Home > ESB Financial > Performance and Condition Ratios
ESB Financial, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1817% | 3,655 |
| Cost of funding earning assets | 1.3356% | 2,405 |
| Net interest margin | 2.8461% | 3,577 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.8019% | 1,490 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6999% | 3,199 |
| Return on assets (ROA) | 0.6036% | 3,424 |
| Pretax return on assets | 0.6380% | 3,566 |
| Return on Equity (ROE) | 8.7300% | 2,821 |
| Retained earnings to average equity (ytd only) | 4.2886% | 2,867 |
| Net charge-offs to loans | 0.0181% | 1,998 |
| Credit loss provision to net charge-offs | 81.0811% | 2,014 |
| Earnings coverage of net charge-offs (x) | 67.6757% | 1,118 |
| Efficiency ratio | 78.9226% | 995 |
| Assets per employee ($millions) | 5.4941% | 3,258 |
| Cash dividends to net income (ytd only)* | 50.8911% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,174 |
| Loan loss allowance to noncurrent loans | 803.7618% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 2,882 |
| Noncurrent loans to loans | 0.1519% | 2,754 |
| Net loans and leases to total assets | 61.9100% | 2,683 |
| Net loans and leases to deposits | 69.7567% | 2,902 |
| Net loans and leases to core deposits | 72.5561% | 3,152 |
| Total domestic deposits to total assets | 88.7500% | 1,138 |
| Equity capital to assets | 7.2618% | 3,839 |
| Core capital (leverage) ratio | 8.9271% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3123% | 1,754 |
| Memoranda: | ||
| Average total assets | $334,631,600 | 2,249 |
| Average earning assets | $317,696,600 | 2,215 |
| Average equity | $23,131,000 | 2,621 |
| Average total loans | $204,679,200 | 2,254 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0291% | 3,800 |
| Cost of funding earning assets | 1.2078% | 2,407 |
| Net interest margin | 2.8214% | 3,695 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 2.6594% | 1,773 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8315% | 2,928 |
| Return on assets (ROA) | 0.8323% | 2,911 |
| Pretax return on assets | 0.8701% | 3,174 |
| Return on Equity (ROE) | 12.1900% | 2,075 |
| Retained earnings to average equity (ytd only) | 6.9207% | 2,318 |
| Net charge-offs to loans | 0.0256% | 1,562 |
| Credit loss provision to net charge-offs | 58.9744% | 1,862 |
| Earnings coverage of net charge-offs (x) | 56.5128% | 1,241 |
| Efficiency ratio | 75.1690% | 1,254 |
| Assets per employee ($millions) | 5.5878% | 3,108 |
| Cash dividends to net income (ytd only)* | 43.2471% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,125 |
| Loan loss allowance to noncurrent loans | 44.0517% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.7300% | 184 |
| Noncurrent loans to loans | 2.8293% | 152 |
| Net loans and leases to total assets | 60.3800% | 2,801 |
| Net loans and leases to deposits | 67.5613% | 3,009 |
| Net loans and leases to core deposits | 70.3302% | 3,193 |
| Total domestic deposits to total assets | 89.3700% | 1,129 |
| Equity capital to assets | 6.7167% | 3,745 |
| Core capital (leverage) ratio | 9.0515% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4023% | 1,752 |
| Memoranda: | ||
| Average total assets | $334,504,750 | 2,250 |
| Average earning assets | $317,379,250 | 2,218 |
| Average equity | $22,829,500 | 2,633 |
| Average total loans | $203,338,000 | 2,266 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9109% | 3,847 |
| Cost of funding earning assets | 0.9952% | 2,616 |
| Net interest margin | 2.9157% | 3,620 |
| Noninterest income to average assets | 0.8300% | 808 |
| Noninterest expense to average assets | 2.5616% | 2,032 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9921% | 2,443 |
| Return on assets (ROA) | 0.9927% | 2,429 |
| Pretax return on assets | 1.0220% | 2,854 |
| Return on Equity (ROE) | 14.4700% | 1,582 |
| Retained earnings to average equity (ytd only) | 7.6745% | 2,078 |
| Net charge-offs to loans | 0.0355% | 1,191 |
| Credit loss provision to net charge-offs | 41.6667% | 1,706 |
| Earnings coverage of net charge-offs (x) | 47.8333% | 1,308 |
| Efficiency ratio | 71.3143% | 1,630 |
| Assets per employee ($millions) | 5.5524% | 3,103 |
| Cash dividends to net income (ytd only)* | 46.9560% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 2,318 |
| Loan loss allowance to noncurrent loans | 40.9507% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.8692% | 153 |
| Noncurrent loans to loans | 2.9911% | 142 |
| Net loans and leases to total assets | 61.7300% | 2,600 |
| Net loans and leases to deposits | 70.2310% | 2,766 |
| Net loans and leases to core deposits | 72.7600% | 2,973 |
| Total domestic deposits to total assets | 87.8900% | 1,647 |
| Equity capital to assets | 7.0060% | 3,797 |
| Core capital (leverage) ratio | 9.1911% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0066% | 1,895 |
| Memoranda: | ||
| Average total assets | $334,250,667 | 2,259 |
| Average earning assets | $317,114,333 | 2,231 |
| Average equity | $22,933,000 | 2,630 |
| Average total loans | $202,785,000 | 2,269 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8390% | 3,781 |
| Cost of funding earning assets | 0.8388% | 2,574 |
| Net interest margin | 3.0002% | 3,597 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 2.4982% | 2,247 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.1637% | 2,038 |
| Return on assets (ROA) | 1.1649% | 1,999 |
| Pretax return on assets | 1.1971% | 2,427 |
| Return on Equity (ROE) | 17.1600% | 1,146 |
| Retained earnings to average equity (ytd only) | 5.6490% | 2,858 |
| Net charge-offs to loans | 0.0440% | 919 |
| Credit loss provision to net charge-offs | 36.3636% | 1,327 |
| Earnings coverage of net charge-offs (x) | 45.8636% | 1,133 |
| Efficiency ratio | 67.4516% | 2,041 |
| Assets per employee ($millions) | 5.4171% | 3,298 |
| Cash dividends to net income (ytd only)* | 67.0769% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 2,065 |
| Loan loss allowance to noncurrent loans | 40.2266% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.9229% | 132 |
| Noncurrent loans to loans | 3.2144% | 131 |
| Net loans and leases to total assets | 59.0500% | 2,765 |
| Net loans and leases to deposits | 64.5085% | 3,045 |
| Net loans and leases to core deposits | 66.5130% | 3,188 |
| Total domestic deposits to total assets | 91.5300% | 642 |
| Equity capital to assets | 7.0199% | 3,819 |
| Core capital (leverage) ratio | 8.9111% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8805% | 2,008 |
| Memoranda: | ||
| Average total assets | $334,803,500 | 2,287 |
| Average earning assets | $317,583,000 | 2,267 |
| Average equity | $22,729,500 | 2,664 |
| Average total loans | $200,085,000 | 2,302 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2522% | 3,704 |
| Cost of funding earning assets | 0.6250% | 809 |
| Net interest margin | 2.6272% | 4,139 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 2.5135% | 2,065 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7915% | 3,356 |
| Return on assets (ROA) | 0.7100% | 3,534 |
| Pretax return on assets | 0.7410% | 3,765 |
| Return on Equity (ROE) | 10.8700% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.9953% | 1,483 |
| Net charge-offs to loans | 0.0296% | 1,475 |
| Credit loss provision to net charge-offs | 57.8947% | 1,789 |
| Earnings coverage of net charge-offs (x) | 51.5965% | 1,338 |
| Efficiency ratio | 75.0572% | 1,112 |
| Assets per employee ($millions) | 5.5548% | 3,161 |
| Cash dividends to net income (ytd only)* | 17.2400% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 2,047 |
| Loan loss allowance to noncurrent loans | 67.6935% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 356 |
| Noncurrent loans to loans | 1.8756% | 309 |
| Net loans and leases to total assets | 59.0000% | 2,732 |
| Net loans and leases to deposits | 64.1118% | 3,033 |
| Net loans and leases to core deposits | 65.9888% | 3,133 |
| Total domestic deposits to total assets | 92.0300% | 632 |
| Equity capital to assets | 6.5700% | 3,874 |
| Core capital (leverage) ratio | 8.4620% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9161% | 2,008 |
| Memoranda: | ||
| Average total assets | $352,101,400 | 2,219 |
| Average earning assets | $334,577,400 | 2,182 |
| Average equity | $23,000,800 | 2,703 |
| Average total loans | $192,870,600 | 2,287 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0344% | 3,822 |
| Cost of funding earning assets | 0.5732% | 506 |
| Net interest margin | 2.4612% | 4,250 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 2.3709% | 2,415 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8043% | 3,243 |
| Return on assets (ROA) | 0.8054% | 3,201 |
| Pretax return on assets | 0.8309% | 3,507 |
| Return on Equity (ROE) | 12.3500% | 1,928 |
| Retained earnings to average equity (ytd only) | 10.4718% | 1,204 |
| Net charge-offs to loans | 0.0406% | 1,087 |
| Credit loss provision to net charge-offs | 43.1034% | 1,553 |
| Earnings coverage of net charge-offs (x) | 38.5690% | 1,406 |
| Efficiency ratio | 73.8577% | 1,292 |
| Assets per employee ($millions) | 5.8555% | 2,891 |
| Cash dividends to net income (ytd only)* | 15.1840% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 1,917 |
| Loan loss allowance to noncurrent loans | 65.8524% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 394 |
| Noncurrent loans to loans | 2.0104% | 305 |
| Net loans and leases to total assets | 54.3300% | 3,066 |
| Net loans and leases to deposits | 58.5263% | 3,310 |
| Net loans and leases to core deposits | 60.3704% | 3,357 |
| Total domestic deposits to total assets | 92.8300% | 624 |
| Equity capital to assets | 5.8478% | 4,017 |
| Core capital (leverage) ratio | 8.1548% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8574% | 2,109 |
| Memoranda: | ||
| Average total assets | $355,416,250 | 2,216 |
| Average earning assets | $337,767,000 | 2,174 |
| Average equity | $23,185,500 | 2,727 |
| Average total loans | $190,464,750 | 2,306 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8442% | 3,907 |
| Cost of funding earning assets | 0.5165% | 472 |
| Net interest margin | 2.3277% | 4,304 |
| Noninterest income to average assets | 0.7904% | 1,069 |
| Noninterest expense to average assets | 2.3258% | 2,473 |
| Loan and lease loss provision to assets | 0.0090% | 2,434 |
| Net operating income to assets | 0.6604% | 3,439 |
| Return on assets (ROA) | 0.6609% | 3,386 |
| Pretax return on assets | 0.6766% | 3,638 |
| Return on Equity (ROE) | 9.7982% | 2,404 |
| Retained earnings to average equity (ytd only) | 7.9615% | 1,635 |
| Net charge-offs to loans | 0.0306% | 1,109 |
| Credit loss provision to net charge-offs | 55.1724% | 1,474 |
| Earnings coverage of net charge-offs (x) | 42.1379% | 1,235 |
| Efficiency ratio | 77.2482% | 1,153 |
| Assets per employee ($millions) | 6.0024% | 2,742 |
| Cash dividends to net income (ytd only)* | 18.7447% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 2,163 |
| Loan loss allowance to noncurrent loans | 64.9723% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.1222% | 393 |
| Noncurrent loans to loans | 2.0104% | 325 |
| Net loans and leases to total assets | 55.0888% | 2,845 |
| Net loans and leases to deposits | 59.6034% | 3,084 |
| Net loans and leases to core deposits | 61.5209% | 3,156 |
| Total domestic deposits to total assets | 92.4256% | 685 |
| Equity capital to assets | 6.2791% | 4,105 |
| Core capital (leverage) ratio | 7.9287% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4390% | 2,314 |
| Memoranda: | ||
| Average total assets | $356,778,000 | 2,216 |
| Average earning assets | $340,339,667 | 2,183 |
| Average equity | $24,065,667 | 2,744 |
| Average total loans | $189,471,333 | 2,305 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6940% | 3,961 |
| Cost of funding earning assets | 0.4697% | 585 |
| Net interest margin | 2.2243% | 4,318 |
| Noninterest income to average assets | 0.7830% | 1,083 |
| Noninterest expense to average assets | 2.2016% | 2,835 |
| Loan and lease loss provision to assets | 0.0089% | 2,159 |
| Net operating income to assets | 0.6803% | 3,128 |
| Return on assets (ROA) | 0.6803% | 3,116 |
| Pretax return on assets | 0.6937% | 3,413 |
| Return on Equity (ROE) | 9.7518% | 2,069 |
| Retained earnings to average equity (ytd only) | 7.8943% | 1,616 |
| Net charge-offs to loans | 0.0475% | 816 |
| Credit loss provision to net charge-offs | 36.3636% | 1,239 |
| Earnings coverage of net charge-offs (x) | 28.5909% | 1,154 |
| Efficiency ratio | 75.8077% | 1,551 |
| Assets per employee ($millions) | 6.0772% | 2,738 |
| Cash dividends to net income (ytd only)* | 19.0476% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 1,998 |
| Loan loss allowance to noncurrent loans | 64.5250% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.1156% | 416 |
| Noncurrent loans to loans | 2.1345% | 325 |
| Net loans and leases to total assets | 51.5443% | 3,025 |
| Net loans and leases to deposits | 56.3961% | 3,230 |
| Net loans and leases to core deposits | 58.4878% | 3,273 |
| Total domestic deposits to total assets | 91.3968% | 851 |
| Equity capital to assets | 6.4980% | 4,427 |
| Core capital (leverage) ratio | 7.5901% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1230% | 2,147 |
| Memoranda: | ||
| Average total assets | $358,096,500 | 2,216 |
| Average earning assets | $341,505,000 | 2,179 |
| Average equity | $24,980,000 | 2,777 |
| Average total loans | $185,370,000 | 2,335 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8791% | 4,090 |
| Cost of funding earning assets | 0.5021% | 922 |
| Net interest margin | 2.3769% | 4,346 |
| Noninterest income to average assets | 0.8582% | 1,306 |
| Noninterest expense to average assets | 2.5500% | 2,025 |
| Loan and lease loss provision to assets | 0.0388% | 2,271 |
| Net operating income to assets | 0.5053% | 4,074 |
| Return on assets (ROA) | 0.5067% | 4,119 |
| Pretax return on assets | 0.5307% | 4,206 |
| Return on Equity (ROE) | 6.3264% | 3,699 |
| Retained earnings to average equity (ytd only) | 3.6441% | 3,360 |
| Net charge-offs to loans | 0.0147% | 2,020 |
| Credit loss provision to net charge-offs | 503.8462% | 794 |
| Earnings coverage of net charge-offs (x) | 73.7308% | 1,046 |
| Efficiency ratio | 81.7810% | 696 |
| Assets per employee ($millions) | 6.0617% | 2,703 |
| Cash dividends to net income (ytd only)* | 42.3977% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 1,863 |
| Loan loss allowance to noncurrent loans | 67.6225% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.0726% | 492 |
| Noncurrent loans to loans | 2.0922% | 367 |
| Net loans and leases to total assets | 50.5401% | 3,220 |
| Net loans and leases to deposits | 55.9511% | 3,419 |
| Net loans and leases to core deposits | 57.9217% | 3,482 |
| Total domestic deposits to total assets | 90.3291% | 793 |
| Equity capital to assets | 7.4547% | 4,608 |
| Core capital (leverage) ratio | 7.6452% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0431% | 2,229 |
| Memoranda: | ||
| Average total assets | $337,456,400 | 2,261 |
| Average earning assets | $320,833,600 | 2,225 |
| Average equity | $27,029,800 | 2,722 |
| Average total loans | $176,787,000 | 2,407 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9468% | 4,087 |
| Cost of funding earning assets | 0.5152% | 975 |
| Net interest margin | 2.4316% | 4,362 |
| Noninterest income to average assets | 0.8724% | 1,318 |
| Noninterest expense to average assets | 2.4583% | 2,247 |
| Loan and lease loss provision to assets | 0.0496% | 2,005 |
| Net operating income to assets | 0.6374% | 3,933 |
| Return on assets (ROA) | 0.6390% | 3,989 |
| Pretax return on assets | 0.6755% | 4,112 |
| Return on Equity (ROE) | 7.8311% | 3,453 |
| Retained earnings to average equity (ytd only) | 4.8963% | 3,257 |
| Net charge-offs to loans | 0.0053% | 2,138 |
| Credit loss provision to net charge-offs | 1,771.4286% | 355 |
| Earnings coverage of net charge-offs (x) | 257.7143% | 474 |
| Efficiency ratio | 77.2595% | 938 |
| Assets per employee ($millions) | 5.9755% | 2,720 |
| Cash dividends to net income (ytd only)* | 37.4765% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 1,671 |
| Loan loss allowance to noncurrent loans | 66.8633% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.1447% | 534 |
| Noncurrent loans to loans | 2.2293% | 367 |
| Net loans and leases to total assets | 50.5835% | 3,336 |
| Net loans and leases to deposits | 56.3976% | 3,547 |
| Net loans and leases to core deposits | 58.3978% | 3,593 |
| Total domestic deposits to total assets | 89.6909% | 918 |
| Equity capital to assets | 8.0417% | 4,501 |
| Core capital (leverage) ratio | 7.9417% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6978% | 2,470 |
| Memoranda: | ||
| Average total assets | $332,410,750 | 2,303 |
| Average earning assets | $315,727,000 | 2,271 |
| Average equity | $27,122,000 | 2,744 |
| Average total loans | $175,147,500 | 2,461 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9587% | 4,117 |
| Cost of funding earning assets | 0.5202% | 1,093 |
| Net interest margin | 2.4385% | 4,385 |
| Noninterest income to average assets | 0.9294% | 1,198 |
| Noninterest expense to average assets | 2.4521% | 2,300 |
| Loan and lease loss provision to assets | 0.0716% | 1,629 |
| Net operating income to assets | 0.6838% | 3,798 |
| Return on assets (ROA) | 0.6849% | 3,862 |
| Pretax return on assets | 0.7219% | 4,022 |
| Return on Equity (ROE) | 8.3529% | 3,300 |
| Retained earnings to average equity (ytd only) | 4.8756% | 3,231 |
| Net charge-offs to loans | -0.0046% | 3,407 |
| Credit loss provision to net charge-offs | -2,950.0000% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5797% | 1,123 |
| Assets per employee ($millions) | 6.6448% | 2,059 |
| Cash dividends to net income (ytd only)* | 41.6298% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 1,646 |
| Loan loss allowance to noncurrent loans | 50.7283% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.5194% | 366 |
| Noncurrent loans to loans | 2.9259% | 254 |
| Net loans and leases to total assets | 51.1590% | 3,433 |
| Net loans and leases to deposits | 57.0343% | 3,634 |
| Net loans and leases to core deposits | 59.0802% | 3,681 |
| Total domestic deposits to total assets | 89.6985% | 926 |
| Equity capital to assets | 8.0225% | 4,518 |
| Core capital (leverage) ratio | 7.9701% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0923% | 2,332 |
| Memoranda: | ||
| Average total assets | $329,680,667 | 2,310 |
| Average earning assets | $312,977,667 | 2,274 |
| Average equity | $27,032,667 | 2,735 |
| Average total loans | $175,231,667 | 2,471 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0358% | 4,012 |
| Cost of funding earning assets | 0.5215% | 1,262 |
| Net interest margin | 2.5143% | 4,277 |
| Noninterest income to average assets | 1.0484% | 1,061 |
| Noninterest expense to average assets | 2.4351% | 2,381 |
| Loan and lease loss provision to assets | 0.1366% | 987 |
| Net operating income to assets | 0.8232% | 3,345 |
| Return on assets (ROA) | 0.8232% | 3,423 |
| Pretax return on assets | 0.8613% | 3,691 |
| Return on Equity (ROE) | 9.9275% | 2,711 |
| Retained earnings to average equity (ytd only) | 4.8524% | 3,272 |
| Net charge-offs to loans | -0.0343% | 4,233 |
| Credit loss provision to net charge-offs | -740.0000% | 3,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9319% | 1,607 |
| Assets per employee ($millions) | 6.6047% | 2,092 |
| Cash dividends to net income (ytd only)* | 51.1211% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 1,625 |
| Loan loss allowance to noncurrent loans | 65.7868% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.3089% | 534 |
| Noncurrent loans to loans | 2.2728% | 435 |
| Net loans and leases to total assets | 51.1850% | 3,525 |
| Net loans and leases to deposits | 57.0546% | 3,712 |
| Net loans and leases to core deposits | 58.9125% | 3,772 |
| Total domestic deposits to total assets | 89.7123% | 959 |
| Equity capital to assets | 7.9967% | 4,490 |
| Core capital (leverage) ratio | 8.0467% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5937% | 2,449 |
| Memoranda: | ||
| Average total assets | $325,079,500 | 2,316 |
| Average earning assets | $308,320,500 | 2,283 |
| Average equity | $26,955,500 | 2,734 |
| Average total loans | $174,857,000 | 2,476 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7032% | 3,568 |
| Cost of funding earning assets | 0.6113% | 2,231 |
| Net interest margin | 3.0919% | 3,649 |
| Noninterest income to average assets | 0.9358% | 1,181 |
| Noninterest expense to average assets | 2.9647% | 1,518 |
| Loan and lease loss provision to assets | 0.1876% | 2,076 |
| Net operating income to assets | 0.6628% | 3,550 |
| Return on assets (ROA) | 0.6753% | 3,635 |
| Pretax return on assets | 0.7040% | 3,875 |
| Return on Equity (ROE) | 7.2049% | 3,123 |
| Retained earnings to average equity (ytd only) | 4.3803% | 2,602 |
| Net charge-offs to loans | 0.0984% | 1,488 |
| Credit loss provision to net charge-offs | 304.5977% | 1,714 |
| Earnings coverage of net charge-offs (x) | 14.2644% | 2,221 |
| Efficiency ratio | 77.1413% | 1,107 |
| Assets per employee ($millions) | 6.1435% | 2,218 |
| Cash dividends to net income (ytd only)* | 39.2034% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 1,866 |
| Loan loss allowance to noncurrent loans | 61.7100% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.4254% | 531 |
| Noncurrent loans to loans | 2.3099% | 458 |
| Net loans and leases to total assets | 54.9585% | 3,393 |
| Net loans and leases to deposits | 61.7963% | 3,620 |
| Net loans and leases to core deposits | 64.0315% | 3,689 |
| Total domestic deposits to total assets | 88.9350% | 1,016 |
| Equity capital to assets | 8.6094% | 4,366 |
| Core capital (leverage) ratio | 8.3248% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7593% | 2,328 |
| Memoranda: | ||
| Average total assets | $282,527,800 | 2,387 |
| Average earning assets | $265,663,200 | 2,365 |
| Average equity | $26,482,000 | 2,714 |
| Average total loans | $176,757,400 | 2,432 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7457% | 3,691 |
| Cost of funding earning assets | 0.6279% | 2,440 |
| Net interest margin | 3.1178% | 3,695 |
| Noninterest income to average assets | 1.2604% | 687 |
| Noninterest expense to average assets | 3.0093% | 1,425 |
| Loan and lease loss provision to assets | 0.1859% | 2,130 |
| Net operating income to assets | 0.9631% | 2,476 |
| Return on assets (ROA) | 0.9814% | 2,543 |
| Pretax return on assets | 1.0110% | 3,030 |
| Return on Equity (ROE) | 10.2329% | 1,944 |
| Retained earnings to average equity (ytd only) | 7.1271% | 1,636 |
| Net charge-offs to loans | 0.1083% | 1,254 |
| Credit loss provision to net charge-offs | 265.9722% | 1,873 |
| Earnings coverage of net charge-offs (x) | 16.8611% | 2,041 |
| Efficiency ratio | 71.8688% | 1,661 |
| Assets per employee ($millions) | 6.0817% | 2,194 |
| Cash dividends to net income (ytd only)* | 30.3510% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,330 |
| Loan loss allowance to noncurrent loans | 46.5385% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.9757% | 335 |
| Noncurrent loans to loans | 2.7155% | 368 |
| Net loans and leases to total assets | 59.7748% | 3,250 |
| Net loans and leases to deposits | 67.3671% | 3,525 |
| Net loans and leases to core deposits | 69.6462% | 3,646 |
| Total domestic deposits to total assets | 88.7300% | 886 |
| Equity capital to assets | 8.7997% | 4,252 |
| Core capital (leverage) ratio | 8.6351% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9353% | 2,639 |
| Memoranda: | ||
| Average total assets | $274,829,750 | 2,404 |
| Average earning assets | $257,996,250 | 2,389 |
| Average equity | $26,358,750 | 2,705 |
| Average total loans | $177,275,250 | 2,430 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8511% | 3,737 |
| Cost of funding earning assets | 0.6558% | 2,659 |
| Net interest margin | 3.1954% | 3,679 |
| Noninterest income to average assets | 1.5328% | 437 |
| Noninterest expense to average assets | 3.1507% | 1,242 |
| Loan and lease loss provision to assets | 0.1901% | 2,122 |
| Net operating income to assets | 1.1519% | 1,790 |
| Return on assets (ROA) | 1.1777% | 1,839 |
| Pretax return on assets | 1.2119% | 2,327 |
| Return on Equity (ROE) | 11.8939% | 1,354 |
| Retained earnings to average equity (ytd only) | 8.2159% | 1,239 |
| Net charge-offs to loans | 0.0207% | 2,309 |
| Credit loss provision to net charge-offs | 1,388.8889% | 634 |
| Earnings coverage of net charge-offs (x) | 100.5000% | 700 |
| Efficiency ratio | 69.6120% | 2,006 |
| Assets per employee ($millions) | 5.8506% | 2,313 |
| Cash dividends to net income (ytd only)* | 30.9232% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 2,314 |
| Loan loss allowance to noncurrent loans | 44.2347% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 2.1382% | 318 |
| Noncurrent loans to loans | 2.7990% | 376 |
| Net loans and leases to total assets | 63.2778% | 2,960 |
| Net loans and leases to deposits | 71.9835% | 3,261 |
| Net loans and leases to core deposits | 74.7193% | 3,397 |
| Total domestic deposits to total assets | 87.9061% | 1,229 |
| Equity capital to assets | 9.0529% | 4,042 |
| Core capital (leverage) ratio | 9.1922% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6717% | 2,745 |
| Memoranda: | ||
| Average total assets | $263,050,000 | 2,460 |
| Average earning assets | $246,420,000 | 2,445 |
| Average equity | $26,047,000 | 2,712 |
| Average total loans | $173,775,000 | 2,441 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0972% | 3,535 |
| Cost of funding earning assets | 0.7336% | 2,763 |
| Net interest margin | 3.3636% | 3,411 |
| Noninterest income to average assets | 1.1476% | 663 |
| Noninterest expense to average assets | 3.0825% | 1,683 |
| Loan and lease loss provision to assets | 0.1924% | 1,563 |
| Net operating income to assets | 0.9748% | 2,263 |
| Return on assets (ROA) | 0.9748% | 2,368 |
| Pretax return on assets | 1.0041% | 2,832 |
| Return on Equity (ROE) | 9.3567% | 1,975 |
| Retained earnings to average equity (ytd only) | 3.9586% | 2,696 |
| Net charge-offs to loans | -0.0024% | 3,685 |
| Credit loss provision to net charge-offs | -11,800.0000% | 3,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0381% | 2,070 |
| Assets per employee ($millions) | 4.8462% | 2,819 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 2,052 |
| Loan loss allowance to noncurrent loans | 41.9944% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 2.6166% | 255 |
| Noncurrent loans to loans | 3.1426% | 328 |
| Net loans and leases to total assets | 68.1607% | 2,515 |
| Net loans and leases to deposits | 79.0807% | 2,767 |
| Net loans and leases to core deposits | 82.5258% | 2,973 |
| Total domestic deposits to total assets | 86.1914% | 1,927 |
| Equity capital to assets | 10.4492% | 3,367 |
| Core capital (leverage) ratio | 10.2842% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,384,500 | 2,520 |
| Average earning assets | $228,447,500 | 2,508 |
| Average equity | $25,564,500 | 2,740 |
| Average total loans | $165,074,500 | 2,488 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 3,790 |
| Cost of funding earning assets | 0.7253% | 3,038 |
| Net interest margin | 3.4846% | 3,497 |
| Noninterest income to average assets | 1.0363% | 898 |
| Noninterest expense to average assets | 3.0945% | 1,779 |
| Loan and lease loss provision to assets | 0.2072% | 974 |
| Net operating income to assets | 0.9432% | 3,048 |
| Return on assets (ROA) | 0.9432% | 3,132 |
| Pretax return on assets | 0.9805% | 3,513 |
| Return on Equity (ROE) | 9.2103% | 2,651 |
| Retained earnings to average equity (ytd only) | 5.0946% | 2,371 |
| Net charge-offs to loans | 0.0623% | 2,209 |
| Credit loss provision to net charge-offs | 504.0816% | 577 |
| Earnings coverage of net charge-offs (x) | 28.8980% | 1,615 |
| Efficiency ratio | 72.2652% | 1,834 |
| Assets per employee ($millions) | 4.7767% | 2,863 |
| Cash dividends to net income (ytd only)* | 44.6865% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 1,754 |
| Loan loss allowance to noncurrent loans | 38.5965% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 2.7220% | 214 |
| Noncurrent loans to loans | 3.4679% | 238 |
| Net loans and leases to total assets | 64.5691% | 3,127 |
| Net loans and leases to deposits | 75.0382% | 3,254 |
| Net loans and leases to core deposits | 78.4967% | 3,418 |
| Total domestic deposits to total assets | 86.0483% | 2,049 |
| Equity capital to assets | 10.3866% | 3,554 |
| Core capital (leverage) ratio | 10.2090% | 3,289 |
| Tier 1 risk-based capital ratio | 12.9752% | 3,802 |
| Total risk-based capital ratio | 14.0808% | 3,768 |
| Memoranda: | ||
| Average total assets | $238,454,200 | 2,532 |
| Average earning assets | $222,119,000 | 2,521 |
| Average equity | $24,418,200 | 2,760 |
| Average total loans | $157,429,000 | 2,540 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 3,762 |
| Cost of funding earning assets | 0.7118% | 3,151 |
| Net interest margin | 3.5536% | 3,395 |
| Noninterest income to average assets | 1.0631% | 811 |
| Noninterest expense to average assets | 3.0611% | 1,802 |
| Loan and lease loss provision to assets | 0.2086% | 844 |
| Net operating income to assets | 1.0687% | 2,693 |
| Return on assets (ROA) | 1.0687% | 2,782 |
| Pretax return on assets | 1.1052% | 3,283 |
| Return on Equity (ROE) | 10.4749% | 2,227 |
| Retained earnings to average equity (ytd only) | 5.8959% | 2,420 |
| Net charge-offs to loans | 0.0671% | 1,866 |
| Credit loss provision to net charge-offs | 469.6203% | 665 |
| Earnings coverage of net charge-offs (x) | 29.5825% | 1,637 |
| Efficiency ratio | 69.9692% | 2,119 |
| Assets per employee ($millions) | 4.7235% | 2,880 |
| Cash dividends to net income (ytd only)* | 43.7138% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 1,974 |
| Loan loss allowance to noncurrent loans | 244.1637% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 1,718 |
| Noncurrent loans to loans | 0.5317% | 2,692 |
| Net loans and leases to total assets | 64.0407% | 3,286 |
| Net loans and leases to deposits | 74.4788% | 3,437 |
| Net loans and leases to core deposits | 76.7532% | 3,643 |
| Total domestic deposits to total assets | 85.9851% | 2,006 |
| Equity capital to assets | 10.4496% | 3,591 |
| Core capital (leverage) ratio | 10.3177% | 3,293 |
| Tier 1 risk-based capital ratio | 13.4014% | 3,633 |
| Total risk-based capital ratio | 14.4946% | 3,622 |
| Memoranda: | ||
| Average total assets | $237,164,750 | 2,560 |
| Average earning assets | $221,028,250 | 2,549 |
| Average equity | $24,197,000 | 2,789 |
| Average total loans | $156,928,250 | 2,576 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2440% | 3,810 |
| Cost of funding earning assets | 0.6917% | 3,213 |
| Net interest margin | 3.5523% | 3,426 |
| Noninterest income to average assets | 1.0419% | 796 |
| Noninterest expense to average assets | 2.9324% | 2,190 |
| Loan and lease loss provision to assets | 0.2094% | 806 |
| Net operating income to assets | 1.1750% | 2,240 |
| Return on assets (ROA) | 1.1750% | 2,316 |
| Pretax return on assets | 1.2131% | 2,864 |
| Return on Equity (ROE) | 11.6121% | 1,736 |
| Retained earnings to average equity (ytd only) | 6.1077% | 2,235 |
| Net charge-offs to loans | 0.0751% | 1,615 |
| Credit loss provision to net charge-offs | 418.6441% | 686 |
| Earnings coverage of net charge-offs (x) | 28.4407% | 1,510 |
| Efficiency ratio | 67.3350% | 2,634 |
| Assets per employee ($millions) | 4.6983% | 2,882 |
| Cash dividends to net income (ytd only)* | 47.4026% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,429 |
| Loan loss allowance to noncurrent loans | 98.3657% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8172% | 1,724 |
| Noncurrent loans to loans | 1.2377% | 1,288 |
| Net loans and leases to total assets | 65.2188% | 3,208 |
| Net loans and leases to deposits | 75.7815% | 3,353 |
| Net loans and leases to core deposits | 77.9913% | 3,579 |
| Total domestic deposits to total assets | 86.0616% | 2,001 |
| Equity capital to assets | 10.3158% | 3,681 |
| Core capital (leverage) ratio | 10.3109% | 3,278 |
| Tier 1 risk-based capital ratio | 12.9249% | 3,878 |
| Total risk-based capital ratio | 13.9397% | 3,917 |
| Memoranda: | ||
| Average total assets | $235,919,670 | 2,579 |
| Average earning assets | $220,028,330 | 2,564 |
| Average equity | $23,871,670 | 2,807 |
| Average total loans | $157,136,670 | 2,581 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 3,866 |
| Cost of funding earning assets | 0.6560% | 3,287 |
| Net interest margin | 3.5440% | 3,447 |
| Noninterest income to average assets | 1.0014% | 806 |
| Noninterest expense to average assets | 2.9068% | 2,261 |
| Loan and lease loss provision to assets | 0.2119% | 739 |
| Net operating income to assets | 1.1501% | 2,270 |
| Return on assets (ROA) | 1.1501% | 2,320 |
| Pretax return on assets | 1.1877% | 2,854 |
| Return on Equity (ROE) | 11.4805% | 1,745 |
| Retained earnings to average equity (ytd only) | 3.2411% | 3,627 |
| Net charge-offs to loans | 0.0255% | 1,941 |
| Credit loss provision to net charge-offs | 1,240.0000% | 317 |
| Earnings coverage of net charge-offs (x) | 81.9000% | 763 |
| Efficiency ratio | 67.5000% | 2,713 |
| Assets per employee ($millions) | 4.6811% | 2,940 |
| Cash dividends to net income (ytd only)* | 71.7682% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 2,704 |
| Loan loss allowance to noncurrent loans | 95.6612% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.8109% | 1,748 |
| Noncurrent loans to loans | 1.2299% | 1,339 |
| Net loans and leases to total assets | 65.1586% | 3,154 |
| Net loans and leases to deposits | 75.7901% | 3,280 |
| Net loans and leases to core deposits | 77.7929% | 3,531 |
| Total domestic deposits to total assets | 85.9724% | 2,291 |
| Equity capital to assets | 9.9750% | 3,851 |
| Core capital (leverage) ratio | 10.2191% | 3,365 |
| Tier 1 risk-based capital ratio | 12.6953% | 4,047 |
| Total risk-based capital ratio | 13.6753% | 4,082 |
| Memoranda: | ||
| Average total assets | $234,073,500 | 2,608 |
| Average earning assets | $218,285,500 | 2,598 |
| Average equity | $23,448,500 | 2,845 |
| Average total loans | $156,606,000 | 2,615 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1822% | 3,487 |
| Cost of funding earning assets | 0.5869% | 2,809 |
| Net interest margin | 3.5952% | 3,399 |
| Noninterest income to average assets | 1.0504% | 858 |
| Noninterest expense to average assets | 3.1637% | 1,639 |
| Loan and lease loss provision to assets | 0.2067% | 910 |
| Net operating income to assets | 0.9885% | 3,062 |
| Return on assets (ROA) | 0.9699% | 3,136 |
| Pretax return on assets | 1.0020% | 3,596 |
| Return on Equity (ROE) | 9.7864% | 2,609 |
| Retained earnings to average equity (ytd only) | 6.1670% | 2,110 |
| Net charge-offs to loans | 0.3303% | 581 |
| Credit loss provision to net charge-offs | 90.1163% | 2,719 |
| Earnings coverage of net charge-offs (x) | 5.3527% | 3,200 |
| Efficiency ratio | 72.0417% | 1,891 |
| Assets per employee ($millions) | 4.4983% | 3,171 |
| Cash dividends to net income (ytd only)* | 36.9844% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 3,007 |
| Loan loss allowance to noncurrent loans | 92.4960% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.8191% | 1,705 |
| Noncurrent loans to loans | 1.2060% | 1,329 |
| Net loans and leases to total assets | 67.1568% | 2,979 |
| Net loans and leases to deposits | 78.7819% | 3,069 |
| Net loans and leases to core deposits | 80.9590% | 3,353 |
| Total domestic deposits to total assets | 85.2440% | 2,532 |
| Equity capital to assets | 10.0619% | 3,617 |
| Core capital (leverage) ratio | 10.4386% | 3,095 |
| Tier 1 risk-based capital ratio | 12.8016% | 3,965 |
| Total risk-based capital ratio | 13.7364% | 4,009 |
| Memoranda: | ||
| Average total assets | $224,961,200 | 2,650 |
| Average earning assets | $209,055,000 | 2,644 |
| Average equity | $22,296,200 | 2,881 |
| Average total loans | $156,214,600 | 2,564 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 3,432 |
| Cost of funding earning assets | 0.5600% | 2,789 |
| Net interest margin | 3.6002% | 3,365 |
| Noninterest income to average assets | 1.0763% | 815 |
| Noninterest expense to average assets | 3.1771% | 1,580 |
| Loan and lease loss provision to assets | 0.2073% | 819 |
| Net operating income to assets | 1.0054% | 3,058 |
| Return on assets (ROA) | 1.0054% | 3,072 |
| Pretax return on assets | 1.0388% | 3,615 |
| Return on Equity (ROE) | 10.1840% | 2,542 |
| Retained earnings to average equity (ytd only) | 6.3167% | 2,481 |
| Net charge-offs to loans | 0.4162% | 386 |
| Credit loss provision to net charge-offs | 71.3115% | 2,624 |
| Earnings coverage of net charge-offs (x) | 4.2869% | 3,079 |
| Efficiency ratio | 71.8287% | 1,912 |
| Assets per employee ($millions) | 4.3142% | 3,406 |
| Cash dividends to net income (ytd only)* | 37.9741% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 3,322 |
| Loan loss allowance to noncurrent loans | 135.0245% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 2,437 |
| Noncurrent loans to loans | 0.7962% | 2,118 |
| Net loans and leases to total assets | 69.0023% | 2,798 |
| Net loans and leases to deposits | 81.4930% | 2,875 |
| Net loans and leases to core deposits | 83.8657% | 3,166 |
| Total domestic deposits to total assets | 84.6727% | 2,728 |
| Equity capital to assets | 10.1043% | 3,537 |
| Core capital (leverage) ratio | 10.4266% | 3,157 |
| Tier 1 risk-based capital ratio | 12.9716% | 3,927 |
| Total risk-based capital ratio | 13.8828% | 4,025 |
| Memoranda: | ||
| Average total assets | $223,848,750 | 2,675 |
| Average earning assets | $208,096,750 | 2,665 |
| Average equity | $22,099,500 | 2,907 |
| Average total loans | $156,317,500 | 2,579 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1376% | 3,325 |
| Cost of funding earning assets | 0.5326% | 2,745 |
| Net interest margin | 3.6050% | 3,288 |
| Noninterest income to average assets | 1.0332% | 904 |
| Noninterest expense to average assets | 3.0943% | 1,799 |
| Loan and lease loss provision to assets | 0.2052% | 829 |
| Net operating income to assets | 1.0501% | 2,806 |
| Return on assets (ROA) | 1.0501% | 2,800 |
| Pretax return on assets | 1.0830% | 3,379 |
| Return on Equity (ROE) | 10.7185% | 2,222 |
| Retained earnings to average equity (ytd only) | 6.4202% | 2,352 |
| Net charge-offs to loans | 0.5354% | 278 |
| Credit loss provision to net charge-offs | 54.8694% | 2,464 |
| Earnings coverage of net charge-offs (x) | 3.4442% | 2,877 |
| Efficiency ratio | 70.6061% | 2,226 |
| Assets per employee ($millions) | 4.4947% | 3,136 |
| Cash dividends to net income (ytd only)* | 40.1015% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 3,864 |
| Loan loss allowance to noncurrent loans | 124.0497% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 2,381 |
| Noncurrent loans to loans | 0.8033% | 2,124 |
| Net loans and leases to total assets | 69.2995% | 2,678 |
| Net loans and leases to deposits | 81.8955% | 2,778 |
| Net loans and leases to core deposits | 84.2858% | 3,059 |
| Total domestic deposits to total assets | 84.6194% | 2,831 |
| Equity capital to assets | 9.6815% | 3,932 |
| Core capital (leverage) ratio | 10.2639% | 3,275 |
| Tier 1 risk-based capital ratio | 12.1787% | 4,384 |
| Total risk-based capital ratio | 13.0205% | 4,518 |
| Memoranda: | ||
| Average total assets | $225,123,000 | 2,677 |
| Average earning assets | $209,154,330 | 2,676 |
| Average equity | $22,055,330 | 2,921 |
| Average total loans | $157,265,670 | 2,580 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1750% | 2,967 |
| Cost of funding earning assets | 0.5446% | 2,447 |
| Net interest margin | 3.6304% | 3,071 |
| Noninterest income to average assets | 1.0006% | 907 |
| Noninterest expense to average assets | 3.1219% | 1,766 |
| Loan and lease loss provision to assets | 0.2080% | 782 |
| Net operating income to assets | 1.0096% | 2,822 |
| Return on assets (ROA) | 1.0096% | 2,842 |
| Pretax return on assets | 1.0418% | 3,388 |
| Return on Equity (ROE) | 10.2426% | 2,312 |
| Retained earnings to average equity (ytd only) | 4.6392% | 3,346 |
| Net charge-offs to loans | 0.1619% | 874 |
| Credit loss provision to net charge-offs | 184.1270% | 1,100 |
| Earnings coverage of net charge-offs (x) | 11.0635% | 1,868 |
| Efficiency ratio | 71.4110% | 2,276 |
| Assets per employee ($millions) | 4.3789% | 3,355 |
| Cash dividends to net income (ytd only)* | 54.7069% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 2,964 |
| Loan loss allowance to noncurrent loans | 71.5340% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.2072% | 1,260 |
| Noncurrent loans to loans | 1.6401% | 1,055 |
| Net loans and leases to total assets | 69.4790% | 2,565 |
| Net loans and leases to deposits | 83.7954% | 2,408 |
| Net loans and leases to core deposits | 86.4703% | 2,762 |
| Total domestic deposits to total assets | 82.9150% | 3,695 |
| Equity capital to assets | 9.7741% | 3,812 |
| Core capital (leverage) ratio | 10.2210% | 3,274 |
| Tier 1 risk-based capital ratio | 12.1197% | 4,483 |
| Total risk-based capital ratio | 13.1040% | 4,531 |
| Memoranda: | ||
| Average total assets | $223,069,000 | 2,726 |
| Average earning assets | $207,137,500 | 2,720 |
| Average equity | $21,986,500 | 2,957 |
| Average total loans | $155,671,000 | 2,618 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 3,731 |
| Cost of funding earning assets | 0.5042% | 2,293 |
| Net interest margin | 3.3940% | 3,868 |
| Noninterest income to average assets | 0.9039% | 1,255 |
| Noninterest expense to average assets | 3.0984% | 1,866 |
| Loan and lease loss provision to assets | 0.1645% | 1,347 |
| Net operating income to assets | 0.7637% | 3,326 |
| Return on assets (ROA) | 0.7628% | 3,368 |
| Pretax return on assets | 0.7929% | 4,265 |
| Return on Equity (ROE) | 7.6816% | 2,962 |
| Retained earnings to average equity (ytd only) | 3.2274% | 3,364 |
| Net charge-offs to loans | 0.1274% | 1,774 |
| Credit loss provision to net charge-offs | 188.6598% | 1,444 |
| Earnings coverage of net charge-offs (x) | 10.9897% | 2,616 |
| Efficiency ratio | 76.3767% | 1,564 |
| Assets per employee ($millions) | 4.3689% | 3,377 |
| Cash dividends to net income (ytd only)* | 57.9847% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 3,011 |
| Loan loss allowance to noncurrent loans | 83.0548% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 1,551 |
| Noncurrent loans to loans | 1.3957% | 1,229 |
| Net loans and leases to total assets | 68.4641% | 2,759 |
| Net loans and leases to deposits | 83.0328% | 2,606 |
| Net loans and leases to core deposits | 85.7025% | 2,932 |
| Total domestic deposits to total assets | 82.4543% | 3,743 |
| Equity capital to assets | 9.9388% | 3,773 |
| Core capital (leverage) ratio | 10.0984% | 3,325 |
| Tier 1 risk-based capital ratio | 12.1325% | 4,440 |
| Total risk-based capital ratio | 13.1004% | 4,518 |
| Memoranda: | ||
| Average total assets | $222,470,800 | 2,706 |
| Average earning assets | $206,656,200 | 2,707 |
| Average equity | $22,091,800 | 2,947 |
| Average total loans | $152,283,800 | 2,632 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8669% | 3,774 |
| Cost of funding earning assets | 0.5000% | 2,263 |
| Net interest margin | 3.3669% | 3,964 |
| Noninterest income to average assets | 0.9946% | 1,041 |
| Noninterest expense to average assets | 2.9132% | 2,357 |
| Loan and lease loss provision to assets | 0.1511% | 1,380 |
| Net operating income to assets | 1.0145% | 2,499 |
| Return on assets (ROA) | 1.0156% | 2,526 |
| Pretax return on assets | 1.0606% | 3,456 |
| Return on Equity (ROE) | 10.2299% | 2,027 |
| Retained earnings to average equity (ytd only) | 5.3746% | 2,625 |
| Net charge-offs to loans | 0.0755% | 2,062 |
| Credit loss provision to net charge-offs | 293.0233% | 1,013 |
| Earnings coverage of net charge-offs (x) | 23.4775% | 1,809 |
| Efficiency ratio | 70.6455% | 2,424 |
| Assets per employee ($millions) | 4.3264% | 3,430 |
| Cash dividends to net income (ytd only)* | 47.4615% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 3,035 |
| Loan loss allowance to noncurrent loans | 47.9055% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.7181% | 836 |
| Noncurrent loans to loans | 2.4660% | 628 |
| Net loans and leases to total assets | 67.6344% | 2,898 |
| Net loans and leases to deposits | 81.9025% | 2,788 |
| Net loans and leases to core deposits | 84.6831% | 3,073 |
| Total domestic deposits to total assets | 82.5793% | 3,589 |
| Equity capital to assets | 10.3429% | 3,543 |
| Core capital (leverage) ratio | 10.1466% | 3,383 |
| Tier 1 risk-based capital ratio | 12.5669% | 4,276 |
| Total risk-based capital ratio | 13.5588% | 4,335 |
| Memoranda: | ||
| Average total assets | $222,385,250 | 2,731 |
| Average earning assets | $206,671,750 | 2,722 |
| Average equity | $22,078,500 | 2,969 |
| Average total loans | $151,770,750 | 2,654 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8406% | 3,758 |
| Cost of funding earning assets | 0.4937% | 2,221 |
| Net interest margin | 3.3469% | 3,960 |
| Noninterest income to average assets | 1.0109% | 997 |
| Noninterest expense to average assets | 2.9718% | 2,190 |
| Loan and lease loss provision to assets | 0.1507% | 1,343 |
| Net operating income to assets | 0.9554% | 2,632 |
| Return on assets (ROA) | 0.9571% | 2,684 |
| Pretax return on assets | 1.0037% | 3,560 |
| Return on Equity (ROE) | 9.7751% | 2,139 |
| Retained earnings to average equity (ytd only) | 4.0584% | 3,290 |
| Net charge-offs to loans | 0.0408% | 2,380 |
| Credit loss provision to net charge-offs | 541.9355% | 617 |
| Earnings coverage of net charge-offs (x) | 41.4516% | 1,220 |
| Efficiency ratio | 72.0531% | 2,331 |
| Assets per employee ($millions) | 4.4079% | 3,259 |
| Cash dividends to net income (ytd only)* | 58.4817% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 3,479 |
| Loan loss allowance to noncurrent loans | 275.9434% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 3,872 |
| Noncurrent loans to loans | 0.4051% | 3,575 |
| Net loans and leases to total assets | 69.0618% | 2,659 |
| Net loans and leases to deposits | 84.4221% | 2,417 |
| Net loans and leases to core deposits | 87.3808% | 2,759 |
| Total domestic deposits to total assets | 81.8054% | 3,941 |
| Equity capital to assets | 9.9901% | 3,921 |
| Core capital (leverage) ratio | 9.8146% | 3,759 |
| Tier 1 risk-based capital ratio | 11.9841% | 4,642 |
| Total risk-based capital ratio | 12.9334% | 4,732 |
| Memoranda: | ||
| Average total assets | $222,965,330 | 2,741 |
| Average earning assets | $207,415,670 | 2,728 |
| Average equity | $21,831,000 | 2,995 |
| Average total loans | $152,022,330 | 2,660 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7654% | 3,886 |
| Cost of funding earning assets | 0.4775% | 2,271 |
| Net interest margin | 3.2880% | 4,053 |
| Noninterest income to average assets | 1.0773% | 865 |
| Noninterest expense to average assets | 3.0120% | 2,136 |
| Loan and lease loss provision to assets | 0.1513% | 1,222 |
| Net operating income to assets | 0.9187% | 2,672 |
| Return on assets (ROA) | 0.9187% | 2,727 |
| Pretax return on assets | 0.9656% | 3,516 |
| Return on Equity (ROE) | 9.4807% | 2,192 |
| Retained earnings to average equity (ytd only) | 1.2269% | 4,584 |
| Net charge-offs to loans | 0.0455% | 1,936 |
| Credit loss provision to net charge-offs | 494.1176% | 577 |
| Earnings coverage of net charge-offs (x) | 36.4706% | 1,093 |
| Efficiency ratio | 72.9494% | 2,413 |
| Assets per employee ($millions) | 4.1931% | 3,677 |
| Cash dividends to net income (ytd only)* | 87.0588% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 3,540 |
| Loan loss allowance to noncurrent loans | 256.0790% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 3,912 |
| Noncurrent loans to loans | 0.4398% | 3,516 |
| Net loans and leases to total assets | 65.3307% | 3,069 |
| Net loans and leases to deposits | 78.4006% | 2,930 |
| Net loans and leases to core deposits | 81.0483% | 3,192 |
| Total domestic deposits to total assets | 83.3294% | 3,728 |
| Equity capital to assets | 9.5978% | 4,183 |
| Core capital (leverage) ratio | 9.8531% | 3,687 |
| Tier 1 risk-based capital ratio | 12.2860% | 4,516 |
| Total risk-based capital ratio | 13.2365% | 4,623 |
| Memoranda: | ||
| Average total assets | $222,046,500 | 2,773 |
| Average earning assets | $206,085,500 | 2,764 |
| Average equity | $21,517,500 | 3,026 |
| Average total loans | $149,529,500 | 2,706 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8533% | 3,727 |
| Cost of funding earning assets | 0.4723% | 2,332 |
| Net interest margin | 3.3809% | 3,886 |
| Noninterest income to average assets | 1.0716% | 984 |
| Noninterest expense to average assets | 2.9714% | 2,435 |
| Loan and lease loss provision to assets | 0.1830% | 1,296 |
| Net operating income to assets | 1.0382% | 2,197 |
| Return on assets (ROA) | 1.0243% | 2,347 |
| Pretax return on assets | 1.0678% | 3,230 |
| Return on Equity (ROE) | 10.5277% | 1,759 |
| Retained earnings to average equity (ytd only) | 5.8674% | 1,783 |
| Net charge-offs to loans | 0.1249% | 1,999 |
| Credit loss provision to net charge-offs | 223.4286% | 1,283 |
| Earnings coverage of net charge-offs (x) | 15.4514% | 2,199 |
| Efficiency ratio | 70.1347% | 2,875 |
| Assets per employee ($millions) | 4.1069% | 3,774 |
| Cash dividends to net income (ytd only)* | 44.2668% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 3,811 |
| Loan loss allowance to noncurrent loans | 231.4735% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 3,875 |
| Noncurrent loans to loans | 0.4677% | 3,476 |
| Net loans and leases to total assets | 67.9158% | 2,783 |
| Net loans and leases to deposits | 81.9724% | 2,674 |
| Net loans and leases to core deposits | 85.0457% | 2,925 |
| Total domestic deposits to total assets | 82.8521% | 3,816 |
| Equity capital to assets | 9.7871% | 3,955 |
| Core capital (leverage) ratio | 9.9420% | 3,563 |
| Tier 1 risk-based capital ratio | 12.2002% | 4,577 |
| Total risk-based capital ratio | 13.1093% | 4,717 |
| Memoranda: | ||
| Average total assets | $213,706,400 | 2,815 |
| Average earning assets | $200,064,600 | 2,790 |
| Average equity | $20,792,800 | 3,087 |
| Average total loans | $140,131,000 | 2,778 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8588% | 3,738 |
| Cost of funding earning assets | 0.4712% | 2,353 |
| Net interest margin | 3.3876% | 3,898 |
| Noninterest income to average assets | 1.0775% | 976 |
| Noninterest expense to average assets | 2.9428% | 2,488 |
| Loan and lease loss provision to assets | 0.1636% | 1,400 |
| Net operating income to assets | 1.0999% | 1,995 |
| Return on assets (ROA) | 1.0812% | 2,185 |
| Pretax return on assets | 1.1282% | 3,118 |
| Return on Equity (ROE) | 11.1295% | 1,626 |
| Retained earnings to average equity (ytd only) | 6.0583% | 2,159 |
| Net charge-offs to loans | 0.1055% | 1,889 |
| Credit loss provision to net charge-offs | 239.4495% | 1,237 |
| Earnings coverage of net charge-offs (x) | 19.1926% | 1,951 |
| Efficiency ratio | 69.1764% | 3,020 |
| Assets per employee ($millions) | 4.0610% | 3,855 |
| Cash dividends to net income (ytd only)* | 45.5651% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 3,810 |
| Loan loss allowance to noncurrent loans | 232.1375% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 4,038 |
| Noncurrent loans to loans | 0.4756% | 3,589 |
| Net loans and leases to total assets | 64.6273% | 3,320 |
| Net loans and leases to deposits | 78.5876% | 3,123 |
| Net loans and leases to core deposits | 81.8534% | 3,292 |
| Total domestic deposits to total assets | 82.2361% | 3,864 |
| Equity capital to assets | 10.4635% | 3,605 |
| Core capital (leverage) ratio | 9.9932% | 3,581 |
| Tier 1 risk-based capital ratio | 12.5096% | 4,468 |
| Total risk-based capital ratio | 13.4161% | 4,591 |
| Memoranda: | ||
| Average total assets | $212,716,750 | 2,844 |
| Average earning assets | $199,468,750 | 2,809 |
| Average equity | $20,665,250 | 3,126 |
| Average total loans | $137,802,000 | 2,812 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8632% | 3,725 |
| Cost of funding earning assets | 0.4724% | 2,347 |
| Net interest margin | 3.3909% | 3,928 |
| Noninterest income to average assets | 1.0912% | 943 |
| Noninterest expense to average assets | 2.9158% | 2,628 |
| Loan and lease loss provision to assets | 0.1690% | 1,316 |
| Net operating income to assets | 1.1514% | 1,771 |
| Return on assets (ROA) | 1.1233% | 1,985 |
| Pretax return on assets | 1.1686% | 2,913 |
| Return on Equity (ROE) | 11.8723% | 1,365 |
| Retained earnings to average equity (ytd only) | 5.8563% | 2,209 |
| Net charge-offs to loans | 0.0833% | 2,016 |
| Credit loss provision to net charge-offs | 314.0351% | 930 |
| Earnings coverage of net charge-offs (x) | 25.4035% | 1,509 |
| Efficiency ratio | 68.0846% | 3,326 |
| Assets per employee ($millions) | 4.0388% | 3,832 |
| Cash dividends to net income (ytd only)* | 50.6723% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 4,080 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 4,063 |
| Noncurrent loans to loans | 0.5375% | 3,465 |
| Net loans and leases to total assets | 65.5203% | 3,151 |
| Net loans and leases to deposits | 80.1097% | 2,918 |
| Net loans and leases to core deposits | 83.1005% | 3,157 |
| Total domestic deposits to total assets | 81.7882% | 4,061 |
| Equity capital to assets | 10.3766% | 3,762 |
| Core capital (leverage) ratio | 9.8529% | 3,747 |
| Tier 1 risk-based capital ratio | 12.4545% | 4,554 |
| Total risk-based capital ratio | 13.3549% | 4,681 |
| Memoranda: | ||
| Average total assets | $211,877,670 | 2,867 |
| Average earning assets | $199,418,670 | 2,821 |
| Average equity | $20,046,670 | 3,191 |
| Average total loans | $136,851,670 | 2,839 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 3,986 |
| Cost of funding earning assets | 0.4725% | 2,349 |
| Net interest margin | 3.3154% | 4,167 |
| Noninterest income to average assets | 1.0949% | 906 |
| Noninterest expense to average assets | 2.9452% | 2,555 |
| Loan and lease loss provision to assets | 0.1879% | 1,055 |
| Net operating income to assets | 1.0384% | 2,128 |
| Return on assets (ROA) | 0.8653% | 3,034 |
| Pretax return on assets | 0.9090% | 3,810 |
| Return on Equity (ROE) | 9.6182% | 2,149 |
| Retained earnings to average equity (ytd only) | 0.7593% | 4,917 |
| Net charge-offs to loans | 0.0863% | 1,632 |
| Credit loss provision to net charge-offs | 341.3793% | 784 |
| Earnings coverage of net charge-offs (x) | 23.2414% | 1,372 |
| Efficiency ratio | 69.7215% | 3,179 |
| Assets per employee ($millions) | 4.0719% | 3,826 |
| Cash dividends to net income (ytd only)* | 92.1053% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 4,069 |
| Loan loss allowance to noncurrent loans | 192.0366% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 4,118 |
| Noncurrent loans to loans | 0.5712% | 3,478 |
| Net loans and leases to total assets | 62.6450% | 3,439 |
| Net loans and leases to deposits | 75.3723% | 3,292 |
| Net loans and leases to core deposits | 78.0461% | 3,486 |
| Total domestic deposits to total assets | 83.1141% | 3,855 |
| Equity capital to assets | 9.0890% | 5,092 |
| Core capital (leverage) ratio | 8.8181% | 5,061 |
| Tier 1 risk-based capital ratio | 11.6603% | 5,128 |
| Total risk-based capital ratio | 12.5860% | 5,226 |
| Memoranda: | ||
| Average total assets | $210,787,000 | 2,887 |
| Average earning assets | $198,947,500 | 2,827 |
| Average equity | $18,964,000 | 3,309 |
| Average total loans | $134,389,500 | 2,869 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7542% | 4,180 |
| Cost of funding earning assets | 0.4761% | 2,385 |
| Net interest margin | 3.2781% | 4,378 |
| Noninterest income to average assets | 1.1744% | 864 |
| Noninterest expense to average assets | 3.1207% | 2,175 |
| Loan and lease loss provision to assets | 0.1275% | 1,895 |
| Net operating income to assets | 0.9659% | 2,547 |
| Return on assets (ROA) | 0.9659% | 2,620 |
| Pretax return on assets | 1.0119% | 3,415 |
| Return on Equity (ROE) | 10.6202% | 1,748 |
| Retained earnings to average equity (ytd only) | 6.5173% | 1,530 |
| Net charge-offs to loans | 0.0279% | 3,668 |
| Credit loss provision to net charge-offs | 750.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 803 |
| Efficiency ratio | 73.2535% | 2,701 |
| Assets per employee ($millions) | 4.0353% | 3,869 |
| Cash dividends to net income (ytd only)* | 38.6328% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 4,383 |
| Loan loss allowance to noncurrent loans | 187.0494% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 4,159 |
| Noncurrent loans to loans | 0.5562% | 3,504 |
| Net loans and leases to total assets | 63.5085% | 3,345 |
| Net loans and leases to deposits | 76.9390% | 3,164 |
| Net loans and leases to core deposits | 79.0644% | 3,441 |
| Total domestic deposits to total assets | 82.5439% | 4,004 |
| Equity capital to assets | 8.9037% | 5,217 |
| Core capital (leverage) ratio | 8.7245% | 5,188 |
| Tier 1 risk-based capital ratio | 11.5586% | 5,209 |
| Total risk-based capital ratio | 12.4342% | 5,327 |
| Memoranda: | ||
| Average total assets | $199,924,000 | 2,956 |
| Average earning assets | $188,190,200 | 2,909 |
| Average equity | $18,182,400 | 3,357 |
| Average total loans | $121,846,000 | 3,021 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7283% | 4,333 |
| Cost of funding earning assets | 0.4766% | 2,438 |
| Net interest margin | 3.2517% | 4,518 |
| Noninterest income to average assets | 1.1919% | 853 |
| Noninterest expense to average assets | 3.0657% | 2,315 |
| Loan and lease loss provision to assets | 0.1215% | 1,870 |
| Net operating income to assets | 1.0203% | 2,377 |
| Return on assets (ROA) | 1.0203% | 2,472 |
| Pretax return on assets | 1.0636% | 3,356 |
| Return on Equity (ROE) | 11.1568% | 1,642 |
| Retained earnings to average equity (ytd only) | 6.8299% | 1,773 |
| Net charge-offs to loans | 0.0214% | 3,507 |
| Credit loss provision to net charge-offs | 947.3684% | 386 |
| Earnings coverage of net charge-offs (x) | 92.3782% | 667 |
| Efficiency ratio | 72.1207% | 2,856 |
| Assets per employee ($millions) | 3.8517% | 4,174 |
| Cash dividends to net income (ytd only)* | 38.7820% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 4,275 |
| Loan loss allowance to noncurrent loans | 175.1958% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 4,267 |
| Noncurrent loans to loans | 0.6233% | 3,451 |
| Net loans and leases to total assets | 59.5447% | 3,931 |
| Net loans and leases to deposits | 72.5505% | 3,700 |
| Net loans and leases to core deposits | 75.3828% | 3,868 |
| Total domestic deposits to total assets | 82.0735% | 4,138 |
| Equity capital to assets | 9.1492% | 5,163 |
| Core capital (leverage) ratio | 9.0854% | 4,901 |
| Tier 1 risk-based capital ratio | 12.0093% | 5,082 |
| Total risk-based capital ratio | 12.8932% | 5,219 |
| Memoranda: | ||
| Average total assets | $197,446,250 | 3,000 |
| Average earning assets | $185,745,250 | 2,958 |
| Average equity | $18,057,250 | 3,401 |
| Average total loans | $118,641,500 | 3,097 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 4,359 |
| Cost of funding earning assets | 0.4790% | 2,439 |
| Net interest margin | 3.2387% | 4,533 |
| Noninterest income to average assets | 1.2673% | 760 |
| Noninterest expense to average assets | 3.1145% | 2,201 |
| Loan and lease loss provision to assets | 0.1076% | 2,033 |
| Net operating income to assets | 1.0532% | 2,128 |
| Return on assets (ROA) | 1.0532% | 2,239 |
| Pretax return on assets | 1.0932% | 3,203 |
| Return on Equity (ROE) | 11.5178% | 1,519 |
| Retained earnings to average equity (ytd only) | 6.7336% | 1,826 |
| Net charge-offs to loans | 0.0017% | 3,846 |
| Credit loss provision to net charge-offs | 10,500.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 1,172.0000% | 51 |
| Efficiency ratio | 72.1747% | 2,982 |
| Assets per employee ($millions) | 3.8307% | 4,201 |
| Cash dividends to net income (ytd only)* | 41.5370% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 4,501 |
| Loan loss allowance to noncurrent loans | 160.7009% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 4,280 |
| Noncurrent loans to loans | 0.6644% | 3,483 |
| Net loans and leases to total assets | 60.8956% | 3,705 |
| Net loans and leases to deposits | 76.1413% | 3,255 |
| Net loans and leases to core deposits | 79.7889% | 3,415 |
| Total domestic deposits to total assets | 79.9772% | 4,877 |
| Equity capital to assets | 9.1310% | 5,110 |
| Core capital (leverage) ratio | 9.0436% | 4,898 |
| Tier 1 risk-based capital ratio | 12.1296% | 5,059 |
| Total risk-based capital ratio | 13.3797% | 4,958 |
| Memoranda: | ||
| Average total assets | $195,215,330 | 3,041 |
| Average earning assets | $183,716,330 | 3,005 |
| Average equity | $17,850,670 | 3,444 |
| Average total loans | $117,223,330 | 3,135 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6022% | 4,684 |
| Cost of funding earning assets | 0.4729% | 2,529 |
| Net interest margin | 3.1293% | 4,855 |
| Noninterest income to average assets | 1.2032% | 786 |
| Noninterest expense to average assets | 3.1731% | 2,056 |
| Loan and lease loss provision to assets | 0.0922% | 2,151 |
| Net operating income to assets | 0.8466% | 3,023 |
| Return on assets (ROA) | 0.8466% | 3,145 |
| Pretax return on assets | 0.8814% | 3,957 |
| Return on Equity (ROE) | 9.2515% | 2,337 |
| Retained earnings to average equity (ytd only) | 3.2481% | 4,040 |
| Net charge-offs to loans | 0.0069% | 3,096 |
| Credit loss provision to net charge-offs | 2,250.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 237.5000% | 237 |
| Efficiency ratio | 76.5200% | 2,420 |
| Assets per employee ($millions) | 3.8448% | 4,260 |
| Cash dividends to net income (ytd only)* | 64.8910% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 4,769 |
| Loan loss allowance to noncurrent loans | 175.4663% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 4,585 |
| Noncurrent loans to loans | 0.5976% | 3,784 |
| Net loans and leases to total assets | 58.8569% | 3,822 |
| Net loans and leases to deposits | 72.8730% | 3,448 |
| Net loans and leases to core deposits | 76.0365% | 3,592 |
| Total domestic deposits to total assets | 80.7664% | 4,868 |
| Equity capital to assets | 9.2766% | 4,999 |
| Core capital (leverage) ratio | 8.9301% | 5,038 |
| Tier 1 risk-based capital ratio | 12.2213% | 5,094 |
| Total risk-based capital ratio | 13.0794% | 5,249 |
| Memoranda: | ||
| Average total assets | $195,139,500 | 3,056 |
| Average earning assets | $183,554,500 | 3,022 |
| Average equity | $17,856,500 | 3,469 |
| Average total loans | $115,708,000 | 3,166 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7106% | 4,749 |
| Cost of funding earning assets | 0.5237% | 2,453 |
| Net interest margin | 3.1868% | 4,967 |
| Noninterest income to average assets | 1.2078% | 818 |
| Noninterest expense to average assets | 3.2724% | 2,001 |
| Loan and lease loss provision to assets | 0.0846% | 2,784 |
| Net operating income to assets | 0.8023% | 3,357 |
| Return on assets (ROA) | 0.8034% | 3,449 |
| Pretax return on assets | 0.8339% | 4,133 |
| Return on Equity (ROE) | 8.9692% | 2,601 |
| Retained earnings to average equity (ytd only) | 5.0878% | 2,536 |
| Net charge-offs to loans | 0.1309% | 2,705 |
| Credit loss provision to net charge-offs | 111.5108% | 2,139 |
| Earnings coverage of net charge-offs (x) | 12.0935% | 2,421 |
| Efficiency ratio | 78.1034% | 2,196 |
| Assets per employee ($millions) | 3.8077% | 4,331 |
| Cash dividends to net income (ytd only)* | 43.2745% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 4,910 |
| Loan loss allowance to noncurrent loans | 180.9816% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 4,509 |
| Noncurrent loans to loans | 0.5680% | 3,965 |
| Net loans and leases to total assets | 58.5000% | 3,993 |
| Net loans and leases to deposits | 71.8317% | 3,703 |
| Net loans and leases to core deposits | 74.7532% | 3,842 |
| Total domestic deposits to total assets | 81.4403% | 4,616 |
| Equity capital to assets | 9.0234% | 5,259 |
| Core capital (leverage) ratio | 8.8503% | 5,183 |
| Tier 1 risk-based capital ratio | 12.2391% | 5,199 |
| Total risk-based capital ratio | 13.0759% | 5,387 |
| Memoranda: | ||
| Average total assets | $183,228,800 | 3,172 |
| Average earning assets | $171,456,000 | 3,140 |
| Average equity | $16,411,800 | 3,617 |
| Average total loans | $106,222,200 | 3,298 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6864% | 4,900 |
| Cost of funding earning assets | 0.5342% | 2,425 |
| Net interest margin | 3.1522% | 5,112 |
| Noninterest income to average assets | 1.2337% | 797 |
| Noninterest expense to average assets | 3.1898% | 2,208 |
| Loan and lease loss provision to assets | 0.0702% | 2,945 |
| Net operating income to assets | 0.8799% | 3,022 |
| Return on assets (ROA) | 0.8813% | 3,113 |
| Pretax return on assets | 0.9219% | 3,898 |
| Return on Equity (ROE) | 9.8589% | 2,285 |
| Retained earnings to average equity (ytd only) | 5.8839% | 2,474 |
| Net charge-offs to loans | 0.1371% | 2,424 |
| Credit loss provision to net charge-offs | 88.7850% | 2,455 |
| Earnings coverage of net charge-offs (x) | 12.5330% | 2,308 |
| Efficiency ratio | 76.3032% | 2,446 |
| Assets per employee ($millions) | 3.7259% | 4,441 |
| Cash dividends to net income (ytd only)* | 40.3186% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 5,095 |
| Loan loss allowance to noncurrent loans | 93.8161% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.6862% | 3,768 |
| Noncurrent loans to loans | 1.0943% | 2,880 |
| Net loans and leases to total assets | 58.4969% | 4,002 |
| Net loans and leases to deposits | 72.5459% | 3,623 |
| Net loans and leases to core deposits | 75.6041% | 3,797 |
| Total domestic deposits to total assets | 80.6343% | 4,932 |
| Equity capital to assets | 9.0205% | 5,332 |
| Core capital (leverage) ratio | 9.0960% | 4,937 |
| Tier 1 risk-based capital ratio | 12.3391% | 5,273 |
| Total risk-based capital ratio | 13.1693% | 5,462 |
| Memoranda: | ||
| Average total assets | $180,487,250 | 3,229 |
| Average earning assets | $168,723,750 | 3,198 |
| Average equity | $16,134,000 | 3,673 |
| Average total loans | $104,081,750 | 3,371 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7159% | 4,809 |
| Cost of funding earning assets | 0.5477% | 2,368 |
| Net interest margin | 3.1681% | 5,047 |
| Noninterest income to average assets | 1.1787% | 843 |
| Noninterest expense to average assets | 3.2057% | 2,177 |
| Loan and lease loss provision to assets | 0.0677% | 2,910 |
| Net operating income to assets | 0.8303% | 3,177 |
| Return on assets (ROA) | 0.8324% | 3,259 |
| Pretax return on assets | 0.8697% | 3,998 |
| Return on Equity (ROE) | 9.3428% | 2,442 |
| Retained earnings to average equity (ytd only) | 5.2284% | 2,814 |
| Net charge-offs to loans | 0.2210% | 1,711 |
| Credit loss provision to net charge-offs | 53.5714% | 2,740 |
| Earnings coverage of net charge-offs (x) | 7.4018% | 2,638 |
| Efficiency ratio | 77.4176% | 2,388 |
| Assets per employee ($millions) | 3.5053% | 4,837 |
| Cash dividends to net income (ytd only)* | 44.0379% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 4,989 |
| Loan loss allowance to noncurrent loans | 155.9607% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 4,564 |
| Noncurrent loans to loans | 0.6919% | 3,986 |
| Net loans and leases to total assets | 57.0202% | 4,109 |
| Net loans and leases to deposits | 69.7516% | 3,853 |
| Net loans and leases to core deposits | 72.8315% | 3,964 |
| Total domestic deposits to total assets | 81.7475% | 4,735 |
| Equity capital to assets | 9.2241% | 5,078 |
| Core capital (leverage) ratio | 9.2000% | 4,742 |
| Tier 1 risk-based capital ratio | 12.5786% | 5,174 |
| Total risk-based capital ratio | 13.4297% | 5,350 |
| Memoranda: | ||
| Average total assets | $177,309,000 | 3,281 |
| Average earning assets | $165,775,330 | 3,251 |
| Average equity | $15,798,330 | 3,723 |
| Average total loans | $101,339,000 | 3,430 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6558% | 4,990 |
| Cost of funding earning assets | 0.5516% | 2,407 |
| Net interest margin | 3.1041% | 5,236 |
| Noninterest income to average assets | 1.2006% | 766 |
| Noninterest expense to average assets | 3.2235% | 2,144 |
| Loan and lease loss provision to assets | 0.0680% | 2,768 |
| Net operating income to assets | 0.7817% | 3,243 |
| Return on assets (ROA) | 0.7861% | 3,303 |
| Pretax return on assets | 0.8200% | 4,031 |
| Return on Equity (ROE) | 8.9824% | 2,469 |
| Retained earnings to average equity (ytd only) | 4.5818% | 3,370 |
| Net charge-offs to loans | 0.3861% | 947 |
| Credit loss provision to net charge-offs | 30.9278% | 2,388 |
| Earnings coverage of net charge-offs (x) | 4.0206% | 2,584 |
| Efficiency ratio | 78.4887% | 2,410 |
| Assets per employee ($millions) | 3.4524% | 5,030 |
| Cash dividends to net income (ytd only)* | 48.9914% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 5,110 |
| Loan loss allowance to noncurrent loans | 148.0432% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 4,639 |
| Noncurrent loans to loans | 0.7443% | 4,004 |
| Net loans and leases to total assets | 55.9166% | 4,153 |
| Net loans and leases to deposits | 69.0590% | 3,730 |
| Net loans and leases to core deposits | 72.1312% | 3,862 |
| Total domestic deposits to total assets | 80.9693% | 5,245 |
| Equity capital to assets | 8.9344% | 5,179 |
| Core capital (leverage) ratio | 9.2053% | 4,716 |
| Tier 1 risk-based capital ratio | 12.6374% | 5,231 |
| Total risk-based capital ratio | 13.4933% | 5,411 |
| Memoranda: | ||
| Average total assets | $176,578,500 | 3,314 |
| Average earning assets | $165,328,500 | 3,274 |
| Average equity | $15,452,500 | 3,786 |
| Average total loans | $100,485,000 | 3,459 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7456% | 4,992 |
| Cost of funding earning assets | 0.6102% | 2,568 |
| Net interest margin | 3.1354% | 5,211 |
| Noninterest income to average assets | 1.2298% | 922 |
| Noninterest expense to average assets | 3.2808% | 2,191 |
| Loan and lease loss provision to assets | 0.0520% | 4,096 |
| Net operating income to assets | 0.7657% | 3,463 |
| Return on assets (ROA) | 0.7657% | 3,559 |
| Pretax return on assets | 0.8010% | 4,139 |
| Return on Equity (ROE) | 8.2790% | 2,894 |
| Retained earnings to average equity (ytd only) | 3.7677% | 3,526 |
| Net charge-offs to loans | 0.0850% | 4,022 |
| Credit loss provision to net charge-offs | 111.1111% | 2,161 |
| Earnings coverage of net charge-offs (x) | 18.2222% | 1,664 |
| Efficiency ratio | 79.3653% | 2,260 |
| Assets per employee ($millions) | 3.6140% | 4,643 |
| Cash dividends to net income (ytd only)* | 54.4906% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 4,923 |
| Loan loss allowance to noncurrent loans | 125.9740% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 4,408 |
| Noncurrent loans to loans | 0.9111% | 3,706 |
| Net loans and leases to total assets | 56.6144% | 4,239 |
| Net loans and leases to deposits | 72.3941% | 3,473 |
| Net loans and leases to core deposits | 75.7030% | 3,638 |
| Total domestic deposits to total assets | 78.2030% | 5,797 |
| Equity capital to assets | 8.5688% | 5,507 |
| Core capital (leverage) ratio | 8.9588% | 5,063 |
| Tier 1 risk-based capital ratio | 12.4426% | 5,321 |
| Total risk-based capital ratio | 13.3467% | 5,499 |
| Memoranda: | ||
| Average total assets | $173,035,400 | 3,368 |
| Average earning assets | $160,267,400 | 3,336 |
| Average equity | $16,004,400 | 3,701 |
| Average total loans | $95,310,400 | 3,569 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8177% | 4,782 |
| Cost of funding earning assets | 0.6187% | 2,658 |
| Net interest margin | 3.1990% | 5,005 |
| Noninterest income to average assets | 1.1983% | 1,021 |
| Noninterest expense to average assets | 3.3057% | 2,070 |
| Loan and lease loss provision to assets | 0.0349% | 4,321 |
| Net operating income to assets | 0.7720% | 3,497 |
| Return on assets (ROA) | 0.7720% | 3,626 |
| Pretax return on assets | 0.8115% | 4,251 |
| Return on Equity (ROE) | 8.1913% | 3,024 |
| Retained earnings to average equity (ytd only) | 3.6844% | 4,079 |
| Net charge-offs to loans | 0.1080% | 3,459 |
| Credit loss provision to net charge-offs | 59.2105% | 3,321 |
| Earnings coverage of net charge-offs (x) | 14.3685% | 1,950 |
| Efficiency ratio | 79.6155% | 2,160 |
| Assets per employee ($millions) | 3.6953% | 4,460 |
| Cash dividends to net income (ytd only)* | 55.0201% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 5,382 |
| Loan loss allowance to noncurrent loans | 359.9359% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 5,557 |
| Noncurrent loans to loans | 0.3018% | 5,476 |
| Net loans and leases to total assets | 56.4735% | 4,252 |
| Net loans and leases to deposits | 72.6054% | 3,444 |
| Net loans and leases to core deposits | 75.5432% | 3,669 |
| Total domestic deposits to total assets | 77.7814% | 5,936 |
| Equity capital to assets | 8.6299% | 5,593 |
| Core capital (leverage) ratio | 9.0661% | 5,018 |
| Tier 1 risk-based capital ratio | 12.4486% | 5,483 |
| Total risk-based capital ratio | 13.3298% | 5,667 |
| Memoranda: | ||
| Average total assets | $172,023,250 | 3,405 |
| Average earning assets | $158,836,000 | 3,396 |
| Average equity | $16,212,000 | 3,708 |
| Average total loans | $93,783,250 | 3,630 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 4,589 |
| Cost of funding earning assets | 0.6420% | 2,575 |
| Net interest margin | 3.2278% | 4,844 |
| Noninterest income to average assets | 1.1928% | 1,068 |
| Noninterest expense to average assets | 3.3288% | 1,995 |
| Loan and lease loss provision to assets | 0.0178% | 4,540 |
| Net operating income to assets | 0.7716% | 3,457 |
| Return on assets (ROA) | 0.7716% | 3,613 |
| Pretax return on assets | 0.8094% | 4,275 |
| Return on Equity (ROE) | 7.9477% | 3,127 |
| Retained earnings to average equity (ytd only) | 3.3887% | 4,163 |
| Net charge-offs to loans | 0.0971% | 3,388 |
| Credit loss provision to net charge-offs | 34.0909% | 3,515 |
| Earnings coverage of net charge-offs (x) | 15.8864% | 1,701 |
| Efficiency ratio | 80.0968% | 2,141 |
| Assets per employee ($millions) | 3.3560% | 5,159 |
| Cash dividends to net income (ytd only)* | 57.3620% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 4,846 |
| Loan loss allowance to noncurrent loans | 189.2437% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 5,280 |
| Noncurrent loans to loans | 0.6484% | 4,646 |
| Net loans and leases to total assets | 52.9605% | 4,744 |
| Net loans and leases to deposits | 65.0256% | 4,373 |
| Net loans and leases to core deposits | 67.7178% | 4,528 |
| Total domestic deposits to total assets | 81.4456% | 5,228 |
| Equity capital to assets | 8.8399% | 5,398 |
| Core capital (leverage) ratio | 9.2323% | 4,649 |
| Tier 1 risk-based capital ratio | 13.2233% | 4,979 |
| Total risk-based capital ratio | 14.1721% | 5,142 |
| Memoranda: | ||
| Average total assets | $169,008,000 | 3,480 |
| Average earning assets | $155,151,330 | 3,477 |
| Average equity | $16,407,330 | 3,711 |
| Average total loans | $90,584,670 | 3,709 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8817% | 4,541 |
| Cost of funding earning assets | 0.6583% | 2,579 |
| Net interest margin | 3.2234% | 4,834 |
| Noninterest income to average assets | 1.1671% | 1,099 |
| Noninterest expense to average assets | 3.3799% | 1,876 |
| Loan and lease loss provision to assets | 0.0357% | 3,996 |
| Net operating income to assets | 0.6622% | 3,895 |
| Return on assets (ROA) | 0.6622% | 4,050 |
| Pretax return on assets | 0.6907% | 4,616 |
| Return on Equity (ROE) | 6.5235% | 3,753 |
| Retained earnings to average equity (ytd only) | 1.8303% | 5,081 |
| Net charge-offs to loans | 0.1245% | 2,679 |
| Credit loss provision to net charge-offs | 53.5714% | 2,550 |
| Earnings coverage of net charge-offs (x) | 10.8929% | 1,703 |
| Efficiency ratio | 82.3086% | 1,998 |
| Assets per employee ($millions) | 3.2755% | 5,489 |
| Cash dividends to net income (ytd only)* | 71.9424% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 4,924 |
| Loan loss allowance to noncurrent loans | 122.5322% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6112% | 4,863 |
| Noncurrent loans to loans | 1.0235% | 4,087 |
| Net loans and leases to total assets | 53.8242% | 4,444 |
| Net loans and leases to deposits | 67.1549% | 3,891 |
| Net loans and leases to core deposits | 69.8098% | 4,107 |
| Total domestic deposits to total assets | 80.1494% | 5,723 |
| Equity capital to assets | 10.1369% | 3,969 |
| Core capital (leverage) ratio | 9.2367% | 4,500 |
| Tier 1 risk-based capital ratio | 12.6788% | 5,441 |
| Total risk-based capital ratio | 13.6133% | 5,624 |
| Memoranda: | ||
| Average total assets | $167,934,000 | 3,537 |
| Average earning assets | $153,129,000 | 3,538 |
| Average equity | $17,046,000 | 3,664 |
| Average total loans | $89,991,500 | 3,750 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3405% | 4,057 |
| Cost of funding earning assets | 0.7415% | 3,145 |
| Net interest margin | 3.5990% | 4,088 |
| Noninterest income to average assets | 1.3321% | 871 |
| Noninterest expense to average assets | 3.4484% | 1,950 |
| Loan and lease loss provision to assets | 0.1091% | 4,267 |
| Net operating income to assets | 1.0430% | 2,154 |
| Return on assets (ROA) | 1.0430% | 2,356 |
| Pretax return on assets | 1.0897% | 3,197 |
| Return on Equity (ROE) | 10.2070% | 2,086 |
| Retained earnings to average equity (ytd only) | 4.9226% | 2,752 |
| Net charge-offs to loans | 0.1524% | 4,171 |
| Credit loss provision to net charge-offs | 128.5714% | 2,187 |
| Earnings coverage of net charge-offs (x) | 14.1286% | 1,760 |
| Efficiency ratio | 74.2045% | 3,038 |
| Assets per employee ($millions) | 3.3101% | 5,399 |
| Cash dividends to net income (ytd only)* | 51.7722% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 4,641 |
| Loan loss allowance to noncurrent loans | 126.6447% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.7339% | 4,641 |
| Noncurrent loans to loans | 1.0256% | 4,153 |
| Net loans and leases to total assets | 51.9924% | 4,928 |
| Net loans and leases to deposits | 65.7618% | 4,322 |
| Net loans and leases to core deposits | 68.3585% | 4,498 |
| Total domestic deposits to total assets | 79.0617% | 5,875 |
| Equity capital to assets | 10.1638% | 3,942 |
| Core capital (leverage) ratio | 9.0640% | 4,797 |
| Tier 1 risk-based capital ratio | 12.9100% | 5,177 |
| Total risk-based capital ratio | 13.8773% | 5,327 |
| Memoranda: | ||
| Average total assets | $165,006,400 | 3,535 |
| Average earning assets | $151,986,400 | 3,509 |
| Average equity | $16,861,000 | 3,649 |
| Average total loans | $91,870,000 | 3,698 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 3,944 |
| Cost of funding earning assets | 0.7544% | 3,317 |
| Net interest margin | 3.6710% | 3,917 |
| Noninterest income to average assets | 1.3142% | 851 |
| Noninterest expense to average assets | 3.4199% | 1,958 |
| Loan and lease loss provision to assets | 0.1463% | 3,711 |
| Net operating income to assets | 1.0899% | 2,131 |
| Return on assets (ROA) | 1.0899% | 2,327 |
| Pretax return on assets | 1.1451% | 3,178 |
| Return on Equity (ROE) | 10.6510% | 2,078 |
| Retained earnings to average equity (ytd only) | 5.5042% | 3,036 |
| Net charge-offs to loans | 0.1598% | 3,836 |
| Credit loss provision to net charge-offs | 162.1622% | 1,715 |
| Earnings coverage of net charge-offs (x) | 14.3149% | 1,839 |
| Efficiency ratio | 72.5893% | 3,216 |
| Assets per employee ($millions) | 3.3277% | 5,371 |
| Cash dividends to net income (ytd only)* | 48.3221% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 4,857 |
| Loan loss allowance to noncurrent loans | 164.8122% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 5,094 |
| Noncurrent loans to loans | 0.7830% | 4,844 |
| Net loans and leases to total assets | 54.4778% | 4,668 |
| Net loans and leases to deposits | 69.6720% | 3,942 |
| Net loans and leases to core deposits | 72.4497% | 4,198 |
| Total domestic deposits to total assets | 78.1918% | 6,036 |
| Equity capital to assets | 10.4594% | 3,893 |
| Core capital (leverage) ratio | 9.0889% | 4,928 |
| Tier 1 risk-based capital ratio | 12.6839% | 5,489 |
| Total risk-based capital ratio | 13.6678% | 5,662 |
| Memoranda: | ||
| Average total assets | $164,054,250 | 3,580 |
| Average earning assets | $151,814,750 | 3,555 |
| Average equity | $16,786,750 | 3,692 |
| Average total loans | $92,606,000 | 3,727 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6603% | 3,095 |
| Cost of funding earning assets | 0.7673% | 3,463 |
| Net interest margin | 3.8931% | 2,940 |
| Noninterest income to average assets | 1.1477% | 1,081 |
| Noninterest expense to average assets | 3.4371% | 1,943 |
| Loan and lease loss provision to assets | 0.1470% | 3,678 |
| Net operating income to assets | 1.1318% | 1,943 |
| Return on assets (ROA) | 1.1318% | 2,157 |
| Pretax return on assets | 1.1747% | 3,033 |
| Return on Equity (ROE) | 11.1451% | 1,939 |
| Retained earnings to average equity (ytd only) | 5.4278% | 3,028 |
| Net charge-offs to loans | 0.2132% | 3,293 |
| Credit loss provision to net charge-offs | 121.2121% | 2,262 |
| Earnings coverage of net charge-offs (x) | 10.8990% | 2,013 |
| Efficiency ratio | 72.2265% | 3,387 |
| Assets per employee ($millions) | 3.3089% | 5,431 |
| Cash dividends to net income (ytd only)* | 51.2987% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 5,480 |
| Loan loss allowance to noncurrent loans | 262.9630% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 5,622 |
| Noncurrent loans to loans | 0.4452% | 5,649 |
| Net loans and leases to total assets | 57.9575% | 4,167 |
| Net loans and leases to deposits | 73.7358% | 3,333 |
| Net loans and leases to core deposits | 76.6952% | 3,693 |
| Total domestic deposits to total assets | 78.6016% | 6,038 |
| Equity capital to assets | 10.2522% | 3,988 |
| Core capital (leverage) ratio | 9.1586% | 4,675 |
| Tier 1 risk-based capital ratio | 12.2728% | 5,746 |
| Total risk-based capital ratio | 13.2000% | 5,934 |
| Memoranda: | ||
| Average total assets | $163,276,670 | 3,610 |
| Average earning assets | $151,449,000 | 3,575 |
| Average equity | $16,581,330 | 3,717 |
| Average total loans | $92,865,000 | 3,734 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 2,406 |
| Cost of funding earning assets | 0.7938% | 3,526 |
| Net interest margin | 4.0647% | 2,232 |
| Noninterest income to average assets | 1.1271% | 1,113 |
| Noninterest expense to average assets | 3.6870% | 1,399 |
| Loan and lease loss provision to assets | 0.1480% | 3,513 |
| Net operating income to assets | 1.0185% | 2,404 |
| Return on assets (ROA) | 1.0185% | 2,598 |
| Pretax return on assets | 1.0555% | 3,483 |
| Return on Equity (ROE) | 10.0787% | 2,383 |
| Retained earnings to average equity (ytd only) | 2.7576% | 4,878 |
| Net charge-offs to loans | 0.3965% | 2,114 |
| Credit loss provision to net charge-offs | 66.6667% | 2,983 |
| Earnings coverage of net charge-offs (x) | 5.4222% | 2,373 |
| Efficiency ratio | 75.3908% | 2,868 |
| Assets per employee ($millions) | 3.2568% | 5,647 |
| Cash dividends to net income (ytd only)* | 72.6392% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 5,470 |
| Loan loss allowance to noncurrent loans | 223.2510% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5306% | 5,545 |
| Noncurrent loans to loans | 0.5385% | 5,586 |
| Net loans and leases to total assets | 54.7578% | 4,592 |
| Net loans and leases to deposits | 70.5446% | 3,645 |
| Net loans and leases to core deposits | 72.8495% | 4,036 |
| Total domestic deposits to total assets | 77.6215% | 6,320 |
| Equity capital to assets | 10.0897% | 4,013 |
| Core capital (leverage) ratio | 9.0373% | 4,778 |
| Tier 1 risk-based capital ratio | 12.8729% | 5,302 |
| Total risk-based capital ratio | 13.8231% | 5,509 |
| Memoranda: | ||
| Average total assets | $162,191,500 | 3,645 |
| Average earning assets | $150,172,000 | 3,618 |
| Average equity | $16,391,000 | 3,748 |
| Average total loans | $90,785,000 | 3,806 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 2,834 |
| Cost of funding earning assets | 1.0142% | 3,270 |
| Net interest margin | 3.9958% | 2,901 |
| Noninterest income to average assets | 1.1435% | 1,003 |
| Noninterest expense to average assets | 3.5838% | 1,775 |
| Loan and lease loss provision to assets | 0.1691% | 4,524 |
| Net operating income to assets | 1.0358% | 2,061 |
| Return on assets (ROA) | 1.0358% | 2,215 |
| Pretax return on assets | 1.0815% | 2,907 |
| Return on Equity (ROE) | 10.7901% | 1,768 |
| Retained earnings to average equity (ytd only) | 6.5628% | 1,710 |
| Net charge-offs to loans | 0.1334% | 5,082 |
| Credit loss provision to net charge-offs | 223.1405% | 1,087 |
| Earnings coverage of net charge-offs (x) | 16.5041% | 1,325 |
| Efficiency ratio | 74.1321% | 3,215 |
| Assets per employee ($millions) | 3.1675% | 5,776 |
| Cash dividends to net income (ytd only)* | 39.1778% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 5,289 |
| Loan loss allowance to noncurrent loans | 347.3520% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 5,884 |
| Noncurrent loans to loans | 0.3515% | 6,021 |
| Net loans and leases to total assets | 55.8380% | 4,740 |
| Net loans and leases to deposits | 71.2600% | 3,908 |
| Net loans and leases to core deposits | 73.4056% | 4,318 |
| Total domestic deposits to total assets | 78.3582% | 6,123 |
| Equity capital to assets | 10.1223% | 4,007 |
| Core capital (leverage) ratio | 8.9260% | 4,897 |
| Tier 1 risk-based capital ratio | 12.9151% | 5,143 |
| Total risk-based capital ratio | 13.9024% | 5,317 |
| Memoranda: | ||
| Average total assets | $159,690,200 | 3,635 |
| Average earning assets | $147,504,600 | 3,618 |
| Average equity | $15,328,800 | 3,845 |
| Average total loans | $90,704,800 | 3,834 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0319% | 2,931 |
| Cost of funding earning assets | 1.0674% | 3,192 |
| Net interest margin | 3.9646% | 3,079 |
| Noninterest income to average assets | 1.1430% | 1,010 |
| Noninterest expense to average assets | 3.5998% | 1,710 |
| Loan and lease loss provision to assets | 0.1884% | 4,144 |
| Net operating income to assets | 0.9730% | 2,423 |
| Return on assets (ROA) | 0.9730% | 2,591 |
| Pretax return on assets | 1.0124% | 3,359 |
| Return on Equity (ROE) | 10.2786% | 2,106 |
| Retained earnings to average equity (ytd only) | 5.8735% | 2,634 |
| Net charge-offs to loans | 0.1428% | 4,636 |
| Credit loss provision to net charge-offs | 231.9588% | 1,225 |
| Earnings coverage of net charge-offs (x) | 14.7835% | 1,511 |
| Efficiency ratio | 74.9869% | 3,007 |
| Assets per employee ($millions) | 3.3442% | 5,378 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 5,608 |
| Loan loss allowance to noncurrent loans | 126.6204% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6939% | 5,409 |
| Noncurrent loans to loans | 0.9215% | 5,038 |
| Net loans and leases to total assets | 56.5512% | 4,752 |
| Net loans and leases to deposits | 72.9529% | 3,816 |
| Net loans and leases to core deposits | 75.6299% | 4,239 |
| Total domestic deposits to total assets | 77.5173% | 6,291 |
| Equity capital to assets | 9.9161% | 4,456 |
| Core capital (leverage) ratio | 8.8507% | 5,179 |
| Tier 1 risk-based capital ratio | 12.6420% | 5,378 |
| Total risk-based capital ratio | 13.6130% | 5,595 |
| Memoranda: | ||
| Average total assets | $159,226,750 | 3,666 |
| Average earning assets | $146,898,000 | 3,652 |
| Average equity | $15,073,000 | 3,901 |
| Average total loans | $90,551,500 | 3,880 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 3,166 |
| Cost of funding earning assets | 1.1315% | 3,028 |
| Net interest margin | 3.8668% | 3,457 |
| Noninterest income to average assets | 1.1415% | 992 |
| Noninterest expense to average assets | 3.6453% | 1,635 |
| Loan and lease loss provision to assets | 0.2283% | 3,631 |
| Net operating income to assets | 0.7953% | 3,104 |
| Return on assets (ROA) | 0.7953% | 3,224 |
| Pretax return on assets | 0.8308% | 3,908 |
| Return on Equity (ROE) | 8.5417% | 2,702 |
| Retained earnings to average equity (ytd only) | 3.8008% | 3,795 |
| Net charge-offs to loans | 0.1788% | 4,095 |
| Credit loss provision to net charge-offs | 225.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 10.4375% | 1,809 |
| Efficiency ratio | 77.4872% | 2,790 |
| Assets per employee ($millions) | 3.2404% | 5,545 |
| Cash dividends to net income (ytd only)* | 55.5024% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 5,805 |
| Loan loss allowance to noncurrent loans | 111.6352% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7641% | 5,373 |
| Noncurrent loans to loans | 1.0187% | 4,956 |
| Net loans and leases to total assets | 57.1467% | 4,796 |
| Net loans and leases to deposits | 72.5435% | 4,030 |
| Net loans and leases to core deposits | 77.0161% | 4,189 |
| Total domestic deposits to total assets | 78.7758% | 6,139 |
| Equity capital to assets | 9.5230% | 4,784 |
| Core capital (leverage) ratio | 8.6014% | 5,406 |
| Tier 1 risk-based capital ratio | 12.1334% | 5,680 |
| Total risk-based capital ratio | 13.0660% | 5,912 |
| Memoranda: | ||
| Average total assets | $157,681,000 | 3,719 |
| Average earning assets | $145,288,000 | 3,702 |
| Average equity | $14,681,000 | 3,962 |
| Average total loans | $89,481,670 | 3,951 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9555% | 3,305 |
| Cost of funding earning assets | 1.1470% | 3,176 |
| Net interest margin | 3.8085% | 3,579 |
| Noninterest income to average assets | 1.1832% | 918 |
| Noninterest expense to average assets | 3.6241% | 1,715 |
| Loan and lease loss provision to assets | 0.2315% | 3,335 |
| Net operating income to assets | 0.7845% | 3,107 |
| Return on assets (ROA) | 0.7845% | 3,176 |
| Pretax return on assets | 0.8205% | 3,827 |
| Return on Equity (ROE) | 8.5273% | 2,686 |
| Retained earnings to average equity (ytd only) | 2.9915% | 4,374 |
| Net charge-offs to loans | 0.0915% | 4,026 |
| Credit loss provision to net charge-offs | 450.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 20.4500% | 1,108 |
| Efficiency ratio | 77.5028% | 2,914 |
| Assets per employee ($millions) | 3.0744% | 5,996 |
| Cash dividends to net income (ytd only)* | 64.9180% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 5,640 |
| Loan loss allowance to noncurrent loans | 93.2310% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.7698% | 5,373 |
| Noncurrent loans to loans | 1.2857% | 4,553 |
| Net loans and leases to total assets | 54.3040% | 5,261 |
| Net loans and leases to deposits | 68.6185% | 4,593 |
| Net loans and leases to core deposits | 72.8996% | 4,660 |
| Total domestic deposits to total assets | 79.1390% | 6,159 |
| Equity capital to assets | 9.1974% | 4,877 |
| Core capital (leverage) ratio | 8.7444% | 5,006 |
| Tier 1 risk-based capital ratio | 12.9927% | 4,830 |
| Total risk-based capital ratio | 13.9735% | 5,016 |
| Memoranda: | ||
| Average total assets | $155,512,500 | 3,781 |
| Average earning assets | $142,628,500 | 3,780 |
| Average equity | $14,307,000 | 4,045 |
| Average total loans | $87,396,000 | 4,037 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3633% | 2,842 |
| Cost of funding earning assets | 1.2684% | 4,088 |
| Net interest margin | 4.0949% | 2,585 |
| Noninterest income to average assets | 1.1093% | 1,203 |
| Noninterest expense to average assets | 3.6614% | 1,785 |
| Loan and lease loss provision to assets | 0.2196% | 5,071 |
| Net operating income to assets | 0.9376% | 2,247 |
| Return on assets (ROA) | 0.9376% | 2,376 |
| Pretax return on assets | 0.9836% | 2,983 |
| Return on Equity (ROE) | 9.7899% | 2,005 |
| Retained earnings to average equity (ytd only) | 5.2875% | 2,255 |
| Net charge-offs to loans | 0.2202% | 4,972 |
| Credit loss provision to net charge-offs | 173.6842% | 1,935 |
| Earnings coverage of net charge-offs (x) | 9.5158% | 1,813 |
| Efficiency ratio | 75.2668% | 3,152 |
| Assets per employee ($millions) | 3.0846% | 5,911 |
| Cash dividends to net income (ytd only)* | 45.9901% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 5,991 |
| Loan loss allowance to noncurrent loans | 375.4864% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 6,602 |
| Noncurrent loans to loans | 0.2900% | 6,478 |
| Net loans and leases to total assets | 56.8294% | 5,210 |
| Net loans and leases to deposits | 72.6851% | 4,395 |
| Net loans and leases to core deposits | 75.9252% | 4,726 |
| Total domestic deposits to total assets | 78.1858% | 6,274 |
| Equity capital to assets | 9.2025% | 4,840 |
| Core capital (leverage) ratio | 8.6728% | 5,067 |
| Tier 1 risk-based capital ratio | 12.0027% | 5,470 |
| Total risk-based capital ratio | 12.8557% | 5,828 |
| Memoranda: | ||
| Average total assets | $150,270,000 | 3,868 |
| Average earning assets | $137,806,800 | 3,857 |
| Average equity | $14,392,400 | 4,048 |
| Average total loans | $86,288,400 | 4,150 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3719% | 3,018 |
| Cost of funding earning assets | 1.2738% | 4,411 |
| Net interest margin | 4.0981% | 2,632 |
| Noninterest income to average assets | 1.1361% | 1,084 |
| Noninterest expense to average assets | 3.5923% | 1,815 |
| Loan and lease loss provision to assets | 0.2010% | 5,043 |
| Net operating income to assets | 1.0530% | 2,063 |
| Return on assets (ROA) | 1.0530% | 2,167 |
| Pretax return on assets | 1.1013% | 2,816 |
| Return on Equity (ROE) | 10.8845% | 1,826 |
| Retained earnings to average equity (ytd only) | 6.7301% | 1,977 |
| Net charge-offs to loans | 0.1960% | 4,769 |
| Credit loss provision to net charge-offs | 178.5714% | 2,057 |
| Earnings coverage of net charge-offs (x) | 11.5711% | 1,779 |
| Efficiency ratio | 73.3942% | 3,438 |
| Assets per employee ($millions) | 3.0553% | 6,012 |
| Cash dividends to net income (ytd only)* | 38.1683% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 6,277 |
| Loan loss allowance to noncurrent loans | 264.0000% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 6,793 |
| Noncurrent loans to loans | 0.3891% | 6,417 |
| Net loans and leases to total assets | 58.2709% | 5,220 |
| Net loans and leases to deposits | 76.8899% | 4,028 |
| Net loans and leases to core deposits | 80.4666% | 4,456 |
| Total domestic deposits to total assets | 75.7849% | 6,694 |
| Equity capital to assets | 9.8727% | 4,326 |
| Core capital (leverage) ratio | 8.8677% | 4,896 |
| Tier 1 risk-based capital ratio | 11.1559% | 6,237 |
| Total risk-based capital ratio | 11.9167% | 6,650 |
| Memoranda: | ||
| Average total assets | $149,280,000 | 3,935 |
| Average earning assets | $136,906,750 | 3,919 |
| Average equity | $14,442,250 | 4,101 |
| Average total loans | $85,707,250 | 4,238 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3423% | 3,251 |
| Cost of funding earning assets | 1.2669% | 4,732 |
| Net interest margin | 4.0754% | 2,679 |
| Noninterest income to average assets | 1.1383% | 1,004 |
| Noninterest expense to average assets | 3.5377% | 1,933 |
| Loan and lease loss provision to assets | 0.2025% | 4,846 |
| Net operating income to assets | 1.0964% | 1,866 |
| Return on assets (ROA) | 1.0964% | 1,936 |
| Pretax return on assets | 1.1464% | 2,599 |
| Return on Equity (ROE) | 11.4133% | 1,622 |
| Retained earnings to average equity (ytd only) | 7.1966% | 1,756 |
| Net charge-offs to loans | 0.2135% | 4,329 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | 11.1000% | 1,802 |
| Efficiency ratio | 72.3957% | 3,755 |
| Assets per employee ($millions) | 2.9524% | 6,239 |
| Cash dividends to net income (ytd only)* | 36.9458% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,348 |
| Loan loss allowance to noncurrent loans | 623.2394% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 7,163 |
| Noncurrent loans to loans | 0.1623% | 6,936 |
| Net loans and leases to total assets | 57.5058% | 5,487 |
| Net loans and leases to deposits | 74.6420% | 4,580 |
| Net loans and leases to core deposits | 76.9512% | 5,089 |
| Total domestic deposits to total assets | 77.0421% | 6,498 |
| Equity capital to assets | 9.8053% | 4,253 |
| Core capital (leverage) ratio | 8.9884% | 4,618 |
| Tier 1 risk-based capital ratio | 11.7702% | 5,524 |
| Total risk-based capital ratio | 12.5515% | 5,930 |
| Memoranda: | ||
| Average total assets | $148,118,670 | 3,994 |
| Average earning assets | $136,233,000 | 3,965 |
| Average equity | $14,229,000 | 4,151 |
| Average total loans | $84,296,000 | 4,315 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4041% | 3,021 |
| Cost of funding earning assets | 1.2669% | 5,024 |
| Net interest margin | 4.1372% | 2,285 |
| Noninterest income to average assets | 1.1165% | 1,008 |
| Noninterest expense to average assets | 3.5945% | 1,748 |
| Loan and lease loss provision to assets | 0.2042% | 4,458 |
| Net operating income to assets | 1.0892% | 1,867 |
| Return on assets (ROA) | 1.0892% | 1,947 |
| Pretax return on assets | 1.1328% | 2,617 |
| Return on Equity (ROE) | 11.4601% | 1,654 |
| Retained earnings to average equity (ytd only) | 7.1626% | 2,066 |
| Net charge-offs to loans | 0.3772% | 2,920 |
| Credit loss provision to net charge-offs | 96.1538% | 3,518 |
| Earnings coverage of net charge-offs (x) | 6.2949% | 2,249 |
| Efficiency ratio | 72.8879% | 3,777 |
| Assets per employee ($millions) | 2.9332% | 6,375 |
| Cash dividends to net income (ytd only)* | 37.5000% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 6,526 |
| Loan loss allowance to noncurrent loans | 690.7563% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 7,289 |
| Noncurrent loans to loans | 0.1429% | 7,048 |
| Net loans and leases to total assets | 56.2035% | 5,716 |
| Net loans and leases to deposits | 72.9230% | 4,922 |
| Net loans and leases to core deposits | 75.2456% | 5,365 |
| Total domestic deposits to total assets | 77.0725% | 6,546 |
| Equity capital to assets | 9.6067% | 4,367 |
| Core capital (leverage) ratio | 8.8687% | 4,770 |
| Tier 1 risk-based capital ratio | 12.0643% | 5,132 |
| Total risk-based capital ratio | 12.8231% | 5,579 |
| Memoranda: | ||
| Average total assets | $146,892,500 | 4,068 |
| Average earning assets | $135,452,500 | 4,047 |
| Average equity | $13,961,500 | 4,253 |
| Average total loans | $82,708,000 | 4,420 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7977% | 2,661 |
| Cost of funding earning assets | 1.4424% | 5,752 |
| Net interest margin | 4.3553% | 1,554 |
| Noninterest income to average assets | 0.9768% | 1,646 |
| Noninterest expense to average assets | 3.8418% | 1,614 |
| Loan and lease loss provision to assets | 0.2798% | 5,184 |
| Net operating income to assets | 0.7830% | 2,592 |
| Return on assets (ROA) | 0.7830% | 2,685 |
| Pretax return on assets | 0.7901% | 3,279 |
| Return on Equity (ROE) | 8.1119% | 2,323 |
| Retained earnings to average equity (ytd only) | 4.4758% | 2,117 |
| Net charge-offs to loans | 0.4392% | 4,043 |
| Credit loss provision to net charge-offs | 113.4286% | 4,834 |
| Earnings coverage of net charge-offs (x) | 4.3371% | 2,983 |
| Efficiency ratio | 78.2178% | 3,156 |
| Assets per employee ($millions) | 2.8848% | 6,483 |
| Cash dividends to net income (ytd only)* | 44.8245% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 6,354 |
| Loan loss allowance to noncurrent loans | 1,586.5385% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 7,430 |
| Noncurrent loans to loans | 0.0633% | 7,264 |
| Net loans and leases to total assets | 55.2869% | 6,047 |
| Net loans and leases to deposits | 71.5780% | 5,393 |
| Net loans and leases to core deposits | 80.7870% | 6,017 |
| Total domestic deposits to total assets | 77.2401% | 6,401 |
| Equity capital to assets | 9.4028% | 4,548 |
| Core capital (leverage) ratio | 8.8216% | 4,735 |
| Tier 1 risk-based capital ratio | 12.0442% | 4,911 |
| Total risk-based capital ratio | 12.8193% | 5,280 |
| Memoranda: | ||
| Average total assets | $141,887,800 | 4,080 |
| Average earning assets | $128,188,200 | 4,128 |
| Average equity | $13,696,000 | 4,340 |
| Average total loans | $79,696,000 | 4,522 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8990% | 2,455 |
| Cost of funding earning assets | 1.4769% | 5,926 |
| Net interest margin | 4.4221% | 1,388 |
| Noninterest income to average assets | 0.9570% | 1,754 |
| Noninterest expense to average assets | 3.8839% | 1,451 |
| Loan and lease loss provision to assets | 0.2513% | 4,941 |
| Net operating income to assets | 0.7578% | 2,994 |
| Return on assets (ROA) | 0.7578% | 3,059 |
| Pretax return on assets | 0.7863% | 3,586 |
| Return on Equity (ROE) | 7.7979% | 2,727 |
| Retained earnings to average equity (ytd only) | 4.4016% | 2,816 |
| Net charge-offs to loans | 0.3945% | 3,690 |
| Credit loss provision to net charge-offs | 113.2479% | 4,488 |
| Earnings coverage of net charge-offs (x) | 4.6752% | 3,044 |
| Efficiency ratio | 78.9169% | 3,005 |
| Assets per employee ($millions) | 2.7873% | 6,666 |
| Cash dividends to net income (ytd only)* | 43.5545% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 6,272 |
| Loan loss allowance to noncurrent loans | 304.1353% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 6,903 |
| Noncurrent loans to loans | 0.3293% | 6,702 |
| Net loans and leases to total assets | 56.2496% | 6,115 |
| Net loans and leases to deposits | 73.2042% | 5,483 |
| Net loans and leases to core deposits | 82.4034% | 6,156 |
| Total domestic deposits to total assets | 76.8392% | 6,383 |
| Equity capital to assets | 9.8133% | 4,333 |
| Core capital (leverage) ratio | 9.0272% | 4,606 |
| Tier 1 risk-based capital ratio | 11.9898% | 4,991 |
| Total risk-based capital ratio | 12.7561% | 5,373 |
| Memoranda: | ||
| Average total assets | $140,578,000 | 4,126 |
| Average earning assets | $126,030,250 | 4,210 |
| Average equity | $13,661,500 | 4,370 |
| Average total loans | $79,078,250 | 4,581 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0338% | 2,042 |
| Cost of funding earning assets | 1.5125% | 6,087 |
| Net interest margin | 4.5213% | 1,118 |
| Noninterest income to average assets | 0.9454% | 1,777 |
| Noninterest expense to average assets | 3.8343% | 1,601 |
| Loan and lease loss provision to assets | 0.2713% | 4,407 |
| Net operating income to assets | 0.8411% | 2,694 |
| Return on assets (ROA) | 0.8411% | 2,793 |
| Pretax return on assets | 0.8697% | 3,447 |
| Return on Equity (ROE) | 8.6839% | 2,482 |
| Retained earnings to average equity (ytd only) | 5.7647% | 2,137 |
| Net charge-offs to loans | 0.4127% | 3,143 |
| Credit loss provision to net charge-offs | 117.2840% | 3,966 |
| Earnings coverage of net charge-offs (x) | 4.9321% | 2,953 |
| Efficiency ratio | 77.0666% | 3,499 |
| Assets per employee ($millions) | 2.5412% | 7,171 |
| Cash dividends to net income (ytd only)* | 33.6163% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 6,224 |
| Loan loss allowance to noncurrent loans | 442.8571% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 7,044 |
| Noncurrent loans to loans | 0.2263% | 6,942 |
| Net loans and leases to total assets | 58.0316% | 5,959 |
| Net loans and leases to deposits | 73.7511% | 5,488 |
| Net loans and leases to core deposits | 82.5037% | 6,200 |
| Total domestic deposits to total assets | 78.6857% | 5,902 |
| Equity capital to assets | 9.8793% | 4,108 |
| Core capital (leverage) ratio | 9.0474% | 4,558 |
| Tier 1 risk-based capital ratio | 13.3132% | 3,928 |
| Total risk-based capital ratio | 14.1649% | 4,122 |
| Memoranda: | ||
| Average total assets | $140,052,670 | 4,173 |
| Average earning assets | $124,830,000 | 4,246 |
| Average equity | $13,565,330 | 4,405 |
| Average total loans | $78,514,330 | 4,635 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9260% | 2,666 |
| Cost of funding earning assets | 1.5329% | 6,298 |
| Net interest margin | 4.3932% | 1,357 |
| Noninterest income to average assets | 0.9585% | 1,612 |
| Noninterest expense to average assets | 3.6588% | 1,732 |
| Loan and lease loss provision to assets | 0.2262% | 4,188 |
| Net operating income to assets | 0.9614% | 2,473 |
| Return on assets (ROA) | 0.9614% | 2,600 |
| Pretax return on assets | 1.0038% | 3,333 |
| Return on Equity (ROE) | 10.0225% | 2,310 |
| Retained earnings to average equity (ytd only) | 10.0225% | 1,191 |
| Net charge-offs to loans | 0.3301% | 2,777 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | 6.7969% | 2,440 |
| Efficiency ratio | 74.8409% | 3,687 |
| Assets per employee ($millions) | 2.6698% | 6,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 6,083 |
| Loan loss allowance to noncurrent loans | 379.9043% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 6,890 |
| Noncurrent loans to loans | 0.2671% | 6,770 |
| Net loans and leases to total assets | 55.7964% | 6,270 |
| Net loans and leases to deposits | 71.6913% | 5,783 |
| Net loans and leases to core deposits | 81.4385% | 6,270 |
| Total domestic deposits to total assets | 77.8287% | 6,071 |
| Equity capital to assets | 9.8626% | 4,165 |
| Core capital (leverage) ratio | 9.0094% | 4,697 |
| Tier 1 risk-based capital ratio | 13.4420% | 3,902 |
| Total risk-based capital ratio | 14.2926% | 4,076 |
| Memoranda: | ||
| Average total assets | $141,465,500 | 4,160 |
| Average earning assets | $126,560,000 | 4,233 |
| Average equity | $13,569,500 | 4,429 |
| Average total loans | $77,551,000 | 4,694 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4701% | 3,115 |
| Cost of funding earning assets | 2.0115% | 6,375 |
| Net interest margin | 4.4586% | 1,519 |
| Noninterest income to average assets | 1.0328% | 1,478 |
| Noninterest expense to average assets | 4.1810% | 1,168 |
| Loan and lease loss provision to assets | 0.1071% | 6,007 |
| Net operating income to assets | 0.7115% | 3,840 |
| Return on assets (ROA) | 0.6084% | 4,133 |
| Pretax return on assets | 0.6254% | 4,612 |
| Return on Equity (ROE) | 6.1910% | 3,867 |
| Retained earnings to average equity (ytd only) | -1.0897% | 5,620 |
| Net charge-offs to loans | -0.1057% | 8,099 |
| Credit loss provision to net charge-offs | -174.6835% | 7,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2895% | 2,142 |
| Assets per employee ($millions) | 2.7712% | 6,631 |
| Cash dividends to net income (ytd only)* | 117.6020% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 5,908 |
| Loan loss allowance to noncurrent loans | 107.4586% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5024% | 5,682 |
| Noncurrent loans to loans | 0.9421% | 4,725 |
| Net loans and leases to total assets | 52.7879% | 6,768 |
| Net loans and leases to deposits | 67.5905% | 6,498 |
| Net loans and leases to core deposits | 78.3667% | 6,731 |
| Total domestic deposits to total assets | 78.0997% | 5,679 |
| Equity capital to assets | 9.3315% | 4,898 |
| Core capital (leverage) ratio | 8.8917% | 4,905 |
| Tier 1 risk-based capital ratio | 12.3429% | 4,557 |
| Total risk-based capital ratio | 13.1296% | 4,817 |
| Memoranda: | ||
| Average total assets | $128,868,000 | 4,314 |
| Average earning assets | $115,238,000 | 4,380 |
| Average equity | $12,663,600 | 4,658 |
| Average total loans | $74,724,400 | 4,703 |