Home > Embassy Bank for the Lehigh Valley > Performance and Condition Ratios
Embassy Bank for the Lehigh Valley, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 4,344 |
| Cost of funding earning assets | 1.1448% | 2,949 |
| Net interest margin | 2.4666% | 4,124 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.5501% | 4,295 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.7904% | 2,902 |
| Return on assets (ROA) | 0.7904% | 2,878 |
| Pretax return on assets | 0.9661% | 2,762 |
| Return on Equity (ROE) | 14.0100% | 1,483 |
| Retained earnings to average equity (ytd only) | 10.5413% | 895 |
| Net charge-offs to loans | -0.0002% | 3,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.8667% | 2,845 |
| Assets per employee ($millions) | 15.0610% | 210 |
| Cash dividends to net income (ytd only)* | 24.7413% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 3,352 |
| Loan loss allowance to noncurrent loans | 3,404.6448% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,576 |
| Noncurrent loans to loans | 0.0292% | 3,529 |
| Net loans and leases to total assets | 74.9400% | 1,251 |
| Net loans and leases to deposits | 84.0762% | 1,774 |
| Net loans and leases to core deposits | 91.6317% | 1,934 |
| Total domestic deposits to total assets | 89.1400% | 1,022 |
| Equity capital to assets | 6.3740% | 4,151 |
| Core capital (leverage) ratio | 8.9418% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4552% | 1,701 |
| Memoranda: | ||
| Average total assets | $1,663,000,600 | 660 |
| Average earning assets | $1,582,667,400 | 639 |
| Average equity | $93,840,400 | 998 |
| Average total loans | $1,234,799,200 | 617 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5699% | 4,333 |
| Cost of funding earning assets | 1.0216% | 2,975 |
| Net interest margin | 2.5483% | 4,087 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.5914% | 4,248 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.8174% | 2,974 |
| Return on assets (ROA) | 0.8174% | 2,961 |
| Pretax return on assets | 1.0000% | 2,865 |
| Return on Equity (ROE) | 14.9700% | 1,443 |
| Retained earnings to average equity (ytd only) | 10.4052% | 1,298 |
| Net charge-offs to loans | -0.0002% | 3,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.7728% | 2,750 |
| Assets per employee ($millions) | 15.6660% | 172 |
| Cash dividends to net income (ytd only)* | 30.4851% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 3,396 |
| Loan loss allowance to noncurrent loans | 3,373.7127% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 3,601 |
| Noncurrent loans to loans | 0.0295% | 3,562 |
| Net loans and leases to total assets | 73.8100% | 1,360 |
| Net loans and leases to deposits | 84.0126% | 1,740 |
| Net loans and leases to core deposits | 91.1601% | 1,848 |
| Total domestic deposits to total assets | 87.8600% | 1,622 |
| Equity capital to assets | 5.0978% | 4,232 |
| Core capital (leverage) ratio | 8.7158% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9916% | 1,900 |
| Memoranda: | ||
| Average total assets | $1,664,573,000 | 664 |
| Average earning assets | $1,583,227,250 | 642 |
| Average equity | $90,900,750 | 1,021 |
| Average total loans | $1,229,989,250 | 616 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5299% | 4,318 |
| Cost of funding earning assets | 0.8886% | 2,962 |
| Net interest margin | 2.6413% | 4,055 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.6208% | 4,242 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8493% | 2,926 |
| Return on assets (ROA) | 0.8493% | 2,935 |
| Pretax return on assets | 1.0389% | 2,801 |
| Return on Equity (ROE) | 15.2100% | 1,428 |
| Retained earnings to average equity (ytd only) | 8.8031% | 1,732 |
| Net charge-offs to loans | -0.0002% | 3,374 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.6380% | 2,878 |
| Assets per employee ($millions) | 16.1752% | 158 |
| Cash dividends to net income (ytd only)* | 42.1299% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,315 |
| Loan loss allowance to noncurrent loans | 4,249.3333% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 3,652 |
| Noncurrent loans to loans | 0.0241% | 3,588 |
| Net loans and leases to total assets | 73.1600% | 1,390 |
| Net loans and leases to deposits | 81.5839% | 1,861 |
| Net loans and leases to core deposits | 88.1888% | 1,912 |
| Total domestic deposits to total assets | 89.6700% | 1,024 |
| Equity capital to assets | 5.6386% | 4,253 |
| Core capital (leverage) ratio | 8.5180% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9291% | 1,929 |
| Memoranda: | ||
| Average total assets | $1,660,675,667 | 650 |
| Average earning assets | $1,579,555,000 | 631 |
| Average equity | $92,717,000 | 997 |
| Average total loans | $1,223,398,000 | 607 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5002% | 4,265 |
| Cost of funding earning assets | 0.7323% | 2,954 |
| Net interest margin | 2.7678% | 3,989 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.6336% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9433% | 2,709 |
| Return on assets (ROA) | 0.9433% | 2,666 |
| Pretax return on assets | 1.1567% | 2,545 |
| Return on Equity (ROE) | 16.9800% | 1,176 |
| Retained earnings to average equity (ytd only) | 16.8295% | 608 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.5455% | 3,126 |
| Assets per employee ($millions) | 15.0840% | 202 |
| Cash dividends to net income (ytd only)* | 0.8995% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,350 |
| Loan loss allowance to noncurrent loans | 6,905.4645% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 3,750 |
| Noncurrent loans to loans | 0.0150% | 3,697 |
| Net loans and leases to total assets | 72.6400% | 1,358 |
| Net loans and leases to deposits | 78.6466% | 1,916 |
| Net loans and leases to core deposits | 84.4626% | 1,958 |
| Total domestic deposits to total assets | 92.3600% | 431 |
| Equity capital to assets | 5.7393% | 4,278 |
| Core capital (leverage) ratio | 8.5169% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3002% | 1,864 |
| Memoranda: | ||
| Average total assets | $1,649,901,000 | 666 |
| Average earning assets | $1,568,152,500 | 646 |
| Average equity | $91,648,500 | 1,017 |
| Average total loans | $1,213,373,000 | 616 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2243% | 3,772 |
| Cost of funding earning assets | 0.2625% | 3,225 |
| Net interest margin | 2.9618% | 3,541 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.5381% | 4,384 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1087% | 2,135 |
| Return on assets (ROA) | 1.1087% | 2,070 |
| Pretax return on assets | 1.3777% | 1,830 |
| Return on Equity (ROE) | 19.0800% | 567 |
| Retained earnings to average equity (ytd only) | 16.0694% | 221 |
| Net charge-offs to loans | -0.0061% | 3,670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.7789% | 3,998 |
| Assets per employee ($millions) | 15.0510% | 202 |
| Cash dividends to net income (ytd only)* | 15.7906% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 3,206 |
| Loan loss allowance to noncurrent loans | 6,483.8542% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 3,771 |
| Noncurrent loans to loans | 0.0159% | 3,727 |
| Net loans and leases to total assets | 72.9300% | 1,319 |
| Net loans and leases to deposits | 78.6259% | 1,884 |
| Net loans and leases to core deposits | 82.7402% | 1,950 |
| Total domestic deposits to total assets | 92.7500% | 459 |
| Equity capital to assets | 5.3682% | 4,275 |
| Core capital (leverage) ratio | 8.3120% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0785% | 1,948 |
| Memoranda: | ||
| Average total assets | $1,637,005,800 | 664 |
| Average earning assets | $1,562,644,200 | 633 |
| Average equity | $95,112,200 | 976 |
| Average total loans | $1,152,513,400 | 601 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1366% | 3,589 |
| Cost of funding earning assets | 0.2298% | 2,930 |
| Net interest margin | 2.9068% | 3,484 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.5430% | 4,372 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0642% | 2,235 |
| Return on assets (ROA) | 1.0642% | 2,194 |
| Pretax return on assets | 1.3210% | 1,977 |
| Return on Equity (ROE) | 17.9700% | 644 |
| Retained earnings to average equity (ytd only) | 14.2217% | 438 |
| Net charge-offs to loans | -0.0081% | 3,625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.9341% | 3,923 |
| Assets per employee ($millions) | 15.2480% | 193 |
| Cash dividends to net income (ytd only)* | 20.8745% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 3,349 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 72.3900% | 1,245 |
| Net loans and leases to deposits | 77.6181% | 1,751 |
| Net loans and leases to core deposits | 79.9489% | 1,908 |
| Total domestic deposits to total assets | 93.2700% | 508 |
| Equity capital to assets | 4.6907% | 4,353 |
| Core capital (leverage) ratio | 7.9980% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8541% | 2,111 |
| Memoranda: | ||
| Average total assets | $1,636,116,500 | 663 |
| Average earning assets | $1,563,602,750 | 636 |
| Average equity | $96,873,250 | 973 |
| Average total loans | $1,138,417,000 | 599 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0251% | 3,493 |
| Cost of funding earning assets | 0.2269% | 2,553 |
| Net interest margin | 2.7982% | 3,452 |
| Noninterest income to average assets | 0.1334% | 4,340 |
| Noninterest expense to average assets | 1.5329% | 4,378 |
| Loan and lease loss provision to assets | 0.0426% | 1,806 |
| Net operating income to assets | 0.9971% | 2,164 |
| Return on assets (ROA) | 0.9971% | 2,138 |
| Pretax return on assets | 1.2362% | 1,944 |
| Return on Equity (ROE) | 15.7663% | 741 |
| Retained earnings to average equity (ytd only) | 10.7188% | 842 |
| Net charge-offs to loans | -0.0004% | 2,974 |
| Credit loss provision to net charge-offs | -17,500.0000% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5183% | 3,916 |
| Assets per employee ($millions) | 15.5950% | 178 |
| Cash dividends to net income (ytd only)* | 32.0147% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 3,465 |
| Loan loss allowance to noncurrent loans | 107,600.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,077 |
| Noncurrent loans to loans | 0.0010% | 4,007 |
| Net loans and leases to total assets | 68.7535% | 1,414 |
| Net loans and leases to deposits | 74.0084% | 1,869 |
| Net loans and leases to core deposits | 76.1213% | 2,005 |
| Total domestic deposits to total assets | 92.8996% | 540 |
| Equity capital to assets | 5.2445% | 4,426 |
| Core capital (leverage) ratio | 7.7068% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8008% | 2,156 |
| Memoranda: | ||
| Average total assets | $1,642,725,333 | 657 |
| Average earning assets | $1,572,371,333 | 632 |
| Average equity | $103,892,333 | 943 |
| Average total loans | $1,123,795,000 | 599 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9508% | 3,396 |
| Cost of funding earning assets | 0.2284% | 2,421 |
| Net interest margin | 2.7224% | 3,360 |
| Noninterest income to average assets | 0.1881% | 4,031 |
| Noninterest expense to average assets | 1.5120% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0506% | 1,689 |
| Return on assets (ROA) | 1.0506% | 1,682 |
| Pretax return on assets | 1.2878% | 1,545 |
| Return on Equity (ROE) | 15.2937% | 616 |
| Retained earnings to average equity (ytd only) | 15.2937% | 270 |
| Net charge-offs to loans | -0.0004% | 2,971 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0045% | 4,050 |
| Assets per employee ($millions) | 16.0930% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 3,568 |
| Loan loss allowance to noncurrent loans | 5,015.2838% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,922 |
| Noncurrent loans to loans | 0.0207% | 3,848 |
| Net loans and leases to total assets | 66.7024% | 1,341 |
| Net loans and leases to deposits | 72.6550% | 1,731 |
| Net loans and leases to core deposits | 75.4379% | 1,811 |
| Total domestic deposits to total assets | 91.8070% | 655 |
| Equity capital to assets | 6.2539% | 4,516 |
| Core capital (leverage) ratio | 7.8131% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2191% | 2,111 |
| Memoranda: | ||
| Average total assets | $1,637,550,500 | 661 |
| Average earning assets | $1,570,977,500 | 635 |
| Average equity | $112,491,000 | 912 |
| Average total loans | $1,111,501,000 | 597 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2495% | 3,346 |
| Cost of funding earning assets | 0.2744% | 2,660 |
| Net interest margin | 2.9750% | 3,261 |
| Noninterest income to average assets | 0.1558% | 4,374 |
| Noninterest expense to average assets | 1.5505% | 4,484 |
| Loan and lease loss provision to assets | 0.0600% | 1,856 |
| Net operating income to assets | 1.1247% | 2,191 |
| Return on assets (ROA) | 1.1260% | 2,245 |
| Pretax return on assets | 1.3989% | 2,057 |
| Return on Equity (ROE) | 14.7230% | 1,015 |
| Retained earnings to average equity (ytd only) | 12.1755% | 521 |
| Net charge-offs to loans | 0.0001% | 2,702 |
| Credit loss provision to net charge-offs | 91,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 22,225.0000% | 3 |
| Efficiency ratio | 51.5479% | 4,151 |
| Assets per employee ($millions) | 15.4115% | 194 |
| Cash dividends to net income (ytd only)* | 17.3024% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 3,634 |
| Loan loss allowance to noncurrent loans | 4,745.4545% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 3,988 |
| Noncurrent loans to loans | 0.0217% | 3,913 |
| Net loans and leases to total assets | 67.6488% | 1,311 |
| Net loans and leases to deposits | 75.3045% | 1,617 |
| Net loans and leases to core deposits | 78.1807% | 1,743 |
| Total domestic deposits to total assets | 89.8337% | 1,043 |
| Equity capital to assets | 7.4880% | 4,594 |
| Core capital (leverage) ratio | 7.7090% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0182% | 2,245 |
| Memoranda: | ||
| Average total assets | $1,525,007,800 | 673 |
| Average earning assets | $1,461,959,800 | 655 |
| Average equity | $116,627,400 | 893 |
| Average total loans | $1,138,263,400 | 584 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3093% | 3,370 |
| Cost of funding earning assets | 0.2878% | 2,710 |
| Net interest margin | 3.0215% | 3,256 |
| Noninterest income to average assets | 0.1458% | 4,468 |
| Noninterest expense to average assets | 1.5505% | 4,534 |
| Loan and lease loss provision to assets | 0.0659% | 1,676 |
| Net operating income to assets | 1.1449% | 2,390 |
| Return on assets (ROA) | 1.1466% | 2,440 |
| Pretax return on assets | 1.4257% | 2,230 |
| Return on Equity (ROE) | 14.9102% | 1,159 |
| Retained earnings to average equity (ytd only) | 11.6337% | 914 |
| Net charge-offs to loans | 0.0002% | 2,457 |
| Credit loss provision to net charge-offs | 37,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 8,367.5000% | 12 |
| Efficiency ratio | 51.0057% | 4,122 |
| Assets per employee ($millions) | 15.6746% | 185 |
| Cash dividends to net income (ytd only)* | 21.9747% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,859 |
| Loan loss allowance to noncurrent loans | 1,425.9773% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 3,805 |
| Noncurrent loans to loans | 0.0699% | 3,745 |
| Net loans and leases to total assets | 71.6582% | 902 |
| Net loans and leases to deposits | 80.1696% | 1,279 |
| Net loans and leases to core deposits | 83.7420% | 1,443 |
| Total domestic deposits to total assets | 89.3833% | 1,080 |
| Equity capital to assets | 7.6043% | 4,678 |
| Core capital (leverage) ratio | 7.7034% | 4,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4717% | 2,558 |
| Memoranda: | ||
| Average total assets | $1,498,118,000 | 694 |
| Average earning assets | $1,434,991,000 | 674 |
| Average equity | $115,202,750 | 915 |
| Average total loans | $1,143,677,500 | 592 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3056% | 3,408 |
| Cost of funding earning assets | 0.3057% | 2,729 |
| Net interest margin | 2.9999% | 3,326 |
| Noninterest income to average assets | 0.1532% | 4,432 |
| Noninterest expense to average assets | 1.5449% | 4,581 |
| Loan and lease loss provision to assets | 0.0800% | 1,516 |
| Net operating income to assets | 1.1287% | 2,439 |
| Return on assets (ROA) | 1.1314% | 2,496 |
| Pretax return on assets | 1.4051% | 2,325 |
| Return on Equity (ROE) | 14.6550% | 1,244 |
| Retained earnings to average equity (ytd only) | 9.8672% | 1,438 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0415% | 4,141 |
| Assets per employee ($millions) | 15.6262% | 181 |
| Cash dividends to net income (ytd only)* | 32.6702% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 3,926 |
| Loan loss allowance to noncurrent loans | 1,328.5714% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 3,864 |
| Noncurrent loans to loans | 0.0731% | 3,820 |
| Net loans and leases to total assets | 75.0978% | 668 |
| Net loans and leases to deposits | 84.2606% | 1,045 |
| Net loans and leases to core deposits | 88.8569% | 1,216 |
| Total domestic deposits to total assets | 89.1257% | 1,216 |
| Equity capital to assets | 7.6392% | 4,694 |
| Core capital (leverage) ratio | 7.6935% | 4,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1726% | 2,656 |
| Memoranda: | ||
| Average total assets | $1,475,005,667 | 700 |
| Average earning assets | $1,412,934,333 | 677 |
| Average equity | $113,872,333 | 912 |
| Average total loans | $1,146,730,667 | 593 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3840% | 3,249 |
| Cost of funding earning assets | 0.3266% | 2,737 |
| Net interest margin | 3.0573% | 3,113 |
| Noninterest income to average assets | 0.1397% | 4,508 |
| Noninterest expense to average assets | 1.5339% | 4,615 |
| Loan and lease loss provision to assets | 0.1279% | 1,076 |
| Net operating income to assets | 1.1301% | 2,387 |
| Return on assets (ROA) | 1.1354% | 2,446 |
| Pretax return on assets | 1.4137% | 2,246 |
| Return on Equity (ROE) | 14.6271% | 1,292 |
| Retained earnings to average equity (ytd only) | 13.7592% | 785 |
| Net charge-offs to loans | 0.0003% | 1,925 |
| Credit loss provision to net charge-offs | 46,500.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 5,582.0000% | 5 |
| Efficiency ratio | 49.9821% | 4,184 |
| Assets per employee ($millions) | 15.2806% | 193 |
| Cash dividends to net income (ytd only)* | 5.9336% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 3,987 |
| Loan loss allowance to noncurrent loans | 1,596.8162% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 4,036 |
| Noncurrent loans to loans | 0.0603% | 3,986 |
| Net loans and leases to total assets | 77.4042% | 505 |
| Net loans and leases to deposits | 86.9255% | 890 |
| Net loans and leases to core deposits | 92.2966% | 1,100 |
| Total domestic deposits to total assets | 89.0467% | 1,326 |
| Equity capital to assets | 7.7629% | 4,610 |
| Core capital (leverage) ratio | 7.9882% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2626% | 2,575 |
| Memoranda: | ||
| Average total assets | $1,454,639,500 | 703 |
| Average earning assets | $1,393,627,000 | 675 |
| Average equity | $112,913,500 | 911 |
| Average total loans | $1,145,373,000 | 595 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5314% | 3,964 |
| Cost of funding earning assets | 0.5109% | 2,880 |
| Net interest margin | 3.0205% | 3,844 |
| Noninterest income to average assets | 0.1769% | 4,402 |
| Noninterest expense to average assets | 1.6541% | 4,661 |
| Loan and lease loss provision to assets | 0.1924% | 2,030 |
| Net operating income to assets | 0.9977% | 2,299 |
| Return on assets (ROA) | 1.0056% | 2,415 |
| Pretax return on assets | 1.2355% | 2,205 |
| Return on Equity (ROE) | 12.4864% | 1,178 |
| Retained earnings to average equity (ytd only) | 10.0335% | 581 |
| Net charge-offs to loans | -0.0026% | 4,017 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8389% | 4,230 |
| Assets per employee ($millions) | 15.0244% | 178 |
| Cash dividends to net income (ytd only)* | 19.6446% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 4,115 |
| Loan loss allowance to noncurrent loans | 3,857.6642% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 4,301 |
| Noncurrent loans to loans | 0.0239% | 4,232 |
| Net loans and leases to total assets | 78.5993% | 540 |
| Net loans and leases to deposits | 91.9535% | 780 |
| Net loans and leases to core deposits | 98.5499% | 982 |
| Total domestic deposits to total assets | 85.4772% | 2,583 |
| Equity capital to assets | 7.7617% | 4,784 |
| Core capital (leverage) ratio | 8.1169% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0836% | 2,598 |
| Memoranda: | ||
| Average total assets | $1,309,554,400 | 699 |
| Average earning assets | $1,255,285,800 | 673 |
| Average equity | $105,466,400 | 926 |
| Average total loans | $1,084,113,600 | 593 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5891% | 4,038 |
| Cost of funding earning assets | 0.5607% | 2,862 |
| Net interest margin | 3.0283% | 3,908 |
| Noninterest income to average assets | 0.1610% | 4,494 |
| Noninterest expense to average assets | 1.6866% | 4,636 |
| Loan and lease loss provision to assets | 0.1745% | 2,239 |
| Net operating income to assets | 0.9779% | 2,419 |
| Return on assets (ROA) | 0.9887% | 2,514 |
| Pretax return on assets | 1.2165% | 2,339 |
| Return on Equity (ROE) | 12.1524% | 1,328 |
| Retained earnings to average equity (ytd only) | 8.9207% | 1,002 |
| Net charge-offs to loans | -0.0032% | 3,962 |
| Credit loss provision to net charge-offs | -6,423.0769% | 4,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0438% | 4,033 |
| Assets per employee ($millions) | 14.2204% | 195 |
| Cash dividends to net income (ytd only)* | 26.5927% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8633% | 4,184 |
| Loan loss allowance to noncurrent loans | 2,752.9745% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 4,332 |
| Noncurrent loans to loans | 0.0314% | 4,270 |
| Net loans and leases to total assets | 81.7421% | 453 |
| Net loans and leases to deposits | 97.0570% | 685 |
| Net loans and leases to core deposits | 104.4846% | 902 |
| Total domestic deposits to total assets | 84.2207% | 2,748 |
| Equity capital to assets | 7.9302% | 4,739 |
| Core capital (leverage) ratio | 8.1440% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9754% | 2,621 |
| Memoranda: | ||
| Average total assets | $1,276,357,000 | 700 |
| Average earning assets | $1,223,609,500 | 674 |
| Average equity | $103,845,500 | 928 |
| Average total loans | $1,069,081,500 | 590 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6397% | 4,193 |
| Cost of funding earning assets | 0.6213% | 2,856 |
| Net interest margin | 3.0184% | 4,081 |
| Noninterest income to average assets | 0.1506% | 4,549 |
| Noninterest expense to average assets | 1.7331% | 4,651 |
| Loan and lease loss provision to assets | 0.1556% | 2,442 |
| Net operating income to assets | 0.9386% | 2,547 |
| Return on assets (ROA) | 0.9553% | 2,603 |
| Pretax return on assets | 1.1755% | 2,445 |
| Return on Equity (ROE) | 11.6338% | 1,442 |
| Retained earnings to average equity (ytd only) | 6.9217% | 1,695 |
| Net charge-offs to loans | -0.0048% | 4,005 |
| Credit loss provision to net charge-offs | -3,880.0000% | 4,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9411% | 3,829 |
| Assets per employee ($millions) | 14.1125% | 196 |
| Cash dividends to net income (ytd only)* | 40.5038% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 4,303 |
| Loan loss allowance to noncurrent loans | 3,726.0331% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 4,466 |
| Noncurrent loans to loans | 0.0219% | 4,399 |
| Net loans and leases to total assets | 79.9531% | 599 |
| Net loans and leases to deposits | 94.5391% | 909 |
| Net loans and leases to core deposits | 101.6901% | 1,135 |
| Total domestic deposits to total assets | 84.5716% | 2,539 |
| Equity capital to assets | 7.6580% | 4,841 |
| Core capital (leverage) ratio | 8.0764% | 4,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1510% | 2,547 |
| Memoranda: | ||
| Average total assets | $1,246,758,000 | 701 |
| Average earning assets | $1,195,003,667 | 667 |
| Average equity | $102,374,333 | 930 |
| Average total loans | $1,050,234,333 | 591 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8210% | 4,188 |
| Cost of funding earning assets | 0.7265% | 2,800 |
| Net interest margin | 3.0945% | 4,109 |
| Noninterest income to average assets | 0.1012% | 4,822 |
| Noninterest expense to average assets | 1.8970% | 4,549 |
| Loan and lease loss provision to assets | 0.1080% | 2,327 |
| Net operating income to assets | 0.8582% | 2,667 |
| Return on assets (ROA) | 0.8582% | 2,771 |
| Pretax return on assets | 1.0620% | 2,630 |
| Return on Equity (ROE) | 10.0607% | 1,727 |
| Retained earnings to average equity (ytd only) | 6.6043% | 1,680 |
| Net charge-offs to loans | -0.0094% | 4,056 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8524% | 3,515 |
| Assets per employee ($millions) | 12.1933% | 229 |
| Cash dividends to net income (ytd only)* | 34.3553% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8098% | 4,390 |
| Loan loss allowance to noncurrent loans | 49,211.7647% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,646 |
| Noncurrent loans to loans | 0.0016% | 4,580 |
| Net loans and leases to total assets | 85.7527% | 157 |
| Net loans and leases to deposits | 97.7347% | 751 |
| Net loans and leases to core deposits | 106.2973% | 1,042 |
| Total domestic deposits to total assets | 87.7402% | 1,214 |
| Equity capital to assets | 8.5964% | 4,794 |
| Core capital (leverage) ratio | 8.5013% | 4,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9641% | 2,719 |
| Memoranda: | ||
| Average total assets | $1,185,680,500 | 701 |
| Average earning assets | $1,136,341,000 | 667 |
| Average equity | $101,146,000 | 934 |
| Average total loans | $1,023,598,500 | 586 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 4,358 |
| Cost of funding earning assets | 0.8586% | 2,389 |
| Net interest margin | 3.0861% | 4,389 |
| Noninterest income to average assets | 0.1933% | 4,504 |
| Noninterest expense to average assets | 1.8715% | 4,690 |
| Loan and lease loss provision to assets | 0.0531% | 2,971 |
| Net operating income to assets | 0.9861% | 2,891 |
| Return on assets (ROA) | 0.9861% | 2,975 |
| Pretax return on assets | 1.2124% | 2,795 |
| Return on Equity (ROE) | 11.9993% | 1,514 |
| Retained earnings to average equity (ytd only) | 10.3104% | 438 |
| Net charge-offs to loans | -0.0005% | 4,148 |
| Credit loss provision to net charge-offs | -12,100.0000% | 4,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6586% | 3,744 |
| Assets per employee ($millions) | 12.3834% | 195 |
| Cash dividends to net income (ytd only)* | 14.0746% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7910% | 4,332 |
| Loan loss allowance to noncurrent loans | 44,566.6667% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,686 |
| Noncurrent loans to loans | 0.0018% | 4,603 |
| Net loans and leases to total assets | 85.5235% | 201 |
| Net loans and leases to deposits | 97.4615% | 801 |
| Net loans and leases to core deposits | 106.3206% | 1,090 |
| Total domestic deposits to total assets | 87.7510% | 1,250 |
| Equity capital to assets | 8.4638% | 4,923 |
| Core capital (leverage) ratio | 8.4184% | 4,885 |
| Tier 1 risk-based capital ratio | 11.9821% | 4,375 |
| Total risk-based capital ratio | 12.9607% | 4,402 |
| Memoranda: | ||
| Average total assets | $1,139,155,000 | 692 |
| Average earning assets | $1,086,596,600 | 670 |
| Average equity | $93,613,800 | 945 |
| Average total loans | $980,095,400 | 587 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 4,437 |
| Cost of funding earning assets | 0.8640% | 2,390 |
| Net interest margin | 3.0970% | 4,481 |
| Noninterest income to average assets | 0.1889% | 4,581 |
| Noninterest expense to average assets | 1.8943% | 4,706 |
| Loan and lease loss provision to assets | 0.0407% | 3,091 |
| Net operating income to assets | 0.9771% | 3,062 |
| Return on assets (ROA) | 0.9771% | 3,137 |
| Pretax return on assets | 1.2019% | 2,976 |
| Return on Equity (ROE) | 11.9834% | 1,624 |
| Retained earnings to average equity (ytd only) | 9.6939% | 830 |
| Net charge-offs to loans | -0.0007% | 3,984 |
| Credit loss provision to net charge-offs | -6,900.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3867% | 3,565 |
| Assets per employee ($millions) | 12.6279% | 184 |
| Cash dividends to net income (ytd only)* | 19.1063% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 4,449 |
| Loan loss allowance to noncurrent loans | 40,852.6316% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,770 |
| Noncurrent loans to loans | 0.0019% | 4,688 |
| Net loans and leases to total assets | 84.2674% | 323 |
| Net loans and leases to deposits | 94.5595% | 1,165 |
| Net loans and leases to core deposits | 103.6420% | 1,356 |
| Total domestic deposits to total assets | 89.1157% | 574 |
| Equity capital to assets | 8.3085% | 5,064 |
| Core capital (leverage) ratio | 8.2883% | 5,038 |
| Tier 1 risk-based capital ratio | 11.6711% | 4,581 |
| Total risk-based capital ratio | 12.6226% | 4,629 |
| Memoranda: | ||
| Average total assets | $1,129,838,250 | 701 |
| Average earning assets | $1,075,469,000 | 677 |
| Average equity | $92,124,750 | 959 |
| Average total loans | $971,584,500 | 590 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 4,478 |
| Cost of funding earning assets | 0.8493% | 2,402 |
| Net interest margin | 3.1037% | 4,526 |
| Noninterest income to average assets | 0.1946% | 4,591 |
| Noninterest expense to average assets | 1.9380% | 4,700 |
| Loan and lease loss provision to assets | 0.0402% | 3,009 |
| Net operating income to assets | 0.9587% | 3,067 |
| Return on assets (ROA) | 0.9587% | 3,142 |
| Pretax return on assets | 1.1748% | 3,002 |
| Return on Equity (ROE) | 11.8357% | 1,647 |
| Retained earnings to average equity (ytd only) | 8.6545% | 1,143 |
| Net charge-offs to loans | -0.0008% | 3,888 |
| Credit loss provision to net charge-offs | -5,625.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4657% | 3,511 |
| Assets per employee ($millions) | 12.2011% | 195 |
| Cash dividends to net income (ytd only)* | 26.8779% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7843% | 4,496 |
| Loan loss allowance to noncurrent loans | 3,131.5574% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 4,674 |
| Noncurrent loans to loans | 0.0250% | 4,598 |
| Net loans and leases to total assets | 85.1884% | 272 |
| Net loans and leases to deposits | 95.4223% | 1,103 |
| Net loans and leases to core deposits | 104.0981% | 1,381 |
| Total domestic deposits to total assets | 89.2751% | 554 |
| Equity capital to assets | 8.2428% | 5,130 |
| Core capital (leverage) ratio | 8.1985% | 5,112 |
| Tier 1 risk-based capital ratio | 11.6514% | 4,609 |
| Total risk-based capital ratio | 12.6152% | 4,651 |
| Memoranda: | ||
| Average total assets | $1,119,195,000 | 705 |
| Average earning assets | $1,066,780,670 | 680 |
| Average equity | $90,657,670 | 967 |
| Average total loans | $966,528,000 | 597 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 4,525 |
| Cost of funding earning assets | 0.8185% | 2,433 |
| Net interest margin | 3.0981% | 4,600 |
| Noninterest income to average assets | 0.2080% | 4,504 |
| Noninterest expense to average assets | 1.9632% | 4,710 |
| Loan and lease loss provision to assets | 0.0468% | 2,713 |
| Net operating income to assets | 0.9472% | 3,059 |
| Return on assets (ROA) | 0.9472% | 3,102 |
| Pretax return on assets | 1.1542% | 2,964 |
| Return on Equity (ROE) | 11.7999% | 1,612 |
| Retained earnings to average equity (ytd only) | 11.7999% | 651 |
| Net charge-offs to loans | -0.0017% | 3,838 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0450% | 3,530 |
| Assets per employee ($millions) | 12.2090% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 4,580 |
| Loan loss allowance to noncurrent loans | 2,924.8062% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 4,737 |
| Noncurrent loans to loans | 0.0267% | 4,664 |
| Net loans and leases to total assets | 85.5042% | 234 |
| Net loans and leases to deposits | 95.9047% | 975 |
| Net loans and leases to core deposits | 104.2308% | 1,303 |
| Total domestic deposits to total assets | 89.1554% | 789 |
| Equity capital to assets | 8.1345% | 5,144 |
| Core capital (leverage) ratio | 8.1720% | 5,149 |
| Tier 1 risk-based capital ratio | 11.4690% | 4,760 |
| Total risk-based capital ratio | 12.4199% | 4,809 |
| Memoranda: | ||
| Average total assets | $1,111,441,500 | 713 |
| Average earning assets | $1,060,522,500 | 686 |
| Average equity | $89,221,000 | 971 |
| Average total loans | $962,654,500 | 599 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8252% | 4,433 |
| Cost of funding earning assets | 0.6067% | 2,670 |
| Net interest margin | 3.2184% | 4,449 |
| Noninterest income to average assets | 0.1774% | 4,841 |
| Noninterest expense to average assets | 1.9591% | 4,810 |
| Loan and lease loss provision to assets | 0.1026% | 2,142 |
| Net operating income to assets | 0.9854% | 3,078 |
| Return on assets (ROA) | 0.9854% | 3,076 |
| Pretax return on assets | 1.2091% | 2,847 |
| Return on Equity (ROE) | 12.5307% | 1,530 |
| Retained earnings to average equity (ytd only) | 10.1454% | 597 |
| Net charge-offs to loans | 0.0776% | 2,015 |
| Credit loss provision to net charge-offs | 152.5424% | 1,802 |
| Earnings coverage of net charge-offs (x) | 19.4972% | 2,058 |
| Efficiency ratio | 59.8966% | 3,875 |
| Assets per employee ($millions) | 12.0841% | 193 |
| Cash dividends to net income (ytd only)* | 19.0357% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7742% | 4,616 |
| Loan loss allowance to noncurrent loans | 2,755.3903% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 4,659 |
| Noncurrent loans to loans | 0.0281% | 4,642 |
| Net loans and leases to total assets | 86.3856% | 216 |
| Net loans and leases to deposits | 101.9412% | 597 |
| Net loans and leases to core deposits | 109.4068% | 1,037 |
| Total domestic deposits to total assets | 84.7407% | 2,754 |
| Equity capital to assets | 7.9182% | 5,194 |
| Core capital (leverage) ratio | 8.1286% | 5,195 |
| Tier 1 risk-based capital ratio | 11.2580% | 4,833 |
| Total risk-based capital ratio | 12.2028% | 4,887 |
| Memoranda: | ||
| Average total assets | $1,052,359,200 | 732 |
| Average earning assets | $1,011,488,400 | 696 |
| Average equity | $82,756,600 | 998 |
| Average total loans | $911,975,000 | 608 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7851% | 4,471 |
| Cost of funding earning assets | 0.5622% | 2,769 |
| Net interest margin | 3.2229% | 4,471 |
| Noninterest income to average assets | 0.1577% | 4,990 |
| Noninterest expense to average assets | 1.9655% | 4,801 |
| Loan and lease loss provision to assets | 0.0692% | 2,587 |
| Net operating income to assets | 0.9986% | 3,089 |
| Return on assets (ROA) | 0.9986% | 3,103 |
| Pretax return on assets | 1.2229% | 2,902 |
| Return on Equity (ROE) | 12.7213% | 1,531 |
| Retained earnings to average equity (ytd only) | 10.4963% | 765 |
| Net charge-offs to loans | 0.0070% | 3,176 |
| Credit loss provision to net charge-offs | 1,148.9362% | 361 |
| Earnings coverage of net charge-offs (x) | 214.5365% | 420 |
| Efficiency ratio | 60.3351% | 3,766 |
| Assets per employee ($millions) | 12.1016% | 191 |
| Cash dividends to net income (ytd only)* | 17.4901% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8085% | 4,586 |
| Loan loss allowance to noncurrent loans | 1,992.8571% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 4,568 |
| Noncurrent loans to loans | 0.0406% | 4,716 |
| Net loans and leases to total assets | 85.8056% | 280 |
| Net loans and leases to deposits | 100.8373% | 715 |
| Net loans and leases to core deposits | 108.3470% | 1,146 |
| Total domestic deposits to total assets | 85.0930% | 2,572 |
| Equity capital to assets | 7.8100% | 5,234 |
| Core capital (leverage) ratio | 8.0776% | 5,300 |
| Tier 1 risk-based capital ratio | 11.4645% | 4,810 |
| Total risk-based capital ratio | 12.4653% | 4,841 |
| Memoranda: | ||
| Average total assets | $1,040,535,250 | 738 |
| Average earning assets | $1,000,819,250 | 706 |
| Average equity | $81,677,500 | 1,008 |
| Average total loans | $900,629,750 | 609 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 4,532 |
| Cost of funding earning assets | 0.5116% | 2,917 |
| Net interest margin | 3.2102% | 4,474 |
| Noninterest income to average assets | 0.1550% | 5,048 |
| Noninterest expense to average assets | 1.9549% | 4,872 |
| Loan and lease loss provision to assets | 0.0934% | 2,054 |
| Net operating income to assets | 0.9806% | 3,103 |
| Return on assets (ROA) | 0.9806% | 3,110 |
| Pretax return on assets | 1.2015% | 2,943 |
| Return on Equity (ROE) | 12.4703% | 1,555 |
| Retained earnings to average equity (ytd only) | 9.2723% | 1,137 |
| Net charge-offs to loans | 0.0106% | 2,769 |
| Credit loss provision to net charge-offs | 1,021.2766% | 395 |
| Earnings coverage of net charge-offs (x) | 141.6596% | 541 |
| Efficiency ratio | 60.1556% | 3,914 |
| Assets per employee ($millions) | 12.2530% | 181 |
| Cash dividends to net income (ytd only)* | 25.6446% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8077% | 4,666 |
| Loan loss allowance to noncurrent loans | 578.8536% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 4,245 |
| Noncurrent loans to loans | 0.1395% | 4,275 |
| Net loans and leases to total assets | 86.0942% | 258 |
| Net loans and leases to deposits | 98.5783% | 922 |
| Net loans and leases to core deposits | 105.5677% | 1,269 |
| Total domestic deposits to total assets | 87.3358% | 1,708 |
| Equity capital to assets | 7.6917% | 5,323 |
| Core capital (leverage) ratio | 7.9956% | 5,347 |
| Tier 1 risk-based capital ratio | 11.1593% | 4,964 |
| Total risk-based capital ratio | 12.1574% | 4,993 |
| Memoranda: | ||
| Average total assets | $1,028,366,670 | 747 |
| Average earning assets | $991,401,000 | 712 |
| Average equity | $80,864,330 | 1,016 |
| Average total loans | $890,275,000 | 616 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 4,538 |
| Cost of funding earning assets | 0.4606% | 3,124 |
| Net interest margin | 3.2103% | 4,428 |
| Noninterest income to average assets | 0.1565% | 5,077 |
| Noninterest expense to average assets | 1.9878% | 4,874 |
| Loan and lease loss provision to assets | 0.0852% | 2,099 |
| Net operating income to assets | 0.9632% | 3,017 |
| Return on assets (ROA) | 0.9632% | 3,037 |
| Pretax return on assets | 1.1791% | 2,845 |
| Return on Equity (ROE) | 12.1097% | 1,544 |
| Retained earnings to average equity (ytd only) | 12.1097% | 667 |
| Net charge-offs to loans | -0.0050% | 4,015 |
| Credit loss provision to net charge-offs | -1,954.5455% | 4,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1233% | 3,930 |
| Assets per employee ($millions) | 12.0204% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 4,735 |
| Loan loss allowance to noncurrent loans | 1,079.6434% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 4,542 |
| Noncurrent loans to loans | 0.0759% | 4,645 |
| Net loans and leases to total assets | 86.0850% | 252 |
| Net loans and leases to deposits | 96.2185% | 1,013 |
| Net loans and leases to core deposits | 102.1897% | 1,509 |
| Total domestic deposits to total assets | 89.4683% | 904 |
| Equity capital to assets | 7.9189% | 5,294 |
| Core capital (leverage) ratio | 8.2040% | 5,311 |
| Tier 1 risk-based capital ratio | 11.5060% | 4,860 |
| Total risk-based capital ratio | 12.5233% | 4,882 |
| Memoranda: | ||
| Average total assets | $1,009,543,000 | 757 |
| Average earning assets | $973,505,500 | 730 |
| Average equity | $80,299,000 | 1,028 |
| Average total loans | $872,788,000 | 632 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6553% | 4,441 |
| Cost of funding earning assets | 0.4617% | 2,674 |
| Net interest margin | 3.1936% | 4,460 |
| Noninterest income to average assets | 0.3047% | 4,278 |
| Noninterest expense to average assets | 2.0066% | 4,945 |
| Loan and lease loss provision to assets | 0.1118% | 2,028 |
| Net operating income to assets | 0.7774% | 3,261 |
| Return on assets (ROA) | 0.7786% | 3,296 |
| Pretax return on assets | 1.2573% | 2,519 |
| Return on Equity (ROE) | 9.8249% | 1,967 |
| Retained earnings to average equity (ytd only) | 8.3929% | 649 |
| Net charge-offs to loans | 0.0679% | 2,485 |
| Credit loss provision to net charge-offs | 193.0605% | 1,409 |
| Earnings coverage of net charge-offs (x) | 23.6014% | 1,800 |
| Efficiency ratio | 59.4757% | 4,341 |
| Assets per employee ($millions) | 11.8733% | 192 |
| Cash dividends to net income (ytd only)* | 14.5751% | 3,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8198% | 4,772 |
| Loan loss allowance to noncurrent loans | 891.1392% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 4,501 |
| Noncurrent loans to loans | 0.0920% | 4,580 |
| Net loans and leases to total assets | 85.3971% | 300 |
| Net loans and leases to deposits | 94.5203% | 1,217 |
| Net loans and leases to core deposits | 100.9311% | 1,638 |
| Total domestic deposits to total assets | 90.3480% | 450 |
| Equity capital to assets | 7.9899% | 5,399 |
| Core capital (leverage) ratio | 7.9769% | 5,455 |
| Tier 1 risk-based capital ratio | 11.5011% | 4,850 |
| Total risk-based capital ratio | 12.5174% | 4,875 |
| Memoranda: | ||
| Average total assets | $970,168,000 | 764 |
| Average earning assets | $932,339,200 | 731 |
| Average equity | $76,886,200 | 1,052 |
| Average total loans | $827,301,200 | 635 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6336% | 4,481 |
| Cost of funding earning assets | 0.4601% | 2,614 |
| Net interest margin | 3.1735% | 4,522 |
| Noninterest income to average assets | 0.3232% | 4,227 |
| Noninterest expense to average assets | 2.0210% | 4,908 |
| Loan and lease loss provision to assets | 0.1017% | 2,078 |
| Net operating income to assets | 0.8861% | 3,098 |
| Return on assets (ROA) | 0.8880% | 3,138 |
| Pretax return on assets | 1.2503% | 2,707 |
| Return on Equity (ROE) | 11.2284% | 1,596 |
| Retained earnings to average equity (ytd only) | 9.3016% | 757 |
| Net charge-offs to loans | 0.0654% | 2,183 |
| Credit loss provision to net charge-offs | 182.8358% | 1,447 |
| Earnings coverage of net charge-offs (x) | 24.2536% | 1,779 |
| Efficiency ratio | 59.9639% | 4,225 |
| Assets per employee ($millions) | 12.0674% | 181 |
| Cash dividends to net income (ytd only)* | 17.1602% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 4,848 |
| Loan loss allowance to noncurrent loans | 767.0773% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 4,579 |
| Noncurrent loans to loans | 0.1066% | 4,632 |
| Net loans and leases to total assets | 83.9977% | 432 |
| Net loans and leases to deposits | 93.0121% | 1,420 |
| Net loans and leases to core deposits | 99.0112% | 1,796 |
| Total domestic deposits to total assets | 90.3084% | 373 |
| Equity capital to assets | 8.0080% | 5,519 |
| Core capital (leverage) ratio | 7.9425% | 5,530 |
| Tier 1 risk-based capital ratio | 11.4171% | 5,002 |
| Total risk-based capital ratio | 12.4135% | 5,050 |
| Memoranda: | ||
| Average total assets | $963,371,750 | 775 |
| Average earning assets | $925,044,000 | 737 |
| Average equity | $76,185,750 | 1,063 |
| Average total loans | $819,438,750 | 643 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5845% | 4,552 |
| Cost of funding earning assets | 0.4563% | 2,542 |
| Net interest margin | 3.1282% | 4,609 |
| Noninterest income to average assets | 0.3251% | 4,222 |
| Noninterest expense to average assets | 2.0290% | 4,912 |
| Loan and lease loss provision to assets | 0.0869% | 2,244 |
| Net operating income to assets | 0.8654% | 3,099 |
| Return on assets (ROA) | 0.8654% | 3,152 |
| Pretax return on assets | 1.2164% | 2,714 |
| Return on Equity (ROE) | 10.9915% | 1,653 |
| Retained earnings to average equity (ytd only) | 8.2483% | 1,074 |
| Net charge-offs to loans | 0.0421% | 2,353 |
| Credit loss provision to net charge-offs | 242.6901% | 1,109 |
| Earnings coverage of net charge-offs (x) | 36.3801% | 1,334 |
| Efficiency ratio | 60.8890% | 4,183 |
| Assets per employee ($millions) | 11.8912% | 178 |
| Cash dividends to net income (ytd only)* | 24.9576% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 4,910 |
| Loan loss allowance to noncurrent loans | 721.5582% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 4,596 |
| Noncurrent loans to loans | 0.1130% | 4,670 |
| Net loans and leases to total assets | 84.3587% | 403 |
| Net loans and leases to deposits | 93.2186% | 1,341 |
| Net loans and leases to core deposits | 98.8976% | 1,736 |
| Total domestic deposits to total assets | 90.4955% | 361 |
| Equity capital to assets | 7.9075% | 5,572 |
| Core capital (leverage) ratio | 7.8839% | 5,570 |
| Tier 1 risk-based capital ratio | 11.2019% | 5,137 |
| Total risk-based capital ratio | 12.1953% | 5,181 |
| Memoranda: | ||
| Average total assets | $954,653,670 | 784 |
| Average earning assets | $917,718,000 | 747 |
| Average equity | $75,167,330 | 1,076 |
| Average total loans | $813,242,000 | 650 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5481% | 4,559 |
| Cost of funding earning assets | 0.4553% | 2,481 |
| Net interest margin | 3.0927% | 4,672 |
| Noninterest income to average assets | 0.3265% | 4,208 |
| Noninterest expense to average assets | 2.0601% | 4,923 |
| Loan and lease loss provision to assets | 0.0762% | 2,286 |
| Net operating income to assets | 0.8310% | 3,076 |
| Return on assets (ROA) | 0.8310% | 3,131 |
| Pretax return on assets | 1.1647% | 2,722 |
| Return on Equity (ROE) | 10.5770% | 1,706 |
| Retained earnings to average equity (ytd only) | 10.5770% | 681 |
| Net charge-offs to loans | 0.0387% | 2,034 |
| Credit loss provision to net charge-offs | 230.7692% | 929 |
| Earnings coverage of net charge-offs (x) | 37.5641% | 1,073 |
| Efficiency ratio | 62.4070% | 4,093 |
| Assets per employee ($millions) | 11.7581% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 5,024 |
| Loan loss allowance to noncurrent loans | 626.2062% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 4,613 |
| Noncurrent loans to loans | 0.1303% | 4,665 |
| Net loans and leases to total assets | 83.4577% | 417 |
| Net loans and leases to deposits | 92.4424% | 1,277 |
| Net loans and leases to core deposits | 97.9227% | 1,664 |
| Total domestic deposits to total assets | 90.2807% | 550 |
| Equity capital to assets | 7.8162% | 5,598 |
| Core capital (leverage) ratio | 8.0338% | 5,549 |
| Tier 1 risk-based capital ratio | 11.2047% | 5,203 |
| Total risk-based capital ratio | 12.1927% | 5,257 |
| Memoranda: | ||
| Average total assets | $944,442,000 | 795 |
| Average earning assets | $908,321,000 | 758 |
| Average equity | $74,199,000 | 1,082 |
| Average total loans | $805,201,500 | 658 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6513% | 4,364 |
| Cost of funding earning assets | 0.4695% | 2,356 |
| Net interest margin | 3.1818% | 4,496 |
| Noninterest income to average assets | 0.3310% | 4,369 |
| Noninterest expense to average assets | 2.1436% | 4,910 |
| Loan and lease loss provision to assets | 0.0889% | 2,589 |
| Net operating income to assets | 0.8200% | 3,209 |
| Return on assets (ROA) | 0.8486% | 3,184 |
| Pretax return on assets | 1.1880% | 2,725 |
| Return on Equity (ROE) | 10.3592% | 1,825 |
| Retained earnings to average equity (ytd only) | 8.6970% | 648 |
| Net charge-offs to loans | 0.0435% | 3,161 |
| Credit loss provision to net charge-offs | 239.8754% | 1,207 |
| Earnings coverage of net charge-offs (x) | 33.3801% | 1,338 |
| Efficiency ratio | 63.4188% | 4,037 |
| Assets per employee ($millions) | 11.1412% | 216 |
| Cash dividends to net income (ytd only)* | 16.0457% | 3,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8155% | 5,066 |
| Loan loss allowance to noncurrent loans | 539.0405% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 4,591 |
| Noncurrent loans to loans | 0.1513% | 4,636 |
| Net loans and leases to total assets | 85.7122% | 250 |
| Net loans and leases to deposits | 95.0633% | 1,084 |
| Net loans and leases to core deposits | 100.5543% | 1,575 |
| Total domestic deposits to total assets | 90.1633% | 574 |
| Equity capital to assets | 7.8983% | 5,604 |
| Core capital (leverage) ratio | 8.0339% | 5,603 |
| Tier 1 risk-based capital ratio | 11.1991% | 5,219 |
| Total risk-based capital ratio | 12.1980% | 5,261 |
| Memoranda: | ||
| Average total assets | $866,560,800 | 838 |
| Average earning assets | $830,453,000 | 798 |
| Average equity | $70,990,200 | 1,111 |
| Average total loans | $737,676,600 | 677 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6619% | 4,368 |
| Cost of funding earning assets | 0.4687% | 2,377 |
| Net interest margin | 3.1931% | 4,508 |
| Noninterest income to average assets | 0.3145% | 4,517 |
| Noninterest expense to average assets | 2.1669% | 4,853 |
| Loan and lease loss provision to assets | 0.0657% | 2,908 |
| Net operating income to assets | 0.8122% | 3,310 |
| Return on assets (ROA) | 0.8511% | 3,271 |
| Pretax return on assets | 1.1952% | 2,856 |
| Return on Equity (ROE) | 10.2894% | 1,934 |
| Retained earnings to average equity (ytd only) | 8.0571% | 1,148 |
| Net charge-offs to loans | 0.0458% | 2,733 |
| Credit loss provision to net charge-offs | 169.3548% | 1,638 |
| Earnings coverage of net charge-offs (x) | 31.0805% | 1,452 |
| Efficiency ratio | 64.2403% | 3,892 |
| Assets per employee ($millions) | 10.7225% | 233 |
| Cash dividends to net income (ytd only)* | 21.6951% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8252% | 5,116 |
| Loan loss allowance to noncurrent loans | 505.2632% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 4,642 |
| Noncurrent loans to loans | 0.1633% | 4,702 |
| Net loans and leases to total assets | 84.2669% | 389 |
| Net loans and leases to deposits | 93.4917% | 1,321 |
| Net loans and leases to core deposits | 98.2760% | 1,786 |
| Total domestic deposits to total assets | 90.1330% | 436 |
| Equity capital to assets | 8.1676% | 5,683 |
| Core capital (leverage) ratio | 8.1499% | 5,612 |
| Tier 1 risk-based capital ratio | 11.4447% | 5,123 |
| Total risk-based capital ratio | 12.4488% | 5,162 |
| Memoranda: | ||
| Average total assets | $852,021,000 | 850 |
| Average earning assets | $816,106,250 | 816 |
| Average equity | $70,478,500 | 1,119 |
| Average total loans | $722,317,000 | 690 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6718% | 4,379 |
| Cost of funding earning assets | 0.4637% | 2,439 |
| Net interest margin | 3.2081% | 4,517 |
| Noninterest income to average assets | 0.3019% | 4,631 |
| Noninterest expense to average assets | 2.1845% | 4,878 |
| Loan and lease loss provision to assets | 0.0608% | 2,925 |
| Net operating income to assets | 0.8039% | 3,290 |
| Return on assets (ROA) | 0.8039% | 3,428 |
| Pretax return on assets | 1.1275% | 3,095 |
| Return on Equity (ROE) | 9.6757% | 2,188 |
| Retained earnings to average equity (ytd only) | 6.8940% | 1,663 |
| Net charge-offs to loans | 0.0124% | 3,297 |
| Credit loss provision to net charge-offs | 579.5455% | 586 |
| Earnings coverage of net charge-offs (x) | 113.3409% | 515 |
| Efficiency ratio | 64.7686% | 3,886 |
| Assets per employee ($millions) | 10.8971% | 211 |
| Cash dividends to net income (ytd only)* | 28.7493% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 5,107 |
| Loan loss allowance to noncurrent loans | 570.2997% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 4,688 |
| Noncurrent loans to loans | 0.1505% | 4,836 |
| Net loans and leases to total assets | 84.2516% | 400 |
| Net loans and leases to deposits | 93.5196% | 1,337 |
| Net loans and leases to core deposits | 98.2452% | 1,787 |
| Total domestic deposits to total assets | 90.0897% | 456 |
| Equity capital to assets | 8.2688% | 5,707 |
| Core capital (leverage) ratio | 8.1267% | 5,652 |
| Tier 1 risk-based capital ratio | 11.5202% | 5,140 |
| Total risk-based capital ratio | 12.5647% | 5,171 |
| Memoranda: | ||
| Average total assets | $839,373,330 | 864 |
| Average earning assets | $803,472,000 | 827 |
| Average equity | $69,741,670 | 1,132 |
| Average total loans | $711,027,670 | 700 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6906% | 4,355 |
| Cost of funding earning assets | 0.4521% | 2,558 |
| Net interest margin | 3.2385% | 4,437 |
| Noninterest income to average assets | 0.3172% | 4,463 |
| Noninterest expense to average assets | 2.2133% | 4,875 |
| Loan and lease loss provision to assets | 0.0893% | 2,189 |
| Net operating income to assets | 0.7931% | 3,280 |
| Return on assets (ROA) | 0.7931% | 3,385 |
| Pretax return on assets | 1.1127% | 3,041 |
| Return on Equity (ROE) | 9.5218% | 2,193 |
| Retained earnings to average equity (ytd only) | 9.5218% | 975 |
| Net charge-offs to loans | 0.0251% | 2,429 |
| Credit loss provision to net charge-offs | 420.4545% | 683 |
| Earnings coverage of net charge-offs (x) | 56.5909% | 811 |
| Efficiency ratio | 64.8057% | 4,003 |
| Assets per employee ($millions) | 10.9370% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 5,142 |
| Loan loss allowance to noncurrent loans | 761.8405% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 4,858 |
| Noncurrent loans to loans | 0.1146% | 5,016 |
| Net loans and leases to total assets | 82.6623% | 485 |
| Net loans and leases to deposits | 93.7461% | 1,169 |
| Net loans and leases to core deposits | 98.4590% | 1,604 |
| Total domestic deposits to total assets | 88.1767% | 1,544 |
| Equity capital to assets | 8.2048% | 5,744 |
| Core capital (leverage) ratio | 8.3612% | 5,505 |
| Tier 1 risk-based capital ratio | 11.6348% | 5,144 |
| Total risk-based capital ratio | 12.6898% | 5,167 |
| Memoranda: | ||
| Average total assets | $828,623,500 | 878 |
| Average earning assets | $792,715,000 | 843 |
| Average equity | $69,020,500 | 1,138 |
| Average total loans | $700,752,500 | 711 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8546% | 3,867 |
| Cost of funding earning assets | 0.4164% | 2,982 |
| Net interest margin | 3.4382% | 3,761 |
| Noninterest income to average assets | 0.3463% | 4,433 |
| Noninterest expense to average assets | 2.1840% | 5,075 |
| Loan and lease loss provision to assets | 0.0693% | 2,900 |
| Net operating income to assets | 0.9837% | 2,452 |
| Return on assets (ROA) | 0.9989% | 2,466 |
| Pretax return on assets | 1.3984% | 1,911 |
| Return on Equity (ROE) | 11.7234% | 1,376 |
| Retained earnings to average equity (ytd only) | 8.0343% | 903 |
| Net charge-offs to loans | 0.0119% | 4,064 |
| Credit loss provision to net charge-offs | 682.0513% | 491 |
| Earnings coverage of net charge-offs (x) | 142.2949% | 437 |
| Efficiency ratio | 60.1587% | 4,887 |
| Assets per employee ($millions) | 10.5811% | 225 |
| Cash dividends to net income (ytd only)* | 31.4677% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8793% | 5,157 |
| Loan loss allowance to noncurrent loans | 799.4730% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 4,606 |
| Noncurrent loans to loans | 0.1100% | 5,063 |
| Net loans and leases to total assets | 85.0635% | 303 |
| Net loans and leases to deposits | 103.5686% | 461 |
| Net loans and leases to core deposits | 108.1677% | 956 |
| Total domestic deposits to total assets | 82.1325% | 4,139 |
| Equity capital to assets | 8.4619% | 5,591 |
| Core capital (leverage) ratio | 8.3650% | 5,559 |
| Tier 1 risk-based capital ratio | 11.5141% | 5,247 |
| Total risk-based capital ratio | 12.5598% | 5,262 |
| Memoranda: | ||
| Average total assets | $767,358,400 | 903 |
| Average earning assets | $732,963,800 | 871 |
| Average equity | $65,382,200 | 1,155 |
| Average total loans | $653,494,400 | 717 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8606% | 3,890 |
| Cost of funding earning assets | 0.4091% | 3,134 |
| Net interest margin | 3.4515% | 3,744 |
| Noninterest income to average assets | 0.3322% | 4,566 |
| Noninterest expense to average assets | 2.1782% | 5,106 |
| Loan and lease loss provision to assets | 0.0725% | 2,724 |
| Net operating income to assets | 0.9821% | 2,562 |
| Return on assets (ROA) | 1.0026% | 2,551 |
| Pretax return on assets | 1.4069% | 1,988 |
| Return on Equity (ROE) | 11.7454% | 1,449 |
| Retained earnings to average equity (ytd only) | 7.3530% | 1,521 |
| Net charge-offs to loans | 0.0128% | 3,726 |
| Credit loss provision to net charge-offs | 664.5161% | 517 |
| Earnings coverage of net charge-offs (x) | 133.0397% | 504 |
| Efficiency ratio | 60.0271% | 4,881 |
| Assets per employee ($millions) | 10.8074% | 209 |
| Cash dividends to net income (ytd only)* | 37.3970% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 5,298 |
| Loan loss allowance to noncurrent loans | 545.1554% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 4,512 |
| Noncurrent loans to loans | 0.1597% | 5,005 |
| Net loans and leases to total assets | 84.9099% | 312 |
| Net loans and leases to deposits | 107.0456% | 331 |
| Net loans and leases to core deposits | 112.0261% | 760 |
| Total domestic deposits to total assets | 79.3212% | 4,904 |
| Equity capital to assets | 8.3080% | 5,824 |
| Core capital (leverage) ratio | 8.2516% | 5,744 |
| Tier 1 risk-based capital ratio | 11.3721% | 5,447 |
| Total risk-based capital ratio | 12.4137% | 5,463 |
| Memoranda: | ||
| Average total assets | $758,158,000 | 917 |
| Average earning assets | $724,113,000 | 886 |
| Average equity | $64,716,000 | 1,176 |
| Average total loans | $644,339,250 | 733 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 3,832 |
| Cost of funding earning assets | 0.4013% | 3,261 |
| Net interest margin | 3.4574% | 3,672 |
| Noninterest income to average assets | 0.3388% | 4,531 |
| Noninterest expense to average assets | 2.2217% | 5,052 |
| Loan and lease loss provision to assets | 0.0382% | 3,354 |
| Net operating income to assets | 0.9871% | 2,458 |
| Return on assets (ROA) | 1.0136% | 2,435 |
| Pretax return on assets | 1.4180% | 1,900 |
| Return on Equity (ROE) | 11.7617% | 1,449 |
| Retained earnings to average equity (ytd only) | 6.6666% | 1,867 |
| Net charge-offs to loans | 0.0178% | 3,343 |
| Credit loss provision to net charge-offs | 253.5714% | 1,042 |
| Earnings coverage of net charge-offs (x) | 94.2857% | 623 |
| Efficiency ratio | 61.0275% | 4,826 |
| Assets per employee ($millions) | 10.7393% | 214 |
| Cash dividends to net income (ytd only)* | 43.3192% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 5,408 |
| Loan loss allowance to noncurrent loans | 310.6267% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 4,329 |
| Noncurrent loans to loans | 0.2794% | 4,673 |
| Net loans and leases to total assets | 84.2011% | 359 |
| Net loans and leases to deposits | 105.0093% | 407 |
| Net loans and leases to core deposits | 109.6538% | 852 |
| Total domestic deposits to total assets | 80.1844% | 4,820 |
| Equity capital to assets | 8.3673% | 5,781 |
| Core capital (leverage) ratio | 8.4292% | 5,596 |
| Tier 1 risk-based capital ratio | 11.7016% | 5,341 |
| Total risk-based capital ratio | 12.7492% | 5,387 |
| Memoranda: | ||
| Average total assets | $744,294,670 | 932 |
| Average earning assets | $710,767,330 | 901 |
| Average equity | $64,140,330 | 1,194 |
| Average total loans | $630,776,000 | 744 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 3,501 |
| Cost of funding earning assets | 0.3968% | 3,342 |
| Net interest margin | 3.5331% | 3,290 |
| Noninterest income to average assets | 0.3201% | 4,627 |
| Noninterest expense to average assets | 2.2181% | 5,100 |
| Loan and lease loss provision to assets | 0.0121% | 3,569 |
| Net operating income to assets | 1.0443% | 2,054 |
| Return on assets (ROA) | 1.0983% | 1,987 |
| Pretax return on assets | 1.5434% | 1,413 |
| Return on Equity (ROE) | 12.5522% | 1,204 |
| Retained earnings to average equity (ytd only) | 10.1971% | 873 |
| Net charge-offs to loans | 0.0006% | 3,281 |
| Credit loss provision to net charge-offs | 2,200.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 2,699.0000% | 10 |
| Efficiency ratio | 59.9911% | 5,089 |
| Assets per employee ($millions) | 10.7380% | 215 |
| Cash dividends to net income (ytd only)* | 18.7625% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 5,437 |
| Loan loss allowance to noncurrent loans | 317.6437% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 4,498 |
| Noncurrent loans to loans | 0.2838% | 4,757 |
| Net loans and leases to total assets | 83.5913% | 335 |
| Net loans and leases to deposits | 101.5894% | 477 |
| Net loans and leases to core deposits | 104.9358% | 1,003 |
| Total domestic deposits to total assets | 82.2834% | 4,423 |
| Equity capital to assets | 8.7390% | 5,552 |
| Core capital (leverage) ratio | 8.6135% | 5,407 |
| Tier 1 risk-based capital ratio | 12.1618% | 5,137 |
| Total risk-based capital ratio | 13.2470% | 5,135 |
| Memoranda: | ||
| Average total assets | $729,829,000 | 950 |
| Average earning assets | $697,634,000 | 923 |
| Average equity | $63,861,500 | 1,195 |
| Average total loans | $617,781,500 | 758 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8883% | 4,165 |
| Cost of funding earning assets | 0.4091% | 3,596 |
| Net interest margin | 3.4792% | 3,874 |
| Noninterest income to average assets | 0.3406% | 4,668 |
| Noninterest expense to average assets | 2.2855% | 5,146 |
| Loan and lease loss provision to assets | 0.0356% | 3,880 |
| Net operating income to assets | 0.9615% | 2,574 |
| Return on assets (ROA) | 0.9649% | 2,644 |
| Pretax return on assets | 1.3432% | 2,097 |
| Return on Equity (ROE) | 11.2233% | 1,647 |
| Retained earnings to average equity (ytd only) | 7.6042% | 1,160 |
| Net charge-offs to loans | -0.0065% | 5,503 |
| Credit loss provision to net charge-offs | -657.8947% | 5,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4528% | 4,834 |
| Assets per employee ($millions) | 10.4164% | 218 |
| Cash dividends to net income (ytd only)* | 32.2462% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 5,408 |
| Loan loss allowance to noncurrent loans | 333.5710% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 4,533 |
| Noncurrent loans to loans | 0.2756% | 4,867 |
| Net loans and leases to total assets | 84.1711% | 331 |
| Net loans and leases to deposits | 98.8382% | 695 |
| Net loans and leases to core deposits | 101.8931% | 1,251 |
| Total domestic deposits to total assets | 85.1605% | 3,228 |
| Equity capital to assets | 8.7618% | 5,521 |
| Core capital (leverage) ratio | 8.5296% | 5,527 |
| Tier 1 risk-based capital ratio | 12.3486% | 5,128 |
| Total risk-based capital ratio | 13.4757% | 5,121 |
| Memoranda: | ||
| Average total assets | $702,284,200 | 955 |
| Average earning assets | $669,951,200 | 920 |
| Average equity | $60,374,400 | 1,213 |
| Average total loans | $588,147,000 | 748 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8809% | 4,235 |
| Cost of funding earning assets | 0.4067% | 3,707 |
| Net interest margin | 3.4742% | 3,926 |
| Noninterest income to average assets | 0.3300% | 4,796 |
| Noninterest expense to average assets | 2.2632% | 5,197 |
| Loan and lease loss provision to assets | 0.0477% | 3,422 |
| Net operating income to assets | 0.9538% | 2,667 |
| Return on assets (ROA) | 0.9581% | 2,727 |
| Pretax return on assets | 1.3370% | 2,246 |
| Return on Equity (ROE) | 11.2000% | 1,715 |
| Retained earnings to average equity (ytd only) | 7.6885% | 1,498 |
| Net charge-offs to loans | -0.0087% | 5,400 |
| Credit loss provision to net charge-offs | -657.8947% | 5,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1415% | 4,865 |
| Assets per employee ($millions) | 10.3939% | 215 |
| Cash dividends to net income (ytd only)* | 31.3534% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 5,454 |
| Loan loss allowance to noncurrent loans | 316.4600% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 4,817 |
| Noncurrent loans to loans | 0.2983% | 5,009 |
| Net loans and leases to total assets | 82.1468% | 494 |
| Net loans and leases to deposits | 97.2861% | 774 |
| Net loans and leases to core deposits | 100.1416% | 1,358 |
| Total domestic deposits to total assets | 84.4384% | 3,576 |
| Equity capital to assets | 8.6076% | 5,716 |
| Core capital (leverage) ratio | 8.5340% | 5,619 |
| Tier 1 risk-based capital ratio | 12.3179% | 5,283 |
| Total risk-based capital ratio | 13.4640% | 5,271 |
| Memoranda: | ||
| Average total assets | $698,171,500 | 968 |
| Average earning assets | $665,571,500 | 932 |
| Average equity | $59,724,500 | 1,235 |
| Average total loans | $582,538,500 | 756 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 4,284 |
| Cost of funding earning assets | 0.4011% | 3,857 |
| Net interest margin | 3.4638% | 3,921 |
| Noninterest income to average assets | 0.3229% | 4,833 |
| Noninterest expense to average assets | 2.2855% | 5,188 |
| Loan and lease loss provision to assets | 0.0607% | 3,058 |
| Net operating income to assets | 0.9232% | 2,689 |
| Return on assets (ROA) | 0.9297% | 2,764 |
| Pretax return on assets | 1.2960% | 2,267 |
| Return on Equity (ROE) | 10.8915% | 1,777 |
| Retained earnings to average equity (ytd only) | 8.3447% | 1,192 |
| Net charge-offs to loans | 0.0353% | 3,505 |
| Credit loss provision to net charge-offs | 205.8824% | 1,141 |
| Earnings coverage of net charge-offs (x) | 45.7059% | 965 |
| Efficiency ratio | 62.9058% | 4,873 |
| Assets per employee ($millions) | 9.7469% | 250 |
| Cash dividends to net income (ytd only)* | 23.3831% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 5,653 |
| Loan loss allowance to noncurrent loans | 172.1800% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.5255% | 4,426 |
| Noncurrent loans to loans | 0.5360% | 4,400 |
| Net loans and leases to total assets | 83.1216% | 370 |
| Net loans and leases to deposits | 96.0766% | 797 |
| Net loans and leases to core deposits | 99.2002% | 1,343 |
| Total domestic deposits to total assets | 86.5160% | 2,749 |
| Equity capital to assets | 8.6370% | 5,679 |
| Core capital (leverage) ratio | 8.5099% | 5,628 |
| Tier 1 risk-based capital ratio | 12.2253% | 5,405 |
| Total risk-based capital ratio | 13.3449% | 5,409 |
| Memoranda: | ||
| Average total assets | $691,834,670 | 976 |
| Average earning assets | $661,189,330 | 939 |
| Average equity | $59,055,330 | 1,237 |
| Average total loans | $578,466,000 | 758 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8317% | 4,351 |
| Cost of funding earning assets | 0.3944% | 4,042 |
| Net interest margin | 3.4373% | 3,950 |
| Noninterest income to average assets | 0.3191% | 4,823 |
| Noninterest expense to average assets | 2.2992% | 5,194 |
| Loan and lease loss provision to assets | 0.0611% | 2,888 |
| Net operating income to assets | 0.8885% | 2,710 |
| Return on assets (ROA) | 0.9015% | 2,709 |
| Pretax return on assets | 1.2608% | 2,245 |
| Return on Equity (ROE) | 10.6252% | 1,810 |
| Retained earnings to average equity (ytd only) | 10.6252% | 811 |
| Net charge-offs to loans | 0.0398% | 2,830 |
| Credit loss provision to net charge-offs | 184.2105% | 1,108 |
| Earnings coverage of net charge-offs (x) | 39.2807% | 888 |
| Efficiency ratio | 63.8112% | 4,886 |
| Assets per employee ($millions) | 10.3354% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 5,775 |
| Loan loss allowance to noncurrent loans | 204.0243% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 4,765 |
| Noncurrent loans to loans | 0.4557% | 4,787 |
| Net loans and leases to total assets | 81.4838% | 397 |
| Net loans and leases to deposits | 93.9497% | 801 |
| Net loans and leases to core deposits | 96.9074% | 1,315 |
| Total domestic deposits to total assets | 86.7313% | 2,976 |
| Equity capital to assets | 8.4225% | 5,726 |
| Core capital (leverage) ratio | 8.5165% | 5,619 |
| Tier 1 risk-based capital ratio | 12.1604% | 5,536 |
| Total risk-based capital ratio | 13.2795% | 5,556 |
| Memoranda: | ||
| Average total assets | $686,862,000 | 991 |
| Average earning assets | $656,204,000 | 948 |
| Average equity | $58,276,500 | 1,250 |
| Average total loans | $573,316,500 | 766 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 4,181 |
| Cost of funding earning assets | 0.4198% | 4,434 |
| Net interest margin | 3.5538% | 3,661 |
| Noninterest income to average assets | 0.2995% | 5,202 |
| Noninterest expense to average assets | 2.3096% | 5,353 |
| Loan and lease loss provision to assets | 0.1523% | 2,373 |
| Net operating income to assets | 0.8776% | 2,895 |
| Return on assets (ROA) | 0.9149% | 2,795 |
| Pretax return on assets | 1.2762% | 2,247 |
| Return on Equity (ROE) | 10.7590% | 1,841 |
| Retained earnings to average equity (ytd only) | 8.5021% | 902 |
| Net charge-offs to loans | 0.1517% | 3,285 |
| Credit loss provision to net charge-offs | 122.0172% | 1,948 |
| Earnings coverage of net charge-offs (x) | 11.0295% | 2,285 |
| Efficiency ratio | 62.6531% | 5,108 |
| Assets per employee ($millions) | 9.4495% | 276 |
| Cash dividends to net income (ytd only)* | 20.9767% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 5,809 |
| Loan loss allowance to noncurrent loans | 173.0907% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 4,561 |
| Noncurrent loans to loans | 0.5412% | 4,642 |
| Net loans and leases to total assets | 83.9537% | 260 |
| Net loans and leases to deposits | 98.8536% | 546 |
| Net loans and leases to core deposits | 100.1070% | 1,151 |
| Total domestic deposits to total assets | 84.9273% | 3,781 |
| Equity capital to assets | 8.5494% | 5,532 |
| Core capital (leverage) ratio | 8.5008% | 5,672 |
| Tier 1 risk-based capital ratio | 12.0419% | 5,590 |
| Total risk-based capital ratio | 13.1707% | 5,602 |
| Memoranda: | ||
| Average total assets | $651,330,000 | 1,028 |
| Average earning assets | $620,710,200 | 981 |
| Average equity | $55,386,200 | 1,287 |
| Average total loans | $535,838,600 | 786 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9641% | 4,264 |
| Cost of funding earning assets | 0.4302% | 4,506 |
| Net interest margin | 3.5340% | 3,739 |
| Noninterest income to average assets | 0.3172% | 5,160 |
| Noninterest expense to average assets | 2.3119% | 5,299 |
| Loan and lease loss provision to assets | 0.1737% | 2,092 |
| Net operating income to assets | 0.8630% | 3,030 |
| Return on assets (ROA) | 0.8630% | 3,141 |
| Pretax return on assets | 1.1985% | 2,700 |
| Return on Equity (ROE) | 10.1626% | 2,119 |
| Retained earnings to average equity (ytd only) | 7.1264% | 1,818 |
| Net charge-offs to loans | 0.1764% | 2,810 |
| Credit loss provision to net charge-offs | 120.6304% | 1,953 |
| Earnings coverage of net charge-offs (x) | 9.5315% | 2,472 |
| Efficiency ratio | 62.7533% | 5,021 |
| Assets per employee ($millions) | 9.4609% | 272 |
| Cash dividends to net income (ytd only)* | 29.8758% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 5,887 |
| Loan loss allowance to noncurrent loans | 188.6947% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 4,259 |
| Noncurrent loans to loans | 0.5086% | 4,921 |
| Net loans and leases to total assets | 82.4550% | 334 |
| Net loans and leases to deposits | 97.6579% | 591 |
| Net loans and leases to core deposits | 98.8716% | 1,179 |
| Total domestic deposits to total assets | 84.4324% | 4,015 |
| Equity capital to assets | 8.3795% | 5,855 |
| Core capital (leverage) ratio | 8.4764% | 5,793 |
| Tier 1 risk-based capital ratio | 11.8863% | 5,847 |
| Total risk-based capital ratio | 13.0292% | 5,865 |
| Memoranda: | ||
| Average total assets | $646,434,000 | 1,041 |
| Average earning assets | $615,875,000 | 996 |
| Average equity | $54,893,000 | 1,312 |
| Average total loans | $527,652,500 | 799 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 4,241 |
| Cost of funding earning assets | 0.4457% | 4,477 |
| Net interest margin | 3.5201% | 3,698 |
| Noninterest income to average assets | 0.3054% | 5,265 |
| Noninterest expense to average assets | 2.3361% | 5,253 |
| Loan and lease loss provision to assets | 0.1659% | 2,249 |
| Net operating income to assets | 0.8347% | 3,124 |
| Return on assets (ROA) | 0.8347% | 3,275 |
| Pretax return on assets | 1.1588% | 2,848 |
| Return on Equity (ROE) | 9.7856% | 2,282 |
| Retained earnings to average equity (ytd only) | 6.3994% | 2,203 |
| Net charge-offs to loans | 0.2347% | 2,313 |
| Credit loss provision to net charge-offs | 87.2131% | 2,495 |
| Earnings coverage of net charge-offs (x) | 6.9623% | 2,620 |
| Efficiency ratio | 63.8122% | 4,896 |
| Assets per employee ($millions) | 9.2093% | 280 |
| Cash dividends to net income (ytd only)* | 34.6039% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 5,989 |
| Loan loss allowance to noncurrent loans | 141.1192% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.9666% | 3,843 |
| Noncurrent loans to loans | 0.6734% | 4,588 |
| Net loans and leases to total assets | 81.9562% | 359 |
| Net loans and leases to deposits | 96.8395% | 614 |
| Net loans and leases to core deposits | 98.1344% | 1,204 |
| Total domestic deposits to total assets | 84.6310% | 4,070 |
| Equity capital to assets | 8.4450% | 5,821 |
| Core capital (leverage) ratio | 8.4380% | 5,735 |
| Tier 1 risk-based capital ratio | 11.7329% | 5,968 |
| Total risk-based capital ratio | 12.8378% | 6,019 |
| Memoranda: | ||
| Average total assets | $641,158,330 | 1,050 |
| Average earning assets | $611,182,670 | 1,011 |
| Average equity | $54,692,670 | 1,316 |
| Average total loans | $519,750,670 | 814 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 4,324 |
| Cost of funding earning assets | 0.4613% | 4,467 |
| Net interest margin | 3.4801% | 3,782 |
| Noninterest income to average assets | 0.3109% | 5,206 |
| Noninterest expense to average assets | 2.3559% | 5,255 |
| Loan and lease loss provision to assets | 0.1752% | 2,118 |
| Net operating income to assets | 0.7982% | 3,178 |
| Return on assets (ROA) | 0.7982% | 3,311 |
| Pretax return on assets | 1.1023% | 2,943 |
| Return on Equity (ROE) | 9.3107% | 2,347 |
| Retained earnings to average equity (ytd only) | 7.3990% | 1,986 |
| Net charge-offs to loans | 0.3244% | 1,665 |
| Credit loss provision to net charge-offs | 67.3077% | 2,331 |
| Earnings coverage of net charge-offs (x) | 4.9087% | 2,453 |
| Efficiency ratio | 64.8416% | 4,854 |
| Assets per employee ($millions) | 9.2224% | 292 |
| Cash dividends to net income (ytd only)* | 20.5329% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 6,096 |
| Loan loss allowance to noncurrent loans | 189.3802% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.8421% | 4,278 |
| Noncurrent loans to loans | 0.5082% | 5,157 |
| Net loans and leases to total assets | 81.0279% | 349 |
| Net loans and leases to deposits | 95.0532% | 600 |
| Net loans and leases to core deposits | 96.3787% | 1,179 |
| Total domestic deposits to total assets | 85.2447% | 3,930 |
| Equity capital to assets | 8.6916% | 5,819 |
| Core capital (leverage) ratio | 8.3478% | 5,763 |
| Tier 1 risk-based capital ratio | 12.0551% | 5,884 |
| Total risk-based capital ratio | 13.1933% | 5,914 |
| Memoranda: | ||
| Average total assets | $639,411,000 | 1,067 |
| Average earning assets | $610,433,500 | 1,015 |
| Average equity | $54,818,500 | 1,330 |
| Average total loans | $512,925,000 | 828 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 4,887 |
| Cost of funding earning assets | 0.6251% | 4,135 |
| Net interest margin | 3.4915% | 4,529 |
| Noninterest income to average assets | 0.2176% | 5,871 |
| Noninterest expense to average assets | 2.1618% | 5,999 |
| Loan and lease loss provision to assets | 0.1907% | 3,257 |
| Net operating income to assets | 0.8697% | 2,959 |
| Return on assets (ROA) | 1.0037% | 2,541 |
| Pretax return on assets | 1.4004% | 2,038 |
| Return on Equity (ROE) | 12.0601% | 1,493 |
| Retained earnings to average equity (ytd only) | 10.3344% | 539 |
| Net charge-offs to loans | 0.0543% | 5,173 |
| Credit loss provision to net charge-offs | 471.3147% | 515 |
| Earnings coverage of net charge-offs (x) | 34.7251% | 901 |
| Efficiency ratio | 60.6110% | 5,446 |
| Assets per employee ($millions) | 9.1782% | 311 |
| Cash dividends to net income (ytd only)* | 14.3087% | 3,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 5,899 |
| Loan loss allowance to noncurrent loans | 183.4938% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 4,221 |
| Noncurrent loans to loans | 0.5552% | 5,139 |
| Net loans and leases to total assets | 77.8355% | 700 |
| Net loans and leases to deposits | 90.3407% | 1,049 |
| Net loans and leases to core deposits | 91.5734% | 1,669 |
| Total domestic deposits to total assets | 86.1577% | 3,273 |
| Equity capital to assets | 8.4561% | 6,081 |
| Core capital (leverage) ratio | 8.0075% | 6,188 |
| Tier 1 risk-based capital ratio | 12.1039% | 5,716 |
| Total risk-based capital ratio | 13.3009% | 5,712 |
| Memoranda: | ||
| Average total assets | $620,410,400 | 1,068 |
| Average earning assets | $595,095,800 | 1,014 |
| Average equity | $51,633,200 | 1,376 |
| Average total loans | $462,145,400 | 892 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 5,067 |
| Cost of funding earning assets | 0.6647% | 4,068 |
| Net interest margin | 3.4687% | 4,765 |
| Noninterest income to average assets | 0.2118% | 6,026 |
| Noninterest expense to average assets | 2.1321% | 6,107 |
| Loan and lease loss provision to assets | 0.1756% | 3,381 |
| Net operating income to assets | 0.8869% | 3,046 |
| Return on assets (ROA) | 0.9857% | 2,808 |
| Pretax return on assets | 1.3749% | 2,324 |
| Return on Equity (ROE) | 11.8941% | 1,668 |
| Retained earnings to average equity (ytd only) | 9.9737% | 922 |
| Net charge-offs to loans | 0.0606% | 4,818 |
| Credit loss provision to net charge-offs | 395.1220% | 682 |
| Earnings coverage of net charge-offs (x) | 31.7947% | 1,050 |
| Efficiency ratio | 60.1370% | 5,472 |
| Assets per employee ($millions) | 9.7705% | 262 |
| Cash dividends to net income (ytd only)* | 16.1460% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 6,101 |
| Loan loss allowance to noncurrent loans | 179.8507% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.8605% | 4,569 |
| Noncurrent loans to loans | 0.5540% | 5,338 |
| Net loans and leases to total assets | 74.2745% | 1,209 |
| Net loans and leases to deposits | 88.0296% | 1,344 |
| Net loans and leases to core deposits | 89.2081% | 2,084 |
| Total domestic deposits to total assets | 84.3745% | 4,049 |
| Equity capital to assets | 8.2382% | 6,465 |
| Core capital (leverage) ratio | 7.8651% | 6,427 |
| Tier 1 risk-based capital ratio | 12.2993% | 5,763 |
| Total risk-based capital ratio | 13.4732% | 5,795 |
| Memoranda: | ||
| Average total assets | $614,894,750 | 1,083 |
| Average earning assets | $590,945,250 | 1,024 |
| Average equity | $50,959,500 | 1,399 |
| Average total loans | $451,377,000 | 920 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 5,074 |
| Cost of funding earning assets | 0.7107% | 3,934 |
| Net interest margin | 3.4525% | 4,870 |
| Noninterest income to average assets | 0.2235% | 5,967 |
| Noninterest expense to average assets | 2.1666% | 6,091 |
| Loan and lease loss provision to assets | 0.1901% | 3,199 |
| Net operating income to assets | 0.8610% | 3,083 |
| Return on assets (ROA) | 0.8610% | 3,350 |
| Pretax return on assets | 1.1866% | 2,987 |
| Return on Equity (ROE) | 10.3667% | 2,219 |
| Retained earnings to average equity (ytd only) | 8.2806% | 1,534 |
| Net charge-offs to loans | 0.0136% | 5,247 |
| Credit loss provision to net charge-offs | 1,916.6667% | 160 |
| Earnings coverage of net charge-offs (x) | 138.8000% | 322 |
| Efficiency ratio | 61.1458% | 5,398 |
| Assets per employee ($millions) | 9.2824% | 293 |
| Cash dividends to net income (ytd only)* | 20.1229% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 6,032 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9366% | 4,499 |
| Noncurrent loans to loans | 0.6180% | 5,277 |
| Net loans and leases to total assets | 73.5429% | 1,323 |
| Net loans and leases to deposits | 85.3472% | 1,681 |
| Net loans and leases to core deposits | 86.5061% | 2,362 |
| Total domestic deposits to total assets | 86.1690% | 3,272 |
| Equity capital to assets | 8.2716% | 6,400 |
| Core capital (leverage) ratio | 7.8841% | 6,384 |
| Tier 1 risk-based capital ratio | 12.3361% | 5,698 |
| Total risk-based capital ratio | 13.5406% | 5,706 |
| Memoranda: | ||
| Average total assets | $604,909,330 | 1,103 |
| Average earning assets | $581,671,670 | 1,038 |
| Average equity | $50,238,000 | 1,409 |
| Average total loans | $440,576,000 | 945 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1874% | 5,152 |
| Cost of funding earning assets | 0.7730% | 3,680 |
| Net interest margin | 3.4143% | 5,060 |
| Noninterest income to average assets | 0.1898% | 6,243 |
| Noninterest expense to average assets | 2.2106% | 6,017 |
| Loan and lease loss provision to assets | 0.0872% | 4,287 |
| Net operating income to assets | 0.8531% | 3,142 |
| Return on assets (ROA) | 0.8531% | 3,377 |
| Pretax return on assets | 1.1744% | 3,011 |
| Return on Equity (ROE) | 10.2507% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.1225% | 1,544 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6662% | 4,990 |
| Assets per employee ($millions) | 9.3445% | 289 |
| Cash dividends to net income (ytd only)* | 11.0063% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 6,266 |
| Loan loss allowance to noncurrent loans | 175.6975% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8824% | 4,765 |
| Noncurrent loans to loans | 0.5669% | 5,530 |
| Net loans and leases to total assets | 70.0302% | 1,750 |
| Net loans and leases to deposits | 82.0511% | 1,932 |
| Net loans and leases to core deposits | 83.2234% | 2,652 |
| Total domestic deposits to total assets | 85.3495% | 3,856 |
| Equity capital to assets | 8.1453% | 6,416 |
| Core capital (leverage) ratio | 7.9384% | 6,305 |
| Tier 1 risk-based capital ratio | 12.9038% | 5,279 |
| Total risk-based capital ratio | 14.0771% | 5,319 |
| Memoranda: | ||
| Average total assets | $596,402,500 | 1,122 |
| Average earning assets | $573,345,500 | 1,058 |
| Average equity | $49,635,500 | 1,420 |
| Average total loans | $429,794,000 | 972 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 4,480 |
| Cost of funding earning assets | 0.8944% | 4,170 |
| Net interest margin | 3.7490% | 4,086 |
| Noninterest income to average assets | 0.2627% | 5,656 |
| Noninterest expense to average assets | 2.3223% | 5,995 |
| Loan and lease loss provision to assets | 0.1374% | 4,900 |
| Net operating income to assets | 0.9817% | 2,271 |
| Return on assets (ROA) | 1.0464% | 2,160 |
| Pretax return on assets | 1.4774% | 1,539 |
| Return on Equity (ROE) | 12.3346% | 1,322 |
| Retained earnings to average equity (ytd only) | 9.5597% | 658 |
| Net charge-offs to loans | 0.0571% | 5,737 |
| Credit loss provision to net charge-offs | 321.9298% | 724 |
| Earnings coverage of net charge-offs (x) | 35.7105% | 735 |
| Efficiency ratio | 60.3834% | 5,690 |
| Assets per employee ($millions) | 8.5980% | 379 |
| Cash dividends to net income (ytd only)* | 22.4964% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 6,242 |
| Loan loss allowance to noncurrent loans | 197.5164% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.9586% | 4,695 |
| Noncurrent loans to loans | 0.5041% | 5,699 |
| Net loans and leases to total assets | 72.7563% | 1,503 |
| Net loans and leases to deposits | 86.8686% | 1,554 |
| Net loans and leases to core deposits | 89.5787% | 2,181 |
| Total domestic deposits to total assets | 83.7545% | 4,431 |
| Equity capital to assets | 8.5122% | 6,140 |
| Core capital (leverage) ratio | 8.2641% | 5,901 |
| Tier 1 risk-based capital ratio | 12.6882% | 5,315 |
| Total risk-based capital ratio | 13.8346% | 5,372 |
| Memoranda: | ||
| Average total assets | $534,379,800 | 1,247 |
| Average earning assets | $510,753,000 | 1,181 |
| Average equity | $45,336,000 | 1,500 |
| Average total loans | $399,250,600 | 1,067 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7192% | 4,360 |
| Cost of funding earning assets | 0.9076% | 4,344 |
| Net interest margin | 3.8116% | 3,817 |
| Noninterest income to average assets | 0.2596% | 5,763 |
| Noninterest expense to average assets | 2.4218% | 5,708 |
| Loan and lease loss provision to assets | 0.1377% | 4,715 |
| Net operating income to assets | 0.9459% | 2,546 |
| Return on assets (ROA) | 1.0339% | 2,358 |
| Pretax return on assets | 1.4627% | 1,752 |
| Return on Equity (ROE) | 12.1979% | 1,490 |
| Retained earnings to average equity (ytd only) | 9.4689% | 994 |
| Net charge-offs to loans | 0.0495% | 5,491 |
| Credit loss provision to net charge-offs | 370.5479% | 770 |
| Earnings coverage of net charge-offs (x) | 39.7401% | 774 |
| Efficiency ratio | 62.1255% | 5,389 |
| Assets per employee ($millions) | 8.6680% | 372 |
| Cash dividends to net income (ytd only)* | 22.3726% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,287 |
| Loan loss allowance to noncurrent loans | 179.4491% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.9966% | 4,762 |
| Noncurrent loans to loans | 0.5553% | 5,754 |
| Net loans and leases to total assets | 75.8670% | 999 |
| Net loans and leases to deposits | 90.7616% | 1,131 |
| Net loans and leases to core deposits | 93.8055% | 1,808 |
| Total domestic deposits to total assets | 83.5893% | 4,438 |
| Equity capital to assets | 8.7119% | 6,074 |
| Core capital (leverage) ratio | 8.4686% | 5,750 |
| Tier 1 risk-based capital ratio | 12.3014% | 5,665 |
| Total risk-based capital ratio | 13.4266% | 5,747 |
| Memoranda: | ||
| Average total assets | $523,957,750 | 1,281 |
| Average earning assets | $500,183,750 | 1,216 |
| Average equity | $44,411,000 | 1,530 |
| Average total loans | $393,228,000 | 1,093 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 4,593 |
| Cost of funding earning assets | 0.9182% | 4,529 |
| Net interest margin | 3.7684% | 3,948 |
| Noninterest income to average assets | 0.2572% | 5,808 |
| Noninterest expense to average assets | 2.4178% | 5,789 |
| Loan and lease loss provision to assets | 0.1167% | 4,817 |
| Net operating income to assets | 0.9421% | 2,472 |
| Return on assets (ROA) | 0.9421% | 2,565 |
| Pretax return on assets | 1.3221% | 2,072 |
| Return on Equity (ROE) | 11.2226% | 1,721 |
| Retained earnings to average equity (ytd only) | 8.3379% | 1,322 |
| Net charge-offs to loans | 0.0517% | 5,134 |
| Credit loss provision to net charge-offs | 303.0000% | 999 |
| Earnings coverage of net charge-offs (x) | 37.3700% | 781 |
| Efficiency ratio | 62.6934% | 5,458 |
| Assets per employee ($millions) | 8.8938% | 339 |
| Cash dividends to net income (ytd only)* | 25.7049% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 6,357 |
| Loan loss allowance to noncurrent loans | 115.3982% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 4,435 |
| Noncurrent loans to loans | 0.8632% | 5,224 |
| Net loans and leases to total assets | 74.0934% | 1,399 |
| Net loans and leases to deposits | 89.9191% | 1,278 |
| Net loans and leases to core deposits | 93.5052% | 1,960 |
| Total domestic deposits to total assets | 82.4002% | 5,022 |
| Equity capital to assets | 8.6349% | 6,019 |
| Core capital (leverage) ratio | 8.3509% | 5,786 |
| Tier 1 risk-based capital ratio | 12.4074% | 5,433 |
| Total risk-based capital ratio | 13.5224% | 5,531 |
| Memoranda: | ||
| Average total assets | $519,471,330 | 1,297 |
| Average earning assets | $496,180,330 | 1,228 |
| Average equity | $43,608,330 | 1,541 |
| Average total loans | $387,028,670 | 1,127 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7208% | 4,423 |
| Cost of funding earning assets | 0.9322% | 4,706 |
| Net interest margin | 3.7887% | 3,667 |
| Noninterest income to average assets | 0.2492% | 5,907 |
| Noninterest expense to average assets | 2.4224% | 5,822 |
| Loan and lease loss provision to assets | 0.1277% | 4,398 |
| Net operating income to assets | 0.9372% | 2,414 |
| Return on assets (ROA) | 0.9372% | 2,477 |
| Pretax return on assets | 1.3134% | 2,003 |
| Return on Equity (ROE) | 11.3290% | 1,637 |
| Retained earnings to average equity (ytd only) | 9.3644% | 1,272 |
| Net charge-offs to loans | 0.0885% | 4,066 |
| Credit loss provision to net charge-offs | 194.1176% | 1,525 |
| Earnings coverage of net charge-offs (x) | 21.9059% | 1,068 |
| Efficiency ratio | 62.7003% | 5,567 |
| Assets per employee ($millions) | 8.5169% | 395 |
| Cash dividends to net income (ytd only)* | 17.3410% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,411 |
| Loan loss allowance to noncurrent loans | 125.3805% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 1.1724% | 4,603 |
| Noncurrent loans to loans | 0.7948% | 5,443 |
| Net loans and leases to total assets | 72.4558% | 1,619 |
| Net loans and leases to deposits | 88.1847% | 1,443 |
| Net loans and leases to core deposits | 92.0238% | 2,129 |
| Total domestic deposits to total assets | 82.1636% | 5,244 |
| Equity capital to assets | 8.3743% | 6,080 |
| Core capital (leverage) ratio | 8.2742% | 5,859 |
| Tier 1 risk-based capital ratio | 12.5071% | 5,258 |
| Total risk-based capital ratio | 13.6166% | 5,373 |
| Memoranda: | ||
| Average total assets | $516,841,000 | 1,306 |
| Average earning assets | $493,047,500 | 1,245 |
| Average equity | $42,757,500 | 1,555 |
| Average total loans | $384,191,000 | 1,144 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0027% | 4,544 |
| Cost of funding earning assets | 1.1549% | 4,820 |
| Net interest margin | 3.8478% | 3,742 |
| Noninterest income to average assets | 0.2351% | 6,119 |
| Noninterest expense to average assets | 2.3876% | 6,117 |
| Loan and lease loss provision to assets | 0.2679% | 4,661 |
| Net operating income to assets | 0.9257% | 2,291 |
| Return on assets (ROA) | 1.0196% | 2,080 |
| Pretax return on assets | 1.4489% | 1,513 |
| Return on Equity (ROE) | 12.2630% | 1,264 |
| Retained earnings to average equity (ytd only) | 10.3834% | 453 |
| Net charge-offs to loans | 0.3258% | 4,387 |
| Credit loss provision to net charge-offs | 109.1964% | 4,040 |
| Earnings coverage of net charge-offs (x) | 6.4515% | 2,357 |
| Efficiency ratio | 60.1382% | 6,024 |
| Assets per employee ($millions) | 8.2928% | 433 |
| Cash dividends to net income (ytd only)* | 15.3279% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 6,552 |
| Loan loss allowance to noncurrent loans | 124.2546% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 1.1775% | 4,658 |
| Noncurrent loans to loans | 0.7690% | 5,511 |
| Net loans and leases to total assets | 74.7745% | 1,526 |
| Net loans and leases to deposits | 92.4880% | 1,207 |
| Net loans and leases to core deposits | 96.4242% | 1,954 |
| Total domestic deposits to total assets | 80.8478% | 5,571 |
| Equity capital to assets | 8.1703% | 6,295 |
| Core capital (leverage) ratio | 8.1381% | 5,931 |
| Tier 1 risk-based capital ratio | 11.8976% | 5,571 |
| Total risk-based capital ratio | 12.9555% | 5,725 |
| Memoranda: | ||
| Average total assets | $492,043,000 | 1,365 |
| Average earning assets | $477,624,400 | 1,284 |
| Average equity | $40,911,600 | 1,620 |
| Average total loans | $370,431,400 | 1,225 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0160% | 4,738 |
| Cost of funding earning assets | 1.2112% | 4,798 |
| Net interest margin | 3.8047% | 3,953 |
| Noninterest income to average assets | 0.2308% | 6,245 |
| Noninterest expense to average assets | 2.3755% | 6,097 |
| Loan and lease loss provision to assets | 0.2283% | 4,789 |
| Net operating income to assets | 0.9373% | 2,465 |
| Return on assets (ROA) | 0.9373% | 2,601 |
| Pretax return on assets | 1.3270% | 2,100 |
| Return on Equity (ROE) | 11.2209% | 1,722 |
| Retained earnings to average equity (ytd only) | 9.6165% | 889 |
| Net charge-offs to loans | 0.1712% | 4,939 |
| Credit loss provision to net charge-offs | 177.2340% | 2,076 |
| Earnings coverage of net charge-offs (x) | 12.0745% | 1,725 |
| Efficiency ratio | 60.4337% | 5,885 |
| Assets per employee ($millions) | 8.2632% | 462 |
| Cash dividends to net income (ytd only)* | 14.2982% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 6,237 |
| Loan loss allowance to noncurrent loans | 61.1360% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.2646% | 4,618 |
| Noncurrent loans to loans | 1.6945% | 4,095 |
| Net loans and leases to total assets | 73.8603% | 1,833 |
| Net loans and leases to deposits | 91.8324% | 1,470 |
| Net loans and leases to core deposits | 96.0180% | 2,257 |
| Total domestic deposits to total assets | 80.4295% | 5,567 |
| Equity capital to assets | 8.3454% | 6,462 |
| Core capital (leverage) ratio | 7.9703% | 6,391 |
| Tier 1 risk-based capital ratio | 11.7908% | 5,650 |
| Total risk-based capital ratio | 12.9470% | 5,705 |
| Memoranda: | ||
| Average total assets | $486,515,250 | 1,397 |
| Average earning assets | $473,117,750 | 1,309 |
| Average equity | $40,637,500 | 1,637 |
| Average total loans | $365,998,000 | 1,245 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0484% | 4,712 |
| Cost of funding earning assets | 1.2728% | 4,699 |
| Net interest margin | 3.7755% | 4,017 |
| Noninterest income to average assets | 0.2281% | 6,283 |
| Noninterest expense to average assets | 2.4055% | 6,060 |
| Loan and lease loss provision to assets | 0.2021% | 4,853 |
| Net operating income to assets | 0.9110% | 2,514 |
| Return on assets (ROA) | 0.9110% | 2,621 |
| Pretax return on assets | 1.2923% | 2,113 |
| Return on Equity (ROE) | 10.9036% | 1,783 |
| Retained earnings to average equity (ytd only) | 8.8050% | 1,175 |
| Net charge-offs to loans | 0.0261% | 5,973 |
| Credit loss provision to net charge-offs | 1,027.6596% | 362 |
| Earnings coverage of net charge-offs (x) | 75.9787% | 414 |
| Efficiency ratio | 61.6804% | 5,741 |
| Assets per employee ($millions) | 7.9424% | 516 |
| Cash dividends to net income (ytd only)* | 19.2467% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 6,017 |
| Loan loss allowance to noncurrent loans | 56.9935% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 1.4374% | 4,313 |
| Noncurrent loans to loans | 1.9018% | 3,865 |
| Net loans and leases to total assets | 74.7605% | 1,747 |
| Net loans and leases to deposits | 90.4974% | 1,771 |
| Net loans and leases to core deposits | 96.9976% | 2,332 |
| Total domestic deposits to total assets | 82.6106% | 4,732 |
| Equity capital to assets | 8.2900% | 6,437 |
| Core capital (leverage) ratio | 8.0896% | 6,137 |
| Tier 1 risk-based capital ratio | 11.5558% | 5,714 |
| Total risk-based capital ratio | 12.7444% | 5,744 |
| Memoranda: | ||
| Average total assets | $477,913,330 | 1,432 |
| Average earning assets | $464,784,330 | 1,338 |
| Average equity | $39,931,670 | 1,670 |
| Average total loans | $360,543,000 | 1,270 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 4,736 |
| Cost of funding earning assets | 1.3359% | 4,590 |
| Net interest margin | 3.7235% | 4,131 |
| Noninterest income to average assets | 0.2142% | 6,432 |
| Noninterest expense to average assets | 2.3584% | 6,214 |
| Loan and lease loss provision to assets | 0.1530% | 5,006 |
| Net operating income to assets | 0.9323% | 2,420 |
| Return on assets (ROA) | 0.9323% | 2,489 |
| Pretax return on assets | 1.3224% | 1,993 |
| Return on Equity (ROE) | 11.1127% | 1,753 |
| Retained earnings to average equity (ytd only) | 11.1127% | 897 |
| Net charge-offs to loans | 0.0541% | 4,863 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 36.1667% | 757 |
| Efficiency ratio | 61.5163% | 5,910 |
| Assets per employee ($millions) | 7.8033% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 6,293 |
| Loan loss allowance to noncurrent loans | 82.4674% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.9502% | 5,250 |
| Noncurrent loans to loans | 1.2580% | 4,880 |
| Net loans and leases to total assets | 74.7495% | 1,796 |
| Net loans and leases to deposits | 91.6695% | 1,661 |
| Net loans and leases to core deposits | 98.7771% | 2,265 |
| Total domestic deposits to total assets | 81.5424% | 5,252 |
| Equity capital to assets | 8.4296% | 6,110 |
| Core capital (leverage) ratio | 8.2010% | 5,904 |
| Tier 1 risk-based capital ratio | 11.7103% | 5,483 |
| Total risk-based capital ratio | 12.8431% | 5,556 |
| Memoranda: | ||
| Average total assets | $470,657,000 | 1,490 |
| Average earning assets | $457,528,000 | 1,385 |
| Average equity | $39,486,500 | 1,703 |
| Average total loans | $354,727,500 | 1,333 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2824% | 5,276 |
| Cost of funding earning assets | 2.0774% | 2,585 |
| Net interest margin | 3.2049% | 6,072 |
| Noninterest income to average assets | 0.1961% | 6,692 |
| Noninterest expense to average assets | 2.2121% | 6,961 |
| Loan and lease loss provision to assets | 0.1579% | 6,097 |
| Net operating income to assets | 0.6451% | 3,157 |
| Return on assets (ROA) | 0.6721% | 3,106 |
| Pretax return on assets | 0.9699% | 2,689 |
| Return on Equity (ROE) | 8.3765% | 2,245 |
| Retained earnings to average equity (ytd only) | 8.3765% | 612 |
| Net charge-offs to loans | 0.0107% | 7,084 |
| Credit loss provision to net charge-offs | 1,950.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 134.4722% | 215 |
| Efficiency ratio | 67.0187% | 5,177 |
| Assets per employee ($millions) | 8.1634% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 6,227 |
| Loan loss allowance to noncurrent loans | 75.9713% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.0178% | 5,076 |
| Noncurrent loans to loans | 1.3535% | 4,663 |
| Net loans and leases to total assets | 74.4270% | 2,158 |
| Net loans and leases to deposits | 90.7148% | 2,099 |
| Net loans and leases to core deposits | 105.9257% | 3,349 |
| Total domestic deposits to total assets | 82.0451% | 4,928 |
| Equity capital to assets | 8.3488% | 6,126 |
| Core capital (leverage) ratio | 8.0549% | 6,076 |
| Tier 1 risk-based capital ratio | 11.6884% | 5,209 |
| Total risk-based capital ratio | 12.8110% | 5,295 |
| Memoranda: | ||
| Average total assets | $444,699,200 | 1,564 |
| Average earning assets | $430,773,600 | 1,473 |
| Average equity | $35,683,200 | 1,888 |
| Average total loans | $337,716,000 | 1,429 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3117% | 5,365 |
| Cost of funding earning assets | 2.2368% | 2,246 |
| Net interest margin | 3.0749% | 6,386 |
| Noninterest income to average assets | 0.1832% | 6,914 |
| Noninterest expense to average assets | 2.1291% | 7,134 |
| Loan and lease loss provision to assets | 0.1705% | 5,658 |
| Net operating income to assets | 0.5936% | 3,623 |
| Return on assets (ROA) | 0.5936% | 3,687 |
| Pretax return on assets | 0.8597% | 3,359 |
| Return on Equity (ROE) | 7.4781% | 2,874 |
| Retained earnings to average equity (ytd only) | 7.4781% | 1,321 |
| Net charge-offs to loans | 0.0060% | 6,878 |
| Credit loss provision to net charge-offs | 3,746.6667% | 110 |
| Earnings coverage of net charge-offs (x) | 226.3945% | 172 |
| Efficiency ratio | 67.3932% | 5,103 |
| Assets per employee ($millions) | 8.2482% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 6,300 |
| Loan loss allowance to noncurrent loans | 350.0000% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 6,980 |
| Noncurrent loans to loans | 0.2854% | 6,798 |
| Net loans and leases to total assets | 74.6439% | 2,327 |
| Net loans and leases to deposits | 92.4055% | 2,168 |
| Net loans and leases to core deposits | 110.1161% | 3,223 |
| Total domestic deposits to total assets | 80.7786% | 5,162 |
| Equity capital to assets | 8.3302% | 6,467 |
| Core capital (leverage) ratio | 8.0289% | 6,310 |
| Tier 1 risk-based capital ratio | 11.4716% | 5,459 |
| Total risk-based capital ratio | 12.5670% | 5,568 |
| Memoranda: | ||
| Average total assets | $439,545,250 | 1,585 |
| Average earning assets | $425,418,250 | 1,501 |
| Average equity | $34,892,000 | 1,945 |
| Average total loans | $334,665,500 | 1,464 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2999% | 5,659 |
| Cost of funding earning assets | 2.4091% | 1,931 |
| Net interest margin | 2.8908% | 6,822 |
| Noninterest income to average assets | 0.1819% | 6,992 |
| Noninterest expense to average assets | 2.1370% | 7,196 |
| Loan and lease loss provision to assets | 0.1699% | 5,367 |
| Net operating income to assets | 0.4619% | 4,245 |
| Return on assets (ROA) | 0.4619% | 4,358 |
| Pretax return on assets | 0.6725% | 4,091 |
| Return on Equity (ROE) | 5.9234% | 3,688 |
| Retained earnings to average equity (ytd only) | 5.9234% | 2,061 |
| Net charge-offs to loans | 0.0091% | 6,440 |
| Credit loss provision to net charge-offs | 2,446.6667% | 217 |
| Earnings coverage of net charge-offs (x) | 121.3333% | 318 |
| Efficiency ratio | 71.7260% | 4,471 |
| Assets per employee ($millions) | 8.6901% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 6,481 |
| Loan loss allowance to noncurrent loans | 601.4652% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 7,261 |
| Noncurrent loans to loans | 0.1602% | 7,124 |
| Net loans and leases to total assets | 74.6951% | 2,518 |
| Net loans and leases to deposits | 92.4212% | 2,390 |
| Net loans and leases to core deposits | 112.7307% | 3,053 |
| Total domestic deposits to total assets | 80.8203% | 5,141 |
| Equity capital to assets | 7.8212% | 6,956 |
| Core capital (leverage) ratio | 7.6846% | 6,780 |
| Tier 1 risk-based capital ratio | 10.9247% | 5,962 |
| Total risk-based capital ratio | 11.9728% | 6,107 |
| Memoranda: | ||
| Average total assets | $432,094,670 | 1,635 |
| Average earning assets | $418,159,670 | 1,550 |
| Average equity | $33,697,000 | 2,015 |
| Average total loans | $330,135,000 | 1,511 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2704% | 6,026 |
| Cost of funding earning assets | 2.5650% | 1,677 |
| Net interest margin | 2.7053% | 7,194 |
| Noninterest income to average assets | 0.1762% | 7,045 |
| Noninterest expense to average assets | 2.1099% | 7,095 |
| Loan and lease loss provision to assets | 0.1630% | 4,852 |
| Net operating income to assets | 0.3420% | 5,106 |
| Return on assets (ROA) | 0.3420% | 5,289 |
| Pretax return on assets | 0.5154% | 5,037 |
| Return on Equity (ROE) | 4.3925% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.3925% | 3,472 |
| Net charge-offs to loans | 0.0185% | 5,310 |
| Credit loss provision to net charge-offs | 1,146.6667% | 555 |
| Earnings coverage of net charge-offs (x) | 47.7333% | 756 |
| Efficiency ratio | 75.6711% | 3,541 |
| Assets per employee ($millions) | 9.0693% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 6,578 |
| Loan loss allowance to noncurrent loans | 459.6726% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 7,125 |
| Noncurrent loans to loans | 0.2036% | 6,950 |
| Net loans and leases to total assets | 72.0932% | 3,225 |
| Net loans and leases to deposits | 93.2966% | 2,385 |
| Net loans and leases to core deposits | 113.6364% | 3,043 |
| Total domestic deposits to total assets | 77.2731% | 6,212 |
| Equity capital to assets | 7.5131% | 7,347 |
| Core capital (leverage) ratio | 8.0147% | 6,422 |
| Tier 1 risk-based capital ratio | 10.6935% | 6,191 |
| Total risk-based capital ratio | 11.6955% | 6,361 |
| Memoranda: | ||
| Average total assets | $422,199,500 | 1,690 |
| Average earning assets | $407,637,500 | 1,598 |
| Average equity | $32,874,000 | 2,059 |
| Average total loans | $324,792,500 | 1,545 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9452% | 5,827 |
| Cost of funding earning assets | 3.1818% | 1,249 |
| Net interest margin | 2.7634% | 7,389 |
| Noninterest income to average assets | 0.1834% | 7,134 |
| Noninterest expense to average assets | 2.2164% | 6,926 |
| Loan and lease loss provision to assets | 0.1191% | 5,842 |
| Net operating income to assets | 0.3305% | 5,443 |
| Return on assets (ROA) | 0.3305% | 5,263 |
| Pretax return on assets | 0.5137% | 4,938 |
| Return on Equity (ROE) | 4.0598% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.0598% | 2,602 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7908% | 2,952 |
| Assets per employee ($millions) | 7.6654% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9175% | 6,583 |
| Loan loss allowance to noncurrent loans | 357.9976% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 6,734 |
| Noncurrent loans to loans | 0.2563% | 6,612 |
| Net loans and leases to total assets | 80.9974% | 1,437 |
| Net loans and leases to deposits | 102.9094% | 1,483 |
| Net loans and leases to core deposits | 130.6562% | 1,807 |
| Total domestic deposits to total assets | 78.7075% | 5,480 |
| Equity capital to assets | 8.1034% | 6,690 |
| Core capital (leverage) ratio | 8.0485% | 6,408 |
| Tier 1 risk-based capital ratio | 10.7186% | 5,985 |
| Total risk-based capital ratio | 11.7421% | 6,097 |
| Memoranda: | ||
| Average total assets | $360,316,600 | 1,861 |
| Average earning assets | $347,574,200 | 1,779 |
| Average equity | $29,336,200 | 2,305 |
| Average total loans | $300,454,600 | 1,607 |