Home > Home Bank of California > Performance and Condition Ratios
Home Bank of California, 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 | 6.7625% | 271 |
| Cost of funding earning assets | 2.5075% | 355 |
| Net interest margin | 4.2550% | 870 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 2.3913% | 2,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5881% | 880 |
| Return on assets (ROA) | 1.5881% | 847 |
| Pretax return on assets | 1.8213% | 862 |
| Return on Equity (ROE) | 13.5200% | 1,599 |
| Retained earnings to average equity (ytd only) | 3.5207% | 3,113 |
| Net charge-offs to loans | 0.0227% | 1,873 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 86.8400% | 971 |
| Efficiency ratio | 56.7659% | 3,423 |
| Assets per employee ($millions) | 8.9041% | 1,018 |
| Cash dividends to net income (ytd only)* | 73.9567% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 3,432 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 90.9900% | 28 |
| Net loans and leases to deposits | 115.3909% | 120 |
| Net loans and leases to core deposits | 147.4988% | 222 |
| Total domestic deposits to total assets | 78.8500% | 3,630 |
| Equity capital to assets | 12.3232% | 1,027 |
| Core capital (leverage) ratio | 12.2526% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $238,404,400 | 2,746 |
| Average earning assets | $232,503,800 | 2,668 |
| Average equity | $28,005,800 | 2,360 |
| Average total loans | $220,132,600 | 2,162 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5571% | 246 |
| Cost of funding earning assets | 2.2763% | 294 |
| Net interest margin | 4.2808% | 832 |
| Noninterest income to average assets | 0.0500% | 4,489 |
| Noninterest expense to average assets | 2.3811% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6151% | 927 |
| Return on assets (ROA) | 1.6151% | 926 |
| Pretax return on assets | 1.8522% | 932 |
| Return on Equity (ROE) | 14.0600% | 1,668 |
| Retained earnings to average equity (ytd only) | 3.5648% | 3,329 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.2476% | 3,391 |
| Assets per employee ($millions) | 8.9282% | 933 |
| Cash dividends to net income (ytd only)* | 74.6407% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 3,598 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 91.5700% | 21 |
| Net loans and leases to deposits | 122.1873% | 80 |
| Net loans and leases to core deposits | 158.6789% | 106 |
| Total domestic deposits to total assets | 74.9400% | 4,125 |
| Equity capital to assets | 11.6186% | 1,169 |
| Core capital (leverage) ratio | 11.7025% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $241,228,667 | 2,742 |
| Average earning assets | $235,470,000 | 2,675 |
| Average equity | $27,715,333 | 2,379 |
| Average total loans | $223,475,333 | 2,135 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4415% | 194 |
| Cost of funding earning assets | 2.0855% | 245 |
| Net interest margin | 4.3560% | 738 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 2.5361% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5416% | 1,093 |
| Return on assets (ROA) | 1.5416% | 1,082 |
| Pretax return on assets | 1.7687% | 1,130 |
| Return on Equity (ROE) | 13.4900% | 1,882 |
| Retained earnings to average equity (ytd only) | 1.4074% | 3,804 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.9141% | 3,083 |
| Assets per employee ($millions) | 8.6721% | 1,066 |
| Cash dividends to net income (ytd only)* | 89.5699% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 3,720 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 91.4500% | 19 |
| Net loans and leases to deposits | 129.7894% | 46 |
| Net loans and leases to core deposits | 163.8931% | 78 |
| Total domestic deposits to total assets | 70.4600% | 4,403 |
| Equity capital to assets | 11.3740% | 1,197 |
| Core capital (leverage) ratio | 11.5065% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $241,312,500 | 2,780 |
| Average earning assets | $235,536,000 | 2,698 |
| Average equity | $27,569,000 | 2,418 |
| Average total loans | $223,782,000 | 2,146 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1699% | 83 |
| Cost of funding earning assets | 1.1542% | 82 |
| Net interest margin | 5.0157% | 135 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 2.2404% | 2,920 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 2.3130% | 180 |
| Return on assets (ROA) | 2.3130% | 173 |
| Pretax return on assets | 2.6526% | 171 |
| Return on Equity (ROE) | 19.1400% | 553 |
| Retained earnings to average equity (ytd only) | 3.7626% | 3,475 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.4479% | 4,376 |
| Assets per employee ($millions) | 8.8817% | 956 |
| Cash dividends to net income (ytd only)* | 80.3435% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 3,593 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 92.2600% | 14 |
| Net loans and leases to deposits | 128.3863% | 44 |
| Net loans and leases to core deposits | 162.9147% | 64 |
| Total domestic deposits to total assets | 71.8600% | 4,431 |
| Equity capital to assets | 11.4759% | 1,093 |
| Core capital (leverage) ratio | 11.4645% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $221,482,800 | 2,894 |
| Average earning assets | $216,082,600 | 2,822 |
| Average equity | $26,763,200 | 2,495 |
| Average total loans | $205,891,200 | 2,187 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0854% | 75 |
| Cost of funding earning assets | 0.9061% | 104 |
| Net interest margin | 5.1793% | 99 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 2.3064% | 2,615 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 2.3826% | 169 |
| Return on assets (ROA) | 2.3826% | 166 |
| Pretax return on assets | 2.7324% | 170 |
| Return on Equity (ROE) | 19.4500% | 482 |
| Retained earnings to average equity (ytd only) | 3.1609% | 3,733 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.3798% | 4,407 |
| Assets per employee ($millions) | 9.2883% | 805 |
| Cash dividends to net income (ytd only)* | 83.7461% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 3,699 |
| 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 | 91.7200% | 13 |
| Net loans and leases to deposits | 130.8494% | 30 |
| Net loans and leases to core deposits | 158.4338% | 47 |
| Total domestic deposits to total assets | 70.1000% | 4,534 |
| Equity capital to assets | 11.2391% | 1,086 |
| Core capital (leverage) ratio | 11.6388% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $216,901,750 | 2,951 |
| Average earning assets | $211,606,000 | 2,868 |
| Average equity | $26,574,000 | 2,540 |
| Average total loans | $201,521,500 | 2,216 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1704% | 59 |
| Cost of funding earning assets | 0.7555% | 121 |
| Net interest margin | 5.4150% | 76 |
| Noninterest income to average assets | 0.0230% | 4,697 |
| Noninterest expense to average assets | 2.4820% | 1,988 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.4619% | 119 |
| Return on assets (ROA) | 2.4619% | 115 |
| Pretax return on assets | 2.8231% | 123 |
| Return on Equity (ROE) | 19.4734% | 344 |
| Retained earnings to average equity (ytd only) | 0.1668% | 4,156 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7847% | 4,409 |
| Assets per employee ($millions) | 9.4216% | 773 |
| Cash dividends to net income (ytd only)* | 99.1436% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 3,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 91.8724% | 11 |
| Net loans and leases to deposits | 130.7207% | 25 |
| Net loans and leases to core deposits | 142.0979% | 73 |
| Total domestic deposits to total assets | 70.2814% | 4,612 |
| Equity capital to assets | 11.7346% | 952 |
| Core capital (leverage) ratio | 12.3101% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,703,667 | 3,036 |
| Average earning assets | $203,583,667 | 2,968 |
| Average equity | $26,384,667 | 2,615 |
| Average total loans | $194,152,667 | 2,270 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2585% | 55 |
| Cost of funding earning assets | 0.7154% | 140 |
| Net interest margin | 5.5431% | 68 |
| Noninterest income to average assets | 0.0320% | 4,700 |
| Noninterest expense to average assets | 2.8520% | 1,057 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.2560% | 154 |
| Return on assets (ROA) | 2.2560% | 151 |
| Pretax return on assets | 2.5880% | 159 |
| Return on Equity (ROE) | 17.1494% | 406 |
| Retained earnings to average equity (ytd only) | -6.1574% | 4,462 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4265% | 4,170 |
| Assets per employee ($millions) | 8.1428% | 1,289 |
| Cash dividends to net income (ytd only)* | 135.9043% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 91.6849% | 5 |
| Net loans and leases to deposits | 118.3727% | 38 |
| Net loans and leases to core deposits | 127.5720% | 103 |
| Total domestic deposits to total assets | 77.4544% | 4,436 |
| Equity capital to assets | 12.8246% | 728 |
| Core capital (leverage) ratio | 13.0506% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,996,500 | 3,108 |
| Average earning assets | $195,127,000 | 3,042 |
| Average equity | $26,310,000 | 2,696 |
| Average total loans | $186,336,000 | 2,324 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3037% | 60 |
| Cost of funding earning assets | 0.9176% | 102 |
| Net interest margin | 5.3860% | 95 |
| Noninterest income to average assets | 0.0461% | 4,733 |
| Noninterest expense to average assets | 2.1662% | 3,187 |
| Loan and lease loss provision to assets | 0.0223% | 2,620 |
| Net operating income to assets | 2.7272% | 123 |
| Return on assets (ROA) | 2.7272% | 126 |
| Pretax return on assets | 3.1275% | 128 |
| Return on Equity (ROE) | 21.1554% | 254 |
| Retained earnings to average equity (ytd only) | 5.9103% | 2,395 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7483% | 4,671 |
| Assets per employee ($millions) | 8.1843% | 1,226 |
| Cash dividends to net income (ytd only)* | 72.0626% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 92.6251% | 8 |
| Net loans and leases to deposits | 122.3484% | 33 |
| Net loans and leases to core deposits | 131.5838% | 98 |
| Total domestic deposits to total assets | 75.7060% | 4,524 |
| Equity capital to assets | 13.4979% | 765 |
| Core capital (leverage) ratio | 13.3996% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,597,200 | 3,055 |
| Average earning assets | $197,250,600 | 2,977 |
| Average equity | $25,988,600 | 2,784 |
| Average total loans | $184,460,200 | 2,348 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4078% | 63 |
| Cost of funding earning assets | 0.9428% | 111 |
| Net interest margin | 5.4649% | 90 |
| Noninterest income to average assets | 0.0545% | 4,794 |
| Noninterest expense to average assets | 2.1712% | 3,162 |
| Loan and lease loss provision to assets | 0.0296% | 2,407 |
| Net operating income to assets | 3.0893% | 115 |
| Return on assets (ROA) | 3.0893% | 117 |
| Pretax return on assets | 3.2016% | 145 |
| Return on Equity (ROE) | 24.2399% | 199 |
| Retained earnings to average equity (ytd only) | 10.0136% | 1,308 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1898% | 4,715 |
| Assets per employee ($millions) | 8.3692% | 1,104 |
| Cash dividends to net income (ytd only)* | 58.6896% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 3,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 87.9458% | 36 |
| Net loans and leases to deposits | 115.5159% | 58 |
| Net loans and leases to core deposits | 124.3282% | 147 |
| Total domestic deposits to total assets | 76.1331% | 4,529 |
| Equity capital to assets | 13.3894% | 879 |
| Core capital (leverage) ratio | 13.2237% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,890,750 | 3,078 |
| Average earning assets | $198,546,250 | 2,999 |
| Average equity | $25,857,500 | 2,825 |
| Average total loans | $184,579,500 | 2,388 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2540% | 72 |
| Cost of funding earning assets | 0.9716% | 121 |
| Net interest margin | 5.2824% | 124 |
| Noninterest income to average assets | 0.0678% | 4,793 |
| Noninterest expense to average assets | 2.2587% | 2,889 |
| Loan and lease loss provision to assets | 0.0295% | 2,390 |
| Net operating income to assets | 2.8472% | 148 |
| Return on assets (ROA) | 2.8472% | 152 |
| Pretax return on assets | 2.9504% | 197 |
| Return on Equity (ROE) | 22.7187% | 279 |
| Retained earnings to average equity (ytd only) | 9.6504% | 1,508 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1170% | 4,656 |
| Assets per employee ($millions) | 8.5662% | 983 |
| Cash dividends to net income (ytd only)* | 57.5224% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,414 |
| 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 | 88.7844% | 27 |
| Net loans and leases to deposits | 115.2183% | 73 |
| Net loans and leases to core deposits | 123.8121% | 179 |
| Total domestic deposits to total assets | 77.0575% | 4,509 |
| Equity capital to assets | 12.7357% | 1,034 |
| Core capital (leverage) ratio | 12.6912% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,567,667 | 3,069 |
| Average earning assets | $199,264,333 | 2,988 |
| Average equity | $25,512,000 | 2,839 |
| Average total loans | $186,541,333 | 2,375 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1953% | 81 |
| Cost of funding earning assets | 0.9916% | 138 |
| Net interest margin | 5.2038% | 148 |
| Noninterest income to average assets | 0.0138% | 4,916 |
| Noninterest expense to average assets | 2.5060% | 2,160 |
| Loan and lease loss provision to assets | 0.0296% | 2,397 |
| Net operating income to assets | 2.4862% | 270 |
| Return on assets (ROA) | 2.4862% | 296 |
| Pretax return on assets | 2.5770% | 381 |
| Return on Equity (ROE) | 20.0028% | 533 |
| Retained earnings to average equity (ytd only) | 6.8635% | 2,623 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0151% | 4,264 |
| Assets per employee ($millions) | 8.8339% | 881 |
| Cash dividends to net income (ytd only)* | 65.6871% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 3,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 92.9476% | 4 |
| Net loans and leases to deposits | 121.0863% | 64 |
| Net loans and leases to core deposits | 131.3043% | 136 |
| Total domestic deposits to total assets | 76.7615% | 4,535 |
| Equity capital to assets | 12.4948% | 1,084 |
| Core capital (leverage) ratio | 12.5361% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,557,500 | 3,070 |
| Average earning assets | $198,472,000 | 2,985 |
| Average equity | $25,176,500 | 2,859 |
| Average total loans | $187,531,500 | 2,374 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1312% | 80 |
| Cost of funding earning assets | 1.4950% | 84 |
| Net interest margin | 4.6362% | 246 |
| Noninterest income to average assets | 0.0249% | 4,910 |
| Noninterest expense to average assets | 2.1527% | 3,811 |
| Loan and lease loss provision to assets | 0.3066% | 1,223 |
| Net operating income to assets | 2.0381% | 246 |
| Return on assets (ROA) | 2.0381% | 261 |
| Pretax return on assets | 2.1117% | 354 |
| Return on Equity (ROE) | 16.0872% | 495 |
| Retained earnings to average equity (ytd only) | 2.5631% | 3,566 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0949% | 4,672 |
| Assets per employee ($millions) | 9.1789% | 696 |
| Cash dividends to net income (ytd only)* | 84.0672% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 3,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 90.2246% | 27 |
| Net loans and leases to deposits | 117.4345% | 88 |
| Net loans and leases to core deposits | 128.2052% | 213 |
| Total domestic deposits to total assets | 76.8297% | 4,432 |
| Equity capital to assets | 12.3634% | 1,388 |
| Core capital (leverage) ratio | 12.3169% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,781,200 | 3,003 |
| Average earning assets | $189,032,600 | 2,917 |
| Average equity | $24,423,200 | 2,847 |
| Average total loans | $172,631,000 | 2,467 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1310% | 91 |
| Cost of funding earning assets | 1.6043% | 74 |
| Net interest margin | 4.5267% | 351 |
| Noninterest income to average assets | 0.0350% | 4,924 |
| Noninterest expense to average assets | 2.2104% | 3,655 |
| Loan and lease loss provision to assets | 0.3144% | 1,267 |
| Net operating income to assets | 1.8814% | 384 |
| Return on assets (ROA) | 1.8814% | 424 |
| Pretax return on assets | 1.9500% | 570 |
| Return on Equity (ROE) | 14.7562% | 732 |
| Retained earnings to average equity (ytd only) | 1.5975% | 4,056 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3978% | 4,532 |
| Assets per employee ($millions) | 8.9501% | 701 |
| Cash dividends to net income (ytd only)* | 89.1741% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 3,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 85.4080% | 181 |
| Net loans and leases to deposits | 110.3167% | 222 |
| Net loans and leases to core deposits | 120.5252% | 402 |
| Total domestic deposits to total assets | 77.4208% | 4,273 |
| Equity capital to assets | 11.9721% | 1,692 |
| Core capital (leverage) ratio | 12.1879% | 1,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,492,750 | 3,007 |
| Average earning assets | $186,827,000 | 2,920 |
| Average equity | $24,287,500 | 2,854 |
| Average total loans | $169,739,750 | 2,490 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1572% | 123 |
| Cost of funding earning assets | 1.6795% | 82 |
| Net interest margin | 4.4776% | 526 |
| Noninterest income to average assets | 0.0162% | 4,979 |
| Noninterest expense to average assets | 2.3747% | 3,326 |
| Loan and lease loss provision to assets | 0.3204% | 1,333 |
| Net operating income to assets | 1.6529% | 676 |
| Return on assets (ROA) | 1.6529% | 736 |
| Pretax return on assets | 1.7133% | 975 |
| Return on Equity (ROE) | 12.6777% | 1,175 |
| Retained earnings to average equity (ytd only) | -2.5653% | 4,628 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8669% | 4,195 |
| Assets per employee ($millions) | 8.6261% | 774 |
| Cash dividends to net income (ytd only)* | 120.2350% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 3,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 86.1840% | 130 |
| Net loans and leases to deposits | 113.8673% | 161 |
| Net loans and leases to core deposits | 128.6849% | 275 |
| Total domestic deposits to total assets | 75.6881% | 4,456 |
| Equity capital to assets | 12.1179% | 1,594 |
| Core capital (leverage) ratio | 12.7647% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,372,667 | 3,035 |
| Average earning assets | $181,837,000 | 2,937 |
| Average equity | $24,168,333 | 2,843 |
| Average total loans | $167,095,000 | 2,498 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4038% | 95 |
| Cost of funding earning assets | 1.7662% | 101 |
| Net interest margin | 4.6376% | 386 |
| Noninterest income to average assets | 0.0291% | 5,004 |
| Noninterest expense to average assets | 2.7083% | 2,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8070% | 409 |
| Return on assets (ROA) | 1.8070% | 451 |
| Pretax return on assets | 1.8719% | 601 |
| Return on Equity (ROE) | 13.3380% | 817 |
| Retained earnings to average equity (ytd only) | -3.9453% | 4,432 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1309% | 3,849 |
| Assets per employee ($millions) | 7.5149% | 887 |
| Cash dividends to net income (ytd only)* | 129.5792% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 4,270 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 90.9996% | 19 |
| Net loans and leases to deposits | 124.7169% | 61 |
| Net loans and leases to core deposits | 143.0395% | 147 |
| Total domestic deposits to total assets | 72.9649% | 4,726 |
| Equity capital to assets | 13.3695% | 1,275 |
| Core capital (leverage) ratio | 13.5906% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,858,500 | 3,056 |
| Average earning assets | $175,522,000 | 2,962 |
| Average equity | $24,231,500 | 2,831 |
| Average total loans | $164,294,000 | 2,494 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6395% | 91 |
| Cost of funding earning assets | 1.7754% | 152 |
| Net interest margin | 4.8641% | 355 |
| Noninterest income to average assets | 0.0017% | 5,126 |
| Noninterest expense to average assets | 1.9476% | 4,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.7349% | 101 |
| Return on assets (ROA) | 2.7349% | 106 |
| Pretax return on assets | 2.8340% | 118 |
| Return on Equity (ROE) | 19.6272% | 233 |
| Retained earnings to average equity (ytd only) | 1.5842% | 4,172 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7305% | 5,055 |
| Assets per employee ($millions) | 8.4457% | 607 |
| Cash dividends to net income (ytd only)* | 91.9283% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8647% | 4,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 91.1389% | 26 |
| Net loans and leases to deposits | 125.4291% | 58 |
| Net loans and leases to core deposits | 146.1444% | 141 |
| Total domestic deposits to total assets | 72.6617% | 4,843 |
| Equity capital to assets | 13.7292% | 1,197 |
| Core capital (leverage) ratio | 13.8842% | 957 |
| Tier 1 risk-based capital ratio | 17.5222% | 1,886 |
| Total risk-based capital ratio | 18.5368% | 1,913 |
| Memoranda: | ||
| Average total assets | $173,497,600 | 3,077 |
| Average earning assets | $170,494,400 | 2,979 |
| Average equity | $24,175,600 | 2,778 |
| Average total loans | $159,815,400 | 2,511 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6537% | 94 |
| Cost of funding earning assets | 1.7566% | 167 |
| Net interest margin | 4.8971% | 343 |
| Noninterest income to average assets | -0.0070% | 5,221 |
| Noninterest expense to average assets | 1.9505% | 4,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.7557% | 110 |
| Return on assets (ROA) | 2.7557% | 116 |
| Pretax return on assets | 2.8554% | 139 |
| Return on Equity (ROE) | 19.7023% | 271 |
| Retained earnings to average equity (ytd only) | 2.0995% | 4,238 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5853% | 5,108 |
| Assets per employee ($millions) | 8.3735% | 605 |
| Cash dividends to net income (ytd only)* | 89.3437% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 4,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 90.8561% | 31 |
| Net loans and leases to deposits | 124.9306% | 66 |
| Net loans and leases to core deposits | 146.2059% | 142 |
| Total domestic deposits to total assets | 72.7253% | 4,884 |
| Equity capital to assets | 13.8458% | 1,215 |
| Core capital (leverage) ratio | 13.7224% | 1,071 |
| Tier 1 risk-based capital ratio | 18.0039% | 1,815 |
| Total risk-based capital ratio | 19.0466% | 1,824 |
| Memoranda: | ||
| Average total assets | $172,532,250 | 3,115 |
| Average earning assets | $169,564,250 | 3,019 |
| Average equity | $24,132,000 | 2,797 |
| Average total loans | $159,006,000 | 2,546 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5600% | 106 |
| Cost of funding earning assets | 1.6943% | 187 |
| Net interest margin | 4.8657% | 362 |
| Noninterest income to average assets | 0.0350% | 5,193 |
| Noninterest expense to average assets | 1.9763% | 4,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.7405% | 114 |
| Return on assets (ROA) | 2.7405% | 119 |
| Pretax return on assets | 2.8397% | 150 |
| Return on Equity (ROE) | 19.5259% | 284 |
| Retained earnings to average equity (ytd only) | 1.4962% | 4,294 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0368% | 5,143 |
| Assets per employee ($millions) | 8.1468% | 637 |
| Cash dividends to net income (ytd only)* | 92.3372% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8704% | 4,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 89.5988% | 60 |
| Net loans and leases to deposits | 122.1315% | 71 |
| Net loans and leases to core deposits | 145.3486% | 155 |
| Total domestic deposits to total assets | 73.3626% | 4,874 |
| Equity capital to assets | 13.4722% | 1,333 |
| Core capital (leverage) ratio | 13.8219% | 1,015 |
| Tier 1 risk-based capital ratio | 18.1571% | 1,761 |
| Total risk-based capital ratio | 19.2173% | 1,770 |
| Memoranda: | ||
| Average total assets | $171,428,330 | 3,143 |
| Average earning assets | $168,445,000 | 3,043 |
| Average equity | $24,060,330 | 2,795 |
| Average total loans | $158,283,000 | 2,562 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5761% | 109 |
| Cost of funding earning assets | 1.5930% | 235 |
| Net interest margin | 4.9831% | 288 |
| Noninterest income to average assets | 0.0406% | 5,236 |
| Noninterest expense to average assets | 2.0629% | 4,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.7768% | 103 |
| Return on assets (ROA) | 2.7768% | 112 |
| Pretax return on assets | 2.8771% | 146 |
| Return on Equity (ROE) | 19.3692% | 301 |
| Retained earnings to average equity (ytd only) | 1.7321% | 4,130 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7593% | 5,167 |
| Assets per employee ($millions) | 8.5686% | 547 |
| Cash dividends to net income (ytd only)* | 91.0576% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 4,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 92.5267% | 15 |
| Net loans and leases to deposits | 132.4878% | 37 |
| Net loans and leases to core deposits | 153.6369% | 111 |
| Total domestic deposits to total assets | 69.8380% | 5,116 |
| Equity capital to assets | 14.0456% | 1,021 |
| Core capital (leverage) ratio | 14.5187% | 807 |
| Tier 1 risk-based capital ratio | 18.2477% | 1,728 |
| Total risk-based capital ratio | 19.3165% | 1,736 |
| Memoranda: | ||
| Average total assets | $167,528,000 | 3,215 |
| Average earning assets | $164,717,000 | 3,118 |
| Average equity | $24,017,500 | 2,803 |
| Average total loans | $156,426,000 | 2,620 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6021% | 81 |
| Cost of funding earning assets | 1.4615% | 105 |
| Net interest margin | 5.1406% | 207 |
| Noninterest income to average assets | 0.0484% | 5,275 |
| Noninterest expense to average assets | 1.9384% | 4,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 3.0511% | 75 |
| Return on assets (ROA) | 3.0511% | 77 |
| Pretax return on assets | 3.1621% | 82 |
| Return on Equity (ROE) | 20.7496% | 217 |
| Retained earnings to average equity (ytd only) | 0.6337% | 4,822 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0048% | 5,305 |
| Assets per employee ($millions) | 8.6150% | 530 |
| Cash dividends to net income (ytd only)* | 96.9460% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 4,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 92.5363% | 22 |
| Net loans and leases to deposits | 124.7739% | 66 |
| Net loans and leases to core deposits | 143.9605% | 167 |
| Total domestic deposits to total assets | 74.1632% | 4,940 |
| Equity capital to assets | 14.6409% | 797 |
| Core capital (leverage) ratio | 14.9186% | 711 |
| Tier 1 risk-based capital ratio | 19.2093% | 1,476 |
| Total risk-based capital ratio | 20.3393% | 1,463 |
| Memoranda: | ||
| Average total assets | $163,120,200 | 3,237 |
| Average earning assets | $160,313,000 | 3,135 |
| Average equity | $23,986,000 | 2,732 |
| Average total loans | $148,432,800 | 2,664 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6700% | 73 |
| Cost of funding earning assets | 1.4402% | 83 |
| Net interest margin | 5.2297% | 171 |
| Noninterest income to average assets | 0.0425% | 5,356 |
| Noninterest expense to average assets | 1.9806% | 4,777 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 3.0891% | 74 |
| Return on assets (ROA) | 3.0891% | 74 |
| Pretax return on assets | 3.2011% | 94 |
| Return on Equity (ROE) | 20.9849% | 213 |
| Retained earnings to average equity (ytd only) | 2.5342% | 4,386 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2223% | 5,365 |
| Assets per employee ($millions) | 8.6284% | 506 |
| Cash dividends to net income (ytd only)* | 87.9238% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 82.0885% | 699 |
| Net loans and leases to deposits | 106.3657% | 426 |
| Net loans and leases to core deposits | 122.1732% | 507 |
| Total domestic deposits to total assets | 77.1757% | 4,617 |
| Equity capital to assets | 14.8037% | 761 |
| Core capital (leverage) ratio | 14.7085% | 776 |
| Tier 1 risk-based capital ratio | 22.8811% | 949 |
| Total risk-based capital ratio | 24.1320% | 922 |
| Memoranda: | ||
| Average total assets | $162,979,000 | 3,270 |
| Average earning assets | $160,157,000 | 3,164 |
| Average equity | $23,991,250 | 2,739 |
| Average total loans | $147,321,500 | 2,690 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4357% | 82 |
| Cost of funding earning assets | 1.3943% | 74 |
| Net interest margin | 5.0414% | 230 |
| Noninterest income to average assets | 0.0369% | 5,428 |
| Noninterest expense to average assets | 2.0165% | 4,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.8686% | 93 |
| Return on assets (ROA) | 2.8686% | 93 |
| Pretax return on assets | 2.9731% | 116 |
| Return on Equity (ROE) | 19.5241% | 296 |
| Retained earnings to average equity (ytd only) | 2.2261% | 4,388 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4140% | 5,394 |
| Assets per employee ($millions) | 9.7833% | 340 |
| Cash dividends to net income (ytd only)* | 88.5984% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 4,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 90.9732% | 50 |
| Net loans and leases to deposits | 117.3537% | 139 |
| Net loans and leases to core deposits | 134.6052% | 258 |
| Total domestic deposits to total assets | 77.5205% | 4,660 |
| Equity capital to assets | 14.4779% | 811 |
| Core capital (leverage) ratio | 14.4459% | 795 |
| Tier 1 risk-based capital ratio | 19.8650% | 1,350 |
| Total risk-based capital ratio | 21.0281% | 1,336 |
| Memoranda: | ||
| Average total assets | $162,659,000 | 3,288 |
| Average earning assets | $159,796,670 | 3,192 |
| Average equity | $23,898,670 | 2,762 |
| Average total loans | $151,100,330 | 2,655 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2966% | 93 |
| Cost of funding earning assets | 1.3069% | 79 |
| Net interest margin | 4.9896% | 231 |
| Noninterest income to average assets | 0.0373% | 5,500 |
| Noninterest expense to average assets | 2.2533% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.5891% | 126 |
| Return on assets (ROA) | 2.5891% | 128 |
| Pretax return on assets | 2.6836% | 158 |
| Return on Equity (ROE) | 17.4896% | 459 |
| Retained earnings to average equity (ytd only) | -0.1512% | 4,817 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6423% | 5,292 |
| Assets per employee ($millions) | 8.1289% | 601 |
| Cash dividends to net income (ytd only)* | 100.8646% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 4,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 92.5869% | 17 |
| Net loans and leases to deposits | 125.1434% | 67 |
| Net loans and leases to core deposits | 142.8836% | 187 |
| Total domestic deposits to total assets | 73.9846% | 5,157 |
| Equity capital to assets | 14.6417% | 744 |
| Core capital (leverage) ratio | 14.8552% | 674 |
| Tier 1 risk-based capital ratio | 19.6309% | 1,411 |
| Total risk-based capital ratio | 20.7936% | 1,400 |
| Memoranda: | ||
| Average total assets | $160,830,500 | 3,345 |
| Average earning assets | $157,927,000 | 3,237 |
| Average equity | $23,808,500 | 2,793 |
| Average total loans | $150,294,000 | 2,684 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2597% | 103 |
| Cost of funding earning assets | 1.2277% | 66 |
| Net interest margin | 5.0320% | 225 |
| Noninterest income to average assets | 0.0448% | 5,547 |
| Noninterest expense to average assets | 1.9333% | 5,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.9438% | 74 |
| Return on assets (ROA) | 2.9438% | 73 |
| Pretax return on assets | 3.0507% | 95 |
| Return on Equity (ROE) | 19.3798% | 221 |
| Retained earnings to average equity (ytd only) | 1.5841% | 4,360 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7904% | 5,544 |
| Assets per employee ($millions) | 8.3728% | 558 |
| Cash dividends to net income (ytd only)* | 91.8261% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 4,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 92.5568% | 26 |
| Net loans and leases to deposits | 122.8991% | 83 |
| Net loans and leases to core deposits | 141.6030% | 197 |
| Total domestic deposits to total assets | 75.3112% | 5,053 |
| Equity capital to assets | 14.9688% | 685 |
| Core capital (leverage) ratio | 15.2163% | 584 |
| Tier 1 risk-based capital ratio | 20.2170% | 1,277 |
| Total risk-based capital ratio | 21.4139% | 1,245 |
| Memoranda: | ||
| Average total assets | $156,259,000 | 3,398 |
| Average earning assets | $153,378,600 | 3,277 |
| Average equity | $23,736,000 | 2,783 |
| Average total loans | $144,509,000 | 2,711 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2255% | 102 |
| Cost of funding earning assets | 1.2147% | 61 |
| Net interest margin | 5.0108% | 227 |
| Noninterest income to average assets | 0.0446% | 5,624 |
| Noninterest expense to average assets | 1.9740% | 5,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.8843% | 90 |
| Return on assets (ROA) | 2.8843% | 91 |
| Pretax return on assets | 2.9888% | 113 |
| Return on Equity (ROE) | 18.9172% | 284 |
| Retained earnings to average equity (ytd only) | 3.6036% | 3,774 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7755% | 5,584 |
| Assets per employee ($millions) | 8.2385% | 581 |
| Cash dividends to net income (ytd only)* | 80.9511% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 4,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 91.5928% | 41 |
| Net loans and leases to deposits | 120.0750% | 102 |
| Net loans and leases to core deposits | 138.2658% | 224 |
| Total domestic deposits to total assets | 76.2796% | 4,989 |
| Equity capital to assets | 15.3841% | 655 |
| Core capital (leverage) ratio | 15.3820% | 599 |
| Tier 1 risk-based capital ratio | 21.4282% | 1,126 |
| Total risk-based capital ratio | 22.6784% | 1,105 |
| Memoranda: | ||
| Average total assets | $155,552,750 | 3,438 |
| Average earning assets | $152,681,000 | 3,318 |
| Average equity | $23,716,750 | 2,809 |
| Average total loans | $143,473,000 | 2,750 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1571% | 107 |
| Cost of funding earning assets | 1.1960% | 61 |
| Net interest margin | 4.9612% | 236 |
| Noninterest income to average assets | 0.0502% | 5,656 |
| Noninterest expense to average assets | 2.0628% | 4,847 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.7560% | 99 |
| Return on assets (ROA) | 2.7560% | 101 |
| Pretax return on assets | 2.8565% | 132 |
| Return on Equity (ROE) | 18.1307% | 322 |
| Retained earnings to average equity (ytd only) | 3.6872% | 3,504 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9329% | 5,577 |
| Assets per employee ($millions) | 8.3093% | 547 |
| Cash dividends to net income (ytd only)* | 79.6634% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 4,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 92.0260% | 36 |
| Net loans and leases to deposits | 121.7482% | 81 |
| Net loans and leases to core deposits | 138.8592% | 194 |
| Total domestic deposits to total assets | 75.5872% | 5,137 |
| Equity capital to assets | 15.1220% | 685 |
| Core capital (leverage) ratio | 15.2423% | 587 |
| Tier 1 risk-based capital ratio | 21.1772% | 1,158 |
| Total risk-based capital ratio | 22.4270% | 1,136 |
| Memoranda: | ||
| Average total assets | $155,226,330 | 3,449 |
| Average earning assets | $152,343,330 | 3,341 |
| Average equity | $23,595,330 | 2,822 |
| Average total loans | $143,036,670 | 2,757 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0725% | 112 |
| Cost of funding earning assets | 1.1785% | 64 |
| Net interest margin | 4.8940% | 264 |
| Noninterest income to average assets | 0.0624% | 5,697 |
| Noninterest expense to average assets | 2.2768% | 4,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.4977% | 135 |
| Return on assets (ROA) | 2.4977% | 138 |
| Pretax return on assets | 2.5887% | 193 |
| Return on Equity (ROE) | 16.3881% | 475 |
| Retained earnings to average equity (ytd only) | 0.6310% | 4,765 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7949% | 5,504 |
| Assets per employee ($millions) | 7.8148% | 666 |
| Cash dividends to net income (ytd only)* | 96.1498% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 4,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 89.5141% | 70 |
| Net loans and leases to deposits | 116.6797% | 110 |
| Net loans and leases to core deposits | 133.5516% | 220 |
| Total domestic deposits to total assets | 76.7177% | 5,149 |
| Equity capital to assets | 15.0197% | 652 |
| Core capital (leverage) ratio | 15.2918% | 558 |
| Tier 1 risk-based capital ratio | 21.7898% | 1,109 |
| Total risk-based capital ratio | 23.0409% | 1,082 |
| Memoranda: | ||
| Average total assets | $153,901,500 | 3,505 |
| Average earning assets | $151,041,500 | 3,387 |
| Average equity | $23,456,000 | 2,847 |
| Average total loans | $141,206,500 | 2,800 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2791% | 86 |
| Cost of funding earning assets | 1.1607% | 63 |
| Net interest margin | 5.1184% | 201 |
| Noninterest income to average assets | 0.0007% | 5,852 |
| Noninterest expense to average assets | 2.1398% | 4,915 |
| Loan and lease loss provision to assets | 0.1445% | 1,729 |
| Net operating income to assets | 2.6411% | 117 |
| Return on assets (ROA) | 2.6411% | 120 |
| Pretax return on assets | 2.7369% | 146 |
| Return on Equity (ROE) | 16.1369% | 494 |
| Retained earnings to average equity (ytd only) | 3.5437% | 3,409 |
| Net charge-offs to loans | -0.0980% | 5,586 |
| Credit loss provision to net charge-offs | -160.3175% | 4,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6150% | 5,733 |
| Assets per employee ($millions) | 7.9741% | 617 |
| Cash dividends to net income (ytd only)* | 78.0395% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 4,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 92.1978% | 28 |
| Net loans and leases to deposits | 131.5333% | 38 |
| Net loans and leases to core deposits | 148.0519% | 124 |
| Total domestic deposits to total assets | 70.0946% | 5,661 |
| Equity capital to assets | 15.4692% | 567 |
| Core capital (leverage) ratio | 16.0618% | 454 |
| Tier 1 risk-based capital ratio | 21.7696% | 1,111 |
| Total risk-based capital ratio | 23.0206% | 1,086 |
| Memoranda: | ||
| Average total assets | $139,829,200 | 3,676 |
| Average earning assets | $137,153,200 | 3,531 |
| Average equity | $22,885,400 | 2,899 |
| Average total loans | $128,513,400 | 2,943 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2592% | 91 |
| Cost of funding earning assets | 1.1686% | 60 |
| Net interest margin | 5.0906% | 213 |
| Noninterest income to average assets | -0.0166% | 5,941 |
| Noninterest expense to average assets | 2.2194% | 4,721 |
| Loan and lease loss provision to assets | 0.1967% | 1,083 |
| Net operating income to assets | 2.4707% | 161 |
| Return on assets (ROA) | 2.4707% | 169 |
| Pretax return on assets | 2.5603% | 201 |
| Return on Equity (ROE) | 14.8701% | 680 |
| Retained earnings to average equity (ytd only) | 1.9225% | 4,718 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5988% | 5,727 |
| Assets per employee ($millions) | 7.5597% | 700 |
| Cash dividends to net income (ytd only)* | 87.0714% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 4,593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 91.7395% | 30 |
| Net loans and leases to deposits | 129.0787% | 46 |
| Net loans and leases to core deposits | 143.3124% | 170 |
| Total domestic deposits to total assets | 71.0725% | 5,639 |
| Equity capital to assets | 15.9829% | 559 |
| Core capital (leverage) ratio | 16.9795% | 367 |
| Tier 1 risk-based capital ratio | 22.2445% | 1,103 |
| Total risk-based capital ratio | 23.4887% | 1,087 |
| Memoranda: | ||
| Average total assets | $136,909,500 | 3,742 |
| Average earning assets | $134,283,500 | 3,603 |
| Average equity | $22,747,500 | 2,940 |
| Average total loans | $125,367,500 | 2,995 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3608% | 82 |
| Cost of funding earning assets | 1.2052% | 51 |
| Net interest margin | 5.1556% | 185 |
| Noninterest income to average assets | 0.0594% | 5,895 |
| Noninterest expense to average assets | 2.3049% | 4,598 |
| Loan and lease loss provision to assets | 0.2005% | 1,067 |
| Net operating income to assets | 2.5188% | 149 |
| Return on assets (ROA) | 2.5188% | 151 |
| Pretax return on assets | 2.6109% | 187 |
| Return on Equity (ROE) | 14.9574% | 673 |
| Retained earnings to average equity (ytd only) | 2.2489% | 4,447 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0508% | 5,791 |
| Assets per employee ($millions) | 7.0327% | 865 |
| Cash dividends to net income (ytd only)* | 84.9646% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 4,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 90.4663% | 58 |
| Net loans and leases to deposits | 123.4422% | 82 |
| Net loans and leases to core deposits | 138.0483% | 205 |
| Total domestic deposits to total assets | 73.2864% | 5,583 |
| Equity capital to assets | 17.1283% | 416 |
| Core capital (leverage) ratio | 16.9735% | 370 |
| Tier 1 risk-based capital ratio | 24.8049% | 828 |
| Total risk-based capital ratio | 26.0558% | 817 |
| Memoranda: | ||
| Average total assets | $134,667,670 | 3,802 |
| Average earning assets | $132,089,330 | 3,659 |
| Average equity | $22,677,670 | 2,955 |
| Average total loans | $122,805,330 | 3,039 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1550% | 106 |
| Cost of funding earning assets | 1.2268% | 47 |
| Net interest margin | 4.9282% | 299 |
| Noninterest income to average assets | 0.0681% | 5,913 |
| Noninterest expense to average assets | 2.4469% | 4,234 |
| Loan and lease loss provision to assets | 0.1982% | 991 |
| Net operating income to assets | 2.1806% | 236 |
| Return on assets (ROA) | 2.1806% | 248 |
| Pretax return on assets | 2.2605% | 338 |
| Return on Equity (ROE) | 13.0599% | 1,030 |
| Retained earnings to average equity (ytd only) | -2.0378% | 5,389 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8794% | 5,634 |
| Assets per employee ($millions) | 7.0680% | 866 |
| Cash dividends to net income (ytd only)* | 115.6038% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 4,976 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 91.8059% | 36 |
| Net loans and leases to deposits | 126.0910% | 52 |
| Net loans and leases to core deposits | 141.8555% | 154 |
| Total domestic deposits to total assets | 72.8093% | 5,722 |
| Equity capital to assets | 16.7672% | 442 |
| Core capital (leverage) ratio | 16.6377% | 404 |
| Tier 1 risk-based capital ratio | 23.7259% | 945 |
| Total risk-based capital ratio | 24.9368% | 940 |
| Memoranda: | ||
| Average total assets | $135,191,000 | 3,815 |
| Average earning assets | $132,704,500 | 3,671 |
| Average equity | $22,573,000 | 2,968 |
| Average total loans | $123,158,500 | 3,039 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1839% | 112 |
| Cost of funding earning assets | 1.3412% | 31 |
| Net interest margin | 4.8427% | 335 |
| Noninterest income to average assets | 0.0988% | 5,878 |
| Noninterest expense to average assets | 2.2376% | 4,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.5076% | 150 |
| Return on assets (ROA) | 2.5060% | 154 |
| Pretax return on assets | 2.5968% | 176 |
| Return on Equity (ROE) | 14.1719% | 815 |
| Retained earnings to average equity (ytd only) | 3.4551% | 3,598 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2691% | 5,918 |
| Assets per employee ($millions) | 7.1626% | 835 |
| Cash dividends to net income (ytd only)* | 75.6198% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8878% | 5,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 88.7633% | 100 |
| Net loans and leases to deposits | 125.0316% | 69 |
| Net loans and leases to core deposits | 141.2247% | 151 |
| Total domestic deposits to total assets | 70.9927% | 5,852 |
| Equity capital to assets | 16.6280% | 447 |
| Core capital (leverage) ratio | 17.4461% | 318 |
| Tier 1 risk-based capital ratio | 24.2019% | 902 |
| Total risk-based capital ratio | 25.3591% | 894 |
| Memoranda: | ||
| Average total assets | $125,537,200 | 3,971 |
| Average earning assets | $122,802,200 | 3,821 |
| Average equity | $22,198,800 | 2,953 |
| Average total loans | $111,187,000 | 3,176 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2523% | 99 |
| Cost of funding earning assets | 1.3710% | 30 |
| Net interest margin | 4.8813% | 319 |
| Noninterest income to average assets | 0.0879% | 6,000 |
| Noninterest expense to average assets | 2.3032% | 4,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.4659% | 166 |
| Return on assets (ROA) | 2.4637% | 175 |
| Pretax return on assets | 2.5527% | 220 |
| Return on Equity (ROE) | 13.7064% | 961 |
| Retained earnings to average equity (ytd only) | 2.6979% | 4,496 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4096% | 5,901 |
| Assets per employee ($millions) | 6.5276% | 1,061 |
| Cash dividends to net income (ytd only)* | 80.3172% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 4,904 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 89.2610% | 83 |
| Net loans and leases to deposits | 126.0774% | 60 |
| Net loans and leases to core deposits | 137.3984% | 194 |
| Total domestic deposits to total assets | 70.7986% | 5,937 |
| Equity capital to assets | 17.9875% | 342 |
| Core capital (leverage) ratio | 18.2171% | 287 |
| Tier 1 risk-based capital ratio | 25.4338% | 815 |
| Total risk-based capital ratio | 26.6674% | 797 |
| Memoranda: | ||
| Average total assets | $122,899,000 | 4,070 |
| Average earning assets | $120,101,750 | 3,920 |
| Average equity | $22,091,250 | 2,978 |
| Average total loans | $108,513,750 | 3,253 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2674% | 100 |
| Cost of funding earning assets | 1.4186% | 22 |
| Net interest margin | 4.8488% | 329 |
| Noninterest income to average assets | 0.1453% | 5,837 |
| Noninterest expense to average assets | 2.3718% | 4,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.4223% | 188 |
| Return on assets (ROA) | 2.4191% | 196 |
| Pretax return on assets | 2.5073% | 250 |
| Return on Equity (ROE) | 13.4613% | 1,025 |
| Retained earnings to average equity (ytd only) | 3.7059% | 3,667 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5791% | 5,929 |
| Assets per employee ($millions) | 6.7701% | 944 |
| Cash dividends to net income (ytd only)* | 72.4696% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 4,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 89.4962% | 83 |
| Net loans and leases to deposits | 131.9520% | 37 |
| Net loans and leases to core deposits | 142.9802% | 147 |
| Total domestic deposits to total assets | 67.8248% | 6,116 |
| Equity capital to assets | 18.2749% | 313 |
| Core capital (leverage) ratio | 18.4408% | 269 |
| Tier 1 risk-based capital ratio | 25.1128% | 852 |
| Total risk-based capital ratio | 26.3329% | 840 |
| Memoranda: | ||
| Average total assets | $122,523,670 | 4,104 |
| Average earning assets | $119,699,000 | 3,951 |
| Average equity | $22,018,670 | 2,995 |
| Average total loans | $107,422,330 | 3,294 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2421% | 99 |
| Cost of funding earning assets | 1.4331% | 19 |
| Net interest margin | 4.8091% | 345 |
| Noninterest income to average assets | 0.1498% | 5,842 |
| Noninterest expense to average assets | 2.6731% | 3,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0998% | 280 |
| Return on assets (ROA) | 2.0935% | 304 |
| Pretax return on assets | 2.1684% | 412 |
| Return on Equity (ROE) | 11.7480% | 1,413 |
| Retained earnings to average equity (ytd only) | 1.4982% | 4,888 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1377% | 5,585 |
| Assets per employee ($millions) | 6.8994% | 890 |
| Cash dividends to net income (ytd only)* | 87.2473% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 4,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 82.7933% | 393 |
| Net loans and leases to deposits | 118.8023% | 99 |
| Net loans and leases to core deposits | 128.2169% | 265 |
| Total domestic deposits to total assets | 69.6900% | 6,147 |
| Equity capital to assets | 17.6697% | 357 |
| Core capital (leverage) ratio | 18.0536% | 280 |
| Tier 1 risk-based capital ratio | 26.4679% | 756 |
| Total risk-based capital ratio | 27.7187% | 738 |
| Memoranda: | ||
| Average total assets | $122,855,000 | 4,131 |
| Average earning assets | $120,023,500 | 3,974 |
| Average equity | $21,893,000 | 3,031 |
| Average total loans | $106,062,000 | 3,337 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6155% | 84 |
| Cost of funding earning assets | 1.5917% | 17 |
| Net interest margin | 5.0239% | 293 |
| Noninterest income to average assets | 0.2257% | 5,508 |
| Noninterest expense to average assets | 2.4586% | 4,677 |
| Loan and lease loss provision to assets | 0.0312% | 3,977 |
| Net operating income to assets | 2.5248% | 136 |
| Return on assets (ROA) | 2.5311% | 136 |
| Pretax return on assets | 2.6127% | 159 |
| Return on Equity (ROE) | 12.9824% | 1,143 |
| Retained earnings to average equity (ytd only) | 5.2466% | 2,434 |
| Net charge-offs to loans | 0.0113% | 4,676 |
| Credit loss provision to net charge-offs | 309.0909% | 844 |
| Earnings coverage of net charge-offs (x) | 261.3636% | 205 |
| Efficiency ratio | 48.2448% | 6,175 |
| Assets per employee ($millions) | 6.7511% | 934 |
| Cash dividends to net income (ytd only)* | 59.5868% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 5,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 5,631 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 88.1657% | 110 |
| Net loans and leases to deposits | 131.6252% | 39 |
| Net loans and leases to core deposits | 139.9412% | 166 |
| Total domestic deposits to total assets | 66.9824% | 6,301 |
| Equity capital to assets | 17.9740% | 317 |
| Core capital (leverage) ratio | 18.7395% | 259 |
| Tier 1 risk-based capital ratio | 24.7770% | 860 |
| Total risk-based capital ratio | 26.0049% | 843 |
| Memoranda: | ||
| Average total assets | $109,005,400 | 4,396 |
| Average earning assets | $105,675,600 | 4,278 |
| Average equity | $21,251,800 | 3,024 |
| Average total loans | $96,973,800 | 3,480 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7272% | 79 |
| Cost of funding earning assets | 1.6271% | 17 |
| Net interest margin | 5.1001% | 246 |
| Noninterest income to average assets | 0.2947% | 5,090 |
| Noninterest expense to average assets | 2.5551% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.5929% | 125 |
| Return on assets (ROA) | 2.5929% | 127 |
| Pretax return on assets | 2.6735% | 163 |
| Return on Equity (ROE) | 13.0081% | 1,218 |
| Retained earnings to average equity (ytd only) | 5.8059% | 2,530 |
| Net charge-offs to loans | 0.0156% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 192.9516% | 332 |
| Efficiency ratio | 48.8680% | 6,165 |
| Assets per employee ($millions) | 6.4149% | 1,068 |
| Cash dividends to net income (ytd only)* | 55.3667% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 5,110 |
| Loan loss allowance to noncurrent loans | 859.0164% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 5,743 |
| Noncurrent loans to loans | 0.1190% | 5,573 |
| Net loans and leases to total assets | 87.8677% | 118 |
| Net loans and leases to deposits | 127.2050% | 53 |
| Net loans and leases to core deposits | 134.3503% | 186 |
| Total domestic deposits to total assets | 69.0757% | 6,313 |
| Equity capital to assets | 18.7453% | 284 |
| Core capital (leverage) ratio | 19.5331% | 227 |
| Tier 1 risk-based capital ratio | 25.7280% | 815 |
| Total risk-based capital ratio | 26.9741% | 793 |
| Memoranda: | ||
| Average total assets | $105,876,750 | 4,502 |
| Average earning assets | $102,426,750 | 4,381 |
| Average equity | $21,104,250 | 3,051 |
| Average total loans | $94,162,000 | 3,578 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8567% | 70 |
| Cost of funding earning assets | 1.6616% | 17 |
| Net interest margin | 5.1951% | 205 |
| Noninterest income to average assets | 0.1013% | 6,279 |
| Noninterest expense to average assets | 2.6724% | 3,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.3491% | 179 |
| Return on assets (ROA) | 2.3491% | 183 |
| Pretax return on assets | 2.4348% | 241 |
| Return on Equity (ROE) | 11.5274% | 1,570 |
| Retained earnings to average equity (ytd only) | 3.9954% | 3,639 |
| Net charge-offs to loans | 0.0241% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 113.6364% | 506 |
| Efficiency ratio | 52.3265% | 6,044 |
| Assets per employee ($millions) | 5.6566% | 1,562 |
| Cash dividends to net income (ytd only)* | 65.3400% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 4,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 3,979 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 87.4651% | 114 |
| Net loans and leases to deposits | 134.1534% | 30 |
| Net loans and leases to core deposits | 137.3324% | 153 |
| Total domestic deposits to total assets | 65.1978% | 6,496 |
| Equity capital to assets | 19.6686% | 232 |
| Core capital (leverage) ratio | 20.0182% | 199 |
| Tier 1 risk-based capital ratio | 26.1643% | 753 |
| Total risk-based capital ratio | 27.4152% | 743 |
| Memoranda: | ||
| Average total assets | $102,679,330 | 4,616 |
| Average earning assets | $98,940,000 | 4,493 |
| Average equity | $20,924,000 | 3,066 |
| Average total loans | $91,380,000 | 3,657 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7624% | 80 |
| Cost of funding earning assets | 1.6730% | 17 |
| Net interest margin | 5.0894% | 228 |
| Noninterest income to average assets | -0.0439% | 6,647 |
| Noninterest expense to average assets | 2.7682% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0064% | 340 |
| Return on assets (ROA) | 2.0064% | 352 |
| Pretax return on assets | 2.0782% | 446 |
| Return on Equity (ROE) | 9.6654% | 2,173 |
| Retained earnings to average equity (ytd only) | 3.9776% | 3,728 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1193% | 5,740 |
| Assets per employee ($millions) | 4.8253% | 2,476 |
| Cash dividends to net income (ytd only)* | 58.8469% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 4,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7125% | 3,978 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 89.0015% | 61 |
| Net loans and leases to deposits | 146.6050% | 19 |
| Net loans and leases to core deposits | 151.3306% | 93 |
| Total domestic deposits to total assets | 60.7084% | 6,636 |
| Equity capital to assets | 20.6638% | 185 |
| Core capital (leverage) ratio | 20.8172% | 172 |
| Tier 1 risk-based capital ratio | 26.6678% | 732 |
| Total risk-based capital ratio | 27.9187% | 721 |
| Memoranda: | ||
| Average total assets | $100,281,000 | 4,728 |
| Average earning assets | $96,356,500 | 4,612 |
| Average equity | $20,816,500 | 3,079 |
| Average total loans | $89,544,000 | 3,706 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8052% | 70 |
| Cost of funding earning assets | 1.8039% | 17 |
| Net interest margin | 5.0012% | 312 |
| Noninterest income to average assets | 0.2596% | 5,491 |
| Noninterest expense to average assets | 2.7971% | 3,739 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.1536% | 261 |
| Return on assets (ROA) | 2.1536% | 266 |
| Pretax return on assets | 2.2059% | 311 |
| Return on Equity (ROE) | 11.2486% | 1,686 |
| Retained earnings to average equity (ytd only) | 2.5121% | 4,464 |
| Net charge-offs to loans | 0.2723% | 2,338 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 9.6803% | 2,470 |
| Efficiency ratio | 55.9082% | 5,957 |
| Assets per employee ($millions) | 5.2226% | 1,935 |
| Cash dividends to net income (ytd only)* | 77.6670% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 4,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 3,840 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 87.4564% | 106 |
| Net loans and leases to deposits | 144.7566% | 19 |
| Net loans and leases to core deposits | 148.7335% | 104 |
| Total domestic deposits to total assets | 60.4162% | 6,712 |
| Equity capital to assets | 20.8546% | 171 |
| Core capital (leverage) ratio | 20.6658% | 171 |
| Tier 1 risk-based capital ratio | 27.3529% | 649 |
| Total risk-based capital ratio | 28.6052% | 636 |
| Memoranda: | ||
| Average total assets | $107,075,600 | 4,568 |
| Average earning assets | $101,555,400 | 4,471 |
| Average equity | $20,500,400 | 3,102 |
| Average total loans | $89,610,600 | 3,701 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7849% | 72 |
| Cost of funding earning assets | 1.8206% | 20 |
| Net interest margin | 4.9643% | 339 |
| Noninterest income to average assets | 0.3179% | 5,153 |
| Noninterest expense to average assets | 2.8723% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.0934% | 309 |
| Return on assets (ROA) | 2.0934% | 318 |
| Pretax return on assets | 2.1436% | 437 |
| Return on Equity (ROE) | 11.1608% | 1,767 |
| Retained earnings to average equity (ytd only) | 2.7837% | 4,653 |
| Net charge-offs to loans | 0.3613% | 1,749 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 7.1843% | 2,832 |
| Efficiency ratio | 57.2647% | 5,769 |
| Assets per employee ($millions) | 5.4067% | 1,722 |
| Cash dividends to net income (ytd only)* | 75.0584% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 4,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7924% | 4,123 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 84.9027% | 192 |
| Net loans and leases to deposits | 137.5917% | 27 |
| Net loans and leases to core deposits | 141.1477% | 119 |
| Total domestic deposits to total assets | 61.7063% | 6,775 |
| Equity capital to assets | 20.0639% | 213 |
| Core capital (leverage) ratio | 19.9905% | 205 |
| Tier 1 risk-based capital ratio | 26.6519% | 731 |
| Total risk-based capital ratio | 27.9031% | 717 |
| Memoranda: | ||
| Average total assets | $109,037,000 | 4,555 |
| Average earning assets | $103,187,750 | 4,468 |
| Average equity | $20,452,000 | 3,143 |
| Average total loans | $90,052,750 | 3,716 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7100% | 78 |
| Cost of funding earning assets | 1.8236% | 23 |
| Net interest margin | 4.8864% | 378 |
| Noninterest income to average assets | 0.3077% | 5,243 |
| Noninterest expense to average assets | 3.0178% | 2,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8661% | 454 |
| Return on assets (ROA) | 1.8661% | 485 |
| Pretax return on assets | 1.9093% | 738 |
| Return on Equity (ROE) | 10.1672% | 2,135 |
| Retained earnings to average equity (ytd only) | 6.8631% | 1,951 |
| Net charge-offs to loans | 0.3729% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.2781% | 2,744 |
| Efficiency ratio | 61.2491% | 5,287 |
| Assets per employee ($millions) | 5.8406% | 1,317 |
| Cash dividends to net income (ytd only)* | 32.4976% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 4,643 |
| Loan loss allowance to noncurrent loans | 232.8542% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 1.6827% | 2,592 |
| Noncurrent loans to loans | 0.5456% | 4,892 |
| Net loans and leases to total assets | 83.8200% | 247 |
| Net loans and leases to deposits | 137.3420% | 26 |
| Net loans and leases to core deposits | 141.4060% | 128 |
| Total domestic deposits to total assets | 61.0302% | 6,828 |
| Equity capital to assets | 19.6737% | 221 |
| Core capital (leverage) ratio | 19.3909% | 221 |
| Tier 1 risk-based capital ratio | 26.4758% | 730 |
| Total risk-based capital ratio | 27.7283% | 717 |
| Memoranda: | ||
| Average total assets | $111,140,330 | 4,553 |
| Average earning assets | $105,067,000 | 4,454 |
| Average equity | $20,399,000 | 3,170 |
| Average total loans | $90,644,670 | 3,708 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4114% | 101 |
| Cost of funding earning assets | 1.8085% | 23 |
| Net interest margin | 4.6029% | 556 |
| Noninterest income to average assets | 0.2243% | 5,869 |
| Noninterest expense to average assets | 2.9646% | 3,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5769% | 738 |
| Return on assets (ROA) | 1.5769% | 797 |
| Pretax return on assets | 1.6120% | 1,282 |
| Return on Equity (ROE) | 8.8858% | 2,532 |
| Retained earnings to average equity (ytd only) | 8.8858% | 1,416 |
| Net charge-offs to loans | 0.7401% | 821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.7219% | 2,958 |
| Efficiency ratio | 64.7779% | 4,869 |
| Assets per employee ($millions) | 5.6166% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 5,072 |
| Loan loss allowance to noncurrent loans | 57.5635% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.9658% | 1,515 |
| Noncurrent loans to loans | 2.1257% | 2,468 |
| Net loans and leases to total assets | 85.7827% | 129 |
| Net loans and leases to deposits | 139.6345% | 28 |
| Net loans and leases to core deposits | 143.1008% | 114 |
| Total domestic deposits to total assets | 61.4337% | 6,903 |
| Equity capital to assets | 19.1866% | 254 |
| Core capital (leverage) ratio | 17.9430% | 288 |
| Tier 1 risk-based capital ratio | 25.1202% | 873 |
| Total risk-based capital ratio | 26.3720% | 859 |
| Memoranda: | ||
| Average total assets | $114,145,500 | 4,525 |
| Average earning assets | $107,933,000 | 4,426 |
| Average equity | $20,257,000 | 3,224 |
| Average total loans | $91,340,000 | 3,710 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9134% | 81 |
| Cost of funding earning assets | 2.0066% | 30 |
| Net interest margin | 4.9069% | 442 |
| Noninterest income to average assets | 0.4518% | 4,236 |
| Noninterest expense to average assets | 2.5780% | 4,822 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.4546% | 164 |
| Return on assets (ROA) | 2.4546% | 179 |
| Pretax return on assets | 2.5051% | 254 |
| Return on Equity (ROE) | 15.2100% | 774 |
| Retained earnings to average equity (ytd only) | 2.7005% | 4,335 |
| Net charge-offs to loans | 0.2437% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 12.7633% | 1,898 |
| Efficiency ratio | 50.7171% | 6,541 |
| Assets per employee ($millions) | 6.3987% | 1,051 |
| Cash dividends to net income (ytd only)* | 82.2454% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 3,953 |
| Loan loss allowance to noncurrent loans | 441.6949% | 911 |
| Noncurrent assets plus other real estate owned to assets | 1.3276% | 3,426 |
| Noncurrent loans to loans | 0.3278% | 5,666 |
| Net loans and leases to total assets | 72.9585% | 1,344 |
| Net loans and leases to deposits | 114.6321% | 103 |
| Net loans and leases to core deposits | 117.2939% | 330 |
| Total domestic deposits to total assets | 63.6458% | 6,934 |
| Equity capital to assets | 16.4827% | 482 |
| Core capital (leverage) ratio | 16.4562% | 398 |
| Tier 1 risk-based capital ratio | 24.9580% | 856 |
| Total risk-based capital ratio | 26.2122% | 847 |
| Memoranda: | ||
| Average total assets | $124,826,200 | 4,253 |
| Average earning assets | $117,814,000 | 4,164 |
| Average equity | $20,144,600 | 3,190 |
| Average total loans | $100,522,200 | 3,506 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0903% | 77 |
| Cost of funding earning assets | 2.0316% | 25 |
| Net interest margin | 5.0587% | 366 |
| Noninterest income to average assets | 0.8660% | 1,958 |
| Noninterest expense to average assets | 2.8324% | 3,863 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.7454% | 131 |
| Return on assets (ROA) | 2.7454% | 138 |
| Pretax return on assets | 2.8006% | 193 |
| Return on Equity (ROE) | 17.1000% | 597 |
| Retained earnings to average equity (ytd only) | 8.1765% | 1,541 |
| Net charge-offs to loans | 0.3193% | 2,847 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 10.6841% | 2,159 |
| Efficiency ratio | 50.2826% | 6,566 |
| Assets per employee ($millions) | 6.1535% | 1,158 |
| Cash dividends to net income (ytd only)* | 52.1841% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 4,476 |
| Loan loss allowance to noncurrent loans | 189.0988% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 2.5823% | 2,044 |
| Noncurrent loans to loans | 0.7279% | 4,969 |
| Net loans and leases to total assets | 75.7398% | 1,009 |
| Net loans and leases to deposits | 120.8612% | 75 |
| Net loans and leases to core deposits | 123.6640% | 252 |
| Total domestic deposits to total assets | 62.6668% | 7,037 |
| Equity capital to assets | 16.8424% | 487 |
| Core capital (leverage) ratio | 16.7577% | 398 |
| Tier 1 risk-based capital ratio | 23.8413% | 1,042 |
| Total risk-based capital ratio | 25.0949% | 1,023 |
| Memoranda: | ||
| Average total assets | $125,638,750 | 4,279 |
| Average earning assets | $118,394,250 | 4,187 |
| Average equity | $20,171,000 | 3,213 |
| Average total loans | $103,152,000 | 3,482 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2496% | 73 |
| Cost of funding earning assets | 2.0543% | 29 |
| Net interest margin | 5.1953% | 290 |
| Noninterest income to average assets | 0.6783% | 2,783 |
| Noninterest expense to average assets | 2.7132% | 4,356 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.8049% | 125 |
| Return on assets (ROA) | 2.8049% | 133 |
| Pretax return on assets | 2.8634% | 178 |
| Return on Equity (ROE) | 17.7530% | 535 |
| Retained earnings to average equity (ytd only) | 6.9451% | 2,132 |
| Net charge-offs to loans | 0.4659% | 2,205 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 7.3320% | 2,501 |
| Efficiency ratio | 48.6532% | 6,732 |
| Assets per employee ($millions) | 6.6107% | 902 |
| Cash dividends to net income (ytd only)* | 60.8794% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 4,928 |
| Loan loss allowance to noncurrent loans | 151.9860% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 2.9673% | 1,854 |
| Noncurrent loans to loans | 0.8496% | 4,820 |
| Net loans and leases to total assets | 79.1765% | 597 |
| Net loans and leases to deposits | 126.5290% | 47 |
| Net loans and leases to core deposits | 129.8311% | 210 |
| Total domestic deposits to total assets | 62.5757% | 7,106 |
| Equity capital to assets | 16.0713% | 566 |
| Core capital (leverage) ratio | 16.0667% | 449 |
| Tier 1 risk-based capital ratio | 21.6362% | 1,363 |
| Total risk-based capital ratio | 22.8880% | 1,335 |
| Memoranda: | ||
| Average total assets | $126,495,000 | 4,282 |
| Average earning assets | $119,262,330 | 4,190 |
| Average equity | $19,985,330 | 3,222 |
| Average total loans | $106,031,330 | 3,429 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1114% | 83 |
| Cost of funding earning assets | 2.0796% | 31 |
| Net interest margin | 5.0318% | 377 |
| Noninterest income to average assets | 0.7279% | 2,511 |
| Noninterest expense to average assets | 2.9053% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.5177% | 177 |
| Return on assets (ROA) | 2.5177% | 214 |
| Pretax return on assets | 2.5650% | 305 |
| Return on Equity (ROE) | 16.0724% | 798 |
| Retained earnings to average equity (ytd only) | 16.0724% | 363 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1106% | 6,424 |
| Assets per employee ($millions) | 7.3989% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 4,455 |
| Loan loss allowance to noncurrent loans | 212.0548% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 3.7438% | 1,497 |
| Noncurrent loans to loans | 0.6760% | 5,303 |
| Net loans and leases to total assets | 84.6202% | 171 |
| Net loans and leases to deposits | 135.7736% | 33 |
| Net loans and leases to core deposits | 138.8574% | 154 |
| Total domestic deposits to total assets | 62.3245% | 7,165 |
| Equity capital to assets | 16.1207% | 558 |
| Core capital (leverage) ratio | 15.9892% | 464 |
| Tier 1 risk-based capital ratio | 20.2402% | 1,651 |
| Total risk-based capital ratio | 21.4939% | 1,624 |
| Memoranda: | ||
| Average total assets | $126,941,000 | 4,303 |
| Average earning assets | $119,639,500 | 4,205 |
| Average equity | $19,885,000 | 3,235 |
| Average total loans | $108,672,500 | 3,385 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1290% | 85 |
| Cost of funding earning assets | 2.3075% | 43 |
| Net interest margin | 4.8215% | 595 |
| Noninterest income to average assets | 0.2998% | 5,384 |
| Noninterest expense to average assets | 2.4967% | 5,476 |
| Loan and lease loss provision to assets | 0.2896% | 3,350 |
| Net operating income to assets | 2.0630% | 276 |
| Return on assets (ROA) | 2.0630% | 295 |
| Pretax return on assets | 2.0915% | 449 |
| Return on Equity (ROE) | 15.2815% | 701 |
| Retained earnings to average equity (ytd only) | 11.3271% | 366 |
| Net charge-offs to loans | 0.8093% | 2,130 |
| Credit loss provision to net charge-offs | 41.5094% | 5,606 |
| Earnings coverage of net charge-offs (x) | 3.4130% | 3,531 |
| Efficiency ratio | 51.1844% | 6,764 |
| Assets per employee ($millions) | 7.1167% | 687 |
| Cash dividends to net income (ytd only)* | 25.8773% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 4,391 |
| Loan loss allowance to noncurrent loans | 34.7787% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 5.9469% | 826 |
| Noncurrent loans to loans | 4.0700% | 1,531 |
| Net loans and leases to total assets | 84.1624% | 202 |
| Net loans and leases to deposits | 132.7146% | 49 |
| Net loans and leases to core deposits | 136.3259% | 188 |
| Total domestic deposits to total assets | 63.4161% | 7,183 |
| Equity capital to assets | 15.2170% | 734 |
| Core capital (leverage) ratio | 14.9093% | 615 |
| Tier 1 risk-based capital ratio | 19.3096% | 1,812 |
| Total risk-based capital ratio | 20.5627% | 1,782 |
| Memoranda: | ||
| Average total assets | $136,743,200 | 4,036 |
| Average earning assets | $129,835,000 | 3,935 |
| Average equity | $18,460,200 | 3,368 |
| Average total loans | $117,885,600 | 3,218 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2313% | 78 |
| Cost of funding earning assets | 2.3505% | 42 |
| Net interest margin | 4.8808% | 532 |
| Noninterest income to average assets | 0.2419% | 5,892 |
| Noninterest expense to average assets | 2.4746% | 5,548 |
| Loan and lease loss provision to assets | 0.3801% | 2,579 |
| Net operating income to assets | 1.9965% | 342 |
| Return on assets (ROA) | 1.9965% | 372 |
| Pretax return on assets | 2.0234% | 600 |
| Return on Equity (ROE) | 15.2360% | 799 |
| Retained earnings to average equity (ytd only) | 11.2805% | 584 |
| Net charge-offs to loans | 0.4399% | 2,968 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 6.3232% | 2,574 |
| Efficiency ratio | 50.7281% | 6,785 |
| Assets per employee ($millions) | 7.3129% | 636 |
| Cash dividends to net income (ytd only)* | 25.9615% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8775% | 2,689 |
| Loan loss allowance to noncurrent loans | 67.7824% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 4.8423% | 1,198 |
| Noncurrent loans to loans | 2.7698% | 2,513 |
| Net loans and leases to total assets | 83.6172% | 245 |
| Net loans and leases to deposits | 128.0429% | 55 |
| Net loans and leases to core deposits | 131.3151% | 234 |
| Total domestic deposits to total assets | 65.3040% | 7,219 |
| Equity capital to assets | 14.3909% | 1,027 |
| Core capital (leverage) ratio | 14.2796% | 824 |
| Tier 1 risk-based capital ratio | 18.3058% | 2,149 |
| Total risk-based capital ratio | 19.5659% | 2,109 |
| Memoranda: | ||
| Average total assets | $138,904,000 | 4,024 |
| Average earning assets | $131,941,500 | 3,918 |
| Average equity | $18,202,000 | 3,401 |
| Average total loans | $120,017,000 | 3,194 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2562% | 84 |
| Cost of funding earning assets | 2.3895% | 46 |
| Net interest margin | 4.8667% | 527 |
| Noninterest income to average assets | 0.1910% | 6,298 |
| Noninterest expense to average assets | 2.5204% | 5,456 |
| Loan and lease loss provision to assets | 0.3269% | 2,828 |
| Net operating income to assets | 1.9515% | 371 |
| Return on assets (ROA) | 1.9515% | 390 |
| Pretax return on assets | 1.9784% | 611 |
| Return on Equity (ROE) | 15.3606% | 738 |
| Retained earnings to average equity (ytd only) | 11.7962% | 547 |
| Net charge-offs to loans | 0.3767% | 3,045 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 7.0519% | 2,284 |
| Efficiency ratio | 52.2287% | 6,771 |
| Assets per employee ($millions) | 8.3897% | 404 |
| Cash dividends to net income (ytd only)* | 23.2052% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 2,939 |
| Loan loss allowance to noncurrent loans | 58.7284% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 4.4154% | 1,430 |
| Noncurrent loans to loans | 3.0896% | 2,332 |
| Net loans and leases to total assets | 84.8959% | 181 |
| Net loans and leases to deposits | 130.3055% | 53 |
| Net loans and leases to core deposits | 133.5630% | 231 |
| Total domestic deposits to total assets | 65.1514% | 7,283 |
| Equity capital to assets | 13.7505% | 1,179 |
| Core capital (leverage) ratio | 13.2486% | 1,071 |
| Tier 1 risk-based capital ratio | 17.4631% | 2,352 |
| Total risk-based capital ratio | 18.7218% | 2,321 |
| Memoranda: | ||
| Average total assets | $141,328,000 | 4,006 |
| Average earning assets | $134,589,000 | 3,894 |
| Average equity | $17,955,000 | 3,422 |
| Average total loans | $122,631,670 | 3,180 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0247% | 106 |
| Cost of funding earning assets | 2.4103% | 48 |
| Net interest margin | 4.6144% | 837 |
| Noninterest income to average assets | 0.1519% | 6,634 |
| Noninterest expense to average assets | 2.3938% | 5,898 |
| Loan and lease loss provision to assets | 0.4224% | 2,079 |
| Net operating income to assets | 1.7035% | 573 |
| Return on assets (ROA) | 1.7035% | 608 |
| Pretax return on assets | 1.7229% | 947 |
| Return on Equity (ROE) | 13.9407% | 1,004 |
| Retained earnings to average equity (ytd only) | 13.9407% | 479 |
| Net charge-offs to loans | 0.4860% | 2,255 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 5.0784% | 2,338 |
| Efficiency ratio | 52.7372% | 6,804 |
| Assets per employee ($millions) | 8.9431% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7083% | 3,309 |
| Loan loss allowance to noncurrent loans | 45.8025% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 6.0864% | 938 |
| Noncurrent loans to loans | 3.7297% | 1,980 |
| Net loans and leases to total assets | 84.6845% | 193 |
| Net loans and leases to deposits | 128.9137% | 61 |
| Net loans and leases to core deposits | 132.9796% | 240 |
| Total domestic deposits to total assets | 65.6908% | 7,339 |
| Equity capital to assets | 12.5823% | 1,580 |
| Core capital (leverage) ratio | 12.4674% | 1,340 |
| Tier 1 risk-based capital ratio | 15.7421% | 3,027 |
| Total risk-based capital ratio | 16.9992% | 2,985 |
| Memoranda: | ||
| Average total assets | $144,874,500 | 3,978 |
| Average earning assets | $137,743,000 | 3,864 |
| Average equity | $17,703,500 | 3,449 |
| Average total loans | $125,914,500 | 3,135 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0433% | 143 |
| Cost of funding earning assets | 2.7002% | 58 |
| Net interest margin | 4.3431% | 1,672 |
| Noninterest income to average assets | 0.3926% | 4,955 |
| Noninterest expense to average assets | 2.1339% | 6,767 |
| Loan and lease loss provision to assets | 0.3422% | 4,094 |
| Net operating income to assets | 2.0376% | 269 |
| Return on assets (ROA) | 2.0376% | 279 |
| Pretax return on assets | 2.0741% | 412 |
| Return on Equity (ROE) | 19.8439% | 264 |
| Retained earnings to average equity (ytd only) | 14.0849% | 161 |
| Net charge-offs to loans | 0.4568% | 3,792 |
| Credit loss provision to net charge-offs | 86.3492% | 5,266 |
| Earnings coverage of net charge-offs (x) | 6.0968% | 2,442 |
| Efficiency ratio | 46.8962% | 7,319 |
| Assets per employee ($millions) | 9.1662% | 315 |
| Cash dividends to net income (ytd only)* | 29.0213% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 3,431 |
| Loan loss allowance to noncurrent loans | 39.9469% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 5.6553% | 1,085 |
| Noncurrent loans to loans | 4.1012% | 1,764 |
| Net loans and leases to total assets | 86.2150% | 176 |
| Net loans and leases to deposits | 135.5641% | 54 |
| Net loans and leases to core deposits | 137.4160% | 246 |
| Total domestic deposits to total assets | 63.5972% | 7,450 |
| Equity capital to assets | 11.8663% | 1,993 |
| Core capital (leverage) ratio | 11.2878% | 1,960 |
| Tier 1 risk-based capital ratio | 14.7384% | 3,400 |
| Total risk-based capital ratio | 15.9952% | 3,357 |
| Memoranda: | ||
| Average total assets | $158,960,400 | 3,717 |
| Average earning assets | $152,173,800 | 3,603 |
| Average equity | $16,322,400 | 3,700 |
| Average total loans | $137,903,400 | 2,990 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9787% | 153 |
| Cost of funding earning assets | 2.7212% | 63 |
| Net interest margin | 4.2575% | 2,005 |
| Noninterest income to average assets | 0.2510% | 6,093 |
| Noninterest expense to average assets | 2.0332% | 6,992 |
| Loan and lease loss provision to assets | 0.2995% | 4,180 |
| Net operating income to assets | 1.9608% | 359 |
| Return on assets (ROA) | 1.9608% | 390 |
| Pretax return on assets | 1.9954% | 624 |
| Return on Equity (ROE) | 19.7932% | 319 |
| Retained earnings to average equity (ytd only) | 14.4773% | 239 |
| Net charge-offs to loans | 0.5124% | 3,239 |
| Credit loss provision to net charge-offs | 67.5325% | 5,486 |
| Earnings coverage of net charge-offs (x) | 5.1744% | 2,823 |
| Efficiency ratio | 46.9772% | 7,332 |
| Assets per employee ($millions) | 8.8901% | 362 |
| Cash dividends to net income (ytd only)* | 26.8569% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 4,015 |
| Loan loss allowance to noncurrent loans | 44.0585% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 4.9774% | 1,296 |
| Noncurrent loans to loans | 3.3812% | 2,354 |
| Net loans and leases to total assets | 83.3510% | 374 |
| Net loans and leases to deposits | 126.6005% | 83 |
| Net loans and leases to core deposits | 128.3117% | 408 |
| Total domestic deposits to total assets | 65.8378% | 7,476 |
| Equity capital to assets | 10.5279% | 3,484 |
| Core capital (leverage) ratio | 10.4165% | 2,783 |
| Tier 1 risk-based capital ratio | 13.4996% | 4,207 |
| Total risk-based capital ratio | 14.7545% | 4,156 |
| Memoranda: | ||
| Average total assets | $162,035,750 | 3,717 |
| Average earning assets | $155,172,250 | 3,591 |
| Average equity | $16,052,250 | 3,798 |
| Average total loans | $140,242,250 | 2,976 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0394% | 149 |
| Cost of funding earning assets | 2.7491% | 74 |
| Net interest margin | 4.2903% | 1,816 |
| Noninterest income to average assets | 0.3368% | 5,458 |
| Noninterest expense to average assets | 2.0306% | 7,054 |
| Loan and lease loss provision to assets | 0.1844% | 5,029 |
| Net operating income to assets | 2.1917% | 235 |
| Return on assets (ROA) | 2.1917% | 257 |
| Pretax return on assets | 2.2347% | 385 |
| Return on Equity (ROE) | 22.5877% | 189 |
| Retained earnings to average equity (ytd only) | 14.4800% | 279 |
| Net charge-offs to loans | 0.3482% | 3,608 |
| Credit loss provision to net charge-offs | 60.7287% | 5,192 |
| Earnings coverage of net charge-offs (x) | 7.9676% | 2,211 |
| Efficiency ratio | 45.6354% | 7,457 |
| Assets per employee ($millions) | 8.5860% | 397 |
| Cash dividends to net income (ytd only)* | 35.8946% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 3,817 |
| Loan loss allowance to noncurrent loans | 83.1019% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 4.1739% | 1,619 |
| Noncurrent loans to loans | 1.8299% | 3,966 |
| Net loans and leases to total assets | 83.1654% | 420 |
| Net loans and leases to deposits | 124.6335% | 93 |
| Net loans and leases to core deposits | 126.2714% | 504 |
| Total domestic deposits to total assets | 66.7280% | 7,498 |
| Equity capital to assets | 9.9593% | 4,064 |
| Core capital (leverage) ratio | 9.9522% | 3,218 |
| Tier 1 risk-based capital ratio | 12.7056% | 4,687 |
| Total risk-based capital ratio | 13.9607% | 4,650 |
| Memoranda: | ||
| Average total assets | $162,707,000 | 3,728 |
| Average earning assets | $155,979,000 | 3,600 |
| Average equity | $15,787,330 | 3,835 |
| Average total loans | $141,857,330 | 2,978 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1082% | 144 |
| Cost of funding earning assets | 2.7870% | 92 |
| Net interest margin | 4.3212% | 1,626 |
| Noninterest income to average assets | 0.1625% | 6,812 |
| Noninterest expense to average assets | 2.0456% | 7,071 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.2327% | 239 |
| Return on assets (ROA) | 2.2327% | 265 |
| Pretax return on assets | 2.2770% | 363 |
| Return on Equity (ROE) | 23.3199% | 214 |
| Retained earnings to average equity (ytd only) | 23.3199% | 126 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3235% | 7,486 |
| Assets per employee ($millions) | 8.9942% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 3,712 |
| Loan loss allowance to noncurrent loans | 48.4206% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 4.3942% | 1,546 |
| Noncurrent loans to loans | 3.1735% | 2,526 |
| Net loans and leases to total assets | 86.7599% | 177 |
| Net loans and leases to deposits | 130.5439% | 77 |
| Net loans and leases to core deposits | 132.7712% | 422 |
| Total domestic deposits to total assets | 66.4604% | 7,600 |
| Equity capital to assets | 9.8897% | 4,008 |
| Core capital (leverage) ratio | 9.8038% | 3,393 |
| Tier 1 risk-based capital ratio | 12.1093% | 5,078 |
| Total risk-based capital ratio | 13.3640% | 5,040 |
| Memoranda: | ||
| Average total assets | $162,493,500 | 3,792 |
| Average earning assets | $156,438,500 | 3,641 |
| Average equity | $15,557,500 | 3,904 |
| Average total loans | $143,903,000 | 3,005 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3859% | 155 |
| Cost of funding earning assets | 3.4252% | 60 |
| Net interest margin | 3.9607% | 3,028 |
| Noninterest income to average assets | 0.5131% | 4,312 |
| Noninterest expense to average assets | 2.0159% | 7,347 |
| Loan and lease loss provision to assets | 0.2562% | 5,347 |
| Net operating income to assets | 2.0418% | 210 |
| Return on assets (ROA) | 2.0418% | 228 |
| Pretax return on assets | 2.0585% | 363 |
| Return on Equity (ROE) | 23.0842% | 132 |
| Retained earnings to average equity (ytd only) | 8.0763% | 678 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5498% | 7,688 |
| Assets per employee ($millions) | 9.0607% | 348 |
| Cash dividends to net income (ytd only)* | 65.0136% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 3,665 |
| Loan loss allowance to noncurrent loans | 51.9801% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 3.3785% | 2,006 |
| Noncurrent loans to loans | 2.9052% | 2,658 |
| Net loans and leases to total assets | 87.6573% | 188 |
| Net loans and leases to deposits | 132.5060% | 80 |
| Net loans and leases to core deposits | 209.1219% | 83 |
| Total domestic deposits to total assets | 66.1535% | 7,632 |
| Equity capital to assets | 9.2610% | 4,754 |
| Core capital (leverage) ratio | 9.1800% | 4,150 |
| Tier 1 risk-based capital ratio | 11.0975% | 5,834 |
| Total risk-based capital ratio | 12.3517% | 5,777 |
| Memoranda: | ||
| Average total assets | $161,962,200 | 3,732 |
| Average earning assets | $156,109,200 | 3,594 |
| Average equity | $14,325,800 | 4,187 |
| Average total loans | $144,844,600 | 3,006 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3032% | 191 |
| Cost of funding earning assets | 3.5334% | 60 |
| Net interest margin | 3.7697% | 3,776 |
| Noninterest income to average assets | 0.5006% | 4,472 |
| Noninterest expense to average assets | 2.0641% | 7,258 |
| Loan and lease loss provision to assets | 0.1905% | 5,471 |
| Net operating income to assets | 1.8670% | 384 |
| Return on assets (ROA) | 1.8670% | 406 |
| Pretax return on assets | 1.8769% | 689 |
| Return on Equity (ROE) | 21.3611% | 237 |
| Retained earnings to average equity (ytd only) | 7.7745% | 1,210 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9601% | 7,557 |
| Assets per employee ($millions) | 9.2959% | 335 |
| Cash dividends to net income (ytd only)* | 63.6042% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 4,087 |
| Loan loss allowance to noncurrent loans | 32.7944% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 4.4321% | 1,387 |
| Noncurrent loans to loans | 4.1917% | 1,725 |
| Net loans and leases to total assets | 86.0996% | 336 |
| Net loans and leases to deposits | 128.4959% | 118 |
| Net loans and leases to core deposits | 203.1402% | 96 |
| Total domestic deposits to total assets | 67.0057% | 7,639 |
| Equity capital to assets | 8.8271% | 5,742 |
| Core capital (leverage) ratio | 8.8770% | 4,849 |
| Tier 1 risk-based capital ratio | 10.5455% | 6,420 |
| Total risk-based capital ratio | 11.7978% | 6,378 |
| Memoranda: | ||
| Average total assets | $161,679,750 | 3,769 |
| Average earning assets | $155,727,750 | 3,623 |
| Average equity | $14,131,250 | 4,261 |
| Average total loans | $144,767,250 | 3,039 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5466% | 144 |
| Cost of funding earning assets | 3.6379% | 70 |
| Net interest margin | 3.9087% | 3,073 |
| Noninterest income to average assets | 0.4518% | 4,831 |
| Noninterest expense to average assets | 2.0614% | 7,355 |
| Loan and lease loss provision to assets | 0.1927% | 5,120 |
| Net operating income to assets | 1.9437% | 341 |
| Return on assets (ROA) | 1.9437% | 372 |
| Pretax return on assets | 1.9562% | 621 |
| Return on Equity (ROE) | 22.3159% | 221 |
| Retained earnings to average equity (ytd only) | 5.9346% | 2,051 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9596% | 7,716 |
| Assets per employee ($millions) | 8.2643% | 450 |
| Cash dividends to net income (ytd only)* | 73.4063% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 4,268 |
| Loan loss allowance to noncurrent loans | 35.8190% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 4.4716% | 1,253 |
| Noncurrent loans to loans | 3.6300% | 1,918 |
| Net loans and leases to total assets | 88.6826% | 205 |
| Net loans and leases to deposits | 132.9560% | 101 |
| Net loans and leases to core deposits | 213.2414% | 89 |
| Total domestic deposits to total assets | 66.7007% | 7,696 |
| Equity capital to assets | 8.6880% | 5,772 |
| Core capital (leverage) ratio | 8.7059% | 5,075 |
| Tier 1 risk-based capital ratio | 10.0021% | 6,922 |
| Total risk-based capital ratio | 11.2530% | 6,853 |
| Memoranda: | ||
| Average total assets | $159,797,670 | 3,828 |
| Average earning assets | $153,659,000 | 3,670 |
| Average equity | $13,918,330 | 4,322 |
| Average total loans | $144,331,330 | 3,076 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0345% | 317 |
| Cost of funding earning assets | 3.7061% | 86 |
| Net interest margin | 3.3284% | 5,407 |
| Noninterest income to average assets | 0.5705% | 3,757 |
| Noninterest expense to average assets | 2.1496% | 7,011 |
| Loan and lease loss provision to assets | 0.3668% | 3,123 |
| Net operating income to assets | 1.2760% | 1,442 |
| Return on assets (ROA) | 1.2760% | 1,542 |
| Pretax return on assets | 1.2633% | 2,397 |
| Return on Equity (ROE) | 14.6304% | 1,048 |
| Retained earnings to average equity (ytd only) | -14.5720% | 7,414 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8733% | 6,849 |
| Assets per employee ($millions) | 8.2175% | 459 |
| Cash dividends to net income (ytd only)* | 199.6008% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 4,080 |
| Loan loss allowance to noncurrent loans | 30.6918% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 4.5799% | 1,038 |
| Noncurrent loans to loans | 4.2350% | 1,393 |
| Net loans and leases to total assets | 88.7562% | 212 |
| Net loans and leases to deposits | 133.2377% | 123 |
| Net loans and leases to core deposits | 216.3473% | 105 |
| Total domestic deposits to total assets | 66.6149% | 7,694 |
| Equity capital to assets | 8.1826% | 6,558 |
| Core capital (leverage) ratio | 8.4553% | 5,619 |
| Tier 1 risk-based capital ratio | 9.4885% | 7,432 |
| Total risk-based capital ratio | 10.7395% | 7,383 |
| Memoranda: | ||
| Average total assets | $157,053,500 | 3,883 |
| Average earning assets | $151,425,000 | 3,720 |
| Average equity | $13,697,500 | 4,402 |
| Average total loans | $142,241,500 | 3,129 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2287% | 141 |
| Cost of funding earning assets | 4.0823% | 72 |
| Net interest margin | 4.1464% | 2,516 |
| Noninterest income to average assets | 0.7165% | 3,012 |
| Noninterest expense to average assets | 1.9100% | 7,597 |
| Loan and lease loss provision to assets | -0.0669% | 8,242 |
| Net operating income to assets | 2.8420% | 79 |
| Return on assets (ROA) | 2.8420% | 78 |
| Pretax return on assets | 2.9009% | 107 |
| Return on Equity (ROE) | 31.9725% | 43 |
| Retained earnings to average equity (ytd only) | 16.1293% | 65 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2623% | 8,127 |
| Assets per employee ($millions) | 6.5112% | 884 |
| Cash dividends to net income (ytd only)* | 49.5527% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 3,782 |
| Loan loss allowance to noncurrent loans | 198.7696% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 3,605 |
| Noncurrent loans to loans | 0.6540% | 5,408 |
| Net loans and leases to total assets | 90.0887% | 190 |
| Net loans and leases to deposits | 143.4625% | 96 |
| Net loans and leases to core deposits | 222.3348% | 106 |
| Total domestic deposits to total assets | 62.7960% | 7,847 |
| Equity capital to assets | 9.3130% | 4,922 |
| Core capital (leverage) ratio | 9.5044% | 4,012 |
| Tier 1 risk-based capital ratio | 10.6016% | 6,098 |
| Total risk-based capital ratio | 11.8527% | 6,002 |
| Memoranda: | ||
| Average total assets | $149,473,000 | 3,909 |
| Average earning assets | $145,186,600 | 3,739 |
| Average equity | $13,286,400 | 4,501 |
| Average total loans | $139,354,400 | 3,109 |