Home > Community Bank > Performance and Condition Ratios
Community 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 | 4.8823% | 2,319 |
| Cost of funding earning assets | 0.6627% | 3,981 |
| Net interest margin | 4.2195% | 907 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 1.6573% | 4,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.7554% | 195 |
| Return on assets (ROA) | 2.7554% | 194 |
| Pretax return on assets | 2.7554% | 264 |
| Return on Equity (ROE) | 26.6900% | 260 |
| Retained earnings to average equity (ytd only) | 6.9035% | 1,920 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 37.5568% | 4,408 |
| Assets per employee ($millions) | 8.0202% | 1,425 |
| Cash dividends to net income (ytd only)* | 74.1336% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 2,806 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.0100% | 763 |
| Net loans and leases to deposits | 87.9333% | 1,442 |
| Net loans and leases to core deposits | 96.0659% | 1,652 |
| Total domestic deposits to total assets | 89.8500% | 800 |
| Equity capital to assets | 10.1049% | 1,945 |
| Core capital (leverage) ratio | 10.3472% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $289,032,200 | 2,479 |
| Average earning assets | $280,955,400 | 2,410 |
| Average equity | $29,840,000 | 2,264 |
| Average total loans | $223,318,600 | 2,139 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7864% | 2,296 |
| Cost of funding earning assets | 0.5811% | 4,005 |
| Net interest margin | 4.2053% | 917 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 1.6393% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.7632% | 210 |
| Return on assets (ROA) | 2.7632% | 209 |
| Pretax return on assets | 2.7632% | 292 |
| Return on Equity (ROE) | 26.6200% | 322 |
| Retained earnings to average equity (ytd only) | 13.3806% | 760 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 37.2363% | 4,422 |
| Assets per employee ($millions) | 7.7883% | 1,452 |
| Cash dividends to net income (ytd only)* | 49.7311% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 2,556 |
| Loan loss allowance to noncurrent loans | 2,015.3846% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 3,340 |
| Noncurrent loans to loans | 0.0577% | 3,340 |
| Net loans and leases to total assets | 79.4300% | 715 |
| Net loans and leases to deposits | 89.3877% | 1,278 |
| Net loans and leases to core deposits | 97.6238% | 1,468 |
| Total domestic deposits to total assets | 88.8600% | 1,300 |
| Equity capital to assets | 11.0272% | 1,335 |
| Core capital (leverage) ratio | 10.9280% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $287,103,250 | 2,488 |
| Average earning assets | $279,008,000 | 2,421 |
| Average equity | $29,803,500 | 2,259 |
| Average total loans | $219,876,500 | 2,157 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 2,326 |
| Cost of funding earning assets | 0.4758% | 4,025 |
| Net interest margin | 4.1672% | 974 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.6403% | 4,221 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.7199% | 194 |
| Return on assets (ROA) | 2.7199% | 193 |
| Pretax return on assets | 2.7199% | 278 |
| Return on Equity (ROE) | 26.7400% | 298 |
| Retained earnings to average equity (ytd only) | 16.8796% | 399 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 37.6189% | 4,437 |
| Assets per employee ($millions) | 7.8316% | 1,400 |
| Cash dividends to net income (ytd only)* | 36.8742% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 2,614 |
| Loan loss allowance to noncurrent loans | 18,714.2857% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 3,824 |
| Noncurrent loans to loans | 0.0062% | 3,759 |
| Net loans and leases to total assets | 78.7200% | 763 |
| Net loans and leases to deposits | 88.3086% | 1,315 |
| Net loans and leases to core deposits | 95.4669% | 1,495 |
| Total domestic deposits to total assets | 89.1400% | 1,201 |
| Equity capital to assets | 10.7857% | 1,469 |
| Core capital (leverage) ratio | 10.7278% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $289,344,667 | 2,487 |
| Average earning assets | $281,195,333 | 2,415 |
| Average equity | $29,432,000 | 2,286 |
| Average total loans | $218,057,333 | 2,167 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 2,227 |
| Cost of funding earning assets | 0.3986% | 3,970 |
| Net interest margin | 4.1392% | 1,047 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 1.5711% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.7763% | 189 |
| Return on assets (ROA) | 2.7763% | 184 |
| Pretax return on assets | 2.7763% | 259 |
| Return on Equity (ROE) | 28.1100% | 285 |
| Retained earnings to average equity (ytd only) | 28.1099% | 133 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 36.1381% | 4,538 |
| Assets per employee ($millions) | 8.1888% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,501 |
| Loan loss allowance to noncurrent loans | 1,310.5000% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,100 |
| Noncurrent loans to loans | 0.0923% | 3,089 |
| Net loans and leases to total assets | 74.6700% | 1,119 |
| Net loans and leases to deposits | 83.4243% | 1,540 |
| Net loans and leases to core deposits | 88.5571% | 1,705 |
| Total domestic deposits to total assets | 89.5100% | 1,339 |
| Equity capital to assets | 10.4536% | 1,586 |
| Core capital (leverage) ratio | 10.1639% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $293,048,500 | 2,501 |
| Average earning assets | $284,984,500 | 2,427 |
| Average equity | $28,943,500 | 2,336 |
| Average total loans | $214,811,000 | 2,204 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6195% | 2,742 |
| Cost of funding earning assets | 0.1956% | 3,793 |
| Net interest margin | 3.4239% | 2,173 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.5021% | 4,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.1115% | 243 |
| Return on assets (ROA) | 2.1115% | 235 |
| Pretax return on assets | 2.1115% | 373 |
| Return on Equity (ROE) | 21.4700% | 367 |
| Retained earnings to average equity (ytd only) | 2.1591% | 3,947 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.5684% | 4,501 |
| Assets per employee ($millions) | 8.0943% | 1,271 |
| Cash dividends to net income (ytd only)* | 89.9426% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 2,247 |
| Loan loss allowance to noncurrent loans | 1,899.2754% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 3,349 |
| Noncurrent loans to loans | 0.0648% | 3,277 |
| Net loans and leases to total assets | 70.2400% | 1,617 |
| Net loans and leases to deposits | 77.4737% | 1,999 |
| Net loans and leases to core deposits | 82.4146% | 1,978 |
| Total domestic deposits to total assets | 90.6700% | 1,073 |
| Equity capital to assets | 9.3246% | 2,131 |
| Core capital (leverage) ratio | 9.5769% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $288,657,600 | 2,507 |
| Average earning assets | $280,092,400 | 2,443 |
| Average equity | $28,391,400 | 2,409 |
| Average total loans | $205,586,200 | 2,191 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4280% | 2,839 |
| Cost of funding earning assets | 0.1596% | 3,730 |
| Net interest margin | 3.2684% | 2,396 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.4506% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0129% | 280 |
| Return on assets (ROA) | 2.0129% | 282 |
| Pretax return on assets | 2.0129% | 454 |
| Return on Equity (ROE) | 20.1900% | 420 |
| Retained earnings to average equity (ytd only) | 9.0453% | 1,634 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.8821% | 4,523 |
| Assets per employee ($millions) | 8.4405% | 1,098 |
| Cash dividends to net income (ytd only)* | 55.2004% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,280 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 70.3200% | 1,453 |
| Net loans and leases to deposits | 78.1053% | 1,695 |
| Net loans and leases to core deposits | 83.3561% | 1,699 |
| Total domestic deposits to total assets | 90.0400% | 1,638 |
| Equity capital to assets | 9.9002% | 1,670 |
| Core capital (leverage) ratio | 9.7995% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $285,950,000 | 2,540 |
| Average earning assets | $277,317,500 | 2,473 |
| Average equity | $28,507,750 | 2,437 |
| Average total loans | $203,736,250 | 2,202 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2441% | 2,911 |
| Cost of funding earning assets | 0.1292% | 3,848 |
| Net interest margin | 3.1149% | 2,488 |
| Noninterest income to average assets | 0.2907% | 3,428 |
| Noninterest expense to average assets | 1.4201% | 4,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8883% | 276 |
| Return on assets (ROA) | 1.8883% | 275 |
| Pretax return on assets | 1.8883% | 478 |
| Return on Equity (ROE) | 18.8951% | 394 |
| Retained earnings to average equity (ytd only) | 10.8629% | 805 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9243% | 4,542 |
| Assets per employee ($millions) | 8.7933% | 959 |
| Cash dividends to net income (ytd only)* | 42.5094% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 2,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 65.2738% | 1,781 |
| Net loans and leases to deposits | 72.2806% | 2,005 |
| Net loans and leases to core deposits | 77.0389% | 1,919 |
| Total domestic deposits to total assets | 90.3061% | 1,578 |
| Equity capital to assets | 9.6490% | 1,909 |
| Core capital (leverage) ratio | 9.8502% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,793,667 | 2,573 |
| Average earning assets | $273,974,667 | 2,515 |
| Average equity | $28,261,333 | 2,509 |
| Average total loans | $201,526,000 | 2,222 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2447% | 2,551 |
| Cost of funding earning assets | 0.1129% | 3,973 |
| Net interest margin | 3.1318% | 2,079 |
| Noninterest income to average assets | 0.3058% | 3,276 |
| Noninterest expense to average assets | 1.4270% | 4,505 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.9075% | 264 |
| Return on assets (ROA) | 1.9075% | 264 |
| Pretax return on assets | 1.9075% | 439 |
| Return on Equity (ROE) | 18.7357% | 293 |
| Retained earnings to average equity (ytd only) | 18.7357% | 125 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7948% | 4,589 |
| Assets per employee ($millions) | 9.6882% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 67.6630% | 1,246 |
| Net loans and leases to deposits | 75.0767% | 1,519 |
| Net loans and leases to core deposits | 80.5943% | 1,443 |
| Total domestic deposits to total assets | 90.1251% | 1,490 |
| Equity capital to assets | 9.8481% | 2,006 |
| Core capital (leverage) ratio | 10.6488% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,704,000 | 2,632 |
| Average earning assets | $265,665,500 | 2,579 |
| Average equity | $27,968,000 | 2,610 |
| Average total loans | $203,403,000 | 2,200 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6273% | 2,314 |
| Cost of funding earning assets | 0.1192% | 4,230 |
| Net interest margin | 3.5082% | 1,709 |
| Noninterest income to average assets | 0.3248% | 3,460 |
| Noninterest expense to average assets | 1.6307% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.0772% | 298 |
| Return on assets (ROA) | 2.0772% | 311 |
| Pretax return on assets | 2.0772% | 523 |
| Return on Equity (ROE) | 18.8839% | 387 |
| Retained earnings to average equity (ytd only) | 2.9236% | 3,662 |
| Net charge-offs to loans | -0.0005% | 3,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9793% | 4,576 |
| Assets per employee ($millions) | 6.6349% | 2,207 |
| Cash dividends to net income (ytd only)* | 84.5179% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 2,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 79.1864% | 311 |
| Net loans and leases to deposits | 88.5398% | 626 |
| Net loans and leases to core deposits | 95.6744% | 709 |
| Total domestic deposits to total assets | 89.4359% | 1,277 |
| Equity capital to assets | 10.5552% | 2,122 |
| Core capital (leverage) ratio | 10.5129% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,630,800 | 2,723 |
| Average earning assets | $241,693,000 | 2,671 |
| Average equity | $27,568,400 | 2,678 |
| Average total loans | $193,443,200 | 2,281 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6552% | 2,398 |
| Cost of funding earning assets | 0.1246% | 4,310 |
| Net interest margin | 3.5306% | 1,782 |
| Noninterest income to average assets | 0.3245% | 3,486 |
| Noninterest expense to average assets | 1.5816% | 4,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1464% | 354 |
| Return on assets (ROA) | 2.1464% | 374 |
| Pretax return on assets | 2.1464% | 614 |
| Return on Equity (ROE) | 19.3103% | 483 |
| Retained earnings to average equity (ytd only) | 8.3330% | 1,937 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4256% | 4,648 |
| Assets per employee ($millions) | 7.6158% | 1,499 |
| Cash dividends to net income (ytd only)* | 56.8466% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 2,454 |
| Loan loss allowance to noncurrent loans | 3,011.4943% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 3,934 |
| Noncurrent loans to loans | 0.0434% | 3,900 |
| Net loans and leases to total assets | 76.4254% | 518 |
| Net loans and leases to deposits | 85.8478% | 834 |
| Net loans and leases to core deposits | 92.6543% | 891 |
| Total domestic deposits to total assets | 89.0243% | 1,261 |
| Equity capital to assets | 10.9039% | 2,084 |
| Core capital (leverage) ratio | 10.9213% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,597,750 | 2,756 |
| Average earning assets | $239,651,750 | 2,703 |
| Average equity | $27,632,250 | 2,703 |
| Average total loans | $189,922,500 | 2,342 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6608% | 2,436 |
| Cost of funding earning assets | 0.1353% | 4,313 |
| Net interest margin | 3.5255% | 1,786 |
| Noninterest income to average assets | 0.3247% | 3,479 |
| Noninterest expense to average assets | 1.6015% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1236% | 384 |
| Return on assets (ROA) | 2.1236% | 406 |
| Pretax return on assets | 2.1236% | 658 |
| Return on Equity (ROE) | 18.9781% | 547 |
| Retained earnings to average equity (ytd only) | 11.1914% | 1,080 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9917% | 4,661 |
| Assets per employee ($millions) | 6.4259% | 2,217 |
| Cash dividends to net income (ytd only)* | 41.0296% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 2,095 |
| Loan loss allowance to noncurrent loans | 3,046.5116% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 4,027 |
| Noncurrent loans to loans | 0.0451% | 3,959 |
| Net loans and leases to total assets | 73.2397% | 833 |
| Net loans and leases to deposits | 82.2887% | 1,198 |
| Net loans and leases to core deposits | 88.6876% | 1,225 |
| Total domestic deposits to total assets | 89.0034% | 1,281 |
| Equity capital to assets | 10.9102% | 2,062 |
| Core capital (leverage) ratio | 11.2380% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,151,667 | 2,773 |
| Average earning assets | $236,449,333 | 2,712 |
| Average equity | $27,431,667 | 2,706 |
| Average total loans | $186,392,333 | 2,381 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6099% | 2,610 |
| Cost of funding earning assets | 0.1422% | 4,366 |
| Net interest margin | 3.4677% | 1,913 |
| Noninterest income to average assets | 0.3411% | 3,391 |
| Noninterest expense to average assets | 1.6120% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0735% | 517 |
| Return on assets (ROA) | 2.0735% | 553 |
| Pretax return on assets | 2.0735% | 839 |
| Return on Equity (ROE) | 18.2850% | 695 |
| Retained earnings to average equity (ytd only) | 18.2850% | 353 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7387% | 4,597 |
| Assets per employee ($millions) | 6.3468% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 1,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 76.2217% | 614 |
| Net loans and leases to deposits | 86.2270% | 949 |
| Net loans and leases to core deposits | 92.8936% | 1,048 |
| Total domestic deposits to total assets | 88.3965% | 1,657 |
| Equity capital to assets | 11.5044% | 1,542 |
| Core capital (leverage) ratio | 11.8061% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,210,500 | 2,804 |
| Average earning assets | $230,701,000 | 2,743 |
| Average equity | $27,126,000 | 2,723 |
| Average total loans | $184,153,000 | 2,407 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1932% | 2,156 |
| Cost of funding earning assets | 0.3197% | 4,030 |
| Net interest margin | 3.8735% | 1,295 |
| Noninterest income to average assets | 0.3735% | 3,244 |
| Noninterest expense to average assets | 1.7211% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.3809% | 156 |
| Return on assets (ROA) | 2.3809% | 167 |
| Pretax return on assets | 2.3809% | 225 |
| Return on Equity (ROE) | 20.6867% | 203 |
| Retained earnings to average equity (ytd only) | 6.5591% | 1,565 |
| Net charge-offs to loans | 0.0011% | 3,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 2,715.5000% | 33 |
| Efficiency ratio | 41.9579% | 4,836 |
| Assets per employee ($millions) | 6.0832% | 2,269 |
| Cash dividends to net income (ytd only)* | 68.2931% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 1,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 75.5508% | 836 |
| Net loans and leases to deposits | 85.0817% | 1,339 |
| Net loans and leases to core deposits | 92.7201% | 1,326 |
| Total domestic deposits to total assets | 88.7980% | 1,074 |
| Equity capital to assets | 11.1725% | 2,118 |
| Core capital (leverage) ratio | 11.1802% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,104,200 | 2,731 |
| Average earning assets | $219,568,400 | 2,675 |
| Average equity | $26,253,600 | 2,728 |
| Average total loans | $184,054,600 | 2,377 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 2,289 |
| Cost of funding earning assets | 0.3639% | 3,981 |
| Net interest margin | 3.8726% | 1,422 |
| Noninterest income to average assets | 0.3844% | 3,161 |
| Noninterest expense to average assets | 1.6939% | 4,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.4160% | 159 |
| Return on assets (ROA) | 2.4160% | 168 |
| Pretax return on assets | 2.4160% | 242 |
| Return on Equity (ROE) | 20.8315% | 211 |
| Retained earnings to average equity (ytd only) | 11.7953% | 458 |
| Net charge-offs to loans | 0.0022% | 3,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 1,364.0000% | 86 |
| Efficiency ratio | 41.2153% | 4,865 |
| Assets per employee ($millions) | 6.6187% | 1,739 |
| Cash dividends to net income (ytd only)* | 43.3773% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 1,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 75.7413% | 1,133 |
| Net loans and leases to deposits | 85.6380% | 1,746 |
| Net loans and leases to core deposits | 93.5776% | 1,672 |
| Total domestic deposits to total assets | 88.4435% | 995 |
| Equity capital to assets | 11.3739% | 2,101 |
| Core capital (leverage) ratio | 11.4275% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,819,500 | 2,727 |
| Average earning assets | $217,249,250 | 2,678 |
| Average equity | $26,190,500 | 2,718 |
| Average total loans | $184,603,750 | 2,375 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 2,160 |
| Cost of funding earning assets | 0.4249% | 3,925 |
| Net interest margin | 3.9941% | 1,336 |
| Noninterest income to average assets | 0.3862% | 3,165 |
| Noninterest expense to average assets | 1.7386% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.4893% | 142 |
| Return on assets (ROA) | 2.4893% | 155 |
| Pretax return on assets | 2.4893% | 217 |
| Return on Equity (ROE) | 21.3157% | 189 |
| Retained earnings to average equity (ytd only) | 14.7410% | 235 |
| Net charge-offs to loans | 0.0011% | 2,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2,759.0000% | 29 |
| Efficiency ratio | 41.1225% | 4,885 |
| Assets per employee ($millions) | 6.0394% | 2,152 |
| Cash dividends to net income (ytd only)* | 30.8445% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 1,522 |
| Loan loss allowance to noncurrent loans | 1,290.6404% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 4,097 |
| Noncurrent loans to loans | 0.1099% | 4,017 |
| Net loans and leases to total assets | 77.3079% | 952 |
| Net loans and leases to deposits | 87.3659% | 1,620 |
| Net loans and leases to core deposits | 96.1445% | 1,571 |
| Total domestic deposits to total assets | 88.4875% | 950 |
| Equity capital to assets | 11.3325% | 2,101 |
| Core capital (leverage) ratio | 11.3263% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,668,333 | 2,743 |
| Average earning assets | $213,216,667 | 2,684 |
| Average equity | $25,887,000 | 2,728 |
| Average total loans | $185,108,333 | 2,358 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 1,879 |
| Cost of funding earning assets | 0.4999% | 3,947 |
| Net interest margin | 4.1427% | 1,045 |
| Noninterest income to average assets | 0.4210% | 2,964 |
| Noninterest expense to average assets | 1.7938% | 4,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.6097% | 99 |
| Return on assets (ROA) | 2.6097% | 100 |
| Pretax return on assets | 2.6097% | 139 |
| Return on Equity (ROE) | 21.9898% | 112 |
| Retained earnings to average equity (ytd only) | 21.9898% | 44 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7360% | 4,972 |
| Assets per employee ($millions) | 5.9995% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 1,541 |
| Loan loss allowance to noncurrent loans | 43,683.3333% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,635 |
| Noncurrent loans to loans | 0.0033% | 4,568 |
| Net loans and leases to total assets | 82.9031% | 361 |
| Net loans and leases to deposits | 94.3925% | 1,044 |
| Net loans and leases to core deposits | 104.8104% | 1,130 |
| Total domestic deposits to total assets | 87.8281% | 1,172 |
| Equity capital to assets | 12.1238% | 1,979 |
| Core capital (leverage) ratio | 11.9436% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,734,500 | 2,752 |
| Average earning assets | $206,433,500 | 2,693 |
| Average equity | $25,484,500 | 2,746 |
| Average total loans | $185,308,500 | 2,305 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 2,799 |
| Cost of funding earning assets | 0.4642% | 4,227 |
| Net interest margin | 4.0798% | 1,594 |
| Noninterest income to average assets | 0.4230% | 3,158 |
| Noninterest expense to average assets | 1.8325% | 4,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.5205% | 131 |
| Return on assets (ROA) | 2.5205% | 139 |
| Pretax return on assets | 2.5205% | 203 |
| Return on Equity (ROE) | 22.7614% | 123 |
| Retained earnings to average equity (ytd only) | 8.4716% | 839 |
| Net charge-offs to loans | -0.0017% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0964% | 5,026 |
| Assets per employee ($millions) | 5.7699% | 1,816 |
| Cash dividends to net income (ytd only)* | 62.7806% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 1,570 |
| Loan loss allowance to noncurrent loans | 65,525.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,684 |
| Noncurrent loans to loans | 0.0021% | 4,599 |
| Net loans and leases to total assets | 87.2742% | 110 |
| Net loans and leases to deposits | 98.7602% | 696 |
| Net loans and leases to core deposits | 110.4885% | 825 |
| Total domestic deposits to total assets | 88.3698% | 953 |
| Equity capital to assets | 11.6091% | 2,423 |
| Core capital (leverage) ratio | 11.2014% | 2,335 |
| Tier 1 risk-based capital ratio | 15.0734% | 2,757 |
| Total risk-based capital ratio | 16.3275% | 2,678 |
| Memoranda: | ||
| Average total assets | $219,160,000 | 2,668 |
| Average earning assets | $211,115,000 | 2,595 |
| Average equity | $24,269,200 | 2,769 |
| Average total loans | $180,363,200 | 2,311 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 3,101 |
| Cost of funding earning assets | 0.4530% | 4,315 |
| Net interest margin | 4.0335% | 1,823 |
| Noninterest income to average assets | 0.4237% | 3,185 |
| Noninterest expense to average assets | 1.7971% | 4,818 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.5127% | 158 |
| Return on assets (ROA) | 2.5127% | 168 |
| Pretax return on assets | 2.5127% | 243 |
| Return on Equity (ROE) | 22.9595% | 134 |
| Retained earnings to average equity (ytd only) | 13.3162% | 249 |
| Net charge-offs to loans | -0.0022% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6971% | 5,088 |
| Assets per employee ($millions) | 5.9630% | 1,630 |
| Cash dividends to net income (ytd only)* | 42.0014% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 1,419 |
| Loan loss allowance to noncurrent loans | 1,416.7568% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 4,300 |
| Noncurrent loans to loans | 0.1018% | 4,187 |
| Net loans and leases to total assets | 81.1958% | 686 |
| Net loans and leases to deposits | 91.7591% | 1,470 |
| Net loans and leases to core deposits | 101.6356% | 1,535 |
| Total domestic deposits to total assets | 88.4881% | 833 |
| Equity capital to assets | 11.3950% | 2,742 |
| Core capital (leverage) ratio | 11.2184% | 2,454 |
| Tier 1 risk-based capital ratio | 15.8734% | 2,483 |
| Total risk-based capital ratio | 17.1280% | 2,417 |
| Memoranda: | ||
| Average total assets | $220,578,000 | 2,677 |
| Average earning assets | $212,512,500 | 2,609 |
| Average equity | $24,140,500 | 2,796 |
| Average total loans | $178,218,750 | 2,364 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4142% | 3,296 |
| Cost of funding earning assets | 0.4254% | 4,413 |
| Net interest margin | 3.9888% | 1,957 |
| Noninterest income to average assets | 0.4316% | 3,056 |
| Noninterest expense to average assets | 1.7746% | 4,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.5000% | 154 |
| Return on assets (ROA) | 2.5000% | 158 |
| Pretax return on assets | 2.5000% | 242 |
| Return on Equity (ROE) | 23.1613% | 136 |
| Retained earnings to average equity (ytd only) | 15.7013% | 141 |
| Net charge-offs to loans | -0.0034% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5146% | 5,128 |
| Assets per employee ($millions) | 6.0098% | 1,539 |
| Cash dividends to net income (ytd only)* | 32.2089% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 1,344 |
| Loan loss allowance to noncurrent loans | 9,707.4074% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 4,735 |
| Noncurrent loans to loans | 0.0152% | 4,650 |
| Net loans and leases to total assets | 78.6956% | 1,088 |
| Net loans and leases to deposits | 88.5549% | 1,933 |
| Net loans and leases to core deposits | 97.4467% | 1,934 |
| Total domestic deposits to total assets | 88.8664% | 720 |
| Equity capital to assets | 11.0617% | 2,986 |
| Core capital (leverage) ratio | 11.2154% | 2,406 |
| Tier 1 risk-based capital ratio | 15.6424% | 2,567 |
| Total risk-based capital ratio | 16.8984% | 2,497 |
| Memoranda: | ||
| Average total assets | $220,560,000 | 2,687 |
| Average earning assets | $212,497,000 | 2,618 |
| Average equity | $23,807,000 | 2,816 |
| Average total loans | $177,036,670 | 2,376 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 3,466 |
| Cost of funding earning assets | 0.4119% | 4,441 |
| Net interest margin | 3.9185% | 2,135 |
| Noninterest income to average assets | 0.4534% | 2,838 |
| Noninterest expense to average assets | 1.7445% | 4,973 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.4857% | 165 |
| Return on assets (ROA) | 2.4857% | 175 |
| Pretax return on assets | 2.4857% | 255 |
| Return on Equity (ROE) | 23.3214% | 138 |
| Retained earnings to average equity (ytd only) | 23.3214% | 61 |
| Net charge-offs to loans | -0.0068% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2398% | 5,183 |
| Assets per employee ($millions) | 5.7828% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 1,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 79.6783% | 877 |
| Net loans and leases to deposits | 89.5326% | 1,684 |
| Net loans and leases to core deposits | 98.0578% | 1,769 |
| Total domestic deposits to total assets | 88.9936% | 860 |
| Equity capital to assets | 10.9650% | 2,888 |
| Core capital (leverage) ratio | 11.1114% | 2,465 |
| Tier 1 risk-based capital ratio | 15.3786% | 2,714 |
| Total risk-based capital ratio | 16.6334% | 2,624 |
| Memoranda: | ||
| Average total assets | $219,659,000 | 2,726 |
| Average earning assets | $211,713,500 | 2,652 |
| Average equity | $23,412,000 | 2,849 |
| Average total loans | $176,750,000 | 2,401 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 3,481 |
| Cost of funding earning assets | 0.3421% | 4,333 |
| Net interest margin | 3.8415% | 2,529 |
| Noninterest income to average assets | 0.4239% | 3,282 |
| Noninterest expense to average assets | 1.7642% | 5,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.3573% | 194 |
| Return on assets (ROA) | 2.3573% | 188 |
| Pretax return on assets | 2.3573% | 269 |
| Return on Equity (ROE) | 22.9335% | 130 |
| Retained earnings to average equity (ytd only) | 6.9535% | 1,692 |
| Net charge-offs to loans | 0.0017% | 3,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1,718.3333% | 62 |
| Efficiency ratio | 42.8048% | 5,217 |
| Assets per employee ($millions) | 6.0993% | 1,458 |
| Cash dividends to net income (ytd only)* | 69.6799% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 1,331 |
| Loan loss allowance to noncurrent loans | 8,181.2500% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 4,821 |
| Noncurrent loans to loans | 0.0182% | 4,713 |
| Net loans and leases to total assets | 78.8676% | 1,125 |
| Net loans and leases to deposits | 87.9912% | 2,043 |
| Net loans and leases to core deposits | 96.1500% | 2,054 |
| Total domestic deposits to total assets | 89.6312% | 609 |
| Equity capital to assets | 10.3515% | 3,325 |
| Core capital (leverage) ratio | 10.5035% | 3,024 |
| Tier 1 risk-based capital ratio | 14.6937% | 2,967 |
| Total risk-based capital ratio | 15.9492% | 2,894 |
| Memoranda: | ||
| Average total assets | $218,680,600 | 2,697 |
| Average earning assets | $210,492,200 | 2,633 |
| Average equity | $22,478,000 | 2,864 |
| Average total loans | $172,760,800 | 2,414 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1343% | 3,518 |
| Cost of funding earning assets | 0.3280% | 4,321 |
| Net interest margin | 3.8063% | 2,621 |
| Noninterest income to average assets | 0.4248% | 3,325 |
| Noninterest expense to average assets | 1.7339% | 5,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.3528% | 203 |
| Return on assets (ROA) | 2.3528% | 201 |
| Pretax return on assets | 2.3528% | 307 |
| Return on Equity (ROE) | 22.9302% | 135 |
| Retained earnings to average equity (ytd only) | 12.4793% | 421 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4283% | 5,262 |
| Assets per employee ($millions) | 6.6681% | 1,104 |
| Cash dividends to net income (ytd only)* | 45.5772% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5176% | 1,285 |
| Loan loss allowance to noncurrent loans | 1,105.4852% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 4,413 |
| Noncurrent loans to loans | 0.1373% | 4,266 |
| Net loans and leases to total assets | 79.6826% | 1,067 |
| Net loans and leases to deposits | 89.5260% | 1,957 |
| Net loans and leases to core deposits | 97.3496% | 1,985 |
| Total domestic deposits to total assets | 89.0050% | 844 |
| Equity capital to assets | 10.9031% | 2,746 |
| Core capital (leverage) ratio | 10.8703% | 2,703 |
| Tier 1 risk-based capital ratio | 15.6682% | 2,578 |
| Total risk-based capital ratio | 16.9182% | 2,520 |
| Memoranda: | ||
| Average total assets | $218,457,500 | 2,721 |
| Average earning assets | $210,170,750 | 2,650 |
| Average equity | $22,415,250 | 2,885 |
| Average total loans | $172,003,500 | 2,434 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 3,628 |
| Cost of funding earning assets | 0.3181% | 4,282 |
| Net interest margin | 3.7270% | 2,836 |
| Noninterest income to average assets | 0.4261% | 3,318 |
| Noninterest expense to average assets | 1.7216% | 5,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.2921% | 212 |
| Return on assets (ROA) | 2.2921% | 207 |
| Pretax return on assets | 2.2921% | 334 |
| Return on Equity (ROE) | 22.7996% | 137 |
| Retained earnings to average equity (ytd only) | 15.0280% | 199 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8927% | 5,314 |
| Assets per employee ($millions) | 5.9111% | 1,538 |
| Cash dividends to net income (ytd only)* | 34.0864% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 77.6072% | 1,378 |
| Net loans and leases to deposits | 86.7118% | 2,248 |
| Net loans and leases to core deposits | 94.2114% | 2,203 |
| Total domestic deposits to total assets | 89.5002% | 741 |
| Equity capital to assets | 10.4381% | 3,179 |
| Core capital (leverage) ratio | 10.3898% | 3,148 |
| Tier 1 risk-based capital ratio | 15.4840% | 2,644 |
| Total risk-based capital ratio | 16.7340% | 2,584 |
| Memoranda: | ||
| Average total assets | $220,150,330 | 2,727 |
| Average earning assets | $211,912,670 | 2,649 |
| Average equity | $22,132,000 | 2,915 |
| Average total loans | $171,789,330 | 2,437 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9458% | 3,798 |
| Cost of funding earning assets | 0.3029% | 4,331 |
| Net interest margin | 3.6428% | 3,016 |
| Noninterest income to average assets | 0.4473% | 3,132 |
| Noninterest expense to average assets | 1.7150% | 5,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.2384% | 232 |
| Return on assets (ROA) | 2.2384% | 232 |
| Pretax return on assets | 2.2384% | 353 |
| Return on Equity (ROE) | 22.6961% | 137 |
| Retained earnings to average equity (ytd only) | 22.6961% | 66 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3807% | 5,360 |
| Assets per employee ($millions) | 5.8679% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,312 |
| Loan loss allowance to noncurrent loans | 876.2542% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 4,421 |
| Noncurrent loans to loans | 0.1761% | 4,186 |
| Net loans and leases to total assets | 74.9772% | 1,707 |
| Net loans and leases to deposits | 83.3840% | 2,465 |
| Net loans and leases to core deposits | 89.2243% | 2,520 |
| Total domestic deposits to total assets | 89.9180% | 694 |
| Equity capital to assets | 10.0461% | 3,549 |
| Core capital (leverage) ratio | 10.3226% | 3,163 |
| Tier 1 risk-based capital ratio | 15.1023% | 2,828 |
| Total risk-based capital ratio | 16.3523% | 2,762 |
| Memoranda: | ||
| Average total assets | $220,871,000 | 2,748 |
| Average earning assets | $212,581,500 | 2,665 |
| Average equity | $21,783,500 | 2,972 |
| Average total loans | $171,506,500 | 2,453 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8590% | 3,855 |
| Cost of funding earning assets | 0.2985% | 4,159 |
| Net interest margin | 3.5605% | 3,300 |
| Noninterest income to average assets | 0.4504% | 3,308 |
| Noninterest expense to average assets | 1.6803% | 5,352 |
| Loan and lease loss provision to assets | 0.0135% | 4,022 |
| Net operating income to assets | 2.1843% | 198 |
| Return on assets (ROA) | 2.1843% | 199 |
| Pretax return on assets | 2.1843% | 323 |
| Return on Equity (ROE) | 22.7254% | 107 |
| Retained earnings to average equity (ytd only) | 3.9687% | 2,815 |
| Net charge-offs to loans | -0.5583% | 5,609 |
| Credit loss provision to net charge-offs | -3.1646% | 4,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3283% | 5,471 |
| Assets per employee ($millions) | 5.7569% | 1,703 |
| Cash dividends to net income (ytd only)* | 82.5361% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 1,361 |
| Loan loss allowance to noncurrent loans | 879.5302% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 4,455 |
| Noncurrent loans to loans | 0.1720% | 4,234 |
| Net loans and leases to total assets | 77.9787% | 1,290 |
| Net loans and leases to deposits | 87.0044% | 2,132 |
| Net loans and leases to core deposits | 93.0578% | 2,281 |
| Total domestic deposits to total assets | 89.6261% | 720 |
| Equity capital to assets | 9.6754% | 4,064 |
| Core capital (leverage) ratio | 9.5155% | 4,027 |
| Tier 1 risk-based capital ratio | 14.1637% | 3,275 |
| Total risk-based capital ratio | 15.4138% | 3,174 |
| Memoranda: | ||
| Average total assets | $222,043,000 | 2,710 |
| Average earning assets | $213,760,400 | 2,629 |
| Average equity | $21,341,800 | 3,008 |
| Average total loans | $169,792,800 | 2,421 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8089% | 3,979 |
| Cost of funding earning assets | 0.2951% | 4,176 |
| Net interest margin | 3.5138% | 3,453 |
| Noninterest income to average assets | 0.4158% | 3,587 |
| Noninterest expense to average assets | 1.6189% | 5,438 |
| Loan and lease loss provision to assets | 0.0179% | 3,789 |
| Net operating income to assets | 2.1621% | 235 |
| Return on assets (ROA) | 2.1621% | 237 |
| Pretax return on assets | 2.1621% | 396 |
| Return on Equity (ROE) | 22.5316% | 121 |
| Retained earnings to average equity (ytd only) | 10.2807% | 530 |
| Net charge-offs to loans | 0.0095% | 3,390 |
| Credit loss provision to net charge-offs | 250.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 303.6594% | 303 |
| Efficiency ratio | 42.6142% | 5,522 |
| Assets per employee ($millions) | 6.2258% | 1,361 |
| Cash dividends to net income (ytd only)* | 54.3718% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 4,079 |
| Loan loss allowance to noncurrent loans | 23,714.2857% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 5,253 |
| Noncurrent loans to loans | 0.0042% | 5,130 |
| Net loans and leases to total assets | 73.5361% | 1,990 |
| Net loans and leases to deposits | 82.2049% | 2,759 |
| Net loans and leases to core deposits | 87.5177% | 2,819 |
| Total domestic deposits to total assets | 89.4547% | 672 |
| Equity capital to assets | 9.8015% | 4,147 |
| Core capital (leverage) ratio | 9.8232% | 3,793 |
| Tier 1 risk-based capital ratio | 15.1941% | 2,840 |
| Total risk-based capital ratio | 16.3423% | 2,809 |
| Memoranda: | ||
| Average total assets | $222,863,500 | 2,724 |
| Average earning assets | $214,579,250 | 2,644 |
| Average equity | $21,385,750 | 3,031 |
| Average total loans | $168,939,000 | 2,450 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 3,972 |
| Cost of funding earning assets | 0.2924% | 4,156 |
| Net interest margin | 3.4855% | 3,460 |
| Noninterest income to average assets | 0.4244% | 3,531 |
| Noninterest expense to average assets | 1.5923% | 5,502 |
| Loan and lease loss provision to assets | 0.0270% | 3,460 |
| Net operating income to assets | 2.1597% | 229 |
| Return on assets (ROA) | 2.1597% | 235 |
| Pretax return on assets | 2.1597% | 384 |
| Return on Equity (ROE) | 22.6693% | 114 |
| Retained earnings to average equity (ytd only) | 13.5242% | 220 |
| Net charge-offs to loans | 0.0141% | 2,968 |
| Credit loss provision to net charge-offs | 250.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 202.6667% | 408 |
| Efficiency ratio | 42.1366% | 5,570 |
| Assets per employee ($millions) | 6.0897% | 1,393 |
| Cash dividends to net income (ytd only)* | 40.3414% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 4,226 |
| Loan loss allowance to noncurrent loans | 564.9660% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 4,682 |
| Noncurrent loans to loans | 0.1749% | 4,422 |
| Net loans and leases to total assets | 71.9125% | 2,216 |
| Net loans and leases to deposits | 86.4249% | 2,175 |
| Net loans and leases to core deposits | 92.0726% | 2,331 |
| Total domestic deposits to total assets | 83.2081% | 3,503 |
| Equity capital to assets | 9.3998% | 4,512 |
| Core capital (leverage) ratio | 9.6806% | 3,918 |
| Tier 1 risk-based capital ratio | 14.9034% | 2,971 |
| Total risk-based capital ratio | 16.0408% | 2,949 |
| Memoranda: | ||
| Average total assets | $222,442,000 | 2,745 |
| Average earning assets | $214,085,000 | 2,667 |
| Average equity | $21,191,670 | 3,051 |
| Average total loans | $169,760,330 | 2,445 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8026% | 3,756 |
| Cost of funding earning assets | 0.2843% | 4,206 |
| Net interest margin | 3.5183% | 3,207 |
| Noninterest income to average assets | 0.4478% | 3,325 |
| Noninterest expense to average assets | 1.6021% | 5,556 |
| Loan and lease loss provision to assets | 0.0551% | 2,705 |
| Net operating income to assets | 2.1747% | 234 |
| Return on assets (ROA) | 2.1747% | 240 |
| Pretax return on assets | 2.1747% | 367 |
| Return on Equity (ROE) | 22.6670% | 130 |
| Retained earnings to average equity (ytd only) | 22.6670% | 69 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8103% | 5,655 |
| Assets per employee ($millions) | 6.1745% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 4,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 75.4286% | 1,510 |
| Net loans and leases to deposits | 91.2666% | 1,401 |
| Net loans and leases to core deposits | 96.4668% | 1,786 |
| Total domestic deposits to total assets | 82.6464% | 3,961 |
| Equity capital to assets | 9.6742% | 4,096 |
| Core capital (leverage) ratio | 9.8049% | 3,749 |
| Tier 1 risk-based capital ratio | 14.9155% | 3,005 |
| Total risk-based capital ratio | 16.0759% | 2,980 |
| Memoranda: | ||
| Average total assets | $217,958,500 | 2,808 |
| Average earning assets | $209,646,000 | 2,727 |
| Average equity | $20,911,500 | 3,090 |
| Average total loans | $170,604,000 | 2,457 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9041% | 3,556 |
| Cost of funding earning assets | 0.2453% | 4,611 |
| Net interest margin | 3.6589% | 2,863 |
| Noninterest income to average assets | 0.4524% | 3,527 |
| Noninterest expense to average assets | 1.7042% | 5,565 |
| Loan and lease loss provision to assets | 0.2688% | 750 |
| Net operating income to assets | 2.0055% | 313 |
| Return on assets (ROA) | 2.0055% | 332 |
| Pretax return on assets | 2.0055% | 500 |
| Return on Equity (ROE) | 21.1684% | 173 |
| Retained earnings to average equity (ytd only) | 4.2171% | 2,908 |
| Net charge-offs to loans | 0.5641% | 414 |
| Credit loss provision to net charge-offs | 59.1837% | 3,261 |
| Earnings coverage of net charge-offs (x) | 5.0071% | 3,407 |
| Efficiency ratio | 42.8355% | 5,729 |
| Assets per employee ($millions) | 5.7739% | 1,641 |
| Cash dividends to net income (ytd only)* | 80.0786% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 4,548 |
| Loan loss allowance to noncurrent loans | 132.7141% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 2,996 |
| Noncurrent loans to loans | 0.7203% | 2,735 |
| Net loans and leases to total assets | 79.6816% | 937 |
| Net loans and leases to deposits | 95.4819% | 1,049 |
| Net loans and leases to core deposits | 102.9819% | 1,361 |
| Total domestic deposits to total assets | 83.4521% | 3,615 |
| Equity capital to assets | 9.5111% | 4,258 |
| Core capital (leverage) ratio | 9.4994% | 4,081 |
| Tier 1 risk-based capital ratio | 14.0138% | 3,457 |
| Total risk-based capital ratio | 15.1469% | 3,439 |
| Memoranda: | ||
| Average total assets | $215,757,600 | 2,797 |
| Average earning assets | $207,932,600 | 2,716 |
| Average equity | $20,440,800 | 3,127 |
| Average total loans | $173,716,800 | 2,376 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 3,544 |
| Cost of funding earning assets | 0.2392% | 4,713 |
| Net interest margin | 3.6730% | 2,818 |
| Noninterest income to average assets | 0.4599% | 3,490 |
| Noninterest expense to average assets | 1.6798% | 5,622 |
| Loan and lease loss provision to assets | 0.1954% | 1,104 |
| Net operating income to assets | 2.1243% | 281 |
| Return on assets (ROA) | 2.1243% | 292 |
| Pretax return on assets | 2.1243% | 444 |
| Return on Equity (ROE) | 22.4439% | 149 |
| Retained earnings to average equity (ytd only) | 9.8347% | 604 |
| Net charge-offs to loans | 0.0153% | 3,426 |
| Credit loss provision to net charge-offs | 1,585.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 188.1219% | 389 |
| Efficiency ratio | 42.0006% | 5,785 |
| Assets per employee ($millions) | 5.6539% | 1,710 |
| Cash dividends to net income (ytd only)* | 56.1811% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 2,443 |
| Loan loss allowance to noncurrent loans | 8,666.6667% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 5,472 |
| Noncurrent loans to loans | 0.0156% | 5,335 |
| Net loans and leases to total assets | 79.6317% | 941 |
| Net loans and leases to deposits | 95.1800% | 1,128 |
| Net loans and leases to core deposits | 101.7394% | 1,503 |
| Total domestic deposits to total assets | 83.6643% | 3,333 |
| Equity capital to assets | 9.7599% | 4,408 |
| Core capital (leverage) ratio | 9.8267% | 3,778 |
| Tier 1 risk-based capital ratio | 14.3471% | 3,367 |
| Total risk-based capital ratio | 15.6006% | 3,303 |
| Memoranda: | ||
| Average total assets | $216,288,500 | 2,803 |
| Average earning assets | $208,436,500 | 2,720 |
| Average equity | $20,471,250 | 3,150 |
| Average total loans | $174,178,500 | 2,374 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9011% | 3,606 |
| Cost of funding earning assets | 0.2298% | 4,854 |
| Net interest margin | 3.6713% | 2,821 |
| Noninterest income to average assets | 0.4558% | 3,484 |
| Noninterest expense to average assets | 1.6829% | 5,700 |
| Loan and lease loss provision to assets | 0.1596% | 1,427 |
| Net operating income to assets | 2.1516% | 245 |
| Return on assets (ROA) | 2.1516% | 259 |
| Pretax return on assets | 2.1516% | 415 |
| Return on Equity (ROE) | 22.9693% | 129 |
| Retained earnings to average equity (ytd only) | 13.1493% | 228 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1344% | 5,861 |
| Assets per employee ($millions) | 5.2689% | 2,014 |
| Cash dividends to net income (ytd only)* | 42.7530% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 81.1493% | 728 |
| Net loans and leases to deposits | 97.4635% | 933 |
| Net loans and leases to core deposits | 104.4459% | 1,280 |
| Total domestic deposits to total assets | 83.2612% | 3,551 |
| Equity capital to assets | 9.8659% | 4,373 |
| Core capital (leverage) ratio | 9.6602% | 3,984 |
| Tier 1 risk-based capital ratio | 14.2787% | 3,449 |
| Total risk-based capital ratio | 15.5320% | 3,369 |
| Memoranda: | ||
| Average total assets | $216,768,330 | 2,806 |
| Average earning assets | $208,916,670 | 2,719 |
| Average equity | $20,305,330 | 3,164 |
| Average total loans | $174,428,670 | 2,369 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 3,672 |
| Cost of funding earning assets | 0.2209% | 4,992 |
| Net interest margin | 3.6563% | 2,865 |
| Noninterest income to average assets | 0.4659% | 3,366 |
| Noninterest expense to average assets | 1.6599% | 5,784 |
| Loan and lease loss provision to assets | 0.1365% | 1,532 |
| Net operating income to assets | 2.1950% | 225 |
| Return on assets (ROA) | 2.1950% | 239 |
| Pretax return on assets | 2.1950% | 380 |
| Return on Equity (ROE) | 24.0461% | 114 |
| Retained earnings to average equity (ytd only) | 24.0461% | 56 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5869% | 5,934 |
| Assets per employee ($millions) | 6.0535% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 3,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 76.9793% | 1,251 |
| Net loans and leases to deposits | 89.2207% | 1,673 |
| Net loans and leases to core deposits | 95.1282% | 1,878 |
| Total domestic deposits to total assets | 86.2796% | 2,549 |
| Equity capital to assets | 9.2262% | 4,963 |
| Core capital (leverage) ratio | 9.5658% | 4,083 |
| Tier 1 risk-based capital ratio | 13.8144% | 3,802 |
| Total risk-based capital ratio | 15.0665% | 3,740 |
| Memoranda: | ||
| Average total assets | $219,774,500 | 2,780 |
| Average earning assets | $211,907,500 | 2,699 |
| Average equity | $20,061,500 | 3,193 |
| Average total loans | $175,021,500 | 2,358 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 3,927 |
| Cost of funding earning assets | 0.2048% | 5,245 |
| Net interest margin | 3.6319% | 3,007 |
| Noninterest income to average assets | 0.5930% | 2,755 |
| Noninterest expense to average assets | 1.8391% | 5,687 |
| Loan and lease loss provision to assets | 0.1969% | 1,100 |
| Net operating income to assets | 2.0497% | 321 |
| Return on assets (ROA) | 2.0497% | 330 |
| Pretax return on assets | 2.0497% | 486 |
| Return on Equity (ROE) | 22.6654% | 147 |
| Retained earnings to average equity (ytd only) | 3.4028% | 3,630 |
| Net charge-offs to loans | 0.0060% | 4,244 |
| Credit loss provision to net charge-offs | 4,300.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 490.6000% | 134 |
| Efficiency ratio | 45.0123% | 5,953 |
| Assets per employee ($millions) | 4.3993% | 3,217 |
| Cash dividends to net income (ytd only)* | 84.9866% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 3,683 |
| Loan loss allowance to noncurrent loans | 18,572.7273% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 5,699 |
| Noncurrent loans to loans | 0.0063% | 5,522 |
| Net loans and leases to total assets | 80.4674% | 777 |
| Net loans and leases to deposits | 93.2185% | 1,286 |
| Net loans and leases to core deposits | 98.4528% | 1,639 |
| Total domestic deposits to total assets | 86.3213% | 2,481 |
| Equity capital to assets | 9.0264% | 5,095 |
| Core capital (leverage) ratio | 8.9029% | 5,001 |
| Tier 1 risk-based capital ratio | 13.0719% | 4,261 |
| Total risk-based capital ratio | 14.3234% | 4,179 |
| Memoranda: | ||
| Average total assets | $218,373,600 | 2,759 |
| Average earning assets | $209,997,800 | 2,681 |
| Average equity | $19,748,200 | 3,195 |
| Average total loans | $166,565,200 | 2,384 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8268% | 4,007 |
| Cost of funding earning assets | 0.2014% | 5,363 |
| Net interest margin | 3.6254% | 3,055 |
| Noninterest income to average assets | 0.5368% | 3,126 |
| Noninterest expense to average assets | 1.8100% | 5,761 |
| Loan and lease loss provision to assets | 0.0511% | 3,181 |
| Net operating income to assets | 2.1599% | 277 |
| Return on assets (ROA) | 2.1599% | 292 |
| Pretax return on assets | 2.1599% | 451 |
| Return on Equity (ROE) | 23.8734% | 136 |
| Retained earnings to average equity (ytd only) | 10.6821% | 525 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0129% | 6,003 |
| Assets per employee ($millions) | 5.9288% | 1,424 |
| Cash dividends to net income (ytd only)* | 55.2550% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 4,642 |
| Loan loss allowance to noncurrent loans | 5,889.6552% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 5,751 |
| Noncurrent loans to loans | 0.0173% | 5,572 |
| Net loans and leases to total assets | 75.5577% | 1,448 |
| Net loans and leases to deposits | 89.7740% | 1,682 |
| Net loans and leases to core deposits | 96.4717% | 1,845 |
| Total domestic deposits to total assets | 84.1644% | 3,357 |
| Equity capital to assets | 9.2877% | 5,016 |
| Core capital (leverage) ratio | 9.2856% | 4,605 |
| Tier 1 risk-based capital ratio | 14.1464% | 3,766 |
| Total risk-based capital ratio | 15.3316% | 3,748 |
| Memoranda: | ||
| Average total assets | $219,075,000 | 2,780 |
| Average earning assets | $210,546,750 | 2,695 |
| Average equity | $19,820,750 | 3,221 |
| Average total loans | $164,330,250 | 2,431 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 3,989 |
| Cost of funding earning assets | 0.1986% | 5,445 |
| Net interest margin | 3.6220% | 3,007 |
| Noninterest income to average assets | 0.5297% | 3,172 |
| Noninterest expense to average assets | 1.8102% | 5,832 |
| Loan and lease loss provision to assets | 0.0493% | 3,132 |
| Net operating income to assets | 2.1509% | 280 |
| Return on assets (ROA) | 2.1509% | 295 |
| Pretax return on assets | 2.1509% | 455 |
| Return on Equity (ROE) | 23.9862% | 134 |
| Retained earnings to average equity (ytd only) | 13.6584% | 255 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1378% | 6,074 |
| Assets per employee ($millions) | 5.7071% | 1,564 |
| Cash dividends to net income (ytd only)* | 43.0573% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 4,739 |
| Loan loss allowance to noncurrent loans | 843.2161% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 5,508 |
| Noncurrent loans to loans | 0.1215% | 5,271 |
| Net loans and leases to total assets | 72.8387% | 1,841 |
| Net loans and leases to deposits | 87.5730% | 1,883 |
| Net loans and leases to core deposits | 94.2143% | 1,937 |
| Total domestic deposits to total assets | 83.1749% | 3,879 |
| Equity capital to assets | 9.0431% | 5,194 |
| Core capital (leverage) ratio | 9.1356% | 4,766 |
| Tier 1 risk-based capital ratio | 14.1079% | 3,860 |
| Total risk-based capital ratio | 15.2840% | 3,845 |
| Memoranda: | ||
| Average total assets | $218,978,000 | 2,797 |
| Average earning assets | $210,436,000 | 2,706 |
| Average equity | $19,636,330 | 3,252 |
| Average total loans | $163,288,330 | 2,446 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 3,700 |
| Cost of funding earning assets | 0.2031% | 5,485 |
| Net interest margin | 3.6774% | 2,712 |
| Noninterest income to average assets | 0.5654% | 2,859 |
| Noninterest expense to average assets | 1.8289% | 5,855 |
| Loan and lease loss provision to assets | 0.0460% | 3,004 |
| Net operating income to assets | 2.2249% | 223 |
| Return on assets (ROA) | 2.2249% | 233 |
| Pretax return on assets | 2.2249% | 367 |
| Return on Equity (ROE) | 24.9194% | 104 |
| Retained earnings to average equity (ytd only) | 24.9194% | 44 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6092% | 6,156 |
| Assets per employee ($millions) | 5.3631% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 4,966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 5,831 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 73.5207% | 1,567 |
| Net loans and leases to deposits | 84.3111% | 2,028 |
| Net loans and leases to core deposits | 91.3728% | 1,997 |
| Total domestic deposits to total assets | 87.2017% | 2,270 |
| Equity capital to assets | 9.0928% | 5,201 |
| Core capital (leverage) ratio | 9.1974% | 4,717 |
| Tier 1 risk-based capital ratio | 13.9467% | 4,059 |
| Total risk-based capital ratio | 15.0963% | 4,041 |
| Memoranda: | ||
| Average total assets | $217,178,000 | 2,832 |
| Average earning assets | $208,736,500 | 2,743 |
| Average equity | $19,390,500 | 3,304 |
| Average total loans | $163,032,000 | 2,456 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8696% | 4,246 |
| Cost of funding earning assets | 0.2089% | 5,675 |
| Net interest margin | 3.6607% | 3,178 |
| Noninterest income to average assets | 0.5243% | 3,330 |
| Noninterest expense to average assets | 1.8883% | 5,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.1500% | 245 |
| Return on assets (ROA) | 2.1500% | 250 |
| Pretax return on assets | 2.1500% | 361 |
| Return on Equity (ROE) | 25.2940% | 99 |
| Retained earnings to average equity (ytd only) | 6.0353% | 1,903 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7595% | 6,232 |
| Assets per employee ($millions) | 4.9876% | 2,338 |
| Cash dividends to net income (ytd only)* | 76.1392% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 5,078 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 5,935 |
| Noncurrent loans to loans | 0.0356% | 5,744 |
| Net loans and leases to total assets | 75.1295% | 1,397 |
| Net loans and leases to deposits | 86.8086% | 1,869 |
| Net loans and leases to core deposits | 94.1619% | 1,907 |
| Total domestic deposits to total assets | 86.5462% | 2,542 |
| Equity capital to assets | 8.7599% | 5,524 |
| Core capital (leverage) ratio | 8.6637% | 5,373 |
| Tier 1 risk-based capital ratio | 10.8508% | 5,965 |
| Total risk-based capital ratio | 11.7887% | 6,029 |
| Memoranda: | ||
| Average total assets | $220,467,600 | 2,777 |
| Average earning assets | $211,623,600 | 2,691 |
| Average equity | $18,739,600 | 3,319 |
| Average total loans | $161,969,600 | 2,407 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8481% | 4,376 |
| Cost of funding earning assets | 0.2097% | 5,756 |
| Net interest margin | 3.6385% | 3,277 |
| Noninterest income to average assets | 0.5358% | 3,287 |
| Noninterest expense to average assets | 1.8963% | 5,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.1318% | 267 |
| Return on assets (ROA) | 2.1318% | 278 |
| Pretax return on assets | 2.1318% | 424 |
| Return on Equity (ROE) | 25.2667% | 100 |
| Retained earnings to average equity (ytd only) | 12.1670% | 402 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0772% | 6,243 |
| Assets per employee ($millions) | 5.1473% | 2,082 |
| Cash dividends to net income (ytd only)* | 51.8456% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 5,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 73.0600% | 1,672 |
| Net loans and leases to deposits | 89.3428% | 1,499 |
| Net loans and leases to core deposits | 96.0061% | 1,677 |
| Total domestic deposits to total assets | 81.7750% | 4,553 |
| Equity capital to assets | 8.7488% | 5,594 |
| Core capital (leverage) ratio | 8.7198% | 5,414 |
| Tier 1 risk-based capital ratio | 10.7517% | 6,108 |
| Total risk-based capital ratio | 11.6534% | 6,195 |
| Memoranda: | ||
| Average total assets | $221,967,750 | 2,785 |
| Average earning assets | $213,050,000 | 2,700 |
| Average equity | $18,727,750 | 3,338 |
| Average total loans | $161,774,000 | 2,426 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 4,336 |
| Cost of funding earning assets | 0.2092% | 5,835 |
| Net interest margin | 3.6413% | 3,184 |
| Noninterest income to average assets | 0.5176% | 3,358 |
| Noninterest expense to average assets | 1.9165% | 5,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0956% | 277 |
| Return on assets (ROA) | 2.0956% | 289 |
| Pretax return on assets | 2.0956% | 443 |
| Return on Equity (ROE) | 25.1463% | 104 |
| Retained earnings to average equity (ytd only) | 15.0575% | 213 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7676% | 6,298 |
| Assets per employee ($millions) | 5.1272% | 2,050 |
| Cash dividends to net income (ytd only)* | 40.1203% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 5,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 72.2000% | 1,706 |
| Net loans and leases to deposits | 88.0294% | 1,596 |
| Net loans and leases to core deposits | 94.7308% | 1,711 |
| Total domestic deposits to total assets | 82.0180% | 4,641 |
| Equity capital to assets | 8.6401% | 5,678 |
| Core capital (leverage) ratio | 8.6110% | 5,522 |
| Tier 1 risk-based capital ratio | 10.6316% | 6,209 |
| Total risk-based capital ratio | 11.5375% | 6,267 |
| Memoranda: | ||
| Average total assets | $222,179,330 | 2,792 |
| Average earning assets | $213,223,330 | 2,703 |
| Average equity | $18,515,670 | 3,358 |
| Average total loans | $161,255,670 | 2,431 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8768% | 4,190 |
| Cost of funding earning assets | 0.2073% | 5,939 |
| Net interest margin | 3.6695% | 2,990 |
| Noninterest income to average assets | 0.5273% | 3,215 |
| Noninterest expense to average assets | 1.9226% | 6,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1288% | 273 |
| Return on assets (ROA) | 2.1288% | 288 |
| Pretax return on assets | 2.1288% | 408 |
| Return on Equity (ROE) | 26.0179% | 106 |
| Retained earnings to average equity (ytd only) | 26.0179% | 53 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4546% | 6,381 |
| Assets per employee ($millions) | 5.2830% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 5,550 |
| Loan loss allowance to noncurrent loans | 23,171.4286% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 6,335 |
| Noncurrent loans to loans | 0.0043% | 6,179 |
| Net loans and leases to total assets | 72.8169% | 1,447 |
| Net loans and leases to deposits | 88.0977% | 1,350 |
| Net loans and leases to core deposits | 94.8571% | 1,479 |
| Total domestic deposits to total assets | 82.6548% | 4,733 |
| Equity capital to assets | 8.4921% | 5,664 |
| Core capital (leverage) ratio | 8.4929% | 5,655 |
| Tier 1 risk-based capital ratio | 13.5620% | 4,635 |
| Total risk-based capital ratio | 14.7294% | 4,643 |
| Memoranda: | ||
| Average total assets | $223,033,500 | 2,795 |
| Average earning assets | $214,197,000 | 2,705 |
| Average equity | $18,249,000 | 3,393 |
| Average total loans | $161,482,000 | 2,442 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 4,666 |
| Cost of funding earning assets | 0.2494% | 5,968 |
| Net interest margin | 3.5867% | 3,517 |
| Noninterest income to average assets | 0.5905% | 3,146 |
| Noninterest expense to average assets | 1.9282% | 6,144 |
| Loan and lease loss provision to assets | -0.0064% | 6,261 |
| Net operating income to assets | 2.1081% | 287 |
| Return on assets (ROA) | 2.1081% | 284 |
| Pretax return on assets | 2.1081% | 372 |
| Return on Equity (ROE) | 26.2596% | 109 |
| Retained earnings to average equity (ytd only) | 5.3688% | 2,372 |
| Net charge-offs to loans | -0.0072% | 5,979 |
| Credit loss provision to net charge-offs | 127.2727% | 1,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8462% | 6,495 |
| Assets per employee ($millions) | 5.3376% | 1,808 |
| Cash dividends to net income (ytd only)* | 79.5548% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 5,483 |
| Loan loss allowance to noncurrent loans | 9,547.0588% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 6,409 |
| Noncurrent loans to loans | 0.0106% | 6,252 |
| Net loans and leases to total assets | 70.5450% | 1,928 |
| Net loans and leases to deposits | 87.2516% | 1,546 |
| Net loans and leases to core deposits | 94.1626% | 1,588 |
| Total domestic deposits to total assets | 80.8524% | 5,220 |
| Equity capital to assets | 7.8754% | 6,100 |
| Core capital (leverage) ratio | 8.0918% | 6,064 |
| Tier 1 risk-based capital ratio | 12.7609% | 5,139 |
| Total risk-based capital ratio | 13.9340% | 5,131 |
| Memoranda: | ||
| Average total assets | $219,484,000 | 2,813 |
| Average earning assets | $210,473,400 | 2,716 |
| Average equity | $17,620,200 | 3,479 |
| Average total loans | $152,629,600 | 2,526 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8493% | 4,669 |
| Cost of funding earning assets | 0.2574% | 6,029 |
| Net interest margin | 3.5919% | 3,479 |
| Noninterest income to average assets | 0.5924% | 3,196 |
| Noninterest expense to average assets | 1.8359% | 6,292 |
| Loan and lease loss provision to assets | -0.0018% | 6,446 |
| Net operating income to assets | 2.2011% | 258 |
| Return on assets (ROA) | 2.2011% | 266 |
| Pretax return on assets | 2.2011% | 384 |
| Return on Equity (ROE) | 27.2845% | 91 |
| Retained earnings to average equity (ytd only) | 7.1845% | 1,794 |
| Net charge-offs to loans | -0.0097% | 5,884 |
| Credit loss provision to net charge-offs | 27.2727% | 3,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4972% | 6,611 |
| Assets per employee ($millions) | 5.3379% | 1,809 |
| Cash dividends to net income (ytd only)* | 73.6682% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 5,550 |
| Loan loss allowance to noncurrent loans | 8,600.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 6,479 |
| Noncurrent loans to loans | 0.0121% | 6,331 |
| Net loans and leases to total assets | 70.9554% | 1,791 |
| Net loans and leases to deposits | 77.2204% | 2,791 |
| Net loans and leases to core deposits | 82.8013% | 2,787 |
| Total domestic deposits to total assets | 91.8868% | 260 |
| Equity capital to assets | 8.0684% | 6,104 |
| Core capital (leverage) ratio | 8.2272% | 6,034 |
| Tier 1 risk-based capital ratio | 13.5706% | 4,714 |
| Total risk-based capital ratio | 14.8263% | 4,669 |
| Memoranda: | ||
| Average total assets | $218,310,250 | 2,848 |
| Average earning assets | $209,244,500 | 2,751 |
| Average equity | $17,611,500 | 3,516 |
| Average total loans | $150,844,500 | 2,555 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8007% | 4,829 |
| Cost of funding earning assets | 0.2605% | 6,100 |
| Net interest margin | 3.5402% | 3,608 |
| Noninterest income to average assets | 0.6051% | 3,157 |
| Noninterest expense to average assets | 1.8494% | 6,294 |
| Loan and lease loss provision to assets | -0.0046% | 6,570 |
| Net operating income to assets | 2.1492% | 283 |
| Return on assets (ROA) | 2.1492% | 297 |
| Pretax return on assets | 2.1492% | 455 |
| Return on Equity (ROE) | 26.6424% | 101 |
| Retained earnings to average equity (ytd only) | 16.7538% | 167 |
| Net charge-offs to loans | -0.0148% | 5,872 |
| Credit loss provision to net charge-offs | 45.4545% | 3,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3039% | 6,622 |
| Assets per employee ($millions) | 4.8188% | 2,343 |
| Cash dividends to net income (ytd only)* | 37.1160% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 5,555 |
| Loan loss allowance to noncurrent loans | 32,640.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,575 |
| Noncurrent loans to loans | 0.0033% | 6,444 |
| Net loans and leases to total assets | 72.9096% | 1,420 |
| Net loans and leases to deposits | 79.9555% | 2,326 |
| Net loans and leases to core deposits | 86.0327% | 2,332 |
| Total domestic deposits to total assets | 91.1877% | 479 |
| Equity capital to assets | 8.7752% | 5,470 |
| Core capital (leverage) ratio | 8.6573% | 5,474 |
| Tier 1 risk-based capital ratio | 13.8026% | 4,562 |
| Total risk-based capital ratio | 15.0414% | 4,541 |
| Memoranda: | ||
| Average total assets | $218,129,330 | 2,868 |
| Average earning assets | $208,804,670 | 2,759 |
| Average equity | $17,596,000 | 3,539 |
| Average total loans | $148,818,670 | 2,589 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 4,532 |
| Cost of funding earning assets | 0.2568% | 6,240 |
| Net interest margin | 3.6287% | 3,145 |
| Noninterest income to average assets | 0.7959% | 2,142 |
| Noninterest expense to average assets | 1.9579% | 6,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.3092% | 200 |
| Return on assets (ROA) | 2.3092% | 221 |
| Pretax return on assets | 2.3092% | 351 |
| Return on Equity (ROE) | 30.3250% | 74 |
| Retained earnings to average equity (ytd only) | 30.3250% | 45 |
| Net charge-offs to loans | -0.0460% | 6,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8837% | 6,698 |
| Assets per employee ($millions) | 4.6976% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8587% | 6,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 69.8030% | 1,696 |
| Net loans and leases to deposits | 75.7485% | 2,678 |
| Net loans and leases to core deposits | 79.7759% | 2,835 |
| Total domestic deposits to total assets | 92.1511% | 221 |
| Equity capital to assets | 7.8270% | 6,459 |
| Core capital (leverage) ratio | 7.8908% | 6,223 |
| Tier 1 risk-based capital ratio | 13.3346% | 4,985 |
| Total risk-based capital ratio | 14.3646% | 5,086 |
| Memoranda: | ||
| Average total assets | $162,827,500 | 3,604 |
| Average earning assets | $155,757,500 | 3,506 |
| Average equity | $12,399,000 | 4,494 |
| Average total loans | $112,936,500 | 3,233 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 4,874 |
| Cost of funding earning assets | 0.3110% | 6,400 |
| Net interest margin | 3.8113% | 3,175 |
| Noninterest income to average assets | 0.8273% | 2,145 |
| Noninterest expense to average assets | 2.1754% | 5,978 |
| Loan and lease loss provision to assets | 0.0084% | 5,817 |
| Net operating income to assets | 2.2713% | 220 |
| Return on assets (ROA) | 2.2713% | 242 |
| Pretax return on assets | 2.2713% | 350 |
| Return on Equity (ROE) | 30.7652% | 60 |
| Retained earnings to average equity (ytd only) | 10.4686% | 511 |
| Net charge-offs to loans | 0.0114% | 5,767 |
| Credit loss provision to net charge-offs | 108.3333% | 2,719 |
| Earnings coverage of net charge-offs (x) | 293.2500% | 134 |
| Efficiency ratio | 48.8294% | 6,663 |
| Assets per employee ($millions) | 5.0387% | 2,184 |
| Cash dividends to net income (ytd only)* | 65.9726% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 6,286 |
| Loan loss allowance to noncurrent loans | 2,972.7273% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 6,619 |
| Noncurrent loans to loans | 0.0300% | 6,442 |
| Net loans and leases to total assets | 67.6826% | 2,242 |
| Net loans and leases to deposits | 73.1018% | 3,241 |
| Net loans and leases to core deposits | 76.5186% | 3,464 |
| Total domestic deposits to total assets | 92.5867% | 168 |
| Equity capital to assets | 7.3984% | 6,671 |
| Core capital (leverage) ratio | 7.2924% | 6,587 |
| Tier 1 risk-based capital ratio | 13.2255% | 4,945 |
| Total risk-based capital ratio | 14.3131% | 5,011 |
| Memoranda: | ||
| Average total assets | $154,360,600 | 3,710 |
| Average earning assets | $146,930,800 | 3,608 |
| Average equity | $11,396,000 | 4,692 |
| Average total loans | $105,718,600 | 3,379 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1673% | 4,929 |
| Cost of funding earning assets | 0.3190% | 6,519 |
| Net interest margin | 3.8483% | 3,126 |
| Noninterest income to average assets | 0.8429% | 2,065 |
| Noninterest expense to average assets | 2.0990% | 6,167 |
| Loan and lease loss provision to assets | 0.0070% | 5,721 |
| Net operating income to assets | 2.3934% | 211 |
| Return on assets (ROA) | 2.3934% | 224 |
| Pretax return on assets | 2.3934% | 349 |
| Return on Equity (ROE) | 32.4365% | 53 |
| Retained earnings to average equity (ytd only) | 10.4294% | 804 |
| Net charge-offs to loans | 0.0076% | 5,620 |
| Credit loss provision to net charge-offs | 133.3333% | 2,164 |
| Earnings coverage of net charge-offs (x) | 457.9888% | 96 |
| Efficiency ratio | 46.6511% | 6,788 |
| Assets per employee ($millions) | 4.8024% | 2,440 |
| Cash dividends to net income (ytd only)* | 67.8466% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 6,304 |
| Loan loss allowance to noncurrent loans | 10,911.1111% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 6,782 |
| Noncurrent loans to loans | 0.0085% | 6,653 |
| Net loans and leases to total assets | 68.1104% | 2,279 |
| Net loans and leases to deposits | 73.7222% | 3,335 |
| Net loans and leases to core deposits | 76.3340% | 3,685 |
| Total domestic deposits to total assets | 92.3879% | 162 |
| Equity capital to assets | 7.5594% | 6,763 |
| Core capital (leverage) ratio | 7.4140% | 6,661 |
| Tier 1 risk-based capital ratio | 13.3259% | 5,000 |
| Total risk-based capital ratio | 14.4524% | 5,059 |
| Memoranda: | ||
| Average total assets | $152,641,250 | 3,776 |
| Average earning assets | $145,031,500 | 3,674 |
| Average equity | $11,262,750 | 4,757 |
| Average total loans | $104,620,500 | 3,441 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1681% | 5,061 |
| Cost of funding earning assets | 0.3237% | 6,629 |
| Net interest margin | 3.8444% | 3,159 |
| Noninterest income to average assets | 0.8444% | 1,987 |
| Noninterest expense to average assets | 2.1025% | 6,229 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.3914% | 205 |
| Return on assets (ROA) | 2.3914% | 234 |
| Pretax return on assets | 2.3914% | 351 |
| Return on Equity (ROE) | 32.6793% | 64 |
| Retained earnings to average equity (ytd only) | 8.9908% | 1,280 |
| Net charge-offs to loans | -0.0019% | 6,088 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7855% | 6,844 |
| Assets per employee ($millions) | 4.4693% | 2,962 |
| Cash dividends to net income (ytd only)* | 72.4876% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 6,338 |
| Loan loss allowance to noncurrent loans | 1,442.6471% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 6,712 |
| Noncurrent loans to loans | 0.0656% | 6,504 |
| Net loans and leases to total assets | 67.5908% | 2,347 |
| Net loans and leases to deposits | 73.0193% | 3,458 |
| Net loans and leases to core deposits | 74.7127% | 3,930 |
| Total domestic deposits to total assets | 92.5657% | 155 |
| Equity capital to assets | 7.3949% | 6,822 |
| Core capital (leverage) ratio | 7.3178% | 6,712 |
| Tier 1 risk-based capital ratio | 12.7741% | 5,358 |
| Total risk-based capital ratio | 13.8893% | 5,448 |
| Memoranda: | ||
| Average total assets | $152,296,000 | 3,799 |
| Average earning assets | $144,575,330 | 3,702 |
| Average equity | $11,144,670 | 4,777 |
| Average total loans | $104,276,670 | 3,469 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 5,068 |
| Cost of funding earning assets | 0.3401% | 6,679 |
| Net interest margin | 3.8714% | 3,047 |
| Noninterest income to average assets | 0.8448% | 1,967 |
| Noninterest expense to average assets | 2.0778% | 6,313 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.4399% | 198 |
| Return on assets (ROA) | 2.4399% | 241 |
| Pretax return on assets | 2.4399% | 363 |
| Return on Equity (ROE) | 33.5180% | 77 |
| Retained earnings to average equity (ytd only) | 26.1297% | 80 |
| Net charge-offs to loans | -0.0038% | 5,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9930% | 6,899 |
| Assets per employee ($millions) | 4.5268% | 2,943 |
| Cash dividends to net income (ytd only)* | 22.0430% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 6,458 |
| Loan loss allowance to noncurrent loans | 1,635.0000% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 6,808 |
| Noncurrent loans to loans | 0.0572% | 6,613 |
| Net loans and leases to total assets | 67.5752% | 2,193 |
| Net loans and leases to deposits | 73.0331% | 3,269 |
| Net loans and leases to core deposits | 74.6230% | 3,815 |
| Total domestic deposits to total assets | 92.5268% | 183 |
| Equity capital to assets | 7.4466% | 6,803 |
| Core capital (leverage) ratio | 7.4418% | 6,669 |
| Tier 1 risk-based capital ratio | 12.8244% | 5,347 |
| Total risk-based capital ratio | 13.9221% | 5,431 |
| Memoranda: | ||
| Average total assets | $152,465,500 | 3,831 |
| Average earning assets | $144,652,000 | 3,724 |
| Average equity | $11,098,500 | 4,802 |
| Average total loans | $104,570,000 | 3,489 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3103% | 5,729 |
| Cost of funding earning assets | 0.4005% | 6,887 |
| Net interest margin | 3.9098% | 3,292 |
| Noninterest income to average assets | 0.7943% | 2,093 |
| Noninterest expense to average assets | 2.4373% | 5,673 |
| Loan and lease loss provision to assets | 0.0482% | 5,981 |
| Net operating income to assets | 1.9804% | 323 |
| Return on assets (ROA) | 1.9804% | 342 |
| Pretax return on assets | 1.9804% | 553 |
| Return on Equity (ROE) | 29.1321% | 49 |
| Retained earnings to average equity (ytd only) | 14.6909% | 148 |
| Net charge-offs to loans | -0.0093% | 6,879 |
| Credit loss provision to net charge-offs | -788.8889% | 6,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5759% | 6,460 |
| Assets per employee ($millions) | 4.4418% | 3,002 |
| Cash dividends to net income (ytd only)* | 49.5715% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 6,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 68.3177% | 2,331 |
| Net loans and leases to deposits | 73.5612% | 3,569 |
| Net loans and leases to core deposits | 74.5590% | 4,165 |
| Total domestic deposits to total assets | 92.8719% | 141 |
| Equity capital to assets | 7.1089% | 6,934 |
| Core capital (leverage) ratio | 6.8641% | 6,910 |
| Tier 1 risk-based capital ratio | 11.8203% | 5,950 |
| Total risk-based capital ratio | 12.8992% | 6,044 |
| Memoranda: | ||
| Average total assets | $147,293,000 | 3,845 |
| Average earning assets | $138,318,600 | 3,780 |
| Average equity | $10,013,000 | 5,017 |
| Average total loans | $97,171,200 | 3,695 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3128% | 5,907 |
| Cost of funding earning assets | 0.4144% | 6,984 |
| Net interest margin | 3.8984% | 3,388 |
| Noninterest income to average assets | 0.7944% | 2,078 |
| Noninterest expense to average assets | 2.3731% | 5,839 |
| Loan and lease loss provision to assets | 0.0647% | 5,643 |
| Net operating income to assets | 2.0078% | 334 |
| Return on assets (ROA) | 2.0078% | 364 |
| Pretax return on assets | 2.0078% | 615 |
| Return on Equity (ROE) | 29.8873% | 60 |
| Retained earnings to average equity (ytd only) | 12.4214% | 451 |
| Net charge-offs to loans | -0.0196% | 6,906 |
| Credit loss provision to net charge-offs | -507.1429% | 6,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3811% | 6,556 |
| Assets per employee ($millions) | 4.4007% | 3,075 |
| Cash dividends to net income (ytd only)* | 58.4393% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 6,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 61.6958% | 3,799 |
| Net loans and leases to deposits | 66.0988% | 4,892 |
| Net loans and leases to core deposits | 67.9745% | 5,183 |
| Total domestic deposits to total assets | 93.3387% | 115 |
| Equity capital to assets | 6.6100% | 7,120 |
| Core capital (leverage) ratio | 6.6647% | 7,039 |
| Tier 1 risk-based capital ratio | 11.8927% | 5,967 |
| Total risk-based capital ratio | 13.0433% | 6,032 |
| Memoranda: | ||
| Average total assets | $146,361,000 | 3,881 |
| Average earning assets | $137,077,250 | 3,817 |
| Average equity | $9,832,250 | 5,086 |
| Average total loans | $95,425,500 | 3,772 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3997% | 5,694 |
| Cost of funding earning assets | 0.4265% | 7,071 |
| Net interest margin | 3.9731% | 2,975 |
| Noninterest income to average assets | 0.8164% | 1,944 |
| Noninterest expense to average assets | 2.4088% | 5,816 |
| Loan and lease loss provision to assets | 0.0987% | 5,084 |
| Net operating income to assets | 2.0138% | 334 |
| Return on assets (ROA) | 2.0138% | 349 |
| Pretax return on assets | 2.0138% | 574 |
| Return on Equity (ROE) | 29.8065% | 70 |
| Retained earnings to average equity (ytd only) | 12.4537% | 463 |
| Net charge-offs to loans | -0.0294% | 6,915 |
| Credit loss provision to net charge-offs | -507.1429% | 6,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2759% | 6,687 |
| Assets per employee ($millions) | 3.9433% | 3,883 |
| Cash dividends to net income (ytd only)* | 58.2182% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 6,134 |
| Loan loss allowance to noncurrent loans | 4,282.6087% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 7,080 |
| Noncurrent loans to loans | 0.0246% | 6,931 |
| Net loans and leases to total assets | 61.7768% | 3,931 |
| Net loans and leases to deposits | 66.1625% | 4,983 |
| Net loans and leases to core deposits | 68.0472% | 5,285 |
| Total domestic deposits to total assets | 93.3712% | 110 |
| Equity capital to assets | 6.5868% | 7,170 |
| Core capital (leverage) ratio | 6.5103% | 7,121 |
| Tier 1 risk-based capital ratio | 12.1334% | 5,681 |
| Total risk-based capital ratio | 13.3442% | 5,682 |
| Memoranda: | ||
| Average total assets | $143,806,330 | 3,961 |
| Average earning assets | $134,100,670 | 3,907 |
| Average equity | $9,716,000 | 5,116 |
| Average total loans | $95,230,000 | 3,812 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5582% | 5,136 |
| Cost of funding earning assets | 0.4398% | 7,135 |
| Net interest margin | 4.1183% | 2,197 |
| Noninterest income to average assets | 0.8552% | 1,833 |
| Noninterest expense to average assets | 2.4178% | 5,832 |
| Loan and lease loss provision to assets | 0.1165% | 4,553 |
| Net operating income to assets | 2.1252% | 292 |
| Return on assets (ROA) | 2.1252% | 301 |
| Pretax return on assets | 2.1252% | 456 |
| Return on Equity (ROE) | 31.0406% | 71 |
| Retained earnings to average equity (ytd only) | 31.0406% | 50 |
| Net charge-offs to loans | -0.0583% | 6,932 |
| Credit loss provision to net charge-offs | -292.8571% | 5,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8902% | 6,863 |
| Assets per employee ($millions) | 4.2438% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 6,307 |
| Loan loss allowance to noncurrent loans | 1,073.0337% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 7,015 |
| Noncurrent loans to loans | 0.0952% | 6,807 |
| Net loans and leases to total assets | 60.5820% | 4,155 |
| Net loans and leases to deposits | 64.8515% | 5,150 |
| Net loans and leases to core deposits | 66.5172% | 5,463 |
| Total domestic deposits to total assets | 93.4166% | 109 |
| Equity capital to assets | 6.5540% | 7,196 |
| Core capital (leverage) ratio | 7.7341% | 6,526 |
| Tier 1 risk-based capital ratio | 12.5050% | 5,260 |
| Total risk-based capital ratio | 13.6977% | 5,288 |
| Memoranda: | ||
| Average total assets | $140,786,500 | 4,050 |
| Average earning assets | $130,052,500 | 4,027 |
| Average equity | $9,639,000 | 5,138 |
| Average total loans | $96,067,500 | 3,829 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5682% | 2,016 |
| Cost of funding earning assets | 0.6589% | 6,987 |
| Net interest margin | 4.9093% | 537 |
| Noninterest income to average assets | 0.9795% | 1,574 |
| Noninterest expense to average assets | 3.0169% | 3,784 |
| Loan and lease loss provision to assets | 0.0890% | 6,256 |
| Net operating income to assets | 2.2849% | 161 |
| Return on assets (ROA) | 2.2849% | 166 |
| Pretax return on assets | 2.2849% | 259 |
| Return on Equity (ROE) | 32.2371% | 30 |
| Retained earnings to average equity (ytd only) | 14.2300% | 154 |
| Net charge-offs to loans | 0.0160% | 6,662 |
| Credit loss provision to net charge-offs | 733.3333% | 294 |
| Earnings coverage of net charge-offs (x) | 195.6667% | 128 |
| Efficiency ratio | 55.9640% | 6,600 |
| Assets per employee ($millions) | 3.5776% | 4,759 |
| Cash dividends to net income (ytd only)* | 55.8584% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 6,692 |
| Loan loss allowance to noncurrent loans | 4,500.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 7,209 |
| Noncurrent loans to loans | 0.0203% | 7,091 |
| Net loans and leases to total assets | 75.8756% | 1,297 |
| Net loans and leases to deposits | 81.7973% | 2,848 |
| Net loans and leases to core deposits | 84.1331% | 3,577 |
| Total domestic deposits to total assets | 92.7606% | 159 |
| Equity capital to assets | 7.1936% | 7,040 |
| Core capital (leverage) ratio | 7.1897% | 6,914 |
| Tier 1 risk-based capital ratio | 11.0959% | 6,254 |
| Total risk-based capital ratio | 12.1738% | 6,361 |
| Memoranda: | ||
| Average total assets | $123,636,600 | 4,410 |
| Average earning assets | $111,094,400 | 4,443 |
| Average equity | $8,763,200 | 5,487 |
| Average total loans | $93,882,200 | 3,956 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6163% | 2,006 |
| Cost of funding earning assets | 0.6905% | 7,090 |
| Net interest margin | 4.9258% | 530 |
| Noninterest income to average assets | 0.9819% | 1,517 |
| Noninterest expense to average assets | 2.9358% | 3,962 |
| Loan and lease loss provision to assets | 0.0545% | 6,525 |
| Net operating income to assets | 2.4226% | 159 |
| Return on assets (ROA) | 2.4226% | 163 |
| Pretax return on assets | 2.4226% | 261 |
| Return on Equity (ROE) | 34.3137% | 30 |
| Retained earnings to average equity (ytd only) | 16.5934% | 149 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2380% | 6,770 |
| Assets per employee ($millions) | 3.4755% | 5,039 |
| Cash dividends to net income (ytd only)* | 51.6419% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 6,676 |
| Loan loss allowance to noncurrent loans | 4,275.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 7,326 |
| Noncurrent loans to loans | 0.0215% | 7,210 |
| Net loans and leases to total assets | 71.6143% | 2,336 |
| Net loans and leases to deposits | 77.1372% | 3,988 |
| Net loans and leases to core deposits | 79.5252% | 4,585 |
| Total domestic deposits to total assets | 92.8402% | 111 |
| Equity capital to assets | 7.0711% | 7,320 |
| Core capital (leverage) ratio | 7.2145% | 7,049 |
| Tier 1 risk-based capital ratio | 11.4350% | 5,986 |
| Total risk-based capital ratio | 12.5102% | 6,127 |
| Memoranda: | ||
| Average total assets | $122,347,000 | 4,498 |
| Average earning assets | $110,057,750 | 4,529 |
| Average equity | $8,637,750 | 5,586 |
| Average total loans | $92,696,750 | 4,061 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5994% | 2,141 |
| Cost of funding earning assets | 0.7277% | 7,130 |
| Net interest margin | 4.8717% | 571 |
| Noninterest income to average assets | 0.9595% | 1,482 |
| Noninterest expense to average assets | 3.0533% | 3,509 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.3598% | 177 |
| Return on assets (ROA) | 2.3598% | 189 |
| Pretax return on assets | 2.3598% | 300 |
| Return on Equity (ROE) | 33.4433% | 38 |
| Retained earnings to average equity (ytd only) | 17.2048% | 150 |
| Net charge-offs to loans | 0.0065% | 6,279 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 473.0000% | 68 |
| Efficiency ratio | 56.4055% | 6,588 |
| Assets per employee ($millions) | 3.2962% | 5,441 |
| Cash dividends to net income (ytd only)* | 48.5553% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8506% | 6,903 |
| Loan loss allowance to noncurrent loans | 1,145.7143% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 7,244 |
| Noncurrent loans to loans | 0.0742% | 7,122 |
| Net loans and leases to total assets | 76.6518% | 1,358 |
| Net loans and leases to deposits | 88.6978% | 2,053 |
| Net loans and leases to core deposits | 91.9755% | 2,991 |
| Total domestic deposits to total assets | 86.4191% | 2,861 |
| Equity capital to assets | 7.1730% | 7,287 |
| Core capital (leverage) ratio | 7.0707% | 7,150 |
| Tier 1 risk-based capital ratio | 10.7798% | 6,462 |
| Total risk-based capital ratio | 11.7680% | 6,660 |
| Memoranda: | ||
| Average total assets | $120,265,000 | 4,559 |
| Average earning assets | $109,941,330 | 4,559 |
| Average equity | $8,486,000 | 5,641 |
| Average total loans | $92,613,670 | 4,092 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5858% | 2,214 |
| Cost of funding earning assets | 0.7849% | 7,136 |
| Net interest margin | 4.8009% | 644 |
| Noninterest income to average assets | 0.9546% | 1,436 |
| Noninterest expense to average assets | 3.0146% | 3,624 |
| Loan and lease loss provision to assets | 0.0670% | 5,964 |
| Net operating income to assets | 2.2576% | 230 |
| Return on assets (ROA) | 2.2576% | 256 |
| Pretax return on assets | 2.2576% | 380 |
| Return on Equity (ROE) | 32.2681% | 73 |
| Retained earnings to average equity (ytd only) | 32.2681% | 54 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4617% | 6,704 |
| Assets per employee ($millions) | 3.4991% | 5,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 6,865 |
| Loan loss allowance to noncurrent loans | 82,500.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 7,511 |
| Noncurrent loans to loans | 0.0011% | 7,422 |
| Net loans and leases to total assets | 74.9551% | 1,751 |
| Net loans and leases to deposits | 83.0380% | 3,098 |
| Net loans and leases to core deposits | 85.9071% | 3,915 |
| Total domestic deposits to total assets | 90.2660% | 848 |
| Equity capital to assets | 7.0974% | 7,327 |
| Core capital (leverage) ratio | 7.0766% | 7,202 |
| Tier 1 risk-based capital ratio | 10.8011% | 6,342 |
| Total risk-based capital ratio | 11.8263% | 6,554 |
| Memoranda: | ||
| Average total assets | $119,418,500 | 4,644 |
| Average earning assets | $109,062,500 | 4,632 |
| Average equity | $8,355,000 | 5,728 |
| Average total loans | $91,778,000 | 4,166 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9738% | 1,966 |
| Cost of funding earning assets | 1.0863% | 7,018 |
| Net interest margin | 4.8875% | 576 |
| Noninterest income to average assets | 1.0193% | 1,507 |
| Noninterest expense to average assets | 3.4071% | 2,654 |
| Loan and lease loss provision to assets | 0.0691% | 6,886 |
| Net operating income to assets | 2.0544% | 201 |
| Return on assets (ROA) | 2.0544% | 219 |
| Pretax return on assets | 2.0544% | 365 |
| Return on Equity (ROE) | 31.2367% | 43 |
| Retained earnings to average equity (ytd only) | 15.7913% | 81 |
| Net charge-offs to loans | 0.0491% | 6,606 |
| Credit loss provision to net charge-offs | 183.7209% | 2,229 |
| Earnings coverage of net charge-offs (x) | 56.4419% | 468 |
| Efficiency ratio | 61.6042% | 6,220 |
| Assets per employee ($millions) | 3.1451% | 5,876 |
| Cash dividends to net income (ytd only)* | 49.4463% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 6,875 |
| Loan loss allowance to noncurrent loans | 16,100.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 7,185 |
| Noncurrent loans to loans | 0.0055% | 7,435 |
| Net loans and leases to total assets | 77.4519% | 1,495 |
| Net loans and leases to deposits | 88.7797% | 2,429 |
| Net loans and leases to core deposits | 107.1293% | 3,202 |
| Total domestic deposits to total assets | 87.2406% | 2,366 |
| Equity capital to assets | 6.8902% | 7,420 |
| Core capital (leverage) ratio | 6.7923% | 7,370 |
| Tier 1 risk-based capital ratio | 10.1385% | 6,754 |
| Total risk-based capital ratio | 11.1564% | 6,925 |
| Memoranda: | ||
| Average total assets | $114,291,400 | 4,711 |
| Average earning assets | $105,494,200 | 4,692 |
| Average equity | $7,516,800 | 6,082 |
| Average total loans | $87,618,600 | 4,277 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0248% | 1,937 |
| Cost of funding earning assets | 1.1717% | 6,968 |
| Net interest margin | 4.8531% | 619 |
| Noninterest income to average assets | 1.0336% | 1,485 |
| Noninterest expense to average assets | 3.2356% | 3,171 |
| Loan and lease loss provision to assets | 0.0926% | 6,440 |
| Net operating income to assets | 2.1903% | 184 |
| Return on assets (ROA) | 2.1903% | 206 |
| Pretax return on assets | 2.1903% | 361 |
| Return on Equity (ROE) | 33.7136% | 40 |
| Retained earnings to average equity (ytd only) | 18.2186% | 86 |
| Net charge-offs to loans | 0.0415% | 6,316 |
| Credit loss provision to net charge-offs | 292.5926% | 1,420 |
| Earnings coverage of net charge-offs (x) | 72.1464% | 463 |
| Efficiency ratio | 58.6324% | 6,626 |
| Assets per employee ($millions) | 3.0771% | 5,971 |
| Cash dividends to net income (ytd only)* | 45.9602% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 6,747 |
| Loan loss allowance to noncurrent loans | 1,578.8462% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 7,153 |
| Noncurrent loans to loans | 0.0571% | 7,364 |
| Net loans and leases to total assets | 75.1608% | 2,209 |
| Net loans and leases to deposits | 84.2391% | 3,609 |
| Net loans and leases to core deposits | 100.1132% | 4,362 |
| Total domestic deposits to total assets | 89.2232% | 1,098 |
| Equity capital to assets | 6.5337% | 7,757 |
| Core capital (leverage) ratio | 6.5872% | 7,635 |
| Tier 1 risk-based capital ratio | 9.7676% | 7,165 |
| Total risk-based capital ratio | 10.7903% | 7,303 |
| Memoranda: | ||
| Average total assets | $113,772,000 | 4,751 |
| Average earning assets | $105,139,750 | 4,733 |
| Average equity | $7,391,500 | 6,190 |
| Average total loans | $86,789,500 | 4,344 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1102% | 1,759 |
| Cost of funding earning assets | 1.2092% | 7,079 |
| Net interest margin | 4.9010% | 534 |
| Noninterest income to average assets | 1.0332% | 1,489 |
| Noninterest expense to average assets | 3.2410% | 3,188 |
| Loan and lease loss provision to assets | 0.1074% | 6,082 |
| Net operating income to assets | 2.2060% | 191 |
| Return on assets (ROA) | 2.2060% | 211 |
| Pretax return on assets | 2.2060% | 356 |
| Return on Equity (ROE) | 34.0253% | 44 |
| Retained earnings to average equity (ytd only) | 17.5374% | 117 |
| Net charge-offs to loans | 0.0187% | 6,255 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 161.5000% | 254 |
| Efficiency ratio | 58.3495% | 6,802 |
| Assets per employee ($millions) | 2.9878% | 6,166 |
| Cash dividends to net income (ytd only)* | 48.4578% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 6,490 |
| Loan loss allowance to noncurrent loans | 1,609.8039% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 7,492 |
| Noncurrent loans to loans | 0.0598% | 7,381 |
| Net loans and leases to total assets | 72.5418% | 3,078 |
| Net loans and leases to deposits | 81.3359% | 4,333 |
| Net loans and leases to core deposits | 95.2376% | 4,985 |
| Total domestic deposits to total assets | 89.1878% | 1,177 |
| Equity capital to assets | 6.4072% | 7,838 |
| Core capital (leverage) ratio | 6.5293% | 7,783 |
| Tier 1 risk-based capital ratio | 10.2917% | 6,604 |
| Total risk-based capital ratio | 11.4234% | 6,677 |
| Memoranda: | ||
| Average total assets | $111,693,330 | 4,834 |
| Average earning assets | $103,040,330 | 4,814 |
| Average equity | $7,241,670 | 6,287 |
| Average total loans | $85,379,330 | 4,418 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2332% | 1,494 |
| Cost of funding earning assets | 1.2768% | 7,093 |
| Net interest margin | 4.9564% | 448 |
| Noninterest income to average assets | 1.0359% | 1,383 |
| Noninterest expense to average assets | 3.3163% | 2,608 |
| Loan and lease loss provision to assets | 0.1098% | 5,562 |
| Net operating income to assets | 2.1853% | 237 |
| Return on assets (ROA) | 2.1853% | 274 |
| Pretax return on assets | 2.1853% | 454 |
| Return on Equity (ROE) | 33.4946% | 70 |
| Retained earnings to average equity (ytd only) | 33.4946% | 39 |
| Net charge-offs to loans | 0.0094% | 5,523 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 313.5000% | 128 |
| Efficiency ratio | 59.0998% | 6,540 |
| Assets per employee ($millions) | 2.8155% | 6,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 6,545 |
| Loan loss allowance to noncurrent loans | 517.5325% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 7,175 |
| Noncurrent loans to loans | 0.1818% | 7,008 |
| Net loans and leases to total assets | 74.4979% | 2,617 |
| Net loans and leases to deposits | 84.9118% | 3,835 |
| Net loans and leases to core deposits | 100.9566% | 4,444 |
| Total domestic deposits to total assets | 87.7355% | 1,867 |
| Equity capital to assets | 6.5957% | 7,837 |
| Core capital (leverage) ratio | 6.7231% | 7,789 |
| Tier 1 risk-based capital ratio | 10.0551% | 6,847 |
| Total risk-based capital ratio | 11.1340% | 6,945 |
| Memoranda: | ||
| Average total assets | $109,277,000 | 4,922 |
| Average earning assets | $100,879,500 | 4,893 |
| Average equity | $7,129,500 | 6,362 |
| Average total loans | $85,393,500 | 4,444 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0965% | 924 |
| Cost of funding earning assets | 1.5761% | 7,492 |
| Net interest margin | 5.5204% | 200 |
| Noninterest income to average assets | 1.1884% | 1,075 |
| Noninterest expense to average assets | 3.8863% | 1,587 |
| Loan and lease loss provision to assets | 0.0414% | 6,897 |
| Net operating income to assets | 2.2866% | 199 |
| Return on assets (ROA) | 2.2866% | 196 |
| Pretax return on assets | 2.2866% | 326 |
| Return on Equity (ROE) | 34.1261% | 32 |
| Retained earnings to average equity (ytd only) | 13.7927% | 128 |
| Net charge-offs to loans | 0.0367% | 6,291 |
| Credit loss provision to net charge-offs | 133.3333% | 3,986 |
| Earnings coverage of net charge-offs (x) | 74.9000% | 545 |
| Efficiency ratio | 62.5375% | 5,849 |
| Assets per employee ($millions) | 2.3030% | 7,557 |
| Cash dividends to net income (ytd only)* | 59.5831% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 6,711 |
| Loan loss allowance to noncurrent loans | 625.2033% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 7,113 |
| Noncurrent loans to loans | 0.1429% | 6,982 |
| Net loans and leases to total assets | 80.5420% | 1,541 |
| Net loans and leases to deposits | 92.5523% | 3,042 |
| Net loans and leases to core deposits | 108.1393% | 3,951 |
| Total domestic deposits to total assets | 87.0233% | 1,926 |
| Equity capital to assets | 6.4482% | 7,950 |
| Core capital (leverage) ratio | 6.4816% | 7,942 |
| Tier 1 risk-based capital ratio | 9.1544% | 7,662 |
| Total risk-based capital ratio | 10.1849% | 7,839 |
| Memoranda: | ||
| Average total assets | $96,518,800 | 5,152 |
| Average earning assets | $87,874,800 | 5,154 |
| Average equity | $6,467,200 | 6,651 |
| Average total loans | $81,658,800 | 4,466 |