Home > The North Salem State Bank > Performance and Condition Ratios
The North Salem State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6924% | 939 |
| Cost of funding earning assets | 1.3251% | 2,440 |
| Net interest margin | 4.3674% | 738 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.5870% | 2,047 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.4634% | 1,090 |
| Return on assets (ROA) | 1.4634% | 1,060 |
| Pretax return on assets | 1.8432% | 837 |
| Return on Equity (ROE) | 18.7100% | 740 |
| Retained earnings to average equity (ytd only) | 9.4181% | 1,151 |
| Net charge-offs to loans | 0.0039% | 2,603 |
| Credit loss provision to net charge-offs | 4,273.6842% | 125 |
| Earnings coverage of net charge-offs (x) | 623.3158% | 236 |
| Efficiency ratio | 56.3001% | 3,469 |
| Assets per employee ($millions) | 6.5082% | 2,411 |
| Cash dividends to net income (ytd only)* | 49.6575% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 559 |
| Loan loss allowance to noncurrent loans | 42,857.1429% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 3,808 |
| Noncurrent loans to loans | 0.0042% | 3,761 |
| Net loans and leases to total assets | 82.0400% | 429 |
| Net loans and leases to deposits | 91.6766% | 1,123 |
| Net loans and leases to core deposits | 101.8074% | 1,341 |
| Total domestic deposits to total assets | 89.4900% | 909 |
| Equity capital to assets | 8.0808% | 3,361 |
| Core capital (leverage) ratio | 8.5276% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9689% | 2,593 |
| Memoranda: | ||
| Average total assets | $598,462,800 | 1,484 |
| Average earning assets | $562,536,800 | 1,461 |
| Average equity | $46,814,200 | 1,687 |
| Average total loans | $487,368,800 | 1,257 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5182% | 992 |
| Cost of funding earning assets | 1.1409% | 2,620 |
| Net interest margin | 4.3773% | 721 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.4438% | 2,394 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.5423% | 1,041 |
| Return on assets (ROA) | 1.5423% | 1,028 |
| Pretax return on assets | 1.9460% | 807 |
| Return on Equity (ROE) | 19.8800% | 735 |
| Retained earnings to average equity (ytd only) | 8.2204% | 1,881 |
| Net charge-offs to loans | 0.0041% | 2,342 |
| Credit loss provision to net charge-offs | 4,393.3333% | 121 |
| Earnings coverage of net charge-offs (x) | 624.6000% | 252 |
| Efficiency ratio | 53.6219% | 3,611 |
| Assets per employee ($millions) | 6.5395% | 2,300 |
| Cash dividends to net income (ytd only)* | 58.6557% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 597 |
| Loan loss allowance to noncurrent loans | 5,206.4706% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 3,528 |
| Noncurrent loans to loans | 0.0341% | 3,525 |
| Net loans and leases to total assets | 79.7400% | 679 |
| Net loans and leases to deposits | 88.5714% | 1,336 |
| Net loans and leases to core deposits | 97.8824% | 1,449 |
| Total domestic deposits to total assets | 90.0200% | 934 |
| Equity capital to assets | 7.5365% | 3,335 |
| Core capital (leverage) ratio | 8.4555% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6617% | 2,693 |
| Memoranda: | ||
| Average total assets | $596,762,500 | 1,488 |
| Average earning assets | $561,397,250 | 1,461 |
| Average equity | $46,290,250 | 1,688 |
| Average total loans | $482,815,250 | 1,264 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3757% | 983 |
| Cost of funding earning assets | 0.9782% | 2,677 |
| Net interest margin | 4.3975% | 711 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.3725% | 2,585 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.5562% | 1,015 |
| Return on assets (ROA) | 1.5562% | 1,007 |
| Pretax return on assets | 1.9605% | 788 |
| Return on Equity (ROE) | 19.8700% | 719 |
| Retained earnings to average equity (ytd only) | 10.6833% | 1,254 |
| Net charge-offs to loans | 0.0029% | 2,236 |
| Credit loss provision to net charge-offs | 7,228.5714% | 82 |
| Earnings coverage of net charge-offs (x) | 899.5714% | 169 |
| Efficiency ratio | 52.6719% | 3,725 |
| Assets per employee ($millions) | 6.4017% | 2,382 |
| Cash dividends to net income (ytd only)* | 46.2258% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7739% | 651 |
| Loan loss allowance to noncurrent loans | 4,946.5909% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 3,490 |
| Noncurrent loans to loans | 0.0359% | 3,479 |
| Net loans and leases to total assets | 81.8500% | 444 |
| Net loans and leases to deposits | 91.1800% | 1,088 |
| Net loans and leases to core deposits | 98.8207% | 1,301 |
| Total domestic deposits to total assets | 89.7700% | 985 |
| Equity capital to assets | 7.9268% | 3,261 |
| Core capital (leverage) ratio | 8.7963% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2085% | 2,568 |
| Memoranda: | ||
| Average total assets | $590,779,667 | 1,501 |
| Average earning assets | $557,133,667 | 1,472 |
| Average equity | $46,277,667 | 1,689 |
| Average total loans | $477,423,000 | 1,259 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 1,086 |
| Cost of funding earning assets | 0.7945% | 2,758 |
| Net interest margin | 4.3078% | 793 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.2640% | 2,915 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.5366% | 1,102 |
| Return on assets (ROA) | 1.5366% | 1,089 |
| Pretax return on assets | 1.9564% | 839 |
| Return on Equity (ROE) | 19.7300% | 799 |
| Retained earnings to average equity (ytd only) | 17.9971% | 512 |
| Net charge-offs to loans | 0.0008% | 2,031 |
| Credit loss provision to net charge-offs | 30,300.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 3,197.0000% | 23 |
| Efficiency ratio | 51.1610% | 3,840 |
| Assets per employee ($millions) | 6.8750% | 2,062 |
| Cash dividends to net income (ytd only)* | 8.7989% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 671 |
| Loan loss allowance to noncurrent loans | 1,992.7400% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,081 |
| Noncurrent loans to loans | 0.0900% | 3,097 |
| Net loans and leases to total assets | 77.9100% | 773 |
| Net loans and leases to deposits | 85.2814% | 1,406 |
| Net loans and leases to core deposits | 90.0097% | 1,614 |
| Total domestic deposits to total assets | 91.3600% | 685 |
| Equity capital to assets | 7.9174% | 3,303 |
| Core capital (leverage) ratio | 8.8275% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8292% | 2,458 |
| Memoranda: | ||
| Average total assets | $591,693,000 | 1,515 |
| Average earning assets | $558,340,000 | 1,495 |
| Average equity | $46,074,000 | 1,710 |
| Average total loans | $470,739,000 | 1,285 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5420% | 674 |
| Cost of funding earning assets | 0.3680% | 2,348 |
| Net interest margin | 4.1739% | 572 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.3187% | 2,669 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.5180% | 840 |
| Return on assets (ROA) | 1.5180% | 815 |
| Pretax return on assets | 1.9325% | 540 |
| Return on Equity (ROE) | 19.4900% | 522 |
| Retained earnings to average equity (ytd only) | 15.6362% | 245 |
| Net charge-offs to loans | -0.0028% | 3,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.2001% | 3,963 |
| Assets per employee ($millions) | 6.7271% | 2,169 |
| Cash dividends to net income (ytd only)* | 19.7633% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 718 |
| Loan loss allowance to noncurrent loans | 6,839.1667% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 3,641 |
| Noncurrent loans to loans | 0.0257% | 3,611 |
| Net loans and leases to total assets | 78.3800% | 761 |
| Net loans and leases to deposits | 85.3686% | 1,363 |
| Net loans and leases to core deposits | 89.1806% | 1,545 |
| Total domestic deposits to total assets | 91.8200% | 683 |
| Equity capital to assets | 7.6534% | 3,284 |
| Core capital (leverage) ratio | 8.5677% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5796% | 2,537 |
| Memoranda: | ||
| Average total assets | $556,642,200 | 1,592 |
| Average earning assets | $525,522,800 | 1,565 |
| Average equity | $43,361,000 | 1,808 |
| Average total loans | $429,453,000 | 1,313 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3686% | 623 |
| Cost of funding earning assets | 0.3258% | 1,904 |
| Net interest margin | 4.0429% | 590 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.2158% | 2,887 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.5192% | 810 |
| Return on assets (ROA) | 1.5192% | 787 |
| Pretax return on assets | 1.9344% | 541 |
| Return on Equity (ROE) | 19.4100% | 488 |
| Retained earnings to average equity (ytd only) | 16.0945% | 271 |
| Net charge-offs to loans | -0.0051% | 3,484 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.1224% | 4,077 |
| Assets per employee ($millions) | 6.7807% | 2,109 |
| Cash dividends to net income (ytd only)* | 17.0899% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7523% | 799 |
| Loan loss allowance to noncurrent loans | 56,485.7143% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 4,003 |
| Noncurrent loans to loans | 0.0031% | 3,943 |
| Net loans and leases to total assets | 76.9300% | 808 |
| Net loans and leases to deposits | 83.7300% | 1,322 |
| Net loans and leases to core deposits | 87.2837% | 1,449 |
| Total domestic deposits to total assets | 91.8800% | 919 |
| Equity capital to assets | 7.4697% | 3,236 |
| Core capital (leverage) ratio | 8.6969% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5080% | 2,651 |
| Memoranda: | ||
| Average total assets | $549,488,000 | 1,618 |
| Average earning assets | $518,989,250 | 1,591 |
| Average equity | $43,003,250 | 1,848 |
| Average total loans | $420,076,500 | 1,329 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2168% | 613 |
| Cost of funding earning assets | 0.3180% | 1,546 |
| Net interest margin | 3.8988% | 604 |
| Noninterest income to average assets | 0.5620% | 1,897 |
| Noninterest expense to average assets | 2.1571% | 2,977 |
| Loan and lease loss provision to assets | 0.1872% | 466 |
| Net operating income to assets | 1.4942% | 721 |
| Return on assets (ROA) | 1.4945% | 701 |
| Pretax return on assets | 1.9015% | 468 |
| Return on Equity (ROE) | 18.7917% | 399 |
| Retained earnings to average equity (ytd only) | 17.6984% | 127 |
| Net charge-offs to loans | 0.0015% | 2,076 |
| Credit loss provision to net charge-offs | 16,866.6667% | 29 |
| Earnings coverage of net charge-offs (x) | 1,881.3333% | 52 |
| Efficiency ratio | 50.8105% | 4,203 |
| Assets per employee ($millions) | 6.4017% | 2,387 |
| Cash dividends to net income (ytd only)* | 5.8183% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7769% | 843 |
| Loan loss allowance to noncurrent loans | 8,579.7753% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 3,853 |
| Noncurrent loans to loans | 0.0207% | 3,814 |
| Net loans and leases to total assets | 77.5709% | 587 |
| Net loans and leases to deposits | 85.2559% | 1,032 |
| Net loans and leases to core deposits | 89.7431% | 1,135 |
| Total domestic deposits to total assets | 90.9860% | 1,250 |
| Equity capital to assets | 7.9678% | 3,147 |
| Core capital (leverage) ratio | 8.5075% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7739% | 2,580 |
| Memoranda: | ||
| Average total assets | $540,531,667 | 1,653 |
| Average earning assets | $510,666,000 | 1,637 |
| Average equity | $42,987,000 | 1,896 |
| Average total loans | $409,667,000 | 1,352 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 726 |
| Cost of funding earning assets | 0.3300% | 1,380 |
| Net interest margin | 3.7006% | 749 |
| Noninterest income to average assets | 0.4938% | 2,173 |
| Noninterest expense to average assets | 2.0953% | 3,159 |
| Loan and lease loss provision to assets | 0.2250% | 312 |
| Net operating income to assets | 1.3329% | 932 |
| Return on assets (ROA) | 1.3335% | 921 |
| Pretax return on assets | 1.6877% | 700 |
| Return on Equity (ROE) | 16.7841% | 447 |
| Retained earnings to average equity (ytd only) | 15.5225% | 257 |
| Net charge-offs to loans | 0.0020% | 1,756 |
| Credit loss provision to net charge-offs | 15,150.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 1,287.5000% | 61 |
| Efficiency ratio | 52.2883% | 4,183 |
| Assets per employee ($millions) | 6.7220% | 2,207 |
| Cash dividends to net income (ytd only)* | 7.5167% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8057% | 875 |
| Loan loss allowance to noncurrent loans | 6,353.8462% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 3,829 |
| Noncurrent loans to loans | 0.0284% | 3,793 |
| Net loans and leases to total assets | 74.2465% | 643 |
| Net loans and leases to deposits | 81.3429% | 1,053 |
| Net loans and leases to core deposits | 85.7666% | 1,145 |
| Total domestic deposits to total assets | 91.2759% | 899 |
| Equity capital to assets | 7.8379% | 3,695 |
| Core capital (leverage) ratio | 8.2070% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3953% | 2,808 |
| Memoranda: | ||
| Average total assets | $538,727,000 | 1,667 |
| Average earning assets | $511,478,500 | 1,643 |
| Average equity | $42,802,500 | 1,954 |
| Average total loans | $399,635,000 | 1,369 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1044% | 1,150 |
| Cost of funding earning assets | 0.4701% | 1,062 |
| Net interest margin | 3.6344% | 1,379 |
| Noninterest income to average assets | 0.4553% | 2,789 |
| Noninterest expense to average assets | 2.1715% | 3,173 |
| Loan and lease loss provision to assets | 0.1437% | 828 |
| Net operating income to assets | 1.2664% | 1,699 |
| Return on assets (ROA) | 1.2742% | 1,736 |
| Pretax return on assets | 1.6135% | 1,390 |
| Return on Equity (ROE) | 16.3968% | 692 |
| Retained earnings to average equity (ytd only) | 15.0011% | 223 |
| Net charge-offs to loans | 0.0064% | 2,337 |
| Credit loss provision to net charge-offs | 3,226.0870% | 210 |
| Earnings coverage of net charge-offs (x) | 392.2609% | 333 |
| Efficiency ratio | 55.4117% | 3,772 |
| Assets per employee ($millions) | 6.4997% | 2,335 |
| Cash dividends to net income (ytd only)* | 8.5119% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 810 |
| Loan loss allowance to noncurrent loans | 3,242.2727% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 3,717 |
| Noncurrent loans to loans | 0.0568% | 3,668 |
| Net loans and leases to total assets | 71.3816% | 895 |
| Net loans and leases to deposits | 78.5837% | 1,344 |
| Net loans and leases to core deposits | 83.8169% | 1,343 |
| Total domestic deposits to total assets | 90.8352% | 561 |
| Equity capital to assets | 8.0546% | 4,329 |
| Core capital (leverage) ratio | 8.2252% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8412% | 2,692 |
| Memoranda: | ||
| Average total assets | $516,330,000 | 1,659 |
| Average earning assets | $492,051,400 | 1,632 |
| Average equity | $40,123,600 | 2,080 |
| Average total loans | $357,322,600 | 1,499 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 1,382 |
| Cost of funding earning assets | 0.4997% | 1,044 |
| Net interest margin | 3.5669% | 1,681 |
| Noninterest income to average assets | 0.4504% | 2,838 |
| Noninterest expense to average assets | 2.0782% | 3,424 |
| Loan and lease loss provision to assets | 0.1142% | 1,052 |
| Net operating income to assets | 1.3045% | 1,816 |
| Return on assets (ROA) | 1.3047% | 1,869 |
| Pretax return on assets | 1.6570% | 1,529 |
| Return on Equity (ROE) | 16.9511% | 768 |
| Retained earnings to average equity (ytd only) | 16.0717% | 296 |
| Net charge-offs to loans | 0.0061% | 2,095 |
| Credit loss provision to net charge-offs | 2,743.7500% | 253 |
| Earnings coverage of net charge-offs (x) | 425.1875% | 340 |
| Efficiency ratio | 53.9903% | 3,815 |
| Assets per employee ($millions) | 6.3956% | 2,340 |
| Cash dividends to net income (ytd only)* | 5.1875% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8406% | 860 |
| Loan loss allowance to noncurrent loans | 7,682.0225% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 4,099 |
| Noncurrent loans to loans | 0.0240% | 4,026 |
| Net loans and leases to total assets | 68.6874% | 1,237 |
| Net loans and leases to deposits | 75.3899% | 1,726 |
| Net loans and leases to core deposits | 80.9594% | 1,653 |
| Total domestic deposits to total assets | 91.1097% | 335 |
| Equity capital to assets | 7.8989% | 4,564 |
| Core capital (leverage) ratio | 8.0765% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6997% | 2,802 |
| Memoranda: | ||
| Average total assets | $512,169,500 | 1,689 |
| Average earning assets | $488,033,250 | 1,657 |
| Average equity | $39,422,250 | 2,128 |
| Average total loans | $349,759,000 | 1,549 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9082% | 1,791 |
| Cost of funding earning assets | 0.5377% | 996 |
| Net interest margin | 3.3705% | 2,238 |
| Noninterest income to average assets | 0.4550% | 2,820 |
| Noninterest expense to average assets | 2.0694% | 3,493 |
| Loan and lease loss provision to assets | 0.0972% | 1,298 |
| Net operating income to assets | 1.1887% | 2,230 |
| Return on assets (ROA) | 1.1891% | 2,295 |
| Pretax return on assets | 1.5025% | 2,005 |
| Return on Equity (ROE) | 15.5910% | 1,037 |
| Retained earnings to average equity (ytd only) | 14.7617% | 465 |
| Net charge-offs to loans | 0.0041% | 2,009 |
| Credit loss provision to net charge-offs | 3,514.2857% | 184 |
| Earnings coverage of net charge-offs (x) | 578.0000% | 231 |
| Efficiency ratio | 56.4056% | 3,491 |
| Assets per employee ($millions) | 6.4000% | 2,236 |
| Cash dividends to net income (ytd only)* | 5.3191% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 777 |
| Loan loss allowance to noncurrent loans | 2,549.0421% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,909 |
| Noncurrent loans to loans | 0.0734% | 3,819 |
| Net loans and leases to total assets | 68.1234% | 1,429 |
| Net loans and leases to deposits | 74.7990% | 1,924 |
| Net loans and leases to core deposits | 80.9715% | 1,804 |
| Total domestic deposits to total assets | 91.0752% | 351 |
| Equity capital to assets | 7.8240% | 4,620 |
| Core capital (leverage) ratio | 7.7991% | 4,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1041% | 2,677 |
| Memoranda: | ||
| Average total assets | $505,947,667 | 1,694 |
| Average earning assets | $482,422,000 | 1,658 |
| Average equity | $38,586,333 | 2,152 |
| Average total loans | $342,527,333 | 1,586 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8589% | 1,937 |
| Cost of funding earning assets | 0.5833% | 949 |
| Net interest margin | 3.2756% | 2,463 |
| Noninterest income to average assets | 0.4573% | 2,798 |
| Noninterest expense to average assets | 2.0289% | 3,631 |
| Loan and lease loss provision to assets | 0.0978% | 1,376 |
| Net operating income to assets | 1.1534% | 2,323 |
| Return on assets (ROA) | 1.1541% | 2,387 |
| Pretax return on assets | 1.4579% | 2,114 |
| Return on Equity (ROE) | 15.3342% | 1,149 |
| Retained earnings to average equity (ytd only) | 13.6433% | 795 |
| Net charge-offs to loans | -0.0024% | 3,171 |
| Credit loss provision to net charge-offs | -6,150.0000% | 3,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6134% | 3,475 |
| Assets per employee ($millions) | 6.6129% | 2,085 |
| Cash dividends to net income (ytd only)* | 11.0269% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9202% | 716 |
| Loan loss allowance to noncurrent loans | 4,953.7879% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 4,184 |
| Noncurrent loans to loans | 0.0388% | 4,088 |
| Net loans and leases to total assets | 63.9347% | 2,051 |
| Net loans and leases to deposits | 69.9621% | 2,510 |
| Net loans and leases to core deposits | 76.0926% | 2,348 |
| Total domestic deposits to total assets | 91.3849% | 263 |
| Equity capital to assets | 7.3675% | 4,752 |
| Core capital (leverage) ratio | 7.5492% | 4,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8295% | 2,729 |
| Memoranda: | ||
| Average total assets | $502,920,500 | 1,683 |
| Average earning assets | $480,033,500 | 1,648 |
| Average equity | $37,850,000 | 2,166 |
| Average total loans | $336,068,000 | 1,606 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 1,464 |
| Cost of funding earning assets | 0.9319% | 761 |
| Net interest margin | 3.5074% | 2,451 |
| Noninterest income to average assets | 0.4761% | 2,749 |
| Noninterest expense to average assets | 2.2758% | 3,475 |
| Loan and lease loss provision to assets | 0.1113% | 2,956 |
| Net operating income to assets | 1.1215% | 1,829 |
| Return on assets (ROA) | 1.1336% | 1,911 |
| Pretax return on assets | 1.4249% | 1,581 |
| Return on Equity (ROE) | 14.3194% | 743 |
| Retained earnings to average equity (ytd only) | 11.7395% | 349 |
| Net charge-offs to loans | -0.0329% | 4,563 |
| Credit loss provision to net charge-offs | -459.8131% | 3,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9392% | 3,470 |
| Assets per employee ($millions) | 6.1193% | 2,240 |
| Cash dividends to net income (ytd only)* | 18.0168% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9343% | 669 |
| Loan loss allowance to noncurrent loans | 4,859.0909% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 4,233 |
| Noncurrent loans to loans | 0.0398% | 4,141 |
| Net loans and leases to total assets | 67.2654% | 1,922 |
| Net loans and leases to deposits | 73.7435% | 2,512 |
| Net loans and leases to core deposits | 80.4418% | 2,321 |
| Total domestic deposits to total assets | 91.2154% | 176 |
| Equity capital to assets | 7.6974% | 4,802 |
| Core capital (leverage) ratio | 8.2343% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0470% | 2,612 |
| Memoranda: | ||
| Average total assets | $442,121,600 | 1,731 |
| Average earning assets | $418,601,200 | 1,699 |
| Average equity | $35,001,400 | 2,235 |
| Average total loans | $325,548,600 | 1,589 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4877% | 1,599 |
| Cost of funding earning assets | 0.9999% | 759 |
| Net interest margin | 3.4878% | 2,630 |
| Noninterest income to average assets | 0.4666% | 2,758 |
| Noninterest expense to average assets | 2.2597% | 3,528 |
| Loan and lease loss provision to assets | 0.1139% | 2,897 |
| Net operating income to assets | 1.1215% | 1,911 |
| Return on assets (ROA) | 1.1218% | 2,028 |
| Pretax return on assets | 1.3880% | 1,773 |
| Return on Equity (ROE) | 14.0610% | 870 |
| Retained earnings to average equity (ytd only) | 11.3518% | 512 |
| Net charge-offs to loans | -0.0440% | 4,637 |
| Credit loss provision to net charge-offs | -344.8598% | 3,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0772% | 3,383 |
| Assets per employee ($millions) | 6.0518% | 2,222 |
| Cash dividends to net income (ytd only)* | 19.2678% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8297% | 678 |
| Loan loss allowance to noncurrent loans | 269.6099% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 2,226 |
| Noncurrent loans to loans | 0.6787% | 2,096 |
| Net loans and leases to total assets | 71.4929% | 1,746 |
| Net loans and leases to deposits | 78.4587% | 2,485 |
| Net loans and leases to core deposits | 86.5260% | 2,275 |
| Total domestic deposits to total assets | 91.1217% | 151 |
| Equity capital to assets | 7.6479% | 4,824 |
| Core capital (leverage) ratio | 8.2082% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9791% | 2,925 |
| Memoranda: | ||
| Average total assets | $431,796,000 | 1,736 |
| Average earning assets | $407,885,750 | 1,715 |
| Average equity | $34,449,000 | 2,248 |
| Average total loans | $324,038,000 | 1,593 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6418% | 1,559 |
| Cost of funding earning assets | 1.0616% | 814 |
| Net interest margin | 3.5801% | 2,546 |
| Noninterest income to average assets | 0.4446% | 2,829 |
| Noninterest expense to average assets | 2.3553% | 3,383 |
| Loan and lease loss provision to assets | 0.1176% | 2,844 |
| Net operating income to assets | 1.0851% | 2,015 |
| Return on assets (ROA) | 1.0851% | 2,140 |
| Pretax return on assets | 1.3490% | 1,870 |
| Return on Equity (ROE) | 13.3930% | 1,006 |
| Retained earnings to average equity (ytd only) | 9.8530% | 815 |
| Net charge-offs to loans | -0.0661% | 4,752 |
| Credit loss provision to net charge-offs | -234.2857% | 3,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6260% | 3,180 |
| Assets per employee ($millions) | 5.8601% | 2,306 |
| Cash dividends to net income (ytd only)* | 26.4317% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 597 |
| Loan loss allowance to noncurrent loans | 414.7276% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 3,012 |
| Noncurrent loans to loans | 0.4445% | 2,825 |
| Net loans and leases to total assets | 71.8384% | 1,742 |
| Net loans and leases to deposits | 78.8988% | 2,557 |
| Net loans and leases to core deposits | 87.3991% | 2,314 |
| Total domestic deposits to total assets | 91.0513% | 138 |
| Equity capital to assets | 7.6227% | 4,851 |
| Core capital (leverage) ratio | 8.2257% | 4,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1145% | 2,938 |
| Memoranda: | ||
| Average total assets | $418,382,333 | 1,757 |
| Average earning assets | $394,676,667 | 1,733 |
| Average equity | $33,898,333 | 2,264 |
| Average total loans | $317,463,000 | 1,608 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8971% | 1,198 |
| Cost of funding earning assets | 1.1201% | 990 |
| Net interest margin | 3.7770% | 2,062 |
| Noninterest income to average assets | 0.3669% | 3,318 |
| Noninterest expense to average assets | 2.3286% | 3,701 |
| Loan and lease loss provision to assets | 0.1233% | 2,154 |
| Net operating income to assets | 1.1768% | 1,593 |
| Return on assets (ROA) | 1.1768% | 1,714 |
| Pretax return on assets | 1.4676% | 1,392 |
| Return on Equity (ROE) | 14.0487% | 691 |
| Retained earnings to average equity (ytd only) | 6.8688% | 1,588 |
| Net charge-offs to loans | 0.0013% | 2,550 |
| Credit loss provision to net charge-offs | 12,300.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 1,587.0000% | 21 |
| Efficiency ratio | 59.4118% | 3,816 |
| Assets per employee ($millions) | 5.0336% | 2,612 |
| Cash dividends to net income (ytd only)* | 51.1073% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9162% | 588 |
| Loan loss allowance to noncurrent loans | 526.7968% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 3,364 |
| Noncurrent loans to loans | 0.3637% | 3,194 |
| Net loans and leases to total assets | 73.6249% | 1,674 |
| Net loans and leases to deposits | 81.3727% | 2,536 |
| Net loans and leases to core deposits | 91.9102% | 2,172 |
| Total domestic deposits to total assets | 90.4787% | 199 |
| Equity capital to assets | 8.1632% | 4,937 |
| Core capital (leverage) ratio | 8.4446% | 4,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3942% | 2,973 |
| Memoranda: | ||
| Average total assets | $399,031,500 | 1,768 |
| Average earning assets | $375,325,500 | 1,764 |
| Average equity | $33,426,500 | 2,276 |
| Average total loans | $308,930,000 | 1,601 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2357% | 922 |
| Cost of funding earning assets | 1.0515% | 1,506 |
| Net interest margin | 4.1842% | 1,351 |
| Noninterest income to average assets | 0.5629% | 2,406 |
| Noninterest expense to average assets | 2.7671% | 2,701 |
| Loan and lease loss provision to assets | 0.1358% | 1,573 |
| Net operating income to assets | 1.2803% | 1,766 |
| Return on assets (ROA) | 1.2803% | 1,842 |
| Pretax return on assets | 1.5771% | 1,557 |
| Return on Equity (ROE) | 14.8083% | 727 |
| Retained earnings to average equity (ytd only) | 12.5734% | 197 |
| Net charge-offs to loans | -0.0149% | 4,568 |
| Credit loss provision to net charge-offs | -1,118.1818% | 4,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7660% | 3,417 |
| Assets per employee ($millions) | 4.6989% | 2,949 |
| Cash dividends to net income (ytd only)* | 15.0927% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8878% | 570 |
| Loan loss allowance to noncurrent loans | 1,355.4779% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 4,071 |
| Noncurrent loans to loans | 0.1393% | 3,970 |
| Net loans and leases to total assets | 78.4353% | 1,005 |
| Net loans and leases to deposits | 87.0257% | 1,967 |
| Net loans and leases to core deposits | 99.4685% | 1,608 |
| Total domestic deposits to total assets | 90.1289% | 287 |
| Equity capital to assets | 8.6059% | 4,866 |
| Core capital (leverage) ratio | 9.0674% | 4,468 |
| Tier 1 risk-based capital ratio | 11.4175% | 4,672 |
| Total risk-based capital ratio | 12.6769% | 4,542 |
| Memoranda: | ||
| Average total assets | $362,254,600 | 1,867 |
| Average earning assets | $339,135,200 | 1,850 |
| Average equity | $31,320,200 | 2,327 |
| Average total loans | $295,479,200 | 1,627 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2659% | 923 |
| Cost of funding earning assets | 1.0340% | 1,611 |
| Net interest margin | 4.2319% | 1,303 |
| Noninterest income to average assets | 0.5745% | 2,335 |
| Noninterest expense to average assets | 2.7418% | 2,737 |
| Loan and lease loss provision to assets | 0.1346% | 1,426 |
| Net operating income to assets | 1.3464% | 1,656 |
| Return on assets (ROA) | 1.3464% | 1,731 |
| Pretax return on assets | 1.6535% | 1,461 |
| Return on Equity (ROE) | 15.5535% | 676 |
| Retained earnings to average equity (ytd only) | 13.7173% | 219 |
| Net charge-offs to loans | -0.0073% | 4,301 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5268% | 3,537 |
| Assets per employee ($millions) | 4.5695% | 3,097 |
| Cash dividends to net income (ytd only)* | 11.8055% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8534% | 598 |
| Loan loss allowance to noncurrent loans | 1,417.2932% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 3,945 |
| Noncurrent loans to loans | 0.1308% | 4,063 |
| Net loans and leases to total assets | 81.9198% | 575 |
| Net loans and leases to deposits | 91.3220% | 1,529 |
| Net loans and leases to core deposits | 103.6168% | 1,358 |
| Total domestic deposits to total assets | 89.7043% | 370 |
| Equity capital to assets | 8.8617% | 4,845 |
| Core capital (leverage) ratio | 8.9755% | 4,656 |
| Tier 1 risk-based capital ratio | 11.1184% | 4,852 |
| Total risk-based capital ratio | 12.3769% | 4,740 |
| Memoranda: | ||
| Average total assets | $356,491,750 | 1,900 |
| Average earning assets | $333,207,250 | 1,884 |
| Average equity | $30,860,500 | 2,363 |
| Average total loans | $292,341,250 | 1,649 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1996% | 984 |
| Cost of funding earning assets | 1.0043% | 1,675 |
| Net interest margin | 4.1954% | 1,376 |
| Noninterest income to average assets | 0.5726% | 2,272 |
| Noninterest expense to average assets | 2.7125% | 2,866 |
| Loan and lease loss provision to assets | 0.1358% | 1,369 |
| Net operating income to assets | 1.3489% | 1,580 |
| Return on assets (ROA) | 1.3489% | 1,647 |
| Pretax return on assets | 1.6505% | 1,391 |
| Return on Equity (ROE) | 15.7106% | 638 |
| Retained earnings to average equity (ytd only) | 15.7106% | 140 |
| Net charge-offs to loans | -0.0299% | 4,676 |
| Credit loss provision to net charge-offs | -558.1395% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2943% | 3,681 |
| Assets per employee ($millions) | 4.2794% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8833% | 581 |
| Loan loss allowance to noncurrent loans | 5,400.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 4,373 |
| Noncurrent loans to loans | 0.0349% | 4,538 |
| Net loans and leases to total assets | 79.6652% | 940 |
| Net loans and leases to deposits | 88.5467% | 1,935 |
| Net loans and leases to core deposits | 100.3515% | 1,694 |
| Total domestic deposits to total assets | 89.9696% | 340 |
| Equity capital to assets | 8.6899% | 4,962 |
| Core capital (leverage) ratio | 8.8019% | 4,782 |
| Tier 1 risk-based capital ratio | 11.2656% | 4,800 |
| Total risk-based capital ratio | 12.5253% | 4,691 |
| Memoranda: | ||
| Average total assets | $353,469,000 | 1,918 |
| Average earning assets | $330,793,330 | 1,903 |
| Average equity | $30,349,000 | 2,383 |
| Average total loans | $288,081,330 | 1,668 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1315% | 1,040 |
| Cost of funding earning assets | 0.9355% | 1,862 |
| Net interest margin | 4.1961% | 1,310 |
| Noninterest income to average assets | 0.3939% | 3,225 |
| Noninterest expense to average assets | 2.5723% | 3,291 |
| Loan and lease loss provision to assets | 0.1412% | 1,211 |
| Net operating income to assets | 1.3068% | 1,678 |
| Return on assets (ROA) | 1.3068% | 1,715 |
| Pretax return on assets | 1.6157% | 1,425 |
| Return on Equity (ROE) | 15.3168% | 693 |
| Retained earnings to average equity (ytd only) | 15.3168% | 259 |
| Net charge-offs to loans | -0.0633% | 4,898 |
| Credit loss provision to net charge-offs | -273.3333% | 3,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4164% | 3,888 |
| Assets per employee ($millions) | 4.2702% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 594 |
| Loan loss allowance to noncurrent loans | 2,032.4627% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 4,439 |
| Noncurrent loans to loans | 0.0933% | 4,331 |
| Net loans and leases to total assets | 79.5154% | 906 |
| Net loans and leases to deposits | 88.3716% | 1,827 |
| Net loans and leases to core deposits | 98.8950% | 1,715 |
| Total domestic deposits to total assets | 89.9785% | 453 |
| Equity capital to assets | 8.5532% | 4,959 |
| Core capital (leverage) ratio | 8.5705% | 4,967 |
| Tier 1 risk-based capital ratio | 11.1755% | 4,898 |
| Total risk-based capital ratio | 12.4349% | 4,801 |
| Memoranda: | ||
| Average total assets | $348,331,000 | 1,958 |
| Average earning assets | $326,685,500 | 1,936 |
| Average equity | $29,719,000 | 2,421 |
| Average total loans | $284,452,000 | 1,697 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0913% | 863 |
| Cost of funding earning assets | 0.8124% | 1,465 |
| Net interest margin | 4.2789% | 1,203 |
| Noninterest income to average assets | 0.5703% | 2,450 |
| Noninterest expense to average assets | 2.7986% | 2,698 |
| Loan and lease loss provision to assets | 0.2376% | 748 |
| Net operating income to assets | 1.2398% | 2,015 |
| Return on assets (ROA) | 1.2598% | 1,940 |
| Pretax return on assets | 1.5577% | 1,597 |
| Return on Equity (ROE) | 14.9905% | 832 |
| Retained earnings to average equity (ytd only) | 12.7065% | 261 |
| Net charge-offs to loans | 0.0474% | 2,488 |
| Credit loss provision to net charge-offs | 595.4198% | 598 |
| Earnings coverage of net charge-offs (x) | 44.3664% | 1,222 |
| Efficiency ratio | 61.2482% | 3,655 |
| Assets per employee ($millions) | 4.2779% | 3,497 |
| Cash dividends to net income (ytd only)* | 15.2358% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8744% | 599 |
| Loan loss allowance to noncurrent loans | 1,969.7761% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 4,427 |
| Noncurrent loans to loans | 0.0952% | 4,315 |
| Net loans and leases to total assets | 80.7497% | 833 |
| Net loans and leases to deposits | 89.5831% | 1,851 |
| Net loans and leases to core deposits | 102.5725% | 1,536 |
| Total domestic deposits to total assets | 90.1395% | 429 |
| Equity capital to assets | 8.5097% | 4,930 |
| Core capital (leverage) ratio | 8.7658% | 4,836 |
| Tier 1 risk-based capital ratio | 11.1339% | 4,904 |
| Total risk-based capital ratio | 12.3936% | 4,802 |
| Memoranda: | ||
| Average total assets | $328,230,000 | 2,004 |
| Average earning assets | $306,760,200 | 1,988 |
| Average equity | $27,584,200 | 2,478 |
| Average total loans | $276,455,000 | 1,688 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0581% | 825 |
| Cost of funding earning assets | 0.7717% | 1,469 |
| Net interest margin | 4.2864% | 1,145 |
| Noninterest income to average assets | 0.5761% | 2,442 |
| Noninterest expense to average assets | 2.7312% | 2,871 |
| Loan and lease loss provision to assets | 0.2402% | 661 |
| Net operating income to assets | 1.3101% | 1,813 |
| Return on assets (ROA) | 1.3377% | 1,724 |
| Pretax return on assets | 1.6407% | 1,444 |
| Return on Equity (ROE) | 15.9705% | 701 |
| Retained earnings to average equity (ytd only) | 14.2303% | 229 |
| Net charge-offs to loans | 0.0291% | 2,515 |
| Credit loss provision to net charge-offs | 975.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 74.9815% | 912 |
| Efficiency ratio | 59.6538% | 3,857 |
| Assets per employee ($millions) | 3.8620% | 4,091 |
| Cash dividends to net income (ytd only)* | 10.8962% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 680 |
| Loan loss allowance to noncurrent loans | 1,037.2233% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 4,066 |
| Noncurrent loans to loans | 0.1763% | 4,101 |
| Net loans and leases to total assets | 83.3071% | 533 |
| Net loans and leases to deposits | 92.6268% | 1,548 |
| Net loans and leases to core deposits | 106.7550% | 1,248 |
| Total domestic deposits to total assets | 89.9384% | 532 |
| Equity capital to assets | 8.5775% | 4,877 |
| Core capital (leverage) ratio | 8.6904% | 4,962 |
| Tier 1 risk-based capital ratio | 10.7841% | 5,139 |
| Total risk-based capital ratio | 12.0320% | 5,041 |
| Memoranda: | ||
| Average total assets | $324,729,000 | 2,026 |
| Average earning assets | $303,215,750 | 2,018 |
| Average equity | $27,199,500 | 2,512 |
| Average total loans | $275,160,750 | 1,702 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9965% | 833 |
| Cost of funding earning assets | 0.7204% | 1,520 |
| Net interest margin | 4.2761% | 1,090 |
| Noninterest income to average assets | 0.5883% | 2,392 |
| Noninterest expense to average assets | 2.7344% | 2,891 |
| Loan and lease loss provision to assets | 0.2420% | 643 |
| Net operating income to assets | 1.3131% | 1,718 |
| Return on assets (ROA) | 1.3548% | 1,593 |
| Pretax return on assets | 1.6595% | 1,317 |
| Return on Equity (ROE) | 16.3095% | 610 |
| Retained earnings to average equity (ytd only) | 16.3095% | 145 |
| Net charge-offs to loans | 0.0366% | 2,120 |
| Credit loss provision to net charge-offs | 780.0000% | 509 |
| Earnings coverage of net charge-offs (x) | 59.6400% | 1,003 |
| Efficiency ratio | 59.6372% | 3,985 |
| Assets per employee ($millions) | 3.8827% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7903% | 769 |
| Loan loss allowance to noncurrent loans | 1,287.8238% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 4,258 |
| Noncurrent loans to loans | 0.1390% | 4,276 |
| Net loans and leases to total assets | 83.6106% | 511 |
| Net loans and leases to deposits | 92.7492% | 1,501 |
| Net loans and leases to core deposits | 108.2215% | 1,103 |
| Total domestic deposits to total assets | 90.1470% | 525 |
| Equity capital to assets | 8.5144% | 4,930 |
| Core capital (leverage) ratio | 8.5488% | 5,075 |
| Tier 1 risk-based capital ratio | 10.5667% | 5,244 |
| Total risk-based capital ratio | 11.8180% | 5,145 |
| Memoranda: | ||
| Average total assets | $322,260,330 | 2,053 |
| Average earning assets | $301,211,330 | 2,039 |
| Average equity | $26,769,670 | 2,544 |
| Average total loans | $272,932,000 | 1,722 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9314% | 813 |
| Cost of funding earning assets | 0.6852% | 1,521 |
| Net interest margin | 4.2462% | 1,057 |
| Noninterest income to average assets | 0.5532% | 2,509 |
| Noninterest expense to average assets | 2.5799% | 3,392 |
| Loan and lease loss provision to assets | 0.2435% | 621 |
| Net operating income to assets | 1.3886% | 1,374 |
| Return on assets (ROA) | 1.3886% | 1,385 |
| Pretax return on assets | 1.6996% | 1,118 |
| Return on Equity (ROE) | 16.9319% | 518 |
| Retained earnings to average equity (ytd only) | 16.9319% | 194 |
| Net charge-offs to loans | 0.0163% | 2,190 |
| Credit loss provision to net charge-offs | 1,772.7273% | 208 |
| Earnings coverage of net charge-offs (x) | 141.4545% | 458 |
| Efficiency ratio | 57.0403% | 4,460 |
| Assets per employee ($millions) | 3.9359% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7696% | 828 |
| Loan loss allowance to noncurrent loans | 1,538.0192% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 4,456 |
| Noncurrent loans to loans | 0.1151% | 4,450 |
| Net loans and leases to total assets | 82.7965% | 558 |
| Net loans and leases to deposits | 91.7979% | 1,475 |
| Net loans and leases to core deposits | 104.2204% | 1,360 |
| Total domestic deposits to total assets | 90.1943% | 582 |
| Equity capital to assets | 8.2834% | 5,115 |
| Core capital (leverage) ratio | 8.3011% | 5,258 |
| Tier 1 risk-based capital ratio | 10.7300% | 5,271 |
| Total risk-based capital ratio | 11.9878% | 5,162 |
| Memoranda: | ||
| Average total assets | $320,319,000 | 2,075 |
| Average earning assets | $299,469,000 | 2,064 |
| Average equity | $26,270,000 | 2,596 |
| Average total loans | $270,567,500 | 1,739 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8833% | 825 |
| Cost of funding earning assets | 0.6649% | 1,217 |
| Net interest margin | 4.2183% | 1,151 |
| Noninterest income to average assets | 0.5007% | 2,994 |
| Noninterest expense to average assets | 2.6208% | 3,376 |
| Loan and lease loss provision to assets | 0.2351% | 818 |
| Net operating income to assets | 0.9903% | 2,291 |
| Return on assets (ROA) | 0.9903% | 2,325 |
| Pretax return on assets | 1.5683% | 1,393 |
| Return on Equity (ROE) | 12.1211% | 1,175 |
| Retained earnings to average equity (ytd only) | 9.9279% | 358 |
| Net charge-offs to loans | 0.0294% | 3,215 |
| Credit loss provision to net charge-offs | 966.2162% | 371 |
| Earnings coverage of net charge-offs (x) | 74.1216% | 808 |
| Efficiency ratio | 59.2375% | 4,384 |
| Assets per employee ($millions) | 4.1285% | 3,770 |
| Cash dividends to net income (ytd only)* | 18.0943% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7205% | 906 |
| Loan loss allowance to noncurrent loans | 1,228.1167% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 4,407 |
| Noncurrent loans to loans | 0.1401% | 4,366 |
| Net loans and leases to total assets | 83.1945% | 529 |
| Net loans and leases to deposits | 91.9829% | 1,525 |
| Net loans and leases to core deposits | 104.0593% | 1,411 |
| Total domestic deposits to total assets | 90.4456% | 411 |
| Equity capital to assets | 8.1177% | 5,341 |
| Core capital (leverage) ratio | 8.2321% | 5,334 |
| Tier 1 risk-based capital ratio | 10.1658% | 5,493 |
| Total risk-based capital ratio | 11.4228% | 5,412 |
| Memoranda: | ||
| Average total assets | $304,148,800 | 2,145 |
| Average earning assets | $282,885,000 | 2,139 |
| Average equity | $24,849,200 | 2,685 |
| Average total loans | $251,722,000 | 1,805 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8498% | 834 |
| Cost of funding earning assets | 0.6514% | 1,228 |
| Net interest margin | 4.1984% | 1,158 |
| Noninterest income to average assets | 0.5188% | 2,905 |
| Noninterest expense to average assets | 2.6159% | 3,359 |
| Loan and lease loss provision to assets | 0.2594% | 651 |
| Net operating income to assets | 1.0836% | 2,158 |
| Return on assets (ROA) | 1.0836% | 2,216 |
| Pretax return on assets | 1.5439% | 1,601 |
| Return on Equity (ROE) | 13.2409% | 1,002 |
| Retained earnings to average equity (ytd only) | 12.1303% | 284 |
| Net charge-offs to loans | 0.0280% | 2,874 |
| Credit loss provision to net charge-offs | 1,125.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 78.2133% | 823 |
| Efficiency ratio | 59.1953% | 4,327 |
| Assets per employee ($millions) | 4.2198% | 3,612 |
| Cash dividends to net income (ytd only)* | 8.3880% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7549% | 931 |
| Loan loss allowance to noncurrent loans | 1,139.0428% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 4,502 |
| Noncurrent loans to loans | 0.1541% | 4,444 |
| Net loans and leases to total assets | 79.9898% | 988 |
| Net loans and leases to deposits | 88.4548% | 1,993 |
| Net loans and leases to core deposits | 103.5462% | 1,425 |
| Total domestic deposits to total assets | 90.4301% | 345 |
| Equity capital to assets | 8.1237% | 5,470 |
| Core capital (leverage) ratio | 8.2838% | 5,377 |
| Tier 1 risk-based capital ratio | 10.3406% | 5,499 |
| Total risk-based capital ratio | 11.5977% | 5,435 |
| Memoranda: | ||
| Average total assets | $300,712,000 | 2,182 |
| Average earning assets | $279,370,750 | 2,172 |
| Average equity | $24,610,000 | 2,720 |
| Average total loans | $247,377,000 | 1,839 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7899% | 876 |
| Cost of funding earning assets | 0.6302% | 1,264 |
| Net interest margin | 4.1597% | 1,170 |
| Noninterest income to average assets | 0.5097% | 2,962 |
| Noninterest expense to average assets | 2.5520% | 3,574 |
| Loan and lease loss provision to assets | 0.2640% | 622 |
| Net operating income to assets | 1.0885% | 2,034 |
| Return on assets (ROA) | 1.0885% | 2,088 |
| Pretax return on assets | 1.5542% | 1,480 |
| Return on Equity (ROE) | 13.2655% | 966 |
| Retained earnings to average equity (ytd only) | 13.2655% | 232 |
| Net charge-offs to loans | 0.0336% | 2,519 |
| Credit loss provision to net charge-offs | 951.2195% | 400 |
| Earnings coverage of net charge-offs (x) | 65.5122% | 884 |
| Efficiency ratio | 58.3953% | 4,547 |
| Assets per employee ($millions) | 4.2547% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6843% | 1,093 |
| Loan loss allowance to noncurrent loans | 2,295.2381% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 4,830 |
| Noncurrent loans to loans | 0.0734% | 4,836 |
| Net loans and leases to total assets | 81.5269% | 739 |
| Net loans and leases to deposits | 89.8563% | 1,747 |
| Net loans and leases to core deposits | 103.3910% | 1,402 |
| Total domestic deposits to total assets | 90.7303% | 288 |
| Equity capital to assets | 8.0755% | 5,503 |
| Core capital (leverage) ratio | 8.2513% | 5,391 |
| Tier 1 risk-based capital ratio | 10.1985% | 5,580 |
| Total risk-based capital ratio | 11.4550% | 5,511 |
| Memoranda: | ||
| Average total assets | $295,455,000 | 2,220 |
| Average earning assets | $274,202,670 | 2,206 |
| Average equity | $24,243,330 | 2,753 |
| Average total loans | $243,944,000 | 1,861 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7342% | 880 |
| Cost of funding earning assets | 0.5959% | 1,402 |
| Net interest margin | 4.1383% | 1,121 |
| Noninterest income to average assets | 0.5252% | 2,796 |
| Noninterest expense to average assets | 2.6010% | 3,500 |
| Loan and lease loss provision to assets | 0.2709% | 535 |
| Net operating income to assets | 1.0560% | 2,048 |
| Return on assets (ROA) | 1.0560% | 2,092 |
| Pretax return on assets | 1.4839% | 1,590 |
| Return on Equity (ROE) | 12.7602% | 1,050 |
| Retained earnings to average equity (ytd only) | 12.7602% | 398 |
| Net charge-offs to loans | 0.0776% | 1,561 |
| Credit loss provision to net charge-offs | 423.9130% | 635 |
| Earnings coverage of net charge-offs (x) | 27.4565% | 1,273 |
| Efficiency ratio | 59.7129% | 4,495 |
| Assets per employee ($millions) | 3.9952% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 1,102 |
| Loan loss allowance to noncurrent loans | 2,955.7143% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 4,959 |
| Noncurrent loans to loans | 0.0583% | 4,965 |
| Net loans and leases to total assets | 79.8399% | 853 |
| Net loans and leases to deposits | 88.2756% | 1,761 |
| Net loans and leases to core deposits | 101.9400% | 1,373 |
| Total domestic deposits to total assets | 90.4439% | 493 |
| Equity capital to assets | 8.1866% | 5,428 |
| Core capital (leverage) ratio | 8.2160% | 5,435 |
| Tier 1 risk-based capital ratio | 10.5703% | 5,511 |
| Total risk-based capital ratio | 11.8276% | 5,430 |
| Memoranda: | ||
| Average total assets | $287,886,500 | 2,270 |
| Average earning assets | $266,484,000 | 2,269 |
| Average equity | $23,824,000 | 2,805 |
| Average total loans | $237,139,000 | 1,910 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7864% | 913 |
| Cost of funding earning assets | 0.5880% | 1,426 |
| Net interest margin | 4.1984% | 1,118 |
| Noninterest income to average assets | 0.5714% | 2,806 |
| Noninterest expense to average assets | 2.6165% | 3,628 |
| Loan and lease loss provision to assets | 0.3609% | 463 |
| Net operating income to assets | 1.0587% | 2,099 |
| Return on assets (ROA) | 1.0587% | 2,204 |
| Pretax return on assets | 1.4821% | 1,649 |
| Return on Equity (ROE) | 12.8953% | 1,017 |
| Retained earnings to average equity (ytd only) | 11.1657% | 293 |
| Net charge-offs to loans | 0.1206% | 2,050 |
| Credit loss provision to net charge-offs | 372.2656% | 842 |
| Earnings coverage of net charge-offs (x) | 19.0117% | 1,935 |
| Efficiency ratio | 58.6737% | 4,762 |
| Assets per employee ($millions) | 4.0019% | 3,963 |
| Cash dividends to net income (ytd only)* | 13.4120% | 3,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 1,128 |
| Loan loss allowance to noncurrent loans | 2,573.5484% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 4,741 |
| Noncurrent loans to loans | 0.0662% | 4,979 |
| Net loans and leases to total assets | 82.1440% | 586 |
| Net loans and leases to deposits | 92.0190% | 1,453 |
| Net loans and leases to core deposits | 106.1369% | 1,120 |
| Total domestic deposits to total assets | 89.2686% | 969 |
| Equity capital to assets | 8.3693% | 5,373 |
| Core capital (leverage) ratio | 8.6763% | 5,099 |
| Tier 1 risk-based capital ratio | 10.5419% | 5,557 |
| Total risk-based capital ratio | 11.7988% | 5,482 |
| Memoranda: | ||
| Average total assets | $264,089,400 | 2,399 |
| Average earning assets | $244,567,600 | 2,402 |
| Average equity | $21,682,400 | 3,006 |
| Average total loans | $212,236,600 | 2,029 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 962 |
| Cost of funding earning assets | 0.5787% | 1,496 |
| Net interest margin | 4.1829% | 1,169 |
| Noninterest income to average assets | 0.5685% | 2,825 |
| Noninterest expense to average assets | 2.5981% | 3,668 |
| Loan and lease loss provision to assets | 0.3260% | 504 |
| Net operating income to assets | 1.0925% | 2,030 |
| Return on assets (ROA) | 1.0925% | 2,131 |
| Pretax return on assets | 1.5200% | 1,651 |
| Return on Equity (ROE) | 13.3758% | 951 |
| Retained earnings to average equity (ytd only) | 12.2774% | 271 |
| Net charge-offs to loans | 0.1135% | 1,812 |
| Credit loss provision to net charge-offs | 361.3636% | 907 |
| Earnings coverage of net charge-offs (x) | 20.4603% | 1,872 |
| Efficiency ratio | 58.4612% | 4,755 |
| Assets per employee ($millions) | 3.9736% | 4,012 |
| Cash dividends to net income (ytd only)* | 8.2122% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6697% | 1,289 |
| Loan loss allowance to noncurrent loans | 928.7129% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 4,731 |
| Noncurrent loans to loans | 0.1798% | 4,634 |
| Net loans and leases to total assets | 79.4389% | 978 |
| Net loans and leases to deposits | 87.4802% | 2,083 |
| Net loans and leases to core deposits | 104.5994% | 1,303 |
| Total domestic deposits to total assets | 90.8079% | 237 |
| Equity capital to assets | 7.9540% | 5,755 |
| Core capital (leverage) ratio | 8.2768% | 5,512 |
| Tier 1 risk-based capital ratio | 11.9019% | 4,848 |
| Total risk-based capital ratio | 13.1619% | 4,735 |
| Memoranda: | ||
| Average total assets | $260,079,250 | 2,450 |
| Average earning assets | $240,975,500 | 2,434 |
| Average equity | $21,241,750 | 3,068 |
| Average total loans | $206,771,000 | 2,075 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7593% | 945 |
| Cost of funding earning assets | 0.5647% | 1,580 |
| Net interest margin | 4.1946% | 1,129 |
| Noninterest income to average assets | 0.5715% | 2,785 |
| Noninterest expense to average assets | 2.5034% | 4,015 |
| Loan and lease loss provision to assets | 0.3220% | 533 |
| Net operating income to assets | 1.1494% | 1,776 |
| Return on assets (ROA) | 1.1494% | 1,895 |
| Pretax return on assets | 1.6288% | 1,282 |
| Return on Equity (ROE) | 13.9395% | 843 |
| Retained earnings to average equity (ytd only) | 13.9395% | 194 |
| Net charge-offs to loans | 0.1773% | 1,276 |
| Credit loss provision to net charge-offs | 229.7753% | 1,185 |
| Earnings coverage of net charge-offs (x) | 13.9213% | 2,091 |
| Efficiency ratio | 56.2036% | 5,127 |
| Assets per employee ($millions) | 3.8898% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6499% | 1,404 |
| Loan loss allowance to noncurrent loans | 867.7340% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 4,738 |
| Noncurrent loans to loans | 0.1901% | 4,676 |
| Net loans and leases to total assets | 79.3930% | 1,001 |
| Net loans and leases to deposits | 87.6779% | 2,039 |
| Net loans and leases to core deposits | 103.9342% | 1,324 |
| Total domestic deposits to total assets | 90.5507% | 300 |
| Equity capital to assets | 8.1971% | 5,736 |
| Core capital (leverage) ratio | 8.2804% | 5,549 |
| Tier 1 risk-based capital ratio | 10.8798% | 5,492 |
| Total risk-based capital ratio | 12.1369% | 5,406 |
| Memoranda: | ||
| Average total assets | $254,055,330 | 2,498 |
| Average earning assets | $235,161,000 | 2,495 |
| Average equity | $20,947,670 | 3,102 |
| Average total loans | $200,790,670 | 2,123 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7930% | 862 |
| Cost of funding earning assets | 0.5677% | 1,561 |
| Net interest margin | 4.2253% | 1,049 |
| Noninterest income to average assets | 0.5996% | 2,538 |
| Noninterest expense to average assets | 2.4016% | 4,366 |
| Loan and lease loss provision to assets | 0.2894% | 558 |
| Net operating income to assets | 1.2555% | 1,394 |
| Return on assets (ROA) | 1.2555% | 1,488 |
| Pretax return on assets | 1.7972% | 854 |
| Return on Equity (ROE) | 15.1794% | 643 |
| Retained earnings to average equity (ytd only) | 15.1794% | 237 |
| Net charge-offs to loans | 0.3600% | 615 |
| Credit loss provision to net charge-offs | 102.8571% | 1,585 |
| Earnings coverage of net charge-offs (x) | 7.4171% | 2,152 |
| Efficiency ratio | 53.5100% | 5,426 |
| Assets per employee ($millions) | 3.8309% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6564% | 1,464 |
| Loan loss allowance to noncurrent loans | 814.0741% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 4,475 |
| Noncurrent loans to loans | 0.2035% | 4,692 |
| Net loans and leases to total assets | 77.4203% | 1,186 |
| Net loans and leases to deposits | 85.6379% | 2,101 |
| Net loans and leases to core deposits | 103.4876% | 1,223 |
| Total domestic deposits to total assets | 90.4043% | 464 |
| Equity capital to assets | 8.2973% | 5,697 |
| Core capital (leverage) ratio | 8.4590% | 5,425 |
| Tier 1 risk-based capital ratio | 10.9137% | 5,544 |
| Total risk-based capital ratio | 12.1702% | 5,451 |
| Memoranda: | ||
| Average total assets | $248,829,500 | 2,552 |
| Average earning assets | $228,999,500 | 2,559 |
| Average equity | $20,580,500 | 3,142 |
| Average total loans | $194,424,500 | 2,166 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7588% | 993 |
| Cost of funding earning assets | 0.5758% | 1,544 |
| Net interest margin | 4.1830% | 1,201 |
| Noninterest income to average assets | 0.5833% | 2,815 |
| Noninterest expense to average assets | 2.6751% | 3,671 |
| Loan and lease loss provision to assets | 0.3419% | 440 |
| Net operating income to assets | 1.0314% | 2,204 |
| Return on assets (ROA) | 1.0922% | 2,028 |
| Pretax return on assets | 1.5284% | 1,471 |
| Return on Equity (ROE) | 13.0056% | 1,060 |
| Retained earnings to average equity (ytd only) | 10.9445% | 352 |
| Net charge-offs to loans | 0.1477% | 1,887 |
| Credit loss provision to net charge-offs | 301.5267% | 980 |
| Earnings coverage of net charge-offs (x) | 15.7405% | 2,182 |
| Efficiency ratio | 59.9845% | 4,908 |
| Assets per employee ($millions) | 3.9487% | 4,031 |
| Cash dividends to net income (ytd only)* | 15.8479% | 3,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7344% | 1,278 |
| Loan loss allowance to noncurrent loans | 377.9564% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 3,742 |
| Noncurrent loans to loans | 0.4589% | 3,829 |
| Net loans and leases to total assets | 76.1830% | 1,382 |
| Net loans and leases to deposits | 85.1569% | 2,224 |
| Net loans and leases to core deposits | 99.0031% | 1,592 |
| Total domestic deposits to total assets | 89.4619% | 878 |
| Equity capital to assets | 8.2437% | 5,739 |
| Core capital (leverage) ratio | 8.4422% | 5,483 |
| Tier 1 risk-based capital ratio | 10.8518% | 5,598 |
| Total risk-based capital ratio | 12.1088% | 5,503 |
| Memoranda: | ||
| Average total assets | $231,091,400 | 2,653 |
| Average earning assets | $214,150,000 | 2,644 |
| Average equity | $19,407,000 | 3,230 |
| Average total loans | $177,341,600 | 2,268 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 951 |
| Cost of funding earning assets | 0.5778% | 1,563 |
| Net interest margin | 4.2165% | 1,132 |
| Noninterest income to average assets | 0.5751% | 2,877 |
| Noninterest expense to average assets | 2.5605% | 4,015 |
| Loan and lease loss provision to assets | 0.3496% | 383 |
| Net operating income to assets | 1.1329% | 1,886 |
| Return on assets (ROA) | 1.2152% | 1,666 |
| Pretax return on assets | 1.7043% | 1,091 |
| Return on Equity (ROE) | 14.3994% | 826 |
| Retained earnings to average equity (ytd only) | 13.1850% | 268 |
| Net charge-offs to loans | 0.1400% | 1,724 |
| Credit loss provision to net charge-offs | 326.2295% | 897 |
| Earnings coverage of net charge-offs (x) | 18.0823% | 2,021 |
| Efficiency ratio | 56.9197% | 5,236 |
| Assets per employee ($millions) | 3.8922% | 4,096 |
| Cash dividends to net income (ytd only)* | 8.4338% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7619% | 1,339 |
| Loan loss allowance to noncurrent loans | 430.0406% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 4,089 |
| Noncurrent loans to loans | 0.4097% | 4,139 |
| Net loans and leases to total assets | 73.4281% | 1,834 |
| Net loans and leases to deposits | 81.9631% | 2,650 |
| Net loans and leases to core deposits | 95.3959% | 1,938 |
| Total domestic deposits to total assets | 89.5868% | 735 |
| Equity capital to assets | 8.3848% | 5,775 |
| Core capital (leverage) ratio | 8.4936% | 5,554 |
| Tier 1 risk-based capital ratio | 10.9067% | 5,702 |
| Total risk-based capital ratio | 12.1633% | 5,619 |
| Memoranda: | ||
| Average total assets | $227,660,000 | 2,702 |
| Average earning assets | $211,831,750 | 2,677 |
| Average equity | $19,213,250 | 3,280 |
| Average total loans | $174,226,750 | 2,320 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 954 |
| Cost of funding earning assets | 0.5840% | 1,534 |
| Net interest margin | 4.1834% | 1,140 |
| Noninterest income to average assets | 0.5809% | 2,848 |
| Noninterest expense to average assets | 2.5208% | 4,174 |
| Loan and lease loss provision to assets | 0.3003% | 513 |
| Net operating income to assets | 1.1704% | 1,701 |
| Return on assets (ROA) | 1.2909% | 1,409 |
| Pretax return on assets | 1.8359% | 837 |
| Return on Equity (ROE) | 15.2599% | 702 |
| Retained earnings to average equity (ytd only) | 15.2599% | 179 |
| Net charge-offs to loans | 0.0511% | 2,689 |
| Credit loss provision to net charge-offs | 761.3636% | 449 |
| Earnings coverage of net charge-offs (x) | 49.7955% | 961 |
| Efficiency ratio | 56.2063% | 5,409 |
| Assets per employee ($millions) | 3.8170% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 1,591 |
| Loan loss allowance to noncurrent loans | 491.1576% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 4,634 |
| Noncurrent loans to loans | 0.3468% | 4,451 |
| Net loans and leases to total assets | 76.9852% | 1,221 |
| Net loans and leases to deposits | 85.3196% | 2,131 |
| Net loans and leases to core deposits | 98.5980% | 1,604 |
| Total domestic deposits to total assets | 90.2315% | 565 |
| Equity capital to assets | 8.5014% | 5,685 |
| Core capital (leverage) ratio | 8.4164% | 5,612 |
| Tier 1 risk-based capital ratio | 10.7523% | 5,822 |
| Total risk-based capital ratio | 12.0093% | 5,760 |
| Memoranda: | ||
| Average total assets | $223,107,000 | 2,763 |
| Average earning assets | $208,204,000 | 2,732 |
| Average equity | $18,873,000 | 3,331 |
| Average total loans | $172,177,670 | 2,348 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 1,023 |
| Cost of funding earning assets | 0.5839% | 1,552 |
| Net interest margin | 4.1225% | 1,222 |
| Noninterest income to average assets | 0.5651% | 2,860 |
| Noninterest expense to average assets | 2.5619% | 4,056 |
| Loan and lease loss provision to assets | 0.2834% | 528 |
| Net operating income to assets | 1.0989% | 1,875 |
| Return on assets (ROA) | 1.3355% | 1,241 |
| Pretax return on assets | 1.9060% | 709 |
| Return on Equity (ROE) | 15.8282% | 590 |
| Retained earnings to average equity (ytd only) | 15.8282% | 228 |
| Net charge-offs to loans | 0.1091% | 1,652 |
| Credit loss provision to net charge-offs | 339.1304% | 744 |
| Earnings coverage of net charge-offs (x) | 22.1522% | 1,358 |
| Efficiency ratio | 58.0486% | 5,330 |
| Assets per employee ($millions) | 3.8284% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6664% | 1,828 |
| Loan loss allowance to noncurrent loans | 487.9457% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 4,308 |
| Noncurrent loans to loans | 0.3415% | 4,563 |
| Net loans and leases to total assets | 75.0828% | 1,337 |
| Net loans and leases to deposits | 82.9469% | 2,213 |
| Net loans and leases to core deposits | 95.0964% | 1,688 |
| Total domestic deposits to total assets | 90.5191% | 522 |
| Equity capital to assets | 8.3564% | 5,834 |
| Core capital (leverage) ratio | 8.2673% | 5,766 |
| Tier 1 risk-based capital ratio | 11.1868% | 5,720 |
| Total risk-based capital ratio | 12.4370% | 5,633 |
| Memoranda: | ||
| Average total assets | $220,150,000 | 2,806 |
| Average earning assets | $205,508,000 | 2,778 |
| Average equity | $18,574,500 | 3,375 |
| Average total loans | $168,582,500 | 2,384 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5385% | 1,734 |
| Cost of funding earning assets | 0.6463% | 1,431 |
| Net interest margin | 3.8922% | 2,270 |
| Noninterest income to average assets | 0.7620% | 2,025 |
| Noninterest expense to average assets | 2.6743% | 3,964 |
| Loan and lease loss provision to assets | 0.3381% | 574 |
| Net operating income to assets | 0.9778% | 2,492 |
| Return on assets (ROA) | 0.9778% | 2,566 |
| Pretax return on assets | 1.3734% | 1,988 |
| Return on Equity (ROE) | 11.5097% | 1,553 |
| Retained earnings to average equity (ytd only) | 9.5198% | 598 |
| Net charge-offs to loans | 0.3277% | 1,346 |
| Credit loss provision to net charge-offs | 140.4858% | 1,688 |
| Earnings coverage of net charge-offs (x) | 7.1113% | 3,085 |
| Efficiency ratio | 60.9753% | 5,074 |
| Assets per employee ($millions) | 3.4585% | 4,965 |
| Cash dividends to net income (ytd only)* | 17.2895% | 3,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 1,827 |
| Loan loss allowance to noncurrent loans | 525.4753% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 4,343 |
| Noncurrent loans to loans | 0.3194% | 4,697 |
| Net loans and leases to total assets | 75.5200% | 1,341 |
| Net loans and leases to deposits | 83.1731% | 2,316 |
| Net loans and leases to core deposits | 95.1132% | 1,800 |
| Total domestic deposits to total assets | 90.7986% | 428 |
| Equity capital to assets | 8.5224% | 5,734 |
| Core capital (leverage) ratio | 8.4515% | 5,606 |
| Tier 1 risk-based capital ratio | 11.2405% | 5,799 |
| Total risk-based capital ratio | 12.4950% | 5,725 |
| Memoranda: | ||
| Average total assets | $205,252,800 | 2,930 |
| Average earning assets | $191,098,600 | 2,895 |
| Average equity | $17,437,400 | 3,463 |
| Average total loans | $150,766,400 | 2,558 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6603% | 1,406 |
| Cost of funding earning assets | 0.6496% | 1,460 |
| Net interest margin | 4.0107% | 1,848 |
| Noninterest income to average assets | 0.6182% | 2,760 |
| Noninterest expense to average assets | 2.6474% | 4,023 |
| Loan and lease loss provision to assets | 0.3074% | 629 |
| Net operating income to assets | 1.0104% | 2,410 |
| Return on assets (ROA) | 1.0104% | 2,466 |
| Pretax return on assets | 1.3947% | 2,034 |
| Return on Equity (ROE) | 11.9027% | 1,503 |
| Retained earnings to average equity (ytd only) | 10.7650% | 551 |
| Net charge-offs to loans | 0.4336% | 914 |
| Credit loss provision to net charge-offs | 97.7035% | 2,283 |
| Earnings coverage of net charge-offs (x) | 5.4092% | 3,266 |
| Efficiency ratio | 60.8669% | 5,061 |
| Assets per employee ($millions) | 3.4337% | 4,991 |
| Cash dividends to net income (ytd only)* | 9.5581% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 2,272 |
| Loan loss allowance to noncurrent loans | 340.4000% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 4,172 |
| Noncurrent loans to loans | 0.4730% | 4,487 |
| Net loans and leases to total assets | 74.4881% | 1,444 |
| Net loans and leases to deposits | 82.1650% | 2,403 |
| Net loans and leases to core deposits | 91.7867% | 2,053 |
| Total domestic deposits to total assets | 90.6567% | 469 |
| Equity capital to assets | 8.5579% | 5,755 |
| Core capital (leverage) ratio | 8.4473% | 5,711 |
| Tier 1 risk-based capital ratio | 11.4671% | 5,801 |
| Total risk-based capital ratio | 12.7229% | 5,734 |
| Memoranda: | ||
| Average total assets | $202,960,000 | 2,979 |
| Average earning assets | $188,825,000 | 2,948 |
| Average equity | $17,228,250 | 3,510 |
| Average total loans | $147,283,750 | 2,624 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6304% | 1,449 |
| Cost of funding earning assets | 0.6577% | 1,452 |
| Net interest margin | 3.9727% | 1,897 |
| Noninterest income to average assets | 0.6225% | 2,696 |
| Noninterest expense to average assets | 2.7102% | 3,821 |
| Loan and lease loss provision to assets | 0.2709% | 765 |
| Net operating income to assets | 0.9891% | 2,366 |
| Return on assets (ROA) | 0.9891% | 2,447 |
| Pretax return on assets | 1.3357% | 2,131 |
| Return on Equity (ROE) | 11.6851% | 1,526 |
| Retained earnings to average equity (ytd only) | 11.6616% | 460 |
| Net charge-offs to loans | 0.4766% | 843 |
| Credit loss provision to net charge-offs | 79.5322% | 2,339 |
| Earnings coverage of net charge-offs (x) | 4.7164% | 3,055 |
| Efficiency ratio | 62.7826% | 4,893 |
| Assets per employee ($millions) | 3.3444% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.2014% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 2,195 |
| Loan loss allowance to noncurrent loans | 198.8836% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 4,056 |
| Noncurrent loans to loans | 0.8435% | 3,599 |
| Net loans and leases to total assets | 71.6493% | 1,804 |
| Net loans and leases to deposits | 78.9964% | 2,658 |
| Net loans and leases to core deposits | 86.8179% | 2,436 |
| Total domestic deposits to total assets | 90.6994% | 507 |
| Equity capital to assets | 8.5702% | 5,744 |
| Core capital (leverage) ratio | 8.2596% | 5,880 |
| Tier 1 risk-based capital ratio | 11.7187% | 5,684 |
| Total risk-based capital ratio | 12.9460% | 5,642 |
| Memoranda: | ||
| Average total assets | $200,795,000 | 3,028 |
| Average earning assets | $186,724,330 | 2,992 |
| Average equity | $16,996,000 | 3,544 |
| Average total loans | $143,521,000 | 2,678 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 1,806 |
| Cost of funding earning assets | 0.6653% | 1,474 |
| Net interest margin | 3.8365% | 2,318 |
| Noninterest income to average assets | 0.5844% | 2,833 |
| Noninterest expense to average assets | 2.7030% | 3,923 |
| Loan and lease loss provision to assets | 0.2731% | 760 |
| Net operating income to assets | 0.8916% | 2,692 |
| Return on assets (ROA) | 0.8916% | 2,760 |
| Pretax return on assets | 1.1748% | 2,590 |
| Return on Equity (ROE) | 10.6017% | 1,822 |
| Retained earnings to average equity (ytd only) | 10.6017% | 816 |
| Net charge-offs to loans | 0.0284% | 3,011 |
| Credit loss provision to net charge-offs | 1,360.0000% | 247 |
| Earnings coverage of net charge-offs (x) | 72.1000% | 580 |
| Efficiency ratio | 65.1185% | 4,669 |
| Assets per employee ($millions) | 3.2619% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9280% | 1,678 |
| Loan loss allowance to noncurrent loans | 182.1259% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.7187% | 3,966 |
| Noncurrent loans to loans | 1.0586% | 3,306 |
| Net loans and leases to total assets | 66.5854% | 2,469 |
| Net loans and leases to deposits | 73.1379% | 3,183 |
| Net loans and leases to core deposits | 80.0385% | 2,959 |
| Total domestic deposits to total assets | 91.0409% | 555 |
| Equity capital to assets | 8.2545% | 5,862 |
| Core capital (leverage) ratio | 8.0809% | 6,059 |
| Tier 1 risk-based capital ratio | 11.7344% | 5,795 |
| Total risk-based capital ratio | 12.9932% | 5,729 |
| Memoranda: | ||
| Average total assets | $199,188,000 | 3,062 |
| Average earning assets | $185,168,500 | 3,031 |
| Average equity | $16,752,000 | 3,584 |
| Average total loans | $140,949,000 | 2,723 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 1,448 |
| Cost of funding earning assets | 0.7420% | 1,551 |
| Net interest margin | 4.0063% | 1,930 |
| Noninterest income to average assets | 0.6607% | 2,754 |
| Noninterest expense to average assets | 2.8008% | 3,720 |
| Loan and lease loss provision to assets | 0.3422% | 932 |
| Net operating income to assets | 0.9057% | 2,752 |
| Return on assets (ROA) | 0.9057% | 2,835 |
| Pretax return on assets | 1.2074% | 2,543 |
| Return on Equity (ROE) | 10.4511% | 1,936 |
| Retained earnings to average equity (ytd only) | 9.7348% | 611 |
| Net charge-offs to loans | 0.0612% | 4,354 |
| Credit loss provision to net charge-offs | 792.5000% | 314 |
| Earnings coverage of net charge-offs (x) | 35.8875% | 1,039 |
| Efficiency ratio | 64.3797% | 4,837 |
| Assets per employee ($millions) | 3.3838% | 5,129 |
| Cash dividends to net income (ytd only)* | 6.8534% | 4,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8009% | 2,066 |
| Loan loss allowance to noncurrent loans | 162.3813% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 3,842 |
| Noncurrent loans to loans | 1.1090% | 3,319 |
| Net loans and leases to total assets | 72.4875% | 1,599 |
| Net loans and leases to deposits | 79.9514% | 2,464 |
| Net loans and leases to core deposits | 88.2038% | 2,228 |
| Total domestic deposits to total assets | 90.6645% | 723 |
| Equity capital to assets | 8.5760% | 5,497 |
| Core capital (leverage) ratio | 8.4160% | 5,757 |
| Tier 1 risk-based capital ratio | 11.8924% | 5,684 |
| Total risk-based capital ratio | 13.1505% | 5,614 |
| Memoranda: | ||
| Average total assets | $185,269,400 | 3,219 |
| Average earning assets | $170,630,600 | 3,210 |
| Average equity | $16,055,800 | 3,692 |
| Average total loans | $130,717,200 | 2,847 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7205% | 1,546 |
| Cost of funding earning assets | 0.7476% | 1,621 |
| Net interest margin | 3.9730% | 2,032 |
| Noninterest income to average assets | 0.7206% | 2,506 |
| Noninterest expense to average assets | 2.8299% | 3,559 |
| Loan and lease loss provision to assets | 0.2967% | 1,150 |
| Net operating income to assets | 0.9365% | 2,653 |
| Return on assets (ROA) | 0.9365% | 2,768 |
| Pretax return on assets | 1.2419% | 2,540 |
| Return on Equity (ROE) | 10.7772% | 1,891 |
| Retained earnings to average equity (ytd only) | 9.8149% | 827 |
| Net charge-offs to loans | 0.0449% | 4,265 |
| Credit loss provision to net charge-offs | 948.8372% | 325 |
| Earnings coverage of net charge-offs (x) | 49.2109% | 873 |
| Efficiency ratio | 64.7803% | 4,682 |
| Assets per employee ($millions) | 3.3457% | 5,194 |
| Cash dividends to net income (ytd only)* | 8.9286% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 2,571 |
| Loan loss allowance to noncurrent loans | 133.7275% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.9313% | 3,808 |
| Noncurrent loans to loans | 1.2844% | 3,261 |
| Net loans and leases to total assets | 71.2617% | 1,735 |
| Net loans and leases to deposits | 78.5062% | 2,585 |
| Net loans and leases to core deposits | 85.5717% | 2,460 |
| Total domestic deposits to total assets | 90.7721% | 627 |
| Equity capital to assets | 8.4503% | 5,788 |
| Core capital (leverage) ratio | 8.3553% | 5,912 |
| Tier 1 risk-based capital ratio | 11.2120% | 6,182 |
| Total risk-based capital ratio | 12.4676% | 6,148 |
| Memoranda: | ||
| Average total assets | $183,367,750 | 3,267 |
| Average earning assets | $168,367,000 | 3,263 |
| Average equity | $15,934,500 | 3,754 |
| Average total loans | $127,802,750 | 2,914 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7057% | 1,553 |
| Cost of funding earning assets | 0.7684% | 1,597 |
| Net interest margin | 3.9373% | 2,085 |
| Noninterest income to average assets | 0.8059% | 2,162 |
| Noninterest expense to average assets | 2.9350% | 3,220 |
| Loan and lease loss provision to assets | 0.3007% | 1,200 |
| Net operating income to assets | 0.9153% | 2,718 |
| Return on assets (ROA) | 0.9153% | 2,859 |
| Pretax return on assets | 1.1784% | 2,769 |
| Return on Equity (ROE) | 10.4319% | 2,032 |
| Retained earnings to average equity (ytd only) | 10.4319% | 758 |
| Net charge-offs to loans | 0.0193% | 4,460 |
| Credit loss provision to net charge-offs | 2,266.6667% | 148 |
| Earnings coverage of net charge-offs (x) | 111.5000% | 429 |
| Efficiency ratio | 66.4914% | 4,451 |
| Assets per employee ($millions) | 3.2021% | 5,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 2,510 |
| Loan loss allowance to noncurrent loans | 136.6647% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.9101% | 3,967 |
| Noncurrent loans to loans | 1.2988% | 3,382 |
| Net loans and leases to total assets | 68.8270% | 2,088 |
| Net loans and leases to deposits | 76.0676% | 2,866 |
| Net loans and leases to core deposits | 80.0322% | 3,018 |
| Total domestic deposits to total assets | 90.4814% | 768 |
| Equity capital to assets | 8.8063% | 5,438 |
| Core capital (leverage) ratio | 8.1237% | 6,082 |
| Tier 1 risk-based capital ratio | 11.6396% | 6,037 |
| Total risk-based capital ratio | 12.8955% | 5,985 |
| Memoranda: | ||
| Average total assets | $180,922,330 | 3,300 |
| Average earning assets | $165,798,330 | 3,317 |
| Average equity | $15,874,330 | 3,788 |
| Average total loans | $124,312,330 | 2,983 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 1,651 |
| Cost of funding earning assets | 0.7984% | 1,536 |
| Net interest margin | 3.8618% | 2,242 |
| Noninterest income to average assets | 0.6373% | 2,948 |
| Noninterest expense to average assets | 2.7847% | 3,750 |
| Loan and lease loss provision to assets | 0.2887% | 1,215 |
| Net operating income to assets | 0.9038% | 2,639 |
| Return on assets (ROA) | 0.9038% | 2,783 |
| Pretax return on assets | 1.1192% | 2,886 |
| Return on Equity (ROE) | 10.3201% | 1,948 |
| Retained earnings to average equity (ytd only) | 10.3201% | 1,029 |
| Net charge-offs to loans | 0.0033% | 4,103 |
| Credit loss provision to net charge-offs | 13,000.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 634.0000% | 53 |
| Efficiency ratio | 66.4195% | 4,588 |
| Assets per employee ($millions) | 3.4661% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 2,922 |
| Loan loss allowance to noncurrent loans | 122.8604% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.9477% | 4,030 |
| Noncurrent loans to loans | 1.4010% | 3,468 |
| Net loans and leases to total assets | 66.4821% | 2,285 |
| Net loans and leases to deposits | 73.3389% | 3,007 |
| Net loans and leases to core deposits | 77.2255% | 3,170 |
| Total domestic deposits to total assets | 90.6506% | 694 |
| Equity capital to assets | 8.6619% | 5,851 |
| Core capital (leverage) ratio | 7.9022% | 6,215 |
| Tier 1 risk-based capital ratio | 11.9750% | 5,932 |
| Total risk-based capital ratio | 13.2315% | 5,890 |
| Memoranda: | ||
| Average total assets | $180,125,000 | 3,343 |
| Average earning assets | $165,828,500 | 3,349 |
| Average equity | $15,775,000 | 3,851 |
| Average total loans | $122,523,000 | 3,037 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 1,699 |
| Cost of funding earning assets | 1.0561% | 1,093 |
| Net interest margin | 3.8896% | 2,874 |
| Noninterest income to average assets | 0.7090% | 2,679 |
| Noninterest expense to average assets | 2.8169% | 3,961 |
| Loan and lease loss provision to assets | 0.4047% | 1,603 |
| Net operating income to assets | 0.8397% | 3,097 |
| Return on assets (ROA) | 0.8397% | 3,350 |
| Pretax return on assets | 1.0717% | 3,270 |
| Return on Equity (ROE) | 9.6708% | 2,327 |
| Retained earnings to average equity (ytd only) | 7.7769% | 1,200 |
| Net charge-offs to loans | 0.2620% | 3,370 |
| Credit loss provision to net charge-offs | 229.8013% | 1,075 |
| Earnings coverage of net charge-offs (x) | 8.3841% | 2,424 |
| Efficiency ratio | 65.6118% | 4,578 |
| Assets per employee ($millions) | 3.5310% | 4,953 |
| Cash dividends to net income (ytd only)* | 19.5833% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6642% | 3,071 |
| Loan loss allowance to noncurrent loans | 122.4117% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9301% | 4,178 |
| Noncurrent loans to loans | 1.3595% | 3,562 |
| Net loans and leases to total assets | 67.2724% | 2,324 |
| Net loans and leases to deposits | 74.3718% | 3,042 |
| Net loans and leases to core deposits | 79.9849% | 3,002 |
| Total domestic deposits to total assets | 90.4542% | 725 |
| Equity capital to assets | 8.8576% | 5,677 |
| Core capital (leverage) ratio | 8.3055% | 5,882 |
| Tier 1 risk-based capital ratio | 11.6542% | 5,992 |
| Total risk-based capital ratio | 12.9087% | 5,951 |
| Memoranda: | ||
| Average total assets | $171,499,000 | 3,432 |
| Average earning assets | $158,038,200 | 3,402 |
| Average equity | $14,890,200 | 3,985 |
| Average total loans | $115,276,000 | 3,181 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9669% | 1,782 |
| Cost of funding earning assets | 1.1059% | 1,038 |
| Net interest margin | 3.8610% | 3,069 |
| Noninterest income to average assets | 0.7229% | 2,606 |
| Noninterest expense to average assets | 2.8117% | 3,948 |
| Loan and lease loss provision to assets | 0.3446% | 1,900 |
| Net operating income to assets | 0.8780% | 3,090 |
| Return on assets (ROA) | 0.8780% | 3,332 |
| Pretax return on assets | 1.1239% | 3,257 |
| Return on Equity (ROE) | 10.1653% | 2,271 |
| Retained earnings to average equity (ytd only) | 9.2403% | 1,144 |
| Net charge-offs to loans | 0.2505% | 3,217 |
| Credit loss provision to net charge-offs | 205.6075% | 1,346 |
| Earnings coverage of net charge-offs (x) | 8.7616% | 2,400 |
| Efficiency ratio | 65.6908% | 4,504 |
| Assets per employee ($millions) | 3.4590% | 5,066 |
| Cash dividends to net income (ytd only)* | 9.0992% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 3,755 |
| Loan loss allowance to noncurrent loans | 166.7269% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 5,003 |
| Noncurrent loans to loans | 0.9259% | 4,580 |
| Net loans and leases to total assets | 67.9981% | 2,297 |
| Net loans and leases to deposits | 75.2797% | 3,097 |
| Net loans and leases to core deposits | 82.2771% | 2,930 |
| Total domestic deposits to total assets | 90.3272% | 666 |
| Equity capital to assets | 8.8963% | 5,924 |
| Core capital (leverage) ratio | 8.2960% | 6,018 |
| Tier 1 risk-based capital ratio | 11.5600% | 6,195 |
| Total risk-based capital ratio | 12.8135% | 6,167 |
| Memoranda: | ||
| Average total assets | $170,236,750 | 3,482 |
| Average earning assets | $156,846,500 | 3,469 |
| Average equity | $14,703,250 | 4,061 |
| Average total loans | $113,900,500 | 3,240 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 1,885 |
| Cost of funding earning assets | 1.1690% | 951 |
| Net interest margin | 3.7963% | 3,383 |
| Noninterest income to average assets | 0.7429% | 2,455 |
| Noninterest expense to average assets | 2.8795% | 3,704 |
| Loan and lease loss provision to assets | 0.3213% | 2,054 |
| Net operating income to assets | 0.8185% | 3,308 |
| Return on assets (ROA) | 0.8185% | 3,568 |
| Pretax return on assets | 1.0287% | 3,603 |
| Return on Equity (ROE) | 9.5747% | 2,543 |
| Retained earnings to average equity (ytd only) | 8.2760% | 1,536 |
| Net charge-offs to loans | 0.3356% | 2,678 |
| Credit loss provision to net charge-offs | 144.6809% | 1,917 |
| Earnings coverage of net charge-offs (x) | 6.0798% | 2,706 |
| Efficiency ratio | 68.0815% | 4,101 |
| Assets per employee ($millions) | 3.8842% | 4,110 |
| Cash dividends to net income (ytd only)* | 13.5642% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 4,203 |
| Loan loss allowance to noncurrent loans | 221.0390% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 5,554 |
| Noncurrent loans to loans | 0.6609% | 5,183 |
| Net loans and leases to total assets | 67.1765% | 2,435 |
| Net loans and leases to deposits | 74.1845% | 3,261 |
| Net loans and leases to core deposits | 80.5523% | 3,140 |
| Total domestic deposits to total assets | 90.5532% | 635 |
| Equity capital to assets | 8.6890% | 6,037 |
| Core capital (leverage) ratio | 8.0719% | 6,190 |
| Tier 1 risk-based capital ratio | 11.5155% | 6,205 |
| Total risk-based capital ratio | 12.7679% | 6,183 |
| Memoranda: | ||
| Average total assets | $169,332,670 | 3,509 |
| Average earning assets | $155,518,330 | 3,502 |
| Average equity | $14,475,670 | 4,099 |
| Average total loans | $112,052,000 | 3,289 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9761% | 1,972 |
| Cost of funding earning assets | 1.2202% | 894 |
| Net interest margin | 3.7560% | 3,578 |
| Noninterest income to average assets | 0.6455% | 2,955 |
| Noninterest expense to average assets | 2.8740% | 3,727 |
| Loan and lease loss provision to assets | 0.3228% | 1,947 |
| Net operating income to assets | 0.7428% | 3,663 |
| Return on assets (ROA) | 0.7428% | 3,898 |
| Pretax return on assets | 0.9042% | 4,014 |
| Return on Equity (ROE) | 8.7623% | 2,928 |
| Retained earnings to average equity (ytd only) | 8.7623% | 1,678 |
| Net charge-offs to loans | 0.6483% | 1,508 |
| Credit loss provision to net charge-offs | 76.4045% | 2,795 |
| Earnings coverage of net charge-offs (x) | 2.9045% | 3,021 |
| Efficiency ratio | 70.0810% | 3,791 |
| Assets per employee ($millions) | 3.6241% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 4,494 |
| Loan loss allowance to noncurrent loans | 163.1470% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5950% | 5,404 |
| Noncurrent loans to loans | 0.8734% | 4,925 |
| Net loans and leases to total assets | 62.6730% | 3,130 |
| Net loans and leases to deposits | 68.9964% | 3,875 |
| Net loans and leases to core deposits | 75.6213% | 3,670 |
| Total domestic deposits to total assets | 90.8351% | 624 |
| Equity capital to assets | 8.3032% | 6,270 |
| Core capital (leverage) ratio | 8.0008% | 6,263 |
| Tier 1 risk-based capital ratio | 11.8065% | 6,081 |
| Total risk-based capital ratio | 13.0317% | 6,081 |
| Memoranda: | ||
| Average total assets | $168,546,500 | 3,542 |
| Average earning assets | $155,060,500 | 3,531 |
| Average equity | $14,288,500 | 4,138 |
| Average total loans | $109,823,000 | 3,356 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2365% | 1,924 |
| Cost of funding earning assets | 1.4769% | 783 |
| Net interest margin | 3.7596% | 4,032 |
| Noninterest income to average assets | 0.7909% | 2,112 |
| Noninterest expense to average assets | 2.8746% | 4,066 |
| Loan and lease loss provision to assets | 0.5170% | 2,035 |
| Net operating income to assets | 0.6861% | 3,549 |
| Return on assets (ROA) | 0.7029% | 3,666 |
| Pretax return on assets | 0.8326% | 3,856 |
| Return on Equity (ROE) | 8.5919% | 2,635 |
| Retained earnings to average equity (ytd only) | 8.3861% | 959 |
| Net charge-offs to loans | 0.2418% | 4,267 |
| Credit loss provision to net charge-offs | 330.2789% | 708 |
| Earnings coverage of net charge-offs (x) | 8.4940% | 2,138 |
| Efficiency ratio | 68.3726% | 4,281 |
| Assets per employee ($millions) | 3.3987% | 5,250 |
| Cash dividends to net income (ytd only)* | 2.3957% | 4,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 4,093 |
| Loan loss allowance to noncurrent loans | 95.7963% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.0887% | 4,440 |
| Noncurrent loans to loans | 1.5489% | 3,835 |
| Net loans and leases to total assets | 65.8518% | 2,815 |
| Net loans and leases to deposits | 72.8192% | 3,693 |
| Net loans and leases to core deposits | 80.4819% | 3,388 |
| Total domestic deposits to total assets | 90.4319% | 751 |
| Equity capital to assets | 8.6633% | 5,943 |
| Core capital (leverage) ratio | 8.1813% | 6,033 |
| Tier 1 risk-based capital ratio | 11.6405% | 6,064 |
| Total risk-based capital ratio | 12.8925% | 6,051 |
| Memoranda: | ||
| Average total assets | $160,332,800 | 3,628 |
| Average earning assets | $145,575,600 | 3,645 |
| Average equity | $13,117,000 | 4,319 |
| Average total loans | $103,821,800 | 3,525 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2600% | 1,991 |
| Cost of funding earning assets | 1.5221% | 792 |
| Net interest margin | 3.7379% | 4,171 |
| Noninterest income to average assets | 0.8060% | 2,029 |
| Noninterest expense to average assets | 2.9024% | 3,924 |
| Loan and lease loss provision to assets | 0.3491% | 2,779 |
| Net operating income to assets | 0.7593% | 3,346 |
| Return on assets (ROA) | 0.7809% | 3,416 |
| Pretax return on assets | 0.9614% | 3,549 |
| Return on Equity (ROE) | 9.6917% | 2,314 |
| Retained earnings to average equity (ytd only) | 9.6917% | 930 |
| Net charge-offs to loans | 0.0611% | 5,357 |
| Credit loss provision to net charge-offs | 889.3617% | 311 |
| Earnings coverage of net charge-offs (x) | 32.6995% | 877 |
| Efficiency ratio | 69.3336% | 4,070 |
| Assets per employee ($millions) | 3.3964% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 4,880 |
| Loan loss allowance to noncurrent loans | 122.0588% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.8150% | 5,141 |
| Noncurrent loans to loans | 1.0886% | 4,735 |
| Net loans and leases to total assets | 65.6416% | 2,977 |
| Net loans and leases to deposits | 72.6580% | 3,861 |
| Net loans and leases to core deposits | 80.7290% | 3,526 |
| Total domestic deposits to total assets | 90.3432% | 698 |
| Equity capital to assets | 8.7133% | 6,069 |
| Core capital (leverage) ratio | 8.1327% | 6,246 |
| Tier 1 risk-based capital ratio | 11.9291% | 5,944 |
| Total risk-based capital ratio | 13.1685% | 5,929 |
| Memoranda: | ||
| Average total assets | $159,632,000 | 3,659 |
| Average earning assets | $144,356,250 | 3,690 |
| Average equity | $12,863,000 | 4,374 |
| Average total loans | $102,515,750 | 3,586 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2092% | 2,226 |
| Cost of funding earning assets | 1.5605% | 812 |
| Net interest margin | 3.6487% | 4,527 |
| Noninterest income to average assets | 0.8344% | 1,868 |
| Noninterest expense to average assets | 2.8979% | 4,031 |
| Loan and lease loss provision to assets | 0.2844% | 3,105 |
| Net operating income to assets | 0.7556% | 3,264 |
| Return on assets (ROA) | 0.7881% | 3,253 |
| Pretax return on assets | 0.9760% | 3,332 |
| Return on Equity (ROE) | 10.0525% | 2,099 |
| Retained earnings to average equity (ytd only) | 10.0525% | 830 |
| Net charge-offs to loans | -0.0039% | 6,564 |
| Credit loss provision to net charge-offs | -11,350.0000% | 6,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3681% | 4,041 |
| Assets per employee ($millions) | 3.5084% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 5,424 |
| Loan loss allowance to noncurrent loans | 124.4118% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 5,464 |
| Noncurrent loans to loans | 0.9873% | 5,013 |
| Net loans and leases to total assets | 64.6354% | 3,333 |
| Net loans and leases to deposits | 71.3686% | 4,221 |
| Net loans and leases to core deposits | 80.5877% | 3,707 |
| Total domestic deposits to total assets | 90.5655% | 691 |
| Equity capital to assets | 8.2355% | 6,485 |
| Core capital (leverage) ratio | 7.8928% | 6,419 |
| Tier 1 risk-based capital ratio | 11.7900% | 5,945 |
| Total risk-based capital ratio | 12.9782% | 5,990 |
| Memoranda: | ||
| Average total assets | $159,633,000 | 3,690 |
| Average earning assets | $143,667,670 | 3,730 |
| Average equity | $12,514,330 | 4,431 |
| Average total loans | $101,289,670 | 3,655 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2352% | 2,100 |
| Cost of funding earning assets | 1.5979% | 820 |
| Net interest margin | 3.6372% | 4,385 |
| Noninterest income to average assets | 0.7875% | 2,081 |
| Noninterest expense to average assets | 2.7637% | 4,588 |
| Loan and lease loss provision to assets | 0.2642% | 3,020 |
| Net operating income to assets | 0.8024% | 3,021 |
| Return on assets (ROA) | 0.8024% | 3,088 |
| Pretax return on assets | 1.0043% | 3,122 |
| Return on Equity (ROE) | 10.4967% | 1,911 |
| Retained earnings to average equity (ytd only) | 10.4967% | 994 |
| Net charge-offs to loans | -0.0479% | 6,869 |
| Credit loss provision to net charge-offs | -883.3333% | 6,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5414% | 4,552 |
| Assets per employee ($millions) | 3.6332% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 5,827 |
| Loan loss allowance to noncurrent loans | 95.7025% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.9603% | 4,979 |
| Noncurrent loans to loans | 1.2056% | 4,670 |
| Net loans and leases to total assets | 60.6787% | 4,136 |
| Net loans and leases to deposits | 67.0338% | 4,822 |
| Net loans and leases to core deposits | 76.8449% | 4,185 |
| Total domestic deposits to total assets | 90.5195% | 829 |
| Equity capital to assets | 7.6804% | 6,762 |
| Core capital (leverage) ratio | 7.7707% | 6,488 |
| Tier 1 risk-based capital ratio | 11.5308% | 6,076 |
| Total risk-based capital ratio | 12.6178% | 6,186 |
| Memoranda: | ||
| Average total assets | $160,510,500 | 3,699 |
| Average earning assets | $143,185,500 | 3,767 |
| Average equity | $12,270,500 | 4,493 |
| Average total loans | $100,277,500 | 3,710 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6625% | 1,707 |
| Cost of funding earning assets | 2.0692% | 472 |
| Net interest margin | 3.5934% | 4,854 |
| Noninterest income to average assets | 0.8768% | 1,940 |
| Noninterest expense to average assets | 3.0345% | 3,713 |
| Loan and lease loss provision to assets | 0.3823% | 3,822 |
| Net operating income to assets | 0.5067% | 4,065 |
| Return on assets (ROA) | 0.6252% | 3,724 |
| Pretax return on assets | 0.7354% | 3,846 |
| Return on Equity (ROE) | 7.7457% | 2,802 |
| Retained earnings to average equity (ytd only) | 7.7457% | 1,060 |
| Net charge-offs to loans | 0.7740% | 2,698 |
| Credit loss provision to net charge-offs | 76.8707% | 5,666 |
| Earnings coverage of net charge-offs (x) | 1.9673% | 4,258 |
| Efficiency ratio | 75.6196% | 3,107 |
| Assets per employee ($millions) | 3.4245% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 6,200 |
| Loan loss allowance to noncurrent loans | 99.7124% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.1858% | 4,640 |
| Noncurrent loans to loans | 1.0410% | 4,987 |
| Net loans and leases to total assets | 62.9422% | 4,083 |
| Net loans and leases to deposits | 69.7103% | 4,849 |
| Net loans and leases to core deposits | 81.2700% | 4,014 |
| Total domestic deposits to total assets | 90.2912% | 940 |
| Equity capital to assets | 7.6076% | 6,811 |
| Core capital (leverage) ratio | 8.0816% | 6,058 |
| Tier 1 risk-based capital ratio | 11.5000% | 5,915 |
| Total risk-based capital ratio | 12.4998% | 6,117 |
| Memoranda: | ||
| Average total assets | $147,802,000 | 3,914 |
| Average earning assets | $128,988,000 | 4,042 |
| Average equity | $11,929,200 | 4,631 |
| Average total loans | $94,957,200 | 3,926 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7023% | 1,709 |
| Cost of funding earning assets | 2.1137% | 517 |
| Net interest margin | 3.5886% | 4,928 |
| Noninterest income to average assets | 0.9199% | 1,725 |
| Noninterest expense to average assets | 3.0808% | 3,420 |
| Loan and lease loss provision to assets | 0.4485% | 3,227 |
| Net operating income to assets | 0.4926% | 4,346 |
| Return on assets (ROA) | 0.5677% | 4,186 |
| Pretax return on assets | 0.6273% | 4,500 |
| Return on Equity (ROE) | 6.9264% | 3,379 |
| Retained earnings to average equity (ytd only) | 6.9264% | 1,891 |
| Net charge-offs to loans | 1.0365% | 1,951 |
| Credit loss provision to net charge-offs | 67.1703% | 5,500 |
| Earnings coverage of net charge-offs (x) | 1.4863% | 4,615 |
| Efficiency ratio | 75.6361% | 3,013 |
| Assets per employee ($millions) | 3.3664% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 6,321 |
| Loan loss allowance to noncurrent loans | 90.4939% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.4937% | 4,212 |
| Noncurrent loans to loans | 1.1229% | 4,992 |
| Net loans and leases to total assets | 61.0818% | 4,698 |
| Net loans and leases to deposits | 67.9421% | 5,426 |
| Net loans and leases to core deposits | 80.1293% | 4,499 |
| Total domestic deposits to total assets | 89.9027% | 926 |
| Equity capital to assets | 7.9856% | 6,812 |
| Core capital (leverage) ratio | 8.0407% | 6,289 |
| Tier 1 risk-based capital ratio | 11.4106% | 6,011 |
| Total risk-based capital ratio | 12.3610% | 6,270 |
| Memoranda: | ||
| Average total assets | $145,370,750 | 4,017 |
| Average earning assets | $127,734,250 | 4,115 |
| Average equity | $11,915,500 | 4,704 |
| Average total loans | $93,648,750 | 4,030 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6752% | 1,854 |
| Cost of funding earning assets | 2.1290% | 600 |
| Net interest margin | 3.5462% | 5,065 |
| Noninterest income to average assets | 0.9127% | 1,648 |
| Noninterest expense to average assets | 3.1067% | 3,287 |
| Loan and lease loss provision to assets | 0.2349% | 4,567 |
| Net operating income to assets | 0.6343% | 3,713 |
| Return on assets (ROA) | 0.6343% | 3,850 |
| Pretax return on assets | 0.7383% | 4,114 |
| Return on Equity (ROE) | 7.6666% | 3,032 |
| Retained earnings to average equity (ytd only) | 7.6666% | 1,569 |
| Net charge-offs to loans | 0.4064% | 3,363 |
| Credit loss provision to net charge-offs | 88.3598% | 4,467 |
| Earnings coverage of net charge-offs (x) | 3.6614% | 3,222 |
| Efficiency ratio | 76.1462% | 3,051 |
| Assets per employee ($millions) | 3.3295% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 5,336 |
| Loan loss allowance to noncurrent loans | 69.1099% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 2.0116% | 3,489 |
| Noncurrent loans to loans | 1.7701% | 4,033 |
| Net loans and leases to total assets | 65.4785% | 3,943 |
| Net loans and leases to deposits | 73.8974% | 4,691 |
| Net loans and leases to core deposits | 87.3410% | 3,644 |
| Total domestic deposits to total assets | 88.6073% | 1,674 |
| Equity capital to assets | 8.2288% | 6,506 |
| Core capital (leverage) ratio | 8.0981% | 6,121 |
| Tier 1 risk-based capital ratio | 11.3935% | 5,869 |
| Total risk-based capital ratio | 12.5715% | 5,907 |
| Memoranda: | ||
| Average total assets | $142,210,000 | 4,091 |
| Average earning assets | $127,009,330 | 4,157 |
| Average equity | $11,765,330 | 4,740 |
| Average total loans | $93,012,330 | 4,080 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6792% | 1,857 |
| Cost of funding earning assets | 2.2114% | 568 |
| Net interest margin | 3.4678% | 5,295 |
| Noninterest income to average assets | 0.8996% | 1,623 |
| Noninterest expense to average assets | 3.0557% | 3,454 |
| Loan and lease loss provision to assets | 0.1885% | 4,614 |
| Net operating income to assets | 0.6340% | 3,737 |
| Return on assets (ROA) | 0.6340% | 3,859 |
| Pretax return on assets | 0.7454% | 4,077 |
| Return on Equity (ROE) | 7.6417% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.6417% | 1,861 |
| Net charge-offs to loans | -0.0440% | 7,312 |
| Credit loss provision to net charge-offs | -660.0000% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5927% | 3,121 |
| Assets per employee ($millions) | 3.3583% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 4,434 |
| Loan loss allowance to noncurrent loans | 49.5759% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 2.5899% | 2,817 |
| Noncurrent loans to loans | 2.8183% | 2,846 |
| Net loans and leases to total assets | 64.3438% | 4,253 |
| Net loans and leases to deposits | 73.0928% | 4,888 |
| Net loans and leases to core deposits | 85.6228% | 3,956 |
| Total domestic deposits to total assets | 88.0302% | 2,042 |
| Equity capital to assets | 8.3462% | 6,233 |
| Core capital (leverage) ratio | 8.0456% | 6,170 |
| Tier 1 risk-based capital ratio | 11.4744% | 5,699 |
| Total risk-based capital ratio | 12.7247% | 5,684 |
| Memoranda: | ||
| Average total assets | $140,066,500 | 4,192 |
| Average earning assets | $124,806,000 | 4,262 |
| Average equity | $11,620,500 | 4,811 |
| Average total loans | $90,962,500 | 4,183 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7582% | 2,829 |
| Cost of funding earning assets | 2.4032% | 1,290 |
| Net interest margin | 3.3549% | 5,545 |
| Noninterest income to average assets | 1.0316% | 1,462 |
| Noninterest expense to average assets | 3.2666% | 3,132 |
| Loan and lease loss provision to assets | 0.3765% | 4,529 |
| Net operating income to assets | 0.3839% | 4,187 |
| Return on assets (ROA) | 0.6050% | 3,381 |
| Pretax return on assets | 0.6868% | 3,616 |
| Return on Equity (ROE) | 7.4830% | 2,586 |
| Retained earnings to average equity (ytd only) | 7.4830% | 825 |
| Net charge-offs to loans | 0.1979% | 5,412 |
| Credit loss provision to net charge-offs | 292.0000% | 1,142 |
| Earnings coverage of net charge-offs (x) | 6.2971% | 2,394 |
| Efficiency ratio | 80.0903% | 2,879 |
| Assets per employee ($millions) | 3.3116% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 4,503 |
| Loan loss allowance to noncurrent loans | 56.5156% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 2.3086% | 2,993 |
| Noncurrent loans to loans | 2.3820% | 3,185 |
| Net loans and leases to total assets | 63.7548% | 4,644 |
| Net loans and leases to deposits | 73.9295% | 5,050 |
| Net loans and leases to core deposits | 90.7030% | 5,051 |
| Total domestic deposits to total assets | 86.2373% | 2,895 |
| Equity capital to assets | 8.2460% | 6,280 |
| Core capital (leverage) ratio | 8.1850% | 5,841 |
| Tier 1 risk-based capital ratio | 11.4474% | 5,459 |
| Total risk-based capital ratio | 12.7022% | 5,412 |
| Memoranda: | ||
| Average total assets | $135,707,400 | 4,223 |
| Average earning assets | $123,250,800 | 4,237 |
| Average equity | $10,971,600 | 5,031 |
| Average total loans | $88,439,200 | 4,254 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7470% | 3,111 |
| Cost of funding earning assets | 2.4341% | 1,512 |
| Net interest margin | 3.3129% | 5,594 |
| Noninterest income to average assets | 1.0786% | 1,362 |
| Noninterest expense to average assets | 3.3050% | 2,902 |
| Loan and lease loss provision to assets | 0.2462% | 4,986 |
| Net operating income to assets | 0.4829% | 4,063 |
| Return on assets (ROA) | 0.6050% | 3,639 |
| Pretax return on assets | 0.6940% | 3,879 |
| Return on Equity (ROE) | 7.5225% | 2,855 |
| Retained earnings to average equity (ytd only) | 7.5225% | 1,307 |
| Net charge-offs to loans | -0.1877% | 7,970 |
| Credit loss provision to net charge-offs | -200.8065% | 7,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5154% | 2,773 |
| Assets per employee ($millions) | 3.5009% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 4,210 |
| Loan loss allowance to noncurrent loans | 34.6389% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 3.1602% | 2,155 |
| Noncurrent loans to loans | 3.8946% | 1,894 |
| Net loans and leases to total assets | 63.5293% | 4,967 |
| Net loans and leases to deposits | 73.1799% | 5,486 |
| Net loans and leases to core deposits | 88.3973% | 5,605 |
| Total domestic deposits to total assets | 86.8125% | 2,278 |
| Equity capital to assets | 7.8691% | 6,971 |
| Core capital (leverage) ratio | 8.0105% | 6,338 |
| Tier 1 risk-based capital ratio | 11.3152% | 5,623 |
| Total risk-based capital ratio | 12.5658% | 5,569 |
| Memoranda: | ||
| Average total assets | $134,862,750 | 4,257 |
| Average earning assets | $123,192,250 | 4,267 |
| Average equity | $10,847,250 | 5,099 |
| Average total loans | $88,078,000 | 4,305 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7881% | 3,105 |
| Cost of funding earning assets | 2.5197% | 1,544 |
| Net interest margin | 3.2684% | 5,670 |
| Noninterest income to average assets | 1.0805% | 1,366 |
| Noninterest expense to average assets | 3.4326% | 2,530 |
| Loan and lease loss provision to assets | 0.2849% | 4,298 |
| Net operating income to assets | 0.3219% | 4,802 |
| Return on assets (ROA) | 0.5319% | 4,084 |
| Pretax return on assets | 0.5729% | 4,393 |
| Return on Equity (ROE) | 6.5620% | 3,406 |
| Retained earnings to average equity (ytd only) | 6.5620% | 1,763 |
| Net charge-offs to loans | -0.3879% | 8,088 |
| Credit loss provision to net charge-offs | -111.9048% | 6,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4519% | 2,425 |
| Assets per employee ($millions) | 3.2502% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 3,744 |
| Loan loss allowance to noncurrent loans | 36.5933% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 3.1588% | 1,988 |
| Noncurrent loans to loans | 3.8142% | 1,794 |
| Net loans and leases to total assets | 63.7076% | 5,042 |
| Net loans and leases to deposits | 73.8722% | 5,471 |
| Net loans and leases to core deposits | 89.7806% | 5,555 |
| Total domestic deposits to total assets | 86.2404% | 2,655 |
| Equity capital to assets | 7.9592% | 6,802 |
| Core capital (leverage) ratio | 8.0092% | 6,313 |
| Tier 1 risk-based capital ratio | 11.3362% | 5,562 |
| Total risk-based capital ratio | 12.5717% | 5,475 |
| Memoranda: | ||
| Average total assets | $131,971,330 | 4,353 |
| Average earning assets | $120,488,330 | 4,354 |
| Average equity | $10,698,000 | 5,160 |
| Average total loans | $86,625,670 | 4,375 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9323% | 2,637 |
| Cost of funding earning assets | 2.6045% | 1,552 |
| Net interest margin | 3.3278% | 5,409 |
| Noninterest income to average assets | 1.1842% | 1,043 |
| Noninterest expense to average assets | 3.1796% | 3,075 |
| Loan and lease loss provision to assets | 0.3423% | 3,274 |
| Net operating income to assets | 0.6877% | 3,614 |
| Return on assets (ROA) | 0.6877% | 3,798 |
| Pretax return on assets | 0.6846% | 4,487 |
| Return on Equity (ROE) | 8.4036% | 2,967 |
| Retained earnings to average equity (ytd only) | 8.4036% | 1,662 |
| Net charge-offs to loans | -0.8993% | 8,151 |
| Credit loss provision to net charge-offs | -57.5130% | 6,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5865% | 3,553 |
| Assets per employee ($millions) | 2.9837% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 3,741 |
| Loan loss allowance to noncurrent loans | 32.1156% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 3.2837% | 1,676 |
| Noncurrent loans to loans | 4.2310% | 1,396 |
| Net loans and leases to total assets | 65.1382% | 4,786 |
| Net loans and leases to deposits | 74.8873% | 5,360 |
| Net loans and leases to core deposits | 90.9667% | 5,460 |
| Total domestic deposits to total assets | 86.9817% | 2,227 |
| Equity capital to assets | 8.2508% | 6,462 |
| Core capital (leverage) ratio | 8.0683% | 6,349 |
| Tier 1 risk-based capital ratio | 11.3482% | 5,549 |
| Total risk-based capital ratio | 12.5987% | 5,452 |
| Memoranda: | ||
| Average total assets | $129,703,000 | 4,413 |
| Average earning assets | $117,796,500 | 4,433 |
| Average equity | $10,614,500 | 5,210 |
| Average total loans | $85,840,000 | 4,434 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4012% | 3,415 |
| Cost of funding earning assets | 3.0526% | 1,674 |
| Net interest margin | 3.3486% | 5,869 |
| Noninterest income to average assets | 1.1246% | 1,234 |
| Noninterest expense to average assets | 3.2365% | 3,202 |
| Loan and lease loss provision to assets | 0.6156% | 2,365 |
| Net operating income to assets | 0.3688% | 5,276 |
| Return on assets (ROA) | 0.4343% | 4,840 |
| Pretax return on assets | 0.3550% | 5,373 |
| Return on Equity (ROE) | 5.5085% | 4,153 |
| Retained earnings to average equity (ytd only) | 2.3677% | 3,726 |
| Net charge-offs to loans | 0.9546% | 1,295 |
| Credit loss provision to net charge-offs | 97.7025% | 5,456 |
| Earnings coverage of net charge-offs (x) | 1.4365% | 5,396 |
| Efficiency ratio | 78.1457% | 2,897 |
| Assets per employee ($millions) | 2.9796% | 6,102 |
| Cash dividends to net income (ytd only)* | 57.0175% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 5,792 |
| Loan loss allowance to noncurrent loans | 20.8991% | 7,196 |
| Noncurrent assets plus other real estate owned to assets | 3.6715% | 1,189 |
| Noncurrent loans to loans | 4.9208% | 910 |
| Net loans and leases to total assets | 65.6499% | 4,924 |
| Net loans and leases to deposits | 75.6049% | 5,636 |
| Net loans and leases to core deposits | 91.1250% | 5,706 |
| Total domestic deposits to total assets | 86.8329% | 2,014 |
| Equity capital to assets | 8.1149% | 6,676 |
| Core capital (leverage) ratio | 7.7637% | 6,849 |
| Tier 1 risk-based capital ratio | 10.9295% | 5,792 |
| Total risk-based capital ratio | 11.8649% | 5,983 |
| Memoranda: | ||
| Average total assets | $131,251,800 | 4,251 |
| Average earning assets | $118,259,400 | 4,302 |
| Average equity | $10,347,600 | 5,308 |
| Average total loans | $86,631,200 | 4,317 |