Home > Cumberland Valley National Bank & Trust Company > Performance and Condition Ratios
Cumberland Valley National Bank & Trust Company, 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 | 4.6776% | 2,727 |
| Cost of funding earning assets | 1.2148% | 2,763 |
| Net interest margin | 3.4628% | 2,270 |
| Noninterest income to average assets | 0.9000% | 766 |
| Noninterest expense to average assets | 3.1520% | 876 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.6678% | 3,272 |
| Return on assets (ROA) | 0.6678% | 3,258 |
| Pretax return on assets | 0.8544% | 3,083 |
| Return on Equity (ROE) | 8.0300% | 3,015 |
| Retained earnings to average equity (ytd only) | 6.6591% | 2,005 |
| Net charge-offs to loans | 0.0570% | 1,287 |
| Credit loss provision to net charge-offs | 486.6667% | 688 |
| Earnings coverage of net charge-offs (x) | 27.4185% | 1,680 |
| Efficiency ratio | 75.2126% | 1,330 |
| Assets per employee ($millions) | 5.0746% | 3,577 |
| Cash dividends to net income (ytd only)* | 17.1044% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 1,599 |
| Loan loss allowance to noncurrent loans | 280.4003% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 1,626 |
| Noncurrent loans to loans | 0.4790% | 1,590 |
| Net loans and leases to total assets | 68.0600% | 2,028 |
| Net loans and leases to deposits | 74.7022% | 2,564 |
| Net loans and leases to core deposits | 86.7898% | 2,255 |
| Total domestic deposits to total assets | 91.1100% | 477 |
| Equity capital to assets | 8.5826% | 2,990 |
| Core capital (leverage) ratio | 9.6195% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3067% | 1,757 |
| Memoranda: | ||
| Average total assets | $712,659,200 | 1,290 |
| Average earning assets | $676,734,200 | 1,268 |
| Average equity | $59,242,000 | 1,406 |
| Average total loans | $473,968,200 | 1,288 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 2,707 |
| Cost of funding earning assets | 1.1016% | 2,735 |
| Net interest margin | 3.4859% | 2,244 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 3.1105% | 919 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.7279% | 3,237 |
| Return on assets (ROA) | 0.7279% | 3,225 |
| Pretax return on assets | 0.9495% | 2,978 |
| Return on Equity (ROE) | 8.8300% | 2,972 |
| Retained earnings to average equity (ytd only) | 7.6831% | 2,082 |
| Net charge-offs to loans | 0.0793% | 926 |
| Credit loss provision to net charge-offs | 273.0216% | 939 |
| Earnings coverage of net charge-offs (x) | 20.9029% | 1,794 |
| Efficiency ratio | 74.0128% | 1,358 |
| Assets per employee ($millions) | 5.0075% | 3,599 |
| Cash dividends to net income (ytd only)* | 12.9873% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 2,025 |
| Loan loss allowance to noncurrent loans | 276.1542% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 1,773 |
| Noncurrent loans to loans | 0.4587% | 1,675 |
| Net loans and leases to total assets | 67.0600% | 2,158 |
| Net loans and leases to deposits | 73.4687% | 2,612 |
| Net loans and leases to core deposits | 85.0949% | 2,250 |
| Total domestic deposits to total assets | 91.2800% | 602 |
| Equity capital to assets | 8.2691% | 2,871 |
| Core capital (leverage) ratio | 9.6066% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3865% | 1,758 |
| Memoranda: | ||
| Average total assets | $709,408,500 | 1,289 |
| Average earning assets | $673,205,000 | 1,267 |
| Average equity | $58,482,250 | 1,408 |
| Average total loans | $467,306,000 | 1,299 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5075% | 2,629 |
| Cost of funding earning assets | 0.9586% | 2,737 |
| Net interest margin | 3.5490% | 2,156 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 3.0990% | 908 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.7622% | 3,184 |
| Return on assets (ROA) | 0.7622% | 3,201 |
| Pretax return on assets | 0.9958% | 2,919 |
| Return on Equity (ROE) | 9.2600% | 2,904 |
| Retained earnings to average equity (ytd only) | 7.8711% | 2,008 |
| Net charge-offs to loans | 0.1289% | 573 |
| Credit loss provision to net charge-offs | 195.2862% | 1,059 |
| Earnings coverage of net charge-offs (x) | 13.8081% | 1,898 |
| Efficiency ratio | 72.7671% | 1,480 |
| Assets per employee ($millions) | 5.0086% | 3,595 |
| Cash dividends to net income (ytd only)* | 14.9536% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 2,033 |
| Loan loss allowance to noncurrent loans | 266.0866% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 1,644 |
| Noncurrent loans to loans | 0.4796% | 1,514 |
| Net loans and leases to total assets | 64.8700% | 2,294 |
| Net loans and leases to deposits | 71.0314% | 2,712 |
| Net loans and leases to core deposits | 81.9321% | 2,340 |
| Total domestic deposits to total assets | 91.3200% | 552 |
| Equity capital to assets | 8.3406% | 2,995 |
| Core capital (leverage) ratio | 9.5040% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4400% | 1,742 |
| Memoranda: | ||
| Average total assets | $707,185,333 | 1,288 |
| Average earning assets | $671,009,667 | 1,265 |
| Average equity | $58,238,667 | 1,418 |
| Average total loans | $460,957,000 | 1,302 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3047% | 2,791 |
| Cost of funding earning assets | 0.7731% | 2,830 |
| Net interest margin | 3.5317% | 2,281 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 3.0909% | 951 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.7465% | 3,353 |
| Return on assets (ROA) | 0.7465% | 3,308 |
| Pretax return on assets | 0.9728% | 3,075 |
| Return on Equity (ROE) | 9.1200% | 3,014 |
| Retained earnings to average equity (ytd only) | 8.2914% | 2,142 |
| Net charge-offs to loans | 0.1293% | 508 |
| Credit loss provision to net charge-offs | 222.9730% | 784 |
| Earnings coverage of net charge-offs (x) | 13.8176% | 1,578 |
| Efficiency ratio | 72.7115% | 1,473 |
| Assets per employee ($millions) | 4.9807% | 3,674 |
| Cash dividends to net income (ytd only)* | 9.1185% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,213 |
| Loan loss allowance to noncurrent loans | 223.1443% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 1,381 |
| Noncurrent loans to loans | 0.5671% | 1,312 |
| Net loans and leases to total assets | 64.2100% | 2,230 |
| Net loans and leases to deposits | 70.2967% | 2,582 |
| Net loans and leases to core deposits | 80.4208% | 2,227 |
| Total domestic deposits to total assets | 91.3500% | 689 |
| Equity capital to assets | 8.2668% | 3,065 |
| Core capital (leverage) ratio | 9.6121% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $705,167,500 | 1,305 |
| Average earning assets | $669,029,000 | 1,283 |
| Average equity | $57,698,000 | 1,441 |
| Average total loans | $457,783,500 | 1,323 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4499% | 3,211 |
| Cost of funding earning assets | 0.3226% | 2,701 |
| Net interest margin | 3.1273% | 3,093 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 2.8556% | 1,212 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.7323% | 3,527 |
| Return on assets (ROA) | 0.7323% | 3,470 |
| Pretax return on assets | 0.9602% | 3,196 |
| Return on Equity (ROE) | 9.1600% | 3,080 |
| Retained earnings to average equity (ytd only) | 8.1877% | 1,760 |
| Net charge-offs to loans | -0.0258% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.6812% | 1,247 |
| Assets per employee ($millions) | 5.0222% | 3,664 |
| Cash dividends to net income (ytd only)* | 10.5663% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 2,118 |
| Loan loss allowance to noncurrent loans | 193.1973% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 1,206 |
| Noncurrent loans to loans | 0.6499% | 1,145 |
| Net loans and leases to total assets | 63.9800% | 2,245 |
| Net loans and leases to deposits | 69.8415% | 2,595 |
| Net loans and leases to core deposits | 78.6104% | 2,231 |
| Total domestic deposits to total assets | 91.6100% | 748 |
| Equity capital to assets | 8.0958% | 2,997 |
| Core capital (leverage) ratio | 9.2810% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3915% | 1,818 |
| Memoranda: | ||
| Average total assets | $718,521,600 | 1,287 |
| Average earning assets | $681,609,200 | 1,259 |
| Average equity | $57,476,200 | 1,452 |
| Average total loans | $425,936,200 | 1,323 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2042% | 3,426 |
| Cost of funding earning assets | 0.2687% | 2,501 |
| Net interest margin | 2.9355% | 3,398 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.7758% | 1,296 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.6675% | 3,649 |
| Return on assets (ROA) | 0.6675% | 3,611 |
| Pretax return on assets | 0.8682% | 3,426 |
| Return on Equity (ROE) | 8.3700% | 3,208 |
| Retained earnings to average equity (ytd only) | 7.5240% | 2,180 |
| Net charge-offs to loans | -0.0134% | 3,830 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.2610% | 1,145 |
| Assets per employee ($millions) | 5.1764% | 3,522 |
| Cash dividends to net income (ytd only)* | 10.1021% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 2,393 |
| Loan loss allowance to noncurrent loans | 156.4339% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.4969% | 1,105 |
| Noncurrent loans to loans | 0.7836% | 1,030 |
| Net loans and leases to total assets | 62.0600% | 2,281 |
| Net loans and leases to deposits | 67.5257% | 2,577 |
| Net loans and leases to core deposits | 77.5873% | 2,071 |
| Total domestic deposits to total assets | 91.9100% | 912 |
| Equity capital to assets | 7.8239% | 3,009 |
| Core capital (leverage) ratio | 9.0217% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3129% | 1,933 |
| Memoranda: | ||
| Average total assets | $723,630,000 | 1,288 |
| Average earning assets | $686,799,750 | 1,260 |
| Average equity | $57,716,250 | 1,458 |
| Average total loans | $419,333,750 | 1,332 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0201% | 3,508 |
| Cost of funding earning assets | 0.2222% | 2,620 |
| Net interest margin | 2.7979% | 3,453 |
| Noninterest income to average assets | 0.9033% | 842 |
| Noninterest expense to average assets | 2.7144% | 1,354 |
| Loan and lease loss provision to assets | 0.0520% | 1,647 |
| Net operating income to assets | 0.6133% | 3,593 |
| Return on assets (ROA) | 0.6133% | 3,536 |
| Pretax return on assets | 0.7957% | 3,342 |
| Return on Equity (ROE) | 7.6423% | 3,120 |
| Retained earnings to average equity (ytd only) | 6.6047% | 2,129 |
| Net charge-offs to loans | 0.0015% | 2,079 |
| Credit loss provision to net charge-offs | 6,333.3333% | 91 |
| Earnings coverage of net charge-offs (x) | 1,031.6667% | 127 |
| Efficiency ratio | 76.2015% | 1,256 |
| Assets per employee ($millions) | 5.4130% | 3,314 |
| Cash dividends to net income (ytd only)* | 13.5775% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,330 |
| Loan loss allowance to noncurrent loans | 189.7756% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 1,428 |
| Noncurrent loans to loans | 0.6688% | 1,286 |
| Net loans and leases to total assets | 56.7026% | 2,679 |
| Net loans and leases to deposits | 61.4241% | 2,933 |
| Net loans and leases to core deposits | 71.4998% | 2,378 |
| Total domestic deposits to total assets | 92.3134% | 721 |
| Equity capital to assets | 7.5035% | 3,477 |
| Core capital (leverage) ratio | 8.6668% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4598% | 1,878 |
| Memoranda: | ||
| Average total assets | $730,174,667 | 1,278 |
| Average earning assets | $693,874,000 | 1,260 |
| Average equity | $58,595,000 | 1,461 |
| Average total loans | $411,671,333 | 1,348 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9421% | 3,424 |
| Cost of funding earning assets | 0.2169% | 2,566 |
| Net interest margin | 2.7252% | 3,351 |
| Noninterest income to average assets | 0.9338% | 789 |
| Noninterest expense to average assets | 2.6941% | 1,383 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6396% | 3,262 |
| Return on assets (ROA) | 0.6396% | 3,245 |
| Pretax return on assets | 0.8357% | 2,991 |
| Return on Equity (ROE) | 7.7187% | 2,794 |
| Retained earnings to average equity (ytd only) | 7.7187% | 1,666 |
| Net charge-offs to loans | 0.0069% | 1,506 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 217.8571% | 407 |
| Efficiency ratio | 76.3236% | 1,487 |
| Assets per employee ($millions) | 5.4058% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,502 |
| Loan loss allowance to noncurrent loans | 149.1718% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 1,218 |
| Noncurrent loans to loans | 0.8512% | 1,098 |
| Net loans and leases to total assets | 54.2877% | 2,721 |
| Net loans and leases to deposits | 59.1677% | 2,977 |
| Net loans and leases to core deposits | 68.2606% | 2,434 |
| Total domestic deposits to total assets | 91.7523% | 674 |
| Equity capital to assets | 8.0305% | 3,541 |
| Core capital (leverage) ratio | 8.6244% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8871% | 1,845 |
| Memoranda: | ||
| Average total assets | $729,887,500 | 1,282 |
| Average earning assets | $695,294,000 | 1,264 |
| Average equity | $60,476,500 | 1,473 |
| Average total loans | $407,666,500 | 1,351 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3170% | 3,157 |
| Cost of funding earning assets | 0.2750% | 2,651 |
| Net interest margin | 3.0420% | 3,070 |
| Noninterest income to average assets | 1.0551% | 911 |
| Noninterest expense to average assets | 2.8435% | 1,262 |
| Loan and lease loss provision to assets | 0.0345% | 2,365 |
| Net operating income to assets | 0.8217% | 3,267 |
| Return on assets (ROA) | 0.8217% | 3,340 |
| Pretax return on assets | 1.0628% | 3,095 |
| Return on Equity (ROE) | 9.2797% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.1972% | 1,464 |
| Net charge-offs to loans | 0.0137% | 2,049 |
| Credit loss provision to net charge-offs | 419.6429% | 890 |
| Earnings coverage of net charge-offs (x) | 133.4821% | 730 |
| Efficiency ratio | 72.1560% | 1,498 |
| Assets per employee ($millions) | 5.5312% | 3,233 |
| Cash dividends to net income (ytd only)* | 11.6649% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 2,624 |
| Loan loss allowance to noncurrent loans | 138.1720% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.5682% | 1,164 |
| Noncurrent loans to loans | 0.9049% | 1,120 |
| Net loans and leases to total assets | 56.0241% | 2,607 |
| Net loans and leases to deposits | 61.3572% | 2,948 |
| Net loans and leases to core deposits | 71.1312% | 2,344 |
| Total domestic deposits to total assets | 91.3080% | 384 |
| Equity capital to assets | 8.5447% | 4,022 |
| Core capital (leverage) ratio | 8.7275% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8573% | 1,906 |
| Memoranda: | ||
| Average total assets | $681,233,200 | 1,306 |
| Average earning assets | $646,209,200 | 1,294 |
| Average equity | $60,325,400 | 1,507 |
| Average total loans | $407,762,200 | 1,355 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3541% | 3,233 |
| Cost of funding earning assets | 0.2941% | 2,649 |
| Net interest margin | 3.0599% | 3,148 |
| Noninterest income to average assets | 1.0821% | 942 |
| Noninterest expense to average assets | 2.8373% | 1,256 |
| Loan and lease loss provision to assets | 0.0219% | 2,556 |
| Net operating income to assets | 0.8558% | 3,371 |
| Return on assets (ROA) | 0.8558% | 3,436 |
| Pretax return on assets | 1.1217% | 3,153 |
| Return on Equity (ROE) | 9.5734% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.6880% | 1,809 |
| Net charge-offs to loans | 0.0174% | 1,711 |
| Credit loss provision to net charge-offs | 207.5472% | 1,186 |
| Earnings coverage of net charge-offs (x) | 108.4906% | 829 |
| Efficiency ratio | 71.2730% | 1,463 |
| Assets per employee ($millions) | 5.1717% | 3,532 |
| Cash dividends to net income (ytd only)* | 9.2494% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,807 |
| Loan loss allowance to noncurrent loans | 106.4715% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 1,010 |
| Noncurrent loans to loans | 1.1629% | 960 |
| Net loans and leases to total assets | 58.1897% | 2,466 |
| Net loans and leases to deposits | 64.1375% | 2,840 |
| Net loans and leases to core deposits | 75.2219% | 2,119 |
| Total domestic deposits to total assets | 90.7265% | 460 |
| Equity capital to assets | 8.9828% | 3,847 |
| Core capital (leverage) ratio | 8.8330% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1362% | 1,919 |
| Memoranda: | ||
| Average total assets | $670,394,750 | 1,338 |
| Average earning assets | $635,071,750 | 1,324 |
| Average equity | $59,928,250 | 1,538 |
| Average total loans | $406,932,000 | 1,384 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3508% | 3,305 |
| Cost of funding earning assets | 0.3209% | 2,578 |
| Net interest margin | 3.0299% | 3,244 |
| Noninterest income to average assets | 1.1282% | 887 |
| Noninterest expense to average assets | 2.8132% | 1,322 |
| Loan and lease loss provision to assets | 0.0331% | 2,318 |
| Net operating income to assets | 0.8815% | 3,272 |
| Return on assets (ROA) | 0.8815% | 3,349 |
| Pretax return on assets | 1.1493% | 3,060 |
| Return on Equity (ROE) | 9.8771% | 2,792 |
| Retained earnings to average equity (ytd only) | 8.5350% | 1,882 |
| Net charge-offs to loans | 0.0309% | 1,353 |
| Credit loss provision to net charge-offs | 174.6032% | 1,106 |
| Earnings coverage of net charge-offs (x) | 62.3651% | 954 |
| Efficiency ratio | 70.4075% | 1,585 |
| Assets per employee ($millions) | 5.0256% | 3,641 |
| Cash dividends to net income (ytd only)* | 13.5883% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,729 |
| Loan loss allowance to noncurrent loans | 100.2402% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 896 |
| Noncurrent loans to loans | 1.2369% | 966 |
| Net loans and leases to total assets | 58.3627% | 2,615 |
| Net loans and leases to deposits | 64.1817% | 2,981 |
| Net loans and leases to core deposits | 75.4778% | 2,287 |
| Total domestic deposits to total assets | 90.9335% | 397 |
| Equity capital to assets | 8.8063% | 3,967 |
| Core capital (leverage) ratio | 8.7633% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1916% | 1,907 |
| Memoranda: | ||
| Average total assets | $664,579,667 | 1,343 |
| Average earning assets | $628,929,000 | 1,332 |
| Average equity | $59,308,667 | 1,539 |
| Average total loans | $407,486,000 | 1,389 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5206% | 2,860 |
| Cost of funding earning assets | 0.3516% | 2,504 |
| Net interest margin | 3.1690% | 2,791 |
| Noninterest income to average assets | 1.1949% | 864 |
| Noninterest expense to average assets | 2.8422% | 1,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0233% | 2,734 |
| Return on assets (ROA) | 1.0233% | 2,814 |
| Pretax return on assets | 1.3463% | 2,441 |
| Return on Equity (ROE) | 11.3882% | 2,233 |
| Retained earnings to average equity (ytd only) | 11.2047% | 1,347 |
| Net charge-offs to loans | 0.0274% | 1,220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 78.7500% | 711 |
| Efficiency ratio | 67.8571% | 1,952 |
| Assets per employee ($millions) | 5.0251% | 3,625 |
| Cash dividends to net income (ytd only)* | 1.6110% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 2,847 |
| Loan loss allowance to noncurrent loans | 71.7319% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.1787% | 636 |
| Noncurrent loans to loans | 1.6955% | 712 |
| Net loans and leases to total assets | 59.0636% | 2,666 |
| Net loans and leases to deposits | 64.9321% | 3,034 |
| Net loans and leases to core deposits | 77.1890% | 2,245 |
| Total domestic deposits to total assets | 90.9621% | 409 |
| Equity capital to assets | 8.7540% | 3,909 |
| Core capital (leverage) ratio | 9.0817% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3600% | 1,790 |
| Memoranda: | ||
| Average total assets | $655,127,000 | 1,343 |
| Average earning assets | $618,867,000 | 1,340 |
| Average equity | $58,868,000 | 1,540 |
| Average total loans | $409,275,000 | 1,386 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7413% | 3,469 |
| Cost of funding earning assets | 0.6163% | 2,206 |
| Net interest margin | 3.1250% | 3,571 |
| Noninterest income to average assets | 1.1710% | 797 |
| Noninterest expense to average assets | 3.1662% | 1,118 |
| Loan and lease loss provision to assets | 0.1115% | 2,954 |
| Net operating income to assets | 0.6749% | 3,506 |
| Return on assets (ROA) | 0.6749% | 3,638 |
| Pretax return on assets | 0.8295% | 3,553 |
| Return on Equity (ROE) | 7.0564% | 3,191 |
| Retained earnings to average equity (ytd only) | 6.4094% | 1,629 |
| Net charge-offs to loans | 0.0588% | 1,937 |
| Credit loss provision to net charge-offs | 284.3478% | 1,792 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,788 |
| Efficiency ratio | 77.0888% | 1,114 |
| Assets per employee ($millions) | 4.6461% | 3,767 |
| Cash dividends to net income (ytd only)* | 9.1690% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 2,938 |
| Loan loss allowance to noncurrent loans | 98.8050% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.9757% | 990 |
| Noncurrent loans to loans | 1.2159% | 1,145 |
| Net loans and leases to total assets | 64.5668% | 2,286 |
| Net loans and leases to deposits | 71.3718% | 2,750 |
| Net loans and leases to core deposits | 85.9780% | 1,871 |
| Total domestic deposits to total assets | 90.4654% | 390 |
| Equity capital to assets | 9.2346% | 3,850 |
| Core capital (leverage) ratio | 9.1357% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2346% | 1,770 |
| Memoranda: | ||
| Average total assets | $586,594,800 | 1,354 |
| Average earning assets | $551,171,200 | 1,345 |
| Average equity | $56,105,400 | 1,527 |
| Average total loans | $391,404,400 | 1,391 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 3,543 |
| Cost of funding earning assets | 0.6736% | 2,178 |
| Net interest margin | 3.1347% | 3,656 |
| Noninterest income to average assets | 1.0919% | 868 |
| Noninterest expense to average assets | 3.1465% | 1,158 |
| Loan and lease loss provision to assets | 0.1518% | 2,495 |
| Net operating income to assets | 0.5991% | 3,772 |
| Return on assets (ROA) | 0.5991% | 3,872 |
| Pretax return on assets | 0.7370% | 3,805 |
| Return on Equity (ROE) | 6.2051% | 3,480 |
| Retained earnings to average equity (ytd only) | 5.7538% | 2,207 |
| Net charge-offs to loans | 0.0725% | 1,587 |
| Credit loss provision to net charge-offs | 311.9048% | 1,731 |
| Earnings coverage of net charge-offs (x) | 18.2619% | 1,965 |
| Efficiency ratio | 77.9737% | 1,039 |
| Assets per employee ($millions) | 4.7124% | 3,584 |
| Cash dividends to net income (ytd only)* | 7.2727% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 2,625 |
| Loan loss allowance to noncurrent loans | 97.6480% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.9501% | 1,181 |
| Noncurrent loans to loans | 1.2361% | 1,234 |
| Net loans and leases to total assets | 65.5553% | 2,573 |
| Net loans and leases to deposits | 72.4972% | 3,086 |
| Net loans and leases to core deposits | 88.6653% | 2,088 |
| Total domestic deposits to total assets | 90.4245% | 301 |
| Equity capital to assets | 9.2027% | 3,949 |
| Core capital (leverage) ratio | 9.0631% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9193% | 1,855 |
| Memoranda: | ||
| Average total assets | $575,277,250 | 1,358 |
| Average earning assets | $540,183,500 | 1,350 |
| Average equity | $55,544,250 | 1,529 |
| Average total loans | $386,021,500 | 1,398 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8972% | 3,628 |
| Cost of funding earning assets | 0.7277% | 2,252 |
| Net interest margin | 3.1695% | 3,746 |
| Noninterest income to average assets | 0.9981% | 989 |
| Noninterest expense to average assets | 3.1571% | 1,232 |
| Loan and lease loss provision to assets | 0.1551% | 2,448 |
| Net operating income to assets | 0.5367% | 3,914 |
| Return on assets (ROA) | 0.5367% | 3,994 |
| Pretax return on assets | 0.6571% | 3,957 |
| Return on Equity (ROE) | 5.4640% | 3,686 |
| Retained earnings to average equity (ytd only) | 4.8747% | 2,536 |
| Net charge-offs to loans | 0.1135% | 1,167 |
| Credit loss provision to net charge-offs | 202.8037% | 1,897 |
| Earnings coverage of net charge-offs (x) | 10.6215% | 2,141 |
| Efficiency ratio | 79.5373% | 922 |
| Assets per employee ($millions) | 4.6866% | 3,544 |
| Cash dividends to net income (ytd only)* | 10.7856% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 2,652 |
| Loan loss allowance to noncurrent loans | 104.2059% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8752% | 1,409 |
| Noncurrent loans to loans | 1.1246% | 1,400 |
| Net loans and leases to total assets | 65.3397% | 2,719 |
| Net loans and leases to deposits | 72.2213% | 3,238 |
| Net loans and leases to core deposits | 87.6858% | 2,280 |
| Total domestic deposits to total assets | 90.4715% | 281 |
| Equity capital to assets | 9.1663% | 3,956 |
| Core capital (leverage) ratio | 9.2506% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1360% | 1,749 |
| Memoranda: | ||
| Average total assets | $559,690,667 | 1,374 |
| Average earning assets | $524,687,333 | 1,363 |
| Average equity | $54,977,667 | 1,528 |
| Average total loans | $377,108,667 | 1,405 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 3,386 |
| Cost of funding earning assets | 0.8059% | 2,355 |
| Net interest margin | 3.3418% | 3,480 |
| Noninterest income to average assets | 1.0335% | 798 |
| Noninterest expense to average assets | 3.3664% | 1,117 |
| Loan and lease loss provision to assets | 0.2246% | 1,380 |
| Net operating income to assets | 0.4649% | 3,985 |
| Return on assets (ROA) | 0.4649% | 4,043 |
| Pretax return on assets | 0.5663% | 3,990 |
| Return on Equity (ROE) | 4.5575% | 3,800 |
| Retained earnings to average equity (ytd only) | 4.5575% | 2,478 |
| Net charge-offs to loans | 0.2338% | 611 |
| Credit loss provision to net charge-offs | 141.0377% | 1,618 |
| Earnings coverage of net charge-offs (x) | 4.9670% | 2,094 |
| Efficiency ratio | 80.9756% | 1,047 |
| Assets per employee ($millions) | 4.1108% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 2,254 |
| Loan loss allowance to noncurrent loans | 103.6539% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9813% | 1,350 |
| Noncurrent loans to loans | 1.2309% | 1,324 |
| Net loans and leases to total assets | 65.4430% | 2,879 |
| Net loans and leases to deposits | 73.0427% | 3,351 |
| Net loans and leases to core deposits | 90.5532% | 2,291 |
| Total domestic deposits to total assets | 89.5955% | 447 |
| Equity capital to assets | 10.0741% | 3,711 |
| Core capital (leverage) ratio | 10.1713% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3286% | 1,806 |
| Memoranda: | ||
| Average total assets | $532,562,500 | 1,394 |
| Average earning assets | $497,822,500 | 1,388 |
| Average equity | $54,328,500 | 1,535 |
| Average total loans | $362,709,000 | 1,410 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 3,388 |
| Cost of funding earning assets | 0.8255% | 2,557 |
| Net interest margin | 3.5259% | 3,359 |
| Noninterest income to average assets | 1.1144% | 766 |
| Noninterest expense to average assets | 3.5029% | 960 |
| Loan and lease loss provision to assets | 0.0758% | 2,479 |
| Net operating income to assets | 0.6928% | 3,885 |
| Return on assets (ROA) | 0.6928% | 3,951 |
| Pretax return on assets | 0.8168% | 3,938 |
| Return on Equity (ROE) | 6.8589% | 3,602 |
| Retained earnings to average equity (ytd only) | 5.5502% | 2,133 |
| Net charge-offs to loans | 0.0661% | 2,143 |
| Credit loss provision to net charge-offs | 166.6667% | 1,551 |
| Earnings coverage of net charge-offs (x) | 19.6239% | 1,986 |
| Efficiency ratio | 79.6931% | 968 |
| Assets per employee ($millions) | 3.9272% | 4,003 |
| Cash dividends to net income (ytd only)* | 19.0797% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,172 |
| Loan loss allowance to noncurrent loans | 96.9444% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.0918% | 1,124 |
| Noncurrent loans to loans | 1.2893% | 1,171 |
| Net loans and leases to total assets | 69.1482% | 2,525 |
| Net loans and leases to deposits | 77.5137% | 3,060 |
| Net loans and leases to core deposits | 96.0557% | 1,897 |
| Total domestic deposits to total assets | 89.2077% | 590 |
| Equity capital to assets | 10.3355% | 3,597 |
| Core capital (leverage) ratio | 10.1179% | 3,393 |
| Tier 1 risk-based capital ratio | 14.0082% | 3,271 |
| Total risk-based capital ratio | 15.2379% | 3,184 |
| Memoranda: | ||
| Average total assets | $514,457,200 | 1,390 |
| Average earning assets | $478,742,800 | 1,383 |
| Average equity | $51,961,800 | 1,543 |
| Average total loans | $353,986,000 | 1,402 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3704% | 3,451 |
| Cost of funding earning assets | 0.8163% | 2,631 |
| Net interest margin | 3.5541% | 3,392 |
| Noninterest income to average assets | 1.1049% | 749 |
| Noninterest expense to average assets | 3.5015% | 947 |
| Loan and lease loss provision to assets | 0.0826% | 2,255 |
| Net operating income to assets | 0.7026% | 4,006 |
| Return on assets (ROA) | 0.7026% | 4,071 |
| Pretax return on assets | 0.8242% | 4,062 |
| Return on Equity (ROE) | 6.9978% | 3,683 |
| Retained earnings to average equity (ytd only) | 5.8987% | 2,419 |
| Net charge-offs to loans | 0.0876% | 1,596 |
| Credit loss provision to net charge-offs | 137.6623% | 1,745 |
| Earnings coverage of net charge-offs (x) | 15.1170% | 2,206 |
| Efficiency ratio | 79.4310% | 970 |
| Assets per employee ($millions) | 4.0125% | 3,887 |
| Cash dividends to net income (ytd only)* | 15.7058% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,238 |
| Loan loss allowance to noncurrent loans | 96.7518% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.0688% | 1,235 |
| Noncurrent loans to loans | 1.2919% | 1,197 |
| Net loans and leases to total assets | 67.1558% | 2,906 |
| Net loans and leases to deposits | 75.1569% | 3,372 |
| Net loans and leases to core deposits | 92.9874% | 2,267 |
| Total domestic deposits to total assets | 89.3541% | 494 |
| Equity capital to assets | 10.1107% | 3,907 |
| Core capital (leverage) ratio | 10.0872% | 3,544 |
| Tier 1 risk-based capital ratio | 13.9884% | 3,339 |
| Total risk-based capital ratio | 15.2121% | 3,267 |
| Memoranda: | ||
| Average total assets | $513,474,500 | 1,398 |
| Average earning assets | $477,263,500 | 1,392 |
| Average equity | $51,557,750 | 1,556 |
| Average total loans | $351,734,250 | 1,420 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3665% | 3,432 |
| Cost of funding earning assets | 0.8023% | 2,630 |
| Net interest margin | 3.5642% | 3,383 |
| Noninterest income to average assets | 1.1083% | 694 |
| Noninterest expense to average assets | 3.4494% | 1,027 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8323% | 3,531 |
| Return on assets (ROA) | 0.8323% | 3,593 |
| Pretax return on assets | 0.9674% | 3,658 |
| Return on Equity (ROE) | 8.3091% | 3,157 |
| Retained earnings to average equity (ytd only) | 6.6434% | 1,982 |
| Net charge-offs to loans | -0.0131% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0978% | 1,137 |
| Assets per employee ($millions) | 4.0037% | 3,855 |
| Cash dividends to net income (ytd only)* | 20.0472% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,207 |
| Loan loss allowance to noncurrent loans | 111.6350% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.9501% | 1,469 |
| Noncurrent loans to loans | 1.1268% | 1,448 |
| Net loans and leases to total assets | 66.4188% | 3,052 |
| Net loans and leases to deposits | 74.3896% | 3,488 |
| Net loans and leases to core deposits | 92.1198% | 2,405 |
| Total domestic deposits to total assets | 89.2850% | 545 |
| Equity capital to assets | 10.0731% | 3,916 |
| Core capital (leverage) ratio | 10.1652% | 3,421 |
| Tier 1 risk-based capital ratio | 14.0660% | 3,285 |
| Total risk-based capital ratio | 15.2931% | 3,212 |
| Memoranda: | ||
| Average total assets | $509,419,670 | 1,404 |
| Average earning assets | $472,870,000 | 1,407 |
| Average equity | $51,028,330 | 1,562 |
| Average total loans | $349,824,000 | 1,439 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3558% | 3,387 |
| Cost of funding earning assets | 0.7876% | 2,608 |
| Net interest margin | 3.5682% | 3,368 |
| Noninterest income to average assets | 1.1058% | 663 |
| Noninterest expense to average assets | 3.3881% | 1,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9534% | 3,037 |
| Return on assets (ROA) | 0.9534% | 3,079 |
| Pretax return on assets | 1.0264% | 3,362 |
| Return on Equity (ROE) | 9.5454% | 2,572 |
| Retained earnings to average equity (ytd only) | 9.5454% | 1,149 |
| Net charge-offs to loans | -0.0435% | 4,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7488% | 1,412 |
| Assets per employee ($millions) | 3.6576% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,244 |
| Loan loss allowance to noncurrent loans | 132.9822% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.8753% | 1,615 |
| Noncurrent loans to loans | 0.9526% | 1,755 |
| Net loans and leases to total assets | 67.7476% | 2,789 |
| Net loans and leases to deposits | 75.7756% | 3,282 |
| Net loans and leases to core deposits | 93.7105% | 2,153 |
| Total domestic deposits to total assets | 89.4056% | 691 |
| Equity capital to assets | 10.0742% | 3,751 |
| Core capital (leverage) ratio | 10.2934% | 3,282 |
| Tier 1 risk-based capital ratio | 14.3108% | 3,187 |
| Total risk-based capital ratio | 15.5609% | 3,118 |
| Memoranda: | ||
| Average total assets | $503,887,500 | 1,427 |
| Average earning assets | $467,241,000 | 1,431 |
| Average equity | $50,328,000 | 1,568 |
| Average total loans | $349,684,500 | 1,440 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 3,254 |
| Cost of funding earning assets | 0.5590% | 2,992 |
| Net interest margin | 3.6970% | 3,042 |
| Noninterest income to average assets | 0.9895% | 963 |
| Noninterest expense to average assets | 3.5776% | 898 |
| Loan and lease loss provision to assets | 0.0555% | 3,056 |
| Net operating income to assets | 0.6324% | 4,328 |
| Return on assets (ROA) | 0.6327% | 4,335 |
| Pretax return on assets | 0.7691% | 4,246 |
| Return on Equity (ROE) | 6.3021% | 4,066 |
| Retained earnings to average equity (ytd only) | 5.1202% | 2,707 |
| Net charge-offs to loans | 0.0021% | 3,674 |
| Credit loss provision to net charge-offs | 3,800.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 564.5714% | 199 |
| Efficiency ratio | 81.2764% | 863 |
| Assets per employee ($millions) | 3.6990% | 4,319 |
| Cash dividends to net income (ytd only)* | 18.7541% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,298 |
| Loan loss allowance to noncurrent loans | 133.7710% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.9238% | 1,492 |
| Noncurrent loans to loans | 0.9343% | 1,721 |
| Net loans and leases to total assets | 69.3148% | 2,690 |
| Net loans and leases to deposits | 77.4734% | 3,231 |
| Net loans and leases to core deposits | 96.4132% | 2,022 |
| Total domestic deposits to total assets | 89.4691% | 674 |
| Equity capital to assets | 9.9001% | 3,762 |
| Core capital (leverage) ratio | 10.4018% | 3,137 |
| Tier 1 risk-based capital ratio | 14.2219% | 3,195 |
| Total risk-based capital ratio | 15.4666% | 3,119 |
| Memoranda: | ||
| Average total assets | $479,515,200 | 1,459 |
| Average earning assets | $442,580,800 | 1,471 |
| Average equity | $48,143,000 | 1,568 |
| Average total loans | $339,987,600 | 1,439 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1999% | 3,327 |
| Cost of funding earning assets | 0.4994% | 3,206 |
| Net interest margin | 3.7005% | 3,016 |
| Noninterest income to average assets | 0.9182% | 1,144 |
| Noninterest expense to average assets | 3.5449% | 926 |
| Loan and lease loss provision to assets | 0.0509% | 2,969 |
| Net operating income to assets | 0.6087% | 4,481 |
| Return on assets (ROA) | 0.6091% | 4,486 |
| Pretax return on assets | 0.7353% | 4,457 |
| Return on Equity (ROE) | 6.0448% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.0522% | 3,211 |
| Net charge-offs to loans | 0.0059% | 3,223 |
| Credit loss provision to net charge-offs | 1,206.6667% | 338 |
| Earnings coverage of net charge-offs (x) | 186.3955% | 462 |
| Efficiency ratio | 81.8595% | 783 |
| Assets per employee ($millions) | 3.5019% | 4,562 |
| Cash dividends to net income (ytd only)* | 16.4205% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,367 |
| Loan loss allowance to noncurrent loans | 116.5851% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.0407% | 1,394 |
| Noncurrent loans to loans | 1.0722% | 1,590 |
| Net loans and leases to total assets | 70.6045% | 2,555 |
| Net loans and leases to deposits | 79.0044% | 3,137 |
| Net loans and leases to core deposits | 93.4014% | 2,360 |
| Total domestic deposits to total assets | 89.3678% | 715 |
| Equity capital to assets | 10.0528% | 3,584 |
| Core capital (leverage) ratio | 10.7628% | 2,830 |
| Tier 1 risk-based capital ratio | 13.9855% | 3,380 |
| Total risk-based capital ratio | 15.1915% | 3,312 |
| Memoranda: | ||
| Average total assets | $474,552,250 | 1,480 |
| Average earning assets | $437,590,000 | 1,487 |
| Average equity | $47,819,250 | 1,574 |
| Average total loans | $337,355,500 | 1,454 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 3,295 |
| Cost of funding earning assets | 0.4522% | 3,340 |
| Net interest margin | 3.6933% | 2,954 |
| Noninterest income to average assets | 1.1628% | 711 |
| Noninterest expense to average assets | 3.8962% | 605 |
| Loan and lease loss provision to assets | 0.0508% | 2,902 |
| Net operating income to assets | 0.5186% | 4,707 |
| Return on assets (ROA) | 0.5186% | 4,710 |
| Pretax return on assets | 0.6188% | 4,706 |
| Return on Equity (ROE) | 5.1424% | 4,510 |
| Retained earnings to average equity (ytd only) | 4.3832% | 3,408 |
| Net charge-offs to loans | -0.0078% | 4,228 |
| Credit loss provision to net charge-offs | -923.0769% | 4,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3344% | 610 |
| Assets per employee ($millions) | 3.5553% | 4,527 |
| Cash dividends to net income (ytd only)* | 14.7635% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,433 |
| Loan loss allowance to noncurrent loans | 98.1319% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.2741% | 1,111 |
| Noncurrent loans to loans | 1.2739% | 1,343 |
| Net loans and leases to total assets | 70.0293% | 2,577 |
| Net loans and leases to deposits | 78.0832% | 3,151 |
| Net loans and leases to core deposits | 90.8078% | 2,505 |
| Total domestic deposits to total assets | 89.6854% | 672 |
| Equity capital to assets | 9.9083% | 3,715 |
| Core capital (leverage) ratio | 10.2407% | 3,301 |
| Tier 1 risk-based capital ratio | 13.5759% | 3,577 |
| Total risk-based capital ratio | 14.7966% | 3,497 |
| Memoranda: | ||
| Average total assets | $472,814,000 | 1,494 |
| Average earning assets | $435,656,330 | 1,505 |
| Average equity | $47,682,330 | 1,580 |
| Average total loans | $335,465,670 | 1,461 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 3,141 |
| Cost of funding earning assets | 0.3886% | 3,672 |
| Net interest margin | 3.7369% | 2,657 |
| Noninterest income to average assets | 1.1568% | 688 |
| Noninterest expense to average assets | 3.5777% | 888 |
| Loan and lease loss provision to assets | 0.0256% | 3,184 |
| Net operating income to assets | 0.8115% | 3,661 |
| Return on assets (ROA) | 0.8115% | 3,668 |
| Pretax return on assets | 0.9880% | 3,578 |
| Return on Equity (ROE) | 7.9756% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.9756% | 1,846 |
| Net charge-offs to loans | -0.0637% | 5,073 |
| Credit loss provision to net charge-offs | -56.6038% | 3,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9242% | 1,360 |
| Assets per employee ($millions) | 3.5668% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,517 |
| Loan loss allowance to noncurrent loans | 115.0479% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.2789% | 1,160 |
| Noncurrent loans to loans | 1.0870% | 1,686 |
| Net loans and leases to total assets | 69.9949% | 2,491 |
| Net loans and leases to deposits | 78.2717% | 2,993 |
| Net loans and leases to core deposits | 90.9049% | 2,380 |
| Total domestic deposits to total assets | 89.4256% | 916 |
| Equity capital to assets | 10.0932% | 3,508 |
| Core capital (leverage) ratio | 10.5084% | 2,931 |
| Tier 1 risk-based capital ratio | 13.5077% | 3,649 |
| Total risk-based capital ratio | 14.7108% | 3,599 |
| Memoranda: | ||
| Average total assets | $469,240,000 | 1,513 |
| Average earning assets | $431,262,000 | 1,522 |
| Average equity | $47,745,500 | 1,589 |
| Average total loans | $333,014,000 | 1,474 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9510% | 3,565 |
| Cost of funding earning assets | 0.3653% | 3,563 |
| Net interest margin | 3.5856% | 3,219 |
| Noninterest income to average assets | 1.2457% | 683 |
| Noninterest expense to average assets | 3.6735% | 824 |
| Loan and lease loss provision to assets | 0.1462% | 1,559 |
| Net operating income to assets | 0.3876% | 4,734 |
| Return on assets (ROA) | 0.3924% | 4,731 |
| Pretax return on assets | 0.7263% | 4,444 |
| Return on Equity (ROE) | 3.7941% | 4,562 |
| Retained earnings to average equity (ytd only) | 3.4069% | 3,243 |
| Net charge-offs to loans | 0.0373% | 3,045 |
| Credit loss provision to net charge-offs | 570.9402% | 568 |
| Earnings coverage of net charge-offs (x) | 33.7863% | 1,423 |
| Efficiency ratio | 80.9393% | 1,020 |
| Assets per employee ($millions) | 3.4378% | 4,780 |
| Cash dividends to net income (ytd only)* | 10.2064% | 3,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,470 |
| Loan loss allowance to noncurrent loans | 130.8156% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.1987% | 1,236 |
| Noncurrent loans to loans | 0.9555% | 1,853 |
| Net loans and leases to total assets | 70.1700% | 2,499 |
| Net loans and leases to deposits | 78.9046% | 3,023 |
| Net loans and leases to core deposits | 91.2238% | 2,435 |
| Total domestic deposits to total assets | 88.9302% | 1,034 |
| Equity capital to assets | 10.2588% | 3,423 |
| Core capital (leverage) ratio | 10.3611% | 3,002 |
| Tier 1 risk-based capital ratio | 13.3987% | 3,689 |
| Total risk-based capital ratio | 14.5925% | 3,628 |
| Memoranda: | ||
| Average total assets | $456,947,200 | 1,523 |
| Average earning assets | $419,645,000 | 1,533 |
| Average equity | $47,257,000 | 1,590 |
| Average total loans | $313,381,200 | 1,515 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9130% | 3,650 |
| Cost of funding earning assets | 0.3613% | 3,549 |
| Net interest margin | 3.5517% | 3,315 |
| Noninterest income to average assets | 1.2532% | 671 |
| Noninterest expense to average assets | 3.6719% | 793 |
| Loan and lease loss provision to assets | 0.0864% | 2,360 |
| Net operating income to assets | 0.5554% | 4,555 |
| Return on assets (ROA) | 0.5624% | 4,569 |
| Pretax return on assets | 0.7672% | 4,434 |
| Return on Equity (ROE) | 5.4272% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.4272% | 2,583 |
| Net charge-offs to loans | 0.0319% | 2,795 |
| Credit loss provision to net charge-offs | 398.6486% | 772 |
| Earnings coverage of net charge-offs (x) | 38.9341% | 1,332 |
| Efficiency ratio | 81.3116% | 973 |
| Assets per employee ($millions) | 3.5309% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 2,946 |
| Loan loss allowance to noncurrent loans | 118.9087% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.2060% | 1,363 |
| Noncurrent loans to loans | 1.0070% | 1,930 |
| Net loans and leases to total assets | 67.1297% | 2,964 |
| Net loans and leases to deposits | 75.8773% | 3,388 |
| Net loans and leases to core deposits | 88.2573% | 2,747 |
| Total domestic deposits to total assets | 88.4714% | 1,138 |
| Equity capital to assets | 10.3539% | 3,531 |
| Core capital (leverage) ratio | 10.1988% | 3,316 |
| Tier 1 risk-based capital ratio | 13.6171% | 3,628 |
| Total risk-based capital ratio | 14.7518% | 3,612 |
| Memoranda: | ||
| Average total assets | $455,159,000 | 1,542 |
| Average earning assets | $418,122,000 | 1,552 |
| Average equity | $47,168,500 | 1,605 |
| Average total loans | $309,281,250 | 1,535 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8768% | 3,637 |
| Cost of funding earning assets | 0.3602% | 3,480 |
| Net interest margin | 3.5167% | 3,335 |
| Noninterest income to average assets | 1.2664% | 645 |
| Noninterest expense to average assets | 3.6814% | 788 |
| Loan and lease loss provision to assets | 0.0704% | 2,564 |
| Net operating income to assets | 0.5496% | 4,525 |
| Return on assets (ROA) | 0.5608% | 4,520 |
| Pretax return on assets | 0.7605% | 4,404 |
| Return on Equity (ROE) | 5.4096% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.4096% | 2,464 |
| Net charge-offs to loans | -0.0098% | 4,525 |
| Credit loss provision to net charge-offs | -1,060.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8576% | 1,021 |
| Assets per employee ($millions) | 3.3063% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 3,034 |
| Loan loss allowance to noncurrent loans | 116.5577% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.2675% | 1,317 |
| Noncurrent loans to loans | 1.0266% | 1,912 |
| Net loans and leases to total assets | 67.2862% | 2,905 |
| Net loans and leases to deposits | 76.5512% | 3,281 |
| Net loans and leases to core deposits | 89.2302% | 2,594 |
| Total domestic deposits to total assets | 87.8970% | 1,508 |
| Equity capital to assets | 10.3858% | 3,472 |
| Core capital (leverage) ratio | 10.1844% | 3,298 |
| Tier 1 risk-based capital ratio | 13.6673% | 3,610 |
| Total risk-based capital ratio | 14.8084% | 3,583 |
| Memoranda: | ||
| Average total assets | $451,517,330 | 1,559 |
| Average earning assets | $414,825,670 | 1,563 |
| Average equity | $46,805,330 | 1,619 |
| Average total loans | $306,817,330 | 1,547 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8676% | 3,517 |
| Cost of funding earning assets | 0.3524% | 3,501 |
| Net interest margin | 3.5152% | 3,223 |
| Noninterest income to average assets | 1.2916% | 611 |
| Noninterest expense to average assets | 3.7283% | 749 |
| Loan and lease loss provision to assets | 0.0822% | 2,174 |
| Net operating income to assets | 0.5281% | 4,476 |
| Return on assets (ROA) | 0.5506% | 4,422 |
| Pretax return on assets | 0.7392% | 4,312 |
| Return on Equity (ROE) | 5.3169% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.3169% | 2,729 |
| Net charge-offs to loans | -0.0329% | 4,976 |
| Credit loss provision to net charge-offs | -368.0000% | 4,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4960% | 1,112 |
| Assets per employee ($millions) | 3.2361% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 3,159 |
| Loan loss allowance to noncurrent loans | 226.8143% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.9547% | 1,925 |
| Noncurrent loans to loans | 0.5272% | 3,232 |
| Net loans and leases to total assets | 65.8457% | 2,994 |
| Net loans and leases to deposits | 74.6880% | 3,336 |
| Net loans and leases to core deposits | 86.4877% | 2,676 |
| Total domestic deposits to total assets | 88.1611% | 1,614 |
| Equity capital to assets | 10.0924% | 3,641 |
| Core capital (leverage) ratio | 10.1749% | 3,272 |
| Tier 1 risk-based capital ratio | 13.4503% | 3,801 |
| Total risk-based capital ratio | 14.5768% | 3,788 |
| Memoranda: | ||
| Average total assets | $447,490,500 | 1,578 |
| Average earning assets | $410,901,000 | 1,586 |
| Average equity | $46,343,000 | 1,635 |
| Average total loans | $303,739,500 | 1,564 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6983% | 4,214 |
| Cost of funding earning assets | 0.3015% | 4,049 |
| Net interest margin | 3.3968% | 3,835 |
| Noninterest income to average assets | 1.3834% | 601 |
| Noninterest expense to average assets | 3.8717% | 714 |
| Loan and lease loss provision to assets | 0.1577% | 1,580 |
| Net operating income to assets | 0.3747% | 5,019 |
| Return on assets (ROA) | 0.3831% | 5,080 |
| Pretax return on assets | 0.4756% | 5,078 |
| Return on Equity (ROE) | 3.6129% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.1800% | 3,648 |
| Net charge-offs to loans | 0.0221% | 3,599 |
| Credit loss provision to net charge-offs | 1,145.0000% | 343 |
| Earnings coverage of net charge-offs (x) | 45.2333% | 1,078 |
| Efficiency ratio | 86.1403% | 810 |
| Assets per employee ($millions) | 3.0873% | 5,280 |
| Cash dividends to net income (ytd only)* | 11.9832% | 3,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 3,156 |
| Loan loss allowance to noncurrent loans | 216.4242% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 1.0277% | 1,846 |
| Noncurrent loans to loans | 0.5517% | 3,193 |
| Net loans and leases to total assets | 68.3707% | 2,714 |
| Net loans and leases to deposits | 78.2840% | 3,068 |
| Net loans and leases to core deposits | 87.6484% | 2,708 |
| Total domestic deposits to total assets | 87.3367% | 1,964 |
| Equity capital to assets | 10.6386% | 2,992 |
| Core capital (leverage) ratio | 10.1748% | 3,262 |
| Tier 1 risk-based capital ratio | 13.5427% | 3,746 |
| Total risk-based capital ratio | 14.6574% | 3,728 |
| Memoranda: | ||
| Average total assets | $435,671,400 | 1,556 |
| Average earning assets | $399,052,400 | 1,573 |
| Average equity | $46,195,400 | 1,632 |
| Average total loans | $271,789,200 | 1,663 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6564% | 4,384 |
| Cost of funding earning assets | 0.2921% | 4,191 |
| Net interest margin | 3.3643% | 3,973 |
| Noninterest income to average assets | 1.3650% | 628 |
| Noninterest expense to average assets | 3.8408% | 723 |
| Loan and lease loss provision to assets | 0.1106% | 2,082 |
| Net operating income to assets | 0.3946% | 5,036 |
| Return on assets (ROA) | 0.4053% | 5,097 |
| Pretax return on assets | 0.5082% | 5,105 |
| Return on Equity (ROE) | 3.8256% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.8256% | 3,587 |
| Net charge-offs to loans | -0.0242% | 5,074 |
| Credit loss provision to net charge-offs | -754.1667% | 5,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3846% | 793 |
| Assets per employee ($millions) | 3.2149% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 3,297 |
| Loan loss allowance to noncurrent loans | 192.7586% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 1.0614% | 1,941 |
| Noncurrent loans to loans | 0.6177% | 3,163 |
| Net loans and leases to total assets | 63.1994% | 3,497 |
| Net loans and leases to deposits | 72.3175% | 3,773 |
| Net loans and leases to core deposits | 79.7182% | 3,474 |
| Total domestic deposits to total assets | 87.3916% | 1,716 |
| Equity capital to assets | 10.7060% | 3,349 |
| Core capital (leverage) ratio | 10.3505% | 3,156 |
| Tier 1 risk-based capital ratio | 13.8842% | 3,619 |
| Total risk-based capital ratio | 14.9572% | 3,654 |
| Memoranda: | ||
| Average total assets | $436,534,500 | 1,551 |
| Average earning assets | $399,800,500 | 1,571 |
| Average equity | $46,248,750 | 1,644 |
| Average total loans | $264,966,000 | 1,704 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6296% | 4,507 |
| Cost of funding earning assets | 0.2828% | 4,320 |
| Net interest margin | 3.3468% | 4,072 |
| Noninterest income to average assets | 1.3207% | 654 |
| Noninterest expense to average assets | 3.8030% | 764 |
| Loan and lease loss provision to assets | 0.1310% | 1,743 |
| Net operating income to assets | 0.3630% | 5,142 |
| Return on assets (ROA) | 0.3786% | 5,180 |
| Pretax return on assets | 0.4678% | 5,205 |
| Return on Equity (ROE) | 3.5867% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.5867% | 3,609 |
| Net charge-offs to loans | -0.0378% | 5,244 |
| Credit loss provision to net charge-offs | -581.6327% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7778% | 812 |
| Assets per employee ($millions) | 3.0191% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 3,425 |
| Loan loss allowance to noncurrent loans | 153.8967% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.1793% | 1,770 |
| Noncurrent loans to loans | 0.7729% | 2,814 |
| Net loans and leases to total assets | 63.9705% | 3,365 |
| Net loans and leases to deposits | 73.4812% | 3,654 |
| Net loans and leases to core deposits | 79.9743% | 3,458 |
| Total domestic deposits to total assets | 87.0569% | 1,892 |
| Equity capital to assets | 10.9975% | 3,063 |
| Core capital (leverage) ratio | 10.4667% | 3,011 |
| Tier 1 risk-based capital ratio | 14.2649% | 3,462 |
| Total risk-based capital ratio | 15.3557% | 3,458 |
| Memoranda: | ||
| Average total assets | $435,234,000 | 1,561 |
| Average earning assets | $398,172,670 | 1,580 |
| Average equity | $45,947,330 | 1,655 |
| Average total loans | $259,385,670 | 1,742 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4784% | 4,939 |
| Cost of funding earning assets | 0.2886% | 4,290 |
| Net interest margin | 3.1898% | 4,615 |
| Noninterest income to average assets | 1.2682% | 680 |
| Noninterest expense to average assets | 3.6608% | 946 |
| Loan and lease loss provision to assets | 0.1327% | 1,590 |
| Net operating income to assets | 0.3145% | 5,260 |
| Return on assets (ROA) | 0.3145% | 5,346 |
| Pretax return on assets | 0.4082% | 5,297 |
| Return on Equity (ROE) | 3.0409% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.0409% | 3,991 |
| Net charge-offs to loans | 0.0557% | 1,960 |
| Credit loss provision to net charge-offs | 417.1429% | 687 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,592 |
| Efficiency ratio | 87.1268% | 880 |
| Assets per employee ($millions) | 3.0932% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 3,569 |
| Loan loss allowance to noncurrent loans | 136.0802% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 1.2074% | 1,807 |
| Noncurrent loans to loans | 0.8710% | 2,667 |
| Net loans and leases to total assets | 58.3961% | 3,998 |
| Net loans and leases to deposits | 66.6490% | 4,191 |
| Net loans and leases to core deposits | 74.2375% | 3,867 |
| Total domestic deposits to total assets | 87.6174% | 1,854 |
| Equity capital to assets | 10.5215% | 3,466 |
| Core capital (leverage) ratio | 10.1526% | 3,365 |
| Tier 1 risk-based capital ratio | 14.8421% | 3,226 |
| Total risk-based capital ratio | 15.9149% | 3,246 |
| Memoranda: | ||
| Average total assets | $440,007,500 | 1,547 |
| Average earning assets | $404,670,000 | 1,549 |
| Average equity | $45,513,500 | 1,658 |
| Average total loans | $251,282,500 | 1,790 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5334% | 4,835 |
| Cost of funding earning assets | 0.3160% | 4,077 |
| Net interest margin | 3.2173% | 4,565 |
| Noninterest income to average assets | 1.2851% | 729 |
| Noninterest expense to average assets | 3.8010% | 861 |
| Loan and lease loss provision to assets | -0.0249% | 5,676 |
| Net operating income to assets | 0.3619% | 5,172 |
| Return on assets (ROA) | 0.3754% | 5,212 |
| Pretax return on assets | 0.4688% | 5,179 |
| Return on Equity (ROE) | 3.5602% | 5,124 |
| Retained earnings to average equity (ytd only) | 2.8481% | 4,042 |
| Net charge-offs to loans | -0.0107% | 5,124 |
| Credit loss provision to net charge-offs | 407.6923% | 748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9001% | 693 |
| Assets per employee ($millions) | 3.0195% | 5,508 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 3,470 |
| Loan loss allowance to noncurrent loans | 118.5663% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.2384% | 1,733 |
| Noncurrent loans to loans | 1.0142% | 2,314 |
| Net loans and leases to total assets | 54.4922% | 4,454 |
| Net loans and leases to deposits | 62.0162% | 4,637 |
| Net loans and leases to core deposits | 69.0330% | 4,377 |
| Total domestic deposits to total assets | 87.8676% | 1,705 |
| Equity capital to assets | 10.1692% | 3,783 |
| Core capital (leverage) ratio | 10.0412% | 3,454 |
| Tier 1 risk-based capital ratio | 15.5657% | 2,900 |
| Total risk-based capital ratio | 16.6616% | 2,914 |
| Memoranda: | ||
| Average total assets | $426,207,000 | 1,558 |
| Average earning assets | $389,855,200 | 1,563 |
| Average equity | $44,941,800 | 1,640 |
| Average total loans | $242,267,400 | 1,783 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5846% | 4,781 |
| Cost of funding earning assets | 0.3209% | 4,093 |
| Net interest margin | 3.2637% | 4,476 |
| Noninterest income to average assets | 1.3008% | 713 |
| Noninterest expense to average assets | 3.7774% | 877 |
| Loan and lease loss provision to assets | -0.0335% | 5,880 |
| Net operating income to assets | 0.4233% | 5,077 |
| Return on assets (ROA) | 0.4233% | 5,164 |
| Pretax return on assets | 0.5371% | 5,132 |
| Return on Equity (ROE) | 3.9768% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.9768% | 3,639 |
| Net charge-offs to loans | -0.0397% | 5,463 |
| Credit loss provision to net charge-offs | 147.2222% | 1,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2375% | 822 |
| Assets per employee ($millions) | 3.0561% | 5,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 3,366 |
| Loan loss allowance to noncurrent loans | 93.6717% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.4450% | 1,570 |
| Noncurrent loans to loans | 1.3349% | 1,916 |
| Net loans and leases to total assets | 53.6555% | 4,596 |
| Net loans and leases to deposits | 61.2990% | 4,769 |
| Net loans and leases to core deposits | 68.7290% | 4,478 |
| Total domestic deposits to total assets | 87.5307% | 1,791 |
| Equity capital to assets | 10.3842% | 3,725 |
| Core capital (leverage) ratio | 10.3471% | 3,200 |
| Tier 1 risk-based capital ratio | 16.1175% | 2,747 |
| Total risk-based capital ratio | 17.2652% | 2,734 |
| Memoranda: | ||
| Average total assets | $421,791,000 | 1,584 |
| Average earning assets | $385,155,250 | 1,596 |
| Average equity | $44,892,750 | 1,656 |
| Average total loans | $241,629,500 | 1,791 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 4,492 |
| Cost of funding earning assets | 0.3309% | 4,041 |
| Net interest margin | 3.3430% | 4,131 |
| Noninterest income to average assets | 1.2971% | 722 |
| Noninterest expense to average assets | 3.7893% | 880 |
| Loan and lease loss provision to assets | 0.0221% | 3,689 |
| Net operating income to assets | 0.4176% | 5,089 |
| Return on assets (ROA) | 0.4176% | 5,187 |
| Pretax return on assets | 0.5288% | 5,152 |
| Return on Equity (ROE) | 3.8903% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.8903% | 3,526 |
| Net charge-offs to loans | -0.0363% | 5,408 |
| Credit loss provision to net charge-offs | -104.5455% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3074% | 961 |
| Assets per employee ($millions) | 2.8719% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 3,344 |
| Loan loss allowance to noncurrent loans | 101.5324% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.5667% | 1,551 |
| Noncurrent loans to loans | 1.2617% | 2,140 |
| Net loans and leases to total assets | 58.4329% | 4,050 |
| Net loans and leases to deposits | 67.1935% | 4,205 |
| Net loans and leases to core deposits | 72.6678% | 4,069 |
| Total domestic deposits to total assets | 86.9622% | 2,190 |
| Equity capital to assets | 10.9276% | 2,962 |
| Core capital (leverage) ratio | 10.7333% | 2,695 |
| Tier 1 risk-based capital ratio | 15.9113% | 2,898 |
| Total risk-based capital ratio | 17.0212% | 2,924 |
| Memoranda: | ||
| Average total assets | $415,694,000 | 1,612 |
| Average earning assets | $378,399,330 | 1,629 |
| Average equity | $44,624,000 | 1,677 |
| Average total loans | $242,466,670 | 1,793 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6896% | 4,405 |
| Cost of funding earning assets | 0.3364% | 4,018 |
| Net interest margin | 3.3532% | 4,010 |
| Noninterest income to average assets | 1.1994% | 789 |
| Noninterest expense to average assets | 3.7188% | 983 |
| Loan and lease loss provision to assets | 0.0440% | 3,040 |
| Net operating income to assets | 0.3893% | 5,108 |
| Return on assets (ROA) | 0.3893% | 5,227 |
| Pretax return on assets | 0.4878% | 5,215 |
| Return on Equity (ROE) | 3.6586% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.6586% | 3,811 |
| Net charge-offs to loans | 0.0380% | 2,451 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 24.1739% | 1,302 |
| Efficiency ratio | 87.4887% | 1,056 |
| Assets per employee ($millions) | 2.8859% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 3,685 |
| Loan loss allowance to noncurrent loans | 110.8000% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.4950% | 1,755 |
| Noncurrent loans to loans | 1.1283% | 2,516 |
| Net loans and leases to total assets | 57.5148% | 4,026 |
| Net loans and leases to deposits | 65.9353% | 4,156 |
| Net loans and leases to core deposits | 71.9902% | 3,963 |
| Total domestic deposits to total assets | 87.2292% | 2,250 |
| Equity capital to assets | 10.6968% | 3,321 |
| Core capital (leverage) ratio | 10.5154% | 2,939 |
| Tier 1 risk-based capital ratio | 15.6974% | 3,060 |
| Total risk-based capital ratio | 16.7876% | 3,071 |
| Memoranda: | ||
| Average total assets | $418,203,000 | 1,619 |
| Average earning assets | $380,528,000 | 1,628 |
| Average equity | $44,497,500 | 1,681 |
| Average total loans | $242,158,000 | 1,793 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 4,687 |
| Cost of funding earning assets | 0.3899% | 3,797 |
| Net interest margin | 3.3476% | 4,409 |
| Noninterest income to average assets | 1.3409% | 678 |
| Noninterest expense to average assets | 4.1020% | 685 |
| Loan and lease loss provision to assets | 0.0611% | 3,296 |
| Net operating income to assets | 0.1970% | 5,772 |
| Return on assets (ROA) | 0.2312% | 5,765 |
| Pretax return on assets | 0.2453% | 5,795 |
| Return on Equity (ROE) | 2.1674% | 5,727 |
| Retained earnings to average equity (ytd only) | 0.3093% | 5,639 |
| Net charge-offs to loans | 0.1469% | 2,567 |
| Credit loss provision to net charge-offs | 72.0000% | 3,022 |
| Earnings coverage of net charge-offs (x) | 3.1800% | 3,952 |
| Efficiency ratio | 93.8239% | 603 |
| Assets per employee ($millions) | 2.9853% | 5,717 |
| Cash dividends to net income (ytd only)* | 85.7293% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 3,686 |
| Loan loss allowance to noncurrent loans | 107.1201% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.5222% | 1,788 |
| Noncurrent loans to loans | 1.1734% | 2,488 |
| Net loans and leases to total assets | 56.8419% | 4,222 |
| Net loans and leases to deposits | 65.5803% | 4,370 |
| Net loans and leases to core deposits | 70.8503% | 4,235 |
| Total domestic deposits to total assets | 86.6753% | 2,471 |
| Equity capital to assets | 10.5834% | 3,384 |
| Core capital (leverage) ratio | 10.2624% | 3,226 |
| Tier 1 risk-based capital ratio | 16.5200% | 2,703 |
| Total risk-based capital ratio | 17.6767% | 2,695 |
| Memoranda: | ||
| Average total assets | $412,186,600 | 1,605 |
| Average earning assets | $373,218,600 | 1,617 |
| Average equity | $43,969,600 | 1,643 |
| Average total loans | $238,324,200 | 1,771 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7380% | 4,746 |
| Cost of funding earning assets | 0.3920% | 3,880 |
| Net interest margin | 3.3460% | 4,445 |
| Noninterest income to average assets | 1.3172% | 702 |
| Noninterest expense to average assets | 3.8946% | 852 |
| Loan and lease loss provision to assets | 0.0818% | 2,716 |
| Net operating income to assets | 0.3025% | 5,570 |
| Return on assets (ROA) | 0.3366% | 5,541 |
| Pretax return on assets | 0.4109% | 5,557 |
| Return on Equity (ROE) | 3.1492% | 5,488 |
| Retained earnings to average equity (ytd only) | 2.1653% | 4,977 |
| Net charge-offs to loans | 0.1968% | 1,900 |
| Credit loss provision to net charge-offs | 71.7949% | 2,739 |
| Earnings coverage of net charge-offs (x) | 3.9601% | 3,561 |
| Efficiency ratio | 89.6176% | 872 |
| Assets per employee ($millions) | 2.8952% | 5,857 |
| Cash dividends to net income (ytd only)* | 31.2441% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 3,944 |
| Loan loss allowance to noncurrent loans | 102.3705% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.7308% | 1,730 |
| Noncurrent loans to loans | 1.2215% | 2,605 |
| Net loans and leases to total assets | 56.4769% | 4,270 |
| Net loans and leases to deposits | 65.8230% | 4,349 |
| Net loans and leases to core deposits | 70.8656% | 4,254 |
| Total domestic deposits to total assets | 85.8012% | 2,960 |
| Equity capital to assets | 10.4704% | 3,604 |
| Core capital (leverage) ratio | 10.3427% | 3,224 |
| Tier 1 risk-based capital ratio | 16.6703% | 2,737 |
| Total risk-based capital ratio | 17.8254% | 2,736 |
| Memoranda: | ||
| Average total assets | $410,747,000 | 1,622 |
| Average earning assets | $371,775,250 | 1,636 |
| Average equity | $43,903,750 | 1,649 |
| Average total loans | $237,757,250 | 1,782 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7548% | 4,674 |
| Cost of funding earning assets | 0.3943% | 3,925 |
| Net interest margin | 3.3605% | 4,350 |
| Noninterest income to average assets | 1.3030% | 702 |
| Noninterest expense to average assets | 3.8573% | 899 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3855% | 5,279 |
| Return on assets (ROA) | 0.3855% | 5,349 |
| Pretax return on assets | 0.4838% | 5,319 |
| Return on Equity (ROE) | 3.5811% | 5,308 |
| Retained earnings to average equity (ytd only) | 2.1012% | 4,846 |
| Net charge-offs to loans | 0.0491% | 3,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.9655% | 1,759 |
| Efficiency ratio | 88.8549% | 1,006 |
| Assets per employee ($millions) | 2.8713% | 5,933 |
| Cash dividends to net income (ytd only)* | 41.3265% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 3,962 |
| Loan loss allowance to noncurrent loans | 84.4077% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.8301% | 1,770 |
| Noncurrent loans to loans | 1.5173% | 2,291 |
| Net loans and leases to total assets | 56.3387% | 4,237 |
| Net loans and leases to deposits | 65.7578% | 4,292 |
| Net loans and leases to core deposits | 69.5917% | 4,304 |
| Total domestic deposits to total assets | 85.6760% | 3,205 |
| Equity capital to assets | 10.5648% | 3,359 |
| Core capital (leverage) ratio | 10.5661% | 2,868 |
| Tier 1 risk-based capital ratio | 17.2472% | 2,519 |
| Total risk-based capital ratio | 18.4658% | 2,493 |
| Memoranda: | ||
| Average total assets | $406,761,330 | 1,636 |
| Average earning assets | $367,741,000 | 1,648 |
| Average equity | $43,785,330 | 1,641 |
| Average total loans | $236,425,330 | 1,781 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7769% | 4,575 |
| Cost of funding earning assets | 0.4026% | 3,942 |
| Net interest margin | 3.3743% | 4,246 |
| Noninterest income to average assets | 1.2793% | 683 |
| Noninterest expense to average assets | 3.9038% | 855 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3465% | 5,326 |
| Return on assets (ROA) | 0.3465% | 5,387 |
| Pretax return on assets | 0.4224% | 5,377 |
| Return on Equity (ROE) | 3.1883% | 5,395 |
| Retained earnings to average equity (ytd only) | 3.1883% | 4,212 |
| Net charge-offs to loans | 0.0187% | 3,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 38.4545% | 900 |
| Efficiency ratio | 90.2355% | 1,012 |
| Assets per employee ($millions) | 2.7823% | 6,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 3,975 |
| Loan loss allowance to noncurrent loans | 97.3100% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.9536% | 1,755 |
| Noncurrent loans to loans | 1.3630% | 2,752 |
| Net loans and leases to total assets | 57.7692% | 3,882 |
| Net loans and leases to deposits | 67.8177% | 3,875 |
| Net loans and leases to core deposits | 72.5585% | 3,811 |
| Total domestic deposits to total assets | 85.1831% | 3,787 |
| Equity capital to assets | 10.9110% | 2,810 |
| Core capital (leverage) ratio | 10.9166% | 2,471 |
| Tier 1 risk-based capital ratio | 17.5380% | 2,468 |
| Total risk-based capital ratio | 18.7882% | 2,435 |
| Memoranda: | ||
| Average total assets | $400,535,500 | 1,667 |
| Average earning assets | $361,675,000 | 1,684 |
| Average equity | $43,533,500 | 1,636 |
| Average total loans | $235,016,500 | 1,789 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 4,494 |
| Cost of funding earning assets | 0.4568% | 4,052 |
| Net interest margin | 3.4335% | 4,155 |
| Noninterest income to average assets | 1.4155% | 702 |
| Noninterest expense to average assets | 4.0034% | 873 |
| Loan and lease loss provision to assets | 0.0214% | 4,703 |
| Net operating income to assets | 0.3969% | 5,154 |
| Return on assets (ROA) | 0.4067% | 5,234 |
| Pretax return on assets | 0.5045% | 5,196 |
| Return on Equity (ROE) | 3.7920% | 5,198 |
| Retained earnings to average equity (ytd only) | 2.9146% | 4,169 |
| Net charge-offs to loans | 0.1523% | 3,281 |
| Credit loss provision to net charge-offs | 23.9669% | 4,371 |
| Earnings coverage of net charge-offs (x) | 5.7466% | 3,224 |
| Efficiency ratio | 88.6241% | 1,154 |
| Assets per employee ($millions) | 2.6874% | 6,234 |
| Cash dividends to net income (ytd only)* | 23.1375% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 4,005 |
| Loan loss allowance to noncurrent loans | 107.3959% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 1.8383% | 1,991 |
| Noncurrent loans to loans | 1.2346% | 3,072 |
| Net loans and leases to total assets | 58.0258% | 4,030 |
| Net loans and leases to deposits | 68.2358% | 4,017 |
| Net loans and leases to core deposits | 73.6086% | 3,881 |
| Total domestic deposits to total assets | 85.0372% | 3,729 |
| Equity capital to assets | 10.8266% | 2,788 |
| Core capital (leverage) ratio | 10.6994% | 2,680 |
| Tier 1 risk-based capital ratio | 17.3078% | 2,488 |
| Total risk-based capital ratio | 18.5581% | 2,463 |
| Memoranda: | ||
| Average total assets | $405,926,000 | 1,626 |
| Average earning assets | $366,712,000 | 1,648 |
| Average equity | $43,539,000 | 1,610 |
| Average total loans | $238,314,000 | 1,742 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 4,551 |
| Cost of funding earning assets | 0.4677% | 4,085 |
| Net interest margin | 3.4201% | 4,208 |
| Noninterest income to average assets | 1.3988% | 745 |
| Noninterest expense to average assets | 3.9570% | 899 |
| Loan and lease loss provision to assets | 0.0285% | 4,439 |
| Net operating income to assets | 0.3956% | 5,258 |
| Return on assets (ROA) | 0.4085% | 5,353 |
| Pretax return on assets | 0.5202% | 5,298 |
| Return on Equity (ROE) | 3.8177% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.2456% | 4,365 |
| Net charge-offs to loans | 0.1400% | 3,138 |
| Credit loss provision to net charge-offs | 34.6614% | 3,809 |
| Earnings coverage of net charge-offs (x) | 6.4781% | 2,965 |
| Efficiency ratio | 88.1435% | 1,158 |
| Assets per employee ($millions) | 2.7335% | 6,232 |
| Cash dividends to net income (ytd only)* | 14.9841% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 3,895 |
| Loan loss allowance to noncurrent loans | 115.9140% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 2.0064% | 2,009 |
| Noncurrent loans to loans | 1.2077% | 3,403 |
| Net loans and leases to total assets | 56.3029% | 4,277 |
| Net loans and leases to deposits | 66.1027% | 4,295 |
| Net loans and leases to core deposits | 71.4473% | 4,158 |
| Total domestic deposits to total assets | 85.1748% | 3,650 |
| Equity capital to assets | 10.5909% | 3,172 |
| Core capital (leverage) ratio | 10.6281% | 2,861 |
| Tier 1 risk-based capital ratio | 17.3061% | 2,580 |
| Total risk-based capital ratio | 18.5568% | 2,553 |
| Memoranda: | ||
| Average total assets | $407,302,500 | 1,630 |
| Average earning assets | $368,046,750 | 1,649 |
| Average equity | $43,585,750 | 1,612 |
| Average total loans | $239,025,250 | 1,732 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 4,485 |
| Cost of funding earning assets | 0.4824% | 4,065 |
| Net interest margin | 3.4160% | 4,130 |
| Noninterest income to average assets | 1.3855% | 817 |
| Noninterest expense to average assets | 3.9802% | 887 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3927% | 5,242 |
| Return on assets (ROA) | 0.4120% | 5,333 |
| Pretax return on assets | 0.5242% | 5,292 |
| Return on Equity (ROE) | 3.8374% | 5,276 |
| Retained earnings to average equity (ytd only) | 2.9887% | 4,419 |
| Net charge-offs to loans | 0.0132% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 63.7500% | 674 |
| Efficiency ratio | 88.8451% | 1,144 |
| Assets per employee ($millions) | 2.7259% | 6,259 |
| Cash dividends to net income (ytd only)* | 22.1165% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 3,922 |
| Loan loss allowance to noncurrent loans | 95.2408% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 2.1599% | 2,000 |
| Noncurrent loans to loans | 1.4964% | 3,061 |
| Net loans and leases to total assets | 58.3786% | 3,928 |
| Net loans and leases to deposits | 68.8080% | 3,889 |
| Net loans and leases to core deposits | 74.6121% | 3,716 |
| Total domestic deposits to total assets | 84.8427% | 3,969 |
| Equity capital to assets | 10.9013% | 2,842 |
| Core capital (leverage) ratio | 10.4536% | 2,938 |
| Tier 1 risk-based capital ratio | 16.8434% | 2,770 |
| Total risk-based capital ratio | 18.0947% | 2,742 |
| Memoranda: | ||
| Average total assets | $408,218,330 | 1,629 |
| Average earning assets | $369,784,330 | 1,638 |
| Average equity | $43,832,330 | 1,608 |
| Average total loans | $241,697,000 | 1,710 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9237% | 4,391 |
| Cost of funding earning assets | 0.4969% | 4,125 |
| Net interest margin | 3.4268% | 4,023 |
| Noninterest income to average assets | 1.4176% | 756 |
| Noninterest expense to average assets | 3.9235% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4631% | 4,859 |
| Return on assets (ROA) | 0.4631% | 5,021 |
| Pretax return on assets | 0.6010% | 4,940 |
| Return on Equity (ROE) | 4.3455% | 4,928 |
| Retained earnings to average equity (ytd only) | 2.6419% | 4,699 |
| Net charge-offs to loans | -0.0394% | 6,021 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7167% | 1,435 |
| Assets per employee ($millions) | 2.8576% | 6,204 |
| Cash dividends to net income (ytd only)* | 39.2034% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 4,167 |
| Loan loss allowance to noncurrent loans | 83.6879% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 2.1682% | 2,158 |
| Noncurrent loans to loans | 1.6900% | 3,010 |
| Net loans and leases to total assets | 58.3740% | 3,725 |
| Net loans and leases to deposits | 69.2162% | 3,612 |
| Net loans and leases to core deposits | 74.9136% | 3,475 |
| Total domestic deposits to total assets | 84.3357% | 4,342 |
| Equity capital to assets | 10.7751% | 3,227 |
| Core capital (leverage) ratio | 10.2811% | 3,036 |
| Tier 1 risk-based capital ratio | 16.3712% | 3,079 |
| Total risk-based capital ratio | 17.6224% | 3,025 |
| Memoranda: | ||
| Average total assets | $411,975,000 | 1,628 |
| Average earning assets | $373,524,000 | 1,640 |
| Average equity | $43,907,500 | 1,628 |
| Average total loans | $243,891,500 | 1,705 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1590% | 4,739 |
| Cost of funding earning assets | 0.6373% | 4,031 |
| Net interest margin | 3.5217% | 4,411 |
| Noninterest income to average assets | 1.4726% | 721 |
| Noninterest expense to average assets | 4.1680% | 807 |
| Loan and lease loss provision to assets | 0.0378% | 5,406 |
| Net operating income to assets | 0.3643% | 5,239 |
| Return on assets (ROA) | 0.4111% | 5,311 |
| Pretax return on assets | 0.5263% | 5,202 |
| Return on Equity (ROE) | 3.7444% | 5,252 |
| Retained earnings to average equity (ytd only) | -7.3911% | 6,544 |
| Net charge-offs to loans | 0.0629% | 5,062 |
| Credit loss provision to net charge-offs | 101.9737% | 2,959 |
| Earnings coverage of net charge-offs (x) | 13.5921% | 1,811 |
| Efficiency ratio | 89.2104% | 1,131 |
| Assets per employee ($millions) | 2.8841% | 6,188 |
| Cash dividends to net income (ytd only)* | 297.3887% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 4,252 |
| Loan loss allowance to noncurrent loans | 66.5101% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.4755% | 1,972 |
| Noncurrent loans to loans | 2.0783% | 2,606 |
| Net loans and leases to total assets | 58.3717% | 3,904 |
| Net loans and leases to deposits | 69.2292% | 3,806 |
| Net loans and leases to core deposits | 74.8642% | 3,674 |
| Total domestic deposits to total assets | 84.3167% | 4,175 |
| Equity capital to assets | 10.5424% | 3,477 |
| Core capital (leverage) ratio | 10.2661% | 3,056 |
| Tier 1 risk-based capital ratio | 16.1007% | 3,106 |
| Total risk-based capital ratio | 17.3515% | 3,059 |
| Memoranda: | ||
| Average total assets | $409,832,200 | 1,597 |
| Average earning assets | $372,350,400 | 1,606 |
| Average equity | $45,000,000 | 1,544 |
| Average total loans | $241,538,200 | 1,705 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2040% | 4,805 |
| Cost of funding earning assets | 0.6717% | 4,001 |
| Net interest margin | 3.5322% | 4,519 |
| Noninterest income to average assets | 1.4359% | 727 |
| Noninterest expense to average assets | 4.1837% | 735 |
| Loan and lease loss provision to assets | 0.0238% | 5,497 |
| Net operating income to assets | 0.3448% | 5,453 |
| Return on assets (ROA) | 0.3973% | 5,482 |
| Pretax return on assets | 0.5089% | 5,441 |
| Return on Equity (ROE) | 3.5816% | 5,462 |
| Retained earnings to average equity (ytd only) | -10.0033% | 6,814 |
| Net charge-offs to loans | 0.0471% | 4,994 |
| Credit loss provision to net charge-offs | 85.8824% | 3,433 |
| Earnings coverage of net charge-offs (x) | 16.7766% | 1,661 |
| Efficiency ratio | 89.9881% | 1,045 |
| Assets per employee ($millions) | 2.7899% | 6,366 |
| Cash dividends to net income (ytd only)* | 379.2923% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 4,376 |
| Loan loss allowance to noncurrent loans | 85.9066% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 2.2415% | 2,378 |
| Noncurrent loans to loans | 1.6295% | 3,352 |
| Net loans and leases to total assets | 58.4995% | 4,045 |
| Net loans and leases to deposits | 69.7090% | 3,935 |
| Net loans and leases to core deposits | 76.1254% | 3,711 |
| Total domestic deposits to total assets | 83.9195% | 4,259 |
| Equity capital to assets | 10.7269% | 3,579 |
| Core capital (leverage) ratio | 10.0678% | 3,445 |
| Tier 1 risk-based capital ratio | 16.5958% | 2,944 |
| Total risk-based capital ratio | 17.8471% | 2,917 |
| Memoranda: | ||
| Average total assets | $408,461,750 | 1,613 |
| Average earning assets | $371,577,000 | 1,624 |
| Average equity | $45,304,000 | 1,545 |
| Average total loans | $240,466,750 | 1,726 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 4,694 |
| Cost of funding earning assets | 0.6956% | 4,049 |
| Net interest margin | 3.5727% | 4,376 |
| Noninterest income to average assets | 1.3976% | 735 |
| Noninterest expense to average assets | 4.2877% | 657 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2887% | 5,659 |
| Return on assets (ROA) | 0.3693% | 5,569 |
| Pretax return on assets | 0.4642% | 5,531 |
| Return on Equity (ROE) | 3.2940% | 5,561 |
| Retained earnings to average equity (ytd only) | -16.4133% | 6,966 |
| Net charge-offs to loans | 0.0308% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 20.0811% | 1,404 |
| Efficiency ratio | 92.1855% | 921 |
| Assets per employee ($millions) | 2.7723% | 6,442 |
| Cash dividends to net income (ytd only)* | 598.2781% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 4,459 |
| Loan loss allowance to noncurrent loans | 67.0929% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 2.6729% | 2,070 |
| Noncurrent loans to loans | 2.0881% | 2,837 |
| Net loans and leases to total assets | 57.6003% | 4,235 |
| Net loans and leases to deposits | 69.2291% | 4,006 |
| Net loans and leases to core deposits | 74.6675% | 3,936 |
| Total domestic deposits to total assets | 83.2025% | 4,675 |
| Equity capital to assets | 10.5367% | 3,639 |
| Core capital (leverage) ratio | 9.9912% | 3,428 |
| Tier 1 risk-based capital ratio | 16.5347% | 2,896 |
| Total risk-based capital ratio | 17.7858% | 2,856 |
| Memoranda: | ||
| Average total assets | $408,842,330 | 1,616 |
| Average earning assets | $372,327,670 | 1,625 |
| Average equity | $45,841,000 | 1,520 |
| Average total loans | $240,068,000 | 1,721 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2915% | 4,776 |
| Cost of funding earning assets | 0.7211% | 4,098 |
| Net interest margin | 3.5703% | 4,392 |
| Noninterest income to average assets | 1.4231% | 719 |
| Noninterest expense to average assets | 4.0342% | 901 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4861% | 4,887 |
| Return on assets (ROA) | 0.4861% | 5,088 |
| Pretax return on assets | 0.6498% | 4,939 |
| Return on Equity (ROE) | 4.2082% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.3768% | 4,541 |
| Net charge-offs to loans | 0.0583% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 18.9429% | 1,245 |
| Efficiency ratio | 86.1268% | 1,473 |
| Assets per employee ($millions) | 2.7438% | 6,583 |
| Cash dividends to net income (ytd only)* | 19.7581% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 4,551 |
| Loan loss allowance to noncurrent loans | 96.4132% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 2.5804% | 2,294 |
| Noncurrent loans to loans | 1.4657% | 3,920 |
| Net loans and leases to total assets | 57.3398% | 4,158 |
| Net loans and leases to deposits | 69.8016% | 3,759 |
| Net loans and leases to core deposits | 75.5260% | 3,683 |
| Total domestic deposits to total assets | 82.1469% | 5,244 |
| Equity capital to assets | 11.5633% | 2,381 |
| Core capital (leverage) ratio | 11.0163% | 2,247 |
| Tier 1 risk-based capital ratio | 18.3479% | 2,187 |
| Total risk-based capital ratio | 19.5994% | 2,158 |
| Memoranda: | ||
| Average total assets | $408,114,500 | 1,625 |
| Average earning assets | $372,739,000 | 1,627 |
| Average equity | $47,145,500 | 1,478 |
| Average total loans | $240,256,500 | 1,715 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4803% | 5,154 |
| Cost of funding earning assets | 0.8216% | 4,696 |
| Net interest margin | 3.6586% | 4,478 |
| Noninterest income to average assets | 1.2706% | 798 |
| Noninterest expense to average assets | 4.1098% | 900 |
| Loan and lease loss provision to assets | 0.0265% | 6,244 |
| Net operating income to assets | 0.3846% | 4,929 |
| Return on assets (ROA) | 0.3842% | 5,102 |
| Pretax return on assets | 0.4796% | 5,047 |
| Return on Equity (ROE) | 3.3912% | 5,124 |
| Retained earnings to average equity (ytd only) | 1.5370% | 5,118 |
| Net charge-offs to loans | 0.0555% | 5,762 |
| Credit loss provision to net charge-offs | 80.7407% | 4,413 |
| Earnings coverage of net charge-offs (x) | 15.4519% | 1,391 |
| Efficiency ratio | 89.0263% | 1,273 |
| Assets per employee ($millions) | 2.7343% | 6,558 |
| Cash dividends to net income (ytd only)* | 54.6776% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 4,467 |
| Loan loss allowance to noncurrent loans | 115.6335% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 2.4710% | 2,456 |
| Noncurrent loans to loans | 1.2095% | 4,354 |
| Net loans and leases to total assets | 58.7472% | 4,238 |
| Net loans and leases to deposits | 71.7065% | 3,845 |
| Net loans and leases to core deposits | 77.3653% | 3,767 |
| Total domestic deposits to total assets | 81.9273% | 5,154 |
| Equity capital to assets | 11.5407% | 2,467 |
| Core capital (leverage) ratio | 10.9522% | 2,309 |
| Tier 1 risk-based capital ratio | 17.8553% | 2,247 |
| Total risk-based capital ratio | 19.1069% | 2,216 |
| Memoranda: | ||
| Average total assets | $411,769,200 | 1,577 |
| Average earning assets | $376,563,400 | 1,577 |
| Average equity | $46,650,600 | 1,463 |
| Average total loans | $243,430,800 | 1,718 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4912% | 5,277 |
| Cost of funding earning assets | 0.8430% | 4,822 |
| Net interest margin | 3.6482% | 4,574 |
| Noninterest income to average assets | 1.2827% | 786 |
| Noninterest expense to average assets | 4.0339% | 967 |
| Loan and lease loss provision to assets | 0.0233% | 6,157 |
| Net operating income to assets | 0.4400% | 4,817 |
| Return on assets (ROA) | 0.4395% | 5,013 |
| Pretax return on assets | 0.5626% | 4,924 |
| Return on Equity (ROE) | 3.8975% | 5,041 |
| Retained earnings to average equity (ytd only) | 2.6575% | 4,763 |
| Net charge-offs to loans | 0.0361% | 5,640 |
| Credit loss provision to net charge-offs | 109.0909% | 3,028 |
| Earnings coverage of net charge-offs (x) | 27.5144% | 987 |
| Efficiency ratio | 87.3069% | 1,409 |
| Assets per employee ($millions) | 2.7169% | 6,628 |
| Cash dividends to net income (ytd only)* | 31.8149% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 4,515 |
| Loan loss allowance to noncurrent loans | 77.1499% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 2.4616% | 2,617 |
| Noncurrent loans to loans | 1.8278% | 3,606 |
| Net loans and leases to total assets | 59.1858% | 4,292 |
| Net loans and leases to deposits | 72.6274% | 3,866 |
| Net loans and leases to core deposits | 78.4302% | 3,837 |
| Total domestic deposits to total assets | 81.4924% | 5,257 |
| Equity capital to assets | 11.6848% | 2,514 |
| Core capital (leverage) ratio | 10.9535% | 2,433 |
| Tier 1 risk-based capital ratio | 17.6651% | 2,375 |
| Total risk-based capital ratio | 18.9164% | 2,341 |
| Memoranda: | ||
| Average total assets | $412,859,000 | 1,583 |
| Average earning assets | $377,707,500 | 1,581 |
| Average equity | $46,558,750 | 1,467 |
| Average total loans | $243,604,250 | 1,731 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 5,364 |
| Cost of funding earning assets | 0.8571% | 5,005 |
| Net interest margin | 3.6401% | 4,564 |
| Noninterest income to average assets | 1.2610% | 792 |
| Noninterest expense to average assets | 4.0372% | 993 |
| Loan and lease loss provision to assets | 0.0347% | 5,881 |
| Net operating income to assets | 0.4123% | 4,887 |
| Return on assets (ROA) | 0.4115% | 5,047 |
| Pretax return on assets | 0.5179% | 4,999 |
| Return on Equity (ROE) | 3.6924% | 5,068 |
| Retained earnings to average equity (ytd only) | 2.2543% | 4,857 |
| Net charge-offs to loans | 0.0730% | 4,917 |
| Credit loss provision to net charge-offs | 80.8989% | 3,743 |
| Earnings coverage of net charge-offs (x) | 12.9213% | 1,591 |
| Efficiency ratio | 87.9430% | 1,418 |
| Assets per employee ($millions) | 2.6458% | 6,726 |
| Cash dividends to net income (ytd only)* | 38.9474% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 4,577 |
| Loan loss allowance to noncurrent loans | 77.8591% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 2.1998% | 2,982 |
| Noncurrent loans to loans | 1.7956% | 3,761 |
| Net loans and leases to total assets | 58.9221% | 4,480 |
| Net loans and leases to deposits | 72.0585% | 4,103 |
| Net loans and leases to core deposits | 77.6773% | 4,092 |
| Total domestic deposits to total assets | 81.7698% | 5,248 |
| Equity capital to assets | 11.4652% | 2,535 |
| Core capital (leverage) ratio | 10.8355% | 2,385 |
| Tier 1 risk-based capital ratio | 17.8062% | 2,237 |
| Total risk-based capital ratio | 19.0576% | 2,192 |
| Memoranda: | ||
| Average total assets | $415,539,670 | 1,587 |
| Average earning assets | $380,101,000 | 1,578 |
| Average equity | $46,311,000 | 1,458 |
| Average total loans | $243,798,670 | 1,752 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 5,518 |
| Cost of funding earning assets | 0.8893% | 5,003 |
| Net interest margin | 3.5584% | 4,774 |
| Noninterest income to average assets | 1.3547% | 704 |
| Noninterest expense to average assets | 4.1517% | 866 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3727% | 5,060 |
| Return on assets (ROA) | 0.3727% | 5,146 |
| Pretax return on assets | 0.4566% | 5,163 |
| Return on Equity (ROE) | 3.3920% | 5,202 |
| Retained earnings to average equity (ytd only) | 2.4117% | 4,703 |
| Net charge-offs to loans | -0.0738% | 6,998 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0910% | 1,326 |
| Assets per employee ($millions) | 2.6156% | 6,825 |
| Cash dividends to net income (ytd only)* | 28.9003% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 4,548 |
| Loan loss allowance to noncurrent loans | 70.5906% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 2.3045% | 2,943 |
| Noncurrent loans to loans | 2.0181% | 3,550 |
| Net loans and leases to total assets | 57.6684% | 4,697 |
| Net loans and leases to deposits | 69.5028% | 4,428 |
| Net loans and leases to core deposits | 75.1922% | 4,398 |
| Total domestic deposits to total assets | 82.9728% | 4,942 |
| Equity capital to assets | 11.1285% | 2,555 |
| Core capital (leverage) ratio | 10.5577% | 2,553 |
| Tier 1 risk-based capital ratio | 17.4373% | 2,322 |
| Total risk-based capital ratio | 18.6888% | 2,287 |
| Memoranda: | ||
| Average total assets | $419,584,500 | 1,589 |
| Average earning assets | $383,651,000 | 1,575 |
| Average equity | $46,109,000 | 1,457 |
| Average total loans | $243,957,000 | 1,764 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6470% | 5,961 |
| Cost of funding earning assets | 1.1275% | 4,982 |
| Net interest margin | 3.5195% | 5,163 |
| Noninterest income to average assets | 1.3144% | 854 |
| Noninterest expense to average assets | 4.1732% | 928 |
| Loan and lease loss provision to assets | 0.1623% | 5,589 |
| Net operating income to assets | 0.1940% | 5,283 |
| Return on assets (ROA) | 0.3096% | 5,073 |
| Pretax return on assets | 0.3349% | 5,131 |
| Return on Equity (ROE) | 2.7907% | 5,044 |
| Retained earnings to average equity (ytd only) | 0.6456% | 5,251 |
| Net charge-offs to loans | 0.3219% | 4,405 |
| Credit loss provision to net charge-offs | 88.9179% | 5,170 |
| Earnings coverage of net charge-offs (x) | 2.0352% | 4,207 |
| Efficiency ratio | 91.8255% | 1,195 |
| Assets per employee ($millions) | 2.6291% | 6,804 |
| Cash dividends to net income (ytd only)* | 76.8640% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 4,513 |
| Loan loss allowance to noncurrent loans | 72.0514% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 2.2630% | 3,011 |
| Noncurrent loans to loans | 1.9410% | 3,647 |
| Net loans and leases to total assets | 56.9813% | 5,191 |
| Net loans and leases to deposits | 69.5887% | 4,864 |
| Net loans and leases to core deposits | 75.6633% | 4,762 |
| Total domestic deposits to total assets | 81.8830% | 5,226 |
| Equity capital to assets | 10.8524% | 2,815 |
| Core capital (leverage) ratio | 10.4404% | 2,619 |
| Tier 1 risk-based capital ratio | 17.0074% | 2,341 |
| Total risk-based capital ratio | 18.2583% | 2,309 |
| Memoranda: | ||
| Average total assets | $420,181,000 | 1,578 |
| Average earning assets | $385,646,400 | 1,567 |
| Average equity | $46,619,800 | 1,440 |
| Average total loans | $238,272,600 | 1,835 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 6,056 |
| Cost of funding earning assets | 1.1625% | 5,076 |
| Net interest margin | 3.5288% | 5,186 |
| Noninterest income to average assets | 1.2961% | 821 |
| Noninterest expense to average assets | 4.1620% | 869 |
| Loan and lease loss provision to assets | 0.1198% | 5,833 |
| Net operating income to assets | 0.2477% | 5,360 |
| Return on assets (ROA) | 0.2715% | 5,437 |
| Pretax return on assets | 0.2813% | 5,550 |
| Return on Equity (ROE) | 2.4335% | 5,455 |
| Retained earnings to average equity (ytd only) | 0.5072% | 5,594 |
| Net charge-offs to loans | 0.2952% | 4,185 |
| Credit loss provision to net charge-offs | 71.9466% | 5,366 |
| Earnings coverage of net charge-offs (x) | 2.2595% | 4,040 |
| Efficiency ratio | 91.7064% | 1,151 |
| Assets per employee ($millions) | 2.5772% | 6,978 |
| Cash dividends to net income (ytd only)* | 79.1567% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 4,473 |
| Loan loss allowance to noncurrent loans | 76.4974% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 2.2785% | 3,106 |
| Noncurrent loans to loans | 1.8283% | 3,901 |
| Net loans and leases to total assets | 57.0720% | 5,405 |
| Net loans and leases to deposits | 70.3631% | 5,096 |
| Net loans and leases to core deposits | 76.8013% | 4,947 |
| Total domestic deposits to total assets | 81.1108% | 5,327 |
| Equity capital to assets | 11.2995% | 2,705 |
| Core capital (leverage) ratio | 10.5274% | 2,659 |
| Tier 1 risk-based capital ratio | 17.2861% | 2,245 |
| Total risk-based capital ratio | 18.5368% | 2,207 |
| Memoranda: | ||
| Average total assets | $419,406,000 | 1,608 |
| Average earning assets | $385,353,000 | 1,586 |
| Average equity | $46,790,750 | 1,444 |
| Average total loans | $236,687,750 | 1,872 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 6,102 |
| Cost of funding earning assets | 1.1972% | 5,144 |
| Net interest margin | 3.5158% | 5,185 |
| Noninterest income to average assets | 1.2763% | 791 |
| Noninterest expense to average assets | 4.1231% | 891 |
| Loan and lease loss provision to assets | 0.0889% | 6,035 |
| Net operating income to assets | 0.2856% | 5,238 |
| Return on assets (ROA) | 0.2856% | 5,387 |
| Pretax return on assets | 0.2975% | 5,505 |
| Return on Equity (ROE) | 2.5706% | 5,425 |
| Retained earnings to average equity (ytd only) | 0.4363% | 5,591 |
| Net charge-offs to loans | 0.3558% | 3,575 |
| Credit loss provision to net charge-offs | 44.6301% | 5,529 |
| Earnings coverage of net charge-offs (x) | 1.9403% | 4,064 |
| Efficiency ratio | 91.4331% | 1,225 |
| Assets per employee ($millions) | 2.5739% | 6,993 |
| Cash dividends to net income (ytd only)* | 83.0283% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 4,429 |
| Loan loss allowance to noncurrent loans | 50.4546% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 2.4035% | 2,993 |
| Noncurrent loans to loans | 2.7717% | 2,886 |
| Net loans and leases to total assets | 55.7050% | 5,747 |
| Net loans and leases to deposits | 68.5781% | 5,480 |
| Net loans and leases to core deposits | 74.9592% | 5,327 |
| Total domestic deposits to total assets | 81.2286% | 5,323 |
| Equity capital to assets | 11.2833% | 2,607 |
| Core capital (leverage) ratio | 10.2721% | 2,870 |
| Tier 1 risk-based capital ratio | 17.7145% | 2,027 |
| Total risk-based capital ratio | 18.9655% | 2,000 |
| Memoranda: | ||
| Average total assets | $420,898,000 | 1,619 |
| Average earning assets | $387,058,000 | 1,598 |
| Average equity | $46,759,330 | 1,436 |
| Average total loans | $235,527,670 | 1,906 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7134% | 6,201 |
| Cost of funding earning assets | 1.2386% | 5,183 |
| Net interest margin | 3.4747% | 5,267 |
| Noninterest income to average assets | 1.2769% | 744 |
| Noninterest expense to average assets | 4.1203% | 885 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3216% | 5,203 |
| Return on assets (ROA) | 0.3216% | 5,334 |
| Pretax return on assets | 0.3499% | 5,457 |
| Return on Equity (ROE) | 2.9170% | 5,374 |
| Retained earnings to average equity (ytd only) | 1.2233% | 5,328 |
| Net charge-offs to loans | 0.3573% | 2,981 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.7583% | 3,680 |
| Efficiency ratio | 92.1730% | 1,265 |
| Assets per employee ($millions) | 2.6006% | 7,036 |
| Cash dividends to net income (ytd only)* | 58.0645% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 4,331 |
| Loan loss allowance to noncurrent loans | 48.7426% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 2.4112% | 3,016 |
| Noncurrent loans to loans | 2.9104% | 2,768 |
| Net loans and leases to total assets | 53.6876% | 6,068 |
| Net loans and leases to deposits | 65.7125% | 5,853 |
| Net loans and leases to core deposits | 73.2711% | 5,582 |
| Total domestic deposits to total assets | 81.7006% | 5,198 |
| Equity capital to assets | 10.9979% | 2,764 |
| Core capital (leverage) ratio | 10.2598% | 2,860 |
| Tier 1 risk-based capital ratio | 17.6354% | 2,043 |
| Total risk-based capital ratio | 18.8861% | 2,016 |
| Memoranda: | ||
| Average total assets | $424,146,500 | 1,643 |
| Average earning assets | $389,785,000 | 1,627 |
| Average equity | $46,760,000 | 1,443 |
| Average total loans | $236,233,500 | 1,952 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0982% | 6,093 |
| Cost of funding earning assets | 1.5905% | 5,071 |
| Net interest margin | 3.5077% | 4,921 |
| Noninterest income to average assets | 1.4290% | 717 |
| Noninterest expense to average assets | 4.2788% | 1,012 |
| Loan and lease loss provision to assets | 0.2171% | 5,622 |
| Net operating income to assets | 0.2011% | 4,900 |
| Return on assets (ROA) | 0.1962% | 4,980 |
| Pretax return on assets | 0.1651% | 5,079 |
| Return on Equity (ROE) | 1.8015% | 4,979 |
| Retained earnings to average equity (ytd only) | -0.5671% | 5,130 |
| Net charge-offs to loans | 0.5825% | 3,475 |
| Credit loss provision to net charge-offs | 62.4166% | 6,612 |
| Earnings coverage of net charge-offs (x) | 1.1128% | 5,000 |
| Efficiency ratio | 91.7040% | 1,590 |
| Assets per employee ($millions) | 2.4381% | 7,298 |
| Cash dividends to net income (ytd only)* | 131.4793% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 3,928 |
| Loan loss allowance to noncurrent loans | 47.1744% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 2.3651% | 2,937 |
| Noncurrent loans to loans | 3.0942% | 2,468 |
| Net loans and leases to total assets | 56.1149% | 5,933 |
| Net loans and leases to deposits | 68.2448% | 5,794 |
| Net loans and leases to core deposits | 90.0938% | 5,116 |
| Total domestic deposits to total assets | 82.2258% | 4,850 |
| Equity capital to assets | 11.0514% | 2,671 |
| Core capital (leverage) ratio | 10.1856% | 2,902 |
| Tier 1 risk-based capital ratio | 17.1149% | 2,125 |
| Total risk-based capital ratio | 18.3661% | 2,080 |
| Memoranda: | ||
| Average total assets | $430,655,200 | 1,608 |
| Average earning assets | $397,415,600 | 1,600 |
| Average equity | $46,905,600 | 1,436 |
| Average total loans | $257,151,200 | 1,851 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1946% | 5,899 |
| Cost of funding earning assets | 1.6522% | 5,153 |
| Net interest margin | 3.5424% | 4,694 |
| Noninterest income to average assets | 1.4588% | 700 |
| Noninterest expense to average assets | 4.2524% | 972 |
| Loan and lease loss provision to assets | 0.0108% | 7,226 |
| Net operating income to assets | 0.4118% | 4,355 |
| Return on assets (ROA) | 0.4164% | 4,431 |
| Pretax return on assets | 0.4731% | 4,605 |
| Return on Equity (ROE) | 3.8371% | 4,444 |
| Retained earnings to average equity (ytd only) | 2.5146% | 3,920 |
| Net charge-offs to loans | 0.2821% | 4,269 |
| Credit loss provision to net charge-offs | 6.3291% | 6,634 |
| Earnings coverage of net charge-offs (x) | 2.8101% | 3,814 |
| Efficiency ratio | 89.8828% | 1,698 |
| Assets per employee ($millions) | 2.4673% | 7,281 |
| Cash dividends to net income (ytd only)* | 34.4676% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 3,775 |
| Loan loss allowance to noncurrent loans | 66.7858% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.8522% | 3,582 |
| Noncurrent loans to loans | 2.1431% | 3,454 |
| Net loans and leases to total assets | 56.9631% | 6,035 |
| Net loans and leases to deposits | 69.4548% | 5,988 |
| Net loans and leases to core deposits | 91.8119% | 5,248 |
| Total domestic deposits to total assets | 82.0147% | 4,672 |
| Equity capital to assets | 11.1120% | 2,910 |
| Core capital (leverage) ratio | 10.4013% | 2,883 |
| Tier 1 risk-based capital ratio | 17.2279% | 2,206 |
| Total risk-based capital ratio | 18.4788% | 2,150 |
| Memoranda: | ||
| Average total assets | $432,871,000 | 1,613 |
| Average earning assets | $399,866,000 | 1,604 |
| Average equity | $46,978,500 | 1,458 |
| Average total loans | $261,390,500 | 1,844 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2609% | 5,825 |
| Cost of funding earning assets | 1.7350% | 5,088 |
| Net interest margin | 3.5259% | 4,674 |
| Noninterest income to average assets | 1.4219% | 742 |
| Noninterest expense to average assets | 4.2446% | 1,018 |
| Loan and lease loss provision to assets | 0.0161% | 7,067 |
| Net operating income to assets | 0.3790% | 4,588 |
| Return on assets (ROA) | 0.3861% | 4,666 |
| Pretax return on assets | 0.4258% | 4,857 |
| Return on Equity (ROE) | 3.5861% | 4,670 |
| Retained earnings to average equity (ytd only) | 2.2852% | 4,064 |
| Net charge-offs to loans | 0.4101% | 3,152 |
| Credit loss provision to net charge-offs | 6.4220% | 6,207 |
| Earnings coverage of net charge-offs (x) | 1.7284% | 4,259 |
| Efficiency ratio | 90.7229% | 1,750 |
| Assets per employee ($millions) | 2.4582% | 7,329 |
| Cash dividends to net income (ytd only)* | 36.2768% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 3,716 |
| Loan loss allowance to noncurrent loans | 67.4308% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.8276% | 3,440 |
| Noncurrent loans to loans | 2.0781% | 3,419 |
| Net loans and leases to total assets | 57.5541% | 6,029 |
| Net loans and leases to deposits | 69.9371% | 5,992 |
| Net loans and leases to core deposits | 90.7675% | 5,473 |
| Total domestic deposits to total assets | 82.2941% | 4,572 |
| Equity capital to assets | 10.8488% | 3,058 |
| Core capital (leverage) ratio | 10.2534% | 3,039 |
| Tier 1 risk-based capital ratio | 16.8487% | 2,345 |
| Total risk-based capital ratio | 18.0997% | 2,298 |
| Memoranda: | ||
| Average total assets | $434,055,330 | 1,627 |
| Average earning assets | $400,923,000 | 1,616 |
| Average equity | $46,736,000 | 1,475 |
| Average total loans | $265,819,330 | 1,854 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4080% | 5,382 |
| Cost of funding earning assets | 1.8077% | 5,078 |
| Net interest margin | 3.6004% | 4,313 |
| Noninterest income to average assets | 1.3618% | 768 |
| Noninterest expense to average assets | 4.0892% | 1,077 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5038% | 4,403 |
| Return on assets (ROA) | 0.5038% | 4,590 |
| Pretax return on assets | 0.5970% | 4,758 |
| Return on Equity (ROE) | 4.6966% | 4,613 |
| Retained earnings to average equity (ytd only) | 2.9074% | 4,249 |
| Net charge-offs to loans | 0.2826% | 2,983 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.3698% | 3,200 |
| Efficiency ratio | 87.2613% | 1,956 |
| Assets per employee ($millions) | 2.4315% | 7,407 |
| Cash dividends to net income (ytd only)* | 38.0952% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 2,995 |
| Loan loss allowance to noncurrent loans | 64.5844% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.9755% | 2,941 |
| Noncurrent loans to loans | 2.3214% | 2,831 |
| Net loans and leases to total assets | 58.5222% | 5,865 |
| Net loans and leases to deposits | 70.9522% | 5,874 |
| Net loans and leases to core deposits | 92.1347% | 5,335 |
| Total domestic deposits to total assets | 82.4812% | 4,381 |
| Equity capital to assets | 10.7607% | 3,225 |
| Core capital (leverage) ratio | 10.2041% | 3,195 |
| Tier 1 risk-based capital ratio | 16.1784% | 2,623 |
| Total risk-based capital ratio | 17.4301% | 2,566 |
| Memoranda: | ||
| Average total assets | $433,528,500 | 1,642 |
| Average earning assets | $400,293,000 | 1,632 |
| Average equity | $46,502,000 | 1,489 |
| Average total loans | $271,738,000 | 1,824 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9553% | 5,781 |
| Cost of funding earning assets | 2.3853% | 4,784 |
| Net interest margin | 3.5701% | 5,011 |
| Noninterest income to average assets | 1.4733% | 653 |
| Noninterest expense to average assets | 4.1514% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5269% | 4,624 |
| Return on assets (ROA) | 0.5261% | 4,485 |
| Pretax return on assets | 0.5832% | 4,748 |
| Return on Equity (ROE) | 5.0459% | 4,366 |
| Retained earnings to average equity (ytd only) | 3.0082% | 3,300 |
| Net charge-offs to loans | 0.0331% | 6,360 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 26.5208% | 1,283 |
| Efficiency ratio | 87.6653% | 1,704 |
| Assets per employee ($millions) | 2.3726% | 7,445 |
| Cash dividends to net income (ytd only)* | 40.3838% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 3,035 |
| Loan loss allowance to noncurrent loans | 92.8995% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.5722% | 3,095 |
| Noncurrent loans to loans | 1.5375% | 3,490 |
| Net loans and leases to total assets | 65.0317% | 5,057 |
| Net loans and leases to deposits | 78.9524% | 5,205 |
| Net loans and leases to core deposits | 106.1622% | 4,176 |
| Total domestic deposits to total assets | 82.3682% | 4,054 |
| Equity capital to assets | 10.6918% | 3,306 |
| Core capital (leverage) ratio | 10.1238% | 3,341 |
| Tier 1 risk-based capital ratio | 15.0190% | 3,037 |
| Total risk-based capital ratio | 16.2702% | 2,949 |
| Memoranda: | ||
| Average total assets | $435,878,000 | 1,568 |
| Average earning assets | $398,281,000 | 1,565 |
| Average equity | $45,443,000 | 1,491 |
| Average total loans | $289,966,400 | 1,668 |