Home > Intracoastal Bank > Performance and Condition Ratios
Intracoastal 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 | 5.0542% | 1,964 |
| Cost of funding earning assets | 1.4458% | 2,088 |
| Net interest margin | 3.6084% | 1,948 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.9958% | 3,646 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.6481% | 799 |
| Return on assets (ROA) | 1.6481% | 769 |
| Pretax return on assets | 1.6481% | 1,153 |
| Return on Equity (ROE) | 31.5200% | 160 |
| Retained earnings to average equity (ytd only) | 11.8953% | 645 |
| Net charge-offs to loans | -0.0006% | 3,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.8953% | 3,606 |
| Assets per employee ($millions) | 10.7028% | 583 |
| Cash dividends to net income (ytd only)* | 62.2565% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,202 |
| Loan loss allowance to noncurrent loans | 14,954.2857% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 3,749 |
| Noncurrent loans to loans | 0.0097% | 3,700 |
| Net loans and leases to total assets | 70.7100% | 1,735 |
| Net loans and leases to deposits | 79.8534% | 2,124 |
| Net loans and leases to core deposits | 95.6662% | 1,671 |
| Total domestic deposits to total assets | 88.5500% | 1,195 |
| Equity capital to assets | 6.0471% | 4,224 |
| Core capital (leverage) ratio | 10.1021% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4271% | 2,443 |
| Memoranda: | ||
| Average total assets | $495,286,000 | 1,739 |
| Average earning assets | $471,790,200 | 1,703 |
| Average equity | $25,901,000 | 2,466 |
| Average total loans | $346,755,600 | 1,621 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 1,849 |
| Cost of funding earning assets | 1.2803% | 2,198 |
| Net interest margin | 3.7079% | 1,760 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.0491% | 3,471 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6883% | 809 |
| Return on assets (ROA) | 1.6883% | 799 |
| Pretax return on assets | 1.6883% | 1,187 |
| Return on Equity (ROE) | 33.6200% | 175 |
| Retained earnings to average equity (ytd only) | 12.3957% | 902 |
| Net charge-offs to loans | -0.0008% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.8466% | 3,508 |
| Assets per employee ($millions) | 11.0613% | 490 |
| Cash dividends to net income (ytd only)* | 63.1343% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 1,238 |
| Loan loss allowance to noncurrent loans | 6,124.7059% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 3,659 |
| Noncurrent loans to loans | 0.0237% | 3,599 |
| Net loans and leases to total assets | 70.8600% | 1,723 |
| Net loans and leases to deposits | 77.8533% | 2,261 |
| Net loans and leases to core deposits | 88.2727% | 2,035 |
| Total domestic deposits to total assets | 91.0200% | 665 |
| Equity capital to assets | 4.5196% | 4,331 |
| Core capital (leverage) ratio | 9.4523% | 3,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8907% | 2,641 |
| Memoranda: | ||
| Average total assets | $493,349,750 | 1,743 |
| Average earning assets | $469,791,750 | 1,709 |
| Average equity | $24,771,500 | 2,517 |
| Average total loans | $343,208,500 | 1,630 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8891% | 1,786 |
| Cost of funding earning assets | 1.0845% | 2,341 |
| Net interest margin | 3.8045% | 1,611 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.0493% | 3,464 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.7281% | 743 |
| Return on assets (ROA) | 1.7281% | 745 |
| Pretax return on assets | 1.7281% | 1,152 |
| Return on Equity (ROE) | 33.2900% | 167 |
| Retained earnings to average equity (ytd only) | 11.3123% | 1,125 |
| Net charge-offs to loans | -0.0012% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.5999% | 3,646 |
| Assets per employee ($millions) | 10.9294% | 519 |
| Cash dividends to net income (ytd only)* | 66.0235% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 1,156 |
| Loan loss allowance to noncurrent loans | 14,900.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 3,789 |
| Noncurrent loans to loans | 0.0101% | 3,712 |
| Net loans and leases to total assets | 69.2800% | 1,821 |
| Net loans and leases to deposits | 77.0475% | 2,213 |
| Net loans and leases to core deposits | 88.5569% | 1,890 |
| Total domestic deposits to total assets | 89.9100% | 946 |
| Equity capital to assets | 5.0809% | 4,371 |
| Core capital (leverage) ratio | 9.4759% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8612% | 2,667 |
| Memoranda: | ||
| Average total assets | $491,879,667 | 1,743 |
| Average earning assets | $468,597,333 | 1,715 |
| Average equity | $25,529,667 | 2,491 |
| Average total loans | $338,300,333 | 1,636 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 1,617 |
| Cost of funding earning assets | 0.8813% | 2,432 |
| Net interest margin | 3.9180% | 1,441 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.0614% | 3,472 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.8207% | 645 |
| Return on assets (ROA) | 1.8207% | 632 |
| Pretax return on assets | 1.8207% | 1,034 |
| Return on Equity (ROE) | 34.7100% | 162 |
| Retained earnings to average equity (ytd only) | 8.6202% | 2,050 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.3220% | 3,750 |
| Assets per employee ($millions) | 10.7684% | 554 |
| Cash dividends to net income (ytd only)* | 75.1675% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,115 |
| Loan loss allowance to noncurrent loans | 14,922.8571% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 3,809 |
| Noncurrent loans to loans | 0.0104% | 3,749 |
| Net loans and leases to total assets | 66.8900% | 1,956 |
| Net loans and leases to deposits | 71.5661% | 2,502 |
| Net loans and leases to core deposits | 80.0506% | 2,249 |
| Total domestic deposits to total assets | 93.4700% | 236 |
| Equity capital to assets | 5.4445% | 4,352 |
| Core capital (leverage) ratio | 9.3796% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8941% | 2,758 |
| Memoranda: | ||
| Average total assets | $491,907,500 | 1,760 |
| Average earning assets | $468,405,500 | 1,731 |
| Average equity | $25,800,000 | 2,495 |
| Average total loans | $334,482,500 | 1,666 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 1,702 |
| Cost of funding earning assets | 0.2485% | 3,335 |
| Net interest margin | 3.7575% | 1,248 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.8867% | 3,857 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.7680% | 471 |
| Return on assets (ROA) | 1.7680% | 452 |
| Pretax return on assets | 1.7680% | 787 |
| Return on Equity (ROE) | 31.4500% | 100 |
| Retained earnings to average equity (ytd only) | 6.8311% | 2,311 |
| Net charge-offs to loans | 0.0006% | 2,576 |
| Credit loss provision to net charge-offs | 27,150.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 4,915.0000% | 30 |
| Efficiency ratio | 50.2052% | 4,115 |
| Assets per employee ($millions) | 11.9139% | 397 |
| Cash dividends to net income (ytd only)* | 78.2815% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 1,059 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 66.9900% | 1,932 |
| Net loans and leases to deposits | 71.2301% | 2,467 |
| Net loans and leases to core deposits | 76.8715% | 2,362 |
| Total domestic deposits to total assets | 94.0400% | 238 |
| Equity capital to assets | 5.0425% | 4,355 |
| Core capital (leverage) ratio | 9.1463% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5391% | 2,555 |
| Memoranda: | ||
| Average total assets | $525,297,000 | 1,668 |
| Average earning assets | $501,470,600 | 1,620 |
| Average equity | $29,526,600 | 2,352 |
| Average total loans | $309,950,400 | 1,675 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7803% | 1,817 |
| Cost of funding earning assets | 0.1522% | 3,826 |
| Net interest margin | 3.6281% | 1,324 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.7828% | 4,012 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.7853% | 443 |
| Return on assets (ROA) | 1.7853% | 432 |
| Pretax return on assets | 1.7853% | 759 |
| Return on Equity (ROE) | 31.0300% | 91 |
| Retained earnings to average equity (ytd only) | 6.4604% | 2,569 |
| Net charge-offs to loans | 0.0009% | 2,294 |
| Credit loss provision to net charge-offs | 10,000.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 3,678.5000% | 31 |
| Efficiency ratio | 49.2761% | 4,199 |
| Assets per employee ($millions) | 13.4616% | 273 |
| Cash dividends to net income (ytd only)* | 79.1812% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 1,166 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 59.8700% | 2,517 |
| Net loans and leases to deposits | 63.3251% | 2,919 |
| Net loans and leases to core deposits | 66.4163% | 2,922 |
| Total domestic deposits to total assets | 94.5500% | 277 |
| Equity capital to assets | 4.7161% | 4,350 |
| Core capital (leverage) ratio | 8.4398% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3281% | 2,714 |
| Memoranda: | ||
| Average total assets | $534,503,750 | 1,663 |
| Average earning assets | $510,562,750 | 1,618 |
| Average equity | $30,750,500 | 2,334 |
| Average total loans | $304,342,250 | 1,694 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5554% | 1,976 |
| Cost of funding earning assets | 0.1375% | 3,739 |
| Net interest margin | 3.4179% | 1,548 |
| Noninterest income to average assets | 0.1350% | 4,334 |
| Noninterest expense to average assets | 1.7124% | 4,126 |
| Loan and lease loss provision to assets | 0.0457% | 1,753 |
| Net operating income to assets | 1.6405% | 497 |
| Return on assets (ROA) | 1.6405% | 489 |
| Pretax return on assets | 1.6405% | 866 |
| Return on Equity (ROE) | 26.9850% | 83 |
| Retained earnings to average equity (ytd only) | 4.0171% | 3,074 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3853% | 4,227 |
| Assets per employee ($millions) | 13.7554% | 249 |
| Cash dividends to net income (ytd only)* | 85.1136% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 1,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.2260% | 2,830 |
| Net loans and leases to deposits | 58.5843% | 3,173 |
| Net loans and leases to core deposits | 60.5137% | 3,236 |
| Total domestic deposits to total assets | 94.2675% | 240 |
| Equity capital to assets | 5.1553% | 4,444 |
| Core capital (leverage) ratio | 8.1873% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2803% | 2,733 |
| Memoranda: | ||
| Average total assets | $542,158,000 | 1,648 |
| Average earning assets | $517,685,333 | 1,616 |
| Average equity | $32,959,000 | 2,277 |
| Average total loans | $302,090,333 | 1,697 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4250% | 2,017 |
| Cost of funding earning assets | 0.1401% | 3,631 |
| Net interest margin | 3.2849% | 1,604 |
| Noninterest income to average assets | 0.1331% | 4,349 |
| Noninterest expense to average assets | 1.7431% | 4,065 |
| Loan and lease loss provision to assets | 0.0691% | 1,186 |
| Net operating income to assets | 1.4576% | 699 |
| Return on assets (ROA) | 1.4576% | 694 |
| Pretax return on assets | 1.4576% | 1,110 |
| Return on Equity (ROE) | 21.0261% | 198 |
| Retained earnings to average equity (ytd only) | -9.3283% | 4,548 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3076% | 4,101 |
| Assets per employee ($millions) | 13.4525% | 282 |
| Cash dividends to net income (ytd only)* | 144.3651% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 1,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 53.8413% | 2,780 |
| Net loans and leases to deposits | 57.4375% | 3,129 |
| Net loans and leases to core deposits | 59.7532% | 3,170 |
| Total domestic deposits to total assets | 93.7390% | 138 |
| Equity capital to assets | 5.7351% | 4,632 |
| Core capital (leverage) ratio | 8.0238% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9099% | 2,911 |
| Memoranda: | ||
| Average total assets | $538,130,000 | 1,669 |
| Average earning assets | $513,862,500 | 1,640 |
| Average equity | $37,306,000 | 2,161 |
| Average total loans | $298,828,500 | 1,706 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5947% | 2,407 |
| Cost of funding earning assets | 0.2233% | 3,218 |
| Net interest margin | 3.3714% | 2,110 |
| Noninterest income to average assets | 0.1274% | 4,507 |
| Noninterest expense to average assets | 1.7975% | 4,150 |
| Loan and lease loss provision to assets | 0.0763% | 1,591 |
| Net operating income to assets | 1.4825% | 1,055 |
| Return on assets (ROA) | 1.4814% | 1,111 |
| Pretax return on assets | 1.4814% | 1,787 |
| Return on Equity (ROE) | 17.5777% | 507 |
| Retained earnings to average equity (ytd only) | 7.8205% | 1,609 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5542% | 3,979 |
| Assets per employee ($millions) | 12.4930% | 354 |
| Cash dividends to net income (ytd only)* | 55.5088% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 1,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 55.5248% | 2,674 |
| Net loans and leases to deposits | 60.9368% | 2,996 |
| Net loans and leases to core deposits | 63.5954% | 3,019 |
| Total domestic deposits to total assets | 91.1186% | 455 |
| Equity capital to assets | 8.1913% | 4,238 |
| Core capital (leverage) ratio | 8.2612% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7610% | 2,712 |
| Memoranda: | ||
| Average total assets | $513,444,400 | 1,668 |
| Average earning assets | $491,753,200 | 1,634 |
| Average equity | $43,270,800 | 1,968 |
| Average total loans | $287,253,400 | 1,755 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6038% | 2,548 |
| Cost of funding earning assets | 0.2433% | 3,180 |
| Net interest margin | 3.3605% | 2,268 |
| Noninterest income to average assets | 0.1253% | 4,564 |
| Noninterest expense to average assets | 1.7836% | 4,199 |
| Loan and lease loss provision to assets | 0.0854% | 1,397 |
| Net operating income to assets | 1.4768% | 1,324 |
| Return on assets (ROA) | 1.4753% | 1,376 |
| Pretax return on assets | 1.4753% | 2,063 |
| Return on Equity (ROE) | 17.3801% | 710 |
| Retained earnings to average equity (ytd only) | 7.0659% | 2,394 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3089% | 3,895 |
| Assets per employee ($millions) | 13.1140% | 296 |
| Cash dividends to net income (ytd only)* | 59.3451% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,434 |
| Loan loss allowance to noncurrent loans | 8,453.7037% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 4,160 |
| Noncurrent loans to loans | 0.0185% | 4,064 |
| Net loans and leases to total assets | 56.2885% | 2,697 |
| Net loans and leases to deposits | 62.1074% | 3,028 |
| Net loans and leases to core deposits | 64.8669% | 3,055 |
| Total domestic deposits to total assets | 90.6309% | 495 |
| Equity capital to assets | 8.6873% | 4,079 |
| Core capital (leverage) ratio | 8.4184% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0976% | 2,679 |
| Memoranda: | ||
| Average total assets | $510,629,000 | 1,691 |
| Average earning assets | $489,360,500 | 1,650 |
| Average equity | $43,343,500 | 1,993 |
| Average total loans | $285,074,000 | 1,799 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5782% | 2,691 |
| Cost of funding earning assets | 0.2564% | 3,231 |
| Net interest margin | 3.3218% | 2,375 |
| Noninterest income to average assets | 0.1203% | 4,597 |
| Noninterest expense to average assets | 1.7772% | 4,233 |
| Loan and lease loss provision to assets | 0.0141% | 2,674 |
| Net operating income to assets | 1.5225% | 1,237 |
| Return on assets (ROA) | 1.5221% | 1,304 |
| Pretax return on assets | 1.5221% | 1,954 |
| Return on Equity (ROE) | 18.0731% | 642 |
| Retained earnings to average equity (ytd only) | 6.4959% | 2,627 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6306% | 3,849 |
| Assets per employee ($millions) | 12.8601% | 289 |
| Cash dividends to net income (ytd only)* | 64.0577% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 1,414 |
| Loan loss allowance to noncurrent loans | 1,161.1413% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,746 |
| Noncurrent loans to loans | 0.1337% | 3,520 |
| Net loans and leases to total assets | 51.3839% | 3,409 |
| Net loans and leases to deposits | 57.0971% | 3,627 |
| Net loans and leases to core deposits | 59.6064% | 3,650 |
| Total domestic deposits to total assets | 89.9940% | 780 |
| Equity capital to assets | 8.2541% | 4,393 |
| Core capital (leverage) ratio | 8.3628% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3488% | 2,597 |
| Memoranda: | ||
| Average total assets | $510,356,333 | 1,673 |
| Average earning assets | $490,631,333 | 1,634 |
| Average equity | $42,981,000 | 1,997 |
| Average total loans | $282,615,000 | 1,819 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3997% | 3,195 |
| Cost of funding earning assets | 0.2704% | 3,271 |
| Net interest margin | 3.1293% | 2,907 |
| Noninterest income to average assets | 0.1148% | 4,611 |
| Noninterest expense to average assets | 1.6593% | 4,451 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4808% | 1,376 |
| Return on assets (ROA) | 1.4808% | 1,438 |
| Pretax return on assets | 1.4808% | 2,046 |
| Return on Equity (ROE) | 17.4007% | 794 |
| Retained earnings to average equity (ytd only) | 2.9313% | 3,806 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8426% | 3,930 |
| Assets per employee ($millions) | 13.0048% | 283 |
| Cash dividends to net income (ytd only)* | 83.1539% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,736 |
| Loan loss allowance to noncurrent loans | 7,846.2963% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 4,312 |
| Noncurrent loans to loans | 0.0186% | 4,195 |
| Net loans and leases to total assets | 54.9762% | 3,146 |
| Net loans and leases to deposits | 63.0318% | 3,218 |
| Net loans and leases to core deposits | 66.4216% | 3,207 |
| Total domestic deposits to total assets | 87.2199% | 2,213 |
| Equity capital to assets | 8.0770% | 4,446 |
| Core capital (leverage) ratio | 8.7931% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3876% | 2,533 |
| Memoranda: | ||
| Average total assets | $501,902,500 | 1,687 |
| Average earning assets | $485,223,500 | 1,632 |
| Average equity | $42,711,000 | 1,998 |
| Average total loans | $286,321,500 | 1,802 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 2,964 |
| Cost of funding earning assets | 0.4176% | 3,478 |
| Net interest margin | 3.5057% | 2,456 |
| Noninterest income to average assets | 0.1265% | 4,643 |
| Noninterest expense to average assets | 1.6142% | 4,690 |
| Loan and lease loss provision to assets | 0.2757% | 1,392 |
| Net operating income to assets | 1.6071% | 626 |
| Return on assets (ROA) | 1.6036% | 690 |
| Pretax return on assets | 1.6036% | 1,071 |
| Return on Equity (ROE) | 18.3637% | 310 |
| Retained earnings to average equity (ytd only) | 8.3601% | 957 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1596% | 4,714 |
| Assets per employee ($millions) | 12.0903% | 316 |
| Cash dividends to net income (ytd only)* | 54.4745% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,584 |
| Loan loss allowance to noncurrent loans | 7,846.2963% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,373 |
| Noncurrent loans to loans | 0.0191% | 4,268 |
| Net loans and leases to total assets | 57.5226% | 3,144 |
| Net loans and leases to deposits | 67.0211% | 3,181 |
| Net loans and leases to core deposits | 71.5695% | 3,120 |
| Total domestic deposits to total assets | 85.8277% | 2,444 |
| Equity capital to assets | 8.9754% | 4,078 |
| Core capital (leverage) ratio | 8.8481% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9528% | 2,251 |
| Memoranda: | ||
| Average total assets | $423,673,800 | 1,787 |
| Average earning assets | $407,336,200 | 1,741 |
| Average equity | $36,997,000 | 2,131 |
| Average total loans | $266,260,400 | 1,846 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 2,928 |
| Cost of funding earning assets | 0.4526% | 3,515 |
| Net interest margin | 3.5627% | 2,386 |
| Noninterest income to average assets | 0.1276% | 4,652 |
| Noninterest expense to average assets | 1.5757% | 4,751 |
| Loan and lease loss provision to assets | 0.3492% | 1,085 |
| Net operating income to assets | 1.6237% | 687 |
| Return on assets (ROA) | 1.6175% | 762 |
| Pretax return on assets | 1.6175% | 1,138 |
| Return on Equity (ROE) | 18.6765% | 315 |
| Retained earnings to average equity (ytd only) | 5.7145% | 2,232 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4056% | 4,776 |
| Assets per employee ($millions) | 12.3625% | 301 |
| Cash dividends to net income (ytd only)* | 69.4030% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,374 |
| Loan loss allowance to noncurrent loans | 7,664.8148% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 4,445 |
| Noncurrent loans to loans | 0.0196% | 4,338 |
| Net loans and leases to total assets | 56.2314% | 3,600 |
| Net loans and leases to deposits | 65.0356% | 3,698 |
| Net loans and leases to core deposits | 69.3413% | 3,673 |
| Total domestic deposits to total assets | 86.4625% | 1,876 |
| Equity capital to assets | 8.3143% | 4,569 |
| Core capital (leverage) ratio | 8.4970% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9373% | 2,929 |
| Memoranda: | ||
| Average total assets | $408,689,000 | 1,812 |
| Average earning assets | $392,431,250 | 1,770 |
| Average equity | $35,394,750 | 2,195 |
| Average total loans | $262,219,500 | 1,849 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2386% | 2,640 |
| Cost of funding earning assets | 0.5104% | 3,475 |
| Net interest margin | 3.7282% | 2,056 |
| Noninterest income to average assets | 0.1338% | 4,637 |
| Noninterest expense to average assets | 1.5601% | 4,809 |
| Loan and lease loss provision to assets | 0.4737% | 791 |
| Net operating income to assets | 1.6741% | 643 |
| Return on assets (ROA) | 1.6673% | 716 |
| Pretax return on assets | 1.6673% | 1,060 |
| Return on Equity (ROE) | 18.9353% | 309 |
| Retained earnings to average equity (ytd only) | 3.1096% | 3,339 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0750% | 4,863 |
| Assets per employee ($millions) | 12.4381% | 287 |
| Cash dividends to net income (ytd only)* | 83.5779% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 1,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 61.2253% | 3,193 |
| Net loans and leases to deposits | 70.9139% | 3,353 |
| Net loans and leases to core deposits | 76.2050% | 3,266 |
| Total domestic deposits to total assets | 86.3374% | 1,873 |
| Equity capital to assets | 8.1930% | 4,639 |
| Core capital (leverage) ratio | 8.5882% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5596% | 3,075 |
| Memoranda: | ||
| Average total assets | $384,206,667 | 1,871 |
| Average earning assets | $368,328,667 | 1,825 |
| Average equity | $33,831,000 | 2,266 |
| Average total loans | $257,875,667 | 1,856 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5273% | 2,228 |
| Cost of funding earning assets | 0.6400% | 3,224 |
| Net interest margin | 3.8873% | 1,709 |
| Noninterest income to average assets | 0.1510% | 4,616 |
| Noninterest expense to average assets | 1.9318% | 4,512 |
| Loan and lease loss provision to assets | 0.1793% | 1,660 |
| Net operating income to assets | 1.7558% | 449 |
| Return on assets (ROA) | 1.7434% | 511 |
| Pretax return on assets | 1.7434% | 785 |
| Return on Equity (ROE) | 18.9609% | 212 |
| Retained earnings to average equity (ytd only) | -4.6785% | 4,496 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9560% | 4,667 |
| Assets per employee ($millions) | 9.7442% | 418 |
| Cash dividends to net income (ytd only)* | 124.6745% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 69.6480% | 2,301 |
| Net loans and leases to deposits | 77.1542% | 2,958 |
| Net loans and leases to core deposits | 84.0773% | 2,845 |
| Total domestic deposits to total assets | 90.2712% | 249 |
| Equity capital to assets | 9.0909% | 4,541 |
| Core capital (leverage) ratio | 8.7355% | 4,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3258% | 3,269 |
| Memoranda: | ||
| Average total assets | $352,424,500 | 1,950 |
| Average earning assets | $336,890,000 | 1,909 |
| Average equity | $32,403,500 | 2,335 |
| Average total loans | $247,749,500 | 1,880 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 2,326 |
| Cost of funding earning assets | 0.6623% | 3,348 |
| Net interest margin | 4.0380% | 1,717 |
| Noninterest income to average assets | 0.1495% | 4,743 |
| Noninterest expense to average assets | 2.0292% | 4,484 |
| Loan and lease loss provision to assets | 0.0939% | 2,158 |
| Net operating income to assets | 1.8809% | 448 |
| Return on assets (ROA) | 1.8800% | 469 |
| Pretax return on assets | 1.8800% | 779 |
| Return on Equity (ROE) | 20.3705% | 196 |
| Retained earnings to average equity (ytd only) | 1.7746% | 4,097 |
| Net charge-offs to loans | 0.0654% | 2,160 |
| Credit loss provision to net charge-offs | 210.6667% | 1,263 |
| Earnings coverage of net charge-offs (x) | 44.2933% | 1,222 |
| Efficiency ratio | 50.6792% | 4,697 |
| Assets per employee ($millions) | 9.5643% | 404 |
| Cash dividends to net income (ytd only)* | 91.2885% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,058 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 69.1513% | 2,523 |
| Net loans and leases to deposits | 76.8323% | 3,103 |
| Net loans and leases to core deposits | 83.5748% | 2,994 |
| Total domestic deposits to total assets | 90.0030% | 316 |
| Equity capital to assets | 9.3029% | 4,490 |
| Core capital (leverage) ratio | 9.0785% | 4,460 |
| Tier 1 risk-based capital ratio | 10.9054% | 4,885 |
| Total risk-based capital ratio | 11.9788% | 4,866 |
| Memoranda: | ||
| Average total assets | $336,430,600 | 1,954 |
| Average earning assets | $321,145,200 | 1,917 |
| Average equity | $31,049,800 | 2,337 |
| Average total loans | $229,468,400 | 1,960 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 2,406 |
| Cost of funding earning assets | 0.6629% | 3,382 |
| Net interest margin | 4.0414% | 1,799 |
| Noninterest income to average assets | 0.1487% | 4,803 |
| Noninterest expense to average assets | 2.0694% | 4,410 |
| Loan and lease loss provision to assets | 0.0698% | 2,481 |
| Net operating income to assets | 1.8664% | 543 |
| Return on assets (ROA) | 1.8652% | 567 |
| Pretax return on assets | 1.8652% | 946 |
| Return on Equity (ROE) | 20.2519% | 236 |
| Retained earnings to average equity (ytd only) | -1.4283% | 4,893 |
| Net charge-offs to loans | 0.0883% | 1,586 |
| Credit loss provision to net charge-offs | 116.6667% | 2,003 |
| Earnings coverage of net charge-offs (x) | 32.3792% | 1,563 |
| Efficiency ratio | 51.6620% | 4,627 |
| Assets per employee ($millions) | 9.4093% | 416 |
| Cash dividends to net income (ytd only)* | 107.0528% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.1491% | 2,768 |
| Net loans and leases to deposits | 75.6938% | 3,325 |
| Net loans and leases to core deposits | 82.4717% | 3,216 |
| Total domestic deposits to total assets | 90.0326% | 279 |
| Equity capital to assets | 9.2869% | 4,604 |
| Core capital (leverage) ratio | 8.9501% | 4,671 |
| Tier 1 risk-based capital ratio | 10.8739% | 4,962 |
| Total risk-based capital ratio | 11.9248% | 4,945 |
| Memoranda: | ||
| Average total assets | $334,460,000 | 1,973 |
| Average earning assets | $319,187,500 | 1,935 |
| Average equity | $30,804,500 | 2,364 |
| Average total loans | $226,544,000 | 1,998 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7007% | 2,357 |
| Cost of funding earning assets | 0.6558% | 3,376 |
| Net interest margin | 4.0449% | 1,786 |
| Noninterest income to average assets | 0.1435% | 4,850 |
| Noninterest expense to average assets | 2.0731% | 4,461 |
| Loan and lease loss provision to assets | 0.0673% | 2,469 |
| Net operating income to assets | 1.8629% | 528 |
| Return on assets (ROA) | 1.8629% | 551 |
| Pretax return on assets | 1.8629% | 905 |
| Return on Equity (ROE) | 20.2833% | 240 |
| Retained earnings to average equity (ytd only) | -7.4673% | 5,126 |
| Net charge-offs to loans | 0.1338% | 1,127 |
| Credit loss provision to net charge-offs | 74.6667% | 2,284 |
| Earnings coverage of net charge-offs (x) | 21.4267% | 1,734 |
| Efficiency ratio | 51.7852% | 4,667 |
| Assets per employee ($millions) | 9.3087% | 415 |
| Cash dividends to net income (ytd only)* | 136.8150% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 2,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 66.8706% | 2,992 |
| Net loans and leases to deposits | 74.0702% | 3,512 |
| Net loans and leases to core deposits | 80.5518% | 3,381 |
| Total domestic deposits to total assets | 90.2800% | 248 |
| Equity capital to assets | 9.1032% | 4,738 |
| Core capital (leverage) ratio | 8.8359% | 4,765 |
| Tier 1 risk-based capital ratio | 10.8726% | 4,968 |
| Total risk-based capital ratio | 11.9291% | 4,957 |
| Memoranda: | ||
| Average total assets | $333,035,000 | 1,992 |
| Average earning assets | $317,783,670 | 1,954 |
| Average equity | $30,586,670 | 2,375 |
| Average total loans | $224,134,330 | 2,019 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6951% | 2,244 |
| Cost of funding earning assets | 0.6516% | 3,314 |
| Net interest margin | 4.0435% | 1,708 |
| Noninterest income to average assets | 0.1361% | 4,915 |
| Noninterest expense to average assets | 2.0530% | 4,546 |
| Loan and lease loss provision to assets | 0.0916% | 1,888 |
| Net operating income to assets | 1.8494% | 509 |
| Return on assets (ROA) | 1.8494% | 523 |
| Pretax return on assets | 1.8494% | 874 |
| Return on Equity (ROE) | 20.0477% | 262 |
| Retained earnings to average equity (ytd only) | 20.0477% | 105 |
| Net charge-offs to loans | 0.2694% | 548 |
| Credit loss provision to net charge-offs | 50.6667% | 1,972 |
| Earnings coverage of net charge-offs (x) | 10.7400% | 1,947 |
| Efficiency ratio | 51.4027% | 4,737 |
| Assets per employee ($millions) | 9.1264% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,309 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 66.0541% | 3,043 |
| Net loans and leases to deposits | 73.6184% | 3,477 |
| Net loans and leases to core deposits | 79.2522% | 3,427 |
| Total domestic deposits to total assets | 89.7251% | 554 |
| Equity capital to assets | 9.4674% | 4,289 |
| Core capital (leverage) ratio | 9.6947% | 3,924 |
| Tier 1 risk-based capital ratio | 11.7889% | 4,573 |
| Total risk-based capital ratio | 12.8260% | 4,584 |
| Memoranda: | ||
| Average total assets | $331,996,000 | 2,015 |
| Average earning assets | $316,754,500 | 1,970 |
| Average equity | $30,627,000 | 2,376 |
| Average total loans | $222,723,000 | 2,047 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 2,373 |
| Cost of funding earning assets | 0.5405% | 3,109 |
| Net interest margin | 3.9884% | 2,023 |
| Noninterest income to average assets | 0.1476% | 4,973 |
| Noninterest expense to average assets | 2.0517% | 4,649 |
| Loan and lease loss provision to assets | 0.1020% | 2,154 |
| Net operating income to assets | 1.7948% | 555 |
| Return on assets (ROA) | 1.7966% | 548 |
| Pretax return on assets | 1.7966% | 932 |
| Return on Equity (ROE) | 21.2507% | 187 |
| Retained earnings to average equity (ytd only) | 8.9711% | 879 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9622% | 4,799 |
| Assets per employee ($millions) | 9.0643% | 456 |
| Cash dividends to net income (ytd only)* | 57.7846% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 1,941 |
| Loan loss allowance to noncurrent loans | 1,935.3333% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 4,620 |
| Noncurrent loans to loans | 0.0683% | 4,448 |
| Net loans and leases to total assets | 66.3973% | 3,072 |
| Net loans and leases to deposits | 73.6217% | 3,534 |
| Net loans and leases to core deposits | 78.5118% | 3,539 |
| Total domestic deposits to total assets | 90.1871% | 417 |
| Equity capital to assets | 8.9744% | 4,601 |
| Core capital (leverage) ratio | 9.2890% | 4,362 |
| Tier 1 risk-based capital ratio | 11.5379% | 4,707 |
| Total risk-based capital ratio | 12.6317% | 4,684 |
| Memoranda: | ||
| Average total assets | $324,611,600 | 2,025 |
| Average earning assets | $309,348,000 | 1,976 |
| Average equity | $27,443,800 | 2,487 |
| Average total loans | $208,484,000 | 2,110 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4498% | 2,463 |
| Cost of funding earning assets | 0.4859% | 3,283 |
| Net interest margin | 3.9638% | 2,075 |
| Noninterest income to average assets | 0.1476% | 5,036 |
| Noninterest expense to average assets | 2.0671% | 4,610 |
| Loan and lease loss provision to assets | 0.1102% | 1,834 |
| Net operating income to assets | 1.7479% | 667 |
| Return on assets (ROA) | 1.7504% | 668 |
| Pretax return on assets | 1.7504% | 1,139 |
| Return on Equity (ROE) | 21.0296% | 208 |
| Retained earnings to average equity (ytd only) | 4.3779% | 3,570 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6614% | 4,739 |
| Assets per employee ($millions) | 9.0994% | 436 |
| Cash dividends to net income (ytd only)* | 79.1824% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 1,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 64.6191% | 3,350 |
| Net loans and leases to deposits | 72.8465% | 3,691 |
| Net loans and leases to core deposits | 77.5295% | 3,696 |
| Total domestic deposits to total assets | 88.7059% | 954 |
| Equity capital to assets | 8.0640% | 5,154 |
| Core capital (leverage) ratio | 8.9960% | 4,708 |
| Tier 1 risk-based capital ratio | 11.0295% | 5,023 |
| Total risk-based capital ratio | 12.1080% | 5,005 |
| Memoranda: | ||
| Average total assets | $324,185,500 | 2,032 |
| Average earning assets | $308,952,250 | 1,986 |
| Average equity | $26,983,500 | 2,520 |
| Average total loans | $205,713,000 | 2,143 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 2,452 |
| Cost of funding earning assets | 0.4443% | 3,389 |
| Net interest margin | 3.9463% | 2,045 |
| Noninterest income to average assets | 0.1511% | 5,068 |
| Noninterest expense to average assets | 2.0733% | 4,670 |
| Loan and lease loss provision to assets | 0.1213% | 1,625 |
| Net operating income to assets | 1.7180% | 700 |
| Return on assets (ROA) | 1.7223% | 693 |
| Pretax return on assets | 1.7223% | 1,161 |
| Return on Equity (ROE) | 20.4765% | 231 |
| Retained earnings to average equity (ytd only) | -4.3279% | 5,260 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9905% | 4,786 |
| Assets per employee ($millions) | 8.9345% | 461 |
| Cash dividends to net income (ytd only)* | 121.1359% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 2,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 63.8924% | 3,415 |
| Net loans and leases to deposits | 70.9689% | 3,782 |
| Net loans and leases to core deposits | 75.3278% | 3,788 |
| Total domestic deposits to total assets | 90.0286% | 564 |
| Equity capital to assets | 7.9738% | 5,231 |
| Core capital (leverage) ratio | 8.5135% | 5,100 |
| Tier 1 risk-based capital ratio | 10.7789% | 5,155 |
| Total risk-based capital ratio | 11.8613% | 5,124 |
| Memoranda: | ||
| Average total assets | $323,054,670 | 2,049 |
| Average earning assets | $307,930,330 | 2,001 |
| Average equity | $27,172,670 | 2,522 |
| Average total loans | $202,778,000 | 2,162 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 2,610 |
| Cost of funding earning assets | 0.4275% | 3,386 |
| Net interest margin | 3.8498% | 2,229 |
| Noninterest income to average assets | 0.1507% | 5,111 |
| Noninterest expense to average assets | 2.0200% | 4,808 |
| Loan and lease loss provision to assets | 0.1273% | 1,481 |
| Net operating income to assets | 1.6753% | 717 |
| Return on assets (ROA) | 1.6840% | 715 |
| Pretax return on assets | 1.6840% | 1,159 |
| Return on Equity (ROE) | 19.5164% | 286 |
| Retained earnings to average equity (ytd only) | 19.5164% | 111 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8442% | 4,897 |
| Assets per employee ($millions) | 9.5077% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 2,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 59.7615% | 3,774 |
| Net loans and leases to deposits | 65.6182% | 4,115 |
| Net loans and leases to core deposits | 69.2347% | 4,128 |
| Total domestic deposits to total assets | 91.0746% | 294 |
| Equity capital to assets | 8.4071% | 5,040 |
| Core capital (leverage) ratio | 9.2483% | 4,382 |
| Tier 1 risk-based capital ratio | 11.6219% | 4,791 |
| Total risk-based capital ratio | 12.6753% | 4,802 |
| Memoranda: | ||
| Average total assets | $323,761,500 | 2,058 |
| Average earning assets | $308,794,000 | 2,003 |
| Average equity | $27,935,500 | 2,497 |
| Average total loans | $200,031,000 | 2,197 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 2,134 |
| Cost of funding earning assets | 0.4677% | 2,619 |
| Net interest margin | 3.8962% | 2,096 |
| Noninterest income to average assets | 0.1574% | 5,177 |
| Noninterest expense to average assets | 1.9996% | 4,960 |
| Loan and lease loss provision to assets | 0.1298% | 1,767 |
| Net operating income to assets | 1.6778% | 552 |
| Return on assets (ROA) | 1.6860% | 554 |
| Pretax return on assets | 1.6860% | 1,040 |
| Return on Equity (ROE) | 19.1991% | 230 |
| Retained earnings to average equity (ytd only) | 8.5180% | 612 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5207% | 5,073 |
| Assets per employee ($millions) | 8.7432% | 488 |
| Cash dividends to net income (ytd only)* | 55.6335% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 2,238 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 62.2541% | 3,586 |
| Net loans and leases to deposits | 68.7486% | 3,968 |
| Net loans and leases to core deposits | 72.9915% | 3,972 |
| Total domestic deposits to total assets | 90.5533% | 376 |
| Equity capital to assets | 8.8624% | 4,847 |
| Core capital (leverage) ratio | 8.8840% | 4,771 |
| Tier 1 risk-based capital ratio | 11.6129% | 4,783 |
| Total risk-based capital ratio | 12.6741% | 4,780 |
| Memoranda: | ||
| Average total assets | $304,267,400 | 2,144 |
| Average earning assets | $285,024,000 | 2,129 |
| Average equity | $26,720,000 | 2,560 |
| Average total loans | $190,879,200 | 2,236 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3709% | 2,045 |
| Cost of funding earning assets | 0.4601% | 2,613 |
| Net interest margin | 3.9108% | 2,002 |
| Noninterest income to average assets | 0.1596% | 5,221 |
| Noninterest expense to average assets | 1.9926% | 4,968 |
| Loan and lease loss provision to assets | 0.1003% | 2,105 |
| Net operating income to assets | 1.7146% | 563 |
| Return on assets (ROA) | 1.7256% | 565 |
| Pretax return on assets | 1.7256% | 1,058 |
| Return on Equity (ROE) | 19.6971% | 236 |
| Retained earnings to average equity (ytd only) | 5.2976% | 2,687 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3334% | 5,073 |
| Assets per employee ($millions) | 9.4074% | 380 |
| Cash dividends to net income (ytd only)* | 73.1046% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 2,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 60.3762% | 3,819 |
| Net loans and leases to deposits | 66.4396% | 4,216 |
| Net loans and leases to core deposits | 70.8080% | 4,199 |
| Total domestic deposits to total assets | 90.8739% | 217 |
| Equity capital to assets | 8.5887% | 5,231 |
| Core capital (leverage) ratio | 8.7465% | 5,021 |
| Tier 1 risk-based capital ratio | 11.4210% | 5,001 |
| Total risk-based capital ratio | 12.4410% | 5,036 |
| Memoranda: | ||
| Average total assets | $301,645,500 | 2,175 |
| Average earning assets | $281,367,750 | 2,167 |
| Average equity | $26,426,250 | 2,605 |
| Average total loans | $188,969,000 | 2,261 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 1,656 |
| Cost of funding earning assets | 0.4542% | 2,566 |
| Net interest margin | 3.9989% | 1,610 |
| Noninterest income to average assets | 0.1644% | 5,233 |
| Noninterest expense to average assets | 2.0144% | 4,953 |
| Loan and lease loss provision to assets | 0.1204% | 1,714 |
| Net operating income to assets | 1.7295% | 526 |
| Return on assets (ROA) | 1.7464% | 518 |
| Pretax return on assets | 1.7464% | 959 |
| Return on Equity (ROE) | 19.7945% | 222 |
| Retained earnings to average equity (ytd only) | -2.0937% | 5,351 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1275% | 5,166 |
| Assets per employee ($millions) | 9.2093% | 390 |
| Cash dividends to net income (ytd only)* | 110.5773% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 2,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 62.3673% | 3,587 |
| Net loans and leases to deposits | 68.6595% | 4,015 |
| Net loans and leases to core deposits | 73.2908% | 3,996 |
| Total domestic deposits to total assets | 90.8357% | 260 |
| Equity capital to assets | 8.6724% | 5,174 |
| Core capital (leverage) ratio | 8.6003% | 5,143 |
| Tier 1 risk-based capital ratio | 11.0550% | 5,226 |
| Total risk-based capital ratio | 12.0724% | 5,261 |
| Memoranda: | ||
| Average total assets | $295,577,000 | 2,217 |
| Average earning assets | $273,475,670 | 2,212 |
| Average equity | $26,078,000 | 2,626 |
| Average total loans | $186,786,000 | 2,285 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 1,585 |
| Cost of funding earning assets | 0.4432% | 2,586 |
| Net interest margin | 3.9769% | 1,533 |
| Noninterest income to average assets | 0.1647% | 5,288 |
| Noninterest expense to average assets | 1.9999% | 5,053 |
| Loan and lease loss provision to assets | 0.2306% | 674 |
| Net operating income to assets | 1.6417% | 621 |
| Return on assets (ROA) | 1.6897% | 577 |
| Pretax return on assets | 1.6897% | 1,032 |
| Return on Equity (ROE) | 18.9830% | 287 |
| Retained earnings to average equity (ytd only) | 18.9830% | 125 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6484% | 5,282 |
| Assets per employee ($millions) | 9.3252% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 3,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 63.6634% | 3,315 |
| Net loans and leases to deposits | 70.3011% | 3,763 |
| Net loans and leases to core deposits | 74.6588% | 3,772 |
| Total domestic deposits to total assets | 90.5582% | 449 |
| Equity capital to assets | 9.0336% | 4,775 |
| Core capital (leverage) ratio | 9.3076% | 4,331 |
| Tier 1 risk-based capital ratio | 11.6783% | 4,927 |
| Total risk-based capital ratio | 12.6892% | 4,965 |
| Memoranda: | ||
| Average total assets | $291,412,500 | 2,252 |
| Average earning assets | $271,666,500 | 2,239 |
| Average equity | $25,939,000 | 2,643 |
| Average total loans | $184,232,500 | 2,324 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 2,720 |
| Cost of funding earning assets | 0.4576% | 2,471 |
| Net interest margin | 3.6763% | 2,793 |
| Noninterest income to average assets | 0.1578% | 5,423 |
| Noninterest expense to average assets | 1.9488% | 5,286 |
| Loan and lease loss provision to assets | 0.1163% | 2,128 |
| Net operating income to assets | 1.5084% | 818 |
| Return on assets (ROA) | 1.5350% | 801 |
| Pretax return on assets | 1.5350% | 1,475 |
| Return on Equity (ROE) | 17.1300% | 395 |
| Retained earnings to average equity (ytd only) | 9.1724% | 549 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5346% | 5,196 |
| Assets per employee ($millions) | 8.8881% | 437 |
| Cash dividends to net income (ytd only)* | 46.4541% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 2,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 61.1660% | 3,706 |
| Net loans and leases to deposits | 67.4309% | 4,136 |
| Net loans and leases to core deposits | 71.7378% | 4,096 |
| Total domestic deposits to total assets | 90.7091% | 385 |
| Equity capital to assets | 8.7621% | 5,055 |
| Core capital (leverage) ratio | 8.9141% | 4,839 |
| Tier 1 risk-based capital ratio | 11.4927% | 5,061 |
| Total risk-based capital ratio | 12.4690% | 5,107 |
| Memoranda: | ||
| Average total assets | $282,015,600 | 2,273 |
| Average earning assets | $262,029,600 | 2,268 |
| Average equity | $25,271,400 | 2,691 |
| Average total loans | $157,972,400 | 2,541 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 2,927 |
| Cost of funding earning assets | 0.4555% | 2,501 |
| Net interest margin | 3.6310% | 2,959 |
| Noninterest income to average assets | 0.1535% | 5,505 |
| Noninterest expense to average assets | 1.9804% | 5,244 |
| Loan and lease loss provision to assets | 0.0858% | 2,510 |
| Net operating income to assets | 1.4559% | 964 |
| Return on assets (ROA) | 1.4915% | 941 |
| Pretax return on assets | 1.4915% | 1,734 |
| Return on Equity (ROE) | 16.5512% | 486 |
| Retained earnings to average equity (ytd only) | 5.9780% | 2,194 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2281% | 5,040 |
| Assets per employee ($millions) | 9.8014% | 316 |
| Cash dividends to net income (ytd only)* | 63.8819% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 3,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 56.4282% | 4,263 |
| Net loans and leases to deposits | 62.4253% | 4,601 |
| Net loans and leases to core deposits | 66.1719% | 4,596 |
| Total domestic deposits to total assets | 90.3932% | 347 |
| Equity capital to assets | 9.1086% | 5,060 |
| Core capital (leverage) ratio | 8.5485% | 5,319 |
| Tier 1 risk-based capital ratio | 11.1791% | 5,271 |
| Total risk-based capital ratio | 12.1080% | 5,356 |
| Memoranda: | ||
| Average total assets | $281,415,000 | 2,283 |
| Average earning assets | $261,075,000 | 2,285 |
| Average equity | $25,359,000 | 2,702 |
| Average total loans | $153,429,500 | 2,599 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 3,033 |
| Cost of funding earning assets | 0.4531% | 2,541 |
| Net interest margin | 3.6051% | 3,082 |
| Noninterest income to average assets | 0.1493% | 5,554 |
| Noninterest expense to average assets | 1.9826% | 5,305 |
| Loan and lease loss provision to assets | 0.0808% | 2,522 |
| Net operating income to assets | 1.4444% | 981 |
| Return on assets (ROA) | 1.4913% | 949 |
| Pretax return on assets | 1.4913% | 1,692 |
| Return on Equity (ROE) | 16.6129% | 470 |
| Retained earnings to average equity (ytd only) | 0.4501% | 5,168 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5200% | 5,082 |
| Assets per employee ($millions) | 9.7690% | 303 |
| Cash dividends to net income (ytd only)* | 97.2908% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 3,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 54.4326% | 4,469 |
| Net loans and leases to deposits | 60.1971% | 4,786 |
| Net loans and leases to core deposits | 63.8112% | 4,759 |
| Total domestic deposits to total assets | 90.4240% | 339 |
| Equity capital to assets | 9.1249% | 5,135 |
| Core capital (leverage) ratio | 8.3421% | 5,498 |
| Tier 1 risk-based capital ratio | 11.3658% | 5,240 |
| Total risk-based capital ratio | 12.3207% | 5,304 |
| Memoranda: | ||
| Average total assets | $277,206,330 | 2,319 |
| Average earning assets | $258,243,000 | 2,310 |
| Average equity | $24,884,330 | 2,754 |
| Average total loans | $148,588,330 | 2,669 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 3,249 |
| Cost of funding earning assets | 0.4457% | 2,628 |
| Net interest margin | 3.5472% | 3,295 |
| Noninterest income to average assets | 0.1474% | 5,603 |
| Noninterest expense to average assets | 1.9828% | 5,374 |
| Loan and lease loss provision to assets | 0.0730% | 2,500 |
| Net operating income to assets | 1.4006% | 1,032 |
| Return on assets (ROA) | 1.4503% | 986 |
| Pretax return on assets | 1.4503% | 1,749 |
| Return on Equity (ROE) | 16.2944% | 505 |
| Retained earnings to average equity (ytd only) | 16.2944% | 181 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3660% | 5,067 |
| Assets per employee ($millions) | 9.1082% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 2,960 |
| 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 | 51.4163% | 4,688 |
| Net loans and leases to deposits | 56.7575% | 4,938 |
| Net loans and leases to core deposits | 59.8706% | 4,949 |
| Total domestic deposits to total assets | 90.5895% | 406 |
| Equity capital to assets | 9.0486% | 5,123 |
| Core capital (leverage) ratio | 8.8828% | 4,981 |
| Tier 1 risk-based capital ratio | 12.5137% | 4,566 |
| Total risk-based capital ratio | 13.4922% | 4,657 |
| Memoranda: | ||
| Average total assets | $274,159,000 | 2,351 |
| Average earning assets | $255,750,000 | 2,342 |
| Average equity | $24,401,000 | 2,794 |
| Average total loans | $144,797,500 | 2,717 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0140% | 3,262 |
| Cost of funding earning assets | 0.4672% | 2,462 |
| Net interest margin | 3.5468% | 3,342 |
| Noninterest income to average assets | 0.1612% | 5,616 |
| Noninterest expense to average assets | 2.0222% | 5,414 |
| Loan and lease loss provision to assets | 0.0877% | 2,545 |
| Net operating income to assets | 1.3578% | 1,126 |
| Return on assets (ROA) | 1.3856% | 1,109 |
| Pretax return on assets | 1.3856% | 1,955 |
| Return on Equity (ROE) | 15.9493% | 558 |
| Retained earnings to average equity (ytd only) | 8.5579% | 763 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3164% | 5,109 |
| Assets per employee ($millions) | 8.8655% | 400 |
| Cash dividends to net income (ytd only)* | 46.3428% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 2,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 52.8906% | 4,615 |
| Net loans and leases to deposits | 58.2883% | 4,896 |
| Net loans and leases to core deposits | 61.4682% | 4,902 |
| Total domestic deposits to total assets | 90.7397% | 360 |
| Equity capital to assets | 8.7429% | 5,354 |
| Core capital (leverage) ratio | 8.6788% | 5,238 |
| Tier 1 risk-based capital ratio | 12.4345% | 4,675 |
| Total risk-based capital ratio | 13.4307% | 4,742 |
| Memoranda: | ||
| Average total assets | $255,561,200 | 2,463 |
| Average earning assets | $238,241,400 | 2,442 |
| Average equity | $22,201,600 | 2,952 |
| Average total loans | $134,964,000 | 2,801 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 3,437 |
| Cost of funding earning assets | 0.4725% | 2,473 |
| Net interest margin | 3.5033% | 3,519 |
| Noninterest income to average assets | 0.1597% | 5,688 |
| Noninterest expense to average assets | 2.0256% | 5,430 |
| Loan and lease loss provision to assets | 0.0495% | 3,223 |
| Net operating income to assets | 1.3520% | 1,224 |
| Return on assets (ROA) | 1.3946% | 1,170 |
| Pretax return on assets | 1.3946% | 2,036 |
| Return on Equity (ROE) | 16.0807% | 582 |
| Retained earnings to average equity (ytd only) | 6.1078% | 2,177 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1049% | 4,994 |
| Assets per employee ($millions) | 8.8053% | 399 |
| Cash dividends to net income (ytd only)* | 62.0183% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 3,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 52.3287% | 4,723 |
| Net loans and leases to deposits | 57.6368% | 5,019 |
| Net loans and leases to core deposits | 60.4585% | 5,034 |
| Total domestic deposits to total assets | 90.7904% | 308 |
| Equity capital to assets | 8.6777% | 5,591 |
| Core capital (leverage) ratio | 8.5733% | 5,492 |
| Tier 1 risk-based capital ratio | 12.3935% | 4,827 |
| Total risk-based capital ratio | 13.3592% | 4,929 |
| Memoranda: | ||
| Average total assets | $252,960,500 | 2,503 |
| Average earning assets | $235,926,500 | 2,473 |
| Average equity | $21,938,750 | 2,996 |
| Average total loans | $133,075,000 | 2,851 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 3,493 |
| Cost of funding earning assets | 0.4802% | 2,430 |
| Net interest margin | 3.4692% | 3,622 |
| Noninterest income to average assets | 0.1589% | 5,757 |
| Noninterest expense to average assets | 2.0247% | 5,481 |
| Loan and lease loss provision to assets | 0.0177% | 3,779 |
| Net operating income to assets | 1.3514% | 1,189 |
| Return on assets (ROA) | 1.3779% | 1,175 |
| Pretax return on assets | 1.3779% | 2,072 |
| Return on Equity (ROE) | 15.8903% | 617 |
| Retained earnings to average equity (ytd only) | 0.7034% | 5,275 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6595% | 5,025 |
| Assets per employee ($millions) | 8.6493% | 415 |
| Cash dividends to net income (ytd only)* | 95.5737% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 3,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 52.5391% | 4,705 |
| Net loans and leases to deposits | 57.4349% | 5,030 |
| Net loans and leases to core deposits | 61.0720% | 5,000 |
| Total domestic deposits to total assets | 91.4760% | 185 |
| Equity capital to assets | 8.0534% | 5,962 |
| Core capital (leverage) ratio | 8.3173% | 5,701 |
| Tier 1 risk-based capital ratio | 11.8290% | 5,263 |
| Total risk-based capital ratio | 12.7505% | 5,385 |
| Memoranda: | ||
| Average total assets | $249,227,670 | 2,555 |
| Average earning assets | $232,387,000 | 2,523 |
| Average equity | $21,610,670 | 3,040 |
| Average total loans | $130,783,000 | 2,895 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 3,751 |
| Cost of funding earning assets | 0.4777% | 2,473 |
| Net interest margin | 3.3913% | 3,880 |
| Noninterest income to average assets | 0.1688% | 5,710 |
| Noninterest expense to average assets | 2.0057% | 5,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3273% | 1,191 |
| Return on assets (ROA) | 1.3224% | 1,285 |
| Pretax return on assets | 1.3224% | 2,192 |
| Return on Equity (ROE) | 14.6944% | 754 |
| Retained earnings to average equity (ytd only) | 14.6944% | 310 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1770% | 5,072 |
| Assets per employee ($millions) | 8.3799% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 3,675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 50.9545% | 4,750 |
| Net loans and leases to deposits | 56.3591% | 5,027 |
| Net loans and leases to core deposits | 60.1029% | 4,989 |
| Total domestic deposits to total assets | 90.4104% | 559 |
| Equity capital to assets | 9.1759% | 5,119 |
| Core capital (leverage) ratio | 9.4855% | 4,301 |
| Tier 1 risk-based capital ratio | 13.0252% | 4,590 |
| Total risk-based capital ratio | 13.9932% | 4,682 |
| Memoranda: | ||
| Average total assets | $244,102,000 | 2,604 |
| Average earning assets | $227,760,000 | 2,577 |
| Average equity | $21,967,500 | 3,027 |
| Average total loans | $127,187,000 | 2,960 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0006% | 3,726 |
| Cost of funding earning assets | 0.5319% | 2,370 |
| Net interest margin | 3.4687% | 3,904 |
| Noninterest income to average assets | 0.1696% | 5,842 |
| Noninterest expense to average assets | 1.9478% | 5,862 |
| Loan and lease loss provision to assets | 0.0741% | 3,003 |
| Net operating income to assets | 1.3905% | 1,100 |
| Return on assets (ROA) | 1.3914% | 1,133 |
| Pretax return on assets | 1.3914% | 1,912 |
| Return on Equity (ROE) | 16.5935% | 539 |
| Retained earnings to average equity (ytd only) | 8.6843% | 777 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0801% | 5,556 |
| Assets per employee ($millions) | 9.1080% | 323 |
| Cash dividends to net income (ytd only)* | 47.6642% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 3,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 51.9520% | 4,791 |
| Net loans and leases to deposits | 57.3006% | 5,104 |
| Net loans and leases to core deposits | 60.4533% | 5,107 |
| Total domestic deposits to total assets | 90.6658% | 480 |
| Equity capital to assets | 8.8118% | 5,479 |
| Core capital (leverage) ratio | 9.1020% | 4,825 |
| Tier 1 risk-based capital ratio | 12.8369% | 4,831 |
| Total risk-based capital ratio | 13.8401% | 4,898 |
| Memoranda: | ||
| Average total assets | $219,986,800 | 2,784 |
| Average earning assets | $205,668,800 | 2,745 |
| Average equity | $18,447,000 | 3,352 |
| Average total loans | $114,668,400 | 3,130 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 3,691 |
| Cost of funding earning assets | 0.5461% | 2,328 |
| Net interest margin | 3.4733% | 3,931 |
| Noninterest income to average assets | 0.1712% | 5,900 |
| Noninterest expense to average assets | 1.9247% | 5,908 |
| Loan and lease loss provision to assets | 0.0606% | 3,152 |
| Net operating income to assets | 1.4360% | 1,057 |
| Return on assets (ROA) | 1.4082% | 1,157 |
| Pretax return on assets | 1.4082% | 1,979 |
| Return on Equity (ROE) | 17.0305% | 543 |
| Retained earnings to average equity (ytd only) | 6.1277% | 2,327 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2579% | 5,638 |
| Assets per employee ($millions) | 9.2257% | 309 |
| Cash dividends to net income (ytd only)* | 64.0192% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 3,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 52.1532% | 4,790 |
| Net loans and leases to deposits | 57.9719% | 5,101 |
| Net loans and leases to core deposits | 62.0075% | 5,033 |
| Total domestic deposits to total assets | 89.9628% | 747 |
| Equity capital to assets | 8.9745% | 5,381 |
| Core capital (leverage) ratio | 8.8713% | 5,230 |
| Tier 1 risk-based capital ratio | 12.7603% | 4,998 |
| Total risk-based capital ratio | 13.7587% | 5,101 |
| Memoranda: | ||
| Average total assets | $215,781,750 | 2,847 |
| Average earning assets | $201,919,000 | 2,804 |
| Average equity | $17,842,000 | 3,436 |
| Average total loans | $112,172,750 | 3,191 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9973% | 3,738 |
| Cost of funding earning assets | 0.5507% | 2,343 |
| Net interest margin | 3.4467% | 3,995 |
| Noninterest income to average assets | 0.1720% | 5,922 |
| Noninterest expense to average assets | 1.9298% | 5,951 |
| Loan and lease loss provision to assets | 0.0673% | 2,916 |
| Net operating income to assets | 1.4053% | 1,048 |
| Return on assets (ROA) | 1.3885% | 1,136 |
| Pretax return on assets | 1.3885% | 1,937 |
| Return on Equity (ROE) | 17.3020% | 522 |
| Retained earnings to average equity (ytd only) | 0.3029% | 5,604 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7189% | 5,681 |
| Assets per employee ($millions) | 9.5251% | 275 |
| Cash dividends to net income (ytd only)* | 98.2492% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 3,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 49.5945% | 5,003 |
| Net loans and leases to deposits | 54.2727% | 5,335 |
| Net loans and leases to core deposits | 58.1521% | 5,263 |
| Total domestic deposits to total assets | 91.3802% | 287 |
| Equity capital to assets | 8.1933% | 6,031 |
| Core capital (leverage) ratio | 8.8878% | 5,182 |
| Tier 1 risk-based capital ratio | 12.3739% | 5,316 |
| Total risk-based capital ratio | 13.3666% | 5,396 |
| Memoranda: | ||
| Average total assets | $213,903,330 | 2,877 |
| Average earning assets | $200,483,670 | 2,832 |
| Average equity | $17,165,670 | 3,524 |
| Average total loans | $110,551,670 | 3,232 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 3,440 |
| Cost of funding earning assets | 0.5653% | 2,287 |
| Net interest margin | 3.4934% | 3,727 |
| Noninterest income to average assets | 0.1704% | 5,950 |
| Noninterest expense to average assets | 1.9869% | 5,911 |
| Loan and lease loss provision to assets | 0.0600% | 2,907 |
| Net operating income to assets | 1.3904% | 1,002 |
| Return on assets (ROA) | 1.3459% | 1,151 |
| Pretax return on assets | 1.3459% | 1,931 |
| Return on Equity (ROE) | 16.9683% | 539 |
| Retained earnings to average equity (ytd only) | -18.6529% | 6,514 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8028% | 5,668 |
| Assets per employee ($millions) | 8.8810% | 346 |
| Cash dividends to net income (ytd only)* | 209.9281% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 3,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 51.0218% | 4,794 |
| Net loans and leases to deposits | 55.5891% | 5,147 |
| Net loans and leases to core deposits | 59.9725% | 5,039 |
| Total domestic deposits to total assets | 91.7840% | 302 |
| Equity capital to assets | 7.8257% | 6,161 |
| Core capital (leverage) ratio | 8.7644% | 5,305 |
| Tier 1 risk-based capital ratio | 12.3759% | 5,388 |
| Total risk-based capital ratio | 13.3844% | 5,482 |
| Memoranda: | ||
| Average total assets | $206,554,000 | 2,974 |
| Average earning assets | $193,165,500 | 2,930 |
| Average equity | $16,383,500 | 3,634 |
| Average total loans | $108,373,000 | 3,295 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 3,769 |
| Cost of funding earning assets | 0.5762% | 2,874 |
| Net interest margin | 3.5163% | 3,823 |
| Noninterest income to average assets | 0.1829% | 5,994 |
| Noninterest expense to average assets | 2.1351% | 5,759 |
| Loan and lease loss provision to assets | 0.1346% | 2,627 |
| Net operating income to assets | 1.2144% | 1,511 |
| Return on assets (ROA) | 1.4892% | 887 |
| Pretax return on assets | 1.4892% | 1,479 |
| Return on Equity (ROE) | 16.7997% | 523 |
| Retained earnings to average equity (ytd only) | 10.0763% | 555 |
| Net charge-offs to loans | -0.0020% | 5,852 |
| Credit loss provision to net charge-offs | -12,950.0000% | 6,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2826% | 5,315 |
| Assets per employee ($millions) | 9.5221% | 269 |
| Cash dividends to net income (ytd only)* | 40.0209% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 3,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 52.5290% | 4,784 |
| Net loans and leases to deposits | 57.4103% | 5,174 |
| Net loans and leases to core deposits | 60.8072% | 5,155 |
| Total domestic deposits to total assets | 91.4975% | 403 |
| Equity capital to assets | 8.0449% | 5,983 |
| Core capital (leverage) ratio | 9.4733% | 4,309 |
| Tier 1 risk-based capital ratio | 13.0478% | 4,938 |
| Total risk-based capital ratio | 14.0616% | 5,053 |
| Memoranda: | ||
| Average total assets | $192,446,600 | 3,116 |
| Average earning assets | $180,671,600 | 3,057 |
| Average equity | $17,059,800 | 3,556 |
| Average total loans | $99,374,400 | 3,460 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0543% | 3,918 |
| Cost of funding earning assets | 0.5712% | 3,077 |
| Net interest margin | 3.4830% | 3,955 |
| Noninterest income to average assets | 0.1798% | 6,120 |
| Noninterest expense to average assets | 2.1500% | 5,720 |
| Loan and lease loss provision to assets | 0.1035% | 3,035 |
| Net operating income to assets | 1.2027% | 1,626 |
| Return on assets (ROA) | 1.5700% | 843 |
| Pretax return on assets | 1.5700% | 1,415 |
| Return on Equity (ROE) | 17.2914% | 512 |
| Retained earnings to average equity (ytd only) | 8.4530% | 1,236 |
| Net charge-offs to loans | -0.0014% | 5,669 |
| Credit loss provision to net charge-offs | -14,800.0000% | 6,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2065% | 5,103 |
| Assets per employee ($millions) | 8.6471% | 362 |
| Cash dividends to net income (ytd only)* | 51.1142% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 51.0682% | 4,999 |
| Net loans and leases to deposits | 55.9189% | 5,381 |
| Net loans and leases to core deposits | 59.7377% | 5,318 |
| Total domestic deposits to total assets | 91.3256% | 408 |
| Equity capital to assets | 8.2209% | 5,986 |
| Core capital (leverage) ratio | 9.2322% | 4,787 |
| Tier 1 risk-based capital ratio | 12.9374% | 5,162 |
| Total risk-based capital ratio | 13.8979% | 5,308 |
| Memoranda: | ||
| Average total assets | $190,567,250 | 3,175 |
| Average earning assets | $179,264,000 | 3,108 |
| Average equity | $17,303,000 | 3,564 |
| Average total loans | $97,592,500 | 3,535 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 3,975 |
| Cost of funding earning assets | 0.5634% | 3,280 |
| Net interest margin | 3.4740% | 3,905 |
| Noninterest income to average assets | 0.1768% | 6,150 |
| Noninterest expense to average assets | 2.1236% | 5,818 |
| Loan and lease loss provision to assets | 0.1076% | 2,997 |
| Net operating income to assets | 1.2162% | 1,547 |
| Return on assets (ROA) | 1.7476% | 622 |
| Pretax return on assets | 1.7476% | 1,021 |
| Return on Equity (ROE) | 18.6259% | 417 |
| Retained earnings to average equity (ytd only) | 5.6071% | 2,670 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6002% | 5,231 |
| Assets per employee ($millions) | 8.8270% | 329 |
| Cash dividends to net income (ytd only)* | 69.8964% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 4,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 50.3777% | 5,069 |
| Net loans and leases to deposits | 55.2334% | 5,416 |
| Net loans and leases to core deposits | 59.8498% | 5,272 |
| Total domestic deposits to total assets | 91.2088% | 476 |
| Equity capital to assets | 8.4513% | 5,817 |
| Core capital (leverage) ratio | 9.2918% | 4,556 |
| Tier 1 risk-based capital ratio | 13.3725% | 4,860 |
| Total risk-based capital ratio | 14.3645% | 4,999 |
| Memoranda: | ||
| Average total assets | $187,795,330 | 3,233 |
| Average earning assets | $176,798,330 | 3,160 |
| Average equity | $17,620,670 | 3,536 |
| Average total loans | $95,817,670 | 3,595 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0816% | 3,794 |
| Cost of funding earning assets | 0.5660% | 3,417 |
| Net interest margin | 3.5156% | 3,633 |
| Noninterest income to average assets | 0.1734% | 6,220 |
| Noninterest expense to average assets | 2.1431% | 5,820 |
| Loan and lease loss provision to assets | 0.1907% | 1,929 |
| Net operating income to assets | 1.1506% | 1,670 |
| Return on assets (ROA) | 1.4908% | 952 |
| Pretax return on assets | 1.4908% | 1,585 |
| Return on Equity (ROE) | 15.1001% | 746 |
| Retained earnings to average equity (ytd only) | -10.0741% | 6,619 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5050% | 5,374 |
| Assets per employee ($millions) | 8.6392% | 372 |
| Cash dividends to net income (ytd only)* | 166.7151% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 4,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 50.4046% | 4,933 |
| Net loans and leases to deposits | 55.8164% | 5,264 |
| Net loans and leases to core deposits | 61.5353% | 4,996 |
| Total domestic deposits to total assets | 90.3042% | 874 |
| Equity capital to assets | 9.4485% | 4,926 |
| Core capital (leverage) ratio | 9.1456% | 4,645 |
| Tier 1 risk-based capital ratio | 14.0876% | 4,439 |
| Total risk-based capital ratio | 15.1819% | 4,516 |
| Memoranda: | ||
| Average total assets | $184,595,500 | 3,299 |
| Average earning assets | $173,855,500 | 3,221 |
| Average equity | $18,225,000 | 3,497 |
| Average total loans | $94,159,000 | 3,648 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 4,646 |
| Cost of funding earning assets | 0.6591% | 3,842 |
| Net interest margin | 3.5261% | 4,392 |
| Noninterest income to average assets | 0.1506% | 6,287 |
| Noninterest expense to average assets | 2.2326% | 5,850 |
| Loan and lease loss provision to assets | 0.0996% | 4,398 |
| Net operating income to assets | 1.1201% | 1,873 |
| Return on assets (ROA) | 1.2731% | 1,535 |
| Pretax return on assets | 1.2731% | 2,506 |
| Return on Equity (ROE) | 12.5617% | 1,345 |
| Retained earnings to average equity (ytd only) | 7.6458% | 1,261 |
| Net charge-offs to loans | -0.0024% | 6,336 |
| Credit loss provision to net charge-offs | -8,500.0000% | 6,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6689% | 4,764 |
| Assets per employee ($millions) | 8.1422% | 474 |
| Cash dividends to net income (ytd only)* | 39.1344% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 4,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 50.2576% | 5,136 |
| Net loans and leases to deposits | 56.3043% | 5,415 |
| Net loans and leases to core deposits | 61.4273% | 5,214 |
| Total domestic deposits to total assets | 89.2608% | 1,401 |
| Equity capital to assets | 10.3233% | 3,728 |
| Core capital (leverage) ratio | 9.5530% | 4,032 |
| Tier 1 risk-based capital ratio | 15.0357% | 3,698 |
| Total risk-based capital ratio | 16.1018% | 3,758 |
| Memoranda: | ||
| Average total assets | $170,607,000 | 3,444 |
| Average earning assets | $159,752,000 | 3,382 |
| Average equity | $17,290,600 | 3,575 |
| Average total loans | $83,161,200 | 3,936 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 4,791 |
| Cost of funding earning assets | 0.6740% | 3,984 |
| Net interest margin | 3.5347% | 4,506 |
| Noninterest income to average assets | 0.1417% | 6,436 |
| Noninterest expense to average assets | 2.1344% | 6,103 |
| Loan and lease loss provision to assets | 0.0546% | 5,063 |
| Net operating income to assets | 1.2607% | 1,539 |
| Return on assets (ROA) | 1.4751% | 1,184 |
| Pretax return on assets | 1.4751% | 1,982 |
| Return on Equity (ROE) | 14.6276% | 975 |
| Retained earnings to average equity (ytd only) | 7.9573% | 1,633 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8720% | 5,169 |
| Assets per employee ($millions) | 7.9332% | 494 |
| Cash dividends to net income (ytd only)* | 45.6011% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 4,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 47.2440% | 5,632 |
| Net loans and leases to deposits | 52.9886% | 5,891 |
| Net loans and leases to core deposits | 59.0512% | 5,651 |
| Total domestic deposits to total assets | 89.1589% | 1,334 |
| Equity capital to assets | 10.5145% | 3,825 |
| Core capital (leverage) ratio | 9.5578% | 4,182 |
| Tier 1 risk-based capital ratio | 16.0948% | 3,220 |
| Total risk-based capital ratio | 17.1588% | 3,289 |
| Memoranda: | ||
| Average total assets | $168,476,500 | 3,515 |
| Average earning assets | $157,671,250 | 3,454 |
| Average equity | $16,990,250 | 3,657 |
| Average total loans | $81,144,500 | 4,048 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 4,832 |
| Cost of funding earning assets | 0.6826% | 4,162 |
| Net interest margin | 3.5529% | 4,455 |
| Noninterest income to average assets | 0.1286% | 6,543 |
| Noninterest expense to average assets | 2.1423% | 6,148 |
| Loan and lease loss provision to assets | 0.0637% | 4,848 |
| Net operating income to assets | 1.2496% | 1,569 |
| Return on assets (ROA) | 1.3937% | 1,346 |
| Pretax return on assets | 1.3937% | 2,218 |
| Return on Equity (ROE) | 14.0294% | 1,111 |
| Retained earnings to average equity (ytd only) | 3.7492% | 4,112 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9958% | 5,246 |
| Assets per employee ($millions) | 8.4079% | 391 |
| Cash dividends to net income (ytd only)* | 73.2759% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 4,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 45.7767% | 5,839 |
| Net loans and leases to deposits | 50.9268% | 6,114 |
| Net loans and leases to core deposits | 56.9478% | 5,865 |
| Total domestic deposits to total assets | 89.8871% | 990 |
| Equity capital to assets | 9.8615% | 4,527 |
| Core capital (leverage) ratio | 9.2338% | 4,548 |
| Tier 1 risk-based capital ratio | 15.4776% | 3,457 |
| Total risk-based capital ratio | 16.5373% | 3,542 |
| Memoranda: | ||
| Average total assets | $166,458,670 | 3,561 |
| Average earning assets | $155,874,670 | 3,500 |
| Average equity | $16,536,670 | 3,724 |
| Average total loans | $80,341,000 | 4,094 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3287% | 4,619 |
| Cost of funding earning assets | 0.6985% | 4,292 |
| Net interest margin | 3.6302% | 4,126 |
| Noninterest income to average assets | 0.4287% | 4,465 |
| Noninterest expense to average assets | 2.2552% | 5,888 |
| Loan and lease loss provision to assets | 0.1313% | 3,705 |
| Net operating income to assets | 1.4423% | 1,137 |
| Return on assets (ROA) | 1.4423% | 1,270 |
| Pretax return on assets | 1.4423% | 2,045 |
| Return on Equity (ROE) | 14.4605% | 1,087 |
| Retained earnings to average equity (ytd only) | -6.6588% | 6,699 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8997% | 5,783 |
| Assets per employee ($millions) | 7.9910% | 480 |
| Cash dividends to net income (ytd only)* | 146.0481% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 4,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 47.5711% | 5,615 |
| Net loans and leases to deposits | 52.6952% | 5,927 |
| Net loans and leases to core deposits | 59.5946% | 5,569 |
| Total domestic deposits to total assets | 90.2760% | 926 |
| Equity capital to assets | 9.5321% | 4,753 |
| Core capital (leverage) ratio | 9.4497% | 4,118 |
| Tier 1 risk-based capital ratio | 15.3061% | 3,556 |
| Total risk-based capital ratio | 16.3937% | 3,619 |
| Memoranda: | ||
| Average total assets | $161,405,000 | 3,657 |
| Average earning assets | $151,177,000 | 3,593 |
| Average equity | $16,099,000 | 3,796 |
| Average total loans | $79,556,500 | 4,137 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 5,433 |
| Cost of funding earning assets | 0.8522% | 4,461 |
| Net interest margin | 3.5457% | 4,959 |
| Noninterest income to average assets | 0.1472% | 6,412 |
| Noninterest expense to average assets | 2.3238% | 5,990 |
| Loan and lease loss provision to assets | 0.1487% | 4,754 |
| Net operating income to assets | 0.9489% | 2,415 |
| Return on assets (ROA) | 1.0872% | 2,001 |
| Pretax return on assets | 1.0872% | 2,886 |
| Return on Equity (ROE) | 10.0254% | 2,053 |
| Retained earnings to average equity (ytd only) | 6.5472% | 1,717 |
| Net charge-offs to loans | 0.0045% | 6,382 |
| Credit loss provision to net charge-offs | 6,700.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 494.6667% | 67 |
| Efficiency ratio | 67.9204% | 4,377 |
| Assets per employee ($millions) | 7.3809% | 601 |
| Cash dividends to net income (ytd only)* | 34.6939% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 4,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 49.7877% | 5,616 |
| Net loans and leases to deposits | 55.7704% | 5,912 |
| Net loans and leases to core deposits | 62.6558% | 5,582 |
| Total domestic deposits to total assets | 89.2728% | 1,384 |
| Equity capital to assets | 10.4530% | 3,583 |
| Core capital (leverage) ratio | 10.2384% | 3,045 |
| Tier 1 risk-based capital ratio | 16.7670% | 2,707 |
| Total risk-based capital ratio | 17.8819% | 2,728 |
| Memoranda: | ||
| Average total assets | $135,209,000 | 4,066 |
| Average earning assets | $124,855,200 | 4,039 |
| Average equity | $14,662,800 | 3,978 |
| Average total loans | $67,271,800 | 4,587 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 5,361 |
| Cost of funding earning assets | 0.8685% | 4,649 |
| Net interest margin | 3.5985% | 4,772 |
| Noninterest income to average assets | 0.1515% | 6,501 |
| Noninterest expense to average assets | 2.4105% | 5,739 |
| Loan and lease loss provision to assets | 0.0471% | 5,852 |
| Net operating income to assets | 1.0062% | 2,298 |
| Return on assets (ROA) | 1.1679% | 1,868 |
| Pretax return on assets | 1.1679% | 2,752 |
| Return on Equity (ROE) | 10.6549% | 1,972 |
| Retained earnings to average equity (ytd only) | 5.8924% | 2,621 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5922% | 4,022 |
| Assets per employee ($millions) | 7.2901% | 641 |
| Cash dividends to net income (ytd only)* | 44.6973% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 4,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 45.1949% | 6,225 |
| Net loans and leases to deposits | 50.8394% | 6,456 |
| Net loans and leases to core deposits | 58.3865% | 6,098 |
| Total domestic deposits to total assets | 88.8973% | 1,485 |
| Equity capital to assets | 10.8174% | 3,336 |
| Core capital (leverage) ratio | 10.9494% | 2,435 |
| Tier 1 risk-based capital ratio | 18.1184% | 2,211 |
| Total risk-based capital ratio | 19.1961% | 2,239 |
| Memoranda: | ||
| Average total assets | $130,261,750 | 4,193 |
| Average earning assets | $119,897,500 | 4,155 |
| Average equity | $14,278,000 | 4,077 |
| Average total loans | $64,539,750 | 4,731 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 4,779 |
| Cost of funding earning assets | 0.8864% | 4,782 |
| Net interest margin | 3.7569% | 4,002 |
| Noninterest income to average assets | 0.1487% | 6,583 |
| Noninterest expense to average assets | 2.4256% | 5,765 |
| Loan and lease loss provision to assets | 0.0368% | 5,857 |
| Net operating income to assets | 1.1289% | 1,792 |
| Return on assets (ROA) | 1.1960% | 1,666 |
| Pretax return on assets | 1.1960% | 2,501 |
| Return on Equity (ROE) | 10.8563% | 1,844 |
| Retained earnings to average equity (ytd only) | 3.4543% | 4,053 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5423% | 4,601 |
| Assets per employee ($millions) | 6.7783% | 814 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 4,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 45.9079% | 6,281 |
| Net loans and leases to deposits | 51.5916% | 6,495 |
| Net loans and leases to core deposits | 60.0324% | 6,086 |
| Total domestic deposits to total assets | 88.9831% | 1,537 |
| Equity capital to assets | 10.8096% | 3,169 |
| Core capital (leverage) ratio | 11.1230% | 2,160 |
| Tier 1 risk-based capital ratio | 18.5349% | 1,999 |
| Total risk-based capital ratio | 19.6388% | 1,996 |
| Memoranda: | ||
| Average total assets | $125,081,670 | 4,321 |
| Average earning assets | $114,616,670 | 4,316 |
| Average equity | $13,780,000 | 4,158 |
| Average total loans | $63,795,330 | 4,804 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 4,543 |
| Cost of funding earning assets | 0.9276% | 4,730 |
| Net interest margin | 3.7688% | 3,763 |
| Noninterest income to average assets | 0.1502% | 6,652 |
| Noninterest expense to average assets | 2.4132% | 5,845 |
| Loan and lease loss provision to assets | 0.0567% | 5,291 |
| Net operating income to assets | 1.1382% | 1,706 |
| Return on assets (ROA) | 1.1382% | 1,751 |
| Pretax return on assets | 1.1382% | 2,611 |
| Return on Equity (ROE) | 10.2226% | 2,022 |
| Retained earnings to average equity (ytd only) | 10.2226% | 1,074 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8825% | 4,875 |
| Assets per employee ($millions) | 6.6637% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 5,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 50.4569% | 5,789 |
| Net loans and leases to deposits | 56.6312% | 6,071 |
| Net loans and leases to core deposits | 66.8215% | 5,429 |
| Total domestic deposits to total assets | 89.0973% | 1,718 |
| Equity capital to assets | 10.7613% | 2,911 |
| Core capital (leverage) ratio | 11.9132% | 1,610 |
| Tier 1 risk-based capital ratio | 18.2838% | 2,025 |
| Total risk-based capital ratio | 19.3583% | 2,045 |
| Memoranda: | ||
| Average total assets | $119,840,000 | 4,485 |
| Average earning assets | $109,956,000 | 4,471 |
| Average equity | $13,343,000 | 4,253 |
| Average total loans | $64,148,000 | 4,833 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7750% | 5,507 |
| Cost of funding earning assets | 1.2165% | 4,446 |
| Net interest margin | 3.5585% | 5,005 |
| Noninterest income to average assets | 0.1570% | 6,601 |
| Noninterest expense to average assets | 2.5812% | 5,495 |
| Loan and lease loss provision to assets | 0.3318% | 4,163 |
| Net operating income to assets | 0.5017% | 4,088 |
| Return on assets (ROA) | 1.1883% | 1,521 |
| Pretax return on assets | 1.1883% | 2,265 |
| Return on Equity (ROE) | 8.8300% | 2,370 |
| Retained earnings to average equity (ytd only) | 8.8300% | 746 |
| Net charge-offs to loans | 0.0218% | 6,593 |
| Credit loss provision to net charge-offs | 2,783.3333% | 85 |
| Earnings coverage of net charge-offs (x) | 69.9167% | 348 |
| Efficiency ratio | 75.5892% | 3,113 |
| Assets per employee ($millions) | 6.6511% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 4,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 55.4803% | 5,416 |
| Net loans and leases to deposits | 62.9425% | 5,750 |
| Net loans and leases to core deposits | 71.9929% | 5,214 |
| Total domestic deposits to total assets | 88.1444% | 2,157 |
| Equity capital to assets | 11.5514% | 2,219 |
| Core capital (leverage) ratio | 12.6914% | 1,249 |
| Tier 1 risk-based capital ratio | 18.1305% | 1,958 |
| Total risk-based capital ratio | 19.2010% | 1,975 |
| Memoranda: | ||
| Average total assets | $100,649,000 | 4,966 |
| Average earning assets | $92,146,200 | 4,938 |
| Average equity | $13,544,800 | 4,248 |
| Average total loans | $55,001,200 | 5,275 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7266% | 5,922 |
| Cost of funding earning assets | 1.2736% | 4,415 |
| Net interest margin | 3.4530% | 5,481 |
| Noninterest income to average assets | 0.1449% | 6,821 |
| Noninterest expense to average assets | 2.5533% | 5,499 |
| Loan and lease loss provision to assets | 0.2980% | 4,193 |
| Net operating income to assets | 0.4511% | 4,532 |
| Return on assets (ROA) | 1.3956% | 1,186 |
| Pretax return on assets | 1.3956% | 1,888 |
| Return on Equity (ROE) | 9.9614% | 2,136 |
| Retained earnings to average equity (ytd only) | 9.9614% | 805 |
| Net charge-offs to loans | 0.0303% | 6,260 |
| Credit loss provision to net charge-offs | 1,816.6667% | 171 |
| Earnings coverage of net charge-offs (x) | 45.6656% | 606 |
| Efficiency ratio | 77.3179% | 2,721 |
| Assets per employee ($millions) | 6.6864% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 5,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 53.4080% | 5,932 |
| Net loans and leases to deposits | 61.7557% | 6,144 |
| Net loans and leases to core deposits | 70.4464% | 5,703 |
| Total domestic deposits to total assets | 86.4828% | 2,810 |
| Equity capital to assets | 13.2303% | 1,484 |
| Core capital (leverage) ratio | 13.2092% | 1,150 |
| Tier 1 risk-based capital ratio | 19.3510% | 1,675 |
| Total risk-based capital ratio | 20.3477% | 1,693 |
| Memoranda: | ||
| Average total assets | $97,544,000 | 5,121 |
| Average earning assets | $89,194,250 | 5,102 |
| Average equity | $13,665,750 | 4,283 |
| Average total loans | $52,860,750 | 5,446 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 6,101 |
| Cost of funding earning assets | 1.3290% | 4,346 |
| Net interest margin | 3.3840% | 5,701 |
| Noninterest income to average assets | 0.1292% | 6,947 |
| Noninterest expense to average assets | 2.5340% | 5,595 |
| Loan and lease loss provision to assets | 0.3983% | 3,334 |
| Net operating income to assets | 0.2881% | 5,226 |
| Return on assets (ROA) | 1.6356% | 720 |
| Pretax return on assets | 1.6356% | 1,199 |
| Return on Equity (ROE) | 11.4345% | 1,612 |
| Retained earnings to average equity (ytd only) | 11.4345% | 577 |
| Net charge-offs to loans | 0.0469% | 5,729 |
| Credit loss provision to net charge-offs | 1,566.6667% | 255 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 986 |
| Efficiency ratio | 78.6842% | 2,627 |
| Assets per employee ($millions) | 7.2689% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 5,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 55.5206% | 5,780 |
| Net loans and leases to deposits | 64.3442% | 5,996 |
| Net loans and leases to core deposits | 85.7386% | 3,870 |
| Total domestic deposits to total assets | 86.2869% | 2,932 |
| Equity capital to assets | 13.5362% | 1,329 |
| Core capital (leverage) ratio | 13.9387% | 939 |
| Tier 1 risk-based capital ratio | 19.3167% | 1,647 |
| Total risk-based capital ratio | 20.2898% | 1,672 |
| Memoranda: | ||
| Average total assets | $94,398,000 | 5,235 |
| Average earning assets | $86,229,000 | 5,229 |
| Average equity | $13,503,000 | 4,320 |
| Average total loans | $51,196,670 | 5,559 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 6,607 |
| Cost of funding earning assets | 1.3804% | 4,306 |
| Net interest margin | 3.2016% | 6,288 |
| Noninterest income to average assets | 0.0750% | 7,329 |
| Noninterest expense to average assets | 2.4472% | 5,925 |
| Loan and lease loss provision to assets | 0.5247% | 2,400 |
| Net operating income to assets | 0.0176% | 6,241 |
| Return on assets (ROA) | 2.3811% | 198 |
| Pretax return on assets | 2.3811% | 302 |
| Return on Equity (ROE) | 16.1592% | 694 |
| Retained earnings to average equity (ytd only) | 16.1592% | 330 |
| Net charge-offs to loans | 0.0996% | 4,424 |
| Credit loss provision to net charge-offs | 991.6667% | 472 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 1,759 |
| Efficiency ratio | 81.8584% | 2,286 |
| Assets per employee ($millions) | 7.9950% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 5,572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 53.5960% | 6,077 |
| Net loans and leases to deposits | 62.3454% | 6,244 |
| Net loans and leases to core deposits | 75.2987% | 5,360 |
| Total domestic deposits to total assets | 85.9662% | 3,171 |
| Equity capital to assets | 13.9139% | 1,170 |
| Core capital (leverage) ratio | 14.4860% | 855 |
| Tier 1 risk-based capital ratio | 21.5362% | 1,262 |
| Total risk-based capital ratio | 22.5285% | 1,272 |
| Memoranda: | ||
| Average total assets | $90,715,000 | 5,428 |
| Average earning assets | $82,584,500 | 5,411 |
| Average equity | $13,367,000 | 4,387 |
| Average total loans | $48,201,500 | 5,749 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5435% | 7,343 |
| Cost of funding earning assets | 1.6558% | 4,758 |
| Net interest margin | 2.8877% | 6,887 |
| Noninterest income to average assets | 0.0898% | 7,310 |
| Noninterest expense to average assets | 2.6373% | 5,636 |
| Loan and lease loss provision to assets | 0.4220% | 4,296 |
| Net operating income to assets | -0.3763% | 6,055 |
| Return on assets (ROA) | 0.0114% | 5,500 |
| Pretax return on assets | 0.0114% | 5,413 |
| Return on Equity (ROE) | 0.0601% | 5,516 |
| Retained earnings to average equity (ytd only) | 0.0601% | 4,871 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2997% | 1,196 |
| Assets per employee ($millions) | 5.6993% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 5,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 51.2996% | 6,498 |
| Net loans and leases to deposits | 60.9704% | 6,564 |
| Net loans and leases to core deposits | 85.1242% | 5,604 |
| Total domestic deposits to total assets | 84.1385% | 3,966 |
| Equity capital to assets | 15.6568% | 755 |
| Core capital (leverage) ratio | 15.7904% | 645 |
| Tier 1 risk-based capital ratio | 24.4850% | 902 |
| Total risk-based capital ratio | 25.4578% | 904 |
| Memoranda: | ||
| Average total assets | $70,148,600 | 5,995 |
| Average earning assets | $62,991,400 | 6,033 |
| Average equity | $13,312,000 | 4,430 |
| Average total loans | $31,820,800 | 6,533 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 7,530 |
| Cost of funding earning assets | 1.7057% | 4,866 |
| Net interest margin | 2.7731% | 7,095 |
| Noninterest income to average assets | 0.0744% | 7,534 |
| Noninterest expense to average assets | 2.6440% | 5,547 |
| Loan and lease loss provision to assets | 0.4363% | 3,722 |
| Net operating income to assets | -0.5248% | 6,451 |
| Return on assets (ROA) | -0.4886% | 6,416 |
| Pretax return on assets | -0.4886% | 6,280 |
| Return on Equity (ROE) | -2.4372% | 6,156 |
| Retained earnings to average equity (ytd only) | -2.4372% | 5,809 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4618% | 935 |
| Assets per employee ($millions) | 6.0352% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 5,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 46.9340% | 7,041 |
| Net loans and leases to deposits | 56.8932% | 7,032 |
| Net loans and leases to core deposits | 79.8486% | 6,365 |
| Total domestic deposits to total assets | 82.4949% | 4,455 |
| Equity capital to assets | 17.1929% | 605 |
| Core capital (leverage) ratio | 16.6347% | 597 |
| Tier 1 risk-based capital ratio | 26.0976% | 816 |
| Total risk-based capital ratio | 26.9907% | 818 |
| Memoranda: | ||
| Average total assets | $66,313,250 | 6,173 |
| Average earning assets | $59,329,500 | 6,196 |
| Average equity | $13,293,750 | 4,465 |
| Average total loans | $28,684,500 | 6,761 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 7,811 |
| Cost of funding earning assets | 1.6619% | 5,462 |
| Net interest margin | 2.5677% | 7,395 |
| Noninterest income to average assets | 0.0642% | 7,665 |
| Noninterest expense to average assets | 2.6532% | 5,547 |
| Loan and lease loss provision to assets | 0.5396% | 2,872 |
| Net operating income to assets | -0.8159% | 6,842 |
| Return on assets (ROA) | -0.8159% | 6,846 |
| Pretax return on assets | -0.8159% | 6,690 |
| Return on Equity (ROE) | -3.8401% | 6,460 |
| Retained earnings to average equity (ytd only) | -3.8401% | 6,106 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.6216% | 805 |
| Assets per employee ($millions) | 6.4083% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 42.2736% | 7,431 |
| Net loans and leases to deposits | 51.1317% | 7,426 |
| Net loans and leases to core deposits | 70.2815% | 7,004 |
| Total domestic deposits to total assets | 82.6760% | 4,391 |
| Equity capital to assets | 17.0939% | 651 |
| Core capital (leverage) ratio | 19.0596% | 414 |
| Tier 1 risk-based capital ratio | 28.4209% | 689 |
| Total risk-based capital ratio | 29.2843% | 697 |
| Memoranda: | ||
| Average total assets | $62,265,330 | 6,361 |
| Average earning assets | $56,080,670 | 6,380 |
| Average equity | $13,228,670 | 4,485 |
| Average total loans | $25,828,330 | 6,976 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1907% | 7,910 |
| Cost of funding earning assets | 1.6360% | 5,883 |
| Net interest margin | 2.5547% | 7,434 |
| Noninterest income to average assets | 0.0655% | 7,740 |
| Noninterest expense to average assets | 2.6789% | 5,108 |
| Loan and lease loss provision to assets | 0.6042% | 2,087 |
| Net operating income to assets | -0.9099% | 7,200 |
| Return on assets (ROA) | -0.9099% | 7,226 |
| Pretax return on assets | -0.9099% | 7,102 |
| Return on Equity (ROE) | -3.7678% | 6,867 |
| Retained earnings to average equity (ytd only) | -3.7678% | 6,394 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.8834% | 753 |
| Assets per employee ($millions) | 5.2466% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 5,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 40.7916% | 7,529 |
| Net loans and leases to deposits | 51.7793% | 7,416 |
| Net loans and leases to core deposits | 70.5026% | 6,992 |
| Total domestic deposits to total assets | 78.7798% | 5,799 |
| Equity capital to assets | 21.0724% | 358 |
| Core capital (leverage) ratio | 24.6692% | 238 |
| Tier 1 risk-based capital ratio | 34.7642% | 445 |
| Total risk-based capital ratio | 35.5772% | 448 |
| Memoranda: | ||
| Average total assets | $54,948,500 | 6,670 |
| Average earning assets | $49,634,000 | 6,675 |
| Average equity | $13,270,500 | 4,518 |
| Average total loans | $22,298,000 | 7,234 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3052% | 8,156 |
| Cost of funding earning assets | 0.9448% | 8,079 |
| Net interest margin | 2.3604% | 7,881 |
| Noninterest income to average assets | 0.0405% | 7,932 |
| Noninterest expense to average assets | 4.4048% | 957 |
| Loan and lease loss provision to assets | 0.6185% | 2,354 |
| Net operating income to assets | -2.9828% | 7,820 |
| Return on assets (ROA) | -2.9828% | 7,791 |
| Pretax return on assets | -2.9828% | 7,703 |
| Return on Equity (ROE) | -7.8077% | 7,114 |
| Retained earnings to average equity (ytd only) | -7.8077% | 6,869 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 215.8640% | 176 |
| Assets per employee ($millions) | 4.6938% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 4,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 39.2092% | 7,707 |
| Net loans and leases to deposits | 54.9029% | 7,387 |
| Net loans and leases to core deposits | 69.7835% | 7,202 |
| Total domestic deposits to total assets | 71.4155% | 7,101 |
| Equity capital to assets | 28.2799% | 193 |
| Core capital (leverage) ratio | 30.2327% | 182 |
| Tier 1 risk-based capital ratio | 47.5588% | 238 |
| Total risk-based capital ratio | 48.3557% | 240 |
| Memoranda: | ||
| Average total assets | $34,598,330 | 7,441 |
| Average earning assets | $29,317,000 | 7,550 |
| Average equity | $13,217,670 | 4,517 |
| Average total loans | $11,421,000 | 7,867 |