Home > Champlain National Bank > Performance and Condition Ratios
Champlain National 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 | 4.2631% | 3,498 |
| Cost of funding earning assets | 1.0797% | 3,114 |
| Net interest margin | 3.1834% | 2,918 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.5376% | 2,199 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.6920% | 3,215 |
| Return on assets (ROA) | 0.6929% | 3,184 |
| Pretax return on assets | 0.8376% | 3,122 |
| Return on Equity (ROE) | 12.7500% | 1,786 |
| Retained earnings to average equity (ytd only) | 10.6663% | 861 |
| Net charge-offs to loans | -0.0019% | 3,684 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.6296% | 1,391 |
| Assets per employee ($millions) | 6.6673% | 2,291 |
| Cash dividends to net income (ytd only)* | 16.3676% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 2,942 |
| Loan loss allowance to noncurrent loans | 38,366.6667% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 3,838 |
| Noncurrent loans to loans | 0.0028% | 3,778 |
| Net loans and leases to total assets | 66.8800% | 2,159 |
| Net loans and leases to deposits | 85.7635% | 1,634 |
| Net loans and leases to core deposits | 90.5359% | 2,012 |
| Total domestic deposits to total assets | 77.9800% | 3,730 |
| Equity capital to assets | 5.6697% | 4,302 |
| Core capital (leverage) ratio | 10.1316% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $466,460,000 | 1,806 |
| Average earning assets | $430,324,000 | 1,810 |
| Average equity | $25,341,400 | 2,499 |
| Average total loans | $308,885,800 | 1,758 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1555% | 3,548 |
| Cost of funding earning assets | 0.9103% | 3,247 |
| Net interest margin | 3.2452% | 2,813 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.5192% | 2,166 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7427% | 3,195 |
| Return on assets (ROA) | 0.7439% | 3,185 |
| Pretax return on assets | 0.9006% | 3,100 |
| Return on Equity (ROE) | 13.8500% | 1,692 |
| Retained earnings to average equity (ytd only) | 11.7272% | 1,021 |
| Net charge-offs to loans | -0.0035% | 3,667 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.9440% | 1,457 |
| Assets per employee ($millions) | 6.4579% | 2,353 |
| Cash dividends to net income (ytd only)* | 15.3105% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 2,994 |
| Loan loss allowance to noncurrent loans | 4,066.6667% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 3,653 |
| Noncurrent loans to loans | 0.0264% | 3,584 |
| Net loans and leases to total assets | 66.7000% | 2,181 |
| Net loans and leases to deposits | 78.0541% | 2,241 |
| Net loans and leases to core deposits | 82.8922% | 2,405 |
| Total domestic deposits to total assets | 85.4600% | 2,361 |
| Equity capital to assets | 4.8442% | 4,279 |
| Core capital (leverage) ratio | 10.1743% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $464,730,750 | 1,812 |
| Average earning assets | $428,110,000 | 1,812 |
| Average equity | $24,967,000 | 2,502 |
| Average total loans | $306,093,250 | 1,775 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 3,568 |
| Cost of funding earning assets | 0.7135% | 3,446 |
| Net interest margin | 3.3478% | 2,651 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.5276% | 2,124 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7826% | 3,136 |
| Return on assets (ROA) | 0.7840% | 3,143 |
| Pretax return on assets | 0.9509% | 3,047 |
| Return on Equity (ROE) | 14.1200% | 1,652 |
| Retained earnings to average equity (ytd only) | 12.0575% | 975 |
| Net charge-offs to loans | -0.0013% | 3,474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.5510% | 1,609 |
| Assets per employee ($millions) | 6.1044% | 2,623 |
| Cash dividends to net income (ytd only)* | 14.6167% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 2,939 |
| Loan loss allowance to noncurrent loans | 33,650.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,880 |
| Noncurrent loans to loans | 0.0033% | 3,804 |
| Net loans and leases to total assets | 64.9500% | 2,283 |
| Net loans and leases to deposits | 77.7983% | 2,150 |
| Net loans and leases to core deposits | 82.2050% | 2,320 |
| Total domestic deposits to total assets | 83.4800% | 2,938 |
| Equity capital to assets | 5.6148% | 4,264 |
| Core capital (leverage) ratio | 10.1289% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $462,497,667 | 1,821 |
| Average earning assets | $426,364,333 | 1,823 |
| Average equity | $25,677,000 | 2,485 |
| Average total loans | $302,164,000 | 1,774 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9882% | 3,480 |
| Cost of funding earning assets | 0.5473% | 3,542 |
| Net interest margin | 3.4408% | 2,525 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.5551% | 2,096 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 0.8777% | 2,929 |
| Return on assets (ROA) | 0.8777% | 2,887 |
| Pretax return on assets | 1.0692% | 2,798 |
| Return on Equity (ROE) | 15.9700% | 1,365 |
| Retained earnings to average equity (ytd only) | 13.8915% | 956 |
| Net charge-offs to loans | 0.0066% | 1,704 |
| Credit loss provision to net charge-offs | -360.0000% | 4,620 |
| Earnings coverage of net charge-offs (x) | 244.6000% | 437 |
| Efficiency ratio | 70.6855% | 1,678 |
| Assets per employee ($millions) | 6.3333% | 2,467 |
| Cash dividends to net income (ytd only)* | 13.0306% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,375 |
| Loan loss allowance to noncurrent loans | 37,230.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,900 |
| Noncurrent loans to loans | 0.0033% | 3,832 |
| Net loans and leases to total assets | 64.5300% | 2,199 |
| Net loans and leases to deposits | 70.3527% | 2,577 |
| Net loans and leases to core deposits | 75.6409% | 2,560 |
| Total domestic deposits to total assets | 91.7200% | 587 |
| Equity capital to assets | 5.8331% | 4,258 |
| Core capital (leverage) ratio | 9.9353% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $461,665,000 | 1,847 |
| Average earning assets | $426,061,500 | 1,844 |
| Average equity | $25,368,000 | 2,527 |
| Average total loans | $300,906,000 | 1,788 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 2,704 |
| Cost of funding earning assets | 0.1492% | 4,129 |
| Net interest margin | 3.4814% | 1,987 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.3936% | 2,441 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0657% | 2,317 |
| Return on assets (ROA) | 1.0662% | 2,261 |
| Pretax return on assets | 1.3124% | 2,046 |
| Return on Equity (ROE) | 17.1200% | 840 |
| Retained earnings to average equity (ytd only) | 15.3058% | 267 |
| Net charge-offs to loans | 0.0456% | 1,230 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 46.0602% | 1,414 |
| Efficiency ratio | 64.5978% | 2,418 |
| Assets per employee ($millions) | 6.4929% | 2,340 |
| Cash dividends to net income (ytd only)* | 10.6045% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 891 |
| Loan loss allowance to noncurrent loans | 49,330.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,927 |
| Noncurrent loans to loans | 0.0033% | 3,857 |
| Net loans and leases to total assets | 63.9500% | 2,248 |
| Net loans and leases to deposits | 72.8905% | 2,340 |
| Net loans and leases to core deposits | 77.9278% | 2,282 |
| Total domestic deposits to total assets | 87.7400% | 2,164 |
| Equity capital to assets | 5.1558% | 4,326 |
| Core capital (leverage) ratio | 9.5483% | 3,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $466,995,600 | 1,814 |
| Average earning assets | $427,638,600 | 1,827 |
| Average equity | $29,080,400 | 2,374 |
| Average total loans | $291,872,400 | 1,761 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5231% | 2,537 |
| Cost of funding earning assets | 0.0943% | 4,324 |
| Net interest margin | 3.4288% | 1,871 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.2366% | 2,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1576% | 1,867 |
| Return on assets (ROA) | 1.1583% | 1,839 |
| Pretax return on assets | 1.4361% | 1,612 |
| Return on Equity (ROE) | 17.8500% | 662 |
| Retained earnings to average equity (ytd only) | 16.1223% | 268 |
| Net charge-offs to loans | 0.0524% | 958 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 44.2368% | 1,342 |
| Efficiency ratio | 60.9130% | 2,991 |
| Assets per employee ($millions) | 6.6085% | 2,234 |
| Cash dividends to net income (ytd only)* | 9.6560% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 946 |
| Loan loss allowance to noncurrent loans | 74.0985% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.3853% | 264 |
| Noncurrent loans to loans | 2.2405% | 254 |
| Net loans and leases to total assets | 60.8000% | 2,423 |
| Net loans and leases to deposits | 65.2914% | 2,768 |
| Net loans and leases to core deposits | 68.9194% | 2,729 |
| Total domestic deposits to total assets | 93.1300% | 550 |
| Equity capital to assets | 4.8551% | 4,318 |
| Core capital (leverage) ratio | 9.3411% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $468,494,750 | 1,817 |
| Average earning assets | $428,432,750 | 1,837 |
| Average equity | $30,408,500 | 2,347 |
| Average total loans | $289,900,000 | 1,766 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5627% | 1,953 |
| Cost of funding earning assets | 0.0536% | 4,572 |
| Net interest margin | 3.5091% | 1,289 |
| Noninterest income to average assets | 0.4575% | 2,407 |
| Noninterest expense to average assets | 2.3326% | 2,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0690% | 1,900 |
| Return on assets (ROA) | 1.0697% | 1,874 |
| Pretax return on assets | 1.3427% | 1,606 |
| Return on Equity (ROE) | 15.1570% | 861 |
| Retained earnings to average equity (ytd only) | 13.5808% | 406 |
| Net charge-offs to loans | 0.0613% | 790 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 35.3636% | 1,318 |
| Efficiency ratio | 63.4828% | 2,843 |
| Assets per employee ($millions) | 6.7396% | 2,130 |
| Cash dividends to net income (ytd only)* | 10.3990% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6826% | 987 |
| Loan loss allowance to noncurrent loans | 153.6420% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6967% | 776 |
| Noncurrent loans to loans | 1.0952% | 754 |
| Net loans and leases to total assets | 62.5482% | 2,062 |
| Net loans and leases to deposits | 69.8800% | 2,216 |
| Net loans and leases to core deposits | 72.4545% | 2,291 |
| Total domestic deposits to total assets | 89.5080% | 1,943 |
| Equity capital to assets | 5.7360% | 4,291 |
| Core capital (leverage) ratio | 9.2958% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $463,853,667 | 1,832 |
| Average earning assets | $425,240,667 | 1,858 |
| Average equity | $32,737,333 | 2,287 |
| Average total loans | $287,105,333 | 1,769 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 1,920 |
| Cost of funding earning assets | 0.0415% | 4,653 |
| Net interest margin | 3.4180% | 1,262 |
| Noninterest income to average assets | 0.4343% | 2,471 |
| Noninterest expense to average assets | 2.3667% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9605% | 2,032 |
| Return on assets (ROA) | 0.9619% | 2,027 |
| Pretax return on assets | 1.2019% | 1,809 |
| Return on Equity (ROE) | 12.4577% | 1,177 |
| Retained earnings to average equity (ytd only) | 11.0487% | 781 |
| Net charge-offs to loans | -0.0014% | 3,055 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3520% | 2,725 |
| Assets per employee ($millions) | 6.6226% | 2,275 |
| Cash dividends to net income (ytd only)* | 11.3106% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 909 |
| Loan loss allowance to noncurrent loans | 88.1371% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.2227% | 356 |
| Noncurrent loans to loans | 2.0192% | 362 |
| Net loans and leases to total assets | 59.4735% | 2,118 |
| Net loans and leases to deposits | 65.3106% | 2,404 |
| Net loans and leases to core deposits | 66.6199% | 2,567 |
| Total domestic deposits to total assets | 91.0626% | 1,003 |
| Equity capital to assets | 6.9176% | 4,248 |
| Core capital (leverage) ratio | 8.9460% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $463,265,500 | 1,846 |
| Average earning assets | $424,570,500 | 1,874 |
| Average equity | $35,769,000 | 2,224 |
| Average total loans | $282,735,000 | 1,776 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7099% | 2,086 |
| Cost of funding earning assets | 0.0663% | 4,610 |
| Net interest margin | 3.6437% | 1,355 |
| Noninterest income to average assets | 0.5040% | 2,548 |
| Noninterest expense to average assets | 2.5810% | 1,919 |
| Loan and lease loss provision to assets | -0.0464% | 4,337 |
| Net operating income to assets | 1.0241% | 2,580 |
| Return on assets (ROA) | 1.0250% | 2,649 |
| Pretax return on assets | 1.2765% | 2,436 |
| Return on Equity (ROE) | 11.6823% | 1,922 |
| Retained earnings to average equity (ytd only) | 10.2402% | 857 |
| Net charge-offs to loans | -0.0032% | 3,450 |
| Credit loss provision to net charge-offs | 2,222.2222% | 290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7453% | 2,023 |
| Assets per employee ($millions) | 6.4271% | 2,389 |
| Cash dividends to net income (ytd only)* | 12.3443% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8044% | 856 |
| Loan loss allowance to noncurrent loans | 87.1195% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.2743% | 374 |
| Noncurrent loans to loans | 2.0712% | 378 |
| Net loans and leases to total assets | 60.4150% | 2,117 |
| Net loans and leases to deposits | 68.4895% | 2,261 |
| Net loans and leases to core deposits | 70.3968% | 2,408 |
| Total domestic deposits to total assets | 88.2106% | 1,932 |
| Equity capital to assets | 8.5489% | 4,019 |
| Core capital (leverage) ratio | 8.6797% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $430,722,200 | 1,893 |
| Average earning assets | $390,787,400 | 1,935 |
| Average equity | $37,792,200 | 2,163 |
| Average total loans | $284,829,600 | 1,766 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7305% | 2,195 |
| Cost of funding earning assets | 0.0743% | 4,670 |
| Net interest margin | 3.6562% | 1,447 |
| Noninterest income to average assets | 0.5078% | 2,589 |
| Noninterest expense to average assets | 2.4226% | 2,363 |
| Loan and lease loss provision to assets | 0.0471% | 2,061 |
| Net operating income to assets | 1.0804% | 2,626 |
| Return on assets (ROA) | 1.0809% | 2,684 |
| Pretax return on assets | 1.3339% | 2,533 |
| Return on Equity (ROE) | 12.2349% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.7446% | 1,113 |
| Net charge-offs to loans | -0.0089% | 3,624 |
| Credit loss provision to net charge-offs | -789.4737% | 3,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7032% | 2,434 |
| Assets per employee ($millions) | 6.7080% | 2,088 |
| Cash dividends to net income (ytd only)* | 12.1802% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9064% | 760 |
| Loan loss allowance to noncurrent loans | 91.9817% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.2563% | 462 |
| Noncurrent loans to loans | 2.0726% | 413 |
| Net loans and leases to total assets | 59.4587% | 2,326 |
| Net loans and leases to deposits | 66.2099% | 2,612 |
| Net loans and leases to core deposits | 68.4430% | 2,736 |
| Total domestic deposits to total assets | 89.8033% | 859 |
| Equity capital to assets | 8.1944% | 4,411 |
| Core capital (leverage) ratio | 8.9338% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $424,321,000 | 1,929 |
| Average earning assets | $382,426,250 | 1,979 |
| Average equity | $37,487,500 | 2,202 |
| Average total loans | $285,848,000 | 1,789 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8329% | 1,988 |
| Cost of funding earning assets | 0.0778% | 4,710 |
| Net interest margin | 3.7551% | 1,211 |
| Noninterest income to average assets | 0.4877% | 2,678 |
| Noninterest expense to average assets | 2.4675% | 2,246 |
| Loan and lease loss provision to assets | 0.0733% | 1,606 |
| Net operating income to assets | 1.0235% | 2,810 |
| Return on assets (ROA) | 1.0238% | 2,889 |
| Pretax return on assets | 1.3679% | 2,420 |
| Return on Equity (ROE) | 11.2764% | 2,310 |
| Retained earnings to average equity (ytd only) | 9.9738% | 1,401 |
| Net charge-offs to loans | -0.0133% | 3,801 |
| Credit loss provision to net charge-offs | -789.4737% | 3,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1362% | 2,549 |
| Assets per employee ($millions) | 5.9709% | 2,645 |
| Cash dividends to net income (ytd only)* | 11.5513% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8639% | 786 |
| Loan loss allowance to noncurrent loans | 209.2557% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 1,335 |
| Noncurrent loans to loans | 0.8908% | 1,385 |
| Net loans and leases to total assets | 68.3497% | 1,407 |
| Net loans and leases to deposits | 77.0218% | 1,728 |
| Net loans and leases to core deposits | 79.9430% | 1,892 |
| Total domestic deposits to total assets | 88.7407% | 1,420 |
| Equity capital to assets | 9.0130% | 3,782 |
| Core capital (leverage) ratio | 9.0536% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $409,240,333 | 1,973 |
| Average earning assets | $372,776,333 | 2,008 |
| Average equity | $37,157,333 | 2,208 |
| Average total loans | $286,256,667 | 1,800 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8524% | 1,950 |
| Cost of funding earning assets | 0.0840% | 4,731 |
| Net interest margin | 3.7684% | 1,204 |
| Noninterest income to average assets | 0.4495% | 2,828 |
| Noninterest expense to average assets | 2.4639% | 2,285 |
| Loan and lease loss provision to assets | 0.1235% | 1,112 |
| Net operating income to assets | 0.9583% | 2,942 |
| Return on assets (ROA) | 0.9583% | 3,034 |
| Pretax return on assets | 1.2745% | 2,641 |
| Return on Equity (ROE) | 10.5148% | 2,525 |
| Retained earnings to average equity (ytd only) | 9.2031% | 1,889 |
| Net charge-offs to loans | -0.0254% | 4,107 |
| Credit loss provision to net charge-offs | -694.4444% | 3,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8015% | 2,490 |
| Assets per employee ($millions) | 6.2583% | 2,364 |
| Cash dividends to net income (ytd only)* | 12.4742% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8550% | 791 |
| Loan loss allowance to noncurrent loans | 200.4454% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 1,477 |
| Noncurrent loans to loans | 0.9255% | 1,462 |
| Net loans and leases to total assets | 68.1364% | 1,516 |
| Net loans and leases to deposits | 76.5168% | 1,851 |
| Net loans and leases to core deposits | 79.9651% | 2,007 |
| Total domestic deposits to total assets | 89.0476% | 1,323 |
| Equity capital to assets | 8.7580% | 3,904 |
| Core capital (leverage) ratio | 9.1748% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $404,878,500 | 1,976 |
| Average earning assets | $366,627,000 | 2,018 |
| Average equity | $36,900,500 | 2,207 |
| Average total loans | $283,833,500 | 1,811 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1816% | 2,192 |
| Cost of funding earning assets | 0.2664% | 4,313 |
| Net interest margin | 3.9152% | 1,177 |
| Noninterest income to average assets | 0.5462% | 2,436 |
| Noninterest expense to average assets | 2.6765% | 2,306 |
| Loan and lease loss provision to assets | 0.3177% | 1,166 |
| Net operating income to assets | 0.9399% | 2,524 |
| Return on assets (ROA) | 0.9402% | 2,670 |
| Pretax return on assets | 1.1427% | 2,539 |
| Return on Equity (ROE) | 10.6231% | 1,765 |
| Retained earnings to average equity (ytd only) | 9.2047% | 727 |
| Net charge-offs to loans | 0.0211% | 2,640 |
| Credit loss provision to net charge-offs | 2,112.0690% | 423 |
| Earnings coverage of net charge-offs (x) | 97.0690% | 798 |
| Efficiency ratio | 64.7022% | 2,722 |
| Assets per employee ($millions) | 5.5779% | 2,764 |
| Cash dividends to net income (ytd only)* | 13.3517% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9008% | 720 |
| Loan loss allowance to noncurrent loans | 193.0591% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.6974% | 1,493 |
| Noncurrent loans to loans | 0.9846% | 1,437 |
| Net loans and leases to total assets | 69.4863% | 1,620 |
| Net loans and leases to deposits | 79.9101% | 1,872 |
| Net loans and leases to core deposits | 88.1271% | 1,681 |
| Total domestic deposits to total assets | 86.9556% | 1,963 |
| Equity capital to assets | 9.4962% | 3,615 |
| Core capital (leverage) ratio | 9.1670% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,573,800 | 1,902 |
| Average earning assets | $353,598,600 | 1,921 |
| Average equity | $34,123,800 | 2,277 |
| Average total loans | $275,485,400 | 1,798 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1884% | 2,428 |
| Cost of funding earning assets | 0.3163% | 4,237 |
| Net interest margin | 3.8721% | 1,423 |
| Noninterest income to average assets | 0.5186% | 2,530 |
| Noninterest expense to average assets | 2.6128% | 2,502 |
| Loan and lease loss provision to assets | 0.2862% | 1,411 |
| Net operating income to assets | 0.9641% | 2,472 |
| Return on assets (ROA) | 0.9644% | 2,606 |
| Pretax return on assets | 1.1791% | 2,460 |
| Return on Equity (ROE) | 11.1024% | 1,647 |
| Retained earnings to average equity (ytd only) | 9.6527% | 839 |
| Net charge-offs to loans | 0.0300% | 2,232 |
| Credit loss provision to net charge-offs | 1,330.6452% | 680 |
| Earnings coverage of net charge-offs (x) | 68.1129% | 1,017 |
| Efficiency ratio | 64.0749% | 2,718 |
| Assets per employee ($millions) | 6.1065% | 2,171 |
| Cash dividends to net income (ytd only)* | 13.0576% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6939% | 905 |
| Loan loss allowance to noncurrent loans | 176.4086% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 1,623 |
| Noncurrent loans to loans | 0.9602% | 1,568 |
| Net loans and leases to total assets | 69.8840% | 1,966 |
| Net loans and leases to deposits | 78.4954% | 2,481 |
| Net loans and leases to core deposits | 88.0174% | 2,144 |
| Total domestic deposits to total assets | 89.0294% | 753 |
| Equity capital to assets | 8.6889% | 4,340 |
| Core capital (leverage) ratio | 8.8219% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $384,354,500 | 1,893 |
| Average earning assets | $353,286,000 | 1,909 |
| Average equity | $33,385,250 | 2,310 |
| Average total loans | $275,215,000 | 1,787 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 2,730 |
| Cost of funding earning assets | 0.3940% | 4,059 |
| Net interest margin | 3.8166% | 1,788 |
| Noninterest income to average assets | 0.5168% | 2,504 |
| Noninterest expense to average assets | 2.6758% | 2,455 |
| Loan and lease loss provision to assets | 0.1983% | 2,061 |
| Net operating income to assets | 0.9516% | 2,485 |
| Return on assets (ROA) | 0.9521% | 2,613 |
| Pretax return on assets | 1.1631% | 2,481 |
| Return on Equity (ROE) | 10.9620% | 1,642 |
| Retained earnings to average equity (ytd only) | 9.4882% | 880 |
| Net charge-offs to loans | 0.0037% | 2,849 |
| Credit loss provision to net charge-offs | 7,500.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 514.6000% | 200 |
| Efficiency ratio | 66.2867% | 2,474 |
| Assets per employee ($millions) | 5.6335% | 2,510 |
| Cash dividends to net income (ytd only)* | 13.4444% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 1,131 |
| Loan loss allowance to noncurrent loans | 140.7384% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7973% | 1,557 |
| Noncurrent loans to loans | 1.0994% | 1,426 |
| Net loans and leases to total assets | 70.9477% | 1,882 |
| Net loans and leases to deposits | 80.7579% | 2,344 |
| Net loans and leases to core deposits | 94.5851% | 1,698 |
| Total domestic deposits to total assets | 87.8524% | 1,258 |
| Equity capital to assets | 8.5649% | 4,440 |
| Core capital (leverage) ratio | 8.7756% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,129,000 | 1,902 |
| Average earning assets | $348,735,333 | 1,903 |
| Average equity | $32,840,667 | 2,323 |
| Average total loans | $271,451,000 | 1,788 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3358% | 2,806 |
| Cost of funding earning assets | 0.4999% | 3,948 |
| Net interest margin | 3.8359% | 1,861 |
| Noninterest income to average assets | 0.5555% | 2,247 |
| Noninterest expense to average assets | 2.7538% | 2,564 |
| Loan and lease loss provision to assets | 0.0817% | 2,677 |
| Net operating income to assets | 1.0196% | 2,115 |
| Return on assets (ROA) | 1.0196% | 2,217 |
| Pretax return on assets | 1.2560% | 2,015 |
| Return on Equity (ROE) | 11.6519% | 1,211 |
| Retained earnings to average equity (ytd only) | 10.1456% | 720 |
| Net charge-offs to loans | -0.0137% | 4,189 |
| Credit loss provision to net charge-offs | -833.3333% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3056% | 2,769 |
| Assets per employee ($millions) | 5.3924% | 2,234 |
| Cash dividends to net income (ytd only)* | 12.9274% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5608% | 1,163 |
| Loan loss allowance to noncurrent loans | 130.8054% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 1,543 |
| Noncurrent loans to loans | 1.1932% | 1,370 |
| Net loans and leases to total assets | 70.7523% | 2,125 |
| Net loans and leases to deposits | 81.7342% | 2,489 |
| Net loans and leases to core deposits | 98.0721% | 1,620 |
| Total domestic deposits to total assets | 86.5640% | 1,745 |
| Equity capital to assets | 8.8697% | 4,662 |
| Core capital (leverage) ratio | 9.2434% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5369% | 2,064 |
| Memoranda: | ||
| Average total assets | $367,204,000 | 1,897 |
| Average earning assets | $338,482,500 | 1,899 |
| Average equity | $32,132,000 | 2,346 |
| Average total loans | $263,058,500 | 1,796 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 2,959 |
| Cost of funding earning assets | 0.6011% | 3,632 |
| Net interest margin | 3.8961% | 2,187 |
| Noninterest income to average assets | 0.6040% | 2,199 |
| Noninterest expense to average assets | 2.9372% | 2,179 |
| Loan and lease loss provision to assets | 0.0578% | 2,878 |
| Net operating income to assets | 0.9456% | 3,037 |
| Return on assets (ROA) | 0.9418% | 3,135 |
| Pretax return on assets | 1.1668% | 2,960 |
| Return on Equity (ROE) | 11.9213% | 1,544 |
| Retained earnings to average equity (ytd only) | 10.2989% | 442 |
| Net charge-offs to loans | 0.0250% | 2,898 |
| Credit loss provision to net charge-offs | 323.0769% | 861 |
| Earnings coverage of net charge-offs (x) | 68.7538% | 896 |
| Efficiency ratio | 70.4958% | 2,101 |
| Assets per employee ($millions) | 5.1762% | 2,363 |
| Cash dividends to net income (ytd only)* | 13.6098% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 1,018 |
| Loan loss allowance to noncurrent loans | 1,298.4127% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 4,166 |
| Noncurrent loans to loans | 0.1218% | 4,040 |
| Net loans and leases to total assets | 70.2672% | 2,354 |
| Net loans and leases to deposits | 79.2244% | 2,879 |
| Net loans and leases to core deposits | 102.9968% | 1,315 |
| Total domestic deposits to total assets | 88.6939% | 800 |
| Equity capital to assets | 8.6280% | 4,859 |
| Core capital (leverage) ratio | 9.0110% | 4,526 |
| Tier 1 risk-based capital ratio | 13.5887% | 3,466 |
| Total risk-based capital ratio | 14.8441% | 3,376 |
| Memoranda: | ||
| Average total assets | $363,547,200 | 1,866 |
| Average earning assets | $332,412,400 | 1,870 |
| Average equity | $28,721,600 | 2,460 |
| Average total loans | $260,061,600 | 1,776 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5309% | 2,960 |
| Cost of funding earning assets | 0.6235% | 3,563 |
| Net interest margin | 3.9074% | 2,226 |
| Noninterest income to average assets | 0.6006% | 2,199 |
| Noninterest expense to average assets | 2.8568% | 2,388 |
| Loan and lease loss provision to assets | 0.0641% | 2,607 |
| Net operating income to assets | 0.9952% | 2,997 |
| Return on assets (ROA) | 0.9857% | 3,112 |
| Pretax return on assets | 1.2115% | 2,948 |
| Return on Equity (ROE) | 12.7698% | 1,363 |
| Retained earnings to average equity (ytd only) | 11.0513% | 516 |
| Net charge-offs to loans | 0.0143% | 2,873 |
| Credit loss provision to net charge-offs | 625.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 125.4723% | 627 |
| Efficiency ratio | 68.9362% | 2,268 |
| Assets per employee ($millions) | 5.5072% | 2,027 |
| Cash dividends to net income (ytd only)* | 13.4571% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5880% | 1,014 |
| Loan loss allowance to noncurrent loans | 572.1678% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 3,818 |
| Noncurrent loans to loans | 0.2775% | 3,544 |
| Net loans and leases to total assets | 66.7167% | 2,958 |
| Net loans and leases to deposits | 74.1670% | 3,460 |
| Net loans and leases to core deposits | 91.5377% | 2,412 |
| Total domestic deposits to total assets | 89.9547% | 298 |
| Equity capital to assets | 7.9069% | 5,151 |
| Core capital (leverage) ratio | 9.0428% | 4,603 |
| Tier 1 risk-based capital ratio | 13.2991% | 3,686 |
| Total risk-based capital ratio | 14.5544% | 3,583 |
| Memoranda: | ||
| Average total assets | $363,850,500 | 1,886 |
| Average earning assets | $329,965,750 | 1,899 |
| Average equity | $28,086,500 | 2,509 |
| Average total loans | $260,404,000 | 1,786 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5643% | 2,787 |
| Cost of funding earning assets | 0.6452% | 3,436 |
| Net interest margin | 3.9191% | 2,190 |
| Noninterest income to average assets | 0.5696% | 2,288 |
| Noninterest expense to average assets | 2.9314% | 2,191 |
| Loan and lease loss provision to assets | 0.0976% | 1,913 |
| Net operating income to assets | 0.9115% | 3,237 |
| Return on assets (ROA) | 0.9184% | 3,274 |
| Pretax return on assets | 1.1242% | 3,161 |
| Return on Equity (ROE) | 12.0000% | 1,576 |
| Retained earnings to average equity (ytd only) | 10.2357% | 695 |
| Net charge-offs to loans | 0.0283% | 2,289 |
| Credit loss provision to net charge-offs | 472.9730% | 628 |
| Earnings coverage of net charge-offs (x) | 58.7838% | 992 |
| Efficiency ratio | 70.7228% | 2,114 |
| Assets per employee ($millions) | 5.0021% | 2,476 |
| Cash dividends to net income (ytd only)* | 14.7023% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 1,081 |
| Loan loss allowance to noncurrent loans | 539.2338% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 3,721 |
| Noncurrent loans to loans | 0.2924% | 3,485 |
| Net loans and leases to total assets | 71.7447% | 2,246 |
| Net loans and leases to deposits | 82.1101% | 2,719 |
| Net loans and leases to core deposits | 98.0592% | 1,884 |
| Total domestic deposits to total assets | 87.3762% | 1,395 |
| Equity capital to assets | 8.1389% | 5,150 |
| Core capital (leverage) ratio | 8.7913% | 4,786 |
| Tier 1 risk-based capital ratio | 12.7564% | 3,973 |
| Total risk-based capital ratio | 14.0113% | 3,875 |
| Memoranda: | ||
| Average total assets | $358,468,000 | 1,906 |
| Average earning assets | $327,014,670 | 1,920 |
| Average equity | $27,433,330 | 2,534 |
| Average total loans | $261,334,330 | 1,785 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5514% | 2,692 |
| Cost of funding earning assets | 0.6619% | 3,251 |
| Net interest margin | 3.8895% | 2,223 |
| Noninterest income to average assets | 0.5542% | 2,264 |
| Noninterest expense to average assets | 2.9645% | 2,092 |
| Loan and lease loss provision to assets | 0.1166% | 1,509 |
| Net operating income to assets | 0.8339% | 3,501 |
| Return on assets (ROA) | 0.8430% | 3,517 |
| Pretax return on assets | 1.0285% | 3,354 |
| Return on Equity (ROE) | 11.3719% | 1,794 |
| Retained earnings to average equity (ytd only) | 9.5440% | 1,150 |
| Net charge-offs to loans | 0.0564% | 1,482 |
| Credit loss provision to net charge-offs | 283.7838% | 859 |
| Earnings coverage of net charge-offs (x) | 27.5946% | 1,379 |
| Efficiency ratio | 72.3306% | 1,982 |
| Assets per employee ($millions) | 5.1123% | 2,385 |
| Cash dividends to net income (ytd only)* | 16.0738% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 1,229 |
| Loan loss allowance to noncurrent loans | 682.3129% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 3,999 |
| Noncurrent loans to loans | 0.2247% | 3,782 |
| Net loans and leases to total assets | 70.9880% | 2,327 |
| Net loans and leases to deposits | 78.7036% | 2,981 |
| Net loans and leases to core deposits | 98.8104% | 1,723 |
| Total domestic deposits to total assets | 90.1967% | 389 |
| Equity capital to assets | 7.5585% | 5,254 |
| Core capital (leverage) ratio | 8.5650% | 4,971 |
| Tier 1 risk-based capital ratio | 12.3243% | 4,287 |
| Total risk-based capital ratio | 13.5786% | 4,150 |
| Memoranda: | ||
| Average total assets | $360,128,500 | 1,917 |
| Average earning assets | $328,163,500 | 1,928 |
| Average equity | $26,697,500 | 2,593 |
| Average total loans | $262,561,000 | 1,793 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 2,574 |
| Cost of funding earning assets | 0.3870% | 4,069 |
| Net interest margin | 4.0743% | 1,758 |
| Noninterest income to average assets | 0.6357% | 2,122 |
| Noninterest expense to average assets | 3.0066% | 2,031 |
| Loan and lease loss provision to assets | 0.3176% | 505 |
| Net operating income to assets | 0.8459% | 3,622 |
| Return on assets (ROA) | 0.8512% | 3,598 |
| Pretax return on assets | 1.0373% | 3,484 |
| Return on Equity (ROE) | 11.3807% | 1,942 |
| Retained earnings to average equity (ytd only) | 9.6822% | 684 |
| Net charge-offs to loans | 0.2636% | 731 |
| Credit loss provision to net charge-offs | 166.6667% | 1,664 |
| Earnings coverage of net charge-offs (x) | 7.0768% | 3,015 |
| Efficiency ratio | 69.0369% | 2,380 |
| Assets per employee ($millions) | 4.8282% | 2,701 |
| Cash dividends to net income (ytd only)* | 14.9243% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4971% | 1,302 |
| Loan loss allowance to noncurrent loans | 656.2396% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 3,972 |
| Noncurrent loans to loans | 0.2281% | 3,764 |
| Net loans and leases to total assets | 72.6309% | 2,151 |
| Net loans and leases to deposits | 80.3005% | 2,919 |
| Net loans and leases to core deposits | 105.0884% | 1,338 |
| Total domestic deposits to total assets | 90.4488% | 338 |
| Equity capital to assets | 7.2659% | 5,309 |
| Core capital (leverage) ratio | 8.5317% | 5,012 |
| Tier 1 risk-based capital ratio | 12.0224% | 4,419 |
| Total risk-based capital ratio | 13.2761% | 4,300 |
| Memoranda: | ||
| Average total assets | $341,649,600 | 1,946 |
| Average earning assets | $311,884,200 | 1,961 |
| Average equity | $25,552,000 | 2,602 |
| Average total loans | $246,939,000 | 1,838 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 2,537 |
| Cost of funding earning assets | 0.3360% | 4,269 |
| Net interest margin | 4.0916% | 1,651 |
| Noninterest income to average assets | 0.6308% | 2,162 |
| Noninterest expense to average assets | 2.9497% | 2,165 |
| Loan and lease loss provision to assets | 0.3079% | 468 |
| Net operating income to assets | 0.9075% | 3,493 |
| Return on assets (ROA) | 0.9127% | 3,474 |
| Pretax return on assets | 1.1097% | 3,358 |
| Return on Equity (ROE) | 12.1123% | 1,752 |
| Retained earnings to average equity (ytd only) | 10.4044% | 794 |
| Net charge-offs to loans | 0.2850% | 586 |
| Credit loss provision to net charge-offs | 150.2890% | 1,704 |
| Earnings coverage of net charge-offs (x) | 6.8883% | 2,844 |
| Efficiency ratio | 67.6383% | 2,606 |
| Assets per employee ($millions) | 4.7259% | 2,813 |
| Cash dividends to net income (ytd only)* | 14.1005% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 1,307 |
| Loan loss allowance to noncurrent loans | 587.3832% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 3,870 |
| Noncurrent loans to loans | 0.2575% | 3,767 |
| Net loans and leases to total assets | 71.1724% | 2,468 |
| Net loans and leases to deposits | 78.8618% | 3,161 |
| Net loans and leases to core deposits | 91.0519% | 2,554 |
| Total domestic deposits to total assets | 90.2495% | 428 |
| Equity capital to assets | 7.4652% | 5,313 |
| Core capital (leverage) ratio | 8.4423% | 5,122 |
| Tier 1 risk-based capital ratio | 12.2415% | 4,353 |
| Total risk-based capital ratio | 13.4956% | 4,241 |
| Memoranda: | ||
| Average total assets | $337,740,500 | 1,969 |
| Average earning assets | $307,904,250 | 1,992 |
| Average equity | $25,450,000 | 2,619 |
| Average total loans | $242,812,750 | 1,871 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 2,491 |
| Cost of funding earning assets | 0.2890% | 4,505 |
| Net interest margin | 4.0901% | 1,590 |
| Noninterest income to average assets | 0.6298% | 2,181 |
| Noninterest expense to average assets | 2.9661% | 2,148 |
| Loan and lease loss provision to assets | 0.3221% | 426 |
| Net operating income to assets | 0.8246% | 3,775 |
| Return on assets (ROA) | 0.8237% | 3,780 |
| Pretax return on assets | 1.0712% | 3,428 |
| Return on Equity (ROE) | 10.8960% | 2,154 |
| Retained earnings to average equity (ytd only) | 9.1839% | 1,158 |
| Net charge-offs to loans | 0.4239% | 366 |
| Credit loss provision to net charge-offs | 105.8824% | 1,939 |
| Earnings coverage of net charge-offs (x) | 4.5843% | 2,779 |
| Efficiency ratio | 68.0208% | 2,642 |
| Assets per employee ($millions) | 4.6486% | 2,889 |
| Cash dividends to net income (ytd only)* | 15.7133% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 1,595 |
| Loan loss allowance to noncurrent loans | 1,519.3133% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 4,512 |
| Noncurrent loans to loans | 0.0948% | 4,491 |
| Net loans and leases to total assets | 71.3844% | 2,382 |
| Net loans and leases to deposits | 79.6666% | 2,985 |
| Net loans and leases to core deposits | 90.7199% | 2,510 |
| Total domestic deposits to total assets | 89.6039% | 706 |
| Equity capital to assets | 7.4931% | 5,376 |
| Core capital (leverage) ratio | 8.3882% | 5,176 |
| Tier 1 risk-based capital ratio | 11.9790% | 4,511 |
| Total risk-based capital ratio | 13.2320% | 4,388 |
| Memoranda: | ||
| Average total assets | $335,324,330 | 1,985 |
| Average earning assets | $305,861,330 | 2,015 |
| Average equity | $25,348,670 | 2,642 |
| Average total loans | $240,647,670 | 1,882 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 2,412 |
| Cost of funding earning assets | 0.2792% | 4,513 |
| Net interest margin | 4.0520% | 1,558 |
| Noninterest income to average assets | 0.6144% | 2,193 |
| Noninterest expense to average assets | 2.9366% | 2,234 |
| Loan and lease loss provision to assets | 0.3240% | 386 |
| Net operating income to assets | 0.8054% | 3,681 |
| Return on assets (ROA) | 0.8149% | 3,659 |
| Pretax return on assets | 1.0585% | 3,323 |
| Return on Equity (ROE) | 10.7314% | 2,076 |
| Retained earnings to average equity (ytd only) | 9.0245% | 1,450 |
| Net charge-offs to loans | 0.6821% | 220 |
| Credit loss provision to net charge-offs | 66.5025% | 1,858 |
| Earnings coverage of net charge-offs (x) | 2.8128% | 2,433 |
| Efficiency ratio | 68.1806% | 2,800 |
| Assets per employee ($millions) | 4.5971% | 3,001 |
| Cash dividends to net income (ytd only)* | 15.9057% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 1,853 |
| Loan loss allowance to noncurrent loans | 1,273.2075% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 4,550 |
| Noncurrent loans to loans | 0.1097% | 4,482 |
| Net loans and leases to total assets | 70.9599% | 2,334 |
| Net loans and leases to deposits | 78.6420% | 2,948 |
| Net loans and leases to core deposits | 86.8352% | 2,729 |
| Total domestic deposits to total assets | 90.2316% | 570 |
| Equity capital to assets | 7.5133% | 5,412 |
| Core capital (leverage) ratio | 8.2964% | 5,265 |
| Tier 1 risk-based capital ratio | 11.8714% | 4,629 |
| Total risk-based capital ratio | 13.1238% | 4,512 |
| Memoranda: | ||
| Average total assets | $333,311,500 | 2,003 |
| Average earning assets | $303,749,500 | 2,035 |
| Average equity | $25,309,000 | 2,668 |
| Average total loans | $238,080,000 | 1,911 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1739% | 2,794 |
| Cost of funding earning assets | 0.2497% | 4,569 |
| Net interest margin | 3.9242% | 2,015 |
| Noninterest income to average assets | 0.6316% | 2,295 |
| Noninterest expense to average assets | 2.9958% | 2,179 |
| Loan and lease loss provision to assets | 0.2033% | 1,013 |
| Net operating income to assets | 0.6707% | 3,728 |
| Return on assets (ROA) | 0.6458% | 3,870 |
| Pretax return on assets | 0.9481% | 3,748 |
| Return on Equity (ROE) | 8.7612% | 2,427 |
| Retained earnings to average equity (ytd only) | 7.1508% | 1,019 |
| Net charge-offs to loans | 0.1534% | 1,575 |
| Credit loss provision to net charge-offs | 204.0123% | 1,341 |
| Earnings coverage of net charge-offs (x) | 11.9228% | 2,522 |
| Efficiency ratio | 71.6060% | 2,292 |
| Assets per employee ($millions) | 4.4734% | 3,235 |
| Cash dividends to net income (ytd only)* | 18.3810% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 1,424 |
| Loan loss allowance to noncurrent loans | 351.3514% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 3,540 |
| Noncurrent loans to loans | 0.4257% | 3,256 |
| Net loans and leases to total assets | 69.8244% | 2,545 |
| Net loans and leases to deposits | 77.8080% | 3,134 |
| Net loans and leases to core deposits | 90.9703% | 2,469 |
| Total domestic deposits to total assets | 89.7394% | 660 |
| Equity capital to assets | 7.6742% | 5,494 |
| Core capital (leverage) ratio | 8.1913% | 5,358 |
| Tier 1 risk-based capital ratio | 11.9362% | 4,575 |
| Total risk-based capital ratio | 13.1899% | 4,456 |
| Memoranda: | ||
| Average total assets | $325,185,200 | 2,037 |
| Average earning assets | $294,352,000 | 2,074 |
| Average equity | $23,969,400 | 2,763 |
| Average total loans | $211,244,400 | 2,066 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1202% | 2,914 |
| Cost of funding earning assets | 0.2484% | 4,577 |
| Net interest margin | 3.8717% | 2,134 |
| Noninterest income to average assets | 0.6244% | 2,340 |
| Noninterest expense to average assets | 2.9502% | 2,248 |
| Loan and lease loss provision to assets | 0.1849% | 1,066 |
| Net operating income to assets | 0.7026% | 3,967 |
| Return on assets (ROA) | 0.6693% | 4,184 |
| Pretax return on assets | 0.9407% | 3,894 |
| Return on Equity (ROE) | 9.1764% | 2,512 |
| Retained earnings to average equity (ytd only) | 7.5444% | 1,412 |
| Net charge-offs to loans | 0.1259% | 1,524 |
| Credit loss provision to net charge-offs | 231.4433% | 1,207 |
| Earnings coverage of net charge-offs (x) | 14.6753% | 2,279 |
| Efficiency ratio | 71.5584% | 2,267 |
| Assets per employee ($millions) | 4.6940% | 2,844 |
| Cash dividends to net income (ytd only)* | 17.7845% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 1,384 |
| Loan loss allowance to noncurrent loans | 1,127.6316% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 4,774 |
| Noncurrent loans to loans | 0.1368% | 4,508 |
| Net loans and leases to total assets | 65.6304% | 3,157 |
| Net loans and leases to deposits | 72.6212% | 3,709 |
| Net loans and leases to core deposits | 81.3465% | 3,345 |
| Total domestic deposits to total assets | 90.3736% | 358 |
| Equity capital to assets | 7.4213% | 5,625 |
| Core capital (leverage) ratio | 8.0522% | 5,497 |
| Tier 1 risk-based capital ratio | 11.9590% | 4,659 |
| Total risk-based capital ratio | 13.2127% | 4,529 |
| Memoranda: | ||
| Average total assets | $323,723,500 | 2,061 |
| Average earning assets | $292,505,500 | 2,095 |
| Average equity | $23,610,750 | 2,817 |
| Average total loans | $205,392,750 | 2,125 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0764% | 2,903 |
| Cost of funding earning assets | 0.2314% | 4,704 |
| Net interest margin | 3.8450% | 2,110 |
| Noninterest income to average assets | 0.6146% | 2,386 |
| Noninterest expense to average assets | 2.9101% | 2,394 |
| Loan and lease loss provision to assets | 0.2209% | 798 |
| Net operating income to assets | 0.6872% | 3,903 |
| Return on assets (ROA) | 0.6926% | 3,945 |
| Pretax return on assets | 0.9646% | 3,707 |
| Return on Equity (ROE) | 9.5539% | 2,242 |
| Retained earnings to average equity (ytd only) | 7.8927% | 1,212 |
| Net charge-offs to loans | 0.1832% | 1,085 |
| Credit loss provision to net charge-offs | 193.4426% | 1,307 |
| Earnings coverage of net charge-offs (x) | 10.3169% | 2,350 |
| Efficiency ratio | 71.1844% | 2,483 |
| Assets per employee ($millions) | 4.5163% | 3,076 |
| Cash dividends to net income (ytd only)* | 17.3874% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5947% | 1,266 |
| Loan loss allowance to noncurrent loans | 1,878.6517% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 4,990 |
| Noncurrent loans to loans | 0.0849% | 4,791 |
| Net loans and leases to total assets | 63.4590% | 3,456 |
| Net loans and leases to deposits | 70.8390% | 3,840 |
| Net loans and leases to core deposits | 81.5915% | 3,287 |
| Total domestic deposits to total assets | 89.5820% | 694 |
| Equity capital to assets | 7.4153% | 5,665 |
| Core capital (leverage) ratio | 8.1608% | 5,452 |
| Tier 1 risk-based capital ratio | 12.3725% | 4,371 |
| Total risk-based capital ratio | 13.6266% | 4,258 |
| Memoranda: | ||
| Average total assets | $320,541,000 | 2,082 |
| Average earning assets | $289,567,330 | 2,114 |
| Average equity | $23,236,670 | 2,856 |
| Average total loans | $199,805,330 | 2,167 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0293% | 2,932 |
| Cost of funding earning assets | 0.2231% | 4,774 |
| Net interest margin | 3.8063% | 2,092 |
| Noninterest income to average assets | 0.5832% | 2,494 |
| Noninterest expense to average assets | 2.9275% | 2,368 |
| Loan and lease loss provision to assets | 0.0867% | 2,089 |
| Net operating income to assets | 0.7208% | 3,612 |
| Return on assets (ROA) | 0.7479% | 3,537 |
| Pretax return on assets | 1.0383% | 3,205 |
| Return on Equity (ROE) | 10.4393% | 1,760 |
| Retained earnings to average equity (ytd only) | 8.7374% | 1,174 |
| Net charge-offs to loans | 0.0431% | 1,973 |
| Credit loss provision to net charge-offs | 328.5714% | 742 |
| Earnings coverage of net charge-offs (x) | 41.1905% | 1,021 |
| Efficiency ratio | 72.9180% | 2,419 |
| Assets per employee ($millions) | 4.6534% | 2,917 |
| Cash dividends to net income (ytd only)* | 16.3025% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 1,347 |
| Loan loss allowance to noncurrent loans | 985.0153% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 4,864 |
| Noncurrent loans to loans | 0.1637% | 4,530 |
| Net loans and leases to total assets | 59.4697% | 3,838 |
| Net loans and leases to deposits | 65.5067% | 4,211 |
| Net loans and leases to core deposits | 74.7890% | 3,758 |
| Total domestic deposits to total assets | 90.7842% | 365 |
| Equity capital to assets | 7.0383% | 5,751 |
| Core capital (leverage) ratio | 8.2572% | 5,406 |
| Tier 1 risk-based capital ratio | 12.4520% | 4,413 |
| Total risk-based capital ratio | 13.7056% | 4,317 |
| Memoranda: | ||
| Average total assets | $318,223,000 | 2,104 |
| Average earning assets | $286,896,000 | 2,149 |
| Average equity | $22,798,500 | 2,915 |
| Average total loans | $194,859,000 | 2,226 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 3,164 |
| Cost of funding earning assets | 0.2070% | 4,948 |
| Net interest margin | 3.8024% | 2,311 |
| Noninterest income to average assets | 0.6843% | 2,246 |
| Noninterest expense to average assets | 3.2831% | 1,613 |
| Loan and lease loss provision to assets | 0.0610% | 3,152 |
| Net operating income to assets | 0.6118% | 4,158 |
| Return on assets (ROA) | 0.6467% | 4,123 |
| Pretax return on assets | 0.8320% | 4,084 |
| Return on Equity (ROE) | 8.4962% | 2,675 |
| Retained earnings to average equity (ytd only) | 6.2442% | 1,584 |
| Net charge-offs to loans | 0.0045% | 4,092 |
| Credit loss provision to net charge-offs | 2,250.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 313.0000% | 248 |
| Efficiency ratio | 79.4670% | 1,485 |
| Assets per employee ($millions) | 4.2508% | 3,523 |
| Cash dividends to net income (ytd only)* | 26.5060% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 1,204 |
| Loan loss allowance to noncurrent loans | 848.3957% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 4,819 |
| Noncurrent loans to loans | 0.1968% | 4,451 |
| Net loans and leases to total assets | 61.0483% | 3,720 |
| Net loans and leases to deposits | 68.0549% | 4,080 |
| Net loans and leases to core deposits | 79.1093% | 3,467 |
| Total domestic deposits to total assets | 89.7045% | 772 |
| Equity capital to assets | 7.3003% | 5,756 |
| Core capital (leverage) ratio | 8.3366% | 5,410 |
| Tier 1 risk-based capital ratio | 12.8318% | 4,181 |
| Total risk-based capital ratio | 14.0863% | 4,075 |
| Memoranda: | ||
| Average total assets | $295,180,200 | 2,191 |
| Average earning assets | $267,594,600 | 2,236 |
| Average equity | $22,469,000 | 2,944 |
| Average total loans | $178,046,400 | 2,332 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0237% | 3,131 |
| Cost of funding earning assets | 0.2045% | 5,023 |
| Net interest margin | 3.8192% | 2,266 |
| Noninterest income to average assets | 0.5922% | 2,704 |
| Noninterest expense to average assets | 3.2122% | 1,747 |
| Loan and lease loss provision to assets | 0.0615% | 3,001 |
| Net operating income to assets | 0.5749% | 4,391 |
| Return on assets (ROA) | 0.6050% | 4,387 |
| Pretax return on assets | 0.8160% | 4,260 |
| Return on Equity (ROE) | 7.8633% | 3,079 |
| Retained earnings to average equity (ytd only) | 5.4161% | 2,540 |
| Net charge-offs to loans | 0.0145% | 3,448 |
| Credit loss provision to net charge-offs | 710.5263% | 555 |
| Earnings coverage of net charge-offs (x) | 96.6419% | 681 |
| Efficiency ratio | 79.3290% | 1,519 |
| Assets per employee ($millions) | 4.2019% | 3,588 |
| Cash dividends to net income (ytd only)* | 31.1227% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 1,162 |
| Loan loss allowance to noncurrent loans | 285.9633% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 3,984 |
| Noncurrent loans to loans | 0.6029% | 3,207 |
| Net loans and leases to total assets | 57.9255% | 4,103 |
| Net loans and leases to deposits | 64.3048% | 4,462 |
| Net loans and leases to core deposits | 71.3463% | 4,222 |
| Total domestic deposits to total assets | 90.0795% | 456 |
| Equity capital to assets | 7.5970% | 5,832 |
| Core capital (leverage) ratio | 8.2482% | 5,541 |
| Tier 1 risk-based capital ratio | 12.8905% | 4,227 |
| Total risk-based capital ratio | 14.1451% | 4,141 |
| Memoranda: | ||
| Average total assets | $292,461,250 | 2,218 |
| Average earning assets | $264,723,000 | 2,261 |
| Average equity | $22,500,500 | 2,967 |
| Average total loans | $175,054,250 | 2,364 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0351% | 3,119 |
| Cost of funding earning assets | 0.1907% | 5,234 |
| Net interest margin | 3.8445% | 2,157 |
| Noninterest income to average assets | 0.5561% | 2,874 |
| Noninterest expense to average assets | 3.2680% | 1,652 |
| Loan and lease loss provision to assets | 0.0626% | 2,885 |
| Net operating income to assets | 0.5464% | 4,497 |
| Return on assets (ROA) | 0.5881% | 4,446 |
| Pretax return on assets | 0.7855% | 4,336 |
| Return on Equity (ROE) | 7.6103% | 3,197 |
| Retained earnings to average equity (ytd only) | 5.3344% | 2,528 |
| Net charge-offs to loans | 0.0254% | 2,967 |
| Credit loss provision to net charge-offs | 409.0909% | 765 |
| Earnings coverage of net charge-offs (x) | 51.8182% | 974 |
| Efficiency ratio | 80.4828% | 1,447 |
| Assets per employee ($millions) | 3.9153% | 4,068 |
| Cash dividends to net income (ytd only)* | 29.9054% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 1,196 |
| Loan loss allowance to noncurrent loans | 2,475.0000% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 5,016 |
| Noncurrent loans to loans | 0.0702% | 5,167 |
| Net loans and leases to total assets | 59.1028% | 3,998 |
| Net loans and leases to deposits | 66.7608% | 4,288 |
| Net loans and leases to core deposits | 74.9440% | 3,912 |
| Total domestic deposits to total assets | 88.5292% | 1,153 |
| Equity capital to assets | 7.7844% | 5,863 |
| Core capital (leverage) ratio | 8.3929% | 5,454 |
| Tier 1 risk-based capital ratio | 12.9899% | 4,204 |
| Total risk-based capital ratio | 14.2444% | 4,117 |
| Memoranda: | ||
| Average total assets | $287,702,000 | 2,253 |
| Average earning assets | $262,247,000 | 2,284 |
| Average equity | $22,233,000 | 3,000 |
| Average total loans | $173,140,000 | 2,385 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 3,043 |
| Cost of funding earning assets | 0.1746% | 5,423 |
| Net interest margin | 3.8736% | 2,016 |
| Noninterest income to average assets | 0.5381% | 2,882 |
| Noninterest expense to average assets | 3.2283% | 1,767 |
| Loan and lease loss provision to assets | 0.0632% | 2,688 |
| Net operating income to assets | 0.5763% | 4,286 |
| Return on assets (ROA) | 0.5900% | 4,343 |
| Pretax return on assets | 0.7867% | 4,241 |
| Return on Equity (ROE) | 7.6642% | 3,105 |
| Retained earnings to average equity (ytd only) | 5.9672% | 2,385 |
| Net charge-offs to loans | 0.0723% | 1,756 |
| Credit loss provision to net charge-offs | 145.1613% | 1,298 |
| Earnings coverage of net charge-offs (x) | 19.0968% | 1,525 |
| Efficiency ratio | 79.5156% | 1,662 |
| Assets per employee ($millions) | 3.8004% | 4,298 |
| Cash dividends to net income (ytd only)* | 22.1429% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 1,227 |
| Loan loss allowance to noncurrent loans | 2,337.2093% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 5,060 |
| Noncurrent loans to loans | 0.0752% | 5,175 |
| Net loans and leases to total assets | 58.3158% | 4,007 |
| Net loans and leases to deposits | 64.8475% | 4,356 |
| Net loans and leases to core deposits | 69.9467% | 4,246 |
| Total domestic deposits to total assets | 89.9276% | 632 |
| Equity capital to assets | 7.6741% | 5,913 |
| Core capital (leverage) ratio | 8.4850% | 5,399 |
| Tier 1 risk-based capital ratio | 13.1071% | 4,193 |
| Total risk-based capital ratio | 14.3618% | 4,112 |
| Memoranda: | ||
| Average total assets | $284,727,500 | 2,281 |
| Average earning assets | $258,883,500 | 2,318 |
| Average equity | $21,920,000 | 3,031 |
| Average total loans | $171,397,500 | 2,393 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 2,834 |
| Cost of funding earning assets | 0.1609% | 5,607 |
| Net interest margin | 3.9623% | 1,837 |
| Noninterest income to average assets | 0.6527% | 2,448 |
| Noninterest expense to average assets | 3.4440% | 1,400 |
| Loan and lease loss provision to assets | 0.0920% | 2,463 |
| Net operating income to assets | 0.5336% | 4,567 |
| Return on assets (ROA) | 0.5680% | 4,517 |
| Pretax return on assets | 0.7384% | 4,404 |
| Return on Equity (ROE) | 7.2329% | 3,391 |
| Retained earnings to average equity (ytd only) | 5.4729% | 2,094 |
| Net charge-offs to loans | 0.0482% | 3,242 |
| Credit loss provision to net charge-offs | 319.2308% | 933 |
| Earnings coverage of net charge-offs (x) | 27.2564% | 1,551 |
| Efficiency ratio | 81.4242% | 1,483 |
| Assets per employee ($millions) | 3.7417% | 4,392 |
| Cash dividends to net income (ytd only)* | 24.3331% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 1,236 |
| Loan loss allowance to noncurrent loans | 2,206.6176% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 5,058 |
| Noncurrent loans to loans | 0.0794% | 5,187 |
| Net loans and leases to total assets | 59.9895% | 3,841 |
| Net loans and leases to deposits | 67.3826% | 4,184 |
| Net loans and leases to core deposits | 77.1359% | 3,655 |
| Total domestic deposits to total assets | 89.0281% | 1,105 |
| Equity capital to assets | 7.7238% | 5,936 |
| Core capital (leverage) ratio | 8.5980% | 5,335 |
| Tier 1 risk-based capital ratio | 13.1675% | 4,195 |
| Total risk-based capital ratio | 14.4228% | 4,115 |
| Memoranda: | ||
| Average total assets | $270,588,200 | 2,341 |
| Average earning assets | $244,276,200 | 2,388 |
| Average equity | $21,250,000 | 3,045 |
| Average total loans | $161,712,400 | 2,450 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1165% | 2,873 |
| Cost of funding earning assets | 0.1603% | 5,703 |
| Net interest margin | 3.9562% | 1,854 |
| Noninterest income to average assets | 0.6674% | 2,399 |
| Noninterest expense to average assets | 3.4740% | 1,335 |
| Loan and lease loss provision to assets | 0.0398% | 3,416 |
| Net operating income to assets | 0.5368% | 4,647 |
| Return on assets (ROA) | 0.5819% | 4,566 |
| Pretax return on assets | 0.7729% | 4,413 |
| Return on Equity (ROE) | 7.3779% | 3,416 |
| Retained earnings to average equity (ytd only) | 5.6122% | 2,516 |
| Net charge-offs to loans | -0.0310% | 5,367 |
| Credit loss provision to net charge-offs | -216.2162% | 5,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1958% | 1,369 |
| Assets per employee ($millions) | 3.5417% | 4,716 |
| Cash dividends to net income (ytd only)* | 23.9314% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 1,367 |
| Loan loss allowance to noncurrent loans | 266.4557% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 4,187 |
| Noncurrent loans to loans | 0.6555% | 3,363 |
| Net loans and leases to total assets | 59.2532% | 3,973 |
| Net loans and leases to deposits | 66.1601% | 4,374 |
| Net loans and leases to core deposits | 72.6605% | 4,130 |
| Total domestic deposits to total assets | 89.5603% | 749 |
| Equity capital to assets | 7.7310% | 6,032 |
| Core capital (leverage) ratio | 8.6369% | 5,423 |
| Tier 1 risk-based capital ratio | 13.2092% | 4,313 |
| Total risk-based capital ratio | 14.4642% | 4,235 |
| Memoranda: | ||
| Average total assets | $268,078,750 | 2,373 |
| Average earning assets | $241,170,000 | 2,429 |
| Average equity | $21,143,750 | 3,077 |
| Average total loans | $159,303,750 | 2,484 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 2,806 |
| Cost of funding earning assets | 0.1576% | 5,799 |
| Net interest margin | 3.9675% | 1,745 |
| Noninterest income to average assets | 0.6624% | 2,402 |
| Noninterest expense to average assets | 3.5371% | 1,242 |
| Loan and lease loss provision to assets | 0.0363% | 3,397 |
| Net operating income to assets | 0.5059% | 4,741 |
| Return on assets (ROA) | 0.5746% | 4,551 |
| Pretax return on assets | 0.7631% | 4,443 |
| Return on Equity (ROE) | 7.2350% | 3,466 |
| Retained earnings to average equity (ytd only) | 5.4620% | 2,560 |
| Net charge-offs to loans | -0.0333% | 5,368 |
| Credit loss provision to net charge-offs | -184.6154% | 5,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3244% | 1,339 |
| Assets per employee ($millions) | 3.5116% | 4,765 |
| Cash dividends to net income (ytd only)* | 24.5059% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7864% | 1,400 |
| Loan loss allowance to noncurrent loans | 385.1459% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 4,754 |
| Noncurrent loans to loans | 0.4638% | 4,093 |
| Net loans and leases to total assets | 59.0478% | 3,969 |
| Net loans and leases to deposits | 66.4739% | 4,293 |
| Net loans and leases to core deposits | 73.7597% | 3,972 |
| Total domestic deposits to total assets | 88.8285% | 1,235 |
| Equity capital to assets | 7.6226% | 6,091 |
| Core capital (leverage) ratio | 8.6506% | 5,370 |
| Tier 1 risk-based capital ratio | 13.3692% | 4,296 |
| Total risk-based capital ratio | 14.6241% | 4,225 |
| Memoranda: | ||
| Average total assets | $264,173,000 | 2,421 |
| Average earning assets | $238,536,000 | 2,471 |
| Average equity | $20,981,330 | 3,112 |
| Average total loans | $156,160,000 | 2,538 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1627% | 2,593 |
| Cost of funding earning assets | 0.1552% | 5,889 |
| Net interest margin | 4.0075% | 1,527 |
| Noninterest income to average assets | 0.6328% | 2,482 |
| Noninterest expense to average assets | 3.6451% | 1,074 |
| Loan and lease loss provision to assets | 0.0735% | 2,469 |
| Net operating income to assets | 0.3885% | 5,112 |
| Return on assets (ROA) | 0.4397% | 5,033 |
| Pretax return on assets | 0.5822% | 4,965 |
| Return on Equity (ROE) | 5.4237% | 4,322 |
| Retained earnings to average equity (ytd only) | 3.6662% | 3,808 |
| Net charge-offs to loans | -0.0549% | 5,561 |
| Credit loss provision to net charge-offs | -228.5714% | 4,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1021% | 1,175 |
| Assets per employee ($millions) | 3.5297% | 4,845 |
| Cash dividends to net income (ytd only)* | 32.4042% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8504% | 1,394 |
| Loan loss allowance to noncurrent loans | 371.6667% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 4,714 |
| Noncurrent loans to loans | 0.4979% | 4,085 |
| Net loans and leases to total assets | 56.5776% | 4,140 |
| Net loans and leases to deposits | 63.1814% | 4,466 |
| Net loans and leases to core deposits | 69.5718% | 4,196 |
| Total domestic deposits to total assets | 89.5477% | 968 |
| Equity capital to assets | 7.8455% | 6,091 |
| Core capital (leverage) ratio | 8.7622% | 5,246 |
| Tier 1 risk-based capital ratio | 13.3121% | 4,427 |
| Total risk-based capital ratio | 14.5679% | 4,332 |
| Memoranda: | ||
| Average total assets | $261,063,000 | 2,463 |
| Average earning assets | $234,558,500 | 2,514 |
| Average equity | $21,166,500 | 3,120 |
| Average total loans | $152,957,500 | 2,583 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 2,790 |
| Cost of funding earning assets | 0.1640% | 6,016 |
| Net interest margin | 4.0831% | 1,637 |
| Noninterest income to average assets | 0.6766% | 2,425 |
| Noninterest expense to average assets | 3.3379% | 1,829 |
| Loan and lease loss provision to assets | 0.0976% | 2,520 |
| Net operating income to assets | 0.6180% | 4,287 |
| Return on assets (ROA) | 0.6641% | 4,163 |
| Pretax return on assets | 0.9080% | 3,875 |
| Return on Equity (ROE) | 7.9222% | 3,172 |
| Retained earnings to average equity (ytd only) | 6.2139% | 1,804 |
| Net charge-offs to loans | 0.0455% | 3,917 |
| Credit loss provision to net charge-offs | 373.1343% | 700 |
| Earnings coverage of net charge-offs (x) | 36.0448% | 1,175 |
| Efficiency ratio | 77.9834% | 2,216 |
| Assets per employee ($millions) | 3.3378% | 5,204 |
| Cash dividends to net income (ytd only)* | 21.5629% | 3,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8962% | 1,323 |
| Loan loss allowance to noncurrent loans | 324.1695% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 4,555 |
| Noncurrent loans to loans | 0.5849% | 3,915 |
| Net loans and leases to total assets | 58.4869% | 3,994 |
| Net loans and leases to deposits | 65.7675% | 4,353 |
| Net loans and leases to core deposits | 72.1125% | 4,109 |
| Total domestic deposits to total assets | 88.9298% | 1,274 |
| Equity capital to assets | 8.3927% | 5,834 |
| Core capital (leverage) ratio | 8.8578% | 5,172 |
| Tier 1 risk-based capital ratio | 14.0146% | 4,082 |
| Total risk-based capital ratio | 15.2709% | 4,007 |
| Memoranda: | ||
| Average total assets | $256,271,000 | 2,470 |
| Average earning assets | $226,176,400 | 2,561 |
| Average equity | $21,484,000 | 3,001 |
| Average total loans | $147,238,400 | 2,610 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 2,793 |
| Cost of funding earning assets | 0.1670% | 6,082 |
| Net interest margin | 4.0873% | 1,618 |
| Noninterest income to average assets | 0.6890% | 2,384 |
| Noninterest expense to average assets | 3.2883% | 1,928 |
| Loan and lease loss provision to assets | 0.0931% | 2,500 |
| Net operating income to assets | 0.6550% | 4,191 |
| Return on assets (ROA) | 0.6523% | 4,304 |
| Pretax return on assets | 0.8866% | 4,046 |
| Return on Equity (ROE) | 7.7828% | 3,327 |
| Retained earnings to average equity (ytd only) | 6.0917% | 2,354 |
| Net charge-offs to loans | 0.0327% | 3,832 |
| Credit loss provision to net charge-offs | 500.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 52.8042% | 938 |
| Efficiency ratio | 76.9799% | 2,357 |
| Assets per employee ($millions) | 3.6649% | 4,545 |
| Cash dividends to net income (ytd only)* | 21.7286% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8790% | 1,507 |
| Loan loss allowance to noncurrent loans | 993.2384% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 5,559 |
| Noncurrent loans to loans | 0.1892% | 5,340 |
| Net loans and leases to total assets | 54.4762% | 4,518 |
| Net loans and leases to deposits | 61.0456% | 4,844 |
| Net loans and leases to core deposits | 65.0060% | 4,803 |
| Total domestic deposits to total assets | 89.2385% | 1,104 |
| Equity capital to assets | 8.4254% | 5,856 |
| Core capital (leverage) ratio | 8.8463% | 5,272 |
| Tier 1 risk-based capital ratio | 13.5936% | 4,478 |
| Total risk-based capital ratio | 14.8492% | 4,421 |
| Memoranda: | ||
| Average total assets | $257,754,250 | 2,471 |
| Average earning assets | $225,930,250 | 2,579 |
| Average equity | $21,602,500 | 2,993 |
| Average total loans | $146,736,750 | 2,632 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 2,656 |
| Cost of funding earning assets | 0.1698% | 6,140 |
| Net interest margin | 4.1114% | 1,474 |
| Noninterest income to average assets | 0.6947% | 2,311 |
| Noninterest expense to average assets | 3.3258% | 1,852 |
| Loan and lease loss provision to assets | 0.0943% | 2,453 |
| Net operating income to assets | 0.6703% | 3,990 |
| Return on assets (ROA) | 0.6656% | 4,116 |
| Pretax return on assets | 0.9038% | 3,876 |
| Return on Equity (ROE) | 7.9569% | 3,120 |
| Retained earnings to average equity (ytd only) | 6.2659% | 2,174 |
| Net charge-offs to loans | 0.0370% | 3,481 |
| Credit loss provision to net charge-offs | 444.4444% | 640 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 945 |
| Efficiency ratio | 76.8058% | 2,486 |
| Assets per employee ($millions) | 3.4404% | 4,972 |
| Cash dividends to net income (ytd only)* | 21.2515% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 1,663 |
| Loan loss allowance to noncurrent loans | 1,104.8387% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 5,379 |
| Noncurrent loans to loans | 0.1689% | 5,505 |
| Net loans and leases to total assets | 56.6059% | 4,175 |
| Net loans and leases to deposits | 64.2258% | 4,476 |
| Net loans and leases to core deposits | 71.3918% | 4,114 |
| Total domestic deposits to total assets | 88.1358% | 1,827 |
| Equity capital to assets | 8.7333% | 5,585 |
| Core capital (leverage) ratio | 8.7911% | 5,280 |
| Tier 1 risk-based capital ratio | 13.6348% | 4,498 |
| Total risk-based capital ratio | 14.8903% | 4,440 |
| Memoranda: | ||
| Average total assets | $254,493,330 | 2,510 |
| Average earning assets | $225,031,000 | 2,591 |
| Average equity | $21,289,670 | 3,024 |
| Average total loans | $146,137,330 | 2,638 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3207% | 2,441 |
| Cost of funding earning assets | 0.1708% | 6,225 |
| Net interest margin | 4.1499% | 1,346 |
| Noninterest income to average assets | 0.6901% | 2,221 |
| Noninterest expense to average assets | 3.3909% | 1,726 |
| Loan and lease loss provision to assets | 0.0943% | 2,346 |
| Net operating income to assets | 0.6460% | 3,965 |
| Return on assets (ROA) | 0.6367% | 4,105 |
| Pretax return on assets | 0.8599% | 3,861 |
| Return on Equity (ROE) | 7.7819% | 3,050 |
| Retained earnings to average equity (ytd only) | 6.1102% | 2,478 |
| Net charge-offs to loans | -0.0137% | 5,171 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8139% | 2,498 |
| Assets per employee ($millions) | 3.6380% | 4,649 |
| Cash dividends to net income (ytd only)* | 21.4815% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8525% | 1,894 |
| Loan loss allowance to noncurrent loans | 944.9477% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 5,449 |
| Noncurrent loans to loans | 0.1960% | 5,504 |
| Net loans and leases to total assets | 54.8549% | 4,296 |
| Net loans and leases to deposits | 61.1787% | 4,643 |
| Net loans and leases to core deposits | 68.8414% | 4,229 |
| Total domestic deposits to total assets | 89.6634% | 1,268 |
| Equity capital to assets | 8.1185% | 5,964 |
| Core capital (leverage) ratio | 8.5342% | 5,599 |
| Tier 1 risk-based capital ratio | 13.4033% | 4,766 |
| Total risk-based capital ratio | 14.6585% | 4,692 |
| Memoranda: | ||
| Average total assets | $254,445,000 | 2,509 |
| Average earning assets | $224,870,500 | 2,608 |
| Average equity | $20,817,500 | 3,078 |
| Average total loans | $145,779,500 | 2,644 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3512% | 2,769 |
| Cost of funding earning assets | 0.1788% | 6,400 |
| Net interest margin | 4.1723% | 1,439 |
| Noninterest income to average assets | 0.7271% | 2,396 |
| Noninterest expense to average assets | 3.4886% | 1,679 |
| Loan and lease loss provision to assets | 0.1465% | 2,465 |
| Net operating income to assets | 0.6629% | 3,966 |
| Return on assets (ROA) | 0.6776% | 3,994 |
| Pretax return on assets | 0.8361% | 4,014 |
| Return on Equity (ROE) | 8.6693% | 2,716 |
| Retained earnings to average equity (ytd only) | 6.8320% | 1,516 |
| Net charge-offs to loans | 0.0544% | 4,465 |
| Credit loss provision to net charge-offs | 479.7297% | 482 |
| Earnings coverage of net charge-offs (x) | 31.5811% | 1,131 |
| Efficiency ratio | 78.3431% | 2,414 |
| Assets per employee ($millions) | 3.5280% | 4,846 |
| Cash dividends to net income (ytd only)* | 21.1937% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8235% | 1,994 |
| Loan loss allowance to noncurrent loans | 1,278.7440% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 5,455 |
| Noncurrent loans to loans | 0.1426% | 5,771 |
| Net loans and leases to total assets | 57.7092% | 4,083 |
| Net loans and leases to deposits | 65.0344% | 4,409 |
| Net loans and leases to core deposits | 75.6757% | 3,646 |
| Total domestic deposits to total assets | 88.7365% | 1,788 |
| Equity capital to assets | 8.2484% | 5,824 |
| Core capital (leverage) ratio | 8.6244% | 5,511 |
| Tier 1 risk-based capital ratio | 13.4696% | 4,672 |
| Total risk-based capital ratio | 14.7246% | 4,610 |
| Memoranda: | ||
| Average total assets | $242,329,200 | 2,601 |
| Average earning assets | $216,402,400 | 2,658 |
| Average equity | $18,940,400 | 3,285 |
| Average total loans | $136,045,200 | 2,759 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 2,818 |
| Cost of funding earning assets | 0.1795% | 6,506 |
| Net interest margin | 4.1646% | 1,440 |
| Noninterest income to average assets | 0.7436% | 2,394 |
| Noninterest expense to average assets | 3.5078% | 1,598 |
| Loan and lease loss provision to assets | 0.1471% | 2,440 |
| Net operating income to assets | 0.6513% | 4,116 |
| Return on assets (ROA) | 0.6717% | 4,148 |
| Pretax return on assets | 0.8199% | 4,222 |
| Return on Equity (ROE) | 8.7174% | 2,781 |
| Retained earnings to average equity (ytd only) | 6.8448% | 1,951 |
| Net charge-offs to loans | 0.0090% | 4,970 |
| Credit loss provision to net charge-offs | 2,955.5556% | 115 |
| Earnings coverage of net charge-offs (x) | 189.3283% | 306 |
| Efficiency ratio | 78.8297% | 2,283 |
| Assets per employee ($millions) | 3.5308% | 4,790 |
| Cash dividends to net income (ytd only)* | 21.4814% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8706% | 2,086 |
| Loan loss allowance to noncurrent loans | 904.4828% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 5,193 |
| Noncurrent loans to loans | 0.2068% | 5,726 |
| Net loans and leases to total assets | 54.1268% | 4,592 |
| Net loans and leases to deposits | 60.1151% | 4,959 |
| Net loans and leases to core deposits | 67.4216% | 4,582 |
| Total domestic deposits to total assets | 90.0387% | 974 |
| Equity capital to assets | 7.2053% | 6,491 |
| Core capital (leverage) ratio | 8.8527% | 5,321 |
| Tier 1 risk-based capital ratio | 13.3877% | 4,846 |
| Total risk-based capital ratio | 14.6425% | 4,782 |
| Memoranda: | ||
| Average total assets | $241,172,250 | 2,634 |
| Average earning assets | $214,630,000 | 2,689 |
| Average equity | $18,583,000 | 3,367 |
| Average total loans | $133,765,500 | 2,810 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 2,615 |
| Cost of funding earning assets | 0.1842% | 6,554 |
| Net interest margin | 4.2033% | 1,265 |
| Noninterest income to average assets | 0.7499% | 2,414 |
| Noninterest expense to average assets | 3.6035% | 1,410 |
| Loan and lease loss provision to assets | 0.1503% | 2,445 |
| Net operating income to assets | 0.6276% | 4,168 |
| Return on assets (ROA) | 0.6570% | 4,194 |
| Pretax return on assets | 0.7888% | 4,351 |
| Return on Equity (ROE) | 8.3335% | 2,925 |
| Retained earnings to average equity (ytd only) | 6.4697% | 2,164 |
| Net charge-offs to loans | -0.0106% | 5,782 |
| Credit loss provision to net charge-offs | -2,542.8571% | 6,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9513% | 2,159 |
| Assets per employee ($millions) | 3.2049% | 5,465 |
| Cash dividends to net income (ytd only)* | 22.3650% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 2,221 |
| Loan loss allowance to noncurrent loans | 541.4013% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 5,236 |
| Noncurrent loans to loans | 0.3439% | 5,438 |
| Net loans and leases to total assets | 56.6690% | 4,183 |
| Net loans and leases to deposits | 65.0680% | 4,365 |
| Net loans and leases to core deposits | 71.2174% | 4,145 |
| Total domestic deposits to total assets | 87.0920% | 2,763 |
| Equity capital to assets | 7.3945% | 6,476 |
| Core capital (leverage) ratio | 8.7378% | 5,371 |
| Tier 1 risk-based capital ratio | 13.5419% | 4,746 |
| Total risk-based capital ratio | 14.7973% | 4,698 |
| Memoranda: | ||
| Average total assets | $236,825,000 | 2,676 |
| Average earning assets | $211,688,670 | 2,723 |
| Average equity | $18,671,670 | 3,375 |
| Average total loans | $131,613,670 | 2,852 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4105% | 2,487 |
| Cost of funding earning assets | 0.1937% | 6,607 |
| Net interest margin | 4.2168% | 1,147 |
| Noninterest income to average assets | 0.7403% | 2,373 |
| Noninterest expense to average assets | 3.7066% | 1,240 |
| Loan and lease loss provision to assets | 0.1504% | 2,362 |
| Net operating income to assets | 0.5674% | 4,372 |
| Return on assets (ROA) | 0.5628% | 4,552 |
| Pretax return on assets | 0.6305% | 4,840 |
| Return on Equity (ROE) | 6.9234% | 3,528 |
| Retained earnings to average equity (ytd only) | 5.1146% | 3,163 |
| Net charge-offs to loans | -0.0558% | 6,181 |
| Credit loss provision to net charge-offs | -494.4444% | 5,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5056% | 1,963 |
| Assets per employee ($millions) | 3.4552% | 5,074 |
| Cash dividends to net income (ytd only)* | 26.1261% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 2,346 |
| Loan loss allowance to noncurrent loans | 337.2442% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 5,112 |
| Noncurrent loans to loans | 0.5591% | 5,043 |
| Net loans and leases to total assets | 52.4385% | 4,634 |
| Net loans and leases to deposits | 58.1215% | 5,016 |
| Net loans and leases to core deposits | 63.8550% | 4,757 |
| Total domestic deposits to total assets | 90.2221% | 924 |
| Equity capital to assets | 7.7870% | 6,478 |
| Core capital (leverage) ratio | 8.6172% | 5,432 |
| Tier 1 risk-based capital ratio | 13.5981% | 4,802 |
| Total risk-based capital ratio | 14.8529% | 4,761 |
| Memoranda: | ||
| Average total assets | $236,656,000 | 2,711 |
| Average earning assets | $210,588,000 | 2,766 |
| Average equity | $19,239,000 | 3,345 |
| Average total loans | $128,946,500 | 2,907 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6240% | 2,901 |
| Cost of funding earning assets | 0.2518% | 6,662 |
| Net interest margin | 4.3721% | 1,225 |
| Noninterest income to average assets | 0.8310% | 2,122 |
| Noninterest expense to average assets | 3.6871% | 1,437 |
| Loan and lease loss provision to assets | 0.1827% | 3,350 |
| Net operating income to assets | 0.7491% | 3,518 |
| Return on assets (ROA) | 0.7928% | 3,566 |
| Pretax return on assets | 1.0045% | 3,538 |
| Return on Equity (ROE) | 9.4042% | 2,442 |
| Retained earnings to average equity (ytd only) | 7.5754% | 1,295 |
| Net charge-offs to loans | 0.0987% | 4,677 |
| Credit loss provision to net charge-offs | 349.5798% | 699 |
| Earnings coverage of net charge-offs (x) | 21.6555% | 1,291 |
| Efficiency ratio | 76.5129% | 2,662 |
| Assets per employee ($millions) | 3.3529% | 5,323 |
| Cash dividends to net income (ytd only)* | 19.4460% | 3,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8662% | 2,399 |
| Loan loss allowance to noncurrent loans | 362.3277% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 5,193 |
| Noncurrent loans to loans | 0.5151% | 5,245 |
| Net loans and leases to total assets | 54.5690% | 4,536 |
| Net loans and leases to deposits | 61.7691% | 4,811 |
| Net loans and leases to core deposits | 66.7321% | 4,666 |
| Total domestic deposits to total assets | 88.3436% | 2,000 |
| Equity capital to assets | 8.4980% | 6,057 |
| Core capital (leverage) ratio | 8.7353% | 5,273 |
| Tier 1 risk-based capital ratio | 14.0738% | 4,326 |
| Total risk-based capital ratio | 15.3289% | 4,280 |
| Memoranda: | ||
| Average total assets | $227,682,800 | 2,754 |
| Average earning assets | $207,678,200 | 2,767 |
| Average equity | $19,193,600 | 3,305 |
| Average total loans | $120,625,600 | 3,058 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6398% | 3,059 |
| Cost of funding earning assets | 0.2631% | 6,756 |
| Net interest margin | 4.3767% | 1,254 |
| Noninterest income to average assets | 0.8102% | 2,195 |
| Noninterest expense to average assets | 3.6647% | 1,424 |
| Loan and lease loss provision to assets | 0.1090% | 4,210 |
| Net operating income to assets | 0.8141% | 3,376 |
| Return on assets (ROA) | 0.7979% | 3,704 |
| Pretax return on assets | 1.0105% | 3,668 |
| Return on Equity (ROE) | 9.4836% | 2,598 |
| Retained earnings to average equity (ytd only) | 7.6663% | 1,772 |
| Net charge-offs to loans | 0.1702% | 3,742 |
| Credit loss provision to net charge-offs | 122.3684% | 2,362 |
| Earnings coverage of net charge-offs (x) | 12.8027% | 1,969 |
| Efficiency ratio | 76.2741% | 2,633 |
| Assets per employee ($millions) | 3.5061% | 4,970 |
| Cash dividends to net income (ytd only)* | 19.1630% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 3,229 |
| Loan loss allowance to noncurrent loans | 345.8882% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 5,454 |
| Noncurrent loans to loans | 0.4843% | 5,482 |
| Net loans and leases to total assets | 53.3477% | 4,848 |
| Net loans and leases to deposits | 59.9243% | 5,218 |
| Net loans and leases to core deposits | 63.8068% | 5,172 |
| Total domestic deposits to total assets | 89.0251% | 1,414 |
| Equity capital to assets | 8.6992% | 6,102 |
| Core capital (leverage) ratio | 8.6761% | 5,505 |
| Tier 1 risk-based capital ratio | 13.8480% | 4,654 |
| Total risk-based capital ratio | 15.1008% | 4,605 |
| Memoranda: | ||
| Average total assets | $227,605,000 | 2,780 |
| Average earning assets | $207,733,500 | 2,791 |
| Average equity | $19,148,250 | 3,333 |
| Average total loans | $119,087,000 | 3,137 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 3,058 |
| Cost of funding earning assets | 0.2730% | 6,830 |
| Net interest margin | 4.3956% | 1,211 |
| Noninterest income to average assets | 0.8253% | 2,078 |
| Noninterest expense to average assets | 3.7059% | 1,356 |
| Loan and lease loss provision to assets | 0.1122% | 4,127 |
| Net operating income to assets | 0.8046% | 3,377 |
| Return on assets (ROA) | 0.8253% | 3,534 |
| Pretax return on assets | 1.0604% | 3,462 |
| Return on Equity (ROE) | 9.9251% | 2,390 |
| Retained earnings to average equity (ytd only) | 8.0761% | 1,611 |
| Net charge-offs to loans | 0.1095% | 4,092 |
| Credit loss provision to net charge-offs | 198.4375% | 1,438 |
| Earnings coverage of net charge-offs (x) | 20.2656% | 1,396 |
| Efficiency ratio | 76.3795% | 2,688 |
| Assets per employee ($millions) | 3.1469% | 5,760 |
| Cash dividends to net income (ytd only)* | 18.6296% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7837% | 2,908 |
| Loan loss allowance to noncurrent loans | 245.6221% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 5,480 |
| Noncurrent loans to loans | 0.7262% | 5,055 |
| Net loans and leases to total assets | 51.8140% | 5,121 |
| Net loans and leases to deposits | 58.3910% | 5,408 |
| Net loans and leases to core deposits | 62.2692% | 5,363 |
| Total domestic deposits to total assets | 88.7362% | 1,683 |
| Equity capital to assets | 8.6267% | 6,100 |
| Core capital (leverage) ratio | 8.6066% | 5,508 |
| Tier 1 risk-based capital ratio | 13.9911% | 4,455 |
| Total risk-based capital ratio | 15.2446% | 4,415 |
| Memoranda: | ||
| Average total assets | $226,339,670 | 2,798 |
| Average earning assets | $207,343,000 | 2,795 |
| Average equity | $18,821,000 | 3,376 |
| Average total loans | $116,932,670 | 3,203 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 3,052 |
| Cost of funding earning assets | 0.2909% | 6,869 |
| Net interest margin | 4.4101% | 1,208 |
| Noninterest income to average assets | 0.8876% | 1,804 |
| Noninterest expense to average assets | 3.7662% | 1,259 |
| Loan and lease loss provision to assets | 0.1167% | 3,890 |
| Net operating income to assets | 0.8035% | 3,360 |
| Return on assets (ROA) | 0.9124% | 3,077 |
| Pretax return on assets | 1.1953% | 2,928 |
| Return on Equity (ROE) | 11.1818% | 1,949 |
| Retained earnings to average equity (ytd only) | 9.2965% | 1,479 |
| Net charge-offs to loans | 0.3079% | 2,431 |
| Credit loss provision to net charge-offs | 74.1573% | 2,841 |
| Earnings coverage of net charge-offs (x) | 7.4270% | 2,074 |
| Efficiency ratio | 76.3167% | 2,744 |
| Assets per employee ($millions) | 3.2051% | 5,761 |
| Cash dividends to net income (ytd only)* | 16.8605% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 3,148 |
| Loan loss allowance to noncurrent loans | 229.8876% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5203% | 5,563 |
| Noncurrent loans to loans | 0.7629% | 5,134 |
| Net loans and leases to total assets | 50.3656% | 5,258 |
| Net loans and leases to deposits | 56.2148% | 5,575 |
| Net loans and leases to core deposits | 58.8393% | 5,642 |
| Total domestic deposits to total assets | 89.5949% | 1,307 |
| Equity capital to assets | 8.3120% | 6,264 |
| Core capital (leverage) ratio | 8.4481% | 5,680 |
| Tier 1 risk-based capital ratio | 13.8461% | 4,577 |
| Total risk-based capital ratio | 15.0986% | 4,549 |
| Memoranda: | ||
| Average total assets | $226,221,500 | 2,815 |
| Average earning assets | $207,615,000 | 2,805 |
| Average equity | $18,458,500 | 3,432 |
| Average total loans | $115,634,000 | 3,244 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 3,039 |
| Cost of funding earning assets | 0.5090% | 6,492 |
| Net interest margin | 4.4580% | 1,235 |
| Noninterest income to average assets | 0.8625% | 1,794 |
| Noninterest expense to average assets | 3.7895% | 1,366 |
| Loan and lease loss provision to assets | 0.2662% | 3,557 |
| Net operating income to assets | 0.7879% | 3,092 |
| Return on assets (ROA) | 0.7754% | 3,316 |
| Pretax return on assets | 0.8443% | 3,804 |
| Return on Equity (ROE) | 9.7008% | 2,164 |
| Retained earnings to average equity (ytd only) | 7.8457% | 1,133 |
| Net charge-offs to loans | 0.3207% | 3,786 |
| Credit loss provision to net charge-offs | 165.8192% | 1,635 |
| Earnings coverage of net charge-offs (x) | 7.0028% | 2,414 |
| Efficiency ratio | 77.1226% | 2,724 |
| Assets per employee ($millions) | 3.2591% | 5,601 |
| Cash dividends to net income (ytd only)* | 19.1228% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8053% | 2,850 |
| Loan loss allowance to noncurrent loans | 234.0498% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 5,656 |
| Noncurrent loans to loans | 0.7713% | 5,149 |
| Net loans and leases to total assets | 50.0442% | 5,573 |
| Net loans and leases to deposits | 58.7590% | 5,625 |
| Net loans and leases to core deposits | 60.7330% | 5,777 |
| Total domestic deposits to total assets | 85.1686% | 3,759 |
| Equity capital to assets | 8.0051% | 6,569 |
| Core capital (leverage) ratio | 8.2181% | 5,962 |
| Tier 1 risk-based capital ratio | 13.8786% | 4,418 |
| Total risk-based capital ratio | 15.1325% | 4,371 |
| Memoranda: | ||
| Average total assets | $220,528,600 | 2,833 |
| Average earning assets | $200,404,400 | 2,848 |
| Average equity | $17,627,400 | 3,486 |
| Average total loans | $110,368,800 | 3,369 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 2,990 |
| Cost of funding earning assets | 0.5352% | 6,564 |
| Net interest margin | 4.4861% | 1,186 |
| Noninterest income to average assets | 0.9527% | 1,478 |
| Noninterest expense to average assets | 3.6492% | 1,602 |
| Loan and lease loss provision to assets | 0.2655% | 3,385 |
| Net operating income to assets | 0.8354% | 3,000 |
| Return on assets (ROA) | 0.8354% | 3,158 |
| Pretax return on assets | 1.0967% | 3,031 |
| Return on Equity (ROE) | 10.4558% | 2,052 |
| Retained earnings to average equity (ytd only) | 8.5927% | 1,283 |
| Net charge-offs to loans | 0.1293% | 4,753 |
| Credit loss provision to net charge-offs | 412.2642% | 694 |
| Earnings coverage of net charge-offs (x) | 21.1509% | 1,193 |
| Efficiency ratio | 72.8177% | 3,398 |
| Assets per employee ($millions) | 3.1025% | 5,891 |
| Cash dividends to net income (ytd only)* | 17.8182% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9169% | 2,572 |
| Loan loss allowance to noncurrent loans | 184.4255% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5260% | 5,777 |
| Noncurrent loans to loans | 1.0394% | 4,819 |
| Net loans and leases to total assets | 49.6381% | 5,752 |
| Net loans and leases to deposits | 58.9139% | 5,756 |
| Net loans and leases to core deposits | 60.5769% | 5,936 |
| Total domestic deposits to total assets | 84.2553% | 4,118 |
| Equity capital to assets | 8.6551% | 6,138 |
| Core capital (leverage) ratio | 8.3330% | 5,934 |
| Tier 1 risk-based capital ratio | 13.8318% | 4,472 |
| Total risk-based capital ratio | 15.0866% | 4,435 |
| Memoranda: | ||
| Average total assets | $219,440,500 | 2,845 |
| Average earning assets | $198,534,500 | 2,881 |
| Average equity | $17,533,750 | 3,506 |
| Average total loans | $109,308,750 | 3,427 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 2,982 |
| Cost of funding earning assets | 0.5499% | 6,664 |
| Net interest margin | 4.4874% | 1,167 |
| Noninterest income to average assets | 0.9976% | 1,325 |
| Noninterest expense to average assets | 3.7144% | 1,505 |
| Loan and lease loss provision to assets | 0.2998% | 3,008 |
| Net operating income to assets | 0.8078% | 3,034 |
| Return on assets (ROA) | 0.8078% | 3,156 |
| Pretax return on assets | 1.0462% | 3,056 |
| Return on Equity (ROE) | 10.4053% | 1,984 |
| Retained earnings to average equity (ytd only) | 8.4801% | 1,270 |
| Net charge-offs to loans | 0.0907% | 4,759 |
| Credit loss provision to net charge-offs | 667.3469% | 469 |
| Earnings coverage of net charge-offs (x) | 29.9592% | 920 |
| Efficiency ratio | 73.4010% | 3,483 |
| Assets per employee ($millions) | 3.0487% | 5,978 |
| Cash dividends to net income (ytd only)* | 18.5017% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9010% | 2,665 |
| Loan loss allowance to noncurrent loans | 220.8986% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 6,054 |
| Noncurrent loans to loans | 0.8606% | 5,227 |
| Net loans and leases to total assets | 49.6991% | 5,861 |
| Net loans and leases to deposits | 58.7439% | 5,853 |
| Net loans and leases to core deposits | 61.4154% | 5,954 |
| Total domestic deposits to total assets | 84.6029% | 4,075 |
| Equity capital to assets | 8.2450% | 6,476 |
| Core capital (leverage) ratio | 8.2520% | 5,947 |
| Tier 1 risk-based capital ratio | 13.6923% | 4,391 |
| Total risk-based capital ratio | 14.9469% | 4,357 |
| Memoranda: | ||
| Average total assets | $218,126,330 | 2,876 |
| Average earning assets | $197,484,670 | 2,908 |
| Average equity | $16,933,670 | 3,581 |
| Average total loans | $108,061,670 | 3,504 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0494% | 2,859 |
| Cost of funding earning assets | 0.5654% | 6,740 |
| Net interest margin | 4.4841% | 1,106 |
| Noninterest income to average assets | 1.0670% | 1,152 |
| Noninterest expense to average assets | 3.8227% | 1,301 |
| Loan and lease loss provision to assets | 0.4047% | 2,168 |
| Net operating income to assets | 0.7027% | 3,509 |
| Return on assets (ROA) | 0.7027% | 3,576 |
| Pretax return on assets | 0.8812% | 3,573 |
| Return on Equity (ROE) | 9.3447% | 2,334 |
| Retained earnings to average equity (ytd only) | 7.4122% | 1,982 |
| Net charge-offs to loans | 0.0676% | 4,246 |
| Credit loss provision to net charge-offs | 1,222.2222% | 326 |
| Earnings coverage of net charge-offs (x) | 38.8333% | 699 |
| Efficiency ratio | 74.8290% | 3,357 |
| Assets per employee ($millions) | 3.1781% | 5,768 |
| Cash dividends to net income (ytd only)* | 20.6806% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8870% | 2,734 |
| Loan loss allowance to noncurrent loans | 166.5033% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 5,626 |
| Noncurrent loans to loans | 1.1333% | 4,812 |
| Net loans and leases to total assets | 47.6318% | 6,118 |
| Net loans and leases to deposits | 55.5393% | 6,171 |
| Net loans and leases to core deposits | 58.3798% | 6,219 |
| Total domestic deposits to total assets | 85.7623% | 3,659 |
| Equity capital to assets | 7.4996% | 6,869 |
| Core capital (leverage) ratio | 8.0738% | 6,159 |
| Tier 1 risk-based capital ratio | 13.4513% | 4,459 |
| Total risk-based capital ratio | 14.7051% | 4,435 |
| Memoranda: | ||
| Average total assets | $217,438,000 | 2,905 |
| Average earning assets | $195,982,500 | 2,933 |
| Average equity | $16,351,500 | 3,665 |
| Average total loans | $106,490,000 | 3,570 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 3,902 |
| Cost of funding earning assets | 0.7477% | 6,744 |
| Net interest margin | 4.3940% | 1,494 |
| Noninterest income to average assets | 0.9094% | 1,823 |
| Noninterest expense to average assets | 3.8400% | 1,417 |
| Loan and lease loss provision to assets | 0.1523% | 5,676 |
| Net operating income to assets | 0.7048% | 3,214 |
| Return on assets (ROA) | 0.6777% | 3,445 |
| Pretax return on assets | 0.8647% | 3,425 |
| Return on Equity (ROE) | 8.8476% | 2,365 |
| Retained earnings to average equity (ytd only) | 6.9091% | 1,359 |
| Net charge-offs to loans | 0.3739% | 4,167 |
| Credit loss provision to net charge-offs | 81.4249% | 5,504 |
| Earnings coverage of net charge-offs (x) | 5.6234% | 2,577 |
| Efficiency ratio | 78.4999% | 2,616 |
| Assets per employee ($millions) | 3.0784% | 5,923 |
| Cash dividends to net income (ytd only)* | 21.9101% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7489% | 3,034 |
| Loan loss allowance to noncurrent loans | 194.2857% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.8860% | 5,243 |
| Noncurrent loans to loans | 0.9002% | 5,258 |
| Net loans and leases to total assets | 48.5577% | 6,330 |
| Net loans and leases to deposits | 57.6799% | 6,284 |
| Net loans and leases to core deposits | 61.6520% | 6,261 |
| Total domestic deposits to total assets | 84.1849% | 4,280 |
| Equity capital to assets | 7.5415% | 6,859 |
| Core capital (leverage) ratio | 8.0743% | 6,071 |
| Tier 1 risk-based capital ratio | 13.3470% | 4,335 |
| Total risk-based capital ratio | 14.5991% | 4,292 |
| Memoranda: | ||
| Average total assets | $210,127,600 | 2,980 |
| Average earning assets | $190,443,400 | 2,993 |
| Average equity | $16,094,800 | 3,738 |
| Average total loans | $105,096,400 | 3,650 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1632% | 4,021 |
| Cost of funding earning assets | 0.7983% | 6,771 |
| Net interest margin | 4.3649% | 1,629 |
| Noninterest income to average assets | 0.9187% | 1,730 |
| Noninterest expense to average assets | 3.8308% | 1,320 |
| Loan and lease loss provision to assets | 0.1145% | 5,886 |
| Net operating income to assets | 0.7189% | 3,326 |
| Return on assets (ROA) | 0.6827% | 3,656 |
| Pretax return on assets | 0.8755% | 3,643 |
| Return on Equity (ROE) | 8.8783% | 2,530 |
| Retained earnings to average equity (ytd only) | 6.9504% | 1,879 |
| Net charge-offs to loans | 0.4021% | 3,679 |
| Credit loss provision to net charge-offs | 56.7823% | 5,769 |
| Earnings coverage of net charge-offs (x) | 5.1388% | 2,835 |
| Efficiency ratio | 78.7059% | 2,530 |
| Assets per employee ($millions) | 3.0629% | 6,002 |
| Cash dividends to net income (ytd only)* | 21.7149% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7190% | 3,098 |
| Loan loss allowance to noncurrent loans | 167.3277% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 5,322 |
| Noncurrent loans to loans | 1.0273% | 5,186 |
| Net loans and leases to total assets | 47.2535% | 6,582 |
| Net loans and leases to deposits | 56.3116% | 6,596 |
| Net loans and leases to core deposits | 58.8687% | 6,677 |
| Total domestic deposits to total assets | 83.9144% | 4,180 |
| Equity capital to assets | 7.9845% | 6,814 |
| Core capital (leverage) ratio | 7.9516% | 6,415 |
| Tier 1 risk-based capital ratio | 13.3090% | 4,347 |
| Total risk-based capital ratio | 14.5610% | 4,312 |
| Memoranda: | ||
| Average total assets | $209,556,750 | 3,030 |
| Average earning assets | $189,566,000 | 3,052 |
| Average equity | $16,113,750 | 3,791 |
| Average total loans | $105,126,000 | 3,701 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1699% | 4,094 |
| Cost of funding earning assets | 0.8484% | 6,765 |
| Net interest margin | 4.3215% | 1,700 |
| Noninterest income to average assets | 0.9330% | 1,570 |
| Noninterest expense to average assets | 3.8482% | 1,269 |
| Loan and lease loss provision to assets | 0.1154% | 5,747 |
| Net operating income to assets | 0.6930% | 3,431 |
| Return on assets (ROA) | 0.6742% | 3,660 |
| Pretax return on assets | 0.8599% | 3,659 |
| Return on Equity (ROE) | 8.8854% | 2,513 |
| Retained earnings to average equity (ytd only) | 6.9334% | 1,867 |
| Net charge-offs to loans | 0.1947% | 4,442 |
| Credit loss provision to net charge-offs | 116.5049% | 3,484 |
| Earnings coverage of net charge-offs (x) | 10.0874% | 1,939 |
| Efficiency ratio | 79.3849% | 2,517 |
| Assets per employee ($millions) | 2.9392% | 6,275 |
| Cash dividends to net income (ytd only)* | 21.9686% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 2,612 |
| Loan loss allowance to noncurrent loans | 155.3226% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 1.0286% | 5,079 |
| Noncurrent loans to loans | 1.1826% | 4,984 |
| Net loans and leases to total assets | 47.9694% | 6,624 |
| Net loans and leases to deposits | 58.1668% | 6,565 |
| Net loans and leases to core deposits | 61.2806% | 6,613 |
| Total domestic deposits to total assets | 82.4686% | 4,793 |
| Equity capital to assets | 7.6588% | 7,015 |
| Core capital (leverage) ratio | 7.9201% | 6,363 |
| Tier 1 risk-based capital ratio | 12.9375% | 4,503 |
| Total risk-based capital ratio | 14.1904% | 4,452 |
| Memoranda: | ||
| Average total assets | $207,941,330 | 3,067 |
| Average earning assets | $188,359,000 | 3,087 |
| Average equity | $15,778,670 | 3,840 |
| Average total loans | $105,806,330 | 3,724 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2209% | 3,916 |
| Cost of funding earning assets | 0.8770% | 6,853 |
| Net interest margin | 4.3439% | 1,553 |
| Noninterest income to average assets | 0.9226% | 1,548 |
| Noninterest expense to average assets | 3.9310% | 1,125 |
| Loan and lease loss provision to assets | 0.1173% | 5,431 |
| Net operating income to assets | 0.6416% | 3,700 |
| Return on assets (ROA) | 0.6803% | 3,642 |
| Pretax return on assets | 0.8640% | 3,610 |
| Return on Equity (ROE) | 9.0088% | 2,496 |
| Retained earnings to average equity (ytd only) | 6.9637% | 2,148 |
| Net charge-offs to loans | 0.1769% | 3,861 |
| Credit loss provision to net charge-offs | 127.6596% | 2,761 |
| Earnings coverage of net charge-offs (x) | 10.1489% | 1,773 |
| Efficiency ratio | 80.8280% | 2,435 |
| Assets per employee ($millions) | 2.9253% | 6,389 |
| Cash dividends to net income (ytd only)* | 22.7011% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 2,590 |
| Loan loss allowance to noncurrent loans | 145.3858% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 1.1437% | 4,881 |
| Noncurrent loans to loans | 1.2694% | 4,861 |
| Net loans and leases to total assets | 49.9194% | 6,468 |
| Net loans and leases to deposits | 60.9782% | 6,366 |
| Net loans and leases to core deposits | 62.9726% | 6,528 |
| Total domestic deposits to total assets | 81.8644% | 5,128 |
| Equity capital to assets | 7.5891% | 7,000 |
| Core capital (leverage) ratio | 7.9964% | 6,247 |
| Tier 1 risk-based capital ratio | 12.7181% | 4,544 |
| Total risk-based capital ratio | 13.9706% | 4,507 |
| Memoranda: | ||
| Average total assets | $204,630,000 | 3,157 |
| Average earning assets | $185,640,000 | 3,181 |
| Average equity | $15,451,500 | 3,939 |
| Average total loans | $106,284,000 | 3,770 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4841% | 4,232 |
| Cost of funding earning assets | 1.1109% | 6,937 |
| Net interest margin | 4.3732% | 1,504 |
| Noninterest income to average assets | 1.0275% | 1,478 |
| Noninterest expense to average assets | 3.9890% | 1,380 |
| Loan and lease loss provision to assets | 0.1380% | 6,261 |
| Net operating income to assets | 0.7735% | 2,624 |
| Return on assets (ROA) | 0.5195% | 3,742 |
| Pretax return on assets | 0.5933% | 3,916 |
| Return on Equity (ROE) | 7.5387% | 2,569 |
| Retained earnings to average equity (ytd only) | 5.2370% | 1,702 |
| Net charge-offs to loans | 0.1378% | 5,837 |
| Credit loss provision to net charge-offs | 188.3562% | 2,138 |
| Earnings coverage of net charge-offs (x) | 13.9178% | 1,394 |
| Efficiency ratio | 79.6372% | 2,934 |
| Assets per employee ($millions) | 2.9213% | 6,409 |
| Cash dividends to net income (ytd only)* | 30.5314% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7606% | 2,674 |
| Loan loss allowance to noncurrent loans | 140.0587% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.6665% | 5,801 |
| Noncurrent loans to loans | 1.2571% | 4,840 |
| Net loans and leases to total assets | 52.0891% | 6,411 |
| Net loans and leases to deposits | 62.6433% | 6,394 |
| Net loans and leases to core deposits | 72.4548% | 6,624 |
| Total domestic deposits to total assets | 83.1519% | 4,457 |
| Equity capital to assets | 7.5128% | 7,027 |
| Core capital (leverage) ratio | 7.7483% | 6,503 |
| Tier 1 risk-based capital ratio | 12.4477% | 4,561 |
| Total risk-based capital ratio | 13.7000% | 4,512 |
| Memoranda: | ||
| Average total assets | $199,222,000 | 3,193 |
| Average earning assets | $181,379,000 | 3,202 |
| Average equity | $13,729,200 | 4,330 |
| Average total loans | $105,955,800 | 3,777 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5119% | 4,356 |
| Cost of funding earning assets | 1.1582% | 7,008 |
| Net interest margin | 4.3536% | 1,581 |
| Noninterest income to average assets | 0.9991% | 1,609 |
| Noninterest expense to average assets | 3.9769% | 1,306 |
| Loan and lease loss provision to assets | 0.1011% | 6,356 |
| Net operating income to assets | 0.8713% | 2,532 |
| Return on assets (ROA) | 0.4878% | 4,133 |
| Pretax return on assets | 0.4918% | 4,543 |
| Return on Equity (ROE) | 7.2467% | 2,968 |
| Retained earnings to average equity (ytd only) | 4.8745% | 2,567 |
| Net charge-offs to loans | 0.0785% | 5,896 |
| Credit loss provision to net charge-offs | 241.9355% | 1,801 |
| Earnings coverage of net charge-offs (x) | 23.4690% | 1,120 |
| Efficiency ratio | 80.2256% | 2,809 |
| Assets per employee ($millions) | 3.0364% | 6,069 |
| Cash dividends to net income (ytd only)* | 32.7346% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7654% | 2,396 |
| Loan loss allowance to noncurrent loans | 157.1068% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 6,014 |
| Noncurrent loans to loans | 1.1237% | 5,066 |
| Net loans and leases to total assets | 50.3417% | 6,753 |
| Net loans and leases to deposits | 60.3437% | 6,806 |
| Net loans and leases to core deposits | 66.3551% | 7,145 |
| Total domestic deposits to total assets | 83.4250% | 4,007 |
| Equity capital to assets | 7.1932% | 7,494 |
| Core capital (leverage) ratio | 7.9767% | 6,400 |
| Tier 1 risk-based capital ratio | 12.5344% | 4,512 |
| Total risk-based capital ratio | 13.7871% | 4,465 |
| Memoranda: | ||
| Average total assets | $197,904,500 | 3,221 |
| Average earning assets | $179,922,500 | 3,236 |
| Average equity | $13,320,750 | 4,452 |
| Average total loans | $105,338,000 | 3,842 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6090% | 4,027 |
| Cost of funding earning assets | 1.2148% | 7,063 |
| Net interest margin | 4.3942% | 1,422 |
| Noninterest income to average assets | 0.9823% | 1,656 |
| Noninterest expense to average assets | 4.0441% | 1,255 |
| Loan and lease loss provision to assets | 0.0502% | 6,728 |
| Net operating income to assets | 0.6937% | 3,285 |
| Return on assets (ROA) | 0.5937% | 3,808 |
| Pretax return on assets | 0.7619% | 3,797 |
| Return on Equity (ROE) | 9.0396% | 2,346 |
| Retained earnings to average equity (ytd only) | 6.5728% | 1,757 |
| Net charge-offs to loans | 0.1236% | 4,926 |
| Credit loss provision to net charge-offs | 75.3846% | 5,311 |
| Earnings coverage of net charge-offs (x) | 14.1077% | 1,682 |
| Efficiency ratio | 81.1356% | 2,863 |
| Assets per employee ($millions) | 2.6734% | 6,896 |
| Cash dividends to net income (ytd only)* | 27.2884% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 2,532 |
| Loan loss allowance to noncurrent loans | 142.6031% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 5,829 |
| Noncurrent loans to loans | 1.1555% | 4,903 |
| Net loans and leases to total assets | 53.9497% | 6,458 |
| Net loans and leases to deposits | 64.9637% | 6,476 |
| Net loans and leases to core deposits | 73.6384% | 6,812 |
| Total domestic deposits to total assets | 83.0459% | 4,216 |
| Equity capital to assets | 6.8699% | 7,673 |
| Core capital (leverage) ratio | 8.1739% | 6,021 |
| Tier 1 risk-based capital ratio | 12.1888% | 4,766 |
| Total risk-based capital ratio | 13.4404% | 4,673 |
| Memoranda: | ||
| Average total assets | $195,048,330 | 3,280 |
| Average earning assets | $177,644,330 | 3,290 |
| Average equity | $12,810,330 | 4,594 |
| Average total loans | $105,180,670 | 3,888 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6115% | 4,287 |
| Cost of funding earning assets | 1.2993% | 7,013 |
| Net interest margin | 4.3122% | 1,570 |
| Noninterest income to average assets | 0.9498% | 1,641 |
| Noninterest expense to average assets | 4.0083% | 1,175 |
| Loan and lease loss provision to assets | 0.0431% | 6,434 |
| Net operating income to assets | 0.6277% | 3,898 |
| Return on assets (ROA) | 0.6277% | 4,078 |
| Pretax return on assets | 0.8267% | 3,985 |
| Return on Equity (ROE) | 9.7826% | 2,413 |
| Retained earnings to average equity (ytd only) | 7.2570% | 2,110 |
| Net charge-offs to loans | 0.1151% | 4,045 |
| Credit loss provision to net charge-offs | 70.0000% | 4,352 |
| Earnings coverage of net charge-offs (x) | 14.1333% | 1,693 |
| Efficiency ratio | 82.1699% | 2,510 |
| Assets per employee ($millions) | 2.7369% | 6,790 |
| Cash dividends to net income (ytd only)* | 25.8170% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 2,114 |
| Loan loss allowance to noncurrent loans | 140.2217% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6499% | 5,536 |
| Noncurrent loans to loans | 1.2185% | 4,536 |
| Net loans and leases to total assets | 52.4271% | 6,639 |
| Net loans and leases to deposits | 62.7382% | 6,673 |
| Net loans and leases to core deposits | 71.2658% | 6,947 |
| Total domestic deposits to total assets | 83.5650% | 3,893 |
| Equity capital to assets | 6.5618% | 7,851 |
| Core capital (leverage) ratio | 7.9012% | 6,615 |
| Tier 1 risk-based capital ratio | 12.3059% | 4,701 |
| Total risk-based capital ratio | 13.5576% | 4,617 |
| Memoranda: | ||
| Average total assets | $194,994,500 | 3,296 |
| Average earning assets | $177,636,500 | 3,310 |
| Average equity | $12,512,000 | 4,701 |
| Average total loans | $104,246,000 | 3,929 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1782% | 4,625 |
| Cost of funding earning assets | 1.7865% | 7,041 |
| Net interest margin | 4.3917% | 1,711 |
| Noninterest income to average assets | 0.9681% | 1,696 |
| Noninterest expense to average assets | 3.8778% | 1,600 |
| Loan and lease loss provision to assets | 0.1779% | 5,115 |
| Net operating income to assets | 0.6462% | 4,122 |
| Return on assets (ROA) | 0.5893% | 4,222 |
| Pretax return on assets | 0.7860% | 4,123 |
| Return on Equity (ROE) | 8.3295% | 2,928 |
| Retained earnings to average equity (ytd only) | 5.1782% | 1,915 |
| Net charge-offs to loans | 0.1636% | 4,562 |
| Credit loss provision to net charge-offs | 209.8765% | 2,297 |
| Earnings coverage of net charge-offs (x) | 12.2654% | 2,267 |
| Efficiency ratio | 78.8550% | 2,781 |
| Assets per employee ($millions) | 2.6441% | 6,904 |
| Cash dividends to net income (ytd only)* | 37.8330% | 3,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 1,916 |
| Loan loss allowance to noncurrent loans | 134.8485% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6746% | 5,197 |
| Noncurrent loans to loans | 1.2590% | 3,995 |
| Net loans and leases to total assets | 52.6729% | 6,779 |
| Net loans and leases to deposits | 64.2457% | 6,768 |
| Net loans and leases to core deposits | 75.8910% | 6,865 |
| Total domestic deposits to total assets | 81.9867% | 4,206 |
| Equity capital to assets | 6.2724% | 8,001 |
| Core capital (leverage) ratio | 7.9000% | 6,650 |
| Tier 1 risk-based capital ratio | 11.9338% | 4,878 |
| Total risk-based capital ratio | 13.1825% | 4,762 |
| Memoranda: | ||
| Average total assets | $191,090,000 | 3,258 |
| Average earning assets | $171,845,800 | 3,309 |
| Average equity | $13,518,200 | 4,448 |
| Average total loans | $99,022,800 | 3,976 |