Home > Brighton Bank > Performance and Condition Ratios
Brighton Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0963% | 564 |
| Cost of funding earning assets | 0.6698% | 3,969 |
| Net interest margin | 5.4265% | 201 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.8081% | 1,474 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 2.6795% | 211 |
| Return on assets (ROA) | 2.6795% | 209 |
| Pretax return on assets | 2.6795% | 287 |
| Return on Equity (ROE) | 30.4800% | 175 |
| Retained earnings to average equity (ytd only) | 5.6942% | 2,356 |
| Net charge-offs to loans | -0.0010% | 3,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.9391% | 3,915 |
| Assets per employee ($millions) | 6.1130% | 2,722 |
| Cash dividends to net income (ytd only)* | 81.3162% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 1,672 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 67.8700% | 2,054 |
| Net loans and leases to deposits | 78.9856% | 2,188 |
| Net loans and leases to core deposits | 84.3944% | 2,427 |
| Total domestic deposits to total assets | 85.9200% | 2,049 |
| Equity capital to assets | 9.5709% | 2,294 |
| Core capital (leverage) ratio | 11.7317% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $299,422,200 | 2,430 |
| Average earning assets | $281,892,800 | 2,404 |
| Average equity | $26,325,000 | 2,445 |
| Average total loans | $202,640,200 | 2,269 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0081% | 526 |
| Cost of funding earning assets | 0.5694% | 4,029 |
| Net interest margin | 5.4387% | 194 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.7612% | 1,519 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.7067% | 215 |
| Return on assets (ROA) | 2.7067% | 213 |
| Pretax return on assets | 2.7067% | 308 |
| Return on Equity (ROE) | 31.4700% | 199 |
| Retained earnings to average equity (ytd only) | 7.5562% | 2,119 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.1933% | 3,899 |
| Assets per employee ($millions) | 6.4012% | 2,401 |
| Cash dividends to net income (ytd only)* | 75.9862% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 1,857 |
| Loan loss allowance to noncurrent loans | 181.7314% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 1,164 |
| Noncurrent loans to loans | 0.7169% | 1,157 |
| Net loans and leases to total assets | 68.5900% | 1,989 |
| Net loans and leases to deposits | 78.7995% | 2,164 |
| Net loans and leases to core deposits | 83.2531% | 2,375 |
| Total domestic deposits to total assets | 87.0400% | 1,882 |
| Equity capital to assets | 8.5660% | 2,685 |
| Core capital (leverage) ratio | 11.3624% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $300,922,250 | 2,427 |
| Average earning assets | $283,077,750 | 2,397 |
| Average equity | $25,885,500 | 2,457 |
| Average total loans | $202,849,000 | 2,268 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9070% | 500 |
| Cost of funding earning assets | 0.4329% | 4,113 |
| Net interest margin | 5.4741% | 176 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.7544% | 1,516 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.7386% | 191 |
| Return on assets (ROA) | 2.7386% | 189 |
| Pretax return on assets | 2.7386% | 271 |
| Return on Equity (ROE) | 31.7900% | 185 |
| Retained earnings to average equity (ytd only) | 8.0670% | 1,940 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.6964% | 3,954 |
| Assets per employee ($millions) | 6.6482% | 2,177 |
| Cash dividends to net income (ytd only)* | 74.6265% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 1,818 |
| Loan loss allowance to noncurrent loans | 181.9795% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4897% | 1,111 |
| Noncurrent loans to loans | 0.7285% | 1,027 |
| Net loans and leases to total assets | 66.3300% | 2,119 |
| Net loans and leases to deposits | 76.2505% | 2,289 |
| Net loans and leases to core deposits | 77.4450% | 2,661 |
| Total domestic deposits to total assets | 86.9900% | 1,928 |
| Equity capital to assets | 8.7145% | 2,710 |
| Core capital (leverage) ratio | 11.2283% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $303,078,333 | 2,426 |
| Average earning assets | $285,052,000 | 2,394 |
| Average equity | $26,106,333 | 2,458 |
| Average total loans | $202,254,333 | 2,274 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8684% | 376 |
| Cost of funding earning assets | 0.1800% | 4,409 |
| Net interest margin | 5.6884% | 121 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.7564% | 1,537 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 2.8758% | 168 |
| Return on assets (ROA) | 2.8758% | 166 |
| Pretax return on assets | 2.8758% | 229 |
| Return on Equity (ROE) | 33.5800% | 180 |
| Retained earnings to average equity (ytd only) | 29.1839% | 119 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.1007% | 4,076 |
| Assets per employee ($millions) | 6.8967% | 2,048 |
| Cash dividends to net income (ytd only)* | 13.0871% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 1,925 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 65.0600% | 2,147 |
| Net loans and leases to deposits | 74.6048% | 2,250 |
| Net loans and leases to core deposits | 75.5778% | 2,562 |
| Total domestic deposits to total assets | 87.2000% | 2,187 |
| Equity capital to assets | 8.7614% | 2,689 |
| Core capital (leverage) ratio | 11.5602% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $305,033,000 | 2,438 |
| Average earning assets | $286,689,000 | 2,418 |
| Average equity | $26,124,000 | 2,480 |
| Average total loans | $202,831,000 | 2,283 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 431 |
| Cost of funding earning assets | 0.0264% | 4,617 |
| Net interest margin | 4.7734% | 181 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.4335% | 2,324 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 2.7668% | 125 |
| Return on assets (ROA) | 2.7668% | 121 |
| Pretax return on assets | 2.7668% | 154 |
| Return on Equity (ROE) | 33.4600% | 81 |
| Retained earnings to average equity (ytd only) | 9.2604% | 1,401 |
| Net charge-offs to loans | 0.0005% | 2,586 |
| Credit loss provision to net charge-offs | 37,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 9,028.0000% | 11 |
| Efficiency ratio | 45.7550% | 4,359 |
| Assets per employee ($millions) | 6.4747% | 2,355 |
| Cash dividends to net income (ytd only)* | 72.3262% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 1,848 |
| Loan loss allowance to noncurrent loans | 11,977.2727% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 3,832 |
| Noncurrent loans to loans | 0.0109% | 3,760 |
| Net loans and leases to total assets | 66.6200% | 1,966 |
| Net loans and leases to deposits | 72.9324% | 2,333 |
| Net loans and leases to core deposits | 73.0941% | 2,643 |
| Total domestic deposits to total assets | 91.3400% | 828 |
| Equity capital to assets | 8.4130% | 2,764 |
| Core capital (leverage) ratio | 10.6444% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $312,926,200 | 2,386 |
| Average earning assets | $295,006,800 | 2,366 |
| Average equity | $25,873,600 | 2,541 |
| Average total loans | $191,760,000 | 2,297 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 516 |
| Cost of funding earning assets | 0.0166% | 4,667 |
| Net interest margin | 4.4541% | 257 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 2.3568% | 2,452 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 2.6902% | 131 |
| Return on assets (ROA) | 2.6902% | 127 |
| Pretax return on assets | 2.6902% | 174 |
| Return on Equity (ROE) | 32.6700% | 77 |
| Retained earnings to average equity (ytd only) | 11.5856% | 895 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.7615% | 4,393 |
| Assets per employee ($millions) | 6.8791% | 2,037 |
| Cash dividends to net income (ytd only)* | 64.5383% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,205 |
| Loan loss allowance to noncurrent loans | 483.8150% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 2,447 |
| Noncurrent loans to loans | 0.2611% | 2,330 |
| Net loans and leases to total assets | 63.4100% | 2,151 |
| Net loans and leases to deposits | 68.9177% | 2,460 |
| Net loans and leases to core deposits | 69.0632% | 2,718 |
| Total domestic deposits to total assets | 92.0000% | 874 |
| Equity capital to assets | 7.7575% | 3,050 |
| Core capital (leverage) ratio | 10.8681% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $316,698,250 | 2,386 |
| Average earning assets | $298,057,750 | 2,367 |
| Average equity | $26,077,750 | 2,567 |
| Average total loans | $189,438,500 | 2,317 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 728 |
| Cost of funding earning assets | 0.0140% | 4,736 |
| Net interest margin | 4.1165% | 383 |
| Noninterest income to average assets | 0.6036% | 1,726 |
| Noninterest expense to average assets | 2.2960% | 2,561 |
| Loan and lease loss provision to assets | 0.1066% | 936 |
| Net operating income to assets | 2.0685% | 200 |
| Return on assets (ROA) | 2.0685% | 202 |
| Pretax return on assets | 2.0685% | 326 |
| Return on Equity (ROE) | 24.6585% | 123 |
| Retained earnings to average equity (ytd only) | 5.2679% | 2,600 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3529% | 4,175 |
| Assets per employee ($millions) | 7.2896% | 1,745 |
| Cash dividends to net income (ytd only)* | 78.6364% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 2,409 |
| Loan loss allowance to noncurrent loans | 455.3271% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 2,484 |
| Noncurrent loans to loans | 0.2758% | 2,371 |
| Net loans and leases to total assets | 62.5625% | 2,061 |
| Net loans and leases to deposits | 67.6246% | 2,419 |
| Net loans and leases to core deposits | 67.7679% | 2,673 |
| Total domestic deposits to total assets | 92.5145% | 647 |
| Equity capital to assets | 7.2660% | 3,616 |
| Core capital (leverage) ratio | 9.6299% | 2,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,078,000 | 2,388 |
| Average earning assets | $299,769,333 | 2,384 |
| Average equity | $26,765,667 | 2,598 |
| Average total loans | $186,321,333 | 2,338 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8824% | 951 |
| Cost of funding earning assets | 0.0144% | 4,748 |
| Net interest margin | 3.8680% | 543 |
| Noninterest income to average assets | 0.8429% | 947 |
| Noninterest expense to average assets | 2.3592% | 2,305 |
| Loan and lease loss provision to assets | 0.0614% | 1,313 |
| Net operating income to assets | 2.0618% | 201 |
| Return on assets (ROA) | 2.0618% | 198 |
| Pretax return on assets | 2.0618% | 318 |
| Return on Equity (ROE) | 23.1245% | 121 |
| Retained earnings to average equity (ytd only) | 16.9782% | 181 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6316% | 4,147 |
| Assets per employee ($millions) | 7.3008% | 1,799 |
| Cash dividends to net income (ytd only)* | 26.5793% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 2,585 |
| Loan loss allowance to noncurrent loans | 431.2849% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 2,656 |
| Noncurrent loans to loans | 0.2905% | 2,431 |
| Net loans and leases to total assets | 55.5648% | 2,568 |
| Net loans and leases to deposits | 60.8449% | 2,825 |
| Net loans and leases to core deposits | 61.0275% | 3,061 |
| Total domestic deposits to total assets | 91.3221% | 877 |
| Equity capital to assets | 8.4876% | 3,169 |
| Core capital (leverage) ratio | 9.5713% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,535,000 | 2,367 |
| Average earning assets | $306,305,500 | 2,360 |
| Average equity | $29,025,500 | 2,535 |
| Average total loans | $182,492,000 | 2,360 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 771 |
| Cost of funding earning assets | 0.0324% | 4,751 |
| Net interest margin | 4.3266% | 378 |
| Noninterest income to average assets | 0.5213% | 2,478 |
| Noninterest expense to average assets | 2.2953% | 2,809 |
| Loan and lease loss provision to assets | 0.0171% | 2,733 |
| Net operating income to assets | 2.2677% | 215 |
| Return on assets (ROA) | 2.2677% | 225 |
| Pretax return on assets | 2.2677% | 362 |
| Return on Equity (ROE) | 22.2895% | 206 |
| Retained earnings to average equity (ytd only) | 5.9622% | 2,377 |
| Net charge-offs to loans | -0.0012% | 3,298 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1155% | 4,275 |
| Assets per employee ($millions) | 7.0116% | 1,918 |
| Cash dividends to net income (ytd only)* | 73.2511% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 2,580 |
| Loan loss allowance to noncurrent loans | 410.5072% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 2,736 |
| Noncurrent loans to loans | 0.3065% | 2,494 |
| Net loans and leases to total assets | 55.1420% | 2,717 |
| Net loans and leases to deposits | 60.9856% | 2,993 |
| Net loans and leases to core deposits | 61.1756% | 3,231 |
| Total domestic deposits to total assets | 90.4180% | 756 |
| Equity capital to assets | 9.3528% | 3,271 |
| Core capital (leverage) ratio | 9.4331% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,122,400 | 2,465 |
| Average earning assets | $274,975,000 | 2,458 |
| Average equity | $29,821,200 | 2,546 |
| Average total loans | $170,568,400 | 2,460 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5385% | 626 |
| Cost of funding earning assets | 0.0388% | 4,818 |
| Net interest margin | 4.4997% | 316 |
| Noninterest income to average assets | 0.4470% | 2,852 |
| Noninterest expense to average assets | 2.3128% | 2,714 |
| Loan and lease loss provision to assets | 0.0234% | 2,525 |
| Net operating income to assets | 2.3286% | 264 |
| Return on assets (ROA) | 2.3286% | 273 |
| Pretax return on assets | 2.3286% | 443 |
| Return on Equity (ROE) | 22.3794% | 282 |
| Retained earnings to average equity (ytd only) | 6.5555% | 2,597 |
| Net charge-offs to loans | -0.0016% | 3,182 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5799% | 4,258 |
| Assets per employee ($millions) | 6.8503% | 1,977 |
| Cash dividends to net income (ytd only)* | 70.7073% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 2,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 52.6662% | 3,120 |
| Net loans and leases to deposits | 58.5497% | 3,360 |
| Net loans and leases to core deposits | 58.7954% | 3,564 |
| Total domestic deposits to total assets | 89.9514% | 793 |
| Equity capital to assets | 9.8108% | 3,092 |
| Core capital (leverage) ratio | 9.9578% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,769,750 | 2,523 |
| Average earning assets | $267,864,500 | 2,519 |
| Average equity | $29,735,000 | 2,585 |
| Average total loans | $168,181,250 | 2,521 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 534 |
| Cost of funding earning assets | 0.0469% | 4,838 |
| Net interest margin | 4.6511% | 288 |
| Noninterest income to average assets | 0.4133% | 3,044 |
| Noninterest expense to average assets | 2.3854% | 2,512 |
| Loan and lease loss provision to assets | 0.0359% | 2,278 |
| Net operating income to assets | 2.3437% | 267 |
| Return on assets (ROA) | 2.3437% | 285 |
| Pretax return on assets | 2.3437% | 449 |
| Return on Equity (ROE) | 22.0594% | 310 |
| Retained earnings to average equity (ytd only) | 5.9529% | 2,822 |
| Net charge-offs to loans | -0.0012% | 3,109 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0603% | 4,232 |
| Assets per employee ($millions) | 6.1549% | 2,476 |
| Cash dividends to net income (ytd only)* | 73.0144% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,525 |
| Loan loss allowance to noncurrent loans | 400.1767% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 2,949 |
| Noncurrent loans to loans | 0.3204% | 2,769 |
| Net loans and leases to total assets | 61.5905% | 2,225 |
| Net loans and leases to deposits | 68.9743% | 2,519 |
| Net loans and leases to core deposits | 69.3757% | 2,838 |
| Total domestic deposits to total assets | 89.2948% | 1,145 |
| Equity capital to assets | 10.4516% | 2,435 |
| Core capital (leverage) ratio | 10.1554% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,272,333 | 2,560 |
| Average earning assets | $260,368,667 | 2,555 |
| Average equity | $29,565,667 | 2,593 |
| Average total loans | $169,370,000 | 2,515 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8806% | 426 |
| Cost of funding earning assets | 0.0511% | 4,865 |
| Net interest margin | 4.8294% | 232 |
| Noninterest income to average assets | 0.4379% | 2,877 |
| Noninterest expense to average assets | 2.4361% | 2,374 |
| Loan and lease loss provision to assets | 0.0363% | 2,291 |
| Net operating income to assets | 2.4840% | 272 |
| Return on assets (ROA) | 2.4840% | 297 |
| Pretax return on assets | 2.4840% | 448 |
| Return on Equity (ROE) | 23.1855% | 327 |
| Retained earnings to average equity (ytd only) | 17.1489% | 413 |
| Net charge-offs to loans | -0.0024% | 3,173 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1516% | 4,255 |
| Assets per employee ($millions) | 6.2725% | 2,348 |
| Cash dividends to net income (ytd only)* | 26.0362% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 2,320 |
| Loan loss allowance to noncurrent loans | 397.1631% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 3,160 |
| Noncurrent loans to loans | 0.3336% | 2,901 |
| Net loans and leases to total assets | 59.1015% | 2,662 |
| Net loans and leases to deposits | 66.2632% | 2,893 |
| Net loans and leases to core deposits | 66.7033% | 3,184 |
| Total domestic deposits to total assets | 89.1920% | 1,246 |
| Equity capital to assets | 10.6114% | 2,157 |
| Core capital (leverage) ratio | 10.6053% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,846,000 | 2,567 |
| Average earning assets | $258,085,500 | 2,556 |
| Average equity | $29,553,000 | 2,580 |
| Average total loans | $165,733,500 | 2,546 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9568% | 532 |
| Cost of funding earning assets | 0.1089% | 4,844 |
| Net interest margin | 4.8479% | 158 |
| Noninterest income to average assets | 0.5984% | 2,217 |
| Noninterest expense to average assets | 2.5149% | 2,801 |
| Loan and lease loss provision to assets | 0.0745% | 3,449 |
| Net operating income to assets | 2.4768% | 139 |
| Return on assets (ROA) | 2.4768% | 144 |
| Pretax return on assets | 2.4768% | 195 |
| Return on Equity (ROE) | 22.3153% | 153 |
| Retained earnings to average equity (ytd only) | 4.2186% | 2,703 |
| Net charge-offs to loans | -0.0006% | 3,913 |
| Credit loss provision to net charge-offs | -19,000.0000% | 4,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6401% | 4,558 |
| Assets per employee ($millions) | 5.8572% | 2,490 |
| Cash dividends to net income (ytd only)* | 81.0956% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 2,131 |
| Loan loss allowance to noncurrent loans | 392.5532% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 3,241 |
| Noncurrent loans to loans | 0.3473% | 2,957 |
| Net loans and leases to total assets | 59.4559% | 2,925 |
| Net loans and leases to deposits | 66.9587% | 3,189 |
| Net loans and leases to core deposits | 67.2844% | 3,455 |
| Total domestic deposits to total assets | 88.7949% | 1,077 |
| Equity capital to assets | 10.8206% | 2,412 |
| Core capital (leverage) ratio | 10.5213% | 2,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,004,000 | 2,545 |
| Average earning assets | $235,010,200 | 2,557 |
| Average equity | $28,303,400 | 2,586 |
| Average total loans | $161,103,200 | 2,558 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0035% | 600 |
| Cost of funding earning assets | 0.0902% | 4,943 |
| Net interest margin | 4.9134% | 164 |
| Noninterest income to average assets | 0.4153% | 3,007 |
| Noninterest expense to average assets | 2.5054% | 2,821 |
| Loan and lease loss provision to assets | 0.0529% | 3,688 |
| Net operating income to assets | 2.3659% | 167 |
| Return on assets (ROA) | 2.3659% | 175 |
| Pretax return on assets | 2.3659% | 255 |
| Return on Equity (ROE) | 21.1737% | 200 |
| Retained earnings to average equity (ytd only) | 3.6215% | 3,240 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8778% | 4,425 |
| Assets per employee ($millions) | 6.3046% | 1,991 |
| Cash dividends to net income (ytd only)* | 82.8962% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 2,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 64.1568% | 2,752 |
| Net loans and leases to deposits | 79.7342% | 2,344 |
| Net loans and leases to core deposits | 80.5140% | 2,800 |
| Total domestic deposits to total assets | 80.4634% | 3,771 |
| Equity capital to assets | 10.1298% | 3,114 |
| Core capital (leverage) ratio | 9.7162% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,397,500 | 2,552 |
| Average earning assets | $230,711,250 | 2,573 |
| Average equity | $28,090,750 | 2,591 |
| Average total loans | $160,777,500 | 2,565 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3427% | 449 |
| Cost of funding earning assets | 0.1051% | 4,962 |
| Net interest margin | 5.2377% | 130 |
| Noninterest income to average assets | 0.4222% | 2,957 |
| Noninterest expense to average assets | 2.6597% | 2,491 |
| Loan and lease loss provision to assets | 0.0831% | 3,245 |
| Net operating income to assets | 2.4860% | 143 |
| Return on assets (ROA) | 2.4860% | 156 |
| Pretax return on assets | 2.4860% | 218 |
| Return on Equity (ROE) | 21.4603% | 185 |
| Retained earnings to average equity (ytd only) | 6.2064% | 1,984 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8663% | 4,454 |
| Assets per employee ($millions) | 6.2105% | 2,016 |
| Cash dividends to net income (ytd only)* | 71.0799% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 2,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 60.1595% | 3,303 |
| Net loans and leases to deposits | 74.6314% | 3,016 |
| Net loans and leases to core deposits | 75.4625% | 3,333 |
| Total domestic deposits to total assets | 80.6089% | 3,700 |
| Equity capital to assets | 10.0923% | 3,113 |
| Core capital (leverage) ratio | 10.2174% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,627,333 | 2,604 |
| Average earning assets | $220,823,333 | 2,621 |
| Average equity | $27,874,667 | 2,593 |
| Average total loans | $152,989,333 | 2,632 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3485% | 498 |
| Cost of funding earning assets | 0.1161% | 5,023 |
| Net interest margin | 5.2324% | 137 |
| Noninterest income to average assets | 0.5429% | 2,317 |
| Noninterest expense to average assets | 2.9821% | 1,924 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.3530% | 141 |
| Return on assets (ROA) | 2.3530% | 156 |
| Pretax return on assets | 2.3530% | 218 |
| Return on Equity (ROE) | 18.7327% | 224 |
| Retained earnings to average equity (ytd only) | 12.8486% | 334 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8955% | 4,215 |
| Assets per employee ($millions) | 4.8104% | 2,863 |
| Cash dividends to net income (ytd only)* | 31.4108% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 64.4813% | 3,006 |
| Net loans and leases to deposits | 74.1311% | 3,260 |
| Net loans and leases to core deposits | 75.1396% | 3,559 |
| Total domestic deposits to total assets | 86.9827% | 1,559 |
| Equity capital to assets | 12.7757% | 1,563 |
| Core capital (leverage) ratio | 12.6996% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,100,000 | 2,728 |
| Average earning assets | $199,755,500 | 2,744 |
| Average equity | $27,396,000 | 2,612 |
| Average total loans | $142,489,500 | 2,706 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5226% | 541 |
| Cost of funding earning assets | 0.0873% | 5,117 |
| Net interest margin | 5.4353% | 127 |
| Noninterest income to average assets | 0.6369% | 2,058 |
| Noninterest expense to average assets | 2.8640% | 2,399 |
| Loan and lease loss provision to assets | 0.1008% | 2,043 |
| Net operating income to assets | 2.6435% | 111 |
| Return on assets (ROA) | 2.6563% | 115 |
| Pretax return on assets | 2.6563% | 159 |
| Return on Equity (ROE) | 21.2258% | 156 |
| Retained earnings to average equity (ytd only) | 3.8699% | 3,034 |
| Net charge-offs to loans | 0.0007% | 3,702 |
| Credit loss provision to net charge-offs | 21,200.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 5,774.0000% | 6 |
| Efficiency ratio | 51.0678% | 4,665 |
| Assets per employee ($millions) | 4.8830% | 2,726 |
| Cash dividends to net income (ytd only)* | 81.7678% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 1,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 64.3291% | 3,154 |
| Net loans and leases to deposits | 73.6432% | 3,383 |
| Net loans and leases to core deposits | 74.5258% | 3,677 |
| Total domestic deposits to total assets | 87.3524% | 1,431 |
| Equity capital to assets | 12.3499% | 1,916 |
| Core capital (leverage) ratio | 12.6477% | 1,409 |
| Tier 1 risk-based capital ratio | 16.8531% | 2,102 |
| Total risk-based capital ratio | 18.1033% | 2,044 |
| Memoranda: | ||
| Average total assets | $210,405,600 | 2,751 |
| Average earning assets | $192,444,600 | 2,777 |
| Average equity | $26,331,200 | 2,610 |
| Average total loans | $134,901,000 | 2,778 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4572% | 636 |
| Cost of funding earning assets | 0.0824% | 5,199 |
| Net interest margin | 5.3748% | 144 |
| Noninterest income to average assets | 0.6536% | 1,972 |
| Noninterest expense to average assets | 2.8649% | 2,359 |
| Loan and lease loss provision to assets | 0.1102% | 1,766 |
| Net operating income to assets | 2.6099% | 141 |
| Return on assets (ROA) | 2.6272% | 143 |
| Pretax return on assets | 2.6272% | 194 |
| Return on Equity (ROE) | 20.9207% | 200 |
| Retained earnings to average equity (ytd only) | 3.8933% | 3,453 |
| Net charge-offs to loans | 0.0010% | 3,424 |
| Credit loss provision to net charge-offs | 17,200.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 4,255.5338% | 9 |
| Efficiency ratio | 51.2965% | 4,653 |
| Assets per employee ($millions) | 4.6371% | 2,996 |
| Cash dividends to net income (ytd only)* | 81.3902% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 1,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.6684% | 2,680 |
| Net loans and leases to deposits | 79.0802% | 3,005 |
| Net loans and leases to core deposits | 79.6172% | 3,419 |
| Total domestic deposits to total assets | 86.8338% | 1,602 |
| Equity capital to assets | 12.8393% | 1,713 |
| Core capital (leverage) ratio | 12.8657% | 1,396 |
| Tier 1 risk-based capital ratio | 16.6526% | 2,206 |
| Total risk-based capital ratio | 17.9017% | 2,138 |
| Memoranda: | ||
| Average total assets | $208,073,500 | 2,795 |
| Average earning assets | $190,910,250 | 2,809 |
| Average equity | $26,129,750 | 2,631 |
| Average total loans | $132,782,250 | 2,823 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3632% | 722 |
| Cost of funding earning assets | 0.0800% | 5,244 |
| Net interest margin | 5.2832% | 170 |
| Noninterest income to average assets | 0.6639% | 1,859 |
| Noninterest expense to average assets | 2.8681% | 2,359 |
| Loan and lease loss provision to assets | 0.1078% | 1,745 |
| Net operating income to assets | 2.5150% | 149 |
| Return on assets (ROA) | 2.5410% | 150 |
| Pretax return on assets | 2.5410% | 223 |
| Return on Equity (ROE) | 20.3867% | 230 |
| Retained earnings to average equity (ytd only) | 3.4814% | 3,496 |
| Net charge-offs to loans | -0.0016% | 3,923 |
| Credit loss provision to net charge-offs | -11,200.0000% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2341% | 4,638 |
| Assets per employee ($millions) | 4.3755% | 3,323 |
| Cash dividends to net income (ytd only)* | 82.9231% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 1,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 64.9501% | 3,245 |
| Net loans and leases to deposits | 74.7472% | 3,450 |
| Net loans and leases to core deposits | 75.1344% | 3,808 |
| Total domestic deposits to total assets | 86.8931% | 1,642 |
| Equity capital to assets | 12.8521% | 1,661 |
| Core capital (leverage) ratio | 12.7912% | 1,411 |
| Tier 1 risk-based capital ratio | 17.3316% | 1,989 |
| Total risk-based capital ratio | 18.5817% | 1,944 |
| Memoranda: | ||
| Average total assets | $207,874,330 | 2,802 |
| Average earning assets | $189,924,000 | 2,829 |
| Average equity | $25,909,000 | 2,641 |
| Average total loans | $128,618,330 | 2,887 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1993% | 916 |
| Cost of funding earning assets | 0.0773% | 5,308 |
| Net interest margin | 5.1219% | 233 |
| Noninterest income to average assets | 0.7254% | 1,528 |
| Noninterest expense to average assets | 2.8480% | 2,421 |
| Loan and lease loss provision to assets | 0.1072% | 1,661 |
| Net operating income to assets | 2.4614% | 173 |
| Return on assets (ROA) | 2.4614% | 182 |
| Pretax return on assets | 2.4614% | 266 |
| Return on Equity (ROE) | 20.0558% | 261 |
| Retained earnings to average equity (ytd only) | 14.0983% | 345 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5795% | 4,653 |
| Assets per employee ($millions) | 4.6470% | 2,982 |
| Cash dividends to net income (ytd only)* | 29.7045% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 59.8282% | 3,728 |
| Net loans and leases to deposits | 68.6322% | 3,874 |
| Net loans and leases to core deposits | 68.8664% | 4,135 |
| Total domestic deposits to total assets | 87.1723% | 1,732 |
| Equity capital to assets | 12.6126% | 1,677 |
| Core capital (leverage) ratio | 12.9448% | 1,298 |
| Tier 1 risk-based capital ratio | 18.4556% | 1,672 |
| Total risk-based capital ratio | 19.7055% | 1,621 |
| Memoranda: | ||
| Average total assets | $208,988,000 | 2,819 |
| Average earning assets | $191,411,500 | 2,838 |
| Average equity | $25,648,500 | 2,667 |
| Average total loans | $125,181,000 | 2,960 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0091% | 1,029 |
| Cost of funding earning assets | 0.0661% | 5,344 |
| Net interest margin | 4.9430% | 298 |
| Noninterest income to average assets | 0.7948% | 1,464 |
| Noninterest expense to average assets | 2.8319% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.4613% | 161 |
| Return on assets (ROA) | 2.4613% | 158 |
| Pretax return on assets | 2.4613% | 226 |
| Return on Equity (ROE) | 21.6197% | 170 |
| Retained earnings to average equity (ytd only) | 4.7572% | 2,913 |
| Net charge-offs to loans | -0.0017% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5008% | 4,658 |
| Assets per employee ($millions) | 4.3512% | 3,379 |
| Cash dividends to net income (ytd only)* | 77.9962% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 1,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 58.2072% | 3,941 |
| Net loans and leases to deposits | 66.3434% | 4,092 |
| Net loans and leases to core deposits | 66.4631% | 4,328 |
| Total domestic deposits to total assets | 87.7362% | 1,426 |
| Equity capital to assets | 11.9325% | 1,950 |
| Core capital (leverage) ratio | 12.1235% | 1,657 |
| Tier 1 risk-based capital ratio | 18.3314% | 1,660 |
| Total risk-based capital ratio | 19.5816% | 1,612 |
| Memoranda: | ||
| Average total assets | $212,896,200 | 2,748 |
| Average earning assets | $193,748,600 | 2,780 |
| Average equity | $24,237,200 | 2,705 |
| Average total loans | $117,899,000 | 3,019 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7493% | 1,549 |
| Cost of funding earning assets | 0.0631% | 5,414 |
| Net interest margin | 4.6861% | 485 |
| Noninterest income to average assets | 0.7579% | 1,640 |
| Noninterest expense to average assets | 2.7725% | 2,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.2414% | 254 |
| Return on assets (ROA) | 2.2414% | 251 |
| Pretax return on assets | 2.2414% | 374 |
| Return on Equity (ROE) | 19.9225% | 281 |
| Retained earnings to average equity (ytd only) | 4.0942% | 3,725 |
| Net charge-offs to loans | -0.0011% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2959% | 4,476 |
| Assets per employee ($millions) | 4.4643% | 3,177 |
| Cash dividends to net income (ytd only)* | 79.4494% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 1,369 |
| Loan loss allowance to noncurrent loans | 83.4947% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.0122% | 1,436 |
| Noncurrent loans to loans | 1.7884% | 859 |
| Net loans and leases to total assets | 55.7533% | 4,238 |
| Net loans and leases to deposits | 63.8363% | 4,337 |
| Net loans and leases to core deposits | 63.9491% | 4,520 |
| Total domestic deposits to total assets | 87.3379% | 1,581 |
| Equity capital to assets | 11.1991% | 2,474 |
| Core capital (leverage) ratio | 11.7904% | 1,922 |
| Tier 1 risk-based capital ratio | 18.2832% | 1,723 |
| Total risk-based capital ratio | 19.5339% | 1,677 |
| Memoranda: | ||
| Average total assets | $213,905,500 | 2,757 |
| Average earning assets | $194,270,750 | 2,790 |
| Average equity | $24,066,000 | 2,731 |
| Average total loans | $116,528,000 | 3,059 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6400% | 1,667 |
| Cost of funding earning assets | 0.0609% | 5,474 |
| Net interest margin | 4.5792% | 581 |
| Noninterest income to average assets | 0.8411% | 1,344 |
| Noninterest expense to average assets | 2.7973% | 2,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.1967% | 258 |
| Return on assets (ROA) | 2.1967% | 250 |
| Pretax return on assets | 2.1967% | 389 |
| Return on Equity (ROE) | 19.4946% | 298 |
| Retained earnings to average equity (ytd only) | 4.2178% | 3,492 |
| Net charge-offs to loans | -0.0017% | 3,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0135% | 4,475 |
| Assets per employee ($millions) | 4.4428% | 3,219 |
| Cash dividends to net income (ytd only)* | 78.3646% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 1,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 54.9403% | 4,252 |
| Net loans and leases to deposits | 65.8415% | 4,174 |
| Net loans and leases to core deposits | 65.9638% | 4,370 |
| Total domestic deposits to total assets | 83.4433% | 3,267 |
| Equity capital to assets | 11.1993% | 2,454 |
| Core capital (leverage) ratio | 11.7931% | 1,843 |
| Tier 1 risk-based capital ratio | 18.9070% | 1,569 |
| Total risk-based capital ratio | 20.1585% | 1,533 |
| Memoranda: | ||
| Average total assets | $213,779,000 | 2,778 |
| Average earning assets | $193,878,670 | 2,813 |
| Average equity | $24,088,670 | 2,746 |
| Average total loans | $114,943,330 | 3,093 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5989% | 1,575 |
| Cost of funding earning assets | 0.0621% | 5,530 |
| Net interest margin | 4.5367% | 573 |
| Noninterest income to average assets | 0.8522% | 1,292 |
| Noninterest expense to average assets | 2.8331% | 2,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1117% | 285 |
| Return on assets (ROA) | 2.1117% | 286 |
| Pretax return on assets | 2.1117% | 451 |
| Return on Equity (ROE) | 18.6842% | 341 |
| Retained earnings to average equity (ytd only) | 13.8065% | 422 |
| Net charge-offs to loans | -0.0035% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2940% | 4,432 |
| Assets per employee ($millions) | 4.6562% | 2,919 |
| Cash dividends to net income (ytd only)* | 26.1062% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 1,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 50.8323% | 4,506 |
| Net loans and leases to deposits | 60.4739% | 4,440 |
| Net loans and leases to core deposits | 60.4739% | 4,629 |
| Total domestic deposits to total assets | 84.0566% | 3,304 |
| Equity capital to assets | 11.1157% | 2,464 |
| Core capital (leverage) ratio | 11.7577% | 1,811 |
| Tier 1 risk-based capital ratio | 19.6991% | 1,394 |
| Total risk-based capital ratio | 20.9505% | 1,364 |
| Memoranda: | ||
| Average total assets | $214,041,000 | 2,802 |
| Average earning assets | $193,090,500 | 2,851 |
| Average equity | $24,191,500 | 2,756 |
| Average total loans | $112,928,000 | 3,147 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6971% | 1,201 |
| Cost of funding earning assets | 0.0646% | 5,587 |
| Net interest margin | 4.6325% | 465 |
| Noninterest income to average assets | 0.6430% | 2,239 |
| Noninterest expense to average assets | 2.7478% | 2,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.0528% | 252 |
| Return on assets (ROA) | 2.0528% | 260 |
| Pretax return on assets | 2.0528% | 435 |
| Return on Equity (ROE) | 17.5183% | 345 |
| Retained earnings to average equity (ytd only) | 3.2907% | 3,331 |
| Net charge-offs to loans | 0.0163% | 3,545 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 232.1667% | 356 |
| Efficiency ratio | 57.2393% | 4,620 |
| Assets per employee ($millions) | 4.2702% | 3,539 |
| Cash dividends to net income (ytd only)* | 81.2156% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6046% | 1,137 |
| Loan loss allowance to noncurrent loans | 724.0000% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 4,536 |
| Noncurrent loans to loans | 0.2216% | 4,022 |
| Net loans and leases to total assets | 53.0456% | 4,438 |
| Net loans and leases to deposits | 63.5533% | 4,346 |
| Net loans and leases to core deposits | 63.5533% | 4,564 |
| Total domestic deposits to total assets | 83.4663% | 3,393 |
| Equity capital to assets | 11.4974% | 2,205 |
| Core capital (leverage) ratio | 11.3190% | 2,084 |
| Tier 1 risk-based capital ratio | 18.9095% | 1,524 |
| Total risk-based capital ratio | 20.1612% | 1,487 |
| Memoranda: | ||
| Average total assets | $203,578,000 | 2,894 |
| Average earning assets | $182,707,600 | 2,937 |
| Average equity | $23,855,000 | 2,778 |
| Average total loans | $110,460,800 | 3,172 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6719% | 1,197 |
| Cost of funding earning assets | 0.0638% | 5,654 |
| Net interest margin | 4.6081% | 480 |
| Noninterest income to average assets | 0.6457% | 2,230 |
| Noninterest expense to average assets | 2.7528% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.0379% | 299 |
| Return on assets (ROA) | 2.0379% | 305 |
| Pretax return on assets | 2.0379% | 509 |
| Return on Equity (ROE) | 17.3072% | 393 |
| Retained earnings to average equity (ytd only) | 3.1534% | 4,029 |
| Net charge-offs to loans | 0.0206% | 3,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 181.7336% | 471 |
| Efficiency ratio | 57.4615% | 4,569 |
| Assets per employee ($millions) | 4.5371% | 3,080 |
| Cash dividends to net income (ytd only)* | 81.7799% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6142% | 1,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 52.8875% | 4,502 |
| Net loans and leases to deposits | 62.4335% | 4,485 |
| Net loans and leases to core deposits | 62.4335% | 4,687 |
| Total domestic deposits to total assets | 84.7101% | 2,833 |
| Equity capital to assets | 11.6062% | 2,273 |
| Core capital (leverage) ratio | 11.7245% | 1,868 |
| Tier 1 risk-based capital ratio | 18.8672% | 1,628 |
| Total risk-based capital ratio | 20.1193% | 1,582 |
| Memoranda: | ||
| Average total assets | $202,162,750 | 2,934 |
| Average earning assets | $181,847,500 | 2,969 |
| Average equity | $23,804,500 | 2,800 |
| Average total loans | $109,875,500 | 3,208 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5880% | 1,277 |
| Cost of funding earning assets | 0.0636% | 5,692 |
| Net interest margin | 4.5244% | 539 |
| Noninterest income to average assets | 0.6371% | 2,277 |
| Noninterest expense to average assets | 2.7813% | 2,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9102% | 364 |
| Return on assets (ROA) | 1.9102% | 374 |
| Pretax return on assets | 1.9102% | 632 |
| Return on Equity (ROE) | 16.1420% | 509 |
| Retained earnings to average equity (ytd only) | 2.9664% | 3,952 |
| Net charge-offs to loans | 0.0220% | 2,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 159.1667% | 478 |
| Efficiency ratio | 59.2837% | 4,428 |
| Assets per employee ($millions) | 4.2626% | 3,503 |
| Cash dividends to net income (ytd only)* | 81.6230% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 1,108 |
| Loan loss allowance to noncurrent loans | 30,266.6667% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,300 |
| Noncurrent loans to loans | 0.0055% | 5,169 |
| Net loans and leases to total assets | 53.3026% | 4,458 |
| Net loans and leases to deposits | 63.0632% | 4,430 |
| Net loans and leases to core deposits | 63.0632% | 4,666 |
| Total domestic deposits to total assets | 84.5225% | 3,000 |
| Equity capital to assets | 12.0159% | 1,914 |
| Core capital (leverage) ratio | 11.9306% | 1,670 |
| Tier 1 risk-based capital ratio | 19.3172% | 1,515 |
| Total risk-based capital ratio | 20.5693% | 1,460 |
| Memoranda: | ||
| Average total assets | $199,981,330 | 2,971 |
| Average earning assets | $179,206,000 | 3,013 |
| Average equity | $23,665,000 | 2,814 |
| Average total loans | $109,103,670 | 3,241 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5916% | 1,162 |
| Cost of funding earning assets | 0.0629% | 5,762 |
| Net interest margin | 4.5287% | 497 |
| Noninterest income to average assets | 0.6286% | 2,276 |
| Noninterest expense to average assets | 2.8148% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8498% | 411 |
| Return on assets (ROA) | 1.8498% | 423 |
| Pretax return on assets | 1.8498% | 724 |
| Return on Equity (ROE) | 15.7538% | 561 |
| Retained earnings to average equity (ytd only) | 11.0993% | 588 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3433% | 4,413 |
| Assets per employee ($millions) | 4.2008% | 3,658 |
| Cash dividends to net income (ytd only)* | 29.5455% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6564% | 1,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 53.8241% | 4,348 |
| Net loans and leases to deposits | 63.9422% | 4,315 |
| Net loans and leases to core deposits | 63.9422% | 4,539 |
| Total domestic deposits to total assets | 84.1763% | 3,408 |
| Equity capital to assets | 11.8677% | 1,930 |
| Core capital (leverage) ratio | 12.1434% | 1,541 |
| Tier 1 risk-based capital ratio | 19.2837% | 1,543 |
| Total risk-based capital ratio | 20.5358% | 1,514 |
| Memoranda: | ||
| Average total assets | $199,800,500 | 2,998 |
| Average earning assets | $178,065,500 | 3,053 |
| Average equity | $23,461,000 | 2,846 |
| Average total loans | $109,353,500 | 3,259 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 1,286 |
| Cost of funding earning assets | 0.0640% | 5,813 |
| Net interest margin | 4.5327% | 578 |
| Noninterest income to average assets | 0.9659% | 1,226 |
| Noninterest expense to average assets | 2.8752% | 2,767 |
| Loan and lease loss provision to assets | 0.0103% | 4,171 |
| Net operating income to assets | 2.1222% | 255 |
| Return on assets (ROA) | 2.1222% | 262 |
| Pretax return on assets | 2.1222% | 379 |
| Return on Equity (ROE) | 17.7748% | 344 |
| Retained earnings to average equity (ytd only) | 5.3764% | 2,089 |
| Net charge-offs to loans | -0.0324% | 5,273 |
| Credit loss provision to net charge-offs | -58.8235% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4158% | 4,914 |
| Assets per employee ($millions) | 4.3035% | 3,429 |
| Cash dividends to net income (ytd only)* | 69.7528% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 1,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 53.8086% | 4,454 |
| Net loans and leases to deposits | 64.0256% | 4,413 |
| Net loans and leases to core deposits | 64.0256% | 4,633 |
| Total domestic deposits to total assets | 84.0423% | 3,407 |
| Equity capital to assets | 11.6144% | 2,073 |
| Core capital (leverage) ratio | 11.7922% | 1,730 |
| Tier 1 risk-based capital ratio | 19.1103% | 1,567 |
| Total risk-based capital ratio | 20.3633% | 1,533 |
| Memoranda: | ||
| Average total assets | $194,421,400 | 3,017 |
| Average earning assets | $173,361,400 | 3,078 |
| Average equity | $23,212,600 | 2,870 |
| Average total loans | $105,063,400 | 3,295 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5949% | 1,301 |
| Cost of funding earning assets | 0.0633% | 5,881 |
| Net interest margin | 4.5316% | 586 |
| Noninterest income to average assets | 1.0637% | 1,004 |
| Noninterest expense to average assets | 2.9231% | 2,565 |
| Loan and lease loss provision to assets | 0.0138% | 3,978 |
| Net operating income to assets | 2.1694% | 261 |
| Return on assets (ROA) | 2.1694% | 271 |
| Pretax return on assets | 2.1694% | 410 |
| Return on Equity (ROE) | 18.0445% | 354 |
| Retained earnings to average equity (ytd only) | 5.4094% | 2,545 |
| Net charge-offs to loans | -0.0448% | 5,329 |
| Credit loss provision to net charge-offs | -57.1429% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2450% | 4,926 |
| Assets per employee ($millions) | 4.2296% | 3,542 |
| Cash dividends to net income (ytd only)* | 70.0223% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 1,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 54.3410% | 4,467 |
| Net loans and leases to deposits | 65.0293% | 4,417 |
| Net loans and leases to core deposits | 65.0293% | 4,667 |
| Total domestic deposits to total assets | 83.5640% | 3,371 |
| Equity capital to assets | 11.8830% | 2,193 |
| Core capital (leverage) ratio | 11.7372% | 1,854 |
| Tier 1 risk-based capital ratio | 19.3372% | 1,593 |
| Total risk-based capital ratio | 20.5907% | 1,550 |
| Memoranda: | ||
| Average total assets | $193,536,500 | 3,035 |
| Average earning assets | $172,651,000 | 3,093 |
| Average equity | $23,267,750 | 2,889 |
| Average total loans | $104,242,250 | 3,323 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2186% | 413 |
| Cost of funding earning assets | 0.0632% | 5,962 |
| Net interest margin | 5.1554% | 186 |
| Noninterest income to average assets | 0.6810% | 2,228 |
| Noninterest expense to average assets | 2.9815% | 2,406 |
| Loan and lease loss provision to assets | 0.0209% | 3,722 |
| Net operating income to assets | 2.2744% | 205 |
| Return on assets (ROA) | 2.2744% | 216 |
| Pretax return on assets | 2.2744% | 324 |
| Return on Equity (ROE) | 18.8426% | 307 |
| Retained earnings to average equity (ytd only) | 6.4969% | 1,876 |
| Net charge-offs to loans | -0.0215% | 4,976 |
| Credit loss provision to net charge-offs | -181.8182% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5020% | 5,085 |
| Assets per employee ($millions) | 4.0519% | 3,814 |
| Cash dividends to net income (ytd only)* | 65.5204% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7424% | 1,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 52.3071% | 4,642 |
| Net loans and leases to deposits | 61.9120% | 4,661 |
| Net loans and leases to core deposits | 61.9120% | 4,895 |
| Total domestic deposits to total assets | 84.4861% | 3,099 |
| Equity capital to assets | 12.0891% | 2,065 |
| Core capital (leverage) ratio | 12.0010% | 1,626 |
| Tier 1 risk-based capital ratio | 19.9163% | 1,475 |
| Total risk-based capital ratio | 21.1703% | 1,437 |
| Memoranda: | ||
| Average total assets | $191,785,670 | 3,070 |
| Average earning assets | $170,965,330 | 3,130 |
| Average equity | $23,149,670 | 2,905 |
| Average total loans | $102,372,000 | 3,365 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8434% | 775 |
| Cost of funding earning assets | 0.0633% | 6,021 |
| Net interest margin | 4.7801% | 370 |
| Noninterest income to average assets | 0.6701% | 2,173 |
| Noninterest expense to average assets | 3.0037% | 2,381 |
| Loan and lease loss provision to assets | 0.0420% | 3,084 |
| Net operating income to assets | 1.9051% | 392 |
| Return on assets (ROA) | 1.9051% | 419 |
| Pretax return on assets | 1.9051% | 684 |
| Return on Equity (ROE) | 15.7955% | 558 |
| Retained earnings to average equity (ytd only) | 12.1384% | 490 |
| Net charge-offs to loans | -0.0039% | 4,229 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6703% | 4,654 |
| Assets per employee ($millions) | 3.9326% | 4,069 |
| Cash dividends to net income (ytd only)* | 23.1533% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7312% | 1,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 52.8768% | 4,545 |
| Net loans and leases to deposits | 62.7020% | 4,531 |
| Net loans and leases to core deposits | 62.7020% | 4,772 |
| Total domestic deposits to total assets | 84.3303% | 3,383 |
| Equity capital to assets | 12.1450% | 1,924 |
| Core capital (leverage) ratio | 12.1509% | 1,523 |
| Tier 1 risk-based capital ratio | 19.8983% | 1,524 |
| Total risk-based capital ratio | 21.1514% | 1,493 |
| Memoranda: | ||
| Average total assets | $190,433,500 | 3,087 |
| Average earning assets | $170,541,500 | 3,149 |
| Average equity | $22,968,500 | 2,930 |
| Average total loans | $101,790,000 | 3,389 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 2,244 |
| Cost of funding earning assets | 0.0674% | 6,074 |
| Net interest margin | 4.2262% | 1,108 |
| Noninterest income to average assets | 0.7323% | 2,052 |
| Noninterest expense to average assets | 2.8717% | 2,959 |
| Loan and lease loss provision to assets | 0.0250% | 3,884 |
| Net operating income to assets | 1.6073% | 695 |
| Return on assets (ROA) | 1.6073% | 717 |
| Pretax return on assets | 1.6073% | 1,224 |
| Return on Equity (ROE) | 13.4935% | 951 |
| Retained earnings to average equity (ytd only) | 2.9509% | 3,964 |
| Net charge-offs to loans | -0.0122% | 5,156 |
| Credit loss provision to net charge-offs | -427.2727% | 5,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7578% | 4,318 |
| Assets per employee ($millions) | 3.8402% | 4,224 |
| Cash dividends to net income (ytd only)* | 78.1312% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 1,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 52.1438% | 4,681 |
| Net loans and leases to deposits | 62.1148% | 4,626 |
| Net loans and leases to core deposits | 62.1148% | 4,871 |
| Total domestic deposits to total assets | 83.9475% | 3,502 |
| Equity capital to assets | 11.9753% | 1,970 |
| Core capital (leverage) ratio | 11.6352% | 1,866 |
| Tier 1 risk-based capital ratio | 19.3978% | 1,612 |
| Total risk-based capital ratio | 20.6507% | 1,569 |
| Memoranda: | ||
| Average total assets | $187,763,800 | 3,081 |
| Average earning assets | $167,572,400 | 3,151 |
| Average equity | $22,366,400 | 2,930 |
| Average total loans | $90,481,600 | 3,580 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 2,382 |
| Cost of funding earning assets | 0.0661% | 6,168 |
| Net interest margin | 4.1900% | 1,184 |
| Noninterest income to average assets | 0.7453% | 2,047 |
| Noninterest expense to average assets | 2.9115% | 2,812 |
| Loan and lease loss provision to assets | 0.0227% | 3,819 |
| Net operating income to assets | 1.5503% | 849 |
| Return on assets (ROA) | 1.5503% | 890 |
| Pretax return on assets | 1.5503% | 1,531 |
| Return on Equity (ROE) | 13.0317% | 1,117 |
| Retained earnings to average equity (ytd only) | 2.8488% | 4,411 |
| Net charge-offs to loans | -0.0030% | 4,753 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9240% | 4,079 |
| Assets per employee ($millions) | 4.0322% | 3,829 |
| Cash dividends to net income (ytd only)* | 78.1395% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9363% | 1,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 46.7672% | 5,172 |
| Net loans and leases to deposits | 55.2442% | 5,174 |
| Net loans and leases to core deposits | 55.2442% | 5,344 |
| Total domestic deposits to total assets | 84.6554% | 3,149 |
| Equity capital to assets | 11.7575% | 2,302 |
| Core capital (leverage) ratio | 11.7861% | 1,829 |
| Tier 1 risk-based capital ratio | 20.3279% | 1,470 |
| Total risk-based capital ratio | 21.5821% | 1,438 |
| Memoranda: | ||
| Average total assets | $187,662,250 | 3,105 |
| Average earning assets | $167,473,000 | 3,183 |
| Average equity | $22,324,500 | 2,951 |
| Average total loans | $88,128,750 | 3,664 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2211% | 2,471 |
| Cost of funding earning assets | 0.0668% | 6,237 |
| Net interest margin | 4.1543% | 1,216 |
| Noninterest income to average assets | 0.7367% | 2,055 |
| Noninterest expense to average assets | 2.9651% | 2,664 |
| Loan and lease loss provision to assets | 0.0342% | 3,429 |
| Net operating income to assets | 1.4627% | 962 |
| Return on assets (ROA) | 1.4627% | 1,011 |
| Pretax return on assets | 1.4627% | 1,759 |
| Return on Equity (ROE) | 12.2478% | 1,301 |
| Retained earnings to average equity (ytd only) | 3.3664% | 3,895 |
| Net charge-offs to loans | -0.0252% | 5,253 |
| Credit loss provision to net charge-offs | -290.9091% | 5,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4510% | 3,935 |
| Assets per employee ($millions) | 3.8547% | 4,156 |
| Cash dividends to net income (ytd only)* | 72.5146% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9164% | 1,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 48.6586% | 5,039 |
| Net loans and leases to deposits | 57.5455% | 5,024 |
| Net loans and leases to core deposits | 57.5455% | 5,220 |
| Total domestic deposits to total assets | 84.5566% | 3,316 |
| Equity capital to assets | 11.9509% | 2,068 |
| Core capital (leverage) ratio | 12.0106% | 1,655 |
| Tier 1 risk-based capital ratio | 20.0033% | 1,541 |
| Total risk-based capital ratio | 21.2577% | 1,516 |
| Memoranda: | ||
| Average total assets | $187,045,330 | 3,138 |
| Average earning assets | $167,728,330 | 3,200 |
| Average equity | $22,338,670 | 2,967 |
| Average total loans | $87,378,330 | 3,701 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 2,954 |
| Cost of funding earning assets | 0.0666% | 6,309 |
| Net interest margin | 4.0028% | 1,543 |
| Noninterest income to average assets | 0.7338% | 2,001 |
| Noninterest expense to average assets | 2.9949% | 2,600 |
| Loan and lease loss provision to assets | 0.0255% | 3,370 |
| Net operating income to assets | 1.2911% | 1,303 |
| Return on assets (ROA) | 1.2911% | 1,384 |
| Pretax return on assets | 1.2911% | 2,322 |
| Return on Equity (ROE) | 10.8142% | 1,684 |
| Retained earnings to average equity (ytd only) | 7.7677% | 1,658 |
| Net charge-offs to loans | -0.0047% | 4,483 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4623% | 3,583 |
| Assets per employee ($millions) | 3.9526% | 4,054 |
| Cash dividends to net income (ytd only)* | 28.1713% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0003% | 1,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 44.6484% | 5,294 |
| Net loans and leases to deposits | 52.8051% | 5,282 |
| Net loans and leases to core deposits | 52.8051% | 5,438 |
| Total domestic deposits to total assets | 84.5531% | 3,603 |
| Equity capital to assets | 11.7485% | 2,240 |
| Core capital (leverage) ratio | 11.7400% | 1,821 |
| Tier 1 risk-based capital ratio | 20.7417% | 1,469 |
| Total risk-based capital ratio | 21.9962% | 1,439 |
| Memoranda: | ||
| Average total assets | $188,056,000 | 3,140 |
| Average earning assets | $168,084,000 | 3,209 |
| Average equity | $22,452,000 | 2,976 |
| Average total loans | $85,173,000 | 3,769 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 3,779 |
| Cost of funding earning assets | 0.0692% | 6,399 |
| Net interest margin | 3.9155% | 2,172 |
| Noninterest income to average assets | 0.9975% | 1,221 |
| Noninterest expense to average assets | 2.9553% | 2,983 |
| Loan and lease loss provision to assets | 0.0541% | 3,474 |
| Net operating income to assets | 1.5107% | 857 |
| Return on assets (ROA) | 1.5107% | 893 |
| Pretax return on assets | 1.5107% | 1,503 |
| Return on Equity (ROE) | 12.6023% | 1,234 |
| Retained earnings to average equity (ytd only) | 3.3007% | 3,878 |
| Net charge-offs to loans | -0.0267% | 5,764 |
| Credit loss provision to net charge-offs | -476.1905% | 5,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3814% | 4,346 |
| Assets per employee ($millions) | 3.8830% | 4,202 |
| Cash dividends to net income (ytd only)* | 73.8087% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0451% | 1,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 44.0974% | 5,456 |
| Net loans and leases to deposits | 52.3270% | 5,460 |
| Net loans and leases to core deposits | 52.3270% | 5,597 |
| Total domestic deposits to total assets | 84.2729% | 3,600 |
| Equity capital to assets | 12.1330% | 1,921 |
| Core capital (leverage) ratio | 11.6473% | 1,867 |
| Tier 1 risk-based capital ratio | 21.8613% | 1,243 |
| Total risk-based capital ratio | 23.1167% | 1,220 |
| Memoranda: | ||
| Average total assets | $184,754,000 | 3,161 |
| Average earning assets | $166,212,400 | 3,201 |
| Average equity | $22,146,800 | 2,933 |
| Average total loans | $78,509,600 | 3,917 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9907% | 3,796 |
| Cost of funding earning assets | 0.0698% | 6,481 |
| Net interest margin | 3.9209% | 2,153 |
| Noninterest income to average assets | 1.0690% | 1,071 |
| Noninterest expense to average assets | 2.9726% | 2,894 |
| Loan and lease loss provision to assets | 0.0579% | 3,212 |
| Net operating income to assets | 1.5753% | 801 |
| Return on assets (ROA) | 1.5753% | 827 |
| Pretax return on assets | 1.5753% | 1,405 |
| Return on Equity (ROE) | 13.1817% | 1,176 |
| Retained earnings to average equity (ytd only) | 4.2184% | 3,650 |
| Net charge-offs to loans | -0.0190% | 5,597 |
| Credit loss provision to net charge-offs | -727.2727% | 5,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5415% | 4,459 |
| Assets per employee ($millions) | 3.8578% | 4,171 |
| Cash dividends to net income (ytd only)* | 67.9982% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1159% | 1,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 41.2616% | 5,731 |
| Net loans and leases to deposits | 48.8636% | 5,710 |
| Net loans and leases to core deposits | 48.8636% | 5,847 |
| Total domestic deposits to total assets | 84.4424% | 3,570 |
| Equity capital to assets | 11.8635% | 2,184 |
| Core capital (leverage) ratio | 11.8714% | 1,775 |
| Tier 1 risk-based capital ratio | 22.9590% | 1,121 |
| Total risk-based capital ratio | 24.2155% | 1,098 |
| Memoranda: | ||
| Average total assets | $184,346,250 | 3,194 |
| Average earning assets | $166,282,250 | 3,231 |
| Average equity | $22,030,000 | 2,950 |
| Average total loans | $77,160,250 | 3,988 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 3,835 |
| Cost of funding earning assets | 0.0695% | 6,550 |
| Net interest margin | 3.9065% | 2,138 |
| Noninterest income to average assets | 0.8294% | 1,740 |
| Noninterest expense to average assets | 2.9663% | 2,948 |
| Loan and lease loss provision to assets | 0.0438% | 3,443 |
| Net operating income to assets | 1.3251% | 1,236 |
| Return on assets (ROA) | 1.3251% | 1,289 |
| Pretax return on assets | 1.3251% | 2,172 |
| Return on Equity (ROE) | 11.0604% | 1,722 |
| Retained earnings to average equity (ytd only) | 2.2285% | 4,776 |
| Net charge-offs to loans | -0.0314% | 5,702 |
| Credit loss provision to net charge-offs | -333.3333% | 5,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4250% | 3,932 |
| Assets per employee ($millions) | 3.7724% | 4,312 |
| Cash dividends to net income (ytd only)* | 79.8514% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1464% | 1,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 40.6196% | 5,776 |
| Net loans and leases to deposits | 48.1240% | 5,766 |
| Net loans and leases to core deposits | 48.1240% | 5,896 |
| Total domestic deposits to total assets | 84.4062% | 3,770 |
| Equity capital to assets | 11.9059% | 2,058 |
| Core capital (leverage) ratio | 11.9973% | 1,654 |
| Tier 1 risk-based capital ratio | 22.6085% | 1,168 |
| Total risk-based capital ratio | 23.8643% | 1,151 |
| Memoranda: | ||
| Average total assets | $182,784,000 | 3,222 |
| Average earning assets | $164,036,330 | 3,267 |
| Average equity | $21,898,000 | 2,959 |
| Average total loans | $76,319,000 | 4,030 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,699 |
| Cost of funding earning assets | 0.0686% | 6,631 |
| Net interest margin | 3.9280% | 1,984 |
| Noninterest income to average assets | 0.8011% | 1,743 |
| Noninterest expense to average assets | 2.9755% | 2,963 |
| Loan and lease loss provision to assets | 0.0440% | 3,217 |
| Net operating income to assets | 1.3117% | 1,186 |
| Return on assets (ROA) | 1.3117% | 1,229 |
| Pretax return on assets | 1.3117% | 2,057 |
| Return on Equity (ROE) | 10.9143% | 1,715 |
| Retained earnings to average equity (ytd only) | 7.7645% | 1,696 |
| Net charge-offs to loans | -0.0105% | 5,064 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6992% | 4,063 |
| Assets per employee ($millions) | 3.6053% | 4,705 |
| Cash dividends to net income (ytd only)* | 28.8591% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1201% | 1,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 41.4121% | 5,717 |
| Net loans and leases to deposits | 49.3159% | 5,645 |
| Net loans and leases to core deposits | 49.3159% | 5,804 |
| Total domestic deposits to total assets | 83.9731% | 4,287 |
| Equity capital to assets | 12.2280% | 1,731 |
| Core capital (leverage) ratio | 12.3433% | 1,456 |
| Tier 1 risk-based capital ratio | 22.7556% | 1,169 |
| Total risk-based capital ratio | 24.0112% | 1,154 |
| Memoranda: | ||
| Average total assets | $181,751,500 | 3,258 |
| Average earning assets | $163,340,000 | 3,303 |
| Average equity | $21,843,000 | 2,959 |
| Average total loans | $76,112,500 | 4,059 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 4,879 |
| Cost of funding earning assets | 0.0800% | 6,706 |
| Net interest margin | 3.6988% | 3,060 |
| Noninterest income to average assets | 0.9596% | 1,496 |
| Noninterest expense to average assets | 3.1529% | 2,576 |
| Loan and lease loss provision to assets | 0.0283% | 4,549 |
| Net operating income to assets | 1.1278% | 1,841 |
| Return on assets (ROA) | 1.1278% | 1,906 |
| Pretax return on assets | 1.1278% | 2,857 |
| Return on Equity (ROE) | 9.1972% | 2,450 |
| Retained earnings to average equity (ytd only) | 1.5375% | 5,125 |
| Net charge-offs to loans | -0.0299% | 6,227 |
| Credit loss provision to net charge-offs | -238.0952% | 6,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1704% | 3,263 |
| Assets per employee ($millions) | 3.5238% | 4,851 |
| Cash dividends to net income (ytd only)* | 83.2831% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0999% | 1,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 40.5819% | 5,919 |
| Net loans and leases to deposits | 48.2810% | 5,881 |
| Net loans and leases to core deposits | 48.2810% | 6,017 |
| Total domestic deposits to total assets | 84.0534% | 4,148 |
| Equity capital to assets | 11.8115% | 1,941 |
| Core capital (leverage) ratio | 11.7381% | 1,801 |
| Tier 1 risk-based capital ratio | 23.5849% | 1,006 |
| Total risk-based capital ratio | 24.8411% | 989 |
| Memoranda: | ||
| Average total assets | $176,630,400 | 3,313 |
| Average earning assets | $159,942,000 | 3,343 |
| Average equity | $21,658,800 | 2,963 |
| Average total loans | $70,168,200 | 4,264 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7774% | 4,936 |
| Cost of funding earning assets | 0.0798% | 6,797 |
| Net interest margin | 3.6975% | 3,042 |
| Noninterest income to average assets | 1.0142% | 1,415 |
| Noninterest expense to average assets | 3.2087% | 2,341 |
| Loan and lease loss provision to assets | 0.0305% | 4,396 |
| Net operating income to assets | 1.1270% | 1,899 |
| Return on assets (ROA) | 1.1270% | 1,966 |
| Pretax return on assets | 1.1270% | 2,993 |
| Return on Equity (ROE) | 9.1030% | 2,589 |
| Retained earnings to average equity (ytd only) | 1.1448% | 5,521 |
| Net charge-offs to loans | -0.0485% | 6,297 |
| Credit loss provision to net charge-offs | -160.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4904% | 3,144 |
| Assets per employee ($millions) | 3.5927% | 4,662 |
| Cash dividends to net income (ytd only)* | 87.4241% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1930% | 1,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 38.6775% | 6,127 |
| Net loans and leases to deposits | 46.1573% | 6,086 |
| Net loans and leases to core deposits | 46.1573% | 6,203 |
| Total domestic deposits to total assets | 83.7951% | 4,284 |
| Equity capital to assets | 11.7127% | 2,117 |
| Core capital (leverage) ratio | 11.8084% | 1,810 |
| Tier 1 risk-based capital ratio | 24.5049% | 936 |
| Total risk-based capital ratio | 25.7620% | 910 |
| Memoranda: | ||
| Average total assets | $174,978,750 | 3,361 |
| Average earning assets | $158,625,750 | 3,402 |
| Average equity | $21,662,750 | 3,001 |
| Average total loans | $68,721,250 | 4,351 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8621% | 4,612 |
| Cost of funding earning assets | 0.0783% | 6,854 |
| Net interest margin | 3.7838% | 2,617 |
| Noninterest income to average assets | 1.0951% | 1,268 |
| Noninterest expense to average assets | 3.2654% | 2,173 |
| Loan and lease loss provision to assets | 0.0464% | 4,045 |
| Net operating income to assets | 1.2077% | 1,576 |
| Return on assets (ROA) | 1.2077% | 1,678 |
| Pretax return on assets | 1.2077% | 2,640 |
| Return on Equity (ROE) | 9.5720% | 2,385 |
| Retained earnings to average equity (ytd only) | 1.0492% | 5,482 |
| Net charge-offs to loans | -0.0652% | 6,355 |
| Credit loss provision to net charge-offs | -181.8182% | 5,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2508% | 3,428 |
| Assets per employee ($millions) | 3.1907% | 5,502 |
| Cash dividends to net income (ytd only)* | 89.0385% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2527% | 1,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 6,395 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 38.5141% | 6,141 |
| Net loans and leases to deposits | 45.8826% | 6,113 |
| Net loans and leases to core deposits | 45.8826% | 6,237 |
| Total domestic deposits to total assets | 83.9406% | 4,342 |
| Equity capital to assets | 11.9901% | 1,921 |
| Core capital (leverage) ratio | 12.5823% | 1,329 |
| Tier 1 risk-based capital ratio | 24.9697% | 876 |
| Total risk-based capital ratio | 26.2267% | 860 |
| Memoranda: | ||
| Average total assets | $172,229,000 | 3,427 |
| Average earning assets | $155,875,330 | 3,461 |
| Average equity | $21,730,000 | 3,016 |
| Average total loans | $67,476,000 | 4,401 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 4,159 |
| Cost of funding earning assets | 0.0786% | 6,938 |
| Net interest margin | 3.9119% | 2,078 |
| Noninterest income to average assets | 1.1574% | 1,119 |
| Noninterest expense to average assets | 3.3656% | 1,914 |
| Loan and lease loss provision to assets | 0.0592% | 3,650 |
| Net operating income to assets | 1.2662% | 1,361 |
| Return on assets (ROA) | 1.2662% | 1,465 |
| Pretax return on assets | 1.2662% | 2,352 |
| Return on Equity (ROE) | 9.7793% | 2,147 |
| Retained earnings to average equity (ytd only) | 5.8493% | 2,760 |
| Net charge-offs to loans | -0.0545% | 6,169 |
| Credit loss provision to net charge-offs | -277.7778% | 5,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7457% | 3,659 |
| Assets per employee ($millions) | 3.0683% | 5,878 |
| Cash dividends to net income (ytd only)* | 40.1869% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3332% | 1,358 |
| Loan loss allowance to noncurrent loans | 149.6638% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 1.0732% | 3,784 |
| Noncurrent loans to loans | 1.5589% | 3,208 |
| Net loans and leases to total assets | 38.6468% | 6,105 |
| Net loans and leases to deposits | 47.0185% | 5,988 |
| Net loans and leases to core deposits | 47.0185% | 6,153 |
| Total domestic deposits to total assets | 82.1948% | 5,128 |
| Equity capital to assets | 13.1031% | 1,383 |
| Core capital (leverage) ratio | 12.8616% | 1,170 |
| Tier 1 risk-based capital ratio | 26.4958% | 745 |
| Total risk-based capital ratio | 27.7543% | 734 |
| Memoranda: | ||
| Average total assets | $169,003,500 | 3,519 |
| Average earning assets | $152,662,500 | 3,548 |
| Average equity | $21,883,000 | 3,040 |
| Average total loans | $66,012,500 | 4,495 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4474% | 3,622 |
| Cost of funding earning assets | 0.0991% | 7,002 |
| Net interest margin | 4.3483% | 1,293 |
| Noninterest income to average assets | 1.2129% | 1,066 |
| Noninterest expense to average assets | 3.4350% | 1,979 |
| Loan and lease loss provision to assets | 0.1665% | 3,531 |
| Net operating income to assets | 1.5483% | 837 |
| Return on assets (ROA) | 1.5483% | 914 |
| Pretax return on assets | 1.5483% | 1,523 |
| Return on Equity (ROE) | 11.6228% | 1,616 |
| Retained earnings to average equity (ytd only) | 2.6897% | 4,343 |
| Net charge-offs to loans | 1.2810% | 762 |
| Credit loss provision to net charge-offs | 29.8889% | 5,114 |
| Earnings coverage of net charge-offs (x) | 3.0789% | 3,895 |
| Efficiency ratio | 66.7027% | 4,378 |
| Assets per employee ($millions) | 3.0773% | 5,887 |
| Cash dividends to net income (ytd only)* | 76.8585% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3357% | 1,320 |
| Loan loss allowance to noncurrent loans | 393.7984% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 4,765 |
| Noncurrent loans to loans | 0.5931% | 5,045 |
| Net loans and leases to total assets | 37.6507% | 6,328 |
| Net loans and leases to deposits | 45.5305% | 6,281 |
| Net loans and leases to core deposits | 45.5305% | 6,397 |
| Total domestic deposits to total assets | 82.6934% | 4,851 |
| Equity capital to assets | 12.7939% | 1,543 |
| Core capital (leverage) ratio | 13.0397% | 1,106 |
| Tier 1 risk-based capital ratio | 26.5578% | 729 |
| Total risk-based capital ratio | 27.8157% | 716 |
| Memoranda: | ||
| Average total assets | $161,601,800 | 3,595 |
| Average earning assets | $146,308,800 | 3,620 |
| Average equity | $21,526,600 | 3,036 |
| Average total loans | $70,259,400 | 4,351 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 3,608 |
| Cost of funding earning assets | 0.1056% | 7,107 |
| Net interest margin | 4.4013% | 1,196 |
| Noninterest income to average assets | 0.9669% | 1,607 |
| Noninterest expense to average assets | 3.4942% | 1,775 |
| Loan and lease loss provision to assets | 0.0785% | 4,656 |
| Net operating income to assets | 1.3960% | 1,234 |
| Return on assets (ROA) | 1.3960% | 1,360 |
| Pretax return on assets | 1.3960% | 2,252 |
| Return on Equity (ROE) | 10.3713% | 2,187 |
| Retained earnings to average equity (ytd only) | 2.0470% | 5,300 |
| Net charge-offs to loans | 1.6761% | 492 |
| Credit loss provision to net charge-offs | 10.4561% | 5,071 |
| Earnings coverage of net charge-offs (x) | 1.9644% | 4,281 |
| Efficiency ratio | 70.3243% | 3,627 |
| Assets per employee ($millions) | 3.0953% | 5,863 |
| Cash dividends to net income (ytd only)* | 80.2631% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0126% | 2,132 |
| Loan loss allowance to noncurrent loans | 3,857.1429% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.9582% | 4,366 |
| Noncurrent loans to loans | 0.0522% | 6,486 |
| Net loans and leases to total assets | 40.0650% | 6,276 |
| Net loans and leases to deposits | 48.4066% | 6,236 |
| Net loans and leases to core deposits | 48.4066% | 6,390 |
| Total domestic deposits to total assets | 82.7676% | 4,736 |
| Equity capital to assets | 13.1666% | 1,509 |
| Core capital (leverage) ratio | 12.8487% | 1,251 |
| Tier 1 risk-based capital ratio | 26.7785% | 757 |
| Total risk-based capital ratio | 28.0348% | 743 |
| Memoranda: | ||
| Average total assets | $159,689,000 | 3,665 |
| Average earning assets | $145,196,000 | 3,671 |
| Average equity | $21,494,750 | 3,063 |
| Average total loans | $71,512,000 | 4,341 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 3,334 |
| Cost of funding earning assets | 0.1137% | 7,163 |
| Net interest margin | 4.4919% | 1,008 |
| Noninterest income to average assets | 0.9631% | 1,565 |
| Noninterest expense to average assets | 3.5504% | 1,677 |
| Loan and lease loss provision to assets | 0.0935% | 4,385 |
| Net operating income to assets | 1.4144% | 1,161 |
| Return on assets (ROA) | 1.4144% | 1,295 |
| Pretax return on assets | 1.4144% | 2,149 |
| Return on Equity (ROE) | 10.4289% | 2,203 |
| Retained earnings to average equity (ytd only) | 2.5350% | 4,919 |
| Net charge-offs to loans | 2.3537% | 313 |
| Credit loss provision to net charge-offs | 8.6147% | 4,756 |
| Earnings coverage of net charge-offs (x) | 1.3888% | 4,313 |
| Efficiency ratio | 70.1899% | 3,737 |
| Assets per employee ($millions) | 3.0125% | 6,041 |
| Cash dividends to net income (ytd only)* | 75.6926% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8971% | 2,568 |
| Loan loss allowance to noncurrent loans | 186.6485% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 1.3622% | 3,710 |
| Noncurrent loans to loans | 1.0164% | 4,480 |
| Net loans and leases to total assets | 43.5491% | 6,060 |
| Net loans and leases to deposits | 53.0905% | 5,949 |
| Net loans and leases to core deposits | 53.0905% | 6,154 |
| Total domestic deposits to total assets | 82.0281% | 5,118 |
| Equity capital to assets | 13.1839% | 1,437 |
| Core capital (leverage) ratio | 13.3137% | 1,050 |
| Tier 1 risk-based capital ratio | 25.2707% | 876 |
| Total risk-based capital ratio | 26.5258% | 861 |
| Memoranda: | ||
| Average total assets | $158,235,000 | 3,698 |
| Average earning assets | $144,261,000 | 3,711 |
| Average equity | $21,459,670 | 3,052 |
| Average total loans | $72,990,330 | 4,314 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 2,767 |
| Cost of funding earning assets | 0.1290% | 7,217 |
| Net interest margin | 4.6397% | 762 |
| Noninterest income to average assets | 0.9409% | 1,595 |
| Noninterest expense to average assets | 3.6304% | 1,499 |
| Loan and lease loss provision to assets | 0.1897% | 3,059 |
| Net operating income to assets | 1.3614% | 1,294 |
| Return on assets (ROA) | 1.3614% | 1,456 |
| Pretax return on assets | 1.3614% | 2,331 |
| Return on Equity (ROE) | 9.8947% | 2,434 |
| Retained earnings to average equity (ytd only) | 7.2859% | 2,283 |
| Net charge-offs to loans | 0.6759% | 1,460 |
| Credit loss provision to net charge-offs | 59.6774% | 3,124 |
| Earnings coverage of net charge-offs (x) | 4.8790% | 2,484 |
| Efficiency ratio | 70.0643% | 3,793 |
| Assets per employee ($millions) | 2.9591% | 6,238 |
| Cash dividends to net income (ytd only)* | 26.3653% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8634% | 947 |
| Loan loss allowance to noncurrent loans | 5,539.4737% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 5,579 |
| Noncurrent loans to loans | 0.0517% | 6,625 |
| Net loans and leases to total assets | 44.6893% | 5,931 |
| Net loans and leases to deposits | 54.6337% | 5,743 |
| Net loans and leases to core deposits | 54.6337% | 6,011 |
| Total domestic deposits to total assets | 81.7980% | 5,360 |
| Equity capital to assets | 13.5378% | 1,222 |
| Core capital (leverage) ratio | 13.5270% | 942 |
| Tier 1 risk-based capital ratio | 25.0979% | 897 |
| Total risk-based capital ratio | 26.3637% | 880 |
| Memoranda: | ||
| Average total assets | $156,014,500 | 3,763 |
| Average earning assets | $142,594,500 | 3,768 |
| Average equity | $21,466,000 | 3,047 |
| Average total loans | $73,378,500 | 4,335 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1976% | 2,067 |
| Cost of funding earning assets | 0.1575% | 7,276 |
| Net interest margin | 5.0401% | 380 |
| Noninterest income to average assets | 1.0402% | 1,253 |
| Noninterest expense to average assets | 3.9655% | 1,090 |
| Loan and lease loss provision to assets | 0.1868% | 4,321 |
| Net operating income to assets | 1.5142% | 799 |
| Return on assets (ROA) | 1.5142% | 865 |
| Pretax return on assets | 1.5142% | 1,430 |
| Return on Equity (ROE) | 10.7531% | 1,783 |
| Retained earnings to average equity (ytd only) | 3.5749% | 3,688 |
| Net charge-offs to loans | 0.5309% | 2,879 |
| Credit loss provision to net charge-offs | 69.5761% | 4,862 |
| Earnings coverage of net charge-offs (x) | 6.3367% | 2,539 |
| Efficiency ratio | 69.9823% | 3,965 |
| Assets per employee ($millions) | 2.7680% | 6,506 |
| Cash dividends to net income (ytd only)* | 66.7551% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9423% | 860 |
| Loan loss allowance to noncurrent loans | 5,525.6410% | 113 |
| Noncurrent assets plus other real estate owned to assets | 1.0667% | 4,482 |
| Noncurrent loans to loans | 0.0532% | 6,689 |
| Net loans and leases to total assets | 46.6950% | 5,947 |
| Net loans and leases to deposits | 57.5686% | 5,745 |
| Net loans and leases to core deposits | 57.5686% | 6,037 |
| Total domestic deposits to total assets | 81.1119% | 5,420 |
| Equity capital to assets | 13.9912% | 1,070 |
| Core capital (leverage) ratio | 13.5339% | 953 |
| Tier 1 risk-based capital ratio | 25.1419% | 856 |
| Total risk-based capital ratio | 26.4083% | 839 |
| Memoranda: | ||
| Average total assets | $149,390,200 | 3,815 |
| Average earning assets | $137,121,400 | 3,800 |
| Average equity | $21,035,800 | 3,007 |
| Average total loans | $75,535,400 | 4,293 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3367% | 1,730 |
| Cost of funding earning assets | 0.1584% | 7,357 |
| Net interest margin | 5.1782% | 300 |
| Noninterest income to average assets | 1.0573% | 1,202 |
| Noninterest expense to average assets | 4.0453% | 956 |
| Loan and lease loss provision to assets | 0.2251% | 3,760 |
| Net operating income to assets | 1.5353% | 874 |
| Return on assets (ROA) | 1.5353% | 942 |
| Pretax return on assets | 1.5353% | 1,563 |
| Return on Equity (ROE) | 10.8853% | 1,903 |
| Retained earnings to average equity (ytd only) | 3.7768% | 4,052 |
| Net charge-offs to loans | 0.5185% | 2,681 |
| Credit loss provision to net charge-offs | 84.7973% | 3,967 |
| Earnings coverage of net charge-offs (x) | 6.6317% | 2,520 |
| Efficiency ratio | 69.6787% | 4,006 |
| Assets per employee ($millions) | 2.8306% | 6,435 |
| Cash dividends to net income (ytd only)* | 65.3038% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0933% | 807 |
| Loan loss allowance to noncurrent loans | 377.6650% | 855 |
| Noncurrent assets plus other real estate owned to assets | 1.8082% | 3,381 |
| Noncurrent loans to loans | 0.8191% | 5,229 |
| Net loans and leases to total assets | 44.9149% | 6,250 |
| Net loans and leases to deposits | 55.4547% | 6,076 |
| Net loans and leases to core deposits | 55.4547% | 6,351 |
| Total domestic deposits to total assets | 80.9938% | 5,432 |
| Equity capital to assets | 13.5874% | 1,335 |
| Core capital (leverage) ratio | 13.8063% | 950 |
| Tier 1 risk-based capital ratio | 24.6640% | 944 |
| Total risk-based capital ratio | 25.9323% | 925 |
| Memoranda: | ||
| Average total assets | $148,678,000 | 3,845 |
| Average earning assets | $136,336,250 | 3,828 |
| Average equity | $20,969,750 | 3,013 |
| Average total loans | $76,108,500 | 4,315 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4023% | 1,556 |
| Cost of funding earning assets | 0.1614% | 7,434 |
| Net interest margin | 5.2409% | 264 |
| Noninterest income to average assets | 1.1767% | 924 |
| Noninterest expense to average assets | 4.1532% | 868 |
| Loan and lease loss provision to assets | 0.1845% | 4,075 |
| Net operating income to assets | 1.6755% | 628 |
| Return on assets (ROA) | 1.6755% | 672 |
| Pretax return on assets | 1.6755% | 1,101 |
| Return on Equity (ROE) | 11.7272% | 1,574 |
| Retained earnings to average equity (ytd only) | 4.7253% | 3,180 |
| Net charge-offs to loans | 0.7853% | 1,931 |
| Credit loss provision to net charge-offs | 44.4079% | 4,724 |
| Earnings coverage of net charge-offs (x) | 4.4770% | 2,856 |
| Efficiency ratio | 69.0682% | 4,315 |
| Assets per employee ($millions) | 2.6416% | 6,731 |
| Cash dividends to net income (ytd only)* | 59.7064% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8613% | 1,023 |
| Loan loss allowance to noncurrent loans | 357.8947% | 894 |
| Noncurrent assets plus other real estate owned to assets | 2.2356% | 2,934 |
| Noncurrent loans to loans | 0.7995% | 5,317 |
| Net loans and leases to total assets | 49.2573% | 5,917 |
| Net loans and leases to deposits | 60.7628% | 5,642 |
| Net loans and leases to core deposits | 60.7628% | 6,025 |
| Total domestic deposits to total assets | 81.0649% | 5,504 |
| Equity capital to assets | 14.4804% | 944 |
| Core capital (leverage) ratio | 13.8644% | 905 |
| Tier 1 risk-based capital ratio | 24.3977% | 967 |
| Total risk-based capital ratio | 25.6633% | 946 |
| Memoranda: | ||
| Average total assets | $146,343,670 | 3,912 |
| Average earning assets | $135,053,670 | 3,884 |
| Average equity | $20,908,670 | 3,015 |
| Average total loans | $77,426,000 | 4,301 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5337% | 1,213 |
| Cost of funding earning assets | 0.1607% | 7,504 |
| Net interest margin | 5.3730% | 198 |
| Noninterest income to average assets | 1.2936% | 765 |
| Noninterest expense to average assets | 4.1968% | 821 |
| Loan and lease loss provision to assets | 0.2723% | 2,975 |
| Net operating income to assets | 1.8329% | 463 |
| Return on assets (ROA) | 1.8329% | 491 |
| Pretax return on assets | 1.8329% | 769 |
| Return on Equity (ROE) | 12.9150% | 1,216 |
| Retained earnings to average equity (ytd only) | 12.9150% | 603 |
| Net charge-offs to loans | 0.1614% | 3,516 |
| Credit loss provision to net charge-offs | 312.5000% | 1,030 |
| Earnings coverage of net charge-offs (x) | 24.1563% | 996 |
| Efficiency ratio | 66.5946% | 4,928 |
| Assets per employee ($millions) | 2.7929% | 6,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0017% | 915 |
| Loan loss allowance to noncurrent loans | 262.5980% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 2.3572% | 2,888 |
| Noncurrent loans to loans | 1.1431% | 4,791 |
| Net loans and leases to total assets | 50.2450% | 5,818 |
| Net loans and leases to deposits | 62.1571% | 5,478 |
| Net loans and leases to core deposits | 62.1571% | 5,911 |
| Total domestic deposits to total assets | 80.8355% | 5,709 |
| Equity capital to assets | 14.0530% | 997 |
| Core capital (leverage) ratio | 14.1628% | 815 |
| Tier 1 risk-based capital ratio | 23.2004% | 1,060 |
| Total risk-based capital ratio | 24.4690% | 1,047 |
| Memoranda: | ||
| Average total assets | $146,872,500 | 3,936 |
| Average earning assets | $136,906,000 | 3,878 |
| Average equity | $20,844,000 | 3,001 |
| Average total loans | $79,303,000 | 4,280 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7585% | 1,383 |
| Cost of funding earning assets | 0.2324% | 7,537 |
| Net interest margin | 5.5261% | 166 |
| Noninterest income to average assets | 1.1289% | 1,159 |
| Noninterest expense to average assets | 3.9463% | 1,242 |
| Loan and lease loss provision to assets | 0.4097% | 3,650 |
| Net operating income to assets | 2.0519% | 261 |
| Return on assets (ROA) | 2.0519% | 270 |
| Pretax return on assets | 2.0519% | 435 |
| Return on Equity (ROE) | 14.8905% | 732 |
| Retained earnings to average equity (ytd only) | 3.2466% | 3,595 |
| Net charge-offs to loans | 0.4328% | 3,892 |
| Credit loss provision to net charge-offs | 164.5946% | 2,098 |
| Earnings coverage of net charge-offs (x) | 9.8892% | 1,776 |
| Efficiency ratio | 61.5853% | 5,794 |
| Assets per employee ($millions) | 2.5987% | 6,857 |
| Cash dividends to net income (ytd only)* | 78.1967% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8304% | 1,019 |
| Loan loss allowance to noncurrent loans | 224.8766% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 2.7349% | 2,551 |
| Noncurrent loans to loans | 1.2586% | 4,612 |
| Net loans and leases to total assets | 54.7163% | 5,536 |
| Net loans and leases to deposits | 68.1682% | 5,079 |
| Net loans and leases to core deposits | 68.1682% | 5,643 |
| Total domestic deposits to total assets | 80.2666% | 5,764 |
| Equity capital to assets | 14.3385% | 946 |
| Core capital (leverage) ratio | 13.4332% | 990 |
| Tier 1 risk-based capital ratio | 22.0013% | 1,174 |
| Total risk-based capital ratio | 23.2672% | 1,141 |
| Memoranda: | ||
| Average total assets | $148,645,800 | 3,897 |
| Average earning assets | $142,000,000 | 3,780 |
| Average equity | $20,482,800 | 3,078 |
| Average total loans | $85,498,000 | 4,168 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8030% | 1,391 |
| Cost of funding earning assets | 0.2452% | 7,656 |
| Net interest margin | 5.5579% | 156 |
| Noninterest income to average assets | 1.2376% | 897 |
| Noninterest expense to average assets | 3.9384% | 1,138 |
| Loan and lease loss provision to assets | 0.2612% | 4,494 |
| Net operating income to assets | 2.3552% | 174 |
| Return on assets (ROA) | 2.3552% | 182 |
| Pretax return on assets | 2.3552% | 297 |
| Return on Equity (ROE) | 17.2587% | 558 |
| Retained earnings to average equity (ytd only) | 4.3879% | 3,407 |
| Net charge-offs to loans | 0.2382% | 4,517 |
| Credit loss provision to net charge-offs | 189.6774% | 1,898 |
| Earnings coverage of net charge-offs (x) | 19.0001% | 1,225 |
| Efficiency ratio | 60.0840% | 5,935 |
| Assets per employee ($millions) | 2.8889% | 6,399 |
| Cash dividends to net income (ytd only)* | 74.5755% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5880% | 1,223 |
| Loan loss allowance to noncurrent loans | 118.6275% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 2.6935% | 2,680 |
| Noncurrent loans to loans | 2.1816% | 3,472 |
| Net loans and leases to total assets | 53.5432% | 5,911 |
| Net loans and leases to deposits | 65.8490% | 5,680 |
| Net loans and leases to core deposits | 65.8490% | 6,138 |
| Total domestic deposits to total assets | 81.3121% | 5,263 |
| Equity capital to assets | 13.4792% | 1,358 |
| Core capital (leverage) ratio | 13.4603% | 1,072 |
| Tier 1 risk-based capital ratio | 21.4240% | 1,299 |
| Total risk-based capital ratio | 22.6874% | 1,272 |
| Memoranda: | ||
| Average total assets | $150,074,750 | 3,924 |
| Average earning assets | $143,576,750 | 3,805 |
| Average equity | $20,480,000 | 3,125 |
| Average total loans | $86,751,500 | 4,204 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8463% | 1,311 |
| Cost of funding earning assets | 0.2663% | 7,728 |
| Net interest margin | 5.5801% | 150 |
| Noninterest income to average assets | 1.2827% | 778 |
| Noninterest expense to average assets | 4.0426% | 998 |
| Loan and lease loss provision to assets | 0.1664% | 5,219 |
| Net operating income to assets | 2.4164% | 159 |
| Return on assets (ROA) | 2.4164% | 169 |
| Pretax return on assets | 2.4164% | 271 |
| Return on Equity (ROE) | 17.6332% | 504 |
| Retained earnings to average equity (ytd only) | 4.7877% | 3,019 |
| Net charge-offs to loans | 0.3150% | 3,747 |
| Credit loss provision to net charge-offs | 89.8551% | 4,428 |
| Earnings coverage of net charge-offs (x) | 13.9493% | 1,560 |
| Efficiency ratio | 61.0166% | 5,853 |
| Assets per employee ($millions) | 2.8440% | 6,469 |
| Cash dividends to net income (ytd only)* | 72.8484% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3223% | 1,550 |
| Loan loss allowance to noncurrent loans | 88.8938% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 2.7447% | 2,639 |
| Noncurrent loans to loans | 2.6124% | 3,029 |
| Net loans and leases to total assets | 57.5944% | 5,477 |
| Net loans and leases to deposits | 71.7424% | 5,033 |
| Net loans and leases to core deposits | 71.7424% | 5,700 |
| Total domestic deposits to total assets | 80.2794% | 5,639 |
| Equity capital to assets | 13.8262% | 1,234 |
| Core capital (leverage) ratio | 13.1714% | 1,150 |
| Tier 1 risk-based capital ratio | 21.0089% | 1,334 |
| Total risk-based capital ratio | 22.2701% | 1,311 |
| Memoranda: | ||
| Average total assets | $149,063,000 | 3,968 |
| Average earning assets | $142,722,330 | 3,847 |
| Average equity | $20,427,330 | 3,120 |
| Average total loans | $87,616,000 | 4,208 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8097% | 1,424 |
| Cost of funding earning assets | 0.2916% | 7,821 |
| Net interest margin | 5.5181% | 175 |
| Noninterest income to average assets | 1.2937% | 721 |
| Noninterest expense to average assets | 4.1376% | 864 |
| Loan and lease loss provision to assets | 0.0775% | 5,864 |
| Net operating income to assets | 2.3388% | 194 |
| Return on assets (ROA) | 2.3388% | 219 |
| Pretax return on assets | 2.3388% | 331 |
| Return on Equity (ROE) | 17.1422% | 596 |
| Retained earnings to average equity (ytd only) | 15.4573% | 378 |
| Net charge-offs to loans | 0.6149% | 2,278 |
| Credit loss provision to net charge-offs | 21.4815% | 4,930 |
| Earnings coverage of net charge-offs (x) | 6.6963% | 2,186 |
| Efficiency ratio | 63.1321% | 5,638 |
| Assets per employee ($millions) | 2.8084% | 6,630 |
| Cash dividends to net income (ytd only)* | 9.8286% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2096% | 1,731 |
| Loan loss allowance to noncurrent loans | 101.8977% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 2.4253% | 3,001 |
| Noncurrent loans to loans | 2.1684% | 3,571 |
| Net loans and leases to total assets | 56.4124% | 5,684 |
| Net loans and leases to deposits | 69.9481% | 5,348 |
| Net loans and leases to core deposits | 70.6225% | 5,862 |
| Total domestic deposits to total assets | 80.6490% | 5,573 |
| Equity capital to assets | 13.7012% | 1,241 |
| Core capital (leverage) ratio | 13.3077% | 1,127 |
| Tier 1 risk-based capital ratio | 20.9669% | 1,344 |
| Total risk-based capital ratio | 22.2265% | 1,317 |
| Memoranda: | ||
| Average total assets | $149,651,500 | 4,013 |
| Average earning assets | $142,658,500 | 3,898 |
| Average equity | $20,417,500 | 3,147 |
| Average total loans | $87,824,500 | 4,265 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5549% | 600 |
| Cost of funding earning assets | 0.3924% | 7,878 |
| Net interest margin | 6.1625% | 101 |
| Noninterest income to average assets | 0.9670% | 1,677 |
| Noninterest expense to average assets | 3.6849% | 1,941 |
| Loan and lease loss provision to assets | 1.3746% | 1,672 |
| Net operating income to assets | 1.7743% | 379 |
| Return on assets (ROA) | 1.7743% | 398 |
| Pretax return on assets | 1.7743% | 667 |
| Return on Equity (ROE) | 13.2008% | 914 |
| Retained earnings to average equity (ytd only) | -0.0298% | 4,936 |
| Net charge-offs to loans | 1.2011% | 2,051 |
| Credit loss provision to net charge-offs | 179.8077% | 2,314 |
| Earnings coverage of net charge-offs (x) | 4.1189% | 3,053 |
| Efficiency ratio | 53.9214% | 7,237 |
| Assets per employee ($millions) | 2.7859% | 6,678 |
| Cash dividends to net income (ytd only)* | 100.2260% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3127% | 1,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2062% | 4,687 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 58.3311% | 5,603 |
| Net loans and leases to deposits | 72.1967% | 5,301 |
| Net loans and leases to core deposits | 73.7275% | 6,552 |
| Total domestic deposits to total assets | 80.7947% | 5,407 |
| Equity capital to assets | 13.5840% | 1,288 |
| Core capital (leverage) ratio | 12.6974% | 1,356 |
| Tier 1 risk-based capital ratio | 20.0125% | 1,464 |
| Total risk-based capital ratio | 21.2737% | 1,421 |
| Memoranda: | ||
| Average total assets | $149,638,200 | 3,964 |
| Average earning assets | $142,458,800 | 3,852 |
| Average equity | $20,112,400 | 3,179 |
| Average total loans | $95,247,000 | 4,080 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6509% | 559 |
| Cost of funding earning assets | 0.4059% | 7,972 |
| Net interest margin | 6.2450% | 90 |
| Noninterest income to average assets | 1.1021% | 1,305 |
| Noninterest expense to average assets | 3.7290% | 1,751 |
| Loan and lease loss provision to assets | 1.1296% | 1,728 |
| Net operating income to assets | 2.1873% | 186 |
| Return on assets (ROA) | 2.1873% | 208 |
| Pretax return on assets | 2.1873% | 365 |
| Return on Equity (ROE) | 16.3166% | 620 |
| Retained earnings to average equity (ytd only) | -0.4571% | 5,333 |
| Net charge-offs to loans | 0.6665% | 2,694 |
| Credit loss provision to net charge-offs | 262.2680% | 1,623 |
| Earnings coverage of net charge-offs (x) | 7.7010% | 2,365 |
| Efficiency ratio | 52.9241% | 7,335 |
| Assets per employee ($millions) | 2.8976% | 6,415 |
| Cash dividends to net income (ytd only)* | 102.8015% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0082% | 1,779 |
| Loan loss allowance to noncurrent loans | 66.9818% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 3.3655% | 1,995 |
| Noncurrent loans to loans | 2.9981% | 2,518 |
| Net loans and leases to total assets | 61.9515% | 5,251 |
| Net loans and leases to deposits | 76.5803% | 4,951 |
| Net loans and leases to core deposits | 78.1635% | 6,473 |
| Total domestic deposits to total assets | 80.8974% | 5,122 |
| Equity capital to assets | 13.2655% | 1,590 |
| Core capital (leverage) ratio | 12.8699% | 1,423 |
| Tier 1 risk-based capital ratio | 18.2271% | 1,930 |
| Total risk-based capital ratio | 19.4840% | 1,870 |
| Memoranda: | ||
| Average total assets | $150,134,750 | 3,980 |
| Average earning assets | $142,894,000 | 3,868 |
| Average equity | $20,126,250 | 3,212 |
| Average total loans | $97,017,250 | 4,063 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7791% | 468 |
| Cost of funding earning assets | 0.4243% | 8,063 |
| Net interest margin | 6.3548% | 77 |
| Noninterest income to average assets | 1.2150% | 1,052 |
| Noninterest expense to average assets | 3.7145% | 1,809 |
| Loan and lease loss provision to assets | 0.8136% | 2,058 |
| Net operating income to assets | 2.7195% | 84 |
| Return on assets (ROA) | 2.7195% | 94 |
| Pretax return on assets | 2.7195% | 148 |
| Return on Equity (ROE) | 20.2158% | 328 |
| Retained earnings to average equity (ytd only) | 1.0708% | 4,729 |
| Net charge-offs to loans | 0.3524% | 3,424 |
| Credit loss provision to net charge-offs | 354.6512% | 1,306 |
| Earnings coverage of net charge-offs (x) | 15.4012% | 1,601 |
| Efficiency ratio | 51.2514% | 7,571 |
| Assets per employee ($millions) | 2.8147% | 6,590 |
| Cash dividends to net income (ytd only)* | 94.7033% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 2,500 |
| Loan loss allowance to noncurrent loans | 52.1855% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 3.5776% | 1,741 |
| Noncurrent loans to loans | 3.1738% | 2,251 |
| Net loans and leases to total assets | 62.2522% | 5,319 |
| Net loans and leases to deposits | 78.0610% | 4,859 |
| Net loans and leases to core deposits | 79.3035% | 6,465 |
| Total domestic deposits to total assets | 79.7482% | 5,550 |
| Equity capital to assets | 13.3459% | 1,543 |
| Core capital (leverage) ratio | 13.0204% | 1,421 |
| Tier 1 risk-based capital ratio | 18.0666% | 2,002 |
| Total risk-based capital ratio | 19.3189% | 1,939 |
| Memoranda: | ||
| Average total assets | $149,954,330 | 3,990 |
| Average earning assets | $142,348,670 | 3,895 |
| Average equity | $20,172,330 | 3,219 |
| Average total loans | $97,603,330 | 4,078 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9423% | 380 |
| Cost of funding earning assets | 0.4383% | 8,121 |
| Net interest margin | 6.5040% | 73 |
| Noninterest income to average assets | 1.2185% | 973 |
| Noninterest expense to average assets | 3.7222% | 1,610 |
| Loan and lease loss provision to assets | 0.2927% | 3,611 |
| Net operating income to assets | 3.3630% | 52 |
| Return on assets (ROA) | 3.3630% | 60 |
| Pretax return on assets | 3.3630% | 90 |
| Return on Equity (ROE) | 24.9015% | 190 |
| Retained earnings to average equity (ytd only) | 17.3168% | 258 |
| Net charge-offs to loans | 0.6977% | 1,790 |
| Credit loss provision to net charge-offs | 63.5838% | 4,464 |
| Earnings coverage of net charge-offs (x) | 7.9422% | 2,269 |
| Efficiency ratio | 50.4508% | 7,555 |
| Assets per employee ($millions) | 2.7909% | 6,667 |
| Cash dividends to net income (ytd only)* | 30.4589% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 5,665 |
| Loan loss allowance to noncurrent loans | 36.1073% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 3.9971% | 1,287 |
| Noncurrent loans to loans | 2.9726% | 2,197 |
| Net loans and leases to total assets | 65.0105% | 4,811 |
| Net loans and leases to deposits | 81.7066% | 4,331 |
| Net loans and leases to core deposits | 83.2506% | 6,126 |
| Total domestic deposits to total assets | 79.5658% | 5,522 |
| Equity capital to assets | 13.8453% | 1,410 |
| Core capital (leverage) ratio | 13.7953% | 1,233 |
| Tier 1 risk-based capital ratio | 17.9689% | 2,063 |
| Total risk-based capital ratio | 18.9166% | 2,086 |
| Memoranda: | ||
| Average total assets | $150,343,000 | 4,006 |
| Average earning assets | $142,373,500 | 3,907 |
| Average equity | $20,304,000 | 3,219 |
| Average total loans | $99,190,000 | 4,063 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2941% | 602 |
| Cost of funding earning assets | 0.6852% | 8,157 |
| Net interest margin | 6.6090% | 66 |
| Noninterest income to average assets | 1.3947% | 740 |
| Noninterest expense to average assets | 3.6478% | 2,046 |
| Loan and lease loss provision to assets | 0.0470% | 6,833 |
| Net operating income to assets | 4.0155% | 41 |
| Return on assets (ROA) | 4.0155% | 41 |
| Pretax return on assets | 4.0155% | 60 |
| Return on Equity (ROE) | 32.5591% | 41 |
| Retained earnings to average equity (ytd only) | 0.1321% | 5,151 |
| Net charge-offs to loans | 0.1082% | 5,202 |
| Credit loss provision to net charge-offs | 71.4286% | 6,052 |
| Earnings coverage of net charge-offs (x) | 61.7524% | 651 |
| Efficiency ratio | 47.3103% | 7,861 |
| Assets per employee ($millions) | 2.8298% | 6,493 |
| Cash dividends to net income (ytd only)* | 99.5943% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 5,023 |
| Loan loss allowance to noncurrent loans | 77.5637% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 2.5290% | 1,915 |
| Noncurrent loans to loans | 1.4626% | 3,602 |
| Net loans and leases to total assets | 65.4856% | 4,954 |
| Net loans and leases to deposits | 81.6253% | 4,775 |
| Net loans and leases to core deposits | 83.1885% | 6,369 |
| Total domestic deposits to total assets | 80.2271% | 4,932 |
| Equity capital to assets | 13.1633% | 1,725 |
| Core capital (leverage) ratio | 12.4914% | 1,755 |
| Tier 1 risk-based capital ratio | 16.9764% | 2,319 |
| Total risk-based capital ratio | 17.9760% | 2,345 |
| Memoranda: | ||
| Average total assets | $159,605,000 | 3,722 |
| Average earning assets | $152,520,400 | 3,605 |
| Average equity | $19,684,200 | 3,279 |
| Average total loans | $97,057,800 | 4,031 |