Home > Centera Bank > Performance and Condition Ratios
Centera Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4730% | 3,924 |
| Cost of funding earning assets | 1.4397% | 3,342 |
| Net interest margin | 3.0333% | 3,330 |
| Noninterest income to average assets | 0.3600% | 2,477 |
| Noninterest expense to average assets | 2.2801% | 2,894 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 0.8293% | 2,768 |
| Return on assets (ROA) | 0.8510% | 2,713 |
| Pretax return on assets | 0.8746% | 3,025 |
| Return on Equity (ROE) | 14.3800% | 1,191 |
| Retained earnings to average equity (ytd only) | 3.8998% | 2,875 |
| Net charge-offs to loans | 0.0856% | 910 |
| Credit loss provision to net charge-offs | 109.3750% | 1,212 |
| Earnings coverage of net charge-offs (x) | 23.1563% | 1,375 |
| Efficiency ratio | 71.2679% | 1,684 |
| Assets per employee ($millions) | 6.9190% | 2,271 |
| Cash dividends to net income (ytd only)* | 72.8863% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 2,868 |
| Loan loss allowance to noncurrent loans | 11,350.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 3,750 |
| Noncurrent loans to loans | 0.0094% | 3,694 |
| Net loans and leases to total assets | 44.1700% | 3,832 |
| Net loans and leases to deposits | 47.3409% | 3,962 |
| Net loans and leases to core deposits | 56.7485% | 3,801 |
| Total domestic deposits to total assets | 93.3100% | 118 |
| Equity capital to assets | 6.0624% | 4,243 |
| Core capital (leverage) ratio | 8.9895% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8326% | 1,105 |
| Memoranda: | ||
| Average total assets | $322,447,000 | 2,382 |
| Average earning assets | $301,453,000 | 2,363 |
| Average equity | $19,078,000 | 3,067 |
| Average total loans | $149,610,000 | 2,771 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 3,910 |
| Cost of funding earning assets | 1.5893% | 3,192 |
| Net interest margin | 2.8757% | 3,355 |
| Noninterest income to average assets | 0.3100% | 3,001 |
| Noninterest expense to average assets | 2.3281% | 2,785 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.6188% | 3,192 |
| Return on assets (ROA) | 0.7600% | 2,819 |
| Pretax return on assets | 0.7764% | 3,110 |
| Return on Equity (ROE) | 14.0400% | 1,117 |
| Retained earnings to average equity (ytd only) | 3.5532% | 2,806 |
| Net charge-offs to loans | 0.0082% | 2,615 |
| Credit loss provision to net charge-offs | 900.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 175.4167% | 554 |
| Efficiency ratio | 77.8117% | 1,218 |
| Assets per employee ($millions) | 6.7996% | 2,298 |
| Cash dividends to net income (ytd only)* | 74.6888% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 2,942 |
| Loan loss allowance to noncurrent loans | 5,468.9655% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 3,688 |
| Noncurrent loans to loans | 0.0192% | 3,617 |
| Net loans and leases to total assets | 47.7400% | 3,738 |
| Net loans and leases to deposits | 50.9811% | 3,885 |
| Net loans and leases to core deposits | 63.1599% | 3,636 |
| Total domestic deposits to total assets | 93.6500% | 121 |
| Equity capital to assets | 5.7619% | 4,244 |
| Core capital (leverage) ratio | 9.2951% | 3,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2966% | 1,204 |
| Memoranda: | ||
| Average total assets | $317,086,600 | 2,379 |
| Average earning assets | $295,473,600 | 2,373 |
| Average equity | $17,167,600 | 3,173 |
| Average total loans | $146,222,600 | 2,764 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4582% | 3,892 |
| Cost of funding earning assets | 1.6107% | 3,148 |
| Net interest margin | 2.8474% | 3,368 |
| Noninterest income to average assets | 0.3100% | 2,981 |
| Noninterest expense to average assets | 2.2282% | 3,000 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.6768% | 3,037 |
| Return on assets (ROA) | 0.8628% | 2,513 |
| Pretax return on assets | 0.8842% | 2,845 |
| Return on Equity (ROE) | 16.1900% | 797 |
| Retained earnings to average equity (ytd only) | 5.5757% | 2,252 |
| Net charge-offs to loans | 0.0092% | 2,306 |
| Credit loss provision to net charge-offs | 1,060.0000% | 386 |
| Earnings coverage of net charge-offs (x) | 175.5000% | 562 |
| Efficiency ratio | 75.1838% | 1,464 |
| Assets per employee ($millions) | 6.6509% | 2,395 |
| Cash dividends to net income (ytd only)* | 65.5658% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 3,036 |
| Loan loss allowance to noncurrent loans | 2,143.2432% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,594 |
| Noncurrent loans to loans | 0.0486% | 3,458 |
| Net loans and leases to total assets | 47.2100% | 3,769 |
| Net loans and leases to deposits | 51.6981% | 3,896 |
| Net loans and leases to core deposits | 62.4703% | 3,698 |
| Total domestic deposits to total assets | 91.3200% | 289 |
| Equity capital to assets | 6.4512% | 4,254 |
| Core capital (leverage) ratio | 9.3073% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1104% | 1,273 |
| Memoranda: | ||
| Average total assets | $318,163,000 | 2,361 |
| Average earning assets | $296,585,750 | 2,363 |
| Average equity | $16,954,000 | 3,191 |
| Average total loans | $145,047,750 | 2,764 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4026% | 3,917 |
| Cost of funding earning assets | 1.6074% | 3,061 |
| Net interest margin | 2.7953% | 3,432 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 2.2567% | 2,919 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.6223% | 3,140 |
| Return on assets (ROA) | 0.8949% | 2,334 |
| Pretax return on assets | 0.9138% | 2,729 |
| Return on Equity (ROE) | 18.0700% | 612 |
| Retained earnings to average equity (ytd only) | 6.6326% | 1,769 |
| Net charge-offs to loans | 0.0028% | 2,420 |
| Credit loss provision to net charge-offs | 2,900.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 526.5000% | 231 |
| Efficiency ratio | 77.3011% | 1,350 |
| Assets per employee ($millions) | 6.4527% | 2,444 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,024 |
| Loan loss allowance to noncurrent loans | 3,435.5556% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,648 |
| Noncurrent loans to loans | 0.0306% | 3,554 |
| Net loans and leases to total assets | 47.0300% | 3,788 |
| Net loans and leases to deposits | 51.0635% | 3,927 |
| Net loans and leases to core deposits | 62.2654% | 3,683 |
| Total domestic deposits to total assets | 92.1000% | 255 |
| Equity capital to assets | 5.2158% | 4,345 |
| Core capital (leverage) ratio | 9.2705% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6649% | 1,143 |
| Memoranda: | ||
| Average total assets | $317,802,333 | 2,349 |
| Average earning assets | $297,503,000 | 2,339 |
| Average equity | $15,740,333 | 3,257 |
| Average total loans | $142,628,667 | 2,786 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 3,895 |
| Cost of funding earning assets | 1.5605% | 3,062 |
| Net interest margin | 2.7987% | 3,374 |
| Noninterest income to average assets | 0.2900% | 2,998 |
| Noninterest expense to average assets | 2.2632% | 2,899 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6407% | 3,036 |
| Return on assets (ROA) | 1.0713% | 1,746 |
| Pretax return on assets | 1.0875% | 2,169 |
| Return on Equity (ROE) | 22.2000% | 328 |
| Retained earnings to average equity (ytd only) | 10.6097% | 975 |
| Net charge-offs to loans | 0.0086% | 1,771 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 454 |
| Efficiency ratio | 77.6215% | 1,392 |
| Assets per employee ($millions) | 6.7530% | 2,243 |
| Cash dividends to net income (ytd only)* | 52.2042% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 2,939 |
| Loan loss allowance to noncurrent loans | 2,323.4375% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 3,618 |
| Noncurrent loans to loans | 0.0461% | 3,431 |
| Net loans and leases to total assets | 42.3600% | 3,946 |
| Net loans and leases to deposits | 46.3379% | 4,034 |
| Net loans and leases to core deposits | 56.5850% | 3,886 |
| Total domestic deposits to total assets | 91.4100% | 439 |
| Equity capital to assets | 4.8102% | 4,393 |
| Core capital (leverage) ratio | 8.8950% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0558% | 922 |
| Memoranda: | ||
| Average total assets | $321,838,500 | 2,340 |
| Average earning assets | $301,707,000 | 2,327 |
| Average equity | $15,533,000 | 3,280 |
| Average total loans | $140,335,000 | 2,803 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0071% | 3,955 |
| Cost of funding earning assets | 1.2015% | 2,800 |
| Net interest margin | 2.8056% | 3,649 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.2836% | 2,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6335% | 3,357 |
| Return on assets (ROA) | 0.7326% | 3,081 |
| Pretax return on assets | 0.7537% | 3,329 |
| Return on Equity (ROE) | 19.0900% | 702 |
| Retained earnings to average equity (ytd only) | 6.1436% | 2,189 |
| Net charge-offs to loans | -0.0007% | 3,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.7026% | 1,093 |
| Assets per employee ($millions) | 6.7985% | 2,207 |
| Cash dividends to net income (ytd only)* | 67.8253% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,067 |
| Loan loss allowance to noncurrent loans | 7,450.0000% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 3,758 |
| Noncurrent loans to loans | 0.0141% | 3,649 |
| Net loans and leases to total assets | 43.9400% | 3,906 |
| Net loans and leases to deposits | 47.2045% | 4,015 |
| Net loans and leases to core deposits | 58.0964% | 3,834 |
| Total domestic deposits to total assets | 93.0800% | 165 |
| Equity capital to assets | 4.8427% | 4,434 |
| Core capital (leverage) ratio | 9.0584% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7265% | 1,132 |
| Memoranda: | ||
| Average total assets | $321,993,600 | 2,304 |
| Average earning assets | $302,037,800 | 2,294 |
| Average equity | $12,354,400 | 3,494 |
| Average total loans | $137,544,600 | 2,790 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9372% | 3,941 |
| Cost of funding earning assets | 1.1121% | 2,707 |
| Net interest margin | 2.8251% | 3,684 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.2123% | 3,048 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7153% | 3,277 |
| Return on assets (ROA) | 0.8427% | 2,871 |
| Pretax return on assets | 0.8737% | 3,164 |
| Return on Equity (ROE) | 23.4900% | 461 |
| Retained earnings to average equity (ytd only) | 9.6647% | 1,502 |
| Net charge-offs to loans | -0.0078% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.5751% | 1,313 |
| Assets per employee ($millions) | 6.3887% | 2,415 |
| Cash dividends to net income (ytd only)* | 58.8524% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,097 |
| Loan loss allowance to noncurrent loans | 6,220.8333% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,778 |
| Noncurrent loans to loans | 0.0170% | 3,664 |
| Net loans and leases to total assets | 44.7500% | 3,886 |
| Net loans and leases to deposits | 48.8500% | 3,975 |
| Net loans and leases to core deposits | 58.4005% | 3,767 |
| Total domestic deposits to total assets | 91.6000% | 536 |
| Equity capital to assets | 3.1075% | 4,484 |
| Core capital (leverage) ratio | 8.9725% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8279% | 1,133 |
| Memoranda: | ||
| Average total assets | $322,609,250 | 2,303 |
| Average earning assets | $303,086,250 | 2,286 |
| Average equity | $11,574,500 | 3,568 |
| Average total loans | $136,458,750 | 2,812 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8333% | 3,978 |
| Cost of funding earning assets | 0.9789% | 2,672 |
| Net interest margin | 2.8544% | 3,721 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.2100% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7548% | 3,206 |
| Return on assets (ROA) | 0.9448% | 2,595 |
| Pretax return on assets | 0.9779% | 2,976 |
| Return on Equity (ROE) | 25.2500% | 371 |
| Retained earnings to average equity (ytd only) | 12.1247% | 959 |
| Net charge-offs to loans | -0.0134% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.8613% | 1,359 |
| Assets per employee ($millions) | 6.4382% | 2,341 |
| Cash dividends to net income (ytd only)* | 51.9818% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,097 |
| Loan loss allowance to noncurrent loans | 5,948.0000% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,651 |
| Noncurrent loans to loans | 0.0180% | 3,634 |
| Net loans and leases to total assets | 42.7600% | 3,932 |
| Net loans and leases to deposits | 46.4426% | 4,030 |
| Net loans and leases to core deposits | 55.0360% | 3,847 |
| Total domestic deposits to total assets | 92.0800% | 396 |
| Equity capital to assets | 3.9716% | 4,506 |
| Core capital (leverage) ratio | 8.7674% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4202% | 1,235 |
| Memoranda: | ||
| Average total assets | $325,796,667 | 2,296 |
| Average earning assets | $306,469,000 | 2,276 |
| Average equity | $12,190,000 | 3,522 |
| Average total loans | $134,755,000 | 2,825 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7450% | 3,955 |
| Cost of funding earning assets | 0.8214% | 2,648 |
| Net interest margin | 2.9236% | 3,752 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.1920% | 3,123 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8264% | 3,109 |
| Return on assets (ROA) | 1.0264% | 2,414 |
| Pretax return on assets | 1.0618% | 2,824 |
| Return on Equity (ROE) | 28.2900% | 277 |
| Retained earnings to average equity (ytd only) | 14.8329% | 820 |
| Net charge-offs to loans | -0.0151% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.9263% | 1,537 |
| Assets per employee ($millions) | 6.8935% | 2,049 |
| Cash dividends to net income (ytd only)* | 47.5624% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 2,950 |
| Loan loss allowance to noncurrent loans | 5,492.5926% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 3,632 |
| Noncurrent loans to loans | 0.0204% | 3,631 |
| Net loans and leases to total assets | 39.5100% | 4,059 |
| Net loans and leases to deposits | 41.3721% | 4,183 |
| Net loans and leases to core deposits | 47.4968% | 4,064 |
| Total domestic deposits to total assets | 95.5100% | 71 |
| Equity capital to assets | 4.0243% | 4,543 |
| Core capital (leverage) ratio | 8.4266% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7990% | 1,189 |
| Memoranda: | ||
| Average total assets | $327,740,000 | 2,326 |
| Average earning assets | $308,251,000 | 2,296 |
| Average equity | $11,892,500 | 3,580 |
| Average total loans | $132,558,500 | 2,874 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0591% | 4,061 |
| Cost of funding earning assets | 0.3433% | 2,534 |
| Net interest margin | 2.7158% | 4,035 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.0914% | 3,321 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.6994% | 3,622 |
| Return on assets (ROA) | 0.7498% | 3,422 |
| Pretax return on assets | 0.7812% | 3,668 |
| Return on Equity (ROE) | 16.1700% | 1,025 |
| Retained earnings to average equity (ytd only) | 6.9883% | 2,251 |
| Net charge-offs to loans | -0.0032% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.6405% | 1,251 |
| Assets per employee ($millions) | 6.4919% | 2,342 |
| Cash dividends to net income (ytd only)* | 56.7729% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 2,407 |
| Loan loss allowance to noncurrent loans | 4,673.5294% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 3,782 |
| Noncurrent loans to loans | 0.0256% | 3,612 |
| Net loans and leases to total assets | 40.4500% | 4,050 |
| Net loans and leases to deposits | 42.6279% | 4,156 |
| Net loans and leases to core deposits | 50.3466% | 3,967 |
| Total domestic deposits to total assets | 94.8900% | 152 |
| Equity capital to assets | 3.2253% | 4,590 |
| Core capital (leverage) ratio | 8.5657% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3869% | 1,269 |
| Memoranda: | ||
| Average total assets | $334,744,200 | 2,279 |
| Average earning assets | $316,036,600 | 2,259 |
| Average equity | $15,526,000 | 3,321 |
| Average total loans | $126,439,200 | 2,862 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9104% | 4,043 |
| Cost of funding earning assets | 0.2491% | 2,719 |
| Net interest margin | 2.6612% | 4,005 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.9635% | 3,577 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7784% | 3,330 |
| Return on assets (ROA) | 0.8452% | 3,058 |
| Pretax return on assets | 0.8792% | 3,379 |
| Return on Equity (ROE) | 16.9800% | 793 |
| Retained earnings to average equity (ytd only) | 8.6397% | 1,774 |
| Net charge-offs to loans | -0.0043% | 3,439 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.1554% | 1,740 |
| Assets per employee ($millions) | 6.6615% | 2,191 |
| Cash dividends to net income (ytd only)* | 49.1113% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 2,595 |
| Loan loss allowance to noncurrent loans | 273.1497% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 2,393 |
| Noncurrent loans to loans | 0.4348% | 1,723 |
| Net loans and leases to total assets | 40.4500% | 4,053 |
| Net loans and leases to deposits | 43.3036% | 4,134 |
| Net loans and leases to core deposits | 49.6940% | 3,972 |
| Total domestic deposits to total assets | 93.4200% | 465 |
| Equity capital to assets | 2.1984% | 4,651 |
| Core capital (leverage) ratio | 8.2760% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0015% | 1,430 |
| Memoranda: | ||
| Average total assets | $337,282,000 | 2,287 |
| Average earning assets | $318,944,750 | 2,257 |
| Average equity | $16,790,250 | 3,253 |
| Average total loans | $124,826,250 | 2,882 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7120% | 4,124 |
| Cost of funding earning assets | 0.1648% | 3,381 |
| Net interest margin | 2.5472% | 4,004 |
| Noninterest income to average assets | 0.2804% | 3,486 |
| Noninterest expense to average assets | 1.8967% | 3,710 |
| Loan and lease loss provision to assets | 0.0029% | 2,558 |
| Net operating income to assets | 0.7639% | 3,095 |
| Return on assets (ROA) | 0.8636% | 2,696 |
| Pretax return on assets | 0.8970% | 3,078 |
| Return on Equity (ROE) | 14.7237% | 953 |
| Retained earnings to average equity (ytd only) | 7.7219% | 1,720 |
| Net charge-offs to loans | -0.0049% | 3,334 |
| Credit loss provision to net charge-offs | -166.6667% | 3,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4357% | 1,896 |
| Assets per employee ($millions) | 6.8178% | 2,056 |
| Cash dividends to net income (ytd only)* | 47.5543% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,636 |
| Loan loss allowance to noncurrent loans | 261.3014% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 2,482 |
| Noncurrent loans to loans | 0.4632% | 1,724 |
| Net loans and leases to total assets | 37.2852% | 4,198 |
| Net loans and leases to deposits | 40.0188% | 4,265 |
| Net loans and leases to core deposits | 45.3779% | 4,142 |
| Total domestic deposits to total assets | 93.1692% | 472 |
| Equity capital to assets | 4.0398% | 4,618 |
| Core capital (leverage) ratio | 8.0765% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3350% | 1,112 |
| Memoranda: | ||
| Average total assets | $340,905,333 | 2,289 |
| Average earning assets | $322,866,667 | 2,262 |
| Average equity | $19,995,000 | 3,072 |
| Average total loans | $121,891,667 | 2,925 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5404% | 4,214 |
| Cost of funding earning assets | 0.1249% | 3,836 |
| Net interest margin | 2.4155% | 4,042 |
| Noninterest income to average assets | 0.2614% | 3,568 |
| Noninterest expense to average assets | 1.7855% | 3,971 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7239% | 2,966 |
| Return on assets (ROA) | 0.8713% | 2,400 |
| Pretax return on assets | 0.9236% | 2,686 |
| Return on Equity (ROE) | 12.9063% | 1,061 |
| Retained earnings to average equity (ytd only) | 6.8833% | 1,931 |
| Net charge-offs to loans | -0.0134% | 3,708 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9590% | 2,239 |
| Assets per employee ($millions) | 7.3979% | 1,739 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,275 |
| Loan loss allowance to noncurrent loans | 259.2845% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 2,668 |
| Noncurrent loans to loans | 0.5074% | 1,758 |
| Net loans and leases to total assets | 31.4918% | 4,402 |
| Net loans and leases to deposits | 33.2609% | 4,456 |
| Net loans and leases to core deposits | 34.3005% | 4,475 |
| Total domestic deposits to total assets | 94.6813% | 59 |
| Equity capital to assets | 5.0602% | 4,717 |
| Core capital (leverage) ratio | 7.7234% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2516% | 1,007 |
| Memoranda: | ||
| Average total assets | $344,321,000 | 2,280 |
| Average earning assets | $326,558,000 | 2,256 |
| Average equity | $23,244,500 | 2,889 |
| Average total loans | $119,794,500 | 2,947 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1146% | 3,655 |
| Cost of funding earning assets | 0.1418% | 4,047 |
| Net interest margin | 2.9727% | 3,266 |
| Noninterest income to average assets | 0.2710% | 3,769 |
| Noninterest expense to average assets | 2.1484% | 3,233 |
| Loan and lease loss provision to assets | 0.0022% | 3,032 |
| Net operating income to assets | 0.9093% | 3,000 |
| Return on assets (ROA) | 0.9114% | 3,062 |
| Pretax return on assets | 0.9271% | 3,432 |
| Return on Equity (ROE) | 10.0969% | 2,488 |
| Retained earnings to average equity (ytd only) | 4.8025% | 2,862 |
| Net charge-offs to loans | 0.0064% | 2,336 |
| Credit loss provision to net charge-offs | 87.5000% | 1,899 |
| Earnings coverage of net charge-offs (x) | 375.8750% | 346 |
| Efficiency ratio | 69.8546% | 1,749 |
| Assets per employee ($millions) | 6.6560% | 2,190 |
| Cash dividends to net income (ytd only)* | 52.4357% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 2,765 |
| Loan loss allowance to noncurrent loans | 256.8528% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 2,671 |
| Noncurrent loans to loans | 0.4770% | 1,937 |
| Net loans and leases to total assets | 37.5269% | 4,220 |
| Net loans and leases to deposits | 41.1954% | 4,299 |
| Net loans and leases to core deposits | 42.6926% | 4,315 |
| Total domestic deposits to total assets | 91.0948% | 462 |
| Equity capital to assets | 8.6299% | 3,959 |
| Core capital (leverage) ratio | 8.3097% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5964% | 1,142 |
| Memoranda: | ||
| Average total assets | $324,338,800 | 2,321 |
| Average earning assets | $305,983,200 | 2,302 |
| Average equity | $29,276,200 | 2,582 |
| Average total loans | $124,182,200 | 2,910 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2822% | 3,437 |
| Cost of funding earning assets | 0.1442% | 4,161 |
| Net interest margin | 3.1380% | 2,943 |
| Noninterest income to average assets | 0.2635% | 3,824 |
| Noninterest expense to average assets | 2.0690% | 3,458 |
| Loan and lease loss provision to assets | 0.0022% | 2,929 |
| Net operating income to assets | 1.1288% | 2,443 |
| Return on assets (ROA) | 1.1283% | 2,509 |
| Pretax return on assets | 1.1481% | 3,081 |
| Return on Equity (ROE) | 12.3638% | 1,913 |
| Retained earnings to average equity (ytd only) | 6.9510% | 2,438 |
| Net charge-offs to loans | 0.0086% | 2,001 |
| Credit loss provision to net charge-offs | 62.5000% | 1,792 |
| Earnings coverage of net charge-offs (x) | 349.3750% | 400 |
| Efficiency ratio | 64.2629% | 2,347 |
| Assets per employee ($millions) | 6.4055% | 2,330 |
| Cash dividends to net income (ytd only)* | 43.7796% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,738 |
| Loan loss allowance to noncurrent loans | 255.9122% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 2,771 |
| Noncurrent loans to loans | 0.4883% | 2,087 |
| Net loans and leases to total assets | 38.1422% | 4,293 |
| Net loans and leases to deposits | 42.2638% | 4,372 |
| Net loans and leases to core deposits | 43.8365% | 4,388 |
| Total domestic deposits to total assets | 90.2479% | 659 |
| Equity capital to assets | 9.4141% | 3,455 |
| Core capital (leverage) ratio | 8.2880% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6124% | 1,215 |
| Memoranda: | ||
| Average total assets | $323,887,250 | 2,349 |
| Average earning assets | $305,111,500 | 2,331 |
| Average equity | $29,558,750 | 2,599 |
| Average total loans | $124,250,250 | 2,951 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3347% | 3,344 |
| Cost of funding earning assets | 0.1461% | 4,237 |
| Net interest margin | 3.1886% | 2,785 |
| Noninterest income to average assets | 0.4058% | 3,080 |
| Noninterest expense to average assets | 2.0322% | 3,598 |
| Loan and lease loss provision to assets | 0.0018% | 2,837 |
| Net operating income to assets | 1.3574% | 1,685 |
| Return on assets (ROA) | 1.3526% | 1,783 |
| Pretax return on assets | 1.3685% | 2,419 |
| Return on Equity (ROE) | 14.9718% | 1,164 |
| Retained earnings to average equity (ytd only) | 9.5595% | 1,537 |
| Net charge-offs to loans | 0.0144% | 1,662 |
| Credit loss provision to net charge-offs | 33.3333% | 1,687 |
| Earnings coverage of net charge-offs (x) | 250.0000% | 433 |
| Efficiency ratio | 59.6413% | 3,061 |
| Assets per employee ($millions) | 7.0407% | 1,774 |
| Cash dividends to net income (ytd only)* | 36.1500% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 3,006 |
| Loan loss allowance to noncurrent loans | 235.6698% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 1,187 |
| Noncurrent loans to loans | 0.5040% | 2,166 |
| Net loans and leases to total assets | 38.8663% | 4,340 |
| Net loans and leases to deposits | 42.9709% | 4,424 |
| Net loans and leases to core deposits | 44.5074% | 4,445 |
| Total domestic deposits to total assets | 90.4481% | 578 |
| Equity capital to assets | 9.1255% | 3,680 |
| Core capital (leverage) ratio | 8.0160% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9912% | 1,120 |
| Memoranda: | ||
| Average total assets | $327,226,333 | 2,323 |
| Average earning assets | $308,031,333 | 2,298 |
| Average equity | $29,562,333 | 2,595 |
| Average total loans | $125,256,333 | 2,955 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0931% | 3,896 |
| Cost of funding earning assets | 0.1472% | 4,325 |
| Net interest margin | 2.9459% | 3,391 |
| Noninterest income to average assets | 0.4792% | 2,708 |
| Noninterest expense to average assets | 2.0067% | 3,696 |
| Loan and lease loss provision to assets | 0.0024% | 2,715 |
| Net operating income to assets | 1.2745% | 1,905 |
| Return on assets (ROA) | 1.2745% | 1,983 |
| Pretax return on assets | 1.2454% | 2,714 |
| Return on Equity (ROE) | 14.1784% | 1,399 |
| Retained earnings to average equity (ytd only) | 8.7668% | 2,026 |
| Net charge-offs to loans | -0.0064% | 3,493 |
| Credit loss provision to net charge-offs | -100.0000% | 2,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6592% | 2,812 |
| Assets per employee ($millions) | 7.0337% | 1,788 |
| Cash dividends to net income (ytd only)* | 38.1679% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,939 |
| Loan loss allowance to noncurrent loans | 232.5191% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6700% | 1,402 |
| Noncurrent loans to loans | 0.5159% | 2,305 |
| Net loans and leases to total assets | 37.1546% | 4,448 |
| Net loans and leases to deposits | 41.4334% | 4,514 |
| Net loans and leases to core deposits | 42.9238% | 4,532 |
| Total domestic deposits to total assets | 89.6730% | 983 |
| Equity capital to assets | 8.5445% | 4,080 |
| Core capital (leverage) ratio | 7.8506% | 4,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7079% | 1,385 |
| Memoranda: | ||
| Average total assets | $328,902,500 | 2,292 |
| Average earning assets | $309,852,000 | 2,271 |
| Average equity | $29,566,000 | 2,579 |
| Average total loans | $124,189,000 | 2,973 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4534% | 4,111 |
| Cost of funding earning assets | 0.3630% | 3,803 |
| Net interest margin | 3.0904% | 3,652 |
| Noninterest income to average assets | 0.3369% | 3,446 |
| Noninterest expense to average assets | 2.3281% | 3,332 |
| Loan and lease loss provision to assets | -0.0007% | 4,895 |
| Net operating income to assets | 0.8583% | 2,868 |
| Return on assets (ROA) | 0.8660% | 2,977 |
| Pretax return on assets | 0.8971% | 3,372 |
| Return on Equity (ROE) | 8.5778% | 2,565 |
| Retained earnings to average equity (ytd only) | 3.1574% | 3,256 |
| Net charge-offs to loans | 0.0106% | 2,943 |
| Credit loss provision to net charge-offs | -15.3846% | 3,668 |
| Earnings coverage of net charge-offs (x) | 199.8462% | 467 |
| Efficiency ratio | 72.3764% | 1,633 |
| Assets per employee ($millions) | 6.5344% | 1,895 |
| Cash dividends to net income (ytd only)* | 63.1912% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 2,678 |
| Loan loss allowance to noncurrent loans | 229.1101% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 1,468 |
| Noncurrent loans to loans | 0.5461% | 2,343 |
| Net loans and leases to total assets | 37.4454% | 4,549 |
| Net loans and leases to deposits | 41.5192% | 4,612 |
| Net loans and leases to core deposits | 43.0879% | 4,628 |
| Total domestic deposits to total assets | 90.1882% | 490 |
| Equity capital to assets | 9.4583% | 3,654 |
| Core capital (leverage) ratio | 8.1718% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7783% | 1,319 |
| Memoranda: | ||
| Average total assets | $292,385,400 | 2,333 |
| Average earning assets | $272,458,000 | 2,332 |
| Average equity | $29,518,200 | 2,499 |
| Average total loans | $123,104,000 | 2,950 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6671% | 3,868 |
| Cost of funding earning assets | 0.4218% | 3,693 |
| Net interest margin | 3.2453% | 3,349 |
| Noninterest income to average assets | 0.3793% | 3,191 |
| Noninterest expense to average assets | 2.3113% | 3,394 |
| Loan and lease loss provision to assets | -0.0011% | 4,956 |
| Net operating income to assets | 1.0406% | 2,188 |
| Return on assets (ROA) | 1.0491% | 2,281 |
| Pretax return on assets | 1.0968% | 2,760 |
| Return on Equity (ROE) | 10.2111% | 1,951 |
| Retained earnings to average equity (ytd only) | 4.7555% | 2,667 |
| Net charge-offs to loans | -0.0011% | 3,821 |
| Credit loss provision to net charge-offs | 200.0000% | 2,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0137% | 2,192 |
| Assets per employee ($millions) | 5.8201% | 2,429 |
| Cash dividends to net income (ytd only)* | 53.4283% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,722 |
| Loan loss allowance to noncurrent loans | 243.7202% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 1,371 |
| Noncurrent loans to loans | 0.4880% | 2,597 |
| Net loans and leases to total assets | 43.7629% | 4,427 |
| Net loans and leases to deposits | 49.1815% | 4,512 |
| Net loans and leases to core deposits | 52.7547% | 4,496 |
| Total domestic deposits to total assets | 88.9824% | 774 |
| Equity capital to assets | 10.5252% | 2,768 |
| Core capital (leverage) ratio | 8.5070% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5568% | 1,122 |
| Memoranda: | ||
| Average total assets | $285,435,250 | 2,348 |
| Average earning assets | $265,527,000 | 2,350 |
| Average equity | $29,326,750 | 2,511 |
| Average total loans | $123,526,500 | 2,950 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6802% | 4,125 |
| Cost of funding earning assets | 0.4809% | 3,650 |
| Net interest margin | 3.1993% | 3,672 |
| Noninterest income to average assets | 0.4641% | 2,742 |
| Noninterest expense to average assets | 2.3309% | 3,448 |
| Loan and lease loss provision to assets | -0.0014% | 4,997 |
| Net operating income to assets | 1.0561% | 2,122 |
| Return on assets (ROA) | 1.0812% | 2,151 |
| Pretax return on assets | 1.1306% | 2,616 |
| Return on Equity (ROE) | 10.6117% | 1,770 |
| Retained earnings to average equity (ytd only) | 5.0740% | 2,438 |
| Net charge-offs to loans | 0.0033% | 2,876 |
| Credit loss provision to net charge-offs | -100.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 782.0000% | 120 |
| Efficiency ratio | 67.8784% | 2,250 |
| Assets per employee ($millions) | 6.1993% | 2,024 |
| Cash dividends to net income (ytd only)* | 52.1853% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,559 |
| Loan loss allowance to noncurrent loans | 240.9449% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.8266% | 1,499 |
| Noncurrent loans to loans | 0.4949% | 2,669 |
| Net loans and leases to total assets | 41.7394% | 4,537 |
| Net loans and leases to deposits | 46.7029% | 4,631 |
| Net loans and leases to core deposits | 51.2303% | 4,592 |
| Total domestic deposits to total assets | 89.3722% | 617 |
| Equity capital to assets | 10.1094% | 3,105 |
| Core capital (leverage) ratio | 8.5667% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2916% | 1,177 |
| Memoranda: | ||
| Average total assets | $283,578,000 | 2,345 |
| Average earning assets | $263,243,000 | 2,346 |
| Average equity | $28,892,667 | 2,526 |
| Average total loans | $121,740,000 | 2,958 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8075% | 4,221 |
| Cost of funding earning assets | 0.5733% | 3,572 |
| Net interest margin | 3.2342% | 3,773 |
| Noninterest income to average assets | 0.5821% | 2,118 |
| Noninterest expense to average assets | 2.3577% | 3,632 |
| Loan and lease loss provision to assets | -0.0029% | 5,032 |
| Net operating income to assets | 1.1615% | 1,656 |
| Return on assets (ROA) | 1.2008% | 1,631 |
| Pretax return on assets | 1.2549% | 2,019 |
| Return on Equity (ROE) | 11.7351% | 1,183 |
| Retained earnings to average equity (ytd only) | 6.0176% | 1,864 |
| Net charge-offs to loans | 0.0068% | 2,333 |
| Credit loss provision to net charge-offs | -100.0000% | 3,178 |
| Earnings coverage of net charge-offs (x) | 414.0000% | 166 |
| Efficiency ratio | 66.0656% | 2,950 |
| Assets per employee ($millions) | 5.3691% | 2,253 |
| Cash dividends to net income (ytd only)* | 48.7211% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 2,009 |
| Loan loss allowance to noncurrent loans | 239.8119% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.9203% | 1,451 |
| Noncurrent loans to loans | 0.5537% | 2,617 |
| Net loans and leases to total assets | 41.5182% | 4,608 |
| Net loans and leases to deposits | 46.6718% | 4,705 |
| Net loans and leases to core deposits | 54.8850% | 4,536 |
| Total domestic deposits to total assets | 88.9578% | 682 |
| Equity capital to assets | 10.5631% | 3,263 |
| Core capital (leverage) ratio | 8.9441% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5974% | 1,215 |
| Memoranda: | ||
| Average total assets | $273,483,000 | 2,355 |
| Average earning assets | $252,553,000 | 2,355 |
| Average equity | $27,984,500 | 2,575 |
| Average total loans | $118,449,500 | 2,972 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 4,180 |
| Cost of funding earning assets | 0.6208% | 3,554 |
| Net interest margin | 3.4139% | 3,701 |
| Noninterest income to average assets | 0.4454% | 3,027 |
| Noninterest expense to average assets | 2.4678% | 3,532 |
| Loan and lease loss provision to assets | 0.1950% | 1,043 |
| Net operating income to assets | 0.9013% | 3,205 |
| Return on assets (ROA) | 0.8996% | 3,295 |
| Pretax return on assets | 0.9337% | 3,641 |
| Return on Equity (ROE) | 9.5262% | 2,508 |
| Retained earnings to average equity (ytd only) | 2.1506% | 3,919 |
| Net charge-offs to loans | 0.7344% | 225 |
| Credit loss provision to net charge-offs | 58.7196% | 3,052 |
| Earnings coverage of net charge-offs (x) | 3.4040% | 3,326 |
| Efficiency ratio | 68.5819% | 2,375 |
| Assets per employee ($millions) | 5.3558% | 2,189 |
| Cash dividends to net income (ytd only)* | 77.4246% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,118 |
| Loan loss allowance to noncurrent loans | 237.4613% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 1,372 |
| Noncurrent loans to loans | 0.5309% | 2,589 |
| Net loans and leases to total assets | 43.9874% | 4,601 |
| Net loans and leases to deposits | 49.0438% | 4,713 |
| Net loans and leases to core deposits | 59.9710% | 4,441 |
| Total domestic deposits to total assets | 89.6901% | 427 |
| Equity capital to assets | 9.9014% | 4,009 |
| Core capital (leverage) ratio | 9.0368% | 4,504 |
| Tier 1 risk-based capital ratio | 15.9269% | 2,430 |
| Total risk-based capital ratio | 16.9316% | 2,448 |
| Memoranda: | ||
| Average total assets | $272,796,400 | 2,315 |
| Average earning assets | $251,940,400 | 2,325 |
| Average equity | $25,760,600 | 2,656 |
| Average total loans | $123,367,800 | 2,905 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 4,188 |
| Cost of funding earning assets | 0.6204% | 3,581 |
| Net interest margin | 3.4633% | 3,688 |
| Noninterest income to average assets | 0.4581% | 2,970 |
| Noninterest expense to average assets | 2.3932% | 3,706 |
| Loan and lease loss provision to assets | 0.2606% | 611 |
| Net operating income to assets | 0.9621% | 3,112 |
| Return on assets (ROA) | 0.9597% | 3,205 |
| Pretax return on assets | 1.0032% | 3,589 |
| Return on Equity (ROE) | 10.2882% | 2,311 |
| Retained earnings to average equity (ytd only) | 1.3784% | 4,464 |
| Net charge-offs to loans | 0.9780% | 149 |
| Credit loss provision to net charge-offs | 58.7004% | 2,720 |
| Earnings coverage of net charge-offs (x) | 2.8524% | 3,160 |
| Efficiency ratio | 65.3975% | 2,804 |
| Assets per employee ($millions) | 5.1481% | 2,397 |
| Cash dividends to net income (ytd only)* | 86.6021% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,162 |
| Loan loss allowance to noncurrent loans | 235.3303% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.9648% | 1,395 |
| Noncurrent loans to loans | 0.5361% | 2,681 |
| Net loans and leases to total assets | 45.6671% | 4,619 |
| Net loans and leases to deposits | 51.1488% | 4,739 |
| Net loans and leases to core deposits | 58.9296% | 4,567 |
| Total domestic deposits to total assets | 89.2829% | 526 |
| Equity capital to assets | 10.2075% | 3,813 |
| Core capital (leverage) ratio | 9.0303% | 4,615 |
| Tier 1 risk-based capital ratio | 15.8620% | 2,490 |
| Total risk-based capital ratio | 16.8733% | 2,529 |
| Memoranda: | ||
| Average total assets | $272,709,500 | 2,330 |
| Average earning assets | $252,086,750 | 2,343 |
| Average equity | $25,439,500 | 2,696 |
| Average total loans | $123,789,000 | 2,926 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 4,320 |
| Cost of funding earning assets | 0.6039% | 3,632 |
| Net interest margin | 3.4235% | 3,821 |
| Noninterest income to average assets | 0.4658% | 2,871 |
| Noninterest expense to average assets | 2.3427% | 3,885 |
| Loan and lease loss provision to assets | 0.0196% | 3,399 |
| Net operating income to assets | 1.2219% | 2,066 |
| Return on assets (ROA) | 1.2177% | 2,139 |
| Pretax return on assets | 1.2735% | 2,660 |
| Return on Equity (ROE) | 13.4555% | 1,109 |
| Retained earnings to average equity (ytd only) | 0.6484% | 4,525 |
| Net charge-offs to loans | -0.0080% | 4,257 |
| Credit loss provision to net charge-offs | -540.0000% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3582% | 3,077 |
| Assets per employee ($millions) | 5.2943% | 2,159 |
| Cash dividends to net income (ytd only)* | 95.1814% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 1,152 |
| Loan loss allowance to noncurrent loans | 57.3964% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.3892% | 865 |
| Noncurrent loans to loans | 2.6898% | 407 |
| Net loans and leases to total assets | 45.8207% | 4,645 |
| Net loans and leases to deposits | 52.2482% | 4,730 |
| Net loans and leases to core deposits | 58.9429% | 4,611 |
| Total domestic deposits to total assets | 87.6982% | 1,244 |
| Equity capital to assets | 9.7793% | 4,157 |
| Core capital (leverage) ratio | 8.7415% | 4,809 |
| Tier 1 risk-based capital ratio | 14.9564% | 2,866 |
| Total risk-based capital ratio | 16.1732% | 2,797 |
| Memoranda: | ||
| Average total assets | $276,095,330 | 2,318 |
| Average earning assets | $255,999,000 | 2,321 |
| Average equity | $24,986,000 | 2,726 |
| Average total loans | $124,574,670 | 2,931 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 4,321 |
| Cost of funding earning assets | 0.5656% | 3,756 |
| Net interest margin | 3.4584% | 3,720 |
| Noninterest income to average assets | 0.5173% | 2,449 |
| Noninterest expense to average assets | 2.3014% | 4,016 |
| Loan and lease loss provision to assets | -0.0043% | 5,192 |
| Net operating income to assets | 1.3656% | 1,470 |
| Return on assets (ROA) | 1.3656% | 1,515 |
| Pretax return on assets | 1.4272% | 1,995 |
| Return on Equity (ROE) | 15.7024% | 632 |
| Retained earnings to average equity (ytd only) | 2.5210% | 3,919 |
| Net charge-offs to loans | -0.0129% | 4,327 |
| Credit loss provision to net charge-offs | 75.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7930% | 3,565 |
| Assets per employee ($millions) | 5.6025% | 1,882 |
| Cash dividends to net income (ytd only)* | 83.9454% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 1,136 |
| Loan loss allowance to noncurrent loans | 760.5578% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 4,290 |
| Noncurrent loans to loans | 0.2061% | 3,847 |
| Net loans and leases to total assets | 41.9568% | 4,831 |
| Net loans and leases to deposits | 46.2078% | 4,924 |
| Net loans and leases to core deposits | 51.2461% | 4,858 |
| Total domestic deposits to total assets | 90.8002% | 206 |
| Equity capital to assets | 8.7948% | 4,825 |
| Core capital (leverage) ratio | 8.6341% | 4,928 |
| Tier 1 risk-based capital ratio | 15.3934% | 2,710 |
| Total risk-based capital ratio | 16.6220% | 2,631 |
| Memoranda: | ||
| Average total assets | $279,138,500 | 2,321 |
| Average earning assets | $258,848,500 | 2,325 |
| Average equity | $24,276,500 | 2,780 |
| Average total loans | $124,032,000 | 2,977 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 4,177 |
| Cost of funding earning assets | 0.4865% | 3,435 |
| Net interest margin | 3.4601% | 3,834 |
| Noninterest income to average assets | 0.4284% | 3,254 |
| Noninterest expense to average assets | 2.4856% | 3,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1231% | 2,504 |
| Return on assets (ROA) | 1.1192% | 2,516 |
| Pretax return on assets | 1.1639% | 3,044 |
| Return on Equity (ROE) | 12.9852% | 1,362 |
| Retained earnings to average equity (ytd only) | 0.9778% | 4,710 |
| Net charge-offs to loans | -0.0015% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0324% | 2,538 |
| Assets per employee ($millions) | 5.2414% | 2,210 |
| Cash dividends to net income (ytd only)* | 92.4703% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 1,260 |
| Loan loss allowance to noncurrent loans | 1,223.0769% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 4,448 |
| Noncurrent loans to loans | 0.1235% | 4,175 |
| Net loans and leases to total assets | 45.6302% | 4,752 |
| Net loans and leases to deposits | 50.1106% | 4,881 |
| Net loans and leases to core deposits | 58.0192% | 4,702 |
| Total domestic deposits to total assets | 91.0590% | 190 |
| Equity capital to assets | 8.5943% | 4,874 |
| Core capital (leverage) ratio | 9.1031% | 4,558 |
| Tier 1 risk-based capital ratio | 15.4082% | 2,661 |
| Total risk-based capital ratio | 16.6453% | 2,585 |
| Memoranda: | ||
| Average total assets | $270,557,600 | 2,329 |
| Average earning assets | $252,186,200 | 2,324 |
| Average equity | $23,318,800 | 2,786 |
| Average total loans | $129,222,600 | 2,881 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9477% | 4,086 |
| Cost of funding earning assets | 0.4736% | 3,369 |
| Net interest margin | 3.4741% | 3,787 |
| Noninterest income to average assets | 0.4448% | 3,204 |
| Noninterest expense to average assets | 2.3273% | 4,028 |
| Loan and lease loss provision to assets | 0.0005% | 3,946 |
| Net operating income to assets | 1.3027% | 1,843 |
| Return on assets (ROA) | 1.2975% | 1,875 |
| Pretax return on assets | 1.3567% | 2,398 |
| Return on Equity (ROE) | 15.0431% | 871 |
| Retained earnings to average equity (ytd only) | 3.0223% | 4,229 |
| Net charge-offs to loans | -0.0164% | 4,562 |
| Credit loss provision to net charge-offs | -6.2500% | 4,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0720% | 3,323 |
| Assets per employee ($millions) | 4.9842% | 2,486 |
| Cash dividends to net income (ytd only)* | 79.9087% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 1,378 |
| Loan loss allowance to noncurrent loans | 5,197.2973% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 4,818 |
| Noncurrent loans to loans | 0.0287% | 4,766 |
| Net loans and leases to total assets | 49.0358% | 4,662 |
| Net loans and leases to deposits | 56.0100% | 4,753 |
| Net loans and leases to core deposits | 62.9914% | 4,573 |
| Total domestic deposits to total assets | 87.5482% | 1,461 |
| Equity capital to assets | 8.7388% | 4,768 |
| Core capital (leverage) ratio | 9.0879% | 4,623 |
| Tier 1 risk-based capital ratio | 15.5511% | 2,626 |
| Total risk-based capital ratio | 16.7938% | 2,565 |
| Memoranda: | ||
| Average total assets | $270,059,000 | 2,340 |
| Average earning assets | $252,259,750 | 2,335 |
| Average equity | $23,292,500 | 2,800 |
| Average total loans | $129,959,750 | 2,899 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8318% | 4,266 |
| Cost of funding earning assets | 0.4327% | 3,478 |
| Net interest margin | 3.3991% | 3,955 |
| Noninterest income to average assets | 0.4611% | 3,085 |
| Noninterest expense to average assets | 2.2529% | 4,253 |
| Loan and lease loss provision to assets | 0.0037% | 3,744 |
| Net operating income to assets | 1.3241% | 1,687 |
| Return on assets (ROA) | 1.3241% | 1,685 |
| Pretax return on assets | 1.3848% | 2,205 |
| Return on Equity (ROE) | 15.4167% | 772 |
| Retained earnings to average equity (ytd only) | 4.3561% | 3,421 |
| Net charge-offs to loans | -0.0169% | 4,498 |
| Credit loss provision to net charge-offs | -45.4545% | 4,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8704% | 3,640 |
| Assets per employee ($millions) | 5.3004% | 2,103 |
| Cash dividends to net income (ytd only)* | 71.7439% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 1,499 |
| Loan loss allowance to noncurrent loans | 4,928.2051% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 4,740 |
| Noncurrent loans to loans | 0.0297% | 4,786 |
| Net loans and leases to total assets | 46.8816% | 4,774 |
| Net loans and leases to deposits | 51.3988% | 4,931 |
| Net loans and leases to core deposits | 57.6981% | 4,803 |
| Total domestic deposits to total assets | 91.2115% | 201 |
| Equity capital to assets | 8.4130% | 5,004 |
| Core capital (leverage) ratio | 8.7643% | 4,919 |
| Tier 1 risk-based capital ratio | 15.4582% | 2,656 |
| Total risk-based capital ratio | 16.6937% | 2,594 |
| Memoranda: | ||
| Average total assets | $273,686,670 | 2,322 |
| Average earning assets | $256,064,330 | 2,310 |
| Average equity | $23,507,000 | 2,796 |
| Average total loans | $130,275,670 | 2,907 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7468% | 4,365 |
| Cost of funding earning assets | 0.4041% | 3,546 |
| Net interest margin | 3.3427% | 4,073 |
| Noninterest income to average assets | 0.4840% | 2,906 |
| Noninterest expense to average assets | 2.2661% | 4,262 |
| Loan and lease loss provision to assets | -0.0029% | 5,392 |
| Net operating income to assets | 1.2922% | 1,669 |
| Return on assets (ROA) | 1.2922% | 1,673 |
| Pretax return on assets | 1.3508% | 2,181 |
| Return on Equity (ROE) | 14.8902% | 819 |
| Retained earnings to average equity (ytd only) | 6.4395% | 2,533 |
| Net charge-offs to loans | -0.0062% | 4,077 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7029% | 3,674 |
| Assets per employee ($millions) | 5.2705% | 2,167 |
| Cash dividends to net income (ytd only)* | 56.7537% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 1,360 |
| Loan loss allowance to noncurrent loans | 2,412.6582% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 4,825 |
| Noncurrent loans to loans | 0.0633% | 4,694 |
| Net loans and leases to total assets | 44.8496% | 4,858 |
| Net loans and leases to deposits | 49.2139% | 4,999 |
| Net loans and leases to core deposits | 54.9821% | 4,882 |
| Total domestic deposits to total assets | 91.1321% | 280 |
| Equity capital to assets | 8.5194% | 4,962 |
| Core capital (leverage) ratio | 8.7672% | 4,931 |
| Tier 1 risk-based capital ratio | 15.4489% | 2,681 |
| Total risk-based capital ratio | 16.6800% | 2,623 |
| Memoranda: | ||
| Average total assets | $272,719,000 | 2,349 |
| Average earning assets | $255,365,500 | 2,327 |
| Average equity | $23,666,500 | 2,803 |
| Average total loans | $129,844,500 | 2,937 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8051% | 4,039 |
| Cost of funding earning assets | 0.3457% | 3,751 |
| Net interest margin | 3.4594% | 3,657 |
| Noninterest income to average assets | 0.4193% | 3,505 |
| Noninterest expense to average assets | 2.4035% | 4,070 |
| Loan and lease loss provision to assets | -0.0004% | 5,278 |
| Net operating income to assets | 1.1945% | 1,538 |
| Return on assets (ROA) | 1.1931% | 1,567 |
| Pretax return on assets | 1.2410% | 2,591 |
| Return on Equity (ROE) | 13.3414% | 875 |
| Retained earnings to average equity (ytd only) | 3.4528% | 3,215 |
| Net charge-offs to loans | -0.1573% | 5,475 |
| Credit loss provision to net charge-offs | 0.4630% | 3,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9288% | 3,281 |
| Assets per employee ($millions) | 5.1202% | 2,337 |
| Cash dividends to net income (ytd only)* | 74.1198% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 1,713 |
| Loan loss allowance to noncurrent loans | 2,324.3902% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0579% | 4,842 |
| Noncurrent loans to loans | 0.0608% | 4,719 |
| Net loans and leases to total assets | 48.9953% | 4,704 |
| Net loans and leases to deposits | 53.9681% | 4,899 |
| Net loans and leases to core deposits | 62.9195% | 4,602 |
| Total domestic deposits to total assets | 90.7857% | 303 |
| Equity capital to assets | 8.8381% | 4,863 |
| Core capital (leverage) ratio | 8.6997% | 4,954 |
| Tier 1 risk-based capital ratio | 14.6908% | 2,997 |
| Total risk-based capital ratio | 15.8804% | 2,948 |
| Memoranda: | ||
| Average total assets | $271,394,400 | 2,343 |
| Average earning assets | $253,104,800 | 2,329 |
| Average equity | $24,270,400 | 2,733 |
| Average total loans | $137,327,600 | 2,819 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7943% | 4,030 |
| Cost of funding earning assets | 0.3348% | 3,817 |
| Net interest margin | 3.4595% | 3,640 |
| Noninterest income to average assets | 0.4269% | 3,505 |
| Noninterest expense to average assets | 2.2593% | 4,396 |
| Loan and lease loss provision to assets | -0.0005% | 5,429 |
| Net operating income to assets | 1.3309% | 1,250 |
| Return on assets (ROA) | 1.3323% | 1,271 |
| Pretax return on assets | 1.3932% | 2,137 |
| Return on Equity (ROE) | 14.8546% | 669 |
| Retained earnings to average equity (ytd only) | 3.8999% | 3,600 |
| Net charge-offs to loans | -0.2155% | 5,555 |
| Credit loss provision to net charge-offs | 0.4484% | 3,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8894% | 3,900 |
| Assets per employee ($millions) | 5.3516% | 2,066 |
| Cash dividends to net income (ytd only)* | 73.7463% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 2,072 |
| Loan loss allowance to noncurrent loans | 1,159.3939% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 4,927 |
| Noncurrent loans to loans | 0.1175% | 4,586 |
| Net loans and leases to total assets | 51.7696% | 4,585 |
| Net loans and leases to deposits | 58.4358% | 4,725 |
| Net loans and leases to core deposits | 65.8048% | 4,494 |
| Total domestic deposits to total assets | 88.5922% | 1,076 |
| Equity capital to assets | 9.3609% | 4,584 |
| Core capital (leverage) ratio | 8.6039% | 5,157 |
| Tier 1 risk-based capital ratio | 14.0955% | 3,396 |
| Total risk-based capital ratio | 15.2473% | 3,357 |
| Memoranda: | ||
| Average total assets | $271,400,250 | 2,357 |
| Average earning assets | $252,898,750 | 2,351 |
| Average equity | $24,342,000 | 2,750 |
| Average total loans | $137,943,250 | 2,826 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6896% | 4,257 |
| Cost of funding earning assets | 0.3119% | 3,960 |
| Net interest margin | 3.3777% | 3,845 |
| Noninterest income to average assets | 0.4203% | 3,563 |
| Noninterest expense to average assets | 2.2518% | 4,458 |
| Loan and lease loss provision to assets | -0.0044% | 5,526 |
| Net operating income to assets | 1.2609% | 1,405 |
| Return on assets (ROA) | 1.2630% | 1,423 |
| Pretax return on assets | 1.3210% | 2,308 |
| Return on Equity (ROE) | 14.2865% | 776 |
| Retained earnings to average equity (ytd only) | 3.9159% | 3,366 |
| Net charge-offs to loans | -0.0073% | 4,433 |
| Credit loss provision to net charge-offs | 120.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1427% | 3,808 |
| Assets per employee ($millions) | 5.5125% | 1,860 |
| Cash dividends to net income (ytd only)* | 72.5900% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,622 |
| Loan loss allowance to noncurrent loans | 2,770.4918% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 5,183 |
| Noncurrent loans to loans | 0.0455% | 4,966 |
| Net loans and leases to total assets | 48.0399% | 4,821 |
| Net loans and leases to deposits | 53.0516% | 5,014 |
| Net loans and leases to core deposits | 60.4532% | 4,798 |
| Total domestic deposits to total assets | 90.5531% | 339 |
| Equity capital to assets | 9.0304% | 4,869 |
| Core capital (leverage) ratio | 8.4562% | 5,246 |
| Tier 1 risk-based capital ratio | 14.4578% | 3,192 |
| Total risk-based capital ratio | 15.5123% | 3,201 |
| Memoranda: | ||
| Average total assets | $272,673,670 | 2,354 |
| Average earning assets | $253,960,000 | 2,346 |
| Average equity | $24,106,670 | 2,771 |
| Average total loans | $137,111,670 | 2,846 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6416% | 4,301 |
| Cost of funding earning assets | 0.3008% | 4,037 |
| Net interest margin | 3.3408% | 3,879 |
| Noninterest income to average assets | 0.4395% | 3,382 |
| Noninterest expense to average assets | 2.2404% | 4,557 |
| Loan and lease loss provision to assets | -0.0044% | 5,642 |
| Net operating income to assets | 1.2581% | 1,352 |
| Return on assets (ROA) | 1.2581% | 1,388 |
| Pretax return on assets | 1.3156% | 2,180 |
| Return on Equity (ROE) | 14.3875% | 740 |
| Retained earnings to average equity (ytd only) | 5.9540% | 2,368 |
| Net charge-offs to loans | -0.0058% | 4,229 |
| Credit loss provision to net charge-offs | 150.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0814% | 3,976 |
| Assets per employee ($millions) | 5.6964% | 1,725 |
| Cash dividends to net income (ytd only)* | 58.6166% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,832 |
| Loan loss allowance to noncurrent loans | 1,289.3130% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 5,119 |
| Noncurrent loans to loans | 0.0969% | 4,803 |
| Net loans and leases to total assets | 47.8519% | 4,837 |
| Net loans and leases to deposits | 52.5960% | 5,005 |
| Net loans and leases to core deposits | 54.4256% | 5,042 |
| Total domestic deposits to total assets | 90.9801% | 307 |
| Equity capital to assets | 8.6384% | 5,118 |
| Core capital (leverage) ratio | 8.3739% | 5,325 |
| Tier 1 risk-based capital ratio | 14.2914% | 3,321 |
| Total risk-based capital ratio | 15.3385% | 3,342 |
| Memoranda: | ||
| Average total assets | $271,198,000 | 2,387 |
| Average earning assets | $252,633,000 | 2,378 |
| Average equity | $23,715,000 | 2,822 |
| Average total loans | $138,617,500 | 2,839 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7439% | 4,077 |
| Cost of funding earning assets | 0.2942% | 4,127 |
| Net interest margin | 3.4497% | 3,631 |
| Noninterest income to average assets | 0.4385% | 3,628 |
| Noninterest expense to average assets | 2.3865% | 4,332 |
| Loan and lease loss provision to assets | 0.0978% | 2,418 |
| Net operating income to assets | 1.1347% | 1,748 |
| Return on assets (ROA) | 1.1560% | 1,763 |
| Pretax return on assets | 1.2041% | 2,653 |
| Return on Equity (ROE) | 12.3729% | 1,152 |
| Retained earnings to average equity (ytd only) | 2.3104% | 4,214 |
| Net charge-offs to loans | 0.0816% | 2,523 |
| Credit loss provision to net charge-offs | 234.2342% | 1,229 |
| Earnings coverage of net charge-offs (x) | 30.6577% | 1,415 |
| Efficiency ratio | 65.0939% | 3,743 |
| Assets per employee ($millions) | 5.2654% | 2,098 |
| Cash dividends to net income (ytd only)* | 81.3273% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 3,173 |
| Loan loss allowance to noncurrent loans | 1,397.5207% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 5,156 |
| Noncurrent loans to loans | 0.0852% | 4,900 |
| Net loans and leases to total assets | 53.2867% | 4,503 |
| Net loans and leases to deposits | 58.8395% | 4,744 |
| Net loans and leases to core deposits | 60.8746% | 4,816 |
| Total domestic deposits to total assets | 90.5629% | 428 |
| Equity capital to assets | 8.8571% | 4,961 |
| Core capital (leverage) ratio | 8.5027% | 5,261 |
| Tier 1 risk-based capital ratio | 13.4628% | 3,792 |
| Total risk-based capital ratio | 14.4657% | 3,862 |
| Memoranda: | ||
| Average total assets | $265,914,800 | 2,387 |
| Average earning assets | $248,806,600 | 2,366 |
| Average equity | $24,844,600 | 2,736 |
| Average total loans | $136,008,000 | 2,828 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 4,180 |
| Cost of funding earning assets | 0.2933% | 4,177 |
| Net interest margin | 3.4274% | 3,745 |
| Noninterest income to average assets | 0.4401% | 3,632 |
| Noninterest expense to average assets | 2.2627% | 4,620 |
| Loan and lease loss provision to assets | 0.0580% | 3,087 |
| Net operating income to assets | 1.2706% | 1,383 |
| Return on assets (ROA) | 1.2989% | 1,395 |
| Pretax return on assets | 1.3579% | 2,200 |
| Return on Equity (ROE) | 13.7261% | 872 |
| Retained earnings to average equity (ytd only) | 2.6268% | 4,340 |
| Net charge-offs to loans | -0.0644% | 5,443 |
| Credit loss provision to net charge-offs | -178.4615% | 4,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0066% | 4,231 |
| Assets per employee ($millions) | 5.2031% | 2,143 |
| Cash dividends to net income (ytd only)* | 80.8625% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 3,201 |
| Loan loss allowance to noncurrent loans | 385.2349% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 4,741 |
| Noncurrent loans to loans | 0.3129% | 4,133 |
| Net loans and leases to total assets | 54.2525% | 4,475 |
| Net loans and leases to deposits | 60.5003% | 4,719 |
| Net loans and leases to core deposits | 63.0588% | 4,770 |
| Total domestic deposits to total assets | 89.6730% | 595 |
| Equity capital to assets | 9.8853% | 4,262 |
| Core capital (leverage) ratio | 8.5552% | 5,312 |
| Tier 1 risk-based capital ratio | 13.5369% | 3,842 |
| Total risk-based capital ratio | 14.5673% | 3,883 |
| Memoranda: | ||
| Average total assets | $266,576,000 | 2,395 |
| Average earning assets | $249,589,000 | 2,377 |
| Average equity | $25,226,250 | 2,717 |
| Average total loans | $134,515,250 | 2,856 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6322% | 4,498 |
| Cost of funding earning assets | 0.2913% | 4,236 |
| Net interest margin | 3.3409% | 4,088 |
| Noninterest income to average assets | 0.4533% | 3,498 |
| Noninterest expense to average assets | 2.2328% | 4,772 |
| Loan and lease loss provision to assets | 0.0335% | 3,480 |
| Net operating income to assets | 1.2618% | 1,387 |
| Return on assets (ROA) | 1.3047% | 1,358 |
| Pretax return on assets | 1.3643% | 2,153 |
| Return on Equity (ROE) | 13.9889% | 831 |
| Retained earnings to average equity (ytd only) | 3.6149% | 3,592 |
| Net charge-offs to loans | -0.0941% | 5,595 |
| Credit loss provision to net charge-offs | -72.5806% | 4,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2665% | 4,303 |
| Assets per employee ($millions) | 5.2702% | 2,013 |
| Cash dividends to net income (ytd only)* | 74.1586% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 3,449 |
| Loan loss allowance to noncurrent loans | 396.3942% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 4,867 |
| Noncurrent loans to loans | 0.2983% | 4,302 |
| Net loans and leases to total assets | 51.2642% | 4,741 |
| Net loans and leases to deposits | 57.0695% | 4,950 |
| Net loans and leases to core deposits | 59.1081% | 5,016 |
| Total domestic deposits to total assets | 89.8277% | 555 |
| Equity capital to assets | 9.7102% | 4,549 |
| Core capital (leverage) ratio | 8.4234% | 5,428 |
| Tier 1 risk-based capital ratio | 13.6068% | 3,833 |
| Total risk-based capital ratio | 14.6006% | 3,903 |
| Memoranda: | ||
| Average total assets | $268,716,670 | 2,396 |
| Average earning assets | $251,967,000 | 2,367 |
| Average equity | $25,062,670 | 2,735 |
| Average total loans | $131,733,000 | 2,907 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5688% | 4,713 |
| Cost of funding earning assets | 0.2934% | 4,239 |
| Net interest margin | 3.2754% | 4,318 |
| Noninterest income to average assets | 0.4957% | 3,148 |
| Noninterest expense to average assets | 2.2614% | 4,757 |
| Loan and lease loss provision to assets | -0.0119% | 5,892 |
| Net operating income to assets | 1.2629% | 1,366 |
| Return on assets (ROA) | 1.2744% | 1,418 |
| Pretax return on assets | 1.3324% | 2,173 |
| Return on Equity (ROE) | 13.9502% | 843 |
| Retained earnings to average equity (ytd only) | 5.8017% | 2,469 |
| Net charge-offs to loans | 0.0250% | 2,433 |
| Credit loss provision to net charge-offs | -100.0000% | 4,229 |
| Earnings coverage of net charge-offs (x) | 109.8750% | 506 |
| Efficiency ratio | 63.3445% | 4,246 |
| Assets per employee ($millions) | 5.2598% | 2,069 |
| Cash dividends to net income (ytd only)* | 58.4112% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 3,506 |
| Loan loss allowance to noncurrent loans | 338.3592% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 4,871 |
| Noncurrent loans to loans | 0.3534% | 4,163 |
| Net loans and leases to total assets | 47.0113% | 5,048 |
| Net loans and leases to deposits | 52.1327% | 5,223 |
| Net loans and leases to core deposits | 53.4796% | 5,288 |
| Total domestic deposits to total assets | 90.1763% | 534 |
| Equity capital to assets | 9.3757% | 4,803 |
| Core capital (leverage) ratio | 8.2252% | 5,631 |
| Tier 1 risk-based capital ratio | 14.3973% | 3,447 |
| Total risk-based capital ratio | 15.3746% | 3,532 |
| Memoranda: | ||
| Average total assets | $268,685,000 | 2,397 |
| Average earning assets | $252,184,000 | 2,372 |
| Average equity | $24,544,500 | 2,785 |
| Average total loans | $127,881,000 | 2,967 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5728% | 4,741 |
| Cost of funding earning assets | 0.2944% | 4,315 |
| Net interest margin | 3.2784% | 4,377 |
| Noninterest income to average assets | 0.4021% | 4,018 |
| Noninterest expense to average assets | 2.3432% | 4,669 |
| Loan and lease loss provision to assets | 0.0989% | 2,334 |
| Net operating income to assets | 0.9936% | 2,401 |
| Return on assets (ROA) | 0.9932% | 2,495 |
| Pretax return on assets | 1.0352% | 3,324 |
| Return on Equity (ROE) | 11.1916% | 1,546 |
| Retained earnings to average equity (ytd only) | 2.9563% | 3,959 |
| Net charge-offs to loans | 0.0402% | 3,419 |
| Credit loss provision to net charge-offs | 528.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 60.5400% | 864 |
| Efficiency ratio | 67.3780% | 3,678 |
| Assets per employee ($millions) | 5.2769% | 2,029 |
| Cash dividends to net income (ytd only)* | 73.5849% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 3,460 |
| Loan loss allowance to noncurrent loans | 333.7662% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 4,891 |
| Noncurrent loans to loans | 0.3606% | 4,162 |
| Net loans and leases to total assets | 47.0370% | 5,090 |
| Net loans and leases to deposits | 51.8597% | 5,292 |
| Net loans and leases to core deposits | 53.3276% | 5,355 |
| Total domestic deposits to total assets | 90.7005% | 379 |
| Equity capital to assets | 8.8952% | 5,227 |
| Core capital (leverage) ratio | 8.3062% | 5,599 |
| Tier 1 risk-based capital ratio | 14.5404% | 3,424 |
| Total risk-based capital ratio | 15.5538% | 3,461 |
| Memoranda: | ||
| Average total assets | $266,816,000 | 2,368 |
| Average earning assets | $250,308,800 | 2,336 |
| Average equity | $23,678,400 | 2,815 |
| Average total loans | $124,299,200 | 2,982 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5792% | 4,796 |
| Cost of funding earning assets | 0.2955% | 4,390 |
| Net interest margin | 3.2837% | 4,420 |
| Noninterest income to average assets | 0.4046% | 4,054 |
| Noninterest expense to average assets | 2.2430% | 4,928 |
| Loan and lease loss provision to assets | 0.1152% | 1,960 |
| Net operating income to assets | 1.0747% | 2,113 |
| Return on assets (ROA) | 1.0752% | 2,200 |
| Pretax return on assets | 1.1243% | 3,124 |
| Return on Equity (ROE) | 12.1229% | 1,341 |
| Retained earnings to average equity (ytd only) | 1.1123% | 5,272 |
| Net charge-offs to loans | 0.0508% | 2,889 |
| Credit loss provision to net charge-offs | 489.3617% | 663 |
| Earnings coverage of net charge-offs (x) | 52.6341% | 1,009 |
| Efficiency ratio | 64.4182% | 4,169 |
| Assets per employee ($millions) | 5.1451% | 2,114 |
| Cash dividends to net income (ytd only)* | 90.8244% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 3,703 |
| Loan loss allowance to noncurrent loans | 341.0835% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 5,039 |
| Noncurrent loans to loans | 0.3494% | 4,362 |
| Net loans and leases to total assets | 48.7038% | 5,032 |
| Net loans and leases to deposits | 54.6732% | 5,207 |
| Net loans and leases to core deposits | 56.2255% | 5,298 |
| Total domestic deposits to total assets | 89.0817% | 990 |
| Equity capital to assets | 9.3389% | 4,956 |
| Core capital (leverage) ratio | 8.1935% | 5,779 |
| Tier 1 risk-based capital ratio | 14.4828% | 3,585 |
| Total risk-based capital ratio | 15.4949% | 3,637 |
| Memoranda: | ||
| Average total assets | $266,239,500 | 2,391 |
| Average earning assets | $249,508,500 | 2,362 |
| Average equity | $23,613,250 | 2,842 |
| Average total loans | $123,341,750 | 3,020 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4431% | 5,129 |
| Cost of funding earning assets | 0.2904% | 4,503 |
| Net interest margin | 3.1528% | 4,820 |
| Noninterest income to average assets | 0.4829% | 3,483 |
| Noninterest expense to average assets | 2.2820% | 4,884 |
| Loan and lease loss provision to assets | 0.0698% | 2,713 |
| Net operating income to assets | 1.0355% | 2,200 |
| Return on assets (ROA) | 1.0355% | 2,317 |
| Pretax return on assets | 1.0831% | 3,244 |
| Return on Equity (ROE) | 11.8760% | 1,411 |
| Retained earnings to average equity (ytd only) | 0.8008% | 5,238 |
| Net charge-offs to loans | 0.0524% | 2,670 |
| Credit loss provision to net charge-offs | 293.7500% | 939 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 978 |
| Efficiency ratio | 66.4360% | 3,938 |
| Assets per employee ($millions) | 5.2446% | 1,994 |
| Cash dividends to net income (ytd only)* | 93.2568% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 4,262 |
| Loan loss allowance to noncurrent loans | 96.7293% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 3,435 |
| Noncurrent loans to loans | 1.1504% | 2,348 |
| Net loans and leases to total assets | 46.1834% | 5,232 |
| Net loans and leases to deposits | 51.0598% | 5,448 |
| Net loans and leases to core deposits | 52.7368% | 5,499 |
| Total domestic deposits to total assets | 90.4495% | 474 |
| Equity capital to assets | 8.6566% | 5,561 |
| Core capital (leverage) ratio | 8.0601% | 5,899 |
| Tier 1 risk-based capital ratio | 14.3956% | 3,702 |
| Total risk-based capital ratio | 15.3254% | 3,816 |
| Memoranda: | ||
| Average total assets | $269,233,670 | 2,379 |
| Average earning assets | $252,095,670 | 2,358 |
| Average equity | $23,476,000 | 2,868 |
| Average total loans | $122,187,330 | 3,048 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4072% | 5,183 |
| Cost of funding earning assets | 0.2877% | 4,578 |
| Net interest margin | 3.1195% | 4,885 |
| Noninterest income to average assets | 0.5376% | 3,037 |
| Noninterest expense to average assets | 2.2124% | 5,114 |
| Loan and lease loss provision to assets | 0.0030% | 3,672 |
| Net operating income to assets | 1.2054% | 1,532 |
| Return on assets (ROA) | 1.2054% | 1,624 |
| Pretax return on assets | 1.2602% | 2,423 |
| Return on Equity (ROE) | 13.7750% | 920 |
| Retained earnings to average equity (ytd only) | 2.7753% | 4,290 |
| Net charge-offs to loans | 0.0463% | 2,331 |
| Credit loss provision to net charge-offs | 14.2857% | 2,402 |
| Earnings coverage of net charge-offs (x) | 60.9286% | 731 |
| Efficiency ratio | 63.6557% | 4,529 |
| Assets per employee ($millions) | 5.5479% | 1,758 |
| Cash dividends to net income (ytd only)* | 79.8526% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 4,389 |
| Loan loss allowance to noncurrent loans | 124.5033% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 3,947 |
| Noncurrent loans to loans | 0.9049% | 2,976 |
| Net loans and leases to total assets | 42.4831% | 5,450 |
| Net loans and leases to deposits | 46.7925% | 5,630 |
| Net loans and leases to core deposits | 48.2969% | 5,657 |
| Total domestic deposits to total assets | 90.7905% | 442 |
| Equity capital to assets | 8.8468% | 5,447 |
| Core capital (leverage) ratio | 7.9419% | 5,973 |
| Tier 1 risk-based capital ratio | 14.9441% | 3,459 |
| Total risk-based capital ratio | 15.8550% | 3,585 |
| Memoranda: | ||
| Average total assets | $270,114,000 | 2,384 |
| Average earning assets | $254,400,000 | 2,352 |
| Average equity | $23,637,000 | 2,867 |
| Average total loans | $120,822,000 | 3,085 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6266% | 5,011 |
| Cost of funding earning assets | 0.3014% | 4,780 |
| Net interest margin | 3.3253% | 4,486 |
| Noninterest income to average assets | 0.4850% | 3,620 |
| Noninterest expense to average assets | 2.3749% | 4,906 |
| Loan and lease loss provision to assets | 0.1814% | 1,418 |
| Net operating income to assets | 0.9785% | 2,490 |
| Return on assets (ROA) | 0.9977% | 2,472 |
| Pretax return on assets | 1.0432% | 3,333 |
| Return on Equity (ROE) | 11.4953% | 1,561 |
| Retained earnings to average equity (ytd only) | 4.1720% | 3,229 |
| Net charge-offs to loans | 0.5693% | 713 |
| Credit loss provision to net charge-offs | 67.6724% | 3,119 |
| Earnings coverage of net charge-offs (x) | 4.4928% | 3,639 |
| Efficiency ratio | 66.3474% | 4,191 |
| Assets per employee ($millions) | 5.3676% | 1,894 |
| Cash dividends to net income (ytd only)* | 63.7066% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 4,740 |
| Loan loss allowance to noncurrent loans | 118.6774% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 3,961 |
| Noncurrent loans to loans | 0.8964% | 3,074 |
| Net loans and leases to total assets | 46.0207% | 5,321 |
| Net loans and leases to deposits | 50.5701% | 5,554 |
| Net loans and leases to core deposits | 51.9310% | 5,618 |
| Total domestic deposits to total assets | 91.0038% | 365 |
| Equity capital to assets | 8.6534% | 5,610 |
| Core capital (leverage) ratio | 8.0777% | 5,947 |
| Tier 1 risk-based capital ratio | 14.2482% | 3,932 |
| Total risk-based capital ratio | 15.1313% | 4,123 |
| Memoranda: | ||
| Average total assets | $259,588,000 | 2,431 |
| Average earning assets | $241,575,800 | 2,420 |
| Average equity | $22,531,000 | 2,897 |
| Average total loans | $122,247,200 | 2,999 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6490% | 5,003 |
| Cost of funding earning assets | 0.3011% | 4,877 |
| Net interest margin | 3.3479% | 4,437 |
| Noninterest income to average assets | 0.5014% | 3,539 |
| Noninterest expense to average assets | 2.2471% | 5,231 |
| Loan and lease loss provision to assets | 0.1518% | 1,641 |
| Net operating income to assets | 1.1599% | 1,825 |
| Return on assets (ROA) | 1.1857% | 1,804 |
| Pretax return on assets | 1.2396% | 2,614 |
| Return on Equity (ROE) | 13.6504% | 1,063 |
| Retained earnings to average equity (ytd only) | 3.8107% | 3,944 |
| Net charge-offs to loans | 0.4397% | 895 |
| Credit loss provision to net charge-offs | 73.0673% | 2,712 |
| Earnings coverage of net charge-offs (x) | 6.5686% | 3,059 |
| Efficiency ratio | 62.2203% | 4,856 |
| Assets per employee ($millions) | 5.0576% | 2,173 |
| Cash dividends to net income (ytd only)* | 72.0841% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 4,648 |
| Loan loss allowance to noncurrent loans | 83.3814% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 0.8225% | 3,363 |
| Noncurrent loans to loans | 1.3468% | 2,391 |
| Net loans and leases to total assets | 50.3112% | 4,971 |
| Net loans and leases to deposits | 56.4008% | 5,216 |
| Net loans and leases to core deposits | 57.9509% | 5,335 |
| Total domestic deposits to total assets | 89.2031% | 1,125 |
| Equity capital to assets | 9.0704% | 5,277 |
| Core capital (leverage) ratio | 8.3452% | 5,809 |
| Tier 1 risk-based capital ratio | 13.8493% | 4,322 |
| Total risk-based capital ratio | 14.7966% | 4,451 |
| Memoranda: | ||
| Average total assets | $257,390,250 | 2,474 |
| Average earning assets | $239,111,000 | 2,447 |
| Average equity | $22,357,750 | 2,917 |
| Average total loans | $121,599,500 | 3,029 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5943% | 5,171 |
| Cost of funding earning assets | 0.2979% | 4,990 |
| Net interest margin | 3.2964% | 4,605 |
| Noninterest income to average assets | 0.5292% | 3,274 |
| Noninterest expense to average assets | 2.2194% | 5,365 |
| Loan and lease loss provision to assets | 0.0935% | 2,464 |
| Net operating income to assets | 1.2206% | 1,529 |
| Return on assets (ROA) | 1.2221% | 1,582 |
| Pretax return on assets | 1.2777% | 2,342 |
| Return on Equity (ROE) | 14.2750% | 907 |
| Retained earnings to average equity (ytd only) | 4.3493% | 3,408 |
| Net charge-offs to loans | 0.3891% | 1,038 |
| Credit loss provision to net charge-offs | 52.1552% | 2,766 |
| Earnings coverage of net charge-offs (x) | 7.6422% | 2,601 |
| Efficiency ratio | 61.8381% | 5,037 |
| Assets per employee ($millions) | 5.2930% | 1,883 |
| Cash dividends to net income (ytd only)* | 69.5322% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 4,524 |
| Loan loss allowance to noncurrent loans | 76.8657% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7384% | 3,750 |
| Noncurrent loans to loans | 1.5327% | 2,268 |
| Net loans and leases to total assets | 47.6075% | 5,206 |
| Net loans and leases to deposits | 53.0333% | 5,420 |
| Net loans and leases to core deposits | 54.5359% | 5,520 |
| Total domestic deposits to total assets | 89.7691% | 923 |
| Equity capital to assets | 9.0678% | 5,228 |
| Core capital (leverage) ratio | 8.1654% | 5,966 |
| Tier 1 risk-based capital ratio | 14.2515% | 4,100 |
| Total risk-based capital ratio | 15.2317% | 4,210 |
| Memoranda: | ||
| Average total assets | $258,894,330 | 2,466 |
| Average earning assets | $240,324,330 | 2,439 |
| Average equity | $22,164,670 | 2,931 |
| Average total loans | $119,242,330 | 3,076 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5215% | 5,370 |
| Cost of funding earning assets | 0.2961% | 5,104 |
| Net interest margin | 3.2254% | 4,834 |
| Noninterest income to average assets | 0.5985% | 2,743 |
| Noninterest expense to average assets | 2.2563% | 5,314 |
| Loan and lease loss provision to assets | -0.0061% | 6,383 |
| Net operating income to assets | 1.2751% | 1,283 |
| Return on assets (ROA) | 1.2751% | 1,334 |
| Pretax return on assets | 1.3333% | 1,984 |
| Return on Equity (ROE) | 15.3351% | 727 |
| Retained earnings to average equity (ytd only) | 5.2099% | 2,989 |
| Net charge-offs to loans | 0.0204% | 3,174 |
| Credit loss provision to net charge-offs | -66.6667% | 4,781 |
| Earnings coverage of net charge-offs (x) | 144.5000% | 338 |
| Efficiency ratio | 62.9645% | 5,004 |
| Assets per employee ($millions) | 5.1094% | 2,119 |
| Cash dividends to net income (ytd only)* | 66.0264% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 3,747 |
| Loan loss allowance to noncurrent loans | 66.2516% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 3,505 |
| Noncurrent loans to loans | 2.0666% | 1,792 |
| Net loans and leases to total assets | 42.6568% | 5,613 |
| Net loans and leases to deposits | 46.8165% | 5,795 |
| Net loans and leases to core deposits | 48.1716% | 5,869 |
| Total domestic deposits to total assets | 91.1148% | 523 |
| Equity capital to assets | 8.5252% | 5,630 |
| Core capital (leverage) ratio | 8.0764% | 6,062 |
| Tier 1 risk-based capital ratio | 14.8515% | 3,785 |
| Total risk-based capital ratio | 15.9549% | 3,840 |
| Memoranda: | ||
| Average total assets | $261,310,000 | 2,446 |
| Average earning assets | $241,827,500 | 2,423 |
| Average equity | $21,728,000 | 2,969 |
| Average total loans | $117,666,000 | 3,121 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6663% | 5,230 |
| Cost of funding earning assets | 0.3561% | 5,081 |
| Net interest margin | 3.3102% | 4,628 |
| Noninterest income to average assets | 0.5219% | 3,611 |
| Noninterest expense to average assets | 2.3823% | 5,122 |
| Loan and lease loss provision to assets | 0.0456% | 4,206 |
| Net operating income to assets | 1.1293% | 1,835 |
| Return on assets (ROA) | 1.1362% | 1,874 |
| Pretax return on assets | 1.1850% | 2,641 |
| Return on Equity (ROE) | 12.9185% | 1,182 |
| Retained earnings to average equity (ytd only) | 4.1197% | 3,242 |
| Net charge-offs to loans | 0.0290% | 4,844 |
| Credit loss provision to net charge-offs | 348.4848% | 654 |
| Earnings coverage of net charge-offs (x) | 93.4242% | 482 |
| Efficiency ratio | 66.0687% | 4,545 |
| Assets per employee ($millions) | 5.2408% | 1,913 |
| Cash dividends to net income (ytd only)* | 68.1104% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 4,314 |
| Loan loss allowance to noncurrent loans | 55.8834% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0605% | 3,295 |
| Noncurrent loans to loans | 2.2661% | 1,705 |
| Net loans and leases to total assets | 46.2071% | 5,469 |
| Net loans and leases to deposits | 50.4588% | 5,736 |
| Net loans and leases to core deposits | 51.9077% | 5,801 |
| Total domestic deposits to total assets | 91.5738% | 382 |
| Equity capital to assets | 8.1060% | 5,931 |
| Core capital (leverage) ratio | 8.0849% | 6,071 |
| Tier 1 risk-based capital ratio | 13.9382% | 4,335 |
| Total risk-based capital ratio | 14.9949% | 4,431 |
| Memoranda: | ||
| Average total assets | $251,984,000 | 2,510 |
| Average earning assets | $234,762,400 | 2,472 |
| Average equity | $22,162,000 | 2,911 |
| Average total loans | $113,981,600 | 3,171 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 5,185 |
| Cost of funding earning assets | 0.3682% | 5,115 |
| Net interest margin | 3.3234% | 4,554 |
| Noninterest income to average assets | 0.5371% | 3,541 |
| Noninterest expense to average assets | 2.2832% | 5,394 |
| Loan and lease loss provision to assets | 0.0422% | 4,168 |
| Net operating income to assets | 1.2473% | 1,491 |
| Return on assets (ROA) | 1.2565% | 1,534 |
| Pretax return on assets | 1.3137% | 2,286 |
| Return on Equity (ROE) | 13.9985% | 998 |
| Retained earnings to average equity (ytd only) | 4.7694% | 3,256 |
| Net charge-offs to loans | 0.0322% | 4,489 |
| Credit loss provision to net charge-offs | 292.5926% | 871 |
| Earnings coverage of net charge-offs (x) | 93.2939% | 522 |
| Efficiency ratio | 62.9068% | 4,998 |
| Assets per employee ($millions) | 4.7973% | 2,443 |
| Cash dividends to net income (ytd only)* | 65.9295% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 4,449 |
| Loan loss allowance to noncurrent loans | 151.2413% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 5,185 |
| Noncurrent loans to loans | 0.8526% | 4,118 |
| Net loans and leases to total assets | 47.6514% | 5,387 |
| Net loans and leases to deposits | 52.7451% | 5,652 |
| Net loans and leases to core deposits | 54.3837% | 5,735 |
| Total domestic deposits to total assets | 90.3429% | 821 |
| Equity capital to assets | 8.8613% | 5,343 |
| Core capital (leverage) ratio | 8.2493% | 6,015 |
| Tier 1 risk-based capital ratio | 14.4309% | 4,122 |
| Total risk-based capital ratio | 15.5097% | 4,192 |
| Memoranda: | ||
| Average total assets | $249,470,000 | 2,551 |
| Average earning assets | $232,122,500 | 2,511 |
| Average equity | $22,392,250 | 2,911 |
| Average total loans | $111,818,500 | 3,231 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5863% | 5,480 |
| Cost of funding earning assets | 0.3753% | 5,183 |
| Net interest margin | 3.2109% | 4,909 |
| Noninterest income to average assets | 0.5488% | 3,507 |
| Noninterest expense to average assets | 2.2631% | 5,466 |
| Loan and lease loss provision to assets | 0.0032% | 4,745 |
| Net operating income to assets | 1.2250% | 1,531 |
| Return on assets (ROA) | 1.2411% | 1,581 |
| Pretax return on assets | 1.2976% | 2,307 |
| Return on Equity (ROE) | 13.7695% | 1,057 |
| Retained earnings to average equity (ytd only) | 4.9316% | 3,096 |
| Net charge-offs to loans | -0.0237% | 6,025 |
| Credit loss provision to net charge-offs | -30.7692% | 5,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7997% | 4,898 |
| Assets per employee ($millions) | 4.8853% | 2,249 |
| Cash dividends to net income (ytd only)* | 64.1849% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 4,460 |
| Loan loss allowance to noncurrent loans | 149.8489% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 5,286 |
| Noncurrent loans to loans | 0.8738% | 4,177 |
| Net loans and leases to total assets | 45.0125% | 5,636 |
| Net loans and leases to deposits | 50.4696% | 5,805 |
| Net loans and leases to core deposits | 52.1102% | 5,880 |
| Total domestic deposits to total assets | 89.1873% | 1,513 |
| Equity capital to assets | 8.2889% | 5,980 |
| Core capital (leverage) ratio | 7.9743% | 6,204 |
| Tier 1 risk-based capital ratio | 14.4352% | 4,138 |
| Total risk-based capital ratio | 15.5022% | 4,211 |
| Memoranda: | ||
| Average total assets | $251,073,330 | 2,543 |
| Average earning assets | $234,449,670 | 2,500 |
| Average equity | $22,629,670 | 2,909 |
| Average total loans | $109,722,330 | 3,280 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5200% | 5,657 |
| Cost of funding earning assets | 0.3904% | 5,198 |
| Net interest margin | 3.1296% | 5,163 |
| Noninterest income to average assets | 0.5840% | 3,227 |
| Noninterest expense to average assets | 2.2981% | 5,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1602% | 1,639 |
| Return on assets (ROA) | 1.1602% | 1,748 |
| Pretax return on assets | 1.2125% | 2,530 |
| Return on Equity (ROE) | 12.3801% | 1,324 |
| Retained earnings to average equity (ytd only) | 3.9122% | 3,884 |
| Net charge-offs to loans | -0.0557% | 6,180 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4611% | 4,755 |
| Assets per employee ($millions) | 5.1438% | 2,044 |
| Cash dividends to net income (ytd only)* | 68.3995% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 4,007 |
| Loan loss allowance to noncurrent loans | 149.0471% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 5,429 |
| Noncurrent loans to loans | 0.9745% | 4,185 |
| Net loans and leases to total assets | 39.2006% | 6,064 |
| Net loans and leases to deposits | 43.9148% | 6,211 |
| Net loans and leases to core deposits | 45.4365% | 6,245 |
| Total domestic deposits to total assets | 89.2651% | 1,516 |
| Equity capital to assets | 9.1403% | 5,322 |
| Core capital (leverage) ratio | 7.7632% | 6,314 |
| Tier 1 risk-based capital ratio | 14.9530% | 3,872 |
| Total risk-based capital ratio | 16.0751% | 3,919 |
| Memoranda: | ||
| Average total assets | $252,034,500 | 2,562 |
| Average earning assets | $235,683,000 | 2,513 |
| Average equity | $23,618,500 | 2,843 |
| Average total loans | $107,765,000 | 3,338 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0077% | 5,275 |
| Cost of funding earning assets | 0.4767% | 5,374 |
| Net interest margin | 3.5310% | 4,369 |
| Noninterest income to average assets | 0.5202% | 3,770 |
| Noninterest expense to average assets | 2.5564% | 4,912 |
| Loan and lease loss provision to assets | 0.0110% | 5,780 |
| Net operating income to assets | 1.1976% | 1,611 |
| Return on assets (ROA) | 1.2171% | 1,710 |
| Pretax return on assets | 1.2683% | 2,529 |
| Return on Equity (ROE) | 12.1092% | 1,478 |
| Retained earnings to average equity (ytd only) | 4.7461% | 2,887 |
| Net charge-offs to loans | -0.2332% | 6,952 |
| Credit loss provision to net charge-offs | -10.4418% | 6,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0029% | 4,329 |
| Assets per employee ($millions) | 4.9376% | 2,307 |
| Cash dividends to net income (ytd only)* | 60.8061% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 4,640 |
| Loan loss allowance to noncurrent loans | 1,140.3101% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 6,502 |
| Noncurrent loans to loans | 0.1139% | 6,202 |
| Net loans and leases to total assets | 45.2663% | 5,695 |
| Net loans and leases to deposits | 50.3084% | 5,932 |
| Net loans and leases to core deposits | 51.9549% | 6,018 |
| Total domestic deposits to total assets | 89.9777% | 963 |
| Equity capital to assets | 9.6116% | 4,730 |
| Core capital (leverage) ratio | 8.1888% | 6,010 |
| Tier 1 risk-based capital ratio | 14.1387% | 4,283 |
| Total risk-based capital ratio | 15.2013% | 4,382 |
| Memoranda: | ||
| Average total assets | $236,463,400 | 2,668 |
| Average earning assets | $220,674,200 | 2,611 |
| Average equity | $23,767,000 | 2,769 |
| Average total loans | $106,756,600 | 3,358 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 5,304 |
| Cost of funding earning assets | 0.4972% | 5,450 |
| Net interest margin | 3.5683% | 4,363 |
| Noninterest income to average assets | 0.5450% | 3,641 |
| Noninterest expense to average assets | 2.4276% | 5,316 |
| Loan and lease loss provision to assets | 0.0080% | 5,708 |
| Net operating income to assets | 1.3774% | 1,274 |
| Return on assets (ROA) | 1.4037% | 1,335 |
| Pretax return on assets | 1.4675% | 2,015 |
| Return on Equity (ROE) | 13.8060% | 1,150 |
| Retained earnings to average equity (ytd only) | 6.5161% | 2,369 |
| Net charge-offs to loans | -0.3310% | 7,058 |
| Credit loss provision to net charge-offs | -5.3640% | 6,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6361% | 5,042 |
| Assets per employee ($millions) | 4.3519% | 3,161 |
| Cash dividends to net income (ytd only)* | 52.8027% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 4,491 |
| Loan loss allowance to noncurrent loans | 1,793.9024% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 6,678 |
| Noncurrent loans to loans | 0.0765% | 6,427 |
| Net loans and leases to total assets | 46.7360% | 5,685 |
| Net loans and leases to deposits | 52.8582% | 5,899 |
| Net loans and leases to core deposits | 54.6968% | 5,993 |
| Total domestic deposits to total assets | 88.4176% | 1,781 |
| Equity capital to assets | 10.8086% | 3,491 |
| Core capital (leverage) ratio | 8.4772% | 5,784 |
| Tier 1 risk-based capital ratio | 15.1973% | 3,706 |
| Total risk-based capital ratio | 16.3375% | 3,741 |
| Memoranda: | ||
| Average total assets | $233,859,500 | 2,713 |
| Average earning assets | $218,288,000 | 2,660 |
| Average equity | $23,776,500 | 2,795 |
| Average total loans | $105,139,750 | 3,427 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0414% | 5,510 |
| Cost of funding earning assets | 0.5169% | 5,509 |
| Net interest margin | 3.5246% | 4,571 |
| Noninterest income to average assets | 0.5593% | 3,529 |
| Noninterest expense to average assets | 2.4207% | 5,382 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3646% | 1,272 |
| Return on assets (ROA) | 1.4020% | 1,331 |
| Pretax return on assets | 1.4663% | 1,969 |
| Return on Equity (ROE) | 14.0730% | 1,095 |
| Retained earnings to average equity (ytd only) | 6.8539% | 2,186 |
| Net charge-offs to loans | -0.4998% | 7,130 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9068% | 5,097 |
| Assets per employee ($millions) | 4.4322% | 3,035 |
| Cash dividends to net income (ytd only)* | 51.2975% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 4,617 |
| Loan loss allowance to noncurrent loans | 1,548.9362% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 6,731 |
| Noncurrent loans to loans | 0.0878% | 6,442 |
| Net loans and leases to total assets | 44.9565% | 5,931 |
| Net loans and leases to deposits | 51.0425% | 6,103 |
| Net loans and leases to core deposits | 52.7466% | 6,182 |
| Total domestic deposits to total assets | 88.0766% | 2,091 |
| Equity capital to assets | 10.2070% | 4,042 |
| Core capital (leverage) ratio | 8.1241% | 6,132 |
| Tier 1 risk-based capital ratio | 14.5688% | 4,051 |
| Total risk-based capital ratio | 15.6706% | 4,125 |
| Memoranda: | ||
| Average total assets | $236,379,000 | 2,697 |
| Average earning assets | $220,566,000 | 2,642 |
| Average equity | $23,548,670 | 2,805 |
| Average total loans | $104,441,330 | 3,466 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 5,775 |
| Cost of funding earning assets | 0.5504% | 5,496 |
| Net interest margin | 3.4435% | 4,937 |
| Noninterest income to average assets | 0.6073% | 3,184 |
| Noninterest expense to average assets | 2.4562% | 5,300 |
| Loan and lease loss provision to assets | -0.0084% | 7,099 |
| Net operating income to assets | 1.3192% | 1,405 |
| Return on assets (ROA) | 1.3192% | 1,575 |
| Pretax return on assets | 1.3782% | 2,253 |
| Return on Equity (ROE) | 13.4050% | 1,303 |
| Retained earnings to average equity (ytd only) | 4.8340% | 3,649 |
| Net charge-offs to loans | -0.7951% | 7,196 |
| Credit loss provision to net charge-offs | 2.4390% | 3,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1975% | 4,889 |
| Assets per employee ($millions) | 4.3813% | 3,227 |
| Cash dividends to net income (ytd only)* | 63.9386% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 4,629 |
| Loan loss allowance to noncurrent loans | 1,316.9811% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 6,797 |
| Noncurrent loans to loans | 0.1061% | 6,494 |
| Net loans and leases to total assets | 41.6560% | 6,225 |
| Net loans and leases to deposits | 46.5055% | 6,389 |
| Net loans and leases to core deposits | 48.2391% | 6,445 |
| Total domestic deposits to total assets | 89.5723% | 1,323 |
| Equity capital to assets | 9.9324% | 4,215 |
| Core capital (leverage) ratio | 7.8190% | 6,398 |
| Tier 1 risk-based capital ratio | 14.7312% | 3,939 |
| Total risk-based capital ratio | 15.8293% | 3,998 |
| Memoranda: | ||
| Average total assets | $237,115,000 | 2,700 |
| Average earning assets | $221,637,500 | 2,641 |
| Average equity | $23,334,500 | 2,814 |
| Average total loans | $103,131,000 | 3,521 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 5,230 |
| Cost of funding earning assets | 0.7283% | 5,351 |
| Net interest margin | 3.7280% | 4,166 |
| Noninterest income to average assets | 0.5650% | 3,393 |
| Noninterest expense to average assets | 2.5942% | 5,120 |
| Loan and lease loss provision to assets | 0.0766% | 5,654 |
| Net operating income to assets | 1.2860% | 1,285 |
| Return on assets (ROA) | 1.2897% | 1,376 |
| Pretax return on assets | 1.3402% | 1,981 |
| Return on Equity (ROE) | 13.7522% | 998 |
| Retained earnings to average equity (ytd only) | 8.1826% | 1,021 |
| Net charge-offs to loans | 0.1161% | 5,219 |
| Credit loss provision to net charge-offs | 144.2623% | 2,002 |
| Earnings coverage of net charge-offs (x) | 26.6066% | 935 |
| Efficiency ratio | 64.7404% | 4,998 |
| Assets per employee ($millions) | 4.4007% | 3,063 |
| Cash dividends to net income (ytd only)* | 40.4995% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 5,715 |
| Loan loss allowance to noncurrent loans | 912.9771% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 6,821 |
| Noncurrent loans to loans | 0.1232% | 6,497 |
| Net loans and leases to total assets | 44.2333% | 6,189 |
| Net loans and leases to deposits | 49.2667% | 6,419 |
| Net loans and leases to core deposits | 51.0874% | 6,474 |
| Total domestic deposits to total assets | 89.7833% | 1,109 |
| Equity capital to assets | 9.7500% | 4,512 |
| Core capital (leverage) ratio | 7.9206% | 6,337 |
| Tier 1 risk-based capital ratio | 13.9679% | 4,345 |
| Total risk-based capital ratio | 14.8736% | 4,572 |
| Memoranda: | ||
| Average total assets | $229,739,600 | 2,722 |
| Average earning assets | $212,127,200 | 2,709 |
| Average equity | $21,545,600 | 2,942 |
| Average total loans | $105,077,400 | 3,500 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5296% | 5,166 |
| Cost of funding earning assets | 0.7690% | 5,336 |
| Net interest margin | 3.7606% | 4,056 |
| Noninterest income to average assets | 0.5819% | 3,286 |
| Noninterest expense to average assets | 2.4370% | 5,671 |
| Loan and lease loss provision to assets | 0.1019% | 5,170 |
| Net operating income to assets | 1.4408% | 1,076 |
| Return on assets (ROA) | 1.4459% | 1,132 |
| Pretax return on assets | 1.5120% | 1,615 |
| Return on Equity (ROE) | 15.5787% | 739 |
| Retained earnings to average equity (ytd only) | 10.5329% | 719 |
| Net charge-offs to loans | 0.2265% | 4,021 |
| Credit loss provision to net charge-offs | 97.7528% | 3,500 |
| Earnings coverage of net charge-offs (x) | 15.4380% | 1,464 |
| Efficiency ratio | 60.2373% | 5,678 |
| Assets per employee ($millions) | 4.4663% | 2,977 |
| Cash dividends to net income (ytd only)* | 32.3887% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 6,107 |
| Loan loss allowance to noncurrent loans | 136.1244% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 6,160 |
| Noncurrent loans to loans | 0.7597% | 5,357 |
| Net loans and leases to total assets | 47.8131% | 5,978 |
| Net loans and leases to deposits | 54.6158% | 6,151 |
| Net loans and leases to core deposits | 56.8483% | 6,235 |
| Total domestic deposits to total assets | 87.5443% | 2,329 |
| Equity capital to assets | 10.2971% | 3,959 |
| Core capital (leverage) ratio | 7.9261% | 6,461 |
| Tier 1 risk-based capital ratio | 13.7669% | 4,527 |
| Total risk-based capital ratio | 14.6206% | 4,793 |
| Memoranda: | ||
| Average total assets | $227,764,500 | 2,756 |
| Average earning assets | $209,783,750 | 2,738 |
| Average equity | $21,139,500 | 2,989 |
| Average total loans | $104,768,750 | 3,527 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 5,406 |
| Cost of funding earning assets | 0.8193% | 5,249 |
| Net interest margin | 3.6638% | 4,444 |
| Noninterest income to average assets | 0.6112% | 3,063 |
| Noninterest expense to average assets | 2.4385% | 5,732 |
| Loan and lease loss provision to assets | 0.0474% | 5,714 |
| Net operating income to assets | 1.4305% | 1,021 |
| Return on assets (ROA) | 1.4305% | 1,081 |
| Pretax return on assets | 1.4946% | 1,548 |
| Return on Equity (ROE) | 15.9959% | 673 |
| Retained earnings to average equity (ytd only) | 11.0862% | 653 |
| Net charge-offs to loans | 0.2310% | 3,739 |
| Credit loss provision to net charge-offs | 45.3782% | 4,697 |
| Earnings coverage of net charge-offs (x) | 14.7563% | 1,460 |
| Efficiency ratio | 61.2619% | 5,692 |
| Assets per employee ($millions) | 4.4934% | 2,846 |
| Cash dividends to net income (ytd only)* | 30.6937% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 6,192 |
| Loan loss allowance to noncurrent loans | 81.2830% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 5,786 |
| Noncurrent loans to loans | 1.2769% | 4,533 |
| Net loans and leases to total assets | 43.9482% | 6,442 |
| Net loans and leases to deposits | 48.8052% | 6,679 |
| Net loans and leases to core deposits | 51.2589% | 6,704 |
| Total domestic deposits to total assets | 90.0482% | 954 |
| Equity capital to assets | 9.4904% | 4,827 |
| Core capital (leverage) ratio | 7.6962% | 6,588 |
| Tier 1 risk-based capital ratio | 13.7548% | 4,335 |
| Total risk-based capital ratio | 14.5866% | 4,639 |
| Memoranda: | ||
| Average total assets | $227,758,330 | 2,772 |
| Average earning assets | $209,456,000 | 2,764 |
| Average equity | $20,367,670 | 3,077 |
| Average total loans | $103,009,000 | 3,605 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4884% | 5,377 |
| Cost of funding earning assets | 0.8521% | 5,256 |
| Net interest margin | 3.6363% | 4,392 |
| Noninterest income to average assets | 0.6957% | 2,606 |
| Noninterest expense to average assets | 2.5248% | 5,466 |
| Loan and lease loss provision to assets | -0.0036% | 7,437 |
| Net operating income to assets | 1.4572% | 971 |
| Return on assets (ROA) | 1.4572% | 1,007 |
| Pretax return on assets | 1.5231% | 1,381 |
| Return on Equity (ROE) | 16.8311% | 593 |
| Retained earnings to average equity (ytd only) | 14.7760% | 412 |
| Net charge-offs to loans | 0.1949% | 3,335 |
| Credit loss provision to net charge-offs | -4.0000% | 5,573 |
| Earnings coverage of net charge-offs (x) | 17.0800% | 1,235 |
| Efficiency ratio | 62.4285% | 5,610 |
| Assets per employee ($millions) | 4.5592% | 2,798 |
| Cash dividends to net income (ytd only)* | 12.2100% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 6,027 |
| Loan loss allowance to noncurrent loans | 73.4007% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 5,659 |
| Noncurrent loans to loans | 1.5048% | 4,217 |
| Net loans and leases to total assets | 42.8115% | 6,558 |
| Net loans and leases to deposits | 47.1264% | 6,789 |
| Net loans and leases to core deposits | 49.6290% | 6,793 |
| Total domestic deposits to total assets | 90.8441% | 702 |
| Equity capital to assets | 8.7344% | 5,602 |
| Core capital (leverage) ratio | 7.6487% | 6,605 |
| Tier 1 risk-based capital ratio | 14.0344% | 4,051 |
| Total risk-based capital ratio | 14.9135% | 4,287 |
| Memoranda: | ||
| Average total assets | $224,809,000 | 2,822 |
| Average earning assets | $207,022,500 | 2,817 |
| Average equity | $19,464,000 | 3,194 |
| Average total loans | $102,631,000 | 3,650 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0033% | 4,541 |
| Cost of funding earning assets | 1.0110% | 5,639 |
| Net interest margin | 3.9923% | 3,052 |
| Noninterest income to average assets | 0.6579% | 3,101 |
| Noninterest expense to average assets | 2.8317% | 4,472 |
| Loan and lease loss provision to assets | 0.1489% | 5,708 |
| Net operating income to assets | 1.3234% | 1,117 |
| Return on assets (ROA) | 1.3254% | 1,181 |
| Pretax return on assets | 1.3278% | 1,864 |
| Return on Equity (ROE) | 14.2628% | 841 |
| Retained earnings to average equity (ytd only) | 6.5113% | 1,547 |
| Net charge-offs to loans | 0.1897% | 5,166 |
| Credit loss provision to net charge-offs | 158.1633% | 2,222 |
| Earnings coverage of net charge-offs (x) | 15.6684% | 1,267 |
| Efficiency ratio | 65.7560% | 5,016 |
| Assets per employee ($millions) | 4.3462% | 3,116 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 6,067 |
| Loan loss allowance to noncurrent loans | 127.0300% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 6,256 |
| Noncurrent loans to loans | 0.8435% | 5,369 |
| Net loans and leases to total assets | 47.5674% | 6,431 |
| Net loans and leases to deposits | 53.6510% | 6,632 |
| Net loans and leases to core deposits | 56.6708% | 6,656 |
| Total domestic deposits to total assets | 88.6608% | 1,850 |
| Equity capital to assets | 8.5795% | 5,752 |
| Core capital (leverage) ratio | 7.7723% | 6,468 |
| Tier 1 risk-based capital ratio | 12.9118% | 4,673 |
| Total risk-based capital ratio | 13.7957% | 4,973 |
| Memoranda: | ||
| Average total assets | $208,246,400 | 2,997 |
| Average earning assets | $190,314,800 | 2,998 |
| Average equity | $19,351,000 | 3,234 |
| Average total loans | $103,305,600 | 3,697 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0889% | 4,375 |
| Cost of funding earning assets | 1.0400% | 5,740 |
| Net interest margin | 4.0489% | 2,862 |
| Noninterest income to average assets | 0.6917% | 2,864 |
| Noninterest expense to average assets | 2.6901% | 4,917 |
| Loan and lease loss provision to assets | 0.1438% | 5,594 |
| Net operating income to assets | 1.4838% | 952 |
| Return on assets (ROA) | 1.4863% | 1,028 |
| Pretax return on assets | 1.5539% | 1,467 |
| Return on Equity (ROE) | 15.6694% | 750 |
| Retained earnings to average equity (ytd only) | 5.3786% | 2,720 |
| Net charge-offs to loans | -0.0781% | 7,518 |
| Credit loss provision to net charge-offs | -368.3333% | 6,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3444% | 5,731 |
| Assets per employee ($millions) | 4.0821% | 3,678 |
| Cash dividends to net income (ytd only)* | 65.6742% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 5,454 |
| Loan loss allowance to noncurrent loans | 118.2475% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 6,094 |
| Noncurrent loans to loans | 1.0221% | 5,193 |
| Net loans and leases to total assets | 51.3946% | 6,174 |
| Net loans and leases to deposits | 58.3891% | 6,437 |
| Net loans and leases to core deposits | 61.7369% | 6,486 |
| Total domestic deposits to total assets | 88.0210% | 1,944 |
| Equity capital to assets | 9.8074% | 4,408 |
| Core capital (leverage) ratio | 7.8327% | 6,539 |
| Tier 1 risk-based capital ratio | 12.6368% | 4,863 |
| Total risk-based capital ratio | 13.6575% | 5,043 |
| Memoranda: | ||
| Average total assets | $204,894,000 | 3,078 |
| Average earning assets | $186,911,750 | 3,088 |
| Average equity | $19,434,500 | 3,262 |
| Average total loans | $102,487,500 | 3,782 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0770% | 4,579 |
| Cost of funding earning assets | 1.0481% | 5,925 |
| Net interest margin | 4.0289% | 2,882 |
| Noninterest income to average assets | 0.7400% | 2,457 |
| Noninterest expense to average assets | 2.7253% | 4,809 |
| Loan and lease loss provision to assets | 0.2139% | 4,748 |
| Net operating income to assets | 1.4143% | 1,071 |
| Return on assets (ROA) | 1.4181% | 1,129 |
| Pretax return on assets | 1.4829% | 1,603 |
| Return on Equity (ROE) | 15.1256% | 835 |
| Retained earnings to average equity (ytd only) | 4.6581% | 3,105 |
| Net charge-offs to loans | 0.2626% | 4,025 |
| Credit loss provision to net charge-offs | 165.1515% | 2,383 |
| Earnings coverage of net charge-offs (x) | 13.0682% | 1,613 |
| Efficiency ratio | 61.6837% | 5,740 |
| Assets per employee ($millions) | 4.0021% | 3,767 |
| Cash dividends to net income (ytd only)* | 69.2042% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 6,118 |
| Loan loss allowance to noncurrent loans | 705.0633% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 7,175 |
| Noncurrent loans to loans | 0.1508% | 6,961 |
| Net loans and leases to total assets | 50.8011% | 6,332 |
| Net loans and leases to deposits | 57.2264% | 6,643 |
| Net loans and leases to core deposits | 60.0283% | 6,714 |
| Total domestic deposits to total assets | 88.7720% | 1,559 |
| Equity capital to assets | 9.5931% | 4,563 |
| Core capital (leverage) ratio | 7.7794% | 6,523 |
| Tier 1 risk-based capital ratio | 12.6789% | 4,707 |
| Total risk-based capital ratio | 13.5691% | 5,003 |
| Memoranda: | ||
| Average total assets | $203,795,670 | 3,113 |
| Average earning assets | $186,054,670 | 3,117 |
| Average equity | $19,106,670 | 3,292 |
| Average total loans | $100,547,670 | 3,877 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 4,982 |
| Cost of funding earning assets | 1.0445% | 6,156 |
| Net interest margin | 3.9647% | 3,027 |
| Noninterest income to average assets | 0.6227% | 3,131 |
| Noninterest expense to average assets | 2.7735% | 4,590 |
| Loan and lease loss provision to assets | 0.0295% | 6,382 |
| Net operating income to assets | 1.3720% | 1,139 |
| Return on assets (ROA) | 1.5891% | 822 |
| Pretax return on assets | 1.6618% | 1,136 |
| Return on Equity (ROE) | 17.1489% | 592 |
| Retained earnings to average equity (ytd only) | 6.5501% | 2,348 |
| Net charge-offs to loans | -0.0041% | 6,802 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4310% | 5,233 |
| Assets per employee ($millions) | 3.8526% | 4,198 |
| Cash dividends to net income (ytd only)* | 61.8047% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 6,258 |
| Loan loss allowance to noncurrent loans | 1,631.2500% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 7,381 |
| Noncurrent loans to loans | 0.0641% | 7,238 |
| Net loans and leases to total assets | 49.3498% | 6,539 |
| Net loans and leases to deposits | 55.5321% | 6,809 |
| Net loans and leases to core deposits | 58.0343% | 6,880 |
| Total domestic deposits to total assets | 88.8673% | 1,586 |
| Equity capital to assets | 9.4715% | 4,580 |
| Core capital (leverage) ratio | 7.8080% | 6,494 |
| Tier 1 risk-based capital ratio | 13.0687% | 4,284 |
| Total risk-based capital ratio | 13.9361% | 4,538 |
| Memoranda: | ||
| Average total assets | $203,640,500 | 3,173 |
| Average earning assets | $185,740,000 | 3,178 |
| Average equity | $18,870,000 | 3,334 |
| Average total loans | $98,420,500 | 4,004 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2679% | 5,331 |
| Cost of funding earning assets | 1.1089% | 6,949 |
| Net interest margin | 4.1590% | 2,212 |
| Noninterest income to average assets | 0.5876% | 3,736 |
| Noninterest expense to average assets | 2.9560% | 4,323 |
| Loan and lease loss provision to assets | 0.2079% | 5,680 |
| Net operating income to assets | 1.2162% | 1,204 |
| Return on assets (ROA) | 1.2725% | 1,149 |
| Pretax return on assets | 1.3174% | 1,652 |
| Return on Equity (ROE) | 13.2239% | 910 |
| Retained earnings to average equity (ytd only) | 6.7097% | 1,065 |
| Net charge-offs to loans | 0.1663% | 5,624 |
| Credit loss provision to net charge-offs | 250.3145% | 1,412 |
| Earnings coverage of net charge-offs (x) | 17.6730% | 1,171 |
| Efficiency ratio | 66.8202% | 5,221 |
| Assets per employee ($millions) | 4.0577% | 3,699 |
| Cash dividends to net income (ytd only)* | 49.2611% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 6,085 |
| Loan loss allowance to noncurrent loans | 1,155.0562% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 7,397 |
| Noncurrent loans to loans | 0.0918% | 7,180 |
| Net loans and leases to total assets | 46.3425% | 6,943 |
| Net loans and leases to deposits | 51.2330% | 7,191 |
| Net loans and leases to core deposits | 59.6660% | 7,276 |
| Total domestic deposits to total assets | 90.4544% | 759 |
| Equity capital to assets | 9.0677% | 5,037 |
| Core capital (leverage) ratio | 7.8948% | 6,327 |
| Tier 1 risk-based capital ratio | 12.8675% | 4,232 |
| Total risk-based capital ratio | 13.7252% | 4,490 |
| Memoranda: | ||
| Average total assets | $191,440,600 | 3,273 |
| Average earning assets | $176,578,800 | 3,260 |
| Average equity | $18,421,200 | 3,437 |
| Average total loans | $95,627,600 | 4,072 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3289% | 5,284 |
| Cost of funding earning assets | 1.1186% | 7,138 |
| Net interest margin | 4.2103% | 2,016 |
| Noninterest income to average assets | 0.5836% | 3,828 |
| Noninterest expense to average assets | 2.7844% | 4,953 |
| Loan and lease loss provision to assets | 0.2694% | 4,809 |
| Net operating income to assets | 1.3748% | 1,075 |
| Return on assets (ROA) | 1.4508% | 977 |
| Pretax return on assets | 1.5170% | 1,361 |
| Return on Equity (ROE) | 14.8417% | 790 |
| Retained earnings to average equity (ytd only) | 9.0243% | 834 |
| Net charge-offs to loans | 0.2140% | 4,692 |
| Credit loss provision to net charge-offs | 247.7124% | 1,744 |
| Earnings coverage of net charge-offs (x) | 15.7063% | 1,520 |
| Efficiency ratio | 61.9778% | 6,108 |
| Assets per employee ($millions) | 3.7924% | 4,203 |
| Cash dividends to net income (ytd only)* | 39.1964% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 6,270 |
| Loan loss allowance to noncurrent loans | 1,845.4545% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 7,509 |
| Noncurrent loans to loans | 0.0543% | 7,373 |
| Net loans and leases to total assets | 52.8860% | 6,514 |
| Net loans and leases to deposits | 59.3159% | 6,882 |
| Net loans and leases to core deposits | 69.5589% | 6,988 |
| Total domestic deposits to total assets | 89.1600% | 1,127 |
| Equity capital to assets | 10.2642% | 3,770 |
| Core capital (leverage) ratio | 8.1942% | 6,024 |
| Tier 1 risk-based capital ratio | 13.1415% | 4,091 |
| Total risk-based capital ratio | 14.0062% | 4,295 |
| Memoranda: | ||
| Average total assets | $187,564,750 | 3,343 |
| Average earning assets | $174,139,750 | 3,320 |
| Average equity | $18,335,250 | 3,477 |
| Average total loans | $95,301,750 | 4,112 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3112% | 5,601 |
| Cost of funding earning assets | 1.1272% | 7,309 |
| Net interest margin | 4.1840% | 2,048 |
| Noninterest income to average assets | 0.5372% | 4,133 |
| Noninterest expense to average assets | 2.8157% | 4,891 |
| Loan and lease loss provision to assets | 0.1766% | 5,283 |
| Net operating income to assets | 1.3710% | 1,082 |
| Return on assets (ROA) | 1.4598% | 981 |
| Pretax return on assets | 1.5261% | 1,376 |
| Return on Equity (ROE) | 15.1899% | 801 |
| Retained earnings to average equity (ytd only) | 10.7354% | 603 |
| Net charge-offs to loans | 0.3130% | 3,623 |
| Credit loss provision to net charge-offs | 113.0137% | 4,103 |
| Earnings coverage of net charge-offs (x) | 10.3082% | 2,009 |
| Efficiency ratio | 63.6122% | 5,981 |
| Assets per employee ($millions) | 3.8885% | 3,897 |
| Cash dividends to net income (ytd only)* | 29.3255% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 6,991 |
| Loan loss allowance to noncurrent loans | 1,282.5397% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 7,528 |
| Noncurrent loans to loans | 0.0660% | 7,359 |
| Net loans and leases to total assets | 50.6855% | 6,807 |
| Net loans and leases to deposits | 56.6444% | 7,119 |
| Net loans and leases to core deposits | 67.0850% | 7,167 |
| Total domestic deposits to total assets | 89.4803% | 1,049 |
| Equity capital to assets | 9.9229% | 4,057 |
| Core capital (leverage) ratio | 8.0419% | 6,252 |
| Tier 1 risk-based capital ratio | 12.8279% | 4,266 |
| Total risk-based capital ratio | 13.5120% | 4,622 |
| Memoranda: | ||
| Average total assets | $186,879,330 | 3,378 |
| Average earning assets | $173,709,670 | 3,350 |
| Average equity | $17,959,330 | 3,553 |
| Average total loans | $93,303,000 | 4,196 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2674% | 6,035 |
| Cost of funding earning assets | 1.1356% | 7,451 |
| Net interest margin | 4.1317% | 2,156 |
| Noninterest income to average assets | 0.5005% | 4,319 |
| Noninterest expense to average assets | 2.7787% | 4,658 |
| Loan and lease loss provision to assets | 0.3508% | 3,212 |
| Net operating income to assets | 1.1466% | 1,817 |
| Return on assets (ROA) | 1.3027% | 1,474 |
| Pretax return on assets | 1.3626% | 2,074 |
| Return on Equity (ROE) | 13.7794% | 1,208 |
| Retained earnings to average equity (ytd only) | 4.7289% | 3,279 |
| Net charge-offs to loans | 0.4336% | 2,375 |
| Credit loss provision to net charge-offs | 164.0000% | 2,602 |
| Earnings coverage of net charge-offs (x) | 7.2500% | 2,371 |
| Efficiency ratio | 64.1798% | 5,657 |
| Assets per employee ($millions) | 3.7424% | 4,252 |
| Cash dividends to net income (ytd only)* | 65.6814% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 6,619 |
| Loan loss allowance to noncurrent loans | 1,152.7027% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 7,494 |
| Noncurrent loans to loans | 0.0804% | 7,292 |
| Net loans and leases to total assets | 48.7297% | 6,965 |
| Net loans and leases to deposits | 54.1704% | 7,275 |
| Net loans and leases to core deposits | 65.8226% | 7,247 |
| Total domestic deposits to total assets | 89.9563% | 822 |
| Equity capital to assets | 9.5301% | 4,627 |
| Core capital (leverage) ratio | 7.7161% | 6,866 |
| Tier 1 risk-based capital ratio | 12.5717% | 4,498 |
| Total risk-based capital ratio | 13.3167% | 4,800 |
| Memoranda: | ||
| Average total assets | $186,994,500 | 3,399 |
| Average earning assets | $173,293,500 | 3,369 |
| Average equity | $17,678,500 | 3,607 |
| Average total loans | $92,248,500 | 4,253 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8836% | 6,119 |
| Cost of funding earning assets | 1.8079% | 6,984 |
| Net interest margin | 4.0757% | 2,807 |
| Noninterest income to average assets | 0.8036% | 2,498 |
| Noninterest expense to average assets | 2.9052% | 4,433 |
| Loan and lease loss provision to assets | 0.3463% | 3,627 |
| Net operating income to assets | 1.2377% | 1,656 |
| Return on assets (ROA) | 1.2446% | 1,586 |
| Pretax return on assets | 1.2895% | 2,347 |
| Return on Equity (ROE) | 14.2357% | 1,063 |
| Retained earnings to average equity (ytd only) | 1.2379% | 4,481 |
| Net charge-offs to loans | 0.9193% | 1,349 |
| Credit loss provision to net charge-offs | 74.5052% | 6,005 |
| Earnings coverage of net charge-offs (x) | 3.5041% | 4,337 |
| Efficiency ratio | 63.9336% | 5,575 |
| Assets per employee ($millions) | 3.6641% | 4,257 |
| Cash dividends to net income (ytd only)* | 91.3043% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 6,888 |
| Loan loss allowance to noncurrent loans | 766.0194% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 7,356 |
| Noncurrent loans to loans | 0.1114% | 7,084 |
| Net loans and leases to total assets | 49.0568% | 7,098 |
| Net loans and leases to deposits | 54.7071% | 7,398 |
| Net loans and leases to core deposits | 67.0041% | 7,329 |
| Total domestic deposits to total assets | 89.6718% | 777 |
| Equity capital to assets | 9.3778% | 4,846 |
| Core capital (leverage) ratio | 7.8020% | 6,795 |
| Tier 1 risk-based capital ratio | 12.4944% | 4,440 |
| Total risk-based capital ratio | 13.1893% | 4,754 |
| Memoranda: | ||
| Average total assets | $184,804,200 | 3,345 |
| Average earning assets | $169,148,000 | 3,348 |
| Average equity | $16,156,600 | 3,897 |
| Average total loans | $93,435,800 | 4,119 |