Home > Cattaraugus County Bank > Performance and Condition Ratios
Cattaraugus County 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 | 5.2755% | 1,533 |
| Cost of funding earning assets | 1.0945% | 3,083 |
| Net interest margin | 4.1811% | 963 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.9885% | 1,143 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 0.9637% | 2,325 |
| Return on assets (ROA) | 0.9637% | 2,314 |
| Pretax return on assets | 1.1659% | 2,223 |
| Return on Equity (ROE) | 11.9800% | 1,962 |
| Retained earnings to average equity (ytd only) | 10.1782% | 969 |
| Net charge-offs to loans | 0.0752% | 1,111 |
| Credit loss provision to net charge-offs | 562.5000% | 620 |
| Earnings coverage of net charge-offs (x) | 30.6429% | 1,624 |
| Efficiency ratio | 67.6653% | 2,145 |
| Assets per employee ($millions) | 5.6036% | 3,157 |
| Cash dividends to net income (ytd only)* | 15.0547% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 1,040 |
| Loan loss allowance to noncurrent loans | 333.8374% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 1,814 |
| Noncurrent loans to loans | 0.4504% | 1,655 |
| Net loans and leases to total assets | 61.6300% | 2,706 |
| Net loans and leases to deposits | 71.1055% | 2,808 |
| Net loans and leases to core deposits | 85.5872% | 2,335 |
| Total domestic deposits to total assets | 86.6800% | 1,796 |
| Equity capital to assets | 8.2679% | 3,229 |
| Core capital (leverage) ratio | 10.4566% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8298% | 1,588 |
| Memoranda: | ||
| Average total assets | $360,483,600 | 2,157 |
| Average earning assets | $336,325,400 | 2,144 |
| Average equity | $28,993,400 | 2,315 |
| Average total loans | $223,405,400 | 2,137 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1124% | 1,609 |
| Cost of funding earning assets | 0.9484% | 3,159 |
| Net interest margin | 4.1640% | 972 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 3.0023% | 1,066 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1040% | 2,044 |
| Return on assets (ROA) | 1.1040% | 2,024 |
| Pretax return on assets | 1.3537% | 1,887 |
| Return on Equity (ROE) | 13.8300% | 1,698 |
| Retained earnings to average equity (ytd only) | 12.4990% | 885 |
| Net charge-offs to loans | 0.1397% | 586 |
| Credit loss provision to net charge-offs | 77.9221% | 1,766 |
| Earnings coverage of net charge-offs (x) | 16.4589% | 1,932 |
| Efficiency ratio | 67.8749% | 2,033 |
| Assets per employee ($millions) | 5.5295% | 3,157 |
| Cash dividends to net income (ytd only)* | 9.6141% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 2,376 |
| Loan loss allowance to noncurrent loans | 246.7153% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 1,830 |
| Noncurrent loans to loans | 0.4855% | 1,610 |
| Net loans and leases to total assets | 60.2100% | 2,821 |
| Net loans and leases to deposits | 68.4000% | 2,951 |
| Net loans and leases to core deposits | 79.8329% | 2,618 |
| Total domestic deposits to total assets | 88.0200% | 1,572 |
| Equity capital to assets | 7.8199% | 3,170 |
| Core capital (leverage) ratio | 10.7844% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7742% | 1,640 |
| Memoranda: | ||
| Average total assets | $356,745,000 | 2,176 |
| Average earning assets | $332,490,500 | 2,174 |
| Average equity | $28,481,500 | 2,326 |
| Average total loans | $220,527,500 | 2,153 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0701% | 1,418 |
| Cost of funding earning assets | 0.8738% | 3,015 |
| Net interest margin | 4.1963% | 938 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.9974% | 1,050 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.1869% | 1,864 |
| Return on assets (ROA) | 1.1869% | 1,858 |
| Pretax return on assets | 1.4470% | 1,708 |
| Return on Equity (ROE) | 14.7600% | 1,520 |
| Retained earnings to average equity (ytd only) | 13.7084% | 718 |
| Net charge-offs to loans | 0.2230% | 364 |
| Credit loss provision to net charge-offs | 43.0328% | 1,699 |
| Earnings coverage of net charge-offs (x) | 10.8730% | 1,983 |
| Efficiency ratio | 66.5490% | 2,171 |
| Assets per employee ($millions) | 5.2310% | 3,377 |
| Cash dividends to net income (ytd only)* | 7.1292% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 2,538 |
| Loan loss allowance to noncurrent loans | 227.8746% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 1,627 |
| Noncurrent loans to loans | 0.5184% | 1,425 |
| Net loans and leases to total assets | 61.5300% | 2,621 |
| Net loans and leases to deposits | 70.4494% | 2,750 |
| Net loans and leases to core deposits | 77.0027% | 2,687 |
| Total domestic deposits to total assets | 87.3300% | 1,822 |
| Equity capital to assets | 8.2382% | 3,063 |
| Core capital (leverage) ratio | 10.7179% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8995% | 1,600 |
| Memoranda: | ||
| Average total assets | $352,167,000 | 2,195 |
| Average earning assets | $328,001,667 | 2,198 |
| Average equity | $28,318,333 | 2,341 |
| Average total loans | $218,785,667 | 2,159 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 1,275 |
| Cost of funding earning assets | 0.7488% | 2,896 |
| Net interest margin | 4.2264% | 906 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 3.0308% | 1,012 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.0491% | 2,388 |
| Return on assets (ROA) | 1.0491% | 2,353 |
| Pretax return on assets | 1.3025% | 2,165 |
| Return on Equity (ROE) | 13.2100% | 1,942 |
| Retained earnings to average equity (ytd only) | 12.3484% | 1,206 |
| Net charge-offs to loans | -0.0331% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.6756% | 1,897 |
| Assets per employee ($millions) | 5.1224% | 3,555 |
| Cash dividends to net income (ytd only)* | 6.5288% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 2,063 |
| Loan loss allowance to noncurrent loans | 142.7926% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 917 |
| Noncurrent loans to loans | 0.9056% | 836 |
| Net loans and leases to total assets | 61.4000% | 2,521 |
| Net loans and leases to deposits | 72.0888% | 2,464 |
| Net loans and leases to core deposits | 75.9321% | 2,532 |
| Total domestic deposits to total assets | 85.1700% | 2,813 |
| Equity capital to assets | 8.1387% | 3,152 |
| Core capital (leverage) ratio | 10.6253% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8160% | 1,676 |
| Memoranda: | ||
| Average total assets | $350,397,000 | 2,233 |
| Average earning assets | $325,856,500 | 2,230 |
| Average equity | $27,825,500 | 2,397 |
| Average total loans | $217,443,500 | 2,188 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 1,580 |
| Cost of funding earning assets | 0.2320% | 3,496 |
| Net interest margin | 3.8208% | 1,117 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 3.1325% | 793 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 0.8402% | 3,187 |
| Return on assets (ROA) | 0.7906% | 3,291 |
| Pretax return on assets | 0.9567% | 3,203 |
| Return on Equity (ROE) | 9.1100% | 3,101 |
| Retained earnings to average equity (ytd only) | 7.8241% | 1,911 |
| Net charge-offs to loans | 0.1253% | 621 |
| Credit loss provision to net charge-offs | -101.2146% | 4,580 |
| Earnings coverage of net charge-offs (x) | 12.7611% | 2,096 |
| Efficiency ratio | 76.8847% | 931 |
| Assets per employee ($millions) | 5.5134% | 3,201 |
| Cash dividends to net income (ytd only)* | 14.1345% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 1,986 |
| Loan loss allowance to noncurrent loans | 61.0729% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.2987% | 275 |
| Noncurrent loans to loans | 2.0978% | 258 |
| Net loans and leases to total assets | 61.1100% | 2,539 |
| Net loans and leases to deposits | 70.9786% | 2,487 |
| Net loans and leases to core deposits | 74.7724% | 2,515 |
| Total domestic deposits to total assets | 86.1000% | 2,698 |
| Equity capital to assets | 7.7401% | 3,221 |
| Core capital (leverage) ratio | 10.5490% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8310% | 1,681 |
| Memoranda: | ||
| Average total assets | $334,684,200 | 2,280 |
| Average earning assets | $311,659,800 | 2,275 |
| Average equity | $29,038,400 | 2,376 |
| Average total loans | $197,106,200 | 2,247 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 1,662 |
| Cost of funding earning assets | 0.1252% | 4,080 |
| Net interest margin | 3.7046% | 1,123 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 3.1217% | 757 |
| Loan and lease loss provision to assets | -0.1000% | 4,581 |
| Net operating income to assets | 0.7944% | 3,283 |
| Return on assets (ROA) | 0.7279% | 3,433 |
| Pretax return on assets | 0.8723% | 3,411 |
| Return on Equity (ROE) | 8.1600% | 3,278 |
| Retained earnings to average equity (ytd only) | 7.5418% | 2,172 |
| Net charge-offs to loans | 0.1592% | 407 |
| Credit loss provision to net charge-offs | -108.6957% | 4,644 |
| Earnings coverage of net charge-offs (x) | 9.2087% | 2,029 |
| Efficiency ratio | 78.5628% | 868 |
| Assets per employee ($millions) | 5.4060% | 3,324 |
| Cash dividends to net income (ytd only)* | 7.5691% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 1,858 |
| Loan loss allowance to noncurrent loans | 60.7096% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.3407% | 276 |
| Noncurrent loans to loans | 2.2012% | 264 |
| Net loans and leases to total assets | 60.0900% | 2,495 |
| Net loans and leases to deposits | 68.3480% | 2,509 |
| Net loans and leases to core deposits | 69.3311% | 2,695 |
| Total domestic deposits to total assets | 87.9200% | 2,453 |
| Equity capital to assets | 7.7080% | 3,085 |
| Core capital (leverage) ratio | 10.7519% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0112% | 1,711 |
| Memoranda: | ||
| Average total assets | $331,518,750 | 2,311 |
| Average earning assets | $308,725,500 | 2,307 |
| Average equity | $29,576,750 | 2,389 |
| Average total loans | $192,625,250 | 2,286 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6150% | 1,792 |
| Cost of funding earning assets | 0.1085% | 4,097 |
| Net interest margin | 3.5066% | 1,298 |
| Noninterest income to average assets | 0.5193% | 2,089 |
| Noninterest expense to average assets | 3.0021% | 833 |
| Loan and lease loss provision to assets | -0.1522% | 4,651 |
| Net operating income to assets | 0.7778% | 3,038 |
| Return on assets (ROA) | 0.6722% | 3,358 |
| Pretax return on assets | 0.8091% | 3,300 |
| Return on Equity (ROE) | 7.1957% | 3,254 |
| Retained earnings to average equity (ytd only) | 6.6938% | 2,094 |
| Net charge-offs to loans | 0.0085% | 1,664 |
| Credit loss provision to net charge-offs | -3,125.0000% | 3,726 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 608 |
| Efficiency ratio | 79.2893% | 1,000 |
| Assets per employee ($millions) | 5.3459% | 3,389 |
| Cash dividends to net income (ytd only)* | 6.9746% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 1,242 |
| Loan loss allowance to noncurrent loans | 172.6644% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 1,064 |
| Noncurrent loans to loans | 0.9047% | 930 |
| Net loans and leases to total assets | 57.8598% | 2,547 |
| Net loans and leases to deposits | 64.9896% | 2,644 |
| Net loans and leases to core deposits | 65.3407% | 2,868 |
| Total domestic deposits to total assets | 89.0293% | 2,172 |
| Equity capital to assets | 8.5990% | 2,692 |
| Core capital (leverage) ratio | 10.6697% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6784% | 1,514 |
| Memoranda: | ||
| Average total assets | $328,498,000 | 2,332 |
| Average earning assets | $306,054,333 | 2,344 |
| Average equity | $30,685,000 | 2,385 |
| Average total loans | $187,688,333 | 2,323 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4096% | 2,060 |
| Cost of funding earning assets | 0.1106% | 4,000 |
| Net interest margin | 3.2990% | 1,564 |
| Noninterest income to average assets | 0.4780% | 2,256 |
| Noninterest expense to average assets | 2.8887% | 978 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5267% | 3,637 |
| Return on assets (ROA) | 0.3264% | 4,060 |
| Pretax return on assets | 0.4113% | 4,015 |
| Return on Equity (ROE) | 3.3618% | 4,020 |
| Retained earnings to average equity (ytd only) | 2.9119% | 3,297 |
| Net charge-offs to loans | 0.0043% | 1,609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 274.0000% | 343 |
| Efficiency ratio | 81.2905% | 1,042 |
| Assets per employee ($millions) | 5.3712% | 3,425 |
| Cash dividends to net income (ytd only)* | 13.3829% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7578% | 949 |
| Loan loss allowance to noncurrent loans | 185.2908% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.5353% | 1,123 |
| Noncurrent loans to loans | 0.9487% | 961 |
| Net loans and leases to total assets | 55.4372% | 2,586 |
| Net loans and leases to deposits | 62.0065% | 2,718 |
| Net loans and leases to core deposits | 62.3259% | 2,941 |
| Total domestic deposits to total assets | 89.4055% | 1,864 |
| Equity capital to assets | 9.2742% | 2,466 |
| Core capital (leverage) ratio | 10.4598% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2094% | 1,453 |
| Memoranda: | ||
| Average total assets | $329,698,500 | 2,342 |
| Average earning assets | $307,365,500 | 2,349 |
| Average equity | $32,007,000 | 2,384 |
| Average total loans | $185,696,000 | 2,332 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5001% | 2,660 |
| Cost of funding earning assets | 0.2822% | 2,578 |
| Net interest margin | 3.2179% | 2,564 |
| Noninterest income to average assets | 0.5767% | 2,253 |
| Noninterest expense to average assets | 3.0829% | 864 |
| Loan and lease loss provision to assets | -0.0565% | 4,388 |
| Net operating income to assets | 0.4288% | 4,224 |
| Return on assets (ROA) | 0.3497% | 4,374 |
| Pretax return on assets | 0.4430% | 4,340 |
| Return on Equity (ROE) | 4.2453% | 4,164 |
| Retained earnings to average equity (ytd only) | 3.3726% | 3,469 |
| Net charge-offs to loans | -0.0166% | 3,913 |
| Credit loss provision to net charge-offs | 562.5000% | 755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3676% | 453 |
| Assets per employee ($millions) | 5.2660% | 3,504 |
| Cash dividends to net income (ytd only)* | 20.5566% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7436% | 959 |
| Loan loss allowance to noncurrent loans | 170.4403% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 1,151 |
| Noncurrent loans to loans | 1.0230% | 962 |
| Net loans and leases to total assets | 55.2379% | 2,710 |
| Net loans and leases to deposits | 63.5944% | 2,722 |
| Net loans and leases to core deposits | 64.0678% | 2,976 |
| Total domestic deposits to total assets | 86.8596% | 2,569 |
| Equity capital to assets | 10.1364% | 2,532 |
| Core capital (leverage) ratio | 10.4396% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9485% | 1,531 |
| Memoranda: | ||
| Average total assets | $318,529,400 | 2,344 |
| Average earning assets | $296,246,000 | 2,347 |
| Average equity | $26,240,600 | 2,765 |
| Average total loans | $192,987,000 | 2,284 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5645% | 2,650 |
| Cost of funding earning assets | 0.3229% | 2,376 |
| Net interest margin | 3.2416% | 2,604 |
| Noninterest income to average assets | 0.5820% | 2,291 |
| Noninterest expense to average assets | 3.0991% | 822 |
| Loan and lease loss provision to assets | -0.0761% | 4,539 |
| Net operating income to assets | 0.4592% | 4,281 |
| Return on assets (ROA) | 0.4116% | 4,389 |
| Pretax return on assets | 0.5109% | 4,358 |
| Return on Equity (ROE) | 5.3182% | 4,057 |
| Retained earnings to average equity (ytd only) | 4.6513% | 3,356 |
| Net charge-offs to loans | -0.0240% | 4,044 |
| Credit loss provision to net charge-offs | 514.2857% | 748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2609% | 422 |
| Assets per employee ($millions) | 5.2256% | 3,472 |
| Cash dividends to net income (ytd only)* | 12.5385% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 1,059 |
| Loan loss allowance to noncurrent loans | 134.9502% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.7445% | 984 |
| Noncurrent loans to loans | 1.2777% | 855 |
| Net loans and leases to total assets | 57.2620% | 2,586 |
| Net loans and leases to deposits | 64.0410% | 2,847 |
| Net loans and leases to core deposits | 64.5846% | 3,081 |
| Total domestic deposits to total assets | 89.4145% | 1,061 |
| Equity capital to assets | 7.6089% | 4,676 |
| Core capital (leverage) ratio | 7.8548% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4458% | 2,876 |
| Memoranda: | ||
| Average total assets | $315,222,750 | 2,391 |
| Average earning assets | $292,769,750 | 2,389 |
| Average equity | $24,393,750 | 2,918 |
| Average total loans | $194,607,000 | 2,307 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5645% | 2,733 |
| Cost of funding earning assets | 0.3472% | 2,337 |
| Net interest margin | 3.2174% | 2,703 |
| Noninterest income to average assets | 0.5917% | 2,257 |
| Noninterest expense to average assets | 3.0688% | 883 |
| Loan and lease loss provision to assets | -0.1153% | 4,653 |
| Net operating income to assets | 0.5083% | 4,202 |
| Return on assets (ROA) | 0.4745% | 4,311 |
| Pretax return on assets | 0.5879% | 4,255 |
| Return on Equity (ROE) | 6.0968% | 3,884 |
| Retained earnings to average equity (ytd only) | 5.8006% | 2,889 |
| Net charge-offs to loans | -0.1140% | 4,663 |
| Credit loss provision to net charge-offs | 160.7143% | 1,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6479% | 493 |
| Assets per employee ($millions) | 5.2097% | 3,445 |
| Cash dividends to net income (ytd only)* | 4.8583% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6925% | 1,076 |
| Loan loss allowance to noncurrent loans | 135.1724% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.7632% | 1,075 |
| Noncurrent loans to loans | 1.2521% | 950 |
| Net loans and leases to total assets | 59.9179% | 2,437 |
| Net loans and leases to deposits | 67.1310% | 2,705 |
| Net loans and leases to core deposits | 67.9407% | 2,967 |
| Total domestic deposits to total assets | 89.2552% | 1,163 |
| Equity capital to assets | 7.6817% | 4,683 |
| Core capital (leverage) ratio | 7.7104% | 4,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2932% | 2,901 |
| Memoranda: | ||
| Average total assets | $312,300,333 | 2,400 |
| Average earning assets | $290,360,000 | 2,401 |
| Average equity | $24,307,667 | 2,918 |
| Average total loans | $196,550,000 | 2,299 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4184% | 3,142 |
| Cost of funding earning assets | 0.3644% | 2,408 |
| Net interest margin | 3.0540% | 3,120 |
| Noninterest income to average assets | 0.5604% | 2,370 |
| Noninterest expense to average assets | 2.9933% | 1,008 |
| Loan and lease loss provision to assets | -0.2346% | 4,832 |
| Net operating income to assets | 0.4920% | 4,188 |
| Return on assets (ROA) | 0.3870% | 4,413 |
| Pretax return on assets | 0.5082% | 4,336 |
| Return on Equity (ROE) | 4.9386% | 4,097 |
| Retained earnings to average equity (ytd only) | 4.3400% | 3,404 |
| Net charge-offs to loans | -0.0163% | 3,897 |
| Credit loss provision to net charge-offs | 2,250.0000% | 225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0414% | 442 |
| Assets per employee ($millions) | 5.0955% | 3,532 |
| Cash dividends to net income (ytd only)* | 12.1212% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 1,109 |
| Loan loss allowance to noncurrent loans | 20.5920% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 4.9620% | 39 |
| Noncurrent loans to loans | 8.1262% | 32 |
| Net loans and leases to total assets | 60.0401% | 2,541 |
| Net loans and leases to deposits | 67.0259% | 2,806 |
| Net loans and leases to core deposits | 68.0122% | 3,057 |
| Total domestic deposits to total assets | 89.5775% | 1,032 |
| Equity capital to assets | 7.5060% | 4,707 |
| Core capital (leverage) ratio | 7.9233% | 4,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6032% | 2,789 |
| Memoranda: | ||
| Average total assets | $306,949,500 | 2,408 |
| Average earning assets | $285,396,000 | 2,408 |
| Average equity | $24,055,500 | 2,925 |
| Average total loans | $196,391,000 | 2,307 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 2,108 |
| Cost of funding earning assets | 0.5043% | 2,923 |
| Net interest margin | 3.7054% | 1,779 |
| Noninterest income to average assets | 0.6270% | 2,113 |
| Noninterest expense to average assets | 3.1724% | 1,106 |
| Loan and lease loss provision to assets | 0.2032% | 1,931 |
| Net operating income to assets | 0.5586% | 3,877 |
| Return on assets (ROA) | 0.5950% | 3,880 |
| Pretax return on assets | 0.7353% | 3,801 |
| Return on Equity (ROE) | 7.0210% | 3,200 |
| Retained earnings to average equity (ytd only) | 6.0956% | 1,752 |
| Net charge-offs to loans | -0.1919% | 4,891 |
| Credit loss provision to net charge-offs | -144.1327% | 3,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0235% | 1,031 |
| Assets per employee ($millions) | 4.7298% | 3,691 |
| Cash dividends to net income (ytd only)* | 13.1802% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 830 |
| Loan loss allowance to noncurrent loans | 154.9765% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8121% | 1,259 |
| Noncurrent loans to loans | 1.1712% | 1,213 |
| Net loans and leases to total assets | 65.8594% | 2,113 |
| Net loans and leases to deposits | 74.5528% | 2,432 |
| Net loans and leases to core deposits | 75.7259% | 2,753 |
| Total domestic deposits to total assets | 88.3394% | 1,308 |
| Equity capital to assets | 8.1879% | 4,629 |
| Core capital (leverage) ratio | 8.1684% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6479% | 2,754 |
| Memoranda: | ||
| Average total assets | $277,990,600 | 2,411 |
| Average earning assets | $258,002,400 | 2,417 |
| Average equity | $23,558,000 | 2,901 |
| Average total loans | $204,239,200 | 2,203 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 2,377 |
| Cost of funding earning assets | 0.5319% | 3,038 |
| Net interest margin | 3.6773% | 2,019 |
| Noninterest income to average assets | 0.6022% | 2,168 |
| Noninterest expense to average assets | 3.3084% | 898 |
| Loan and lease loss provision to assets | 0.3004% | 1,342 |
| Net operating income to assets | 0.3261% | 4,399 |
| Return on assets (ROA) | 0.3756% | 4,374 |
| Pretax return on assets | 0.4650% | 4,352 |
| Return on Equity (ROE) | 4.3914% | 4,068 |
| Retained earnings to average equity (ytd only) | 3.7861% | 3,147 |
| Net charge-offs to loans | -0.0195% | 4,414 |
| Credit loss provision to net charge-offs | -2,050.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4489% | 709 |
| Assets per employee ($millions) | 4.8709% | 3,407 |
| Cash dividends to net income (ytd only)* | 13.7841% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 1,111 |
| Loan loss allowance to noncurrent loans | 164.3211% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 1,625 |
| Noncurrent loans to loans | 0.9725% | 1,536 |
| Net loans and leases to total assets | 69.8663% | 1,972 |
| Net loans and leases to deposits | 78.8475% | 2,445 |
| Net loans and leases to core deposits | 80.1014% | 2,834 |
| Total domestic deposits to total assets | 88.6094% | 936 |
| Equity capital to assets | 8.0975% | 4,681 |
| Core capital (leverage) ratio | 7.9895% | 4,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2797% | 2,844 |
| Memoranda: | ||
| Average total assets | $272,994,000 | 2,414 |
| Average earning assets | $253,185,500 | 2,425 |
| Average equity | $23,348,000 | 2,914 |
| Average total loans | $205,330,500 | 2,194 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 2,504 |
| Cost of funding earning assets | 0.5764% | 3,099 |
| Net interest margin | 3.7128% | 2,121 |
| Noninterest income to average assets | 0.5747% | 2,231 |
| Noninterest expense to average assets | 3.4092% | 840 |
| Loan and lease loss provision to assets | 0.2476% | 1,699 |
| Net operating income to assets | 0.2872% | 4,442 |
| Return on assets (ROA) | 0.3631% | 4,365 |
| Pretax return on assets | 0.4479% | 4,334 |
| Return on Equity (ROE) | 4.1648% | 4,059 |
| Retained earnings to average equity (ytd only) | 3.4162% | 3,216 |
| Net charge-offs to loans | 0.0850% | 1,402 |
| Credit loss provision to net charge-offs | 379.3103% | 1,447 |
| Earnings coverage of net charge-offs (x) | 9.2184% | 2,237 |
| Efficiency ratio | 84.9981% | 584 |
| Assets per employee ($millions) | 4.5469% | 3,727 |
| Cash dividends to net income (ytd only)* | 17.9752% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 1,644 |
| Loan loss allowance to noncurrent loans | 83.8079% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2041% | 909 |
| Noncurrent loans to loans | 1.6500% | 886 |
| Net loans and leases to total assets | 71.4112% | 1,815 |
| Net loans and leases to deposits | 80.5595% | 2,364 |
| Net loans and leases to core deposits | 81.8409% | 2,789 |
| Total domestic deposits to total assets | 88.6441% | 891 |
| Equity capital to assets | 8.0601% | 4,687 |
| Core capital (leverage) ratio | 8.2564% | 4,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0378% | 2,955 |
| Memoranda: | ||
| Average total assets | $266,575,000 | 2,434 |
| Average earning assets | $246,715,333 | 2,444 |
| Average equity | $23,242,333 | 2,915 |
| Average total loans | $204,607,000 | 2,181 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6755% | 1,792 |
| Cost of funding earning assets | 0.6609% | 3,110 |
| Net interest margin | 4.0146% | 1,350 |
| Noninterest income to average assets | 0.6007% | 2,044 |
| Noninterest expense to average assets | 3.6751% | 722 |
| Loan and lease loss provision to assets | 0.1179% | 2,217 |
| Net operating income to assets | 0.4152% | 4,099 |
| Return on assets (ROA) | 0.4152% | 4,139 |
| Pretax return on assets | 0.5142% | 4,099 |
| Return on Equity (ROE) | 4.5643% | 3,796 |
| Retained earnings to average equity (ytd only) | 3.3887% | 2,926 |
| Net charge-offs to loans | 0.0496% | 1,515 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 16.0800% | 1,538 |
| Efficiency ratio | 85.3231% | 749 |
| Assets per employee ($millions) | 4.0164% | 3,896 |
| Cash dividends to net income (ytd only)* | 25.7576% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 1,920 |
| Loan loss allowance to noncurrent loans | 124.3601% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.8617% | 1,549 |
| Noncurrent loans to loans | 1.0845% | 1,531 |
| Net loans and leases to total assets | 77.4309% | 1,062 |
| Net loans and leases to deposits | 86.7090% | 1,908 |
| Net loans and leases to core deposits | 88.6654% | 2,470 |
| Total domestic deposits to total assets | 89.2998% | 545 |
| Equity capital to assets | 9.1184% | 4,523 |
| Core capital (leverage) ratio | 8.8823% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5990% | 2,887 |
| Memoranda: | ||
| Average total assets | $254,361,500 | 2,471 |
| Average earning assets | $234,841,000 | 2,473 |
| Average equity | $23,136,000 | 2,913 |
| Average total loans | $201,549,500 | 2,172 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8837% | 1,801 |
| Cost of funding earning assets | 0.7058% | 3,136 |
| Net interest margin | 4.1779% | 1,359 |
| Noninterest income to average assets | 0.7023% | 1,814 |
| Noninterest expense to average assets | 3.5274% | 930 |
| Loan and lease loss provision to assets | 0.1395% | 1,528 |
| Net operating income to assets | 0.7322% | 3,757 |
| Return on assets (ROA) | 0.7322% | 3,829 |
| Pretax return on assets | 0.9044% | 3,732 |
| Return on Equity (ROE) | 8.3604% | 3,014 |
| Retained earnings to average equity (ytd only) | 6.9541% | 1,407 |
| Net charge-offs to loans | 0.3041% | 685 |
| Credit loss provision to net charge-offs | 58.5284% | 3,054 |
| Earnings coverage of net charge-offs (x) | 4.3796% | 3,220 |
| Efficiency ratio | 77.1645% | 1,245 |
| Assets per employee ($millions) | 3.8719% | 4,057 |
| Cash dividends to net income (ytd only)* | 16.8209% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 1,808 |
| Loan loss allowance to noncurrent loans | 260.8398% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4188% | 2,720 |
| Noncurrent loans to loans | 0.5086% | 2,666 |
| Net loans and leases to total assets | 78.9400% | 945 |
| Net loans and leases to deposits | 88.8157% | 1,732 |
| Net loans and leases to core deposits | 90.7157% | 2,356 |
| Total domestic deposits to total assets | 88.8808% | 715 |
| Equity capital to assets | 9.0725% | 4,645 |
| Core capital (leverage) ratio | 9.0284% | 4,513 |
| Tier 1 risk-based capital ratio | 11.2931% | 4,738 |
| Total risk-based capital ratio | 12.5440% | 4,625 |
| Memoranda: | ||
| Average total assets | $250,891,200 | 2,455 |
| Average earning assets | $232,344,000 | 2,458 |
| Average equity | $21,972,600 | 2,962 |
| Average total loans | $196,630,800 | 2,191 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9072% | 1,799 |
| Cost of funding earning assets | 0.7082% | 3,169 |
| Net interest margin | 4.1989% | 1,382 |
| Noninterest income to average assets | 0.6978% | 1,798 |
| Noninterest expense to average assets | 3.4522% | 1,006 |
| Loan and lease loss provision to assets | 0.1702% | 1,084 |
| Net operating income to assets | 0.7797% | 3,742 |
| Return on assets (ROA) | 0.7797% | 3,809 |
| Pretax return on assets | 0.9632% | 3,703 |
| Return on Equity (ROE) | 8.9837% | 2,896 |
| Retained earnings to average equity (ytd only) | 7.7213% | 1,529 |
| Net charge-offs to loans | 0.4079% | 409 |
| Credit loss provision to net charge-offs | 53.5117% | 2,760 |
| Earnings coverage of net charge-offs (x) | 3.5636% | 3,088 |
| Efficiency ratio | 75.2842% | 1,420 |
| Assets per employee ($millions) | 3.8084% | 4,154 |
| Cash dividends to net income (ytd only)* | 14.0518% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 1,875 |
| Loan loss allowance to noncurrent loans | 280.3609% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 2,968 |
| Noncurrent loans to loans | 0.4717% | 2,886 |
| Net loans and leases to total assets | 78.3964% | 1,075 |
| Net loans and leases to deposits | 87.7918% | 1,960 |
| Net loans and leases to core deposits | 91.3442% | 2,430 |
| Total domestic deposits to total assets | 89.2980% | 520 |
| Equity capital to assets | 8.9853% | 4,786 |
| Core capital (leverage) ratio | 8.8547% | 4,744 |
| Tier 1 risk-based capital ratio | 11.4180% | 4,713 |
| Total risk-based capital ratio | 12.6687% | 4,608 |
| Memoranda: | ||
| Average total assets | $250,696,000 | 2,476 |
| Average earning assets | $232,116,500 | 2,478 |
| Average equity | $21,757,500 | 3,000 |
| Average total loans | $195,453,250 | 2,219 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8957% | 1,765 |
| Cost of funding earning assets | 0.7006% | 3,165 |
| Net interest margin | 4.1951% | 1,378 |
| Noninterest income to average assets | 0.6971% | 1,728 |
| Noninterest expense to average assets | 3.4191% | 1,069 |
| Loan and lease loss provision to assets | 0.1597% | 1,137 |
| Net operating income to assets | 0.8129% | 3,606 |
| Return on assets (ROA) | 0.8129% | 3,666 |
| Pretax return on assets | 1.0053% | 3,524 |
| Return on Equity (ROE) | 9.4778% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.2303% | 1,304 |
| Net charge-offs to loans | 0.5185% | 302 |
| Credit loss provision to net charge-offs | 39.7614% | 2,536 |
| Earnings coverage of net charge-offs (x) | 2.9006% | 2,895 |
| Efficiency ratio | 74.5863% | 1,573 |
| Assets per employee ($millions) | 3.8872% | 4,017 |
| Cash dividends to net income (ytd only)* | 13.1631% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 1,842 |
| Loan loss allowance to noncurrent loans | 269.9690% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 2,968 |
| Noncurrent loans to loans | 0.4972% | 2,791 |
| Net loans and leases to total assets | 76.0912% | 1,535 |
| Net loans and leases to deposits | 84.9891% | 2,368 |
| Net loans and leases to core deposits | 89.9365% | 2,608 |
| Total domestic deposits to total assets | 89.5306% | 469 |
| Equity capital to assets | 8.7569% | 4,920 |
| Core capital (leverage) ratio | 8.7522% | 4,806 |
| Tier 1 risk-based capital ratio | 11.5195% | 4,674 |
| Total risk-based capital ratio | 12.7710% | 4,569 |
| Memoranda: | ||
| Average total assets | $250,476,000 | 2,488 |
| Average earning assets | $232,080,330 | 2,484 |
| Average equity | $21,481,670 | 3,021 |
| Average total loans | $194,039,330 | 2,235 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8734% | 1,680 |
| Cost of funding earning assets | 0.6875% | 3,115 |
| Net interest margin | 4.1858% | 1,329 |
| Noninterest income to average assets | 0.6560% | 1,799 |
| Noninterest expense to average assets | 3.3251% | 1,239 |
| Loan and lease loss provision to assets | 0.0962% | 1,820 |
| Net operating income to assets | 0.8998% | 3,236 |
| Return on assets (ROA) | 0.8998% | 3,289 |
| Pretax return on assets | 1.1116% | 3,112 |
| Return on Equity (ROE) | 10.6052% | 2,118 |
| Retained earnings to average equity (ytd only) | 9.3575% | 1,205 |
| Net charge-offs to loans | 1.0329% | 133 |
| Credit loss provision to net charge-offs | 12.0000% | 2,172 |
| Earnings coverage of net charge-offs (x) | 1.5060% | 2,587 |
| Efficiency ratio | 73.3546% | 1,833 |
| Assets per employee ($millions) | 4.0018% | 3,920 |
| Cash dividends to net income (ytd only)* | 11.7647% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,223 |
| Loan loss allowance to noncurrent loans | 246.4215% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 2,988 |
| Noncurrent loans to loans | 0.5160% | 2,764 |
| Net loans and leases to total assets | 76.3522% | 1,420 |
| Net loans and leases to deposits | 84.8191% | 2,281 |
| Net loans and leases to core deposits | 89.7124% | 2,532 |
| Total domestic deposits to total assets | 90.0177% | 439 |
| Equity capital to assets | 8.5365% | 4,964 |
| Core capital (leverage) ratio | 8.6719% | 4,894 |
| Tier 1 risk-based capital ratio | 11.0956% | 4,930 |
| Total risk-based capital ratio | 12.3459% | 4,842 |
| Memoranda: | ||
| Average total assets | $249,379,500 | 2,522 |
| Average earning assets | $230,969,000 | 2,518 |
| Average equity | $21,159,500 | 3,060 |
| Average total loans | $193,621,500 | 2,262 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8136% | 1,512 |
| Cost of funding earning assets | 0.5117% | 3,275 |
| Net interest margin | 4.3019% | 1,152 |
| Noninterest income to average assets | 0.7644% | 1,585 |
| Noninterest expense to average assets | 3.5457% | 937 |
| Loan and lease loss provision to assets | 0.0946% | 2,261 |
| Net operating income to assets | 0.8077% | 3,774 |
| Return on assets (ROA) | 0.8077% | 3,778 |
| Pretax return on assets | 1.0297% | 3,514 |
| Return on Equity (ROE) | 9.1063% | 2,944 |
| Retained earnings to average equity (ytd only) | 7.7316% | 1,360 |
| Net charge-offs to loans | 0.0446% | 2,535 |
| Credit loss provision to net charge-offs | 267.8571% | 1,119 |
| Earnings coverage of net charge-offs (x) | 31.8333% | 1,532 |
| Efficiency ratio | 75.9251% | 1,382 |
| Assets per employee ($millions) | 3.9331% | 3,991 |
| Cash dividends to net income (ytd only)* | 15.0963% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 1,235 |
| Loan loss allowance to noncurrent loans | 241.4392% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 2,620 |
| Noncurrent loans to loans | 0.6288% | 2,407 |
| Net loans and leases to total assets | 76.4170% | 1,534 |
| Net loans and leases to deposits | 85.5799% | 2,333 |
| Net loans and leases to core deposits | 90.3072% | 2,550 |
| Total domestic deposits to total assets | 89.2931% | 738 |
| Equity capital to assets | 8.6523% | 4,844 |
| Core capital (leverage) ratio | 8.4387% | 5,055 |
| Tier 1 risk-based capital ratio | 10.5730% | 5,155 |
| Total risk-based capital ratio | 11.8263% | 5,047 |
| Memoranda: | ||
| Average total assets | $237,840,000 | 2,559 |
| Average earning assets | $215,929,400 | 2,592 |
| Average equity | $21,095,200 | 2,980 |
| Average total loans | $188,142,400 | 2,266 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7898% | 1,454 |
| Cost of funding earning assets | 0.4623% | 3,445 |
| Net interest margin | 4.3275% | 1,053 |
| Noninterest income to average assets | 0.7823% | 1,530 |
| Noninterest expense to average assets | 3.5832% | 879 |
| Loan and lease loss provision to assets | 0.1275% | 1,577 |
| Net operating income to assets | 0.7727% | 3,999 |
| Return on assets (ROA) | 0.7727% | 4,007 |
| Pretax return on assets | 0.9857% | 3,764 |
| Return on Equity (ROE) | 8.6563% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.4632% | 1,897 |
| Net charge-offs to loans | 0.0157% | 2,868 |
| Credit loss provision to net charge-offs | 1,022.7273% | 412 |
| Earnings coverage of net charge-offs (x) | 89.3259% | 823 |
| Efficiency ratio | 76.2967% | 1,319 |
| Assets per employee ($millions) | 3.7968% | 4,172 |
| Cash dividends to net income (ytd only)* | 13.7830% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 1,141 |
| Loan loss allowance to noncurrent loans | 318.4829% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 3,096 |
| Noncurrent loans to loans | 0.4938% | 2,911 |
| Net loans and leases to total assets | 79.2554% | 1,124 |
| Net loans and leases to deposits | 88.9355% | 2,029 |
| Net loans and leases to core deposits | 91.8946% | 2,491 |
| Total domestic deposits to total assets | 89.1156% | 809 |
| Equity capital to assets | 9.0875% | 4,470 |
| Core capital (leverage) ratio | 8.6650% | 4,987 |
| Tier 1 risk-based capital ratio | 10.7176% | 5,163 |
| Total risk-based capital ratio | 11.9714% | 5,064 |
| Memoranda: | ||
| Average total assets | $235,354,000 | 2,583 |
| Average earning assets | $212,866,000 | 2,630 |
| Average equity | $21,009,250 | 3,005 |
| Average total loans | $187,111,000 | 2,284 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 1,481 |
| Cost of funding earning assets | 0.4226% | 3,553 |
| Net interest margin | 4.2864% | 1,062 |
| Noninterest income to average assets | 0.7938% | 1,491 |
| Noninterest expense to average assets | 3.5795% | 888 |
| Loan and lease loss provision to assets | 0.1275% | 1,557 |
| Net operating income to assets | 0.7479% | 4,040 |
| Return on assets (ROA) | 0.7479% | 4,041 |
| Pretax return on assets | 0.9484% | 3,813 |
| Return on Equity (ROE) | 8.4284% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.2791% | 1,936 |
| Net charge-offs to loans | 0.0279% | 2,297 |
| Credit loss provision to net charge-offs | 576.9231% | 643 |
| Earnings coverage of net charge-offs (x) | 48.6923% | 1,144 |
| Efficiency ratio | 76.8894% | 1,329 |
| Assets per employee ($millions) | 3.6824% | 4,373 |
| Cash dividends to net income (ytd only)* | 13.6364% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,286 |
| Loan loss allowance to noncurrent loans | 302.6069% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 3,103 |
| Noncurrent loans to loans | 0.5069% | 2,898 |
| Net loans and leases to total assets | 79.0398% | 1,158 |
| Net loans and leases to deposits | 89.3423% | 1,930 |
| Net loans and leases to core deposits | 89.4539% | 2,613 |
| Total domestic deposits to total assets | 88.4684% | 1,158 |
| Equity capital to assets | 8.9589% | 4,592 |
| Core capital (leverage) ratio | 8.4537% | 5,140 |
| Tier 1 risk-based capital ratio | 10.6595% | 5,207 |
| Total risk-based capital ratio | 11.9127% | 5,103 |
| Memoranda: | ||
| Average total assets | $235,338,330 | 2,598 |
| Average earning assets | $212,020,000 | 2,648 |
| Average equity | $20,881,670 | 3,037 |
| Average total loans | $186,298,330 | 2,298 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5801% | 1,631 |
| Cost of funding earning assets | 0.3858% | 3,690 |
| Net interest margin | 4.1943% | 1,189 |
| Noninterest income to average assets | 0.7382% | 1,666 |
| Noninterest expense to average assets | 3.4766% | 1,041 |
| Loan and lease loss provision to assets | 0.1276% | 1,477 |
| Net operating income to assets | 0.7552% | 3,892 |
| Return on assets (ROA) | 0.7552% | 3,892 |
| Pretax return on assets | 0.8879% | 3,884 |
| Return on Equity (ROE) | 8.5526% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.4161% | 2,092 |
| Net charge-offs to loans | -0.0065% | 4,096 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3949% | 1,412 |
| Assets per employee ($millions) | 3.7695% | 4,330 |
| Cash dividends to net income (ytd only)* | 13.2883% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 1,392 |
| Loan loss allowance to noncurrent loans | 103.4408% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.1660% | 1,314 |
| Noncurrent loans to loans | 1.4698% | 1,208 |
| Net loans and leases to total assets | 77.9002% | 1,258 |
| Net loans and leases to deposits | 87.8214% | 1,950 |
| Net loans and leases to core deposits | 88.0979% | 2,623 |
| Total domestic deposits to total assets | 88.7029% | 1,254 |
| Equity capital to assets | 8.7596% | 4,777 |
| Core capital (leverage) ratio | 8.4108% | 5,198 |
| Tier 1 risk-based capital ratio | 10.5753% | 5,327 |
| Total risk-based capital ratio | 11.8284% | 5,229 |
| Memoranda: | ||
| Average total assets | $235,170,000 | 2,626 |
| Average earning assets | $210,476,000 | 2,688 |
| Average equity | $20,765,500 | 3,074 |
| Average total loans | $184,858,000 | 2,321 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 1,280 |
| Cost of funding earning assets | 0.4114% | 3,145 |
| Net interest margin | 4.2506% | 1,079 |
| Noninterest income to average assets | 0.7633% | 1,719 |
| Noninterest expense to average assets | 3.4366% | 1,142 |
| Loan and lease loss provision to assets | 0.1315% | 1,745 |
| Net operating income to assets | 0.7457% | 3,408 |
| Return on assets (ROA) | 0.7457% | 3,446 |
| Pretax return on assets | 0.9504% | 3,733 |
| Return on Equity (ROE) | 8.4748% | 2,562 |
| Retained earnings to average equity (ytd only) | 7.1197% | 1,035 |
| Net charge-offs to loans | 0.0511% | 2,773 |
| Credit loss provision to net charge-offs | 329.6703% | 873 |
| Earnings coverage of net charge-offs (x) | 27.1209% | 1,648 |
| Efficiency ratio | 76.0551% | 1,611 |
| Assets per employee ($millions) | 3.8174% | 4,258 |
| Cash dividends to net income (ytd only)* | 15.9906% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 1,318 |
| Loan loss allowance to noncurrent loans | 81.2518% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.4717% | 940 |
| Noncurrent loans to loans | 1.8800% | 836 |
| Net loans and leases to total assets | 76.9066% | 1,444 |
| Net loans and leases to deposits | 86.3494% | 2,216 |
| Net loans and leases to core deposits | 86.6251% | 2,867 |
| Total domestic deposits to total assets | 89.0644% | 975 |
| Equity capital to assets | 8.9018% | 4,814 |
| Core capital (leverage) ratio | 8.5874% | 5,056 |
| Tier 1 risk-based capital ratio | 10.9422% | 5,184 |
| Total risk-based capital ratio | 12.1959% | 5,058 |
| Memoranda: | ||
| Average total assets | $228,102,600 | 2,651 |
| Average earning assets | $201,524,600 | 2,753 |
| Average equity | $20,071,200 | 3,135 |
| Average total loans | $178,132,000 | 2,352 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6466% | 1,252 |
| Cost of funding earning assets | 0.4032% | 3,160 |
| Net interest margin | 4.2434% | 1,064 |
| Noninterest income to average assets | 0.7550% | 1,758 |
| Noninterest expense to average assets | 3.4045% | 1,148 |
| Loan and lease loss provision to assets | 0.1322% | 1,646 |
| Net operating income to assets | 0.7674% | 3,659 |
| Return on assets (ROA) | 0.7674% | 3,713 |
| Pretax return on assets | 0.9783% | 3,771 |
| Return on Equity (ROE) | 8.7472% | 2,744 |
| Retained earnings to average equity (ytd only) | 7.6019% | 1,387 |
| Net charge-offs to loans | -0.0158% | 4,767 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4034% | 1,677 |
| Assets per employee ($millions) | 3.6651% | 4,494 |
| Cash dividends to net income (ytd only)* | 13.0932% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 1,368 |
| Loan loss allowance to noncurrent loans | 80.7747% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.5240% | 993 |
| Noncurrent loans to loans | 1.9198% | 900 |
| Net loans and leases to total assets | 77.3970% | 1,367 |
| Net loans and leases to deposits | 86.6037% | 2,228 |
| Net loans and leases to core deposits | 86.8808% | 2,881 |
| Total domestic deposits to total assets | 89.3691% | 716 |
| Equity capital to assets | 8.8899% | 5,004 |
| Core capital (leverage) ratio | 8.4856% | 5,259 |
| Tier 1 risk-based capital ratio | 10.6916% | 5,376 |
| Total risk-based capital ratio | 11.9454% | 5,303 |
| Memoranda: | ||
| Average total assets | $226,912,500 | 2,686 |
| Average earning assets | $201,061,000 | 2,785 |
| Average equity | $19,906,750 | 3,177 |
| Average total loans | $177,198,750 | 2,369 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 1,207 |
| Cost of funding earning assets | 0.3979% | 3,098 |
| Net interest margin | 4.2258% | 1,019 |
| Noninterest income to average assets | 0.7687% | 1,692 |
| Noninterest expense to average assets | 3.4285% | 1,115 |
| Loan and lease loss provision to assets | 0.1330% | 1,563 |
| Net operating income to assets | 0.7501% | 3,638 |
| Return on assets (ROA) | 0.7501% | 3,693 |
| Pretax return on assets | 0.9549% | 3,748 |
| Return on Equity (ROE) | 8.5888% | 2,728 |
| Retained earnings to average equity (ytd only) | 7.5025% | 1,351 |
| Net charge-offs to loans | -0.0228% | 4,823 |
| Credit loss provision to net charge-offs | -750.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9128% | 1,733 |
| Assets per employee ($millions) | 3.6174% | 4,549 |
| Cash dividends to net income (ytd only)* | 12.6478% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5461% | 1,410 |
| Loan loss allowance to noncurrent loans | 96.7845% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.2721% | 1,308 |
| Noncurrent loans to loans | 1.5975% | 1,161 |
| Net loans and leases to total assets | 76.5304% | 1,459 |
| Net loans and leases to deposits | 85.5670% | 2,279 |
| Net loans and leases to core deposits | 85.8432% | 2,895 |
| Total domestic deposits to total assets | 89.4392% | 746 |
| Equity capital to assets | 8.8315% | 5,045 |
| Core capital (leverage) ratio | 8.3716% | 5,306 |
| Tier 1 risk-based capital ratio | 10.8420% | 5,328 |
| Total risk-based capital ratio | 12.0959% | 5,250 |
| Memoranda: | ||
| Average total assets | $225,582,330 | 2,717 |
| Average earning assets | $200,057,000 | 2,807 |
| Average equity | $19,700,000 | 3,190 |
| Average total loans | $175,756,000 | 2,387 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 1,078 |
| Cost of funding earning assets | 0.3907% | 3,095 |
| Net interest margin | 4.2353% | 916 |
| Noninterest income to average assets | 0.7593% | 1,712 |
| Noninterest expense to average assets | 3.4631% | 1,095 |
| Loan and lease loss provision to assets | 0.1337% | 1,431 |
| Net operating income to assets | 0.7290% | 3,565 |
| Return on assets (ROA) | 0.7290% | 3,615 |
| Pretax return on assets | 0.9304% | 3,656 |
| Return on Equity (ROE) | 8.3956% | 2,722 |
| Retained earnings to average equity (ytd only) | 7.2050% | 1,778 |
| Net charge-offs to loans | -0.0526% | 5,207 |
| Credit loss provision to net charge-offs | -326.0870% | 4,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4961% | 1,835 |
| Assets per employee ($millions) | 3.6289% | 4,602 |
| Cash dividends to net income (ytd only)* | 14.1809% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 1,648 |
| Loan loss allowance to noncurrent loans | 326.4382% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 3,710 |
| Noncurrent loans to loans | 0.4638% | 3,428 |
| Net loans and leases to total assets | 75.8802% | 1,433 |
| Net loans and leases to deposits | 84.3707% | 2,243 |
| Net loans and leases to core deposits | 84.6403% | 2,840 |
| Total domestic deposits to total assets | 89.9366% | 689 |
| Equity capital to assets | 8.6059% | 5,148 |
| Core capital (leverage) ratio | 8.2700% | 5,398 |
| Tier 1 risk-based capital ratio | 10.6917% | 5,462 |
| Total risk-based capital ratio | 11.9454% | 5,378 |
| Memoranda: | ||
| Average total assets | $224,424,000 | 2,754 |
| Average earning assets | $199,656,000 | 2,832 |
| Average equity | $19,486,500 | 3,225 |
| Average total loans | $175,058,500 | 2,406 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5093% | 1,506 |
| Cost of funding earning assets | 0.3868% | 3,138 |
| Net interest margin | 4.1226% | 1,325 |
| Noninterest income to average assets | 0.8383% | 1,624 |
| Noninterest expense to average assets | 3.4532% | 1,248 |
| Loan and lease loss provision to assets | 0.1578% | 1,578 |
| Net operating income to assets | 0.6832% | 3,857 |
| Return on assets (ROA) | 0.6828% | 3,976 |
| Pretax return on assets | 0.8834% | 3,898 |
| Return on Equity (ROE) | 7.7746% | 3,070 |
| Retained earnings to average equity (ytd only) | 6.3899% | 1,503 |
| Net charge-offs to loans | -0.0856% | 5,540 |
| Credit loss provision to net charge-offs | -241.1348% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8254% | 1,874 |
| Assets per employee ($millions) | 3.5520% | 4,675 |
| Cash dividends to net income (ytd only)* | 17.8110% | 3,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 1,769 |
| Loan loss allowance to noncurrent loans | 337.1391% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 3,830 |
| Noncurrent loans to loans | 0.4380% | 3,575 |
| Net loans and leases to total assets | 77.8301% | 1,217 |
| Net loans and leases to deposits | 88.7276% | 1,839 |
| Net loans and leases to core deposits | 88.9130% | 2,594 |
| Total domestic deposits to total assets | 87.7181% | 1,782 |
| Equity capital to assets | 8.7628% | 5,053 |
| Core capital (leverage) ratio | 8.4214% | 5,347 |
| Tier 1 risk-based capital ratio | 10.7627% | 5,459 |
| Total risk-based capital ratio | 12.0159% | 5,352 |
| Memoranda: | ||
| Average total assets | $215,426,400 | 2,801 |
| Average earning assets | $191,070,200 | 2,885 |
| Average equity | $18,920,600 | 3,279 |
| Average total loans | $164,652,800 | 2,469 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4790% | 1,611 |
| Cost of funding earning assets | 0.3798% | 3,231 |
| Net interest margin | 4.0993% | 1,387 |
| Noninterest income to average assets | 0.8303% | 1,648 |
| Noninterest expense to average assets | 3.4299% | 1,286 |
| Loan and lease loss provision to assets | 0.1494% | 1,571 |
| Net operating income to assets | 0.6633% | 4,026 |
| Return on assets (ROA) | 0.6628% | 4,147 |
| Pretax return on assets | 0.8782% | 4,055 |
| Return on Equity (ROE) | 7.5424% | 3,272 |
| Retained earnings to average equity (ytd only) | 6.3669% | 1,979 |
| Net charge-offs to loans | -0.1216% | 5,641 |
| Credit loss provision to net charge-offs | -162.1622% | 4,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9370% | 1,843 |
| Assets per employee ($millions) | 3.5161% | 4,755 |
| Cash dividends to net income (ytd only)* | 15.5871% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 2,058 |
| Loan loss allowance to noncurrent loans | 600.9709% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 4,595 |
| Noncurrent loans to loans | 0.2382% | 4,416 |
| Net loans and leases to total assets | 76.9561% | 1,372 |
| Net loans and leases to deposits | 86.3229% | 2,230 |
| Net loans and leases to core deposits | 86.4990% | 2,906 |
| Total domestic deposits to total assets | 89.1491% | 824 |
| Equity capital to assets | 8.7259% | 5,380 |
| Core capital (leverage) ratio | 8.3518% | 5,466 |
| Tier 1 risk-based capital ratio | 10.5844% | 5,579 |
| Total risk-based capital ratio | 11.8369% | 5,497 |
| Memoranda: | ||
| Average total assets | $214,226,250 | 2,821 |
| Average earning assets | $189,590,000 | 2,914 |
| Average equity | $18,826,250 | 3,317 |
| Average total loans | $162,323,000 | 2,497 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 1,611 |
| Cost of funding earning assets | 0.3775% | 3,276 |
| Net interest margin | 4.0922% | 1,388 |
| Noninterest income to average assets | 0.8253% | 1,626 |
| Noninterest expense to average assets | 3.4089% | 1,352 |
| Loan and lease loss provision to assets | 0.1558% | 1,463 |
| Net operating income to assets | 0.6789% | 3,903 |
| Return on assets (ROA) | 0.6789% | 4,043 |
| Pretax return on assets | 0.8744% | 4,044 |
| Return on Equity (ROE) | 7.7069% | 3,140 |
| Retained earnings to average equity (ytd only) | 6.5921% | 1,818 |
| Net charge-offs to loans | 0.0630% | 2,294 |
| Credit loss provision to net charge-offs | 330.0000% | 899 |
| Earnings coverage of net charge-offs (x) | 21.8200% | 1,656 |
| Efficiency ratio | 76.7922% | 1,963 |
| Assets per employee ($millions) | 3.4237% | 4,878 |
| Cash dividends to net income (ytd only)* | 14.4645% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 2,574 |
| Loan loss allowance to noncurrent loans | 359.3801% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 4,265 |
| Noncurrent loans to loans | 0.3726% | 4,031 |
| Net loans and leases to total assets | 75.2489% | 1,603 |
| Net loans and leases to deposits | 84.2250% | 2,437 |
| Net loans and leases to core deposits | 84.4007% | 3,044 |
| Total domestic deposits to total assets | 89.3426% | 742 |
| Equity capital to assets | 8.8604% | 5,345 |
| Core capital (leverage) ratio | 8.3676% | 5,474 |
| Tier 1 risk-based capital ratio | 11.1384% | 5,337 |
| Total risk-based capital ratio | 12.3898% | 5,260 |
| Memoranda: | ||
| Average total assets | $211,797,670 | 2,869 |
| Average earning assets | $187,037,330 | 2,963 |
| Average equity | $18,658,670 | 3,346 |
| Average total loans | $158,783,000 | 2,547 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4807% | 1,565 |
| Cost of funding earning assets | 0.3737% | 3,356 |
| Net interest margin | 4.1069% | 1,321 |
| Noninterest income to average assets | 0.8558% | 1,430 |
| Noninterest expense to average assets | 3.4272% | 1,328 |
| Loan and lease loss provision to assets | 0.1716% | 1,197 |
| Net operating income to assets | 0.6328% | 4,047 |
| Return on assets (ROA) | 0.6328% | 4,164 |
| Pretax return on assets | 0.8806% | 3,925 |
| Return on Equity (ROE) | 7.2047% | 3,341 |
| Retained earnings to average equity (ytd only) | 5.9894% | 2,377 |
| Net charge-offs to loans | 0.0795% | 1,692 |
| Credit loss provision to net charge-offs | 290.3226% | 872 |
| Earnings coverage of net charge-offs (x) | 17.8065% | 1,556 |
| Efficiency ratio | 76.5106% | 2,104 |
| Assets per employee ($millions) | 3.4790% | 4,849 |
| Cash dividends to net income (ytd only)* | 16.8675% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 2,641 |
| Loan loss allowance to noncurrent loans | 462.7155% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 4,585 |
| Noncurrent loans to loans | 0.2923% | 4,383 |
| Net loans and leases to total assets | 73.7782% | 1,759 |
| Net loans and leases to deposits | 82.3404% | 2,501 |
| Net loans and leases to core deposits | 82.5140% | 3,085 |
| Total domestic deposits to total assets | 89.6014% | 787 |
| Equity capital to assets | 8.8069% | 5,334 |
| Core capital (leverage) ratio | 8.2475% | 5,612 |
| Tier 1 risk-based capital ratio | 11.2398% | 5,376 |
| Total risk-based capital ratio | 12.4914% | 5,279 |
| Memoranda: | ||
| Average total assets | $209,851,000 | 2,895 |
| Average earning assets | $185,151,000 | 2,995 |
| Average equity | $18,432,500 | 3,378 |
| Average total loans | $155,920,500 | 2,570 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 1,710 |
| Cost of funding earning assets | 0.3733% | 3,445 |
| Net interest margin | 4.0897% | 1,436 |
| Noninterest income to average assets | 0.8936% | 1,459 |
| Noninterest expense to average assets | 3.5517% | 1,213 |
| Loan and lease loss provision to assets | 0.1792% | 1,262 |
| Net operating income to assets | 0.5437% | 4,525 |
| Return on assets (ROA) | 0.5437% | 4,621 |
| Pretax return on assets | 0.7139% | 4,489 |
| Return on Equity (ROE) | 6.1538% | 3,969 |
| Retained earnings to average equity (ytd only) | 4.7901% | 2,584 |
| Net charge-offs to loans | 0.0072% | 4,192 |
| Credit loss provision to net charge-offs | 3,600.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 179.4000% | 367 |
| Efficiency ratio | 79.9059% | 1,688 |
| Assets per employee ($millions) | 3.4013% | 4,976 |
| Cash dividends to net income (ytd only)* | 22.1612% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 2,592 |
| Loan loss allowance to noncurrent loans | 357.5342% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 4,434 |
| Noncurrent loans to loans | 0.3814% | 4,082 |
| Net loans and leases to total assets | 72.7938% | 1,922 |
| Net loans and leases to deposits | 82.7783% | 2,503 |
| Net loans and leases to core deposits | 82.7783% | 3,069 |
| Total domestic deposits to total assets | 87.9382% | 1,662 |
| Equity capital to assets | 8.7598% | 5,340 |
| Core capital (leverage) ratio | 8.6922% | 5,228 |
| Tier 1 risk-based capital ratio | 11.6619% | 5,156 |
| Total risk-based capital ratio | 12.9134% | 5,066 |
| Memoranda: | ||
| Average total assets | $200,863,400 | 2,940 |
| Average earning assets | $174,413,000 | 3,060 |
| Average equity | $17,745,000 | 3,415 |
| Average total loans | $138,809,800 | 2,738 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4659% | 1,709 |
| Cost of funding earning assets | 0.3760% | 3,479 |
| Net interest margin | 4.0898% | 1,435 |
| Noninterest income to average assets | 0.8828% | 1,504 |
| Noninterest expense to average assets | 3.5587% | 1,180 |
| Loan and lease loss provision to assets | 0.1807% | 1,152 |
| Net operating income to assets | 0.5047% | 4,769 |
| Return on assets (ROA) | 0.5047% | 4,859 |
| Pretax return on assets | 0.6813% | 4,745 |
| Return on Equity (ROE) | 5.6998% | 4,301 |
| Retained earnings to average equity (ytd only) | 4.4601% | 3,287 |
| Net charge-offs to loans | 0.0207% | 3,525 |
| Credit loss provision to net charge-offs | 1,285.7143% | 285 |
| Earnings coverage of net charge-offs (x) | 61.3318% | 907 |
| Efficiency ratio | 80.4996% | 1,582 |
| Assets per employee ($millions) | 3.2701% | 5,171 |
| Cash dividends to net income (ytd only)* | 21.7505% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 2,708 |
| Loan loss allowance to noncurrent loans | 333.9496% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 4,546 |
| Noncurrent loans to loans | 0.4125% | 4,127 |
| Net loans and leases to total assets | 71.3146% | 2,171 |
| Net loans and leases to deposits | 80.0538% | 2,880 |
| Net loans and leases to core deposits | 80.0538% | 3,421 |
| Total domestic deposits to total assets | 89.0833% | 989 |
| Equity capital to assets | 9.0358% | 5,276 |
| Core capital (leverage) ratio | 8.5660% | 5,500 |
| Tier 1 risk-based capital ratio | 12.1560% | 4,992 |
| Total risk-based capital ratio | 13.4081% | 4,895 |
| Memoranda: | ||
| Average total assets | $199,208,750 | 2,976 |
| Average earning assets | $172,325,000 | 3,112 |
| Average equity | $17,637,500 | 3,461 |
| Average total loans | $135,231,750 | 2,813 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 1,868 |
| Cost of funding earning assets | 0.3781% | 3,517 |
| Net interest margin | 4.0153% | 1,596 |
| Noninterest income to average assets | 0.8718% | 1,538 |
| Noninterest expense to average assets | 3.5466% | 1,224 |
| Loan and lease loss provision to assets | 0.1808% | 1,130 |
| Net operating income to assets | 0.4660% | 4,912 |
| Return on assets (ROA) | 0.4660% | 5,009 |
| Pretax return on assets | 0.5896% | 5,006 |
| Return on Equity (ROE) | 5.3002% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.1351% | 3,390 |
| Net charge-offs to loans | 0.0091% | 3,590 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 127.8333% | 491 |
| Efficiency ratio | 82.1545% | 1,470 |
| Assets per employee ($millions) | 3.2791% | 5,198 |
| Cash dividends to net income (ytd only)* | 21.9828% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 2,883 |
| Loan loss allowance to noncurrent loans | 445.6876% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 5,012 |
| Noncurrent loans to loans | 0.3082% | 4,587 |
| Net loans and leases to total assets | 68.6308% | 2,547 |
| Net loans and leases to deposits | 76.7504% | 3,184 |
| Net loans and leases to core deposits | 76.7504% | 3,696 |
| Total domestic deposits to total assets | 89.4208% | 939 |
| Equity capital to assets | 8.8059% | 5,431 |
| Core capital (leverage) ratio | 8.4272% | 5,600 |
| Tier 1 risk-based capital ratio | 11.9360% | 5,190 |
| Total risk-based capital ratio | 13.1869% | 5,093 |
| Memoranda: | ||
| Average total assets | $199,120,330 | 3,003 |
| Average earning assets | $170,848,000 | 3,157 |
| Average equity | $17,508,670 | 3,497 |
| Average total loans | $132,228,670 | 2,871 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 1,885 |
| Cost of funding earning assets | 0.3782% | 3,550 |
| Net interest margin | 3.9877% | 1,598 |
| Noninterest income to average assets | 0.8013% | 1,705 |
| Noninterest expense to average assets | 3.5657% | 1,184 |
| Loan and lease loss provision to assets | 0.1812% | 1,059 |
| Net operating income to assets | 0.3745% | 5,169 |
| Return on assets (ROA) | 0.3745% | 5,290 |
| Pretax return on assets | 0.4510% | 5,315 |
| Return on Equity (ROE) | 4.2621% | 4,862 |
| Retained earnings to average equity (ytd only) | 3.0018% | 4,177 |
| Net charge-offs to loans | 0.0217% | 2,711 |
| Credit loss provision to net charge-offs | 1,285.7143% | 278 |
| Earnings coverage of net charge-offs (x) | 44.8571% | 902 |
| Efficiency ratio | 84.9400% | 1,275 |
| Assets per employee ($millions) | 3.2517% | 5,323 |
| Cash dividends to net income (ytd only)* | 29.5699% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 2,966 |
| Loan loss allowance to noncurrent loans | 207.4032% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 4,294 |
| Noncurrent loans to loans | 0.6696% | 3,608 |
| Net loans and leases to total assets | 64.1335% | 3,074 |
| Net loans and leases to deposits | 71.4775% | 3,595 |
| Net loans and leases to core deposits | 71.4775% | 4,014 |
| Total domestic deposits to total assets | 89.7254% | 886 |
| Equity capital to assets | 8.7380% | 5,553 |
| Core capital (leverage) ratio | 8.2882% | 5,740 |
| Tier 1 risk-based capital ratio | 12.1504% | 5,153 |
| Total risk-based capital ratio | 13.4007% | 5,056 |
| Memoranda: | ||
| Average total assets | $198,668,500 | 3,029 |
| Average earning assets | $169,219,500 | 3,189 |
| Average equity | $17,456,000 | 3,527 |
| Average total loans | $128,748,000 | 2,929 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 1,921 |
| Cost of funding earning assets | 0.4075% | 3,611 |
| Net interest margin | 4.0800% | 1,649 |
| Noninterest income to average assets | 0.9018% | 1,498 |
| Noninterest expense to average assets | 3.7802% | 1,018 |
| Loan and lease loss provision to assets | 0.0813% | 2,854 |
| Net operating income to assets | 0.4630% | 4,953 |
| Return on assets (ROA) | 0.4868% | 4,951 |
| Pretax return on assets | 0.5996% | 4,943 |
| Return on Equity (ROE) | 5.5730% | 4,374 |
| Retained earnings to average equity (ytd only) | 4.1317% | 3,262 |
| Net charge-offs to loans | 0.1555% | 2,478 |
| Credit loss provision to net charge-offs | 83.3333% | 2,794 |
| Earnings coverage of net charge-offs (x) | 6.6774% | 3,158 |
| Efficiency ratio | 85.2983% | 1,251 |
| Assets per employee ($millions) | 3.1069% | 5,556 |
| Cash dividends to net income (ytd only)* | 25.8621% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 3,071 |
| Loan loss allowance to noncurrent loans | 186.4807% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 4,215 |
| Noncurrent loans to loans | 0.7375% | 3,479 |
| Net loans and leases to total assets | 63.6793% | 3,264 |
| Net loans and leases to deposits | 71.4608% | 3,739 |
| Net loans and leases to core deposits | 71.4608% | 4,173 |
| Total domestic deposits to total assets | 89.1107% | 1,171 |
| Equity capital to assets | 8.8365% | 5,443 |
| Core capital (leverage) ratio | 8.3216% | 5,757 |
| Tier 1 risk-based capital ratio | 11.5461% | 5,629 |
| Total risk-based capital ratio | 12.7360% | 5,587 |
| Memoranda: | ||
| Average total assets | $190,625,800 | 3,095 |
| Average earning assets | $164,924,800 | 3,219 |
| Average equity | $16,651,800 | 3,583 |
| Average total loans | $119,614,800 | 3,050 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4527% | 2,043 |
| Cost of funding earning assets | 0.4136% | 3,645 |
| Net interest margin | 4.0391% | 1,755 |
| Noninterest income to average assets | 0.8957% | 1,537 |
| Noninterest expense to average assets | 3.7616% | 1,022 |
| Loan and lease loss provision to assets | 0.0563% | 3,245 |
| Net operating income to assets | 0.4859% | 4,919 |
| Return on assets (ROA) | 0.4859% | 4,990 |
| Pretax return on assets | 0.5985% | 5,035 |
| Return on Equity (ROE) | 5.5788% | 4,448 |
| Retained earnings to average equity (ytd only) | 4.2609% | 3,618 |
| Net charge-offs to loans | 0.2114% | 1,774 |
| Credit loss provision to net charge-offs | 42.7807% | 3,243 |
| Earnings coverage of net charge-offs (x) | 4.9732% | 3,343 |
| Efficiency ratio | 85.1722% | 1,270 |
| Assets per employee ($millions) | 3.0073% | 5,715 |
| Cash dividends to net income (ytd only)* | 23.6233% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 3,532 |
| Loan loss allowance to noncurrent loans | 174.9474% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 4,380 |
| Noncurrent loans to loans | 0.7561% | 3,710 |
| Net loans and leases to total assets | 65.4390% | 2,961 |
| Net loans and leases to deposits | 73.3448% | 3,513 |
| Net loans and leases to core deposits | 73.3448% | 4,013 |
| Total domestic deposits to total assets | 89.2211% | 1,116 |
| Equity capital to assets | 8.9554% | 5,396 |
| Core capital (leverage) ratio | 8.2047% | 5,927 |
| Tier 1 risk-based capital ratio | 11.6124% | 5,734 |
| Total risk-based capital ratio | 12.8574% | 5,650 |
| Memoranda: | ||
| Average total assets | $189,348,750 | 3,137 |
| Average earning assets | $165,047,750 | 3,249 |
| Average equity | $16,490,750 | 3,617 |
| Average total loans | $117,923,500 | 3,099 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3989% | 2,178 |
| Cost of funding earning assets | 0.4214% | 3,637 |
| Net interest margin | 3.9775% | 1,879 |
| Noninterest income to average assets | 0.8737% | 1,581 |
| Noninterest expense to average assets | 3.7378% | 1,071 |
| Loan and lease loss provision to assets | 0.0158% | 3,941 |
| Net operating income to assets | 0.4564% | 4,989 |
| Return on assets (ROA) | 0.4564% | 5,064 |
| Pretax return on assets | 0.5599% | 5,097 |
| Return on Equity (ROE) | 5.2902% | 4,537 |
| Retained earnings to average equity (ytd only) | 4.0289% | 3,615 |
| Net charge-offs to loans | 0.0416% | 3,397 |
| Credit loss provision to net charge-offs | 62.5000% | 2,601 |
| Earnings coverage of net charge-offs (x) | 22.7083% | 1,502 |
| Efficiency ratio | 86.6520% | 1,204 |
| Assets per employee ($millions) | 3.0615% | 5,666 |
| Cash dividends to net income (ytd only)* | 23.8426% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 3,071 |
| Loan loss allowance to noncurrent loans | 158.2734% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 4,230 |
| Noncurrent loans to loans | 0.9231% | 3,412 |
| Net loans and leases to total assets | 62.5400% | 3,317 |
| Net loans and leases to deposits | 70.6761% | 3,733 |
| Net loans and leases to core deposits | 70.7865% | 4,175 |
| Total domestic deposits to total assets | 88.4881% | 1,646 |
| Equity capital to assets | 8.8498% | 5,470 |
| Core capital (leverage) ratio | 8.1779% | 5,952 |
| Tier 1 risk-based capital ratio | 11.7937% | 5,642 |
| Total risk-based capital ratio | 12.9759% | 5,625 |
| Memoranda: | ||
| Average total assets | $189,311,000 | 3,159 |
| Average earning assets | $163,722,000 | 3,274 |
| Average equity | $16,332,000 | 3,643 |
| Average total loans | $115,350,000 | 3,146 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3762% | 2,245 |
| Cost of funding earning assets | 0.4182% | 3,782 |
| Net interest margin | 3.9580% | 1,896 |
| Noninterest income to average assets | 0.8611% | 1,518 |
| Noninterest expense to average assets | 3.7004% | 1,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4570% | 4,905 |
| Return on assets (ROA) | 0.4570% | 4,973 |
| Pretax return on assets | 0.5649% | 4,964 |
| Return on Equity (ROE) | 5.3668% | 4,354 |
| Retained earnings to average equity (ytd only) | 4.0002% | 3,713 |
| Net charge-offs to loans | 0.0248% | 3,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 38.1429% | 907 |
| Efficiency ratio | 86.7560% | 1,362 |
| Assets per employee ($millions) | 2.9475% | 5,915 |
| Cash dividends to net income (ytd only)* | 25.4630% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 2,961 |
| Loan loss allowance to noncurrent loans | 190.4865% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 4,667 |
| Noncurrent loans to loans | 0.8094% | 3,854 |
| Net loans and leases to total assets | 59.6463% | 3,617 |
| Net loans and leases to deposits | 67.1028% | 3,962 |
| Net loans and leases to core deposits | 67.2074% | 4,381 |
| Total domestic deposits to total assets | 88.8879% | 1,734 |
| Equity capital to assets | 8.6524% | 5,494 |
| Core capital (leverage) ratio | 8.1272% | 6,012 |
| Tier 1 risk-based capital ratio | 12.0251% | 5,630 |
| Total risk-based capital ratio | 13.2772% | 5,559 |
| Memoranda: | ||
| Average total assets | $189,060,000 | 3,178 |
| Average earning assets | $162,606,500 | 3,313 |
| Average equity | $16,099,000 | 3,683 |
| Average total loans | $112,790,500 | 3,208 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4552% | 2,374 |
| Cost of funding earning assets | 0.4409% | 4,207 |
| Net interest margin | 4.0143% | 1,908 |
| Noninterest income to average assets | 0.9785% | 1,446 |
| Noninterest expense to average assets | 3.7202% | 1,256 |
| Loan and lease loss provision to assets | 0.0134% | 4,856 |
| Net operating income to assets | 0.5491% | 4,509 |
| Return on assets (ROA) | 0.6110% | 4,334 |
| Pretax return on assets | 0.7714% | 4,261 |
| Return on Equity (ROE) | 7.0791% | 3,527 |
| Retained earnings to average equity (ytd only) | 5.5999% | 2,217 |
| Net charge-offs to loans | 0.0755% | 4,153 |
| Credit loss provision to net charge-offs | 31.2500% | 4,226 |
| Earnings coverage of net charge-offs (x) | 16.4625% | 1,800 |
| Efficiency ratio | 84.0402% | 1,619 |
| Assets per employee ($millions) | 3.0076% | 5,828 |
| Cash dividends to net income (ytd only)* | 20.8955% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 2,796 |
| Loan loss allowance to noncurrent loans | 254.8991% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 5,150 |
| Noncurrent loans to loans | 0.6235% | 4,419 |
| Net loans and leases to total assets | 57.8072% | 4,070 |
| Net loans and leases to deposits | 65.1678% | 4,392 |
| Net loans and leases to core deposits | 65.2691% | 4,753 |
| Total domestic deposits to total assets | 88.7053% | 1,799 |
| Equity capital to assets | 8.3788% | 5,712 |
| Core capital (leverage) ratio | 8.2080% | 5,963 |
| Tier 1 risk-based capital ratio | 12.1033% | 5,557 |
| Total risk-based capital ratio | 13.2718% | 5,539 |
| Memoranda: | ||
| Average total assets | $186,414,000 | 3,208 |
| Average earning assets | $160,126,600 | 3,340 |
| Average equity | $16,089,600 | 3,684 |
| Average total loans | $105,960,200 | 3,326 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4518% | 2,408 |
| Cost of funding earning assets | 0.4438% | 4,344 |
| Net interest margin | 4.0080% | 1,913 |
| Noninterest income to average assets | 0.9897% | 1,484 |
| Noninterest expense to average assets | 3.6936% | 1,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5941% | 4,380 |
| Return on assets (ROA) | 0.6780% | 4,111 |
| Pretax return on assets | 0.8518% | 4,086 |
| Return on Equity (ROE) | 7.7968% | 3,230 |
| Retained earnings to average equity (ytd only) | 6.4753% | 2,148 |
| Net charge-offs to loans | 0.1007% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 13.1646% | 2,054 |
| Efficiency ratio | 83.1797% | 1,687 |
| Assets per employee ($millions) | 2.8860% | 6,030 |
| Cash dividends to net income (ytd only)* | 16.9492% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 2,926 |
| Loan loss allowance to noncurrent loans | 519.3452% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 5,895 |
| Noncurrent loans to loans | 0.3115% | 5,447 |
| Net loans and leases to total assets | 57.4543% | 4,096 |
| Net loans and leases to deposits | 64.8558% | 4,427 |
| Net loans and leases to core deposits | 64.9594% | 4,807 |
| Total domestic deposits to total assets | 88.5877% | 1,788 |
| Equity capital to assets | 8.6912% | 5,535 |
| Core capital (leverage) ratio | 8.1203% | 6,134 |
| Tier 1 risk-based capital ratio | 12.3455% | 5,546 |
| Total risk-based capital ratio | 13.5068% | 5,536 |
| Memoranda: | ||
| Average total assets | $185,648,000 | 3,245 |
| Average earning assets | $159,841,500 | 3,375 |
| Average equity | $16,143,000 | 3,721 |
| Average total loans | $104,625,000 | 3,372 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 2,380 |
| Cost of funding earning assets | 0.4436% | 4,500 |
| Net interest margin | 4.0075% | 1,832 |
| Noninterest income to average assets | 1.0045% | 1,525 |
| Noninterest expense to average assets | 3.6717% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6321% | 4,146 |
| Return on assets (ROA) | 0.7593% | 3,668 |
| Pretax return on assets | 0.9389% | 3,750 |
| Return on Equity (ROE) | 8.7306% | 2,745 |
| Retained earnings to average equity (ytd only) | 7.4940% | 1,670 |
| Net charge-offs to loans | 0.0869% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 16.1556% | 1,681 |
| Efficiency ratio | 82.4439% | 1,828 |
| Assets per employee ($millions) | 2.9135% | 5,995 |
| Cash dividends to net income (ytd only)* | 14.1643% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 2,941 |
| Loan loss allowance to noncurrent loans | 502.5424% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 5,923 |
| Noncurrent loans to loans | 0.3301% | 5,468 |
| Net loans and leases to total assets | 56.5562% | 4,198 |
| Net loans and leases to deposits | 63.5977% | 4,551 |
| Net loans and leases to core deposits | 63.6975% | 4,927 |
| Total domestic deposits to total assets | 88.9282% | 1,670 |
| Equity capital to assets | 8.4612% | 5,809 |
| Core capital (leverage) ratio | 7.8931% | 6,254 |
| Tier 1 risk-based capital ratio | 12.2379% | 5,655 |
| Total risk-based capital ratio | 13.4023% | 5,651 |
| Memoranda: | ||
| Average total assets | $185,962,330 | 3,259 |
| Average earning assets | $160,051,670 | 3,397 |
| Average equity | $16,173,000 | 3,742 |
| Average total loans | $103,544,670 | 3,412 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3969% | 2,534 |
| Cost of funding earning assets | 0.4409% | 4,694 |
| Net interest margin | 3.9560% | 1,933 |
| Noninterest income to average assets | 0.9434% | 1,632 |
| Noninterest expense to average assets | 3.6702% | 1,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5639% | 4,390 |
| Return on assets (ROA) | 0.8249% | 3,167 |
| Pretax return on assets | 0.9886% | 3,400 |
| Return on Equity (ROE) | 9.3580% | 2,329 |
| Retained earnings to average equity (ytd only) | 8.0386% | 1,743 |
| Net charge-offs to loans | 0.1927% | 2,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.3878% | 2,225 |
| Efficiency ratio | 84.4819% | 1,705 |
| Assets per employee ($millions) | 2.9934% | 6,000 |
| Cash dividends to net income (ytd only)* | 14.0992% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 2,902 |
| Loan loss allowance to noncurrent loans | 201.7045% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 5,216 |
| Noncurrent loans to loans | 0.8550% | 4,408 |
| Net loans and leases to total assets | 53.6329% | 4,473 |
| Net loans and leases to deposits | 60.2896% | 4,760 |
| Net loans and leases to core deposits | 60.4741% | 5,096 |
| Total domestic deposits to total assets | 88.9588% | 1,707 |
| Equity capital to assets | 8.6943% | 5,817 |
| Core capital (leverage) ratio | 7.7664% | 6,312 |
| Tier 1 risk-based capital ratio | 12.3220% | 5,700 |
| Total risk-based capital ratio | 13.4845% | 5,727 |
| Memoranda: | ||
| Average total assets | $185,711,500 | 3,288 |
| Average earning assets | $159,658,000 | 3,436 |
| Average equity | $16,371,000 | 3,757 |
| Average total loans | $101,699,000 | 3,469 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 2,719 |
| Cost of funding earning assets | 0.4910% | 5,283 |
| Net interest margin | 4.1767% | 1,726 |
| Noninterest income to average assets | 0.8612% | 1,990 |
| Noninterest expense to average assets | 3.6117% | 1,583 |
| Loan and lease loss provision to assets | 0.1460% | 3,778 |
| Net operating income to assets | 0.5137% | 4,626 |
| Return on assets (ROA) | 0.6280% | 4,364 |
| Pretax return on assets | 0.8009% | 4,289 |
| Return on Equity (ROE) | 7.2838% | 3,471 |
| Retained earnings to average equity (ytd only) | 5.8470% | 2,163 |
| Net charge-offs to loans | -0.1654% | 6,913 |
| Credit loss provision to net charge-offs | -164.2424% | 6,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8604% | 1,882 |
| Assets per employee ($millions) | 2.8569% | 6,233 |
| Cash dividends to net income (ytd only)* | 19.7256% | 3,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8153% | 2,541 |
| Loan loss allowance to noncurrent loans | 153.0201% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 4,839 |
| Noncurrent loans to loans | 1.1863% | 3,874 |
| Net loans and leases to total assets | 53.9579% | 4,625 |
| Net loans and leases to deposits | 61.1615% | 4,889 |
| Net loans and leases to core deposits | 61.4603% | 5,208 |
| Total domestic deposits to total assets | 88.2219% | 2,083 |
| Equity capital to assets | 8.9401% | 5,591 |
| Core capital (leverage) ratio | 7.8876% | 6,292 |
| Tier 1 risk-based capital ratio | 12.3598% | 5,569 |
| Total risk-based capital ratio | 13.5215% | 5,572 |
| Memoranda: | ||
| Average total assets | $185,672,800 | 3,229 |
| Average earning assets | $157,853,400 | 3,408 |
| Average equity | $16,008,200 | 3,773 |
| Average total loans | $99,768,200 | 3,530 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 2,739 |
| Cost of funding earning assets | 0.5030% | 5,416 |
| Net interest margin | 4.2123% | 1,699 |
| Noninterest income to average assets | 0.9986% | 1,503 |
| Noninterest expense to average assets | 3.6069% | 1,547 |
| Loan and lease loss provision to assets | 0.1939% | 3,155 |
| Net operating income to assets | 0.6145% | 4,328 |
| Return on assets (ROA) | 0.7597% | 3,902 |
| Pretax return on assets | 0.9643% | 3,853 |
| Return on Equity (ROE) | 8.8921% | 2,853 |
| Retained earnings to average equity (ytd only) | 7.6027% | 1,796 |
| Net charge-offs to loans | -0.2490% | 7,027 |
| Credit loss provision to net charge-offs | -145.6989% | 6,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7320% | 2,276 |
| Assets per employee ($millions) | 2.8062% | 6,349 |
| Cash dividends to net income (ytd only)* | 14.5011% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8277% | 2,708 |
| Loan loss allowance to noncurrent loans | 180.1758% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.7966% | 4,713 |
| Noncurrent loans to loans | 1.0144% | 4,423 |
| Net loans and leases to total assets | 54.3303% | 4,703 |
| Net loans and leases to deposits | 61.5266% | 5,024 |
| Net loans and leases to core deposits | 62.0206% | 5,359 |
| Total domestic deposits to total assets | 88.3038% | 1,847 |
| Equity capital to assets | 9.0493% | 5,777 |
| Core capital (leverage) ratio | 7.7076% | 6,523 |
| Tier 1 risk-based capital ratio | 12.2335% | 5,814 |
| Total risk-based capital ratio | 13.3976% | 5,828 |
| Memoranda: | ||
| Average total assets | $186,381,250 | 3,255 |
| Average earning assets | $158,517,000 | 3,439 |
| Average equity | $15,923,750 | 3,827 |
| Average total loans | $99,590,250 | 3,568 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7140% | 2,863 |
| Cost of funding earning assets | 0.5206% | 5,478 |
| Net interest margin | 4.1935% | 1,771 |
| Noninterest income to average assets | 1.1049% | 1,174 |
| Noninterest expense to average assets | 3.5843% | 1,613 |
| Loan and lease loss provision to assets | 0.2887% | 2,273 |
| Net operating income to assets | 0.6261% | 4,245 |
| Return on assets (ROA) | 0.7821% | 3,727 |
| Pretax return on assets | 0.9802% | 3,787 |
| Return on Equity (ROE) | 9.3327% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.1121% | 1,597 |
| Net charge-offs to loans | -0.3732% | 7,098 |
| Credit loss provision to net charge-offs | -146.4865% | 6,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9442% | 2,605 |
| Assets per employee ($millions) | 2.8376% | 6,349 |
| Cash dividends to net income (ytd only)* | 13.0790% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8398% | 2,733 |
| Loan loss allowance to noncurrent loans | 175.4520% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.8602% | 4,657 |
| Noncurrent loans to loans | 1.0486% | 4,422 |
| Net loans and leases to total assets | 52.5342% | 5,024 |
| Net loans and leases to deposits | 59.0520% | 5,333 |
| Net loans and leases to core deposits | 59.5099% | 5,645 |
| Total domestic deposits to total assets | 88.9625% | 1,526 |
| Equity capital to assets | 8.5775% | 6,137 |
| Core capital (leverage) ratio | 7.4250% | 6,653 |
| Tier 1 risk-based capital ratio | 12.0990% | 5,862 |
| Total risk-based capital ratio | 13.2643% | 5,902 |
| Memoranda: | ||
| Average total assets | $187,708,000 | 3,241 |
| Average earning assets | $159,056,670 | 3,441 |
| Average equity | $15,729,670 | 3,848 |
| Average total loans | $99,139,000 | 3,593 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 3,103 |
| Cost of funding earning assets | 0.5577% | 5,446 |
| Net interest margin | 4.1286% | 1,999 |
| Noninterest income to average assets | 0.9898% | 1,452 |
| Noninterest expense to average assets | 3.5760% | 1,612 |
| Loan and lease loss provision to assets | 0.1916% | 3,037 |
| Net operating income to assets | 0.5856% | 4,415 |
| Return on assets (ROA) | 0.9089% | 3,099 |
| Pretax return on assets | 1.0941% | 3,346 |
| Return on Equity (ROE) | 10.9751% | 2,032 |
| Retained earnings to average equity (ytd only) | 9.6129% | 1,378 |
| Net charge-offs to loans | -0.0081% | 5,890 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9619% | 2,214 |
| Assets per employee ($millions) | 2.8708% | 6,404 |
| Cash dividends to net income (ytd only)* | 12.4122% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 4,100 |
| Loan loss allowance to noncurrent loans | 110.1190% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.0049% | 4,481 |
| Noncurrent loans to loans | 1.3721% | 4,056 |
| Net loans and leases to total assets | 50.9162% | 5,178 |
| Net loans and leases to deposits | 56.8919% | 5,502 |
| Net loans and leases to core deposits | 57.3253% | 5,778 |
| Total domestic deposits to total assets | 89.4965% | 1,372 |
| Equity capital to assets | 8.2567% | 6,306 |
| Core capital (leverage) ratio | 7.2262% | 6,752 |
| Tier 1 risk-based capital ratio | 11.7319% | 6,140 |
| Total risk-based capital ratio | 12.8760% | 6,184 |
| Memoranda: | ||
| Average total assets | $187,922,000 | 3,260 |
| Average earning assets | $158,504,500 | 3,462 |
| Average equity | $15,562,500 | 3,878 |
| Average total loans | $98,593,500 | 3,635 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0913% | 2,486 |
| Cost of funding earning assets | 0.7209% | 5,397 |
| Net interest margin | 4.3705% | 1,474 |
| Noninterest income to average assets | 0.8817% | 1,737 |
| Noninterest expense to average assets | 3.7035% | 1,531 |
| Loan and lease loss provision to assets | 0.1994% | 4,196 |
| Net operating income to assets | 0.5506% | 4,228 |
| Return on assets (ROA) | 0.6159% | 4,108 |
| Pretax return on assets | 0.8053% | 3,964 |
| Return on Equity (ROE) | 7.5348% | 3,130 |
| Retained earnings to average equity (ytd only) | 6.0712% | 1,976 |
| Net charge-offs to loans | 0.7180% | 2,362 |
| Credit loss provision to net charge-offs | 50.1393% | 5,420 |
| Earnings coverage of net charge-offs (x) | 2.3106% | 4,062 |
| Efficiency ratio | 80.1222% | 2,283 |
| Assets per employee ($millions) | 2.8238% | 6,423 |
| Cash dividends to net income (ytd only)* | 19.4245% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 4,466 |
| Loan loss allowance to noncurrent loans | 95.7241% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.1552% | 4,303 |
| Noncurrent loans to loans | 1.4612% | 3,968 |
| Net loans and leases to total assets | 52.5009% | 5,233 |
| Net loans and leases to deposits | 58.9702% | 5,602 |
| Net loans and leases to core deposits | 59.4376% | 5,892 |
| Total domestic deposits to total assets | 89.0296% | 1,521 |
| Equity capital to assets | 8.3064% | 6,346 |
| Core capital (leverage) ratio | 7.3181% | 6,739 |
| Tier 1 risk-based capital ratio | 11.7851% | 5,967 |
| Total risk-based capital ratio | 12.9668% | 6,000 |
| Memoranda: | ||
| Average total assets | $180,559,000 | 3,324 |
| Average earning assets | $154,537,800 | 3,499 |
| Average equity | $14,758,200 | 3,955 |
| Average total loans | $99,997,800 | 3,620 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1097% | 2,561 |
| Cost of funding earning assets | 0.7528% | 5,458 |
| Net interest margin | 4.3568% | 1,542 |
| Noninterest income to average assets | 0.8769% | 1,733 |
| Noninterest expense to average assets | 3.7407% | 1,411 |
| Loan and lease loss provision to assets | 0.2010% | 4,009 |
| Net operating income to assets | 0.5442% | 4,345 |
| Return on assets (ROA) | 0.6365% | 4,121 |
| Pretax return on assets | 0.7988% | 4,131 |
| Return on Equity (ROE) | 7.8201% | 3,122 |
| Retained earnings to average equity (ytd only) | 6.5122% | 2,234 |
| Net charge-offs to loans | 0.8996% | 1,780 |
| Credit loss provision to net charge-offs | 39.9408% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.7574% | 4,335 |
| Efficiency ratio | 80.8788% | 2,130 |
| Assets per employee ($millions) | 2.8021% | 6,482 |
| Cash dividends to net income (ytd only)* | 16.7250% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 4,743 |
| Loan loss allowance to noncurrent loans | 86.5633% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.2123% | 4,371 |
| Noncurrent loans to loans | 1.5679% | 3,946 |
| Net loans and leases to total assets | 53.4715% | 5,249 |
| Net loans and leases to deposits | 60.0403% | 5,625 |
| Net loans and leases to core deposits | 60.4330% | 5,951 |
| Total domestic deposits to total assets | 89.0594% | 1,395 |
| Equity capital to assets | 8.3887% | 6,408 |
| Core capital (leverage) ratio | 7.2057% | 6,898 |
| Tier 1 risk-based capital ratio | 11.6300% | 6,153 |
| Total risk-based capital ratio | 12.8342% | 6,178 |
| Memoranda: | ||
| Average total assets | $179,105,250 | 3,362 |
| Average earning assets | $154,083,500 | 3,527 |
| Average equity | $14,577,500 | 4,011 |
| Average total loans | $100,188,250 | 3,643 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1414% | 2,504 |
| Cost of funding earning assets | 0.7668% | 5,582 |
| Net interest margin | 4.3746% | 1,454 |
| Noninterest income to average assets | 0.8782% | 1,722 |
| Noninterest expense to average assets | 3.7531% | 1,442 |
| Loan and lease loss provision to assets | 0.2021% | 3,903 |
| Net operating income to assets | 0.5765% | 4,173 |
| Return on assets (ROA) | 0.7210% | 3,554 |
| Pretax return on assets | 0.8703% | 3,755 |
| Return on Equity (ROE) | 8.9517% | 2,539 |
| Retained earnings to average equity (ytd only) | 7.7247% | 1,568 |
| Net charge-offs to loans | 0.7033% | 2,103 |
| Credit loss provision to net charge-offs | 50.8475% | 4,563 |
| Earnings coverage of net charge-offs (x) | 2.2599% | 3,702 |
| Efficiency ratio | 80.6857% | 2,288 |
| Assets per employee ($millions) | 2.7070% | 6,632 |
| Cash dividends to net income (ytd only)* | 13.7072% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 3,725 |
| Loan loss allowance to noncurrent loans | 162.7329% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.8424% | 5,191 |
| Noncurrent loans to loans | 0.9781% | 5,027 |
| Net loans and leases to total assets | 54.3986% | 5,236 |
| Net loans and leases to deposits | 60.9236% | 5,622 |
| Net loans and leases to core deposits | 61.3284% | 5,964 |
| Total domestic deposits to total assets | 89.2898% | 1,365 |
| Equity capital to assets | 8.2279% | 6,495 |
| Core capital (leverage) ratio | 7.1829% | 6,930 |
| Tier 1 risk-based capital ratio | 11.6383% | 6,065 |
| Total risk-based capital ratio | 12.8065% | 6,113 |
| Memoranda: | ||
| Average total assets | $178,094,330 | 3,392 |
| Average earning assets | $153,615,670 | 3,567 |
| Average equity | $14,343,670 | 4,056 |
| Average total loans | $100,673,670 | 3,668 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0353% | 2,928 |
| Cost of funding earning assets | 0.7704% | 5,748 |
| Net interest margin | 4.2648% | 1,684 |
| Noninterest income to average assets | 0.8683% | 1,781 |
| Noninterest expense to average assets | 3.8085% | 1,325 |
| Loan and lease loss provision to assets | 0.2025% | 3,615 |
| Net operating income to assets | 0.4472% | 4,730 |
| Return on assets (ROA) | 0.7401% | 3,387 |
| Pretax return on assets | 0.8796% | 3,578 |
| Return on Equity (ROE) | 9.2902% | 2,353 |
| Retained earnings to average equity (ytd only) | 7.9348% | 1,759 |
| Net charge-offs to loans | 0.1850% | 3,384 |
| Credit loss provision to net charge-offs | 191.4894% | 1,544 |
| Earnings coverage of net charge-offs (x) | 6.9362% | 2,028 |
| Efficiency ratio | 83.8534% | 1,972 |
| Assets per employee ($millions) | 2.7161% | 6,675 |
| Cash dividends to net income (ytd only)* | 14.5897% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7755% | 3,087 |
| Loan loss allowance to noncurrent loans | 127.2404% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.7726% | 5,368 |
| Noncurrent loans to loans | 1.3954% | 4,377 |
| Net loans and leases to total assets | 54.3854% | 5,248 |
| Net loans and leases to deposits | 60.4748% | 5,674 |
| Net loans and leases to core deposits | 60.8660% | 6,029 |
| Total domestic deposits to total assets | 89.9307% | 1,186 |
| Equity capital to assets | 7.8361% | 6,647 |
| Core capital (leverage) ratio | 6.9864% | 7,017 |
| Tier 1 risk-based capital ratio | 11.3663% | 6,204 |
| Total risk-based capital ratio | 12.5511% | 6,239 |
| Memoranda: | ||
| Average total assets | $177,811,000 | 3,417 |
| Average earning assets | $153,159,000 | 3,591 |
| Average equity | $14,165,500 | 4,082 |
| Average total loans | $101,630,000 | 3,682 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4425% | 2,496 |
| Cost of funding earning assets | 0.9896% | 5,738 |
| Net interest margin | 4.4529% | 1,345 |
| Noninterest income to average assets | 0.8281% | 2,149 |
| Noninterest expense to average assets | 4.1659% | 945 |
| Loan and lease loss provision to assets | 0.3180% | 4,264 |
| Net operating income to assets | 0.1497% | 5,443 |
| Return on assets (ROA) | 0.2835% | 5,155 |
| Pretax return on assets | 0.3205% | 5,179 |
| Return on Equity (ROE) | 3.2846% | 4,830 |
| Retained earnings to average equity (ytd only) | 1.8528% | 4,564 |
| Net charge-offs to loans | -0.0514% | 7,450 |
| Credit loss provision to net charge-offs | -990.5660% | 7,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5443% | 1,355 |
| Assets per employee ($millions) | 2.5536% | 6,927 |
| Cash dividends to net income (ytd only)* | 43.5897% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 3,205 |
| Loan loss allowance to noncurrent loans | 114.6422% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8771% | 5,260 |
| Noncurrent loans to loans | 1.4858% | 4,248 |
| Net loans and leases to total assets | 58.0242% | 5,022 |
| Net loans and leases to deposits | 64.9592% | 5,518 |
| Net loans and leases to core deposits | 65.6295% | 5,914 |
| Total domestic deposits to total assets | 89.3241% | 1,483 |
| Equity capital to assets | 8.1034% | 6,378 |
| Core capital (leverage) ratio | 7.0971% | 6,975 |
| Tier 1 risk-based capital ratio | 11.2833% | 6,103 |
| Total risk-based capital ratio | 12.4756% | 6,146 |
| Memoranda: | ||
| Average total assets | $165,079,000 | 3,615 |
| Average earning assets | $141,773,000 | 3,787 |
| Average equity | $14,248,400 | 4,088 |
| Average total loans | $103,042,000 | 3,708 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4893% | 2,470 |
| Cost of funding earning assets | 0.9908% | 5,975 |
| Net interest margin | 4.4985% | 1,259 |
| Noninterest income to average assets | 0.8216% | 2,122 |
| Noninterest expense to average assets | 4.1831% | 848 |
| Loan and lease loss provision to assets | 0.3069% | 4,123 |
| Net operating income to assets | 0.1670% | 5,600 |
| Return on assets (ROA) | 0.3478% | 5,152 |
| Pretax return on assets | 0.3936% | 5,236 |
| Return on Equity (ROE) | 3.9646% | 4,800 |
| Retained earnings to average equity (ytd only) | 2.6586% | 4,560 |
| Net charge-offs to loans | -0.0646% | 7,496 |
| Credit loss provision to net charge-offs | -750.0000% | 7,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4175% | 1,330 |
| Assets per employee ($millions) | 2.4737% | 7,106 |
| Cash dividends to net income (ytd only)* | 32.9410% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 3,775 |
| Loan loss allowance to noncurrent loans | 116.1926% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.8032% | 5,491 |
| Noncurrent loans to loans | 1.3248% | 4,649 |
| Net loans and leases to total assets | 59.6970% | 4,966 |
| Net loans and leases to deposits | 67.0474% | 5,542 |
| Net loans and leases to core deposits | 68.0019% | 5,939 |
| Total domestic deposits to total assets | 89.0369% | 1,374 |
| Equity capital to assets | 8.4789% | 6,301 |
| Core capital (leverage) ratio | 7.3254% | 6,988 |
| Tier 1 risk-based capital ratio | 11.2330% | 6,157 |
| Total risk-based capital ratio | 12.4170% | 6,223 |
| Memoranda: | ||
| Average total assets | $162,938,000 | 3,696 |
| Average earning assets | $139,687,750 | 3,879 |
| Average equity | $14,292,750 | 4,136 |
| Average total loans | $103,177,250 | 3,757 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4897% | 2,564 |
| Cost of funding earning assets | 0.9815% | 6,231 |
| Net interest margin | 4.5083% | 1,189 |
| Noninterest income to average assets | 0.8469% | 1,897 |
| Noninterest expense to average assets | 4.2243% | 790 |
| Loan and lease loss provision to assets | 0.2806% | 4,159 |
| Net operating income to assets | 0.1871% | 5,608 |
| Return on assets (ROA) | 0.2307% | 5,592 |
| Pretax return on assets | 0.2507% | 5,654 |
| Return on Equity (ROE) | 2.5996% | 5,414 |
| Retained earnings to average equity (ytd only) | 1.1804% | 5,275 |
| Net charge-offs to loans | 0.1416% | 4,808 |
| Credit loss provision to net charge-offs | 308.2192% | 1,188 |
| Earnings coverage of net charge-offs (x) | 5.3151% | 2,703 |
| Efficiency ratio | 89.7219% | 1,358 |
| Assets per employee ($millions) | 2.4118% | 7,214 |
| Cash dividends to net income (ytd only)* | 54.5946% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 5,025 |
| Loan loss allowance to noncurrent loans | 50.1139% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 1.6061% | 4,033 |
| Noncurrent loans to loans | 2.5583% | 3,092 |
| Net loans and leases to total assets | 61.9744% | 4,687 |
| Net loans and leases to deposits | 69.8918% | 5,295 |
| Net loans and leases to core deposits | 71.2100% | 5,750 |
| Total domestic deposits to total assets | 88.6720% | 1,623 |
| Equity capital to assets | 8.7628% | 5,796 |
| Core capital (leverage) ratio | 7.4609% | 6,859 |
| Tier 1 risk-based capital ratio | 11.4541% | 5,817 |
| Total risk-based capital ratio | 12.6388% | 5,855 |
| Memoranda: | ||
| Average total assets | $160,356,670 | 3,784 |
| Average earning assets | $137,347,330 | 3,946 |
| Average equity | $14,233,000 | 4,150 |
| Average total loans | $103,074,670 | 3,803 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4809% | 2,682 |
| Cost of funding earning assets | 0.9693% | 6,508 |
| Net interest margin | 4.5116% | 1,115 |
| Noninterest income to average assets | 0.7973% | 2,034 |
| Noninterest expense to average assets | 4.2338% | 778 |
| Loan and lease loss provision to assets | 0.2271% | 4,223 |
| Net operating income to assets | 0.2069% | 5,660 |
| Return on assets (ROA) | 0.2069% | 5,779 |
| Pretax return on assets | 0.2119% | 5,843 |
| Return on Equity (ROE) | 2.3157% | 5,624 |
| Retained earnings to average equity (ytd only) | 0.3671% | 5,688 |
| Net charge-offs to loans | 0.1823% | 3,830 |
| Credit loss provision to net charge-offs | 191.4894% | 1,926 |
| Earnings coverage of net charge-offs (x) | 3.7021% | 2,820 |
| Efficiency ratio | 90.6048% | 1,385 |
| Assets per employee ($millions) | 2.3932% | 7,346 |
| Cash dividends to net income (ytd only)* | 84.1463% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 5,672 |
| Loan loss allowance to noncurrent loans | 114.8956% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.6600% | 5,865 |
| Noncurrent loans to loans | 1.0161% | 5,296 |
| Net loans and leases to total assets | 62.9984% | 4,534 |
| Net loans and leases to deposits | 70.8639% | 5,220 |
| Net loans and leases to core deposits | 72.0801% | 5,701 |
| Total domestic deposits to total assets | 88.9004% | 1,569 |
| Equity capital to assets | 8.7375% | 5,675 |
| Core capital (leverage) ratio | 7.6120% | 6,726 |
| Tier 1 risk-based capital ratio | 11.3050% | 5,849 |
| Total risk-based capital ratio | 12.4491% | 5,914 |
| Memoranda: | ||
| Average total assets | $158,535,000 | 3,872 |
| Average earning assets | $136,183,000 | 4,035 |
| Average equity | $14,164,000 | 4,208 |
| Average total loans | $103,133,000 | 3,853 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7850% | 2,719 |
| Cost of funding earning assets | 0.9977% | 7,210 |
| Net interest margin | 4.7873% | 709 |
| Noninterest income to average assets | 0.9362% | 1,805 |
| Noninterest expense to average assets | 4.4865% | 806 |
| Loan and lease loss provision to assets | 0.2079% | 5,681 |
| Net operating income to assets | 0.2922% | 4,563 |
| Return on assets (ROA) | 0.3440% | 4,448 |
| Pretax return on assets | 0.4024% | 4,493 |
| Return on Equity (ROE) | 3.6564% | 4,226 |
| Retained earnings to average equity (ytd only) | 0.3492% | 4,712 |
| Net charge-offs to loans | 0.3201% | 4,646 |
| Credit loss provision to net charge-offs | 99.6785% | 5,594 |
| Earnings coverage of net charge-offs (x) | 2.6334% | 3,800 |
| Efficiency ratio | 89.0931% | 1,787 |
| Assets per employee ($millions) | 2.2367% | 7,538 |
| Cash dividends to net income (ytd only)* | 90.4483% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 5,695 |
| Loan loss allowance to noncurrent loans | 213.5283% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 6,301 |
| Noncurrent loans to loans | 0.5335% | 6,184 |
| Net loans and leases to total assets | 65.6796% | 4,239 |
| Net loans and leases to deposits | 74.5947% | 4,939 |
| Net loans and leases to core deposits | 79.6358% | 6,135 |
| Total domestic deposits to total assets | 88.0486% | 1,953 |
| Equity capital to assets | 9.1419% | 4,925 |
| Core capital (leverage) ratio | 7.9582% | 6,250 |
| Tier 1 risk-based capital ratio | 11.3235% | 5,594 |
| Total risk-based capital ratio | 12.4311% | 5,696 |
| Memoranda: | ||
| Average total assets | $149,113,000 | 3,972 |
| Average earning assets | $127,692,800 | 4,141 |
| Average equity | $14,030,200 | 4,244 |
| Average total loans | $97,169,800 | 4,032 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8177% | 2,814 |
| Cost of funding earning assets | 0.9919% | 7,406 |
| Net interest margin | 4.8258% | 653 |
| Noninterest income to average assets | 0.9120% | 1,930 |
| Noninterest expense to average assets | 4.4949% | 749 |
| Loan and lease loss provision to assets | 0.1624% | 5,728 |
| Net operating income to assets | 0.3304% | 4,676 |
| Return on assets (ROA) | 0.3320% | 4,775 |
| Pretax return on assets | 0.3861% | 4,833 |
| Return on Equity (ROE) | 3.5020% | 4,572 |
| Retained earnings to average equity (ytd only) | 0.7803% | 4,852 |
| Net charge-offs to loans | 0.2017% | 4,792 |
| Credit loss provision to net charge-offs | 124.1379% | 4,063 |
| Earnings coverage of net charge-offs (x) | 4.1793% | 3,231 |
| Efficiency ratio | 89.1573% | 1,771 |
| Assets per employee ($millions) | 2.1315% | 7,686 |
| Cash dividends to net income (ytd only)* | 77.7173% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 4,994 |
| Loan loss allowance to noncurrent loans | 101.2616% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.8706% | 5,342 |
| Noncurrent loans to loans | 1.2074% | 4,933 |
| Net loans and leases to total assets | 65.1944% | 4,602 |
| Net loans and leases to deposits | 74.3247% | 5,325 |
| Net loans and leases to core deposits | 79.8899% | 6,361 |
| Total domestic deposits to total assets | 87.7156% | 1,793 |
| Equity capital to assets | 9.5794% | 4,643 |
| Core capital (leverage) ratio | 8.1337% | 6,130 |
| Tier 1 risk-based capital ratio | 11.4718% | 5,458 |
| Total risk-based capital ratio | 12.6186% | 5,510 |
| Memoranda: | ||
| Average total assets | $147,807,750 | 4,010 |
| Average earning assets | $126,484,000 | 4,196 |
| Average equity | $14,010,500 | 4,293 |
| Average total loans | $95,828,750 | 4,088 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8303% | 2,900 |
| Cost of funding earning assets | 0.9815% | 7,575 |
| Net interest margin | 4.8488% | 604 |
| Noninterest income to average assets | 0.9040% | 1,971 |
| Noninterest expense to average assets | 4.5011% | 777 |
| Loan and lease loss provision to assets | 0.1629% | 5,437 |
| Net operating income to assets | 0.3165% | 4,822 |
| Return on assets (ROA) | 0.3176% | 4,931 |
| Pretax return on assets | 0.3787% | 4,993 |
| Return on Equity (ROE) | 3.3630% | 4,762 |
| Retained earnings to average equity (ytd only) | 0.9773% | 4,789 |
| Net charge-offs to loans | 0.1243% | 4,921 |
| Credit loss provision to net charge-offs | 203.3898% | 2,239 |
| Earnings coverage of net charge-offs (x) | 6.7458% | 2,554 |
| Efficiency ratio | 89.2838% | 1,879 |
| Assets per employee ($millions) | 2.0925% | 7,779 |
| Cash dividends to net income (ytd only)* | 70.9402% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 4,275 |
| Loan loss allowance to noncurrent loans | 267.3913% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 6,400 |
| Noncurrent loans to loans | 0.4860% | 6,312 |
| Net loans and leases to total assets | 63.7815% | 5,027 |
| Net loans and leases to deposits | 71.6260% | 5,793 |
| Net loans and leases to core deposits | 77.2450% | 6,593 |
| Total domestic deposits to total assets | 89.0480% | 1,242 |
| Equity capital to assets | 9.5443% | 4,550 |
| Core capital (leverage) ratio | 8.1590% | 6,058 |
| Tier 1 risk-based capital ratio | 11.7834% | 5,120 |
| Total risk-based capital ratio | 12.9205% | 5,154 |
| Memoranda: | ||
| Average total assets | $147,341,670 | 4,045 |
| Average earning assets | $125,723,000 | 4,232 |
| Average equity | $13,916,330 | 4,323 |
| Average total loans | $94,945,670 | 4,143 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7431% | 3,570 |
| Cost of funding earning assets | 0.9945% | 7,679 |
| Net interest margin | 4.7485% | 689 |
| Noninterest income to average assets | 0.8824% | 1,920 |
| Noninterest expense to average assets | 4.3417% | 821 |
| Loan and lease loss provision to assets | 0.1624% | 4,858 |
| Net operating income to assets | 0.3821% | 4,939 |
| Return on assets (ROA) | 0.3844% | 5,106 |
| Pretax return on assets | 0.4520% | 5,239 |
| Return on Equity (ROE) | 4.0909% | 4,891 |
| Retained earnings to average equity (ytd only) | 2.1031% | 4,698 |
| Net charge-offs to loans | 0.1430% | 3,817 |
| Credit loss provision to net charge-offs | 176.4706% | 2,447 |
| Earnings coverage of net charge-offs (x) | 6.6471% | 2,461 |
| Efficiency ratio | 87.6503% | 1,921 |
| Assets per employee ($millions) | 2.1131% | 7,795 |
| Cash dividends to net income (ytd only)* | 48.5915% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 4,487 |
| Loan loss allowance to noncurrent loans | 126.0549% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6409% | 5,568 |
| Noncurrent loans to loans | 0.9877% | 5,022 |
| Net loans and leases to total assets | 64.0814% | 4,975 |
| Net loans and leases to deposits | 71.7516% | 5,775 |
| Net loans and leases to core deposits | 79.0074% | 6,460 |
| Total domestic deposits to total assets | 89.3101% | 1,095 |
| Equity capital to assets | 9.5257% | 4,630 |
| Core capital (leverage) ratio | 8.1046% | 6,280 |
| Tier 1 risk-based capital ratio | 11.8714% | 5,063 |
| Total risk-based capital ratio | 13.0294% | 5,061 |
| Memoranda: | ||
| Average total assets | $147,775,000 | 4,051 |
| Average earning assets | $126,691,500 | 4,230 |
| Average equity | $13,884,500 | 4,361 |
| Average total loans | $95,091,500 | 4,175 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9728% | 5,681 |
| Cost of funding earning assets | 1.4734% | 7,650 |
| Net interest margin | 4.4995% | 1,421 |
| Noninterest income to average assets | 0.9278% | 1,864 |
| Noninterest expense to average assets | 4.2920% | 1,054 |
| Loan and lease loss provision to assets | 0.1023% | 6,073 |
| Net operating income to assets | 0.3335% | 5,428 |
| Return on assets (ROA) | 0.3443% | 5,195 |
| Pretax return on assets | 0.4145% | 5,217 |
| Return on Equity (ROE) | 3.7181% | 4,936 |
| Retained earnings to average equity (ytd only) | 0.0589% | 5,204 |
| Net charge-offs to loans | -0.0023% | 7,750 |
| Credit loss provision to net charge-offs | -7,500.0000% | 7,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4954% | 1,557 |
| Assets per employee ($millions) | 2.0794% | 7,842 |
| Cash dividends to net income (ytd only)* | 98.4158% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 4,227 |
| Loan loss allowance to noncurrent loans | 278.9976% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 6,447 |
| Noncurrent loans to loans | 0.4448% | 6,022 |
| Net loans and leases to total assets | 63.0155% | 5,450 |
| Net loans and leases to deposits | 72.8015% | 5,967 |
| Net loans and leases to core deposits | 80.5899% | 6,571 |
| Total domestic deposits to total assets | 86.5581% | 2,153 |
| Equity capital to assets | 9.2654% | 4,981 |
| Core capital (leverage) ratio | 8.1830% | 6,193 |
| Tier 1 risk-based capital ratio | 12.0003% | 4,829 |
| Total risk-based capital ratio | 13.1718% | 4,778 |
| Memoranda: | ||
| Average total assets | $146,692,000 | 3,959 |
| Average earning assets | $126,104,200 | 4,127 |
| Average equity | $13,582,200 | 4,429 |
| Average total loans | $85,895,000 | 4,333 |