Home > Cenlar FSB > Performance and Condition Ratios
Cenlar FSB, 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 | 2.4056% | 4,567 |
| Cost of funding earning assets | 0.7671% | 3,815 |
| Net interest margin | 1.6385% | 4,489 |
| Noninterest income to average assets | 47.9600% | 53 |
| Noninterest expense to average assets | 48.7144% | 42 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6372% | 3,343 |
| Return on assets (ROA) | 0.4463% | 3,778 |
| Pretax return on assets | 0.4467% | 3,902 |
| Return on Equity (ROE) | 4.5500% | 3,805 |
| Retained earnings to average equity (ytd only) | 3.3764% | 3,173 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 98.6270% | 209 |
| Assets per employee ($millions) | 0.4006% | 4,524 |
| Cash dividends to net income (ytd only)* | 25.8342% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2608% | 4,436 |
| Loan loss allowance to noncurrent loans | 8.4949% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.8968% | 556 |
| Noncurrent loans to loans | 3.0700% | 140 |
| Net loans and leases to total assets | 28.4600% | 4,328 |
| Net loans and leases to deposits | 42.9325% | 4,130 |
| Net loans and leases to core deposits | 56.2695% | 3,902 |
| Total domestic deposits to total assets | 66.2800% | 4,371 |
| Equity capital to assets | 10.5881% | 1,685 |
| Core capital (leverage) ratio | 10.0539% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2358% | 272 |
| Memoranda: | ||
| Average total assets | $1,040,697,600 | 948 |
| Average earning assets | $890,548,000 | 1,012 |
| Average equity | $102,030,800 | 927 |
| Average total loans | $286,683,400 | 1,839 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3773% | 4,585 |
| Cost of funding earning assets | 0.7359% | 3,688 |
| Net interest margin | 1.6414% | 4,508 |
| Noninterest income to average assets | 47.3500% | 52 |
| Noninterest expense to average assets | 47.4494% | 41 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.3024% | 1,545 |
| Return on assets (ROA) | 1.3024% | 1,527 |
| Pretax return on assets | 1.3029% | 2,034 |
| Return on Equity (ROE) | 13.5300% | 1,791 |
| Retained earnings to average equity (ytd only) | 12.6149% | 868 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 97.2398% | 212 |
| Assets per employee ($millions) | 0.3856% | 4,558 |
| Cash dividends to net income (ytd only)* | 6.7457% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2537% | 4,456 |
| Loan loss allowance to noncurrent loans | 8.8479% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.8288% | 668 |
| Noncurrent loans to loans | 2.8679% | 148 |
| Net loans and leases to total assets | 28.1200% | 4,349 |
| Net loans and leases to deposits | 45.5129% | 4,065 |
| Net loans and leases to core deposits | 60.3893% | 3,685 |
| Total domestic deposits to total assets | 61.7800% | 4,448 |
| Equity capital to assets | 10.9438% | 1,366 |
| Core capital (leverage) ratio | 10.5746% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0821% | 231 |
| Memoranda: | ||
| Average total assets | $1,062,303,750 | 931 |
| Average earning assets | $913,346,250 | 987 |
| Average equity | $102,278,750 | 928 |
| Average total loans | $290,292,000 | 1,830 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3791% | 4,618 |
| Cost of funding earning assets | 0.6966% | 3,498 |
| Net interest margin | 1.6825% | 4,558 |
| Noninterest income to average assets | 45.8100% | 50 |
| Noninterest expense to average assets | 46.0847% | 41 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.1584% | 1,952 |
| Return on assets (ROA) | 1.1584% | 1,944 |
| Pretax return on assets | 1.1591% | 2,476 |
| Return on Equity (ROE) | 12.5500% | 1,997 |
| Retained earnings to average equity (ytd only) | 11.8523% | 1,015 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 97.4553% | 204 |
| Assets per employee ($millions) | 0.3967% | 4,584 |
| Cash dividends to net income (ytd only)* | 5.5547% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2491% | 4,491 |
| Loan loss allowance to noncurrent loans | 7.3517% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.9561% | 503 |
| Noncurrent loans to loans | 3.3879% | 120 |
| Net loans and leases to total assets | 27.5800% | 4,368 |
| Net loans and leases to deposits | 44.6303% | 4,078 |
| Net loans and leases to core deposits | 58.2729% | 3,702 |
| Total domestic deposits to total assets | 61.8000% | 4,472 |
| Equity capital to assets | 9.9695% | 1,875 |
| Core capital (leverage) ratio | 9.9962% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5113% | 266 |
| Memoranda: | ||
| Average total assets | $1,087,888,333 | 911 |
| Average earning assets | $934,217,333 | 958 |
| Average equity | $100,419,333 | 934 |
| Average total loans | $294,443,333 | 1,804 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3922% | 4,643 |
| Cost of funding earning assets | 0.6269% | 3,300 |
| Net interest margin | 1.7653% | 4,610 |
| Noninterest income to average assets | 44.9100% | 54 |
| Noninterest expense to average assets | 44.5928% | 47 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8425% | 626 |
| Return on assets (ROA) | 1.8385% | 619 |
| Pretax return on assets | 1.8400% | 1,004 |
| Return on Equity (ROE) | 20.6900% | 685 |
| Retained earnings to average equity (ytd only) | 20.6887% | 337 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 95.9756% | 222 |
| Assets per employee ($millions) | 0.4093% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2545% | 4,547 |
| Loan loss allowance to noncurrent loans | 6.5768% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.0415% | 388 |
| Noncurrent loans to loans | 3.8696% | 94 |
| Net loans and leases to total assets | 26.3800% | 4,439 |
| Net loans and leases to deposits | 40.9923% | 4,198 |
| Net loans and leases to core deposits | 51.8170% | 3,924 |
| Total domestic deposits to total assets | 64.3600% | 4,507 |
| Equity capital to assets | 9.1226% | 2,428 |
| Core capital (leverage) ratio | 9.5392% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7626% | 291 |
| Memoranda: | ||
| Average total assets | $1,113,489,000 | 913 |
| Average earning assets | $959,606,500 | 946 |
| Average equity | $98,952,500 | 953 |
| Average total loans | $298,332,000 | 1,797 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1245% | 4,590 |
| Cost of funding earning assets | 0.0017% | 4,647 |
| Net interest margin | 2.1228% | 4,508 |
| Noninterest income to average assets | 44.3000% | 56 |
| Noninterest expense to average assets | 48.1006% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -1.9946% | 4,690 |
| Return on assets (ROA) | -2.0122% | 4,690 |
| Pretax return on assets | -2.0119% | 4,682 |
| Return on Equity (ROE) | -21.1400% | 4,692 |
| Retained earnings to average equity (ytd only) | -22.1238% | 4,696 |
| Net charge-offs to loans | 0.0108% | 1,968 |
| Credit loss provision to net charge-offs | 127.2727% | 1,425 |
| Earnings coverage of net charge-offs (x) | -675.3636% | 4,723 |
| Efficiency ratio | 104.2379% | 120 |
| Assets per employee ($millions) | 0.3945% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2305% | 4,574 |
| Loan loss allowance to noncurrent loans | 5.7586% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.1040% | 376 |
| Noncurrent loans to loans | 4.0020% | 91 |
| Net loans and leases to total assets | 27.0700% | 4,458 |
| Net loans and leases to deposits | 37.8541% | 4,296 |
| Net loans and leases to core deposits | 40.4088% | 4,269 |
| Total domestic deposits to total assets | 71.5200% | 4,438 |
| Equity capital to assets | 8.6499% | 2,596 |
| Core capital (leverage) ratio | 8.6372% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1795% | 409 |
| Memoranda: | ||
| Average total assets | $1,119,636,200 | 888 |
| Average earning assets | $955,233,000 | 943 |
| Average equity | $106,577,600 | 907 |
| Average total loans | $305,901,200 | 1,702 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0588% | 4,597 |
| Cost of funding earning assets | 0.0000% | 4,686 |
| Net interest margin | 2.0588% | 4,536 |
| Noninterest income to average assets | 42.9300% | 54 |
| Noninterest expense to average assets | 46.4162% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -1.7346% | 4,725 |
| Return on assets (ROA) | -1.7560% | 4,722 |
| Pretax return on assets | -1.7556% | 4,711 |
| Return on Equity (ROE) | -18.0400% | 4,727 |
| Retained earnings to average equity (ytd only) | -18.3444% | 4,726 |
| Net charge-offs to loans | 0.0143% | 1,591 |
| Credit loss provision to net charge-offs | 112.1212% | 1,258 |
| Earnings coverage of net charge-offs (x) | -441.0000% | 4,762 |
| Efficiency ratio | 103.7896% | 130 |
| Assets per employee ($millions) | 0.3672% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2285% | 4,614 |
| Loan loss allowance to noncurrent loans | 5.4731% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.1499% | 374 |
| Noncurrent loans to loans | 4.1755% | 86 |
| Net loans and leases to total assets | 27.0500% | 4,483 |
| Net loans and leases to deposits | 39.1568% | 4,270 |
| Net loans and leases to core deposits | 39.1568% | 4,307 |
| Total domestic deposits to total assets | 69.0800% | 4,547 |
| Equity capital to assets | 9.3517% | 1,979 |
| Core capital (leverage) ratio | 9.3982% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3260% | 304 |
| Memoranda: | ||
| Average total assets | $1,121,712,250 | 895 |
| Average earning assets | $958,706,500 | 945 |
| Average equity | $109,189,750 | 903 |
| Average total loans | $306,983,500 | 1,680 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0186% | 4,613 |
| Cost of funding earning assets | 0.0000% | 4,753 |
| Net interest margin | 2.0186% | 4,548 |
| Noninterest income to average assets | 42.1769% | 22 |
| Noninterest expense to average assets | 46.0878% | 17 |
| Loan and lease loss provision to assets | 0.0048% | 2,521 |
| Net operating income to assets | -2.2057% | 4,738 |
| Return on assets (ROA) | -2.1889% | 4,735 |
| Pretax return on assets | -2.1884% | 4,731 |
| Return on Equity (ROE) | -22.1991% | 4,750 |
| Retained earnings to average equity (ytd only) | -22.6501% | 4,733 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9329% | 142 |
| Assets per employee ($millions) | 0.3302% | 4,756 |
| Cash dividends to net income (ytd only)* | -2.0315% | 4,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2379% | 4,683 |
| Loan loss allowance to noncurrent loans | 6.3769% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 418 |
| Noncurrent loans to loans | 3.7302% | 103 |
| Net loans and leases to total assets | 28.4024% | 4,511 |
| Net loans and leases to deposits | 43.3474% | 4,140 |
| Net loans and leases to core deposits | 43.3474% | 4,210 |
| Total domestic deposits to total assets | 65.5227% | 4,659 |
| Equity capital to assets | 10.0385% | 1,696 |
| Core capital (leverage) ratio | 9.3832% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9158% | 271 |
| Memoranda: | ||
| Average total assets | $1,124,379,000 | 892 |
| Average earning assets | $952,839,333 | 955 |
| Average equity | $110,869,333 | 899 |
| Average total loans | $308,668,667 | 1,678 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9733% | 4,621 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 1.9733% | 4,533 |
| Noninterest income to average assets | 42.3434% | 23 |
| Noninterest expense to average assets | 46.7073% | 18 |
| Loan and lease loss provision to assets | 0.0052% | 2,212 |
| Net operating income to assets | -2.7127% | 4,769 |
| Return on assets (ROA) | -2.6800% | 4,769 |
| Pretax return on assets | -2.6745% | 4,766 |
| Return on Equity (ROE) | -27.4035% | 4,783 |
| Retained earnings to average equity (ytd only) | -27.4035% | 4,739 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0643% | 167 |
| Assets per employee ($millions) | 0.3236% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2294% | 4,712 |
| Loan loss allowance to noncurrent loans | 6.4992% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 527 |
| Noncurrent loans to loans | 3.5290% | 125 |
| Net loans and leases to total assets | 27.4992% | 4,521 |
| Net loans and leases to deposits | 42.4757% | 4,144 |
| Net loans and leases to core deposits | 42.4757% | 4,222 |
| Total domestic deposits to total assets | 64.7410% | 4,704 |
| Equity capital to assets | 9.9081% | 1,966 |
| Core capital (leverage) ratio | 9.2711% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0410% | 293 |
| Memoranda: | ||
| Average total assets | $1,160,153,500 | 877 |
| Average earning assets | $977,059,000 | 935 |
| Average equity | $113,460,000 | 900 |
| Average total loans | $313,132,000 | 1,645 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9151% | 4,692 |
| Cost of funding earning assets | 0.0000% | 4,821 |
| Net interest margin | 1.9151% | 4,635 |
| Noninterest income to average assets | 49.5633% | 22 |
| Noninterest expense to average assets | 49.5770% | 18 |
| Loan and lease loss provision to assets | -0.0356% | 4,294 |
| Net operating income to assets | 1.6278% | 745 |
| Return on assets (ROA) | 1.6249% | 791 |
| Pretax return on assets | 1.6331% | 1,329 |
| Return on Equity (ROE) | 16.7427% | 632 |
| Retained earnings to average equity (ytd only) | 2.4316% | 3,845 |
| Net charge-offs to loans | -0.0115% | 3,793 |
| Credit loss provision to net charge-offs | 992.8571% | 539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7948% | 183 |
| Assets per employee ($millions) | 0.3506% | 4,825 |
| Cash dividends to net income (ytd only)* | 85.4764% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2140% | 4,752 |
| Loan loss allowance to noncurrent loans | 5.6624% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.0001% | 565 |
| Noncurrent loans to loans | 3.7786% | 119 |
| Net loans and leases to total assets | 26.4105% | 4,618 |
| Net loans and leases to deposits | 35.3809% | 4,493 |
| Net loans and leases to core deposits | 35.3809% | 4,530 |
| Total domestic deposits to total assets | 74.6462% | 4,568 |
| Equity capital to assets | 9.6622% | 2,985 |
| Core capital (leverage) ratio | 9.2313% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4637% | 375 |
| Memoranda: | ||
| Average total assets | $1,171,661,200 | 847 |
| Average earning assets | $987,544,200 | 916 |
| Average equity | $113,709,200 | 914 |
| Average total loans | $364,254,800 | 1,481 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9195% | 4,778 |
| Cost of funding earning assets | 0.0000% | 4,892 |
| Net interest margin | 1.9195% | 4,708 |
| Noninterest income to average assets | 51.0980% | 20 |
| Noninterest expense to average assets | 50.8357% | 18 |
| Loan and lease loss provision to assets | -0.0448% | 4,438 |
| Net operating income to assets | 1.9218% | 536 |
| Return on assets (ROA) | 1.9179% | 558 |
| Pretax return on assets | 1.9254% | 904 |
| Return on Equity (ROE) | 19.7395% | 442 |
| Retained earnings to average equity (ytd only) | 2.0967% | 4,166 |
| Net charge-offs to loans | -0.0149% | 3,846 |
| Credit loss provision to net charge-offs | 928.5714% | 531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3447% | 192 |
| Assets per employee ($millions) | 0.3395% | 4,900 |
| Cash dividends to net income (ytd only)* | 89.3783% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2112% | 4,835 |
| Loan loss allowance to noncurrent loans | 4.6785% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.2588% | 461 |
| Noncurrent loans to loans | 4.5148% | 93 |
| Net loans and leases to total assets | 27.8229% | 4,655 |
| Net loans and leases to deposits | 39.3422% | 4,475 |
| Net loans and leases to core deposits | 39.3422% | 4,533 |
| Total domestic deposits to total assets | 70.7201% | 4,719 |
| Equity capital to assets | 9.5292% | 3,341 |
| Core capital (leverage) ratio | 9.0163% | 3,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0202% | 340 |
| Memoranda: | ||
| Average total assets | $1,161,724,000 | 858 |
| Average earning assets | $981,806,750 | 932 |
| Average equity | $112,874,250 | 930 |
| Average total loans | $375,162,250 | 1,469 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9588% | 4,815 |
| Cost of funding earning assets | 0.0000% | 4,930 |
| Net interest margin | 1.9588% | 4,728 |
| Noninterest income to average assets | 51.3520% | 20 |
| Noninterest expense to average assets | 51.5844% | 18 |
| Loan and lease loss provision to assets | -0.0438% | 4,504 |
| Net operating income to assets | 1.4417% | 1,444 |
| Return on assets (ROA) | 1.4356% | 1,531 |
| Pretax return on assets | 1.4430% | 2,206 |
| Return on Equity (ROE) | 14.6765% | 1,239 |
| Retained earnings to average equity (ytd only) | -0.9175% | 4,602 |
| Net charge-offs to loans | -0.0217% | 4,026 |
| Credit loss provision to net charge-offs | 597.6190% | 630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2574% | 196 |
| Assets per employee ($millions) | 0.3115% | 4,936 |
| Cash dividends to net income (ytd only)* | 106.2515% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2386% | 4,867 |
| Loan loss allowance to noncurrent loans | 5.2720% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.4142% | 425 |
| Noncurrent loans to loans | 4.5256% | 104 |
| Net loans and leases to total assets | 31.1747% | 4,618 |
| Net loans and leases to deposits | 47.7965% | 4,234 |
| Net loans and leases to core deposits | 47.7965% | 4,336 |
| Total domestic deposits to total assets | 65.2240% | 4,830 |
| Equity capital to assets | 9.8326% | 3,020 |
| Core capital (leverage) ratio | 9.3038% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5149% | 403 |
| Memoranda: | ||
| Average total assets | $1,145,408,000 | 864 |
| Average earning assets | $957,625,000 | 941 |
| Average equity | $112,043,333 | 923 |
| Average total loans | $387,697,333 | 1,448 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0010% | 4,838 |
| Cost of funding earning assets | 0.0000% | 4,958 |
| Net interest margin | 2.0010% | 4,731 |
| Noninterest income to average assets | 51.2991% | 20 |
| Noninterest expense to average assets | 51.6643% | 18 |
| Loan and lease loss provision to assets | -0.0548% | 4,657 |
| Net operating income to assets | 1.3387% | 1,714 |
| Return on assets (ROA) | 1.3311% | 1,818 |
| Pretax return on assets | 1.3384% | 2,463 |
| Return on Equity (ROE) | 13.6427% | 1,505 |
| Retained earnings to average equity (ytd only) | 3.1068% | 3,746 |
| Net charge-offs to loans | -0.0417% | 4,325 |
| Credit loss provision to net charge-offs | 373.8095% | 683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4548% | 224 |
| Assets per employee ($millions) | 0.2868% | 4,965 |
| Cash dividends to net income (ytd only)* | 77.2275% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2470% | 4,896 |
| Loan loss allowance to noncurrent loans | 5.5471% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.6074% | 366 |
| Noncurrent loans to loans | 4.4528% | 112 |
| Net loans and leases to total assets | 36.0098% | 4,500 |
| Net loans and leases to deposits | 53.9096% | 3,944 |
| Net loans and leases to core deposits | 53.9858% | 4,095 |
| Total domestic deposits to total assets | 66.7966% | 4,823 |
| Equity capital to assets | 10.6241% | 2,149 |
| Core capital (leverage) ratio | 9.8144% | 2,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1368% | 350 |
| Memoranda: | ||
| Average total assets | $1,146,734,500 | 855 |
| Average earning assets | $949,345,500 | 935 |
| Average equity | $111,884,000 | 918 |
| Average total loans | $402,994,500 | 1,401 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4830% | 4,848 |
| Cost of funding earning assets | 0.0003% | 4,990 |
| Net interest margin | 2.4827% | 4,606 |
| Noninterest income to average assets | 43.8153% | 24 |
| Noninterest expense to average assets | 43.2292% | 18 |
| Loan and lease loss provision to assets | 0.0170% | 4,164 |
| Net operating income to assets | 2.6730% | 121 |
| Return on assets (ROA) | 2.6644% | 125 |
| Pretax return on assets | 2.6667% | 159 |
| Return on Equity (ROE) | 28.9596% | 71 |
| Retained earnings to average equity (ytd only) | 1.4332% | 4,057 |
| Net charge-offs to loans | -0.0002% | 3,893 |
| Credit loss provision to net charge-offs | -20,100.0000% | 4,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8515% | 271 |
| Assets per employee ($millions) | 0.3379% | 4,985 |
| Cash dividends to net income (ytd only)* | 95.0512% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2508% | 4,918 |
| Loan loss allowance to noncurrent loans | 6.0055% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.4334% | 529 |
| Noncurrent loans to loans | 4.1766% | 129 |
| Net loans and leases to total assets | 34.2336% | 4,636 |
| Net loans and leases to deposits | 43.2072% | 4,552 |
| Net loans and leases to core deposits | 43.2072% | 4,623 |
| Total domestic deposits to total assets | 79.2312% | 4,176 |
| Equity capital to assets | 9.0102% | 4,042 |
| Core capital (leverage) ratio | 9.0747% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3008% | 737 |
| Memoranda: | ||
| Average total assets | $1,180,058,600 | 763 |
| Average earning assets | $1,001,133,000 | 811 |
| Average equity | $108,571,800 | 899 |
| Average total loans | $450,668,400 | 1,224 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5660% | 4,896 |
| Cost of funding earning assets | 0.0004% | 5,022 |
| Net interest margin | 2.5656% | 4,605 |
| Noninterest income to average assets | 42.5592% | 24 |
| Noninterest expense to average assets | 42.0308% | 18 |
| Loan and lease loss provision to assets | 0.0267% | 4,005 |
| Net operating income to assets | 2.7088% | 116 |
| Return on assets (ROA) | 2.6976% | 121 |
| Pretax return on assets | 2.6999% | 159 |
| Return on Equity (ROE) | 29.1604% | 70 |
| Retained earnings to average equity (ytd only) | -2.2244% | 4,718 |
| Net charge-offs to loans | -0.0003% | 3,768 |
| Credit loss provision to net charge-offs | -23,300.0000% | 4,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5635% | 268 |
| Assets per employee ($millions) | 0.3426% | 5,016 |
| Cash dividends to net income (ytd only)* | 107.6281% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2500% | 4,950 |
| Loan loss allowance to noncurrent loans | 6.3454% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.4697% | 589 |
| Noncurrent loans to loans | 3.9396% | 167 |
| Net loans and leases to total assets | 37.2134% | 4,636 |
| Net loans and leases to deposits | 49.1987% | 4,511 |
| Net loans and leases to core deposits | 49.1987% | 4,600 |
| Total domestic deposits to total assets | 75.6390% | 4,457 |
| Equity capital to assets | 9.1341% | 4,013 |
| Core capital (leverage) ratio | 9.0270% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9074% | 518 |
| Memoranda: | ||
| Average total assets | $1,166,943,500 | 759 |
| Average earning assets | $1,004,868,750 | 804 |
| Average equity | $107,951,750 | 897 |
| Average total loans | $457,586,250 | 1,207 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6978% | 4,935 |
| Cost of funding earning assets | 0.0004% | 5,056 |
| Net interest margin | 2.6974% | 4,555 |
| Noninterest income to average assets | 40.4910% | 22 |
| Noninterest expense to average assets | 39.8412% | 20 |
| Loan and lease loss provision to assets | 0.0517% | 3,660 |
| Net operating income to assets | 2.9132% | 92 |
| Return on assets (ROA) | 2.9051% | 97 |
| Pretax return on assets | 2.9075% | 129 |
| Return on Equity (ROE) | 31.2715% | 54 |
| Retained earnings to average equity (ytd only) | 1.6794% | 3,881 |
| Net charge-offs to loans | 0.0022% | 2,935 |
| Credit loss provision to net charge-offs | 6,020.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 3,457.6000% | 15 |
| Efficiency ratio | 92.7033% | 328 |
| Assets per employee ($millions) | 0.3669% | 5,049 |
| Cash dividends to net income (ytd only)* | 94.6296% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2472% | 4,978 |
| Loan loss allowance to noncurrent loans | 8.5657% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.1512% | 963 |
| Noncurrent loans to loans | 2.8861% | 357 |
| Net loans and leases to total assets | 39.7895% | 4,616 |
| Net loans and leases to deposits | 52.1618% | 4,440 |
| Net loans and leases to core deposits | 52.2203% | 4,556 |
| Total domestic deposits to total assets | 76.2809% | 4,402 |
| Equity capital to assets | 9.3063% | 3,824 |
| Core capital (leverage) ratio | 9.0391% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6289% | 531 |
| Memoranda: | ||
| Average total assets | $1,165,262,333 | 751 |
| Average earning assets | $1,001,117,667 | 790 |
| Average equity | $108,252,000 | 891 |
| Average total loans | $464,372,000 | 1,183 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8277% | 4,995 |
| Cost of funding earning assets | 0.0000% | 5,101 |
| Net interest margin | 2.8277% | 4,540 |
| Noninterest income to average assets | 39.8573% | 22 |
| Noninterest expense to average assets | 38.9405% | 19 |
| Loan and lease loss provision to assets | 0.0678% | 2,911 |
| Net operating income to assets | 3.2764% | 52 |
| Return on assets (ROA) | 3.2661% | 51 |
| Pretax return on assets | 3.2733% | 66 |
| Return on Equity (ROE) | 35.1882% | 24 |
| Retained earnings to average equity (ytd only) | 2.7216% | 3,190 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6646% | 441 |
| Assets per employee ($millions) | 0.3985% | 5,098 |
| Cash dividends to net income (ytd only)* | 92.2655% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2291% | 5,025 |
| Loan loss allowance to noncurrent loans | 9.4645% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 0.9650% | 1,378 |
| Noncurrent loans to loans | 2.4211% | 507 |
| Net loans and leases to total assets | 39.7660% | 4,675 |
| Net loans and leases to deposits | 51.2386% | 4,554 |
| Net loans and leases to core deposits | 51.2386% | 4,648 |
| Total domestic deposits to total assets | 77.6095% | 4,280 |
| Equity capital to assets | 9.3027% | 4,392 |
| Core capital (leverage) ratio | 9.0554% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7647% | 512 |
| Memoranda: | ||
| Average total assets | $1,162,255,000 | 721 |
| Average earning assets | $1,000,675,000 | 757 |
| Average equity | $107,877,000 | 886 |
| Average total loans | $462,958,000 | 1,158 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8803% | 5,079 |
| Cost of funding earning assets | 0.0008% | 5,166 |
| Net interest margin | 2.8795% | 4,676 |
| Noninterest income to average assets | 37.1341% | 26 |
| Noninterest expense to average assets | 36.3462% | 25 |
| Loan and lease loss provision to assets | -0.0016% | 4,902 |
| Net operating income to assets | 3.3007% | 66 |
| Return on assets (ROA) | 3.2837% | 70 |
| Pretax return on assets | 3.2900% | 85 |
| Return on Equity (ROE) | 35.4344% | 28 |
| Retained earnings to average equity (ytd only) | 2.9782% | 3,544 |
| Net charge-offs to loans | -0.0002% | 4,131 |
| Credit loss provision to net charge-offs | 1,900.0000% | 203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0517% | 318 |
| Assets per employee ($millions) | 0.4396% | 5,156 |
| Cash dividends to net income (ytd only)* | 91.5951% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1849% | 5,090 |
| Loan loss allowance to noncurrent loans | 8.3092% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 1,418 |
| Noncurrent loans to loans | 2.2249% | 553 |
| Net loans and leases to total assets | 39.7347% | 4,741 |
| Net loans and leases to deposits | 48.3202% | 4,734 |
| Net loans and leases to core deposits | 48.3202% | 4,784 |
| Total domestic deposits to total assets | 82.2321% | 3,449 |
| Equity capital to assets | 9.2608% | 4,521 |
| Core capital (leverage) ratio | 9.1686% | 4,381 |
| Tier 1 risk-based capital ratio | 22.0222% | 1,019 |
| Total risk-based capital ratio | 22.1941% | 1,151 |
| Memoranda: | ||
| Average total assets | $1,159,092,000 | 685 |
| Average earning assets | $1,013,357,400 | 718 |
| Average equity | $107,412,600 | 847 |
| Average total loans | $444,594,400 | 1,171 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9107% | 5,168 |
| Cost of funding earning assets | 0.0010% | 5,246 |
| Net interest margin | 2.9096% | 4,745 |
| Noninterest income to average assets | 36.0090% | 27 |
| Noninterest expense to average assets | 35.5225% | 26 |
| Loan and lease loss provision to assets | -0.0006% | 5,021 |
| Net operating income to assets | 3.0427% | 78 |
| Return on assets (ROA) | 3.0202% | 85 |
| Pretax return on assets | 3.0262% | 111 |
| Return on Equity (ROE) | 32.5858% | 28 |
| Retained earnings to average equity (ytd only) | 6.4251% | 2,158 |
| Net charge-offs to loans | -0.0006% | 3,975 |
| Credit loss provision to net charge-offs | 250.0000% | 1,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4099% | 285 |
| Assets per employee ($millions) | 0.4631% | 5,232 |
| Cash dividends to net income (ytd only)* | 80.2823% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1868% | 5,164 |
| Loan loss allowance to noncurrent loans | 10.7901% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 1,955 |
| Noncurrent loans to loans | 1.7316% | 844 |
| Net loans and leases to total assets | 39.1844% | 4,840 |
| Net loans and leases to deposits | 49.3785% | 4,793 |
| Net loans and leases to core deposits | 49.3785% | 4,853 |
| Total domestic deposits to total assets | 79.3552% | 4,107 |
| Equity capital to assets | 9.1817% | 4,674 |
| Core capital (leverage) ratio | 9.1122% | 4,548 |
| Tier 1 risk-based capital ratio | 22.6058% | 995 |
| Total risk-based capital ratio | 22.7827% | 1,104 |
| Memoranda: | ||
| Average total assets | $1,157,063,500 | 686 |
| Average earning assets | $1,018,660,500 | 712 |
| Average equity | $107,242,500 | 845 |
| Average total loans | $439,581,750 | 1,188 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9136% | 5,227 |
| Cost of funding earning assets | 0.0014% | 5,293 |
| Net interest margin | 2.9122% | 4,812 |
| Noninterest income to average assets | 35.2974% | 29 |
| Noninterest expense to average assets | 35.5144% | 25 |
| Loan and lease loss provision to assets | -0.0017% | 5,089 |
| Net operating income to assets | 2.3588% | 188 |
| Return on assets (ROA) | 2.3286% | 210 |
| Pretax return on assets | 2.3353% | 332 |
| Return on Equity (ROE) | 25.0429% | 92 |
| Retained earnings to average equity (ytd only) | 7.5609% | 1,573 |
| Net charge-offs to loans | -0.0005% | 3,868 |
| Credit loss provision to net charge-offs | 1,000.0000% | 340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9586% | 259 |
| Assets per employee ($millions) | 0.4583% | 5,280 |
| Cash dividends to net income (ytd only)* | 69.8081% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1985% | 5,217 |
| Loan loss allowance to noncurrent loans | 18.3704% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 2,887 |
| Noncurrent loans to loans | 1.0806% | 1,513 |
| Net loans and leases to total assets | 37.2803% | 4,937 |
| Net loans and leases to deposits | 47.4192% | 4,865 |
| Net loans and leases to core deposits | 47.4710% | 4,923 |
| Total domestic deposits to total assets | 78.6186% | 4,295 |
| Equity capital to assets | 9.2795% | 4,590 |
| Core capital (leverage) ratio | 9.1816% | 4,484 |
| Tier 1 risk-based capital ratio | 23.9834% | 847 |
| Total risk-based capital ratio | 24.1719% | 927 |
| Memoranda: | ||
| Average total assets | $1,145,564,670 | 689 |
| Average earning assets | $1,015,181,330 | 714 |
| Average equity | $106,521,330 | 843 |
| Average total loans | $430,182,330 | 1,209 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8649% | 5,300 |
| Cost of funding earning assets | 0.0000% | 5,351 |
| Net interest margin | 2.8649% | 4,921 |
| Noninterest income to average assets | 33.5228% | 28 |
| Noninterest expense to average assets | 34.9066% | 27 |
| Loan and lease loss provision to assets | -0.0039% | 5,191 |
| Net operating income to assets | 1.1618% | 2,206 |
| Return on assets (ROA) | 1.1018% | 2,506 |
| Pretax return on assets | 1.1071% | 3,130 |
| Return on Equity (ROE) | 11.8362% | 1,597 |
| Retained earnings to average equity (ytd only) | -5.5294% | 4,949 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8552% | 230 |
| Assets per employee ($millions) | 0.4487% | 5,338 |
| Cash dividends to net income (ytd only)* | 146.7158% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2000% | 5,281 |
| Loan loss allowance to noncurrent loans | 23.7586% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 3,307 |
| Noncurrent loans to loans | 0.8419% | 1,953 |
| Net loans and leases to total assets | 38.2117% | 4,950 |
| Net loans and leases to deposits | 49.5520% | 4,830 |
| Net loans and leases to core deposits | 49.5520% | 4,905 |
| Total domestic deposits to total assets | 77.1142% | 4,643 |
| Equity capital to assets | 9.2148% | 4,518 |
| Core capital (leverage) ratio | 9.3045% | 4,358 |
| Tier 1 risk-based capital ratio | 23.7387% | 863 |
| Total risk-based capital ratio | 23.9359% | 945 |
| Memoranda: | ||
| Average total assets | $1,133,092,000 | 700 |
| Average earning assets | $1,007,358,500 | 723 |
| Average equity | $105,473,000 | 849 |
| Average total loans | $426,654,500 | 1,221 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6862% | 5,318 |
| Cost of funding earning assets | 0.0249% | 5,379 |
| Net interest margin | 2.6613% | 5,121 |
| Noninterest income to average assets | 36.5845% | 26 |
| Noninterest expense to average assets | 37.2849% | 25 |
| Loan and lease loss provision to assets | -0.0036% | 5,083 |
| Net operating income to assets | 1.6630% | 749 |
| Return on assets (ROA) | 1.6572% | 757 |
| Pretax return on assets | 1.6607% | 1,274 |
| Return on Equity (ROE) | 17.8277% | 411 |
| Retained earnings to average equity (ytd only) | 1.7092% | 4,465 |
| Net charge-offs to loans | 0.0016% | 3,704 |
| Credit loss provision to net charge-offs | -666.6667% | 4,677 |
| Earnings coverage of net charge-offs (x) | 3,089.1667% | 25 |
| Efficiency ratio | 94.5435% | 232 |
| Assets per employee ($millions) | 0.4432% | 5,382 |
| Cash dividends to net income (ytd only)* | 90.4125% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2086% | 5,323 |
| Loan loss allowance to noncurrent loans | 30.0548% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 3,558 |
| Noncurrent loans to loans | 0.6941% | 2,253 |
| Net loans and leases to total assets | 36.9452% | 5,046 |
| Net loans and leases to deposits | 45.5160% | 4,995 |
| Net loans and leases to core deposits | 45.5160% | 5,048 |
| Total domestic deposits to total assets | 81.1697% | 3,852 |
| Equity capital to assets | 9.4017% | 4,215 |
| Core capital (leverage) ratio | 9.1396% | 4,524 |
| Tier 1 risk-based capital ratio | 23.0484% | 916 |
| Total risk-based capital ratio | 23.2400% | 1,015 |
| Memoranda: | ||
| Average total assets | $1,114,631,800 | 693 |
| Average earning assets | $989,778,800 | 716 |
| Average equity | $103,613,800 | 826 |
| Average total loans | $386,044,200 | 1,288 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6290% | 5,395 |
| Cost of funding earning assets | 0.0331% | 5,447 |
| Net interest margin | 2.5959% | 5,219 |
| Noninterest income to average assets | 36.5304% | 26 |
| Noninterest expense to average assets | 37.7353% | 25 |
| Loan and lease loss provision to assets | -0.0002% | 5,189 |
| Net operating income to assets | 1.1036% | 2,648 |
| Return on assets (ROA) | 1.0960% | 2,701 |
| Pretax return on assets | 1.0989% | 3,407 |
| Return on Equity (ROE) | 11.8251% | 1,865 |
| Retained earnings to average equity (ytd only) | 0.8143% | 4,898 |
| Net charge-offs to loans | 0.0021% | 3,415 |
| Credit loss provision to net charge-offs | -33.3333% | 4,136 |
| Earnings coverage of net charge-offs (x) | 1,534.1288% | 46 |
| Efficiency ratio | 95.8932% | 199 |
| Assets per employee ($millions) | 0.4139% | 5,454 |
| Cash dividends to net income (ytd only)* | 93.1140% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2230% | 5,391 |
| Loan loss allowance to noncurrent loans | 22.3443% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 3,212 |
| Noncurrent loans to loans | 0.9981% | 1,705 |
| Net loans and leases to total assets | 36.2031% | 5,138 |
| Net loans and leases to deposits | 45.8662% | 5,056 |
| Net loans and leases to core deposits | 45.8662% | 5,114 |
| Total domestic deposits to total assets | 78.9319% | 4,327 |
| Equity capital to assets | 9.4836% | 4,095 |
| Core capital (leverage) ratio | 9.1767% | 4,537 |
| Tier 1 risk-based capital ratio | 23.9292% | 855 |
| Total risk-based capital ratio | 24.1398% | 921 |
| Memoranda: | ||
| Average total assets | $1,109,425,750 | 690 |
| Average earning assets | $987,721,250 | 714 |
| Average equity | $102,829,250 | 831 |
| Average total loans | $377,462,000 | 1,318 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5965% | 5,457 |
| Cost of funding earning assets | 0.0407% | 5,502 |
| Net interest margin | 2.5558% | 5,300 |
| Noninterest income to average assets | 35.6493% | 28 |
| Noninterest expense to average assets | 38.2202% | 25 |
| Loan and lease loss provision to assets | 0.0116% | 3,623 |
| Net operating income to assets | -0.3184% | 5,416 |
| Return on assets (ROA) | -0.3242% | 5,411 |
| Pretax return on assets | -0.3208% | 5,410 |
| Return on Equity (ROE) | -3.5260% | 5,419 |
| Retained earnings to average equity (ytd only) | -4.8125% | 5,281 |
| Net charge-offs to loans | 0.0109% | 2,758 |
| Credit loss provision to net charge-offs | 320.0000% | 962 |
| Earnings coverage of net charge-offs (x) | -83.6000% | 3,203 |
| Efficiency ratio | 99.4746% | 181 |
| Assets per employee ($millions) | 0.3848% | 5,519 |
| Cash dividends to net income (ytd only)* | -36.4857% | 5,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2545% | 5,440 |
| Loan loss allowance to noncurrent loans | 23.8530% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 3,244 |
| Noncurrent loans to loans | 1.0668% | 1,655 |
| Net loans and leases to total assets | 34.9905% | 5,206 |
| Net loans and leases to deposits | 47.6666% | 5,039 |
| Net loans and leases to core deposits | 47.6666% | 5,112 |
| Total domestic deposits to total assets | 73.4067% | 5,092 |
| Equity capital to assets | 9.4979% | 4,102 |
| Core capital (leverage) ratio | 9.1258% | 4,546 |
| Tier 1 risk-based capital ratio | 24.1681% | 818 |
| Total risk-based capital ratio | 24.4007% | 902 |
| Memoranda: | ||
| Average total assets | $1,102,327,330 | 693 |
| Average earning assets | $978,023,670 | 723 |
| Average equity | $101,361,330 | 843 |
| Average total loans | $366,525,670 | 1,347 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5402% | 5,527 |
| Cost of funding earning assets | 0.0387% | 5,567 |
| Net interest margin | 2.5015% | 5,395 |
| Noninterest income to average assets | 34.7184% | 28 |
| Noninterest expense to average assets | 37.7569% | 25 |
| Loan and lease loss provision to assets | 0.0140% | 3,346 |
| Net operating income to assets | -0.8487% | 5,526 |
| Return on assets (ROA) | -0.8494% | 5,525 |
| Pretax return on assets | -0.8462% | 5,525 |
| Return on Equity (ROE) | -9.3878% | 5,531 |
| Retained earnings to average equity (ytd only) | -11.4833% | 5,399 |
| Net charge-offs to loans | 0.0245% | 2,016 |
| Credit loss provision to net charge-offs | 177.2727% | 1,126 |
| Earnings coverage of net charge-offs (x) | -105.0455% | 2,717 |
| Efficiency ratio | 100.9012% | 170 |
| Assets per employee ($millions) | 0.3851% | 5,580 |
| Cash dividends to net income (ytd only)* | -22.3211% | 5,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2635% | 5,499 |
| Loan loss allowance to noncurrent loans | 21.3879% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 3,130 |
| Noncurrent loans to loans | 1.2319% | 1,475 |
| Net loans and leases to total assets | 33.3128% | 5,287 |
| Net loans and leases to deposits | 45.7175% | 5,106 |
| Net loans and leases to core deposits | 45.7175% | 5,171 |
| Total domestic deposits to total assets | 72.8666% | 5,226 |
| Equity capital to assets | 9.4146% | 4,166 |
| Core capital (leverage) ratio | 9.1607% | 4,491 |
| Tier 1 risk-based capital ratio | 24.5661% | 788 |
| Total risk-based capital ratio | 24.7985% | 869 |
| Memoranda: | ||
| Average total assets | $1,111,859,500 | 690 |
| Average earning assets | $981,006,000 | 724 |
| Average equity | $100,598,500 | 849 |
| Average total loans | $359,785,500 | 1,368 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4962% | 5,555 |
| Cost of funding earning assets | 0.0907% | 5,528 |
| Net interest margin | 2.4056% | 5,460 |
| Noninterest income to average assets | 33.5062% | 31 |
| Noninterest expense to average assets | 33.9768% | 29 |
| Loan and lease loss provision to assets | -0.0120% | 5,310 |
| Net operating income to assets | 1.6968% | 530 |
| Return on assets (ROA) | 1.7233% | 516 |
| Pretax return on assets | 1.7284% | 939 |
| Return on Equity (ROE) | 19.0583% | 235 |
| Retained earnings to average equity (ytd only) | 3.6809% | 3,031 |
| Net charge-offs to loans | 0.0042% | 3,951 |
| Credit loss provision to net charge-offs | -860.0000% | 5,042 |
| Earnings coverage of net charge-offs (x) | 1,210.4667% | 58 |
| Efficiency ratio | 94.4087% | 283 |
| Assets per employee ($millions) | 0.4305% | 5,643 |
| Cash dividends to net income (ytd only)* | 80.6859% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2544% | 5,567 |
| Loan loss allowance to noncurrent loans | 22.6837% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 3,410 |
| Noncurrent loans to loans | 1.1215% | 1,574 |
| Net loans and leases to total assets | 31.3160% | 5,407 |
| Net loans and leases to deposits | 38.5614% | 5,378 |
| Net loans and leases to core deposits | 38.5614% | 5,410 |
| Total domestic deposits to total assets | 81.2106% | 4,067 |
| Equity capital to assets | 8.7374% | 4,940 |
| Core capital (leverage) ratio | 8.9607% | 4,696 |
| Tier 1 risk-based capital ratio | 22.3154% | 983 |
| Total risk-based capital ratio | 22.5167% | 1,080 |
| Memoranda: | ||
| Average total assets | $1,074,405,200 | 689 |
| Average earning assets | $964,969,000 | 701 |
| Average equity | $97,149,400 | 849 |
| Average total loans | $358,238,200 | 1,355 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4929% | 5,616 |
| Cost of funding earning assets | 0.0931% | 5,579 |
| Net interest margin | 2.3998% | 5,526 |
| Noninterest income to average assets | 33.7671% | 34 |
| Noninterest expense to average assets | 33.9491% | 32 |
| Loan and lease loss provision to assets | 0.0281% | 3,568 |
| Net operating income to assets | 1.9642% | 336 |
| Return on assets (ROA) | 2.0002% | 321 |
| Pretax return on assets | 2.0048% | 541 |
| Return on Equity (ROE) | 21.9189% | 142 |
| Retained earnings to average equity (ytd only) | 4.0971% | 3,478 |
| Net charge-offs to loans | 0.0041% | 3,592 |
| Credit loss provision to net charge-offs | 2,018.1818% | 201 |
| Earnings coverage of net charge-offs (x) | 1,434.8200% | 66 |
| Efficiency ratio | 93.6409% | 297 |
| Assets per employee ($millions) | 0.4093% | 5,711 |
| Cash dividends to net income (ytd only)* | 81.3077% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3559% | 5,595 |
| Loan loss allowance to noncurrent loans | 42.6000% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 3,834 |
| Noncurrent loans to loans | 0.8354% | 2,274 |
| Net loans and leases to total assets | 33.5066% | 5,424 |
| Net loans and leases to deposits | 44.7592% | 5,294 |
| Net loans and leases to core deposits | 44.7592% | 5,350 |
| Total domestic deposits to total assets | 74.8598% | 5,141 |
| Equity capital to assets | 9.2068% | 4,720 |
| Core capital (leverage) ratio | 9.0295% | 4,707 |
| Tier 1 risk-based capital ratio | 25.8804% | 687 |
| Total risk-based capital ratio | 26.2065% | 744 |
| Memoranda: | ||
| Average total assets | $1,054,109,250 | 707 |
| Average earning assets | $957,048,000 | 714 |
| Average equity | $96,194,750 | 857 |
| Average total loans | $357,096,000 | 1,370 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5294% | 5,650 |
| Cost of funding earning assets | 0.0968% | 5,609 |
| Net interest margin | 2.4327% | 5,547 |
| Noninterest income to average assets | 33.5043% | 34 |
| Noninterest expense to average assets | 33.7778% | 32 |
| Loan and lease loss provision to assets | 0.0055% | 3,804 |
| Net operating income to assets | 1.9204% | 359 |
| Return on assets (ROA) | 1.9747% | 327 |
| Pretax return on assets | 1.9785% | 550 |
| Return on Equity (ROE) | 21.7041% | 149 |
| Retained earnings to average equity (ytd only) | 6.7592% | 1,712 |
| Net charge-offs to loans | 0.0107% | 3,080 |
| Credit loss provision to net charge-offs | 152.6316% | 1,504 |
| Earnings coverage of net charge-offs (x) | 532.9474% | 157 |
| Efficiency ratio | 93.8406% | 314 |
| Assets per employee ($millions) | 0.4191% | 5,759 |
| Cash dividends to net income (ytd only)* | 68.8574% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2994% | 5,667 |
| Loan loss allowance to noncurrent loans | 36.6576% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 3,951 |
| Noncurrent loans to loans | 0.8167% | 2,362 |
| Net loans and leases to total assets | 33.9227% | 5,449 |
| Net loans and leases to deposits | 46.3838% | 5,272 |
| Net loans and leases to core deposits | 46.3838% | 5,331 |
| Total domestic deposits to total assets | 73.1349% | 5,375 |
| Equity capital to assets | 9.2671% | 4,657 |
| Core capital (leverage) ratio | 9.0920% | 4,625 |
| Tier 1 risk-based capital ratio | 26.3660% | 649 |
| Total risk-based capital ratio | 26.6458% | 698 |
| Memoranda: | ||
| Average total assets | $1,049,488,670 | 710 |
| Average earning assets | $950,486,000 | 720 |
| Average equity | $95,484,330 | 862 |
| Average total loans | $356,421,670 | 1,373 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5372% | 5,710 |
| Cost of funding earning assets | 0.1032% | 5,639 |
| Net interest margin | 2.4340% | 5,593 |
| Noninterest income to average assets | 33.3102% | 33 |
| Noninterest expense to average assets | 33.5355% | 32 |
| Loan and lease loss provision to assets | 0.0379% | 3,043 |
| Net operating income to assets | 1.9236% | 350 |
| Return on assets (ROA) | 2.0334% | 294 |
| Pretax return on assets | 2.0387% | 471 |
| Return on Equity (ROE) | 22.5610% | 135 |
| Retained earnings to average equity (ytd only) | 0.9126% | 4,689 |
| Net charge-offs to loans | 0.0237% | 2,287 |
| Credit loss provision to net charge-offs | 471.4286% | 587 |
| Earnings coverage of net charge-offs (x) | 244.8095% | 239 |
| Efficiency ratio | 93.7898% | 392 |
| Assets per employee ($millions) | 0.4047% | 5,829 |
| Cash dividends to net income (ytd only)* | 95.9548% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3203% | 5,732 |
| Loan loss allowance to noncurrent loans | 37.8763% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 3,861 |
| Noncurrent loans to loans | 0.8456% | 2,343 |
| Net loans and leases to total assets | 35.5766% | 5,421 |
| Net loans and leases to deposits | 49.8121% | 5,144 |
| Net loans and leases to core deposits | 49.8818% | 5,225 |
| Total domestic deposits to total assets | 71.4218% | 5,575 |
| Equity capital to assets | 9.4661% | 4,314 |
| Core capital (leverage) ratio | 9.1963% | 4,484 |
| Tier 1 risk-based capital ratio | 26.3721% | 664 |
| Total risk-based capital ratio | 26.6805% | 719 |
| Memoranda: | ||
| Average total assets | $1,045,553,500 | 716 |
| Average earning assets | $941,667,500 | 730 |
| Average equity | $94,233,500 | 867 |
| Average total loans | $354,751,500 | 1,383 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4886% | 5,761 |
| Cost of funding earning assets | 0.1379% | 5,501 |
| Net interest margin | 2.3507% | 5,681 |
| Noninterest income to average assets | 29.8852% | 34 |
| Noninterest expense to average assets | 29.1335% | 33 |
| Loan and lease loss provision to assets | 0.0253% | 3,850 |
| Net operating income to assets | 2.8655% | 89 |
| Return on assets (ROA) | 2.8572% | 93 |
| Pretax return on assets | 2.8607% | 128 |
| Return on Equity (ROE) | 32.7012% | 26 |
| Retained earnings to average equity (ytd only) | 11.7527% | 237 |
| Net charge-offs to loans | 0.0322% | 3,379 |
| Credit loss provision to net charge-offs | 281.3187% | 1,039 |
| Earnings coverage of net charge-offs (x) | 321.1978% | 241 |
| Efficiency ratio | 90.3079% | 535 |
| Assets per employee ($millions) | 0.4706% | 5,885 |
| Cash dividends to net income (ytd only)* | 64.0604% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3031% | 5,797 |
| Loan loss allowance to noncurrent loans | 35.2727% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 3,996 |
| Noncurrent loans to loans | 0.8594% | 2,381 |
| Net loans and leases to total assets | 32.2122% | 5,592 |
| Net loans and leases to deposits | 40.1821% | 5,549 |
| Net loans and leases to core deposits | 40.4135% | 5,588 |
| Total domestic deposits to total assets | 80.1655% | 4,537 |
| Equity capital to assets | 8.5960% | 5,194 |
| Core capital (leverage) ratio | 8.6170% | 5,156 |
| Tier 1 risk-based capital ratio | 22.6912% | 999 |
| Total risk-based capital ratio | 22.9395% | 1,097 |
| Memoranda: | ||
| Average total assets | $1,009,872,000 | 717 |
| Average earning assets | $920,482,200 | 719 |
| Average equity | $88,235,400 | 902 |
| Average total loans | $282,373,000 | 1,609 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4963% | 5,827 |
| Cost of funding earning assets | 0.3459% | 3,578 |
| Net interest margin | 2.1504% | 5,840 |
| Noninterest income to average assets | 29.0810% | 34 |
| Noninterest expense to average assets | 28.3447% | 32 |
| Loan and lease loss provision to assets | 0.0307% | 3,620 |
| Net operating income to assets | 2.6801% | 124 |
| Return on assets (ROA) | 2.6710% | 128 |
| Pretax return on assets | 2.6746% | 172 |
| Return on Equity (ROE) | 30.4345% | 35 |
| Retained earnings to average equity (ytd only) | 15.5165% | 121 |
| Net charge-offs to loans | 0.0282% | 3,098 |
| Credit loss provision to net charge-offs | 407.1429% | 830 |
| Earnings coverage of net charge-offs (x) | 359.9338% | 246 |
| Efficiency ratio | 90.5765% | 537 |
| Assets per employee ($millions) | 0.4883% | 5,952 |
| Cash dividends to net income (ytd only)* | 49.0167% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3408% | 5,837 |
| Loan loss allowance to noncurrent loans | 31.7751% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 3,964 |
| Noncurrent loans to loans | 1.0726% | 2,106 |
| Net loans and leases to total assets | 29.9267% | 5,714 |
| Net loans and leases to deposits | 39.3177% | 5,650 |
| Net loans and leases to core deposits | 39.5653% | 5,691 |
| Total domestic deposits to total assets | 76.1151% | 5,227 |
| Equity capital to assets | 8.7738% | 5,338 |
| Core capital (leverage) ratio | 8.6891% | 5,162 |
| Tier 1 risk-based capital ratio | 26.3972% | 685 |
| Total risk-based capital ratio | 26.6893% | 748 |
| Memoranda: | ||
| Average total assets | $989,974,000 | 734 |
| Average earning assets | $910,709,000 | 730 |
| Average equity | $86,881,750 | 918 |
| Average total loans | $264,964,500 | 1,705 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4803% | 5,908 |
| Cost of funding earning assets | 0.3784% | 3,267 |
| Net interest margin | 2.1019% | 5,933 |
| Noninterest income to average assets | 28.0734% | 33 |
| Noninterest expense to average assets | 27.5910% | 31 |
| Loan and lease loss provision to assets | 0.0437% | 3,274 |
| Net operating income to assets | 2.3648% | 182 |
| Return on assets (ROA) | 2.3507% | 197 |
| Pretax return on assets | 2.3542% | 280 |
| Return on Equity (ROE) | 26.7829% | 68 |
| Retained earnings to average equity (ytd only) | 15.9974% | 120 |
| Net charge-offs to loans | 0.0306% | 2,859 |
| Credit loss provision to net charge-offs | 557.8947% | 607 |
| Earnings coverage of net charge-offs (x) | 307.8947% | 218 |
| Efficiency ratio | 91.2347% | 533 |
| Assets per employee ($millions) | 0.4993% | 6,028 |
| Cash dividends to net income (ytd only)* | 40.2701% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3913% | 5,888 |
| Loan loss allowance to noncurrent loans | 32.2639% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3533% | 4,074 |
| Noncurrent loans to loans | 1.2127% | 1,899 |
| Net loans and leases to total assets | 26.4405% | 5,862 |
| Net loans and leases to deposits | 34.6326% | 5,810 |
| Net loans and leases to core deposits | 34.8530% | 5,834 |
| Total domestic deposits to total assets | 76.3455% | 5,246 |
| Equity capital to assets | 8.5049% | 5,594 |
| Core capital (leverage) ratio | 9.0997% | 4,720 |
| Tier 1 risk-based capital ratio | 26.8705% | 662 |
| Total risk-based capital ratio | 27.1796% | 710 |
| Memoranda: | ||
| Average total assets | $970,162,670 | 747 |
| Average earning assets | $890,623,000 | 746 |
| Average equity | $85,151,330 | 933 |
| Average total loans | $248,243,670 | 1,807 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5564% | 5,948 |
| Cost of funding earning assets | 0.4250% | 2,813 |
| Net interest margin | 2.1314% | 5,981 |
| Noninterest income to average assets | 27.5995% | 33 |
| Noninterest expense to average assets | 26.9507% | 30 |
| Loan and lease loss provision to assets | 0.0427% | 3,066 |
| Net operating income to assets | 2.5454% | 147 |
| Return on assets (ROA) | 2.5322% | 152 |
| Pretax return on assets | 2.5364% | 224 |
| Return on Equity (ROE) | 28.3640% | 63 |
| Retained earnings to average equity (ytd only) | 16.2257% | 187 |
| Net charge-offs to loans | 0.0102% | 2,783 |
| Credit loss provision to net charge-offs | 1,666.6667% | 245 |
| Earnings coverage of net charge-offs (x) | 1,012.3333% | 44 |
| Efficiency ratio | 90.4841% | 643 |
| Assets per employee ($millions) | 0.4989% | 6,089 |
| Cash dividends to net income (ytd only)* | 42.7945% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4002% | 5,952 |
| Loan loss allowance to noncurrent loans | 28.5878% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 3,871 |
| Noncurrent loans to loans | 1.3999% | 1,705 |
| Net loans and leases to total assets | 26.1226% | 5,913 |
| Net loans and leases to deposits | 34.7494% | 5,855 |
| Net loans and leases to core deposits | 35.7975% | 5,863 |
| Total domestic deposits to total assets | 75.1742% | 5,501 |
| Equity capital to assets | 8.9344% | 5,237 |
| Core capital (leverage) ratio | 9.4189% | 4,327 |
| Tier 1 risk-based capital ratio | 27.7226% | 629 |
| Total risk-based capital ratio | 28.0300% | 675 |
| Memoranda: | ||
| Average total assets | $937,221,500 | 772 |
| Average earning assets | $854,650,500 | 777 |
| Average equity | $83,669,500 | 949 |
| Average total loans | $234,860,000 | 1,882 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4693% | 6,003 |
| Cost of funding earning assets | 0.4240% | 2,904 |
| Net interest margin | 2.0453% | 6,039 |
| Noninterest income to average assets | 24.8626% | 36 |
| Noninterest expense to average assets | 23.2911% | 33 |
| Loan and lease loss provision to assets | 0.0589% | 3,135 |
| Net operating income to assets | 3.3895% | 73 |
| Return on assets (ROA) | 3.3656% | 73 |
| Pretax return on assets | 3.3682% | 95 |
| Return on Equity (ROE) | 37.7300% | 31 |
| Retained earnings to average equity (ytd only) | 10.2468% | 431 |
| Net charge-offs to loans | 0.2297% | 1,294 |
| Credit loss provision to net charge-offs | 117.5000% | 2,190 |
| Earnings coverage of net charge-offs (x) | 68.8864% | 780 |
| Efficiency ratio | 86.4434% | 964 |
| Assets per employee ($millions) | 0.5536% | 6,144 |
| Cash dividends to net income (ytd only)* | 72.8417% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4084% | 5,987 |
| Loan loss allowance to noncurrent loans | 18.7215% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 3,439 |
| Noncurrent loans to loans | 2.1816% | 919 |
| Net loans and leases to total assets | 23.7639% | 6,006 |
| Net loans and leases to deposits | 29.9122% | 5,990 |
| Net loans and leases to core deposits | 31.1794% | 5,993 |
| Total domestic deposits to total assets | 79.4454% | 4,878 |
| Equity capital to assets | 8.9202% | 5,199 |
| Core capital (leverage) ratio | 9.1432% | 4,696 |
| Tier 1 risk-based capital ratio | 26.4333% | 714 |
| Total risk-based capital ratio | 26.7098% | 758 |
| Memoranda: | ||
| Average total assets | $878,291,400 | 783 |
| Average earning assets | $807,127,200 | 777 |
| Average equity | $78,346,200 | 971 |
| Average total loans | $191,544,200 | 2,144 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5060% | 6,090 |
| Cost of funding earning assets | 0.4309% | 2,895 |
| Net interest margin | 2.0751% | 6,112 |
| Noninterest income to average assets | 24.3161% | 37 |
| Noninterest expense to average assets | 22.5274% | 36 |
| Loan and lease loss provision to assets | 0.0597% | 2,991 |
| Net operating income to assets | 3.6421% | 60 |
| Return on assets (ROA) | 3.6215% | 60 |
| Pretax return on assets | 3.6239% | 86 |
| Return on Equity (ROE) | 40.5980% | 23 |
| Retained earnings to average equity (ytd only) | 12.3217% | 331 |
| Net charge-offs to loans | 0.2323% | 1,133 |
| Credit loss provision to net charge-offs | 120.8723% | 1,969 |
| Earnings coverage of net charge-offs (x) | 74.9936% | 778 |
| Efficiency ratio | 85.2223% | 1,065 |
| Assets per employee ($millions) | 0.5749% | 6,234 |
| Cash dividends to net income (ytd only)* | 69.6494% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4278% | 6,072 |
| Loan loss allowance to noncurrent loans | 20.9981% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 3,481 |
| Noncurrent loans to loans | 2.0372% | 1,135 |
| Net loans and leases to total assets | 24.3223% | 6,085 |
| Net loans and leases to deposits | 32.1313% | 6,048 |
| Net loans and leases to core deposits | 33.6893% | 6,052 |
| Total domestic deposits to total assets | 75.6966% | 5,538 |
| Equity capital to assets | 9.4954% | 4,756 |
| Core capital (leverage) ratio | 9.0924% | 4,894 |
| Tier 1 risk-based capital ratio | 29.5375% | 550 |
| Total risk-based capital ratio | 29.8468% | 581 |
| Memoranda: | ||
| Average total assets | $866,477,250 | 799 |
| Average earning assets | $799,860,500 | 789 |
| Average equity | $77,292,500 | 992 |
| Average total loans | $184,218,250 | 2,213 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5268% | 6,152 |
| Cost of funding earning assets | 0.4334% | 2,909 |
| Net interest margin | 2.0934% | 6,177 |
| Noninterest income to average assets | 23.6271% | 39 |
| Noninterest expense to average assets | 21.7620% | 37 |
| Loan and lease loss provision to assets | 0.0328% | 3,463 |
| Net operating income to assets | 3.7630% | 65 |
| Return on assets (ROA) | 3.7428% | 66 |
| Pretax return on assets | 3.7437% | 89 |
| Return on Equity (ROE) | 42.8607% | 25 |
| Retained earnings to average equity (ytd only) | 13.6407% | 259 |
| Net charge-offs to loans | 0.1329% | 1,704 |
| Credit loss provision to net charge-offs | 122.2222% | 1,774 |
| Earnings coverage of net charge-offs (x) | 141.2821% | 449 |
| Efficiency ratio | 84.4998% | 1,209 |
| Assets per employee ($millions) | 0.6392% | 6,311 |
| Cash dividends to net income (ytd only)* | 68.1743% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4501% | 6,132 |
| Loan loss allowance to noncurrent loans | 17.3922% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 3,545 |
| Noncurrent loans to loans | 2.5878% | 852 |
| Net loans and leases to total assets | 20.7815% | 6,198 |
| Net loans and leases to deposits | 26.7258% | 6,186 |
| Net loans and leases to core deposits | 27.9121% | 6,181 |
| Total domestic deposits to total assets | 77.7584% | 5,320 |
| Equity capital to assets | 8.7859% | 5,442 |
| Core capital (leverage) ratio | 9.1990% | 4,694 |
| Tier 1 risk-based capital ratio | 29.0673% | 582 |
| Total risk-based capital ratio | 29.3650% | 628 |
| Memoranda: | ||
| Average total assets | $870,746,330 | 801 |
| Average earning assets | $803,471,000 | 785 |
| Average equity | $76,037,000 | 1,011 |
| Average total loans | $176,116,330 | 2,300 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6273% | 6,170 |
| Cost of funding earning assets | 0.4557% | 2,713 |
| Net interest margin | 2.1715% | 6,221 |
| Noninterest income to average assets | 22.9868% | 38 |
| Noninterest expense to average assets | 21.1374% | 37 |
| Loan and lease loss provision to assets | 0.0323% | 3,242 |
| Net operating income to assets | 3.8095% | 64 |
| Return on assets (ROA) | 3.7921% | 67 |
| Pretax return on assets | 3.7945% | 92 |
| Return on Equity (ROE) | 43.5680% | 29 |
| Retained earnings to average equity (ytd only) | 8.2030% | 1,494 |
| Net charge-offs to loans | 0.1179% | 1,570 |
| Credit loss provision to net charge-offs | 138.0000% | 1,322 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 333 |
| Efficiency ratio | 83.9833% | 1,384 |
| Assets per employee ($millions) | 0.6122% | 6,382 |
| Cash dividends to net income (ytd only)* | 81.1720% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4911% | 6,175 |
| Loan loss allowance to noncurrent loans | 16.3534% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 3,383 |
| Noncurrent loans to loans | 3.0028% | 721 |
| Net loans and leases to total assets | 20.2732% | 6,265 |
| Net loans and leases to deposits | 26.1273% | 6,246 |
| Net loans and leases to core deposits | 27.8701% | 6,236 |
| Total domestic deposits to total assets | 77.5942% | 5,520 |
| Equity capital to assets | 8.8780% | 5,416 |
| Core capital (leverage) ratio | 8.6853% | 5,338 |
| Tier 1 risk-based capital ratio | 27.9707% | 651 |
| Total risk-based capital ratio | 28.2710% | 697 |
| Memoranda: | ||
| Average total assets | $853,236,500 | 821 |
| Average earning assets | $783,773,500 | 816 |
| Average equity | $74,265,500 | 1,038 |
| Average total loans | $169,633,000 | 2,370 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5873% | 6,302 |
| Cost of funding earning assets | 0.4329% | 3,357 |
| Net interest margin | 2.1544% | 6,326 |
| Noninterest income to average assets | 19.0259% | 44 |
| Noninterest expense to average assets | 18.5627% | 39 |
| Loan and lease loss provision to assets | 0.0564% | 3,420 |
| Net operating income to assets | 2.3919% | 170 |
| Return on assets (ROA) | 2.4453% | 162 |
| Pretax return on assets | 2.4468% | 210 |
| Return on Equity (ROE) | 30.2971% | 56 |
| Retained earnings to average equity (ytd only) | 13.6253% | 197 |
| Net charge-offs to loans | 0.3714% | 1,167 |
| Credit loss provision to net charge-offs | 93.3594% | 2,572 |
| Earnings coverage of net charge-offs (x) | 40.5352% | 1,075 |
| Efficiency ratio | 87.6773% | 1,020 |
| Assets per employee ($millions) | 0.6987% | 6,465 |
| Cash dividends to net income (ytd only)* | 55.0278% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4928% | 6,264 |
| Loan loss allowance to noncurrent loans | 17.1162% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6887% | 3,512 |
| Noncurrent loans to loans | 2.8794% | 797 |
| Net loans and leases to total assets | 19.3512% | 6,374 |
| Net loans and leases to deposits | 23.2349% | 6,378 |
| Net loans and leases to core deposits | 24.6056% | 6,363 |
| Total domestic deposits to total assets | 83.2847% | 3,983 |
| Equity capital to assets | 8.5545% | 5,695 |
| Core capital (leverage) ratio | 8.8942% | 5,130 |
| Tier 1 risk-based capital ratio | 27.4760% | 648 |
| Total risk-based capital ratio | 27.7712% | 704 |
| Memoranda: | ||
| Average total assets | $847,135,800 | 795 |
| Average earning assets | $781,195,400 | 782 |
| Average equity | $68,372,800 | 1,079 |
| Average total loans | $137,845,000 | 2,740 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5800% | 6,384 |
| Cost of funding earning assets | 0.4596% | 3,152 |
| Net interest margin | 2.1204% | 6,418 |
| Noninterest income to average assets | 18.1534% | 43 |
| Noninterest expense to average assets | 17.8371% | 42 |
| Loan and lease loss provision to assets | 0.0400% | 3,610 |
| Net operating income to assets | 2.2331% | 222 |
| Return on assets (ROA) | 2.2000% | 243 |
| Pretax return on assets | 2.2014% | 367 |
| Return on Equity (ROE) | 27.6811% | 72 |
| Retained earnings to average equity (ytd only) | 14.2104% | 239 |
| Net charge-offs to loans | 0.4252% | 935 |
| Credit loss provision to net charge-offs | 60.8173% | 2,923 |
| Earnings coverage of net charge-offs (x) | 34.5987% | 1,247 |
| Efficiency ratio | 88.0056% | 1,001 |
| Assets per employee ($millions) | 0.7584% | 6,543 |
| Cash dividends to net income (ytd only)* | 48.6640% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4566% | 6,375 |
| Loan loss allowance to noncurrent loans | 14.3298% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 0.6687% | 3,832 |
| Noncurrent loans to loans | 3.1865% | 800 |
| Net loans and leases to total assets | 17.6578% | 6,477 |
| Net loans and leases to deposits | 21.9688% | 6,473 |
| Net loans and leases to core deposits | 23.3170% | 6,460 |
| Total domestic deposits to total assets | 80.3770% | 4,991 |
| Equity capital to assets | 8.3401% | 5,912 |
| Core capital (leverage) ratio | 8.6361% | 5,521 |
| Tier 1 risk-based capital ratio | 27.7743% | 657 |
| Total risk-based capital ratio | 28.0340% | 706 |
| Memoranda: | ||
| Average total assets | $843,727,250 | 803 |
| Average earning assets | $779,144,000 | 788 |
| Average equity | $67,057,250 | 1,099 |
| Average total loans | $130,457,750 | 2,868 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5926% | 6,444 |
| Cost of funding earning assets | 0.4456% | 3,376 |
| Net interest margin | 2.1469% | 6,476 |
| Noninterest income to average assets | 17.2133% | 45 |
| Noninterest expense to average assets | 17.2565% | 39 |
| Loan and lease loss provision to assets | 0.0348% | 3,593 |
| Net operating income to assets | 1.9021% | 408 |
| Return on assets (ROA) | 1.8716% | 448 |
| Pretax return on assets | 1.8737% | 722 |
| Return on Equity (ROE) | 23.9523% | 140 |
| Retained earnings to average equity (ytd only) | 14.1143% | 259 |
| Net charge-offs to loans | 0.5863% | 689 |
| Credit loss provision to net charge-offs | 40.4432% | 2,922 |
| Earnings coverage of net charge-offs (x) | 22.5208% | 1,506 |
| Efficiency ratio | 89.1951% | 974 |
| Assets per employee ($millions) | 0.8224% | 6,610 |
| Cash dividends to net income (ytd only)* | 41.0730% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4910% | 6,422 |
| Loan loss allowance to noncurrent loans | 12.2971% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 3,935 |
| Noncurrent loans to loans | 3.9930% | 593 |
| Net loans and leases to total assets | 14.6664% | 6,564 |
| Net loans and leases to deposits | 17.8004% | 6,567 |
| Net loans and leases to core deposits | 18.8258% | 6,559 |
| Total domestic deposits to total assets | 82.3936% | 4,508 |
| Equity capital to assets | 7.6681% | 6,305 |
| Core capital (leverage) ratio | 8.0424% | 6,065 |
| Tier 1 risk-based capital ratio | 27.8083% | 655 |
| Total risk-based capital ratio | 28.0577% | 701 |
| Memoranda: | ||
| Average total assets | $838,549,000 | 807 |
| Average earning assets | $774,215,000 | 793 |
| Average equity | $65,522,000 | 1,115 |
| Average total loans | $123,136,000 | 3,008 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6283% | 6,504 |
| Cost of funding earning assets | 0.4407% | 3,527 |
| Net interest margin | 2.1876% | 6,532 |
| Noninterest income to average assets | 17.1994% | 46 |
| Noninterest expense to average assets | 17.5645% | 39 |
| Loan and lease loss provision to assets | 0.0467% | 3,161 |
| Net operating income to assets | 1.6046% | 665 |
| Return on assets (ROA) | 1.5515% | 762 |
| Pretax return on assets | 1.5549% | 1,278 |
| Return on Equity (ROE) | 19.6556% | 317 |
| Retained earnings to average equity (ytd only) | 7.9670% | 1,608 |
| Net charge-offs to loans | 0.7186% | 490 |
| Credit loss provision to net charge-offs | 44.3925% | 2,262 |
| Earnings coverage of net charge-offs (x) | 15.7150% | 1,537 |
| Efficiency ratio | 90.7189% | 970 |
| Assets per employee ($millions) | 0.7398% | 6,684 |
| Cash dividends to net income (ytd only)* | 59.4672% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6070% | 6,399 |
| Loan loss allowance to noncurrent loans | 15.3146% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 4,144 |
| Noncurrent loans to loans | 3.9639% | 685 |
| Net loans and leases to total assets | 14.3164% | 6,640 |
| Net loans and leases to deposits | 17.5896% | 6,637 |
| Net loans and leases to core deposits | 18.9961% | 6,628 |
| Total domestic deposits to total assets | 81.3912% | 5,125 |
| Equity capital to assets | 7.6672% | 6,244 |
| Core capital (leverage) ratio | 8.0228% | 6,099 |
| Tier 1 risk-based capital ratio | 27.1052% | 707 |
| Total risk-based capital ratio | 27.3995% | 767 |
| Memoranda: | ||
| Average total assets | $812,888,500 | 844 |
| Average earning assets | $750,593,500 | 830 |
| Average equity | $64,165,000 | 1,140 |
| Average total loans | $119,126,000 | 3,090 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6740% | 6,558 |
| Cost of funding earning assets | 0.5450% | 3,155 |
| Net interest margin | 2.1290% | 6,607 |
| Noninterest income to average assets | 16.9766% | 44 |
| Noninterest expense to average assets | 16.9041% | 45 |
| Loan and lease loss provision to assets | 0.0437% | 4,244 |
| Net operating income to assets | 1.9812% | 353 |
| Return on assets (ROA) | 1.9270% | 383 |
| Pretax return on assets | 1.9288% | 568 |
| Return on Equity (ROE) | 24.1383% | 145 |
| Retained earnings to average equity (ytd only) | 10.6848% | 468 |
| Net charge-offs to loans | 0.2702% | 2,348 |
| Credit loss provision to net charge-offs | 126.2745% | 1,871 |
| Earnings coverage of net charge-offs (x) | 58.5059% | 699 |
| Efficiency ratio | 88.8353% | 1,125 |
| Assets per employee ($millions) | 0.7251% | 6,765 |
| Cash dividends to net income (ytd only)* | 55.7349% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7383% | 6,297 |
| Loan loss allowance to noncurrent loans | 15.8956% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8072% | 3,865 |
| Noncurrent loans to loans | 4.6446% | 563 |
| Net loans and leases to total assets | 14.8168% | 6,722 |
| Net loans and leases to deposits | 18.2258% | 6,720 |
| Net loans and leases to core deposits | 19.9689% | 6,701 |
| Total domestic deposits to total assets | 81.2958% | 5,098 |
| Equity capital to assets | 8.1392% | 5,908 |
| Core capital (leverage) ratio | 8.5404% | 5,619 |
| Tier 1 risk-based capital ratio | 27.3525% | 650 |
| Total risk-based capital ratio | 27.7039% | 716 |
| Memoranda: | ||
| Average total assets | $736,101,600 | 902 |
| Average earning assets | $675,656,000 | 897 |
| Average equity | $58,765,600 | 1,224 |
| Average total loans | $94,373,600 | 3,591 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6842% | 6,627 |
| Cost of funding earning assets | 0.5822% | 2,977 |
| Net interest margin | 2.1020% | 6,694 |
| Noninterest income to average assets | 16.5446% | 46 |
| Noninterest expense to average assets | 16.5805% | 45 |
| Loan and lease loss provision to assets | 0.0399% | 4,212 |
| Net operating income to assets | 1.8487% | 482 |
| Return on assets (ROA) | 1.7897% | 557 |
| Pretax return on assets | 1.7922% | 921 |
| Return on Equity (ROE) | 22.5355% | 188 |
| Retained earnings to average equity (ytd only) | 10.7157% | 637 |
| Net charge-offs to loans | 0.3165% | 1,958 |
| Credit loss provision to net charge-offs | 102.8436% | 2,280 |
| Earnings coverage of net charge-offs (x) | 48.7529% | 881 |
| Efficiency ratio | 89.3698% | 1,046 |
| Assets per employee ($millions) | 0.7847% | 6,845 |
| Cash dividends to net income (ytd only)* | 52.4499% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7377% | 6,391 |
| Loan loss allowance to noncurrent loans | 13.8182% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 0.9455% | 3,779 |
| Noncurrent loans to loans | 5.3389% | 530 |
| Net loans and leases to total assets | 14.5415% | 6,805 |
| Net loans and leases to deposits | 18.0325% | 6,800 |
| Net loans and leases to core deposits | 19.8792% | 6,792 |
| Total domestic deposits to total assets | 80.6407% | 5,322 |
| Equity capital to assets | 8.2532% | 5,954 |
| Core capital (leverage) ratio | 8.7983% | 5,418 |
| Tier 1 risk-based capital ratio | 27.1087% | 693 |
| Total risk-based capital ratio | 27.4397% | 762 |
| Memoranda: | ||
| Average total assets | $725,260,250 | 921 |
| Average earning assets | $664,862,250 | 913 |
| Average equity | $57,596,500 | 1,257 |
| Average total loans | $88,879,250 | 3,744 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6808% | 6,668 |
| Cost of funding earning assets | 0.6119% | 2,828 |
| Net interest margin | 2.0688% | 6,739 |
| Noninterest income to average assets | 16.4705% | 46 |
| Noninterest expense to average assets | 16.4460% | 45 |
| Loan and lease loss provision to assets | 0.0375% | 4,199 |
| Net operating income to assets | 1.8838% | 436 |
| Return on assets (ROA) | 1.7947% | 568 |
| Pretax return on assets | 1.7972% | 935 |
| Return on Equity (ROE) | 22.9063% | 178 |
| Retained earnings to average equity (ytd only) | 13.1793% | 362 |
| Net charge-offs to loans | 0.3833% | 1,686 |
| Credit loss provision to net charge-offs | 85.4430% | 2,530 |
| Earnings coverage of net charge-offs (x) | 43.8861% | 868 |
| Efficiency ratio | 89.1925% | 1,114 |
| Assets per employee ($millions) | 0.8950% | 6,883 |
| Cash dividends to net income (ytd only)* | 42.4641% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 6,362 |
| Loan loss allowance to noncurrent loans | 11.6568% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 0.9599% | 3,863 |
| Noncurrent loans to loans | 6.8328% | 366 |
| Net loans and leases to total assets | 12.1467% | 6,867 |
| Net loans and leases to deposits | 15.7728% | 6,866 |
| Net loans and leases to core deposits | 17.5122% | 6,856 |
| Total domestic deposits to total assets | 77.0105% | 6,124 |
| Equity capital to assets | 7.5356% | 6,427 |
| Core capital (leverage) ratio | 8.0799% | 6,121 |
| Tier 1 risk-based capital ratio | 27.6353% | 654 |
| Total risk-based capital ratio | 27.9669% | 706 |
| Memoranda: | ||
| Average total assets | $720,891,000 | 925 |
| Average earning assets | $661,820,670 | 917 |
| Average equity | $56,482,330 | 1,277 |
| Average total loans | $82,449,670 | 3,916 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8661% | 6,639 |
| Cost of funding earning assets | 0.6322% | 2,829 |
| Net interest margin | 2.2339% | 6,736 |
| Noninterest income to average assets | 17.1947% | 45 |
| Noninterest expense to average assets | 16.5013% | 48 |
| Loan and lease loss provision to assets | 0.0361% | 3,988 |
| Net operating income to assets | 2.6996% | 130 |
| Return on assets (ROA) | 2.5319% | 165 |
| Pretax return on assets | 2.5366% | 256 |
| Return on Equity (ROE) | 31.6213% | 64 |
| Retained earnings to average equity (ytd only) | 18.2646% | 189 |
| Net charge-offs to loans | 0.2653% | 1,898 |
| Credit loss provision to net charge-offs | 124.0000% | 1,569 |
| Earnings coverage of net charge-offs (x) | 94.1400% | 407 |
| Efficiency ratio | 85.5133% | 1,580 |
| Assets per employee ($millions) | 0.7854% | 6,968 |
| Cash dividends to net income (ytd only)* | 42.2396% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 6,142 |
| Loan loss allowance to noncurrent loans | 11.1729% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 1.1335% | 3,676 |
| Noncurrent loans to loans | 8.4770% | 299 |
| Net loans and leases to total assets | 12.1108% | 6,946 |
| Net loans and leases to deposits | 15.6139% | 6,940 |
| Net loans and leases to core deposits | 17.5832% | 6,925 |
| Total domestic deposits to total assets | 77.5644% | 6,177 |
| Equity capital to assets | 8.1850% | 6,262 |
| Core capital (leverage) ratio | 8.9360% | 4,994 |
| Tier 1 risk-based capital ratio | 28.4985% | 612 |
| Total risk-based capital ratio | 28.8650% | 650 |
| Memoranda: | ||
| Average total assets | $687,073,500 | 980 |
| Average earning assets | $629,577,000 | 986 |
| Average equity | $55,013,500 | 1,324 |
| Average total loans | $75,400,000 | 4,152 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3415% | 6,548 |
| Cost of funding earning assets | 0.8432% | 2,343 |
| Net interest margin | 2.4983% | 6,714 |
| Noninterest income to average assets | 14.6481% | 54 |
| Noninterest expense to average assets | 14.5193% | 55 |
| Loan and lease loss provision to assets | 0.1924% | 3,231 |
| Net operating income to assets | 2.1738% | 267 |
| Return on assets (ROA) | 1.8479% | 528 |
| Pretax return on assets | 1.8490% | 829 |
| Return on Equity (ROE) | 25.0703% | 125 |
| Retained earnings to average equity (ytd only) | 10.4118% | 523 |
| Net charge-offs to loans | 1.4978% | 596 |
| Credit loss provision to net charge-offs | 141.8060% | 1,933 |
| Earnings coverage of net charge-offs (x) | 17.4515% | 1,505 |
| Efficiency ratio | 85.8609% | 1,443 |
| Assets per employee ($millions) | 0.8509% | 7,027 |
| Cash dividends to net income (ytd only)* | 58.4697% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 5,107 |
| Loan loss allowance to noncurrent loans | 11.2404% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 1.2310% | 3,593 |
| Noncurrent loans to loans | 10.6902% | 198 |
| Net loans and leases to total assets | 9.5784% | 7,018 |
| Net loans and leases to deposits | 12.1321% | 7,016 |
| Net loans and leases to core deposits | 13.6679% | 7,002 |
| Total domestic deposits to total assets | 78.9510% | 5,902 |
| Equity capital to assets | 7.8251% | 6,489 |
| Core capital (leverage) ratio | 8.7170% | 5,299 |
| Tier 1 risk-based capital ratio | 27.6107% | 650 |
| Total risk-based capital ratio | 27.9765% | 705 |
| Memoranda: | ||
| Average total assets | $661,292,200 | 995 |
| Average earning assets | $592,494,600 | 1,021 |
| Average equity | $48,743,000 | 1,444 |
| Average total loans | $59,888,800 | 4,717 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4349% | 6,582 |
| Cost of funding earning assets | 0.7965% | 2,977 |
| Net interest margin | 2.6383% | 6,717 |
| Noninterest income to average assets | 13.9439% | 56 |
| Noninterest expense to average assets | 13.9973% | 57 |
| Loan and lease loss provision to assets | 0.2258% | 2,802 |
| Net operating income to assets | 2.0678% | 347 |
| Return on assets (ROA) | 1.7287% | 717 |
| Pretax return on assets | 1.7336% | 1,196 |
| Return on Equity (ROE) | 23.8336% | 168 |
| Retained earnings to average equity (ytd only) | 11.0966% | 665 |
| Net charge-offs to loans | 1.8361% | 422 |
| Credit loss provision to net charge-offs | 138.3085% | 2,083 |
| Earnings coverage of net charge-offs (x) | 14.0796% | 1,861 |
| Efficiency ratio | 85.7919% | 1,396 |
| Assets per employee ($millions) | 0.9686% | 7,121 |
| Cash dividends to net income (ytd only)* | 53.4414% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 5,438 |
| Loan loss allowance to noncurrent loans | 8.8264% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 1.4528% | 3,423 |
| Noncurrent loans to loans | 13.2424% | 128 |
| Net loans and leases to total assets | 9.3628% | 7,118 |
| Net loans and leases to deposits | 11.9358% | 7,120 |
| Net loans and leases to core deposits | 13.7053% | 7,109 |
| Total domestic deposits to total assets | 78.4431% | 5,979 |
| Equity capital to assets | 7.8595% | 6,659 |
| Core capital (leverage) ratio | 8.8636% | 5,247 |
| Tier 1 risk-based capital ratio | 28.2418% | 634 |
| Total risk-based capital ratio | 28.5913% | 692 |
| Memoranda: | ||
| Average total assets | $656,652,250 | 1,012 |
| Average earning assets | $585,357,250 | 1,037 |
| Average equity | $47,629,000 | 1,482 |
| Average total loans | $58,383,250 | 4,826 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5288% | 6,572 |
| Cost of funding earning assets | 0.8971% | 2,428 |
| Net interest margin | 2.6317% | 6,797 |
| Noninterest income to average assets | 13.6769% | 58 |
| Noninterest expense to average assets | 13.8515% | 59 |
| Loan and lease loss provision to assets | 0.2936% | 2,227 |
| Net operating income to assets | 1.8573% | 504 |
| Return on assets (ROA) | 1.4727% | 1,169 |
| Pretax return on assets | 1.4770% | 1,935 |
| Return on Equity (ROE) | 20.8837% | 295 |
| Retained earnings to average equity (ytd only) | 6.1874% | 2,574 |
| Net charge-offs to loans | 2.2145% | 347 |
| Credit loss provision to net charge-offs | 152.4487% | 1,817 |
| Earnings coverage of net charge-offs (x) | 11.1896% | 1,984 |
| Efficiency ratio | 86.4252% | 1,389 |
| Assets per employee ($millions) | 0.9977% | 7,181 |
| Cash dividends to net income (ytd only)* | 70.3719% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 5,083 |
| Loan loss allowance to noncurrent loans | 9.2321% | 6,703 |
| Noncurrent assets plus other real estate owned to assets | 1.3825% | 3,660 |
| Noncurrent loans to loans | 13.6465% | 128 |
| Net loans and leases to total assets | 8.7814% | 7,188 |
| Net loans and leases to deposits | 10.9952% | 7,190 |
| Net loans and leases to core deposits | 12.7319% | 7,177 |
| Total domestic deposits to total assets | 79.8653% | 5,775 |
| Equity capital to assets | 7.1695% | 6,875 |
| Core capital (leverage) ratio | 8.2811% | 5,941 |
| Tier 1 risk-based capital ratio | 26.7485% | 749 |
| Total risk-based capital ratio | 27.1067% | 799 |
| Memoranda: | ||
| Average total assets | $657,285,670 | 1,004 |
| Average earning assets | $581,899,000 | 1,037 |
| Average equity | $46,352,000 | 1,504 |
| Average total loans | $57,168,330 | 4,906 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6186% | 6,555 |
| Cost of funding earning assets | 0.9793% | 2,107 |
| Net interest margin | 2.6393% | 6,845 |
| Noninterest income to average assets | 13.4285% | 58 |
| Noninterest expense to average assets | 13.4420% | 56 |
| Loan and lease loss provision to assets | 0.3486% | 1,793 |
| Net operating income to assets | 1.9353% | 473 |
| Return on assets (ROA) | 1.4179% | 1,332 |
| Pretax return on assets | 1.4215% | 2,116 |
| Return on Equity (ROE) | 20.2789% | 373 |
| Retained earnings to average equity (ytd only) | 4.3806% | 3,968 |
| Net charge-offs to loans | 2.9200% | 252 |
| Credit loss provision to net charge-offs | 138.8753% | 1,773 |
| Earnings coverage of net charge-offs (x) | 9.1125% | 1,880 |
| Efficiency ratio | 85.3319% | 1,547 |
| Assets per employee ($millions) | 1.0308% | 7,247 |
| Cash dividends to net income (ytd only)* | 78.3983% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 6,219 |
| Loan loss allowance to noncurrent loans | 6.8150% | 6,772 |
| Noncurrent assets plus other real estate owned to assets | 1.4879% | 3,633 |
| Noncurrent loans to loans | 14.7770% | 127 |
| Net loans and leases to total assets | 8.8030% | 7,247 |
| Net loans and leases to deposits | 11.1523% | 7,248 |
| Net loans and leases to core deposits | 13.3254% | 7,233 |
| Total domestic deposits to total assets | 78.9346% | 6,092 |
| Equity capital to assets | 7.2096% | 6,879 |
| Core capital (leverage) ratio | 8.4582% | 5,662 |
| Tier 1 risk-based capital ratio | 25.1288% | 890 |
| Total risk-based capital ratio | 25.3917% | 979 |
| Memoranda: | ||
| Average total assets | $651,687,000 | 1,016 |
| Average earning assets | $568,175,000 | 1,073 |
| Average equity | $45,564,500 | 1,522 |
| Average total loans | $56,027,000 | 4,980 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2770% | 5,832 |
| Cost of funding earning assets | 1.1751% | 2,189 |
| Net interest margin | 3.1019% | 6,343 |
| Noninterest income to average assets | 12.6623% | 52 |
| Noninterest expense to average assets | 12.9826% | 53 |
| Loan and lease loss provision to assets | 0.0642% | 5,810 |
| Net operating income to assets | 2.2509% | 208 |
| Return on assets (ROA) | 2.0390% | 303 |
| Pretax return on assets | 2.0962% | 445 |
| Return on Equity (ROE) | 32.6097% | 34 |
| Retained earnings to average equity (ytd only) | 10.1326% | 531 |
| Net charge-offs to loans | 0.4437% | 3,216 |
| Credit loss provision to net charge-offs | 161.7188% | 1,705 |
| Earnings coverage of net charge-offs (x) | 59.9297% | 479 |
| Efficiency ratio | 84.2074% | 1,743 |
| Assets per employee ($millions) | 1.1040% | 7,295 |
| Cash dividends to net income (ytd only)* | 68.9278% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7164% | 6,883 |
| Loan loss allowance to noncurrent loans | 4.8929% | 6,852 |
| Noncurrent assets plus other real estate owned to assets | 1.3166% | 4,021 |
| Noncurrent loans to loans | 14.6417% | 134 |
| Net loans and leases to total assets | 8.2499% | 7,297 |
| Net loans and leases to deposits | 11.1625% | 7,297 |
| Net loans and leases to core deposits | 13.4438% | 7,281 |
| Total domestic deposits to total assets | 73.9076% | 6,725 |
| Equity capital to assets | 6.7796% | 7,015 |
| Core capital (leverage) ratio | 8.1036% | 6,137 |
| Tier 1 risk-based capital ratio | 24.3786% | 937 |
| Total risk-based capital ratio | 24.5556% | 1,045 |
| Memoranda: | ||
| Average total assets | $644,938,800 | 1,003 |
| Average earning assets | $561,213,400 | 1,059 |
| Average equity | $40,325,400 | 1,670 |
| Average total loans | $57,697,600 | 4,960 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3244% | 5,875 |
| Cost of funding earning assets | 1.1761% | 2,477 |
| Net interest margin | 3.1482% | 6,291 |
| Noninterest income to average assets | 12.3616% | 52 |
| Noninterest expense to average assets | 12.5415% | 57 |
| Loan and lease loss provision to assets | 0.0580% | 5,717 |
| Net operating income to assets | 2.4814% | 159 |
| Return on assets (ROA) | 2.2867% | 230 |
| Pretax return on assets | 2.3312% | 345 |
| Return on Equity (ROE) | 37.3837% | 26 |
| Retained earnings to average equity (ytd only) | 11.7088% | 528 |
| Net charge-offs to loans | 0.4474% | 2,935 |
| Credit loss provision to net charge-offs | 142.3469% | 2,239 |
| Earnings coverage of net charge-offs (x) | 63.4890% | 519 |
| Efficiency ratio | 82.5336% | 1,899 |
| Assets per employee ($millions) | 1.2816% | 7,358 |
| Cash dividends to net income (ytd only)* | 68.6795% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5617% | 7,124 |
| Loan loss allowance to noncurrent loans | 4.5364% | 6,942 |
| Noncurrent assets plus other real estate owned to assets | 1.0835% | 4,593 |
| Noncurrent loans to loans | 12.3832% | 219 |
| Net loans and leases to total assets | 8.0889% | 7,375 |
| Net loans and leases to deposits | 10.9320% | 7,374 |
| Net loans and leases to core deposits | 13.0266% | 7,358 |
| Total domestic deposits to total assets | 73.9929% | 6,760 |
| Equity capital to assets | 6.2012% | 7,165 |
| Core capital (leverage) ratio | 7.7097% | 6,634 |
| Tier 1 risk-based capital ratio | 23.4025% | 1,088 |
| Total risk-based capital ratio | 23.5395% | 1,217 |
| Memoranda: | ||
| Average total assets | $641,129,500 | 1,017 |
| Average earning assets | $563,643,250 | 1,060 |
| Average equity | $39,217,500 | 1,727 |
| Average total loans | $58,407,750 | 4,973 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 5,901 |
| Cost of funding earning assets | 1.2260% | 2,406 |
| Net interest margin | 3.1062% | 6,395 |
| Noninterest income to average assets | 12.4054% | 56 |
| Noninterest expense to average assets | 12.6055% | 59 |
| Loan and lease loss provision to assets | 0.0716% | 5,414 |
| Net operating income to assets | 2.4682% | 174 |
| Return on assets (ROA) | 2.2740% | 245 |
| Pretax return on assets | 2.3071% | 348 |
| Return on Equity (ROE) | 37.3668% | 40 |
| Retained earnings to average equity (ytd only) | 13.9294% | 320 |
| Net charge-offs to loans | 0.5694% | 2,402 |
| Credit loss provision to net charge-offs | 132.7381% | 2,302 |
| Earnings coverage of net charge-offs (x) | 47.7321% | 647 |
| Efficiency ratio | 82.5920% | 2,013 |
| Assets per employee ($millions) | 1.2333% | 7,435 |
| Cash dividends to net income (ytd only)* | 62.7224% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4992% | 7,226 |
| Loan loss allowance to noncurrent loans | 4.7495% | 6,987 |
| Noncurrent assets plus other real estate owned to assets | 1.0496% | 4,786 |
| Noncurrent loans to loans | 10.5109% | 350 |
| Net loans and leases to total assets | 8.7416% | 7,443 |
| Net loans and leases to deposits | 14.3749% | 7,438 |
| Net loans and leases to core deposits | 18.4150% | 7,414 |
| Total domestic deposits to total assets | 60.8116% | 7,369 |
| Equity capital to assets | 6.1126% | 7,227 |
| Core capital (leverage) ratio | 7.9828% | 6,320 |
| Tier 1 risk-based capital ratio | 22.4728% | 1,192 |
| Total risk-based capital ratio | 22.5944% | 1,338 |
| Memoranda: | ||
| Average total assets | $622,871,670 | 1,062 |
| Average earning assets | $556,440,330 | 1,085 |
| Average equity | $37,905,330 | 1,766 |
| Average total loans | $59,007,330 | 5,004 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 6,124 |
| Cost of funding earning assets | 1.2782% | 2,315 |
| Net interest margin | 2.9821% | 6,604 |
| Noninterest income to average assets | 12.7258% | 57 |
| Noninterest expense to average assets | 12.4198% | 60 |
| Loan and lease loss provision to assets | 0.0471% | 5,411 |
| Net operating income to assets | 2.8877% | 118 |
| Return on assets (ROA) | 2.6905% | 150 |
| Pretax return on assets | 2.7237% | 193 |
| Return on Equity (ROE) | 44.3199% | 39 |
| Retained earnings to average equity (ytd only) | 15.7247% | 335 |
| Net charge-offs to loans | 0.7883% | 1,640 |
| Credit loss provision to net charge-offs | 60.6838% | 3,535 |
| Earnings coverage of net charge-offs (x) | 38.2393% | 705 |
| Efficiency ratio | 80.2096% | 2,493 |
| Assets per employee ($millions) | 1.1489% | 7,502 |
| Cash dividends to net income (ytd only)* | 64.5201% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3277% | 7,390 |
| Loan loss allowance to noncurrent loans | 3.4269% | 7,054 |
| Noncurrent assets plus other real estate owned to assets | 1.0816% | 4,764 |
| Noncurrent loans to loans | 9.5613% | 437 |
| Net loans and leases to total assets | 9.1503% | 7,505 |
| Net loans and leases to deposits | 13.4351% | 7,502 |
| Net loans and leases to core deposits | 16.7294% | 7,478 |
| Total domestic deposits to total assets | 68.1073% | 7,262 |
| Equity capital to assets | 6.0939% | 7,272 |
| Core capital (leverage) ratio | 8.2484% | 5,904 |
| Tier 1 risk-based capital ratio | 22.1974% | 1,198 |
| Total risk-based capital ratio | 22.2770% | 1,363 |
| Memoranda: | ||
| Average total assets | $602,556,000 | 1,110 |
| Average earning assets | $538,273,500 | 1,136 |
| Average equity | $36,579,500 | 1,814 |
| Average total loans | $59,365,000 | 5,031 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 5,715 |
| Cost of funding earning assets | 1.6987% | 1,607 |
| Net interest margin | 3.0250% | 6,689 |
| Noninterest income to average assets | 12.6238% | 53 |
| Noninterest expense to average assets | 12.2561% | 65 |
| Loan and lease loss provision to assets | 0.0420% | 6,744 |
| Net operating income to assets | 2.9388% | 76 |
| Return on assets (ROA) | 2.4457% | 127 |
| Pretax return on assets | 2.5072% | 185 |
| Return on Equity (ROE) | 44.7578% | 16 |
| Retained earnings to average equity (ytd only) | 21.5575% | 39 |
| Net charge-offs to loans | 0.6005% | 3,230 |
| Credit loss provision to net charge-offs | 64.9351% | 5,987 |
| Earnings coverage of net charge-offs (x) | 47.1610% | 490 |
| Efficiency ratio | 79.5787% | 2,468 |
| Assets per employee ($millions) | 1.1135% | 7,585 |
| Cash dividends to net income (ytd only)* | 51.8353% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4075% | 7,421 |
| Loan loss allowance to noncurrent loans | 4.5554% | 7,129 |
| Noncurrent assets plus other real estate owned to assets | 1.1465% | 4,716 |
| Noncurrent loans to loans | 8.9450% | 528 |
| Net loans and leases to total assets | 10.5329% | 7,584 |
| Net loans and leases to deposits | 17.1057% | 7,572 |
| Net loans and leases to core deposits | 20.9830% | 7,544 |
| Total domestic deposits to total assets | 61.5757% | 7,489 |
| Equity capital to assets | 6.0457% | 7,338 |
| Core capital (leverage) ratio | 8.6103% | 5,179 |
| Tier 1 risk-based capital ratio | 21.8826% | 1,194 |
| Total risk-based capital ratio | 21.9899% | 1,338 |
| Memoranda: | ||
| Average total assets | $594,846,000 | 1,130 |
| Average earning assets | $527,931,400 | 1,164 |
| Average equity | $32,503,800 | 2,019 |
| Average total loans | $64,111,000 | 4,905 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7442% | 5,875 |
| Cost of funding earning assets | 1.7175% | 1,781 |
| Net interest margin | 3.0266% | 6,774 |
| Noninterest income to average assets | 12.3843% | 55 |
| Noninterest expense to average assets | 12.1176% | 63 |
| Loan and lease loss provision to assets | 0.0414% | 6,673 |
| Net operating income to assets | 2.8279% | 95 |
| Return on assets (ROA) | 2.3804% | 174 |
| Pretax return on assets | 2.4462% | 255 |
| Return on Equity (ROE) | 44.7171% | 19 |
| Retained earnings to average equity (ytd only) | 23.7436% | 40 |
| Net charge-offs to loans | 0.8148% | 2,413 |
| Credit loss provision to net charge-offs | 46.9697% | 5,926 |
| Earnings coverage of net charge-offs (x) | 33.4291% | 804 |
| Efficiency ratio | 79.9704% | 2,340 |
| Assets per employee ($millions) | 1.3409% | 7,669 |
| Cash dividends to net income (ytd only)* | 46.9025% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2983% | 7,592 |
| Loan loss allowance to noncurrent loans | 3.1449% | 7,246 |
| Noncurrent assets plus other real estate owned to assets | 0.9936% | 5,100 |
| Noncurrent loans to loans | 9.4842% | 474 |
| Net loans and leases to total assets | 8.8043% | 7,692 |
| Net loans and leases to deposits | 13.3213% | 7,695 |
| Net loans and leases to core deposits | 15.8402% | 7,676 |
| Total domestic deposits to total assets | 66.0919% | 7,466 |
| Equity capital to assets | 5.1818% | 7,561 |
| Core capital (leverage) ratio | 7.0263% | 7,149 |
| Tier 1 risk-based capital ratio | 18.5678% | 1,854 |
| Total risk-based capital ratio | 18.6366% | 2,175 |
| Memoranda: | ||
| Average total assets | $598,529,000 | 1,129 |
| Average earning assets | $530,433,500 | 1,163 |
| Average equity | $31,861,750 | 2,074 |
| Average total loans | $64,800,500 | 4,955 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9964% | 4,962 |
| Cost of funding earning assets | 1.8069% | 1,616 |
| Net interest margin | 3.1895% | 6,350 |
| Noninterest income to average assets | 13.0869% | 52 |
| Noninterest expense to average assets | 12.7950% | 58 |
| Loan and lease loss provision to assets | 0.0405% | 6,562 |
| Net operating income to assets | 2.9683% | 85 |
| Return on assets (ROA) | 2.3440% | 195 |
| Pretax return on assets | 2.4160% | 272 |
| Return on Equity (ROE) | 43.5777% | 20 |
| Retained earnings to average equity (ytd only) | 22.9995% | 62 |
| Net charge-offs to loans | 0.8119% | 2,222 |
| Credit loss provision to net charge-offs | 42.9630% | 5,555 |
| Earnings coverage of net charge-offs (x) | 32.8815% | 858 |
| Efficiency ratio | 80.0158% | 2,444 |
| Assets per employee ($millions) | 1.1630% | 7,755 |
| Cash dividends to net income (ytd only)* | 47.2218% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3664% | 7,620 |
| Loan loss allowance to noncurrent loans | 3.5847% | 7,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1939% | 4,749 |
| Noncurrent loans to loans | 10.2221% | 429 |
| Net loans and leases to total assets | 10.3511% | 7,755 |
| Net loans and leases to deposits | 17.3128% | 7,745 |
| Net loans and leases to core deposits | 21.8763% | 7,714 |
| Total domestic deposits to total assets | 59.7886% | 7,661 |
| Equity capital to assets | 5.2699% | 7,615 |
| Core capital (leverage) ratio | 7.5049% | 6,820 |
| Tier 1 risk-based capital ratio | 18.8135% | 1,761 |
| Total risk-based capital ratio | 18.9075% | 2,027 |
| Memoranda: | ||
| Average total assets | $572,769,670 | 1,190 |
| Average earning assets | $504,281,670 | 1,241 |
| Average equity | $30,809,330 | 2,141 |
| Average total loans | $66,508,000 | 4,918 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0504% | 4,781 |
| Cost of funding earning assets | 1.8991% | 1,450 |
| Net interest margin | 3.1513% | 6,448 |
| Noninterest income to average assets | 13.9174% | 51 |
| Noninterest expense to average assets | 13.2234% | 56 |
| Loan and lease loss provision to assets | 0.0433% | 6,245 |
| Net operating income to assets | 3.2708% | 71 |
| Return on assets (ROA) | 2.7465% | 116 |
| Pretax return on assets | 2.8735% | 152 |
| Return on Equity (ROE) | 50.4974% | 24 |
| Retained earnings to average equity (ytd only) | 34.3547% | 41 |
| Net charge-offs to loans | 1.3097% | 1,305 |
| Credit loss provision to net charge-offs | 26.9058% | 4,864 |
| Earnings coverage of net charge-offs (x) | 21.5247% | 1,124 |
| Efficiency ratio | 78.7367% | 2,772 |
| Assets per employee ($millions) | 1.0393% | 7,870 |
| Cash dividends to net income (ytd only)* | 31.9674% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3438% | 7,726 |
| Loan loss allowance to noncurrent loans | 3.2104% | 7,395 |
| Noncurrent assets plus other real estate owned to assets | 1.3443% | 4,505 |
| Noncurrent loans to loans | 10.7105% | 377 |
| Net loans and leases to total assets | 11.3535% | 7,853 |
| Net loans and leases to deposits | 18.7200% | 7,837 |
| Net loans and leases to core deposits | 22.2518% | 7,815 |
| Total domestic deposits to total assets | 60.6488% | 7,749 |
| Equity capital to assets | 5.4543% | 7,679 |
| Core capital (leverage) ratio | 7.7629% | 6,549 |
| Tier 1 risk-based capital ratio | 18.1392% | 1,915 |
| Total risk-based capital ratio | 18.2293% | 2,226 |
| Memoranda: | ||
| Average total assets | $554,441,500 | 1,250 |
| Average earning assets | $487,169,000 | 1,307 |
| Average equity | $30,156,000 | 2,207 |
| Average total loans | $68,105,000 | 4,930 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0830% | 6,155 |
| Cost of funding earning assets | 2.2137% | 1,970 |
| Net interest margin | 2.8693% | 6,917 |
| Noninterest income to average assets | 10.5267% | 67 |
| Noninterest expense to average assets | 10.2550% | 98 |
| Loan and lease loss provision to assets | 0.0497% | 7,063 |
| Net operating income to assets | 2.6970% | 71 |
| Return on assets (ROA) | 1.7659% | 408 |
| Pretax return on assets | 1.8024% | 633 |
| Return on Equity (ROE) | 33.0571% | 37 |
| Retained earnings to average equity (ytd only) | 14.2959% | 107 |
| Net charge-offs to loans | 0.4543% | 3,964 |
| Credit loss provision to net charge-offs | 82.8402% | 6,222 |
| Earnings coverage of net charge-offs (x) | 46.7456% | 547 |
| Efficiency ratio | 78.1970% | 3,161 |
| Assets per employee ($millions) | 0.8960% | 7,957 |
| Cash dividends to net income (ytd only)* | 56.7540% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6008% | 7,550 |
| Loan loss allowance to noncurrent loans | 6.1674% | 7,415 |
| Noncurrent assets plus other real estate owned to assets | 1.3947% | 4,328 |
| Noncurrent loans to loans | 9.7423% | 437 |
| Net loans and leases to total assets | 13.1880% | 7,919 |
| Net loans and leases to deposits | 24.4052% | 7,876 |
| Net loans and leases to core deposits | 24.4052% | 7,898 |
| Total domestic deposits to total assets | 54.0376% | 7,878 |
| Equity capital to assets | 5.4220% | 7,747 |
| Core capital (leverage) ratio | 8.0182% | 6,152 |
| Tier 1 risk-based capital ratio | 17.4243% | 2,046 |
| Total risk-based capital ratio | 17.5947% | 2,325 |
| Memoranda: | ||
| Average total assets | $563,851,800 | 1,231 |
| Average earning assets | $497,261,200 | 1,268 |
| Average equity | $30,120,600 | 2,220 |
| Average total loans | $74,407,400 | 4,713 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9863% | 6,643 |
| Cost of funding earning assets | 2.3160% | 1,923 |
| Net interest margin | 2.6703% | 7,265 |
| Noninterest income to average assets | 9.0013% | 79 |
| Noninterest expense to average assets | 9.3780% | 110 |
| Loan and lease loss provision to assets | 0.0503% | 6,868 |
| Net operating income to assets | 1.8927% | 364 |
| Return on assets (ROA) | 1.6350% | 671 |
| Pretax return on assets | 1.6667% | 1,030 |
| Return on Equity (ROE) | 30.7134% | 55 |
| Retained earnings to average equity (ytd only) | 21.9294% | 41 |
| Net charge-offs to loans | 0.4960% | 3,239 |
| Credit loss provision to net charge-offs | 76.8683% | 5,838 |
| Earnings coverage of net charge-offs (x) | 30.2845% | 932 |
| Efficiency ratio | 82.1979% | 2,557 |
| Assets per employee ($millions) | 1.1231% | 8,023 |
| Cash dividends to net income (ytd only)* | 28.5999% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5422% | 7,655 |
| Loan loss allowance to noncurrent loans | 5.9701% | 7,502 |
| Noncurrent assets plus other real estate owned to assets | 1.1722% | 4,726 |
| Noncurrent loans to loans | 9.0814% | 491 |
| Net loans and leases to total assets | 12.0028% | 8,008 |
| Net loans and leases to deposits | 19.4525% | 7,998 |
| Net loans and leases to core deposits | 19.4525% | 8,006 |
| Total domestic deposits to total assets | 61.7032% | 7,827 |
| Equity capital to assets | 5.4049% | 7,926 |
| Core capital (leverage) ratio | 7.2148% | 7,256 |
| Tier 1 risk-based capital ratio | 15.1247% | 2,988 |
| Total risk-based capital ratio | 15.2607% | 3,497 |
| Memoranda: | ||
| Average total assets | $573,102,250 | 1,221 |
| Average earning assets | $505,744,000 | 1,259 |
| Average equity | $30,509,250 | 2,217 |
| Average total loans | $75,534,000 | 4,716 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9493% | 6,923 |
| Cost of funding earning assets | 2.3551% | 2,144 |
| Net interest margin | 2.5942% | 7,366 |
| Noninterest income to average assets | 7.1732% | 98 |
| Noninterest expense to average assets | 8.4491% | 148 |
| Loan and lease loss provision to assets | 0.0523% | 6,708 |
| Net operating income to assets | 1.0049% | 2,090 |
| Return on assets (ROA) | 0.8018% | 2,942 |
| Pretax return on assets | 0.8226% | 3,595 |
| Return on Equity (ROE) | 15.1424% | 809 |
| Retained earnings to average equity (ytd only) | 9.5615% | 802 |
| Net charge-offs to loans | 0.2030% | 4,264 |
| Credit loss provision to net charge-offs | 189.7436% | 2,409 |
| Earnings coverage of net charge-offs (x) | 39.3718% | 823 |
| Efficiency ratio | 88.1824% | 1,992 |
| Assets per employee ($millions) | 1.3600% | 8,094 |
| Cash dividends to net income (ytd only)* | 36.8560% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7706% | 7,250 |
| Loan loss allowance to noncurrent loans | 8.6327% | 7,517 |
| Noncurrent assets plus other real estate owned to assets | 1.2428% | 4,450 |
| Noncurrent loans to loans | 8.9263% | 447 |
| Net loans and leases to total assets | 12.9567% | 8,091 |
| Net loans and leases to deposits | 21.4348% | 8,072 |
| Net loans and leases to core deposits | 21.4348% | 8,078 |
| Total domestic deposits to total assets | 60.4470% | 7,923 |
| Equity capital to assets | 5.3103% | 8,019 |
| Core capital (leverage) ratio | 6.9300% | 7,582 |
| Tier 1 risk-based capital ratio | 16.5857% | 2,424 |
| Total risk-based capital ratio | 16.8254% | 2,713 |
| Memoranda: | ||
| Average total assets | $566,471,330 | 1,254 |
| Average earning assets | $515,381,670 | 1,257 |
| Average equity | $29,995,330 | 2,262 |
| Average total loans | $76,857,330 | 4,707 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1376% | 6,532 |
| Cost of funding earning assets | 2.3631% | 2,452 |
| Net interest margin | 2.7745% | 7,045 |
| Noninterest income to average assets | 6.4613% | 106 |
| Noninterest expense to average assets | 8.1534% | 148 |
| Loan and lease loss provision to assets | 0.0538% | 6,293 |
| Net operating income to assets | 0.7739% | 3,242 |
| Return on assets (ROA) | 0.7739% | 3,417 |
| Pretax return on assets | 0.7774% | 4,160 |
| Return on Equity (ROE) | 14.6362% | 1,047 |
| Retained earnings to average equity (ytd only) | 9.8734% | 1,226 |
| Net charge-offs to loans | 0.1637% | 3,659 |
| Credit loss provision to net charge-offs | 237.5000% | 1,952 |
| Earnings coverage of net charge-offs (x) | 36.7188% | 911 |
| Efficiency ratio | 90.3236% | 1,699 |
| Assets per employee ($millions) | 1.3793% | 8,137 |
| Cash dividends to net income (ytd only)* | 32.5411% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6945% | 7,449 |
| Loan loss allowance to noncurrent loans | 8.2431% | 7,529 |
| Noncurrent assets plus other real estate owned to assets | 1.1855% | 4,300 |
| Noncurrent loans to loans | 8.4251% | 409 |
| Net loans and leases to total assets | 13.3141% | 8,145 |
| Net loans and leases to deposits | 21.3870% | 8,125 |
| Net loans and leases to core deposits | 21.3870% | 8,134 |
| Total domestic deposits to total assets | 62.2532% | 7,903 |
| Equity capital to assets | 5.3514% | 8,087 |
| Core capital (leverage) ratio | 6.7666% | 7,778 |
| Tier 1 risk-based capital ratio | 16.2444% | 2,597 |
| Total risk-based capital ratio | 16.4678% | 2,917 |
| Memoranda: | ||
| Average total assets | $565,459,500 | 1,258 |
| Average earning assets | $514,250,500 | 1,261 |
| Average equity | $29,898,500 | 2,287 |
| Average total loans | $78,171,000 | 4,676 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6755% | 6,853 |
| Cost of funding earning assets | 2.2286% | 5,466 |
| Net interest margin | 3.4469% | 5,475 |
| Noninterest income to average assets | 6.0418% | 106 |
| Noninterest expense to average assets | 8.4784% | 199 |
| Loan and lease loss provision to assets | 0.0643% | 6,590 |
| Net operating income to assets | 0.5783% | 4,401 |
| Return on assets (ROA) | 0.9728% | 2,558 |
| Pretax return on assets | 1.0099% | 3,345 |
| Return on Equity (ROE) | 17.6078% | 568 |
| Retained earnings to average equity (ytd only) | 10.3207% | 409 |
| Net charge-offs to loans | 0.5430% | 2,195 |
| Credit loss provision to net charge-offs | 77.0065% | 5,959 |
| Earnings coverage of net charge-offs (x) | 7.9414% | 2,983 |
| Efficiency ratio | 92.2229% | 1,368 |
| Assets per employee ($millions) | 1.4320% | 8,174 |
| Cash dividends to net income (ytd only)* | 41.3857% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6219% | 7,632 |
| Loan loss allowance to noncurrent loans | 7.7115% | 7,529 |
| Noncurrent assets plus other real estate owned to assets | 1.1825% | 3,893 |
| Noncurrent loans to loans | 8.0646% | 332 |
| Net loans and leases to total assets | 14.1632% | 8,196 |
| Net loans and leases to deposits | 25.0990% | 8,164 |
| Net loans and leases to core deposits | 25.0990% | 8,179 |
| Total domestic deposits to total assets | 56.4294% | 8,050 |
| Equity capital to assets | 5.2219% | 8,163 |
| Core capital (leverage) ratio | 6.7235% | 7,851 |
| Tier 1 risk-based capital ratio | 15.9580% | 2,680 |
| Total risk-based capital ratio | 16.1684% | 3,002 |
| Memoranda: | ||
| Average total assets | $551,934,000 | 1,231 |
| Average earning assets | $496,360,000 | 1,247 |
| Average equity | $30,492,200 | 2,217 |
| Average total loans | $84,904,000 | 4,367 |