Home > Grand Rapids State Bank > Performance and Condition Ratios
Grand Rapids State Bank, 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 | 4.5257% | 3,048 |
| Cost of funding earning assets | 0.2510% | 4,412 |
| Net interest margin | 4.2747% | 842 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 3.3877% | 666 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 0.7905% | 2,901 |
| Return on assets (ROA) | 0.7905% | 2,877 |
| Pretax return on assets | 0.8635% | 3,055 |
| Return on Equity (ROE) | 10.5000% | 2,361 |
| Retained earnings to average equity (ytd only) | 0.0626% | 4,029 |
| Net charge-offs to loans | 0.3644% | 295 |
| Credit loss provision to net charge-offs | 106.9632% | 1,779 |
| Earnings coverage of net charge-offs (x) | 5.3211% | 2,533 |
| Efficiency ratio | 75.8133% | 1,263 |
| Assets per employee ($millions) | 5.8047% | 2,978 |
| Cash dividends to net income (ytd only)* | 99.4036% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7688% | 4,028 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 763 |
| Noncurrent loans to loans | 0.0077% | 3,720 |
| Net loans and leases to total assets | 56.8800% | 3,130 |
| Net loans and leases to deposits | 62.6035% | 3,376 |
| Net loans and leases to core deposits | 64.4841% | 3,565 |
| Total domestic deposits to total assets | 90.8600% | 541 |
| Equity capital to assets | 8.0609% | 3,371 |
| Core capital (leverage) ratio | 9.6421% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $254,538,000 | 2,649 |
| Average earning assets | $233,421,400 | 2,661 |
| Average equity | $19,169,600 | 2,928 |
| Average total loans | $141,881,600 | 2,745 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 2,962 |
| Cost of funding earning assets | 0.2160% | 4,433 |
| Net interest margin | 4.2568% | 855 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 3.3253% | 698 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0499% | 2,219 |
| Return on assets (ROA) | 1.0499% | 2,208 |
| Pretax return on assets | 1.1166% | 2,521 |
| Return on Equity (ROE) | 14.1800% | 1,608 |
| Retained earnings to average equity (ytd only) | 3.6199% | 3,351 |
| Net charge-offs to loans | 0.1271% | 636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 15.8667% | 1,948 |
| Efficiency ratio | 74.8621% | 1,284 |
| Assets per employee ($millions) | 5.9055% | 2,833 |
| Cash dividends to net income (ytd only)* | 74.4786% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6702% | 4,181 |
| Loan loss allowance to noncurrent loans | 7,115.3846% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.6906% | 826 |
| Noncurrent loans to loans | 0.0094% | 3,731 |
| Net loans and leases to total assets | 55.2700% | 3,267 |
| Net loans and leases to deposits | 60.5426% | 3,477 |
| Net loans and leases to core deposits | 62.0196% | 3,614 |
| Total domestic deposits to total assets | 91.3000% | 601 |
| Equity capital to assets | 7.5704% | 3,315 |
| Core capital (leverage) ratio | 9.6086% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $255,772,500 | 2,653 |
| Average earning assets | $234,569,500 | 2,671 |
| Average equity | $18,932,000 | 2,944 |
| Average total loans | $141,583,000 | 2,757 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3666% | 2,967 |
| Cost of funding earning assets | 0.1859% | 4,444 |
| Net interest margin | 4.1807% | 955 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 3.2909% | 698 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0133% | 2,384 |
| Return on assets (ROA) | 1.0133% | 2,377 |
| Pretax return on assets | 1.0815% | 2,689 |
| Return on Equity (ROE) | 13.7900% | 1,727 |
| Retained earnings to average equity (ytd only) | 3.2554% | 3,410 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.2656% | 1,234 |
| Assets per employee ($millions) | 5.6993% | 2,970 |
| Cash dividends to net income (ytd only)* | 76.3942% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 4,054 |
| Loan loss allowance to noncurrent loans | 65.5738% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6969% | 752 |
| Noncurrent loans to loans | 1.1955% | 593 |
| Net loans and leases to total assets | 57.8400% | 2,978 |
| Net loans and leases to deposits | 63.4048% | 3,231 |
| Net loans and leases to core deposits | 64.8093% | 3,403 |
| Total domestic deposits to total assets | 91.2200% | 577 |
| Equity capital to assets | 7.7390% | 3,376 |
| Core capital (leverage) ratio | 9.4544% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $258,352,333 | 2,642 |
| Average earning assets | $237,759,333 | 2,652 |
| Average equity | $18,983,667 | 2,953 |
| Average total loans | $142,769,667 | 2,744 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1206% | 3,212 |
| Cost of funding earning assets | 0.1655% | 4,429 |
| Net interest margin | 3.9551% | 1,356 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 3.2514% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8362% | 3,067 |
| Return on assets (ROA) | 0.8362% | 3,025 |
| Pretax return on assets | 0.9087% | 3,210 |
| Return on Equity (ROE) | 11.6700% | 2,304 |
| Retained earnings to average equity (ytd only) | 1.1373% | 3,847 |
| Net charge-offs to loans | -0.0028% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.1567% | 988 |
| Assets per employee ($millions) | 6.1058% | 2,677 |
| Cash dividends to net income (ytd only)* | 90.2527% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 4,080 |
| Loan loss allowance to noncurrent loans | 66.2178% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6505% | 767 |
| Noncurrent loans to loans | 1.2098% | 569 |
| Net loans and leases to total assets | 53.3400% | 3,249 |
| Net loans and leases to deposits | 58.1943% | 3,442 |
| Net loans and leases to core deposits | 59.2969% | 3,575 |
| Total domestic deposits to total assets | 91.6600% | 602 |
| Equity capital to assets | 7.4230% | 3,604 |
| Core capital (leverage) ratio | 9.0419% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7006% | 1,723 |
| Memoranda: | ||
| Average total assets | $264,994,000 | 2,641 |
| Average earning assets | $244,142,000 | 2,649 |
| Average equity | $18,992,500 | 2,978 |
| Average total loans | $142,720,000 | 2,776 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7314% | 2,450 |
| Cost of funding earning assets | 0.1297% | 4,232 |
| Net interest margin | 3.6017% | 1,641 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 3.0876% | 850 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6815% | 3,670 |
| Return on assets (ROA) | 0.6815% | 3,623 |
| Pretax return on assets | 0.7515% | 3,738 |
| Return on Equity (ROE) | 9.1600% | 3,080 |
| Retained earnings to average equity (ytd only) | -0.7004% | 4,421 |
| Net charge-offs to loans | 0.0034% | 2,341 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 409.8000% | 377 |
| Efficiency ratio | 80.4242% | 685 |
| Assets per employee ($millions) | 6.2195% | 2,576 |
| Cash dividends to net income (ytd only)* | 107.6426% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7847% | 4,067 |
| Loan loss allowance to noncurrent loans | 66.0058% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 776 |
| Noncurrent loans to loans | 1.1888% | 595 |
| Net loans and leases to total assets | 53.5200% | 3,240 |
| Net loans and leases to deposits | 58.0589% | 3,454 |
| Net loans and leases to core deposits | 58.8159% | 3,562 |
| Total domestic deposits to total assets | 92.1800% | 593 |
| Equity capital to assets | 6.9160% | 3,708 |
| Core capital (leverage) ratio | 8.8195% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4357% | 1,803 |
| Memoranda: | ||
| Average total assets | $272,639,000 | 2,591 |
| Average earning assets | $252,213,200 | 2,597 |
| Average equity | $20,273,400 | 2,933 |
| Average total loans | $145,563,800 | 2,673 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6465% | 2,204 |
| Cost of funding earning assets | 0.1292% | 4,042 |
| Net interest margin | 3.5173% | 1,616 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 3.0999% | 784 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6327% | 3,741 |
| Return on assets (ROA) | 0.6327% | 3,695 |
| Pretax return on assets | 0.7057% | 3,792 |
| Return on Equity (ROE) | 8.3700% | 3,208 |
| Retained earnings to average equity (ytd only) | -1.2871% | 4,444 |
| Net charge-offs to loans | 0.0018% | 2,227 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 725.0000% | 223 |
| Efficiency ratio | 81.4554% | 685 |
| Assets per employee ($millions) | 6.1526% | 2,623 |
| Cash dividends to net income (ytd only)* | 115.3846% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7692% | 4,145 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 54.0400% | 3,098 |
| Net loans and leases to deposits | 59.6600% | 3,227 |
| Net loans and leases to core deposits | 60.2437% | 3,364 |
| Total domestic deposits to total assets | 90.5800% | 1,411 |
| Equity capital to assets | 6.4703% | 3,755 |
| Core capital (leverage) ratio | 8.6923% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $273,939,250 | 2,601 |
| Average earning assets | $253,899,500 | 2,607 |
| Average equity | $20,717,750 | 2,930 |
| Average total loans | $145,889,500 | 2,672 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5084% | 2,116 |
| Cost of funding earning assets | 0.1301% | 3,838 |
| Net interest margin | 3.3784% | 1,665 |
| Noninterest income to average assets | 0.5672% | 1,878 |
| Noninterest expense to average assets | 3.1075% | 723 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5156% | 3,858 |
| Return on assets (ROA) | 0.5156% | 3,811 |
| Pretax return on assets | 0.5949% | 3,828 |
| Return on Equity (ROE) | 6.5091% | 3,445 |
| Retained earnings to average equity (ytd only) | -2.6716% | 4,433 |
| Net charge-offs to loans | 0.0055% | 1,805 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 204.5000% | 534 |
| Efficiency ratio | 83.9324% | 683 |
| Assets per employee ($millions) | 5.9933% | 2,751 |
| Cash dividends to net income (ytd only)* | 141.0437% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 4,201 |
| Loan loss allowance to noncurrent loans | 7,553.3333% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 3,994 |
| Noncurrent loans to loans | 0.0104% | 3,913 |
| Net loans and leases to total assets | 53.2799% | 3,036 |
| Net loans and leases to deposits | 60.1777% | 3,037 |
| Net loans and leases to core deposits | 60.7707% | 3,213 |
| Total domestic deposits to total assets | 88.5376% | 2,368 |
| Equity capital to assets | 7.2395% | 3,640 |
| Core capital (leverage) ratio | 9.0917% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,014,667 | 2,616 |
| Average earning assets | $255,212,667 | 2,631 |
| Average equity | $21,785,000 | 2,919 |
| Average total loans | $145,374,667 | 2,693 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3862% | 2,126 |
| Cost of funding earning assets | 0.1301% | 3,774 |
| Net interest margin | 3.2561% | 1,697 |
| Noninterest income to average assets | 0.5344% | 1,974 |
| Noninterest expense to average assets | 3.0828% | 701 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3832% | 3,993 |
| Return on assets (ROA) | 0.3832% | 3,956 |
| Pretax return on assets | 0.4811% | 3,901 |
| Return on Equity (ROE) | 4.6432% | 3,716 |
| Retained earnings to average equity (ytd only) | -4.0847% | 4,376 |
| Net charge-offs to loans | 0.0027% | 1,693 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 334.0000% | 293 |
| Efficiency ratio | 86.4996% | 709 |
| Assets per employee ($millions) | 6.2166% | 2,619 |
| Cash dividends to net income (ytd only)* | 187.9699% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 4,238 |
| Loan loss allowance to noncurrent loans | 5,680.0000% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,010 |
| Noncurrent loans to loans | 0.0141% | 3,908 |
| Net loans and leases to total assets | 51.4112% | 3,033 |
| Net loans and leases to deposits | 59.5157% | 2,952 |
| Net loans and leases to core deposits | 60.1087% | 3,133 |
| Total domestic deposits to total assets | 86.3826% | 3,139 |
| Equity capital to assets | 7.8192% | 3,711 |
| Core capital (leverage) ratio | 8.7797% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,672,000 | 2,609 |
| Average earning assets | $258,342,500 | 2,618 |
| Average equity | $22,915,000 | 2,913 |
| Average total loans | $145,647,500 | 2,684 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5153% | 2,612 |
| Cost of funding earning assets | 0.1678% | 3,797 |
| Net interest margin | 3.3475% | 2,180 |
| Noninterest income to average assets | 0.6130% | 2,100 |
| Noninterest expense to average assets | 2.9431% | 1,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7184% | 3,575 |
| Return on assets (ROA) | 0.7253% | 3,617 |
| Pretax return on assets | 0.7845% | 3,758 |
| Return on Equity (ROE) | 8.0239% | 3,215 |
| Retained earnings to average equity (ytd only) | 0.0834% | 4,463 |
| Net charge-offs to loans | 0.0020% | 2,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 721.6667% | 204 |
| Efficiency ratio | 79.1144% | 864 |
| Assets per employee ($millions) | 5.8711% | 2,888 |
| Cash dividends to net income (ytd only)* | 98.9609% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7604% | 4,326 |
| Loan loss allowance to noncurrent loans | 4,548.0000% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,063 |
| Noncurrent loans to loans | 0.0167% | 3,961 |
| Net loans and leases to total assets | 52.6578% | 2,988 |
| Net loans and leases to deposits | 62.2576% | 2,857 |
| Net loans and leases to core deposits | 62.9402% | 3,082 |
| Total domestic deposits to total assets | 84.5805% | 3,397 |
| Equity capital to assets | 8.6732% | 3,915 |
| Core capital (leverage) ratio | 8.6955% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,647,600 | 2,552 |
| Average earning assets | $258,642,800 | 2,556 |
| Average equity | $25,187,200 | 2,834 |
| Average total loans | $149,962,000 | 2,633 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5660% | 2,646 |
| Cost of funding earning assets | 0.1787% | 3,835 |
| Net interest margin | 3.3872% | 2,191 |
| Noninterest income to average assets | 0.6483% | 2,020 |
| Noninterest expense to average assets | 2.9381% | 1,064 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8474% | 3,398 |
| Return on assets (ROA) | 0.8575% | 3,430 |
| Pretax return on assets | 0.8575% | 3,778 |
| Return on Equity (ROE) | 9.3901% | 2,969 |
| Retained earnings to average equity (ytd only) | 1.5081% | 4,312 |
| Net charge-offs to loans | 0.0080% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 196.2222% | 560 |
| Efficiency ratio | 77.6144% | 908 |
| Assets per employee ($millions) | 5.7366% | 2,949 |
| Cash dividends to net income (ytd only)* | 83.9396% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7805% | 4,381 |
| Loan loss allowance to noncurrent loans | 14,125.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,255 |
| Noncurrent loans to loans | 0.0055% | 4,172 |
| Net loans and leases to total assets | 51.1037% | 3,290 |
| Net loans and leases to deposits | 61.2397% | 3,119 |
| Net loans and leases to core deposits | 61.9216% | 3,330 |
| Total domestic deposits to total assets | 83.4487% | 3,592 |
| Equity capital to assets | 8.9877% | 3,844 |
| Core capital (leverage) ratio | 8.7120% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,856,500 | 2,571 |
| Average earning assets | $257,351,000 | 2,586 |
| Average equity | $25,373,500 | 2,853 |
| Average total loans | $150,069,250 | 2,670 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5747% | 2,703 |
| Cost of funding earning assets | 0.1969% | 3,785 |
| Net interest margin | 3.3778% | 2,210 |
| Noninterest income to average assets | 0.6568% | 1,980 |
| Noninterest expense to average assets | 2.8854% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8960% | 3,230 |
| Return on assets (ROA) | 0.9112% | 3,266 |
| Pretax return on assets | 0.9112% | 3,636 |
| Return on Equity (ROE) | 9.9252% | 2,768 |
| Retained earnings to average equity (ytd only) | 2.0543% | 4,099 |
| Net charge-offs to loans | 0.0013% | 2,183 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,240.0000% | 101 |
| Efficiency ratio | 76.3042% | 1,057 |
| Assets per employee ($millions) | 6.0892% | 2,529 |
| Cash dividends to net income (ytd only)* | 79.3021% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 4,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 54.5319% | 3,076 |
| Net loans and leases to deposits | 66.0715% | 2,817 |
| Net loans and leases to core deposits | 66.7587% | 3,047 |
| Total domestic deposits to total assets | 82.5346% | 3,806 |
| Equity capital to assets | 9.2495% | 3,560 |
| Core capital (leverage) ratio | 8.9348% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,777,000 | 2,571 |
| Average earning assets | $256,021,667 | 2,586 |
| Average equity | $25,410,000 | 2,848 |
| Average total loans | $151,832,333 | 2,666 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5178% | 2,868 |
| Cost of funding earning assets | 0.2147% | 3,777 |
| Net interest margin | 3.3031% | 2,384 |
| Noninterest income to average assets | 0.6457% | 2,045 |
| Noninterest expense to average assets | 2.8789% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8197% | 3,353 |
| Return on assets (ROA) | 0.8197% | 3,427 |
| Pretax return on assets | 0.8197% | 3,774 |
| Return on Equity (ROE) | 8.9614% | 3,046 |
| Retained earnings to average equity (ytd only) | 1.1005% | 4,195 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8383% | 965 |
| Assets per employee ($millions) | 6.2777% | 2,344 |
| Cash dividends to net income (ytd only)* | 87.7193% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7646% | 4,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 4,049 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 52.3268% | 3,413 |
| Net loans and leases to deposits | 65.5220% | 2,973 |
| Net loans and leases to core deposits | 66.0599% | 3,233 |
| Total domestic deposits to total assets | 79.8613% | 4,222 |
| Equity capital to assets | 8.9477% | 3,735 |
| Core capital (leverage) ratio | 8.8049% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,157,500 | 2,554 |
| Average earning assets | $257,093,000 | 2,562 |
| Average equity | $25,442,500 | 2,844 |
| Average total loans | $152,466,500 | 2,660 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 1,410 |
| Cost of funding earning assets | 0.2821% | 4,234 |
| Net interest margin | 4.1780% | 671 |
| Noninterest income to average assets | 0.7634% | 1,643 |
| Noninterest expense to average assets | 3.2465% | 977 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.3654% | 1,096 |
| Return on assets (ROA) | 1.3654% | 1,186 |
| Pretax return on assets | 1.3654% | 1,768 |
| Return on Equity (ROE) | 14.1965% | 764 |
| Retained earnings to average equity (ytd only) | 6.0842% | 1,757 |
| Net charge-offs to loans | -0.0348% | 4,582 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3942% | 1,897 |
| Assets per employee ($millions) | 5.9526% | 2,380 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7303% | 4,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 4,111 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 56.5461% | 3,245 |
| Net loans and leases to deposits | 71.8974% | 2,694 |
| Net loans and leases to core deposits | 72.3797% | 3,041 |
| Total domestic deposits to total assets | 78.6483% | 4,244 |
| Equity capital to assets | 9.3522% | 3,737 |
| Core capital (leverage) ratio | 9.2390% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,338,400 | 2,536 |
| Average earning assets | $236,116,600 | 2,546 |
| Average equity | $24,654,000 | 2,830 |
| Average total loans | $158,246,000 | 2,576 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6775% | 1,112 |
| Cost of funding earning assets | 0.2765% | 4,408 |
| Net interest margin | 4.4010% | 471 |
| Noninterest income to average assets | 0.8763% | 1,292 |
| Noninterest expense to average assets | 3.1850% | 1,095 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.7430% | 521 |
| Return on assets (ROA) | 1.7430% | 580 |
| Pretax return on assets | 1.7430% | 884 |
| Return on Equity (ROE) | 17.9881% | 362 |
| Retained earnings to average equity (ytd only) | 9.7968% | 806 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6301% | 2,643 |
| Assets per employee ($millions) | 6.3046% | 1,992 |
| Cash dividends to net income (ytd only)* | 45.5373% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6531% | 4,660 |
| Loan loss allowance to noncurrent loans | 10,840.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 4,062 |
| Noncurrent loans to loans | 0.0060% | 4,430 |
| Net loans and leases to total assets | 58.1248% | 3,403 |
| Net loans and leases to deposits | 79.6194% | 2,357 |
| Net loans and leases to core deposits | 80.6715% | 2,787 |
| Total domestic deposits to total assets | 73.0033% | 4,636 |
| Equity capital to assets | 9.1595% | 3,989 |
| Core capital (leverage) ratio | 9.5181% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,968,250 | 2,549 |
| Average earning assets | $231,970,000 | 2,563 |
| Average equity | $24,415,500 | 2,839 |
| Average total loans | $158,814,250 | 2,582 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0917% | 696 |
| Cost of funding earning assets | 0.2970% | 4,492 |
| Net interest margin | 4.7948% | 284 |
| Noninterest income to average assets | 0.7473% | 1,585 |
| Noninterest expense to average assets | 3.3688% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7797% | 525 |
| Return on assets (ROA) | 1.7797% | 575 |
| Pretax return on assets | 1.7797% | 844 |
| Return on Equity (ROE) | 17.9809% | 368 |
| Retained earnings to average equity (ytd only) | 9.6099% | 859 |
| Net charge-offs to loans | 0.0064% | 2,738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 429.6000% | 233 |
| Efficiency ratio | 65.4329% | 2,598 |
| Assets per employee ($millions) | 6.1978% | 2,025 |
| Cash dividends to net income (ytd only)* | 46.5549% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6390% | 4,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 4,167 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 60.1591% | 3,304 |
| Net loans and leases to deposits | 82.1045% | 2,197 |
| Net loans and leases to core deposits | 83.2443% | 2,670 |
| Total domestic deposits to total assets | 73.2713% | 4,638 |
| Equity capital to assets | 9.1037% | 3,995 |
| Core capital (leverage) ratio | 9.8003% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,389,333 | 2,595 |
| Average earning assets | $221,575,000 | 2,619 |
| Average equity | $23,892,000 | 2,861 |
| Average total loans | $156,423,333 | 2,600 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 1,524 |
| Cost of funding earning assets | 0.3442% | 4,536 |
| Net interest margin | 4.4178% | 602 |
| Noninterest income to average assets | 0.6738% | 1,757 |
| Noninterest expense to average assets | 3.8017% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9073% | 2,501 |
| Return on assets (ROA) | 0.9073% | 2,607 |
| Pretax return on assets | 0.9073% | 3,116 |
| Return on Equity (ROE) | 8.7283% | 2,219 |
| Retained earnings to average equity (ytd only) | 0.0864% | 3,970 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7325% | 1,067 |
| Assets per employee ($millions) | 4.7992% | 2,874 |
| Cash dividends to net income (ytd only)* | 99.0099% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 4,583 |
| Loan loss allowance to noncurrent loans | 5,425.0000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 4,118 |
| Noncurrent loans to loans | 0.0132% | 4,516 |
| Net loans and leases to total assets | 68.2675% | 2,503 |
| Net loans and leases to deposits | 85.3040% | 2,080 |
| Net loans and leases to core deposits | 86.5557% | 2,638 |
| Total domestic deposits to total assets | 80.0284% | 3,854 |
| Equity capital to assets | 10.4052% | 3,413 |
| Core capital (leverage) ratio | 10.2271% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,634,500 | 2,693 |
| Average earning assets | $203,359,000 | 2,721 |
| Average equity | $23,143,000 | 2,912 |
| Average total loans | $150,204,000 | 2,637 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7765% | 2,115 |
| Cost of funding earning assets | 0.3589% | 4,574 |
| Net interest margin | 4.4176% | 864 |
| Noninterest income to average assets | 0.7439% | 1,652 |
| Noninterest expense to average assets | 3.4828% | 984 |
| Loan and lease loss provision to assets | 0.0884% | 2,252 |
| Net operating income to assets | 1.1872% | 2,105 |
| Return on assets (ROA) | 1.1867% | 2,205 |
| Pretax return on assets | 1.1867% | 2,884 |
| Return on Equity (ROE) | 11.8935% | 1,555 |
| Retained earnings to average equity (ytd only) | 3.0343% | 3,511 |
| Net charge-offs to loans | 0.0778% | 1,990 |
| Credit loss provision to net charge-offs | 173.9130% | 1,492 |
| Earnings coverage of net charge-offs (x) | 25.0957% | 1,743 |
| Efficiency ratio | 73.1934% | 1,702 |
| Assets per employee ($millions) | 4.8805% | 2,731 |
| Cash dividends to net income (ytd only)* | 74.4879% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7301% | 4,507 |
| Loan loss allowance to noncurrent loans | 54,250.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 4,183 |
| Noncurrent loans to loans | 0.0013% | 4,612 |
| Net loans and leases to total assets | 65.7126% | 2,983 |
| Net loans and leases to deposits | 82.3502% | 2,517 |
| Net loans and leases to core deposits | 83.8094% | 2,969 |
| Total domestic deposits to total assets | 79.7964% | 4,019 |
| Equity capital to assets | 10.3851% | 3,556 |
| Core capital (leverage) ratio | 10.1344% | 3,372 |
| Tier 1 risk-based capital ratio | 13.5165% | 3,512 |
| Total risk-based capital ratio | 14.1611% | 3,714 |
| Memoranda: | ||
| Average total assets | $226,252,400 | 2,610 |
| Average earning assets | $205,610,200 | 2,650 |
| Average equity | $22,575,400 | 2,905 |
| Average total loans | $147,835,400 | 2,643 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 2,244 |
| Cost of funding earning assets | 0.3500% | 4,657 |
| Net interest margin | 4.4107% | 924 |
| Noninterest income to average assets | 0.6117% | 2,140 |
| Noninterest expense to average assets | 3.4666% | 985 |
| Loan and lease loss provision to assets | 0.1000% | 1,921 |
| Net operating income to assets | 1.0481% | 2,791 |
| Return on assets (ROA) | 1.0475% | 2,881 |
| Pretax return on assets | 1.0475% | 3,454 |
| Return on Equity (ROE) | 10.6054% | 2,167 |
| Retained earnings to average equity (ytd only) | 1.6733% | 4,372 |
| Net charge-offs to loans | 0.0072% | 3,121 |
| Credit loss provision to net charge-offs | 2,125.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 243.9175% | 382 |
| Efficiency ratio | 75.1211% | 1,433 |
| Assets per employee ($millions) | 5.1714% | 2,372 |
| Cash dividends to net income (ytd only)* | 84.2223% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7663% | 4,506 |
| Loan loss allowance to noncurrent loans | 323.0556% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 3,142 |
| Noncurrent loans to loans | 0.2372% | 3,691 |
| Net loans and leases to total assets | 66.1884% | 3,024 |
| Net loans and leases to deposits | 83.4758% | 2,510 |
| Net loans and leases to core deposits | 85.0719% | 2,986 |
| Total domestic deposits to total assets | 79.2905% | 4,123 |
| Equity capital to assets | 10.0996% | 3,920 |
| Core capital (leverage) ratio | 9.7427% | 3,918 |
| Tier 1 risk-based capital ratio | 13.1195% | 3,785 |
| Total risk-based capital ratio | 13.8023% | 3,987 |
| Memoranda: | ||
| Average total assets | $226,689,250 | 2,629 |
| Average earning assets | $205,735,000 | 2,666 |
| Average equity | $22,390,500 | 2,946 |
| Average total loans | $147,641,000 | 2,672 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 2,447 |
| Cost of funding earning assets | 0.3147% | 4,790 |
| Net interest margin | 4.3565% | 1,022 |
| Noninterest income to average assets | 0.5998% | 2,156 |
| Noninterest expense to average assets | 3.4805% | 981 |
| Loan and lease loss provision to assets | 0.0892% | 2,060 |
| Net operating income to assets | 0.9797% | 2,995 |
| Return on assets (ROA) | 0.9779% | 3,071 |
| Pretax return on assets | 0.9779% | 3,622 |
| Return on Equity (ROE) | 9.9758% | 2,401 |
| Retained earnings to average equity (ytd only) | 0.9642% | 4,446 |
| Net charge-offs to loans | 0.0123% | 2,695 |
| Credit loss provision to net charge-offs | 1,122.2222% | 310 |
| Earnings coverage of net charge-offs (x) | 134.4444% | 546 |
| Efficiency ratio | 76.5049% | 1,333 |
| Assets per employee ($millions) | 5.3331% | 2,115 |
| Cash dividends to net income (ytd only)* | 90.3342% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7006% | 4,711 |
| Loan loss allowance to noncurrent loans | 197.6492% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 2,503 |
| Noncurrent loans to loans | 0.3545% | 3,274 |
| Net loans and leases to total assets | 66.0174% | 3,103 |
| Net loans and leases to deposits | 84.6697% | 2,411 |
| Net loans and leases to core deposits | 86.1429% | 2,948 |
| Total domestic deposits to total assets | 77.9705% | 4,403 |
| Equity capital to assets | 9.6924% | 4,239 |
| Core capital (leverage) ratio | 10.1509% | 3,442 |
| Tier 1 risk-based capital ratio | 12.7310% | 3,994 |
| Total risk-based capital ratio | 13.3586% | 4,242 |
| Memoranda: | ||
| Average total assets | $226,404,670 | 2,639 |
| Average earning assets | $205,254,330 | 2,685 |
| Average equity | $22,193,670 | 2,957 |
| Average total loans | $146,264,670 | 2,696 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4915% | 2,902 |
| Cost of funding earning assets | 0.2733% | 4,922 |
| Net interest margin | 4.2182% | 1,268 |
| Noninterest income to average assets | 0.5633% | 2,213 |
| Noninterest expense to average assets | 3.5577% | 893 |
| Loan and lease loss provision to assets | 0.1350% | 1,285 |
| Net operating income to assets | 0.7306% | 3,844 |
| Return on assets (ROA) | 0.7270% | 3,902 |
| Pretax return on assets | 0.7270% | 4,237 |
| Return on Equity (ROE) | 7.3728% | 3,517 |
| Retained earnings to average equity (ytd only) | -1.7519% | 4,726 |
| Net charge-offs to loans | 0.0113% | 2,284 |
| Credit loss provision to net charge-offs | 1,875.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 120.2500% | 591 |
| Efficiency ratio | 80.4312% | 1,015 |
| Assets per employee ($millions) | 4.6529% | 2,979 |
| Cash dividends to net income (ytd only)* | 123.7624% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7478% | 4,667 |
| Loan loss allowance to noncurrent loans | 193.8517% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 2,213 |
| Noncurrent loans to loans | 0.3858% | 3,201 |
| Net loans and leases to total assets | 66.4768% | 2,978 |
| Net loans and leases to deposits | 79.4274% | 2,902 |
| Net loans and leases to core deposits | 80.8403% | 3,286 |
| Total domestic deposits to total assets | 83.6951% | 3,150 |
| Equity capital to assets | 10.3423% | 3,482 |
| Core capital (leverage) ratio | 10.0020% | 3,604 |
| Tier 1 risk-based capital ratio | 13.1927% | 3,779 |
| Total risk-based capital ratio | 13.8364% | 3,993 |
| Memoranda: | ||
| Average total assets | $222,278,000 | 2,708 |
| Average earning assets | $203,406,500 | 2,730 |
| Average equity | $21,918,500 | 2,982 |
| Average total loans | $141,393,000 | 2,782 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 3,017 |
| Cost of funding earning assets | 0.2421% | 4,837 |
| Net interest margin | 4.0854% | 1,730 |
| Noninterest income to average assets | 0.6285% | 2,156 |
| Noninterest expense to average assets | 3.2451% | 1,441 |
| Loan and lease loss provision to assets | 0.1103% | 1,990 |
| Net operating income to assets | 0.9963% | 3,026 |
| Return on assets (ROA) | 0.9985% | 3,007 |
| Pretax return on assets | 0.9985% | 3,607 |
| Return on Equity (ROE) | 10.4649% | 2,311 |
| Retained earnings to average equity (ytd only) | 1.1421% | 4,669 |
| Net charge-offs to loans | 0.2054% | 932 |
| Credit loss provision to net charge-offs | 86.4111% | 2,764 |
| Earnings coverage of net charge-offs (x) | 8.6690% | 2,879 |
| Efficiency ratio | 74.5707% | 1,555 |
| Assets per employee ($millions) | 5.0113% | 2,489 |
| Cash dividends to net income (ytd only)* | 89.0869% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7179% | 4,764 |
| Loan loss allowance to noncurrent loans | 513.3333% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4208% | 2,878 |
| Noncurrent loans to loans | 0.1399% | 4,113 |
| Net loans and leases to total assets | 60.0507% | 3,770 |
| Net loans and leases to deposits | 76.1789% | 3,336 |
| Net loans and leases to core deposits | 77.5106% | 3,614 |
| Total domestic deposits to total assets | 78.8285% | 4,342 |
| Equity capital to assets | 9.4139% | 4,202 |
| Core capital (leverage) ratio | 9.7945% | 3,804 |
| Tier 1 risk-based capital ratio | 13.5836% | 3,503 |
| Total risk-based capital ratio | 14.1998% | 3,760 |
| Memoranda: | ||
| Average total assets | $224,834,600 | 2,652 |
| Average earning assets | $204,898,000 | 2,680 |
| Average equity | $21,452,600 | 2,944 |
| Average total loans | $139,725,200 | 2,771 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 3,063 |
| Cost of funding earning assets | 0.2366% | 4,861 |
| Net interest margin | 4.0375% | 1,834 |
| Noninterest income to average assets | 0.6254% | 2,187 |
| Noninterest expense to average assets | 3.3766% | 1,155 |
| Loan and lease loss provision to assets | 0.0179% | 3,658 |
| Net operating income to assets | 0.9071% | 3,495 |
| Return on assets (ROA) | 0.9101% | 3,487 |
| Pretax return on assets | 0.9101% | 3,988 |
| Return on Equity (ROE) | 9.5055% | 2,843 |
| Retained earnings to average equity (ytd only) | 0.1558% | 5,008 |
| Net charge-offs to loans | 0.0343% | 2,400 |
| Credit loss provision to net charge-offs | 83.3333% | 2,491 |
| Earnings coverage of net charge-offs (x) | 43.0546% | 1,292 |
| Efficiency ratio | 78.4961% | 1,071 |
| Assets per employee ($millions) | 4.8702% | 2,634 |
| Cash dividends to net income (ytd only)* | 98.3608% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7417% | 4,775 |
| Loan loss allowance to noncurrent loans | 519.5980% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5062% | 2,686 |
| Noncurrent loans to loans | 0.1427% | 4,243 |
| Net loans and leases to total assets | 61.7658% | 3,680 |
| Net loans and leases to deposits | 76.4436% | 3,372 |
| Net loans and leases to core deposits | 77.6777% | 3,682 |
| Total domestic deposits to total assets | 80.7992% | 3,916 |
| Equity capital to assets | 9.3993% | 4,180 |
| Core capital (leverage) ratio | 9.8000% | 3,844 |
| Tier 1 risk-based capital ratio | 13.0888% | 3,854 |
| Total risk-based capital ratio | 13.7083% | 4,110 |
| Memoranda: | ||
| Average total assets | $223,412,750 | 2,681 |
| Average earning assets | $203,421,250 | 2,714 |
| Average equity | $21,390,500 | 2,962 |
| Average total loans | $139,798,750 | 2,784 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 3,077 |
| Cost of funding earning assets | 0.2305% | 4,852 |
| Net interest margin | 3.9830% | 1,917 |
| Noninterest income to average assets | 0.6218% | 2,220 |
| Noninterest expense to average assets | 3.3234% | 1,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9184% | 3,385 |
| Return on assets (ROA) | 0.9229% | 3,355 |
| Pretax return on assets | 0.9265% | 3,883 |
| Return on Equity (ROE) | 9.5807% | 2,761 |
| Retained earnings to average equity (ytd only) | 0.2790% | 4,911 |
| Net charge-offs to loans | 0.0443% | 1,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 33.1935% | 1,421 |
| Efficiency ratio | 78.2820% | 1,175 |
| Assets per employee ($millions) | 4.8868% | 2,580 |
| Cash dividends to net income (ytd only)* | 97.0874% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7049% | 4,936 |
| Loan loss allowance to noncurrent loans | 127.5949% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5191% | 2,679 |
| Noncurrent loans to loans | 0.5525% | 2,758 |
| Net loans and leases to total assets | 63.1611% | 3,497 |
| Net loans and leases to deposits | 74.7358% | 3,463 |
| Net loans and leases to core deposits | 77.3429% | 3,634 |
| Total domestic deposits to total assets | 84.5126% | 2,867 |
| Equity capital to assets | 9.4633% | 4,141 |
| Core capital (leverage) ratio | 10.2987% | 3,238 |
| Tier 1 risk-based capital ratio | 13.0846% | 3,857 |
| Total risk-based capital ratio | 13.6882% | 4,115 |
| Memoranda: | ||
| Average total assets | $223,208,000 | 2,697 |
| Average earning assets | $203,061,670 | 2,726 |
| Average equity | $21,501,670 | 2,967 |
| Average total loans | $139,929,670 | 2,794 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0512% | 3,410 |
| Cost of funding earning assets | 0.2268% | 4,854 |
| Net interest margin | 3.8244% | 2,320 |
| Noninterest income to average assets | 0.6474% | 2,039 |
| Noninterest expense to average assets | 3.3253% | 1,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8328% | 3,583 |
| Return on assets (ROA) | 0.8417% | 3,563 |
| Pretax return on assets | 0.8489% | 4,016 |
| Return on Equity (ROE) | 8.6603% | 3,082 |
| Retained earnings to average equity (ytd only) | -0.5922% | 4,871 |
| Net charge-offs to loans | 0.0145% | 2,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 93.4000% | 645 |
| Efficiency ratio | 79.8359% | 1,160 |
| Assets per employee ($millions) | 4.8560% | 2,670 |
| Cash dividends to net income (ytd only)* | 106.8376% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 4,927 |
| Loan loss allowance to noncurrent loans | 91.1013% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 2,752 |
| Noncurrent loans to loans | 0.8194% | 2,178 |
| Net loans and leases to total assets | 64.3446% | 3,267 |
| Net loans and leases to deposits | 73.6384% | 3,449 |
| Net loans and leases to core deposits | 76.5581% | 3,619 |
| Total domestic deposits to total assets | 87.3791% | 1,963 |
| Equity capital to assets | 9.9859% | 3,609 |
| Core capital (leverage) ratio | 10.0625% | 3,460 |
| Tier 1 risk-based capital ratio | 13.5343% | 3,639 |
| Total risk-based capital ratio | 14.1766% | 3,880 |
| Memoranda: | ||
| Average total assets | $222,414,500 | 2,731 |
| Average earning assets | $204,579,500 | 2,743 |
| Average equity | $21,616,000 | 2,988 |
| Average total loans | $138,399,000 | 2,836 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 2,825 |
| Cost of funding earning assets | 0.2383% | 4,661 |
| Net interest margin | 3.9248% | 2,009 |
| Noninterest income to average assets | 0.7186% | 1,890 |
| Noninterest expense to average assets | 3.2093% | 1,586 |
| Loan and lease loss provision to assets | 0.1041% | 2,150 |
| Net operating income to assets | 0.9946% | 2,272 |
| Return on assets (ROA) | 0.9946% | 2,304 |
| Pretax return on assets | 0.9946% | 3,594 |
| Return on Equity (ROE) | 10.0881% | 1,845 |
| Retained earnings to average equity (ytd only) | 0.1123% | 4,966 |
| Net charge-offs to loans | 0.1779% | 1,406 |
| Credit loss provision to net charge-offs | 93.2540% | 2,724 |
| Earnings coverage of net charge-offs (x) | 9.8413% | 2,741 |
| Efficiency ratio | 74.4961% | 1,827 |
| Assets per employee ($millions) | 5.2538% | 2,197 |
| Cash dividends to net income (ytd only)* | 98.8864% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7521% | 4,947 |
| Loan loss allowance to noncurrent loans | 116.5919% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 2,867 |
| Noncurrent loans to loans | 0.6450% | 2,613 |
| Net loans and leases to total assets | 59.3701% | 3,895 |
| Net loans and leases to deposits | 68.1846% | 4,013 |
| Net loans and leases to core deposits | 70.6831% | 4,130 |
| Total domestic deposits to total assets | 87.0725% | 1,958 |
| Equity capital to assets | 9.4719% | 4,251 |
| Core capital (leverage) ratio | 9.4191% | 4,138 |
| Tier 1 risk-based capital ratio | 13.3791% | 3,701 |
| Total risk-based capital ratio | 14.0168% | 3,948 |
| Memoranda: | ||
| Average total assets | $225,720,000 | 2,677 |
| Average earning assets | $206,429,400 | 2,710 |
| Average equity | $22,254,000 | 2,927 |
| Average total loans | $141,672,800 | 2,754 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1769% | 2,699 |
| Cost of funding earning assets | 0.2381% | 4,668 |
| Net interest margin | 3.9388% | 1,901 |
| Noninterest income to average assets | 0.7702% | 1,702 |
| Noninterest expense to average assets | 3.2536% | 1,450 |
| Loan and lease loss provision to assets | 0.1040% | 2,028 |
| Net operating income to assets | 1.0109% | 2,511 |
| Return on assets (ROA) | 1.0109% | 2,552 |
| Pretax return on assets | 1.0109% | 3,644 |
| Return on Equity (ROE) | 10.1503% | 2,057 |
| Retained earnings to average equity (ytd only) | 1.1994% | 4,923 |
| Net charge-offs to loans | 0.2638% | 822 |
| Credit loss provision to net charge-offs | 62.0567% | 2,782 |
| Earnings coverage of net charge-offs (x) | 6.6525% | 2,961 |
| Efficiency ratio | 74.4797% | 1,818 |
| Assets per employee ($millions) | 4.7631% | 2,740 |
| Cash dividends to net income (ytd only)* | 88.1835% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6768% | 5,192 |
| Loan loss allowance to noncurrent loans | 169.1622% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 3,527 |
| Noncurrent loans to loans | 0.4001% | 3,513 |
| Net loans and leases to total assets | 60.9183% | 3,776 |
| Net loans and leases to deposits | 70.4583% | 3,923 |
| Net loans and leases to core deposits | 73.1866% | 4,045 |
| Total domestic deposits to total assets | 86.4602% | 2,111 |
| Equity capital to assets | 9.8789% | 4,050 |
| Core capital (leverage) ratio | 9.7264% | 3,903 |
| Tier 1 risk-based capital ratio | 13.9151% | 3,486 |
| Total risk-based capital ratio | 14.5155% | 3,759 |
| Memoranda: | ||
| Average total assets | $224,358,250 | 2,710 |
| Average earning assets | $204,964,500 | 2,741 |
| Average equity | $22,343,500 | 2,937 |
| Average total loans | $142,520,000 | 2,761 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2012% | 2,470 |
| Cost of funding earning assets | 0.2343% | 4,689 |
| Net interest margin | 3.9669% | 1,721 |
| Noninterest income to average assets | 0.6074% | 2,424 |
| Noninterest expense to average assets | 3.2754% | 1,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9465% | 2,681 |
| Return on assets (ROA) | 0.9465% | 2,739 |
| Pretax return on assets | 0.9465% | 3,778 |
| Return on Equity (ROE) | 9.4777% | 2,285 |
| Retained earnings to average equity (ytd only) | 0.4941% | 4,979 |
| Net charge-offs to loans | 0.0726% | 1,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 20.2885% | 1,801 |
| Efficiency ratio | 77.5818% | 1,519 |
| Assets per employee ($millions) | 4.7756% | 2,682 |
| Cash dividends to net income (ytd only)* | 94.7867% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6959% | 5,223 |
| Loan loss allowance to noncurrent loans | 130.6892% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4751% | 3,204 |
| Noncurrent loans to loans | 0.5325% | 3,164 |
| Net loans and leases to total assets | 62.5635% | 3,564 |
| Net loans and leases to deposits | 71.5412% | 3,782 |
| Net loans and leases to core deposits | 74.2694% | 3,918 |
| Total domestic deposits to total assets | 87.4511% | 1,746 |
| Equity capital to assets | 9.8333% | 4,102 |
| Core capital (leverage) ratio | 10.0561% | 3,465 |
| Tier 1 risk-based capital ratio | 13.5402% | 3,681 |
| Total risk-based capital ratio | 14.1630% | 3,971 |
| Memoranda: | ||
| Average total assets | $222,934,670 | 2,742 |
| Average earning assets | $203,131,330 | 2,774 |
| Average equity | $22,262,670 | 2,946 |
| Average total loans | $143,284,670 | 2,754 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 2,489 |
| Cost of funding earning assets | 0.2339% | 4,682 |
| Net interest margin | 3.9123% | 1,737 |
| Noninterest income to average assets | 0.5605% | 2,608 |
| Noninterest expense to average assets | 3.3651% | 1,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7880% | 3,277 |
| Return on assets (ROA) | 0.7880% | 3,328 |
| Pretax return on assets | 0.7880% | 4,154 |
| Return on Equity (ROE) | 7.8288% | 3,007 |
| Retained earnings to average equity (ytd only) | -1.2114% | 5,098 |
| Net charge-offs to loans | 0.1654% | 982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.3390% | 2,144 |
| Efficiency ratio | 81.0254% | 1,254 |
| Assets per employee ($millions) | 4.6367% | 2,944 |
| Cash dividends to net income (ytd only)* | 115.4734% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 5,308 |
| Loan loss allowance to noncurrent loans | 241.6465% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 3,231 |
| Noncurrent loans to loans | 0.2897% | 4,077 |
| Net loans and leases to total assets | 64.9646% | 3,122 |
| Net loans and leases to deposits | 73.8207% | 3,424 |
| Net loans and leases to core deposits | 77.2940% | 3,533 |
| Total domestic deposits to total assets | 88.0032% | 1,711 |
| Equity capital to assets | 10.1751% | 3,536 |
| Core capital (leverage) ratio | 9.9494% | 3,567 |
| Tier 1 risk-based capital ratio | 13.7217% | 3,654 |
| Total risk-based capital ratio | 14.3520% | 3,924 |
| Memoranda: | ||
| Average total assets | $219,786,500 | 2,794 |
| Average earning assets | $201,827,500 | 2,815 |
| Average equity | $22,123,500 | 2,974 |
| Average total loans | $142,717,000 | 2,775 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 2,388 |
| Cost of funding earning assets | 0.2397% | 4,657 |
| Net interest margin | 3.9898% | 1,659 |
| Noninterest income to average assets | 0.7697% | 1,881 |
| Noninterest expense to average assets | 3.3051% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1351% | 1,746 |
| Return on assets (ROA) | 1.1543% | 1,774 |
| Pretax return on assets | 1.1561% | 2,869 |
| Return on Equity (ROE) | 11.4609% | 1,417 |
| Retained earnings to average equity (ytd only) | 2.6108% | 4,035 |
| Net charge-offs to loans | 0.0914% | 2,396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 19.7752% | 1,899 |
| Efficiency ratio | 74.4055% | 2,241 |
| Assets per employee ($millions) | 4.7159% | 2,764 |
| Cash dividends to net income (ytd only)* | 77.2201% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7399% | 5,270 |
| Loan loss allowance to noncurrent loans | 116.5380% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5712% | 3,024 |
| Noncurrent loans to loans | 0.6349% | 2,951 |
| Net loans and leases to total assets | 63.9776% | 3,361 |
| Net loans and leases to deposits | 72.5538% | 3,653 |
| Net loans and leases to core deposits | 75.7166% | 3,769 |
| Total domestic deposits to total assets | 88.1795% | 1,545 |
| Equity capital to assets | 9.9586% | 3,761 |
| Core capital (leverage) ratio | 9.9509% | 3,550 |
| Tier 1 risk-based capital ratio | 13.6293% | 3,691 |
| Total risk-based capital ratio | 14.2903% | 3,957 |
| Memoranda: | ||
| Average total assets | $224,383,400 | 2,719 |
| Average earning assets | $206,525,800 | 2,725 |
| Average equity | $22,598,600 | 2,932 |
| Average total loans | $141,134,400 | 2,766 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 2,541 |
| Cost of funding earning assets | 0.2417% | 4,683 |
| Net interest margin | 3.9511% | 1,814 |
| Noninterest income to average assets | 0.7950% | 1,784 |
| Noninterest expense to average assets | 3.3536% | 1,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0711% | 2,113 |
| Return on assets (ROA) | 1.0965% | 2,116 |
| Pretax return on assets | 1.0989% | 3,238 |
| Return on Equity (ROE) | 10.8576% | 1,723 |
| Retained earnings to average equity (ytd only) | 2.0589% | 4,661 |
| Net charge-offs to loans | 0.0900% | 2,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 19.0742% | 1,960 |
| Efficiency ratio | 75.7527% | 2,014 |
| Assets per employee ($millions) | 4.7057% | 2,742 |
| Cash dividends to net income (ytd only)* | 81.0372% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7735% | 5,262 |
| Loan loss allowance to noncurrent loans | 138.6768% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 3,330 |
| Noncurrent loans to loans | 0.5578% | 3,324 |
| Net loans and leases to total assets | 63.2210% | 3,495 |
| Net loans and leases to deposits | 72.5767% | 3,747 |
| Net loans and leases to core deposits | 75.7870% | 3,862 |
| Total domestic deposits to total assets | 87.1093% | 1,849 |
| Equity capital to assets | 10.3799% | 3,706 |
| Core capital (leverage) ratio | 9.7128% | 3,921 |
| Tier 1 risk-based capital ratio | 13.6074% | 3,799 |
| Total risk-based capital ratio | 14.2955% | 4,044 |
| Memoranda: | ||
| Average total assets | $225,067,250 | 2,721 |
| Average earning assets | $206,888,250 | 2,731 |
| Average equity | $22,730,000 | 2,942 |
| Average total loans | $140,702,500 | 2,770 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1758% | 2,583 |
| Cost of funding earning assets | 0.2403% | 4,752 |
| Net interest margin | 3.9355% | 1,856 |
| Noninterest income to average assets | 0.9436% | 1,257 |
| Noninterest expense to average assets | 3.4820% | 1,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0752% | 2,066 |
| Return on assets (ROA) | 1.1132% | 2,029 |
| Pretax return on assets | 1.1168% | 3,133 |
| Return on Equity (ROE) | 11.1237% | 1,596 |
| Retained earnings to average equity (ytd only) | 2.2954% | 4,415 |
| Net charge-offs to loans | 0.0341% | 2,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 50.8750% | 983 |
| Efficiency ratio | 76.3464% | 2,035 |
| Assets per employee ($millions) | 4.5533% | 2,931 |
| Cash dividends to net income (ytd only)* | 79.3651% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8087% | 5,261 |
| Loan loss allowance to noncurrent loans | 198.2935% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 3,590 |
| Noncurrent loans to loans | 0.4078% | 3,897 |
| Net loans and leases to total assets | 63.8777% | 3,379 |
| Net loans and leases to deposits | 73.0026% | 3,701 |
| Net loans and leases to core deposits | 76.4945% | 3,782 |
| Total domestic deposits to total assets | 87.5006% | 1,666 |
| Equity capital to assets | 10.2903% | 3,875 |
| Core capital (leverage) ratio | 9.7114% | 3,918 |
| Tier 1 risk-based capital ratio | 13.3986% | 3,966 |
| Total risk-based capital ratio | 14.1240% | 4,189 |
| Memoranda: | ||
| Average total assets | $226,367,330 | 2,721 |
| Average earning assets | $208,054,000 | 2,733 |
| Average equity | $22,654,330 | 2,959 |
| Average total loans | $140,632,000 | 2,781 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1392% | 2,687 |
| Cost of funding earning assets | 0.2433% | 4,771 |
| Net interest margin | 3.8959% | 1,946 |
| Noninterest income to average assets | 0.5948% | 2,565 |
| Noninterest expense to average assets | 3.3334% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8228% | 3,133 |
| Return on assets (ROA) | 0.8228% | 3,258 |
| Pretax return on assets | 0.8298% | 4,103 |
| Return on Equity (ROE) | 8.3370% | 2,746 |
| Retained earnings to average equity (ytd only) | -0.5511% | 5,210 |
| Net charge-offs to loans | 0.0431% | 2,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 31.5333% | 1,154 |
| Efficiency ratio | 80.0674% | 1,597 |
| Assets per employee ($millions) | 4.5766% | 2,940 |
| Cash dividends to net income (ytd only)* | 106.6098% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8367% | 5,267 |
| Loan loss allowance to noncurrent loans | 179.3262% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 3,548 |
| Noncurrent loans to loans | 0.4666% | 3,778 |
| Net loans and leases to total assets | 61.8838% | 3,548 |
| Net loans and leases to deposits | 70.2868% | 3,833 |
| Net loans and leases to core deposits | 73.6077% | 3,931 |
| Total domestic deposits to total assets | 88.0448% | 1,615 |
| Equity capital to assets | 10.0716% | 3,986 |
| Core capital (leverage) ratio | 9.3632% | 4,407 |
| Tier 1 risk-based capital ratio | 13.4631% | 3,998 |
| Total risk-based capital ratio | 14.2077% | 4,213 |
| Memoranda: | ||
| Average total assets | $227,994,000 | 2,710 |
| Average earning assets | $208,833,500 | 2,733 |
| Average equity | $22,502,000 | 2,970 |
| Average total loans | $139,107,000 | 2,802 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1636% | 2,695 |
| Cost of funding earning assets | 0.2635% | 4,659 |
| Net interest margin | 3.9002% | 2,031 |
| Noninterest income to average assets | 0.5395% | 3,081 |
| Noninterest expense to average assets | 3.0838% | 2,285 |
| Loan and lease loss provision to assets | 0.0196% | 4,010 |
| Net operating income to assets | 1.0218% | 2,249 |
| Return on assets (ROA) | 1.0310% | 2,294 |
| Pretax return on assets | 1.0314% | 3,343 |
| Return on Equity (ROE) | 10.0509% | 1,990 |
| Retained earnings to average equity (ytd only) | -4.8173% | 5,908 |
| Net charge-offs to loans | 0.0076% | 4,176 |
| Credit loss provision to net charge-offs | 450.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 239.1000% | 294 |
| Efficiency ratio | 74.7465% | 2,470 |
| Assets per employee ($millions) | 4.8278% | 2,564 |
| Cash dividends to net income (ytd only)* | 147.9290% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 5,241 |
| Loan loss allowance to noncurrent loans | 197.0100% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 3,727 |
| Noncurrent loans to loans | 0.4354% | 3,907 |
| Net loans and leases to total assets | 59.1540% | 3,947 |
| Net loans and leases to deposits | 66.5282% | 4,268 |
| Net loans and leases to core deposits | 69.6223% | 4,323 |
| Total domestic deposits to total assets | 88.9157% | 1,159 |
| Equity capital to assets | 9.6740% | 4,337 |
| Core capital (leverage) ratio | 9.2378% | 4,563 |
| Tier 1 risk-based capital ratio | 13.6152% | 3,940 |
| Total risk-based capital ratio | 14.3767% | 4,145 |
| Memoranda: | ||
| Average total assets | $229,492,000 | 2,670 |
| Average earning assets | $211,017,000 | 2,668 |
| Average equity | $23,540,200 | 2,829 |
| Average total loans | $131,890,600 | 2,860 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 2,751 |
| Cost of funding earning assets | 0.2701% | 4,666 |
| Net interest margin | 3.8794% | 2,096 |
| Noninterest income to average assets | 0.5178% | 3,243 |
| Noninterest expense to average assets | 3.0623% | 2,329 |
| Loan and lease loss provision to assets | 0.0262% | 3,744 |
| Net operating income to assets | 1.0011% | 2,464 |
| Return on assets (ROA) | 1.0134% | 2,501 |
| Pretax return on assets | 1.0134% | 3,565 |
| Return on Equity (ROE) | 9.7392% | 2,197 |
| Retained earnings to average equity (ytd only) | 1.3433% | 5,185 |
| Net charge-offs to loans | 0.0072% | 3,920 |
| Credit loss provision to net charge-offs | 642.8571% | 531 |
| Earnings coverage of net charge-offs (x) | 252.0836% | 276 |
| Efficiency ratio | 74.8790% | 2,424 |
| Assets per employee ($millions) | 4.8002% | 2,561 |
| Cash dividends to net income (ytd only)* | 86.2070% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8711% | 5,297 |
| Loan loss allowance to noncurrent loans | 215.2174% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.4654% | 3,934 |
| Noncurrent loans to loans | 0.4047% | 4,159 |
| Net loans and leases to total assets | 59.9251% | 3,888 |
| Net loans and leases to deposits | 68.4143% | 4,147 |
| Net loans and leases to core deposits | 72.0256% | 4,189 |
| Total domestic deposits to total assets | 87.5914% | 1,750 |
| Equity capital to assets | 10.6002% | 3,474 |
| Core capital (leverage) ratio | 9.9943% | 3,634 |
| Tier 1 risk-based capital ratio | 14.6822% | 3,449 |
| Total risk-based capital ratio | 15.4547% | 3,659 |
| Memoranda: | ||
| Average total assets | $228,931,500 | 2,692 |
| Average earning assets | $210,783,250 | 2,693 |
| Average equity | $23,820,750 | 2,822 |
| Average total loans | $130,296,750 | 2,903 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1365% | 2,773 |
| Cost of funding earning assets | 0.2749% | 4,671 |
| Net interest margin | 3.8616% | 2,099 |
| Noninterest income to average assets | 0.4782% | 3,513 |
| Noninterest expense to average assets | 3.0890% | 2,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9433% | 2,670 |
| Return on assets (ROA) | 0.9433% | 2,789 |
| Pretax return on assets | 0.9433% | 3,797 |
| Return on Equity (ROE) | 9.1217% | 2,472 |
| Retained earnings to average equity (ytd only) | 0.7146% | 5,271 |
| Net charge-offs to loans | 0.0109% | 3,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 423 |
| Efficiency ratio | 76.6063% | 2,264 |
| Assets per employee ($millions) | 4.5032% | 2,986 |
| Cash dividends to net income (ytd only)* | 92.1659% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 5,407 |
| Loan loss allowance to noncurrent loans | 279.7066% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 4,222 |
| Noncurrent loans to loans | 0.3105% | 4,578 |
| Net loans and leases to total assets | 57.9996% | 4,099 |
| Net loans and leases to deposits | 66.7409% | 4,259 |
| Net loans and leases to core deposits | 70.0729% | 4,318 |
| Total domestic deposits to total assets | 86.9026% | 2,217 |
| Equity capital to assets | 10.4352% | 3,513 |
| Core capital (leverage) ratio | 9.9674% | 3,654 |
| Tier 1 risk-based capital ratio | 14.8103% | 3,464 |
| Total risk-based capital ratio | 15.5659% | 3,669 |
| Memoranda: | ||
| Average total assets | $230,038,670 | 2,701 |
| Average earning assets | $211,726,670 | 2,698 |
| Average equity | $23,789,330 | 2,833 |
| Average total loans | $128,267,330 | 2,941 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0628% | 2,983 |
| Cost of funding earning assets | 0.2779% | 4,695 |
| Net interest margin | 3.7848% | 2,276 |
| Noninterest income to average assets | 0.3923% | 4,064 |
| Noninterest expense to average assets | 3.0489% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8345% | 3,087 |
| Return on assets (ROA) | 0.8345% | 3,216 |
| Pretax return on assets | 0.8345% | 4,112 |
| Return on Equity (ROE) | 8.1049% | 2,907 |
| Retained earnings to average equity (ytd only) | -0.2507% | 5,421 |
| Net charge-offs to loans | 0.0095% | 3,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 161.6667% | 338 |
| Efficiency ratio | 78.5113% | 2,114 |
| Assets per employee ($millions) | 4.7239% | 2,732 |
| Cash dividends to net income (ytd only)* | 103.0928% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 5,436 |
| Loan loss allowance to noncurrent loans | 311.9565% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 4,453 |
| Noncurrent loans to loans | 0.2894% | 4,739 |
| Net loans and leases to total assets | 54.4334% | 4,382 |
| Net loans and leases to deposits | 63.3903% | 4,441 |
| Net loans and leases to core deposits | 66.5001% | 4,468 |
| Total domestic deposits to total assets | 85.8703% | 3,007 |
| Equity capital to assets | 10.3992% | 3,651 |
| Core capital (leverage) ratio | 9.7283% | 3,981 |
| Tier 1 risk-based capital ratio | 15.8122% | 3,008 |
| Total risk-based capital ratio | 16.6253% | 3,140 |
| Memoranda: | ||
| Average total assets | $232,478,000 | 2,699 |
| Average earning assets | $214,434,000 | 2,688 |
| Average equity | $23,936,000 | 2,834 |
| Average total loans | $126,533,000 | 2,973 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 2,841 |
| Cost of funding earning assets | 0.3340% | 4,446 |
| Net interest margin | 3.8982% | 2,248 |
| Noninterest income to average assets | 0.7422% | 2,115 |
| Noninterest expense to average assets | 3.1782% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1345% | 1,841 |
| Return on assets (ROA) | 1.1371% | 1,898 |
| Pretax return on assets | 1.1392% | 2,931 |
| Return on Equity (ROE) | 10.3951% | 1,958 |
| Retained earnings to average equity (ytd only) | -13.3561% | 6,366 |
| Net charge-offs to loans | 0.0530% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 39.1791% | 1,104 |
| Efficiency ratio | 73.6578% | 2,889 |
| Assets per employee ($millions) | 4.5782% | 2,909 |
| Cash dividends to net income (ytd only)* | 228.4844% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 5,431 |
| Loan loss allowance to noncurrent loans | 159.2798% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 3,804 |
| Noncurrent loans to loans | 0.5734% | 3,950 |
| Net loans and leases to total assets | 53.4383% | 4,645 |
| Net loans and leases to deposits | 61.9239% | 4,735 |
| Net loans and leases to core deposits | 65.0812% | 4,749 |
| Total domestic deposits to total assets | 86.2968% | 2,676 |
| Equity capital to assets | 10.1938% | 3,859 |
| Core capital (leverage) ratio | 9.7113% | 3,962 |
| Tier 1 risk-based capital ratio | 15.8367% | 3,037 |
| Total risk-based capital ratio | 16.6520% | 3,218 |
| Memoranda: | ||
| Average total assets | $230,947,400 | 2,687 |
| Average earning assets | $211,664,400 | 2,690 |
| Average equity | $25,261,800 | 2,636 |
| Average total loans | $126,398,400 | 2,934 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2488% | 2,812 |
| Cost of funding earning assets | 0.3466% | 4,376 |
| Net interest margin | 3.9022% | 2,234 |
| Noninterest income to average assets | 0.5853% | 2,962 |
| Noninterest expense to average assets | 3.2066% | 2,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9483% | 2,692 |
| Return on assets (ROA) | 0.9517% | 2,760 |
| Pretax return on assets | 0.9540% | 3,780 |
| Return on Equity (ROE) | 8.5533% | 2,928 |
| Retained earnings to average equity (ytd only) | -20.0617% | 6,489 |
| Net charge-offs to loans | 0.0274% | 3,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 63.1462% | 837 |
| Efficiency ratio | 77.1341% | 2,332 |
| Assets per employee ($millions) | 4.4966% | 2,978 |
| Cash dividends to net income (ytd only)* | 334.5491% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 5,484 |
| Loan loss allowance to noncurrent loans | 149.3734% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7679% | 3,517 |
| Noncurrent loans to loans | 0.6255% | 4,048 |
| Net loans and leases to total assets | 55.1130% | 4,446 |
| Net loans and leases to deposits | 64.1116% | 4,527 |
| Net loans and leases to core deposits | 67.4553% | 4,561 |
| Total domestic deposits to total assets | 85.9641% | 2,859 |
| Equity capital to assets | 10.1113% | 4,038 |
| Core capital (leverage) ratio | 9.5022% | 4,369 |
| Tier 1 risk-based capital ratio | 15.1795% | 3,488 |
| Total risk-based capital ratio | 16.0073% | 3,670 |
| Memoranda: | ||
| Average total assets | $230,312,750 | 2,715 |
| Average earning assets | $210,816,750 | 2,724 |
| Average equity | $25,627,000 | 2,614 |
| Average total loans | $126,517,750 | 2,945 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2251% | 2,864 |
| Cost of funding earning assets | 0.3655% | 4,256 |
| Net interest margin | 3.8597% | 2,336 |
| Noninterest income to average assets | 0.6217% | 2,702 |
| Noninterest expense to average assets | 3.3168% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8281% | 3,185 |
| Return on assets (ROA) | 0.8281% | 3,282 |
| Pretax return on assets | 0.8307% | 4,155 |
| Return on Equity (ROE) | 7.2239% | 3,501 |
| Retained earnings to average equity (ytd only) | -0.3404% | 5,738 |
| Net charge-offs to loans | 0.0444% | 3,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 34.2143% | 1,168 |
| Efficiency ratio | 79.9707% | 2,030 |
| Assets per employee ($millions) | 4.4136% | 3,066 |
| Cash dividends to net income (ytd only)* | 104.7120% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 5,619 |
| Loan loss allowance to noncurrent loans | 87.3715% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 2,844 |
| Noncurrent loans to loans | 1.0693% | 3,094 |
| Net loans and leases to total assets | 56.0593% | 4,275 |
| Net loans and leases to deposits | 67.0498% | 4,157 |
| Net loans and leases to core deposits | 70.7192% | 4,190 |
| Total domestic deposits to total assets | 83.6085% | 4,074 |
| Equity capital to assets | 11.9840% | 1,997 |
| Core capital (leverage) ratio | 11.3921% | 2,091 |
| Tier 1 risk-based capital ratio | 17.6044% | 2,384 |
| Total risk-based capital ratio | 18.4206% | 2,514 |
| Memoranda: | ||
| Average total assets | $230,641,330 | 2,721 |
| Average earning assets | $210,692,670 | 2,732 |
| Average equity | $26,440,000 | 2,529 |
| Average total loans | $126,163,330 | 2,943 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1163% | 3,218 |
| Cost of funding earning assets | 0.3781% | 4,218 |
| Net interest margin | 3.7382% | 2,718 |
| Noninterest income to average assets | 0.6855% | 2,253 |
| Noninterest expense to average assets | 3.2440% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8620% | 2,844 |
| Return on assets (ROA) | 0.8620% | 2,908 |
| Pretax return on assets | 0.8637% | 3,847 |
| Return on Equity (ROE) | 7.6875% | 3,097 |
| Retained earnings to average equity (ytd only) | 0.0458% | 5,533 |
| Net charge-offs to loans | 0.0701% | 2,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 22.9091% | 1,231 |
| Efficiency ratio | 78.9737% | 2,344 |
| Assets per employee ($millions) | 4.6993% | 2,663 |
| Cash dividends to net income (ytd only)* | 99.4036% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 5,688 |
| Loan loss allowance to noncurrent loans | 84.8829% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.1213% | 3,012 |
| Noncurrent loans to loans | 1.1246% | 3,175 |
| Net loans and leases to total assets | 53.8894% | 4,433 |
| Net loans and leases to deposits | 64.6150% | 4,257 |
| Net loans and leases to core deposits | 67.6045% | 4,349 |
| Total domestic deposits to total assets | 83.4008% | 4,477 |
| Equity capital to assets | 11.4894% | 2,259 |
| Core capital (leverage) ratio | 11.1126% | 2,288 |
| Tier 1 risk-based capital ratio | 17.9920% | 2,300 |
| Total risk-based capital ratio | 18.8288% | 2,425 |
| Memoranda: | ||
| Average total assets | $233,416,000 | 2,709 |
| Average earning assets | $213,688,000 | 2,714 |
| Average equity | $26,172,500 | 2,536 |
| Average total loans | $125,557,500 | 2,960 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2814% | 3,029 |
| Cost of funding earning assets | 0.4457% | 4,152 |
| Net interest margin | 3.8357% | 2,516 |
| Noninterest income to average assets | 0.5228% | 3,603 |
| Noninterest expense to average assets | 3.0908% | 2,764 |
| Loan and lease loss provision to assets | 0.0635% | 3,864 |
| Net operating income to assets | 0.9027% | 2,766 |
| Return on assets (ROA) | 0.9053% | 2,838 |
| Pretax return on assets | 0.9074% | 3,735 |
| Return on Equity (ROE) | 7.9429% | 3,057 |
| Retained earnings to average equity (ytd only) | 0.5092% | 5,613 |
| Net charge-offs to loans | 0.5001% | 1,326 |
| Credit loss provision to net charge-offs | 24.0385% | 4,370 |
| Earnings coverage of net charge-offs (x) | 3.6635% | 3,793 |
| Efficiency ratio | 76.1428% | 2,752 |
| Assets per employee ($millions) | 4.7314% | 2,538 |
| Cash dividends to net income (ytd only)* | 93.5891% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 5,709 |
| Loan loss allowance to noncurrent loans | 99.1050% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 3,387 |
| Noncurrent loans to loans | 0.9767% | 3,571 |
| Net loans and leases to total assets | 52.6753% | 4,765 |
| Net loans and leases to deposits | 62.9019% | 4,625 |
| Net loans and leases to core deposits | 65.8711% | 4,707 |
| Total domestic deposits to total assets | 83.7421% | 4,267 |
| Equity capital to assets | 10.9436% | 2,666 |
| Core capital (leverage) ratio | 11.0479% | 2,345 |
| Tier 1 risk-based capital ratio | 17.7767% | 2,315 |
| Total risk-based capital ratio | 18.6188% | 2,438 |
| Memoranda: | ||
| Average total assets | $236,057,400 | 2,659 |
| Average earning assets | $217,637,000 | 2,649 |
| Average equity | $26,904,600 | 2,465 |
| Average total loans | $124,778,200 | 2,944 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 3,010 |
| Cost of funding earning assets | 0.4602% | 4,169 |
| Net interest margin | 3.8354% | 2,518 |
| Noninterest income to average assets | 0.5024% | 3,787 |
| Noninterest expense to average assets | 3.1212% | 2,591 |
| Loan and lease loss provision to assets | 0.0848% | 3,365 |
| Net operating income to assets | 0.8313% | 3,186 |
| Return on assets (ROA) | 0.8347% | 3,295 |
| Pretax return on assets | 0.8369% | 4,156 |
| Return on Equity (ROE) | 7.2511% | 3,517 |
| Retained earnings to average equity (ytd only) | -0.1129% | 5,958 |
| Net charge-offs to loans | 0.4711% | 1,362 |
| Credit loss provision to net charge-offs | 34.0909% | 3,821 |
| Earnings coverage of net charge-offs (x) | 3.6932% | 3,632 |
| Efficiency ratio | 77.2664% | 2,519 |
| Assets per employee ($millions) | 4.7134% | 2,556 |
| Cash dividends to net income (ytd only)* | 101.5574% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 5,284 |
| Loan loss allowance to noncurrent loans | 303.2468% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.7179% | 4,313 |
| Noncurrent loans to loans | 0.3660% | 5,300 |
| Net loans and leases to total assets | 54.0503% | 4,608 |
| Net loans and leases to deposits | 64.1167% | 4,507 |
| Net loans and leases to core deposits | 67.1992% | 4,601 |
| Total domestic deposits to total assets | 84.2998% | 4,065 |
| Equity capital to assets | 11.1868% | 2,576 |
| Core capital (leverage) ratio | 11.0852% | 2,396 |
| Tier 1 risk-based capital ratio | 17.7580% | 2,419 |
| Total risk-based capital ratio | 18.7317% | 2,486 |
| Memoranda: | ||
| Average total assets | $235,929,750 | 2,676 |
| Average earning assets | $217,580,250 | 2,662 |
| Average equity | $27,158,500 | 2,464 |
| Average total loans | $124,515,000 | 2,965 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 3,066 |
| Cost of funding earning assets | 0.4695% | 4,212 |
| Net interest margin | 3.8031% | 2,546 |
| Noninterest income to average assets | 0.5093% | 3,771 |
| Noninterest expense to average assets | 3.1079% | 2,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9108% | 2,742 |
| Return on assets (ROA) | 0.9108% | 2,874 |
| Pretax return on assets | 0.9134% | 3,857 |
| Return on Equity (ROE) | 7.8409% | 3,171 |
| Retained earnings to average equity (ytd only) | 0.5942% | 5,661 |
| Net charge-offs to loans | 0.6342% | 1,038 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.7608% | 3,592 |
| Efficiency ratio | 77.2870% | 2,576 |
| Assets per employee ($millions) | 4.6690% | 2,563 |
| Cash dividends to net income (ytd only)* | 92.4214% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 5,791 |
| Loan loss allowance to noncurrent loans | 93.7229% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9887% | 3,788 |
| Noncurrent loans to loans | 1.0735% | 3,782 |
| Net loans and leases to total assets | 55.8655% | 4,319 |
| Net loans and leases to deposits | 67.0378% | 4,142 |
| Net loans and leases to core deposits | 71.0342% | 4,165 |
| Total domestic deposits to total assets | 83.3342% | 4,578 |
| Equity capital to assets | 11.7248% | 2,105 |
| Core capital (leverage) ratio | 10.8986% | 2,457 |
| Tier 1 risk-based capital ratio | 17.5994% | 2,477 |
| Total risk-based capital ratio | 18.4905% | 2,590 |
| Memoranda: | ||
| Average total assets | $237,586,670 | 2,670 |
| Average earning assets | $219,401,330 | 2,645 |
| Average equity | $27,599,000 | 2,446 |
| Average total loans | $123,941,670 | 2,990 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 3,627 |
| Cost of funding earning assets | 0.4779% | 4,297 |
| Net interest margin | 3.6458% | 3,086 |
| Noninterest income to average assets | 0.4529% | 4,105 |
| Noninterest expense to average assets | 3.0646% | 2,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7538% | 3,417 |
| Return on assets (ROA) | 0.7538% | 3,554 |
| Pretax return on assets | 0.7554% | 4,352 |
| Return on Equity (ROE) | 6.5174% | 3,757 |
| Retained earnings to average equity (ytd only) | -0.6289% | 5,900 |
| Net charge-offs to loans | 0.0099% | 3,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 152.3333% | 263 |
| Efficiency ratio | 80.2250% | 2,300 |
| Assets per employee ($millions) | 4.7242% | 2,603 |
| Cash dividends to net income (ytd only)* | 109.6491% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 4,406 |
| Loan loss allowance to noncurrent loans | 153.8251% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.9903% | 3,947 |
| Noncurrent loans to loans | 0.8868% | 4,365 |
| Net loans and leases to total assets | 50.6865% | 4,895 |
| Net loans and leases to deposits | 60.4929% | 4,736 |
| Net loans and leases to core deposits | 63.3633% | 4,805 |
| Total domestic deposits to total assets | 83.7892% | 4,559 |
| Equity capital to assets | 11.5526% | 2,366 |
| Core capital (leverage) ratio | 10.5768% | 2,676 |
| Tier 1 risk-based capital ratio | 17.8860% | 2,415 |
| Total risk-based capital ratio | 19.0692% | 2,400 |
| Memoranda: | ||
| Average total assets | $241,990,000 | 2,655 |
| Average earning assets | $223,493,000 | 2,633 |
| Average equity | $27,986,500 | 2,449 |
| Average total loans | $121,358,500 | 3,058 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 3,541 |
| Cost of funding earning assets | 0.6850% | 3,614 |
| Net interest margin | 3.7818% | 3,309 |
| Noninterest income to average assets | 0.5247% | 3,747 |
| Noninterest expense to average assets | 3.0416% | 3,128 |
| Loan and lease loss provision to assets | -0.1564% | 6,952 |
| Net operating income to assets | 1.1236% | 1,862 |
| Return on assets (ROA) | 1.1423% | 1,967 |
| Pretax return on assets | 1.1444% | 3,006 |
| Return on Equity (ROE) | 9.8249% | 2,244 |
| Retained earnings to average equity (ytd only) | 1.2160% | 5,268 |
| Net charge-offs to loans | 0.2974% | 3,160 |
| Credit loss provision to net charge-offs | -107.1429% | 6,340 |
| Earnings coverage of net charge-offs (x) | 6.6400% | 2,772 |
| Efficiency ratio | 75.8345% | 2,774 |
| Assets per employee ($millions) | 4.8610% | 2,404 |
| Cash dividends to net income (ytd only)* | 87.6232% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 4,056 |
| Loan loss allowance to noncurrent loans | 447.3545% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.7710% | 4,535 |
| Noncurrent loans to loans | 0.3179% | 5,691 |
| Net loans and leases to total assets | 48.2279% | 5,388 |
| Net loans and leases to deposits | 57.5544% | 5,288 |
| Net loans and leases to core deposits | 60.6619% | 5,301 |
| Total domestic deposits to total assets | 83.7954% | 4,406 |
| Equity capital to assets | 11.5775% | 2,366 |
| Core capital (leverage) ratio | 10.5487% | 2,708 |
| Tier 1 risk-based capital ratio | 18.3339% | 2,161 |
| Total risk-based capital ratio | 19.5461% | 2,132 |
| Memoranda: | ||
| Average total assets | $239,771,200 | 2,637 |
| Average earning assets | $221,034,200 | 2,606 |
| Average equity | $27,878,200 | 2,403 |
| Average total loans | $117,671,800 | 3,133 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 3,670 |
| Cost of funding earning assets | 0.7329% | 3,490 |
| Net interest margin | 3.7591% | 3,507 |
| Noninterest income to average assets | 0.5128% | 3,841 |
| Noninterest expense to average assets | 3.0694% | 2,979 |
| Loan and lease loss provision to assets | -0.2092% | 7,092 |
| Net operating income to assets | 1.1187% | 2,028 |
| Return on assets (ROA) | 1.1439% | 2,126 |
| Pretax return on assets | 1.1461% | 3,173 |
| Return on Equity (ROE) | 9.8273% | 2,430 |
| Retained earnings to average equity (ytd only) | 1.1985% | 5,694 |
| Net charge-offs to loans | 0.4158% | 2,425 |
| Credit loss provision to net charge-offs | -102.4590% | 6,247 |
| Earnings coverage of net charge-offs (x) | 4.4645% | 3,297 |
| Efficiency ratio | 77.0988% | 2,508 |
| Assets per employee ($millions) | 4.9202% | 2,299 |
| Cash dividends to net income (ytd only)* | 87.8047% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 4,164 |
| Loan loss allowance to noncurrent loans | 1,444.8276% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 4,892 |
| Noncurrent loans to loans | 0.1003% | 6,362 |
| Net loans and leases to total assets | 46.3487% | 5,731 |
| Net loans and leases to deposits | 55.2355% | 5,695 |
| Net loans and leases to core deposits | 58.7415% | 5,685 |
| Total domestic deposits to total assets | 83.9112% | 4,263 |
| Equity capital to assets | 11.5008% | 2,742 |
| Core capital (leverage) ratio | 10.4283% | 3,000 |
| Tier 1 risk-based capital ratio | 18.6654% | 2,114 |
| Total risk-based capital ratio | 19.8928% | 2,090 |
| Memoranda: | ||
| Average total assets | $238,952,000 | 2,666 |
| Average earning assets | $220,475,500 | 2,635 |
| Average equity | $27,813,000 | 2,431 |
| Average total loans | $117,362,750 | 3,175 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 3,408 |
| Cost of funding earning assets | 0.7782% | 3,383 |
| Net interest margin | 3.8122% | 3,305 |
| Noninterest income to average assets | 0.5055% | 3,892 |
| Noninterest expense to average assets | 3.2460% | 2,450 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7684% | 3,520 |
| Return on assets (ROA) | 0.8064% | 3,628 |
| Pretax return on assets | 0.8090% | 4,447 |
| Return on Equity (ROE) | 6.8998% | 3,834 |
| Retained earnings to average equity (ytd only) | -1.7792% | 6,325 |
| Net charge-offs to loans | 0.5207% | 2,028 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.9707% | 3,559 |
| Efficiency ratio | 80.8081% | 2,061 |
| Assets per employee ($millions) | 4.6452% | 2,648 |
| Cash dividends to net income (ytd only)* | 125.7862% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8301% | 2,759 |
| Loan loss allowance to noncurrent loans | 689.5425% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 4,593 |
| Noncurrent loans to loans | 0.2654% | 6,050 |
| Net loans and leases to total assets | 47.7768% | 5,633 |
| Net loans and leases to deposits | 57.8380% | 5,466 |
| Net loans and leases to core deposits | 62.4774% | 5,346 |
| Total domestic deposits to total assets | 82.6045% | 4,906 |
| Equity capital to assets | 11.6751% | 2,436 |
| Core capital (leverage) ratio | 10.4537% | 2,854 |
| Tier 1 risk-based capital ratio | 12.9946% | 5,194 |
| Total risk-based capital ratio | 14.0918% | 5,278 |
| Memoranda: | ||
| Average total assets | $236,599,670 | 2,695 |
| Average earning assets | $217,931,330 | 2,669 |
| Average equity | $27,653,000 | 2,433 |
| Average total loans | $117,917,670 | 3,182 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6407% | 3,308 |
| Cost of funding earning assets | 0.8050% | 3,435 |
| Net interest margin | 3.8357% | 3,214 |
| Noninterest income to average assets | 0.4212% | 4,506 |
| Noninterest expense to average assets | 3.2346% | 2,491 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7156% | 3,805 |
| Return on assets (ROA) | 0.7156% | 4,026 |
| Pretax return on assets | 0.7173% | 4,736 |
| Return on Equity (ROE) | 6.1193% | 4,231 |
| Retained earnings to average equity (ytd only) | -2.5606% | 6,345 |
| Net charge-offs to loans | 0.1241% | 3,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 11.4595% | 1,670 |
| Efficiency ratio | 81.8493% | 1,952 |
| Assets per employee ($millions) | 4.5914% | 2,827 |
| Cash dividends to net income (ytd only)* | 141.8440% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0418% | 2,234 |
| Loan loss allowance to noncurrent loans | 392.0923% | 861 |
| Noncurrent assets plus other real estate owned to assets | 1.1313% | 4,243 |
| Noncurrent loans to loans | 0.5207% | 5,626 |
| Net loans and leases to total assets | 48.7639% | 5,462 |
| Net loans and leases to deposits | 59.6712% | 5,192 |
| Net loans and leases to core deposits | 64.7968% | 5,035 |
| Total domestic deposits to total assets | 81.7210% | 5,386 |
| Equity capital to assets | 11.6498% | 2,302 |
| Core capital (leverage) ratio | 10.6700% | 2,583 |
| Tier 1 risk-based capital ratio | 14.6785% | 3,966 |
| Total risk-based capital ratio | 15.9302% | 3,927 |
| Memoranda: | ||
| Average total assets | $236,446,500 | 2,707 |
| Average earning assets | $217,637,500 | 2,677 |
| Average equity | $27,650,000 | 2,418 |
| Average total loans | $119,228,500 | 3,169 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2074% | 2,027 |
| Cost of funding earning assets | 0.9614% | 3,633 |
| Net interest margin | 4.2460% | 1,901 |
| Noninterest income to average assets | 0.4962% | 3,874 |
| Noninterest expense to average assets | 3.0653% | 3,332 |
| Loan and lease loss provision to assets | 0.1394% | 4,877 |
| Net operating income to assets | 1.2068% | 1,496 |
| Return on assets (ROA) | 1.2068% | 1,603 |
| Pretax return on assets | 1.2090% | 2,427 |
| Return on Equity (ROE) | 10.3149% | 1,952 |
| Retained earnings to average equity (ytd only) | 1.7502% | 4,970 |
| Net charge-offs to loans | 0.2002% | 4,539 |
| Credit loss provision to net charge-offs | 125.0000% | 2,500 |
| Earnings coverage of net charge-offs (x) | 12.0898% | 1,650 |
| Efficiency ratio | 69.4502% | 4,064 |
| Assets per employee ($millions) | 4.7747% | 2,483 |
| Cash dividends to net income (ytd only)* | 83.0325% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9829% | 2,333 |
| Loan loss allowance to noncurrent loans | 2,517.7083% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.9957% | 4,615 |
| Noncurrent loans to loans | 0.0788% | 6,616 |
| Net loans and leases to total assets | 50.0452% | 5,572 |
| Net loans and leases to deposits | 61.2090% | 5,347 |
| Net loans and leases to core deposits | 67.0206% | 5,155 |
| Total domestic deposits to total assets | 81.7613% | 5,205 |
| Equity capital to assets | 11.7373% | 2,315 |
| Core capital (leverage) ratio | 10.9966% | 2,272 |
| Tier 1 risk-based capital ratio | 14.4896% | 3,984 |
| Total risk-based capital ratio | 15.7412% | 3,963 |
| Memoranda: | ||
| Average total assets | $229,534,000 | 2,727 |
| Average earning assets | $211,776,000 | 2,715 |
| Average equity | $26,854,400 | 2,408 |
| Average total loans | $127,870,400 | 3,023 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2963% | 1,876 |
| Cost of funding earning assets | 1.0005% | 3,673 |
| Net interest margin | 4.2957% | 1,731 |
| Noninterest income to average assets | 0.5322% | 3,635 |
| Noninterest expense to average assets | 3.1256% | 3,071 |
| Loan and lease loss provision to assets | 0.1643% | 4,423 |
| Net operating income to assets | 1.2052% | 1,638 |
| Return on assets (ROA) | 1.2052% | 1,745 |
| Pretax return on assets | 1.2075% | 2,602 |
| Return on Equity (ROE) | 10.3099% | 2,099 |
| Retained earnings to average equity (ytd only) | 1.7769% | 5,252 |
| Net charge-offs to loans | 0.1659% | 4,461 |
| Credit loss provision to net charge-offs | 173.9130% | 1,714 |
| Earnings coverage of net charge-offs (x) | 14.5218% | 1,528 |
| Efficiency ratio | 69.4977% | 4,039 |
| Assets per employee ($millions) | 4.6530% | 2,687 |
| Cash dividends to net income (ytd only)* | 82.7653% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9730% | 2,409 |
| Loan loss allowance to noncurrent loans | 277.1300% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 1.3084% | 4,191 |
| Noncurrent loans to loans | 0.7119% | 5,453 |
| Net loans and leases to total assets | 53.8702% | 5,180 |
| Net loans and leases to deposits | 65.3166% | 5,009 |
| Net loans and leases to core deposits | 71.0163% | 4,838 |
| Total domestic deposits to total assets | 82.4756% | 4,891 |
| Equity capital to assets | 12.2015% | 2,099 |
| Core capital (leverage) ratio | 10.9698% | 2,417 |
| Tier 1 risk-based capital ratio | 14.6001% | 3,903 |
| Total risk-based capital ratio | 15.8526% | 3,878 |
| Memoranda: | ||
| Average total assets | $227,234,000 | 2,762 |
| Average earning assets | $209,752,750 | 2,739 |
| Average equity | $26,562,750 | 2,436 |
| Average total loans | $129,365,000 | 3,019 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3267% | 1,794 |
| Cost of funding earning assets | 1.0270% | 3,762 |
| Net interest margin | 4.2997% | 1,653 |
| Noninterest income to average assets | 0.5084% | 3,791 |
| Noninterest expense to average assets | 3.3554% | 2,385 |
| Loan and lease loss provision to assets | 0.1762% | 4,162 |
| Net operating income to assets | 0.9507% | 2,432 |
| Return on assets (ROA) | 0.9507% | 2,524 |
| Pretax return on assets | 0.9534% | 3,417 |
| Return on Equity (ROE) | 8.2543% | 2,833 |
| Retained earnings to average equity (ytd only) | -0.9256% | 6,035 |
| Net charge-offs to loans | 0.0734% | 4,909 |
| Credit loss provision to net charge-offs | 416.6667% | 722 |
| Earnings coverage of net charge-offs (x) | 26.7083% | 1,008 |
| Efficiency ratio | 74.8134% | 3,218 |
| Assets per employee ($millions) | 4.5510% | 2,753 |
| Cash dividends to net income (ytd only)* | 111.2141% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9705% | 2,448 |
| Loan loss allowance to noncurrent loans | 227.3140% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 1.3027% | 4,298 |
| Noncurrent loans to loans | 0.8669% | 5,220 |
| Net loans and leases to total assets | 55.8837% | 5,013 |
| Net loans and leases to deposits | 66.4498% | 4,925 |
| Net loans and leases to core deposits | 72.1402% | 4,799 |
| Total domestic deposits to total assets | 84.0990% | 4,304 |
| Equity capital to assets | 11.9193% | 2,150 |
| Core capital (leverage) ratio | 10.9351% | 2,309 |
| Tier 1 risk-based capital ratio | 14.3330% | 3,914 |
| Total risk-based capital ratio | 15.5857% | 3,889 |
| Memoranda: | ||
| Average total assets | $226,980,000 | 2,784 |
| Average earning assets | $209,922,330 | 2,759 |
| Average equity | $26,144,000 | 2,447 |
| Average total loans | $130,722,000 | 3,026 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2301% | 2,110 |
| Cost of funding earning assets | 1.0483% | 3,861 |
| Net interest margin | 4.1819% | 1,959 |
| Noninterest income to average assets | 0.5258% | 3,689 |
| Noninterest expense to average assets | 3.3262% | 2,477 |
| Loan and lease loss provision to assets | 0.1398% | 4,261 |
| Net operating income to assets | 0.9399% | 2,398 |
| Return on assets (ROA) | 0.9399% | 2,462 |
| Pretax return on assets | 0.9416% | 3,354 |
| Return on Equity (ROE) | 8.3005% | 2,775 |
| Retained earnings to average equity (ytd only) | -0.9566% | 5,976 |
| Net charge-offs to loans | 0.0151% | 4,871 |
| Credit loss provision to net charge-offs | 1,600.0000% | 242 |
| Earnings coverage of net charge-offs (x) | 123.8000% | 261 |
| Efficiency ratio | 75.4657% | 3,248 |
| Assets per employee ($millions) | 4.5714% | 2,779 |
| Cash dividends to net income (ytd only)* | 111.5242% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8544% | 2,844 |
| Loan loss allowance to noncurrent loans | 267.9912% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 1.1231% | 4,680 |
| Noncurrent loans to loans | 0.6920% | 5,639 |
| Net loans and leases to total assets | 56.2195% | 4,962 |
| Net loans and leases to deposits | 66.1859% | 4,947 |
| Net loans and leases to core deposits | 71.6296% | 4,835 |
| Total domestic deposits to total assets | 84.9417% | 4,057 |
| Equity capital to assets | 11.4017% | 2,345 |
| Core capital (leverage) ratio | 10.8506% | 2,308 |
| Tier 1 risk-based capital ratio | 14.1522% | 3,969 |
| Total risk-based capital ratio | 15.4039% | 3,942 |
| Memoranda: | ||
| Average total assets | $228,970,500 | 2,779 |
| Average earning assets | $212,537,000 | 2,750 |
| Average equity | $25,926,000 | 2,456 |
| Average total loans | $132,520,500 | 3,027 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5268% | 2,175 |
| Cost of funding earning assets | 1.2493% | 4,219 |
| Net interest margin | 4.2775% | 1,895 |
| Noninterest income to average assets | 0.5573% | 3,773 |
| Noninterest expense to average assets | 3.0102% | 3,808 |
| Loan and lease loss provision to assets | 0.2888% | 4,491 |
| Net operating income to assets | 1.2258% | 1,356 |
| Return on assets (ROA) | 1.2258% | 1,430 |
| Pretax return on assets | 1.2279% | 2,149 |
| Return on Equity (ROE) | 10.7808% | 1,652 |
| Retained earnings to average equity (ytd only) | 1.6831% | 4,676 |
| Net charge-offs to loans | 0.3407% | 4,309 |
| Credit loss provision to net charge-offs | 142.5532% | 2,624 |
| Earnings coverage of net charge-offs (x) | 7.4872% | 2,121 |
| Efficiency ratio | 66.4953% | 4,870 |
| Assets per employee ($millions) | 4.4974% | 2,879 |
| Cash dividends to net income (ytd only)* | 84.3882% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7545% | 3,008 |
| Loan loss allowance to noncurrent loans | 280.1190% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 1.1614% | 4,688 |
| Noncurrent loans to loans | 0.6263% | 5,796 |
| Net loans and leases to total assets | 57.4437% | 5,121 |
| Net loans and leases to deposits | 67.7764% | 5,134 |
| Net loans and leases to core deposits | 73.8372% | 4,994 |
| Total domestic deposits to total assets | 84.7547% | 3,970 |
| Equity capital to assets | 11.2443% | 2,460 |
| Core capital (leverage) ratio | 10.8198% | 2,298 |
| Tier 1 risk-based capital ratio | 14.1777% | 3,749 |
| Total risk-based capital ratio | 15.4290% | 3,710 |
| Memoranda: | ||
| Average total assets | $232,014,600 | 2,723 |
| Average earning assets | $215,312,600 | 2,685 |
| Average equity | $26,380,200 | 2,426 |
| Average total loans | $137,935,000 | 2,987 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5633% | 2,199 |
| Cost of funding earning assets | 1.2782% | 4,381 |
| Net interest margin | 4.2851% | 1,897 |
| Noninterest income to average assets | 0.5547% | 3,759 |
| Noninterest expense to average assets | 2.9849% | 3,802 |
| Loan and lease loss provision to assets | 0.1834% | 5,212 |
| Net operating income to assets | 1.3569% | 1,202 |
| Return on assets (ROA) | 1.3569% | 1,287 |
| Pretax return on assets | 1.3592% | 2,006 |
| Return on Equity (ROE) | 11.9018% | 1,534 |
| Retained earnings to average equity (ytd only) | 2.8548% | 4,427 |
| Net charge-offs to loans | 0.3705% | 3,829 |
| Credit loss provision to net charge-offs | 82.9016% | 5,043 |
| Earnings coverage of net charge-offs (x) | 6.9741% | 2,410 |
| Efficiency ratio | 65.9284% | 4,878 |
| Assets per employee ($millions) | 4.4822% | 2,938 |
| Cash dividends to net income (ytd only)* | 76.0136% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 3,832 |
| Loan loss allowance to noncurrent loans | 139.8794% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0910% | 4,930 |
| Noncurrent loans to loans | 1.0926% | 5,056 |
| Net loans and leases to total assets | 58.8223% | 5,129 |
| Net loans and leases to deposits | 69.7399% | 5,189 |
| Net loans and leases to core deposits | 75.9531% | 5,066 |
| Total domestic deposits to total assets | 84.3453% | 3,941 |
| Equity capital to assets | 11.8054% | 2,279 |
| Core capital (leverage) ratio | 10.8319% | 2,387 |
| Tier 1 risk-based capital ratio | 14.1273% | 3,740 |
| Total risk-based capital ratio | 15.3118% | 3,760 |
| Memoranda: | ||
| Average total assets | $232,676,000 | 2,749 |
| Average earning assets | $215,716,500 | 2,716 |
| Average equity | $26,527,500 | 2,457 |
| Average total loans | $138,891,000 | 3,008 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5339% | 2,390 |
| Cost of funding earning assets | 1.3055% | 4,500 |
| Net interest margin | 4.2285% | 2,058 |
| Noninterest income to average assets | 0.5503% | 3,713 |
| Noninterest expense to average assets | 2.8705% | 4,186 |
| Loan and lease loss provision to assets | 0.1709% | 5,160 |
| Net operating income to assets | 1.4314% | 1,031 |
| Return on assets (ROA) | 1.4314% | 1,106 |
| Pretax return on assets | 1.4340% | 1,742 |
| Return on Equity (ROE) | 12.7016% | 1,313 |
| Retained earnings to average equity (ytd only) | 3.6019% | 3,805 |
| Net charge-offs to loans | 0.1432% | 4,794 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 18.7800% | 1,276 |
| Efficiency ratio | 64.1398% | 5,310 |
| Assets per employee ($millions) | 4.2245% | 3,343 |
| Cash dividends to net income (ytd only)* | 71.6418% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6197% | 3,370 |
| Loan loss allowance to noncurrent loans | 125.5996% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 1.3532% | 4,459 |
| Noncurrent loans to loans | 1.2896% | 4,805 |
| Net loans and leases to total assets | 59.9621% | 5,064 |
| Net loans and leases to deposits | 70.1452% | 5,256 |
| Net loans and leases to core deposits | 77.9925% | 4,952 |
| Total domestic deposits to total assets | 85.4829% | 3,377 |
| Equity capital to assets | 11.6564% | 2,315 |
| Core capital (leverage) ratio | 10.6347% | 2,511 |
| Tier 1 risk-based capital ratio | 14.2726% | 3,561 |
| Total risk-based capital ratio | 15.5232% | 3,531 |
| Memoranda: | ||
| Average total assets | $234,038,000 | 2,760 |
| Average earning assets | $217,242,670 | 2,714 |
| Average equity | $26,374,670 | 2,460 |
| Average total loans | $139,671,670 | 3,022 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4511% | 2,818 |
| Cost of funding earning assets | 1.3314% | 4,617 |
| Net interest margin | 4.1197% | 2,357 |
| Noninterest income to average assets | 0.5739% | 3,471 |
| Noninterest expense to average assets | 2.7916% | 4,511 |
| Loan and lease loss provision to assets | 0.2025% | 4,476 |
| Net operating income to assets | 1.4059% | 1,059 |
| Return on assets (ROA) | 1.4059% | 1,131 |
| Pretax return on assets | 1.4076% | 1,752 |
| Return on Equity (ROE) | 12.6854% | 1,328 |
| Retained earnings to average equity (ytd only) | 3.5482% | 4,022 |
| Net charge-offs to loans | 0.2229% | 3,596 |
| Credit loss provision to net charge-offs | 153.8462% | 2,328 |
| Earnings coverage of net charge-offs (x) | 12.2308% | 1,584 |
| Efficiency ratio | 63.4202% | 5,600 |
| Assets per employee ($millions) | 4.4895% | 2,972 |
| Cash dividends to net income (ytd only)* | 72.0288% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 3,506 |
| Loan loss allowance to noncurrent loans | 137.5078% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 1.1541% | 4,857 |
| Noncurrent loans to loans | 1.1543% | 5,056 |
| Net loans and leases to total assets | 57.2219% | 5,565 |
| Net loans and leases to deposits | 67.0609% | 5,703 |
| Net loans and leases to core deposits | 75.4610% | 5,332 |
| Total domestic deposits to total assets | 85.3284% | 3,496 |
| Equity capital to assets | 11.1237% | 2,661 |
| Core capital (leverage) ratio | 10.4977% | 2,622 |
| Tier 1 risk-based capital ratio | 13.7622% | 3,825 |
| Total risk-based capital ratio | 14.9929% | 3,790 |
| Memoranda: | ||
| Average total assets | $236,995,000 | 2,794 |
| Average earning assets | $220,212,500 | 2,735 |
| Average equity | $26,266,500 | 2,493 |
| Average total loans | $139,987,500 | 3,080 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8797% | 2,327 |
| Cost of funding earning assets | 1.6267% | 4,906 |
| Net interest margin | 4.2530% | 1,881 |
| Noninterest income to average assets | 0.5605% | 3,940 |
| Noninterest expense to average assets | 2.8001% | 4,975 |
| Loan and lease loss provision to assets | 0.8091% | 2,707 |
| Net operating income to assets | 0.9181% | 2,113 |
| Return on assets (ROA) | 0.9202% | 2,173 |
| Pretax return on assets | 0.9223% | 2,856 |
| Return on Equity (ROE) | 8.5298% | 2,186 |
| Retained earnings to average equity (ytd only) | -0.0194% | 4,933 |
| Net charge-offs to loans | 0.9007% | 2,588 |
| Credit loss provision to net charge-offs | 149.7285% | 3,110 |
| Earnings coverage of net charge-offs (x) | 3.2002% | 3,455 |
| Efficiency ratio | 61.8197% | 6,184 |
| Assets per employee ($millions) | 4.4537% | 3,001 |
| Cash dividends to net income (ytd only)* | 100.2278% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 3,621 |
| Loan loss allowance to noncurrent loans | 107.3280% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 1.2862% | 4,510 |
| Noncurrent loans to loans | 1.4164% | 4,555 |
| Net loans and leases to total assets | 59.0859% | 5,479 |
| Net loans and leases to deposits | 69.4051% | 5,681 |
| Net loans and leases to core deposits | 87.0383% | 5,429 |
| Total domestic deposits to total assets | 85.1318% | 3,495 |
| Equity capital to assets | 11.0422% | 2,681 |
| Core capital (leverage) ratio | 10.1781% | 2,917 |
| Tier 1 risk-based capital ratio | 13.2548% | 3,983 |
| Total risk-based capital ratio | 14.4281% | 3,974 |
| Memoranda: | ||
| Average total assets | $238,528,000 | 2,727 |
| Average earning assets | $222,595,000 | 2,674 |
| Average equity | $25,733,200 | 2,547 |
| Average total loans | $143,114,600 | 3,035 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9006% | 2,448 |
| Cost of funding earning assets | 1.6601% | 5,110 |
| Net interest margin | 4.2405% | 1,907 |
| Noninterest income to average assets | 0.5363% | 4,181 |
| Noninterest expense to average assets | 2.8450% | 4,696 |
| Loan and lease loss provision to assets | 1.0091% | 1,903 |
| Net operating income to assets | 0.6434% | 3,431 |
| Return on assets (ROA) | 0.6462% | 3,484 |
| Pretax return on assets | 0.6484% | 4,026 |
| Return on Equity (ROE) | 6.0245% | 3,521 |
| Retained earnings to average equity (ytd only) | -2.8121% | 5,902 |
| Net charge-offs to loans | 1.0584% | 1,877 |
| Credit loss provision to net charge-offs | 158.9113% | 2,991 |
| Earnings coverage of net charge-offs (x) | 2.6058% | 3,921 |
| Efficiency ratio | 63.2264% | 5,884 |
| Assets per employee ($millions) | 4.5155% | 2,836 |
| Cash dividends to net income (ytd only)* | 146.6786% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 3,327 |
| Loan loss allowance to noncurrent loans | 120.7412% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 1.0768% | 4,923 |
| Noncurrent loans to loans | 1.2590% | 4,840 |
| Net loans and leases to total assets | 59.0954% | 5,729 |
| Net loans and leases to deposits | 71.6812% | 5,702 |
| Net loans and leases to core deposits | 93.3241% | 5,094 |
| Total domestic deposits to total assets | 82.4419% | 4,477 |
| Equity capital to assets | 10.8453% | 3,173 |
| Core capital (leverage) ratio | 10.1018% | 3,172 |
| Tier 1 risk-based capital ratio | 12.8227% | 4,309 |
| Total risk-based capital ratio | 13.9995% | 4,300 |
| Memoranda: | ||
| Average total assets | $239,148,000 | 2,743 |
| Average earning assets | $223,521,500 | 2,693 |
| Average equity | $25,650,250 | 2,577 |
| Average total loans | $143,487,250 | 3,053 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9572% | 2,352 |
| Cost of funding earning assets | 1.7156% | 5,198 |
| Net interest margin | 4.2416% | 1,845 |
| Noninterest income to average assets | 0.5446% | 4,077 |
| Noninterest expense to average assets | 2.8851% | 4,560 |
| Loan and lease loss provision to assets | 0.3681% | 3,716 |
| Net operating income to assets | 1.2556% | 1,343 |
| Return on assets (ROA) | 1.2598% | 1,407 |
| Pretax return on assets | 1.2623% | 2,124 |
| Return on Equity (ROE) | 11.7893% | 1,484 |
| Retained earnings to average equity (ytd only) | 2.3954% | 3,999 |
| Net charge-offs to loans | 0.2538% | 3,930 |
| Credit loss provision to net charge-offs | 241.7582% | 1,921 |
| Earnings coverage of net charge-offs (x) | 10.6813% | 1,971 |
| Efficiency ratio | 63.9533% | 5,928 |
| Assets per employee ($millions) | 4.3250% | 3,065 |
| Cash dividends to net income (ytd only)* | 79.6813% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 4,850 |
| Loan loss allowance to noncurrent loans | 87.9285% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.1377% | 4,675 |
| Noncurrent loans to loans | 1.3792% | 4,457 |
| Net loans and leases to total assets | 61.7334% | 5,398 |
| Net loans and leases to deposits | 76.1514% | 5,150 |
| Net loans and leases to core deposits | 95.8573% | 4,920 |
| Total domestic deposits to total assets | 81.0667% | 5,060 |
| Equity capital to assets | 10.9419% | 2,975 |
| Core capital (leverage) ratio | 10.4768% | 2,829 |
| Tier 1 risk-based capital ratio | 13.1643% | 4,026 |
| Total risk-based capital ratio | 14.1101% | 4,156 |
| Memoranda: | ||
| Average total assets | $239,090,670 | 2,759 |
| Average earning assets | $223,593,670 | 2,703 |
| Average equity | $25,548,670 | 2,596 |
| Average total loans | $143,446,330 | 3,090 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9276% | 2,658 |
| Cost of funding earning assets | 1.8097% | 5,070 |
| Net interest margin | 4.1179% | 2,217 |
| Noninterest income to average assets | 0.4879% | 4,429 |
| Noninterest expense to average assets | 2.7388% | 4,830 |
| Loan and lease loss provision to assets | 0.5292% | 2,354 |
| Net operating income to assets | 1.0717% | 2,059 |
| Return on assets (ROA) | 1.0800% | 2,162 |
| Pretax return on assets | 1.0816% | 3,057 |
| Return on Equity (ROE) | 10.2249% | 2,227 |
| Retained earnings to average equity (ytd only) | 0.8299% | 5,330 |
| Net charge-offs to loans | 0.3404% | 2,724 |
| Credit loss provision to net charge-offs | 264.4628% | 1,789 |
| Earnings coverage of net charge-offs (x) | 8.0083% | 2,251 |
| Efficiency ratio | 63.0857% | 5,859 |
| Assets per employee ($millions) | 4.3572% | 2,960 |
| Cash dividends to net income (ytd only)* | 91.8836% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 4,851 |
| Loan loss allowance to noncurrent loans | 110.1739% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.7958% | 5,188 |
| Noncurrent loans to loans | 1.0835% | 4,814 |
| Net loans and leases to total assets | 59.0964% | 5,795 |
| Net loans and leases to deposits | 70.5393% | 5,929 |
| Net loans and leases to core deposits | 93.8596% | 5,169 |
| Total domestic deposits to total assets | 83.7780% | 3,814 |
| Equity capital to assets | 10.6867% | 3,302 |
| Core capital (leverage) ratio | 10.1233% | 3,271 |
| Tier 1 risk-based capital ratio | 13.1186% | 4,107 |
| Total risk-based capital ratio | 14.0392% | 4,241 |
| Memoranda: | ||
| Average total assets | $241,860,500 | 2,748 |
| Average earning assets | $226,331,000 | 2,688 |
| Average equity | $25,545,500 | 2,604 |
| Average total loans | $142,195,000 | 3,131 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1906% | 4,565 |
| Cost of funding earning assets | 2.1001% | 6,050 |
| Net interest margin | 4.0905% | 2,756 |
| Noninterest income to average assets | 0.6397% | 3,554 |
| Noninterest expense to average assets | 2.8139% | 4,763 |
| Loan and lease loss provision to assets | 0.3128% | 3,869 |
| Net operating income to assets | 1.3245% | 1,414 |
| Return on assets (ROA) | 1.3228% | 1,370 |
| Pretax return on assets | 1.3249% | 2,223 |
| Return on Equity (ROE) | 11.6892% | 1,687 |
| Retained earnings to average equity (ytd only) | -13.9370% | 7,397 |
| Net charge-offs to loans | 0.4229% | 2,704 |
| Credit loss provision to net charge-offs | 132.2242% | 4,030 |
| Earnings coverage of net charge-offs (x) | 6.9299% | 3,235 |
| Efficiency ratio | 63.1873% | 5,740 |
| Assets per employee ($millions) | 4.3585% | 2,868 |
| Cash dividends to net income (ytd only)* | 219.2296% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 5,472 |
| Loan loss allowance to noncurrent loans | 119.5257% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.6740% | 5,198 |
| Noncurrent loans to loans | 0.8968% | 4,832 |
| Net loans and leases to total assets | 57.1729% | 6,310 |
| Net loans and leases to deposits | 68.7256% | 6,394 |
| Net loans and leases to core deposits | 93.6708% | 5,474 |
| Total domestic deposits to total assets | 83.1901% | 3,689 |
| Equity capital to assets | 10.4397% | 3,570 |
| Core capital (leverage) ratio | 10.2343% | 3,229 |
| Tier 1 risk-based capital ratio | 12.9794% | 4,125 |
| Total risk-based capital ratio | 13.7860% | 4,317 |
| Memoranda: | ||
| Average total assets | $241,373,200 | 2,645 |
| Average earning assets | $225,033,200 | 2,600 |
| Average equity | $27,315,800 | 2,454 |
| Average total loans | $135,016,400 | 3,177 |