Home > Bank of Central Florida > Performance and Condition Ratios
Bank of Central Florida, 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 | 4.5477% | 3,016 |
| Cost of funding earning assets | 1.4201% | 2,173 |
| Net interest margin | 3.1275% | 3,031 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.9632% | 3,707 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.9290% | 2,453 |
| Return on assets (ROA) | 0.9282% | 2,429 |
| Pretax return on assets | 1.1233% | 2,336 |
| Return on Equity (ROE) | 13.6500% | 1,573 |
| Retained earnings to average equity (ytd only) | 8.8724% | 1,285 |
| Net charge-offs to loans | -0.0083% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.5589% | 2,899 |
| Assets per employee ($millions) | 11.2103% | 505 |
| Cash dividends to net income (ytd only)* | 35.0087% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 3,552 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.3400% | 2,430 |
| Net loans and leases to deposits | 69.4064% | 2,925 |
| Net loans and leases to core deposits | 85.1960% | 2,366 |
| Total domestic deposits to total assets | 92.7100% | 208 |
| Equity capital to assets | 6.4197% | 4,144 |
| Core capital (leverage) ratio | 8.1125% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5792% | 2,385 |
| Memoranda: | ||
| Average total assets | $1,052,440,000 | 938 |
| Average earning assets | $1,008,012,200 | 899 |
| Average equity | $71,559,000 | 1,229 |
| Average total loans | $663,421,000 | 1,009 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 2,951 |
| Cost of funding earning assets | 1.3704% | 1,947 |
| Net interest margin | 3.1077% | 3,129 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.0149% | 3,556 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.8791% | 2,759 |
| Return on assets (ROA) | 0.8780% | 2,747 |
| Pretax return on assets | 1.0200% | 2,798 |
| Return on Equity (ROE) | 12.7200% | 1,955 |
| Retained earnings to average equity (ytd only) | 6.3578% | 2,513 |
| Net charge-offs to loans | -0.0082% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.4885% | 2,563 |
| Assets per employee ($millions) | 11.0783% | 487 |
| Cash dividends to net income (ytd only)* | 50.0293% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,405 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 62.3300% | 2,619 |
| Net loans and leases to deposits | 67.1991% | 3,044 |
| Net loans and leases to core deposits | 79.0363% | 2,670 |
| Total domestic deposits to total assets | 92.7600% | 339 |
| Equity capital to assets | 6.4806% | 3,836 |
| Core capital (leverage) ratio | 8.7720% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8343% | 1,956 |
| Memoranda: | ||
| Average total assets | $1,038,095,000 | 951 |
| Average earning assets | $993,553,500 | 913 |
| Average equity | $71,637,000 | 1,223 |
| Average total loans | $649,044,750 | 1,024 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4834% | 2,691 |
| Cost of funding earning assets | 1.3330% | 1,625 |
| Net interest margin | 3.1504% | 3,105 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.0657% | 3,431 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.8680% | 2,862 |
| Return on assets (ROA) | 0.8663% | 2,868 |
| Pretax return on assets | 0.9951% | 2,925 |
| Return on Equity (ROE) | 12.2900% | 2,068 |
| Retained earnings to average equity (ytd only) | 6.4055% | 2,473 |
| Net charge-offs to loans | -0.0104% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.1278% | 2,473 |
| Assets per employee ($millions) | 10.5267% | 571 |
| Cash dividends to net income (ytd only)* | 47.8771% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 3,447 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 63.0400% | 2,482 |
| Net loans and leases to deposits | 68.4621% | 2,900 |
| Net loans and leases to core deposits | 79.0263% | 2,540 |
| Total domestic deposits to total assets | 92.0900% | 395 |
| Equity capital to assets | 7.0992% | 3,741 |
| Core capital (leverage) ratio | 8.5196% | 4,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2214% | 1,808 |
| Memoranda: | ||
| Average total assets | $1,022,236,000 | 949 |
| Average earning assets | $978,088,000 | 913 |
| Average equity | $72,063,333 | 1,214 |
| Average total loans | $637,552,333 | 1,025 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 2,579 |
| Cost of funding earning assets | 1.2126% | 1,424 |
| Net interest margin | 3.1758% | 3,171 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.9313% | 3,789 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 0.8770% | 2,934 |
| Return on assets (ROA) | 0.8739% | 2,896 |
| Pretax return on assets | 1.1597% | 2,539 |
| Return on Equity (ROE) | 12.4400% | 2,107 |
| Retained earnings to average equity (ytd only) | 0.5764% | 3,939 |
| Net charge-offs to loans | -0.0172% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.0292% | 3,071 |
| Assets per employee ($millions) | 11.5486% | 449 |
| Cash dividends to net income (ytd only)* | 95.3666% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9675% | 3,644 |
| 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 | 58.7700% | 2,789 |
| Net loans and leases to deposits | 63.6002% | 3,122 |
| Net loans and leases to core deposits | 73.5765% | 2,708 |
| Total domestic deposits to total assets | 92.4000% | 422 |
| Equity capital to assets | 6.8282% | 3,896 |
| Core capital (leverage) ratio | 8.4112% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8128% | 2,463 |
| Memoranda: | ||
| Average total assets | $1,017,548,000 | 971 |
| Average earning assets | $973,476,500 | 936 |
| Average equity | $71,477,000 | 1,230 |
| Average total loans | $627,881,500 | 1,045 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2860% | 3,621 |
| Cost of funding earning assets | 0.3318% | 2,618 |
| Net interest margin | 2.9542% | 3,562 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.8015% | 4,028 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.8901% | 3,006 |
| Return on assets (ROA) | 0.8901% | 2,945 |
| Pretax return on assets | 1.1478% | 2,612 |
| Return on Equity (ROE) | 13.7400% | 1,592 |
| Retained earnings to average equity (ytd only) | 10.2449% | 1,082 |
| Net charge-offs to loans | 0.0106% | 1,980 |
| Credit loss provision to net charge-offs | 1,473.2143% | 335 |
| Earnings coverage of net charge-offs (x) | 219.6964% | 610 |
| Efficiency ratio | 59.4215% | 3,129 |
| Assets per employee ($millions) | 10.3341% | 606 |
| Cash dividends to net income (ytd only)* | 25.4241% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 3,697 |
| 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 | 63.7600% | 2,267 |
| Net loans and leases to deposits | 69.6452% | 2,612 |
| Net loans and leases to core deposits | 70.5634% | 2,833 |
| Total domestic deposits to total assets | 91.5400% | 775 |
| Equity capital to assets | 7.2438% | 3,526 |
| Core capital (leverage) ratio | 8.3852% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1097% | 2,324 |
| Memoranda: | ||
| Average total assets | $1,000,030,800 | 978 |
| Average earning assets | $959,226,800 | 940 |
| Average equity | $64,793,000 | 1,324 |
| Average total loans | $530,140,000 | 1,128 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9595% | 3,966 |
| Cost of funding earning assets | 0.1781% | 3,536 |
| Net interest margin | 2.7814% | 3,776 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.6992% | 4,151 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8791% | 2,968 |
| Return on assets (ROA) | 0.8791% | 2,938 |
| Pretax return on assets | 1.1090% | 2,690 |
| Return on Equity (ROE) | 13.9600% | 1,438 |
| Retained earnings to average equity (ytd only) | 9.2155% | 1,573 |
| Net charge-offs to loans | -0.0102% | 3,722 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.0511% | 3,236 |
| Assets per employee ($millions) | 11.9637% | 389 |
| Cash dividends to net income (ytd only)* | 33.9892% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 3,542 |
| 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 | 49.9200% | 3,467 |
| Net loans and leases to deposits | 53.4659% | 3,635 |
| Net loans and leases to core deposits | 53.9074% | 3,752 |
| Total domestic deposits to total assets | 93.3600% | 484 |
| Equity capital to assets | 6.1342% | 3,911 |
| Core capital (leverage) ratio | 7.8968% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1598% | 1,988 |
| Memoranda: | ||
| Average total assets | $1,009,770,250 | 976 |
| Average earning assets | $969,565,750 | 939 |
| Average equity | $63,586,750 | 1,355 |
| Average total loans | $508,069,000 | 1,162 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7010% | 4,138 |
| Cost of funding earning assets | 0.0817% | 4,360 |
| Net interest margin | 2.6193% | 3,874 |
| Noninterest income to average assets | 0.2152% | 3,916 |
| Noninterest expense to average assets | 1.7150% | 4,121 |
| Loan and lease loss provision to assets | 0.0510% | 1,667 |
| Net operating income to assets | 0.7743% | 3,049 |
| Return on assets (ROA) | 0.7743% | 3,013 |
| Pretax return on assets | 0.9628% | 2,862 |
| Return on Equity (ROE) | 12.1779% | 1,624 |
| Retained earnings to average equity (ytd only) | 4.9103% | 2,737 |
| Net charge-offs to loans | -0.0089% | 3,550 |
| Credit loss provision to net charge-offs | -1,136.3636% | 3,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8479% | 2,934 |
| Assets per employee ($millions) | 11.2294% | 463 |
| Cash dividends to net income (ytd only)* | 59.6783% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 3,671 |
| 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 | 54.1153% | 2,951 |
| Net loans and leases to deposits | 57.8223% | 3,239 |
| Net loans and leases to core deposits | 58.4206% | 3,395 |
| Total domestic deposits to total assets | 93.5890% | 369 |
| Equity capital to assets | 5.8556% | 4,251 |
| Core capital (leverage) ratio | 7.1471% | 4,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1818% | 2,421 |
| Memoranda: | ||
| Average total assets | $979,474,667 | 995 |
| Average earning assets | $939,948,333 | 968 |
| Average equity | $62,277,000 | 1,407 |
| Average total loans | $492,461,000 | 1,182 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4875% | 4,281 |
| Cost of funding earning assets | 0.0965% | 4,179 |
| Net interest margin | 2.3910% | 4,093 |
| Noninterest income to average assets | 0.1849% | 4,051 |
| Noninterest expense to average assets | 1.6757% | 4,171 |
| Loan and lease loss provision to assets | 0.0304% | 1,821 |
| Net operating income to assets | 0.6180% | 3,337 |
| Return on assets (ROA) | 0.6180% | 3,321 |
| Pretax return on assets | 0.7786% | 3,177 |
| Return on Equity (ROE) | 9.3582% | 2,194 |
| Retained earnings to average equity (ytd only) | 1.3755% | 3,729 |
| Net charge-offs to loans | -0.0093% | 3,556 |
| Credit loss provision to net charge-offs | -681.8182% | 3,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4392% | 2,577 |
| Assets per employee ($millions) | 12.1638% | 378 |
| Cash dividends to net income (ytd only)* | 85.3018% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 3,663 |
| 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 | 48.4253% | 3,341 |
| Net loans and leases to deposits | 51.7240% | 3,584 |
| Net loans and leases to core deposits | 52.1796% | 3,720 |
| Total domestic deposits to total assets | 93.6225% | 150 |
| Equity capital to assets | 6.0405% | 4,573 |
| Core capital (leverage) ratio | 7.2730% | 4,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0422% | 2,593 |
| Memoranda: | ||
| Average total assets | $986,347,000 | 992 |
| Average earning assets | $948,736,500 | 965 |
| Average equity | $65,141,000 | 1,401 |
| Average total loans | $474,792,000 | 1,210 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5563% | 4,442 |
| Cost of funding earning assets | 0.1322% | 4,135 |
| Net interest margin | 2.4241% | 4,294 |
| Noninterest income to average assets | 0.2576% | 3,833 |
| Noninterest expense to average assets | 1.6878% | 4,313 |
| Loan and lease loss provision to assets | -0.0923% | 4,513 |
| Net operating income to assets | 0.7893% | 3,363 |
| Return on assets (ROA) | 0.7893% | 3,436 |
| Pretax return on assets | 0.9949% | 3,271 |
| Return on Equity (ROE) | 10.5745% | 2,317 |
| Retained earnings to average equity (ytd only) | 6.9002% | 1,960 |
| Net charge-offs to loans | 0.0085% | 2,263 |
| Credit loss provision to net charge-offs | -2,162.1622% | 4,069 |
| Earnings coverage of net charge-offs (x) | 211.3514% | 518 |
| Efficiency ratio | 65.1562% | 2,378 |
| Assets per employee ($millions) | 11.8901% | 409 |
| Cash dividends to net income (ytd only)* | 34.7470% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 3,446 |
| 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 | 46.8032% | 3,622 |
| Net loans and leases to deposits | 50.6632% | 3,840 |
| Net loans and leases to core deposits | 51.4830% | 3,931 |
| Total domestic deposits to total assets | 92.3809% | 108 |
| Equity capital to assets | 7.1952% | 4,680 |
| Core capital (leverage) ratio | 7.5219% | 4,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7689% | 1,590 |
| Memoranda: | ||
| Average total assets | $866,382,400 | 1,075 |
| Average earning assets | $833,742,400 | 1,047 |
| Average equity | $64,664,800 | 1,435 |
| Average total loans | $436,642,400 | 1,295 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6253% | 4,484 |
| Cost of funding earning assets | 0.1366% | 4,217 |
| Net interest margin | 2.4887% | 4,296 |
| Noninterest income to average assets | 0.2231% | 4,072 |
| Noninterest expense to average assets | 1.6626% | 4,389 |
| Loan and lease loss provision to assets | -0.1267% | 4,656 |
| Net operating income to assets | 0.8482% | 3,395 |
| Return on assets (ROA) | 0.8482% | 3,452 |
| Pretax return on assets | 1.0809% | 3,240 |
| Return on Equity (ROE) | 11.2489% | 2,292 |
| Retained earnings to average equity (ytd only) | 6.2606% | 2,718 |
| Net charge-offs to loans | 0.0145% | 1,800 |
| Credit loss provision to net charge-offs | -1,702.1277% | 3,965 |
| Earnings coverage of net charge-offs (x) | 128.2553% | 747 |
| Efficiency ratio | 63.5330% | 2,464 |
| Assets per employee ($millions) | 11.3769% | 439 |
| Cash dividends to net income (ytd only)* | 44.3449% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 3,123 |
| 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 | 46.7516% | 3,735 |
| Net loans and leases to deposits | 50.9147% | 3,961 |
| Net loans and leases to core deposits | 51.8840% | 4,044 |
| Total domestic deposits to total assets | 91.8235% | 160 |
| Equity capital to assets | 7.7976% | 4,611 |
| Core capital (leverage) ratio | 7.8294% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5037% | 1,250 |
| Memoranda: | ||
| Average total assets | $842,204,250 | 1,109 |
| Average earning assets | $810,088,500 | 1,082 |
| Average equity | $63,506,750 | 1,469 |
| Average total loans | $431,883,500 | 1,324 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6935% | 4,465 |
| Cost of funding earning assets | 0.1404% | 4,275 |
| Net interest margin | 2.5531% | 4,246 |
| Noninterest income to average assets | 0.2435% | 3,938 |
| Noninterest expense to average assets | 1.6462% | 4,450 |
| Loan and lease loss provision to assets | -0.1934% | 4,748 |
| Net operating income to assets | 0.9761% | 2,973 |
| Return on assets (ROA) | 0.9761% | 3,058 |
| Pretax return on assets | 1.2484% | 2,774 |
| Return on Equity (ROE) | 13.1049% | 1,672 |
| Retained earnings to average equity (ytd only) | 7.9597% | 2,088 |
| Net charge-offs to loans | -0.0124% | 3,761 |
| Credit loss provision to net charge-offs | 2,962.9630% | 212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9435% | 2,879 |
| Assets per employee ($millions) | 11.9199% | 360 |
| Cash dividends to net income (ytd only)* | 39.2618% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 3,021 |
| Loan loss allowance to noncurrent loans | 5,933.3333% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 4,246 |
| Noncurrent loans to loans | 0.0200% | 4,121 |
| Net loans and leases to total assets | 47.0918% | 3,815 |
| Net loans and leases to deposits | 51.2519% | 4,032 |
| Net loans and leases to core deposits | 52.2285% | 4,120 |
| Total domestic deposits to total assets | 91.8830% | 148 |
| Equity capital to assets | 7.7819% | 4,639 |
| Core capital (leverage) ratio | 7.9595% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2936% | 1,067 |
| Memoranda: | ||
| Average total assets | $827,139,000 | 1,123 |
| Average earning assets | $796,211,667 | 1,097 |
| Average equity | $61,610,333 | 1,494 |
| Average total loans | $435,916,667 | 1,318 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8204% | 4,356 |
| Cost of funding earning assets | 0.1423% | 4,362 |
| Net interest margin | 2.6781% | 4,011 |
| Noninterest income to average assets | 0.2246% | 4,038 |
| Noninterest expense to average assets | 1.6212% | 4,504 |
| Loan and lease loss provision to assets | -0.2001% | 4,811 |
| Net operating income to assets | 1.0829% | 2,532 |
| Return on assets (ROA) | 1.0829% | 2,612 |
| Pretax return on assets | 1.3826% | 2,331 |
| Return on Equity (ROE) | 14.9067% | 1,235 |
| Retained earnings to average equity (ytd only) | 3.2568% | 3,700 |
| Net charge-offs to loans | -0.0135% | 3,806 |
| Credit loss provision to net charge-offs | 2,666.6667% | 199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8234% | 3,330 |
| Assets per employee ($millions) | 11.9018% | 358 |
| Cash dividends to net income (ytd only)* | 78.1524% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,814 |
| Loan loss allowance to noncurrent loans | 6,320.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 4,313 |
| Noncurrent loans to loans | 0.0193% | 4,190 |
| Net loans and leases to total assets | 52.1788% | 3,430 |
| Net loans and leases to deposits | 56.2423% | 3,774 |
| Net loans and leases to core deposits | 57.7227% | 3,854 |
| Total domestic deposits to total assets | 92.7751% | 49 |
| Equity capital to assets | 6.9257% | 4,862 |
| Core capital (leverage) ratio | 7.2753% | 4,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6081% | 1,702 |
| Memoranda: | ||
| Average total assets | $799,672,000 | 1,143 |
| Average earning assets | $770,094,000 | 1,111 |
| Average equity | $58,094,500 | 1,560 |
| Average total loans | $443,691,000 | 1,296 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2784% | 4,359 |
| Cost of funding earning assets | 0.2091% | 4,554 |
| Net interest margin | 3.0693% | 3,697 |
| Noninterest income to average assets | 0.1703% | 4,435 |
| Noninterest expense to average assets | 1.7449% | 4,552 |
| Loan and lease loss provision to assets | 0.3272% | 1,104 |
| Net operating income to assets | 0.8323% | 2,970 |
| Return on assets (ROA) | 0.8895% | 2,877 |
| Pretax return on assets | 1.1134% | 2,639 |
| Return on Equity (ROE) | 11.7140% | 1,404 |
| Retained earnings to average equity (ytd only) | 7.7290% | 1,136 |
| Net charge-offs to loans | -0.0113% | 4,283 |
| Credit loss provision to net charge-offs | -4,542.0000% | 4,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0317% | 3,984 |
| Assets per employee ($millions) | 10.9459% | 406 |
| Cash dividends to net income (ytd only)* | 34.0191% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 2,479 |
| Loan loss allowance to noncurrent loans | 6,467.4157% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 4,365 |
| Noncurrent loans to loans | 0.0199% | 4,262 |
| Net loans and leases to total assets | 57.6257% | 3,134 |
| Net loans and leases to deposits | 62.5969% | 3,564 |
| Net loans and leases to core deposits | 64.5897% | 3,655 |
| Total domestic deposits to total assets | 92.0585% | 64 |
| Equity capital to assets | 7.6335% | 4,817 |
| Core capital (leverage) ratio | 7.3784% | 4,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8103% | 2,311 |
| Memoranda: | ||
| Average total assets | $693,970,200 | 1,190 |
| Average earning assets | $665,599,200 | 1,156 |
| Average equity | $52,697,600 | 1,608 |
| Average total loans | $443,853,400 | 1,242 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7586% | 3,665 |
| Cost of funding earning assets | 0.2281% | 4,580 |
| Net interest margin | 3.5306% | 2,483 |
| Noninterest income to average assets | 0.1718% | 4,439 |
| Noninterest expense to average assets | 1.7661% | 4,547 |
| Loan and lease loss provision to assets | 0.8048% | 224 |
| Net operating income to assets | 0.7924% | 3,119 |
| Return on assets (ROA) | 0.8707% | 2,949 |
| Pretax return on assets | 1.0822% | 2,803 |
| Return on Equity (ROE) | 11.4833% | 1,521 |
| Retained earnings to average equity (ytd only) | 6.0200% | 2,099 |
| Net charge-offs to loans | -0.0108% | 4,243 |
| Credit loss provision to net charge-offs | -11,333.3333% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6754% | 4,516 |
| Assets per employee ($millions) | 11.8004% | 335 |
| Cash dividends to net income (ytd only)* | 47.5759% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 1,275 |
| Loan loss allowance to noncurrent loans | 7,705.1020% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 4,432 |
| Noncurrent loans to loans | 0.0200% | 4,335 |
| Net loans and leases to total assets | 61.1326% | 3,100 |
| Net loans and leases to deposits | 65.9784% | 3,625 |
| Net loans and leases to core deposits | 71.5913% | 3,512 |
| Total domestic deposits to total assets | 92.6554% | 20 |
| Equity capital to assets | 7.1646% | 4,924 |
| Core capital (leverage) ratio | 7.3000% | 4,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2598% | 1,742 |
| Memoranda: | ||
| Average total assets | $675,909,000 | 1,198 |
| Average earning assets | $647,738,250 | 1,161 |
| Average equity | $51,249,750 | 1,644 |
| Average total loans | $442,993,500 | 1,235 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 2,317 |
| Cost of funding earning assets | 0.2617% | 4,588 |
| Net interest margin | 4.0981% | 1,120 |
| Noninterest income to average assets | 0.1785% | 4,396 |
| Noninterest expense to average assets | 1.8593% | 4,469 |
| Loan and lease loss provision to assets | 1.2797% | 122 |
| Net operating income to assets | 0.7788% | 3,115 |
| Return on assets (ROA) | 0.9049% | 2,796 |
| Pretax return on assets | 1.1141% | 2,670 |
| Return on Equity (ROE) | 11.6680% | 1,428 |
| Retained earnings to average equity (ytd only) | 6.0059% | 2,080 |
| Net charge-offs to loans | -0.0117% | 4,243 |
| Credit loss provision to net charge-offs | -16,320.0000% | 4,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3766% | 4,756 |
| Assets per employee ($millions) | 11.1284% | 372 |
| Cash dividends to net income (ytd only)* | 48.5269% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 1,161 |
| Loan loss allowance to noncurrent loans | 7,616.1616% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 4,505 |
| Noncurrent loans to loans | 0.0202% | 4,413 |
| Net loans and leases to total assets | 64.8486% | 2,775 |
| Net loans and leases to deposits | 69.8408% | 3,434 |
| Net loans and leases to core deposits | 75.8373% | 3,296 |
| Total domestic deposits to total assets | 92.8520% | 20 |
| Equity capital to assets | 6.8080% | 4,993 |
| Core capital (leverage) ratio | 7.2489% | 4,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6884% | 2,319 |
| Memoranda: | ||
| Average total assets | $637,669,667 | 1,239 |
| Average earning assets | $609,797,000 | 1,207 |
| Average equity | $49,451,333 | 1,686 |
| Average total loans | $427,030,667 | 1,263 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6652% | 4,449 |
| Cost of funding earning assets | 0.3395% | 4,549 |
| Net interest margin | 3.3257% | 3,529 |
| Noninterest income to average assets | 0.2063% | 4,313 |
| Noninterest expense to average assets | 2.0305% | 4,344 |
| Loan and lease loss provision to assets | 0.2090% | 1,466 |
| Net operating income to assets | 0.9059% | 2,504 |
| Return on assets (ROA) | 0.9059% | 2,610 |
| Pretax return on assets | 1.1355% | 2,411 |
| Return on Equity (ROE) | 10.8368% | 1,463 |
| Retained earnings to average equity (ytd only) | -0.6394% | 4,097 |
| Net charge-offs to loans | -0.0132% | 4,177 |
| Credit loss provision to net charge-offs | -2,346.1538% | 3,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1624% | 3,718 |
| Assets per employee ($millions) | 8.6374% | 601 |
| Cash dividends to net income (ytd only)* | 105.9002% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 4,011 |
| Loan loss allowance to noncurrent loans | 3,715.8416% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 4,555 |
| Noncurrent loans to loans | 0.0250% | 4,470 |
| Net loans and leases to total assets | 67.1521% | 2,684 |
| Net loans and leases to deposits | 73.5081% | 3,321 |
| Net loans and leases to core deposits | 80.3041% | 3,170 |
| Total domestic deposits to total assets | 91.3534% | 76 |
| Equity capital to assets | 8.3046% | 4,899 |
| Core capital (leverage) ratio | 8.6572% | 4,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3401% | 2,994 |
| Memoranda: | ||
| Average total assets | $583,703,000 | 1,286 |
| Average earning assets | $556,151,500 | 1,257 |
| Average equity | $48,796,500 | 1,698 |
| Average total loans | $395,019,500 | 1,304 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 4,219 |
| Cost of funding earning assets | 0.5616% | 3,818 |
| Net interest margin | 3.4551% | 3,576 |
| Noninterest income to average assets | 0.1913% | 4,521 |
| Noninterest expense to average assets | 2.0327% | 4,478 |
| Loan and lease loss provision to assets | 0.0712% | 2,578 |
| Net operating income to assets | 1.0905% | 2,477 |
| Return on assets (ROA) | 1.2208% | 2,069 |
| Pretax return on assets | 1.5616% | 1,612 |
| Return on Equity (ROE) | 14.0789% | 883 |
| Retained earnings to average equity (ytd only) | 4.1195% | 2,906 |
| Net charge-offs to loans | 0.0678% | 2,117 |
| Credit loss provision to net charge-offs | 155.6017% | 1,650 |
| Earnings coverage of net charge-offs (x) | 32.0913% | 1,516 |
| Efficiency ratio | 58.0677% | 3,953 |
| Assets per employee ($millions) | 8.0482% | 700 |
| Cash dividends to net income (ytd only)* | 70.7400% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 4,006 |
| Loan loss allowance to noncurrent loans | 2,961.2069% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 4,558 |
| Noncurrent loans to loans | 0.0300% | 4,445 |
| Net loans and leases to total assets | 66.9619% | 2,837 |
| Net loans and leases to deposits | 73.4329% | 3,401 |
| Net loans and leases to core deposits | 77.5093% | 3,478 |
| Total domestic deposits to total assets | 91.1878% | 95 |
| Equity capital to assets | 8.4174% | 4,943 |
| Core capital (leverage) ratio | 9.1052% | 4,443 |
| Tier 1 risk-based capital ratio | 12.0480% | 4,337 |
| Total risk-based capital ratio | 12.9148% | 4,434 |
| Memoranda: | ||
| Average total assets | $526,880,800 | 1,361 |
| Average earning assets | $504,647,600 | 1,320 |
| Average equity | $45,685,400 | 1,733 |
| Average total loans | $355,357,400 | 1,395 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 4,139 |
| Cost of funding earning assets | 0.6166% | 3,604 |
| Net interest margin | 3.4901% | 3,591 |
| Noninterest income to average assets | 0.1890% | 4,580 |
| Noninterest expense to average assets | 1.9867% | 4,580 |
| Loan and lease loss provision to assets | 0.0194% | 3,519 |
| Net operating income to assets | 1.1769% | 2,271 |
| Return on assets (ROA) | 1.3544% | 1,695 |
| Pretax return on assets | 1.7553% | 1,193 |
| Return on Equity (ROE) | 15.4943% | 684 |
| Retained earnings to average equity (ytd only) | 2.0377% | 4,256 |
| Net charge-offs to loans | 0.0790% | 1,694 |
| Credit loss provision to net charge-offs | 36.4078% | 2,873 |
| Earnings coverage of net charge-offs (x) | 29.1068% | 1,654 |
| Efficiency ratio | 56.1728% | 4,153 |
| Assets per employee ($millions) | 7.4186% | 874 |
| Cash dividends to net income (ytd only)* | 86.8487% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 4,047 |
| Loan loss allowance to noncurrent loans | 2,663.0252% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,628 |
| Noncurrent loans to loans | 0.0338% | 4,512 |
| Net loans and leases to total assets | 68.1873% | 2,765 |
| Net loans and leases to deposits | 75.4355% | 3,352 |
| Net loans and leases to core deposits | 80.9791% | 3,312 |
| Total domestic deposits to total assets | 90.3914% | 196 |
| Equity capital to assets | 9.1440% | 4,700 |
| Core capital (leverage) ratio | 9.0738% | 4,580 |
| Tier 1 risk-based capital ratio | 12.9537% | 3,874 |
| Total risk-based capital ratio | 13.8354% | 3,965 |
| Memoranda: | ||
| Average total assets | $515,744,750 | 1,392 |
| Average earning assets | $494,723,000 | 1,347 |
| Average equity | $45,082,000 | 1,757 |
| Average total loans | $347,678,750 | 1,439 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 4,141 |
| Cost of funding earning assets | 0.6385% | 3,471 |
| Net interest margin | 3.4688% | 3,691 |
| Noninterest income to average assets | 0.1729% | 4,718 |
| Noninterest expense to average assets | 1.8951% | 4,760 |
| Loan and lease loss provision to assets | 0.0290% | 3,238 |
| Net operating income to assets | 1.2097% | 2,116 |
| Return on assets (ROA) | 1.5040% | 1,192 |
| Pretax return on assets | 1.9523% | 752 |
| Return on Equity (ROE) | 17.4714% | 412 |
| Retained earnings to average equity (ytd only) | 1.2942% | 4,355 |
| Net charge-offs to loans | 0.1421% | 1,082 |
| Credit loss provision to net charge-offs | 30.4878% | 2,597 |
| Earnings coverage of net charge-offs (x) | 16.9065% | 1,912 |
| Efficiency ratio | 54.0848% | 4,461 |
| Assets per employee ($millions) | 7.9921% | 678 |
| Cash dividends to net income (ytd only)* | 92.5926% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 4,101 |
| 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 | 66.4767% | 3,043 |
| Net loans and leases to deposits | 73.3739% | 3,566 |
| Net loans and leases to core deposits | 78.8289% | 3,515 |
| Total domestic deposits to total assets | 90.5999% | 175 |
| Equity capital to assets | 8.9500% | 4,822 |
| Core capital (leverage) ratio | 8.3979% | 5,012 |
| Tier 1 risk-based capital ratio | 13.1206% | 3,773 |
| Total risk-based capital ratio | 14.0101% | 3,877 |
| Memoranda: | ||
| Average total assets | $517,031,000 | 1,385 |
| Average earning assets | $496,481,670 | 1,346 |
| Average equity | $44,507,000 | 1,773 |
| Average total loans | $346,168,330 | 1,451 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9806% | 4,405 |
| Cost of funding earning assets | 0.6051% | 3,543 |
| Net interest margin | 3.3754% | 3,959 |
| Noninterest income to average assets | 0.1675% | 4,737 |
| Noninterest expense to average assets | 1.8046% | 4,914 |
| Loan and lease loss provision to assets | 0.0388% | 2,852 |
| Net operating income to assets | 1.2229% | 1,972 |
| Return on assets (ROA) | 1.2229% | 2,018 |
| Pretax return on assets | 1.5642% | 1,561 |
| Return on Equity (ROE) | 14.4967% | 858 |
| Retained earnings to average equity (ytd only) | -18.5965% | 5,246 |
| Net charge-offs to loans | 0.3014% | 499 |
| Credit loss provision to net charge-offs | 19.2308% | 2,141 |
| Earnings coverage of net charge-offs (x) | 7.9500% | 2,107 |
| Efficiency ratio | 52.9586% | 4,621 |
| Assets per employee ($millions) | 9.0332% | 466 |
| Cash dividends to net income (ytd only)* | 228.2815% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 4,247 |
| 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 | 67.7266% | 2,793 |
| Net loans and leases to deposits | 74.3014% | 3,428 |
| Net loans and leases to core deposits | 79.0228% | 3,447 |
| Total domestic deposits to total assets | 91.1511% | 143 |
| Equity capital to assets | 8.3761% | 5,052 |
| Core capital (leverage) ratio | 8.6001% | 4,946 |
| Tier 1 risk-based capital ratio | 12.2870% | 4,306 |
| Total risk-based capital ratio | 13.1534% | 4,411 |
| Memoranda: | ||
| Average total assets | $515,803,500 | 1,400 |
| Average earning assets | $495,105,000 | 1,351 |
| Average equity | $43,513,500 | 1,797 |
| Average total loans | $345,019,500 | 1,461 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8889% | 4,299 |
| Cost of funding earning assets | 0.3946% | 4,012 |
| Net interest margin | 3.4943% | 3,722 |
| Noninterest income to average assets | 0.1686% | 4,884 |
| Noninterest expense to average assets | 1.8598% | 4,945 |
| Loan and lease loss provision to assets | 0.0634% | 2,894 |
| Net operating income to assets | 1.2495% | 1,974 |
| Return on assets (ROA) | 1.2512% | 1,966 |
| Pretax return on assets | 1.6049% | 1,456 |
| Return on Equity (ROE) | 15.5160% | 719 |
| Retained earnings to average equity (ytd only) | 14.1106% | 162 |
| Net charge-offs to loans | 0.0170% | 3,120 |
| Credit loss provision to net charge-offs | 559.6491% | 628 |
| Earnings coverage of net charge-offs (x) | 147.0175% | 573 |
| Efficiency ratio | 52.7461% | 4,738 |
| Assets per employee ($millions) | 9.2271% | 430 |
| Cash dividends to net income (ytd only)* | 9.0577% | 3,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 3,831 |
| Loan loss allowance to noncurrent loans | 789.7129% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 4,415 |
| Noncurrent loans to loans | 0.1236% | 4,174 |
| Net loans and leases to total assets | 64.8188% | 3,273 |
| Net loans and leases to deposits | 71.1960% | 3,730 |
| Net loans and leases to core deposits | 75.1408% | 3,777 |
| Total domestic deposits to total assets | 91.0427% | 197 |
| Equity capital to assets | 8.4958% | 4,935 |
| Core capital (leverage) ratio | 9.0829% | 4,575 |
| Tier 1 risk-based capital ratio | 13.3367% | 3,640 |
| Total risk-based capital ratio | 14.2968% | 3,709 |
| Memoranda: | ||
| Average total assets | $502,955,200 | 1,405 |
| Average earning assets | $483,250,000 | 1,356 |
| Average equity | $40,558,200 | 1,830 |
| Average total loans | $335,501,000 | 1,461 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 4,260 |
| Cost of funding earning assets | 0.3514% | 4,173 |
| Net interest margin | 3.5267% | 3,610 |
| Noninterest income to average assets | 0.1692% | 4,943 |
| Noninterest expense to average assets | 1.8530% | 4,974 |
| Loan and lease loss provision to assets | 0.0851% | 2,265 |
| Net operating income to assets | 1.2549% | 2,025 |
| Return on assets (ROA) | 1.2572% | 2,020 |
| Pretax return on assets | 1.6223% | 1,505 |
| Return on Equity (ROE) | 15.8091% | 724 |
| Retained earnings to average equity (ytd only) | 13.8959% | 261 |
| Net charge-offs to loans | 0.0243% | 2,645 |
| Credit loss provision to net charge-offs | 522.9508% | 669 |
| Earnings coverage of net charge-offs (x) | 104.6902% | 724 |
| Efficiency ratio | 52.0858% | 4,805 |
| Assets per employee ($millions) | 8.7861% | 480 |
| Cash dividends to net income (ytd only)* | 12.1019% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 4,021 |
| Loan loss allowance to noncurrent loans | 777.5943% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 4,540 |
| Noncurrent loans to loans | 0.1232% | 4,338 |
| Net loans and leases to total assets | 69.2684% | 2,765 |
| Net loans and leases to deposits | 75.8721% | 3,430 |
| Net loans and leases to core deposits | 79.3737% | 3,545 |
| Total domestic deposits to total assets | 91.2963% | 167 |
| Equity capital to assets | 8.3293% | 5,021 |
| Core capital (leverage) ratio | 8.9111% | 4,789 |
| Tier 1 risk-based capital ratio | 12.6180% | 4,145 |
| Total risk-based capital ratio | 13.5576% | 4,208 |
| Memoranda: | ||
| Average total assets | $499,515,000 | 1,416 |
| Average earning assets | $479,911,250 | 1,370 |
| Average equity | $39,723,000 | 1,872 |
| Average total loans | $334,818,750 | 1,463 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 4,256 |
| Cost of funding earning assets | 0.3004% | 4,413 |
| Net interest margin | 3.5342% | 3,518 |
| Noninterest income to average assets | 0.1669% | 4,992 |
| Noninterest expense to average assets | 1.8573% | 5,020 |
| Loan and lease loss provision to assets | 0.0673% | 2,539 |
| Net operating income to assets | 1.2706% | 1,894 |
| Return on assets (ROA) | 1.2741% | 1,885 |
| Pretax return on assets | 1.6446% | 1,359 |
| Return on Equity (ROE) | 16.2734% | 616 |
| Retained earnings to average equity (ytd only) | 13.3729% | 331 |
| Net charge-offs to loans | -0.0030% | 4,011 |
| Credit loss provision to net charge-offs | -3,380.0000% | 4,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1010% | 4,881 |
| Assets per employee ($millions) | 8.7323% | 485 |
| Cash dividends to net income (ytd only)* | 17.8236% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 4,055 |
| Loan loss allowance to noncurrent loans | 1,036.1290% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 4,699 |
| Noncurrent loans to loans | 0.0928% | 4,498 |
| Net loans and leases to total assets | 67.6272% | 2,924 |
| Net loans and leases to deposits | 74.0255% | 3,529 |
| Net loans and leases to core deposits | 77.1922% | 3,647 |
| Total domestic deposits to total assets | 91.3566% | 180 |
| Equity capital to assets | 8.1741% | 5,149 |
| Core capital (leverage) ratio | 8.4561% | 5,135 |
| Tier 1 risk-based capital ratio | 12.5527% | 4,149 |
| Total risk-based capital ratio | 13.4958% | 4,223 |
| Memoranda: | ||
| Average total assets | $502,013,000 | 1,408 |
| Average earning assets | $482,659,000 | 1,368 |
| Average equity | $39,303,330 | 1,893 |
| Average total loans | $331,721,000 | 1,475 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7331% | 4,398 |
| Cost of funding earning assets | 0.2477% | 4,721 |
| Net interest margin | 3.4854% | 3,586 |
| Noninterest income to average assets | 0.1628% | 5,044 |
| Noninterest expense to average assets | 1.8517% | 5,100 |
| Loan and lease loss provision to assets | 0.0346% | 3,045 |
| Net operating income to assets | 1.2633% | 1,770 |
| Return on assets (ROA) | 1.2633% | 1,775 |
| Pretax return on assets | 1.6306% | 1,297 |
| Return on Equity (ROE) | 16.4849% | 556 |
| Retained earnings to average equity (ytd only) | 16.2385% | 233 |
| Net charge-offs to loans | -0.0024% | 3,834 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6504% | 4,914 |
| Assets per employee ($millions) | 9.2109% | 408 |
| Cash dividends to net income (ytd only)* | 1.4944% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 4,369 |
| Loan loss allowance to noncurrent loans | 982.4841% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 4,794 |
| Noncurrent loans to loans | 0.0933% | 4,558 |
| Net loans and leases to total assets | 63.4977% | 3,370 |
| Net loans and leases to deposits | 68.9261% | 3,882 |
| Net loans and leases to core deposits | 90.1392% | 2,440 |
| Total domestic deposits to total assets | 92.1243% | 96 |
| Equity capital to assets | 7.3605% | 5,460 |
| Core capital (leverage) ratio | 7.9808% | 5,397 |
| Tier 1 risk-based capital ratio | 11.9753% | 4,560 |
| Total risk-based capital ratio | 12.8729% | 4,685 |
| Memoranda: | ||
| Average total assets | $508,515,000 | 1,405 |
| Average earning assets | $489,356,500 | 1,350 |
| Average equity | $38,969,000 | 1,910 |
| Average total loans | $330,624,000 | 1,486 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5379% | 4,719 |
| Cost of funding earning assets | 0.2129% | 4,845 |
| Net interest margin | 3.3249% | 4,082 |
| Noninterest income to average assets | 0.1664% | 5,126 |
| Noninterest expense to average assets | 1.8921% | 5,125 |
| Loan and lease loss provision to assets | 0.0422% | 3,403 |
| Net operating income to assets | 0.8155% | 3,092 |
| Return on assets (ROA) | 0.8101% | 3,158 |
| Pretax return on assets | 1.4130% | 1,948 |
| Return on Equity (ROE) | 10.4296% | 1,703 |
| Retained earnings to average equity (ytd only) | 8.9821% | 512 |
| Net charge-offs to loans | -0.0297% | 5,063 |
| Credit loss provision to net charge-offs | -225.2747% | 4,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3846% | 4,724 |
| Assets per employee ($millions) | 8.7859% | 480 |
| Cash dividends to net income (ytd only)* | 13.8790% | 3,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 4,292 |
| Loan loss allowance to noncurrent loans | 952.3511% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 4,710 |
| Noncurrent loans to loans | 0.0982% | 4,552 |
| Net loans and leases to total assets | 65.3949% | 3,173 |
| Net loans and leases to deposits | 71.4856% | 3,741 |
| Net loans and leases to core deposits | 91.6839% | 2,398 |
| Total domestic deposits to total assets | 91.4798% | 143 |
| Equity capital to assets | 7.9865% | 5,400 |
| Core capital (leverage) ratio | 7.9255% | 5,473 |
| Tier 1 risk-based capital ratio | 11.9327% | 4,579 |
| Total risk-based capital ratio | 12.8395% | 4,683 |
| Memoranda: | ||
| Average total assets | $485,644,200 | 1,444 |
| Average earning assets | $465,847,800 | 1,395 |
| Average equity | $37,719,400 | 1,943 |
| Average total loans | $306,612,000 | 1,541 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4866% | 4,835 |
| Cost of funding earning assets | 0.2135% | 4,860 |
| Net interest margin | 3.2732% | 4,251 |
| Noninterest income to average assets | 0.1647% | 5,194 |
| Noninterest expense to average assets | 1.8725% | 5,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9606% | 2,724 |
| Return on assets (ROA) | 0.9630% | 2,772 |
| Pretax return on assets | 1.4340% | 1,995 |
| Return on Equity (ROE) | 12.4879% | 1,191 |
| Retained earnings to average equity (ytd only) | 10.5376% | 481 |
| Net charge-offs to loans | -0.0393% | 5,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6925% | 4,646 |
| Assets per employee ($millions) | 8.7843% | 475 |
| Cash dividends to net income (ytd only)* | 15.6178% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9018% | 4,557 |
| Loan loss allowance to noncurrent loans | 873.7654% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 4,834 |
| Noncurrent loans to loans | 0.1032% | 4,647 |
| Net loans and leases to total assets | 62.1351% | 3,637 |
| Net loans and leases to deposits | 67.7824% | 4,129 |
| Net loans and leases to core deposits | 91.0614% | 2,522 |
| Total domestic deposits to total assets | 91.6685% | 86 |
| Equity capital to assets | 7.8667% | 5,554 |
| Core capital (leverage) ratio | 7.8658% | 5,553 |
| Tier 1 risk-based capital ratio | 12.1648% | 4,513 |
| Total risk-based capital ratio | 13.0380% | 4,643 |
| Memoranda: | ||
| Average total assets | $484,053,250 | 1,457 |
| Average earning assets | $464,086,750 | 1,413 |
| Average equity | $37,325,750 | 1,970 |
| Average total loans | $302,068,500 | 1,568 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4484% | 4,881 |
| Cost of funding earning assets | 0.2151% | 4,845 |
| Net interest margin | 3.2333% | 4,317 |
| Noninterest income to average assets | 0.1676% | 5,223 |
| Noninterest expense to average assets | 1.8855% | 5,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9276% | 2,775 |
| Return on assets (ROA) | 0.9312% | 2,815 |
| Pretax return on assets | 1.3847% | 2,078 |
| Return on Equity (ROE) | 12.1622% | 1,256 |
| Retained earnings to average equity (ytd only) | 9.7276% | 637 |
| Net charge-offs to loans | -0.0577% | 5,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7519% | 4,629 |
| Assets per employee ($millions) | 9.1489% | 403 |
| Cash dividends to net income (ytd only)* | 20.0180% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 4,516 |
| Loan loss allowance to noncurrent loans | 862.5000% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 4,871 |
| Noncurrent loans to loans | 0.1077% | 4,692 |
| Net loans and leases to total assets | 59.9541% | 3,848 |
| Net loans and leases to deposits | 65.1848% | 4,287 |
| Net loans and leases to core deposits | 88.1887% | 2,683 |
| Total domestic deposits to total assets | 91.9756% | 73 |
| Equity capital to assets | 7.5983% | 5,638 |
| Core capital (leverage) ratio | 7.8097% | 5,587 |
| Tier 1 risk-based capital ratio | 12.1173% | 4,558 |
| Total risk-based capital ratio | 13.0160% | 4,679 |
| Memoranda: | ||
| Average total assets | $478,503,000 | 1,472 |
| Average earning assets | $458,361,330 | 1,431 |
| Average equity | $36,638,000 | 1,998 |
| Average total loans | $298,110,000 | 1,585 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4325% | 4,870 |
| Cost of funding earning assets | 0.2181% | 4,816 |
| Net interest margin | 3.2144% | 4,293 |
| Noninterest income to average assets | 0.1682% | 5,267 |
| Noninterest expense to average assets | 1.8723% | 5,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9139% | 2,690 |
| Return on assets (ROA) | 0.9139% | 2,745 |
| Pretax return on assets | 1.3695% | 1,990 |
| Return on Equity (ROE) | 11.8862% | 1,272 |
| Retained earnings to average equity (ytd only) | 6.9085% | 1,883 |
| Net charge-offs to loans | -0.0515% | 5,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7554% | 4,745 |
| Assets per employee ($millions) | 8.4626% | 514 |
| Cash dividends to net income (ytd only)* | 41.8779% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 4,600 |
| Loan loss allowance to noncurrent loans | 737.6658% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 4,890 |
| Noncurrent loans to loans | 0.1275% | 4,673 |
| Net loans and leases to total assets | 60.7322% | 3,704 |
| Net loans and leases to deposits | 66.0261% | 4,170 |
| Net loans and leases to core deposits | 92.0165% | 2,163 |
| Total domestic deposits to total assets | 91.9820% | 110 |
| Equity capital to assets | 7.5244% | 5,676 |
| Core capital (leverage) ratio | 7.9422% | 5,583 |
| Tier 1 risk-based capital ratio | 11.8916% | 4,785 |
| Total risk-based capital ratio | 12.7884% | 4,909 |
| Memoranda: | ||
| Average total assets | $466,159,500 | 1,511 |
| Average earning assets | $445,740,000 | 1,466 |
| Average equity | $35,840,000 | 2,043 |
| Average total loans | $294,909,000 | 1,609 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5313% | 4,696 |
| Cost of funding earning assets | 0.2279% | 4,759 |
| Net interest margin | 3.3034% | 4,137 |
| Noninterest income to average assets | 0.2091% | 5,165 |
| Noninterest expense to average assets | 2.0419% | 5,108 |
| Loan and lease loss provision to assets | 0.0446% | 3,492 |
| Net operating income to assets | 0.8298% | 3,163 |
| Return on assets (ROA) | 0.8291% | 3,269 |
| Pretax return on assets | 1.2859% | 2,328 |
| Return on Equity (ROE) | 9.8322% | 2,031 |
| Retained earnings to average equity (ytd only) | 7.9538% | 872 |
| Net charge-offs to loans | 0.0032% | 4,155 |
| Credit loss provision to net charge-offs | 2,111.1111% | 204 |
| Earnings coverage of net charge-offs (x) | 629.6667% | 131 |
| Efficiency ratio | 60.5252% | 4,500 |
| Assets per employee ($millions) | 7.8939% | 635 |
| Cash dividends to net income (ytd only)* | 19.1043% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 4,643 |
| Loan loss allowance to noncurrent loans | 733.1551% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 4,897 |
| Noncurrent loans to loans | 0.1272% | 4,728 |
| Net loans and leases to total assets | 64.7498% | 3,250 |
| Net loans and leases to deposits | 70.7028% | 3,838 |
| Net loans and leases to core deposits | 88.1314% | 2,658 |
| Total domestic deposits to total assets | 91.5802% | 151 |
| Equity capital to assets | 7.8642% | 5,616 |
| Core capital (leverage) ratio | 8.4615% | 5,300 |
| Tier 1 risk-based capital ratio | 10.7863% | 5,441 |
| Total risk-based capital ratio | 11.6061% | 5,577 |
| Memoranda: | ||
| Average total assets | $425,545,200 | 1,598 |
| Average earning assets | $407,636,000 | 1,542 |
| Average equity | $35,882,200 | 2,030 |
| Average total loans | $281,004,000 | 1,617 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5601% | 4,655 |
| Cost of funding earning assets | 0.2390% | 4,715 |
| Net interest margin | 3.3210% | 4,124 |
| Noninterest income to average assets | 0.2155% | 5,173 |
| Noninterest expense to average assets | 2.0245% | 5,153 |
| Loan and lease loss provision to assets | 0.0477% | 3,294 |
| Net operating income to assets | 0.8564% | 3,116 |
| Return on assets (ROA) | 0.8554% | 3,247 |
| Pretax return on assets | 1.3258% | 2,327 |
| Return on Equity (ROE) | 9.9646% | 2,068 |
| Retained earnings to average equity (ytd only) | 7.4688% | 1,420 |
| Net charge-offs to loans | 0.0058% | 3,708 |
| Credit loss provision to net charge-offs | 1,250.0000% | 335 |
| Earnings coverage of net charge-offs (x) | 360.4913% | 245 |
| Efficiency ratio | 59.5512% | 4,604 |
| Assets per employee ($millions) | 7.4561% | 731 |
| Cash dividends to net income (ytd only)* | 25.0463% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 4,612 |
| Loan loss allowance to noncurrent loans | 710.5263% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 4,970 |
| Noncurrent loans to loans | 0.1352% | 4,802 |
| Net loans and leases to total assets | 65.5048% | 3,203 |
| Net loans and leases to deposits | 71.9562% | 3,811 |
| Net loans and leases to core deposits | 85.9725% | 2,952 |
| Total domestic deposits to total assets | 91.0342% | 191 |
| Equity capital to assets | 8.4199% | 5,576 |
| Core capital (leverage) ratio | 8.2502% | 5,540 |
| Tier 1 risk-based capital ratio | 11.0160% | 5,360 |
| Total risk-based capital ratio | 11.8736% | 5,477 |
| Memoranda: | ||
| Average total assets | $419,443,500 | 1,619 |
| Average earning assets | $402,153,750 | 1,555 |
| Average equity | $36,006,500 | 2,035 |
| Average total loans | $277,733,750 | 1,626 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5594% | 4,711 |
| Cost of funding earning assets | 0.2451% | 4,705 |
| Net interest margin | 3.3142% | 4,180 |
| Noninterest income to average assets | 0.2203% | 5,170 |
| Noninterest expense to average assets | 2.0058% | 5,257 |
| Loan and lease loss provision to assets | 0.0431% | 3,284 |
| Net operating income to assets | 0.8727% | 2,993 |
| Return on assets (ROA) | 0.8712% | 3,113 |
| Pretax return on assets | 1.3420% | 2,239 |
| Return on Equity (ROE) | 10.0830% | 2,011 |
| Retained earnings to average equity (ytd only) | 6.9012% | 1,659 |
| Net charge-offs to loans | -0.0051% | 4,525 |
| Credit loss provision to net charge-offs | -1,285.7143% | 5,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1108% | 4,755 |
| Assets per employee ($millions) | 7.2179% | 801 |
| Cash dividends to net income (ytd only)* | 31.5558% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 4,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 5,496 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 66.3475% | 3,032 |
| Net loans and leases to deposits | 72.8163% | 3,717 |
| Net loans and leases to core deposits | 89.8267% | 2,547 |
| Total domestic deposits to total assets | 91.1162% | 171 |
| Equity capital to assets | 8.4233% | 5,639 |
| Core capital (leverage) ratio | 8.0617% | 5,691 |
| Tier 1 risk-based capital ratio | 11.0039% | 5,422 |
| Total risk-based capital ratio | 11.8671% | 5,535 |
| Memoranda: | ||
| Average total assets | $417,593,000 | 1,625 |
| Average earning assets | $399,791,000 | 1,570 |
| Average equity | $36,080,670 | 2,032 |
| Average total loans | $276,614,330 | 1,632 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5360% | 4,797 |
| Cost of funding earning assets | 0.2381% | 4,827 |
| Net interest margin | 3.2979% | 4,227 |
| Noninterest income to average assets | 0.2522% | 4,943 |
| Noninterest expense to average assets | 1.9891% | 5,364 |
| Loan and lease loss provision to assets | 0.0288% | 3,276 |
| Net operating income to assets | 0.9111% | 2,697 |
| Return on assets (ROA) | 0.9111% | 2,818 |
| Pretax return on assets | 1.3830% | 1,950 |
| Return on Equity (ROE) | 10.4140% | 1,810 |
| Retained earnings to average equity (ytd only) | 10.3591% | 773 |
| Net charge-offs to loans | -0.0073% | 4,408 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4884% | 4,947 |
| Assets per employee ($millions) | 7.3978% | 738 |
| Cash dividends to net income (ytd only)* | 0.5263% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 4,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 5,551 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 64.7603% | 3,140 |
| Net loans and leases to deposits | 70.8775% | 3,770 |
| Net loans and leases to core deposits | 90.5548% | 2,318 |
| Total domestic deposits to total assets | 91.3694% | 183 |
| Equity capital to assets | 8.0643% | 5,798 |
| Core capital (leverage) ratio | 8.1328% | 5,699 |
| Tier 1 risk-based capital ratio | 10.9109% | 5,545 |
| Total risk-based capital ratio | 11.7553% | 5,663 |
| Memoranda: | ||
| Average total assets | $417,071,000 | 1,621 |
| Average earning assets | $398,189,500 | 1,576 |
| Average equity | $36,489,500 | 2,014 |
| Average total loans | $274,715,000 | 1,642 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4299% | 5,097 |
| Cost of funding earning assets | 0.2775% | 4,504 |
| Net interest margin | 3.1523% | 4,770 |
| Noninterest income to average assets | 0.1743% | 5,542 |
| Noninterest expense to average assets | 2.0668% | 5,322 |
| Loan and lease loss provision to assets | 0.1830% | 1,232 |
| Net operating income to assets | 0.5903% | 4,325 |
| Return on assets (ROA) | 0.5849% | 4,449 |
| Pretax return on assets | 0.9081% | 3,808 |
| Return on Equity (ROE) | 6.1671% | 3,962 |
| Retained earnings to average equity (ytd only) | 4.6391% | 2,687 |
| Net charge-offs to loans | 0.1614% | 1,756 |
| Credit loss provision to net charge-offs | 172.1311% | 1,569 |
| Earnings coverage of net charge-offs (x) | 10.3419% | 2,694 |
| Efficiency ratio | 65.2748% | 4,028 |
| Assets per employee ($millions) | 7.3655% | 758 |
| Cash dividends to net income (ytd only)* | 24.7765% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 4,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 5,102 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 65.7495% | 3,021 |
| Net loans and leases to deposits | 75.3893% | 3,330 |
| Net loans and leases to core deposits | 85.0750% | 2,871 |
| Total domestic deposits to total assets | 87.2134% | 2,028 |
| Equity capital to assets | 9.4489% | 4,614 |
| Core capital (leverage) ratio | 9.3011% | 4,473 |
| Tier 1 risk-based capital ratio | 12.7945% | 4,457 |
| Total risk-based capital ratio | 13.6251% | 4,605 |
| Memoranda: | ||
| Average total assets | $401,626,400 | 1,645 |
| Average earning assets | $381,208,600 | 1,602 |
| Average equity | $38,089,200 | 1,882 |
| Average total loans | $264,516,200 | 1,647 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4151% | 5,174 |
| Cost of funding earning assets | 0.2845% | 4,509 |
| Net interest margin | 3.1306% | 4,879 |
| Noninterest income to average assets | 0.1738% | 5,608 |
| Noninterest expense to average assets | 2.0559% | 5,373 |
| Loan and lease loss provision to assets | 0.1755% | 1,210 |
| Net operating income to assets | 0.5976% | 4,396 |
| Return on assets (ROA) | 0.5903% | 4,531 |
| Pretax return on assets | 0.9031% | 3,974 |
| Return on Equity (ROE) | 6.2179% | 4,045 |
| Retained earnings to average equity (ytd only) | 4.2286% | 3,458 |
| Net charge-offs to loans | 0.2197% | 1,188 |
| Credit loss provision to net charge-offs | 121.5278% | 1,960 |
| Earnings coverage of net charge-offs (x) | 7.5486% | 2,900 |
| Efficiency ratio | 65.3527% | 4,001 |
| Assets per employee ($millions) | 7.3475% | 734 |
| Cash dividends to net income (ytd only)* | 31.9930% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 5,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 5,273 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 59.2233% | 3,975 |
| Net loans and leases to deposits | 65.5059% | 4,428 |
| Net loans and leases to core deposits | 82.1410% | 3,238 |
| Total domestic deposits to total assets | 90.4091% | 419 |
| Equity capital to assets | 9.1150% | 5,201 |
| Core capital (leverage) ratio | 9.0780% | 4,907 |
| Tier 1 risk-based capital ratio | 13.4494% | 4,170 |
| Total risk-based capital ratio | 14.2727% | 4,341 |
| Memoranda: | ||
| Average total assets | $398,915,500 | 1,664 |
| Average earning assets | $378,703,500 | 1,619 |
| Average equity | $37,868,000 | 1,903 |
| Average total loans | $262,205,750 | 1,669 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5007% | 4,979 |
| Cost of funding earning assets | 0.2940% | 4,455 |
| Net interest margin | 3.2067% | 4,640 |
| Noninterest income to average assets | 0.1714% | 5,674 |
| Noninterest expense to average assets | 2.0711% | 5,395 |
| Loan and lease loss provision to assets | 0.1570% | 1,359 |
| Net operating income to assets | 0.6449% | 4,148 |
| Return on assets (ROA) | 0.6336% | 4,314 |
| Pretax return on assets | 0.9696% | 3,699 |
| Return on Equity (ROE) | 6.5792% | 3,840 |
| Retained earnings to average equity (ytd only) | 3.6598% | 3,693 |
| Net charge-offs to loans | 0.2909% | 900 |
| Credit loss provision to net charge-offs | 79.4805% | 2,340 |
| Earnings coverage of net charge-offs (x) | 5.7922% | 2,885 |
| Efficiency ratio | 64.4168% | 4,287 |
| Assets per employee ($millions) | 6.5843% | 1,016 |
| Cash dividends to net income (ytd only)* | 44.3725% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 5,569 |
| Loan loss allowance to noncurrent loans | 836.5385% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 5,036 |
| Noncurrent loans to loans | 0.0973% | 5,351 |
| Net loans and leases to total assets | 66.0186% | 2,944 |
| Net loans and leases to deposits | 73.4570% | 3,558 |
| Net loans and leases to core deposits | 91.2663% | 2,217 |
| Total domestic deposits to total assets | 89.8738% | 714 |
| Equity capital to assets | 9.4022% | 4,774 |
| Core capital (leverage) ratio | 9.5086% | 4,269 |
| Tier 1 risk-based capital ratio | 13.1424% | 4,430 |
| Total risk-based capital ratio | 13.9018% | 4,640 |
| Memoranda: | ||
| Average total assets | $389,835,670 | 1,707 |
| Average earning assets | $370,040,670 | 1,664 |
| Average equity | $37,542,670 | 1,927 |
| Average total loans | $264,697,670 | 1,659 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4907% | 4,998 |
| Cost of funding earning assets | 0.3114% | 4,316 |
| Net interest margin | 3.1793% | 4,680 |
| Noninterest income to average assets | 0.1792% | 5,643 |
| Noninterest expense to average assets | 2.0670% | 5,456 |
| Loan and lease loss provision to assets | 0.1000% | 2,025 |
| Net operating income to assets | 0.6741% | 3,925 |
| Return on assets (ROA) | 0.6741% | 4,045 |
| Pretax return on assets | 1.0335% | 3,367 |
| Return on Equity (ROE) | 6.9138% | 3,550 |
| Retained earnings to average equity (ytd only) | 1.2503% | 4,987 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5833% | 4,384 |
| Assets per employee ($millions) | 6.7536% | 955 |
| Cash dividends to net income (ytd only)* | 81.9165% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 5,489 |
| Loan loss allowance to noncurrent loans | 3,219.1781% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 5,316 |
| Noncurrent loans to loans | 0.0274% | 5,697 |
| Net loans and leases to total assets | 65.0966% | 2,921 |
| Net loans and leases to deposits | 72.3579% | 3,505 |
| Net loans and leases to core deposits | 95.3445% | 1,664 |
| Total domestic deposits to total assets | 89.9648% | 757 |
| Equity capital to assets | 9.3045% | 4,956 |
| Core capital (leverage) ratio | 9.6997% | 4,014 |
| Tier 1 risk-based capital ratio | 13.2986% | 4,432 |
| Total risk-based capital ratio | 14.1334% | 4,585 |
| Memoranda: | ||
| Average total assets | $383,933,500 | 1,739 |
| Average earning assets | $364,857,500 | 1,686 |
| Average equity | $37,432,500 | 1,942 |
| Average total loans | $263,380,500 | 1,663 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7967% | 4,505 |
| Cost of funding earning assets | 0.3439% | 4,317 |
| Net interest margin | 3.4528% | 3,967 |
| Noninterest income to average assets | 0.1969% | 5,675 |
| Noninterest expense to average assets | 2.2649% | 5,206 |
| Loan and lease loss provision to assets | 0.0669% | 3,158 |
| Net operating income to assets | 0.7433% | 3,660 |
| Return on assets (ROA) | 0.7618% | 3,660 |
| Pretax return on assets | 1.1348% | 2,949 |
| Return on Equity (ROE) | 7.3781% | 3,424 |
| Retained earnings to average equity (ytd only) | 7.1809% | 1,325 |
| Net charge-offs to loans | 0.0451% | 3,921 |
| Credit loss provision to net charge-offs | 205.3571% | 1,204 |
| Earnings coverage of net charge-offs (x) | 36.0357% | 1,176 |
| Efficiency ratio | 65.8603% | 4,274 |
| Assets per employee ($millions) | 6.1467% | 1,279 |
| Cash dividends to net income (ytd only)* | 2.6728% | 4,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 5,586 |
| Loan loss allowance to noncurrent loans | 2,927.2727% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 5,313 |
| Noncurrent loans to loans | 0.0295% | 5,770 |
| Net loans and leases to total assets | 71.2461% | 2,043 |
| Net loans and leases to deposits | 80.2735% | 2,682 |
| Net loans and leases to core deposits | 94.4588% | 1,872 |
| Total domestic deposits to total assets | 88.7543% | 1,385 |
| Equity capital to assets | 10.2472% | 3,793 |
| Core capital (leverage) ratio | 10.6035% | 2,831 |
| Tier 1 risk-based capital ratio | 13.4914% | 4,422 |
| Total risk-based capital ratio | 14.3133% | 4,602 |
| Memoranda: | ||
| Average total assets | $343,775,400 | 1,893 |
| Average earning assets | $322,780,800 | 1,855 |
| Average equity | $35,496,800 | 1,972 |
| Average total loans | $248,107,000 | 1,700 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 4,412 |
| Cost of funding earning assets | 0.3499% | 4,346 |
| Net interest margin | 3.4877% | 3,881 |
| Noninterest income to average assets | 0.1982% | 5,737 |
| Noninterest expense to average assets | 2.2717% | 5,173 |
| Loan and lease loss provision to assets | 0.0727% | 2,888 |
| Net operating income to assets | 0.7284% | 3,793 |
| Return on assets (ROA) | 0.7424% | 3,819 |
| Pretax return on assets | 1.1408% | 3,029 |
| Return on Equity (ROE) | 7.1757% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.9781% | 1,831 |
| Net charge-offs to loans | 0.0005% | 4,691 |
| Credit loss provision to net charge-offs | 18,500.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 3,038.5188% | 14 |
| Efficiency ratio | 65.5881% | 4,277 |
| Assets per employee ($millions) | 5.7891% | 1,494 |
| Cash dividends to net income (ytd only)* | 2.7542% | 3,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 5,511 |
| Loan loss allowance to noncurrent loans | 537.0370% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 5,086 |
| Noncurrent loans to loans | 0.1726% | 5,392 |
| Net loans and leases to total assets | 72.6174% | 1,741 |
| Net loans and leases to deposits | 82.3264% | 2,382 |
| Net loans and leases to core deposits | 96.3743% | 1,643 |
| Total domestic deposits to total assets | 88.2066% | 1,651 |
| Equity capital to assets | 10.6565% | 3,364 |
| Core capital (leverage) ratio | 10.5463% | 2,988 |
| Tier 1 risk-based capital ratio | 13.9865% | 4,227 |
| Total risk-based capital ratio | 14.8698% | 4,404 |
| Memoranda: | ||
| Average total assets | $339,055,750 | 1,927 |
| Average earning assets | $317,454,250 | 1,895 |
| Average equity | $35,080,500 | 1,999 |
| Average total loans | $244,976,000 | 1,731 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8233% | 4,436 |
| Cost of funding earning assets | 0.3475% | 4,464 |
| Net interest margin | 3.4758% | 3,875 |
| Noninterest income to average assets | 0.1963% | 5,788 |
| Noninterest expense to average assets | 2.2370% | 5,321 |
| Loan and lease loss provision to assets | 0.0828% | 2,649 |
| Net operating income to assets | 0.7279% | 3,686 |
| Return on assets (ROA) | 0.7279% | 3,785 |
| Pretax return on assets | 1.1182% | 3,016 |
| Return on Equity (ROE) | 7.1071% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.9050% | 1,812 |
| Net charge-offs to loans | 0.0016% | 4,341 |
| Credit loss provision to net charge-offs | 7,000.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 1,015.5000% | 62 |
| Efficiency ratio | 65.0671% | 4,521 |
| Assets per employee ($millions) | 6.0746% | 1,234 |
| Cash dividends to net income (ytd only)* | 2.8432% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 5,671 |
| Loan loss allowance to noncurrent loans | 542.7208% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 5,222 |
| Noncurrent loans to loans | 0.1692% | 5,503 |
| Net loans and leases to total assets | 70.8738% | 1,935 |
| Net loans and leases to deposits | 80.6026% | 2,435 |
| Net loans and leases to core deposits | 97.2814% | 1,495 |
| Total domestic deposits to total assets | 87.9299% | 1,942 |
| Equity capital to assets | 10.3543% | 3,616 |
| Core capital (leverage) ratio | 10.5150% | 2,928 |
| Tier 1 risk-based capital ratio | 13.6807% | 4,469 |
| Total risk-based capital ratio | 14.5459% | 4,664 |
| Memoranda: | ||
| Average total assets | $338,222,330 | 1,930 |
| Average earning assets | $315,433,670 | 1,903 |
| Average equity | $34,641,330 | 2,010 |
| Average total loans | $243,185,000 | 1,733 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 4,306 |
| Cost of funding earning assets | 0.3483% | 4,555 |
| Net interest margin | 3.4975% | 3,703 |
| Noninterest income to average assets | 0.2095% | 5,685 |
| Noninterest expense to average assets | 2.2298% | 5,384 |
| Loan and lease loss provision to assets | 0.0898% | 2,418 |
| Net operating income to assets | 0.7385% | 3,495 |
| Return on assets (ROA) | 0.7385% | 3,575 |
| Pretax return on assets | 1.1346% | 2,748 |
| Return on Equity (ROE) | 7.2511% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.0396% | 2,029 |
| Net charge-offs to loans | -0.0166% | 5,261 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5530% | 4,769 |
| Assets per employee ($millions) | 6.0068% | 1,298 |
| Cash dividends to net income (ytd only)* | 2.9173% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 5,802 |
| Loan loss allowance to noncurrent loans | 482.8261% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 5,188 |
| Noncurrent loans to loans | 0.1905% | 5,520 |
| Net loans and leases to total assets | 71.1069% | 1,711 |
| Net loans and leases to deposits | 81.1550% | 2,145 |
| Net loans and leases to core deposits | 99.4235% | 1,140 |
| Total domestic deposits to total assets | 87.6187% | 2,443 |
| Equity capital to assets | 10.3152% | 3,442 |
| Core capital (leverage) ratio | 10.6164% | 2,791 |
| Tier 1 risk-based capital ratio | 13.4569% | 4,722 |
| Total risk-based capital ratio | 14.3135% | 4,903 |
| Memoranda: | ||
| Average total assets | $334,207,500 | 1,961 |
| Average earning assets | $310,046,000 | 1,949 |
| Average equity | $34,036,000 | 2,030 |
| Average total loans | $240,939,500 | 1,756 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 4,665 |
| Cost of funding earning assets | 0.3709% | 4,944 |
| Net interest margin | 3.4668% | 4,037 |
| Noninterest income to average assets | 0.1709% | 6,061 |
| Noninterest expense to average assets | 2.2701% | 5,461 |
| Loan and lease loss provision to assets | 0.0250% | 4,626 |
| Net operating income to assets | 0.6941% | 3,819 |
| Return on assets (ROA) | 0.7065% | 3,849 |
| Pretax return on assets | 1.0962% | 2,962 |
| Return on Equity (ROE) | 6.9197% | 3,602 |
| Retained earnings to average equity (ytd only) | 6.7051% | 1,575 |
| Net charge-offs to loans | 0.1570% | 3,234 |
| Credit loss provision to net charge-offs | 23.5988% | 4,378 |
| Earnings coverage of net charge-offs (x) | 10.3835% | 2,380 |
| Efficiency ratio | 67.3227% | 4,321 |
| Assets per employee ($millions) | 6.1488% | 1,173 |
| Cash dividends to net income (ytd only)* | 3.1015% | 4,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 5,963 |
| Loan loss allowance to noncurrent loans | 422.1344% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 5,164 |
| Noncurrent loans to loans | 0.2104% | 5,550 |
| Net loans and leases to total assets | 71.7793% | 1,718 |
| Net loans and leases to deposits | 82.4711% | 2,137 |
| Net loans and leases to core deposits | 99.3609% | 1,204 |
| Total domestic deposits to total assets | 87.0358% | 2,706 |
| Equity capital to assets | 10.0513% | 3,692 |
| Core capital (leverage) ratio | 10.3515% | 3,089 |
| Tier 1 risk-based capital ratio | 13.1066% | 4,907 |
| Total risk-based capital ratio | 13.9322% | 5,132 |
| Memoranda: | ||
| Average total assets | $319,461,000 | 2,011 |
| Average earning assets | $294,968,800 | 2,007 |
| Average equity | $32,617,200 | 2,104 |
| Average total loans | $215,948,600 | 1,892 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 4,816 |
| Cost of funding earning assets | 0.3737% | 5,057 |
| Net interest margin | 3.4377% | 4,134 |
| Noninterest income to average assets | 0.1716% | 6,158 |
| Noninterest expense to average assets | 2.1872% | 5,633 |
| Loan and lease loss provision to assets | 0.0337% | 4,345 |
| Net operating income to assets | 0.7301% | 3,701 |
| Return on assets (ROA) | 0.7435% | 3,756 |
| Pretax return on assets | 1.1431% | 2,932 |
| Return on Equity (ROE) | 7.2528% | 3,515 |
| Retained earnings to average equity (ytd only) | 7.0349% | 1,859 |
| Net charge-offs to loans | 0.0159% | 4,815 |
| Credit loss provision to net charge-offs | 320.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 109.7282% | 463 |
| Efficiency ratio | 65.4186% | 4,588 |
| Assets per employee ($millions) | 6.0301% | 1,225 |
| Cash dividends to net income (ytd only)* | 3.0043% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 5,327 |
| Loan loss allowance to noncurrent loans | 316.9470% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 5,044 |
| Noncurrent loans to loans | 0.3475% | 5,339 |
| Net loans and leases to total assets | 68.8433% | 2,166 |
| Net loans and leases to deposits | 80.5538% | 2,335 |
| Net loans and leases to core deposits | 96.6123% | 1,344 |
| Total domestic deposits to total assets | 85.4625% | 3,515 |
| Equity capital to assets | 10.2145% | 3,620 |
| Core capital (leverage) ratio | 10.4356% | 3,080 |
| Tier 1 risk-based capital ratio | 13.5301% | 4,735 |
| Total risk-based capital ratio | 14.5372% | 4,852 |
| Memoranda: | ||
| Average total assets | $316,317,000 | 2,045 |
| Average earning assets | $291,857,250 | 2,034 |
| Average equity | $32,428,000 | 2,127 |
| Average total loans | $209,818,250 | 1,932 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7366% | 5,035 |
| Cost of funding earning assets | 0.3743% | 5,188 |
| Net interest margin | 3.3623% | 4,335 |
| Noninterest income to average assets | 0.1726% | 6,176 |
| Noninterest expense to average assets | 2.1781% | 5,686 |
| Loan and lease loss provision to assets | 0.0508% | 3,973 |
| Net operating income to assets | 0.6815% | 3,897 |
| Return on assets (ROA) | 0.7017% | 3,969 |
| Pretax return on assets | 1.0811% | 3,166 |
| Return on Equity (ROE) | 6.8365% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.6202% | 2,082 |
| Net charge-offs to loans | 0.0243% | 4,359 |
| Credit loss provision to net charge-offs | 320.0000% | 812 |
| Earnings coverage of net charge-offs (x) | 69.4000% | 641 |
| Efficiency ratio | 66.4280% | 4,469 |
| Assets per employee ($millions) | 6.0234% | 1,185 |
| Cash dividends to net income (ytd only)* | 3.1646% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 5,189 |
| Loan loss allowance to noncurrent loans | 501.0225% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 5,315 |
| Noncurrent loans to loans | 0.2319% | 5,726 |
| Net loans and leases to total assets | 67.8436% | 2,274 |
| Net loans and leases to deposits | 78.8194% | 2,479 |
| Net loans and leases to core deposits | 91.7730% | 1,728 |
| Total domestic deposits to total assets | 86.0746% | 3,319 |
| Equity capital to assets | 10.3550% | 3,486 |
| Core capital (leverage) ratio | 10.6044% | 2,761 |
| Tier 1 risk-based capital ratio | 13.8430% | 4,532 |
| Total risk-based capital ratio | 14.8962% | 4,639 |
| Memoranda: | ||
| Average total assets | $315,224,670 | 2,054 |
| Average earning assets | $291,225,670 | 2,046 |
| Average equity | $32,355,670 | 2,135 |
| Average total loans | $205,601,330 | 1,970 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6108% | 5,425 |
| Cost of funding earning assets | 0.3776% | 5,306 |
| Net interest margin | 3.2332% | 4,791 |
| Noninterest income to average assets | 0.1704% | 6,237 |
| Noninterest expense to average assets | 2.1150% | 5,884 |
| Loan and lease loss provision to assets | 0.1002% | 3,004 |
| Net operating income to assets | 0.5991% | 4,215 |
| Return on assets (ROA) | 0.6390% | 4,188 |
| Pretax return on assets | 0.9886% | 3,401 |
| Return on Equity (ROE) | 6.2522% | 3,914 |
| Retained earnings to average equity (ytd only) | 6.0315% | 2,664 |
| Net charge-offs to loans | -0.0118% | 5,500 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3046% | 4,443 |
| Assets per employee ($millions) | 6.2372% | 1,117 |
| Cash dividends to net income (ytd only)* | 3.5294% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 4,965 |
| Loan loss allowance to noncurrent loans | 1,112.5561% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 5,671 |
| Noncurrent loans to loans | 0.1121% | 6,143 |
| Net loans and leases to total assets | 63.0013% | 2,883 |
| Net loans and leases to deposits | 71.3504% | 3,270 |
| Net loans and leases to core deposits | 81.0011% | 2,695 |
| Total domestic deposits to total assets | 88.2983% | 2,128 |
| Equity capital to assets | 10.4989% | 3,535 |
| Core capital (leverage) ratio | 10.5002% | 2,775 |
| Tier 1 risk-based capital ratio | 14.6770% | 4,051 |
| Total risk-based capital ratio | 15.8140% | 4,094 |
| Memoranda: | ||
| Average total assets | $319,239,500 | 2,049 |
| Average earning assets | $293,455,000 | 2,055 |
| Average equity | $32,628,500 | 2,144 |
| Average total loans | $202,971,000 | 2,008 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 5,112 |
| Cost of funding earning assets | 0.4730% | 5,399 |
| Net interest margin | 3.5845% | 4,161 |
| Noninterest income to average assets | 0.1169% | 6,449 |
| Noninterest expense to average assets | 2.2985% | 5,696 |
| Loan and lease loss provision to assets | 0.2055% | 3,089 |
| Net operating income to assets | 0.5990% | 4,243 |
| Return on assets (ROA) | 0.6696% | 4,157 |
| Pretax return on assets | 1.0734% | 3,262 |
| Return on Equity (ROE) | 5.9835% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.7334% | 2,230 |
| Net charge-offs to loans | 0.2678% | 3,333 |
| Credit loss provision to net charge-offs | 114.3984% | 2,539 |
| Earnings coverage of net charge-offs (x) | 6.5069% | 2,804 |
| Efficiency ratio | 66.2920% | 4,444 |
| Assets per employee ($millions) | 6.4043% | 1,048 |
| Cash dividends to net income (ytd only)* | 4.1799% | 4,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 5,319 |
| Loan loss allowance to noncurrent loans | 852.3132% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 6,198 |
| Noncurrent loans to loans | 0.1358% | 6,142 |
| Net loans and leases to total assets | 62.6388% | 3,142 |
| Net loans and leases to deposits | 70.3720% | 3,657 |
| Net loans and leases to core deposits | 77.6671% | 3,305 |
| Total domestic deposits to total assets | 89.0110% | 1,555 |
| Equity capital to assets | 9.9551% | 4,228 |
| Core capital (leverage) ratio | 10.6302% | 2,621 |
| Tier 1 risk-based capital ratio | 13.9498% | 4,406 |
| Total risk-based capital ratio | 15.0044% | 4,518 |
| Memoranda: | ||
| Average total assets | $282,277,000 | 2,250 |
| Average earning assets | $263,829,800 | 2,202 |
| Average equity | $31,586,600 | 2,164 |
| Average total loans | $189,350,600 | 2,102 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 4,987 |
| Cost of funding earning assets | 0.4949% | 5,468 |
| Net interest margin | 3.6551% | 3,986 |
| Noninterest income to average assets | 0.1170% | 6,554 |
| Noninterest expense to average assets | 2.3830% | 5,446 |
| Loan and lease loss provision to assets | 0.2114% | 2,950 |
| Net operating income to assets | 0.6219% | 4,289 |
| Return on assets (ROA) | 0.7198% | 4,077 |
| Pretax return on assets | 1.1283% | 3,240 |
| Return on Equity (ROE) | 6.2254% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.9660% | 2,712 |
| Net charge-offs to loans | 0.1492% | 3,915 |
| Credit loss provision to net charge-offs | 207.7295% | 1,331 |
| Earnings coverage of net charge-offs (x) | 11.6620% | 2,057 |
| Efficiency ratio | 66.7539% | 4,296 |
| Assets per employee ($millions) | 5.9708% | 1,265 |
| Cash dividends to net income (ytd only)* | 4.1666% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 4,646 |
| Loan loss allowance to noncurrent loans | 703.0387% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 6,253 |
| Noncurrent loans to loans | 0.1901% | 6,132 |
| Net loans and leases to total assets | 64.2187% | 2,994 |
| Net loans and leases to deposits | 73.2035% | 3,413 |
| Net loans and leases to core deposits | 83.8225% | 2,719 |
| Total domestic deposits to total assets | 87.7263% | 2,206 |
| Equity capital to assets | 11.0227% | 3,246 |
| Core capital (leverage) ratio | 11.0920% | 2,307 |
| Tier 1 risk-based capital ratio | 15.3382% | 3,627 |
| Total risk-based capital ratio | 16.5881% | 3,582 |
| Memoranda: | ||
| Average total assets | $271,192,000 | 2,356 |
| Average earning assets | $256,183,000 | 2,289 |
| Average equity | $31,354,500 | 2,195 |
| Average total loans | $184,942,250 | 2,168 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 4,665 |
| Cost of funding earning assets | 0.5200% | 5,482 |
| Net interest margin | 3.7550% | 3,563 |
| Noninterest income to average assets | 0.1212% | 6,577 |
| Noninterest expense to average assets | 2.4956% | 5,150 |
| Loan and lease loss provision to assets | 0.1553% | 3,576 |
| Net operating income to assets | 0.6196% | 4,280 |
| Return on assets (ROA) | 0.7127% | 4,067 |
| Pretax return on assets | 1.1543% | 3,101 |
| Return on Equity (ROE) | 6.0600% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.7766% | 2,837 |
| Net charge-offs to loans | 0.1977% | 3,401 |
| Credit loss provision to net charge-offs | 113.2597% | 2,408 |
| Earnings coverage of net charge-offs (x) | 8.4917% | 2,287 |
| Efficiency ratio | 68.1912% | 4,083 |
| Assets per employee ($millions) | 5.3177% | 1,805 |
| Cash dividends to net income (ytd only)* | 4.6759% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 5,096 |
| Loan loss allowance to noncurrent loans | 674.1379% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 6,259 |
| Noncurrent loans to loans | 0.1864% | 6,210 |
| Net loans and leases to total assets | 69.3460% | 2,043 |
| Net loans and leases to deposits | 80.0240% | 2,376 |
| Net loans and leases to core deposits | 94.1065% | 1,591 |
| Total domestic deposits to total assets | 86.6566% | 2,979 |
| Equity capital to assets | 11.8996% | 2,219 |
| Core capital (leverage) ratio | 11.6834% | 1,795 |
| Tier 1 risk-based capital ratio | 15.2541% | 3,597 |
| Total risk-based capital ratio | 16.4279% | 3,614 |
| Memoranda: | ||
| Average total assets | $264,066,330 | 2,423 |
| Average earning assets | $248,840,670 | 2,364 |
| Average equity | $31,056,330 | 2,200 |
| Average total loans | $183,113,330 | 2,183 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3397% | 4,570 |
| Cost of funding earning assets | 0.5237% | 5,654 |
| Net interest margin | 3.8160% | 3,309 |
| Noninterest income to average assets | 0.1064% | 6,709 |
| Noninterest expense to average assets | 2.6874% | 4,467 |
| Loan and lease loss provision to assets | 0.1064% | 4,017 |
| Net operating income to assets | 0.5624% | 4,537 |
| Return on assets (ROA) | 0.5624% | 4,755 |
| Pretax return on assets | 0.9014% | 4,024 |
| Return on Equity (ROE) | 4.8107% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.5896% | 3,820 |
| Net charge-offs to loans | 0.3993% | 2,103 |
| Credit loss provision to net charge-offs | 38.6740% | 3,465 |
| Earnings coverage of net charge-offs (x) | 3.6630% | 2,783 |
| Efficiency ratio | 72.7273% | 3,304 |
| Assets per employee ($millions) | 5.4621% | 1,725 |
| Cash dividends to net income (ytd only)* | 4.5946% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 5,472 |
| Loan loss allowance to noncurrent loans | 342.2601% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.2716% | 6,212 |
| Noncurrent loans to loans | 0.3512% | 5,971 |
| Net loans and leases to total assets | 67.8993% | 2,135 |
| Net loans and leases to deposits | 78.0192% | 2,503 |
| Net loans and leases to core deposits | 89.6320% | 1,887 |
| Total domestic deposits to total assets | 87.0289% | 2,942 |
| Equity capital to assets | 11.5886% | 2,359 |
| Core capital (leverage) ratio | 11.8160% | 1,702 |
| Tier 1 risk-based capital ratio | 15.1420% | 3,656 |
| Total risk-based capital ratio | 16.2589% | 3,715 |
| Memoranda: | ||
| Average total assets | $263,157,500 | 2,447 |
| Average earning assets | $247,484,500 | 2,387 |
| Average equity | $30,765,000 | 2,217 |
| Average total loans | $181,307,000 | 2,219 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 5,654 |
| Cost of funding earning assets | 0.6993% | 5,547 |
| Net interest margin | 3.6343% | 4,596 |
| Noninterest income to average assets | 0.1025% | 6,630 |
| Noninterest expense to average assets | 2.6439% | 4,945 |
| Loan and lease loss provision to assets | 0.0807% | 5,607 |
| Net operating income to assets | 0.5060% | 4,400 |
| Return on assets (ROA) | 0.4909% | 4,672 |
| Pretax return on assets | 0.7968% | 3,989 |
| Return on Equity (ROE) | 4.4061% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.3043% | 3,120 |
| Net charge-offs to loans | 0.1082% | 5,279 |
| Credit loss provision to net charge-offs | 110.1190% | 3,039 |
| Earnings coverage of net charge-offs (x) | 12.2917% | 1,636 |
| Efficiency ratio | 74.5815% | 3,132 |
| Assets per employee ($millions) | 5.2790% | 1,857 |
| Cash dividends to net income (ytd only)* | 2.3111% | 4,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 4,904 |
| Loan loss allowance to noncurrent loans | 590.8397% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 6,466 |
| Noncurrent loans to loans | 0.2200% | 6,301 |
| Net loans and leases to total assets | 68.1764% | 2,359 |
| Net loans and leases to deposits | 80.7471% | 2,404 |
| Net loans and leases to core deposits | 90.3222% | 2,080 |
| Total domestic deposits to total assets | 84.4321% | 4,125 |
| Equity capital to assets | 11.7964% | 2,271 |
| Core capital (leverage) ratio | 11.9010% | 1,655 |
| Tier 1 risk-based capital ratio | 15.2206% | 3,499 |
| Total risk-based capital ratio | 16.4118% | 3,504 |
| Memoranda: | ||
| Average total assets | $229,172,400 | 2,735 |
| Average earning assets | $217,073,200 | 2,645 |
| Average equity | $25,532,600 | 2,519 |
| Average total loans | $155,230,800 | 2,563 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 5,793 |
| Cost of funding earning assets | 0.7366% | 5,552 |
| Net interest margin | 3.6093% | 4,734 |
| Noninterest income to average assets | 0.0980% | 6,759 |
| Noninterest expense to average assets | 2.6636% | 4,860 |
| Loan and lease loss provision to assets | 0.0812% | 5,429 |
| Net operating income to assets | 0.4774% | 4,649 |
| Return on assets (ROA) | 0.4881% | 4,783 |
| Pretax return on assets | 0.7959% | 4,145 |
| Return on Equity (ROE) | 4.4576% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.4082% | 3,591 |
| Net charge-offs to loans | 0.1509% | 4,558 |
| Credit loss provision to net charge-offs | 79.8817% | 4,145 |
| Earnings coverage of net charge-offs (x) | 8.4674% | 2,172 |
| Efficiency ratio | 75.5885% | 2,903 |
| Assets per employee ($millions) | 5.0904% | 2,076 |
| Cash dividends to net income (ytd only)* | 1.1084% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 4,529 |
| Loan loss allowance to noncurrent loans | 1,368.0723% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 6,650 |
| Noncurrent loans to loans | 0.1028% | 6,672 |
| Net loans and leases to total assets | 65.1561% | 3,075 |
| Net loans and leases to deposits | 77.4023% | 3,100 |
| Net loans and leases to core deposits | 87.5231% | 2,560 |
| Total domestic deposits to total assets | 84.1785% | 4,143 |
| Equity capital to assets | 12.4733% | 1,927 |
| Core capital (leverage) ratio | 12.5529% | 1,414 |
| Tier 1 risk-based capital ratio | 16.6745% | 2,771 |
| Total risk-based capital ratio | 17.9248% | 2,739 |
| Memoranda: | ||
| Average total assets | $221,797,250 | 2,826 |
| Average earning assets | $210,523,500 | 2,731 |
| Average equity | $24,287,250 | 2,647 |
| Average total loans | $149,369,500 | 2,671 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 5,578 |
| Cost of funding earning assets | 0.7621% | 5,611 |
| Net interest margin | 3.6714% | 4,403 |
| Noninterest income to average assets | 0.1008% | 6,818 |
| Noninterest expense to average assets | 2.7478% | 4,632 |
| Loan and lease loss provision to assets | 0.0840% | 5,266 |
| Net operating income to assets | 0.4677% | 4,652 |
| Return on assets (ROA) | 0.4844% | 4,716 |
| Pretax return on assets | 0.7887% | 4,077 |
| Return on Equity (ROE) | 4.6706% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.6706% | 3,211 |
| Net charge-offs to loans | 0.1225% | 4,492 |
| Credit loss provision to net charge-offs | 101.1236% | 3,067 |
| Earnings coverage of net charge-offs (x) | 10.1910% | 1,841 |
| Efficiency ratio | 76.4477% | 2,945 |
| Assets per employee ($millions) | 4.8239% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 3,947 |
| Loan loss allowance to noncurrent loans | 7,951.7241% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 6,821 |
| Noncurrent loans to loans | 0.0194% | 6,949 |
| Net loans and leases to total assets | 65.0722% | 3,243 |
| Net loans and leases to deposits | 75.2155% | 3,611 |
| Net loans and leases to core deposits | 85.8544% | 2,934 |
| Total domestic deposits to total assets | 86.5143% | 3,034 |
| Equity capital to assets | 10.0983% | 4,021 |
| Core capital (leverage) ratio | 10.1396% | 3,097 |
| Tier 1 risk-based capital ratio | 12.8968% | 5,001 |
| Total risk-based capital ratio | 14.1485% | 4,974 |
| Memoranda: | ||
| Average total assets | $214,283,670 | 2,920 |
| Average earning assets | $203,902,330 | 2,826 |
| Average equity | $22,224,000 | 2,850 |
| Average total loans | $145,335,330 | 2,751 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 5,590 |
| Cost of funding earning assets | 0.7744% | 5,720 |
| Net interest margin | 3.6538% | 4,308 |
| Noninterest income to average assets | 0.0942% | 6,947 |
| Noninterest expense to average assets | 2.8433% | 4,287 |
| Loan and lease loss provision to assets | 0.1730% | 3,897 |
| Net operating income to assets | 0.3614% | 5,116 |
| Return on assets (ROA) | 0.3614% | 5,200 |
| Pretax return on assets | 0.5883% | 4,729 |
| Return on Equity (ROE) | 3.4356% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.4356% | 4,128 |
| Net charge-offs to loans | 0.2488% | 3,093 |
| Credit loss provision to net charge-offs | 101.1236% | 2,609 |
| Earnings coverage of net charge-offs (x) | 4.4494% | 2,477 |
| Efficiency ratio | 78.8800% | 2,708 |
| Assets per employee ($millions) | 4.5993% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5710% | 3,865 |
| Loan loss allowance to noncurrent loans | 4,350.9434% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 6,832 |
| Noncurrent loans to loans | 0.0361% | 6,965 |
| Net loans and leases to total assets | 69.8072% | 2,171 |
| Net loans and leases to deposits | 82.4474% | 2,284 |
| Net loans and leases to core deposits | 96.2212% | 1,658 |
| Total domestic deposits to total assets | 84.6688% | 4,197 |
| Equity capital to assets | 10.6677% | 3,020 |
| Core capital (leverage) ratio | 10.2777% | 2,831 |
| Tier 1 risk-based capital ratio | 13.3644% | 4,531 |
| Total risk-based capital ratio | 14.6168% | 4,509 |
| Memoranda: | ||
| Average total assets | $208,064,500 | 3,013 |
| Average earning assets | $199,900,500 | 2,889 |
| Average equity | $21,888,500 | 2,883 |
| Average total loans | $143,083,500 | 2,825 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6564% | 5,934 |
| Cost of funding earning assets | 0.8729% | 6,285 |
| Net interest margin | 3.7835% | 4,010 |
| Noninterest income to average assets | 0.1061% | 6,864 |
| Noninterest expense to average assets | 2.9119% | 4,176 |
| Loan and lease loss provision to assets | 0.4182% | 3,599 |
| Net operating income to assets | 0.2043% | 5,256 |
| Return on assets (ROA) | 0.2311% | 5,328 |
| Pretax return on assets | 0.3842% | 4,996 |
| Return on Equity (ROE) | 2.0508% | 5,363 |
| Retained earnings to average equity (ytd only) | 2.0508% | 4,438 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2883% | 2,506 |
| Assets per employee ($millions) | 4.9800% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 3,384 |
| Loan loss allowance to noncurrent loans | 1,422.8395% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 6,766 |
| Noncurrent loans to loans | 0.1162% | 6,855 |
| Net loans and leases to total assets | 65.5367% | 3,555 |
| Net loans and leases to deposits | 77.2250% | 3,630 |
| Net loans and leases to core deposits | 84.4132% | 3,540 |
| Total domestic deposits to total assets | 84.8646% | 3,922 |
| Equity capital to assets | 10.3739% | 3,304 |
| Core capital (leverage) ratio | 10.4750% | 2,587 |
| Tier 1 risk-based capital ratio | 13.7603% | 4,011 |
| Total risk-based capital ratio | 15.0131% | 3,993 |
| Memoranda: | ||
| Average total assets | $191,284,600 | 3,209 |
| Average earning assets | $180,310,600 | 3,119 |
| Average equity | $21,552,200 | 2,940 |
| Average total loans | $126,370,000 | 3,195 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7440% | 5,876 |
| Cost of funding earning assets | 0.9147% | 6,337 |
| Net interest margin | 3.8293% | 3,847 |
| Noninterest income to average assets | 0.1078% | 7,011 |
| Noninterest expense to average assets | 2.9790% | 3,826 |
| Loan and lease loss provision to assets | 0.4746% | 3,099 |
| Net operating income to assets | 0.1440% | 5,654 |
| Return on assets (ROA) | 0.1806% | 5,731 |
| Pretax return on assets | 0.3026% | 5,502 |
| Return on Equity (ROE) | 1.5678% | 5,748 |
| Retained earnings to average equity (ytd only) | 1.5678% | 5,169 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5325% | 2,268 |
| Assets per employee ($millions) | 4.8759% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 3,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 7,072 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 63.3521% | 4,244 |
| Net loans and leases to deposits | 75.4766% | 4,267 |
| Net loans and leases to core deposits | 83.0845% | 4,079 |
| Total domestic deposits to total assets | 83.9360% | 4,162 |
| Equity capital to assets | 11.0398% | 2,924 |
| Core capital (leverage) ratio | 10.8563% | 2,364 |
| Tier 1 risk-based capital ratio | 14.6215% | 3,447 |
| Total risk-based capital ratio | 15.8744% | 3,416 |
| Memoranda: | ||
| Average total assets | $186,816,000 | 3,321 |
| Average earning assets | $175,204,750 | 3,228 |
| Average equity | $21,515,750 | 2,981 |
| Average total loans | $123,117,250 | 3,305 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8051% | 5,786 |
| Cost of funding earning assets | 0.9652% | 6,314 |
| Net interest margin | 3.8398% | 3,714 |
| Noninterest income to average assets | 0.1118% | 7,046 |
| Noninterest expense to average assets | 3.0101% | 3,679 |
| Loan and lease loss provision to assets | 0.5645% | 2,514 |
| Net operating income to assets | 0.0646% | 5,958 |
| Return on assets (ROA) | 0.1074% | 5,957 |
| Pretax return on assets | 0.1842% | 5,806 |
| Return on Equity (ROE) | 0.9189% | 5,973 |
| Retained earnings to average equity (ytd only) | 0.9189% | 5,394 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5321% | 2,232 |
| Assets per employee ($millions) | 4.4251% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5956% | 3,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1238% | 7,085 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 67.0291% | 3,617 |
| Net loans and leases to deposits | 80.9083% | 3,448 |
| Net loans and leases to core deposits | 94.0694% | 2,704 |
| Total domestic deposits to total assets | 82.8458% | 4,632 |
| Equity capital to assets | 11.7430% | 2,254 |
| Core capital (leverage) ratio | 11.1000% | 2,167 |
| Tier 1 risk-based capital ratio | 14.6577% | 3,349 |
| Total risk-based capital ratio | 15.9096% | 3,326 |
| Memoranda: | ||
| Average total assets | $182,450,330 | 3,409 |
| Average earning assets | $170,112,670 | 3,342 |
| Average equity | $21,331,000 | 2,997 |
| Average total loans | $121,216,670 | 3,384 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7974% | 5,897 |
| Cost of funding earning assets | 0.9475% | 6,591 |
| Net interest margin | 3.8499% | 3,571 |
| Noninterest income to average assets | 0.1107% | 7,140 |
| Noninterest expense to average assets | 3.0473% | 3,491 |
| Loan and lease loss provision to assets | 0.9405% | 1,339 |
| Net operating income to assets | -0.2191% | 6,567 |
| Return on assets (ROA) | -0.2191% | 6,634 |
| Pretax return on assets | -0.3342% | 6,670 |
| Return on Equity (ROE) | -1.8782% | 6,627 |
| Retained earnings to average equity (ytd only) | -1.8782% | 6,196 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4040% | 2,086 |
| Assets per employee ($millions) | 4.2034% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 3,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 7,024 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 67.7939% | 3,441 |
| Net loans and leases to deposits | 82.3133% | 3,233 |
| Net loans and leases to core deposits | 96.7292% | 2,497 |
| Total domestic deposits to total assets | 82.3608% | 4,906 |
| Equity capital to assets | 11.9608% | 2,058 |
| Core capital (leverage) ratio | 11.3964% | 1,966 |
| Tier 1 risk-based capital ratio | 14.7895% | 3,210 |
| Total risk-based capital ratio | 16.0414% | 3,171 |
| Memoranda: | ||
| Average total assets | $180,748,000 | 3,487 |
| Average earning assets | $166,340,000 | 3,458 |
| Average equity | $21,084,000 | 3,055 |
| Average total loans | $118,526,500 | 3,481 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 6,262 |
| Cost of funding earning assets | 1.1897% | 6,687 |
| Net interest margin | 3.8605% | 3,437 |
| Noninterest income to average assets | 0.1157% | 7,180 |
| Noninterest expense to average assets | 3.4085% | 2,647 |
| Loan and lease loss provision to assets | 0.5310% | 3,719 |
| Net operating income to assets | -0.2677% | 5,922 |
| Return on assets (ROA) | -0.0342% | 5,585 |
| Pretax return on assets | -0.0167% | 5,474 |
| Return on Equity (ROE) | -0.2214% | 5,573 |
| Retained earnings to average equity (ytd only) | -0.2214% | 4,995 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3896% | 1,530 |
| Assets per employee ($millions) | 4.7424% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 4,735 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 7,012 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 61.6008% | 5,082 |
| Net loans and leases to deposits | 72.3437% | 5,279 |
| Net loans and leases to core deposits | 87.2587% | 5,408 |
| Total domestic deposits to total assets | 85.1502% | 3,486 |
| Equity capital to assets | 11.3824% | 2,409 |
| Core capital (leverage) ratio | 12.5627% | 1,421 |
| Tier 1 risk-based capital ratio | 14.8530% | 3,025 |
| Total risk-based capital ratio | 15.9724% | 3,044 |
| Memoranda: | ||
| Average total assets | $137,479,600 | 4,176 |
| Average earning assets | $127,263,600 | 4,149 |
| Average equity | $21,233,200 | 3,049 |
| Average total loans | $93,721,600 | 4,110 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2022% | 5,868 |
| Cost of funding earning assets | 1.2570% | 6,690 |
| Net interest margin | 3.9451% | 3,063 |
| Noninterest income to average assets | 0.1253% | 7,261 |
| Noninterest expense to average assets | 3.7459% | 1,713 |
| Loan and lease loss provision to assets | 0.3874% | 3,995 |
| Net operating income to assets | -0.3039% | 6,204 |
| Return on assets (ROA) | -0.0966% | 5,921 |
| Pretax return on assets | -0.1040% | 5,850 |
| Return on Equity (ROE) | -0.5702% | 5,865 |
| Retained earnings to average equity (ytd only) | -0.5702% | 5,373 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4105% | 1,143 |
| Assets per employee ($millions) | 3.7772% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 5,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 6,894 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 71.5749% | 3,138 |
| Net loans and leases to deposits | 88.7569% | 2,826 |
| Net loans and leases to core deposits | 110.2598% | 3,206 |
| Total domestic deposits to total assets | 80.6415% | 5,211 |
| Equity capital to assets | 14.5279% | 1,137 |
| Core capital (leverage) ratio | 13.9612% | 1,102 |
| Tier 1 risk-based capital ratio | 16.8187% | 2,328 |
| Total risk-based capital ratio | 17.7771% | 2,370 |
| Memoranda: | ||
| Average total assets | $125,611,500 | 4,461 |
| Average earning assets | $117,204,500 | 4,399 |
| Average equity | $21,278,500 | 3,061 |
| Average total loans | $88,292,750 | 4,302 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0898% | 6,476 |
| Cost of funding earning assets | 1.2765% | 6,880 |
| Net interest margin | 3.8133% | 3,496 |
| Noninterest income to average assets | 0.1031% | 7,464 |
| Noninterest expense to average assets | 3.9331% | 1,426 |
| Loan and lease loss provision to assets | 0.1858% | 5,168 |
| Net operating income to assets | -0.4528% | 6,499 |
| Return on assets (ROA) | -0.0879% | 6,040 |
| Pretax return on assets | -0.0828% | 5,978 |
| Return on Equity (ROE) | -0.4897% | 5,995 |
| Retained earnings to average equity (ytd only) | -0.4897% | 5,343 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.1330% | 939 |
| Assets per employee ($millions) | 3.6964% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 6,357 |
| 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 | 68.8755% | 3,976 |
| Net loans and leases to deposits | 91.1823% | 2,617 |
| Net loans and leases to core deposits | 124.1217% | 2,013 |
| Total domestic deposits to total assets | 75.5360% | 6,651 |
| Equity capital to assets | 16.2351% | 793 |
| Core capital (leverage) ratio | 16.6896% | 654 |
| Tier 1 risk-based capital ratio | 19.0574% | 1,765 |
| Total risk-based capital ratio | 19.9151% | 1,802 |
| Memoranda: | ||
| Average total assets | $118,378,670 | 4,678 |
| Average earning assets | $110,769,670 | 4,605 |
| Average equity | $21,237,670 | 3,066 |
| Average total loans | $82,198,000 | 4,520 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1473% | 6,498 |
| Cost of funding earning assets | 1.4093% | 6,697 |
| Net interest margin | 3.7380% | 3,725 |
| Noninterest income to average assets | 0.1276% | 7,380 |
| Noninterest expense to average assets | 3.9582% | 1,233 |
| Loan and lease loss provision to assets | 0.1063% | 5,607 |
| Net operating income to assets | -0.4252% | 6,806 |
| Return on assets (ROA) | -0.1382% | 6,569 |
| Pretax return on assets | -0.1347% | 6,508 |
| Return on Equity (ROE) | -0.7305% | 6,503 |
| Retained earnings to average equity (ytd only) | -0.7305% | 5,821 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6576% | 846 |
| Assets per employee ($millions) | 3.3630% | 5,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 6,059 |
| 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 | 68.4989% | 4,013 |
| Net loans and leases to deposits | 88.4886% | 3,201 |
| Net loans and leases to core deposits | 121.0407% | 2,332 |
| Total domestic deposits to total assets | 77.4099% | 6,179 |
| Equity capital to assets | 18.6764% | 524 |
| Core capital (leverage) ratio | 18.8701% | 461 |
| Tier 1 risk-based capital ratio | 23.0651% | 1,187 |
| Total risk-based capital ratio | 23.9452% | 1,197 |
| Memoranda: | ||
| Average total assets | $112,881,000 | 4,826 |
| Average earning assets | $106,152,500 | 4,745 |
| Average equity | $21,354,500 | 3,066 |
| Average total loans | $78,301,000 | 4,668 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6762% | 6,850 |
| Cost of funding earning assets | 1.6053% | 7,438 |
| Net interest margin | 4.0709% | 2,828 |
| Noninterest income to average assets | 0.1430% | 7,389 |
| Noninterest expense to average assets | 4.3189% | 1,026 |
| Loan and lease loss provision to assets | 0.4579% | 2,999 |
| Net operating income to assets | -0.5088% | 6,927 |
| Return on assets (ROA) | -1.9517% | 7,555 |
| Pretax return on assets | -3.0359% | 7,714 |
| Return on Equity (ROE) | -7.3146% | 7,072 |
| Retained earnings to average equity (ytd only) | -7.3146% | 6,812 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0958% | 757 |
| Assets per employee ($millions) | 3.9793% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 6,052 |
| 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 | 68.8377% | 4,293 |
| Net loans and leases to deposits | 89.5138% | 3,532 |
| Net loans and leases to core deposits | 116.6259% | 3,054 |
| Total domestic deposits to total assets | 76.9018% | 6,020 |
| Equity capital to assets | 19.1653% | 530 |
| Core capital (leverage) ratio | 20.0646% | 443 |
| Tier 1 risk-based capital ratio | 24.3099% | 1,050 |
| Total risk-based capital ratio | 25.2024% | 1,067 |
| Memoranda: | ||
| Average total assets | $82,544,600 | 5,611 |
| Average earning assets | $78,115,400 | 5,493 |
| Average equity | $22,024,400 | 2,974 |
| Average total loans | $54,245,000 | 5,516 |