Home > Capitol Bank > Performance and Condition Ratios
Capitol 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 | 5.0431% | 1,989 |
| Cost of funding earning assets | 2.4067% | 454 |
| Net interest margin | 2.6364% | 3,922 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 1.9401% | 3,757 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.6645% | 3,284 |
| Return on assets (ROA) | 0.6204% | 3,371 |
| Pretax return on assets | 0.9456% | 2,826 |
| Return on Equity (ROE) | 6.3600% | 3,458 |
| Retained earnings to average equity (ytd only) | 6.3565% | 2,111 |
| Net charge-offs to loans | -0.0017% | 3,667 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.6925% | 2,759 |
| Assets per employee ($millions) | 10.9235% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 1,733 |
| Loan loss allowance to noncurrent loans | 330.7058% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 1,631 |
| Noncurrent loans to loans | 0.3950% | 1,800 |
| Net loans and leases to total assets | 82.2200% | 410 |
| Net loans and leases to deposits | 95.3138% | 839 |
| Net loans and leases to core deposits | 123.3847% | 539 |
| Total domestic deposits to total assets | 86.2700% | 1,921 |
| Equity capital to assets | 9.8246% | 2,110 |
| Core capital (leverage) ratio | 10.6884% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0605% | 2,222 |
| Memoranda: | ||
| Average total assets | $564,299,000 | 1,569 |
| Average earning assets | $534,178,000 | 1,535 |
| Average equity | $55,077,400 | 1,486 |
| Average total loans | $463,624,800 | 1,314 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9294% | 2,001 |
| Cost of funding earning assets | 2.2754% | 433 |
| Net interest margin | 2.6540% | 3,943 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.9742% | 3,653 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.5761% | 3,608 |
| Return on assets (ROA) | 0.5444% | 3,659 |
| Pretax return on assets | 0.7057% | 3,537 |
| Return on Equity (ROE) | 5.5900% | 3,714 |
| Retained earnings to average equity (ytd only) | 5.5874% | 2,753 |
| Net charge-offs to loans | -0.0018% | 3,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.6852% | 1,604 |
| Assets per employee ($millions) | 10.1923% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 2,166 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 82.5400% | 396 |
| Net loans and leases to deposits | 95.7261% | 772 |
| Net loans and leases to core deposits | 124.6483% | 443 |
| Total domestic deposits to total assets | 86.2300% | 2,124 |
| Equity capital to assets | 9.7114% | 1,986 |
| Core capital (leverage) ratio | 10.5831% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0899% | 2,238 |
| Memoranda: | ||
| Average total assets | $557,906,500 | 1,585 |
| Average earning assets | $529,001,250 | 1,551 |
| Average equity | $54,358,750 | 1,495 |
| Average total loans | $456,674,250 | 1,325 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7821% | 2,032 |
| Cost of funding earning assets | 2.0883% | 421 |
| Net interest margin | 2.6938% | 3,981 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.0082% | 3,574 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.5924% | 3,592 |
| Return on assets (ROA) | 0.5924% | 3,602 |
| Pretax return on assets | 0.7727% | 3,455 |
| Return on Equity (ROE) | 6.0700% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.0738% | 2,594 |
| Net charge-offs to loans | -0.0022% | 3,548 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.5583% | 1,606 |
| Assets per employee ($millions) | 10.4638% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,137 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 80.6400% | 566 |
| Net loans and leases to deposits | 97.4124% | 649 |
| Net loans and leases to core deposits | 108.7678% | 876 |
| Total domestic deposits to total assets | 82.7800% | 3,094 |
| Equity capital to assets | 9.7263% | 2,015 |
| Core capital (leverage) ratio | 10.8283% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6367% | 2,045 |
| Memoranda: | ||
| Average total assets | $557,016,000 | 1,585 |
| Average earning assets | $528,466,000 | 1,558 |
| Average equity | $54,331,667 | 1,500 |
| Average total loans | $452,721,000 | 1,315 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6926% | 1,868 |
| Cost of funding earning assets | 1.8637% | 397 |
| Net interest margin | 2.8288% | 3,906 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.0340% | 3,544 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6655% | 3,539 |
| Return on assets (ROA) | 0.6655% | 3,494 |
| Pretax return on assets | 0.8817% | 3,287 |
| Return on Equity (ROE) | 6.8100% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.8125% | 2,546 |
| Net charge-offs to loans | -0.0018% | 3,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.7594% | 1,770 |
| Assets per employee ($millions) | 10.2625% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 2,161 |
| 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 | 80.1600% | 523 |
| Net loans and leases to deposits | 95.3096% | 695 |
| Net loans and leases to core deposits | 106.7128% | 804 |
| Total domestic deposits to total assets | 84.1100% | 3,071 |
| Equity capital to assets | 9.8727% | 1,887 |
| Core capital (leverage) ratio | 10.6233% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6545% | 2,111 |
| Memoranda: | ||
| Average total assets | $553,002,000 | 1,618 |
| Average earning assets | $523,891,500 | 1,585 |
| Average equity | $54,018,500 | 1,513 |
| Average total loans | $448,366,000 | 1,339 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 1,978 |
| Cost of funding earning assets | 0.6213% | 827 |
| Net interest margin | 3.2809% | 2,620 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.1071% | 3,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9641% | 2,704 |
| Return on assets (ROA) | 0.9641% | 2,649 |
| Pretax return on assets | 1.2883% | 2,128 |
| Return on Equity (ROE) | 9.3700% | 3,005 |
| Retained earnings to average equity (ytd only) | 9.3683% | 1,370 |
| Net charge-offs to loans | -0.0015% | 3,399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.0567% | 2,756 |
| Assets per employee ($millions) | 10.2191% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,354 |
| Loan loss allowance to noncurrent loans | 11,231.2500% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 3,815 |
| Noncurrent loans to loans | 0.0107% | 3,764 |
| Net loans and leases to total assets | 79.9800% | 592 |
| Net loans and leases to deposits | 94.6885% | 736 |
| Net loans and leases to core deposits | 105.4956% | 766 |
| Total domestic deposits to total assets | 84.4700% | 3,110 |
| Equity capital to assets | 9.6633% | 1,907 |
| Core capital (leverage) ratio | 10.8722% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1915% | 2,292 |
| Memoranda: | ||
| Average total assets | $513,225,800 | 1,688 |
| Average earning assets | $488,341,800 | 1,657 |
| Average equity | $52,816,400 | 1,547 |
| Average total loans | $398,953,200 | 1,394 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6974% | 2,056 |
| Cost of funding earning assets | 0.3984% | 1,300 |
| Net interest margin | 3.2991% | 2,299 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.1724% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9534% | 2,651 |
| Return on assets (ROA) | 0.9534% | 2,621 |
| Pretax return on assets | 1.2727% | 2,133 |
| Return on Equity (ROE) | 9.1100% | 2,999 |
| Retained earnings to average equity (ytd only) | 9.1123% | 1,612 |
| Net charge-offs to loans | -0.0021% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.0572% | 2,678 |
| Assets per employee ($millions) | 9.2688% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,149 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 79.0000% | 616 |
| Net loans and leases to deposits | 92.9146% | 706 |
| Net loans and leases to core deposits | 104.7315% | 622 |
| Total domestic deposits to total assets | 85.0200% | 3,280 |
| Equity capital to assets | 9.7834% | 1,734 |
| Core capital (leverage) ratio | 11.1023% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3649% | 2,333 |
| Memoranda: | ||
| Average total assets | $503,575,000 | 1,719 |
| Average earning assets | $480,283,250 | 1,684 |
| Average equity | $52,689,250 | 1,572 |
| Average total loans | $387,002,250 | 1,424 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5540% | 1,982 |
| Cost of funding earning assets | 0.2509% | 2,257 |
| Net interest margin | 3.3031% | 1,899 |
| Noninterest income to average assets | 0.3299% | 3,187 |
| Noninterest expense to average assets | 2.1792% | 2,921 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9715% | 2,256 |
| Return on assets (ROA) | 0.9715% | 2,232 |
| Pretax return on assets | 1.3034% | 1,737 |
| Return on Equity (ROE) | 9.0753% | 2,675 |
| Retained earnings to average equity (ytd only) | 9.0753% | 1,266 |
| Net charge-offs to loans | -0.0021% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5739% | 2,973 |
| Assets per employee ($millions) | 9.6542% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 1,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 77.4928% | 596 |
| Net loans and leases to deposits | 93.9765% | 520 |
| Net loans and leases to core deposits | 104.0947% | 508 |
| Total domestic deposits to total assets | 82.4598% | 3,948 |
| Equity capital to assets | 10.3843% | 1,488 |
| Core capital (leverage) ratio | 11.4050% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3806% | 2,348 |
| Memoranda: | ||
| Average total assets | $495,326,000 | 1,738 |
| Average earning assets | $472,762,333 | 1,715 |
| Average equity | $53,023,000 | 1,609 |
| Average total loans | $375,088,667 | 1,454 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 1,764 |
| Cost of funding earning assets | 0.2306% | 2,391 |
| Net interest margin | 3.2839% | 1,609 |
| Noninterest income to average assets | 0.3358% | 3,085 |
| Noninterest expense to average assets | 2.1651% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9813% | 1,963 |
| Return on assets (ROA) | 0.9813% | 1,960 |
| Pretax return on assets | 1.3090% | 1,477 |
| Return on Equity (ROE) | 9.0295% | 2,308 |
| Retained earnings to average equity (ytd only) | 9.0295% | 1,262 |
| Net charge-offs to loans | -0.0022% | 3,121 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3216% | 3,228 |
| Assets per employee ($millions) | 9.3366% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 1,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 73.4933% | 698 |
| Net loans and leases to deposits | 83.8624% | 888 |
| Net loans and leases to core deposits | 91.3031% | 852 |
| Total domestic deposits to total assets | 87.6356% | 2,695 |
| Equity capital to assets | 10.6139% | 1,538 |
| Core capital (leverage) ratio | 10.9261% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6340% | 2,372 |
| Memoranda: | ||
| Average total assets | $491,980,000 | 1,754 |
| Average earning assets | $470,172,500 | 1,729 |
| Average equity | $53,469,000 | 1,639 |
| Average total loans | $365,424,500 | 1,477 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4227% | 2,872 |
| Cost of funding earning assets | 0.3223% | 2,177 |
| Net interest margin | 3.1004% | 2,901 |
| Noninterest income to average assets | 0.4979% | 2,576 |
| Noninterest expense to average assets | 1.9829% | 3,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1033% | 2,284 |
| Return on assets (ROA) | 1.1078% | 2,325 |
| Pretax return on assets | 1.4863% | 1,769 |
| Return on Equity (ROE) | 9.7835% | 2,604 |
| Retained earnings to average equity (ytd only) | 4.3280% | 3,079 |
| Net charge-offs to loans | -0.0889% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2533% | 3,550 |
| Assets per employee ($millions) | 8.8931% | 954 |
| Cash dividends to net income (ytd only)* | 55.7621% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 1,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 72.8661% | 770 |
| Net loans and leases to deposits | 83.6371% | 930 |
| Net loans and leases to core deposits | 93.2114% | 816 |
| Total domestic deposits to total assets | 87.1217% | 2,462 |
| Equity capital to assets | 11.1253% | 1,715 |
| Core capital (leverage) ratio | 11.5599% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0959% | 2,202 |
| Memoranda: | ||
| Average total assets | $485,641,200 | 1,732 |
| Average earning assets | $464,519,200 | 1,702 |
| Average equity | $54,990,400 | 1,632 |
| Average total loans | $345,319,800 | 1,535 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4862% | 2,871 |
| Cost of funding earning assets | 0.3455% | 2,162 |
| Net interest margin | 3.1407% | 2,936 |
| Noninterest income to average assets | 0.5473% | 2,420 |
| Noninterest expense to average assets | 1.9684% | 3,768 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1771% | 2,239 |
| Return on assets (ROA) | 1.1832% | 2,282 |
| Pretax return on assets | 1.5914% | 1,730 |
| Return on Equity (ROE) | 10.4035% | 2,592 |
| Retained earnings to average equity (ytd only) | 10.4035% | 1,196 |
| Net charge-offs to loans | -0.0985% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4162% | 3,606 |
| Assets per employee ($millions) | 8.7151% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5997% | 1,341 |
| 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 | 69.6671% | 1,109 |
| Net loans and leases to deposits | 80.9504% | 1,196 |
| Net loans and leases to core deposits | 91.4463% | 951 |
| Total domestic deposits to total assets | 86.0615% | 2,722 |
| Equity capital to assets | 12.0822% | 1,364 |
| Core capital (leverage) ratio | 12.2002% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7273% | 2,079 |
| Memoranda: | ||
| Average total assets | $484,771,750 | 1,753 |
| Average earning assets | $463,793,000 | 1,720 |
| Average equity | $55,134,000 | 1,654 |
| Average total loans | $341,203,000 | 1,581 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5142% | 2,851 |
| Cost of funding earning assets | 0.3694% | 2,143 |
| Net interest margin | 3.1448% | 2,909 |
| Noninterest income to average assets | 0.6117% | 2,162 |
| Noninterest expense to average assets | 1.9298% | 3,894 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2552% | 2,007 |
| Return on assets (ROA) | 1.2629% | 2,056 |
| Pretax return on assets | 1.7001% | 1,478 |
| Return on Equity (ROE) | 11.3310% | 2,296 |
| Retained earnings to average equity (ytd only) | 11.3310% | 1,054 |
| Net charge-offs to loans | -0.1454% | 4,721 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3070% | 3,884 |
| Assets per employee ($millions) | 8.2796% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 1,378 |
| Loan loss allowance to noncurrent loans | 20,492.3077% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,276 |
| Noncurrent loans to loans | 0.0076% | 4,206 |
| Net loans and leases to total assets | 73.6354% | 795 |
| Net loans and leases to deposits | 85.7456% | 932 |
| Net loans and leases to core deposits | 97.3302% | 748 |
| Total domestic deposits to total assets | 85.8766% | 2,785 |
| Equity capital to assets | 12.2852% | 1,226 |
| Core capital (leverage) ratio | 11.7237% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1464% | 1,926 |
| Memoranda: | ||
| Average total assets | $489,489,667 | 1,737 |
| Average earning assets | $468,265,333 | 1,703 |
| Average equity | $54,558,333 | 1,655 |
| Average total loans | $343,872,000 | 1,579 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4477% | 3,071 |
| Cost of funding earning assets | 0.3823% | 2,241 |
| Net interest margin | 3.0655% | 3,092 |
| Noninterest income to average assets | 0.7360% | 1,759 |
| Noninterest expense to average assets | 1.8612% | 4,083 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3282% | 1,737 |
| Return on assets (ROA) | 1.3432% | 1,786 |
| Pretax return on assets | 1.8257% | 1,244 |
| Return on Equity (ROE) | 12.6315% | 1,774 |
| Retained earnings to average equity (ytd only) | 12.6315% | 991 |
| Net charge-offs to loans | -0.2871% | 4,843 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7427% | 4,119 |
| Assets per employee ($millions) | 9.9625% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 1,473 |
| Loan loss allowance to noncurrent loans | 19,725.9259% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,365 |
| Noncurrent loans to loans | 0.0078% | 4,283 |
| Net loans and leases to total assets | 64.6281% | 1,965 |
| Net loans and leases to deposits | 73.2395% | 2,188 |
| Net loans and leases to core deposits | 82.4626% | 1,807 |
| Total domestic deposits to total assets | 88.2421% | 1,721 |
| Equity capital to assets | 10.2905% | 2,440 |
| Core capital (leverage) ratio | 10.5278% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2633% | 2,572 |
| Memoranda: | ||
| Average total assets | $506,545,000 | 1,674 |
| Average earning assets | $484,494,500 | 1,635 |
| Average equity | $53,865,500 | 1,655 |
| Average total loans | $345,484,000 | 1,577 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5198% | 3,991 |
| Cost of funding earning assets | 0.6553% | 1,960 |
| Net interest margin | 2.8645% | 4,173 |
| Noninterest income to average assets | 0.9963% | 1,045 |
| Noninterest expense to average assets | 2.0816% | 3,974 |
| Loan and lease loss provision to assets | 0.1672% | 2,291 |
| Net operating income to assets | 1.1173% | 1,851 |
| Return on assets (ROA) | 1.1288% | 1,928 |
| Pretax return on assets | 1.5142% | 1,288 |
| Return on Equity (ROE) | 9.9902% | 2,009 |
| Retained earnings to average equity (ytd only) | 9.0371% | 763 |
| Net charge-offs to loans | -0.0044% | 4,096 |
| Credit loss provision to net charge-offs | -5,357.1429% | 4,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5311% | 4,042 |
| Assets per employee ($millions) | 8.9829% | 747 |
| Cash dividends to net income (ytd only)* | 9.5398% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 1,673 |
| Loan loss allowance to noncurrent loans | 18,135.7143% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 4,424 |
| Noncurrent loans to loans | 0.0081% | 4,351 |
| Net loans and leases to total assets | 69.9516% | 1,568 |
| Net loans and leases to deposits | 79.9553% | 1,869 |
| Net loans and leases to core deposits | 90.6245% | 1,481 |
| Total domestic deposits to total assets | 87.4884% | 1,712 |
| Equity capital to assets | 11.0077% | 2,247 |
| Core capital (leverage) ratio | 10.5924% | 2,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0092% | 2,233 |
| Memoranda: | ||
| Average total assets | $448,539,200 | 1,708 |
| Average earning assets | $430,959,000 | 1,660 |
| Average equity | $50,679,800 | 1,674 |
| Average total loans | $320,899,600 | 1,608 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6346% | 3,939 |
| Cost of funding earning assets | 0.7114% | 1,955 |
| Net interest margin | 2.9232% | 4,137 |
| Noninterest income to average assets | 0.7043% | 1,789 |
| Noninterest expense to average assets | 2.0172% | 4,115 |
| Loan and lease loss provision to assets | 0.0758% | 3,373 |
| Net operating income to assets | 1.0637% | 2,097 |
| Return on assets (ROA) | 1.0793% | 2,178 |
| Pretax return on assets | 1.4489% | 1,576 |
| Return on Equity (ROE) | 9.4850% | 2,209 |
| Retained earnings to average equity (ytd only) | 8.1970% | 1,240 |
| Net charge-offs to loans | -0.0025% | 3,917 |
| Credit loss provision to net charge-offs | -4,166.6667% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2708% | 3,764 |
| Assets per employee ($millions) | 8.8997% | 713 |
| Cash dividends to net income (ytd only)* | 13.5789% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 1,879 |
| Loan loss allowance to noncurrent loans | 4,760.4167% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 4,380 |
| Noncurrent loans to loans | 0.0288% | 4,290 |
| Net loans and leases to total assets | 67.2399% | 2,355 |
| Net loans and leases to deposits | 76.4778% | 2,702 |
| Net loans and leases to core deposits | 89.7350% | 2,001 |
| Total domestic deposits to total assets | 87.9208% | 1,249 |
| Equity capital to assets | 10.6154% | 2,694 |
| Core capital (leverage) ratio | 10.3479% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0438% | 2,597 |
| Memoranda: | ||
| Average total assets | $439,404,750 | 1,712 |
| Average earning assets | $423,584,750 | 1,659 |
| Average equity | $50,000,750 | 1,684 |
| Average total loans | $315,025,250 | 1,627 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8003% | 3,856 |
| Cost of funding earning assets | 0.7897% | 1,879 |
| Net interest margin | 3.0106% | 4,103 |
| Noninterest income to average assets | 0.5976% | 2,140 |
| Noninterest expense to average assets | 2.0619% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0724% | 2,064 |
| Return on assets (ROA) | 1.0967% | 2,096 |
| Pretax return on assets | 1.4705% | 1,526 |
| Return on Equity (ROE) | 9.3946% | 2,203 |
| Retained earnings to average equity (ytd only) | 7.4371% | 1,487 |
| Net charge-offs to loans | -0.0045% | 3,990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8839% | 3,575 |
| Assets per employee ($millions) | 9.5230% | 582 |
| Cash dividends to net income (ytd only)* | 20.8369% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 1,940 |
| Loan loss allowance to noncurrent loans | 4,501.0417% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 4,458 |
| Noncurrent loans to loans | 0.0292% | 4,367 |
| Net loans and leases to total assets | 66.8974% | 2,510 |
| Net loans and leases to deposits | 75.9876% | 2,870 |
| Net loans and leases to core deposits | 87.8691% | 2,254 |
| Total domestic deposits to total assets | 88.0373% | 1,157 |
| Equity capital to assets | 10.4271% | 2,813 |
| Core capital (leverage) ratio | 11.5214% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3272% | 2,881 |
| Memoranda: | ||
| Average total assets | $422,711,000 | 1,737 |
| Average earning assets | $407,756,333 | 1,683 |
| Average equity | $49,347,333 | 1,691 |
| Average total loans | $308,800,333 | 1,630 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2223% | 3,141 |
| Cost of funding earning assets | 0.9768% | 1,532 |
| Net interest margin | 3.2455% | 3,738 |
| Noninterest income to average assets | 0.3568% | 3,385 |
| Noninterest expense to average assets | 2.1839% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9785% | 2,253 |
| Return on assets (ROA) | 0.9785% | 2,354 |
| Pretax return on assets | 1.3015% | 1,865 |
| Return on Equity (ROE) | 7.8604% | 2,572 |
| Retained earnings to average equity (ytd only) | 7.8604% | 1,270 |
| Net charge-offs to loans | -0.0067% | 3,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6577% | 3,418 |
| Assets per employee ($millions) | 7.3616% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 1,628 |
| Loan loss allowance to noncurrent loans | 4,498.9583% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 4,501 |
| Noncurrent loans to loans | 0.0316% | 4,437 |
| Net loans and leases to total assets | 78.2769% | 934 |
| Net loans and leases to deposits | 91.8087% | 1,307 |
| Net loans and leases to core deposits | 107.9412% | 948 |
| Total domestic deposits to total assets | 85.2609% | 2,305 |
| Equity capital to assets | 12.9405% | 1,454 |
| Core capital (leverage) ratio | 12.3898% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3819% | 2,122 |
| Memoranda: | ||
| Average total assets | $391,229,000 | 1,801 |
| Average earning assets | $377,140,000 | 1,753 |
| Average equity | $48,700,000 | 1,702 |
| Average total loans | $298,588,000 | 1,651 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 2,843 |
| Cost of funding earning assets | 0.9341% | 2,037 |
| Net interest margin | 3.5958% | 3,147 |
| Noninterest income to average assets | 0.3114% | 3,829 |
| Noninterest expense to average assets | 2.0832% | 4,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2687% | 1,810 |
| Return on assets (ROA) | 1.2722% | 1,877 |
| Pretax return on assets | 1.6991% | 1,188 |
| Return on Equity (ROE) | 10.7951% | 1,967 |
| Retained earnings to average equity (ytd only) | 10.7951% | 363 |
| Net charge-offs to loans | -0.0355% | 4,747 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1427% | 4,309 |
| Assets per employee ($millions) | 7.5406% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 1,299 |
| Loan loss allowance to noncurrent loans | 4,493.7500% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 4,536 |
| Noncurrent loans to loans | 0.0327% | 4,431 |
| Net loans and leases to total assets | 72.2865% | 2,046 |
| Net loans and leases to deposits | 82.8173% | 2,468 |
| Net loans and leases to core deposits | 94.6982% | 2,004 |
| Total domestic deposits to total assets | 87.2842% | 1,462 |
| Equity capital to assets | 11.9761% | 2,150 |
| Core capital (leverage) ratio | 12.3001% | 1,593 |
| Tier 1 risk-based capital ratio | 13.4542% | 3,550 |
| Total risk-based capital ratio | 14.6938% | 3,441 |
| Memoranda: | ||
| Average total assets | $381,145,200 | 1,800 |
| Average earning assets | $367,425,400 | 1,754 |
| Average equity | $44,918,400 | 1,758 |
| Average total loans | $289,822,400 | 1,647 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 2,938 |
| Cost of funding earning assets | 0.9213% | 2,131 |
| Net interest margin | 3.6155% | 3,214 |
| Noninterest income to average assets | 0.2826% | 4,052 |
| Noninterest expense to average assets | 2.0556% | 4,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2850% | 1,906 |
| Return on assets (ROA) | 1.2968% | 1,959 |
| Pretax return on assets | 1.7284% | 1,254 |
| Return on Equity (ROE) | 11.0509% | 2,003 |
| Retained earnings to average equity (ytd only) | 11.0509% | 517 |
| Net charge-offs to loans | -0.0484% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5378% | 4,331 |
| Assets per employee ($millions) | 7.7457% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 1,394 |
| Loan loss allowance to noncurrent loans | 4,495.8333% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 4,613 |
| Noncurrent loans to loans | 0.0323% | 4,523 |
| Net loans and leases to total assets | 77.2303% | 1,279 |
| Net loans and leases to deposits | 88.9560% | 1,821 |
| Net loans and leases to core deposits | 102.5806% | 1,450 |
| Total domestic deposits to total assets | 86.8185% | 1,610 |
| Equity capital to assets | 12.2973% | 2,043 |
| Core capital (leverage) ratio | 12.0595% | 1,809 |
| Tier 1 risk-based capital ratio | 12.9306% | 3,888 |
| Total risk-based capital ratio | 14.1536% | 3,798 |
| Memoranda: | ||
| Average total assets | $376,518,250 | 1,830 |
| Average earning assets | $363,097,250 | 1,785 |
| Average equity | $44,182,250 | 1,792 |
| Average total loans | $288,975,750 | 1,660 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 3,157 |
| Cost of funding earning assets | 0.8765% | 2,266 |
| Net interest margin | 3.5805% | 3,335 |
| Noninterest income to average assets | 0.2466% | 4,276 |
| Noninterest expense to average assets | 2.0623% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2355% | 2,026 |
| Return on assets (ROA) | 1.2309% | 2,091 |
| Pretax return on assets | 1.6335% | 1,445 |
| Return on Equity (ROE) | 10.6616% | 2,109 |
| Retained earnings to average equity (ytd only) | 10.6616% | 610 |
| Net charge-offs to loans | -0.0685% | 4,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7122% | 4,282 |
| Assets per employee ($millions) | 7.5060% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 1,402 |
| Loan loss allowance to noncurrent loans | 1,210.3933% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 4,303 |
| Noncurrent loans to loans | 0.1202% | 4,141 |
| Net loans and leases to total assets | 76.2636% | 1,510 |
| Net loans and leases to deposits | 87.2534% | 2,091 |
| Net loans and leases to core deposits | 101.2089% | 1,618 |
| Total domestic deposits to total assets | 87.4048% | 1,383 |
| Equity capital to assets | 11.7809% | 2,358 |
| Core capital (leverage) ratio | 11.7856% | 1,957 |
| Tier 1 risk-based capital ratio | 12.3421% | 4,221 |
| Total risk-based capital ratio | 13.5443% | 4,111 |
| Memoranda: | ||
| Average total assets | $375,511,330 | 1,846 |
| Average earning assets | $362,352,330 | 1,790 |
| Average equity | $43,352,000 | 1,815 |
| Average total loans | $286,156,000 | 1,682 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 3,216 |
| Cost of funding earning assets | 0.8407% | 2,323 |
| Net interest margin | 3.5622% | 3,391 |
| Noninterest income to average assets | 0.2388% | 4,294 |
| Noninterest expense to average assets | 2.1018% | 4,461 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1936% | 2,084 |
| Return on assets (ROA) | 1.1843% | 2,162 |
| Pretax return on assets | 1.5662% | 1,556 |
| Return on Equity (ROE) | 10.3675% | 2,211 |
| Retained earnings to average equity (ytd only) | 10.3675% | 950 |
| Net charge-offs to loans | -0.1153% | 5,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1178% | 4,200 |
| Assets per employee ($millions) | 7.8240% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 1,221 |
| Loan loss allowance to noncurrent loans | 1,195.5432% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 4,334 |
| Noncurrent loans to loans | 0.1285% | 4,161 |
| Net loans and leases to total assets | 73.2231% | 1,942 |
| Net loans and leases to deposits | 84.8753% | 2,275 |
| Net loans and leases to core deposits | 97.7634% | 1,795 |
| Total domestic deposits to total assets | 86.2714% | 2,152 |
| Equity capital to assets | 11.5564% | 2,348 |
| Core capital (leverage) ratio | 11.8055% | 1,905 |
| Tier 1 risk-based capital ratio | 12.7377% | 4,019 |
| Total risk-based capital ratio | 13.9914% | 3,913 |
| Memoranda: | ||
| Average total assets | $371,864,500 | 1,869 |
| Average earning assets | $359,215,500 | 1,812 |
| Average equity | $42,479,000 | 1,834 |
| Average total loans | $281,109,000 | 1,715 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 3,296 |
| Cost of funding earning assets | 0.6555% | 2,353 |
| Net interest margin | 3.5900% | 3,415 |
| Noninterest income to average assets | 0.3443% | 3,808 |
| Noninterest expense to average assets | 2.0997% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3222% | 1,710 |
| Return on assets (ROA) | 1.2916% | 1,829 |
| Pretax return on assets | 1.6713% | 1,245 |
| Return on Equity (ROE) | 11.7387% | 1,802 |
| Retained earnings to average equity (ytd only) | 9.0570% | 844 |
| Net charge-offs to loans | -0.0978% | 5,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1147% | 4,505 |
| Assets per employee ($millions) | 7.3636% | 845 |
| Cash dividends to net income (ytd only)* | 22.8448% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 1,337 |
| Loan loss allowance to noncurrent loans | 2,288.5870% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 4,598 |
| Noncurrent loans to loans | 0.0650% | 4,461 |
| Net loans and leases to total assets | 75.7039% | 1,662 |
| Net loans and leases to deposits | 88.7682% | 1,955 |
| Net loans and leases to core deposits | 97.5709% | 1,900 |
| Total domestic deposits to total assets | 85.2827% | 2,520 |
| Equity capital to assets | 11.2875% | 2,427 |
| Core capital (leverage) ratio | 11.5749% | 2,042 |
| Tier 1 risk-based capital ratio | 12.2006% | 4,297 |
| Total risk-based capital ratio | 13.4209% | 4,198 |
| Memoranda: | ||
| Average total assets | $359,248,400 | 1,881 |
| Average earning assets | $346,770,400 | 1,829 |
| Average equity | $39,527,400 | 1,883 |
| Average total loans | $262,708,800 | 1,767 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 3,266 |
| Cost of funding earning assets | 0.6059% | 2,431 |
| Net interest margin | 3.6094% | 3,335 |
| Noninterest income to average assets | 0.3731% | 3,645 |
| Noninterest expense to average assets | 2.1149% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3583% | 1,630 |
| Return on assets (ROA) | 1.3530% | 1,661 |
| Pretax return on assets | 1.7373% | 1,187 |
| Return on Equity (ROE) | 12.3798% | 1,648 |
| Retained earnings to average equity (ytd only) | 8.7577% | 1,323 |
| Net charge-offs to loans | -0.3260% | 5,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8050% | 4,527 |
| Assets per employee ($millions) | 7.4998% | 772 |
| Cash dividends to net income (ytd only)* | 29.2575% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 892 |
| Loan loss allowance to noncurrent loans | 2,451.3369% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 4,707 |
| Noncurrent loans to loans | 0.0690% | 4,570 |
| Net loans and leases to total assets | 74.0485% | 1,972 |
| Net loans and leases to deposits | 90.1231% | 1,879 |
| Net loans and leases to core deposits | 105.0394% | 1,376 |
| Total domestic deposits to total assets | 82.1637% | 3,561 |
| Equity capital to assets | 11.0664% | 2,603 |
| Core capital (leverage) ratio | 11.5692% | 2,117 |
| Tier 1 risk-based capital ratio | 12.1327% | 4,425 |
| Total risk-based capital ratio | 13.3868% | 4,315 |
| Memoranda: | ||
| Average total assets | $357,016,000 | 1,895 |
| Average earning assets | $344,795,000 | 1,835 |
| Average equity | $39,019,750 | 1,906 |
| Average total loans | $257,652,000 | 1,800 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 3,092 |
| Cost of funding earning assets | 0.5557% | 2,563 |
| Net interest margin | 3.6519% | 3,113 |
| Noninterest income to average assets | 0.3073% | 4,115 |
| Noninterest expense to average assets | 2.0999% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2955% | 1,792 |
| Return on assets (ROA) | 1.2876% | 1,827 |
| Pretax return on assets | 1.7229% | 1,160 |
| Return on Equity (ROE) | 11.8306% | 1,788 |
| Retained earnings to average equity (ytd only) | 6.3592% | 2,381 |
| Net charge-offs to loans | -0.5017% | 5,437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7853% | 4,610 |
| Assets per employee ($millions) | 7.5530% | 748 |
| Cash dividends to net income (ytd only)* | 46.2478% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7591% | 810 |
| Loan loss allowance to noncurrent loans | 2,415.2632% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 4,755 |
| Noncurrent loans to loans | 0.0728% | 4,595 |
| Net loans and leases to total assets | 73.7655% | 1,985 |
| Net loans and leases to deposits | 86.7538% | 2,243 |
| Net loans and leases to core deposits | 102.1858% | 1,551 |
| Total domestic deposits to total assets | 85.0286% | 2,658 |
| Equity capital to assets | 11.1943% | 2,460 |
| Core capital (leverage) ratio | 10.9288% | 2,580 |
| Tier 1 risk-based capital ratio | 12.5333% | 4,162 |
| Total risk-based capital ratio | 13.7890% | 4,055 |
| Memoranda: | ||
| Average total assets | $356,024,330 | 1,906 |
| Average earning assets | $343,707,670 | 1,850 |
| Average equity | $38,747,000 | 1,913 |
| Average total loans | $253,152,000 | 1,826 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7514% | 4,354 |
| Cost of funding earning assets | 0.4747% | 3,008 |
| Net interest margin | 3.2767% | 4,248 |
| Noninterest income to average assets | 0.3142% | 4,054 |
| Noninterest expense to average assets | 2.0937% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0401% | 2,690 |
| Return on assets (ROA) | 1.0480% | 2,671 |
| Pretax return on assets | 1.3954% | 2,021 |
| Return on Equity (ROE) | 9.7637% | 2,556 |
| Retained earnings to average equity (ytd only) | 9.7637% | 1,234 |
| Net charge-offs to loans | -0.0048% | 3,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1787% | 4,041 |
| Assets per employee ($millions) | 7.0444% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5831% | 1,198 |
| Loan loss allowance to noncurrent loans | 2,050.7772% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 4,832 |
| Noncurrent loans to loans | 0.0772% | 4,639 |
| Net loans and leases to total assets | 68.4896% | 2,699 |
| Net loans and leases to deposits | 79.9787% | 2,813 |
| Net loans and leases to core deposits | 107.0497% | 1,174 |
| Total domestic deposits to total assets | 85.6347% | 2,702 |
| Equity capital to assets | 10.7765% | 2,797 |
| Core capital (leverage) ratio | 11.1847% | 2,258 |
| Tier 1 risk-based capital ratio | 12.2358% | 4,413 |
| Total risk-based capital ratio | 13.4628% | 4,323 |
| Memoranda: | ||
| Average total assets | $360,318,500 | 1,896 |
| Average earning assets | $348,028,000 | 1,839 |
| Average equity | $38,674,000 | 1,928 |
| Average total loans | $249,289,500 | 1,856 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7085% | 4,313 |
| Cost of funding earning assets | 0.3715% | 3,504 |
| Net interest margin | 3.3371% | 4,048 |
| Noninterest income to average assets | 0.3145% | 4,212 |
| Noninterest expense to average assets | 1.9755% | 5,001 |
| Loan and lease loss provision to assets | 0.0286% | 3,700 |
| Net operating income to assets | 0.8990% | 2,717 |
| Return on assets (ROA) | 0.9052% | 2,708 |
| Pretax return on assets | 1.5405% | 1,485 |
| Return on Equity (ROE) | 8.4799% | 2,558 |
| Retained earnings to average equity (ytd only) | 7.5915% | 892 |
| Net charge-offs to loans | 0.0056% | 3,887 |
| Credit loss provision to net charge-offs | 714.2857% | 460 |
| Earnings coverage of net charge-offs (x) | 389.9286% | 225 |
| Efficiency ratio | 55.8869% | 4,778 |
| Assets per employee ($millions) | 7.3750% | 821 |
| Cash dividends to net income (ytd only)* | 10.4765% | 3,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 1,161 |
| Loan loss allowance to noncurrent loans | 1,194.5619% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 4,664 |
| Noncurrent loans to loans | 0.1332% | 4,395 |
| Net loans and leases to total assets | 67.6887% | 2,867 |
| Net loans and leases to deposits | 78.9447% | 3,020 |
| Net loans and leases to core deposits | 102.8490% | 1,501 |
| Total domestic deposits to total assets | 85.7420% | 2,554 |
| Equity capital to assets | 10.6903% | 2,951 |
| Core capital (leverage) ratio | 11.1841% | 2,168 |
| Tier 1 risk-based capital ratio | 12.4339% | 4,243 |
| Total risk-based capital ratio | 13.6849% | 4,149 |
| Memoranda: | ||
| Average total assets | $350,091,600 | 1,915 |
| Average earning assets | $337,841,200 | 1,853 |
| Average equity | $37,370,800 | 1,958 |
| Average total loans | $250,668,600 | 1,809 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7112% | 4,293 |
| Cost of funding earning assets | 0.3615% | 3,545 |
| Net interest margin | 3.3498% | 4,015 |
| Noninterest income to average assets | 0.3191% | 4,251 |
| Noninterest expense to average assets | 1.9500% | 5,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0462% | 2,349 |
| Return on assets (ROA) | 1.0547% | 2,343 |
| Pretax return on assets | 1.6164% | 1,363 |
| Return on Equity (ROE) | 9.8840% | 2,184 |
| Retained earnings to average equity (ytd only) | 8.6895% | 949 |
| Net charge-offs to loans | -0.1990% | 5,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8784% | 4,862 |
| Assets per employee ($millions) | 7.4508% | 779 |
| Cash dividends to net income (ytd only)* | 12.0860% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6938% | 1,045 |
| Loan loss allowance to noncurrent loans | 95.1559% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.3010% | 1,233 |
| Noncurrent loans to loans | 1.7800% | 1,010 |
| Net loans and leases to total assets | 71.8530% | 2,273 |
| Net loans and leases to deposits | 86.3976% | 2,252 |
| Net loans and leases to core deposits | 112.2033% | 918 |
| Total domestic deposits to total assets | 83.1655% | 3,404 |
| Equity capital to assets | 11.2299% | 2,641 |
| Core capital (leverage) ratio | 10.3107% | 3,187 |
| Tier 1 risk-based capital ratio | 12.0583% | 4,566 |
| Total risk-based capital ratio | 13.3101% | 4,462 |
| Memoranda: | ||
| Average total assets | $347,270,750 | 1,940 |
| Average earning assets | $335,299,500 | 1,874 |
| Average equity | $37,055,500 | 1,987 |
| Average total loans | $251,194,750 | 1,818 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5880% | 4,543 |
| Cost of funding earning assets | 0.3458% | 3,624 |
| Net interest margin | 3.2422% | 4,289 |
| Noninterest income to average assets | 0.3337% | 4,159 |
| Noninterest expense to average assets | 1.9221% | 5,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0064% | 2,394 |
| Return on assets (ROA) | 1.0064% | 2,436 |
| Pretax return on assets | 1.5408% | 1,521 |
| Return on Equity (ROE) | 9.5960% | 2,219 |
| Retained earnings to average equity (ytd only) | 8.0814% | 1,125 |
| Net charge-offs to loans | -0.1495% | 5,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5059% | 4,876 |
| Assets per employee ($millions) | 7.1512% | 867 |
| Cash dividends to net income (ytd only)* | 15.7835% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 1,285 |
| Loan loss allowance to noncurrent loans | 90.7200% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.2762% | 1,302 |
| Noncurrent loans to loans | 1.7524% | 1,032 |
| Net loans and leases to total assets | 71.6686% | 2,255 |
| Net loans and leases to deposits | 84.0591% | 2,468 |
| Net loans and leases to core deposits | 97.4956% | 1,849 |
| Total domestic deposits to total assets | 85.2598% | 2,711 |
| Equity capital to assets | 10.7306% | 3,105 |
| Core capital (leverage) ratio | 10.5784% | 2,835 |
| Tier 1 risk-based capital ratio | 11.9209% | 4,684 |
| Total risk-based capital ratio | 13.1721% | 4,581 |
| Memoranda: | ||
| Average total assets | $348,782,330 | 1,931 |
| Average earning assets | $336,619,000 | 1,873 |
| Average equity | $36,577,670 | 2,002 |
| Average total loans | $251,423,330 | 1,818 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5203% | 4,636 |
| Cost of funding earning assets | 0.3432% | 3,594 |
| Net interest margin | 3.1771% | 4,415 |
| Noninterest income to average assets | 0.3115% | 4,321 |
| Noninterest expense to average assets | 1.9220% | 5,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9576% | 2,491 |
| Return on assets (ROA) | 0.9576% | 2,549 |
| Pretax return on assets | 1.4542% | 1,684 |
| Return on Equity (ROE) | 9.2386% | 2,299 |
| Retained earnings to average equity (ytd only) | 9.2386% | 1,003 |
| Net charge-offs to loans | -0.0866% | 5,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9288% | 4,841 |
| Assets per employee ($millions) | 7.5434% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 1,465 |
| Loan loss allowance to noncurrent loans | 90.0988% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 1,370 |
| Noncurrent loans to loans | 1.7383% | 1,100 |
| Net loans and leases to total assets | 71.0384% | 2,212 |
| Net loans and leases to deposits | 82.9445% | 2,401 |
| Net loans and leases to core deposits | 118.4201% | 508 |
| Total domestic deposits to total assets | 85.6457% | 2,815 |
| Equity capital to assets | 10.5548% | 3,128 |
| Core capital (leverage) ratio | 10.4857% | 2,919 |
| Tier 1 risk-based capital ratio | 11.8413% | 4,820 |
| Total risk-based capital ratio | 13.0924% | 4,729 |
| Memoranda: | ||
| Average total assets | $347,968,500 | 1,945 |
| Average earning assets | $335,653,500 | 1,885 |
| Average equity | $36,066,000 | 2,027 |
| Average total loans | $249,539,500 | 1,835 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4927% | 4,800 |
| Cost of funding earning assets | 0.3031% | 4,036 |
| Net interest margin | 3.1896% | 4,477 |
| Noninterest income to average assets | 0.3994% | 3,889 |
| Noninterest expense to average assets | 1.9771% | 5,233 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9585% | 2,541 |
| Return on assets (ROA) | 0.9709% | 2,589 |
| Pretax return on assets | 1.5097% | 1,556 |
| Return on Equity (ROE) | 8.9747% | 2,435 |
| Retained earnings to average equity (ytd only) | 8.1318% | 810 |
| Net charge-offs to loans | 0.0669% | 2,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 31.5098% | 1,387 |
| Efficiency ratio | 57.0206% | 4,949 |
| Assets per employee ($millions) | 7.7542% | 668 |
| Cash dividends to net income (ytd only)* | 9.3919% | 4,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 1,486 |
| Loan loss allowance to noncurrent loans | 87.9291% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.2607% | 1,414 |
| Noncurrent loans to loans | 1.7691% | 1,080 |
| Net loans and leases to total assets | 70.1519% | 2,440 |
| Net loans and leases to deposits | 82.2300% | 2,642 |
| Net loans and leases to core deposits | 116.2093% | 609 |
| Total domestic deposits to total assets | 85.3118% | 2,919 |
| Equity capital to assets | 10.1757% | 3,511 |
| Core capital (leverage) ratio | 10.4960% | 2,888 |
| Tier 1 risk-based capital ratio | 11.6065% | 4,982 |
| Total risk-based capital ratio | 12.8442% | 4,901 |
| Memoranda: | ||
| Average total assets | $323,505,800 | 2,039 |
| Average earning assets | $311,165,400 | 1,968 |
| Average equity | $34,998,400 | 2,075 |
| Average total loans | $228,602,200 | 1,918 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4803% | 4,869 |
| Cost of funding earning assets | 0.2842% | 4,265 |
| Net interest margin | 3.1962% | 4,500 |
| Noninterest income to average assets | 0.4170% | 3,801 |
| Noninterest expense to average assets | 2.0184% | 5,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9445% | 2,679 |
| Return on assets (ROA) | 0.9703% | 2,706 |
| Pretax return on assets | 1.5126% | 1,671 |
| Return on Equity (ROE) | 8.8246% | 2,595 |
| Retained earnings to average equity (ytd only) | 7.6967% | 1,315 |
| Net charge-offs to loans | 0.0906% | 2,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 23.0397% | 1,725 |
| Efficiency ratio | 57.8225% | 4,838 |
| Assets per employee ($millions) | 7.3982% | 758 |
| Cash dividends to net income (ytd only)* | 12.7815% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 1,365 |
| Loan loss allowance to noncurrent loans | 87.6331% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.3262% | 1,432 |
| Noncurrent loans to loans | 1.8670% | 1,083 |
| Net loans and leases to total assets | 69.8691% | 2,503 |
| Net loans and leases to deposits | 83.5975% | 2,533 |
| Net loans and leases to core deposits | 129.9344% | 302 |
| Total domestic deposits to total assets | 83.5779% | 3,365 |
| Equity capital to assets | 10.7760% | 3,272 |
| Core capital (leverage) ratio | 10.9013% | 2,562 |
| Tier 1 risk-based capital ratio | 11.8415% | 4,893 |
| Total risk-based capital ratio | 13.0927% | 4,790 |
| Memoranda: | ||
| Average total assets | $317,147,250 | 2,080 |
| Average earning assets | $304,983,000 | 2,016 |
| Average equity | $34,871,250 | 2,093 |
| Average total loans | $223,588,750 | 1,961 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4893% | 4,896 |
| Cost of funding earning assets | 0.2601% | 4,546 |
| Net interest margin | 3.2292% | 4,447 |
| Noninterest income to average assets | 0.4245% | 3,699 |
| Noninterest expense to average assets | 2.0212% | 5,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9587% | 2,586 |
| Return on assets (ROA) | 0.9792% | 2,622 |
| Pretax return on assets | 1.5319% | 1,582 |
| Return on Equity (ROE) | 8.8428% | 2,565 |
| Retained earnings to average equity (ytd only) | 7.4819% | 1,391 |
| Net charge-offs to loans | 0.0848% | 1,998 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 25.1505% | 1,516 |
| Efficiency ratio | 57.4030% | 4,980 |
| Assets per employee ($millions) | 6.7361% | 982 |
| Cash dividends to net income (ytd only)* | 15.3897% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 1,254 |
| Loan loss allowance to noncurrent loans | 88.4286% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 1.4335% | 1,357 |
| Noncurrent loans to loans | 1.9339% | 1,041 |
| Net loans and leases to total assets | 72.8592% | 2,028 |
| Net loans and leases to deposits | 88.3779% | 1,938 |
| Net loans and leases to core deposits | 137.1702% | 212 |
| Total domestic deposits to total assets | 82.4406% | 3,864 |
| Equity capital to assets | 11.4186% | 2,626 |
| Core capital (leverage) ratio | 11.1654% | 2,267 |
| Tier 1 risk-based capital ratio | 12.5399% | 4,487 |
| Total risk-based capital ratio | 13.7928% | 4,404 |
| Memoranda: | ||
| Average total assets | $311,890,670 | 2,118 |
| Average earning assets | $299,087,330 | 2,063 |
| Average equity | $34,536,670 | 2,117 |
| Average total loans | $219,293,330 | 1,988 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 4,963 |
| Cost of funding earning assets | 0.2459% | 4,746 |
| Net interest margin | 3.2223% | 4,506 |
| Noninterest income to average assets | 0.4807% | 3,255 |
| Noninterest expense to average assets | 2.0300% | 5,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9772% | 2,387 |
| Return on assets (ROA) | 0.9894% | 2,438 |
| Pretax return on assets | 1.5519% | 1,429 |
| Return on Equity (ROE) | 9.0755% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.0755% | 1,097 |
| Net charge-offs to loans | -0.0037% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9788% | 5,095 |
| Assets per employee ($millions) | 7.4320% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 1,018 |
| Loan loss allowance to noncurrent loans | 94.0173% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 1,540 |
| Noncurrent loans to loans | 1.9852% | 1,088 |
| Net loans and leases to total assets | 67.7628% | 2,681 |
| Net loans and leases to deposits | 82.1178% | 2,530 |
| Net loans and leases to core deposits | 119.2906% | 485 |
| Total domestic deposits to total assets | 82.5191% | 4,060 |
| Equity capital to assets | 11.0938% | 2,832 |
| Core capital (leverage) ratio | 11.1152% | 2,295 |
| Tier 1 risk-based capital ratio | 12.5971% | 4,521 |
| Total risk-based capital ratio | 13.8509% | 4,431 |
| Memoranda: | ||
| Average total assets | $312,905,000 | 2,118 |
| Average earning assets | $299,285,000 | 2,064 |
| Average equity | $34,114,000 | 2,135 |
| Average total loans | $214,094,500 | 2,021 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4839% | 4,963 |
| Cost of funding earning assets | 0.2493% | 4,793 |
| Net interest margin | 3.2346% | 4,515 |
| Noninterest income to average assets | 0.4356% | 3,781 |
| Noninterest expense to average assets | 2.0408% | 5,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9494% | 2,616 |
| Return on assets (ROA) | 0.9683% | 2,606 |
| Pretax return on assets | 1.5287% | 1,467 |
| Return on Equity (ROE) | 9.0148% | 2,447 |
| Retained earnings to average equity (ytd only) | 8.7980% | 706 |
| Net charge-offs to loans | -0.0070% | 5,032 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6518% | 5,181 |
| Assets per employee ($millions) | 7.1287% | 849 |
| Cash dividends to net income (ytd only)* | 2.4055% | 4,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8909% | 970 |
| Loan loss allowance to noncurrent loans | 93.8390% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.5606% | 1,273 |
| Noncurrent loans to loans | 2.0151% | 1,028 |
| Net loans and leases to total assets | 66.5126% | 2,908 |
| Net loans and leases to deposits | 76.6064% | 3,190 |
| Net loans and leases to core deposits | 105.4220% | 1,137 |
| Total domestic deposits to total assets | 86.8238% | 2,227 |
| Equity capital to assets | 10.7118% | 3,119 |
| Core capital (leverage) ratio | 10.8350% | 2,577 |
| Tier 1 risk-based capital ratio | 12.8842% | 4,400 |
| Total risk-based capital ratio | 14.1389% | 4,288 |
| Memoranda: | ||
| Average total assets | $300,521,600 | 2,145 |
| Average earning assets | $288,408,800 | 2,080 |
| Average equity | $32,280,200 | 2,184 |
| Average total loans | $200,485,400 | 2,063 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 4,986 |
| Cost of funding earning assets | 0.2503% | 4,877 |
| Net interest margin | 3.2484% | 4,532 |
| Noninterest income to average assets | 0.4759% | 3,529 |
| Noninterest expense to average assets | 2.0598% | 5,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9689% | 2,625 |
| Return on assets (ROA) | 0.9904% | 2,601 |
| Pretax return on assets | 1.5700% | 1,475 |
| Return on Equity (ROE) | 9.2140% | 2,458 |
| Retained earnings to average equity (ytd only) | 8.9219% | 934 |
| Net charge-offs to loans | -0.0108% | 5,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2783% | 5,199 |
| Assets per employee ($millions) | 6.8771% | 918 |
| Cash dividends to net income (ytd only)* | 3.1703% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8806% | 1,110 |
| Loan loss allowance to noncurrent loans | 94.9493% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.6018% | 1,388 |
| Noncurrent loans to loans | 1.9806% | 1,172 |
| Net loans and leases to total assets | 69.3671% | 2,480 |
| Net loans and leases to deposits | 84.4074% | 2,354 |
| Net loans and leases to core deposits | 136.8202% | 198 |
| Total domestic deposits to total assets | 82.1813% | 4,106 |
| Equity capital to assets | 10.9424% | 3,088 |
| Core capital (leverage) ratio | 10.8832% | 2,607 |
| Tier 1 risk-based capital ratio | 13.2869% | 4,264 |
| Total risk-based capital ratio | 14.5427% | 4,187 |
| Memoranda: | ||
| Average total assets | $297,236,000 | 2,176 |
| Average earning assets | $285,505,750 | 2,111 |
| Average equity | $31,950,500 | 2,214 |
| Average total loans | $197,445,000 | 2,103 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4304% | 5,163 |
| Cost of funding earning assets | 0.2583% | 4,854 |
| Net interest margin | 3.1720% | 4,740 |
| Noninterest income to average assets | 0.5111% | 3,297 |
| Noninterest expense to average assets | 2.0626% | 5,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9392% | 2,694 |
| Return on assets (ROA) | 0.9626% | 2,684 |
| Pretax return on assets | 1.5272% | 1,566 |
| Return on Equity (ROE) | 9.0104% | 2,540 |
| Retained earnings to average equity (ytd only) | 8.7252% | 1,020 |
| Net charge-offs to loans | -0.0125% | 4,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0492% | 5,217 |
| Assets per employee ($millions) | 6.4422% | 1,083 |
| Cash dividends to net income (ytd only)* | 3.1646% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0318% | 939 |
| Loan loss allowance to noncurrent loans | 94.2542% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.6813% | 1,419 |
| Noncurrent loans to loans | 2.1556% | 1,113 |
| Net loans and leases to total assets | 66.8464% | 2,808 |
| Net loans and leases to deposits | 77.8686% | 3,049 |
| Net loans and leases to core deposits | 125.2186% | 353 |
| Total domestic deposits to total assets | 85.8451% | 2,775 |
| Equity capital to assets | 11.0983% | 2,783 |
| Core capital (leverage) ratio | 11.0746% | 2,354 |
| Tier 1 risk-based capital ratio | 13.4338% | 4,256 |
| Total risk-based capital ratio | 14.6905% | 4,183 |
| Memoranda: | ||
| Average total assets | $295,450,330 | 2,205 |
| Average earning assets | $283,352,000 | 2,145 |
| Average equity | $31,563,670 | 2,241 |
| Average total loans | $191,952,330 | 2,163 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 5,064 |
| Cost of funding earning assets | 0.2579% | 4,929 |
| Net interest margin | 3.2015% | 4,603 |
| Noninterest income to average assets | 0.4037% | 3,978 |
| Noninterest expense to average assets | 2.0186% | 5,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9116% | 2,692 |
| Return on assets (ROA) | 0.9322% | 2,725 |
| Pretax return on assets | 1.4808% | 1,630 |
| Return on Equity (ROE) | 8.8936% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.8936% | 1,237 |
| Net charge-offs to loans | -0.0169% | 4,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2205% | 5,311 |
| Assets per employee ($millions) | 6.9324% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1181% | 905 |
| Loan loss allowance to noncurrent loans | 93.2420% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.8251% | 1,342 |
| Noncurrent loans to loans | 2.2716% | 1,096 |
| Net loans and leases to total assets | 63.7236% | 3,125 |
| Net loans and leases to deposits | 74.4371% | 3,247 |
| Net loans and leases to core deposits | 112.3668% | 635 |
| Total domestic deposits to total assets | 85.6073% | 3,132 |
| Equity capital to assets | 10.8788% | 3,110 |
| Core capital (leverage) ratio | 10.4764% | 2,995 |
| Tier 1 risk-based capital ratio | 12.4936% | 4,911 |
| Total risk-based capital ratio | 13.7481% | 4,817 |
| Memoranda: | ||
| Average total assets | $298,226,000 | 2,207 |
| Average earning assets | $285,367,000 | 2,141 |
| Average equity | $31,258,500 | 2,274 |
| Average total loans | $189,025,500 | 2,192 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5800% | 5,134 |
| Cost of funding earning assets | 0.2891% | 4,910 |
| Net interest margin | 3.2909% | 4,614 |
| Noninterest income to average assets | 0.2922% | 5,030 |
| Noninterest expense to average assets | 1.9011% | 5,940 |
| Loan and lease loss provision to assets | 0.0414% | 3,751 |
| Net operating income to assets | 0.9366% | 2,690 |
| Return on assets (ROA) | 0.9706% | 2,614 |
| Pretax return on assets | 1.5489% | 1,389 |
| Return on Equity (ROE) | 9.5088% | 2,338 |
| Retained earnings to average equity (ytd only) | 8.2750% | 922 |
| Net charge-offs to loans | -0.0244% | 5,743 |
| Credit loss provision to net charge-offs | -266.6667% | 5,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2935% | 5,738 |
| Assets per employee ($millions) | 7.6323% | 621 |
| Cash dividends to net income (ytd only)* | 12.9755% | 4,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1258% | 909 |
| Loan loss allowance to noncurrent loans | 2,189.6175% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 4,521 |
| Noncurrent loans to loans | 0.0971% | 5,505 |
| Net loans and leases to total assets | 60.4311% | 3,732 |
| Net loans and leases to deposits | 69.3723% | 3,989 |
| Net loans and leases to core deposits | 105.6492% | 1,038 |
| Total domestic deposits to total assets | 87.1113% | 2,221 |
| Equity capital to assets | 10.1025% | 3,981 |
| Core capital (leverage) ratio | 10.7015% | 2,718 |
| Tier 1 risk-based capital ratio | 13.8168% | 4,229 |
| Total risk-based capital ratio | 15.0734% | 4,156 |
| Memoranda: | ||
| Average total assets | $289,824,800 | 2,216 |
| Average earning assets | $277,070,400 | 2,155 |
| Average equity | $29,583,200 | 2,298 |
| Average total loans | $184,334,200 | 2,180 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6187% | 5,098 |
| Cost of funding earning assets | 0.2988% | 4,900 |
| Net interest margin | 3.3199% | 4,536 |
| Noninterest income to average assets | 0.2989% | 5,063 |
| Noninterest expense to average assets | 1.9401% | 5,882 |
| Loan and lease loss provision to assets | 0.0420% | 3,557 |
| Net operating income to assets | 0.9346% | 2,756 |
| Return on assets (ROA) | 0.9805% | 2,612 |
| Pretax return on assets | 1.5648% | 1,440 |
| Return on Equity (ROE) | 9.5800% | 2,412 |
| Retained earnings to average equity (ytd only) | 7.9173% | 1,406 |
| Net charge-offs to loans | -0.0313% | 5,755 |
| Credit loss provision to net charge-offs | -209.3023% | 5,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8299% | 5,675 |
| Assets per employee ($millions) | 6.9309% | 827 |
| Cash dividends to net income (ytd only)* | 17.3560% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1440% | 1,030 |
| Loan loss allowance to noncurrent loans | 948.6874% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 4,338 |
| Noncurrent loans to loans | 0.2260% | 5,217 |
| Net loans and leases to total assets | 65.4416% | 2,959 |
| Net loans and leases to deposits | 76.8873% | 3,081 |
| Net loans and leases to core deposits | 113.1860% | 611 |
| Total domestic deposits to total assets | 85.1137% | 3,294 |
| Equity capital to assets | 10.8698% | 3,101 |
| Core capital (leverage) ratio | 10.6223% | 2,900 |
| Tier 1 risk-based capital ratio | 13.7596% | 4,382 |
| Total risk-based capital ratio | 15.0167% | 4,312 |
| Memoranda: | ||
| Average total assets | $285,958,500 | 2,249 |
| Average earning assets | $273,571,750 | 2,186 |
| Average equity | $29,268,500 | 2,331 |
| Average total loans | $183,293,500 | 2,202 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5268% | 5,352 |
| Cost of funding earning assets | 0.3032% | 4,942 |
| Net interest margin | 3.2236% | 4,857 |
| Noninterest income to average assets | 0.2776% | 5,208 |
| Noninterest expense to average assets | 1.9116% | 5,980 |
| Loan and lease loss provision to assets | 0.0415% | 3,489 |
| Net operating income to assets | 0.8828% | 2,899 |
| Return on assets (ROA) | 0.9285% | 2,772 |
| Pretax return on assets | 1.4803% | 1,599 |
| Return on Equity (ROE) | 9.2548% | 2,478 |
| Retained earnings to average equity (ytd only) | 7.0808% | 1,730 |
| Net charge-offs to loans | -0.0142% | 5,429 |
| Credit loss provision to net charge-offs | -461.5385% | 5,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8575% | 5,669 |
| Assets per employee ($millions) | 6.9925% | 802 |
| Cash dividends to net income (ytd only)* | 23.4899% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1157% | 1,150 |
| Loan loss allowance to noncurrent loans | 887.7551% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 4,491 |
| Noncurrent loans to loans | 0.2383% | 5,278 |
| Net loans and leases to total assets | 63.1809% | 3,212 |
| Net loans and leases to deposits | 73.0408% | 3,446 |
| Net loans and leases to core deposits | 106.8001% | 843 |
| Total domestic deposits to total assets | 86.5008% | 2,758 |
| Equity capital to assets | 10.2968% | 3,698 |
| Core capital (leverage) ratio | 10.4433% | 3,024 |
| Tier 1 risk-based capital ratio | 13.9647% | 4,277 |
| Total risk-based capital ratio | 15.2224% | 4,215 |
| Memoranda: | ||
| Average total assets | $288,866,330 | 2,235 |
| Average earning assets | $276,400,330 | 2,166 |
| Average equity | $28,979,670 | 2,343 |
| Average total loans | $182,590,670 | 2,199 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 5,439 |
| Cost of funding earning assets | 0.3084% | 4,985 |
| Net interest margin | 3.1868% | 4,963 |
| Noninterest income to average assets | 0.2538% | 5,335 |
| Noninterest expense to average assets | 1.9162% | 6,040 |
| Loan and lease loss provision to assets | 0.0414% | 3,261 |
| Net operating income to assets | 0.8552% | 2,873 |
| Return on assets (ROA) | 0.8967% | 2,733 |
| Pretax return on assets | 1.4113% | 1,709 |
| Return on Equity (ROE) | 9.0562% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.0562% | 1,228 |
| Net charge-offs to loans | -0.0198% | 5,352 |
| Credit loss provision to net charge-offs | -333.3333% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9958% | 5,648 |
| Assets per employee ($millions) | 7.1305% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1388% | 1,253 |
| Loan loss allowance to noncurrent loans | 1,297.9933% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 4,732 |
| Noncurrent loans to loans | 0.1648% | 5,591 |
| Net loans and leases to total assets | 63.8556% | 2,918 |
| Net loans and leases to deposits | 74.4163% | 3,021 |
| Net loans and leases to core deposits | 115.6990% | 415 |
| Total domestic deposits to total assets | 85.8086% | 3,459 |
| Equity capital to assets | 10.4531% | 3,294 |
| Core capital (leverage) ratio | 10.0703% | 3,470 |
| Tier 1 risk-based capital ratio | 13.9159% | 4,378 |
| Total risk-based capital ratio | 15.1687% | 4,323 |
| Memoranda: | ||
| Average total assets | $289,954,000 | 2,234 |
| Average earning assets | $277,524,000 | 2,164 |
| Average equity | $28,709,500 | 2,350 |
| Average total loans | $181,361,500 | 2,221 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 4,858 |
| Cost of funding earning assets | 0.3794% | 4,843 |
| Net interest margin | 3.4089% | 4,241 |
| Noninterest income to average assets | 0.3627% | 4,713 |
| Noninterest expense to average assets | 1.8938% | 6,197 |
| Loan and lease loss provision to assets | 0.0690% | 3,751 |
| Net operating income to assets | 1.0377% | 2,173 |
| Return on assets (ROA) | 1.0428% | 2,217 |
| Pretax return on assets | 1.6602% | 1,033 |
| Return on Equity (ROE) | 11.1000% | 1,731 |
| Retained earnings to average equity (ytd only) | 9.7226% | 615 |
| Net charge-offs to loans | 0.2281% | 2,635 |
| Credit loss provision to net charge-offs | 49.7512% | 3,826 |
| Earnings coverage of net charge-offs (x) | 12.4080% | 2,126 |
| Efficiency ratio | 52.3864% | 6,266 |
| Assets per employee ($millions) | 7.5455% | 586 |
| Cash dividends to net income (ytd only)* | 12.4090% | 3,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1195% | 1,301 |
| Loan loss allowance to noncurrent loans | 1,272.1854% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.4340% | 4,951 |
| Noncurrent loans to loans | 0.1666% | 5,698 |
| Net loans and leases to total assets | 58.7851% | 3,909 |
| Net loans and leases to deposits | 67.0288% | 4,176 |
| Net loans and leases to core deposits | 102.0769% | 1,020 |
| Total domestic deposits to total assets | 87.7012% | 2,360 |
| Equity capital to assets | 9.3931% | 4,555 |
| Core capital (leverage) ratio | 9.9107% | 3,686 |
| Tier 1 risk-based capital ratio | 13.6315% | 4,566 |
| Total risk-based capital ratio | 14.8888% | 4,505 |
| Memoranda: | ||
| Average total assets | $289,788,600 | 2,213 |
| Average earning assets | $276,480,800 | 2,140 |
| Average equity | $27,225,200 | 2,438 |
| Average total loans | $176,242,200 | 2,237 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8620% | 4,634 |
| Cost of funding earning assets | 0.3984% | 4,829 |
| Net interest margin | 3.4636% | 4,041 |
| Noninterest income to average assets | 0.3929% | 4,585 |
| Noninterest expense to average assets | 1.8983% | 6,190 |
| Loan and lease loss provision to assets | 0.1046% | 3,012 |
| Net operating income to assets | 1.0625% | 2,141 |
| Return on assets (ROA) | 1.0693% | 2,205 |
| Pretax return on assets | 1.7030% | 1,091 |
| Return on Equity (ROE) | 11.3813% | 1,687 |
| Retained earnings to average equity (ytd only) | 9.5257% | 901 |
| Net charge-offs to loans | 0.2050% | 2,596 |
| Credit loss provision to net charge-offs | 83.6431% | 2,759 |
| Earnings coverage of net charge-offs (x) | 14.3679% | 1,951 |
| Efficiency ratio | 51.3714% | 6,299 |
| Assets per employee ($millions) | 6.8855% | 792 |
| Cash dividends to net income (ytd only)* | 16.3044% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1759% | 1,367 |
| Loan loss allowance to noncurrent loans | 898.8764% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.5276% | 4,860 |
| Noncurrent loans to loans | 0.2421% | 5,631 |
| Net loans and leases to total assets | 65.2926% | 2,753 |
| Net loans and leases to deposits | 76.7916% | 2,846 |
| Net loans and leases to core deposits | 118.7405% | 345 |
| Total domestic deposits to total assets | 85.0258% | 3,737 |
| Equity capital to assets | 10.0450% | 3,840 |
| Core capital (leverage) ratio | 10.0947% | 3,528 |
| Tier 1 risk-based capital ratio | 13.4570% | 4,788 |
| Total risk-based capital ratio | 14.7155% | 4,730 |
| Memoranda: | ||
| Average total assets | $286,781,250 | 2,237 |
| Average earning assets | $273,427,500 | 2,162 |
| Average equity | $26,944,000 | 2,490 |
| Average total loans | $174,986,250 | 2,256 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 4,763 |
| Cost of funding earning assets | 0.4106% | 4,855 |
| Net interest margin | 3.4083% | 4,164 |
| Noninterest income to average assets | 0.4102% | 4,449 |
| Noninterest expense to average assets | 1.8839% | 6,252 |
| Loan and lease loss provision to assets | 0.1032% | 3,073 |
| Net operating income to assets | 1.0481% | 2,120 |
| Return on assets (ROA) | 1.0490% | 2,239 |
| Pretax return on assets | 1.6698% | 1,185 |
| Return on Equity (ROE) | 11.4143% | 1,676 |
| Retained earnings to average equity (ytd only) | 8.9802% | 1,127 |
| Net charge-offs to loans | 0.3150% | 1,926 |
| Credit loss provision to net charge-offs | 55.3506% | 3,117 |
| Earnings coverage of net charge-offs (x) | 9.4982% | 2,277 |
| Efficiency ratio | 51.5346% | 6,312 |
| Assets per employee ($millions) | 6.6197% | 857 |
| Cash dividends to net income (ytd only)* | 21.3255% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2239% | 1,374 |
| Loan loss allowance to noncurrent loans | 875.8929% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.5365% | 4,917 |
| Noncurrent loans to loans | 0.2539% | 5,674 |
| Net loans and leases to total assets | 63.5660% | 2,993 |
| Net loans and leases to deposits | 75.5149% | 2,945 |
| Net loans and leases to core deposits | 109.4544% | 581 |
| Total domestic deposits to total assets | 84.1768% | 4,251 |
| Equity capital to assets | 9.9036% | 4,048 |
| Core capital (leverage) ratio | 9.7378% | 3,885 |
| Tier 1 risk-based capital ratio | 13.4934% | 4,776 |
| Total risk-based capital ratio | 14.7524% | 4,723 |
| Memoranda: | ||
| Average total assets | $290,568,330 | 2,221 |
| Average earning assets | $276,680,670 | 2,147 |
| Average equity | $26,703,330 | 2,516 |
| Average total loans | $172,038,670 | 2,293 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7680% | 4,931 |
| Cost of funding earning assets | 0.4223% | 4,890 |
| Net interest margin | 3.3458% | 4,333 |
| Noninterest income to average assets | 0.4198% | 4,314 |
| Noninterest expense to average assets | 1.8244% | 6,403 |
| Loan and lease loss provision to assets | 0.1000% | 3,010 |
| Net operating income to assets | 1.0488% | 2,041 |
| Return on assets (ROA) | 1.0488% | 2,150 |
| Pretax return on assets | 1.6738% | 1,145 |
| Return on Equity (ROE) | 11.8277% | 1,468 |
| Retained earnings to average equity (ytd only) | 11.1514% | 842 |
| Net charge-offs to loans | 0.6265% | 971 |
| Credit loss provision to net charge-offs | 28.1955% | 2,913 |
| Earnings coverage of net charge-offs (x) | 5.0038% | 2,424 |
| Efficiency ratio | 50.7037% | 6,456 |
| Assets per employee ($millions) | 7.4876% | 610 |
| Cash dividends to net income (ytd only)* | 5.7179% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2684% | 1,460 |
| Loan loss allowance to noncurrent loans | 286.8950% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.9205% | 4,093 |
| Noncurrent loans to loans | 0.7907% | 4,540 |
| Net loans and leases to total assets | 58.3429% | 3,733 |
| Net loans and leases to deposits | 67.6982% | 3,801 |
| Net loans and leases to core deposits | 103.3456% | 749 |
| Total domestic deposits to total assets | 86.1810% | 3,429 |
| Equity capital to assets | 9.4757% | 4,884 |
| Core capital (leverage) ratio | 8.8716% | 5,093 |
| Tier 1 risk-based capital ratio | 13.1816% | 5,076 |
| Total risk-based capital ratio | 14.4397% | 5,024 |
| Memoranda: | ||
| Average total assets | $300,149,500 | 2,188 |
| Average earning assets | $285,135,500 | 2,123 |
| Average equity | $26,615,500 | 2,555 |
| Average total loans | $169,835,000 | 2,326 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2632% | 4,350 |
| Cost of funding earning assets | 0.5780% | 4,558 |
| Net interest margin | 3.6852% | 3,711 |
| Noninterest income to average assets | 0.5537% | 3,552 |
| Noninterest expense to average assets | 1.9553% | 6,408 |
| Loan and lease loss provision to assets | 0.3851% | 1,694 |
| Net operating income to assets | 1.0658% | 2,065 |
| Return on assets (ROA) | 1.0658% | 2,253 |
| Pretax return on assets | 1.7210% | 1,089 |
| Return on Equity (ROE) | 12.0566% | 1,495 |
| Retained earnings to average equity (ytd only) | 10.4908% | 505 |
| Net charge-offs to loans | 1.1751% | 868 |
| Credit loss provision to net charge-offs | 51.8395% | 4,652 |
| Earnings coverage of net charge-offs (x) | 2.8352% | 4,010 |
| Efficiency ratio | 48.1430% | 6,703 |
| Assets per employee ($millions) | 8.3098% | 441 |
| Cash dividends to net income (ytd only)* | 12.9870% | 3,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3814% | 1,264 |
| Loan loss allowance to noncurrent loans | 163.1961% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.8696% | 4,309 |
| Noncurrent loans to loans | 1.4592% | 3,406 |
| Net loans and leases to total assets | 52.4972% | 4,846 |
| Net loans and leases to deposits | 59.9098% | 5,034 |
| Net loans and leases to core deposits | 100.8922% | 970 |
| Total domestic deposits to total assets | 87.6271% | 2,461 |
| Equity capital to assets | 8.3193% | 6,183 |
| Core capital (leverage) ratio | 9.2861% | 4,441 |
| Tier 1 risk-based capital ratio | 12.7626% | 5,283 |
| Total risk-based capital ratio | 14.0218% | 5,213 |
| Memoranda: | ||
| Average total assets | $281,749,200 | 2,253 |
| Average earning assets | $268,179,600 | 2,167 |
| Average equity | $24,907,600 | 2,663 |
| Average total loans | $178,111,400 | 2,228 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 4,029 |
| Cost of funding earning assets | 0.6081% | 4,563 |
| Net interest margin | 3.7962% | 3,349 |
| Noninterest income to average assets | 0.5221% | 3,790 |
| Noninterest expense to average assets | 1.9874% | 6,372 |
| Loan and lease loss provision to assets | 0.3294% | 1,992 |
| Net operating income to assets | 1.1374% | 1,961 |
| Return on assets (ROA) | 1.1374% | 2,153 |
| Pretax return on assets | 1.8303% | 983 |
| Return on Equity (ROE) | 12.6508% | 1,426 |
| Retained earnings to average equity (ytd only) | 10.5342% | 777 |
| Net charge-offs to loans | 0.1584% | 3,851 |
| Credit loss provision to net charge-offs | 315.4206% | 848 |
| Earnings coverage of net charge-offs (x) | 20.6820% | 1,437 |
| Efficiency ratio | 47.9233% | 6,721 |
| Assets per employee ($millions) | 6.9911% | 747 |
| Cash dividends to net income (ytd only)* | 16.7311% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1127% | 651 |
| Loan loss allowance to noncurrent loans | 455.7025% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.6437% | 5,061 |
| Noncurrent loans to loans | 0.6831% | 5,075 |
| Net loans and leases to total assets | 64.6051% | 2,908 |
| Net loans and leases to deposits | 76.0727% | 2,975 |
| Net loans and leases to core deposits | 114.1195% | 428 |
| Total domestic deposits to total assets | 84.9255% | 3,774 |
| Equity capital to assets | 9.6778% | 4,953 |
| Core capital (leverage) ratio | 9.2295% | 4,704 |
| Tier 1 risk-based capital ratio | 12.4275% | 5,690 |
| Total risk-based capital ratio | 13.6960% | 5,652 |
| Memoranda: | ||
| Average total assets | $273,243,750 | 2,338 |
| Average earning assets | $260,919,750 | 2,248 |
| Average equity | $24,567,000 | 2,728 |
| Average total loans | $180,185,500 | 2,224 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3920% | 4,215 |
| Cost of funding earning assets | 0.6351% | 4,573 |
| Net interest margin | 3.7568% | 3,555 |
| Noninterest income to average assets | 0.4627% | 4,186 |
| Noninterest expense to average assets | 1.9509% | 6,517 |
| Loan and lease loss provision to assets | 0.3264% | 2,016 |
| Net operating income to assets | 1.0995% | 2,049 |
| Return on assets (ROA) | 1.0995% | 2,274 |
| Pretax return on assets | 1.7718% | 1,092 |
| Return on Equity (ROE) | 12.5362% | 1,490 |
| Retained earnings to average equity (ytd only) | 9.7660% | 1,044 |
| Net charge-offs to loans | 0.1887% | 3,451 |
| Credit loss provision to net charge-offs | 263.1579% | 1,092 |
| Earnings coverage of net charge-offs (x) | 16.9181% | 1,557 |
| Efficiency ratio | 48.1820% | 6,768 |
| Assets per employee ($millions) | 6.7034% | 852 |
| Cash dividends to net income (ytd only)* | 22.0976% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9740% | 795 |
| Loan loss allowance to noncurrent loans | 453.3163% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 5,213 |
| Noncurrent loans to loans | 0.6561% | 5,193 |
| Net loans and leases to total assets | 64.8634% | 2,864 |
| Net loans and leases to deposits | 76.1453% | 2,968 |
| Net loans and leases to core deposits | 118.1479% | 345 |
| Total domestic deposits to total assets | 85.1836% | 3,777 |
| Equity capital to assets | 9.2490% | 5,397 |
| Core capital (leverage) ratio | 8.9305% | 5,012 |
| Tier 1 risk-based capital ratio | 12.2338% | 5,761 |
| Total risk-based capital ratio | 13.5015% | 5,733 |
| Memoranda: | ||
| Average total assets | $275,771,670 | 2,330 |
| Average earning assets | $263,254,000 | 2,236 |
| Average equity | $24,186,000 | 2,752 |
| Average total loans | $181,199,330 | 2,209 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 4,411 |
| Cost of funding earning assets | 0.6512% | 4,723 |
| Net interest margin | 3.7274% | 3,703 |
| Noninterest income to average assets | 0.4206% | 4,514 |
| Noninterest expense to average assets | 1.9300% | 6,588 |
| Loan and lease loss provision to assets | 0.3219% | 1,952 |
| Net operating income to assets | 1.0730% | 2,194 |
| Return on assets (ROA) | 1.0730% | 2,378 |
| Pretax return on assets | 1.7311% | 1,233 |
| Return on Equity (ROE) | 12.5633% | 1,518 |
| Retained earnings to average equity (ytd only) | 11.4745% | 927 |
| Net charge-offs to loans | 0.0659% | 3,833 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 47.8333% | 658 |
| Efficiency ratio | 48.4555% | 6,768 |
| Assets per employee ($millions) | 7.0958% | 723 |
| Cash dividends to net income (ytd only)* | 8.6667% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9201% | 896 |
| Loan loss allowance to noncurrent loans | 524.8000% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 6,006 |
| Noncurrent loans to loans | 0.5564% | 5,550 |
| Net loans and leases to total assets | 61.4710% | 3,362 |
| Net loans and leases to deposits | 71.4643% | 3,515 |
| Net loans and leases to core deposits | 105.9602% | 675 |
| Total domestic deposits to total assets | 86.0163% | 3,522 |
| Equity capital to assets | 8.5389% | 6,053 |
| Core capital (leverage) ratio | 8.5258% | 5,554 |
| Tier 1 risk-based capital ratio | 12.5020% | 5,598 |
| Total risk-based capital ratio | 13.7214% | 5,590 |
| Memoranda: | ||
| Average total assets | $279,589,500 | 2,315 |
| Average earning assets | $267,212,500 | 2,225 |
| Average equity | $23,879,000 | 2,777 |
| Average total loans | $182,172,500 | 2,207 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 3,600 |
| Cost of funding earning assets | 0.8291% | 4,633 |
| Net interest margin | 4.0169% | 2,803 |
| Noninterest income to average assets | 0.4420% | 4,290 |
| Noninterest expense to average assets | 2.1865% | 6,300 |
| Loan and lease loss provision to assets | 0.5388% | 1,951 |
| Net operating income to assets | 0.9437% | 2,436 |
| Return on assets (ROA) | 1.0450% | 2,173 |
| Pretax return on assets | 1.7022% | 990 |
| Return on Equity (ROE) | 12.1385% | 1,369 |
| Retained earnings to average equity (ytd only) | 10.6502% | 454 |
| Net charge-offs to loans | 0.1381% | 5,040 |
| Credit loss provision to net charge-offs | 552.2088% | 416 |
| Earnings coverage of net charge-offs (x) | 21.3454% | 1,098 |
| Efficiency ratio | 51.2162% | 6,758 |
| Assets per employee ($millions) | 6.8837% | 778 |
| Cash dividends to net income (ytd only)* | 12.2610% | 3,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7364% | 1,048 |
| Loan loss allowance to noncurrent loans | 491.9182% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 6,045 |
| Noncurrent loans to loans | 0.5563% | 5,606 |
| Net loans and leases to total assets | 65.2161% | 2,936 |
| Net loans and leases to deposits | 76.4533% | 3,105 |
| Net loans and leases to core deposits | 115.3691% | 457 |
| Total domestic deposits to total assets | 85.3019% | 3,690 |
| Equity capital to assets | 8.5426% | 6,084 |
| Core capital (leverage) ratio | 8.9488% | 4,864 |
| Tier 1 risk-based capital ratio | 12.0672% | 5,786 |
| Total risk-based capital ratio | 13.2420% | 5,815 |
| Memoranda: | ||
| Average total assets | $255,203,200 | 2,468 |
| Average earning assets | $243,145,200 | 2,368 |
| Average equity | $21,971,400 | 2,896 |
| Average total loans | $180,319,400 | 2,240 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9189% | 3,474 |
| Cost of funding earning assets | 0.8602% | 4,706 |
| Net interest margin | 4.0587% | 2,652 |
| Noninterest income to average assets | 0.3912% | 4,732 |
| Noninterest expense to average assets | 2.1473% | 6,410 |
| Loan and lease loss provision to assets | 0.6129% | 1,607 |
| Net operating income to assets | 0.9079% | 2,709 |
| Return on assets (ROA) | 1.0345% | 2,355 |
| Pretax return on assets | 1.6911% | 1,165 |
| Return on Equity (ROE) | 11.9902% | 1,555 |
| Retained earnings to average equity (ytd only) | 10.3100% | 765 |
| Net charge-offs to loans | 0.0506% | 5,474 |
| Credit loss provision to net charge-offs | 1,691.1765% | 163 |
| Earnings coverage of net charge-offs (x) | 58.1205% | 570 |
| Efficiency ratio | 50.4824% | 6,803 |
| Assets per employee ($millions) | 6.1354% | 1,126 |
| Cash dividends to net income (ytd only)* | 14.0135% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6890% | 1,142 |
| Loan loss allowance to noncurrent loans | 579.6296% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 6,209 |
| Noncurrent loans to loans | 0.4639% | 5,918 |
| Net loans and leases to total assets | 72.0457% | 1,692 |
| Net loans and leases to deposits | 85.4607% | 1,763 |
| Net loans and leases to core deposits | 122.3836% | 331 |
| Total domestic deposits to total assets | 84.3027% | 4,098 |
| Equity capital to assets | 9.0808% | 5,658 |
| Core capital (leverage) ratio | 9.0074% | 4,910 |
| Tier 1 risk-based capital ratio | 12.2162% | 5,732 |
| Total risk-based capital ratio | 13.4842% | 5,702 |
| Memoranda: | ||
| Average total assets | $250,166,750 | 2,530 |
| Average earning assets | $238,068,750 | 2,426 |
| Average equity | $21,583,750 | 2,937 |
| Average total loans | $179,243,250 | 2,275 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8241% | 3,983 |
| Cost of funding earning assets | 0.8726% | 4,881 |
| Net interest margin | 3.9515% | 3,083 |
| Noninterest income to average assets | 0.3644% | 4,961 |
| Noninterest expense to average assets | 2.2050% | 6,373 |
| Loan and lease loss provision to assets | 0.4806% | 2,057 |
| Net operating income to assets | 0.9022% | 2,626 |
| Return on assets (ROA) | 0.9299% | 2,620 |
| Pretax return on assets | 1.5194% | 1,473 |
| Return on Equity (ROE) | 10.9715% | 1,806 |
| Retained earnings to average equity (ytd only) | 8.9208% | 1,136 |
| Net charge-offs to loans | 0.0034% | 5,837 |
| Credit loss provision to net charge-offs | 20,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 814.3333% | 32 |
| Efficiency ratio | 52.9831% | 6,714 |
| Assets per employee ($millions) | 6.3521% | 995 |
| Cash dividends to net income (ytd only)* | 18.6908% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4605% | 1,508 |
| Loan loss allowance to noncurrent loans | 414.9541% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 6,041 |
| Noncurrent loans to loans | 0.5930% | 5,738 |
| Net loans and leases to total assets | 72.3775% | 1,710 |
| Net loans and leases to deposits | 86.8152% | 1,673 |
| Net loans and leases to core deposits | 122.1027% | 374 |
| Total domestic deposits to total assets | 83.3696% | 4,600 |
| Equity capital to assets | 8.9265% | 5,682 |
| Core capital (leverage) ratio | 8.7594% | 5,116 |
| Tier 1 risk-based capital ratio | 11.9785% | 5,802 |
| Total risk-based capital ratio | 13.2391% | 5,765 |
| Memoranda: | ||
| Average total assets | $249,704,670 | 2,553 |
| Average earning assets | $239,960,000 | 2,424 |
| Average equity | $21,164,000 | 2,976 |
| Average total loans | $176,910,670 | 2,322 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 4,513 |
| Cost of funding earning assets | 0.8931% | 4,971 |
| Net interest margin | 3.8098% | 3,568 |
| Noninterest income to average assets | 0.2840% | 5,639 |
| Noninterest expense to average assets | 2.1030% | 6,627 |
| Loan and lease loss provision to assets | 0.4787% | 1,838 |
| Net operating income to assets | 0.8361% | 2,850 |
| Return on assets (ROA) | 0.8361% | 2,909 |
| Pretax return on assets | 1.3642% | 1,831 |
| Return on Equity (ROE) | 10.1310% | 2,052 |
| Retained earnings to average equity (ytd only) | 10.1310% | 1,094 |
| Net charge-offs to loans | 0.0069% | 5,024 |
| Credit loss provision to net charge-offs | 10,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 385.0000% | 72 |
| Efficiency ratio | 53.2956% | 6,763 |
| Assets per employee ($millions) | 6.2040% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4338% | 1,557 |
| Loan loss allowance to noncurrent loans | 410.0000% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 5,546 |
| Noncurrent loans to loans | 0.5936% | 5,838 |
| Net loans and leases to total assets | 68.2194% | 2,503 |
| Net loans and leases to deposits | 80.2922% | 2,666 |
| Net loans and leases to core deposits | 107.1767% | 886 |
| Total domestic deposits to total assets | 84.9640% | 4,046 |
| Equity capital to assets | 8.4664% | 5,958 |
| Core capital (leverage) ratio | 8.5511% | 5,349 |
| Tier 1 risk-based capital ratio | 12.2309% | 5,494 |
| Total risk-based capital ratio | 13.4952% | 5,480 |
| Memoranda: | ||
| Average total assets | $250,690,500 | 2,564 |
| Average earning assets | $240,958,000 | 2,438 |
| Average equity | $20,689,000 | 3,027 |
| Average total loans | $173,453,000 | 2,383 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1291% | 3,964 |
| Cost of funding earning assets | 1.1798% | 4,679 |
| Net interest margin | 3.9493% | 3,258 |
| Noninterest income to average assets | 0.5514% | 3,812 |
| Noninterest expense to average assets | 2.1577% | 6,714 |
| Loan and lease loss provision to assets | 0.7793% | 2,101 |
| Net operating income to assets | 0.8557% | 2,563 |
| Return on assets (ROA) | 0.9322% | 2,397 |
| Pretax return on assets | 1.5287% | 1,304 |
| Return on Equity (ROE) | 11.0415% | 1,574 |
| Retained earnings to average equity (ytd only) | 8.9958% | 700 |
| Net charge-offs to loans | 0.4540% | 3,801 |
| Credit loss provision to net charge-offs | 225.3350% | 1,320 |
| Earnings coverage of net charge-offs (x) | 6.3276% | 2,384 |
| Efficiency ratio | 49.6462% | 7,150 |
| Assets per employee ($millions) | 6.3306% | 1,022 |
| Cash dividends to net income (ytd only)* | 18.5269% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2642% | 1,749 |
| Loan loss allowance to noncurrent loans | 215.8329% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7736% | 5,469 |
| Noncurrent loans to loans | 1.0491% | 4,973 |
| Net loans and leases to total assets | 66.9232% | 3,241 |
| Net loans and leases to deposits | 78.9340% | 3,351 |
| Net loans and leases to core deposits | 128.3408% | 352 |
| Total domestic deposits to total assets | 84.7838% | 3,953 |
| Equity capital to assets | 8.0435% | 6,449 |
| Core capital (leverage) ratio | 8.3221% | 5,656 |
| Tier 1 risk-based capital ratio | 11.8587% | 5,608 |
| Total risk-based capital ratio | 13.1212% | 5,584 |
| Memoranda: | ||
| Average total assets | $237,387,600 | 2,666 |
| Average earning assets | $228,091,200 | 2,546 |
| Average equity | $20,042,600 | 3,141 |
| Average total loans | $180,848,000 | 2,345 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2441% | 3,612 |
| Cost of funding earning assets | 1.2406% | 4,624 |
| Net interest margin | 4.0036% | 3,090 |
| Noninterest income to average assets | 0.4752% | 4,376 |
| Noninterest expense to average assets | 2.1562% | 6,724 |
| Loan and lease loss provision to assets | 0.6854% | 2,228 |
| Net operating income to assets | 0.8969% | 2,623 |
| Return on assets (ROA) | 1.0007% | 2,350 |
| Pretax return on assets | 1.6410% | 1,242 |
| Return on Equity (ROE) | 11.7024% | 1,590 |
| Retained earnings to average equity (ytd only) | 9.4648% | 919 |
| Net charge-offs to loans | 0.2583% | 4,396 |
| Credit loss provision to net charge-offs | 338.9831% | 937 |
| Earnings coverage of net charge-offs (x) | 10.7033% | 1,866 |
| Efficiency ratio | 49.9075% | 7,164 |
| Assets per employee ($millions) | 6.0961% | 1,178 |
| Cash dividends to net income (ytd only)* | 19.1212% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1176% | 1,959 |
| Loan loss allowance to noncurrent loans | 158.8036% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 1.2164% | 4,717 |
| Noncurrent loans to loans | 1.3334% | 4,628 |
| Net loans and leases to total assets | 72.7736% | 2,058 |
| Net loans and leases to deposits | 86.4087% | 2,255 |
| Net loans and leases to core deposits | 109.7441% | 1,049 |
| Total domestic deposits to total assets | 84.2202% | 3,992 |
| Equity capital to assets | 8.7568% | 5,923 |
| Core capital (leverage) ratio | 8.6598% | 5,258 |
| Tier 1 risk-based capital ratio | 11.7298% | 5,706 |
| Total risk-based capital ratio | 12.9907% | 5,665 |
| Memoranda: | ||
| Average total assets | $233,428,750 | 2,737 |
| Average earning assets | $224,194,500 | 2,616 |
| Average equity | $19,961,250 | 3,194 |
| Average total loans | $182,712,250 | 2,363 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3294% | 3,321 |
| Cost of funding earning assets | 1.2960% | 4,563 |
| Net interest margin | 4.0334% | 2,858 |
| Noninterest income to average assets | 0.4388% | 4,619 |
| Noninterest expense to average assets | 2.1949% | 6,660 |
| Loan and lease loss provision to assets | 0.5173% | 2,726 |
| Net operating income to assets | 0.9786% | 2,268 |
| Return on assets (ROA) | 0.9802% | 2,351 |
| Pretax return on assets | 1.6009% | 1,298 |
| Return on Equity (ROE) | 11.5576% | 1,577 |
| Retained earnings to average equity (ytd only) | 8.7114% | 1,198 |
| Net charge-offs to loans | 0.2610% | 4,039 |
| Credit loss provision to net charge-offs | 248.9627% | 1,549 |
| Earnings coverage of net charge-offs (x) | 10.1826% | 1,927 |
| Efficiency ratio | 50.9200% | 7,158 |
| Assets per employee ($millions) | 5.7586% | 1,403 |
| Cash dividends to net income (ytd only)* | 24.6262% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8272% | 2,641 |
| Loan loss allowance to noncurrent loans | 8,568.4211% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 6,664 |
| Noncurrent loans to loans | 0.0213% | 7,270 |
| Net loans and leases to total assets | 74.0969% | 1,890 |
| Net loans and leases to deposits | 87.6561% | 2,237 |
| Net loans and leases to core deposits | 112.3387% | 1,015 |
| Total domestic deposits to total assets | 84.5313% | 3,851 |
| Equity capital to assets | 8.5810% | 6,044 |
| Core capital (leverage) ratio | 8.4393% | 5,512 |
| Tier 1 risk-based capital ratio | 11.2234% | 6,017 |
| Total risk-based capital ratio | 12.4811% | 5,996 |
| Memoranda: | ||
| Average total assets | $231,989,330 | 2,779 |
| Average earning assets | $222,691,000 | 2,655 |
| Average equity | $19,675,330 | 3,219 |
| Average total loans | $184,696,330 | 2,368 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3723% | 3,183 |
| Cost of funding earning assets | 1.3322% | 4,610 |
| Net interest margin | 4.0401% | 2,697 |
| Noninterest income to average assets | 0.4436% | 4,531 |
| Noninterest expense to average assets | 2.2494% | 6,547 |
| Loan and lease loss provision to assets | 0.5219% | 2,414 |
| Net operating income to assets | 0.9413% | 2,390 |
| Return on assets (ROA) | 0.9446% | 2,444 |
| Pretax return on assets | 1.5500% | 1,395 |
| Return on Equity (ROE) | 11.2057% | 1,718 |
| Retained earnings to average equity (ytd only) | 10.0707% | 1,124 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1161% | 7,139 |
| Assets per employee ($millions) | 6.0945% | 1,194 |
| Cash dividends to net income (ytd only)* | 10.1289% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 2,973 |
| Loan loss allowance to noncurrent loans | 693.4924% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.5916% | 6,035 |
| Noncurrent loans to loans | 0.2487% | 6,844 |
| Net loans and leases to total assets | 78.6632% | 1,030 |
| Net loans and leases to deposits | 93.6662% | 1,388 |
| Net loans and leases to core deposits | 121.7705% | 717 |
| Total domestic deposits to total assets | 83.9825% | 4,155 |
| Equity capital to assets | 8.4775% | 6,034 |
| Core capital (leverage) ratio | 8.3991% | 5,560 |
| Tier 1 risk-based capital ratio | 10.7390% | 6,400 |
| Total risk-based capital ratio | 11.9863% | 6,387 |
| Memoranda: | ||
| Average total assets | $229,932,500 | 2,878 |
| Average earning assets | $220,388,000 | 2,733 |
| Average equity | $19,383,000 | 3,280 |
| Average total loans | $187,944,000 | 2,402 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6187% | 3,505 |
| Cost of funding earning assets | 1.7863% | 4,065 |
| Net interest margin | 3.8324% | 3,566 |
| Noninterest income to average assets | 0.5056% | 4,367 |
| Noninterest expense to average assets | 2.2526% | 6,867 |
| Loan and lease loss provision to assets | 0.6230% | 3,311 |
| Net operating income to assets | 0.8003% | 2,539 |
| Return on assets (ROA) | 0.8893% | 2,284 |
| Pretax return on assets | 1.4639% | 1,279 |
| Return on Equity (ROE) | 10.6254% | 1,515 |
| Retained earnings to average equity (ytd only) | 9.0613% | 489 |
| Net charge-offs to loans | 0.5544% | 3,564 |
| Credit loss provision to net charge-offs | 129.3346% | 3,970 |
| Earnings coverage of net charge-offs (x) | 4.0440% | 3,090 |
| Efficiency ratio | 53.6271% | 7,266 |
| Assets per employee ($millions) | 6.0072% | 1,242 |
| Cash dividends to net income (ytd only)* | 14.7208% | 3,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5206% | 3,620 |
| Loan loss allowance to noncurrent loans | 592.4335% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 6,472 |
| Noncurrent loans to loans | 0.2567% | 6,781 |
| Net loans and leases to total assets | 82.1895% | 660 |
| Net loans and leases to deposits | 103.5511% | 670 |
| Net loans and leases to core deposits | 144.1740% | 666 |
| Total domestic deposits to total assets | 79.3709% | 5,884 |
| Equity capital to assets | 8.3816% | 6,079 |
| Core capital (leverage) ratio | 8.1928% | 5,821 |
| Tier 1 risk-based capital ratio | 10.3195% | 6,567 |
| Total risk-based capital ratio | 11.5735% | 6,535 |
| Memoranda: | ||
| Average total assets | $221,524,600 | 2,923 |
| Average earning assets | $213,571,000 | 2,783 |
| Average equity | $18,540,400 | 3,416 |
| Average total loans | $192,472,000 | 2,374 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6546% | 3,547 |
| Cost of funding earning assets | 1.8736% | 4,024 |
| Net interest margin | 3.7810% | 3,732 |
| Noninterest income to average assets | 0.4846% | 4,626 |
| Noninterest expense to average assets | 2.2198% | 6,921 |
| Loan and lease loss provision to assets | 0.4427% | 3,695 |
| Net operating income to assets | 0.8824% | 2,488 |
| Return on assets (ROA) | 1.0019% | 2,111 |
| Pretax return on assets | 1.6600% | 1,043 |
| Return on Equity (ROE) | 11.9758% | 1,356 |
| Retained earnings to average equity (ytd only) | 10.4172% | 557 |
| Net charge-offs to loans | 0.0988% | 5,684 |
| Credit loss provision to net charge-offs | 510.4895% | 768 |
| Earnings coverage of net charge-offs (x) | 22.0911% | 1,175 |
| Efficiency ratio | 53.6736% | 7,270 |
| Assets per employee ($millions) | 6.1655% | 1,135 |
| Cash dividends to net income (ytd only)* | 13.0146% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6730% | 2,724 |
| Loan loss allowance to noncurrent loans | 243.1748% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 1.1204% | 4,837 |
| Noncurrent loans to loans | 0.6880% | 5,925 |
| Net loans and leases to total assets | 81.6942% | 864 |
| Net loans and leases to deposits | 99.8644% | 1,116 |
| Net loans and leases to core deposits | 142.8153% | 805 |
| Total domestic deposits to total assets | 81.8051% | 4,761 |
| Equity capital to assets | 8.3157% | 6,486 |
| Core capital (leverage) ratio | 8.4675% | 5,548 |
| Tier 1 risk-based capital ratio | 10.1778% | 6,806 |
| Total risk-based capital ratio | 11.4339% | 6,737 |
| Memoranda: | ||
| Average total assets | $219,837,000 | 2,959 |
| Average earning assets | $212,281,750 | 2,824 |
| Average equity | $18,392,250 | 3,468 |
| Average total loans | $192,961,250 | 2,390 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7134% | 3,461 |
| Cost of funding earning assets | 1.9753% | 3,889 |
| Net interest margin | 3.7381% | 3,800 |
| Noninterest income to average assets | 0.4644% | 4,749 |
| Noninterest expense to average assets | 2.2315% | 6,968 |
| Loan and lease loss provision to assets | 0.2580% | 4,515 |
| Net operating income to assets | 0.9572% | 2,255 |
| Return on assets (ROA) | 0.9914% | 2,237 |
| Pretax return on assets | 1.6409% | 1,128 |
| Return on Equity (ROE) | 11.8244% | 1,473 |
| Retained earnings to average equity (ytd only) | 10.0112% | 730 |
| Net charge-offs to loans | 0.1443% | 4,739 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 14.3071% | 1,666 |
| Efficiency ratio | 54.7345% | 7,255 |
| Assets per employee ($millions) | 5.4063% | 1,661 |
| Cash dividends to net income (ytd only)* | 15.3346% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 3,745 |
| Loan loss allowance to noncurrent loans | 116.9099% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 4,810 |
| Noncurrent loans to loans | 1.1938% | 4,832 |
| Net loans and leases to total assets | 88.9944% | 186 |
| Net loans and leases to deposits | 107.4166% | 684 |
| Net loans and leases to core deposits | 156.2271% | 514 |
| Total domestic deposits to total assets | 82.8497% | 4,311 |
| Equity capital to assets | 8.5719% | 5,942 |
| Core capital (leverage) ratio | 8.3639% | 5,690 |
| Tier 1 risk-based capital ratio | 9.9902% | 6,942 |
| Total risk-based capital ratio | 11.2257% | 6,885 |
| Memoranda: | ||
| Average total assets | $217,074,670 | 3,015 |
| Average earning assets | $209,788,000 | 2,872 |
| Average equity | $18,199,670 | 3,525 |
| Average total loans | $194,103,330 | 2,411 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8148% | 3,225 |
| Cost of funding earning assets | 2.0582% | 3,834 |
| Net interest margin | 3.7566% | 3,629 |
| Noninterest income to average assets | 0.4690% | 4,599 |
| Noninterest expense to average assets | 2.1077% | 7,098 |
| Loan and lease loss provision to assets | 0.2391% | 4,072 |
| Net operating income to assets | 1.0555% | 2,116 |
| Return on assets (ROA) | 1.1238% | 2,009 |
| Pretax return on assets | 1.8576% | 881 |
| Return on Equity (ROE) | 13.5544% | 1,257 |
| Retained earnings to average equity (ytd only) | 13.5544% | 562 |
| Net charge-offs to loans | 0.0827% | 4,341 |
| Credit loss provision to net charge-offs | 325.0000% | 1,525 |
| Earnings coverage of net charge-offs (x) | 27.0500% | 1,151 |
| Efficiency ratio | 51.4363% | 7,473 |
| Assets per employee ($millions) | 6.1555% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 3,627 |
| Loan loss allowance to noncurrent loans | 1,661.4907% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 7,070 |
| Noncurrent loans to loans | 0.0830% | 7,288 |
| Net loans and leases to total assets | 86.3673% | 395 |
| Net loans and leases to deposits | 104.0356% | 1,008 |
| Net loans and leases to core deposits | 152.7556% | 624 |
| Total domestic deposits to total assets | 83.0171% | 4,138 |
| Equity capital to assets | 8.2478% | 6,467 |
| Core capital (leverage) ratio | 8.2258% | 6,049 |
| Tier 1 risk-based capital ratio | 9.7854% | 7,157 |
| Total risk-based capital ratio | 11.0433% | 7,052 |
| Memoranda: | ||
| Average total assets | $217,485,500 | 3,023 |
| Average earning assets | $210,085,000 | 2,879 |
| Average equity | $18,031,000 | 3,561 |
| Average total loans | $193,566,500 | 2,436 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6295% | 2,345 |
| Cost of funding earning assets | 2.7530% | 2,909 |
| Net interest margin | 3.8765% | 3,671 |
| Noninterest income to average assets | 0.3934% | 5,525 |
| Noninterest expense to average assets | 2.1737% | 7,041 |
| Loan and lease loss provision to assets | 0.4114% | 3,229 |
| Net operating income to assets | 0.9081% | 2,966 |
| Return on assets (ROA) | 0.9081% | 2,814 |
| Pretax return on assets | 1.5165% | 1,633 |
| Return on Equity (ROE) | 10.8470% | 1,951 |
| Retained earnings to average equity (ytd only) | 10.0792% | 440 |
| Net charge-offs to loans | 0.0028% | 6,976 |
| Credit loss provision to net charge-offs | 16,000.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 749.8000% | 72 |
| Efficiency ratio | 52.9965% | 7,383 |
| Assets per employee ($millions) | 5.7668% | 1,282 |
| Cash dividends to net income (ytd only)* | 7.0781% | 4,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 3,540 |
| Loan loss allowance to noncurrent loans | 210.9388% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 5,468 |
| Noncurrent loans to loans | 0.6345% | 5,467 |
| Net loans and leases to total assets | 89.2737% | 250 |
| Net loans and leases to deposits | 108.1232% | 962 |
| Net loans and leases to core deposits | 147.6754% | 953 |
| Total domestic deposits to total assets | 82.5666% | 3,970 |
| Equity capital to assets | 8.3352% | 6,364 |
| Core capital (leverage) ratio | 8.0323% | 6,436 |
| Tier 1 risk-based capital ratio | 9.3445% | 7,471 |
| Total risk-based capital ratio | 10.6013% | 7,387 |
| Memoranda: | ||
| Average total assets | $194,464,000 | 3,206 |
| Average earning assets | $186,016,600 | 3,105 |
| Average equity | $16,281,000 | 3,868 |
| Average total loans | $176,846,600 | 2,536 |