Home > Bank of Ocean City > Performance and Condition Ratios
Bank of Ocean City, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6751% | 3,646 |
| Cost of funding earning assets | 1.7845% | 2,488 |
| Net interest margin | 2.8906% | 3,574 |
| Noninterest income to average assets | 0.1900% | 3,621 |
| Noninterest expense to average assets | 1.6269% | 4,109 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 0.9442% | 2,439 |
| Return on assets (ROA) | 0.9442% | 2,442 |
| Pretax return on assets | 1.2476% | 2,118 |
| Return on Equity (ROE) | 9.3500% | 2,508 |
| Retained earnings to average equity (ytd only) | 9.3469% | 1,352 |
| Net charge-offs to loans | 0.0026% | 2,211 |
| Credit loss provision to net charge-offs | 4,933.3333% | 88 |
| Earnings coverage of net charge-offs (x) | 731.6667% | 135 |
| Efficiency ratio | 54.9374% | 3,514 |
| Assets per employee ($millions) | 8.4344% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6251% | 4,135 |
| Loan loss allowance to noncurrent loans | 295,600.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 3,812 |
| Noncurrent loans to loans | 0.0002% | 3,785 |
| Net loans and leases to total assets | 71.4300% | 1,669 |
| Net loans and leases to deposits | 79.9234% | 2,059 |
| Net loans and leases to core deposits | 87.7022% | 2,205 |
| Total domestic deposits to total assets | 89.3700% | 1,032 |
| Equity capital to assets | 10.2348% | 2,084 |
| Core capital (leverage) ratio | 10.5633% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8482% | 1,573 |
| Memoranda: | ||
| Average total assets | $657,922,000 | 1,433 |
| Average earning assets | $631,433,500 | 1,388 |
| Average equity | $66,460,500 | 1,422 |
| Average total loans | $460,486,000 | 1,399 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 3,834 |
| Cost of funding earning assets | 1.7832% | 2,764 |
| Net interest margin | 2.7540% | 3,551 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 1.6141% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9851% | 2,103 |
| Return on assets (ROA) | 0.9851% | 2,099 |
| Pretax return on assets | 1.2838% | 1,798 |
| Return on Equity (ROE) | 10.0400% | 2,137 |
| Retained earnings to average equity (ytd only) | 8.4597% | 961 |
| Net charge-offs to loans | 0.0053% | 2,744 |
| Credit loss provision to net charge-offs | 321.7391% | 829 |
| Earnings coverage of net charge-offs (x) | 358.7391% | 331 |
| Efficiency ratio | 55.6517% | 3,592 |
| Assets per employee ($millions) | 8.6574% | 1,196 |
| Cash dividends to net income (ytd only)* | 15.7462% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6273% | 4,151 |
| Loan loss allowance to noncurrent loans | 127.5987% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 1,919 |
| Noncurrent loans to loans | 0.4916% | 1,848 |
| Net loans and leases to total assets | 67.6800% | 2,181 |
| Net loans and leases to deposits | 75.5140% | 2,512 |
| Net loans and leases to core deposits | 82.0053% | 2,628 |
| Total domestic deposits to total assets | 89.6200% | 938 |
| Equity capital to assets | 9.9684% | 2,149 |
| Core capital (leverage) ratio | 10.0360% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8520% | 1,556 |
| Memoranda: | ||
| Average total assets | $641,462,200 | 1,446 |
| Average earning assets | $615,003,000 | 1,401 |
| Average equity | $62,934,000 | 1,433 |
| Average total loans | $434,555,600 | 1,443 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 3,923 |
| Cost of funding earning assets | 1.7670% | 2,804 |
| Net interest margin | 2.6597% | 3,662 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 1.5579% | 4,214 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.9640% | 2,172 |
| Return on assets (ROA) | 0.9640% | 2,173 |
| Pretax return on assets | 1.2703% | 1,841 |
| Return on Equity (ROE) | 9.8700% | 2,237 |
| Retained earnings to average equity (ytd only) | 9.1555% | 1,076 |
| Net charge-offs to loans | 0.0068% | 2,417 |
| Credit loss provision to net charge-offs | 336.3636% | 801 |
| Earnings coverage of net charge-offs (x) | 277.5455% | 411 |
| Efficiency ratio | 54.9472% | 3,641 |
| Assets per employee ($millions) | 8.8457% | 1,114 |
| Cash dividends to net income (ytd only)* | 7.2049% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6307% | 4,185 |
| Loan loss allowance to noncurrent loans | 281,200.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 3,859 |
| Noncurrent loans to loans | 0.0002% | 3,828 |
| Net loans and leases to total assets | 65.0500% | 2,412 |
| Net loans and leases to deposits | 72.1716% | 2,802 |
| Net loans and leases to core deposits | 78.0218% | 2,953 |
| Total domestic deposits to total assets | 90.1300% | 555 |
| Equity capital to assets | 9.5368% | 2,640 |
| Core capital (leverage) ratio | 9.7782% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7570% | 1,612 |
| Memoranda: | ||
| Average total assets | $637,337,500 | 1,446 |
| Average earning assets | $611,030,250 | 1,404 |
| Average equity | $62,270,500 | 1,432 |
| Average total loans | $431,168,500 | 1,449 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 4,045 |
| Cost of funding earning assets | 1.7765% | 2,677 |
| Net interest margin | 2.5084% | 3,868 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 1.5846% | 4,198 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.8276% | 2,538 |
| Return on assets (ROA) | 0.8276% | 2,547 |
| Pretax return on assets | 1.0961% | 2,224 |
| Return on Equity (ROE) | 8.4000% | 2,621 |
| Retained earnings to average equity (ytd only) | 7.3157% | 1,564 |
| Net charge-offs to loans | 0.0005% | 2,608 |
| Credit loss provision to net charge-offs | 7,400.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 3,447.0000% | 18 |
| Efficiency ratio | 58.8713% | 3,312 |
| Assets per employee ($millions) | 8.5784% | 1,167 |
| Cash dividends to net income (ytd only)* | 12.8832% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6459% | 4,183 |
| Loan loss allowance to noncurrent loans | 141,650.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,850 |
| Noncurrent loans to loans | 0.0005% | 3,817 |
| Net loans and leases to total assets | 68.6400% | 2,056 |
| Net loans and leases to deposits | 76.3995% | 2,511 |
| Net loans and leases to core deposits | 83.1596% | 2,591 |
| Total domestic deposits to total assets | 89.8500% | 747 |
| Equity capital to assets | 9.8530% | 2,167 |
| Core capital (leverage) ratio | 10.3541% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5605% | 1,681 |
| Memoranda: | ||
| Average total assets | $622,743,000 | 1,469 |
| Average earning assets | $596,228,667 | 1,426 |
| Average equity | $61,375,000 | 1,439 |
| Average total loans | $426,265,667 | 1,462 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 96,849.0000% | 16 |
| Cost of funding earning assets | 0.0000% | 4,491 |
| Net interest margin | 0.0000% | 4,533 |
| Noninterest income to average assets | 0.0000% | 4,505 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | 0.7965% | 2,564 |
| Pretax return on assets | 1.0572% | 2,239 |
| Return on Equity (ROE) | 8.0800% | 2,666 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0013% | 2,171 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 0.4088% | 4,558 |
| Assets per employee ($millions) | 0.3029% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 577 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 10,491.0000% | 17 |
| Total domestic deposits to total assets | 19.0000% | 4,483 |
| Equity capital to assets | 22,653.0000% | 26 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,000,000 | 4,576 |
| Average earning assets | $5,770 | 4,555 |
| Average equity | $0 | 4,522 |
| Average total loans | $0 | 4,458 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 4,096 |
| Cost of funding earning assets | 0.9267% | 3,210 |
| Net interest margin | 2.8896% | 3,571 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.4317% | 4,368 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.1200% | 1,989 |
| Return on assets (ROA) | 1.1200% | 1,971 |
| Pretax return on assets | 1.4831% | 1,592 |
| Return on Equity (ROE) | 12.2800% | 2,061 |
| Retained earnings to average equity (ytd only) | 11.6178% | 1,042 |
| Net charge-offs to loans | 0.0038% | 2,357 |
| Credit loss provision to net charge-offs | 854.5455% | 443 |
| Earnings coverage of net charge-offs (x) | 651.7273% | 241 |
| Efficiency ratio | 48.2457% | 4,029 |
| Assets per employee ($millions) | 9.3456% | 821 |
| Cash dividends to net income (ytd only)* | 5.3940% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6704% | 4,180 |
| Loan loss allowance to noncurrent loans | 89,133.3333% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,889 |
| Noncurrent loans to loans | 0.0008% | 3,833 |
| Net loans and leases to total assets | 60.5600% | 2,787 |
| Net loans and leases to deposits | 66.7872% | 3,065 |
| Net loans and leases to core deposits | 71.3314% | 3,144 |
| Total domestic deposits to total assets | 90.6800% | 749 |
| Equity capital to assets | 9.0281% | 2,396 |
| Core capital (leverage) ratio | 9.2774% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6765% | 1,665 |
| Memoranda: | ||
| Average total assets | $622,354,250 | 1,430 |
| Average earning assets | $595,776,500 | 1,389 |
| Average equity | $56,762,000 | 1,437 |
| Average total loans | $381,314,750 | 1,521 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6333% | 4,219 |
| Cost of funding earning assets | 0.8079% | 3,182 |
| Net interest margin | 2.8254% | 3,784 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.4441% | 4,376 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0743% | 2,195 |
| Return on assets (ROA) | 1.0743% | 2,192 |
| Pretax return on assets | 1.4307% | 1,743 |
| Return on Equity (ROE) | 11.7400% | 2,236 |
| Retained earnings to average equity (ytd only) | 10.7294% | 1,242 |
| Net charge-offs to loans | 0.0027% | 2,248 |
| Credit loss provision to net charge-offs | 1,880.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 894.0000% | 170 |
| Efficiency ratio | 49.7018% | 3,953 |
| Assets per employee ($millions) | 9.2569% | 834 |
| Cash dividends to net income (ytd only)* | 8.5819% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6764% | 4,220 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 62.5200% | 2,523 |
| Net loans and leases to deposits | 68.9770% | 2,859 |
| Net loans and leases to core deposits | 73.5765% | 2,920 |
| Total domestic deposits to total assets | 90.6400% | 748 |
| Equity capital to assets | 9.1088% | 2,437 |
| Core capital (leverage) ratio | 9.8647% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5893% | 1,701 |
| Memoranda: | ||
| Average total assets | $611,741,000 | 1,450 |
| Average earning assets | $584,703,333 | 1,413 |
| Average equity | $55,995,667 | 1,458 |
| Average total loans | $375,467,333 | 1,522 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5734% | 4,186 |
| Cost of funding earning assets | 0.6561% | 3,198 |
| Net interest margin | 2.9172% | 3,767 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.4218% | 4,457 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.1293% | 2,127 |
| Return on assets (ROA) | 1.1293% | 2,098 |
| Pretax return on assets | 1.5041% | 1,662 |
| Return on Equity (ROE) | 12.3100% | 2,141 |
| Retained earnings to average equity (ytd only) | 12.3055% | 1,213 |
| Net charge-offs to loans | 0.0077% | 1,664 |
| Credit loss provision to net charge-offs | 1,342.8571% | 301 |
| Earnings coverage of net charge-offs (x) | 337.2857% | 335 |
| Efficiency ratio | 47.5799% | 4,112 |
| Assets per employee ($millions) | 9.0141% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7131% | 4,227 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 63.6400% | 2,281 |
| Net loans and leases to deposits | 72.0682% | 2,466 |
| Net loans and leases to core deposits | 75.6529% | 2,559 |
| Total domestic deposits to total assets | 88.3000% | 1,817 |
| Equity capital to assets | 9.5790% | 2,077 |
| Core capital (leverage) ratio | 9.7040% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7658% | 1,697 |
| Memoranda: | ||
| Average total assets | $602,877,500 | 1,491 |
| Average earning assets | $575,481,500 | 1,456 |
| Average equity | $55,325,000 | 1,483 |
| Average total loans | $365,089,000 | 1,562 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2426% | 3,736 |
| Cost of funding earning assets | 0.3064% | 2,824 |
| Net interest margin | 2.9362% | 3,599 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.2622% | 4,575 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.2959% | 1,449 |
| Return on assets (ROA) | 1.2958% | 1,408 |
| Pretax return on assets | 1.7222% | 876 |
| Return on Equity (ROE) | 16.0100% | 1,054 |
| Retained earnings to average equity (ytd only) | 14.4203% | 337 |
| Net charge-offs to loans | -0.0021% | 3,457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.9132% | 4,491 |
| Assets per employee ($millions) | 9.1152% | 878 |
| Cash dividends to net income (ytd only)* | 9.9086% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 4,166 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.7900% | 2,938 |
| Net loans and leases to deposits | 62.4232% | 3,163 |
| Net loans and leases to core deposits | 65.5807% | 3,162 |
| Total domestic deposits to total assets | 90.9800% | 967 |
| Equity capital to assets | 8.7967% | 2,494 |
| Core capital (leverage) ratio | 8.8206% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5592% | 1,771 |
| Memoranda: | ||
| Average total assets | $633,202,400 | 1,414 |
| Average earning assets | $604,829,800 | 1,377 |
| Average equity | $51,261,000 | 1,587 |
| Average total loans | $328,363,000 | 1,606 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1157% | 3,639 |
| Cost of funding earning assets | 0.2556% | 2,647 |
| Net interest margin | 2.8600% | 3,597 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.2140% | 4,619 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2829% | 1,417 |
| Return on assets (ROA) | 1.2827% | 1,386 |
| Pretax return on assets | 1.7195% | 870 |
| Return on Equity (ROE) | 16.1900% | 943 |
| Retained earnings to average equity (ytd only) | 15.5730% | 312 |
| Net charge-offs to loans | -0.0012% | 3,203 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 41.2527% | 4,542 |
| Assets per employee ($millions) | 10.3033% | 597 |
| Cash dividends to net income (ytd only)* | 3.7884% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7439% | 4,193 |
| Loan loss allowance to noncurrent loans | 2,646.2366% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 3,831 |
| Noncurrent loans to loans | 0.0281% | 3,698 |
| Net loans and leases to total assets | 49.0300% | 3,529 |
| Net loans and leases to deposits | 53.3241% | 3,642 |
| Net loans and leases to core deposits | 54.7421% | 3,705 |
| Total domestic deposits to total assets | 91.9500% | 894 |
| Equity capital to assets | 7.8764% | 2,974 |
| Core capital (leverage) ratio | 8.1186% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1060% | 1,671 |
| Memoranda: | ||
| Average total assets | $636,544,000 | 1,420 |
| Average earning assets | $608,647,250 | 1,381 |
| Average equity | $50,445,000 | 1,639 |
| Average total loans | $321,797,500 | 1,629 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9980% | 3,564 |
| Cost of funding earning assets | 0.2389% | 2,405 |
| Net interest margin | 2.7591% | 3,553 |
| Noninterest income to average assets | 0.1989% | 4,006 |
| Noninterest expense to average assets | 1.2291% | 4,626 |
| Loan and lease loss provision to assets | -0.0537% | 4,527 |
| Net operating income to assets | 1.2323% | 1,325 |
| Return on assets (ROA) | 1.2320% | 1,304 |
| Pretax return on assets | 1.6633% | 816 |
| Return on Equity (ROE) | 15.5122% | 794 |
| Retained earnings to average equity (ytd only) | 14.5782% | 306 |
| Net charge-offs to loans | -0.0013% | 3,061 |
| Credit loss provision to net charge-offs | 8,400.0000% | 67 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2932% | 4,533 |
| Assets per employee ($millions) | 10.3546% | 594 |
| Cash dividends to net income (ytd only)* | 6.0213% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6864% | 4,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 50.6613% | 3,301 |
| Net loans and leases to deposits | 55.0618% | 3,461 |
| Net loans and leases to core deposits | 56.3554% | 3,535 |
| Total domestic deposits to total assets | 92.0080% | 826 |
| Equity capital to assets | 7.8669% | 3,225 |
| Core capital (leverage) ratio | 8.6373% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7546% | 1,783 |
| Memoranda: | ||
| Average total assets | $625,487,667 | 1,445 |
| Average earning assets | $598,523,333 | 1,410 |
| Average equity | $49,677,000 | 1,692 |
| Average total loans | $318,781,333 | 1,639 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8848% | 3,570 |
| Cost of funding earning assets | 0.2380% | 2,287 |
| Net interest margin | 2.6468% | 3,536 |
| Noninterest income to average assets | 0.1938% | 4,001 |
| Noninterest expense to average assets | 1.2520% | 4,646 |
| Loan and lease loss provision to assets | -0.0564% | 4,526 |
| Net operating income to assets | 1.1574% | 1,358 |
| Return on assets (ROA) | 1.1574% | 1,359 |
| Pretax return on assets | 1.5346% | 950 |
| Return on Equity (ROE) | 14.5016% | 730 |
| Retained earnings to average equity (ytd only) | 14.5016% | 328 |
| Net charge-offs to loans | 0.0025% | 1,713 |
| Credit loss provision to net charge-offs | -4,350.0000% | 3,492 |
| Earnings coverage of net charge-offs (x) | 1,140.5000% | 71 |
| Efficiency ratio | 45.8581% | 4,500 |
| Assets per employee ($millions) | 9.9822% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 4,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 53.2606% | 2,849 |
| Net loans and leases to deposits | 58.1307% | 3,065 |
| Net loans and leases to core deposits | 59.8965% | 3,156 |
| Total domestic deposits to total assets | 91.6221% | 743 |
| Equity capital to assets | 8.1742% | 3,427 |
| Core capital (leverage) ratio | 8.2668% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5866% | 1,959 |
| Memoranda: | ||
| Average total assets | $617,240,000 | 1,465 |
| Average earning assets | $591,510,000 | 1,429 |
| Average equity | $49,263,500 | 1,754 |
| Average total loans | $314,429,500 | 1,642 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9213% | 4,015 |
| Cost of funding earning assets | 0.2879% | 2,525 |
| Net interest margin | 2.6333% | 3,989 |
| Noninterest income to average assets | 0.1816% | 4,245 |
| Noninterest expense to average assets | 1.2944% | 4,680 |
| Loan and lease loss provision to assets | -0.0219% | 4,236 |
| Net operating income to assets | 1.0787% | 2,373 |
| Return on assets (ROA) | 1.0787% | 2,447 |
| Pretax return on assets | 1.4483% | 1,884 |
| Return on Equity (ROE) | 13.3749% | 1,348 |
| Retained earnings to average equity (ytd only) | 11.7530% | 573 |
| Net charge-offs to loans | -0.0067% | 3,625 |
| Credit loss provision to net charge-offs | 630.0000% | 699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5737% | 4,432 |
| Assets per employee ($millions) | 10.4261% | 596 |
| Cash dividends to net income (ytd only)* | 12.1271% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7988% | 4,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 47.9260% | 3,501 |
| Net loans and leases to deposits | 52.1015% | 3,732 |
| Net loans and leases to core deposits | 53.8428% | 3,761 |
| Total domestic deposits to total assets | 91.9858% | 181 |
| Equity capital to assets | 7.7934% | 4,472 |
| Core capital (leverage) ratio | 7.7212% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9997% | 1,512 |
| Memoranda: | ||
| Average total assets | $574,867,400 | 1,500 |
| Average earning assets | $554,313,000 | 1,467 |
| Average equity | $46,362,800 | 1,880 |
| Average total loans | $299,971,200 | 1,704 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9645% | 4,065 |
| Cost of funding earning assets | 0.2970% | 2,620 |
| Net interest margin | 2.6675% | 4,030 |
| Noninterest income to average assets | 0.1776% | 4,312 |
| Noninterest expense to average assets | 1.2679% | 4,768 |
| Loan and lease loss provision to assets | -0.0455% | 4,440 |
| Net operating income to assets | 1.1275% | 2,448 |
| Return on assets (ROA) | 1.1275% | 2,513 |
| Pretax return on assets | 1.5325% | 1,897 |
| Return on Equity (ROE) | 13.8500% | 1,433 |
| Retained earnings to average equity (ytd only) | 13.2062% | 609 |
| Net charge-offs to loans | -0.0102% | 3,676 |
| Credit loss provision to net charge-offs | 834.7826% | 570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0227% | 4,503 |
| Assets per employee ($millions) | 10.6823% | 527 |
| Cash dividends to net income (ytd only)* | 4.6487% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8070% | 4,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 44.3465% | 3,923 |
| Net loans and leases to deposits | 47.9449% | 4,120 |
| Net loans and leases to core deposits | 54.9561% | 3,854 |
| Total domestic deposits to total assets | 92.4948% | 70 |
| Equity capital to assets | 7.3718% | 4,738 |
| Core capital (leverage) ratio | 7.5697% | 4,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7595% | 1,406 |
| Memoranda: | ||
| Average total assets | $562,193,000 | 1,551 |
| Average earning assets | $543,173,000 | 1,507 |
| Average equity | $45,765,250 | 1,920 |
| Average total loans | $299,408,500 | 1,738 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1105% | 3,844 |
| Cost of funding earning assets | 0.3126% | 2,655 |
| Net interest margin | 2.7979% | 3,789 |
| Noninterest income to average assets | 0.1645% | 4,377 |
| Noninterest expense to average assets | 1.3419% | 4,765 |
| Loan and lease loss provision to assets | -0.0736% | 4,571 |
| Net operating income to assets | 1.1698% | 2,298 |
| Return on assets (ROA) | 1.1698% | 2,359 |
| Pretax return on assets | 1.5925% | 1,751 |
| Return on Equity (ROE) | 13.8374% | 1,461 |
| Retained earnings to average equity (ytd only) | 12.8554% | 750 |
| Net charge-offs to loans | -0.0040% | 3,362 |
| Credit loss provision to net charge-offs | 3,266.6667% | 197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9074% | 4,468 |
| Assets per employee ($millions) | 9.3915% | 743 |
| Cash dividends to net income (ytd only)* | 7.0970% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7723% | 4,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 51.4160% | 3,408 |
| Net loans and leases to deposits | 55.9515% | 3,712 |
| Net loans and leases to core deposits | 57.3933% | 3,803 |
| Total domestic deposits to total assets | 91.8939% | 146 |
| Equity capital to assets | 7.9619% | 4,556 |
| Core capital (leverage) ratio | 8.5736% | 3,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9028% | 1,665 |
| Memoranda: | ||
| Average total assets | $532,384,667 | 1,617 |
| Average earning assets | $513,036,333 | 1,567 |
| Average equity | $45,008,333 | 1,932 |
| Average total loans | $302,104,333 | 1,734 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2644% | 3,534 |
| Cost of funding earning assets | 0.3252% | 2,748 |
| Net interest margin | 2.9392% | 3,411 |
| Noninterest income to average assets | 0.1458% | 4,472 |
| Noninterest expense to average assets | 1.4165% | 4,731 |
| Loan and lease loss provision to assets | 0.0016% | 2,727 |
| Net operating income to assets | 1.1359% | 2,366 |
| Return on assets (ROA) | 1.1359% | 2,440 |
| Pretax return on assets | 1.5490% | 1,860 |
| Return on Equity (ROE) | 13.0017% | 1,671 |
| Retained earnings to average equity (ytd only) | 13.0017% | 912 |
| Net charge-offs to loans | -0.0066% | 3,505 |
| Credit loss provision to net charge-offs | -40.0000% | 2,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7418% | 4,358 |
| Assets per employee ($millions) | 8.6720% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 4,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 59.7587% | 2,569 |
| Net loans and leases to deposits | 65.5806% | 2,966 |
| Net loans and leases to core deposits | 67.9468% | 3,067 |
| Total domestic deposits to total assets | 91.1226% | 359 |
| Equity capital to assets | 8.6385% | 4,008 |
| Core capital (leverage) ratio | 8.9883% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0920% | 2,256 |
| Memoranda: | ||
| Average total assets | $507,439,000 | 1,670 |
| Average earning assets | $487,076,000 | 1,628 |
| Average equity | $44,332,500 | 1,937 |
| Average total loans | $302,300,000 | 1,732 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6029% | 3,808 |
| Cost of funding earning assets | 0.4457% | 3,308 |
| Net interest margin | 3.1572% | 3,474 |
| Noninterest income to average assets | 0.2047% | 4,247 |
| Noninterest expense to average assets | 1.6190% | 4,689 |
| Loan and lease loss provision to assets | 0.0914% | 3,217 |
| Net operating income to assets | 1.0968% | 1,936 |
| Return on assets (ROA) | 1.2267% | 1,568 |
| Pretax return on assets | 1.6625% | 927 |
| Return on Equity (ROE) | 12.7105% | 1,115 |
| Retained earnings to average equity (ytd only) | 10.9225% | 440 |
| Net charge-offs to loans | -0.0189% | 4,408 |
| Credit loss provision to net charge-offs | -745.2830% | 4,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4614% | 4,502 |
| Assets per employee ($millions) | 8.1075% | 1,001 |
| Cash dividends to net income (ytd only)* | 14.0675% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 4,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 58.3585% | 3,047 |
| Net loans and leases to deposits | 64.2185% | 3,419 |
| Net loans and leases to core deposits | 66.4688% | 3,504 |
| Total domestic deposits to total assets | 90.8749% | 255 |
| Equity capital to assets | 8.8396% | 4,187 |
| Core capital (leverage) ratio | 8.8634% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9454% | 1,872 |
| Memoranda: | ||
| Average total assets | $432,291,200 | 1,757 |
| Average earning assets | $411,282,600 | 1,731 |
| Average equity | $41,721,400 | 1,959 |
| Average total loans | $280,860,400 | 1,772 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6830% | 3,832 |
| Cost of funding earning assets | 0.4726% | 3,410 |
| Net interest margin | 3.2104% | 3,461 |
| Noninterest income to average assets | 0.2118% | 4,208 |
| Noninterest expense to average assets | 1.6253% | 4,708 |
| Loan and lease loss provision to assets | 0.1265% | 2,764 |
| Net operating income to assets | 1.0902% | 2,015 |
| Return on assets (ROA) | 1.2699% | 1,535 |
| Pretax return on assets | 1.7306% | 907 |
| Return on Equity (ROE) | 12.8373% | 1,158 |
| Retained earnings to average equity (ytd only) | 12.1225% | 411 |
| Net charge-offs to loans | 0.0182% | 2,493 |
| Credit loss provision to net charge-offs | 1,039.4737% | 803 |
| Earnings coverage of net charge-offs (x) | 134.0263% | 652 |
| Efficiency ratio | 49.9361% | 4,497 |
| Assets per employee ($millions) | 8.0827% | 965 |
| Cash dividends to net income (ytd only)* | 5.5682% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 4,304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 58.3309% | 3,387 |
| Net loans and leases to deposits | 63.8980% | 3,798 |
| Net loans and leases to core deposits | 65.5078% | 3,921 |
| Total domestic deposits to total assets | 91.2875% | 126 |
| Equity capital to assets | 8.5627% | 4,431 |
| Core capital (leverage) ratio | 8.7227% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0623% | 1,809 |
| Memoranda: | ||
| Average total assets | $416,724,250 | 1,787 |
| Average earning assets | $394,998,000 | 1,763 |
| Average equity | $41,222,500 | 1,960 |
| Average total loans | $278,291,250 | 1,770 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 3,416 |
| Cost of funding earning assets | 0.4972% | 3,549 |
| Net interest margin | 3.4687% | 2,891 |
| Noninterest income to average assets | 0.2054% | 4,249 |
| Noninterest expense to average assets | 1.7427% | 4,641 |
| Loan and lease loss provision to assets | 0.2033% | 2,023 |
| Net operating income to assets | 1.1011% | 1,961 |
| Return on assets (ROA) | 1.3902% | 1,225 |
| Pretax return on assets | 1.8966% | 675 |
| Return on Equity (ROE) | 13.2858% | 1,039 |
| Retained earnings to average equity (ytd only) | 12.1987% | 436 |
| Net charge-offs to loans | 0.0293% | 2,129 |
| Credit loss provision to net charge-offs | 987.5000% | 801 |
| Earnings coverage of net charge-offs (x) | 84.2250% | 782 |
| Efficiency ratio | 50.1258% | 4,498 |
| Assets per employee ($millions) | 7.1383% | 1,368 |
| Cash dividends to net income (ytd only)* | 8.1822% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8166% | 4,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 65.5457% | 2,694 |
| Net loans and leases to deposits | 72.5473% | 3,209 |
| Net loans and leases to core deposits | 74.7587% | 3,395 |
| Total domestic deposits to total assets | 90.3490% | 312 |
| Equity capital to assets | 9.2596% | 3,870 |
| Core capital (leverage) ratio | 10.3771% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0581% | 1,787 |
| Memoranda: | ||
| Average total assets | $388,589,333 | 1,853 |
| Average earning assets | $366,479,333 | 1,831 |
| Average equity | $40,660,000 | 1,969 |
| Average total loans | $272,807,667 | 1,777 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 2,857 |
| Cost of funding earning assets | 0.5452% | 3,717 |
| Net interest margin | 3.7752% | 2,067 |
| Noninterest income to average assets | 0.2391% | 4,124 |
| Noninterest expense to average assets | 1.9529% | 4,485 |
| Loan and lease loss provision to assets | 0.2737% | 1,143 |
| Net operating income to assets | 1.1210% | 1,781 |
| Return on assets (ROA) | 1.6099% | 678 |
| Pretax return on assets | 2.1976% | 297 |
| Return on Equity (ROE) | 14.3494% | 639 |
| Retained earnings to average equity (ytd only) | 14.3494% | 229 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3212% | 4,593 |
| Assets per employee ($millions) | 5.7992% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 4,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 73.9719% | 1,610 |
| Net loans and leases to deposits | 83.9147% | 2,243 |
| Net loans and leases to core deposits | 87.4381% | 2,568 |
| Total domestic deposits to total assets | 88.1513% | 1,039 |
| Equity capital to assets | 11.4781% | 2,453 |
| Core capital (leverage) ratio | 11.4031% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7590% | 1,408 |
| Memoranda: | ||
| Average total assets | $358,026,500 | 1,928 |
| Average earning assets | $338,210,000 | 1,901 |
| Average equity | $40,169,000 | 1,981 |
| Average total loans | $260,613,500 | 1,804 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 3,109 |
| Cost of funding earning assets | 0.4872% | 4,145 |
| Net interest margin | 3.9657% | 1,955 |
| Noninterest income to average assets | 0.2838% | 3,989 |
| Noninterest expense to average assets | 1.9323% | 4,627 |
| Loan and lease loss provision to assets | 0.0054% | 3,901 |
| Net operating income to assets | 1.5508% | 942 |
| Return on assets (ROA) | 1.5508% | 997 |
| Pretax return on assets | 2.0948% | 483 |
| Return on Equity (ROE) | 14.5533% | 788 |
| Retained earnings to average equity (ytd only) | 12.6219% | 190 |
| Net charge-offs to loans | -0.0799% | 4,922 |
| Credit loss provision to net charge-offs | -9.5960% | 4,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9175% | 4,835 |
| Assets per employee ($millions) | 5.8436% | 1,759 |
| Cash dividends to net income (ytd only)* | 13.2709% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 4,288 |
| Loan loss allowance to noncurrent loans | 2,252.1739% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 4,526 |
| Noncurrent loans to loans | 0.0358% | 4,416 |
| Net loans and leases to total assets | 70.4279% | 2,325 |
| Net loans and leases to deposits | 79.4842% | 2,840 |
| Net loans and leases to core deposits | 82.7140% | 3,068 |
| Total domestic deposits to total assets | 88.6062% | 835 |
| Equity capital to assets | 10.9671% | 3,033 |
| Core capital (leverage) ratio | 10.6224% | 2,832 |
| Tier 1 risk-based capital ratio | 14.4399% | 3,051 |
| Total risk-based capital ratio | 15.1997% | 3,199 |
| Memoranda: | ||
| Average total assets | $351,294,800 | 1,905 |
| Average earning assets | $332,072,800 | 1,872 |
| Average equity | $37,434,800 | 2,033 |
| Average total loans | $247,925,200 | 1,836 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 3,244 |
| Cost of funding earning assets | 0.4663% | 4,280 |
| Net interest margin | 3.9709% | 2,047 |
| Noninterest income to average assets | 0.3198% | 3,831 |
| Noninterest expense to average assets | 1.8882% | 4,712 |
| Loan and lease loss provision to assets | 0.0019% | 3,815 |
| Net operating income to assets | 1.6086% | 913 |
| Return on assets (ROA) | 1.6086% | 949 |
| Pretax return on assets | 2.1854% | 465 |
| Return on Equity (ROE) | 15.2103% | 733 |
| Retained earnings to average equity (ytd only) | 14.4037% | 185 |
| Net charge-offs to loans | -0.1211% | 5,026 |
| Credit loss provision to net charge-offs | -2.2422% | 3,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3300% | 4,920 |
| Assets per employee ($millions) | 6.0779% | 1,550 |
| Cash dividends to net income (ytd only)* | 5.3033% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 4,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 65.6776% | 3,089 |
| Net loans and leases to deposits | 73.3335% | 3,530 |
| Net loans and leases to core deposits | 75.6787% | 3,719 |
| Total domestic deposits to total assets | 89.5601% | 430 |
| Equity capital to assets | 10.2090% | 3,810 |
| Core capital (leverage) ratio | 10.1062% | 3,527 |
| Tier 1 risk-based capital ratio | 14.2517% | 3,198 |
| Total risk-based capital ratio | 15.0173% | 3,348 |
| Memoranda: | ||
| Average total assets | $348,543,250 | 1,924 |
| Average earning assets | $329,655,250 | 1,900 |
| Average equity | $36,860,000 | 2,069 |
| Average total loans | $245,598,250 | 1,863 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 3,209 |
| Cost of funding earning assets | 0.4624% | 4,274 |
| Net interest margin | 3.9796% | 1,986 |
| Noninterest income to average assets | 0.3198% | 3,789 |
| Noninterest expense to average assets | 1.9757% | 4,646 |
| Loan and lease loss provision to assets | 0.0012% | 3,677 |
| Net operating income to assets | 1.5474% | 1,017 |
| Return on assets (ROA) | 1.5474% | 1,063 |
| Pretax return on assets | 2.1063% | 542 |
| Return on Equity (ROE) | 14.4422% | 887 |
| Retained earnings to average equity (ytd only) | 13.2073% | 284 |
| Net charge-offs to loans | -0.1852% | 5,123 |
| Credit loss provision to net charge-offs | -0.8889% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3871% | 4,875 |
| Assets per employee ($millions) | 5.2621% | 2,187 |
| Cash dividends to net income (ytd only)* | 8.5506% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 4,427 |
| Loan loss allowance to noncurrent loans | 208,200.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,832 |
| Noncurrent loans to loans | 0.0004% | 4,743 |
| Net loans and leases to total assets | 75.1987% | 1,688 |
| Net loans and leases to deposits | 84.7106% | 2,407 |
| Net loans and leases to core deposits | 87.9812% | 2,796 |
| Total domestic deposits to total assets | 88.7713% | 756 |
| Equity capital to assets | 10.9562% | 3,109 |
| Core capital (leverage) ratio | 11.1905% | 2,427 |
| Tier 1 risk-based capital ratio | 13.7323% | 3,464 |
| Total risk-based capital ratio | 14.5013% | 3,616 |
| Memoranda: | ||
| Average total assets | $337,088,670 | 1,976 |
| Average earning assets | $318,775,000 | 1,949 |
| Average equity | $36,116,330 | 2,095 |
| Average total loans | $242,942,000 | 1,882 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 3,430 |
| Cost of funding earning assets | 0.4643% | 4,225 |
| Net interest margin | 3.8772% | 2,257 |
| Noninterest income to average assets | 0.2726% | 4,057 |
| Noninterest expense to average assets | 1.9832% | 4,674 |
| Loan and lease loss provision to assets | 0.0024% | 3,387 |
| Net operating income to assets | 1.4237% | 1,312 |
| Return on assets (ROA) | 1.4237% | 1,341 |
| Pretax return on assets | 1.9509% | 701 |
| Return on Equity (ROE) | 13.4434% | 1,098 |
| Retained earnings to average equity (ytd only) | 13.4434% | 409 |
| Net charge-offs to loans | 0.0017% | 2,703 |
| Credit loss provision to net charge-offs | 200.0000% | 1,050 |
| Earnings coverage of net charge-offs (x) | 1,634.0000% | 25 |
| Efficiency ratio | 50.3796% | 4,799 |
| Assets per employee ($millions) | 5.3682% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7803% | 4,579 |
| Loan loss allowance to noncurrent loans | 92,800.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,902 |
| Noncurrent loans to loans | 0.0008% | 4,810 |
| Net loans and leases to total assets | 70.9104% | 2,340 |
| Net loans and leases to deposits | 79.8954% | 2,852 |
| Net loans and leases to core deposits | 89.0732% | 2,595 |
| Total domestic deposits to total assets | 88.7540% | 979 |
| Equity capital to assets | 10.8617% | 2,985 |
| Core capital (leverage) ratio | 10.9085% | 2,659 |
| Tier 1 risk-based capital ratio | 13.8449% | 3,427 |
| Total risk-based capital ratio | 14.5589% | 3,619 |
| Memoranda: | ||
| Average total assets | $334,615,500 | 1,998 |
| Average earning assets | $316,203,500 | 1,974 |
| Average equity | $35,437,500 | 2,121 |
| Average total loans | $234,769,000 | 1,961 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 4,082 |
| Cost of funding earning assets | 0.3768% | 4,121 |
| Net interest margin | 3.6018% | 3,376 |
| Noninterest income to average assets | 0.2917% | 4,154 |
| Noninterest expense to average assets | 1.8777% | 4,923 |
| Loan and lease loss provision to assets | 0.0503% | 3,177 |
| Net operating income to assets | 1.3438% | 1,643 |
| Return on assets (ROA) | 1.3187% | 1,716 |
| Pretax return on assets | 1.7604% | 1,025 |
| Return on Equity (ROE) | 13.0649% | 1,318 |
| Retained earnings to average equity (ytd only) | 11.2364% | 398 |
| Net charge-offs to loans | 0.0096% | 3,350 |
| Credit loss provision to net charge-offs | 804.7619% | 445 |
| Earnings coverage of net charge-offs (x) | 294.7619% | 331 |
| Efficiency ratio | 50.4721% | 4,910 |
| Assets per employee ($millions) | 5.3397% | 2,116 |
| Cash dividends to net income (ytd only)* | 13.9955% | 3,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8007% | 4,532 |
| Loan loss allowance to noncurrent loans | 4,215.9091% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 4,835 |
| Noncurrent loans to loans | 0.0190% | 4,706 |
| Net loans and leases to total assets | 68.3161% | 2,837 |
| Net loans and leases to deposits | 76.5818% | 3,311 |
| Net loans and leases to core deposits | 86.0090% | 2,916 |
| Total domestic deposits to total assets | 89.2066% | 773 |
| Equity capital to assets | 10.3222% | 3,354 |
| Core capital (leverage) ratio | 9.9820% | 3,602 |
| Tier 1 risk-based capital ratio | 13.7131% | 3,433 |
| Total risk-based capital ratio | 14.4442% | 3,611 |
| Memoranda: | ||
| Average total assets | $335,941,400 | 1,962 |
| Average earning assets | $319,783,400 | 1,926 |
| Average equity | $33,907,600 | 2,118 |
| Average total loans | $218,925,600 | 2,034 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8712% | 4,280 |
| Cost of funding earning assets | 0.3527% | 4,168 |
| Net interest margin | 3.5185% | 3,634 |
| Noninterest income to average assets | 0.2934% | 4,188 |
| Noninterest expense to average assets | 1.8072% | 5,028 |
| Loan and lease loss provision to assets | 0.0445% | 3,102 |
| Net operating income to assets | 1.3266% | 1,755 |
| Return on assets (ROA) | 1.3229% | 1,776 |
| Pretax return on assets | 1.7838% | 1,049 |
| Return on Equity (ROE) | 13.1813% | 1,363 |
| Retained earnings to average equity (ytd only) | 12.4929% | 418 |
| Net charge-offs to loans | 0.0117% | 2,994 |
| Credit loss provision to net charge-offs | 589.4737% | 609 |
| Earnings coverage of net charge-offs (x) | 243.0261% | 377 |
| Efficiency ratio | 49.6455% | 4,961 |
| Assets per employee ($millions) | 6.1955% | 1,353 |
| Cash dividends to net income (ytd only)* | 5.2220% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 4,566 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 4,899 |
| Noncurrent loans to loans | 0.0325% | 4,749 |
| Net loans and leases to total assets | 60.0350% | 3,839 |
| Net loans and leases to deposits | 66.6592% | 4,153 |
| Net loans and leases to core deposits | 75.0518% | 3,874 |
| Total domestic deposits to total assets | 90.0626% | 491 |
| Equity capital to assets | 9.6680% | 3,940 |
| Core capital (leverage) ratio | 9.4784% | 4,200 |
| Tier 1 risk-based capital ratio | 14.5021% | 3,127 |
| Total risk-based capital ratio | 15.5292% | 3,143 |
| Memoranda: | ||
| Average total assets | $335,826,500 | 1,972 |
| Average earning assets | $319,442,750 | 1,939 |
| Average equity | $33,703,500 | 2,132 |
| Average total loans | $215,739,250 | 2,065 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8622% | 4,185 |
| Cost of funding earning assets | 0.3484% | 4,082 |
| Net interest margin | 3.5138% | 3,587 |
| Noninterest income to average assets | 0.2737% | 4,359 |
| Noninterest expense to average assets | 1.8440% | 5,043 |
| Loan and lease loss provision to assets | 0.0380% | 3,146 |
| Net operating income to assets | 1.2813% | 1,852 |
| Return on assets (ROA) | 1.2813% | 1,857 |
| Pretax return on assets | 1.7213% | 1,163 |
| Return on Equity (ROE) | 12.5942% | 1,508 |
| Retained earnings to average equity (ytd only) | 11.5447% | 582 |
| Net charge-offs to loans | -0.0112% | 4,355 |
| Credit loss provision to net charge-offs | -516.6667% | 4,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1751% | 4,955 |
| Assets per employee ($millions) | 5.5705% | 1,823 |
| Cash dividends to net income (ytd only)* | 8.3333% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 4,679 |
| Loan loss allowance to noncurrent loans | 2,312.9870% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,917 |
| Noncurrent loans to loans | 0.0347% | 4,759 |
| Net loans and leases to total assets | 64.7250% | 3,317 |
| Net loans and leases to deposits | 72.1583% | 3,704 |
| Net loans and leases to core deposits | 80.9899% | 3,320 |
| Total domestic deposits to total assets | 89.6987% | 665 |
| Equity capital to assets | 10.0255% | 3,600 |
| Core capital (leverage) ratio | 10.1629% | 3,403 |
| Tier 1 risk-based capital ratio | 14.3484% | 3,182 |
| Total risk-based capital ratio | 15.3868% | 3,210 |
| Memoranda: | ||
| Average total assets | $325,923,000 | 2,026 |
| Average earning assets | $308,837,670 | 1,993 |
| Average equity | $33,158,000 | 2,161 |
| Average total loans | $213,902,330 | 2,079 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 4,101 |
| Cost of funding earning assets | 0.3445% | 4,030 |
| Net interest margin | 3.4993% | 3,538 |
| Noninterest income to average assets | 0.2521% | 4,499 |
| Noninterest expense to average assets | 1.8935% | 5,029 |
| Loan and lease loss provision to assets | 0.0025% | 3,488 |
| Net operating income to assets | 1.2402% | 1,848 |
| Return on assets (ROA) | 1.2402% | 1,857 |
| Pretax return on assets | 1.6678% | 1,198 |
| Return on Equity (ROE) | 12.0966% | 1,549 |
| Retained earnings to average equity (ytd only) | 12.0966% | 669 |
| Net charge-offs to loans | -0.0210% | 4,585 |
| Credit loss provision to net charge-offs | -18.1818% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1316% | 4,870 |
| Assets per employee ($millions) | 5.5279% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8147% | 4,748 |
| Loan loss allowance to noncurrent loans | 3,909.0909% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 5,057 |
| Noncurrent loans to loans | 0.0208% | 4,894 |
| Net loans and leases to total assets | 65.3136% | 3,135 |
| Net loans and leases to deposits | 73.1782% | 3,498 |
| Net loans and leases to core deposits | 83.2231% | 3,036 |
| Total domestic deposits to total assets | 89.2529% | 983 |
| Equity capital to assets | 10.3476% | 3,223 |
| Core capital (leverage) ratio | 10.2330% | 3,262 |
| Tier 1 risk-based capital ratio | 14.4543% | 3,141 |
| Total risk-based capital ratio | 15.5134% | 3,165 |
| Memoranda: | ||
| Average total assets | $318,983,500 | 2,082 |
| Average earning assets | $301,890,000 | 2,046 |
| Average equity | $32,703,500 | 2,194 |
| Average total loans | $209,994,500 | 2,114 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7474% | 4,223 |
| Cost of funding earning assets | 0.3125% | 4,019 |
| Net interest margin | 3.4349% | 3,734 |
| Noninterest income to average assets | 0.2910% | 4,381 |
| Noninterest expense to average assets | 1.9161% | 5,094 |
| Loan and lease loss provision to assets | 0.0649% | 2,919 |
| Net operating income to assets | 0.9911% | 2,290 |
| Return on assets (ROA) | 0.9895% | 2,328 |
| Pretax return on assets | 1.5379% | 1,495 |
| Return on Equity (ROE) | 9.9067% | 1,927 |
| Retained earnings to average equity (ytd only) | 8.1521% | 709 |
| Net charge-offs to loans | -0.0242% | 5,007 |
| Credit loss provision to net charge-offs | -434.0426% | 4,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4124% | 4,917 |
| Assets per employee ($millions) | 5.5676% | 1,870 |
| Cash dividends to net income (ytd only)* | 17.7113% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8173% | 4,776 |
| Loan loss allowance to noncurrent loans | 3,879.5455% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 5,090 |
| Noncurrent loans to loans | 0.0211% | 4,922 |
| Net loans and leases to total assets | 65.2766% | 3,187 |
| Net loans and leases to deposits | 73.0567% | 3,593 |
| Net loans and leases to core deposits | 81.4427% | 3,292 |
| Total domestic deposits to total assets | 89.3506% | 849 |
| Equity capital to assets | 10.1563% | 3,531 |
| Core capital (leverage) ratio | 9.4926% | 4,062 |
| Tier 1 risk-based capital ratio | 14.3183% | 3,191 |
| Total risk-based capital ratio | 15.4067% | 3,182 |
| Memoranda: | ||
| Average total assets | $314,396,600 | 2,093 |
| Average earning assets | $295,669,000 | 2,066 |
| Average equity | $31,403,000 | 2,263 |
| Average total loans | $193,990,400 | 2,210 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6885% | 4,351 |
| Cost of funding earning assets | 0.3072% | 4,059 |
| Net interest margin | 3.3813% | 3,914 |
| Noninterest income to average assets | 0.2942% | 4,429 |
| Noninterest expense to average assets | 1.8457% | 5,211 |
| Loan and lease loss provision to assets | 0.0234% | 3,678 |
| Net operating income to assets | 1.0062% | 2,526 |
| Return on assets (ROA) | 1.0062% | 2,565 |
| Pretax return on assets | 1.6017% | 1,416 |
| Return on Equity (ROE) | 10.1164% | 2,078 |
| Retained earnings to average equity (ytd only) | 9.5095% | 704 |
| Net charge-offs to loans | -0.0259% | 4,940 |
| Credit loss provision to net charge-offs | -148.6486% | 4,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1782% | 4,994 |
| Assets per employee ($millions) | 5.7295% | 1,698 |
| Cash dividends to net income (ytd only)* | 5.9992% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7841% | 4,933 |
| Loan loss allowance to noncurrent loans | 789.7959% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 4,946 |
| Noncurrent loans to loans | 0.0993% | 4,665 |
| Net loans and leases to total assets | 57.9421% | 4,064 |
| Net loans and leases to deposits | 64.2971% | 4,358 |
| Net loans and leases to core deposits | 71.4804% | 4,159 |
| Total domestic deposits to total assets | 90.1162% | 438 |
| Equity capital to assets | 9.5655% | 4,383 |
| Core capital (leverage) ratio | 9.3655% | 4,331 |
| Tier 1 risk-based capital ratio | 14.9883% | 2,923 |
| Total risk-based capital ratio | 15.9913% | 2,974 |
| Memoranda: | ||
| Average total assets | $313,658,000 | 2,112 |
| Average earning assets | $294,673,750 | 2,081 |
| Average equity | $31,196,000 | 2,292 |
| Average total loans | $190,272,250 | 2,252 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6870% | 4,266 |
| Cost of funding earning assets | 0.3103% | 3,971 |
| Net interest margin | 3.3767% | 3,850 |
| Noninterest income to average assets | 0.2605% | 4,668 |
| Noninterest expense to average assets | 1.9167% | 5,160 |
| Loan and lease loss provision to assets | 0.0275% | 3,453 |
| Net operating income to assets | 0.9400% | 2,720 |
| Return on assets (ROA) | 0.9400% | 2,778 |
| Pretax return on assets | 1.4866% | 1,699 |
| Return on Equity (ROE) | 9.3197% | 2,348 |
| Retained earnings to average equity (ytd only) | 8.3981% | 1,033 |
| Net charge-offs to loans | -0.0255% | 4,879 |
| Credit loss provision to net charge-offs | -175.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8672% | 4,845 |
| Assets per employee ($millions) | 5.5570% | 1,824 |
| Cash dividends to net income (ytd only)* | 9.8886% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7669% | 5,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 62.1738% | 3,615 |
| Net loans and leases to deposits | 69.2620% | 3,963 |
| Net loans and leases to core deposits | 77.7297% | 3,619 |
| Total domestic deposits to total assets | 89.7661% | 615 |
| Equity capital to assets | 9.9072% | 4,024 |
| Core capital (leverage) ratio | 10.0921% | 3,416 |
| Tier 1 risk-based capital ratio | 14.7311% | 3,046 |
| Total risk-based capital ratio | 15.7262% | 3,103 |
| Memoranda: | ||
| Average total assets | $305,531,000 | 2,159 |
| Average earning assets | $286,847,330 | 2,131 |
| Average equity | $30,816,330 | 2,310 |
| Average total loans | $187,891,330 | 2,275 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6009% | 4,419 |
| Cost of funding earning assets | 0.3108% | 3,933 |
| Net interest margin | 3.2901% | 4,043 |
| Noninterest income to average assets | 0.2441% | 4,781 |
| Noninterest expense to average assets | 1.9979% | 5,058 |
| Loan and lease loss provision to assets | 0.0333% | 3,119 |
| Net operating income to assets | 0.8429% | 3,023 |
| Return on assets (ROA) | 0.8429% | 3,072 |
| Pretax return on assets | 1.3190% | 2,171 |
| Return on Equity (ROE) | 8.2793% | 2,775 |
| Retained earnings to average equity (ytd only) | 8.2793% | 1,347 |
| Net charge-offs to loans | -0.0219% | 4,789 |
| Credit loss provision to net charge-offs | -250.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6338% | 4,506 |
| Assets per employee ($millions) | 5.3394% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 5,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 62.3502% | 3,485 |
| Net loans and leases to deposits | 69.8326% | 3,817 |
| Net loans and leases to core deposits | 79.4629% | 3,342 |
| Total domestic deposits to total assets | 89.2852% | 1,012 |
| Equity capital to assets | 10.3168% | 3,390 |
| Core capital (leverage) ratio | 10.1009% | 3,374 |
| Tier 1 risk-based capital ratio | 14.9958% | 2,964 |
| Total risk-based capital ratio | 16.0280% | 2,998 |
| Memoranda: | ||
| Average total assets | $299,921,000 | 2,211 |
| Average earning assets | $283,150,500 | 2,177 |
| Average equity | $30,534,000 | 2,336 |
| Average total loans | $182,608,000 | 2,341 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5315% | 4,694 |
| Cost of funding earning assets | 0.3205% | 3,843 |
| Net interest margin | 3.2110% | 4,415 |
| Noninterest income to average assets | 0.2705% | 4,797 |
| Noninterest expense to average assets | 1.9208% | 5,332 |
| Loan and lease loss provision to assets | 0.0199% | 3,971 |
| Net operating income to assets | 0.8588% | 3,035 |
| Return on assets (ROA) | 0.8588% | 3,142 |
| Pretax return on assets | 1.3450% | 2,116 |
| Return on Equity (ROE) | 8.8762% | 2,484 |
| Retained earnings to average equity (ytd only) | 7.0229% | 1,219 |
| Net charge-offs to loans | -0.0221% | 5,155 |
| Credit loss provision to net charge-offs | -162.1622% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4586% | 4,797 |
| Assets per employee ($millions) | 5.4697% | 1,886 |
| Cash dividends to net income (ytd only)* | 20.8800% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 5,046 |
| Loan loss allowance to noncurrent loans | 6,618.1818% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 5,387 |
| Noncurrent loans to loans | 0.0124% | 5,233 |
| Net loans and leases to total assets | 58.4498% | 4,025 |
| Net loans and leases to deposits | 65.3720% | 4,302 |
| Net loans and leases to core deposits | 74.0972% | 3,915 |
| Total domestic deposits to total assets | 89.4111% | 894 |
| Equity capital to assets | 10.0454% | 3,678 |
| Core capital (leverage) ratio | 9.2308% | 4,435 |
| Tier 1 risk-based capital ratio | 15.3287% | 2,831 |
| Total risk-based capital ratio | 16.3894% | 2,836 |
| Memoranda: | ||
| Average total assets | $301,700,600 | 2,156 |
| Average earning assets | $283,305,600 | 2,135 |
| Average equity | $29,190,400 | 2,435 |
| Average total loans | $167,774,400 | 2,435 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4981% | 4,806 |
| Cost of funding earning assets | 0.3180% | 3,896 |
| Net interest margin | 3.1801% | 4,537 |
| Noninterest income to average assets | 0.2760% | 4,795 |
| Noninterest expense to average assets | 1.8194% | 5,495 |
| Loan and lease loss provision to assets | 0.0053% | 4,125 |
| Net operating income to assets | 0.9053% | 2,875 |
| Return on assets (ROA) | 0.9053% | 3,014 |
| Pretax return on assets | 1.4321% | 1,935 |
| Return on Equity (ROE) | 9.4469% | 2,293 |
| Retained earnings to average equity (ytd only) | 8.7925% | 880 |
| Net charge-offs to loans | -0.0185% | 4,979 |
| Credit loss provision to net charge-offs | -52.1739% | 4,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8644% | 5,077 |
| Assets per employee ($millions) | 6.0906% | 1,363 |
| Cash dividends to net income (ytd only)* | 6.9269% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 5,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 51.6872% | 4,677 |
| Net loans and leases to deposits | 57.0547% | 4,930 |
| Net loans and leases to core deposits | 64.2471% | 4,717 |
| Total domestic deposits to total assets | 90.5923% | 299 |
| Equity capital to assets | 9.1030% | 5,069 |
| Core capital (leverage) ratio | 9.0953% | 4,718 |
| Tier 1 risk-based capital ratio | 15.3322% | 2,902 |
| Total risk-based capital ratio | 16.3119% | 2,958 |
| Memoranda: | ||
| Average total assets | $301,917,250 | 2,163 |
| Average earning assets | $283,001,250 | 2,143 |
| Average equity | $28,933,000 | 2,465 |
| Average total loans | $165,394,750 | 2,466 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 4,731 |
| Cost of funding earning assets | 0.3185% | 3,914 |
| Net interest margin | 3.2345% | 4,426 |
| Noninterest income to average assets | 0.2390% | 5,054 |
| Noninterest expense to average assets | 1.8701% | 5,503 |
| Loan and lease loss provision to assets | 0.0061% | 3,941 |
| Net operating income to assets | 0.8937% | 2,891 |
| Return on assets (ROA) | 0.8937% | 3,016 |
| Pretax return on assets | 1.4065% | 2,002 |
| Return on Equity (ROE) | 9.1546% | 2,430 |
| Retained earnings to average equity (ytd only) | 8.1615% | 1,122 |
| Net charge-offs to loans | -0.0171% | 4,886 |
| Credit loss provision to net charge-offs | -64.2857% | 4,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9676% | 5,033 |
| Assets per employee ($millions) | 5.5547% | 1,736 |
| Cash dividends to net income (ytd only)* | 10.8480% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 5,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 55.8196% | 4,331 |
| Net loans and leases to deposits | 61.9308% | 4,657 |
| Net loans and leases to core deposits | 71.2165% | 4,235 |
| Total domestic deposits to total assets | 90.1323% | 437 |
| Equity capital to assets | 9.5348% | 4,730 |
| Core capital (leverage) ratio | 9.8660% | 3,728 |
| Tier 1 risk-based capital ratio | 15.5109% | 2,859 |
| Total risk-based capital ratio | 16.4935% | 2,906 |
| Memoranda: | ||
| Average total assets | $292,926,330 | 2,225 |
| Average earning assets | $275,654,670 | 2,201 |
| Average equity | $28,597,670 | 2,490 |
| Average total loans | $163,397,000 | 2,491 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5701% | 4,705 |
| Cost of funding earning assets | 0.3250% | 3,899 |
| Net interest margin | 3.2452% | 4,413 |
| Noninterest income to average assets | 0.2400% | 5,023 |
| Noninterest expense to average assets | 1.9439% | 5,446 |
| Loan and lease loss provision to assets | 0.0126% | 3,526 |
| Net operating income to assets | 0.8499% | 2,990 |
| Return on assets (ROA) | 0.8499% | 3,119 |
| Pretax return on assets | 1.3355% | 2,158 |
| Return on Equity (ROE) | 8.5982% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.5982% | 1,227 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0504% | 4,866 |
| Assets per employee ($millions) | 5.5177% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8392% | 5,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 5,329 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 56.3395% | 4,214 |
| Net loans and leases to deposits | 62.8925% | 4,515 |
| Net loans and leases to core deposits | 72.7838% | 4,000 |
| Total domestic deposits to total assets | 89.5808% | 796 |
| Equity capital to assets | 9.9756% | 4,106 |
| Core capital (leverage) ratio | 9.9568% | 3,589 |
| Tier 1 risk-based capital ratio | 15.8884% | 2,742 |
| Total risk-based capital ratio | 16.9280% | 2,762 |
| Memoranda: | ||
| Average total assets | $286,634,000 | 2,265 |
| Average earning assets | $269,570,000 | 2,246 |
| Average equity | $28,331,500 | 2,503 |
| Average total loans | $159,137,000 | 2,538 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4785% | 4,979 |
| Cost of funding earning assets | 0.3238% | 3,976 |
| Net interest margin | 3.1547% | 4,765 |
| Noninterest income to average assets | 0.3281% | 4,553 |
| Noninterest expense to average assets | 2.0508% | 5,352 |
| Loan and lease loss provision to assets | -0.0030% | 5,600 |
| Net operating income to assets | 0.8026% | 3,325 |
| Return on assets (ROA) | 0.8026% | 3,411 |
| Pretax return on assets | 1.2685% | 2,405 |
| Return on Equity (ROE) | 7.9050% | 3,004 |
| Retained earnings to average equity (ytd only) | 5.9506% | 1,822 |
| Net charge-offs to loans | 0.0484% | 3,234 |
| Credit loss provision to net charge-offs | -11.2676% | 4,952 |
| Earnings coverage of net charge-offs (x) | 48.2394% | 1,029 |
| Efficiency ratio | 61.8384% | 4,636 |
| Assets per employee ($millions) | 5.5067% | 1,797 |
| Cash dividends to net income (ytd only)* | 24.7238% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 5,180 |
| Loan loss allowance to noncurrent loans | 1,677.7778% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 5,221 |
| Noncurrent loans to loans | 0.0522% | 5,303 |
| Net loans and leases to total assets | 53.7449% | 4,534 |
| Net loans and leases to deposits | 59.9570% | 4,784 |
| Net loans and leases to core deposits | 72.1918% | 4,115 |
| Total domestic deposits to total assets | 89.6391% | 783 |
| Equity capital to assets | 9.7927% | 4,199 |
| Core capital (leverage) ratio | 9.2724% | 4,512 |
| Tier 1 risk-based capital ratio | 15.8681% | 2,747 |
| Total risk-based capital ratio | 16.9363% | 2,773 |
| Memoranda: | ||
| Average total assets | $270,628,000 | 2,340 |
| Average earning assets | $256,346,200 | 2,294 |
| Average equity | $27,476,200 | 2,505 |
| Average total loans | $146,706,200 | 2,642 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4877% | 5,007 |
| Cost of funding earning assets | 0.3197% | 4,107 |
| Net interest margin | 3.1680% | 4,779 |
| Noninterest income to average assets | 0.3425% | 4,486 |
| Noninterest expense to average assets | 2.0602% | 5,363 |
| Loan and lease loss provision to assets | -0.0040% | 5,795 |
| Net operating income to assets | 0.8124% | 3,374 |
| Return on assets (ROA) | 0.8124% | 3,462 |
| Pretax return on assets | 1.2883% | 2,438 |
| Return on Equity (ROE) | 7.9261% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.2286% | 1,587 |
| Net charge-offs to loans | 0.1014% | 2,129 |
| Credit loss provision to net charge-offs | -7.2727% | 4,841 |
| Earnings coverage of net charge-offs (x) | 23.3550% | 1,737 |
| Efficiency ratio | 61.5994% | 4,627 |
| Assets per employee ($millions) | 6.0402% | 1,346 |
| Cash dividends to net income (ytd only)* | 8.7999% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9270% | 5,085 |
| Loan loss allowance to noncurrent loans | 466.4311% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 5,115 |
| Noncurrent loans to loans | 0.1988% | 4,849 |
| Net loans and leases to total assets | 46.7094% | 5,174 |
| Net loans and leases to deposits | 51.6778% | 5,386 |
| Net loans and leases to core deposits | 61.2415% | 4,985 |
| Total domestic deposits to total assets | 90.3858% | 432 |
| Equity capital to assets | 9.2463% | 5,061 |
| Core capital (leverage) ratio | 9.4255% | 4,391 |
| Tier 1 risk-based capital ratio | 16.9861% | 2,383 |
| Total risk-based capital ratio | 18.1110% | 2,382 |
| Memoranda: | ||
| Average total assets | $266,698,250 | 2,388 |
| Average earning assets | $252,730,500 | 2,337 |
| Average equity | $27,335,000 | 2,529 |
| Average total loans | $144,568,750 | 2,685 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6469% | 4,584 |
| Cost of funding earning assets | 0.3256% | 4,094 |
| Net interest margin | 3.3214% | 4,208 |
| Noninterest income to average assets | 0.3303% | 4,594 |
| Noninterest expense to average assets | 2.1339% | 5,266 |
| Loan and lease loss provision to assets | -0.0063% | 5,952 |
| Net operating income to assets | 0.8387% | 3,176 |
| Return on assets (ROA) | 0.8387% | 3,290 |
| Pretax return on assets | 1.3400% | 2,207 |
| Return on Equity (ROE) | 7.8782% | 3,124 |
| Retained earnings to average equity (ytd only) | 6.8243% | 1,783 |
| Net charge-offs to loans | 0.1555% | 1,545 |
| Credit loss provision to net charge-offs | -7.0796% | 4,682 |
| Earnings coverage of net charge-offs (x) | 15.0442% | 2,005 |
| Efficiency ratio | 61.5385% | 4,749 |
| Assets per employee ($millions) | 5.0060% | 2,268 |
| Cash dividends to net income (ytd only)* | 13.3770% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 5,317 |
| Loan loss allowance to noncurrent loans | 849.6774% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 5,291 |
| Noncurrent loans to loans | 0.1053% | 5,323 |
| Net loans and leases to total assets | 53.9556% | 4,562 |
| Net loans and leases to deposits | 60.3407% | 4,824 |
| Net loans and leases to core deposits | 68.2139% | 4,471 |
| Total domestic deposits to total assets | 89.4183% | 941 |
| Equity capital to assets | 10.1748% | 3,834 |
| Core capital (leverage) ratio | 10.4900% | 2,976 |
| Tier 1 risk-based capital ratio | 17.2204% | 2,318 |
| Total risk-based capital ratio | 18.4477% | 2,277 |
| Memoranda: | ||
| Average total assets | $254,927,000 | 2,500 |
| Average earning assets | $240,805,000 | 2,454 |
| Average equity | $27,138,330 | 2,558 |
| Average total loans | $145,295,670 | 2,677 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7153% | 4,311 |
| Cost of funding earning assets | 0.3273% | 4,132 |
| Net interest margin | 3.3880% | 3,894 |
| Noninterest income to average assets | 0.3042% | 4,752 |
| Noninterest expense to average assets | 2.1470% | 5,281 |
| Loan and lease loss provision to assets | 0.0049% | 3,645 |
| Net operating income to assets | 0.8575% | 2,975 |
| Return on assets (ROA) | 0.8575% | 3,093 |
| Pretax return on assets | 1.3510% | 2,067 |
| Return on Equity (ROE) | 7.8650% | 3,026 |
| Retained earnings to average equity (ytd only) | 7.8650% | 1,620 |
| Net charge-offs to loans | 0.0055% | 3,130 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 419.0000% | 127 |
| Efficiency ratio | 61.2933% | 4,917 |
| Assets per employee ($millions) | 4.8922% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 5,126 |
| Loan loss allowance to noncurrent loans | 292.4797% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 5,166 |
| Noncurrent loans to loans | 0.3357% | 4,585 |
| Net loans and leases to total assets | 58.1712% | 3,922 |
| Net loans and leases to deposits | 65.6931% | 4,182 |
| Net loans and leases to core deposits | 73.5052% | 3,827 |
| Total domestic deposits to total assets | 88.5500% | 1,523 |
| Equity capital to assets | 10.8933% | 3,099 |
| Core capital (leverage) ratio | 10.8635% | 2,559 |
| Tier 1 risk-based capital ratio | 17.6666% | 2,246 |
| Total risk-based capital ratio | 18.9795% | 2,190 |
| Memoranda: | ||
| Average total assets | $247,228,500 | 2,583 |
| Average earning assets | $233,415,000 | 2,527 |
| Average equity | $26,955,000 | 2,587 |
| Average total loans | $144,357,500 | 2,701 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8432% | 4,344 |
| Cost of funding earning assets | 0.3112% | 4,667 |
| Net interest margin | 3.5320% | 3,676 |
| Noninterest income to average assets | 0.3588% | 4,532 |
| Noninterest expense to average assets | 2.2483% | 5,249 |
| Loan and lease loss provision to assets | 0.0333% | 3,927 |
| Net operating income to assets | 0.8876% | 2,938 |
| Return on assets (ROA) | 0.8876% | 3,018 |
| Pretax return on assets | 1.4130% | 1,842 |
| Return on Equity (ROE) | 8.0716% | 3,091 |
| Retained earnings to average equity (ytd only) | 6.0202% | 1,916 |
| Net charge-offs to loans | -0.0057% | 5,477 |
| Credit loss provision to net charge-offs | -987.5000% | 5,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8537% | 5,098 |
| Assets per employee ($millions) | 4.8030% | 2,585 |
| Cash dividends to net income (ytd only)* | 25.4157% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 4,981 |
| Loan loss allowance to noncurrent loans | 314.6608% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 5,281 |
| Noncurrent loans to loans | 0.3215% | 4,692 |
| Net loans and leases to total assets | 57.4389% | 4,128 |
| Net loans and leases to deposits | 64.9727% | 4,429 |
| Net loans and leases to core deposits | 73.8721% | 3,928 |
| Total domestic deposits to total assets | 88.4048% | 1,563 |
| Equity capital to assets | 10.9127% | 2,994 |
| Core capital (leverage) ratio | 10.4530% | 2,999 |
| Tier 1 risk-based capital ratio | 17.9230% | 2,164 |
| Total risk-based capital ratio | 19.2946% | 2,087 |
| Memoranda: | ||
| Average total assets | $237,153,000 | 2,638 |
| Average earning assets | $223,981,400 | 2,588 |
| Average equity | $26,079,000 | 2,561 |
| Average total loans | $140,104,000 | 2,715 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 4,303 |
| Cost of funding earning assets | 0.3038% | 4,854 |
| Net interest margin | 3.5611% | 3,591 |
| Noninterest income to average assets | 0.3713% | 4,455 |
| Noninterest expense to average assets | 2.1972% | 5,357 |
| Loan and lease loss provision to assets | 0.0442% | 3,513 |
| Net operating income to assets | 0.9348% | 2,755 |
| Return on assets (ROA) | 0.9348% | 2,844 |
| Pretax return on assets | 1.4920% | 1,668 |
| Return on Equity (ROE) | 8.4836% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.7428% | 1,467 |
| Net charge-offs to loans | -0.0105% | 5,439 |
| Credit loss provision to net charge-offs | -709.0909% | 5,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8521% | 5,327 |
| Assets per employee ($millions) | 4.7471% | 2,598 |
| Cash dividends to net income (ytd only)* | 8.7328% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 5,049 |
| Loan loss allowance to noncurrent loans | 660.5505% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 5,824 |
| Noncurrent loans to loans | 0.1567% | 5,437 |
| Net loans and leases to total assets | 53.7259% | 4,607 |
| Net loans and leases to deposits | 60.3051% | 4,911 |
| Net loans and leases to core deposits | 68.9284% | 4,423 |
| Total domestic deposits to total assets | 89.0901% | 1,184 |
| Equity capital to assets | 10.4180% | 3,659 |
| Core capital (leverage) ratio | 10.2211% | 3,384 |
| Tier 1 risk-based capital ratio | 18.4992% | 2,051 |
| Total risk-based capital ratio | 19.9138% | 1,969 |
| Memoranda: | ||
| Average total assets | $235,202,750 | 2,672 |
| Average earning assets | $222,063,500 | 2,615 |
| Average equity | $25,916,000 | 2,587 |
| Average total loans | $139,595,750 | 2,736 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 3,761 |
| Cost of funding earning assets | 0.3014% | 4,955 |
| Net interest margin | 3.6887% | 3,006 |
| Noninterest income to average assets | 0.3436% | 4,670 |
| Noninterest expense to average assets | 2.2756% | 5,215 |
| Loan and lease loss provision to assets | 0.0666% | 2,936 |
| Net operating income to assets | 0.9239% | 2,686 |
| Return on assets (ROA) | 0.9239% | 2,787 |
| Pretax return on assets | 1.4771% | 1,607 |
| Return on Equity (ROE) | 8.2175% | 2,978 |
| Retained earnings to average equity (ytd only) | 7.0948% | 1,722 |
| Net charge-offs to loans | -0.0072% | 5,243 |
| Credit loss provision to net charge-offs | -1,520.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5823% | 5,355 |
| Assets per employee ($millions) | 4.4621% | 2,983 |
| Cash dividends to net income (ytd only)* | 13.6622% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 5,317 |
| Loan loss allowance to noncurrent loans | 642.1525% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 5,879 |
| Noncurrent loans to loans | 0.1567% | 5,542 |
| Net loans and leases to total assets | 58.4605% | 3,928 |
| Net loans and leases to deposits | 65.9341% | 4,275 |
| Net loans and leases to core deposits | 76.7616% | 3,554 |
| Total domestic deposits to total assets | 88.6651% | 1,559 |
| Equity capital to assets | 10.8390% | 3,040 |
| Core capital (leverage) ratio | 11.2484% | 2,199 |
| Tier 1 risk-based capital ratio | 17.9152% | 2,274 |
| Total risk-based capital ratio | 19.3152% | 2,188 |
| Memoranda: | ||
| Average total assets | $228,155,670 | 2,745 |
| Average earning assets | $214,978,000 | 2,686 |
| Average equity | $25,652,670 | 2,600 |
| Average total loans | $139,740,000 | 2,735 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0547% | 3,451 |
| Cost of funding earning assets | 0.3078% | 4,990 |
| Net interest margin | 3.7469% | 2,693 |
| Noninterest income to average assets | 0.3355% | 4,693 |
| Noninterest expense to average assets | 2.3070% | 5,172 |
| Loan and lease loss provision to assets | 0.0325% | 3,397 |
| Net operating income to assets | 0.9650% | 2,337 |
| Return on assets (ROA) | 0.9650% | 2,407 |
| Pretax return on assets | 1.5314% | 1,337 |
| Return on Equity (ROE) | 8.4184% | 2,728 |
| Retained earnings to average equity (ytd only) | 8.4184% | 1,451 |
| Net charge-offs to loans | -0.0173% | 5,287 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5993% | 5,452 |
| Assets per employee ($millions) | 4.3012% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 5,557 |
| Loan loss allowance to noncurrent loans | 1,127.0492% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 6,109 |
| Noncurrent loans to loans | 0.0881% | 5,867 |
| Net loans and leases to total assets | 62.5333% | 3,150 |
| Net loans and leases to deposits | 71.3484% | 3,426 |
| Net loans and leases to core deposits | 80.9672% | 2,854 |
| Total domestic deposits to total assets | 87.6450% | 2,430 |
| Equity capital to assets | 11.7113% | 2,097 |
| Core capital (leverage) ratio | 11.3516% | 2,092 |
| Tier 1 risk-based capital ratio | 18.0702% | 2,268 |
| Total risk-based capital ratio | 19.4341% | 2,183 |
| Memoranda: | ||
| Average total assets | $221,756,500 | 2,811 |
| Average earning assets | $209,241,000 | 2,757 |
| Average equity | $25,420,500 | 2,608 |
| Average total loans | $138,462,500 | 2,757 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 3,958 |
| Cost of funding earning assets | 0.3639% | 5,012 |
| Net interest margin | 3.6734% | 3,161 |
| Noninterest income to average assets | 0.3609% | 4,723 |
| Noninterest expense to average assets | 2.2983% | 5,390 |
| Loan and lease loss provision to assets | 0.0054% | 5,021 |
| Net operating income to assets | 0.9498% | 2,567 |
| Return on assets (ROA) | 0.9498% | 2,641 |
| Pretax return on assets | 1.5248% | 1,365 |
| Return on Equity (ROE) | 8.7502% | 2,673 |
| Retained earnings to average equity (ytd only) | 6.5966% | 1,630 |
| Net charge-offs to loans | -0.0584% | 6,363 |
| Credit loss provision to net charge-offs | -15.1899% | 5,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0326% | 5,469 |
| Assets per employee ($millions) | 4.3952% | 3,097 |
| Cash dividends to net income (ytd only)* | 24.6125% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 5,679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 61.1306% | 3,512 |
| Net loans and leases to deposits | 69.4442% | 3,850 |
| Net loans and leases to core deposits | 80.4582% | 3,072 |
| Total domestic deposits to total assets | 88.0283% | 2,159 |
| Equity capital to assets | 11.2205% | 2,410 |
| Core capital (leverage) ratio | 10.7101% | 2,667 |
| Tier 1 risk-based capital ratio | 17.6363% | 2,363 |
| Total risk-based capital ratio | 18.9771% | 2,312 |
| Memoranda: | ||
| Average total assets | $224,161,200 | 2,771 |
| Average earning assets | $211,599,600 | 2,708 |
| Average equity | $24,330,800 | 2,703 |
| Average total loans | $135,353,600 | 2,770 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 4,152 |
| Cost of funding earning assets | 0.3758% | 5,040 |
| Net interest margin | 3.6181% | 3,371 |
| Noninterest income to average assets | 0.3628% | 4,794 |
| Noninterest expense to average assets | 2.2186% | 5,560 |
| Loan and lease loss provision to assets | 0.0042% | 4,876 |
| Net operating income to assets | 0.9683% | 2,507 |
| Return on assets (ROA) | 0.9683% | 2,608 |
| Pretax return on assets | 1.5583% | 1,450 |
| Return on Equity (ROE) | 8.9971% | 2,635 |
| Retained earnings to average equity (ytd only) | 8.2013% | 1,336 |
| Net charge-offs to loans | -0.0812% | 6,448 |
| Credit loss provision to net charge-offs | -8.5366% | 5,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6755% | 5,603 |
| Assets per employee ($millions) | 4.4139% | 3,030 |
| Cash dividends to net income (ytd only)* | 8.8454% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 5,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 6,387 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 56.2288% | 4,286 |
| Net loans and leases to deposits | 63.1499% | 4,612 |
| Net loans and leases to core deposits | 72.1322% | 4,073 |
| Total domestic deposits to total assets | 89.0402% | 1,534 |
| Equity capital to assets | 10.4719% | 3,309 |
| Core capital (leverage) ratio | 10.1331% | 3,485 |
| Tier 1 risk-based capital ratio | 17.8041% | 2,401 |
| Total risk-based capital ratio | 19.1249% | 2,331 |
| Memoranda: | ||
| Average total assets | $224,163,250 | 2,794 |
| Average earning assets | $211,784,250 | 2,715 |
| Average equity | $24,125,750 | 2,749 |
| Average total loans | $134,597,750 | 2,791 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0579% | 3,886 |
| Cost of funding earning assets | 0.4002% | 4,946 |
| Net interest margin | 3.6577% | 3,145 |
| Noninterest income to average assets | 0.3372% | 4,980 |
| Noninterest expense to average assets | 2.2522% | 5,494 |
| Loan and lease loss provision to assets | 0.0055% | 4,724 |
| Net operating income to assets | 0.9479% | 2,580 |
| Return on assets (ROA) | 0.9479% | 2,726 |
| Pretax return on assets | 1.5285% | 1,539 |
| Return on Equity (ROE) | 8.7220% | 2,750 |
| Retained earnings to average equity (ytd only) | 7.5144% | 1,664 |
| Net charge-offs to loans | -0.1191% | 6,545 |
| Credit loss provision to net charge-offs | -7.5000% | 5,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4848% | 5,543 |
| Assets per employee ($millions) | 4.2350% | 3,281 |
| Cash dividends to net income (ytd only)* | 13.8462% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 5,898 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 6,426 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 58.4501% | 3,916 |
| Net loans and leases to deposits | 65.6013% | 4,315 |
| Net loans and leases to core deposits | 77.4242% | 3,367 |
| Total domestic deposits to total assets | 89.0991% | 1,572 |
| Equity capital to assets | 10.4424% | 3,380 |
| Core capital (leverage) ratio | 10.8309% | 2,524 |
| Tier 1 risk-based capital ratio | 17.3606% | 2,569 |
| Total risk-based capital ratio | 18.6512% | 2,524 |
| Memoranda: | ||
| Average total assets | $219,433,330 | 2,850 |
| Average earning assets | $206,906,670 | 2,787 |
| Average equity | $23,847,670 | 2,787 |
| Average total loans | $134,339,670 | 2,800 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 3,855 |
| Cost of funding earning assets | 0.4236% | 4,880 |
| Net interest margin | 3.6444% | 3,090 |
| Noninterest income to average assets | 0.3178% | 5,152 |
| Noninterest expense to average assets | 2.3076% | 5,405 |
| Loan and lease loss provision to assets | 0.0113% | 4,309 |
| Net operating income to assets | 0.9159% | 2,580 |
| Return on assets (ROA) | 0.9159% | 2,727 |
| Pretax return on assets | 1.4613% | 1,680 |
| Return on Equity (ROE) | 8.2507% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.2507% | 1,660 |
| Net charge-offs to loans | 0.0060% | 4,040 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 391.5000% | 89 |
| Efficiency ratio | 61.0448% | 5,438 |
| Assets per employee ($millions) | 4.3383% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 6,180 |
| Loan loss allowance to noncurrent loans | 1,805.7143% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 6,503 |
| Noncurrent loans to loans | 0.0516% | 6,322 |
| Net loans and leases to total assets | 63.2571% | 2,841 |
| Net loans and leases to deposits | 71.7062% | 3,222 |
| Net loans and leases to core deposits | 84.4714% | 2,267 |
| Total domestic deposits to total assets | 88.2170% | 2,184 |
| Equity capital to assets | 11.2157% | 2,720 |
| Core capital (leverage) ratio | 11.1651% | 2,120 |
| Tier 1 risk-based capital ratio | 17.2169% | 2,672 |
| Total risk-based capital ratio | 18.4196% | 2,657 |
| Memoranda: | ||
| Average total assets | $212,687,500 | 2,955 |
| Average earning assets | $202,065,000 | 2,876 |
| Average equity | $23,610,000 | 2,845 |
| Average total loans | $132,764,000 | 2,845 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 4,526 |
| Cost of funding earning assets | 0.5710% | 4,631 |
| Net interest margin | 3.6446% | 3,904 |
| Noninterest income to average assets | 0.3722% | 4,816 |
| Noninterest expense to average assets | 2.4276% | 5,332 |
| Loan and lease loss provision to assets | -0.1566% | 6,953 |
| Net operating income to assets | 0.9448% | 2,581 |
| Return on assets (ROA) | 0.9448% | 2,829 |
| Pretax return on assets | 1.5228% | 1,612 |
| Return on Equity (ROE) | 8.5195% | 2,856 |
| Retained earnings to average equity (ytd only) | 6.2632% | 1,943 |
| Net charge-offs to loans | -0.1542% | 6,902 |
| Credit loss provision to net charge-offs | 168.0628% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9882% | 4,890 |
| Assets per employee ($millions) | 4.3428% | 3,270 |
| Cash dividends to net income (ytd only)* | 26.4843% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,064 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 6,569 |
| Noncurrent loans to loans | 0.0539% | 6,361 |
| Net loans and leases to total assets | 60.4019% | 3,533 |
| Net loans and leases to deposits | 68.3968% | 3,919 |
| Net loans and leases to core deposits | 82.3060% | 2,740 |
| Total domestic deposits to total assets | 88.3110% | 2,021 |
| Equity capital to assets | 10.9860% | 2,967 |
| Core capital (leverage) ratio | 10.5131% | 2,749 |
| Tier 1 risk-based capital ratio | 17.0889% | 2,607 |
| Total risk-based capital ratio | 18.3185% | 2,583 |
| Memoranda: | ||
| Average total assets | $205,016,200 | 2,983 |
| Average earning assets | $192,474,200 | 2,925 |
| Average equity | $22,736,000 | 2,878 |
| Average total loans | $123,859,800 | 3,006 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 4,667 |
| Cost of funding earning assets | 0.6006% | 4,643 |
| Net interest margin | 3.6437% | 4,037 |
| Noninterest income to average assets | 0.3716% | 4,859 |
| Noninterest expense to average assets | 2.4017% | 5,395 |
| Loan and lease loss provision to assets | -0.2114% | 7,093 |
| Net operating income to assets | 0.9954% | 2,534 |
| Return on assets (ROA) | 0.9954% | 2,756 |
| Pretax return on assets | 1.5948% | 1,590 |
| Return on Equity (ROE) | 8.9534% | 2,827 |
| Retained earnings to average equity (ytd only) | 8.1030% | 1,575 |
| Net charge-offs to loans | -0.3170% | 7,054 |
| Credit loss provision to net charge-offs | 110.6529% | 2,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4519% | 4,896 |
| Assets per employee ($millions) | 4.6805% | 2,628 |
| Cash dividends to net income (ytd only)* | 9.4989% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 5,793 |
| Loan loss allowance to noncurrent loans | 882.4675% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 6,564 |
| Noncurrent loans to loans | 0.1225% | 6,303 |
| Net loans and leases to total assets | 55.3519% | 4,544 |
| Net loans and leases to deposits | 62.0860% | 4,960 |
| Net loans and leases to core deposits | 74.5997% | 3,900 |
| Total domestic deposits to total assets | 89.1537% | 1,339 |
| Equity capital to assets | 10.3799% | 3,973 |
| Core capital (leverage) ratio | 10.3021% | 3,161 |
| Tier 1 risk-based capital ratio | 17.2142% | 2,644 |
| Total risk-based capital ratio | 18.5267% | 2,574 |
| Memoranda: | ||
| Average total assets | $203,070,750 | 3,040 |
| Average earning assets | $190,244,000 | 2,986 |
| Average equity | $22,575,500 | 2,925 |
| Average total loans | $122,376,250 | 3,071 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 4,312 |
| Cost of funding earning assets | 0.6193% | 4,728 |
| Net interest margin | 3.7495% | 3,591 |
| Noninterest income to average assets | 0.3604% | 4,956 |
| Noninterest expense to average assets | 2.4802% | 5,211 |
| Loan and lease loss provision to assets | -0.3288% | 7,186 |
| Net operating income to assets | 1.0680% | 2,170 |
| Return on assets (ROA) | 1.0680% | 2,400 |
| Pretax return on assets | 1.7144% | 1,219 |
| Return on Equity (ROE) | 9.3697% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.0798% | 1,609 |
| Net charge-offs to loans | -0.4783% | 7,123 |
| Credit loss provision to net charge-offs | 111.0345% | 2,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1574% | 4,872 |
| Assets per employee ($millions) | 3.8760% | 4,135 |
| Cash dividends to net income (ytd only)* | 13.7667% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 5,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 6,853 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 59.2984% | 3,943 |
| Net loans and leases to deposits | 66.9024% | 4,378 |
| Net loans and leases to core deposits | 80.2838% | 3,179 |
| Total domestic deposits to total assets | 88.6342% | 1,744 |
| Equity capital to assets | 10.9047% | 3,220 |
| Core capital (leverage) ratio | 11.2874% | 2,056 |
| Tier 1 risk-based capital ratio | 17.2233% | 2,575 |
| Total risk-based capital ratio | 18.5487% | 2,512 |
| Memoranda: | ||
| Average total assets | $195,872,330 | 3,137 |
| Average earning assets | $183,116,670 | 3,084 |
| Average equity | $22,327,330 | 2,945 |
| Average total loans | $121,263,000 | 3,109 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 4,075 |
| Cost of funding earning assets | 0.6177% | 4,983 |
| Net interest margin | 3.8410% | 3,181 |
| Noninterest income to average assets | 0.3362% | 5,169 |
| Noninterest expense to average assets | 2.5989% | 4,817 |
| Loan and lease loss provision to assets | 0.0021% | 5,238 |
| Net operating income to assets | 0.8585% | 3,115 |
| Return on assets (ROA) | 0.8585% | 3,348 |
| Pretax return on assets | 1.3513% | 2,357 |
| Return on Equity (ROE) | 7.3554% | 3,582 |
| Retained earnings to average equity (ytd only) | 7.3554% | 2,253 |
| Net charge-offs to loans | -1.4535% | 7,238 |
| Credit loss provision to net charge-offs | -0.2309% | 5,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7571% | 4,604 |
| Assets per employee ($millions) | 3.7346% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 4,083 |
| Loan loss allowance to noncurrent loans | 610.0334% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 6,493 |
| Noncurrent loans to loans | 0.2483% | 6,189 |
| Net loans and leases to total assets | 61.0813% | 3,430 |
| Net loans and leases to deposits | 69.4908% | 3,804 |
| Net loans and leases to core deposits | 83.2652% | 2,644 |
| Total domestic deposits to total assets | 87.8984% | 2,397 |
| Equity capital to assets | 11.5048% | 2,439 |
| Core capital (leverage) ratio | 11.8690% | 1,664 |
| Tier 1 risk-based capital ratio | 17.8297% | 2,348 |
| Total risk-based capital ratio | 19.3855% | 2,215 |
| Memoranda: | ||
| Average total assets | $189,156,500 | 3,248 |
| Average earning assets | $178,077,000 | 3,173 |
| Average equity | $22,079,000 | 2,973 |
| Average total loans | $119,158,500 | 3,170 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9444% | 3,131 |
| Cost of funding earning assets | 0.6864% | 5,625 |
| Net interest margin | 4.2580% | 1,845 |
| Noninterest income to average assets | 0.4953% | 3,881 |
| Noninterest expense to average assets | 3.0803% | 3,268 |
| Loan and lease loss provision to assets | 0.0035% | 6,472 |
| Net operating income to assets | 0.8537% | 2,803 |
| Return on assets (ROA) | 0.8537% | 2,958 |
| Pretax return on assets | 1.3770% | 1,852 |
| Return on Equity (ROE) | 6.8266% | 3,475 |
| Retained earnings to average equity (ytd only) | 4.4641% | 2,993 |
| Net charge-offs to loans | -0.0705% | 7,095 |
| Credit loss provision to net charge-offs | -7.2289% | 6,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0529% | 4,138 |
| Assets per employee ($millions) | 3.6101% | 4,748 |
| Cash dividends to net income (ytd only)* | 34.6075% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 5,493 |
| Loan loss allowance to noncurrent loans | 776.5363% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 6,686 |
| Noncurrent loans to loans | 0.1519% | 6,443 |
| Net loans and leases to total assets | 63.2672% | 3,338 |
| Net loans and leases to deposits | 72.3779% | 3,748 |
| Net loans and leases to core deposits | 84.0161% | 2,888 |
| Total domestic deposits to total assets | 87.4123% | 2,521 |
| Equity capital to assets | 11.8491% | 2,239 |
| Core capital (leverage) ratio | 11.3935% | 1,976 |
| Tier 1 risk-based capital ratio | 17.9571% | 2,202 |
| Total risk-based capital ratio | 19.3577% | 2,129 |
| Memoranda: | ||
| Average total assets | $171,605,200 | 3,462 |
| Average earning assets | $159,816,400 | 3,411 |
| Average equity | $21,460,200 | 2,956 |
| Average total loans | $117,663,400 | 3,223 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0727% | 2,745 |
| Cost of funding earning assets | 0.6999% | 5,764 |
| Net interest margin | 4.3728% | 1,482 |
| Noninterest income to average assets | 0.5389% | 3,589 |
| Noninterest expense to average assets | 3.1125% | 3,112 |
| Loan and lease loss provision to assets | 0.0024% | 6,383 |
| Net operating income to assets | 0.9077% | 2,711 |
| Return on assets (ROA) | 0.9077% | 2,849 |
| Pretax return on assets | 1.4783% | 1,709 |
| Return on Equity (ROE) | 7.1559% | 3,450 |
| Retained earnings to average equity (ytd only) | 6.2575% | 2,395 |
| Net charge-offs to loans | -0.0896% | 7,148 |
| Credit loss provision to net charge-offs | -3.7975% | 6,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7636% | 4,358 |
| Assets per employee ($millions) | 3.6835% | 4,566 |
| Cash dividends to net income (ytd only)* | 12.5548% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 5,498 |
| Loan loss allowance to noncurrent loans | 1,106.4000% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 6,864 |
| Noncurrent loans to loans | 0.1078% | 6,658 |
| Net loans and leases to total assets | 60.9893% | 3,946 |
| Net loans and leases to deposits | 69.4073% | 4,400 |
| Net loans and leases to core deposits | 80.3980% | 3,580 |
| Total domestic deposits to total assets | 87.8716% | 2,113 |
| Equity capital to assets | 11.6265% | 2,559 |
| Core capital (leverage) ratio | 11.4247% | 2,084 |
| Tier 1 risk-based capital ratio | 18.1185% | 2,210 |
| Total risk-based capital ratio | 19.5101% | 2,134 |
| Memoranda: | ||
| Average total assets | $168,477,500 | 3,545 |
| Average earning assets | $156,205,750 | 3,499 |
| Average equity | $21,371,250 | 2,959 |
| Average total loans | $117,610,500 | 3,249 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2266% | 2,161 |
| Cost of funding earning assets | 0.7029% | 5,943 |
| Net interest margin | 4.5237% | 1,073 |
| Noninterest income to average assets | 0.5864% | 3,218 |
| Noninterest expense to average assets | 3.3478% | 2,408 |
| Loan and lease loss provision to assets | 0.0037% | 6,197 |
| Net operating income to assets | 0.8876% | 2,697 |
| Return on assets (ROA) | 0.8876% | 2,800 |
| Pretax return on assets | 1.4455% | 1,679 |
| Return on Equity (ROE) | 6.7783% | 3,539 |
| Retained earnings to average equity (ytd only) | 5.4208% | 2,729 |
| Net charge-offs to loans | 0.1439% | 4,329 |
| Credit loss provision to net charge-offs | 3.5294% | 5,304 |
| Earnings coverage of net charge-offs (x) | 13.8118% | 1,520 |
| Efficiency ratio | 69.7890% | 4,155 |
| Assets per employee ($millions) | 3.4155% | 5,160 |
| Cash dividends to net income (ytd only)* | 20.0278% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 6,231 |
| Loan loss allowance to noncurrent loans | 1,934.9206% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 6,978 |
| Noncurrent loans to loans | 0.0531% | 6,852 |
| Net loans and leases to total assets | 67.4692% | 2,714 |
| Net loans and leases to deposits | 77.3880% | 3,235 |
| Net loans and leases to core deposits | 90.6005% | 2,301 |
| Total domestic deposits to total assets | 87.1831% | 2,635 |
| Equity capital to assets | 12.3513% | 1,870 |
| Core capital (leverage) ratio | 13.0577% | 1,137 |
| Tier 1 risk-based capital ratio | 17.8727% | 2,216 |
| Total risk-based capital ratio | 19.1988% | 2,141 |
| Memoranda: | ||
| Average total assets | $162,018,000 | 3,652 |
| Average earning assets | $150,806,670 | 3,615 |
| Average equity | $21,214,670 | 2,967 |
| Average total loans | $118,162,330 | 3,263 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3824% | 1,635 |
| Cost of funding earning assets | 0.7204% | 6,026 |
| Net interest margin | 4.6619% | 760 |
| Noninterest income to average assets | 0.6593% | 2,784 |
| Noninterest expense to average assets | 3.6170% | 1,733 |
| Loan and lease loss provision to assets | 0.0051% | 5,804 |
| Net operating income to assets | 0.8363% | 2,849 |
| Return on assets (ROA) | 0.8363% | 2,908 |
| Pretax return on assets | 1.3698% | 1,818 |
| Return on Equity (ROE) | 6.1905% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.1905% | 2,531 |
| Net charge-offs to loans | -0.3461% | 7,362 |
| Credit loss provision to net charge-offs | -1.9608% | 5,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4563% | 3,778 |
| Assets per employee ($millions) | 3.0901% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 5,761 |
| Loan loss allowance to noncurrent loans | 126.0090% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 5,492 |
| Noncurrent loans to loans | 0.9304% | 5,174 |
| Net loans and leases to total assets | 76.6538% | 936 |
| Net loans and leases to deposits | 89.4024% | 1,308 |
| Net loans and leases to core deposits | 101.4493% | 1,241 |
| Total domestic deposits to total assets | 85.7403% | 3,672 |
| Equity capital to assets | 13.7646% | 1,081 |
| Core capital (leverage) ratio | 13.3802% | 1,000 |
| Tier 1 risk-based capital ratio | 18.1970% | 2,054 |
| Total risk-based capital ratio | 19.7259% | 1,919 |
| Memoranda: | ||
| Average total assets | $155,931,000 | 3,773 |
| Average earning assets | $144,918,000 | 3,732 |
| Average equity | $21,064,500 | 2,977 |
| Average total loans | $117,871,000 | 3,291 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5625% | 2,042 |
| Cost of funding earning assets | 0.8103% | 6,524 |
| Net interest margin | 4.7521% | 729 |
| Noninterest income to average assets | 0.7192% | 2,718 |
| Noninterest expense to average assets | 3.5230% | 2,113 |
| Loan and lease loss provision to assets | 0.1771% | 5,453 |
| Net operating income to assets | 0.8679% | 2,521 |
| Return on assets (ROA) | 0.8679% | 2,655 |
| Pretax return on assets | 1.4177% | 1,611 |
| Return on Equity (ROE) | 6.5387% | 3,321 |
| Retained earnings to average equity (ytd only) | 4.1085% | 2,979 |
| Net charge-offs to loans | 0.1866% | 5,185 |
| Credit loss provision to net charge-offs | 125.5708% | 3,245 |
| Earnings coverage of net charge-offs (x) | 11.3105% | 1,621 |
| Efficiency ratio | 68.8388% | 4,395 |
| Assets per employee ($millions) | 3.0261% | 6,043 |
| Cash dividends to net income (ytd only)* | 37.1662% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 5,863 |
| Loan loss allowance to noncurrent loans | 476.5568% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 6,800 |
| Noncurrent loans to loans | 0.2355% | 6,587 |
| Net loans and leases to total assets | 72.8293% | 1,919 |
| Net loans and leases to deposits | 84.6702% | 2,343 |
| Net loans and leases to core deposits | 95.7746% | 2,040 |
| Total domestic deposits to total assets | 86.0152% | 3,351 |
| Equity capital to assets | 13.2578% | 1,274 |
| Core capital (leverage) ratio | 12.5913% | 1,276 |
| Tier 1 risk-based capital ratio | 18.0536% | 1,982 |
| Total risk-based capital ratio | 19.4518% | 1,902 |
| Memoranda: | ||
| Average total assets | $155,321,800 | 3,787 |
| Average earning assets | $143,766,600 | 3,744 |
| Average equity | $20,615,600 | 3,058 |
| Average total loans | $117,371,600 | 3,379 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6436% | 1,902 |
| Cost of funding earning assets | 0.8278% | 6,664 |
| Net interest margin | 4.8158% | 655 |
| Noninterest income to average assets | 0.7898% | 2,289 |
| Noninterest expense to average assets | 3.3416% | 2,452 |
| Loan and lease loss provision to assets | 0.0715% | 6,347 |
| Net operating income to assets | 1.1239% | 1,813 |
| Return on assets (ROA) | 1.1239% | 1,925 |
| Pretax return on assets | 1.8310% | 870 |
| Return on Equity (ROE) | 8.4653% | 2,705 |
| Retained earnings to average equity (ytd only) | 7.5312% | 1,586 |
| Net charge-offs to loans | -0.0045% | 7,206 |
| Credit loss provision to net charge-offs | -2,075.0000% | 7,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7215% | 5,294 |
| Assets per employee ($millions) | 3.0991% | 5,922 |
| Cash dividends to net income (ytd only)* | 11.0347% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 5,718 |
| Loan loss allowance to noncurrent loans | 284.6154% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 6,576 |
| Noncurrent loans to loans | 0.4035% | 6,393 |
| Net loans and leases to total assets | 68.5117% | 3,095 |
| Net loans and leases to deposits | 78.7866% | 3,674 |
| Net loans and leases to core deposits | 88.7801% | 3,266 |
| Total domestic deposits to total assets | 86.9585% | 2,554 |
| Equity capital to assets | 12.6357% | 1,785 |
| Core capital (leverage) ratio | 12.4725% | 1,423 |
| Tier 1 risk-based capital ratio | 17.9638% | 2,029 |
| Total risk-based capital ratio | 19.3428% | 1,958 |
| Memoranda: | ||
| Average total assets | $154,813,000 | 3,844 |
| Average earning assets | $143,191,000 | 3,811 |
| Average equity | $20,554,000 | 3,109 |
| Average total loans | $117,738,750 | 3,407 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8561% | 1,289 |
| Cost of funding earning assets | 0.8510% | 6,756 |
| Net interest margin | 5.0051% | 414 |
| Noninterest income to average assets | 0.7807% | 2,230 |
| Noninterest expense to average assets | 3.4441% | 2,155 |
| Loan and lease loss provision to assets | 0.1102% | 5,802 |
| Net operating income to assets | 1.1286% | 1,767 |
| Return on assets (ROA) | 1.1286% | 1,833 |
| Pretax return on assets | 1.8336% | 830 |
| Return on Equity (ROE) | 8.3511% | 2,738 |
| Retained earnings to average equity (ytd only) | 6.9363% | 1,865 |
| Net charge-offs to loans | -0.0169% | 7,261 |
| Credit loss provision to net charge-offs | -830.0000% | 6,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9231% | 5,352 |
| Assets per employee ($millions) | 2.9226% | 6,311 |
| Cash dividends to net income (ytd only)* | 16.9412% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 5,813 |
| Loan loss allowance to noncurrent loans | 514.6154% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 6,878 |
| Noncurrent loans to loans | 0.2189% | 6,805 |
| Net loans and leases to total assets | 74.4109% | 1,824 |
| Net loans and leases to deposits | 86.0911% | 2,489 |
| Net loans and leases to core deposits | 98.5987% | 2,168 |
| Total domestic deposits to total assets | 86.4327% | 2,859 |
| Equity capital to assets | 13.1199% | 1,522 |
| Core capital (leverage) ratio | 13.3386% | 1,104 |
| Tier 1 risk-based capital ratio | 17.5967% | 2,080 |
| Total risk-based capital ratio | 18.9924% | 1,992 |
| Memoranda: | ||
| Average total assets | $150,633,670 | 3,941 |
| Average earning assets | $138,659,670 | 3,926 |
| Average equity | $20,356,670 | 3,132 |
| Average total loans | $118,322,670 | 3,428 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9437% | 1,092 |
| Cost of funding earning assets | 0.8538% | 6,929 |
| Net interest margin | 5.0899% | 353 |
| Noninterest income to average assets | 0.7046% | 2,567 |
| Noninterest expense to average assets | 3.4276% | 2,165 |
| Loan and lease loss provision to assets | 0.2584% | 3,970 |
| Net operating income to assets | 1.0283% | 2,076 |
| Return on assets (ROA) | 1.0283% | 2,135 |
| Pretax return on assets | 1.6893% | 1,081 |
| Return on Equity (ROE) | 7.4918% | 3,121 |
| Retained earnings to average equity (ytd only) | 7.4918% | 1,930 |
| Net charge-offs to loans | 0.5148% | 2,523 |
| Credit loss provision to net charge-offs | 62.5000% | 4,250 |
| Earnings coverage of net charge-offs (x) | 4.7105% | 2,567 |
| Efficiency ratio | 63.7652% | 5,539 |
| Assets per employee ($millions) | 2.6236% | 6,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 6,507 |
| Loan loss allowance to noncurrent loans | 388.2353% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 6,953 |
| Noncurrent loans to loans | 0.2555% | 6,822 |
| Net loans and leases to total assets | 79.2756% | 936 |
| Net loans and leases to deposits | 92.3642% | 1,560 |
| Net loans and leases to core deposits | 112.1841% | 1,150 |
| Total domestic deposits to total assets | 85.8293% | 3,241 |
| Equity capital to assets | 13.6304% | 1,276 |
| Core capital (leverage) ratio | 13.7676% | 1,015 |
| Tier 1 risk-based capital ratio | 17.2699% | 2,167 |
| Total risk-based capital ratio | 18.5361% | 2,113 |
| Memoranda: | ||
| Average total assets | $147,040,000 | 4,064 |
| Average earning assets | $134,933,500 | 4,058 |
| Average equity | $20,182,000 | 3,180 |
| Average total loans | $118,097,000 | 3,493 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0803% | 1,574 |
| Cost of funding earning assets | 1.0821% | 7,027 |
| Net interest margin | 4.9982% | 452 |
| Noninterest income to average assets | 0.8029% | 2,393 |
| Noninterest expense to average assets | 3.5100% | 2,348 |
| Loan and lease loss provision to assets | 0.6293% | 3,288 |
| Net operating income to assets | 0.7622% | 2,667 |
| Return on assets (ROA) | 0.7622% | 2,763 |
| Pretax return on assets | 1.2369% | 1,855 |
| Return on Equity (ROE) | 5.7167% | 3,325 |
| Retained earnings to average equity (ytd only) | 3.2246% | 2,901 |
| Net charge-offs to loans | 1.5544% | 1,621 |
| Credit loss provision to net charge-offs | 50.4348% | 6,739 |
| Earnings coverage of net charge-offs (x) | 1.4957% | 4,633 |
| Efficiency ratio | 65.2876% | 5,540 |
| Assets per employee ($millions) | 2.5356% | 7,141 |
| Cash dividends to net income (ytd only)* | 43.5943% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 6,045 |
| Loan loss allowance to noncurrent loans | 413.6213% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 6,464 |
| Noncurrent loans to loans | 0.2585% | 6,778 |
| Net loans and leases to total assets | 79.7097% | 1,045 |
| Net loans and leases to deposits | 93.3258% | 1,687 |
| Net loans and leases to core deposits | 121.1827% | 1,861 |
| Total domestic deposits to total assets | 85.4102% | 3,354 |
| Equity capital to assets | 13.8239% | 1,217 |
| Core capital (leverage) ratio | 13.1458% | 1,202 |
| Tier 1 risk-based capital ratio | 17.3209% | 2,073 |
| Total risk-based capital ratio | 18.6479% | 2,012 |
| Memoranda: | ||
| Average total assets | $147,465,800 | 3,994 |
| Average earning assets | $134,928,000 | 3,995 |
| Average equity | $19,661,600 | 3,255 |
| Average total loans | $118,377,400 | 3,515 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0047% | 2,019 |
| Cost of funding earning assets | 1.1459% | 7,052 |
| Net interest margin | 4.8588% | 608 |
| Noninterest income to average assets | 0.7890% | 2,494 |
| Noninterest expense to average assets | 3.4196% | 2,514 |
| Loan and lease loss provision to assets | 0.5650% | 3,126 |
| Net operating income to assets | 0.7710% | 2,933 |
| Return on assets (ROA) | 0.7710% | 2,991 |
| Pretax return on assets | 1.2487% | 2,110 |
| Return on Equity (ROE) | 5.8352% | 3,589 |
| Retained earnings to average equity (ytd only) | 4.8547% | 2,581 |
| Net charge-offs to loans | 2.2379% | 858 |
| Credit loss provision to net charge-offs | 31.4787% | 6,495 |
| Earnings coverage of net charge-offs (x) | 1.0105% | 5,040 |
| Efficiency ratio | 65.3430% | 5,486 |
| Assets per employee ($millions) | 2.6973% | 6,856 |
| Cash dividends to net income (ytd only)* | 16.8032% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 7,410 |
| Loan loss allowance to noncurrent loans | 67.6370% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7922% | 5,531 |
| Noncurrent loans to loans | 1.0091% | 5,285 |
| Net loans and leases to total assets | 74.7699% | 2,298 |
| Net loans and leases to deposits | 86.5664% | 3,211 |
| Net loans and leases to core deposits | 109.6501% | 3,275 |
| Total domestic deposits to total assets | 86.3729% | 2,498 |
| Equity capital to assets | 13.0326% | 1,682 |
| Core capital (leverage) ratio | 12.7391% | 1,481 |
| Tier 1 risk-based capital ratio | 17.1934% | 2,220 |
| Total risk-based capital ratio | 18.0945% | 2,273 |
| Memoranda: | ||
| Average total assets | $148,199,250 | 4,003 |
| Average earning assets | $135,557,500 | 4,014 |
| Average equity | $19,582,000 | 3,305 |
| Average total loans | $118,859,000 | 3,535 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0634% | 1,934 |
| Cost of funding earning assets | 1.2599% | 6,928 |
| Net interest margin | 4.8035% | 647 |
| Noninterest income to average assets | 0.7352% | 2,789 |
| Noninterest expense to average assets | 3.4820% | 2,395 |
| Loan and lease loss provision to assets | 0.5589% | 2,788 |
| Net operating income to assets | 0.6819% | 3,333 |
| Return on assets (ROA) | 0.6819% | 3,451 |
| Pretax return on assets | 1.1124% | 2,591 |
| Return on Equity (ROE) | 5.1363% | 4,019 |
| Retained earnings to average equity (ytd only) | 3.6541% | 3,264 |
| Net charge-offs to loans | 3.1644% | 512 |
| Credit loss provision to net charge-offs | 21.5604% | 6,112 |
| Earnings coverage of net charge-offs (x) | 0.6447% | 5,053 |
| Efficiency ratio | 67.5683% | 5,237 |
| Assets per employee ($millions) | 2.6203% | 7,013 |
| Cash dividends to net income (ytd only)* | 28.8577% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5469% | 7,729 |
| Loan loss allowance to noncurrent loans | 72.9553% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 5,884 |
| Noncurrent loans to loans | 0.7497% | 5,739 |
| Net loans and leases to total assets | 81.4529% | 1,060 |
| Net loans and leases to deposits | 94.2185% | 2,057 |
| Net loans and leases to core deposits | 125.1546% | 1,937 |
| Total domestic deposits to total assets | 86.4511% | 2,534 |
| Equity capital to assets | 13.0923% | 1,660 |
| Core capital (leverage) ratio | 13.2093% | 1,366 |
| Tier 1 risk-based capital ratio | 15.3447% | 2,874 |
| Total risk-based capital ratio | 15.9940% | 3,059 |
| Memoranda: | ||
| Average total assets | $146,350,670 | 4,064 |
| Average earning assets | $134,610,330 | 4,057 |
| Average equity | $19,430,330 | 3,332 |
| Average total loans | $119,897,000 | 3,533 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0577% | 2,122 |
| Cost of funding earning assets | 1.3622% | 6,837 |
| Net interest margin | 4.6955% | 770 |
| Noninterest income to average assets | 0.6931% | 2,931 |
| Noninterest expense to average assets | 3.4326% | 2,271 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9306% | 2,581 |
| Return on assets (ROA) | 0.9306% | 2,713 |
| Pretax return on assets | 1.5630% | 1,501 |
| Return on Equity (ROE) | 6.9598% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.9598% | 2,224 |
| Net charge-offs to loans | 2.2648% | 639 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.8423% | 4,352 |
| Efficiency ratio | 68.7120% | 4,834 |
| Assets per employee ($millions) | 2.6012% | 7,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 4,579 |
| Loan loss allowance to noncurrent loans | 54.2763% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 1.8783% | 3,097 |
| Noncurrent loans to loans | 2.2685% | 2,900 |
| Net loans and leases to total assets | 81.7776% | 1,051 |
| Net loans and leases to deposits | 98.0985% | 1,647 |
| Net loans and leases to core deposits | 132.1167% | 1,532 |
| Total domestic deposits to total assets | 83.3627% | 3,967 |
| Equity capital to assets | 13.3503% | 1,591 |
| Core capital (leverage) ratio | 13.4655% | 1,332 |
| Tier 1 risk-based capital ratio | 15.5222% | 2,844 |
| Total risk-based capital ratio | 16.7819% | 2,776 |
| Memoranda: | ||
| Average total assets | $144,848,500 | 4,097 |
| Average earning assets | $132,723,500 | 4,094 |
| Average equity | $19,368,500 | 3,368 |
| Average total loans | $118,684,000 | 3,590 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5794% | 2,583 |
| Cost of funding earning assets | 1.7139% | 7,228 |
| Net interest margin | 4.8656% | 682 |
| Noninterest income to average assets | 0.8843% | 2,037 |
| Noninterest expense to average assets | 3.5481% | 2,273 |
| Loan and lease loss provision to assets | 1.2765% | 1,119 |
| Net operating income to assets | 0.3631% | 5,298 |
| Return on assets (ROA) | 0.3631% | 5,101 |
| Pretax return on assets | 0.5570% | 4,828 |
| Return on Equity (ROE) | 2.5163% | 5,412 |
| Retained earnings to average equity (ytd only) | 0.1011% | 5,172 |
| Net charge-offs to loans | 0.4117% | 2,755 |
| Credit loss provision to net charge-offs | 384.8352% | 1,146 |
| Earnings coverage of net charge-offs (x) | 5.5275% | 3,617 |
| Efficiency ratio | 65.9306% | 5,139 |
| Assets per employee ($millions) | 2.8806% | 6,368 |
| Cash dividends to net income (ytd only)* | 95.9839% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8474% | 1,536 |
| Loan loss allowance to noncurrent loans | 45.8936% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 3.4715% | 1,284 |
| Noncurrent loans to loans | 4.0254% | 1,219 |
| Net loans and leases to total assets | 79.5688% | 1,755 |
| Net loans and leases to deposits | 95.8347% | 2,471 |
| Net loans and leases to core deposits | 119.6573% | 2,723 |
| Total domestic deposits to total assets | 83.0271% | 3,764 |
| Equity capital to assets | 13.3930% | 1,633 |
| Core capital (leverage) ratio | 13.4157% | 1,410 |
| Tier 1 risk-based capital ratio | 15.7126% | 2,771 |
| Total risk-based capital ratio | 17.1484% | 2,645 |
| Memoranda: | ||
| Average total assets | $137,170,400 | 4,138 |
| Average earning assets | $126,789,000 | 4,113 |
| Average equity | $19,791,000 | 3,263 |
| Average total loans | $110,521,000 | 3,666 |