Home > The Cortland Savings and Banking Company > Performance and Condition Ratios
The Cortland Savings and Banking Company, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6935% | 2,293 |
| Cost of funding earning assets | 0.2344% | 3,266 |
| Net interest margin | 3.4591% | 1,980 |
| Noninterest income to average assets | 0.8412% | 1,409 |
| Noninterest expense to average assets | 2.5275% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2392% | 2,023 |
| Return on assets (ROA) | 1.2682% | 1,981 |
| Pretax return on assets | 1.5299% | 1,907 |
| Return on Equity (ROE) | 12.8720% | 1,735 |
| Retained earnings to average equity (ytd only) | 7.2748% | 2,318 |
| Net charge-offs to loans | 0.0161% | 1,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 702 |
| Efficiency ratio | 62.8349% | 2,563 |
| Assets per employee ($millions) | 5.5252% | 3,170 |
| Cash dividends to net income (ytd only)* | 43.4840% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 3,096 |
| Loan loss allowance to noncurrent loans | 523.3743% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 3,156 |
| Noncurrent loans to loans | 0.2248% | 3,046 |
| Net loans and leases to total assets | 62.8904% | 1,903 |
| Net loans and leases to deposits | 72.1850% | 2,035 |
| Net loans and leases to core deposits | 72.6348% | 2,358 |
| Total domestic deposits to total assets | 87.1239% | 2,306 |
| Equity capital to assets | 9.9781% | 2,926 |
| Core capital (leverage) ratio | 9.7959% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8326% | 2,036 |
| Memoranda: | ||
| Average total assets | $797,878,000 | 1,175 |
| Average earning assets | $733,774,750 | 1,185 |
| Average equity | $78,607,750 | 1,240 |
| Average total loans | $522,666,500 | 1,144 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6924% | 2,357 |
| Cost of funding earning assets | 0.2577% | 3,210 |
| Net interest margin | 3.4346% | 2,049 |
| Noninterest income to average assets | 0.7944% | 1,553 |
| Noninterest expense to average assets | 2.3866% | 2,507 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3251% | 1,789 |
| Return on assets (ROA) | 1.3370% | 1,829 |
| Pretax return on assets | 1.5790% | 1,801 |
| Return on Equity (ROE) | 13.6291% | 1,531 |
| Retained earnings to average equity (ytd only) | 8.7789% | 1,787 |
| Net charge-offs to loans | 0.0151% | 1,644 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 156.2250% | 579 |
| Efficiency ratio | 60.3967% | 2,961 |
| Assets per employee ($millions) | 5.2285% | 3,430 |
| Cash dividends to net income (ytd only)* | 35.5872% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,900 |
| Loan loss allowance to noncurrent loans | 425.2489% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 3,074 |
| Noncurrent loans to loans | 0.2838% | 2,920 |
| Net loans and leases to total assets | 62.0041% | 2,178 |
| Net loans and leases to deposits | 72.2313% | 2,188 |
| Net loans and leases to core deposits | 72.9308% | 2,526 |
| Total domestic deposits to total assets | 85.8410% | 2,791 |
| Equity capital to assets | 10.1332% | 2,740 |
| Core capital (leverage) ratio | 9.5105% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7726% | 1,702 |
| Memoranda: | ||
| Average total assets | $798,627,667 | 1,159 |
| Average earning assets | $734,109,667 | 1,175 |
| Average equity | $78,347,333 | 1,241 |
| Average total loans | $528,112,000 | 1,144 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7539% | 2,235 |
| Cost of funding earning assets | 0.2892% | 3,110 |
| Net interest margin | 3.4647% | 1,918 |
| Noninterest income to average assets | 0.8481% | 1,468 |
| Noninterest expense to average assets | 2.3760% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3966% | 1,585 |
| Return on assets (ROA) | 1.4263% | 1,576 |
| Pretax return on assets | 1.6933% | 1,506 |
| Return on Equity (ROE) | 14.7781% | 1,261 |
| Retained earnings to average equity (ytd only) | 8.8442% | 2,001 |
| Net charge-offs to loans | -0.0007% | 3,028 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9012% | 3,167 |
| Assets per employee ($millions) | 5.1529% | 3,483 |
| Cash dividends to net income (ytd only)* | 40.1536% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 3,209 |
| Loan loss allowance to noncurrent loans | 267.7936% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 2,722 |
| Noncurrent loans to loans | 0.4280% | 2,578 |
| Net loans and leases to total assets | 65.8518% | 1,813 |
| Net loans and leases to deposits | 76.2789% | 1,881 |
| Net loans and leases to core deposits | 78.3140% | 2,154 |
| Total domestic deposits to total assets | 86.3303% | 2,616 |
| Equity capital to assets | 9.8303% | 2,863 |
| Core capital (leverage) ratio | 9.4102% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4775% | 1,748 |
| Memoranda: | ||
| Average total assets | $803,188,500 | 1,135 |
| Average earning assets | $738,532,000 | 1,158 |
| Average equity | $77,520,000 | 1,245 |
| Average total loans | $544,415,500 | 1,121 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 3,205 |
| Cost of funding earning assets | 0.5400% | 2,675 |
| Net interest margin | 3.2943% | 3,079 |
| Noninterest income to average assets | 0.9512% | 1,146 |
| Noninterest expense to average assets | 2.3842% | 3,169 |
| Loan and lease loss provision to assets | 0.2047% | 1,919 |
| Net operating income to assets | 1.1744% | 1,637 |
| Return on assets (ROA) | 1.1899% | 1,695 |
| Pretax return on assets | 1.4059% | 1,638 |
| Return on Equity (ROE) | 12.5382% | 1,168 |
| Retained earnings to average equity (ytd only) | 3.9766% | 2,840 |
| Net charge-offs to loans | 0.0040% | 3,219 |
| Credit loss provision to net charge-offs | 7,500.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 583.3333% | 203 |
| Efficiency ratio | 59.9542% | 3,463 |
| Assets per employee ($millions) | 5.5269% | 2,819 |
| Cash dividends to net income (ytd only)* | 68.2836% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 3,609 |
| Loan loss allowance to noncurrent loans | 315.4612% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 3,123 |
| Noncurrent loans to loans | 0.3385% | 2,988 |
| Net loans and leases to total assets | 68.1702% | 1,805 |
| Net loans and leases to deposits | 79.5902% | 1,913 |
| Net loans and leases to core deposits | 82.7142% | 2,141 |
| Total domestic deposits to total assets | 85.6514% | 2,511 |
| Equity capital to assets | 9.4792% | 3,638 |
| Core capital (leverage) ratio | 9.1758% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7225% | 1,960 |
| Memoranda: | ||
| Average total assets | $769,241,400 | 1,090 |
| Average earning assets | $706,456,400 | 1,091 |
| Average equity | $73,001,200 | 1,248 |
| Average total loans | $529,512,400 | 1,087 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 3,330 |
| Cost of funding earning assets | 0.5952% | 2,644 |
| Net interest margin | 3.2825% | 3,241 |
| Noninterest income to average assets | 0.8950% | 1,237 |
| Noninterest expense to average assets | 2.3621% | 3,247 |
| Loan and lease loss provision to assets | 0.2774% | 1,449 |
| Net operating income to assets | 1.0806% | 2,045 |
| Return on assets (ROA) | 1.0833% | 2,168 |
| Pretax return on assets | 1.2726% | 2,148 |
| Return on Equity (ROE) | 11.4115% | 1,555 |
| Retained earnings to average equity (ytd only) | 1.1150% | 4,218 |
| Net charge-offs to loans | -0.0013% | 3,837 |
| Credit loss provision to net charge-offs | -31,500.0000% | 4,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4280% | 3,326 |
| Assets per employee ($millions) | 5.3177% | 2,872 |
| Cash dividends to net income (ytd only)* | 90.2292% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 3,107 |
| Loan loss allowance to noncurrent loans | 312.4031% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 3,243 |
| Noncurrent loans to loans | 0.3579% | 3,007 |
| Net loans and leases to total assets | 66.1472% | 2,503 |
| Net loans and leases to deposits | 78.5376% | 2,471 |
| Net loans and leases to core deposits | 82.3793% | 2,635 |
| Total domestic deposits to total assets | 84.2236% | 2,744 |
| Equity capital to assets | 9.2380% | 3,919 |
| Core capital (leverage) ratio | 8.7952% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0430% | 2,182 |
| Memoranda: | ||
| Average total assets | $757,057,250 | 1,091 |
| Average earning assets | $695,102,500 | 1,094 |
| Average equity | $71,867,000 | 1,255 |
| Average total loans | $520,981,500 | 1,092 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 3,354 |
| Cost of funding earning assets | 0.6579% | 2,642 |
| Net interest margin | 3.3314% | 3,305 |
| Noninterest income to average assets | 0.8452% | 1,305 |
| Noninterest expense to average assets | 2.4028% | 3,258 |
| Loan and lease loss provision to assets | 0.2838% | 1,514 |
| Net operating income to assets | 1.0348% | 2,205 |
| Return on assets (ROA) | 1.0390% | 2,324 |
| Pretax return on assets | 1.2208% | 2,290 |
| Return on Equity (ROE) | 10.8384% | 1,689 |
| Retained earnings to average equity (ytd only) | -3.1185% | 4,664 |
| Net charge-offs to loans | -0.0019% | 3,819 |
| Credit loss provision to net charge-offs | -21,000.0000% | 4,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5694% | 3,190 |
| Assets per employee ($millions) | 5.0770% | 3,088 |
| Cash dividends to net income (ytd only)* | 128.7721% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,383 |
| Loan loss allowance to noncurrent loans | 265.1297% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 3,246 |
| Noncurrent loans to loans | 0.3909% | 3,003 |
| Net loans and leases to total assets | 67.8619% | 2,379 |
| Net loans and leases to deposits | 81.2699% | 2,284 |
| Net loans and leases to core deposits | 86.9086% | 2,361 |
| Total domestic deposits to total assets | 83.5020% | 2,928 |
| Equity capital to assets | 9.3003% | 3,830 |
| Core capital (leverage) ratio | 8.9329% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0492% | 2,158 |
| Memoranda: | ||
| Average total assets | $739,977,667 | 1,090 |
| Average earning assets | $679,114,333 | 1,102 |
| Average equity | $70,932,667 | 1,254 |
| Average total loans | $514,405,333 | 1,094 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 3,237 |
| Cost of funding earning assets | 0.7429% | 2,706 |
| Net interest margin | 3.4491% | 3,151 |
| Noninterest income to average assets | 0.7988% | 1,320 |
| Noninterest expense to average assets | 2.5583% | 3,107 |
| Loan and lease loss provision to assets | 0.3326% | 927 |
| Net operating income to assets | 0.9147% | 2,469 |
| Return on assets (ROA) | 0.9147% | 2,580 |
| Pretax return on assets | 1.0682% | 2,615 |
| Return on Equity (ROE) | 9.3913% | 1,960 |
| Retained earnings to average equity (ytd only) | -14.5139% | 4,885 |
| Net charge-offs to loans | -0.0174% | 4,288 |
| Credit loss provision to net charge-offs | -2,727.2727% | 3,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6178% | 3,125 |
| Assets per employee ($millions) | 4.4893% | 3,274 |
| Cash dividends to net income (ytd only)* | 254.5455% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 3,472 |
| Loan loss allowance to noncurrent loans | 241.0900% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 3,264 |
| Noncurrent loans to loans | 0.4333% | 2,953 |
| Net loans and leases to total assets | 67.9344% | 2,549 |
| Net loans and leases to deposits | 81.1842% | 2,555 |
| Net loans and leases to core deposits | 88.6354% | 2,473 |
| Total domestic deposits to total assets | 83.6794% | 2,895 |
| Equity capital to assets | 9.8151% | 3,946 |
| Core capital (leverage) ratio | 9.4853% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7049% | 2,392 |
| Memoranda: | ||
| Average total assets | $721,575,000 | 1,084 |
| Average earning assets | $661,158,000 | 1,089 |
| Average equity | $70,277,500 | 1,255 |
| Average total loans | $505,278,000 | 1,091 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 2,662 |
| Cost of funding earning assets | 0.8631% | 2,364 |
| Net interest margin | 3.7246% | 2,740 |
| Noninterest income to average assets | 0.7068% | 1,789 |
| Noninterest expense to average assets | 2.6131% | 3,141 |
| Loan and lease loss provision to assets | 0.1018% | 2,026 |
| Net operating income to assets | 1.1783% | 2,141 |
| Return on assets (ROA) | 1.1731% | 2,260 |
| Pretax return on assets | 1.4111% | 2,115 |
| Return on Equity (ROE) | 12.2838% | 1,403 |
| Retained earnings to average equity (ytd only) | 7.2152% | 1,302 |
| Net charge-offs to loans | 0.0896% | 1,840 |
| Credit loss provision to net charge-offs | 159.5982% | 1,616 |
| Earnings coverage of net charge-offs (x) | 23.8192% | 1,801 |
| Efficiency ratio | 63.2364% | 3,188 |
| Assets per employee ($millions) | 4.5580% | 3,148 |
| Cash dividends to net income (ytd only)* | 41.2621% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 4,147 |
| Loan loss allowance to noncurrent loans | 191.3025% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 3,146 |
| Noncurrent loans to loans | 0.4458% | 2,843 |
| Net loans and leases to total assets | 70.7427% | 2,285 |
| Net loans and leases to deposits | 83.9355% | 2,342 |
| Net loans and leases to core deposits | 91.1914% | 2,303 |
| Total domestic deposits to total assets | 84.2822% | 2,761 |
| Equity capital to assets | 9.6664% | 4,209 |
| Core capital (leverage) ratio | 9.8540% | 3,672 |
| Tier 1 risk-based capital ratio | 12.2481% | 4,215 |
| Total risk-based capital ratio | 14.1000% | 3,755 |
| Memoranda: | ||
| Average total assets | $702,415,600 | 1,066 |
| Average earning assets | $646,010,200 | 1,070 |
| Average equity | $67,080,200 | 1,265 |
| Average total loans | $500,143,400 | 1,078 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 2,614 |
| Cost of funding earning assets | 0.8732% | 2,352 |
| Net interest margin | 3.7621% | 2,711 |
| Noninterest income to average assets | 0.6984% | 1,793 |
| Noninterest expense to average assets | 2.6272% | 3,083 |
| Loan and lease loss provision to assets | 0.1027% | 1,868 |
| Net operating income to assets | 1.1928% | 2,220 |
| Return on assets (ROA) | 1.1858% | 2,324 |
| Pretax return on assets | 1.4203% | 2,229 |
| Return on Equity (ROE) | 12.4565% | 1,465 |
| Retained earnings to average equity (ytd only) | 9.2300% | 981 |
| Net charge-offs to loans | 0.0248% | 2,606 |
| Credit loss provision to net charge-offs | 581.5217% | 559 |
| Earnings coverage of net charge-offs (x) | 86.7200% | 815 |
| Efficiency ratio | 63.1739% | 3,130 |
| Assets per employee ($millions) | 4.3859% | 3,363 |
| Cash dividends to net income (ytd only)* | 25.9026% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 3,870 |
| Loan loss allowance to noncurrent loans | 164.6913% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 2,890 |
| Noncurrent loans to loans | 0.5711% | 2,586 |
| Net loans and leases to total assets | 70.0907% | 2,453 |
| Net loans and leases to deposits | 83.2205% | 2,541 |
| Net loans and leases to core deposits | 91.7799% | 2,391 |
| Total domestic deposits to total assets | 84.2230% | 2,741 |
| Equity capital to assets | 10.1478% | 3,873 |
| Core capital (leverage) ratio | 10.0684% | 3,567 |
| Tier 1 risk-based capital ratio | 12.1630% | 4,335 |
| Total risk-based capital ratio | 14.0398% | 3,854 |
| Memoranda: | ||
| Average total assets | $694,558,500 | 1,076 |
| Average earning assets | $638,853,000 | 1,080 |
| Average equity | $66,116,250 | 1,278 |
| Average total loans | $494,277,750 | 1,093 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 2,400 |
| Cost of funding earning assets | 0.8683% | 2,306 |
| Net interest margin | 3.8196% | 2,519 |
| Noninterest income to average assets | 0.6410% | 1,970 |
| Noninterest expense to average assets | 2.6386% | 3,090 |
| Loan and lease loss provision to assets | 0.1024% | 1,825 |
| Net operating income to assets | 1.1852% | 2,205 |
| Return on assets (ROA) | 1.1747% | 2,319 |
| Pretax return on assets | 1.4083% | 2,180 |
| Return on Equity (ROE) | 12.6196% | 1,364 |
| Retained earnings to average equity (ytd only) | 9.8317% | 810 |
| Net charge-offs to loans | 0.0275% | 2,304 |
| Credit loss provision to net charge-offs | 522.0588% | 579 |
| Earnings coverage of net charge-offs (x) | 77.6912% | 834 |
| Efficiency ratio | 63.3989% | 3,228 |
| Assets per employee ($millions) | 4.2436% | 3,503 |
| Cash dividends to net income (ytd only)* | 22.0913% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 3,973 |
| Loan loss allowance to noncurrent loans | 183.5106% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 3,114 |
| Noncurrent loans to loans | 0.5054% | 2,763 |
| Net loans and leases to total assets | 69.6958% | 2,569 |
| Net loans and leases to deposits | 83.0386% | 2,603 |
| Net loans and leases to core deposits | 91.0862% | 2,500 |
| Total domestic deposits to total assets | 83.9318% | 2,898 |
| Equity capital to assets | 9.8860% | 4,070 |
| Core capital (leverage) ratio | 9.9028% | 3,700 |
| Tier 1 risk-based capital ratio | 12.0924% | 4,367 |
| Total risk-based capital ratio | 13.9691% | 3,901 |
| Memoranda: | ||
| Average total assets | $693,626,000 | 1,082 |
| Average earning assets | $639,383,000 | 1,078 |
| Average equity | $64,566,330 | 1,298 |
| Average total loans | $494,562,670 | 1,091 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7220% | 2,152 |
| Cost of funding earning assets | 0.8538% | 2,250 |
| Net interest margin | 3.8682% | 2,287 |
| Noninterest income to average assets | 0.6539% | 1,806 |
| Noninterest expense to average assets | 2.5945% | 3,228 |
| Loan and lease loss provision to assets | 0.1005% | 1,751 |
| Net operating income to assets | 1.2711% | 1,808 |
| Return on assets (ROA) | 1.2711% | 1,855 |
| Pretax return on assets | 1.5278% | 1,684 |
| Return on Equity (ROE) | 14.0867% | 950 |
| Retained earnings to average equity (ytd only) | 8.3604% | 1,530 |
| Net charge-offs to loans | 0.0264% | 1,926 |
| Credit loss provision to net charge-offs | 530.3030% | 592 |
| Earnings coverage of net charge-offs (x) | 85.9394% | 726 |
| Efficiency ratio | 61.4412% | 3,618 |
| Assets per employee ($millions) | 4.1857% | 3,646 |
| Cash dividends to net income (ytd only)* | 40.6504% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 4,178 |
| Loan loss allowance to noncurrent loans | 210.8844% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 3,402 |
| Noncurrent loans to loans | 0.4247% | 3,065 |
| Net loans and leases to total assets | 70.3964% | 2,419 |
| Net loans and leases to deposits | 83.9207% | 2,397 |
| Net loans and leases to core deposits | 94.7982% | 2,048 |
| Total domestic deposits to total assets | 83.8844% | 3,085 |
| Equity capital to assets | 9.4484% | 4,304 |
| Core capital (leverage) ratio | 9.5716% | 4,055 |
| Tier 1 risk-based capital ratio | 11.3544% | 4,806 |
| Total risk-based capital ratio | 13.1410% | 4,424 |
| Memoranda: | ||
| Average total assets | $696,704,500 | 1,084 |
| Average earning assets | $642,781,500 | 1,077 |
| Average equity | $62,868,000 | 1,322 |
| Average total loans | $500,033,000 | 1,081 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 2,794 |
| Cost of funding earning assets | 0.6965% | 2,114 |
| Net interest margin | 3.6940% | 3,052 |
| Noninterest income to average assets | 0.8282% | 1,376 |
| Noninterest expense to average assets | 2.5585% | 3,445 |
| Loan and lease loss provision to assets | 0.1061% | 2,081 |
| Net operating income to assets | 1.3531% | 1,606 |
| Return on assets (ROA) | 1.3505% | 1,600 |
| Pretax return on assets | 1.5775% | 1,533 |
| Return on Equity (ROE) | 15.7539% | 678 |
| Retained earnings to average equity (ytd only) | 8.6668% | 994 |
| Net charge-offs to loans | 0.2292% | 852 |
| Credit loss provision to net charge-offs | 65.6109% | 3,043 |
| Earnings coverage of net charge-offs (x) | 10.4271% | 2,719 |
| Efficiency ratio | 60.2676% | 3,810 |
| Assets per employee ($millions) | 4.4446% | 3,247 |
| Cash dividends to net income (ytd only)* | 44.9864% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8145% | 4,484 |
| Loan loss allowance to noncurrent loans | 187.9982% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 3,299 |
| Noncurrent loans to loans | 0.4332% | 2,987 |
| Net loans and leases to total assets | 71.8896% | 2,273 |
| Net loans and leases to deposits | 84.5491% | 2,451 |
| Net loans and leases to core deposits | 93.2847% | 2,289 |
| Total domestic deposits to total assets | 85.0270% | 2,639 |
| Equity capital to assets | 8.6160% | 4,863 |
| Core capital (leverage) ratio | 9.5119% | 4,102 |
| Tier 1 risk-based capital ratio | 11.9105% | 4,490 |
| Total risk-based capital ratio | 13.7966% | 3,981 |
| Memoranda: | ||
| Average total assets | $683,088,600 | 1,078 |
| Average earning assets | $631,893,800 | 1,070 |
| Average equity | $58,557,000 | 1,347 |
| Average total loans | $482,159,000 | 1,083 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 2,911 |
| Cost of funding earning assets | 0.6733% | 2,012 |
| Net interest margin | 3.6428% | 3,216 |
| Noninterest income to average assets | 0.9300% | 1,111 |
| Noninterest expense to average assets | 2.5559% | 3,423 |
| Loan and lease loss provision to assets | 0.1282% | 1,569 |
| Net operating income to assets | 1.4081% | 1,458 |
| Return on assets (ROA) | 1.4045% | 1,469 |
| Pretax return on assets | 1.6134% | 1,540 |
| Return on Equity (ROE) | 16.4064% | 626 |
| Retained earnings to average equity (ytd only) | 8.9197% | 1,251 |
| Net charge-offs to loans | 0.3028% | 548 |
| Credit loss provision to net charge-offs | 60.4089% | 2,743 |
| Earnings coverage of net charge-offs (x) | 8.2268% | 2,734 |
| Efficiency ratio | 59.4168% | 3,903 |
| Assets per employee ($millions) | 4.2901% | 3,441 |
| Cash dividends to net income (ytd only)* | 45.6333% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 4,420 |
| Loan loss allowance to noncurrent loans | 176.9067% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 3,290 |
| Noncurrent loans to loans | 0.4859% | 2,933 |
| Net loans and leases to total assets | 70.6429% | 2,549 |
| Net loans and leases to deposits | 85.2940% | 2,445 |
| Net loans and leases to core deposits | 95.3187% | 2,184 |
| Total domestic deposits to total assets | 82.8228% | 3,368 |
| Equity capital to assets | 8.6306% | 4,848 |
| Core capital (leverage) ratio | 9.4770% | 4,202 |
| Tier 1 risk-based capital ratio | 11.6530% | 4,703 |
| Total risk-based capital ratio | 13.5247% | 4,223 |
| Memoranda: | ||
| Average total assets | $676,076,250 | 1,084 |
| Average earning assets | $625,738,250 | 1,081 |
| Average equity | $57,878,250 | 1,359 |
| Average total loans | $473,840,750 | 1,097 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 2,931 |
| Cost of funding earning assets | 0.6422% | 1,975 |
| Net interest margin | 3.6118% | 3,268 |
| Noninterest income to average assets | 1.0606% | 860 |
| Noninterest expense to average assets | 2.5451% | 3,501 |
| Loan and lease loss provision to assets | 0.1702% | 1,079 |
| Net operating income to assets | 1.4978% | 1,169 |
| Return on assets (ROA) | 1.4922% | 1,178 |
| Pretax return on assets | 1.6811% | 1,265 |
| Return on Equity (ROE) | 17.4786% | 478 |
| Retained earnings to average equity (ytd only) | 8.9820% | 1,225 |
| Net charge-offs to loans | 0.4495% | 341 |
| Credit loss provision to net charge-offs | 54.3478% | 2,468 |
| Earnings coverage of net charge-offs (x) | 5.9301% | 2,673 |
| Efficiency ratio | 57.8077% | 4,265 |
| Assets per employee ($millions) | 4.1463% | 3,659 |
| Cash dividends to net income (ytd only)* | 48.6111% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 4,452 |
| Loan loss allowance to noncurrent loans | 198.9796% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 3,519 |
| Noncurrent loans to loans | 0.4388% | 3,120 |
| Net loans and leases to total assets | 70.5148% | 2,501 |
| Net loans and leases to deposits | 83.3114% | 2,608 |
| Net loans and leases to core deposits | 92.4919% | 2,356 |
| Total domestic deposits to total assets | 84.6399% | 2,824 |
| Equity capital to assets | 8.8478% | 4,683 |
| Core capital (leverage) ratio | 9.4285% | 4,203 |
| Tier 1 risk-based capital ratio | 11.9653% | 4,524 |
| Total risk-based capital ratio | 13.9158% | 3,987 |
| Memoranda: | ||
| Average total assets | $675,491,670 | 1,090 |
| Average earning assets | $625,057,330 | 1,083 |
| Average equity | $57,670,670 | 1,368 |
| Average total loans | $470,790,670 | 1,108 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1566% | 3,040 |
| Cost of funding earning assets | 0.6219% | 1,903 |
| Net interest margin | 3.5347% | 3,407 |
| Noninterest income to average assets | 0.5723% | 2,410 |
| Noninterest expense to average assets | 2.4751% | 3,729 |
| Loan and lease loss provision to assets | 0.2926% | 449 |
| Net operating income to assets | 0.9209% | 3,200 |
| Return on assets (ROA) | 0.9309% | 3,174 |
| Pretax return on assets | 1.0854% | 3,226 |
| Return on Equity (ROE) | 11.0985% | 1,928 |
| Retained earnings to average equity (ytd only) | 6.9130% | 2,321 |
| Net charge-offs to loans | 1.0125% | 142 |
| Credit loss provision to net charge-offs | 41.8760% | 2,001 |
| Earnings coverage of net charge-offs (x) | 1.9556% | 2,501 |
| Efficiency ratio | 64.4326% | 3,411 |
| Assets per employee ($millions) | 4.1225% | 3,768 |
| Cash dividends to net income (ytd only)* | 37.7121% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 4,614 |
| Loan loss allowance to noncurrent loans | 405.4280% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 3,595 |
| Noncurrent loans to loans | 0.2114% | 4,026 |
| Net loans and leases to total assets | 68.1095% | 2,758 |
| Net loans and leases to deposits | 81.0052% | 2,699 |
| Net loans and leases to core deposits | 95.8688% | 1,987 |
| Total domestic deposits to total assets | 84.0804% | 3,293 |
| Equity capital to assets | 8.5892% | 4,908 |
| Core capital (leverage) ratio | 9.0028% | 4,675 |
| Tier 1 risk-based capital ratio | 11.8009% | 4,685 |
| Total risk-based capital ratio | 13.7342% | 4,154 |
| Memoranda: | ||
| Average total assets | $683,606,500 | 1,088 |
| Average earning assets | $632,240,500 | 1,087 |
| Average equity | $57,341,000 | 1,382 |
| Average total loans | $471,700,000 | 1,117 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 3,617 |
| Cost of funding earning assets | 0.5367% | 2,060 |
| Net interest margin | 3.4014% | 3,852 |
| Noninterest income to average assets | 0.7883% | 1,612 |
| Noninterest expense to average assets | 2.7868% | 2,818 |
| Loan and lease loss provision to assets | 0.0155% | 3,985 |
| Net operating income to assets | 0.7317% | 3,466 |
| Return on assets (ROA) | 0.7324% | 3,503 |
| Pretax return on assets | 1.1223% | 3,100 |
| Return on Equity (ROE) | 8.4666% | 2,568 |
| Retained earnings to average equity (ytd only) | 5.0721% | 2,081 |
| Net charge-offs to loans | 0.0910% | 2,176 |
| Credit loss provision to net charge-offs | 25.6410% | 3,571 |
| Earnings coverage of net charge-offs (x) | 18.8590% | 2,055 |
| Efficiency ratio | 71.0296% | 2,393 |
| Assets per employee ($millions) | 4.4226% | 3,316 |
| Cash dividends to net income (ytd only)* | 40.0928% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 4,298 |
| Loan loss allowance to noncurrent loans | 519.0476% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 3,881 |
| Noncurrent loans to loans | 0.1799% | 4,199 |
| Net loans and leases to total assets | 68.6375% | 2,736 |
| Net loans and leases to deposits | 82.8668% | 2,623 |
| Net loans and leases to core deposits | 97.2302% | 1,919 |
| Total domestic deposits to total assets | 82.8288% | 3,618 |
| Equity capital to assets | 8.2005% | 5,302 |
| Core capital (leverage) ratio | 9.2514% | 4,345 |
| Tier 1 risk-based capital ratio | 11.7454% | 4,688 |
| Total risk-based capital ratio | 13.8375% | 4,046 |
| Memoranda: | ||
| Average total assets | $647,081,200 | 1,126 |
| Average earning assets | $596,422,400 | 1,121 |
| Average equity | $55,973,200 | 1,394 |
| Average total loans | $428,389,200 | 1,170 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9784% | 3,426 |
| Cost of funding earning assets | 0.5385% | 1,965 |
| Net interest margin | 3.4398% | 3,711 |
| Noninterest income to average assets | 0.8760% | 1,352 |
| Noninterest expense to average assets | 2.8706% | 2,506 |
| Loan and lease loss provision to assets | 0.0211% | 3,727 |
| Net operating income to assets | 0.9528% | 2,765 |
| Return on assets (ROA) | 0.9570% | 2,793 |
| Pretax return on assets | 1.1562% | 3,090 |
| Return on Equity (ROE) | 10.9050% | 1,739 |
| Retained earnings to average equity (ytd only) | 7.2988% | 1,538 |
| Net charge-offs to loans | 0.0617% | 2,232 |
| Credit loss provision to net charge-offs | 52.3560% | 2,886 |
| Earnings coverage of net charge-offs (x) | 29.0890% | 1,589 |
| Efficiency ratio | 71.0051% | 2,366 |
| Assets per employee ($millions) | 3.9037% | 4,152 |
| Cash dividends to net income (ytd only)* | 33.0688% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 3,191 |
| Loan loss allowance to noncurrent loans | 398.4153% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 3,760 |
| Noncurrent loans to loans | 0.2890% | 3,904 |
| Net loans and leases to total assets | 65.2608% | 3,211 |
| Net loans and leases to deposits | 77.8474% | 3,183 |
| Net loans and leases to core deposits | 90.5613% | 2,562 |
| Total domestic deposits to total assets | 83.8318% | 3,182 |
| Equity capital to assets | 9.2228% | 4,710 |
| Core capital (leverage) ratio | 9.4891% | 4,181 |
| Tier 1 risk-based capital ratio | 12.1451% | 4,523 |
| Total risk-based capital ratio | 14.3523% | 3,849 |
| Memoranda: | ||
| Average total assets | $631,946,750 | 1,149 |
| Average earning assets | $581,798,750 | 1,153 |
| Average equity | $55,459,500 | 1,414 |
| Average total loans | $412,919,000 | 1,214 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9435% | 3,394 |
| Cost of funding earning assets | 0.5302% | 1,916 |
| Net interest margin | 3.4133% | 3,727 |
| Noninterest income to average assets | 0.6230% | 2,361 |
| Noninterest expense to average assets | 2.8602% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7285% | 3,716 |
| Return on assets (ROA) | 0.7364% | 3,749 |
| Pretax return on assets | 0.9168% | 3,875 |
| Return on Equity (ROE) | 8.5347% | 2,757 |
| Retained earnings to average equity (ytd only) | 4.5071% | 3,025 |
| Net charge-offs to loans | 0.0184% | 2,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 75.5526% | 798 |
| Efficiency ratio | 75.9245% | 1,729 |
| Assets per employee ($millions) | 3.9697% | 4,002 |
| Cash dividends to net income (ytd only)* | 47.1900% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 3,196 |
| Loan loss allowance to noncurrent loans | 282.9525% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 3,195 |
| Noncurrent loans to loans | 0.4134% | 3,543 |
| Net loans and leases to total assets | 64.6509% | 3,297 |
| Net loans and leases to deposits | 76.7807% | 3,246 |
| Net loans and leases to core deposits | 90.3098% | 2,487 |
| Total domestic deposits to total assets | 84.2020% | 3,124 |
| Equity capital to assets | 8.8712% | 5,019 |
| Core capital (leverage) ratio | 9.1517% | 4,554 |
| Tier 1 risk-based capital ratio | 12.1135% | 4,562 |
| Total risk-based capital ratio | 14.3947% | 3,823 |
| Memoranda: | ||
| Average total assets | $633,096,330 | 1,152 |
| Average earning assets | $583,186,670 | 1,151 |
| Average equity | $54,624,330 | 1,435 |
| Average total loans | $412,245,330 | 1,214 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 3,422 |
| Cost of funding earning assets | 0.5210% | 1,931 |
| Net interest margin | 3.3730% | 3,742 |
| Noninterest income to average assets | 0.5533% | 2,644 |
| Noninterest expense to average assets | 2.8559% | 2,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6659% | 3,850 |
| Return on assets (ROA) | 0.6706% | 3,874 |
| Pretax return on assets | 0.8151% | 4,059 |
| Return on Equity (ROE) | 7.8828% | 2,979 |
| Retained earnings to average equity (ytd only) | 2.6919% | 4,061 |
| Net charge-offs to loans | 0.0126% | 2,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 98.6923% | 540 |
| Efficiency ratio | 77.9174% | 1,640 |
| Assets per employee ($millions) | 3.7818% | 4,369 |
| Cash dividends to net income (ytd only)* | 65.8514% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 3,046 |
| Loan loss allowance to noncurrent loans | 158.4013% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.7092% | 2,518 |
| Noncurrent loans to loans | 0.7672% | 2,557 |
| Net loans and leases to total assets | 64.0248% | 3,273 |
| Net loans and leases to deposits | 76.2060% | 3,174 |
| Net loans and leases to core deposits | 87.6631% | 2,576 |
| Total domestic deposits to total assets | 84.0154% | 3,471 |
| Equity capital to assets | 8.7797% | 5,014 |
| Core capital (leverage) ratio | 9.0373% | 4,688 |
| Tier 1 risk-based capital ratio | 12.1454% | 4,625 |
| Total risk-based capital ratio | 14.4729% | 3,852 |
| Memoranda: | ||
| Average total assets | $634,056,500 | 1,154 |
| Average earning assets | $585,001,000 | 1,147 |
| Average equity | $53,940,000 | 1,446 |
| Average total loans | $411,922,500 | 1,216 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 3,291 |
| Cost of funding earning assets | 0.5153% | 1,978 |
| Net interest margin | 3.4591% | 3,587 |
| Noninterest income to average assets | 0.6636% | 2,350 |
| Noninterest expense to average assets | 2.8834% | 2,728 |
| Loan and lease loss provision to assets | 0.0082% | 4,203 |
| Net operating income to assets | 0.7613% | 3,482 |
| Return on assets (ROA) | 0.8206% | 3,306 |
| Pretax return on assets | 1.0475% | 3,304 |
| Return on Equity (ROE) | 9.2041% | 2,314 |
| Retained earnings to average equity (ytd only) | 6.6443% | 1,386 |
| Net charge-offs to loans | 0.0945% | 2,355 |
| Credit loss provision to net charge-offs | 13.2979% | 3,724 |
| Earnings coverage of net charge-offs (x) | 15.9840% | 2,151 |
| Efficiency ratio | 74.6403% | 2,196 |
| Assets per employee ($millions) | 3.9981% | 3,971 |
| Cash dividends to net income (ytd only)* | 27.8109% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 3,448 |
| Loan loss allowance to noncurrent loans | 175.2340% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 3,078 |
| Noncurrent loans to loans | 0.6547% | 2,891 |
| Net loans and leases to total assets | 64.3647% | 3,310 |
| Net loans and leases to deposits | 77.6522% | 3,144 |
| Net loans and leases to core deposits | 87.4314% | 2,733 |
| Total domestic deposits to total assets | 82.8885% | 3,801 |
| Equity capital to assets | 8.2493% | 5,446 |
| Core capital (leverage) ratio | 9.0979% | 4,619 |
| Tier 1 risk-based capital ratio | 12.2277% | 4,554 |
| Total risk-based capital ratio | 14.5887% | 3,780 |
| Memoranda: | ||
| Average total assets | $613,482,800 | 1,144 |
| Average earning assets | $567,429,000 | 1,141 |
| Average equity | $54,693,200 | 1,409 |
| Average total loans | $397,962,800 | 1,207 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0108% | 3,191 |
| Cost of funding earning assets | 0.5155% | 1,975 |
| Net interest margin | 3.4953% | 3,486 |
| Noninterest income to average assets | 0.7040% | 2,149 |
| Noninterest expense to average assets | 2.9426% | 2,489 |
| Loan and lease loss provision to assets | 0.0110% | 4,023 |
| Net operating income to assets | 0.7660% | 3,529 |
| Return on assets (ROA) | 0.8449% | 3,292 |
| Pretax return on assets | 1.0820% | 3,307 |
| Return on Equity (ROE) | 9.2897% | 2,361 |
| Retained earnings to average equity (ytd only) | 6.7409% | 1,760 |
| Net charge-offs to loans | 0.1121% | 1,822 |
| Credit loss provision to net charge-offs | 15.1976% | 3,326 |
| Earnings coverage of net charge-offs (x) | 13.6564% | 2,296 |
| Efficiency ratio | 74.7896% | 2,146 |
| Assets per employee ($millions) | 3.6763% | 4,522 |
| Cash dividends to net income (ytd only)* | 27.4367% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 3,068 |
| Loan loss allowance to noncurrent loans | 217.2856% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 3,475 |
| Noncurrent loans to loans | 0.5658% | 3,305 |
| Net loans and leases to total assets | 63.9367% | 3,410 |
| Net loans and leases to deposits | 77.6023% | 3,229 |
| Net loans and leases to core deposits | 87.7813% | 2,781 |
| Total domestic deposits to total assets | 82.3902% | 3,813 |
| Equity capital to assets | 9.1342% | 5,040 |
| Core capital (leverage) ratio | 9.2218% | 4,556 |
| Tier 1 risk-based capital ratio | 12.1226% | 4,713 |
| Total risk-based capital ratio | 14.5094% | 3,912 |
| Memoranda: | ||
| Average total assets | $603,932,750 | 1,161 |
| Average earning assets | $558,180,750 | 1,158 |
| Average equity | $54,926,750 | 1,406 |
| Average total loans | $391,373,000 | 1,219 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 3,179 |
| Cost of funding earning assets | 0.5105% | 2,023 |
| Net interest margin | 3.5081% | 3,463 |
| Noninterest income to average assets | 0.7231% | 2,035 |
| Noninterest expense to average assets | 2.9788% | 2,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7690% | 3,454 |
| Return on assets (ROA) | 0.8666% | 3,137 |
| Pretax return on assets | 1.1118% | 3,153 |
| Return on Equity (ROE) | 9.5424% | 2,255 |
| Retained earnings to average equity (ytd only) | 6.9703% | 1,618 |
| Net charge-offs to loans | 0.1719% | 1,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.8533% | 2,479 |
| Efficiency ratio | 75.1178% | 2,206 |
| Assets per employee ($millions) | 3.6743% | 4,485 |
| Cash dividends to net income (ytd only)* | 26.9542% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 3,086 |
| Loan loss allowance to noncurrent loans | 199.0987% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 3,433 |
| Noncurrent loans to loans | 0.6266% | 3,197 |
| Net loans and leases to total assets | 63.8377% | 3,385 |
| Net loans and leases to deposits | 78.6486% | 3,092 |
| Net loans and leases to core deposits | 89.5751% | 2,577 |
| Total domestic deposits to total assets | 81.1682% | 4,224 |
| Equity capital to assets | 9.3151% | 4,960 |
| Core capital (leverage) ratio | 9.1856% | 4,617 |
| Tier 1 risk-based capital ratio | 11.9467% | 4,863 |
| Total risk-based capital ratio | 14.3245% | 4,076 |
| Memoranda: | ||
| Average total assets | $599,369,670 | 1,175 |
| Average earning assets | $553,978,670 | 1,171 |
| Average equity | $54,430,670 | 1,423 |
| Average total loans | $388,563,330 | 1,227 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9077% | 3,563 |
| Cost of funding earning assets | 0.5022% | 2,087 |
| Net interest margin | 3.4055% | 3,853 |
| Noninterest income to average assets | 0.6919% | 2,077 |
| Noninterest expense to average assets | 2.9677% | 2,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6741% | 3,854 |
| Return on assets (ROA) | 0.8585% | 3,070 |
| Pretax return on assets | 1.1081% | 3,065 |
| Return on Equity (ROE) | 9.5781% | 2,167 |
| Retained earnings to average equity (ytd only) | 6.9652% | 1,903 |
| Net charge-offs to loans | 0.0144% | 2,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 92.7143% | 565 |
| Efficiency ratio | 77.3591% | 1,985 |
| Assets per employee ($millions) | 3.7146% | 4,444 |
| Cash dividends to net income (ytd only)* | 27.2798% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 2,557 |
| Loan loss allowance to noncurrent loans | 104.6676% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9770% | 2,266 |
| Noncurrent loans to loans | 1.3097% | 1,830 |
| Net loans and leases to total assets | 63.4999% | 3,320 |
| Net loans and leases to deposits | 77.2369% | 3,082 |
| Net loans and leases to core deposits | 87.8637% | 2,578 |
| Total domestic deposits to total assets | 82.2145% | 4,148 |
| Equity capital to assets | 9.2540% | 4,937 |
| Core capital (leverage) ratio | 9.1684% | 4,634 |
| Tier 1 risk-based capital ratio | 12.0572% | 4,881 |
| Total risk-based capital ratio | 14.5712% | 4,010 |
| Memoranda: | ||
| Average total assets | $597,763,000 | 1,183 |
| Average earning assets | $551,935,000 | 1,175 |
| Average equity | $53,580,500 | 1,438 |
| Average total loans | $388,077,500 | 1,223 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 3,338 |
| Cost of funding earning assets | 0.4936% | 2,214 |
| Net interest margin | 3.4987% | 3,526 |
| Noninterest income to average assets | 0.6598% | 2,409 |
| Noninterest expense to average assets | 2.7730% | 3,341 |
| Loan and lease loss provision to assets | 0.0796% | 2,691 |
| Net operating income to assets | 0.8101% | 3,301 |
| Return on assets (ROA) | 0.8204% | 3,326 |
| Pretax return on assets | 1.0569% | 3,236 |
| Return on Equity (ROE) | 8.8984% | 2,501 |
| Retained earnings to average equity (ytd only) | 2.6170% | 4,210 |
| Net charge-offs to loans | 0.1266% | 2,112 |
| Credit loss provision to net charge-offs | 98.2721% | 2,590 |
| Earnings coverage of net charge-offs (x) | 13.8683% | 2,341 |
| Efficiency ratio | 71.1688% | 3,040 |
| Assets per employee ($millions) | 3.8765% | 4,162 |
| Cash dividends to net income (ytd only)* | 70.5907% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 2,876 |
| Loan loss allowance to noncurrent loans | 106.3037% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.9407% | 2,318 |
| Noncurrent loans to loans | 1.2268% | 1,922 |
| Net loans and leases to total assets | 64.5881% | 3,185 |
| Net loans and leases to deposits | 79.1687% | 2,923 |
| Net loans and leases to core deposits | 89.7114% | 2,428 |
| Total domestic deposits to total assets | 81.5829% | 4,309 |
| Equity capital to assets | 8.6833% | 5,399 |
| Core capital (leverage) ratio | 9.1673% | 4,668 |
| Tier 1 risk-based capital ratio | 12.0120% | 4,942 |
| Total risk-based capital ratio | 14.5637% | 4,044 |
| Memoranda: | ||
| Average total assets | $571,576,800 | 1,196 |
| Average earning assets | $528,766,600 | 1,191 |
| Average equity | $52,694,800 | 1,412 |
| Average total loans | $365,603,200 | 1,247 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0263% | 3,231 |
| Cost of funding earning assets | 0.4945% | 2,273 |
| Net interest margin | 3.5319% | 3,423 |
| Noninterest income to average assets | 0.6909% | 2,277 |
| Noninterest expense to average assets | 2.7941% | 3,215 |
| Loan and lease loss provision to assets | 0.0925% | 2,322 |
| Net operating income to assets | 0.8371% | 3,235 |
| Return on assets (ROA) | 0.8365% | 3,323 |
| Pretax return on assets | 1.0724% | 3,324 |
| Return on Equity (ROE) | 8.9331% | 2,612 |
| Retained earnings to average equity (ytd only) | 3.5905% | 3,913 |
| Net charge-offs to loans | 0.1552% | 1,589 |
| Credit loss provision to net charge-offs | 93.7500% | 2,414 |
| Earnings coverage of net charge-offs (x) | 11.8174% | 2,458 |
| Efficiency ratio | 70.5629% | 3,120 |
| Assets per employee ($millions) | 3.7516% | 4,356 |
| Cash dividends to net income (ytd only)* | 59.8072% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 2,473 |
| Loan loss allowance to noncurrent loans | 105.4605% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.0129% | 2,335 |
| Noncurrent loans to loans | 1.3522% | 1,891 |
| Net loans and leases to total assets | 63.1566% | 3,429 |
| Net loans and leases to deposits | 78.6722% | 3,022 |
| Net loans and leases to core deposits | 89.3097% | 2,527 |
| Total domestic deposits to total assets | 80.2781% | 4,679 |
| Equity capital to assets | 9.4182% | 4,862 |
| Core capital (leverage) ratio | 9.3872% | 4,458 |
| Tier 1 risk-based capital ratio | 12.2322% | 4,935 |
| Total risk-based capital ratio | 14.8249% | 4,021 |
| Memoranda: | ||
| Average total assets | $562,317,250 | 1,221 |
| Average earning assets | $520,428,000 | 1,219 |
| Average equity | $52,656,500 | 1,424 |
| Average total loans | $357,432,250 | 1,274 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0082% | 3,258 |
| Cost of funding earning assets | 0.4927% | 2,320 |
| Net interest margin | 3.5156% | 3,436 |
| Noninterest income to average assets | 0.6703% | 2,354 |
| Noninterest expense to average assets | 2.8075% | 3,204 |
| Loan and lease loss provision to assets | 0.1034% | 2,102 |
| Net operating income to assets | 0.8058% | 3,354 |
| Return on assets (ROA) | 0.8058% | 3,455 |
| Pretax return on assets | 1.0187% | 3,506 |
| Return on Equity (ROE) | 8.6220% | 2,738 |
| Retained earnings to average equity (ytd only) | 1.9838% | 4,707 |
| Net charge-offs to loans | 0.0214% | 3,240 |
| Credit loss provision to net charge-offs | 763.1579% | 447 |
| Earnings coverage of net charge-offs (x) | 82.8158% | 690 |
| Efficiency ratio | 71.4454% | 3,084 |
| Assets per employee ($millions) | 3.7177% | 4,386 |
| Cash dividends to net income (ytd only)* | 76.9912% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 2,239 |
| Loan loss allowance to noncurrent loans | 103.2955% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.0827% | 2,348 |
| Noncurrent loans to loans | 1.4640% | 1,811 |
| Net loans and leases to total assets | 62.8557% | 3,430 |
| Net loans and leases to deposits | 79.2238% | 2,879 |
| Net loans and leases to core deposits | 90.1061% | 2,337 |
| Total domestic deposits to total assets | 79.3393% | 5,015 |
| Equity capital to assets | 9.1734% | 5,054 |
| Core capital (leverage) ratio | 9.2337% | 4,642 |
| Tier 1 risk-based capital ratio | 11.9809% | 5,171 |
| Total risk-based capital ratio | 14.6330% | 4,216 |
| Memoranda: | ||
| Average total assets | $560,924,000 | 1,228 |
| Average earning assets | $520,031,330 | 1,225 |
| Average equity | $52,424,000 | 1,438 |
| Average total loans | $355,591,000 | 1,280 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0172% | 3,172 |
| Cost of funding earning assets | 0.4998% | 2,277 |
| Net interest margin | 3.5174% | 3,356 |
| Noninterest income to average assets | 0.7437% | 1,942 |
| Noninterest expense to average assets | 2.7843% | 3,303 |
| Loan and lease loss provision to assets | 0.1145% | 1,802 |
| Net operating income to assets | 0.8689% | 2,910 |
| Return on assets (ROA) | 0.8689% | 3,028 |
| Pretax return on assets | 1.1137% | 3,024 |
| Return on Equity (ROE) | 9.2114% | 2,357 |
| Retained earnings to average equity (ytd only) | 6.4040% | 2,285 |
| Net charge-offs to loans | -0.0034% | 4,420 |
| Credit loss provision to net charge-offs | -5,333.3333% | 5,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3899% | 3,601 |
| Assets per employee ($millions) | 3.7073% | 4,503 |
| Cash dividends to net income (ytd only)* | 30.4778% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5537% | 2,221 |
| Loan loss allowance to noncurrent loans | 94.6542% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.1635% | 2,305 |
| Noncurrent loans to loans | 1.6414% | 1,698 |
| Net loans and leases to total assets | 61.5402% | 3,442 |
| Net loans and leases to deposits | 77.3234% | 2,905 |
| Net loans and leases to core deposits | 88.5211% | 2,273 |
| Total domestic deposits to total assets | 79.5881% | 5,146 |
| Equity capital to assets | 9.6583% | 4,569 |
| Core capital (leverage) ratio | 9.2809% | 4,610 |
| Tier 1 risk-based capital ratio | 12.4516% | 4,941 |
| Total risk-based capital ratio | 15.1488% | 4,012 |
| Memoranda: | ||
| Average total assets | $558,839,500 | 1,238 |
| Average earning assets | $519,360,500 | 1,228 |
| Average equity | $52,717,000 | 1,438 |
| Average total loans | $353,063,000 | 1,284 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 3,330 |
| Cost of funding earning assets | 0.5726% | 2,022 |
| Net interest margin | 3.5270% | 3,694 |
| Noninterest income to average assets | 0.6397% | 2,620 |
| Noninterest expense to average assets | 2.7942% | 3,505 |
| Loan and lease loss provision to assets | 0.3013% | 682 |
| Net operating income to assets | 0.6527% | 4,126 |
| Return on assets (ROA) | 0.7392% | 3,789 |
| Pretax return on assets | 0.9226% | 3,812 |
| Return on Equity (ROE) | 8.0768% | 3,089 |
| Retained earnings to average equity (ytd only) | 6.0405% | 1,901 |
| Net charge-offs to loans | 0.0599% | 3,644 |
| Credit loss provision to net charge-offs | 819.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 30.3250% | 1,323 |
| Efficiency ratio | 71.4629% | 3,298 |
| Assets per employee ($millions) | 3.6947% | 4,538 |
| Cash dividends to net income (ytd only)* | 25.2115% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 2,732 |
| Loan loss allowance to noncurrent loans | 93.6117% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.1279% | 2,501 |
| Noncurrent loans to loans | 1.5401% | 1,906 |
| Net loans and leases to total assets | 62.9089% | 3,377 |
| Net loans and leases to deposits | 77.8369% | 2,990 |
| Net loans and leases to core deposits | 87.1247% | 2,602 |
| Total domestic deposits to total assets | 80.8214% | 4,786 |
| Equity capital to assets | 9.2134% | 5,053 |
| Core capital (leverage) ratio | 9.1693% | 4,719 |
| Tier 1 risk-based capital ratio | 12.5593% | 5,001 |
| Total risk-based capital ratio | 15.3116% | 3,968 |
| Memoranda: | ||
| Average total assets | $543,554,400 | 1,231 |
| Average earning assets | $503,991,000 | 1,220 |
| Average equity | $49,747,400 | 1,450 |
| Average total loans | $333,772,400 | 1,308 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1313% | 3,247 |
| Cost of funding earning assets | 0.5878% | 1,948 |
| Net interest margin | 3.5435% | 3,655 |
| Noninterest income to average assets | 0.6415% | 2,619 |
| Noninterest expense to average assets | 2.7661% | 3,584 |
| Loan and lease loss provision to assets | 0.1209% | 2,061 |
| Net operating income to assets | 0.8095% | 3,386 |
| Return on assets (ROA) | 0.8476% | 3,282 |
| Pretax return on assets | 1.0847% | 3,247 |
| Return on Equity (ROE) | 9.2776% | 2,551 |
| Retained earnings to average equity (ytd only) | 7.4118% | 1,612 |
| Net charge-offs to loans | 0.0709% | 3,185 |
| Credit loss provision to net charge-offs | 280.4598% | 959 |
| Earnings coverage of net charge-offs (x) | 26.8338% | 1,473 |
| Efficiency ratio | 70.5110% | 3,415 |
| Assets per employee ($millions) | 3.5437% | 4,778 |
| Cash dividends to net income (ytd only)* | 20.1111% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 4,065 |
| Loan loss allowance to noncurrent loans | 116.6476% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.7845% | 3,467 |
| Noncurrent loans to loans | 1.0557% | 2,962 |
| Net loans and leases to total assets | 59.9313% | 3,800 |
| Net loans and leases to deposits | 75.9950% | 3,181 |
| Net loans and leases to core deposits | 85.6580% | 2,698 |
| Total domestic deposits to total assets | 78.8622% | 5,356 |
| Equity capital to assets | 9.4404% | 4,873 |
| Core capital (leverage) ratio | 9.3402% | 4,585 |
| Tier 1 risk-based capital ratio | 12.6516% | 5,062 |
| Total risk-based capital ratio | 15.2221% | 4,175 |
| Memoranda: | ||
| Average total assets | $538,121,500 | 1,249 |
| Average earning assets | $498,325,000 | 1,244 |
| Average equity | $49,163,750 | 1,466 |
| Average total loans | $327,011,250 | 1,345 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 3,069 |
| Cost of funding earning assets | 0.5933% | 1,952 |
| Net interest margin | 3.5769% | 3,457 |
| Noninterest income to average assets | 0.6625% | 2,472 |
| Noninterest expense to average assets | 2.7611% | 3,658 |
| Loan and lease loss provision to assets | 0.1120% | 2,158 |
| Net operating income to assets | 0.8501% | 3,073 |
| Return on assets (ROA) | 0.9056% | 2,874 |
| Pretax return on assets | 1.1729% | 2,789 |
| Return on Equity (ROE) | 10.0251% | 2,141 |
| Retained earnings to average equity (ytd only) | 8.5244% | 1,135 |
| Net charge-offs to loans | -0.0430% | 5,808 |
| Credit loss provision to net charge-offs | -428.5714% | 5,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4794% | 3,744 |
| Assets per employee ($millions) | 3.4698% | 4,905 |
| Cash dividends to net income (ytd only)* | 14.9691% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 3,829 |
| Loan loss allowance to noncurrent loans | 115.5071% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 3,775 |
| Noncurrent loans to loans | 1.1304% | 2,963 |
| Net loans and leases to total assets | 58.8620% | 3,883 |
| Net loans and leases to deposits | 73.5085% | 3,387 |
| Net loans and leases to core deposits | 82.6575% | 2,899 |
| Total domestic deposits to total assets | 80.0751% | 5,217 |
| Equity capital to assets | 9.5567% | 4,680 |
| Core capital (leverage) ratio | 9.2645% | 4,645 |
| Tier 1 risk-based capital ratio | 12.7011% | 5,086 |
| Total risk-based capital ratio | 15.3332% | 4,133 |
| Memoranda: | ||
| Average total assets | $535,586,000 | 1,252 |
| Average earning assets | $495,852,000 | 1,246 |
| Average equity | $48,378,670 | 1,477 |
| Average total loans | $325,635,000 | 1,337 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1864% | 2,925 |
| Cost of funding earning assets | 0.5971% | 1,995 |
| Net interest margin | 3.5893% | 3,298 |
| Noninterest income to average assets | 0.6268% | 2,584 |
| Noninterest expense to average assets | 2.6724% | 4,028 |
| Loan and lease loss provision to assets | 0.1115% | 2,084 |
| Net operating income to assets | 0.8821% | 2,731 |
| Return on assets (ROA) | 0.9912% | 2,298 |
| Pretax return on assets | 1.3117% | 2,058 |
| Return on Equity (ROE) | 11.2965% | 1,605 |
| Retained earnings to average equity (ytd only) | 10.1440% | 928 |
| Net charge-offs to loans | -0.1660% | 6,327 |
| Credit loss provision to net charge-offs | -109.4891% | 4,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6199% | 4,244 |
| Assets per employee ($millions) | 3.4598% | 5,007 |
| Cash dividends to net income (ytd only)* | 10.2026% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 4,150 |
| Loan loss allowance to noncurrent loans | 218.2651% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 4,901 |
| Noncurrent loans to loans | 0.5934% | 4,383 |
| Net loans and leases to total assets | 59.0973% | 3,685 |
| Net loans and leases to deposits | 73.9419% | 3,067 |
| Net loans and leases to core deposits | 81.4831% | 2,794 |
| Total domestic deposits to total assets | 79.9240% | 5,501 |
| Equity capital to assets | 9.3004% | 4,760 |
| Core capital (leverage) ratio | 8.9575% | 5,076 |
| Tier 1 risk-based capital ratio | 12.7540% | 5,161 |
| Total risk-based capital ratio | 15.4374% | 4,149 |
| Memoranda: | ||
| Average total assets | $537,937,000 | 1,256 |
| Average earning assets | $498,375,000 | 1,245 |
| Average equity | $47,200,500 | 1,511 |
| Average total loans | $330,141,000 | 1,328 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9667% | 4,211 |
| Cost of funding earning assets | 0.6738% | 2,010 |
| Net interest margin | 3.2929% | 4,692 |
| Noninterest income to average assets | 0.7690% | 2,224 |
| Noninterest expense to average assets | 3.0360% | 2,944 |
| Loan and lease loss provision to assets | 0.1185% | 2,833 |
| Net operating income to assets | 0.5919% | 4,304 |
| Return on assets (ROA) | 0.3564% | 5,427 |
| Pretax return on assets | 0.3914% | 5,514 |
| Return on Equity (ROE) | 4.2762% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.0863% | 4,037 |
| Net charge-offs to loans | 0.2167% | 2,726 |
| Credit loss provision to net charge-offs | 91.4205% | 2,717 |
| Earnings coverage of net charge-offs (x) | 5.9297% | 3,169 |
| Efficiency ratio | 79.7968% | 2,178 |
| Assets per employee ($millions) | 3.6411% | 4,594 |
| Cash dividends to net income (ytd only)* | 27.8261% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 5,230 |
| Loan loss allowance to noncurrent loans | 193.4224% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5749% | 4,506 |
| Noncurrent loans to loans | 0.5600% | 4,588 |
| Net loans and leases to total assets | 62.1066% | 3,341 |
| Net loans and leases to deposits | 76.5726% | 2,905 |
| Net loans and leases to core deposits | 84.2061% | 2,656 |
| Total domestic deposits to total assets | 81.1081% | 5,137 |
| Equity capital to assets | 8.2778% | 5,795 |
| Core capital (leverage) ratio | 8.7955% | 5,287 |
| Tier 1 risk-based capital ratio | 11.2867% | 6,031 |
| Total risk-based capital ratio | 13.6805% | 5,276 |
| Memoranda: | ||
| Average total assets | $548,493,200 | 1,209 |
| Average earning assets | $505,640,000 | 1,204 |
| Average equity | $45,718,400 | 1,533 |
| Average total loans | $328,170,800 | 1,299 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 4,312 |
| Cost of funding earning assets | 0.6920% | 2,005 |
| Net interest margin | 3.2588% | 4,797 |
| Noninterest income to average assets | 0.8262% | 2,028 |
| Noninterest expense to average assets | 3.1007% | 2,646 |
| Loan and lease loss provision to assets | 0.1218% | 2,772 |
| Net operating income to assets | 0.4768% | 4,903 |
| Return on assets (ROA) | 0.5803% | 4,558 |
| Pretax return on assets | 0.7348% | 4,556 |
| Return on Equity (ROE) | 6.9503% | 3,678 |
| Retained earnings to average equity (ytd only) | 5.7598% | 2,561 |
| Net charge-offs to loans | 0.1575% | 2,977 |
| Credit loss provision to net charge-offs | 130.8901% | 1,806 |
| Earnings coverage of net charge-offs (x) | 7.7958% | 2,728 |
| Efficiency ratio | 81.0379% | 1,965 |
| Assets per employee ($millions) | 3.1362% | 5,612 |
| Cash dividends to net income (ytd only)* | 17.1286% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 4,748 |
| Loan loss allowance to noncurrent loans | 173.2425% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 4,564 |
| Noncurrent loans to loans | 0.7093% | 4,437 |
| Net loans and leases to total assets | 59.4428% | 3,788 |
| Net loans and leases to deposits | 74.0895% | 3,221 |
| Net loans and leases to core deposits | 80.9807% | 3,008 |
| Total domestic deposits to total assets | 80.2311% | 5,451 |
| Equity capital to assets | 8.5131% | 5,724 |
| Core capital (leverage) ratio | 9.0557% | 5,040 |
| Tier 1 risk-based capital ratio | 11.6382% | 5,990 |
| Total risk-based capital ratio | 14.0587% | 5,191 |
| Memoranda: | ||
| Average total assets | $547,255,500 | 1,226 |
| Average earning assets | $503,816,500 | 1,220 |
| Average equity | $45,694,750 | 1,544 |
| Average total loans | $323,341,250 | 1,319 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9218% | 4,394 |
| Cost of funding earning assets | 0.6958% | 2,091 |
| Net interest margin | 3.2260% | 4,853 |
| Noninterest income to average assets | 0.9124% | 1,776 |
| Noninterest expense to average assets | 3.0028% | 2,993 |
| Loan and lease loss provision to assets | 0.1268% | 2,735 |
| Net operating income to assets | 0.5877% | 4,359 |
| Return on assets (ROA) | 0.6301% | 4,310 |
| Pretax return on assets | 0.8131% | 4,261 |
| Return on Equity (ROE) | 7.5944% | 3,292 |
| Retained earnings to average equity (ytd only) | 6.4065% | 2,198 |
| Net charge-offs to loans | 0.0185% | 4,473 |
| Credit loss provision to net charge-offs | 1,166.6667% | 265 |
| Earnings coverage of net charge-offs (x) | 81.4000% | 556 |
| Efficiency ratio | 77.2393% | 2,585 |
| Assets per employee ($millions) | 3.2774% | 5,321 |
| Cash dividends to net income (ytd only)* | 15.6412% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,457 |
| Loan loss allowance to noncurrent loans | 152.6703% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 4,440 |
| Noncurrent loans to loans | 0.8582% | 4,208 |
| Net loans and leases to total assets | 58.4459% | 3,917 |
| Net loans and leases to deposits | 72.4255% | 3,393 |
| Net loans and leases to core deposits | 79.7770% | 3,050 |
| Total domestic deposits to total assets | 80.6979% | 5,423 |
| Equity capital to assets | 8.4429% | 5,823 |
| Core capital (leverage) ratio | 8.9415% | 5,087 |
| Tier 1 risk-based capital ratio | 11.8394% | 5,890 |
| Total risk-based capital ratio | 14.3479% | 5,020 |
| Memoranda: | ||
| Average total assets | $551,955,330 | 1,216 |
| Average earning assets | $509,045,670 | 1,207 |
| Average equity | $45,797,000 | 1,547 |
| Average total loans | $324,166,330 | 1,307 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9025% | 4,462 |
| Cost of funding earning assets | 0.7048% | 2,165 |
| Net interest margin | 3.1976% | 4,943 |
| Noninterest income to average assets | 0.9129% | 1,717 |
| Noninterest expense to average assets | 2.9214% | 3,262 |
| Loan and lease loss provision to assets | 0.1426% | 2,459 |
| Net operating income to assets | 0.6120% | 4,159 |
| Return on assets (ROA) | 0.6120% | 4,319 |
| Pretax return on assets | 0.7967% | 4,181 |
| Return on Equity (ROE) | 7.4376% | 3,246 |
| Retained earnings to average equity (ytd only) | 6.2587% | 2,536 |
| Net charge-offs to loans | 0.1634% | 2,424 |
| Credit loss provision to net charge-offs | 149.2537% | 1,376 |
| Earnings coverage of net charge-offs (x) | 9.8284% | 1,802 |
| Efficiency ratio | 75.6697% | 2,978 |
| Assets per employee ($millions) | 3.2126% | 5,601 |
| Cash dividends to net income (ytd only)* | 15.8508% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 5,004 |
| Loan loss allowance to noncurrent loans | 140.2668% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.7075% | 4,606 |
| Noncurrent loans to loans | 0.8832% | 4,370 |
| Net loans and leases to total assets | 57.1344% | 3,897 |
| Net loans and leases to deposits | 70.3001% | 3,429 |
| Net loans and leases to core deposits | 77.7122% | 3,115 |
| Total domestic deposits to total assets | 81.2722% | 5,426 |
| Equity capital to assets | 8.6024% | 5,915 |
| Core capital (leverage) ratio | 8.5085% | 5,579 |
| Tier 1 risk-based capital ratio | 11.9028% | 5,975 |
| Total risk-based capital ratio | 14.4139% | 5,048 |
| Memoranda: | ||
| Average total assets | $560,827,000 | 1,206 |
| Average earning assets | $517,006,500 | 1,205 |
| Average equity | $46,144,000 | 1,552 |
| Average total loans | $328,064,500 | 1,294 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2774% | 4,287 |
| Cost of funding earning assets | 0.8296% | 2,426 |
| Net interest margin | 3.4479% | 4,709 |
| Noninterest income to average assets | 0.8169% | 2,190 |
| Noninterest expense to average assets | 2.8362% | 3,888 |
| Loan and lease loss provision to assets | 0.5654% | 1,003 |
| Net operating income to assets | 0.5926% | 4,273 |
| Return on assets (ROA) | 0.5662% | 4,657 |
| Pretax return on assets | 0.5600% | 5,105 |
| Return on Equity (ROE) | 6.8129% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.5065% | 1,815 |
| Net charge-offs to loans | 0.7389% | 1,592 |
| Credit loss provision to net charge-offs | 134.0435% | 2,088 |
| Earnings coverage of net charge-offs (x) | 2.7306% | 4,063 |
| Efficiency ratio | 71.1174% | 3,604 |
| Assets per employee ($millions) | 3.3844% | 5,246 |
| Cash dividends to net income (ytd only)* | 4.4974% | 4,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 5,477 |
| Loan loss allowance to noncurrent loans | 128.5714% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 4,833 |
| Noncurrent loans to loans | 0.8698% | 4,442 |
| Net loans and leases to total assets | 58.4412% | 3,888 |
| Net loans and leases to deposits | 70.8804% | 3,579 |
| Net loans and leases to core deposits | 78.1497% | 3,237 |
| Total domestic deposits to total assets | 82.4504% | 4,946 |
| Equity capital to assets | 7.8765% | 6,467 |
| Core capital (leverage) ratio | 8.1391% | 6,053 |
| Tier 1 risk-based capital ratio | 11.1217% | 6,308 |
| Total risk-based capital ratio | 13.5511% | 5,552 |
| Memoranda: | ||
| Average total assets | $534,103,200 | 1,248 |
| Average earning assets | $491,229,800 | 1,239 |
| Average equity | $44,386,400 | 1,570 |
| Average total loans | $304,914,800 | 1,375 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3351% | 4,312 |
| Cost of funding earning assets | 0.8595% | 2,465 |
| Net interest margin | 3.4756% | 4,729 |
| Noninterest income to average assets | 0.8824% | 1,900 |
| Noninterest expense to average assets | 2.8476% | 3,807 |
| Loan and lease loss provision to assets | 0.2295% | 2,762 |
| Net operating income to assets | 0.9060% | 2,959 |
| Return on assets (ROA) | 0.8796% | 3,324 |
| Pretax return on assets | 0.9783% | 3,795 |
| Return on Equity (ROE) | 10.4336% | 2,161 |
| Retained earnings to average equity (ytd only) | 10.4336% | 803 |
| Net charge-offs to loans | 0.1538% | 3,885 |
| Credit loss provision to net charge-offs | 263.9296% | 1,046 |
| Earnings coverage of net charge-offs (x) | 14.2286% | 1,851 |
| Efficiency ratio | 69.7147% | 3,748 |
| Assets per employee ($millions) | 3.4013% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 5,431 |
| Loan loss allowance to noncurrent loans | 96.1201% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 4,526 |
| Noncurrent loans to loans | 1.2170% | 4,019 |
| Net loans and leases to total assets | 55.4571% | 4,531 |
| Net loans and leases to deposits | 69.5843% | 3,953 |
| Net loans and leases to core deposits | 77.2400% | 3,579 |
| Total domestic deposits to total assets | 79.6978% | 5,730 |
| Equity capital to assets | 8.4704% | 6,294 |
| Core capital (leverage) ratio | 8.9061% | 5,189 |
| Tier 1 risk-based capital ratio | 11.6920% | 6,121 |
| Total risk-based capital ratio | 14.1236% | 5,316 |
| Memoranda: | ||
| Average total assets | $522,948,000 | 1,291 |
| Average earning assets | $481,825,000 | 1,282 |
| Average equity | $44,087,250 | 1,597 |
| Average total loans | $295,634,000 | 1,434 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4474% | 3,989 |
| Cost of funding earning assets | 0.8840% | 2,529 |
| Net interest margin | 3.5634% | 4,405 |
| Noninterest income to average assets | 0.7021% | 2,659 |
| Noninterest expense to average assets | 2.8770% | 3,717 |
| Loan and lease loss provision to assets | 0.2336% | 2,736 |
| Net operating income to assets | 0.8980% | 2,918 |
| Return on assets (ROA) | 0.8435% | 3,443 |
| Pretax return on assets | 0.8224% | 4,394 |
| Return on Equity (ROE) | 10.0219% | 2,338 |
| Retained earnings to average equity (ytd only) | 10.0219% | 967 |
| Net charge-offs to loans | 0.2198% | 3,250 |
| Credit loss provision to net charge-offs | 187.5000% | 1,508 |
| Earnings coverage of net charge-offs (x) | 8.9125% | 2,229 |
| Efficiency ratio | 72.1484% | 3,411 |
| Assets per employee ($millions) | 3.2864% | 5,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 5,721 |
| Loan loss allowance to noncurrent loans | 64.4650% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 3,788 |
| Noncurrent loans to loans | 1.7310% | 3,305 |
| Net loans and leases to total assets | 56.9670% | 4,335 |
| Net loans and leases to deposits | 71.3394% | 3,714 |
| Net loans and leases to core deposits | 79.8319% | 3,242 |
| Total domestic deposits to total assets | 79.8534% | 5,776 |
| Equity capital to assets | 8.5198% | 6,194 |
| Core capital (leverage) ratio | 8.7845% | 5,239 |
| Tier 1 risk-based capital ratio | 11.1580% | 6,428 |
| Total risk-based capital ratio | 13.5047% | 5,728 |
| Memoranda: | ||
| Average total assets | $513,593,000 | 1,318 |
| Average earning assets | $473,536,000 | 1,308 |
| Average equity | $43,225,330 | 1,616 |
| Average total loans | $291,114,330 | 1,457 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5099% | 3,872 |
| Cost of funding earning assets | 0.9055% | 2,644 |
| Net interest margin | 3.6043% | 4,253 |
| Noninterest income to average assets | 0.6508% | 2,924 |
| Noninterest expense to average assets | 2.9892% | 3,291 |
| Loan and lease loss provision to assets | 0.2114% | 2,836 |
| Net operating income to assets | 1.0408% | 2,323 |
| Return on assets (ROA) | 0.9124% | 3,078 |
| Pretax return on assets | 0.6414% | 4,970 |
| Return on Equity (ROE) | 10.9086% | 2,055 |
| Retained earnings to average equity (ytd only) | 10.9086% | 1,054 |
| Net charge-offs to loans | 0.2633% | 2,614 |
| Credit loss provision to net charge-offs | 142.8571% | 1,723 |
| Earnings coverage of net charge-offs (x) | 6.6296% | 2,175 |
| Efficiency ratio | 75.2860% | 2,895 |
| Assets per employee ($millions) | 3.1965% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 5,891 |
| Loan loss allowance to noncurrent loans | 121.6195% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 4,763 |
| Noncurrent loans to loans | 0.9083% | 4,851 |
| Net loans and leases to total assets | 55.6424% | 4,448 |
| Net loans and leases to deposits | 68.6251% | 3,938 |
| Net loans and leases to core deposits | 76.5844% | 3,543 |
| Total domestic deposits to total assets | 81.0817% | 5,582 |
| Equity capital to assets | 8.6471% | 5,934 |
| Core capital (leverage) ratio | 8.6741% | 5,343 |
| Tier 1 risk-based capital ratio | 11.3316% | 6,371 |
| Total risk-based capital ratio | 13.7038% | 5,608 |
| Memoranda: | ||
| Average total assets | $510,764,500 | 1,330 |
| Average earning assets | $470,435,000 | 1,323 |
| Average equity | $42,718,500 | 1,627 |
| Average total loans | $287,102,000 | 1,480 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6316% | 4,541 |
| Cost of funding earning assets | 1.0390% | 3,102 |
| Net interest margin | 3.5926% | 4,763 |
| Noninterest income to average assets | 0.5583% | 3,447 |
| Noninterest expense to average assets | 2.6485% | 4,927 |
| Loan and lease loss provision to assets | 0.2416% | 3,792 |
| Net operating income to assets | 0.7460% | 3,274 |
| Return on assets (ROA) | 0.8439% | 3,009 |
| Pretax return on assets | 1.1020% | 2,826 |
| Return on Equity (ROE) | 10.4306% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.4306% | 485 |
| Net charge-offs to loans | 0.2392% | 4,281 |
| Credit loss provision to net charge-offs | 187.1674% | 1,378 |
| Earnings coverage of net charge-offs (x) | 9.4257% | 1,987 |
| Efficiency ratio | 68.5253% | 4,250 |
| Assets per employee ($millions) | 3.3321% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 5,982 |
| Loan loss allowance to noncurrent loans | 85.7543% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.0736% | 4,471 |
| Noncurrent loans to loans | 1.2295% | 4,313 |
| Net loans and leases to total assets | 55.5657% | 4,785 |
| Net loans and leases to deposits | 67.8073% | 4,468 |
| Net loans and leases to core deposits | 75.1746% | 4,080 |
| Total domestic deposits to total assets | 81.9464% | 5,144 |
| Equity capital to assets | 8.0865% | 6,517 |
| Core capital (leverage) ratio | 8.7150% | 5,228 |
| Tier 1 risk-based capital ratio | 11.2158% | 6,341 |
| Total risk-based capital ratio | 13.5937% | 5,554 |
| Memoranda: | ||
| Average total assets | $495,105,600 | 1,347 |
| Average earning assets | $455,712,800 | 1,340 |
| Average equity | $40,055,200 | 1,685 |
| Average total loans | $267,169,800 | 1,577 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 4,390 |
| Cost of funding earning assets | 1.0700% | 3,178 |
| Net interest margin | 3.6439% | 4,600 |
| Noninterest income to average assets | 0.5404% | 3,583 |
| Noninterest expense to average assets | 2.6461% | 4,920 |
| Loan and lease loss provision to assets | 0.2374% | 3,636 |
| Net operating income to assets | 0.7680% | 3,306 |
| Return on assets (ROA) | 0.8967% | 2,901 |
| Pretax return on assets | 1.1788% | 2,698 |
| Return on Equity (ROE) | 11.0829% | 1,842 |
| Retained earnings to average equity (ytd only) | 11.0829% | 620 |
| Net charge-offs to loans | 0.1606% | 4,494 |
| Credit loss provision to net charge-offs | 276.8254% | 1,035 |
| Earnings coverage of net charge-offs (x) | 14.5397% | 1,526 |
| Efficiency ratio | 67.9720% | 4,322 |
| Assets per employee ($millions) | 3.2108% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 5,641 |
| Loan loss allowance to noncurrent loans | 91.4474% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.1020% | 4,571 |
| Noncurrent loans to loans | 1.2680% | 4,414 |
| Net loans and leases to total assets | 52.7187% | 5,356 |
| Net loans and leases to deposits | 64.7370% | 5,085 |
| Net loans and leases to core deposits | 72.8047% | 4,609 |
| Total domestic deposits to total assets | 81.4352% | 5,278 |
| Equity capital to assets | 8.1418% | 6,609 |
| Core capital (leverage) ratio | 8.4899% | 5,724 |
| Tier 1 risk-based capital ratio | 11.0617% | 6,506 |
| Total risk-based capital ratio | 13.4820% | 5,707 |
| Memoranda: | ||
| Average total assets | $489,762,250 | 1,367 |
| Average earning assets | $450,598,750 | 1,359 |
| Average equity | $39,627,750 | 1,704 |
| Average total loans | $261,451,500 | 1,624 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7484% | 4,311 |
| Cost of funding earning assets | 1.0952% | 3,282 |
| Net interest margin | 3.6532% | 4,505 |
| Noninterest income to average assets | 0.5059% | 3,813 |
| Noninterest expense to average assets | 2.6547% | 4,988 |
| Loan and lease loss provision to assets | 0.2245% | 3,664 |
| Net operating income to assets | 0.7492% | 3,296 |
| Return on assets (ROA) | 0.9148% | 2,672 |
| Pretax return on assets | 1.2036% | 2,466 |
| Return on Equity (ROE) | 11.3299% | 1,688 |
| Retained earnings to average equity (ytd only) | 11.3299% | 616 |
| Net charge-offs to loans | 0.1504% | 4,290 |
| Credit loss provision to net charge-offs | 279.5918% | 1,090 |
| Earnings coverage of net charge-offs (x) | 15.0714% | 1,431 |
| Efficiency ratio | 68.6877% | 4,393 |
| Assets per employee ($millions) | 3.2304% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 5,951 |
| Loan loss allowance to noncurrent loans | 108.1501% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.3253% | 4,253 |
| Noncurrent loans to loans | 1.0189% | 4,954 |
| Net loans and leases to total assets | 53.1958% | 5,402 |
| Net loans and leases to deposits | 65.4231% | 5,085 |
| Net loans and leases to core deposits | 73.3313% | 4,662 |
| Total domestic deposits to total assets | 81.3104% | 5,419 |
| Equity capital to assets | 8.4502% | 6,236 |
| Core capital (leverage) ratio | 8.2830% | 5,898 |
| Tier 1 risk-based capital ratio | 10.7333% | 6,693 |
| Total risk-based capital ratio | 13.1078% | 5,868 |
| Memoranda: | ||
| Average total assets | $488,197,000 | 1,378 |
| Average earning assets | $448,863,670 | 1,365 |
| Average equity | $39,417,670 | 1,699 |
| Average total loans | $260,692,000 | 1,651 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 4,488 |
| Cost of funding earning assets | 1.1088% | 3,471 |
| Net interest margin | 3.5980% | 4,577 |
| Noninterest income to average assets | 0.5053% | 3,841 |
| Noninterest expense to average assets | 2.6736% | 4,945 |
| Loan and lease loss provision to assets | 0.1416% | 4,238 |
| Net operating income to assets | 0.7983% | 3,045 |
| Return on assets (ROA) | 0.7209% | 3,492 |
| Pretax return on assets | 0.9015% | 3,489 |
| Return on Equity (ROE) | 9.1365% | 2,416 |
| Retained earnings to average equity (ytd only) | 9.1365% | 1,341 |
| Net charge-offs to loans | 0.0520% | 4,416 |
| Credit loss provision to net charge-offs | 511.7647% | 703 |
| Earnings coverage of net charge-offs (x) | 41.2059% | 668 |
| Efficiency ratio | 70.1088% | 4,245 |
| Assets per employee ($millions) | 3.3078% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 6,301 |
| Loan loss allowance to noncurrent loans | 104.7185% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 1.4192% | 4,150 |
| Noncurrent loans to loans | 0.9785% | 5,090 |
| Net loans and leases to total assets | 52.4603% | 5,519 |
| Net loans and leases to deposits | 66.2967% | 4,931 |
| Net loans and leases to core deposits | 73.5607% | 4,580 |
| Total domestic deposits to total assets | 79.1296% | 6,161 |
| Equity capital to assets | 8.1877% | 6,293 |
| Core capital (leverage) ratio | 8.0122% | 6,243 |
| Tier 1 risk-based capital ratio | 10.4882% | 6,813 |
| Total risk-based capital ratio | 12.8294% | 6,029 |
| Memoranda: | ||
| Average total assets | $491,627,000 | 1,376 |
| Average earning assets | $452,025,000 | 1,372 |
| Average equity | $38,789,500 | 1,718 |
| Average total loans | $261,586,000 | 1,665 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 4,921 |
| Cost of funding earning assets | 1.4332% | 3,057 |
| Net interest margin | 3.4864% | 5,299 |
| Noninterest income to average assets | 0.5972% | 3,496 |
| Noninterest expense to average assets | 2.5030% | 5,784 |
| Loan and lease loss provision to assets | 0.1039% | 6,103 |
| Net operating income to assets | 0.9765% | 2,120 |
| Return on assets (ROA) | 0.6872% | 3,403 |
| Pretax return on assets | 0.8312% | 3,527 |
| Return on Equity (ROE) | 9.3887% | 2,148 |
| Retained earnings to average equity (ytd only) | 9.3887% | 623 |
| Net charge-offs to loans | 0.1805% | 5,236 |
| Credit loss provision to net charge-offs | 114.5125% | 3,790 |
| Earnings coverage of net charge-offs (x) | 14.1451% | 1,365 |
| Efficiency ratio | 65.9674% | 4,975 |
| Assets per employee ($millions) | 3.3581% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 6,602 |
| Loan loss allowance to noncurrent loans | 95.7871% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 1.4455% | 4,162 |
| Noncurrent loans to loans | 0.9836% | 5,089 |
| Net loans and leases to total assets | 52.9053% | 5,795 |
| Net loans and leases to deposits | 67.0555% | 5,246 |
| Net loans and leases to core deposits | 73.3273% | 5,061 |
| Total domestic deposits to total assets | 78.8978% | 6,106 |
| Equity capital to assets | 7.5988% | 6,818 |
| Core capital (leverage) ratio | 7.9129% | 6,303 |
| Tier 1 risk-based capital ratio | 10.4508% | 6,731 |
| Total risk-based capital ratio | 12.8039% | 5,865 |
| Memoranda: | ||
| Average total assets | $485,901,200 | 1,377 |
| Average earning assets | $444,532,400 | 1,374 |
| Average equity | $35,564,200 | 1,860 |
| Average total loans | $244,270,800 | 1,793 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9953% | 4,837 |
| Cost of funding earning assets | 1.4965% | 3,000 |
| Net interest margin | 3.4988% | 5,296 |
| Noninterest income to average assets | 0.5757% | 3,611 |
| Noninterest expense to average assets | 2.4879% | 5,754 |
| Loan and lease loss provision to assets | 0.0897% | 6,147 |
| Net operating income to assets | 1.0067% | 2,210 |
| Return on assets (ROA) | 0.6328% | 3,908 |
| Pretax return on assets | 0.7493% | 4,085 |
| Return on Equity (ROE) | 8.7316% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.7316% | 1,145 |
| Net charge-offs to loans | 0.1428% | 5,157 |
| Credit loss provision to net charge-offs | 126.9531% | 3,212 |
| Earnings coverage of net charge-offs (x) | 18.1760% | 1,280 |
| Efficiency ratio | 65.7814% | 4,908 |
| Assets per employee ($millions) | 3.2634% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 6,049 |
| Loan loss allowance to noncurrent loans | 114.8488% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 1.0829% | 4,947 |
| Noncurrent loans to loans | 0.9352% | 5,360 |
| Net loans and leases to total assets | 48.1133% | 6,512 |
| Net loans and leases to deposits | 61.1765% | 6,198 |
| Net loans and leases to core deposits | 66.8026% | 6,052 |
| Total domestic deposits to total assets | 78.6467% | 6,106 |
| Equity capital to assets | 7.6315% | 7,042 |
| Core capital (leverage) ratio | 7.5726% | 6,792 |
| Tier 1 risk-based capital ratio | 10.2009% | 6,958 |
| Total risk-based capital ratio | 12.5884% | 6,061 |
| Memoranda: | ||
| Average total assets | $483,126,250 | 1,406 |
| Average earning assets | $441,361,250 | 1,395 |
| Average equity | $35,013,750 | 1,912 |
| Average total loans | $238,978,250 | 1,853 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0510% | 4,700 |
| Cost of funding earning assets | 1.5311% | 3,065 |
| Net interest margin | 3.5199% | 5,165 |
| Noninterest income to average assets | 0.5819% | 3,468 |
| Noninterest expense to average assets | 2.3888% | 6,095 |
| Loan and lease loss provision to assets | 0.1218% | 5,681 |
| Net operating income to assets | 0.9996% | 2,206 |
| Return on assets (ROA) | 0.9371% | 2,501 |
| Pretax return on assets | 1.2051% | 2,400 |
| Return on Equity (ROE) | 13.1606% | 1,200 |
| Retained earnings to average equity (ytd only) | 13.1606% | 365 |
| Net charge-offs to loans | 0.1810% | 4,523 |
| Credit loss provision to net charge-offs | 135.3211% | 2,961 |
| Earnings coverage of net charge-offs (x) | 15.6284% | 1,446 |
| Efficiency ratio | 62.7353% | 5,566 |
| Assets per employee ($millions) | 3.2589% | 5,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 6,141 |
| Loan loss allowance to noncurrent loans | 184.7171% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.9317% | 5,265 |
| Noncurrent loans to loans | 0.5738% | 6,104 |
| Net loans and leases to total assets | 49.3272% | 6,512 |
| Net loans and leases to deposits | 63.2317% | 6,113 |
| Net loans and leases to core deposits | 67.7197% | 6,081 |
| Total domestic deposits to total assets | 78.0103% | 6,268 |
| Equity capital to assets | 7.5906% | 7,060 |
| Core capital (leverage) ratio | 8.0325% | 6,229 |
| Tier 1 risk-based capital ratio | 10.8873% | 6,363 |
| Total risk-based capital ratio | 13.2781% | 5,248 |
| Memoranda: | ||
| Average total assets | $484,260,330 | 1,419 |
| Average earning assets | $442,170,000 | 1,401 |
| Average equity | $34,481,670 | 1,938 |
| Average total loans | $240,865,330 | 1,869 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9811% | 5,106 |
| Cost of funding earning assets | 1.5811% | 3,073 |
| Net interest margin | 3.4000% | 5,582 |
| Noninterest income to average assets | 0.5544% | 3,616 |
| Noninterest expense to average assets | 2.2084% | 6,664 |
| Loan and lease loss provision to assets | 0.1433% | 5,116 |
| Net operating income to assets | 1.1090% | 1,803 |
| Return on assets (ROA) | 0.7304% | 3,410 |
| Pretax return on assets | 0.8582% | 3,632 |
| Return on Equity (ROE) | 10.5987% | 1,910 |
| Retained earnings to average equity (ytd only) | 10.5987% | 1,014 |
| Net charge-offs to loans | 0.2719% | 3,325 |
| Credit loss provision to net charge-offs | 106.0606% | 3,237 |
| Earnings coverage of net charge-offs (x) | 10.7091% | 1,719 |
| Efficiency ratio | 60.2151% | 6,126 |
| Assets per employee ($millions) | 3.2842% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 6,315 |
| Loan loss allowance to noncurrent loans | 247.6721% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.9563% | 5,240 |
| Noncurrent loans to loans | 0.4166% | 6,462 |
| Net loans and leases to total assets | 48.6119% | 6,612 |
| Net loans and leases to deposits | 62.4058% | 6,240 |
| Net loans and leases to core deposits | 68.7042% | 6,031 |
| Total domestic deposits to total assets | 77.8965% | 6,342 |
| Equity capital to assets | 7.1616% | 7,304 |
| Core capital (leverage) ratio | 7.7133% | 6,610 |
| Tier 1 risk-based capital ratio | 10.5708% | 6,567 |
| Total risk-based capital ratio | 12.9588% | 5,436 |
| Memoranda: | ||
| Average total assets | $488,492,500 | 1,436 |
| Average earning assets | $445,526,500 | 1,425 |
| Average equity | $33,664,500 | 2,002 |
| Average total loans | $242,692,500 | 1,905 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2173% | 5,573 |
| Cost of funding earning assets | 2.0424% | 2,761 |
| Net interest margin | 3.1749% | 6,174 |
| Noninterest income to average assets | 0.6378% | 3,368 |
| Noninterest expense to average assets | 2.7025% | 5,377 |
| Loan and lease loss provision to assets | 0.0865% | 6,748 |
| Net operating income to assets | 0.5671% | 3,457 |
| Return on assets (ROA) | -1.2417% | 6,735 |
| Pretax return on assets | -2.0658% | 6,965 |
| Return on Equity (ROE) | -19.4547% | 7,129 |
| Retained earnings to average equity (ytd only) | -19.4547% | 7,089 |
| Net charge-offs to loans | 0.1912% | 5,452 |
| Credit loss provision to net charge-offs | 92.8261% | 5,901 |
| Earnings coverage of net charge-offs (x) | 9.0870% | 1,847 |
| Efficiency ratio | 75.9235% | 3,543 |
| Assets per employee ($millions) | 3.2091% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 6,481 |
| Loan loss allowance to noncurrent loans | 198.1301% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8153% | 5,475 |
| Noncurrent loans to loans | 0.4955% | 6,261 |
| Net loans and leases to total assets | 49.7390% | 6,669 |
| Net loans and leases to deposits | 63.3044% | 6,339 |
| Net loans and leases to core deposits | 75.4992% | 6,435 |
| Total domestic deposits to total assets | 78.5711% | 6,103 |
| Equity capital to assets | 6.6277% | 7,526 |
| Core capital (leverage) ratio | 7.4228% | 6,861 |
| Tier 1 risk-based capital ratio | 10.1346% | 6,760 |
| Total risk-based capital ratio | 12.4743% | 5,644 |
| Memoranda: | ||
| Average total assets | $493,424,200 | 1,404 |
| Average earning assets | $452,552,200 | 1,394 |
| Average equity | $31,493,600 | 2,126 |
| Average total loans | $240,573,400 | 1,946 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3305% | 5,272 |
| Cost of funding earning assets | 2.1392% | 2,713 |
| Net interest margin | 3.1913% | 6,052 |
| Noninterest income to average assets | 0.6420% | 3,405 |
| Noninterest expense to average assets | 2.6991% | 5,334 |
| Loan and lease loss provision to assets | 0.0911% | 6,460 |
| Net operating income to assets | 0.5637% | 3,745 |
| Return on assets (ROA) | -1.8360% | 7,245 |
| Pretax return on assets | -2.9665% | 7,493 |
| Return on Equity (ROE) | -29.0449% | 7,587 |
| Retained earnings to average equity (ytd only) | -29.0449% | 7,577 |
| Net charge-offs to loans | 0.2335% | 4,594 |
| Credit loss provision to net charge-offs | 80.6220% | 5,745 |
| Earnings coverage of net charge-offs (x) | 7.7368% | 2,357 |
| Efficiency ratio | 75.3310% | 3,633 |
| Assets per employee ($millions) | 3.0576% | 6,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 6,225 |
| Loan loss allowance to noncurrent loans | 304.3312% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 6,616 |
| Noncurrent loans to loans | 0.3319% | 6,698 |
| Net loans and leases to total assets | 47.2718% | 7,013 |
| Net loans and leases to deposits | 61.4883% | 6,720 |
| Net loans and leases to core deposits | 73.0808% | 6,777 |
| Total domestic deposits to total assets | 76.8793% | 6,367 |
| Equity capital to assets | 6.6316% | 7,728 |
| Core capital (leverage) ratio | 7.1653% | 7,296 |
| Tier 1 risk-based capital ratio | 10.0317% | 6,944 |
| Total risk-based capital ratio | 12.3821% | 5,777 |
| Memoranda: | ||
| Average total assets | $493,229,750 | 1,413 |
| Average earning assets | $453,051,500 | 1,409 |
| Average equity | $31,178,500 | 2,173 |
| Average total loans | $238,654,750 | 1,989 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 4,822 |
| Cost of funding earning assets | 2.2208% | 2,699 |
| Net interest margin | 3.2435% | 5,761 |
| Noninterest income to average assets | 0.6530% | 3,319 |
| Noninterest expense to average assets | 2.7105% | 5,347 |
| Loan and lease loss provision to assets | 0.0877% | 6,293 |
| Net operating income to assets | 0.5815% | 3,765 |
| Return on assets (ROA) | -2.3674% | 7,524 |
| Pretax return on assets | -3.7756% | 7,713 |
| Return on Equity (ROE) | -38.0772% | 7,826 |
| Retained earnings to average equity (ytd only) | -38.0772% | 7,810 |
| Net charge-offs to loans | 0.1086% | 5,072 |
| Credit loss provision to net charge-offs | 166.1538% | 2,762 |
| Earnings coverage of net charge-offs (x) | 17.4231% | 1,481 |
| Efficiency ratio | 74.4631% | 3,959 |
| Assets per employee ($millions) | 3.1065% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 5,700 |
| Loan loss allowance to noncurrent loans | 334.5550% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 6,581 |
| Noncurrent loans to loans | 0.3242% | 6,697 |
| Net loans and leases to total assets | 46.8964% | 7,135 |
| Net loans and leases to deposits | 60.2180% | 6,873 |
| Net loans and leases to core deposits | 72.4740% | 6,872 |
| Total domestic deposits to total assets | 77.8777% | 6,110 |
| Equity capital to assets | 6.2286% | 7,888 |
| Core capital (leverage) ratio | 7.2928% | 7,252 |
| Tier 1 risk-based capital ratio | 10.0038% | 6,917 |
| Total risk-based capital ratio | 12.3292% | 5,717 |
| Memoranda: | ||
| Average total assets | $492,530,670 | 1,436 |
| Average earning assets | $452,099,330 | 1,426 |
| Average equity | $30,622,000 | 2,222 |
| Average total loans | $239,360,000 | 2,008 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7607% | 3,477 |
| Cost of funding earning assets | 2.3006% | 2,696 |
| Net interest margin | 3.4602% | 4,897 |
| Noninterest income to average assets | 0.6388% | 3,284 |
| Noninterest expense to average assets | 2.6279% | 5,333 |
| Loan and lease loss provision to assets | 0.1232% | 5,386 |
| Net operating income to assets | 0.7647% | 3,281 |
| Return on assets (ROA) | -1.1365% | 7,338 |
| Pretax return on assets | -1.9108% | 7,509 |
| Return on Equity (ROE) | -18.2967% | 7,718 |
| Retained earnings to average equity (ytd only) | -18.2967% | 7,598 |
| Net charge-offs to loans | 0.0597% | 4,631 |
| Credit loss provision to net charge-offs | 419.4444% | 1,258 |
| Earnings coverage of net charge-offs (x) | 40.2778% | 843 |
| Efficiency ratio | 68.7647% | 4,827 |
| Assets per employee ($millions) | 3.0266% | 6,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 5,521 |
| Loan loss allowance to noncurrent loans | 373.0159% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 6,385 |
| Noncurrent loans to loans | 0.2931% | 6,709 |
| Net loans and leases to total assets | 47.6888% | 7,050 |
| Net loans and leases to deposits | 61.0426% | 6,809 |
| Net loans and leases to core deposits | 74.2470% | 6,795 |
| Total domestic deposits to total assets | 78.1239% | 5,969 |
| Equity capital to assets | 5.9090% | 8,013 |
| Core capital (leverage) ratio | 8.2716% | 5,957 |
| Tier 1 risk-based capital ratio | 9.0135% | 7,787 |
| Total risk-based capital ratio | 10.8933% | 7,228 |
| Memoranda: | ||
| Average total assets | $490,273,500 | 1,450 |
| Average earning assets | $449,456,000 | 1,439 |
| Average equity | $30,453,500 | 2,236 |
| Average total loans | $241,214,000 | 2,015 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1081% | 4,998 |
| Cost of funding earning assets | 2.7097% | 3,117 |
| Net interest margin | 3.3984% | 5,673 |
| Noninterest income to average assets | 0.5878% | 3,942 |
| Noninterest expense to average assets | 2.5764% | 5,732 |
| Loan and lease loss provision to assets | 0.3664% | 3,487 |
| Net operating income to assets | 0.6933% | 3,923 |
| Return on assets (ROA) | 0.5264% | 4,483 |
| Pretax return on assets | 0.5970% | 4,703 |
| Return on Equity (ROE) | 6.6626% | 3,686 |
| Retained earnings to average equity (ytd only) | 2.1170% | 3,914 |
| Net charge-offs to loans | 0.4056% | 2,784 |
| Credit loss provision to net charge-offs | 190.7051% | 2,581 |
| Earnings coverage of net charge-offs (x) | 6.0021% | 3,467 |
| Efficiency ratio | 68.8790% | 4,559 |
| Assets per employee ($millions) | 3.0449% | 5,944 |
| Cash dividends to net income (ytd only)* | 68.2261% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 6,013 |
| Loan loss allowance to noncurrent loans | 287.8788% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 6,242 |
| Noncurrent loans to loans | 0.3488% | 6,326 |
| Net loans and leases to total assets | 49.6800% | 7,056 |
| Net loans and leases to deposits | 63.9904% | 6,795 |
| Net loans and leases to core deposits | 77.3231% | 6,782 |
| Total domestic deposits to total assets | 77.6367% | 5,825 |
| Equity capital to assets | 6.5141% | 7,934 |
| Core capital (leverage) ratio | 8.7330% | 5,142 |
| Tier 1 risk-based capital ratio | 13.6459% | 3,727 |
| Total risk-based capital ratio | 16.3387% | 2,925 |
| Memoranda: | ||
| Average total assets | $487,236,600 | 1,405 |
| Average earning assets | $450,416,000 | 1,380 |
| Average equity | $38,498,600 | 1,756 |
| Average total loans | $230,797,600 | 2,042 |