Home > Spring Bank > Performance and Condition Ratios
Spring 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 | 5.5478% | 1,101 |
| Cost of funding earning assets | 2.4809% | 379 |
| Net interest margin | 3.0669% | 3,161 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.6610% | 4,182 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.8988% | 2,551 |
| Return on assets (ROA) | 0.8988% | 2,524 |
| Pretax return on assets | 1.3534% | 1,733 |
| Return on Equity (ROE) | 7.7900% | 3,082 |
| Retained earnings to average equity (ytd only) | 3.3931% | 3,165 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.1408% | 3,667 |
| Assets per employee ($millions) | 10.7470% | 571 |
| Cash dividends to net income (ytd only)* | 56.4194% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5423% | 960 |
| Loan loss allowance to noncurrent loans | 241.3509% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 1,132 |
| Noncurrent loans to loans | 0.6390% | 1,232 |
| Net loans and leases to total assets | 76.7800% | 1,005 |
| Net loans and leases to deposits | 103.4844% | 390 |
| Net loans and leases to core deposits | 137.0163% | 299 |
| Total domestic deposits to total assets | 74.2000% | 4,093 |
| Equity capital to assets | 12.1582% | 1,080 |
| Core capital (leverage) ratio | 12.5828% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $373,504,200 | 2,103 |
| Average earning assets | $355,439,600 | 2,065 |
| Average equity | $43,117,400 | 1,784 |
| Average total loans | $291,080,200 | 1,825 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4140% | 1,116 |
| Cost of funding earning assets | 2.3615% | 357 |
| Net interest margin | 3.0525% | 3,228 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.6048% | 4,237 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0346% | 2,265 |
| Return on assets (ROA) | 1.0346% | 2,254 |
| Pretax return on assets | 1.3719% | 1,841 |
| Return on Equity (ROE) | 9.0800% | 2,906 |
| Retained earnings to average equity (ytd only) | 3.1782% | 3,471 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.6561% | 3,705 |
| Assets per employee ($millions) | 11.1303% | 483 |
| Cash dividends to net income (ytd only)* | 64.9966% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 1,057 |
| Loan loss allowance to noncurrent loans | 310.8204% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 1,542 |
| Noncurrent loans to loans | 0.4891% | 1,600 |
| Net loans and leases to total assets | 75.2400% | 1,201 |
| Net loans and leases to deposits | 98.0839% | 612 |
| Net loans and leases to core deposits | 125.1315% | 430 |
| Total domestic deposits to total assets | 76.7100% | 3,956 |
| Equity capital to assets | 11.3606% | 1,223 |
| Core capital (leverage) ratio | 12.5108% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $375,530,500 | 2,105 |
| Average earning assets | $357,335,250 | 2,051 |
| Average equity | $42,790,250 | 1,780 |
| Average total loans | $292,608,750 | 1,819 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2994% | 1,083 |
| Cost of funding earning assets | 2.2384% | 313 |
| Net interest margin | 3.0610% | 3,297 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.6083% | 4,250 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0204% | 2,356 |
| Return on assets (ROA) | 1.0204% | 2,343 |
| Pretax return on assets | 1.3755% | 1,873 |
| Return on Equity (ROE) | 8.9500% | 2,998 |
| Retained earnings to average equity (ytd only) | 0.0796% | 4,058 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.5838% | 3,733 |
| Assets per employee ($millions) | 11.6501% | 415 |
| Cash dividends to net income (ytd only)* | 99.1104% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,200 |
| Loan loss allowance to noncurrent loans | 333.4615% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 1,518 |
| Noncurrent loans to loans | 0.4481% | 1,599 |
| Net loans and leases to total assets | 76.6500% | 981 |
| Net loans and leases to deposits | 99.0327% | 562 |
| Net loans and leases to core deposits | 124.8162% | 415 |
| Total domestic deposits to total assets | 77.4000% | 3,906 |
| Equity capital to assets | 11.3569% | 1,243 |
| Core capital (leverage) ratio | 12.1699% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $374,564,000 | 2,105 |
| Average earning assets | $356,229,000 | 2,062 |
| Average equity | $42,723,000 | 1,794 |
| Average total loans | $293,774,000 | 1,809 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1272% | 1,056 |
| Cost of funding earning assets | 2.0850% | 246 |
| Net interest margin | 3.0423% | 3,487 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.6077% | 4,301 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0324% | 2,425 |
| Return on assets (ROA) | 1.0324% | 2,393 |
| Pretax return on assets | 1.3850% | 1,921 |
| Return on Equity (ROE) | 9.0300% | 3,040 |
| Retained earnings to average equity (ytd only) | 9.0318% | 1,943 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.5967% | 3,730 |
| Assets per employee ($millions) | 11.2948% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 1,473 |
| Loan loss allowance to noncurrent loans | 312.4082% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 1,409 |
| Noncurrent loans to loans | 0.4597% | 1,565 |
| Net loans and leases to total assets | 78.3500% | 731 |
| Net loans and leases to deposits | 98.9667% | 488 |
| Net loans and leases to core deposits | 121.5106% | 400 |
| Total domestic deposits to total assets | 79.1600% | 3,884 |
| Equity capital to assets | 11.7055% | 1,088 |
| Core capital (leverage) ratio | 12.3927% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $375,444,500 | 2,127 |
| Average earning assets | $356,840,500 | 2,087 |
| Average equity | $42,915,000 | 1,799 |
| Average total loans | $295,619,500 | 1,808 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 1,111 |
| Cost of funding earning assets | 0.8469% | 330 |
| Net interest margin | 3.4258% | 2,165 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.5018% | 4,423 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.3621% | 1,237 |
| Return on assets (ROA) | 1.3621% | 1,194 |
| Pretax return on assets | 1.8353% | 670 |
| Return on Equity (ROE) | 12.2900% | 2,038 |
| Retained earnings to average equity (ytd only) | 8.1643% | 1,767 |
| Net charge-offs to loans | 0.1309% | 606 |
| Credit loss provision to net charge-offs | 35.0404% | 1,879 |
| Earnings coverage of net charge-offs (x) | 19.0243% | 1,919 |
| Efficiency ratio | 44.5431% | 4,408 |
| Assets per employee ($millions) | 11.4594% | 455 |
| Cash dividends to net income (ytd only)* | 33.5862% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 1,431 |
| Loan loss allowance to noncurrent loans | 236.2050% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.4696% | 1,079 |
| Noncurrent loans to loans | 0.6021% | 1,242 |
| Net loans and leases to total assets | 76.8900% | 911 |
| Net loans and leases to deposits | 101.3948% | 389 |
| Net loans and leases to core deposits | 113.6135% | 499 |
| Total domestic deposits to total assets | 75.8300% | 4,266 |
| Equity capital to assets | 11.1593% | 1,197 |
| Core capital (leverage) ratio | 12.1792% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $377,492,600 | 2,112 |
| Average earning assets | $359,920,200 | 2,069 |
| Average equity | $41,828,200 | 1,860 |
| Average total loans | $283,360,600 | 1,795 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 1,066 |
| Cost of funding earning assets | 0.6380% | 357 |
| Net interest margin | 3.4634% | 1,768 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.4823% | 4,441 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.4141% | 1,046 |
| Return on assets (ROA) | 1.4141% | 1,020 |
| Pretax return on assets | 1.9085% | 574 |
| Return on Equity (ROE) | 12.7900% | 1,778 |
| Retained earnings to average equity (ytd only) | 7.2679% | 2,277 |
| Net charge-offs to loans | 0.1759% | 380 |
| Credit loss provision to net charge-offs | 10.8108% | 1,657 |
| Earnings coverage of net charge-offs (x) | 14.7054% | 1,858 |
| Efficiency ratio | 43.5347% | 4,475 |
| Assets per employee ($millions) | 11.9196% | 396 |
| Cash dividends to net income (ytd only)* | 43.1534% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 1,402 |
| Loan loss allowance to noncurrent loans | 211.0483% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5266% | 1,029 |
| Noncurrent loans to loans | 0.6945% | 1,176 |
| Net loans and leases to total assets | 74.7200% | 1,037 |
| Net loans and leases to deposits | 90.7628% | 842 |
| Net loans and leases to core deposits | 98.1670% | 894 |
| Total domestic deposits to total assets | 82.3200% | 3,785 |
| Equity capital to assets | 11.1486% | 1,129 |
| Core capital (leverage) ratio | 11.8298% | 1,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $377,326,000 | 2,123 |
| Average earning assets | $360,482,000 | 2,081 |
| Average equity | $41,735,250 | 1,893 |
| Average total loans | $280,459,250 | 1,805 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0091% | 925 |
| Cost of funding earning assets | 0.5792% | 323 |
| Net interest margin | 3.4299% | 1,515 |
| Noninterest income to average assets | 0.0995% | 4,486 |
| Noninterest expense to average assets | 1.4745% | 4,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4092% | 888 |
| Return on assets (ROA) | 1.4092% | 861 |
| Pretax return on assets | 1.8982% | 470 |
| Return on Equity (ROE) | 12.7734% | 1,443 |
| Retained earnings to average equity (ytd only) | 4.5329% | 2,868 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7178% | 4,527 |
| Assets per employee ($millions) | 11.9520% | 386 |
| Cash dividends to net income (ytd only)* | 64.5125% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 1,097 |
| Loan loss allowance to noncurrent loans | 170.9827% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.6785% | 805 |
| Noncurrent loans to loans | 0.9510% | 878 |
| Net loans and leases to total assets | 70.1889% | 1,286 |
| Net loans and leases to deposits | 84.9492% | 1,056 |
| Net loans and leases to core deposits | 91.9188% | 1,022 |
| Total domestic deposits to total assets | 82.6246% | 3,927 |
| Equity capital to assets | 10.7691% | 1,327 |
| Core capital (leverage) ratio | 11.2121% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $379,931,667 | 2,127 |
| Average earning assets | $362,574,000 | 2,092 |
| Average equity | $41,915,333 | 1,932 |
| Average total loans | $280,548,667 | 1,807 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 877 |
| Cost of funding earning assets | 0.5682% | 322 |
| Net interest margin | 3.3636% | 1,395 |
| Noninterest income to average assets | 0.1046% | 4,488 |
| Noninterest expense to average assets | 1.4725% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3595% | 886 |
| Return on assets (ROA) | 1.3595% | 871 |
| Pretax return on assets | 1.8211% | 525 |
| Return on Equity (ROE) | 12.1763% | 1,259 |
| Retained earnings to average equity (ytd only) | 12.1763% | 578 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7081% | 4,538 |
| Assets per employee ($millions) | 12.1412% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 1,335 |
| Loan loss allowance to noncurrent loans | 190.5928% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 989 |
| Noncurrent loans to loans | 0.8263% | 1,138 |
| Net loans and leases to total assets | 71.3739% | 889 |
| Net loans and leases to deposits | 88.3189% | 605 |
| Net loans and leases to core deposits | 95.8829% | 664 |
| Total domestic deposits to total assets | 80.8138% | 4,219 |
| Equity capital to assets | 10.8898% | 1,387 |
| Core capital (leverage) ratio | 11.5490% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,665,000 | 2,138 |
| Average earning assets | $359,019,000 | 2,117 |
| Average equity | $42,279,000 | 1,969 |
| Average total loans | $284,380,500 | 1,771 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 858 |
| Cost of funding earning assets | 0.7135% | 306 |
| Net interest margin | 3.5840% | 1,512 |
| Noninterest income to average assets | 0.0992% | 4,608 |
| Noninterest expense to average assets | 1.5354% | 4,499 |
| Loan and lease loss provision to assets | 0.0205% | 2,659 |
| Net operating income to assets | 1.3763% | 1,353 |
| Return on assets (ROA) | 1.3763% | 1,407 |
| Pretax return on assets | 1.8518% | 808 |
| Return on Equity (ROE) | 12.1829% | 1,747 |
| Retained earnings to average equity (ytd only) | 7.1587% | 1,857 |
| Net charge-offs to loans | 0.0092% | 2,234 |
| Credit loss provision to net charge-offs | 277.7778% | 1,112 |
| Earnings coverage of net charge-offs (x) | 253.6296% | 458 |
| Efficiency ratio | 45.0578% | 4,537 |
| Assets per employee ($millions) | 11.5253% | 447 |
| Cash dividends to net income (ytd only)* | 41.2396% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 1,406 |
| Loan loss allowance to noncurrent loans | 204.0938% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 1,121 |
| Noncurrent loans to loans | 0.7574% | 1,339 |
| Net loans and leases to total assets | 76.6208% | 472 |
| Net loans and leases to deposits | 95.9076% | 319 |
| Net loans and leases to core deposits | 105.5414% | 382 |
| Total domestic deposits to total assets | 79.8902% | 4,231 |
| Equity capital to assets | 11.4555% | 1,532 |
| Core capital (leverage) ratio | 11.3939% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,759,400 | 2,123 |
| Average earning assets | $337,637,400 | 2,146 |
| Average equity | $41,320,200 | 2,037 |
| Average total loans | $294,428,800 | 1,727 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3495% | 885 |
| Cost of funding earning assets | 0.7445% | 315 |
| Net interest margin | 3.6050% | 1,588 |
| Noninterest income to average assets | 0.0968% | 4,681 |
| Noninterest expense to average assets | 1.5298% | 4,561 |
| Loan and lease loss provision to assets | 0.0274% | 2,445 |
| Net operating income to assets | 1.3848% | 1,589 |
| Return on assets (ROA) | 1.3848% | 1,653 |
| Pretax return on assets | 1.8597% | 1,024 |
| Return on Equity (ROE) | 12.3017% | 1,939 |
| Retained earnings to average equity (ytd only) | 5.5652% | 3,015 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7723% | 4,551 |
| Assets per employee ($millions) | 11.6662% | 411 |
| Cash dividends to net income (ytd only)* | 54.7613% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 1,435 |
| Loan loss allowance to noncurrent loans | 193.5820% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.6177% | 1,229 |
| Noncurrent loans to loans | 0.8060% | 1,410 |
| Net loans and leases to total assets | 75.4400% | 586 |
| Net loans and leases to deposits | 94.2212% | 410 |
| Net loans and leases to core deposits | 104.4443% | 444 |
| Total domestic deposits to total assets | 80.0669% | 4,222 |
| Equity capital to assets | 11.0627% | 1,971 |
| Core capital (leverage) ratio | 11.1541% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,996,500 | 2,147 |
| Average earning assets | $336,154,500 | 2,174 |
| Average equity | $41,088,000 | 2,072 |
| Average total loans | $296,280,250 | 1,755 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 1,043 |
| Cost of funding earning assets | 0.7700% | 333 |
| Net interest margin | 3.5066% | 1,841 |
| Noninterest income to average assets | 0.0928% | 4,715 |
| Noninterest expense to average assets | 1.4621% | 4,661 |
| Loan and lease loss provision to assets | 0.0414% | 2,180 |
| Net operating income to assets | 1.3776% | 1,637 |
| Return on assets (ROA) | 1.3776% | 1,706 |
| Pretax return on assets | 1.8431% | 1,136 |
| Return on Equity (ROE) | 12.1655% | 1,991 |
| Retained earnings to average equity (ytd only) | 7.0799% | 2,401 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6892% | 4,631 |
| Assets per employee ($millions) | 11.9554% | 356 |
| Cash dividends to net income (ytd only)* | 41.8036% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,553 |
| Loan loss allowance to noncurrent loans | 262.8975% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 1,815 |
| Noncurrent loans to loans | 0.5745% | 1,963 |
| Net loans and leases to total assets | 78.5391% | 405 |
| Net loans and leases to deposits | 99.6481% | 266 |
| Net loans and leases to core deposits | 111.0878% | 334 |
| Total domestic deposits to total assets | 78.8165% | 4,360 |
| Equity capital to assets | 11.2237% | 1,819 |
| Core capital (leverage) ratio | 11.4152% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,222,333 | 2,147 |
| Average earning assets | $336,110,667 | 2,160 |
| Average equity | $41,017,667 | 2,062 |
| Average total loans | $299,675,000 | 1,748 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2984% | 1,041 |
| Cost of funding earning assets | 0.8106% | 330 |
| Net interest margin | 3.4878% | 1,855 |
| Noninterest income to average assets | 0.0905% | 4,724 |
| Noninterest expense to average assets | 1.4770% | 4,674 |
| Loan and lease loss provision to assets | 0.0838% | 1,556 |
| Net operating income to assets | 1.3485% | 1,688 |
| Return on assets (ROA) | 1.3485% | 1,779 |
| Pretax return on assets | 1.7842% | 1,321 |
| Return on Equity (ROE) | 11.8543% | 2,070 |
| Retained earnings to average equity (ytd only) | 11.8543% | 1,186 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1550% | 4,566 |
| Assets per employee ($millions) | 11.9817% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,642 |
| Loan loss allowance to noncurrent loans | 261.2054% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4754% | 1,963 |
| Noncurrent loans to loans | 0.5706% | 2,146 |
| Net loans and leases to total assets | 82.0804% | 226 |
| Net loans and leases to deposits | 104.4745% | 196 |
| Net loans and leases to core deposits | 117.9812% | 266 |
| Total domestic deposits to total assets | 78.5650% | 4,375 |
| Equity capital to assets | 11.4914% | 1,549 |
| Core capital (leverage) ratio | 11.5918% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,024,500 | 2,146 |
| Average earning assets | $334,074,500 | 2,157 |
| Average equity | $40,728,000 | 2,057 |
| Average total loans | $301,740,500 | 1,737 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 872 |
| Cost of funding earning assets | 1.2263% | 253 |
| Net interest margin | 3.4858% | 2,514 |
| Noninterest income to average assets | 0.0845% | 4,786 |
| Noninterest expense to average assets | 1.4678% | 4,803 |
| Loan and lease loss provision to assets | 0.2871% | 1,321 |
| Net operating income to assets | 1.2472% | 1,391 |
| Return on assets (ROA) | 1.2472% | 1,499 |
| Pretax return on assets | 1.6338% | 995 |
| Return on Equity (ROE) | 10.9956% | 1,625 |
| Retained earnings to average equity (ytd only) | 8.7503% | 836 |
| Net charge-offs to loans | 0.0169% | 2,754 |
| Credit loss provision to net charge-offs | 2,031.2500% | 438 |
| Earnings coverage of net charge-offs (x) | 135.9167% | 625 |
| Efficiency ratio | 43.3139% | 4,807 |
| Assets per employee ($millions) | 11.8866% | 326 |
| Cash dividends to net income (ytd only)* | 20.4202% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 1,799 |
| Loan loss allowance to noncurrent loans | 351.1200% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 2,584 |
| Noncurrent loans to loans | 0.4112% | 2,746 |
| Net loans and leases to total assets | 84.0131% | 173 |
| Net loans and leases to deposits | 107.9335% | 197 |
| Net loans and leases to core deposits | 124.2602% | 265 |
| Total domestic deposits to total assets | 77.8379% | 4,335 |
| Equity capital to assets | 11.2591% | 2,050 |
| Core capital (leverage) ratio | 11.1068% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,630,800 | 2,095 |
| Average earning assets | $321,935,600 | 2,073 |
| Average equity | $38,524,400 | 2,077 |
| Average total loans | $284,542,800 | 1,746 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7737% | 922 |
| Cost of funding earning assets | 1.3126% | 236 |
| Net interest margin | 3.4611% | 2,715 |
| Noninterest income to average assets | 0.0827% | 4,814 |
| Noninterest expense to average assets | 1.4681% | 4,830 |
| Loan and lease loss provision to assets | 0.3399% | 1,134 |
| Net operating income to assets | 1.1962% | 1,646 |
| Return on assets (ROA) | 1.1962% | 1,773 |
| Pretax return on assets | 1.5599% | 1,302 |
| Return on Equity (ROE) | 10.5249% | 1,838 |
| Retained earnings to average equity (ytd only) | 10.5249% | 672 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5907% | 4,808 |
| Assets per employee ($millions) | 12.7118% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,576 |
| Loan loss allowance to noncurrent loans | 263.9755% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 2,345 |
| Noncurrent loans to loans | 0.5453% | 2,435 |
| Net loans and leases to total assets | 83.0315% | 363 |
| Net loans and leases to deposits | 106.8746% | 302 |
| Net loans and leases to core deposits | 124.7074% | 328 |
| Total domestic deposits to total assets | 77.6906% | 4,242 |
| Equity capital to assets | 11.1764% | 2,259 |
| Core capital (leverage) ratio | 11.3636% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $335,388,750 | 2,095 |
| Average earning assets | $318,347,250 | 2,061 |
| Average equity | $38,118,000 | 2,086 |
| Average total loans | $279,683,750 | 1,766 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 951 |
| Cost of funding earning assets | 1.4153% | 218 |
| Net interest margin | 3.4978% | 2,792 |
| Noninterest income to average assets | 0.0828% | 4,831 |
| Noninterest expense to average assets | 1.4981% | 4,849 |
| Loan and lease loss provision to assets | 0.3744% | 1,117 |
| Net operating income to assets | 1.1932% | 1,659 |
| Return on assets (ROA) | 1.1932% | 1,788 |
| Pretax return on assets | 1.5517% | 1,342 |
| Return on Equity (ROE) | 10.4355% | 1,832 |
| Retained earnings to average equity (ytd only) | 10.4355% | 704 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7511% | 4,820 |
| Assets per employee ($millions) | 12.0772% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 1,557 |
| Loan loss allowance to noncurrent loans | 246.2840% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 2,429 |
| Noncurrent loans to loans | 0.5711% | 2,445 |
| Net loans and leases to total assets | 81.5721% | 448 |
| Net loans and leases to deposits | 105.6486% | 323 |
| Net loans and leases to core deposits | 124.8249% | 333 |
| Total domestic deposits to total assets | 77.2108% | 4,297 |
| Equity capital to assets | 11.0516% | 2,298 |
| Core capital (leverage) ratio | 11.1756% | 1,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,541,667 | 2,097 |
| Average earning assets | $313,851,667 | 2,054 |
| Average equity | $37,564,000 | 2,099 |
| Average total loans | $272,961,667 | 1,774 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9633% | 1,038 |
| Cost of funding earning assets | 1.5766% | 206 |
| Net interest margin | 3.3867% | 3,334 |
| Noninterest income to average assets | 0.0919% | 4,857 |
| Noninterest expense to average assets | 1.5638% | 4,879 |
| Loan and lease loss provision to assets | 0.3022% | 1,025 |
| Net operating income to assets | 1.1546% | 1,679 |
| Return on assets (ROA) | 1.1546% | 1,784 |
| Pretax return on assets | 1.4958% | 1,318 |
| Return on Equity (ROE) | 9.9155% | 1,772 |
| Retained earnings to average equity (ytd only) | 9.9155% | 758 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5169% | 4,814 |
| Assets per employee ($millions) | 10.6095% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,642 |
| Loan loss allowance to noncurrent loans | 159.3198% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 1,844 |
| Noncurrent loans to loans | 0.8889% | 1,838 |
| Net loans and leases to total assets | 80.9409% | 571 |
| Net loans and leases to deposits | 105.3789% | 313 |
| Net loans and leases to core deposits | 127.2742% | 313 |
| Total domestic deposits to total assets | 76.8094% | 4,377 |
| Equity capital to assets | 11.7907% | 2,220 |
| Core capital (leverage) ratio | 11.8781% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,692,500 | 2,107 |
| Average earning assets | $306,728,500 | 2,043 |
| Average equity | $36,992,500 | 2,111 |
| Average total loans | $264,555,500 | 1,784 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1323% | 1,144 |
| Cost of funding earning assets | 1.7154% | 187 |
| Net interest margin | 3.4169% | 3,695 |
| Noninterest income to average assets | 0.1068% | 4,910 |
| Noninterest expense to average assets | 1.5625% | 4,970 |
| Loan and lease loss provision to assets | 0.0544% | 2,943 |
| Net operating income to assets | 1.3498% | 1,504 |
| Return on assets (ROA) | 1.3498% | 1,584 |
| Pretax return on assets | 1.7946% | 951 |
| Return on Equity (ROE) | 11.7784% | 1,591 |
| Retained earnings to average equity (ytd only) | 9.3848% | 620 |
| Net charge-offs to loans | 0.0772% | 1,998 |
| Credit loss provision to net charge-offs | 82.9146% | 2,755 |
| Earnings coverage of net charge-offs (x) | 28.1809% | 1,637 |
| Efficiency ratio | 45.8007% | 4,917 |
| Assets per employee ($millions) | 11.3250% | 270 |
| Cash dividends to net income (ytd only)* | 20.3224% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 1,961 |
| Loan loss allowance to noncurrent loans | 145.4202% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 1,724 |
| Noncurrent loans to loans | 0.8888% | 1,730 |
| Net loans and leases to total assets | 83.3574% | 386 |
| Net loans and leases to deposits | 106.4963% | 281 |
| Net loans and leases to core deposits | 127.9929% | 304 |
| Total domestic deposits to total assets | 78.2725% | 4,316 |
| Equity capital to assets | 11.4970% | 2,529 |
| Core capital (leverage) ratio | 11.5197% | 2,096 |
| Tier 1 risk-based capital ratio | 13.3635% | 3,598 |
| Total risk-based capital ratio | 14.6138% | 3,486 |
| Memoranda: | ||
| Average total assets | $303,295,200 | 2,149 |
| Average earning assets | $293,337,800 | 2,068 |
| Average equity | $34,758,400 | 2,156 |
| Average total loans | $257,725,000 | 1,790 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1586% | 1,131 |
| Cost of funding earning assets | 1.7207% | 184 |
| Net interest margin | 3.4378% | 3,765 |
| Noninterest income to average assets | 0.1134% | 4,943 |
| Noninterest expense to average assets | 1.5781% | 5,020 |
| Loan and lease loss provision to assets | 0.0467% | 2,964 |
| Net operating income to assets | 1.3607% | 1,611 |
| Return on assets (ROA) | 1.3607% | 1,676 |
| Pretax return on assets | 1.8111% | 1,065 |
| Return on Equity (ROE) | 11.8831% | 1,662 |
| Retained earnings to average equity (ytd only) | 8.6521% | 1,150 |
| Net charge-offs to loans | 0.0705% | 1,819 |
| Credit loss provision to net charge-offs | 77.7778% | 2,532 |
| Earnings coverage of net charge-offs (x) | 30.9474% | 1,594 |
| Efficiency ratio | 45.9299% | 4,939 |
| Assets per employee ($millions) | 10.5261% | 303 |
| Cash dividends to net income (ytd only)* | 27.1896% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 1,833 |
| Loan loss allowance to noncurrent loans | 142.7100% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.7689% | 1,786 |
| Noncurrent loans to loans | 0.9334% | 1,723 |
| Net loans and leases to total assets | 81.2812% | 665 |
| Net loans and leases to deposits | 103.4692% | 433 |
| Net loans and leases to core deposits | 123.6091% | 418 |
| Total domestic deposits to total assets | 78.5559% | 4,255 |
| Equity capital to assets | 11.2130% | 2,913 |
| Core capital (leverage) ratio | 11.6232% | 2,128 |
| Tier 1 risk-based capital ratio | 13.1771% | 3,748 |
| Total risk-based capital ratio | 14.4278% | 3,657 |
| Memoranda: | ||
| Average total assets | $299,843,750 | 2,184 |
| Average earning assets | $289,789,500 | 2,102 |
| Average equity | $34,333,750 | 2,187 |
| Average total loans | $255,209,250 | 1,812 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1628% | 1,066 |
| Cost of funding earning assets | 1.7074% | 176 |
| Net interest margin | 3.4554% | 3,726 |
| Noninterest income to average assets | 0.1195% | 4,968 |
| Noninterest expense to average assets | 1.6005% | 5,056 |
| Loan and lease loss provision to assets | 0.0407% | 2,997 |
| Net operating income to assets | 1.3744% | 1,501 |
| Return on assets (ROA) | 1.3744% | 1,562 |
| Pretax return on assets | 1.8260% | 977 |
| Return on Equity (ROE) | 11.9145% | 1,609 |
| Retained earnings to average equity (ytd only) | 7.0169% | 1,799 |
| Net charge-offs to loans | 0.1065% | 1,334 |
| Credit loss provision to net charge-offs | 44.4444% | 2,513 |
| Earnings coverage of net charge-offs (x) | 20.3630% | 1,782 |
| Efficiency ratio | 46.1614% | 4,984 |
| Assets per employee ($millions) | 10.7429% | 279 |
| Cash dividends to net income (ytd only)* | 41.1067% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 1,925 |
| Loan loss allowance to noncurrent loans | 152.2707% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.7467% | 1,868 |
| Noncurrent loans to loans | 0.8672% | 1,871 |
| Net loans and leases to total assets | 84.9661% | 286 |
| Net loans and leases to deposits | 107.7852% | 279 |
| Net loans and leases to core deposits | 130.7124% | 312 |
| Total domestic deposits to total assets | 78.8291% | 4,252 |
| Equity capital to assets | 11.4691% | 2,624 |
| Core capital (leverage) ratio | 11.6493% | 2,062 |
| Tier 1 risk-based capital ratio | 13.0271% | 3,826 |
| Total risk-based capital ratio | 14.2778% | 3,727 |
| Memoranda: | ||
| Average total assets | $294,530,330 | 2,211 |
| Average earning assets | $285,349,000 | 2,133 |
| Average equity | $33,975,330 | 2,197 |
| Average total loans | $253,566,330 | 1,827 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0902% | 1,114 |
| Cost of funding earning assets | 1.6595% | 187 |
| Net interest margin | 3.4308% | 3,808 |
| Noninterest income to average assets | 0.1194% | 5,017 |
| Noninterest expense to average assets | 1.6253% | 5,079 |
| Loan and lease loss provision to assets | 0.0220% | 3,156 |
| Net operating income to assets | 1.3494% | 1,531 |
| Return on assets (ROA) | 1.3494% | 1,567 |
| Pretax return on assets | 1.7982% | 979 |
| Return on Equity (ROE) | 11.6630% | 1,669 |
| Retained earnings to average equity (ytd only) | 11.6630% | 679 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1713% | 4,975 |
| Assets per employee ($millions) | 10.4404% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 1,731 |
| Loan loss allowance to noncurrent loans | 133.5489% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.8993% | 1,564 |
| Noncurrent loans to loans | 1.0376% | 1,613 |
| Net loans and leases to total assets | 85.4716% | 237 |
| Net loans and leases to deposits | 108.8630% | 251 |
| Net loans and leases to core deposits | 132.0608% | 282 |
| Total domestic deposits to total assets | 78.5130% | 4,431 |
| Equity capital to assets | 11.7248% | 2,210 |
| Core capital (leverage) ratio | 11.8746% | 1,852 |
| Tier 1 risk-based capital ratio | 13.2892% | 3,724 |
| Total risk-based capital ratio | 14.5403% | 3,631 |
| Memoranda: | ||
| Average total assets | $291,395,500 | 2,239 |
| Average earning assets | $282,502,000 | 2,161 |
| Average equity | $33,713,500 | 2,202 |
| Average total loans | $250,850,500 | 1,855 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9603% | 1,128 |
| Cost of funding earning assets | 1.3688% | 160 |
| Net interest margin | 3.5915% | 3,412 |
| Noninterest income to average assets | 0.1339% | 5,032 |
| Noninterest expense to average assets | 1.6206% | 5,158 |
| Loan and lease loss provision to assets | 0.0433% | 3,317 |
| Net operating income to assets | 1.4231% | 1,350 |
| Return on assets (ROA) | 1.4231% | 1,353 |
| Pretax return on assets | 1.9415% | 646 |
| Return on Equity (ROE) | 12.6134% | 1,503 |
| Retained earnings to average equity (ytd only) | 10.3127% | 564 |
| Net charge-offs to loans | 0.0034% | 3,615 |
| Credit loss provision to net charge-offs | 1,500.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 687.2500% | 160 |
| Efficiency ratio | 44.9484% | 5,154 |
| Assets per employee ($millions) | 10.3736% | 308 |
| Cash dividends to net income (ytd only)* | 18.2395% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 1,607 |
| Loan loss allowance to noncurrent loans | 175.7164% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 2,016 |
| Noncurrent loans to loans | 0.8009% | 2,003 |
| Net loans and leases to total assets | 84.2922% | 392 |
| Net loans and leases to deposits | 105.0014% | 421 |
| Net loans and leases to core deposits | 125.5473% | 405 |
| Total domestic deposits to total assets | 80.2772% | 4,045 |
| Equity capital to assets | 11.4136% | 2,317 |
| Core capital (leverage) ratio | 11.5529% | 2,059 |
| Tier 1 risk-based capital ratio | 13.2572% | 3,690 |
| Total risk-based capital ratio | 14.5089% | 3,572 |
| Memoranda: | ||
| Average total assets | $277,002,400 | 2,285 |
| Average earning assets | $267,746,000 | 2,211 |
| Average equity | $31,252,600 | 2,268 |
| Average total loans | $237,138,800 | 1,900 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8643% | 1,263 |
| Cost of funding earning assets | 1.3020% | 159 |
| Net interest margin | 3.5623% | 3,486 |
| Noninterest income to average assets | 0.1281% | 5,110 |
| Noninterest expense to average assets | 1.6108% | 5,197 |
| Loan and lease loss provision to assets | 0.0439% | 3,114 |
| Net operating income to assets | 1.4023% | 1,482 |
| Return on assets (ROA) | 1.4023% | 1,482 |
| Pretax return on assets | 1.9129% | 801 |
| Return on Equity (ROE) | 12.4676% | 1,615 |
| Retained earnings to average equity (ytd only) | 9.3528% | 1,094 |
| Net charge-offs to loans | 0.0046% | 3,281 |
| Credit loss provision to net charge-offs | 1,125.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 501.8304% | 187 |
| Efficiency ratio | 45.1516% | 5,182 |
| Assets per employee ($millions) | 10.1381% | 312 |
| Cash dividends to net income (ytd only)* | 24.9825% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4141% | 1,645 |
| Loan loss allowance to noncurrent loans | 168.4492% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 2,047 |
| Noncurrent loans to loans | 0.8395% | 2,024 |
| Net loans and leases to total assets | 85.0976% | 352 |
| Net loans and leases to deposits | 107.1114% | 392 |
| Net loans and leases to core deposits | 125.1822% | 435 |
| Total domestic deposits to total assets | 79.4478% | 4,225 |
| Equity capital to assets | 11.2567% | 2,424 |
| Core capital (leverage) ratio | 11.6742% | 2,021 |
| Tier 1 risk-based capital ratio | 13.0879% | 3,855 |
| Total risk-based capital ratio | 14.3399% | 3,768 |
| Memoranda: | ||
| Average total assets | $273,637,750 | 2,315 |
| Average earning assets | $264,206,500 | 2,242 |
| Average equity | $30,777,750 | 2,300 |
| Average total loans | $234,340,750 | 1,923 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 1,251 |
| Cost of funding earning assets | 1.2415% | 153 |
| Net interest margin | 3.5581% | 3,441 |
| Noninterest income to average assets | 0.1251% | 5,178 |
| Noninterest expense to average assets | 1.6098% | 5,258 |
| Loan and lease loss provision to assets | 0.0444% | 3,011 |
| Net operating income to assets | 1.3988% | 1,447 |
| Return on assets (ROA) | 1.3988% | 1,448 |
| Pretax return on assets | 1.9073% | 756 |
| Return on Equity (ROE) | 12.4401% | 1,565 |
| Retained earnings to average equity (ytd only) | 8.6291% | 1,343 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1995% | 5,243 |
| Assets per employee ($millions) | 10.1479% | 303 |
| Cash dividends to net income (ytd only)* | 30.6349% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,442 |
| Loan loss allowance to noncurrent loans | 163.0981% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 1,937 |
| Noncurrent loans to loans | 0.9109% | 1,896 |
| Net loans and leases to total assets | 83.3226% | 541 |
| Net loans and leases to deposits | 103.3462% | 564 |
| Net loans and leases to core deposits | 120.2993% | 555 |
| Total domestic deposits to total assets | 80.6247% | 4,094 |
| Equity capital to assets | 11.3605% | 2,300 |
| Core capital (leverage) ratio | 11.4985% | 2,079 |
| Tier 1 risk-based capital ratio | 13.4315% | 3,657 |
| Total risk-based capital ratio | 14.6840% | 3,574 |
| Memoranda: | ||
| Average total assets | $270,228,000 | 2,351 |
| Average earning assets | $260,981,670 | 2,270 |
| Average equity | $30,385,670 | 2,328 |
| Average total loans | $230,778,000 | 1,950 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 1,230 |
| Cost of funding earning assets | 1.1832% | 152 |
| Net interest margin | 3.5495% | 3,347 |
| Noninterest income to average assets | 0.1237% | 5,239 |
| Noninterest expense to average assets | 1.6084% | 5,321 |
| Loan and lease loss provision to assets | 0.0671% | 2,428 |
| Net operating income to assets | 1.3788% | 1,397 |
| Return on assets (ROA) | 1.3788% | 1,414 |
| Pretax return on assets | 1.8782% | 765 |
| Return on Equity (ROE) | 12.3272% | 1,460 |
| Retained earnings to average equity (ytd only) | 12.3272% | 620 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2601% | 5,306 |
| Assets per employee ($millions) | 10.3384% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 1,543 |
| Loan loss allowance to noncurrent loans | 172.9566% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 2,100 |
| Noncurrent loans to loans | 0.8545% | 2,113 |
| Net loans and leases to total assets | 85.0125% | 339 |
| Net loans and leases to deposits | 105.2304% | 418 |
| Net loans and leases to core deposits | 122.6469% | 511 |
| Total domestic deposits to total assets | 80.7871% | 4,249 |
| Equity capital to assets | 11.3822% | 2,231 |
| Core capital (leverage) ratio | 11.5046% | 2,008 |
| Tier 1 risk-based capital ratio | 13.0695% | 3,913 |
| Total risk-based capital ratio | 14.3222% | 3,822 |
| Memoranda: | ||
| Average total assets | $268,345,500 | 2,381 |
| Average earning assets | $259,307,500 | 2,298 |
| Average equity | $30,015,000 | 2,366 |
| Average total loans | $230,296,500 | 1,964 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6345% | 1,348 |
| Cost of funding earning assets | 1.0507% | 164 |
| Net interest margin | 3.5838% | 3,227 |
| Noninterest income to average assets | 0.1279% | 5,305 |
| Noninterest expense to average assets | 1.6177% | 5,399 |
| Loan and lease loss provision to assets | 0.0078% | 4,110 |
| Net operating income to assets | 1.0471% | 2,064 |
| Return on assets (ROA) | 1.0471% | 2,094 |
| Pretax return on assets | 1.9549% | 542 |
| Return on Equity (ROE) | 9.4388% | 2,120 |
| Retained earnings to average equity (ytd only) | 7.7938% | 829 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1825% | 5,419 |
| Assets per employee ($millions) | 10.3036% | 287 |
| Cash dividends to net income (ytd only)* | 17.4288% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 1,481 |
| Loan loss allowance to noncurrent loans | 167.1443% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 2,068 |
| Noncurrent loans to loans | 0.8852% | 2,009 |
| Net loans and leases to total assets | 84.0895% | 436 |
| Net loans and leases to deposits | 102.9058% | 553 |
| Net loans and leases to core deposits | 118.8258% | 621 |
| Total domestic deposits to total assets | 81.7151% | 3,939 |
| Equity capital to assets | 10.9876% | 2,639 |
| Core capital (leverage) ratio | 11.0470% | 2,293 |
| Tier 1 risk-based capital ratio | 12.7027% | 4,087 |
| Total risk-based capital ratio | 13.9551% | 3,986 |
| Memoranda: | ||
| Average total assets | $254,798,600 | 2,456 |
| Average earning assets | $245,465,000 | 2,378 |
| Average equity | $28,266,200 | 2,474 |
| Average total loans | $214,864,400 | 2,041 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6024% | 1,362 |
| Cost of funding earning assets | 1.0260% | 173 |
| Net interest margin | 3.5764% | 3,237 |
| Noninterest income to average assets | 0.1278% | 5,363 |
| Noninterest expense to average assets | 1.6115% | 5,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2155% | 1,626 |
| Return on assets (ROA) | 1.2155% | 1,657 |
| Pretax return on assets | 1.9587% | 598 |
| Return on Equity (ROE) | 10.9289% | 1,730 |
| Retained earnings to average equity (ytd only) | 8.7126% | 942 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1373% | 5,443 |
| Assets per employee ($millions) | 10.1922% | 296 |
| Cash dividends to net income (ytd only)* | 20.2789% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 1,475 |
| Loan loss allowance to noncurrent loans | 145.1446% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.8743% | 1,965 |
| Noncurrent loans to loans | 1.0451% | 1,855 |
| Net loans and leases to total assets | 82.3901% | 618 |
| Net loans and leases to deposits | 101.0202% | 676 |
| Net loans and leases to core deposits | 116.7688% | 718 |
| Total domestic deposits to total assets | 81.5580% | 3,904 |
| Equity capital to assets | 10.9808% | 2,881 |
| Core capital (leverage) ratio | 11.1643% | 2,310 |
| Tier 1 risk-based capital ratio | 12.9081% | 4,074 |
| Total risk-based capital ratio | 14.1609% | 3,976 |
| Memoranda: | ||
| Average total assets | $251,525,000 | 2,497 |
| Average earning assets | $242,101,750 | 2,425 |
| Average equity | $27,974,000 | 2,506 |
| Average total loans | $211,417,250 | 2,077 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 1,397 |
| Cost of funding earning assets | 0.9973% | 179 |
| Net interest margin | 3.5504% | 3,209 |
| Noninterest income to average assets | 0.1279% | 5,411 |
| Noninterest expense to average assets | 1.6184% | 5,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1950% | 1,613 |
| Return on assets (ROA) | 1.1950% | 1,646 |
| Pretax return on assets | 1.9220% | 623 |
| Return on Equity (ROE) | 10.6960% | 1,758 |
| Retained earnings to average equity (ytd only) | 7.3264% | 1,440 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7123% | 5,472 |
| Assets per employee ($millions) | 9.8563% | 314 |
| Cash dividends to net income (ytd only)* | 31.5041% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,502 |
| Loan loss allowance to noncurrent loans | 167.3134% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 2,248 |
| Noncurrent loans to loans | 0.9115% | 2,149 |
| Net loans and leases to total assets | 84.7400% | 370 |
| Net loans and leases to deposits | 104.1395% | 489 |
| Net loans and leases to core deposits | 120.9908% | 519 |
| Total domestic deposits to total assets | 81.3716% | 4,083 |
| Equity capital to assets | 11.0101% | 2,795 |
| Core capital (leverage) ratio | 11.2286% | 2,200 |
| Tier 1 risk-based capital ratio | 12.6968% | 4,182 |
| Total risk-based capital ratio | 13.9501% | 4,092 |
| Memoranda: | ||
| Average total assets | $247,034,000 | 2,540 |
| Average earning assets | $237,439,330 | 2,472 |
| Average equity | $27,599,000 | 2,528 |
| Average total loans | $207,991,330 | 2,103 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 1,420 |
| Cost of funding earning assets | 0.9800% | 180 |
| Net interest margin | 3.5016% | 3,270 |
| Noninterest income to average assets | 0.1353% | 5,437 |
| Noninterest expense to average assets | 1.6187% | 5,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1600% | 1,627 |
| Return on assets (ROA) | 1.1600% | 1,666 |
| Pretax return on assets | 1.8711% | 689 |
| Return on Equity (ROE) | 10.3038% | 1,826 |
| Retained earnings to average equity (ytd only) | 10.3038% | 747 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3830% | 5,517 |
| Assets per employee ($millions) | 9.4942% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 1,298 |
| Loan loss allowance to noncurrent loans | 169.3353% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8045% | 2,292 |
| Noncurrent loans to loans | 0.9656% | 2,112 |
| Net loans and leases to total assets | 81.9594% | 570 |
| Net loans and leases to deposits | 100.0391% | 611 |
| Net loans and leases to core deposits | 116.3846% | 580 |
| Total domestic deposits to total assets | 81.9274% | 4,184 |
| Equity capital to assets | 11.2340% | 2,404 |
| Core capital (leverage) ratio | 11.4890% | 1,956 |
| Tier 1 risk-based capital ratio | 13.2974% | 3,890 |
| Total risk-based capital ratio | 14.5518% | 3,808 |
| Memoranda: | ||
| Average total assets | $242,419,000 | 2,594 |
| Average earning assets | $232,237,000 | 2,532 |
| Average equity | $27,291,000 | 2,562 |
| Average total loans | $201,726,500 | 2,163 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5315% | 1,447 |
| Cost of funding earning assets | 0.9788% | 195 |
| Net interest margin | 3.5527% | 3,242 |
| Noninterest income to average assets | 0.1186% | 5,588 |
| Noninterest expense to average assets | 1.6761% | 5,582 |
| Loan and lease loss provision to assets | 0.0129% | 4,120 |
| Net operating income to assets | 1.1473% | 1,711 |
| Return on assets (ROA) | 1.1462% | 1,805 |
| Pretax return on assets | 1.8424% | 705 |
| Return on Equity (ROE) | 10.4048% | 1,802 |
| Retained earnings to average equity (ytd only) | 9.0159% | 586 |
| Net charge-offs to loans | 0.0245% | 3,557 |
| Credit loss provision to net charge-offs | 62.5000% | 3,211 |
| Earnings coverage of net charge-offs (x) | 90.0208% | 655 |
| Efficiency ratio | 47.4395% | 5,597 |
| Assets per employee ($millions) | 9.9162% | 310 |
| Cash dividends to net income (ytd only)* | 13.3483% | 3,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7004% | 1,136 |
| Loan loss allowance to noncurrent loans | 166.8983% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 2,229 |
| Noncurrent loans to loans | 1.0188% | 2,052 |
| Net loans and leases to total assets | 81.6891% | 644 |
| Net loans and leases to deposits | 99.2653% | 719 |
| Net loans and leases to core deposits | 114.8058% | 664 |
| Total domestic deposits to total assets | 82.2937% | 3,995 |
| Equity capital to assets | 11.2825% | 2,342 |
| Core capital (leverage) ratio | 11.2105% | 2,163 |
| Tier 1 risk-based capital ratio | 13.3478% | 3,861 |
| Total risk-based capital ratio | 14.6028% | 3,767 |
| Memoranda: | ||
| Average total assets | $232,686,600 | 2,634 |
| Average earning assets | $223,633,600 | 2,562 |
| Average equity | $25,632,400 | 2,666 |
| Average total loans | $195,934,200 | 2,147 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 1,512 |
| Cost of funding earning assets | 0.9750% | 193 |
| Net interest margin | 3.5318% | 3,354 |
| Noninterest income to average assets | 0.1158% | 5,656 |
| Noninterest expense to average assets | 1.6499% | 5,647 |
| Loan and lease loss provision to assets | 0.0173% | 3,898 |
| Net operating income to assets | 1.1529% | 1,798 |
| Return on assets (ROA) | 1.1514% | 1,900 |
| Pretax return on assets | 1.8510% | 801 |
| Return on Equity (ROE) | 10.5178% | 1,860 |
| Retained earnings to average equity (ytd only) | 8.6438% | 926 |
| Net charge-offs to loans | 0.0109% | 3,549 |
| Credit loss provision to net charge-offs | 187.5000% | 1,500 |
| Earnings coverage of net charge-offs (x) | 202.9015% | 368 |
| Efficiency ratio | 46.8653% | 5,634 |
| Assets per employee ($millions) | 10.0301% | 297 |
| Cash dividends to net income (ytd only)* | 17.8177% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6945% | 1,235 |
| Loan loss allowance to noncurrent loans | 163.2212% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.8641% | 2,393 |
| Noncurrent loans to loans | 1.0382% | 2,166 |
| Net loans and leases to total assets | 81.8184% | 646 |
| Net loans and leases to deposits | 100.2372% | 693 |
| Net loans and leases to core deposits | 114.9579% | 691 |
| Total domestic deposits to total assets | 81.6249% | 4,069 |
| Equity capital to assets | 10.9329% | 3,084 |
| Core capital (leverage) ratio | 10.9708% | 2,477 |
| Tier 1 risk-based capital ratio | 12.6312% | 4,383 |
| Total risk-based capital ratio | 13.8859% | 4,296 |
| Memoranda: | ||
| Average total assets | $231,361,000 | 2,658 |
| Average earning assets | $223,033,250 | 2,573 |
| Average equity | $25,327,750 | 2,703 |
| Average total loans | $195,474,250 | 2,159 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4968% | 1,524 |
| Cost of funding earning assets | 0.9694% | 197 |
| Net interest margin | 3.5274% | 3,380 |
| Noninterest income to average assets | 0.1165% | 5,716 |
| Noninterest expense to average assets | 1.6474% | 5,726 |
| Loan and lease loss provision to assets | 0.0263% | 3,607 |
| Net operating income to assets | 1.1528% | 1,767 |
| Return on assets (ROA) | 1.1505% | 1,890 |
| Pretax return on assets | 1.8445% | 797 |
| Return on Equity (ROE) | 10.5050% | 1,846 |
| Retained earnings to average equity (ytd only) | 7.6567% | 1,311 |
| Net charge-offs to loans | 0.0165% | 3,185 |
| Credit loss provision to net charge-offs | 187.5000% | 1,361 |
| Earnings coverage of net charge-offs (x) | 133.6875% | 445 |
| Efficiency ratio | 46.7778% | 5,723 |
| Assets per employee ($millions) | 10.2550% | 259 |
| Cash dividends to net income (ytd only)* | 27.1135% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 1,255 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.2338% | 1,662 |
| Noncurrent loans to loans | 1.4658% | 1,500 |
| Net loans and leases to total assets | 82.7291% | 543 |
| Net loans and leases to deposits | 101.9286% | 566 |
| Net loans and leases to core deposits | 117.8436% | 578 |
| Total domestic deposits to total assets | 81.1638% | 4,226 |
| Equity capital to assets | 10.8405% | 3,245 |
| Core capital (leverage) ratio | 10.9798% | 2,450 |
| Tier 1 risk-based capital ratio | 12.3070% | 4,643 |
| Total risk-based capital ratio | 13.5619% | 4,561 |
| Memoranda: | ||
| Average total assets | $228,240,670 | 2,695 |
| Average earning assets | $220,333,330 | 2,610 |
| Average equity | $24,997,670 | 2,741 |
| Average total loans | $193,849,000 | 2,176 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5523% | 1,370 |
| Cost of funding earning assets | 0.9615% | 211 |
| Net interest margin | 3.5908% | 3,119 |
| Noninterest income to average assets | 0.1158% | 5,765 |
| Noninterest expense to average assets | 1.7039% | 5,749 |
| Loan and lease loss provision to assets | 0.0535% | 2,870 |
| Net operating income to assets | 1.1363% | 1,763 |
| Return on assets (ROA) | 1.1318% | 1,891 |
| Pretax return on assets | 1.8126% | 832 |
| Return on Equity (ROE) | 10.2784% | 1,860 |
| Retained earnings to average equity (ytd only) | 10.2784% | 790 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6333% | 5,739 |
| Assets per employee ($millions) | 9.8724% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 1,233 |
| Loan loss allowance to noncurrent loans | 101.6692% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.4775% | 1,392 |
| Noncurrent loans to loans | 1.7265% | 1,299 |
| Net loans and leases to total assets | 84.0769% | 364 |
| Net loans and leases to deposits | 103.6366% | 430 |
| Net loans and leases to core deposits | 118.0643% | 525 |
| Total domestic deposits to total assets | 81.1266% | 4,461 |
| Equity capital to assets | 11.0677% | 2,867 |
| Core capital (leverage) ratio | 11.2586% | 2,180 |
| Tier 1 risk-based capital ratio | 12.4325% | 4,629 |
| Total risk-based capital ratio | 13.6877% | 4,528 |
| Memoranda: | ||
| Average total assets | $224,428,500 | 2,743 |
| Average earning assets | $216,328,000 | 2,662 |
| Average equity | $24,712,000 | 2,770 |
| Average total loans | $191,511,500 | 2,194 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5411% | 1,481 |
| Cost of funding earning assets | 0.8928% | 297 |
| Net interest margin | 3.6484% | 2,946 |
| Noninterest income to average assets | 0.1364% | 5,733 |
| Noninterest expense to average assets | 1.7279% | 5,816 |
| Loan and lease loss provision to assets | 0.0766% | 2,744 |
| Net operating income to assets | 1.1322% | 1,801 |
| Return on assets (ROA) | 1.1368% | 1,849 |
| Pretax return on assets | 1.8188% | 775 |
| Return on Equity (ROE) | 10.2271% | 1,914 |
| Retained earnings to average equity (ytd only) | 8.9826% | 654 |
| Net charge-offs to loans | -0.0737% | 5,690 |
| Credit loss provision to net charge-offs | -126.9841% | 5,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7829% | 5,852 |
| Assets per employee ($millions) | 10.0814% | 268 |
| Cash dividends to net income (ytd only)* | 12.1684% | 4,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7917% | 1,146 |
| Loan loss allowance to noncurrent loans | 102.9851% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.4802% | 1,375 |
| Noncurrent loans to loans | 1.7398% | 1,296 |
| Net loans and leases to total assets | 83.5566% | 429 |
| Net loans and leases to deposits | 104.2605% | 426 |
| Net loans and leases to core deposits | 118.8222% | 512 |
| Total domestic deposits to total assets | 80.1421% | 4,709 |
| Equity capital to assets | 10.9531% | 2,869 |
| Core capital (leverage) ratio | 11.1885% | 2,226 |
| Tier 1 risk-based capital ratio | 12.3256% | 4,747 |
| Total risk-based capital ratio | 13.5815% | 4,635 |
| Memoranda: | ||
| Average total assets | $208,927,400 | 2,861 |
| Average earning assets | $199,268,000 | 2,788 |
| Average equity | $23,222,600 | 2,858 |
| Average total loans | $171,024,200 | 2,345 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5567% | 1,437 |
| Cost of funding earning assets | 0.8760% | 328 |
| Net interest margin | 3.6807% | 2,845 |
| Noninterest income to average assets | 0.1400% | 5,785 |
| Noninterest expense to average assets | 1.7059% | 5,892 |
| Loan and lease loss provision to assets | 0.0454% | 3,298 |
| Net operating income to assets | 1.1773% | 1,725 |
| Return on assets (ROA) | 1.1835% | 1,775 |
| Pretax return on assets | 1.8952% | 734 |
| Return on Equity (ROE) | 10.6060% | 1,859 |
| Retained earnings to average equity (ytd only) | 8.9274% | 929 |
| Net charge-offs to loans | -0.1008% | 5,791 |
| Credit loss provision to net charge-offs | -55.5556% | 4,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9079% | 5,926 |
| Assets per employee ($millions) | 9.2982% | 339 |
| Cash dividends to net income (ytd only)* | 15.8268% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 1,052 |
| Loan loss allowance to noncurrent loans | 89.8444% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.7128% | 1,262 |
| Noncurrent loans to loans | 2.1253% | 1,056 |
| Net loans and leases to total assets | 79.0525% | 949 |
| Net loans and leases to deposits | 96.9620% | 911 |
| Net loans and leases to core deposits | 108.8133% | 938 |
| Total domestic deposits to total assets | 81.5293% | 4,311 |
| Equity capital to assets | 11.1265% | 2,881 |
| Core capital (leverage) ratio | 11.4734% | 2,058 |
| Tier 1 risk-based capital ratio | 12.9577% | 4,446 |
| Total risk-based capital ratio | 14.2142% | 4,370 |
| Memoranda: | ||
| Average total assets | $205,711,500 | 2,916 |
| Average earning assets | $195,428,250 | 2,849 |
| Average equity | $22,955,000 | 2,902 |
| Average total loans | $166,604,750 | 2,406 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 1,437 |
| Cost of funding earning assets | 0.8542% | 373 |
| Net interest margin | 3.6808% | 2,796 |
| Noninterest income to average assets | 0.1478% | 5,822 |
| Noninterest expense to average assets | 1.6739% | 5,993 |
| Loan and lease loss provision to assets | 0.0197% | 3,736 |
| Net operating income to assets | 1.2296% | 1,519 |
| Return on assets (ROA) | 1.2296% | 1,591 |
| Pretax return on assets | 1.9695% | 633 |
| Return on Equity (ROE) | 11.0077% | 1,676 |
| Retained earnings to average equity (ytd only) | 8.4587% | 1,095 |
| Net charge-offs to loans | -0.1008% | 5,794 |
| Credit loss provision to net charge-offs | -24.0964% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6966% | 6,053 |
| Assets per employee ($millions) | 8.8636% | 392 |
| Cash dividends to net income (ytd only)* | 23.1571% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 1,179 |
| Loan loss allowance to noncurrent loans | 78.4208% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.0004% | 1,101 |
| Noncurrent loans to loans | 2.4142% | 937 |
| Net loans and leases to total assets | 81.2883% | 636 |
| Net loans and leases to deposits | 98.6082% | 742 |
| Net loans and leases to core deposits | 111.6241% | 756 |
| Total domestic deposits to total assets | 82.4357% | 4,142 |
| Equity capital to assets | 11.3444% | 2,533 |
| Core capital (leverage) ratio | 11.4228% | 2,055 |
| Tier 1 risk-based capital ratio | 13.1214% | 4,444 |
| Total risk-based capital ratio | 14.3786% | 4,355 |
| Memoranda: | ||
| Average total assets | $202,996,000 | 2,962 |
| Average earning assets | $193,868,670 | 2,890 |
| Average equity | $22,675,000 | 2,941 |
| Average total loans | $164,689,330 | 2,434 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5052% | 1,446 |
| Cost of funding earning assets | 0.8512% | 378 |
| Net interest margin | 3.6540% | 2,797 |
| Noninterest income to average assets | 0.1461% | 5,862 |
| Noninterest expense to average assets | 1.6548% | 6,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2283% | 1,467 |
| Return on assets (ROA) | 1.2283% | 1,561 |
| Pretax return on assets | 1.9668% | 621 |
| Return on Equity (ROE) | 11.0829% | 1,610 |
| Retained earnings to average equity (ytd only) | 11.0829% | 705 |
| Net charge-offs to loans | -0.2042% | 6,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6925% | 6,115 |
| Assets per employee ($millions) | 9.6307% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9536% | 1,175 |
| Loan loss allowance to noncurrent loans | 74.2350% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 2.1168% | 1,086 |
| Noncurrent loans to loans | 2.6316% | 906 |
| Net loans and leases to total assets | 78.8646% | 817 |
| Net loans and leases to deposits | 94.8964% | 903 |
| Net loans and leases to core deposits | 107.1232% | 869 |
| Total domestic deposits to total assets | 83.1061% | 4,148 |
| Equity capital to assets | 11.2745% | 2,679 |
| Core capital (leverage) ratio | 11.1247% | 2,290 |
| Tier 1 risk-based capital ratio | 13.6417% | 4,255 |
| Total risk-based capital ratio | 14.8999% | 4,158 |
| Memoranda: | ||
| Average total assets | $202,563,000 | 2,984 |
| Average earning assets | $192,665,000 | 2,920 |
| Average equity | $22,449,000 | 2,978 |
| Average total loans | $162,577,000 | 2,464 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6099% | 1,529 |
| Cost of funding earning assets | 0.8335% | 553 |
| Net interest margin | 3.7764% | 2,706 |
| Noninterest income to average assets | 0.1481% | 5,952 |
| Noninterest expense to average assets | 1.7061% | 6,148 |
| Loan and lease loss provision to assets | 0.3276% | 593 |
| Net operating income to assets | 1.0679% | 2,094 |
| Return on assets (ROA) | 1.0679% | 2,148 |
| Pretax return on assets | 1.7046% | 979 |
| Return on Equity (ROE) | 9.8256% | 2,188 |
| Retained earnings to average equity (ytd only) | 8.6769% | 779 |
| Net charge-offs to loans | -0.0096% | 5,550 |
| Credit loss provision to net charge-offs | -4,233.3333% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6390% | 6,280 |
| Assets per employee ($millions) | 10.1441% | 240 |
| Cash dividends to net income (ytd only)* | 11.6908% | 4,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 1,306 |
| Loan loss allowance to noncurrent loans | 69.9435% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 2.1811% | 1,120 |
| Noncurrent loans to loans | 2.7235% | 893 |
| Net loans and leases to total assets | 78.5590% | 937 |
| Net loans and leases to deposits | 93.4912% | 1,130 |
| Net loans and leases to core deposits | 106.0419% | 1,018 |
| Total domestic deposits to total assets | 84.0282% | 3,707 |
| Equity capital to assets | 10.8911% | 3,024 |
| Core capital (leverage) ratio | 10.9321% | 2,465 |
| Tier 1 risk-based capital ratio | 13.6098% | 4,343 |
| Total risk-based capital ratio | 14.8679% | 4,278 |
| Memoranda: | ||
| Average total assets | $193,833,800 | 3,061 |
| Average earning assets | $184,275,600 | 2,984 |
| Average equity | $21,067,400 | 3,046 |
| Average total loans | $155,764,200 | 2,483 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6303% | 1,488 |
| Cost of funding earning assets | 0.8175% | 631 |
| Net interest margin | 3.8128% | 2,565 |
| Noninterest income to average assets | 0.1475% | 6,033 |
| Noninterest expense to average assets | 1.6982% | 6,210 |
| Loan and lease loss provision to assets | 0.2993% | 659 |
| Net operating income to assets | 1.1108% | 1,984 |
| Return on assets (ROA) | 1.1108% | 2,047 |
| Pretax return on assets | 1.7761% | 927 |
| Return on Equity (ROE) | 10.2255% | 2,102 |
| Retained earnings to average equity (ytd only) | 8.6750% | 1,108 |
| Net charge-offs to loans | 0.0026% | 4,619 |
| Credit loss provision to net charge-offs | 14,333.3333% | 20 |
| Earnings coverage of net charge-offs (x) | 993.9750% | 72 |
| Efficiency ratio | 45.0018% | 6,325 |
| Assets per employee ($millions) | 9.8803% | 251 |
| Cash dividends to net income (ytd only)* | 15.1630% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7949% | 1,700 |
| Loan loss allowance to noncurrent loans | 72.6721% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.9999% | 1,437 |
| Noncurrent loans to loans | 2.4699% | 1,195 |
| Net loans and leases to total assets | 79.5188% | 771 |
| Net loans and leases to deposits | 93.0696% | 1,120 |
| Net loans and leases to core deposits | 104.5066% | 1,071 |
| Total domestic deposits to total assets | 85.4402% | 3,138 |
| Equity capital to assets | 10.9217% | 3,042 |
| Core capital (leverage) ratio | 11.0437% | 2,444 |
| Tier 1 risk-based capital ratio | 13.4480% | 4,581 |
| Total risk-based capital ratio | 14.7045% | 4,515 |
| Memoranda: | ||
| Average total assets | $191,571,750 | 3,114 |
| Average earning assets | $182,188,250 | 3,031 |
| Average equity | $20,810,250 | 3,081 |
| Average total loans | $154,086,000 | 2,515 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 1,497 |
| Cost of funding earning assets | 0.7928% | 743 |
| Net interest margin | 3.8198% | 2,483 |
| Noninterest income to average assets | 0.1488% | 6,068 |
| Noninterest expense to average assets | 1.7092% | 6,260 |
| Loan and lease loss provision to assets | 0.2796% | 729 |
| Net operating income to assets | 1.1247% | 1,838 |
| Return on assets (ROA) | 1.1247% | 1,924 |
| Pretax return on assets | 1.8000% | 842 |
| Return on Equity (ROE) | 10.3732% | 1,985 |
| Retained earnings to average equity (ytd only) | 8.0183% | 1,325 |
| Net charge-offs to loans | -0.0171% | 5,487 |
| Credit loss provision to net charge-offs | -2,038.4615% | 5,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1128% | 6,385 |
| Assets per employee ($millions) | 9.6473% | 262 |
| Cash dividends to net income (ytd only)* | 22.7017% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 1,999 |
| Loan loss allowance to noncurrent loans | 64.0555% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 2.2032% | 1,383 |
| Noncurrent loans to loans | 2.7196% | 1,117 |
| Net loans and leases to total assets | 79.5995% | 731 |
| Net loans and leases to deposits | 92.7692% | 1,071 |
| Net loans and leases to core deposits | 102.7785% | 1,094 |
| Total domestic deposits to total assets | 85.8038% | 3,150 |
| Equity capital to assets | 10.8922% | 2,984 |
| Core capital (leverage) ratio | 10.9772% | 2,449 |
| Tier 1 risk-based capital ratio | 13.6001% | 4,527 |
| Total risk-based capital ratio | 14.8566% | 4,459 |
| Memoranda: | ||
| Average total assets | $189,560,330 | 3,156 |
| Average earning assets | $180,636,670 | 3,074 |
| Average equity | $20,553,000 | 3,115 |
| Average total loans | $152,112,670 | 2,544 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5217% | 1,740 |
| Cost of funding earning assets | 0.7890% | 788 |
| Net interest margin | 3.7327% | 2,738 |
| Noninterest income to average assets | 0.1405% | 6,134 |
| Noninterest expense to average assets | 1.7033% | 6,346 |
| Loan and lease loss provision to assets | 0.2661% | 784 |
| Net operating income to assets | 1.0816% | 1,890 |
| Return on assets (ROA) | 1.0816% | 1,955 |
| Pretax return on assets | 1.7267% | 920 |
| Return on Equity (ROE) | 9.9993% | 2,038 |
| Retained earnings to average equity (ytd only) | 9.9993% | 960 |
| Net charge-offs to loans | -0.0347% | 5,646 |
| Credit loss provision to net charge-offs | -961.5385% | 5,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0829% | 6,421 |
| Assets per employee ($millions) | 9.4370% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7065% | 2,329 |
| Loan loss allowance to noncurrent loans | 46.4234% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 2.9480% | 980 |
| Noncurrent loans to loans | 3.6760% | 770 |
| Net loans and leases to total assets | 78.8274% | 673 |
| Net loans and leases to deposits | 91.3040% | 1,006 |
| Net loans and leases to core deposits | 100.3907% | 1,075 |
| Total domestic deposits to total assets | 86.3351% | 3,191 |
| Equity capital to assets | 10.9246% | 2,789 |
| Core capital (leverage) ratio | 11.0555% | 2,338 |
| Tier 1 risk-based capital ratio | 13.7955% | 4,471 |
| Total risk-based capital ratio | 15.0513% | 4,422 |
| Memoranda: | ||
| Average total assets | $187,867,500 | 3,189 |
| Average earning assets | $178,961,000 | 3,113 |
| Average equity | $20,321,500 | 3,134 |
| Average total loans | $150,015,500 | 2,584 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8304% | 1,255 |
| Cost of funding earning assets | 0.8653% | 883 |
| Net interest margin | 3.9651% | 2,048 |
| Noninterest income to average assets | -0.0098% | 6,672 |
| Noninterest expense to average assets | 1.6994% | 6,448 |
| Loan and lease loss provision to assets | 0.5913% | 423 |
| Net operating income to assets | 0.9027% | 2,767 |
| Return on assets (ROA) | 0.9149% | 2,796 |
| Pretax return on assets | 1.4641% | 1,569 |
| Return on Equity (ROE) | 8.2405% | 2,907 |
| Retained earnings to average equity (ytd only) | 8.2405% | 974 |
| Net charge-offs to loans | 0.8292% | 745 |
| Credit loss provision to net charge-offs | 89.6763% | 2,768 |
| Earnings coverage of net charge-offs (x) | 3.0884% | 3,957 |
| Efficiency ratio | 45.4910% | 6,580 |
| Assets per employee ($millions) | 9.8419% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 2,595 |
| Loan loss allowance to noncurrent loans | 58.6190% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 2.2305% | 1,594 |
| Noncurrent loans to loans | 2.8055% | 1,258 |
| Net loans and leases to total assets | 78.1969% | 805 |
| Net loans and leases to deposits | 89.2977% | 1,312 |
| Net loans and leases to core deposits | 97.2894% | 1,364 |
| Total domestic deposits to total assets | 87.5687% | 2,438 |
| Equity capital to assets | 10.7083% | 2,927 |
| Core capital (leverage) ratio | 10.8706% | 2,510 |
| Tier 1 risk-based capital ratio | 13.6390% | 4,561 |
| Total risk-based capital ratio | 14.8937% | 4,500 |
| Memoranda: | ||
| Average total assets | $173,353,400 | 3,358 |
| Average earning assets | $163,753,600 | 3,292 |
| Average equity | $19,246,400 | 3,253 |
| Average total loans | $137,843,800 | 2,736 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8314% | 1,283 |
| Cost of funding earning assets | 0.8783% | 913 |
| Net interest margin | 3.9531% | 2,101 |
| Noninterest income to average assets | -0.0730% | 6,799 |
| Noninterest expense to average assets | 1.7386% | 6,427 |
| Loan and lease loss provision to assets | 0.6433% | 355 |
| Net operating income to assets | 0.7970% | 3,361 |
| Return on assets (ROA) | 0.8136% | 3,405 |
| Pretax return on assets | 1.3000% | 2,332 |
| Return on Equity (ROE) | 7.2571% | 3,512 |
| Retained earnings to average equity (ytd only) | 7.2571% | 1,767 |
| Net charge-offs to loans | 0.8988% | 646 |
| Credit loss provision to net charge-offs | 90.0110% | 2,638 |
| Earnings coverage of net charge-offs (x) | 2.6828% | 3,941 |
| Efficiency ratio | 47.5536% | 6,520 |
| Assets per employee ($millions) | 9.4687% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 2,434 |
| Loan loss allowance to noncurrent loans | 53.2988% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 2.7131% | 1,387 |
| Noncurrent loans to loans | 3.2950% | 1,180 |
| Net loans and leases to total assets | 76.8667% | 889 |
| Net loans and leases to deposits | 86.5858% | 1,543 |
| Net loans and leases to core deposits | 94.5656% | 1,518 |
| Total domestic deposits to total assets | 88.7752% | 1,681 |
| Equity capital to assets | 10.8391% | 2,925 |
| Core capital (leverage) ratio | 11.1366% | 2,353 |
| Tier 1 risk-based capital ratio | 13.8376% | 4,544 |
| Total risk-based capital ratio | 15.0940% | 4,494 |
| Memoranda: | ||
| Average total assets | $169,942,750 | 3,449 |
| Average earning assets | $160,307,750 | 3,364 |
| Average equity | $19,052,000 | 3,309 |
| Average total loans | $135,137,250 | 2,783 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 1,109 |
| Cost of funding earning assets | 0.8992% | 905 |
| Net interest margin | 3.9978% | 1,861 |
| Noninterest income to average assets | 0.1728% | 6,172 |
| Noninterest expense to average assets | 1.8293% | 6,327 |
| Loan and lease loss provision to assets | 0.6482% | 380 |
| Net operating income to assets | 0.9121% | 2,733 |
| Return on assets (ROA) | 0.9375% | 2,770 |
| Pretax return on assets | 1.5028% | 1,609 |
| Return on Equity (ROE) | 8.2634% | 2,958 |
| Retained earnings to average equity (ytd only) | 8.2634% | 1,381 |
| Net charge-offs to loans | 1.3417% | 421 |
| Credit loss provision to net charge-offs | 60.4027% | 3,010 |
| Earnings coverage of net charge-offs (x) | 1.9676% | 3,862 |
| Efficiency ratio | 46.4210% | 6,620 |
| Assets per employee ($millions) | 8.9158% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 3,154 |
| Loan loss allowance to noncurrent loans | 76.5419% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 2.3453% | 1,830 |
| Noncurrent loans to loans | 2.0924% | 2,287 |
| Net loans and leases to total assets | 80.1182% | 526 |
| Net loans and leases to deposits | 90.8064% | 1,070 |
| Net loans and leases to core deposits | 98.7047% | 1,159 |
| Total domestic deposits to total assets | 88.2297% | 2,093 |
| Equity capital to assets | 11.3571% | 2,421 |
| Core capital (leverage) ratio | 11.4920% | 1,939 |
| Tier 1 risk-based capital ratio | 13.8116% | 4,555 |
| Total risk-based capital ratio | 15.0659% | 4,518 |
| Memoranda: | ||
| Average total assets | $166,622,000 | 3,516 |
| Average earning assets | $157,037,000 | 3,448 |
| Average equity | $18,902,670 | 3,342 |
| Average total loans | $133,263,330 | 2,817 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9077% | 1,059 |
| Cost of funding earning assets | 0.9170% | 907 |
| Net interest margin | 3.9907% | 1,827 |
| Noninterest income to average assets | 0.1719% | 6,229 |
| Noninterest expense to average assets | 1.7575% | 6,487 |
| Loan and lease loss provision to assets | 0.9078% | 216 |
| Net operating income to assets | 0.7792% | 3,286 |
| Return on assets (ROA) | 0.8303% | 3,148 |
| Pretax return on assets | 1.3266% | 2,138 |
| Return on Equity (ROE) | 7.3234% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.3234% | 2,017 |
| Net charge-offs to loans | 2.7312% | 143 |
| Credit loss provision to net charge-offs | 41.9463% | 2,720 |
| Earnings coverage of net charge-offs (x) | 0.9955% | 3,505 |
| Efficiency ratio | 44.9257% | 6,735 |
| Assets per employee ($millions) | 9.7975% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 3,631 |
| Loan loss allowance to noncurrent loans | 65.8505% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 2.5162% | 1,826 |
| Noncurrent loans to loans | 2.3503% | 2,215 |
| Net loans and leases to total assets | 78.0647% | 603 |
| Net loans and leases to deposits | 88.3020% | 1,115 |
| Net loans and leases to core deposits | 96.1048% | 1,193 |
| Total domestic deposits to total assets | 88.4064% | 2,061 |
| Equity capital to assets | 11.3444% | 2,589 |
| Core capital (leverage) ratio | 11.4361% | 1,915 |
| Tier 1 risk-based capital ratio | 14.0791% | 4,449 |
| Total risk-based capital ratio | 15.3326% | 4,404 |
| Memoranda: | ||
| Average total assets | $165,232,500 | 3,577 |
| Average earning assets | $154,860,000 | 3,517 |
| Average equity | $18,734,500 | 3,417 |
| Average total loans | $130,930,000 | 2,881 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0987% | 1,320 |
| Cost of funding earning assets | 1.0365% | 1,183 |
| Net interest margin | 4.0622% | 2,146 |
| Noninterest income to average assets | 0.1096% | 6,468 |
| Noninterest expense to average assets | 1.7649% | 6,665 |
| Loan and lease loss provision to assets | 0.6573% | 809 |
| Net operating income to assets | 0.9323% | 2,634 |
| Return on assets (ROA) | 0.9382% | 2,857 |
| Pretax return on assets | 1.5039% | 1,664 |
| Return on Equity (ROE) | 8.3082% | 2,954 |
| Retained earnings to average equity (ytd only) | 8.3082% | 1,027 |
| Net charge-offs to loans | 0.1772% | 3,954 |
| Credit loss provision to net charge-offs | 482.9268% | 505 |
| Earnings coverage of net charge-offs (x) | 15.8098% | 1,628 |
| Efficiency ratio | 45.0585% | 6,817 |
| Assets per employee ($millions) | 9.1059% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9747% | 2,087 |
| Loan loss allowance to noncurrent loans | 115.9204% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 1.6766% | 2,884 |
| Noncurrent loans to loans | 1.7035% | 3,063 |
| Net loans and leases to total assets | 77.6233% | 719 |
| Net loans and leases to deposits | 88.5460% | 1,212 |
| Net loans and leases to core deposits | 96.3105% | 1,273 |
| Total domestic deposits to total assets | 87.6643% | 2,437 |
| Equity capital to assets | 11.3320% | 2,601 |
| Core capital (leverage) ratio | 11.4424% | 1,916 |
| Tier 1 risk-based capital ratio | 13.9370% | 4,417 |
| Total risk-based capital ratio | 15.1957% | 4,387 |
| Memoranda: | ||
| Average total assets | $150,605,800 | 3,765 |
| Average earning assets | $141,154,800 | 3,705 |
| Average equity | $17,007,200 | 3,631 |
| Average total loans | $115,683,000 | 3,170 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0914% | 1,450 |
| Cost of funding earning assets | 1.0581% | 1,243 |
| Net interest margin | 4.0333% | 2,366 |
| Noninterest income to average assets | 0.0960% | 6,631 |
| Noninterest expense to average assets | 1.7734% | 6,706 |
| Loan and lease loss provision to assets | 0.3531% | 1,844 |
| Net operating income to assets | 1.0827% | 2,158 |
| Return on assets (ROA) | 1.0827% | 2,359 |
| Pretax return on assets | 1.7445% | 1,173 |
| Return on Equity (ROE) | 9.5972% | 2,543 |
| Retained earnings to average equity (ytd only) | 9.5972% | 1,029 |
| Net charge-offs to loans | 0.0903% | 4,473 |
| Credit loss provision to net charge-offs | 513.1579% | 521 |
| Earnings coverage of net charge-offs (x) | 30.4871% | 1,083 |
| Efficiency ratio | 45.8138% | 6,825 |
| Assets per employee ($millions) | 9.3861% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 3,169 |
| Loan loss allowance to noncurrent loans | 132.5729% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.9889% | 4,304 |
| Noncurrent loans to loans | 1.2786% | 3,908 |
| Net loans and leases to total assets | 76.0359% | 971 |
| Net loans and leases to deposits | 86.1776% | 1,584 |
| Net loans and leases to core deposits | 94.5864% | 1,521 |
| Total domestic deposits to total assets | 88.2317% | 1,889 |
| Equity capital to assets | 11.4738% | 2,777 |
| Core capital (leverage) ratio | 11.5924% | 1,920 |
| Tier 1 risk-based capital ratio | 14.4931% | 4,186 |
| Total risk-based capital ratio | 15.7486% | 4,153 |
| Memoranda: | ||
| Average total assets | $147,280,500 | 3,861 |
| Average earning assets | $137,849,750 | 3,792 |
| Average equity | $16,615,500 | 3,717 |
| Average total loans | $112,155,500 | 3,277 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0783% | 1,570 |
| Cost of funding earning assets | 1.0818% | 1,300 |
| Net interest margin | 3.9965% | 2,521 |
| Noninterest income to average assets | 0.0461% | 6,870 |
| Noninterest expense to average assets | 1.8116% | 6,738 |
| Loan and lease loss provision to assets | 0.3143% | 2,098 |
| Net operating income to assets | 1.0294% | 2,339 |
| Return on assets (ROA) | 1.0294% | 2,562 |
| Pretax return on assets | 1.6510% | 1,395 |
| Return on Equity (ROE) | 9.1830% | 2,724 |
| Retained earnings to average equity (ytd only) | 9.1830% | 1,213 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9660% | 6,775 |
| Assets per employee ($millions) | 9.0371% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 3,066 |
| Loan loss allowance to noncurrent loans | 96.2981% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.3864% | 3,651 |
| Noncurrent loans to loans | 1.8081% | 3,203 |
| Net loans and leases to total assets | 73.5768% | 1,312 |
| Net loans and leases to deposits | 83.4171% | 1,927 |
| Net loans and leases to core deposits | 90.6827% | 1,909 |
| Total domestic deposits to total assets | 88.2035% | 2,016 |
| Equity capital to assets | 11.5101% | 2,584 |
| Core capital (leverage) ratio | 11.9739% | 1,614 |
| Tier 1 risk-based capital ratio | 14.9799% | 3,780 |
| Total risk-based capital ratio | 16.2353% | 3,726 |
| Memoranda: | ||
| Average total assets | $143,186,000 | 3,948 |
| Average earning assets | $133,668,000 | 3,893 |
| Average equity | $16,051,330 | 3,798 |
| Average total loans | $108,401,330 | 3,372 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0913% | 1,600 |
| Cost of funding earning assets | 1.1080% | 1,361 |
| Net interest margin | 3.9833% | 2,580 |
| Noninterest income to average assets | -0.0377% | 7,128 |
| Noninterest expense to average assets | 1.8672% | 6,703 |
| Loan and lease loss provision to assets | 0.2754% | 2,259 |
| Net operating income to assets | 0.9684% | 2,600 |
| Return on assets (ROA) | 0.9684% | 2,803 |
| Pretax return on assets | 1.5511% | 1,736 |
| Return on Equity (ROE) | 8.7690% | 2,925 |
| Retained earnings to average equity (ytd only) | 8.7690% | 1,674 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5495% | 6,634 |
| Assets per employee ($millions) | 8.9365% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 3,266 |
| Loan loss allowance to noncurrent loans | 99.2055% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.3554% | 3,851 |
| Noncurrent loans to loans | 1.7348% | 3,508 |
| Net loans and leases to total assets | 74.8028% | 949 |
| Net loans and leases to deposits | 85.3504% | 1,493 |
| Net loans and leases to core deposits | 92.1336% | 1,637 |
| Total domestic deposits to total assets | 87.6420% | 2,563 |
| Equity capital to assets | 12.0825% | 1,985 |
| Core capital (leverage) ratio | 12.7113% | 1,236 |
| Tier 1 risk-based capital ratio | 15.5928% | 3,396 |
| Total risk-based capital ratio | 16.8488% | 3,359 |
| Memoranda: | ||
| Average total assets | $137,964,000 | 4,074 |
| Average earning assets | $129,239,000 | 4,002 |
| Average equity | $15,235,500 | 3,948 |
| Average total loans | $105,082,500 | 3,479 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1284% | 2,337 |
| Cost of funding earning assets | 1.2706% | 1,618 |
| Net interest margin | 3.8578% | 3,525 |
| Noninterest income to average assets | 0.0944% | 6,663 |
| Noninterest expense to average assets | 1.9103% | 6,815 |
| Loan and lease loss provision to assets | 0.3720% | 2,761 |
| Net operating income to assets | 0.9504% | 2,406 |
| Return on assets (ROA) | 0.9504% | 2,533 |
| Pretax return on assets | 1.4407% | 1,654 |
| Return on Equity (ROE) | 9.4950% | 2,250 |
| Retained earnings to average equity (ytd only) | 9.4950% | 674 |
| Net charge-offs to loans | 0.0033% | 6,405 |
| Credit loss provision to net charge-offs | 15,500.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 755.3333% | 39 |
| Efficiency ratio | 51.3107% | 6,750 |
| Assets per employee ($millions) | 8.3090% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 3,003 |
| Loan loss allowance to noncurrent loans | 74.4556% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.8722% | 3,154 |
| Noncurrent loans to loans | 2.3565% | 2,783 |
| Net loans and leases to total assets | 74.8872% | 1,108 |
| Net loans and leases to deposits | 83.3819% | 2,014 |
| Net loans and leases to core deposits | 90.1712% | 2,104 |
| Total domestic deposits to total assets | 89.8123% | 1,089 |
| Equity capital to assets | 9.9252% | 4,262 |
| Core capital (leverage) ratio | 10.0207% | 3,312 |
| Tier 1 risk-based capital ratio | 13.1219% | 4,975 |
| Total risk-based capital ratio | 14.3785% | 4,947 |
| Memoranda: | ||
| Average total assets | $125,005,800 | 4,272 |
| Average earning assets | $117,579,600 | 4,192 |
| Average equity | $12,511,800 | 4,442 |
| Average total loans | $91,232,000 | 3,824 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0828% | 2,693 |
| Cost of funding earning assets | 1.2923% | 1,746 |
| Net interest margin | 3.7905% | 3,921 |
| Noninterest income to average assets | 0.0845% | 6,819 |
| Noninterest expense to average assets | 1.9270% | 6,823 |
| Loan and lease loss provision to assets | 0.3522% | 2,757 |
| Net operating income to assets | 0.9039% | 2,726 |
| Return on assets (ROA) | 0.9039% | 2,865 |
| Pretax return on assets | 1.3753% | 2,023 |
| Return on Equity (ROE) | 9.0104% | 2,589 |
| Retained earnings to average equity (ytd only) | 9.0104% | 1,139 |
| Net charge-offs to loans | 0.0045% | 6,129 |
| Credit loss provision to net charge-offs | 10,833.3333% | 22 |
| Earnings coverage of net charge-offs (x) | 531.3200% | 70 |
| Efficiency ratio | 52.7284% | 6,615 |
| Assets per employee ($millions) | 7.9233% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 3,118 |
| Loan loss allowance to noncurrent loans | 69.5246% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.8584% | 3,319 |
| Noncurrent loans to loans | 2.5120% | 2,760 |
| Net loans and leases to total assets | 72.6890% | 1,571 |
| Net loans and leases to deposits | 81.4917% | 2,451 |
| Net loans and leases to core deposits | 87.0078% | 2,635 |
| Total domestic deposits to total assets | 89.1980% | 1,303 |
| Equity capital to assets | 10.1323% | 4,177 |
| Core capital (leverage) ratio | 9.9007% | 3,575 |
| Tier 1 risk-based capital ratio | 13.6778% | 4,594 |
| Total risk-based capital ratio | 14.9342% | 4,556 |
| Memoranda: | ||
| Average total assets | $123,021,250 | 4,341 |
| Average earning assets | $115,865,500 | 4,256 |
| Average equity | $12,341,000 | 4,483 |
| Average total loans | $88,706,000 | 3,934 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0327% | 3,001 |
| Cost of funding earning assets | 1.3210% | 1,818 |
| Net interest margin | 3.7117% | 4,211 |
| Noninterest income to average assets | 0.0821% | 6,919 |
| Noninterest expense to average assets | 1.9414% | 6,888 |
| Loan and lease loss provision to assets | 0.3695% | 2,575 |
| Net operating income to assets | 0.8163% | 3,006 |
| Return on assets (ROA) | 0.8163% | 3,124 |
| Pretax return on assets | 1.2417% | 2,338 |
| Return on Equity (ROE) | 8.1656% | 2,873 |
| Retained earnings to average equity (ytd only) | 8.1656% | 1,401 |
| Net charge-offs to loans | 0.0069% | 5,769 |
| Credit loss provision to net charge-offs | 7,500.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 327.0000% | 102 |
| Efficiency ratio | 54.6463% | 6,552 |
| Assets per employee ($millions) | 9.2088% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 3,369 |
| Loan loss allowance to noncurrent loans | 72.6157% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.6428% | 3,711 |
| Noncurrent loans to loans | 2.3241% | 3,067 |
| Net loans and leases to total assets | 69.4957% | 2,321 |
| Net loans and leases to deposits | 77.1462% | 3,271 |
| Net loans and leases to core deposits | 82.1876% | 3,470 |
| Total domestic deposits to total assets | 90.0832% | 932 |
| Equity capital to assets | 9.6631% | 4,584 |
| Core capital (leverage) ratio | 9.8290% | 3,480 |
| Tier 1 risk-based capital ratio | 14.2130% | 4,005 |
| Total risk-based capital ratio | 15.4697% | 3,975 |
| Memoranda: | ||
| Average total assets | $121,770,670 | 4,395 |
| Average earning assets | $113,855,670 | 4,335 |
| Average equity | $12,173,000 | 4,512 |
| Average total loans | $87,012,000 | 4,017 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0498% | 2,854 |
| Cost of funding earning assets | 1.3327% | 1,991 |
| Net interest margin | 3.7171% | 4,010 |
| Noninterest income to average assets | 0.0880% | 6,972 |
| Noninterest expense to average assets | 1.9866% | 6,845 |
| Loan and lease loss provision to assets | 0.4230% | 2,076 |
| Net operating income to assets | 0.7513% | 3,266 |
| Return on assets (ROA) | 0.7513% | 3,330 |
| Pretax return on assets | 1.1710% | 2,475 |
| Return on Equity (ROE) | 7.3812% | 3,207 |
| Retained earnings to average equity (ytd only) | 7.3812% | 1,993 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4820% | 6,559 |
| Assets per employee ($millions) | 8.1354% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 3,493 |
| Loan loss allowance to noncurrent loans | 97.2991% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.2136% | 4,524 |
| Noncurrent loans to loans | 1.7044% | 3,934 |
| Net loans and leases to total assets | 70.0265% | 2,121 |
| Net loans and leases to deposits | 78.0915% | 3,044 |
| Net loans and leases to core deposits | 84.2152% | 3,138 |
| Total domestic deposits to total assets | 89.6723% | 1,377 |
| Equity capital to assets | 9.9548% | 3,834 |
| Core capital (leverage) ratio | 10.2243% | 2,907 |
| Tier 1 risk-based capital ratio | 14.6404% | 3,647 |
| Total risk-based capital ratio | 15.8970% | 3,601 |
| Memoranda: | ||
| Average total assets | $118,194,500 | 4,536 |
| Average earning assets | $111,053,000 | 4,438 |
| Average equity | $12,030,500 | 4,540 |
| Average total loans | $84,951,000 | 4,109 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2133% | 3,538 |
| Cost of funding earning assets | 1.6049% | 2,047 |
| Net interest margin | 3.6085% | 4,781 |
| Noninterest income to average assets | 0.0758% | 7,004 |
| Noninterest expense to average assets | 2.1383% | 6,755 |
| Loan and lease loss provision to assets | 0.6591% | 2,501 |
| Net operating income to assets | 1.2865% | 1,209 |
| Return on assets (ROA) | 1.2865% | 1,267 |
| Pretax return on assets | 0.7370% | 3,841 |
| Return on Equity (ROE) | 10.9803% | 1,596 |
| Retained earnings to average equity (ytd only) | 10.9803% | 382 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5004% | 5,969 |
| Assets per employee ($millions) | 7.6239% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 3,639 |
| Loan loss allowance to noncurrent loans | 146.5479% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.7853% | 5,442 |
| Noncurrent loans to loans | 1.0818% | 4,927 |
| Net loans and leases to total assets | 71.4344% | 2,212 |
| Net loans and leases to deposits | 80.0139% | 3,175 |
| Net loans and leases to core deposits | 85.1338% | 3,450 |
| Total domestic deposits to total assets | 89.2775% | 1,505 |
| Equity capital to assets | 10.4173% | 3,256 |
| Core capital (leverage) ratio | 10.8036% | 2,309 |
| Tier 1 risk-based capital ratio | 15.0577% | 3,207 |
| Total risk-based capital ratio | 16.3124% | 3,156 |
| Memoranda: | ||
| Average total assets | $94,983,400 | 5,129 |
| Average earning assets | $91,035,600 | 4,983 |
| Average equity | $11,129,000 | 4,835 |
| Average total loans | $67,515,400 | 4,771 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2214% | 3,728 |
| Cost of funding earning assets | 1.6693% | 2,011 |
| Net interest margin | 3.5522% | 5,100 |
| Noninterest income to average assets | 0.0769% | 7,152 |
| Noninterest expense to average assets | 2.1803% | 6,659 |
| Loan and lease loss provision to assets | 0.7706% | 1,984 |
| Net operating income to assets | 1.4969% | 931 |
| Return on assets (ROA) | 1.4969% | 1,009 |
| Pretax return on assets | 0.5443% | 4,782 |
| Return on Equity (ROE) | 12.3415% | 1,415 |
| Retained earnings to average equity (ytd only) | 12.3415% | 422 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3783% | 5,545 |
| Assets per employee ($millions) | 7.9030% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 3,521 |
| Loan loss allowance to noncurrent loans | 134.8552% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8741% | 5,349 |
| Noncurrent loans to loans | 1.1876% | 4,867 |
| Net loans and leases to total assets | 72.4214% | 2,160 |
| Net loans and leases to deposits | 81.9872% | 3,108 |
| Net loans and leases to core deposits | 88.2349% | 3,336 |
| Total domestic deposits to total assets | 88.3326% | 1,775 |
| Equity capital to assets | 11.3618% | 2,644 |
| Core capital (leverage) ratio | 11.3500% | 2,039 |
| Tier 1 risk-based capital ratio | 16.2604% | 2,652 |
| Total risk-based capital ratio | 17.5157% | 2,601 |
| Memoranda: | ||
| Average total assets | $90,139,750 | 5,352 |
| Average earning assets | $86,743,000 | 5,182 |
| Average equity | $10,933,000 | 4,943 |
| Average total loans | $63,642,500 | 4,995 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1655% | 4,114 |
| Cost of funding earning assets | 1.7033% | 2,105 |
| Net interest margin | 3.4621% | 5,394 |
| Noninterest income to average assets | 0.0768% | 7,205 |
| Noninterest expense to average assets | 2.1806% | 6,695 |
| Loan and lease loss provision to assets | 0.7703% | 1,869 |
| Net operating income to assets | 0.4654% | 4,487 |
| Return on assets (ROA) | 0.4654% | 4,643 |
| Pretax return on assets | 0.4654% | 5,015 |
| Return on Equity (ROE) | 3.7431% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.7431% | 3,717 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8283% | 5,366 |
| Assets per employee ($millions) | 7.2244% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 4,071 |
| Loan loss allowance to noncurrent loans | 112.0746% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.9007% | 5,317 |
| Noncurrent loans to loans | 1.3108% | 4,760 |
| Net loans and leases to total assets | 67.7028% | 3,454 |
| Net loans and leases to deposits | 76.0692% | 4,322 |
| Net loans and leases to core deposits | 83.1635% | 4,252 |
| Total domestic deposits to total assets | 89.0016% | 1,440 |
| Equity capital to assets | 10.7305% | 3,148 |
| Core capital (leverage) ratio | 11.4256% | 1,957 |
| Tier 1 risk-based capital ratio | 16.4077% | 2,513 |
| Total risk-based capital ratio | 17.6619% | 2,454 |
| Memoranda: | ||
| Average total assets | $85,940,000 | 5,509 |
| Average earning assets | $82,896,670 | 5,339 |
| Average equity | $10,686,330 | 5,008 |
| Average total loans | $59,651,330 | 5,195 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1198% | 4,439 |
| Cost of funding earning assets | 1.6890% | 2,445 |
| Net interest margin | 3.4309% | 5,460 |
| Noninterest income to average assets | 0.0664% | 7,386 |
| Noninterest expense to average assets | 2.2722% | 6,471 |
| Loan and lease loss provision to assets | 0.8170% | 1,546 |
| Net operating income to assets | 0.2859% | 5,349 |
| Return on assets (ROA) | 0.2859% | 5,482 |
| Pretax return on assets | 0.2859% | 5,648 |
| Return on Equity (ROE) | 2.1126% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.1126% | 4,867 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3222% | 4,845 |
| Assets per employee ($millions) | 6.7109% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 4,386 |
| Loan loss allowance to noncurrent loans | 92.0910% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 1.0580% | 5,028 |
| Noncurrent loans to loans | 1.5284% | 4,457 |
| Net loans and leases to total assets | 68.2469% | 3,322 |
| Net loans and leases to deposits | 78.0443% | 4,029 |
| Net loans and leases to core deposits | 88.5498% | 3,559 |
| Total domestic deposits to total assets | 87.4464% | 2,386 |
| Equity capital to assets | 12.2040% | 1,931 |
| Core capital (leverage) ratio | 13.5949% | 1,058 |
| Tier 1 risk-based capital ratio | 18.3255% | 1,863 |
| Total risk-based capital ratio | 19.5782% | 1,832 |
| Memoranda: | ||
| Average total assets | $78,339,000 | 5,817 |
| Average earning assets | $75,549,500 | 5,648 |
| Average equity | $10,603,000 | 5,072 |
| Average total loans | $54,728,500 | 5,461 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1008% | 6,083 |
| Cost of funding earning assets | 1.8770% | 3,582 |
| Net interest margin | 3.2238% | 6,014 |
| Noninterest income to average assets | 0.0679% | 7,411 |
| Noninterest expense to average assets | 3.1870% | 3,418 |
| Loan and lease loss provision to assets | 1.0740% | 2,135 |
| Net operating income to assets | -1.1151% | 6,653 |
| Return on assets (ROA) | -1.1151% | 6,663 |
| Pretax return on assets | -1.1151% | 6,486 |
| Return on Equity (ROE) | -5.0823% | 6,219 |
| Retained earnings to average equity (ytd only) | -5.0823% | 6,031 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3080% | 1,042 |
| Assets per employee ($millions) | 6.3124% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 4,203 |
| Loan loss allowance to noncurrent loans | 74.3534% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.3365% | 4,427 |
| Noncurrent loans to loans | 1.8913% | 3,816 |
| Net loans and leases to total assets | 69.6714% | 3,324 |
| Net loans and leases to deposits | 83.3353% | 3,393 |
| Net loans and leases to core deposits | 122.8248% | 1,726 |
| Total domestic deposits to total assets | 83.6036% | 4,232 |
| Equity capital to assets | 15.2068% | 865 |
| Core capital (leverage) ratio | 15.6673% | 666 |
| Tier 1 risk-based capital ratio | 20.7249% | 1,339 |
| Total risk-based capital ratio | 21.9762% | 1,307 |
| Memoranda: | ||
| Average total assets | $48,604,400 | 6,765 |
| Average earning assets | $46,404,600 | 6,670 |
| Average equity | $10,664,400 | 5,108 |
| Average total loans | $30,181,600 | 6,614 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 6,609 |
| Cost of funding earning assets | 1.8675% | 4,060 |
| Net interest margin | 3.1298% | 6,234 |
| Noninterest income to average assets | 0.0707% | 7,562 |
| Noninterest expense to average assets | 3.5855% | 2,056 |
| Loan and lease loss provision to assets | 1.2351% | 1,569 |
| Net operating income to assets | -1.7943% | 7,234 |
| Return on assets (ROA) | -1.7943% | 7,233 |
| Pretax return on assets | -1.7943% | 7,088 |
| Return on Equity (ROE) | -7.2834% | 6,687 |
| Retained earnings to average equity (ytd only) | -7.2834% | 6,537 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.4772% | 616 |
| Assets per employee ($millions) | 5.6888% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 3,931 |
| Loan loss allowance to noncurrent loans | 61.0932% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 1.4910% | 4,139 |
| Noncurrent loans to loans | 2.2945% | 3,273 |
| Net loans and leases to total assets | 64.0699% | 4,856 |
| Net loans and leases to deposits | 77.4101% | 4,833 |
| Net loans and leases to core deposits | 113.1899% | 2,918 |
| Total domestic deposits to total assets | 82.7668% | 4,337 |
| Equity capital to assets | 16.8353% | 656 |
| Core capital (leverage) ratio | 18.2886% | 435 |
| Tier 1 risk-based capital ratio | 23.7657% | 1,023 |
| Total risk-based capital ratio | 25.0158% | 1,001 |
| Memoranda: | ||
| Average total assets | $43,396,500 | 7,019 |
| Average earning assets | $40,981,250 | 6,960 |
| Average equity | $10,690,750 | 5,146 |
| Average total loans | $25,460,250 | 6,942 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7409% | 7,332 |
| Cost of funding earning assets | 1.8450% | 4,540 |
| Net interest margin | 2.8959% | 6,810 |
| Noninterest income to average assets | 0.0703% | 7,635 |
| Noninterest expense to average assets | 4.2753% | 982 |
| Loan and lease loss provision to assets | 1.3891% | 1,247 |
| Net operating income to assets | -2.9133% | 7,657 |
| Return on assets (ROA) | -2.9133% | 7,655 |
| Pretax return on assets | -2.9133% | 7,551 |
| Return on Equity (ROE) | -10.0347% | 7,036 |
| Retained earnings to average equity (ytd only) | -10.0347% | 6,878 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.4028% | 345 |
| Assets per employee ($millions) | 5.1917% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 3,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 59.8763% | 5,693 |
| Net loans and leases to deposits | 75.3490% | 5,268 |
| Net loans and leases to core deposits | 105.4835% | 3,902 |
| Total domestic deposits to total assets | 79.4653% | 5,663 |
| Equity capital to assets | 20.1764% | 368 |
| Core capital (leverage) ratio | 25.2582% | 200 |
| Tier 1 risk-based capital ratio | 29.3661% | 638 |
| Total risk-based capital ratio | 30.5582% | 628 |
| Memoranda: | ||
| Average total assets | $37,003,000 | 7,335 |
| Average earning assets | $34,255,000 | 7,303 |
| Average equity | $10,742,670 | 5,152 |
| Average total loans | $20,392,670 | 7,303 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 7,545 |
| Cost of funding earning assets | 1.8345% | 4,945 |
| Net interest margin | 2.8377% | 6,905 |
| Noninterest income to average assets | 0.0406% | 7,881 |
| Noninterest expense to average assets | 5.2664% | 408 |
| Loan and lease loss provision to assets | 1.0154% | 1,290 |
| Net operating income to assets | -3.5605% | 7,928 |
| Return on assets (ROA) | -3.5605% | 7,922 |
| Pretax return on assets | -3.5605% | 7,848 |
| Return on Equity (ROE) | -9.6722% | 7,342 |
| Retained earnings to average equity (ytd only) | -9.6722% | 7,079 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 193.5323% | 208 |
| Assets per employee ($millions) | 3.9048% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 3,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 43.6232% | 7,373 |
| Net loans and leases to deposits | 60.5352% | 6,849 |
| Net loans and leases to core deposits | 84.8265% | 5,991 |
| Total domestic deposits to total assets | 72.0626% | 7,200 |
| Equity capital to assets | 27.5046% | 177 |
| Core capital (leverage) ratio | 36.0977% | 112 |
| Tier 1 risk-based capital ratio | 50.0910% | 206 |
| Total risk-based capital ratio | 51.2250% | 203 |
| Memoranda: | ||
| Average total assets | $29,546,000 | 7,666 |
| Average earning assets | $27,910,000 | 7,615 |
| Average equity | $10,876,500 | 5,142 |
| Average total loans | $14,833,500 | 7,644 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7564% | 8,239 |
| Cost of funding earning assets | 0.5195% | 8,188 |
| Net interest margin | 1.2369% | 8,208 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 10.7961% | 126 |
| Loan and lease loss provision to assets | 1.0060% | 1,463 |
| Net operating income to assets | -10.6045% | 8,260 |
| Return on assets (ROA) | -10.6045% | 8,259 |
| Pretax return on assets | -10.6045% | 8,250 |
| Return on Equity (ROE) | -15.8174% | 7,624 |
| Retained earnings to average equity (ytd only) | -15.8174% | 7,510 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 901.5000% | 21 |
| Assets per employee ($millions) | 2.0044% | 7,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 3,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 60.9759% | 5,775 |
| Net loans and leases to deposits | 145.3270% | 88 |
| Net loans and leases to core deposits | 209.4243% | 140 |
| Total domestic deposits to total assets | 41.9577% | 8,178 |
| Equity capital to assets | 54.9441% | 67 |
| Core capital (leverage) ratio | 65.3306% | 48 |
| Tier 1 risk-based capital ratio | 81.3055% | 98 |
| Total risk-based capital ratio | 82.5488% | 98 |
| Memoranda: | ||
| Average total assets | $16,700,500 | 8,112 |
| Average earning assets | $16,169,500 | 8,062 |
| Average equity | $11,196,500 | 5,068 |
| Average total loans | $6,912,000 | 8,084 |