Home > Commercial Bank > Performance and Condition Ratios
Commercial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7600% | 4,219 |
| Cost of funding earning assets | 0.7854% | 3,779 |
| Net interest margin | 2.9746% | 3,343 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.7822% | 1,547 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9132% | 2,504 |
| Return on assets (ROA) | 1.0074% | 2,184 |
| Pretax return on assets | 1.0330% | 2,578 |
| Return on Equity (ROE) | 17.8100% | 843 |
| Retained earnings to average equity (ytd only) | 3.1685% | 3,223 |
| Net charge-offs to loans | 0.0813% | 1,049 |
| Credit loss provision to net charge-offs | -95.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | 24.4571% | 1,760 |
| Efficiency ratio | 74.6408% | 1,389 |
| Assets per employee ($millions) | 4.6623% | 3,846 |
| Cash dividends to net income (ytd only)* | 82.2143% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 1,076 |
| Loan loss allowance to noncurrent loans | 104.0032% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 739 |
| Noncurrent loans to loans | 1.4362% | 487 |
| Net loans and leases to total assets | 48.3500% | 3,707 |
| Net loans and leases to deposits | 51.9901% | 3,883 |
| Net loans and leases to core deposits | 56.2256% | 3,905 |
| Total domestic deposits to total assets | 93.0100% | 173 |
| Equity capital to assets | 6.4721% | 4,128 |
| Core capital (leverage) ratio | 9.5688% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3442% | 1,018 |
| Memoranda: | ||
| Average total assets | $362,231,000 | 2,152 |
| Average earning assets | $349,999,000 | 2,092 |
| Average equity | $20,483,000 | 2,820 |
| Average total loans | $172,114,600 | 2,509 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6871% | 4,224 |
| Cost of funding earning assets | 0.7111% | 3,739 |
| Net interest margin | 2.9760% | 3,385 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.7442% | 1,559 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8864% | 2,732 |
| Return on assets (ROA) | 0.8984% | 2,672 |
| Pretax return on assets | 0.9394% | 3,008 |
| Return on Equity (ROE) | 16.4700% | 1,172 |
| Retained earnings to average equity (ytd only) | 6.4013% | 2,497 |
| Net charge-offs to loans | 0.0808% | 915 |
| Credit loss provision to net charge-offs | -129.8077% | 4,533 |
| Earnings coverage of net charge-offs (x) | 24.7115% | 1,701 |
| Efficiency ratio | 74.4685% | 1,320 |
| Assets per employee ($millions) | 4.7052% | 3,808 |
| Cash dividends to net income (ytd only)* | 61.1247% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,125 |
| Loan loss allowance to noncurrent loans | 106.5587% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.6999% | 811 |
| Noncurrent loans to loans | 1.4024% | 539 |
| Net loans and leases to total assets | 49.1600% | 3,677 |
| Net loans and leases to deposits | 53.6847% | 3,803 |
| Net loans and leases to core deposits | 58.3842% | 3,769 |
| Total domestic deposits to total assets | 91.5800% | 539 |
| Equity capital to assets | 4.9177% | 4,265 |
| Core capital (leverage) ratio | 9.5055% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2387% | 1,061 |
| Memoranda: | ||
| Average total assets | $364,204,500 | 2,145 |
| Average earning assets | $351,920,750 | 2,088 |
| Average equity | $19,870,500 | 2,859 |
| Average total loans | $171,660,000 | 2,520 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5800% | 4,273 |
| Cost of funding earning assets | 0.5779% | 3,812 |
| Net interest margin | 3.0021% | 3,424 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.6654% | 1,735 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0289% | 2,323 |
| Return on assets (ROA) | 1.0952% | 2,130 |
| Pretax return on assets | 1.1452% | 2,521 |
| Return on Equity (ROE) | 19.4600% | 771 |
| Retained earnings to average equity (ytd only) | 4.9736% | 2,946 |
| Net charge-offs to loans | 0.0717% | 849 |
| Credit loss provision to net charge-offs | -222.9508% | 4,567 |
| Earnings coverage of net charge-offs (x) | 32.3934% | 1,514 |
| Efficiency ratio | 71.2791% | 1,636 |
| Assets per employee ($millions) | 4.8566% | 3,712 |
| Cash dividends to net income (ytd only)* | 74.4417% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 1,059 |
| Loan loss allowance to noncurrent loans | 130.7579% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 968 |
| Noncurrent loans to loans | 1.1802% | 597 |
| Net loans and leases to total assets | 46.8400% | 3,752 |
| Net loans and leases to deposits | 51.5188% | 3,859 |
| Net loans and leases to core deposits | 55.8111% | 3,821 |
| Total domestic deposits to total assets | 90.9100% | 681 |
| Equity capital to assets | 5.6352% | 4,256 |
| Core capital (leverage) ratio | 9.3157% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2825% | 1,068 |
| Memoranda: | ||
| Average total assets | $367,976,667 | 2,134 |
| Average earning assets | $355,756,000 | 2,067 |
| Average equity | $20,709,333 | 2,801 |
| Average total loans | $170,171,000 | 2,523 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5046% | 4,256 |
| Cost of funding earning assets | 0.4876% | 3,737 |
| Net interest margin | 3.0171% | 3,556 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 2.5719% | 2,041 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.2274% | 1,861 |
| Return on assets (ROA) | 1.4309% | 1,299 |
| Pretax return on assets | 1.4969% | 1,678 |
| Return on Equity (ROE) | 25.4400% | 384 |
| Retained earnings to average equity (ytd only) | 25.4411% | 170 |
| Net charge-offs to loans | 0.0356% | 1,020 |
| Credit loss provision to net charge-offs | -913.3333% | 4,653 |
| Earnings coverage of net charge-offs (x) | 79.6667% | 894 |
| Efficiency ratio | 66.5547% | 2,147 |
| Assets per employee ($millions) | 5.0664% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 986 |
| Loan loss allowance to noncurrent loans | 123.7597% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 832 |
| Noncurrent loans to loans | 1.3037% | 518 |
| Net loans and leases to total assets | 45.4500% | 3,803 |
| Net loans and leases to deposits | 49.5319% | 3,909 |
| Net loans and leases to core deposits | 53.0675% | 3,868 |
| Total domestic deposits to total assets | 91.7600% | 579 |
| Equity capital to assets | 6.1988% | 4,139 |
| Core capital (leverage) ratio | 9.4093% | 3,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8634% | 1,013 |
| Memoranda: | ||
| Average total assets | $369,841,500 | 2,157 |
| Average earning assets | $357,698,000 | 2,084 |
| Average equity | $20,801,000 | 2,818 |
| Average total loans | $168,617,000 | 2,558 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2499% | 3,712 |
| Cost of funding earning assets | 0.3044% | 2,838 |
| Net interest margin | 2.9455% | 3,580 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.3567% | 2,560 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1157% | 2,099 |
| Return on assets (ROA) | 0.9227% | 2,817 |
| Pretax return on assets | 0.9540% | 3,211 |
| Return on Equity (ROE) | 15.5900% | 1,127 |
| Retained earnings to average equity (ytd only) | 2.9003% | 3,749 |
| Net charge-offs to loans | 0.0831% | 832 |
| Credit loss provision to net charge-offs | 130.5556% | 1,403 |
| Earnings coverage of net charge-offs (x) | 33.0625% | 1,631 |
| Efficiency ratio | 66.2556% | 2,200 |
| Assets per employee ($millions) | 5.1356% | 3,568 |
| Cash dividends to net income (ytd only)* | 81.3934% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7016% | 800 |
| Loan loss allowance to noncurrent loans | 135.1059% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 889 |
| Noncurrent loans to loans | 1.2595% | 549 |
| Net loans and leases to total assets | 44.2400% | 3,882 |
| Net loans and leases to deposits | 46.6843% | 4,021 |
| Net loans and leases to core deposits | 49.8590% | 3,981 |
| Total domestic deposits to total assets | 94.7600% | 166 |
| Equity capital to assets | 5.0653% | 4,354 |
| Core capital (leverage) ratio | 8.9384% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2525% | 1,090 |
| Memoranda: | ||
| Average total assets | $396,649,800 | 2,040 |
| Average earning assets | $384,385,000 | 1,967 |
| Average equity | $23,480,400 | 2,676 |
| Average total loans | $173,198,200 | 2,425 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2138% | 3,404 |
| Cost of funding earning assets | 0.2911% | 2,267 |
| Net interest margin | 2.9227% | 3,426 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.3298% | 2,544 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0890% | 2,147 |
| Return on assets (ROA) | 0.7560% | 3,349 |
| Pretax return on assets | 0.7905% | 3,607 |
| Return on Equity (ROE) | 12.3600% | 1,925 |
| Retained earnings to average equity (ytd only) | -3.7881% | 4,569 |
| Net charge-offs to loans | 0.0979% | 629 |
| Credit loss provision to net charge-offs | 110.9375% | 1,266 |
| Earnings coverage of net charge-offs (x) | 27.9063% | 1,558 |
| Efficiency ratio | 66.2955% | 2,242 |
| Assets per employee ($millions) | 5.1734% | 3,524 |
| Cash dividends to net income (ytd only)* | 130.6579% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 905 |
| Loan loss allowance to noncurrent loans | 359.1656% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 2,210 |
| Noncurrent loans to loans | 0.4683% | 1,633 |
| Net loans and leases to total assets | 43.9700% | 3,879 |
| Net loans and leases to deposits | 45.7462% | 4,036 |
| Net loans and leases to core deposits | 50.0383% | 3,946 |
| Total domestic deposits to total assets | 96.1100% | 121 |
| Equity capital to assets | 3.7049% | 4,514 |
| Core capital (leverage) ratio | 8.1299% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1679% | 1,144 |
| Memoranda: | ||
| Average total assets | $402,086,750 | 2,037 |
| Average earning assets | $389,764,250 | 1,962 |
| Average equity | $24,603,000 | 2,642 |
| Average total loans | $174,318,000 | 2,426 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1207% | 3,253 |
| Cost of funding earning assets | 0.2820% | 1,875 |
| Net interest margin | 2.8387% | 3,316 |
| Noninterest income to average assets | 0.7152% | 1,274 |
| Noninterest expense to average assets | 2.2153% | 2,800 |
| Loan and lease loss provision to assets | 0.0458% | 1,750 |
| Net operating income to assets | 1.1559% | 1,584 |
| Return on assets (ROA) | 0.7922% | 2,955 |
| Pretax return on assets | 0.8283% | 3,257 |
| Return on Equity (ROE) | 11.5494% | 1,816 |
| Retained earnings to average equity (ytd only) | 0.8884% | 4,019 |
| Net charge-offs to loans | 0.0829% | 658 |
| Credit loss provision to net charge-offs | 128.7671% | 1,159 |
| Earnings coverage of net charge-offs (x) | 35.2055% | 1,321 |
| Efficiency ratio | 63.8741% | 2,784 |
| Assets per employee ($millions) | 5.5324% | 3,191 |
| Cash dividends to net income (ytd only)* | 92.3077% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 1,147 |
| Loan loss allowance to noncurrent loans | 351.6049% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 2,304 |
| Noncurrent loans to loans | 0.4558% | 1,751 |
| Net loans and leases to total assets | 43.9032% | 3,840 |
| Net loans and leases to deposits | 46.4187% | 4,008 |
| Net loans and leases to core deposits | 50.8563% | 3,887 |
| Total domestic deposits to total assets | 94.5809% | 191 |
| Equity capital to assets | 5.2441% | 4,427 |
| Core capital (leverage) ratio | 8.2124% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4345% | 1,318 |
| Memoranda: | ||
| Average total assets | $410,229,333 | 2,011 |
| Average earning assets | $397,859,000 | 1,952 |
| Average equity | $28,140,000 | 2,517 |
| Average total loans | $176,127,000 | 2,409 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0670% | 3,061 |
| Cost of funding earning assets | 0.2781% | 1,843 |
| Net interest margin | 2.7889% | 3,174 |
| Noninterest income to average assets | 0.8093% | 1,022 |
| Noninterest expense to average assets | 2.1539% | 2,964 |
| Loan and lease loss provision to assets | 0.0461% | 1,538 |
| Net operating income to assets | 1.2618% | 1,087 |
| Return on assets (ROA) | 0.8439% | 2,497 |
| Pretax return on assets | 0.8823% | 2,845 |
| Return on Equity (ROE) | 11.0560% | 1,601 |
| Retained earnings to average equity (ytd only) | 11.0560% | 777 |
| Net charge-offs to loans | 0.3422% | 192 |
| Credit loss provision to net charge-offs | 32.0000% | 1,258 |
| Earnings coverage of net charge-offs (x) | 9.4600% | 1,485 |
| Efficiency ratio | 61.2295% | 3,355 |
| Assets per employee ($millions) | 5.8446% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5732% | 1,338 |
| Loan loss allowance to noncurrent loans | 208.9724% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 1,844 |
| Noncurrent loans to loans | 0.7528% | 1,264 |
| Net loans and leases to total assets | 41.6719% | 3,900 |
| Net loans and leases to deposits | 44.6651% | 4,036 |
| Net loans and leases to core deposits | 49.0053% | 3,926 |
| Total domestic deposits to total assets | 93.2984% | 206 |
| Equity capital to assets | 6.5537% | 4,408 |
| Core capital (leverage) ratio | 8.3708% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5224% | 1,376 |
| Memoranda: | ||
| Average total assets | $416,178,500 | 1,994 |
| Average earning assets | $404,174,500 | 1,935 |
| Average equity | $31,765,500 | 2,400 |
| Average total loans | $175,326,500 | 2,411 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2401% | 3,376 |
| Cost of funding earning assets | 0.3121% | 2,272 |
| Net interest margin | 2.9280% | 3,380 |
| Noninterest income to average assets | 0.7784% | 1,512 |
| Noninterest expense to average assets | 2.2004% | 3,087 |
| Loan and lease loss provision to assets | 0.0199% | 2,669 |
| Net operating income to assets | 1.3376% | 1,484 |
| Return on assets (ROA) | 1.3092% | 1,617 |
| Pretax return on assets | 1.3667% | 2,155 |
| Return on Equity (ROE) | 14.7641% | 1,003 |
| Retained earnings to average equity (ytd only) | 6.5354% | 2,110 |
| Net charge-offs to loans | 0.0408% | 1,446 |
| Credit loss provision to net charge-offs | 115.4930% | 1,674 |
| Earnings coverage of net charge-offs (x) | 82.2254% | 978 |
| Efficiency ratio | 60.4333% | 3,093 |
| Assets per employee ($millions) | 5.9610% | 2,819 |
| Cash dividends to net income (ytd only)* | 55.7347% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 1,278 |
| Loan loss allowance to noncurrent loans | 214.8176% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 1,995 |
| Noncurrent loans to loans | 0.7417% | 1,372 |
| Net loans and leases to total assets | 41.2566% | 4,014 |
| Net loans and leases to deposits | 45.2545% | 4,131 |
| Net loans and leases to core deposits | 49.4689% | 4,032 |
| Total domestic deposits to total assets | 91.1656% | 430 |
| Equity capital to assets | 8.6756% | 3,913 |
| Core capital (leverage) ratio | 8.2497% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9440% | 1,532 |
| Memoranda: | ||
| Average total assets | $412,243,400 | 1,951 |
| Average earning assets | $399,591,800 | 1,909 |
| Average equity | $36,555,000 | 2,222 |
| Average total loans | $174,161,800 | 2,429 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2960% | 3,400 |
| Cost of funding earning assets | 0.3211% | 2,396 |
| Net interest margin | 2.9750% | 3,372 |
| Noninterest income to average assets | 0.8052% | 1,508 |
| Noninterest expense to average assets | 2.1821% | 3,130 |
| Loan and lease loss provision to assets | 0.0203% | 2,588 |
| Net operating income to assets | 1.4195% | 1,480 |
| Return on assets (ROA) | 1.3698% | 1,686 |
| Pretax return on assets | 1.4323% | 2,206 |
| Return on Equity (ROE) | 15.3617% | 1,071 |
| Retained earnings to average equity (ytd only) | 4.4073% | 3,446 |
| Net charge-offs to loans | 0.0469% | 1,191 |
| Credit loss provision to net charge-offs | 101.6393% | 1,563 |
| Earnings coverage of net charge-offs (x) | 75.7377% | 1,013 |
| Efficiency ratio | 58.6557% | 3,170 |
| Assets per employee ($millions) | 5.7316% | 2,956 |
| Cash dividends to net income (ytd only)* | 71.3097% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 1,267 |
| Loan loss allowance to noncurrent loans | 338.1753% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 2,779 |
| Noncurrent loans to loans | 0.4812% | 2,115 |
| Net loans and leases to total assets | 41.2670% | 4,130 |
| Net loans and leases to deposits | 45.4036% | 4,255 |
| Net loans and leases to core deposits | 49.9784% | 4,139 |
| Total domestic deposits to total assets | 90.8892% | 402 |
| Equity capital to assets | 8.9153% | 3,911 |
| Core capital (leverage) ratio | 7.9159% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7539% | 1,700 |
| Memoranda: | ||
| Average total assets | $409,496,250 | 1,974 |
| Average earning assets | $396,589,000 | 1,937 |
| Average equity | $36,514,250 | 2,258 |
| Average total loans | $173,342,750 | 2,476 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2162% | 3,644 |
| Cost of funding earning assets | 0.3250% | 2,543 |
| Net interest margin | 2.8912% | 3,594 |
| Noninterest income to average assets | 0.8324% | 1,448 |
| Noninterest expense to average assets | 2.1614% | 3,206 |
| Loan and lease loss provision to assets | 0.0191% | 2,576 |
| Net operating income to assets | 1.3893% | 1,586 |
| Return on assets (ROA) | 1.3437% | 1,811 |
| Pretax return on assets | 1.4054% | 2,323 |
| Return on Equity (ROE) | 15.0678% | 1,136 |
| Retained earnings to average equity (ytd only) | -1.4057% | 4,632 |
| Net charge-offs to loans | 0.0219% | 1,507 |
| Credit loss provision to net charge-offs | 205.2632% | 1,042 |
| Earnings coverage of net charge-offs (x) | 158.2105% | 573 |
| Efficiency ratio | 58.6658% | 3,195 |
| Assets per employee ($millions) | 5.2137% | 3,441 |
| Cash dividends to net income (ytd only)* | 109.3294% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 1,225 |
| Loan loss allowance to noncurrent loans | 326.3521% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 2,898 |
| Noncurrent loans to loans | 0.4971% | 2,187 |
| Net loans and leases to total assets | 41.2336% | 4,226 |
| Net loans and leases to deposits | 45.2163% | 4,338 |
| Net loans and leases to core deposits | 49.3037% | 4,260 |
| Total domestic deposits to total assets | 91.1917% | 310 |
| Equity capital to assets | 8.5915% | 4,139 |
| Core capital (leverage) ratio | 7.5728% | 4,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3421% | 1,854 |
| Memoranda: | ||
| Average total assets | $408,437,000 | 1,976 |
| Average earning assets | $395,688,000 | 1,926 |
| Average equity | $36,422,000 | 2,254 |
| Average total loans | $173,418,667 | 2,487 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1969% | 3,701 |
| Cost of funding earning assets | 0.3300% | 2,706 |
| Net interest margin | 2.8669% | 3,600 |
| Noninterest income to average assets | 0.7275% | 1,776 |
| Noninterest expense to average assets | 2.1677% | 3,208 |
| Loan and lease loss provision to assets | 0.0188% | 2,535 |
| Net operating income to assets | 1.2611% | 1,942 |
| Return on assets (ROA) | 1.0957% | 2,568 |
| Pretax return on assets | 1.1462% | 3,000 |
| Return on Equity (ROE) | 12.0603% | 1,991 |
| Retained earnings to average equity (ytd only) | -4.2816% | 4,671 |
| Net charge-offs to loans | 0.0185% | 1,370 |
| Credit loss provision to net charge-offs | 237.5000% | 836 |
| Earnings coverage of net charge-offs (x) | 168.8750% | 453 |
| Efficiency ratio | 60.8020% | 2,939 |
| Assets per employee ($millions) | 5.4920% | 3,122 |
| Cash dividends to net income (ytd only)* | 135.5014% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 1,246 |
| Loan loss allowance to noncurrent loans | 272.3507% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 2,827 |
| Noncurrent loans to loans | 0.5934% | 2,082 |
| Net loans and leases to total assets | 41.7799% | 4,245 |
| Net loans and leases to deposits | 45.8004% | 4,364 |
| Net loans and leases to core deposits | 50.0494% | 4,295 |
| Total domestic deposits to total assets | 91.2216% | 323 |
| Equity capital to assets | 8.5788% | 4,063 |
| Core capital (leverage) ratio | 7.8099% | 4,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8868% | 1,607 |
| Memoranda: | ||
| Average total assets | $404,107,000 | 1,981 |
| Average earning assets | $391,504,000 | 1,932 |
| Average equity | $36,715,500 | 2,218 |
| Average total loans | $172,718,000 | 2,492 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4924% | 4,043 |
| Cost of funding earning assets | 0.4531% | 3,263 |
| Net interest margin | 3.0393% | 3,791 |
| Noninterest income to average assets | 0.7830% | 1,579 |
| Noninterest expense to average assets | 2.4352% | 3,033 |
| Loan and lease loss provision to assets | 0.0501% | 3,752 |
| Net operating income to assets | 1.2147% | 1,503 |
| Return on assets (ROA) | 1.2692% | 1,440 |
| Pretax return on assets | 1.2913% | 2,008 |
| Return on Equity (ROE) | 13.1419% | 1,007 |
| Retained earnings to average equity (ytd only) | 4.5631% | 2,500 |
| Net charge-offs to loans | 0.0537% | 2,019 |
| Credit loss provision to net charge-offs | 211.4943% | 2,105 |
| Earnings coverage of net charge-offs (x) | 54.2299% | 1,131 |
| Efficiency ratio | 64.3668% | 2,759 |
| Assets per employee ($millions) | 5.3556% | 2,992 |
| Cash dividends to net income (ytd only)* | 65.2781% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 1,159 |
| Loan loss allowance to noncurrent loans | 286.1789% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 2,986 |
| Noncurrent loans to loans | 0.5771% | 2,255 |
| Net loans and leases to total assets | 42.3153% | 4,335 |
| Net loans and leases to deposits | 46.9179% | 4,432 |
| Net loans and leases to core deposits | 51.4997% | 4,369 |
| Total domestic deposits to total assets | 90.1901% | 488 |
| Equity capital to assets | 9.6123% | 3,498 |
| Core capital (leverage) ratio | 8.1952% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3453% | 1,431 |
| Memoranda: | ||
| Average total assets | $366,917,400 | 1,973 |
| Average earning assets | $354,683,800 | 1,914 |
| Average equity | $35,436,400 | 2,216 |
| Average total loans | $162,112,800 | 2,553 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4859% | 4,228 |
| Cost of funding earning assets | 0.4849% | 3,324 |
| Net interest margin | 3.0010% | 3,976 |
| Noninterest income to average assets | 0.8221% | 1,414 |
| Noninterest expense to average assets | 2.4447% | 3,010 |
| Loan and lease loss provision to assets | 0.0587% | 3,617 |
| Net operating income to assets | 1.1653% | 1,765 |
| Return on assets (ROA) | 1.2251% | 1,681 |
| Pretax return on assets | 1.2819% | 2,127 |
| Return on Equity (ROE) | 12.6690% | 1,202 |
| Retained earnings to average equity (ytd only) | 1.1657% | 4,194 |
| Net charge-offs to loans | 0.0175% | 2,514 |
| Credit loss provision to net charge-offs | 752.3810% | 1,023 |
| Earnings coverage of net charge-offs (x) | 164.1429% | 567 |
| Efficiency ratio | 64.5618% | 2,649 |
| Assets per employee ($millions) | 5.1511% | 3,064 |
| Cash dividends to net income (ytd only)* | 90.7990% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 1,080 |
| Loan loss allowance to noncurrent loans | 280.2748% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 3,046 |
| Noncurrent loans to loans | 0.5733% | 2,366 |
| Net loans and leases to total assets | 45.2651% | 4,354 |
| Net loans and leases to deposits | 50.1804% | 4,480 |
| Net loans and leases to core deposits | 54.6348% | 4,426 |
| Total domestic deposits to total assets | 90.2048% | 362 |
| Equity capital to assets | 9.5139% | 3,674 |
| Core capital (leverage) ratio | 7.9456% | 4,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1949% | 1,452 |
| Memoranda: | ||
| Average total assets | $359,568,000 | 1,981 |
| Average earning assets | $347,561,500 | 1,930 |
| Average equity | $34,771,750 | 2,237 |
| Average total loans | $160,011,500 | 2,569 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5566% | 4,341 |
| Cost of funding earning assets | 0.5303% | 3,349 |
| Net interest margin | 3.0263% | 4,066 |
| Noninterest income to average assets | 0.8322% | 1,342 |
| Noninterest expense to average assets | 2.4674% | 3,053 |
| Loan and lease loss provision to assets | 0.0690% | 3,426 |
| Net operating income to assets | 1.1704% | 1,725 |
| Return on assets (ROA) | 1.2377% | 1,640 |
| Pretax return on assets | 1.2953% | 2,041 |
| Return on Equity (ROE) | 12.7233% | 1,166 |
| Retained earnings to average equity (ytd only) | 4.3681% | 2,752 |
| Net charge-offs to loans | 0.0052% | 2,777 |
| Credit loss provision to net charge-offs | 3,025.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 567.2500% | 180 |
| Efficiency ratio | 64.4731% | 2,753 |
| Assets per employee ($millions) | 5.2691% | 2,869 |
| Cash dividends to net income (ytd only)* | 65.6682% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 901 |
| Loan loss allowance to noncurrent loans | 554.9902% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 3,766 |
| Noncurrent loans to loans | 0.2979% | 3,318 |
| Net loans and leases to total assets | 44.4741% | 4,432 |
| Net loans and leases to deposits | 49.4526% | 4,551 |
| Net loans and leases to core deposits | 53.9613% | 4,499 |
| Total domestic deposits to total assets | 89.9327% | 416 |
| Equity capital to assets | 9.7541% | 3,420 |
| Core capital (leverage) ratio | 8.3622% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8372% | 1,291 |
| Memoranda: | ||
| Average total assets | $350,647,000 | 1,998 |
| Average earning assets | $339,426,667 | 1,945 |
| Average equity | $34,110,667 | 2,254 |
| Average total loans | $154,105,667 | 2,619 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7065% | 4,381 |
| Cost of funding earning assets | 0.5699% | 3,591 |
| Net interest margin | 3.1366% | 4,022 |
| Noninterest income to average assets | 0.9563% | 943 |
| Noninterest expense to average assets | 2.5847% | 3,025 |
| Loan and lease loss provision to assets | 0.0714% | 2,844 |
| Net operating income to assets | 1.2702% | 1,326 |
| Return on assets (ROA) | 1.2228% | 1,554 |
| Pretax return on assets | 1.2811% | 1,926 |
| Return on Equity (ROE) | 12.5890% | 961 |
| Retained earnings to average equity (ytd only) | 12.5890% | 362 |
| Net charge-offs to loans | -0.0083% | 4,007 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7232% | 3,276 |
| Assets per employee ($millions) | 4.6490% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9165% | 587 |
| Loan loss allowance to noncurrent loans | 575.9834% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 3,831 |
| Noncurrent loans to loans | 0.3327% | 3,299 |
| Net loans and leases to total assets | 42.5344% | 4,570 |
| Net loans and leases to deposits | 47.3475% | 4,684 |
| Net loans and leases to core deposits | 53.2482% | 4,592 |
| Total domestic deposits to total assets | 89.8345% | 378 |
| Equity capital to assets | 9.8590% | 3,918 |
| Core capital (leverage) ratio | 9.2420% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $336,281,500 | 2,012 |
| Average earning assets | $324,941,500 | 1,954 |
| Average equity | $32,663,500 | 2,319 |
| Average total loans | $145,378,000 | 2,676 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 4,687 |
| Cost of funding earning assets | 0.5569% | 3,840 |
| Net interest margin | 3.1341% | 4,317 |
| Noninterest income to average assets | 0.8608% | 1,269 |
| Noninterest expense to average assets | 2.6253% | 3,107 |
| Loan and lease loss provision to assets | 0.0999% | 2,057 |
| Net operating income to assets | 1.1310% | 2,331 |
| Return on assets (ROA) | 1.1548% | 2,334 |
| Pretax return on assets | 1.1944% | 2,859 |
| Return on Equity (ROE) | 12.5882% | 1,305 |
| Retained earnings to average equity (ytd only) | 0.1962% | 4,631 |
| Net charge-offs to loans | 0.0542% | 2,326 |
| Credit loss provision to net charge-offs | 426.9231% | 669 |
| Earnings coverage of net charge-offs (x) | 54.2564% | 1,056 |
| Efficiency ratio | 66.2687% | 2,729 |
| Assets per employee ($millions) | 4.8262% | 2,805 |
| Cash dividends to net income (ytd only)* | 98.4412% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 592 |
| Loan loss allowance to noncurrent loans | 663.1707% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 3,992 |
| Noncurrent loans to loans | 0.2816% | 3,435 |
| Net loans and leases to total assets | 42.2930% | 4,667 |
| Net loans and leases to deposits | 46.9267% | 4,762 |
| Net loans and leases to core deposits | 51.6818% | 4,716 |
| Total domestic deposits to total assets | 90.1256% | 288 |
| Equity capital to assets | 9.5686% | 4,295 |
| Core capital (leverage) ratio | 9.0882% | 4,456 |
| Tier 1 risk-based capital ratio | 15.5840% | 2,549 |
| Total risk-based capital ratio | 16.8356% | 2,486 |
| Memoranda: | ||
| Average total assets | $333,299,000 | 1,967 |
| Average earning assets | $322,679,800 | 1,908 |
| Average equity | $30,576,200 | 2,359 |
| Average total loans | $144,035,600 | 2,675 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6961% | 4,787 |
| Cost of funding earning assets | 0.5492% | 3,932 |
| Net interest margin | 3.1469% | 4,409 |
| Noninterest income to average assets | 0.8614% | 1,235 |
| Noninterest expense to average assets | 2.6621% | 2,972 |
| Loan and lease loss provision to assets | 0.1004% | 1,914 |
| Net operating income to assets | 1.0962% | 2,584 |
| Return on assets (ROA) | 1.1151% | 2,605 |
| Pretax return on assets | 1.1661% | 3,084 |
| Return on Equity (ROE) | 12.2895% | 1,519 |
| Retained earnings to average equity (ytd only) | -4.3000% | 5,037 |
| Net charge-offs to loans | 0.0650% | 1,891 |
| Credit loss provision to net charge-offs | 357.1429% | 840 |
| Earnings coverage of net charge-offs (x) | 44.3719% | 1,278 |
| Efficiency ratio | 66.9645% | 2,593 |
| Assets per employee ($millions) | 4.6933% | 2,925 |
| Cash dividends to net income (ytd only)* | 134.9892% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 659 |
| Loan loss allowance to noncurrent loans | 365.6985% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 3,636 |
| Noncurrent loans to loans | 0.4966% | 2,806 |
| Net loans and leases to total assets | 43.5080% | 4,708 |
| Net loans and leases to deposits | 48.7873% | 4,805 |
| Net loans and leases to core deposits | 53.5441% | 4,760 |
| Total domestic deposits to total assets | 89.1789% | 561 |
| Equity capital to assets | 9.6066% | 4,380 |
| Core capital (leverage) ratio | 8.7121% | 4,826 |
| Tier 1 risk-based capital ratio | 15.5354% | 2,628 |
| Total risk-based capital ratio | 16.7972% | 2,563 |
| Memoranda: | ||
| Average total assets | $332,165,250 | 1,982 |
| Average earning assets | $321,663,250 | 1,928 |
| Average equity | $30,138,750 | 2,403 |
| Average total loans | $143,644,750 | 2,707 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6543% | 4,877 |
| Cost of funding earning assets | 0.5351% | 3,952 |
| Net interest margin | 3.1192% | 4,501 |
| Noninterest income to average assets | 0.8477% | 1,214 |
| Noninterest expense to average assets | 2.6631% | 3,024 |
| Loan and lease loss provision to assets | 0.0990% | 1,887 |
| Net operating income to assets | 1.0583% | 2,686 |
| Return on assets (ROA) | 1.0583% | 2,750 |
| Pretax return on assets | 1.1069% | 3,213 |
| Return on Equity (ROE) | 11.8929% | 1,619 |
| Retained earnings to average equity (ytd only) | -8.3331% | 5,142 |
| Net charge-offs to loans | 0.0839% | 1,521 |
| Credit loss provision to net charge-offs | 275.0000% | 948 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 1,378 |
| Efficiency ratio | 67.6849% | 2,589 |
| Assets per employee ($millions) | 4.7302% | 2,833 |
| Cash dividends to net income (ytd only)* | 170.0680% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 678 |
| Loan loss allowance to noncurrent loans | 292.5968% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 3,500 |
| Noncurrent loans to loans | 0.6160% | 2,417 |
| Net loans and leases to total assets | 41.6783% | 4,789 |
| Net loans and leases to deposits | 46.0102% | 4,901 |
| Net loans and leases to core deposits | 49.7422% | 4,871 |
| Total domestic deposits to total assets | 90.5849% | 179 |
| Equity capital to assets | 9.0920% | 4,745 |
| Core capital (leverage) ratio | 8.5171% | 4,959 |
| Tier 1 risk-based capital ratio | 14.7817% | 2,924 |
| Total risk-based capital ratio | 16.0351% | 2,854 |
| Memoranda: | ||
| Average total assets | $333,376,000 | 1,991 |
| Average earning assets | $322,906,000 | 1,937 |
| Average equity | $29,664,670 | 2,420 |
| Average total loans | $142,999,000 | 2,730 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6359% | 4,925 |
| Cost of funding earning assets | 0.5160% | 3,992 |
| Net interest margin | 3.1198% | 4,553 |
| Noninterest income to average assets | 0.8322% | 1,207 |
| Noninterest expense to average assets | 2.7061% | 2,890 |
| Loan and lease loss provision to assets | 0.0975% | 1,796 |
| Net operating income to assets | 1.0044% | 2,822 |
| Return on assets (ROA) | 1.0044% | 2,864 |
| Pretax return on assets | 1.0502% | 3,285 |
| Return on Equity (ROE) | 11.4131% | 1,775 |
| Retained earnings to average equity (ytd only) | 11.4131% | 720 |
| Net charge-offs to loans | 0.1033% | 1,123 |
| Credit loss provision to net charge-offs | 218.9189% | 992 |
| Earnings coverage of net charge-offs (x) | 25.7568% | 1,417 |
| Efficiency ratio | 69.0625% | 2,493 |
| Assets per employee ($millions) | 4.5056% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7590% | 765 |
| Loan loss allowance to noncurrent loans | 559.8214% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 3,996 |
| Noncurrent loans to loans | 0.3142% | 3,443 |
| Net loans and leases to total assets | 42.0117% | 4,826 |
| Net loans and leases to deposits | 46.4109% | 4,918 |
| Net loans and leases to core deposits | 49.4228% | 4,909 |
| Total domestic deposits to total assets | 90.5212% | 280 |
| Equity capital to assets | 9.2194% | 4,512 |
| Core capital (leverage) ratio | 9.2309% | 4,432 |
| Tier 1 risk-based capital ratio | 16.1772% | 2,367 |
| Total risk-based capital ratio | 17.4280% | 2,321 |
| Memoranda: | ||
| Average total assets | $332,142,000 | 2,012 |
| Average earning assets | $321,684,000 | 1,954 |
| Average equity | $29,229,500 | 2,452 |
| Average total loans | $143,227,000 | 2,762 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5733% | 4,831 |
| Cost of funding earning assets | 0.3902% | 4,046 |
| Net interest margin | 3.1830% | 4,515 |
| Noninterest income to average assets | 0.9050% | 1,166 |
| Noninterest expense to average assets | 2.4921% | 3,635 |
| Loan and lease loss provision to assets | 0.0945% | 2,265 |
| Net operating income to assets | 1.3509% | 1,614 |
| Return on assets (ROA) | 1.3428% | 1,632 |
| Pretax return on assets | 1.3899% | 2,170 |
| Return on Equity (ROE) | 16.0979% | 612 |
| Retained earnings to average equity (ytd only) | 3.0875% | 3,854 |
| Net charge-offs to loans | -0.0015% | 4,209 |
| Credit loss provision to net charge-offs | -15,350.0000% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4054% | 3,640 |
| Assets per employee ($millions) | 4.6601% | 2,945 |
| Cash dividends to net income (ytd only)* | 80.8203% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 809 |
| Loan loss allowance to noncurrent loans | 542.7313% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 3,989 |
| Noncurrent loans to loans | 0.3156% | 3,424 |
| Net loans and leases to total assets | 42.7386% | 4,853 |
| Net loans and leases to deposits | 46.7780% | 4,967 |
| Net loans and leases to core deposits | 49.2321% | 4,963 |
| Total domestic deposits to total assets | 91.3648% | 138 |
| Equity capital to assets | 8.3780% | 5,003 |
| Core capital (leverage) ratio | 9.1573% | 4,501 |
| Tier 1 risk-based capital ratio | 15.4203% | 2,656 |
| Total risk-based capital ratio | 16.6705% | 2,574 |
| Memoranda: | ||
| Average total assets | $324,988,600 | 2,023 |
| Average earning assets | $314,447,600 | 1,948 |
| Average equity | $27,109,200 | 2,509 |
| Average total loans | $133,877,800 | 2,833 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5517% | 4,871 |
| Cost of funding earning assets | 0.3681% | 4,066 |
| Net interest margin | 3.1836% | 4,542 |
| Noninterest income to average assets | 0.8931% | 1,221 |
| Noninterest expense to average assets | 2.4929% | 3,619 |
| Loan and lease loss provision to assets | 0.0952% | 2,073 |
| Net operating income to assets | 1.3241% | 1,762 |
| Return on assets (ROA) | 1.3134% | 1,811 |
| Pretax return on assets | 1.3736% | 2,329 |
| Return on Equity (ROE) | 15.7633% | 734 |
| Retained earnings to average equity (ytd only) | -1.4888% | 5,164 |
| Net charge-offs to loans | 0.0223% | 2,693 |
| Credit loss provision to net charge-offs | 1,050.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 163.2417% | 507 |
| Efficiency ratio | 61.5975% | 3,574 |
| Assets per employee ($millions) | 4.4257% | 3,234 |
| Cash dividends to net income (ytd only)* | 109.4445% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 918 |
| Loan loss allowance to noncurrent loans | 716.3636% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 4,305 |
| Noncurrent loans to loans | 0.2338% | 3,866 |
| Net loans and leases to total assets | 44.1709% | 4,878 |
| Net loans and leases to deposits | 49.0269% | 4,983 |
| Net loans and leases to core deposits | 51.3922% | 4,983 |
| Total domestic deposits to total assets | 90.0953% | 479 |
| Equity capital to assets | 7.9809% | 5,186 |
| Core capital (leverage) ratio | 8.7458% | 4,927 |
| Tier 1 risk-based capital ratio | 15.0864% | 2,844 |
| Total risk-based capital ratio | 16.3363% | 2,767 |
| Memoranda: | ||
| Average total assets | $323,519,000 | 2,039 |
| Average earning assets | $312,970,750 | 1,968 |
| Average equity | $26,956,500 | 2,523 |
| Average total loans | $131,379,250 | 2,883 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4738% | 4,953 |
| Cost of funding earning assets | 0.3451% | 4,107 |
| Net interest margin | 3.1287% | 4,666 |
| Noninterest income to average assets | 0.9038% | 1,169 |
| Noninterest expense to average assets | 2.4732% | 3,708 |
| Loan and lease loss provision to assets | 0.0937% | 2,047 |
| Net operating income to assets | 1.3031% | 1,762 |
| Return on assets (ROA) | 1.3031% | 1,757 |
| Pretax return on assets | 1.3625% | 2,285 |
| Return on Equity (ROE) | 15.4300% | 770 |
| Retained earnings to average equity (ytd only) | 1.0224% | 4,750 |
| Net charge-offs to loans | 0.0203% | 2,478 |
| Credit loss provision to net charge-offs | 1,176.9231% | 358 |
| Earnings coverage of net charge-offs (x) | 182.9231% | 447 |
| Efficiency ratio | 61.7890% | 3,654 |
| Assets per employee ($millions) | 4.5413% | 3,068 |
| Cash dividends to net income (ytd only)* | 93.3741% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7204% | 873 |
| Loan loss allowance to noncurrent loans | 625.3406% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 4,252 |
| Noncurrent loans to loans | 0.2751% | 3,725 |
| Net loans and leases to total assets | 40.6614% | 5,036 |
| Net loans and leases to deposits | 44.4120% | 5,135 |
| Net loans and leases to core deposits | 46.4189% | 5,136 |
| Total domestic deposits to total assets | 91.5551% | 140 |
| Equity capital to assets | 8.1856% | 5,145 |
| Core capital (leverage) ratio | 8.7638% | 4,920 |
| Tier 1 risk-based capital ratio | 15.3375% | 2,712 |
| Total risk-based capital ratio | 16.5641% | 2,655 |
| Memoranda: | ||
| Average total assets | $326,617,000 | 2,024 |
| Average earning assets | $315,848,670 | 1,965 |
| Average equity | $27,582,670 | 2,494 |
| Average total loans | $128,119,000 | 2,933 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3977% | 5,027 |
| Cost of funding earning assets | 0.3424% | 4,044 |
| Net interest margin | 3.0553% | 4,786 |
| Noninterest income to average assets | 0.9443% | 1,036 |
| Noninterest expense to average assets | 2.4751% | 3,728 |
| Loan and lease loss provision to assets | 0.0949% | 1,927 |
| Net operating income to assets | 1.2692% | 1,745 |
| Return on assets (ROA) | 1.2692% | 1,753 |
| Pretax return on assets | 1.3276% | 2,258 |
| Return on Equity (ROE) | 14.8061% | 833 |
| Retained earnings to average equity (ytd only) | 14.8061% | 338 |
| Net charge-offs to loans | 0.0191% | 2,119 |
| Credit loss provision to net charge-offs | 1,300.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 194.8333% | 346 |
| Efficiency ratio | 62.3478% | 3,724 |
| Assets per employee ($millions) | 4.5606% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7455% | 872 |
| Loan loss allowance to noncurrent loans | 1,119.0955% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 4,575 |
| Noncurrent loans to loans | 0.1560% | 4,285 |
| Net loans and leases to total assets | 38.1758% | 5,132 |
| Net loans and leases to deposits | 41.7500% | 5,226 |
| Net loans and leases to core deposits | 43.4914% | 5,227 |
| Total domestic deposits to total assets | 91.4391% | 196 |
| Equity capital to assets | 8.3258% | 5,095 |
| Core capital (leverage) ratio | 9.0669% | 4,609 |
| Tier 1 risk-based capital ratio | 16.4227% | 2,304 |
| Total risk-based capital ratio | 17.6600% | 2,259 |
| Memoranda: | ||
| Average total assets | $328,710,000 | 2,024 |
| Average earning assets | $317,744,000 | 1,969 |
| Average equity | $28,177,500 | 2,485 |
| Average total loans | $125,478,500 | 2,994 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4052% | 4,930 |
| Cost of funding earning assets | 0.3379% | 3,817 |
| Net interest margin | 3.0673% | 4,751 |
| Noninterest income to average assets | 0.7798% | 1,642 |
| Noninterest expense to average assets | 2.5332% | 3,668 |
| Loan and lease loss provision to assets | 0.0452% | 3,336 |
| Net operating income to assets | 1.1360% | 1,726 |
| Return on assets (ROA) | 1.1812% | 1,597 |
| Pretax return on assets | 1.2114% | 2,729 |
| Return on Equity (ROE) | 13.1786% | 914 |
| Retained earnings to average equity (ytd only) | 4.7643% | 2,283 |
| Net charge-offs to loans | 0.1198% | 1,849 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 26.7770% | 1,661 |
| Efficiency ratio | 66.4654% | 3,178 |
| Assets per employee ($millions) | 4.4467% | 3,277 |
| Cash dividends to net income (ytd only)* | 63.8479% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7467% | 865 |
| Loan loss allowance to noncurrent loans | 624.6377% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 4,526 |
| Noncurrent loans to loans | 0.2796% | 3,783 |
| Net loans and leases to total assets | 36.8385% | 5,260 |
| Net loans and leases to deposits | 40.5080% | 5,330 |
| Net loans and leases to core deposits | 42.4261% | 5,337 |
| Total domestic deposits to total assets | 90.9413% | 252 |
| Equity capital to assets | 8.8180% | 4,883 |
| Core capital (leverage) ratio | 8.8056% | 4,855 |
| Tier 1 risk-based capital ratio | 16.3890% | 2,305 |
| Total risk-based capital ratio | 17.6230% | 2,244 |
| Memoranda: | ||
| Average total assets | $327,377,400 | 2,026 |
| Average earning assets | $316,335,800 | 1,954 |
| Average equity | $29,343,000 | 2,401 |
| Average total loans | $123,558,800 | 3,005 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4331% | 4,921 |
| Cost of funding earning assets | 0.3373% | 3,796 |
| Net interest margin | 3.0959% | 4,725 |
| Noninterest income to average assets | 0.7879% | 1,630 |
| Noninterest expense to average assets | 2.5471% | 3,578 |
| Loan and lease loss provision to assets | 0.0453% | 3,194 |
| Net operating income to assets | 1.1341% | 1,937 |
| Return on assets (ROA) | 1.1932% | 1,756 |
| Pretax return on assets | 1.2478% | 2,721 |
| Return on Equity (ROE) | 13.2584% | 997 |
| Retained earnings to average equity (ytd only) | 7.9931% | 1,224 |
| Net charge-offs to loans | 0.1456% | 1,374 |
| Credit loss provision to net charge-offs | 82.2222% | 2,551 |
| Earnings coverage of net charge-offs (x) | 22.3698% | 1,867 |
| Efficiency ratio | 66.2098% | 3,175 |
| Assets per employee ($millions) | 4.3277% | 3,427 |
| Cash dividends to net income (ytd only)* | 39.7128% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 1,023 |
| Loan loss allowance to noncurrent loans | 507.3810% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 4,556 |
| Noncurrent loans to loans | 0.3362% | 3,747 |
| Net loans and leases to total assets | 38.3450% | 5,254 |
| Net loans and leases to deposits | 42.6197% | 5,353 |
| Net loans and leases to core deposits | 45.6956% | 5,319 |
| Total domestic deposits to total assets | 89.9701% | 487 |
| Equity capital to assets | 9.7991% | 4,150 |
| Core capital (leverage) ratio | 8.9464% | 4,808 |
| Tier 1 risk-based capital ratio | 16.3988% | 2,352 |
| Total risk-based capital ratio | 17.6048% | 2,316 |
| Memoranda: | ||
| Average total assets | $326,958,000 | 2,039 |
| Average earning assets | $315,854,000 | 1,972 |
| Average equity | $29,424,750 | 2,414 |
| Average total loans | $123,605,000 | 3,036 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3624% | 5,014 |
| Cost of funding earning assets | 0.3328% | 3,763 |
| Net interest margin | 3.0296% | 4,842 |
| Noninterest income to average assets | 0.8184% | 1,506 |
| Noninterest expense to average assets | 2.5474% | 3,593 |
| Loan and lease loss provision to assets | 0.0437% | 3,121 |
| Net operating income to assets | 1.1017% | 1,966 |
| Return on assets (ROA) | 1.1507% | 1,825 |
| Pretax return on assets | 1.2035% | 2,760 |
| Return on Equity (ROE) | 13.1654% | 996 |
| Retained earnings to average equity (ytd only) | 5.0882% | 2,652 |
| Net charge-offs to loans | 0.0715% | 1,920 |
| Credit loss provision to net charge-offs | 163.6364% | 1,440 |
| Earnings coverage of net charge-offs (x) | 44.7500% | 1,164 |
| Efficiency ratio | 66.8452% | 3,206 |
| Assets per employee ($millions) | 4.4446% | 3,206 |
| Cash dividends to net income (ytd only)* | 61.3516% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 902 |
| Loan loss allowance to noncurrent loans | 479.7802% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 4,633 |
| Noncurrent loans to loans | 0.3736% | 3,688 |
| Net loans and leases to total assets | 36.3634% | 5,367 |
| Net loans and leases to deposits | 40.2877% | 5,447 |
| Net loans and leases to core deposits | 42.5352% | 5,438 |
| Total domestic deposits to total assets | 90.2593% | 443 |
| Equity capital to assets | 9.3747% | 4,543 |
| Core capital (leverage) ratio | 8.5701% | 5,170 |
| Tier 1 risk-based capital ratio | 16.7598% | 2,213 |
| Total risk-based capital ratio | 18.0104% | 2,177 |
| Memoranda: | ||
| Average total assets | $329,193,000 | 2,028 |
| Average earning assets | $317,865,000 | 1,965 |
| Average equity | $28,772,330 | 2,452 |
| Average total loans | $123,162,670 | 3,048 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3577% | 5,020 |
| Cost of funding earning assets | 0.3283% | 3,765 |
| Net interest margin | 3.0293% | 4,831 |
| Noninterest income to average assets | 0.7761% | 1,636 |
| Noninterest expense to average assets | 2.5870% | 3,541 |
| Loan and lease loss provision to assets | 0.0425% | 2,950 |
| Net operating income to assets | 1.0239% | 2,204 |
| Return on assets (ROA) | 1.0239% | 2,260 |
| Pretax return on assets | 1.0712% | 3,086 |
| Return on Equity (ROE) | 12.1549% | 1,189 |
| Retained earnings to average equity (ytd only) | 12.1549% | 454 |
| Net charge-offs to loans | 0.0614% | 1,715 |
| Credit loss provision to net charge-offs | 184.2105% | 1,075 |
| Earnings coverage of net charge-offs (x) | 48.2632% | 923 |
| Efficiency ratio | 68.6905% | 3,098 |
| Assets per employee ($millions) | 4.2850% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7710% | 1,013 |
| Loan loss allowance to noncurrent loans | 382.2183% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 4,483 |
| Noncurrent loans to loans | 0.4634% | 3,432 |
| Net loans and leases to total assets | 36.9745% | 5,367 |
| Net loans and leases to deposits | 40.7502% | 5,448 |
| Net loans and leases to core deposits | 43.3414% | 5,431 |
| Total domestic deposits to total assets | 90.7346% | 381 |
| Equity capital to assets | 8.8807% | 4,927 |
| Core capital (leverage) ratio | 8.4901% | 5,236 |
| Tier 1 risk-based capital ratio | 16.6775% | 2,289 |
| Total risk-based capital ratio | 17.9282% | 2,254 |
| Memoranda: | ||
| Average total assets | $329,341,000 | 2,046 |
| Average earning assets | $317,958,500 | 1,977 |
| Average equity | $27,742,000 | 2,535 |
| Average total loans | $123,853,500 | 3,058 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2440% | 5,246 |
| Cost of funding earning assets | 0.3225% | 3,819 |
| Net interest margin | 2.9216% | 5,091 |
| Noninterest income to average assets | 0.9341% | 1,309 |
| Noninterest expense to average assets | 2.4797% | 4,078 |
| Loan and lease loss provision to assets | 0.0165% | 4,049 |
| Net operating income to assets | 1.2041% | 1,499 |
| Return on assets (ROA) | 1.2087% | 1,561 |
| Pretax return on assets | 1.2627% | 2,424 |
| Return on Equity (ROE) | 12.7897% | 1,046 |
| Retained earnings to average equity (ytd only) | 0.4032% | 5,159 |
| Net charge-offs to loans | 0.0228% | 3,589 |
| Credit loss provision to net charge-offs | 200.0000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 154.8148% | 418 |
| Efficiency ratio | 64.8611% | 3,787 |
| Assets per employee ($millions) | 4.3818% | 3,306 |
| Cash dividends to net income (ytd only)* | 96.8474% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7223% | 1,097 |
| Loan loss allowance to noncurrent loans | 310.9668% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 4,405 |
| Noncurrent loans to loans | 0.5539% | 3,184 |
| Net loans and leases to total assets | 36.9254% | 5,450 |
| Net loans and leases to deposits | 40.2806% | 5,543 |
| Net loans and leases to core deposits | 42.7885% | 5,525 |
| Total domestic deposits to total assets | 91.6705% | 139 |
| Equity capital to assets | 7.9764% | 5,578 |
| Core capital (leverage) ratio | 8.2618% | 5,462 |
| Tier 1 risk-based capital ratio | 15.9115% | 2,585 |
| Total risk-based capital ratio | 17.1617% | 2,518 |
| Memoranda: | ||
| Average total assets | $328,029,400 | 2,013 |
| Average earning assets | $316,611,200 | 1,936 |
| Average equity | $31,001,600 | 2,294 |
| Average total loans | $118,340,800 | 3,095 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2412% | 5,298 |
| Cost of funding earning assets | 0.3187% | 3,885 |
| Net interest margin | 2.9225% | 5,145 |
| Noninterest income to average assets | 0.8511% | 1,572 |
| Noninterest expense to average assets | 2.4815% | 4,039 |
| Loan and lease loss provision to assets | 0.0151% | 3,945 |
| Net operating income to assets | 1.1247% | 1,894 |
| Return on assets (ROA) | 1.1310% | 1,989 |
| Pretax return on assets | 1.1824% | 2,909 |
| Return on Equity (ROE) | 11.5097% | 1,484 |
| Retained earnings to average equity (ytd only) | 1.0214% | 5,083 |
| Net charge-offs to loans | 0.0229% | 3,229 |
| Credit loss provision to net charge-offs | 185.0000% | 1,517 |
| Earnings coverage of net charge-offs (x) | 145.9280% | 474 |
| Efficiency ratio | 66.3371% | 3,534 |
| Assets per employee ($millions) | 4.3709% | 3,298 |
| Cash dividends to net income (ytd only)* | 91.1256% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8082% | 1,002 |
| Loan loss allowance to noncurrent loans | 426.4414% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 4,688 |
| Noncurrent loans to loans | 0.4240% | 3,763 |
| Net loans and leases to total assets | 35.0651% | 5,587 |
| Net loans and leases to deposits | 39.1396% | 5,653 |
| Net loans and leases to core deposits | 41.6849% | 5,640 |
| Total domestic deposits to total assets | 89.5898% | 633 |
| Equity capital to assets | 10.1374% | 3,996 |
| Core capital (leverage) ratio | 8.3011% | 5,498 |
| Tier 1 risk-based capital ratio | 16.3337% | 2,478 |
| Total risk-based capital ratio | 17.5903% | 2,434 |
| Memoranda: | ||
| Average total assets | $326,781,750 | 2,026 |
| Average earning assets | $315,470,250 | 1,945 |
| Average equity | $32,111,250 | 2,240 |
| Average total loans | $116,645,000 | 3,124 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2379% | 5,379 |
| Cost of funding earning assets | 0.3168% | 3,944 |
| Net interest margin | 2.9211% | 5,229 |
| Noninterest income to average assets | 0.8364% | 1,590 |
| Noninterest expense to average assets | 2.4205% | 4,268 |
| Loan and lease loss provision to assets | 0.0142% | 3,825 |
| Net operating income to assets | 1.1691% | 1,702 |
| Return on assets (ROA) | 1.1785% | 1,767 |
| Pretax return on assets | 1.2321% | 2,661 |
| Return on Equity (ROE) | 12.1241% | 1,270 |
| Retained earnings to average equity (ytd only) | -3.8683% | 5,687 |
| Net charge-offs to loans | 0.0345% | 2,760 |
| Credit loss provision to net charge-offs | 115.0000% | 1,917 |
| Earnings coverage of net charge-offs (x) | 100.4500% | 573 |
| Efficiency ratio | 64.9445% | 3,855 |
| Assets per employee ($millions) | 4.3074% | 3,352 |
| Cash dividends to net income (ytd only)* | 131.9060% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7811% | 1,106 |
| Loan loss allowance to noncurrent loans | 375.1761% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 4,731 |
| Noncurrent loans to loans | 0.4747% | 3,658 |
| Net loans and leases to total assets | 35.4315% | 5,634 |
| Net loans and leases to deposits | 39.5506% | 5,705 |
| Net loans and leases to core deposits | 41.8254% | 5,687 |
| Total domestic deposits to total assets | 89.5852% | 642 |
| Equity capital to assets | 10.1121% | 4,079 |
| Core capital (leverage) ratio | 8.2520% | 5,569 |
| Tier 1 risk-based capital ratio | 15.9924% | 2,649 |
| Total risk-based capital ratio | 17.2505% | 2,580 |
| Memoranda: | ||
| Average total assets | $324,980,670 | 2,043 |
| Average earning assets | $313,787,330 | 1,967 |
| Average equity | $31,590,000 | 2,268 |
| Average total loans | $115,984,670 | 3,140 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2593% | 5,400 |
| Cost of funding earning assets | 0.3129% | 4,029 |
| Net interest margin | 2.9464% | 5,232 |
| Noninterest income to average assets | 0.8046% | 1,599 |
| Noninterest expense to average assets | 2.3990% | 4,377 |
| Loan and lease loss provision to assets | 0.0137% | 3,513 |
| Net operating income to assets | 1.1827% | 1,610 |
| Return on assets (ROA) | 1.1827% | 1,708 |
| Pretax return on assets | 1.2374% | 2,546 |
| Return on Equity (ROE) | 12.4251% | 1,176 |
| Retained earnings to average equity (ytd only) | -10.7789% | 5,828 |
| Net charge-offs to loans | 0.0105% | 2,771 |
| Credit loss provision to net charge-offs | 366.6667% | 752 |
| Earnings coverage of net charge-offs (x) | 335.3333% | 178 |
| Efficiency ratio | 64.4634% | 4,048 |
| Assets per employee ($millions) | 4.0581% | 3,846 |
| Cash dividends to net income (ytd only)* | 186.7508% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8196% | 1,117 |
| Loan loss allowance to noncurrent loans | 1,130.1587% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 5,263 |
| Noncurrent loans to loans | 0.1610% | 4,847 |
| Net loans and leases to total assets | 35.9501% | 5,642 |
| Net loans and leases to deposits | 39.9362% | 5,718 |
| Net loans and leases to core deposits | 42.0195% | 5,709 |
| Total domestic deposits to total assets | 90.0187% | 590 |
| Equity capital to assets | 9.7209% | 4,425 |
| Core capital (leverage) ratio | 8.3404% | 5,526 |
| Tier 1 risk-based capital ratio | 16.7456% | 2,379 |
| Total risk-based capital ratio | 17.9972% | 2,325 |
| Memoranda: | ||
| Average total assets | $321,635,500 | 2,074 |
| Average earning assets | $310,615,500 | 1,992 |
| Average equity | $30,615,500 | 2,334 |
| Average total loans | $114,153,500 | 3,181 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1330% | 5,598 |
| Cost of funding earning assets | 0.3219% | 4,007 |
| Net interest margin | 2.8111% | 5,490 |
| Noninterest income to average assets | 0.9924% | 1,195 |
| Noninterest expense to average assets | 2.4109% | 4,487 |
| Loan and lease loss provision to assets | 0.0114% | 4,182 |
| Net operating income to assets | 1.2545% | 1,377 |
| Return on assets (ROA) | 1.3312% | 1,241 |
| Pretax return on assets | 1.3581% | 2,078 |
| Return on Equity (ROE) | 14.1307% | 823 |
| Retained earnings to average equity (ytd only) | -3.0803% | 5,829 |
| Net charge-offs to loans | -0.0103% | 5,116 |
| Credit loss provision to net charge-offs | -336.3636% | 5,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8924% | 4,294 |
| Assets per employee ($millions) | 3.9351% | 4,058 |
| Cash dividends to net income (ytd only)* | 121.7987% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9185% | 923 |
| Loan loss allowance to noncurrent loans | 500.7059% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 5,069 |
| Noncurrent loans to loans | 0.3832% | 4,077 |
| Net loans and leases to total assets | 33.7146% | 5,784 |
| Net loans and leases to deposits | 37.2832% | 5,857 |
| Net loans and leases to core deposits | 39.3463% | 5,841 |
| Total domestic deposits to total assets | 90.4283% | 460 |
| Equity capital to assets | 9.3178% | 4,768 |
| Core capital (leverage) ratio | 8.6712% | 5,246 |
| Tier 1 risk-based capital ratio | 17.7181% | 2,050 |
| Total risk-based capital ratio | 18.9695% | 2,000 |
| Memoranda: | ||
| Average total assets | $323,240,800 | 2,031 |
| Average earning assets | $311,589,800 | 1,943 |
| Average equity | $30,451,400 | 2,289 |
| Average total loans | $107,301,400 | 3,252 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1299% | 5,669 |
| Cost of funding earning assets | 0.3205% | 4,098 |
| Net interest margin | 2.8094% | 5,562 |
| Noninterest income to average assets | 0.8939% | 1,471 |
| Noninterest expense to average assets | 2.3654% | 4,607 |
| Loan and lease loss provision to assets | 0.0115% | 4,045 |
| Net operating income to assets | 1.1731% | 1,740 |
| Return on assets (ROA) | 1.2348% | 1,596 |
| Pretax return on assets | 1.2884% | 2,436 |
| Return on Equity (ROE) | 13.0722% | 1,107 |
| Retained earnings to average equity (ytd only) | -9.3535% | 6,115 |
| Net charge-offs to loans | -0.0013% | 4,672 |
| Credit loss provision to net charge-offs | -2,800.0000% | 5,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4149% | 4,170 |
| Assets per employee ($millions) | 3.6978% | 4,454 |
| Cash dividends to net income (ytd only)* | 171.5529% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9659% | 964 |
| Loan loss allowance to noncurrent loans | 495.0704% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 5,204 |
| Noncurrent loans to loans | 0.3971% | 4,190 |
| Net loans and leases to total assets | 33.8586% | 5,861 |
| Net loans and leases to deposits | 37.5116% | 5,939 |
| Net loans and leases to core deposits | 39.6285% | 5,928 |
| Total domestic deposits to total assets | 90.2617% | 483 |
| Equity capital to assets | 9.4161% | 4,866 |
| Core capital (leverage) ratio | 8.1034% | 5,841 |
| Tier 1 risk-based capital ratio | 17.5982% | 2,157 |
| Total risk-based capital ratio | 18.8501% | 2,115 |
| Memoranda: | ||
| Average total assets | $323,380,500 | 2,043 |
| Average earning assets | $311,615,250 | 1,956 |
| Average equity | $30,547,500 | 2,294 |
| Average total loans | $106,397,000 | 3,294 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1039% | 5,740 |
| Cost of funding earning assets | 0.3180% | 4,187 |
| Net interest margin | 2.7859% | 5,643 |
| Noninterest income to average assets | 0.8784% | 1,516 |
| Noninterest expense to average assets | 2.3197% | 4,795 |
| Loan and lease loss provision to assets | 0.0116% | 3,883 |
| Net operating income to assets | 1.1781% | 1,675 |
| Return on assets (ROA) | 1.1781% | 1,743 |
| Pretax return on assets | 1.2319% | 2,641 |
| Return on Equity (ROE) | 12.4594% | 1,241 |
| Retained earnings to average equity (ytd only) | 7.3723% | 1,533 |
| Net charge-offs to loans | 0.0075% | 3,630 |
| Credit loss provision to net charge-offs | 475.0000% | 651 |
| Earnings coverage of net charge-offs (x) | 509.2500% | 130 |
| Efficiency ratio | 63.8342% | 4,384 |
| Assets per employee ($millions) | 4.1454% | 3,577 |
| Cash dividends to net income (ytd only)* | 40.8290% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 1,167 |
| Loan loss allowance to noncurrent loans | 373.4403% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 5,207 |
| Noncurrent loans to loans | 0.5084% | 3,934 |
| Net loans and leases to total assets | 32.2387% | 5,965 |
| Net loans and leases to deposits | 35.5933% | 6,043 |
| Net loans and leases to core deposits | 37.9594% | 6,026 |
| Total domestic deposits to total assets | 90.5751% | 423 |
| Equity capital to assets | 9.1089% | 5,139 |
| Core capital (leverage) ratio | 9.0535% | 4,888 |
| Tier 1 risk-based capital ratio | 19.5936% | 1,643 |
| Total risk-based capital ratio | 20.8457% | 1,612 |
| Memoranda: | ||
| Average total assets | $327,634,670 | 2,032 |
| Average earning assets | $315,734,000 | 1,945 |
| Average equity | $30,980,670 | 2,281 |
| Average total loans | $106,102,670 | 3,322 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1424% | 5,733 |
| Cost of funding earning assets | 0.3218% | 4,200 |
| Net interest margin | 2.8206% | 5,602 |
| Noninterest income to average assets | 0.8715% | 1,493 |
| Noninterest expense to average assets | 2.3451% | 4,756 |
| Loan and lease loss provision to assets | 0.0074% | 3,611 |
| Net operating income to assets | 1.1843% | 1,592 |
| Return on assets (ROA) | 1.1843% | 1,690 |
| Pretax return on assets | 1.2387% | 2,514 |
| Return on Equity (ROE) | 12.2907% | 1,270 |
| Retained earnings to average equity (ytd only) | 8.9550% | 1,208 |
| Net charge-offs to loans | -0.0038% | 4,442 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0275% | 4,476 |
| Assets per employee ($millions) | 3.9482% | 4,064 |
| Cash dividends to net income (ytd only)* | 27.1399% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9994% | 1,082 |
| Loan loss allowance to noncurrent loans | 407.6172% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 5,324 |
| Noncurrent loans to loans | 0.4905% | 4,106 |
| Net loans and leases to total assets | 31.5957% | 6,013 |
| Net loans and leases to deposits | 35.8656% | 6,061 |
| Net loans and leases to core deposits | 38.3803% | 6,028 |
| Total domestic deposits to total assets | 88.0947% | 1,762 |
| Equity capital to assets | 10.0505% | 4,090 |
| Core capital (leverage) ratio | 8.9803% | 4,972 |
| Tier 1 risk-based capital ratio | 20.1065% | 1,589 |
| Total risk-based capital ratio | 21.3603% | 1,559 |
| Memoranda: | ||
| Average total assets | $323,562,000 | 2,060 |
| Average earning assets | $311,990,500 | 1,978 |
| Average equity | $31,178,000 | 2,283 |
| Average total loans | $103,981,000 | 3,375 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1012% | 5,955 |
| Cost of funding earning assets | 0.3365% | 4,410 |
| Net interest margin | 2.7647% | 5,859 |
| Noninterest income to average assets | 0.9135% | 1,461 |
| Noninterest expense to average assets | 2.6902% | 3,904 |
| Loan and lease loss provision to assets | 0.0121% | 4,381 |
| Net operating income to assets | 0.8318% | 3,213 |
| Return on assets (ROA) | 0.8794% | 3,062 |
| Pretax return on assets | 0.9104% | 3,870 |
| Return on Equity (ROE) | 8.8148% | 2,677 |
| Retained earnings to average equity (ytd only) | -2.1752% | 6,029 |
| Net charge-offs to loans | 0.0563% | 3,705 |
| Credit loss provision to net charge-offs | 62.5000% | 3,243 |
| Earnings coverage of net charge-offs (x) | 45.2143% | 997 |
| Efficiency ratio | 74.6563% | 2,724 |
| Assets per employee ($millions) | 3.8960% | 4,173 |
| Cash dividends to net income (ytd only)* | 124.6763% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 1,099 |
| Loan loss allowance to noncurrent loans | 656.1514% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 5,593 |
| Noncurrent loans to loans | 0.3060% | 4,748 |
| Net loans and leases to total assets | 31.3890% | 6,135 |
| Net loans and leases to deposits | 34.6833% | 6,205 |
| Net loans and leases to core deposits | 37.3339% | 6,170 |
| Total domestic deposits to total assets | 90.5018% | 540 |
| Equity capital to assets | 9.2208% | 5,042 |
| Core capital (leverage) ratio | 8.5607% | 5,485 |
| Tier 1 risk-based capital ratio | 19.8665% | 1,623 |
| Total risk-based capital ratio | 21.1197% | 1,593 |
| Memoranda: | ||
| Average total assets | $289,869,800 | 2,215 |
| Average earning assets | $277,857,000 | 2,146 |
| Average equity | $28,917,200 | 2,353 |
| Average total loans | $99,435,600 | 3,435 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0868% | 6,049 |
| Cost of funding earning assets | 0.3305% | 4,555 |
| Net interest margin | 2.7563% | 5,925 |
| Noninterest income to average assets | 0.9023% | 1,510 |
| Noninterest expense to average assets | 2.6861% | 3,872 |
| Loan and lease loss provision to assets | 0.0152% | 4,110 |
| Net operating income to assets | 0.8068% | 3,405 |
| Return on assets (ROA) | 0.9028% | 2,993 |
| Pretax return on assets | 0.9397% | 3,827 |
| Return on Equity (ROE) | 8.8570% | 2,761 |
| Retained earnings to average equity (ytd only) | 1.8866% | 5,110 |
| Net charge-offs to loans | 0.0610% | 3,337 |
| Credit loss provision to net charge-offs | 71.1111% | 2,754 |
| Earnings coverage of net charge-offs (x) | 40.1102% | 1,127 |
| Efficiency ratio | 75.4147% | 2,592 |
| Assets per employee ($millions) | 3.8487% | 4,195 |
| Cash dividends to net income (ytd only)* | 78.6988% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0736% | 1,125 |
| Loan loss allowance to noncurrent loans | 360.6218% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 5,485 |
| Noncurrent loans to loans | 0.5750% | 4,192 |
| Net loans and leases to total assets | 30.8678% | 6,229 |
| Net loans and leases to deposits | 34.1780% | 6,289 |
| Net loans and leases to core deposits | 37.0529% | 6,260 |
| Total domestic deposits to total assets | 90.3148% | 610 |
| Equity capital to assets | 9.4442% | 4,869 |
| Core capital (leverage) ratio | 8.9104% | 5,180 |
| Tier 1 risk-based capital ratio | 21.2789% | 1,394 |
| Total risk-based capital ratio | 22.5329% | 1,368 |
| Memoranda: | ||
| Average total assets | $281,495,250 | 2,278 |
| Average earning assets | $269,485,250 | 2,215 |
| Average equity | $28,692,250 | 2,375 |
| Average total loans | $98,399,000 | 3,481 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1907% | 5,967 |
| Cost of funding earning assets | 0.3079% | 4,895 |
| Net interest margin | 2.8827% | 5,767 |
| Noninterest income to average assets | 0.8600% | 1,622 |
| Noninterest expense to average assets | 2.6513% | 4,052 |
| Loan and lease loss provision to assets | 0.0045% | 4,136 |
| Net operating income to assets | 0.9258% | 2,676 |
| Return on assets (ROA) | 1.0765% | 2,094 |
| Pretax return on assets | 1.1189% | 3,015 |
| Return on Equity (ROE) | 10.2624% | 2,027 |
| Retained earnings to average equity (ytd only) | -0.3759% | 5,746 |
| Net charge-offs to loans | 0.0041% | 4,241 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 649.5000% | 108 |
| Efficiency ratio | 73.1236% | 3,134 |
| Assets per employee ($millions) | 3.9829% | 3,876 |
| Cash dividends to net income (ytd only)* | 103.6628% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0467% | 1,284 |
| Loan loss allowance to noncurrent loans | 555.4090% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 5,799 |
| Noncurrent loans to loans | 0.3685% | 4,885 |
| Net loans and leases to total assets | 31.2271% | 6,271 |
| Net loans and leases to deposits | 34.6737% | 6,333 |
| Net loans and leases to core deposits | 37.3495% | 6,296 |
| Total domestic deposits to total assets | 90.0599% | 776 |
| Equity capital to assets | 9.1971% | 5,108 |
| Core capital (leverage) ratio | 10.7278% | 2,686 |
| Tier 1 risk-based capital ratio | 20.5609% | 1,552 |
| Total risk-based capital ratio | 21.8148% | 1,523 |
| Memoranda: | ||
| Average total assets | $268,845,000 | 2,382 |
| Average earning assets | $257,186,000 | 2,303 |
| Average equity | $28,200,000 | 2,395 |
| Average total loans | $97,634,000 | 3,498 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5236% | 5,364 |
| Cost of funding earning assets | 0.3268% | 4,771 |
| Net interest margin | 3.1969% | 4,929 |
| Noninterest income to average assets | 0.8348% | 1,620 |
| Noninterest expense to average assets | 2.9624% | 3,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8972% | 2,670 |
| Return on assets (ROA) | 1.1241% | 1,785 |
| Pretax return on assets | 1.1655% | 2,638 |
| Return on Equity (ROE) | 9.9037% | 2,080 |
| Retained earnings to average equity (ytd only) | -11.9427% | 6,419 |
| Net charge-offs to loans | 0.0126% | 3,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 187.3333% | 261 |
| Efficiency ratio | 76.1257% | 2,780 |
| Assets per employee ($millions) | 3.5918% | 4,738 |
| Cash dividends to net income (ytd only)* | 220.5882% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1649% | 1,215 |
| Loan loss allowance to noncurrent loans | 1,198.8571% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 6,035 |
| Noncurrent loans to loans | 0.1806% | 5,554 |
| Net loans and leases to total assets | 39.3973% | 5,851 |
| Net loans and leases to deposits | 44.6444% | 5,938 |
| Net loans and leases to core deposits | 47.9049% | 5,876 |
| Total domestic deposits to total assets | 88.2469% | 2,082 |
| Equity capital to assets | 11.4664% | 2,283 |
| Core capital (leverage) ratio | 11.8023% | 1,760 |
| Tier 1 risk-based capital ratio | 23.1204% | 1,128 |
| Total risk-based capital ratio | 24.3765% | 1,113 |
| Memoranda: | ||
| Average total assets | $241,962,000 | 2,624 |
| Average earning assets | $231,352,500 | 2,539 |
| Average equity | $27,464,500 | 2,440 |
| Average total loans | $95,027,500 | 3,581 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4862% | 5,670 |
| Cost of funding earning assets | 0.3491% | 5,142 |
| Net interest margin | 3.1371% | 5,203 |
| Noninterest income to average assets | 0.8451% | 1,881 |
| Noninterest expense to average assets | 2.6325% | 4,344 |
| Loan and lease loss provision to assets | 0.0004% | 5,087 |
| Net operating income to assets | 1.1546% | 1,740 |
| Return on assets (ROA) | 1.2114% | 1,593 |
| Pretax return on assets | 1.2719% | 2,261 |
| Return on Equity (ROE) | 10.1532% | 2,055 |
| Retained earnings to average equity (ytd only) | 6.9533% | 1,451 |
| Net charge-offs to loans | 0.0489% | 4,538 |
| Credit loss provision to net charge-offs | 2.1739% | 4,682 |
| Earnings coverage of net charge-offs (x) | 62.6957% | 663 |
| Efficiency ratio | 68.4418% | 4,117 |
| Assets per employee ($millions) | 3.7427% | 4,381 |
| Cash dividends to net income (ytd only)* | 31.5168% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2556% | 1,110 |
| Loan loss allowance to noncurrent loans | 1,129.5699% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 6,121 |
| Noncurrent loans to loans | 0.1997% | 5,590 |
| Net loans and leases to total assets | 37.4254% | 6,133 |
| Net loans and leases to deposits | 42.2725% | 6,210 |
| Net loans and leases to core deposits | 45.8575% | 6,142 |
| Total domestic deposits to total assets | 88.5339% | 1,896 |
| Equity capital to assets | 11.2363% | 2,396 |
| Core capital (leverage) ratio | 12.2309% | 1,481 |
| Tier 1 risk-based capital ratio | 23.4358% | 1,026 |
| Total risk-based capital ratio | 24.6917% | 1,003 |
| Memoranda: | ||
| Average total assets | $237,831,800 | 2,641 |
| Average earning assets | $227,438,800 | 2,542 |
| Average equity | $28,375,200 | 2,348 |
| Average total loans | $94,030,200 | 3,599 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4625% | 5,763 |
| Cost of funding earning assets | 0.3571% | 5,226 |
| Net interest margin | 3.1054% | 5,304 |
| Noninterest income to average assets | 0.8350% | 1,993 |
| Noninterest expense to average assets | 2.5609% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1946% | 1,656 |
| Return on assets (ROA) | 1.2714% | 1,500 |
| Pretax return on assets | 1.3256% | 2,231 |
| Return on Equity (ROE) | 10.4996% | 1,997 |
| Retained earnings to average equity (ytd only) | 6.7514% | 2,003 |
| Net charge-offs to loans | 0.0566% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 55.2271% | 805 |
| Efficiency ratio | 67.2641% | 4,243 |
| Assets per employee ($millions) | 3.5828% | 4,682 |
| Cash dividends to net income (ytd only)* | 35.6986% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2565% | 1,245 |
| Loan loss allowance to noncurrent loans | 806.8966% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 6,102 |
| Noncurrent loans to loans | 0.2796% | 5,529 |
| Net loans and leases to total assets | 38.5783% | 6,136 |
| Net loans and leases to deposits | 43.8221% | 6,210 |
| Net loans and leases to core deposits | 47.8678% | 6,132 |
| Total domestic deposits to total assets | 88.0338% | 2,112 |
| Equity capital to assets | 11.7484% | 2,088 |
| Core capital (leverage) ratio | 11.8143% | 1,804 |
| Tier 1 risk-based capital ratio | 25.4052% | 843 |
| Total risk-based capital ratio | 26.6628% | 825 |
| Memoranda: | ||
| Average total assets | $236,471,500 | 2,670 |
| Average earning assets | $226,267,000 | 2,563 |
| Average equity | $28,635,250 | 2,357 |
| Average total loans | $94,251,000 | 3,617 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4410% | 5,812 |
| Cost of funding earning assets | 0.3621% | 5,300 |
| Net interest margin | 3.0789% | 5,335 |
| Noninterest income to average assets | 0.7899% | 2,237 |
| Noninterest expense to average assets | 2.5136% | 4,677 |
| Loan and lease loss provision to assets | -0.0008% | 6,557 |
| Net operating income to assets | 1.1770% | 1,651 |
| Return on assets (ROA) | 1.2923% | 1,434 |
| Pretax return on assets | 1.3456% | 2,140 |
| Return on Equity (ROE) | 10.5671% | 1,985 |
| Retained earnings to average equity (ytd only) | 6.0858% | 2,382 |
| Net charge-offs to loans | 0.0719% | 3,683 |
| Credit loss provision to net charge-offs | -2.9412% | 5,430 |
| Earnings coverage of net charge-offs (x) | 42.5882% | 888 |
| Efficiency ratio | 67.2398% | 4,318 |
| Assets per employee ($millions) | 3.4659% | 4,927 |
| Cash dividends to net income (ytd only)* | 42.4084% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2661% | 1,308 |
| Loan loss allowance to noncurrent loans | 776.1029% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 6,140 |
| Noncurrent loans to loans | 0.2920% | 5,567 |
| Net loans and leases to total assets | 38.0700% | 6,174 |
| Net loans and leases to deposits | 43.0356% | 6,282 |
| Net loans and leases to core deposits | 46.8225% | 6,191 |
| Total domestic deposits to total assets | 88.4616% | 1,940 |
| Equity capital to assets | 11.2863% | 2,485 |
| Core capital (leverage) ratio | 11.6057% | 1,855 |
| Tier 1 risk-based capital ratio | 25.2385% | 852 |
| Total risk-based capital ratio | 26.4970% | 829 |
| Memoranda: | ||
| Average total assets | $236,473,000 | 2,679 |
| Average earning assets | $226,445,670 | 2,574 |
| Average equity | $28,920,000 | 2,350 |
| Average total loans | $94,557,670 | 3,618 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4469% | 5,841 |
| Cost of funding earning assets | 0.3713% | 5,355 |
| Net interest margin | 3.0755% | 5,348 |
| Noninterest income to average assets | 0.7553% | 2,312 |
| Noninterest expense to average assets | 2.4565% | 4,928 |
| Loan and lease loss provision to assets | -0.0017% | 6,715 |
| Net operating income to assets | 1.1987% | 1,529 |
| Return on assets (ROA) | 1.3881% | 1,138 |
| Pretax return on assets | 1.4426% | 1,728 |
| Return on Equity (ROE) | 10.9220% | 1,734 |
| Retained earnings to average equity (ytd only) | 7.5491% | 1,922 |
| Net charge-offs to loans | -0.0294% | 5,888 |
| Credit loss provision to net charge-offs | 14.2857% | 3,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3908% | 4,597 |
| Assets per employee ($millions) | 3.4896% | 5,003 |
| Cash dividends to net income (ytd only)* | 30.8824% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2831% | 1,442 |
| Loan loss allowance to noncurrent loans | 1,188.9503% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 6,301 |
| Noncurrent loans to loans | 0.1920% | 5,922 |
| Net loans and leases to total assets | 39.3942% | 6,043 |
| Net loans and leases to deposits | 45.2883% | 6,103 |
| Net loans and leases to core deposits | 49.2343% | 6,018 |
| Total domestic deposits to total assets | 86.9854% | 2,967 |
| Equity capital to assets | 12.8085% | 1,526 |
| Core capital (leverage) ratio | 11.6562% | 1,779 |
| Tier 1 risk-based capital ratio | 25.1022% | 875 |
| Total risk-based capital ratio | 26.3608% | 863 |
| Memoranda: | ||
| Average total assets | $235,135,000 | 2,721 |
| Average earning assets | $225,133,000 | 2,614 |
| Average equity | $29,884,500 | 2,303 |
| Average total loans | $95,259,000 | 3,628 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7917% | 5,841 |
| Cost of funding earning assets | 0.4921% | 5,278 |
| Net interest margin | 3.2996% | 5,244 |
| Noninterest income to average assets | 0.8533% | 2,023 |
| Noninterest expense to average assets | 2.7112% | 4,362 |
| Loan and lease loss provision to assets | -0.0004% | 6,806 |
| Net operating income to assets | 1.2330% | 1,495 |
| Return on assets (ROA) | 1.3363% | 1,346 |
| Pretax return on assets | 1.4112% | 2,008 |
| Return on Equity (ROE) | 10.2844% | 2,057 |
| Retained earnings to average equity (ytd only) | 1.8769% | 4,897 |
| Net charge-offs to loans | 0.0306% | 5,478 |
| Credit loss provision to net charge-offs | -3.5714% | 6,202 |
| Earnings coverage of net charge-offs (x) | 107.3571% | 360 |
| Efficiency ratio | 67.5445% | 4,227 |
| Assets per employee ($millions) | 3.4774% | 5,056 |
| Cash dividends to net income (ytd only)* | 81.7504% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2294% | 1,506 |
| Loan loss allowance to noncurrent loans | 875.9184% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 6,278 |
| Noncurrent loans to loans | 0.2545% | 5,841 |
| Net loans and leases to total assets | 39.8006% | 6,183 |
| Net loans and leases to deposits | 45.6727% | 6,273 |
| Net loans and leases to core deposits | 49.1347% | 6,201 |
| Total domestic deposits to total assets | 87.1431% | 2,746 |
| Equity capital to assets | 12.6116% | 1,634 |
| Core capital (leverage) ratio | 11.6082% | 1,798 |
| Tier 1 risk-based capital ratio | 24.8439% | 868 |
| Total risk-based capital ratio | 26.1028% | 859 |
| Memoranda: | ||
| Average total assets | $230,860,400 | 2,714 |
| Average earning assets | $221,086,800 | 2,605 |
| Average equity | $29,996,800 | 2,250 |
| Average total loans | $91,607,400 | 3,705 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 5,581 |
| Cost of funding earning assets | 0.5191% | 5,311 |
| Net interest margin | 3.4563% | 4,822 |
| Noninterest income to average assets | 0.8402% | 2,073 |
| Noninterest expense to average assets | 2.6845% | 4,428 |
| Loan and lease loss provision to assets | -0.0006% | 6,936 |
| Net operating income to assets | 1.4074% | 1,208 |
| Return on assets (ROA) | 1.5201% | 1,094 |
| Pretax return on assets | 1.5851% | 1,625 |
| Return on Equity (ROE) | 11.6107% | 1,754 |
| Retained earnings to average equity (ytd only) | 7.3499% | 1,921 |
| Net charge-offs to loans | 0.0118% | 5,542 |
| Credit loss provision to net charge-offs | -12.5000% | 6,107 |
| Earnings coverage of net charge-offs (x) | 315.5183% | 147 |
| Efficiency ratio | 64.6466% | 4,688 |
| Assets per employee ($millions) | 3.3686% | 5,287 |
| Cash dividends to net income (ytd only)* | 36.6973% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3064% | 1,507 |
| Loan loss allowance to noncurrent loans | 925.6410% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 6,455 |
| Noncurrent loans to loans | 0.2492% | 5,990 |
| Net loans and leases to total assets | 40.0521% | 6,278 |
| Net loans and leases to deposits | 46.4915% | 6,353 |
| Net loans and leases to core deposits | 50.4337% | 6,258 |
| Total domestic deposits to total assets | 86.1493% | 3,170 |
| Equity capital to assets | 13.5700% | 1,320 |
| Core capital (leverage) ratio | 12.0534% | 1,625 |
| Tier 1 risk-based capital ratio | 26.5752% | 776 |
| Total risk-based capital ratio | 27.8347% | 759 |
| Memoranda: | ||
| Average total assets | $229,459,500 | 2,760 |
| Average earning assets | $219,846,500 | 2,648 |
| Average equity | $30,040,500 | 2,266 |
| Average total loans | $90,444,250 | 3,778 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0135% | 5,603 |
| Cost of funding earning assets | 0.5505% | 5,303 |
| Net interest margin | 3.4630% | 4,829 |
| Noninterest income to average assets | 0.7971% | 2,196 |
| Noninterest expense to average assets | 2.6186% | 4,716 |
| Loan and lease loss provision to assets | -0.0009% | 7,013 |
| Net operating income to assets | 1.4391% | 1,110 |
| Return on assets (ROA) | 1.5436% | 1,033 |
| Pretax return on assets | 1.6089% | 1,521 |
| Return on Equity (ROE) | 11.9356% | 1,685 |
| Retained earnings to average equity (ytd only) | 6.9041% | 2,159 |
| Net charge-offs to loans | -0.0134% | 6,346 |
| Credit loss provision to net charge-offs | 16.6667% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5921% | 4,970 |
| Assets per employee ($millions) | 3.3139% | 5,413 |
| Cash dividends to net income (ytd only)* | 42.1558% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3542% | 1,494 |
| Loan loss allowance to noncurrent loans | 1,028.3019% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 6,490 |
| Noncurrent loans to loans | 0.2289% | 6,120 |
| Net loans and leases to total assets | 38.9790% | 6,405 |
| Net loans and leases to deposits | 46.3967% | 6,409 |
| Net loans and leases to core deposits | 50.8251% | 6,310 |
| Total domestic deposits to total assets | 84.0126% | 4,311 |
| Equity capital to assets | 13.0466% | 1,496 |
| Core capital (leverage) ratio | 11.9163% | 1,644 |
| Tier 1 risk-based capital ratio | 26.1799% | 791 |
| Total risk-based capital ratio | 27.4401% | 780 |
| Memoranda: | ||
| Average total assets | $229,591,330 | 2,757 |
| Average earning assets | $220,156,670 | 2,646 |
| Average equity | $29,692,670 | 2,278 |
| Average total loans | $89,288,670 | 3,823 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0550% | 5,591 |
| Cost of funding earning assets | 0.5730% | 5,336 |
| Net interest margin | 3.4820% | 4,783 |
| Noninterest income to average assets | 0.7916% | 2,203 |
| Noninterest expense to average assets | 2.6165% | 4,757 |
| Loan and lease loss provision to assets | -0.0053% | 7,093 |
| Net operating income to assets | 1.4636% | 1,095 |
| Return on assets (ROA) | 1.6620% | 861 |
| Pretax return on assets | 1.7286% | 1,236 |
| Return on Equity (ROE) | 12.9087% | 1,430 |
| Retained earnings to average equity (ytd only) | 12.9087% | 695 |
| Net charge-offs to loans | -0.0776% | 6,706 |
| Credit loss provision to net charge-offs | 17.6471% | 3,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3051% | 5,049 |
| Assets per employee ($millions) | 3.2270% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4580% | 1,416 |
| Loan loss allowance to noncurrent loans | 1,140.1042% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 6,588 |
| Noncurrent loans to loans | 0.2156% | 6,257 |
| Net loans and leases to total assets | 38.4552% | 6,464 |
| Net loans and leases to deposits | 45.7674% | 6,447 |
| Net loans and leases to core deposits | 50.1715% | 6,328 |
| Total domestic deposits to total assets | 84.0231% | 4,479 |
| Equity capital to assets | 13.2047% | 1,356 |
| Core capital (leverage) ratio | 12.0118% | 1,577 |
| Tier 1 risk-based capital ratio | 25.7035% | 832 |
| Total risk-based capital ratio | 26.9633% | 811 |
| Memoranda: | ||
| Average total assets | $228,399,000 | 2,787 |
| Average earning assets | $219,187,500 | 2,660 |
| Average equity | $29,406,500 | 2,301 |
| Average total loans | $87,632,000 | 3,895 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 5,785 |
| Cost of funding earning assets | 0.7188% | 5,414 |
| Net interest margin | 3.5731% | 4,837 |
| Noninterest income to average assets | 0.8397% | 1,887 |
| Noninterest expense to average assets | 2.6156% | 5,035 |
| Loan and lease loss provision to assets | 0.0679% | 5,761 |
| Net operating income to assets | 1.4787% | 871 |
| Return on assets (ROA) | 1.5336% | 836 |
| Pretax return on assets | 1.6303% | 1,141 |
| Return on Equity (ROE) | 11.6730% | 1,506 |
| Retained earnings to average equity (ytd only) | -11.5226% | 6,749 |
| Net charge-offs to loans | 0.0557% | 5,758 |
| Credit loss provision to net charge-offs | 316.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 76.3200% | 395 |
| Efficiency ratio | 61.4561% | 5,543 |
| Assets per employee ($millions) | 3.2987% | 5,513 |
| Cash dividends to net income (ytd only)* | 198.7111% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5229% | 1,285 |
| Loan loss allowance to noncurrent loans | 895.0617% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 6,596 |
| Noncurrent loans to loans | 0.2819% | 6,161 |
| Net loans and leases to total assets | 36.3927% | 6,740 |
| Net loans and leases to deposits | 44.0501% | 6,720 |
| Net loans and leases to core deposits | 48.5743% | 6,614 |
| Total domestic deposits to total assets | 82.6165% | 4,915 |
| Equity capital to assets | 12.5526% | 1,770 |
| Core capital (leverage) ratio | 11.4175% | 1,954 |
| Tier 1 risk-based capital ratio | 24.8567% | 880 |
| Total risk-based capital ratio | 26.1166% | 869 |
| Memoranda: | ||
| Average total assets | $232,715,400 | 2,698 |
| Average earning assets | $222,469,200 | 2,583 |
| Average equity | $30,574,800 | 2,152 |
| Average total loans | $89,830,400 | 3,859 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3822% | 5,665 |
| Cost of funding earning assets | 0.7405% | 5,517 |
| Net interest margin | 3.6416% | 4,608 |
| Noninterest income to average assets | 0.8663% | 1,769 |
| Noninterest expense to average assets | 2.5778% | 5,161 |
| Loan and lease loss provision to assets | 0.0652% | 5,637 |
| Net operating income to assets | 1.6305% | 738 |
| Return on assets (ROA) | 1.7046% | 680 |
| Pretax return on assets | 1.7789% | 993 |
| Return on Equity (ROE) | 12.8327% | 1,322 |
| Retained earnings to average equity (ytd only) | -4.3780% | 6,547 |
| Net charge-offs to loans | 0.0735% | 5,228 |
| Credit loss provision to net charge-offs | 228.0000% | 1,249 |
| Earnings coverage of net charge-offs (x) | 61.7954% | 538 |
| Efficiency ratio | 59.3182% | 5,826 |
| Assets per employee ($millions) | 3.3094% | 5,469 |
| Cash dividends to net income (ytd only)* | 134.1159% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4061% | 1,528 |
| Loan loss allowance to noncurrent loans | 1,837.0690% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 6,699 |
| Noncurrent loans to loans | 0.1310% | 6,611 |
| Net loans and leases to total assets | 37.3116% | 6,803 |
| Net loans and leases to deposits | 45.2831% | 6,774 |
| Net loans and leases to core deposits | 50.0672% | 6,666 |
| Total domestic deposits to total assets | 82.3964% | 4,926 |
| Equity capital to assets | 13.6611% | 1,301 |
| Core capital (leverage) ratio | 12.3867% | 1,492 |
| Tier 1 risk-based capital ratio | 26.7708% | 751 |
| Total risk-based capital ratio | 28.0293% | 741 |
| Memoranda: | ||
| Average total assets | $233,167,000 | 2,697 |
| Average earning assets | $222,715,000 | 2,595 |
| Average equity | $30,972,250 | 2,139 |
| Average total loans | $90,735,750 | 3,873 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3462% | 5,857 |
| Cost of funding earning assets | 0.7643% | 5,596 |
| Net interest margin | 3.5819% | 4,780 |
| Noninterest income to average assets | 0.8225% | 1,921 |
| Noninterest expense to average assets | 2.6191% | 5,120 |
| Loan and lease loss provision to assets | 0.0616% | 5,532 |
| Net operating income to assets | 1.5037% | 883 |
| Return on assets (ROA) | 1.5201% | 906 |
| Pretax return on assets | 1.5886% | 1,276 |
| Return on Equity (ROE) | 11.5522% | 1,619 |
| Retained earnings to average equity (ytd only) | -14.4533% | 7,021 |
| Net charge-offs to loans | 0.0897% | 4,766 |
| Credit loss provision to net charge-offs | 175.6098% | 1,715 |
| Earnings coverage of net charge-offs (x) | 46.5366% | 665 |
| Efficiency ratio | 61.5942% | 5,644 |
| Assets per employee ($millions) | 3.3211% | 5,388 |
| Cash dividends to net income (ytd only)* | 225.1126% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3622% | 1,649 |
| Loan loss allowance to noncurrent loans | 1,178.6517% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 6,714 |
| Noncurrent loans to loans | 0.2004% | 6,507 |
| Net loans and leases to total assets | 37.3009% | 6,896 |
| Net loans and leases to deposits | 44.5191% | 6,905 |
| Net loans and leases to core deposits | 49.1042% | 6,805 |
| Total domestic deposits to total assets | 83.7864% | 4,438 |
| Equity capital to assets | 12.9273% | 1,554 |
| Core capital (leverage) ratio | 11.8992% | 1,670 |
| Tier 1 risk-based capital ratio | 25.6223% | 838 |
| Total risk-based capital ratio | 26.8807% | 822 |
| Memoranda: | ||
| Average total assets | $233,670,330 | 2,720 |
| Average earning assets | $223,737,000 | 2,600 |
| Average equity | $30,747,330 | 2,137 |
| Average total loans | $91,459,000 | 3,905 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 6,077 |
| Cost of funding earning assets | 0.8114% | 5,520 |
| Net interest margin | 3.4650% | 5,161 |
| Noninterest income to average assets | 0.8162% | 1,965 |
| Noninterest expense to average assets | 2.5919% | 5,258 |
| Loan and lease loss provision to assets | 0.0632% | 5,201 |
| Net operating income to assets | 1.4138% | 1,040 |
| Return on assets (ROA) | 1.4138% | 1,077 |
| Pretax return on assets | 1.4787% | 1,506 |
| Return on Equity (ROE) | 10.6514% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.6514% | 963 |
| Net charge-offs to loans | 0.0302% | 4,675 |
| Credit loss provision to net charge-offs | 528.5714% | 684 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 246 |
| Efficiency ratio | 62.7014% | 5,566 |
| Assets per employee ($millions) | 3.3712% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3141% | 1,739 |
| Loan loss allowance to noncurrent loans | 819.1406% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 6,685 |
| Noncurrent loans to loans | 0.2825% | 6,425 |
| Net loans and leases to total assets | 37.5126% | 6,931 |
| Net loans and leases to deposits | 45.1733% | 6,904 |
| Net loans and leases to core deposits | 50.0682% | 6,768 |
| Total domestic deposits to total assets | 83.0415% | 4,910 |
| Equity capital to assets | 13.3205% | 1,253 |
| Core capital (leverage) ratio | 13.1216% | 1,086 |
| Tier 1 risk-based capital ratio | 27.9463% | 640 |
| Total risk-based capital ratio | 29.2043% | 628 |
| Memoranda: | ||
| Average total assets | $234,267,000 | 2,735 |
| Average earning assets | $224,303,000 | 2,611 |
| Average equity | $31,094,500 | 2,106 |
| Average total loans | $92,781,500 | 3,904 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 5,862 |
| Cost of funding earning assets | 0.9469% | 5,950 |
| Net interest margin | 3.7331% | 4,215 |
| Noninterest income to average assets | 0.7451% | 2,565 |
| Noninterest expense to average assets | 2.5841% | 5,482 |
| Loan and lease loss provision to assets | 0.0894% | 6,249 |
| Net operating income to assets | 1.5808% | 644 |
| Return on assets (ROA) | 1.5808% | 704 |
| Pretax return on assets | 1.6329% | 1,066 |
| Return on Equity (ROE) | 12.5959% | 1,194 |
| Retained earnings to average equity (ytd only) | 12.5959% | 234 |
| Net charge-offs to loans | 0.1027% | 5,835 |
| Credit loss provision to net charge-offs | 221.8750% | 1,348 |
| Earnings coverage of net charge-offs (x) | 42.7396% | 543 |
| Efficiency ratio | 59.9961% | 6,048 |
| Assets per employee ($millions) | 3.3222% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1771% | 1,913 |
| Loan loss allowance to noncurrent loans | 751.6364% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 6,716 |
| Noncurrent loans to loans | 0.2896% | 6,479 |
| Net loans and leases to total assets | 39.9377% | 6,968 |
| Net loans and leases to deposits | 49.6209% | 6,873 |
| Net loans and leases to core deposits | 55.5472% | 6,717 |
| Total domestic deposits to total assets | 80.4857% | 5,688 |
| Equity capital to assets | 13.2250% | 1,289 |
| Core capital (leverage) ratio | 12.9990% | 1,129 |
| Tier 1 risk-based capital ratio | 26.1066% | 746 |
| Total risk-based capital ratio | 27.3636% | 731 |
| Memoranda: | ||
| Average total assets | $238,228,600 | 2,655 |
| Average earning assets | $227,266,400 | 2,552 |
| Average equity | $29,898,600 | 2,185 |
| Average total loans | $93,461,000 | 3,968 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 5,900 |
| Cost of funding earning assets | 0.9713% | 6,074 |
| Net interest margin | 3.7631% | 4,121 |
| Noninterest income to average assets | 0.7372% | 2,596 |
| Noninterest expense to average assets | 2.5548% | 5,488 |
| Loan and lease loss provision to assets | 0.0985% | 6,034 |
| Net operating income to assets | 1.5979% | 751 |
| Return on assets (ROA) | 1.5979% | 818 |
| Pretax return on assets | 1.6707% | 1,170 |
| Return on Equity (ROE) | 12.8998% | 1,282 |
| Retained earnings to average equity (ytd only) | 12.8998% | 356 |
| Net charge-offs to loans | 0.0845% | 5,687 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 53.9015% | 538 |
| Efficiency ratio | 59.0839% | 6,096 |
| Assets per employee ($millions) | 3.1872% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2342% | 1,734 |
| Loan loss allowance to noncurrent loans | 630.4878% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 6,674 |
| Noncurrent loans to loans | 0.3544% | 6,488 |
| Net loans and leases to total assets | 39.4348% | 7,109 |
| Net loans and leases to deposits | 48.3060% | 7,074 |
| Net loans and leases to core deposits | 53.8135% | 6,965 |
| Total domestic deposits to total assets | 81.6354% | 5,151 |
| Equity capital to assets | 13.9067% | 1,197 |
| Core capital (leverage) ratio | 12.4451% | 1,442 |
| Tier 1 risk-based capital ratio | 26.5640% | 734 |
| Total risk-based capital ratio | 27.8221% | 710 |
| Memoranda: | ||
| Average total assets | $239,647,750 | 2,673 |
| Average earning assets | $228,421,250 | 2,580 |
| Average equity | $29,684,500 | 2,226 |
| Average total loans | $93,090,500 | 4,049 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7268% | 6,054 |
| Cost of funding earning assets | 0.9870% | 6,210 |
| Net interest margin | 3.7398% | 4,185 |
| Noninterest income to average assets | 0.7077% | 2,660 |
| Noninterest expense to average assets | 2.4951% | 5,733 |
| Loan and lease loss provision to assets | 0.1160% | 5,739 |
| Net operating income to assets | 1.5882% | 740 |
| Return on assets (ROA) | 1.5882% | 796 |
| Pretax return on assets | 1.6607% | 1,145 |
| Return on Equity (ROE) | 13.3372% | 1,169 |
| Retained earnings to average equity (ytd only) | 13.3372% | 348 |
| Net charge-offs to loans | 0.0729% | 5,416 |
| Credit loss provision to net charge-offs | 414.7059% | 878 |
| Earnings coverage of net charge-offs (x) | 63.5000% | 488 |
| Efficiency ratio | 58.4088% | 6,320 |
| Assets per employee ($millions) | 3.3108% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2045% | 1,744 |
| Loan loss allowance to noncurrent loans | 998.5437% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 6,896 |
| Noncurrent loans to loans | 0.2208% | 6,801 |
| Net loans and leases to total assets | 38.2812% | 7,256 |
| Net loans and leases to deposits | 46.2917% | 7,239 |
| Net loans and leases to core deposits | 52.7397% | 7,098 |
| Total domestic deposits to total assets | 82.6956% | 4,699 |
| Equity capital to assets | 12.9806% | 1,580 |
| Core capital (leverage) ratio | 11.7503% | 1,777 |
| Tier 1 risk-based capital ratio | 25.8974% | 772 |
| Total risk-based capital ratio | 27.1557% | 764 |
| Memoranda: | ||
| Average total assets | $243,037,000 | 2,679 |
| Average earning assets | $231,615,000 | 2,571 |
| Average equity | $28,941,670 | 2,266 |
| Average total loans | $93,266,330 | 4,074 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 5,934 |
| Cost of funding earning assets | 1.0044% | 6,353 |
| Net interest margin | 3.7826% | 3,864 |
| Noninterest income to average assets | 0.7026% | 2,582 |
| Noninterest expense to average assets | 2.3980% | 6,097 |
| Loan and lease loss provision to assets | 0.1109% | 5,512 |
| Net operating income to assets | 1.7134% | 600 |
| Return on assets (ROA) | 1.7134% | 654 |
| Pretax return on assets | 1.7916% | 891 |
| Return on Equity (ROE) | 15.0460% | 866 |
| Retained earnings to average equity (ytd only) | 15.0460% | 404 |
| Net charge-offs to loans | 0.0901% | 4,515 |
| Credit loss provision to net charge-offs | 323.8095% | 1,223 |
| Earnings coverage of net charge-offs (x) | 55.5714% | 525 |
| Efficiency ratio | 55.7619% | 6,797 |
| Assets per employee ($millions) | 3.3280% | 5,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1721% | 1,809 |
| Loan loss allowance to noncurrent loans | 828.6307% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 6,987 |
| Noncurrent loans to loans | 0.2621% | 6,800 |
| Net loans and leases to total assets | 37.5355% | 7,364 |
| Net loans and leases to deposits | 44.7345% | 7,376 |
| Net loans and leases to core deposits | 53.0163% | 7,156 |
| Total domestic deposits to total assets | 83.9074% | 4,184 |
| Equity capital to assets | 12.0102% | 2,038 |
| Core capital (leverage) ratio | 11.1848% | 2,102 |
| Tier 1 risk-based capital ratio | 24.3514% | 926 |
| Total risk-based capital ratio | 25.6081% | 905 |
| Memoranda: | ||
| Average total assets | $245,366,500 | 2,693 |
| Average earning assets | $233,384,500 | 2,608 |
| Average equity | $27,941,000 | 2,375 |
| Average total loans | $93,244,000 | 4,137 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2530% | 5,398 |
| Cost of funding earning assets | 1.2266% | 6,564 |
| Net interest margin | 4.0264% | 2,757 |
| Noninterest income to average assets | 0.7302% | 2,786 |
| Noninterest expense to average assets | 2.6294% | 5,677 |
| Loan and lease loss provision to assets | 0.1656% | 6,035 |
| Net operating income to assets | 1.6186% | 522 |
| Return on assets (ROA) | 1.6251% | 547 |
| Pretax return on assets | 1.7198% | 746 |
| Return on Equity (ROE) | 13.8756% | 806 |
| Retained earnings to average equity (ytd only) | 5.0165% | 1,811 |
| Net charge-offs to loans | 0.0721% | 6,387 |
| Credit loss provision to net charge-offs | 580.3030% | 520 |
| Earnings coverage of net charge-offs (x) | 65.8333% | 412 |
| Efficiency ratio | 58.3197% | 6,719 |
| Assets per employee ($millions) | 3.4878% | 5,028 |
| Cash dividends to net income (ytd only)* | 63.8468% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0624% | 1,882 |
| Loan loss allowance to noncurrent loans | 309.0333% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 6,740 |
| Noncurrent loans to loans | 0.6674% | 5,905 |
| Net loans and leases to total assets | 36.8752% | 7,489 |
| Net loans and leases to deposits | 48.4264% | 7,336 |
| Net loans and leases to core deposits | 61.2765% | 7,218 |
| Total domestic deposits to total assets | 76.1469% | 6,649 |
| Equity capital to assets | 10.7932% | 2,876 |
| Core capital (leverage) ratio | 10.8175% | 2,334 |
| Tier 1 risk-based capital ratio | 21.9778% | 1,154 |
| Total risk-based capital ratio | 23.2324% | 1,132 |
| Memoranda: | ||
| Average total assets | $231,304,800 | 2,805 |
| Average earning assets | $217,016,800 | 2,743 |
| Average equity | $27,090,800 | 2,443 |
| Average total loans | $91,571,800 | 4,174 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3944% | 4,975 |
| Cost of funding earning assets | 1.2853% | 6,600 |
| Net interest margin | 4.1091% | 2,359 |
| Noninterest income to average assets | 0.7575% | 2,662 |
| Noninterest expense to average assets | 2.6907% | 5,370 |
| Loan and lease loss provision to assets | 0.1655% | 5,699 |
| Net operating income to assets | 1.6699% | 591 |
| Return on assets (ROA) | 1.6699% | 633 |
| Pretax return on assets | 1.7465% | 887 |
| Return on Equity (ROE) | 13.9544% | 944 |
| Retained earnings to average equity (ytd only) | 2.1412% | 4,128 |
| Net charge-offs to loans | 0.0602% | 6,100 |
| Credit loss provision to net charge-offs | 685.3659% | 548 |
| Earnings coverage of net charge-offs (x) | 79.1639% | 426 |
| Efficiency ratio | 58.4592% | 6,659 |
| Assets per employee ($millions) | 3.2376% | 5,553 |
| Cash dividends to net income (ytd only)* | 84.6560% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0590% | 1,672 |
| Loan loss allowance to noncurrent loans | 340.5455% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 6,823 |
| Noncurrent loans to loans | 0.6046% | 6,096 |
| Net loans and leases to total assets | 38.2207% | 7,539 |
| Net loans and leases to deposits | 48.2991% | 7,484 |
| Net loans and leases to core deposits | 59.4535% | 7,421 |
| Total domestic deposits to total assets | 79.1333% | 5,756 |
| Equity capital to assets | 11.7982% | 2,355 |
| Core capital (leverage) ratio | 11.1077% | 2,327 |
| Tier 1 risk-based capital ratio | 22.7488% | 1,139 |
| Total risk-based capital ratio | 24.0042% | 1,111 |
| Memoranda: | ||
| Average total assets | $226,351,000 | 2,883 |
| Average earning assets | $211,819,000 | 2,829 |
| Average equity | $27,087,500 | 2,464 |
| Average total loans | $90,827,000 | 4,221 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4737% | 4,759 |
| Cost of funding earning assets | 1.3458% | 6,664 |
| Net interest margin | 4.1279% | 2,230 |
| Noninterest income to average assets | 0.7381% | 2,772 |
| Noninterest expense to average assets | 2.6783% | 5,461 |
| Loan and lease loss provision to assets | 0.1598% | 5,464 |
| Net operating income to assets | 1.6876% | 579 |
| Return on assets (ROA) | 1.6876% | 637 |
| Pretax return on assets | 1.7653% | 908 |
| Return on Equity (ROE) | 14.0337% | 985 |
| Retained earnings to average equity (ytd only) | -3.7775% | 6,094 |
| Net charge-offs to loans | 0.0595% | 5,668 |
| Credit loss provision to net charge-offs | 662.9630% | 701 |
| Earnings coverage of net charge-offs (x) | 79.8889% | 480 |
| Efficiency ratio | 58.1815% | 6,836 |
| Assets per employee ($millions) | 3.0788% | 5,919 |
| Cash dividends to net income (ytd only)* | 126.9170% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9275% | 1,726 |
| Loan loss allowance to noncurrent loans | 243.1880% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 6,524 |
| Noncurrent loans to loans | 0.7926% | 5,646 |
| Net loans and leases to total assets | 40.9703% | 7,507 |
| Net loans and leases to deposits | 48.2508% | 7,557 |
| Net loans and leases to core deposits | 58.9601% | 7,486 |
| Total domestic deposits to total assets | 84.9112% | 3,309 |
| Equity capital to assets | 11.6098% | 2,463 |
| Core capital (leverage) ratio | 10.9810% | 2,414 |
| Tier 1 risk-based capital ratio | 22.0334% | 1,250 |
| Total risk-based capital ratio | 23.2728% | 1,224 |
| Memoranda: | ||
| Average total assets | $224,100,000 | 2,921 |
| Average earning assets | $209,840,330 | 2,871 |
| Average equity | $26,949,330 | 2,484 |
| Average total loans | $90,780,330 | 4,259 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5101% | 4,858 |
| Cost of funding earning assets | 1.4171% | 6,674 |
| Net interest margin | 4.0930% | 2,303 |
| Noninterest income to average assets | 0.6764% | 3,026 |
| Noninterest expense to average assets | 2.4606% | 5,989 |
| Loan and lease loss provision to assets | 0.1491% | 5,023 |
| Net operating income to assets | 1.7948% | 534 |
| Return on assets (ROA) | 1.7948% | 589 |
| Pretax return on assets | 1.8765% | 842 |
| Return on Equity (ROE) | 14.6756% | 1,040 |
| Retained earnings to average equity (ytd only) | 14.6756% | 451 |
| Net charge-offs to loans | 0.0089% | 5,532 |
| Credit loss provision to net charge-offs | 4,200.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 570.5000% | 37 |
| Efficiency ratio | 54.8476% | 7,126 |
| Assets per employee ($millions) | 3.1319% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 1,596 |
| Loan loss allowance to noncurrent loans | 355.8091% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 6,735 |
| Noncurrent loans to loans | 0.5375% | 6,070 |
| Net loans and leases to total assets | 39.0064% | 7,616 |
| Net loans and leases to deposits | 46.3071% | 7,651 |
| Net loans and leases to core deposits | 56.5265% | 7,595 |
| Total domestic deposits to total assets | 84.2342% | 3,585 |
| Equity capital to assets | 12.2686% | 2,097 |
| Core capital (leverage) ratio | 11.7304% | 2,030 |
| Tier 1 risk-based capital ratio | 23.9194% | 1,094 |
| Total risk-based capital ratio | 25.1733% | 1,065 |
| Memoranda: | ||
| Average total assets | $225,312,500 | 2,928 |
| Average earning assets | $209,724,500 | 2,884 |
| Average equity | $27,556,000 | 2,451 |
| Average total loans | $89,867,500 | 4,315 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8865% | 6,103 |
| Cost of funding earning assets | 2.2199% | 5,510 |
| Net interest margin | 3.6666% | 4,615 |
| Noninterest income to average assets | 0.9451% | 1,791 |
| Noninterest expense to average assets | 2.6229% | 5,563 |
| Loan and lease loss provision to assets | 0.1424% | 5,531 |
| Net operating income to assets | 1.5270% | 968 |
| Return on assets (ROA) | 1.5864% | 816 |
| Pretax return on assets | 1.6817% | 1,186 |
| Return on Equity (ROE) | 13.7029% | 1,162 |
| Retained earnings to average equity (ytd only) | 11.1366% | 311 |
| Net charge-offs to loans | 0.2727% | 3,587 |
| Credit loss provision to net charge-offs | 115.7088% | 4,666 |
| Earnings coverage of net charge-offs (x) | 14.3065% | 2,045 |
| Efficiency ratio | 59.8214% | 6,384 |
| Assets per employee ($millions) | 3.0017% | 6,054 |
| Cash dividends to net income (ytd only)* | 18.7277% | 4,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 1,600 |
| Loan loss allowance to noncurrent loans | 448.6264% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 6,744 |
| Noncurrent loans to loans | 0.4042% | 6,135 |
| Net loans and leases to total assets | 39.2794% | 7,704 |
| Net loans and leases to deposits | 45.8168% | 7,788 |
| Net loans and leases to core deposits | 57.2718% | 7,695 |
| Total domestic deposits to total assets | 85.7314% | 2,521 |
| Equity capital to assets | 12.1916% | 2,163 |
| Core capital (leverage) ratio | 11.6193% | 2,180 |
| Tier 1 risk-based capital ratio | 23.1409% | 1,176 |
| Total risk-based capital ratio | 24.3939% | 1,149 |
| Memoranda: | ||
| Average total assets | $212,051,400 | 2,980 |
| Average earning assets | $198,878,600 | 2,907 |
| Average equity | $24,549,600 | 2,684 |
| Average total loans | $95,715,400 | 4,062 |