Home > North Shore Bank of Commerce > Performance and Condition Ratios
North Shore Bank of Commerce, 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 | 5.1866% | 1,695 |
| Cost of funding earning assets | 1.0325% | 3,221 |
| Net interest margin | 4.1541% | 1,001 |
| Noninterest income to average assets | 1.7200% | 319 |
| Noninterest expense to average assets | 4.5508% | 280 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9441% | 2,391 |
| Return on assets (ROA) | 0.9441% | 2,379 |
| Pretax return on assets | 0.9441% | 2,831 |
| Return on Equity (ROE) | 10.9300% | 2,246 |
| Retained earnings to average equity (ytd only) | 1.9129% | 3,599 |
| Net charge-offs to loans | 0.0024% | 2,713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 520.8750% | 282 |
| Efficiency ratio | 82.8193% | 735 |
| Assets per employee ($millions) | 3.8779% | 4,200 |
| Cash dividends to net income (ytd only)* | 82.5054% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5194% | 4,322 |
| Loan loss allowance to noncurrent loans | 225.0567% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 2,319 |
| Noncurrent loans to loans | 0.2308% | 2,393 |
| Net loans and leases to total assets | 78.4400% | 819 |
| Net loans and leases to deposits | 95.0121% | 864 |
| Net loans and leases to core deposits | 97.2573% | 1,580 |
| Total domestic deposits to total assets | 82.5500% | 3,004 |
| Equity capital to assets | 8.1913% | 3,286 |
| Core capital (leverage) ratio | 9.0340% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $441,392,800 | 1,890 |
| Average earning assets | $400,953,800 | 1,905 |
| Average equity | $38,110,400 | 1,937 |
| Average total loans | $330,746,400 | 1,683 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1020% | 1,632 |
| Cost of funding earning assets | 0.8795% | 3,323 |
| Net interest margin | 4.2226% | 892 |
| Noninterest income to average assets | 1.7700% | 328 |
| Noninterest expense to average assets | 4.5859% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0067% | 2,345 |
| Return on assets (ROA) | 1.0067% | 2,332 |
| Pretax return on assets | 1.0067% | 2,837 |
| Return on Equity (ROE) | 11.4900% | 2,256 |
| Retained earnings to average equity (ytd only) | 0.0778% | 4,096 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.9989% | 732 |
| Assets per employee ($millions) | 3.5986% | 4,294 |
| Cash dividends to net income (ytd only)* | 99.3233% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5593% | 4,310 |
| Loan loss allowance to noncurrent loans | 246.5347% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 2,415 |
| Noncurrent loans to loans | 0.2269% | 2,440 |
| Net loans and leases to total assets | 76.8900% | 1,007 |
| Net loans and leases to deposits | 95.5727% | 780 |
| Net loans and leases to core deposits | 98.0025% | 1,445 |
| Total domestic deposits to total assets | 80.4500% | 3,464 |
| Equity capital to assets | 8.1131% | 2,973 |
| Core capital (leverage) ratio | 9.2771% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $430,557,000 | 1,916 |
| Average earning assets | $390,082,250 | 1,950 |
| Average equity | $37,711,500 | 1,944 |
| Average total loans | $317,884,000 | 1,725 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8739% | 1,826 |
| Cost of funding earning assets | 0.6369% | 3,667 |
| Net interest margin | 4.2370% | 877 |
| Noninterest income to average assets | 1.7400% | 283 |
| Noninterest expense to average assets | 4.6217% | 253 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9516% | 2,581 |
| Return on assets (ROA) | 0.9516% | 2,570 |
| Pretax return on assets | 0.9516% | 3,043 |
| Return on Equity (ROE) | 10.5800% | 2,537 |
| Retained earnings to average equity (ytd only) | -2.6067% | 4,323 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.9252% | 661 |
| Assets per employee ($millions) | 3.4295% | 4,360 |
| Cash dividends to net income (ytd only)* | 124.6377% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5947% | 4,306 |
| Loan loss allowance to noncurrent loans | 351.3228% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 2,661 |
| Noncurrent loans to loans | 0.1693% | 2,630 |
| Net loans and leases to total assets | 74.6800% | 1,208 |
| Net loans and leases to deposits | 93.9787% | 868 |
| Net loans and leases to core deposits | 95.6539% | 1,481 |
| Total domestic deposits to total assets | 79.4700% | 3,654 |
| Equity capital to assets | 8.4443% | 2,908 |
| Core capital (leverage) ratio | 9.8892% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $420,535,000 | 1,951 |
| Average earning assets | $380,271,333 | 1,979 |
| Average equity | $37,825,000 | 1,947 |
| Average total loans | $305,121,000 | 1,754 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7075% | 1,832 |
| Cost of funding earning assets | 0.3467% | 4,084 |
| Net interest margin | 4.3608% | 729 |
| Noninterest income to average assets | 1.6100% | 302 |
| Noninterest expense to average assets | 4.8710% | 234 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6884% | 3,498 |
| Return on assets (ROA) | 0.6884% | 3,448 |
| Pretax return on assets | 0.6884% | 3,687 |
| Return on Equity (ROE) | 7.4100% | 3,429 |
| Retained earnings to average equity (ytd only) | -5.2013% | 4,335 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.6169% | 435 |
| Assets per employee ($millions) | 3.1508% | 4,477 |
| Cash dividends to net income (ytd only)* | 170.2279% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6597% | 4,293 |
| Loan loss allowance to noncurrent loans | 344.6367% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 2,535 |
| Noncurrent loans to loans | 0.1914% | 2,515 |
| Net loans and leases to total assets | 72.1200% | 1,414 |
| Net loans and leases to deposits | 85.5258% | 1,390 |
| Net loans and leases to core deposits | 86.7717% | 1,816 |
| Total domestic deposits to total assets | 84.3300% | 3,020 |
| Equity capital to assets | 9.1770% | 2,386 |
| Core capital (leverage) ratio | 10.3892% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $407,882,000 | 2,014 |
| Average earning assets | $369,198,500 | 2,040 |
| Average equity | $37,913,500 | 1,968 |
| Average total loans | $290,197,500 | 1,833 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3759% | 923 |
| Cost of funding earning assets | 0.1178% | 4,294 |
| Net interest margin | 4.2581% | 462 |
| Noninterest income to average assets | 2.0000% | 243 |
| Noninterest expense to average assets | 4.6833% | 246 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1672% | 1,904 |
| Return on assets (ROA) | 1.1672% | 1,839 |
| Pretax return on assets | 1.1672% | 2,537 |
| Return on Equity (ROE) | 12.5100% | 1,974 |
| Retained earnings to average equity (ytd only) | 4.1680% | 3,338 |
| Net charge-offs to loans | -0.0045% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.9243% | 721 |
| Assets per employee ($millions) | 3.0997% | 4,510 |
| Cash dividends to net income (ytd only)* | 66.6807% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 3,011 |
| Loan loss allowance to noncurrent loans | 486.5041% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 2,463 |
| Noncurrent loans to loans | 0.2209% | 2,385 |
| Net loans and leases to total assets | 68.8900% | 1,745 |
| Net loans and leases to deposits | 76.3891% | 2,070 |
| Net loans and leases to core deposits | 76.8842% | 2,361 |
| Total domestic deposits to total assets | 90.1800% | 1,281 |
| Equity capital to assets | 9.4181% | 2,072 |
| Core capital (leverage) ratio | 10.3407% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $405,740,600 | 2,008 |
| Average earning assets | $367,444,000 | 2,040 |
| Average equity | $37,860,200 | 2,004 |
| Average total loans | $286,845,400 | 1,781 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 885 |
| Cost of funding earning assets | 0.0954% | 4,319 |
| Net interest margin | 4.1094% | 506 |
| Noninterest income to average assets | 2.0700% | 261 |
| Noninterest expense to average assets | 4.6032% | 244 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.1804% | 1,770 |
| Return on assets (ROA) | 1.1804% | 1,740 |
| Pretax return on assets | 1.1804% | 2,446 |
| Return on Equity (ROE) | 12.6800% | 1,812 |
| Retained earnings to average equity (ytd only) | 3.6084% | 3,582 |
| Net charge-offs to loans | -0.0018% | 3,250 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.4249% | 808 |
| Assets per employee ($millions) | 3.1043% | 4,557 |
| Cash dividends to net income (ytd only)* | 71.5395% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 3,131 |
| Loan loss allowance to noncurrent loans | 527.0318% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 2,629 |
| Noncurrent loans to loans | 0.2036% | 2,584 |
| Net loans and leases to total assets | 67.6200% | 1,717 |
| Net loans and leases to deposits | 74.9699% | 1,964 |
| Net loans and leases to core deposits | 75.3948% | 2,245 |
| Total domestic deposits to total assets | 90.1900% | 1,574 |
| Equity capital to assets | 9.0396% | 2,185 |
| Core capital (leverage) ratio | 10.0428% | 2,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $407,211,750 | 2,019 |
| Average earning assets | $369,027,000 | 2,046 |
| Average equity | $37,910,500 | 2,027 |
| Average total loans | $288,948,000 | 1,772 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 1,082 |
| Cost of funding earning assets | 0.0886% | 4,302 |
| Net interest margin | 3.8301% | 704 |
| Noninterest income to average assets | 2.0938% | 219 |
| Noninterest expense to average assets | 4.4895% | 215 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0835% | 1,841 |
| Return on assets (ROA) | 1.0835% | 1,818 |
| Pretax return on assets | 1.0835% | 2,469 |
| Return on Equity (ROE) | 11.5267% | 1,825 |
| Retained earnings to average equity (ytd only) | -1.9429% | 4,382 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5585% | 902 |
| Assets per employee ($millions) | 3.0937% | 4,619 |
| Cash dividends to net income (ytd only)* | 116.8555% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,339 |
| Loan loss allowance to noncurrent loans | 1,362.5000% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,445 |
| Noncurrent loans to loans | 0.0776% | 3,397 |
| Net loans and leases to total assets | 68.4757% | 1,439 |
| Net loans and leases to deposits | 75.7194% | 1,703 |
| Net loans and leases to core deposits | 76.1520% | 2,003 |
| Total domestic deposits to total assets | 90.4335% | 1,501 |
| Equity capital to assets | 9.0652% | 2,345 |
| Core capital (leverage) ratio | 9.7542% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,393,333 | 2,023 |
| Average earning assets | $370,064,667 | 2,063 |
| Average equity | $38,293,667 | 2,070 |
| Average total loans | $292,609,667 | 1,742 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7337% | 1,209 |
| Cost of funding earning assets | 0.0848% | 4,302 |
| Net interest margin | 3.6489% | 821 |
| Noninterest income to average assets | 1.8810% | 262 |
| Noninterest expense to average assets | 4.2127% | 239 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9863% | 1,935 |
| Return on assets (ROA) | 0.9863% | 1,932 |
| Pretax return on assets | 0.9863% | 2,479 |
| Return on Equity (ROE) | 10.3133% | 1,852 |
| Retained earnings to average equity (ytd only) | -2.1320% | 4,258 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0283% | 1,068 |
| Assets per employee ($millions) | 3.2487% | 4,617 |
| Cash dividends to net income (ytd only)* | 120.6726% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 3,627 |
| 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 | 69.5489% | 1,061 |
| Net loans and leases to deposits | 77.5253% | 1,324 |
| Net loans and leases to core deposits | 78.0169% | 1,609 |
| Total domestic deposits to total assets | 89.7113% | 1,710 |
| Equity capital to assets | 9.3401% | 2,407 |
| Core capital (leverage) ratio | 9.8477% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $410,002,000 | 2,022 |
| Average earning assets | $372,823,500 | 2,060 |
| Average equity | $39,211,500 | 2,085 |
| Average total loans | $299,746,500 | 1,701 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 815 |
| Cost of funding earning assets | 0.0944% | 4,423 |
| Net interest margin | 4.2328% | 463 |
| Noninterest income to average assets | 2.6153% | 218 |
| Noninterest expense to average assets | 4.7277% | 194 |
| Loan and lease loss provision to assets | 0.0638% | 1,796 |
| Net operating income to assets | 1.6766% | 668 |
| Return on assets (ROA) | 1.6766% | 699 |
| Pretax return on assets | 1.6766% | 1,204 |
| Return on Equity (ROE) | 16.5071% | 678 |
| Retained earnings to average equity (ytd only) | 5.6396% | 2,503 |
| Net charge-offs to loans | 0.0007% | 2,673 |
| Credit loss provision to net charge-offs | 12,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 3,412.0000% | 35 |
| Efficiency ratio | 73.0936% | 1,405 |
| Assets per employee ($millions) | 3.2853% | 4,632 |
| Cash dividends to net income (ytd only)* | 65.8351% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 3,954 |
| 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 | 75.2237% | 568 |
| Net loans and leases to deposits | 83.5936% | 933 |
| Net loans and leases to core deposits | 84.0855% | 1,324 |
| Total domestic deposits to total assets | 89.9874% | 967 |
| Equity capital to assets | 9.7866% | 2,866 |
| Core capital (leverage) ratio | 9.8792% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $392,112,400 | 2,021 |
| Average earning assets | $356,905,000 | 2,055 |
| Average equity | $39,825,200 | 2,086 |
| Average total loans | $290,827,800 | 1,745 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3923% | 823 |
| Cost of funding earning assets | 0.0929% | 4,557 |
| Net interest margin | 4.2994% | 451 |
| Noninterest income to average assets | 2.7607% | 221 |
| Noninterest expense to average assets | 4.6660% | 203 |
| Loan and lease loss provision to assets | 0.0859% | 1,387 |
| Net operating income to assets | 1.9270% | 531 |
| Return on assets (ROA) | 1.9270% | 552 |
| Pretax return on assets | 1.9270% | 902 |
| Return on Equity (ROE) | 18.7912% | 537 |
| Retained earnings to average equity (ytd only) | 6.1138% | 2,772 |
| Net charge-offs to loans | 0.0014% | 2,371 |
| Credit loss provision to net charge-offs | 8,333.3333% | 94 |
| Earnings coverage of net charge-offs (x) | 1,950.0000% | 73 |
| Efficiency ratio | 69.8609% | 1,617 |
| Assets per employee ($millions) | 3.3222% | 4,691 |
| Cash dividends to net income (ytd only)* | 67.4643% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 4,039 |
| Loan loss allowance to noncurrent loans | 140.6310% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 1,452 |
| Noncurrent loans to loans | 0.6672% | 1,639 |
| Net loans and leases to total assets | 77.9095% | 411 |
| Net loans and leases to deposits | 88.6348% | 680 |
| Net loans and leases to core deposits | 89.1893% | 1,082 |
| Total domestic deposits to total assets | 87.8995% | 1,903 |
| Equity capital to assets | 10.0780% | 2,823 |
| Core capital (leverage) ratio | 9.5555% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $387,475,000 | 2,055 |
| Average earning assets | $353,128,250 | 2,088 |
| Average equity | $39,734,000 | 2,116 |
| Average total loans | $285,570,250 | 1,794 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 826 |
| Cost of funding earning assets | 0.0917% | 4,626 |
| Net interest margin | 4.3330% | 463 |
| Noninterest income to average assets | 2.9900% | 184 |
| Noninterest expense to average assets | 4.5254% | 215 |
| Loan and lease loss provision to assets | 0.1303% | 956 |
| Net operating income to assets | 2.2755% | 296 |
| Return on assets (ROA) | 2.2755% | 313 |
| Pretax return on assets | 2.2755% | 505 |
| Return on Equity (ROE) | 22.0583% | 311 |
| Retained earnings to average equity (ytd only) | 5.7647% | 2,902 |
| Net charge-offs to loans | 0.0014% | 2,174 |
| Credit loss provision to net charge-offs | 12,500.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 2,308.0000% | 40 |
| Efficiency ratio | 65.2906% | 2,257 |
| Assets per employee ($millions) | 3.3947% | 4,698 |
| Cash dividends to net income (ytd only)* | 73.8662% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 4,023 |
| Loan loss allowance to noncurrent loans | 143.2117% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 1,641 |
| Noncurrent loans to loans | 0.6572% | 1,777 |
| Net loans and leases to total assets | 76.6802% | 529 |
| Net loans and leases to deposits | 90.2002% | 641 |
| Net loans and leases to core deposits | 91.0500% | 1,061 |
| Total domestic deposits to total assets | 85.0111% | 3,089 |
| Equity capital to assets | 9.7548% | 3,089 |
| Core capital (leverage) ratio | 10.0102% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $383,743,667 | 2,065 |
| Average earning assets | $349,039,000 | 2,096 |
| Average equity | $39,586,000 | 2,113 |
| Average total loans | $276,246,000 | 1,852 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4110% | 902 |
| Cost of funding earning assets | 0.0977% | 4,663 |
| Net interest margin | 4.3133% | 507 |
| Noninterest income to average assets | 4.1902% | 137 |
| Noninterest expense to average assets | 4.8561% | 182 |
| Loan and lease loss provision to assets | 0.1392% | 968 |
| Net operating income to assets | 3.1186% | 139 |
| Return on assets (ROA) | 3.1186% | 152 |
| Pretax return on assets | 3.1186% | 210 |
| Return on Equity (ROE) | 29.3679% | 150 |
| Retained earnings to average equity (ytd only) | 21.8066% | 217 |
| Net charge-offs to loans | 0.0016% | 1,878 |
| Credit loss provision to net charge-offs | 13,000.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 3,043.0000% | 15 |
| Efficiency ratio | 59.8496% | 3,053 |
| Assets per employee ($millions) | 3.2331% | 4,778 |
| Cash dividends to net income (ytd only)* | 25.7467% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 3,795 |
| 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 | 71.8362% | 1,046 |
| Net loans and leases to deposits | 80.5632% | 1,466 |
| Net loans and leases to core deposits | 81.3842% | 1,884 |
| Total domestic deposits to total assets | 89.1675% | 1,255 |
| Equity capital to assets | 10.5216% | 2,254 |
| Core capital (leverage) ratio | 10.6623% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $373,632,500 | 2,092 |
| Average earning assets | $339,879,500 | 2,125 |
| Average equity | $39,676,000 | 2,101 |
| Average total loans | $258,016,500 | 1,923 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9427% | 550 |
| Cost of funding earning assets | 0.1837% | 4,634 |
| Net interest margin | 4.7591% | 186 |
| Noninterest income to average assets | 3.2838% | 171 |
| Noninterest expense to average assets | 5.3752% | 163 |
| Loan and lease loss provision to assets | 0.1396% | 2,612 |
| Net operating income to assets | 2.1169% | 212 |
| Return on assets (ROA) | 2.1472% | 213 |
| Pretax return on assets | 2.1472% | 330 |
| Return on Equity (ROE) | 22.3118% | 154 |
| Retained earnings to average equity (ytd only) | 6.5009% | 1,590 |
| Net charge-offs to loans | -0.0335% | 4,571 |
| Credit loss provision to net charge-offs | -605.2632% | 3,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4330% | 1,890 |
| Assets per employee ($millions) | 3.1524% | 4,774 |
| Cash dividends to net income (ytd only)* | 70.8634% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 3,270 |
| Loan loss allowance to noncurrent loans | 6,570.7317% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,372 |
| Noncurrent loans to loans | 0.0173% | 4,285 |
| Net loans and leases to total assets | 64.5838% | 2,282 |
| Net loans and leases to deposits | 72.4817% | 2,639 |
| Net loans and leases to core deposits | 73.2706% | 2,973 |
| Total domestic deposits to total assets | 89.1036% | 942 |
| Equity capital to assets | 10.7224% | 2,501 |
| Core capital (leverage) ratio | 10.3191% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $329,588,400 | 2,138 |
| Average earning assets | $301,108,400 | 2,171 |
| Average equity | $31,718,600 | 2,398 |
| Average total loans | $226,884,000 | 2,056 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2211% | 400 |
| Cost of funding earning assets | 0.2109% | 4,629 |
| Net interest margin | 5.0102% | 136 |
| Noninterest income to average assets | 3.1400% | 174 |
| Noninterest expense to average assets | 5.1385% | 177 |
| Loan and lease loss provision to assets | 0.1285% | 2,741 |
| Net operating income to assets | 2.4566% | 153 |
| Return on assets (ROA) | 2.4981% | 153 |
| Pretax return on assets | 2.4981% | 211 |
| Return on Equity (ROE) | 26.8215% | 92 |
| Retained earnings to average equity (ytd only) | 14.9498% | 202 |
| Net charge-offs to loans | -0.0446% | 4,642 |
| Credit loss provision to net charge-offs | -413.3333% | 3,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5288% | 2,398 |
| Assets per employee ($millions) | 3.1338% | 4,801 |
| Cash dividends to net income (ytd only)* | 44.2618% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 3,503 |
| Loan loss allowance to noncurrent loans | 2,312.7273% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 4,309 |
| Noncurrent loans to loans | 0.0451% | 4,202 |
| Net loans and leases to total assets | 66.9334% | 2,392 |
| Net loans and leases to deposits | 75.5957% | 2,791 |
| Net loans and leases to core deposits | 76.2907% | 3,145 |
| Total domestic deposits to total assets | 88.5413% | 957 |
| Equity capital to assets | 11.1609% | 2,273 |
| Core capital (leverage) ratio | 10.6061% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,354,750 | 2,164 |
| Average earning assets | $294,007,000 | 2,192 |
| Average equity | $29,930,500 | 2,474 |
| Average total loans | $224,398,750 | 2,073 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5534% | 307 |
| Cost of funding earning assets | 0.2365% | 4,662 |
| Net interest margin | 5.3169% | 112 |
| Noninterest income to average assets | 2.8507% | 175 |
| Noninterest expense to average assets | 5.1774% | 177 |
| Loan and lease loss provision to assets | 0.1168% | 2,852 |
| Net operating income to assets | 2.4123% | 159 |
| Return on assets (ROA) | 2.4395% | 168 |
| Pretax return on assets | 2.4395% | 236 |
| Return on Equity (ROE) | 28.3853% | 75 |
| Retained earnings to average equity (ytd only) | 15.9323% | 180 |
| Net charge-offs to loans | -0.0697% | 4,765 |
| Credit loss provision to net charge-offs | -236.8421% | 3,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1829% | 2,355 |
| Assets per employee ($millions) | 3.1863% | 4,795 |
| Cash dividends to net income (ytd only)* | 43.8713% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,582 |
| Loan loss allowance to noncurrent loans | 844.4056% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 4,126 |
| Noncurrent loans to loans | 0.1183% | 3,976 |
| Net loans and leases to total assets | 66.4745% | 2,562 |
| Net loans and leases to deposits | 78.9858% | 2,544 |
| Net loans and leases to core deposits | 79.7474% | 2,970 |
| Total domestic deposits to total assets | 84.1600% | 2,701 |
| Equity capital to assets | 7.9916% | 4,721 |
| Core capital (leverage) ratio | 8.7356% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1366% | 1,457 |
| Memoranda: | ||
| Average total assets | $308,342,667 | 2,203 |
| Average earning assets | $281,592,333 | 2,238 |
| Average equity | $26,499,667 | 2,684 |
| Average total loans | $217,943,000 | 2,100 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7298% | 1,619 |
| Cost of funding earning assets | 0.3063% | 4,640 |
| Net interest margin | 4.4236% | 592 |
| Noninterest income to average assets | 2.2840% | 224 |
| Noninterest expense to average assets | 5.1259% | 212 |
| Loan and lease loss provision to assets | 0.1274% | 2,117 |
| Net operating income to assets | 1.0393% | 2,040 |
| Return on assets (ROA) | 1.0988% | 1,948 |
| Pretax return on assets | 1.0988% | 2,526 |
| Return on Equity (ROE) | 12.2385% | 1,047 |
| Retained earnings to average equity (ytd only) | 4.7472% | 2,392 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4581% | 1,007 |
| Assets per employee ($millions) | 2.4203% | 4,977 |
| Cash dividends to net income (ytd only)* | 61.2113% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 3,256 |
| Loan loss allowance to noncurrent loans | 530.1887% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 3,889 |
| Noncurrent loans to loans | 0.2058% | 3,746 |
| Net loans and leases to total assets | 73.2194% | 1,745 |
| Net loans and leases to deposits | 81.4397% | 2,529 |
| Net loans and leases to core deposits | 82.4719% | 2,981 |
| Total domestic deposits to total assets | 89.9063% | 351 |
| Equity capital to assets | 9.0669% | 4,563 |
| Core capital (leverage) ratio | 9.0965% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8128% | 1,659 |
| Memoranda: | ||
| Average total assets | $282,488,500 | 2,306 |
| Average earning assets | $255,991,500 | 2,342 |
| Average equity | $25,362,500 | 2,757 |
| Average total loans | $206,036,000 | 2,140 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9679% | 1,557 |
| Cost of funding earning assets | 0.2800% | 4,774 |
| Net interest margin | 4.6879% | 487 |
| Noninterest income to average assets | 2.5916% | 191 |
| Noninterest expense to average assets | 5.1281% | 198 |
| Loan and lease loss provision to assets | 0.1287% | 1,664 |
| Net operating income to assets | 1.6088% | 823 |
| Return on assets (ROA) | 1.6306% | 830 |
| Pretax return on assets | 1.6306% | 1,400 |
| Return on Equity (ROE) | 18.6703% | 292 |
| Retained earnings to average equity (ytd only) | 4.1139% | 2,911 |
| Net charge-offs to loans | -0.0005% | 4,149 |
| Credit loss provision to net charge-offs | -36,000.0000% | 4,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6928% | 1,524 |
| Assets per employee ($millions) | 2.5824% | 4,977 |
| Cash dividends to net income (ytd only)* | 77.9654% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,228 |
| Loan loss allowance to noncurrent loans | 1,927.6786% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 4,442 |
| Noncurrent loans to loans | 0.0544% | 4,329 |
| Net loans and leases to total assets | 71.1235% | 2,232 |
| Net loans and leases to deposits | 78.8975% | 2,917 |
| Net loans and leases to core deposits | 79.8640% | 3,301 |
| Total domestic deposits to total assets | 90.1467% | 276 |
| Equity capital to assets | 8.8922% | 4,739 |
| Core capital (leverage) ratio | 8.8591% | 4,633 |
| Tier 1 risk-based capital ratio | 14.2430% | 3,146 |
| Total risk-based capital ratio | 15.4659% | 3,075 |
| Memoranda: | ||
| Average total assets | $279,714,600 | 2,273 |
| Average earning assets | $255,015,800 | 2,303 |
| Average equity | $24,429,200 | 2,756 |
| Average total loans | $193,444,200 | 2,211 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9806% | 1,590 |
| Cost of funding earning assets | 0.2682% | 4,880 |
| Net interest margin | 4.7123% | 488 |
| Noninterest income to average assets | 2.5872% | 191 |
| Noninterest expense to average assets | 5.0808% | 201 |
| Loan and lease loss provision to assets | 0.1295% | 1,494 |
| Net operating income to assets | 1.6826% | 773 |
| Return on assets (ROA) | 1.7118% | 767 |
| Pretax return on assets | 1.7118% | 1,310 |
| Return on Equity (ROE) | 19.6925% | 273 |
| Retained earnings to average equity (ytd only) | 3.2168% | 3,799 |
| Net charge-offs to loans | -0.0014% | 4,022 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7109% | 1,614 |
| Assets per employee ($millions) | 2.5959% | 5,050 |
| Cash dividends to net income (ytd only)* | 83.6648% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,369 |
| Loan loss allowance to noncurrent loans | 667.7419% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 4,173 |
| Noncurrent loans to loans | 0.1551% | 3,983 |
| Net loans and leases to total assets | 68.6590% | 2,684 |
| Net loans and leases to deposits | 76.3027% | 3,264 |
| Net loans and leases to core deposits | 77.1874% | 3,617 |
| Total domestic deposits to total assets | 89.9824% | 289 |
| Equity capital to assets | 8.7293% | 4,908 |
| Core capital (leverage) ratio | 8.8118% | 4,768 |
| Tier 1 risk-based capital ratio | 14.4204% | 3,122 |
| Total risk-based capital ratio | 15.6281% | 3,051 |
| Memoranda: | ||
| Average total assets | $277,982,000 | 2,300 |
| Average earning assets | $253,993,750 | 2,327 |
| Average equity | $24,164,250 | 2,794 |
| Average total loans | $190,297,500 | 2,251 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8719% | 1,842 |
| Cost of funding earning assets | 0.2522% | 4,955 |
| Net interest margin | 4.6197% | 593 |
| Noninterest income to average assets | 2.4720% | 200 |
| Noninterest expense to average assets | 5.0198% | 217 |
| Loan and lease loss provision to assets | 0.1311% | 1,430 |
| Net operating income to assets | 1.5506% | 1,012 |
| Return on assets (ROA) | 1.5506% | 1,051 |
| Pretax return on assets | 1.5506% | 1,697 |
| Return on Equity (ROE) | 17.8647% | 387 |
| Retained earnings to average equity (ytd only) | -2.1565% | 4,923 |
| Net charge-offs to loans | -0.0011% | 3,900 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9049% | 1,526 |
| Assets per employee ($millions) | 2.4762% | 5,132 |
| Cash dividends to net income (ytd only)* | 112.0714% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 3,408 |
| Loan loss allowance to noncurrent loans | 1,019.5876% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 4,405 |
| Noncurrent loans to loans | 0.1017% | 4,217 |
| Net loans and leases to total assets | 68.7075% | 2,725 |
| Net loans and leases to deposits | 76.5559% | 3,281 |
| Net loans and leases to core deposits | 77.1703% | 3,634 |
| Total domestic deposits to total assets | 89.7482% | 403 |
| Equity capital to assets | 8.8475% | 4,879 |
| Core capital (leverage) ratio | 8.7899% | 4,787 |
| Tier 1 risk-based capital ratio | 13.9375% | 3,347 |
| Total risk-based capital ratio | 15.0918% | 3,304 |
| Memoranda: | ||
| Average total assets | $274,595,000 | 2,330 |
| Average earning assets | $251,400,330 | 2,355 |
| Average equity | $23,834,670 | 2,813 |
| Average total loans | $187,094,670 | 2,284 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6494% | 2,378 |
| Cost of funding earning assets | 0.2382% | 5,016 |
| Net interest margin | 4.4112% | 878 |
| Noninterest income to average assets | 2.2779% | 205 |
| Noninterest expense to average assets | 4.8342% | 230 |
| Loan and lease loss provision to assets | 0.1312% | 1,328 |
| Net operating income to assets | 1.3612% | 1,483 |
| Return on assets (ROA) | 1.3612% | 1,526 |
| Pretax return on assets | 1.3612% | 2,232 |
| Return on Equity (ROE) | 15.8352% | 609 |
| Retained earnings to average equity (ytd only) | -1.5428% | 4,711 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4110% | 1,456 |
| Assets per employee ($millions) | 2.4995% | 5,186 |
| Cash dividends to net income (ytd only)* | 109.7430% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 3,557 |
| Loan loss allowance to noncurrent loans | 2,145.4545% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 4,508 |
| Noncurrent loans to loans | 0.0478% | 4,548 |
| Net loans and leases to total assets | 66.9281% | 2,912 |
| Net loans and leases to deposits | 74.4446% | 3,411 |
| Net loans and leases to core deposits | 74.7918% | 3,748 |
| Total domestic deposits to total assets | 89.9032% | 488 |
| Equity capital to assets | 8.7306% | 4,861 |
| Core capital (leverage) ratio | 8.9436% | 4,686 |
| Tier 1 risk-based capital ratio | 15.4201% | 2,691 |
| Total risk-based capital ratio | 16.6307% | 2,625 |
| Memoranda: | ||
| Average total assets | $274,463,500 | 2,345 |
| Average earning assets | $251,902,000 | 2,365 |
| Average equity | $23,593,000 | 2,836 |
| Average total loans | $185,229,000 | 2,317 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 2,704 |
| Cost of funding earning assets | 0.1706% | 5,110 |
| Net interest margin | 4.2478% | 1,284 |
| Noninterest income to average assets | 2.4267% | 207 |
| Noninterest expense to average assets | 4.8898% | 219 |
| Loan and lease loss provision to assets | 0.1366% | 1,574 |
| Net operating income to assets | 1.2807% | 1,874 |
| Return on assets (ROA) | 1.2807% | 1,871 |
| Pretax return on assets | 1.2822% | 2,570 |
| Return on Equity (ROE) | 15.6901% | 688 |
| Retained earnings to average equity (ytd only) | 5.5870% | 2,426 |
| Net charge-offs to loans | 0.0960% | 1,804 |
| Credit loss provision to net charge-offs | 210.6742% | 1,375 |
| Earnings coverage of net charge-offs (x) | 21.8820% | 1,925 |
| Efficiency ratio | 77.5102% | 1,182 |
| Assets per employee ($millions) | 2.5135% | 5,206 |
| Cash dividends to net income (ytd only)* | 64.3914% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 3,884 |
| Loan loss allowance to noncurrent loans | 459.5908% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 3,953 |
| Noncurrent loans to loans | 0.2100% | 3,827 |
| Net loans and leases to total assets | 66.7062% | 3,038 |
| Net loans and leases to deposits | 73.9411% | 3,508 |
| Net loans and leases to core deposits | 74.1280% | 3,844 |
| Total domestic deposits to total assets | 90.2153% | 410 |
| Equity capital to assets | 8.4634% | 4,953 |
| Core capital (leverage) ratio | 8.9925% | 4,662 |
| Tier 1 risk-based capital ratio | 15.0392% | 2,814 |
| Total risk-based capital ratio | 16.1586% | 2,805 |
| Memoranda: | ||
| Average total assets | $274,528,200 | 2,298 |
| Average earning assets | $250,882,400 | 2,330 |
| Average equity | $22,409,000 | 2,868 |
| Average total loans | $185,322,400 | 2,293 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 2,807 |
| Cost of funding earning assets | 0.1556% | 5,204 |
| Net interest margin | 4.1886% | 1,388 |
| Noninterest income to average assets | 2.4901% | 207 |
| Noninterest expense to average assets | 4.8975% | 217 |
| Loan and lease loss provision to assets | 0.1460% | 1,358 |
| Net operating income to assets | 1.2684% | 1,971 |
| Return on assets (ROA) | 1.2684% | 1,978 |
| Pretax return on assets | 1.2703% | 2,725 |
| Return on Equity (ROE) | 15.6846% | 750 |
| Retained earnings to average equity (ytd only) | 4.3739% | 3,572 |
| Net charge-offs to loans | 0.0014% | 3,450 |
| Credit loss provision to net charge-offs | 15,000.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 1,453.6479% | 53 |
| Efficiency ratio | 77.5680% | 1,164 |
| Assets per employee ($millions) | 2.4329% | 5,303 |
| Cash dividends to net income (ytd only)* | 72.1135% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 3,924 |
| Loan loss allowance to noncurrent loans | 306.7851% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 3,673 |
| Noncurrent loans to loans | 0.3175% | 3,531 |
| Net loans and leases to total assets | 70.2188% | 2,611 |
| Net loans and leases to deposits | 77.8553% | 3,249 |
| Net loans and leases to core deposits | 78.1314% | 3,644 |
| Total domestic deposits to total assets | 90.1914% | 441 |
| Equity capital to assets | 8.1649% | 5,101 |
| Core capital (leverage) ratio | 8.7735% | 4,902 |
| Tier 1 risk-based capital ratio | 14.4261% | 3,158 |
| Total risk-based capital ratio | 15.5862% | 3,116 |
| Memoranda: | ||
| Average total assets | $274,039,250 | 2,312 |
| Average earning assets | $250,162,250 | 2,351 |
| Average equity | $22,161,250 | 2,900 |
| Average total loans | $185,095,750 | 2,305 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 3,862 |
| Cost of funding earning assets | 0.1420% | 5,276 |
| Net interest margin | 3.8319% | 2,444 |
| Noninterest income to average assets | 2.4673% | 212 |
| Noninterest expense to average assets | 4.7855% | 241 |
| Loan and lease loss provision to assets | 0.1461% | 1,305 |
| Net operating income to assets | 1.0418% | 2,842 |
| Return on assets (ROA) | 1.0418% | 2,843 |
| Pretax return on assets | 1.0448% | 3,527 |
| Return on Equity (ROE) | 12.9249% | 1,397 |
| Retained earnings to average equity (ytd only) | -2.2569% | 5,172 |
| Net charge-offs to loans | 0.0011% | 3,178 |
| Credit loss provision to net charge-offs | 20,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 1,630.0000% | 46 |
| Efficiency ratio | 80.0733% | 1,014 |
| Assets per employee ($millions) | 2.4360% | 5,349 |
| Cash dividends to net income (ytd only)* | 117.4614% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 4,054 |
| Loan loss allowance to noncurrent loans | 292.2078% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.2585% | 3,731 |
| Noncurrent loans to loans | 0.3292% | 3,523 |
| Net loans and leases to total assets | 68.5308% | 2,789 |
| Net loans and leases to deposits | 75.7850% | 3,357 |
| Net loans and leases to core deposits | 76.1366% | 3,735 |
| Total domestic deposits to total assets | 90.4279% | 423 |
| Equity capital to assets | 8.0070% | 5,220 |
| Core capital (leverage) ratio | 8.5066% | 5,107 |
| Tier 1 risk-based capital ratio | 14.0266% | 3,350 |
| Total risk-based capital ratio | 15.1418% | 3,325 |
| Memoranda: | ||
| Average total assets | $273,745,000 | 2,321 |
| Average earning assets | $250,682,000 | 2,351 |
| Average equity | $22,066,000 | 2,919 |
| Average total loans | $181,812,330 | 2,342 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 3,971 |
| Cost of funding earning assets | 0.1429% | 5,301 |
| Net interest margin | 3.7421% | 2,642 |
| Noninterest income to average assets | 2.4254% | 208 |
| Noninterest expense to average assets | 4.7274% | 255 |
| Loan and lease loss provision to assets | 0.1815% | 944 |
| Net operating income to assets | 0.9339% | 3,136 |
| Return on assets (ROA) | 0.9339% | 3,156 |
| Pretax return on assets | 0.9397% | 3,730 |
| Return on Equity (ROE) | 11.5474% | 1,747 |
| Retained earnings to average equity (ytd only) | 1.2212% | 4,573 |
| Net charge-offs to loans | 0.0045% | 2,577 |
| Credit loss provision to net charge-offs | 6,250.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 386.0000% | 176 |
| Efficiency ratio | 80.8294% | 1,060 |
| Assets per employee ($millions) | 2.3925% | 5,419 |
| Cash dividends to net income (ytd only)* | 89.4246% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9688% | 4,123 |
| Loan loss allowance to noncurrent loans | 153.1083% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 3,043 |
| Noncurrent loans to loans | 0.6327% | 2,649 |
| Net loans and leases to total assets | 65.7691% | 3,070 |
| Net loans and leases to deposits | 73.0689% | 3,509 |
| Net loans and leases to core deposits | 73.4123% | 3,858 |
| Total domestic deposits to total assets | 90.0097% | 652 |
| Equity capital to assets | 8.2456% | 5,148 |
| Core capital (leverage) ratio | 8.5474% | 5,110 |
| Tier 1 risk-based capital ratio | 14.6919% | 3,029 |
| Total risk-based capital ratio | 15.7951% | 3,000 |
| Memoranda: | ||
| Average total assets | $275,417,000 | 2,337 |
| Average earning assets | $251,943,500 | 2,357 |
| Average equity | $22,273,500 | 2,934 |
| Average total loans | $179,164,500 | 2,371 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7822% | 4,101 |
| Cost of funding earning assets | 0.1464% | 5,280 |
| Net interest margin | 3.6358% | 3,038 |
| Noninterest income to average assets | 2.6078% | 211 |
| Noninterest expense to average assets | 4.7638% | 257 |
| Loan and lease loss provision to assets | 0.0955% | 2,294 |
| Net operating income to assets | 1.0859% | 1,901 |
| Return on assets (ROA) | 1.0848% | 1,935 |
| Pretax return on assets | 1.0870% | 3,236 |
| Return on Equity (ROE) | 14.7163% | 653 |
| Retained earnings to average equity (ytd only) | 4.4254% | 2,504 |
| Net charge-offs to loans | 0.0842% | 2,254 |
| Credit loss provision to net charge-offs | 168.8312% | 1,594 |
| Earnings coverage of net charge-offs (x) | 20.9221% | 1,941 |
| Efficiency ratio | 80.0988% | 1,094 |
| Assets per employee ($millions) | 2.5716% | 5,431 |
| Cash dividends to net income (ytd only)* | 69.9289% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 4,536 |
| Loan loss allowance to noncurrent loans | 139.9476% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 3,132 |
| Noncurrent loans to loans | 0.6343% | 2,633 |
| Net loans and leases to total assets | 63.1974% | 3,464 |
| Net loans and leases to deposits | 69.9360% | 3,882 |
| Net loans and leases to core deposits | 70.2454% | 4,160 |
| Total domestic deposits to total assets | 90.3646% | 446 |
| Equity capital to assets | 7.9371% | 5,415 |
| Core capital (leverage) ratio | 8.4186% | 5,207 |
| Tier 1 risk-based capital ratio | 14.4630% | 3,108 |
| Total risk-based capital ratio | 15.4746% | 3,131 |
| Memoranda: | ||
| Average total assets | $272,218,800 | 2,335 |
| Average earning assets | $250,041,600 | 2,348 |
| Average equity | $20,066,200 | 3,136 |
| Average total loans | $182,974,600 | 2,292 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7564% | 4,155 |
| Cost of funding earning assets | 0.1478% | 5,326 |
| Net interest margin | 3.6086% | 3,116 |
| Noninterest income to average assets | 2.6349% | 217 |
| Noninterest expense to average assets | 4.7143% | 266 |
| Loan and lease loss provision to assets | 0.0989% | 2,135 |
| Net operating income to assets | 1.1401% | 1,915 |
| Return on assets (ROA) | 1.1386% | 1,975 |
| Pretax return on assets | 1.1416% | 3,150 |
| Return on Equity (ROE) | 15.7642% | 552 |
| Retained earnings to average equity (ytd only) | 3.8486% | 3,632 |
| Net charge-offs to loans | 0.0036% | 3,606 |
| Credit loss provision to net charge-offs | 4,000.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 501.9370% | 203 |
| Efficiency ratio | 79.1480% | 1,197 |
| Assets per employee ($millions) | 2.5358% | 5,513 |
| Cash dividends to net income (ytd only)* | 75.5863% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 4,579 |
| Loan loss allowance to noncurrent loans | 138.8661% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 2,825 |
| Noncurrent loans to loans | 0.6465% | 2,777 |
| Net loans and leases to total assets | 68.1131% | 2,833 |
| Net loans and leases to deposits | 75.6520% | 3,406 |
| Net loans and leases to core deposits | 75.9199% | 3,806 |
| Total domestic deposits to total assets | 90.0347% | 464 |
| Equity capital to assets | 8.1834% | 5,445 |
| Core capital (leverage) ratio | 8.3781% | 5,331 |
| Tier 1 risk-based capital ratio | 13.9532% | 3,465 |
| Total risk-based capital ratio | 14.9980% | 3,490 |
| Memoranda: | ||
| Average total assets | $269,555,000 | 2,368 |
| Average earning assets | $248,103,250 | 2,381 |
| Average equity | $19,469,750 | 3,224 |
| Average total loans | $183,625,750 | 2,302 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6671% | 4,325 |
| Cost of funding earning assets | 0.1474% | 5,353 |
| Net interest margin | 3.5197% | 3,324 |
| Noninterest income to average assets | 2.4840% | 229 |
| Noninterest expense to average assets | 4.6107% | 284 |
| Loan and lease loss provision to assets | 0.0821% | 2,350 |
| Net operating income to assets | 1.0279% | 2,297 |
| Return on assets (ROA) | 1.0279% | 2,337 |
| Pretax return on assets | 1.0324% | 3,437 |
| Return on Equity (ROE) | 14.9062% | 678 |
| Retained earnings to average equity (ytd only) | -0.9952% | 5,232 |
| Net charge-offs to loans | 0.0055% | 3,269 |
| Credit loss provision to net charge-offs | 2,200.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 298.8000% | 281 |
| Efficiency ratio | 80.5342% | 1,156 |
| Assets per employee ($millions) | 2.5375% | 5,535 |
| Cash dividends to net income (ytd only)* | 106.6763% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 4,815 |
| Loan loss allowance to noncurrent loans | 113.2343% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 2,621 |
| Noncurrent loans to loans | 0.7501% | 2,518 |
| Net loans and leases to total assets | 68.7861% | 2,694 |
| Net loans and leases to deposits | 76.2417% | 3,315 |
| Net loans and leases to core deposits | 76.5216% | 3,728 |
| Total domestic deposits to total assets | 90.2211% | 462 |
| Equity capital to assets | 8.0239% | 5,527 |
| Core capital (leverage) ratio | 8.3703% | 5,308 |
| Tier 1 risk-based capital ratio | 13.5482% | 3,676 |
| Total risk-based capital ratio | 14.5377% | 3,731 |
| Memoranda: | ||
| Average total assets | $268,116,330 | 2,383 |
| Average earning assets | $246,898,000 | 2,400 |
| Average equity | $18,489,000 | 3,335 |
| Average total loans | $182,090,330 | 2,324 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 4,439 |
| Cost of funding earning assets | 0.1467% | 5,400 |
| Net interest margin | 3.4479% | 3,455 |
| Noninterest income to average assets | 2.4293% | 244 |
| Noninterest expense to average assets | 4.5087% | 333 |
| Loan and lease loss provision to assets | 0.0601% | 2,599 |
| Net operating income to assets | 1.0270% | 2,182 |
| Return on assets (ROA) | 1.0270% | 2,233 |
| Pretax return on assets | 1.0360% | 3,213 |
| Return on Equity (ROE) | 16.2465% | 498 |
| Retained earnings to average equity (ytd only) | 3.1828% | 3,831 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4447% | 1,327 |
| Assets per employee ($millions) | 2.5345% | 5,607 |
| Cash dividends to net income (ytd only)* | 80.4094% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 4,843 |
| Loan loss allowance to noncurrent loans | 126.8595% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 2,908 |
| Noncurrent loans to loans | 0.6904% | 2,773 |
| Net loans and leases to total assets | 65.2810% | 3,079 |
| Net loans and leases to deposits | 71.0508% | 3,691 |
| Net loans and leases to core deposits | 71.3851% | 4,042 |
| Total domestic deposits to total assets | 91.8793% | 118 |
| Equity capital to assets | 6.3569% | 5,796 |
| Core capital (leverage) ratio | 6.5813% | 5,789 |
| Tier 1 risk-based capital ratio | 11.2270% | 5,187 |
| Total risk-based capital ratio | 12.2328% | 5,236 |
| Memoranda: | ||
| Average total assets | $266,417,500 | 2,418 |
| Average earning assets | $245,367,000 | 2,434 |
| Average equity | $16,840,500 | 3,568 |
| Average total loans | $178,953,500 | 2,372 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7042% | 4,195 |
| Cost of funding earning assets | 0.1522% | 5,411 |
| Net interest margin | 3.5520% | 3,244 |
| Noninterest income to average assets | 3.2442% | 179 |
| Noninterest expense to average assets | 4.6881% | 321 |
| Loan and lease loss provision to assets | 0.1556% | 1,600 |
| Net operating income to assets | 1.6680% | 586 |
| Return on assets (ROA) | 1.6680% | 614 |
| Pretax return on assets | 1.6703% | 1,082 |
| Return on Equity (ROE) | 25.9739% | 66 |
| Retained earnings to average equity (ytd only) | 5.4590% | 2,039 |
| Net charge-offs to loans | 0.2155% | 1,283 |
| Credit loss provision to net charge-offs | 102.5641% | 2,519 |
| Earnings coverage of net charge-offs (x) | 12.0333% | 2,491 |
| Efficiency ratio | 71.9687% | 2,592 |
| Assets per employee ($millions) | 2.5645% | 5,633 |
| Cash dividends to net income (ytd only)* | 78.9830% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 5,054 |
| Loan loss allowance to noncurrent loans | 74.0466% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 0.9662% | 1,957 |
| Noncurrent loans to loans | 1.1054% | 1,874 |
| Net loans and leases to total assets | 67.9194% | 2,782 |
| Net loans and leases to deposits | 73.5052% | 3,564 |
| Net loans and leases to core deposits | 73.8477% | 3,936 |
| Total domestic deposits to total assets | 92.4008% | 73 |
| Equity capital to assets | 6.2854% | 5,845 |
| Core capital (leverage) ratio | 6.5872% | 5,835 |
| Tier 1 risk-based capital ratio | 11.0187% | 5,337 |
| Total risk-based capital ratio | 11.9877% | 5,374 |
| Memoranda: | ||
| Average total assets | $257,014,400 | 2,456 |
| Average earning assets | $236,597,200 | 2,464 |
| Average equity | $16,505,000 | 3,624 |
| Average total loans | $180,939,200 | 2,302 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7266% | 4,159 |
| Cost of funding earning assets | 0.1520% | 5,471 |
| Net interest margin | 3.5746% | 3,180 |
| Noninterest income to average assets | 3.4297% | 173 |
| Noninterest expense to average assets | 4.5735% | 361 |
| Loan and lease loss provision to assets | 0.1440% | 1,626 |
| Net operating income to assets | 1.9964% | 346 |
| Return on assets (ROA) | 1.9964% | 357 |
| Pretax return on assets | 1.9995% | 570 |
| Return on Equity (ROE) | 30.9152% | 34 |
| Retained earnings to average equity (ytd only) | 6.0663% | 2,151 |
| Net charge-offs to loans | 0.1396% | 1,595 |
| Credit loss provision to net charge-offs | 145.5026% | 1,807 |
| Earnings coverage of net charge-offs (x) | 21.6564% | 1,813 |
| Efficiency ratio | 68.0883% | 3,209 |
| Assets per employee ($millions) | 2.5161% | 5,713 |
| Cash dividends to net income (ytd only)* | 80.3777% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 4,991 |
| Loan loss allowance to noncurrent loans | 75.1675% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 0.9279% | 2,242 |
| Noncurrent loans to loans | 1.1492% | 1,957 |
| Net loans and leases to total assets | 68.9002% | 2,658 |
| Net loans and leases to deposits | 75.3554% | 3,463 |
| Net loans and leases to core deposits | 75.7006% | 3,873 |
| Total domestic deposits to total assets | 91.4337% | 122 |
| Equity capital to assets | 6.4656% | 5,920 |
| Core capital (leverage) ratio | 6.5988% | 5,905 |
| Tier 1 risk-based capital ratio | 10.9789% | 5,382 |
| Total risk-based capital ratio | 12.0026% | 5,407 |
| Memoranda: | ||
| Average total assets | $254,589,750 | 2,477 |
| Average earning assets | $234,127,750 | 2,486 |
| Average equity | $16,440,250 | 3,668 |
| Average total loans | $180,512,750 | 2,308 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7172% | 4,241 |
| Cost of funding earning assets | 0.1501% | 5,548 |
| Net interest margin | 3.5671% | 3,226 |
| Noninterest income to average assets | 3.4659% | 172 |
| Noninterest expense to average assets | 4.4159% | 411 |
| Loan and lease loss provision to assets | 0.0753% | 2,628 |
| Net operating income to assets | 2.2496% | 211 |
| Return on assets (ROA) | 2.2496% | 221 |
| Pretax return on assets | 2.2543% | 338 |
| Return on Equity (ROE) | 34.8511% | 28 |
| Retained earnings to average equity (ytd only) | 0.7739% | 5,071 |
| Net charge-offs to loans | 0.1977% | 1,159 |
| Credit loss provision to net charge-offs | 53.3708% | 2,635 |
| Earnings coverage of net charge-offs (x) | 16.5056% | 1,927 |
| Efficiency ratio | 65.4637% | 3,762 |
| Assets per employee ($millions) | 2.4835% | 5,795 |
| Cash dividends to net income (ytd only)* | 97.7793% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 5,340 |
| Loan loss allowance to noncurrent loans | 164.9412% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 3,384 |
| Noncurrent loans to loans | 0.4684% | 3,683 |
| Net loans and leases to total assets | 70.3996% | 2,419 |
| Net loans and leases to deposits | 76.8853% | 3,283 |
| Net loans and leases to core deposits | 77.0573% | 3,731 |
| Total domestic deposits to total assets | 91.5645% | 120 |
| Equity capital to assets | 6.3518% | 5,998 |
| Core capital (leverage) ratio | 6.4946% | 5,975 |
| Tier 1 risk-based capital ratio | 10.5173% | 5,666 |
| Total risk-based capital ratio | 11.4297% | 5,735 |
| Memoranda: | ||
| Average total assets | $252,227,330 | 2,516 |
| Average earning assets | $231,894,670 | 2,518 |
| Average equity | $16,280,670 | 3,696 |
| Average total loans | $180,061,330 | 2,314 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7015% | 4,319 |
| Cost of funding earning assets | 0.1511% | 5,600 |
| Net interest margin | 3.5504% | 3,278 |
| Noninterest income to average assets | 4.0457% | 149 |
| Noninterest expense to average assets | 4.0872% | 556 |
| Loan and lease loss provision to assets | 0.1038% | 1,976 |
| Net operating income to assets | 3.1097% | 88 |
| Return on assets (ROA) | 3.1097% | 88 |
| Pretax return on assets | 3.1193% | 119 |
| Return on Equity (ROE) | 47.7879% | 21 |
| Retained earnings to average equity (ytd only) | 9.8914% | 872 |
| Net charge-offs to loans | 0.0535% | 1,991 |
| Credit loss provision to net charge-offs | 270.8333% | 905 |
| Earnings coverage of net charge-offs (x) | 84.0833% | 610 |
| Efficiency ratio | 55.9100% | 5,198 |
| Assets per employee ($millions) | 2.4335% | 5,878 |
| Cash dividends to net income (ytd only)* | 79.3015% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 5,132 |
| Loan loss allowance to noncurrent loans | 136.6159% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6748% | 3,036 |
| Noncurrent loans to loans | 0.6418% | 3,251 |
| Net loans and leases to total assets | 69.5047% | 2,423 |
| Net loans and leases to deposits | 75.5412% | 3,272 |
| Net loans and leases to core deposits | 75.7146% | 3,705 |
| Total domestic deposits to total assets | 92.0089% | 109 |
| Equity capital to assets | 6.6632% | 6,030 |
| Core capital (leverage) ratio | 6.6327% | 6,021 |
| Tier 1 risk-based capital ratio | 11.4592% | 5,255 |
| Total risk-based capital ratio | 12.5189% | 5,264 |
| Memoranda: | ||
| Average total assets | $250,440,500 | 2,537 |
| Average earning assets | $230,285,500 | 2,547 |
| Average equity | $16,297,000 | 3,696 |
| Average total loans | $179,349,500 | 2,318 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 4,218 |
| Cost of funding earning assets | 0.1430% | 5,728 |
| Net interest margin | 3.6011% | 3,134 |
| Noninterest income to average assets | 2.6540% | 248 |
| Noninterest expense to average assets | 4.8720% | 310 |
| Loan and lease loss provision to assets | 0.0488% | 3,354 |
| Net operating income to assets | 1.0518% | 2,116 |
| Return on assets (ROA) | 1.0518% | 2,206 |
| Pretax return on assets | 1.0534% | 3,254 |
| Return on Equity (ROE) | 16.5701% | 500 |
| Retained earnings to average equity (ytd only) | 4.9633% | 2,447 |
| Net charge-offs to loans | 0.0468% | 3,284 |
| Credit loss provision to net charge-offs | 146.3415% | 1,818 |
| Earnings coverage of net charge-offs (x) | 33.0244% | 1,353 |
| Efficiency ratio | 81.5494% | 1,469 |
| Assets per employee ($millions) | 2.4531% | 5,913 |
| Cash dividends to net income (ytd only)* | 70.0464% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 5,399 |
| Loan loss allowance to noncurrent loans | 184.9315% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 3,621 |
| Noncurrent loans to loans | 0.4349% | 3,909 |
| Net loans and leases to total assets | 72.4937% | 1,969 |
| Net loans and leases to deposits | 78.9472% | 2,947 |
| Net loans and leases to core deposits | 79.1256% | 3,433 |
| Total domestic deposits to total assets | 91.8256% | 127 |
| Equity capital to assets | 6.3542% | 6,104 |
| Core capital (leverage) ratio | 6.4984% | 6,095 |
| Tier 1 risk-based capital ratio | 10.4501% | 5,797 |
| Total risk-based capital ratio | 11.4140% | 5,833 |
| Memoranda: | ||
| Average total assets | $245,671,000 | 2,537 |
| Average earning assets | $226,516,800 | 2,533 |
| Average equity | $15,594,400 | 3,747 |
| Average total loans | $175,341,400 | 2,294 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7247% | 4,345 |
| Cost of funding earning assets | 0.1366% | 5,876 |
| Net interest margin | 3.5881% | 3,207 |
| Noninterest income to average assets | 2.7243% | 240 |
| Noninterest expense to average assets | 4.8440% | 319 |
| Loan and lease loss provision to assets | 0.0492% | 3,227 |
| Net operating income to assets | 1.1451% | 1,847 |
| Return on assets (ROA) | 1.1451% | 1,913 |
| Pretax return on assets | 1.1473% | 3,029 |
| Return on Equity (ROE) | 18.0452% | 398 |
| Retained earnings to average equity (ytd only) | 4.2292% | 3,455 |
| Net charge-offs to loans | 0.0640% | 2,671 |
| Credit loss provision to net charge-offs | 108.4337% | 2,132 |
| Earnings coverage of net charge-offs (x) | 26.3744% | 1,615 |
| Efficiency ratio | 80.1918% | 1,637 |
| Assets per employee ($millions) | 2.3696% | 6,025 |
| Cash dividends to net income (ytd only)* | 76.5632% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 5,497 |
| Loan loss allowance to noncurrent loans | 86.2396% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 0.8213% | 2,819 |
| Noncurrent loans to loans | 0.9371% | 2,631 |
| Net loans and leases to total assets | 72.4163% | 1,995 |
| Net loans and leases to deposits | 78.9844% | 2,995 |
| Net loans and leases to core deposits | 79.1673% | 3,493 |
| Total domestic deposits to total assets | 91.6842% | 127 |
| Equity capital to assets | 6.4451% | 6,181 |
| Core capital (leverage) ratio | 6.3726% | 6,181 |
| Tier 1 risk-based capital ratio | 10.5501% | 5,862 |
| Total risk-based capital ratio | 11.5200% | 5,902 |
| Memoranda: | ||
| Average total assets | $243,922,250 | 2,567 |
| Average earning assets | $225,443,250 | 2,565 |
| Average equity | $15,479,250 | 3,799 |
| Average total loans | $173,013,750 | 2,333 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6706% | 4,503 |
| Cost of funding earning assets | 0.1328% | 5,968 |
| Net interest margin | 3.5378% | 3,348 |
| Noninterest income to average assets | 2.5456% | 265 |
| Noninterest expense to average assets | 4.7728% | 345 |
| Loan and lease loss provision to assets | 0.0494% | 3,131 |
| Net operating income to assets | 0.9848% | 2,475 |
| Return on assets (ROA) | 0.9848% | 2,582 |
| Pretax return on assets | 0.9881% | 3,630 |
| Return on Equity (ROE) | 15.6015% | 655 |
| Retained earnings to average equity (ytd only) | -0.3258% | 5,572 |
| Net charge-offs to loans | 0.0972% | 2,042 |
| Credit loss provision to net charge-offs | 72.2892% | 2,430 |
| Earnings coverage of net charge-offs (x) | 15.1928% | 1,990 |
| Efficiency ratio | 82.1439% | 1,471 |
| Assets per employee ($millions) | 2.3384% | 6,113 |
| Cash dividends to net income (ytd only)* | 102.0886% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 5,593 |
| Loan loss allowance to noncurrent loans | 114.4695% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.7697% | 3,082 |
| Noncurrent loans to loans | 0.7018% | 3,383 |
| Net loans and leases to total assets | 72.3063% | 1,931 |
| Net loans and leases to deposits | 77.8990% | 3,044 |
| Net loans and leases to core deposits | 77.9857% | 3,572 |
| Total domestic deposits to total assets | 92.8206% | 63 |
| Equity capital to assets | 6.2986% | 6,259 |
| Core capital (leverage) ratio | 6.3709% | 6,253 |
| Tier 1 risk-based capital ratio | 10.3849% | 5,960 |
| Total risk-based capital ratio | 11.3515% | 6,004 |
| Memoranda: | ||
| Average total assets | $243,084,670 | 2,590 |
| Average earning assets | $224,322,000 | 2,589 |
| Average equity | $15,344,670 | 3,838 |
| Average total loans | $170,714,000 | 2,368 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5786% | 4,754 |
| Cost of funding earning assets | 0.1371% | 6,016 |
| Net interest margin | 3.4415% | 3,662 |
| Noninterest income to average assets | 2.3026% | 304 |
| Noninterest expense to average assets | 4.5838% | 406 |
| Loan and lease loss provision to assets | 0.0494% | 2,941 |
| Net operating income to assets | 0.8443% | 3,033 |
| Return on assets (ROA) | 0.8443% | 3,159 |
| Pretax return on assets | 0.8509% | 4,056 |
| Return on Equity (ROE) | 13.3611% | 1,019 |
| Retained earnings to average equity (ytd only) | 0.8855% | 5,110 |
| Net charge-offs to loans | 0.1959% | 1,151 |
| Credit loss provision to net charge-offs | 36.5854% | 2,209 |
| Earnings coverage of net charge-offs (x) | 6.6707% | 2,258 |
| Efficiency ratio | 83.5834% | 1,421 |
| Assets per employee ($millions) | 2.3396% | 6,181 |
| Cash dividends to net income (ytd only)* | 93.3723% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8305% | 5,621 |
| Loan loss allowance to noncurrent loans | 123.3422% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 3,201 |
| Noncurrent loans to loans | 0.6733% | 3,603 |
| Net loans and leases to total assets | 69.1280% | 2,262 |
| Net loans and leases to deposits | 74.6286% | 3,214 |
| Net loans and leases to core deposits | 74.7126% | 3,715 |
| Total domestic deposits to total assets | 92.6293% | 83 |
| Equity capital to assets | 6.4088% | 6,315 |
| Core capital (leverage) ratio | 6.4222% | 6,305 |
| Tier 1 risk-based capital ratio | 11.6884% | 5,443 |
| Total risk-based capital ratio | 12.3794% | 5,664 |
| Memoranda: | ||
| Average total assets | $243,029,000 | 2,613 |
| Average earning assets | $224,669,000 | 2,600 |
| Average equity | $15,358,000 | 3,864 |
| Average total loans | $167,436,000 | 2,405 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 4,741 |
| Cost of funding earning assets | 0.1736% | 5,954 |
| Net interest margin | 3.5394% | 3,640 |
| Noninterest income to average assets | 2.2669% | 276 |
| Noninterest expense to average assets | 4.7180% | 385 |
| Loan and lease loss provision to assets | 0.0334% | 3,926 |
| Net operating income to assets | 0.7793% | 3,478 |
| Return on assets (ROA) | 0.7793% | 3,565 |
| Pretax return on assets | 0.7801% | 4,335 |
| Return on Equity (ROE) | 12.4810% | 1,268 |
| Retained earnings to average equity (ytd only) | 2.6645% | 4,347 |
| Net charge-offs to loans | 0.0841% | 3,292 |
| Credit loss provision to net charge-offs | 57.1429% | 3,341 |
| Earnings coverage of net charge-offs (x) | 13.9357% | 2,222 |
| Efficiency ratio | 85.2943% | 1,252 |
| Assets per employee ($millions) | 2.4027% | 6,217 |
| Cash dividends to net income (ytd only)* | 78.6517% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 5,579 |
| Loan loss allowance to noncurrent loans | 89.7086% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 0.8965% | 2,967 |
| Noncurrent loans to loans | 0.9665% | 2,908 |
| Net loans and leases to total assets | 67.5072% | 2,645 |
| Net loans and leases to deposits | 73.0460% | 3,550 |
| Net loans and leases to core deposits | 73.2079% | 4,004 |
| Total domestic deposits to total assets | 92.4175% | 105 |
| Equity capital to assets | 6.2315% | 6,397 |
| Core capital (leverage) ratio | 6.2909% | 6,387 |
| Tier 1 risk-based capital ratio | 10.4655% | 6,119 |
| Total risk-based capital ratio | 11.4537% | 6,152 |
| Memoranda: | ||
| Average total assets | $239,845,400 | 2,615 |
| Average earning assets | $221,227,000 | 2,613 |
| Average equity | $14,974,800 | 3,842 |
| Average total loans | $166,557,200 | 2,358 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7113% | 4,821 |
| Cost of funding earning assets | 0.1756% | 6,030 |
| Net interest margin | 3.5358% | 3,692 |
| Noninterest income to average assets | 2.2693% | 284 |
| Noninterest expense to average assets | 4.6896% | 389 |
| Loan and lease loss provision to assets | 0.0279% | 3,846 |
| Net operating income to assets | 0.8149% | 3,364 |
| Return on assets (ROA) | 0.8149% | 3,459 |
| Pretax return on assets | 0.8161% | 4,308 |
| Return on Equity (ROE) | 13.0462% | 1,212 |
| Retained earnings to average equity (ytd only) | 2.5323% | 4,783 |
| Net charge-offs to loans | 0.0689% | 3,211 |
| Credit loss provision to net charge-offs | 58.1395% | 2,971 |
| Earnings coverage of net charge-offs (x) | 17.5587% | 1,895 |
| Efficiency ratio | 84.7475% | 1,310 |
| Assets per employee ($millions) | 2.4095% | 6,290 |
| Cash dividends to net income (ytd only)* | 80.5900% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 5,710 |
| Loan loss allowance to noncurrent loans | 78.4230% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.0113% | 2,933 |
| Noncurrent loans to loans | 1.0990% | 2,869 |
| Net loans and leases to total assets | 69.5767% | 2,261 |
| Net loans and leases to deposits | 75.0644% | 3,301 |
| Net loans and leases to core deposits | 75.3997% | 3,817 |
| Total domestic deposits to total assets | 92.6893% | 102 |
| Equity capital to assets | 6.2370% | 6,464 |
| Core capital (leverage) ratio | 6.3668% | 6,446 |
| Tier 1 risk-based capital ratio | 10.2153% | 6,293 |
| Total risk-based capital ratio | 11.2039% | 6,322 |
| Memoranda: | ||
| Average total assets | $238,537,750 | 2,646 |
| Average earning assets | $220,220,000 | 2,636 |
| Average equity | $14,900,500 | 3,877 |
| Average total loans | $166,473,750 | 2,372 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6651% | 4,963 |
| Cost of funding earning assets | 0.1777% | 6,085 |
| Net interest margin | 3.4874% | 3,829 |
| Noninterest income to average assets | 2.1230% | 320 |
| Noninterest expense to average assets | 4.6174% | 408 |
| Loan and lease loss provision to assets | 0.0338% | 3,612 |
| Net operating income to assets | 0.6837% | 3,925 |
| Return on assets (ROA) | 0.6837% | 4,024 |
| Pretax return on assets | 0.6854% | 4,696 |
| Return on Equity (ROE) | 10.9400% | 1,758 |
| Retained earnings to average equity (ytd only) | -3.3766% | 6,121 |
| Net charge-offs to loans | 0.0376% | 3,472 |
| Credit loss provision to net charge-offs | 129.0323% | 1,616 |
| Earnings coverage of net charge-offs (x) | 27.4839% | 1,341 |
| Efficiency ratio | 86.5233% | 1,220 |
| Assets per employee ($millions) | 2.3650% | 6,371 |
| Cash dividends to net income (ytd only)* | 130.8642% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 5,713 |
| Loan loss allowance to noncurrent loans | 73.3430% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.1294% | 2,819 |
| Noncurrent loans to loans | 1.2321% | 2,767 |
| Net loans and leases to total assets | 70.2930% | 2,032 |
| Net loans and leases to deposits | 75.7487% | 3,091 |
| Net loans and leases to core deposits | 76.0092% | 3,629 |
| Total domestic deposits to total assets | 92.7976% | 97 |
| Equity capital to assets | 6.1991% | 6,516 |
| Core capital (leverage) ratio | 6.2515% | 6,509 |
| Tier 1 risk-based capital ratio | 10.0210% | 6,394 |
| Total risk-based capital ratio | 11.0561% | 6,421 |
| Memoranda: | ||
| Average total assets | $236,931,670 | 2,658 |
| Average earning assets | $218,328,670 | 2,657 |
| Average equity | $14,808,000 | 3,892 |
| Average total loans | $165,034,670 | 2,394 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5611% | 5,270 |
| Cost of funding earning assets | 0.1808% | 6,156 |
| Net interest margin | 3.3803% | 4,219 |
| Noninterest income to average assets | 2.0612% | 322 |
| Noninterest expense to average assets | 4.4951% | 459 |
| Loan and lease loss provision to assets | 0.0506% | 3,086 |
| Net operating income to assets | 0.6342% | 4,030 |
| Return on assets (ROA) | 0.6342% | 4,117 |
| Pretax return on assets | 0.6376% | 4,704 |
| Return on Equity (ROE) | 10.1065% | 1,992 |
| Retained earnings to average equity (ytd only) | -1.3171% | 5,771 |
| Net charge-offs to loans | 0.0758% | 2,392 |
| Credit loss provision to net charge-offs | 96.7742% | 1,730 |
| Earnings coverage of net charge-offs (x) | 13.1613% | 1,678 |
| Efficiency ratio | 86.7231% | 1,371 |
| Assets per employee ($millions) | 2.3820% | 6,432 |
| Cash dividends to net income (ytd only)* | 113.0319% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9283% | 5,777 |
| Loan loss allowance to noncurrent loans | 86.6015% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 3,611 |
| Noncurrent loans to loans | 1.0720% | 3,277 |
| Net loans and leases to total assets | 67.4724% | 2,307 |
| Net loans and leases to deposits | 72.6767% | 3,251 |
| Net loans and leases to core deposits | 72.9283% | 3,769 |
| Total domestic deposits to total assets | 92.8392% | 133 |
| Equity capital to assets | 6.2251% | 6,547 |
| Core capital (leverage) ratio | 6.2978% | 6,553 |
| Tier 1 risk-based capital ratio | 10.5390% | 6,320 |
| Total risk-based capital ratio | 11.6058% | 6,335 |
| Memoranda: | ||
| Average total assets | $237,146,000 | 2,665 |
| Average earning assets | $219,036,500 | 2,664 |
| Average equity | $14,881,500 | 3,882 |
| Average total loans | $163,671,500 | 2,414 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8202% | 4,740 |
| Cost of funding earning assets | 0.2120% | 6,220 |
| Net interest margin | 3.6082% | 3,432 |
| Noninterest income to average assets | 2.5018% | 282 |
| Noninterest expense to average assets | 4.7718% | 419 |
| Loan and lease loss provision to assets | 0.0425% | 4,268 |
| Net operating income to assets | 1.0363% | 2,176 |
| Return on assets (ROA) | 1.0363% | 2,244 |
| Pretax return on assets | 1.0385% | 3,200 |
| Return on Equity (ROE) | 16.5467% | 557 |
| Retained earnings to average equity (ytd only) | 3.0079% | 4,097 |
| Net charge-offs to loans | 0.0059% | 5,350 |
| Credit loss provision to net charge-offs | 1,000.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 254.2000% | 177 |
| Efficiency ratio | 81.5302% | 1,941 |
| Assets per employee ($millions) | 2.3848% | 6,469 |
| Cash dividends to net income (ytd only)* | 81.8219% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 5,884 |
| Loan loss allowance to noncurrent loans | 57.9838% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 1.2487% | 2,922 |
| Noncurrent loans to loans | 1.5740% | 2,538 |
| Net loans and leases to total assets | 69.2995% | 2,126 |
| Net loans and leases to deposits | 74.7042% | 3,156 |
| Net loans and leases to core deposits | 75.1379% | 3,710 |
| Total domestic deposits to total assets | 92.7652% | 160 |
| Equity capital to assets | 6.3259% | 6,586 |
| Core capital (leverage) ratio | 6.2924% | 6,622 |
| Tier 1 risk-based capital ratio | 10.5595% | 6,349 |
| Total risk-based capital ratio | 11.6256% | 6,364 |
| Memoranda: | ||
| Average total assets | $235,153,800 | 2,667 |
| Average earning assets | $218,392,800 | 2,639 |
| Average equity | $14,728,000 | 3,912 |
| Average total loans | $169,617,200 | 2,310 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8382% | 4,709 |
| Cost of funding earning assets | 0.2172% | 6,309 |
| Net interest margin | 3.6210% | 3,355 |
| Noninterest income to average assets | 2.6176% | 279 |
| Noninterest expense to average assets | 4.7431% | 422 |
| Loan and lease loss provision to assets | 0.0397% | 4,214 |
| Net operating income to assets | 1.2010% | 1,634 |
| Return on assets (ROA) | 1.2010% | 1,705 |
| Pretax return on assets | 1.2038% | 2,678 |
| Return on Equity (ROE) | 19.2233% | 357 |
| Retained earnings to average equity (ytd only) | 3.8337% | 3,958 |
| Net charge-offs to loans | 0.0078% | 5,006 |
| Credit loss provision to net charge-offs | 700.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 219.1493% | 266 |
| Efficiency ratio | 79.2283% | 2,228 |
| Assets per employee ($millions) | 2.3485% | 6,568 |
| Cash dividends to net income (ytd only)* | 80.0568% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 6,135 |
| Loan loss allowance to noncurrent loans | 53.2444% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.3166% | 3,013 |
| Noncurrent loans to loans | 1.6332% | 2,723 |
| Net loans and leases to total assets | 70.9851% | 1,782 |
| Net loans and leases to deposits | 76.5099% | 2,881 |
| Net loans and leases to core deposits | 76.9515% | 3,507 |
| Total domestic deposits to total assets | 92.7789% | 143 |
| Equity capital to assets | 6.2843% | 6,666 |
| Core capital (leverage) ratio | 6.2927% | 6,691 |
| Tier 1 risk-based capital ratio | 10.4018% | 6,485 |
| Total risk-based capital ratio | 11.4325% | 6,512 |
| Memoranda: | ||
| Average total assets | $234,918,750 | 2,688 |
| Average earning assets | $218,571,000 | 2,649 |
| Average equity | $14,676,250 | 3,974 |
| Average total loans | $170,741,750 | 2,304 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8111% | 4,787 |
| Cost of funding earning assets | 0.2220% | 6,358 |
| Net interest margin | 3.5891% | 3,406 |
| Noninterest income to average assets | 2.5828% | 305 |
| Noninterest expense to average assets | 4.7164% | 439 |
| Loan and lease loss provision to assets | 0.0342% | 4,260 |
| Net operating income to assets | 1.1701% | 1,669 |
| Return on assets (ROA) | 1.1701% | 1,777 |
| Pretax return on assets | 1.1744% | 2,788 |
| Return on Equity (ROE) | 18.7675% | 403 |
| Retained earnings to average equity (ytd only) | -0.3288% | 5,919 |
| Net charge-offs to loans | 0.0070% | 4,748 |
| Credit loss provision to net charge-offs | 666.6667% | 440 |
| Earnings coverage of net charge-offs (x) | 235.8333% | 221 |
| Efficiency ratio | 79.6021% | 2,211 |
| Assets per employee ($millions) | 2.3109% | 6,633 |
| Cash dividends to net income (ytd only)* | 101.7518% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 6,264 |
| Loan loss allowance to noncurrent loans | 52.9755% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 1.2366% | 3,279 |
| Noncurrent loans to loans | 1.5949% | 2,917 |
| Net loans and leases to total assets | 74.4342% | 1,187 |
| Net loans and leases to deposits | 80.2743% | 2,285 |
| Net loans and leases to core deposits | 80.7547% | 2,945 |
| Total domestic deposits to total assets | 92.7248% | 153 |
| Equity capital to assets | 6.3105% | 6,714 |
| Core capital (leverage) ratio | 6.2230% | 6,732 |
| Tier 1 risk-based capital ratio | 10.1883% | 6,594 |
| Total risk-based capital ratio | 11.2108% | 6,622 |
| Memoranda: | ||
| Average total assets | $234,160,000 | 2,703 |
| Average earning assets | $218,048,330 | 2,663 |
| Average equity | $14,599,670 | 4,022 |
| Average total loans | $171,039,000 | 2,301 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7627% | 4,947 |
| Cost of funding earning assets | 0.2300% | 6,416 |
| Net interest margin | 3.5327% | 3,556 |
| Noninterest income to average assets | 2.5535% | 311 |
| Noninterest expense to average assets | 4.5683% | 508 |
| Loan and lease loss provision to assets | 0.0507% | 3,773 |
| Net operating income to assets | 1.2210% | 1,471 |
| Return on assets (ROA) | 1.2210% | 1,580 |
| Pretax return on assets | 1.2295% | 2,474 |
| Return on Equity (ROE) | 19.6989% | 315 |
| Retained earnings to average equity (ytd only) | 10.1628% | 1,068 |
| Net charge-offs to loans | 0.0094% | 3,964 |
| Credit loss provision to net charge-offs | 750.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 189.5000% | 212 |
| Efficiency ratio | 78.1115% | 2,593 |
| Assets per employee ($millions) | 2.4194% | 6,648 |
| Cash dividends to net income (ytd only)* | 48.4094% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 6,361 |
| Loan loss allowance to noncurrent loans | 112.5585% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 4,945 |
| Noncurrent loans to loans | 0.7572% | 4,612 |
| Net loans and leases to total assets | 70.8042% | 1,544 |
| Net loans and leases to deposits | 76.3069% | 2,589 |
| Net loans and leases to core deposits | 76.7816% | 3,226 |
| Total domestic deposits to total assets | 92.7887% | 146 |
| Equity capital to assets | 6.2721% | 6,810 |
| Core capital (leverage) ratio | 6.3566% | 6,766 |
| Tier 1 risk-based capital ratio | 10.8508% | 6,464 |
| Total risk-based capital ratio | 11.9047% | 6,503 |
| Memoranda: | ||
| Average total assets | $236,851,000 | 2,709 |
| Average earning assets | $220,908,000 | 2,660 |
| Average equity | $14,681,000 | 4,059 |
| Average total loans | $170,688,500 | 2,315 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 5,004 |
| Cost of funding earning assets | 0.3898% | 5,982 |
| Net interest margin | 3.6956% | 3,666 |
| Noninterest income to average assets | 2.5145% | 317 |
| Noninterest expense to average assets | 4.7599% | 451 |
| Loan and lease loss provision to assets | 0.0475% | 5,230 |
| Net operating income to assets | 1.1333% | 1,827 |
| Return on assets (ROA) | 1.1333% | 1,998 |
| Pretax return on assets | 1.1354% | 3,034 |
| Return on Equity (ROE) | 18.4168% | 409 |
| Retained earnings to average equity (ytd only) | 3.1526% | 4,013 |
| Net charge-offs to loans | 0.0589% | 5,102 |
| Credit loss provision to net charge-offs | 108.9109% | 2,698 |
| Earnings coverage of net charge-offs (x) | 27.1089% | 1,078 |
| Efficiency ratio | 80.0945% | 2,128 |
| Assets per employee ($millions) | 2.4392% | 6,669 |
| Cash dividends to net income (ytd only)* | 82.8822% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 6,438 |
| Loan loss allowance to noncurrent loans | 50.1948% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 1.3339% | 3,412 |
| Noncurrent loans to loans | 1.6407% | 3,162 |
| Net loans and leases to total assets | 72.1212% | 1,468 |
| Net loans and leases to deposits | 77.5937% | 2,587 |
| Net loans and leases to core deposits | 78.0062% | 3,259 |
| Total domestic deposits to total assets | 92.9473% | 137 |
| Equity capital to assets | 6.1246% | 6,882 |
| Core capital (leverage) ratio | 6.1469% | 6,838 |
| Tier 1 risk-based capital ratio | 10.3826% | 6,591 |
| Total risk-based capital ratio | 11.3983% | 6,628 |
| Memoranda: | ||
| Average total assets | $231,454,200 | 2,705 |
| Average earning assets | $214,713,800 | 2,682 |
| Average equity | $14,242,400 | 4,113 |
| Average total loans | $171,399,000 | 2,296 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 4,995 |
| Cost of funding earning assets | 0.4116% | 6,051 |
| Net interest margin | 3.7367% | 3,624 |
| Noninterest income to average assets | 2.4683% | 316 |
| Noninterest expense to average assets | 4.6834% | 467 |
| Loan and lease loss provision to assets | 0.0463% | 5,197 |
| Net operating income to assets | 1.2008% | 1,735 |
| Return on assets (ROA) | 1.2008% | 1,907 |
| Pretax return on assets | 1.2037% | 2,983 |
| Return on Equity (ROE) | 19.4914% | 366 |
| Retained earnings to average equity (ytd only) | 3.4319% | 4,449 |
| Net charge-offs to loans | 0.0607% | 4,817 |
| Credit loss provision to net charge-offs | 102.5641% | 2,870 |
| Earnings coverage of net charge-offs (x) | 27.6660% | 1,175 |
| Efficiency ratio | 78.9320% | 2,245 |
| Assets per employee ($millions) | 2.3760% | 6,806 |
| Cash dividends to net income (ytd only)* | 82.3928% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8125% | 6,571 |
| Loan loss allowance to noncurrent loans | 53.6122% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 1.1596% | 3,965 |
| Noncurrent loans to loans | 1.5155% | 3,510 |
| Net loans and leases to total assets | 73.9232% | 1,255 |
| Net loans and leases to deposits | 79.6465% | 2,449 |
| Net loans and leases to core deposits | 80.0767% | 3,197 |
| Total domestic deposits to total assets | 92.8142% | 129 |
| Equity capital to assets | 6.1916% | 6,973 |
| Core capital (leverage) ratio | 6.2150% | 6,927 |
| Tier 1 risk-based capital ratio | 10.1939% | 6,753 |
| Total risk-based capital ratio | 11.1920% | 6,791 |
| Memoranda: | ||
| Average total assets | $230,167,000 | 2,749 |
| Average earning assets | $213,445,500 | 2,717 |
| Average equity | $14,180,250 | 4,167 |
| Average total loans | $171,234,250 | 2,329 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 5,037 |
| Cost of funding earning assets | 0.4221% | 6,151 |
| Net interest margin | 3.7536% | 3,570 |
| Noninterest income to average assets | 2.1276% | 367 |
| Noninterest expense to average assets | 4.5727% | 521 |
| Loan and lease loss provision to assets | 0.0305% | 5,287 |
| Net operating income to assets | 0.9953% | 2,488 |
| Return on assets (ROA) | 0.9953% | 2,713 |
| Pretax return on assets | 0.9997% | 3,713 |
| Return on Equity (ROE) | 16.1829% | 743 |
| Retained earnings to average equity (ytd only) | -0.4397% | 6,110 |
| Net charge-offs to loans | 0.0915% | 4,243 |
| Credit loss provision to net charge-offs | 44.8718% | 4,153 |
| Earnings coverage of net charge-offs (x) | 15.1410% | 1,664 |
| Efficiency ratio | 81.6130% | 1,945 |
| Assets per employee ($millions) | 2.2854% | 6,918 |
| Cash dividends to net income (ytd only)* | 102.7169% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 6,666 |
| Loan loss allowance to noncurrent loans | 120.2643% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.5273% | 5,443 |
| Noncurrent loans to loans | 0.6665% | 5,171 |
| Net loans and leases to total assets | 73.9126% | 1,259 |
| Net loans and leases to deposits | 79.5031% | 2,452 |
| Net loans and leases to core deposits | 80.0160% | 3,220 |
| Total domestic deposits to total assets | 92.9683% | 128 |
| Equity capital to assets | 6.1303% | 7,019 |
| Core capital (leverage) ratio | 6.1692% | 6,965 |
| Tier 1 risk-based capital ratio | 10.1303% | 6,789 |
| Total risk-based capital ratio | 11.1176% | 6,850 |
| Memoranda: | ||
| Average total assets | $229,273,670 | 2,768 |
| Average earning assets | $212,275,000 | 2,732 |
| Average equity | $14,101,330 | 4,178 |
| Average total loans | $170,466,330 | 2,342 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1257% | 5,362 |
| Cost of funding earning assets | 0.4329% | 6,237 |
| Net interest margin | 3.6928% | 3,867 |
| Noninterest income to average assets | 2.0589% | 391 |
| Noninterest expense to average assets | 4.4138% | 592 |
| Loan and lease loss provision to assets | 0.0261% | 5,026 |
| Net operating income to assets | 1.0277% | 2,370 |
| Return on assets (ROA) | 1.0277% | 2,557 |
| Pretax return on assets | 1.0364% | 3,548 |
| Return on Equity (ROE) | 16.6820% | 717 |
| Retained earnings to average equity (ytd only) | 5.3722% | 3,329 |
| Net charge-offs to loans | 0.1032% | 3,513 |
| Credit loss provision to net charge-offs | 34.0909% | 3,554 |
| Earnings coverage of net charge-offs (x) | 13.8636% | 1,505 |
| Efficiency ratio | 80.5980% | 2,132 |
| Assets per employee ($millions) | 2.3292% | 6,978 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 6,709 |
| Loan loss allowance to noncurrent loans | 75.3964% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.8119% | 4,916 |
| Noncurrent loans to loans | 1.0841% | 4,524 |
| Net loans and leases to total assets | 71.8418% | 1,429 |
| Net loans and leases to deposits | 77.2379% | 2,644 |
| Net loans and leases to core deposits | 77.7255% | 3,366 |
| Total domestic deposits to total assets | 93.0136% | 142 |
| Equity capital to assets | 6.1102% | 7,065 |
| Core capital (leverage) ratio | 6.3163% | 6,993 |
| Tier 1 risk-based capital ratio | 10.3371% | 6,782 |
| Total risk-based capital ratio | 11.3391% | 6,849 |
| Memoranda: | ||
| Average total assets | $229,642,500 | 2,767 |
| Average earning assets | $212,522,500 | 2,742 |
| Average equity | $14,147,000 | 4,174 |
| Average total loans | $170,558,500 | 2,356 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 4,769 |
| Cost of funding earning assets | 0.4805% | 6,612 |
| Net interest margin | 4.0948% | 2,446 |
| Noninterest income to average assets | 2.0897% | 348 |
| Noninterest expense to average assets | 4.9332% | 398 |
| Loan and lease loss provision to assets | 0.0320% | 6,165 |
| Net operating income to assets | 0.8987% | 2,608 |
| Return on assets (ROA) | 0.8987% | 2,743 |
| Pretax return on assets | 0.9010% | 3,605 |
| Return on Equity (ROE) | 13.9997% | 929 |
| Retained earnings to average equity (ytd only) | 0.5771% | 5,572 |
| Net charge-offs to loans | 0.0463% | 5,842 |
| Credit loss provision to net charge-offs | 88.6076% | 4,075 |
| Earnings coverage of net charge-offs (x) | 25.8228% | 962 |
| Efficiency ratio | 84.0948% | 1,755 |
| Assets per employee ($millions) | 2.2636% | 7,040 |
| Cash dividends to net income (ytd only)* | 95.8779% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8167% | 6,704 |
| Loan loss allowance to noncurrent loans | 81.3403% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9295% | 4,749 |
| Noncurrent loans to loans | 1.0040% | 4,698 |
| Net loans and leases to total assets | 75.5401% | 1,016 |
| Net loans and leases to deposits | 81.2925% | 2,310 |
| Net loans and leases to core deposits | 81.8745% | 3,198 |
| Total domestic deposits to total assets | 92.9237% | 140 |
| Equity capital to assets | 6.2122% | 7,074 |
| Core capital (leverage) ratio | 6.2092% | 7,027 |
| Tier 1 risk-based capital ratio | 9.9678% | 6,867 |
| Total risk-based capital ratio | 10.9677% | 6,911 |
| Memoranda: | ||
| Average total assets | $218,643,200 | 2,852 |
| Average earning assets | $201,644,200 | 2,832 |
| Average equity | $14,036,000 | 4,098 |
| Average total loans | $170,723,400 | 2,367 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6229% | 4,776 |
| Cost of funding earning assets | 0.4874% | 6,756 |
| Net interest margin | 4.1355% | 2,327 |
| Noninterest income to average assets | 2.0444% | 364 |
| Noninterest expense to average assets | 4.8610% | 418 |
| Loan and lease loss provision to assets | 0.0308% | 6,056 |
| Net operating income to assets | 0.9653% | 2,456 |
| Return on assets (ROA) | 0.9653% | 2,625 |
| Pretax return on assets | 0.9684% | 3,526 |
| Return on Equity (ROE) | 14.9111% | 848 |
| Retained earnings to average equity (ytd only) | 1.9387% | 5,168 |
| Net charge-offs to loans | 0.0611% | 5,358 |
| Credit loss provision to net charge-offs | 64.1026% | 4,667 |
| Earnings coverage of net charge-offs (x) | 20.8200% | 1,206 |
| Efficiency ratio | 82.9501% | 1,853 |
| Assets per employee ($millions) | 2.2705% | 7,098 |
| Cash dividends to net income (ytd only)* | 86.9978% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8020% | 6,821 |
| Loan loss allowance to noncurrent loans | 79.3714% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.0797% | 4,606 |
| Noncurrent loans to loans | 1.0104% | 4,872 |
| Net loans and leases to total assets | 74.9177% | 1,156 |
| Net loans and leases to deposits | 81.8466% | 2,388 |
| Net loans and leases to core deposits | 82.2352% | 3,290 |
| Total domestic deposits to total assets | 91.5343% | 288 |
| Equity capital to assets | 6.1938% | 7,169 |
| Core capital (leverage) ratio | 6.3803% | 7,087 |
| Tier 1 risk-based capital ratio | 10.0127% | 6,952 |
| Total risk-based capital ratio | 10.9950% | 7,011 |
| Memoranda: | ||
| Average total assets | $216,713,500 | 2,882 |
| Average earning assets | $199,956,750 | 2,861 |
| Average equity | $14,029,500 | 4,115 |
| Average total loans | $170,303,750 | 2,387 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6822% | 4,611 |
| Cost of funding earning assets | 0.4969% | 6,853 |
| Net interest margin | 4.1853% | 2,095 |
| Noninterest income to average assets | 2.0140% | 357 |
| Noninterest expense to average assets | 4.9588% | 383 |
| Loan and lease loss provision to assets | 0.0188% | 6,053 |
| Net operating income to assets | 0.8922% | 2,674 |
| Return on assets (ROA) | 0.8922% | 2,783 |
| Pretax return on assets | 0.8969% | 3,622 |
| Return on Equity (ROE) | 13.5706% | 1,071 |
| Retained earnings to average equity (ytd only) | 0.1145% | 5,792 |
| Net charge-offs to loans | 0.0756% | 4,885 |
| Credit loss provision to net charge-offs | 31.2500% | 4,969 |
| Earnings coverage of net charge-offs (x) | 15.2031% | 1,419 |
| Efficiency ratio | 84.4120% | 1,768 |
| Assets per employee ($millions) | 2.1698% | 7,202 |
| Cash dividends to net income (ytd only)* | 99.1561% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 6,860 |
| Loan loss allowance to noncurrent loans | 62.9239% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.2328% | 4,431 |
| Noncurrent loans to loans | 1.2762% | 4,534 |
| Net loans and leases to total assets | 78.1672% | 757 |
| Net loans and leases to deposits | 85.3163% | 1,891 |
| Net loans and leases to core deposits | 85.8075% | 2,936 |
| Total domestic deposits to total assets | 91.6205% | 320 |
| Equity capital to assets | 6.4752% | 7,188 |
| Core capital (leverage) ratio | 6.6304% | 7,094 |
| Tier 1 risk-based capital ratio | 9.9786% | 6,980 |
| Total risk-based capital ratio | 10.9598% | 7,055 |
| Memoranda: | ||
| Average total assets | $212,509,670 | 2,943 |
| Average earning assets | $196,019,000 | 2,922 |
| Average equity | $13,971,330 | 4,127 |
| Average total loans | $169,340,330 | 2,420 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 4,400 |
| Cost of funding earning assets | 0.5327% | 6,852 |
| Net interest margin | 4.1911% | 1,917 |
| Noninterest income to average assets | 1.8776% | 399 |
| Noninterest expense to average assets | 4.9726% | 372 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7571% | 3,234 |
| Return on assets (ROA) | 0.7571% | 3,296 |
| Pretax return on assets | 0.7666% | 4,032 |
| Return on Equity (ROE) | 11.4269% | 1,615 |
| Retained earnings to average equity (ytd only) | -8.6707% | 6,799 |
| Net charge-offs to loans | 0.1092% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.7609% | 1,791 |
| Efficiency ratio | 86.6424% | 1,643 |
| Assets per employee ($millions) | 2.0954% | 7,311 |
| Cash dividends to net income (ytd only)* | 175.8794% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 6,865 |
| Loan loss allowance to noncurrent loans | 108.2084% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 5,421 |
| Noncurrent loans to loans | 0.7648% | 5,498 |
| Net loans and leases to total assets | 78.4095% | 689 |
| Net loans and leases to deposits | 85.9348% | 1,739 |
| Net loans and leases to core deposits | 86.6833% | 2,775 |
| Total domestic deposits to total assets | 91.2431% | 513 |
| Equity capital to assets | 6.5683% | 7,190 |
| Core capital (leverage) ratio | 6.4805% | 7,174 |
| Tier 1 risk-based capital ratio | 9.9570% | 7,019 |
| Total risk-based capital ratio | 10.9568% | 7,103 |
| Memoranda: | ||
| Average total assets | $210,274,000 | 2,985 |
| Average earning assets | $193,745,000 | 2,963 |
| Average equity | $13,932,000 | 4,121 |
| Average total loans | $168,520,000 | 2,453 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0758% | 4,201 |
| Cost of funding earning assets | 0.6928% | 6,907 |
| Net interest margin | 4.3830% | 1,542 |
| Noninterest income to average assets | 2.3121% | 313 |
| Noninterest expense to average assets | 5.1219% | 386 |
| Loan and lease loss provision to assets | 0.1441% | 5,742 |
| Net operating income to assets | 1.0866% | 1,735 |
| Return on assets (ROA) | 1.0866% | 1,826 |
| Pretax return on assets | 1.0889% | 2,614 |
| Return on Equity (ROE) | 16.7724% | 502 |
| Retained earnings to average equity (ytd only) | 1.8221% | 4,588 |
| Net charge-offs to loans | 0.0862% | 5,977 |
| Credit loss provision to net charge-offs | 206.6667% | 1,497 |
| Earnings coverage of net charge-offs (x) | 17.6867% | 1,136 |
| Efficiency ratio | 80.5982% | 2,334 |
| Assets per employee ($millions) | 2.1101% | 7,360 |
| Cash dividends to net income (ytd only)* | 89.1360% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8269% | 6,914 |
| Loan loss allowance to noncurrent loans | 69.0209% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.1189% | 4,776 |
| Noncurrent loans to loans | 1.1980% | 4,722 |
| Net loans and leases to total assets | 80.5432% | 592 |
| Net loans and leases to deposits | 88.0067% | 1,788 |
| Net loans and leases to core deposits | 88.5330% | 2,976 |
| Total domestic deposits to total assets | 91.5194% | 391 |
| Equity capital to assets | 6.6826% | 7,214 |
| Core capital (leverage) ratio | 6.4769% | 7,196 |
| Tier 1 risk-based capital ratio | 9.8488% | 7,039 |
| Total risk-based capital ratio | 10.8489% | 7,115 |
| Memoranda: | ||
| Average total assets | $215,173,200 | 2,924 |
| Average earning assets | $198,469,400 | 2,897 |
| Average equity | $13,939,600 | 4,155 |
| Average total loans | $174,090,800 | 2,419 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0994% | 4,314 |
| Cost of funding earning assets | 0.7123% | 7,035 |
| Net interest margin | 4.3870% | 1,561 |
| Noninterest income to average assets | 2.1127% | 349 |
| Noninterest expense to average assets | 4.9129% | 407 |
| Loan and lease loss provision to assets | 0.1912% | 5,133 |
| Net operating income to assets | 1.0539% | 2,058 |
| Return on assets (ROA) | 1.0539% | 2,164 |
| Pretax return on assets | 1.0570% | 2,975 |
| Return on Equity (ROE) | 16.3938% | 662 |
| Retained earnings to average equity (ytd only) | 4.1536% | 3,550 |
| Net charge-offs to loans | 0.0587% | 5,923 |
| Credit loss provision to net charge-offs | 402.5974% | 749 |
| Earnings coverage of net charge-offs (x) | 26.2868% | 966 |
| Efficiency ratio | 79.7418% | 2,379 |
| Assets per employee ($millions) | 2.1725% | 7,408 |
| Cash dividends to net income (ytd only)* | 74.6635% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8190% | 6,961 |
| Loan loss allowance to noncurrent loans | 59.7434% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.1255% | 4,866 |
| Noncurrent loans to loans | 1.3708% | 4,567 |
| Net loans and leases to total assets | 81.4338% | 568 |
| Net loans and leases to deposits | 88.6005% | 1,925 |
| Net loans and leases to core deposits | 93.7295% | 2,567 |
| Total domestic deposits to total assets | 91.9112% | 204 |
| Equity capital to assets | 6.4822% | 7,429 |
| Core capital (leverage) ratio | 6.5083% | 7,332 |
| Tier 1 risk-based capital ratio | 9.5313% | 7,249 |
| Total risk-based capital ratio | 10.5360% | 7,315 |
| Memoranda: | ||
| Average total assets | $216,213,750 | 2,963 |
| Average earning assets | $199,522,750 | 2,929 |
| Average equity | $13,899,250 | 4,223 |
| Average total loans | $174,770,500 | 2,448 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0849% | 4,533 |
| Cost of funding earning assets | 0.7345% | 7,111 |
| Net interest margin | 4.3504% | 1,586 |
| Noninterest income to average assets | 1.9541% | 363 |
| Noninterest expense to average assets | 4.9379% | 394 |
| Loan and lease loss provision to assets | 0.2892% | 4,076 |
| Net operating income to assets | 0.7387% | 3,244 |
| Return on assets (ROA) | 0.7387% | 3,393 |
| Pretax return on assets | 0.7434% | 4,088 |
| Return on Equity (ROE) | 11.5248% | 1,592 |
| Retained earnings to average equity (ytd only) | -7.0429% | 6,741 |
| Net charge-offs to loans | 0.0081% | 6,246 |
| Credit loss provision to net charge-offs | 4,428.5714% | 86 |
| Earnings coverage of net charge-offs (x) | 158.1429% | 221 |
| Efficiency ratio | 82.7058% | 2,077 |
| Assets per employee ($millions) | 2.1225% | 7,495 |
| Cash dividends to net income (ytd only)* | 161.1111% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 6,831 |
| Loan loss allowance to noncurrent loans | 61.4415% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.2292% | 4,683 |
| Noncurrent loans to loans | 1.4272% | 4,571 |
| Net loans and leases to total assets | 82.2607% | 510 |
| Net loans and leases to deposits | 91.5716% | 1,601 |
| Net loans and leases to core deposits | 95.2783% | 2,540 |
| Total domestic deposits to total assets | 89.8322% | 1,002 |
| Equity capital to assets | 6.2895% | 7,501 |
| Core capital (leverage) ratio | 6.2740% | 7,436 |
| Tier 1 risk-based capital ratio | 9.0243% | 7,412 |
| Total risk-based capital ratio | 10.0894% | 7,456 |
| Memoranda: | ||
| Average total assets | $214,421,330 | 3,003 |
| Average earning assets | $197,959,000 | 2,977 |
| Average equity | $13,744,330 | 4,260 |
| Average total loans | $172,380,670 | 2,513 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 4,914 |
| Cost of funding earning assets | 0.7408% | 7,249 |
| Net interest margin | 4.2816% | 1,747 |
| Noninterest income to average assets | 1.9119% | 359 |
| Noninterest expense to average assets | 4.7676% | 452 |
| Loan and lease loss provision to assets | 0.1119% | 5,491 |
| Net operating income to assets | 0.9793% | 2,263 |
| Return on assets (ROA) | 0.9793% | 2,322 |
| Pretax return on assets | 0.9886% | 3,131 |
| Return on Equity (ROE) | 15.1351% | 848 |
| Retained earnings to average equity (ytd only) | -8.9081% | 6,886 |
| Net charge-offs to loans | 0.0094% | 5,462 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 147.5000% | 221 |
| Efficiency ratio | 81.2460% | 2,380 |
| Assets per employee ($millions) | 2.1110% | 7,607 |
| Cash dividends to net income (ytd only)* | 158.8571% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 7,169 |
| Loan loss allowance to noncurrent loans | 67.0925% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 0.9179% | 5,316 |
| Noncurrent loans to loans | 1.1645% | 5,034 |
| Net loans and leases to total assets | 78.2056% | 1,111 |
| Net loans and leases to deposits | 84.9930% | 2,769 |
| Net loans and leases to core deposits | 86.1781% | 3,866 |
| Total domestic deposits to total assets | 92.0142% | 235 |
| Equity capital to assets | 6.4090% | 7,548 |
| Core capital (leverage) ratio | 6.3304% | 7,521 |
| Tier 1 risk-based capital ratio | 9.4935% | 7,310 |
| Total risk-based capital ratio | 10.4242% | 7,442 |
| Memoranda: | ||
| Average total assets | $214,446,000 | 3,050 |
| Average earning assets | $198,151,000 | 3,023 |
| Average equity | $13,875,000 | 4,269 |
| Average total loans | $169,619,000 | 2,616 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4348% | 4,514 |
| Cost of funding earning assets | 1.0582% | 7,079 |
| Net interest margin | 4.3766% | 1,498 |
| Noninterest income to average assets | 2.1419% | 345 |
| Noninterest expense to average assets | 5.0605% | 495 |
| Loan and lease loss provision to assets | 0.1152% | 6,493 |
| Net operating income to assets | 0.9999% | 1,843 |
| Return on assets (ROA) | 0.9999% | 1,884 |
| Pretax return on assets | 1.0023% | 2,583 |
| Return on Equity (ROE) | 14.9699% | 675 |
| Retained earnings to average equity (ytd only) | 4.0030% | 2,410 |
| Net charge-offs to loans | 0.0042% | 7,186 |
| Credit loss provision to net charge-offs | 3,428.5714% | 102 |
| Earnings coverage of net charge-offs (x) | 332.5714% | 88 |
| Efficiency ratio | 81.9114% | 2,610 |
| Assets per employee ($millions) | 2.1568% | 7,608 |
| Cash dividends to net income (ytd only)* | 73.2597% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7343% | 7,301 |
| Loan loss allowance to noncurrent loans | 59.2925% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9830% | 5,147 |
| Noncurrent loans to loans | 1.2385% | 4,883 |
| Net loans and leases to total assets | 78.7854% | 1,230 |
| Net loans and leases to deposits | 85.7157% | 2,965 |
| Net loans and leases to core deposits | 93.7697% | 4,696 |
| Total domestic deposits to total assets | 91.9148% | 276 |
| Equity capital to assets | 6.5306% | 7,554 |
| Core capital (leverage) ratio | 6.3575% | 7,536 |
| Tier 1 risk-based capital ratio | 9.5884% | 7,173 |
| Total risk-based capital ratio | 10.4680% | 7,364 |
| Memoranda: | ||
| Average total assets | $208,318,000 | 3,079 |
| Average earning assets | $192,113,000 | 3,070 |
| Average equity | $13,914,600 | 4,274 |
| Average total loans | $166,454,200 | 2,671 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5437% | 4,192 |
| Cost of funding earning assets | 1.1103% | 7,157 |
| Net interest margin | 4.4334% | 1,358 |
| Noninterest income to average assets | 2.1981% | 321 |
| Noninterest expense to average assets | 4.9541% | 503 |
| Loan and lease loss provision to assets | 0.1162% | 6,204 |
| Net operating income to assets | 1.2114% | 1,438 |
| Return on assets (ROA) | 1.2114% | 1,497 |
| Pretax return on assets | 1.2146% | 2,217 |
| Return on Equity (ROE) | 18.0311% | 453 |
| Retained earnings to average equity (ytd only) | 4.8057% | 2,604 |
| Net charge-offs to loans | 0.0040% | 6,924 |
| Credit loss provision to net charge-offs | 3,600.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 411.9835% | 87 |
| Efficiency ratio | 78.8246% | 3,027 |
| Assets per employee ($millions) | 2.1321% | 7,685 |
| Cash dividends to net income (ytd only)* | 73.3475% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7096% | 7,343 |
| Loan loss allowance to noncurrent loans | 47.9025% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 1.2002% | 4,672 |
| Noncurrent loans to loans | 1.4813% | 4,449 |
| Net loans and leases to total assets | 78.6873% | 1,446 |
| Net loans and leases to deposits | 86.3259% | 3,253 |
| Net loans and leases to core deposits | 95.2221% | 4,905 |
| Total domestic deposits to total assets | 91.1515% | 363 |
| Equity capital to assets | 6.6113% | 7,738 |
| Core capital (leverage) ratio | 6.3803% | 7,712 |
| Tier 1 risk-based capital ratio | 9.7170% | 7,225 |
| Total risk-based capital ratio | 10.5710% | 7,469 |
| Memoranda: | ||
| Average total assets | $206,478,250 | 3,120 |
| Average earning assets | $190,337,250 | 3,115 |
| Average equity | $13,872,000 | 4,319 |
| Average total loans | $165,273,000 | 2,708 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6355% | 3,884 |
| Cost of funding earning assets | 1.1405% | 7,272 |
| Net interest margin | 4.4950% | 1,179 |
| Noninterest income to average assets | 2.2876% | 299 |
| Noninterest expense to average assets | 4.9737% | 520 |
| Loan and lease loss provision to assets | 0.1175% | 5,957 |
| Net operating income to assets | 1.3289% | 1,162 |
| Return on assets (ROA) | 1.3289% | 1,239 |
| Pretax return on assets | 1.3338% | 1,919 |
| Return on Equity (ROE) | 19.6705% | 355 |
| Retained earnings to average equity (ytd only) | 3.8413% | 3,156 |
| Net charge-offs to loans | 0.0037% | 6,566 |
| Credit loss provision to net charge-offs | 4,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 494.0000% | 63 |
| Efficiency ratio | 77.4120% | 3,437 |
| Assets per employee ($millions) | 2.1664% | 7,709 |
| Cash dividends to net income (ytd only)* | 80.4716% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6648% | 7,499 |
| Loan loss allowance to noncurrent loans | 77.6719% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8584% | 5,268 |
| Noncurrent loans to loans | 0.8559% | 5,507 |
| Net loans and leases to total assets | 79.4907% | 1,404 |
| Net loans and leases to deposits | 87.4501% | 3,274 |
| Net loans and leases to core deposits | 96.0094% | 4,902 |
| Total domestic deposits to total assets | 90.8985% | 490 |
| Equity capital to assets | 6.4662% | 7,828 |
| Core capital (leverage) ratio | 6.4666% | 7,812 |
| Tier 1 risk-based capital ratio | 9.3752% | 7,488 |
| Total risk-based capital ratio | 10.1730% | 7,766 |
| Memoranda: | ||
| Average total assets | $204,234,000 | 3,173 |
| Average earning assets | $187,987,670 | 3,167 |
| Average equity | $13,797,330 | 4,354 |
| Average total loans | $164,041,000 | 2,756 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7505% | 3,529 |
| Cost of funding earning assets | 1.1959% | 7,307 |
| Net interest margin | 4.5546% | 1,028 |
| Noninterest income to average assets | 2.2339% | 301 |
| Noninterest expense to average assets | 4.8213% | 547 |
| Loan and lease loss provision to assets | 0.1205% | 5,416 |
| Net operating income to assets | 1.4745% | 986 |
| Return on assets (ROA) | 1.4745% | 1,061 |
| Pretax return on assets | 1.4846% | 1,708 |
| Return on Equity (ROE) | 21.3341% | 340 |
| Retained earnings to average equity (ytd only) | 4.6214% | 3,352 |
| Net charge-offs to loans | 0.0025% | 5,702 |
| Credit loss provision to net charge-offs | 6,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 799.0000% | 20 |
| Efficiency ratio | 75.0234% | 3,660 |
| Assets per employee ($millions) | 2.0244% | 7,876 |
| Cash dividends to net income (ytd only)* | 78.3379% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6730% | 7,522 |
| Loan loss allowance to noncurrent loans | 92.8021% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 5,661 |
| Noncurrent loans to loans | 0.7252% | 5,609 |
| Net loans and leases to total assets | 79.7582% | 1,437 |
| Net loans and leases to deposits | 88.6282% | 3,166 |
| Net loans and leases to core deposits | 97.5183% | 4,799 |
| Total domestic deposits to total assets | 89.9919% | 805 |
| Equity capital to assets | 6.8831% | 7,730 |
| Core capital (leverage) ratio | 6.7069% | 7,795 |
| Tier 1 risk-based capital ratio | 9.7217% | 7,226 |
| Total risk-based capital ratio | 10.5132% | 7,596 |
| Memoranda: | ||
| Average total assets | $199,116,500 | 3,254 |
| Average earning assets | $183,287,500 | 3,246 |
| Average equity | $13,762,000 | 4,388 |
| Average total loans | $160,249,500 | 2,841 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2186% | 4,420 |
| Cost of funding earning assets | 1.6864% | 7,291 |
| Net interest margin | 4.5322% | 1,345 |
| Noninterest income to average assets | 1.7542% | 440 |
| Noninterest expense to average assets | 4.8604% | 681 |
| Loan and lease loss provision to assets | 0.1343% | 5,639 |
| Net operating income to assets | 0.8955% | 3,015 |
| Return on assets (ROA) | 0.8955% | 2,860 |
| Pretax return on assets | 0.8980% | 3,730 |
| Return on Equity (ROE) | 13.0850% | 1,308 |
| Retained earnings to average equity (ytd only) | 2.7091% | 3,496 |
| Net charge-offs to loans | 0.1384% | 4,839 |
| Credit loss provision to net charge-offs | 122.6415% | 4,380 |
| Earnings coverage of net charge-offs (x) | 9.4292% | 2,686 |
| Efficiency ratio | 82.4818% | 2,240 |
| Assets per employee ($millions) | 1.9981% | 7,912 |
| Cash dividends to net income (ytd only)* | 79.2964% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6417% | 7,571 |
| Loan loss allowance to noncurrent loans | 163.8400% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 6,050 |
| Noncurrent loans to loans | 0.3917% | 6,168 |
| Net loans and leases to total assets | 80.1467% | 1,630 |
| Net loans and leases to deposits | 89.4808% | 3,537 |
| Net loans and leases to core deposits | 97.7213% | 5,070 |
| Total domestic deposits to total assets | 89.5686% | 823 |
| Equity capital to assets | 6.9403% | 7,765 |
| Core capital (leverage) ratio | 6.7439% | 7,841 |
| Tier 1 risk-based capital ratio | 9.6180% | 7,188 |
| Total risk-based capital ratio | 10.3673% | 7,663 |
| Memoranda: | ||
| Average total assets | $193,645,400 | 3,215 |
| Average earning assets | $176,824,800 | 3,231 |
| Average equity | $13,251,800 | 4,509 |
| Average total loans | $153,217,400 | 2,868 |