Home > Community Bank of Santa Maria > Performance and Condition Ratios
Community Bank of Santa Maria, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2858% | 3,459 |
| Cost of funding earning assets | 0.4091% | 4,281 |
| Net interest margin | 3.8767% | 1,425 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.5639% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0427% | 2,090 |
| Return on assets (ROA) | 1.0398% | 2,072 |
| Pretax return on assets | 1.3770% | 1,686 |
| Return on Equity (ROE) | 14.2300% | 1,437 |
| Retained earnings to average equity (ytd only) | 10.7978% | 842 |
| Net charge-offs to loans | -0.0044% | 3,806 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.9971% | 2,480 |
| Assets per employee ($millions) | 6.6387% | 2,311 |
| Cash dividends to net income (ytd only)* | 24.1138% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 3,127 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.3000% | 2,820 |
| Net loans and leases to deposits | 66.2905% | 3,154 |
| Net loans and leases to core deposits | 67.2013% | 3,446 |
| Total domestic deposits to total assets | 90.9700% | 509 |
| Equity capital to assets | 8.3828% | 3,132 |
| Core capital (leverage) ratio | 9.9165% | 2,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2064% | 1,224 |
| Memoranda: | ||
| Average total assets | $398,838,200 | 2,018 |
| Average earning assets | $374,214,600 | 1,996 |
| Average equity | $29,144,800 | 2,308 |
| Average total loans | $227,399,000 | 2,118 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 3,493 |
| Cost of funding earning assets | 0.3614% | 4,302 |
| Net interest margin | 3.8261% | 1,543 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.5386% | 2,115 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0260% | 2,284 |
| Return on assets (ROA) | 1.0373% | 2,243 |
| Pretax return on assets | 1.3735% | 1,838 |
| Return on Equity (ROE) | 14.7300% | 1,500 |
| Retained earnings to average equity (ytd only) | 10.0012% | 1,398 |
| Net charge-offs to loans | -0.0042% | 3,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.1298% | 2,374 |
| Assets per employee ($millions) | 6.8864% | 2,046 |
| Cash dividends to net income (ytd only)* | 32.0821% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 3,018 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.1700% | 3,018 |
| Net loans and leases to deposits | 63.1236% | 3,318 |
| Net loans and leases to core deposits | 63.9266% | 3,528 |
| Total domestic deposits to total assets | 92.1600% | 422 |
| Equity capital to assets | 7.0253% | 3,595 |
| Core capital (leverage) ratio | 9.6112% | 3,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9080% | 1,345 |
| Memoranda: | ||
| Average total assets | $400,627,500 | 2,013 |
| Average earning assets | $375,898,250 | 1,990 |
| Average equity | $28,222,500 | 2,339 |
| Average total loans | $224,582,750 | 2,134 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0974% | 3,499 |
| Cost of funding earning assets | 0.2982% | 4,318 |
| Net interest margin | 3.7992% | 1,627 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.5126% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0329% | 2,312 |
| Return on assets (ROA) | 1.0478% | 2,265 |
| Pretax return on assets | 1.3810% | 1,859 |
| Return on Equity (ROE) | 14.8600% | 1,496 |
| Retained earnings to average equity (ytd only) | 8.7067% | 1,761 |
| Net charge-offs to loans | -0.0045% | 3,689 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.8451% | 2,391 |
| Assets per employee ($millions) | 7.1123% | 1,837 |
| Cash dividends to net income (ytd only)* | 41.4103% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 3,045 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 55.8600% | 3,133 |
| Net loans and leases to deposits | 60.6121% | 3,384 |
| Net loans and leases to core deposits | 61.0485% | 3,573 |
| Total domestic deposits to total assets | 92.1600% | 381 |
| Equity capital to assets | 7.1036% | 3,736 |
| Core capital (leverage) ratio | 9.5433% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0199% | 1,573 |
| Memoranda: | ||
| Average total assets | $403,328,333 | 2,003 |
| Average earning assets | $378,972,667 | 1,984 |
| Average equity | $28,438,000 | 2,336 |
| Average total loans | $222,503,667 | 2,141 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 3,136 |
| Cost of funding earning assets | 0.2269% | 4,334 |
| Net interest margin | 3.9246% | 1,419 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.5215% | 2,191 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1137% | 2,182 |
| Return on assets (ROA) | 1.1325% | 2,088 |
| Pretax return on assets | 1.5004% | 1,670 |
| Return on Equity (ROE) | 16.1200% | 1,332 |
| Retained earnings to average equity (ytd only) | 16.1229% | 680 |
| Net charge-offs to loans | -0.0055% | 3,667 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.0689% | 2,559 |
| Assets per employee ($millions) | 7.3817% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 2,633 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 52.9400% | 3,282 |
| Net loans and leases to deposits | 57.5528% | 3,476 |
| Net loans and leases to core deposits | 57.8295% | 3,637 |
| Total domestic deposits to total assets | 91.9900% | 518 |
| Equity capital to assets | 7.3489% | 3,649 |
| Core capital (leverage) ratio | 9.1427% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9053% | 1,393 |
| Memoranda: | ||
| Average total assets | $402,293,000 | 2,035 |
| Average earning assets | $379,047,500 | 2,003 |
| Average equity | $28,258,000 | 2,375 |
| Average total loans | $219,287,000 | 2,175 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5831% | 2,849 |
| Cost of funding earning assets | 0.0926% | 4,422 |
| Net interest margin | 3.4905% | 1,957 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.3334% | 2,634 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.9261% | 2,860 |
| Return on assets (ROA) | 0.9250% | 2,806 |
| Pretax return on assets | 1.2457% | 2,290 |
| Return on Equity (ROE) | 13.4400% | 1,672 |
| Retained earnings to average equity (ytd only) | 11.4133% | 806 |
| Net charge-offs to loans | -0.0014% | 3,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.5379% | 2,288 |
| Assets per employee ($millions) | 7.3814% | 1,696 |
| Cash dividends to net income (ytd only)* | 15.0800% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 2,547 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 54.8100% | 3,134 |
| Net loans and leases to deposits | 59.1609% | 3,384 |
| Net loans and leases to core deposits | 59.5295% | 3,535 |
| Total domestic deposits to total assets | 92.6500% | 478 |
| Equity capital to assets | 6.6935% | 3,818 |
| Core capital (leverage) ratio | 8.7649% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1595% | 1,584 |
| Memoranda: | ||
| Average total assets | $412,229,400 | 1,979 |
| Average earning assets | $388,686,200 | 1,951 |
| Average equity | $28,370,400 | 2,411 |
| Average total loans | $215,775,000 | 2,128 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4095% | 2,891 |
| Cost of funding earning assets | 0.0931% | 4,334 |
| Net interest margin | 3.3163% | 2,250 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.2564% | 2,773 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8326% | 3,122 |
| Return on assets (ROA) | 0.8295% | 3,103 |
| Pretax return on assets | 1.1227% | 2,651 |
| Return on Equity (ROE) | 11.9700% | 2,043 |
| Retained earnings to average equity (ytd only) | 9.3122% | 1,551 |
| Net charge-offs to loans | -0.0006% | 3,142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.6983% | 2,195 |
| Assets per employee ($millions) | 7.3216% | 1,731 |
| Cash dividends to net income (ytd only)* | 22.2351% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,546 |
| Loan loss allowance to noncurrent loans | 1,405.8201% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 3,450 |
| Noncurrent loans to loans | 0.0852% | 3,266 |
| Net loans and leases to total assets | 52.5400% | 3,229 |
| Net loans and leases to deposits | 56.2311% | 3,457 |
| Net loans and leases to core deposits | 56.8531% | 3,570 |
| Total domestic deposits to total assets | 93.4300% | 461 |
| Equity capital to assets | 5.8199% | 4,024 |
| Core capital (leverage) ratio | 8.3683% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9999% | 1,712 |
| Memoranda: | ||
| Average total assets | $415,638,250 | 1,978 |
| Average earning assets | $392,271,750 | 1,953 |
| Average equity | $28,793,000 | 2,419 |
| Average total loans | $214,456,000 | 2,139 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2349% | 2,940 |
| Cost of funding earning assets | 0.0936% | 4,260 |
| Net interest margin | 3.1413% | 2,398 |
| Noninterest income to average assets | 0.2477% | 3,688 |
| Noninterest expense to average assets | 2.2704% | 2,632 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6993% | 3,314 |
| Return on assets (ROA) | 0.6943% | 3,282 |
| Pretax return on assets | 0.9459% | 2,913 |
| Return on Equity (ROE) | 9.5132% | 2,519 |
| Retained earnings to average equity (ytd only) | 5.7172% | 2,427 |
| Net charge-offs to loans | 0.0028% | 1,973 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 658.6667% | 208 |
| Efficiency ratio | 70.4545% | 1,893 |
| Assets per employee ($millions) | 7.3507% | 1,699 |
| Cash dividends to net income (ytd only)* | 39.9028% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,382 |
| Loan loss allowance to noncurrent loans | 209.5577% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 1,794 |
| Noncurrent loans to loans | 0.6009% | 1,409 |
| Net loans and leases to total assets | 49.6518% | 3,408 |
| Net loans and leases to deposits | 53.4577% | 3,571 |
| Net loans and leases to core deposits | 54.1663% | 3,685 |
| Total domestic deposits to total assets | 92.8805% | 546 |
| Equity capital to assets | 6.4297% | 4,045 |
| Core capital (leverage) ratio | 8.1965% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6195% | 1,827 |
| Memoranda: | ||
| Average total assets | $415,074,667 | 1,992 |
| Average earning assets | $393,089,333 | 1,971 |
| Average equity | $30,294,667 | 2,401 |
| Average total loans | $211,970,667 | 2,157 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0330% | 3,156 |
| Cost of funding earning assets | 0.0928% | 4,232 |
| Net interest margin | 2.9402% | 2,707 |
| Noninterest income to average assets | 0.2353% | 3,732 |
| Noninterest expense to average assets | 2.3403% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5019% | 3,712 |
| Return on assets (ROA) | 0.4957% | 3,691 |
| Pretax return on assets | 0.6787% | 3,450 |
| Return on Equity (ROE) | 6.4056% | 3,215 |
| Retained earnings to average equity (ytd only) | 6.4056% | 2,107 |
| Net charge-offs to loans | -0.0094% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3193% | 1,367 |
| Assets per employee ($millions) | 6.9712% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,546 |
| Loan loss allowance to noncurrent loans | 131.5373% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 1,222 |
| Noncurrent loans to loans | 0.9580% | 947 |
| Net loans and leases to total assets | 50.6938% | 3,103 |
| Net loans and leases to deposits | 55.1067% | 3,336 |
| Net loans and leases to core deposits | 56.0842% | 3,440 |
| Total domestic deposits to total assets | 91.9920% | 579 |
| Equity capital to assets | 7.3606% | 4,010 |
| Core capital (leverage) ratio | 8.3067% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1397% | 1,754 |
| Memoranda: | ||
| Average total assets | $413,116,000 | 2,003 |
| Average earning assets | $392,224,500 | 1,981 |
| Average equity | $31,972,000 | 2,386 |
| Average total loans | $212,611,000 | 2,156 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6926% | 2,134 |
| Cost of funding earning assets | 0.1153% | 4,272 |
| Net interest margin | 3.5773% | 1,528 |
| Noninterest income to average assets | 0.2510% | 3,864 |
| Noninterest expense to average assets | 2.5264% | 2,105 |
| Loan and lease loss provision to assets | 0.0796% | 1,541 |
| Net operating income to assets | 0.7862% | 3,371 |
| Return on assets (ROA) | 0.7915% | 3,426 |
| Pretax return on assets | 1.0440% | 3,143 |
| Return on Equity (ROE) | 9.6152% | 2,669 |
| Retained earnings to average equity (ytd only) | 7.5200% | 1,713 |
| Net charge-offs to loans | 0.0111% | 2,148 |
| Credit loss provision to net charge-offs | 1,153.8462% | 480 |
| Earnings coverage of net charge-offs (x) | 161.9231% | 623 |
| Efficiency ratio | 69.3417% | 1,813 |
| Assets per employee ($millions) | 7.0328% | 1,905 |
| Cash dividends to net income (ytd only)* | 21.7901% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,668 |
| Loan loss allowance to noncurrent loans | 111.5029% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 1,153 |
| Noncurrent loans to loans | 1.1128% | 872 |
| Net loans and leases to total assets | 50.9485% | 3,179 |
| Net loans and leases to deposits | 55.8452% | 3,435 |
| Net loans and leases to core deposits | 56.8987% | 3,557 |
| Total domestic deposits to total assets | 91.2316% | 410 |
| Equity capital to assets | 8.1146% | 4,295 |
| Core capital (leverage) ratio | 8.2618% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2251% | 1,767 |
| Memoranda: | ||
| Average total assets | $376,900,200 | 2,075 |
| Average earning assets | $357,416,600 | 2,052 |
| Average equity | $31,023,800 | 2,470 |
| Average total loans | $234,084,400 | 2,024 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8562% | 1,897 |
| Cost of funding earning assets | 0.1184% | 4,364 |
| Net interest margin | 3.7378% | 1,255 |
| Noninterest income to average assets | 0.2537% | 3,876 |
| Noninterest expense to average assets | 2.5473% | 1,982 |
| Loan and lease loss provision to assets | 0.1089% | 1,110 |
| Net operating income to assets | 0.8552% | 3,373 |
| Return on assets (ROA) | 0.8601% | 3,418 |
| Pretax return on assets | 1.1439% | 3,091 |
| Return on Equity (ROE) | 10.4074% | 2,588 |
| Retained earnings to average equity (ytd only) | 7.5531% | 2,201 |
| Net charge-offs to loans | -0.0089% | 3,628 |
| Credit loss provision to net charge-offs | -1,875.0000% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1418% | 1,950 |
| Assets per employee ($millions) | 6.8152% | 2,004 |
| Cash dividends to net income (ytd only)* | 27.4262% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 3,058 |
| Loan loss allowance to noncurrent loans | 212.4409% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 2,185 |
| Noncurrent loans to loans | 0.5575% | 1,924 |
| Net loans and leases to total assets | 55.9850% | 2,727 |
| Net loans and leases to deposits | 61.1977% | 3,123 |
| Net loans and leases to core deposits | 62.2724% | 3,291 |
| Total domestic deposits to total assets | 91.4822% | 238 |
| Equity capital to assets | 7.7529% | 4,635 |
| Core capital (leverage) ratio | 8.0297% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7930% | 2,433 |
| Memoranda: | ||
| Average total assets | $367,392,000 | 2,136 |
| Average earning assets | $347,969,250 | 2,108 |
| Average equity | $30,362,250 | 2,540 |
| Average total loans | $239,091,000 | 2,032 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 1,555 |
| Cost of funding earning assets | 0.1237% | 4,409 |
| Net interest margin | 3.8808% | 1,009 |
| Noninterest income to average assets | 0.2541% | 3,874 |
| Noninterest expense to average assets | 2.6238% | 1,797 |
| Loan and lease loss provision to assets | 0.1686% | 689 |
| Net operating income to assets | 0.8462% | 3,378 |
| Return on assets (ROA) | 0.8515% | 3,436 |
| Pretax return on assets | 1.1376% | 3,095 |
| Return on Equity (ROE) | 10.0692% | 2,718 |
| Retained earnings to average equity (ytd only) | 6.5799% | 2,590 |
| Net charge-offs to loans | -0.0099% | 3,663 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8768% | 2,031 |
| Assets per employee ($millions) | 6.2900% | 2,344 |
| Cash dividends to net income (ytd only)* | 34.6535% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 3,271 |
| Loan loss allowance to noncurrent loans | 244.0217% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 2,438 |
| Noncurrent loans to loans | 0.4644% | 2,283 |
| Net loans and leases to total assets | 63.3335% | 2,029 |
| Net loans and leases to deposits | 69.2377% | 2,491 |
| Net loans and leases to core deposits | 70.6095% | 2,723 |
| Total domestic deposits to total assets | 91.4726% | 234 |
| Equity capital to assets | 8.1957% | 4,434 |
| Core capital (leverage) ratio | 8.3340% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $355,823,667 | 2,179 |
| Average earning assets | $336,427,000 | 2,158 |
| Average equity | $30,091,667 | 2,546 |
| Average total loans | $242,850,667 | 2,009 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0524% | 1,503 |
| Cost of funding earning assets | 0.1290% | 4,464 |
| Net interest margin | 3.9234% | 948 |
| Noninterest income to average assets | 0.2539% | 3,878 |
| Noninterest expense to average assets | 2.6986% | 1,620 |
| Loan and lease loss provision to assets | 0.3446% | 242 |
| Net operating income to assets | 0.6752% | 3,769 |
| Return on assets (ROA) | 0.6870% | 3,807 |
| Pretax return on assets | 0.9294% | 3,539 |
| Return on Equity (ROE) | 7.9920% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.9920% | 2,241 |
| Net charge-offs to loans | -0.0049% | 3,384 |
| Credit loss provision to net charge-offs | -10,000.0000% | 3,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1858% | 1,911 |
| Assets per employee ($millions) | 6.1683% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 3,588 |
| Loan loss allowance to noncurrent loans | 247.1021% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 2,613 |
| Noncurrent loans to loans | 0.4316% | 2,564 |
| Net loans and leases to total assets | 69.6419% | 1,339 |
| Net loans and leases to deposits | 76.3138% | 1,876 |
| Net loans and leases to core deposits | 77.4819% | 2,226 |
| Total domestic deposits to total assets | 91.2572% | 311 |
| Equity capital to assets | 8.4275% | 4,175 |
| Core capital (leverage) ratio | 8.7103% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,180,500 | 2,199 |
| Average earning assets | $328,694,500 | 2,179 |
| Average equity | $29,930,000 | 2,551 |
| Average total loans | $245,410,500 | 1,990 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 1,952 |
| Cost of funding earning assets | 0.1684% | 4,680 |
| Net interest margin | 4.1021% | 779 |
| Noninterest income to average assets | 0.2838% | 3,790 |
| Noninterest expense to average assets | 2.9351% | 1,588 |
| Loan and lease loss provision to assets | 0.1281% | 2,761 |
| Net operating income to assets | 0.7698% | 3,203 |
| Return on assets (ROA) | 0.7688% | 3,332 |
| Pretax return on assets | 1.0677% | 2,823 |
| Return on Equity (ROE) | 8.1934% | 2,741 |
| Retained earnings to average equity (ytd only) | 6.6178% | 1,539 |
| Net charge-offs to loans | 0.0161% | 2,777 |
| Credit loss provision to net charge-offs | 1,114.2857% | 722 |
| Earnings coverage of net charge-offs (x) | 104.1143% | 764 |
| Efficiency ratio | 71.0288% | 1,806 |
| Assets per employee ($millions) | 5.7390% | 2,590 |
| Cash dividends to net income (ytd only)* | 19.2308% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,880 |
| Loan loss allowance to noncurrent loans | 219.1352% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 2,714 |
| Noncurrent loans to loans | 0.4548% | 2,604 |
| Net loans and leases to total assets | 69.8764% | 1,581 |
| Net loans and leases to deposits | 76.8663% | 2,188 |
| Net loans and leases to core deposits | 78.1025% | 2,539 |
| Total domestic deposits to total assets | 90.9064% | 248 |
| Equity capital to assets | 8.7743% | 4,243 |
| Core capital (leverage) ratio | 8.7331% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,388,400 | 2,276 |
| Average earning assets | $285,562,000 | 2,257 |
| Average equity | $28,559,400 | 2,565 |
| Average total loans | $216,777,800 | 2,125 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 2,285 |
| Cost of funding earning assets | 0.1777% | 4,734 |
| Net interest margin | 4.0603% | 977 |
| Noninterest income to average assets | 0.2920% | 3,737 |
| Noninterest expense to average assets | 2.9281% | 1,619 |
| Loan and lease loss provision to assets | 0.0450% | 3,794 |
| Net operating income to assets | 0.8125% | 3,045 |
| Return on assets (ROA) | 0.8090% | 3,178 |
| Pretax return on assets | 1.1236% | 2,668 |
| Return on Equity (ROE) | 8.4652% | 2,613 |
| Retained earnings to average equity (ytd only) | 6.3430% | 1,950 |
| Net charge-offs to loans | 0.0145% | 2,600 |
| Credit loss provision to net charge-offs | 434.7826% | 1,395 |
| Earnings coverage of net charge-offs (x) | 113.1739% | 728 |
| Efficiency ratio | 71.3956% | 1,710 |
| Assets per employee ($millions) | 5.4576% | 2,748 |
| Cash dividends to net income (ytd only)* | 25.0696% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 4,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 74.2785% | 1,340 |
| Net loans and leases to deposits | 81.9555% | 2,104 |
| Net loans and leases to core deposits | 83.0352% | 2,580 |
| Total domestic deposits to total assets | 90.6327% | 254 |
| Equity capital to assets | 8.9044% | 4,183 |
| Core capital (leverage) ratio | 8.9230% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,835,000 | 2,298 |
| Average earning assets | $277,541,750 | 2,285 |
| Average equity | $28,271,750 | 2,577 |
| Average total loans | $211,226,000 | 2,156 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 2,325 |
| Cost of funding earning assets | 0.1911% | 4,783 |
| Net interest margin | 4.1645% | 990 |
| Noninterest income to average assets | 0.2818% | 3,780 |
| Noninterest expense to average assets | 3.0341% | 1,497 |
| Loan and lease loss provision to assets | 0.0280% | 3,904 |
| Net operating income to assets | 0.8040% | 3,034 |
| Return on assets (ROA) | 0.7985% | 3,163 |
| Pretax return on assets | 1.1083% | 2,691 |
| Return on Equity (ROE) | 8.1426% | 2,688 |
| Retained earnings to average equity (ytd only) | 4.9256% | 2,513 |
| Net charge-offs to loans | 0.0270% | 2,180 |
| Credit loss provision to net charge-offs | 148.1481% | 2,138 |
| Earnings coverage of net charge-offs (x) | 60.4074% | 963 |
| Efficiency ratio | 72.6296% | 1,608 |
| Assets per employee ($millions) | 6.3611% | 1,895 |
| Cash dividends to net income (ytd only)* | 39.5083% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 4,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 70.0105% | 2,027 |
| Net loans and leases to deposits | 79.7199% | 2,463 |
| Net loans and leases to core deposits | 80.7166% | 2,895 |
| Total domestic deposits to total assets | 87.8206% | 1,277 |
| Equity capital to assets | 8.6284% | 4,405 |
| Core capital (leverage) ratio | 9.0919% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,294,333 | 2,335 |
| Average earning assets | $266,876,333 | 2,325 |
| Average equity | $27,976,333 | 2,585 |
| Average total loans | $199,856,667 | 2,223 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7492% | 1,559 |
| Cost of funding earning assets | 0.2098% | 4,871 |
| Net interest margin | 4.5394% | 458 |
| Noninterest income to average assets | 0.3260% | 3,567 |
| Noninterest expense to average assets | 3.1506% | 1,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0026% | 2,162 |
| Return on assets (ROA) | 0.9857% | 2,326 |
| Pretax return on assets | 1.3727% | 1,646 |
| Return on Equity (ROE) | 9.3450% | 1,983 |
| Retained earnings to average equity (ytd only) | 9.3450% | 887 |
| Net charge-offs to loans | -0.0284% | 4,455 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3262% | 2,460 |
| Assets per employee ($millions) | 5.0342% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 3,037 |
| Loan loss allowance to noncurrent loans | 1,478.2609% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 4,326 |
| Noncurrent loans to loans | 0.0765% | 4,208 |
| Net loans and leases to total assets | 68.0949% | 2,523 |
| Net loans and leases to deposits | 76.7829% | 3,002 |
| Net loans and leases to core deposits | 77.9837% | 3,355 |
| Total domestic deposits to total assets | 88.6850% | 807 |
| Equity capital to assets | 10.8134% | 3,035 |
| Core capital (leverage) ratio | 10.6411% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,552,000 | 2,415 |
| Average earning assets | $243,997,500 | 2,419 |
| Average equity | $27,694,000 | 2,595 |
| Average total loans | $182,975,000 | 2,328 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9246% | 1,684 |
| Cost of funding earning assets | 0.2144% | 4,925 |
| Net interest margin | 4.7102% | 460 |
| Noninterest income to average assets | 0.3378% | 3,687 |
| Noninterest expense to average assets | 3.1061% | 1,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1322% | 2,325 |
| Return on assets (ROA) | 1.1341% | 2,415 |
| Pretax return on assets | 1.5796% | 1,545 |
| Return on Equity (ROE) | 10.5536% | 2,063 |
| Retained earnings to average equity (ytd only) | -1.2452% | 4,827 |
| Net charge-offs to loans | -0.0078% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3224% | 2,722 |
| Assets per employee ($millions) | 5.2666% | 2,277 |
| Cash dividends to net income (ytd only)* | 111.7991% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 3,001 |
| Loan loss allowance to noncurrent loans | 1,468.8406% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 4,372 |
| Noncurrent loans to loans | 0.0743% | 4,228 |
| Net loans and leases to total assets | 69.7332% | 2,446 |
| Net loans and leases to deposits | 78.0793% | 2,995 |
| Net loans and leases to core deposits | 79.0212% | 3,377 |
| Total domestic deposits to total assets | 89.3107% | 556 |
| Equity capital to assets | 10.2841% | 3,637 |
| Core capital (leverage) ratio | 10.1745% | 3,331 |
| Tier 1 risk-based capital ratio | 12.6809% | 3,960 |
| Total risk-based capital ratio | 13.6582% | 3,995 |
| Memoranda: | ||
| Average total assets | $256,334,200 | 2,416 |
| Average earning assets | $236,484,800 | 2,432 |
| Average equity | $27,545,000 | 2,527 |
| Average total loans | $179,734,200 | 2,320 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 1,758 |
| Cost of funding earning assets | 0.2154% | 5,005 |
| Net interest margin | 4.7062% | 495 |
| Noninterest income to average assets | 0.3257% | 3,794 |
| Noninterest expense to average assets | 3.1360% | 1,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0972% | 2,577 |
| Return on assets (ROA) | 1.0993% | 2,666 |
| Pretax return on assets | 1.5287% | 1,876 |
| Return on Equity (ROE) | 10.1175% | 2,380 |
| Retained earnings to average equity (ytd only) | 7.4664% | 1,642 |
| Net charge-offs to loans | -0.0082% | 4,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2658% | 2,533 |
| Assets per employee ($millions) | 5.1741% | 2,370 |
| Cash dividends to net income (ytd only)* | 26.2031% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 2,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.2641% | 2,748 |
| Net loans and leases to deposits | 77.1378% | 3,185 |
| Net loans and leases to core deposits | 78.1579% | 3,539 |
| Total domestic deposits to total assets | 88.4963% | 829 |
| Equity capital to assets | 10.9436% | 3,147 |
| Core capital (leverage) ratio | 11.3138% | 2,368 |
| Tier 1 risk-based capital ratio | 13.7439% | 3,454 |
| Total risk-based capital ratio | 14.7338% | 3,489 |
| Memoranda: | ||
| Average total assets | $254,585,750 | 2,448 |
| Average earning assets | $234,579,750 | 2,460 |
| Average equity | $27,661,000 | 2,528 |
| Average total loans | $178,254,250 | 2,363 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9044% | 1,739 |
| Cost of funding earning assets | 0.2192% | 5,034 |
| Net interest margin | 4.6852% | 505 |
| Noninterest income to average assets | 0.3277% | 3,750 |
| Noninterest expense to average assets | 3.1564% | 1,600 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0704% | 2,648 |
| Return on assets (ROA) | 1.0704% | 2,710 |
| Pretax return on assets | 1.4879% | 1,898 |
| Return on Equity (ROE) | 9.8770% | 2,450 |
| Retained earnings to average equity (ytd only) | 5.8411% | 2,354 |
| Net charge-offs to loans | -0.0068% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9623% | 2,537 |
| Assets per employee ($millions) | 4.8399% | 2,686 |
| Cash dividends to net income (ytd only)* | 40.8618% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 3,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 70.2219% | 2,499 |
| Net loans and leases to deposits | 79.6499% | 2,992 |
| Net loans and leases to core deposits | 80.7341% | 3,363 |
| Total domestic deposits to total assets | 88.1632% | 1,023 |
| Equity capital to assets | 10.9378% | 3,141 |
| Core capital (leverage) ratio | 11.2152% | 2,407 |
| Tier 1 risk-based capital ratio | 13.4924% | 3,587 |
| Total risk-based capital ratio | 14.4886% | 3,625 |
| Memoranda: | ||
| Average total assets | $251,487,330 | 2,481 |
| Average earning assets | $231,709,670 | 2,487 |
| Average equity | $27,255,330 | 2,551 |
| Average total loans | $176,952,330 | 2,378 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 1,822 |
| Cost of funding earning assets | 0.1903% | 5,137 |
| Net interest margin | 4.6399% | 562 |
| Noninterest income to average assets | 0.3245% | 3,690 |
| Noninterest expense to average assets | 3.2212% | 1,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9881% | 2,896 |
| Return on assets (ROA) | 0.9881% | 2,933 |
| Pretax return on assets | 1.3720% | 2,181 |
| Return on Equity (ROE) | 9.1605% | 2,726 |
| Retained earnings to average equity (ytd only) | 9.1605% | 1,256 |
| Net charge-offs to loans | -0.0069% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1294% | 2,317 |
| Assets per employee ($millions) | 4.6567% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 2,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 70.9202% | 2,338 |
| Net loans and leases to deposits | 80.9114% | 2,739 |
| Net loans and leases to core deposits | 81.9643% | 3,187 |
| Total domestic deposits to total assets | 87.6517% | 1,497 |
| Equity capital to assets | 11.0732% | 2,777 |
| Core capital (leverage) ratio | 11.3211% | 2,272 |
| Tier 1 risk-based capital ratio | 13.7081% | 3,492 |
| Total risk-based capital ratio | 14.7281% | 3,525 |
| Memoranda: | ||
| Average total assets | $248,974,000 | 2,524 |
| Average earning assets | $229,058,000 | 2,527 |
| Average equity | $26,854,500 | 2,580 |
| Average total loans | $174,354,500 | 2,430 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 2,116 |
| Cost of funding earning assets | 0.1773% | 5,087 |
| Net interest margin | 4.4278% | 881 |
| Noninterest income to average assets | 1.0129% | 921 |
| Noninterest expense to average assets | 3.1175% | 1,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4199% | 1,363 |
| Return on assets (ROA) | 1.4448% | 1,283 |
| Pretax return on assets | 2.0156% | 544 |
| Return on Equity (ROE) | 15.3207% | 766 |
| Retained earnings to average equity (ytd only) | 13.5684% | 190 |
| Net charge-offs to loans | -0.0084% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1081% | 3,675 |
| Assets per employee ($millions) | 4.7386% | 2,823 |
| Cash dividends to net income (ytd only)* | 11.4370% | 3,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 2,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 67.5493% | 2,936 |
| Net loans and leases to deposits | 77.4774% | 3,230 |
| Net loans and leases to core deposits | 78.1404% | 3,570 |
| Total domestic deposits to total assets | 87.1858% | 1,692 |
| Equity capital to assets | 10.5039% | 3,187 |
| Core capital (leverage) ratio | 11.0901% | 2,447 |
| Tier 1 risk-based capital ratio | 13.6215% | 3,481 |
| Total risk-based capital ratio | 14.6553% | 3,499 |
| Memoranda: | ||
| Average total assets | $257,194,200 | 2,425 |
| Average earning assets | $237,497,200 | 2,432 |
| Average equity | $24,254,800 | 2,702 |
| Average total loans | $166,516,000 | 2,469 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5220% | 2,222 |
| Cost of funding earning assets | 0.1676% | 5,154 |
| Net interest margin | 4.3544% | 1,001 |
| Noninterest income to average assets | 0.9199% | 1,140 |
| Noninterest expense to average assets | 3.1118% | 1,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3162% | 1,795 |
| Return on assets (ROA) | 1.3528% | 1,662 |
| Pretax return on assets | 1.8842% | 844 |
| Return on Equity (ROE) | 14.7529% | 928 |
| Retained earnings to average equity (ytd only) | 12.3644% | 433 |
| Net charge-offs to loans | -0.0081% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8696% | 3,364 |
| Assets per employee ($millions) | 4.3800% | 3,306 |
| Cash dividends to net income (ytd only)* | 16.1904% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 68.4402% | 2,874 |
| Net loans and leases to deposits | 76.6742% | 3,356 |
| Net loans and leases to core deposits | 77.3410% | 3,708 |
| Total domestic deposits to total assets | 89.2610% | 749 |
| Equity capital to assets | 10.2429% | 3,407 |
| Core capital (leverage) ratio | 10.5548% | 3,027 |
| Tier 1 risk-based capital ratio | 13.3007% | 3,728 |
| Total risk-based capital ratio | 14.3505% | 3,761 |
| Memoranda: | ||
| Average total assets | $258,706,750 | 2,420 |
| Average earning assets | $239,414,250 | 2,426 |
| Average equity | $23,723,500 | 2,766 |
| Average total loans | $165,230,250 | 2,496 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3625% | 2,533 |
| Cost of funding earning assets | 0.1528% | 5,234 |
| Net interest margin | 4.2097% | 1,266 |
| Noninterest income to average assets | 1.1457% | 738 |
| Noninterest expense to average assets | 3.0728% | 1,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4102% | 1,399 |
| Return on assets (ROA) | 1.4102% | 1,403 |
| Pretax return on assets | 1.9672% | 651 |
| Return on Equity (ROE) | 15.9444% | 684 |
| Retained earnings to average equity (ytd only) | 12.3129% | 474 |
| Net charge-offs to loans | -0.0061% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9687% | 3,771 |
| Assets per employee ($millions) | 4.5539% | 3,046 |
| Cash dividends to net income (ytd only)* | 22.7760% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 65.8993% | 3,169 |
| Net loans and leases to deposits | 77.8093% | 3,178 |
| Net loans and leases to core deposits | 78.3102% | 3,554 |
| Total domestic deposits to total assets | 84.6934% | 2,797 |
| Equity capital to assets | 9.5809% | 4,026 |
| Core capital (leverage) ratio | 9.6962% | 3,891 |
| Tier 1 risk-based capital ratio | 12.8329% | 3,993 |
| Total risk-based capital ratio | 13.8748% | 4,012 |
| Memoranda: | ||
| Average total assets | $264,643,000 | 2,388 |
| Average earning assets | $244,816,000 | 2,396 |
| Average equity | $23,406,330 | 2,802 |
| Average total loans | $164,680,670 | 2,508 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 2,809 |
| Cost of funding earning assets | 0.1211% | 5,386 |
| Net interest margin | 4.1026% | 1,433 |
| Noninterest income to average assets | 0.2620% | 4,428 |
| Noninterest expense to average assets | 3.0074% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7610% | 3,873 |
| Return on assets (ROA) | 0.7610% | 3,869 |
| Pretax return on assets | 1.0437% | 3,381 |
| Return on Equity (ROE) | 8.9481% | 2,927 |
| Retained earnings to average equity (ytd only) | 6.7846% | 2,372 |
| Net charge-offs to loans | -0.0049% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2369% | 1,867 |
| Assets per employee ($millions) | 4.6017% | 2,995 |
| Cash dividends to net income (ytd only)* | 24.1779% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 2,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 59.6820% | 3,781 |
| Net loans and leases to deposits | 65.4268% | 4,131 |
| Net loans and leases to core deposits | 66.0708% | 4,300 |
| Total domestic deposits to total assets | 91.2195% | 253 |
| Equity capital to assets | 8.4726% | 4,995 |
| Core capital (leverage) ratio | 9.0291% | 4,651 |
| Tier 1 risk-based capital ratio | 12.2808% | 4,392 |
| Total risk-based capital ratio | 13.3201% | 4,400 |
| Memoranda: | ||
| Average total assets | $271,731,000 | 2,357 |
| Average earning assets | $250,962,500 | 2,369 |
| Average equity | $23,111,000 | 2,855 |
| Average total loans | $163,491,500 | 2,536 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 2,879 |
| Cost of funding earning assets | 0.1263% | 5,379 |
| Net interest margin | 4.0250% | 1,670 |
| Noninterest income to average assets | 0.2836% | 4,431 |
| Noninterest expense to average assets | 2.9068% | 2,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5757% | 4,113 |
| Return on assets (ROA) | 0.5630% | 4,208 |
| Pretax return on assets | 1.0718% | 3,293 |
| Return on Equity (ROE) | 6.4713% | 3,543 |
| Retained earnings to average equity (ytd only) | 6.0320% | 1,523 |
| Net charge-offs to loans | -0.1143% | 5,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6986% | 2,124 |
| Assets per employee ($millions) | 4.6095% | 3,013 |
| Cash dividends to net income (ytd only)* | 6.7889% | 4,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 2,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 59.1805% | 3,908 |
| Net loans and leases to deposits | 64.9040% | 4,266 |
| Net loans and leases to core deposits | 65.4706% | 4,446 |
| Total domestic deposits to total assets | 91.1815% | 201 |
| Equity capital to assets | 8.5376% | 5,094 |
| Core capital (leverage) ratio | 8.8439% | 4,817 |
| Tier 1 risk-based capital ratio | 12.1136% | 4,451 |
| Total risk-based capital ratio | 13.1555% | 4,471 |
| Memoranda: | ||
| Average total assets | $261,623,800 | 2,402 |
| Average earning assets | $241,463,600 | 2,414 |
| Average equity | $22,762,000 | 2,882 |
| Average total loans | $149,596,400 | 2,659 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0977% | 2,992 |
| Cost of funding earning assets | 0.1282% | 5,437 |
| Net interest margin | 3.9695% | 1,805 |
| Noninterest income to average assets | 0.2903% | 4,453 |
| Noninterest expense to average assets | 2.8757% | 2,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6681% | 4,129 |
| Return on assets (ROA) | 0.6681% | 4,187 |
| Pretax return on assets | 1.0799% | 3,383 |
| Return on Equity (ROE) | 7.6415% | 3,323 |
| Retained earnings to average equity (ytd only) | 7.0528% | 1,664 |
| Net charge-offs to loans | -0.1568% | 5,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7001% | 2,098 |
| Assets per employee ($millions) | 4.5651% | 3,023 |
| Cash dividends to net income (ytd only)* | 7.7042% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 59.9560% | 3,871 |
| Net loans and leases to deposits | 66.0513% | 4,251 |
| Net loans and leases to core deposits | 66.7877% | 4,439 |
| Total domestic deposits to total assets | 90.7718% | 237 |
| Equity capital to assets | 8.8271% | 5,057 |
| Core capital (leverage) ratio | 8.9196% | 4,837 |
| Tier 1 risk-based capital ratio | 12.0330% | 4,585 |
| Total risk-based capital ratio | 13.0824% | 4,611 |
| Memoranda: | ||
| Average total assets | $259,039,000 | 2,438 |
| Average earning assets | $239,186,000 | 2,447 |
| Average equity | $22,647,750 | 2,911 |
| Average total loans | $146,258,750 | 2,712 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 3,120 |
| Cost of funding earning assets | 0.1292% | 5,452 |
| Net interest margin | 3.8951% | 1,945 |
| Noninterest income to average assets | 0.2715% | 4,608 |
| Noninterest expense to average assets | 2.8500% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6254% | 4,183 |
| Return on assets (ROA) | 0.6254% | 4,233 |
| Pretax return on assets | 1.0104% | 3,525 |
| Return on Equity (ROE) | 7.1765% | 3,465 |
| Retained earnings to average equity (ytd only) | 6.2839% | 1,970 |
| Net charge-offs to loans | -0.2432% | 5,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8263% | 2,045 |
| Assets per employee ($millions) | 4.6482% | 2,866 |
| Cash dividends to net income (ytd only)* | 12.4378% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 2,374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 5,019 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 56.9149% | 4,133 |
| Net loans and leases to deposits | 62.5404% | 4,467 |
| Net loans and leases to core deposits | 63.3023% | 4,648 |
| Total domestic deposits to total assets | 91.0050% | 224 |
| Equity capital to assets | 8.6613% | 5,180 |
| Core capital (leverage) ratio | 8.8936% | 4,851 |
| Tier 1 risk-based capital ratio | 12.0567% | 4,599 |
| Total risk-based capital ratio | 13.1305% | 4,605 |
| Memoranda: | ||
| Average total assets | $257,126,670 | 2,468 |
| Average earning assets | $236,913,670 | 2,479 |
| Average equity | $22,406,330 | 2,935 |
| Average total loans | $141,429,000 | 2,785 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0417% | 2,897 |
| Cost of funding earning assets | 0.1271% | 5,517 |
| Net interest margin | 3.9146% | 1,729 |
| Noninterest income to average assets | 0.2606% | 4,669 |
| Noninterest expense to average assets | 2.8545% | 2,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6208% | 4,056 |
| Return on assets (ROA) | 0.6208% | 4,108 |
| Pretax return on assets | 1.0063% | 3,348 |
| Return on Equity (ROE) | 7.1017% | 3,364 |
| Retained earnings to average equity (ytd only) | 7.1017% | 1,812 |
| Net charge-offs to loans | 0.1179% | 1,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 15.9250% | 1,657 |
| Efficiency ratio | 73.9362% | 2,241 |
| Assets per employee ($millions) | 4.7474% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 2,614 |
| Loan loss allowance to noncurrent loans | 398.8839% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 4,307 |
| Noncurrent loans to loans | 0.3220% | 3,968 |
| Net loans and leases to total assets | 53.5703% | 4,375 |
| Net loans and leases to deposits | 58.8782% | 4,641 |
| Net loans and leases to core deposits | 59.5548% | 4,799 |
| Total domestic deposits to total assets | 90.9850% | 305 |
| Equity capital to assets | 8.7306% | 5,051 |
| Core capital (leverage) ratio | 9.1270% | 4,571 |
| Tier 1 risk-based capital ratio | 12.8187% | 4,189 |
| Total risk-based capital ratio | 13.8583% | 4,226 |
| Memoranda: | ||
| Average total assets | $253,216,000 | 2,518 |
| Average earning assets | $232,873,000 | 2,528 |
| Average equity | $22,135,500 | 2,972 |
| Average total loans | $135,747,000 | 2,874 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,017 |
| Cost of funding earning assets | 0.1304% | 5,544 |
| Net interest margin | 3.9203% | 1,896 |
| Noninterest income to average assets | 0.3628% | 4,148 |
| Noninterest expense to average assets | 3.1378% | 1,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5113% | 4,585 |
| Return on assets (ROA) | 0.5110% | 4,665 |
| Pretax return on assets | 0.8309% | 4,088 |
| Return on Equity (ROE) | 5.6526% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.6526% | 1,918 |
| Net charge-offs to loans | -0.0273% | 5,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0556% | 1,546 |
| Assets per employee ($millions) | 4.5467% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 2,167 |
| Loan loss allowance to noncurrent loans | 407.8125% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 4,601 |
| Noncurrent loans to loans | 0.3384% | 3,925 |
| Net loans and leases to total assets | 52.2038% | 4,589 |
| Net loans and leases to deposits | 57.3970% | 4,834 |
| Net loans and leases to core deposits | 58.0651% | 4,960 |
| Total domestic deposits to total assets | 90.9521% | 292 |
| Equity capital to assets | 8.7531% | 5,063 |
| Core capital (leverage) ratio | 9.1582% | 4,541 |
| Tier 1 risk-based capital ratio | 12.8541% | 4,163 |
| Total risk-based capital ratio | 13.9386% | 4,160 |
| Memoranda: | ||
| Average total assets | $240,106,800 | 2,577 |
| Average earning assets | $220,875,200 | 2,586 |
| Average equity | $21,707,000 | 3,005 |
| Average total loans | $128,225,200 | 2,948 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 3,080 |
| Cost of funding earning assets | 0.1321% | 5,601 |
| Net interest margin | 3.9059% | 1,955 |
| Noninterest income to average assets | 0.2873% | 4,717 |
| Noninterest expense to average assets | 3.3111% | 1,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3612% | 5,143 |
| Return on assets (ROA) | 0.3608% | 5,225 |
| Pretax return on assets | 0.5746% | 4,947 |
| Return on Equity (ROE) | 3.9578% | 4,917 |
| Retained earnings to average equity (ytd only) | 3.9578% | 3,486 |
| Net charge-offs to loans | -0.0304% | 5,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2007% | 884 |
| Assets per employee ($millions) | 4.1888% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 2,217 |
| Loan loss allowance to noncurrent loans | 404.6667% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 4,679 |
| Noncurrent loans to loans | 0.3452% | 4,015 |
| Net loans and leases to total assets | 53.8302% | 4,503 |
| Net loans and leases to deposits | 59.6046% | 4,785 |
| Net loans and leases to core deposits | 60.3768% | 4,914 |
| Total domestic deposits to total assets | 90.3121% | 374 |
| Equity capital to assets | 9.2975% | 4,868 |
| Core capital (leverage) ratio | 9.1710% | 4,636 |
| Tier 1 risk-based capital ratio | 12.8727% | 4,238 |
| Total risk-based capital ratio | 13.9849% | 4,230 |
| Memoranda: | ||
| Average total assets | $237,616,000 | 2,609 |
| Average earning assets | $218,944,500 | 2,618 |
| Average equity | $21,661,500 | 3,036 |
| Average total loans | $127,188,250 | 2,965 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 3,194 |
| Cost of funding earning assets | 0.1342% | 5,654 |
| Net interest margin | 3.8792% | 2,049 |
| Noninterest income to average assets | 0.2883% | 4,724 |
| Noninterest expense to average assets | 3.3326% | 1,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3411% | 5,204 |
| Return on assets (ROA) | 0.3406% | 5,292 |
| Pretax return on assets | 0.5379% | 5,052 |
| Return on Equity (ROE) | 3.7612% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.7612% | 3,498 |
| Net charge-offs to loans | 0.0048% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 307 |
| Efficiency ratio | 86.0845% | 875 |
| Assets per employee ($millions) | 4.1538% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 2,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 54.4464% | 4,466 |
| Net loans and leases to deposits | 60.2639% | 4,779 |
| Net loans and leases to core deposits | 61.0306% | 4,931 |
| Total domestic deposits to total assets | 90.3465% | 370 |
| Equity capital to assets | 9.3130% | 4,961 |
| Core capital (leverage) ratio | 9.1977% | 4,599 |
| Tier 1 risk-based capital ratio | 12.7091% | 4,382 |
| Total risk-based capital ratio | 13.8012% | 4,396 |
| Memoranda: | ||
| Average total assets | $237,234,000 | 2,624 |
| Average earning assets | $219,118,330 | 2,623 |
| Average equity | $21,482,330 | 3,054 |
| Average total loans | $126,135,330 | 2,995 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9566% | 3,378 |
| Cost of funding earning assets | 0.1367% | 5,699 |
| Net interest margin | 3.8199% | 2,223 |
| Noninterest income to average assets | 0.2746% | 4,762 |
| Noninterest expense to average assets | 3.3234% | 1,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3083% | 5,279 |
| Return on assets (ROA) | 0.3083% | 5,364 |
| Pretax return on assets | 0.4817% | 5,137 |
| Return on Equity (ROE) | 3.4531% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.4531% | 3,776 |
| Net charge-offs to loans | -0.0161% | 4,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3395% | 863 |
| Assets per employee ($millions) | 4.1772% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 2,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 52.6361% | 4,566 |
| Net loans and leases to deposits | 58.0521% | 4,850 |
| Net loans and leases to core deposits | 58.7978% | 5,007 |
| Total domestic deposits to total assets | 90.6703% | 373 |
| Equity capital to assets | 9.0281% | 5,145 |
| Core capital (leverage) ratio | 8.9854% | 4,878 |
| Tier 1 risk-based capital ratio | 12.7586% | 4,427 |
| Total risk-based capital ratio | 13.8719% | 4,418 |
| Memoranda: | ||
| Average total assets | $237,468,500 | 2,632 |
| Average earning assets | $219,480,000 | 2,629 |
| Average equity | $21,198,500 | 3,087 |
| Average total loans | $123,853,500 | 3,032 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0147% | 3,258 |
| Cost of funding earning assets | 0.1407% | 5,746 |
| Net interest margin | 3.8739% | 2,116 |
| Noninterest income to average assets | 0.3200% | 4,605 |
| Noninterest expense to average assets | 3.3487% | 1,611 |
| Loan and lease loss provision to assets | -0.1835% | 5,973 |
| Net operating income to assets | 0.4615% | 4,841 |
| Return on assets (ROA) | 0.4615% | 4,917 |
| Pretax return on assets | 0.7363% | 4,417 |
| Return on Equity (ROE) | 4.8863% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.8863% | 2,502 |
| Net charge-offs to loans | -0.2087% | 5,956 |
| Credit loss provision to net charge-offs | 164.7541% | 1,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8313% | 1,006 |
| Assets per employee ($millions) | 4.1550% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 2,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 50.1575% | 4,854 |
| Net loans and leases to deposits | 55.1959% | 5,097 |
| Net loans and leases to core deposits | 55.8068% | 5,213 |
| Total domestic deposits to total assets | 90.8717% | 311 |
| Equity capital to assets | 8.8251% | 5,287 |
| Core capital (leverage) ratio | 9.2531% | 4,541 |
| Tier 1 risk-based capital ratio | 13.0024% | 4,316 |
| Total risk-based capital ratio | 14.1444% | 4,284 |
| Memoranda: | ||
| Average total assets | $219,072,800 | 2,750 |
| Average earning assets | $202,532,800 | 2,753 |
| Average equity | $20,690,600 | 3,107 |
| Average total loans | $116,890,400 | 3,096 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 3,088 |
| Cost of funding earning assets | 0.1429% | 5,830 |
| Net interest margin | 3.9206% | 1,964 |
| Noninterest income to average assets | 0.3435% | 4,476 |
| Noninterest expense to average assets | 3.3595% | 1,563 |
| Loan and lease loss provision to assets | -0.1410% | 6,051 |
| Net operating income to assets | 0.4734% | 4,881 |
| Return on assets (ROA) | 0.4734% | 4,984 |
| Pretax return on assets | 0.7541% | 4,475 |
| Return on Equity (ROE) | 4.9228% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.9228% | 2,965 |
| Net charge-offs to loans | -0.2794% | 6,067 |
| Credit loss provision to net charge-offs | 93.4156% | 2,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5661% | 1,116 |
| Assets per employee ($millions) | 4.0046% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 1,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 51.7441% | 4,776 |
| Net loans and leases to deposits | 57.4903% | 5,035 |
| Net loans and leases to core deposits | 58.1064% | 5,184 |
| Total domestic deposits to total assets | 90.0050% | 561 |
| Equity capital to assets | 9.5773% | 4,663 |
| Core capital (leverage) ratio | 9.6435% | 4,120 |
| Tier 1 risk-based capital ratio | 13.5400% | 4,120 |
| Total risk-based capital ratio | 14.7907% | 4,045 |
| Memoranda: | ||
| Average total assets | $214,632,000 | 2,820 |
| Average earning assets | $198,669,750 | 2,815 |
| Average equity | $20,638,000 | 3,133 |
| Average total loans | $115,967,250 | 3,134 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 2,898 |
| Cost of funding earning assets | 0.1447% | 5,893 |
| Net interest margin | 3.9547% | 1,792 |
| Noninterest income to average assets | 0.3375% | 4,538 |
| Noninterest expense to average assets | 3.3183% | 1,648 |
| Loan and lease loss provision to assets | -0.1758% | 6,165 |
| Net operating income to assets | 0.5433% | 4,584 |
| Return on assets (ROA) | 0.5433% | 4,694 |
| Pretax return on assets | 0.8695% | 4,073 |
| Return on Equity (ROE) | 5.6429% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.6429% | 2,436 |
| Net charge-offs to loans | -0.3397% | 6,143 |
| Credit loss provision to net charge-offs | 94.9239% | 2,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7085% | 1,407 |
| Assets per employee ($millions) | 3.7896% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 1,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 51.2483% | 4,821 |
| Net loans and leases to deposits | 56.8871% | 5,069 |
| Net loans and leases to core deposits | 57.5077% | 5,222 |
| Total domestic deposits to total assets | 90.0878% | 621 |
| Equity capital to assets | 9.5594% | 4,584 |
| Core capital (leverage) ratio | 9.7722% | 3,910 |
| Tier 1 risk-based capital ratio | 13.6270% | 4,148 |
| Total risk-based capital ratio | 14.8780% | 4,071 |
| Memoranda: | ||
| Average total assets | $212,759,000 | 2,856 |
| Average earning assets | $197,689,670 | 2,842 |
| Average equity | $20,486,000 | 3,165 |
| Average total loans | $115,979,000 | 3,155 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 2,650 |
| Cost of funding earning assets | 0.1452% | 5,960 |
| Net interest margin | 3.9997% | 1,553 |
| Noninterest income to average assets | 0.2955% | 4,806 |
| Noninterest expense to average assets | 3.2624% | 1,817 |
| Loan and lease loss provision to assets | -0.3543% | 6,321 |
| Net operating income to assets | 0.7067% | 3,765 |
| Return on assets (ROA) | 0.7067% | 3,891 |
| Pretax return on assets | 1.1443% | 2,885 |
| Return on Equity (ROE) | 7.3121% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.3121% | 1,852 |
| Net charge-offs to loans | -0.6528% | 6,277 |
| Credit loss provision to net charge-offs | 97.3958% | 1,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5049% | 1,829 |
| Assets per employee ($millions) | 4.2254% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 1,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 54.8055% | 4,340 |
| Net loans and leases to deposits | 60.9733% | 4,665 |
| Net loans and leases to core deposits | 61.6551% | 4,861 |
| Total domestic deposits to total assets | 89.8845% | 795 |
| Equity capital to assets | 9.8060% | 4,382 |
| Core capital (leverage) ratio | 9.7573% | 3,941 |
| Tier 1 risk-based capital ratio | 13.5276% | 4,309 |
| Total risk-based capital ratio | 14.7783% | 4,223 |
| Memoranda: | ||
| Average total assets | $211,135,000 | 2,897 |
| Average earning assets | $198,316,500 | 2,855 |
| Average equity | $20,404,500 | 3,187 |
| Average total loans | $117,638,500 | 3,132 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2015% | 2,953 |
| Cost of funding earning assets | 0.1711% | 5,976 |
| Net interest margin | 4.0304% | 1,805 |
| Noninterest income to average assets | 0.3358% | 4,711 |
| Noninterest expense to average assets | 3.5044% | 1,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3729% | 5,314 |
| Return on assets (ROA) | 0.3729% | 5,381 |
| Pretax return on assets | 0.5659% | 5,051 |
| Return on Equity (ROE) | 3.7478% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.7478% | 3,551 |
| Net charge-offs to loans | 0.0745% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 13.2619% | 2,286 |
| Efficiency ratio | 86.0959% | 1,160 |
| Assets per employee ($millions) | 4.0577% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6591% | 1,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 54.7794% | 4,478 |
| Net loans and leases to deposits | 60.7658% | 4,833 |
| Net loans and leases to core deposits | 61.7016% | 5,021 |
| Total domestic deposits to total assets | 90.1484% | 673 |
| Equity capital to assets | 9.5222% | 4,698 |
| Core capital (leverage) ratio | 9.6686% | 4,019 |
| Tier 1 risk-based capital ratio | 13.4389% | 4,450 |
| Total risk-based capital ratio | 14.6900% | 4,385 |
| Memoranda: | ||
| Average total assets | $196,837,400 | 3,036 |
| Average earning assets | $182,388,800 | 3,010 |
| Average equity | $19,584,800 | 3,201 |
| Average total loans | $112,717,000 | 3,163 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 2,946 |
| Cost of funding earning assets | 0.1770% | 6,016 |
| Net interest margin | 4.0366% | 1,763 |
| Noninterest income to average assets | 0.3380% | 4,730 |
| Noninterest expense to average assets | 3.3392% | 1,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4656% | 5,011 |
| Return on assets (ROA) | 0.4656% | 5,090 |
| Pretax return on assets | 0.7263% | 4,603 |
| Return on Equity (ROE) | 4.6252% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.6252% | 3,340 |
| Net charge-offs to loans | 0.1112% | 2,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.3223% | 2,439 |
| Efficiency ratio | 82.1344% | 1,603 |
| Assets per employee ($millions) | 4.1588% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 2,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 57.7567% | 4,107 |
| Net loans and leases to deposits | 64.4929% | 4,483 |
| Net loans and leases to core deposits | 65.5471% | 4,751 |
| Total domestic deposits to total assets | 89.5552% | 959 |
| Equity capital to assets | 10.0000% | 4,166 |
| Core capital (leverage) ratio | 10.2834% | 3,310 |
| Tier 1 risk-based capital ratio | 13.5423% | 4,513 |
| Total risk-based capital ratio | 14.7939% | 4,453 |
| Memoranda: | ||
| Average total assets | $193,296,500 | 3,088 |
| Average earning assets | $178,494,250 | 3,086 |
| Average equity | $19,458,000 | 3,231 |
| Average total loans | $111,512,500 | 3,206 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 2,920 |
| Cost of funding earning assets | 0.1832% | 6,051 |
| Net interest margin | 4.0252% | 1,744 |
| Noninterest income to average assets | 0.3421% | 4,687 |
| Noninterest expense to average assets | 3.2722% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4917% | 4,838 |
| Return on assets (ROA) | 0.4917% | 4,916 |
| Pretax return on assets | 0.7699% | 4,384 |
| Return on Equity (ROE) | 4.8730% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.8730% | 3,034 |
| Net charge-offs to loans | 0.1095% | 2,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 12.2667% | 2,077 |
| Efficiency ratio | 80.9524% | 1,886 |
| Assets per employee ($millions) | 4.0160% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 1,931 |
| Loan loss allowance to noncurrent loans | 6,580.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 6,191 |
| Noncurrent loans to loans | 0.0269% | 5,988 |
| Net loans and leases to total assets | 56.9096% | 4,131 |
| Net loans and leases to deposits | 63.6966% | 4,529 |
| Net loans and leases to core deposits | 64.6809% | 4,755 |
| Total domestic deposits to total assets | 89.3448% | 1,188 |
| Equity capital to assets | 10.2148% | 3,805 |
| Core capital (leverage) ratio | 10.4060% | 3,077 |
| Tier 1 risk-based capital ratio | 13.9615% | 4,279 |
| Total risk-based capital ratio | 15.2135% | 4,221 |
| Memoranda: | ||
| Average total assets | $191,188,670 | 3,135 |
| Average earning assets | $175,740,670 | 3,134 |
| Average equity | $19,290,000 | 3,243 |
| Average total loans | $109,605,000 | 3,252 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 2,923 |
| Cost of funding earning assets | 0.1870% | 6,099 |
| Net interest margin | 3.9998% | 1,764 |
| Noninterest income to average assets | 0.3004% | 4,954 |
| Noninterest expense to average assets | 3.3362% | 1,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4223% | 5,036 |
| Return on assets (ROA) | 0.4223% | 5,104 |
| Pretax return on assets | 0.6492% | 4,666 |
| Return on Equity (ROE) | 4.2117% | 4,925 |
| Retained earnings to average equity (ytd only) | 4.2117% | 3,604 |
| Net charge-offs to loans | 0.0037% | 3,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 309.0000% | 157 |
| Efficiency ratio | 83.7111% | 1,705 |
| Assets per employee ($millions) | 4.4502% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8662% | 1,852 |
| Loan loss allowance to noncurrent loans | 6,776.6667% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 4,827 |
| Noncurrent loans to loans | 0.0275% | 6,075 |
| Net loans and leases to total assets | 55.8668% | 4,158 |
| Net loans and leases to deposits | 62.3625% | 4,510 |
| Net loans and leases to core deposits | 63.1796% | 4,773 |
| Total domestic deposits to total assets | 89.5839% | 1,317 |
| Equity capital to assets | 10.0399% | 3,801 |
| Core capital (leverage) ratio | 10.2964% | 3,176 |
| Tier 1 risk-based capital ratio | 13.7301% | 4,523 |
| Total risk-based capital ratio | 14.9828% | 4,471 |
| Memoranda: | ||
| Average total assets | $190,398,500 | 3,163 |
| Average earning assets | $175,409,000 | 3,155 |
| Average equity | $19,089,500 | 3,266 |
| Average total loans | $108,568,500 | 3,290 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2011% | 3,347 |
| Cost of funding earning assets | 0.2235% | 6,153 |
| Net interest margin | 3.9776% | 2,012 |
| Noninterest income to average assets | 0.3264% | 4,997 |
| Noninterest expense to average assets | 3.3236% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4350% | 5,015 |
| Return on assets (ROA) | 0.4350% | 5,138 |
| Pretax return on assets | 0.6706% | 4,631 |
| Return on Equity (ROE) | 4.1828% | 5,020 |
| Retained earnings to average equity (ytd only) | 4.1828% | 3,198 |
| Net charge-offs to loans | 0.0397% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 28.6667% | 1,229 |
| Efficiency ratio | 83.2102% | 1,724 |
| Assets per employee ($millions) | 4.2098% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8799% | 1,831 |
| Loan loss allowance to noncurrent loans | 261.1040% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 5,021 |
| Noncurrent loans to loans | 0.7200% | 4,166 |
| Net loans and leases to total assets | 56.0415% | 4,313 |
| Net loans and leases to deposits | 62.5350% | 4,673 |
| Net loans and leases to core deposits | 63.3613% | 4,931 |
| Total domestic deposits to total assets | 89.6162% | 1,264 |
| Equity capital to assets | 10.0121% | 3,752 |
| Core capital (leverage) ratio | 10.2585% | 3,207 |
| Tier 1 risk-based capital ratio | 13.9478% | 4,329 |
| Total risk-based capital ratio | 15.2008% | 4,267 |
| Memoranda: | ||
| Average total assets | $179,532,800 | 3,277 |
| Average earning assets | $165,552,400 | 3,272 |
| Average equity | $18,671,600 | 3,319 |
| Average total loans | $105,740,800 | 3,331 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 3,417 |
| Cost of funding earning assets | 0.2317% | 6,210 |
| Net interest margin | 3.9604% | 2,075 |
| Noninterest income to average assets | 0.3291% | 5,054 |
| Noninterest expense to average assets | 3.3292% | 2,004 |
| Loan and lease loss provision to assets | 0.0151% | 4,709 |
| Net operating income to assets | 0.4225% | 5,149 |
| Return on assets (ROA) | 0.4225% | 5,294 |
| Pretax return on assets | 0.6401% | 4,884 |
| Return on Equity (ROE) | 4.0219% | 5,213 |
| Retained earnings to average equity (ytd only) | 4.0219% | 3,831 |
| Net charge-offs to loans | 0.0406% | 4,333 |
| Credit loss provision to net charge-offs | 62.5000% | 3,235 |
| Earnings coverage of net charge-offs (x) | 27.1847% | 1,320 |
| Efficiency ratio | 83.5570% | 1,653 |
| Assets per employee ($millions) | 3.9097% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9601% | 1,826 |
| Loan loss allowance to noncurrent loans | 267.2280% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 5,186 |
| Noncurrent loans to loans | 0.7335% | 4,385 |
| Net loans and leases to total assets | 54.9852% | 4,463 |
| Net loans and leases to deposits | 61.3670% | 4,823 |
| Net loans and leases to core deposits | 62.3832% | 5,074 |
| Total domestic deposits to total assets | 89.6006% | 1,225 |
| Equity capital to assets | 9.9859% | 3,922 |
| Core capital (leverage) ratio | 10.4915% | 3,013 |
| Tier 1 risk-based capital ratio | 14.0515% | 4,387 |
| Total risk-based capital ratio | 15.3055% | 4,333 |
| Memoranda: | ||
| Average total assets | $177,056,000 | 3,337 |
| Average earning assets | $163,415,500 | 3,327 |
| Average equity | $18,597,750 | 3,362 |
| Average total loans | $105,126,250 | 3,362 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 3,016 |
| Cost of funding earning assets | 0.2402% | 6,238 |
| Net interest margin | 4.0452% | 1,712 |
| Noninterest income to average assets | 0.2997% | 5,307 |
| Noninterest expense to average assets | 3.4106% | 1,796 |
| Loan and lease loss provision to assets | 0.0231% | 4,451 |
| Net operating income to assets | 0.3976% | 5,223 |
| Return on assets (ROA) | 0.3976% | 5,386 |
| Pretax return on assets | 0.5936% | 5,036 |
| Return on Equity (ROE) | 3.7196% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.7196% | 3,939 |
| Net charge-offs to loans | 0.0362% | 4,176 |
| Credit loss provision to net charge-offs | 105.2632% | 2,102 |
| Earnings coverage of net charge-offs (x) | 28.1579% | 1,195 |
| Efficiency ratio | 84.6880% | 1,560 |
| Assets per employee ($millions) | 3.6613% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9624% | 1,940 |
| Loan loss allowance to noncurrent loans | 117.4774% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.4288% | 2,957 |
| Noncurrent loans to loans | 1.6704% | 2,808 |
| Net loans and leases to total assets | 59.0443% | 3,822 |
| Net loans and leases to deposits | 66.2845% | 4,233 |
| Net loans and leases to core deposits | 67.4635% | 4,552 |
| Total domestic deposits to total assets | 89.0771% | 1,586 |
| Equity capital to assets | 10.5223% | 3,269 |
| Core capital (leverage) ratio | 10.8387% | 2,516 |
| Tier 1 risk-based capital ratio | 14.2904% | 4,236 |
| Total risk-based capital ratio | 15.5483% | 4,178 |
| Memoranda: | ||
| Average total assets | $173,519,670 | 3,400 |
| Average earning assets | $159,893,330 | 3,401 |
| Average equity | $18,550,330 | 3,392 |
| Average total loans | $105,084,670 | 3,384 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2995% | 2,890 |
| Cost of funding earning assets | 0.2494% | 6,293 |
| Net interest margin | 4.0501% | 1,614 |
| Noninterest income to average assets | 0.2877% | 5,396 |
| Noninterest expense to average assets | 3.4035% | 1,830 |
| Loan and lease loss provision to assets | 0.0464% | 3,837 |
| Net operating income to assets | 0.3805% | 5,208 |
| Return on assets (ROA) | 0.3805% | 5,350 |
| Pretax return on assets | 0.5684% | 5,054 |
| Return on Equity (ROE) | 3.5308% | 5,326 |
| Retained earnings to average equity (ytd only) | 3.5308% | 4,126 |
| Net charge-offs to loans | 0.0955% | 2,894 |
| Credit loss provision to net charge-offs | 80.0000% | 2,153 |
| Earnings coverage of net charge-offs (x) | 10.6000% | 1,725 |
| Efficiency ratio | 84.6998% | 1,684 |
| Assets per employee ($millions) | 3.6243% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9869% | 2,079 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 5,322 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 58.7246% | 3,666 |
| Net loans and leases to deposits | 66.0452% | 4,049 |
| Net loans and leases to core deposits | 67.3439% | 4,371 |
| Total domestic deposits to total assets | 88.9158% | 1,730 |
| Equity capital to assets | 10.7365% | 3,278 |
| Core capital (leverage) ratio | 10.8547% | 2,396 |
| Tier 1 risk-based capital ratio | 14.4649% | 4,203 |
| Total risk-based capital ratio | 15.7201% | 4,164 |
| Memoranda: | ||
| Average total assets | $172,409,000 | 3,462 |
| Average earning assets | $158,811,000 | 3,456 |
| Average equity | $18,579,500 | 3,438 |
| Average total loans | $104,706,000 | 3,402 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 2,300 |
| Cost of funding earning assets | 0.2966% | 6,469 |
| Net interest margin | 4.4777% | 984 |
| Noninterest income to average assets | 0.3314% | 5,083 |
| Noninterest expense to average assets | 3.6196% | 1,566 |
| Loan and lease loss provision to assets | 0.1377% | 3,892 |
| Net operating income to assets | 0.4556% | 4,859 |
| Return on assets (ROA) | 0.4582% | 5,097 |
| Pretax return on assets | 0.6617% | 4,787 |
| Return on Equity (ROE) | 4.1377% | 5,085 |
| Retained earnings to average equity (ytd only) | 4.1377% | 3,313 |
| Net charge-offs to loans | 0.3076% | 3,107 |
| Credit loss provision to net charge-offs | 69.7531% | 4,175 |
| Earnings coverage of net charge-offs (x) | 4.0309% | 3,507 |
| Efficiency ratio | 81.9787% | 1,868 |
| Assets per employee ($millions) | 3.4867% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9738% | 2,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 5,402 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 60.3471% | 3,541 |
| Net loans and leases to deposits | 67.9530% | 3,992 |
| Net loans and leases to core deposits | 69.5055% | 4,375 |
| Total domestic deposits to total assets | 88.8071% | 1,696 |
| Equity capital to assets | 10.8171% | 3,157 |
| Core capital (leverage) ratio | 10.7314% | 2,513 |
| Tier 1 risk-based capital ratio | 14.2055% | 4,241 |
| Total risk-based capital ratio | 15.4608% | 4,194 |
| Memoranda: | ||
| Average total assets | $164,133,600 | 3,548 |
| Average earning assets | $149,695,800 | 3,558 |
| Average equity | $18,174,400 | 3,443 |
| Average total loans | $105,338,800 | 3,387 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8434% | 2,223 |
| Cost of funding earning assets | 0.3037% | 6,601 |
| Net interest margin | 4.5397% | 920 |
| Noninterest income to average assets | 0.3160% | 5,251 |
| Noninterest expense to average assets | 3.6063% | 1,548 |
| Loan and lease loss provision to assets | 0.1871% | 3,250 |
| Net operating income to assets | 0.4611% | 4,988 |
| Return on assets (ROA) | 0.4645% | 5,232 |
| Pretax return on assets | 0.6623% | 4,976 |
| Return on Equity (ROE) | 4.1699% | 5,218 |
| Retained earnings to average equity (ytd only) | 4.1699% | 3,963 |
| Net charge-offs to loans | 0.2859% | 3,011 |
| Credit loss provision to net charge-offs | 100.8850% | 2,930 |
| Earnings coverage of net charge-offs (x) | 4.5530% | 3,273 |
| Efficiency ratio | 81.0253% | 1,934 |
| Assets per employee ($millions) | 3.3742% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0818% | 1,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 5,539 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 61.8757% | 3,405 |
| Net loans and leases to deposits | 69.9615% | 3,903 |
| Net loans and leases to core deposits | 71.4883% | 4,318 |
| Total domestic deposits to total assets | 88.4425% | 1,758 |
| Equity capital to assets | 11.1414% | 3,108 |
| Core capital (leverage) ratio | 11.0192% | 2,361 |
| Tier 1 risk-based capital ratio | 14.3485% | 4,300 |
| Total risk-based capital ratio | 15.6046% | 4,265 |
| Memoranda: | ||
| Average total assets | $162,454,500 | 3,609 |
| Average earning assets | $147,964,750 | 3,628 |
| Average equity | $18,097,750 | 3,489 |
| Average total loans | $105,378,750 | 3,420 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8844% | 2,175 |
| Cost of funding earning assets | 0.3121% | 6,681 |
| Net interest margin | 4.5723% | 873 |
| Noninterest income to average assets | 0.3269% | 5,215 |
| Noninterest expense to average assets | 3.7017% | 1,368 |
| Loan and lease loss provision to assets | 0.2341% | 2,726 |
| Net operating income to assets | 0.3947% | 5,228 |
| Return on assets (ROA) | 0.4000% | 5,446 |
| Pretax return on assets | 0.5536% | 5,299 |
| Return on Equity (ROE) | 3.5909% | 5,441 |
| Retained earnings to average equity (ytd only) | 3.5909% | 4,205 |
| Net charge-offs to loans | 0.5450% | 1,956 |
| Credit loss provision to net charge-offs | 65.6250% | 3,670 |
| Earnings coverage of net charge-offs (x) | 2.1875% | 3,892 |
| Efficiency ratio | 82.5919% | 1,800 |
| Assets per employee ($millions) | 3.5233% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9552% | 2,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 5,632 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 64.2015% | 2,991 |
| Net loans and leases to deposits | 72.6301% | 3,512 |
| Net loans and leases to core deposits | 74.3866% | 3,966 |
| Total domestic deposits to total assets | 88.3952% | 1,892 |
| Equity capital to assets | 11.2148% | 2,876 |
| Core capital (leverage) ratio | 11.0906% | 2,216 |
| Tier 1 risk-based capital ratio | 14.2104% | 4,299 |
| Total risk-based capital ratio | 15.4709% | 4,256 |
| Memoranda: | ||
| Average total assets | $161,493,330 | 3,634 |
| Average earning assets | $146,753,330 | 3,660 |
| Average equity | $17,990,000 | 3,500 |
| Average total loans | $105,678,670 | 3,441 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 2,209 |
| Cost of funding earning assets | 0.3273% | 6,739 |
| Net interest margin | 4.5795% | 858 |
| Noninterest income to average assets | 0.3176% | 5,333 |
| Noninterest expense to average assets | 3.7369% | 1,321 |
| Loan and lease loss provision to assets | 0.2705% | 2,292 |
| Net operating income to assets | 0.3487% | 5,482 |
| Return on assets (ROA) | 0.3523% | 5,641 |
| Pretax return on assets | 0.4814% | 5,482 |
| Return on Equity (ROE) | 3.1737% | 5,642 |
| Retained earnings to average equity (ytd only) | 3.1737% | 4,662 |
| Net charge-offs to loans | 0.6638% | 1,474 |
| Credit loss provision to net charge-offs | 62.2857% | 3,069 |
| Earnings coverage of net charge-offs (x) | 1.7200% | 3,472 |
| Efficiency ratio | 83.3426% | 1,751 |
| Assets per employee ($millions) | 3.2676% | 5,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9946% | 2,374 |
| Loan loss allowance to noncurrent loans | 3,346.0317% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.6065% | 5,376 |
| Noncurrent loans to loans | 0.0596% | 6,605 |
| Net loans and leases to total assets | 64.6920% | 2,718 |
| Net loans and leases to deposits | 73.1624% | 3,253 |
| Net loans and leases to core deposits | 74.8160% | 3,780 |
| Total domestic deposits to total assets | 88.4224% | 2,055 |
| Equity capital to assets | 11.2260% | 2,696 |
| Core capital (leverage) ratio | 11.0310% | 2,240 |
| Tier 1 risk-based capital ratio | 14.3583% | 4,203 |
| Total risk-based capital ratio | 15.6078% | 4,178 |
| Memoranda: | ||
| Average total assets | $161,204,500 | 3,660 |
| Average earning assets | $146,653,000 | 3,688 |
| Average equity | $17,897,000 | 3,520 |
| Average total loans | $105,454,500 | 3,472 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2876% | 1,741 |
| Cost of funding earning assets | 0.4365% | 6,778 |
| Net interest margin | 4.8511% | 570 |
| Noninterest income to average assets | 0.1847% | 6,174 |
| Noninterest expense to average assets | 3.9918% | 1,050 |
| Loan and lease loss provision to assets | 0.1307% | 4,985 |
| Net operating income to assets | 0.3304% | 5,146 |
| Return on assets (ROA) | 0.3360% | 5,277 |
| Pretax return on assets | 0.4988% | 4,996 |
| Return on Equity (ROE) | 3.1154% | 5,237 |
| Retained earnings to average equity (ytd only) | 3.1154% | 4,012 |
| Net charge-offs to loans | 0.1986% | 4,552 |
| Credit loss provision to net charge-offs | 91.8552% | 3,929 |
| Earnings coverage of net charge-offs (x) | 4.3665% | 3,140 |
| Efficiency ratio | 86.5355% | 1,491 |
| Assets per employee ($millions) | 3.3122% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0661% | 2,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 5,811 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 63.4931% | 3,294 |
| Net loans and leases to deposits | 71.6876% | 3,849 |
| Net loans and leases to core deposits | 73.3965% | 4,324 |
| Total domestic deposits to total assets | 88.5692% | 1,808 |
| Equity capital to assets | 10.9798% | 2,997 |
| Core capital (leverage) ratio | 10.9065% | 2,344 |
| Tier 1 risk-based capital ratio | 14.4335% | 4,020 |
| Total risk-based capital ratio | 15.6908% | 3,987 |
| Memoranda: | ||
| Average total assets | $155,368,600 | 3,714 |
| Average earning assets | $141,822,600 | 3,713 |
| Average equity | $16,755,400 | 3,615 |
| Average total loans | $111,298,200 | 3,351 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3526% | 1,666 |
| Cost of funding earning assets | 0.4661% | 6,831 |
| Net interest margin | 4.8865% | 525 |
| Noninterest income to average assets | 0.2534% | 5,808 |
| Noninterest expense to average assets | 4.0580% | 941 |
| Loan and lease loss provision to assets | 0.1527% | 4,549 |
| Net operating income to assets | 0.3335% | 5,275 |
| Return on assets (ROA) | 0.3411% | 5,421 |
| Pretax return on assets | 0.5120% | 5,129 |
| Return on Equity (ROE) | 3.1778% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.1778% | 4,439 |
| Net charge-offs to loans | 0.3025% | 3,576 |
| Credit loss provision to net charge-offs | 68.7500% | 4,526 |
| Earnings coverage of net charge-offs (x) | 2.9414% | 3,674 |
| Efficiency ratio | 86.1300% | 1,516 |
| Assets per employee ($millions) | 3.0609% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8642% | 2,733 |
| Loan loss allowance to noncurrent loans | 1,227.9070% | 306 |
| Noncurrent assets plus other real estate owned to assets | 1.0875% | 4,582 |
| Noncurrent loans to loans | 0.1518% | 6,568 |
| Net loans and leases to total assets | 69.8503% | 2,106 |
| Net loans and leases to deposits | 78.9667% | 2,821 |
| Net loans and leases to core deposits | 81.3038% | 3,439 |
| Total domestic deposits to total assets | 88.4554% | 1,782 |
| Equity capital to assets | 11.1249% | 3,031 |
| Core capital (leverage) ratio | 11.0875% | 2,326 |
| Tier 1 risk-based capital ratio | 13.7959% | 4,501 |
| Total risk-based capital ratio | 15.0518% | 4,463 |
| Memoranda: | ||
| Average total assets | $153,636,250 | 3,763 |
| Average earning assets | $140,165,250 | 3,762 |
| Average equity | $16,489,250 | 3,661 |
| Average total loans | $112,817,250 | 3,354 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3553% | 1,706 |
| Cost of funding earning assets | 0.4943% | 6,863 |
| Net interest margin | 4.8610% | 536 |
| Noninterest income to average assets | 0.2082% | 6,175 |
| Noninterest expense to average assets | 4.1530% | 869 |
| Loan and lease loss provision to assets | 0.1225% | 4,755 |
| Net operating income to assets | 0.2480% | 5,570 |
| Return on assets (ROA) | 0.2569% | 5,655 |
| Pretax return on assets | 0.3768% | 5,465 |
| Return on Equity (ROE) | 2.4249% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.4249% | 4,747 |
| Net charge-offs to loans | 0.0657% | 4,979 |
| Credit loss provision to net charge-offs | 251.3514% | 1,202 |
| Earnings coverage of net charge-offs (x) | 9.9730% | 1,864 |
| Efficiency ratio | 89.5200% | 1,275 |
| Assets per employee ($millions) | 3.0141% | 6,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9866% | 2,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0142% | 4,849 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 72.1841% | 1,753 |
| Net loans and leases to deposits | 81.7752% | 2,484 |
| Net loans and leases to core deposits | 84.7670% | 3,103 |
| Total domestic deposits to total assets | 88.2714% | 1,983 |
| Equity capital to assets | 11.3845% | 2,614 |
| Core capital (leverage) ratio | 11.2923% | 2,053 |
| Tier 1 risk-based capital ratio | 13.8878% | 4,245 |
| Total risk-based capital ratio | 15.1460% | 4,210 |
| Memoranda: | ||
| Average total assets | $151,793,000 | 3,820 |
| Average earning assets | $138,367,670 | 3,820 |
| Average equity | $16,083,330 | 3,716 |
| Average total loans | $112,659,670 | 3,395 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2522% | 2,041 |
| Cost of funding earning assets | 0.5153% | 6,918 |
| Net interest margin | 4.7369% | 655 |
| Noninterest income to average assets | 0.3951% | 4,737 |
| Noninterest expense to average assets | 4.2670% | 745 |
| Loan and lease loss provision to assets | 0.2360% | 3,302 |
| Net operating income to assets | 0.1453% | 5,958 |
| Return on assets (ROA) | 0.1565% | 5,976 |
| Pretax return on assets | 0.2228% | 5,889 |
| Return on Equity (ROE) | 1.5350% | 5,968 |
| Retained earnings to average equity (ytd only) | 1.5350% | 5,192 |
| Net charge-offs to loans | 0.1780% | 3,427 |
| Credit loss provision to net charge-offs | 178.0000% | 1,645 |
| Earnings coverage of net charge-offs (x) | 3.3400% | 2,772 |
| Efficiency ratio | 90.5968% | 1,278 |
| Assets per employee ($millions) | 3.1180% | 5,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0017% | 2,413 |
| Loan loss allowance to noncurrent loans | 251.8059% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 1.7573% | 3,631 |
| Noncurrent loans to loans | 0.7949% | 5,441 |
| Net loans and leases to total assets | 72.9811% | 1,517 |
| Net loans and leases to deposits | 81.6452% | 2,420 |
| Net loans and leases to core deposits | 84.9722% | 3,039 |
| Total domestic deposits to total assets | 89.3881% | 1,540 |
| Equity capital to assets | 10.2939% | 3,419 |
| Core capital (leverage) ratio | 10.1021% | 3,033 |
| Tier 1 risk-based capital ratio | 12.1543% | 5,547 |
| Total risk-based capital ratio | 13.3850% | 5,559 |
| Memoranda: | ||
| Average total assets | $150,830,500 | 3,866 |
| Average earning assets | $137,389,000 | 3,870 |
| Average equity | $15,375,000 | 3,832 |
| Average total loans | $112,385,000 | 3,433 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8083% | 1,259 |
| Cost of funding earning assets | 0.6414% | 7,023 |
| Net interest margin | 5.1669% | 306 |
| Noninterest income to average assets | 0.5333% | 3,931 |
| Noninterest expense to average assets | 4.1195% | 1,006 |
| Loan and lease loss provision to assets | 1.0625% | 1,515 |
| Net operating income to assets | 0.0042% | 5,827 |
| Return on assets (ROA) | 0.0182% | 5,914 |
| Pretax return on assets | 0.0049% | 5,889 |
| Return on Equity (ROE) | 0.1739% | 5,913 |
| Retained earnings to average equity (ytd only) | 0.1739% | 5,489 |
| Net charge-offs to loans | 1.6989% | 1,274 |
| Credit loss provision to net charge-offs | 78.7785% | 5,596 |
| Earnings coverage of net charge-offs (x) | 0.7811% | 5,343 |
| Efficiency ratio | 79.6356% | 2,462 |
| Assets per employee ($millions) | 3.0400% | 6,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 2,458 |
| Loan loss allowance to noncurrent loans | 415.1515% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.9625% | 5,085 |
| Noncurrent loans to loans | 0.4660% | 6,112 |
| Net loans and leases to total assets | 73.1071% | 1,848 |
| Net loans and leases to deposits | 81.6029% | 2,883 |
| Net loans and leases to core deposits | 84.4424% | 3,536 |
| Total domestic deposits to total assets | 89.5887% | 1,333 |
| Equity capital to assets | 10.0948% | 3,622 |
| Core capital (leverage) ratio | 10.2400% | 2,823 |
| Tier 1 risk-based capital ratio | 12.1172% | 5,364 |
| Total risk-based capital ratio | 13.3737% | 5,341 |
| Memoranda: | ||
| Average total assets | $143,247,000 | 4,001 |
| Average earning assets | $128,626,400 | 4,052 |
| Average equity | $14,955,200 | 3,948 |
| Average total loans | $113,719,400 | 3,456 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9472% | 1,039 |
| Cost of funding earning assets | 0.6744% | 7,120 |
| Net interest margin | 5.2727% | 255 |
| Noninterest income to average assets | 0.5265% | 3,971 |
| Noninterest expense to average assets | 4.1825% | 849 |
| Loan and lease loss provision to assets | 1.4320% | 941 |
| Net operating income to assets | -0.2088% | 6,332 |
| Return on assets (ROA) | -0.1985% | 6,383 |
| Pretax return on assets | -0.3648% | 6,458 |
| Return on Equity (ROE) | -1.8844% | 6,386 |
| Retained earnings to average equity (ytd only) | -1.8844% | 6,178 |
| Net charge-offs to loans | 2.1835% | 832 |
| Credit loss provision to net charge-offs | 81.2768% | 5,094 |
| Earnings coverage of net charge-offs (x) | 0.5966% | 5,428 |
| Efficiency ratio | 79.9169% | 2,351 |
| Assets per employee ($millions) | 2.7458% | 6,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9935% | 2,240 |
| Loan loss allowance to noncurrent loans | 453.3199% | 664 |
| Noncurrent assets plus other real estate owned to assets | 1.2481% | 4,655 |
| Noncurrent loans to loans | 0.4397% | 6,316 |
| Net loans and leases to total assets | 77.5777% | 1,112 |
| Net loans and leases to deposits | 86.9716% | 2,153 |
| Net loans and leases to core deposits | 90.1703% | 3,073 |
| Total domestic deposits to total assets | 89.1989% | 1,285 |
| Equity capital to assets | 10.4600% | 3,561 |
| Core capital (leverage) ratio | 10.0571% | 3,199 |
| Tier 1 risk-based capital ratio | 11.8813% | 5,571 |
| Total risk-based capital ratio | 13.0905% | 5,578 |
| Memoranda: | ||
| Average total assets | $141,059,000 | 4,091 |
| Average earning assets | $125,927,750 | 4,161 |
| Average equity | $14,858,000 | 4,019 |
| Average total loans | $113,820,750 | 3,504 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8752% | 1,246 |
| Cost of funding earning assets | 0.6961% | 7,200 |
| Net interest margin | 5.1791% | 297 |
| Noninterest income to average assets | 0.4399% | 4,607 |
| Noninterest expense to average assets | 4.1969% | 816 |
| Loan and lease loss provision to assets | 2.1568% | 560 |
| Net operating income to assets | -0.7471% | 6,833 |
| Return on assets (ROA) | -0.7389% | 6,847 |
| Pretax return on assets | -1.2827% | 7,002 |
| Return on Equity (ROE) | -6.9982% | 6,836 |
| Retained earnings to average equity (ytd only) | -6.9982% | 6,739 |
| Net charge-offs to loans | 3.3623% | 443 |
| Credit loss provision to net charge-offs | 78.9885% | 4,730 |
| Earnings coverage of net charge-offs (x) | 0.3154% | 5,412 |
| Efficiency ratio | 82.9721% | 2,046 |
| Assets per employee ($millions) | 2.7265% | 6,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 2,384 |
| Loan loss allowance to noncurrent loans | 204.2711% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 1.4511% | 4,283 |
| Noncurrent loans to loans | 0.9353% | 5,423 |
| Net loans and leases to total assets | 78.1623% | 1,084 |
| Net loans and leases to deposits | 87.1676% | 2,309 |
| Net loans and leases to core deposits | 92.3836% | 2,931 |
| Total domestic deposits to total assets | 89.6690% | 1,089 |
| Equity capital to assets | 10.0313% | 3,983 |
| Core capital (leverage) ratio | 10.0909% | 3,077 |
| Tier 1 risk-based capital ratio | 11.4823% | 5,788 |
| Total risk-based capital ratio | 12.6596% | 5,835 |
| Memoranda: | ||
| Average total assets | $140,484,670 | 4,126 |
| Average earning assets | $125,272,000 | 4,201 |
| Average equity | $14,832,330 | 4,024 |
| Average total loans | $114,087,670 | 3,535 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8975% | 1,207 |
| Cost of funding earning assets | 0.7169% | 7,298 |
| Net interest margin | 5.1806% | 304 |
| Noninterest income to average assets | 0.3929% | 4,972 |
| Noninterest expense to average assets | 4.2867% | 734 |
| Loan and lease loss provision to assets | 0.4708% | 2,614 |
| Net operating income to assets | 0.1610% | 5,821 |
| Return on assets (ROA) | 0.1704% | 5,910 |
| Pretax return on assets | 0.2629% | 5,707 |
| Return on Equity (ROE) | 1.5733% | 5,933 |
| Retained earnings to average equity (ytd only) | 1.5733% | 5,161 |
| Net charge-offs to loans | 2.0289% | 843 |
| Credit loss provision to net charge-offs | 28.2986% | 4,842 |
| Earnings coverage of net charge-offs (x) | 0.4323% | 4,643 |
| Efficiency ratio | 85.6319% | 1,832 |
| Assets per employee ($millions) | 2.7843% | 6,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9270% | 2,372 |
| Loan loss allowance to noncurrent loans | 102.8182% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 1.7028% | 3,928 |
| Noncurrent loans to loans | 1.8741% | 3,964 |
| Net loans and leases to total assets | 78.4577% | 1,070 |
| Net loans and leases to deposits | 88.0071% | 2,227 |
| Net loans and leases to core deposits | 91.1963% | 3,211 |
| Total domestic deposits to total assets | 89.1493% | 1,439 |
| Equity capital to assets | 10.5894% | 3,153 |
| Core capital (leverage) ratio | 10.8217% | 2,357 |
| Tier 1 risk-based capital ratio | 12.4448% | 4,797 |
| Total risk-based capital ratio | 13.7020% | 4,739 |
| Memoranda: | ||
| Average total assets | $138,473,500 | 4,221 |
| Average earning assets | $123,307,000 | 4,296 |
| Average equity | $15,000,500 | 4,013 |
| Average total loans | $113,556,500 | 3,604 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0322% | 1,744 |
| Cost of funding earning assets | 0.9068% | 7,393 |
| Net interest margin | 5.1254% | 345 |
| Noninterest income to average assets | 0.3399% | 5,656 |
| Noninterest expense to average assets | 4.2800% | 1,011 |
| Loan and lease loss provision to assets | 1.7194% | 1,327 |
| Net operating income to assets | -0.5857% | 6,255 |
| Return on assets (ROA) | -0.5857% | 6,253 |
| Pretax return on assets | -1.0137% | 6,416 |
| Return on Equity (ROE) | -5.1268% | 6,223 |
| Retained earnings to average equity (ytd only) | -5.1268% | 6,038 |
| Net charge-offs to loans | 1.0869% | 2,246 |
| Credit loss provision to net charge-offs | 188.1686% | 2,144 |
| Earnings coverage of net charge-offs (x) | 0.7723% | 5,334 |
| Efficiency ratio | 85.8458% | 2,133 |
| Assets per employee ($millions) | 2.6460% | 6,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2922% | 1,497 |
| Loan loss allowance to noncurrent loans | 79.1844% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 2.9626% | 2,366 |
| Noncurrent loans to loans | 2.8948% | 2,668 |
| Net loans and leases to total assets | 82.1893% | 661 |
| Net loans and leases to deposits | 92.7273% | 1,781 |
| Net loans and leases to core deposits | 114.6887% | 2,443 |
| Total domestic deposits to total assets | 88.6355% | 1,660 |
| Equity capital to assets | 11.0888% | 2,634 |
| Core capital (leverage) ratio | 10.7101% | 2,421 |
| Tier 1 risk-based capital ratio | 12.0977% | 4,851 |
| Total risk-based capital ratio | 13.3553% | 4,815 |
| Memoranda: | ||
| Average total assets | $135,047,800 | 4,237 |
| Average earning assets | $122,410,200 | 4,259 |
| Average equity | $15,428,600 | 3,983 |
| Average total loans | $113,529,200 | 3,618 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0049% | 2,016 |
| Cost of funding earning assets | 0.9411% | 7,498 |
| Net interest margin | 5.0638% | 398 |
| Noninterest income to average assets | 0.3544% | 5,663 |
| Noninterest expense to average assets | 4.2495% | 976 |
| Loan and lease loss provision to assets | 1.2003% | 1,619 |
| Net operating income to assets | -0.2754% | 6,170 |
| Return on assets (ROA) | -0.2754% | 6,179 |
| Pretax return on assets | -0.4906% | 6,286 |
| Return on Equity (ROE) | -2.3930% | 6,150 |
| Retained earnings to average equity (ytd only) | -2.3930% | 5,798 |
| Net charge-offs to loans | 0.9195% | 2,131 |
| Credit loss provision to net charge-offs | 155.3001% | 3,078 |
| Earnings coverage of net charge-offs (x) | 0.9183% | 5,138 |
| Efficiency ratio | 85.6887% | 2,094 |
| Assets per employee ($millions) | 2.7165% | 6,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7482% | 2,448 |
| Loan loss allowance to noncurrent loans | 65.0953% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 2.7169% | 2,558 |
| Noncurrent loans to loans | 2.6856% | 2,824 |
| Net loans and leases to total assets | 78.9838% | 1,396 |
| Net loans and leases to deposits | 89.2136% | 2,738 |
| Net loans and leases to core deposits | 113.6104% | 2,870 |
| Total domestic deposits to total assets | 88.5334% | 1,419 |
| Equity capital to assets | 11.1548% | 2,871 |
| Core capital (leverage) ratio | 11.2072% | 2,259 |
| Tier 1 risk-based capital ratio | 12.5066% | 4,533 |
| Total risk-based capital ratio | 13.7606% | 4,486 |
| Memoranda: | ||
| Average total assets | $135,073,000 | 4,249 |
| Average earning assets | $122,830,500 | 4,278 |
| Average equity | $15,544,750 | 3,994 |
| Average total loans | $113,533,000 | 3,644 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9844% | 2,246 |
| Cost of funding earning assets | 0.9695% | 7,600 |
| Net interest margin | 5.0149% | 414 |
| Noninterest income to average assets | 0.3614% | 5,625 |
| Noninterest expense to average assets | 4.3564% | 894 |
| Loan and lease loss provision to assets | 1.6264% | 1,032 |
| Net operating income to assets | -0.5884% | 6,643 |
| Return on assets (ROA) | -0.5884% | 6,650 |
| Pretax return on assets | -1.0170% | 6,826 |
| Return on Equity (ROE) | -5.0594% | 6,615 |
| Retained earnings to average equity (ytd only) | -5.0594% | 6,308 |
| Net charge-offs to loans | 1.1256% | 1,617 |
| Credit loss provision to net charge-offs | 169.3624% | 2,720 |
| Earnings coverage of net charge-offs (x) | 0.6345% | 5,068 |
| Efficiency ratio | 87.7293% | 2,048 |
| Assets per employee ($millions) | 2.5510% | 7,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 2,255 |
| Loan loss allowance to noncurrent loans | 116.5279% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 1.9585% | 3,251 |
| Noncurrent loans to loans | 1.4805% | 4,273 |
| Net loans and leases to total assets | 82.5803% | 854 |
| Net loans and leases to deposits | 93.8291% | 2,115 |
| Net loans and leases to core deposits | 119.4742% | 2,415 |
| Total domestic deposits to total assets | 88.0114% | 1,770 |
| Equity capital to assets | 11.3222% | 2,658 |
| Core capital (leverage) ratio | 11.1018% | 2,329 |
| Tier 1 risk-based capital ratio | 12.2597% | 4,712 |
| Total risk-based capital ratio | 13.4726% | 4,652 |
| Memoranda: | ||
| Average total assets | $133,917,000 | 4,306 |
| Average earning assets | $122,952,670 | 4,291 |
| Average equity | $15,575,000 | 4,002 |
| Average total loans | $114,253,330 | 3,669 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9973% | 2,380 |
| Cost of funding earning assets | 0.9837% | 7,696 |
| Net interest margin | 5.0135% | 390 |
| Noninterest income to average assets | 0.4172% | 5,080 |
| Noninterest expense to average assets | 4.3339% | 825 |
| Loan and lease loss provision to assets | 0.4442% | 2,698 |
| Net operating income to assets | 0.1501% | 5,819 |
| Return on assets (ROA) | 0.1501% | 5,989 |
| Pretax return on assets | 0.2431% | 5,839 |
| Return on Equity (ROE) | 1.2732% | 6,044 |
| Retained earnings to average equity (ytd only) | 1.2732% | 5,124 |
| Net charge-offs to loans | 0.2828% | 2,982 |
| Credit loss provision to net charge-offs | 182.7160% | 2,380 |
| Earnings coverage of net charge-offs (x) | 2.8272% | 3,364 |
| Efficiency ratio | 86.3120% | 2,036 |
| Assets per employee ($millions) | 2.5534% | 7,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 3,675 |
| Loan loss allowance to noncurrent loans | 65.4387% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.4542% | 2,334 |
| Noncurrent loans to loans | 2.0941% | 3,125 |
| Net loans and leases to total assets | 87.3788% | 311 |
| Net loans and leases to deposits | 99.6488% | 1,458 |
| Net loans and leases to core deposits | 126.4280% | 1,892 |
| Total domestic deposits to total assets | 87.6867% | 1,892 |
| Equity capital to assets | 12.0929% | 2,208 |
| Core capital (leverage) ratio | 11.9488% | 1,922 |
| Tier 1 risk-based capital ratio | 12.5417% | 4,516 |
| Total risk-based capital ratio | 13.7923% | 4,440 |
| Memoranda: | ||
| Average total assets | $133,274,000 | 4,345 |
| Average earning assets | $122,389,000 | 4,321 |
| Average equity | $15,708,500 | 4,002 |
| Average total loans | $114,574,500 | 3,683 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1216% | 882 |
| Cost of funding earning assets | 1.6160% | 7,416 |
| Net interest margin | 5.5055% | 204 |
| Noninterest income to average assets | 0.3923% | 5,537 |
| Noninterest expense to average assets | 4.0682% | 1,327 |
| Loan and lease loss provision to assets | 1.2483% | 1,146 |
| Net operating income to assets | 0.0805% | 6,155 |
| Return on assets (ROA) | 0.0805% | 5,997 |
| Pretax return on assets | 0.1195% | 5,905 |
| Return on Equity (ROE) | 0.6735% | 6,018 |
| Retained earnings to average equity (ytd only) | 0.6735% | 4,828 |
| Net charge-offs to loans | 1.0092% | 1,222 |
| Credit loss provision to net charge-offs | 148.7671% | 3,546 |
| Earnings coverage of net charge-offs (x) | 1.6301% | 5,271 |
| Efficiency ratio | 74.8379% | 3,429 |
| Assets per employee ($millions) | 2.6216% | 6,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 3,584 |
| Loan loss allowance to noncurrent loans | 158.3072% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 1.2111% | 3,822 |
| Noncurrent loans to loans | 0.8411% | 4,949 |
| Net loans and leases to total assets | 82.3515% | 1,163 |
| Net loans and leases to deposits | 93.2727% | 2,908 |
| Net loans and leases to core deposits | 116.5217% | 3,064 |
| Total domestic deposits to total assets | 88.2910% | 1,342 |
| Equity capital to assets | 11.4940% | 2,639 |
| Core capital (leverage) ratio | 12.1263% | 1,912 |
| Tier 1 risk-based capital ratio | 12.4006% | 4,504 |
| Total risk-based capital ratio | 13.6205% | 4,429 |
| Memoranda: | ||
| Average total assets | $130,501,200 | 4,271 |
| Average earning assets | $119,552,200 | 4,270 |
| Average equity | $15,591,200 | 4,006 |
| Average total loans | $108,498,000 | 3,719 |