Home > Commercial Bank and Trust of PA > Performance and Condition Ratios
Commercial Bank and Trust of PA, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 4,061 |
| Cost of funding earning assets | 0.5458% | 4,274 |
| Net interest margin | 3.7631% | 1,752 |
| Noninterest income to average assets | 0.7500% | 899 |
| Noninterest expense to average assets | 3.6740% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.4857% | 3,594 |
| Return on assets (ROA) | 0.4707% | 3,634 |
| Pretax return on assets | 0.4513% | 3,782 |
| Return on Equity (ROE) | 5.3000% | 3,482 |
| Retained earnings to average equity (ytd only) | 1.4881% | 3,414 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 88.7360% | 540 |
| Assets per employee ($millions) | 5.1338% | 3,572 |
| Cash dividends to net income (ytd only)* | 71.9178% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4837% | 4,269 |
| Loan loss allowance to noncurrent loans | 745.6897% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 3,490 |
| Noncurrent loans to loans | 0.0649% | 3,352 |
| Net loans and leases to total assets | 48.1400% | 3,659 |
| Net loans and leases to deposits | 58.4579% | 3,548 |
| Net loans and leases to core deposits | 58.4579% | 3,744 |
| Total domestic deposits to total assets | 82.3600% | 3,237 |
| Equity capital to assets | 9.0830% | 2,874 |
| Core capital (leverage) ratio | 14.1534% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5747% | 349 |
| Memoranda: | ||
| Average total assets | $372,236,500 | 2,162 |
| Average earning assets | $334,932,500 | 2,209 |
| Average equity | $33,062,500 | 2,308 |
| Average total loans | $180,135,500 | 2,533 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2015% | 4,163 |
| Cost of funding earning assets | 0.5871% | 4,277 |
| Net interest margin | 3.6144% | 1,849 |
| Noninterest income to average assets | 0.7100% | 1,144 |
| Noninterest expense to average assets | 3.5911% | 523 |
| Loan and lease loss provision to assets | -0.0800% | 4,341 |
| Net operating income to assets | 0.4774% | 3,535 |
| Return on assets (ROA) | 0.4782% | 3,547 |
| Pretax return on assets | 0.4655% | 3,710 |
| Return on Equity (ROE) | 5.2700% | 3,446 |
| Retained earnings to average equity (ytd only) | -2.0191% | 4,163 |
| Net charge-offs to loans | 0.0016% | 2,986 |
| Credit loss provision to net charge-offs | -9,766.6667% | 4,508 |
| Earnings coverage of net charge-offs (x) | 498.6667% | 260 |
| Efficiency ratio | 90.2356% | 496 |
| Assets per employee ($millions) | 5.0654% | 3,592 |
| Cash dividends to net income (ytd only)* | 138.2944% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4767% | 4,291 |
| Loan loss allowance to noncurrent loans | 745.6897% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 3,465 |
| Noncurrent loans to loans | 0.0639% | 3,331 |
| Net loans and leases to total assets | 48.1800% | 3,716 |
| Net loans and leases to deposits | 59.8841% | 3,541 |
| Net loans and leases to core deposits | 59.8841% | 3,753 |
| Total domestic deposits to total assets | 80.4500% | 3,499 |
| Equity capital to assets | 8.6840% | 3,052 |
| Core capital (leverage) ratio | 14.0058% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2820% | 363 |
| Memoranda: | ||
| Average total assets | $384,984,200 | 2,086 |
| Average earning assets | $348,137,400 | 2,119 |
| Average equity | $34,917,400 | 2,172 |
| Average total loans | $188,196,000 | 2,458 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1701% | 4,181 |
| Cost of funding earning assets | 0.5779% | 4,312 |
| Net interest margin | 3.5922% | 1,849 |
| Noninterest income to average assets | 0.7000% | 1,135 |
| Noninterest expense to average assets | 3.5682% | 528 |
| Loan and lease loss provision to assets | -0.0300% | 4,235 |
| Net operating income to assets | 0.4249% | 3,635 |
| Return on assets (ROA) | 0.4259% | 3,669 |
| Pretax return on assets | 0.4101% | 3,794 |
| Return on Equity (ROE) | 4.6500% | 3,603 |
| Retained earnings to average equity (ytd only) | -3.7323% | 4,293 |
| Net charge-offs to loans | 0.0021% | 2,698 |
| Credit loss provision to net charge-offs | -2,466.6667% | 4,510 |
| Earnings coverage of net charge-offs (x) | 371.6667% | 320 |
| Efficiency ratio | 90.2925% | 523 |
| Assets per employee ($millions) | 5.2003% | 3,517 |
| Cash dividends to net income (ytd only)* | 180.2908% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5848% | 4,246 |
| Loan loss allowance to noncurrent loans | 1,118.5567% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 3,583 |
| Noncurrent loans to loans | 0.0523% | 3,440 |
| Net loans and leases to total assets | 47.2900% | 3,764 |
| Net loans and leases to deposits | 59.3954% | 3,620 |
| Net loans and leases to core deposits | 59.3954% | 3,805 |
| Total domestic deposits to total assets | 79.6100% | 3,523 |
| Equity capital to assets | 9.8052% | 2,425 |
| Core capital (leverage) ratio | 13.8163% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0215% | 381 |
| Memoranda: | ||
| Average total assets | $387,521,000 | 2,073 |
| Average earning assets | $350,675,500 | 2,107 |
| Average equity | $35,509,000 | 2,149 |
| Average total loans | $189,882,000 | 2,435 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 4,124 |
| Cost of funding earning assets | 0.4875% | 4,366 |
| Net interest margin | 3.6647% | 1,607 |
| Noninterest income to average assets | 0.7100% | 1,002 |
| Noninterest expense to average assets | 3.5303% | 543 |
| Loan and lease loss provision to assets | -0.0400% | 4,323 |
| Net operating income to assets | 0.5451% | 3,293 |
| Return on assets (ROA) | 0.5481% | 3,307 |
| Pretax return on assets | 0.5512% | 3,479 |
| Return on Equity (ROE) | 6.0800% | 3,192 |
| Retained earnings to average equity (ytd only) | -2.4390% | 3,969 |
| Net charge-offs to loans | 0.0063% | 1,870 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,550 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 479 |
| Efficiency ratio | 87.4233% | 715 |
| Assets per employee ($millions) | 4.9314% | 3,696 |
| Cash dividends to net income (ytd only)* | 140.1130% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5859% | 4,251 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 49.4000% | 3,640 |
| Net loans and leases to deposits | 58.0558% | 3,618 |
| Net loans and leases to core deposits | 58.0558% | 3,838 |
| Total domestic deposits to total assets | 85.1000% | 2,380 |
| Equity capital to assets | 8.8272% | 2,794 |
| Core capital (leverage) ratio | 13.7828% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7958% | 393 |
| Memoranda: | ||
| Average total assets | $387,498,000 | 2,076 |
| Average earning assets | $352,007,000 | 2,102 |
| Average equity | $34,932,000 | 2,140 |
| Average total loans | $191,981,500 | 2,411 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 3,748 |
| Cost of funding earning assets | 0.4023% | 4,292 |
| Net interest margin | 3.7310% | 1,697 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 3.3217% | 726 |
| Loan and lease loss provision to assets | -0.0900% | 4,508 |
| Net operating income to assets | 0.7685% | 2,981 |
| Return on assets (ROA) | 0.7671% | 2,965 |
| Pretax return on assets | 0.8109% | 3,188 |
| Return on Equity (ROE) | 9.2700% | 2,691 |
| Retained earnings to average equity (ytd only) | 0.2811% | 3,987 |
| Net charge-offs to loans | 0.0005% | 2,887 |
| Credit loss provision to net charge-offs | -37,200.0000% | 4,611 |
| Earnings coverage of net charge-offs (x) | 2,877.0000% | 47 |
| Efficiency ratio | 82.1990% | 765 |
| Assets per employee ($millions) | 4.9411% | 3,683 |
| Cash dividends to net income (ytd only)* | 96.9687% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6027% | 4,242 |
| Loan loss allowance to noncurrent loans | 2,324.0000% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 3,676 |
| Noncurrent loans to loans | 0.0259% | 3,557 |
| Net loans and leases to total assets | 49.1000% | 3,650 |
| Net loans and leases to deposits | 58.5593% | 3,604 |
| Net loans and leases to core deposits | 58.5593% | 3,815 |
| Total domestic deposits to total assets | 83.8400% | 2,664 |
| Equity capital to assets | 9.1996% | 2,546 |
| Core capital (leverage) ratio | 13.5025% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8433% | 380 |
| Memoranda: | ||
| Average total assets | $399,949,200 | 2,011 |
| Average earning assets | $362,901,400 | 2,030 |
| Average equity | $33,083,000 | 2,140 |
| Average total loans | $196,517,000 | 2,306 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1176% | 3,627 |
| Cost of funding earning assets | 0.3536% | 4,312 |
| Net interest margin | 3.7639% | 1,662 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 3.2627% | 756 |
| Loan and lease loss provision to assets | -0.1200% | 4,555 |
| Net operating income to assets | 0.8606% | 2,830 |
| Return on assets (ROA) | 0.8606% | 2,810 |
| Pretax return on assets | 0.9269% | 3,038 |
| Return on Equity (ROE) | 10.6900% | 2,452 |
| Retained earnings to average equity (ytd only) | 1.5031% | 3,841 |
| Net charge-offs to loans | 0.0014% | 2,562 |
| Credit loss provision to net charge-offs | -18,600.0000% | 4,638 |
| Earnings coverage of net charge-offs (x) | 1,212.5000% | 132 |
| Efficiency ratio | 80.2380% | 844 |
| Assets per employee ($millions) | 5.0096% | 3,598 |
| Cash dividends to net income (ytd only)* | 85.9453% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5994% | 4,266 |
| Loan loss allowance to noncurrent loans | 1,305.6180% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 3,589 |
| Noncurrent loans to loans | 0.0459% | 3,426 |
| Net loans and leases to total assets | 49.3100% | 3,668 |
| Net loans and leases to deposits | 57.0237% | 3,656 |
| Net loans and leases to core deposits | 57.0237% | 3,814 |
| Total domestic deposits to total assets | 86.4800% | 2,046 |
| Equity capital to assets | 6.9369% | 3,646 |
| Core capital (leverage) ratio | 13.4888% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4570% | 406 |
| Memoranda: | ||
| Average total assets | $402,350,500 | 2,008 |
| Average earning assets | $364,963,250 | 2,022 |
| Average equity | $32,376,250 | 2,153 |
| Average total loans | $197,443,250 | 2,307 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0805% | 3,526 |
| Cost of funding earning assets | 0.3073% | 4,302 |
| Net interest margin | 3.7731% | 1,675 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 3.2490% | 743 |
| Loan and lease loss provision to assets | -0.0600% | 4,518 |
| Net operating income to assets | 0.8335% | 2,978 |
| Return on assets (ROA) | 0.8335% | 2,989 |
| Pretax return on assets | 0.8911% | 3,190 |
| Return on Equity (ROE) | 9.9200% | 2,722 |
| Retained earnings to average equity (ytd only) | 1.2012% | 3,877 |
| Net charge-offs to loans | 0.0020% | 2,304 |
| Credit loss provision to net charge-offs | -6,050.0000% | 4,661 |
| Earnings coverage of net charge-offs (x) | 844.5000% | 176 |
| Efficiency ratio | 79.6211% | 862 |
| Assets per employee ($millions) | 5.1553% | 3,450 |
| Cash dividends to net income (ytd only)* | 87.8913% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 4,152 |
| Loan loss allowance to noncurrent loans | 3,620.5128% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 3,753 |
| Noncurrent loans to loans | 0.0199% | 3,617 |
| Net loans and leases to total assets | 48.4000% | 3,663 |
| Net loans and leases to deposits | 57.0227% | 3,587 |
| Net loans and leases to core deposits | 57.0227% | 3,767 |
| Total domestic deposits to total assets | 84.8800% | 2,577 |
| Equity capital to assets | 8.5359% | 2,836 |
| Core capital (leverage) ratio | 13.3147% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3553% | 417 |
| Memoranda: | ||
| Average total assets | $406,217,667 | 1,993 |
| Average earning assets | $369,613,667 | 2,013 |
| Average equity | $34,133,000 | 2,087 |
| Average total loans | $198,640,333 | 2,299 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0614% | 3,344 |
| Cost of funding earning assets | 0.2710% | 4,254 |
| Net interest margin | 3.7904% | 1,707 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 3.2185% | 777 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8298% | 3,092 |
| Return on assets (ROA) | 0.8298% | 3,047 |
| Pretax return on assets | 0.8896% | 3,272 |
| Return on Equity (ROE) | 9.9500% | 2,798 |
| Retained earnings to average equity (ytd only) | 1.2104% | 3,837 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.3449% | 971 |
| Assets per employee ($millions) | 5.3742% | 3,344 |
| Cash dividends to net income (ytd only)* | 87.8394% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7734% | 4,132 |
| Loan loss allowance to noncurrent loans | 1,311.9658% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 3,498 |
| Noncurrent loans to loans | 0.0590% | 3,312 |
| Net loans and leases to total assets | 48.2200% | 3,612 |
| Net loans and leases to deposits | 56.1124% | 3,567 |
| Net loans and leases to core deposits | 56.1124% | 3,734 |
| Total domestic deposits to total assets | 85.9300% | 2,614 |
| Equity capital to assets | 8.7805% | 2,673 |
| Core capital (leverage) ratio | 13.1447% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7371% | 450 |
| Memoranda: | ||
| Average total assets | $408,269,500 | 2,012 |
| Average earning assets | $371,987,500 | 2,029 |
| Average equity | $34,037,500 | 2,122 |
| Average total loans | $199,945,000 | 2,304 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 2,211 |
| Cost of funding earning assets | 0.0991% | 4,395 |
| Net interest margin | 3.7248% | 1,322 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 3.0388% | 912 |
| Loan and lease loss provision to assets | -0.1300% | 4,576 |
| Net operating income to assets | 0.8952% | 2,981 |
| Return on assets (ROA) | 0.8928% | 2,924 |
| Pretax return on assets | 0.9503% | 3,219 |
| Return on Equity (ROE) | 9.0100% | 3,130 |
| Retained earnings to average equity (ytd only) | 2.0736% | 3,957 |
| Net charge-offs to loans | -0.0014% | 3,394 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.6829% | 808 |
| Assets per employee ($millions) | 5.3698% | 3,350 |
| Cash dividends to net income (ytd only)* | 76.9728% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7621% | 4,112 |
| Loan loss allowance to noncurrent loans | 1,705.5556% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,623 |
| Noncurrent loans to loans | 0.0447% | 3,439 |
| Net loans and leases to total assets | 48.9800% | 3,589 |
| Net loans and leases to deposits | 54.3967% | 3,658 |
| Net loans and leases to core deposits | 54.3967% | 3,793 |
| Total domestic deposits to total assets | 90.0400% | 1,349 |
| Equity capital to assets | 7.8931% | 3,126 |
| Core capital (leverage) ratio | 13.0237% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3392% | 455 |
| Memoranda: | ||
| Average total assets | $432,898,200 | 1,914 |
| Average earning assets | $396,395,200 | 1,929 |
| Average equity | $42,919,800 | 1,827 |
| Average total loans | $208,512,400 | 2,175 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 1,822 |
| Cost of funding earning assets | 0.0798% | 4,418 |
| Net interest margin | 3.6973% | 1,143 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 3.0082% | 895 |
| Loan and lease loss provision to assets | -0.1700% | 4,653 |
| Net operating income to assets | 0.7844% | 3,316 |
| Return on assets (ROA) | 0.7813% | 3,275 |
| Pretax return on assets | 0.8308% | 3,508 |
| Return on Equity (ROE) | 7.5200% | 3,458 |
| Retained earnings to average equity (ytd only) | 1.0000% | 4,213 |
| Net charge-offs to loans | -0.0044% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.9234% | 656 |
| Assets per employee ($millions) | 5.4948% | 3,226 |
| Cash dividends to net income (ytd only)* | 86.7081% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 4,157 |
| Loan loss allowance to noncurrent loans | 1,710.0000% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 982 |
| Noncurrent loans to loans | 0.0446% | 3,571 |
| Net loans and leases to total assets | 48.5700% | 3,573 |
| Net loans and leases to deposits | 54.1620% | 3,589 |
| Net loans and leases to core deposits | 54.2067% | 3,731 |
| Total domestic deposits to total assets | 89.6800% | 1,793 |
| Equity capital to assets | 7.2202% | 3,394 |
| Core capital (leverage) ratio | 12.6754% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6508% | 519 |
| Memoranda: | ||
| Average total assets | $439,097,500 | 1,896 |
| Average earning assets | $402,665,250 | 1,915 |
| Average equity | $45,596,750 | 1,760 |
| Average total loans | $210,284,500 | 2,165 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6864% | 1,569 |
| Cost of funding earning assets | 0.0590% | 4,538 |
| Net interest margin | 3.6274% | 1,029 |
| Noninterest income to average assets | 0.5588% | 1,907 |
| Noninterest expense to average assets | 2.9851% | 861 |
| Loan and lease loss provision to assets | 0.0062% | 2,488 |
| Net operating income to assets | 0.8459% | 2,797 |
| Return on assets (ROA) | 0.8418% | 2,783 |
| Pretax return on assets | 0.9101% | 3,029 |
| Return on Equity (ROE) | 7.4139% | 3,181 |
| Retained earnings to average equity (ytd only) | 1.5645% | 3,869 |
| Net charge-offs to loans | -0.0075% | 3,475 |
| Credit loss provision to net charge-offs | -175.0000% | 3,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4256% | 1,232 |
| Assets per employee ($millions) | 5.5418% | 3,184 |
| Cash dividends to net income (ytd only)* | 78.8971% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 3,537 |
| Loan loss allowance to noncurrent loans | 2,324.1758% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 690 |
| Noncurrent loans to loans | 0.0437% | 3,617 |
| Net loans and leases to total assets | 48.3334% | 3,524 |
| Net loans and leases to deposits | 55.0206% | 3,464 |
| Net loans and leases to core deposits | 55.1690% | 3,636 |
| Total domestic deposits to total assets | 87.8460% | 2,633 |
| Equity capital to assets | 8.7808% | 2,550 |
| Core capital (leverage) ratio | 12.6260% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5498% | 503 |
| Memoranda: | ||
| Average total assets | $448,094,000 | 1,880 |
| Average earning assets | $413,464,000 | 1,901 |
| Average equity | $50,877,333 | 1,654 |
| Average total loans | $213,141,333 | 2,152 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 1,561 |
| Cost of funding earning assets | 0.0526% | 4,583 |
| Net interest margin | 3.5280% | 1,034 |
| Noninterest income to average assets | 0.6312% | 1,564 |
| Noninterest expense to average assets | 3.0106% | 805 |
| Loan and lease loss provision to assets | 0.0122% | 2,123 |
| Net operating income to assets | 0.8168% | 2,607 |
| Return on assets (ROA) | 0.8152% | 2,601 |
| Pretax return on assets | 0.8806% | 2,851 |
| Return on Equity (ROE) | 6.4951% | 3,193 |
| Retained earnings to average equity (ytd only) | 1.3268% | 3,740 |
| Net charge-offs to loans | -0.0148% | 3,765 |
| Credit loss provision to net charge-offs | -175.0000% | 2,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0931% | 1,398 |
| Assets per employee ($millions) | 5.7905% | 3,015 |
| Cash dividends to net income (ytd only)* | 79.5722% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 3,780 |
| Loan loss allowance to noncurrent loans | 2,298.9130% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 724 |
| Noncurrent loans to loans | 0.0429% | 3,673 |
| Net loans and leases to total assets | 47.6169% | 3,425 |
| Net loans and leases to deposits | 54.4723% | 3,379 |
| Net loans and leases to core deposits | 56.1173% | 3,439 |
| Total domestic deposits to total assets | 87.4149% | 2,779 |
| Equity capital to assets | 11.3005% | 1,193 |
| Core capital (leverage) ratio | 11.8979% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4499% | 604 |
| Memoranda: | ||
| Average total assets | $458,782,500 | 1,860 |
| Average earning assets | $425,738,000 | 1,867 |
| Average equity | $57,581,500 | 1,535 |
| Average total loans | $215,531,000 | 2,130 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4909% | 2,685 |
| Cost of funding earning assets | 0.0549% | 4,665 |
| Net interest margin | 3.4361% | 1,914 |
| Noninterest income to average assets | 0.7507% | 1,594 |
| Noninterest expense to average assets | 2.8823% | 1,190 |
| Loan and lease loss provision to assets | 0.1234% | 991 |
| Net operating income to assets | 0.8190% | 3,275 |
| Return on assets (ROA) | 1.1064% | 2,334 |
| Pretax return on assets | 1.2816% | 2,414 |
| Return on Equity (ROE) | 7.4437% | 3,392 |
| Retained earnings to average equity (ytd only) | -1.3626% | 4,594 |
| Net charge-offs to loans | 0.1933% | 505 |
| Credit loss provision to net charge-offs | 122.7679% | 1,631 |
| Earnings coverage of net charge-offs (x) | 10.6563% | 2,199 |
| Efficiency ratio | 72.9135% | 1,417 |
| Assets per employee ($millions) | 6.1259% | 2,637 |
| Cash dividends to net income (ytd only)* | 118.3053% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 3,889 |
| Loan loss allowance to noncurrent loans | 2,226.5957% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.7405% | 834 |
| Noncurrent loans to loans | 0.0434% | 3,764 |
| Net loans and leases to total assets | 45.4838% | 3,725 |
| Net loans and leases to deposits | 53.2621% | 3,644 |
| Net loans and leases to core deposits | 54.8166% | 3,701 |
| Total domestic deposits to total assets | 85.3962% | 3,137 |
| Equity capital to assets | 13.7762% | 710 |
| Core capital (leverage) ratio | 12.7382% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7046% | 514 |
| Memoranda: | ||
| Average total assets | $445,863,000 | 1,851 |
| Average earning assets | $415,531,600 | 1,851 |
| Average equity | $66,271,200 | 1,408 |
| Average total loans | $231,821,600 | 2,040 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5720% | 2,631 |
| Cost of funding earning assets | 0.0563% | 4,751 |
| Net interest margin | 3.5157% | 1,824 |
| Noninterest income to average assets | 0.6442% | 2,032 |
| Noninterest expense to average assets | 2.8602% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9022% | 3,248 |
| Return on assets (ROA) | 0.9112% | 3,283 |
| Pretax return on assets | 1.0711% | 3,268 |
| Return on Equity (ROE) | 6.0124% | 3,913 |
| Retained earnings to average equity (ytd only) | -4.1825% | 4,771 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9510% | 1,315 |
| Assets per employee ($millions) | 5.9936% | 2,704 |
| Cash dividends to net income (ytd only)* | 169.5638% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 4,167 |
| Loan loss allowance to noncurrent loans | 48.3018% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 725 |
| Noncurrent loans to loans | 1.8483% | 511 |
| Net loans and leases to total assets | 49.1687% | 3,508 |
| Net loans and leases to deposits | 58.1607% | 3,394 |
| Net loans and leases to core deposits | 59.9625% | 3,469 |
| Total domestic deposits to total assets | 84.5394% | 3,285 |
| Equity capital to assets | 14.5641% | 629 |
| Core capital (leverage) ratio | 12.6928% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5933% | 450 |
| Memoranda: | ||
| Average total assets | $439,404,250 | 1,892 |
| Average earning assets | $409,503,000 | 1,887 |
| Average equity | $66,593,500 | 1,417 |
| Average total loans | $235,617,250 | 2,056 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6282% | 2,537 |
| Cost of funding earning assets | 0.0565% | 4,796 |
| Net interest margin | 3.5716% | 1,659 |
| Noninterest income to average assets | 0.6477% | 2,011 |
| Noninterest expense to average assets | 2.8828% | 1,175 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9329% | 3,121 |
| Return on assets (ROA) | 0.9508% | 3,147 |
| Pretax return on assets | 1.1183% | 3,152 |
| Return on Equity (ROE) | 6.1910% | 3,860 |
| Retained earnings to average equity (ytd only) | -6.7972% | 4,825 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4329% | 1,389 |
| Assets per employee ($millions) | 5.6156% | 2,998 |
| Cash dividends to net income (ytd only)* | 209.7926% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,285 |
| Loan loss allowance to noncurrent loans | 47.5406% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 826 |
| Noncurrent loans to loans | 1.7857% | 586 |
| Net loans and leases to total assets | 51.7626% | 3,369 |
| Net loans and leases to deposits | 61.1659% | 3,287 |
| Net loans and leases to core deposits | 63.0597% | 3,373 |
| Total domestic deposits to total assets | 84.6267% | 3,251 |
| Equity capital to assets | 14.4696% | 624 |
| Core capital (leverage) ratio | 12.7809% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8457% | 491 |
| Memoranda: | ||
| Average total assets | $436,031,667 | 1,894 |
| Average earning assets | $406,818,333 | 1,892 |
| Average equity | $66,968,333 | 1,403 |
| Average total loans | $239,818,000 | 2,033 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 2,287 |
| Cost of funding earning assets | 0.0569% | 4,835 |
| Net interest margin | 3.6740% | 1,393 |
| Noninterest income to average assets | 0.6530% | 2,018 |
| Noninterest expense to average assets | 2.9323% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9791% | 2,872 |
| Return on assets (ROA) | 0.9799% | 2,966 |
| Pretax return on assets | 1.1476% | 2,996 |
| Return on Equity (ROE) | 6.1927% | 3,809 |
| Retained earnings to average equity (ytd only) | 1.8131% | 4,050 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8886% | 1,509 |
| Assets per employee ($millions) | 5.4896% | 3,126 |
| Cash dividends to net income (ytd only)* | 70.7224% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8165% | 4,370 |
| Loan loss allowance to noncurrent loans | 47.5179% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 0.9661% | 858 |
| Noncurrent loans to loans | 1.7183% | 703 |
| Net loans and leases to total assets | 55.7670% | 3,071 |
| Net loans and leases to deposits | 66.5886% | 2,855 |
| Net loans and leases to core deposits | 68.7491% | 2,992 |
| Total domestic deposits to total assets | 83.7487% | 3,508 |
| Equity capital to assets | 15.3850% | 453 |
| Core capital (leverage) ratio | 13.8890% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4356% | 487 |
| Memoranda: | ||
| Average total assets | $429,425,000 | 1,903 |
| Average earning assets | $400,432,000 | 1,900 |
| Average equity | $67,950,500 | 1,380 |
| Average total loans | $242,461,000 | 2,011 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 2,434 |
| Cost of funding earning assets | 0.1403% | 4,759 |
| Net interest margin | 3.9544% | 1,078 |
| Noninterest income to average assets | 0.7996% | 1,532 |
| Noninterest expense to average assets | 2.9456% | 1,555 |
| Loan and lease loss provision to assets | 0.0945% | 3,163 |
| Net operating income to assets | 1.2362% | 1,426 |
| Return on assets (ROA) | 1.3509% | 1,217 |
| Pretax return on assets | 1.5534% | 1,188 |
| Return on Equity (ROE) | 8.7522% | 2,494 |
| Retained earnings to average equity (ytd only) | 4.1978% | 2,711 |
| Net charge-offs to loans | -0.0884% | 4,786 |
| Credit loss provision to net charge-offs | -184.3318% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0205% | 2,527 |
| Assets per employee ($millions) | 5.3146% | 3,035 |
| Cash dividends to net income (ytd only)* | 52.0378% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 4,365 |
| Loan loss allowance to noncurrent loans | 47.5066% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 0.9857% | 972 |
| Noncurrent loans to loans | 1.7384% | 724 |
| Net loans and leases to total assets | 56.2339% | 3,277 |
| Net loans and leases to deposits | 68.0390% | 3,072 |
| Net loans and leases to core deposits | 70.3232% | 3,232 |
| Total domestic deposits to total assets | 82.6495% | 3,507 |
| Equity capital to assets | 16.2709% | 403 |
| Core capital (leverage) ratio | 14.1903% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3312% | 487 |
| Memoranda: | ||
| Average total assets | $423,200,400 | 1,789 |
| Average earning assets | $391,914,000 | 1,792 |
| Average equity | $65,320,600 | 1,368 |
| Average total loans | $245,529,600 | 1,940 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1701% | 2,467 |
| Cost of funding earning assets | 0.1655% | 4,762 |
| Net interest margin | 4.0046% | 1,106 |
| Noninterest income to average assets | 0.8494% | 1,351 |
| Noninterest expense to average assets | 2.9391% | 1,592 |
| Loan and lease loss provision to assets | 0.6624% | 349 |
| Net operating income to assets | 0.8691% | 2,828 |
| Return on assets (ROA) | 1.0150% | 2,409 |
| Pretax return on assets | 1.1074% | 2,719 |
| Return on Equity (ROE) | 6.6669% | 3,320 |
| Retained earnings to average equity (ytd only) | 2.0448% | 3,918 |
| Net charge-offs to loans | -0.1595% | 4,898 |
| Credit loss provision to net charge-offs | -711.8644% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5917% | 2,647 |
| Assets per employee ($millions) | 5.3018% | 2,892 |
| Cash dividends to net income (ytd only)* | 69.3288% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 1,434 |
| Loan loss allowance to noncurrent loans | 1,416.9173% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 4,124 |
| Noncurrent loans to loans | 0.1047% | 3,947 |
| Net loans and leases to total assets | 59.0049% | 3,324 |
| Net loans and leases to deposits | 72.0034% | 3,129 |
| Net loans and leases to core deposits | 75.6863% | 3,197 |
| Total domestic deposits to total assets | 81.9474% | 3,434 |
| Equity capital to assets | 15.8956% | 480 |
| Core capital (leverage) ratio | 13.6575% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8614% | 596 |
| Memoranda: | ||
| Average total assets | $422,708,250 | 1,765 |
| Average earning assets | $390,642,000 | 1,775 |
| Average equity | $64,356,000 | 1,370 |
| Average total loans | $246,642,000 | 1,939 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1996% | 2,764 |
| Cost of funding earning assets | 0.2110% | 4,736 |
| Net interest margin | 3.9886% | 1,352 |
| Noninterest income to average assets | 0.9658% | 1,044 |
| Noninterest expense to average assets | 2.9562% | 1,697 |
| Loan and lease loss provision to assets | 0.1895% | 2,130 |
| Net operating income to assets | 1.3360% | 1,260 |
| Return on assets (ROA) | 1.5489% | 922 |
| Pretax return on assets | 1.7479% | 897 |
| Return on Equity (ROE) | 10.3261% | 1,876 |
| Retained earnings to average equity (ytd only) | 5.6272% | 2,223 |
| Net charge-offs to loans | -0.2416% | 4,959 |
| Credit loss provision to net charge-offs | -135.5932% | 3,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5152% | 2,880 |
| Assets per employee ($millions) | 4.8990% | 3,303 |
| Cash dividends to net income (ytd only)* | 45.5046% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8116% | 4,317 |
| Loan loss allowance to noncurrent loans | 1,019.2118% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 4,294 |
| Noncurrent loans to loans | 0.0796% | 4,138 |
| Net loans and leases to total assets | 58.6537% | 3,453 |
| Net loans and leases to deposits | 73.2962% | 3,140 |
| Net loans and leases to core deposits | 77.3814% | 3,164 |
| Total domestic deposits to total assets | 80.0228% | 3,829 |
| Equity capital to assets | 15.3709% | 559 |
| Core capital (leverage) ratio | 13.6615% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5017% | 626 |
| Memoranda: | ||
| Average total assets | $422,230,000 | 1,741 |
| Average earning assets | $390,462,667 | 1,755 |
| Average equity | $63,334,667 | 1,376 |
| Average total loans | $244,178,000 | 1,941 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2100% | 3,181 |
| Cost of funding earning assets | 0.2894% | 4,688 |
| Net interest margin | 3.9206% | 1,602 |
| Noninterest income to average assets | 1.3548% | 488 |
| Noninterest expense to average assets | 3.0867% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7368% | 469 |
| Return on assets (ROA) | 1.7377% | 519 |
| Pretax return on assets | 1.8880% | 581 |
| Return on Equity (ROE) | 11.7345% | 1,184 |
| Retained earnings to average equity (ytd only) | 6.9243% | 1,566 |
| Net charge-offs to loans | -0.4841% | 5,023 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0597% | 3,491 |
| Assets per employee ($millions) | 4.4283% | 3,367 |
| Cash dividends to net income (ytd only)* | 40.9917% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 4,615 |
| Loan loss allowance to noncurrent loans | 819.2118% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 4,356 |
| Noncurrent loans to loans | 0.0849% | 4,170 |
| Net loans and leases to total assets | 57.0627% | 3,750 |
| Net loans and leases to deposits | 72.7445% | 3,383 |
| Net loans and leases to core deposits | 78.5704% | 3,309 |
| Total domestic deposits to total assets | 78.4427% | 4,149 |
| Equity capital to assets | 14.6701% | 842 |
| Core capital (leverage) ratio | 13.7423% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7846% | 666 |
| Memoranda: | ||
| Average total assets | $417,789,000 | 1,715 |
| Average earning assets | $385,654,500 | 1,722 |
| Average equity | $61,869,000 | 1,389 |
| Average total loans | $238,801,000 | 1,934 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 3,511 |
| Cost of funding earning assets | 0.4065% | 4,425 |
| Net interest margin | 3.9040% | 2,164 |
| Noninterest income to average assets | 0.6681% | 1,932 |
| Noninterest expense to average assets | 3.0356% | 1,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0984% | 2,451 |
| Return on assets (ROA) | 1.1127% | 2,484 |
| Pretax return on assets | 1.2442% | 2,687 |
| Return on Equity (ROE) | 7.5018% | 3,370 |
| Retained earnings to average equity (ytd only) | -4.0653% | 4,952 |
| Net charge-offs to loans | -0.0108% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1960% | 1,990 |
| Assets per employee ($millions) | 4.3679% | 3,416 |
| Cash dividends to net income (ytd only)* | 154.1905% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5763% | 4,781 |
| Loan loss allowance to noncurrent loans | 610.6667% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 4,363 |
| Noncurrent loans to loans | 0.0944% | 4,148 |
| Net loans and leases to total assets | 56.5289% | 3,884 |
| Net loans and leases to deposits | 71.3210% | 3,562 |
| Net loans and leases to core deposits | 76.9251% | 3,518 |
| Total domestic deposits to total assets | 79.2597% | 4,133 |
| Equity capital to assets | 14.9463% | 810 |
| Core capital (leverage) ratio | 13.2622% | 1,131 |
| Tier 1 risk-based capital ratio | 20.7979% | 1,205 |
| Total risk-based capital ratio | 21.3179% | 1,290 |
| Memoranda: | ||
| Average total assets | $423,569,600 | 1,656 |
| Average earning assets | $390,114,200 | 1,661 |
| Average equity | $62,824,800 | 1,336 |
| Average total loans | $232,501,400 | 1,941 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 3,624 |
| Cost of funding earning assets | 0.4297% | 4,400 |
| Net interest margin | 3.8812% | 2,324 |
| Noninterest income to average assets | 0.6744% | 1,893 |
| Noninterest expense to average assets | 3.0225% | 1,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1025% | 2,556 |
| Return on assets (ROA) | 1.1005% | 2,660 |
| Pretax return on assets | 1.2205% | 2,916 |
| Return on Equity (ROE) | 7.4340% | 3,532 |
| Retained earnings to average equity (ytd only) | -3.3660% | 5,007 |
| Net charge-offs to loans | -0.0144% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1982% | 1,942 |
| Assets per employee ($millions) | 4.4949% | 3,214 |
| Cash dividends to net income (ytd only)* | 145.2780% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5780% | 4,860 |
| Loan loss allowance to noncurrent loans | 607.9646% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 4,450 |
| Noncurrent loans to loans | 0.0951% | 4,223 |
| Net loans and leases to total assets | 54.7713% | 4,113 |
| Net loans and leases to deposits | 72.4564% | 3,593 |
| Net loans and leases to core deposits | 77.6743% | 3,578 |
| Total domestic deposits to total assets | 75.5921% | 4,686 |
| Equity capital to assets | 15.1117% | 822 |
| Core capital (leverage) ratio | 13.5062% | 1,126 |
| Tier 1 risk-based capital ratio | 20.8904% | 1,206 |
| Total risk-based capital ratio | 21.4037% | 1,309 |
| Memoranda: | ||
| Average total assets | $424,633,250 | 1,658 |
| Average earning assets | $390,663,500 | 1,673 |
| Average equity | $62,863,000 | 1,325 |
| Average total loans | $231,024,750 | 1,963 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 3,535 |
| Cost of funding earning assets | 0.4553% | 4,305 |
| Net interest margin | 3.8776% | 2,317 |
| Noninterest income to average assets | 0.6530% | 1,906 |
| Noninterest expense to average assets | 3.0790% | 1,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0501% | 2,724 |
| Return on assets (ROA) | 1.0470% | 2,807 |
| Pretax return on assets | 1.1436% | 3,099 |
| Return on Equity (ROE) | 7.1229% | 3,628 |
| Retained earnings to average equity (ytd only) | 2.3292% | 4,010 |
| Net charge-offs to loans | -0.0219% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8597% | 1,798 |
| Assets per employee ($millions) | 4.3940% | 3,295 |
| Cash dividends to net income (ytd only)* | 67.2999% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5962% | 4,885 |
| Loan loss allowance to noncurrent loans | 607.9646% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 4,498 |
| Noncurrent loans to loans | 0.0981% | 4,238 |
| Net loans and leases to total assets | 53.7502% | 4,229 |
| Net loans and leases to deposits | 72.2590% | 3,667 |
| Net loans and leases to core deposits | 77.8877% | 3,590 |
| Total domestic deposits to total assets | 74.3854% | 4,807 |
| Equity capital to assets | 15.2170% | 766 |
| Core capital (leverage) ratio | 14.0132% | 956 |
| Tier 1 risk-based capital ratio | 22.0503% | 1,046 |
| Total risk-based capital ratio | 22.5705% | 1,120 |
| Memoranda: | ||
| Average total assets | $422,342,000 | 1,672 |
| Average earning assets | $389,157,000 | 1,682 |
| Average equity | $62,081,330 | 1,331 |
| Average total loans | $228,794,330 | 1,987 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3774% | 3,311 |
| Cost of funding earning assets | 0.4538% | 4,270 |
| Net interest margin | 3.9237% | 2,117 |
| Noninterest income to average assets | 0.6689% | 1,732 |
| Noninterest expense to average assets | 3.0932% | 1,748 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1150% | 2,413 |
| Return on assets (ROA) | 1.1123% | 2,471 |
| Pretax return on assets | 1.1846% | 2,861 |
| Return on Equity (ROE) | 7.7043% | 3,377 |
| Retained earnings to average equity (ytd only) | 2.8010% | 3,820 |
| Net charge-offs to loans | 0.0158% | 2,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 138.6667% | 538 |
| Efficiency ratio | 72.2605% | 1,994 |
| Assets per employee ($millions) | 4.4362% | 3,278 |
| Cash dividends to net income (ytd only)* | 63.6441% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5873% | 4,956 |
| Loan loss allowance to noncurrent loans | 295.1542% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 4,266 |
| Noncurrent loans to loans | 0.1990% | 3,881 |
| Net loans and leases to total assets | 53.8216% | 4,219 |
| Net loans and leases to deposits | 70.4615% | 3,737 |
| Net loans and leases to core deposits | 75.8609% | 3,670 |
| Total domestic deposits to total assets | 76.3844% | 4,719 |
| Equity capital to assets | 14.7306% | 816 |
| Core capital (leverage) ratio | 13.9326% | 975 |
| Tier 1 risk-based capital ratio | 22.1634% | 1,035 |
| Total risk-based capital ratio | 22.6760% | 1,097 |
| Memoranda: | ||
| Average total assets | $420,402,000 | 1,683 |
| Average earning assets | $386,984,500 | 1,701 |
| Average equity | $60,693,000 | 1,361 |
| Average total loans | $227,957,000 | 2,007 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2664% | 3,223 |
| Cost of funding earning assets | 0.3198% | 4,468 |
| Net interest margin | 3.9466% | 2,172 |
| Noninterest income to average assets | 0.6807% | 1,928 |
| Noninterest expense to average assets | 3.1409% | 1,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0775% | 2,685 |
| Return on assets (ROA) | 1.0750% | 2,686 |
| Pretax return on assets | 1.1633% | 3,049 |
| Return on Equity (ROE) | 7.4364% | 3,680 |
| Retained earnings to average equity (ytd only) | 2.3588% | 4,199 |
| Net charge-offs to loans | -0.0457% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9262% | 1,779 |
| Assets per employee ($millions) | 4.3684% | 3,351 |
| Cash dividends to net income (ytd only)* | 68.2809% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5923% | 4,982 |
| Loan loss allowance to noncurrent loans | 342.3858% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 4,302 |
| Noncurrent loans to loans | 0.1730% | 3,975 |
| Net loans and leases to total assets | 53.9863% | 4,279 |
| Net loans and leases to deposits | 69.4645% | 3,865 |
| Net loans and leases to core deposits | 74.7171% | 3,802 |
| Total domestic deposits to total assets | 77.7178% | 4,533 |
| Equity capital to assets | 14.1417% | 926 |
| Core capital (leverage) ratio | 13.7537% | 995 |
| Tier 1 risk-based capital ratio | 21.7923% | 1,056 |
| Total risk-based capital ratio | 22.3067% | 1,137 |
| Memoranda: | ||
| Average total assets | $405,300,200 | 1,692 |
| Average earning assets | $372,399,400 | 1,713 |
| Average equity | $58,589,800 | 1,346 |
| Average total loans | $216,655,400 | 2,054 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 3,168 |
| Cost of funding earning assets | 0.2736% | 4,663 |
| Net interest margin | 3.9694% | 2,055 |
| Noninterest income to average assets | 0.6936% | 1,890 |
| Noninterest expense to average assets | 3.1482% | 1,651 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0702% | 2,780 |
| Return on assets (ROA) | 1.0669% | 2,815 |
| Pretax return on assets | 1.1867% | 3,042 |
| Return on Equity (ROE) | 7.3386% | 3,805 |
| Retained earnings to average equity (ytd only) | 2.2438% | 4,483 |
| Net charge-offs to loans | -0.0611% | 5,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5639% | 1,800 |
| Assets per employee ($millions) | 4.3940% | 3,283 |
| Cash dividends to net income (ytd only)* | 69.4247% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5961% | 5,047 |
| Loan loss allowance to noncurrent loans | 304.9774% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 4,446 |
| Noncurrent loans to loans | 0.1955% | 4,008 |
| Net loans and leases to total assets | 53.2891% | 4,403 |
| Net loans and leases to deposits | 68.9192% | 3,993 |
| Net loans and leases to core deposits | 74.1264% | 3,938 |
| Total domestic deposits to total assets | 77.3211% | 4,586 |
| Equity capital to assets | 13.5648% | 1,116 |
| Core capital (leverage) ratio | 13.6001% | 1,063 |
| Tier 1 risk-based capital ratio | 21.1248% | 1,168 |
| Total risk-based capital ratio | 21.6296% | 1,242 |
| Memoranda: | ||
| Average total assets | $401,784,750 | 1,712 |
| Average earning assets | $368,949,750 | 1,731 |
| Average equity | $58,411,000 | 1,353 |
| Average total loans | $213,882,500 | 2,077 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 3,132 |
| Cost of funding earning assets | 0.2189% | 4,927 |
| Net interest margin | 3.9748% | 1,941 |
| Noninterest income to average assets | 0.7163% | 1,810 |
| Noninterest expense to average assets | 3.2057% | 1,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0483% | 2,816 |
| Return on assets (ROA) | 1.0483% | 2,810 |
| Pretax return on assets | 1.1683% | 3,056 |
| Return on Equity (ROE) | 7.0432% | 3,887 |
| Retained earnings to average equity (ytd only) | 1.9827% | 4,466 |
| Net charge-offs to loans | -0.0372% | 4,815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2901% | 1,804 |
| Assets per employee ($millions) | 4.2274% | 3,536 |
| Cash dividends to net income (ytd only)* | 71.8493% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6058% | 5,100 |
| Loan loss allowance to noncurrent loans | 287.7232% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.1093% | 4,448 |
| Noncurrent loans to loans | 0.2106% | 3,969 |
| Net loans and leases to total assets | 51.5732% | 4,501 |
| Net loans and leases to deposits | 66.8734% | 4,112 |
| Net loans and leases to core deposits | 71.3670% | 4,055 |
| Total domestic deposits to total assets | 77.1207% | 4,722 |
| Equity capital to assets | 14.2344% | 873 |
| Core capital (leverage) ratio | 14.2837% | 829 |
| Tier 1 risk-based capital ratio | 21.7397% | 1,072 |
| Total risk-based capital ratio | 22.2367% | 1,149 |
| Memoranda: | ||
| Average total assets | $395,106,330 | 1,750 |
| Average earning assets | $363,590,330 | 1,761 |
| Average equity | $58,808,330 | 1,349 |
| Average total loans | $209,799,330 | 2,105 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 2,870 |
| Cost of funding earning assets | 0.1783% | 5,123 |
| Net interest margin | 4.0256% | 1,638 |
| Noninterest income to average assets | 0.7626% | 1,577 |
| Noninterest expense to average assets | 3.2794% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0649% | 2,586 |
| Return on assets (ROA) | 1.0649% | 2,598 |
| Pretax return on assets | 1.1877% | 2,811 |
| Return on Equity (ROE) | 6.9933% | 3,786 |
| Retained earnings to average equity (ytd only) | 1.9516% | 4,360 |
| Net charge-offs to loans | -0.0749% | 5,129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4119% | 1,980 |
| Assets per employee ($millions) | 4.1515% | 3,723 |
| Cash dividends to net income (ytd only)* | 72.0930% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6228% | 5,144 |
| Loan loss allowance to noncurrent loans | 257.8000% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 4,444 |
| Noncurrent loans to loans | 0.2416% | 3,903 |
| Net loans and leases to total assets | 52.7064% | 4,390 |
| Net loans and leases to deposits | 65.1725% | 4,140 |
| Net loans and leases to core deposits | 69.5615% | 4,106 |
| Total domestic deposits to total assets | 80.8721% | 4,231 |
| Equity capital to assets | 14.9322% | 691 |
| Core capital (leverage) ratio | 14.6487% | 730 |
| Tier 1 risk-based capital ratio | 22.4320% | 999 |
| Total risk-based capital ratio | 22.9476% | 1,070 |
| Memoranda: | ||
| Average total assets | $387,631,500 | 1,787 |
| Average earning assets | $356,718,000 | 1,802 |
| Average equity | $59,028,000 | 1,350 |
| Average total loans | $208,315,000 | 2,133 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1677% | 2,811 |
| Cost of funding earning assets | 0.1992% | 4,954 |
| Net interest margin | 3.9685% | 1,851 |
| Noninterest income to average assets | 0.6986% | 1,974 |
| Noninterest expense to average assets | 3.1068% | 1,844 |
| Loan and lease loss provision to assets | 0.1990% | 1,042 |
| Net operating income to assets | 1.5124% | 779 |
| Return on assets (ROA) | 1.7057% | 535 |
| Pretax return on assets | 1.2432% | 2,580 |
| Return on Equity (ROE) | 11.8951% | 1,236 |
| Retained earnings to average equity (ytd only) | 5.4427% | 1,848 |
| Net charge-offs to loans | 0.4126% | 604 |
| Credit loss provision to net charge-offs | 92.1659% | 2,746 |
| Earnings coverage of net charge-offs (x) | 5.7834% | 3,272 |
| Efficiency ratio | 71.3274% | 2,330 |
| Assets per employee ($millions) | 4.0107% | 3,941 |
| Cash dividends to net income (ytd only)* | 54.2445% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5962% | 5,254 |
| Loan loss allowance to noncurrent loans | 305.6235% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 4,603 |
| Noncurrent loans to loans | 0.1951% | 4,135 |
| Net loans and leases to total assets | 54.1291% | 4,348 |
| Net loans and leases to deposits | 65.4872% | 4,225 |
| Net loans and leases to core deposits | 68.9338% | 4,238 |
| Total domestic deposits to total assets | 82.6560% | 3,673 |
| Equity capital to assets | 15.5275% | 580 |
| Core capital (leverage) ratio | 14.0703% | 819 |
| Tier 1 risk-based capital ratio | 22.7601% | 939 |
| Total risk-based capital ratio | 23.2752% | 994 |
| Memoranda: | ||
| Average total assets | $401,954,600 | 1,692 |
| Average earning assets | $370,421,200 | 1,703 |
| Average equity | $57,637,200 | 1,366 |
| Average total loans | $210,373,600 | 2,072 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1370% | 2,849 |
| Cost of funding earning assets | 0.2022% | 4,961 |
| Net interest margin | 3.9348% | 1,916 |
| Noninterest income to average assets | 0.6979% | 2,012 |
| Noninterest expense to average assets | 3.0402% | 1,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0895% | 2,136 |
| Return on assets (ROA) | 1.0895% | 2,192 |
| Pretax return on assets | 1.2854% | 2,568 |
| Return on Equity (ROE) | 7.7499% | 3,264 |
| Retained earnings to average equity (ytd only) | 2.5382% | 4,372 |
| Net charge-offs to loans | 0.0184% | 3,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 135.0194% | 574 |
| Efficiency ratio | 70.2838% | 2,492 |
| Assets per employee ($millions) | 4.5595% | 3,033 |
| Cash dividends to net income (ytd only)* | 67.2493% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5989% | 5,325 |
| Loan loss allowance to noncurrent loans | 712.1547% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 5,021 |
| Noncurrent loans to loans | 0.0841% | 4,734 |
| Net loans and leases to total assets | 49.9146% | 4,704 |
| Net loans and leases to deposits | 67.4208% | 4,152 |
| Net loans and leases to core deposits | 70.9803% | 4,185 |
| Total domestic deposits to total assets | 74.0344% | 5,232 |
| Equity capital to assets | 13.7670% | 1,059 |
| Core capital (leverage) ratio | 13.0972% | 1,174 |
| Tier 1 risk-based capital ratio | 20.9288% | 1,209 |
| Total risk-based capital ratio | 21.4222% | 1,298 |
| Memoranda: | ||
| Average total assets | $406,186,750 | 1,692 |
| Average earning assets | $374,494,000 | 1,704 |
| Average equity | $57,100,250 | 1,391 |
| Average total loans | $210,551,750 | 2,080 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 2,776 |
| Cost of funding earning assets | 0.1756% | 5,171 |
| Net interest margin | 3.9394% | 1,808 |
| Noninterest income to average assets | 0.7113% | 1,939 |
| Noninterest expense to average assets | 3.0809% | 1,884 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0724% | 2,117 |
| Return on assets (ROA) | 1.0724% | 2,160 |
| Pretax return on assets | 1.2645% | 2,521 |
| Return on Equity (ROE) | 7.5727% | 3,257 |
| Retained earnings to average equity (ytd only) | 2.3023% | 4,301 |
| Net charge-offs to loans | 0.0287% | 2,638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 84.0333% | 744 |
| Efficiency ratio | 70.8992% | 2,527 |
| Assets per employee ($millions) | 4.4272% | 3,224 |
| Cash dividends to net income (ytd only)* | 69.5978% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6049% | 5,370 |
| Loan loss allowance to noncurrent loans | 700.0000% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 5,065 |
| Noncurrent loans to loans | 0.0864% | 4,784 |
| Net loans and leases to total assets | 49.7945% | 4,724 |
| Net loans and leases to deposits | 67.3763% | 4,120 |
| Net loans and leases to core deposits | 70.9716% | 4,167 |
| Total domestic deposits to total assets | 73.9050% | 5,300 |
| Equity capital to assets | 13.8112% | 1,032 |
| Core capital (leverage) ratio | 13.1331% | 1,125 |
| Tier 1 risk-based capital ratio | 20.6802% | 1,249 |
| Total risk-based capital ratio | 21.1712% | 1,348 |
| Memoranda: | ||
| Average total assets | $398,719,000 | 1,727 |
| Average earning assets | $367,825,330 | 1,731 |
| Average equity | $56,465,670 | 1,403 |
| Average total loans | $208,996,330 | 2,094 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0450% | 2,879 |
| Cost of funding earning assets | 0.1272% | 5,516 |
| Net interest margin | 3.9178% | 1,717 |
| Noninterest income to average assets | 0.7532% | 1,735 |
| Noninterest expense to average assets | 3.1403% | 1,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0405% | 2,114 |
| Return on assets (ROA) | 1.0405% | 2,165 |
| Pretax return on assets | 1.2231% | 2,499 |
| Return on Equity (ROE) | 7.2486% | 3,297 |
| Retained earnings to average equity (ytd only) | 1.8718% | 4,375 |
| Net charge-offs to loans | 0.0580% | 1,752 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 39.3000% | 1,049 |
| Efficiency ratio | 71.9686% | 2,584 |
| Assets per employee ($millions) | 4.2605% | 3,568 |
| Cash dividends to net income (ytd only)* | 74.1775% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6064% | 5,468 |
| Loan loss allowance to noncurrent loans | 1,651.2821% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,267 |
| Noncurrent loans to loans | 0.0367% | 5,054 |
| Net loans and leases to total assets | 52.1607% | 4,501 |
| Net loans and leases to deposits | 68.6554% | 3,926 |
| Net loans and leases to core deposits | 72.4018% | 3,954 |
| Total domestic deposits to total assets | 75.9747% | 5,231 |
| Equity capital to assets | 13.8292% | 958 |
| Core capital (leverage) ratio | 14.3179% | 758 |
| Tier 1 risk-based capital ratio | 21.1228% | 1,207 |
| Total risk-based capital ratio | 21.6280% | 1,289 |
| Memoranda: | ||
| Average total assets | $385,574,000 | 1,791 |
| Average earning assets | $355,304,500 | 1,801 |
| Average equity | $55,349,000 | 1,424 |
| Average total loans | $207,035,000 | 2,121 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9536% | 3,369 |
| Cost of funding earning assets | 0.1023% | 5,694 |
| Net interest margin | 3.8513% | 2,131 |
| Noninterest income to average assets | 0.7694% | 1,882 |
| Noninterest expense to average assets | 3.3608% | 1,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8050% | 3,283 |
| Return on assets (ROA) | 1.0707% | 2,138 |
| Pretax return on assets | 1.2702% | 2,398 |
| Return on Equity (ROE) | 7.1288% | 3,401 |
| Retained earnings to average equity (ytd only) | 1.8896% | 4,457 |
| Net charge-offs to loans | 0.1517% | 1,743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 12.4345% | 2,452 |
| Efficiency ratio | 77.8936% | 1,708 |
| Assets per employee ($millions) | 3.7774% | 4,349 |
| Cash dividends to net income (ytd only)* | 73.4931% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6536% | 5,441 |
| Loan loss allowance to noncurrent loans | 1,156.1404% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 5,021 |
| Noncurrent loans to loans | 0.0565% | 5,024 |
| Net loans and leases to total assets | 54.6791% | 4,372 |
| Net loans and leases to deposits | 64.7071% | 4,350 |
| Net loans and leases to core deposits | 68.3229% | 4,371 |
| Total domestic deposits to total assets | 84.5026% | 3,235 |
| Equity capital to assets | 14.9344% | 653 |
| Core capital (leverage) ratio | 14.9261% | 611 |
| Tier 1 risk-based capital ratio | 22.6969% | 996 |
| Total risk-based capital ratio | 23.2551% | 1,054 |
| Memoranda: | ||
| Average total assets | $378,065,400 | 1,776 |
| Average earning assets | $348,012,800 | 1,789 |
| Average equity | $56,783,600 | 1,355 |
| Average total loans | $191,159,400 | 2,197 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9522% | 3,408 |
| Cost of funding earning assets | 0.1080% | 5,732 |
| Net interest margin | 3.8442% | 2,181 |
| Noninterest income to average assets | 0.7458% | 1,984 |
| Noninterest expense to average assets | 3.3520% | 1,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7963% | 3,383 |
| Return on assets (ROA) | 1.1538% | 1,890 |
| Pretax return on assets | 1.3481% | 2,247 |
| Return on Equity (ROE) | 7.6718% | 3,205 |
| Retained earnings to average equity (ytd only) | 2.4781% | 4,437 |
| Net charge-offs to loans | -0.0014% | 4,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2388% | 1,654 |
| Assets per employee ($millions) | 3.6517% | 4,569 |
| Cash dividends to net income (ytd only)* | 67.6980% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8165% | 5,145 |
| Loan loss allowance to noncurrent loans | 252.3511% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 4,757 |
| Noncurrent loans to loans | 0.3236% | 4,096 |
| Net loans and leases to total assets | 52.5067% | 4,616 |
| Net loans and leases to deposits | 63.2818% | 4,541 |
| Net loans and leases to core deposits | 67.0170% | 4,546 |
| Total domestic deposits to total assets | 82.9728% | 3,610 |
| Equity capital to assets | 15.8419% | 577 |
| Core capital (leverage) ratio | 14.8613% | 661 |
| Tier 1 risk-based capital ratio | 23.1353% | 993 |
| Total risk-based capital ratio | 23.8300% | 1,041 |
| Memoranda: | ||
| Average total assets | $380,981,000 | 1,760 |
| Average earning assets | $350,683,250 | 1,773 |
| Average equity | $57,299,500 | 1,347 |
| Average total loans | $188,533,250 | 2,225 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9845% | 3,295 |
| Cost of funding earning assets | 0.1182% | 5,765 |
| Net interest margin | 3.8662% | 2,100 |
| Noninterest income to average assets | 0.7295% | 2,007 |
| Noninterest expense to average assets | 3.4073% | 1,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7541% | 3,528 |
| Return on assets (ROA) | 1.2803% | 1,442 |
| Pretax return on assets | 1.5023% | 1,669 |
| Return on Equity (ROE) | 8.6620% | 2,663 |
| Retained earnings to average equity (ytd only) | 3.4161% | 3,719 |
| Net charge-offs to loans | -0.0011% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4146% | 1,574 |
| Assets per employee ($millions) | 3.5230% | 4,715 |
| Cash dividends to net income (ytd only)* | 60.5617% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8411% | 5,157 |
| Loan loss allowance to noncurrent loans | 253.3858% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 4,807 |
| Noncurrent loans to loans | 0.3319% | 4,176 |
| Net loans and leases to total assets | 51.7748% | 4,698 |
| Net loans and leases to deposits | 62.4972% | 4,614 |
| Net loans and leases to core deposits | 66.3266% | 4,582 |
| Total domestic deposits to total assets | 82.8433% | 3,710 |
| Equity capital to assets | 16.0058% | 545 |
| Core capital (leverage) ratio | 14.6013% | 698 |
| Tier 1 risk-based capital ratio | 23.6071% | 947 |
| Total risk-based capital ratio | 24.3173% | 985 |
| Memoranda: | ||
| Average total assets | $383,818,330 | 1,743 |
| Average earning assets | $353,522,000 | 1,759 |
| Average equity | $56,730,670 | 1,363 |
| Average total loans | $185,650,670 | 2,255 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0784% | 2,934 |
| Cost of funding earning assets | 0.1371% | 5,698 |
| Net interest margin | 3.9414% | 1,811 |
| Noninterest income to average assets | 0.7317% | 1,895 |
| Noninterest expense to average assets | 3.3465% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8621% | 2,936 |
| Return on assets (ROA) | 1.2636% | 1,451 |
| Pretax return on assets | 1.4969% | 1,597 |
| Return on Equity (ROE) | 8.8930% | 2,475 |
| Retained earnings to average equity (ytd only) | 3.5572% | 3,715 |
| Net charge-offs to loans | -0.0022% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6573% | 2,089 |
| Assets per employee ($millions) | 3.7075% | 4,456 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 5,122 |
| Loan loss allowance to noncurrent loans | 232.5145% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 4,851 |
| Noncurrent loans to loans | 0.3784% | 4,082 |
| Net loans and leases to total assets | 47.0163% | 5,047 |
| Net loans and leases to deposits | 58.9275% | 4,784 |
| Net loans and leases to core deposits | 62.5624% | 4,779 |
| Total domestic deposits to total assets | 79.7867% | 4,794 |
| Equity capital to assets | 14.6983% | 775 |
| Core capital (leverage) ratio | 13.5715% | 959 |
| Tier 1 risk-based capital ratio | 22.3492% | 1,110 |
| Total risk-based capital ratio | 23.0275% | 1,175 |
| Memoranda: | ||
| Average total assets | $392,534,000 | 1,720 |
| Average earning assets | $361,902,500 | 1,721 |
| Average equity | $55,774,500 | 1,383 |
| Average total loans | $182,823,500 | 2,283 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 3,209 |
| Cost of funding earning assets | 0.1206% | 5,876 |
| Net interest margin | 3.9075% | 2,005 |
| Noninterest income to average assets | 0.7614% | 1,927 |
| Noninterest expense to average assets | 3.1611% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8214% | 3,239 |
| Return on assets (ROA) | 1.4602% | 963 |
| Pretax return on assets | 2.1277% | 402 |
| Return on Equity (ROE) | 10.2670% | 1,892 |
| Retained earnings to average equity (ytd only) | -0.2708% | 5,547 |
| Net charge-offs to loans | 0.0073% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 360.0000% | 187 |
| Efficiency ratio | 72.4528% | 2,837 |
| Assets per employee ($millions) | 3.8785% | 4,160 |
| Cash dividends to net income (ytd only)* | 102.6381% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 5,175 |
| Loan loss allowance to noncurrent loans | 230.6475% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 4,906 |
| Noncurrent loans to loans | 0.3803% | 4,087 |
| Net loans and leases to total assets | 45.3448% | 5,206 |
| Net loans and leases to deposits | 56.6241% | 5,008 |
| Net loans and leases to core deposits | 59.8623% | 4,987 |
| Total domestic deposits to total assets | 80.0804% | 4,725 |
| Equity capital to assets | 13.7375% | 1,024 |
| Core capital (leverage) ratio | 13.4189% | 998 |
| Tier 1 risk-based capital ratio | 21.9638% | 1,156 |
| Total risk-based capital ratio | 22.6341% | 1,218 |
| Memoranda: | ||
| Average total assets | $389,392,000 | 1,689 |
| Average earning assets | $358,895,200 | 1,684 |
| Average equity | $55,381,400 | 1,354 |
| Average total loans | $178,586,000 | 2,255 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 3,283 |
| Cost of funding earning assets | 0.1208% | 5,974 |
| Net interest margin | 3.8952% | 2,048 |
| Noninterest income to average assets | 0.7830% | 1,866 |
| Noninterest expense to average assets | 3.1986% | 1,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7688% | 3,589 |
| Return on assets (ROA) | 1.5888% | 827 |
| Pretax return on assets | 2.4159% | 275 |
| Return on Equity (ROE) | 11.0734% | 1,683 |
| Retained earnings to average equity (ytd only) | -1.1578% | 5,774 |
| Net charge-offs to loans | -0.0007% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1594% | 2,692 |
| Assets per employee ($millions) | 3.9349% | 4,003 |
| Cash dividends to net income (ytd only)* | 110.4555% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8788% | 5,276 |
| Loan loss allowance to noncurrent loans | 243.8914% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 5,076 |
| Noncurrent loans to loans | 0.3603% | 4,325 |
| Net loans and leases to total assets | 46.3509% | 5,209 |
| Net loans and leases to deposits | 57.1168% | 5,064 |
| Net loans and leases to core deposits | 62.1699% | 4,929 |
| Total domestic deposits to total assets | 81.1510% | 4,437 |
| Equity capital to assets | 13.5704% | 1,198 |
| Core capital (leverage) ratio | 13.5329% | 1,005 |
| Tier 1 risk-based capital ratio | 21.7831% | 1,226 |
| Total risk-based capital ratio | 22.4580% | 1,291 |
| Memoranda: | ||
| Average total assets | $386,867,500 | 1,711 |
| Average earning assets | $356,463,500 | 1,707 |
| Average equity | $55,506,750 | 1,355 |
| Average total loans | $177,544,750 | 2,276 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 3,383 |
| Cost of funding earning assets | 0.1206% | 6,040 |
| Net interest margin | 3.8565% | 2,120 |
| Noninterest income to average assets | 0.8241% | 1,681 |
| Noninterest expense to average assets | 3.2148% | 1,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7990% | 3,396 |
| Return on assets (ROA) | 2.0683% | 338 |
| Pretax return on assets | 3.0333% | 132 |
| Return on Equity (ROE) | 14.1541% | 874 |
| Retained earnings to average equity (ytd only) | -1.3201% | 5,742 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3713% | 2,769 |
| Assets per employee ($millions) | 3.9149% | 4,044 |
| Cash dividends to net income (ytd only)* | 109.3263% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 5,291 |
| Loan loss allowance to noncurrent loans | 263.6215% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 5,229 |
| Noncurrent loans to loans | 0.3428% | 4,458 |
| Net loans and leases to total assets | 46.1862% | 5,231 |
| Net loans and leases to deposits | 56.6384% | 5,084 |
| Net loans and leases to core deposits | 61.9776% | 4,945 |
| Total domestic deposits to total assets | 81.5457% | 4,434 |
| Equity capital to assets | 13.5273% | 1,159 |
| Core capital (leverage) ratio | 13.8577% | 884 |
| Tier 1 risk-based capital ratio | 22.0079% | 1,208 |
| Total risk-based capital ratio | 22.6879% | 1,272 |
| Memoranda: | ||
| Average total assets | $384,660,000 | 1,730 |
| Average earning assets | $354,829,670 | 1,723 |
| Average equity | $56,209,670 | 1,350 |
| Average total loans | $175,392,000 | 2,309 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 3,545 |
| Cost of funding earning assets | 0.1247% | 6,092 |
| Net interest margin | 3.7882% | 2,266 |
| Noninterest income to average assets | 0.7924% | 1,744 |
| Noninterest expense to average assets | 3.2381% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9194% | 2,654 |
| Return on assets (ROA) | 1.4986% | 901 |
| Pretax return on assets | 1.7208% | 1,010 |
| Return on Equity (ROE) | 9.8895% | 2,056 |
| Retained earnings to average equity (ytd only) | 4.7905% | 3,179 |
| Net charge-offs to loans | -0.0023% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4233% | 2,598 |
| Assets per employee ($millions) | 3.8432% | 4,264 |
| Cash dividends to net income (ytd only)* | 51.5593% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 5,382 |
| Loan loss allowance to noncurrent loans | 207.3077% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 5,138 |
| Noncurrent loans to loans | 0.4428% | 4,265 |
| Net loans and leases to total assets | 45.4106% | 5,244 |
| Net loans and leases to deposits | 53.9651% | 5,191 |
| Net loans and leases to core deposits | 58.9077% | 5,071 |
| Total domestic deposits to total assets | 84.1480% | 3,760 |
| Equity capital to assets | 15.2644% | 666 |
| Core capital (leverage) ratio | 14.4537% | 703 |
| Tier 1 risk-based capital ratio | 22.6944% | 1,148 |
| Total risk-based capital ratio | 23.3819% | 1,204 |
| Memoranda: | ||
| Average total assets | $385,159,000 | 1,732 |
| Average earning assets | $355,950,500 | 1,724 |
| Average equity | $58,365,000 | 1,311 |
| Average total loans | $173,680,500 | 2,333 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 2,800 |
| Cost of funding earning assets | 0.1788% | 5,920 |
| Net interest margin | 4.0660% | 1,693 |
| Noninterest income to average assets | 0.7281% | 2,169 |
| Noninterest expense to average assets | 3.0707% | 2,620 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5749% | 746 |
| Return on assets (ROA) | 1.5802% | 773 |
| Pretax return on assets | 1.3920% | 1,911 |
| Return on Equity (ROE) | 11.7088% | 1,491 |
| Retained earnings to average equity (ytd only) | 6.0868% | 1,867 |
| Net charge-offs to loans | 0.0018% | 4,939 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1,812.3333% | 18 |
| Efficiency ratio | 68.8905% | 3,736 |
| Assets per employee ($millions) | 3.8218% | 4,307 |
| Cash dividends to net income (ytd only)* | 48.0148% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 5,314 |
| Loan loss allowance to noncurrent loans | 673.3333% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 5,765 |
| Noncurrent loans to loans | 0.1402% | 5,336 |
| Net loans and leases to total assets | 43.9396% | 5,469 |
| Net loans and leases to deposits | 54.1208% | 5,324 |
| Net loans and leases to core deposits | 58.9825% | 5,202 |
| Total domestic deposits to total assets | 81.1881% | 4,685 |
| Equity capital to assets | 15.0430% | 699 |
| Core capital (leverage) ratio | 13.8636% | 850 |
| Tier 1 risk-based capital ratio | 23.1036% | 1,075 |
| Total risk-based capital ratio | 23.8125% | 1,130 |
| Memoranda: | ||
| Average total assets | $392,090,400 | 1,671 |
| Average earning assets | $359,615,200 | 1,665 |
| Average equity | $52,917,400 | 1,384 |
| Average total loans | $169,115,600 | 2,329 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3230% | 2,529 |
| Cost of funding earning assets | 0.1843% | 5,963 |
| Net interest margin | 4.1387% | 1,466 |
| Noninterest income to average assets | 0.7205% | 2,222 |
| Noninterest expense to average assets | 3.0645% | 2,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6188% | 717 |
| Return on assets (ROA) | 1.6236% | 739 |
| Pretax return on assets | 1.4494% | 1,813 |
| Return on Equity (ROE) | 12.3775% | 1,380 |
| Retained earnings to average equity (ytd only) | 6.6135% | 2,035 |
| Net charge-offs to loans | 0.0024% | 4,635 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,421.6300% | 45 |
| Efficiency ratio | 67.9612% | 3,862 |
| Assets per employee ($millions) | 3.8448% | 4,205 |
| Cash dividends to net income (ytd only)* | 46.5680% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 5,451 |
| Loan loss allowance to noncurrent loans | 673.3333% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 5,900 |
| Noncurrent loans to loans | 0.1402% | 5,502 |
| Net loans and leases to total assets | 42.8074% | 5,610 |
| Net loans and leases to deposits | 52.9478% | 5,467 |
| Net loans and leases to core deposits | 57.1669% | 5,384 |
| Total domestic deposits to total assets | 80.8483% | 4,865 |
| Equity capital to assets | 14.2193% | 935 |
| Core capital (leverage) ratio | 13.3771% | 1,038 |
| Tier 1 risk-based capital ratio | 23.0276% | 1,104 |
| Total risk-based capital ratio | 23.7431% | 1,170 |
| Memoranda: | ||
| Average total assets | $393,613,000 | 1,682 |
| Average earning assets | $360,327,250 | 1,686 |
| Average equity | $51,630,250 | 1,420 |
| Average total loans | $168,588,750 | 2,349 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 2,330 |
| Cost of funding earning assets | 0.1915% | 5,988 |
| Net interest margin | 4.1691% | 1,319 |
| Noninterest income to average assets | 0.7276% | 2,154 |
| Noninterest expense to average assets | 3.0595% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6542% | 636 |
| Return on assets (ROA) | 1.6614% | 662 |
| Pretax return on assets | 1.4888% | 1,570 |
| Return on Equity (ROE) | 13.0338% | 1,164 |
| Retained earnings to average equity (ytd only) | 7.0901% | 1,724 |
| Net charge-offs to loans | -0.0012% | 5,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3730% | 4,139 |
| Assets per employee ($millions) | 3.8775% | 4,112 |
| Cash dividends to net income (ytd only)* | 45.6022% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 5,571 |
| Loan loss allowance to noncurrent loans | 2,314.2857% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 6,175 |
| Noncurrent loans to loans | 0.0410% | 5,929 |
| Net loans and leases to total assets | 42.7418% | 5,627 |
| Net loans and leases to deposits | 54.2125% | 5,341 |
| Net loans and leases to core deposits | 59.4311% | 5,167 |
| Total domestic deposits to total assets | 78.8413% | 5,489 |
| Equity capital to assets | 13.6766% | 1,093 |
| Core capital (leverage) ratio | 12.9881% | 1,158 |
| Tier 1 risk-based capital ratio | 22.2646% | 1,223 |
| Total risk-based capital ratio | 22.9687% | 1,284 |
| Memoranda: | ||
| Average total assets | $392,811,330 | 1,687 |
| Average earning assets | $359,309,000 | 1,685 |
| Average equity | $50,070,000 | 1,444 |
| Average total loans | $167,738,000 | 2,360 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 2,193 |
| Cost of funding earning assets | 0.1971% | 6,026 |
| Net interest margin | 4.1887% | 1,250 |
| Noninterest income to average assets | 0.7469% | 1,962 |
| Noninterest expense to average assets | 3.1094% | 2,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6482% | 620 |
| Return on assets (ROA) | 1.6410% | 655 |
| Pretax return on assets | 1.4530% | 1,576 |
| Return on Equity (ROE) | 13.3669% | 1,071 |
| Retained earnings to average equity (ytd only) | 7.1745% | 1,947 |
| Net charge-offs to loans | -0.0024% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0456% | 4,175 |
| Assets per employee ($millions) | 3.8456% | 4,242 |
| Cash dividends to net income (ytd only)* | 46.3263% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 5,661 |
| Loan loss allowance to noncurrent loans | 2,131.5789% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 6,225 |
| Noncurrent loans to loans | 0.0451% | 6,014 |
| Net loans and leases to total assets | 42.1640% | 5,655 |
| Net loans and leases to deposits | 52.2646% | 5,441 |
| Net loans and leases to core deposits | 56.6767% | 5,305 |
| Total domestic deposits to total assets | 80.6740% | 5,324 |
| Equity capital to assets | 12.6751% | 1,470 |
| Core capital (leverage) ratio | 12.5952% | 1,341 |
| Tier 1 risk-based capital ratio | 21.7957% | 1,323 |
| Total risk-based capital ratio | 22.5035% | 1,401 |
| Memoranda: | ||
| Average total assets | $391,463,500 | 1,703 |
| Average earning assets | $357,243,500 | 1,702 |
| Average equity | $48,059,000 | 1,487 |
| Average total loans | $166,273,500 | 2,381 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 2,989 |
| Cost of funding earning assets | 0.2343% | 6,063 |
| Net interest margin | 4.0578% | 1,778 |
| Noninterest income to average assets | 0.7441% | 2,316 |
| Noninterest expense to average assets | 3.1124% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4367% | 947 |
| Return on assets (ROA) | 1.4503% | 955 |
| Pretax return on assets | 1.3448% | 1,986 |
| Return on Equity (ROE) | 11.2411% | 1,691 |
| Retained earnings to average equity (ytd only) | 4.9557% | 2,621 |
| Net charge-offs to loans | 0.0182% | 5,081 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 166.5667% | 281 |
| Efficiency ratio | 70.0420% | 3,834 |
| Assets per employee ($millions) | 3.7195% | 4,438 |
| Cash dividends to net income (ytd only)* | 55.9148% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 5,630 |
| Loan loss allowance to noncurrent loans | 1,759.7826% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 6,299 |
| Noncurrent loans to loans | 0.0561% | 6,063 |
| Net loans and leases to total assets | 41.9559% | 5,830 |
| Net loans and leases to deposits | 51.2688% | 5,676 |
| Net loans and leases to core deposits | 55.6406% | 5,561 |
| Total domestic deposits to total assets | 81.8351% | 4,933 |
| Equity capital to assets | 11.8688% | 1,890 |
| Core capital (leverage) ratio | 12.9304% | 1,169 |
| Tier 1 risk-based capital ratio | 22.1307% | 1,234 |
| Total risk-based capital ratio | 22.8598% | 1,294 |
| Memoranda: | ||
| Average total assets | $375,371,800 | 1,744 |
| Average earning assets | $342,227,600 | 1,744 |
| Average equity | $48,429,400 | 1,459 |
| Average total loans | $164,506,600 | 2,362 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 3,055 |
| Cost of funding earning assets | 0.2444% | 6,125 |
| Net interest margin | 4.0417% | 1,816 |
| Noninterest income to average assets | 0.7502% | 2,368 |
| Noninterest expense to average assets | 3.1247% | 2,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3651% | 1,187 |
| Return on assets (ROA) | 1.3837% | 1,186 |
| Pretax return on assets | 1.3315% | 2,208 |
| Return on Equity (ROE) | 10.5069% | 1,995 |
| Retained earnings to average equity (ytd only) | 4.2560% | 3,654 |
| Net charge-offs to loans | 0.0421% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 70.5400% | 662 |
| Efficiency ratio | 70.4146% | 3,688 |
| Assets per employee ($millions) | 3.5878% | 4,674 |
| Cash dividends to net income (ytd only)* | 59.4930% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 5,806 |
| Loan loss allowance to noncurrent loans | 471.0914% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 6,150 |
| Noncurrent loans to loans | 0.2081% | 5,723 |
| Net loans and leases to total assets | 43.2244% | 5,798 |
| Net loans and leases to deposits | 51.9132% | 5,714 |
| Net loans and leases to core deposits | 56.4301% | 5,586 |
| Total domestic deposits to total assets | 83.2628% | 4,479 |
| Equity capital to assets | 12.0764% | 1,872 |
| Core capital (leverage) ratio | 13.0538% | 1,182 |
| Tier 1 risk-based capital ratio | 22.0961% | 1,303 |
| Total risk-based capital ratio | 22.8219% | 1,363 |
| Memoranda: | ||
| Average total assets | $372,507,750 | 1,765 |
| Average earning assets | $339,849,000 | 1,764 |
| Average equity | $49,058,750 | 1,452 |
| Average total loans | $164,654,250 | 2,372 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2480% | 3,161 |
| Cost of funding earning assets | 0.2591% | 6,112 |
| Net interest margin | 3.9889% | 1,902 |
| Noninterest income to average assets | 0.7440% | 2,443 |
| Noninterest expense to average assets | 3.0835% | 2,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3151% | 1,285 |
| Return on assets (ROA) | 1.3457% | 1,302 |
| Pretax return on assets | 1.3382% | 2,164 |
| Return on Equity (ROE) | 9.9422% | 2,221 |
| Retained earnings to average equity (ytd only) | 3.7665% | 3,904 |
| Net charge-offs to loans | 0.0109% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 270.4444% | 187 |
| Efficiency ratio | 70.2227% | 3,786 |
| Assets per employee ($millions) | 3.5169% | 4,816 |
| Cash dividends to net income (ytd only)* | 62.1158% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 5,726 |
| Loan loss allowance to noncurrent loans | 9,647.0588% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 6,048 |
| Noncurrent loans to loans | 0.0106% | 6,402 |
| Net loans and leases to total assets | 43.4129% | 5,793 |
| Net loans and leases to deposits | 49.8965% | 5,846 |
| Net loans and leases to core deposits | 54.1257% | 5,744 |
| Total domestic deposits to total assets | 87.0059% | 2,820 |
| Equity capital to assets | 12.6868% | 1,476 |
| Core capital (leverage) ratio | 13.0167% | 1,154 |
| Tier 1 risk-based capital ratio | 22.2386% | 1,245 |
| Total risk-based capital ratio | 22.9985% | 1,316 |
| Memoranda: | ||
| Average total assets | $372,299,000 | 1,762 |
| Average earning assets | $340,394,330 | 1,763 |
| Average equity | $50,391,330 | 1,419 |
| Average total loans | $165,245,000 | 2,362 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 3,643 |
| Cost of funding earning assets | 0.2628% | 6,205 |
| Net interest margin | 3.8582% | 2,251 |
| Noninterest income to average assets | 0.7509% | 2,335 |
| Noninterest expense to average assets | 3.1004% | 2,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1950% | 1,535 |
| Return on assets (ROA) | 1.1950% | 1,644 |
| Pretax return on assets | 1.1843% | 2,634 |
| Return on Equity (ROE) | 8.5673% | 2,675 |
| Retained earnings to average equity (ytd only) | 2.6267% | 4,710 |
| Net charge-offs to loans | 0.0119% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 222.4000% | 181 |
| Efficiency ratio | 72.3589% | 3,554 |
| Assets per employee ($millions) | 3.7068% | 4,542 |
| Cash dividends to net income (ytd only)* | 69.3405% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,025 |
| Loan loss allowance to noncurrent loans | 9,670.5882% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 6,141 |
| Noncurrent loans to loans | 0.0102% | 6,477 |
| Net loans and leases to total assets | 43.5820% | 5,709 |
| Net loans and leases to deposits | 51.0893% | 5,701 |
| Net loans and leases to core deposits | 55.5398% | 5,552 |
| Total domestic deposits to total assets | 85.3054% | 3,898 |
| Equity capital to assets | 13.8099% | 1,088 |
| Core capital (leverage) ratio | 12.8794% | 1,162 |
| Tier 1 risk-based capital ratio | 22.6103% | 1,220 |
| Total risk-based capital ratio | 23.3946% | 1,277 |
| Memoranda: | ||
| Average total assets | $375,569,500 | 1,761 |
| Average earning assets | $343,997,500 | 1,761 |
| Average equity | $52,385,500 | 1,388 |
| Average total loans | $167,654,500 | 2,343 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 3,520 |
| Cost of funding earning assets | 0.3431% | 6,254 |
| Net interest margin | 4.1280% | 1,892 |
| Noninterest income to average assets | 0.7328% | 2,574 |
| Noninterest expense to average assets | 2.9497% | 3,469 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2572% | 1,430 |
| Return on assets (ROA) | 1.9662% | 410 |
| Pretax return on assets | 2.4272% | 281 |
| Return on Equity (ROE) | 13.7937% | 1,036 |
| Retained earnings to average equity (ytd only) | 2.4918% | 4,476 |
| Net charge-offs to loans | 0.0140% | 5,719 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 245.0417% | 166 |
| Efficiency ratio | 65.2383% | 4,661 |
| Assets per employee ($millions) | 3.6573% | 4,657 |
| Cash dividends to net income (ytd only)* | 81.9353% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 6,041 |
| Loan loss allowance to noncurrent loans | 9,700.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 6,200 |
| Noncurrent loans to loans | 0.0101% | 6,538 |
| Net loans and leases to total assets | 44.8297% | 5,745 |
| Net loans and leases to deposits | 52.8408% | 5,751 |
| Net loans and leases to core deposits | 57.5388% | 5,590 |
| Total domestic deposits to total assets | 84.8392% | 3,929 |
| Equity capital to assets | 14.0886% | 1,011 |
| Core capital (leverage) ratio | 13.0838% | 1,088 |
| Tier 1 risk-based capital ratio | 23.1190% | 1,098 |
| Total risk-based capital ratio | 23.9293% | 1,137 |
| Memoranda: | ||
| Average total assets | $378,951,800 | 1,719 |
| Average earning assets | $345,980,200 | 1,720 |
| Average equity | $54,017,400 | 1,318 |
| Average total loans | $171,583,800 | 2,293 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6014% | 3,191 |
| Cost of funding earning assets | 0.3609% | 6,327 |
| Net interest margin | 4.2405% | 1,620 |
| Noninterest income to average assets | 0.7318% | 2,556 |
| Noninterest expense to average assets | 3.0523% | 3,051 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2353% | 1,617 |
| Return on assets (ROA) | 2.1537% | 343 |
| Pretax return on assets | 2.7134% | 210 |
| Return on Equity (ROE) | 15.0657% | 889 |
| Retained earnings to average equity (ytd only) | 9.3435% | 1,112 |
| Net charge-offs to loans | 0.0163% | 5,460 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 210.7089% | 216 |
| Efficiency ratio | 65.9357% | 4,460 |
| Assets per employee ($millions) | 3.6504% | 4,657 |
| Cash dividends to net income (ytd only)* | 37.9821% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 6,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 6,266 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 44.8629% | 5,885 |
| Net loans and leases to deposits | 53.3664% | 5,860 |
| Net loans and leases to core deposits | 57.5193% | 5,763 |
| Total domestic deposits to total assets | 84.0658% | 4,182 |
| Equity capital to assets | 14.8174% | 866 |
| Core capital (leverage) ratio | 13.7588% | 920 |
| Tier 1 risk-based capital ratio | 25.1024% | 898 |
| Total risk-based capital ratio | 25.9399% | 930 |
| Memoranda: | ||
| Average total assets | $380,428,000 | 1,729 |
| Average earning assets | $347,307,750 | 1,736 |
| Average equity | $54,382,500 | 1,322 |
| Average total loans | $172,258,500 | 2,319 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7762% | 2,599 |
| Cost of funding earning assets | 0.3801% | 6,377 |
| Net interest margin | 4.3961% | 1,210 |
| Noninterest income to average assets | 0.7400% | 2,470 |
| Noninterest expense to average assets | 2.9866% | 3,307 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3552% | 1,299 |
| Return on assets (ROA) | 2.6436% | 154 |
| Pretax return on assets | 3.4427% | 108 |
| Return on Equity (ROE) | 18.7173% | 437 |
| Retained earnings to average equity (ytd only) | 12.9479% | 443 |
| Net charge-offs to loans | 0.0382% | 4,840 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 102.3939% | 417 |
| Efficiency ratio | 62.2550% | 5,206 |
| Assets per employee ($millions) | 3.5742% | 4,807 |
| Cash dividends to net income (ytd only)* | 30.8241% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 6,217 |
| Loan loss allowance to noncurrent loans | 6,074.0741% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 6,330 |
| Noncurrent loans to loans | 0.0162% | 6,650 |
| Net loans and leases to total assets | 44.3740% | 5,982 |
| Net loans and leases to deposits | 52.7625% | 5,973 |
| Net loans and leases to core deposits | 56.9968% | 5,860 |
| Total domestic deposits to total assets | 84.1014% | 4,276 |
| Equity capital to assets | 14.7999% | 832 |
| Core capital (leverage) ratio | 13.5911% | 944 |
| Tier 1 risk-based capital ratio | 24.9797% | 903 |
| Total risk-based capital ratio | 25.8124% | 936 |
| Memoranda: | ||
| Average total assets | $381,907,330 | 1,730 |
| Average earning assets | $348,897,000 | 1,730 |
| Average equity | $53,939,330 | 1,324 |
| Average total loans | $172,900,670 | 2,320 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1508% | 1,427 |
| Cost of funding earning assets | 0.4044% | 6,386 |
| Net interest margin | 4.7464% | 630 |
| Noninterest income to average assets | 0.7597% | 2,350 |
| Noninterest expense to average assets | 3.0563% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5020% | 1,013 |
| Return on assets (ROA) | 3.9059% | 73 |
| Pretax return on assets | 5.3395% | 57 |
| Return on Equity (ROE) | 28.3061% | 124 |
| Retained earnings to average equity (ytd only) | 22.4786% | 125 |
| Net charge-offs to loans | -0.0136% | 6,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4085% | 5,707 |
| Assets per employee ($millions) | 3.6566% | 4,745 |
| Cash dividends to net income (ytd only)* | 20.5875% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 6,346 |
| Loan loss allowance to noncurrent loans | 6,218.5185% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 6,437 |
| Noncurrent loans to loans | 0.0156% | 6,742 |
| Net loans and leases to total assets | 45.8610% | 5,797 |
| Net loans and leases to deposits | 54.5459% | 5,752 |
| Net loans and leases to core deposits | 59.3649% | 5,589 |
| Total domestic deposits to total assets | 84.0778% | 4,449 |
| Equity capital to assets | 14.5805% | 843 |
| Core capital (leverage) ratio | 12.6264% | 1,275 |
| Tier 1 risk-based capital ratio | 24.9874% | 909 |
| Total risk-based capital ratio | 25.8492% | 927 |
| Memoranda: | ||
| Average total assets | $387,002,000 | 1,713 |
| Average earning assets | $354,119,500 | 1,710 |
| Average equity | $53,402,000 | 1,329 |
| Average total loans | $176,058,000 | 2,291 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3363% | 1,604 |
| Cost of funding earning assets | 0.5882% | 6,147 |
| Net interest margin | 4.7481% | 688 |
| Noninterest income to average assets | 0.7556% | 2,307 |
| Noninterest expense to average assets | 2.9522% | 3,760 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.7922% | 462 |
| Return on assets (ROA) | 1.7942% | 502 |
| Pretax return on assets | 2.1372% | 418 |
| Return on Equity (ROE) | 13.8862% | 959 |
| Retained earnings to average equity (ytd only) | 8.0115% | 1,073 |
| Net charge-offs to loans | 0.0069% | 6,338 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 621.5385% | 46 |
| Efficiency ratio | 57.5257% | 6,111 |
| Assets per employee ($millions) | 3.8935% | 4,093 |
| Cash dividends to net income (ytd only)* | 42.3060% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9326% | 6,453 |
| Loan loss allowance to noncurrent loans | 1,624.2718% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 6,484 |
| Noncurrent loans to loans | 0.0574% | 6,673 |
| Net loans and leases to total assets | 44.3145% | 6,178 |
| Net loans and leases to deposits | 58.4873% | 5,653 |
| Net loans and leases to core deposits | 63.8342% | 5,482 |
| Total domestic deposits to total assets | 75.7677% | 6,514 |
| Equity capital to assets | 13.0719% | 1,452 |
| Core capital (leverage) ratio | 11.7586% | 1,731 |
| Tier 1 risk-based capital ratio | 20.8636% | 1,444 |
| Total risk-based capital ratio | 21.6281% | 1,526 |
| Memoranda: | ||
| Average total assets | $378,493,800 | 1,713 |
| Average earning assets | $345,274,000 | 1,722 |
| Average equity | $48,904,600 | 1,393 |
| Average total loans | $187,916,400 | 2,152 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3341% | 1,738 |
| Cost of funding earning assets | 0.6242% | 6,159 |
| Net interest margin | 4.7099% | 748 |
| Noninterest income to average assets | 0.7788% | 2,148 |
| Noninterest expense to average assets | 3.0477% | 3,362 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7086% | 613 |
| Return on assets (ROA) | 1.7086% | 670 |
| Pretax return on assets | 2.0214% | 603 |
| Return on Equity (ROE) | 13.2649% | 1,216 |
| Retained earnings to average equity (ytd only) | 7.4487% | 1,739 |
| Net charge-offs to loans | 0.0091% | 6,035 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 434.9186% | 83 |
| Efficiency ratio | 59.6078% | 5,784 |
| Assets per employee ($millions) | 3.8636% | 4,160 |
| Cash dividends to net income (ytd only)* | 43.8467% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 6,620 |
| Loan loss allowance to noncurrent loans | 857.9487% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 6,539 |
| Noncurrent loans to loans | 0.1041% | 6,667 |
| Net loans and leases to total assets | 46.6682% | 6,087 |
| Net loans and leases to deposits | 62.8262% | 5,314 |
| Net loans and leases to core deposits | 67.9735% | 5,184 |
| Total domestic deposits to total assets | 74.2814% | 6,727 |
| Equity capital to assets | 12.8955% | 1,668 |
| Core capital (leverage) ratio | 11.5828% | 1,968 |
| Tier 1 risk-based capital ratio | 20.0542% | 1,672 |
| Total risk-based capital ratio | 20.8099% | 1,767 |
| Memoranda: | ||
| Average total assets | $372,860,500 | 1,746 |
| Average earning assets | $339,643,500 | 1,756 |
| Average equity | $48,025,250 | 1,427 |
| Average total loans | $190,049,000 | 2,153 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3271% | 1,792 |
| Cost of funding earning assets | 0.6677% | 6,134 |
| Net interest margin | 4.6594% | 802 |
| Noninterest income to average assets | 0.7781% | 2,119 |
| Noninterest expense to average assets | 3.1485% | 3,086 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5879% | 750 |
| Return on assets (ROA) | 1.5879% | 792 |
| Pretax return on assets | 1.8683% | 757 |
| Return on Equity (ROE) | 12.3339% | 1,399 |
| Retained earnings to average equity (ytd only) | 6.7210% | 2,006 |
| Net charge-offs to loans | 0.0031% | 5,841 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1,135.0000% | 17 |
| Efficiency ratio | 62.2225% | 5,557 |
| Assets per employee ($millions) | 3.6742% | 4,515 |
| Cash dividends to net income (ytd only)* | 45.5079% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8818% | 6,707 |
| Loan loss allowance to noncurrent loans | 178.4730% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 6,078 |
| Noncurrent loans to loans | 0.4941% | 5,917 |
| Net loans and leases to total assets | 49.5073% | 5,884 |
| Net loans and leases to deposits | 65.1279% | 5,122 |
| Net loans and leases to core deposits | 70.7768% | 4,981 |
| Total domestic deposits to total assets | 76.0156% | 6,597 |
| Equity capital to assets | 12.5423% | 1,760 |
| Core capital (leverage) ratio | 11.8990% | 1,671 |
| Tier 1 risk-based capital ratio | 19.8610% | 1,637 |
| Total risk-based capital ratio | 20.6336% | 1,715 |
| Memoranda: | ||
| Average total assets | $364,496,000 | 1,795 |
| Average earning assets | $331,586,670 | 1,800 |
| Average equity | $46,927,670 | 1,441 |
| Average total loans | $190,935,000 | 2,168 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4047% | 1,540 |
| Cost of funding earning assets | 0.6954% | 6,162 |
| Net interest margin | 4.7093% | 689 |
| Noninterest income to average assets | 0.8108% | 1,987 |
| Noninterest expense to average assets | 3.2793% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5294% | 820 |
| Return on assets (ROA) | 1.5294% | 864 |
| Pretax return on assets | 1.8117% | 793 |
| Return on Equity (ROE) | 11.7169% | 1,540 |
| Retained earnings to average equity (ytd only) | 6.0480% | 2,610 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8834% | 5,380 |
| Assets per employee ($millions) | 3.5408% | 4,901 |
| Cash dividends to net income (ytd only)* | 48.3824% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 6,731 |
| Loan loss allowance to noncurrent loans | 1,080.7692% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 6,584 |
| Noncurrent loans to loans | 0.0821% | 6,836 |
| Net loans and leases to total assets | 52.6683% | 5,500 |
| Net loans and leases to deposits | 64.9437% | 5,138 |
| Net loans and leases to core deposits | 70.8299% | 4,948 |
| Total domestic deposits to total assets | 81.0984% | 5,632 |
| Equity capital to assets | 13.1204% | 1,329 |
| Core capital (leverage) ratio | 12.0659% | 1,524 |
| Tier 1 risk-based capital ratio | 20.2860% | 1,522 |
| Total risk-based capital ratio | 21.0933% | 1,590 |
| Memoranda: | ||
| Average total assets | $355,686,500 | 1,852 |
| Average earning assets | $323,274,000 | 1,858 |
| Average equity | $46,428,500 | 1,448 |
| Average total loans | $190,973,500 | 2,192 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4566% | 2,451 |
| Cost of funding earning assets | 0.8219% | 6,474 |
| Net interest margin | 4.6346% | 937 |
| Noninterest income to average assets | 0.8222% | 2,180 |
| Noninterest expense to average assets | 3.1380% | 3,314 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5271% | 718 |
| Return on assets (ROA) | 1.5260% | 782 |
| Pretax return on assets | 1.8954% | 617 |
| Return on Equity (ROE) | 12.4059% | 1,236 |
| Retained earnings to average equity (ytd only) | 6.5759% | 1,520 |
| Net charge-offs to loans | 0.0186% | 6,626 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 188.2973% | 138 |
| Efficiency ratio | 61.7964% | 5,762 |
| Assets per employee ($millions) | 3.4344% | 5,098 |
| Cash dividends to net income (ytd only)* | 46.9938% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 6,775 |
| Loan loss allowance to noncurrent loans | 1,131.5436% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 6,625 |
| Noncurrent loans to loans | 0.0776% | 6,937 |
| Net loans and leases to total assets | 53.7727% | 5,659 |
| Net loans and leases to deposits | 68.7889% | 4,987 |
| Net loans and leases to core deposits | 74.0712% | 4,975 |
| Total domestic deposits to total assets | 78.1706% | 6,277 |
| Equity capital to assets | 12.9852% | 1,393 |
| Core capital (leverage) ratio | 11.8973% | 1,620 |
| Tier 1 risk-based capital ratio | 19.9348% | 1,499 |
| Total risk-based capital ratio | 20.7420% | 1,571 |
| Memoranda: | ||
| Average total assets | $367,307,800 | 1,788 |
| Average earning assets | $333,855,400 | 1,788 |
| Average equity | $45,180,200 | 1,482 |
| Average total loans | $198,431,200 | 2,168 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4706% | 2,556 |
| Cost of funding earning assets | 0.8463% | 6,599 |
| Net interest margin | 4.6242% | 998 |
| Noninterest income to average assets | 0.8096% | 2,189 |
| Noninterest expense to average assets | 3.1248% | 3,216 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5121% | 903 |
| Return on assets (ROA) | 1.5106% | 984 |
| Pretax return on assets | 1.8865% | 789 |
| Return on Equity (ROE) | 12.4465% | 1,397 |
| Retained earnings to average equity (ytd only) | 6.5937% | 2,048 |
| Net charge-offs to loans | 0.0247% | 6,329 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 141.8980% | 224 |
| Efficiency ratio | 61.8094% | 5,652 |
| Assets per employee ($millions) | 3.4452% | 5,104 |
| Cash dividends to net income (ytd only)* | 47.0239% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 6,879 |
| Loan loss allowance to noncurrent loans | 1,195.7447% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 6,780 |
| Noncurrent loans to loans | 0.0715% | 7,065 |
| Net loans and leases to total assets | 53.5004% | 5,921 |
| Net loans and leases to deposits | 70.8390% | 5,029 |
| Net loans and leases to core deposits | 76.3763% | 5,011 |
| Total domestic deposits to total assets | 75.5238% | 6,738 |
| Equity capital to assets | 12.7998% | 1,680 |
| Core capital (leverage) ratio | 11.3908% | 2,016 |
| Tier 1 risk-based capital ratio | 19.3587% | 1,673 |
| Total risk-based capital ratio | 20.1574% | 1,734 |
| Memoranda: | ||
| Average total assets | $370,697,750 | 1,790 |
| Average earning assets | $336,970,500 | 1,798 |
| Average equity | $44,991,500 | 1,491 |
| Average total loans | $200,062,500 | 2,185 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4826% | 2,605 |
| Cost of funding earning assets | 0.8712% | 6,686 |
| Net interest margin | 4.6114% | 969 |
| Noninterest income to average assets | 0.7876% | 2,184 |
| Noninterest expense to average assets | 3.1052% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4903% | 927 |
| Return on assets (ROA) | 1.4882% | 990 |
| Pretax return on assets | 1.8796% | 768 |
| Return on Equity (ROE) | 12.4844% | 1,354 |
| Retained earnings to average equity (ytd only) | 6.5530% | 2,052 |
| Net charge-offs to loans | 0.0288% | 5,932 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 120.8966% | 278 |
| Efficiency ratio | 61.7330% | 5,733 |
| Assets per employee ($millions) | 3.5423% | 4,812 |
| Cash dividends to net income (ytd only)* | 47.5108% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 6,888 |
| Loan loss allowance to noncurrent loans | 1,184.6154% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 6,812 |
| Noncurrent loans to loans | 0.0722% | 7,132 |
| Net loans and leases to total assets | 53.2861% | 6,081 |
| Net loans and leases to deposits | 71.5362% | 5,066 |
| Net loans and leases to core deposits | 78.2197% | 4,914 |
| Total domestic deposits to total assets | 74.4883% | 6,912 |
| Equity capital to assets | 12.3218% | 1,916 |
| Core capital (leverage) ratio | 11.0235% | 2,227 |
| Tier 1 risk-based capital ratio | 18.9706% | 1,727 |
| Total risk-based capital ratio | 19.7726% | 1,795 |
| Memoranda: | ||
| Average total assets | $372,533,000 | 1,802 |
| Average earning assets | $339,293,000 | 1,806 |
| Average equity | $44,407,330 | 1,501 |
| Average total loans | $201,061,670 | 2,205 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4975% | 2,583 |
| Cost of funding earning assets | 0.8788% | 6,846 |
| Net interest margin | 4.6188% | 916 |
| Noninterest income to average assets | 0.7880% | 2,082 |
| Noninterest expense to average assets | 3.1393% | 3,108 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4501% | 984 |
| Return on assets (ROA) | 1.4501% | 1,057 |
| Pretax return on assets | 1.8580% | 795 |
| Return on Equity (ROE) | 12.3695% | 1,398 |
| Retained earnings to average equity (ytd only) | 6.3760% | 2,428 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3077% | 5,774 |
| Assets per employee ($millions) | 3.6234% | 4,761 |
| Cash dividends to net income (ytd only)* | 48.4536% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 6,955 |
| Loan loss allowance to noncurrent loans | 691.9679% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 6,865 |
| Noncurrent loans to loans | 0.1244% | 7,099 |
| Net loans and leases to total assets | 53.1526% | 6,136 |
| Net loans and leases to deposits | 71.4880% | 5,129 |
| Net loans and leases to core deposits | 78.2730% | 4,992 |
| Total domestic deposits to total assets | 74.3518% | 6,998 |
| Equity capital to assets | 11.8973% | 2,108 |
| Core capital (leverage) ratio | 10.7416% | 2,424 |
| Tier 1 risk-based capital ratio | 18.5526% | 1,823 |
| Total risk-based capital ratio | 19.3661% | 1,891 |
| Memoranda: | ||
| Average total assets | $374,601,500 | 1,831 |
| Average earning assets | $341,390,500 | 1,833 |
| Average equity | $43,914,500 | 1,529 |
| Average total loans | $202,593,500 | 2,246 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8039% | 2,638 |
| Cost of funding earning assets | 1.2456% | 6,483 |
| Net interest margin | 4.5583% | 1,062 |
| Noninterest income to average assets | 0.8294% | 2,274 |
| Noninterest expense to average assets | 3.0251% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4141% | 823 |
| Return on assets (ROA) | 1.4141% | 878 |
| Pretax return on assets | 1.9437% | 457 |
| Return on Equity (ROE) | 12.6754% | 1,029 |
| Retained earnings to average equity (ytd only) | 5.5441% | 1,556 |
| Net charge-offs to loans | 0.0470% | 6,634 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 73.3673% | 374 |
| Efficiency ratio | 60.3482% | 6,427 |
| Assets per employee ($millions) | 3.5139% | 4,975 |
| Cash dividends to net income (ytd only)* | 56.2608% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8401% | 7,012 |
| Loan loss allowance to noncurrent loans | 660.1533% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 6,866 |
| Noncurrent loans to loans | 0.1273% | 7,110 |
| Net loans and leases to total assets | 54.0888% | 6,188 |
| Net loans and leases to deposits | 75.3861% | 4,832 |
| Net loans and leases to core deposits | 87.2664% | 5,407 |
| Total domestic deposits to total assets | 71.7491% | 7,268 |
| Equity capital to assets | 11.5500% | 2,281 |
| Core capital (leverage) ratio | 10.5267% | 2,577 |
| Tier 1 risk-based capital ratio | 18.3491% | 1,793 |
| Total risk-based capital ratio | 19.1688% | 1,876 |
| Memoranda: | ||
| Average total assets | $369,909,400 | 1,839 |
| Average earning assets | $335,911,600 | 1,851 |
| Average equity | $41,269,000 | 1,619 |
| Average total loans | $208,668,600 | 2,216 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8671% | 2,596 |
| Cost of funding earning assets | 1.3525% | 6,390 |
| Net interest margin | 4.5146% | 1,159 |
| Noninterest income to average assets | 0.8263% | 2,306 |
| Noninterest expense to average assets | 3.0630% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3301% | 1,156 |
| Return on assets (ROA) | 1.3301% | 1,220 |
| Pretax return on assets | 1.8599% | 716 |
| Return on Equity (ROE) | 12.0303% | 1,342 |
| Retained earnings to average equity (ytd only) | 4.5535% | 2,732 |
| Net charge-offs to loans | 0.0146% | 6,714 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 223.4050% | 174 |
| Efficiency ratio | 61.6821% | 6,169 |
| Assets per employee ($millions) | 3.4944% | 4,945 |
| Cash dividends to net income (ytd only)* | 62.1497% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 6,860 |
| Loan loss allowance to noncurrent loans | 543.2024% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 6,874 |
| Noncurrent loans to loans | 0.1612% | 7,082 |
| Net loans and leases to total assets | 54.9376% | 6,274 |
| Net loans and leases to deposits | 77.0184% | 4,896 |
| Net loans and leases to core deposits | 86.7691% | 5,790 |
| Total domestic deposits to total assets | 71.3305% | 7,300 |
| Equity capital to assets | 11.4756% | 2,606 |
| Core capital (leverage) ratio | 10.3787% | 2,902 |
| Tier 1 risk-based capital ratio | 17.9699% | 1,999 |
| Total risk-based capital ratio | 18.8280% | 2,062 |
| Memoranda: | ||
| Average total assets | $368,389,000 | 1,858 |
| Average earning assets | $334,285,000 | 1,873 |
| Average equity | $40,729,500 | 1,658 |
| Average total loans | $209,562,750 | 2,218 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9279% | 2,465 |
| Cost of funding earning assets | 1.4125% | 6,437 |
| Net interest margin | 4.5154% | 1,135 |
| Noninterest income to average assets | 0.8349% | 2,248 |
| Noninterest expense to average assets | 3.0969% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2901% | 1,251 |
| Return on assets (ROA) | 1.2901% | 1,338 |
| Pretax return on assets | 1.8308% | 803 |
| Return on Equity (ROE) | 11.8194% | 1,477 |
| Retained earnings to average equity (ytd only) | 3.7970% | 3,179 |
| Net charge-offs to loans | 0.0218% | 6,195 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 146.3478% | 275 |
| Efficiency ratio | 62.3068% | 6,202 |
| Assets per employee ($millions) | 3.5919% | 4,591 |
| Cash dividends to net income (ytd only)* | 67.8752% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8712% | 6,898 |
| Loan loss allowance to noncurrent loans | 561.8750% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 6,848 |
| Noncurrent loans to loans | 0.1550% | 7,134 |
| Net loans and leases to total assets | 55.2987% | 6,298 |
| Net loans and leases to deposits | 77.4248% | 4,954 |
| Net loans and leases to core deposits | 87.9684% | 5,725 |
| Total domestic deposits to total assets | 71.4225% | 7,312 |
| Equity capital to assets | 10.9798% | 2,939 |
| Core capital (leverage) ratio | 10.2603% | 3,033 |
| Tier 1 risk-based capital ratio | 17.8105% | 2,065 |
| Total risk-based capital ratio | 18.6762% | 2,125 |
| Memoranda: | ||
| Average total assets | $367,717,330 | 1,887 |
| Average earning assets | $333,303,330 | 1,898 |
| Average equity | $40,137,330 | 1,693 |
| Average total loans | $210,987,330 | 2,239 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0435% | 2,181 |
| Cost of funding earning assets | 1.4574% | 6,551 |
| Net interest margin | 4.5861% | 961 |
| Noninterest income to average assets | 0.8554% | 2,057 |
| Noninterest expense to average assets | 3.0093% | 3,724 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4065% | 1,126 |
| Return on assets (ROA) | 1.4065% | 1,211 |
| Pretax return on assets | 2.0077% | 660 |
| Return on Equity (ROE) | 12.9239% | 1,411 |
| Retained earnings to average equity (ytd only) | 5.0232% | 3,116 |
| Net charge-offs to loans | 0.0263% | 5,166 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 131.4286% | 331 |
| Efficiency ratio | 59.4606% | 6,488 |
| Assets per employee ($millions) | 3.6184% | 4,528 |
| Cash dividends to net income (ytd only)* | 61.1327% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 6,925 |
| Loan loss allowance to noncurrent loans | 1,309.4203% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 6,925 |
| Noncurrent loans to loans | 0.0655% | 7,337 |
| Net loans and leases to total assets | 56.0334% | 6,235 |
| Net loans and leases to deposits | 79.3010% | 4,723 |
| Net loans and leases to core deposits | 91.0532% | 5,449 |
| Total domestic deposits to total assets | 70.6592% | 7,369 |
| Equity capital to assets | 10.9402% | 3,020 |
| Core capital (leverage) ratio | 10.0059% | 3,408 |
| Tier 1 risk-based capital ratio | 17.5968% | 2,157 |
| Total risk-based capital ratio | 18.4629% | 2,209 |
| Memoranda: | ||
| Average total assets | $366,591,500 | 1,898 |
| Average earning assets | $332,657,000 | 1,901 |
| Average equity | $39,895,000 | 1,709 |
| Average total loans | $213,288,000 | 2,240 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9628% | 5,740 |
| Cost of funding earning assets | 1.8421% | 6,891 |
| Net interest margin | 4.1207% | 2,623 |
| Noninterest income to average assets | 0.8771% | 2,067 |
| Noninterest expense to average assets | 3.0315% | 3,966 |
| Loan and lease loss provision to assets | 0.0042% | 7,305 |
| Net operating income to assets | 1.1393% | 1,990 |
| Return on assets (ROA) | 1.1241% | 1,966 |
| Pretax return on assets | 1.5682% | 1,487 |
| Return on Equity (ROE) | 10.6405% | 2,033 |
| Retained earnings to average equity (ytd only) | -0.0996% | 5,297 |
| Net charge-offs to loans | 0.0287% | 6,418 |
| Credit loss provision to net charge-offs | 23.8095% | 6,566 |
| Earnings coverage of net charge-offs (x) | 91.3492% | 461 |
| Efficiency ratio | 64.9605% | 5,333 |
| Assets per employee ($millions) | 3.4332% | 4,849 |
| Cash dividends to net income (ytd only)* | 100.9360% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 6,928 |
| Loan loss allowance to noncurrent loans | 6,279.3103% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 6,852 |
| Noncurrent loans to loans | 0.0134% | 7,486 |
| Net loans and leases to total assets | 59.3957% | 5,996 |
| Net loans and leases to deposits | 83.2654% | 4,529 |
| Net loans and leases to core deposits | 95.7473% | 5,276 |
| Total domestic deposits to total assets | 71.3330% | 7,117 |
| Equity capital to assets | 10.8232% | 3,188 |
| Core capital (leverage) ratio | 10.0231% | 3,424 |
| Tier 1 risk-based capital ratio | 16.7473% | 2,403 |
| Total risk-based capital ratio | 17.5901% | 2,482 |
| Memoranda: | ||
| Average total assets | $361,173,000 | 1,857 |
| Average earning assets | $328,488,400 | 1,861 |
| Average equity | $38,156,200 | 1,770 |
| Average total loans | $219,441,200 | 2,130 |