Home > Centinel Bank of Taos > Performance and Condition Ratios
Centinel Bank of Taos, 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 | 4.2811% | 4,089 |
| Cost of funding earning assets | 1.0571% | 3,934 |
| Net interest margin | 3.2240% | 2,963 |
| Noninterest income to average assets | 0.3600% | 2,477 |
| Noninterest expense to average assets | 1.8176% | 3,881 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.6684% | 789 |
| Return on assets (ROA) | 1.6684% | 788 |
| Pretax return on assets | 1.6684% | 1,171 |
| Return on Equity (ROE) | 26.4600% | 165 |
| Retained earnings to average equity (ytd only) | 26.4570% | 61 |
| Net charge-offs to loans | 0.0028% | 2,199 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 1,767.0000% | 40 |
| Efficiency ratio | 52.1398% | 3,746 |
| Assets per employee ($millions) | 7.3272% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 2,567 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 34.9600% | 4,110 |
| Net loans and leases to deposits | 37.9501% | 4,168 |
| Net loans and leases to core deposits | 43.1271% | 4,112 |
| Total domestic deposits to total assets | 92.1200% | 260 |
| Equity capital to assets | 6.8761% | 4,067 |
| Core capital (leverage) ratio | 9.0355% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6583% | 344 |
| Memoranda: | ||
| Average total assets | $423,629,000 | 1,999 |
| Average earning assets | $410,923,000 | 1,942 |
| Average equity | $26,715,000 | 2,594 |
| Average total loans | $143,272,000 | 2,831 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 3,975 |
| Cost of funding earning assets | 1.1669% | 3,855 |
| Net interest margin | 3.2374% | 2,646 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 1.8418% | 3,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.6998% | 654 |
| Return on assets (ROA) | 1.6998% | 650 |
| Pretax return on assets | 1.6998% | 966 |
| Return on Equity (ROE) | 29.8900% | 107 |
| Retained earnings to average equity (ytd only) | 7.6260% | 1,236 |
| Net charge-offs to loans | 0.0071% | 2,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 707.8000% | 188 |
| Efficiency ratio | 52.0038% | 3,882 |
| Assets per employee ($millions) | 7.8110% | 1,646 |
| Cash dividends to net income (ytd only)* | 74.4843% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,138 |
| Loan loss allowance to noncurrent loans | 2,320.8333% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 3,613 |
| Noncurrent loans to loans | 0.0518% | 3,383 |
| Net loans and leases to total assets | 31.9400% | 4,196 |
| Net loans and leases to deposits | 34.2240% | 4,237 |
| Net loans and leases to core deposits | 37.9633% | 4,220 |
| Total domestic deposits to total assets | 93.3100% | 147 |
| Equity capital to assets | 5.7522% | 4,247 |
| Core capital (leverage) ratio | 8.6377% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8420% | 340 |
| Memoranda: | ||
| Average total assets | $416,395,800 | 1,993 |
| Average earning assets | $404,063,000 | 1,935 |
| Average equity | $23,682,000 | 2,715 |
| Average total loans | $140,755,200 | 2,816 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 3,911 |
| Cost of funding earning assets | 1.1736% | 3,851 |
| Net interest margin | 3.2641% | 2,530 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 1.7923% | 3,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.7720% | 624 |
| Return on assets (ROA) | 1.7720% | 622 |
| Pretax return on assets | 1.7720% | 907 |
| Return on Equity (ROE) | 31.2500% | 99 |
| Retained earnings to average equity (ytd only) | 7.3881% | 1,602 |
| Net charge-offs to loans | 0.0019% | 2,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 2,745.0000% | 38 |
| Efficiency ratio | 50.2852% | 3,975 |
| Assets per employee ($millions) | 7.2678% | 1,957 |
| Cash dividends to net income (ytd only)* | 76.3570% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 1,997 |
| Loan loss allowance to noncurrent loans | 43,250.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 3,838 |
| Noncurrent loans to loans | 0.0029% | 3,784 |
| Net loans and leases to total assets | 33.2700% | 4,192 |
| Net loans and leases to deposits | 35.9566% | 4,251 |
| Net loans and leases to core deposits | 39.9890% | 4,229 |
| Total domestic deposits to total assets | 92.5400% | 128 |
| Equity capital to assets | 6.4756% | 4,249 |
| Core capital (leverage) ratio | 8.7553% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4854% | 359 |
| Memoranda: | ||
| Average total assets | $413,093,000 | 1,996 |
| Average earning assets | $400,913,000 | 1,944 |
| Average equity | $23,424,500 | 2,727 |
| Average total loans | $141,226,750 | 2,800 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4366% | 3,866 |
| Cost of funding earning assets | 1.1735% | 3,819 |
| Net interest margin | 3.2632% | 2,494 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 1.7398% | 4,030 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.8187% | 568 |
| Return on assets (ROA) | 1.8187% | 572 |
| Pretax return on assets | 1.8187% | 826 |
| Return on Equity (ROE) | 33.6700% | 97 |
| Retained earnings to average equity (ytd only) | 8.2007% | 1,316 |
| Net charge-offs to loans | 0.0028% | 2,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 1,876.5000% | 48 |
| Efficiency ratio | 48.8901% | 4,072 |
| Assets per employee ($millions) | 7.7948% | 1,565 |
| Cash dividends to net income (ytd only)* | 75.6461% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,130 |
| Loan loss allowance to noncurrent loans | 3,931.8182% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 3,705 |
| Noncurrent loans to loans | 0.0311% | 3,552 |
| Net loans and leases to total assets | 34.5100% | 4,183 |
| Net loans and leases to deposits | 36.8756% | 4,250 |
| Net loans and leases to core deposits | 40.8491% | 4,218 |
| Total domestic deposits to total assets | 93.6000% | 107 |
| Equity capital to assets | 5.4201% | 4,316 |
| Core capital (leverage) ratio | 8.6508% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1482% | 373 |
| Memoranda: | ||
| Average total assets | $412,702,667 | 1,999 |
| Average earning assets | $400,528,333 | 1,940 |
| Average equity | $22,290,667 | 2,766 |
| Average total loans | $141,777,333 | 2,793 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3740% | 3,870 |
| Cost of funding earning assets | 1.1519% | 3,806 |
| Net interest margin | 3.2221% | 2,519 |
| Noninterest income to average assets | 0.3700% | 2,484 |
| Noninterest expense to average assets | 1.7205% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.7772% | 589 |
| Return on assets (ROA) | 1.7772% | 596 |
| Pretax return on assets | 1.7772% | 859 |
| Return on Equity (ROE) | 32.9600% | 112 |
| Retained earnings to average equity (ytd only) | 32.9599% | 51 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 49.1898% | 4,049 |
| Assets per employee ($millions) | 8.0426% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,133 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 33.3400% | 4,204 |
| Net loans and leases to deposits | 35.6190% | 4,269 |
| Net loans and leases to core deposits | 39.3822% | 4,287 |
| Total domestic deposits to total assets | 93.6000% | 147 |
| Equity capital to assets | 5.4661% | 4,307 |
| Core capital (leverage) ratio | 8.6927% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3672% | 304 |
| Memoranda: | ||
| Average total assets | $416,390,000 | 1,997 |
| Average earning assets | $404,210,000 | 1,933 |
| Average equity | $22,451,500 | 2,766 |
| Average total loans | $141,852,000 | 2,793 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 3,877 |
| Cost of funding earning assets | 0.7510% | 3,852 |
| Net interest margin | 3.3022% | 2,629 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 1.7000% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.0470% | 440 |
| Return on assets (ROA) | 2.0470% | 423 |
| Pretax return on assets | 2.0470% | 627 |
| Return on Equity (ROE) | 43.2800% | 74 |
| Retained earnings to average equity (ytd only) | 12.8490% | 522 |
| Net charge-offs to loans | 0.0136% | 2,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 429.1579% | 331 |
| Efficiency ratio | 45.3705% | 4,217 |
| Assets per employee ($millions) | 7.6771% | 1,606 |
| Cash dividends to net income (ytd only)* | 70.3091% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,206 |
| Loan loss allowance to noncurrent loans | 541.2500% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 3,033 |
| Noncurrent loans to loans | 0.2245% | 2,423 |
| Net loans and leases to total assets | 33.9700% | 4,210 |
| Net loans and leases to deposits | 36.2117% | 4,271 |
| Net loans and leases to core deposits | 39.7591% | 4,289 |
| Total domestic deposits to total assets | 93.8000% | 120 |
| Equity capital to assets | 5.3172% | 4,365 |
| Core capital (leverage) ratio | 8.3314% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4975% | 510 |
| Memoranda: | ||
| Average total assets | $398,344,600 | 2,019 |
| Average earning assets | $385,771,600 | 1,963 |
| Average equity | $18,842,000 | 2,948 |
| Average total loans | $139,269,000 | 2,779 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 3,964 |
| Cost of funding earning assets | 0.6406% | 3,899 |
| Net interest margin | 3.2856% | 2,721 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 1.6569% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.1199% | 426 |
| Return on assets (ROA) | 2.1199% | 418 |
| Pretax return on assets | 2.1199% | 630 |
| Return on Equity (ROE) | 46.3300% | 83 |
| Retained earnings to average equity (ytd only) | 16.6499% | 411 |
| Net charge-offs to loans | 0.0106% | 2,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 569.9091% | 276 |
| Efficiency ratio | 43.8714% | 4,232 |
| Assets per employee ($millions) | 7.4996% | 1,630 |
| Cash dividends to net income (ytd only)* | 64.0613% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,239 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 34.5900% | 4,228 |
| Net loans and leases to deposits | 36.3784% | 4,286 |
| Net loans and leases to core deposits | 39.4424% | 4,270 |
| Total domestic deposits to total assets | 95.1000% | 119 |
| Equity capital to assets | 3.9713% | 4,407 |
| Core capital (leverage) ratio | 8.3730% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8186% | 392 |
| Memoranda: | ||
| Average total assets | $394,290,000 | 2,027 |
| Average earning assets | $381,740,750 | 1,975 |
| Average equity | $18,041,750 | 3,005 |
| Average total loans | $138,449,750 | 2,793 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7530% | 4,077 |
| Cost of funding earning assets | 0.5217% | 3,939 |
| Net interest margin | 3.2313% | 2,906 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 1.5904% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9558% | 494 |
| Return on assets (ROA) | 1.9558% | 493 |
| Pretax return on assets | 1.9558% | 796 |
| Return on Equity (ROE) | 40.8800% | 103 |
| Retained earnings to average equity (ytd only) | 16.1650% | 454 |
| Net charge-offs to loans | 0.0058% | 2,040 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 955.2500% | 153 |
| Efficiency ratio | 44.8470% | 4,214 |
| Assets per employee ($millions) | 8.0723% | 1,283 |
| Cash dividends to net income (ytd only)* | 60.4554% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 2,182 |
| Loan loss allowance to noncurrent loans | 5,638.7097% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 3,779 |
| Noncurrent loans to loans | 0.0221% | 3,602 |
| Net loans and leases to total assets | 34.9800% | 4,213 |
| Net loans and leases to deposits | 36.9718% | 4,279 |
| Net loans and leases to core deposits | 39.3962% | 4,272 |
| Total domestic deposits to total assets | 94.6000% | 114 |
| Equity capital to assets | 4.5952% | 4,436 |
| Core capital (leverage) ratio | 8.7022% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8687% | 560 |
| Memoranda: | ||
| Average total assets | $390,727,667 | 2,038 |
| Average earning assets | $377,989,000 | 1,986 |
| Average equity | $18,694,667 | 2,972 |
| Average total loans | $137,320,333 | 2,801 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6706% | 4,075 |
| Cost of funding earning assets | 0.4113% | 3,935 |
| Net interest margin | 3.2593% | 2,970 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.5565% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0076% | 488 |
| Return on assets (ROA) | 2.0076% | 485 |
| Pretax return on assets | 2.0076% | 770 |
| Return on Equity (ROE) | 41.1300% | 110 |
| Retained earnings to average equity (ytd only) | 41.1312% | 59 |
| Net charge-offs to loans | 0.0118% | 1,508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 487.2500% | 233 |
| Efficiency ratio | 43.6705% | 4,313 |
| Assets per employee ($millions) | 7.9252% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 2,127 |
| Loan loss allowance to noncurrent loans | 174,800.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,952 |
| Noncurrent loans to loans | 0.0007% | 3,878 |
| Net loans and leases to total assets | 34.7000% | 4,237 |
| Net loans and leases to deposits | 37.0001% | 4,295 |
| Net loans and leases to core deposits | 39.1190% | 4,291 |
| Total domestic deposits to total assets | 93.7800% | 194 |
| Equity capital to assets | 5.4478% | 4,351 |
| Core capital (leverage) ratio | 8.8833% | 3,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4289% | 543 |
| Memoranda: | ||
| Average total assets | $388,319,500 | 2,073 |
| Average earning assets | $375,419,500 | 2,014 |
| Average equity | $18,954,000 | 2,986 |
| Average total loans | $135,934,000 | 2,840 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3059% | 3,579 |
| Cost of funding earning assets | 0.0730% | 4,500 |
| Net interest margin | 3.2329% | 2,754 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.5850% | 4,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9664% | 319 |
| Return on assets (ROA) | 1.9664% | 305 |
| Pretax return on assets | 1.9664% | 512 |
| Return on Equity (ROE) | 34.8700% | 75 |
| Retained earnings to average equity (ytd only) | 11.8195% | 707 |
| Net charge-offs to loans | 0.0062% | 2,191 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 955.8750% | 184 |
| Efficiency ratio | 44.6311% | 4,405 |
| Assets per employee ($millions) | 7.9245% | 1,362 |
| Cash dividends to net income (ytd only)* | 66.1044% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 1,932 |
| Loan loss allowance to noncurrent loans | 470.6989% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 2,874 |
| Noncurrent loans to loans | 0.2748% | 2,173 |
| Net loans and leases to total assets | 34.4100% | 4,270 |
| Net loans and leases to deposits | 36.2341% | 4,338 |
| Net loans and leases to core deposits | 38.1073% | 4,329 |
| Total domestic deposits to total assets | 94.9700% | 145 |
| Equity capital to assets | 4.3142% | 4,483 |
| Core capital (leverage) ratio | 8.2792% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2061% | 611 |
| Memoranda: | ||
| Average total assets | $388,891,600 | 2,066 |
| Average earning assets | $378,172,400 | 1,992 |
| Average equity | $21,929,800 | 2,777 |
| Average total loans | $128,473,800 | 2,846 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1605% | 3,538 |
| Cost of funding earning assets | 0.0289% | 4,641 |
| Net interest margin | 3.1317% | 2,825 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.5405% | 4,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9117% | 340 |
| Return on assets (ROA) | 1.9117% | 336 |
| Pretax return on assets | 1.9117% | 565 |
| Return on Equity (ROE) | 32.0200% | 83 |
| Retained earnings to average equity (ytd only) | 11.3786% | 948 |
| Net charge-offs to loans | 0.0084% | 1,823 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 697.2500% | 236 |
| Efficiency ratio | 44.6242% | 4,442 |
| Assets per employee ($millions) | 7.9170% | 1,369 |
| Cash dividends to net income (ytd only)* | 64.4676% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 1,952 |
| Loan loss allowance to noncurrent loans | 1,145.0980% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 3,122 |
| Noncurrent loans to loans | 0.1151% | 3,069 |
| Net loans and leases to total assets | 33.8200% | 4,311 |
| Net loans and leases to deposits | 35.4627% | 4,380 |
| Net loans and leases to core deposits | 37.3634% | 4,358 |
| Total domestic deposits to total assets | 95.3500% | 186 |
| Equity capital to assets | 3.8728% | 4,490 |
| Core capital (leverage) ratio | 7.9087% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0291% | 642 |
| Memoranda: | ||
| Average total assets | $389,039,000 | 2,081 |
| Average earning assets | $378,960,000 | 2,011 |
| Average equity | $23,224,250 | 2,723 |
| Average total loans | $126,750,000 | 2,859 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9610% | 3,650 |
| Cost of funding earning assets | 0.0290% | 4,694 |
| Net interest margin | 2.9320% | 3,083 |
| Noninterest income to average assets | 0.4088% | 2,701 |
| Noninterest expense to average assets | 1.5295% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7344% | 392 |
| Return on assets (ROA) | 1.7344% | 389 |
| Pretax return on assets | 1.7344% | 693 |
| Return on Equity (ROE) | 26.0193% | 94 |
| Retained earnings to average equity (ytd only) | 8.1132% | 1,574 |
| Net charge-offs to loans | 0.0032% | 1,943 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,688.5000% | 65 |
| Efficiency ratio | 46.8607% | 4,404 |
| Assets per employee ($millions) | 7.7214% | 1,464 |
| Cash dividends to net income (ytd only)* | 68.8185% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 1,768 |
| Loan loss allowance to noncurrent loans | 1,910.8696% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 3,759 |
| Noncurrent loans to loans | 0.0731% | 3,434 |
| Net loans and leases to total assets | 32.1432% | 4,398 |
| Net loans and leases to deposits | 34.2764% | 4,441 |
| Net loans and leases to core deposits | 36.1440% | 4,431 |
| Total domestic deposits to total assets | 93.7765% | 326 |
| Equity capital to assets | 5.4811% | 4,370 |
| Core capital (leverage) ratio | 7.7940% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8912% | 482 |
| Memoranda: | ||
| Average total assets | $389,407,333 | 2,095 |
| Average earning assets | $379,193,667 | 2,025 |
| Average equity | $25,957,667 | 2,633 |
| Average total loans | $124,689,333 | 2,899 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8300% | 3,685 |
| Cost of funding earning assets | 0.0305% | 4,705 |
| Net interest margin | 2.7996% | 3,143 |
| Noninterest income to average assets | 0.3651% | 2,899 |
| Noninterest expense to average assets | 1.4882% | 4,441 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6028% | 503 |
| Return on assets (ROA) | 1.6028% | 504 |
| Pretax return on assets | 1.6028% | 822 |
| Return on Equity (ROE) | 22.1047% | 150 |
| Retained earnings to average equity (ytd only) | 22.1047% | 69 |
| Net charge-offs to loans | 0.0064% | 1,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 783.5000% | 121 |
| Efficiency ratio | 48.1469% | 4,398 |
| Assets per employee ($millions) | 8.5521% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 1,840 |
| Loan loss allowance to noncurrent loans | 1,273.1884% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 3,281 |
| Noncurrent loans to loans | 0.1114% | 3,273 |
| Net loans and leases to total assets | 30.3759% | 4,437 |
| Net loans and leases to deposits | 32.6700% | 4,476 |
| Net loans and leases to core deposits | 34.3911% | 4,473 |
| Total domestic deposits to total assets | 92.9780% | 278 |
| Equity capital to assets | 6.3267% | 4,490 |
| Core capital (leverage) ratio | 7.8339% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4576% | 402 |
| Memoranda: | ||
| Average total assets | $391,076,500 | 2,089 |
| Average earning assets | $380,774,500 | 2,027 |
| Average equity | $28,356,000 | 2,578 |
| Average total loans | $124,107,500 | 2,907 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0185% | 3,842 |
| Cost of funding earning assets | 0.0417% | 4,720 |
| Net interest margin | 2.9768% | 3,255 |
| Noninterest income to average assets | 0.4457% | 2,834 |
| Noninterest expense to average assets | 1.4618% | 4,577 |
| Loan and lease loss provision to assets | 0.0081% | 2,921 |
| Net operating income to assets | 1.8726% | 434 |
| Return on assets (ROA) | 2.0047% | 353 |
| Pretax return on assets | 2.0047% | 594 |
| Return on Equity (ROE) | 23.5551% | 156 |
| Retained earnings to average equity (ytd only) | 13.2237% | 376 |
| Net charge-offs to loans | 0.0081% | 2,276 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 694.5000% | 211 |
| Efficiency ratio | 43.7333% | 4,581 |
| Assets per employee ($millions) | 8.0894% | 1,285 |
| Cash dividends to net income (ytd only)* | 43.8606% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 1,869 |
| Loan loss allowance to noncurrent loans | 604.4674% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 2,996 |
| Noncurrent loans to loans | 0.2340% | 2,791 |
| Net loans and leases to total assets | 32.2467% | 4,439 |
| Net loans and leases to deposits | 35.4049% | 4,492 |
| Net loans and leases to core deposits | 37.4099% | 4,480 |
| Total domestic deposits to total assets | 91.0798% | 467 |
| Equity capital to assets | 8.2277% | 4,215 |
| Core capital (leverage) ratio | 7.8247% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9429% | 404 |
| Memoranda: | ||
| Average total assets | $369,280,400 | 2,111 |
| Average earning assets | $359,346,400 | 2,045 |
| Average equity | $31,428,400 | 2,446 |
| Average total loans | $122,762,800 | 2,924 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0873% | 3,840 |
| Cost of funding earning assets | 0.0449% | 4,800 |
| Net interest margin | 3.0424% | 3,199 |
| Noninterest income to average assets | 0.4034% | 3,065 |
| Noninterest expense to average assets | 1.4299% | 4,662 |
| Loan and lease loss provision to assets | 0.0109% | 2,772 |
| Net operating income to assets | 1.9235% | 534 |
| Return on assets (ROA) | 2.1010% | 415 |
| Pretax return on assets | 2.1010% | 672 |
| Return on Equity (ROE) | 24.4753% | 188 |
| Retained earnings to average equity (ytd only) | 15.3648% | 350 |
| Net charge-offs to loans | 0.0011% | 2,403 |
| Credit loss provision to net charge-offs | 3,000.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 5,318.0000% | 24 |
| Efficiency ratio | 42.5019% | 4,646 |
| Assets per employee ($millions) | 9.1165% | 857 |
| Cash dividends to net income (ytd only)* | 37.2230% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 1,712 |
| Loan loss allowance to noncurrent loans | 1,290.5109% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 3,462 |
| Noncurrent loans to loans | 0.1147% | 3,517 |
| Net loans and leases to total assets | 30.0259% | 4,589 |
| Net loans and leases to deposits | 32.9748% | 4,651 |
| Net loans and leases to core deposits | 34.7467% | 4,638 |
| Total domestic deposits to total assets | 91.0571% | 353 |
| Equity capital to assets | 8.2113% | 4,402 |
| Core capital (leverage) ratio | 7.6805% | 4,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3404% | 360 |
| Memoranda: | ||
| Average total assets | $366,549,750 | 2,138 |
| Average earning assets | $356,726,250 | 2,071 |
| Average equity | $31,465,000 | 2,478 |
| Average total loans | $122,363,000 | 2,973 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0844% | 3,902 |
| Cost of funding earning assets | 0.0505% | 4,820 |
| Net interest margin | 3.0339% | 3,231 |
| Noninterest income to average assets | 0.4061% | 3,077 |
| Noninterest expense to average assets | 1.4366% | 4,690 |
| Loan and lease loss provision to assets | 0.0168% | 2,619 |
| Net operating income to assets | 1.9036% | 582 |
| Return on assets (ROA) | 1.9036% | 611 |
| Pretax return on assets | 1.9036% | 1,017 |
| Return on Equity (ROE) | 21.8296% | 332 |
| Retained earnings to average equity (ytd only) | 14.4634% | 491 |
| Net charge-offs to loans | 0.0016% | 2,160 |
| Credit loss provision to net charge-offs | 3,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 3,438.0000% | 21 |
| Efficiency ratio | 42.7953% | 4,670 |
| Assets per employee ($millions) | 9.2478% | 789 |
| Cash dividends to net income (ytd only)* | 33.7441% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 1,813 |
| Loan loss allowance to noncurrent loans | 9,305.2632% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 3,757 |
| Noncurrent loans to loans | 0.0155% | 4,151 |
| Net loans and leases to total assets | 31.9410% | 4,592 |
| Net loans and leases to deposits | 35.1897% | 4,648 |
| Net loans and leases to core deposits | 37.1533% | 4,646 |
| Total domestic deposits to total assets | 90.7683% | 450 |
| Equity capital to assets | 8.4964% | 4,207 |
| Core capital (leverage) ratio | 7.7301% | 4,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2343% | 469 |
| Memoranda: | ||
| Average total assets | $358,063,667 | 2,172 |
| Average earning assets | $348,267,000 | 2,100 |
| Average equity | $31,223,667 | 2,482 |
| Average total loans | $123,326,667 | 2,981 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1084% | 3,866 |
| Cost of funding earning assets | 0.0545% | 4,850 |
| Net interest margin | 3.0539% | 3,121 |
| Noninterest income to average assets | 0.3983% | 3,096 |
| Noninterest expense to average assets | 1.4422% | 4,700 |
| Loan and lease loss provision to assets | 0.0345% | 2,314 |
| Net operating income to assets | 1.8911% | 677 |
| Return on assets (ROA) | 1.8911% | 727 |
| Pretax return on assets | 1.8911% | 1,132 |
| Return on Equity (ROE) | 21.3877% | 439 |
| Retained earnings to average equity (ytd only) | 21.3877% | 226 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8230% | 4,640 |
| Assets per employee ($millions) | 7.8831% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4116% | 1,907 |
| Loan loss allowance to noncurrent loans | 1,187.2483% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 3,624 |
| Noncurrent loans to loans | 0.1189% | 3,718 |
| Net loans and leases to total assets | 34.8291% | 4,554 |
| Net loans and leases to deposits | 38.3536% | 4,614 |
| Net loans and leases to core deposits | 40.6485% | 4,601 |
| Total domestic deposits to total assets | 90.8105% | 470 |
| Equity capital to assets | 8.4301% | 4,174 |
| Core capital (leverage) ratio | 7.9741% | 4,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9315% | 406 |
| Memoranda: | ||
| Average total assets | $347,515,000 | 2,202 |
| Average earning assets | $337,924,500 | 2,132 |
| Average equity | $30,728,000 | 2,496 |
| Average total loans | $123,552,000 | 2,979 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1661% | 4,493 |
| Cost of funding earning assets | 0.0892% | 4,887 |
| Net interest margin | 3.0769% | 3,687 |
| Noninterest income to average assets | 0.6233% | 2,125 |
| Noninterest expense to average assets | 1.6768% | 4,644 |
| Loan and lease loss provision to assets | 0.0478% | 3,797 |
| Net operating income to assets | 1.8800% | 332 |
| Return on assets (ROA) | 1.8800% | 356 |
| Pretax return on assets | 1.8800% | 578 |
| Return on Equity (ROE) | 19.8850% | 236 |
| Retained earnings to average equity (ytd only) | 6.7779% | 1,470 |
| Net charge-offs to loans | -0.0009% | 3,927 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5180% | 4,690 |
| Assets per employee ($millions) | 7.5620% | 1,241 |
| Cash dividends to net income (ytd only)* | 65.9145% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 1,860 |
| Loan loss allowance to noncurrent loans | 471.2737% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 3,754 |
| Noncurrent loans to loans | 0.3030% | 3,113 |
| Net loans and leases to total assets | 35.2768% | 4,607 |
| Net loans and leases to deposits | 39.2032% | 4,678 |
| Net loans and leases to core deposits | 41.6774% | 4,659 |
| Total domestic deposits to total assets | 89.9844% | 573 |
| Equity capital to assets | 9.2718% | 3,823 |
| Core capital (leverage) ratio | 7.7882% | 4,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3356% | 422 |
| Memoranda: | ||
| Average total assets | $313,514,000 | 2,226 |
| Average earning assets | $303,778,800 | 2,155 |
| Average equity | $29,640,400 | 2,489 |
| Average total loans | $116,143,800 | 3,022 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2628% | 4,522 |
| Cost of funding earning assets | 0.0997% | 4,919 |
| Net interest margin | 3.1632% | 3,582 |
| Noninterest income to average assets | 0.6840% | 1,843 |
| Noninterest expense to average assets | 1.6778% | 4,654 |
| Loan and lease loss provision to assets | 0.0456% | 3,787 |
| Net operating income to assets | 2.0224% | 282 |
| Return on assets (ROA) | 2.0224% | 309 |
| Pretax return on assets | 2.0224% | 497 |
| Return on Equity (ROE) | 21.2778% | 197 |
| Retained earnings to average equity (ytd only) | 7.9552% | 1,322 |
| Net charge-offs to loans | -0.0012% | 3,828 |
| Credit loss provision to net charge-offs | -10,500.0000% | 4,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7912% | 4,764 |
| Assets per employee ($millions) | 7.4128% | 1,269 |
| Cash dividends to net income (ytd only)* | 62.6128% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 1,833 |
| Loan loss allowance to noncurrent loans | 600.7092% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 4,010 |
| Noncurrent loans to loans | 0.2295% | 3,484 |
| Net loans and leases to total assets | 36.3210% | 4,670 |
| Net loans and leases to deposits | 40.4496% | 4,736 |
| Net loans and leases to core deposits | 43.0329% | 4,730 |
| Total domestic deposits to total assets | 89.7934% | 503 |
| Equity capital to assets | 9.3819% | 3,784 |
| Core capital (leverage) ratio | 7.8998% | 4,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4057% | 434 |
| Memoranda: | ||
| Average total assets | $306,820,250 | 2,239 |
| Average earning assets | $296,993,000 | 2,173 |
| Average equity | $29,162,750 | 2,519 |
| Average total loans | $114,734,250 | 3,046 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3772% | 4,563 |
| Cost of funding earning assets | 0.1188% | 4,943 |
| Net interest margin | 3.2584% | 3,495 |
| Noninterest income to average assets | 0.6304% | 2,013 |
| Noninterest expense to average assets | 1.7220% | 4,660 |
| Loan and lease loss provision to assets | 0.0403% | 3,775 |
| Net operating income to assets | 2.0181% | 324 |
| Return on assets (ROA) | 2.0181% | 355 |
| Pretax return on assets | 2.0181% | 528 |
| Return on Equity (ROE) | 21.1306% | 194 |
| Retained earnings to average equity (ytd only) | 5.0612% | 2,449 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5514% | 4,750 |
| Assets per employee ($millions) | 7.0334% | 1,419 |
| Cash dividends to net income (ytd only)* | 76.0479% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 1,921 |
| Loan loss allowance to noncurrent loans | 464.5070% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 3,978 |
| Noncurrent loans to loans | 0.2835% | 3,362 |
| Net loans and leases to total assets | 38.1877% | 4,660 |
| Net loans and leases to deposits | 42.5104% | 4,733 |
| Net loans and leases to core deposits | 45.3185% | 4,729 |
| Total domestic deposits to total assets | 89.8314% | 447 |
| Equity capital to assets | 9.3201% | 3,813 |
| Core capital (leverage) ratio | 7.9988% | 4,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2908% | 434 |
| Memoranda: | ||
| Average total assets | $297,901,000 | 2,268 |
| Average earning assets | $287,992,667 | 2,199 |
| Average equity | $28,451,667 | 2,551 |
| Average total loans | $112,028,000 | 3,068 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6010% | 4,521 |
| Cost of funding earning assets | 0.1426% | 4,986 |
| Net interest margin | 3.4584% | 3,131 |
| Noninterest income to average assets | 0.5514% | 2,275 |
| Noninterest expense to average assets | 1.7904% | 4,680 |
| Loan and lease loss provision to assets | 0.0210% | 3,538 |
| Net operating income to assets | 2.0738% | 237 |
| Return on assets (ROA) | 2.0738% | 260 |
| Pretax return on assets | 2.0738% | 386 |
| Return on Equity (ROE) | 21.4199% | 125 |
| Retained earnings to average equity (ytd only) | 21.4199% | 51 |
| Net charge-offs to loans | -0.0114% | 4,117 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0816% | 4,828 |
| Assets per employee ($millions) | 6.3191% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 1,268 |
| Loan loss allowance to noncurrent loans | 224.9300% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 3,478 |
| Noncurrent loans to loans | 0.6768% | 2,300 |
| Net loans and leases to total assets | 35.7386% | 4,790 |
| Net loans and leases to deposits | 40.2153% | 4,833 |
| Net loans and leases to core deposits | 43.2317% | 4,821 |
| Total domestic deposits to total assets | 88.8682% | 722 |
| Equity capital to assets | 10.1792% | 3,623 |
| Core capital (leverage) ratio | 8.9766% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1519% | 489 |
| Memoranda: | ||
| Average total assets | $285,083,500 | 2,289 |
| Average earning assets | $274,811,000 | 2,228 |
| Average equity | $27,600,500 | 2,600 |
| Average total loans | $105,442,000 | 3,147 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7483% | 4,630 |
| Cost of funding earning assets | 0.1723% | 5,013 |
| Net interest margin | 3.5761% | 3,212 |
| Noninterest income to average assets | 0.6213% | 2,126 |
| Noninterest expense to average assets | 2.0192% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.0437% | 309 |
| Return on assets (ROA) | 2.0437% | 327 |
| Pretax return on assets | 2.0437% | 540 |
| Return on Equity (ROE) | 22.8687% | 117 |
| Retained earnings to average equity (ytd only) | 8.0066% | 975 |
| Net charge-offs to loans | 0.0040% | 3,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,356.0000% | 67 |
| Efficiency ratio | 49.6986% | 4,745 |
| Assets per employee ($millions) | 6.0758% | 1,581 |
| Cash dividends to net income (ytd only)* | 64.9889% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 1,209 |
| Loan loss allowance to noncurrent loans | 565.1246% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1005% | 4,124 |
| Noncurrent loans to loans | 0.2666% | 3,490 |
| Net loans and leases to total assets | 37.1413% | 4,815 |
| Net loans and leases to deposits | 41.3042% | 4,881 |
| Net loans and leases to core deposits | 44.5020% | 4,863 |
| Total domestic deposits to total assets | 89.9212% | 348 |
| Equity capital to assets | 9.1639% | 4,600 |
| Core capital (leverage) ratio | 8.7331% | 4,707 |
| Tier 1 risk-based capital ratio | 22.1273% | 1,008 |
| Total risk-based capital ratio | 23.3789% | 984 |
| Memoranda: | ||
| Average total assets | $265,395,600 | 2,359 |
| Average earning assets | $255,419,600 | 2,298 |
| Average equity | $23,718,000 | 2,820 |
| Average total loans | $101,190,200 | 3,209 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7506% | 4,726 |
| Cost of funding earning assets | 0.1683% | 5,090 |
| Net interest margin | 3.5823% | 3,297 |
| Noninterest income to average assets | 0.6329% | 2,056 |
| Noninterest expense to average assets | 2.0030% | 4,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0763% | 339 |
| Return on assets (ROA) | 2.0763% | 353 |
| Pretax return on assets | 2.0763% | 583 |
| Return on Equity (ROE) | 23.3913% | 125 |
| Retained earnings to average equity (ytd only) | 8.2942% | 1,284 |
| Net charge-offs to loans | 0.0013% | 3,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 4,088.1203% | 10 |
| Efficiency ratio | 49.1013% | 4,792 |
| Assets per employee ($millions) | 5.6382% | 1,899 |
| Cash dividends to net income (ytd only)* | 64.5415% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 1,085 |
| Loan loss allowance to noncurrent loans | 234.6608% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 3,587 |
| Noncurrent loans to loans | 0.6653% | 2,294 |
| Net loans and leases to total assets | 36.3140% | 4,926 |
| Net loans and leases to deposits | 40.4215% | 4,983 |
| Net loans and leases to core deposits | 43.5783% | 4,971 |
| Total domestic deposits to total assets | 89.8382% | 327 |
| Equity capital to assets | 9.1732% | 4,681 |
| Core capital (leverage) ratio | 8.7921% | 4,781 |
| Tier 1 risk-based capital ratio | 22.3423% | 1,028 |
| Total risk-based capital ratio | 23.5946% | 999 |
| Memoranda: | ||
| Average total assets | $261,872,750 | 2,401 |
| Average earning assets | $251,937,000 | 2,344 |
| Average equity | $23,244,500 | 2,872 |
| Average total loans | $100,139,500 | 3,265 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7497% | 4,772 |
| Cost of funding earning assets | 0.1603% | 5,144 |
| Net interest margin | 3.5895% | 3,291 |
| Noninterest income to average assets | 0.6224% | 2,054 |
| Noninterest expense to average assets | 2.0267% | 4,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0461% | 358 |
| Return on assets (ROA) | 2.0461% | 373 |
| Pretax return on assets | 2.0461% | 624 |
| Return on Equity (ROE) | 23.3311% | 131 |
| Retained earnings to average equity (ytd only) | 8.1082% | 1,346 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7612% | 4,795 |
| Assets per employee ($millions) | 5.4822% | 1,984 |
| Cash dividends to net income (ytd only)* | 65.2471% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 1,075 |
| Loan loss allowance to noncurrent loans | 556.6434% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 4,210 |
| Noncurrent loans to loans | 0.2838% | 3,519 |
| Net loans and leases to total assets | 37.6930% | 4,922 |
| Net loans and leases to deposits | 41.9847% | 4,996 |
| Net loans and leases to core deposits | 45.1672% | 4,980 |
| Total domestic deposits to total assets | 89.7780% | 393 |
| Equity capital to assets | 9.2097% | 4,644 |
| Core capital (leverage) ratio | 9.0022% | 4,625 |
| Tier 1 risk-based capital ratio | 22.4288% | 1,006 |
| Total risk-based capital ratio | 23.6819% | 987 |
| Memoranda: | ||
| Average total assets | $257,073,330 | 2,439 |
| Average earning assets | $247,110,670 | 2,373 |
| Average equity | $22,545,000 | 2,921 |
| Average total loans | $99,547,330 | 3,290 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 4,742 |
| Cost of funding earning assets | 0.1296% | 5,241 |
| Net interest margin | 3.6462% | 3,085 |
| Noninterest income to average assets | 0.6062% | 2,016 |
| Noninterest expense to average assets | 2.0611% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0454% | 356 |
| Return on assets (ROA) | 2.0454% | 371 |
| Pretax return on assets | 2.0454% | 592 |
| Return on Equity (ROE) | 23.9447% | 119 |
| Retained earnings to average equity (ytd only) | 23.9447% | 53 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1917% | 4,811 |
| Assets per employee ($millions) | 5.3102% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 1,043 |
| Loan loss allowance to noncurrent loans | 4,189.4737% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 4,791 |
| Noncurrent loans to loans | 0.0384% | 4,594 |
| Net loans and leases to total assets | 38.2068% | 4,951 |
| Net loans and leases to deposits | 42.4906% | 5,025 |
| Net loans and leases to core deposits | 45.8022% | 4,996 |
| Total domestic deposits to total assets | 89.9184% | 480 |
| Equity capital to assets | 9.0647% | 4,635 |
| Core capital (leverage) ratio | 9.4022% | 4,252 |
| Tier 1 risk-based capital ratio | 22.9941% | 936 |
| Total risk-based capital ratio | 24.2473% | 916 |
| Memoranda: | ||
| Average total assets | $254,036,500 | 2,483 |
| Average earning assets | $243,868,500 | 2,423 |
| Average equity | $21,700,000 | 3,005 |
| Average total loans | $98,931,000 | 3,338 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6067% | 4,789 |
| Cost of funding earning assets | 0.1053% | 5,277 |
| Net interest margin | 3.5014% | 3,700 |
| Noninterest income to average assets | 0.6456% | 2,059 |
| Noninterest expense to average assets | 2.1372% | 4,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8689% | 482 |
| Return on assets (ROA) | 1.8689% | 480 |
| Pretax return on assets | 1.8689% | 774 |
| Return on Equity (ROE) | 23.6365% | 113 |
| Retained earnings to average equity (ytd only) | 8.6948% | 982 |
| Net charge-offs to loans | -0.0011% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3491% | 4,675 |
| Assets per employee ($millions) | 5.1670% | 2,310 |
| Cash dividends to net income (ytd only)* | 63.2146% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 1,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 38.4278% | 4,998 |
| Net loans and leases to deposits | 42.2149% | 5,072 |
| Net loans and leases to core deposits | 45.6755% | 5,045 |
| Total domestic deposits to total assets | 91.0291% | 201 |
| Equity capital to assets | 8.0159% | 5,159 |
| Core capital (leverage) ratio | 9.0703% | 4,582 |
| Tier 1 risk-based capital ratio | 21.8467% | 1,050 |
| Total risk-based capital ratio | 23.0995% | 1,035 |
| Memoranda: | ||
| Average total assets | $243,355,200 | 2,521 |
| Average earning assets | $233,562,200 | 2,461 |
| Average equity | $19,241,400 | 3,160 |
| Average total loans | $91,701,000 | 3,444 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5439% | 4,888 |
| Cost of funding earning assets | 0.1026% | 5,348 |
| Net interest margin | 3.4413% | 3,889 |
| Noninterest income to average assets | 0.6387% | 2,125 |
| Noninterest expense to average assets | 2.0971% | 4,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8458% | 558 |
| Return on assets (ROA) | 1.8458% | 554 |
| Pretax return on assets | 1.8458% | 914 |
| Return on Equity (ROE) | 23.4301% | 117 |
| Retained earnings to average equity (ytd only) | 8.3674% | 1,487 |
| Net charge-offs to loans | -0.0015% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1864% | 4,691 |
| Assets per employee ($millions) | 5.1620% | 2,259 |
| Cash dividends to net income (ytd only)* | 64.2879% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 38.2357% | 5,074 |
| Net loans and leases to deposits | 41.7601% | 5,159 |
| Net loans and leases to core deposits | 45.1842% | 5,132 |
| Total domestic deposits to total assets | 91.5605% | 124 |
| Equity capital to assets | 7.4192% | 5,323 |
| Core capital (leverage) ratio | 8.7480% | 4,924 |
| Tier 1 risk-based capital ratio | 21.9425% | 1,059 |
| Total risk-based capital ratio | 23.1964% | 1,036 |
| Memoranda: | ||
| Average total assets | $240,898,000 | 2,549 |
| Average earning assets | $231,302,000 | 2,491 |
| Average equity | $18,978,000 | 3,205 |
| Average total loans | $89,905,000 | 3,513 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4833% | 4,942 |
| Cost of funding earning assets | 0.0996% | 5,412 |
| Net interest margin | 3.3837% | 4,003 |
| Noninterest income to average assets | 0.6379% | 2,146 |
| Noninterest expense to average assets | 2.1047% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7795% | 609 |
| Return on assets (ROA) | 1.7795% | 611 |
| Pretax return on assets | 1.7795% | 1,011 |
| Return on Equity (ROE) | 22.1419% | 160 |
| Retained earnings to average equity (ytd only) | 7.8847% | 1,676 |
| Net charge-offs to loans | -0.0023% | 3,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1864% | 4,674 |
| Assets per employee ($millions) | 5.0930% | 2,301 |
| Cash dividends to net income (ytd only)* | 64.3900% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7944% | 763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 35.6624% | 5,192 |
| Net loans and leases to deposits | 39.0283% | 5,271 |
| Net loans and leases to core deposits | 42.2749% | 5,234 |
| Total domestic deposits to total assets | 91.3758% | 176 |
| Equity capital to assets | 7.5860% | 5,352 |
| Core capital (leverage) ratio | 8.8830% | 4,807 |
| Tier 1 risk-based capital ratio | 21.5840% | 1,087 |
| Total risk-based capital ratio | 22.8373% | 1,062 |
| Memoranda: | ||
| Average total assets | $238,605,330 | 2,573 |
| Average earning assets | $228,924,000 | 2,518 |
| Average equity | $19,176,330 | 3,204 |
| Average total loans | $87,762,670 | 3,569 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4812% | 4,911 |
| Cost of funding earning assets | 0.0920% | 5,479 |
| Net interest margin | 3.3892% | 3,919 |
| Noninterest income to average assets | 0.6042% | 2,238 |
| Noninterest expense to average assets | 2.1317% | 4,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7244% | 655 |
| Return on assets (ROA) | 1.7244% | 664 |
| Pretax return on assets | 1.7244% | 1,056 |
| Return on Equity (ROE) | 20.8496% | 204 |
| Retained earnings to average equity (ytd only) | 20.8496% | 89 |
| Net charge-offs to loans | -0.0046% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2817% | 4,667 |
| Assets per employee ($millions) | 5.1023% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8272% | 741 |
| Loan loss allowance to noncurrent loans | 547.4227% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 4,489 |
| Noncurrent loans to loans | 0.3338% | 3,573 |
| Net loans and leases to total assets | 35.6909% | 5,218 |
| Net loans and leases to deposits | 39.2395% | 5,282 |
| Net loans and leases to core deposits | 42.5558% | 5,252 |
| Total domestic deposits to total assets | 90.9566% | 337 |
| Equity capital to assets | 8.0205% | 5,265 |
| Core capital (leverage) ratio | 9.1723% | 4,474 |
| Tier 1 risk-based capital ratio | 22.1170% | 1,036 |
| Total risk-based capital ratio | 23.3707% | 1,016 |
| Memoranda: | ||
| Average total assets | $235,677,000 | 2,621 |
| Average earning assets | $226,129,000 | 2,560 |
| Average equity | $19,492,000 | 3,201 |
| Average total loans | $87,257,000 | 3,603 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3292% | 5,046 |
| Cost of funding earning assets | 0.0931% | 5,519 |
| Net interest margin | 3.2362% | 4,342 |
| Noninterest income to average assets | 0.6538% | 2,176 |
| Noninterest expense to average assets | 2.2849% | 4,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4711% | 866 |
| Return on assets (ROA) | 1.5445% | 745 |
| Pretax return on assets | 1.5445% | 1,471 |
| Return on Equity (ROE) | 17.8413% | 322 |
| Retained earnings to average equity (ytd only) | 6.0832% | 1,493 |
| Net charge-offs to loans | 0.0047% | 3,918 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 832.5000% | 102 |
| Efficiency ratio | 60.8327% | 4,135 |
| Assets per employee ($millions) | 4.8239% | 2,705 |
| Cash dividends to net income (ytd only)* | 65.9039% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8229% | 751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 37.0291% | 5,255 |
| Net loans and leases to deposits | 40.9224% | 5,322 |
| Net loans and leases to core deposits | 44.4631% | 5,284 |
| Total domestic deposits to total assets | 90.4861% | 403 |
| Equity capital to assets | 8.5297% | 5,102 |
| Core capital (leverage) ratio | 9.0954% | 4,527 |
| Tier 1 risk-based capital ratio | 21.3905% | 1,080 |
| Total risk-based capital ratio | 22.6448% | 1,060 |
| Memoranda: | ||
| Average total assets | $226,358,400 | 2,669 |
| Average earning assets | $216,986,000 | 2,610 |
| Average equity | $19,595,000 | 3,190 |
| Average total loans | $85,000,800 | 3,636 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3202% | 5,085 |
| Cost of funding earning assets | 0.0927% | 5,580 |
| Net interest margin | 3.2275% | 4,390 |
| Noninterest income to average assets | 0.6469% | 2,223 |
| Noninterest expense to average assets | 2.2103% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5302% | 836 |
| Return on assets (ROA) | 1.6285% | 688 |
| Pretax return on assets | 1.6285% | 1,319 |
| Return on Equity (ROE) | 18.7420% | 291 |
| Retained earnings to average equity (ytd only) | 6.7087% | 1,837 |
| Net charge-offs to loans | 0.0032% | 3,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1,289.8539% | 75 |
| Efficiency ratio | 59.0909% | 4,340 |
| Assets per employee ($millions) | 4.7491% | 2,767 |
| Cash dividends to net income (ytd only)* | 64.2051% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 37.1585% | 5,297 |
| Net loans and leases to deposits | 41.1766% | 5,380 |
| Net loans and leases to core deposits | 44.2691% | 5,359 |
| Total domestic deposits to total assets | 90.2418% | 395 |
| Equity capital to assets | 8.7149% | 5,136 |
| Core capital (leverage) ratio | 8.8819% | 4,885 |
| Tier 1 risk-based capital ratio | 21.7901% | 1,068 |
| Total risk-based capital ratio | 23.0458% | 1,047 |
| Memoranda: | ||
| Average total assets | $225,061,750 | 2,704 |
| Average earning assets | $215,725,500 | 2,634 |
| Average equity | $19,556,250 | 3,215 |
| Average total loans | $84,418,250 | 3,676 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2986% | 5,108 |
| Cost of funding earning assets | 0.0910% | 5,631 |
| Net interest margin | 3.2076% | 4,397 |
| Noninterest income to average assets | 0.6481% | 2,215 |
| Noninterest expense to average assets | 2.2309% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4902% | 886 |
| Return on assets (ROA) | 1.4911% | 905 |
| Pretax return on assets | 1.4911% | 1,685 |
| Return on Equity (ROE) | 17.1784% | 401 |
| Retained earnings to average equity (ytd only) | 6.2128% | 2,009 |
| Net charge-offs to loans | 0.0048% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 829.0000% | 87 |
| Efficiency ratio | 59.9517% | 4,321 |
| Assets per employee ($millions) | 4.4162% | 3,245 |
| Cash dividends to net income (ytd only)* | 63.8336% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8743% | 759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 37.7939% | 5,310 |
| Net loans and leases to deposits | 42.0247% | 5,400 |
| Net loans and leases to core deposits | 45.2580% | 5,360 |
| Total domestic deposits to total assets | 89.9326% | 559 |
| Equity capital to assets | 8.9837% | 4,923 |
| Core capital (leverage) ratio | 9.1024% | 4,614 |
| Tier 1 risk-based capital ratio | 21.5328% | 1,112 |
| Total risk-based capital ratio | 22.7887% | 1,090 |
| Memoranda: | ||
| Average total assets | $222,513,670 | 2,744 |
| Average earning assets | $213,181,670 | 2,671 |
| Average equity | $19,315,000 | 3,241 |
| Average total loans | $83,203,000 | 3,715 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1136% | 5,353 |
| Cost of funding earning assets | 0.0878% | 5,694 |
| Net interest margin | 3.0258% | 4,837 |
| Noninterest income to average assets | 0.6465% | 2,199 |
| Noninterest expense to average assets | 2.1937% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3520% | 1,111 |
| Return on assets (ROA) | 1.3538% | 1,143 |
| Pretax return on assets | 1.3538% | 2,049 |
| Return on Equity (ROE) | 15.8707% | 541 |
| Retained earnings to average equity (ytd only) | 15.8707% | 202 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8687% | 4,169 |
| Assets per employee ($millions) | 4.7805% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9437% | 739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 35.8357% | 5,408 |
| Net loans and leases to deposits | 39.7095% | 5,476 |
| Net loans and leases to core deposits | 42.6919% | 5,447 |
| Total domestic deposits to total assets | 90.2445% | 560 |
| Equity capital to assets | 8.7180% | 5,059 |
| Core capital (leverage) ratio | 9.1197% | 4,584 |
| Tier 1 risk-based capital ratio | 22.4758% | 1,036 |
| Total risk-based capital ratio | 23.7325% | 1,013 |
| Memoranda: | ||
| Average total assets | $223,365,000 | 2,764 |
| Average earning assets | $214,027,500 | 2,689 |
| Average equity | $19,054,000 | 3,281 |
| Average total loans | $82,281,000 | 3,759 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1669% | 5,343 |
| Cost of funding earning assets | 0.0927% | 5,733 |
| Net interest margin | 3.0742% | 4,792 |
| Noninterest income to average assets | 0.6986% | 2,182 |
| Noninterest expense to average assets | 2.3563% | 4,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2835% | 1,254 |
| Return on assets (ROA) | 1.3912% | 1,058 |
| Pretax return on assets | 1.3912% | 1,978 |
| Return on Equity (ROE) | 15.3400% | 582 |
| Retained earnings to average equity (ytd only) | 5.2618% | 2,154 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7366% | 3,810 |
| Assets per employee ($millions) | 4.8271% | 2,607 |
| Cash dividends to net income (ytd only)* | 65.6990% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9357% | 750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 36.4127% | 5,473 |
| Net loans and leases to deposits | 40.1644% | 5,550 |
| Net loans and leases to core deposits | 43.1995% | 5,513 |
| Total domestic deposits to total assets | 90.6591% | 400 |
| Equity capital to assets | 8.3406% | 5,394 |
| Core capital (leverage) ratio | 8.9445% | 4,805 |
| Tier 1 risk-based capital ratio | 22.2720% | 1,044 |
| Total risk-based capital ratio | 23.5289% | 1,021 |
| Memoranda: | ||
| Average total assets | $215,420,200 | 2,802 |
| Average earning assets | $206,103,400 | 2,727 |
| Average equity | $19,537,200 | 3,215 |
| Average total loans | $82,940,400 | 3,741 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1913% | 5,372 |
| Cost of funding earning assets | 0.0919% | 5,802 |
| Net interest margin | 3.0994% | 4,779 |
| Noninterest income to average assets | 0.7148% | 2,108 |
| Noninterest expense to average assets | 2.3103% | 4,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3691% | 1,128 |
| Return on assets (ROA) | 1.4633% | 998 |
| Pretax return on assets | 1.4633% | 1,841 |
| Return on Equity (ROE) | 15.8044% | 567 |
| Retained earnings to average equity (ytd only) | 5.4972% | 2,484 |
| Net charge-offs to loans | 0.0016% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2,200.4436% | 27 |
| Efficiency ratio | 62.7903% | 4,099 |
| Assets per employee ($millions) | 4.7371% | 2,688 |
| Cash dividends to net income (ytd only)* | 65.2175% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9560% | 774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 36.6903% | 5,519 |
| Net loans and leases to deposits | 40.9520% | 5,610 |
| Net loans and leases to core deposits | 43.9033% | 5,582 |
| Total domestic deposits to total assets | 89.5933% | 624 |
| Equity capital to assets | 9.3067% | 4,858 |
| Core capital (leverage) ratio | 8.9200% | 4,921 |
| Tier 1 risk-based capital ratio | 22.8453% | 1,020 |
| Total risk-based capital ratio | 24.1027% | 1,006 |
| Memoranda: | ||
| Average total assets | $213,763,750 | 2,830 |
| Average earning assets | $204,466,500 | 2,757 |
| Average equity | $19,791,500 | 3,215 |
| Average total loans | $83,063,250 | 3,755 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2478% | 5,370 |
| Cost of funding earning assets | 0.0936% | 5,876 |
| Net interest margin | 3.1542% | 4,680 |
| Noninterest income to average assets | 0.7383% | 1,979 |
| Noninterest expense to average assets | 2.3307% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4229% | 1,023 |
| Return on assets (ROA) | 1.5651% | 822 |
| Pretax return on assets | 1.5651% | 1,476 |
| Return on Equity (ROE) | 16.9344% | 445 |
| Retained earnings to average equity (ytd only) | 5.9607% | 2,134 |
| Net charge-offs to loans | 0.0048% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 755.5000% | 74 |
| Efficiency ratio | 62.0923% | 4,336 |
| Assets per employee ($millions) | 4.3436% | 3,306 |
| Cash dividends to net income (ytd only)* | 64.8014% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 37.6647% | 5,528 |
| Net loans and leases to deposits | 42.1399% | 5,616 |
| Net loans and leases to core deposits | 45.2561% | 5,585 |
| Total domestic deposits to total assets | 89.3801% | 732 |
| Equity capital to assets | 9.4993% | 4,767 |
| Core capital (leverage) ratio | 9.0018% | 4,829 |
| Tier 1 risk-based capital ratio | 22.3146% | 1,103 |
| Total risk-based capital ratio | 23.5716% | 1,085 |
| Memoranda: | ||
| Average total assets | $212,382,330 | 2,865 |
| Average earning assets | $203,028,330 | 2,776 |
| Average equity | $19,628,670 | 3,236 |
| Average total loans | $83,569,000 | 3,762 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2640% | 5,388 |
| Cost of funding earning assets | 0.0908% | 5,950 |
| Net interest margin | 3.1733% | 4,663 |
| Noninterest income to average assets | 0.7843% | 1,680 |
| Noninterest expense to average assets | 2.3586% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4574% | 924 |
| Return on assets (ROA) | 1.7421% | 558 |
| Pretax return on assets | 1.7421% | 961 |
| Return on Equity (ROE) | 19.1166% | 284 |
| Retained earnings to average equity (ytd only) | 19.1166% | 109 |
| Net charge-offs to loans | 0.0142% | 2,659 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 257.6667% | 234 |
| Efficiency ratio | 61.8083% | 4,474 |
| Assets per employee ($millions) | 4.6561% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9050% | 964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 38.2978% | 5,543 |
| Net loans and leases to deposits | 42.7803% | 5,635 |
| Net loans and leases to core deposits | 45.9129% | 5,593 |
| Total domestic deposits to total assets | 89.5220% | 823 |
| Equity capital to assets | 9.4242% | 4,745 |
| Core capital (leverage) ratio | 9.2134% | 4,584 |
| Tier 1 risk-based capital ratio | 22.3728% | 1,107 |
| Total risk-based capital ratio | 23.6296% | 1,083 |
| Memoranda: | ||
| Average total assets | $212,155,500 | 2,866 |
| Average earning assets | $202,693,500 | 2,795 |
| Average equity | $19,334,000 | 3,269 |
| Average total loans | $84,474,500 | 3,741 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4011% | 5,156 |
| Cost of funding earning assets | 0.0900% | 6,001 |
| Net interest margin | 3.3111% | 4,249 |
| Noninterest income to average assets | 0.8455% | 1,625 |
| Noninterest expense to average assets | 2.4969% | 4,236 |
| Loan and lease loss provision to assets | 0.0124% | 4,157 |
| Net operating income to assets | 1.4762% | 903 |
| Return on assets (ROA) | 1.4772% | 931 |
| Pretax return on assets | 1.4772% | 1,630 |
| Return on Equity (ROE) | 16.1521% | 541 |
| Retained earnings to average equity (ytd only) | 5.5721% | 2,036 |
| Net charge-offs to loans | -0.0012% | 4,847 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6494% | 4,505 |
| Assets per employee ($millions) | 4.5680% | 2,928 |
| Cash dividends to net income (ytd only)* | 65.5022% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8704% | 1,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 39.8484% | 5,525 |
| Net loans and leases to deposits | 44.1858% | 5,645 |
| Net loans and leases to core deposits | 47.4524% | 5,588 |
| Total domestic deposits to total assets | 90.1836% | 554 |
| Equity capital to assets | 8.7960% | 5,312 |
| Core capital (leverage) ratio | 9.0338% | 4,845 |
| Tier 1 risk-based capital ratio | 20.4524% | 1,396 |
| Total risk-based capital ratio | 21.7092% | 1,371 |
| Memoranda: | ||
| Average total assets | $201,530,400 | 2,935 |
| Average earning assets | $191,114,600 | 2,878 |
| Average equity | $18,431,000 | 3,322 |
| Average total loans | $82,338,000 | 3,762 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4181% | 5,167 |
| Cost of funding earning assets | 0.0905% | 6,088 |
| Net interest margin | 3.3276% | 4,226 |
| Noninterest income to average assets | 0.8867% | 1,490 |
| Noninterest expense to average assets | 2.4616% | 4,307 |
| Loan and lease loss provision to assets | 0.0167% | 3,939 |
| Net operating income to assets | 1.5568% | 837 |
| Return on assets (ROA) | 1.5581% | 878 |
| Pretax return on assets | 1.5581% | 1,510 |
| Return on Equity (ROE) | 16.8671% | 482 |
| Retained earnings to average equity (ytd only) | 6.1243% | 2,171 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0043% | 4,731 |
| Assets per employee ($millions) | 4.2078% | 3,503 |
| Cash dividends to net income (ytd only)* | 63.6911% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 1,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 42.2310% | 5,474 |
| Net loans and leases to deposits | 47.3051% | 5,603 |
| Net loans and leases to core deposits | 50.4576% | 5,562 |
| Total domestic deposits to total assets | 89.2737% | 886 |
| Equity capital to assets | 9.5789% | 4,658 |
| Core capital (leverage) ratio | 9.2711% | 4,626 |
| Tier 1 risk-based capital ratio | 20.3062% | 1,473 |
| Total risk-based capital ratio | 21.5629% | 1,443 |
| Memoranda: | ||
| Average total assets | $199,380,750 | 2,975 |
| Average earning assets | $188,640,000 | 2,926 |
| Average equity | $18,418,000 | 3,351 |
| Average total loans | $81,590,250 | 3,816 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3565% | 5,319 |
| Cost of funding earning assets | 0.0911% | 6,160 |
| Net interest margin | 3.2654% | 4,436 |
| Noninterest income to average assets | 0.7303% | 2,090 |
| Noninterest expense to average assets | 2.4410% | 4,425 |
| Loan and lease loss provision to assets | 0.0250% | 3,636 |
| Net operating income to assets | 1.3465% | 1,202 |
| Return on assets (ROA) | 1.3465% | 1,244 |
| Pretax return on assets | 1.3465% | 2,192 |
| Return on Equity (ROE) | 14.7566% | 770 |
| Retained earnings to average equity (ytd only) | 4.9335% | 2,893 |
| Net charge-offs to loans | 0.0025% | 3,814 |
| Credit loss provision to net charge-offs | 2,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 1,371.0000% | 43 |
| Efficiency ratio | 64.0252% | 4,357 |
| Assets per employee ($millions) | 4.0145% | 3,853 |
| Cash dividends to net income (ytd only)* | 66.5676% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9391% | 1,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 3,562 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 40.9788% | 5,574 |
| Net loans and leases to deposits | 45.7138% | 5,694 |
| Net loans and leases to core deposits | 48.6802% | 5,667 |
| Total domestic deposits to total assets | 89.6421% | 816 |
| Equity capital to assets | 9.2055% | 5,009 |
| Core capital (leverage) ratio | 9.5214% | 4,255 |
| Tier 1 risk-based capital ratio | 19.9103% | 1,570 |
| Total risk-based capital ratio | 21.1664% | 1,525 |
| Memoranda: | ||
| Average total assets | $199,918,670 | 2,993 |
| Average earning assets | $188,708,670 | 2,944 |
| Average equity | $18,242,670 | 3,390 |
| Average total loans | $80,415,670 | 3,861 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3064% | 5,438 |
| Cost of funding earning assets | 0.0924% | 6,231 |
| Net interest margin | 3.2139% | 4,553 |
| Noninterest income to average assets | 0.7602% | 1,865 |
| Noninterest expense to average assets | 2.3997% | 4,592 |
| Loan and lease loss provision to assets | 0.0298% | 3,294 |
| Net operating income to assets | 1.3676% | 1,097 |
| Return on assets (ROA) | 1.3676% | 1,159 |
| Pretax return on assets | 1.3676% | 2,007 |
| Return on Equity (ROE) | 15.0519% | 699 |
| Retained earnings to average equity (ytd only) | 15.0519% | 278 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1992% | 4,599 |
| Assets per employee ($millions) | 4.2932% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9787% | 1,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 3,659 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 38.1025% | 5,716 |
| Net loans and leases to deposits | 42.4670% | 5,813 |
| Net loans and leases to core deposits | 44.8002% | 5,808 |
| Total domestic deposits to total assets | 89.7226% | 889 |
| Equity capital to assets | 9.1938% | 5,093 |
| Core capital (leverage) ratio | 9.0277% | 4,921 |
| Tier 1 risk-based capital ratio | 20.0257% | 1,609 |
| Total risk-based capital ratio | 21.2813% | 1,578 |
| Memoranda: | ||
| Average total assets | $201,523,500 | 2,995 |
| Average earning assets | $190,420,500 | 2,941 |
| Average equity | $18,310,000 | 3,404 |
| Average total loans | $79,522,000 | 3,910 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4604% | 5,417 |
| Cost of funding earning assets | 0.0959% | 6,339 |
| Net interest margin | 3.3645% | 4,356 |
| Noninterest income to average assets | 0.8178% | 1,801 |
| Noninterest expense to average assets | 2.7049% | 3,847 |
| Loan and lease loss provision to assets | 0.0431% | 3,705 |
| Net operating income to assets | 1.2577% | 1,412 |
| Return on assets (ROA) | 1.2577% | 1,466 |
| Pretax return on assets | 1.2577% | 2,406 |
| Return on Equity (ROE) | 14.2704% | 885 |
| Retained earnings to average equity (ytd only) | 3.1817% | 3,971 |
| Net charge-offs to loans | 0.0515% | 3,801 |
| Credit loss provision to net charge-offs | 202.4390% | 1,217 |
| Earnings coverage of net charge-offs (x) | 61.0976% | 781 |
| Efficiency ratio | 67.5266% | 3,978 |
| Assets per employee ($millions) | 4.0199% | 3,908 |
| Cash dividends to net income (ytd only)* | 77.7044% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9889% | 1,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6767% | 3,546 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 39.2793% | 5,786 |
| Net loans and leases to deposits | 43.6441% | 5,892 |
| Net loans and leases to core deposits | 47.1696% | 5,847 |
| Total domestic deposits to total assets | 89.9992% | 729 |
| Equity capital to assets | 8.9728% | 5,322 |
| Core capital (leverage) ratio | 8.7132% | 5,337 |
| Tier 1 risk-based capital ratio | 20.9271% | 1,421 |
| Total risk-based capital ratio | 22.1845% | 1,389 |
| Memoranda: | ||
| Average total assets | $192,579,600 | 3,076 |
| Average earning assets | $182,462,600 | 3,008 |
| Average equity | $16,972,200 | 3,528 |
| Average total loans | $79,651,200 | 3,881 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4560% | 5,479 |
| Cost of funding earning assets | 0.0968% | 6,421 |
| Net interest margin | 3.3592% | 4,393 |
| Noninterest income to average assets | 0.8168% | 1,828 |
| Noninterest expense to average assets | 2.6717% | 3,937 |
| Loan and lease loss provision to assets | 0.0467% | 3,454 |
| Net operating income to assets | 1.2882% | 1,400 |
| Return on assets (ROA) | 1.2882% | 1,456 |
| Pretax return on assets | 1.2882% | 2,423 |
| Return on Equity (ROE) | 14.6850% | 880 |
| Retained earnings to average equity (ytd only) | 3.7149% | 3,998 |
| Net charge-offs to loans | -0.0017% | 5,181 |
| Credit loss provision to net charge-offs | -6,700.0000% | 6,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6840% | 4,099 |
| Assets per employee ($millions) | 3.8097% | 4,269 |
| Cash dividends to net income (ytd only)* | 74.7025% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9886% | 1,280 |
| Loan loss allowance to noncurrent loans | 205.6701% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.7906% | 3,451 |
| Noncurrent loans to loans | 0.9669% | 3,150 |
| Net loans and leases to total assets | 41.2959% | 5,730 |
| Net loans and leases to deposits | 46.0192% | 5,862 |
| Net loans and leases to core deposits | 49.7924% | 5,802 |
| Total domestic deposits to total assets | 89.7361% | 854 |
| Equity capital to assets | 9.0023% | 5,351 |
| Core capital (leverage) ratio | 9.1031% | 4,930 |
| Tier 1 risk-based capital ratio | 20.8131% | 1,488 |
| Total risk-based capital ratio | 22.0712% | 1,460 |
| Memoranda: | ||
| Average total assets | $191,481,000 | 3,116 |
| Average earning assets | $181,826,500 | 3,037 |
| Average equity | $16,796,750 | 3,574 |
| Average total loans | $79,829,000 | 3,910 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4658% | 5,486 |
| Cost of funding earning assets | 0.0966% | 6,490 |
| Net interest margin | 3.3692% | 4,313 |
| Noninterest income to average assets | 0.8456% | 1,680 |
| Noninterest expense to average assets | 2.5838% | 4,293 |
| Loan and lease loss provision to assets | 0.0469% | 3,369 |
| Net operating income to assets | 1.4139% | 1,030 |
| Return on assets (ROA) | 1.4139% | 1,071 |
| Pretax return on assets | 1.4139% | 1,849 |
| Return on Equity (ROE) | 16.2593% | 632 |
| Retained earnings to average equity (ytd only) | 4.6044% | 3,230 |
| Net charge-offs to loans | -0.0025% | 5,077 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8824% | 4,705 |
| Assets per employee ($millions) | 3.6779% | 4,489 |
| Cash dividends to net income (ytd only)* | 71.6814% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9481% | 1,460 |
| Loan loss allowance to noncurrent loans | 1,809.1954% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 4,876 |
| Noncurrent loans to loans | 0.1077% | 5,691 |
| Net loans and leases to total assets | 40.6410% | 5,773 |
| Net loans and leases to deposits | 45.1899% | 5,927 |
| Net loans and leases to core deposits | 48.7706% | 5,861 |
| Total domestic deposits to total assets | 89.9338% | 845 |
| Equity capital to assets | 8.9104% | 5,395 |
| Core capital (leverage) ratio | 9.2004% | 4,740 |
| Tier 1 risk-based capital ratio | 20.9550% | 1,458 |
| Total risk-based capital ratio | 22.2134% | 1,429 |
| Memoranda: | ||
| Average total assets | $191,813,330 | 3,126 |
| Average earning assets | $182,121,000 | 3,051 |
| Average equity | $16,679,670 | 3,585 |
| Average total loans | $79,686,000 | 3,920 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4410% | 5,555 |
| Cost of funding earning assets | 0.1021% | 6,559 |
| Net interest margin | 3.3389% | 4,381 |
| Noninterest income to average assets | 0.8767% | 1,463 |
| Noninterest expense to average assets | 2.5692% | 4,383 |
| Loan and lease loss provision to assets | 0.0484% | 3,128 |
| Net operating income to assets | 1.4212% | 951 |
| Return on assets (ROA) | 1.4212% | 994 |
| Pretax return on assets | 1.4212% | 1,676 |
| Return on Equity (ROE) | 16.5534% | 583 |
| Retained earnings to average equity (ytd only) | 16.5534% | 241 |
| Net charge-offs to loans | -0.0051% | 4,823 |
| Credit loss provision to net charge-offs | -2,300.0000% | 5,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6127% | 4,921 |
| Assets per employee ($millions) | 4.1078% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 1,626 |
| Loan loss allowance to noncurrent loans | 1,892.6829% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 4,357 |
| Noncurrent loans to loans | 0.1030% | 5,817 |
| Net loans and leases to total assets | 40.4251% | 5,779 |
| Net loans and leases to deposits | 44.8624% | 5,926 |
| Net loans and leases to core deposits | 48.4355% | 5,850 |
| Total domestic deposits to total assets | 90.1092% | 1,008 |
| Equity capital to assets | 8.7586% | 5,380 |
| Core capital (leverage) ratio | 9.2079% | 4,709 |
| Tier 1 risk-based capital ratio | 21.4993% | 1,373 |
| Total risk-based capital ratio | 22.7568% | 1,349 |
| Memoranda: | ||
| Average total assets | $190,255,500 | 3,168 |
| Average earning assets | $180,180,500 | 3,096 |
| Average equity | $16,335,000 | 3,647 |
| Average total loans | $79,131,500 | 3,965 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5240% | 5,593 |
| Cost of funding earning assets | 0.1311% | 6,605 |
| Net interest margin | 3.3929% | 4,302 |
| Noninterest income to average assets | 0.8151% | 2,006 |
| Noninterest expense to average assets | 2.7367% | 3,965 |
| Loan and lease loss provision to assets | 0.0639% | 3,852 |
| Net operating income to assets | 1.2269% | 1,461 |
| Return on assets (ROA) | 1.3393% | 1,198 |
| Pretax return on assets | 1.3393% | 2,013 |
| Return on Equity (ROE) | 15.1689% | 734 |
| Retained earnings to average equity (ytd only) | 4.2779% | 3,130 |
| Net charge-offs to loans | -0.0013% | 5,833 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9497% | 4,210 |
| Assets per employee ($millions) | 3.9881% | 3,887 |
| Cash dividends to net income (ytd only)* | 71.7979% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9425% | 1,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 4,507 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 41.1512% | 5,880 |
| Net loans and leases to deposits | 45.4607% | 6,048 |
| Net loans and leases to core deposits | 49.3481% | 5,972 |
| Total domestic deposits to total assets | 90.5203% | 800 |
| Equity capital to assets | 8.4079% | 5,681 |
| Core capital (leverage) ratio | 9.1051% | 4,851 |
| Tier 1 risk-based capital ratio | 20.9660% | 1,425 |
| Total risk-based capital ratio | 22.2237% | 1,406 |
| Memoranda: | ||
| Average total assets | $187,706,800 | 3,189 |
| Average earning assets | $177,725,000 | 3,104 |
| Average equity | $16,573,400 | 3,622 |
| Average total loans | $79,359,600 | 3,955 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4484% | 5,787 |
| Cost of funding earning assets | 0.1386% | 6,674 |
| Net interest margin | 3.3098% | 4,600 |
| Noninterest income to average assets | 0.8002% | 2,145 |
| Noninterest expense to average assets | 2.6741% | 4,117 |
| Loan and lease loss provision to assets | 0.0696% | 3,672 |
| Net operating income to assets | 1.1936% | 1,659 |
| Return on assets (ROA) | 1.1936% | 1,731 |
| Pretax return on assets | 1.1936% | 2,731 |
| Return on Equity (ROE) | 13.3594% | 1,149 |
| Retained earnings to average equity (ytd only) | 3.5922% | 4,136 |
| Net charge-offs to loans | -0.0017% | 5,678 |
| Credit loss provision to net charge-offs | -9,800.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9170% | 4,115 |
| Assets per employee ($millions) | 3.8028% | 4,234 |
| Cash dividends to net income (ytd only)* | 73.1113% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9076% | 1,984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6252% | 4,569 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 41.5603% | 5,930 |
| Net loans and leases to deposits | 46.1866% | 6,082 |
| Net loans and leases to core deposits | 50.1837% | 6,005 |
| Total domestic deposits to total assets | 89.9833% | 1,008 |
| Equity capital to assets | 8.8484% | 5,366 |
| Core capital (leverage) ratio | 9.0434% | 5,061 |
| Tier 1 risk-based capital ratio | 20.9490% | 1,503 |
| Total risk-based capital ratio | 22.2062% | 1,477 |
| Memoranda: | ||
| Average total assets | $187,772,750 | 3,218 |
| Average earning assets | $177,971,750 | 3,127 |
| Average equity | $16,776,750 | 3,633 |
| Average total loans | $79,533,750 | 3,983 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4260% | 5,849 |
| Cost of funding earning assets | 0.1503% | 6,707 |
| Net interest margin | 3.2757% | 4,664 |
| Noninterest income to average assets | 0.8117% | 2,139 |
| Noninterest expense to average assets | 2.6752% | 4,126 |
| Loan and lease loss provision to assets | 0.0797% | 3,463 |
| Net operating income to assets | 1.1602% | 1,700 |
| Return on assets (ROA) | 1.1602% | 1,817 |
| Pretax return on assets | 1.1602% | 2,841 |
| Return on Equity (ROE) | 12.9438% | 1,256 |
| Retained earnings to average equity (ytd only) | 3.2122% | 4,263 |
| Net charge-offs to loans | -0.0075% | 5,711 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3311% | 4,120 |
| Assets per employee ($millions) | 3.3368% | 5,197 |
| Cash dividends to net income (ytd only)* | 75.1832% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8525% | 2,255 |
| Loan loss allowance to noncurrent loans | 450.0000% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 4,199 |
| Noncurrent loans to loans | 0.4117% | 5,230 |
| Net loans and leases to total assets | 43.6627% | 5,770 |
| Net loans and leases to deposits | 48.5375% | 5,946 |
| Net loans and leases to core deposits | 53.1523% | 5,810 |
| Total domestic deposits to total assets | 89.9566% | 1,053 |
| Equity capital to assets | 8.8602% | 5,379 |
| Core capital (leverage) ratio | 8.9076% | 5,135 |
| Tier 1 risk-based capital ratio | 20.3535% | 1,639 |
| Total risk-based capital ratio | 21.6104% | 1,618 |
| Memoranda: | ||
| Average total assets | $188,250,670 | 3,224 |
| Average earning assets | $178,343,330 | 3,143 |
| Average equity | $16,873,000 | 3,642 |
| Average total loans | $79,728,670 | 3,987 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3171% | 6,123 |
| Cost of funding earning assets | 0.1667% | 6,746 |
| Net interest margin | 3.1504% | 5,089 |
| Noninterest income to average assets | 0.7905% | 2,161 |
| Noninterest expense to average assets | 2.6732% | 4,174 |
| Loan and lease loss provision to assets | 0.0936% | 3,104 |
| Net operating income to assets | 1.0110% | 2,176 |
| Return on assets (ROA) | 1.0110% | 2,294 |
| Pretax return on assets | 1.0110% | 3,302 |
| Return on Equity (ROE) | 11.2195% | 1,638 |
| Retained earnings to average equity (ytd only) | 11.2195% | 828 |
| Net charge-offs to loans | -0.0050% | 5,266 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7599% | 3,834 |
| Assets per employee ($millions) | 3.9813% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8277% | 2,519 |
| Loan loss allowance to noncurrent loans | 72,650.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.5813% | 4,937 |
| Noncurrent loans to loans | 0.0025% | 6,519 |
| Net loans and leases to total assets | 40.0053% | 5,993 |
| Net loans and leases to deposits | 44.4518% | 6,167 |
| Net loans and leases to core deposits | 48.3700% | 6,077 |
| Total domestic deposits to total assets | 89.9971% | 1,057 |
| Equity capital to assets | 8.9633% | 5,532 |
| Core capital (leverage) ratio | 8.6859% | 5,347 |
| Tier 1 risk-based capital ratio | 20.7931% | 1,588 |
| Total risk-based capital ratio | 22.0497% | 1,559 |
| Memoranda: | ||
| Average total assets | $192,282,000 | 3,191 |
| Average earning assets | $182,325,500 | 3,112 |
| Average equity | $17,327,000 | 3,613 |
| Average total loans | $79,513,000 | 4,022 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7932% | 5,837 |
| Cost of funding earning assets | 0.2208% | 6,774 |
| Net interest margin | 3.5724% | 4,219 |
| Noninterest income to average assets | 0.8140% | 2,198 |
| Noninterest expense to average assets | 2.8906% | 3,676 |
| Loan and lease loss provision to assets | 0.0965% | 4,446 |
| Net operating income to assets | 1.2085% | 1,578 |
| Return on assets (ROA) | 1.4968% | 1,011 |
| Pretax return on assets | 1.4968% | 1,685 |
| Return on Equity (ROE) | 16.3002% | 618 |
| Retained earnings to average equity (ytd only) | 5.5851% | 2,328 |
| Net charge-offs to loans | 0.2299% | 3,556 |
| Credit loss provision to net charge-offs | 97.2973% | 3,187 |
| Earnings coverage of net charge-offs (x) | 13.1622% | 1,858 |
| Efficiency ratio | 68.8977% | 3,988 |
| Assets per employee ($millions) | 3.8669% | 4,238 |
| Cash dividends to net income (ytd only)* | 65.7358% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 2,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5974% | 4,982 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 41.2297% | 6,077 |
| Net loans and leases to deposits | 45.8457% | 6,260 |
| Net loans and leases to core deposits | 49.0587% | 6,204 |
| Total domestic deposits to total assets | 89.9314% | 982 |
| Equity capital to assets | 9.0606% | 5,452 |
| Core capital (leverage) ratio | 8.6709% | 5,367 |
| Tier 1 risk-based capital ratio | 20.6427% | 1,535 |
| Total risk-based capital ratio | 21.8995% | 1,505 |
| Memoranda: | ||
| Average total assets | $186,602,400 | 3,211 |
| Average earning assets | $176,633,400 | 3,137 |
| Average equity | $17,134,800 | 3,603 |
| Average total loans | $80,460,800 | 4,027 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 5,859 |
| Cost of funding earning assets | 0.2304% | 6,873 |
| Net interest margin | 3.6394% | 4,061 |
| Noninterest income to average assets | 0.8105% | 2,193 |
| Noninterest expense to average assets | 2.7414% | 4,207 |
| Loan and lease loss provision to assets | 0.0968% | 4,362 |
| Net operating income to assets | 1.4166% | 1,190 |
| Return on assets (ROA) | 1.5386% | 1,068 |
| Pretax return on assets | 1.5386% | 1,760 |
| Return on Equity (ROE) | 16.6989% | 641 |
| Retained earnings to average equity (ytd only) | 7.0143% | 2,121 |
| Net charge-offs to loans | 0.0826% | 4,571 |
| Credit loss provision to net charge-offs | 270.0000% | 1,008 |
| Earnings coverage of net charge-offs (x) | 42.1968% | 844 |
| Efficiency ratio | 64.4302% | 4,735 |
| Assets per employee ($millions) | 3.6559% | 4,640 |
| Cash dividends to net income (ytd only)* | 57.9955% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 2,713 |
| Loan loss allowance to noncurrent loans | 1,609.6774% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.7493% | 4,820 |
| Noncurrent loans to loans | 0.1134% | 6,328 |
| Net loans and leases to total assets | 43.1794% | 6,026 |
| Net loans and leases to deposits | 48.3244% | 6,241 |
| Net loans and leases to core deposits | 52.4486% | 6,153 |
| Total domestic deposits to total assets | 89.3532% | 1,214 |
| Equity capital to assets | 9.5983% | 5,061 |
| Core capital (leverage) ratio | 8.7858% | 5,370 |
| Tier 1 risk-based capital ratio | 18.8189% | 2,064 |
| Total risk-based capital ratio | 20.0754% | 2,032 |
| Memoranda: | ||
| Average total assets | $185,883,000 | 3,260 |
| Average earning assets | $175,921,000 | 3,182 |
| Average equity | $17,126,500 | 3,632 |
| Average total loans | $80,693,750 | 4,063 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8920% | 5,936 |
| Cost of funding earning assets | 0.2403% | 6,942 |
| Net interest margin | 3.6516% | 4,029 |
| Noninterest income to average assets | 0.8164% | 2,110 |
| Noninterest expense to average assets | 2.7249% | 4,306 |
| Loan and lease loss provision to assets | 0.0969% | 4,325 |
| Net operating income to assets | 1.4475% | 1,093 |
| Return on assets (ROA) | 1.4691% | 1,178 |
| Pretax return on assets | 1.4691% | 1,959 |
| Return on Equity (ROE) | 16.1707% | 747 |
| Retained earnings to average equity (ytd only) | 6.3426% | 2,475 |
| Net charge-offs to loans | 0.1246% | 3,931 |
| Credit loss provision to net charge-offs | 180.0000% | 1,567 |
| Earnings coverage of net charge-offs (x) | 28.6800% | 1,104 |
| Efficiency ratio | 63.8244% | 4,924 |
| Assets per employee ($millions) | 3.5499% | 4,872 |
| Cash dividends to net income (ytd only)* | 60.7771% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 2,901 |
| Loan loss allowance to noncurrent loans | 1,595.6044% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.7557% | 4,906 |
| Noncurrent loans to loans | 0.1119% | 6,383 |
| Net loans and leases to total assets | 43.2579% | 6,086 |
| Net loans and leases to deposits | 48.2983% | 6,292 |
| Net loans and leases to core deposits | 51.7975% | 6,251 |
| Total domestic deposits to total assets | 89.5642% | 1,185 |
| Equity capital to assets | 9.3740% | 5,224 |
| Core capital (leverage) ratio | 8.4941% | 5,655 |
| Tier 1 risk-based capital ratio | 18.3873% | 2,165 |
| Total risk-based capital ratio | 19.6421% | 2,126 |
| Memoranda: | ||
| Average total assets | $185,694,000 | 3,266 |
| Average earning assets | $175,592,330 | 3,196 |
| Average equity | $16,870,000 | 3,662 |
| Average total loans | $80,256,670 | 4,099 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 6,095 |
| Cost of funding earning assets | 0.2543% | 6,999 |
| Net interest margin | 3.6131% | 4,210 |
| Noninterest income to average assets | 0.7904% | 2,209 |
| Noninterest expense to average assets | 2.7147% | 4,376 |
| Loan and lease loss provision to assets | 0.0966% | 4,140 |
| Net operating income to assets | 1.3960% | 1,231 |
| Return on assets (ROA) | 1.4390% | 1,278 |
| Pretax return on assets | 1.4390% | 2,059 |
| Return on Equity (ROE) | 16.0932% | 795 |
| Retained earnings to average equity (ytd only) | 16.0932% | 359 |
| Net charge-offs to loans | 0.0853% | 3,655 |
| Credit loss provision to net charge-offs | 264.7059% | 1,093 |
| Earnings coverage of net charge-offs (x) | 40.8824% | 739 |
| Efficiency ratio | 64.5227% | 4,829 |
| Assets per employee ($millions) | 3.8026% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 2,999 |
| Loan loss allowance to noncurrent loans | 237.2323% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.9132% | 4,692 |
| Noncurrent loans to loans | 0.7580% | 5,147 |
| Net loans and leases to total assets | 40.5470% | 6,301 |
| Net loans and leases to deposits | 44.8998% | 6,502 |
| Net loans and leases to core deposits | 48.2642% | 6,442 |
| Total domestic deposits to total assets | 90.3054% | 910 |
| Equity capital to assets | 8.7484% | 5,809 |
| Core capital (leverage) ratio | 8.4828% | 5,625 |
| Tier 1 risk-based capital ratio | 18.6411% | 2,098 |
| Total risk-based capital ratio | 19.8967% | 2,061 |
| Memoranda: | ||
| Average total assets | $186,243,500 | 3,279 |
| Average earning assets | $176,135,500 | 3,207 |
| Average equity | $16,653,000 | 3,702 |
| Average total loans | $79,733,000 | 4,129 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3100% | 5,733 |
| Cost of funding earning assets | 0.3301% | 7,053 |
| Net interest margin | 3.9799% | 2,985 |
| Noninterest income to average assets | 0.8805% | 1,743 |
| Noninterest expense to average assets | 3.0705% | 3,307 |
| Loan and lease loss provision to assets | 0.3158% | 3,152 |
| Net operating income to assets | 1.2372% | 1,413 |
| Return on assets (ROA) | 1.4742% | 955 |
| Pretax return on assets | 1.4742% | 1,551 |
| Return on Equity (ROE) | 15.7630% | 642 |
| Retained earnings to average equity (ytd only) | 4.4223% | 3,025 |
| Net charge-offs to loans | 0.5199% | 2,913 |
| Credit loss provision to net charge-offs | 124.8244% | 2,513 |
| Earnings coverage of net charge-offs (x) | 6.1382% | 2,584 |
| Efficiency ratio | 66.4104% | 4,680 |
| Assets per employee ($millions) | 3.4337% | 5,171 |
| Cash dividends to net income (ytd only)* | 71.9453% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 2,938 |
| Loan loss allowance to noncurrent loans | 1,008.5714% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 5,182 |
| Noncurrent loans to loans | 0.1763% | 6,397 |
| Net loans and leases to total assets | 43.6731% | 6,241 |
| Net loans and leases to deposits | 48.5926% | 6,455 |
| Net loans and leases to core deposits | 52.6014% | 6,397 |
| Total domestic deposits to total assets | 89.8759% | 1,058 |
| Equity capital to assets | 9.1513% | 5,353 |
| Core capital (leverage) ratio | 8.7412% | 5,190 |
| Tier 1 risk-based capital ratio | 18.2810% | 2,114 |
| Total risk-based capital ratio | 19.5363% | 2,075 |
| Memoranda: | ||
| Average total assets | $168,768,800 | 3,514 |
| Average earning assets | $158,722,200 | 3,428 |
| Average equity | $15,783,800 | 3,759 |
| Average total loans | $82,135,400 | 4,075 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 5,589 |
| Cost of funding earning assets | 0.3404% | 7,143 |
| Net interest margin | 4.0637% | 2,627 |
| Noninterest income to average assets | 0.8874% | 1,694 |
| Noninterest expense to average assets | 3.0767% | 3,249 |
| Loan and lease loss provision to assets | 0.3952% | 2,488 |
| Net operating income to assets | 1.2337% | 1,561 |
| Return on assets (ROA) | 1.5544% | 915 |
| Pretax return on assets | 1.5544% | 1,501 |
| Return on Equity (ROE) | 16.5248% | 608 |
| Retained earnings to average equity (ytd only) | 5.0367% | 3,146 |
| Net charge-offs to loans | -0.0048% | 6,712 |
| Credit loss provision to net charge-offs | -16,433.3333% | 6,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3833% | 4,830 |
| Assets per employee ($millions) | 3.1861% | 5,717 |
| Cash dividends to net income (ytd only)* | 69.5204% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2011% | 1,858 |
| Loan loss allowance to noncurrent loans | 168.5688% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.9463% | 4,860 |
| Noncurrent loans to loans | 1.3057% | 4,356 |
| Net loans and leases to total assets | 47.4156% | 6,017 |
| Net loans and leases to deposits | 53.0466% | 6,284 |
| Net loans and leases to core deposits | 57.8197% | 6,143 |
| Total domestic deposits to total assets | 89.3848% | 1,205 |
| Equity capital to assets | 9.5605% | 4,992 |
| Core capital (leverage) ratio | 9.0838% | 4,802 |
| Tier 1 risk-based capital ratio | 18.4477% | 2,103 |
| Total risk-based capital ratio | 19.7087% | 2,068 |
| Memoranda: | ||
| Average total assets | $166,322,500 | 3,570 |
| Average earning assets | $156,272,250 | 3,496 |
| Average equity | $15,644,750 | 3,796 |
| Average total loans | $82,821,250 | 4,092 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4651% | 5,466 |
| Cost of funding earning assets | 0.3458% | 7,232 |
| Net interest margin | 4.1193% | 2,341 |
| Noninterest income to average assets | 0.8896% | 1,677 |
| Noninterest expense to average assets | 3.1001% | 3,256 |
| Loan and lease loss provision to assets | 0.1015% | 5,041 |
| Net operating income to assets | 1.5603% | 790 |
| Return on assets (ROA) | 1.5652% | 832 |
| Pretax return on assets | 1.5652% | 1,342 |
| Return on Equity (ROE) | 16.7331% | 580 |
| Retained earnings to average equity (ytd only) | 5.5562% | 2,660 |
| Net charge-offs to loans | -0.0072% | 6,632 |
| Credit loss provision to net charge-offs | -2,800.0000% | 6,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1015% | 5,043 |
| Assets per employee ($millions) | 3.0407% | 5,993 |
| Cash dividends to net income (ytd only)* | 66.7954% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7139% | 3,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 6,324 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 48.6510% | 5,980 |
| Net loans and leases to deposits | 54.5331% | 6,269 |
| Net loans and leases to core deposits | 59.5912% | 6,128 |
| Total domestic deposits to total assets | 89.2138% | 1,411 |
| Equity capital to assets | 9.7241% | 4,504 |
| Core capital (leverage) ratio | 9.1061% | 4,554 |
| Tier 1 risk-based capital ratio | 18.1236% | 2,131 |
| Total risk-based capital ratio | 19.3975% | 2,080 |
| Memoranda: | ||
| Average total assets | $165,476,000 | 3,601 |
| Average earning assets | $155,561,670 | 3,532 |
| Average equity | $15,478,330 | 3,824 |
| Average total loans | $83,138,670 | 4,121 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 5,606 |
| Cost of funding earning assets | 0.3433% | 7,325 |
| Net interest margin | 4.0811% | 2,343 |
| Noninterest income to average assets | 0.8669% | 1,790 |
| Noninterest expense to average assets | 3.0630% | 3,411 |
| Loan and lease loss provision to assets | 0.0939% | 4,841 |
| Net operating income to assets | 1.5459% | 789 |
| Return on assets (ROA) | 1.5459% | 825 |
| Pretax return on assets | 1.5459% | 1,309 |
| Return on Equity (ROE) | 16.8570% | 588 |
| Retained earnings to average equity (ytd only) | 16.8570% | 290 |
| Net charge-offs to loans | -0.0143% | 6,461 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1306% | 5,181 |
| Assets per employee ($millions) | 3.0967% | 5,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 3,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 6,408 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 48.6940% | 5,995 |
| Net loans and leases to deposits | 54.2531% | 6,270 |
| Net loans and leases to core deposits | 59.2730% | 6,163 |
| Total domestic deposits to total assets | 89.7533% | 1,322 |
| Equity capital to assets | 9.2582% | 4,801 |
| Core capital (leverage) ratio | 9.1240% | 4,406 |
| Tier 1 risk-based capital ratio | 18.2765% | 2,030 |
| Total risk-based capital ratio | 19.5481% | 1,976 |
| Memoranda: | ||
| Average total assets | $166,114,000 | 3,618 |
| Average earning assets | $156,135,000 | 3,542 |
| Average equity | $15,234,000 | 3,856 |
| Average total loans | $84,069,000 | 4,134 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6155% | 6,065 |
| Cost of funding earning assets | 0.4109% | 7,417 |
| Net interest margin | 4.2047% | 2,166 |
| Noninterest income to average assets | 0.8564% | 2,028 |
| Noninterest expense to average assets | 3.0988% | 3,462 |
| Loan and lease loss provision to assets | 0.0811% | 6,341 |
| Net operating income to assets | 1.6345% | 588 |
| Return on assets (ROA) | 2.0607% | 264 |
| Pretax return on assets | 2.0607% | 425 |
| Return on Equity (ROE) | 24.1393% | 114 |
| Retained earnings to average equity (ytd only) | 12.4529% | 242 |
| Net charge-offs to loans | 0.1776% | 5,258 |
| Credit loss provision to net charge-offs | 92.1053% | 5,039 |
| Earnings coverage of net charge-offs (x) | 19.4934% | 1,056 |
| Efficiency ratio | 64.3656% | 5,288 |
| Assets per employee ($millions) | 2.8948% | 6,340 |
| Cash dividends to net income (ytd only)* | 48.4125% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 3,860 |
| Loan loss allowance to noncurrent loans | 194.0565% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 5,548 |
| Noncurrent loans to loans | 0.7884% | 5,461 |
| Net loans and leases to total assets | 50.9418% | 6,051 |
| Net loans and leases to deposits | 56.6362% | 6,388 |
| Net loans and leases to core deposits | 61.2055% | 6,301 |
| Total domestic deposits to total assets | 89.9457% | 1,130 |
| Equity capital to assets | 9.0822% | 5,018 |
| Core capital (leverage) ratio | 8.6736% | 5,066 |
| Tier 1 risk-based capital ratio | 16.9117% | 2,374 |
| Total risk-based capital ratio | 18.1861% | 2,340 |
| Memoranda: | ||
| Average total assets | $172,709,400 | 3,491 |
| Average earning assets | $162,581,400 | 3,398 |
| Average equity | $14,743,600 | 3,983 |
| Average total loans | $85,576,400 | 4,163 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6604% | 6,149 |
| Cost of funding earning assets | 0.4288% | 7,541 |
| Net interest margin | 4.2317% | 2,103 |
| Noninterest income to average assets | 0.8597% | 1,955 |
| Noninterest expense to average assets | 2.9791% | 3,824 |
| Loan and lease loss provision to assets | 0.0687% | 6,380 |
| Net operating income to assets | 1.7980% | 507 |
| Return on assets (ROA) | 1.7980% | 554 |
| Pretax return on assets | 1.7980% | 929 |
| Return on Equity (ROE) | 21.3847% | 229 |
| Retained earnings to average equity (ytd only) | 11.7503% | 489 |
| Net charge-offs to loans | 0.0202% | 6,390 |
| Credit loss provision to net charge-offs | 692.3077% | 427 |
| Earnings coverage of net charge-offs (x) | 188.1085% | 173 |
| Efficiency ratio | 61.4779% | 5,713 |
| Assets per employee ($millions) | 2.9726% | 6,214 |
| Cash dividends to net income (ytd only)* | 45.0531% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6517% | 3,326 |
| Loan loss allowance to noncurrent loans | 153.9735% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.7471% | 5,610 |
| Noncurrent loans to loans | 1.0727% | 5,090 |
| Net loans and leases to total assets | 48.1773% | 6,503 |
| Net loans and leases to deposits | 53.6438% | 6,791 |
| Net loans and leases to core deposits | 57.7851% | 6,743 |
| Total domestic deposits to total assets | 89.8097% | 964 |
| Equity capital to assets | 9.2199% | 5,280 |
| Core capital (leverage) ratio | 8.0302% | 6,300 |
| Tier 1 risk-based capital ratio | 16.2668% | 2,649 |
| Total risk-based capital ratio | 17.5502% | 2,590 |
| Memoranda: | ||
| Average total assets | $174,635,750 | 3,503 |
| Average earning assets | $164,501,750 | 3,415 |
| Average equity | $14,683,000 | 4,057 |
| Average total loans | $85,630,000 | 4,240 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 6,258 |
| Cost of funding earning assets | 0.4492% | 7,604 |
| Net interest margin | 4.2161% | 2,106 |
| Noninterest income to average assets | 0.8724% | 1,793 |
| Noninterest expense to average assets | 2.9958% | 3,729 |
| Loan and lease loss provision to assets | 0.0684% | 6,269 |
| Net operating income to assets | 1.7790% | 504 |
| Return on assets (ROA) | 1.7790% | 554 |
| Pretax return on assets | 1.7790% | 926 |
| Return on Equity (ROE) | 21.8508% | 216 |
| Retained earnings to average equity (ytd only) | 12.1440% | 471 |
| Net charge-offs to loans | 0.0302% | 5,916 |
| Credit loss provision to net charge-offs | 461.5385% | 793 |
| Earnings coverage of net charge-offs (x) | 124.6154% | 271 |
| Efficiency ratio | 61.8554% | 5,715 |
| Assets per employee ($millions) | 3.1433% | 5,806 |
| Cash dividends to net income (ytd only)* | 44.4231% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 3,565 |
| Loan loss allowance to noncurrent loans | 122.2023% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 5,677 |
| Noncurrent loans to loans | 1.2883% | 4,809 |
| Net loans and leases to total assets | 47.6313% | 6,649 |
| Net loans and leases to deposits | 52.5635% | 6,942 |
| Net loans and leases to core deposits | 56.7204% | 6,901 |
| Total domestic deposits to total assets | 90.6167% | 637 |
| Equity capital to assets | 8.4663% | 6,207 |
| Core capital (leverage) ratio | 7.8082% | 6,483 |
| Tier 1 risk-based capital ratio | 14.8025% | 3,262 |
| Total risk-based capital ratio | 16.0720% | 3,227 |
| Memoranda: | ||
| Average total assets | $175,378,000 | 3,510 |
| Average earning assets | $165,176,330 | 3,425 |
| Average equity | $14,278,670 | 4,142 |
| Average total loans | $86,021,000 | 4,250 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 6,249 |
| Cost of funding earning assets | 0.4884% | 7,687 |
| Net interest margin | 4.2089% | 2,006 |
| Noninterest income to average assets | 0.9015% | 1,619 |
| Noninterest expense to average assets | 3.0043% | 3,668 |
| Loan and lease loss provision to assets | 0.0692% | 5,947 |
| Net operating income to assets | 1.7823% | 517 |
| Return on assets (ROA) | 1.7823% | 565 |
| Pretax return on assets | 1.7823% | 912 |
| Return on Equity (ROE) | 22.3515% | 259 |
| Retained earnings to average equity (ytd only) | 22.3515% | 145 |
| Net charge-offs to loans | 0.0047% | 5,552 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 803.0000% | 26 |
| Efficiency ratio | 61.8708% | 5,855 |
| Assets per employee ($millions) | 3.0678% | 6,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 3,567 |
| Loan loss allowance to noncurrent loans | 225.6281% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 6,346 |
| Noncurrent loans to loans | 0.6970% | 5,937 |
| Net loans and leases to total assets | 48.2157% | 6,655 |
| Net loans and leases to deposits | 53.0562% | 6,978 |
| Net loans and leases to core deposits | 57.4839% | 6,907 |
| Total domestic deposits to total assets | 90.8768% | 595 |
| Equity capital to assets | 8.2173% | 6,414 |
| Core capital (leverage) ratio | 7.6896% | 6,638 |
| Tier 1 risk-based capital ratio | 14.6615% | 3,281 |
| Total risk-based capital ratio | 15.9147% | 3,244 |
| Memoranda: | ||
| Average total assets | $173,482,000 | 3,601 |
| Average earning assets | $162,989,500 | 3,509 |
| Average equity | $13,833,500 | 4,276 |
| Average total loans | $85,678,500 | 4,333 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1944% | 5,673 |
| Cost of funding earning assets | 0.7108% | 7,672 |
| Net interest margin | 4.4836% | 1,209 |
| Noninterest income to average assets | 0.9350% | 1,809 |
| Noninterest expense to average assets | 3.8356% | 1,620 |
| Loan and lease loss provision to assets | 0.0710% | 6,867 |
| Net operating income to assets | 1.2368% | 1,161 |
| Return on assets (ROA) | 1.3800% | 939 |
| Pretax return on assets | 1.3800% | 1,480 |
| Return on Equity (ROE) | 17.5855% | 399 |
| Retained earnings to average equity (ytd only) | 4.0975% | 2,345 |
| Net charge-offs to loans | 0.0195% | 6,948 |
| Credit loss provision to net charge-offs | 676.4706% | 429 |
| Earnings coverage of net charge-offs (x) | 124.6471% | 232 |
| Efficiency ratio | 74.5740% | 3,785 |
| Assets per employee ($millions) | 3.0193% | 6,174 |
| Cash dividends to net income (ytd only)* | 76.6995% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 3,538 |
| Loan loss allowance to noncurrent loans | 228.4229% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 6,347 |
| Noncurrent loans to loans | 0.6733% | 5,888 |
| Net loans and leases to total assets | 49.0296% | 6,727 |
| Net loans and leases to deposits | 53.6799% | 7,074 |
| Net loans and leases to core deposits | 61.4538% | 7,211 |
| Total domestic deposits to total assets | 91.3371% | 424 |
| Equity capital to assets | 7.7268% | 6,835 |
| Core capital (leverage) ratio | 7.8772% | 6,348 |
| Tier 1 risk-based capital ratio | 13.6258% | 3,739 |
| Total risk-based capital ratio | 14.8779% | 3,676 |
| Memoranda: | ||
| Average total assets | $162,034,200 | 3,730 |
| Average earning assets | $152,086,200 | 3,674 |
| Average equity | $12,715,000 | 4,584 |
| Average total loans | $87,206,800 | 4,297 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3426% | 5,209 |
| Cost of funding earning assets | 0.7740% | 7,730 |
| Net interest margin | 4.5686% | 1,041 |
| Noninterest income to average assets | 0.7765% | 2,568 |
| Noninterest expense to average assets | 3.3442% | 2,747 |
| Loan and lease loss provision to assets | 0.0878% | 6,490 |
| Net operating income to assets | 1.6315% | 627 |
| Return on assets (ROA) | 1.8255% | 445 |
| Pretax return on assets | 1.8255% | 762 |
| Return on Equity (ROE) | 23.1671% | 167 |
| Retained earnings to average equity (ytd only) | 9.2710% | 775 |
| Net charge-offs to loans | 0.0183% | 6,658 |
| Credit loss provision to net charge-offs | 875.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 171.4125% | 222 |
| Efficiency ratio | 66.0449% | 5,353 |
| Assets per employee ($millions) | 2.7126% | 6,822 |
| Cash dividends to net income (ytd only)* | 59.9815% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 3,483 |
| Loan loss allowance to noncurrent loans | 223.2993% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 6,399 |
| Noncurrent loans to loans | 0.6683% | 5,967 |
| Net loans and leases to total assets | 54.1585% | 6,365 |
| Net loans and leases to deposits | 59.6952% | 6,852 |
| Net loans and leases to core deposits | 68.4104% | 7,057 |
| Total domestic deposits to total assets | 90.7251% | 503 |
| Equity capital to assets | 8.2283% | 6,603 |
| Core capital (leverage) ratio | 7.5696% | 6,897 |
| Tier 1 risk-based capital ratio | 13.3564% | 3,954 |
| Total risk-based capital ratio | 14.6082% | 3,896 |
| Memoranda: | ||
| Average total assets | $159,517,250 | 3,801 |
| Average earning assets | $149,686,250 | 3,731 |
| Average equity | $12,569,250 | 4,645 |
| Average total loans | $87,583,750 | 4,317 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3936% | 5,182 |
| Cost of funding earning assets | 0.8318% | 7,779 |
| Net interest margin | 4.5618% | 1,034 |
| Noninterest income to average assets | 0.7744% | 2,557 |
| Noninterest expense to average assets | 3.3488% | 2,799 |
| Loan and lease loss provision to assets | 0.1067% | 6,091 |
| Net operating income to assets | 1.6003% | 682 |
| Return on assets (ROA) | 1.8915% | 410 |
| Pretax return on assets | 1.8915% | 709 |
| Return on Equity (ROE) | 24.3667% | 147 |
| Retained earnings to average equity (ytd only) | 10.4937% | 641 |
| Net charge-offs to loans | 0.0320% | 6,008 |
| Credit loss provision to net charge-offs | 607.1429% | 760 |
| Earnings coverage of net charge-offs (x) | 97.1429% | 392 |
| Efficiency ratio | 66.2363% | 5,509 |
| Assets per employee ($millions) | 2.7759% | 6,686 |
| Cash dividends to net income (ytd only)* | 56.9343% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 3,294 |
| Loan loss allowance to noncurrent loans | 219.1851% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 6,450 |
| Noncurrent loans to loans | 0.6761% | 5,899 |
| Net loans and leases to total assets | 51.5271% | 6,738 |
| Net loans and leases to deposits | 56.2518% | 7,149 |
| Net loans and leases to core deposits | 64.4749% | 7,275 |
| Total domestic deposits to total assets | 91.6009% | 295 |
| Equity capital to assets | 7.3304% | 7,396 |
| Core capital (leverage) ratio | 7.4248% | 7,108 |
| Tier 1 risk-based capital ratio | 12.9973% | 4,149 |
| Total risk-based capital ratio | 14.2494% | 4,065 |
| Memoranda: | ||
| Average total assets | $159,341,330 | 3,840 |
| Average earning assets | $149,546,330 | 3,756 |
| Average equity | $12,369,330 | 4,719 |
| Average total loans | $87,448,000 | 4,343 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6318% | 4,165 |
| Cost of funding earning assets | 0.9117% | 7,799 |
| Net interest margin | 4.7201% | 737 |
| Noninterest income to average assets | 0.7834% | 2,408 |
| Noninterest expense to average assets | 3.2131% | 2,930 |
| Loan and lease loss provision to assets | 0.1284% | 5,313 |
| Net operating income to assets | 1.8698% | 460 |
| Return on assets (ROA) | 1.8698% | 514 |
| Pretax return on assets | 1.8698% | 861 |
| Return on Equity (ROE) | 23.3905% | 241 |
| Retained earnings to average equity (ytd only) | 23.3905% | 103 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6560% | 6,118 |
| Assets per employee ($millions) | 2.6673% | 6,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 3,312 |
| Loan loss allowance to noncurrent loans | 132.7064% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 5,618 |
| Noncurrent loans to loans | 1.0825% | 4,818 |
| Net loans and leases to total assets | 54.4471% | 6,420 |
| Net loans and leases to deposits | 59.8508% | 6,908 |
| Net loans and leases to core deposits | 69.6217% | 7,045 |
| Total domestic deposits to total assets | 90.9714% | 424 |
| Equity capital to assets | 7.9913% | 6,826 |
| Core capital (leverage) ratio | 7.6965% | 6,892 |
| Tier 1 risk-based capital ratio | 12.8376% | 4,302 |
| Total risk-based capital ratio | 14.0887% | 4,218 |
| Memoranda: | ||
| Average total assets | $155,735,500 | 3,913 |
| Average earning assets | $146,100,000 | 3,826 |
| Average equity | $12,449,500 | 4,719 |
| Average total loans | $87,616,500 | 4,371 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4046% | 3,393 |
| Cost of funding earning assets | 1.4254% | 7,715 |
| Net interest margin | 4.9792% | 537 |
| Noninterest income to average assets | 0.9574% | 1,735 |
| Noninterest expense to average assets | 3.5866% | 2,187 |
| Loan and lease loss provision to assets | 0.0653% | 6,571 |
| Net operating income to assets | 1.9037% | 427 |
| Return on assets (ROA) | 1.9037% | 416 |
| Pretax return on assets | 1.9037% | 761 |
| Return on Equity (ROE) | 23.4513% | 195 |
| Retained earnings to average equity (ytd only) | 7.6589% | 943 |
| Net charge-offs to loans | 0.0093% | 6,799 |
| Credit loss provision to net charge-offs | 1,187.5000% | 377 |
| Earnings coverage of net charge-offs (x) | 357.8750% | 136 |
| Efficiency ratio | 64.5581% | 5,434 |
| Assets per employee ($millions) | 2.5667% | 7,071 |
| Cash dividends to net income (ytd only)* | 67.3410% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 3,168 |
| Loan loss allowance to noncurrent loans | 945.7364% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 7,235 |
| Noncurrent loans to loans | 0.1486% | 6,966 |
| Net loans and leases to total assets | 56.5312% | 6,376 |
| Net loans and leases to deposits | 62.2052% | 6,929 |
| Net loans and leases to core deposits | 73.8127% | 6,978 |
| Total domestic deposits to total assets | 90.8786% | 361 |
| Equity capital to assets | 7.9968% | 6,846 |
| Core capital (leverage) ratio | 7.8315% | 6,751 |
| Tier 1 risk-based capital ratio | 12.4058% | 4,501 |
| Total risk-based capital ratio | 13.6568% | 4,401 |
| Memoranda: | ||
| Average total assets | $145,401,000 | 3,984 |
| Average earning assets | $134,278,000 | 3,968 |
| Average equity | $11,803,200 | 4,888 |
| Average total loans | $85,984,400 | 4,330 |