Home > Houghton State Bank > Performance and Condition Ratios
Houghton State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3924% | 3,288 |
| Cost of funding earning assets | 0.9533% | 3,402 |
| Net interest margin | 3.4391% | 2,323 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.8003% | 4,007 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.2776% | 1,477 |
| Return on assets (ROA) | 1.2885% | 1,428 |
| Pretax return on assets | 1.6928% | 1,077 |
| Return on Equity (ROE) | 10.6100% | 2,330 |
| Retained earnings to average equity (ytd only) | 5.9369% | 2,270 |
| Net charge-offs to loans | 0.0131% | 2,161 |
| Credit loss provision to net charge-offs | 113.6364% | 1,730 |
| Earnings coverage of net charge-offs (x) | 171.5909% | 650 |
| Efficiency ratio | 51.5777% | 3,868 |
| Assets per employee ($millions) | 8.9243% | 1,012 |
| Cash dividends to net income (ytd only)* | 44.0236% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 2,573 |
| Loan loss allowance to noncurrent loans | 1,112.5000% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 3,011 |
| Noncurrent loans to loans | 0.1030% | 3,025 |
| Net loans and leases to total assets | 76.0900% | 1,106 |
| Net loans and leases to deposits | 104.0402% | 355 |
| Net loans and leases to core deposits | 112.7956% | 855 |
| Total domestic deposits to total assets | 73.1300% | 4,158 |
| Equity capital to assets | 12.2168% | 1,059 |
| Core capital (leverage) ratio | 11.4568% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7703% | 1,602 |
| Memoranda: | ||
| Average total assets | $223,353,800 | 2,826 |
| Average earning assets | $204,036,000 | 2,835 |
| Average equity | $27,135,600 | 2,404 |
| Average total loans | $167,744,200 | 2,538 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 3,369 |
| Cost of funding earning assets | 0.7652% | 3,620 |
| Net interest margin | 3.4891% | 2,236 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.8458% | 3,888 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 1.3101% | 1,529 |
| Return on assets (ROA) | 1.3177% | 1,487 |
| Pretax return on assets | 1.7324% | 1,110 |
| Return on Equity (ROE) | 10.8600% | 2,414 |
| Retained earnings to average equity (ytd only) | 7.3888% | 2,176 |
| Net charge-offs to loans | 0.0154% | 1,845 |
| Credit loss provision to net charge-offs | -236.8421% | 4,551 |
| Earnings coverage of net charge-offs (x) | 148.0526% | 733 |
| Efficiency ratio | 52.1191% | 3,749 |
| Assets per employee ($millions) | 8.0707% | 1,311 |
| Cash dividends to net income (ytd only)* | 31.9762% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,392 |
| Loan loss allowance to noncurrent loans | 1,609.7561% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 3,245 |
| Noncurrent loans to loans | 0.0742% | 3,229 |
| Net loans and leases to total assets | 75.1700% | 1,216 |
| Net loans and leases to deposits | 91.4911% | 1,095 |
| Net loans and leases to core deposits | 100.4791% | 1,294 |
| Total domestic deposits to total assets | 82.1600% | 3,183 |
| Equity capital to assets | 12.5815% | 898 |
| Core capital (leverage) ratio | 12.0233% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7023% | 1,380 |
| Memoranda: | ||
| Average total assets | $221,184,250 | 2,855 |
| Average earning assets | $202,111,250 | 2,861 |
| Average equity | $26,832,750 | 2,405 |
| Average total loans | $165,030,750 | 2,567 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1351% | 3,420 |
| Cost of funding earning assets | 0.6197% | 3,706 |
| Net interest margin | 3.5154% | 2,227 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.8203% | 3,959 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 1.3429% | 1,467 |
| Return on assets (ROA) | 1.3515% | 1,436 |
| Pretax return on assets | 1.7780% | 1,055 |
| Return on Equity (ROE) | 11.2800% | 2,352 |
| Retained earnings to average equity (ytd only) | 6.0289% | 2,611 |
| Net charge-offs to loans | 0.0218% | 1,447 |
| Credit loss provision to net charge-offs | -166.6667% | 4,555 |
| Earnings coverage of net charge-offs (x) | 107.4444% | 897 |
| Efficiency ratio | 51.1246% | 3,843 |
| Assets per employee ($millions) | 7.4367% | 1,634 |
| Cash dividends to net income (ytd only)* | 46.5379% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 2,277 |
| Loan loss allowance to noncurrent loans | 3,272.1311% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 3,503 |
| Noncurrent loans to loans | 0.0376% | 3,462 |
| Net loans and leases to total assets | 74.2200% | 1,259 |
| Net loans and leases to deposits | 88.0550% | 1,342 |
| Net loans and leases to core deposits | 97.6119% | 1,373 |
| Total domestic deposits to total assets | 84.2900% | 2,753 |
| Equity capital to assets | 12.5117% | 922 |
| Core capital (leverage) ratio | 11.6446% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7062% | 1,380 |
| Memoranda: | ||
| Average total assets | $222,276,333 | 2,853 |
| Average earning assets | $202,994,667 | 2,871 |
| Average equity | $26,638,333 | 2,430 |
| Average total loans | $164,780,000 | 2,561 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9882% | 3,479 |
| Cost of funding earning assets | 0.5107% | 3,652 |
| Net interest margin | 3.4776% | 2,428 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.7820% | 4,061 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3151% | 1,636 |
| Return on assets (ROA) | 1.3263% | 1,570 |
| Pretax return on assets | 1.7484% | 1,177 |
| Return on Equity (ROE) | 11.3100% | 2,401 |
| Retained earnings to average equity (ytd only) | 0.7406% | 3,902 |
| Net charge-offs to loans | 0.0048% | 1,791 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 489.0000% | 232 |
| Efficiency ratio | 50.6808% | 3,880 |
| Assets per employee ($millions) | 7.8896% | 1,408 |
| Cash dividends to net income (ytd only)* | 93.4492% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,200 |
| Loan loss allowance to noncurrent loans | 1,438.0282% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,153 |
| Noncurrent loans to loans | 0.0881% | 3,111 |
| Net loans and leases to total assets | 72.0400% | 1,424 |
| Net loans and leases to deposits | 82.1258% | 1,647 |
| Net loans and leases to core deposits | 89.6216% | 1,637 |
| Total domestic deposits to total assets | 87.7200% | 2,019 |
| Equity capital to assets | 12.0597% | 979 |
| Core capital (leverage) ratio | 11.0541% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3581% | 1,531 |
| Memoranda: | ||
| Average total assets | $225,583,000 | 2,873 |
| Average earning assets | $206,007,000 | 2,891 |
| Average equity | $26,466,000 | 2,464 |
| Average total loans | $166,141,000 | 2,577 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5063% | 3,058 |
| Cost of funding earning assets | 0.1685% | 4,011 |
| Net interest margin | 3.3378% | 2,461 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.7819% | 4,049 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.1839% | 1,843 |
| Return on assets (ROA) | 1.1776% | 1,800 |
| Pretax return on assets | 1.5440% | 1,310 |
| Return on Equity (ROE) | 9.9800% | 2,813 |
| Retained earnings to average equity (ytd only) | 5.7797% | 2,725 |
| Net charge-offs to loans | 0.0186% | 1,723 |
| Credit loss provision to net charge-offs | 333.3333% | 860 |
| Earnings coverage of net charge-offs (x) | 120.1000% | 885 |
| Efficiency ratio | 52.7475% | 3,915 |
| Assets per employee ($millions) | 8.5280% | 1,077 |
| Cash dividends to net income (ytd only)* | 42.0617% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 2,414 |
| Loan loss allowance to noncurrent loans | 2,003.9216% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 3,366 |
| Noncurrent loans to loans | 0.0596% | 3,326 |
| Net loans and leases to total assets | 73.4200% | 1,270 |
| Net loans and leases to deposits | 90.4066% | 1,025 |
| Net loans and leases to core deposits | 97.2922% | 1,137 |
| Total domestic deposits to total assets | 81.2100% | 3,729 |
| Equity capital to assets | 11.4181% | 1,108 |
| Core capital (leverage) ratio | 10.8324% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4472% | 1,796 |
| Memoranda: | ||
| Average total assets | $225,718,400 | 2,871 |
| Average earning assets | $205,343,400 | 2,889 |
| Average equity | $26,645,000 | 2,500 |
| Average total loans | $160,974,400 | 2,531 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3618% | 3,008 |
| Cost of funding earning assets | 0.0940% | 4,329 |
| Net interest margin | 3.2678% | 2,398 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.7573% | 4,060 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1868% | 1,749 |
| Return on assets (ROA) | 1.1802% | 1,742 |
| Pretax return on assets | 1.5483% | 1,274 |
| Return on Equity (ROE) | 9.9100% | 2,757 |
| Retained earnings to average equity (ytd only) | 7.3863% | 2,238 |
| Net charge-offs to loans | 0.0244% | 1,342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 90.4138% | 992 |
| Efficiency ratio | 53.0276% | 3,913 |
| Assets per employee ($millions) | 8.0451% | 1,300 |
| Cash dividends to net income (ytd only)* | 25.5030% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,532 |
| Loan loss allowance to noncurrent loans | 652.6846% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 2,686 |
| Noncurrent loans to loans | 0.1837% | 2,664 |
| Net loans and leases to total assets | 71.1300% | 1,383 |
| Net loans and leases to deposits | 82.1540% | 1,434 |
| Net loans and leases to core deposits | 85.5645% | 1,552 |
| Total domestic deposits to total assets | 86.5800% | 2,894 |
| Equity capital to assets | 11.6473% | 956 |
| Core capital (leverage) ratio | 10.8745% | 1,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1158% | 1,667 |
| Memoranda: | ||
| Average total assets | $224,583,750 | 2,892 |
| Average earning assets | $204,329,250 | 2,920 |
| Average equity | $26,733,500 | 2,530 |
| Average total loans | $158,443,250 | 2,559 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2344% | 2,943 |
| Cost of funding earning assets | 0.0931% | 4,261 |
| Net interest margin | 3.1413% | 2,397 |
| Noninterest income to average assets | 0.3298% | 3,188 |
| Noninterest expense to average assets | 1.7133% | 4,125 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1220% | 1,693 |
| Return on assets (ROA) | 1.1143% | 1,698 |
| Pretax return on assets | 1.4646% | 1,270 |
| Return on Equity (ROE) | 9.2940% | 2,599 |
| Retained earnings to average equity (ytd only) | 5.5318% | 2,498 |
| Net charge-offs to loans | 0.0331% | 1,072 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 63.6154% | 1,055 |
| Efficiency ratio | 53.7472% | 3,987 |
| Assets per employee ($millions) | 7.8385% | 1,387 |
| Cash dividends to net income (ytd only)* | 40.4800% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,371 |
| Loan loss allowance to noncurrent loans | 752.1236% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 2,905 |
| Noncurrent loans to loans | 0.1678% | 2,854 |
| Net loans and leases to total assets | 67.0522% | 1,575 |
| Net loans and leases to deposits | 76.0057% | 1,684 |
| Net loans and leases to core deposits | 78.8949% | 1,783 |
| Total domestic deposits to total assets | 88.2200% | 2,492 |
| Equity capital to assets | 11.6190% | 991 |
| Core capital (leverage) ratio | 10.2915% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4812% | 1,578 |
| Memoranda: | ||
| Average total assets | $224,357,667 | 2,916 |
| Average earning assets | $204,116,333 | 2,962 |
| Average equity | $26,899,000 | 2,590 |
| Average total loans | $157,198,000 | 2,576 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1208% | 2,912 |
| Cost of funding earning assets | 0.0931% | 4,225 |
| Net interest margin | 3.0277% | 2,412 |
| Noninterest income to average assets | 0.3141% | 3,216 |
| Noninterest expense to average assets | 1.6924% | 4,142 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0376% | 1,735 |
| Return on assets (ROA) | 1.0320% | 1,741 |
| Pretax return on assets | 1.3586% | 1,362 |
| Return on Equity (ROE) | 8.4738% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.4738% | 1,433 |
| Net charge-offs to loans | 0.0126% | 1,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 152.2000% | 531 |
| Efficiency ratio | 55.3404% | 3,933 |
| Assets per employee ($millions) | 7.7671% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,601 |
| Loan loss allowance to noncurrent loans | 609.5975% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 2,818 |
| Noncurrent loans to loans | 0.2051% | 2,795 |
| Net loans and leases to total assets | 66.7315% | 1,338 |
| Net loans and leases to deposits | 75.5631% | 1,485 |
| Net loans and leases to core deposits | 78.3581% | 1,586 |
| Total domestic deposits to total assets | 88.3122% | 2,385 |
| Equity capital to assets | 11.5474% | 1,110 |
| Core capital (leverage) ratio | 10.4517% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1518% | 1,748 |
| Memoranda: | ||
| Average total assets | $222,878,000 | 2,941 |
| Average earning assets | $202,001,000 | 2,998 |
| Average equity | $27,142,500 | 2,649 |
| Average total loans | $158,612,500 | 2,562 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 1,421 |
| Cost of funding earning assets | 0.1361% | 4,107 |
| Net interest margin | 3.8383% | 940 |
| Noninterest income to average assets | 0.3890% | 3,108 |
| Noninterest expense to average assets | 1.9180% | 3,884 |
| Loan and lease loss provision to assets | 0.0955% | 1,309 |
| Net operating income to assets | 1.3274% | 1,527 |
| Return on assets (ROA) | 1.3376% | 1,523 |
| Pretax return on assets | 1.7681% | 981 |
| Return on Equity (ROE) | 10.4065% | 2,382 |
| Retained earnings to average equity (ytd only) | 7.1940% | 1,846 |
| Net charge-offs to loans | 0.0038% | 2,476 |
| Credit loss provision to net charge-offs | 3,333.3333% | 199 |
| Earnings coverage of net charge-offs (x) | 646.1667% | 225 |
| Efficiency ratio | 50.8930% | 4,213 |
| Assets per employee ($millions) | 7.3340% | 1,701 |
| Cash dividends to net income (ytd only)* | 30.8708% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 2,704 |
| Loan loss allowance to noncurrent loans | 655.8140% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 2,945 |
| Noncurrent loans to loans | 0.1884% | 3,005 |
| Net loans and leases to total assets | 74.1884% | 650 |
| Net loans and leases to deposits | 85.3070% | 838 |
| Net loans and leases to core deposits | 88.7088% | 1,035 |
| Total domestic deposits to total assets | 86.9663% | 2,534 |
| Equity capital to assets | 12.8724% | 938 |
| Core capital (leverage) ratio | 10.7595% | 1,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9104% | 1,886 |
| Memoranda: | ||
| Average total assets | $209,485,600 | 2,989 |
| Average earning assets | $184,457,000 | 3,069 |
| Average equity | $26,925,400 | 2,727 |
| Average total loans | $157,214,800 | 2,573 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1440% | 1,207 |
| Cost of funding earning assets | 0.1467% | 4,139 |
| Net interest margin | 3.9972% | 802 |
| Noninterest income to average assets | 0.4108% | 3,032 |
| Noninterest expense to average assets | 1.9857% | 3,725 |
| Loan and lease loss provision to assets | 0.0407% | 2,184 |
| Net operating income to assets | 1.4355% | 1,424 |
| Return on assets (ROA) | 1.4446% | 1,472 |
| Pretax return on assets | 1.9116% | 927 |
| Return on Equity (ROE) | 11.2433% | 2,295 |
| Retained earnings to average equity (ytd only) | 9.4631% | 1,508 |
| Net charge-offs to loans | 0.0026% | 2,271 |
| Credit loss provision to net charge-offs | 2,133.3333% | 313 |
| Earnings coverage of net charge-offs (x) | 1,012.6667% | 164 |
| Efficiency ratio | 50.5695% | 4,169 |
| Assets per employee ($millions) | 6.9849% | 1,881 |
| Cash dividends to net income (ytd only)* | 15.8337% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 3,012 |
| Loan loss allowance to noncurrent loans | 615.7191% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 3,158 |
| Noncurrent loans to loans | 0.1942% | 3,170 |
| Net loans and leases to total assets | 72.6117% | 815 |
| Net loans and leases to deposits | 83.8689% | 969 |
| Net loans and leases to core deposits | 87.5304% | 1,184 |
| Total domestic deposits to total assets | 86.5776% | 2,517 |
| Equity capital to assets | 13.1704% | 936 |
| Core capital (leverage) ratio | 11.0865% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2565% | 1,880 |
| Memoranda: | ||
| Average total assets | $208,685,250 | 3,028 |
| Average earning assets | $183,555,000 | 3,110 |
| Average equity | $26,812,250 | 2,770 |
| Average total loans | $156,577,750 | 2,618 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2799% | 1,038 |
| Cost of funding earning assets | 0.1636% | 4,100 |
| Net interest margin | 4.1163% | 672 |
| Noninterest income to average assets | 0.3954% | 3,129 |
| Noninterest expense to average assets | 2.0039% | 3,687 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5213% | 1,241 |
| Return on assets (ROA) | 1.5326% | 1,272 |
| Pretax return on assets | 2.0288% | 795 |
| Return on Equity (ROE) | 12.0300% | 2,048 |
| Retained earnings to average equity (ytd only) | 12.0300% | 909 |
| Net charge-offs to loans | 0.0025% | 2,109 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,049.5000% | 119 |
| Efficiency ratio | 49.8686% | 4,247 |
| Assets per employee ($millions) | 6.9722% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,950 |
| Loan loss allowance to noncurrent loans | 921.2435% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 3,588 |
| Noncurrent loans to loans | 0.1300% | 3,539 |
| Net loans and leases to total assets | 70.1444% | 1,180 |
| Net loans and leases to deposits | 80.9082% | 1,338 |
| Net loans and leases to core deposits | 84.4674% | 1,527 |
| Total domestic deposits to total assets | 86.6963% | 2,475 |
| Equity capital to assets | 13.0728% | 925 |
| Core capital (leverage) ratio | 10.5800% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6580% | 1,736 |
| Memoranda: | ||
| Average total assets | $208,398,333 | 3,026 |
| Average earning assets | $183,417,333 | 3,115 |
| Average equity | $26,550,333 | 2,779 |
| Average total loans | $157,438,333 | 2,617 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6202% | 2,581 |
| Cost of funding earning assets | 0.1764% | 4,107 |
| Net interest margin | 3.4438% | 1,983 |
| Noninterest income to average assets | 0.5538% | 2,394 |
| Noninterest expense to average assets | 1.9499% | 3,858 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2736% | 1,911 |
| Return on assets (ROA) | 1.2903% | 1,929 |
| Pretax return on assets | 1.7037% | 1,478 |
| Return on Equity (ROE) | 10.2625% | 2,602 |
| Retained earnings to average equity (ytd only) | 10.2625% | 1,582 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6792% | 3,823 |
| Assets per employee ($millions) | 7.2055% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 3,415 |
| Loan loss allowance to noncurrent loans | 868.2927% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 3,717 |
| Noncurrent loans to loans | 0.1270% | 3,673 |
| Net loans and leases to total assets | 73.8238% | 832 |
| Net loans and leases to deposits | 84.3403% | 1,110 |
| Net loans and leases to core deposits | 88.0103% | 1,368 |
| Total domestic deposits to total assets | 87.5309% | 2,075 |
| Equity capital to assets | 12.2360% | 1,181 |
| Core capital (leverage) ratio | 10.4843% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5932% | 2,450 |
| Memoranda: | ||
| Average total assets | $208,014,000 | 3,019 |
| Average earning assets | $185,957,500 | 3,088 |
| Average equity | $26,153,500 | 2,790 |
| Average total loans | $161,909,000 | 2,576 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3700% | 1,668 |
| Cost of funding earning assets | 0.3239% | 4,009 |
| Net interest margin | 4.0461% | 885 |
| Noninterest income to average assets | 0.2471% | 4,009 |
| Noninterest expense to average assets | 2.1585% | 3,790 |
| Loan and lease loss provision to assets | 0.0774% | 3,409 |
| Net operating income to assets | 1.3371% | 1,156 |
| Return on assets (ROA) | 1.3346% | 1,254 |
| Pretax return on assets | 1.7610% | 745 |
| Return on Equity (ROE) | 9.9680% | 2,015 |
| Retained earnings to average equity (ytd only) | 3.9138% | 2,864 |
| Net charge-offs to loans | -0.0020% | 3,987 |
| Credit loss provision to net charge-offs | -4,833.3333% | 4,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9621% | 4,214 |
| Assets per employee ($millions) | 6.6621% | 1,805 |
| Cash dividends to net income (ytd only)* | 60.7357% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 3,481 |
| Loan loss allowance to noncurrent loans | 585.5263% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 2,833 |
| Noncurrent loans to loans | 0.1871% | 3,542 |
| Net loans and leases to total assets | 80.3935% | 399 |
| Net loans and leases to deposits | 95.5978% | 574 |
| Net loans and leases to core deposits | 101.2598% | 847 |
| Total domestic deposits to total assets | 84.0955% | 3,088 |
| Equity capital to assets | 12.9374% | 1,117 |
| Core capital (leverage) ratio | 10.7010% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5093% | 2,442 |
| Memoranda: | ||
| Average total assets | $187,396,400 | 3,045 |
| Average earning assets | $173,819,600 | 3,037 |
| Average equity | $25,090,400 | 2,800 |
| Average total loans | $146,821,800 | 2,690 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 2,149 |
| Cost of funding earning assets | 0.3612% | 3,998 |
| Net interest margin | 3.9227% | 1,296 |
| Noninterest income to average assets | 0.2525% | 3,963 |
| Noninterest expense to average assets | 2.1966% | 3,687 |
| Loan and lease loss provision to assets | 0.0179% | 4,109 |
| Net operating income to assets | 1.2098% | 1,612 |
| Return on assets (ROA) | 1.2047% | 1,748 |
| Pretax return on assets | 1.6692% | 1,032 |
| Return on Equity (ROE) | 8.9159% | 2,429 |
| Retained earnings to average equity (ytd only) | 0.7818% | 4,315 |
| Net charge-offs to loans | -0.0009% | 3,810 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4627% | 3,866 |
| Assets per employee ($millions) | 6.4690% | 1,860 |
| Cash dividends to net income (ytd only)* | 91.2312% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 3,351 |
| Loan loss allowance to noncurrent loans | 412.4378% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 2,743 |
| Noncurrent loans to loans | 0.2600% | 3,369 |
| Net loans and leases to total assets | 78.8076% | 742 |
| Net loans and leases to deposits | 91.0369% | 1,155 |
| Net loans and leases to core deposits | 96.6379% | 1,406 |
| Total domestic deposits to total assets | 86.5667% | 1,831 |
| Equity capital to assets | 12.9438% | 1,208 |
| Core capital (leverage) ratio | 10.5375% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5235% | 2,406 |
| Memoranda: | ||
| Average total assets | $184,280,000 | 3,057 |
| Average earning assets | $170,897,500 | 3,053 |
| Average equity | $24,898,750 | 2,798 |
| Average total loans | $142,913,250 | 2,727 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 2,218 |
| Cost of funding earning assets | 0.4212% | 3,942 |
| Net interest margin | 3.9771% | 1,383 |
| Noninterest income to average assets | 0.2574% | 3,933 |
| Noninterest expense to average assets | 2.2595% | 3,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1669% | 1,736 |
| Return on assets (ROA) | 1.1590% | 1,895 |
| Pretax return on assets | 1.6706% | 1,054 |
| Return on Equity (ROE) | 8.4512% | 2,580 |
| Retained earnings to average equity (ytd only) | -3.7865% | 4,713 |
| Net charge-offs to loans | -0.0144% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3472% | 3,771 |
| Assets per employee ($millions) | 5.9485% | 2,229 |
| Cash dividends to net income (ytd only)* | 144.8046% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 3,106 |
| Loan loss allowance to noncurrent loans | 675.7202% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 3,228 |
| Noncurrent loans to loans | 0.1616% | 3,805 |
| Net loans and leases to total assets | 78.1125% | 832 |
| Net loans and leases to deposits | 90.5155% | 1,307 |
| Net loans and leases to core deposits | 96.4273% | 1,545 |
| Total domestic deposits to total assets | 86.2974% | 1,890 |
| Equity capital to assets | 12.8836% | 1,216 |
| Core capital (leverage) ratio | 10.2623% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5650% | 2,371 |
| Memoranda: | ||
| Average total assets | $181,016,667 | 3,065 |
| Average earning assets | $167,611,333 | 3,068 |
| Average equity | $24,825,000 | 2,791 |
| Average total loans | $139,017,667 | 2,757 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5234% | 2,248 |
| Cost of funding earning assets | 0.5265% | 3,816 |
| Net interest margin | 3.9968% | 1,401 |
| Noninterest income to average assets | 0.2427% | 4,107 |
| Noninterest expense to average assets | 2.2909% | 3,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2567% | 1,362 |
| Return on assets (ROA) | 1.2316% | 1,527 |
| Pretax return on assets | 1.6218% | 1,006 |
| Return on Equity (ROE) | 8.6965% | 2,239 |
| Retained earnings to average equity (ytd only) | 8.6965% | 1,052 |
| Net charge-offs to loans | -0.0300% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0794% | 3,988 |
| Assets per employee ($millions) | 4.5766% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 2,489 |
| Loan loss allowance to noncurrent loans | 506.7901% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 3,054 |
| Noncurrent loans to loans | 0.2435% | 3,609 |
| Net loans and leases to total assets | 75.5691% | 1,372 |
| Net loans and leases to deposits | 88.9797% | 1,645 |
| Net loans and leases to core deposits | 97.5397% | 1,678 |
| Total domestic deposits to total assets | 84.9285% | 2,438 |
| Equity capital to assets | 14.5218% | 891 |
| Core capital (leverage) ratio | 11.8464% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1833% | 1,557 |
| Memoranda: | ||
| Average total assets | $176,349,500 | 3,070 |
| Average earning assets | $163,329,000 | 3,078 |
| Average equity | $24,975,500 | 2,776 |
| Average total loans | $133,361,500 | 2,803 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4771% | 3,023 |
| Cost of funding earning assets | 0.5578% | 3,836 |
| Net interest margin | 3.9193% | 2,106 |
| Noninterest income to average assets | 0.3754% | 3,452 |
| Noninterest expense to average assets | 2.2617% | 4,041 |
| Loan and lease loss provision to assets | 0.0736% | 2,523 |
| Net operating income to assets | 1.2687% | 1,808 |
| Return on assets (ROA) | 1.2727% | 1,874 |
| Pretax return on assets | 1.6812% | 1,244 |
| Return on Equity (ROE) | 9.4381% | 2,550 |
| Retained earnings to average equity (ytd only) | 6.4171% | 1,654 |
| Net charge-offs to loans | 0.0214% | 2,986 |
| Credit loss provision to net charge-offs | 467.8571% | 621 |
| Earnings coverage of net charge-offs (x) | 111.2143% | 623 |
| Efficiency ratio | 56.3804% | 4,160 |
| Assets per employee ($millions) | 5.1082% | 2,444 |
| Cash dividends to net income (ytd only)* | 32.0088% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,316 |
| Loan loss allowance to noncurrent loans | 780.8612% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 3,340 |
| Noncurrent loans to loans | 0.1564% | 3,901 |
| Net loans and leases to total assets | 73.8450% | 1,781 |
| Net loans and leases to deposits | 87.3529% | 1,931 |
| Net loans and leases to core deposits | 95.9798% | 1,902 |
| Total domestic deposits to total assets | 84.5364% | 2,667 |
| Equity capital to assets | 13.8130% | 1,164 |
| Core capital (leverage) ratio | 10.9757% | 2,520 |
| Tier 1 risk-based capital ratio | 14.4389% | 3,052 |
| Total risk-based capital ratio | 15.6485% | 2,979 |
| Memoranda: | ||
| Average total assets | $177,966,800 | 3,040 |
| Average earning assets | $165,107,800 | 3,039 |
| Average equity | $23,998,400 | 2,795 |
| Average total loans | $130,558,200 | 2,816 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4820% | 3,118 |
| Cost of funding earning assets | 0.5455% | 3,957 |
| Net interest margin | 3.9365% | 2,144 |
| Noninterest income to average assets | 0.3728% | 3,481 |
| Noninterest expense to average assets | 2.2584% | 4,055 |
| Loan and lease loss provision to assets | 0.0893% | 2,115 |
| Net operating income to assets | 1.2720% | 1,943 |
| Return on assets (ROA) | 1.2773% | 2,007 |
| Pretax return on assets | 1.6854% | 1,381 |
| Return on Equity (ROE) | 9.5308% | 2,658 |
| Retained earnings to average equity (ytd only) | 7.5720% | 1,591 |
| Net charge-offs to loans | 0.0236% | 2,629 |
| Credit loss provision to net charge-offs | 517.3913% | 606 |
| Earnings coverage of net charge-offs (x) | 102.4646% | 738 |
| Efficiency ratio | 56.0917% | 4,163 |
| Assets per employee ($millions) | 4.8895% | 2,675 |
| Cash dividends to net income (ytd only)* | 20.5522% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,199 |
| Loan loss allowance to noncurrent loans | 465.6160% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 3,081 |
| Noncurrent loans to loans | 0.2699% | 3,573 |
| Net loans and leases to total assets | 72.5405% | 2,076 |
| Net loans and leases to deposits | 84.5689% | 2,372 |
| Net loans and leases to core deposits | 93.0732% | 2,259 |
| Total domestic deposits to total assets | 85.7769% | 2,094 |
| Equity capital to assets | 13.9772% | 1,166 |
| Core capital (leverage) ratio | 11.3379% | 2,350 |
| Tier 1 risk-based capital ratio | 14.5875% | 3,030 |
| Total risk-based capital ratio | 15.8160% | 2,970 |
| Memoranda: | ||
| Average total assets | $177,761,500 | 3,069 |
| Average earning assets | $164,982,500 | 3,068 |
| Average equity | $23,824,000 | 2,821 |
| Average total loans | $129,783,250 | 2,860 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 3,221 |
| Cost of funding earning assets | 0.5069% | 4,090 |
| Net interest margin | 3.9309% | 2,151 |
| Noninterest income to average assets | 0.3701% | 3,466 |
| Noninterest expense to average assets | 2.2238% | 4,183 |
| Loan and lease loss provision to assets | 0.1054% | 1,775 |
| Net operating income to assets | 1.2850% | 1,831 |
| Return on assets (ROA) | 1.2885% | 1,881 |
| Pretax return on assets | 1.6979% | 1,270 |
| Return on Equity (ROE) | 9.7520% | 2,505 |
| Retained earnings to average equity (ytd only) | 9.7520% | 827 |
| Net charge-offs to loans | 0.0046% | 3,000 |
| Credit loss provision to net charge-offs | 3,133.3333% | 115 |
| Earnings coverage of net charge-offs (x) | 534.6667% | 140 |
| Efficiency ratio | 55.2830% | 4,342 |
| Assets per employee ($millions) | 4.8526% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,272 |
| Loan loss allowance to noncurrent loans | 964.2857% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 3,551 |
| Noncurrent loans to loans | 0.1293% | 4,097 |
| Net loans and leases to total assets | 73.4218% | 1,982 |
| Net loans and leases to deposits | 87.5592% | 2,055 |
| Net loans and leases to core deposits | 95.0652% | 2,147 |
| Total domestic deposits to total assets | 83.8539% | 2,928 |
| Equity capital to assets | 13.9234% | 1,145 |
| Core capital (leverage) ratio | 11.0967% | 2,504 |
| Tier 1 risk-based capital ratio | 14.4793% | 3,076 |
| Total risk-based capital ratio | 15.7080% | 3,007 |
| Memoranda: | ||
| Average total assets | $178,341,000 | 3,074 |
| Average earning assets | $165,714,670 | 3,077 |
| Average equity | $23,564,330 | 2,838 |
| Average total loans | $129,940,000 | 2,869 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 3,494 |
| Cost of funding earning assets | 0.4498% | 4,285 |
| Net interest margin | 3.8712% | 2,279 |
| Noninterest income to average assets | 0.3397% | 3,589 |
| Noninterest expense to average assets | 2.1891% | 4,280 |
| Loan and lease loss provision to assets | 0.0844% | 2,011 |
| Net operating income to assets | 1.2594% | 1,847 |
| Return on assets (ROA) | 1.2699% | 1,861 |
| Pretax return on assets | 1.6718% | 1,283 |
| Return on Equity (ROE) | 9.8684% | 2,423 |
| Retained earnings to average equity (ytd only) | 9.8684% | 1,066 |
| Net charge-offs to loans | 0.0092% | 2,363 |
| Credit loss provision to net charge-offs | 1,266.6667% | 305 |
| Earnings coverage of net charge-offs (x) | 261.6667% | 305 |
| Efficiency ratio | 55.6748% | 4,374 |
| Assets per employee ($millions) | 4.3819% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,619 |
| Loan loss allowance to noncurrent loans | 2,696.5517% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 3,885 |
| Noncurrent loans to loans | 0.0442% | 4,564 |
| Net loans and leases to total assets | 72.1351% | 2,132 |
| Net loans and leases to deposits | 85.7609% | 2,154 |
| Net loans and leases to core deposits | 92.8278% | 2,228 |
| Total domestic deposits to total assets | 84.1119% | 3,011 |
| Equity capital to assets | 13.1140% | 1,388 |
| Core capital (leverage) ratio | 10.7007% | 2,848 |
| Tier 1 risk-based capital ratio | 14.0551% | 3,315 |
| Total risk-based capital ratio | 15.2425% | 3,257 |
| Memoranda: | ||
| Average total assets | $180,165,500 | 3,087 |
| Average earning assets | $167,184,000 | 3,089 |
| Average equity | $23,185,000 | 2,870 |
| Average total loans | $129,969,000 | 2,904 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9178% | 4,237 |
| Cost of funding earning assets | 0.3441% | 4,320 |
| Net interest margin | 3.5737% | 3,471 |
| Noninterest income to average assets | 0.3855% | 3,525 |
| Noninterest expense to average assets | 2.2082% | 4,316 |
| Loan and lease loss provision to assets | 0.1017% | 2,159 |
| Net operating income to assets | 1.0549% | 2,780 |
| Return on assets (ROA) | 1.0510% | 2,789 |
| Pretax return on assets | 1.3782% | 2,213 |
| Return on Equity (ROE) | 8.6456% | 3,162 |
| Retained earnings to average equity (ytd only) | 6.6278% | 1,848 |
| Net charge-offs to loans | 0.0665% | 2,164 |
| Credit loss provision to net charge-offs | 228.3951% | 1,290 |
| Earnings coverage of net charge-offs (x) | 33.3333% | 1,496 |
| Efficiency ratio | 59.7915% | 3,895 |
| Assets per employee ($millions) | 5.1621% | 2,314 |
| Cash dividends to net income (ytd only)* | 23.3386% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 2,637 |
| Loan loss allowance to noncurrent loans | 4,247.2222% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 3,889 |
| Noncurrent loans to loans | 0.0280% | 4,643 |
| Net loans and leases to total assets | 70.4303% | 2,506 |
| Net loans and leases to deposits | 81.8828% | 2,749 |
| Net loans and leases to core deposits | 87.2358% | 2,816 |
| Total domestic deposits to total assets | 86.0136% | 2,224 |
| Equity capital to assets | 12.6249% | 1,526 |
| Core capital (leverage) ratio | 10.3303% | 3,222 |
| Tier 1 risk-based capital ratio | 13.7657% | 3,410 |
| Total risk-based capital ratio | 14.9389% | 3,366 |
| Memoranda: | ||
| Average total assets | $181,825,800 | 3,037 |
| Average earning assets | $168,284,000 | 3,044 |
| Average equity | $22,103,800 | 2,890 |
| Average total loans | $121,768,800 | 2,972 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8290% | 4,375 |
| Cost of funding earning assets | 0.3321% | 4,295 |
| Net interest margin | 3.4970% | 3,709 |
| Noninterest income to average assets | 0.3756% | 3,630 |
| Noninterest expense to average assets | 2.2052% | 4,313 |
| Loan and lease loss provision to assets | 0.0988% | 2,017 |
| Net operating income to assets | 0.9999% | 3,082 |
| Return on assets (ROA) | 0.9993% | 3,100 |
| Pretax return on assets | 1.3090% | 2,589 |
| Return on Equity (ROE) | 8.2999% | 3,417 |
| Retained earnings to average equity (ytd only) | 8.2999% | 1,515 |
| Net charge-offs to loans | 0.0644% | 1,911 |
| Credit loss provision to net charge-offs | 232.7586% | 1,240 |
| Earnings coverage of net charge-offs (x) | 33.1730% | 1,523 |
| Efficiency ratio | 61.0211% | 3,658 |
| Assets per employee ($millions) | 4.7798% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 2,403 |
| Loan loss allowance to noncurrent loans | 2,635.0877% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 3,973 |
| Noncurrent loans to loans | 0.0471% | 4,687 |
| Net loans and leases to total assets | 65.8190% | 3,199 |
| Net loans and leases to deposits | 75.3340% | 3,474 |
| Net loans and leases to core deposits | 79.7706% | 3,513 |
| Total domestic deposits to total assets | 87.3696% | 1,561 |
| Equity capital to assets | 12.4091% | 1,645 |
| Core capital (leverage) ratio | 10.3578% | 3,226 |
| Tier 1 risk-based capital ratio | 14.3227% | 3,203 |
| Total risk-based capital ratio | 15.5309% | 3,141 |
| Memoranda: | ||
| Average total assets | $182,113,500 | 3,058 |
| Average earning assets | $168,637,250 | 3,062 |
| Average equity | $21,927,250 | 2,920 |
| Average total loans | $120,016,250 | 3,019 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 4,433 |
| Cost of funding earning assets | 0.3305% | 4,203 |
| Net interest margin | 3.4361% | 3,844 |
| Noninterest income to average assets | 0.3742% | 3,655 |
| Noninterest expense to average assets | 2.1835% | 4,403 |
| Loan and lease loss provision to assets | 0.0988% | 1,962 |
| Net operating income to assets | 0.9711% | 3,139 |
| Return on assets (ROA) | 0.9711% | 3,142 |
| Pretax return on assets | 1.2750% | 2,613 |
| Return on Equity (ROE) | 8.1479% | 3,437 |
| Retained earnings to average equity (ytd only) | 8.1479% | 1,560 |
| Net charge-offs to loans | 0.0301% | 2,260 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 69.5556% | 915 |
| Efficiency ratio | 61.3819% | 3,717 |
| Assets per employee ($millions) | 4.5442% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,449 |
| Loan loss allowance to noncurrent loans | 733.3333% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 3,644 |
| Noncurrent loans to loans | 0.1700% | 4,146 |
| Net loans and leases to total assets | 66.8653% | 3,032 |
| Net loans and leases to deposits | 76.5662% | 3,283 |
| Net loans and leases to core deposits | 81.0434% | 3,317 |
| Total domestic deposits to total assets | 87.3300% | 1,711 |
| Equity capital to assets | 12.4917% | 1,539 |
| Core capital (leverage) ratio | 9.9034% | 3,676 |
| Tier 1 risk-based capital ratio | 14.2909% | 3,210 |
| Total risk-based capital ratio | 15.5240% | 3,141 |
| Memoranda: | ||
| Average total assets | $182,273,670 | 3,073 |
| Average earning assets | $168,856,330 | 3,077 |
| Average equity | $21,723,330 | 2,947 |
| Average total loans | $119,671,330 | 3,040 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6577% | 4,577 |
| Cost of funding earning assets | 0.3387% | 4,074 |
| Net interest margin | 3.3190% | 4,136 |
| Noninterest income to average assets | 0.3571% | 3,757 |
| Noninterest expense to average assets | 2.1775% | 4,468 |
| Loan and lease loss provision to assets | 0.0974% | 1,890 |
| Net operating income to assets | 0.8853% | 3,354 |
| Return on assets (ROA) | 0.8853% | 3,367 |
| Pretax return on assets | 1.1580% | 2,945 |
| Return on Equity (ROE) | 7.6036% | 3,537 |
| Retained earnings to average equity (ytd only) | 7.6036% | 1,989 |
| Net charge-offs to loans | 0.0033% | 2,618 |
| Credit loss provision to net charge-offs | 4,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 580.0000% | 107 |
| Efficiency ratio | 63.4300% | 3,573 |
| Assets per employee ($millions) | 4.8447% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,648 |
| Loan loss allowance to noncurrent loans | 486.4238% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 3,562 |
| Noncurrent loans to loans | 0.2522% | 3,857 |
| Net loans and leases to total assets | 62.5921% | 3,476 |
| Net loans and leases to deposits | 70.8583% | 3,716 |
| Net loans and leases to core deposits | 81.9315% | 3,146 |
| Total domestic deposits to total assets | 88.3341% | 1,442 |
| Equity capital to assets | 11.4743% | 2,154 |
| Core capital (leverage) ratio | 9.3696% | 4,224 |
| Tier 1 risk-based capital ratio | 13.7353% | 3,528 |
| Total risk-based capital ratio | 14.9319% | 3,462 |
| Memoranda: | ||
| Average total assets | $184,799,500 | 3,083 |
| Average earning assets | $171,254,500 | 3,081 |
| Average equity | $21,516,000 | 2,997 |
| Average total loans | $119,509,000 | 3,073 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5544% | 4,686 |
| Cost of funding earning assets | 0.2103% | 4,864 |
| Net interest margin | 3.3440% | 4,026 |
| Noninterest income to average assets | 0.4057% | 3,602 |
| Noninterest expense to average assets | 2.0789% | 4,811 |
| Loan and lease loss provision to assets | 0.0614% | 3,003 |
| Net operating income to assets | 0.7785% | 3,256 |
| Return on assets (ROA) | 0.7778% | 3,300 |
| Pretax return on assets | 1.3603% | 2,125 |
| Return on Equity (ROE) | 6.3428% | 3,606 |
| Retained earnings to average equity (ytd only) | 3.6204% | 3,090 |
| Net charge-offs to loans | 0.0359% | 3,072 |
| Credit loss provision to net charge-offs | 265.0000% | 1,061 |
| Earnings coverage of net charge-offs (x) | 61.3750% | 942 |
| Efficiency ratio | 59.3678% | 4,356 |
| Assets per employee ($millions) | 4.6322% | 2,976 |
| Cash dividends to net income (ytd only)* | 42.9210% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,822 |
| Loan loss allowance to noncurrent loans | 496.1672% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 3,585 |
| Noncurrent loans to loans | 0.2406% | 3,941 |
| Net loans and leases to total assets | 65.2409% | 3,196 |
| Net loans and leases to deposits | 74.1413% | 3,512 |
| Net loans and leases to core deposits | 86.1841% | 2,896 |
| Total domestic deposits to total assets | 87.9954% | 1,504 |
| Equity capital to assets | 11.8192% | 1,970 |
| Core capital (leverage) ratio | 9.7626% | 3,732 |
| Tier 1 risk-based capital ratio | 13.1392% | 3,823 |
| Total risk-based capital ratio | 14.2765% | 3,791 |
| Memoranda: | ||
| Average total assets | $172,541,000 | 3,218 |
| Average earning assets | $159,746,800 | 3,203 |
| Average equity | $21,158,000 | 3,022 |
| Average total loans | $111,405,200 | 3,156 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5441% | 4,707 |
| Cost of funding earning assets | 0.1754% | 5,159 |
| Net interest margin | 3.3687% | 3,955 |
| Noninterest income to average assets | 0.4066% | 3,643 |
| Noninterest expense to average assets | 2.0792% | 4,779 |
| Loan and lease loss provision to assets | 0.0297% | 3,527 |
| Net operating income to assets | 0.9100% | 2,978 |
| Return on assets (ROA) | 0.9110% | 3,031 |
| Pretax return on assets | 1.4223% | 2,052 |
| Return on Equity (ROE) | 7.3583% | 3,465 |
| Retained earnings to average equity (ytd only) | 5.5898% | 2,485 |
| Net charge-offs to loans | 0.0158% | 3,202 |
| Credit loss provision to net charge-offs | 292.3077% | 1,016 |
| Earnings coverage of net charge-offs (x) | 142.7161% | 558 |
| Efficiency ratio | 58.9056% | 4,375 |
| Assets per employee ($millions) | 4.3381% | 3,414 |
| Cash dividends to net income (ytd only)* | 24.0341% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 2,433 |
| Loan loss allowance to noncurrent loans | 596.5517% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 4,552 |
| Noncurrent loans to loans | 0.2154% | 4,202 |
| Net loans and leases to total assets | 64.4846% | 3,326 |
| Net loans and leases to deposits | 74.3842% | 3,530 |
| Net loans and leases to core deposits | 83.8204% | 3,140 |
| Total domestic deposits to total assets | 86.6913% | 1,999 |
| Equity capital to assets | 13.0843% | 1,340 |
| Core capital (leverage) ratio | 10.1409% | 3,390 |
| Tier 1 risk-based capital ratio | 14.6549% | 3,099 |
| Total risk-based capital ratio | 15.8803% | 3,030 |
| Memoranda: | ||
| Average total assets | $170,512,500 | 3,264 |
| Average earning assets | $158,078,750 | 3,255 |
| Average equity | $21,109,500 | 3,056 |
| Average total loans | $109,435,250 | 3,217 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4602% | 4,851 |
| Cost of funding earning assets | 0.1449% | 5,368 |
| Net interest margin | 3.3153% | 4,061 |
| Noninterest income to average assets | 0.4118% | 3,614 |
| Noninterest expense to average assets | 2.0464% | 4,887 |
| Loan and lease loss provision to assets | 0.0232% | 3,526 |
| Net operating income to assets | 0.9098% | 2,863 |
| Return on assets (ROA) | 0.9083% | 2,921 |
| Pretax return on assets | 1.4188% | 1,941 |
| Return on Equity (ROE) | 7.4727% | 3,299 |
| Retained earnings to average equity (ytd only) | 4.8005% | 2,848 |
| Net charge-offs to loans | 0.0236% | 2,748 |
| Credit loss provision to net charge-offs | 153.8462% | 1,500 |
| Earnings coverage of net charge-offs (x) | 95.7692% | 675 |
| Efficiency ratio | 58.6241% | 4,514 |
| Assets per employee ($millions) | 4.7625% | 2,702 |
| Cash dividends to net income (ytd only)* | 35.7599% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,595 |
| Loan loss allowance to noncurrent loans | 413.9394% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 4,408 |
| Noncurrent loans to loans | 0.3056% | 3,945 |
| Net loans and leases to total assets | 62.1783% | 3,613 |
| Net loans and leases to deposits | 71.1073% | 3,816 |
| Net loans and leases to core deposits | 79.3533% | 3,476 |
| Total domestic deposits to total assets | 87.4429% | 1,748 |
| Equity capital to assets | 12.3617% | 1,697 |
| Core capital (leverage) ratio | 9.7436% | 3,843 |
| Tier 1 risk-based capital ratio | 14.1101% | 3,369 |
| Total risk-based capital ratio | 15.3021% | 3,323 |
| Memoranda: | ||
| Average total assets | $172,401,000 | 3,257 |
| Average earning assets | $160,108,000 | 3,242 |
| Average equity | $20,956,330 | 3,065 |
| Average total loans | $110,018,670 | 3,222 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3846% | 4,962 |
| Cost of funding earning assets | 0.1196% | 5,565 |
| Net interest margin | 3.2650% | 4,125 |
| Noninterest income to average assets | 0.4188% | 3,527 |
| Noninterest expense to average assets | 2.0176% | 5,011 |
| Loan and lease loss provision to assets | 0.0301% | 3,174 |
| Net operating income to assets | 0.8984% | 2,771 |
| Return on assets (ROA) | 0.8954% | 2,831 |
| Pretax return on assets | 1.3975% | 1,903 |
| Return on Equity (ROE) | 7.4289% | 3,199 |
| Retained earnings to average equity (ytd only) | 7.4289% | 1,684 |
| Net charge-offs to loans | 0.0144% | 2,511 |
| Credit loss provision to net charge-offs | 325.0000% | 750 |
| Earnings coverage of net charge-offs (x) | 154.7500% | 349 |
| Efficiency ratio | 58.4842% | 4,663 |
| Assets per employee ($millions) | 4.7924% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,740 |
| Loan loss allowance to noncurrent loans | 470.1031% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 4,580 |
| Noncurrent loans to loans | 0.2687% | 4,148 |
| Net loans and leases to total assets | 61.9847% | 3,536 |
| Net loans and leases to deposits | 70.8265% | 3,712 |
| Net loans and leases to core deposits | 79.2590% | 3,357 |
| Total domestic deposits to total assets | 87.5162% | 1,980 |
| Equity capital to assets | 12.1998% | 1,710 |
| Core capital (leverage) ratio | 9.6013% | 4,002 |
| Tier 1 risk-based capital ratio | 13.9613% | 3,508 |
| Total risk-based capital ratio | 15.1510% | 3,452 |
| Memoranda: | ||
| Average total assets | $172,877,000 | 3,281 |
| Average earning assets | $160,490,000 | 3,263 |
| Average equity | $20,837,500 | 3,092 |
| Average total loans | $111,043,000 | 3,231 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4868% | 4,817 |
| Cost of funding earning assets | 0.1263% | 5,577 |
| Net interest margin | 3.3605% | 3,959 |
| Noninterest income to average assets | 0.3959% | 3,920 |
| Noninterest expense to average assets | 2.0644% | 5,067 |
| Loan and lease loss provision to assets | 0.0258% | 3,837 |
| Net operating income to assets | 0.9094% | 2,772 |
| Return on assets (ROA) | 0.9094% | 2,887 |
| Pretax return on assets | 1.4189% | 1,868 |
| Return on Equity (ROE) | 7.8252% | 3,038 |
| Retained earnings to average equity (ytd only) | 5.0654% | 2,304 |
| Net charge-offs to loans | 0.0053% | 4,071 |
| Credit loss provision to net charge-offs | 750.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 419.6667% | 193 |
| Efficiency ratio | 58.8293% | 4,743 |
| Assets per employee ($millions) | 5.0949% | 2,291 |
| Cash dividends to net income (ytd only)* | 35.2681% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 3,154 |
| Loan loss allowance to noncurrent loans | 647.1429% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 4,831 |
| Noncurrent loans to loans | 0.1846% | 4,499 |
| Net loans and leases to total assets | 64.8967% | 3,233 |
| Net loans and leases to deposits | 73.8746% | 3,527 |
| Net loans and leases to core deposits | 83.2387% | 3,105 |
| Total domestic deposits to total assets | 87.8471% | 1,714 |
| Equity capital to assets | 11.9076% | 1,871 |
| Core capital (leverage) ratio | 9.4443% | 4,164 |
| Tier 1 risk-based capital ratio | 12.8452% | 4,172 |
| Total risk-based capital ratio | 13.9594% | 4,156 |
| Memoranda: | ||
| Average total assets | $174,284,200 | 3,227 |
| Average earning assets | $161,465,200 | 3,212 |
| Average equity | $20,255,200 | 3,144 |
| Average total loans | $113,495,400 | 3,165 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4844% | 4,850 |
| Cost of funding earning assets | 0.1261% | 5,645 |
| Net interest margin | 3.3583% | 4,005 |
| Noninterest income to average assets | 0.3865% | 4,014 |
| Noninterest expense to average assets | 2.0731% | 5,061 |
| Loan and lease loss provision to assets | 0.0229% | 3,787 |
| Net operating income to assets | 0.8998% | 2,906 |
| Return on assets (ROA) | 0.8998% | 3,046 |
| Pretax return on assets | 1.4024% | 2,029 |
| Return on Equity (ROE) | 7.7900% | 3,124 |
| Retained earnings to average equity (ytd only) | 5.9383% | 2,216 |
| Net charge-offs to loans | 0.0047% | 3,749 |
| Credit loss provision to net charge-offs | 750.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 466.7805% | 190 |
| Efficiency ratio | 59.2576% | 4,654 |
| Assets per employee ($millions) | 4.8008% | 2,608 |
| Cash dividends to net income (ytd only)* | 23.7688% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 3,379 |
| Loan loss allowance to noncurrent loans | 339.8990% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 4,503 |
| Noncurrent loans to loans | 0.3468% | 4,010 |
| Net loans and leases to total assets | 67.1465% | 2,931 |
| Net loans and leases to deposits | 76.7580% | 3,315 |
| Net loans and leases to core deposits | 85.7502% | 2,972 |
| Total domestic deposits to total assets | 87.4783% | 1,677 |
| Equity capital to assets | 12.2926% | 1,899 |
| Core capital (leverage) ratio | 9.0653% | 4,760 |
| Tier 1 risk-based capital ratio | 12.7873% | 4,283 |
| Total risk-based capital ratio | 13.8949% | 4,285 |
| Memoranda: | ||
| Average total assets | $174,548,750 | 3,236 |
| Average earning assets | $161,746,500 | 3,222 |
| Average equity | $20,162,250 | 3,176 |
| Average total loans | $113,425,000 | 3,174 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4471% | 4,987 |
| Cost of funding earning assets | 0.1233% | 5,738 |
| Net interest margin | 3.3238% | 4,143 |
| Noninterest income to average assets | 0.3508% | 4,271 |
| Noninterest expense to average assets | 2.0790% | 5,105 |
| Loan and lease loss provision to assets | 0.0170% | 3,779 |
| Net operating income to assets | 0.8567% | 3,064 |
| Return on assets (ROA) | 0.8567% | 3,186 |
| Pretax return on assets | 1.3366% | 2,260 |
| Return on Equity (ROE) | 7.5708% | 3,222 |
| Retained earnings to average equity (ytd only) | 4.7705% | 2,884 |
| Net charge-offs to loans | -0.0053% | 4,541 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5671% | 4,568 |
| Assets per employee ($millions) | 4.8753% | 2,442 |
| Cash dividends to net income (ytd only)* | 36.9881% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 3,324 |
| Loan loss allowance to noncurrent loans | 1,227.5229% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 5,317 |
| Noncurrent loans to loans | 0.0982% | 5,060 |
| Net loans and leases to total assets | 60.7700% | 3,780 |
| Net loans and leases to deposits | 68.6133% | 4,123 |
| Net loans and leases to core deposits | 80.4810% | 3,417 |
| Total domestic deposits to total assets | 88.5689% | 1,131 |
| Equity capital to assets | 11.2437% | 2,801 |
| Core capital (leverage) ratio | 8.8114% | 5,041 |
| Tier 1 risk-based capital ratio | 12.4637% | 4,549 |
| Total risk-based capital ratio | 13.5668% | 4,556 |
| Memoranda: | ||
| Average total assets | $176,722,330 | 3,233 |
| Average earning assets | $163,849,330 | 3,223 |
| Average equity | $19,998,000 | 3,197 |
| Average total loans | $113,176,330 | 3,184 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4719% | 4,954 |
| Cost of funding earning assets | 0.1230% | 5,795 |
| Net interest margin | 3.3489% | 4,045 |
| Noninterest income to average assets | 0.3339% | 4,345 |
| Noninterest expense to average assets | 2.1179% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8554% | 2,971 |
| Return on assets (ROA) | 0.8554% | 3,089 |
| Pretax return on assets | 1.3288% | 2,192 |
| Return on Equity (ROE) | 7.5342% | 3,172 |
| Retained earnings to average equity (ytd only) | 7.5342% | 1,650 |
| Net charge-offs to loans | -0.0140% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4466% | 4,537 |
| Assets per employee ($millions) | 5.1533% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 3,688 |
| 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 | 64.1419% | 3,219 |
| Net loans and leases to deposits | 72.6569% | 3,581 |
| Net loans and leases to core deposits | 83.9897% | 2,938 |
| Total domestic deposits to total assets | 88.2805% | 1,484 |
| Equity capital to assets | 11.4695% | 2,468 |
| Core capital (leverage) ratio | 8.9975% | 4,856 |
| Tier 1 risk-based capital ratio | 12.3124% | 4,722 |
| Total risk-based capital ratio | 13.3981% | 4,714 |
| Memoranda: | ||
| Average total assets | $174,891,000 | 3,266 |
| Average earning assets | $162,561,500 | 3,249 |
| Average equity | $19,856,000 | 3,218 |
| Average total loans | $114,285,500 | 3,180 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3830% | 5,199 |
| Cost of funding earning assets | 0.1160% | 5,898 |
| Net interest margin | 3.2671% | 4,414 |
| Noninterest income to average assets | 0.3765% | 4,211 |
| Noninterest expense to average assets | 1.9876% | 5,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9141% | 2,792 |
| Return on assets (ROA) | 0.9141% | 2,878 |
| Pretax return on assets | 1.4248% | 1,803 |
| Return on Equity (ROE) | 8.2317% | 2,825 |
| Retained earnings to average equity (ytd only) | 4.3094% | 2,912 |
| Net charge-offs to loans | 0.0117% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 191.2308% | 347 |
| Efficiency ratio | 58.2466% | 5,115 |
| Assets per employee ($millions) | 4.9877% | 2,381 |
| Cash dividends to net income (ytd only)* | 47.6489% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 3,760 |
| Loan loss allowance to noncurrent loans | 44,000.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 5,605 |
| Noncurrent loans to loans | 0.0026% | 5,555 |
| Net loans and leases to total assets | 65.0413% | 3,117 |
| Net loans and leases to deposits | 73.4790% | 3,553 |
| Net loans and leases to core deposits | 84.4800% | 2,933 |
| Total domestic deposits to total assets | 88.5169% | 1,373 |
| Equity capital to assets | 11.2368% | 2,607 |
| Core capital (leverage) ratio | 8.6597% | 5,266 |
| Tier 1 risk-based capital ratio | 11.8924% | 5,019 |
| Total risk-based capital ratio | 12.9646% | 5,041 |
| Memoranda: | ||
| Average total assets | $174,481,000 | 3,241 |
| Average earning assets | $162,133,600 | 3,226 |
| Average equity | $19,376,400 | 3,233 |
| Average total loans | $111,521,200 | 3,171 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3878% | 5,226 |
| Cost of funding earning assets | 0.1126% | 6,008 |
| Net interest margin | 3.2752% | 4,445 |
| Noninterest income to average assets | 0.3768% | 4,240 |
| Noninterest expense to average assets | 1.9886% | 5,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9194% | 2,864 |
| Return on assets (ROA) | 0.9194% | 2,954 |
| Pretax return on assets | 1.4337% | 1,891 |
| Return on Equity (ROE) | 8.3036% | 2,922 |
| Retained earnings to average equity (ytd only) | 5.6807% | 2,460 |
| Net charge-offs to loans | 0.0012% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1,880.6541% | 34 |
| Efficiency ratio | 58.1063% | 5,109 |
| Assets per employee ($millions) | 5.0159% | 2,281 |
| Cash dividends to net income (ytd only)* | 31.5874% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 3,554 |
| Loan loss allowance to noncurrent loans | 548.1481% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 5,187 |
| Noncurrent loans to loans | 0.2222% | 4,768 |
| Net loans and leases to total assets | 63.3380% | 3,402 |
| Net loans and leases to deposits | 71.7814% | 3,795 |
| Net loans and leases to core deposits | 83.7574% | 3,071 |
| Total domestic deposits to total assets | 88.2373% | 1,432 |
| Equity capital to assets | 11.5452% | 2,467 |
| Core capital (leverage) ratio | 8.6950% | 5,358 |
| Tier 1 risk-based capital ratio | 12.4125% | 4,817 |
| Total risk-based capital ratio | 13.5427% | 4,790 |
| Memoranda: | ||
| Average total assets | $174,459,000 | 3,265 |
| Average earning assets | $162,222,750 | 3,248 |
| Average equity | $19,316,500 | 3,268 |
| Average total loans | $110,686,000 | 3,215 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3465% | 5,352 |
| Cost of funding earning assets | 0.1125% | 6,077 |
| Net interest margin | 3.2340% | 4,549 |
| Noninterest income to average assets | 0.3630% | 4,348 |
| Noninterest expense to average assets | 1.9617% | 5,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9046% | 2,851 |
| Return on assets (ROA) | 0.9046% | 2,972 |
| Pretax return on assets | 1.4098% | 1,939 |
| Return on Equity (ROE) | 8.2846% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.2846% | 1,152 |
| Net charge-offs to loans | 0.0018% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1,239.0000% | 47 |
| Efficiency ratio | 58.1843% | 5,200 |
| Assets per employee ($millions) | 5.4130% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 3,751 |
| Loan loss allowance to noncurrent loans | 2,018.1818% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 5,711 |
| Noncurrent loans to loans | 0.0598% | 5,492 |
| Net loans and leases to total assets | 62.9492% | 3,419 |
| Net loans and leases to deposits | 71.1495% | 3,806 |
| Net loans and leases to core deposits | 83.8302% | 2,996 |
| Total domestic deposits to total assets | 88.4745% | 1,420 |
| Equity capital to assets | 11.3223% | 2,555 |
| Core capital (leverage) ratio | 8.6079% | 5,434 |
| Tier 1 risk-based capital ratio | 12.3184% | 4,925 |
| Total risk-based capital ratio | 13.4422% | 4,903 |
| Memoranda: | ||
| Average total assets | $175,765,670 | 3,273 |
| Average earning assets | $163,513,000 | 3,255 |
| Average equity | $19,192,330 | 3,299 |
| Average total loans | $111,132,000 | 3,229 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2704% | 5,514 |
| Cost of funding earning assets | 0.1092% | 6,166 |
| Net interest margin | 3.1612% | 4,749 |
| Noninterest income to average assets | 0.3457% | 4,435 |
| Noninterest expense to average assets | 1.9950% | 5,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8337% | 3,092 |
| Return on assets (ROA) | 0.8337% | 3,219 |
| Pretax return on assets | 1.2946% | 2,305 |
| Return on Equity (ROE) | 7.7756% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.7756% | 1,654 |
| Net charge-offs to loans | 0.0036% | 3,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 573.0000% | 93 |
| Efficiency ratio | 60.6456% | 5,013 |
| Assets per employee ($millions) | 5.3035% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 3,810 |
| Loan loss allowance to noncurrent loans | 2,775.0000% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 5,830 |
| Noncurrent loans to loans | 0.0442% | 5,604 |
| Net loans and leases to total assets | 61.3499% | 3,473 |
| Net loans and leases to deposits | 69.1236% | 3,843 |
| Net loans and leases to core deposits | 78.3507% | 3,342 |
| Total domestic deposits to total assets | 88.7540% | 1,418 |
| Equity capital to assets | 10.9860% | 2,983 |
| Core capital (leverage) ratio | 8.2922% | 5,735 |
| Tier 1 risk-based capital ratio | 12.0555% | 5,201 |
| Total risk-based capital ratio | 13.1884% | 5,168 |
| Memoranda: | ||
| Average total assets | $177,040,500 | 3,277 |
| Average earning assets | $164,875,000 | 3,253 |
| Average equity | $18,982,500 | 3,342 |
| Average total loans | $111,513,000 | 3,236 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4963% | 5,324 |
| Cost of funding earning assets | 0.1220% | 6,235 |
| Net interest margin | 3.3743% | 4,306 |
| Noninterest income to average assets | 0.4145% | 4,081 |
| Noninterest expense to average assets | 1.9545% | 5,852 |
| Loan and lease loss provision to assets | 0.0347% | 3,896 |
| Net operating income to assets | 0.9512% | 2,627 |
| Return on assets (ROA) | 0.9512% | 2,706 |
| Pretax return on assets | 1.4833% | 1,606 |
| Return on Equity (ROE) | 8.8617% | 2,656 |
| Retained earnings to average equity (ytd only) | -1.5965% | 5,973 |
| Net charge-offs to loans | 0.0018% | 4,937 |
| Credit loss provision to net charge-offs | 3,000.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 1,311.0000% | 30 |
| Efficiency ratio | 56.2854% | 5,640 |
| Assets per employee ($millions) | 5.4263% | 1,830 |
| Cash dividends to net income (ytd only)* | 118.0158% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 4,190 |
| Loan loss allowance to noncurrent loans | 913.0137% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 5,700 |
| Noncurrent loans to loans | 0.1277% | 5,385 |
| Net loans and leases to total assets | 63.0993% | 3,348 |
| Net loans and leases to deposits | 71.7916% | 3,708 |
| Net loans and leases to core deposits | 77.2328% | 3,592 |
| Total domestic deposits to total assets | 87.8922% | 1,828 |
| Equity capital to assets | 10.4642% | 3,531 |
| Core capital (leverage) ratio | 8.2718% | 5,800 |
| Tier 1 risk-based capital ratio | 11.1483% | 5,847 |
| Total risk-based capital ratio | 12.2248% | 5,850 |
| Memoranda: | ||
| Average total assets | $172,725,600 | 3,295 |
| Average earning assets | $156,536,600 | 3,332 |
| Average equity | $18,540,400 | 3,342 |
| Average total loans | $109,366,800 | 3,236 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5306% | 5,322 |
| Cost of funding earning assets | 0.1248% | 6,311 |
| Net interest margin | 3.4058% | 4,217 |
| Noninterest income to average assets | 0.4145% | 4,142 |
| Noninterest expense to average assets | 1.9749% | 5,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9637% | 2,629 |
| Return on assets (ROA) | 0.9637% | 2,699 |
| Pretax return on assets | 1.5013% | 1,643 |
| Return on Equity (ROE) | 8.9194% | 2,736 |
| Retained earnings to average equity (ytd only) | -1.9108% | 6,062 |
| Net charge-offs to loans | 0.0025% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 962.2734% | 79 |
| Efficiency ratio | 56.8131% | 5,576 |
| Assets per employee ($millions) | 5.1655% | 2,055 |
| Cash dividends to net income (ytd only)* | 121.4232% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 4,429 |
| Loan loss allowance to noncurrent loans | 2,053.2258% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 6,024 |
| Noncurrent loans to loans | 0.0566% | 5,789 |
| Net loans and leases to total assets | 63.4761% | 3,269 |
| Net loans and leases to deposits | 71.5347% | 3,730 |
| Net loans and leases to core deposits | 76.0845% | 3,728 |
| Total domestic deposits to total assets | 88.7347% | 1,383 |
| Equity capital to assets | 11.0219% | 2,935 |
| Core capital (leverage) ratio | 8.2613% | 5,876 |
| Tier 1 risk-based capital ratio | 11.6811% | 5,678 |
| Total risk-based capital ratio | 12.7558% | 5,717 |
| Memoranda: | ||
| Average total assets | $171,140,250 | 3,348 |
| Average earning assets | $153,851,250 | 3,409 |
| Average equity | $18,491,000 | 3,371 |
| Average total loans | $108,127,750 | 3,283 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5397% | 5,310 |
| Cost of funding earning assets | 0.1261% | 6,378 |
| Net interest margin | 3.4136% | 4,121 |
| Noninterest income to average assets | 0.4015% | 4,236 |
| Noninterest expense to average assets | 1.9269% | 5,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9675% | 2,462 |
| Return on assets (ROA) | 0.9675% | 2,552 |
| Pretax return on assets | 1.5079% | 1,511 |
| Return on Equity (ROE) | 9.0148% | 2,590 |
| Retained earnings to average equity (ytd only) | -7.3184% | 6,350 |
| Net charge-offs to loans | 0.0037% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 646.0000% | 111 |
| Efficiency ratio | 56.0992% | 5,741 |
| Assets per employee ($millions) | 5.5649% | 1,638 |
| Cash dividends to net income (ytd only)* | 181.1821% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 4,363 |
| Loan loss allowance to noncurrent loans | 1,844.9275% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 6,086 |
| Noncurrent loans to loans | 0.0658% | 5,828 |
| Net loans and leases to total assets | 60.0596% | 3,704 |
| Net loans and leases to deposits | 67.3812% | 4,127 |
| Net loans and leases to core deposits | 71.7625% | 4,072 |
| Total domestic deposits to total assets | 89.1341% | 1,285 |
| Equity capital to assets | 10.6439% | 3,263 |
| Core capital (leverage) ratio | 7.9872% | 6,107 |
| Tier 1 risk-based capital ratio | 11.6977% | 5,693 |
| Total risk-based capital ratio | 12.8066% | 5,723 |
| Memoranda: | ||
| Average total assets | $171,366,670 | 3,365 |
| Average earning assets | $152,272,330 | 3,440 |
| Average equity | $18,392,000 | 3,377 |
| Average total loans | $107,678,670 | 3,291 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5431% | 5,320 |
| Cost of funding earning assets | 0.1259% | 6,465 |
| Net interest margin | 3.4172% | 4,038 |
| Noninterest income to average assets | 0.3841% | 4,315 |
| Noninterest expense to average assets | 1.9462% | 5,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9579% | 2,368 |
| Return on assets (ROA) | 0.9579% | 2,441 |
| Pretax return on assets | 1.4895% | 1,460 |
| Return on Equity (ROE) | 8.8879% | 2,517 |
| Retained earnings to average equity (ytd only) | -23.7518% | 6,572 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6462% | 5,787 |
| Assets per employee ($millions) | 5.2247% | 1,983 |
| Cash dividends to net income (ytd only)* | 367.2372% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 4,503 |
| Loan loss allowance to noncurrent loans | 305.0239% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 5,468 |
| Noncurrent loans to loans | 0.4027% | 4,926 |
| Net loans and leases to total assets | 59.4621% | 3,643 |
| Net loans and leases to deposits | 67.2172% | 3,944 |
| Net loans and leases to core deposits | 69.9244% | 4,103 |
| Total domestic deposits to total assets | 88.4627% | 1,954 |
| Equity capital to assets | 10.3773% | 3,360 |
| Core capital (leverage) ratio | 8.0500% | 6,086 |
| Tier 1 risk-based capital ratio | 11.3647% | 5,985 |
| Total risk-based capital ratio | 12.4786% | 6,006 |
| Memoranda: | ||
| Average total assets | $170,794,000 | 3,393 |
| Average earning assets | $152,520,500 | 3,468 |
| Average equity | $18,407,000 | 3,370 |
| Average total loans | $109,076,500 | 3,282 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7193% | 5,071 |
| Cost of funding earning assets | 0.1320% | 6,602 |
| Net interest margin | 3.5872% | 3,514 |
| Noninterest income to average assets | 0.4214% | 4,289 |
| Noninterest expense to average assets | 1.8949% | 6,194 |
| Loan and lease loss provision to assets | 0.0361% | 4,398 |
| Net operating income to assets | 1.1148% | 1,883 |
| Return on assets (ROA) | 1.1148% | 1,953 |
| Pretax return on assets | 1.7444% | 864 |
| Return on Equity (ROE) | 10.1566% | 2,052 |
| Retained earnings to average equity (ytd only) | 5.9667% | 1,998 |
| Net charge-offs to loans | 0.0064% | 5,334 |
| Credit loss provision to net charge-offs | 857.1429% | 291 |
| Earnings coverage of net charge-offs (x) | 422.5714% | 100 |
| Efficiency ratio | 51.5558% | 6,332 |
| Assets per employee ($millions) | 5.1265% | 2,038 |
| Cash dividends to net income (ytd only)* | 41.2527% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 5,076 |
| Loan loss allowance to noncurrent loans | 1,746.5753% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 6,214 |
| Noncurrent loans to loans | 0.0638% | 6,031 |
| Net loans and leases to total assets | 66.8436% | 2,549 |
| Net loans and leases to deposits | 80.4619% | 2,389 |
| Net loans and leases to core deposits | 83.8359% | 2,692 |
| Total domestic deposits to total assets | 83.0748% | 4,524 |
| Equity capital to assets | 11.1849% | 2,441 |
| Core capital (leverage) ratio | 8.9885% | 5,025 |
| Tier 1 risk-based capital ratio | 11.5316% | 5,889 |
| Total risk-based capital ratio | 12.5743% | 5,947 |
| Memoranda: | ||
| Average total assets | $166,131,000 | 3,472 |
| Average earning assets | $150,701,600 | 3,485 |
| Average equity | $18,234,400 | 3,382 |
| Average total loans | $109,475,600 | 3,255 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 5,029 |
| Cost of funding earning assets | 0.1356% | 6,685 |
| Net interest margin | 3.6164% | 3,381 |
| Noninterest income to average assets | 0.4136% | 4,420 |
| Noninterest expense to average assets | 1.9052% | 6,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1336% | 1,871 |
| Return on assets (ROA) | 1.1336% | 1,943 |
| Pretax return on assets | 1.7762% | 950 |
| Return on Equity (ROE) | 10.3785% | 2,044 |
| Retained earnings to average equity (ytd only) | 4.7390% | 3,280 |
| Net charge-offs to loans | -0.0222% | 6,071 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7521% | 6,271 |
| Assets per employee ($millions) | 4.9109% | 2,286 |
| Cash dividends to net income (ytd only)* | 54.3385% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 5,049 |
| Loan loss allowance to noncurrent loans | 6,526.3158% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 6,360 |
| Noncurrent loans to loans | 0.0178% | 6,298 |
| Net loans and leases to total assets | 64.9599% | 2,810 |
| Net loans and leases to deposits | 74.6143% | 3,139 |
| Net loans and leases to core deposits | 78.1509% | 3,340 |
| Total domestic deposits to total assets | 87.0610% | 2,662 |
| Equity capital to assets | 11.4285% | 2,355 |
| Core capital (leverage) ratio | 8.6866% | 5,556 |
| Tier 1 risk-based capital ratio | 11.8560% | 5,873 |
| Total risk-based capital ratio | 12.9326% | 5,918 |
| Memoranda: | ||
| Average total assets | $165,370,250 | 3,519 |
| Average earning assets | $149,428,250 | 3,545 |
| Average equity | $18,062,500 | 3,446 |
| Average total loans | $108,255,250 | 3,304 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7320% | 5,043 |
| Cost of funding earning assets | 0.1393% | 6,739 |
| Net interest margin | 3.5927% | 3,391 |
| Noninterest income to average assets | 0.3929% | 4,574 |
| Noninterest expense to average assets | 1.8742% | 6,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1113% | 1,890 |
| Return on assets (ROA) | 1.1113% | 2,008 |
| Pretax return on assets | 1.7420% | 1,031 |
| Return on Equity (ROE) | 10.3296% | 2,076 |
| Retained earnings to average equity (ytd only) | 1.7979% | 5,113 |
| Net charge-offs to loans | 0.0202% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 131.8182% | 372 |
| Efficiency ratio | 51.8272% | 6,289 |
| Assets per employee ($millions) | 5.2642% | 1,831 |
| Cash dividends to net income (ytd only)* | 82.5946% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 5,277 |
| Loan loss allowance to noncurrent loans | 1,053.0435% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 6,207 |
| Noncurrent loans to loans | 0.1083% | 6,072 |
| Net loans and leases to total assets | 64.3260% | 2,867 |
| Net loans and leases to deposits | 72.4817% | 3,385 |
| Net loans and leases to core deposits | 77.2741% | 3,392 |
| Total domestic deposits to total assets | 88.7480% | 1,758 |
| Equity capital to assets | 11.0197% | 2,732 |
| Core capital (leverage) ratio | 8.1727% | 6,034 |
| Tier 1 risk-based capital ratio | 11.5141% | 6,103 |
| Total risk-based capital ratio | 12.5725% | 6,159 |
| Memoranda: | ||
| Average total assets | $166,473,670 | 3,518 |
| Average earning assets | $149,357,670 | 3,566 |
| Average equity | $17,909,670 | 3,503 |
| Average total loans | $108,835,670 | 3,304 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 5,067 |
| Cost of funding earning assets | 0.1441% | 6,814 |
| Net interest margin | 3.5835% | 3,328 |
| Noninterest income to average assets | 0.3783% | 4,638 |
| Noninterest expense to average assets | 1.9344% | 6,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0469% | 2,051 |
| Return on assets (ROA) | 1.0469% | 2,158 |
| Pretax return on assets | 1.6393% | 1,219 |
| Return on Equity (ROE) | 9.8473% | 2,118 |
| Retained earnings to average equity (ytd only) | -7.2512% | 6,487 |
| Net charge-offs to loans | -0.0036% | 5,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1278% | 6,220 |
| Assets per employee ($millions) | 5.6427% | 1,550 |
| Cash dividends to net income (ytd only)* | 173.6364% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 5,414 |
| Loan loss allowance to noncurrent loans | 1,630.6667% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 6,396 |
| Noncurrent loans to loans | 0.0704% | 6,272 |
| Net loans and leases to total assets | 62.2131% | 3,020 |
| Net loans and leases to deposits | 69.6998% | 3,539 |
| Net loans and leases to core deposits | 73.7113% | 3,617 |
| Total domestic deposits to total assets | 89.2587% | 1,521 |
| Equity capital to assets | 10.4554% | 3,590 |
| Core capital (leverage) ratio | 7.8749% | 6,238 |
| Tier 1 risk-based capital ratio | 11.0018% | 6,403 |
| Total risk-based capital ratio | 12.0621% | 6,453 |
| Memoranda: | ||
| Average total assets | $168,116,000 | 3,533 |
| Average earning assets | $149,910,000 | 3,594 |
| Average equity | $17,873,000 | 3,543 |
| Average total loans | $110,161,500 | 3,283 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 5,018 |
| Cost of funding earning assets | 0.2022% | 6,830 |
| Net interest margin | 3.8771% | 2,919 |
| Noninterest income to average assets | 0.4584% | 4,186 |
| Noninterest expense to average assets | 1.9239% | 6,465 |
| Loan and lease loss provision to assets | 0.0062% | 5,848 |
| Net operating income to assets | 1.2641% | 1,411 |
| Return on assets (ROA) | 1.2641% | 1,567 |
| Pretax return on assets | 1.9869% | 621 |
| Return on Equity (ROE) | 11.9005% | 1,535 |
| Retained earnings to average equity (ytd only) | 8.9922% | 825 |
| Net charge-offs to loans | 0.0781% | 4,892 |
| Credit loss provision to net charge-offs | 12.0482% | 5,375 |
| Earnings coverage of net charge-offs (x) | 38.8675% | 821 |
| Efficiency ratio | 49.1167% | 6,644 |
| Assets per employee ($millions) | 5.3855% | 1,806 |
| Cash dividends to net income (ytd only)* | 24.4379% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 5,661 |
| Loan loss allowance to noncurrent loans | 557.9909% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 6,149 |
| Noncurrent loans to loans | 0.1925% | 5,984 |
| Net loans and leases to total assets | 67.4228% | 2,292 |
| Net loans and leases to deposits | 76.1250% | 2,787 |
| Net loans and leases to core deposits | 77.9652% | 3,262 |
| Total domestic deposits to total assets | 88.5685% | 1,859 |
| Equity capital to assets | 10.8098% | 3,165 |
| Core capital (leverage) ratio | 8.2251% | 5,971 |
| Tier 1 risk-based capital ratio | 10.7626% | 6,444 |
| Total risk-based capital ratio | 11.7733% | 6,516 |
| Memoranda: | ||
| Average total assets | $161,858,800 | 3,587 |
| Average earning assets | $144,385,600 | 3,658 |
| Average equity | $17,192,600 | 3,587 |
| Average total loans | $106,278,200 | 3,369 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1822% | 4,878 |
| Cost of funding earning assets | 0.2179% | 6,908 |
| Net interest margin | 3.9643% | 2,651 |
| Noninterest income to average assets | 0.4666% | 4,169 |
| Noninterest expense to average assets | 1.9354% | 6,464 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2944% | 1,454 |
| Return on assets (ROA) | 1.2944% | 1,603 |
| Pretax return on assets | 2.0358% | 654 |
| Return on Equity (ROE) | 12.2422% | 1,553 |
| Retained earnings to average equity (ytd only) | 8.3159% | 1,486 |
| Net charge-offs to loans | 0.0996% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 31.4351% | 1,064 |
| Efficiency ratio | 48.7351% | 6,679 |
| Assets per employee ($millions) | 5.0746% | 2,085 |
| Cash dividends to net income (ytd only)* | 32.0719% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,301 |
| Loan loss allowance to noncurrent loans | 760.6250% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 6,382 |
| Noncurrent loans to loans | 0.1573% | 6,215 |
| Net loans and leases to total assets | 61.8951% | 3,400 |
| Net loans and leases to deposits | 69.6485% | 3,944 |
| Net loans and leases to core deposits | 71.8368% | 4,273 |
| Total domestic deposits to total assets | 88.8679% | 1,502 |
| Equity capital to assets | 10.8193% | 3,478 |
| Core capital (leverage) ratio | 7.9704% | 6,352 |
| Tier 1 risk-based capital ratio | 11.3630% | 6,321 |
| Total risk-based capital ratio | 12.4670% | 6,359 |
| Memoranda: | ||
| Average total assets | $160,585,750 | 3,644 |
| Average earning assets | $141,962,500 | 3,736 |
| Average equity | $16,979,000 | 3,658 |
| Average total loans | $104,401,500 | 3,447 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 4,903 |
| Cost of funding earning assets | 0.2299% | 6,970 |
| Net interest margin | 3.9823% | 2,581 |
| Noninterest income to average assets | 0.4525% | 4,271 |
| Noninterest expense to average assets | 1.9377% | 6,535 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2989% | 1,447 |
| Return on assets (ROA) | 1.2989% | 1,598 |
| Pretax return on assets | 2.0439% | 636 |
| Return on Equity (ROE) | 12.3821% | 1,546 |
| Retained earnings to average equity (ytd only) | 6.4234% | 2,424 |
| Net charge-offs to loans | 0.1121% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 27.7119% | 1,126 |
| Efficiency ratio | 48.6656% | 6,730 |
| Assets per employee ($millions) | 5.0411% | 2,122 |
| Cash dividends to net income (ytd only)* | 48.1232% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 5,333 |
| Loan loss allowance to noncurrent loans | 352.1368% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 6,159 |
| Noncurrent loans to loans | 0.3419% | 5,865 |
| Net loans and leases to total assets | 62.8677% | 3,259 |
| Net loans and leases to deposits | 70.4760% | 3,826 |
| Net loans and leases to core deposits | 72.8671% | 4,186 |
| Total domestic deposits to total assets | 89.2044% | 1,387 |
| Equity capital to assets | 10.5818% | 3,586 |
| Core capital (leverage) ratio | 7.6570% | 6,536 |
| Tier 1 risk-based capital ratio | 10.9259% | 6,534 |
| Total risk-based capital ratio | 12.0507% | 6,567 |
| Memoranda: | ||
| Average total assets | $159,985,670 | 3,662 |
| Average earning assets | $141,778,670 | 3,756 |
| Average equity | $16,782,330 | 3,686 |
| Average total loans | $105,293,330 | 3,455 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 5,128 |
| Cost of funding earning assets | 0.2440% | 7,018 |
| Net interest margin | 3.9487% | 2,723 |
| Noninterest income to average assets | 0.4243% | 4,487 |
| Noninterest expense to average assets | 1.9533% | 6,546 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2754% | 1,518 |
| Return on assets (ROA) | 1.2754% | 1,690 |
| Pretax return on assets | 2.0060% | 727 |
| Return on Equity (ROE) | 12.2126% | 1,610 |
| Retained earnings to average equity (ytd only) | 0.1923% | 5,917 |
| Net charge-offs to loans | 0.0525% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 57.0714% | 571 |
| Efficiency ratio | 49.3342% | 6,719 |
| Assets per employee ($millions) | 5.2871% | 1,902 |
| Cash dividends to net income (ytd only)* | 98.4252% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 5,270 |
| Loan loss allowance to noncurrent loans | 552.1552% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 6,466 |
| Noncurrent loans to loans | 0.2257% | 6,239 |
| Net loans and leases to total assets | 61.9390% | 3,267 |
| Net loans and leases to deposits | 69.1808% | 3,846 |
| Net loans and leases to core deposits | 71.2242% | 4,263 |
| Total domestic deposits to total assets | 89.5320% | 1,349 |
| Equity capital to assets | 10.1501% | 3,916 |
| Core capital (leverage) ratio | 7.4360% | 6,674 |
| Tier 1 risk-based capital ratio | 10.3993% | 6,764 |
| Total risk-based capital ratio | 11.5602% | 6,792 |
| Memoranda: | ||
| Average total assets | $159,321,000 | 3,700 |
| Average earning assets | $142,628,000 | 3,767 |
| Average equity | $16,638,500 | 3,708 |
| Average total loans | $106,614,500 | 3,440 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 4,367 |
| Cost of funding earning assets | 0.4202% | 6,830 |
| Net interest margin | 4.2522% | 1,873 |
| Noninterest income to average assets | 0.5107% | 3,776 |
| Noninterest expense to average assets | 2.0420% | 6,602 |
| Loan and lease loss provision to assets | 0.0368% | 6,105 |
| Net operating income to assets | 1.4070% | 1,018 |
| Return on assets (ROA) | 1.4070% | 1,096 |
| Pretax return on assets | 2.2198% | 353 |
| Return on Equity (ROE) | 12.9155% | 1,185 |
| Retained earnings to average equity (ytd only) | 3.7121% | 3,567 |
| Net charge-offs to loans | 0.0753% | 5,565 |
| Credit loss provision to net charge-offs | 69.6203% | 4,860 |
| Earnings coverage of net charge-offs (x) | 42.7342% | 639 |
| Efficiency ratio | 47.5043% | 6,966 |
| Assets per employee ($millions) | 4.9917% | 2,210 |
| Cash dividends to net income (ytd only)* | 71.2589% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 5,519 |
| Loan loss allowance to noncurrent loans | 1,003.8760% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 6,647 |
| Noncurrent loans to loans | 0.1168% | 6,522 |
| Net loans and leases to total assets | 70.5271% | 1,922 |
| Net loans and leases to deposits | 79.2954% | 2,644 |
| Net loans and leases to core deposits | 83.3028% | 2,982 |
| Total domestic deposits to total assets | 88.9422% | 1,578 |
| Equity capital to assets | 10.7540% | 3,239 |
| Core capital (leverage) ratio | 7.6487% | 6,567 |
| Tier 1 risk-based capital ratio | 9.9847% | 6,863 |
| Total risk-based capital ratio | 11.1130% | 6,881 |
| Memoranda: | ||
| Average total assets | $149,611,400 | 3,807 |
| Average earning assets | $133,272,400 | 3,861 |
| Average equity | $16,298,200 | 3,678 |
| Average total loans | $104,915,400 | 3,503 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 4,405 |
| Cost of funding earning assets | 0.4505% | 6,875 |
| Net interest margin | 4.2604% | 1,870 |
| Noninterest income to average assets | 0.5178% | 3,743 |
| Noninterest expense to average assets | 2.0504% | 6,593 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4382% | 1,082 |
| Return on assets (ROA) | 1.4382% | 1,154 |
| Pretax return on assets | 2.2670% | 382 |
| Return on Equity (ROE) | 13.1582% | 1,236 |
| Retained earnings to average equity (ytd only) | 4.9343% | 3,217 |
| Net charge-offs to loans | 0.0541% | 5,428 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 60.0461% | 550 |
| Efficiency ratio | 47.4912% | 6,986 |
| Assets per employee ($millions) | 4.9236% | 2,292 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 5,464 |
| Loan loss allowance to noncurrent loans | 721.4689% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 6,680 |
| Noncurrent loans to loans | 0.1664% | 6,533 |
| Net loans and leases to total assets | 68.8711% | 2,299 |
| Net loans and leases to deposits | 77.6395% | 3,064 |
| Net loans and leases to core deposits | 80.9431% | 3,496 |
| Total domestic deposits to total assets | 88.7062% | 1,617 |
| Equity capital to assets | 10.9210% | 3,220 |
| Core capital (leverage) ratio | 7.9723% | 6,423 |
| Tier 1 risk-based capital ratio | 10.3273% | 6,848 |
| Total risk-based capital ratio | 11.4785% | 6,871 |
| Memoranda: | ||
| Average total assets | $148,328,750 | 3,856 |
| Average earning assets | $132,285,750 | 3,908 |
| Average equity | $16,212,500 | 3,700 |
| Average total loans | $103,536,750 | 3,555 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 4,452 |
| Cost of funding earning assets | 0.4822% | 6,903 |
| Net interest margin | 4.2376% | 1,888 |
| Noninterest income to average assets | 0.4997% | 3,855 |
| Noninterest expense to average assets | 2.0736% | 6,644 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4010% | 1,083 |
| Return on assets (ROA) | 1.4010% | 1,150 |
| Pretax return on assets | 2.2070% | 405 |
| Return on Equity (ROE) | 12.8142% | 1,242 |
| Retained earnings to average equity (ytd only) | 0.3611% | 5,700 |
| Net charge-offs to loans | 0.0838% | 4,805 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 37.6977% | 776 |
| Efficiency ratio | 48.4415% | 7,036 |
| Assets per employee ($millions) | 4.7337% | 2,498 |
| Cash dividends to net income (ytd only)* | 97.1817% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 5,421 |
| Loan loss allowance to noncurrent loans | 1,215.2381% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 6,838 |
| Noncurrent loans to loans | 0.1011% | 6,720 |
| Net loans and leases to total assets | 69.9163% | 2,236 |
| Net loans and leases to deposits | 78.8245% | 2,991 |
| Net loans and leases to core deposits | 82.5061% | 3,430 |
| Total domestic deposits to total assets | 88.6987% | 1,719 |
| Equity capital to assets | 10.9981% | 2,954 |
| Core capital (leverage) ratio | 7.5506% | 6,711 |
| Tier 1 risk-based capital ratio | 10.1299% | 6,940 |
| Total risk-based capital ratio | 11.3175% | 6,945 |
| Memoranda: | ||
| Average total assets | $146,894,000 | 3,903 |
| Average earning assets | $131,063,330 | 3,960 |
| Average equity | $16,060,330 | 3,724 |
| Average total loans | $102,583,330 | 3,617 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7013% | 4,520 |
| Cost of funding earning assets | 0.5166% | 6,914 |
| Net interest margin | 4.1847% | 1,949 |
| Noninterest income to average assets | 0.4300% | 4,450 |
| Noninterest expense to average assets | 2.1038% | 6,623 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3037% | 1,256 |
| Return on assets (ROA) | 1.3037% | 1,300 |
| Pretax return on assets | 2.0521% | 510 |
| Return on Equity (ROE) | 11.9593% | 1,474 |
| Retained earnings to average equity (ytd only) | -0.5243% | 5,887 |
| Net charge-offs to loans | 0.1570% | 3,545 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 18.8500% | 1,165 |
| Efficiency ratio | 50.6221% | 6,946 |
| Assets per employee ($millions) | 4.8245% | 2,382 |
| Cash dividends to net income (ytd only)* | 104.3841% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 5,003 |
| Loan loss allowance to noncurrent loans | 556.0870% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 6,699 |
| Noncurrent loans to loans | 0.2387% | 6,507 |
| Net loans and leases to total assets | 63.5647% | 3,526 |
| Net loans and leases to deposits | 71.4544% | 4,143 |
| Net loans and leases to core deposits | 74.7455% | 4,455 |
| Total domestic deposits to total assets | 88.9584% | 1,798 |
| Equity capital to assets | 10.6866% | 2,999 |
| Core capital (leverage) ratio | 7.5558% | 6,692 |
| Tier 1 risk-based capital ratio | 10.5945% | 6,752 |
| Total risk-based capital ratio | 11.8452% | 6,734 |
| Memoranda: | ||
| Average total assets | $146,969,000 | 3,931 |
| Average earning assets | $130,858,500 | 4,006 |
| Average equity | $16,021,000 | 3,725 |
| Average total loans | $101,938,000 | 3,672 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1986% | 3,618 |
| Cost of funding earning assets | 0.7661% | 6,689 |
| Net interest margin | 4.4325% | 1,395 |
| Noninterest income to average assets | 0.6183% | 3,351 |
| Noninterest expense to average assets | 2.1905% | 6,645 |
| Loan and lease loss provision to assets | 0.1986% | 5,247 |
| Net operating income to assets | 1.4100% | 927 |
| Return on assets (ROA) | 1.4272% | 961 |
| Pretax return on assets | 2.2571% | 277 |
| Return on Equity (ROE) | 12.6735% | 1,169 |
| Retained earnings to average equity (ytd only) | 4.8016% | 2,544 |
| Net charge-offs to loans | 0.0877% | 5,963 |
| Credit loss provision to net charge-offs | 304.4444% | 874 |
| Earnings coverage of net charge-offs (x) | 37.2333% | 616 |
| Efficiency ratio | 47.4188% | 7,288 |
| Assets per employee ($millions) | 4.6573% | 2,612 |
| Cash dividends to net income (ytd only)* | 62.1127% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 5,383 |
| Loan loss allowance to noncurrent loans | 284.8812% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 6,444 |
| Noncurrent loans to loans | 0.4306% | 6,185 |
| Net loans and leases to total assets | 73.5643% | 1,752 |
| Net loans and leases to deposits | 83.1995% | 2,590 |
| Net loans and leases to core deposits | 86.9469% | 3,192 |
| Total domestic deposits to total assets | 88.4192% | 2,004 |
| Equity capital to assets | 11.1230% | 2,578 |
| Core capital (leverage) ratio | 7.8971% | 6,321 |
| Tier 1 risk-based capital ratio | 9.8332% | 7,043 |
| Total risk-based capital ratio | 11.0281% | 7,058 |
| Memoranda: | ||
| Average total assets | $137,961,600 | 4,094 |
| Average earning assets | $124,534,200 | 4,144 |
| Average equity | $15,536,400 | 3,858 |
| Average total loans | $102,579,200 | 3,724 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2329% | 3,667 |
| Cost of funding earning assets | 0.8155% | 6,712 |
| Net interest margin | 4.4175% | 1,476 |
| Noninterest income to average assets | 0.5485% | 3,801 |
| Noninterest expense to average assets | 2.1834% | 6,650 |
| Loan and lease loss provision to assets | 0.0724% | 6,336 |
| Net operating income to assets | 1.4475% | 1,024 |
| Return on assets (ROA) | 1.4569% | 1,082 |
| Pretax return on assets | 2.3066% | 333 |
| Return on Equity (ROE) | 12.8953% | 1,285 |
| Retained earnings to average equity (ytd only) | 2.3108% | 4,781 |
| Net charge-offs to loans | 0.0697% | 5,815 |
| Credit loss provision to net charge-offs | 139.6226% | 2,851 |
| Earnings coverage of net charge-offs (x) | 45.6258% | 607 |
| Efficiency ratio | 48.0112% | 7,271 |
| Assets per employee ($millions) | 4.4229% | 3,039 |
| Cash dividends to net income (ytd only)* | 82.0806% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 5,849 |
| Loan loss allowance to noncurrent loans | 239.8340% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.3698% | 6,483 |
| Noncurrent loans to loans | 0.4678% | 6,255 |
| Net loans and leases to total assets | 74.3040% | 1,735 |
| Net loans and leases to deposits | 85.3029% | 2,466 |
| Net loans and leases to core deposits | 90.9788% | 2,956 |
| Total domestic deposits to total assets | 87.1061% | 2,469 |
| Equity capital to assets | 11.3740% | 2,627 |
| Core capital (leverage) ratio | 7.8719% | 6,492 |
| Tier 1 risk-based capital ratio | 9.8203% | 7,150 |
| Total risk-based capital ratio | 10.9144% | 7,193 |
| Memoranda: | ||
| Average total assets | $136,357,750 | 4,183 |
| Average earning assets | $123,445,500 | 4,213 |
| Average equity | $15,405,750 | 3,918 |
| Average total loans | $101,341,750 | 3,824 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2016% | 3,951 |
| Cost of funding earning assets | 0.8510% | 6,757 |
| Net interest margin | 4.3506% | 1,584 |
| Noninterest income to average assets | 0.5099% | 4,028 |
| Noninterest expense to average assets | 2.1439% | 6,781 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4524% | 984 |
| Return on assets (ROA) | 1.4665% | 1,028 |
| Pretax return on assets | 2.3246% | 319 |
| Return on Equity (ROE) | 13.0095% | 1,237 |
| Retained earnings to average equity (ytd only) | 2.7635% | 4,376 |
| Net charge-offs to loans | 0.1092% | 5,072 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 28.4909% | 951 |
| Efficiency ratio | 48.2155% | 7,337 |
| Assets per employee ($millions) | 4.3756% | 3,087 |
| Cash dividends to net income (ytd only)* | 78.7575% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 6,082 |
| Loan loss allowance to noncurrent loans | 395.6044% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 6,827 |
| Noncurrent loans to loans | 0.2704% | 6,691 |
| Net loans and leases to total assets | 73.6367% | 1,993 |
| Net loans and leases to deposits | 83.3664% | 3,001 |
| Net loans and leases to core deposits | 88.6871% | 3,455 |
| Total domestic deposits to total assets | 88.3289% | 1,815 |
| Equity capital to assets | 11.3813% | 2,536 |
| Core capital (leverage) ratio | 7.8824% | 6,406 |
| Tier 1 risk-based capital ratio | 9.9937% | 7,030 |
| Total risk-based capital ratio | 11.0396% | 7,122 |
| Memoranda: | ||
| Average total assets | $136,106,670 | 4,208 |
| Average earning assets | $123,154,330 | 4,248 |
| Average equity | $15,342,670 | 3,927 |
| Average total loans | $100,777,330 | 3,868 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0858% | 4,601 |
| Cost of funding earning assets | 0.8709% | 6,866 |
| Net interest margin | 4.2148% | 1,979 |
| Noninterest income to average assets | 0.4606% | 4,380 |
| Noninterest expense to average assets | 2.1887% | 6,716 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3097% | 1,276 |
| Return on assets (ROA) | 1.3378% | 1,277 |
| Pretax return on assets | 2.1212% | 483 |
| Return on Equity (ROE) | 11.9255% | 1,520 |
| Retained earnings to average equity (ytd only) | 2.7983% | 4,452 |
| Net charge-offs to loans | 0.1152% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 24.4138% | 1,018 |
| Efficiency ratio | 51.3067% | 7,208 |
| Assets per employee ($millions) | 4.3740% | 3,171 |
| Cash dividends to net income (ytd only)* | 76.5351% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 5,846 |
| Loan loss allowance to noncurrent loans | 412.6866% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 6,900 |
| Noncurrent loans to loans | 0.2746% | 6,772 |
| Net loans and leases to total assets | 71.1693% | 2,657 |
| Net loans and leases to deposits | 80.5580% | 3,542 |
| Net loans and leases to core deposits | 85.6509% | 3,952 |
| Total domestic deposits to total assets | 88.3454% | 1,885 |
| Equity capital to assets | 11.3065% | 2,500 |
| Core capital (leverage) ratio | 7.9734% | 6,272 |
| Tier 1 risk-based capital ratio | 10.1554% | 6,929 |
| Total risk-based capital ratio | 11.2549% | 7,020 |
| Memoranda: | ||
| Average total assets | $136,338,500 | 4,265 |
| Average earning assets | $123,089,000 | 4,301 |
| Average equity | $15,295,000 | 3,961 |
| Average total loans | $100,684,500 | 3,940 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6341% | 3,418 |
| Cost of funding earning assets | 1.2787% | 6,382 |
| Net interest margin | 4.3555% | 1,553 |
| Noninterest income to average assets | 0.5376% | 4,124 |
| Noninterest expense to average assets | 2.2176% | 6,947 |
| Loan and lease loss provision to assets | 0.3031% | 5,009 |
| Net operating income to assets | 1.2427% | 1,148 |
| Return on assets (ROA) | 1.2442% | 1,198 |
| Pretax return on assets | 1.9580% | 441 |
| Return on Equity (ROE) | 10.9362% | 1,446 |
| Retained earnings to average equity (ytd only) | -0.8946% | 5,226 |
| Net charge-offs to loans | 0.3669% | 4,385 |
| Credit loss provision to net charge-offs | 111.3821% | 4,934 |
| Earnings coverage of net charge-offs (x) | 8.3008% | 1,963 |
| Efficiency ratio | 49.5387% | 7,561 |
| Assets per employee ($millions) | 4.2838% | 3,300 |
| Cash dividends to net income (ytd only)* | 108.1802% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 5,927 |
| Loan loss allowance to noncurrent loans | 377.0764% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 6,845 |
| Noncurrent loans to loans | 0.2901% | 6,702 |
| Net loans and leases to total assets | 74.8647% | 2,060 |
| Net loans and leases to deposits | 94.2016% | 1,570 |
| Net loans and leases to core deposits | 102.0910% | 3,797 |
| Total domestic deposits to total assets | 79.4729% | 5,854 |
| Equity capital to assets | 11.1313% | 2,599 |
| Core capital (leverage) ratio | 7.8788% | 6,346 |
| Tier 1 risk-based capital ratio | 9.4900% | 7,237 |
| Total risk-based capital ratio | 10.5555% | 7,317 |
| Memoranda: | ||
| Average total assets | $135,594,200 | 4,225 |
| Average earning assets | $122,627,400 | 4,249 |
| Average equity | $15,425,800 | 3,985 |
| Average total loans | $100,564,400 | 3,929 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5992% | 3,869 |
| Cost of funding earning assets | 1.3797% | 6,304 |
| Net interest margin | 4.2195% | 1,975 |
| Noninterest income to average assets | 0.4891% | 4,592 |
| Noninterest expense to average assets | 2.1692% | 7,053 |
| Loan and lease loss provision to assets | 0.2297% | 5,135 |
| Net operating income to assets | 1.2197% | 1,418 |
| Return on assets (ROA) | 1.2286% | 1,458 |
| Pretax return on assets | 1.9276% | 625 |
| Return on Equity (ROE) | 10.7405% | 1,696 |
| Retained earnings to average equity (ytd only) | 0.2759% | 5,084 |
| Net charge-offs to loans | 0.3421% | 3,925 |
| Credit loss provision to net charge-offs | 91.0156% | 5,451 |
| Earnings coverage of net charge-offs (x) | 8.4923% | 2,234 |
| Efficiency ratio | 50.2972% | 7,534 |
| Assets per employee ($millions) | 4.0285% | 3,669 |
| Cash dividends to net income (ytd only)* | 97.4321% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 5,821 |
| Loan loss allowance to noncurrent loans | 301.4085% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 6,737 |
| Noncurrent loans to loans | 0.3597% | 6,630 |
| Net loans and leases to total assets | 73.4359% | 2,679 |
| Net loans and leases to deposits | 90.1689% | 2,543 |
| Net loans and leases to core deposits | 101.1543% | 4,249 |
| Total domestic deposits to total assets | 81.4426% | 4,901 |
| Equity capital to assets | 11.5948% | 2,510 |
| Core capital (leverage) ratio | 7.9356% | 6,462 |
| Tier 1 risk-based capital ratio | 10.1380% | 6,842 |
| Total risk-based capital ratio | 11.1933% | 6,984 |
| Memoranda: | ||
| Average total assets | $135,222,250 | 4,246 |
| Average earning assets | $122,539,000 | 4,289 |
| Average equity | $15,467,500 | 4,012 |
| Average total loans | $99,765,250 | 3,991 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5345% | 4,418 |
| Cost of funding earning assets | 1.4818% | 6,210 |
| Net interest margin | 4.0527% | 2,495 |
| Noninterest income to average assets | 0.4795% | 4,632 |
| Noninterest expense to average assets | 2.2591% | 6,889 |
| Loan and lease loss provision to assets | 0.1500% | 5,571 |
| Net operating income to assets | 1.1178% | 1,713 |
| Return on assets (ROA) | 1.1310% | 1,742 |
| Pretax return on assets | 1.7635% | 909 |
| Return on Equity (ROE) | 9.9320% | 2,043 |
| Retained earnings to average equity (ytd only) | 2.0923% | 4,182 |
| Net charge-offs to loans | 0.3236% | 3,562 |
| Credit loss provision to net charge-offs | 62.9630% | 5,542 |
| Earnings coverage of net charge-offs (x) | 7.9444% | 2,352 |
| Efficiency ratio | 54.4102% | 7,287 |
| Assets per employee ($millions) | 4.0552% | 3,582 |
| Cash dividends to net income (ytd only)* | 78.9337% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 5,900 |
| Loan loss allowance to noncurrent loans | 370.2509% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 6,811 |
| Noncurrent loans to loans | 0.2840% | 6,809 |
| Net loans and leases to total assets | 72.6467% | 3,053 |
| Net loans and leases to deposits | 88.9672% | 2,993 |
| Net loans and leases to core deposits | 101.9548% | 4,282 |
| Total domestic deposits to total assets | 81.6556% | 4,832 |
| Equity capital to assets | 11.5533% | 2,503 |
| Core capital (leverage) ratio | 7.8108% | 6,601 |
| Tier 1 risk-based capital ratio | 10.3164% | 6,574 |
| Total risk-based capital ratio | 11.3401% | 6,760 |
| Memoranda: | ||
| Average total assets | $135,983,330 | 4,262 |
| Average earning assets | $123,226,670 | 4,286 |
| Average equity | $15,485,330 | 4,019 |
| Average total loans | $100,122,000 | 4,013 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5076% | 4,874 |
| Cost of funding earning assets | 1.5852% | 6,090 |
| Net interest margin | 3.9224% | 2,967 |
| Noninterest income to average assets | 0.4815% | 4,492 |
| Noninterest expense to average assets | 2.1800% | 6,922 |
| Loan and lease loss provision to assets | 0.1197% | 5,430 |
| Net operating income to assets | 1.1002% | 1,963 |
| Return on assets (ROA) | 1.1002% | 2,087 |
| Pretax return on assets | 1.7131% | 1,149 |
| Return on Equity (ROE) | 9.7306% | 2,430 |
| Retained earnings to average equity (ytd only) | 9.7306% | 1,267 |
| Net charge-offs to loans | 0.2929% | 2,939 |
| Credit loss provision to net charge-offs | 55.4054% | 4,595 |
| Earnings coverage of net charge-offs (x) | 8.4865% | 2,182 |
| Efficiency ratio | 54.3273% | 7,191 |
| Assets per employee ($millions) | 4.1563% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 5,534 |
| Loan loss allowance to noncurrent loans | 512.0773% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 6,906 |
| Noncurrent loans to loans | 0.2130% | 6,920 |
| Net loans and leases to total assets | 70.0679% | 3,653 |
| Net loans and leases to deposits | 85.7802% | 3,670 |
| Net loans and leases to core deposits | 96.9474% | 4,851 |
| Total domestic deposits to total assets | 81.6830% | 4,686 |
| Equity capital to assets | 11.4416% | 2,629 |
| Core capital (leverage) ratio | 8.1537% | 6,183 |
| Tier 1 risk-based capital ratio | 10.5303% | 6,365 |
| Total risk-based capital ratio | 11.5809% | 6,483 |
| Memoranda: | ||
| Average total assets | $137,063,500 | 4,248 |
| Average earning assets | $123,393,500 | 4,297 |
| Average equity | $15,497,500 | 4,041 |
| Average total loans | $101,057,500 | 4,007 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1829% | 4,598 |
| Cost of funding earning assets | 2.2043% | 5,579 |
| Net interest margin | 3.9786% | 3,222 |
| Noninterest income to average assets | 0.5355% | 4,356 |
| Noninterest expense to average assets | 2.1427% | 7,132 |
| Loan and lease loss provision to assets | 0.2196% | 4,689 |
| Net operating income to assets | 1.1356% | 2,008 |
| Return on assets (ROA) | 1.1356% | 1,925 |
| Pretax return on assets | 1.7568% | 1,037 |
| Return on Equity (ROE) | 10.0889% | 2,228 |
| Retained earnings to average equity (ytd only) | 2.6659% | 3,516 |
| Net charge-offs to loans | 0.1921% | 4,269 |
| Credit loss provision to net charge-offs | 149.7436% | 3,519 |
| Earnings coverage of net charge-offs (x) | 13.4769% | 2,128 |
| Efficiency ratio | 52.0175% | 7,488 |
| Assets per employee ($millions) | 4.1506% | 3,212 |
| Cash dividends to net income (ytd only)* | 73.5762% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 5,705 |
| Loan loss allowance to noncurrent loans | 764.3357% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 6,843 |
| Noncurrent loans to loans | 0.1363% | 7,003 |
| Net loans and leases to total assets | 75.8261% | 2,673 |
| Net loans and leases to deposits | 93.9781% | 2,763 |
| Net loans and leases to core deposits | 107.4500% | 4,027 |
| Total domestic deposits to total assets | 80.6848% | 4,778 |
| Equity capital to assets | 11.1718% | 2,898 |
| Core capital (leverage) ratio | 7.8855% | 6,673 |
| Tier 1 risk-based capital ratio | 9.5042% | 7,304 |
| Total risk-based capital ratio | 10.5179% | 7,488 |
| Memoranda: | ||
| Average total assets | $132,965,800 | 4,219 |
| Average earning assets | $119,766,600 | 4,265 |
| Average equity | $14,967,000 | 4,146 |
| Average total loans | $101,525,200 | 3,905 |