Home > AMG National Trust Bank > Performance and Condition Ratios
AMG National Trust Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8774% | 2,329 |
| Cost of funding earning assets | 2.6902% | 252 |
| Net interest margin | 2.1872% | 4,328 |
| Noninterest income to average assets | 6.0700% | 113 |
| Noninterest expense to average assets | 5.2432% | 213 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 2.0746% | 419 |
| Return on assets (ROA) | 2.0743% | 406 |
| Pretax return on assets | 2.8221% | 246 |
| Return on Equity (ROE) | 14.9900% | 1,291 |
| Retained earnings to average equity (ytd only) | 4.0644% | 2,937 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.5700% | 2,657 |
| Assets per employee ($millions) | 4.8873% | 3,715 |
| Cash dividends to net income (ytd only)* | 72.8854% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 1,556 |
| Loan loss allowance to noncurrent loans | 5,262.2951% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 3,722 |
| Noncurrent loans to loans | 0.0258% | 3,559 |
| Net loans and leases to total assets | 33.6200% | 4,220 |
| Net loans and leases to deposits | 39.4345% | 4,212 |
| Net loans and leases to core deposits | 43.5356% | 4,215 |
| Total domestic deposits to total assets | 85.2600% | 2,225 |
| Equity capital to assets | 13.5014% | 770 |
| Core capital (leverage) ratio | 12.5251% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9953% | 794 |
| Memoranda: | ||
| Average total assets | $673,686,800 | 1,346 |
| Average earning assets | $629,126,200 | 1,322 |
| Average equity | $93,223,200 | 1,001 |
| Average total loans | $219,515,400 | 2,165 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7776% | 2,314 |
| Cost of funding earning assets | 2.6525% | 212 |
| Net interest margin | 2.1251% | 4,398 |
| Noninterest income to average assets | 6.1600% | 112 |
| Noninterest expense to average assets | 5.2833% | 212 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 2.1107% | 430 |
| Return on assets (ROA) | 2.1102% | 422 |
| Pretax return on assets | 2.8349% | 269 |
| Return on Equity (ROE) | 15.1500% | 1,419 |
| Retained earnings to average equity (ytd only) | 15.1540% | 537 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.7951% | 2,524 |
| Assets per employee ($millions) | 4.2000% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 1,578 |
| Loan loss allowance to noncurrent loans | 2,731.5315% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 3,648 |
| Noncurrent loans to loans | 0.0502% | 3,398 |
| Net loans and leases to total assets | 36.3200% | 4,171 |
| Net loans and leases to deposits | 44.0353% | 4,101 |
| Net loans and leases to core deposits | 44.3104% | 4,165 |
| Total domestic deposits to total assets | 82.4800% | 3,127 |
| Equity capital to assets | 16.4953% | 420 |
| Core capital (leverage) ratio | 14.1805% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0661% | 624 |
| Memoranda: | ||
| Average total assets | $668,609,250 | 1,349 |
| Average earning assets | $623,950,250 | 1,334 |
| Average equity | $93,104,250 | 997 |
| Average total loans | $215,258,000 | 2,193 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5775% | 2,462 |
| Cost of funding earning assets | 2.5436% | 177 |
| Net interest margin | 2.0340% | 4,486 |
| Noninterest income to average assets | 5.8900% | 111 |
| Noninterest expense to average assets | 5.1684% | 209 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.9333% | 528 |
| Return on assets (ROA) | 1.9315% | 527 |
| Pretax return on assets | 2.5946% | 313 |
| Return on Equity (ROE) | 14.6500% | 1,541 |
| Retained earnings to average equity (ytd only) | 14.6539% | 605 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.2347% | 2,345 |
| Assets per employee ($millions) | 4.5544% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 1,645 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 3,829 |
| Noncurrent loans to loans | 0.0137% | 3,680 |
| Net loans and leases to total assets | 33.9100% | 4,237 |
| Net loans and leases to deposits | 40.2418% | 4,209 |
| Net loans and leases to core deposits | 40.4124% | 4,251 |
| Total domestic deposits to total assets | 84.2700% | 2,761 |
| Equity capital to assets | 14.8526% | 540 |
| Core capital (leverage) ratio | 12.7239% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5298% | 669 |
| Memoranda: | ||
| Average total assets | $691,280,000 | 1,315 |
| Average earning assets | $646,024,000 | 1,304 |
| Average equity | $91,115,667 | 1,014 |
| Average total loans | $213,285,667 | 2,198 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 2,762 |
| Cost of funding earning assets | 2.3896% | 120 |
| Net interest margin | 1.9262% | 4,581 |
| Noninterest income to average assets | 5.6100% | 121 |
| Noninterest expense to average assets | 5.0499% | 228 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 1.7727% | 710 |
| Return on assets (ROA) | 1.7735% | 703 |
| Pretax return on assets | 2.3824% | 423 |
| Return on Equity (ROE) | 14.2600% | 1,726 |
| Retained earnings to average equity (ytd only) | 14.2585% | 906 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.0501% | 2,085 |
| Assets per employee ($millions) | 4.9471% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 1,693 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 30.0200% | 4,367 |
| Net loans and leases to deposits | 35.0118% | 4,351 |
| Net loans and leases to core deposits | 35.0277% | 4,380 |
| Total domestic deposits to total assets | 85.7300% | 2,671 |
| Equity capital to assets | 13.3744% | 685 |
| Core capital (leverage) ratio | 11.6338% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8953% | 864 |
| Memoranda: | ||
| Average total assets | $718,111,000 | 1,288 |
| Average earning assets | $672,416,500 | 1,279 |
| Average equity | $89,322,000 | 1,038 |
| Average total loans | $210,310,500 | 2,239 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6596% | 4,429 |
| Cost of funding earning assets | 0.8076% | 374 |
| Net interest margin | 1.8520% | 4,591 |
| Noninterest income to average assets | 6.1400% | 121 |
| Noninterest expense to average assets | 5.0460% | 213 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 2.1245% | 239 |
| Return on assets (ROA) | 2.1189% | 233 |
| Pretax return on assets | 2.8464% | 146 |
| Return on Equity (ROE) | 16.9500% | 871 |
| Retained earnings to average equity (ytd only) | 14.0089% | 386 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.9998% | 2,627 |
| Assets per employee ($millions) | 5.5001% | 3,219 |
| Cash dividends to net income (ytd only)* | 17.3393% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 1,620 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 27.8600% | 4,436 |
| Net loans and leases to deposits | 31.8048% | 4,435 |
| Net loans and leases to core deposits | 31.8176% | 4,452 |
| Total domestic deposits to total assets | 87.5900% | 2,204 |
| Equity capital to assets | 11.5905% | 1,055 |
| Core capital (leverage) ratio | 11.3891% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4109% | 1,063 |
| Memoranda: | ||
| Average total assets | $663,018,600 | 1,355 |
| Average earning assets | $619,375,400 | 1,356 |
| Average equity | $82,897,400 | 1,100 |
| Average total loans | $212,386,800 | 2,154 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2471% | 4,552 |
| Cost of funding earning assets | 0.4225% | 1,141 |
| Net interest margin | 1.8246% | 4,599 |
| Noninterest income to average assets | 6.4800% | 117 |
| Noninterest expense to average assets | 5.2972% | 201 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 2.1009% | 244 |
| Return on assets (ROA) | 2.0959% | 247 |
| Pretax return on assets | 2.8563% | 155 |
| Return on Equity (ROE) | 16.4100% | 905 |
| Retained earnings to average equity (ytd only) | 12.4400% | 707 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.6401% | 2,600 |
| Assets per employee ($millions) | 4.8426% | 3,803 |
| Cash dividends to net income (ytd only)* | 24.1979% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,186 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 30.6600% | 4,406 |
| Net loans and leases to deposits | 35.2890% | 4,386 |
| Net loans and leases to core deposits | 35.3052% | 4,416 |
| Total domestic deposits to total assets | 86.8900% | 2,799 |
| Equity capital to assets | 12.3955% | 799 |
| Core capital (leverage) ratio | 11.4696% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7359% | 1,224 |
| Memoranda: | ||
| Average total assets | $640,394,250 | 1,403 |
| Average earning assets | $597,678,250 | 1,398 |
| Average equity | $81,787,750 | 1,123 |
| Average total loans | $212,277,750 | 2,150 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8375% | 4,659 |
| Cost of funding earning assets | 0.1178% | 3,985 |
| Net interest margin | 1.7197% | 4,650 |
| Noninterest income to average assets | 6.7777% | 76 |
| Noninterest expense to average assets | 5.3874% | 151 |
| Loan and lease loss provision to assets | -0.0364% | 4,483 |
| Net operating income to assets | 2.2251% | 155 |
| Return on assets (ROA) | 2.2193% | 157 |
| Pretax return on assets | 3.0242% | 94 |
| Return on Equity (ROE) | 17.1983% | 547 |
| Retained earnings to average equity (ytd only) | 17.1983% | 140 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1545% | 2,890 |
| Assets per employee ($millions) | 4.7680% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 1,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 33.0605% | 4,369 |
| Net loans and leases to deposits | 38.3063% | 4,322 |
| Net loans and leases to core deposits | 38.3247% | 4,378 |
| Total domestic deposits to total assets | 86.3056% | 3,169 |
| Equity capital to assets | 13.0793% | 652 |
| Core capital (leverage) ratio | 11.8174% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1711% | 968 |
| Memoranda: | ||
| Average total assets | $631,100,333 | 1,430 |
| Average earning assets | $588,947,000 | 1,435 |
| Average equity | $81,438,333 | 1,142 |
| Average total loans | $213,664,333 | 2,150 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5898% | 4,706 |
| Cost of funding earning assets | 0.0459% | 4,626 |
| Net interest margin | 1.5439% | 4,688 |
| Noninterest income to average assets | 6.9256% | 76 |
| Noninterest expense to average assets | 5.4813% | 152 |
| Loan and lease loss provision to assets | 0.0288% | 1,848 |
| Net operating income to assets | 2.0965% | 187 |
| Return on assets (ROA) | 2.1030% | 184 |
| Pretax return on assets | 2.8655% | 117 |
| Return on Equity (ROE) | 16.4121% | 492 |
| Retained earnings to average equity (ytd only) | 16.4121% | 212 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5088% | 2,830 |
| Assets per employee ($millions) | 4.6373% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 1,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 31.9739% | 4,379 |
| Net loans and leases to deposits | 36.8556% | 4,355 |
| Net loans and leases to core deposits | 36.8731% | 4,403 |
| Total domestic deposits to total assets | 86.7545% | 3,016 |
| Equity capital to assets | 12.5967% | 783 |
| Core capital (leverage) ratio | 11.0092% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3750% | 984 |
| Memoranda: | ||
| Average total assets | $624,810,500 | 1,444 |
| Average earning assets | $583,472,000 | 1,443 |
| Average equity | $80,063,000 | 1,197 |
| Average total loans | $212,595,000 | 2,157 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9525% | 4,685 |
| Cost of funding earning assets | 0.0492% | 4,691 |
| Net interest margin | 1.9033% | 4,638 |
| Noninterest income to average assets | 7.1418% | 85 |
| Noninterest expense to average assets | 5.5034% | 149 |
| Loan and lease loss provision to assets | -0.0558% | 4,382 |
| Net operating income to assets | 2.5304% | 155 |
| Return on assets (ROA) | 2.5510% | 156 |
| Pretax return on assets | 3.4766% | 102 |
| Return on Equity (ROE) | 19.5673% | 336 |
| Retained earnings to average equity (ytd only) | 13.6971% | 333 |
| Net charge-offs to loans | -0.0009% | 3,276 |
| Credit loss provision to net charge-offs | 15,900.0000% | 47 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8490% | 2,890 |
| Assets per employee ($millions) | 4.5836% | 4,052 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 1,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 35.1747% | 4,327 |
| Net loans and leases to deposits | 40.9071% | 4,310 |
| Net loans and leases to core deposits | 40.9280% | 4,373 |
| Total domestic deposits to total assets | 85.9867% | 2,912 |
| Equity capital to assets | 13.0454% | 884 |
| Core capital (leverage) ratio | 12.0097% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5805% | 952 |
| Memoranda: | ||
| Average total assets | $570,358,000 | 1,510 |
| Average earning assets | $526,296,800 | 1,530 |
| Average equity | $74,358,800 | 1,284 |
| Average total loans | $214,058,200 | 2,143 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0277% | 4,755 |
| Cost of funding earning assets | 0.0513% | 4,773 |
| Net interest margin | 1.9763% | 4,690 |
| Noninterest income to average assets | 7.1881% | 89 |
| Noninterest expense to average assets | 5.4800% | 142 |
| Loan and lease loss provision to assets | -0.0762% | 4,540 |
| Net operating income to assets | 2.6990% | 172 |
| Return on assets (ROA) | 2.7267% | 166 |
| Pretax return on assets | 3.6380% | 109 |
| Return on Equity (ROE) | 20.9183% | 365 |
| Retained earnings to average equity (ytd only) | 15.3004% | 358 |
| Net charge-offs to loans | -0.0012% | 3,149 |
| Credit loss provision to net charge-offs | 16,050.0000% | 45 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8439% | 2,854 |
| Assets per employee ($millions) | 3.9307% | 4,489 |
| Cash dividends to net income (ytd only)* | 26.8564% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 1,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 38.8558% | 4,260 |
| Net loans and leases to deposits | 45.8728% | 4,234 |
| Net loans and leases to core deposits | 45.8999% | 4,328 |
| Total domestic deposits to total assets | 84.7034% | 3,217 |
| Equity capital to assets | 14.6038% | 616 |
| Core capital (leverage) ratio | 12.0848% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3192% | 1,078 |
| Memoranda: | ||
| Average total assets | $561,689,500 | 1,552 |
| Average earning assets | $516,840,250 | 1,562 |
| Average equity | $73,216,250 | 1,320 |
| Average total loans | $213,590,000 | 2,179 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0515% | 4,793 |
| Cost of funding earning assets | 0.0531% | 4,813 |
| Net interest margin | 1.9984% | 4,709 |
| Noninterest income to average assets | 6.9419% | 87 |
| Noninterest expense to average assets | 5.3556% | 156 |
| Loan and lease loss provision to assets | -0.0399% | 4,491 |
| Net operating income to assets | 2.6256% | 188 |
| Return on assets (ROA) | 2.6659% | 188 |
| Pretax return on assets | 3.5183% | 118 |
| Return on Equity (ROE) | 21.2425% | 368 |
| Retained earnings to average equity (ytd only) | 14.8712% | 448 |
| Net charge-offs to loans | -0.0019% | 3,186 |
| Credit loss provision to net charge-offs | 5,700.0000% | 115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9769% | 2,875 |
| Assets per employee ($millions) | 3.8907% | 4,501 |
| Cash dividends to net income (ytd only)* | 29.9934% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 1,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 39.9229% | 4,291 |
| Net loans and leases to deposits | 46.7702% | 4,278 |
| Net loans and leases to core deposits | 46.7975% | 4,372 |
| Total domestic deposits to total assets | 85.3597% | 2,957 |
| Equity capital to assets | 13.9642% | 720 |
| Core capital (leverage) ratio | 11.2222% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6457% | 1,433 |
| Memoranda: | ||
| Average total assets | $572,036,333 | 1,522 |
| Average earning assets | $527,023,333 | 1,533 |
| Average equity | $71,790,000 | 1,329 |
| Average total loans | $215,020,667 | 2,180 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0464% | 4,827 |
| Cost of funding earning assets | 0.0557% | 4,841 |
| Net interest margin | 1.9907% | 4,736 |
| Noninterest income to average assets | 6.6613% | 97 |
| Noninterest expense to average assets | 5.3352% | 153 |
| Loan and lease loss provision to assets | -0.0818% | 4,699 |
| Net operating income to assets | 2.3687% | 329 |
| Return on assets (ROA) | 2.3965% | 340 |
| Pretax return on assets | 3.2809% | 176 |
| Return on Equity (ROE) | 20.1168% | 524 |
| Retained earnings to average equity (ytd only) | 14.0829% | 748 |
| Net charge-offs to loans | -0.0037% | 3,286 |
| Credit loss provision to net charge-offs | 6,050.0000% | 100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7735% | 2,637 |
| Assets per employee ($millions) | 4.2060% | 4,341 |
| Cash dividends to net income (ytd only)* | 29.9944% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 1,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 36.8804% | 4,463 |
| Net loans and leases to deposits | 42.4071% | 4,477 |
| Net loans and leases to core deposits | 42.4295% | 4,552 |
| Total domestic deposits to total assets | 86.9675% | 2,320 |
| Equity capital to assets | 12.4149% | 1,111 |
| Core capital (leverage) ratio | 9.6438% | 2,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8846% | 1,934 |
| Memoranda: | ||
| Average total assets | $591,540,500 | 1,465 |
| Average earning assets | $546,129,500 | 1,483 |
| Average equity | $70,468,500 | 1,346 |
| Average total loans | $214,472,500 | 2,182 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4063% | 4,861 |
| Cost of funding earning assets | 0.2593% | 4,340 |
| Net interest margin | 2.1470% | 4,786 |
| Noninterest income to average assets | 5.7033% | 101 |
| Noninterest expense to average assets | 5.1675% | 175 |
| Loan and lease loss provision to assets | 0.2808% | 1,358 |
| Net operating income to assets | 1.7208% | 470 |
| Return on assets (ROA) | 1.7590% | 461 |
| Pretax return on assets | 2.3075% | 254 |
| Return on Equity (ROE) | 16.5234% | 451 |
| Retained earnings to average equity (ytd only) | 16.5234% | 112 |
| Net charge-offs to loans | 0.0010% | 3,392 |
| Credit loss provision to net charge-offs | 80,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 7,235.5000% | 9 |
| Efficiency ratio | 67.0447% | 2,357 |
| Assets per employee ($millions) | 4.4296% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 1,273 |
| Loan loss allowance to noncurrent loans | 890.6494% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 4,026 |
| Noncurrent loans to loans | 0.1806% | 3,568 |
| Net loans and leases to total assets | 34.5538% | 4,626 |
| Net loans and leases to deposits | 39.3135% | 4,673 |
| Net loans and leases to core deposits | 39.3330% | 4,714 |
| Total domestic deposits to total assets | 87.8931% | 1,534 |
| Equity capital to assets | 11.4359% | 1,932 |
| Core capital (leverage) ratio | 9.7047% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1298% | 2,193 |
| Memoranda: | ||
| Average total assets | $569,709,400 | 1,398 |
| Average earning assets | $531,846,800 | 1,387 |
| Average equity | $60,647,200 | 1,432 |
| Average total loans | $196,789,200 | 2,266 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5687% | 4,894 |
| Cost of funding earning assets | 0.3311% | 4,148 |
| Net interest margin | 2.2376% | 4,802 |
| Noninterest income to average assets | 5.5633% | 104 |
| Noninterest expense to average assets | 5.1921% | 174 |
| Loan and lease loss provision to assets | 0.2732% | 1,475 |
| Net operating income to assets | 1.6242% | 686 |
| Return on assets (ROA) | 1.6696% | 689 |
| Pretax return on assets | 2.2487% | 310 |
| Return on Equity (ROE) | 16.0062% | 547 |
| Retained earnings to average equity (ytd only) | 16.0062% | 158 |
| Net charge-offs to loans | 0.0014% | 3,166 |
| Credit loss provision to net charge-offs | 57,400.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 5,179.0000% | 9 |
| Efficiency ratio | 67.8143% | 2,218 |
| Assets per employee ($millions) | 3.8645% | 4,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 1,382 |
| Loan loss allowance to noncurrent loans | 773.2468% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 4,092 |
| Noncurrent loans to loans | 0.1938% | 3,620 |
| Net loans and leases to total assets | 35.1636% | 4,710 |
| Net loans and leases to deposits | 40.2472% | 4,742 |
| Net loans and leases to core deposits | 40.2692% | 4,779 |
| Total domestic deposits to total assets | 87.3691% | 1,515 |
| Equity capital to assets | 11.9443% | 1,712 |
| Core capital (leverage) ratio | 9.5152% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8663% | 2,258 |
| Memoranda: | ||
| Average total assets | $560,423,500 | 1,396 |
| Average earning assets | $524,244,000 | 1,390 |
| Average equity | $58,459,250 | 1,468 |
| Average total loans | $192,706,500 | 2,301 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6994% | 4,934 |
| Cost of funding earning assets | 0.4631% | 3,729 |
| Net interest margin | 2.2362% | 4,861 |
| Noninterest income to average assets | 5.2501% | 100 |
| Noninterest expense to average assets | 5.0294% | 188 |
| Loan and lease loss provision to assets | 0.3254% | 1,314 |
| Net operating income to assets | 1.4832% | 952 |
| Return on assets (ROA) | 1.5192% | 969 |
| Pretax return on assets | 2.0451% | 498 |
| Return on Equity (ROE) | 15.2967% | 671 |
| Retained earnings to average equity (ytd only) | 15.2967% | 208 |
| Net charge-offs to loans | 0.0021% | 2,940 |
| Credit loss provision to net charge-offs | 45,700.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 3,265.0000% | 17 |
| Efficiency ratio | 68.3869% | 2,189 |
| Assets per employee ($millions) | 3.9069% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 1,722 |
| Loan loss allowance to noncurrent loans | 712.4675% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 4,184 |
| Noncurrent loans to loans | 0.1912% | 3,691 |
| Net loans and leases to total assets | 35.3092% | 4,740 |
| Net loans and leases to deposits | 40.0442% | 4,793 |
| Net loans and leases to core deposits | 40.0868% | 4,825 |
| Total domestic deposits to total assets | 88.1757% | 1,096 |
| Equity capital to assets | 11.3001% | 2,123 |
| Core capital (leverage) ratio | 8.7022% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0083% | 2,609 |
| Memoranda: | ||
| Average total assets | $561,736,667 | 1,372 |
| Average earning assets | $528,564,667 | 1,352 |
| Average equity | $55,789,667 | 1,503 |
| Average total loans | $190,723,000 | 2,294 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8979% | 4,981 |
| Cost of funding earning assets | 0.7986% | 2,405 |
| Net interest margin | 2.0992% | 4,989 |
| Noninterest income to average assets | 5.3133% | 92 |
| Noninterest expense to average assets | 4.9242% | 234 |
| Loan and lease loss provision to assets | 0.2345% | 1,322 |
| Net operating income to assets | 1.5809% | 647 |
| Return on assets (ROA) | 1.5849% | 711 |
| Pretax return on assets | 2.1564% | 326 |
| Return on Equity (ROE) | 17.1415% | 319 |
| Retained earnings to average equity (ytd only) | 17.1415% | 104 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3621% | 2,760 |
| Assets per employee ($millions) | 4.5202% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 3,121 |
| Loan loss allowance to noncurrent loans | 561.0390% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 4,264 |
| Noncurrent loans to loans | 0.1985% | 3,767 |
| Net loans and leases to total assets | 33.4179% | 4,843 |
| Net loans and leases to deposits | 36.9175% | 4,894 |
| Net loans and leases to core deposits | 36.9731% | 4,915 |
| Total domestic deposits to total assets | 90.5207% | 192 |
| Equity capital to assets | 8.9907% | 4,604 |
| Core capital (leverage) ratio | 9.6509% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4435% | 2,509 |
| Memoranda: | ||
| Average total assets | $561,307,500 | 1,332 |
| Average earning assets | $533,905,500 | 1,302 |
| Average equity | $51,897,500 | 1,602 |
| Average total loans | $185,389,000 | 2,302 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3870% | 4,924 |
| Cost of funding earning assets | 1.2211% | 974 |
| Net interest margin | 2.1659% | 5,064 |
| Noninterest income to average assets | 5.7603% | 88 |
| Noninterest expense to average assets | 5.2962% | 178 |
| Loan and lease loss provision to assets | 0.0085% | 3,841 |
| Net operating income to assets | 1.8831% | 445 |
| Return on assets (ROA) | 1.8820% | 464 |
| Pretax return on assets | 2.5023% | 211 |
| Return on Equity (ROE) | 19.9328% | 216 |
| Retained earnings to average equity (ytd only) | 19.9328% | 33 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8270% | 2,489 |
| Assets per employee ($millions) | 4.4598% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 31.8925% | 4,938 |
| Net loans and leases to deposits | 35.5101% | 4,982 |
| Net loans and leases to core deposits | 35.5663% | 4,998 |
| Total domestic deposits to total assets | 89.8125% | 389 |
| Equity capital to assets | 9.5128% | 4,342 |
| Core capital (leverage) ratio | 9.6217% | 3,932 |
| Tier 1 risk-based capital ratio | 14.3695% | 3,081 |
| Total risk-based capital ratio | 14.9096% | 3,339 |
| Memoranda: | ||
| Average total assets | $496,656,800 | 1,435 |
| Average earning assets | $469,642,400 | 1,418 |
| Average equity | $46,892,600 | 1,692 |
| Average total loans | $166,057,400 | 2,454 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4727% | 4,974 |
| Cost of funding earning assets | 1.2975% | 795 |
| Net interest margin | 2.1752% | 5,153 |
| Noninterest income to average assets | 5.8387% | 87 |
| Noninterest expense to average assets | 5.3758% | 173 |
| Loan and lease loss provision to assets | 0.0044% | 3,784 |
| Net operating income to assets | 1.8716% | 536 |
| Return on assets (ROA) | 1.8701% | 560 |
| Pretax return on assets | 2.5101% | 245 |
| Return on Equity (ROE) | 19.8488% | 259 |
| Retained earnings to average equity (ytd only) | 19.8488% | 51 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1150% | 2,397 |
| Assets per employee ($millions) | 3.7112% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 35.5310% | 4,951 |
| Net loans and leases to deposits | 39.9935% | 4,994 |
| Net loans and leases to core deposits | 40.0676% | 5,033 |
| Total domestic deposits to total assets | 88.8420% | 674 |
| Equity capital to assets | 10.4778% | 3,560 |
| Core capital (leverage) ratio | 10.4106% | 3,186 |
| Tier 1 risk-based capital ratio | 12.4683% | 4,161 |
| Total risk-based capital ratio | 12.9553% | 4,469 |
| Memoranda: | ||
| Average total assets | $483,682,250 | 1,474 |
| Average earning assets | $456,658,500 | 1,450 |
| Average equity | $45,570,000 | 1,737 |
| Average total loans | $163,377,000 | 2,498 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4565% | 5,039 |
| Cost of funding earning assets | 1.3409% | 660 |
| Net interest margin | 2.1156% | 5,229 |
| Noninterest income to average assets | 5.7158% | 84 |
| Noninterest expense to average assets | 5.2755% | 179 |
| Loan and lease loss provision to assets | -0.0312% | 5,151 |
| Net operating income to assets | 1.8405% | 549 |
| Return on assets (ROA) | 1.8372% | 579 |
| Pretax return on assets | 2.4662% | 256 |
| Return on Equity (ROE) | 20.2309% | 241 |
| Retained earnings to average equity (ytd only) | 20.2309% | 58 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3833% | 2,469 |
| Assets per employee ($millions) | 3.8540% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 3,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 33.5103% | 5,036 |
| Net loans and leases to deposits | 37.4438% | 5,086 |
| Net loans and leases to core deposits | 37.5405% | 5,111 |
| Total domestic deposits to total assets | 89.4947% | 477 |
| Equity capital to assets | 9.9062% | 4,055 |
| Core capital (leverage) ratio | 9.9213% | 3,675 |
| Tier 1 risk-based capital ratio | 11.2831% | 4,796 |
| Total risk-based capital ratio | 11.7198% | 5,035 |
| Memoranda: | ||
| Average total assets | $487,802,670 | 1,463 |
| Average earning assets | $460,869,000 | 1,448 |
| Average equity | $44,298,670 | 1,782 |
| Average total loans | $161,412,670 | 2,520 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4163% | 5,099 |
| Cost of funding earning assets | 1.3157% | 633 |
| Net interest margin | 2.1005% | 5,302 |
| Noninterest income to average assets | 5.5850% | 87 |
| Noninterest expense to average assets | 5.2923% | 179 |
| Loan and lease loss provision to assets | -0.0566% | 5,265 |
| Net operating income to assets | 1.7408% | 672 |
| Return on assets (ROA) | 1.7344% | 707 |
| Pretax return on assets | 2.3279% | 341 |
| Return on Equity (ROE) | 19.9681% | 268 |
| Retained earnings to average equity (ytd only) | 19.9681% | 109 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8953% | 2,358 |
| Assets per employee ($millions) | 4.0397% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 3,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 32.1106% | 5,109 |
| Net loans and leases to deposits | 35.4776% | 5,155 |
| Net loans and leases to core deposits | 35.5635% | 5,175 |
| Total domestic deposits to total assets | 90.5095% | 286 |
| Equity capital to assets | 8.9224% | 4,736 |
| Core capital (leverage) ratio | 9.1638% | 4,507 |
| Tier 1 risk-based capital ratio | 11.7907% | 4,571 |
| Total risk-based capital ratio | 12.2793% | 4,865 |
| Memoranda: | ||
| Average total assets | $494,685,500 | 1,451 |
| Average earning assets | $467,879,000 | 1,429 |
| Average equity | $42,968,500 | 1,819 |
| Average total loans | $161,837,000 | 2,546 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0762% | 5,197 |
| Cost of funding earning assets | 0.7462% | 1,813 |
| Net interest margin | 2.3299% | 5,273 |
| Noninterest income to average assets | 6.7934% | 71 |
| Noninterest expense to average assets | 6.0586% | 128 |
| Loan and lease loss provision to assets | 0.0600% | 2,961 |
| Net operating income to assets | 2.1325% | 285 |
| Return on assets (ROA) | 2.1180% | 284 |
| Pretax return on assets | 2.8310% | 122 |
| Return on Equity (ROE) | 23.2012% | 123 |
| Retained earnings to average equity (ytd only) | 16.2372% | 81 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5587% | 2,621 |
| Assets per employee ($millions) | 3.9399% | 3,980 |
| Cash dividends to net income (ytd only)* | 30.0156% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 32.6128% | 5,153 |
| Net loans and leases to deposits | 35.9202% | 5,199 |
| Net loans and leases to core deposits | 35.9873% | 5,216 |
| Total domestic deposits to total assets | 90.7922% | 252 |
| Equity capital to assets | 8.4476% | 4,967 |
| Core capital (leverage) ratio | 9.7470% | 3,858 |
| Tier 1 risk-based capital ratio | 11.7369% | 4,604 |
| Total risk-based capital ratio | 12.2652% | 4,862 |
| Memoranda: | ||
| Average total assets | $425,015,400 | 1,609 |
| Average earning assets | $396,664,000 | 1,601 |
| Average equity | $38,799,800 | 1,909 |
| Average total loans | $154,349,400 | 2,594 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0446% | 5,270 |
| Cost of funding earning assets | 0.6410% | 2,197 |
| Net interest margin | 2.4036% | 5,318 |
| Noninterest income to average assets | 7.1322% | 71 |
| Noninterest expense to average assets | 6.2149% | 126 |
| Loan and lease loss provision to assets | 0.0408% | 3,186 |
| Net operating income to assets | 2.2565% | 250 |
| Return on assets (ROA) | 2.2423% | 249 |
| Pretax return on assets | 3.0929% | 105 |
| Return on Equity (ROE) | 24.0210% | 104 |
| Retained earnings to average equity (ytd only) | 16.8154% | 110 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3516% | 2,807 |
| Assets per employee ($millions) | 3.2882% | 4,783 |
| Cash dividends to net income (ytd only)* | 29.9970% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 3,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 36.5550% | 5,124 |
| Net loans and leases to deposits | 40.8240% | 5,188 |
| Net loans and leases to core deposits | 40.9147% | 5,223 |
| Total domestic deposits to total assets | 89.5430% | 661 |
| Equity capital to assets | 9.7113% | 3,912 |
| Core capital (leverage) ratio | 9.6815% | 3,962 |
| Tier 1 risk-based capital ratio | 13.4697% | 3,643 |
| Total risk-based capital ratio | 14.0473% | 3,923 |
| Memoranda: | ||
| Average total assets | $408,148,000 | 1,686 |
| Average earning assets | $379,414,000 | 1,683 |
| Average equity | $38,099,000 | 1,941 |
| Average total loans | $152,336,250 | 2,632 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9311% | 5,359 |
| Cost of funding earning assets | 0.5192% | 2,849 |
| Net interest margin | 2.4119% | 5,377 |
| Noninterest income to average assets | 7.2045% | 72 |
| Noninterest expense to average assets | 6.2253% | 129 |
| Loan and lease loss provision to assets | 0.0272% | 3,374 |
| Net operating income to assets | 2.3132% | 200 |
| Return on assets (ROA) | 2.2948% | 205 |
| Pretax return on assets | 3.1655% | 93 |
| Return on Equity (ROE) | 24.9300% | 86 |
| Retained earnings to average equity (ytd only) | 17.4516% | 113 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9379% | 2,995 |
| Assets per employee ($millions) | 3.3122% | 4,802 |
| Cash dividends to net income (ytd only)* | 29.9978% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 3,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 37.7146% | 5,134 |
| Net loans and leases to deposits | 42.0521% | 5,193 |
| Net loans and leases to core deposits | 42.0824% | 5,241 |
| Total domestic deposits to total assets | 89.6855% | 669 |
| Equity capital to assets | 9.5476% | 4,055 |
| Core capital (leverage) ratio | 9.7074% | 3,874 |
| Tier 1 risk-based capital ratio | 12.6269% | 4,109 |
| Total risk-based capital ratio | 13.1742% | 4,428 |
| Memoranda: | ||
| Average total assets | $404,995,330 | 1,706 |
| Average earning assets | $375,553,330 | 1,705 |
| Average equity | $37,280,330 | 1,978 |
| Average total loans | $151,676,670 | 2,649 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8313% | 5,441 |
| Cost of funding earning assets | 0.4370% | 3,315 |
| Net interest margin | 2.3943% | 5,441 |
| Noninterest income to average assets | 7.2354% | 72 |
| Noninterest expense to average assets | 6.3399% | 130 |
| Loan and lease loss provision to assets | -0.0168% | 5,423 |
| Net operating income to assets | 2.3040% | 203 |
| Return on assets (ROA) | 2.2734% | 212 |
| Pretax return on assets | 3.0937% | 107 |
| Return on Equity (ROE) | 25.1700% | 83 |
| Retained earnings to average equity (ytd only) | 17.6135% | 170 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0508% | 2,997 |
| Assets per employee ($millions) | 3.4280% | 4,760 |
| Cash dividends to net income (ytd only)* | 30.0218% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 3,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 35.4274% | 5,225 |
| Net loans and leases to deposits | 39.1771% | 5,285 |
| Net loans and leases to core deposits | 39.2041% | 5,323 |
| Total domestic deposits to total assets | 90.4291% | 492 |
| Equity capital to assets | 8.8162% | 4,728 |
| Core capital (leverage) ratio | 9.1428% | 4,518 |
| Tier 1 risk-based capital ratio | 13.0956% | 3,900 |
| Total risk-based capital ratio | 13.6570% | 4,195 |
| Memoranda: | ||
| Average total assets | $403,793,500 | 1,718 |
| Average earning assets | $374,387,500 | 1,724 |
| Average equity | $36,472,000 | 2,017 |
| Average total loans | $149,896,000 | 2,688 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4971% | 5,554 |
| Cost of funding earning assets | 0.2109% | 4,861 |
| Net interest margin | 2.2862% | 5,510 |
| Noninterest income to average assets | 7.2582% | 76 |
| Noninterest expense to average assets | 6.7179% | 124 |
| Loan and lease loss provision to assets | 0.0571% | 3,088 |
| Net operating income to assets | 1.4918% | 819 |
| Return on assets (ROA) | 1.4956% | 831 |
| Pretax return on assets | 2.5999% | 155 |
| Return on Equity (ROE) | 16.9543% | 398 |
| Retained earnings to average equity (ytd only) | 11.8686% | 184 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7048% | 2,274 |
| Assets per employee ($millions) | 3.0876% | 5,136 |
| Cash dividends to net income (ytd only)* | 29.9965% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 3,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 38.1826% | 5,213 |
| Net loans and leases to deposits | 42.4053% | 5,285 |
| Net loans and leases to core deposits | 42.4373% | 5,335 |
| Total domestic deposits to total assets | 90.0421% | 554 |
| Equity capital to assets | 9.2684% | 4,457 |
| Core capital (leverage) ratio | 9.5854% | 3,930 |
| Tier 1 risk-based capital ratio | 12.4106% | 4,256 |
| Total risk-based capital ratio | 12.9692% | 4,585 |
| Memoranda: | ||
| Average total assets | $382,051,600 | 1,784 |
| Average earning assets | $352,729,400 | 1,784 |
| Average equity | $33,702,400 | 2,145 |
| Average total loans | $141,570,600 | 2,756 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4326% | 5,636 |
| Cost of funding earning assets | 0.1653% | 5,222 |
| Net interest margin | 2.2673% | 5,586 |
| Noninterest income to average assets | 7.3316% | 80 |
| Noninterest expense to average assets | 6.6161% | 129 |
| Loan and lease loss provision to assets | 0.0651% | 2,773 |
| Net operating income to assets | 1.6759% | 614 |
| Return on assets (ROA) | 1.6808% | 619 |
| Pretax return on assets | 2.7553% | 147 |
| Return on Equity (ROE) | 19.3013% | 258 |
| Retained earnings to average equity (ytd only) | 13.5117% | 181 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1696% | 2,510 |
| Assets per employee ($millions) | 2.9773% | 5,278 |
| Cash dividends to net income (ytd only)* | 29.9959% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 38.6562% | 5,242 |
| Net loans and leases to deposits | 43.0538% | 5,334 |
| Net loans and leases to core deposits | 43.0876% | 5,387 |
| Total domestic deposits to total assets | 89.7858% | 550 |
| Equity capital to assets | 9.4272% | 4,515 |
| Core capital (leverage) ratio | 9.2923% | 4,416 |
| Tier 1 risk-based capital ratio | 11.8492% | 4,732 |
| Total risk-based capital ratio | 12.3872% | 5,062 |
| Memoranda: | ||
| Average total assets | $381,078,250 | 1,802 |
| Average earning assets | $352,485,250 | 1,800 |
| Average equity | $33,185,250 | 2,181 |
| Average total loans | $139,738,750 | 2,802 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3328% | 5,699 |
| Cost of funding earning assets | 0.1266% | 5,470 |
| Net interest margin | 2.2062% | 5,644 |
| Noninterest income to average assets | 7.3157% | 83 |
| Noninterest expense to average assets | 6.8075% | 130 |
| Loan and lease loss provision to assets | 0.0698% | 2,578 |
| Net operating income to assets | 1.5128% | 838 |
| Return on assets (ROA) | 1.5201% | 852 |
| Pretax return on assets | 2.4919% | 215 |
| Return on Equity (ROE) | 17.9344% | 339 |
| Retained earnings to average equity (ytd only) | 12.5522% | 278 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7475% | 2,226 |
| Assets per employee ($millions) | 2.9767% | 5,291 |
| Cash dividends to net income (ytd only)* | 30.0103% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 4,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 38.5652% | 5,282 |
| Net loans and leases to deposits | 42.7935% | 5,377 |
| Net loans and leases to core deposits | 42.8273% | 5,425 |
| Total domestic deposits to total assets | 90.1192% | 500 |
| Equity capital to assets | 9.1236% | 4,777 |
| Core capital (leverage) ratio | 8.6904% | 5,052 |
| Tier 1 risk-based capital ratio | 11.8934% | 4,704 |
| Total risk-based capital ratio | 12.4431% | 5,040 |
| Memoranda: | ||
| Average total assets | $384,048,330 | 1,789 |
| Average earning assets | $355,448,000 | 1,784 |
| Average equity | $32,552,000 | 2,202 |
| Average total loans | $137,862,330 | 2,838 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1279% | 5,785 |
| Cost of funding earning assets | 0.0970% | 5,659 |
| Net interest margin | 2.0309% | 5,751 |
| Noninterest income to average assets | 7.1282% | 85 |
| Noninterest expense to average assets | 6.7399% | 134 |
| Loan and lease loss provision to assets | 0.1716% | 1,027 |
| Net operating income to assets | 1.2801% | 1,296 |
| Return on assets (ROA) | 1.2873% | 1,303 |
| Pretax return on assets | 2.1108% | 402 |
| Return on Equity (ROE) | 15.7549% | 560 |
| Retained earnings to average equity (ytd only) | 11.0284% | 601 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7959% | 2,097 |
| Assets per employee ($millions) | 3.0962% | 5,272 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 4,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 36.0182% | 5,398 |
| Net loans and leases to deposits | 39.5992% | 5,480 |
| Net loans and leases to core deposits | 39.6282% | 5,533 |
| Total domestic deposits to total assets | 90.9570% | 312 |
| Equity capital to assets | 8.2510% | 5,385 |
| Core capital (leverage) ratio | 8.0707% | 5,528 |
| Tier 1 risk-based capital ratio | 11.0499% | 5,281 |
| Total risk-based capital ratio | 11.5969% | 5,537 |
| Memoranda: | ||
| Average total assets | $391,517,500 | 1,766 |
| Average earning assets | $362,985,000 | 1,760 |
| Average equity | $31,990,000 | 2,241 |
| Average total loans | $134,894,500 | 2,890 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0540% | 5,837 |
| Cost of funding earning assets | 0.1024% | 5,693 |
| Net interest margin | 1.9516% | 5,812 |
| Noninterest income to average assets | 7.5573% | 78 |
| Noninterest expense to average assets | 7.2936% | 123 |
| Loan and lease loss provision to assets | 0.0077% | 4,207 |
| Net operating income to assets | 1.3427% | 1,111 |
| Return on assets (ROA) | 1.3455% | 1,164 |
| Pretax return on assets | 2.0545% | 442 |
| Return on Equity (ROE) | 16.0567% | 502 |
| Retained earnings to average equity (ytd only) | 11.4594% | 262 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9938% | 1,694 |
| Assets per employee ($millions) | 3.0218% | 5,336 |
| Cash dividends to net income (ytd only)* | 28.6318% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 4,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 32.1583% | 5,594 |
| Net loans and leases to deposits | 35.3019% | 5,659 |
| Net loans and leases to core deposits | 35.3279% | 5,688 |
| Total domestic deposits to total assets | 91.0952% | 251 |
| Equity capital to assets | 8.0898% | 5,521 |
| Core capital (leverage) ratio | 8.1489% | 5,534 |
| Tier 1 risk-based capital ratio | 13.7625% | 3,601 |
| Total risk-based capital ratio | 14.3974% | 3,899 |
| Memoranda: | ||
| Average total assets | $351,473,800 | 1,896 |
| Average earning assets | $323,119,000 | 1,902 |
| Average equity | $29,451,800 | 2,402 |
| Average total loans | $122,089,000 | 3,035 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0786% | 5,902 |
| Cost of funding earning assets | 0.1004% | 5,768 |
| Net interest margin | 1.9783% | 5,876 |
| Noninterest income to average assets | 7.7477% | 78 |
| Noninterest expense to average assets | 7.5360% | 116 |
| Loan and lease loss provision to assets | -0.0214% | 5,676 |
| Net operating income to assets | 1.2487% | 1,457 |
| Return on assets (ROA) | 1.2507% | 1,562 |
| Pretax return on assets | 2.0501% | 511 |
| Return on Equity (ROE) | 14.7796% | 697 |
| Retained earnings to average equity (ytd only) | 10.6411% | 467 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8156% | 1,574 |
| Assets per employee ($millions) | 2.9227% | 5,451 |
| Cash dividends to net income (ytd only)* | 28.0012% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 4,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 32.1349% | 5,676 |
| Net loans and leases to deposits | 35.2917% | 5,738 |
| Net loans and leases to core deposits | 35.3188% | 5,761 |
| Total domestic deposits to total assets | 91.0551% | 181 |
| Equity capital to assets | 8.1433% | 5,691 |
| Core capital (leverage) ratio | 7.9974% | 5,693 |
| Tier 1 risk-based capital ratio | 12.7422% | 4,315 |
| Total risk-based capital ratio | 13.3138% | 4,653 |
| Memoranda: | ||
| Average total assets | $341,889,250 | 1,938 |
| Average earning assets | $313,467,250 | 1,956 |
| Average equity | $28,931,000 | 2,466 |
| Average total loans | $120,943,000 | 3,056 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1459% | 5,979 |
| Cost of funding earning assets | 0.0972% | 5,863 |
| Net interest margin | 2.0487% | 5,944 |
| Noninterest income to average assets | 7.9281% | 76 |
| Noninterest expense to average assets | 7.9836% | 105 |
| Loan and lease loss provision to assets | -0.0803% | 5,856 |
| Net operating income to assets | 1.1573% | 1,747 |
| Return on assets (ROA) | 1.1596% | 1,846 |
| Pretax return on assets | 1.9000% | 699 |
| Return on Equity (ROE) | 13.5116% | 927 |
| Retained earnings to average equity (ytd only) | 9.9156% | 616 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4680% | 1,334 |
| Assets per employee ($millions) | 2.7294% | 5,663 |
| Cash dividends to net income (ytd only)* | 26.6146% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 4,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 32.5765% | 5,726 |
| Net loans and leases to deposits | 35.8764% | 5,789 |
| Net loans and leases to core deposits | 35.9059% | 5,815 |
| Total domestic deposits to total assets | 90.8022% | 231 |
| Equity capital to assets | 8.4309% | 5,636 |
| Core capital (leverage) ratio | 8.1005% | 5,671 |
| Tier 1 risk-based capital ratio | 12.7746% | 4,329 |
| Total risk-based capital ratio | 13.3235% | 4,701 |
| Memoranda: | ||
| Average total assets | $331,152,000 | 2,012 |
| Average earning assets | $302,526,000 | 2,040 |
| Average equity | $28,420,000 | 2,501 |
| Average total loans | $120,773,670 | 3,066 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1429% | 6,043 |
| Cost of funding earning assets | 0.0927% | 5,941 |
| Net interest margin | 2.0502% | 6,005 |
| Noninterest income to average assets | 8.1716% | 73 |
| Noninterest expense to average assets | 8.4001% | 101 |
| Loan and lease loss provision to assets | -0.0571% | 5,952 |
| Net operating income to assets | 1.0410% | 2,115 |
| Return on assets (ROA) | 1.0433% | 2,223 |
| Pretax return on assets | 1.7004% | 1,068 |
| Return on Equity (ROE) | 12.0419% | 1,305 |
| Retained earnings to average equity (ytd only) | 8.4294% | 1,290 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6694% | 1,189 |
| Assets per employee ($millions) | 2.6716% | 5,746 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 4,588 |
| Loan loss allowance to noncurrent loans | 249.5984% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 5,021 |
| Noncurrent loans to loans | 0.4022% | 3,995 |
| Net loans and leases to total assets | 33.9888% | 5,719 |
| Net loans and leases to deposits | 37.1478% | 5,805 |
| Net loans and leases to core deposits | 37.1772% | 5,836 |
| Total domestic deposits to total assets | 91.4961% | 156 |
| Equity capital to assets | 7.8404% | 5,874 |
| Core capital (leverage) ratio | 8.8798% | 4,982 |
| Tier 1 risk-based capital ratio | 11.5482% | 5,208 |
| Total risk-based capital ratio | 12.0897% | 5,496 |
| Memoranda: | ||
| Average total assets | $322,044,000 | 2,072 |
| Average earning assets | $293,429,000 | 2,101 |
| Average equity | $27,902,500 | 2,537 |
| Average total loans | $123,676,000 | 3,033 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2054% | 6,074 |
| Cost of funding earning assets | 0.1092% | 5,926 |
| Net interest margin | 2.0962% | 6,026 |
| Noninterest income to average assets | 9.3044% | 72 |
| Noninterest expense to average assets | 8.7453% | 94 |
| Loan and lease loss provision to assets | 0.0010% | 4,364 |
| Net operating income to assets | 1.5306% | 808 |
| Return on assets (ROA) | 1.5306% | 841 |
| Pretax return on assets | 2.4785% | 216 |
| Return on Equity (ROE) | 17.0060% | 452 |
| Retained earnings to average equity (ytd only) | 11.8946% | 262 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9099% | 1,983 |
| Assets per employee ($millions) | 2.0999% | 6,025 |
| Cash dividends to net income (ytd only)* | 30.0568% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 4,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 43.1180% | 5,337 |
| Net loans and leases to deposits | 48.4162% | 5,469 |
| Net loans and leases to core deposits | 48.4663% | 5,546 |
| Total domestic deposits to total assets | 89.0569% | 1,093 |
| Equity capital to assets | 9.7518% | 4,240 |
| Core capital (leverage) ratio | 9.2665% | 4,523 |
| Tier 1 risk-based capital ratio | 14.5527% | 3,414 |
| Total risk-based capital ratio | 15.2854% | 3,617 |
| Memoranda: | ||
| Average total assets | $287,790,000 | 2,221 |
| Average earning assets | $263,666,600 | 2,245 |
| Average equity | $25,902,600 | 2,624 |
| Average total loans | $126,009,400 | 2,954 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1855% | 6,169 |
| Cost of funding earning assets | 0.1138% | 6,004 |
| Net interest margin | 2.0717% | 6,114 |
| Noninterest income to average assets | 9.2225% | 74 |
| Noninterest expense to average assets | 8.3931% | 102 |
| Loan and lease loss provision to assets | 0.0282% | 3,678 |
| Net operating income to assets | 1.6681% | 666 |
| Return on assets (ROA) | 1.6681% | 687 |
| Pretax return on assets | 2.7080% | 171 |
| Return on Equity (ROE) | 18.9208% | 337 |
| Retained earnings to average equity (ytd only) | 13.2299% | 264 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4147% | 2,335 |
| Assets per employee ($millions) | 2.1299% | 6,103 |
| Cash dividends to net income (ytd only)* | 30.0775% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 4,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 43.1796% | 5,408 |
| Net loans and leases to deposits | 48.0404% | 5,565 |
| Net loans and leases to core deposits | 48.0888% | 5,652 |
| Total domestic deposits to total assets | 89.8820% | 627 |
| Equity capital to assets | 9.3668% | 4,920 |
| Core capital (leverage) ratio | 8.9204% | 5,090 |
| Tier 1 risk-based capital ratio | 13.8223% | 3,955 |
| Total risk-based capital ratio | 14.5697% | 4,167 |
| Memoranda: | ||
| Average total assets | $288,866,250 | 2,232 |
| Average earning assets | $265,863,750 | 2,245 |
| Average equity | $25,467,000 | 2,681 |
| Average total loans | $126,631,250 | 2,965 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1788% | 6,242 |
| Cost of funding earning assets | 0.1223% | 6,035 |
| Net interest margin | 2.0565% | 6,193 |
| Noninterest income to average assets | 9.2510% | 78 |
| Noninterest expense to average assets | 8.4512% | 102 |
| Loan and lease loss provision to assets | 0.0684% | 2,746 |
| Net operating income to assets | 1.6301% | 707 |
| Return on assets (ROA) | 1.6301% | 735 |
| Pretax return on assets | 2.6380% | 207 |
| Return on Equity (ROE) | 18.8804% | 344 |
| Retained earnings to average equity (ytd only) | 13.2115% | 291 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7435% | 2,408 |
| Assets per employee ($millions) | 2.0893% | 6,196 |
| Cash dividends to net income (ytd only)* | 30.0254% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 4,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 45.1097% | 5,312 |
| Net loans and leases to deposits | 50.2387% | 5,491 |
| Net loans and leases to core deposits | 50.2907% | 5,601 |
| Total domestic deposits to total assets | 89.7908% | 751 |
| Equity capital to assets | 9.2548% | 4,952 |
| Core capital (leverage) ratio | 8.9819% | 4,997 |
| Tier 1 risk-based capital ratio | 13.5155% | 4,210 |
| Total risk-based capital ratio | 14.2993% | 4,407 |
| Memoranda: | ||
| Average total assets | $289,309,670 | 2,241 |
| Average earning assets | $268,223,670 | 2,246 |
| Average equity | $24,978,330 | 2,726 |
| Average total loans | $127,007,000 | 2,964 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0954% | 6,327 |
| Cost of funding earning assets | 0.1320% | 6,047 |
| Net interest margin | 1.9634% | 6,284 |
| Noninterest income to average assets | 9.2074% | 79 |
| Noninterest expense to average assets | 8.3638% | 112 |
| Loan and lease loss provision to assets | 0.0476% | 2,978 |
| Net operating income to assets | 1.6355% | 669 |
| Return on assets (ROA) | 1.6355% | 701 |
| Pretax return on assets | 2.6383% | 199 |
| Return on Equity (ROE) | 19.6145% | 283 |
| Retained earnings to average equity (ytd only) | 15.4533% | 248 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6926% | 2,552 |
| Assets per employee ($millions) | 2.4502% | 6,141 |
| Cash dividends to net income (ytd only)* | 21.2146% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 4,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 41.3289% | 5,526 |
| Net loans and leases to deposits | 45.3333% | 5,690 |
| Net loans and leases to core deposits | 45.3333% | 5,787 |
| Total domestic deposits to total assets | 91.1668% | 301 |
| Equity capital to assets | 8.1818% | 5,944 |
| Core capital (leverage) ratio | 8.2504% | 5,776 |
| Tier 1 risk-based capital ratio | 13.2121% | 4,489 |
| Total risk-based capital ratio | 13.9952% | 4,680 |
| Memoranda: | ||
| Average total assets | $293,982,500 | 2,228 |
| Average earning assets | $275,847,000 | 2,204 |
| Average equity | $24,512,500 | 2,787 |
| Average total loans | $126,672,500 | 2,969 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9764% | 6,424 |
| Cost of funding earning assets | 0.0543% | 6,430 |
| Net interest margin | 1.9220% | 6,386 |
| Noninterest income to average assets | 9.5449% | 69 |
| Noninterest expense to average assets | 8.4724% | 99 |
| Loan and lease loss provision to assets | 0.1404% | 1,889 |
| Net operating income to assets | 1.7195% | 561 |
| Return on assets (ROA) | 1.7195% | 575 |
| Pretax return on assets | 2.7824% | 142 |
| Return on Equity (ROE) | 21.1285% | 202 |
| Retained earnings to average equity (ytd only) | 9.0639% | 692 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3511% | 2,777 |
| Assets per employee ($millions) | 2.2356% | 6,297 |
| Cash dividends to net income (ytd only)* | 57.1012% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 4,924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 44.0757% | 5,459 |
| Net loans and leases to deposits | 49.0048% | 5,633 |
| Net loans and leases to core deposits | 49.0048% | 5,765 |
| Total domestic deposits to total assets | 89.9417% | 757 |
| Equity capital to assets | 8.5080% | 5,751 |
| Core capital (leverage) ratio | 7.6652% | 6,143 |
| Tier 1 risk-based capital ratio | 13.7951% | 4,238 |
| Total risk-based capital ratio | 14.6397% | 4,412 |
| Memoranda: | ||
| Average total assets | $279,260,200 | 2,284 |
| Average earning assets | $268,827,600 | 2,204 |
| Average equity | $22,727,600 | 2,876 |
| Average total loans | $111,116,200 | 3,195 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9076% | 6,508 |
| Cost of funding earning assets | 0.0327% | 6,535 |
| Net interest margin | 1.8749% | 6,471 |
| Noninterest income to average assets | 9.3816% | 71 |
| Noninterest expense to average assets | 8.4777% | 97 |
| Loan and lease loss provision to assets | 0.1555% | 1,597 |
| Net operating income to assets | 1.5761% | 798 |
| Return on assets (ROA) | 1.5761% | 822 |
| Pretax return on assets | 2.5608% | 190 |
| Return on Equity (ROE) | 19.5909% | 307 |
| Retained earnings to average equity (ytd only) | 12.2458% | 397 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7341% | 2,536 |
| Assets per employee ($millions) | 2.3823% | 6,306 |
| Cash dividends to net income (ytd only)* | 37.4925% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 5,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 39.8993% | 5,819 |
| Net loans and leases to deposits | 44.0064% | 5,969 |
| Net loans and leases to core deposits | 44.0064% | 6,039 |
| Total domestic deposits to total assets | 90.6670% | 463 |
| Equity capital to assets | 7.8002% | 6,211 |
| Core capital (leverage) ratio | 8.6735% | 5,476 |
| Tier 1 risk-based capital ratio | 12.6232% | 5,086 |
| Total risk-based capital ratio | 13.3708% | 5,330 |
| Memoranda: | ||
| Average total assets | $278,653,250 | 2,305 |
| Average earning assets | $269,374,750 | 2,216 |
| Average equity | $22,418,000 | 2,913 |
| Average total loans | $107,534,750 | 3,294 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8516% | 6,582 |
| Cost of funding earning assets | 0.0251% | 6,610 |
| Net interest margin | 1.8265% | 6,550 |
| Noninterest income to average assets | 9.5705% | 69 |
| Noninterest expense to average assets | 8.7240% | 91 |
| Loan and lease loss provision to assets | 0.1444% | 1,714 |
| Net operating income to assets | 1.5176% | 844 |
| Return on assets (ROA) | 1.5176% | 878 |
| Pretax return on assets | 2.4731% | 218 |
| Return on Equity (ROE) | 18.6544% | 393 |
| Retained earnings to average equity (ytd only) | 18.6544% | 107 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9211% | 2,467 |
| Assets per employee ($millions) | 1.9869% | 6,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 5,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 44.9783% | 5,465 |
| Net loans and leases to deposits | 50.2316% | 5,619 |
| Net loans and leases to core deposits | 50.3223% | 5,775 |
| Total domestic deposits to total assets | 89.5419% | 1,056 |
| Equity capital to assets | 9.3774% | 4,863 |
| Core capital (leverage) ratio | 8.4519% | 5,683 |
| Tier 1 risk-based capital ratio | 13.9712% | 4,275 |
| Total risk-based capital ratio | 14.7243% | 4,541 |
| Memoranda: | ||
| Average total assets | $271,480,670 | 2,361 |
| Average earning assets | $263,237,000 | 2,260 |
| Average equity | $22,086,000 | 2,939 |
| Average total loans | $103,051,330 | 3,393 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6920% | 6,668 |
| Cost of funding earning assets | 0.0203% | 6,686 |
| Net interest margin | 1.6716% | 6,641 |
| Noninterest income to average assets | 9.0348% | 67 |
| Noninterest expense to average assets | 8.4780% | 98 |
| Loan and lease loss provision to assets | 0.1385% | 1,754 |
| Net operating income to assets | 1.2521% | 1,340 |
| Return on assets (ROA) | 1.2521% | 1,399 |
| Pretax return on assets | 2.0464% | 481 |
| Return on Equity (ROE) | 16.4960% | 592 |
| Retained earnings to average equity (ytd only) | 16.4960% | 243 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5096% | 2,275 |
| Assets per employee ($millions) | 2.3782% | 6,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 5,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 35.6579% | 6,085 |
| Net loans and leases to deposits | 38.8085% | 6,212 |
| Net loans and leases to core deposits | 38.8665% | 6,278 |
| Total domestic deposits to total assets | 91.8816% | 277 |
| Equity capital to assets | 7.5171% | 6,309 |
| Core capital (leverage) ratio | 7.7538% | 6,241 |
| Tier 1 risk-based capital ratio | 13.4641% | 4,715 |
| Total risk-based capital ratio | 14.1629% | 4,993 |
| Memoranda: | ||
| Average total assets | $283,040,000 | 2,277 |
| Average earning assets | $275,658,000 | 2,181 |
| Average equity | $21,484,000 | 2,997 |
| Average total loans | $98,177,000 | 3,511 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8917% | 6,719 |
| Cost of funding earning assets | 0.0206% | 6,774 |
| Net interest margin | 1.8711% | 6,673 |
| Noninterest income to average assets | 10.5213% | 61 |
| Noninterest expense to average assets | 9.3506% | 89 |
| Loan and lease loss provision to assets | 0.0916% | 3,275 |
| Net operating income to assets | 1.7856% | 498 |
| Return on assets (ROA) | 1.7922% | 505 |
| Pretax return on assets | 2.9124% | 134 |
| Return on Equity (ROE) | 20.3557% | 265 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,851 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7484% | 2,816 |
| Assets per employee ($millions) | 2.1885% | 6,568 |
| Cash dividends to net income (ytd only)* | 100.0000% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 5,650 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 32.9583% | 6,337 |
| Net loans and leases to deposits | 36.1581% | 6,420 |
| Net loans and leases to core deposits | 36.2164% | 6,463 |
| Total domestic deposits to total assets | 91.1504% | 516 |
| Equity capital to assets | 7.6689% | 6,200 |
| Core capital (leverage) ratio | 9.6144% | 4,099 |
| Tier 1 risk-based capital ratio | 13.8637% | 4,389 |
| Total risk-based capital ratio | 14.5520% | 4,725 |
| Memoranda: | ||
| Average total assets | $223,803,000 | 2,776 |
| Average earning assets | $218,056,600 | 2,644 |
| Average equity | $19,704,600 | 3,187 |
| Average total loans | $78,386,200 | 3,993 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9680% | 6,799 |
| Cost of funding earning assets | 0.0233% | 6,852 |
| Net interest margin | 1.9447% | 6,739 |
| Noninterest income to average assets | 10.8556% | 64 |
| Noninterest expense to average assets | 9.5170% | 90 |
| Loan and lease loss provision to assets | 0.0435% | 4,141 |
| Net operating income to assets | 1.9733% | 380 |
| Return on assets (ROA) | 1.9826% | 382 |
| Pretax return on assets | 3.2039% | 113 |
| Return on Equity (ROE) | 21.6164% | 219 |
| Retained earnings to average equity (ytd only) | 0.0069% | 5,928 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6438% | 2,961 |
| Assets per employee ($millions) | 1.7164% | 6,761 |
| Cash dividends to net income (ytd only)* | 99.9683% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 5,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 38.4597% | 6,145 |
| Net loans and leases to deposits | 43.4211% | 6,241 |
| Net loans and leases to core deposits | 43.5190% | 6,325 |
| Total domestic deposits to total assets | 88.5737% | 1,796 |
| Equity capital to assets | 9.5768% | 4,448 |
| Core capital (leverage) ratio | 9.2528% | 4,752 |
| Tier 1 risk-based capital ratio | 15.1397% | 3,664 |
| Total risk-based capital ratio | 15.8395% | 3,975 |
| Memoranda: | ||
| Average total assets | $211,363,500 | 2,928 |
| Average earning assets | $205,886,000 | 2,795 |
| Average equity | $19,386,000 | 3,263 |
| Average total loans | $75,219,000 | 4,112 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8947% | 6,852 |
| Cost of funding earning assets | 0.0239% | 6,902 |
| Net interest margin | 1.8709% | 6,799 |
| Noninterest income to average assets | 10.6227% | 66 |
| Noninterest expense to average assets | 9.5086% | 91 |
| Loan and lease loss provision to assets | 0.0912% | 3,267 |
| Net operating income to assets | 1.7575% | 563 |
| Return on assets (ROA) | 1.7712% | 588 |
| Pretax return on assets | 2.8695% | 169 |
| Return on Equity (ROE) | 19.5809% | 342 |
| Retained earnings to average equity (ytd only) | 3.3647% | 4,175 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3870% | 2,727 |
| Assets per employee ($millions) | 1.6171% | 6,825 |
| Cash dividends to net income (ytd only)* | 82.8166% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 5,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 43.2291% | 5,805 |
| Net loans and leases to deposits | 49.2351% | 5,901 |
| Net loans and leases to core deposits | 49.3560% | 6,062 |
| Total domestic deposits to total assets | 87.8015% | 2,381 |
| Equity capital to assets | 10.4600% | 3,356 |
| Core capital (leverage) ratio | 9.3531% | 4,466 |
| Tier 1 risk-based capital ratio | 14.8885% | 3,850 |
| Total risk-based capital ratio | 15.5752% | 4,160 |
| Memoranda: | ||
| Average total assets | $214,878,670 | 2,903 |
| Average earning assets | $209,632,670 | 2,749 |
| Average equity | $19,437,330 | 3,271 |
| Average total loans | $74,294,330 | 4,162 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7529% | 6,942 |
| Cost of funding earning assets | 0.0250% | 6,981 |
| Net interest margin | 1.7279% | 6,905 |
| Noninterest income to average assets | 9.8110% | 72 |
| Noninterest expense to average assets | 8.9511% | 100 |
| Loan and lease loss provision to assets | 0.0384% | 3,952 |
| Net operating income to assets | 1.5437% | 779 |
| Return on assets (ROA) | 1.5471% | 845 |
| Pretax return on assets | 2.5168% | 263 |
| Return on Equity (ROE) | 18.2604% | 417 |
| Retained earnings to average equity (ytd only) | 18.2604% | 190 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8283% | 2,634 |
| Assets per employee ($millions) | 1.7166% | 6,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 6,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 37.5916% | 6,175 |
| Net loans and leases to deposits | 42.2155% | 6,305 |
| Net loans and leases to core deposits | 42.3126% | 6,389 |
| Total domestic deposits to total assets | 89.0469% | 1,655 |
| Equity capital to assets | 10.1815% | 3,920 |
| Core capital (leverage) ratio | 8.2104% | 5,925 |
| Tier 1 risk-based capital ratio | 16.2360% | 3,134 |
| Total risk-based capital ratio | 16.8837% | 3,424 |
| Memoranda: | ||
| Average total assets | $229,335,500 | 2,783 |
| Average earning assets | $224,318,000 | 2,620 |
| Average equity | $19,430,000 | 3,323 |
| Average total loans | $70,852,500 | 4,316 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7502% | 7,008 |
| Cost of funding earning assets | 0.0265% | 7,048 |
| Net interest margin | 1.7237% | 6,973 |
| Noninterest income to average assets | 10.2990% | 70 |
| Noninterest expense to average assets | 9.3421% | 90 |
| Loan and lease loss provision to assets | 0.1396% | 3,864 |
| Net operating income to assets | 1.5496% | 833 |
| Return on assets (ROA) | 1.5683% | 875 |
| Pretax return on assets | 2.5272% | 247 |
| Return on Equity (ROE) | 17.0537% | 531 |
| Retained earnings to average equity (ytd only) | 0.0106% | 5,828 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9837% | 2,448 |
| Assets per employee ($millions) | 2.3272% | 6,758 |
| Cash dividends to net income (ytd only)* | 99.9378% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 5,883 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 25.3779% | 6,823 |
| Net loans and leases to deposits | 27.6173% | 6,883 |
| Net loans and leases to core deposits | 27.6631% | 6,891 |
| Total domestic deposits to total assets | 91.8912% | 267 |
| Equity capital to assets | 7.2004% | 6,723 |
| Core capital (leverage) ratio | 8.2881% | 5,897 |
| Tier 1 risk-based capital ratio | 13.6782% | 4,621 |
| Total risk-based capital ratio | 14.2463% | 5,046 |
| Memoranda: | ||
| Average total assets | $204,932,000 | 2,985 |
| Average earning assets | $199,807,000 | 2,849 |
| Average equity | $18,846,400 | 3,350 |
| Average total loans | $55,518,400 | 4,883 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8395% | 7,115 |
| Cost of funding earning assets | 0.0295% | 7,156 |
| Net interest margin | 1.8100% | 7,073 |
| Noninterest income to average assets | 10.9460% | 69 |
| Noninterest expense to average assets | 10.0119% | 80 |
| Loan and lease loss provision to assets | 0.1078% | 4,221 |
| Net operating income to assets | 1.5983% | 849 |
| Return on assets (ROA) | 1.6202% | 895 |
| Pretax return on assets | 2.6208% | 250 |
| Return on Equity (ROE) | 16.3898% | 683 |
| Retained earnings to average equity (ytd only) | 1.6716% | 5,497 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7954% | 2,264 |
| Assets per employee ($millions) | 1.6332% | 7,068 |
| Cash dividends to net income (ytd only)* | 89.8012% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 6,320 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 31.9274% | 6,748 |
| Net loans and leases to deposits | 35.9694% | 6,814 |
| Net loans and leases to core deposits | 36.0559% | 6,853 |
| Total domestic deposits to total assets | 88.7626% | 1,558 |
| Equity capital to assets | 10.1001% | 4,354 |
| Core capital (leverage) ratio | 9.5319% | 4,223 |
| Tier 1 risk-based capital ratio | 15.4306% | 3,581 |
| Total risk-based capital ratio | 15.9634% | 4,005 |
| Memoranda: | ||
| Average total assets | $190,421,750 | 3,201 |
| Average earning assets | $185,190,500 | 3,050 |
| Average equity | $18,824,250 | 3,390 |
| Average total loans | $52,541,250 | 5,047 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7697% | 7,193 |
| Cost of funding earning assets | 0.0323% | 7,218 |
| Net interest margin | 1.7375% | 7,158 |
| Noninterest income to average assets | 10.9886% | 71 |
| Noninterest expense to average assets | 9.9148% | 82 |
| Loan and lease loss provision to assets | 0.1359% | 3,824 |
| Net operating income to assets | 1.6213% | 806 |
| Return on assets (ROA) | 1.6540% | 829 |
| Pretax return on assets | 2.6787% | 229 |
| Return on Equity (ROE) | 16.8516% | 659 |
| Retained earnings to average equity (ytd only) | 2.0132% | 5,192 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2039% | 2,432 |
| Assets per employee ($millions) | 1.7438% | 7,114 |
| Cash dividends to net income (ytd only)* | 88.0531% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 6,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 30.8530% | 6,849 |
| Net loans and leases to deposits | 34.8761% | 6,899 |
| Net loans and leases to core deposits | 34.8761% | 6,940 |
| Total domestic deposits to total assets | 88.4645% | 1,844 |
| Equity capital to assets | 10.1786% | 4,081 |
| Core capital (leverage) ratio | 9.3887% | 4,315 |
| Tier 1 risk-based capital ratio | 15.9902% | 3,172 |
| Total risk-based capital ratio | 16.5180% | 3,559 |
| Memoranda: | ||
| Average total assets | $191,289,000 | 3,200 |
| Average earning assets | $186,015,670 | 3,040 |
| Average equity | $18,775,670 | 3,389 |
| Average total loans | $49,880,330 | 5,207 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6885% | 7,256 |
| Cost of funding earning assets | 0.0359% | 7,279 |
| Net interest margin | 1.6526% | 7,223 |
| Noninterest income to average assets | 10.9606% | 71 |
| Noninterest expense to average assets | 9.2518% | 91 |
| Loan and lease loss provision to assets | 0.0452% | 4,838 |
| Net operating income to assets | 2.0166% | 405 |
| Return on assets (ROA) | 2.0811% | 419 |
| Pretax return on assets | 3.3725% | 128 |
| Return on Equity (ROE) | 21.5819% | 291 |
| Retained earnings to average equity (ytd only) | 9.5753% | 1,389 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6093% | 3,156 |
| Assets per employee ($millions) | 1.6868% | 7,187 |
| Cash dividends to net income (ytd only)* | 55.6324% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 6,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 24.2235% | 7,078 |
| Net loans and leases to deposits | 27.1358% | 7,108 |
| Net loans and leases to core deposits | 27.2733% | 7,115 |
| Total domestic deposits to total assets | 89.2678% | 1,504 |
| Equity capital to assets | 10.0019% | 4,120 |
| Core capital (leverage) ratio | 8.5339% | 5,535 |
| Tier 1 risk-based capital ratio | 18.6515% | 2,092 |
| Total risk-based capital ratio | 19.1132% | 2,315 |
| Memoranda: | ||
| Average total assets | $194,514,500 | 3,174 |
| Average earning assets | $189,281,500 | 3,025 |
| Average equity | $18,756,500 | 3,385 |
| Average total loans | $46,040,000 | 5,376 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2301% | 7,322 |
| Cost of funding earning assets | 0.0296% | 7,334 |
| Net interest margin | 1.2006% | 7,312 |
| Noninterest income to average assets | 10.1608% | 64 |
| Noninterest expense to average assets | 9.1240% | 85 |
| Loan and lease loss provision to assets | 0.0960% | 5,391 |
| Net operating income to assets | 1.3533% | 1,137 |
| Return on assets (ROA) | 1.3515% | 1,229 |
| Pretax return on assets | 2.1056% | 434 |
| Return on Equity (ROE) | 15.9423% | 613 |
| Retained earnings to average equity (ytd only) | 9.0459% | 787 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5401% | 2,231 |
| Assets per employee ($millions) | 1.7876% | 7,214 |
| Cash dividends to net income (ytd only)* | 43.2588% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 6,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 22.7194% | 7,175 |
| Net loans and leases to deposits | 25.3493% | 7,198 |
| Net loans and leases to core deposits | 25.4714% | 7,202 |
| Total domestic deposits to total assets | 89.6253% | 1,190 |
| Equity capital to assets | 9.2977% | 5,152 |
| Core capital (leverage) ratio | 7.7729% | 6,467 |
| Tier 1 risk-based capital ratio | 17.8101% | 2,263 |
| Total risk-based capital ratio | 18.2424% | 2,566 |
| Memoranda: | ||
| Average total assets | $205,260,200 | 2,996 |
| Average earning assets | $199,656,200 | 2,860 |
| Average equity | $17,400,200 | 3,518 |
| Average total loans | $37,707,400 | 5,797 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1407% | 7,404 |
| Cost of funding earning assets | 0.0291% | 7,409 |
| Net interest margin | 1.1115% | 7,389 |
| Noninterest income to average assets | 10.1108% | 64 |
| Noninterest expense to average assets | 9.1676% | 86 |
| Loan and lease loss provision to assets | 0.1063% | 5,110 |
| Net operating income to assets | 1.1717% | 1,741 |
| Return on assets (ROA) | 1.1692% | 1,866 |
| Pretax return on assets | 1.9139% | 754 |
| Return on Equity (ROE) | 14.1203% | 1,017 |
| Retained earnings to average equity (ytd only) | 7.8965% | 1,542 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9145% | 1,992 |
| Assets per employee ($millions) | 2.2259% | 7,128 |
| Cash dividends to net income (ytd only)* | 44.0771% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 6,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 16.6754% | 7,327 |
| Net loans and leases to deposits | 18.2651% | 7,342 |
| Net loans and leases to core deposits | 18.3525% | 7,338 |
| Total domestic deposits to total assets | 91.2967% | 346 |
| Equity capital to assets | 7.3052% | 6,983 |
| Core capital (leverage) ratio | 7.0327% | 6,950 |
| Tier 1 risk-based capital ratio | 19.9433% | 1,701 |
| Total risk-based capital ratio | 20.4082% | 1,854 |
| Memoranda: | ||
| Average total assets | $206,969,000 | 2,996 |
| Average earning assets | $201,280,750 | 2,842 |
| Average equity | $17,138,000 | 3,561 |
| Average total loans | $35,763,250 | 5,938 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1219% | 7,480 |
| Cost of funding earning assets | 0.0296% | 7,478 |
| Net interest margin | 1.0923% | 7,468 |
| Noninterest income to average assets | 10.7912% | 61 |
| Noninterest expense to average assets | 9.9167% | 75 |
| Loan and lease loss provision to assets | 0.1651% | 4,282 |
| Net operating income to assets | 1.0344% | 2,090 |
| Return on assets (ROA) | 1.0344% | 2,187 |
| Pretax return on assets | 1.7705% | 929 |
| Return on Equity (ROE) | 11.9108% | 1,520 |
| Retained earnings to average equity (ytd only) | 2.4671% | 4,716 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6692% | 1,861 |
| Assets per employee ($millions) | 2.1900% | 7,185 |
| Cash dividends to net income (ytd only)* | 79.2864% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 6,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 17.5293% | 7,394 |
| Net loans and leases to deposits | 19.2000% | 7,409 |
| Net loans and leases to core deposits | 19.2968% | 7,408 |
| Total domestic deposits to total assets | 91.2980% | 395 |
| Equity capital to assets | 7.3687% | 7,006 |
| Core capital (leverage) ratio | 7.7377% | 6,557 |
| Tier 1 risk-based capital ratio | 19.7979% | 1,652 |
| Total risk-based capital ratio | 20.2888% | 1,793 |
| Memoranda: | ||
| Average total assets | $195,085,000 | 3,151 |
| Average earning assets | $189,502,330 | 3,005 |
| Average equity | $16,942,670 | 3,578 |
| Average total loans | $34,074,670 | 6,068 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0856% | 7,542 |
| Cost of funding earning assets | 0.0279% | 7,544 |
| Net interest margin | 1.0577% | 7,530 |
| Noninterest income to average assets | 12.1112% | 61 |
| Noninterest expense to average assets | 10.9201% | 69 |
| Loan and lease loss provision to assets | 0.0675% | 5,146 |
| Net operating income to assets | 1.2451% | 1,398 |
| Return on assets (ROA) | 1.2451% | 1,451 |
| Pretax return on assets | 2.1480% | 434 |
| Return on Equity (ROE) | 13.0563% | 1,180 |
| Retained earnings to average equity (ytd only) | 13.0563% | 580 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1334% | 2,060 |
| Assets per employee ($millions) | 1.8208% | 7,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7231% | 7,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 16.3244% | 7,465 |
| Net loans and leases to deposits | 18.1040% | 7,479 |
| Net loans and leases to core deposits | 18.1040% | 7,474 |
| Total domestic deposits to total assets | 90.1698% | 1,046 |
| Equity capital to assets | 8.6854% | 5,676 |
| Core capital (leverage) ratio | 9.9506% | 3,200 |
| Tier 1 risk-based capital ratio | 22.2160% | 1,192 |
| Total risk-based capital ratio | 22.6049% | 1,309 |
| Memoranda: | ||
| Average total assets | $177,654,000 | 3,421 |
| Average earning assets | $172,069,000 | 3,270 |
| Average equity | $16,942,000 | 3,573 |
| Average total loans | $30,774,500 | 6,304 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1046% | 7,596 |
| Cost of funding earning assets | 0.0358% | 7,610 |
| Net interest margin | 1.0687% | 7,579 |
| Noninterest income to average assets | 11.5684% | 58 |
| Noninterest expense to average assets | 11.1973% | 70 |
| Loan and lease loss provision to assets | 0.0239% | 6,884 |
| Net operating income to assets | 0.7876% | 2,856 |
| Return on assets (ROA) | 0.8282% | 2,819 |
| Pretax return on assets | 1.4410% | 1,537 |
| Return on Equity (ROE) | 7.8467% | 2,757 |
| Retained earnings to average equity (ytd only) | -2.4331% | 6,038 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8762% | 1,405 |
| Assets per employee ($millions) | 1.4522% | 7,553 |
| Cash dividends to net income (ytd only)* | 131.0083% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7125% | 7,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 18.3042% | 7,533 |
| Net loans and leases to deposits | 20.9401% | 7,550 |
| Net loans and leases to core deposits | 20.9401% | 7,546 |
| Total domestic deposits to total assets | 87.4125% | 2,606 |
| Equity capital to assets | 10.6135% | 3,051 |
| Core capital (leverage) ratio | 10.7557% | 2,344 |
| Tier 1 risk-based capital ratio | 26.6826% | 689 |
| Total risk-based capital ratio | 27.1100% | 748 |
| Memoranda: | ||
| Average total assets | $159,262,000 | 3,712 |
| Average earning assets | $153,545,400 | 3,582 |
| Average equity | $16,809,600 | 3,625 |
| Average total loans | $27,685,400 | 6,516 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0677% | 7,722 |
| Cost of funding earning assets | 0.0372% | 7,722 |
| Net interest margin | 1.0305% | 7,702 |
| Noninterest income to average assets | 11.2774% | 59 |
| Noninterest expense to average assets | 11.0797% | 67 |
| Loan and lease loss provision to assets | 0.0183% | 6,869 |
| Net operating income to assets | 0.7150% | 3,351 |
| Return on assets (ROA) | 0.7689% | 3,293 |
| Pretax return on assets | 1.2568% | 2,314 |
| Return on Equity (ROE) | 7.2953% | 3,208 |
| Retained earnings to average equity (ytd only) | -0.0475% | 5,799 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2943% | 1,265 |
| Assets per employee ($millions) | 1.2695% | 7,676 |
| Cash dividends to net income (ytd only)* | 100.6508% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6338% | 7,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 21.3305% | 7,608 |
| Net loans and leases to deposits | 24.7573% | 7,629 |
| Net loans and leases to core deposits | 24.7573% | 7,630 |
| Total domestic deposits to total assets | 86.1583% | 3,000 |
| Equity capital to assets | 12.1160% | 2,083 |
| Core capital (leverage) ratio | 11.5443% | 1,912 |
| Tier 1 risk-based capital ratio | 31.1004% | 469 |
| Total risk-based capital ratio | 31.5388% | 488 |
| Memoranda: | ||
| Average total assets | $159,868,000 | 3,754 |
| Average earning assets | $154,099,500 | 3,621 |
| Average equity | $16,850,500 | 3,667 |
| Average total loans | $27,378,250 | 6,621 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0054% | 7,797 |
| Cost of funding earning assets | 0.0410% | 7,791 |
| Net interest margin | 0.9644% | 7,779 |
| Noninterest income to average assets | 10.9215% | 63 |
| Noninterest expense to average assets | 10.6814% | 70 |
| Loan and lease loss provision to assets | 0.0096% | 6,807 |
| Net operating income to assets | 0.6883% | 3,457 |
| Return on assets (ROA) | 0.7659% | 3,272 |
| Pretax return on assets | 1.2833% | 2,143 |
| Return on Equity (ROE) | 7.5829% | 3,065 |
| Retained earnings to average equity (ytd only) | 2.4959% | 4,568 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1155% | 1,325 |
| Assets per employee ($millions) | 1.3088% | 7,741 |
| Cash dividends to net income (ytd only)* | 67.0846% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5827% | 7,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 21.5634% | 7,671 |
| Net loans and leases to deposits | 24.9861% | 7,699 |
| Net loans and leases to core deposits | 25.0381% | 7,698 |
| Total domestic deposits to total assets | 86.3014% | 2,927 |
| Equity capital to assets | 12.1727% | 1,997 |
| Core capital (leverage) ratio | 10.8807% | 2,339 |
| Tier 1 risk-based capital ratio | 30.5263% | 480 |
| Total risk-based capital ratio | 30.9453% | 509 |
| Memoranda: | ||
| Average total assets | $166,607,330 | 3,662 |
| Average earning assets | $160,934,670 | 3,494 |
| Average equity | $16,827,330 | 3,665 |
| Average total loans | $26,511,670 | 6,718 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8587% | 7,909 |
| Cost of funding earning assets | 0.0436% | 7,893 |
| Net interest margin | 0.8151% | 7,889 |
| Noninterest income to average assets | 10.0439% | 70 |
| Noninterest expense to average assets | 9.5881% | 80 |
| Loan and lease loss provision to assets | -0.0267% | 7,849 |
| Net operating income to assets | 0.7546% | 3,189 |
| Return on assets (ROA) | 0.8983% | 2,624 |
| Pretax return on assets | 1.4965% | 1,533 |
| Return on Equity (ROE) | 9.6665% | 2,217 |
| Retained earnings to average equity (ytd only) | -0.5742% | 5,968 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5057% | 1,539 |
| Assets per employee ($millions) | 1.3558% | 7,838 |
| Cash dividends to net income (ytd only)* | 105.9406% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6557% | 7,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 16.2912% | 7,822 |
| Net loans and leases to deposits | 18.6688% | 7,838 |
| Net loans and leases to core deposits | 18.7653% | 7,828 |
| Total domestic deposits to total assets | 87.2643% | 2,486 |
| Equity capital to assets | 11.5267% | 2,339 |
| Core capital (leverage) ratio | 10.2149% | 2,915 |
| Tier 1 risk-based capital ratio | 31.9443% | 441 |
| Total risk-based capital ratio | 32.3600% | 463 |
| Memoranda: | ||
| Average total assets | $179,889,500 | 3,500 |
| Average earning assets | $174,220,500 | 3,334 |
| Average equity | $16,717,500 | 3,714 |
| Average total loans | $24,580,000 | 6,908 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1495% | 7,963 |
| Cost of funding earning assets | 0.1080% | 7,962 |
| Net interest margin | 1.0415% | 7,928 |
| Noninterest income to average assets | 10.9986% | 63 |
| Noninterest expense to average assets | 11.2933% | 82 |
| Loan and lease loss provision to assets | 0.0694% | 6,883 |
| Net operating income to assets | 0.3492% | 4,321 |
| Return on assets (ROA) | 0.5068% | 3,798 |
| Pretax return on assets | 0.8859% | 2,966 |
| Return on Equity (ROE) | 4.8398% | 3,744 |
| Retained earnings to average equity (ytd only) | 3.8331% | 2,516 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0917% | 1,410 |
| Assets per employee ($millions) | 2.0255% | 7,716 |
| Cash dividends to net income (ytd only)* | 20.8010% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6622% | 7,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 11.7379% | 7,926 |
| Net loans and leases to deposits | 12.8170% | 7,936 |
| Net loans and leases to core deposits | 12.9162% | 7,941 |
| Total domestic deposits to total assets | 91.5806% | 354 |
| Equity capital to assets | 7.7841% | 6,782 |
| Core capital (leverage) ratio | 8.8592% | 4,663 |
| Tier 1 risk-based capital ratio | 23.2836% | 1,010 |
| Total risk-based capital ratio | 23.5563% | 1,096 |
| Memoranda: | ||
| Average total assets | $152,719,200 | 3,914 |
| Average earning assets | $147,196,600 | 3,761 |
| Average equity | $15,992,400 | 3,873 |
| Average total loans | $23,268,000 | 7,012 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2979% | 8,054 |
| Cost of funding earning assets | 0.1254% | 8,048 |
| Net interest margin | 1.1725% | 7,993 |
| Noninterest income to average assets | 11.8025% | 61 |
| Noninterest expense to average assets | 12.5905% | 80 |
| Loan and lease loss provision to assets | 0.0981% | 6,387 |
| Net operating income to assets | 0.1950% | 5,178 |
| Return on assets (ROA) | 0.4946% | 4,104 |
| Pretax return on assets | 0.6053% | 4,167 |
| Return on Equity (ROE) | 4.2919% | 4,254 |
| Retained earnings to average equity (ytd only) | 2.9344% | 3,680 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3846% | 1,192 |
| Assets per employee ($millions) | 1.0852% | 8,031 |
| Cash dividends to net income (ytd only)* | 31.6304% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6857% | 7,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 20.5242% | 7,947 |
| Net loans and leases to deposits | 24.3439% | 7,968 |
| Net loans and leases to core deposits | 24.6258% | 7,971 |
| Total domestic deposits to total assets | 84.3093% | 3,574 |
| Equity capital to assets | 14.2059% | 1,234 |
| Core capital (leverage) ratio | 9.8102% | 3,506 |
| Tier 1 risk-based capital ratio | 28.5231% | 652 |
| Total risk-based capital ratio | 28.8429% | 688 |
| Memoranda: | ||
| Average total assets | $137,222,250 | 4,206 |
| Average earning assets | $131,796,000 | 4,074 |
| Average equity | $15,812,250 | 3,953 |
| Average total loans | $22,742,500 | 7,109 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2053% | 8,151 |
| Cost of funding earning assets | 0.1322% | 8,142 |
| Net interest margin | 1.0732% | 8,091 |
| Noninterest income to average assets | 10.8367% | 69 |
| Noninterest expense to average assets | 11.9610% | 92 |
| Loan and lease loss provision to assets | 0.0899% | 6,273 |
| Net operating income to assets | -0.0436% | 5,914 |
| Return on assets (ROA) | 0.0166% | 5,870 |
| Pretax return on assets | -0.0871% | 5,980 |
| Return on Equity (ROE) | 0.1535% | 5,870 |
| Retained earnings to average equity (ytd only) | -1.9059% | 5,713 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7690% | 1,137 |
| Assets per employee ($millions) | 1.2539% | 8,104 |
| Cash dividends to net income (ytd only)* | 1,341.6667% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5828% | 7,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 15.9984% | 8,072 |
| Net loans and leases to deposits | 18.3732% | 8,093 |
| Net loans and leases to core deposits | 18.4689% | 8,097 |
| Total domestic deposits to total assets | 87.0743% | 2,216 |
| Equity capital to assets | 11.6526% | 2,419 |
| Core capital (leverage) ratio | 11.4214% | 2,124 |
| Tier 1 risk-based capital ratio | 23.5020% | 1,087 |
| Total risk-based capital ratio | 23.7195% | 1,156 |
| Memoranda: | ||
| Average total assets | $144,619,670 | 4,091 |
| Average earning assets | $139,215,330 | 3,964 |
| Average equity | $15,636,000 | 3,993 |
| Average total loans | $22,399,330 | 7,188 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1146% | 8,214 |
| Cost of funding earning assets | 0.1751% | 8,186 |
| Net interest margin | 0.9395% | 8,170 |
| Noninterest income to average assets | 10.5750% | 65 |
| Noninterest expense to average assets | 11.6339% | 90 |
| Loan and lease loss provision to assets | 0.1742% | 4,719 |
| Net operating income to assets | -0.3270% | 6,715 |
| Return on assets (ROA) | -0.3270% | 6,789 |
| Pretax return on assets | -0.3270% | 6,696 |
| Return on Equity (ROE) | -3.1354% | 6,792 |
| Retained earnings to average equity (ytd only) | -5.1915% | 6,576 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3308% | 1,074 |
| Assets per employee ($millions) | 1.1636% | 8,165 |
| Cash dividends to net income (ytd only)* | -65.5738% | 8,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5200% | 7,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 19.3351% | 8,091 |
| Net loans and leases to deposits | 22.4807% | 8,121 |
| Net loans and leases to core deposits | 22.6080% | 8,129 |
| Total domestic deposits to total assets | 86.0076% | 2,718 |
| Equity capital to assets | 12.3540% | 2,054 |
| Core capital (leverage) ratio | 9.0997% | 4,560 |
| Tier 1 risk-based capital ratio | 25.0047% | 982 |
| Total risk-based capital ratio | 25.2370% | 1,056 |
| Memoranda: | ||
| Average total assets | $149,219,500 | 4,024 |
| Average earning assets | $143,910,000 | 3,878 |
| Average equity | $15,564,000 | 4,028 |
| Average total loans | $22,703,000 | 7,200 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9207% | 8,179 |
| Cost of funding earning assets | 0.7154% | 8,142 |
| Net interest margin | 2.2053% | 7,956 |
| Noninterest income to average assets | 24.4044% | 43 |
| Noninterest expense to average assets | 21.4634% | 51 |
| Loan and lease loss provision to assets | 0.0771% | 6,435 |
| Net operating income to assets | 3.1677% | 62 |
| Return on assets (ROA) | 3.0715% | 63 |
| Pretax return on assets | 4.7583% | 51 |
| Return on Equity (ROE) | 17.2841% | 603 |
| Retained earnings to average equity (ytd only) | 13.2131% | 153 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1478% | 2,421 |
| Assets per employee ($millions) | 1.5997% | 8,135 |
| Cash dividends to net income (ytd only)* | 23.5532% | 4,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2955% | 8,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 12.1079% | 8,206 |
| Net loans and leases to deposits | 13.4727% | 8,220 |
| Net loans and leases to core deposits | 13.7247% | 8,219 |
| Total domestic deposits to total assets | 89.8704% | 706 |
| Equity capital to assets | 9.0310% | 5,334 |
| Core capital (leverage) ratio | 9.3646% | 4,212 |
| Tier 1 risk-based capital ratio | 35.8607% | 424 |
| Total risk-based capital ratio | 36.0223% | 439 |
| Memoranda: | ||
| Average total assets | $80,448,600 | 5,688 |
| Average earning assets | $74,503,200 | 5,643 |
| Average equity | $14,296,400 | 4,270 |
| Average total loans | $9,870,600 | 7,948 |