Home > The Dolores State Bank > Performance and Condition Ratios
The Dolores State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 2,085 |
| Cost of funding earning assets | 0.4750% | 4,219 |
| Net interest margin | 4.5160% | 601 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.1553% | 3,241 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.8891% | 533 |
| Return on assets (ROA) | 1.8687% | 535 |
| Pretax return on assets | 2.4124% | 372 |
| Return on Equity (ROE) | 15.7900% | 1,136 |
| Retained earnings to average equity (ytd only) | 13.2100% | 479 |
| Net charge-offs to loans | 0.0303% | 1,698 |
| Credit loss provision to net charge-offs | 389.6104% | 794 |
| Earnings coverage of net charge-offs (x) | 122.7662% | 814 |
| Efficiency ratio | 46.1183% | 4,190 |
| Assets per employee ($millions) | 7.0664% | 2,029 |
| Cash dividends to net income (ytd only)* | 16.3222% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 1,895 |
| Loan loss allowance to noncurrent loans | 171.2356% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 1,070 |
| Noncurrent loans to loans | 0.7453% | 1,048 |
| Net loans and leases to total assets | 69.3900% | 1,881 |
| Net loans and leases to deposits | 83.0631% | 1,852 |
| Net loans and leases to core deposits | 87.4937% | 2,211 |
| Total domestic deposits to total assets | 83.5400% | 2,745 |
| Equity capital to assets | 12.7286% | 932 |
| Core capital (leverage) ratio | 14.5664% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5963% | 567 |
| Memoranda: | ||
| Average total assets | $375,393,000 | 2,095 |
| Average earning assets | $345,903,600 | 2,110 |
| Average equity | $44,436,000 | 1,749 |
| Average total loans | $253,882,400 | 1,985 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 1,953 |
| Cost of funding earning assets | 0.3679% | 4,292 |
| Net interest margin | 4.5803% | 549 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.1919% | 3,100 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.8316% | 625 |
| Return on assets (ROA) | 1.8043% | 658 |
| Pretax return on assets | 2.4141% | 418 |
| Return on Equity (ROE) | 15.5400% | 1,335 |
| Retained earnings to average equity (ytd only) | 15.5410% | 505 |
| Net charge-offs to loans | 0.0101% | 2,022 |
| Credit loss provision to net charge-offs | 1,315.7895% | 334 |
| Earnings coverage of net charge-offs (x) | 374.5263% | 381 |
| Efficiency ratio | 46.3429% | 4,115 |
| Assets per employee ($millions) | 6.7785% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 1,843 |
| Loan loss allowance to noncurrent loans | 208.3840% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 1,319 |
| Noncurrent loans to loans | 0.6270% | 1,298 |
| Net loans and leases to total assets | 69.5000% | 1,887 |
| Net loans and leases to deposits | 80.1875% | 2,029 |
| Net loans and leases to core deposits | 84.0634% | 2,323 |
| Total domestic deposits to total assets | 86.6700% | 1,991 |
| Equity capital to assets | 12.0397% | 1,032 |
| Core capital (leverage) ratio | 14.3671% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3090% | 603 |
| Memoranda: | ||
| Average total assets | $373,844,250 | 2,111 |
| Average earning assets | $344,303,250 | 2,116 |
| Average equity | $43,402,250 | 1,766 |
| Average total loans | $250,303,250 | 1,996 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7842% | 2,028 |
| Cost of funding earning assets | 0.2916% | 4,327 |
| Net interest margin | 4.4927% | 610 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.2042% | 3,060 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.7493% | 714 |
| Return on assets (ROA) | 1.7350% | 739 |
| Pretax return on assets | 2.3331% | 444 |
| Return on Equity (ROE) | 15.1300% | 1,447 |
| Retained earnings to average equity (ytd only) | 15.1302% | 547 |
| Net charge-offs to loans | 0.0236% | 1,411 |
| Credit loss provision to net charge-offs | 517.2414% | 639 |
| Earnings coverage of net charge-offs (x) | 156.8621% | 731 |
| Efficiency ratio | 47.5499% | 4,089 |
| Assets per employee ($millions) | 6.3091% | 2,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 1,937 |
| Loan loss allowance to noncurrent loans | 205.2534% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 1,225 |
| Noncurrent loans to loans | 0.6328% | 1,180 |
| Net loans and leases to total assets | 67.8000% | 1,978 |
| Net loans and leases to deposits | 78.1359% | 2,120 |
| Net loans and leases to core deposits | 80.2230% | 2,457 |
| Total domestic deposits to total assets | 86.7700% | 2,001 |
| Equity capital to assets | 12.0166% | 1,043 |
| Core capital (leverage) ratio | 13.8139% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3177% | 604 |
| Memoranda: | ||
| Average total assets | $374,186,333 | 2,107 |
| Average earning assets | $345,718,000 | 2,114 |
| Average equity | $42,907,667 | 1,786 |
| Average total loans | $246,227,000 | 2,016 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7409% | 1,755 |
| Cost of funding earning assets | 0.1825% | 4,407 |
| Net interest margin | 4.5584% | 535 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.2497% | 2,957 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.7798% | 699 |
| Return on assets (ROA) | 1.7688% | 707 |
| Pretax return on assets | 2.3680% | 433 |
| Return on Equity (ROE) | 15.8000% | 1,401 |
| Retained earnings to average equity (ytd only) | 15.8013% | 709 |
| Net charge-offs to loans | 0.0133% | 1,459 |
| Credit loss provision to net charge-offs | 625.0000% | 486 |
| Earnings coverage of net charge-offs (x) | 285.5000% | 379 |
| Efficiency ratio | 48.0200% | 4,081 |
| Assets per employee ($millions) | 6.7815% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 1,906 |
| Loan loss allowance to noncurrent loans | 243.5011% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 1,441 |
| Noncurrent loans to loans | 0.5454% | 1,355 |
| Net loans and leases to total assets | 64.5600% | 2,196 |
| Net loans and leases to deposits | 74.1356% | 2,286 |
| Net loans and leases to core deposits | 75.8960% | 2,537 |
| Total domestic deposits to total assets | 87.0800% | 2,235 |
| Equity capital to assets | 11.6707% | 1,099 |
| Core capital (leverage) ratio | 13.1564% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8425% | 675 |
| Memoranda: | ||
| Average total assets | $375,162,000 | 2,130 |
| Average earning assets | $346,346,000 | 2,138 |
| Average equity | $41,996,500 | 1,835 |
| Average total loans | $241,498,000 | 2,062 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 1,567 |
| Cost of funding earning assets | 0.1036% | 4,379 |
| Net interest margin | 3.9540% | 853 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.0749% | 3,370 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.5717% | 737 |
| Return on assets (ROA) | 1.5717% | 702 |
| Pretax return on assets | 2.0141% | 468 |
| Return on Equity (ROE) | 14.3600% | 1,444 |
| Retained earnings to average equity (ytd only) | 11.5581% | 767 |
| Net charge-offs to loans | -0.0150% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.4132% | 4,108 |
| Assets per employee ($millions) | 7.2565% | 1,783 |
| Cash dividends to net income (ytd only)* | 19.5093% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 1,723 |
| Loan loss allowance to noncurrent loans | 181.5088% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 1,088 |
| Noncurrent loans to loans | 0.7378% | 1,017 |
| Net loans and leases to total assets | 62.4800% | 2,388 |
| Net loans and leases to deposits | 70.8846% | 2,502 |
| Net loans and leases to core deposits | 72.5258% | 2,683 |
| Total domestic deposits to total assets | 88.1400% | 2,022 |
| Equity capital to assets | 10.7232% | 1,363 |
| Core capital (leverage) ratio | 12.3158% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8449% | 638 |
| Memoranda: | ||
| Average total assets | $373,419,800 | 2,130 |
| Average earning assets | $347,399,400 | 2,119 |
| Average equity | $40,871,800 | 1,891 |
| Average total loans | $226,145,200 | 2,076 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 1,460 |
| Cost of funding earning assets | 0.0977% | 4,304 |
| Net interest margin | 3.8135% | 933 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.0896% | 3,233 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.4098% | 1,063 |
| Return on assets (ROA) | 1.4098% | 1,034 |
| Pretax return on assets | 1.8608% | 645 |
| Return on Equity (ROE) | 12.8100% | 1,769 |
| Retained earnings to average equity (ytd only) | 12.8143% | 644 |
| Net charge-offs to loans | -0.0257% | 4,083 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.6567% | 3,958 |
| Assets per employee ($millions) | 7.4417% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 1,680 |
| Loan loss allowance to noncurrent loans | 144.9289% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 967 |
| Noncurrent loans to loans | 0.9507% | 820 |
| Net loans and leases to total assets | 57.3100% | 2,769 |
| Net loans and leases to deposits | 64.3491% | 2,840 |
| Net loans and leases to core deposits | 65.8595% | 2,961 |
| Total domestic deposits to total assets | 89.0600% | 2,067 |
| Equity capital to assets | 9.5383% | 1,855 |
| Core capital (leverage) ratio | 12.1670% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0354% | 640 |
| Memoranda: | ||
| Average total assets | $372,440,000 | 2,141 |
| Average earning assets | $346,797,000 | 2,138 |
| Average equity | $40,974,000 | 1,917 |
| Average total loans | $222,943,250 | 2,093 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8392% | 1,220 |
| Cost of funding earning assets | 0.0981% | 4,208 |
| Net interest margin | 3.7411% | 851 |
| Noninterest income to average assets | 0.3807% | 2,867 |
| Noninterest expense to average assets | 2.1040% | 3,135 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3377% | 1,054 |
| Return on assets (ROA) | 1.3377% | 1,033 |
| Pretax return on assets | 1.7644% | 648 |
| Return on Equity (ROE) | 11.6032% | 1,791 |
| Retained earnings to average equity (ytd only) | 11.6032% | 677 |
| Net charge-offs to loans | -0.0163% | 3,788 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3897% | 3,929 |
| Assets per employee ($millions) | 6.8587% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 2,063 |
| Loan loss allowance to noncurrent loans | 224.6176% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 1,510 |
| Noncurrent loans to loans | 0.5905% | 1,432 |
| Net loans and leases to total assets | 61.9436% | 2,126 |
| Net loans and leases to deposits | 70.4028% | 2,159 |
| Net loans and leases to core deposits | 72.4862% | 2,284 |
| Total domestic deposits to total assets | 87.9845% | 2,583 |
| Equity capital to assets | 10.5926% | 1,393 |
| Core capital (leverage) ratio | 12.5386% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2830% | 681 |
| Memoranda: | ||
| Average total assets | $365,116,333 | 2,180 |
| Average earning assets | $340,384,667 | 2,181 |
| Average equity | $42,092,000 | 1,927 |
| Average total loans | $220,858,000 | 2,104 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7326% | 1,214 |
| Cost of funding earning assets | 0.0979% | 4,156 |
| Net interest margin | 3.6348% | 839 |
| Noninterest income to average assets | 0.3123% | 3,227 |
| Noninterest expense to average assets | 2.0470% | 3,309 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2679% | 1,074 |
| Return on assets (ROA) | 1.2679% | 1,066 |
| Pretax return on assets | 1.6663% | 731 |
| Return on Equity (ROE) | 10.5602% | 1,777 |
| Retained earnings to average equity (ytd only) | 10.5602% | 883 |
| Net charge-offs to loans | -0.0205% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1263% | 3,957 |
| Assets per employee ($millions) | 6.9116% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 1,920 |
| Loan loss allowance to noncurrent loans | 210.6092% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 1,506 |
| Noncurrent loans to loans | 0.6625% | 1,429 |
| Net loans and leases to total assets | 59.3598% | 2,141 |
| Net loans and leases to deposits | 68.0842% | 2,146 |
| Net loans and leases to core deposits | 69.4816% | 2,336 |
| Total domestic deposits to total assets | 87.1859% | 2,859 |
| Equity capital to assets | 11.2947% | 1,195 |
| Core capital (leverage) ratio | 12.4621% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9299% | 648 |
| Memoranda: | ||
| Average total assets | $362,489,000 | 2,193 |
| Average earning assets | $339,169,500 | 2,193 |
| Average equity | $43,522,000 | 1,939 |
| Average total loans | $215,034,500 | 2,139 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 1,451 |
| Cost of funding earning assets | 0.1081% | 4,323 |
| Net interest margin | 3.8528% | 919 |
| Noninterest income to average assets | 0.3251% | 3,459 |
| Noninterest expense to average assets | 2.0596% | 3,505 |
| Loan and lease loss provision to assets | 0.0735% | 1,631 |
| Net operating income to assets | 1.4206% | 1,214 |
| Return on assets (ROA) | 1.4206% | 1,279 |
| Pretax return on assets | 1.8065% | 904 |
| Return on Equity (ROE) | 10.9091% | 2,192 |
| Retained earnings to average equity (ytd only) | 8.6474% | 1,300 |
| Net charge-offs to loans | -0.0105% | 3,757 |
| Credit loss provision to net charge-offs | -1,190.4762% | 3,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2793% | 4,090 |
| Assets per employee ($millions) | 7.1733% | 1,811 |
| Cash dividends to net income (ytd only)* | 20.7325% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 1,684 |
| Loan loss allowance to noncurrent loans | 158.4496% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 1,223 |
| Noncurrent loans to loans | 0.9234% | 1,097 |
| Net loans and leases to total assets | 57.5699% | 2,416 |
| Net loans and leases to deposits | 67.0644% | 2,399 |
| Net loans and leases to core deposits | 68.3781% | 2,614 |
| Total domestic deposits to total assets | 85.8427% | 2,961 |
| Equity capital to assets | 12.7334% | 983 |
| Core capital (leverage) ratio | 12.4241% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2600% | 625 |
| Memoranda: | ||
| Average total assets | $340,215,200 | 2,245 |
| Average earning assets | $319,174,000 | 2,237 |
| Average equity | $44,302,400 | 1,942 |
| Average total loans | $200,365,000 | 2,231 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9517% | 1,637 |
| Cost of funding earning assets | 0.1096% | 4,424 |
| Net interest margin | 3.8421% | 1,038 |
| Noninterest income to average assets | 0.3127% | 3,555 |
| Noninterest expense to average assets | 2.0424% | 3,549 |
| Loan and lease loss provision to assets | 0.0596% | 1,800 |
| Net operating income to assets | 1.3782% | 1,608 |
| Return on assets (ROA) | 1.3782% | 1,665 |
| Pretax return on assets | 1.8168% | 1,122 |
| Return on Equity (ROE) | 10.5213% | 2,546 |
| Retained earnings to average equity (ytd only) | 10.5213% | 1,169 |
| Net charge-offs to loans | -0.0175% | 3,920 |
| Credit loss provision to net charge-offs | -576.9231% | 3,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1188% | 4,020 |
| Assets per employee ($millions) | 6.9717% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 1,634 |
| Loan loss allowance to noncurrent loans | 166.2563% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 1,523 |
| Noncurrent loans to loans | 0.9019% | 1,276 |
| Net loans and leases to total assets | 54.8915% | 2,865 |
| Net loans and leases to deposits | 64.2130% | 2,825 |
| Net loans and leases to core deposits | 65.4313% | 3,006 |
| Total domestic deposits to total assets | 85.4834% | 2,954 |
| Equity capital to assets | 12.8027% | 1,053 |
| Core capital (leverage) ratio | 12.4936% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6261% | 560 |
| Memoranda: | ||
| Average total assets | $335,603,250 | 2,285 |
| Average earning assets | $314,996,750 | 2,276 |
| Average equity | $43,960,500 | 1,974 |
| Average total loans | $198,069,250 | 2,280 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 1,640 |
| Cost of funding earning assets | 0.1112% | 4,498 |
| Net interest margin | 3.8571% | 1,052 |
| Noninterest income to average assets | 0.2931% | 3,673 |
| Noninterest expense to average assets | 2.0082% | 3,673 |
| Loan and lease loss provision to assets | 0.0608% | 1,822 |
| Net operating income to assets | 1.4032% | 1,554 |
| Return on assets (ROA) | 1.4032% | 1,619 |
| Pretax return on assets | 1.8507% | 1,118 |
| Return on Equity (ROE) | 10.6261% | 2,551 |
| Retained earnings to average equity (ytd only) | 10.6261% | 1,209 |
| Net charge-offs to loans | -0.0091% | 3,636 |
| Credit loss provision to net charge-offs | -1,111.1111% | 3,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2331% | 4,123 |
| Assets per employee ($millions) | 6.8151% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 1,786 |
| Loan loss allowance to noncurrent loans | 267.6498% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 2,355 |
| Noncurrent loans to loans | 0.5404% | 2,049 |
| Net loans and leases to total assets | 56.9258% | 2,791 |
| Net loans and leases to deposits | 66.6362% | 2,763 |
| Net loans and leases to core deposits | 67.9879% | 2,962 |
| Total domestic deposits to total assets | 85.4277% | 2,930 |
| Equity capital to assets | 12.8437% | 999 |
| Core capital (leverage) ratio | 12.6989% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3649% | 584 |
| Memoranda: | ||
| Average total assets | $328,951,667 | 2,316 |
| Average earning assets | $309,299,333 | 2,289 |
| Average equity | $43,440,333 | 1,976 |
| Average total loans | $198,045,000 | 2,291 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 1,661 |
| Cost of funding earning assets | 0.1155% | 4,547 |
| Net interest margin | 3.8528% | 1,055 |
| Noninterest income to average assets | 0.2841% | 3,700 |
| Noninterest expense to average assets | 2.2525% | 2,931 |
| Loan and lease loss provision to assets | 0.0626% | 1,882 |
| Net operating income to assets | 1.0674% | 2,578 |
| Return on assets (ROA) | 1.0674% | 2,658 |
| Pretax return on assets | 1.6018% | 1,722 |
| Return on Equity (ROE) | 7.9645% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.9645% | 2,250 |
| Net charge-offs to loans | -0.0183% | 3,952 |
| Credit loss provision to net charge-offs | -555.5556% | 3,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5080% | 3,369 |
| Assets per employee ($millions) | 6.2004% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 1,908 |
| Loan loss allowance to noncurrent loans | 169.5781% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.5121% | 1,856 |
| Noncurrent loans to loans | 0.8324% | 1,604 |
| Net loans and leases to total assets | 60.6582% | 2,453 |
| Net loans and leases to deposits | 71.1139% | 2,408 |
| Net loans and leases to core deposits | 72.6416% | 2,645 |
| Total domestic deposits to total assets | 85.2973% | 2,998 |
| Equity capital to assets | 12.9566% | 923 |
| Core capital (leverage) ratio | 13.0887% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1031% | 576 |
| Memoranda: | ||
| Average total assets | $319,642,500 | 2,344 |
| Average earning assets | $301,388,000 | 2,320 |
| Average equity | $42,840,000 | 1,991 |
| Average total loans | $196,687,000 | 2,305 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 2,487 |
| Cost of funding earning assets | 0.1338% | 4,780 |
| Net interest margin | 3.9448% | 1,101 |
| Noninterest income to average assets | 0.2926% | 3,731 |
| Noninterest expense to average assets | 2.2360% | 3,570 |
| Loan and lease loss provision to assets | 0.1862% | 2,091 |
| Net operating income to assets | 1.2433% | 1,402 |
| Return on assets (ROA) | 1.2433% | 1,510 |
| Pretax return on assets | 1.5623% | 1,158 |
| Return on Equity (ROE) | 8.6140% | 2,547 |
| Retained earnings to average equity (ytd only) | 6.5430% | 1,573 |
| Net charge-offs to loans | 0.0530% | 2,032 |
| Credit loss provision to net charge-offs | 563.1579% | 1,160 |
| Earnings coverage of net charge-offs (x) | 52.8947% | 1,145 |
| Efficiency ratio | 56.1174% | 3,974 |
| Assets per employee ($millions) | 5.7531% | 2,577 |
| Cash dividends to net income (ytd only)* | 24.0414% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 1,726 |
| Loan loss allowance to noncurrent loans | 150.2688% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 1,761 |
| Noncurrent loans to loans | 0.9729% | 1,453 |
| Net loans and leases to total assets | 60.6409% | 2,776 |
| Net loans and leases to deposits | 71.7206% | 2,713 |
| Net loans and leases to core deposits | 73.4369% | 2,960 |
| Total domestic deposits to total assets | 84.5515% | 2,932 |
| Equity capital to assets | 13.8741% | 826 |
| Core capital (leverage) ratio | 13.2327% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9358% | 509 |
| Memoranda: | ||
| Average total assets | $287,388,600 | 2,356 |
| Average earning assets | $268,960,400 | 2,344 |
| Average equity | $41,479,200 | 1,973 |
| Average total loans | $179,350,000 | 2,418 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 2,740 |
| Cost of funding earning assets | 0.1374% | 4,835 |
| Net interest margin | 3.9381% | 1,261 |
| Noninterest income to average assets | 0.2997% | 3,689 |
| Noninterest expense to average assets | 2.2009% | 3,676 |
| Loan and lease loss provision to assets | 0.1588% | 2,418 |
| Net operating income to assets | 1.2278% | 1,556 |
| Return on assets (ROA) | 1.2278% | 1,675 |
| Pretax return on assets | 1.6195% | 1,131 |
| Return on Equity (ROE) | 8.4172% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.4172% | 1,163 |
| Net charge-offs to loans | 0.0839% | 1,467 |
| Credit loss provision to net charge-offs | 301.8018% | 1,753 |
| Earnings coverage of net charge-offs (x) | 33.8288% | 1,492 |
| Efficiency ratio | 55.3136% | 4,002 |
| Assets per employee ($millions) | 5.4807% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 1,912 |
| Loan loss allowance to noncurrent loans | 130.2525% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.6569% | 1,765 |
| Noncurrent loans to loans | 1.0451% | 1,428 |
| Net loans and leases to total assets | 61.9948% | 3,013 |
| Net loans and leases to deposits | 73.6689% | 2,988 |
| Net loans and leases to core deposits | 75.6001% | 3,203 |
| Total domestic deposits to total assets | 84.1533% | 2,767 |
| Equity capital to assets | 14.3074% | 784 |
| Core capital (leverage) ratio | 13.5887% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8502% | 460 |
| Memoranda: | ||
| Average total assets | $281,569,500 | 2,370 |
| Average earning assets | $263,062,250 | 2,357 |
| Average equity | $41,073,500 | 1,970 |
| Average total loans | $176,391,250 | 2,437 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1255% | 2,980 |
| Cost of funding earning assets | 0.1396% | 4,906 |
| Net interest margin | 3.9859% | 1,360 |
| Noninterest income to average assets | 0.3121% | 3,592 |
| Noninterest expense to average assets | 2.2470% | 3,662 |
| Loan and lease loss provision to assets | 0.2073% | 1,980 |
| Net operating income to assets | 1.1973% | 1,647 |
| Return on assets (ROA) | 1.1973% | 1,775 |
| Pretax return on assets | 1.5749% | 1,280 |
| Return on Equity (ROE) | 8.1508% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.1508% | 1,256 |
| Net charge-offs to loans | 0.0674% | 1,574 |
| Credit loss provision to net charge-offs | 491.3793% | 1,253 |
| Earnings coverage of net charge-offs (x) | 42.2414% | 1,211 |
| Efficiency ratio | 55.7682% | 3,972 |
| Assets per employee ($millions) | 4.9745% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 1,388 |
| Loan loss allowance to noncurrent loans | 95.8071% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.9182% | 1,335 |
| Noncurrent loans to loans | 1.5181% | 995 |
| Net loans and leases to total assets | 59.6080% | 3,369 |
| Net loans and leases to deposits | 70.7622% | 3,364 |
| Net loans and leases to core deposits | 72.6650% | 3,546 |
| Total domestic deposits to total assets | 84.2372% | 2,669 |
| Equity capital to assets | 14.3226% | 772 |
| Core capital (leverage) ratio | 13.9503% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1936% | 488 |
| Memoranda: | ||
| Average total assets | $274,946,667 | 2,378 |
| Average earning assets | $256,403,667 | 2,376 |
| Average equity | $40,388,667 | 1,981 |
| Average total loans | $172,036,667 | 2,451 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 2,728 |
| Cost of funding earning assets | 0.1442% | 4,981 |
| Net interest margin | 4.2212% | 882 |
| Noninterest income to average assets | 0.3493% | 3,427 |
| Noninterest expense to average assets | 2.3879% | 3,556 |
| Loan and lease loss provision to assets | 0.0376% | 3,300 |
| Net operating income to assets | 1.4002% | 977 |
| Return on assets (ROA) | 1.4002% | 1,057 |
| Pretax return on assets | 1.8459% | 634 |
| Return on Equity (ROE) | 9.4022% | 1,952 |
| Retained earnings to average equity (ytd only) | 9.4022% | 865 |
| Net charge-offs to loans | 0.1229% | 972 |
| Credit loss provision to net charge-offs | 48.0769% | 2,067 |
| Earnings coverage of net charge-offs (x) | 24.0577% | 1,311 |
| Efficiency ratio | 55.9041% | 4,213 |
| Assets per employee ($millions) | 5.2841% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 1,862 |
| Loan loss allowance to noncurrent loans | 98.9796% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.8902% | 1,509 |
| Noncurrent loans to loans | 1.3735% | 1,172 |
| Net loans and leases to total assets | 63.9326% | 3,074 |
| Net loans and leases to deposits | 77.0297% | 2,975 |
| Net loans and leases to core deposits | 79.2531% | 3,263 |
| Total domestic deposits to total assets | 82.9973% | 3,115 |
| Equity capital to assets | 15.2567% | 719 |
| Core capital (leverage) ratio | 14.4680% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6287% | 520 |
| Memoranda: | ||
| Average total assets | $265,673,000 | 2,389 |
| Average earning assets | $246,847,500 | 2,392 |
| Average equity | $39,565,000 | 2,000 |
| Average total loans | $169,291,000 | 2,459 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 3,124 |
| Cost of funding earning assets | 0.1265% | 5,069 |
| Net interest margin | 4.3216% | 1,042 |
| Noninterest income to average assets | 0.3753% | 3,453 |
| Noninterest expense to average assets | 2.3281% | 3,879 |
| Loan and lease loss provision to assets | 0.0471% | 3,083 |
| Net operating income to assets | 1.5919% | 853 |
| Return on assets (ROA) | 1.7892% | 569 |
| Pretax return on assets | 2.2579% | 341 |
| Return on Equity (ROE) | 12.6166% | 1,295 |
| Retained earnings to average equity (ytd only) | 9.5715% | 578 |
| Net charge-offs to loans | 0.0383% | 2,620 |
| Credit loss provision to net charge-offs | 201.6129% | 1,316 |
| Earnings coverage of net charge-offs (x) | 87.9032% | 743 |
| Efficiency ratio | 53.1102% | 4,508 |
| Assets per employee ($millions) | 5.0404% | 2,544 |
| Cash dividends to net income (ytd only)* | 24.1358% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 1,500 |
| Loan loss allowance to noncurrent loans | 103.0184% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 0.9415% | 1,349 |
| Noncurrent loans to loans | 1.3661% | 1,090 |
| Net loans and leases to total assets | 61.7599% | 3,424 |
| Net loans and leases to deposits | 73.6147% | 3,386 |
| Net loans and leases to core deposits | 75.7870% | 3,585 |
| Total domestic deposits to total assets | 83.8961% | 2,880 |
| Equity capital to assets | 14.5320% | 922 |
| Core capital (leverage) ratio | 13.9980% | 927 |
| Tier 1 risk-based capital ratio | 22.6874% | 944 |
| Total risk-based capital ratio | 23.9392% | 932 |
| Memoranda: | ||
| Average total assets | $265,153,800 | 2,361 |
| Average earning assets | $245,928,400 | 2,366 |
| Average equity | $37,601,200 | 2,024 |
| Average total loans | $161,730,400 | 2,493 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4346% | 3,255 |
| Cost of funding earning assets | 0.1218% | 5,157 |
| Net interest margin | 4.3128% | 1,141 |
| Noninterest income to average assets | 0.3783% | 3,446 |
| Noninterest expense to average assets | 2.2942% | 3,972 |
| Loan and lease loss provision to assets | 0.0504% | 2,890 |
| Net operating income to assets | 1.5507% | 1,059 |
| Return on assets (ROA) | 1.8141% | 627 |
| Pretax return on assets | 2.3638% | 327 |
| Return on Equity (ROE) | 12.8732% | 1,328 |
| Retained earnings to average equity (ytd only) | 12.8732% | 298 |
| Net charge-offs to loans | -0.0050% | 4,201 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4413% | 4,561 |
| Assets per employee ($millions) | 5.3992% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 1,253 |
| Loan loss allowance to noncurrent loans | 76.8836% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.1554% | 1,116 |
| Noncurrent loans to loans | 1.9490% | 702 |
| Net loans and leases to total assets | 58.3910% | 3,838 |
| Net loans and leases to deposits | 69.6034% | 3,791 |
| Net loans and leases to core deposits | 71.6426% | 3,966 |
| Total domestic deposits to total assets | 83.8910% | 2,861 |
| Equity capital to assets | 14.6447% | 940 |
| Core capital (leverage) ratio | 14.1917% | 935 |
| Tier 1 risk-based capital ratio | 23.9978% | 841 |
| Total risk-based capital ratio | 25.2511% | 827 |
| Memoranda: | ||
| Average total assets | $264,657,000 | 2,378 |
| Average earning assets | $245,247,250 | 2,384 |
| Average equity | $37,296,250 | 2,050 |
| Average total loans | $160,327,750 | 2,534 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 3,302 |
| Cost of funding earning assets | 0.1183% | 5,203 |
| Net interest margin | 4.2917% | 1,162 |
| Noninterest income to average assets | 0.3796% | 3,404 |
| Noninterest expense to average assets | 2.3402% | 3,892 |
| Loan and lease loss provision to assets | 0.0380% | 3,051 |
| Net operating income to assets | 1.5155% | 1,109 |
| Return on assets (ROA) | 1.9134% | 486 |
| Pretax return on assets | 2.4801% | 248 |
| Return on Equity (ROE) | 13.7620% | 1,031 |
| Retained earnings to average equity (ytd only) | 13.7620% | 239 |
| Net charge-offs to loans | -0.0050% | 4,121 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7386% | 4,500 |
| Assets per employee ($millions) | 5.2816% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 1,472 |
| Loan loss allowance to noncurrent loans | 83.5411% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.0629% | 1,288 |
| Noncurrent loans to loans | 1.7180% | 886 |
| Net loans and leases to total assets | 60.9824% | 3,652 |
| Net loans and leases to deposits | 72.5230% | 3,637 |
| Net loans and leases to core deposits | 75.1913% | 3,799 |
| Total domestic deposits to total assets | 84.0869% | 2,820 |
| Equity capital to assets | 14.4590% | 961 |
| Core capital (leverage) ratio | 14.0384% | 947 |
| Tier 1 risk-based capital ratio | 23.1320% | 937 |
| Total risk-based capital ratio | 24.3849% | 911 |
| Memoranda: | ||
| Average total assets | $262,889,000 | 2,402 |
| Average earning assets | $243,491,670 | 2,404 |
| Average equity | $36,550,000 | 2,078 |
| Average total loans | $160,426,670 | 2,535 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 3,384 |
| Cost of funding earning assets | 0.1104% | 5,265 |
| Net interest margin | 4.2470% | 1,204 |
| Noninterest income to average assets | 0.3645% | 3,417 |
| Noninterest expense to average assets | 2.4263% | 3,697 |
| Loan and lease loss provision to assets | 0.0763% | 2,153 |
| Net operating income to assets | 1.4015% | 1,373 |
| Return on assets (ROA) | 1.4015% | 1,405 |
| Pretax return on assets | 1.7934% | 987 |
| Return on Equity (ROE) | 10.2873% | 2,249 |
| Retained earnings to average equity (ytd only) | 10.2873% | 970 |
| Net charge-offs to loans | -0.0126% | 4,318 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4785% | 4,269 |
| Assets per employee ($millions) | 5.3569% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 1,462 |
| Loan loss allowance to noncurrent loans | 92.8402% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.9787% | 1,427 |
| Noncurrent loans to loans | 1.5760% | 1,008 |
| Net loans and leases to total assets | 60.2154% | 3,687 |
| Net loans and leases to deposits | 71.1267% | 3,676 |
| Net loans and leases to core deposits | 73.6505% | 3,815 |
| Total domestic deposits to total assets | 84.6594% | 2,795 |
| Equity capital to assets | 13.9253% | 1,070 |
| Core capital (leverage) ratio | 13.3333% | 1,137 |
| Tier 1 risk-based capital ratio | 22.8337% | 954 |
| Total risk-based capital ratio | 24.0869% | 929 |
| Memoranda: | ||
| Average total assets | $262,294,500 | 2,425 |
| Average earning assets | $242,804,500 | 2,430 |
| Average equity | $35,733,500 | 2,110 |
| Average total loans | $158,947,000 | 2,568 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3320% | 2,995 |
| Cost of funding earning assets | 0.1115% | 5,264 |
| Net interest margin | 4.2206% | 1,349 |
| Noninterest income to average assets | 0.4266% | 3,263 |
| Noninterest expense to average assets | 2.2853% | 4,156 |
| Loan and lease loss provision to assets | 0.1271% | 1,726 |
| Net operating income to assets | 1.5464% | 1,002 |
| Return on assets (ROA) | 1.5464% | 996 |
| Pretax return on assets | 1.9218% | 675 |
| Return on Equity (ROE) | 11.9159% | 1,745 |
| Retained earnings to average equity (ytd only) | 8.5186% | 1,041 |
| Net charge-offs to loans | 0.0360% | 2,681 |
| Credit loss provision to net charge-offs | 589.2857% | 600 |
| Earnings coverage of net charge-offs (x) | 95.0179% | 763 |
| Efficiency ratio | 52.7274% | 4,740 |
| Assets per employee ($millions) | 5.6979% | 1,774 |
| Cash dividends to net income (ytd only)* | 28.5110% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 1,432 |
| Loan loss allowance to noncurrent loans | 137.2678% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7127% | 1,943 |
| Noncurrent loans to loans | 1.0597% | 1,542 |
| Net loans and leases to total assets | 59.2130% | 3,844 |
| Net loans and leases to deposits | 69.4046% | 3,869 |
| Net loans and leases to core deposits | 71.9480% | 3,991 |
| Total domestic deposits to total assets | 85.3157% | 2,509 |
| Equity capital to assets | 13.3211% | 1,213 |
| Core capital (leverage) ratio | 12.7045% | 1,371 |
| Tier 1 risk-based capital ratio | 22.2105% | 1,000 |
| Total risk-based capital ratio | 23.4631% | 979 |
| Memoranda: | ||
| Average total assets | $259,707,400 | 2,402 |
| Average earning assets | $240,441,200 | 2,406 |
| Average equity | $33,702,800 | 2,126 |
| Average total loans | $155,531,200 | 2,575 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 3,029 |
| Cost of funding earning assets | 0.1105% | 5,327 |
| Net interest margin | 4.1722% | 1,439 |
| Noninterest income to average assets | 0.4276% | 3,303 |
| Noninterest expense to average assets | 2.2554% | 4,204 |
| Loan and lease loss provision to assets | 0.1441% | 1,380 |
| Net operating income to assets | 1.4706% | 1,271 |
| Return on assets (ROA) | 1.4706% | 1,271 |
| Pretax return on assets | 1.8947% | 826 |
| Return on Equity (ROE) | 11.4090% | 2,013 |
| Retained earnings to average equity (ytd only) | 11.4090% | 572 |
| Net charge-offs to loans | -0.0034% | 4,156 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5225% | 4,757 |
| Assets per employee ($millions) | 5.1490% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 1,485 |
| Loan loss allowance to noncurrent loans | 122.9167% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 2,040 |
| Noncurrent loans to loans | 1.1891% | 1,424 |
| Net loans and leases to total assets | 59.0762% | 3,942 |
| Net loans and leases to deposits | 69.2243% | 3,976 |
| Net loans and leases to core deposits | 71.6828% | 4,098 |
| Total domestic deposits to total assets | 85.3403% | 2,469 |
| Equity capital to assets | 13.1258% | 1,279 |
| Core capital (leverage) ratio | 12.9579% | 1,302 |
| Tier 1 risk-based capital ratio | 22.1743% | 1,030 |
| Total risk-based capital ratio | 23.4271% | 1,009 |
| Memoranda: | ||
| Average total assets | $259,108,500 | 2,419 |
| Average earning assets | $240,124,500 | 2,422 |
| Average equity | $33,399,750 | 2,141 |
| Average total loans | $155,041,500 | 2,595 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 2,871 |
| Cost of funding earning assets | 0.1112% | 5,376 |
| Net interest margin | 4.1586% | 1,384 |
| Noninterest income to average assets | 0.4389% | 3,227 |
| Noninterest expense to average assets | 2.2423% | 4,273 |
| Loan and lease loss provision to assets | 0.1163% | 1,708 |
| Net operating income to assets | 1.5034% | 1,155 |
| Return on assets (ROA) | 1.5034% | 1,152 |
| Pretax return on assets | 1.9353% | 709 |
| Return on Equity (ROE) | 11.7360% | 1,826 |
| Retained earnings to average equity (ytd only) | 11.7360% | 558 |
| Net charge-offs to loans | -0.0104% | 4,333 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2210% | 4,866 |
| Assets per employee ($millions) | 5.0026% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 1,729 |
| Loan loss allowance to noncurrent loans | 126.5852% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 2,209 |
| Noncurrent loans to loans | 1.1101% | 1,588 |
| Net loans and leases to total assets | 58.6914% | 3,926 |
| Net loans and leases to deposits | 68.6426% | 3,973 |
| Net loans and leases to core deposits | 70.8711% | 4,090 |
| Total domestic deposits to total assets | 85.5029% | 2,494 |
| Equity capital to assets | 13.0032% | 1,291 |
| Core capital (leverage) ratio | 12.7139% | 1,343 |
| Tier 1 risk-based capital ratio | 22.0836% | 1,026 |
| Total risk-based capital ratio | 23.3363% | 1,011 |
| Memoranda: | ||
| Average total assets | $257,945,330 | 2,441 |
| Average earning assets | $239,118,670 | 2,438 |
| Average equity | $33,043,670 | 2,169 |
| Average total loans | $154,244,000 | 2,615 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 2,766 |
| Cost of funding earning assets | 0.1110% | 5,428 |
| Net interest margin | 4.1238% | 1,380 |
| Noninterest income to average assets | 0.3769% | 3,610 |
| Noninterest expense to average assets | 2.1927% | 4,439 |
| Loan and lease loss provision to assets | 0.1557% | 1,162 |
| Net operating income to assets | 1.4452% | 1,207 |
| Return on assets (ROA) | 1.4452% | 1,214 |
| Pretax return on assets | 1.8470% | 832 |
| Return on Equity (ROE) | 11.3682% | 1,820 |
| Retained earnings to average equity (ytd only) | 11.3682% | 808 |
| Net charge-offs to loans | -0.0104% | 4,266 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2643% | 4,938 |
| Assets per employee ($millions) | 5.1848% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 2,025 |
| Loan loss allowance to noncurrent loans | 118.4916% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 1,971 |
| Noncurrent loans to loans | 1.1385% | 1,607 |
| Net loans and leases to total assets | 59.8318% | 3,765 |
| Net loans and leases to deposits | 69.6532% | 3,816 |
| Net loans and leases to core deposits | 72.0836% | 3,951 |
| Total domestic deposits to total assets | 85.8996% | 2,589 |
| Equity capital to assets | 12.6674% | 1,397 |
| Core capital (leverage) ratio | 12.4973% | 1,391 |
| Tier 1 risk-based capital ratio | 21.2848% | 1,161 |
| Total risk-based capital ratio | 22.5367% | 1,130 |
| Memoranda: | ||
| Average total assets | $256,850,500 | 2,466 |
| Average earning assets | $237,841,000 | 2,471 |
| Average equity | $32,652,500 | 2,196 |
| Average total loans | $153,939,500 | 2,644 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1627% | 2,826 |
| Cost of funding earning assets | 0.1109% | 5,453 |
| Net interest margin | 4.0518% | 1,584 |
| Noninterest income to average assets | 0.4385% | 3,386 |
| Noninterest expense to average assets | 2.4062% | 4,059 |
| Loan and lease loss provision to assets | 0.0926% | 2,350 |
| Net operating income to assets | 1.0643% | 1,996 |
| Return on assets (ROA) | 1.0635% | 2,026 |
| Pretax return on assets | 1.6840% | 1,046 |
| Return on Equity (ROE) | 8.1206% | 2,743 |
| Retained earnings to average equity (ytd only) | 5.4201% | 1,859 |
| Net charge-offs to loans | 0.0156% | 3,571 |
| Credit loss provision to net charge-offs | 1,022.7273% | 349 |
| Earnings coverage of net charge-offs (x) | 196.2727% | 405 |
| Efficiency ratio | 57.5084% | 4,587 |
| Assets per employee ($millions) | 5.0892% | 2,370 |
| Cash dividends to net income (ytd only)* | 33.2559% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 2,024 |
| Loan loss allowance to noncurrent loans | 135.6183% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 2,220 |
| Noncurrent loans to loans | 0.9877% | 1,792 |
| Net loans and leases to total assets | 58.4105% | 3,974 |
| Net loans and leases to deposits | 68.0036% | 4,028 |
| Net loans and leases to core deposits | 69.6100% | 4,197 |
| Total domestic deposits to total assets | 85.8933% | 2,489 |
| Equity capital to assets | 12.7587% | 1,374 |
| Core capital (leverage) ratio | 12.1721% | 1,517 |
| Tier 1 risk-based capital ratio | 21.2735% | 1,101 |
| Total risk-based capital ratio | 22.5253% | 1,078 |
| Memoranda: | ||
| Average total assets | $242,872,800 | 2,542 |
| Average earning assets | $224,518,800 | 2,552 |
| Average equity | $31,807,800 | 2,231 |
| Average total loans | $141,138,600 | 2,762 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 2,718 |
| Cost of funding earning assets | 0.1119% | 5,511 |
| Net interest margin | 4.0567% | 1,516 |
| Noninterest income to average assets | 0.4361% | 3,434 |
| Noninterest expense to average assets | 2.3641% | 4,109 |
| Loan and lease loss provision to assets | 0.0972% | 2,162 |
| Net operating income to assets | 1.2068% | 1,664 |
| Return on assets (ROA) | 1.2068% | 1,698 |
| Pretax return on assets | 1.7212% | 1,072 |
| Return on Equity (ROE) | 9.1518% | 2,522 |
| Retained earnings to average equity (ytd only) | 9.1518% | 800 |
| Net charge-offs to loans | 0.0163% | 3,192 |
| Credit loss provision to net charge-offs | 1,029.4118% | 348 |
| Earnings coverage of net charge-offs (x) | 192.4963% | 451 |
| Efficiency ratio | 56.5223% | 4,675 |
| Assets per employee ($millions) | 4.9864% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 2,044 |
| Loan loss allowance to noncurrent loans | 134.1033% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 2,382 |
| Noncurrent loans to loans | 1.0188% | 1,907 |
| Net loans and leases to total assets | 57.1569% | 4,139 |
| Net loans and leases to deposits | 67.0066% | 4,181 |
| Net loans and leases to core deposits | 68.1256% | 4,356 |
| Total domestic deposits to total assets | 85.3004% | 2,598 |
| Equity capital to assets | 13.2020% | 1,293 |
| Core capital (leverage) ratio | 12.8769% | 1,260 |
| Tier 1 risk-based capital ratio | 22.5205% | 993 |
| Total risk-based capital ratio | 23.7720% | 979 |
| Memoranda: | ||
| Average total assets | $239,975,750 | 2,582 |
| Average earning assets | $221,619,250 | 2,591 |
| Average equity | $31,643,250 | 2,254 |
| Average total loans | $138,760,750 | 2,818 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1594% | 2,632 |
| Cost of funding earning assets | 0.1135% | 5,543 |
| Net interest margin | 4.0459% | 1,473 |
| Noninterest income to average assets | 0.4357% | 3,450 |
| Noninterest expense to average assets | 2.3482% | 4,214 |
| Loan and lease loss provision to assets | 0.0844% | 2,296 |
| Net operating income to assets | 1.2294% | 1,505 |
| Return on assets (ROA) | 1.2294% | 1,540 |
| Pretax return on assets | 1.7352% | 974 |
| Return on Equity (ROE) | 9.3276% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.3276% | 751 |
| Net charge-offs to loans | -0.0205% | 4,793 |
| Credit loss provision to net charge-offs | -714.2857% | 4,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3412% | 4,790 |
| Assets per employee ($millions) | 4.3913% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 2,101 |
| Loan loss allowance to noncurrent loans | 257.6769% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 3,384 |
| Noncurrent loans to loans | 0.5289% | 3,174 |
| Net loans and leases to total assets | 57.8330% | 4,056 |
| Net loans and leases to deposits | 67.8882% | 4,084 |
| Net loans and leases to core deposits | 68.9788% | 4,300 |
| Total domestic deposits to total assets | 85.1886% | 2,737 |
| Equity capital to assets | 13.3466% | 1,206 |
| Core capital (leverage) ratio | 12.9805% | 1,183 |
| Tier 1 risk-based capital ratio | 22.5295% | 990 |
| Total risk-based capital ratio | 23.7810% | 975 |
| Memoranda: | ||
| Average total assets | $236,861,330 | 2,624 |
| Average earning assets | $218,494,670 | 2,623 |
| Average equity | $31,219,330 | 2,276 |
| Average total loans | $136,855,330 | 2,848 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 2,668 |
| Cost of funding earning assets | 0.1183% | 5,572 |
| Net interest margin | 3.9768% | 1,535 |
| Noninterest income to average assets | 0.4298% | 3,450 |
| Noninterest expense to average assets | 2.3639% | 4,216 |
| Loan and lease loss provision to assets | 0.0426% | 2,947 |
| Net operating income to assets | 1.2143% | 1,475 |
| Return on assets (ROA) | 1.2143% | 1,511 |
| Pretax return on assets | 1.6919% | 1,030 |
| Return on Equity (ROE) | 9.2734% | 2,286 |
| Retained earnings to average equity (ytd only) | 9.2734% | 993 |
| Net charge-offs to loans | -0.0089% | 4,373 |
| Credit loss provision to net charge-offs | -833.3333% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6779% | 4,752 |
| Assets per employee ($millions) | 4.8298% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 2,287 |
| Loan loss allowance to noncurrent loans | 322.7671% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 3,738 |
| Noncurrent loans to loans | 0.4198% | 3,590 |
| Net loans and leases to total assets | 56.6945% | 4,102 |
| Net loans and leases to deposits | 66.5496% | 4,128 |
| Net loans and leases to core deposits | 68.0710% | 4,293 |
| Total domestic deposits to total assets | 85.1913% | 3,008 |
| Equity capital to assets | 13.1802% | 1,194 |
| Core capital (leverage) ratio | 12.8196% | 1,208 |
| Tier 1 risk-based capital ratio | 22.7636% | 1,003 |
| Total risk-based capital ratio | 24.0152% | 986 |
| Memoranda: | ||
| Average total assets | $234,530,500 | 2,664 |
| Average earning assets | $216,357,000 | 2,676 |
| Average equity | $30,711,500 | 2,318 |
| Average total loans | $134,478,000 | 2,896 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0238% | 3,116 |
| Cost of funding earning assets | 0.1210% | 5,608 |
| Net interest margin | 3.9028% | 1,954 |
| Noninterest income to average assets | 0.4297% | 3,681 |
| Noninterest expense to average assets | 2.3416% | 4,446 |
| Loan and lease loss provision to assets | 0.1617% | 1,529 |
| Net operating income to assets | 1.1175% | 1,832 |
| Return on assets (ROA) | 1.1657% | 1,722 |
| Pretax return on assets | 1.5877% | 1,322 |
| Return on Equity (ROE) | 9.0176% | 2,407 |
| Retained earnings to average equity (ytd only) | 6.6612% | 1,378 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1757% | 4,825 |
| Assets per employee ($millions) | 4.6481% | 2,885 |
| Cash dividends to net income (ytd only)* | 26.1314% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 2,234 |
| Loan loss allowance to noncurrent loans | 215.6770% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 3,305 |
| Noncurrent loans to loans | 0.6334% | 2,955 |
| Net loans and leases to total assets | 56.4214% | 4,224 |
| Net loans and leases to deposits | 66.0649% | 4,240 |
| Net loans and leases to core deposits | 67.2574% | 4,450 |
| Total domestic deposits to total assets | 85.4029% | 2,875 |
| Equity capital to assets | 13.0080% | 1,255 |
| Core capital (leverage) ratio | 12.5623% | 1,312 |
| Tier 1 risk-based capital ratio | 22.3919% | 1,032 |
| Total risk-based capital ratio | 23.6431% | 1,010 |
| Memoranda: | ||
| Average total assets | $235,055,400 | 2,617 |
| Average earning assets | $216,536,600 | 2,632 |
| Average equity | $30,385,000 | 2,324 |
| Average total loans | $124,186,800 | 3,006 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 3,162 |
| Cost of funding earning assets | 0.1222% | 5,666 |
| Net interest margin | 3.8945% | 1,993 |
| Noninterest income to average assets | 0.4276% | 3,712 |
| Noninterest expense to average assets | 2.3106% | 4,511 |
| Loan and lease loss provision to assets | 0.1867% | 1,171 |
| Net operating income to assets | 1.1026% | 1,985 |
| Return on assets (ROA) | 1.1460% | 1,931 |
| Pretax return on assets | 1.5781% | 1,439 |
| Return on Equity (ROE) | 8.8789% | 2,565 |
| Retained earnings to average equity (ytd only) | 8.8789% | 856 |
| Net charge-offs to loans | -0.0131% | 4,871 |
| Credit loss provision to net charge-offs | -2,750.0000% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5352% | 4,888 |
| Assets per employee ($millions) | 4.9418% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 2,357 |
| Loan loss allowance to noncurrent loans | 178.2347% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 3,257 |
| Noncurrent loans to loans | 0.7668% | 2,753 |
| Net loans and leases to total assets | 54.0672% | 4,488 |
| Net loans and leases to deposits | 63.5537% | 4,517 |
| Net loans and leases to core deposits | 64.5108% | 4,698 |
| Total domestic deposits to total assets | 85.0732% | 2,772 |
| Equity capital to assets | 13.3956% | 1,290 |
| Core capital (leverage) ratio | 12.5584% | 1,374 |
| Tier 1 risk-based capital ratio | 22.1670% | 1,119 |
| Total risk-based capital ratio | 23.4182% | 1,098 |
| Memoranda: | ||
| Average total assets | $235,718,500 | 2,625 |
| Average earning assets | $217,191,000 | 2,633 |
| Average equity | $30,423,500 | 2,338 |
| Average total loans | $121,998,250 | 3,037 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 3,120 |
| Cost of funding earning assets | 0.1233% | 5,737 |
| Net interest margin | 3.9115% | 1,940 |
| Noninterest income to average assets | 0.4370% | 3,621 |
| Noninterest expense to average assets | 2.2889% | 4,641 |
| Loan and lease loss provision to assets | 0.2806% | 656 |
| Net operating income to assets | 1.0744% | 2,071 |
| Return on assets (ROA) | 1.1104% | 2,041 |
| Pretax return on assets | 1.5305% | 1,586 |
| Return on Equity (ROE) | 8.7145% | 2,630 |
| Retained earnings to average equity (ytd only) | 8.7145% | 934 |
| Net charge-offs to loans | -0.0151% | 4,840 |
| Credit loss provision to net charge-offs | -3,666.6667% | 5,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5071% | 5,084 |
| Assets per employee ($millions) | 4.8564% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 2,084 |
| Loan loss allowance to noncurrent loans | 130.1541% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.7173% | 2,825 |
| Noncurrent loans to loans | 1.1105% | 2,075 |
| Net loans and leases to total assets | 51.8936% | 4,686 |
| Net loans and leases to deposits | 61.0177% | 4,730 |
| Net loans and leases to core deposits | 62.2431% | 4,868 |
| Total domestic deposits to total assets | 85.0467% | 2,857 |
| Equity capital to assets | 13.4621% | 1,254 |
| Core capital (leverage) ratio | 12.2307% | 1,506 |
| Tier 1 risk-based capital ratio | 22.3108% | 1,104 |
| Total risk-based capital ratio | 23.5624% | 1,087 |
| Memoranda: | ||
| Average total assets | $235,223,000 | 2,637 |
| Average earning assets | $217,309,000 | 2,645 |
| Average equity | $29,973,000 | 2,370 |
| Average total loans | $119,322,000 | 3,089 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7597% | 4,100 |
| Cost of funding earning assets | 0.1263% | 5,779 |
| Net interest margin | 3.6334% | 2,947 |
| Noninterest income to average assets | 0.4317% | 3,603 |
| Noninterest expense to average assets | 2.3142% | 4,618 |
| Loan and lease loss provision to assets | 0.1354% | 1,554 |
| Net operating income to assets | 0.9368% | 2,571 |
| Return on assets (ROA) | 1.0056% | 2,367 |
| Pretax return on assets | 1.4407% | 1,776 |
| Return on Equity (ROE) | 8.1178% | 2,845 |
| Retained earnings to average equity (ytd only) | 8.1178% | 1,408 |
| Net charge-offs to loans | -0.0408% | 5,227 |
| Credit loss provision to net charge-offs | -666.6667% | 4,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0268% | 4,598 |
| Assets per employee ($millions) | 5.0060% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 3,051 |
| Loan loss allowance to noncurrent loans | 50.8661% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 1.4124% | 1,467 |
| Noncurrent loans to loans | 2.4996% | 754 |
| Net loans and leases to total assets | 50.3965% | 4,771 |
| Net loans and leases to deposits | 58.6336% | 4,809 |
| Net loans and leases to core deposits | 59.5596% | 4,968 |
| Total domestic deposits to total assets | 85.9516% | 2,689 |
| Equity capital to assets | 12.6505% | 1,588 |
| Core capital (leverage) ratio | 11.8981% | 1,680 |
| Tier 1 risk-based capital ratio | 19.9415% | 1,511 |
| Total risk-based capital ratio | 21.0492% | 1,513 |
| Memoranda: | ||
| Average total assets | $236,281,500 | 2,642 |
| Average earning assets | $218,529,500 | 2,642 |
| Average equity | $29,269,000 | 2,419 |
| Average total loans | $117,612,500 | 3,124 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8533% | 3,871 |
| Cost of funding earning assets | 0.1395% | 5,755 |
| Net interest margin | 3.7138% | 2,701 |
| Noninterest income to average assets | 0.4504% | 3,661 |
| Noninterest expense to average assets | 2.5805% | 3,991 |
| Loan and lease loss provision to assets | 0.1429% | 1,661 |
| Net operating income to assets | 0.8886% | 2,935 |
| Return on assets (ROA) | 0.8894% | 3,011 |
| Pretax return on assets | 1.1435% | 2,869 |
| Return on Equity (ROE) | 7.3619% | 3,328 |
| Retained earnings to average equity (ytd only) | 5.2720% | 2,227 |
| Net charge-offs to loans | 0.0074% | 4,186 |
| Credit loss provision to net charge-offs | 3,928.5714% | 94 |
| Earnings coverage of net charge-offs (x) | 353.4286% | 194 |
| Efficiency ratio | 66.7518% | 3,787 |
| Assets per employee ($millions) | 5.0486% | 2,307 |
| Cash dividends to net income (ytd only)* | 28.3879% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 3,190 |
| Loan loss allowance to noncurrent loans | 201.9691% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 3,875 |
| Noncurrent loans to loans | 0.6176% | 3,331 |
| Net loans and leases to total assets | 47.9128% | 5,018 |
| Net loans and leases to deposits | 55.3134% | 5,085 |
| Net loans and leases to core deposits | 56.1721% | 5,193 |
| Total domestic deposits to total assets | 86.6206% | 2,314 |
| Equity capital to assets | 12.1264% | 1,864 |
| Core capital (leverage) ratio | 11.4102% | 2,035 |
| Tier 1 risk-based capital ratio | 22.1764% | 1,124 |
| Total risk-based capital ratio | 23.3586% | 1,104 |
| Memoranda: | ||
| Average total assets | $192,482,800 | 3,016 |
| Average earning assets | $177,015,800 | 3,028 |
| Average equity | $23,254,800 | 2,853 |
| Average total loans | $95,003,000 | 3,475 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 4,228 |
| Cost of funding earning assets | 0.1402% | 5,847 |
| Net interest margin | 3.6183% | 3,089 |
| Noninterest income to average assets | 0.4884% | 3,452 |
| Noninterest expense to average assets | 2.6146% | 3,819 |
| Loan and lease loss provision to assets | 0.0919% | 2,332 |
| Net operating income to assets | 0.7884% | 3,485 |
| Return on assets (ROA) | 0.7884% | 3,573 |
| Pretax return on assets | 1.1040% | 3,213 |
| Return on Equity (ROE) | 6.5339% | 3,885 |
| Retained earnings to average equity (ytd only) | 5.3149% | 2,709 |
| Net charge-offs to loans | 0.0385% | 3,123 |
| Credit loss provision to net charge-offs | 480.7692% | 674 |
| Earnings coverage of net charge-offs (x) | 62.5310% | 890 |
| Efficiency ratio | 68.6161% | 3,433 |
| Assets per employee ($millions) | 4.9295% | 2,386 |
| Cash dividends to net income (ytd only)* | 18.6567% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1115% | 4,159 |
| Loan loss allowance to noncurrent loans | 122.3188% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 3,567 |
| Noncurrent loans to loans | 0.9087% | 2,702 |
| Net loans and leases to total assets | 47.6031% | 5,112 |
| Net loans and leases to deposits | 55.0055% | 5,183 |
| Net loans and leases to core deposits | 55.9317% | 5,311 |
| Total domestic deposits to total assets | 86.5424% | 2,257 |
| Equity capital to assets | 12.1052% | 2,024 |
| Core capital (leverage) ratio | 13.3467% | 1,071 |
| Tier 1 risk-based capital ratio | 21.7246% | 1,233 |
| Total risk-based capital ratio | 22.7771% | 1,242 |
| Memoranda: | ||
| Average total assets | $181,282,750 | 3,175 |
| Average earning assets | $166,447,250 | 3,196 |
| Average equity | $21,875,000 | 3,004 |
| Average total loans | $89,972,500 | 3,623 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8500% | 3,869 |
| Cost of funding earning assets | 0.1404% | 5,917 |
| Net interest margin | 3.7097% | 2,668 |
| Noninterest income to average assets | 0.5466% | 3,062 |
| Noninterest expense to average assets | 2.7487% | 3,418 |
| Loan and lease loss provision to assets | 0.0307% | 3,512 |
| Net operating income to assets | 0.8598% | 3,083 |
| Return on assets (ROA) | 0.8598% | 3,188 |
| Pretax return on assets | 1.1754% | 2,877 |
| Return on Equity (ROE) | 7.1359% | 3,536 |
| Retained earnings to average equity (ytd only) | 7.1359% | 1,645 |
| Net charge-offs to loans | -0.0073% | 4,845 |
| Credit loss provision to net charge-offs | -833.3333% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5031% | 3,415 |
| Assets per employee ($millions) | 5.1945% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 2,875 |
| Loan loss allowance to noncurrent loans | 271.5909% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 4,688 |
| Noncurrent loans to loans | 0.5062% | 3,940 |
| Net loans and leases to total assets | 51.5729% | 4,797 |
| Net loans and leases to deposits | 59.7796% | 4,868 |
| Net loans and leases to core deposits | 60.9649% | 5,011 |
| Total domestic deposits to total assets | 86.2716% | 2,545 |
| Equity capital to assets | 11.9104% | 2,096 |
| Core capital (leverage) ratio | 11.7050% | 1,835 |
| Tier 1 risk-based capital ratio | 23.0359% | 1,076 |
| Total risk-based capital ratio | 24.2880% | 1,053 |
| Memoranda: | ||
| Average total assets | $162,838,000 | 3,457 |
| Average earning assets | $149,609,670 | 3,461 |
| Average equity | $19,619,000 | 3,258 |
| Average total loans | $81,995,670 | 3,826 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7252% | 4,274 |
| Cost of funding earning assets | 0.1408% | 5,991 |
| Net interest margin | 3.5845% | 3,062 |
| Noninterest income to average assets | 0.3823% | 4,143 |
| Noninterest expense to average assets | 2.6014% | 3,915 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8042% | 3,237 |
| Return on assets (ROA) | 0.8042% | 3,359 |
| Pretax return on assets | 1.0674% | 3,229 |
| Return on Equity (ROE) | 6.6361% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.6361% | 2,171 |
| Net charge-offs to loans | 0.0050% | 3,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 430.0000% | 124 |
| Efficiency ratio | 70.9066% | 3,333 |
| Assets per employee ($millions) | 5.0205% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 2,671 |
| Loan loss allowance to noncurrent loans | 256.8282% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 4,634 |
| Noncurrent loans to loans | 0.5649% | 3,895 |
| Net loans and leases to total assets | 47.8056% | 5,054 |
| Net loans and leases to deposits | 55.3957% | 5,088 |
| Net loans and leases to core deposits | 56.7492% | 5,202 |
| Total domestic deposits to total assets | 86.2985% | 2,769 |
| Equity capital to assets | 11.9584% | 2,058 |
| Core capital (leverage) ratio | 11.9362% | 1,678 |
| Tier 1 risk-based capital ratio | 23.8079% | 1,013 |
| Total risk-based capital ratio | 25.0598% | 999 |
| Memoranda: | ||
| Average total assets | $161,144,500 | 3,492 |
| Average earning assets | $147,748,500 | 3,506 |
| Average equity | $19,529,500 | 3,287 |
| Average total loans | $79,532,500 | 3,909 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0980% | 3,337 |
| Cost of funding earning assets | 0.2090% | 5,674 |
| Net interest margin | 3.8891% | 2,282 |
| Noninterest income to average assets | 0.5652% | 3,089 |
| Noninterest expense to average assets | 2.7189% | 3,798 |
| Loan and lease loss provision to assets | 0.0841% | 2,800 |
| Net operating income to assets | 0.9809% | 2,478 |
| Return on assets (ROA) | 0.9985% | 2,465 |
| Pretax return on assets | 1.3040% | 2,230 |
| Return on Equity (ROE) | 8.1242% | 3,065 |
| Retained earnings to average equity (ytd only) | 5.3869% | 2,341 |
| Net charge-offs to loans | 0.0767% | 3,387 |
| Credit loss provision to net charge-offs | 219.2982% | 1,139 |
| Earnings coverage of net charge-offs (x) | 35.5965% | 1,187 |
| Efficiency ratio | 66.5733% | 4,139 |
| Assets per employee ($millions) | 4.8942% | 2,467 |
| Cash dividends to net income (ytd only)* | 33.6927% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 2,553 |
| Loan loss allowance to noncurrent loans | 216.5121% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.5357% | 4,011 |
| Noncurrent loans to loans | 0.6849% | 3,631 |
| Net loans and leases to total assets | 49.5039% | 5,017 |
| Net loans and leases to deposits | 57.6012% | 5,092 |
| Net loans and leases to core deposits | 59.5642% | 5,170 |
| Total domestic deposits to total assets | 85.9425% | 2,874 |
| Equity capital to assets | 12.2895% | 1,792 |
| Core capital (leverage) ratio | 12.0699% | 1,578 |
| Tier 1 risk-based capital ratio | 23.8419% | 973 |
| Total risk-based capital ratio | 25.0945% | 948 |
| Memoranda: | ||
| Average total assets | $148,624,600 | 3,652 |
| Average earning assets | $134,479,800 | 3,689 |
| Average equity | $18,266,400 | 3,371 |
| Average total loans | $74,314,600 | 4,045 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1120% | 3,329 |
| Cost of funding earning assets | 0.2234% | 5,638 |
| Net interest margin | 3.8886% | 2,289 |
| Noninterest income to average assets | 0.6001% | 2,869 |
| Noninterest expense to average assets | 2.7161% | 3,764 |
| Loan and lease loss provision to assets | 0.0864% | 2,623 |
| Net operating income to assets | 0.9701% | 2,594 |
| Return on assets (ROA) | 0.9930% | 2,543 |
| Pretax return on assets | 1.3421% | 2,228 |
| Return on Equity (ROE) | 8.0791% | 3,161 |
| Retained earnings to average equity (ytd only) | 8.0791% | 1,319 |
| Net charge-offs to loans | 0.1074% | 2,728 |
| Credit loss provision to net charge-offs | 161.0169% | 1,505 |
| Earnings coverage of net charge-offs (x) | 26.0524% | 1,493 |
| Efficiency ratio | 66.0256% | 4,213 |
| Assets per employee ($millions) | 4.6084% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 2,635 |
| Loan loss allowance to noncurrent loans | 130.7604% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.8660% | 3,258 |
| Noncurrent loans to loans | 1.1581% | 2,745 |
| Net loans and leases to total assets | 48.5402% | 5,144 |
| Net loans and leases to deposits | 56.9627% | 5,178 |
| Net loans and leases to core deposits | 59.6847% | 5,217 |
| Total domestic deposits to total assets | 85.2140% | 3,255 |
| Equity capital to assets | 12.3971% | 1,776 |
| Core capital (leverage) ratio | 12.4553% | 1,428 |
| Tier 1 risk-based capital ratio | 24.4051% | 941 |
| Total risk-based capital ratio | 25.6579% | 922 |
| Memoranda: | ||
| Average total assets | $146,627,250 | 3,715 |
| Average earning assets | $132,485,750 | 3,740 |
| Average equity | $18,021,250 | 3,415 |
| Average total loans | $73,219,000 | 4,107 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1308% | 3,226 |
| Cost of funding earning assets | 0.2376% | 5,608 |
| Net interest margin | 3.8932% | 2,196 |
| Noninterest income to average assets | 0.6864% | 2,351 |
| Noninterest expense to average assets | 2.8437% | 3,357 |
| Loan and lease loss provision to assets | 0.0345% | 3,598 |
| Net operating income to assets | 0.9778% | 2,421 |
| Return on assets (ROA) | 0.9778% | 2,497 |
| Pretax return on assets | 1.3162% | 2,195 |
| Return on Equity (ROE) | 7.9802% | 3,106 |
| Retained earnings to average equity (ytd only) | 7.9802% | 1,336 |
| Net charge-offs to loans | -0.0055% | 5,194 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7972% | 4,042 |
| Assets per employee ($millions) | 4.5128% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 2,870 |
| Loan loss allowance to noncurrent loans | 96.9854% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.9562% | 3,149 |
| Noncurrent loans to loans | 1.5527% | 2,232 |
| Net loans and leases to total assets | 49.4527% | 5,022 |
| Net loans and leases to deposits | 58.0077% | 5,041 |
| Net loans and leases to core deposits | 61.3875% | 5,021 |
| Total domestic deposits to total assets | 85.2520% | 3,387 |
| Equity capital to assets | 12.4166% | 1,700 |
| Core capital (leverage) ratio | 12.6990% | 1,286 |
| Tier 1 risk-based capital ratio | 23.5508% | 1,039 |
| Total risk-based capital ratio | 24.8028% | 1,019 |
| Memoranda: | ||
| Average total assets | $144,811,000 | 3,763 |
| Average earning assets | $130,482,330 | 3,799 |
| Average equity | $17,744,000 | 3,445 |
| Average total loans | $72,641,000 | 4,142 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1563% | 3,048 |
| Cost of funding earning assets | 0.2527% | 5,552 |
| Net interest margin | 3.9035% | 2,072 |
| Noninterest income to average assets | 0.4847% | 3,530 |
| Noninterest expense to average assets | 2.8692% | 3,316 |
| Loan and lease loss provision to assets | 0.0700% | 2,731 |
| Net operating income to assets | 0.7874% | 3,213 |
| Return on assets (ROA) | 0.7874% | 3,290 |
| Pretax return on assets | 1.0507% | 3,132 |
| Return on Equity (ROE) | 6.4707% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.4707% | 2,302 |
| Net charge-offs to loans | -0.0112% | 5,093 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9101% | 3,500 |
| Assets per employee ($millions) | 4.3807% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 2,836 |
| Loan loss allowance to noncurrent loans | 115.2508% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.9975% | 3,274 |
| Noncurrent loans to loans | 1.3619% | 2,759 |
| Net loans and leases to total assets | 48.8444% | 5,021 |
| Net loans and leases to deposits | 57.0751% | 5,026 |
| Net loans and leases to core deposits | 60.3652% | 5,004 |
| Total domestic deposits to total assets | 85.5793% | 3,570 |
| Equity capital to assets | 12.2521% | 1,714 |
| Core capital (leverage) ratio | 12.6741% | 1,309 |
| Tier 1 risk-based capital ratio | 23.8044% | 1,034 |
| Total risk-based capital ratio | 25.0576% | 1,012 |
| Memoranda: | ||
| Average total assets | $142,755,500 | 3,831 |
| Average earning assets | $128,192,000 | 3,885 |
| Average equity | $17,370,500 | 3,501 |
| Average total loans | $71,575,500 | 4,214 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 3,193 |
| Cost of funding earning assets | 0.2824% | 5,746 |
| Net interest margin | 3.9571% | 2,082 |
| Noninterest income to average assets | 0.7648% | 2,236 |
| Noninterest expense to average assets | 2.8216% | 3,648 |
| Loan and lease loss provision to assets | 0.0499% | 4,138 |
| Net operating income to assets | 1.1793% | 1,649 |
| Return on assets (ROA) | 1.1793% | 1,707 |
| Pretax return on assets | 1.4618% | 1,576 |
| Return on Equity (ROE) | 9.5761% | 2,291 |
| Retained earnings to average equity (ytd only) | 6.6795% | 1,587 |
| Net charge-offs to loans | 0.0591% | 4,393 |
| Credit loss provision to net charge-offs | 166.6667% | 1,366 |
| Earnings coverage of net charge-offs (x) | 50.4524% | 787 |
| Efficiency ratio | 65.1136% | 4,709 |
| Assets per employee ($millions) | 4.2712% | 3,314 |
| Cash dividends to net income (ytd only)* | 30.2480% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 3,012 |
| Loan loss allowance to noncurrent loans | 107.7451% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.0536% | 3,310 |
| Noncurrent loans to loans | 1.4283% | 2,746 |
| Net loans and leases to total assets | 49.8872% | 5,094 |
| Net loans and leases to deposits | 58.0938% | 5,114 |
| Net loans and leases to core deposits | 61.5432% | 5,101 |
| Total domestic deposits to total assets | 85.8735% | 3,326 |
| Equity capital to assets | 12.0818% | 1,749 |
| Core capital (leverage) ratio | 12.3834% | 1,412 |
| Tier 1 risk-based capital ratio | 23.3916% | 1,036 |
| Total risk-based capital ratio | 24.6439% | 1,015 |
| Memoranda: | ||
| Average total assets | $140,167,800 | 3,869 |
| Average earning assets | $126,407,200 | 3,920 |
| Average equity | $17,261,800 | 3,529 |
| Average total loans | $71,013,600 | 4,227 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 3,286 |
| Cost of funding earning assets | 0.2832% | 5,866 |
| Net interest margin | 3.9432% | 2,137 |
| Noninterest income to average assets | 0.4934% | 3,860 |
| Noninterest expense to average assets | 2.6643% | 4,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0297% | 2,260 |
| Return on assets (ROA) | 1.0297% | 2,340 |
| Pretax return on assets | 1.3840% | 1,981 |
| Return on Equity (ROE) | 8.3216% | 2,963 |
| Retained earnings to average equity (ytd only) | 8.3216% | 1,287 |
| Net charge-offs to loans | 0.0470% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 58.1242% | 772 |
| Efficiency ratio | 65.8118% | 4,520 |
| Assets per employee ($millions) | 4.4184% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 3,589 |
| Loan loss allowance to noncurrent loans | 66.1188% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.3410% | 2,958 |
| Noncurrent loans to loans | 2.2240% | 1,986 |
| Net loans and leases to total assets | 49.5714% | 5,185 |
| Net loans and leases to deposits | 57.8293% | 5,210 |
| Net loans and leases to core deposits | 61.1119% | 5,206 |
| Total domestic deposits to total assets | 85.7201% | 3,391 |
| Equity capital to assets | 12.1870% | 1,794 |
| Core capital (leverage) ratio | 12.5251% | 1,410 |
| Tier 1 risk-based capital ratio | 23.1324% | 1,121 |
| Total risk-based capital ratio | 24.3838% | 1,104 |
| Memoranda: | ||
| Average total assets | $139,972,750 | 3,914 |
| Average earning assets | $126,187,500 | 3,958 |
| Average equity | $17,320,000 | 3,559 |
| Average total loans | $70,913,500 | 4,265 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2290% | 3,246 |
| Cost of funding earning assets | 0.2840% | 5,952 |
| Net interest margin | 3.9449% | 2,063 |
| Noninterest income to average assets | 0.5075% | 3,780 |
| Noninterest expense to average assets | 2.6996% | 4,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0122% | 2,280 |
| Return on assets (ROA) | 1.0122% | 2,410 |
| Pretax return on assets | 1.3720% | 2,031 |
| Return on Equity (ROE) | 8.1385% | 3,022 |
| Retained earnings to average equity (ytd only) | 8.1385% | 1,424 |
| Net charge-offs to loans | -0.0141% | 5,857 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3028% | 4,493 |
| Assets per employee ($millions) | 4.2104% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 3,485 |
| Loan loss allowance to noncurrent loans | 74.4122% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.4164% | 2,978 |
| Noncurrent loans to loans | 2.0431% | 2,348 |
| Net loans and leases to total assets | 50.1627% | 5,095 |
| Net loans and leases to deposits | 58.4656% | 5,118 |
| Net loans and leases to core deposits | 62.0658% | 5,089 |
| Total domestic deposits to total assets | 85.7986% | 3,478 |
| Equity capital to assets | 12.1876% | 1,780 |
| Core capital (leverage) ratio | 12.4470% | 1,388 |
| Tier 1 risk-based capital ratio | 22.5561% | 1,198 |
| Total risk-based capital ratio | 23.8082% | 1,185 |
| Memoranda: | ||
| Average total assets | $139,501,000 | 3,959 |
| Average earning assets | $126,036,000 | 3,988 |
| Average equity | $17,349,670 | 3,569 |
| Average total loans | $70,840,000 | 4,282 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2080% | 3,275 |
| Cost of funding earning assets | 0.2848% | 6,074 |
| Net interest margin | 3.9233% | 2,040 |
| Noninterest income to average assets | 0.4607% | 4,045 |
| Noninterest expense to average assets | 2.7472% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9386% | 2,476 |
| Return on assets (ROA) | 0.9386% | 2,620 |
| Pretax return on assets | 1.2620% | 2,365 |
| Return on Equity (ROE) | 7.4726% | 3,231 |
| Retained earnings to average equity (ytd only) | 7.4726% | 1,953 |
| Net charge-offs to loans | -0.0056% | 5,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5225% | 4,216 |
| Assets per employee ($millions) | 4.4313% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 3,671 |
| Loan loss allowance to noncurrent loans | 68.8946% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.4288% | 3,123 |
| Noncurrent loans to loans | 2.2295% | 2,352 |
| Net loans and leases to total assets | 48.4619% | 5,178 |
| Net loans and leases to deposits | 56.5863% | 5,186 |
| Net loans and leases to core deposits | 59.8686% | 5,158 |
| Total domestic deposits to total assets | 85.6425% | 3,714 |
| Equity capital to assets | 12.4267% | 1,755 |
| Core capital (leverage) ratio | 12.1028% | 1,510 |
| Tier 1 risk-based capital ratio | 22.2873% | 1,278 |
| Total risk-based capital ratio | 23.5389% | 1,253 |
| Memoranda: | ||
| Average total assets | $139,779,500 | 3,990 |
| Average earning assets | $126,425,000 | 4,009 |
| Average equity | $17,557,500 | 3,584 |
| Average total loans | $70,873,000 | 4,313 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6252% | 2,898 |
| Cost of funding earning assets | 0.3685% | 6,114 |
| Net interest margin | 4.2567% | 1,506 |
| Noninterest income to average assets | 0.4876% | 3,981 |
| Noninterest expense to average assets | 2.7755% | 4,120 |
| Loan and lease loss provision to assets | 0.0528% | 5,145 |
| Net operating income to assets | 1.0967% | 1,944 |
| Return on assets (ROA) | 1.0967% | 2,129 |
| Pretax return on assets | 1.4696% | 1,781 |
| Return on Equity (ROE) | 8.4522% | 2,894 |
| Retained earnings to average equity (ytd only) | 5.5437% | 2,352 |
| Net charge-offs to loans | 0.0569% | 5,129 |
| Credit loss provision to net charge-offs | 170.7317% | 1,549 |
| Earnings coverage of net charge-offs (x) | 49.1951% | 686 |
| Efficiency ratio | 64.5767% | 4,784 |
| Assets per employee ($millions) | 4.1745% | 3,601 |
| Cash dividends to net income (ytd only)* | 34.4116% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 3,794 |
| Loan loss allowance to noncurrent loans | 81.9434% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.2899% | 3,497 |
| Noncurrent loans to loans | 1.8164% | 2,893 |
| Net loans and leases to total assets | 51.4551% | 4,981 |
| Net loans and leases to deposits | 60.1921% | 5,007 |
| Net loans and leases to core deposits | 63.5178% | 5,013 |
| Total domestic deposits to total assets | 85.4848% | 3,618 |
| Equity capital to assets | 12.6990% | 1,590 |
| Core capital (leverage) ratio | 12.1544% | 1,476 |
| Tier 1 risk-based capital ratio | 21.7776% | 1,307 |
| Total risk-based capital ratio | 23.0302% | 1,280 |
| Memoranda: | ||
| Average total assets | $132,482,400 | 4,098 |
| Average earning assets | $118,588,400 | 4,138 |
| Average equity | $17,190,800 | 3,588 |
| Average total loans | $72,102,200 | 4,273 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 2,826 |
| Cost of funding earning assets | 0.3810% | 6,221 |
| Net interest margin | 4.3139% | 1,430 |
| Noninterest income to average assets | 0.4757% | 4,096 |
| Noninterest expense to average assets | 2.8239% | 3,896 |
| Loan and lease loss provision to assets | 0.0712% | 4,780 |
| Net operating income to assets | 1.0003% | 2,495 |
| Return on assets (ROA) | 1.0003% | 2,727 |
| Pretax return on assets | 1.4363% | 2,128 |
| Return on Equity (ROE) | 7.6656% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.6656% | 1,773 |
| Net charge-offs to loans | 0.0370% | 5,131 |
| Credit loss provision to net charge-offs | 350.0000% | 768 |
| Earnings coverage of net charge-offs (x) | 74.1387% | 556 |
| Efficiency ratio | 65.1960% | 4,590 |
| Assets per employee ($millions) | 4.1959% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 3,916 |
| Loan loss allowance to noncurrent loans | 124.3736% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 1.0039% | 4,277 |
| Noncurrent loans to loans | 1.2134% | 4,026 |
| Net loans and leases to total assets | 53.0766% | 4,901 |
| Net loans and leases to deposits | 62.8709% | 4,862 |
| Net loans and leases to core deposits | 66.6305% | 4,881 |
| Total domestic deposits to total assets | 84.4217% | 4,021 |
| Equity capital to assets | 13.3582% | 1,408 |
| Core capital (leverage) ratio | 12.6400% | 1,346 |
| Tier 1 risk-based capital ratio | 21.7962% | 1,366 |
| Total risk-based capital ratio | 23.0488% | 1,342 |
| Memoranda: | ||
| Average total assets | $131,163,250 | 4,150 |
| Average earning assets | $117,229,750 | 4,213 |
| Average equity | $17,115,000 | 3,636 |
| Average total loans | $72,139,000 | 4,319 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 2,685 |
| Cost of funding earning assets | 0.3941% | 6,302 |
| Net interest margin | 4.3658% | 1,294 |
| Noninterest income to average assets | 0.5164% | 3,811 |
| Noninterest expense to average assets | 2.7865% | 4,068 |
| Loan and lease loss provision to assets | 0.0307% | 5,283 |
| Net operating income to assets | 1.1450% | 1,893 |
| Return on assets (ROA) | 1.1450% | 2,110 |
| Pretax return on assets | 1.5984% | 1,552 |
| Return on Equity (ROE) | 8.8473% | 2,877 |
| Retained earnings to average equity (ytd only) | 8.8473% | 1,326 |
| Net charge-offs to loans | -0.0111% | 6,298 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1048% | 5,063 |
| Assets per employee ($millions) | 3.9572% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 4,215 |
| Loan loss allowance to noncurrent loans | 156.9956% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.9006% | 4,574 |
| Noncurrent loans to loans | 0.9290% | 4,649 |
| Net loans and leases to total assets | 55.1514% | 4,604 |
| Net loans and leases to deposits | 65.1158% | 4,627 |
| Net loans and leases to core deposits | 69.2853% | 4,630 |
| Total domestic deposits to total assets | 84.6974% | 4,004 |
| Equity capital to assets | 13.3046% | 1,393 |
| Core capital (leverage) ratio | 12.6893% | 1,269 |
| Tier 1 risk-based capital ratio | 21.1402% | 1,456 |
| Total risk-based capital ratio | 22.3923% | 1,428 |
| Memoranda: | ||
| Average total assets | $130,127,670 | 4,206 |
| Average earning assets | $116,222,670 | 4,268 |
| Average equity | $16,841,330 | 3,672 |
| Average total loans | $72,066,000 | 4,350 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8268% | 2,537 |
| Cost of funding earning assets | 0.4103% | 6,354 |
| Net interest margin | 4.4165% | 1,188 |
| Noninterest income to average assets | 0.5266% | 3,724 |
| Noninterest expense to average assets | 2.7929% | 4,061 |
| Loan and lease loss provision to assets | 0.0308% | 4,983 |
| Net operating income to assets | 1.1948% | 1,754 |
| Return on assets (ROA) | 1.1948% | 1,937 |
| Pretax return on assets | 1.6474% | 1,440 |
| Return on Equity (ROE) | 9.3635% | 2,652 |
| Retained earnings to average equity (ytd only) | 9.3635% | 1,452 |
| Net charge-offs to loans | -0.0224% | 6,216 |
| Credit loss provision to net charge-offs | -250.0000% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4656% | 5,196 |
| Assets per employee ($millions) | 4.0143% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 4,288 |
| Loan loss allowance to noncurrent loans | 392.5651% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 5,443 |
| Noncurrent loans to loans | 0.3748% | 5,922 |
| Net loans and leases to total assets | 53.3815% | 4,825 |
| Net loans and leases to deposits | 62.3897% | 4,863 |
| Net loans and leases to core deposits | 66.1648% | 4,896 |
| Total domestic deposits to total assets | 85.5614% | 3,761 |
| Equity capital to assets | 12.6843% | 1,606 |
| Core capital (leverage) ratio | 12.3781% | 1,397 |
| Tier 1 risk-based capital ratio | 20.6301% | 1,554 |
| Total risk-based capital ratio | 21.8819% | 1,531 |
| Memoranda: | ||
| Average total assets | $129,898,500 | 4,232 |
| Average earning assets | $116,020,000 | 4,291 |
| Average equity | $16,575,000 | 3,720 |
| Average total loans | $71,556,000 | 4,396 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9863% | 2,942 |
| Cost of funding earning assets | 0.5636% | 6,273 |
| Net interest margin | 4.4226% | 1,337 |
| Noninterest income to average assets | 0.4078% | 4,555 |
| Noninterest expense to average assets | 2.8820% | 4,034 |
| Loan and lease loss provision to assets | 0.0203% | 6,314 |
| Net operating income to assets | 1.0932% | 1,861 |
| Return on assets (ROA) | 1.1017% | 1,939 |
| Pretax return on assets | 1.4609% | 1,593 |
| Return on Equity (ROE) | 8.6273% | 2,621 |
| Retained earnings to average equity (ytd only) | 5.4531% | 2,336 |
| Net charge-offs to loans | 0.0576% | 5,731 |
| Credit loss provision to net charge-offs | 60.9756% | 5,145 |
| Earnings coverage of net charge-offs (x) | 44.2195% | 622 |
| Efficiency ratio | 66.2258% | 4,725 |
| Assets per employee ($millions) | 3.8584% | 4,186 |
| Cash dividends to net income (ytd only)* | 36.7918% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 4,188 |
| Loan loss allowance to noncurrent loans | 376.1733% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 5,441 |
| Noncurrent loans to loans | 0.3883% | 5,935 |
| Net loans and leases to total assets | 55.2118% | 4,851 |
| Net loans and leases to deposits | 64.5472% | 4,932 |
| Net loans and leases to core deposits | 68.8517% | 4,926 |
| Total domestic deposits to total assets | 85.5371% | 3,573 |
| Equity capital to assets | 12.8387% | 1,580 |
| Core capital (leverage) ratio | 12.2026% | 1,495 |
| Tier 1 risk-based capital ratio | 20.3434% | 1,555 |
| Total risk-based capital ratio | 21.5942% | 1,532 |
| Memoranda: | ||
| Average total assets | $123,352,600 | 4,305 |
| Average earning assets | $110,002,000 | 4,395 |
| Average equity | $15,752,400 | 3,761 |
| Average total loans | $71,140,000 | 4,447 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0413% | 2,885 |
| Cost of funding earning assets | 0.6032% | 6,273 |
| Net interest margin | 4.4381% | 1,298 |
| Noninterest income to average assets | 0.4969% | 3,891 |
| Noninterest expense to average assets | 2.9693% | 3,674 |
| Loan and lease loss provision to assets | 0.0272% | 6,099 |
| Net operating income to assets | 0.9932% | 2,354 |
| Return on assets (ROA) | 1.0036% | 2,455 |
| Pretax return on assets | 1.4678% | 1,742 |
| Return on Equity (ROE) | 7.8697% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.8697% | 1,555 |
| Net charge-offs to loans | 0.0563% | 5,410 |
| Credit loss provision to net charge-offs | 83.3333% | 4,023 |
| Earnings coverage of net charge-offs (x) | 45.2655% | 699 |
| Efficiency ratio | 66.7401% | 4,578 |
| Assets per employee ($millions) | 3.8632% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 4,190 |
| Loan loss allowance to noncurrent loans | 96.2523% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 1.2951% | 4,219 |
| Noncurrent loans to loans | 1.5408% | 3,973 |
| Net loans and leases to total assets | 54.8692% | 5,017 |
| Net loans and leases to deposits | 64.2799% | 5,130 |
| Net loans and leases to core deposits | 68.5509% | 5,114 |
| Total domestic deposits to total assets | 85.3598% | 3,580 |
| Equity capital to assets | 12.8486% | 1,686 |
| Core capital (leverage) ratio | 12.6641% | 1,365 |
| Tier 1 risk-based capital ratio | 20.4468% | 1,574 |
| Total risk-based capital ratio | 21.6990% | 1,549 |
| Memoranda: | ||
| Average total assets | $122,359,250 | 4,356 |
| Average earning assets | $108,963,250 | 4,456 |
| Average equity | $15,603,750 | 3,802 |
| Average total loans | $71,089,750 | 4,486 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0677% | 2,844 |
| Cost of funding earning assets | 0.6390% | 6,278 |
| Net interest margin | 4.4287% | 1,296 |
| Noninterest income to average assets | 0.5106% | 3,773 |
| Noninterest expense to average assets | 2.8529% | 4,222 |
| Loan and lease loss provision to assets | 0.0414% | 5,789 |
| Net operating income to assets | 1.0593% | 2,006 |
| Return on assets (ROA) | 1.0593% | 2,103 |
| Pretax return on assets | 1.5682% | 1,335 |
| Return on Equity (ROE) | 8.3284% | 2,795 |
| Retained earnings to average equity (ytd only) | 8.3284% | 1,330 |
| Net charge-offs to loans | 0.0956% | 4,719 |
| Credit loss provision to net charge-offs | 73.5294% | 3,962 |
| Earnings coverage of net charge-offs (x) | 28.5588% | 959 |
| Efficiency ratio | 63.9302% | 5,254 |
| Assets per employee ($millions) | 3.5438% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 4,252 |
| Loan loss allowance to noncurrent loans | 296.3277% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7735% | 5,349 |
| Noncurrent loans to loans | 0.4964% | 5,911 |
| Net loans and leases to total assets | 58.3170% | 4,574 |
| Net loans and leases to deposits | 68.5506% | 4,628 |
| Net loans and leases to core deposits | 73.2087% | 4,684 |
| Total domestic deposits to total assets | 85.0715% | 3,846 |
| Equity capital to assets | 13.1748% | 1,436 |
| Core capital (leverage) ratio | 12.6576% | 1,302 |
| Tier 1 risk-based capital ratio | 20.2419% | 1,561 |
| Total risk-based capital ratio | 21.4938% | 1,538 |
| Memoranda: | ||
| Average total assets | $120,650,670 | 4,435 |
| Average earning assets | $107,661,330 | 4,516 |
| Average equity | $15,345,000 | 3,849 |
| Average total loans | $71,118,670 | 4,535 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0293% | 2,961 |
| Cost of funding earning assets | 0.6762% | 6,266 |
| Net interest margin | 4.3530% | 1,417 |
| Noninterest income to average assets | 0.5268% | 3,676 |
| Noninterest expense to average assets | 2.8493% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1695% | 1,600 |
| Return on assets (ROA) | 1.1695% | 1,653 |
| Pretax return on assets | 1.5804% | 1,233 |
| Return on Equity (ROE) | 9.3631% | 2,327 |
| Retained earnings to average equity (ytd only) | 9.3631% | 1,273 |
| Net charge-offs to loans | -0.0225% | 6,609 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3231% | 5,309 |
| Assets per employee ($millions) | 3.6834% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 4,214 |
| Loan loss allowance to noncurrent loans | 296.6480% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.7552% | 5,411 |
| Noncurrent loans to loans | 0.5056% | 6,010 |
| Net loans and leases to total assets | 57.3796% | 4,738 |
| Net loans and leases to deposits | 66.9052% | 4,843 |
| Net loans and leases to core deposits | 71.5571% | 4,848 |
| Total domestic deposits to total assets | 85.7625% | 3,657 |
| Equity capital to assets | 12.5444% | 1,605 |
| Core capital (leverage) ratio | 12.5923% | 1,288 |
| Tier 1 risk-based capital ratio | 19.8269% | 1,623 |
| Total risk-based capital ratio | 21.0830% | 1,595 |
| Memoranda: | ||
| Average total assets | $120,732,000 | 4,455 |
| Average earning assets | $108,246,500 | 4,521 |
| Average equity | $15,080,500 | 3,889 |
| Average total loans | $71,021,000 | 4,584 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3937% | 2,698 |
| Cost of funding earning assets | 0.9376% | 5,993 |
| Net interest margin | 4.4561% | 1,338 |
| Noninterest income to average assets | 0.7074% | 2,800 |
| Noninterest expense to average assets | 2.9210% | 4,139 |
| Loan and lease loss provision to assets | 0.1721% | 5,500 |
| Net operating income to assets | 1.0982% | 1,706 |
| Return on assets (ROA) | 1.0982% | 1,792 |
| Pretax return on assets | 1.6636% | 1,014 |
| Return on Equity (ROE) | 8.5662% | 2,471 |
| Retained earnings to average equity (ytd only) | 5.2095% | 2,302 |
| Net charge-offs to loans | 0.0491% | 6,304 |
| Credit loss provision to net charge-offs | 571.4286% | 388 |
| Earnings coverage of net charge-offs (x) | 60.9429% | 390 |
| Efficiency ratio | 61.4076% | 5,829 |
| Assets per employee ($millions) | 3.6337% | 4,621 |
| Cash dividends to net income (ytd only)* | 39.1850% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 4,091 |
| Loan loss allowance to noncurrent loans | 235.1111% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.8423% | 5,320 |
| Noncurrent loans to loans | 0.6317% | 5,784 |
| Net loans and leases to total assets | 58.5229% | 4,954 |
| Net loans and leases to deposits | 68.0145% | 5,104 |
| Net loans and leases to core deposits | 72.9799% | 5,102 |
| Total domestic deposits to total assets | 86.0448% | 3,338 |
| Equity capital to assets | 12.4366% | 1,676 |
| Core capital (leverage) ratio | 12.2017% | 1,427 |
| Tier 1 risk-based capital ratio | 19.4420% | 1,609 |
| Total risk-based capital ratio | 20.6938% | 1,579 |
| Memoranda: | ||
| Average total assets | $116,192,200 | 4,571 |
| Average earning assets | $105,586,200 | 4,578 |
| Average equity | $14,895,800 | 3,959 |
| Average total loans | $71,338,200 | 4,628 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4487% | 2,652 |
| Cost of funding earning assets | 0.9917% | 5,972 |
| Net interest margin | 4.4570% | 1,351 |
| Noninterest income to average assets | 0.5402% | 3,861 |
| Noninterest expense to average assets | 2.8641% | 4,224 |
| Loan and lease loss provision to assets | 0.1735% | 5,307 |
| Net operating income to assets | 1.0816% | 1,961 |
| Return on assets (ROA) | 1.0816% | 2,071 |
| Pretax return on assets | 1.5628% | 1,437 |
| Return on Equity (ROE) | 8.3715% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.3715% | 1,285 |
| Net charge-offs to loans | 0.0243% | 6,336 |
| Credit loss provision to net charge-offs | 1,153.8462% | 251 |
| Earnings coverage of net charge-offs (x) | 115.4807% | 275 |
| Efficiency ratio | 62.2580% | 5,574 |
| Assets per employee ($millions) | 3.5151% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 4,062 |
| Loan loss allowance to noncurrent loans | 131.8822% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 5,370 |
| Noncurrent loans to loans | 1.1205% | 4,995 |
| Net loans and leases to total assets | 57.4597% | 5,343 |
| Net loans and leases to deposits | 67.4475% | 5,495 |
| Net loans and leases to core deposits | 72.6814% | 5,440 |
| Total domestic deposits to total assets | 85.1918% | 3,522 |
| Equity capital to assets | 13.0343% | 1,557 |
| Core capital (leverage) ratio | 12.6182% | 1,365 |
| Tier 1 risk-based capital ratio | 20.1859% | 1,513 |
| Total risk-based capital ratio | 21.4376% | 1,479 |
| Memoranda: | ||
| Average total assets | $115,262,250 | 4,652 |
| Average earning assets | $105,000,500 | 4,642 |
| Average equity | $14,891,500 | 4,013 |
| Average total loans | $71,364,250 | 4,705 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5477% | 2,339 |
| Cost of funding earning assets | 1.0408% | 5,960 |
| Net interest margin | 4.5069% | 1,192 |
| Noninterest income to average assets | 0.5534% | 3,687 |
| Noninterest expense to average assets | 2.8267% | 4,374 |
| Loan and lease loss provision to assets | 0.1757% | 5,107 |
| Net operating income to assets | 1.1068% | 1,833 |
| Return on assets (ROA) | 1.1068% | 1,906 |
| Pretax return on assets | 1.6514% | 1,162 |
| Return on Equity (ROE) | 8.5933% | 2,622 |
| Retained earnings to average equity (ytd only) | 8.5933% | 1,231 |
| Net charge-offs to loans | 0.0028% | 6,346 |
| Credit loss provision to net charge-offs | 10,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,040.0000% | 24 |
| Efficiency ratio | 60.7399% | 5,911 |
| Assets per employee ($millions) | 3.6209% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 4,527 |
| Loan loss allowance to noncurrent loans | 208.4034% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 5,925 |
| Noncurrent loans to loans | 0.6620% | 5,928 |
| Net loans and leases to total assets | 61.1988% | 4,841 |
| Net loans and leases to deposits | 71.7970% | 5,026 |
| Net loans and leases to core deposits | 77.7806% | 4,988 |
| Total domestic deposits to total assets | 85.2386% | 3,495 |
| Equity capital to assets | 13.0931% | 1,532 |
| Core capital (leverage) ratio | 12.6105% | 1,363 |
| Tier 1 risk-based capital ratio | 19.6369% | 1,575 |
| Total risk-based capital ratio | 20.8884% | 1,552 |
| Memoranda: | ||
| Average total assets | $113,844,670 | 4,707 |
| Average earning assets | $103,574,330 | 4,706 |
| Average equity | $14,662,670 | 4,062 |
| Average total loans | $71,918,000 | 4,720 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4318% | 2,890 |
| Cost of funding earning assets | 1.0785% | 6,004 |
| Net interest margin | 4.3532% | 1,528 |
| Noninterest income to average assets | 0.5637% | 3,531 |
| Noninterest expense to average assets | 2.8148% | 4,438 |
| Loan and lease loss provision to assets | 0.1773% | 4,748 |
| Net operating income to assets | 1.0281% | 2,078 |
| Return on assets (ROA) | 1.0281% | 2,139 |
| Pretax return on assets | 1.5208% | 1,465 |
| Return on Equity (ROE) | 8.0508% | 2,859 |
| Retained earnings to average equity (ytd only) | 8.0508% | 1,687 |
| Net charge-offs to loans | -0.0167% | 7,026 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3723% | 5,758 |
| Assets per employee ($millions) | 3.4539% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 4,836 |
| Loan loss allowance to noncurrent loans | 145.0920% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7914% | 5,568 |
| Noncurrent loans to loans | 0.9076% | 5,499 |
| Net loans and leases to total assets | 62.1965% | 4,721 |
| Net loans and leases to deposits | 72.6841% | 4,961 |
| Net loans and leases to core deposits | 78.2505% | 4,994 |
| Total domestic deposits to total assets | 85.5710% | 3,377 |
| Equity capital to assets | 12.8138% | 1,595 |
| Core capital (leverage) ratio | 12.6630% | 1,342 |
| Tier 1 risk-based capital ratio | 19.2968% | 1,654 |
| Total risk-based capital ratio | 20.5479% | 1,628 |
| Memoranda: | ||
| Average total assets | $112,832,000 | 4,803 |
| Average earning assets | $102,361,000 | 4,801 |
| Average equity | $14,408,500 | 4,147 |
| Average total loans | $71,925,500 | 4,790 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8304% | 2,524 |
| Cost of funding earning assets | 1.2253% | 6,570 |
| Net interest margin | 4.6051% | 972 |
| Noninterest income to average assets | 0.5619% | 3,927 |
| Noninterest expense to average assets | 3.0624% | 3,898 |
| Loan and lease loss provision to assets | 0.1018% | 6,615 |
| Net operating income to assets | 1.1303% | 1,438 |
| Return on assets (ROA) | 1.1303% | 1,468 |
| Pretax return on assets | 1.6006% | 966 |
| Return on Equity (ROE) | 8.6714% | 2,137 |
| Retained earnings to average equity (ytd only) | 5.1204% | 1,754 |
| Net charge-offs to loans | 0.1482% | 5,760 |
| Credit loss provision to net charge-offs | 107.8431% | 5,137 |
| Earnings coverage of net charge-offs (x) | 18.0294% | 1,153 |
| Efficiency ratio | 64.2704% | 5,729 |
| Assets per employee ($millions) | 3.4902% | 5,021 |
| Cash dividends to net income (ytd only)* | 40.9500% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 5,120 |
| Loan loss allowance to noncurrent loans | 197.1302% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 5,893 |
| Noncurrent loans to loans | 0.6290% | 5,979 |
| Net loans and leases to total assets | 63.6800% | 4,658 |
| Net loans and leases to deposits | 74.1856% | 5,011 |
| Net loans and leases to core deposits | 98.1643% | 4,206 |
| Total domestic deposits to total assets | 85.8387% | 3,087 |
| Equity capital to assets | 12.7251% | 1,629 |
| Core capital (leverage) ratio | 12.6223% | 1,397 |
| Tier 1 risk-based capital ratio | 19.0566% | 1,644 |
| Total risk-based capital ratio | 20.2850% | 1,612 |
| Memoranda: | ||
| Average total assets | $108,021,200 | 4,877 |
| Average earning assets | $98,586,000 | 4,877 |
| Average equity | $14,080,800 | 4,230 |
| Average total loans | $68,820,800 | 4,913 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8521% | 2,658 |
| Cost of funding earning assets | 1.2515% | 6,717 |
| Net interest margin | 4.6006% | 990 |
| Noninterest income to average assets | 0.5577% | 4,025 |
| Noninterest expense to average assets | 2.9627% | 4,196 |
| Loan and lease loss provision to assets | 0.0747% | 6,609 |
| Net operating income to assets | 0.9125% | 2,379 |
| Return on assets (ROA) | 0.9125% | 2,447 |
| Pretax return on assets | 1.7303% | 911 |
| Return on Equity (ROE) | 6.9569% | 3,091 |
| Retained earnings to average equity (ytd only) | 6.9569% | 1,522 |
| Net charge-offs to loans | 0.1548% | 5,164 |
| Credit loss provision to net charge-offs | 75.9494% | 5,864 |
| Earnings coverage of net charge-offs (x) | 18.3546% | 1,351 |
| Efficiency ratio | 62.1410% | 6,079 |
| Assets per employee ($millions) | 3.4224% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 4,947 |
| Loan loss allowance to noncurrent loans | 141.7349% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.7862% | 5,547 |
| Noncurrent loans to loans | 0.8689% | 5,551 |
| Net loans and leases to total assets | 63.4170% | 4,988 |
| Net loans and leases to deposits | 74.5572% | 5,284 |
| Net loans and leases to core deposits | 97.0163% | 4,702 |
| Total domestic deposits to total assets | 85.0582% | 3,207 |
| Equity capital to assets | 13.4617% | 1,514 |
| Core capital (leverage) ratio | 12.8820% | 1,414 |
| Tier 1 risk-based capital ratio | 19.9828% | 1,562 |
| Total risk-based capital ratio | 21.2245% | 1,516 |
| Memoranda: | ||
| Average total assets | $107,105,250 | 4,932 |
| Average earning assets | $98,013,000 | 4,920 |
| Average equity | $14,048,000 | 4,286 |
| Average total loans | $68,022,500 | 4,986 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0581% | 1,951 |
| Cost of funding earning assets | 1.2725% | 6,891 |
| Net interest margin | 4.7856% | 670 |
| Noninterest income to average assets | 0.5494% | 4,042 |
| Noninterest expense to average assets | 2.8711% | 4,624 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2342% | 1,395 |
| Return on assets (ROA) | 1.2342% | 1,472 |
| Pretax return on assets | 2.0583% | 480 |
| Return on Equity (ROE) | 9.4960% | 2,189 |
| Retained earnings to average equity (ytd only) | 9.4960% | 815 |
| Net charge-offs to loans | 0.1933% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 16.8308% | 1,516 |
| Efficiency ratio | 58.2443% | 6,828 |
| Assets per employee ($millions) | 3.2913% | 5,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 5,017 |
| Loan loss allowance to noncurrent loans | 150.7353% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.7310% | 5,588 |
| Noncurrent loans to loans | 0.7894% | 5,655 |
| Net loans and leases to total assets | 62.6917% | 5,237 |
| Net loans and leases to deposits | 73.2637% | 5,571 |
| Net loans and leases to core deposits | 93.3714% | 5,188 |
| Total domestic deposits to total assets | 85.5700% | 2,983 |
| Equity capital to assets | 13.1889% | 1,614 |
| Core capital (leverage) ratio | 13.0905% | 1,400 |
| Tier 1 risk-based capital ratio | 20.3244% | 1,514 |
| Total risk-based capital ratio | 21.5268% | 1,483 |
| Memoranda: | ||
| Average total assets | $106,301,000 | 4,983 |
| Average earning assets | $97,291,330 | 4,969 |
| Average equity | $13,816,330 | 4,349 |
| Average total loans | $67,257,000 | 5,063 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9199% | 2,698 |
| Cost of funding earning assets | 1.2830% | 7,069 |
| Net interest margin | 4.6369% | 887 |
| Noninterest income to average assets | 0.5250% | 4,096 |
| Noninterest expense to average assets | 2.7695% | 4,702 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1984% | 1,656 |
| Return on assets (ROA) | 1.1984% | 1,771 |
| Pretax return on assets | 2.0315% | 632 |
| Return on Equity (ROE) | 9.2907% | 2,613 |
| Retained earnings to average equity (ytd only) | 9.2907% | 1,401 |
| Net charge-offs to loans | -0.0241% | 7,487 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6862% | 6,745 |
| Assets per employee ($millions) | 3.3031% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 3,914 |
| Loan loss allowance to noncurrent loans | 111.8239% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 5,278 |
| Noncurrent loans to loans | 1.1894% | 4,592 |
| Net loans and leases to total assets | 62.3947% | 5,256 |
| Net loans and leases to deposits | 73.0359% | 5,609 |
| Net loans and leases to core deposits | 93.2274% | 5,235 |
| Total domestic deposits to total assets | 85.4302% | 3,001 |
| Equity capital to assets | 13.2614% | 1,633 |
| Core capital (leverage) ratio | 12.9492% | 1,497 |
| Tier 1 risk-based capital ratio | 20.4316% | 1,535 |
| Total risk-based capital ratio | 21.6830% | 1,505 |
| Memoranda: | ||
| Average total assets | $105,144,500 | 5,037 |
| Average earning assets | $96,960,500 | 5,005 |
| Average equity | $13,562,000 | 4,432 |
| Average total loans | $66,429,500 | 5,121 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6430% | 2,276 |
| Cost of funding earning assets | 1.6492% | 7,354 |
| Net interest margin | 4.9938% | 516 |
| Noninterest income to average assets | 0.5844% | 3,977 |
| Noninterest expense to average assets | 2.7670% | 4,975 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3408% | 1,371 |
| Return on assets (ROA) | 1.3408% | 1,319 |
| Pretax return on assets | 2.4490% | 218 |
| Return on Equity (ROE) | 10.6868% | 2,020 |
| Retained earnings to average equity (ytd only) | 6.7258% | 1,254 |
| Net charge-offs to loans | 0.0355% | 6,305 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 107.1304% | 404 |
| Efficiency ratio | 53.0488% | 7,376 |
| Assets per employee ($millions) | 3.1694% | 5,564 |
| Cash dividends to net income (ytd only)* | 37.0645% | 3,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 3,534 |
| Loan loss allowance to noncurrent loans | 114.6373% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 5,010 |
| Noncurrent loans to loans | 1.1693% | 4,184 |
| Net loans and leases to total assets | 62.2759% | 5,580 |
| Net loans and leases to deposits | 72.2358% | 6,035 |
| Net loans and leases to core deposits | 90.3398% | 5,774 |
| Total domestic deposits to total assets | 86.2120% | 2,309 |
| Equity capital to assets | 12.5317% | 1,995 |
| Core capital (leverage) ratio | 12.4020% | 1,787 |
| Tier 1 risk-based capital ratio | 19.6817% | 1,668 |
| Total risk-based capital ratio | 20.9334% | 1,626 |
| Memoranda: | ||
| Average total assets | $100,613,800 | 5,029 |
| Average earning assets | $93,316,600 | 4,991 |
| Average equity | $12,623,000 | 4,668 |
| Average total loans | $64,752,200 | 5,062 |