Home > THE HOME LOAN SAVINGS BANK > Performance and Condition Ratios
THE HOME LOAN SAVINGS 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 | 6.2029% | 487 |
| Cost of funding earning assets | 1.4723% | 2,015 |
| Net interest margin | 4.7306% | 459 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.3824% | 2,637 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.8536% | 564 |
| Return on assets (ROA) | 1.8536% | 548 |
| Pretax return on assets | 2.3215% | 422 |
| Return on Equity (ROE) | 16.6600% | 996 |
| Retained earnings to average equity (ytd only) | 8.8819% | 1,283 |
| Net charge-offs to loans | 0.0089% | 2,325 |
| Credit loss provision to net charge-offs | 1,795.6522% | 254 |
| Earnings coverage of net charge-offs (x) | 309.6087% | 423 |
| Efficiency ratio | 49.1539% | 4,032 |
| Assets per employee ($millions) | 6.0367% | 2,786 |
| Cash dividends to net income (ytd only)* | 46.6766% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 2,456 |
| Loan loss allowance to noncurrent loans | 436.8638% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 2,008 |
| Noncurrent loans to loans | 0.2678% | 2,227 |
| Net loans and leases to total assets | 88.8700% | 59 |
| Net loans and leases to deposits | 109.1109% | 218 |
| Net loans and leases to core deposits | 119.2357% | 645 |
| Total domestic deposits to total assets | 81.4500% | 3,233 |
| Equity capital to assets | 11.3085% | 1,368 |
| Core capital (leverage) ratio | 11.5265% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9002% | 1,293 |
| Memoranda: | ||
| Average total assets | $288,956,800 | 2,480 |
| Average earning assets | $272,163,200 | 2,452 |
| Average equity | $32,155,200 | 2,180 |
| Average total loans | $258,208,000 | 1,963 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0447% | 500 |
| Cost of funding earning assets | 1.3759% | 1,931 |
| Net interest margin | 4.6688% | 481 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.3532% | 2,644 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.8263% | 635 |
| Return on assets (ROA) | 1.8263% | 628 |
| Pretax return on assets | 2.2785% | 500 |
| Return on Equity (ROE) | 16.4800% | 1,167 |
| Retained earnings to average equity (ytd only) | 5.9546% | 2,651 |
| Net charge-offs to loans | 0.0141% | 1,891 |
| Credit loss provision to net charge-offs | 1,362.9630% | 327 |
| Earnings coverage of net charge-offs (x) | 194.4815% | 611 |
| Efficiency ratio | 48.9897% | 3,984 |
| Assets per employee ($millions) | 5.7324% | 2,984 |
| Cash dividends to net income (ytd only)* | 63.8733% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 2,520 |
| Loan loss allowance to noncurrent loans | 372.8248% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 1,879 |
| Noncurrent loans to loans | 0.3137% | 2,108 |
| Net loans and leases to total assets | 88.6800% | 60 |
| Net loans and leases to deposits | 110.7534% | 187 |
| Net loans and leases to core deposits | 120.8934% | 532 |
| Total domestic deposits to total assets | 80.0700% | 3,519 |
| Equity capital to assets | 10.9054% | 1,383 |
| Core capital (leverage) ratio | 11.1819% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5554% | 1,419 |
| Memoranda: | ||
| Average total assets | $285,737,000 | 2,497 |
| Average earning assets | $268,899,750 | 2,470 |
| Average equity | $31,660,750 | 2,183 |
| Average total loans | $254,904,250 | 1,980 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8776% | 515 |
| Cost of funding earning assets | 1.1974% | 2,004 |
| Net interest margin | 4.6802% | 473 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.2910% | 2,836 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 1.8955% | 563 |
| Return on assets (ROA) | 1.8955% | 557 |
| Pretax return on assets | 2.3485% | 436 |
| Return on Equity (ROE) | 17.0100% | 1,096 |
| Retained earnings to average equity (ytd only) | 1.0772% | 3,897 |
| Net charge-offs to loans | 0.0263% | 1,359 |
| Credit loss provision to net charge-offs | 812.1212% | 475 |
| Earnings coverage of net charge-offs (x) | 108.3333% | 893 |
| Efficiency ratio | 47.4342% | 4,099 |
| Assets per employee ($millions) | 5.8253% | 2,861 |
| Cash dividends to net income (ytd only)* | 93.6680% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 2,601 |
| Loan loss allowance to noncurrent loans | 307.0122% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 1,569 |
| Noncurrent loans to loans | 0.3808% | 1,784 |
| Net loans and leases to total assets | 87.6700% | 90 |
| Net loans and leases to deposits | 113.1811% | 160 |
| Net loans and leases to core deposits | 118.8110% | 544 |
| Total domestic deposits to total assets | 77.4600% | 3,899 |
| Equity capital to assets | 10.6961% | 1,510 |
| Core capital (leverage) ratio | 11.0260% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1661% | 1,520 |
| Memoranda: | ||
| Average total assets | $281,621,667 | 2,521 |
| Average earning assets | $264,734,000 | 2,497 |
| Average equity | $31,378,667 | 2,204 |
| Average total loans | $250,711,667 | 2,000 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6991% | 462 |
| Cost of funding earning assets | 1.0214% | 1,976 |
| Net interest margin | 4.6777% | 462 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.4118% | 2,497 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.7529% | 746 |
| Return on assets (ROA) | 1.7529% | 738 |
| Pretax return on assets | 2.2196% | 556 |
| Return on Equity (ROE) | 15.4100% | 1,475 |
| Retained earnings to average equity (ytd only) | 15.4076% | 748 |
| Net charge-offs to loans | -0.0211% | 4,121 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.4230% | 3,901 |
| Assets per employee ($millions) | 5.7209% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,746 |
| Loan loss allowance to noncurrent loans | 480.1653% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 2,057 |
| Noncurrent loans to loans | 0.2423% | 2,287 |
| Net loans and leases to total assets | 88.0300% | 72 |
| Net loans and leases to deposits | 111.3121% | 166 |
| Net loans and leases to core deposits | 116.0434% | 537 |
| Total domestic deposits to total assets | 79.0900% | 3,891 |
| Equity capital to assets | 11.4825% | 1,160 |
| Core capital (leverage) ratio | 11.7495% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1379% | 1,343 |
| Memoranda: | ||
| Average total assets | $276,800,500 | 2,577 |
| Average earning assets | $260,813,000 | 2,557 |
| Average equity | $31,491,000 | 2,232 |
| Average total loans | $246,878,000 | 2,041 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 318 |
| Cost of funding earning assets | 0.4310% | 1,855 |
| Net interest margin | 4.5347% | 276 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.3379% | 2,624 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.7961% | 449 |
| Return on assets (ROA) | 1.7961% | 431 |
| Pretax return on assets | 2.2278% | 302 |
| Return on Equity (ROE) | 15.9400% | 1,067 |
| Retained earnings to average equity (ytd only) | 7.4575% | 2,047 |
| Net charge-offs to loans | 0.0211% | 1,657 |
| Credit loss provision to net charge-offs | 864.5833% | 475 |
| Earnings coverage of net charge-offs (x) | 130.0208% | 851 |
| Efficiency ratio | 49.4860% | 4,156 |
| Assets per employee ($millions) | 5.8144% | 2,937 |
| Cash dividends to net income (ytd only)* | 53.2255% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 2,693 |
| Loan loss allowance to noncurrent loans | 338.2282% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 1,650 |
| Noncurrent loans to loans | 0.3376% | 1,943 |
| Net loans and leases to total assets | 88.2900% | 64 |
| Net loans and leases to deposits | 110.3007% | 150 |
| Net loans and leases to core deposits | 113.6309% | 498 |
| Total domestic deposits to total assets | 80.0500% | 3,873 |
| Equity capital to assets | 11.2683% | 1,157 |
| Core capital (leverage) ratio | 11.5521% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8813% | 1,392 |
| Memoranda: | ||
| Average total assets | $261,513,000 | 2,660 |
| Average earning assets | $244,755,200 | 2,643 |
| Average equity | $29,460,200 | 2,358 |
| Average total loans | $227,058,200 | 2,071 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7323% | 332 |
| Cost of funding earning assets | 0.3627% | 1,590 |
| Net interest margin | 4.3695% | 295 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.3333% | 2,530 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.7104% | 518 |
| Return on assets (ROA) | 1.7104% | 505 |
| Pretax return on assets | 2.0827% | 396 |
| Return on Equity (ROE) | 15.1800% | 1,135 |
| Retained earnings to average equity (ytd only) | 3.7399% | 3,535 |
| Net charge-offs to loans | 0.0227% | 1,374 |
| Credit loss provision to net charge-offs | 802.6316% | 470 |
| Earnings coverage of net charge-offs (x) | 114.3158% | 873 |
| Efficiency ratio | 51.0204% | 4,087 |
| Assets per employee ($millions) | 5.0835% | 3,608 |
| Cash dividends to net income (ytd only)* | 75.3693% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 2,920 |
| Loan loss allowance to noncurrent loans | 262.4023% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 1,368 |
| Noncurrent loans to loans | 0.4267% | 1,743 |
| Net loans and leases to total assets | 88.0800% | 61 |
| Net loans and leases to deposits | 107.5498% | 159 |
| Net loans and leases to core deposits | 109.7743% | 479 |
| Total domestic deposits to total assets | 81.8900% | 3,854 |
| Equity capital to assets | 10.8784% | 1,223 |
| Core capital (leverage) ratio | 11.4046% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4637% | 1,580 |
| Memoranda: | ||
| Average total assets | $258,571,500 | 2,693 |
| Average earning assets | $241,483,750 | 2,680 |
| Average equity | $29,126,750 | 2,402 |
| Average total loans | $222,804,750 | 2,094 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 303 |
| Cost of funding earning assets | 0.3666% | 1,137 |
| Net interest margin | 4.2419% | 306 |
| Noninterest income to average assets | 0.5334% | 2,027 |
| Noninterest expense to average assets | 2.2812% | 2,604 |
| Loan and lease loss provision to assets | 0.1961% | 427 |
| Net operating income to assets | 1.6827% | 445 |
| Return on assets (ROA) | 1.6827% | 442 |
| Pretax return on assets | 2.0051% | 374 |
| Return on Equity (ROE) | 14.7595% | 945 |
| Retained earnings to average equity (ytd only) | -2.4427% | 4,413 |
| Net charge-offs to loans | 0.0304% | 1,119 |
| Credit loss provision to net charge-offs | 757.5758% | 486 |
| Earnings coverage of net charge-offs (x) | 85.0303% | 900 |
| Efficiency ratio | 50.8925% | 4,200 |
| Assets per employee ($millions) | 6.0635% | 2,685 |
| Cash dividends to net income (ytd only)* | 116.5501% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 2,713 |
| Loan loss allowance to noncurrent loans | 613.2558% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 2,519 |
| Noncurrent loans to loans | 0.1947% | 2,732 |
| Net loans and leases to total assets | 85.6860% | 98 |
| Net loans and leases to deposits | 98.9727% | 309 |
| Net loans and leases to core deposits | 100.8569% | 639 |
| Total domestic deposits to total assets | 86.5754% | 3,088 |
| Equity capital to assets | 11.1185% | 1,162 |
| Core capital (leverage) ratio | 11.2672% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0910% | 1,416 |
| Memoranda: | ||
| Average total assets | $254,953,667 | 2,739 |
| Average earning assets | $237,347,000 | 2,737 |
| Average equity | $29,066,000 | 2,458 |
| Average total loans | $217,077,667 | 2,128 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 347 |
| Cost of funding earning assets | 0.3866% | 945 |
| Net interest margin | 4.0691% | 359 |
| Noninterest income to average assets | 0.5002% | 2,137 |
| Noninterest expense to average assets | 2.4791% | 1,936 |
| Loan and lease loss provision to assets | 0.0862% | 964 |
| Net operating income to assets | 1.3673% | 861 |
| Return on assets (ROA) | 1.3673% | 855 |
| Pretax return on assets | 1.7311% | 643 |
| Return on Equity (ROE) | 11.8472% | 1,366 |
| Retained earnings to average equity (ytd only) | 11.8472% | 629 |
| Net charge-offs to loans | 0.0651% | 681 |
| Credit loss provision to net charge-offs | 157.1429% | 843 |
| Earnings coverage of net charge-offs (x) | 33.1143% | 1,087 |
| Efficiency ratio | 57.7007% | 3,712 |
| Assets per employee ($millions) | 6.0835% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 3,195 |
| Loan loss allowance to noncurrent loans | 531.5904% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 2,401 |
| Noncurrent loans to loans | 0.2127% | 2,758 |
| Net loans and leases to total assets | 83.5115% | 101 |
| Net loans and leases to deposits | 97.0138% | 256 |
| Net loans and leases to core deposits | 98.8612% | 545 |
| Total domestic deposits to total assets | 86.0821% | 3,229 |
| Equity capital to assets | 11.6256% | 1,084 |
| Core capital (leverage) ratio | 11.8533% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9249% | 1,281 |
| Memoranda: | ||
| Average total assets | $255,097,500 | 2,753 |
| Average earning assets | $237,990,000 | 2,748 |
| Average equity | $29,441,500 | 2,518 |
| Average total loans | $215,191,500 | 2,136 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4832% | 614 |
| Cost of funding earning assets | 0.5237% | 823 |
| Net interest margin | 3.9595% | 772 |
| Noninterest income to average assets | 0.6801% | 1,835 |
| Noninterest expense to average assets | 2.3189% | 2,739 |
| Loan and lease loss provision to assets | 0.1045% | 1,209 |
| Net operating income to assets | 1.5268% | 966 |
| Return on assets (ROA) | 1.5268% | 1,001 |
| Pretax return on assets | 1.8747% | 776 |
| Return on Equity (ROE) | 13.6803% | 1,274 |
| Retained earnings to average equity (ytd only) | 4.8429% | 2,843 |
| Net charge-offs to loans | -0.0568% | 4,381 |
| Credit loss provision to net charge-offs | -234.5133% | 3,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9514% | 3,932 |
| Assets per employee ($millions) | 6.0640% | 2,702 |
| Cash dividends to net income (ytd only)* | 64.5995% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 3,239 |
| Loan loss allowance to noncurrent loans | 550.0000% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 2,481 |
| Noncurrent loans to loans | 0.2051% | 2,933 |
| Net loans and leases to total assets | 83.2961% | 137 |
| Net loans and leases to deposits | 96.6188% | 295 |
| Net loans and leases to core deposits | 98.8846% | 582 |
| Total domestic deposits to total assets | 86.2110% | 2,832 |
| Equity capital to assets | 11.4567% | 1,529 |
| Core capital (leverage) ratio | 11.3739% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5008% | 1,391 |
| Memoranda: | ||
| Average total assets | $253,479,400 | 2,701 |
| Average earning assets | $231,620,800 | 2,733 |
| Average equity | $28,288,800 | 2,630 |
| Average total loans | $199,089,400 | 2,241 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4549% | 728 |
| Cost of funding earning assets | 0.5491% | 836 |
| Net interest margin | 3.9058% | 931 |
| Noninterest income to average assets | 0.6920% | 1,850 |
| Noninterest expense to average assets | 2.2687% | 2,836 |
| Loan and lease loss provision to assets | 0.1394% | 813 |
| Net operating income to assets | 1.5104% | 1,246 |
| Return on assets (ROA) | 1.5104% | 1,295 |
| Pretax return on assets | 1.8348% | 1,081 |
| Return on Equity (ROE) | 13.6246% | 1,505 |
| Retained earnings to average equity (ytd only) | 1.7482% | 4,259 |
| Net charge-offs to loans | -0.0273% | 4,096 |
| Credit loss provision to net charge-offs | -662.5000% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4690% | 3,872 |
| Assets per employee ($millions) | 6.1677% | 2,532 |
| Cash dividends to net income (ytd only)* | 87.1688% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 3,230 |
| Loan loss allowance to noncurrent loans | 603.3419% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 2,641 |
| Noncurrent loans to loans | 0.1897% | 3,189 |
| Net loans and leases to total assets | 78.2716% | 383 |
| Net loans and leases to deposits | 90.4063% | 587 |
| Net loans and leases to core deposits | 92.9213% | 873 |
| Total domestic deposits to total assets | 86.5775% | 2,518 |
| Equity capital to assets | 10.9202% | 2,073 |
| Core capital (leverage) ratio | 10.9829% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4898% | 1,490 |
| Memoranda: | ||
| Average total assets | $253,177,000 | 2,728 |
| Average earning assets | $230,184,000 | 2,765 |
| Average equity | $28,066,250 | 2,677 |
| Average total loans | $195,220,250 | 2,302 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 764 |
| Cost of funding earning assets | 0.5731% | 851 |
| Net interest margin | 3.8965% | 980 |
| Noninterest income to average assets | 0.7332% | 1,707 |
| Noninterest expense to average assets | 2.2761% | 2,841 |
| Loan and lease loss provision to assets | 0.2110% | 515 |
| Net operating income to assets | 1.4895% | 1,321 |
| Return on assets (ROA) | 1.4895% | 1,382 |
| Pretax return on assets | 1.7698% | 1,304 |
| Return on Equity (ROE) | 13.3679% | 1,604 |
| Retained earnings to average equity (ytd only) | -4.4941% | 4,774 |
| Net charge-offs to loans | 0.0031% | 2,072 |
| Credit loss provision to net charge-offs | 8,833.3333% | 69 |
| Earnings coverage of net charge-offs (x) | 829.3333% | 166 |
| Efficiency ratio | 53.4692% | 3,872 |
| Assets per employee ($millions) | 5.6313% | 2,978 |
| Cash dividends to net income (ytd only)* | 133.6184% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 3,098 |
| Loan loss allowance to noncurrent loans | 475.0515% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 2,578 |
| Noncurrent loans to loans | 0.2461% | 3,065 |
| Net loans and leases to total assets | 76.8583% | 515 |
| Net loans and leases to deposits | 88.6920% | 740 |
| Net loans and leases to core deposits | 91.4269% | 1,043 |
| Total domestic deposits to total assets | 86.6575% | 2,488 |
| Equity capital to assets | 10.7720% | 2,168 |
| Core capital (leverage) ratio | 10.7560% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3071% | 1,529 |
| Memoranda: | ||
| Average total assets | $251,221,667 | 2,736 |
| Average earning assets | $227,177,333 | 2,780 |
| Average equity | $27,992,333 | 2,673 |
| Average total loans | $191,925,667 | 2,332 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 798 |
| Cost of funding earning assets | 0.6089% | 844 |
| Net interest margin | 3.8725% | 1,028 |
| Noninterest income to average assets | 0.7388% | 1,748 |
| Noninterest expense to average assets | 2.4036% | 2,478 |
| Loan and lease loss provision to assets | 0.1759% | 702 |
| Net operating income to assets | 1.2697% | 1,923 |
| Return on assets (ROA) | 1.2697% | 1,997 |
| Pretax return on assets | 1.6072% | 1,708 |
| Return on Equity (ROE) | 11.2068% | 2,300 |
| Retained earnings to average equity (ytd only) | 11.2068% | 1,346 |
| Net charge-offs to loans | -0.0253% | 4,106 |
| Credit loss provision to net charge-offs | -916.6667% | 3,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4102% | 3,381 |
| Assets per employee ($millions) | 5.7095% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 3,247 |
| Loan loss allowance to noncurrent loans | 203.5748% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 1,879 |
| Noncurrent loans to loans | 0.5602% | 2,177 |
| Net loans and leases to total assets | 74.6687% | 750 |
| Net loans and leases to deposits | 86.7808% | 905 |
| Net loans and leases to core deposits | 89.4543% | 1,262 |
| Total domestic deposits to total assets | 86.0429% | 2,723 |
| Equity capital to assets | 11.4382% | 1,579 |
| Core capital (leverage) ratio | 11.5088% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9011% | 1,087 |
| Memoranda: | ||
| Average total assets | $250,128,500 | 2,725 |
| Average earning assets | $222,698,000 | 2,791 |
| Average equity | $28,340,000 | 2,643 |
| Average total loans | $189,354,000 | 2,355 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9543% | 535 |
| Cost of funding earning assets | 0.8410% | 1,051 |
| Net interest margin | 4.1133% | 759 |
| Noninterest income to average assets | 0.8146% | 1,490 |
| Noninterest expense to average assets | 2.3004% | 3,398 |
| Loan and lease loss provision to assets | 0.4025% | 780 |
| Net operating income to assets | 1.5080% | 793 |
| Return on assets (ROA) | 1.5080% | 864 |
| Pretax return on assets | 1.8397% | 625 |
| Return on Equity (ROE) | 13.2665% | 976 |
| Retained earnings to average equity (ytd only) | 4.0460% | 2,797 |
| Net charge-offs to loans | 0.6125% | 250 |
| Credit loss provision to net charge-offs | 80.2005% | 2,987 |
| Earnings coverage of net charge-offs (x) | 4.4678% | 2,979 |
| Efficiency ratio | 50.6414% | 4,492 |
| Assets per employee ($millions) | 5.5342% | 2,810 |
| Cash dividends to net income (ytd only)* | 69.5024% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,552 |
| Loan loss allowance to noncurrent loans | 137.4159% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7300% | 1,419 |
| Noncurrent loans to loans | 0.7864% | 1,763 |
| Net loans and leases to total assets | 75.0568% | 894 |
| Net loans and leases to deposits | 87.0870% | 1,168 |
| Net loans and leases to core deposits | 90.4091% | 1,494 |
| Total domestic deposits to total assets | 86.1860% | 2,285 |
| Equity capital to assets | 11.2212% | 2,081 |
| Core capital (leverage) ratio | 11.4009% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1066% | 1,237 |
| Memoranda: | ||
| Average total assets | $238,522,800 | 2,667 |
| Average earning assets | $216,176,200 | 2,698 |
| Average equity | $27,113,400 | 2,668 |
| Average total loans | $195,416,800 | 2,280 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0096% | 594 |
| Cost of funding earning assets | 0.8792% | 1,140 |
| Net interest margin | 4.1304% | 846 |
| Noninterest income to average assets | 0.7760% | 1,583 |
| Noninterest expense to average assets | 2.2654% | 3,512 |
| Loan and lease loss provision to assets | 0.4591% | 688 |
| Net operating income to assets | 1.5193% | 865 |
| Return on assets (ROA) | 1.5193% | 942 |
| Pretax return on assets | 1.8302% | 742 |
| Return on Equity (ROE) | 13.3204% | 1,024 |
| Retained earnings to average equity (ytd only) | 0.9316% | 4,276 |
| Net charge-offs to loans | 0.7478% | 187 |
| Credit loss provision to net charge-offs | 73.4842% | 2,797 |
| Earnings coverage of net charge-offs (x) | 3.6652% | 2,895 |
| Efficiency ratio | 49.7394% | 4,510 |
| Assets per employee ($millions) | 5.5710% | 2,651 |
| Cash dividends to net income (ytd only)* | 93.0060% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 3,612 |
| Loan loss allowance to noncurrent loans | 155.0351% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6548% | 1,770 |
| Noncurrent loans to loans | 0.6585% | 2,143 |
| Net loans and leases to total assets | 78.5572% | 766 |
| Net loans and leases to deposits | 91.1605% | 1,140 |
| Net loans and leases to core deposits | 94.8044% | 1,561 |
| Total domestic deposits to total assets | 86.1746% | 1,989 |
| Equity capital to assets | 11.0304% | 2,374 |
| Core capital (leverage) ratio | 11.0427% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3677% | 1,404 |
| Memoranda: | ||
| Average total assets | $235,894,000 | 2,665 |
| Average earning assets | $215,791,750 | 2,695 |
| Average equity | $26,905,500 | 2,673 |
| Average total loans | $197,030,500 | 2,259 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0703% | 728 |
| Cost of funding earning assets | 0.9187% | 1,284 |
| Net interest margin | 4.1516% | 1,017 |
| Noninterest income to average assets | 0.6718% | 1,846 |
| Noninterest expense to average assets | 2.2180% | 3,726 |
| Loan and lease loss provision to assets | 0.5541% | 599 |
| Net operating income to assets | 1.4612% | 997 |
| Return on assets (ROA) | 1.4612% | 1,086 |
| Pretax return on assets | 1.7078% | 983 |
| Return on Equity (ROE) | 12.6650% | 1,176 |
| Retained earnings to average equity (ytd only) | -5.9491% | 4,811 |
| Net charge-offs to loans | 1.0897% | 127 |
| Credit loss provision to net charge-offs | 59.8330% | 2,589 |
| Earnings coverage of net charge-offs (x) | 2.4425% | 2,773 |
| Efficiency ratio | 49.5110% | 4,531 |
| Assets per employee ($millions) | 5.4505% | 2,691 |
| Cash dividends to net income (ytd only)* | 146.9724% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 3,798 |
| Loan loss allowance to noncurrent loans | 103.8267% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9353% | 1,310 |
| Noncurrent loans to loans | 0.9155% | 1,683 |
| Net loans and leases to total assets | 78.3830% | 806 |
| Net loans and leases to deposits | 90.5687% | 1,299 |
| Net loans and leases to core deposits | 94.1226% | 1,727 |
| Total domestic deposits to total assets | 86.5453% | 1,789 |
| Equity capital to assets | 10.6236% | 2,642 |
| Core capital (leverage) ratio | 10.6303% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8267% | 1,543 |
| Memoranda: | ||
| Average total assets | $232,818,000 | 2,659 |
| Average earning assets | $213,555,667 | 2,681 |
| Average equity | $26,861,333 | 2,658 |
| Average total loans | $197,858,333 | 2,237 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4098% | 454 |
| Cost of funding earning assets | 0.9605% | 1,601 |
| Net interest margin | 4.4493% | 564 |
| Noninterest income to average assets | 0.4890% | 2,607 |
| Noninterest expense to average assets | 2.4449% | 3,442 |
| Loan and lease loss provision to assets | 0.3001% | 1,032 |
| Net operating income to assets | 1.4670% | 841 |
| Return on assets (ROA) | 1.4670% | 919 |
| Pretax return on assets | 1.8571% | 617 |
| Return on Equity (ROE) | 12.1921% | 1,056 |
| Retained earnings to average equity (ytd only) | 12.1921% | 401 |
| Net charge-offs to loans | 0.3445% | 414 |
| Credit loss provision to net charge-offs | 98.8372% | 1,859 |
| Earnings coverage of net charge-offs (x) | 7.1047% | 1,943 |
| Efficiency ratio | 53.1262% | 4,457 |
| Assets per employee ($millions) | 5.0855% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 3,034 |
| Loan loss allowance to noncurrent loans | 57.0998% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.8497% | 478 |
| Noncurrent loans to loans | 1.9823% | 719 |
| Net loans and leases to total assets | 86.8713% | 102 |
| Net loans and leases to deposits | 102.4678% | 431 |
| Net loans and leases to core deposits | 107.0145% | 997 |
| Total domestic deposits to total assets | 84.7790% | 2,498 |
| Equity capital to assets | 12.0997% | 1,995 |
| Core capital (leverage) ratio | 12.1085% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7637% | 1,407 |
| Memoranda: | ||
| Average total assets | $226,590,000 | 2,659 |
| Average earning assets | $209,471,500 | 2,669 |
| Average equity | $27,263,500 | 2,625 |
| Average total loans | $199,738,500 | 2,187 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5932% | 482 |
| Cost of funding earning assets | 0.9339% | 2,039 |
| Net interest margin | 4.6593% | 513 |
| Noninterest income to average assets | 0.5374% | 2,546 |
| Noninterest expense to average assets | 2.3930% | 3,705 |
| Loan and lease loss provision to assets | 0.3248% | 491 |
| Net operating income to assets | 1.7254% | 624 |
| Return on assets (ROA) | 1.7254% | 666 |
| Pretax return on assets | 2.1211% | 454 |
| Return on Equity (ROE) | 14.4686% | 801 |
| Retained earnings to average equity (ytd only) | 4.8229% | 2,520 |
| Net charge-offs to loans | 0.3743% | 532 |
| Credit loss provision to net charge-offs | 95.7938% | 2,577 |
| Earnings coverage of net charge-offs (x) | 7.2130% | 2,895 |
| Efficiency ratio | 49.4533% | 4,761 |
| Assets per employee ($millions) | 3.8678% | 4,070 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 2,712 |
| Loan loss allowance to noncurrent loans | 61.1052% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 499 |
| Noncurrent loans to loans | 1.8791% | 700 |
| Net loans and leases to total assets | 87.4239% | 103 |
| Net loans and leases to deposits | 104.0049% | 373 |
| Net loans and leases to core deposits | 108.5516% | 937 |
| Total domestic deposits to total assets | 84.0575% | 2,832 |
| Equity capital to assets | 11.9631% | 2,155 |
| Core capital (leverage) ratio | 12.0357% | 1,752 |
| Tier 1 risk-based capital ratio | 15.2987% | 2,656 |
| Total risk-based capital ratio | 16.5493% | 2,584 |
| Memoranda: | ||
| Average total assets | $217,345,000 | 2,685 |
| Average earning assets | $200,653,800 | 2,708 |
| Average equity | $25,918,200 | 2,640 |
| Average total loans | $196,887,600 | 2,189 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6430% | 457 |
| Cost of funding earning assets | 0.9198% | 2,139 |
| Net interest margin | 4.7232% | 472 |
| Noninterest income to average assets | 0.5417% | 2,502 |
| Noninterest expense to average assets | 2.3883% | 3,721 |
| Loan and lease loss provision to assets | 0.3902% | 334 |
| Net operating income to assets | 1.7415% | 687 |
| Return on assets (ROA) | 1.7415% | 725 |
| Pretax return on assets | 2.1199% | 525 |
| Return on Equity (ROE) | 14.6158% | 865 |
| Retained earnings to average equity (ytd only) | 1.6401% | 4,386 |
| Net charge-offs to loans | 0.3915% | 426 |
| Credit loss provision to net charge-offs | 109.3588% | 2,103 |
| Earnings coverage of net charge-offs (x) | 7.0347% | 2,782 |
| Efficiency ratio | 48.7565% | 4,809 |
| Assets per employee ($millions) | 4.8929% | 2,672 |
| Cash dividends to net income (ytd only)* | 88.7785% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 2,578 |
| Loan loss allowance to noncurrent loans | 46.5786% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 2.4307% | 294 |
| Noncurrent loans to loans | 2.5466% | 448 |
| Net loans and leases to total assets | 89.3647% | 56 |
| Net loans and leases to deposits | 105.7410% | 336 |
| Net loans and leases to core deposits | 110.3983% | 935 |
| Total domestic deposits to total assets | 84.5127% | 2,621 |
| Equity capital to assets | 11.7621% | 2,443 |
| Core capital (leverage) ratio | 11.9421% | 1,892 |
| Tier 1 risk-based capital ratio | 15.0353% | 2,829 |
| Total risk-based capital ratio | 16.2868% | 2,761 |
| Memoranda: | ||
| Average total assets | $215,598,500 | 2,718 |
| Average earning assets | $198,871,750 | 2,742 |
| Average equity | $25,688,500 | 2,669 |
| Average total loans | $196,510,250 | 2,210 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6613% | 430 |
| Cost of funding earning assets | 0.8948% | 2,173 |
| Net interest margin | 4.7664% | 436 |
| Noninterest income to average assets | 0.5297% | 2,506 |
| Noninterest expense to average assets | 2.3413% | 3,888 |
| Loan and lease loss provision to assets | 0.5288% | 216 |
| Net operating income to assets | 1.7312% | 682 |
| Return on assets (ROA) | 1.7312% | 712 |
| Pretax return on assets | 2.0638% | 601 |
| Return on Equity (ROE) | 14.4660% | 879 |
| Retained earnings to average equity (ytd only) | -5.0510% | 5,060 |
| Net charge-offs to loans | 0.5909% | 256 |
| Credit loss provision to net charge-offs | 97.9239% | 2,031 |
| Earnings coverage of net charge-offs (x) | 4.8010% | 2,709 |
| Efficiency ratio | 47.4531% | 4,924 |
| Assets per employee ($millions) | 5.0090% | 2,466 |
| Cash dividends to net income (ytd only)* | 134.9164% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 2,683 |
| Loan loss allowance to noncurrent loans | 69.7540% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.6593% | 642 |
| Noncurrent loans to loans | 1.6722% | 913 |
| Net loans and leases to total assets | 90.3606% | 51 |
| Net loans and leases to deposits | 108.0092% | 272 |
| Net loans and leases to core deposits | 112.4259% | 852 |
| Total domestic deposits to total assets | 83.6601% | 2,990 |
| Equity capital to assets | 11.5741% | 2,548 |
| Core capital (leverage) ratio | 11.6783% | 2,036 |
| Tier 1 risk-based capital ratio | 14.7029% | 2,962 |
| Total risk-based capital ratio | 15.9544% | 2,889 |
| Memoranda: | ||
| Average total assets | $214,071,000 | 2,744 |
| Average earning assets | $197,799,330 | 2,760 |
| Average equity | $25,618,670 | 2,665 |
| Average total loans | $195,638,330 | 2,225 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6219% | 413 |
| Cost of funding earning assets | 0.8785% | 2,107 |
| Net interest margin | 4.7434% | 448 |
| Noninterest income to average assets | 0.4255% | 3,009 |
| Noninterest expense to average assets | 2.4984% | 3,512 |
| Loan and lease loss provision to assets | 0.3093% | 413 |
| Net operating income to assets | 1.5800% | 935 |
| Return on assets (ROA) | 1.5800% | 963 |
| Pretax return on assets | 1.9999% | 643 |
| Return on Equity (ROE) | 12.9875% | 1,221 |
| Retained earnings to average equity (ytd only) | 12.9875% | 467 |
| Net charge-offs to loans | 0.7651% | 194 |
| Credit loss provision to net charge-offs | 44.2359% | 2,007 |
| Earnings coverage of net charge-offs (x) | 3.3029% | 2,416 |
| Efficiency ratio | 51.9688% | 4,701 |
| Assets per employee ($millions) | 5.1419% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,317 |
| Loan loss allowance to noncurrent loans | 80.6216% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.2067% | 1,107 |
| Noncurrent loans to loans | 1.3241% | 1,233 |
| Net loans and leases to total assets | 90.1639% | 48 |
| Net loans and leases to deposits | 111.9384% | 177 |
| Net loans and leases to core deposits | 115.6351% | 657 |
| Total domestic deposits to total assets | 80.5478% | 4,062 |
| Equity capital to assets | 12.2226% | 1,896 |
| Core capital (leverage) ratio | 12.4782% | 1,531 |
| Tier 1 risk-based capital ratio | 15.7006% | 2,569 |
| Total risk-based capital ratio | 16.9504% | 2,487 |
| Memoranda: | ||
| Average total assets | $213,413,000 | 2,777 |
| Average earning assets | $197,158,500 | 2,790 |
| Average equity | $25,963,500 | 2,645 |
| Average total loans | $194,996,500 | 2,249 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3242% | 557 |
| Cost of funding earning assets | 0.7234% | 1,935 |
| Net interest margin | 4.6008% | 603 |
| Noninterest income to average assets | 0.4721% | 2,986 |
| Noninterest expense to average assets | 2.3261% | 4,064 |
| Loan and lease loss provision to assets | 0.1899% | 1,009 |
| Net operating income to assets | 1.7503% | 615 |
| Return on assets (ROA) | 1.7503% | 607 |
| Pretax return on assets | 2.2271% | 337 |
| Return on Equity (ROE) | 14.8975% | 856 |
| Retained earnings to average equity (ytd only) | 6.7143% | 1,807 |
| Net charge-offs to loans | 0.1547% | 1,243 |
| Credit loss provision to net charge-offs | 135.7388% | 1,969 |
| Earnings coverage of net charge-offs (x) | 17.2784% | 2,204 |
| Efficiency ratio | 49.0423% | 4,994 |
| Assets per employee ($millions) | 5.1431% | 2,330 |
| Cash dividends to net income (ytd only)* | 54.9300% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 2,594 |
| Loan loss allowance to noncurrent loans | 66.0280% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.6584% | 659 |
| Noncurrent loans to loans | 1.8103% | 782 |
| Net loans and leases to total assets | 90.5148% | 56 |
| Net loans and leases to deposits | 114.5545% | 159 |
| Net loans and leases to core deposits | 118.6234% | 596 |
| Total domestic deposits to total assets | 79.0146% | 4,306 |
| Equity capital to assets | 12.1077% | 1,818 |
| Core capital (leverage) ratio | 12.2655% | 1,576 |
| Tier 1 risk-based capital ratio | 15.4867% | 2,627 |
| Total risk-based capital ratio | 16.7386% | 2,545 |
| Memoranda: | ||
| Average total assets | $208,026,800 | 2,787 |
| Average earning assets | $193,119,000 | 2,787 |
| Average equity | $24,440,400 | 2,685 |
| Average total loans | $188,162,800 | 2,265 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2469% | 569 |
| Cost of funding earning assets | 0.6985% | 1,852 |
| Net interest margin | 4.5484% | 677 |
| Noninterest income to average assets | 0.4637% | 3,077 |
| Noninterest expense to average assets | 2.2824% | 4,144 |
| Loan and lease loss provision to assets | 0.2090% | 812 |
| Net operating income to assets | 1.7236% | 706 |
| Return on assets (ROA) | 1.7236% | 714 |
| Pretax return on assets | 2.1975% | 399 |
| Return on Equity (ROE) | 14.7852% | 924 |
| Retained earnings to average equity (ytd only) | 3.7514% | 3,898 |
| Net charge-offs to loans | 0.2076% | 817 |
| Credit loss provision to net charge-offs | 111.6838% | 2,089 |
| Earnings coverage of net charge-offs (x) | 12.8591% | 2,416 |
| Efficiency ratio | 48.6765% | 5,018 |
| Assets per employee ($millions) | 5.0436% | 2,417 |
| Cash dividends to net income (ytd only)* | 74.6269% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 2,746 |
| Loan loss allowance to noncurrent loans | 187.9933% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6408% | 2,269 |
| Noncurrent loans to loans | 0.6273% | 2,518 |
| Net loans and leases to total assets | 90.7310% | 54 |
| Net loans and leases to deposits | 112.7200% | 216 |
| Net loans and leases to core deposits | 116.9957% | 667 |
| Total domestic deposits to total assets | 80.4924% | 3,997 |
| Equity capital to assets | 11.8751% | 1,984 |
| Core capital (leverage) ratio | 12.0172% | 1,779 |
| Tier 1 risk-based capital ratio | 15.2878% | 2,747 |
| Total risk-based capital ratio | 16.5398% | 2,670 |
| Memoranda: | ||
| Average total assets | $207,317,000 | 2,815 |
| Average earning assets | $192,590,750 | 2,811 |
| Average equity | $24,167,750 | 2,722 |
| Average total loans | $186,910,000 | 2,287 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1151% | 645 |
| Cost of funding earning assets | 0.6547% | 1,904 |
| Net interest margin | 4.4604% | 749 |
| Noninterest income to average assets | 0.4472% | 3,170 |
| Noninterest expense to average assets | 2.1726% | 4,431 |
| Loan and lease loss provision to assets | 0.2747% | 541 |
| Net operating income to assets | 1.6752% | 759 |
| Return on assets (ROA) | 1.6752% | 767 |
| Pretax return on assets | 2.1437% | 442 |
| Return on Equity (ROE) | 14.4602% | 966 |
| Retained earnings to average equity (ytd only) | -2.1799% | 5,166 |
| Net charge-offs to loans | 0.3625% | 434 |
| Credit loss provision to net charge-offs | 84.5697% | 2,212 |
| Earnings coverage of net charge-offs (x) | 7.4451% | 2,544 |
| Efficiency ratio | 47.3231% | 5,152 |
| Assets per employee ($millions) | 5.0181% | 2,396 |
| Cash dividends to net income (ytd only)* | 115.0748% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 3,038 |
| Loan loss allowance to noncurrent loans | 366.7802% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2853% | 3,623 |
| Noncurrent loans to loans | 0.3108% | 3,590 |
| Net loans and leases to total assets | 90.7429% | 55 |
| Net loans and leases to deposits | 112.5847% | 221 |
| Net loans and leases to core deposits | 116.7103% | 680 |
| Total domestic deposits to total assets | 80.5997% | 4,102 |
| Equity capital to assets | 11.4769% | 2,215 |
| Core capital (leverage) ratio | 11.7108% | 1,902 |
| Tier 1 risk-based capital ratio | 14.8697% | 2,932 |
| Total risk-based capital ratio | 16.1205% | 2,857 |
| Memoranda: | ||
| Average total assets | $207,494,000 | 2,836 |
| Average earning assets | $192,763,670 | 2,826 |
| Average equity | $24,038,330 | 2,748 |
| Average total loans | $185,927,330 | 2,301 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0021% | 700 |
| Cost of funding earning assets | 0.6322% | 1,825 |
| Net interest margin | 4.3699% | 818 |
| Noninterest income to average assets | 0.3916% | 3,529 |
| Noninterest expense to average assets | 2.2863% | 4,216 |
| Loan and lease loss provision to assets | 0.0288% | 3,136 |
| Net operating income to assets | 1.4110% | 1,316 |
| Return on assets (ROA) | 1.4110% | 1,325 |
| Pretax return on assets | 2.1366% | 430 |
| Return on Equity (ROE) | 12.1232% | 1,536 |
| Retained earnings to average equity (ytd only) | 12.1232% | 664 |
| Net charge-offs to loans | 0.1388% | 980 |
| Credit loss provision to net charge-offs | 23.4375% | 2,104 |
| Earnings coverage of net charge-offs (x) | 17.6250% | 1,572 |
| Efficiency ratio | 51.3583% | 5,003 |
| Assets per employee ($millions) | 5.0312% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,957 |
| Loan loss allowance to noncurrent loans | 239.0244% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 3,058 |
| Noncurrent loans to loans | 0.4915% | 3,047 |
| Net loans and leases to total assets | 90.1136% | 61 |
| Net loans and leases to deposits | 109.8099% | 262 |
| Net loans and leases to core deposits | 115.5096% | 745 |
| Total domestic deposits to total assets | 82.0632% | 3,942 |
| Equity capital to assets | 12.2288% | 1,647 |
| Core capital (leverage) ratio | 12.2483% | 1,499 |
| Tier 1 risk-based capital ratio | 15.9551% | 2,498 |
| Total risk-based capital ratio | 17.2069% | 2,436 |
| Memoranda: | ||
| Average total assets | $208,369,000 | 2,862 |
| Average earning assets | $193,597,500 | 2,845 |
| Average equity | $24,251,000 | 2,751 |
| Average total loans | $184,465,500 | 2,328 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 843 |
| Cost of funding earning assets | 0.5880% | 1,686 |
| Net interest margin | 4.2886% | 984 |
| Noninterest income to average assets | 0.4398% | 3,375 |
| Noninterest expense to average assets | 2.2995% | 4,329 |
| Loan and lease loss provision to assets | 0.0544% | 3,140 |
| Net operating income to assets | 1.4572% | 891 |
| Return on assets (ROA) | 1.4572% | 897 |
| Pretax return on assets | 2.0797% | 407 |
| Return on Equity (ROE) | 13.1971% | 909 |
| Retained earnings to average equity (ytd only) | 4.5574% | 2,424 |
| Net charge-offs to loans | 0.1007% | 2,065 |
| Credit loss provision to net charge-offs | 62.2951% | 3,193 |
| Earnings coverage of net charge-offs (x) | 24.4481% | 1,756 |
| Efficiency ratio | 51.8666% | 5,107 |
| Assets per employee ($millions) | 5.2559% | 2,196 |
| Cash dividends to net income (ytd only)* | 65.4664% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,839 |
| Loan loss allowance to noncurrent loans | 268.3698% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 3,339 |
| Noncurrent loans to loans | 0.4433% | 3,189 |
| Net loans and leases to total assets | 85.0236% | 345 |
| Net loans and leases to deposits | 110.5280% | 255 |
| Net loans and leases to core deposits | 117.1522% | 684 |
| Total domestic deposits to total assets | 76.9249% | 4,856 |
| Equity capital to assets | 11.0872% | 2,551 |
| Core capital (leverage) ratio | 11.7724% | 1,747 |
| Tier 1 risk-based capital ratio | 15.1085% | 2,791 |
| Total risk-based capital ratio | 16.3603% | 2,732 |
| Memoranda: | ||
| Average total assets | $209,650,400 | 2,828 |
| Average earning assets | $195,240,400 | 2,811 |
| Average equity | $23,149,000 | 2,846 |
| Average total loans | $181,709,400 | 2,309 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8483% | 838 |
| Cost of funding earning assets | 0.5794% | 1,673 |
| Net interest margin | 4.2689% | 1,000 |
| Noninterest income to average assets | 0.4387% | 3,411 |
| Noninterest expense to average assets | 2.2818% | 4,346 |
| Loan and lease loss provision to assets | 0.0640% | 2,790 |
| Net operating income to assets | 1.4775% | 940 |
| Return on assets (ROA) | 1.4775% | 957 |
| Pretax return on assets | 2.0660% | 481 |
| Return on Equity (ROE) | 13.3950% | 959 |
| Retained earnings to average equity (ytd only) | 1.7825% | 4,712 |
| Net charge-offs to loans | 0.1202% | 1,589 |
| Credit loss provision to net charge-offs | 61.3497% | 2,791 |
| Earnings coverage of net charge-offs (x) | 20.4047% | 1,956 |
| Efficiency ratio | 51.7201% | 5,124 |
| Assets per employee ($millions) | 5.1832% | 2,241 |
| Cash dividends to net income (ytd only)* | 86.6928% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 2,940 |
| Loan loss allowance to noncurrent loans | 200.0905% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 2,972 |
| Noncurrent loans to loans | 0.5992% | 2,913 |
| Net loans and leases to total assets | 85.7429% | 274 |
| Net loans and leases to deposits | 108.8476% | 313 |
| Net loans and leases to core deposits | 115.2816% | 775 |
| Total domestic deposits to total assets | 78.7733% | 4,580 |
| Equity capital to assets | 10.8912% | 2,967 |
| Core capital (leverage) ratio | 11.6052% | 1,947 |
| Tier 1 risk-based capital ratio | 14.6354% | 3,113 |
| Total risk-based capital ratio | 15.8873% | 3,026 |
| Memoranda: | ||
| Average total assets | $208,190,000 | 2,860 |
| Average earning assets | $193,768,000 | 2,851 |
| Average equity | $22,963,250 | 2,884 |
| Average total loans | $180,780,500 | 2,327 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8151% | 840 |
| Cost of funding earning assets | 0.5694% | 1,654 |
| Net interest margin | 4.2457% | 982 |
| Noninterest income to average assets | 0.4469% | 3,376 |
| Noninterest expense to average assets | 2.2810% | 4,399 |
| Loan and lease loss provision to assets | 0.0967% | 2,068 |
| Net operating income to assets | 1.5023% | 859 |
| Return on assets (ROA) | 1.5023% | 886 |
| Pretax return on assets | 2.0150% | 514 |
| Return on Equity (ROE) | 13.5617% | 908 |
| Retained earnings to average equity (ytd only) | -3.9035% | 5,482 |
| Net charge-offs to loans | 0.2216% | 919 |
| Credit loss provision to net charge-offs | 50.2513% | 2,558 |
| Earnings coverage of net charge-offs (x) | 10.9698% | 2,306 |
| Efficiency ratio | 51.9269% | 5,180 |
| Assets per employee ($millions) | 4.9765% | 2,416 |
| Cash dividends to net income (ytd only)* | 128.7830% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,992 |
| Loan loss allowance to noncurrent loans | 228.7066% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4550% | 3,289 |
| Noncurrent loans to loans | 0.5261% | 3,181 |
| Net loans and leases to total assets | 85.4391% | 313 |
| Net loans and leases to deposits | 109.1072% | 282 |
| Net loans and leases to core deposits | 115.9590% | 716 |
| Total domestic deposits to total assets | 78.3075% | 4,768 |
| Equity capital to assets | 10.7094% | 3,126 |
| Core capital (leverage) ratio | 10.7367% | 2,670 |
| Tier 1 risk-based capital ratio | 14.4211% | 3,206 |
| Total risk-based capital ratio | 15.6728% | 3,133 |
| Memoranda: | ||
| Average total assets | $206,749,670 | 2,885 |
| Average earning assets | $192,145,670 | 2,883 |
| Average equity | $22,902,670 | 2,888 |
| Average total loans | $179,566,000 | 2,344 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7719% | 797 |
| Cost of funding earning assets | 0.5591% | 1,659 |
| Net interest margin | 4.2129% | 960 |
| Noninterest income to average assets | 0.4513% | 3,305 |
| Noninterest expense to average assets | 2.3889% | 4,148 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3053% | 1,224 |
| Return on assets (ROA) | 1.3053% | 1,258 |
| Pretax return on assets | 1.9765% | 527 |
| Return on Equity (ROE) | 11.5879% | 1,376 |
| Retained earnings to average equity (ytd only) | 11.5879% | 517 |
| Net charge-offs to loans | -0.0022% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7237% | 5,069 |
| Assets per employee ($millions) | 4.5781% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 2,686 |
| Loan loss allowance to noncurrent loans | 188.4838% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5859% | 2,893 |
| Noncurrent loans to loans | 0.6737% | 2,831 |
| Net loans and leases to total assets | 85.8574% | 233 |
| Net loans and leases to deposits | 108.2298% | 255 |
| Net loans and leases to core deposits | 115.3357% | 619 |
| Total domestic deposits to total assets | 79.3288% | 4,765 |
| Equity capital to assets | 11.4074% | 2,248 |
| Core capital (leverage) ratio | 12.0260% | 1,610 |
| Tier 1 risk-based capital ratio | 15.3185% | 2,824 |
| Total risk-based capital ratio | 16.5713% | 2,756 |
| Memoranda: | ||
| Average total assets | $205,618,500 | 2,931 |
| Average earning assets | $191,034,000 | 2,919 |
| Average equity | $23,162,000 | 2,872 |
| Average total loans | $178,972,500 | 2,371 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 622 |
| Cost of funding earning assets | 0.5260% | 1,898 |
| Net interest margin | 4.4495% | 683 |
| Noninterest income to average assets | 0.5208% | 3,094 |
| Noninterest expense to average assets | 2.3482% | 4,427 |
| Loan and lease loss provision to assets | 0.1027% | 2,332 |
| Net operating income to assets | 1.5589% | 745 |
| Return on assets (ROA) | 1.5589% | 771 |
| Pretax return on assets | 2.1972% | 327 |
| Return on Equity (ROE) | 14.1760% | 746 |
| Retained earnings to average equity (ytd only) | 5.1121% | 2,277 |
| Net charge-offs to loans | 0.0445% | 3,147 |
| Credit loss provision to net charge-offs | 264.1026% | 1,089 |
| Earnings coverage of net charge-offs (x) | 59.1667% | 903 |
| Efficiency ratio | 50.5200% | 5,463 |
| Assets per employee ($millions) | 4.8862% | 2,518 |
| Cash dividends to net income (ytd only)* | 63.9386% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,698 |
| Loan loss allowance to noncurrent loans | 254.3624% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 3,523 |
| Noncurrent loans to loans | 0.5000% | 3,365 |
| Net loans and leases to total assets | 86.0126% | 228 |
| Net loans and leases to deposits | 110.5505% | 212 |
| Net loans and leases to core deposits | 118.5658% | 523 |
| Total domestic deposits to total assets | 77.8039% | 5,002 |
| Equity capital to assets | 11.1212% | 2,516 |
| Core capital (leverage) ratio | 11.7814% | 1,735 |
| Tier 1 risk-based capital ratio | 14.9040% | 3,013 |
| Total risk-based capital ratio | 16.1570% | 2,950 |
| Memoranda: | ||
| Average total assets | $200,660,400 | 2,947 |
| Average earning assets | $186,133,000 | 2,937 |
| Average equity | $22,065,400 | 2,980 |
| Average total loans | $175,133,200 | 2,356 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0009% | 602 |
| Cost of funding earning assets | 0.5164% | 1,963 |
| Net interest margin | 4.4844% | 657 |
| Noninterest income to average assets | 0.5333% | 3,026 |
| Noninterest expense to average assets | 2.3716% | 4,349 |
| Loan and lease loss provision to assets | 0.1337% | 1,756 |
| Net operating income to assets | 1.5891% | 747 |
| Return on assets (ROA) | 1.5891% | 789 |
| Pretax return on assets | 2.1885% | 401 |
| Return on Equity (ROE) | 14.4935% | 741 |
| Retained earnings to average equity (ytd only) | 2.3038% | 4,541 |
| Net charge-offs to loans | 0.0559% | 2,561 |
| Credit loss provision to net charge-offs | 273.9726% | 1,119 |
| Earnings coverage of net charge-offs (x) | 47.6032% | 1,119 |
| Efficiency ratio | 50.5268% | 5,469 |
| Assets per employee ($millions) | 5.0352% | 2,328 |
| Cash dividends to net income (ytd only)* | 84.1042% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 2,682 |
| Loan loss allowance to noncurrent loans | 265.8480% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 3,729 |
| Noncurrent loans to loans | 0.4895% | 3,532 |
| Net loans and leases to total assets | 85.5860% | 280 |
| Net loans and leases to deposits | 109.6308% | 268 |
| Net loans and leases to core deposits | 117.9113% | 574 |
| Total domestic deposits to total assets | 78.0675% | 4,902 |
| Equity capital to assets | 10.9633% | 3,052 |
| Core capital (leverage) ratio | 11.5264% | 2,004 |
| Tier 1 risk-based capital ratio | 14.7546% | 3,161 |
| Total risk-based capital ratio | 16.0079% | 3,103 |
| Memoranda: | ||
| Average total assets | $199,520,250 | 2,968 |
| Average earning assets | $185,109,750 | 2,971 |
| Average equity | $21,876,000 | 3,022 |
| Average total loans | $174,219,000 | 2,373 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0195% | 571 |
| Cost of funding earning assets | 0.4971% | 2,121 |
| Net interest margin | 4.5224% | 589 |
| Noninterest income to average assets | 0.5209% | 3,059 |
| Noninterest expense to average assets | 2.4013% | 4,332 |
| Loan and lease loss provision to assets | 0.1659% | 1,352 |
| Net operating income to assets | 1.6391% | 657 |
| Return on assets (ROA) | 1.6391% | 699 |
| Pretax return on assets | 2.1529% | 413 |
| Return on Equity (ROE) | 14.9489% | 675 |
| Retained earnings to average equity (ytd only) | -3.3933% | 5,662 |
| Net charge-offs to loans | 0.0724% | 2,150 |
| Credit loss provision to net charge-offs | 261.9048% | 1,066 |
| Earnings coverage of net charge-offs (x) | 36.6032% | 1,224 |
| Efficiency ratio | 50.8735% | 5,514 |
| Assets per employee ($millions) | 4.7726% | 2,602 |
| Cash dividends to net income (ytd only)* | 122.6994% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 2,860 |
| Loan loss allowance to noncurrent loans | 509.7506% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 4,613 |
| Noncurrent loans to loans | 0.2524% | 4,448 |
| Net loans and leases to total assets | 86.0429% | 249 |
| Net loans and leases to deposits | 111.4584% | 218 |
| Net loans and leases to core deposits | 118.8551% | 543 |
| Total domestic deposits to total assets | 77.1973% | 5,135 |
| Equity capital to assets | 10.6406% | 3,483 |
| Core capital (leverage) ratio | 11.1197% | 2,308 |
| Tier 1 risk-based capital ratio | 14.4412% | 3,350 |
| Total risk-based capital ratio | 15.6948% | 3,280 |
| Memoranda: | ||
| Average total assets | $198,890,670 | 2,986 |
| Average earning assets | $184,679,670 | 2,991 |
| Average equity | $21,807,670 | 3,031 |
| Average total loans | $174,075,000 | 2,375 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0525% | 529 |
| Cost of funding earning assets | 0.4868% | 2,207 |
| Net interest margin | 4.5658% | 536 |
| Noninterest income to average assets | 0.4987% | 3,124 |
| Noninterest expense to average assets | 2.4713% | 4,160 |
| Loan and lease loss provision to assets | 0.0606% | 2,736 |
| Net operating income to assets | 1.4578% | 922 |
| Return on assets (ROA) | 1.4578% | 966 |
| Pretax return on assets | 2.2089% | 372 |
| Return on Equity (ROE) | 13.0993% | 1,019 |
| Retained earnings to average equity (ytd only) | 13.0993% | 382 |
| Net charge-offs to loans | 0.1611% | 1,165 |
| Credit loss provision to net charge-offs | 42.8571% | 2,120 |
| Earnings coverage of net charge-offs (x) | 16.0571% | 1,641 |
| Efficiency ratio | 52.1295% | 5,509 |
| Assets per employee ($millions) | 4.7477% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 3,452 |
| Loan loss allowance to noncurrent loans | 1,017.3913% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 5,163 |
| Noncurrent loans to loans | 0.1183% | 5,004 |
| Net loans and leases to total assets | 86.6838% | 181 |
| Net loans and leases to deposits | 116.0192% | 129 |
| Net loans and leases to core deposits | 122.9864% | 387 |
| Total domestic deposits to total assets | 74.7150% | 5,545 |
| Equity capital to assets | 11.2406% | 2,693 |
| Core capital (leverage) ratio | 11.7513% | 1,793 |
| Tier 1 risk-based capital ratio | 15.0714% | 3,122 |
| Total risk-based capital ratio | 16.3237% | 3,060 |
| Memoranda: | ||
| Average total assets | $198,111,000 | 3,007 |
| Average earning assets | $184,066,000 | 3,006 |
| Average equity | $22,047,000 | 3,021 |
| Average total loans | $173,752,000 | 2,372 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1027% | 510 |
| Cost of funding earning assets | 0.4323% | 2,825 |
| Net interest margin | 4.6704% | 478 |
| Noninterest income to average assets | 0.5169% | 3,218 |
| Noninterest expense to average assets | 2.4184% | 4,470 |
| Loan and lease loss provision to assets | 0.0641% | 3,010 |
| Net operating income to assets | 1.6497% | 631 |
| Return on assets (ROA) | 1.6497% | 651 |
| Pretax return on assets | 2.3425% | 275 |
| Return on Equity (ROE) | 14.7627% | 725 |
| Retained earnings to average equity (ytd only) | 5.1952% | 2,283 |
| Net charge-offs to loans | 0.0276% | 3,677 |
| Credit loss provision to net charge-offs | 266.6667% | 1,084 |
| Earnings coverage of net charge-offs (x) | 100.0444% | 574 |
| Efficiency ratio | 50.1219% | 5,756 |
| Assets per employee ($millions) | 4.8005% | 2,604 |
| Cash dividends to net income (ytd only)* | 64.8088% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 3,219 |
| Loan loss allowance to noncurrent loans | 288.8291% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 4,084 |
| Noncurrent loans to loans | 0.4306% | 3,919 |
| Net loans and leases to total assets | 86.5780% | 191 |
| Net loans and leases to deposits | 116.8554% | 131 |
| Net loans and leases to core deposits | 123.1753% | 404 |
| Total domestic deposits to total assets | 74.0899% | 5,634 |
| Equity capital to assets | 11.0152% | 2,805 |
| Core capital (leverage) ratio | 11.4582% | 1,992 |
| Tier 1 risk-based capital ratio | 14.7869% | 3,285 |
| Total risk-based capital ratio | 16.0396% | 3,213 |
| Memoranda: | ||
| Average total assets | $187,064,800 | 3,092 |
| Average earning assets | $172,554,400 | 3,086 |
| Average equity | $20,904,000 | 3,082 |
| Average total loans | $163,047,200 | 2,425 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1071% | 511 |
| Cost of funding earning assets | 0.4242% | 2,970 |
| Net interest margin | 4.6829% | 467 |
| Noninterest income to average assets | 0.5322% | 3,151 |
| Noninterest expense to average assets | 2.4532% | 4,338 |
| Loan and lease loss provision to assets | 0.0650% | 2,888 |
| Net operating income to assets | 1.6754% | 658 |
| Return on assets (ROA) | 1.6754% | 679 |
| Pretax return on assets | 2.3268% | 325 |
| Return on Equity (ROE) | 14.9361% | 733 |
| Retained earnings to average equity (ytd only) | 2.0602% | 4,847 |
| Net charge-offs to loans | 0.0407% | 3,075 |
| Credit loss provision to net charge-offs | 183.6735% | 1,445 |
| Earnings coverage of net charge-offs (x) | 67.5936% | 833 |
| Efficiency ratio | 50.6335% | 5,742 |
| Assets per employee ($millions) | 4.5967% | 2,838 |
| Cash dividends to net income (ytd only)* | 86.2068% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 3,382 |
| Loan loss allowance to noncurrent loans | 285.4054% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 4,227 |
| Noncurrent loans to loans | 0.4374% | 4,041 |
| Net loans and leases to total assets | 86.5319% | 201 |
| Net loans and leases to deposits | 118.2013% | 120 |
| Net loans and leases to core deposits | 124.5014% | 363 |
| Total domestic deposits to total assets | 73.2072% | 5,770 |
| Equity capital to assets | 10.8358% | 3,207 |
| Core capital (leverage) ratio | 11.3517% | 2,151 |
| Tier 1 risk-based capital ratio | 14.4277% | 3,614 |
| Total risk-based capital ratio | 15.6803% | 3,525 |
| Memoranda: | ||
| Average total assets | $184,626,250 | 3,144 |
| Average earning assets | $170,033,750 | 3,148 |
| Average equity | $20,710,000 | 3,126 |
| Average total loans | $160,672,000 | 2,468 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0960% | 508 |
| Cost of funding earning assets | 0.4229% | 3,010 |
| Net interest margin | 4.6731% | 463 |
| Noninterest income to average assets | 0.5423% | 3,093 |
| Noninterest expense to average assets | 2.5642% | 4,025 |
| Loan and lease loss provision to assets | 0.0715% | 2,683 |
| Net operating income to assets | 1.6632% | 668 |
| Return on assets (ROA) | 1.6632% | 693 |
| Pretax return on assets | 2.1979% | 415 |
| Return on Equity (ROE) | 14.6512% | 795 |
| Retained earnings to average equity (ytd only) | -4.7287% | 6,006 |
| Net charge-offs to loans | 0.0520% | 2,680 |
| Credit loss provision to net charge-offs | 158.5366% | 1,475 |
| Earnings coverage of net charge-offs (x) | 50.3171% | 952 |
| Efficiency ratio | 53.0496% | 5,647 |
| Assets per employee ($millions) | 4.4705% | 3,032 |
| Cash dividends to net income (ytd only)* | 132.2751% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 3,375 |
| Loan loss allowance to noncurrent loans | 715.0171% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 5,052 |
| Noncurrent loans to loans | 0.1782% | 5,065 |
| Net loans and leases to total assets | 86.4569% | 212 |
| Net loans and leases to deposits | 113.8084% | 186 |
| Net loans and leases to core deposits | 122.5162% | 403 |
| Total domestic deposits to total assets | 75.9670% | 5,600 |
| Equity capital to assets | 10.7114% | 3,208 |
| Core capital (leverage) ratio | 11.3310% | 2,133 |
| Tier 1 risk-based capital ratio | 14.4368% | 3,672 |
| Total risk-based capital ratio | 15.6910% | 3,595 |
| Memoranda: | ||
| Average total assets | $181,814,000 | 3,195 |
| Average earning assets | $166,954,000 | 3,211 |
| Average equity | $20,640,000 | 3,147 |
| Average total loans | $157,838,330 | 2,506 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0570% | 520 |
| Cost of funding earning assets | 0.4186% | 3,092 |
| Net interest margin | 4.6385% | 458 |
| Noninterest income to average assets | 0.5435% | 3,003 |
| Noninterest expense to average assets | 2.5856% | 3,991 |
| Loan and lease loss provision to assets | 0.1230% | 1,691 |
| Net operating income to assets | 1.3688% | 1,094 |
| Return on assets (ROA) | 1.3688% | 1,155 |
| Pretax return on assets | 2.0734% | 512 |
| Return on Equity (ROE) | 11.7107% | 1,423 |
| Retained earnings to average equity (ytd only) | 11.7107% | 610 |
| Net charge-offs to loans | 0.0854% | 1,862 |
| Credit loss provision to net charge-offs | 166.6667% | 1,169 |
| Earnings coverage of net charge-offs (x) | 29.7576% | 1,157 |
| Efficiency ratio | 54.0692% | 5,675 |
| Assets per employee ($millions) | 4.3747% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 3,164 |
| Loan loss allowance to noncurrent loans | 371.0993% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 4,730 |
| Noncurrent loans to loans | 0.3626% | 4,500 |
| Net loans and leases to total assets | 85.5560% | 218 |
| Net loans and leases to deposits | 110.9180% | 205 |
| Net loans and leases to core deposits | 117.2943% | 478 |
| Total domestic deposits to total assets | 77.1345% | 5,595 |
| Equity capital to assets | 11.8269% | 2,168 |
| Core capital (leverage) ratio | 12.2554% | 1,478 |
| Tier 1 risk-based capital ratio | 16.1332% | 2,860 |
| Total risk-based capital ratio | 17.3867% | 2,794 |
| Memoranda: | ||
| Average total assets | $178,839,500 | 3,253 |
| Average earning assets | $163,416,500 | 3,272 |
| Average equity | $20,904,000 | 3,143 |
| Average total loans | $154,543,000 | 2,559 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3578% | 409 |
| Cost of funding earning assets | 0.4235% | 3,445 |
| Net interest margin | 4.9343% | 338 |
| Noninterest income to average assets | 0.5472% | 3,187 |
| Noninterest expense to average assets | 2.5783% | 4,300 |
| Loan and lease loss provision to assets | 0.0763% | 2,949 |
| Net operating income to assets | 1.6627% | 620 |
| Return on assets (ROA) | 1.6627% | 649 |
| Pretax return on assets | 2.3807% | 237 |
| Return on Equity (ROE) | 14.2836% | 882 |
| Retained earnings to average equity (ytd only) | 4.2706% | 3,149 |
| Net charge-offs to loans | 0.3023% | 1,459 |
| Credit loss provision to net charge-offs | 29.2411% | 3,845 |
| Earnings coverage of net charge-offs (x) | 9.4107% | 2,751 |
| Efficiency ratio | 51.2037% | 6,032 |
| Assets per employee ($millions) | 4.1469% | 3,642 |
| Cash dividends to net income (ytd only)* | 70.1016% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 3,175 |
| Loan loss allowance to noncurrent loans | 198.3716% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.7801% | 3,259 |
| Noncurrent loans to loans | 0.6800% | 3,642 |
| Net loans and leases to total assets | 84.9425% | 279 |
| Net loans and leases to deposits | 112.6785% | 181 |
| Net loans and leases to core deposits | 120.2148% | 404 |
| Total domestic deposits to total assets | 75.3848% | 5,812 |
| Equity capital to assets | 11.5497% | 2,385 |
| Core capital (leverage) ratio | 11.8649% | 1,724 |
| Tier 1 risk-based capital ratio | 15.8319% | 3,039 |
| Total risk-based capital ratio | 17.0862% | 2,993 |
| Memoranda: | ||
| Average total assets | $171,587,400 | 3,316 |
| Average earning assets | $156,070,200 | 3,340 |
| Average equity | $19,974,000 | 3,162 |
| Average total loans | $148,209,600 | 2,598 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3734% | 395 |
| Cost of funding earning assets | 0.4237% | 3,535 |
| Net interest margin | 4.9497% | 327 |
| Noninterest income to average assets | 0.5211% | 3,402 |
| Noninterest expense to average assets | 2.5425% | 4,386 |
| Loan and lease loss provision to assets | 0.0541% | 3,291 |
| Net operating income to assets | 1.7241% | 589 |
| Return on assets (ROA) | 1.7241% | 609 |
| Pretax return on assets | 2.4256% | 244 |
| Return on Equity (ROE) | 14.7802% | 869 |
| Retained earnings to average equity (ytd only) | 1.3253% | 5,365 |
| Net charge-offs to loans | 0.2297% | 1,669 |
| Credit loss provision to net charge-offs | 27.2727% | 3,493 |
| Earnings coverage of net charge-offs (x) | 12.4903% | 2,312 |
| Efficiency ratio | 50.6250% | 6,072 |
| Assets per employee ($millions) | 4.2282% | 3,423 |
| Cash dividends to net income (ytd only)* | 91.0332% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 2,986 |
| Loan loss allowance to noncurrent loans | 215.0244% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.7726% | 3,502 |
| Noncurrent loans to loans | 0.6706% | 3,931 |
| Net loans and leases to total assets | 84.8326% | 269 |
| Net loans and leases to deposits | 111.6058% | 188 |
| Net loans and leases to core deposits | 115.2499% | 539 |
| Total domestic deposits to total assets | 76.0109% | 5,813 |
| Equity capital to assets | 11.2290% | 2,724 |
| Core capital (leverage) ratio | 11.7155% | 1,902 |
| Tier 1 risk-based capital ratio | 15.4215% | 3,359 |
| Total risk-based capital ratio | 16.6769% | 3,293 |
| Memoranda: | ||
| Average total assets | $169,905,000 | 3,367 |
| Average earning assets | $154,509,250 | 3,392 |
| Average equity | $19,818,750 | 3,187 |
| Average total loans | $146,877,500 | 2,629 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3891% | 381 |
| Cost of funding earning assets | 0.4276% | 3,575 |
| Net interest margin | 4.9615% | 302 |
| Noninterest income to average assets | 0.4912% | 3,540 |
| Noninterest expense to average assets | 2.5815% | 4,301 |
| Loan and lease loss provision to assets | 0.0454% | 3,408 |
| Net operating income to assets | 1.7533% | 528 |
| Return on assets (ROA) | 1.7533% | 557 |
| Pretax return on assets | 2.3711% | 265 |
| Return on Equity (ROE) | 14.8347% | 816 |
| Retained earnings to average equity (ytd only) | -5.3898% | 6,259 |
| Net charge-offs to loans | 0.2678% | 1,477 |
| Credit loss provision to net charge-offs | 19.5876% | 3,209 |
| Earnings coverage of net charge-offs (x) | 10.4227% | 2,249 |
| Efficiency ratio | 51.6499% | 6,087 |
| Assets per employee ($millions) | 4.1446% | 3,555 |
| Cash dividends to net income (ytd only)* | 136.3327% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 2,935 |
| Loan loss allowance to noncurrent loans | 236.1905% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.7603% | 3,688 |
| Noncurrent loans to loans | 0.6321% | 4,130 |
| Net loans and leases to total assets | 86.6685% | 145 |
| Net loans and leases to deposits | 112.3243% | 161 |
| Net loans and leases to core deposits | 118.4255% | 410 |
| Total domestic deposits to total assets | 77.1591% | 5,780 |
| Equity capital to assets | 11.3054% | 2,605 |
| Core capital (leverage) ratio | 11.6223% | 1,908 |
| Tier 1 risk-based capital ratio | 15.1792% | 3,535 |
| Total risk-based capital ratio | 16.4349% | 3,477 |
| Memoranda: | ||
| Average total assets | $167,345,000 | 3,416 |
| Average earning assets | $152,009,670 | 3,447 |
| Average equity | $19,778,000 | 3,197 |
| Average total loans | $144,885,330 | 2,661 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4055% | 345 |
| Cost of funding earning assets | 0.4336% | 3,608 |
| Net interest margin | 4.9719% | 288 |
| Noninterest income to average assets | 0.4818% | 3,554 |
| Noninterest expense to average assets | 2.5919% | 4,300 |
| Loan and lease loss provision to assets | 0.0650% | 2,826 |
| Net operating income to assets | 1.5369% | 754 |
| Return on assets (ROA) | 1.5369% | 788 |
| Pretax return on assets | 2.3270% | 296 |
| Return on Equity (ROE) | 12.7209% | 1,232 |
| Retained earnings to average equity (ytd only) | 12.7209% | 524 |
| Net charge-offs to loans | 0.0673% | 2,477 |
| Credit loss provision to net charge-offs | 112.5000% | 1,521 |
| Earnings coverage of net charge-offs (x) | 41.3750% | 858 |
| Efficiency ratio | 52.0058% | 6,139 |
| Assets per employee ($millions) | 4.0438% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6680% | 2,447 |
| Loan loss allowance to noncurrent loans | 201.7722% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 1.0555% | 3,144 |
| Noncurrent loans to loans | 0.8267% | 3,819 |
| Net loans and leases to total assets | 85.0177% | 184 |
| Net loans and leases to deposits | 108.3502% | 182 |
| Net loans and leases to core deposits | 114.3641% | 456 |
| Total domestic deposits to total assets | 78.4657% | 5,760 |
| Equity capital to assets | 12.2910% | 1,691 |
| Core capital (leverage) ratio | 12.5065% | 1,381 |
| Tier 1 risk-based capital ratio | 16.7609% | 2,785 |
| Total risk-based capital ratio | 18.0200% | 2,748 |
| Memoranda: | ||
| Average total assets | $166,053,500 | 3,464 |
| Average earning assets | $150,364,000 | 3,504 |
| Average equity | $20,061,500 | 3,172 |
| Average total loans | $142,575,000 | 2,698 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7508% | 250 |
| Cost of funding earning assets | 0.5030% | 3,578 |
| Net interest margin | 5.2478% | 201 |
| Noninterest income to average assets | 0.5827% | 3,194 |
| Noninterest expense to average assets | 2.6399% | 4,316 |
| Loan and lease loss provision to assets | 0.2559% | 1,407 |
| Net operating income to assets | 1.6893% | 590 |
| Return on assets (ROA) | 1.6893% | 600 |
| Pretax return on assets | 2.4214% | 222 |
| Return on Equity (ROE) | 14.4398% | 860 |
| Retained earnings to average equity (ytd only) | 1.5102% | 5,138 |
| Net charge-offs to loans | 0.6729% | 964 |
| Credit loss provision to net charge-offs | 44.7146% | 3,945 |
| Earnings coverage of net charge-offs (x) | 4.6776% | 3,491 |
| Efficiency ratio | 49.6472% | 6,412 |
| Assets per employee ($millions) | 4.0564% | 3,751 |
| Cash dividends to net income (ytd only)* | 89.5415% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 2,448 |
| Loan loss allowance to noncurrent loans | 137.0838% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 1.1641% | 3,068 |
| Noncurrent loans to loans | 1.2285% | 3,093 |
| Net loans and leases to total assets | 83.8279% | 267 |
| Net loans and leases to deposits | 107.8362% | 209 |
| Net loans and leases to core deposits | 113.4747% | 483 |
| Total domestic deposits to total assets | 77.7363% | 5,862 |
| Equity capital to assets | 11.8723% | 1,884 |
| Core capital (leverage) ratio | 12.0987% | 1,534 |
| Tier 1 risk-based capital ratio | 16.4334% | 2,889 |
| Total risk-based capital ratio | 17.6929% | 2,845 |
| Memoranda: | ||
| Average total assets | $165,274,400 | 3,482 |
| Average earning assets | $149,108,800 | 3,521 |
| Average equity | $19,335,400 | 3,240 |
| Average total loans | $140,595,800 | 2,684 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7007% | 279 |
| Cost of funding earning assets | 0.5178% | 3,588 |
| Net interest margin | 5.1830% | 219 |
| Noninterest income to average assets | 0.5995% | 3,151 |
| Noninterest expense to average assets | 2.6615% | 4,155 |
| Loan and lease loss provision to assets | 0.2666% | 1,327 |
| Net operating income to assets | 1.6709% | 653 |
| Return on assets (ROA) | 1.6709% | 688 |
| Pretax return on assets | 2.3464% | 299 |
| Return on Equity (ROE) | 14.3361% | 920 |
| Retained earnings to average equity (ytd only) | -2.9948% | 6,353 |
| Net charge-offs to loans | 0.8154% | 717 |
| Credit loss provision to net charge-offs | 38.4615% | 3,737 |
| Earnings coverage of net charge-offs (x) | 3.7692% | 3,615 |
| Efficiency ratio | 50.4596% | 6,371 |
| Assets per employee ($millions) | 3.8124% | 4,206 |
| Cash dividends to net income (ytd only)* | 120.8899% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 2,629 |
| Loan loss allowance to noncurrent loans | 118.8529% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.2725% | 3,100 |
| Noncurrent loans to loans | 1.4276% | 3,023 |
| Net loans and leases to total assets | 84.2180% | 233 |
| Net loans and leases to deposits | 107.9765% | 191 |
| Net loans and leases to core deposits | 114.8363% | 426 |
| Total domestic deposits to total assets | 77.9966% | 5,904 |
| Equity capital to assets | 11.6035% | 2,218 |
| Core capital (leverage) ratio | 11.7908% | 1,821 |
| Tier 1 risk-based capital ratio | 15.9040% | 3,250 |
| Total risk-based capital ratio | 17.1635% | 3,192 |
| Memoranda: | ||
| Average total assets | $165,015,250 | 3,523 |
| Average earning assets | $148,842,250 | 3,557 |
| Average equity | $19,233,000 | 3,284 |
| Average total loans | $140,294,000 | 2,704 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7321% | 262 |
| Cost of funding earning assets | 0.5312% | 3,587 |
| Net interest margin | 5.2008% | 207 |
| Noninterest income to average assets | 0.5805% | 3,313 |
| Noninterest expense to average assets | 2.6957% | 4,048 |
| Loan and lease loss provision to assets | 0.2419% | 1,542 |
| Net operating income to assets | 1.7137% | 609 |
| Return on assets (ROA) | 1.7137% | 663 |
| Pretax return on assets | 2.3196% | 339 |
| Return on Equity (ROE) | 14.6814% | 871 |
| Retained earnings to average equity (ytd only) | -11.2209% | 6,694 |
| Net charge-offs to loans | 1.0981% | 544 |
| Credit loss provision to net charge-offs | 25.9740% | 3,649 |
| Earnings coverage of net charge-offs (x) | 2.7506% | 3,597 |
| Efficiency ratio | 51.2767% | 6,329 |
| Assets per employee ($millions) | 4.0173% | 3,763 |
| Cash dividends to net income (ytd only)* | 176.4291% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 2,823 |
| Loan loss allowance to noncurrent loans | 256.1269% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 4,734 |
| Noncurrent loans to loans | 0.6590% | 4,622 |
| Net loans and leases to total assets | 82.7873% | 307 |
| Net loans and leases to deposits | 104.6404% | 256 |
| Net loans and leases to core deposits | 112.2721% | 481 |
| Total domestic deposits to total assets | 79.1160% | 5,788 |
| Equity capital to assets | 11.1554% | 2,607 |
| Core capital (leverage) ratio | 11.4869% | 1,946 |
| Tier 1 risk-based capital ratio | 15.3057% | 3,593 |
| Total risk-based capital ratio | 16.5648% | 3,542 |
| Memoranda: | ||
| Average total assets | $165,375,670 | 3,537 |
| Average earning assets | $148,707,000 | 3,583 |
| Average equity | $19,303,330 | 3,294 |
| Average total loans | $140,243,670 | 2,713 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5795% | 324 |
| Cost of funding earning assets | 0.5333% | 3,743 |
| Net interest margin | 5.0462% | 274 |
| Noninterest income to average assets | 0.5383% | 3,511 |
| Noninterest expense to average assets | 2.6529% | 4,232 |
| Loan and lease loss provision to assets | 0.2414% | 1,500 |
| Net operating income to assets | 1.4749% | 901 |
| Return on assets (ROA) | 1.4749% | 984 |
| Pretax return on assets | 2.2353% | 389 |
| Return on Equity (ROE) | 12.3634% | 1,327 |
| Retained earnings to average equity (ytd only) | 12.3634% | 650 |
| Net charge-offs to loans | 0.0879% | 2,958 |
| Credit loss provision to net charge-offs | 322.5806% | 751 |
| Earnings coverage of net charge-offs (x) | 33.0968% | 911 |
| Efficiency ratio | 51.7176% | 6,399 |
| Assets per employee ($millions) | 3.9082% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1238% | 1,745 |
| Loan loss allowance to noncurrent loans | 85.4113% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 2.1658% | 2,165 |
| Noncurrent loans to loans | 2.4866% | 2,076 |
| Net loans and leases to total assets | 83.6652% | 202 |
| Net loans and leases to deposits | 107.1324% | 182 |
| Net loans and leases to core deposits | 115.0809% | 368 |
| Total domestic deposits to total assets | 78.0951% | 6,103 |
| Equity capital to assets | 12.2281% | 1,888 |
| Core capital (leverage) ratio | 12.4111% | 1,378 |
| Tier 1 risk-based capital ratio | 16.6378% | 2,932 |
| Total risk-based capital ratio | 17.9024% | 2,892 |
| Memoranda: | ||
| Average total assets | $165,708,500 | 3,570 |
| Average earning assets | $150,766,500 | 3,579 |
| Average equity | $19,768,000 | 3,273 |
| Average total loans | $141,015,500 | 2,711 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8130% | 357 |
| Cost of funding earning assets | 0.7525% | 3,070 |
| Net interest margin | 5.0605% | 344 |
| Noninterest income to average assets | 0.6475% | 3,003 |
| Noninterest expense to average assets | 2.4747% | 5,176 |
| Loan and lease loss provision to assets | 0.3325% | 2,039 |
| Net operating income to assets | 1.6766% | 646 |
| Return on assets (ROA) | 1.6766% | 725 |
| Pretax return on assets | 2.4348% | 277 |
| Return on Equity (ROE) | 15.0080% | 808 |
| Retained earnings to average equity (ytd only) | 4.1836% | 3,285 |
| Net charge-offs to loans | 0.0189% | 5,648 |
| Credit loss provision to net charge-offs | 2,115.3846% | 111 |
| Earnings coverage of net charge-offs (x) | 176.0385% | 238 |
| Efficiency ratio | 47.2088% | 6,747 |
| Assets per employee ($millions) | 4.1818% | 3,588 |
| Cash dividends to net income (ytd only)* | 72.1241% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0541% | 1,880 |
| Loan loss allowance to noncurrent loans | 81.5178% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 2.1349% | 2,292 |
| Noncurrent loans to loans | 2.5198% | 2,094 |
| Net loans and leases to total assets | 82.9833% | 270 |
| Net loans and leases to deposits | 106.7574% | 210 |
| Net loans and leases to core deposits | 116.7721% | 340 |
| Total domestic deposits to total assets | 77.7307% | 6,120 |
| Equity capital to assets | 11.6362% | 2,317 |
| Core capital (leverage) ratio | 12.0193% | 1,552 |
| Tier 1 risk-based capital ratio | 15.9780% | 3,176 |
| Total risk-based capital ratio | 17.2422% | 3,119 |
| Memoranda: | ||
| Average total assets | $165,393,800 | 3,529 |
| Average earning assets | $150,162,600 | 3,548 |
| Average equity | $18,476,800 | 3,408 |
| Average total loans | $137,855,400 | 2,741 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8275% | 383 |
| Cost of funding earning assets | 0.8139% | 2,832 |
| Net interest margin | 5.0136% | 394 |
| Noninterest income to average assets | 0.6306% | 3,108 |
| Noninterest expense to average assets | 2.4544% | 5,230 |
| Loan and lease loss provision to assets | 0.3234% | 2,033 |
| Net operating income to assets | 1.6799% | 722 |
| Return on assets (ROA) | 1.6799% | 802 |
| Pretax return on assets | 2.4043% | 339 |
| Return on Equity (ROE) | 15.1980% | 865 |
| Retained earnings to average equity (ytd only) | 0.5705% | 5,923 |
| Net charge-offs to loans | -0.0487% | 6,702 |
| Credit loss provision to net charge-offs | -800.0000% | 6,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3635% | 6,754 |
| Assets per employee ($millions) | 4.0250% | 3,820 |
| Cash dividends to net income (ytd only)* | 96.2463% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0198% | 2,111 |
| Loan loss allowance to noncurrent loans | 80.5737% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 2.1336% | 2,512 |
| Noncurrent loans to loans | 2.5068% | 2,286 |
| Net loans and leases to total assets | 83.3938% | 257 |
| Net loans and leases to deposits | 104.7560% | 266 |
| Net loans and leases to core deposits | 115.4289% | 396 |
| Total domestic deposits to total assets | 79.6077% | 5,746 |
| Equity capital to assets | 11.3766% | 2,874 |
| Core capital (leverage) ratio | 11.6676% | 1,858 |
| Tier 1 risk-based capital ratio | 15.5853% | 3,486 |
| Total risk-based capital ratio | 16.8490% | 3,451 |
| Memoranda: | ||
| Average total assets | $164,924,500 | 3,569 |
| Average earning assets | $149,723,250 | 3,593 |
| Average equity | $18,230,000 | 3,473 |
| Average total loans | $136,889,750 | 2,792 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8610% | 369 |
| Cost of funding earning assets | 0.8972% | 2,425 |
| Net interest margin | 4.9639% | 426 |
| Noninterest income to average assets | 0.6174% | 3,150 |
| Noninterest expense to average assets | 2.4646% | 5,247 |
| Loan and lease loss provision to assets | 0.3032% | 2,166 |
| Net operating income to assets | 1.6872% | 691 |
| Return on assets (ROA) | 1.6872% | 775 |
| Pretax return on assets | 2.3458% | 383 |
| Return on Equity (ROE) | 15.4139% | 865 |
| Retained earnings to average equity (ytd only) | -6.7484% | 6,710 |
| Net charge-offs to loans | -0.0811% | 6,807 |
| Credit loss provision to net charge-offs | -454.5455% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1973% | 6,767 |
| Assets per employee ($millions) | 4.2676% | 3,325 |
| Cash dividends to net income (ytd only)* | 143.7815% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9539% | 2,363 |
| Loan loss allowance to noncurrent loans | 76.3905% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 2.1293% | 2,630 |
| Noncurrent loans to loans | 2.5578% | 2,356 |
| Net loans and leases to total assets | 81.1616% | 389 |
| Net loans and leases to deposits | 101.0087% | 382 |
| Net loans and leases to core deposits | 111.1803% | 532 |
| Total domestic deposits to total assets | 80.3511% | 5,648 |
| Equity capital to assets | 10.8708% | 3,263 |
| Core capital (leverage) ratio | 10.8502% | 2,434 |
| Tier 1 risk-based capital ratio | 15.1081% | 3,699 |
| Total risk-based capital ratio | 16.3704% | 3,656 |
| Memoranda: | ||
| Average total assets | $164,891,670 | 3,588 |
| Average earning assets | $149,359,330 | 3,617 |
| Average equity | $18,048,670 | 3,491 |
| Average total loans | $135,701,000 | 2,824 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7246% | 494 |
| Cost of funding earning assets | 0.9460% | 2,334 |
| Net interest margin | 4.7786% | 591 |
| Noninterest income to average assets | 0.5874% | 3,315 |
| Noninterest expense to average assets | 2.5713% | 4,920 |
| Loan and lease loss provision to assets | 0.1219% | 3,820 |
| Net operating income to assets | 1.4624% | 1,098 |
| Return on assets (ROA) | 1.4624% | 1,227 |
| Pretax return on assets | 2.2155% | 522 |
| Return on Equity (ROE) | 13.3137% | 1,319 |
| Retained earnings to average equity (ytd only) | -31.0654% | 7,143 |
| Net charge-offs to loans | -0.1782% | 6,965 |
| Credit loss provision to net charge-offs | -83.3333% | 5,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3833% | 6,502 |
| Assets per employee ($millions) | 4.1830% | 3,616 |
| Cash dividends to net income (ytd only)* | 333.3333% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 2,848 |
| Loan loss allowance to noncurrent loans | 79.0440% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.9137% | 3,028 |
| Noncurrent loans to loans | 2.3377% | 2,765 |
| Net loans and leases to total assets | 79.2719% | 472 |
| Net loans and leases to deposits | 98.3203% | 429 |
| Net loans and leases to core deposits | 109.0075% | 570 |
| Total domestic deposits to total assets | 80.6262% | 5,693 |
| Equity capital to assets | 10.3497% | 3,671 |
| Core capital (leverage) ratio | 10.5364% | 2,711 |
| Tier 1 risk-based capital ratio | 14.5379% | 4,074 |
| Total risk-based capital ratio | 15.7980% | 4,026 |
| Memoranda: | ||
| Average total assets | $164,119,000 | 3,618 |
| Average earning assets | $148,412,500 | 3,652 |
| Average equity | $18,026,500 | 3,501 |
| Average total loans | $134,664,000 | 2,859 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8071% | 637 |
| Cost of funding earning assets | 1.1314% | 2,459 |
| Net interest margin | 4.6757% | 790 |
| Noninterest income to average assets | 0.5193% | 3,721 |
| Noninterest expense to average assets | 2.5698% | 5,199 |
| Loan and lease loss provision to assets | 0.3757% | 2,739 |
| Net operating income to assets | 1.2935% | 1,264 |
| Return on assets (ROA) | 1.2874% | 1,382 |
| Pretax return on assets | 1.8288% | 759 |
| Return on Equity (ROE) | 11.6195% | 1,524 |
| Retained earnings to average equity (ytd only) | 3.2801% | 3,891 |
| Net charge-offs to loans | 0.1006% | 5,349 |
| Credit loss provision to net charge-offs | 451.8519% | 500 |
| Earnings coverage of net charge-offs (x) | 26.5852% | 936 |
| Efficiency ratio | 53.7560% | 6,536 |
| Assets per employee ($millions) | 3.8314% | 4,246 |
| Cash dividends to net income (ytd only)* | 71.7703% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 2,937 |
| Loan loss allowance to noncurrent loans | 122.6619% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 1.2093% | 4,219 |
| Noncurrent loans to loans | 1.4501% | 3,989 |
| Net loans and leases to total assets | 81.9089% | 344 |
| Net loans and leases to deposits | 102.1182% | 370 |
| Net loans and leases to core deposits | 112.0608% | 561 |
| Total domestic deposits to total assets | 80.2099% | 5,682 |
| Equity capital to assets | 11.6431% | 2,391 |
| Core capital (leverage) ratio | 11.5360% | 1,864 |
| Tier 1 risk-based capital ratio | 15.8660% | 3,118 |
| Total risk-based capital ratio | 17.1252% | 3,075 |
| Memoranda: | ||
| Average total assets | $162,348,200 | 3,600 |
| Average earning assets | $147,957,400 | 3,602 |
| Average equity | $17,987,000 | 3,423 |
| Average total loans | $134,152,800 | 2,918 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7299% | 806 |
| Cost of funding earning assets | 1.1634% | 2,544 |
| Net interest margin | 4.5665% | 1,012 |
| Noninterest income to average assets | 0.5048% | 3,836 |
| Noninterest expense to average assets | 2.5796% | 5,152 |
| Loan and lease loss provision to assets | 0.3688% | 2,644 |
| Net operating income to assets | 1.2530% | 1,509 |
| Return on assets (ROA) | 1.2530% | 1,613 |
| Pretax return on assets | 1.7315% | 1,076 |
| Return on Equity (ROE) | 11.4531% | 1,702 |
| Retained earnings to average equity (ytd only) | 0.2173% | 5,893 |
| Net charge-offs to loans | 0.1242% | 4,798 |
| Credit loss provision to net charge-offs | 360.0000% | 791 |
| Earnings coverage of net charge-offs (x) | 20.5043% | 1,217 |
| Efficiency ratio | 55.1217% | 6,374 |
| Assets per employee ($millions) | 3.7700% | 4,367 |
| Cash dividends to net income (ytd only)* | 98.1031% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6812% | 3,337 |
| Loan loss allowance to noncurrent loans | 114.7768% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.2023% | 4,390 |
| Noncurrent loans to loans | 1.4647% | 4,102 |
| Net loans and leases to total assets | 80.7008% | 445 |
| Net loans and leases to deposits | 100.6609% | 441 |
| Net loans and leases to core deposits | 110.1667% | 665 |
| Total domestic deposits to total assets | 80.1709% | 5,683 |
| Equity capital to assets | 11.2282% | 2,937 |
| Core capital (leverage) ratio | 11.2105% | 2,224 |
| Tier 1 risk-based capital ratio | 15.4033% | 3,431 |
| Total risk-based capital ratio | 16.6611% | 3,406 |
| Memoranda: | ||
| Average total assets | $162,705,500 | 3,626 |
| Average earning assets | $148,760,500 | 3,621 |
| Average equity | $17,799,750 | 3,454 |
| Average total loans | $134,142,500 | 2,939 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6605% | 943 |
| Cost of funding earning assets | 1.2016% | 2,576 |
| Net interest margin | 4.4589% | 1,228 |
| Noninterest income to average assets | 0.4764% | 4,056 |
| Noninterest expense to average assets | 2.6077% | 5,154 |
| Loan and lease loss provision to assets | 0.3683% | 2,587 |
| Net operating income to assets | 1.2179% | 1,520 |
| Return on assets (ROA) | 1.2179% | 1,600 |
| Pretax return on assets | 1.5960% | 1,266 |
| Return on Equity (ROE) | 11.2308% | 1,718 |
| Retained earnings to average equity (ytd only) | -5.7513% | 6,634 |
| Net charge-offs to loans | 0.1651% | 4,184 |
| Credit loss provision to net charge-offs | 270.2703% | 1,126 |
| Earnings coverage of net charge-offs (x) | 14.4144% | 1,483 |
| Efficiency ratio | 57.0354% | 6,292 |
| Assets per employee ($millions) | 3.6808% | 4,499 |
| Cash dividends to net income (ytd only)* | 151.2097% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 3,801 |
| Loan loss allowance to noncurrent loans | 90.9130% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.4547% | 4,037 |
| Noncurrent loans to loans | 1.7328% | 3,841 |
| Net loans and leases to total assets | 81.0516% | 442 |
| Net loans and leases to deposits | 100.0602% | 490 |
| Net loans and leases to core deposits | 110.0429% | 719 |
| Total domestic deposits to total assets | 81.0029% | 5,527 |
| Equity capital to assets | 10.9190% | 3,036 |
| Core capital (leverage) ratio | 10.7725% | 2,451 |
| Tier 1 risk-based capital ratio | 14.8149% | 3,603 |
| Total risk-based capital ratio | 16.0699% | 3,569 |
| Memoranda: | ||
| Average total assets | $162,904,000 | 3,633 |
| Average earning assets | $149,634,330 | 3,628 |
| Average equity | $17,665,670 | 3,469 |
| Average total loans | $134,503,000 | 2,952 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7137% | 855 |
| Cost of funding earning assets | 1.2579% | 2,451 |
| Net interest margin | 4.4558% | 1,162 |
| Noninterest income to average assets | 0.4505% | 4,281 |
| Noninterest expense to average assets | 2.6123% | 5,174 |
| Loan and lease loss provision to assets | 0.3672% | 2,363 |
| Net operating income to assets | 1.0528% | 1,992 |
| Return on assets (ROA) | 1.0528% | 2,044 |
| Pretax return on assets | 1.5645% | 1,265 |
| Return on Equity (ROE) | 9.7415% | 2,190 |
| Retained earnings to average equity (ytd only) | -24.2404% | 7,230 |
| Net charge-offs to loans | 0.1185% | 3,822 |
| Credit loss provision to net charge-offs | 375.0000% | 879 |
| Earnings coverage of net charge-offs (x) | 19.7250% | 1,126 |
| Efficiency ratio | 57.4892% | 6,327 |
| Assets per employee ($millions) | 3.7755% | 4,359 |
| Cash dividends to net income (ytd only)* | 348.8372% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 4,170 |
| Loan loss allowance to noncurrent loans | 75.2792% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.7149% | 3,686 |
| Noncurrent loans to loans | 2.0036% | 3,572 |
| Net loans and leases to total assets | 81.3288% | 411 |
| Net loans and leases to deposits | 100.2057% | 456 |
| Net loans and leases to core deposits | 109.2517% | 770 |
| Total domestic deposits to total assets | 81.1618% | 5,616 |
| Equity capital to assets | 10.5429% | 3,135 |
| Core capital (leverage) ratio | 10.5842% | 2,522 |
| Tier 1 risk-based capital ratio | 14.2914% | 3,877 |
| Total risk-based capital ratio | 15.5046% | 3,865 |
| Memoranda: | ||
| Average total assets | $163,378,000 | 3,647 |
| Average earning assets | $150,095,500 | 3,638 |
| Average equity | $17,656,500 | 3,459 |
| Average total loans | $135,070,000 | 2,982 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9987% | 850 |
| Cost of funding earning assets | 1.7163% | 1,522 |
| Net interest margin | 4.2824% | 1,886 |
| Noninterest income to average assets | 0.6015% | 3,466 |
| Noninterest expense to average assets | 2.4631% | 5,907 |
| Loan and lease loss provision to assets | 0.6837% | 2,408 |
| Net operating income to assets | 0.9904% | 2,068 |
| Return on assets (ROA) | 1.0491% | 1,975 |
| Pretax return on assets | 1.4679% | 1,459 |
| Return on Equity (ROE) | 9.6085% | 2,072 |
| Retained earnings to average equity (ytd only) | 1.1849% | 4,954 |
| Net charge-offs to loans | 0.1982% | 5,102 |
| Credit loss provision to net charge-offs | 417.6030% | 570 |
| Earnings coverage of net charge-offs (x) | 12.6367% | 1,483 |
| Efficiency ratio | 54.3499% | 6,769 |
| Assets per employee ($millions) | 3.8235% | 4,200 |
| Cash dividends to net income (ytd only)* | 87.6680% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 4,484 |
| Loan loss allowance to noncurrent loans | 61.2036% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 1.9597% | 3,396 |
| Noncurrent loans to loans | 2.2956% | 3,227 |
| Net loans and leases to total assets | 81.6082% | 484 |
| Net loans and leases to deposits | 100.8266% | 535 |
| Net loans and leases to core deposits | 112.3615% | 793 |
| Total domestic deposits to total assets | 80.9391% | 5,540 |
| Equity capital to assets | 11.0681% | 2,630 |
| Core capital (leverage) ratio | 11.1100% | 2,077 |
| Tier 1 risk-based capital ratio | 15.0495% | 3,216 |
| Total risk-based capital ratio | 16.2732% | 3,192 |
| Memoranda: | ||
| Average total assets | $163,087,400 | 3,645 |
| Average earning assets | $149,681,400 | 3,640 |
| Average equity | $17,807,200 | 3,458 |
| Average total loans | $134,697,800 | 3,038 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9787% | 978 |
| Cost of funding earning assets | 1.8013% | 1,417 |
| Net interest margin | 4.1774% | 2,305 |
| Noninterest income to average assets | 0.5890% | 3,510 |
| Noninterest expense to average assets | 2.4158% | 5,983 |
| Loan and lease loss provision to assets | 0.7496% | 2,044 |
| Net operating income to assets | 0.9282% | 2,502 |
| Return on assets (ROA) | 1.0101% | 2,321 |
| Pretax return on assets | 1.3681% | 1,976 |
| Return on Equity (ROE) | 9.2828% | 2,393 |
| Retained earnings to average equity (ytd only) | -2.0101% | 6,203 |
| Net charge-offs to loans | 0.1637% | 5,011 |
| Credit loss provision to net charge-offs | 554.5455% | 518 |
| Earnings coverage of net charge-offs (x) | 14.8488% | 1,478 |
| Efficiency ratio | 54.6212% | 6,729 |
| Assets per employee ($millions) | 3.9286% | 3,979 |
| Cash dividends to net income (ytd only)* | 121.6544% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 4,753 |
| Loan loss allowance to noncurrent loans | 39.6416% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 2.8327% | 2,562 |
| Noncurrent loans to loans | 3.3806% | 2,355 |
| Net loans and leases to total assets | 80.9360% | 627 |
| Net loans and leases to deposits | 102.1142% | 527 |
| Net loans and leases to core deposits | 113.2754% | 874 |
| Total domestic deposits to total assets | 79.2603% | 5,947 |
| Equity capital to assets | 10.7817% | 3,191 |
| Core capital (leverage) ratio | 10.8524% | 2,371 |
| Tier 1 risk-based capital ratio | 13.4269% | 4,245 |
| Total risk-based capital ratio | 14.6530% | 4,236 |
| Memoranda: | ||
| Average total assets | $162,756,750 | 3,704 |
| Average earning assets | $149,372,000 | 3,694 |
| Average equity | $17,709,750 | 3,521 |
| Average total loans | $134,351,250 | 3,090 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8930% | 1,205 |
| Cost of funding earning assets | 1.8501% | 1,434 |
| Net interest margin | 4.0430% | 2,825 |
| Noninterest income to average assets | 0.5654% | 3,582 |
| Noninterest expense to average assets | 2.2777% | 6,415 |
| Loan and lease loss provision to assets | 0.9444% | 1,552 |
| Net operating income to assets | 0.8362% | 2,798 |
| Return on assets (ROA) | 0.9679% | 2,390 |
| Pretax return on assets | 1.2222% | 2,342 |
| Return on Equity (ROE) | 8.8673% | 2,521 |
| Retained earnings to average equity (ytd only) | -8.0982% | 6,823 |
| Net charge-offs to loans | 0.2313% | 4,216 |
| Credit loss provision to net charge-offs | 493.5484% | 753 |
| Earnings coverage of net charge-offs (x) | 10.4516% | 1,887 |
| Efficiency ratio | 53.2468% | 6,958 |
| Assets per employee ($millions) | 3.9773% | 3,813 |
| Cash dividends to net income (ytd only)* | 191.3265% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 5,215 |
| Loan loss allowance to noncurrent loans | 50.5587% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.0905% | 3,390 |
| Noncurrent loans to loans | 2.4623% | 3,183 |
| Net loans and leases to total assets | 81.4320% | 608 |
| Net loans and leases to deposits | 103.6652% | 501 |
| Net loans and leases to core deposits | 116.4995% | 827 |
| Total domestic deposits to total assets | 78.5529% | 6,142 |
| Equity capital to assets | 10.6359% | 3,238 |
| Core capital (leverage) ratio | 10.6441% | 2,504 |
| Tier 1 risk-based capital ratio | 14.5686% | 3,403 |
| Total risk-based capital ratio | 15.8207% | 3,367 |
| Memoranda: | ||
| Average total assets | $162,008,330 | 3,742 |
| Average earning assets | $148,752,000 | 3,723 |
| Average equity | $17,683,000 | 3,514 |
| Average total loans | $134,015,000 | 3,123 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0217% | 936 |
| Cost of funding earning assets | 1.9433% | 1,269 |
| Net interest margin | 4.0783% | 2,536 |
| Noninterest income to average assets | 0.4954% | 4,082 |
| Noninterest expense to average assets | 2.3954% | 6,105 |
| Loan and lease loss provision to assets | 0.7184% | 1,772 |
| Net operating income to assets | 0.7815% | 3,052 |
| Return on assets (ROA) | 1.0156% | 2,191 |
| Pretax return on assets | 1.4590% | 1,619 |
| Return on Equity (ROE) | 9.1864% | 2,431 |
| Retained earnings to average equity (ytd only) | -13.2194% | 7,134 |
| Net charge-offs to loans | 0.2810% | 3,288 |
| Credit loss provision to net charge-offs | 308.5106% | 1,276 |
| Earnings coverage of net charge-offs (x) | 7.9149% | 2,021 |
| Efficiency ratio | 56.5167% | 6,696 |
| Assets per employee ($millions) | 3.7507% | 4,430 |
| Cash dividends to net income (ytd only)* | 243.9024% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 6,687 |
| Loan loss allowance to noncurrent loans | 47.7997% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 1.6952% | 3,937 |
| Noncurrent loans to loans | 1.9790% | 3,817 |
| Net loans and leases to total assets | 81.8073% | 614 |
| Net loans and leases to deposits | 105.9301% | 425 |
| Net loans and leases to core deposits | 118.7272% | 837 |
| Total domestic deposits to total assets | 77.2277% | 6,511 |
| Equity capital to assets | 10.8563% | 2,887 |
| Core capital (leverage) ratio | 10.7378% | 2,427 |
| Tier 1 risk-based capital ratio | 14.8358% | 3,191 |
| Total risk-based capital ratio | 15.9172% | 3,243 |
| Memoranda: | ||
| Average total assets | $161,477,000 | 3,808 |
| Average earning assets | $148,198,500 | 3,793 |
| Average equity | $17,852,500 | 3,510 |
| Average total loans | $133,789,500 | 3,190 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2234% | 1,181 |
| Cost of funding earning assets | 2.1333% | 2,319 |
| Net interest margin | 4.0901% | 2,500 |
| Noninterest income to average assets | 0.5710% | 3,850 |
| Noninterest expense to average assets | 2.5356% | 6,008 |
| Loan and lease loss provision to assets | 0.4975% | 3,887 |
| Net operating income to assets | 0.9400% | 2,052 |
| Return on assets (ROA) | 0.9400% | 2,108 |
| Pretax return on assets | 1.3034% | 1,682 |
| Return on Equity (ROE) | 8.5965% | 2,161 |
| Retained earnings to average equity (ytd only) | 0.1187% | 4,833 |
| Net charge-offs to loans | 0.6930% | 3,108 |
| Credit loss provision to net charge-offs | 86.8393% | 6,105 |
| Earnings coverage of net charge-offs (x) | 3.1435% | 3,489 |
| Efficiency ratio | 58.4723% | 6,700 |
| Assets per employee ($millions) | 3.6744% | 4,583 |
| Cash dividends to net income (ytd only)* | 98.6193% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 7,152 |
| Loan loss allowance to noncurrent loans | 31.2115% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 2.4122% | 2,883 |
| Noncurrent loans to loans | 2.5368% | 3,017 |
| Net loans and leases to total assets | 82.4599% | 619 |
| Net loans and leases to deposits | 119.4201% | 181 |
| Net loans and leases to core deposits | 146.0416% | 609 |
| Total domestic deposits to total assets | 69.0503% | 7,485 |
| Equity capital to assets | 11.2547% | 2,494 |
| Core capital (leverage) ratio | 11.2093% | 2,096 |
| Tier 1 risk-based capital ratio | 14.5470% | 3,177 |
| Total risk-based capital ratio | 15.4128% | 3,358 |
| Memoranda: | ||
| Average total assets | $161,812,800 | 3,736 |
| Average earning assets | $148,971,000 | 3,732 |
| Average equity | $17,693,200 | 3,553 |
| Average total loans | $133,759,000 | 3,195 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2878% | 1,163 |
| Cost of funding earning assets | 2.1761% | 2,525 |
| Net interest margin | 4.1117% | 2,350 |
| Noninterest income to average assets | 0.5742% | 3,899 |
| Noninterest expense to average assets | 2.5167% | 6,016 |
| Loan and lease loss provision to assets | 0.5396% | 3,230 |
| Net operating income to assets | 0.9696% | 2,164 |
| Return on assets (ROA) | 0.9696% | 2,218 |
| Pretax return on assets | 1.3065% | 1,941 |
| Return on Equity (ROE) | 8.9329% | 2,283 |
| Retained earnings to average equity (ytd only) | -2.4515% | 5,812 |
| Net charge-offs to loans | 0.5579% | 3,009 |
| Credit loss provision to net charge-offs | 117.1735% | 4,344 |
| Earnings coverage of net charge-offs (x) | 4.0090% | 3,301 |
| Efficiency ratio | 57.6850% | 6,762 |
| Assets per employee ($millions) | 3.8161% | 4,156 |
| Cash dividends to net income (ytd only)* | 127.4430% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 6,466 |
| Loan loss allowance to noncurrent loans | 29.0835% | 6,529 |
| Noncurrent assets plus other real estate owned to assets | 3.1702% | 2,143 |
| Noncurrent loans to loans | 3.3165% | 2,275 |
| Net loans and leases to total assets | 82.1258% | 790 |
| Net loans and leases to deposits | 118.8654% | 224 |
| Net loans and leases to core deposits | 144.2088% | 756 |
| Total domestic deposits to total assets | 69.0914% | 7,490 |
| Equity capital to assets | 11.1570% | 2,868 |
| Core capital (leverage) ratio | 11.0108% | 2,396 |
| Tier 1 risk-based capital ratio | 14.4311% | 3,312 |
| Total risk-based capital ratio | 15.4864% | 3,366 |
| Memoranda: | ||
| Average total assets | $161,847,250 | 3,763 |
| Average earning assets | $149,131,000 | 3,739 |
| Average equity | $17,567,500 | 3,603 |
| Average total loans | $133,603,500 | 3,232 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2474% | 1,337 |
| Cost of funding earning assets | 2.2138% | 2,728 |
| Net interest margin | 4.0335% | 2,569 |
| Noninterest income to average assets | 0.5494% | 4,043 |
| Noninterest expense to average assets | 2.4992% | 6,131 |
| Loan and lease loss provision to assets | 0.6097% | 2,611 |
| Net operating income to assets | 0.9238% | 2,367 |
| Return on assets (ROA) | 0.9238% | 2,460 |
| Pretax return on assets | 1.1591% | 2,432 |
| Return on Equity (ROE) | 8.5898% | 2,525 |
| Retained earnings to average equity (ytd only) | -8.5898% | 6,729 |
| Net charge-offs to loans | 0.5395% | 2,709 |
| Credit loss provision to net charge-offs | 137.1191% | 3,406 |
| Earnings coverage of net charge-offs (x) | 3.9778% | 3,256 |
| Efficiency ratio | 58.5570% | 6,756 |
| Assets per employee ($millions) | 3.8201% | 4,050 |
| Cash dividends to net income (ytd only)* | 200.0000% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 6,297 |
| Loan loss allowance to noncurrent loans | 30.6425% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 2.6869% | 2,389 |
| Noncurrent loans to loans | 3.2440% | 2,190 |
| Net loans and leases to total assets | 82.0038% | 957 |
| Net loans and leases to deposits | 120.0695% | 234 |
| Net loans and leases to core deposits | 143.2798% | 871 |
| Total domestic deposits to total assets | 68.2969% | 7,602 |
| Equity capital to assets | 10.8293% | 3,080 |
| Core capital (leverage) ratio | 10.6130% | 2,724 |
| Tier 1 risk-based capital ratio | 14.1649% | 3,423 |
| Total risk-based capital ratio | 15.2589% | 3,455 |
| Memoranda: | ||
| Average total assets | $162,371,000 | 3,775 |
| Average earning assets | $149,695,000 | 3,751 |
| Average equity | $17,462,670 | 3,626 |
| Average total loans | $133,834,670 | 3,272 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3086% | 1,276 |
| Cost of funding earning assets | 2.2791% | 2,798 |
| Net interest margin | 4.0295% | 2,536 |
| Noninterest income to average assets | 0.4898% | 4,411 |
| Noninterest expense to average assets | 2.4343% | 6,079 |
| Loan and lease loss provision to assets | 0.4531% | 2,656 |
| Net operating income to assets | 0.8694% | 2,839 |
| Return on assets (ROA) | 0.8694% | 2,987 |
| Pretax return on assets | 1.3175% | 2,219 |
| Return on Equity (ROE) | 8.1113% | 3,093 |
| Retained earnings to average equity (ytd only) | -26.1617% | 7,795 |
| Net charge-offs to loans | 0.4050% | 2,484 |
| Credit loss provision to net charge-offs | 136.0294% | 2,987 |
| Earnings coverage of net charge-offs (x) | 5.3162% | 2,700 |
| Efficiency ratio | 57.8917% | 6,718 |
| Assets per employee ($millions) | 3.8127% | 4,061 |
| Cash dividends to net income (ytd only)* | 422.5352% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 6,677 |
| Loan loss allowance to noncurrent loans | 61.6267% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 1.2223% | 4,237 |
| Noncurrent loans to loans | 1.4841% | 4,072 |
| Net loans and leases to total assets | 81.6105% | 1,079 |
| Net loans and leases to deposits | 125.2216% | 198 |
| Net loans and leases to core deposits | 147.8072% | 787 |
| Total domestic deposits to total assets | 65.1729% | 7,780 |
| Equity capital to assets | 10.3716% | 3,590 |
| Core capital (leverage) ratio | 10.3040% | 3,106 |
| Tier 1 risk-based capital ratio | 13.6337% | 3,784 |
| Total risk-based capital ratio | 14.6414% | 3,844 |
| Memoranda: | ||
| Average total assets | $163,334,000 | 3,773 |
| Average earning assets | $150,589,000 | 3,740 |
| Average equity | $17,506,500 | 3,633 |
| Average total loans | $134,306,000 | 3,282 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6895% | 2,067 |
| Cost of funding earning assets | 2.8704% | 2,390 |
| Net interest margin | 3.8191% | 3,943 |
| Noninterest income to average assets | 0.5211% | 4,459 |
| Noninterest expense to average assets | 2.4365% | 6,271 |
| Loan and lease loss provision to assets | 0.2956% | 4,020 |
| Net operating income to assets | 0.9227% | 2,906 |
| Return on assets (ROA) | 0.9227% | 2,756 |
| Pretax return on assets | 1.2847% | 2,364 |
| Return on Equity (ROE) | 8.7308% | 2,740 |
| Retained earnings to average equity (ytd only) | 2.9641% | 3,329 |
| Net charge-offs to loans | 0.6905% | 1,775 |
| Credit loss provision to net charge-offs | 52.4892% | 6,326 |
| Earnings coverage of net charge-offs (x) | 2.8063% | 4,681 |
| Efficiency ratio | 60.6585% | 6,229 |
| Assets per employee ($millions) | 3.6982% | 4,181 |
| Cash dividends to net income (ytd only)* | 66.0502% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 6,742 |
| Loan loss allowance to noncurrent loans | 55.4206% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 1.3680% | 3,461 |
| Noncurrent loans to loans | 1.6020% | 3,368 |
| Net loans and leases to total assets | 81.3620% | 1,345 |
| Net loans and leases to deposits | 129.4531% | 219 |
| Net loans and leases to core deposits | 153.6648% | 727 |
| Total domestic deposits to total assets | 62.8505% | 7,843 |
| Equity capital to assets | 11.0674% | 2,980 |
| Core capital (leverage) ratio | 11.0293% | 2,573 |
| Tier 1 risk-based capital ratio | 14.6682% | 3,222 |
| Total risk-based capital ratio | 15.6431% | 3,265 |
| Memoranda: | ||
| Average total assets | $164,087,600 | 3,645 |
| Average earning assets | $150,190,600 | 3,654 |
| Average equity | $17,341,000 | 3,677 |
| Average total loans | $133,811,600 | 3,202 |