Home > Bank of Zachary > Performance and Condition Ratios
Bank of Zachary, Performance and Condition Ratios
| 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 | 5.1114% | 2,907 |
| Cost of funding earning assets | 1.7484% | 2,854 |
| Net interest margin | 3.3630% | 2,367 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 2.8711% | 1,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.4890% | 3,508 |
| Return on assets (ROA) | 0.4890% | 3,519 |
| Pretax return on assets | 0.5750% | 3,516 |
| Return on Equity (ROE) | 5.7000% | 3,355 |
| Retained earnings to average equity (ytd only) | 3.3600% | 2,891 |
| Net charge-offs to loans | 0.0359% | 1,853 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 27.2353% | 1,600 |
| Efficiency ratio | 83.3153% | 836 |
| Assets per employee ($millions) | 5.9710% | 2,897 |
| Cash dividends to net income (ytd only)* | 41.0361% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 2,965 |
| Loan loss allowance to noncurrent loans | 437.3984% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 2,655 |
| Noncurrent loans to loans | 0.2394% | 2,551 |
| Net loans and leases to total assets | 64.4900% | 2,525 |
| Net loans and leases to deposits | 70.9685% | 2,878 |
| Net loans and leases to core deposits | 80.1679% | 2,766 |
| Total domestic deposits to total assets | 90.8800% | 551 |
| Equity capital to assets | 8.7643% | 3,003 |
| Core capital (leverage) ratio | 11.9177% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4943% | 555 |
| Memoranda: | ||
| Average total assets | $402,638,400 | 2,036 |
| Average earning assets | $382,005,800 | 2,006 |
| Average equity | $34,553,200 | 2,190 |
| Average total loans | $236,909,800 | 2,151 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 3,039 |
| Cost of funding earning assets | 1.7956% | 2,726 |
| Net interest margin | 3.2027% | 2,687 |
| Noninterest income to average assets | 0.2400% | 3,438 |
| Noninterest expense to average assets | 2.8407% | 1,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.3821% | 3,714 |
| Return on assets (ROA) | 0.3821% | 3,744 |
| Pretax return on assets | 0.4394% | 3,750 |
| Return on Equity (ROE) | 4.4800% | 3,636 |
| Retained earnings to average equity (ytd only) | 2.0256% | 3,458 |
| Net charge-offs to loans | 0.0270% | 1,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 28.3830% | 1,555 |
| Efficiency ratio | 86.6037% | 682 |
| Assets per employee ($millions) | 6.3600% | 2,613 |
| Cash dividends to net income (ytd only)* | 54.7414% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 2,521 |
| Loan loss allowance to noncurrent loans | 440.0000% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 2,692 |
| Noncurrent loans to loans | 0.2598% | 2,510 |
| Net loans and leases to total assets | 57.9700% | 3,099 |
| Net loans and leases to deposits | 65.9900% | 3,247 |
| Net loans and leases to core deposits | 73.2662% | 3,222 |
| Total domestic deposits to total assets | 87.8400% | 1,297 |
| Equity capital to assets | 9.0574% | 2,993 |
| Core capital (leverage) ratio | 11.7893% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2221% | 521 |
| Memoranda: | ||
| Average total assets | $404,776,250 | 2,029 |
| Average earning assets | $383,960,000 | 2,003 |
| Average equity | $34,556,750 | 2,186 |
| Average total loans | $231,923,500 | 2,166 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9306% | 3,069 |
| Cost of funding earning assets | 1.8358% | 2,540 |
| Net interest margin | 3.0948% | 2,863 |
| Noninterest income to average assets | 0.2400% | 3,419 |
| Noninterest expense to average assets | 2.8053% | 1,445 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.3302% | 3,774 |
| Return on assets (ROA) | 0.3302% | 3,818 |
| Pretax return on assets | 0.3742% | 3,846 |
| Return on Equity (ROE) | 3.9500% | 3,732 |
| Retained earnings to average equity (ytd only) | 1.0182% | 3,597 |
| Net charge-offs to loans | 0.0200% | 1,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 32.8696% | 1,350 |
| Efficiency ratio | 88.2298% | 650 |
| Assets per employee ($millions) | 6.2507% | 2,599 |
| Cash dividends to net income (ytd only)* | 74.2129% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 2,307 |
| Loan loss allowance to noncurrent loans | 459.4324% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 2,627 |
| Noncurrent loans to loans | 0.2585% | 2,450 |
| Net loans and leases to total assets | 57.2300% | 3,173 |
| Net loans and leases to deposits | 62.9246% | 3,422 |
| Net loans and leases to core deposits | 69.2504% | 3,403 |
| Total domestic deposits to total assets | 90.9500% | 468 |
| Equity capital to assets | 8.4455% | 3,132 |
| Core capital (leverage) ratio | 11.5647% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4722% | 506 |
| Memoranda: | ||
| Average total assets | $404,022,667 | 2,031 |
| Average earning assets | $383,485,000 | 2,005 |
| Average equity | $33,786,667 | 2,188 |
| Average total loans | $229,672,667 | 2,171 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 3,184 |
| Cost of funding earning assets | 1.8341% | 2,409 |
| Net interest margin | 2.9455% | 3,100 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 2.7546% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.2621% | 3,888 |
| Return on assets (ROA) | 0.2621% | 3,924 |
| Pretax return on assets | 0.2759% | 3,948 |
| Return on Equity (ROE) | 3.1500% | 3,824 |
| Retained earnings to average equity (ytd only) | -1.5864% | 3,891 |
| Net charge-offs to loans | 0.0122% | 1,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,063 |
| Efficiency ratio | 90.8973% | 554 |
| Assets per employee ($millions) | 6.4075% | 2,524 |
| Cash dividends to net income (ytd only)* | 150.3759% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,251 |
| Loan loss allowance to noncurrent loans | 319.2618% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 2,279 |
| Noncurrent loans to loans | 0.3780% | 1,997 |
| Net loans and leases to total assets | 55.2600% | 3,251 |
| Net loans and leases to deposits | 62.2300% | 3,389 |
| Net loans and leases to core deposits | 67.8522% | 3,433 |
| Total domestic deposits to total assets | 88.8000% | 1,164 |
| Equity capital to assets | 8.1062% | 3,292 |
| Core capital (leverage) ratio | 11.6133% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6089% | 510 |
| Memoranda: | ||
| Average total assets | $406,011,500 | 2,027 |
| Average earning assets | $385,806,500 | 1,999 |
| Average equity | $33,787,000 | 2,188 |
| Average total loans | $228,656,500 | 2,178 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 2,934 |
| Cost of funding earning assets | 1.4640% | 2,036 |
| Net interest margin | 3.1186% | 3,057 |
| Noninterest income to average assets | 1.3200% | 454 |
| Noninterest expense to average assets | 2.9142% | 1,248 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.0752% | 1,991 |
| Return on assets (ROA) | 0.7362% | 3,071 |
| Pretax return on assets | 0.8679% | 3,047 |
| Return on Equity (ROE) | 10.3000% | 2,406 |
| Retained earnings to average equity (ytd only) | 7.7967% | 1,601 |
| Net charge-offs to loans | 0.0361% | 1,583 |
| Credit loss provision to net charge-offs | 435.8974% | 736 |
| Earnings coverage of net charge-offs (x) | 67.9615% | 1,112 |
| Efficiency ratio | 68.2841% | 2,076 |
| Assets per employee ($millions) | 6.1837% | 2,661 |
| Cash dividends to net income (ytd only)* | 24.2803% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 2,196 |
| Loan loss allowance to noncurrent loans | 256.4695% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 1,862 |
| Noncurrent loans to loans | 0.4747% | 1,598 |
| Net loans and leases to total assets | 56.0200% | 3,192 |
| Net loans and leases to deposits | 65.2538% | 3,218 |
| Net loans and leases to core deposits | 70.6617% | 3,268 |
| Total domestic deposits to total assets | 85.8500% | 2,064 |
| Equity capital to assets | 8.5416% | 3,019 |
| Core capital (leverage) ratio | 11.4966% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6008% | 505 |
| Memoranda: | ||
| Average total assets | $391,631,600 | 2,040 |
| Average earning assets | $369,616,400 | 2,011 |
| Average equity | $27,999,200 | 2,363 |
| Average total loans | $215,795,800 | 2,191 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5065% | 2,899 |
| Cost of funding earning assets | 1.3695% | 1,951 |
| Net interest margin | 3.1370% | 3,063 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.7502% | 1,540 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.4083% | 3,952 |
| Return on assets (ROA) | 0.3667% | 4,021 |
| Pretax return on assets | 0.3999% | 4,062 |
| Return on Equity (ROE) | 5.4000% | 3,747 |
| Retained earnings to average equity (ytd only) | 2.3470% | 3,659 |
| Net charge-offs to loans | 0.0332% | 1,422 |
| Credit loss provision to net charge-offs | 169.8113% | 1,228 |
| Earnings coverage of net charge-offs (x) | 26.2075% | 1,675 |
| Efficiency ratio | 85.2454% | 550 |
| Assets per employee ($millions) | 6.2459% | 2,529 |
| Cash dividends to net income (ytd only)* | 56.5421% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 2,569 |
| Loan loss allowance to noncurrent loans | 275.5342% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 1,595 |
| Noncurrent loans to loans | 0.4213% | 1,776 |
| Net loans and leases to total assets | 54.9400% | 3,291 |
| Net loans and leases to deposits | 60.7797% | 3,457 |
| Net loans and leases to core deposits | 65.9376% | 3,430 |
| Total domestic deposits to total assets | 90.3900% | 844 |
| Equity capital to assets | 6.6346% | 3,782 |
| Core capital (leverage) ratio | 11.0392% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9478% | 555 |
| Memoranda: | ||
| Average total assets | $389,054,250 | 2,046 |
| Average earning assets | $366,539,750 | 2,017 |
| Average equity | $26,416,000 | 2,425 |
| Average total loans | $212,758,500 | 2,214 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 2,904 |
| Cost of funding earning assets | 1.1955% | 2,009 |
| Net interest margin | 3.1946% | 3,006 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.7181% | 1,602 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.4732% | 3,866 |
| Return on assets (ROA) | 0.4109% | 3,991 |
| Pretax return on assets | 0.4534% | 4,039 |
| Return on Equity (ROE) | 6.0000% | 3,688 |
| Retained earnings to average equity (ytd only) | 2.0621% | 3,711 |
| Net charge-offs to loans | 0.0334% | 1,230 |
| Credit loss provision to net charge-offs | 257.1429% | 941 |
| Earnings coverage of net charge-offs (x) | 31.3143% | 1,526 |
| Efficiency ratio | 82.6993% | 669 |
| Assets per employee ($millions) | 6.1330% | 2,591 |
| Cash dividends to net income (ytd only)* | 65.6566% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,401 |
| Loan loss allowance to noncurrent loans | 304.0984% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 1,525 |
| Noncurrent loans to loans | 0.3970% | 1,742 |
| Net loans and leases to total assets | 54.1400% | 3,265 |
| Net loans and leases to deposits | 60.3898% | 3,398 |
| Net loans and leases to core deposits | 64.4600% | 3,420 |
| Total domestic deposits to total assets | 89.6500% | 1,034 |
| Equity capital to assets | 7.4816% | 3,533 |
| Core capital (leverage) ratio | 10.8618% | 2,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0156% | 553 |
| Memoranda: | ||
| Average total assets | $385,493,667 | 2,061 |
| Average earning assets | $362,365,667 | 2,035 |
| Average equity | $26,381,000 | 2,441 |
| Average total loans | $209,618,333 | 2,225 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1286% | 3,190 |
| Cost of funding earning assets | 0.8415% | 2,564 |
| Net interest margin | 3.2870% | 2,909 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.6902% | 1,705 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.5759% | 3,736 |
| Return on assets (ROA) | 0.5759% | 3,703 |
| Pretax return on assets | 0.6587% | 3,742 |
| Return on Equity (ROE) | 8.8400% | 3,094 |
| Retained earnings to average equity (ytd only) | 3.6161% | 3,366 |
| Net charge-offs to loans | 0.0348% | 1,032 |
| Credit loss provision to net charge-offs | 333.3333% | 656 |
| Earnings coverage of net charge-offs (x) | 38.2778% | 1,203 |
| Efficiency ratio | 78.8521% | 920 |
| Assets per employee ($millions) | 6.7197% | 2,181 |
| Cash dividends to net income (ytd only)* | 59.0909% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,384 |
| Loan loss allowance to noncurrent loans | 298.1546% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 1,517 |
| Noncurrent loans to loans | 0.4130% | 1,694 |
| Net loans and leases to total assets | 51.4300% | 3,388 |
| Net loans and leases to deposits | 59.3183% | 3,381 |
| Net loans and leases to core deposits | 62.2955% | 3,430 |
| Total domestic deposits to total assets | 86.7000% | 2,370 |
| Equity capital to assets | 7.4989% | 3,563 |
| Core capital (leverage) ratio | 11.8648% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4481% | 541 |
| Memoranda: | ||
| Average total assets | $381,985,500 | 2,095 |
| Average earning assets | $358,864,000 | 2,079 |
| Average equity | $24,888,500 | 2,553 |
| Average total loans | $206,878,000 | 2,256 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 1,960 |
| Cost of funding earning assets | 0.3301% | 2,630 |
| Net interest margin | 3.5813% | 1,696 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.7657% | 1,396 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8661% | 3,095 |
| Return on assets (ROA) | 0.8661% | 3,027 |
| Pretax return on assets | 1.0155% | 3,031 |
| Return on Equity (ROE) | 15.5100% | 1,144 |
| Retained earnings to average equity (ytd only) | 11.7275% | 731 |
| Net charge-offs to loans | 0.0292% | 1,480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 64.3393% | 1,205 |
| Efficiency ratio | 73.1440% | 1,305 |
| Assets per employee ($millions) | 6.1151% | 2,663 |
| Cash dividends to net income (ytd only)* | 24.4061% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,168 |
| Loan loss allowance to noncurrent loans | 317.3533% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 1,432 |
| Noncurrent loans to loans | 0.3930% | 1,742 |
| Net loans and leases to total assets | 55.7900% | 3,052 |
| Net loans and leases to deposits | 59.0897% | 3,389 |
| Net loans and leases to core deposits | 61.7908% | 3,406 |
| Total domestic deposits to total assets | 94.4100% | 198 |
| Equity capital to assets | 5.4167% | 4,262 |
| Core capital (leverage) ratio | 9.6690% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2276% | 801 |
| Memoranda: | ||
| Average total assets | $354,810,200 | 2,205 |
| Average earning assets | $336,302,800 | 2,170 |
| Average equity | $19,808,200 | 2,965 |
| Average total loans | $191,750,200 | 2,298 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7661% | 1,847 |
| Cost of funding earning assets | 0.2411% | 2,807 |
| Net interest margin | 3.5251% | 1,590 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.7454% | 1,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8106% | 3,215 |
| Return on assets (ROA) | 0.8106% | 3,181 |
| Pretax return on assets | 0.9438% | 3,198 |
| Return on Equity (ROE) | 14.4100% | 1,320 |
| Retained earnings to average equity (ytd only) | 11.0893% | 1,028 |
| Net charge-offs to loans | 0.0290% | 1,251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 1,164 |
| Efficiency ratio | 74.4169% | 1,235 |
| Assets per employee ($millions) | 6.8003% | 2,092 |
| Cash dividends to net income (ytd only)* | 23.0447% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 2,121 |
| Loan loss allowance to noncurrent loans | 597.4299% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 2,021 |
| Noncurrent loans to loans | 0.2145% | 2,535 |
| Net loans and leases to total assets | 51.7100% | 3,311 |
| Net loans and leases to deposits | 54.5083% | 3,577 |
| Net loans and leases to core deposits | 57.0800% | 3,559 |
| Total domestic deposits to total assets | 94.8700% | 242 |
| Equity capital to assets | 4.8512% | 4,319 |
| Core capital (leverage) ratio | 9.5974% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9826% | 864 |
| Memoranda: | ||
| Average total assets | $353,315,250 | 2,227 |
| Average earning assets | $335,190,250 | 2,191 |
| Average equity | $19,874,500 | 3,011 |
| Average total loans | $188,733,250 | 2,325 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 1,710 |
| Cost of funding earning assets | 0.1886% | 3,065 |
| Net interest margin | 3.4542% | 1,439 |
| Noninterest income to average assets | 0.3882% | 2,825 |
| Noninterest expense to average assets | 2.7413% | 1,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8229% | 2,873 |
| Return on assets (ROA) | 0.8229% | 2,846 |
| Pretax return on assets | 0.9566% | 2,879 |
| Return on Equity (ROE) | 13.9224% | 1,132 |
| Retained earnings to average equity (ytd only) | 11.8576% | 628 |
| Net charge-offs to loans | 0.0389% | 995 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 45.7222% | 1,200 |
| Efficiency ratio | 74.1317% | 1,493 |
| Assets per employee ($millions) | 6.7328% | 2,143 |
| Cash dividends to net income (ytd only)* | 14.8305% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 2,158 |
| Loan loss allowance to noncurrent loans | 667.1875% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 2,162 |
| Noncurrent loans to loans | 0.1959% | 2,725 |
| Net loans and leases to total assets | 51.3029% | 3,235 |
| Net loans and leases to deposits | 53.4104% | 3,578 |
| Net loans and leases to core deposits | 55.7875% | 3,584 |
| Total domestic deposits to total assets | 96.0543% | 84 |
| Equity capital to assets | 3.7450% | 4,644 |
| Core capital (leverage) ratio | 7.7789% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2490% | 1,642 |
| Memoranda: | ||
| Average total assets | $344,148,333 | 2,272 |
| Average earning assets | $329,745,000 | 2,229 |
| Average equity | $20,341,333 | 3,040 |
| Average total loans | $185,146,000 | 2,346 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6880% | 1,295 |
| Cost of funding earning assets | 0.1879% | 2,971 |
| Net interest margin | 3.5001% | 1,092 |
| Noninterest income to average assets | 0.3100% | 3,243 |
| Noninterest expense to average assets | 2.8367% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7336% | 2,911 |
| Return on assets (ROA) | 0.7336% | 2,905 |
| Pretax return on assets | 0.8386% | 2,980 |
| Return on Equity (ROE) | 10.2507% | 1,871 |
| Retained earnings to average equity (ytd only) | 10.2507% | 965 |
| Net charge-offs to loans | -0.0067% | 3,441 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1837% | 1,386 |
| Assets per employee ($millions) | 5.9372% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 1,831 |
| Loan loss allowance to noncurrent loans | 536.2887% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 1,949 |
| Noncurrent loans to loans | 0.2648% | 2,525 |
| Net loans and leases to total assets | 54.3010% | 2,718 |
| Net loans and leases to deposits | 57.8456% | 3,092 |
| Net loans and leases to core deposits | 60.8519% | 3,078 |
| Total domestic deposits to total assets | 93.8722% | 126 |
| Equity capital to assets | 5.9437% | 4,597 |
| Core capital (leverage) ratio | 8.3321% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4502% | 1,393 |
| Memoranda: | ||
| Average total assets | $327,703,000 | 2,355 |
| Average earning assets | $315,072,500 | 2,310 |
| Average equity | $23,452,000 | 2,874 |
| Average total loans | $179,722,000 | 2,382 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9421% | 1,509 |
| Cost of funding earning assets | 0.2611% | 2,793 |
| Net interest margin | 3.6810% | 1,264 |
| Noninterest income to average assets | 0.8788% | 1,260 |
| Noninterest expense to average assets | 2.9456% | 1,068 |
| Loan and lease loss provision to assets | 0.1295% | 946 |
| Net operating income to assets | 1.1420% | 2,137 |
| Return on assets (ROA) | 1.1325% | 2,218 |
| Pretax return on assets | 1.3430% | 2,230 |
| Return on Equity (ROE) | 13.9314% | 1,208 |
| Retained earnings to average equity (ytd only) | 9.7191% | 987 |
| Net charge-offs to loans | 0.0445% | 1,392 |
| Credit loss provision to net charge-offs | 507.3171% | 790 |
| Earnings coverage of net charge-offs (x) | 58.1220% | 1,203 |
| Efficiency ratio | 66.5027% | 2,193 |
| Assets per employee ($millions) | 5.7665% | 2,993 |
| Cash dividends to net income (ytd only)* | 30.2364% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 1,652 |
| Loan loss allowance to noncurrent loans | 770.9199% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 2,283 |
| Noncurrent loans to loans | 0.1912% | 2,990 |
| Net loans and leases to total assets | 53.7910% | 2,875 |
| Net loans and leases to deposits | 58.8128% | 3,186 |
| Net loans and leases to core deposits | 61.9183% | 3,171 |
| Total domestic deposits to total assets | 91.4614% | 323 |
| Equity capital to assets | 8.4051% | 4,113 |
| Core capital (leverage) ratio | 8.3377% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1741% | 1,223 |
| Memoranda: | ||
| Average total assets | $321,222,400 | 2,339 |
| Average earning assets | $309,832,000 | 2,283 |
| Average equity | $26,113,600 | 2,776 |
| Average total loans | $184,154,800 | 2,351 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 1,970 |
| Cost of funding earning assets | 0.2873% | 2,722 |
| Net interest margin | 3.5343% | 1,773 |
| Noninterest income to average assets | 1.0752% | 954 |
| Noninterest expense to average assets | 2.9085% | 1,116 |
| Loan and lease loss provision to assets | 0.1730% | 620 |
| Net operating income to assets | 1.1769% | 2,241 |
| Return on assets (ROA) | 1.1650% | 2,369 |
| Pretax return on assets | 1.3844% | 2,394 |
| Return on Equity (ROE) | 14.4538% | 1,268 |
| Retained earnings to average equity (ytd only) | 10.3285% | 1,221 |
| Net charge-offs to loans | -0.0007% | 3,102 |
| Credit loss provision to net charge-offs | -41,600.0000% | 4,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9225% | 2,256 |
| Assets per employee ($millions) | 6.0052% | 2,692 |
| Cash dividends to net income (ytd only)* | 28.5408% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 1,743 |
| Loan loss allowance to noncurrent loans | 586.6521% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 2,341 |
| Noncurrent loans to loans | 0.2507% | 2,935 |
| Net loans and leases to total assets | 54.3789% | 2,929 |
| Net loans and leases to deposits | 59.5072% | 3,274 |
| Net loans and leases to core deposits | 62.4327% | 3,270 |
| Total domestic deposits to total assets | 91.3821% | 265 |
| Equity capital to assets | 8.2464% | 4,389 |
| Core capital (leverage) ratio | 8.3667% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3554% | 1,277 |
| Memoranda: | ||
| Average total assets | $320,797,500 | 2,365 |
| Average earning assets | $309,040,000 | 2,308 |
| Average equity | $25,856,500 | 2,826 |
| Average total loans | $186,118,250 | 2,375 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 2,263 |
| Cost of funding earning assets | 0.3197% | 2,586 |
| Net interest margin | 3.4071% | 2,120 |
| Noninterest income to average assets | 0.3199% | 3,510 |
| Noninterest expense to average assets | 2.8813% | 1,181 |
| Loan and lease loss provision to assets | 0.0371% | 2,249 |
| Net operating income to assets | 0.6109% | 3,957 |
| Return on assets (ROA) | 0.6120% | 4,012 |
| Pretax return on assets | 0.6838% | 4,095 |
| Return on Equity (ROE) | 7.6546% | 3,493 |
| Retained earnings to average equity (ytd only) | 5.2921% | 3,077 |
| Net charge-offs to loans | 0.0213% | 1,518 |
| Credit loss provision to net charge-offs | 295.0000% | 899 |
| Earnings coverage of net charge-offs (x) | 57.1500% | 990 |
| Efficiency ratio | 80.0140% | 780 |
| Assets per employee ($millions) | 5.6826% | 2,926 |
| Cash dividends to net income (ytd only)* | 30.8642% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,679 |
| Loan loss allowance to noncurrent loans | 590.2564% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 2,270 |
| Noncurrent loans to loans | 0.2117% | 3,202 |
| Net loans and leases to total assets | 56.1635% | 2,882 |
| Net loans and leases to deposits | 63.0028% | 3,106 |
| Net loans and leases to core deposits | 67.3252% | 3,009 |
| Total domestic deposits to total assets | 89.1444% | 1,202 |
| Equity capital to assets | 7.9473% | 4,562 |
| Core capital (leverage) ratio | 7.9103% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1762% | 1,295 |
| Memoranda: | ||
| Average total assets | $317,634,000 | 2,371 |
| Average earning assets | $305,893,000 | 2,316 |
| Average equity | $25,396,333 | 2,849 |
| Average total loans | $187,395,000 | 2,371 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6525% | 2,491 |
| Cost of funding earning assets | 0.3777% | 2,289 |
| Net interest margin | 3.2748% | 2,466 |
| Noninterest income to average assets | 0.3243% | 3,475 |
| Noninterest expense to average assets | 2.8655% | 1,224 |
| Loan and lease loss provision to assets | 0.0471% | 2,135 |
| Net operating income to assets | 0.5179% | 4,141 |
| Return on assets (ROA) | 0.5202% | 4,176 |
| Pretax return on assets | 0.5685% | 4,245 |
| Return on Equity (ROE) | 6.4860% | 3,733 |
| Retained earnings to average equity (ytd only) | 4.9002% | 3,252 |
| Net charge-offs to loans | 0.0106% | 1,548 |
| Credit loss provision to net charge-offs | 740.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 96.4000% | 631 |
| Efficiency ratio | 82.3766% | 683 |
| Assets per employee ($millions) | 5.7064% | 2,904 |
| Cash dividends to net income (ytd only)* | 24.4499% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 2,923 |
| Loan loss allowance to noncurrent loans | 254.2636% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 1,922 |
| Noncurrent loans to loans | 0.4726% | 2,437 |
| Net loans and leases to total assets | 58.0363% | 2,797 |
| Net loans and leases to deposits | 62.7776% | 3,246 |
| Net loans and leases to core deposits | 66.9517% | 3,159 |
| Total domestic deposits to total assets | 92.4474% | 78 |
| Equity capital to assets | 7.4170% | 4,739 |
| Core capital (leverage) ratio | 7.8852% | 4,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0980% | 1,268 |
| Memoranda: | ||
| Average total assets | $314,497,000 | 2,375 |
| Average earning assets | $302,918,500 | 2,312 |
| Average equity | $25,223,500 | 2,857 |
| Average total loans | $188,982,500 | 2,360 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4396% | 1,462 |
| Cost of funding earning assets | 0.5418% | 2,666 |
| Net interest margin | 3.8979% | 1,217 |
| Noninterest income to average assets | 0.3937% | 3,126 |
| Noninterest expense to average assets | 3.2587% | 953 |
| Loan and lease loss provision to assets | 0.2183% | 1,795 |
| Net operating income to assets | 0.5612% | 3,868 |
| Return on assets (ROA) | 0.6673% | 3,662 |
| Pretax return on assets | 0.7648% | 3,718 |
| Return on Equity (ROE) | 7.2243% | 3,107 |
| Retained earnings to average equity (ytd only) | 4.0522% | 2,794 |
| Net charge-offs to loans | 0.0252% | 2,537 |
| Credit loss provision to net charge-offs | 1,268.0851% | 655 |
| Earnings coverage of net charge-offs (x) | 50.0213% | 1,199 |
| Efficiency ratio | 79.0985% | 949 |
| Assets per employee ($millions) | 5.5223% | 2,824 |
| Cash dividends to net income (ytd only)* | 43.9078% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,882 |
| Loan loss allowance to noncurrent loans | 458.2996% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 2,432 |
| Noncurrent loans to loans | 0.2643% | 3,250 |
| Net loans and leases to total assets | 60.7888% | 2,760 |
| Net loans and leases to deposits | 67.6367% | 3,116 |
| Net loans and leases to core deposits | 72.7602% | 3,015 |
| Total domestic deposits to total assets | 89.8754% | 614 |
| Equity capital to assets | 8.6663% | 4,327 |
| Core capital (leverage) ratio | 8.3120% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8019% | 1,090 |
| Memoranda: | ||
| Average total assets | $273,024,000 | 2,443 |
| Average earning assets | $260,990,000 | 2,394 |
| Average equity | $25,220,600 | 2,783 |
| Average total loans | $186,574,600 | 2,360 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 1,324 |
| Cost of funding earning assets | 0.5685% | 2,818 |
| Net interest margin | 4.0247% | 1,058 |
| Noninterest income to average assets | 0.3181% | 3,585 |
| Noninterest expense to average assets | 3.2776% | 941 |
| Loan and lease loss provision to assets | 0.2668% | 1,525 |
| Net operating income to assets | 0.5338% | 3,951 |
| Return on assets (ROA) | 0.6793% | 3,635 |
| Pretax return on assets | 0.7793% | 3,701 |
| Return on Equity (ROE) | 7.2263% | 3,111 |
| Retained earnings to average equity (ytd only) | 4.2866% | 2,902 |
| Net charge-offs to loans | 0.0250% | 2,336 |
| Credit loss provision to net charge-offs | 1,517.1429% | 612 |
| Earnings coverage of net charge-offs (x) | 49.9714% | 1,192 |
| Efficiency ratio | 78.8564% | 958 |
| Assets per employee ($millions) | 5.2426% | 2,960 |
| Cash dividends to net income (ytd only)* | 40.6805% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 3,112 |
| Loan loss allowance to noncurrent loans | 177.8761% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 1,799 |
| Noncurrent loans to loans | 0.6282% | 2,224 |
| Net loans and leases to total assets | 65.4691% | 2,584 |
| Net loans and leases to deposits | 72.6141% | 3,079 |
| Net loans and leases to core deposits | 77.6924% | 3,039 |
| Total domestic deposits to total assets | 90.1603% | 373 |
| Equity capital to assets | 8.5865% | 4,411 |
| Core capital (leverage) ratio | 8.6806% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9758% | 1,059 |
| Memoranda: | ||
| Average total assets | $265,348,250 | 2,468 |
| Average earning assets | $253,061,250 | 2,429 |
| Average equity | $24,945,250 | 2,793 |
| Average total loans | $186,494,250 | 2,363 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9852% | 845 |
| Cost of funding earning assets | 0.6066% | 2,933 |
| Net interest margin | 4.3786% | 646 |
| Noninterest income to average assets | 0.3202% | 3,543 |
| Noninterest expense to average assets | 3.3621% | 905 |
| Loan and lease loss provision to assets | 0.3824% | 1,079 |
| Net operating income to assets | 0.6278% | 3,645 |
| Return on assets (ROA) | 0.8506% | 2,981 |
| Pretax return on assets | 1.0008% | 3,029 |
| Return on Equity (ROE) | 8.7504% | 2,470 |
| Retained earnings to average equity (ytd only) | 6.3220% | 1,931 |
| Net charge-offs to loans | -0.0153% | 4,327 |
| Credit loss provision to net charge-offs | -3,471.4286% | 4,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9912% | 1,370 |
| Assets per employee ($millions) | 4.7018% | 3,527 |
| Cash dividends to net income (ytd only)* | 27.7521% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 2,855 |
| Loan loss allowance to noncurrent loans | 114.7668% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 1,260 |
| Noncurrent loans to loans | 0.9888% | 1,570 |
| Net loans and leases to total assets | 70.7612% | 1,915 |
| Net loans and leases to deposits | 78.4002% | 2,614 |
| Net loans and leases to core deposits | 84.0453% | 2,598 |
| Total domestic deposits to total assets | 90.2564% | 331 |
| Equity capital to assets | 9.4069% | 3,739 |
| Core capital (leverage) ratio | 8.9561% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9054% | 921 |
| Memoranda: | ||
| Average total assets | $254,187,333 | 2,516 |
| Average earning assets | $241,674,000 | 2,480 |
| Average equity | $24,707,333 | 2,801 |
| Average total loans | $182,708,000 | 2,379 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5863% | 2,037 |
| Cost of funding earning assets | 0.6557% | 3,142 |
| Net interest margin | 3.9306% | 1,577 |
| Noninterest income to average assets | 0.3283% | 3,562 |
| Noninterest expense to average assets | 3.6125% | 804 |
| Loan and lease loss provision to assets | 0.1437% | 1,954 |
| Net operating income to assets | 0.2726% | 4,408 |
| Return on assets (ROA) | 0.5030% | 3,947 |
| Pretax return on assets | 0.5553% | 4,019 |
| Return on Equity (ROE) | 5.0837% | 3,601 |
| Retained earnings to average equity (ytd only) | 1.7826% | 3,518 |
| Net charge-offs to loans | -0.0453% | 4,606 |
| Credit loss provision to net charge-offs | -440.0000% | 3,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0141% | 535 |
| Assets per employee ($millions) | 4.1570% | 3,713 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 3,533 |
| Loan loss allowance to noncurrent loans | 94.5539% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.0484% | 1,248 |
| Noncurrent loans to loans | 1.0917% | 1,525 |
| Net loans and leases to total assets | 70.0733% | 2,244 |
| Net loans and leases to deposits | 77.7148% | 2,917 |
| Net loans and leases to core deposits | 83.5445% | 2,890 |
| Total domestic deposits to total assets | 90.1671% | 275 |
| Equity capital to assets | 9.6236% | 4,113 |
| Core capital (leverage) ratio | 9.7394% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8229% | 1,170 |
| Memoranda: | ||
| Average total assets | $244,929,500 | 2,524 |
| Average earning assets | $232,431,500 | 2,485 |
| Average equity | $24,234,500 | 2,830 |
| Average total loans | $176,470,500 | 2,397 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6052% | 2,589 |
| Cost of funding earning assets | 0.6446% | 3,441 |
| Net interest margin | 3.9606% | 1,969 |
| Noninterest income to average assets | 0.4341% | 3,086 |
| Noninterest expense to average assets | 3.3362% | 1,234 |
| Loan and lease loss provision to assets | 0.1605% | 1,306 |
| Net operating income to assets | 0.6407% | 4,037 |
| Return on assets (ROA) | 0.6440% | 4,099 |
| Pretax return on assets | 0.7312% | 4,132 |
| Return on Equity (ROE) | 6.6343% | 3,694 |
| Retained earnings to average equity (ytd only) | 3.2727% | 3,373 |
| Net charge-offs to loans | 0.1355% | 1,427 |
| Credit loss provision to net charge-offs | 169.5652% | 1,530 |
| Earnings coverage of net charge-offs (x) | 9.3826% | 2,668 |
| Efficiency ratio | 78.9792% | 1,038 |
| Assets per employee ($millions) | 4.1455% | 3,703 |
| Cash dividends to net income (ytd only)* | 50.6709% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9725% | 3,634 |
| Loan loss allowance to noncurrent loans | 130.1214% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.8339% | 1,543 |
| Noncurrent loans to loans | 0.7474% | 2,016 |
| Net loans and leases to total assets | 72.6281% | 1,984 |
| Net loans and leases to deposits | 85.7524% | 2,127 |
| Net loans and leases to core deposits | 94.0108% | 2,061 |
| Total domestic deposits to total assets | 84.6951% | 2,609 |
| Equity capital to assets | 10.1755% | 3,756 |
| Core capital (leverage) ratio | 10.1499% | 3,355 |
| Tier 1 risk-based capital ratio | 16.8104% | 2,120 |
| Total risk-based capital ratio | 18.0083% | 2,073 |
| Memoranda: | ||
| Average total assets | $243,027,600 | 2,506 |
| Average earning assets | $232,563,400 | 2,456 |
| Average equity | $23,589,400 | 2,831 |
| Average total loans | $169,764,200 | 2,411 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5764% | 2,805 |
| Cost of funding earning assets | 0.6480% | 3,461 |
| Net interest margin | 3.9284% | 2,166 |
| Noninterest income to average assets | 0.3206% | 3,828 |
| Noninterest expense to average assets | 3.3010% | 1,263 |
| Loan and lease loss provision to assets | 0.1641% | 1,136 |
| Net operating income to assets | 0.5570% | 4,389 |
| Return on assets (ROA) | 0.5614% | 4,437 |
| Pretax return on assets | 0.6254% | 4,500 |
| Return on Equity (ROE) | 5.8535% | 4,087 |
| Retained earnings to average equity (ytd only) | 2.7556% | 3,990 |
| Net charge-offs to loans | 0.1721% | 989 |
| Credit loss provision to net charge-offs | 138.2488% | 1,740 |
| Earnings coverage of net charge-offs (x) | 6.6082% | 2,822 |
| Efficiency ratio | 80.7955% | 853 |
| Assets per employee ($millions) | 4.1308% | 3,712 |
| Cash dividends to net income (ytd only)* | 52.9237% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 3,815 |
| Loan loss allowance to noncurrent loans | 127.6695% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8222% | 1,678 |
| Noncurrent loans to loans | 0.7464% | 2,096 |
| Net loans and leases to total assets | 71.0588% | 2,312 |
| Net loans and leases to deposits | 80.8580% | 2,815 |
| Net loans and leases to core deposits | 87.9976% | 2,732 |
| Total domestic deposits to total assets | 87.8809% | 1,088 |
| Equity capital to assets | 10.1010% | 3,918 |
| Core capital (leverage) ratio | 9.8930% | 3,743 |
| Tier 1 risk-based capital ratio | 16.9054% | 2,113 |
| Total risk-based capital ratio | 18.0699% | 2,092 |
| Memoranda: | ||
| Average total assets | $243,674,500 | 2,521 |
| Average earning assets | $233,540,250 | 2,469 |
| Average equity | $23,370,250 | 2,862 |
| Average total loans | $168,119,750 | 2,453 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5633% | 2,790 |
| Cost of funding earning assets | 0.6401% | 3,463 |
| Net interest margin | 3.9232% | 2,175 |
| Noninterest income to average assets | 0.3012% | 3,916 |
| Noninterest expense to average assets | 3.2567% | 1,372 |
| Loan and lease loss provision to assets | 0.1714% | 1,063 |
| Net operating income to assets | 0.5733% | 4,377 |
| Return on assets (ROA) | 0.5762% | 4,403 |
| Pretax return on assets | 0.6432% | 4,461 |
| Return on Equity (ROE) | 6.1143% | 4,013 |
| Retained earnings to average equity (ytd only) | 3.1438% | 3,649 |
| Net charge-offs to loans | 0.2565% | 654 |
| Credit loss provision to net charge-offs | 98.1308% | 2,027 |
| Earnings coverage of net charge-offs (x) | 4.6449% | 2,721 |
| Efficiency ratio | 80.0562% | 958 |
| Assets per employee ($millions) | 4.1452% | 3,655 |
| Cash dividends to net income (ytd only)* | 48.5836% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 4,070 |
| Loan loss allowance to noncurrent loans | 103.1936% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.9109% | 1,530 |
| Noncurrent loans to loans | 0.8764% | 1,849 |
| Net loans and leases to total assets | 70.6852% | 2,439 |
| Net loans and leases to deposits | 80.9552% | 2,850 |
| Net loans and leases to core deposits | 87.7718% | 2,820 |
| Total domestic deposits to total assets | 87.3139% | 1,431 |
| Equity capital to assets | 9.9259% | 4,031 |
| Core capital (leverage) ratio | 9.6856% | 3,948 |
| Tier 1 risk-based capital ratio | 16.7532% | 2,160 |
| Total risk-based capital ratio | 17.8514% | 2,151 |
| Memoranda: | ||
| Average total assets | $245,036,330 | 2,525 |
| Average earning assets | $235,268,330 | 2,464 |
| Average equity | $23,093,330 | 2,875 |
| Average total loans | $166,864,000 | 2,474 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 3,065 |
| Cost of funding earning assets | 0.6343% | 3,382 |
| Net interest margin | 3.8106% | 2,489 |
| Noninterest income to average assets | 0.2959% | 3,897 |
| Noninterest expense to average assets | 3.1875% | 1,521 |
| Loan and lease loss provision to assets | 0.1941% | 833 |
| Net operating income to assets | 0.5240% | 4,453 |
| Return on assets (ROA) | 0.5240% | 4,473 |
| Pretax return on assets | 0.5773% | 4,557 |
| Return on Equity (ROE) | 5.7072% | 4,114 |
| Retained earnings to average equity (ytd only) | 4.0691% | 3,288 |
| Net charge-offs to loans | 0.5153% | 285 |
| Credit loss provision to net charge-offs | 56.6038% | 1,929 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 2,513 |
| Efficiency ratio | 80.5147% | 1,008 |
| Assets per employee ($millions) | 4.3351% | 3,445 |
| Cash dividends to net income (ytd only)* | 28.7037% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8826% | 4,233 |
| Loan loss allowance to noncurrent loans | 435.4167% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 2,959 |
| Noncurrent loans to loans | 0.2027% | 3,864 |
| Net loans and leases to total assets | 65.3473% | 3,130 |
| Net loans and leases to deposits | 74.7753% | 3,376 |
| Net loans and leases to core deposits | 80.6422% | 3,307 |
| Total domestic deposits to total assets | 87.3916% | 1,618 |
| Equity capital to assets | 9.1531% | 4,576 |
| Core capital (leverage) ratio | 9.3517% | 4,317 |
| Tier 1 risk-based capital ratio | 16.9141% | 2,131 |
| Total risk-based capital ratio | 17.9658% | 2,147 |
| Memoranda: | ||
| Average total assets | $247,344,000 | 2,534 |
| Average earning assets | $237,760,500 | 2,474 |
| Average equity | $22,708,000 | 2,910 |
| Average total loans | $164,549,500 | 2,517 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3766% | 2,839 |
| Cost of funding earning assets | 0.3654% | 4,190 |
| Net interest margin | 4.0112% | 1,949 |
| Noninterest income to average assets | 0.3287% | 3,906 |
| Noninterest expense to average assets | 3.1859% | 1,588 |
| Loan and lease loss provision to assets | 0.0436% | 3,310 |
| Net operating income to assets | 0.8223% | 3,720 |
| Return on assets (ROA) | 0.8334% | 3,679 |
| Pretax return on assets | 0.9671% | 3,706 |
| Return on Equity (ROE) | 9.2673% | 2,848 |
| Retained earnings to average equity (ytd only) | 6.0367% | 2,174 |
| Net charge-offs to loans | 0.2529% | 763 |
| Credit loss provision to net charge-offs | 26.5823% | 3,370 |
| Earnings coverage of net charge-offs (x) | 6.0861% | 3,126 |
| Efficiency ratio | 76.1508% | 1,343 |
| Assets per employee ($millions) | 3.9878% | 3,909 |
| Cash dividends to net income (ytd only)* | 34.8606% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 3,952 |
| Loan loss allowance to noncurrent loans | 339.5197% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 2,680 |
| Noncurrent loans to loans | 0.2804% | 3,564 |
| Net loans and leases to total assets | 66.5048% | 3,056 |
| Net loans and leases to deposits | 75.0390% | 3,423 |
| Net loans and leases to core deposits | 80.4215% | 3,397 |
| Total domestic deposits to total assets | 88.6271% | 1,012 |
| Equity capital to assets | 9.2093% | 4,397 |
| Core capital (leverage) ratio | 9.5151% | 4,097 |
| Tier 1 risk-based capital ratio | 17.0357% | 2,052 |
| Total risk-based capital ratio | 18.1728% | 2,042 |
| Memoranda: | ||
| Average total assets | $240,936,400 | 2,539 |
| Average earning assets | $231,551,800 | 2,474 |
| Average equity | $21,667,600 | 2,923 |
| Average total loans | $156,190,000 | 2,565 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3187% | 2,899 |
| Cost of funding earning assets | 0.3503% | 4,181 |
| Net interest margin | 3.9684% | 2,057 |
| Noninterest income to average assets | 0.3345% | 3,922 |
| Noninterest expense to average assets | 3.1286% | 1,692 |
| Loan and lease loss provision to assets | 0.0582% | 2,810 |
| Net operating income to assets | 0.8284% | 3,814 |
| Return on assets (ROA) | 0.8432% | 3,767 |
| Pretax return on assets | 0.9791% | 3,780 |
| Return on Equity (ROE) | 9.4332% | 2,883 |
| Retained earnings to average equity (ytd only) | 6.9508% | 2,151 |
| Net charge-offs to loans | 0.3385% | 491 |
| Credit loss provision to net charge-offs | 26.7857% | 2,984 |
| Earnings coverage of net charge-offs (x) | 4.6914% | 3,030 |
| Efficiency ratio | 75.4112% | 1,417 |
| Assets per employee ($millions) | 4.0519% | 3,803 |
| Cash dividends to net income (ytd only)* | 26.3157% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 3,950 |
| Loan loss allowance to noncurrent loans | 328.6920% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.4776% | 2,768 |
| Noncurrent loans to loans | 0.2945% | 3,623 |
| Net loans and leases to total assets | 65.5529% | 3,237 |
| Net loans and leases to deposits | 72.0866% | 3,762 |
| Net loans and leases to core deposits | 77.6115% | 3,687 |
| Total domestic deposits to total assets | 90.9364% | 237 |
| Equity capital to assets | 8.8069% | 4,716 |
| Core capital (leverage) ratio | 9.4410% | 4,242 |
| Tier 1 risk-based capital ratio | 16.9036% | 2,134 |
| Total risk-based capital ratio | 18.0432% | 2,118 |
| Memoranda: | ||
| Average total assets | $240,357,250 | 2,553 |
| Average earning assets | $231,019,500 | 2,495 |
| Average equity | $21,484,000 | 2,950 |
| Average total loans | $154,405,000 | 2,608 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2770% | 2,844 |
| Cost of funding earning assets | 0.3370% | 4,155 |
| Net interest margin | 3.9399% | 2,067 |
| Noninterest income to average assets | 0.3391% | 3,916 |
| Noninterest expense to average assets | 3.0638% | 1,877 |
| Loan and lease loss provision to assets | 0.0752% | 2,388 |
| Net operating income to assets | 0.8532% | 3,664 |
| Return on assets (ROA) | 0.8603% | 3,623 |
| Pretax return on assets | 0.9973% | 3,670 |
| Return on Equity (ROE) | 9.5777% | 2,763 |
| Retained earnings to average equity (ytd only) | 5.8582% | 2,636 |
| Net charge-offs to loans | 0.3140% | 509 |
| Credit loss provision to net charge-offs | 37.6569% | 2,579 |
| Earnings coverage of net charge-offs (x) | 5.3305% | 2,719 |
| Efficiency ratio | 74.2210% | 1,678 |
| Assets per employee ($millions) | 4.0819% | 3,756 |
| Cash dividends to net income (ytd only)* | 38.8350% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,252 |
| Loan loss allowance to noncurrent loans | 198.3626% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 2,331 |
| Noncurrent loans to loans | 0.5551% | 2,749 |
| Net loans and leases to total assets | 62.1987% | 3,578 |
| Net loans and leases to deposits | 68.2619% | 4,000 |
| Net loans and leases to core deposits | 72.6906% | 3,967 |
| Total domestic deposits to total assets | 91.1177% | 221 |
| Equity capital to assets | 8.7140% | 4,787 |
| Core capital (leverage) ratio | 9.0893% | 4,599 |
| Tier 1 risk-based capital ratio | 16.7624% | 2,176 |
| Total risk-based capital ratio | 18.0125% | 2,120 |
| Memoranda: | ||
| Average total assets | $239,438,000 | 2,565 |
| Average earning assets | $230,257,330 | 2,512 |
| Average equity | $21,508,330 | 2,966 |
| Average total loans | $152,231,000 | 2,641 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 2,834 |
| Cost of funding earning assets | 0.3297% | 4,137 |
| Net interest margin | 3.8863% | 2,098 |
| Noninterest income to average assets | 0.3414% | 3,867 |
| Noninterest expense to average assets | 3.0452% | 1,957 |
| Loan and lease loss provision to assets | 0.0760% | 2,242 |
| Net operating income to assets | 0.8348% | 3,578 |
| Return on assets (ROA) | 0.8348% | 3,592 |
| Pretax return on assets | 0.9649% | 3,652 |
| Return on Equity (ROE) | 9.1517% | 2,831 |
| Retained earnings to average equity (ytd only) | 9.1517% | 1,410 |
| Net charge-offs to loans | 0.0185% | 2,136 |
| Credit loss provision to net charge-offs | 642.8571% | 494 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 662 |
| Efficiency ratio | 74.5244% | 1,817 |
| Assets per employee ($millions) | 4.3348% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 2,632 |
| Loan loss allowance to noncurrent loans | 106.5648% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7151% | 2,177 |
| Noncurrent loans to loans | 1.1542% | 1,573 |
| Net loans and leases to total assets | 61.1977% | 3,623 |
| Net loans and leases to deposits | 67.0303% | 4,019 |
| Net loans and leases to core deposits | 71.3998% | 4,011 |
| Total domestic deposits to total assets | 91.2985% | 226 |
| Equity capital to assets | 8.6457% | 4,861 |
| Core capital (leverage) ratio | 9.2033% | 4,430 |
| Tier 1 risk-based capital ratio | 16.7626% | 2,193 |
| Total risk-based capital ratio | 18.0145% | 2,139 |
| Memoranda: | ||
| Average total assets | $236,699,500 | 2,615 |
| Average earning assets | $228,082,500 | 2,547 |
| Average equity | $21,591,500 | 2,990 |
| Average total loans | $151,331,500 | 2,670 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 2,761 |
| Cost of funding earning assets | 0.2760% | 4,352 |
| Net interest margin | 3.9040% | 2,077 |
| Noninterest income to average assets | 0.3671% | 3,842 |
| Noninterest expense to average assets | 3.0200% | 2,115 |
| Loan and lease loss provision to assets | 0.0379% | 3,507 |
| Net operating income to assets | 0.8289% | 3,040 |
| Return on assets (ROA) | 0.8582% | 2,941 |
| Pretax return on assets | 1.1094% | 3,147 |
| Return on Equity (ROE) | 9.5590% | 2,075 |
| Retained earnings to average equity (ytd only) | 6.1552% | 1,456 |
| Net charge-offs to loans | 0.0566% | 2,673 |
| Credit loss provision to net charge-offs | 109.7561% | 2,378 |
| Earnings coverage of net charge-offs (x) | 32.0976% | 1,477 |
| Efficiency ratio | 73.1346% | 2,040 |
| Assets per employee ($millions) | 4.1148% | 3,787 |
| Cash dividends to net income (ytd only)* | 35.6090% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 2,575 |
| Loan loss allowance to noncurrent loans | 104.1784% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 1,991 |
| Noncurrent loans to loans | 1.1841% | 1,501 |
| Net loans and leases to total assets | 65.2742% | 3,189 |
| Net loans and leases to deposits | 72.3392% | 3,669 |
| Net loans and leases to core deposits | 77.5746% | 3,620 |
| Total domestic deposits to total assets | 90.2336% | 487 |
| Equity capital to assets | 9.6418% | 4,096 |
| Core capital (leverage) ratio | 9.5354% | 3,996 |
| Tier 1 risk-based capital ratio | 17.1337% | 2,044 |
| Total risk-based capital ratio | 18.3850% | 2,002 |
| Memoranda: | ||
| Average total assets | $237,252,000 | 2,586 |
| Average earning assets | $228,638,000 | 2,509 |
| Average equity | $21,299,200 | 3,010 |
| Average total loans | $144,862,000 | 2,708 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 2,877 |
| Cost of funding earning assets | 0.2778% | 4,343 |
| Net interest margin | 3.8517% | 2,213 |
| Noninterest income to average assets | 0.3689% | 3,886 |
| Noninterest expense to average assets | 3.0234% | 2,050 |
| Loan and lease loss provision to assets | 0.0250% | 3,637 |
| Net operating income to assets | 0.8172% | 3,452 |
| Return on assets (ROA) | 0.8272% | 3,436 |
| Pretax return on assets | 1.0467% | 3,504 |
| Return on Equity (ROE) | 9.3784% | 2,411 |
| Retained earnings to average equity (ytd only) | 7.1739% | 1,598 |
| Net charge-offs to loans | 0.0009% | 3,759 |
| Credit loss provision to net charge-offs | 4,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 1,910.7293% | 38 |
| Efficiency ratio | 74.0610% | 1,883 |
| Assets per employee ($millions) | 4.5843% | 2,994 |
| Cash dividends to net income (ytd only)* | 23.5060% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,523 |
| Loan loss allowance to noncurrent loans | 121.4332% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 2,515 |
| Noncurrent loans to loans | 1.0453% | 1,854 |
| Net loans and leases to total assets | 62.5807% | 3,595 |
| Net loans and leases to deposits | 69.3239% | 4,016 |
| Net loans and leases to core deposits | 74.3589% | 3,943 |
| Total domestic deposits to total assets | 90.2728% | 386 |
| Equity capital to assets | 9.3880% | 4,558 |
| Core capital (leverage) ratio | 9.2497% | 4,463 |
| Tier 1 risk-based capital ratio | 17.0108% | 2,150 |
| Total risk-based capital ratio | 18.2639% | 2,107 |
| Memoranda: | ||
| Average total assets | $239,986,000 | 2,581 |
| Average earning assets | $231,371,000 | 2,501 |
| Average equity | $21,168,750 | 3,042 |
| Average total loans | $143,684,750 | 2,743 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0700% | 2,938 |
| Cost of funding earning assets | 0.2776% | 4,313 |
| Net interest margin | 3.7924% | 2,313 |
| Noninterest income to average assets | 0.3727% | 3,892 |
| Noninterest expense to average assets | 2.9820% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8270% | 3,261 |
| Return on assets (ROA) | 0.8296% | 3,302 |
| Pretax return on assets | 1.0510% | 3,368 |
| Return on Equity (ROE) | 9.6037% | 2,214 |
| Retained earnings to average equity (ytd only) | 6.2558% | 1,989 |
| Net charge-offs to loans | -0.0042% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0004% | 2,017 |
| Assets per employee ($millions) | 4.7984% | 2,655 |
| Cash dividends to net income (ytd only)* | 34.8606% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,697 |
| Loan loss allowance to noncurrent loans | 164.7269% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 3,248 |
| Noncurrent loans to loans | 0.7577% | 2,498 |
| Net loans and leases to total assets | 60.6763% | 3,769 |
| Net loans and leases to deposits | 66.8771% | 4,159 |
| Net loans and leases to core deposits | 71.6549% | 4,115 |
| Total domestic deposits to total assets | 90.7281% | 290 |
| Equity capital to assets | 8.9968% | 4,906 |
| Core capital (leverage) ratio | 8.7747% | 4,978 |
| Tier 1 risk-based capital ratio | 16.6046% | 2,278 |
| Total risk-based capital ratio | 17.8579% | 2,228 |
| Memoranda: | ||
| Average total assets | $242,048,330 | 2,576 |
| Average earning assets | $233,416,670 | 2,495 |
| Average equity | $20,908,670 | 3,070 |
| Average total loans | $142,181,670 | 2,774 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9536% | 3,195 |
| Cost of funding earning assets | 0.2678% | 4,379 |
| Net interest margin | 3.6858% | 2,535 |
| Noninterest income to average assets | 0.3702% | 3,889 |
| Noninterest expense to average assets | 2.9566% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7746% | 3,338 |
| Return on assets (ROA) | 0.7799% | 3,368 |
| Pretax return on assets | 0.9757% | 3,478 |
| Return on Equity (ROE) | 9.2171% | 2,309 |
| Retained earnings to average equity (ytd only) | 9.2171% | 1,012 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3143% | 2,017 |
| Assets per employee ($millions) | 4.8514% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 2,594 |
| Loan loss allowance to noncurrent loans | 163.4342% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 3,381 |
| Noncurrent loans to loans | 0.7881% | 2,485 |
| Net loans and leases to total assets | 56.8987% | 4,079 |
| Net loans and leases to deposits | 62.7891% | 4,385 |
| Net loans and leases to core deposits | 67.0518% | 4,348 |
| Total domestic deposits to total assets | 90.6189% | 421 |
| Equity capital to assets | 8.4273% | 5,289 |
| Core capital (leverage) ratio | 8.7036% | 5,042 |
| Tier 1 risk-based capital ratio | 16.8205% | 2,241 |
| Total risk-based capital ratio | 18.0730% | 2,211 |
| Memoranda: | ||
| Average total assets | $243,113,000 | 2,587 |
| Average earning assets | $234,522,500 | 2,516 |
| Average equity | $20,570,500 | 3,116 |
| Average total loans | $139,565,500 | 2,830 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 3,091 |
| Cost of funding earning assets | 0.2811% | 4,245 |
| Net interest margin | 3.7497% | 2,505 |
| Noninterest income to average assets | 0.4405% | 3,613 |
| Noninterest expense to average assets | 2.9772% | 2,419 |
| Loan and lease loss provision to assets | 0.3118% | 600 |
| Net operating income to assets | 0.6339% | 4,074 |
| Return on assets (ROA) | 0.6454% | 4,129 |
| Pretax return on assets | 0.7777% | 4,247 |
| Return on Equity (ROE) | 6.9271% | 3,509 |
| Retained earnings to average equity (ytd only) | 4.0587% | 3,029 |
| Net charge-offs to loans | 0.1423% | 1,838 |
| Credit loss provision to net charge-offs | 382.5137% | 823 |
| Earnings coverage of net charge-offs (x) | 13.1967% | 2,386 |
| Efficiency ratio | 73.4586% | 2,353 |
| Assets per employee ($millions) | 4.6824% | 2,817 |
| Cash dividends to net income (ytd only)* | 41.4079% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 2,322 |
| Loan loss allowance to noncurrent loans | 188.9918% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 3,353 |
| Noncurrent loans to loans | 0.7120% | 2,756 |
| Net loans and leases to total assets | 56.3965% | 4,227 |
| Net loans and leases to deposits | 61.7450% | 4,561 |
| Net loans and leases to core deposits | 65.9738% | 4,529 |
| Total domestic deposits to total assets | 91.3377% | 200 |
| Equity capital to assets | 8.4965% | 5,271 |
| Core capital (leverage) ratio | 8.7261% | 5,044 |
| Tier 1 risk-based capital ratio | 17.1518% | 2,109 |
| Total risk-based capital ratio | 18.4035% | 2,070 |
| Memoranda: | ||
| Average total assets | $224,508,800 | 2,718 |
| Average earning assets | $216,283,400 | 2,636 |
| Average equity | $20,917,800 | 3,074 |
| Average total loans | $128,633,800 | 2,941 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 3,221 |
| Cost of funding earning assets | 0.2837% | 4,267 |
| Net interest margin | 3.7199% | 2,641 |
| Noninterest income to average assets | 0.4786% | 3,386 |
| Noninterest expense to average assets | 3.0035% | 2,314 |
| Loan and lease loss provision to assets | 0.1961% | 1,093 |
| Net operating income to assets | 0.6868% | 3,925 |
| Return on assets (ROA) | 0.7012% | 3,973 |
| Pretax return on assets | 0.8817% | 4,046 |
| Return on Equity (ROE) | 7.3514% | 3,380 |
| Retained earnings to average equity (ytd only) | 5.2953% | 2,633 |
| Net charge-offs to loans | 0.1568% | 1,438 |
| Credit loss provision to net charge-offs | 218.1208% | 1,349 |
| Earnings coverage of net charge-offs (x) | 11.7853% | 2,448 |
| Efficiency ratio | 73.9195% | 2,296 |
| Assets per employee ($millions) | 4.6686% | 2,804 |
| Cash dividends to net income (ytd only)* | 27.9689% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 3,640 |
| Loan loss allowance to noncurrent loans | 133.4523% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 3,513 |
| Noncurrent loans to loans | 0.8510% | 2,554 |
| Net loans and leases to total assets | 55.7926% | 4,329 |
| Net loans and leases to deposits | 61.7525% | 4,642 |
| Net loans and leases to core deposits | 66.1338% | 4,597 |
| Total domestic deposits to total assets | 90.3487% | 363 |
| Equity capital to assets | 9.1968% | 4,976 |
| Core capital (leverage) ratio | 9.1645% | 4,642 |
| Tier 1 risk-based capital ratio | 17.5701% | 2,051 |
| Total risk-based capital ratio | 18.8208% | 2,014 |
| Memoranda: | ||
| Average total assets | $220,935,000 | 2,756 |
| Average earning assets | $212,905,500 | 2,681 |
| Average equity | $21,074,750 | 3,082 |
| Average total loans | $126,663,750 | 2,980 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0345% | 3,122 |
| Cost of funding earning assets | 0.2921% | 4,225 |
| Net interest margin | 3.7424% | 2,540 |
| Noninterest income to average assets | 0.4936% | 3,239 |
| Noninterest expense to average assets | 3.0429% | 2,226 |
| Loan and lease loss provision to assets | 0.1753% | 1,251 |
| Net operating income to assets | 0.6950% | 3,813 |
| Return on assets (ROA) | 0.7030% | 3,922 |
| Pretax return on assets | 0.8913% | 3,986 |
| Return on Equity (ROE) | 7.2767% | 3,382 |
| Retained earnings to average equity (ytd only) | 4.1731% | 3,248 |
| Net charge-offs to loans | 0.2336% | 1,008 |
| Credit loss provision to net charge-offs | 130.1370% | 1,768 |
| Earnings coverage of net charge-offs (x) | 7.8425% | 2,589 |
| Efficiency ratio | 74.2291% | 2,326 |
| Assets per employee ($millions) | 4.5395% | 2,950 |
| Cash dividends to net income (ytd only)* | 42.6509% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 4,221 |
| Loan loss allowance to noncurrent loans | 121.3523% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 3,551 |
| Noncurrent loans to loans | 0.8670% | 2,574 |
| Net loans and leases to total assets | 56.5167% | 4,253 |
| Net loans and leases to deposits | 62.7277% | 4,592 |
| Net loans and leases to core deposits | 67.2362% | 4,529 |
| Total domestic deposits to total assets | 90.0986% | 451 |
| Equity capital to assets | 9.3838% | 4,880 |
| Core capital (leverage) ratio | 9.0466% | 4,773 |
| Tier 1 risk-based capital ratio | 17.7837% | 1,994 |
| Total risk-based capital ratio | 18.9824% | 1,963 |
| Memoranda: | ||
| Average total assets | $216,770,330 | 2,805 |
| Average earning assets | $208,848,670 | 2,723 |
| Average equity | $20,943,670 | 3,103 |
| Average total loans | $124,974,330 | 3,011 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1213% | 2,769 |
| Cost of funding earning assets | 0.3001% | 4,160 |
| Net interest margin | 3.8212% | 2,216 |
| Noninterest income to average assets | 0.5669% | 2,700 |
| Noninterest expense to average assets | 3.0520% | 2,235 |
| Loan and lease loss provision to assets | 0.1606% | 1,294 |
| Net operating income to assets | 0.8220% | 3,141 |
| Return on assets (ROA) | 0.8220% | 3,265 |
| Pretax return on assets | 1.0356% | 3,335 |
| Return on Equity (ROE) | 8.3791% | 2,716 |
| Retained earnings to average equity (ytd only) | 8.3791% | 1,308 |
| Net charge-offs to loans | -0.0033% | 4,190 |
| Credit loss provision to net charge-offs | -8,500.0000% | 5,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8416% | 2,821 |
| Assets per employee ($millions) | 4.5193% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 3,789 |
| Loan loss allowance to noncurrent loans | 107.7395% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 3,334 |
| Noncurrent loans to loans | 1.0646% | 2,262 |
| Net loans and leases to total assets | 53.6273% | 4,482 |
| Net loans and leases to deposits | 59.4317% | 4,757 |
| Net loans and leases to core deposits | 63.7139% | 4,710 |
| Total domestic deposits to total assets | 90.2335% | 511 |
| Equity capital to assets | 9.3266% | 4,862 |
| Core capital (leverage) ratio | 9.4947% | 4,203 |
| Tier 1 risk-based capital ratio | 18.3834% | 1,885 |
| Total risk-based capital ratio | 19.6344% | 1,841 |
| Memoranda: | ||
| Average total assets | $211,667,000 | 2,876 |
| Average earning assets | $203,915,000 | 2,776 |
| Average equity | $20,766,000 | 3,124 |
| Average total loans | $122,639,500 | 3,047 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 3,151 |
| Cost of funding earning assets | 0.3005% | 4,245 |
| Net interest margin | 3.7414% | 2,597 |
| Noninterest income to average assets | 0.4319% | 3,806 |
| Noninterest expense to average assets | 3.0130% | 2,496 |
| Loan and lease loss provision to assets | 0.0761% | 2,750 |
| Net operating income to assets | 0.7532% | 3,556 |
| Return on assets (ROA) | 0.8363% | 3,247 |
| Pretax return on assets | 1.0322% | 3,338 |
| Return on Equity (ROE) | 8.3876% | 2,764 |
| Retained earnings to average equity (ytd only) | 5.0651% | 2,369 |
| Net charge-offs to loans | 0.0713% | 2,818 |
| Credit loss provision to net charge-offs | 201.2987% | 1,381 |
| Earnings coverage of net charge-offs (x) | 26.6104% | 1,578 |
| Efficiency ratio | 74.9756% | 2,428 |
| Assets per employee ($millions) | 4.0279% | 3,883 |
| Cash dividends to net income (ytd only)* | 39.6127% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 4,174 |
| Loan loss allowance to noncurrent loans | 85.7700% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 0.7798% | 2,732 |
| Noncurrent loans to loans | 1.2544% | 1,878 |
| Net loans and leases to total assets | 61.4961% | 3,633 |
| Net loans and leases to deposits | 71.9486% | 3,726 |
| Net loans and leases to core deposits | 78.2981% | 3,515 |
| Total domestic deposits to total assets | 85.4722% | 2,876 |
| Equity capital to assets | 10.3650% | 3,550 |
| Core capital (leverage) ratio | 9.9852% | 3,531 |
| Tier 1 risk-based capital ratio | 18.9404% | 1,715 |
| Total risk-based capital ratio | 20.1905% | 1,679 |
| Memoranda: | ||
| Average total assets | $203,749,400 | 2,906 |
| Average earning assets | $195,325,400 | 2,822 |
| Average equity | $20,315,600 | 3,143 |
| Average total loans | $107,969,200 | 3,239 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 3,373 |
| Cost of funding earning assets | 0.3099% | 4,234 |
| Net interest margin | 3.6823% | 2,839 |
| Noninterest income to average assets | 0.4331% | 3,845 |
| Noninterest expense to average assets | 2.9361% | 2,721 |
| Loan and lease loss provision to assets | 0.0519% | 3,157 |
| Net operating income to assets | 0.7868% | 3,492 |
| Return on assets (ROA) | 0.8967% | 3,065 |
| Pretax return on assets | 1.1071% | 3,192 |
| Return on Equity (ROE) | 9.0792% | 2,534 |
| Retained earnings to average equity (ytd only) | 6.9425% | 1,719 |
| Net charge-offs to loans | 0.0767% | 2,468 |
| Credit loss provision to net charge-offs | 133.3333% | 1,843 |
| Earnings coverage of net charge-offs (x) | 26.2660% | 1,619 |
| Efficiency ratio | 74.1555% | 2,528 |
| Assets per employee ($millions) | 4.3024% | 3,314 |
| Cash dividends to net income (ytd only)* | 23.5335% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 4,008 |
| Loan loss allowance to noncurrent loans | 80.3822% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 3,002 |
| Noncurrent loans to loans | 1.4166% | 1,789 |
| Net loans and leases to total assets | 53.0557% | 4,661 |
| Net loans and leases to deposits | 62.0792% | 4,716 |
| Net loans and leases to core deposits | 67.2989% | 4,604 |
| Total domestic deposits to total assets | 85.4645% | 2,798 |
| Equity capital to assets | 9.9925% | 4,159 |
| Core capital (leverage) ratio | 9.5686% | 4,210 |
| Tier 1 risk-based capital ratio | 19.6311% | 1,642 |
| Total risk-based capital ratio | 20.8806% | 1,610 |
| Memoranda: | ||
| Average total assets | $205,345,000 | 2,918 |
| Average earning assets | $196,649,500 | 2,836 |
| Average equity | $20,280,250 | 3,176 |
| Average total loans | $104,288,250 | 3,339 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0103% | 3,245 |
| Cost of funding earning assets | 0.3187% | 4,176 |
| Net interest margin | 3.6916% | 2,749 |
| Noninterest income to average assets | 0.4479% | 3,724 |
| Noninterest expense to average assets | 2.9050% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8821% | 2,979 |
| Return on assets (ROA) | 0.8821% | 3,092 |
| Pretax return on assets | 1.0812% | 3,253 |
| Return on Equity (ROE) | 8.9675% | 2,565 |
| Retained earnings to average equity (ytd only) | 5.7436% | 2,386 |
| Net charge-offs to loans | 0.0607% | 2,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 35.7419% | 1,215 |
| Efficiency ratio | 72.8764% | 2,862 |
| Assets per employee ($millions) | 4.4573% | 3,051 |
| Cash dividends to net income (ytd only)* | 35.9513% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 3,848 |
| Loan loss allowance to noncurrent loans | 406.3758% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 5,192 |
| Noncurrent loans to loans | 0.2927% | 4,635 |
| Net loans and leases to total assets | 48.0176% | 5,105 |
| Net loans and leases to deposits | 56.6858% | 5,082 |
| Net loans and leases to core deposits | 61.4153% | 4,982 |
| Total domestic deposits to total assets | 84.7084% | 3,250 |
| Equity capital to assets | 9.5478% | 4,597 |
| Core capital (leverage) ratio | 9.2890% | 4,568 |
| Tier 1 risk-based capital ratio | 20.6885% | 1,425 |
| Total risk-based capital ratio | 21.9395% | 1,395 |
| Memoranda: | ||
| Average total assets | $204,955,000 | 2,946 |
| Average earning assets | $196,444,330 | 2,855 |
| Average equity | $20,161,670 | 3,205 |
| Average total loans | $102,107,670 | 3,398 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 3,069 |
| Cost of funding earning assets | 0.3145% | 4,284 |
| Net interest margin | 3.7307% | 2,509 |
| Noninterest income to average assets | 0.4717% | 3,495 |
| Noninterest expense to average assets | 2.9662% | 2,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8841% | 2,823 |
| Return on assets (ROA) | 0.8841% | 2,950 |
| Pretax return on assets | 1.0874% | 3,134 |
| Return on Equity (ROE) | 8.8531% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.8531% | 1,251 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1743% | 2,962 |
| Assets per employee ($millions) | 4.5203% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 3,900 |
| Loan loss allowance to noncurrent loans | 494.8207% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 5,354 |
| Noncurrent loans to loans | 0.2450% | 4,899 |
| Net loans and leases to total assets | 48.6642% | 4,966 |
| Net loans and leases to deposits | 56.8334% | 4,995 |
| Net loans and leases to core deposits | 61.1551% | 4,902 |
| Total domestic deposits to total assets | 85.6261% | 3,124 |
| Equity capital to assets | 9.8873% | 4,284 |
| Core capital (leverage) ratio | 9.4623% | 4,332 |
| Tier 1 risk-based capital ratio | 20.0365% | 1,602 |
| Total risk-based capital ratio | 21.2875% | 1,575 |
| Memoranda: | ||
| Average total assets | $202,685,500 | 2,981 |
| Average earning assets | $194,602,500 | 2,897 |
| Average equity | $20,241,500 | 3,211 |
| Average total loans | $102,259,000 | 3,411 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 3,341 |
| Cost of funding earning assets | 0.3099% | 4,687 |
| Net interest margin | 3.7872% | 2,672 |
| Noninterest income to average assets | 0.5077% | 3,448 |
| Noninterest expense to average assets | 3.0140% | 2,801 |
| Loan and lease loss provision to assets | 0.0304% | 3,999 |
| Net operating income to assets | 0.8792% | 2,980 |
| Return on assets (ROA) | 0.8792% | 3,065 |
| Pretax return on assets | 1.0859% | 3,139 |
| Return on Equity (ROE) | 9.1572% | 2,509 |
| Retained earnings to average equity (ytd only) | 5.5946% | 2,195 |
| Net charge-offs to loans | 0.1001% | 3,077 |
| Credit loss provision to net charge-offs | 63.1579% | 3,230 |
| Earnings coverage of net charge-offs (x) | 23.1895% | 1,597 |
| Efficiency ratio | 72.9726% | 3,038 |
| Assets per employee ($millions) | 4.2921% | 3,376 |
| Cash dividends to net income (ytd only)* | 38.9049% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 3,899 |
| Loan loss allowance to noncurrent loans | 633.6735% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 5,511 |
| Noncurrent loans to loans | 0.1920% | 5,133 |
| Net loans and leases to total assets | 51.0768% | 4,866 |
| Net loans and leases to deposits | 61.3879% | 4,773 |
| Net loans and leases to core deposits | 66.4709% | 4,633 |
| Total domestic deposits to total assets | 83.2033% | 4,006 |
| Equity capital to assets | 10.0913% | 3,996 |
| Core capital (leverage) ratio | 9.5213% | 4,216 |
| Tier 1 risk-based capital ratio | 19.1394% | 1,804 |
| Total risk-based capital ratio | 20.3895% | 1,779 |
| Memoranda: | ||
| Average total assets | $197,348,200 | 3,030 |
| Average earning assets | $188,766,000 | 2,919 |
| Average equity | $18,946,800 | 3,292 |
| Average total loans | $94,934,200 | 3,527 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0642% | 3,512 |
| Cost of funding earning assets | 0.3138% | 4,742 |
| Net interest margin | 3.7504% | 2,810 |
| Noninterest income to average assets | 0.4689% | 3,742 |
| Noninterest expense to average assets | 2.9602% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8872% | 2,972 |
| Return on assets (ROA) | 0.8872% | 3,078 |
| Pretax return on assets | 1.0946% | 3,209 |
| Return on Equity (ROE) | 9.3604% | 2,521 |
| Retained earnings to average equity (ytd only) | 7.0434% | 1,800 |
| Net charge-offs to loans | 0.0902% | 2,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 25.7137% | 1,502 |
| Efficiency ratio | 73.0045% | 2,998 |
| Assets per employee ($millions) | 4.1978% | 3,490 |
| Cash dividends to net income (ytd only)* | 24.7524% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 3,784 |
| Loan loss allowance to noncurrent loans | 101.2510% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 3,791 |
| Noncurrent loans to loans | 1.2583% | 2,541 |
| Net loans and leases to total assets | 47.6829% | 5,235 |
| Net loans and leases to deposits | 55.8639% | 5,251 |
| Net loans and leases to core deposits | 60.2669% | 5,170 |
| Total domestic deposits to total assets | 85.3554% | 3,183 |
| Equity capital to assets | 9.9486% | 4,228 |
| Core capital (leverage) ratio | 9.5754% | 4,275 |
| Tier 1 risk-based capital ratio | 20.2379% | 1,605 |
| Total risk-based capital ratio | 21.4890% | 1,575 |
| Memoranda: | ||
| Average total assets | $197,325,750 | 3,049 |
| Average earning assets | $188,668,750 | 2,951 |
| Average equity | $18,702,500 | 3,340 |
| Average total loans | $93,146,000 | 3,603 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0326% | 3,607 |
| Cost of funding earning assets | 0.3179% | 4,785 |
| Net interest margin | 3.7146% | 2,902 |
| Noninterest income to average assets | 0.4642% | 3,756 |
| Noninterest expense to average assets | 2.9219% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8878% | 2,872 |
| Return on assets (ROA) | 0.8878% | 2,966 |
| Pretax return on assets | 1.0946% | 3,124 |
| Return on Equity (ROE) | 9.5248% | 2,366 |
| Retained earnings to average equity (ytd only) | 5.9911% | 2,331 |
| Net charge-offs to loans | 0.1406% | 2,261 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.6154% | 1,781 |
| Efficiency ratio | 72.7479% | 3,201 |
| Assets per employee ($millions) | 4.1913% | 3,472 |
| Cash dividends to net income (ytd only)* | 37.1005% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 3,891 |
| Loan loss allowance to noncurrent loans | 977.4194% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 5,739 |
| Noncurrent loans to loans | 0.1322% | 5,610 |
| Net loans and leases to total assets | 46.9831% | 5,269 |
| Net loans and leases to deposits | 53.8221% | 5,374 |
| Net loans and leases to core deposits | 58.0809% | 5,267 |
| Total domestic deposits to total assets | 87.2934% | 2,298 |
| Equity capital to assets | 9.6689% | 4,534 |
| Core capital (leverage) ratio | 9.2115% | 4,722 |
| Tier 1 risk-based capital ratio | 19.8610% | 1,720 |
| Total risk-based capital ratio | 21.1117% | 1,685 |
| Memoranda: | ||
| Average total assets | $197,336,000 | 3,066 |
| Average earning assets | $188,714,000 | 2,968 |
| Average equity | $18,394,000 | 3,376 |
| Average total loans | $92,431,330 | 3,628 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 3,541 |
| Cost of funding earning assets | 0.3281% | 4,758 |
| Net interest margin | 3.7067% | 2,837 |
| Noninterest income to average assets | 0.4800% | 3,567 |
| Noninterest expense to average assets | 2.8819% | 3,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9215% | 2,544 |
| Return on assets (ROA) | 0.9215% | 2,620 |
| Pretax return on assets | 1.1443% | 2,719 |
| Return on Equity (ROE) | 10.0733% | 2,010 |
| Retained earnings to average equity (ytd only) | 10.0733% | 942 |
| Net charge-offs to loans | 0.1962% | 1,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.5556% | 1,712 |
| Efficiency ratio | 71.5795% | 3,565 |
| Assets per employee ($millions) | 4.0601% | 3,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 3,859 |
| Loan loss allowance to noncurrent loans | 279.3651% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 5,275 |
| Noncurrent loans to loans | 0.4826% | 4,712 |
| Net loans and leases to total assets | 45.3111% | 5,401 |
| Net loans and leases to deposits | 52.7201% | 5,409 |
| Net loans and leases to core deposits | 56.6337% | 5,310 |
| Total domestic deposits to total assets | 85.9465% | 3,392 |
| Equity capital to assets | 9.3181% | 4,740 |
| Core capital (leverage) ratio | 9.1492% | 4,793 |
| Tier 1 risk-based capital ratio | 19.8962% | 1,750 |
| Total risk-based capital ratio | 21.1469% | 1,710 |
| Memoranda: | ||
| Average total assets | $197,508,000 | 3,082 |
| Average earning assets | $188,956,500 | 2,985 |
| Average equity | $18,067,500 | 3,420 |
| Average total loans | $91,764,500 | 3,667 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 4,203 |
| Cost of funding earning assets | 0.3685% | 4,970 |
| Net interest margin | 3.6002% | 3,465 |
| Noninterest income to average assets | 0.3721% | 4,654 |
| Noninterest expense to average assets | 2.8310% | 3,614 |
| Loan and lease loss provision to assets | 0.0261% | 4,604 |
| Net operating income to assets | 0.7666% | 3,458 |
| Return on assets (ROA) | 0.7666% | 3,555 |
| Pretax return on assets | 0.9357% | 3,613 |
| Return on Equity (ROE) | 8.1158% | 2,973 |
| Retained earnings to average equity (ytd only) | 4.8010% | 2,733 |
| Net charge-offs to loans | 0.0814% | 4,074 |
| Credit loss provision to net charge-offs | 69.4444% | 3,320 |
| Earnings coverage of net charge-offs (x) | 25.5972% | 1,321 |
| Efficiency ratio | 74.6423% | 3,023 |
| Assets per employee ($millions) | 4.0014% | 3,862 |
| Cash dividends to net income (ytd only)* | 40.8441% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 3,719 |
| Loan loss allowance to noncurrent loans | 90.8250% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 0.7712% | 3,965 |
| Noncurrent loans to loans | 1.5257% | 2,603 |
| Net loans and leases to total assets | 46.3485% | 5,457 |
| Net loans and leases to deposits | 56.8043% | 5,229 |
| Net loans and leases to core deposits | 61.5584% | 5,099 |
| Total domestic deposits to total assets | 81.5932% | 5,007 |
| Equity capital to assets | 8.9749% | 5,062 |
| Core capital (leverage) ratio | 8.9138% | 5,127 |
| Tier 1 risk-based capital ratio | 19.5031% | 1,786 |
| Total risk-based capital ratio | 20.7552% | 1,747 |
| Memoranda: | ||
| Average total assets | $191,630,000 | 3,139 |
| Average earning assets | $182,072,400 | 3,046 |
| Average equity | $18,100,400 | 3,401 |
| Average total loans | $88,441,200 | 3,725 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9014% | 4,499 |
| Cost of funding earning assets | 0.3819% | 4,982 |
| Net interest margin | 3.5196% | 3,794 |
| Noninterest income to average assets | 0.3835% | 4,648 |
| Noninterest expense to average assets | 2.8511% | 3,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6550% | 4,094 |
| Return on assets (ROA) | 0.6550% | 4,224 |
| Pretax return on assets | 0.8734% | 3,998 |
| Return on Equity (ROE) | 6.8471% | 3,741 |
| Retained earnings to average equity (ytd only) | 4.6525% | 3,357 |
| Net charge-offs to loans | 0.1066% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 17.8288% | 1,713 |
| Efficiency ratio | 76.5502% | 2,640 |
| Assets per employee ($millions) | 4.1190% | 3,598 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 4,021 |
| Loan loss allowance to noncurrent loans | 89.1226% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 0.9246% | 3,819 |
| Noncurrent loans to loans | 1.5389% | 2,855 |
| Net loans and leases to total assets | 44.7012% | 5,659 |
| Net loans and leases to deposits | 51.8711% | 5,717 |
| Net loans and leases to core deposits | 56.6400% | 5,566 |
| Total domestic deposits to total assets | 86.1774% | 3,146 |
| Equity capital to assets | 8.9397% | 5,254 |
| Core capital (leverage) ratio | 9.3340% | 4,644 |
| Tier 1 risk-based capital ratio | 19.1904% | 1,930 |
| Total risk-based capital ratio | 20.4420% | 1,893 |
| Memoranda: | ||
| Average total assets | $190,520,250 | 3,178 |
| Average earning assets | $180,851,750 | 3,090 |
| Average equity | $18,226,250 | 3,416 |
| Average total loans | $87,513,500 | 3,774 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8880% | 4,527 |
| Cost of funding earning assets | 0.3977% | 4,967 |
| Net interest margin | 3.4902% | 3,819 |
| Noninterest income to average assets | 0.4582% | 4,107 |
| Noninterest expense to average assets | 2.8545% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6932% | 3,837 |
| Return on assets (ROA) | 0.6932% | 4,007 |
| Pretax return on assets | 0.9249% | 3,808 |
| Return on Equity (ROE) | 7.0831% | 3,551 |
| Retained earnings to average equity (ytd only) | 3.8240% | 3,866 |
| Net charge-offs to loans | -0.0161% | 5,892 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5274% | 2,854 |
| Assets per employee ($millions) | 4.0116% | 3,775 |
| Cash dividends to net income (ytd only)* | 46.0123% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 3,611 |
| Loan loss allowance to noncurrent loans | 85.2480% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.0984% | 3,532 |
| Noncurrent loans to loans | 1.7546% | 2,694 |
| Net loans and leases to total assets | 45.6159% | 5,577 |
| Net loans and leases to deposits | 53.3552% | 5,572 |
| Net loans and leases to core deposits | 59.0971% | 5,339 |
| Total domestic deposits to total assets | 85.4948% | 3,646 |
| Equity capital to assets | 9.3919% | 4,733 |
| Core capital (leverage) ratio | 9.0972% | 4,831 |
| Tier 1 risk-based capital ratio | 19.4085% | 1,881 |
| Total risk-based capital ratio | 20.6615% | 1,855 |
| Memoranda: | ||
| Average total assets | $188,122,670 | 3,229 |
| Average earning assets | $179,014,330 | 3,128 |
| Average equity | $18,410,000 | 3,406 |
| Average total loans | $86,815,000 | 3,801 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8740% | 4,570 |
| Cost of funding earning assets | 0.3988% | 5,111 |
| Net interest margin | 3.4752% | 3,810 |
| Noninterest income to average assets | 0.4555% | 4,084 |
| Noninterest expense to average assets | 2.8418% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6854% | 3,759 |
| Return on assets (ROA) | 0.6854% | 3,909 |
| Pretax return on assets | 0.9153% | 3,706 |
| Return on Equity (ROE) | 6.8653% | 3,563 |
| Retained earnings to average equity (ytd only) | 6.8653% | 2,222 |
| Net charge-offs to loans | -0.1617% | 6,626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6374% | 2,987 |
| Assets per employee ($millions) | 4.2618% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 3,615 |
| Loan loss allowance to noncurrent loans | 85.2941% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.0851% | 3,765 |
| Noncurrent loans to loans | 1.8178% | 2,841 |
| Net loans and leases to total assets | 44.1675% | 5,643 |
| Net loans and leases to deposits | 50.2107% | 5,775 |
| Net loans and leases to core deposits | 55.4545% | 5,565 |
| Total domestic deposits to total assets | 87.9643% | 2,338 |
| Equity capital to assets | 9.8160% | 4,399 |
| Core capital (leverage) ratio | 9.2020% | 4,564 |
| Tier 1 risk-based capital ratio | 19.6371% | 1,867 |
| Total risk-based capital ratio | 20.8910% | 1,845 |
| Memoranda: | ||
| Average total assets | $187,911,000 | 3,250 |
| Average earning assets | $178,522,500 | 3,168 |
| Average equity | $18,761,000 | 3,411 |
| Average total loans | $86,566,000 | 3,826 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2059% | 4,574 |
| Cost of funding earning assets | 0.4763% | 5,377 |
| Net interest margin | 3.7297% | 3,522 |
| Noninterest income to average assets | 0.4292% | 4,386 |
| Noninterest expense to average assets | 2.7180% | 4,338 |
| Loan and lease loss provision to assets | 0.1551% | 3,675 |
| Net operating income to assets | 0.8652% | 2,984 |
| Return on assets (ROA) | 0.9277% | 2,912 |
| Pretax return on assets | 1.1878% | 2,843 |
| Return on Equity (ROE) | 9.7099% | 2,307 |
| Retained earnings to average equity (ytd only) | 4.5681% | 3,009 |
| Net charge-offs to loans | 0.4459% | 2,445 |
| Credit loss provision to net charge-offs | 82.8729% | 3,730 |
| Earnings coverage of net charge-offs (x) | 6.7459% | 2,751 |
| Efficiency ratio | 68.2775% | 4,092 |
| Assets per employee ($millions) | 4.0898% | 3,763 |
| Cash dividends to net income (ytd only)* | 52.9543% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 3,786 |
| Loan loss allowance to noncurrent loans | 150.8711% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 4,598 |
| Noncurrent loans to loans | 0.9886% | 4,217 |
| Net loans and leases to total assets | 46.6168% | 5,558 |
| Net loans and leases to deposits | 55.1644% | 5,535 |
| Net loans and leases to core deposits | 61.2161% | 5,246 |
| Total domestic deposits to total assets | 84.5053% | 4,081 |
| Equity capital to assets | 10.1590% | 3,949 |
| Core capital (leverage) ratio | 8.9727% | 4,941 |
| Tier 1 risk-based capital ratio | 19.4073% | 1,840 |
| Total risk-based capital ratio | 20.6598% | 1,805 |
| Memoranda: | ||
| Average total assets | $193,379,000 | 3,131 |
| Average earning assets | $184,145,200 | 3,038 |
| Average equity | $18,476,000 | 3,409 |
| Average total loans | $81,192,400 | 4,002 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2230% | 4,738 |
| Cost of funding earning assets | 0.4943% | 5,474 |
| Net interest margin | 3.7288% | 3,665 |
| Noninterest income to average assets | 0.4162% | 4,508 |
| Noninterest expense to average assets | 2.6794% | 4,458 |
| Loan and lease loss provision to assets | 0.1533% | 3,612 |
| Net operating income to assets | 0.8500% | 3,216 |
| Return on assets (ROA) | 0.9292% | 3,063 |
| Pretax return on assets | 1.2406% | 2,819 |
| Return on Equity (ROE) | 9.8727% | 2,409 |
| Retained earnings to average equity (ytd only) | 7.7013% | 1,752 |
| Net charge-offs to loans | 0.3161% | 2,863 |
| Credit loss provision to net charge-offs | 119.0476% | 2,439 |
| Earnings coverage of net charge-offs (x) | 10.0054% | 2,238 |
| Efficiency ratio | 67.5309% | 4,168 |
| Assets per employee ($millions) | 4.2699% | 3,334 |
| Cash dividends to net income (ytd only)* | 21.9941% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6532% | 3,320 |
| Loan loss allowance to noncurrent loans | 109.1406% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.7880% | 4,739 |
| Noncurrent loans to loans | 1.5148% | 3,513 |
| Net loans and leases to total assets | 43.2514% | 6,022 |
| Net loans and leases to deposits | 51.9559% | 5,978 |
| Net loans and leases to core deposits | 57.4715% | 5,772 |
| Total domestic deposits to total assets | 83.2464% | 4,542 |
| Equity capital to assets | 9.9233% | 4,615 |
| Core capital (leverage) ratio | 8.2675% | 6,063 |
| Tier 1 risk-based capital ratio | 19.6796% | 1,832 |
| Total risk-based capital ratio | 20.9344% | 1,806 |
| Memoranda: | ||
| Average total assets | $195,713,000 | 3,129 |
| Average earning assets | $186,401,000 | 3,031 |
| Average equity | $18,420,750 | 3,446 |
| Average total loans | $79,717,000 | 4,088 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 5,023 |
| Cost of funding earning assets | 0.4967% | 5,647 |
| Net interest margin | 3.6840% | 3,906 |
| Noninterest income to average assets | 0.4195% | 4,508 |
| Noninterest expense to average assets | 2.6592% | 4,572 |
| Loan and lease loss provision to assets | 0.1524% | 3,622 |
| Net operating income to assets | 0.8451% | 3,168 |
| Return on assets (ROA) | 0.8451% | 3,437 |
| Pretax return on assets | 1.1264% | 3,203 |
| Return on Equity (ROE) | 9.1402% | 2,747 |
| Retained earnings to average equity (ytd only) | 5.8444% | 2,804 |
| Net charge-offs to loans | 0.4915% | 2,107 |
| Credit loss provision to net charge-offs | 78.1250% | 3,370 |
| Earnings coverage of net charge-offs (x) | 6.5573% | 2,618 |
| Efficiency ratio | 67.5264% | 4,230 |
| Assets per employee ($millions) | 4.7166% | 2,548 |
| Cash dividends to net income (ytd only)* | 36.0577% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 3,418 |
| Loan loss allowance to noncurrent loans | 94.2816% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 4,922 |
| Noncurrent loans to loans | 1.7536% | 3,269 |
| Net loans and leases to total assets | 36.9657% | 6,548 |
| Net loans and leases to deposits | 45.8203% | 6,451 |
| Net loans and leases to core deposits | 50.1605% | 6,333 |
| Total domestic deposits to total assets | 80.6754% | 5,564 |
| Equity capital to assets | 8.7384% | 5,983 |
| Core capital (leverage) ratio | 7.9775% | 6,299 |
| Tier 1 risk-based capital ratio | 18.3908% | 2,162 |
| Total risk-based capital ratio | 19.6435% | 2,124 |
| Memoranda: | ||
| Average total assets | $196,902,670 | 3,125 |
| Average earning assets | $188,057,000 | 3,016 |
| Average equity | $18,205,330 | 3,470 |
| Average total loans | $78,122,000 | 4,151 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2679% | 4,858 |
| Cost of funding earning assets | 0.5069% | 5,772 |
| Net interest margin | 3.7610% | 3,559 |
| Noninterest income to average assets | 0.4418% | 4,359 |
| Noninterest expense to average assets | 2.7839% | 4,105 |
| Loan and lease loss provision to assets | 0.1585% | 3,397 |
| Net operating income to assets | 0.8159% | 3,316 |
| Return on assets (ROA) | 0.8159% | 3,548 |
| Pretax return on assets | 1.0907% | 3,360 |
| Return on Equity (ROE) | 8.5614% | 3,022 |
| Retained earnings to average equity (ytd only) | 8.5614% | 1,752 |
| Net charge-offs to loans | 0.6003% | 1,588 |
| Credit loss provision to net charge-offs | 64.6552% | 3,022 |
| Earnings coverage of net charge-offs (x) | 5.0948% | 2,443 |
| Efficiency ratio | 69.0252% | 3,978 |
| Assets per employee ($millions) | 4.2557% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7216% | 3,261 |
| Loan loss allowance to noncurrent loans | 90.1024% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8653% | 4,791 |
| Noncurrent loans to loans | 1.9107% | 3,272 |
| Net loans and leases to total assets | 38.4927% | 6,463 |
| Net loans and leases to deposits | 45.7156% | 6,450 |
| Net loans and leases to core deposits | 50.0565% | 6,340 |
| Total domestic deposits to total assets | 84.2002% | 4,398 |
| Equity capital to assets | 9.2597% | 5,144 |
| Core capital (leverage) ratio | 8.7085% | 5,278 |
| Tier 1 risk-based capital ratio | 19.0105% | 1,986 |
| Total risk-based capital ratio | 20.2636% | 1,947 |
| Memoranda: | ||
| Average total assets | $189,230,000 | 3,247 |
| Average earning assets | $180,696,000 | 3,136 |
| Average equity | $18,034,500 | 3,498 |
| Average total loans | $77,294,000 | 4,207 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 4,552 |
| Cost of funding earning assets | 0.6225% | 5,977 |
| Net interest margin | 4.0063% | 2,847 |
| Noninterest income to average assets | 0.5067% | 3,800 |
| Noninterest expense to average assets | 2.9736% | 3,694 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0333% | 2,070 |
| Return on assets (ROA) | 1.0333% | 2,222 |
| Pretax return on assets | 1.3438% | 1,974 |
| Return on Equity (ROE) | 11.0349% | 1,685 |
| Retained earnings to average equity (ytd only) | 7.1869% | 1,411 |
| Net charge-offs to loans | 0.2569% | 4,170 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 12.2424% | 1,642 |
| Efficiency ratio | 68.8752% | 4,176 |
| Assets per employee ($millions) | 3.8872% | 4,113 |
| Cash dividends to net income (ytd only)* | 34.8712% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 3,041 |
| Loan loss allowance to noncurrent loans | 84.8504% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.9841% | 4,643 |
| Noncurrent loans to loans | 2.0587% | 3,127 |
| Net loans and leases to total assets | 41.9014% | 6,394 |
| Net loans and leases to deposits | 49.2797% | 6,418 |
| Net loans and leases to core deposits | 53.8779% | 6,312 |
| Total domestic deposits to total assets | 85.0278% | 3,828 |
| Equity capital to assets | 9.8206% | 4,416 |
| Core capital (leverage) ratio | 8.7002% | 5,250 |
| Tier 1 risk-based capital ratio | 18.9296% | 1,917 |
| Total risk-based capital ratio | 20.1839% | 1,876 |
| Memoranda: | ||
| Average total assets | $180,386,400 | 3,328 |
| Average earning assets | $171,578,600 | 3,210 |
| Average equity | $16,891,800 | 3,595 |
| Average total loans | $77,066,800 | 4,238 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6839% | 4,532 |
| Cost of funding earning assets | 0.6490% | 6,039 |
| Net interest margin | 4.0349% | 2,757 |
| Noninterest income to average assets | 0.4887% | 3,961 |
| Noninterest expense to average assets | 2.9045% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0648% | 2,087 |
| Return on assets (ROA) | 1.0648% | 2,230 |
| Pretax return on assets | 1.4200% | 1,883 |
| Return on Equity (ROE) | 11.5136% | 1,685 |
| Retained earnings to average equity (ytd only) | 9.1082% | 1,107 |
| Net charge-offs to loans | 0.2203% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 15.0787% | 1,493 |
| Efficiency ratio | 67.1639% | 4,490 |
| Assets per employee ($millions) | 3.9207% | 4,030 |
| Cash dividends to net income (ytd only)* | 20.8914% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8954% | 2,624 |
| Loan loss allowance to noncurrent loans | 163.0979% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 5,723 |
| Noncurrent loans to loans | 1.1621% | 4,596 |
| Net loans and leases to total assets | 40.2223% | 6,611 |
| Net loans and leases to deposits | 45.5654% | 6,755 |
| Net loans and leases to core deposits | 49.6068% | 6,688 |
| Total domestic deposits to total assets | 88.2738% | 1,885 |
| Equity capital to assets | 9.7275% | 4,736 |
| Core capital (leverage) ratio | 8.5749% | 5,590 |
| Tier 1 risk-based capital ratio | 19.3124% | 1,852 |
| Total risk-based capital ratio | 20.5680% | 1,818 |
| Memoranda: | ||
| Average total assets | $179,808,500 | 3,349 |
| Average earning assets | $170,936,000 | 3,237 |
| Average equity | $16,629,250 | 3,638 |
| Average total loans | $76,855,000 | 4,281 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 4,647 |
| Cost of funding earning assets | 0.6820% | 6,060 |
| Net interest margin | 3.9905% | 2,880 |
| Noninterest income to average assets | 0.4901% | 3,948 |
| Noninterest expense to average assets | 2.9161% | 3,960 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0251% | 2,121 |
| Return on assets (ROA) | 1.0251% | 2,220 |
| Pretax return on assets | 1.3672% | 1,899 |
| Return on Equity (ROE) | 11.2858% | 1,702 |
| Retained earnings to average equity (ytd only) | 7.5815% | 1,625 |
| Net charge-offs to loans | 0.3260% | 3,257 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 9.6746% | 1,891 |
| Efficiency ratio | 68.0806% | 4,496 |
| Assets per employee ($millions) | 3.9563% | 3,850 |
| Cash dividends to net income (ytd only)* | 32.8228% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 2,904 |
| Loan loss allowance to noncurrent loans | 133.0548% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6975% | 5,513 |
| Noncurrent loans to loans | 1.3720% | 4,353 |
| Net loans and leases to total assets | 41.4457% | 6,634 |
| Net loans and leases to deposits | 50.0754% | 6,588 |
| Net loans and leases to core deposits | 55.3610% | 6,467 |
| Total domestic deposits to total assets | 82.7666% | 4,867 |
| Equity capital to assets | 9.1214% | 5,394 |
| Core capital (leverage) ratio | 8.6132% | 5,376 |
| Tier 1 risk-based capital ratio | 17.8604% | 2,223 |
| Total risk-based capital ratio | 19.1154% | 2,170 |
| Memoranda: | ||
| Average total assets | $178,321,000 | 3,388 |
| Average earning assets | $169,503,000 | 3,284 |
| Average equity | $16,197,330 | 3,697 |
| Average total loans | $77,290,000 | 4,304 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 4,663 |
| Cost of funding earning assets | 0.7040% | 6,107 |
| Net interest margin | 3.9622% | 2,859 |
| Noninterest income to average assets | 0.4722% | 4,105 |
| Noninterest expense to average assets | 2.9156% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0017% | 2,179 |
| Return on assets (ROA) | 1.0017% | 2,228 |
| Pretax return on assets | 1.3363% | 1,920 |
| Return on Equity (ROE) | 11.0524% | 1,723 |
| Retained earnings to average equity (ytd only) | 11.0524% | 892 |
| Net charge-offs to loans | 0.0730% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 41.6429% | 665 |
| Efficiency ratio | 68.5714% | 4,542 |
| Assets per employee ($millions) | 3.8851% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9956% | 2,438 |
| Loan loss allowance to noncurrent loans | 123.8974% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 5,544 |
| Noncurrent loans to loans | 1.6107% | 4,070 |
| Net loans and leases to total assets | 42.4562% | 6,580 |
| Net loans and leases to deposits | 48.0441% | 6,753 |
| Net loans and leases to core deposits | 52.9701% | 6,626 |
| Total domestic deposits to total assets | 88.3693% | 2,159 |
| Equity capital to assets | 8.9796% | 5,230 |
| Core capital (leverage) ratio | 8.7592% | 4,987 |
| Tier 1 risk-based capital ratio | 17.7596% | 2,195 |
| Total risk-based capital ratio | 19.0162% | 2,159 |
| Memoranda: | ||
| Average total assets | $174,508,000 | 3,473 |
| Average earning assets | $166,473,500 | 3,353 |
| Average equity | $15,815,500 | 3,750 |
| Average total loans | $76,685,000 | 4,367 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 5,004 |
| Cost of funding earning assets | 0.9798% | 5,780 |
| Net interest margin | 3.9266% | 3,364 |
| Noninterest income to average assets | 0.6019% | 3,465 |
| Noninterest expense to average assets | 3.0050% | 3,836 |
| Loan and lease loss provision to assets | 0.3473% | 4,048 |
| Net operating income to assets | 0.7280% | 3,110 |
| Return on assets (ROA) | 0.9336% | 2,393 |
| Pretax return on assets | 1.2594% | 2,046 |
| Return on Equity (ROE) | 10.3356% | 1,805 |
| Retained earnings to average equity (ytd only) | 6.7794% | 1,417 |
| Net charge-offs to loans | 0.1909% | 5,156 |
| Credit loss provision to net charge-offs | 413.7931% | 582 |
| Earnings coverage of net charge-offs (x) | 15.8345% | 1,257 |
| Efficiency ratio | 69.3376% | 4,306 |
| Assets per employee ($millions) | 3.7844% | 4,294 |
| Cash dividends to net income (ytd only)* | 34.4079% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0527% | 2,171 |
| Loan loss allowance to noncurrent loans | 129.5927% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7416% | 5,520 |
| Noncurrent loans to loans | 1.5840% | 4,123 |
| Net loans and leases to total assets | 43.6817% | 6,741 |
| Net loans and leases to deposits | 50.4308% | 6,833 |
| Net loans and leases to core deposits | 55.7721% | 6,702 |
| Total domestic deposits to total assets | 86.6171% | 3,021 |
| Equity capital to assets | 9.1503% | 4,917 |
| Core capital (leverage) ratio | 8.3999% | 5,534 |
| Tier 1 risk-based capital ratio | 17.5670% | 2,150 |
| Total risk-based capital ratio | 18.8241% | 2,110 |
| Memoranda: | ||
| Average total assets | $172,777,600 | 3,489 |
| Average earning assets | $164,211,400 | 3,375 |
| Average equity | $15,606,200 | 3,839 |
| Average total loans | $75,959,000 | 4,456 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9168% | 5,192 |
| Cost of funding earning assets | 1.0533% | 5,685 |
| Net interest margin | 3.8635% | 3,687 |
| Noninterest income to average assets | 0.5852% | 3,541 |
| Noninterest expense to average assets | 3.0157% | 3,687 |
| Loan and lease loss provision to assets | 0.3460% | 3,844 |
| Net operating income to assets | 0.6690% | 3,548 |
| Return on assets (ROA) | 0.9458% | 2,562 |
| Pretax return on assets | 1.2618% | 2,294 |
| Return on Equity (ROE) | 10.5045% | 1,932 |
| Retained earnings to average equity (ytd only) | 8.1559% | 1,370 |
| Net charge-offs to loans | 0.1211% | 5,337 |
| Credit loss provision to net charge-offs | 652.1739% | 450 |
| Earnings coverage of net charge-offs (x) | 23.3473% | 1,062 |
| Efficiency ratio | 70.8838% | 3,905 |
| Assets per employee ($millions) | 3.9340% | 3,969 |
| Cash dividends to net income (ytd only)* | 22.3579% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9308% | 2,400 |
| Loan loss allowance to noncurrent loans | 125.5283% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6682% | 5,782 |
| Noncurrent loans to loans | 1.5381% | 4,333 |
| Net loans and leases to total assets | 42.6075% | 6,941 |
| Net loans and leases to deposits | 48.5467% | 7,062 |
| Net loans and leases to core deposits | 53.3603% | 6,989 |
| Total domestic deposits to total assets | 87.7659% | 2,118 |
| Equity capital to assets | 9.2611% | 5,207 |
| Core capital (leverage) ratio | 8.4749% | 5,554 |
| Tier 1 risk-based capital ratio | 17.3262% | 2,235 |
| Total risk-based capital ratio | 18.5819% | 2,191 |
| Memoranda: | ||
| Average total assets | $173,397,000 | 3,524 |
| Average earning assets | $164,684,500 | 3,409 |
| Average equity | $15,612,000 | 3,875 |
| Average total loans | $75,961,500 | 4,528 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9907% | 4,983 |
| Cost of funding earning assets | 1.1600% | 5,345 |
| Net interest margin | 3.8307% | 3,760 |
| Noninterest income to average assets | 0.5808% | 3,476 |
| Noninterest expense to average assets | 3.1013% | 3,313 |
| Loan and lease loss provision to assets | 0.3485% | 3,632 |
| Net operating income to assets | 0.5692% | 4,001 |
| Return on assets (ROA) | 0.9873% | 2,326 |
| Pretax return on assets | 1.3172% | 2,034 |
| Return on Equity (ROE) | 11.0742% | 1,729 |
| Retained earnings to average equity (ytd only) | 7.4914% | 1,640 |
| Net charge-offs to loans | 0.1560% | 4,698 |
| Credit loss provision to net charge-offs | 508.4746% | 725 |
| Earnings coverage of net charge-offs (x) | 16.1695% | 1,412 |
| Efficiency ratio | 73.6755% | 3,532 |
| Assets per employee ($millions) | 3.8455% | 4,115 |
| Cash dividends to net income (ytd only)* | 32.3529% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7755% | 2,804 |
| Loan loss allowance to noncurrent loans | 110.3448% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.7772% | 5,571 |
| Noncurrent loans to loans | 1.6090% | 4,298 |
| Net loans and leases to total assets | 43.9433% | 6,925 |
| Net loans and leases to deposits | 48.8146% | 7,118 |
| Net loans and leases to core deposits | 53.7858% | 7,052 |
| Total domestic deposits to total assets | 90.0208% | 912 |
| Equity capital to assets | 9.2487% | 5,080 |
| Core capital (leverage) ratio | 8.3127% | 5,741 |
| Tier 1 risk-based capital ratio | 17.0697% | 2,253 |
| Total risk-based capital ratio | 18.3242% | 2,204 |
| Memoranda: | ||
| Average total assets | $172,186,000 | 3,567 |
| Average earning assets | $163,105,000 | 3,462 |
| Average equity | $15,351,000 | 3,924 |
| Average total loans | $75,644,330 | 4,580 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0695% | 4,678 |
| Cost of funding earning assets | 1.2327% | 5,219 |
| Net interest margin | 3.8368% | 3,639 |
| Noninterest income to average assets | 0.6195% | 3,142 |
| Noninterest expense to average assets | 3.2497% | 2,701 |
| Loan and lease loss provision to assets | 0.3455% | 3,308 |
| Net operating income to assets | 0.4946% | 4,417 |
| Return on assets (ROA) | 1.0733% | 1,994 |
| Pretax return on assets | 1.4302% | 1,691 |
| Return on Equity (ROE) | 12.2615% | 1,425 |
| Retained earnings to average equity (ytd only) | 12.2615% | 710 |
| Net charge-offs to loans | 0.1322% | 4,165 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 17.4400% | 1,283 |
| Efficiency ratio | 76.3942% | 3,151 |
| Assets per employee ($millions) | 3.8717% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6309% | 3,323 |
| Loan loss allowance to noncurrent loans | 110.9304% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.7714% | 5,605 |
| Noncurrent loans to loans | 1.4702% | 4,537 |
| Net loans and leases to total assets | 42.5137% | 7,091 |
| Net loans and leases to deposits | 46.9588% | 7,281 |
| Net loans and leases to core deposits | 51.8868% | 7,211 |
| Total domestic deposits to total assets | 90.5341% | 722 |
| Equity capital to assets | 8.8167% | 5,521 |
| Core capital (leverage) ratio | 8.0863% | 6,106 |
| Tier 1 risk-based capital ratio | 16.6109% | 2,407 |
| Total risk-based capital ratio | 17.8632% | 2,359 |
| Memoranda: | ||
| Average total assets | $173,678,000 | 3,598 |
| Average earning assets | $164,512,500 | 3,487 |
| Average equity | $15,202,000 | 3,982 |
| Average total loans | $75,618,000 | 4,651 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4476% | 4,448 |
| Cost of funding earning assets | 1.4810% | 5,591 |
| Net interest margin | 3.9666% | 2,996 |
| Noninterest income to average assets | 0.5971% | 3,651 |
| Noninterest expense to average assets | 3.0594% | 3,909 |
| Loan and lease loss provision to assets | 0.2866% | 5,135 |
| Net operating income to assets | 0.7523% | 2,710 |
| Return on assets (ROA) | 0.7523% | 2,802 |
| Pretax return on assets | 0.9899% | 2,623 |
| Return on Equity (ROE) | 8.6306% | 2,156 |
| Retained earnings to average equity (ytd only) | 4.8633% | 1,894 |
| Net charge-offs to loans | 0.0014% | 7,235 |
| Credit loss provision to net charge-offs | 48,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 2,138.0000% | 7 |
| Efficiency ratio | 70.5591% | 4,514 |
| Assets per employee ($millions) | 3.8473% | 4,152 |
| Cash dividends to net income (ytd only)* | 43.6508% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 3,953 |
| Loan loss allowance to noncurrent loans | 110.4000% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.7347% | 5,643 |
| Noncurrent loans to loans | 1.3169% | 4,723 |
| Net loans and leases to total assets | 43.2242% | 7,164 |
| Net loans and leases to deposits | 49.2708% | 7,301 |
| Net loans and leases to core deposits | 61.3177% | 7,217 |
| Total domestic deposits to total assets | 87.7277% | 2,107 |
| Equity capital to assets | 8.6888% | 5,601 |
| Core capital (leverage) ratio | 8.0493% | 6,087 |
| Tier 1 risk-based capital ratio | 15.9360% | 2,551 |
| Total risk-based capital ratio | 17.1864% | 2,476 |
| Memoranda: | ||
| Average total assets | $167,485,600 | 3,651 |
| Average earning assets | $157,866,800 | 3,557 |
| Average equity | $14,599,200 | 4,126 |
| Average total loans | $73,408,800 | 4,754 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4917% | 4,454 |
| Cost of funding earning assets | 1.5254% | 5,729 |
| Net interest margin | 3.9663% | 2,956 |
| Noninterest income to average assets | 0.6471% | 3,365 |
| Noninterest expense to average assets | 2.9825% | 4,117 |
| Loan and lease loss provision to assets | 0.3051% | 4,534 |
| Net operating income to assets | 0.8486% | 2,623 |
| Return on assets (ROA) | 0.8486% | 2,690 |
| Pretax return on assets | 1.0919% | 2,607 |
| Return on Equity (ROE) | 9.7272% | 2,021 |
| Retained earnings to average equity (ytd only) | 7.1965% | 1,435 |
| Net charge-offs to loans | 0.1099% | 5,581 |
| Credit loss provision to net charge-offs | 633.3333% | 594 |
| Earnings coverage of net charge-offs (x) | 28.9993% | 952 |
| Efficiency ratio | 68.1027% | 4,954 |
| Assets per employee ($millions) | 3.6032% | 4,675 |
| Cash dividends to net income (ytd only)* | 26.0172% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 4,580 |
| Loan loss allowance to noncurrent loans | 450.0000% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 6,742 |
| Noncurrent loans to loans | 0.2862% | 6,796 |
| Net loans and leases to total assets | 42.7703% | 7,322 |
| Net loans and leases to deposits | 48.9448% | 7,462 |
| Net loans and leases to core deposits | 61.3321% | 7,350 |
| Total domestic deposits to total assets | 87.3848% | 1,955 |
| Equity capital to assets | 9.0687% | 5,383 |
| Core capital (leverage) ratio | 8.2796% | 5,871 |
| Tier 1 risk-based capital ratio | 16.3823% | 2,479 |
| Total risk-based capital ratio | 17.5043% | 2,472 |
| Memoranda: | ||
| Average total assets | $166,074,500 | 3,690 |
| Average earning assets | $156,280,500 | 3,612 |
| Average equity | $14,488,250 | 4,190 |
| Average total loans | $72,776,500 | 4,819 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4093% | 5,101 |
| Cost of funding earning assets | 1.5754% | 5,821 |
| Net interest margin | 3.8340% | 3,395 |
| Noninterest income to average assets | 0.6437% | 3,387 |
| Noninterest expense to average assets | 2.9918% | 4,116 |
| Loan and lease loss provision to assets | 0.2788% | 4,344 |
| Net operating income to assets | 0.7746% | 2,958 |
| Return on assets (ROA) | 0.7746% | 3,060 |
| Pretax return on assets | 0.9783% | 3,089 |
| Return on Equity (ROE) | 9.0011% | 2,359 |
| Retained earnings to average equity (ytd only) | 5.1274% | 2,439 |
| Net charge-offs to loans | 0.1681% | 4,542 |
| Credit loss provision to net charge-offs | 377.0492% | 1,233 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,502 |
| Efficiency ratio | 70.4137% | 4,697 |
| Assets per employee ($millions) | 3.6348% | 4,485 |
| Cash dividends to net income (ytd only)* | 43.0360% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 5,670 |
| Loan loss allowance to noncurrent loans | 309.7656% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 6,519 |
| Noncurrent loans to loans | 0.3518% | 6,631 |
| Net loans and leases to total assets | 43.0447% | 7,392 |
| Net loans and leases to deposits | 48.9189% | 7,525 |
| Net loans and leases to core deposits | 58.3890% | 7,508 |
| Total domestic deposits to total assets | 87.9918% | 1,781 |
| Equity capital to assets | 8.5740% | 5,939 |
| Core capital (leverage) ratio | 7.9384% | 6,434 |
| Tier 1 risk-based capital ratio | 16.3294% | 2,507 |
| Total risk-based capital ratio | 17.2972% | 2,553 |
| Memoranda: | ||
| Average total assets | $164,982,330 | 3,717 |
| Average earning assets | $155,139,670 | 3,649 |
| Average equity | $14,198,330 | 4,263 |
| Average total loans | $72,576,330 | 4,861 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3884% | 5,482 |
| Cost of funding earning assets | 1.6295% | 5,904 |
| Net interest margin | 3.7589% | 3,622 |
| Noninterest income to average assets | 0.7079% | 2,841 |
| Noninterest expense to average assets | 2.9145% | 4,110 |
| Loan and lease loss provision to assets | 0.2319% | 4,130 |
| Net operating income to assets | 0.8446% | 2,932 |
| Return on assets (ROA) | 0.8446% | 3,080 |
| Pretax return on assets | 1.0862% | 3,041 |
| Return on Equity (ROE) | 9.7951% | 2,403 |
| Retained earnings to average equity (ytd only) | 9.7951% | 1,252 |
| Net charge-offs to loans | 0.3366% | 2,744 |
| Credit loss provision to net charge-offs | 155.7377% | 2,698 |
| Earnings coverage of net charge-offs (x) | 8.8525% | 2,137 |
| Efficiency ratio | 68.8581% | 4,805 |
| Assets per employee ($millions) | 3.9060% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 6,691 |
| Loan loss allowance to noncurrent loans | 303.2258% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 5,939 |
| Noncurrent loans to loans | 0.3006% | 6,689 |
| Net loans and leases to total assets | 40.7002% | 7,534 |
| Net loans and leases to deposits | 48.4396% | 7,559 |
| Net loans and leases to core deposits | 56.9479% | 7,568 |
| Total domestic deposits to total assets | 84.0227% | 3,689 |
| Equity capital to assets | 8.2575% | 6,452 |
| Core capital (leverage) ratio | 8.5376% | 5,457 |
| Tier 1 risk-based capital ratio | 16.0841% | 2,662 |
| Total risk-based capital ratio | 16.8761% | 2,744 |
| Memoranda: | ||
| Average total assets | $163,872,000 | 3,764 |
| Average earning assets | $153,664,000 | 3,687 |
| Average equity | $14,129,500 | 4,308 |
| Average total loans | $72,482,000 | 4,888 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9388% | 5,858 |
| Cost of funding earning assets | 2.2174% | 5,519 |
| Net interest margin | 3.7214% | 4,377 |
| Noninterest income to average assets | 0.7322% | 2,889 |
| Noninterest expense to average assets | 2.8243% | 4,717 |
| Loan and lease loss provision to assets | 0.1480% | 5,467 |
| Net operating income to assets | 0.9697% | 2,693 |
| Return on assets (ROA) | 0.9697% | 2,573 |
| Pretax return on assets | 1.2533% | 2,470 |
| Return on Equity (ROE) | 11.3306% | 1,810 |
| Retained earnings to average equity (ytd only) | 6.9106% | 1,187 |
| Net charge-offs to loans | 0.4939% | 2,383 |
| Credit loss provision to net charge-offs | 66.1765% | 6,138 |
| Earnings coverage of net charge-offs (x) | 6.2647% | 3,406 |
| Efficiency ratio | 66.8379% | 4,934 |
| Assets per employee ($millions) | 3.3772% | 5,007 |
| Cash dividends to net income (ytd only)* | 39.0095% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8575% | 6,864 |
| Loan loss allowance to noncurrent loans | 202.5974% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 5,120 |
| Noncurrent loans to loans | 0.4233% | 6,075 |
| Net loans and leases to total assets | 47.4707% | 7,226 |
| Net loans and leases to deposits | 60.0900% | 7,080 |
| Net loans and leases to core deposits | 72.3190% | 7,059 |
| Total domestic deposits to total assets | 78.9993% | 5,378 |
| Equity capital to assets | 9.0442% | 5,317 |
| Core capital (leverage) ratio | 8.5465% | 5,484 |
| Tier 1 risk-based capital ratio | 16.5381% | 2,472 |
| Total risk-based capital ratio | 17.3310% | 2,579 |
| Memoranda: | ||
| Average total assets | $152,003,000 | 3,868 |
| Average earning assets | $142,687,600 | 3,792 |
| Average equity | $13,009,000 | 4,573 |
| Average total loans | $68,843,400 | 4,914 |