Home > Village Bank > Performance and Condition Ratios
Village Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2917% | 3,454 |
| Cost of funding earning assets | 0.9835% | 3,330 |
| Net interest margin | 3.3082% | 2,612 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 3.0704% | 1,012 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4990% | 3,670 |
| Return on assets (ROA) | 0.4977% | 3,670 |
| Pretax return on assets | 0.4977% | 3,815 |
| Return on Equity (ROE) | 11.1900% | 2,174 |
| Retained earnings to average equity (ytd only) | 3.8426% | 3,017 |
| Net charge-offs to loans | 0.0067% | 2,433 |
| Credit loss provision to net charge-offs | 1,205.8824% | 348 |
| Earnings coverage of net charge-offs (x) | 134.8235% | 764 |
| Efficiency ratio | 84.3986% | 642 |
| Assets per employee ($millions) | 6.7285% | 2,251 |
| Cash dividends to net income (ytd only)* | 65.6716% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 1,501 |
| Loan loss allowance to noncurrent loans | 5,975.4098% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 3,402 |
| Noncurrent loans to loans | 0.0230% | 3,579 |
| Net loans and leases to total assets | 63.8300% | 2,479 |
| Net loans and leases to deposits | 67.7974% | 3,051 |
| Net loans and leases to core deposits | 70.6223% | 3,271 |
| Total domestic deposits to total assets | 94.1500% | 102 |
| Equity capital to assets | 4.9313% | 4,425 |
| Core capital (leverage) ratio | 8.2661% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3200% | 2,123 |
| Memoranda: | ||
| Average total assets | $403,823,600 | 2,000 |
| Average earning assets | $382,416,400 | 1,971 |
| Average equity | $17,956,400 | 3,018 |
| Average total loans | $253,072,400 | 1,988 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 3,435 |
| Cost of funding earning assets | 0.9004% | 3,270 |
| Net interest margin | 3.3184% | 2,642 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 3.1906% | 829 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.4064% | 3,959 |
| Return on assets (ROA) | 0.4048% | 3,950 |
| Pretax return on assets | 0.4151% | 4,042 |
| Return on Equity (ROE) | 9.3600% | 2,835 |
| Retained earnings to average equity (ytd only) | 1.1964% | 3,906 |
| Net charge-offs to loans | 0.0155% | 1,841 |
| Credit loss provision to net charge-offs | 220.6897% | 1,059 |
| Earnings coverage of net charge-offs (x) | 47.6552% | 1,338 |
| Efficiency ratio | 87.4432% | 461 |
| Assets per employee ($millions) | 6.2425% | 2,532 |
| Cash dividends to net income (ytd only)* | 87.2236% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 1,620 |
| Loan loss allowance to noncurrent loans | 5,724.5902% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 3,440 |
| Noncurrent loans to loans | 0.0238% | 3,598 |
| Net loans and leases to total assets | 63.3900% | 2,519 |
| Net loans and leases to deposits | 66.4644% | 3,091 |
| Net loans and leases to core deposits | 69.2034% | 3,253 |
| Total domestic deposits to total assets | 95.3800% | 102 |
| Equity capital to assets | 3.8191% | 4,418 |
| Core capital (leverage) ratio | 8.1082% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4462% | 2,098 |
| Memoranda: | ||
| Average total assets | $402,169,500 | 2,009 |
| Average earning assets | $380,699,750 | 1,976 |
| Average equity | $17,385,500 | 3,053 |
| Average total loans | $249,933,750 | 2,000 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 3,505 |
| Cost of funding earning assets | 0.7850% | 3,251 |
| Net interest margin | 3.3090% | 2,727 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 3.3107% | 683 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2941% | 4,164 |
| Return on assets (ROA) | 0.2918% | 4,193 |
| Pretax return on assets | 0.3072% | 4,227 |
| Return on Equity (ROE) | 6.5000% | 3,574 |
| Retained earnings to average equity (ytd only) | -2.5090% | 4,318 |
| Net charge-offs to loans | 0.0339% | 1,217 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 14.8571% | 1,867 |
| Efficiency ratio | 91.4474% | 313 |
| Assets per employee ($millions) | 5.7395% | 2,933 |
| Cash dividends to net income (ytd only)* | 138.6054% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,560 |
| Loan loss allowance to noncurrent loans | 659.2664% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 2,228 |
| Noncurrent loans to loans | 0.2111% | 2,415 |
| Net loans and leases to total assets | 61.0800% | 2,662 |
| Net loans and leases to deposits | 64.4987% | 3,162 |
| Net loans and leases to core deposits | 67.2516% | 3,272 |
| Total domestic deposits to total assets | 94.7100% | 110 |
| Equity capital to assets | 4.3686% | 4,466 |
| Core capital (leverage) ratio | 7.9467% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0512% | 1,874 |
| Memoranda: | ||
| Average total assets | $403,052,333 | 2,004 |
| Average earning assets | $381,140,667 | 1,975 |
| Average equity | $18,094,667 | 3,017 |
| Average total loans | $247,656,333 | 2,008 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 3,550 |
| Cost of funding earning assets | 0.6077% | 3,359 |
| Net interest margin | 3.3420% | 2,771 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 3.3195% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2897% | 4,264 |
| Return on assets (ROA) | 0.2853% | 4,230 |
| Pretax return on assets | 0.3158% | 4,249 |
| Return on Equity (ROE) | 6.2700% | 3,658 |
| Retained earnings to average equity (ytd only) | -8.1118% | 4,436 |
| Net charge-offs to loans | 0.1157% | 544 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 4.5278% | 1,852 |
| Efficiency ratio | 91.1892% | 324 |
| Assets per employee ($millions) | 5.9623% | 2,796 |
| Cash dividends to net income (ytd only)* | 229.3103% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 1,747 |
| Loan loss allowance to noncurrent loans | 1,370.4453% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 2,630 |
| Noncurrent loans to loans | 0.0998% | 3,043 |
| Net loans and leases to total assets | 60.2300% | 2,623 |
| Net loans and leases to deposits | 64.8589% | 3,025 |
| Net loans and leases to core deposits | 66.1652% | 3,211 |
| Total domestic deposits to total assets | 92.8600% | 330 |
| Equity capital to assets | 4.7048% | 4,464 |
| Core capital (leverage) ratio | 7.8685% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8833% | 2,007 |
| Memoranda: | ||
| Average total assets | $406,565,000 | 2,021 |
| Average earning assets | $385,036,000 | 1,982 |
| Average equity | $18,491,500 | 3,017 |
| Average total loans | $248,822,000 | 2,033 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5370% | 2,980 |
| Cost of funding earning assets | 0.1487% | 4,132 |
| Net interest margin | 3.3883% | 2,298 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 3.0905% | 847 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7312% | 3,529 |
| Return on assets (ROA) | 0.7312% | 3,473 |
| Pretax return on assets | 0.7921% | 3,647 |
| Return on Equity (ROE) | 14.0200% | 1,525 |
| Retained earnings to average equity (ytd only) | 5.6247% | 2,778 |
| Net charge-offs to loans | 0.1627% | 510 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 8.3171% | 2,270 |
| Efficiency ratio | 79.5985% | 746 |
| Assets per employee ($millions) | 5.9955% | 2,768 |
| Cash dividends to net income (ytd only)* | 59.8934% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,044 |
| Loan loss allowance to noncurrent loans | 870.1370% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 2,709 |
| Noncurrent loans to loans | 0.1460% | 2,783 |
| Net loans and leases to total assets | 60.5600% | 2,588 |
| Net loans and leases to deposits | 64.2263% | 3,023 |
| Net loans and leases to core deposits | 64.8703% | 3,212 |
| Total domestic deposits to total assets | 94.2900% | 211 |
| Equity capital to assets | 4.3925% | 4,470 |
| Core capital (leverage) ratio | 8.0339% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9264% | 2,003 |
| Memoranda: | ||
| Average total assets | $410,551,000 | 1,985 |
| Average earning assets | $389,255,200 | 1,947 |
| Average equity | $21,405,600 | 2,825 |
| Average total loans | $240,256,000 | 2,000 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4316% | 2,831 |
| Cost of funding earning assets | 0.1323% | 4,013 |
| Net interest margin | 3.2992% | 2,297 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 3.0828% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6860% | 3,602 |
| Return on assets (ROA) | 0.6860% | 3,563 |
| Pretax return on assets | 0.7670% | 3,659 |
| Return on Equity (ROE) | 12.6600% | 1,819 |
| Retained earnings to average equity (ytd only) | 1.9928% | 4,036 |
| Net charge-offs to loans | 0.2164% | 316 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 6.1295% | 2,125 |
| Efficiency ratio | 80.0758% | 770 |
| Assets per employee ($millions) | 6.1628% | 2,612 |
| Cash dividends to net income (ytd only)* | 84.2628% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 1,846 |
| Loan loss allowance to noncurrent loans | 696.0613% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 2,840 |
| Noncurrent loans to loans | 0.1924% | 2,639 |
| Net loans and leases to total assets | 57.6000% | 2,749 |
| Net loans and leases to deposits | 60.1516% | 3,187 |
| Net loans and leases to core deposits | 60.6445% | 3,337 |
| Total domestic deposits to total assets | 95.7600% | 148 |
| Equity capital to assets | 3.6662% | 4,524 |
| Core capital (leverage) ratio | 7.7529% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0314% | 2,045 |
| Memoranda: | ||
| Average total assets | $411,266,000 | 1,999 |
| Average earning assets | $389,938,000 | 1,961 |
| Average equity | $22,280,000 | 2,798 |
| Average total loans | $237,802,750 | 2,009 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3431% | 2,597 |
| Cost of funding earning assets | 0.1372% | 3,746 |
| Net interest margin | 3.2059% | 2,166 |
| Noninterest income to average assets | 0.8043% | 1,031 |
| Noninterest expense to average assets | 3.0632% | 773 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6667% | 3,424 |
| Return on assets (ROA) | 0.6667% | 3,373 |
| Pretax return on assets | 0.7878% | 3,359 |
| Return on Equity (ROE) | 11.1255% | 1,939 |
| Retained earnings to average equity (ytd only) | -3.2908% | 4,470 |
| Net charge-offs to loans | 0.3144% | 219 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 4.3476% | 1,959 |
| Efficiency ratio | 79.5420% | 980 |
| Assets per employee ($millions) | 6.0726% | 2,677 |
| Cash dividends to net income (ytd only)* | 129.5785% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 1,848 |
| Loan loss allowance to noncurrent loans | 638.6000% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 2,860 |
| Noncurrent loans to loans | 0.2157% | 2,642 |
| Net loans and leases to total assets | 55.3574% | 2,817 |
| Net loans and leases to deposits | 58.3979% | 3,185 |
| Net loans and leases to core deposits | 59.3079% | 3,320 |
| Total domestic deposits to total assets | 94.7934% | 164 |
| Equity capital to assets | 4.6121% | 4,546 |
| Core capital (leverage) ratio | 7.5660% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8194% | 2,143 |
| Memoranda: | ||
| Average total assets | $412,772,000 | 1,998 |
| Average earning assets | $392,271,000 | 1,974 |
| Average equity | $24,736,000 | 2,697 |
| Average total loans | $237,912,000 | 2,010 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3022% | 2,383 |
| Cost of funding earning assets | 0.1435% | 3,584 |
| Net interest margin | 3.1587% | 1,996 |
| Noninterest income to average assets | 0.9528% | 753 |
| Noninterest expense to average assets | 3.0483% | 758 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7919% | 2,688 |
| Return on assets (ROA) | 0.7919% | 2,685 |
| Pretax return on assets | 0.9130% | 2,725 |
| Return on Equity (ROE) | 11.8485% | 1,365 |
| Retained earnings to average equity (ytd only) | -11.5440% | 4,591 |
| Net charge-offs to loans | 0.7602% | 92 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 2.0568% | 1,717 |
| Efficiency ratio | 76.9513% | 1,414 |
| Assets per employee ($millions) | 5.9274% | 2,871 |
| Cash dividends to net income (ytd only)* | 197.4296% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 2,425 |
| Loan loss allowance to noncurrent loans | 340.5257% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 2,315 |
| Noncurrent loans to loans | 0.3778% | 2,139 |
| Net loans and leases to total assets | 58.3228% | 2,262 |
| Net loans and leases to deposits | 62.2617% | 2,696 |
| Net loans and leases to core deposits | 63.4345% | 2,845 |
| Total domestic deposits to total assets | 93.6737% | 144 |
| Equity capital to assets | 5.7246% | 4,634 |
| Core capital (leverage) ratio | 7.5786% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4305% | 2,431 |
| Memoranda: | ||
| Average total assets | $412,690,500 | 2,006 |
| Average earning assets | $393,070,500 | 1,979 |
| Average equity | $27,581,500 | 2,629 |
| Average total loans | $240,976,500 | 1,987 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6257% | 2,320 |
| Cost of funding earning assets | 0.2237% | 3,212 |
| Net interest margin | 3.4020% | 2,024 |
| Noninterest income to average assets | 1.2195% | 713 |
| Noninterest expense to average assets | 3.0257% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3338% | 1,500 |
| Return on assets (ROA) | 1.3666% | 1,440 |
| Pretax return on assets | 1.4864% | 1,767 |
| Return on Equity (ROE) | 18.4107% | 429 |
| Retained earnings to average equity (ytd only) | 12.6180% | 452 |
| Net charge-offs to loans | -0.0204% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5924% | 2,045 |
| Assets per employee ($millions) | 5.7832% | 2,975 |
| Cash dividends to net income (ytd only)* | 31.4636% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 1,614 |
| Loan loss allowance to noncurrent loans | 497.4895% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 2,617 |
| Noncurrent loans to loans | 0.2984% | 2,525 |
| Net loans and leases to total assets | 56.8558% | 2,495 |
| Net loans and leases to deposits | 61.6865% | 2,911 |
| Net loans and leases to core deposits | 63.0640% | 3,063 |
| Total domestic deposits to total assets | 92.1689% | 141 |
| Equity capital to assets | 7.6250% | 4,546 |
| Core capital (leverage) ratio | 7.6894% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0297% | 2,237 |
| Memoranda: | ||
| Average total assets | $417,453,200 | 1,936 |
| Average earning assets | $399,646,200 | 1,908 |
| Average equity | $30,987,400 | 2,473 |
| Average total loans | $249,561,000 | 1,928 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6429% | 2,443 |
| Cost of funding earning assets | 0.2429% | 3,186 |
| Net interest margin | 3.4000% | 2,155 |
| Noninterest income to average assets | 1.2008% | 784 |
| Noninterest expense to average assets | 2.9295% | 1,077 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5279% | 1,201 |
| Return on assets (ROA) | 1.5755% | 1,136 |
| Pretax return on assets | 1.5755% | 1,777 |
| Return on Equity (ROE) | 21.3697% | 338 |
| Retained earnings to average equity (ytd only) | 15.2869% | 361 |
| Net charge-offs to loans | -0.0074% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7214% | 2,137 |
| Assets per employee ($millions) | 6.1656% | 2,539 |
| Cash dividends to net income (ytd only)* | 28.4643% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 1,576 |
| Loan loss allowance to noncurrent loans | 306.1578% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 2,317 |
| Noncurrent loans to loans | 0.4950% | 2,072 |
| Net loans and leases to total assets | 54.7210% | 2,877 |
| Net loans and leases to deposits | 59.4136% | 3,279 |
| Net loans and leases to core deposits | 60.7578% | 3,421 |
| Total domestic deposits to total assets | 92.1018% | 108 |
| Equity capital to assets | 7.6783% | 4,660 |
| Core capital (leverage) ratio | 7.6584% | 4,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4864% | 2,172 |
| Memoranda: | ||
| Average total assets | $417,718,500 | 1,953 |
| Average earning assets | $400,112,250 | 1,923 |
| Average equity | $30,796,750 | 2,510 |
| Average total loans | $251,873,750 | 1,948 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6377% | 2,506 |
| Cost of funding earning assets | 0.2629% | 3,163 |
| Net interest margin | 3.3749% | 2,216 |
| Noninterest income to average assets | 1.0954% | 933 |
| Noninterest expense to average assets | 2.8619% | 1,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4770% | 1,357 |
| Return on assets (ROA) | 1.5431% | 1,248 |
| Pretax return on assets | 1.5431% | 1,896 |
| Return on Equity (ROE) | 21.2253% | 370 |
| Retained earnings to average equity (ytd only) | 15.4888% | 376 |
| Net charge-offs to loans | -0.0139% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9596% | 2,159 |
| Assets per employee ($millions) | 5.8741% | 2,737 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 1,929 |
| Loan loss allowance to noncurrent loans | 338.1818% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 2,629 |
| Noncurrent loans to loans | 0.4171% | 2,432 |
| Net loans and leases to total assets | 57.6073% | 2,716 |
| Net loans and leases to deposits | 62.5455% | 3,145 |
| Net loans and leases to core deposits | 63.9699% | 3,288 |
| Total domestic deposits to total assets | 92.1047% | 109 |
| Equity capital to assets | 7.2578% | 4,792 |
| Core capital (leverage) ratio | 7.3571% | 4,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0643% | 2,343 |
| Memoranda: | ||
| Average total assets | $417,205,333 | 1,947 |
| Average earning assets | $400,964,333 | 1,907 |
| Average equity | $30,331,667 | 2,524 |
| Average total loans | $258,181,000 | 1,922 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 1,944 |
| Cost of funding earning assets | 0.3015% | 2,979 |
| Net interest margin | 3.5542% | 1,691 |
| Noninterest income to average assets | 1.0112% | 1,114 |
| Noninterest expense to average assets | 2.8157% | 1,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6111% | 1,112 |
| Return on assets (ROA) | 1.6111% | 1,160 |
| Pretax return on assets | 1.6111% | 1,693 |
| Return on Equity (ROE) | 22.1402% | 382 |
| Retained earnings to average equity (ytd only) | 16.3279% | 482 |
| Net charge-offs to loans | -0.0107% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6064% | 2,517 |
| Assets per employee ($millions) | 5.6017% | 3,021 |
| Cash dividends to net income (ytd only)* | 26.2523% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 2,495 |
| Loan loss allowance to noncurrent loans | 412.5293% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 3,049 |
| Noncurrent loans to loans | 0.3119% | 2,985 |
| Net loans and leases to total assets | 64.3276% | 2,006 |
| Net loans and leases to deposits | 69.9770% | 2,506 |
| Net loans and leases to core deposits | 71.6045% | 2,736 |
| Total domestic deposits to total assets | 91.9268% | 162 |
| Equity capital to assets | 7.1247% | 4,815 |
| Core capital (leverage) ratio | 7.3818% | 4,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5040% | 2,488 |
| Memoranda: | ||
| Average total assets | $411,403,000 | 1,955 |
| Average earning assets | $395,359,500 | 1,917 |
| Average equity | $29,936,500 | 2,550 |
| Average total loans | $261,991,500 | 1,911 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9896% | 2,763 |
| Cost of funding earning assets | 0.4674% | 3,169 |
| Net interest margin | 3.5222% | 2,405 |
| Noninterest income to average assets | 0.6094% | 2,186 |
| Noninterest expense to average assets | 3.1273% | 1,181 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8776% | 2,797 |
| Return on assets (ROA) | 0.9316% | 2,701 |
| Pretax return on assets | 0.9316% | 3,278 |
| Return on Equity (ROE) | 11.4535% | 1,477 |
| Retained earnings to average equity (ytd only) | 4.6484% | 2,452 |
| Net charge-offs to loans | -0.2074% | 4,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0866% | 1,021 |
| Assets per employee ($millions) | 5.6715% | 2,661 |
| Cash dividends to net income (ytd only)* | 59.4146% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 1,954 |
| Loan loss allowance to noncurrent loans | 399.8862% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 3,199 |
| Noncurrent loans to loans | 0.3513% | 2,938 |
| Net loans and leases to total assets | 61.2615% | 2,695 |
| Net loans and leases to deposits | 67.3880% | 3,145 |
| Net loans and leases to core deposits | 69.0858% | 3,326 |
| Total domestic deposits to total assets | 90.9086% | 247 |
| Equity capital to assets | 7.4352% | 4,850 |
| Core capital (leverage) ratio | 7.2166% | 4,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0201% | 2,228 |
| Memoranda: | ||
| Average total assets | $355,734,800 | 2,023 |
| Average earning assets | $342,942,600 | 1,966 |
| Average equity | $28,934,400 | 2,536 |
| Average total loans | $231,883,200 | 2,022 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 2,632 |
| Cost of funding earning assets | 0.5090% | 3,166 |
| Net interest margin | 3.6087% | 2,243 |
| Noninterest income to average assets | 0.5322% | 2,462 |
| Noninterest expense to average assets | 3.1542% | 1,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8566% | 2,876 |
| Return on assets (ROA) | 0.9108% | 2,785 |
| Pretax return on assets | 0.9108% | 3,351 |
| Return on Equity (ROE) | 10.9237% | 1,709 |
| Retained earnings to average equity (ytd only) | 4.0488% | 3,023 |
| Net charge-offs to loans | -0.1672% | 4,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6432% | 972 |
| Assets per employee ($millions) | 5.6953% | 2,543 |
| Cash dividends to net income (ytd only)* | 62.9362% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 2,043 |
| Loan loss allowance to noncurrent loans | 369.2992% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 3,307 |
| Noncurrent loans to loans | 0.3599% | 2,993 |
| Net loans and leases to total assets | 62.7112% | 2,919 |
| Net loans and leases to deposits | 69.4495% | 3,357 |
| Net loans and leases to core deposits | 71.2425% | 3,539 |
| Total domestic deposits to total assets | 90.2976% | 331 |
| Equity capital to assets | 7.4882% | 4,860 |
| Core capital (leverage) ratio | 7.4153% | 4,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7532% | 1,912 |
| Memoranda: | ||
| Average total assets | $343,999,250 | 2,059 |
| Average earning assets | $331,597,750 | 1,997 |
| Average equity | $28,683,000 | 2,548 |
| Average total loans | $227,303,750 | 2,048 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 1,840 |
| Cost of funding earning assets | 0.5465% | 3,259 |
| Net interest margin | 3.9803% | 1,373 |
| Noninterest income to average assets | 0.4944% | 2,597 |
| Noninterest expense to average assets | 3.2868% | 1,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0309% | 2,217 |
| Return on assets (ROA) | 1.0510% | 2,277 |
| Pretax return on assets | 1.0510% | 2,870 |
| Return on Equity (ROE) | 12.1118% | 1,307 |
| Retained earnings to average equity (ytd only) | 5.1556% | 2,396 |
| Net charge-offs to loans | -0.2548% | 4,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1238% | 1,253 |
| Assets per employee ($millions) | 5.4334% | 2,705 |
| Cash dividends to net income (ytd only)* | 57.4332% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 1,756 |
| Loan loss allowance to noncurrent loans | 367.9245% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3217% | 3,027 |
| Noncurrent loans to loans | 0.3680% | 3,088 |
| Net loans and leases to total assets | 64.4177% | 2,834 |
| Net loans and leases to deposits | 72.5120% | 3,214 |
| Net loans and leases to core deposits | 74.4035% | 3,424 |
| Total domestic deposits to total assets | 88.8374% | 806 |
| Equity capital to assets | 7.8714% | 4,778 |
| Core capital (leverage) ratio | 7.8228% | 4,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7995% | 1,893 |
| Memoranda: | ||
| Average total assets | $327,673,667 | 2,101 |
| Average earning assets | $314,751,667 | 2,051 |
| Average equity | $28,435,000 | 2,554 |
| Average total loans | $219,818,333 | 2,083 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1387% | 743 |
| Cost of funding earning assets | 0.6108% | 3,378 |
| Net interest margin | 4.5278% | 476 |
| Noninterest income to average assets | 0.5275% | 2,400 |
| Noninterest expense to average assets | 3.6217% | 798 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2550% | 1,367 |
| Return on assets (ROA) | 1.2984% | 1,342 |
| Pretax return on assets | 1.2984% | 1,874 |
| Return on Equity (ROE) | 14.1518% | 667 |
| Retained earnings to average equity (ytd only) | 13.4492% | 291 |
| Net charge-offs to loans | -0.5229% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2649% | 1,776 |
| Assets per employee ($millions) | 3.9732% | 3,949 |
| Cash dividends to net income (ytd only)* | 4.9645% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 1,029 |
| Loan loss allowance to noncurrent loans | 467.6096% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 3,123 |
| Noncurrent loans to loans | 0.3457% | 3,249 |
| Net loans and leases to total assets | 65.7635% | 2,845 |
| Net loans and leases to deposits | 74.7410% | 3,193 |
| Net loans and leases to core deposits | 76.4635% | 3,465 |
| Total domestic deposits to total assets | 87.9886% | 1,111 |
| Equity capital to assets | 9.2321% | 4,444 |
| Core capital (leverage) ratio | 9.3287% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4774% | 2,083 |
| Memoranda: | ||
| Average total assets | $304,059,000 | 2,185 |
| Average earning assets | $292,060,500 | 2,122 |
| Average equity | $27,897,500 | 2,583 |
| Average total loans | $207,318,000 | 2,133 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 1,562 |
| Cost of funding earning assets | 0.6616% | 3,351 |
| Net interest margin | 4.3055% | 1,080 |
| Noninterest income to average assets | 0.6963% | 1,837 |
| Noninterest expense to average assets | 3.7071% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0906% | 2,475 |
| Return on assets (ROA) | 1.0909% | 2,578 |
| Pretax return on assets | 1.0909% | 3,193 |
| Return on Equity (ROE) | 12.1936% | 1,439 |
| Retained earnings to average equity (ytd only) | 5.9415% | 1,897 |
| Net charge-offs to loans | -0.2441% | 5,074 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2682% | 1,234 |
| Assets per employee ($millions) | 3.9245% | 4,005 |
| Cash dividends to net income (ytd only)* | 51.2741% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 1,378 |
| Loan loss allowance to noncurrent loans | 134.4705% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 1,413 |
| Noncurrent loans to loans | 1.0741% | 1,409 |
| Net loans and leases to total assets | 68.5351% | 2,606 |
| Net loans and leases to deposits | 77.9429% | 3,013 |
| Net loans and leases to core deposits | 79.9995% | 3,293 |
| Total domestic deposits to total assets | 87.9299% | 1,157 |
| Equity capital to assets | 9.1173% | 4,630 |
| Core capital (leverage) ratio | 9.2295% | 4,343 |
| Tier 1 risk-based capital ratio | 12.7041% | 3,945 |
| Total risk-based capital ratio | 13.9561% | 3,829 |
| Memoranda: | ||
| Average total assets | $294,977,600 | 2,188 |
| Average earning assets | $280,992,000 | 2,140 |
| Average equity | $26,390,800 | 2,603 |
| Average total loans | $219,141,000 | 2,036 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0562% | 1,399 |
| Cost of funding earning assets | 0.6629% | 3,384 |
| Net interest margin | 4.3933% | 962 |
| Noninterest income to average assets | 0.7326% | 1,655 |
| Noninterest expense to average assets | 3.7183% | 731 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1920% | 2,225 |
| Return on assets (ROA) | 1.1924% | 2,302 |
| Pretax return on assets | 1.1924% | 3,005 |
| Return on Equity (ROE) | 13.3939% | 1,144 |
| Retained earnings to average equity (ytd only) | 6.2934% | 2,228 |
| Net charge-offs to loans | -0.3150% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7247% | 1,361 |
| Assets per employee ($millions) | 3.9219% | 3,999 |
| Cash dividends to net income (ytd only)* | 53.0131% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 1,529 |
| Loan loss allowance to noncurrent loans | 113.8178% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.9868% | 1,365 |
| Noncurrent loans to loans | 1.2401% | 1,253 |
| Net loans and leases to total assets | 69.9216% | 2,490 |
| Net loans and leases to deposits | 79.3878% | 2,961 |
| Net loans and leases to core deposits | 81.1616% | 3,303 |
| Total domestic deposits to total assets | 88.0760% | 1,008 |
| Equity capital to assets | 9.0103% | 4,775 |
| Core capital (leverage) ratio | 9.2640% | 4,414 |
| Tier 1 risk-based capital ratio | 12.2577% | 4,277 |
| Total risk-based capital ratio | 13.5094% | 4,159 |
| Memoranda: | ||
| Average total assets | $293,176,000 | 2,213 |
| Average earning assets | $278,779,250 | 2,169 |
| Average equity | $26,100,750 | 2,634 |
| Average total loans | $221,392,000 | 2,031 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1746% | 1,033 |
| Cost of funding earning assets | 0.6599% | 3,356 |
| Net interest margin | 4.5147% | 748 |
| Noninterest income to average assets | 0.5216% | 2,558 |
| Noninterest expense to average assets | 3.6563% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1604% | 2,289 |
| Return on assets (ROA) | 1.1604% | 2,364 |
| Pretax return on assets | 1.1604% | 3,035 |
| Return on Equity (ROE) | 13.0893% | 1,207 |
| Retained earnings to average equity (ytd only) | 7.0265% | 1,791 |
| Net charge-offs to loans | -0.4576% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9084% | 1,405 |
| Assets per employee ($millions) | 3.7970% | 4,131 |
| Cash dividends to net income (ytd only)* | 46.3183% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 1,573 |
| Loan loss allowance to noncurrent loans | 139.5090% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 1.4717% | 770 |
| Noncurrent loans to loans | 1.0113% | 1,621 |
| Net loans and leases to total assets | 73.9130% | 1,907 |
| Net loans and leases to deposits | 84.7230% | 2,406 |
| Net loans and leases to core deposits | 86.7675% | 2,900 |
| Total domestic deposits to total assets | 87.2408% | 1,472 |
| Equity capital to assets | 9.4089% | 4,492 |
| Core capital (leverage) ratio | 9.2665% | 4,390 |
| Tier 1 risk-based capital ratio | 11.9218% | 4,467 |
| Total risk-based capital ratio | 13.1729% | 4,347 |
| Memoranda: | ||
| Average total assets | $290,239,000 | 2,234 |
| Average earning assets | $276,120,000 | 2,183 |
| Average equity | $25,731,000 | 2,657 |
| Average total loans | $223,797,000 | 2,024 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8759% | 1,670 |
| Cost of funding earning assets | 0.6394% | 3,358 |
| Net interest margin | 4.2365% | 1,225 |
| Noninterest income to average assets | 0.4997% | 2,556 |
| Noninterest expense to average assets | 3.6713% | 775 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8629% | 3,386 |
| Return on assets (ROA) | 0.8629% | 3,437 |
| Pretax return on assets | 0.8629% | 3,886 |
| Return on Equity (ROE) | 10.0319% | 2,359 |
| Retained earnings to average equity (ytd only) | 1.7778% | 4,119 |
| Net charge-offs to loans | -0.0105% | 4,242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9696% | 970 |
| Assets per employee ($millions) | 4.0297% | 3,874 |
| Cash dividends to net income (ytd only)* | 82.2785% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 3,007 |
| Loan loss allowance to noncurrent loans | 72.1982% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.4965% | 805 |
| Noncurrent loans to loans | 1.5539% | 1,032 |
| Net loans and leases to total assets | 76.1260% | 1,459 |
| Net loans and leases to deposits | 87.7580% | 1,907 |
| Net loans and leases to core deposits | 90.2875% | 2,471 |
| Total domestic deposits to total assets | 86.7454% | 1,935 |
| Equity capital to assets | 8.8040% | 4,817 |
| Core capital (leverage) ratio | 8.7848% | 4,804 |
| Tier 1 risk-based capital ratio | 10.9660% | 4,993 |
| Total risk-based capital ratio | 12.0275% | 4,978 |
| Memoranda: | ||
| Average total assets | $292,971,500 | 2,234 |
| Average earning assets | $279,006,000 | 2,184 |
| Average equity | $25,199,500 | 2,696 |
| Average total loans | $228,947,000 | 2,000 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1082% | 827 |
| Cost of funding earning assets | 0.5632% | 2,967 |
| Net interest margin | 4.5450% | 699 |
| Noninterest income to average assets | 0.5778% | 2,407 |
| Noninterest expense to average assets | 2.8985% | 2,359 |
| Loan and lease loss provision to assets | 0.1371% | 1,566 |
| Net operating income to assets | 1.8732% | 476 |
| Return on assets (ROA) | 1.8732% | 471 |
| Pretax return on assets | 1.8732% | 760 |
| Return on Equity (ROE) | 23.6411% | 112 |
| Retained earnings to average equity (ytd only) | 13.3343% | 205 |
| Net charge-offs to loans | 0.2950% | 659 |
| Credit loss provision to net charge-offs | 59.2593% | 3,112 |
| Earnings coverage of net charge-offs (x) | 8.6904% | 2,878 |
| Efficiency ratio | 59.0478% | 4,006 |
| Assets per employee ($millions) | 4.3483% | 3,388 |
| Cash dividends to net income (ytd only)* | 43.5968% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 3,290 |
| Loan loss allowance to noncurrent loans | 62.7668% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.4979% | 786 |
| Noncurrent loans to loans | 1.6984% | 852 |
| Net loans and leases to total assets | 78.4670% | 1,189 |
| Net loans and leases to deposits | 91.2612% | 1,637 |
| Net loans and leases to core deposits | 93.8941% | 2,236 |
| Total domestic deposits to total assets | 85.9807% | 2,240 |
| Equity capital to assets | 8.3663% | 5,007 |
| Core capital (leverage) ratio | 8.7175% | 4,870 |
| Tier 1 risk-based capital ratio | 10.4996% | 5,178 |
| Total risk-based capital ratio | 11.5179% | 5,170 |
| Memoranda: | ||
| Average total assets | $291,807,600 | 2,199 |
| Average earning assets | $278,064,200 | 2,150 |
| Average equity | $23,120,800 | 2,803 |
| Average total loans | $228,849,600 | 1,955 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9438% | 1,060 |
| Cost of funding earning assets | 0.5542% | 2,836 |
| Net interest margin | 4.3896% | 919 |
| Noninterest income to average assets | 0.6267% | 2,181 |
| Noninterest expense to average assets | 3.1481% | 1,652 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6618% | 813 |
| Return on assets (ROA) | 1.6618% | 819 |
| Pretax return on assets | 1.6618% | 1,374 |
| Return on Equity (ROE) | 21.2762% | 200 |
| Retained earnings to average equity (ytd only) | 11.4452% | 562 |
| Net charge-offs to loans | -0.0803% | 5,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4499% | 2,968 |
| Assets per employee ($millions) | 4.9562% | 2,524 |
| Cash dividends to net income (ytd only)* | 46.2070% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 2,259 |
| Loan loss allowance to noncurrent loans | 99.4875% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.1669% | 1,211 |
| Noncurrent loans to loans | 1.2763% | 1,322 |
| Net loans and leases to total assets | 76.1427% | 1,641 |
| Net loans and leases to deposits | 86.6507% | 2,300 |
| Net loans and leases to core deposits | 88.7218% | 2,775 |
| Total domestic deposits to total assets | 87.8731% | 1,294 |
| Equity capital to assets | 7.8383% | 5,225 |
| Core capital (leverage) ratio | 8.3325% | 5,185 |
| Tier 1 risk-based capital ratio | 10.3036% | 5,293 |
| Total risk-based capital ratio | 11.5210% | 5,235 |
| Memoranda: | ||
| Average total assets | $290,838,000 | 2,213 |
| Average earning assets | $277,163,500 | 2,163 |
| Average equity | $22,716,500 | 2,855 |
| Average total loans | $227,433,000 | 1,970 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 1,018 |
| Cost of funding earning assets | 0.5378% | 2,710 |
| Net interest margin | 4.3656% | 918 |
| Noninterest income to average assets | 0.5848% | 2,408 |
| Noninterest expense to average assets | 3.1470% | 1,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5943% | 928 |
| Return on assets (ROA) | 1.5943% | 938 |
| Pretax return on assets | 1.5943% | 1,519 |
| Return on Equity (ROE) | 20.4361% | 236 |
| Retained earnings to average equity (ytd only) | 10.4445% | 808 |
| Net charge-offs to loans | -0.1014% | 5,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3744% | 2,916 |
| Assets per employee ($millions) | 4.7376% | 2,771 |
| Cash dividends to net income (ytd only)* | 48.8918% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 2,342 |
| Loan loss allowance to noncurrent loans | 93.8312% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.3025% | 1,088 |
| Noncurrent loans to loans | 1.3502% | 1,258 |
| Net loans and leases to total assets | 76.6737% | 1,538 |
| Net loans and leases to deposits | 88.7999% | 2,008 |
| Net loans and leases to core deposits | 90.9945% | 2,484 |
| Total domestic deposits to total assets | 86.3444% | 2,120 |
| Equity capital to assets | 7.7281% | 5,315 |
| Core capital (leverage) ratio | 8.1849% | 5,271 |
| Tier 1 risk-based capital ratio | 10.0971% | 5,406 |
| Total risk-based capital ratio | 11.3196% | 5,349 |
| Memoranda: | ||
| Average total assets | $288,660,000 | 2,239 |
| Average earning assets | $274,829,330 | 2,192 |
| Average equity | $22,519,000 | 2,884 |
| Average total loans | $226,797,670 | 1,977 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 838 |
| Cost of funding earning assets | 0.5055% | 2,756 |
| Net interest margin | 4.4132% | 746 |
| Noninterest income to average assets | 0.4306% | 3,235 |
| Noninterest expense to average assets | 3.1916% | 1,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4371% | 1,235 |
| Return on assets (ROA) | 1.4371% | 1,241 |
| Pretax return on assets | 1.4371% | 1,874 |
| Return on Equity (ROE) | 18.3338% | 376 |
| Retained earnings to average equity (ytd only) | 16.5504% | 218 |
| Net charge-offs to loans | -0.0177% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9520% | 2,676 |
| Assets per employee ($millions) | 4.6693% | 2,900 |
| Cash dividends to net income (ytd only)* | 9.7276% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,726 |
| Loan loss allowance to noncurrent loans | 92.5249% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.2974% | 1,143 |
| Noncurrent loans to loans | 1.3120% | 1,357 |
| Net loans and leases to total assets | 78.2856% | 1,198 |
| Net loans and leases to deposits | 90.8287% | 1,577 |
| Net loans and leases to core deposits | 92.5120% | 2,258 |
| Total domestic deposits to total assets | 86.1904% | 2,454 |
| Equity capital to assets | 7.8081% | 5,326 |
| Core capital (leverage) ratio | 8.1957% | 5,318 |
| Tier 1 risk-based capital ratio | 9.8823% | 5,521 |
| Total risk-based capital ratio | 11.0475% | 5,495 |
| Memoranda: | ||
| Average total assets | $286,123,500 | 2,275 |
| Average earning assets | $272,184,500 | 2,220 |
| Average equity | $22,428,500 | 2,917 |
| Average total loans | $226,143,500 | 1,991 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 727 |
| Cost of funding earning assets | 0.4092% | 3,171 |
| Net interest margin | 4.5315% | 572 |
| Noninterest income to average assets | 0.4709% | 3,182 |
| Noninterest expense to average assets | 3.0556% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7108% | 516 |
| Return on assets (ROA) | 1.7135% | 528 |
| Pretax return on assets | 1.7135% | 973 |
| Return on Equity (ROE) | 20.5174% | 176 |
| Retained earnings to average equity (ytd only) | 2.7206% | 3,686 |
| Net charge-offs to loans | -0.1723% | 5,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1071% | 3,584 |
| Assets per employee ($millions) | 4.6353% | 2,970 |
| Cash dividends to net income (ytd only)* | 86.7400% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,503 |
| Loan loss allowance to noncurrent loans | 83.7357% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.3641% | 1,044 |
| Noncurrent loans to loans | 1.4870% | 1,146 |
| Net loans and leases to total assets | 77.8399% | 1,303 |
| Net loans and leases to deposits | 90.8042% | 1,679 |
| Net loans and leases to core deposits | 92.3415% | 2,339 |
| Total domestic deposits to total assets | 85.7228% | 2,565 |
| Equity capital to assets | 7.8701% | 5,429 |
| Core capital (leverage) ratio | 8.2468% | 5,323 |
| Tier 1 risk-based capital ratio | 9.7323% | 5,579 |
| Total risk-based capital ratio | 10.9223% | 5,556 |
| Memoranda: | ||
| Average total assets | $260,113,200 | 2,415 |
| Average earning assets | $246,561,200 | 2,370 |
| Average equity | $21,723,000 | 2,976 |
| Average total loans | $204,918,800 | 2,119 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9348% | 704 |
| Cost of funding earning assets | 0.3944% | 3,257 |
| Net interest margin | 4.5404% | 547 |
| Noninterest income to average assets | 0.5140% | 2,945 |
| Noninterest expense to average assets | 3.1025% | 1,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7187% | 558 |
| Return on assets (ROA) | 1.7197% | 571 |
| Pretax return on assets | 1.7197% | 1,074 |
| Return on Equity (ROE) | 20.2677% | 210 |
| Retained earnings to average equity (ytd only) | 1.1239% | 4,941 |
| Net charge-offs to loans | -0.1623% | 5,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3517% | 3,479 |
| Assets per employee ($millions) | 4.3814% | 3,339 |
| Cash dividends to net income (ytd only)* | 94.4546% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,565 |
| Loan loss allowance to noncurrent loans | 70.9231% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.6426% | 890 |
| Noncurrent loans to loans | 1.7805% | 1,009 |
| Net loans and leases to total assets | 77.9945% | 1,271 |
| Net loans and leases to deposits | 90.9854% | 1,691 |
| Net loans and leases to core deposits | 92.0594% | 2,437 |
| Total domestic deposits to total assets | 85.7220% | 2,422 |
| Equity capital to assets | 8.3030% | 5,392 |
| Core capital (leverage) ratio | 8.4105% | 5,315 |
| Tier 1 risk-based capital ratio | 9.9245% | 5,612 |
| Total risk-based capital ratio | 11.1119% | 5,593 |
| Memoranda: | ||
| Average total assets | $254,453,500 | 2,477 |
| Average earning assets | $241,382,500 | 2,432 |
| Average equity | $21,590,500 | 3,013 |
| Average total loans | $200,431,250 | 2,160 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9788% | 581 |
| Cost of funding earning assets | 0.3753% | 3,334 |
| Net interest margin | 4.6035% | 474 |
| Noninterest income to average assets | 0.5132% | 2,942 |
| Noninterest expense to average assets | 3.2216% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6548% | 622 |
| Return on assets (ROA) | 1.6564% | 639 |
| Pretax return on assets | 1.6564% | 1,176 |
| Return on Equity (ROE) | 19.3732% | 248 |
| Retained earnings to average equity (ytd only) | -3.1603% | 5,442 |
| Net charge-offs to loans | -0.1737% | 5,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0656% | 3,343 |
| Assets per employee ($millions) | 4.2719% | 3,485 |
| Cash dividends to net income (ytd only)* | 116.3127% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 2,598 |
| Loan loss allowance to noncurrent loans | 68.9527% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.6893% | 860 |
| Noncurrent loans to loans | 1.8334% | 971 |
| Net loans and leases to total assets | 77.7480% | 1,279 |
| Net loans and leases to deposits | 92.9208% | 1,367 |
| Net loans and leases to core deposits | 93.7559% | 2,175 |
| Total domestic deposits to total assets | 83.6712% | 3,335 |
| Equity capital to assets | 8.3616% | 5,375 |
| Core capital (leverage) ratio | 8.6198% | 5,123 |
| Tier 1 risk-based capital ratio | 10.0191% | 5,625 |
| Total risk-based capital ratio | 11.2133% | 5,599 |
| Memoranda: | ||
| Average total assets | $250,183,000 | 2,515 |
| Average earning assets | $237,125,330 | 2,477 |
| Average equity | $21,390,330 | 3,035 |
| Average total loans | $196,869,000 | 2,196 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 540 |
| Cost of funding earning assets | 0.3706% | 3,304 |
| Net interest margin | 4.6105% | 434 |
| Noninterest income to average assets | 0.4898% | 3,050 |
| Noninterest expense to average assets | 3.1643% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6932% | 561 |
| Return on assets (ROA) | 1.6932% | 572 |
| Pretax return on assets | 1.6932% | 1,024 |
| Return on Equity (ROE) | 19.5743% | 252 |
| Retained earnings to average equity (ytd only) | -12.9489% | 5,637 |
| Net charge-offs to loans | -0.2491% | 5,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1429% | 3,641 |
| Assets per employee ($millions) | 4.0321% | 3,957 |
| Cash dividends to net income (ytd only)* | 166.1524% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 2,513 |
| Loan loss allowance to noncurrent loans | 65.7616% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.8029% | 785 |
| Noncurrent loans to loans | 1.9851% | 900 |
| Net loans and leases to total assets | 76.9057% | 1,272 |
| Net loans and leases to deposits | 89.6935% | 1,576 |
| Net loans and leases to core deposits | 90.3256% | 2,325 |
| Total domestic deposits to total assets | 85.7427% | 2,777 |
| Equity capital to assets | 8.3927% | 5,306 |
| Core capital (leverage) ratio | 8.7794% | 4,974 |
| Tier 1 risk-based capital ratio | 10.5007% | 5,541 |
| Total risk-based capital ratio | 11.7475% | 5,466 |
| Memoranda: | ||
| Average total assets | $244,983,000 | 2,578 |
| Average earning assets | $232,081,000 | 2,534 |
| Average equity | $21,191,000 | 3,068 |
| Average total loans | $192,707,500 | 2,243 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9013% | 738 |
| Cost of funding earning assets | 0.3356% | 3,686 |
| Net interest margin | 4.5657% | 535 |
| Noninterest income to average assets | 0.8327% | 1,640 |
| Noninterest expense to average assets | 3.3074% | 1,556 |
| Loan and lease loss provision to assets | -0.3807% | 5,861 |
| Net operating income to assets | 2.2078% | 224 |
| Return on assets (ROA) | 2.2127% | 230 |
| Pretax return on assets | 2.2127% | 318 |
| Return on Equity (ROE) | 23.2545% | 113 |
| Retained earnings to average equity (ytd only) | 18.5754% | 59 |
| Net charge-offs to loans | -0.4369% | 5,822 |
| Credit loss provision to net charge-offs | 111.2565% | 2,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4159% | 3,863 |
| Assets per employee ($millions) | 3.9996% | 3,968 |
| Cash dividends to net income (ytd only)* | 20.1215% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 2,700 |
| Loan loss allowance to noncurrent loans | 55.4843% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 2.0865% | 640 |
| Noncurrent loans to loans | 2.2910% | 727 |
| Net loans and leases to total assets | 78.4214% | 1,140 |
| Net loans and leases to deposits | 91.4347% | 1,520 |
| Net loans and leases to core deposits | 91.8812% | 2,312 |
| Total domestic deposits to total assets | 85.7676% | 2,692 |
| Equity capital to assets | 8.9180% | 4,892 |
| Core capital (leverage) ratio | 9.4587% | 4,141 |
| Tier 1 risk-based capital ratio | 11.0537% | 5,313 |
| Total risk-based capital ratio | 12.2655% | 5,228 |
| Memoranda: | ||
| Average total assets | $223,254,800 | 2,731 |
| Average earning assets | $210,350,600 | 2,694 |
| Average equity | $21,243,200 | 3,044 |
| Average total loans | $174,881,200 | 2,359 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8878% | 745 |
| Cost of funding earning assets | 0.3251% | 3,816 |
| Net interest margin | 4.5627% | 540 |
| Noninterest income to average assets | 0.9111% | 1,374 |
| Noninterest expense to average assets | 3.2451% | 1,693 |
| Loan and lease loss provision to assets | -0.2130% | 5,874 |
| Net operating income to assets | 2.1758% | 256 |
| Return on assets (ROA) | 2.1825% | 267 |
| Pretax return on assets | 2.1825% | 404 |
| Return on Equity (ROE) | 22.5489% | 144 |
| Retained earnings to average equity (ytd only) | 18.9962% | 67 |
| Net charge-offs to loans | -0.3954% | 5,865 |
| Credit loss provision to net charge-offs | 69.0335% | 2,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3116% | 4,173 |
| Assets per employee ($millions) | 3.9605% | 4,037 |
| Cash dividends to net income (ytd only)* | 15.7556% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 1,811 |
| Loan loss allowance to noncurrent loans | 60.2124% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 2.2176% | 657 |
| Noncurrent loans to loans | 2.4690% | 715 |
| Net loans and leases to total assets | 76.8790% | 1,383 |
| Net loans and leases to deposits | 90.2161% | 1,725 |
| Net loans and leases to core deposits | 90.6793% | 2,515 |
| Total domestic deposits to total assets | 85.2165% | 2,713 |
| Equity capital to assets | 9.3579% | 4,808 |
| Core capital (leverage) ratio | 9.2851% | 4,476 |
| Tier 1 risk-based capital ratio | 11.0674% | 5,343 |
| Total risk-based capital ratio | 12.3190% | 5,238 |
| Memoranda: | ||
| Average total assets | $219,075,000 | 2,776 |
| Average earning assets | $206,305,000 | 2,735 |
| Average equity | $21,203,750 | 3,071 |
| Average total loans | $170,948,000 | 2,405 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8678% | 777 |
| Cost of funding earning assets | 0.2979% | 4,157 |
| Net interest margin | 4.5699% | 533 |
| Noninterest income to average assets | 1.0384% | 1,038 |
| Noninterest expense to average assets | 3.2459% | 1,700 |
| Loan and lease loss provision to assets | -0.3248% | 5,983 |
| Net operating income to assets | 2.4164% | 169 |
| Return on assets (ROA) | 2.4266% | 169 |
| Pretax return on assets | 2.4266% | 241 |
| Return on Equity (ROE) | 24.7793% | 93 |
| Retained earnings to average equity (ytd only) | 24.7793% | 33 |
| Net charge-offs to loans | -0.2854% | 5,878 |
| Credit loss provision to net charge-offs | 145.8333% | 1,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8136% | 4,537 |
| Assets per employee ($millions) | 3.7453% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 2,517 |
| Loan loss allowance to noncurrent loans | 52.0399% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 2.4079% | 595 |
| Noncurrent loans to loans | 2.5992% | 646 |
| Net loans and leases to total assets | 77.8254% | 1,227 |
| Net loans and leases to deposits | 91.4279% | 1,584 |
| Net loans and leases to core deposits | 91.9200% | 2,360 |
| Total domestic deposits to total assets | 85.1222% | 2,816 |
| Equity capital to assets | 9.3584% | 4,909 |
| Core capital (leverage) ratio | 9.4819% | 4,231 |
| Tier 1 risk-based capital ratio | 10.6158% | 5,619 |
| Total risk-based capital ratio | 11.8413% | 5,547 |
| Memoranda: | ||
| Average total assets | $215,530,330 | 2,820 |
| Average earning assets | $202,762,670 | 2,782 |
| Average equity | $21,106,330 | 3,084 |
| Average total loans | $168,176,330 | 2,435 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6947% | 1,059 |
| Cost of funding earning assets | 0.2878% | 4,298 |
| Net interest margin | 4.4070% | 730 |
| Noninterest income to average assets | 0.5708% | 2,671 |
| Noninterest expense to average assets | 3.4475% | 1,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2762% | 1,317 |
| Return on assets (ROA) | 1.2857% | 1,374 |
| Pretax return on assets | 1.2857% | 2,366 |
| Return on Equity (ROE) | 12.8260% | 1,076 |
| Retained earnings to average equity (ytd only) | 12.8260% | 413 |
| Net charge-offs to loans | 0.0856% | 1,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 19.2286% | 1,515 |
| Efficiency ratio | 72.9827% | 2,643 |
| Assets per employee ($millions) | 3.6437% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 2,163 |
| Loan loss allowance to noncurrent loans | 48.9990% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 2.7831% | 486 |
| Noncurrent loans to loans | 2.9775% | 557 |
| Net loans and leases to total assets | 77.6678% | 1,143 |
| Net loans and leases to deposits | 87.8543% | 1,848 |
| Net loans and leases to core deposits | 88.3302% | 2,534 |
| Total domestic deposits to total assets | 88.4053% | 1,407 |
| Equity capital to assets | 10.0336% | 4,037 |
| Core capital (leverage) ratio | 10.1999% | 3,312 |
| Tier 1 risk-based capital ratio | 11.1699% | 5,415 |
| Total risk-based capital ratio | 12.4204% | 5,324 |
| Memoranda: | ||
| Average total assets | $210,937,000 | 2,885 |
| Average earning assets | $198,776,000 | 2,831 |
| Average equity | $21,144,500 | 3,090 |
| Average total loans | $163,622,000 | 2,486 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7608% | 990 |
| Cost of funding earning assets | 0.2504% | 4,782 |
| Net interest margin | 4.5104% | 638 |
| Noninterest income to average assets | 1.0094% | 1,159 |
| Noninterest expense to average assets | 3.5446% | 1,221 |
| Loan and lease loss provision to assets | -1.0380% | 6,174 |
| Net operating income to assets | 2.7283% | 115 |
| Return on assets (ROA) | 2.7340% | 117 |
| Pretax return on assets | 2.7340% | 150 |
| Return on Equity (ROE) | 28.8569% | 65 |
| Retained earnings to average equity (ytd only) | 28.8569% | 32 |
| Net charge-offs to loans | -0.6313% | 6,108 |
| Credit loss provision to net charge-offs | 216.6847% | 1,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7109% | 3,623 |
| Assets per employee ($millions) | 3.3918% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 1,647 |
| Loan loss allowance to noncurrent loans | 50.5441% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 2.8517% | 481 |
| Noncurrent loans to loans | 3.1444% | 493 |
| Net loans and leases to total assets | 75.0596% | 1,563 |
| Net loans and leases to deposits | 83.6012% | 2,409 |
| Net loans and leases to core deposits | 84.3895% | 2,938 |
| Total domestic deposits to total assets | 89.7828% | 725 |
| Equity capital to assets | 10.0142% | 3,943 |
| Core capital (leverage) ratio | 10.2176% | 3,244 |
| Tier 1 risk-based capital ratio | 12.3666% | 4,721 |
| Total risk-based capital ratio | 13.6198% | 4,607 |
| Memoranda: | ||
| Average total assets | $192,685,600 | 3,014 |
| Average earning assets | $180,514,800 | 2,994 |
| Average equity | $18,255,600 | 3,347 |
| Average total loans | $146,199,600 | 2,651 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7138% | 1,074 |
| Cost of funding earning assets | 0.2458% | 4,925 |
| Net interest margin | 4.4680% | 702 |
| Noninterest income to average assets | 0.9284% | 1,376 |
| Noninterest expense to average assets | 3.4014% | 1,479 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7046% | 620 |
| Return on assets (ROA) | 1.7123% | 633 |
| Pretax return on assets | 1.7123% | 1,072 |
| Return on Equity (ROE) | 18.3596% | 380 |
| Retained earnings to average equity (ytd only) | 18.3596% | 84 |
| Net charge-offs to loans | -0.4457% | 6,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6160% | 3,782 |
| Assets per employee ($millions) | 3.1511% | 5,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7031% | 336 |
| Loan loss allowance to noncurrent loans | 78.6682% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 3.2536% | 431 |
| Noncurrent loans to loans | 3.4360% | 464 |
| Net loans and leases to total assets | 76.1032% | 1,374 |
| Net loans and leases to deposits | 84.3992% | 2,357 |
| Net loans and leases to core deposits | 85.2526% | 2,929 |
| Total domestic deposits to total assets | 90.1705% | 508 |
| Equity capital to assets | 9.6120% | 4,621 |
| Core capital (leverage) ratio | 9.6344% | 4,131 |
| Tier 1 risk-based capital ratio | 11.6159% | 5,320 |
| Total risk-based capital ratio | 12.8819% | 5,230 |
| Memoranda: | ||
| Average total assets | $189,132,750 | 3,089 |
| Average earning assets | $176,839,250 | 3,056 |
| Average equity | $17,639,750 | 3,458 |
| Average total loans | $143,298,500 | 2,707 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7144% | 1,045 |
| Cost of funding earning assets | 0.2479% | 4,963 |
| Net interest margin | 4.4664% | 673 |
| Noninterest income to average assets | 1.0675% | 1,052 |
| Noninterest expense to average assets | 3.4077% | 1,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8352% | 476 |
| Return on assets (ROA) | 1.8437% | 490 |
| Pretax return on assets | 1.8437% | 823 |
| Return on Equity (ROE) | 19.9758% | 267 |
| Retained earnings to average equity (ytd only) | 19.9758% | 74 |
| Net charge-offs to loans | -0.2086% | 6,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9970% | 4,191 |
| Assets per employee ($millions) | 3.1284% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6289% | 411 |
| Loan loss allowance to noncurrent loans | 69.4843% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 3.5513% | 404 |
| Noncurrent loans to loans | 3.7834% | 436 |
| Net loans and leases to total assets | 73.6412% | 1,719 |
| Net loans and leases to deposits | 81.4309% | 2,622 |
| Net loans and leases to core deposits | 82.2801% | 3,142 |
| Total domestic deposits to total assets | 90.4340% | 479 |
| Equity capital to assets | 9.4169% | 4,757 |
| Core capital (leverage) ratio | 9.4000% | 4,416 |
| Tier 1 risk-based capital ratio | 12.2784% | 4,952 |
| Total risk-based capital ratio | 13.5451% | 4,842 |
| Memoranda: | ||
| Average total assets | $188,104,330 | 3,127 |
| Average earning assets | $175,844,670 | 3,087 |
| Average equity | $17,361,000 | 3,516 |
| Average total loans | $140,948,670 | 2,740 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6551% | 1,114 |
| Cost of funding earning assets | 0.2548% | 4,969 |
| Net interest margin | 4.4003% | 728 |
| Noninterest income to average assets | 0.7817% | 1,776 |
| Noninterest expense to average assets | 3.4200% | 1,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4700% | 904 |
| Return on assets (ROA) | 1.4870% | 926 |
| Pretax return on assets | 1.4870% | 1,605 |
| Return on Equity (ROE) | 16.2758% | 536 |
| Retained earnings to average equity (ytd only) | 16.2758% | 206 |
| Net charge-offs to loans | -0.2250% | 6,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9392% | 3,500 |
| Assets per employee ($millions) | 3.2813% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6019% | 460 |
| Loan loss allowance to noncurrent loans | 63.4020% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 3.8814% | 393 |
| Noncurrent loans to loans | 4.1039% | 411 |
| Net loans and leases to total assets | 72.0661% | 1,792 |
| Net loans and leases to deposits | 79.5506% | 2,611 |
| Net loans and leases to core deposits | 80.3955% | 3,116 |
| Total domestic deposits to total assets | 90.5915% | 495 |
| Equity capital to assets | 9.2472% | 5,031 |
| Core capital (leverage) ratio | 9.4033% | 4,427 |
| Tier 1 risk-based capital ratio | 11.9591% | 5,266 |
| Total risk-based capital ratio | 13.2240% | 5,148 |
| Memoranda: | ||
| Average total assets | $188,303,500 | 3,138 |
| Average earning assets | $175,806,000 | 3,106 |
| Average equity | $17,203,500 | 3,567 |
| Average total loans | $140,442,500 | 2,751 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0161% | 746 |
| Cost of funding earning assets | 0.2510% | 5,312 |
| Net interest margin | 4.7651% | 463 |
| Noninterest income to average assets | 0.9673% | 1,297 |
| Noninterest expense to average assets | 3.6893% | 1,174 |
| Loan and lease loss provision to assets | -1.1612% | 6,500 |
| Net operating income to assets | 2.8038% | 109 |
| Return on assets (ROA) | 2.8114% | 107 |
| Pretax return on assets | 2.8114% | 132 |
| Return on Equity (ROE) | 35.5371% | 30 |
| Retained earnings to average equity (ytd only) | 35.5371% | 13 |
| Net charge-offs to loans | -0.5792% | 6,411 |
| Credit loss provision to net charge-offs | 271.3704% | 941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1931% | 3,673 |
| Assets per employee ($millions) | 3.3266% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5595% | 513 |
| Loan loss allowance to noncurrent loans | 63.1162% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 3.9175% | 434 |
| Noncurrent loans to loans | 4.0552% | 446 |
| Net loans and leases to total assets | 73.2632% | 1,713 |
| Net loans and leases to deposits | 80.7099% | 2,636 |
| Net loans and leases to core deposits | 81.5797% | 3,145 |
| Total domestic deposits to total assets | 90.7735% | 436 |
| Equity capital to assets | 9.0225% | 5,261 |
| Core capital (leverage) ratio | 9.3224% | 4,508 |
| Tier 1 risk-based capital ratio | 12.5859% | 4,986 |
| Total risk-based capital ratio | 13.8542% | 4,887 |
| Memoranda: | ||
| Average total assets | $172,228,400 | 3,307 |
| Average earning assets | $157,751,400 | 3,317 |
| Average equity | $13,625,200 | 4,086 |
| Average total loans | $127,254,400 | 2,918 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9545% | 833 |
| Cost of funding earning assets | 0.2441% | 5,465 |
| Net interest margin | 4.7104% | 495 |
| Noninterest income to average assets | 1.0100% | 1,204 |
| Noninterest expense to average assets | 3.7562% | 1,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5537% | 834 |
| Return on assets (ROA) | 1.5640% | 856 |
| Pretax return on assets | 1.5640% | 1,448 |
| Return on Equity (ROE) | 20.5667% | 246 |
| Retained earnings to average equity (ytd only) | 20.5667% | 63 |
| Net charge-offs to loans | -0.4589% | 6,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7397% | 3,380 |
| Assets per employee ($millions) | 3.0824% | 5,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9329% | 170 |
| Loan loss allowance to noncurrent loans | 96.3822% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 4.0798% | 472 |
| Noncurrent loans to loans | 4.0806% | 505 |
| Net loans and leases to total assets | 73.3363% | 1,624 |
| Net loans and leases to deposits | 79.8638% | 2,710 |
| Net loans and leases to core deposits | 80.8982% | 3,208 |
| Total domestic deposits to total assets | 91.8268% | 178 |
| Equity capital to assets | 7.9228% | 6,171 |
| Core capital (leverage) ratio | 8.4120% | 5,746 |
| Tier 1 risk-based capital ratio | 10.8878% | 6,048 |
| Total risk-based capital ratio | 12.1735% | 5,983 |
| Memoranda: | ||
| Average total assets | $168,713,000 | 3,384 |
| Average earning assets | $154,010,000 | 3,404 |
| Average equity | $12,829,500 | 4,250 |
| Average total loans | $124,051,250 | 2,994 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 950 |
| Cost of funding earning assets | 0.2525% | 5,460 |
| Net interest margin | 4.6220% | 566 |
| Noninterest income to average assets | 0.9748% | 1,272 |
| Noninterest expense to average assets | 3.7527% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4472% | 967 |
| Return on assets (ROA) | 1.4629% | 983 |
| Pretax return on assets | 1.4629% | 1,665 |
| Return on Equity (ROE) | 19.5251% | 318 |
| Retained earnings to average equity (ytd only) | 19.5251% | 89 |
| Net charge-offs to loans | -0.6396% | 6,535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1683% | 3,301 |
| Assets per employee ($millions) | 2.8840% | 5,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1607% | 157 |
| Loan loss allowance to noncurrent loans | 72.1433% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 5.9780% | 250 |
| Noncurrent loans to loans | 5.7672% | 290 |
| Net loans and leases to total assets | 73.3410% | 1,527 |
| Net loans and leases to deposits | 79.9792% | 2,518 |
| Net loans and leases to core deposits | 81.0987% | 3,089 |
| Total domestic deposits to total assets | 91.7001% | 218 |
| Equity capital to assets | 8.0317% | 6,137 |
| Core capital (leverage) ratio | 8.0742% | 6,039 |
| Tier 1 risk-based capital ratio | 10.7590% | 6,149 |
| Total risk-based capital ratio | 12.0468% | 6,079 |
| Memoranda: | ||
| Average total assets | $166,385,330 | 3,429 |
| Average earning assets | $152,098,330 | 3,444 |
| Average equity | $12,466,000 | 4,320 |
| Average total loans | $120,693,670 | 3,047 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4425% | 1,978 |
| Cost of funding earning assets | 0.2604% | 5,484 |
| Net interest margin | 4.1821% | 1,263 |
| Noninterest income to average assets | 0.9702% | 1,201 |
| Noninterest expense to average assets | 3.7590% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0491% | 2,011 |
| Return on assets (ROA) | 1.0491% | 2,077 |
| Pretax return on assets | 1.0491% | 3,140 |
| Return on Equity (ROE) | 14.5154% | 857 |
| Retained earnings to average equity (ytd only) | 14.5154% | 360 |
| Net charge-offs to loans | -0.0948% | 6,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1809% | 2,448 |
| Assets per employee ($millions) | 3.0795% | 5,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1204% | 174 |
| Loan loss allowance to noncurrent loans | 70.1381% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 5.6916% | 321 |
| Noncurrent loans to loans | 5.8746% | 313 |
| Net loans and leases to total assets | 66.9908% | 2,399 |
| Net loans and leases to deposits | 72.5843% | 3,262 |
| Net loans and leases to core deposits | 73.6911% | 3,681 |
| Total domestic deposits to total assets | 92.2938% | 196 |
| Equity capital to assets | 7.3011% | 6,379 |
| Core capital (leverage) ratio | 7.5426% | 6,321 |
| Tier 1 risk-based capital ratio | 10.7468% | 6,260 |
| Total risk-based capital ratio | 12.0341% | 6,208 |
| Memoranda: | ||
| Average total assets | $167,384,500 | 3,442 |
| Average earning assets | $153,606,000 | 3,448 |
| Average equity | $12,097,500 | 4,403 |
| Average total loans | $118,142,000 | 3,109 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 1,981 |
| Cost of funding earning assets | 0.3606% | 5,043 |
| Net interest margin | 4.2043% | 1,340 |
| Noninterest income to average assets | 1.3350% | 779 |
| Noninterest expense to average assets | 3.5921% | 1,463 |
| Loan and lease loss provision to assets | -1.1574% | 6,798 |
| Net operating income to assets | 2.7377% | 134 |
| Return on assets (ROA) | 2.7508% | 132 |
| Pretax return on assets | 2.7508% | 155 |
| Return on Equity (ROE) | 48.8768% | 16 |
| Retained earnings to average equity (ytd only) | 48.8768% | 6 |
| Net charge-offs to loans | -0.1051% | 6,485 |
| Credit loss provision to net charge-offs | 1,583.7398% | 155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4464% | 3,930 |
| Assets per employee ($millions) | 3.1807% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1104% | 187 |
| Loan loss allowance to noncurrent loans | 48.9499% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 7.9469% | 190 |
| Noncurrent loans to loans | 8.3971% | 175 |
| Net loans and leases to total assets | 68.3787% | 2,285 |
| Net loans and leases to deposits | 74.0605% | 3,246 |
| Net loans and leases to core deposits | 75.4292% | 3,677 |
| Total domestic deposits to total assets | 92.3282% | 228 |
| Equity capital to assets | 7.1518% | 6,416 |
| Core capital (leverage) ratio | 7.2752% | 6,450 |
| Tier 1 risk-based capital ratio | 10.2799% | 6,442 |
| Total risk-based capital ratio | 11.5666% | 6,386 |
| Memoranda: | ||
| Average total assets | $168,314,400 | 3,438 |
| Average earning assets | $153,629,400 | 3,444 |
| Average equity | $9,472,800 | 4,986 |
| Average total loans | $117,071,200 | 3,104 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5312% | 2,116 |
| Cost of funding earning assets | 0.3861% | 4,939 |
| Net interest margin | 4.1451% | 1,499 |
| Noninterest income to average assets | 1.3740% | 771 |
| Noninterest expense to average assets | 3.6731% | 1,284 |
| Loan and lease loss provision to assets | -1.5365% | 6,883 |
| Net operating income to assets | 3.0137% | 106 |
| Return on assets (ROA) | 3.0311% | 103 |
| Pretax return on assets | 3.0311% | 134 |
| Return on Equity (ROE) | 57.6769% | 12 |
| Retained earnings to average equity (ytd only) | 57.6769% | 6 |
| Net charge-offs to loans | -0.3069% | 6,729 |
| Credit loss provision to net charge-offs | 724.1636% | 405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3170% | 3,548 |
| Assets per employee ($millions) | 3.2929% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3482% | 183 |
| Loan loss allowance to noncurrent loans | 43.5864% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 8.9738% | 177 |
| Noncurrent loans to loans | 9.9760% | 135 |
| Net loans and leases to total assets | 66.7377% | 2,513 |
| Net loans and leases to deposits | 72.0697% | 3,507 |
| Net loans and leases to core deposits | 73.4818% | 3,908 |
| Total domestic deposits to total assets | 92.6017% | 165 |
| Equity capital to assets | 6.7587% | 6,600 |
| Core capital (leverage) ratio | 6.8543% | 6,619 |
| Tier 1 risk-based capital ratio | 9.7956% | 6,638 |
| Total risk-based capital ratio | 11.0922% | 6,603 |
| Memoranda: | ||
| Average total assets | $169,043,500 | 3,465 |
| Average earning assets | $154,010,750 | 3,468 |
| Average equity | $8,883,750 | 5,168 |
| Average total loans | $116,852,750 | 3,127 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5002% | 2,200 |
| Cost of funding earning assets | 0.4118% | 4,843 |
| Net interest margin | 4.0884% | 1,575 |
| Noninterest income to average assets | 1.5307% | 667 |
| Noninterest expense to average assets | 3.6866% | 1,269 |
| Loan and lease loss provision to assets | 0.0610% | 3,789 |
| Net operating income to assets | 1.4979% | 902 |
| Return on assets (ROA) | 1.5237% | 933 |
| Pretax return on assets | 1.5237% | 1,553 |
| Return on Equity (ROE) | 31.9334% | 58 |
| Retained earnings to average equity (ytd only) | 31.9334% | 28 |
| Net charge-offs to loans | 0.3064% | 1,958 |
| Credit loss provision to net charge-offs | 28.8889% | 3,608 |
| Earnings coverage of net charge-offs (x) | 7.3833% | 2,555 |
| Efficiency ratio | 70.2818% | 3,774 |
| Assets per employee ($millions) | 3.2675% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6611% | 81 |
| Loan loss allowance to noncurrent loans | 56.1176% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 9.5216% | 165 |
| Noncurrent loans to loans | 10.0879% | 155 |
| Net loans and leases to total assets | 66.7595% | 2,456 |
| Net loans and leases to deposits | 70.8747% | 3,606 |
| Net loans and leases to core deposits | 72.2450% | 4,007 |
| Total domestic deposits to total assets | 94.1938% | 54 |
| Equity capital to assets | 5.2376% | 6,808 |
| Core capital (leverage) ratio | 5.1820% | 6,815 |
| Tier 1 risk-based capital ratio | 7.6342% | 6,815 |
| Total risk-based capital ratio | 8.9485% | 6,815 |
| Memoranda: | ||
| Average total assets | $170,509,330 | 3,453 |
| Average earning assets | $154,927,330 | 3,480 |
| Average equity | $8,135,670 | 5,399 |
| Average total loans | $117,511,670 | 3,116 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 2,674 |
| Cost of funding earning assets | 0.4433% | 4,670 |
| Net interest margin | 3.9114% | 2,081 |
| Noninterest income to average assets | 1.4614% | 723 |
| Noninterest expense to average assets | 3.6467% | 1,343 |
| Loan and lease loss provision to assets | 0.1195% | 2,732 |
| Net operating income to assets | 1.2431% | 1,410 |
| Return on assets (ROA) | 1.2937% | 1,395 |
| Pretax return on assets | 1.2937% | 2,255 |
| Return on Equity (ROE) | 28.4164% | 90 |
| Retained earnings to average equity (ytd only) | 28.4164% | 51 |
| Net charge-offs to loans | -0.0979% | 6,434 |
| Credit loss provision to net charge-offs | -179.3103% | 5,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7982% | 3,471 |
| Assets per employee ($millions) | 3.6178% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7792% | 87 |
| Loan loss allowance to noncurrent loans | 52.7491% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 9.8563% | 200 |
| Noncurrent loans to loans | 10.9560% | 167 |
| Net loans and leases to total assets | 63.4096% | 2,814 |
| Net loans and leases to deposits | 67.3525% | 3,866 |
| Net loans and leases to core deposits | 69.0067% | 4,183 |
| Total domestic deposits to total assets | 94.1459% | 66 |
| Equity capital to assets | 4.7099% | 6,910 |
| Core capital (leverage) ratio | 4.6183% | 6,900 |
| Tier 1 risk-based capital ratio | 6.8189% | 6,905 |
| Total risk-based capital ratio | 8.1333% | 6,907 |
| Memoranda: | ||
| Average total assets | $174,076,000 | 3,433 |
| Average earning assets | $157,897,500 | 3,468 |
| Average equity | $7,925,000 | 5,507 |
| Average total loans | $118,460,500 | 3,115 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9017% | 1,832 |
| Cost of funding earning assets | 0.6020% | 4,333 |
| Net interest margin | 4.2998% | 1,403 |
| Noninterest income to average assets | 0.7691% | 2,396 |
| Noninterest expense to average assets | 4.1466% | 821 |
| Loan and lease loss provision to assets | 1.2828% | 273 |
| Net operating income to assets | -0.8222% | 6,683 |
| Return on assets (ROA) | -0.7820% | 6,690 |
| Pretax return on assets | -0.7820% | 6,668 |
| Return on Equity (ROE) | -18.5802% | 6,862 |
| Retained earnings to average equity (ytd only) | -18.5802% | 6,823 |
| Net charge-offs to loans | 3.9586% | 75 |
| Credit loss provision to net charge-offs | 45.8310% | 4,789 |
| Earnings coverage of net charge-offs (x) | 0.1645% | 5,406 |
| Efficiency ratio | 90.0034% | 1,073 |
| Assets per employee ($millions) | 3.5612% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5584% | 92 |
| Loan loss allowance to noncurrent loans | 43.7545% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 11.2472% | 173 |
| Noncurrent loans to loans | 12.7036% | 129 |
| Net loans and leases to total assets | 64.9753% | 2,725 |
| Net loans and leases to deposits | 70.0512% | 3,704 |
| Net loans and leases to core deposits | 72.5168% | 3,979 |
| Total domestic deposits to total assets | 92.7540% | 155 |
| Equity capital to assets | 4.3961% | 6,983 |
| Core capital (leverage) ratio | 4.0270% | 6,990 |
| Tier 1 risk-based capital ratio | 6.0395% | 6,990 |
| Total risk-based capital ratio | 7.3499% | 6,988 |
| Memoranda: | ||
| Average total assets | $194,112,600 | 3,122 |
| Average earning assets | $173,265,800 | 3,187 |
| Average equity | $8,170,000 | 5,454 |
| Average total loans | $137,244,200 | 2,752 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9579% | 1,809 |
| Cost of funding earning assets | 0.6350% | 4,317 |
| Net interest margin | 4.3229% | 1,415 |
| Noninterest income to average assets | 0.7108% | 2,653 |
| Noninterest expense to average assets | 4.3158% | 651 |
| Loan and lease loss provision to assets | 1.4672% | 217 |
| Net operating income to assets | -1.2273% | 6,914 |
| Return on assets (ROA) | -1.1751% | 6,923 |
| Pretax return on assets | -1.1751% | 6,907 |
| Return on Equity (ROE) | -28.1939% | 7,054 |
| Retained earnings to average equity (ytd only) | -28.1939% | 7,045 |
| Net charge-offs to loans | 3.9752% | 90 |
| Credit loss provision to net charge-offs | 51.8957% | 4,355 |
| Earnings coverage of net charge-offs (x) | 0.0848% | 5,295 |
| Efficiency ratio | 94.7353% | 731 |
| Assets per employee ($millions) | 3.2325% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0139% | 66 |
| Loan loss allowance to noncurrent loans | 46.9925% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 12.9455% | 132 |
| Noncurrent loans to loans | 12.7975% | 145 |
| Net loans and leases to total assets | 64.3452% | 2,965 |
| Net loans and leases to deposits | 69.5837% | 3,954 |
| Net loans and leases to core deposits | 73.2551% | 4,077 |
| Total domestic deposits to total assets | 92.4716% | 152 |
| Equity capital to assets | 4.0874% | 7,100 |
| Core capital (leverage) ratio | 3.7705% | 7,103 |
| Tier 1 risk-based capital ratio | 5.4758% | 7,103 |
| Total risk-based capital ratio | 6.7896% | 7,103 |
| Memoranda: | ||
| Average total assets | $199,016,500 | 3,088 |
| Average earning assets | $177,007,750 | 3,174 |
| Average equity | $8,294,750 | 5,479 |
| Average total loans | $141,542,000 | 2,736 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0473% | 1,670 |
| Cost of funding earning assets | 0.6783% | 4,193 |
| Net interest margin | 4.3690% | 1,285 |
| Noninterest income to average assets | 0.5453% | 3,614 |
| Noninterest expense to average assets | 4.1895% | 738 |
| Loan and lease loss provision to assets | 1.7309% | 195 |
| Net operating income to assets | -1.4965% | 7,019 |
| Return on assets (ROA) | -1.4387% | 7,025 |
| Pretax return on assets | -1.4387% | 6,995 |
| Return on Equity (ROE) | -34.3185% | 7,127 |
| Retained earnings to average equity (ytd only) | -34.3185% | 7,120 |
| Net charge-offs to loans | 4.9497% | 64 |
| Credit loss provision to net charge-offs | 48.6226% | 4,068 |
| Earnings coverage of net charge-offs (x) | 0.0658% | 5,049 |
| Efficiency ratio | 94.7018% | 773 |
| Assets per employee ($millions) | 3.0760% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7212% | 93 |
| Loan loss allowance to noncurrent loans | 63.9627% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 10.6473% | 231 |
| Noncurrent loans to loans | 8.9446% | 346 |
| Net loans and leases to total assets | 66.9732% | 2,466 |
| Net loans and leases to deposits | 72.3425% | 3,562 |
| Net loans and leases to core deposits | 77.1593% | 3,634 |
| Total domestic deposits to total assets | 92.5779% | 153 |
| Equity capital to assets | 4.0505% | 7,141 |
| Core capital (leverage) ratio | 3.7353% | 7,145 |
| Tier 1 risk-based capital ratio | 5.2962% | 7,154 |
| Total risk-based capital ratio | 6.6057% | 7,156 |
| Memoranda: | ||
| Average total assets | $203,938,670 | 3,042 |
| Average earning assets | $181,047,000 | 3,110 |
| Average equity | $8,549,330 | 5,401 |
| Average total loans | $146,675,330 | 2,657 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1467% | 1,439 |
| Cost of funding earning assets | 0.7169% | 4,138 |
| Net interest margin | 4.4298% | 1,165 |
| Noninterest income to average assets | 0.8663% | 1,884 |
| Noninterest expense to average assets | 3.9344% | 1,013 |
| Loan and lease loss provision to assets | 1.8333% | 169 |
| Net operating income to assets | -0.9689% | 6,990 |
| Return on assets (ROA) | -0.8568% | 6,987 |
| Pretax return on assets | -0.8568% | 6,946 |
| Return on Equity (ROE) | -20.1306% | 7,110 |
| Retained earnings to average equity (ytd only) | -20.1306% | 7,044 |
| Net charge-offs to loans | 8.0592% | 33 |
| Credit loss provision to net charge-offs | 31.4537% | 3,600 |
| Earnings coverage of net charge-offs (x) | 0.1483% | 4,295 |
| Efficiency ratio | 81.9873% | 1,934 |
| Assets per employee ($millions) | 3.5082% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1075% | 164 |
| Loan loss allowance to noncurrent loans | 49.5286% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 12.4722% | 184 |
| Noncurrent loans to loans | 10.3122% | 287 |
| Net loans and leases to total assets | 67.4386% | 2,209 |
| Net loans and leases to deposits | 75.1119% | 2,956 |
| Net loans and leases to core deposits | 80.0286% | 3,067 |
| Total domestic deposits to total assets | 89.7841% | 1,203 |
| Equity capital to assets | 4.2105% | 7,173 |
| Core capital (leverage) ratio | 3.9969% | 7,178 |
| Tier 1 risk-based capital ratio | 5.4743% | 7,188 |
| Total risk-based capital ratio | 6.7756% | 7,189 |
| Memoranda: | ||
| Average total assets | $210,550,500 | 2,983 |
| Average earning assets | $186,917,500 | 3,055 |
| Average equity | $8,961,500 | 5,292 |
| Average total loans | $152,273,500 | 2,598 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2803% | 1,769 |
| Cost of funding earning assets | 0.8555% | 4,434 |
| Net interest margin | 4.4248% | 1,329 |
| Noninterest income to average assets | -0.4925% | 7,264 |
| Noninterest expense to average assets | 3.8550% | 1,250 |
| Loan and lease loss provision to assets | 1.8886% | 336 |
| Net operating income to assets | -2.2586% | 7,071 |
| Return on assets (ROA) | -2.2323% | 7,085 |
| Pretax return on assets | -2.2323% | 7,075 |
| Return on Equity (ROE) | -44.9055% | 7,184 |
| Retained earnings to average equity (ytd only) | -44.9055% | 7,181 |
| Net charge-offs to loans | 0.7634% | 2,249 |
| Credit loss provision to net charge-offs | 319.2136% | 732 |
| Earnings coverage of net charge-offs (x) | -0.6254% | 6,124 |
| Efficiency ratio | 110.6171% | 427 |
| Assets per employee ($millions) | 3.8931% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1074% | 85 |
| Loan loss allowance to noncurrent loans | 52.1475% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 14.1808% | 146 |
| Noncurrent loans to loans | 11.7117% | 232 |
| Net loans and leases to total assets | 69.0421% | 2,208 |
| Net loans and leases to deposits | 77.9151% | 2,855 |
| Net loans and leases to core deposits | 83.7201% | 2,924 |
| Total domestic deposits to total assets | 88.6120% | 1,777 |
| Equity capital to assets | 4.3004% | 7,205 |
| Core capital (leverage) ratio | 4.0872% | 7,206 |
| Tier 1 risk-based capital ratio | 5.4390% | 7,225 |
| Total risk-based capital ratio | 6.7522% | 7,223 |
| Memoranda: | ||
| Average total assets | $227,836,600 | 2,752 |
| Average earning assets | $204,800,000 | 2,791 |
| Average equity | $11,326,000 | 4,707 |
| Average total loans | $176,569,000 | 2,300 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2332% | 2,082 |
| Cost of funding earning assets | 0.8806% | 4,548 |
| Net interest margin | 4.3526% | 1,555 |
| Noninterest income to average assets | -0.6434% | 7,374 |
| Noninterest expense to average assets | 3.9492% | 1,074 |
| Loan and lease loss provision to assets | 1.8322% | 324 |
| Net operating income to assets | -2.4981% | 7,207 |
| Return on assets (ROA) | -2.4635% | 7,212 |
| Pretax return on assets | -2.4635% | 7,201 |
| Return on Equity (ROE) | -48.0552% | 7,283 |
| Retained earnings to average equity (ytd only) | -48.0552% | 7,277 |
| Net charge-offs to loans | 0.7043% | 2,148 |
| Credit loss provision to net charge-offs | 331.7328% | 851 |
| Earnings coverage of net charge-offs (x) | -1.2056% | 5,957 |
| Efficiency ratio | 120.2809% | 305 |
| Assets per employee ($millions) | 3.6135% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3123% | 149 |
| Loan loss allowance to noncurrent loans | 38.5527% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 14.9094% | 136 |
| Noncurrent loans to loans | 13.7794% | 171 |
| Net loans and leases to total assets | 71.8143% | 1,750 |
| Net loans and leases to deposits | 81.9902% | 2,358 |
| Net loans and leases to core deposits | 88.8046% | 2,389 |
| Total domestic deposits to total assets | 87.5889% | 2,299 |
| Equity capital to assets | 4.5621% | 7,290 |
| Core capital (leverage) ratio | 4.3117% | 7,283 |
| Tier 1 risk-based capital ratio | 5.6268% | 7,307 |
| Total risk-based capital ratio | 6.9252% | 7,308 |
| Memoranda: | ||
| Average total assets | $231,265,750 | 2,720 |
| Average earning assets | $208,638,750 | 2,749 |
| Average equity | $11,855,500 | 4,600 |
| Average total loans | $181,349,000 | 2,252 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2497% | 2,064 |
| Cost of funding earning assets | 0.9126% | 4,568 |
| Net interest margin | 4.3370% | 1,546 |
| Noninterest income to average assets | -0.9494% | 7,476 |
| Noninterest expense to average assets | 4.0591% | 960 |
| Loan and lease loss provision to assets | 2.4506% | 213 |
| Net operating income to assets | -3.5380% | 7,367 |
| Return on assets (ROA) | -3.4877% | 7,369 |
| Pretax return on assets | -3.4877% | 7,363 |
| Return on Equity (ROE) | -65.7710% | 7,387 |
| Retained earnings to average equity (ytd only) | -65.7710% | 7,384 |
| Net charge-offs to loans | 0.6664% | 2,168 |
| Credit loss provision to net charge-offs | 464.1935% | 660 |
| Earnings coverage of net charge-offs (x) | -2.0597% | 5,717 |
| Efficiency ratio | 136.5903% | 216 |
| Assets per employee ($millions) | 3.1593% | 5,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0228% | 184 |
| Loan loss allowance to noncurrent loans | 38.2085% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 14.1044% | 172 |
| Noncurrent loans to loans | 13.1458% | 198 |
| Net loans and leases to total assets | 74.1427% | 1,387 |
| Net loans and leases to deposits | 84.6582% | 2,003 |
| Net loans and leases to core deposits | 93.1768% | 2,000 |
| Total domestic deposits to total assets | 87.5789% | 2,425 |
| Equity capital to assets | 4.4622% | 7,359 |
| Core capital (leverage) ratio | 4.3281% | 7,355 |
| Tier 1 risk-based capital ratio | 5.3858% | 7,387 |
| Total risk-based capital ratio | 6.6806% | 7,387 |
| Memoranda: | ||
| Average total assets | $234,879,670 | 2,705 |
| Average earning assets | $212,357,000 | 2,729 |
| Average equity | $12,455,330 | 4,440 |
| Average total loans | $186,073,000 | 2,211 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4048% | 1,539 |
| Cost of funding earning assets | 0.9443% | 4,615 |
| Net interest margin | 4.4605% | 1,150 |
| Noninterest income to average assets | -0.7293% | 7,521 |
| Noninterest expense to average assets | 3.6649% | 1,615 |
| Loan and lease loss provision to assets | 1.1317% | 639 |
| Net operating income to assets | -1.4871% | 7,197 |
| Return on assets (ROA) | -1.4301% | 7,177 |
| Pretax return on assets | -1.4301% | 7,135 |
| Return on Equity (ROE) | -25.0735% | 7,280 |
| Retained earnings to average equity (ytd only) | -25.0735% | 7,243 |
| Net charge-offs to loans | 0.7587% | 1,704 |
| Credit loss provision to net charge-offs | 186.9806% | 1,574 |
| Earnings coverage of net charge-offs (x) | -0.5873% | 4,820 |
| Efficiency ratio | 110.7396% | 486 |
| Assets per employee ($millions) | 3.4106% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7616% | 501 |
| Loan loss allowance to noncurrent loans | 35.0133% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 12.8282% | 221 |
| Noncurrent loans to loans | 10.7434% | 349 |
| Net loans and leases to total assets | 76.9450% | 880 |
| Net loans and leases to deposits | 85.1055% | 1,863 |
| Net loans and leases to core deposits | 95.1941% | 1,745 |
| Total domestic deposits to total assets | 90.4113% | 889 |
| Equity capital to assets | 5.6688% | 7,324 |
| Core capital (leverage) ratio | 5.3737% | 7,324 |
| Tier 1 risk-based capital ratio | 6.7349% | 7,385 |
| Total risk-based capital ratio | 8.0136% | 7,390 |
| Memoranda: | ||
| Average total assets | $238,585,500 | 2,688 |
| Average earning assets | $216,031,000 | 2,710 |
| Average equity | $13,608,000 | 4,187 |
| Average total loans | $190,324,500 | 2,200 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0577% | 759 |
| Cost of funding earning assets | 1.2958% | 3,911 |
| Net interest margin | 4.7619% | 714 |
| Noninterest income to average assets | -0.5603% | 7,578 |
| Noninterest expense to average assets | 3.0809% | 3,543 |
| Loan and lease loss provision to assets | 4.4421% | 115 |
| Net operating income to assets | -3.7507% | 7,412 |
| Return on assets (ROA) | -3.7361% | 7,422 |
| Pretax return on assets | -3.7361% | 7,401 |
| Return on Equity (ROE) | -54.6076% | 7,447 |
| Retained earnings to average equity (ytd only) | -56.2375% | 7,457 |
| Net charge-offs to loans | 2.5033% | 748 |
| Credit loss provision to net charge-offs | 218.5395% | 1,376 |
| Earnings coverage of net charge-offs (x) | 0.3401% | 5,765 |
| Efficiency ratio | 81.6718% | 2,204 |
| Assets per employee ($millions) | 3.5544% | 4,815 |
| Cash dividends to net income (ytd only)* | -2.9848% | 7,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4120% | 630 |
| Loan loss allowance to noncurrent loans | 50.7080% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 8.4436% | 560 |
| Noncurrent loans to loans | 6.7287% | 864 |
| Net loans and leases to total assets | 76.8854% | 1,113 |
| Net loans and leases to deposits | 85.2389% | 2,233 |
| Net loans and leases to core deposits | 97.0808% | 1,883 |
| Total domestic deposits to total assets | 90.1999% | 991 |
| Equity capital to assets | 5.7365% | 7,375 |
| Core capital (leverage) ratio | 5.3088% | 7,382 |
| Tier 1 risk-based capital ratio | 6.8625% | 7,436 |
| Total risk-based capital ratio | 8.1374% | 7,438 |
| Memoranda: | ||
| Average total assets | $260,055,200 | 2,456 |
| Average earning assets | $236,606,600 | 2,462 |
| Average equity | $17,792,400 | 3,460 |
| Average total loans | $211,159,600 | 2,056 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2069% | 610 |
| Cost of funding earning assets | 1.3783% | 3,720 |
| Net interest margin | 4.8286% | 635 |
| Noninterest income to average assets | -0.3326% | 7,640 |
| Noninterest expense to average assets | 3.1791% | 3,003 |
| Loan and lease loss provision to assets | 5.5636% | 63 |
| Net operating income to assets | -4.6850% | 7,623 |
| Return on assets (ROA) | -4.6658% | 7,630 |
| Pretax return on assets | -4.6658% | 7,612 |
| Return on Equity (ROE) | -65.7277% | 7,622 |
| Retained earnings to average equity (ytd only) | -67.7928% | 7,629 |
| Net charge-offs to loans | 0.1847% | 4,845 |
| Credit loss provision to net charge-offs | 3,693.2886% | 81 |
| Earnings coverage of net charge-offs (x) | 5.8323% | 2,666 |
| Efficiency ratio | 78.3481% | 2,580 |
| Assets per employee ($millions) | 3.8756% | 4,087 |
| Cash dividends to net income (ytd only)* | -3.1420% | 7,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4348% | 133 |
| Loan loss allowance to noncurrent loans | 159.7094% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 6.5103% | 875 |
| Noncurrent loans to loans | 3.4029% | 2,337 |
| Net loans and leases to total assets | 77.8873% | 1,056 |
| Net loans and leases to deposits | 87.5562% | 2,068 |
| Net loans and leases to core deposits | 102.8126% | 1,580 |
| Total domestic deposits to total assets | 88.9570% | 1,413 |
| Equity capital to assets | 5.9773% | 7,492 |
| Core capital (leverage) ratio | 5.3943% | 7,508 |
| Tier 1 risk-based capital ratio | 6.9044% | 7,554 |
| Total risk-based capital ratio | 8.2046% | 7,558 |
| Memoranda: | ||
| Average total assets | $263,756,000 | 2,457 |
| Average earning assets | $239,814,750 | 2,465 |
| Average equity | $18,723,250 | 3,352 |
| Average total loans | $215,143,500 | 2,044 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1866% | 639 |
| Cost of funding earning assets | 1.4628% | 3,476 |
| Net interest margin | 4.7238% | 783 |
| Noninterest income to average assets | -0.1398% | 7,654 |
| Noninterest expense to average assets | 3.0134% | 3,664 |
| Loan and lease loss provision to assets | 7.7771% | 28 |
| Net operating income to assets | -6.6157% | 7,756 |
| Return on assets (ROA) | -6.5875% | 7,761 |
| Pretax return on assets | -6.5875% | 7,749 |
| Return on Equity (ROE) | -88.5012% | 7,718 |
| Retained earnings to average equity (ytd only) | -91.3980% | 7,721 |
| Net charge-offs to loans | 0.0064% | 6,281 |
| Credit loss provision to net charge-offs | 149,428.5714% | 1 |
| Earnings coverage of net charge-offs (x) | 223.1429% | 151 |
| Efficiency ratio | 72.1817% | 3,783 |
| Assets per employee ($millions) | 3.9862% | 3,797 |
| Cash dividends to net income (ytd only)* | -3.2731% | 7,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1280% | 160 |
| Loan loss allowance to noncurrent loans | 310.8309% | 940 |
| Noncurrent assets plus other real estate owned to assets | 5.1051% | 1,245 |
| Noncurrent loans to loans | 1.6498% | 4,233 |
| Net loans and leases to total assets | 76.2849% | 1,432 |
| Net loans and leases to deposits | 85.3184% | 2,632 |
| Net loans and leases to core deposits | 103.4686% | 1,687 |
| Total domestic deposits to total assets | 89.4120% | 1,219 |
| Equity capital to assets | 5.7703% | 7,564 |
| Core capital (leverage) ratio | 5.4258% | 7,561 |
| Tier 1 risk-based capital ratio | 6.8157% | 7,617 |
| Total risk-based capital ratio | 8.1118% | 7,617 |
| Memoranda: | ||
| Average total assets | $268,995,000 | 2,430 |
| Average earning assets | $245,693,330 | 2,436 |
| Average equity | $20,022,330 | 3,169 |
| Average total loans | $218,760,000 | 2,037 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1596% | 695 |
| Cost of funding earning assets | 1.5746% | 3,109 |
| Net interest margin | 4.5850% | 980 |
| Noninterest income to average assets | -0.0750% | 7,739 |
| Noninterest expense to average assets | 3.0859% | 3,323 |
| Loan and lease loss provision to assets | 0.5516% | 2,295 |
| Net operating income to assets | 0.5148% | 4,320 |
| Return on assets (ROA) | 0.5148% | 4,462 |
| Pretax return on assets | 0.5148% | 4,908 |
| Return on Equity (ROE) | 6.2380% | 3,753 |
| Retained earnings to average equity (ytd only) | 4.2775% | 3,577 |
| Net charge-offs to loans | 0.0809% | 4,608 |
| Credit loss provision to net charge-offs | 833.3333% | 549 |
| Earnings coverage of net charge-offs (x) | 16.1111% | 1,346 |
| Efficiency ratio | 74.3181% | 3,525 |
| Assets per employee ($millions) | 4.0830% | 3,672 |
| Cash dividends to net income (ytd only)* | 31.4286% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3304% | 7,738 |
| Loan loss allowance to noncurrent loans | 11.8600% | 7,292 |
| Noncurrent assets plus other real estate owned to assets | 4.8271% | 1,359 |
| Noncurrent loans to loans | 2.7859% | 2,871 |
| Net loans and leases to total assets | 81.1576% | 693 |
| Net loans and leases to deposits | 91.4547% | 1,689 |
| Net loans and leases to core deposits | 111.1579% | 1,207 |
| Total domestic deposits to total assets | 88.7408% | 1,649 |
| Equity capital to assets | 9.1024% | 5,128 |
| Core capital (leverage) ratio | 8.7803% | 4,886 |
| Tier 1 risk-based capital ratio | 10.3379% | 6,772 |
| Total risk-based capital ratio | 10.6478% | 7,353 |
| Memoranda: | ||
| Average total assets | $271,947,500 | 2,456 |
| Average earning assets | $250,729,500 | 2,443 |
| Average equity | $22,443,000 | 2,884 |
| Average total loans | $222,367,000 | 2,057 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4950% | 679 |
| Cost of funding earning assets | 1.9933% | 2,991 |
| Net interest margin | 4.5016% | 1,177 |
| Noninterest income to average assets | 0.5689% | 3,873 |
| Noninterest expense to average assets | 3.1841% | 3,430 |
| Loan and lease loss provision to assets | 1.9980% | 1,087 |
| Net operating income to assets | -0.4645% | 6,143 |
| Return on assets (ROA) | -0.4252% | 6,104 |
| Pretax return on assets | -0.4252% | 5,946 |
| Return on Equity (ROE) | -5.2058% | 6,229 |
| Retained earnings to average equity (ytd only) | -12.5253% | 6,720 |
| Net charge-offs to loans | 3.3932% | 584 |
| Credit loss provision to net charge-offs | 70.0687% | 6,492 |
| Earnings coverage of net charge-offs (x) | 0.5378% | 5,576 |
| Efficiency ratio | 67.4924% | 5,099 |
| Assets per employee ($millions) | 4.1578% | 3,507 |
| Cash dividends to net income (ytd only)* | -140.6028% | 7,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1753% | 7,890 |
| Loan loss allowance to noncurrent loans | 5.2443% | 7,419 |
| Noncurrent assets plus other real estate owned to assets | 4.7457% | 1,332 |
| Noncurrent loans to loans | 3.3430% | 2,279 |
| Net loans and leases to total assets | 81.9599% | 688 |
| Net loans and leases to deposits | 92.2723% | 1,856 |
| Net loans and leases to core deposits | 111.5856% | 2,739 |
| Total domestic deposits to total assets | 88.8239% | 1,554 |
| Equity capital to assets | 7.4183% | 7,107 |
| Core capital (leverage) ratio | 7.2467% | 7,032 |
| Tier 1 risk-based capital ratio | 8.3154% | 7,612 |
| Total risk-based capital ratio | 8.4801% | 7,731 |
| Memoranda: | ||
| Average total assets | $265,259,400 | 2,470 |
| Average earning assets | $244,466,200 | 2,459 |
| Average equity | $21,668,200 | 2,991 |
| Average total loans | $222,916,800 | 2,079 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5594% | 663 |
| Cost of funding earning assets | 2.0827% | 2,969 |
| Net interest margin | 4.4767% | 1,252 |
| Noninterest income to average assets | 0.6140% | 3,593 |
| Noninterest expense to average assets | 3.2444% | 3,142 |
| Loan and lease loss provision to assets | 0.6718% | 2,724 |
| Net operating income to assets | 0.8163% | 2,738 |
| Return on assets (ROA) | 0.8690% | 2,611 |
| Pretax return on assets | 0.8690% | 3,324 |
| Return on Equity (ROE) | 10.3895% | 1,792 |
| Retained earnings to average equity (ytd only) | 1.3820% | 4,547 |
| Net charge-offs to loans | 0.5212% | 3,130 |
| Credit loss provision to net charge-offs | 152.4741% | 3,133 |
| Earnings coverage of net charge-offs (x) | 3.3774% | 3,558 |
| Efficiency ratio | 68.5558% | 4,873 |
| Assets per employee ($millions) | 4.0271% | 3,672 |
| Cash dividends to net income (ytd only)* | 86.6975% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 4,177 |
| Loan loss allowance to noncurrent loans | 51.5131% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 4.2874% | 1,448 |
| Noncurrent loans to loans | 2.6285% | 2,874 |
| Net loans and leases to total assets | 84.1084% | 529 |
| Net loans and leases to deposits | 96.9485% | 1,450 |
| Net loans and leases to core deposits | 117.7444% | 2,443 |
| Total domestic deposits to total assets | 86.7557% | 2,302 |
| Equity capital to assets | 8.2801% | 6,530 |
| Core capital (leverage) ratio | 8.2377% | 5,950 |
| Tier 1 risk-based capital ratio | 8.8019% | 7,682 |
| Total risk-based capital ratio | 10.0544% | 7,708 |
| Memoranda: | ||
| Average total assets | $262,970,000 | 2,505 |
| Average earning assets | $241,926,500 | 2,498 |
| Average equity | $21,996,000 | 2,974 |
| Average total loans | $222,319,250 | 2,113 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6113% | 650 |
| Cost of funding earning assets | 2.1799% | 2,885 |
| Net interest margin | 4.4315% | 1,330 |
| Noninterest income to average assets | 0.7357% | 2,787 |
| Noninterest expense to average assets | 3.1777% | 3,401 |
| Loan and lease loss provision to assets | 0.5754% | 2,714 |
| Net operating income to assets | 1.0580% | 1,918 |
| Return on assets (ROA) | 1.1378% | 1,721 |
| Pretax return on assets | 1.1378% | 2,509 |
| Return on Equity (ROE) | 13.5551% | 1,060 |
| Retained earnings to average equity (ytd only) | 3.8572% | 3,141 |
| Net charge-offs to loans | 0.4514% | 3,017 |
| Credit loss provision to net charge-offs | 151.2097% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.2923% | 3,145 |
| Efficiency ratio | 66.0501% | 5,540 |
| Assets per employee ($millions) | 3.9371% | 3,801 |
| Cash dividends to net income (ytd only)* | 71.5442% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 4,213 |
| Loan loss allowance to noncurrent loans | 38.2434% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 5.1947% | 995 |
| Noncurrent loans to loans | 3.4254% | 2,056 |
| Net loans and leases to total assets | 83.1944% | 760 |
| Net loans and leases to deposits | 99.2874% | 1,358 |
| Net loans and leases to core deposits | 122.5149% | 2,154 |
| Total domestic deposits to total assets | 83.7915% | 3,876 |
| Equity capital to assets | 8.4837% | 6,071 |
| Core capital (leverage) ratio | 8.5242% | 5,400 |
| Tier 1 risk-based capital ratio | 9.0979% | 7,638 |
| Total risk-based capital ratio | 10.2980% | 7,685 |
| Memoranda: | ||
| Average total assets | $260,688,330 | 2,538 |
| Average earning assets | $239,739,670 | 2,525 |
| Average equity | $21,881,000 | 2,986 |
| Average total loans | $219,741,670 | 2,160 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5448% | 792 |
| Cost of funding earning assets | 2.2720% | 2,831 |
| Net interest margin | 4.2729% | 1,668 |
| Noninterest income to average assets | 0.7116% | 2,814 |
| Noninterest expense to average assets | 3.0964% | 3,392 |
| Loan and lease loss provision to assets | 0.5788% | 2,176 |
| Net operating income to assets | 0.9786% | 2,402 |
| Return on assets (ROA) | 0.9786% | 2,530 |
| Pretax return on assets | 0.9786% | 3,428 |
| Return on Equity (ROE) | 11.7234% | 1,752 |
| Retained earnings to average equity (ytd only) | 5.7138% | 2,773 |
| Net charge-offs to loans | 0.6629% | 1,855 |
| Credit loss provision to net charge-offs | 103.5912% | 3,634 |
| Earnings coverage of net charge-offs (x) | 2.7873% | 3,383 |
| Efficiency ratio | 66.5340% | 5,224 |
| Assets per employee ($millions) | 3.7857% | 4,127 |
| Cash dividends to net income (ytd only)* | 51.2618% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 4,667 |
| Loan loss allowance to noncurrent loans | 37.4649% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 4.0051% | 1,282 |
| Noncurrent loans to loans | 3.2563% | 1,977 |
| Net loans and leases to total assets | 82.8248% | 881 |
| Net loans and leases to deposits | 98.8076% | 1,558 |
| Net loans and leases to core deposits | 125.6950% | 1,941 |
| Total domestic deposits to total assets | 83.8244% | 3,786 |
| Equity capital to assets | 8.3770% | 6,273 |
| Core capital (leverage) ratio | 8.3573% | 5,797 |
| Tier 1 risk-based capital ratio | 9.0320% | 7,779 |
| Total risk-based capital ratio | 10.1560% | 7,882 |
| Memoranda: | ||
| Average total assets | $259,139,000 | 2,558 |
| Average earning assets | $239,089,000 | 2,542 |
| Average equity | $21,632,000 | 3,023 |
| Average total loans | $218,428,000 | 2,189 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2547% | 653 |
| Cost of funding earning assets | 2.6858% | 3,229 |
| Net interest margin | 4.5689% | 1,258 |
| Noninterest income to average assets | 0.7037% | 3,105 |
| Noninterest expense to average assets | 3.3318% | 2,862 |
| Loan and lease loss provision to assets | 0.4270% | 3,144 |
| Net operating income to assets | 1.1488% | 1,948 |
| Return on assets (ROA) | 1.1488% | 1,874 |
| Pretax return on assets | 1.1488% | 2,838 |
| Return on Equity (ROE) | 13.8075% | 1,148 |
| Retained earnings to average equity (ytd only) | 4.8361% | 2,124 |
| Net charge-offs to loans | 0.2528% | 3,753 |
| Credit loss provision to net charge-offs | 201.1605% | 2,415 |
| Earnings coverage of net charge-offs (x) | 7.4236% | 3,116 |
| Efficiency ratio | 67.8909% | 4,740 |
| Assets per employee ($millions) | 3.5703% | 4,497 |
| Cash dividends to net income (ytd only)* | 64.9750% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 4,374 |
| Loan loss allowance to noncurrent loans | 36.2114% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 3.7481% | 1,152 |
| Noncurrent loans to loans | 3.3709% | 1,529 |
| Net loans and leases to total assets | 83.7048% | 934 |
| Net loans and leases to deposits | 103.0551% | 1,459 |
| Net loans and leases to core deposits | 141.9201% | 1,163 |
| Total domestic deposits to total assets | 81.2234% | 4,547 |
| Equity capital to assets | 8.3178% | 6,398 |
| Core capital (leverage) ratio | 8.3282% | 5,898 |
| Tier 1 risk-based capital ratio | 9.0248% | 7,763 |
| Total risk-based capital ratio | 10.1587% | 7,865 |
| Memoranda: | ||
| Average total assets | $243,565,000 | 2,621 |
| Average earning assets | $224,104,000 | 2,610 |
| Average equity | $20,264,400 | 3,185 |
| Average total loans | $204,539,800 | 2,256 |