Home > Bank of New England > Performance and Condition Ratios
Bank of New England, 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 | 7.3328% | 177 |
| Cost of funding earning assets | 2.3910% | 471 |
| Net interest margin | 4.9418% | 344 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 1.3319% | 4,426 |
| Loan and lease loss provision to assets | 0.3000% | 363 |
| Net operating income to assets | 2.3872% | 268 |
| Return on assets (ROA) | 2.3878% | 263 |
| Pretax return on assets | 3.1756% | 173 |
| Return on Equity (ROE) | 13.8200% | 1,522 |
| Retained earnings to average equity (ytd only) | 12.9312% | 515 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 27.7054% | 4,503 |
| Assets per employee ($millions) | 14.2458% | 244 |
| Cash dividends to net income (ytd only)* | 6.4546% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 3,474 |
| Loan loss allowance to noncurrent loans | 2,700.2326% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 3,452 |
| Noncurrent loans to loans | 0.0357% | 3,477 |
| Net loans and leases to total assets | 86.3300% | 144 |
| Net loans and leases to deposits | 107.8411% | 243 |
| Net loans and leases to core deposits | 189.0834% | 88 |
| Total domestic deposits to total assets | 80.0500% | 3,453 |
| Equity capital to assets | 17.8364% | 356 |
| Core capital (leverage) ratio | 17.6306% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0653% | 783 |
| Memoranda: | ||
| Average total assets | $1,337,905,600 | 781 |
| Average earning assets | $1,296,535,200 | 742 |
| Average equity | $231,099,600 | 477 |
| Average total loans | $1,153,885,200 | 654 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1726% | 177 |
| Cost of funding earning assets | 2.2140% | 481 |
| Net interest margin | 4.9586% | 326 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 1.3738% | 4,413 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 2.3823% | 296 |
| Return on assets (ROA) | 2.3800% | 288 |
| Pretax return on assets | 3.1566% | 208 |
| Return on Equity (ROE) | 13.9000% | 1,683 |
| Retained earnings to average equity (ytd only) | 12.9941% | 815 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 28.5047% | 4,526 |
| Assets per employee ($millions) | 14.3106% | 229 |
| Cash dividends to net income (ytd only)* | 6.4933% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 3,599 |
| Loan loss allowance to noncurrent loans | 2,527.1910% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 3,480 |
| Noncurrent loans to loans | 0.0372% | 3,500 |
| Net loans and leases to total assets | 85.4500% | 182 |
| Net loans and leases to deposits | 106.0394% | 290 |
| Net loans and leases to core deposits | 193.7787% | 46 |
| Total domestic deposits to total assets | 80.5800% | 3,447 |
| Equity capital to assets | 17.1973% | 385 |
| Core capital (leverage) ratio | 17.4961% | 376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7852% | 847 |
| Memoranda: | ||
| Average total assets | $1,326,922,500 | 789 |
| Average earning assets | $1,284,615,750 | 747 |
| Average equity | $227,257,000 | 483 |
| Average total loans | $1,141,229,000 | 661 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0437% | 172 |
| Cost of funding earning assets | 2.0393% | 454 |
| Net interest margin | 5.0044% | 306 |
| Noninterest income to average assets | 0.0200% | 4,546 |
| Noninterest expense to average assets | 1.3546% | 4,447 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 2.5321% | 237 |
| Return on assets (ROA) | 2.5318% | 233 |
| Pretax return on assets | 3.3420% | 164 |
| Return on Equity (ROE) | 14.8000% | 1,510 |
| Retained earnings to average equity (ytd only) | 13.8984% | 695 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 27.8735% | 4,555 |
| Assets per employee ($millions) | 13.2680% | 281 |
| Cash dividends to net income (ytd only)* | 6.1189% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 3,640 |
| Loan loss allowance to noncurrent loans | 3,169.5906% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 3,538 |
| Noncurrent loans to loans | 0.0298% | 3,535 |
| Net loans and leases to total assets | 83.8700% | 281 |
| Net loans and leases to deposits | 104.0151% | 369 |
| Net loans and leases to core deposits | 175.8426% | 62 |
| Total domestic deposits to total assets | 80.6300% | 3,481 |
| Equity capital to assets | 17.1510% | 381 |
| Core capital (leverage) ratio | 17.4908% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,306,519,667 | 791 |
| Average earning assets | $1,263,772,667 | 749 |
| Average equity | $223,435,667 | 478 |
| Average total loans | $1,122,509,667 | 654 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8720% | 128 |
| Cost of funding earning assets | 1.8206% | 433 |
| Net interest margin | 5.0514% | 277 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 1.3826% | 4,481 |
| Loan and lease loss provision to assets | 0.4400% | 177 |
| Net operating income to assets | 2.2166% | 359 |
| Return on assets (ROA) | 2.2193% | 355 |
| Pretax return on assets | 3.0965% | 186 |
| Return on Equity (ROE) | 13.0000% | 1,987 |
| Retained earnings to average equity (ytd only) | 12.0841% | 1,252 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 28.1444% | 4,618 |
| Assets per employee ($millions) | 14.0433% | 244 |
| Cash dividends to net income (ytd only)* | 7.0235% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,527 |
| Loan loss allowance to noncurrent loans | 3,164.2458% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 3,511 |
| Noncurrent loans to loans | 0.0316% | 3,534 |
| Net loans and leases to total assets | 86.0000% | 131 |
| Net loans and leases to deposits | 106.8814% | 232 |
| Net loans and leases to core deposits | 179.4789% | 55 |
| Total domestic deposits to total assets | 80.4600% | 3,711 |
| Equity capital to assets | 17.0909% | 338 |
| Core capital (leverage) ratio | 17.5287% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,283,112,000 | 821 |
| Average earning assets | $1,242,427,000 | 775 |
| Average equity | $219,098,500 | 495 |
| Average total loans | $1,110,826,500 | 664 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8126% | 106 |
| Cost of funding earning assets | 1.0683% | 132 |
| Net interest margin | 4.7442% | 191 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 1.2328% | 4,595 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 2.4559% | 153 |
| Return on assets (ROA) | 2.4491% | 148 |
| Pretax return on assets | 3.3680% | 103 |
| Return on Equity (ROE) | 15.2000% | 1,213 |
| Retained earnings to average equity (ytd only) | 14.4448% | 336 |
| Net charge-offs to loans | -0.0014% | 3,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 26.4616% | 4,669 |
| Assets per employee ($millions) | 13.8483% | 256 |
| Cash dividends to net income (ytd only)* | 4.9397% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 2,299 |
| Loan loss allowance to noncurrent loans | 3,565.3226% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 3,521 |
| Noncurrent loans to loans | 0.0342% | 3,535 |
| Net loans and leases to total assets | 85.2200% | 199 |
| Net loans and leases to deposits | 105.4968% | 257 |
| Net loans and leases to core deposits | 148.6353% | 100 |
| Total domestic deposits to total assets | 80.7800% | 3,783 |
| Equity capital to assets | 17.0596% | 330 |
| Core capital (leverage) ratio | 17.3946% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,239,909,000 | 832 |
| Average earning assets | $1,211,135,200 | 785 |
| Average equity | $199,837,000 | 529 |
| Average total loans | $1,062,049,400 | 650 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4995% | 115 |
| Cost of funding earning assets | 0.9225% | 92 |
| Net interest margin | 4.5770% | 208 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 1.2937% | 4,582 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 2.2890% | 194 |
| Return on assets (ROA) | 2.2793% | 192 |
| Pretax return on assets | 3.1454% | 122 |
| Return on Equity (ROE) | 14.3600% | 1,335 |
| Retained earnings to average equity (ytd only) | 13.6594% | 515 |
| Net charge-offs to loans | -0.0019% | 3,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 28.7600% | 4,696 |
| Assets per employee ($millions) | 12.9003% | 306 |
| Cash dividends to net income (ytd only)* | 4.8555% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 2,526 |
| Loan loss allowance to noncurrent loans | 1,888.7446% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 3,318 |
| Noncurrent loans to loans | 0.0635% | 3,420 |
| Net loans and leases to total assets | 89.8400% | 30 |
| Net loans and leases to deposits | 111.6193% | 109 |
| Net loans and leases to core deposits | 148.1020% | 72 |
| Total domestic deposits to total assets | 80.4900% | 4,055 |
| Equity capital to assets | 17.1882% | 310 |
| Core capital (leverage) ratio | 16.8978% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,234,837,250 | 838 |
| Average earning assets | $1,207,786,000 | 792 |
| Average equity | $196,050,000 | 539 |
| Average total loans | $1,055,764,500 | 651 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1347% | 140 |
| Cost of funding earning assets | 0.8445% | 77 |
| Net interest margin | 4.2902% | 277 |
| Noninterest income to average assets | 0.0193% | 4,706 |
| Noninterest expense to average assets | 1.2452% | 4,616 |
| Loan and lease loss provision to assets | 0.0021% | 2,571 |
| Net operating income to assets | 2.1643% | 170 |
| Return on assets (ROA) | 2.1548% | 172 |
| Pretax return on assets | 2.9708% | 100 |
| Return on Equity (ROE) | 13.9414% | 1,125 |
| Retained earnings to average equity (ytd only) | 13.3061% | 432 |
| Net charge-offs to loans | -0.0029% | 3,194 |
| Credit loss provision to net charge-offs | -86.6667% | 3,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.4368% | 4,720 |
| Assets per employee ($millions) | 13.1381% | 280 |
| Cash dividends to net income (ytd only)* | 4.5570% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 2,615 |
| Loan loss allowance to noncurrent loans | 1,619.6931% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 3,347 |
| Noncurrent loans to loans | 0.0751% | 3,424 |
| Net loans and leases to total assets | 83.3114% | 215 |
| Net loans and leases to deposits | 101.8535% | 212 |
| Net loans and leases to core deposits | 141.4398% | 74 |
| Total domestic deposits to total assets | 81.7953% | 4,035 |
| Equity capital to assets | 16.1097% | 330 |
| Core capital (leverage) ratio | 15.7191% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,246,540,667 | 824 |
| Average earning assets | $1,223,478,667 | 782 |
| Average equity | $192,663,000 | 556 |
| Average total loans | $1,044,025,000 | 644 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9930% | 154 |
| Cost of funding earning assets | 0.8064% | 85 |
| Net interest margin | 4.1866% | 291 |
| Noninterest income to average assets | 0.0188% | 4,724 |
| Noninterest expense to average assets | 1.2709% | 4,637 |
| Loan and lease loss provision to assets | -0.2051% | 4,689 |
| Net operating income to assets | 2.2396% | 159 |
| Return on assets (ROA) | 2.2285% | 157 |
| Pretax return on assets | 3.0695% | 97 |
| Return on Equity (ROE) | 14.7257% | 697 |
| Retained earnings to average equity (ytd only) | 14.1453% | 370 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.6289% | 4,737 |
| Assets per employee ($millions) | 12.8293% | 320 |
| Cash dividends to net income (ytd only)* | 3.9415% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 2,986 |
| Loan loss allowance to noncurrent loans | 1,471.9018% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 3,406 |
| Noncurrent loans to loans | 0.0798% | 3,441 |
| Net loans and leases to total assets | 81.0653% | 197 |
| Net loans and leases to deposits | 96.9201% | 259 |
| Net loans and leases to core deposits | 136.7368% | 73 |
| Total domestic deposits to total assets | 83.6414% | 3,842 |
| Equity capital to assets | 15.4971% | 353 |
| Core capital (leverage) ratio | 15.7590% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,252,322,000 | 825 |
| Average earning assets | $1,235,575,000 | 785 |
| Average equity | $189,519,000 | 579 |
| Average total loans | $1,045,266,000 | 633 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1019% | 232 |
| Cost of funding earning assets | 0.9758% | 82 |
| Net interest margin | 4.1261% | 566 |
| Noninterest income to average assets | 0.0128% | 4,781 |
| Noninterest expense to average assets | 1.2695% | 4,693 |
| Loan and lease loss provision to assets | 0.1087% | 1,159 |
| Net operating income to assets | 1.9388% | 379 |
| Return on assets (ROA) | 1.9369% | 403 |
| Pretax return on assets | 2.6915% | 204 |
| Return on Equity (ROE) | 13.1238% | 1,421 |
| Retained earnings to average equity (ytd only) | 12.5225% | 467 |
| Net charge-offs to loans | 0.0002% | 2,700 |
| Credit loss provision to net charge-offs | 64,300.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 16,580.5000% | 5 |
| Efficiency ratio | 31.1755% | 4,785 |
| Assets per employee ($millions) | 13.1271% | 303 |
| Cash dividends to net income (ytd only)* | 4.5814% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,970 |
| Loan loss allowance to noncurrent loans | 1,492.0897% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 3,495 |
| Noncurrent loans to loans | 0.0792% | 3,531 |
| Net loans and leases to total assets | 83.8824% | 112 |
| Net loans and leases to deposits | 98.9844% | 217 |
| Net loans and leases to core deposits | 141.4059% | 64 |
| Total domestic deposits to total assets | 84.7430% | 3,345 |
| Equity capital to assets | 14.7743% | 525 |
| Core capital (leverage) ratio | 15.0809% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,183,254,400 | 837 |
| Average earning assets | $1,164,069,200 | 798 |
| Average equity | $174,637,000 | 617 |
| Average total loans | $1,025,931,800 | 642 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0370% | 279 |
| Cost of funding earning assets | 1.0133% | 81 |
| Net interest margin | 4.0237% | 758 |
| Noninterest income to average assets | 0.0129% | 4,856 |
| Noninterest expense to average assets | 1.3388% | 4,719 |
| Loan and lease loss provision to assets | 0.0860% | 1,386 |
| Net operating income to assets | 1.8293% | 627 |
| Return on assets (ROA) | 1.8275% | 659 |
| Pretax return on assets | 2.5398% | 324 |
| Return on Equity (ROE) | 12.3859% | 1,906 |
| Retained earnings to average equity (ytd only) | 11.7750% | 885 |
| Net charge-offs to loans | 0.0003% | 2,455 |
| Credit loss provision to net charge-offs | 37,550.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 11,471.5000% | 7 |
| Efficiency ratio | 33.7501% | 4,837 |
| Assets per employee ($millions) | 12.8461% | 315 |
| Cash dividends to net income (ytd only)* | 4.9326% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 3,215 |
| Loan loss allowance to noncurrent loans | 1,375.3409% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,631 |
| Noncurrent loans to loans | 0.0835% | 3,667 |
| Net loans and leases to total assets | 85.3858% | 77 |
| Net loans and leases to deposits | 100.8078% | 207 |
| Net loans and leases to core deposits | 151.1239% | 58 |
| Total domestic deposits to total assets | 84.7016% | 3,218 |
| Equity capital to assets | 14.7087% | 596 |
| Core capital (leverage) ratio | 15.0830% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,164,018,500 | 857 |
| Average earning assets | $1,143,796,250 | 818 |
| Average equity | $171,750,000 | 634 |
| Average total loans | $1,014,984,250 | 662 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0490% | 320 |
| Cost of funding earning assets | 1.0526% | 87 |
| Net interest margin | 3.9964% | 828 |
| Noninterest income to average assets | 0.0112% | 4,896 |
| Noninterest expense to average assets | 1.3809% | 4,736 |
| Loan and lease loss provision to assets | 0.0026% | 2,824 |
| Net operating income to assets | 1.8366% | 662 |
| Return on assets (ROA) | 1.8346% | 692 |
| Pretax return on assets | 2.5488% | 331 |
| Return on Equity (ROE) | 12.4197% | 1,903 |
| Retained earnings to average equity (ytd only) | 11.7990% | 962 |
| Net charge-offs to loans | 0.0004% | 2,238 |
| Credit loss provision to net charge-offs | 750.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 7,312.5000% | 9 |
| Efficiency ratio | 35.0923% | 4,858 |
| Assets per employee ($millions) | 12.0117% | 348 |
| Cash dividends to net income (ytd only)* | 4.9976% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,278 |
| Loan loss allowance to noncurrent loans | 1,242.2951% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,689 |
| Noncurrent loans to loans | 0.0912% | 3,719 |
| Net loans and leases to total assets | 84.3056% | 127 |
| Net loans and leases to deposits | 99.6770% | 263 |
| Net loans and leases to core deposits | 157.5372% | 55 |
| Total domestic deposits to total assets | 84.5788% | 3,263 |
| Equity capital to assets | 14.8065% | 563 |
| Core capital (leverage) ratio | 14.8582% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,145,232,667 | 865 |
| Average earning assets | $1,124,423,667 | 820 |
| Average equity | $169,166,333 | 640 |
| Average total loans | $1,001,935,333 | 674 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0668% | 318 |
| Cost of funding earning assets | 1.0651% | 97 |
| Net interest margin | 4.0016% | 839 |
| Noninterest income to average assets | 0.0113% | 4,922 |
| Noninterest expense to average assets | 1.3414% | 4,789 |
| Loan and lease loss provision to assets | 0.2097% | 570 |
| Net operating income to assets | 1.7163% | 910 |
| Return on assets (ROA) | 1.7115% | 972 |
| Pretax return on assets | 2.3799% | 534 |
| Return on Equity (ROE) | 11.6013% | 2,158 |
| Retained earnings to average equity (ytd only) | 10.9722% | 1,408 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0711% | 4,871 |
| Assets per employee ($millions) | 11.8550% | 362 |
| Cash dividends to net income (ytd only)* | 5.4222% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 3,064 |
| Loan loss allowance to noncurrent loans | 1,265.4661% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 3,813 |
| Noncurrent loans to loans | 0.0928% | 3,840 |
| Net loans and leases to total assets | 84.7564% | 121 |
| Net loans and leases to deposits | 99.4765% | 302 |
| Net loans and leases to core deposits | 161.0282% | 61 |
| Total domestic deposits to total assets | 85.2024% | 3,025 |
| Equity capital to assets | 14.2462% | 622 |
| Core capital (leverage) ratio | 15.2117% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,129,277,500 | 864 |
| Average earning assets | $1,107,843,500 | 822 |
| Average equity | $166,602,500 | 641 |
| Average total loans | $1,001,020,500 | 675 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2595% | 292 |
| Cost of funding earning assets | 1.2942% | 180 |
| Net interest margin | 3.9652% | 1,050 |
| Noninterest income to average assets | 0.0147% | 4,931 |
| Noninterest expense to average assets | 1.4403% | 4,817 |
| Loan and lease loss provision to assets | 0.1965% | 1,986 |
| Net operating income to assets | 1.6273% | 607 |
| Return on assets (ROA) | 1.6289% | 649 |
| Pretax return on assets | 2.2621% | 270 |
| Return on Equity (ROE) | 10.5856% | 1,780 |
| Retained earnings to average equity (ytd only) | 9.9137% | 602 |
| Net charge-offs to loans | 0.0011% | 3,385 |
| Credit loss provision to net charge-offs | 19,950.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 2,494.4000% | 36 |
| Efficiency ratio | 36.9623% | 4,927 |
| Assets per employee ($millions) | 10.8389% | 411 |
| Cash dividends to net income (ytd only)* | 6.3479% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 3,202 |
| Loan loss allowance to noncurrent loans | 1,158.5714% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 3,865 |
| Noncurrent loans to loans | 0.0995% | 3,897 |
| Net loans and leases to total assets | 90.7647% | 22 |
| Net loans and leases to deposits | 107.9908% | 194 |
| Net loans and leases to core deposits | 186.6786% | 48 |
| Total domestic deposits to total assets | 84.0485% | 3,093 |
| Equity capital to assets | 15.3130% | 516 |
| Core capital (leverage) ratio | 15.6898% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,015,448,400 | 871 |
| Average earning assets | $994,171,400 | 824 |
| Average equity | $156,259,200 | 654 |
| Average total loans | $905,917,200 | 707 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2237% | 396 |
| Cost of funding earning assets | 1.3368% | 207 |
| Net interest margin | 3.8869% | 1,378 |
| Noninterest income to average assets | 0.0152% | 4,962 |
| Noninterest expense to average assets | 1.4872% | 4,816 |
| Loan and lease loss provision to assets | 0.2134% | 1,888 |
| Net operating income to assets | 1.5246% | 857 |
| Return on assets (ROA) | 1.5272% | 933 |
| Pretax return on assets | 2.1209% | 396 |
| Return on Equity (ROE) | 9.9113% | 2,052 |
| Retained earnings to average equity (ytd only) | 9.2310% | 929 |
| Net charge-offs to loans | 0.0015% | 3,159 |
| Credit loss provision to net charge-offs | 16,020.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 1,750.2000% | 67 |
| Efficiency ratio | 38.9494% | 4,917 |
| Assets per employee ($millions) | 10.6932% | 410 |
| Cash dividends to net income (ytd only)* | 6.8638% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 2,910 |
| Loan loss allowance to noncurrent loans | 1,076.7191% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 3,953 |
| Noncurrent loans to loans | 0.1074% | 3,937 |
| Net loans and leases to total assets | 88.4889% | 69 |
| Net loans and leases to deposits | 105.0126% | 358 |
| Net loans and leases to core deposits | 173.8890% | 62 |
| Total domestic deposits to total assets | 84.2651% | 2,724 |
| Equity capital to assets | 15.0675% | 624 |
| Core capital (leverage) ratio | 15.3987% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,001,047,750 | 868 |
| Average earning assets | $979,460,250 | 819 |
| Average equity | $154,245,000 | 651 |
| Average total loans | $886,070,250 | 717 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2517% | 517 |
| Cost of funding earning assets | 1.3911% | 234 |
| Net interest margin | 3.8606% | 1,666 |
| Noninterest income to average assets | 0.0143% | 4,985 |
| Noninterest expense to average assets | 1.4656% | 4,873 |
| Loan and lease loss provision to assets | 0.1008% | 3,011 |
| Net operating income to assets | 1.6017% | 757 |
| Return on assets (ROA) | 1.6055% | 821 |
| Pretax return on assets | 2.2295% | 349 |
| Return on Equity (ROE) | 10.3377% | 1,872 |
| Retained earnings to average equity (ytd only) | 9.6491% | 850 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6599% | 4,944 |
| Assets per employee ($millions) | 10.2183% | 468 |
| Cash dividends to net income (ytd only)* | 6.6607% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 2,878 |
| Loan loss allowance to noncurrent loans | 956.7410% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 4,030 |
| Noncurrent loans to loans | 0.1181% | 3,977 |
| Net loans and leases to total assets | 84.4481% | 223 |
| Net loans and leases to deposits | 100.4213% | 525 |
| Net loans and leases to core deposits | 164.4936% | 69 |
| Total domestic deposits to total assets | 84.0938% | 2,721 |
| Equity capital to assets | 15.2858% | 571 |
| Core capital (leverage) ratio | 15.4044% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $981,855,333 | 872 |
| Average earning assets | $960,530,333 | 820 |
| Average equity | $152,490,667 | 651 |
| Average total loans | $865,518,000 | 722 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4484% | 418 |
| Cost of funding earning assets | 1.4937% | 281 |
| Net interest margin | 3.9547% | 1,517 |
| Noninterest income to average assets | 0.0166% | 5,028 |
| Noninterest expense to average assets | 1.5308% | 4,898 |
| Loan and lease loss provision to assets | 0.0778% | 2,748 |
| Net operating income to assets | 1.6340% | 585 |
| Return on assets (ROA) | 1.6389% | 636 |
| Pretax return on assets | 2.2777% | 248 |
| Return on Equity (ROE) | 10.4648% | 1,591 |
| Retained earnings to average equity (ytd only) | 9.7664% | 789 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4534% | 4,988 |
| Assets per employee ($millions) | 9.5811% | 432 |
| Cash dividends to net income (ytd only)* | 6.6734% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 3,013 |
| Loan loss allowance to noncurrent loans | 989.2340% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0998% | 4,115 |
| Noncurrent loans to loans | 0.1148% | 4,063 |
| Net loans and leases to total assets | 85.9518% | 142 |
| Net loans and leases to deposits | 102.8861% | 414 |
| Net loans and leases to core deposits | 179.2999% | 51 |
| Total domestic deposits to total assets | 83.5407% | 2,933 |
| Equity capital to assets | 15.7577% | 621 |
| Core capital (leverage) ratio | 15.7658% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $961,867,500 | 855 |
| Average earning assets | $939,651,000 | 806 |
| Average equity | $150,638,500 | 658 |
| Average total loans | $861,886,500 | 701 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5333% | 528 |
| Cost of funding earning assets | 1.4613% | 445 |
| Net interest margin | 4.0720% | 1,613 |
| Noninterest income to average assets | 0.0209% | 5,095 |
| Noninterest expense to average assets | 1.4979% | 5,005 |
| Loan and lease loss provision to assets | 0.0721% | 2,555 |
| Net operating income to assets | 1.7508% | 592 |
| Return on assets (ROA) | 1.7541% | 622 |
| Pretax return on assets | 2.4365% | 234 |
| Return on Equity (ROE) | 11.9840% | 1,520 |
| Retained earnings to average equity (ytd only) | 10.9628% | 338 |
| Net charge-offs to loans | 0.0112% | 3,289 |
| Credit loss provision to net charge-offs | 729.4737% | 435 |
| Earnings coverage of net charge-offs (x) | 253.4421% | 326 |
| Efficiency ratio | 37.4250% | 5,095 |
| Assets per employee ($millions) | 8.7710% | 536 |
| Cash dividends to net income (ytd only)* | 8.5216% | 3,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,161 |
| Loan loss allowance to noncurrent loans | 683.8686% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 3,920 |
| Noncurrent loans to loans | 0.1552% | 3,905 |
| Net loans and leases to total assets | 91.3242% | 24 |
| Net loans and leases to deposits | 109.6632% | 196 |
| Net loans and leases to core deposits | 194.8982% | 44 |
| Total domestic deposits to total assets | 83.2770% | 3,110 |
| Equity capital to assets | 15.5632% | 679 |
| Core capital (leverage) ratio | 14.9686% | 697 |
| Tier 1 risk-based capital ratio | 15.3160% | 2,650 |
| Total risk-based capital ratio | 16.3657% | 2,661 |
| Memoranda: | ||
| Average total assets | $961,360,800 | 816 |
| Average earning assets | $939,974,400 | 763 |
| Average equity | $140,712,600 | 663 |
| Average total loans | $845,691,000 | 684 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4810% | 605 |
| Cost of funding earning assets | 1.4186% | 544 |
| Net interest margin | 4.0624% | 1,724 |
| Noninterest income to average assets | 0.0201% | 5,169 |
| Noninterest expense to average assets | 1.5574% | 5,038 |
| Loan and lease loss provision to assets | 0.1752% | 1,053 |
| Net operating income to assets | 1.6224% | 881 |
| Return on assets (ROA) | 1.6272% | 913 |
| Pretax return on assets | 2.2660% | 399 |
| Return on Equity (ROE) | 11.2947% | 1,896 |
| Retained earnings to average equity (ytd only) | 10.2372% | 699 |
| Net charge-offs to loans | 0.0128% | 2,915 |
| Credit loss provision to net charge-offs | 1,581.2500% | 238 |
| Earnings coverage of net charge-offs (x) | 219.7832% | 417 |
| Efficiency ratio | 39.0086% | 5,146 |
| Assets per employee ($millions) | 9.3552% | 428 |
| Cash dividends to net income (ytd only)* | 9.3625% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 2,894 |
| Loan loss allowance to noncurrent loans | 515.5878% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 3,819 |
| Noncurrent loans to loans | 0.2185% | 3,760 |
| Net loans and leases to total assets | 84.9254% | 262 |
| Net loans and leases to deposits | 100.1517% | 620 |
| Net loans and leases to core deposits | 184.2604% | 53 |
| Total domestic deposits to total assets | 84.7967% | 2,502 |
| Equity capital to assets | 13.9957% | 1,154 |
| Core capital (leverage) ratio | 14.4895% | 861 |
| Tier 1 risk-based capital ratio | 14.6357% | 3,010 |
| Total risk-based capital ratio | 15.7423% | 3,000 |
| Memoranda: | ||
| Average total assets | $962,690,250 | 810 |
| Average earning assets | $941,357,750 | 763 |
| Average equity | $138,693,000 | 667 |
| Average total loans | $836,496,750 | 692 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4801% | 587 |
| Cost of funding earning assets | 1.3762% | 583 |
| Net interest margin | 4.1038% | 1,598 |
| Noninterest income to average assets | 0.0189% | 5,219 |
| Noninterest expense to average assets | 1.5391% | 5,098 |
| Loan and lease loss provision to assets | 0.1488% | 1,238 |
| Net operating income to assets | 1.6860% | 744 |
| Return on assets (ROA) | 1.6922% | 764 |
| Pretax return on assets | 2.3507% | 317 |
| Return on Equity (ROE) | 11.6247% | 1,729 |
| Retained earnings to average equity (ytd only) | 10.5291% | 632 |
| Net charge-offs to loans | 0.0022% | 3,101 |
| Credit loss provision to net charge-offs | 7,777.7778% | 38 |
| Earnings coverage of net charge-offs (x) | 1,302.0000% | 53 |
| Efficiency ratio | 38.1832% | 5,185 |
| Assets per employee ($millions) | 8.8055% | 507 |
| Cash dividends to net income (ytd only)* | 9.4245% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 2,926 |
| Loan loss allowance to noncurrent loans | 555.2817% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 3,873 |
| Noncurrent loans to loans | 0.2029% | 3,825 |
| Net loans and leases to total assets | 86.5018% | 177 |
| Net loans and leases to deposits | 102.7099% | 496 |
| Net loans and leases to core deposits | 177.4298% | 62 |
| Total domestic deposits to total assets | 84.2196% | 2,774 |
| Equity capital to assets | 14.6460% | 910 |
| Core capital (leverage) ratio | 14.9420% | 716 |
| Tier 1 risk-based capital ratio | 15.0543% | 2,815 |
| Total risk-based capital ratio | 16.1601% | 2,800 |
| Memoranda: | ||
| Average total assets | $940,562,330 | 825 |
| Average earning assets | $919,478,330 | 780 |
| Average equity | $136,915,330 | 672 |
| Average total loans | $820,695,330 | 700 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4264% | 596 |
| Cost of funding earning assets | 1.3321% | 593 |
| Net interest margin | 4.0943% | 1,561 |
| Noninterest income to average assets | 0.0176% | 5,281 |
| Noninterest expense to average assets | 1.5365% | 5,143 |
| Loan and lease loss provision to assets | 0.1779% | 938 |
| Net operating income to assets | 1.6646% | 789 |
| Return on assets (ROA) | 1.6727% | 802 |
| Pretax return on assets | 2.3202% | 345 |
| Return on Equity (ROE) | 11.5274% | 1,724 |
| Retained earnings to average equity (ytd only) | 10.4170% | 940 |
| Net charge-offs to loans | 0.0044% | 2,550 |
| Credit loss provision to net charge-offs | 4,600.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 643.3333% | 107 |
| Efficiency ratio | 38.1807% | 5,240 |
| Assets per employee ($millions) | 8.9265% | 494 |
| Cash dividends to net income (ytd only)* | 9.6327% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 2,981 |
| Loan loss allowance to noncurrent loans | 492.2747% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 3,823 |
| Noncurrent loans to loans | 0.2290% | 3,757 |
| Net loans and leases to total assets | 85.0723% | 269 |
| Net loans and leases to deposits | 100.8973% | 562 |
| Net loans and leases to core deposits | 172.2451% | 61 |
| Total domestic deposits to total assets | 84.3157% | 2,938 |
| Equity capital to assets | 14.4626% | 888 |
| Core capital (leverage) ratio | 14.9683% | 701 |
| Tier 1 risk-based capital ratio | 15.1530% | 2,816 |
| Total risk-based capital ratio | 16.2669% | 2,801 |
| Memoranda: | ||
| Average total assets | $930,945,000 | 837 |
| Average earning assets | $911,022,000 | 790 |
| Average equity | $135,087,000 | 674 |
| Average total loans | $811,191,000 | 711 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2554% | 631 |
| Cost of funding earning assets | 1.1047% | 482 |
| Net interest margin | 4.1507% | 1,529 |
| Noninterest income to average assets | 0.0209% | 5,318 |
| Noninterest expense to average assets | 1.5621% | 5,191 |
| Loan and lease loss provision to assets | -0.0162% | 5,124 |
| Net operating income to assets | 1.8358% | 514 |
| Return on assets (ROA) | 1.8301% | 513 |
| Pretax return on assets | 2.5422% | 192 |
| Return on Equity (ROE) | 13.2115% | 1,265 |
| Retained earnings to average equity (ytd only) | 12.0775% | 317 |
| Net charge-offs to loans | 0.0001% | 3,779 |
| Credit loss provision to net charge-offs | -14,700.0000% | 4,982 |
| Earnings coverage of net charge-offs (x) | 22,981.0000% | 3 |
| Efficiency ratio | 38.1450% | 5,302 |
| Assets per employee ($millions) | 8.8901% | 490 |
| Cash dividends to net income (ytd only)* | 8.5828% | 3,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 3,195 |
| Loan loss allowance to noncurrent loans | 91.5171% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.0466% | 1,301 |
| Noncurrent loans to loans | 1.1858% | 1,352 |
| Net loans and leases to total assets | 87.3092% | 149 |
| Net loans and leases to deposits | 102.5915% | 557 |
| Net loans and leases to core deposits | 165.0693% | 75 |
| Total domestic deposits to total assets | 85.1037% | 2,604 |
| Equity capital to assets | 14.5605% | 820 |
| Core capital (leverage) ratio | 14.6130% | 771 |
| Tier 1 risk-based capital ratio | 15.2274% | 2,728 |
| Total risk-based capital ratio | 16.3178% | 2,731 |
| Memoranda: | ||
| Average total assets | $907,211,400 | 838 |
| Average earning assets | $890,531,000 | 789 |
| Average equity | $125,671,200 | 687 |
| Average total loans | $795,179,200 | 704 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1269% | 719 |
| Cost of funding earning assets | 1.0462% | 488 |
| Net interest margin | 4.0807% | 1,690 |
| Noninterest income to average assets | 0.0209% | 5,397 |
| Noninterest expense to average assets | 1.6212% | 5,194 |
| Loan and lease loss provision to assets | -0.0414% | 5,276 |
| Net operating income to assets | 1.7623% | 647 |
| Return on assets (ROA) | 1.7537% | 660 |
| Pretax return on assets | 2.4358% | 261 |
| Return on Equity (ROE) | 12.8259% | 1,494 |
| Retained earnings to average equity (ytd only) | 11.6947% | 523 |
| Net charge-offs to loans | 0.0002% | 3,487 |
| Credit loss provision to net charge-offs | -28,100.0000% | 4,943 |
| Earnings coverage of net charge-offs (x) | 16,368.5113% | 4 |
| Efficiency ratio | 40.2627% | 5,326 |
| Assets per employee ($millions) | 8.7469% | 484 |
| Cash dividends to net income (ytd only)* | 8.8199% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,258 |
| Loan loss allowance to noncurrent loans | 84.2388% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.1058% | 1,297 |
| Noncurrent loans to loans | 1.2917% | 1,300 |
| Net loans and leases to total assets | 84.6764% | 380 |
| Net loans and leases to deposits | 98.6671% | 891 |
| Net loans and leases to core deposits | 154.7654% | 108 |
| Total domestic deposits to total assets | 85.8203% | 2,272 |
| Equity capital to assets | 13.9122% | 985 |
| Core capital (leverage) ratio | 14.4743% | 828 |
| Tier 1 risk-based capital ratio | 14.8924% | 2,931 |
| Total risk-based capital ratio | 15.9806% | 2,926 |
| Memoranda: | ||
| Average total assets | $905,093,000 | 844 |
| Average earning assets | $888,420,750 | 793 |
| Average equity | $123,757,000 | 697 |
| Average total loans | $791,912,000 | 702 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1829% | 568 |
| Cost of funding earning assets | 0.9935% | 481 |
| Net interest margin | 4.1894% | 1,312 |
| Noninterest income to average assets | 0.0192% | 5,459 |
| Noninterest expense to average assets | 1.5940% | 5,271 |
| Loan and lease loss provision to assets | -0.0931% | 5,421 |
| Net operating income to assets | 1.8948% | 475 |
| Return on assets (ROA) | 1.8832% | 483 |
| Pretax return on assets | 2.6155% | 181 |
| Return on Equity (ROE) | 13.8559% | 1,113 |
| Retained earnings to average equity (ytd only) | 12.7282% | 424 |
| Net charge-offs to loans | 0.0003% | 3,206 |
| Credit loss provision to net charge-offs | -41,800.0000% | 4,857 |
| Earnings coverage of net charge-offs (x) | 11,388.0000% | 4 |
| Efficiency ratio | 38.5860% | 5,424 |
| Assets per employee ($millions) | 8.1189% | 606 |
| Cash dividends to net income (ytd only)* | 8.1391% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 3,282 |
| Loan loss allowance to noncurrent loans | 481.0413% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 3,988 |
| Noncurrent loans to loans | 0.2281% | 3,899 |
| Net loans and leases to total assets | 88.1806% | 129 |
| Net loans and leases to deposits | 103.3172% | 567 |
| Net loans and leases to core deposits | 147.4992% | 133 |
| Total domestic deposits to total assets | 85.3494% | 2,545 |
| Equity capital to assets | 14.4942% | 805 |
| Core capital (leverage) ratio | 14.3956% | 804 |
| Tier 1 risk-based capital ratio | 15.0348% | 2,859 |
| Total risk-based capital ratio | 16.1216% | 2,855 |
| Memoranda: | ||
| Average total assets | $897,734,000 | 848 |
| Average earning assets | $881,129,000 | 800 |
| Average equity | $122,012,670 | 701 |
| Average total loans | $791,305,670 | 701 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0978% | 588 |
| Cost of funding earning assets | 0.9920% | 380 |
| Net interest margin | 4.1058% | 1,423 |
| Noninterest income to average assets | 0.0180% | 5,536 |
| Noninterest expense to average assets | 1.5627% | 5,344 |
| Loan and lease loss provision to assets | -0.0750% | 5,492 |
| Net operating income to assets | 1.8493% | 513 |
| Return on assets (ROA) | 1.8289% | 535 |
| Pretax return on assets | 2.5406% | 199 |
| Return on Equity (ROE) | 13.8962% | 1,040 |
| Retained earnings to average equity (ytd only) | 12.7701% | 555 |
| Net charge-offs to loans | 0.0005% | 2,711 |
| Credit loss provision to net charge-offs | -17,100.0000% | 4,537 |
| Earnings coverage of net charge-offs (x) | 5,682.0000% | 8 |
| Efficiency ratio | 38.5464% | 5,482 |
| Assets per employee ($millions) | 8.5402% | 524 |
| Cash dividends to net income (ytd only)* | 8.1036% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,386 |
| Loan loss allowance to noncurrent loans | 486.4850% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 4,084 |
| Noncurrent loans to loans | 0.2260% | 3,964 |
| Net loans and leases to total assets | 86.8977% | 199 |
| Net loans and leases to deposits | 100.7585% | 654 |
| Net loans and leases to core deposits | 148.1573% | 141 |
| Total domestic deposits to total assets | 86.2436% | 2,427 |
| Equity capital to assets | 13.4750% | 1,050 |
| Core capital (leverage) ratio | 13.4889% | 1,014 |
| Tier 1 risk-based capital ratio | 14.1195% | 3,318 |
| Total risk-based capital ratio | 15.2070% | 3,317 |
| Memoranda: | ||
| Average total assets | $912,240,500 | 844 |
| Average earning assets | $896,785,500 | 783 |
| Average equity | $120,062,000 | 715 |
| Average total loans | $799,687,000 | 691 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 716 |
| Cost of funding earning assets | 0.9639% | 264 |
| Net interest margin | 3.9802% | 1,808 |
| Noninterest income to average assets | 0.0471% | 5,538 |
| Noninterest expense to average assets | 1.5560% | 5,446 |
| Loan and lease loss provision to assets | 0.0268% | 3,759 |
| Net operating income to assets | 1.2786% | 1,278 |
| Return on assets (ROA) | 1.2786% | 1,302 |
| Pretax return on assets | 2.3668% | 232 |
| Return on Equity (ROE) | 10.2707% | 1,778 |
| Retained earnings to average equity (ytd only) | 9.1641% | 479 |
| Net charge-offs to loans | -0.0119% | 4,833 |
| Credit loss provision to net charge-offs | -255.7895% | 4,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3955% | 5,534 |
| Assets per employee ($millions) | 8.8386% | 472 |
| Cash dividends to net income (ytd only)* | 10.7749% | 3,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,299 |
| Loan loss allowance to noncurrent loans | 511.9977% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 4,183 |
| Noncurrent loans to loans | 0.2167% | 4,043 |
| Net loans and leases to total assets | 86.4925% | 225 |
| Net loans and leases to deposits | 99.5876% | 765 |
| Net loans and leases to core deposits | 135.5505% | 261 |
| Total domestic deposits to total assets | 86.8507% | 2,066 |
| Equity capital to assets | 12.8522% | 1,339 |
| Core capital (leverage) ratio | 12.7813% | 1,226 |
| Tier 1 risk-based capital ratio | 13.5319% | 3,614 |
| Total risk-based capital ratio | 14.6322% | 3,608 |
| Memoranda: | ||
| Average total assets | $907,285,400 | 822 |
| Average earning assets | $889,584,400 | 762 |
| Average equity | $112,952,000 | 733 |
| Average total loans | $796,866,600 | 657 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9104% | 746 |
| Cost of funding earning assets | 0.9477% | 261 |
| Net interest margin | 3.9627% | 1,825 |
| Noninterest income to average assets | 0.0569% | 5,591 |
| Noninterest expense to average assets | 1.6003% | 5,452 |
| Loan and lease loss provision to assets | 0.1098% | 1,942 |
| Net operating income to assets | 1.3368% | 1,230 |
| Return on assets (ROA) | 1.3368% | 1,257 |
| Pretax return on assets | 2.2284% | 340 |
| Return on Equity (ROE) | 10.8271% | 1,767 |
| Retained earnings to average equity (ytd only) | 9.7226% | 643 |
| Net charge-offs to loans | -0.0025% | 4,343 |
| Credit loss provision to net charge-offs | -4,966.6667% | 5,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6319% | 5,567 |
| Assets per employee ($millions) | 8.5402% | 515 |
| Cash dividends to net income (ytd only)* | 10.2018% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 3,061 |
| Loan loss allowance to noncurrent loans | 538.3862% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 4,343 |
| Noncurrent loans to loans | 0.2182% | 4,189 |
| Net loans and leases to total assets | 86.0033% | 260 |
| Net loans and leases to deposits | 98.7185% | 845 |
| Net loans and leases to core deposits | 145.8999% | 147 |
| Total domestic deposits to total assets | 87.1197% | 1,813 |
| Equity capital to assets | 12.6871% | 1,553 |
| Core capital (leverage) ratio | 12.6019% | 1,379 |
| Tier 1 risk-based capital ratio | 13.3646% | 3,785 |
| Total risk-based capital ratio | 14.5196% | 3,753 |
| Memoranda: | ||
| Average total assets | $904,302,250 | 828 |
| Average earning assets | $885,798,750 | 768 |
| Average equity | $111,655,000 | 741 |
| Average total loans | $795,089,750 | 661 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8021% | 856 |
| Cost of funding earning assets | 0.9144% | 278 |
| Net interest margin | 3.8876% | 1,981 |
| Noninterest income to average assets | 0.0735% | 5,591 |
| Noninterest expense to average assets | 1.6044% | 5,493 |
| Loan and lease loss provision to assets | 0.1416% | 1,445 |
| Net operating income to assets | 1.2822% | 1,347 |
| Return on assets (ROA) | 1.2822% | 1,373 |
| Pretax return on assets | 2.1366% | 410 |
| Return on Equity (ROE) | 10.4819% | 1,839 |
| Retained earnings to average equity (ytd only) | 9.3696% | 739 |
| Net charge-offs to loans | -0.0015% | 4,159 |
| Credit loss provision to net charge-offs | -10,633.3333% | 5,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3227% | 5,596 |
| Assets per employee ($millions) | 8.8666% | 439 |
| Cash dividends to net income (ytd only)* | 10.6110% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 3,339 |
| Loan loss allowance to noncurrent loans | 328.4087% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 3,936 |
| Noncurrent loans to loans | 0.3488% | 3,785 |
| Net loans and leases to total assets | 84.7040% | 376 |
| Net loans and leases to deposits | 96.4237% | 1,040 |
| Net loans and leases to core deposits | 140.5075% | 181 |
| Total domestic deposits to total assets | 87.8457% | 1,534 |
| Equity capital to assets | 12.0185% | 1,912 |
| Core capital (leverage) ratio | 12.1535% | 1,554 |
| Tier 1 risk-based capital ratio | 13.0629% | 3,960 |
| Total risk-based capital ratio | 14.2085% | 3,943 |
| Memoranda: | ||
| Average total assets | $901,135,670 | 839 |
| Average earning assets | $882,950,000 | 779 |
| Average equity | $110,228,330 | 749 |
| Average total loans | $795,039,330 | 661 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 942 |
| Cost of funding earning assets | 0.8686% | 337 |
| Net interest margin | 3.8290% | 2,019 |
| Noninterest income to average assets | 0.0830% | 5,638 |
| Noninterest expense to average assets | 1.6222% | 5,539 |
| Loan and lease loss provision to assets | 0.3416% | 358 |
| Net operating income to assets | 1.1236% | 1,779 |
| Return on assets (ROA) | 1.1236% | 1,815 |
| Pretax return on assets | 1.8726% | 686 |
| Return on Equity (ROE) | 9.1013% | 2,361 |
| Retained earnings to average equity (ytd only) | 7.9990% | 1,461 |
| Net charge-offs to loans | -0.0030% | 4,063 |
| Credit loss provision to net charge-offs | -12,550.0000% | 4,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2845% | 5,647 |
| Assets per employee ($millions) | 8.9418% | 439 |
| Cash dividends to net income (ytd only)* | 12.1114% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,447 |
| Loan loss allowance to noncurrent loans | 322.6598% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 3,935 |
| Noncurrent loans to loans | 0.3548% | 3,824 |
| Net loans and leases to total assets | 87.5753% | 133 |
| Net loans and leases to deposits | 99.5818% | 643 |
| Net loans and leases to core deposits | 188.0145% | 43 |
| Total domestic deposits to total assets | 87.9431% | 1,748 |
| Equity capital to assets | 11.9380% | 1,884 |
| Core capital (leverage) ratio | 12.6410% | 1,272 |
| Tier 1 risk-based capital ratio | 12.5138% | 4,380 |
| Total risk-based capital ratio | 13.6525% | 4,352 |
| Memoranda: | ||
| Average total assets | $881,775,500 | 864 |
| Average earning assets | $864,340,000 | 804 |
| Average equity | $108,864,000 | 755 |
| Average total loans | $789,898,500 | 667 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8949% | 745 |
| Cost of funding earning assets | 0.8063% | 486 |
| Net interest margin | 4.0886% | 1,406 |
| Noninterest income to average assets | 0.0420% | 5,791 |
| Noninterest expense to average assets | 1.7180% | 5,548 |
| Loan and lease loss provision to assets | 0.2102% | 1,078 |
| Net operating income to assets | 1.2841% | 1,251 |
| Return on assets (ROA) | 1.2841% | 1,324 |
| Pretax return on assets | 2.1342% | 373 |
| Return on Equity (ROE) | 10.0873% | 1,921 |
| Retained earnings to average equity (ytd only) | 9.1649% | 553 |
| Net charge-offs to loans | 0.0019% | 4,213 |
| Credit loss provision to net charge-offs | 12,323.0769% | 33 |
| Earnings coverage of net charge-offs (x) | 1,374.4615% | 44 |
| Efficiency ratio | 42.2905% | 5,739 |
| Assets per employee ($millions) | 7.9485% | 623 |
| Cash dividends to net income (ytd only)* | 9.1448% | 4,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,588 |
| Loan loss allowance to noncurrent loans | 189.2589% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 3,127 |
| Noncurrent loans to loans | 0.5935% | 3,073 |
| Net loans and leases to total assets | 89.6452% | 77 |
| Net loans and leases to deposits | 103.0621% | 464 |
| Net loans and leases to core deposits | 154.5745% | 98 |
| Total domestic deposits to total assets | 86.9817% | 2,157 |
| Equity capital to assets | 12.7919% | 1,354 |
| Core capital (leverage) ratio | 12.8183% | 1,202 |
| Tier 1 risk-based capital ratio | 13.0912% | 4,004 |
| Total risk-based capital ratio | 14.2050% | 4,007 |
| Memoranda: | ||
| Average total assets | $762,171,000 | 948 |
| Average earning assets | $749,450,600 | 892 |
| Average equity | $97,022,600 | 813 |
| Average total loans | $701,559,800 | 720 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 764 |
| Cost of funding earning assets | 0.7838% | 547 |
| Net interest margin | 4.0920% | 1,407 |
| Noninterest income to average assets | 0.0393% | 5,859 |
| Noninterest expense to average assets | 1.7687% | 5,552 |
| Loan and lease loss provision to assets | 0.2571% | 720 |
| Net operating income to assets | 1.2219% | 1,555 |
| Return on assets (ROA) | 1.2219% | 1,654 |
| Pretax return on assets | 2.0366% | 527 |
| Return on Equity (ROE) | 9.6124% | 2,221 |
| Retained earnings to average equity (ytd only) | 8.7545% | 894 |
| Net charge-offs to loans | 0.0014% | 3,902 |
| Credit loss provision to net charge-offs | 20,442.8571% | 20 |
| Earnings coverage of net charge-offs (x) | 1,824.3205% | 34 |
| Efficiency ratio | 43.5383% | 5,756 |
| Assets per employee ($millions) | 7.6214% | 691 |
| Cash dividends to net income (ytd only)* | 8.9251% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 3,694 |
| Loan loss allowance to noncurrent loans | 188.0670% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.5823% | 3,156 |
| Noncurrent loans to loans | 0.5986% | 3,217 |
| Net loans and leases to total assets | 95.0886% | 4 |
| Net loans and leases to deposits | 110.2272% | 252 |
| Net loans and leases to core deposits | 147.5341% | 138 |
| Total domestic deposits to total assets | 86.2660% | 2,233 |
| Equity capital to assets | 13.5202% | 1,239 |
| Core capital (leverage) ratio | 13.2555% | 1,085 |
| Tier 1 risk-based capital ratio | 13.1948% | 4,039 |
| Total risk-based capital ratio | 14.3150% | 4,030 |
| Memoranda: | ||
| Average total assets | $742,077,250 | 973 |
| Average earning assets | $729,569,000 | 909 |
| Average equity | $94,333,750 | 849 |
| Average total loans | $685,979,000 | 727 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7235% | 997 |
| Cost of funding earning assets | 0.7546% | 612 |
| Net interest margin | 3.9689% | 1,744 |
| Noninterest income to average assets | 0.0383% | 5,937 |
| Noninterest expense to average assets | 1.7803% | 5,616 |
| Loan and lease loss provision to assets | 0.3415% | 476 |
| Net operating income to assets | 1.0902% | 1,992 |
| Return on assets (ROA) | 1.0902% | 2,120 |
| Pretax return on assets | 1.8170% | 849 |
| Return on Equity (ROE) | 8.7741% | 2,596 |
| Retained earnings to average equity (ytd only) | 7.8639% | 1,214 |
| Net charge-offs to loans | 0.0042% | 3,558 |
| Credit loss provision to net charge-offs | 8,907.1429% | 41 |
| Earnings coverage of net charge-offs (x) | 563.0000% | 114 |
| Efficiency ratio | 45.1992% | 5,784 |
| Assets per employee ($millions) | 7.5483% | 687 |
| Cash dividends to net income (ytd only)* | 10.3743% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 3,755 |
| Loan loss allowance to noncurrent loans | 129.5684% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.8421% | 2,489 |
| Noncurrent loans to loans | 0.8754% | 2,551 |
| Net loans and leases to total assets | 92.2121% | 22 |
| Net loans and leases to deposits | 104.8802% | 414 |
| Net loans and leases to core deposits | 142.1398% | 169 |
| Total domestic deposits to total assets | 87.9214% | 1,476 |
| Equity capital to assets | 11.8950% | 2,202 |
| Core capital (leverage) ratio | 12.4665% | 1,371 |
| Tier 1 risk-based capital ratio | 11.8833% | 4,914 |
| Total risk-based capital ratio | 13.0130% | 4,875 |
| Memoranda: | ||
| Average total assets | $730,310,000 | 990 |
| Average earning assets | $717,730,670 | 929 |
| Average equity | $90,744,000 | 885 |
| Average total loans | $665,433,670 | 745 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 763 |
| Cost of funding earning assets | 0.7438% | 654 |
| Net interest margin | 4.1083% | 1,316 |
| Noninterest income to average assets | 0.0430% | 5,988 |
| Noninterest expense to average assets | 1.8661% | 5,570 |
| Loan and lease loss provision to assets | 0.1098% | 1,895 |
| Net operating income to assets | 1.2622% | 1,368 |
| Return on assets (ROA) | 1.2622% | 1,460 |
| Pretax return on assets | 2.1032% | 460 |
| Return on Equity (ROE) | 9.9248% | 2,014 |
| Retained earnings to average equity (ytd only) | 8.7009% | 1,196 |
| Net charge-offs to loans | -0.0006% | 4,070 |
| Credit loss provision to net charge-offs | -19,400.0000% | 5,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7472% | 5,821 |
| Assets per employee ($millions) | 7.0134% | 892 |
| Cash dividends to net income (ytd only)* | 12.3318% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 3,905 |
| Loan loss allowance to noncurrent loans | 104.8585% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9699% | 2,285 |
| Noncurrent loans to loans | 1.0738% | 2,246 |
| Net loans and leases to total assets | 86.5230% | 193 |
| Net loans and leases to deposits | 99.1016% | 685 |
| Net loans and leases to core deposits | 127.5210% | 312 |
| Total domestic deposits to total assets | 87.3073% | 2,047 |
| Equity capital to assets | 12.4567% | 1,710 |
| Core capital (leverage) ratio | 12.9674% | 1,172 |
| Tier 1 risk-based capital ratio | 13.1262% | 4,176 |
| Total risk-based capital ratio | 14.2394% | 4,191 |
| Memoranda: | ||
| Average total assets | $706,729,500 | 1,014 |
| Average earning assets | $694,303,500 | 955 |
| Average equity | $89,876,000 | 888 |
| Average total loans | $635,577,000 | 776 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 832 |
| Cost of funding earning assets | 0.6636% | 999 |
| Net interest margin | 4.2022% | 1,169 |
| Noninterest income to average assets | 0.0895% | 5,905 |
| Noninterest expense to average assets | 1.8961% | 5,622 |
| Loan and lease loss provision to assets | 0.0346% | 3,654 |
| Net operating income to assets | 1.3427% | 1,169 |
| Return on assets (ROA) | 1.3427% | 1,203 |
| Pretax return on assets | 2.2690% | 304 |
| Return on Equity (ROE) | 10.4827% | 1,811 |
| Retained earnings to average equity (ytd only) | 9.8628% | 481 |
| Net charge-offs to loans | -0.0018% | 4,868 |
| Credit loss provision to net charge-offs | -2,081.8182% | 5,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1475% | 5,949 |
| Assets per employee ($millions) | 6.8407% | 946 |
| Cash dividends to net income (ytd only)* | 5.9135% | 4,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 4,026 |
| Loan loss allowance to noncurrent loans | 100.3877% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.1262% | 1,945 |
| Noncurrent loans to loans | 1.1005% | 2,137 |
| Net loans and leases to total assets | 91.4944% | 31 |
| Net loans and leases to deposits | 105.4074% | 381 |
| Net loans and leases to core deposits | 133.6958% | 220 |
| Total domestic deposits to total assets | 86.8007% | 2,238 |
| Equity capital to assets | 12.9949% | 1,349 |
| Core capital (leverage) ratio | 13.0759% | 1,118 |
| Tier 1 risk-based capital ratio | 13.0546% | 4,271 |
| Total risk-based capital ratio | 14.1555% | 4,274 |
| Memoranda: | ||
| Average total assets | $661,203,400 | 1,036 |
| Average earning assets | $646,739,000 | 984 |
| Average equity | $84,692,200 | 901 |
| Average total loans | $598,546,400 | 778 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 947 |
| Cost of funding earning assets | 0.6470% | 1,110 |
| Net interest margin | 4.1488% | 1,281 |
| Noninterest income to average assets | 0.1064% | 5,937 |
| Noninterest expense to average assets | 1.9128% | 5,623 |
| Loan and lease loss provision to assets | 0.0437% | 3,343 |
| Net operating income to assets | 1.3077% | 1,321 |
| Return on assets (ROA) | 1.3077% | 1,371 |
| Pretax return on assets | 2.2035% | 407 |
| Return on Equity (ROE) | 10.2482% | 1,999 |
| Retained earnings to average equity (ytd only) | 9.6202% | 706 |
| Net charge-offs to loans | -0.0036% | 4,773 |
| Credit loss provision to net charge-offs | -1,343.7500% | 5,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9808% | 5,963 |
| Assets per employee ($millions) | 6.4912% | 1,072 |
| Cash dividends to net income (ytd only)* | 6.1285% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 4,069 |
| Loan loss allowance to noncurrent loans | 72.4152% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.5906% | 1,400 |
| Noncurrent loans to loans | 1.5574% | 1,601 |
| Net loans and leases to total assets | 91.5608% | 34 |
| Net loans and leases to deposits | 105.5798% | 381 |
| Net loans and leases to core deposits | 139.2045% | 177 |
| Total domestic deposits to total assets | 86.7219% | 2,176 |
| Equity capital to assets | 12.9505% | 1,472 |
| Core capital (leverage) ratio | 13.1520% | 1,152 |
| Tier 1 risk-based capital ratio | 12.8906% | 4,491 |
| Total risk-based capital ratio | 14.0011% | 4,485 |
| Memoranda: | ||
| Average total assets | $655,487,000 | 1,051 |
| Average earning assets | $640,458,500 | 997 |
| Average equity | $83,641,750 | 918 |
| Average total loans | $589,963,750 | 794 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7663% | 957 |
| Cost of funding earning assets | 0.6382% | 1,180 |
| Net interest margin | 4.1281% | 1,281 |
| Noninterest income to average assets | 0.1133% | 5,977 |
| Noninterest expense to average assets | 1.8961% | 5,715 |
| Loan and lease loss provision to assets | -0.0323% | 5,997 |
| Net operating income to assets | 1.3555% | 1,179 |
| Return on assets (ROA) | 1.3555% | 1,223 |
| Pretax return on assets | 2.2767% | 354 |
| Return on Equity (ROE) | 10.6775% | 1,787 |
| Retained earnings to average equity (ytd only) | 10.0411% | 652 |
| Net charge-offs to loans | -0.0024% | 4,608 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7938% | 6,049 |
| Assets per employee ($millions) | 6.2639% | 1,176 |
| Cash dividends to net income (ytd only)* | 5.9597% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 4,219 |
| Loan loss allowance to noncurrent loans | 85.6150% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.3800% | 1,815 |
| Noncurrent loans to loans | 1.3098% | 2,052 |
| Net loans and leases to total assets | 90.0630% | 64 |
| Net loans and leases to deposits | 103.8703% | 459 |
| Net loans and leases to core deposits | 140.7697% | 164 |
| Total domestic deposits to total assets | 86.7072% | 2,315 |
| Equity capital to assets | 13.0009% | 1,404 |
| Core capital (leverage) ratio | 13.0146% | 1,160 |
| Tier 1 risk-based capital ratio | 13.1863% | 4,400 |
| Total risk-based capital ratio | 14.3106% | 4,398 |
| Memoranda: | ||
| Average total assets | $651,116,670 | 1,062 |
| Average earning assets | $635,214,330 | 1,006 |
| Average equity | $82,660,000 | 930 |
| Average total loans | $580,232,670 | 809 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 1,347 |
| Cost of funding earning assets | 0.6295% | 1,231 |
| Net interest margin | 3.9121% | 1,852 |
| Noninterest income to average assets | 0.1340% | 5,934 |
| Noninterest expense to average assets | 1.8459% | 5,830 |
| Loan and lease loss provision to assets | -0.2722% | 6,297 |
| Net operating income to assets | 1.4274% | 986 |
| Return on assets (ROA) | 1.4274% | 1,039 |
| Pretax return on assets | 2.3750% | 289 |
| Return on Equity (ROE) | 11.3812% | 1,521 |
| Retained earnings to average equity (ytd only) | 10.7394% | 767 |
| Net charge-offs to loans | -0.0042% | 4,457 |
| Credit loss provision to net charge-offs | 7,383.3333% | 51 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7476% | 6,076 |
| Assets per employee ($millions) | 6.1332% | 1,306 |
| Cash dividends to net income (ytd only)* | 5.6393% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 4,451 |
| Loan loss allowance to noncurrent loans | 106.1701% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1470% | 2,341 |
| Noncurrent loans to loans | 1.0473% | 2,669 |
| Net loans and leases to total assets | 86.3869% | 166 |
| Net loans and leases to deposits | 99.4766% | 591 |
| Net loans and leases to core deposits | 137.8885% | 169 |
| Total domestic deposits to total assets | 86.8415% | 2,459 |
| Equity capital to assets | 12.7269% | 1,552 |
| Core capital (leverage) ratio | 12.8804% | 1,200 |
| Tier 1 risk-based capital ratio | 13.2190% | 4,485 |
| Total risk-based capital ratio | 14.3248% | 4,484 |
| Memoranda: | ||
| Average total assets | $650,954,500 | 1,069 |
| Average earning assets | $634,742,000 | 1,010 |
| Average equity | $81,643,500 | 937 |
| Average total loans | $573,668,500 | 815 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8991% | 928 |
| Cost of funding earning assets | 0.6039% | 1,728 |
| Net interest margin | 4.2952% | 1,068 |
| Noninterest income to average assets | 0.0986% | 6,161 |
| Noninterest expense to average assets | 2.1171% | 5,533 |
| Loan and lease loss provision to assets | 0.0543% | 3,470 |
| Net operating income to assets | 1.2558% | 1,415 |
| Return on assets (ROA) | 1.2558% | 1,476 |
| Pretax return on assets | 2.0929% | 419 |
| Return on Equity (ROE) | 9.9636% | 2,140 |
| Retained earnings to average equity (ytd only) | 9.2803% | 649 |
| Net charge-offs to loans | -0.0278% | 5,770 |
| Credit loss provision to net charge-offs | -220.6667% | 5,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6461% | 6,110 |
| Assets per employee ($millions) | 6.2675% | 1,207 |
| Cash dividends to net income (ytd only)* | 6.8574% | 4,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 4,194 |
| Loan loss allowance to noncurrent loans | 115.6957% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.2183% | 2,337 |
| Noncurrent loans to loans | 1.0072% | 2,814 |
| Net loans and leases to total assets | 87.8546% | 118 |
| Net loans and leases to deposits | 101.3938% | 546 |
| Net loans and leases to core deposits | 124.1831% | 315 |
| Total domestic deposits to total assets | 86.6469% | 2,486 |
| Equity capital to assets | 12.3616% | 1,726 |
| Core capital (leverage) ratio | 12.6293% | 1,296 |
| Tier 1 risk-based capital ratio | 12.2128% | 5,217 |
| Total risk-based capital ratio | 13.3271% | 5,216 |
| Memoranda: | ||
| Average total assets | $609,667,800 | 1,089 |
| Average earning assets | $591,290,600 | 1,036 |
| Average equity | $76,840,000 | 952 |
| Average total loans | $540,065,000 | 814 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 1,036 |
| Cost of funding earning assets | 0.5974% | 1,858 |
| Net interest margin | 4.2414% | 1,178 |
| Noninterest income to average assets | 0.0734% | 6,326 |
| Noninterest expense to average assets | 2.1693% | 5,411 |
| Loan and lease loss provision to assets | 0.0594% | 3,175 |
| Net operating income to assets | 1.1734% | 1,780 |
| Return on assets (ROA) | 1.1734% | 1,855 |
| Pretax return on assets | 1.9557% | 633 |
| Return on Equity (ROE) | 9.2621% | 2,561 |
| Retained earnings to average equity (ytd only) | 8.5700% | 1,135 |
| Net charge-offs to loans | -0.0355% | 5,795 |
| Credit loss provision to net charge-offs | -189.3617% | 5,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8428% | 5,998 |
| Assets per employee ($millions) | 6.1146% | 1,252 |
| Cash dividends to net income (ytd only)* | 7.4720% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 4,363 |
| Loan loss allowance to noncurrent loans | 157.6723% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.1267% | 2,706 |
| Noncurrent loans to loans | 0.7445% | 3,740 |
| Net loans and leases to total assets | 90.1570% | 50 |
| Net loans and leases to deposits | 104.1761% | 391 |
| Net loans and leases to core deposits | 126.1204% | 282 |
| Total domestic deposits to total assets | 86.5428% | 2,563 |
| Equity capital to assets | 12.5577% | 1,660 |
| Core capital (leverage) ratio | 12.7338% | 1,288 |
| Tier 1 risk-based capital ratio | 12.3653% | 5,256 |
| Total risk-based capital ratio | 13.4992% | 5,252 |
| Memoranda: | ||
| Average total assets | $599,130,000 | 1,115 |
| Average earning assets | $580,712,250 | 1,059 |
| Average equity | $75,906,250 | 969 |
| Average total loans | $530,230,000 | 831 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8397% | 1,007 |
| Cost of funding earning assets | 0.5901% | 1,978 |
| Net interest margin | 4.2496% | 1,136 |
| Noninterest income to average assets | 0.0643% | 6,399 |
| Noninterest expense to average assets | 2.1965% | 5,424 |
| Loan and lease loss provision to assets | -0.0609% | 6,315 |
| Net operating income to assets | 1.2285% | 1,508 |
| Return on assets (ROA) | 1.2285% | 1,566 |
| Pretax return on assets | 2.0476% | 494 |
| Return on Equity (ROE) | 9.6669% | 2,292 |
| Retained earnings to average equity (ytd only) | 8.9666% | 994 |
| Net charge-offs to loans | -0.0046% | 5,163 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5081% | 6,031 |
| Assets per employee ($millions) | 5.8543% | 1,385 |
| Cash dividends to net income (ytd only)* | 7.2452% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 4,581 |
| Loan loss allowance to noncurrent loans | 195.0463% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.9453% | 3,174 |
| Noncurrent loans to loans | 0.5984% | 4,233 |
| Net loans and leases to total assets | 84.0771% | 295 |
| Net loans and leases to deposits | 96.8441% | 751 |
| Net loans and leases to core deposits | 122.6077% | 327 |
| Total domestic deposits to total assets | 86.8169% | 2,570 |
| Equity capital to assets | 12.4949% | 1,646 |
| Core capital (leverage) ratio | 12.9058% | 1,195 |
| Tier 1 risk-based capital ratio | 13.2115% | 4,778 |
| Total risk-based capital ratio | 14.3431% | 4,792 |
| Memoranda: | ||
| Average total assets | $590,943,670 | 1,127 |
| Average earning assets | $572,765,670 | 1,071 |
| Average equity | $75,101,330 | 973 |
| Average total loans | $517,314,000 | 853 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 1,260 |
| Cost of funding earning assets | 0.5899% | 2,064 |
| Net interest margin | 4.1082% | 1,437 |
| Noninterest income to average assets | 0.0760% | 6,410 |
| Noninterest expense to average assets | 2.2029% | 5,455 |
| Loan and lease loss provision to assets | -0.1630% | 6,540 |
| Net operating income to assets | 1.2116% | 1,454 |
| Return on assets (ROA) | 1.2116% | 1,514 |
| Pretax return on assets | 2.0191% | 509 |
| Return on Equity (ROE) | 9.4493% | 2,270 |
| Retained earnings to average equity (ytd only) | 8.7436% | 1,330 |
| Net charge-offs to loans | -0.0039% | 4,775 |
| Credit loss provision to net charge-offs | 4,720.0000% | 84 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2716% | 5,990 |
| Assets per employee ($millions) | 5.4308% | 1,771 |
| Cash dividends to net income (ytd only)* | 7.4686% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 4,740 |
| Loan loss allowance to noncurrent loans | 92.3265% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.5927% | 2,210 |
| Noncurrent loans to loans | 1.2763% | 2,900 |
| Net loans and leases to total assets | 87.1685% | 106 |
| Net loans and leases to deposits | 100.6168% | 413 |
| Net loans and leases to core deposits | 120.0754% | 326 |
| Total domestic deposits to total assets | 86.6342% | 3,023 |
| Equity capital to assets | 12.9170% | 1,343 |
| Core capital (leverage) ratio | 12.9762% | 1,174 |
| Tier 1 risk-based capital ratio | 13.4376% | 4,738 |
| Total risk-based capital ratio | 14.5839% | 4,735 |
| Memoranda: | ||
| Average total assets | $579,062,500 | 1,152 |
| Average earning assets | $561,420,000 | 1,096 |
| Average equity | $74,248,500 | 983 |
| Average total loans | $514,506,000 | 855 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1737% | 683 |
| Cost of funding earning assets | 0.5983% | 2,675 |
| Net interest margin | 4.5754% | 642 |
| Noninterest income to average assets | 0.1627% | 6,117 |
| Noninterest expense to average assets | 2.3549% | 5,214 |
| Loan and lease loss provision to assets | 0.2094% | 1,766 |
| Net operating income to assets | 1.2052% | 1,544 |
| Return on assets (ROA) | 1.2052% | 1,619 |
| Pretax return on assets | 2.0087% | 468 |
| Return on Equity (ROE) | 9.0553% | 2,509 |
| Retained earnings to average equity (ytd only) | 8.4952% | 907 |
| Net charge-offs to loans | 0.0186% | 5,070 |
| Credit loss provision to net charge-offs | 1,257.9545% | 200 |
| Earnings coverage of net charge-offs (x) | 133.2273% | 348 |
| Efficiency ratio | 51.4956% | 6,338 |
| Assets per employee ($millions) | 5.4437% | 1,701 |
| Cash dividends to net income (ytd only)* | 6.1852% | 4,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 4,581 |
| Loan loss allowance to noncurrent loans | 108.1953% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.5018% | 2,471 |
| Noncurrent loans to loans | 1.1223% | 3,293 |
| Net loans and leases to total assets | 88.4129% | 73 |
| Net loans and leases to deposits | 102.4232% | 377 |
| Net loans and leases to core deposits | 123.2045% | 286 |
| Total domestic deposits to total assets | 86.3212% | 3,101 |
| Equity capital to assets | 12.7267% | 1,409 |
| Core capital (leverage) ratio | 13.0246% | 1,134 |
| Tier 1 risk-based capital ratio | 13.0232% | 4,952 |
| Total risk-based capital ratio | 14.1984% | 4,970 |
| Memoranda: | ||
| Average total assets | $528,550,600 | 1,257 |
| Average earning assets | $509,480,600 | 1,194 |
| Average equity | $70,345,200 | 1,015 |
| Average total loans | $473,793,000 | 898 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1856% | 670 |
| Cost of funding earning assets | 0.6022% | 2,788 |
| Net interest margin | 4.5834% | 636 |
| Noninterest income to average assets | 0.1614% | 6,217 |
| Noninterest expense to average assets | 2.3928% | 5,047 |
| Loan and lease loss provision to assets | 0.2254% | 1,607 |
| Net operating income to assets | 1.1752% | 1,722 |
| Return on assets (ROA) | 1.1752% | 1,791 |
| Pretax return on assets | 1.9588% | 632 |
| Return on Equity (ROE) | 8.7236% | 2,777 |
| Retained earnings to average equity (ytd only) | 8.2195% | 1,329 |
| Net charge-offs to loans | 0.0273% | 4,575 |
| Credit loss provision to net charge-offs | 918.9474% | 333 |
| Earnings coverage of net charge-offs (x) | 89.0551% | 542 |
| Efficiency ratio | 52.2789% | 6,240 |
| Assets per employee ($millions) | 5.4268% | 1,700 |
| Cash dividends to net income (ytd only)* | 5.7777% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 4,867 |
| Loan loss allowance to noncurrent loans | 88.1837% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.8783% | 2,161 |
| Noncurrent loans to loans | 1.3599% | 3,145 |
| Net loans and leases to total assets | 90.6398% | 34 |
| Net loans and leases to deposits | 105.3683% | 255 |
| Net loans and leases to core deposits | 120.6268% | 307 |
| Total domestic deposits to total assets | 86.0219% | 3,241 |
| Equity capital to assets | 13.0899% | 1,293 |
| Core capital (leverage) ratio | 13.8377% | 907 |
| Tier 1 risk-based capital ratio | 13.0761% | 5,072 |
| Total risk-based capital ratio | 14.2387% | 5,082 |
| Memoranda: | ||
| Average total assets | $516,430,750 | 1,296 |
| Average earning assets | $497,523,500 | 1,232 |
| Average equity | $69,572,250 | 1,036 |
| Average total loans | $463,131,250 | 920 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2423% | 587 |
| Cost of funding earning assets | 0.6329% | 2,655 |
| Net interest margin | 4.6093% | 587 |
| Noninterest income to average assets | 0.1139% | 6,483 |
| Noninterest expense to average assets | 2.4164% | 5,008 |
| Loan and lease loss provision to assets | 0.2151% | 1,759 |
| Net operating income to assets | 1.1481% | 1,752 |
| Return on assets (ROA) | 1.1481% | 1,868 |
| Pretax return on assets | 1.9135% | 732 |
| Return on Equity (ROE) | 8.4361% | 2,883 |
| Retained earnings to average equity (ytd only) | 8.0555% | 1,462 |
| Net charge-offs to loans | 0.0396% | 4,124 |
| Credit loss provision to net charge-offs | 611.2360% | 475 |
| Earnings coverage of net charge-offs (x) | 60.4944% | 699 |
| Efficiency ratio | 53.1663% | 6,207 |
| Assets per employee ($millions) | 4.8965% | 2,229 |
| Cash dividends to net income (ytd only)* | 4.5110% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 4,883 |
| Loan loss allowance to noncurrent loans | 210.2026% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 1.4064% | 2,998 |
| Noncurrent loans to loans | 0.5803% | 4,811 |
| Net loans and leases to total assets | 90.7508% | 32 |
| Net loans and leases to deposits | 106.1019% | 221 |
| Net loans and leases to core deposits | 113.5998% | 442 |
| Total domestic deposits to total assets | 85.5317% | 3,626 |
| Equity capital to assets | 13.7949% | 1,023 |
| Core capital (leverage) ratio | 13.5826% | 946 |
| Tier 1 risk-based capital ratio | 13.7268% | 4,625 |
| Total risk-based capital ratio | 14.9060% | 4,631 |
| Memoranda: | ||
| Average total assets | $505,871,670 | 1,318 |
| Average earning assets | $486,316,670 | 1,265 |
| Average equity | $68,847,330 | 1,049 |
| Average total loans | $449,897,000 | 951 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0223% | 855 |
| Cost of funding earning assets | 0.6479% | 2,678 |
| Net interest margin | 4.3744% | 837 |
| Noninterest income to average assets | 0.1547% | 6,335 |
| Noninterest expense to average assets | 2.3618% | 5,228 |
| Loan and lease loss provision to assets | 0.2499% | 1,442 |
| Net operating income to assets | 1.0488% | 2,042 |
| Return on assets (ROA) | 1.0488% | 2,151 |
| Pretax return on assets | 1.7477% | 977 |
| Return on Equity (ROE) | 7.7597% | 3,092 |
| Retained earnings to average equity (ytd only) | 7.7597% | 1,837 |
| Net charge-offs to loans | 0.0826% | 3,016 |
| Credit loss provision to net charge-offs | 346.1538% | 710 |
| Earnings coverage of net charge-offs (x) | 27.6703% | 1,011 |
| Efficiency ratio | 54.1765% | 6,215 |
| Assets per employee ($millions) | 5.1654% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 5,058 |
| Loan loss allowance to noncurrent loans | 105.4700% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.8905% | 2,486 |
| Noncurrent loans to loans | 1.1642% | 3,830 |
| Net loans and leases to total assets | 85.2800% | 149 |
| Net loans and leases to deposits | 98.8207% | 399 |
| Net loans and leases to core deposits | 105.2223% | 671 |
| Total domestic deposits to total assets | 86.2978% | 3,360 |
| Equity capital to assets | 13.3205% | 1,287 |
| Core capital (leverage) ratio | 13.6163% | 905 |
| Tier 1 risk-based capital ratio | 14.2764% | 4,302 |
| Total risk-based capital ratio | 15.4690% | 4,312 |
| Memoranda: | ||
| Average total assets | $504,192,000 | 1,338 |
| Average earning assets | $484,641,000 | 1,279 |
| Average equity | $68,147,000 | 1,069 |
| Average total loans | $440,926,500 | 970 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4340% | 712 |
| Cost of funding earning assets | 0.7688% | 2,927 |
| Net interest margin | 4.6651% | 696 |
| Noninterest income to average assets | 0.1196% | 6,435 |
| Noninterest expense to average assets | 2.6399% | 4,603 |
| Loan and lease loss provision to assets | 0.1145% | 4,203 |
| Net operating income to assets | 1.1202% | 1,871 |
| Return on assets (ROA) | 1.1202% | 2,037 |
| Pretax return on assets | 1.8188% | 886 |
| Return on Equity (ROE) | 8.3076% | 2,956 |
| Retained earnings to average equity (ytd only) | 7.3006% | 1,428 |
| Net charge-offs to loans | 0.1043% | 4,623 |
| Credit loss provision to net charge-offs | 126.8349% | 2,226 |
| Earnings coverage of net charge-offs (x) | 21.4220% | 1,301 |
| Efficiency ratio | 57.7261% | 5,873 |
| Assets per employee ($millions) | 5.0188% | 2,203 |
| Cash dividends to net income (ytd only)* | 12.1212% | 4,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 5,087 |
| Loan loss allowance to noncurrent loans | 87.5917% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 2.3989% | 2,043 |
| Noncurrent loans to loans | 1.3756% | 3,535 |
| Net loans and leases to total assets | 87.5521% | 94 |
| Net loans and leases to deposits | 102.5533% | 309 |
| Net loans and leases to core deposits | 106.3081% | 678 |
| Total domestic deposits to total assets | 85.3723% | 3,678 |
| Equity capital to assets | 13.7215% | 1,143 |
| Core capital (leverage) ratio | 13.4827% | 954 |
| Tier 1 risk-based capital ratio | 14.2229% | 4,224 |
| Total risk-based capital ratio | 15.3846% | 4,243 |
| Memoranda: | ||
| Average total assets | $483,115,400 | 1,377 |
| Average earning assets | $461,209,000 | 1,322 |
| Average equity | $65,145,200 | 1,086 |
| Average total loans | $417,984,400 | 999 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4092% | 822 |
| Cost of funding earning assets | 0.7895% | 3,031 |
| Net interest margin | 4.6196% | 786 |
| Noninterest income to average assets | 0.1109% | 6,580 |
| Noninterest expense to average assets | 2.6312% | 4,633 |
| Loan and lease loss provision to assets | 0.0596% | 4,980 |
| Net operating income to assets | 1.1264% | 2,004 |
| Return on assets (ROA) | 1.1264% | 2,198 |
| Pretax return on assets | 1.8322% | 979 |
| Return on Equity (ROE) | 8.3910% | 3,086 |
| Retained earnings to average equity (ytd only) | 7.5773% | 1,807 |
| Net charge-offs to loans | 0.1274% | 4,106 |
| Credit loss provision to net charge-offs | 54.4304% | 4,292 |
| Earnings coverage of net charge-offs (x) | 17.2761% | 1,633 |
| Efficiency ratio | 58.1735% | 5,765 |
| Assets per employee ($millions) | 4.9513% | 2,251 |
| Cash dividends to net income (ytd only)* | 9.6973% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 5,464 |
| Loan loss allowance to noncurrent loans | 62.0850% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 3.3105% | 1,538 |
| Noncurrent loans to loans | 1.8733% | 2,987 |
| Net loans and leases to total assets | 84.2053% | 213 |
| Net loans and leases to deposits | 97.9762% | 544 |
| Net loans and leases to core deposits | 102.5723% | 953 |
| Total domestic deposits to total assets | 85.9446% | 3,286 |
| Equity capital to assets | 13.2793% | 1,455 |
| Core capital (leverage) ratio | 13.3359% | 1,060 |
| Tier 1 risk-based capital ratio | 14.1836% | 4,390 |
| Total risk-based capital ratio | 15.2823% | 4,460 |
| Memoranda: | ||
| Average total assets | $480,934,000 | 1,399 |
| Average earning assets | $459,332,250 | 1,345 |
| Average equity | $64,559,500 | 1,108 |
| Average total loans | $413,513,250 | 1,015 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4655% | 771 |
| Cost of funding earning assets | 0.8077% | 3,130 |
| Net interest margin | 4.6579% | 739 |
| Noninterest income to average assets | 0.1163% | 6,607 |
| Noninterest expense to average assets | 2.6526% | 4,598 |
| Loan and lease loss provision to assets | 0.0759% | 4,673 |
| Net operating income to assets | 1.1274% | 1,957 |
| Return on assets (ROA) | 1.1274% | 2,170 |
| Pretax return on assets | 1.8358% | 972 |
| Return on Equity (ROE) | 8.3667% | 3,081 |
| Retained earnings to average equity (ytd only) | 7.5441% | 1,843 |
| Net charge-offs to loans | 0.1358% | 3,845 |
| Credit loss provision to net charge-offs | 64.7482% | 3,696 |
| Earnings coverage of net charge-offs (x) | 16.3165% | 1,598 |
| Efficiency ratio | 58.1163% | 5,855 |
| Assets per employee ($millions) | 4.6730% | 2,605 |
| Cash dividends to net income (ytd only)* | 9.8318% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 5,276 |
| Loan loss allowance to noncurrent loans | 118.9093% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 2.9479% | 1,869 |
| Noncurrent loans to loans | 1.0251% | 4,462 |
| Net loans and leases to total assets | 84.8086% | 183 |
| Net loans and leases to deposits | 98.8335% | 479 |
| Net loans and leases to core deposits | 103.9343% | 862 |
| Total domestic deposits to total assets | 85.8096% | 3,446 |
| Equity capital to assets | 13.5352% | 1,285 |
| Core capital (leverage) ratio | 13.7575% | 879 |
| Tier 1 risk-based capital ratio | 14.2860% | 4,247 |
| Total risk-based capital ratio | 15.4363% | 4,278 |
| Memoranda: | ||
| Average total assets | $474,552,330 | 1,413 |
| Average earning assets | $453,166,000 | 1,362 |
| Average equity | $63,943,670 | 1,107 |
| Average total loans | $409,335,000 | 1,025 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5500% | 697 |
| Cost of funding earning assets | 0.8230% | 3,291 |
| Net interest margin | 4.7271% | 654 |
| Noninterest income to average assets | 0.1273% | 6,613 |
| Noninterest expense to average assets | 2.6420% | 4,659 |
| Loan and lease loss provision to assets | 0.1197% | 3,849 |
| Net operating income to assets | 1.1495% | 1,881 |
| Return on assets (ROA) | 1.1495% | 2,062 |
| Pretax return on assets | 1.8957% | 886 |
| Return on Equity (ROE) | 8.5505% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.7232% | 2,082 |
| Net charge-offs to loans | 0.1993% | 2,926 |
| Credit loss provision to net charge-offs | 69.4581% | 2,926 |
| Earnings coverage of net charge-offs (x) | 11.6946% | 1,654 |
| Efficiency ratio | 56.7262% | 6,054 |
| Assets per employee ($millions) | 4.5786% | 2,850 |
| Cash dividends to net income (ytd only)* | 9.6750% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 5,249 |
| Loan loss allowance to noncurrent loans | 54.2674% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 3.6207% | 1,569 |
| Noncurrent loans to loans | 2.3022% | 2,808 |
| Net loans and leases to total assets | 85.0433% | 149 |
| Net loans and leases to deposits | 98.8880% | 408 |
| Net loans and leases to core deposits | 103.9166% | 770 |
| Total domestic deposits to total assets | 85.9996% | 3,525 |
| Equity capital to assets | 13.5610% | 1,214 |
| Core capital (leverage) ratio | 13.3821% | 993 |
| Tier 1 risk-based capital ratio | 14.6229% | 4,005 |
| Total risk-based capital ratio | 15.8253% | 4,000 |
| Memoranda: | ||
| Average total assets | $471,166,500 | 1,421 |
| Average earning assets | $451,528,500 | 1,369 |
| Average equity | $63,341,500 | 1,113 |
| Average total loans | $407,382,000 | 1,031 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6177% | 921 |
| Cost of funding earning assets | 1.0471% | 3,044 |
| Net interest margin | 4.5707% | 980 |
| Noninterest income to average assets | 0.1455% | 6,420 |
| Noninterest expense to average assets | 2.6236% | 5,003 |
| Loan and lease loss provision to assets | -0.0448% | 7,241 |
| Net operating income to assets | 1.1071% | 1,802 |
| Return on assets (ROA) | 1.1071% | 1,919 |
| Pretax return on assets | 1.8766% | 697 |
| Return on Equity (ROE) | 8.7452% | 2,568 |
| Retained earnings to average equity (ytd only) | 7.8768% | 1,122 |
| Net charge-offs to loans | 0.0541% | 5,779 |
| Credit loss provision to net charge-offs | -98.1651% | 6,701 |
| Earnings coverage of net charge-offs (x) | 40.1284% | 675 |
| Efficiency ratio | 58.8852% | 5,921 |
| Assets per employee ($millions) | 4.6608% | 2,669 |
| Cash dividends to net income (ytd only)* | 9.9300% | 3,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 5,132 |
| Loan loss allowance to noncurrent loans | 65.0741% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 3.2047% | 1,865 |
| Noncurrent loans to loans | 1.9311% | 3,299 |
| Net loans and leases to total assets | 85.7154% | 138 |
| Net loans and leases to deposits | 99.5316% | 481 |
| Net loans and leases to core deposits | 104.0370% | 904 |
| Total domestic deposits to total assets | 86.1188% | 3,251 |
| Equity capital to assets | 13.3259% | 1,348 |
| Core capital (leverage) ratio | 12.6634% | 1,281 |
| Tier 1 risk-based capital ratio | 14.3857% | 4,055 |
| Total risk-based capital ratio | 15.5982% | 4,049 |
| Memoranda: | ||
| Average total assets | $477,553,400 | 1,388 |
| Average earning assets | $450,306,600 | 1,349 |
| Average equity | $60,455,800 | 1,114 |
| Average total loans | $403,318,800 | 1,059 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7191% | 822 |
| Cost of funding earning assets | 1.0840% | 3,081 |
| Net interest margin | 4.6351% | 882 |
| Noninterest income to average assets | 0.1875% | 6,260 |
| Noninterest expense to average assets | 2.6237% | 4,993 |
| Loan and lease loss provision to assets | -0.0584% | 7,338 |
| Net operating income to assets | 1.1659% | 1,759 |
| Return on assets (ROA) | 1.1659% | 1,872 |
| Pretax return on assets | 1.9761% | 656 |
| Return on Equity (ROE) | 9.3306% | 2,453 |
| Retained earnings to average equity (ytd only) | 8.4624% | 1,328 |
| Net charge-offs to loans | 0.0720% | 5,239 |
| Credit loss provision to net charge-offs | -96.7742% | 6,513 |
| Earnings coverage of net charge-offs (x) | 31.7646% | 897 |
| Efficiency ratio | 57.7738% | 6,047 |
| Assets per employee ($millions) | 4.8002% | 2,472 |
| Cash dividends to net income (ytd only)* | 9.3057% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 5,171 |
| Loan loss allowance to noncurrent loans | 61.0188% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 3.8013% | 1,632 |
| Noncurrent loans to loans | 2.0749% | 3,271 |
| Net loans and leases to total assets | 80.2770% | 490 |
| Net loans and leases to deposits | 92.3214% | 986 |
| Net loans and leases to core deposits | 100.4099% | 1,207 |
| Total domestic deposits to total assets | 86.9538% | 2,684 |
| Equity capital to assets | 12.3730% | 1,986 |
| Core capital (leverage) ratio | 12.7065% | 1,345 |
| Tier 1 risk-based capital ratio | 13.8526% | 4,453 |
| Total risk-based capital ratio | 15.0398% | 4,473 |
| Memoranda: | ||
| Average total assets | $479,257,000 | 1,392 |
| Average earning assets | $450,174,000 | 1,362 |
| Average equity | $59,887,250 | 1,130 |
| Average total loans | $401,990,750 | 1,067 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8185% | 697 |
| Cost of funding earning assets | 1.1230% | 3,084 |
| Net interest margin | 4.6955% | 739 |
| Noninterest income to average assets | 0.1773% | 6,386 |
| Noninterest expense to average assets | 2.6119% | 5,142 |
| Loan and lease loss provision to assets | -0.1358% | 7,436 |
| Net operating income to assets | 1.2437% | 1,451 |
| Return on assets (ROA) | 1.2437% | 1,530 |
| Pretax return on assets | 2.1054% | 486 |
| Return on Equity (ROE) | 9.9189% | 2,146 |
| Retained earnings to average equity (ytd only) | 9.0313% | 1,099 |
| Net charge-offs to loans | 0.1083% | 4,608 |
| Credit loss provision to net charge-offs | -147.9263% | 6,351 |
| Earnings coverage of net charge-offs (x) | 21.4470% | 1,152 |
| Efficiency ratio | 57.0109% | 6,296 |
| Assets per employee ($millions) | 4.5837% | 2,715 |
| Cash dividends to net income (ytd only)* | 8.9486% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 5,241 |
| Loan loss allowance to noncurrent loans | 64.1245% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 4.2465% | 1,498 |
| Noncurrent loans to loans | 1.9696% | 3,520 |
| Net loans and leases to total assets | 83.2551% | 289 |
| Net loans and leases to deposits | 96.3308% | 698 |
| Net loans and leases to core deposits | 104.1270% | 1,037 |
| Total domestic deposits to total assets | 86.4263% | 3,086 |
| Equity capital to assets | 12.8440% | 1,600 |
| Core capital (leverage) ratio | 12.8561% | 1,219 |
| Tier 1 risk-based capital ratio | 13.9696% | 4,190 |
| Total risk-based capital ratio | 15.1537% | 4,206 |
| Memoranda: | ||
| Average total assets | $472,603,330 | 1,421 |
| Average earning assets | $443,277,000 | 1,383 |
| Average equity | $59,260,330 | 1,133 |
| Average total loans | $400,689,000 | 1,079 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9007% | 595 |
| Cost of funding earning assets | 1.1463% | 3,185 |
| Net interest margin | 4.7544% | 628 |
| Noninterest income to average assets | 0.1455% | 6,682 |
| Noninterest expense to average assets | 2.6512% | 5,029 |
| Loan and lease loss provision to assets | 0.0195% | 5,704 |
| Net operating income to assets | 1.1513% | 1,660 |
| Return on assets (ROA) | 1.1513% | 1,706 |
| Pretax return on assets | 1.9448% | 617 |
| Return on Equity (ROE) | 9.2948% | 2,351 |
| Retained earnings to average equity (ytd only) | 8.3933% | 1,586 |
| Net charge-offs to loans | 0.5672% | 2,067 |
| Credit loss provision to net charge-offs | 4.0351% | 4,437 |
| Earnings coverage of net charge-offs (x) | 4.0737% | 2,564 |
| Efficiency ratio | 57.4413% | 6,332 |
| Assets per employee ($millions) | 4.7057% | 2,564 |
| Cash dividends to net income (ytd only)* | 9.6988% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 5,274 |
| Loan loss allowance to noncurrent loans | 82.2248% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 4.1189% | 1,611 |
| Noncurrent loans to loans | 1.5490% | 4,142 |
| Net loans and leases to total assets | 81.8552% | 355 |
| Net loans and leases to deposits | 93.9217% | 833 |
| Net loans and leases to core deposits | 98.6262% | 1,463 |
| Total domestic deposits to total assets | 87.1526% | 2,854 |
| Equity capital to assets | 12.4521% | 1,652 |
| Core capital (leverage) ratio | 12.4789% | 1,332 |
| Tier 1 risk-based capital ratio | 13.7983% | 4,215 |
| Total risk-based capital ratio | 15.0013% | 4,214 |
| Memoranda: | ||
| Average total assets | $472,842,000 | 1,429 |
| Average earning assets | $444,558,000 | 1,389 |
| Average equity | $58,570,500 | 1,132 |
| Average total loans | $401,985,000 | 1,086 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1635% | 615 |
| Cost of funding earning assets | 1.4435% | 2,999 |
| Net interest margin | 4.7200% | 780 |
| Noninterest income to average assets | 0.0962% | 6,913 |
| Noninterest expense to average assets | 2.9558% | 4,013 |
| Loan and lease loss provision to assets | 0.1564% | 5,642 |
| Net operating income to assets | 0.8496% | 2,591 |
| Return on assets (ROA) | 0.8499% | 2,731 |
| Pretax return on assets | 1.4245% | 1,579 |
| Return on Equity (ROE) | 7.2970% | 2,982 |
| Retained earnings to average equity (ytd only) | 6.2839% | 1,673 |
| Net charge-offs to loans | 0.7726% | 2,704 |
| Credit loss provision to net charge-offs | 23.2286% | 6,537 |
| Earnings coverage of net charge-offs (x) | 2.3478% | 3,973 |
| Efficiency ratio | 65.1596% | 5,133 |
| Assets per employee ($millions) | 4.5232% | 2,823 |
| Cash dividends to net income (ytd only)* | 13.8848% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 4,702 |
| Loan loss allowance to noncurrent loans | 49.3616% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 5.1650% | 1,226 |
| Noncurrent loans to loans | 2.7513% | 2,765 |
| Net loans and leases to total assets | 85.9564% | 185 |
| Net loans and leases to deposits | 98.4390% | 684 |
| Net loans and leases to core deposits | 106.5074% | 1,155 |
| Total domestic deposits to total assets | 87.3194% | 2,653 |
| Equity capital to assets | 12.3211% | 1,733 |
| Core capital (leverage) ratio | 11.7716% | 1,692 |
| Tier 1 risk-based capital ratio | 13.1159% | 4,514 |
| Total risk-based capital ratio | 14.3662% | 4,472 |
| Memoranda: | ||
| Average total assets | $482,196,800 | 1,393 |
| Average earning assets | $453,606,400 | 1,347 |
| Average equity | $56,159,800 | 1,181 |
| Average total loans | $420,156,200 | 1,064 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1047% | 754 |
| Cost of funding earning assets | 1.4952% | 3,010 |
| Net interest margin | 4.6095% | 1,022 |
| Noninterest income to average assets | 0.1292% | 6,911 |
| Noninterest expense to average assets | 2.8634% | 4,226 |
| Loan and lease loss provision to assets | 0.1586% | 5,458 |
| Net operating income to assets | 0.8540% | 2,800 |
| Return on assets (ROA) | 0.8360% | 2,989 |
| Pretax return on assets | 1.4154% | 1,838 |
| Return on Equity (ROE) | 7.2804% | 3,214 |
| Retained earnings to average equity (ytd only) | 6.3375% | 2,184 |
| Net charge-offs to loans | 1.0298% | 1,959 |
| Credit loss provision to net charge-offs | 17.6723% | 6,269 |
| Earnings coverage of net charge-offs (x) | 1.7853% | 4,376 |
| Efficiency ratio | 64.1248% | 5,219 |
| Assets per employee ($millions) | 4.9763% | 2,210 |
| Cash dividends to net income (ytd only)* | 12.9520% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 5,159 |
| Loan loss allowance to noncurrent loans | 24.4447% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 6.8521% | 797 |
| Noncurrent loans to loans | 5.1587% | 1,325 |
| Net loans and leases to total assets | 85.3647% | 243 |
| Net loans and leases to deposits | 97.0485% | 881 |
| Net loans and leases to core deposits | 106.4148% | 1,294 |
| Total domestic deposits to total assets | 87.9608% | 1,986 |
| Equity capital to assets | 11.5879% | 2,464 |
| Core capital (leverage) ratio | 11.5146% | 1,932 |
| Tier 1 risk-based capital ratio | 12.4521% | 5,031 |
| Total risk-based capital ratio | 13.6777% | 5,019 |
| Memoranda: | ||
| Average total assets | $485,142,750 | 1,401 |
| Average earning assets | $456,380,000 | 1,354 |
| Average equity | $55,709,750 | 1,193 |
| Average total loans | $422,716,000 | 1,067 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1352% | 704 |
| Cost of funding earning assets | 1.5583% | 2,910 |
| Net interest margin | 4.5768% | 1,049 |
| Noninterest income to average assets | 0.1351% | 6,910 |
| Noninterest expense to average assets | 2.7727% | 4,604 |
| Loan and lease loss provision to assets | 0.1343% | 5,547 |
| Net operating income to assets | 0.8156% | 2,898 |
| Return on assets (ROA) | 0.7886% | 3,169 |
| Pretax return on assets | 1.4918% | 1,576 |
| Return on Equity (ROE) | 6.8886% | 3,355 |
| Retained earnings to average equity (ytd only) | 5.9366% | 2,367 |
| Net charge-offs to loans | 1.5141% | 1,265 |
| Credit loss provision to net charge-offs | 10.1504% | 5,937 |
| Earnings coverage of net charge-offs (x) | 1.2613% | 4,561 |
| Efficiency ratio | 62.4335% | 5,621 |
| Assets per employee ($millions) | 5.0063% | 2,184 |
| Cash dividends to net income (ytd only)* | 13.8203% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 5,451 |
| Loan loss allowance to noncurrent loans | 31.2053% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 5.9335% | 999 |
| Noncurrent loans to loans | 3.8505% | 1,990 |
| Net loans and leases to total assets | 85.2579% | 272 |
| Net loans and leases to deposits | 96.3277% | 1,016 |
| Net loans and leases to core deposits | 103.3142% | 1,701 |
| Total domestic deposits to total assets | 88.5081% | 1,722 |
| Equity capital to assets | 11.2012% | 2,689 |
| Core capital (leverage) ratio | 11.6611% | 1,830 |
| Tier 1 risk-based capital ratio | 12.0485% | 5,268 |
| Total risk-based capital ratio | 13.2059% | 5,315 |
| Memoranda: | ||
| Average total assets | $482,640,330 | 1,421 |
| Average earning assets | $454,071,670 | 1,368 |
| Average equity | $55,250,330 | 1,194 |
| Average total loans | $421,648,000 | 1,083 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1613% | 692 |
| Cost of funding earning assets | 1.6528% | 2,629 |
| Net interest margin | 4.5085% | 1,123 |
| Noninterest income to average assets | 0.3243% | 5,560 |
| Noninterest expense to average assets | 2.8553% | 4,250 |
| Loan and lease loss provision to assets | 0.1875% | 4,630 |
| Net operating income to assets | 0.9064% | 2,519 |
| Return on assets (ROA) | 0.8513% | 2,841 |
| Pretax return on assets | 1.4433% | 1,656 |
| Return on Equity (ROE) | 7.3527% | 3,180 |
| Retained earnings to average equity (ytd only) | 6.3971% | 2,418 |
| Net charge-offs to loans | 0.1393% | 4,100 |
| Credit loss provision to net charge-offs | 153.1034% | 2,342 |
| Earnings coverage of net charge-offs (x) | 14.0207% | 1,459 |
| Efficiency ratio | 62.4492% | 5,746 |
| Assets per employee ($millions) | 4.6662% | 2,693 |
| Cash dividends to net income (ytd only)* | 12.9960% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9454% | 2,327 |
| Loan loss allowance to noncurrent loans | 96.6956% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 4.1875% | 1,627 |
| Noncurrent loans to loans | 2.0119% | 3,779 |
| Net loans and leases to total assets | 87.0001% | 166 |
| Net loans and leases to deposits | 98.8853% | 832 |
| Net loans and leases to core deposits | 103.6970% | 1,770 |
| Total domestic deposits to total assets | 87.9808% | 2,074 |
| Equity capital to assets | 11.7355% | 2,209 |
| Core capital (leverage) ratio | 11.6044% | 1,855 |
| Tier 1 risk-based capital ratio | 12.8042% | 4,476 |
| Total risk-based capital ratio | 14.0624% | 4,440 |
| Memoranda: | ||
| Average total assets | $473,644,000 | 1,480 |
| Average earning assets | $446,270,000 | 1,422 |
| Average equity | $54,837,000 | 1,216 |
| Average total loans | $416,462,000 | 1,126 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3276% | 970 |
| Cost of funding earning assets | 2.2291% | 1,904 |
| Net interest margin | 4.0985% | 2,455 |
| Noninterest income to average assets | 0.6453% | 3,323 |
| Noninterest expense to average assets | 3.1494% | 3,549 |
| Loan and lease loss provision to assets | 0.8033% | 2,727 |
| Net operating income to assets | 0.3683% | 4,257 |
| Return on assets (ROA) | 0.3683% | 4,356 |
| Pretax return on assets | 0.6252% | 3,825 |
| Return on Equity (ROE) | 3.2532% | 4,394 |
| Retained earnings to average equity (ytd only) | 2.2508% | 3,537 |
| Net charge-offs to loans | 0.0762% | 6,351 |
| Credit loss provision to net charge-offs | 1,219.2429% | 250 |
| Earnings coverage of net charge-offs (x) | 21.6814% | 987 |
| Efficiency ratio | 68.7960% | 4,863 |
| Assets per employee ($millions) | 4.6214% | 2,730 |
| Cash dividends to net income (ytd only)* | 30.8126% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9433% | 2,158 |
| Loan loss allowance to noncurrent loans | 47.6162% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 5.4945% | 1,068 |
| Noncurrent loans to loans | 4.0811% | 1,809 |
| Net loans and leases to total assets | 85.4429% | 312 |
| Net loans and leases to deposits | 96.7565% | 1,233 |
| Net loans and leases to core deposits | 126.6723% | 1,464 |
| Total domestic deposits to total assets | 88.3071% | 1,818 |
| Equity capital to assets | 11.4214% | 2,372 |
| Core capital (leverage) ratio | 11.1166% | 2,161 |
| Tier 1 risk-based capital ratio | 12.4987% | 4,525 |
| Total risk-based capital ratio | 13.7577% | 4,466 |
| Memoranda: | ||
| Average total assets | $481,140,000 | 1,437 |
| Average earning assets | $461,661,000 | 1,363 |
| Average equity | $54,469,600 | 1,208 |
| Average total loans | $415,837,400 | 1,161 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9831% | 306 |
| Cost of funding earning assets | 2.3308% | 1,874 |
| Net interest margin | 4.6523% | 906 |
| Noninterest income to average assets | 0.2333% | 6,557 |
| Noninterest expense to average assets | 3.0689% | 3,771 |
| Loan and lease loss provision to assets | 0.1023% | 6,350 |
| Net operating income to assets | 0.9109% | 2,387 |
| Return on assets (ROA) | 0.9109% | 2,453 |
| Pretax return on assets | 1.5433% | 1,295 |
| Return on Equity (ROE) | 8.0641% | 2,609 |
| Retained earnings to average equity (ytd only) | 7.0487% | 1,486 |
| Net charge-offs to loans | 0.0179% | 6,664 |
| Credit loss provision to net charge-offs | 660.7143% | 566 |
| Earnings coverage of net charge-offs (x) | 106.3283% | 344 |
| Efficiency ratio | 65.0956% | 5,533 |
| Assets per employee ($millions) | 3.6375% | 4,583 |
| Cash dividends to net income (ytd only)* | 12.5910% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 5,273 |
| Loan loss allowance to noncurrent loans | 53.5940% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 3.6046% | 1,829 |
| Noncurrent loans to loans | 2.1904% | 3,388 |
| Net loans and leases to total assets | 82.6981% | 712 |
| Net loans and leases to deposits | 93.8606% | 1,909 |
| Net loans and leases to core deposits | 127.8516% | 1,594 |
| Total domestic deposits to total assets | 88.1074% | 1,606 |
| Equity capital to assets | 11.4246% | 2,652 |
| Core capital (leverage) ratio | 11.7549% | 1,934 |
| Tier 1 risk-based capital ratio | 13.4926% | 3,854 |
| Total risk-based capital ratio | 14.6520% | 3,857 |
| Memoranda: | ||
| Average total assets | $482,425,000 | 1,452 |
| Average earning assets | $464,674,000 | 1,371 |
| Average equity | $54,495,500 | 1,226 |
| Average total loans | $416,104,750 | 1,174 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8324% | 425 |
| Cost of funding earning assets | 2.3942% | 1,990 |
| Net interest margin | 4.4382% | 1,318 |
| Noninterest income to average assets | 0.1856% | 6,966 |
| Noninterest expense to average assets | 2.9382% | 4,345 |
| Loan and lease loss provision to assets | 0.1026% | 6,144 |
| Net operating income to assets | 0.8533% | 2,638 |
| Return on assets (ROA) | 0.8533% | 2,741 |
| Pretax return on assets | 1.4309% | 1,644 |
| Return on Equity (ROE) | 7.5834% | 2,928 |
| Retained earnings to average equity (ytd only) | 6.5308% | 1,782 |
| Net charge-offs to loans | -0.0077% | 7,581 |
| Credit loss provision to net charge-offs | -1,537.5000% | 7,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7060% | 5,598 |
| Assets per employee ($millions) | 3.2720% | 5,392 |
| Cash dividends to net income (ytd only)* | 13.8807% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 5,387 |
| Loan loss allowance to noncurrent loans | 39.2954% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 3.5978% | 1,721 |
| Noncurrent loans to loans | 2.8760% | 2,507 |
| Net loans and leases to total assets | 89.2608% | 168 |
| Net loans and leases to deposits | 101.5029% | 1,116 |
| Net loans and leases to core deposits | 140.6891% | 982 |
| Total domestic deposits to total assets | 87.9392% | 1,804 |
| Equity capital to assets | 11.7370% | 2,359 |
| Core capital (leverage) ratio | 12.3272% | 1,682 |
| Tier 1 risk-based capital ratio | 13.1841% | 4,009 |
| Total risk-based capital ratio | 14.3287% | 4,003 |
| Memoranda: | ||
| Average total assets | $479,546,000 | 1,480 |
| Average earning assets | $463,115,000 | 1,397 |
| Average equity | $53,960,000 | 1,247 |
| Average total loans | $417,832,000 | 1,197 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7785% | 500 |
| Cost of funding earning assets | 2.5029% | 1,909 |
| Net interest margin | 4.2756% | 1,660 |
| Noninterest income to average assets | 0.0676% | 7,727 |
| Noninterest expense to average assets | 2.8473% | 4,346 |
| Loan and lease loss provision to assets | 0.1146% | 5,499 |
| Net operating income to assets | 0.7326% | 3,417 |
| Return on assets (ROA) | 0.7326% | 3,607 |
| Pretax return on assets | 1.2419% | 2,479 |
| Return on Equity (ROE) | 6.6491% | 3,748 |
| Retained earnings to average equity (ytd only) | 5.5122% | 2,858 |
| Net charge-offs to loans | -0.0019% | 7,112 |
| Credit loss provision to net charge-offs | -6,950.0000% | 6,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7318% | 5,015 |
| Assets per employee ($millions) | 3.5364% | 4,733 |
| Cash dividends to net income (ytd only)* | 17.0979% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 5,373 |
| Loan loss allowance to noncurrent loans | 37.1071% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 3.6359% | 1,459 |
| Noncurrent loans to loans | 2.9998% | 2,174 |
| Net loans and leases to total assets | 85.9073% | 459 |
| Net loans and leases to deposits | 97.0742% | 1,791 |
| Net loans and leases to core deposits | 145.5853% | 885 |
| Total domestic deposits to total assets | 88.4965% | 1,490 |
| Equity capital to assets | 11.1960% | 2,815 |
| Core capital (leverage) ratio | 11.4360% | 2,185 |
| Tier 1 risk-based capital ratio | 12.9179% | 4,234 |
| Total risk-based capital ratio | 14.0289% | 4,251 |
| Memoranda: | ||
| Average total assets | $485,367,500 | 1,461 |
| Average earning assets | $469,543,000 | 1,385 |
| Average equity | $53,481,000 | 1,262 |
| Average total loans | $415,534,000 | 1,219 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7021% | 276 |
| Cost of funding earning assets | 3.0780% | 1,578 |
| Net interest margin | 4.6242% | 1,114 |
| Noninterest income to average assets | 0.1056% | 7,609 |
| Noninterest expense to average assets | 2.4854% | 6,069 |
| Loan and lease loss provision to assets | 0.2527% | 4,392 |
| Net operating income to assets | 1.1446% | 1,968 |
| Return on assets (ROA) | 0.5277% | 4,478 |
| Pretax return on assets | 0.8670% | 3,831 |
| Return on Equity (ROE) | 4.7831% | 4,480 |
| Retained earnings to average equity (ytd only) | 3.2559% | 3,126 |
| Net charge-offs to loans | 0.2314% | 3,927 |
| Credit loss provision to net charge-offs | 124.5047% | 4,297 |
| Earnings coverage of net charge-offs (x) | 10.2649% | 2,546 |
| Efficiency ratio | 54.3964% | 7,233 |
| Assets per employee ($millions) | 3.5492% | 4,547 |
| Cash dividends to net income (ytd only)* | 31.9294% | 4,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 5,338 |
| Loan loss allowance to noncurrent loans | 55.0861% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 2.1242% | 2,311 |
| Noncurrent loans to loans | 1.9816% | 2,790 |
| Net loans and leases to total assets | 83.4519% | 967 |
| Net loans and leases to deposits | 93.7528% | 2,812 |
| Net loans and leases to core deposits | 141.2241% | 1,202 |
| Total domestic deposits to total assets | 89.0127% | 1,038 |
| Equity capital to assets | 10.8446% | 3,169 |
| Core capital (leverage) ratio | 10.9430% | 2,631 |
| Tier 1 risk-based capital ratio | 12.7476% | 4,262 |
| Total risk-based capital ratio | 13.8236% | 4,297 |
| Memoranda: | ||
| Average total assets | $472,445,800 | 1,459 |
| Average earning assets | $456,016,000 | 1,367 |
| Average equity | $52,120,600 | 1,293 |
| Average total loans | $414,372,200 | 1,162 |