Home > Kanza Bank > Performance and Condition Ratios
Kanza Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5887% | 2,920 |
| Cost of funding earning assets | 1.3184% | 2,465 |
| Net interest margin | 3.2703% | 2,705 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 3.0973% | 963 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3858% | 3,900 |
| Return on assets (ROA) | 0.3868% | 3,891 |
| Pretax return on assets | 0.4051% | 3,953 |
| Return on Equity (ROE) | 5.3400% | 3,663 |
| Retained earnings to average equity (ytd only) | 2.4176% | 3,474 |
| Net charge-offs to loans | -0.0058% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.9117% | 487 |
| Assets per employee ($millions) | 6.2325% | 2,604 |
| Cash dividends to net income (ytd only)* | 54.7170% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 1,610 |
| Loan loss allowance to noncurrent loans | 2,938.2022% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 3,431 |
| Noncurrent loans to loans | 0.0456% | 3,390 |
| Net loans and leases to total assets | 70.2000% | 1,786 |
| Net loans and leases to deposits | 84.3899% | 1,744 |
| Net loans and leases to core deposits | 89.9120% | 2,054 |
| Total domestic deposits to total assets | 83.1800% | 2,844 |
| Equity capital to assets | 7.7833% | 3,554 |
| Core capital (leverage) ratio | 8.9090% | 3,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0700% | 2,220 |
| Memoranda: | ||
| Average total assets | $274,015,400 | 2,558 |
| Average earning assets | $252,664,200 | 2,555 |
| Average equity | $19,854,400 | 2,869 |
| Average total loans | $189,755,400 | 2,361 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 2,982 |
| Cost of funding earning assets | 1.0813% | 2,799 |
| Net interest margin | 3.3832% | 2,491 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 3.1429% | 879 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4167% | 3,936 |
| Return on assets (ROA) | 0.4181% | 3,924 |
| Pretax return on assets | 0.4390% | 4,005 |
| Return on Equity (ROE) | 5.8800% | 3,660 |
| Retained earnings to average equity (ytd only) | 2.1832% | 3,699 |
| Net charge-offs to loans | -0.0050% | 3,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.4239% | 463 |
| Assets per employee ($millions) | 6.1938% | 2,571 |
| Cash dividends to net income (ytd only)* | 62.8638% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 1,753 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 3,470 |
| Noncurrent loans to loans | 0.0458% | 3,430 |
| Net loans and leases to total assets | 70.4000% | 1,779 |
| Net loans and leases to deposits | 82.1781% | 1,890 |
| Net loans and leases to core deposits | 87.5998% | 2,085 |
| Total domestic deposits to total assets | 85.6700% | 2,289 |
| Equity capital to assets | 6.8621% | 3,682 |
| Core capital (leverage) ratio | 8.8236% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3606% | 2,130 |
| Memoranda: | ||
| Average total assets | $273,962,000 | 2,563 |
| Average earning assets | $252,889,250 | 2,559 |
| Average equity | $19,482,000 | 2,891 |
| Average total loans | $188,414,000 | 2,376 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3578% | 2,988 |
| Cost of funding earning assets | 0.8315% | 3,126 |
| Net interest margin | 3.5263% | 2,207 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 3.2022% | 786 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4804% | 3,847 |
| Return on assets (ROA) | 0.4817% | 3,854 |
| Pretax return on assets | 0.5211% | 3,930 |
| Return on Equity (ROE) | 6.7000% | 3,538 |
| Retained earnings to average equity (ytd only) | 1.2258% | 3,870 |
| Net charge-offs to loans | -0.0064% | 3,776 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.0388% | 494 |
| Assets per employee ($millions) | 5.5277% | 3,123 |
| Cash dividends to net income (ytd only)* | 81.6944% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 1,801 |
| Loan loss allowance to noncurrent loans | 2,833.3333% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 3,450 |
| Noncurrent loans to loans | 0.0469% | 3,384 |
| Net loans and leases to total assets | 69.8700% | 1,760 |
| Net loans and leases to deposits | 82.0790% | 1,821 |
| Net loans and leases to core deposits | 85.9730% | 2,075 |
| Total domestic deposits to total assets | 85.1300% | 2,508 |
| Equity capital to assets | 7.3611% | 3,600 |
| Core capital (leverage) ratio | 8.7654% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0894% | 2,266 |
| Memoranda: | ||
| Average total assets | $274,440,333 | 2,561 |
| Average earning assets | $253,520,000 | 2,562 |
| Average equity | $19,742,333 | 2,889 |
| Average total loans | $186,404,333 | 2,378 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 3,098 |
| Cost of funding earning assets | 0.7214% | 2,983 |
| Net interest margin | 3.4524% | 2,489 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 3.0974% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5040% | 3,890 |
| Return on assets (ROA) | 0.5054% | 3,846 |
| Pretax return on assets | 0.5445% | 3,928 |
| Return on Equity (ROE) | 7.0700% | 3,499 |
| Retained earnings to average equity (ytd only) | 3.7265% | 3,341 |
| Net charge-offs to loans | -0.0065% | 3,718 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.0835% | 542 |
| Assets per employee ($millions) | 5.4709% | 3,246 |
| Cash dividends to net income (ytd only)* | 47.2779% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 1,584 |
| Loan loss allowance to noncurrent loans | 1,472.2543% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 3,159 |
| Noncurrent loans to loans | 0.0957% | 3,067 |
| Net loans and leases to total assets | 65.1300% | 2,139 |
| Net loans and leases to deposits | 72.8413% | 2,397 |
| Net loans and leases to core deposits | 76.4521% | 2,494 |
| Total domestic deposits to total assets | 89.4200% | 1,372 |
| Equity capital to assets | 7.5351% | 3,543 |
| Core capital (leverage) ratio | 8.8037% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0580% | 1,958 |
| Memoranda: | ||
| Average total assets | $276,232,500 | 2,582 |
| Average earning assets | $253,389,000 | 2,592 |
| Average equity | $19,750,500 | 2,914 |
| Average total loans | $183,707,500 | 2,427 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5902% | 2,831 |
| Cost of funding earning assets | 0.3423% | 2,544 |
| Net interest margin | 3.2480% | 2,710 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.9852% | 986 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3849% | 4,258 |
| Return on assets (ROA) | 0.3866% | 4,222 |
| Pretax return on assets | 0.3891% | 4,288 |
| Return on Equity (ROE) | 5.4000% | 3,946 |
| Retained earnings to average equity (ytd only) | 2.4064% | 3,885 |
| Net charge-offs to loans | -0.1415% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.5156% | 341 |
| Assets per employee ($millions) | 5.4690% | 3,250 |
| Cash dividends to net income (ytd only)* | 55.4554% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 919 |
| Loan loss allowance to noncurrent loans | 1,627.8075% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 3,130 |
| Noncurrent loans to loans | 0.1002% | 3,046 |
| Net loans and leases to total assets | 65.8500% | 2,058 |
| Net loans and leases to deposits | 72.5040% | 2,371 |
| Net loans and leases to core deposits | 75.3406% | 2,474 |
| Total domestic deposits to total assets | 90.8200% | 1,019 |
| Equity capital to assets | 6.7722% | 3,779 |
| Core capital (leverage) ratio | 8.5041% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6270% | 2,114 |
| Memoranda: | ||
| Average total assets | $286,850,200 | 2,519 |
| Average earning assets | $260,902,200 | 2,545 |
| Average equity | $20,528,400 | 2,905 |
| Average total loans | $178,100,400 | 2,394 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4487% | 2,781 |
| Cost of funding earning assets | 0.2829% | 2,354 |
| Net interest margin | 3.1657% | 2,726 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.9377% | 997 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3376% | 4,335 |
| Return on assets (ROA) | 0.3397% | 4,286 |
| Pretax return on assets | 0.3610% | 4,319 |
| Return on Equity (ROE) | 4.6900% | 4,036 |
| Retained earnings to average equity (ytd only) | 1.4073% | 4,154 |
| Net charge-offs to loans | -0.1864% | 4,627 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.1192% | 352 |
| Assets per employee ($millions) | 5.2571% | 3,452 |
| Cash dividends to net income (ytd only)* | 69.9728% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6755% | 913 |
| Loan loss allowance to noncurrent loans | 2,978.4314% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 3,551 |
| Noncurrent loans to loans | 0.0563% | 3,476 |
| Net loans and leases to total assets | 63.9900% | 2,088 |
| Net loans and leases to deposits | 71.4199% | 2,253 |
| Net loans and leases to core deposits | 73.5963% | 2,379 |
| Total domestic deposits to total assets | 89.5900% | 1,836 |
| Equity capital to assets | 6.1796% | 3,890 |
| Core capital (leverage) ratio | 8.6364% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4737% | 2,277 |
| Memoranda: | ||
| Average total assets | $288,833,000 | 2,525 |
| Average earning assets | $262,470,250 | 2,554 |
| Average equity | $20,938,250 | 2,906 |
| Average total loans | $175,949,500 | 2,412 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2830% | 2,791 |
| Cost of funding earning assets | 0.2439% | 2,344 |
| Net interest margin | 3.0392% | 2,763 |
| Noninterest income to average assets | 0.4537% | 2,422 |
| Noninterest expense to average assets | 2.8997% | 990 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3108% | 4,270 |
| Return on assets (ROA) | 0.3114% | 4,218 |
| Pretax return on assets | 0.3353% | 4,250 |
| Return on Equity (ROE) | 4.1031% | 4,012 |
| Retained earnings to average equity (ytd only) | 0.2705% | 4,138 |
| Net charge-offs to loans | -0.0276% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6530% | 422 |
| Assets per employee ($millions) | 5.1364% | 3,554 |
| Cash dividends to net income (ytd only)* | 93.4066% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 1,322 |
| Loan loss allowance to noncurrent loans | 398.8669% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 2,071 |
| Noncurrent loans to loans | 0.3843% | 1,984 |
| Net loans and leases to total assets | 64.0330% | 1,910 |
| Net loans and leases to deposits | 71.6977% | 2,053 |
| Net loans and leases to core deposits | 73.5315% | 2,205 |
| Total domestic deposits to total assets | 89.3098% | 2,040 |
| Equity capital to assets | 6.8757% | 3,833 |
| Core capital (leverage) ratio | 8.0730% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0635% | 2,469 |
| Memoranda: | ||
| Average total assets | $292,235,000 | 2,524 |
| Average earning assets | $267,373,333 | 2,556 |
| Average equity | $22,178,333 | 2,878 |
| Average total loans | $174,158,667 | 2,432 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1111% | 2,949 |
| Cost of funding earning assets | 0.2259% | 2,455 |
| Net interest margin | 2.8852% | 2,891 |
| Noninterest income to average assets | 0.4618% | 2,344 |
| Noninterest expense to average assets | 2.8367% | 1,084 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2545% | 4,232 |
| Return on assets (ROA) | 0.2545% | 4,205 |
| Pretax return on assets | 0.2733% | 4,225 |
| Return on Equity (ROE) | 3.2094% | 4,046 |
| Retained earnings to average equity (ytd only) | 1.7660% | 3,611 |
| Net charge-offs to loans | -0.0449% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2121% | 497 |
| Assets per employee ($millions) | 5.8349% | 2,962 |
| Cash dividends to net income (ytd only)* | 44.9735% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 1,156 |
| Loan loss allowance to noncurrent loans | 311.6408% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 1,901 |
| Noncurrent loans to loans | 0.5294% | 1,709 |
| Net loans and leases to total assets | 56.3062% | 2,503 |
| Net loans and leases to deposits | 64.1914% | 2,509 |
| Net loans and leases to core deposits | 65.7365% | 2,655 |
| Total domestic deposits to total assets | 87.7160% | 2,657 |
| Equity capital to assets | 7.3049% | 4,046 |
| Core capital (leverage) ratio | 8.0864% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8751% | 2,650 |
| Memoranda: | ||
| Average total assets | $297,102,000 | 2,509 |
| Average earning assets | $272,703,500 | 2,535 |
| Average equity | $23,555,500 | 2,867 |
| Average total loans | $169,383,000 | 2,461 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4853% | 2,696 |
| Cost of funding earning assets | 0.2679% | 2,724 |
| Net interest margin | 3.2173% | 2,566 |
| Noninterest income to average assets | 0.5108% | 2,511 |
| Noninterest expense to average assets | 2.7802% | 1,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6317% | 3,803 |
| Return on assets (ROA) | 0.6263% | 3,861 |
| Pretax return on assets | 0.6606% | 4,012 |
| Return on Equity (ROE) | 6.8522% | 3,554 |
| Retained earnings to average equity (ytd only) | 3.1691% | 3,559 |
| Net charge-offs to loans | 0.1754% | 555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 6.5260% | 2,392 |
| Efficiency ratio | 80.6683% | 769 |
| Assets per employee ($millions) | 5.5018% | 3,256 |
| Cash dividends to net income (ytd only)* | 53.7507% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 2,023 |
| Loan loss allowance to noncurrent loans | 323.9161% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 2,355 |
| Noncurrent loans to loans | 0.4246% | 2,076 |
| Net loans and leases to total assets | 55.9014% | 2,626 |
| Net loans and leases to deposits | 63.5052% | 2,733 |
| Net loans and leases to core deposits | 64.9659% | 2,902 |
| Total domestic deposits to total assets | 88.0265% | 2,032 |
| Equity capital to assets | 8.7005% | 3,883 |
| Core capital (leverage) ratio | 8.5976% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6783% | 2,372 |
| Memoranda: | ||
| Average total assets | $283,076,200 | 2,520 |
| Average earning assets | $258,288,200 | 2,559 |
| Average equity | $25,874,800 | 2,791 |
| Average total loans | $164,723,000 | 2,513 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5044% | 2,830 |
| Cost of funding earning assets | 0.2816% | 2,779 |
| Net interest margin | 3.2228% | 2,662 |
| Noninterest income to average assets | 0.5213% | 2,536 |
| Noninterest expense to average assets | 2.7112% | 1,562 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7104% | 3,740 |
| Return on assets (ROA) | 0.6972% | 3,840 |
| Pretax return on assets | 0.7325% | 4,008 |
| Return on Equity (ROE) | 7.5316% | 3,521 |
| Retained earnings to average equity (ytd only) | 3.7298% | 3,668 |
| Net charge-offs to loans | -0.1156% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4138% | 843 |
| Assets per employee ($millions) | 4.8374% | 3,855 |
| Cash dividends to net income (ytd only)* | 50.4788% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 1,135 |
| Loan loss allowance to noncurrent loans | 2,270.2479% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 3,860 |
| Noncurrent loans to loans | 0.0742% | 3,720 |
| Net loans and leases to total assets | 58.1353% | 2,474 |
| Net loans and leases to deposits | 67.6346% | 2,470 |
| Net loans and leases to core deposits | 69.4457% | 2,644 |
| Total domestic deposits to total assets | 85.9551% | 2,765 |
| Equity capital to assets | 9.4662% | 3,409 |
| Core capital (leverage) ratio | 8.5494% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3314% | 2,248 |
| Memoranda: | ||
| Average total assets | $279,570,750 | 2,560 |
| Average earning assets | $254,724,250 | 2,610 |
| Average equity | $25,881,250 | 2,823 |
| Average total loans | $163,804,250 | 2,556 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4330% | 3,072 |
| Cost of funding earning assets | 0.2949% | 2,820 |
| Net interest margin | 3.1381% | 2,934 |
| Noninterest income to average assets | 0.5213% | 2,523 |
| Noninterest expense to average assets | 2.5629% | 1,957 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7757% | 3,583 |
| Return on assets (ROA) | 0.7534% | 3,704 |
| Pretax return on assets | 0.7919% | 3,881 |
| Return on Equity (ROE) | 8.1990% | 3,352 |
| Retained earnings to average equity (ytd only) | 3.4098% | 3,713 |
| Net charge-offs to loans | -0.1670% | 4,763 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8642% | 1,092 |
| Assets per employee ($millions) | 5.1985% | 3,457 |
| Cash dividends to net income (ytd only)* | 58.4121% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6612% | 1,143 |
| Loan loss allowance to noncurrent loans | 1,986.9565% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 3,869 |
| Noncurrent loans to loans | 0.0836% | 3,771 |
| Net loans and leases to total assets | 57.8214% | 2,692 |
| Net loans and leases to deposits | 66.8656% | 2,740 |
| Net loans and leases to core deposits | 68.7636% | 2,887 |
| Total domestic deposits to total assets | 86.4740% | 2,561 |
| Equity capital to assets | 9.2217% | 3,590 |
| Core capital (leverage) ratio | 8.4047% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,851,333 | 2,549 |
| Average earning assets | $255,698,000 | 2,590 |
| Average equity | $25,808,000 | 2,825 |
| Average total loans | $164,058,000 | 2,567 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2572% | 3,553 |
| Cost of funding earning assets | 0.3193% | 2,801 |
| Net interest margin | 2.9379% | 3,413 |
| Noninterest income to average assets | 0.5753% | 2,309 |
| Noninterest expense to average assets | 2.5488% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6607% | 3,798 |
| Return on assets (ROA) | 0.6607% | 3,874 |
| Pretax return on assets | 0.6991% | 4,020 |
| Return on Equity (ROE) | 7.2026% | 3,550 |
| Retained earnings to average equity (ytd only) | 3.7410% | 3,581 |
| Net charge-offs to loans | -0.3375% | 4,860 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4744% | 923 |
| Assets per employee ($millions) | 5.6156% | 3,003 |
| Cash dividends to net income (ytd only)* | 48.0603% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 1,084 |
| Loan loss allowance to noncurrent loans | 1,042.9658% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 3,731 |
| Noncurrent loans to loans | 0.1615% | 3,528 |
| Net loans and leases to total assets | 55.8971% | 3,048 |
| Net loans and leases to deposits | 65.5984% | 2,964 |
| Net loans and leases to core deposits | 67.4474% | 3,115 |
| Total domestic deposits to total assets | 85.2110% | 3,022 |
| Equity capital to assets | 8.9181% | 3,765 |
| Core capital (leverage) ratio | 8.4601% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,918,000 | 2,536 |
| Average earning assets | $255,556,500 | 2,568 |
| Average equity | $25,768,500 | 2,815 |
| Average total loans | $163,558,500 | 2,562 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 2,427 |
| Cost of funding earning assets | 0.4762% | 3,111 |
| Net interest margin | 3.6228% | 2,065 |
| Noninterest income to average assets | 0.5163% | 2,562 |
| Noninterest expense to average assets | 2.8902% | 1,710 |
| Loan and lease loss provision to assets | 0.2550% | 1,520 |
| Net operating income to assets | 0.6494% | 3,598 |
| Return on assets (ROA) | 0.6520% | 3,716 |
| Pretax return on assets | 0.6779% | 3,931 |
| Return on Equity (ROE) | 6.6037% | 3,367 |
| Retained earnings to average equity (ytd only) | 2.8886% | 3,424 |
| Net charge-offs to loans | -0.0006% | 3,910 |
| Credit loss provision to net charge-offs | -65,000.0000% | 4,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6521% | 1,273 |
| Assets per employee ($millions) | 5.2969% | 3,051 |
| Cash dividends to net income (ytd only)* | 56.2575% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 1,333 |
| Loan loss allowance to noncurrent loans | 1,424.0437% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,964 |
| Noncurrent loans to loans | 0.1114% | 3,843 |
| Net loans and leases to total assets | 58.6992% | 3,012 |
| Net loans and leases to deposits | 69.5731% | 2,932 |
| Net loans and leases to core deposits | 71.7132% | 3,104 |
| Total domestic deposits to total assets | 84.3705% | 2,992 |
| Equity capital to assets | 9.4380% | 3,670 |
| Core capital (leverage) ratio | 8.7396% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,895,800 | 2,547 |
| Average earning assets | $232,470,200 | 2,582 |
| Average equity | $25,167,600 | 2,790 |
| Average total loans | $169,048,400 | 2,494 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 2,302 |
| Cost of funding earning assets | 0.5141% | 3,143 |
| Net interest margin | 3.7172% | 1,886 |
| Noninterest income to average assets | 0.5338% | 2,451 |
| Noninterest expense to average assets | 2.9249% | 1,632 |
| Loan and lease loss provision to assets | 0.3071% | 1,306 |
| Net operating income to assets | 0.6589% | 3,598 |
| Return on assets (ROA) | 0.6614% | 3,694 |
| Pretax return on assets | 0.6977% | 3,907 |
| Return on Equity (ROE) | 6.6183% | 3,335 |
| Retained earnings to average equity (ytd only) | 2.7456% | 3,626 |
| Net charge-offs to loans | -0.0219% | 4,448 |
| Credit loss provision to net charge-offs | -2,053.5714% | 4,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4834% | 1,357 |
| Assets per employee ($millions) | 5.0810% | 3,141 |
| Cash dividends to net income (ytd only)* | 58.5149% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 1,474 |
| Loan loss allowance to noncurrent loans | 716.2465% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 3,702 |
| Noncurrent loans to loans | 0.2052% | 3,562 |
| Net loans and leases to total assets | 64.8889% | 2,650 |
| Net loans and leases to deposits | 78.7498% | 2,454 |
| Net loans and leases to core deposits | 81.1980% | 2,734 |
| Total domestic deposits to total assets | 82.3988% | 3,316 |
| Equity capital to assets | 9.7415% | 3,481 |
| Core capital (leverage) ratio | 8.7033% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,759,750 | 2,563 |
| Average earning assets | $227,981,250 | 2,592 |
| Average equity | $24,960,500 | 2,791 |
| Average total loans | $170,238,750 | 2,482 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 2,507 |
| Cost of funding earning assets | 0.5594% | 3,183 |
| Net interest margin | 3.7275% | 2,060 |
| Noninterest income to average assets | 0.5307% | 2,437 |
| Noninterest expense to average assets | 2.9550% | 1,706 |
| Loan and lease loss provision to assets | 0.4083% | 981 |
| Net operating income to assets | 0.5309% | 3,931 |
| Return on assets (ROA) | 0.5332% | 4,006 |
| Pretax return on assets | 0.5756% | 4,105 |
| Return on Equity (ROE) | 5.2872% | 3,750 |
| Retained earnings to average equity (ytd only) | 1.1173% | 4,072 |
| Net charge-offs to loans | -0.0355% | 4,587 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0674% | 1,363 |
| Assets per employee ($millions) | 5.0952% | 3,070 |
| Cash dividends to net income (ytd only)* | 78.8668% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 1,509 |
| Loan loss allowance to noncurrent loans | 621.2500% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 3,709 |
| Noncurrent loans to loans | 0.2290% | 3,555 |
| Net loans and leases to total assets | 64.9745% | 2,758 |
| Net loans and leases to deposits | 78.8168% | 2,570 |
| Net loans and leases to core deposits | 81.3733% | 2,830 |
| Total domestic deposits to total assets | 82.4374% | 3,259 |
| Equity capital to assets | 9.5343% | 3,632 |
| Core capital (leverage) ratio | 8.9466% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,943,000 | 2,573 |
| Average earning assets | $223,793,333 | 2,596 |
| Average equity | $24,701,333 | 2,802 |
| Average total loans | $168,985,000 | 2,475 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 2,432 |
| Cost of funding earning assets | 0.6190% | 3,338 |
| Net interest margin | 3.8366% | 1,859 |
| Noninterest income to average assets | 0.5533% | 2,265 |
| Noninterest expense to average assets | 2.9437% | 2,022 |
| Loan and lease loss provision to assets | 0.7236% | 358 |
| Net operating income to assets | 0.3560% | 4,232 |
| Return on assets (ROA) | 0.3575% | 4,257 |
| Pretax return on assets | 0.4018% | 4,291 |
| Return on Equity (ROE) | 3.4396% | 4,105 |
| Retained earnings to average equity (ytd only) | -0.4914% | 4,072 |
| Net charge-offs to loans | -0.0530% | 4,653 |
| Credit loss provision to net charge-offs | -1,931.8182% | 3,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3734% | 2,026 |
| Assets per employee ($millions) | 4.4855% | 3,277 |
| Cash dividends to net income (ytd only)* | 114.2857% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 1,587 |
| Loan loss allowance to noncurrent loans | 537.3602% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 3,730 |
| Noncurrent loans to loans | 0.2663% | 3,539 |
| Net loans and leases to total assets | 70.9426% | 2,099 |
| Net loans and leases to deposits | 81.5782% | 2,512 |
| Net loans and leases to core deposits | 84.6056% | 2,797 |
| Total domestic deposits to total assets | 86.9626% | 1,574 |
| Equity capital to assets | 10.5344% | 3,288 |
| Core capital (leverage) ratio | 9.6303% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,939,500 | 2,599 |
| Average earning assets | $215,188,000 | 2,614 |
| Average equity | $24,421,500 | 2,816 |
| Average total loans | $166,160,000 | 2,475 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 2,882 |
| Cost of funding earning assets | 0.6837% | 3,240 |
| Net interest margin | 3.8331% | 2,397 |
| Noninterest income to average assets | 0.5651% | 2,397 |
| Noninterest expense to average assets | 3.0690% | 1,832 |
| Loan and lease loss provision to assets | 0.2211% | 879 |
| Net operating income to assets | 0.7271% | 3,777 |
| Return on assets (ROA) | 0.7092% | 3,906 |
| Pretax return on assets | 0.7371% | 4,120 |
| Return on Equity (ROE) | 6.8091% | 3,626 |
| Retained earnings to average equity (ytd only) | 3.2815% | 3,369 |
| Net charge-offs to loans | 0.2474% | 834 |
| Credit loss provision to net charge-offs | 126.2626% | 2,019 |
| Earnings coverage of net charge-offs (x) | 5.5783% | 3,071 |
| Efficiency ratio | 75.8579% | 1,386 |
| Assets per employee ($millions) | 4.6399% | 3,031 |
| Cash dividends to net income (ytd only)* | 51.8080% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 2,500 |
| Loan loss allowance to noncurrent loans | 782.0000% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 4,099 |
| Noncurrent loans to loans | 0.1520% | 3,918 |
| Net loans and leases to total assets | 68.6685% | 2,588 |
| Net loans and leases to deposits | 78.4475% | 2,960 |
| Net loans and leases to core deposits | 80.8870% | 3,223 |
| Total domestic deposits to total assets | 87.5343% | 1,352 |
| Equity capital to assets | 10.2572% | 3,670 |
| Core capital (leverage) ratio | 9.9288% | 3,593 |
| Tier 1 risk-based capital ratio | 13.5439% | 3,495 |
| Total risk-based capital ratio | 14.7297% | 3,425 |
| Memoranda: | ||
| Average total assets | $226,163,200 | 2,612 |
| Average earning assets | $205,367,000 | 2,655 |
| Average equity | $23,556,600 | 2,832 |
| Average total loans | $160,095,800 | 2,507 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 3,080 |
| Cost of funding earning assets | 0.6928% | 3,248 |
| Net interest margin | 3.7993% | 2,603 |
| Noninterest income to average assets | 0.5803% | 2,309 |
| Noninterest expense to average assets | 3.1277% | 1,646 |
| Loan and lease loss provision to assets | 0.1342% | 1,432 |
| Net operating income to assets | 0.7319% | 3,905 |
| Return on assets (ROA) | 0.7187% | 4,020 |
| Pretax return on assets | 0.7521% | 4,238 |
| Return on Equity (ROE) | 6.8725% | 3,735 |
| Retained earnings to average equity (ytd only) | 3.2680% | 3,777 |
| Net charge-offs to loans | 0.2180% | 814 |
| Credit loss provision to net charge-offs | 86.5385% | 2,431 |
| Earnings coverage of net charge-offs (x) | 5.8038% | 2,884 |
| Efficiency ratio | 77.6544% | 1,135 |
| Assets per employee ($millions) | 4.4217% | 3,316 |
| Cash dividends to net income (ytd only)* | 52.4483% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 2,919 |
| Loan loss allowance to noncurrent loans | 735.2227% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 4,154 |
| Noncurrent loans to loans | 0.1526% | 3,994 |
| Net loans and leases to total assets | 72.3968% | 2,111 |
| Net loans and leases to deposits | 85.8850% | 2,203 |
| Net loans and leases to core deposits | 88.6964% | 2,666 |
| Total domestic deposits to total assets | 84.2950% | 2,714 |
| Equity capital to assets | 10.8733% | 3,228 |
| Core capital (leverage) ratio | 10.0311% | 3,611 |
| Tier 1 risk-based capital ratio | 13.9533% | 3,353 |
| Total risk-based capital ratio | 15.0984% | 3,311 |
| Memoranda: | ||
| Average total assets | $223,545,500 | 2,652 |
| Average earning assets | $202,837,500 | 2,703 |
| Average equity | $23,377,750 | 2,861 |
| Average total loans | $159,007,750 | 2,545 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4158% | 3,292 |
| Cost of funding earning assets | 0.6814% | 3,269 |
| Net interest margin | 3.7344% | 2,817 |
| Noninterest income to average assets | 0.5937% | 2,182 |
| Noninterest expense to average assets | 3.1359% | 1,647 |
| Loan and lease loss provision to assets | 0.1337% | 1,386 |
| Net operating income to assets | 0.6735% | 4,091 |
| Return on assets (ROA) | 0.6650% | 4,168 |
| Pretax return on assets | 0.7006% | 4,326 |
| Return on Equity (ROE) | 6.4429% | 3,895 |
| Retained earnings to average equity (ytd only) | 2.0123% | 4,113 |
| Net charge-offs to loans | 0.3973% | 423 |
| Credit loss provision to net charge-offs | 47.7707% | 2,484 |
| Earnings coverage of net charge-offs (x) | 3.0127% | 2,886 |
| Efficiency ratio | 78.8082% | 1,070 |
| Assets per employee ($millions) | 4.2836% | 3,457 |
| Cash dividends to net income (ytd only)* | 68.7668% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,270 |
| Loan loss allowance to noncurrent loans | 569.5946% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 4,091 |
| Noncurrent loans to loans | 0.1866% | 3,884 |
| Net loans and leases to total assets | 70.4429% | 2,465 |
| Net loans and leases to deposits | 80.9138% | 2,853 |
| Net loans and leases to core deposits | 83.4457% | 3,158 |
| Total domestic deposits to total assets | 87.0592% | 1,574 |
| Equity capital to assets | 10.5933% | 3,444 |
| Core capital (leverage) ratio | 9.8178% | 3,806 |
| Tier 1 risk-based capital ratio | 13.8644% | 3,390 |
| Total risk-based capital ratio | 14.9373% | 3,383 |
| Memoranda: | ||
| Average total assets | $224,366,330 | 2,655 |
| Average earning assets | $203,407,330 | 2,701 |
| Average equity | $23,157,330 | 2,871 |
| Average total loans | $158,052,670 | 2,568 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3709% | 3,337 |
| Cost of funding earning assets | 0.6521% | 3,311 |
| Net interest margin | 3.7188% | 2,819 |
| Noninterest income to average assets | 0.5649% | 2,206 |
| Noninterest expense to average assets | 3.1211% | 1,683 |
| Loan and lease loss provision to assets | 0.1332% | 1,305 |
| Net operating income to assets | 0.6413% | 4,118 |
| Return on assets (ROA) | 0.6413% | 4,156 |
| Pretax return on assets | 0.6839% | 4,336 |
| Return on Equity (ROE) | 6.2952% | 3,920 |
| Retained earnings to average equity (ytd only) | 4.2201% | 3,232 |
| Net charge-offs to loans | 0.7276% | 206 |
| Credit loss provision to net charge-offs | 26.1324% | 2,108 |
| Earnings coverage of net charge-offs (x) | 1.6028% | 2,575 |
| Efficiency ratio | 79.2512% | 1,126 |
| Assets per employee ($millions) | 4.3616% | 3,396 |
| Cash dividends to net income (ytd only)* | 32.9640% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 3,386 |
| Loan loss allowance to noncurrent loans | 658.2329% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 4,251 |
| Noncurrent loans to loans | 0.1602% | 4,026 |
| Net loans and leases to total assets | 69.1272% | 2,607 |
| Net loans and leases to deposits | 78.4099% | 3,018 |
| Net loans and leases to core deposits | 81.0389% | 3,269 |
| Total domestic deposits to total assets | 88.1614% | 1,253 |
| Equity capital to assets | 10.4589% | 3,381 |
| Core capital (leverage) ratio | 9.7528% | 3,866 |
| Tier 1 risk-based capital ratio | 13.9476% | 3,364 |
| Total risk-based capital ratio | 14.9964% | 3,379 |
| Memoranda: | ||
| Average total assets | $225,177,000 | 2,677 |
| Average earning assets | $204,258,000 | 2,722 |
| Average equity | $22,938,000 | 2,889 |
| Average total loans | $157,782,000 | 2,591 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 3,494 |
| Cost of funding earning assets | 0.5015% | 3,345 |
| Net interest margin | 3.6793% | 3,119 |
| Noninterest income to average assets | 0.5816% | 2,394 |
| Noninterest expense to average assets | 3.2133% | 1,517 |
| Loan and lease loss provision to assets | 0.0681% | 2,779 |
| Net operating income to assets | 0.6066% | 4,396 |
| Return on assets (ROA) | 0.5952% | 4,441 |
| Pretax return on assets | 0.6161% | 4,605 |
| Return on Equity (ROE) | 5.8670% | 4,215 |
| Retained earnings to average equity (ytd only) | 1.4142% | 4,569 |
| Net charge-offs to loans | 0.2029% | 943 |
| Credit loss provision to net charge-offs | 48.7013% | 3,209 |
| Earnings coverage of net charge-offs (x) | 4.9773% | 3,238 |
| Efficiency ratio | 82.1972% | 785 |
| Assets per employee ($millions) | 4.4689% | 3,212 |
| Cash dividends to net income (ytd only)* | 75.8963% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 2,796 |
| Loan loss allowance to noncurrent loans | 342.1442% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 3,612 |
| Noncurrent loans to loans | 0.3378% | 3,339 |
| Net loans and leases to total assets | 69.4593% | 2,662 |
| Net loans and leases to deposits | 78.1326% | 3,150 |
| Net loans and leases to core deposits | 80.8744% | 3,359 |
| Total domestic deposits to total assets | 88.8992% | 900 |
| Equity capital to assets | 9.9209% | 3,749 |
| Core capital (leverage) ratio | 9.5066% | 4,106 |
| Tier 1 risk-based capital ratio | 13.4982% | 3,547 |
| Total risk-based capital ratio | 14.6574% | 3,498 |
| Memoranda: | ||
| Average total assets | $220,269,800 | 2,694 |
| Average earning assets | $199,221,200 | 2,727 |
| Average equity | $22,345,200 | 2,877 |
| Average total loans | $151,818,800 | 2,622 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 3,523 |
| Cost of funding earning assets | 0.4343% | 3,636 |
| Net interest margin | 3.6984% | 3,028 |
| Noninterest income to average assets | 0.5886% | 2,373 |
| Noninterest expense to average assets | 3.2111% | 1,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6874% | 4,266 |
| Return on assets (ROA) | 0.6723% | 4,326 |
| Pretax return on assets | 0.7052% | 4,523 |
| Return on Equity (ROE) | 6.5891% | 4,080 |
| Retained earnings to average equity (ytd only) | 1.8313% | 4,627 |
| Net charge-offs to loans | 0.0178% | 2,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 59.0412% | 1,068 |
| Efficiency ratio | 81.6615% | 802 |
| Assets per employee ($millions) | 4.5011% | 3,128 |
| Cash dividends to net income (ytd only)* | 72.2070% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,349 |
| Loan loss allowance to noncurrent loans | 804.8583% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 4,369 |
| Noncurrent loans to loans | 0.1558% | 4,177 |
| Net loans and leases to total assets | 69.5553% | 2,714 |
| Net loans and leases to deposits | 83.7777% | 2,625 |
| Net loans and leases to core deposits | 92.1451% | 2,470 |
| Total domestic deposits to total assets | 83.0236% | 3,302 |
| Equity capital to assets | 9.8936% | 3,739 |
| Core capital (leverage) ratio | 9.8569% | 3,789 |
| Tier 1 risk-based capital ratio | 13.4211% | 3,671 |
| Total risk-based capital ratio | 14.6595% | 3,596 |
| Memoranda: | ||
| Average total assets | $218,359,250 | 2,723 |
| Average earning assets | $197,411,250 | 2,757 |
| Average equity | $22,278,750 | 2,892 |
| Average total loans | $149,734,250 | 2,661 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0919% | 3,479 |
| Cost of funding earning assets | 0.3928% | 3,779 |
| Net interest margin | 3.6991% | 2,929 |
| Noninterest income to average assets | 0.5996% | 2,323 |
| Noninterest expense to average assets | 3.2333% | 1,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6678% | 4,292 |
| Return on assets (ROA) | 0.6450% | 4,370 |
| Pretax return on assets | 0.6802% | 4,557 |
| Return on Equity (ROE) | 6.2559% | 4,151 |
| Retained earnings to average equity (ytd only) | 0.6911% | 4,825 |
| Net charge-offs to loans | 0.0790% | 1,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 13.1207% | 2,164 |
| Efficiency ratio | 82.1152% | 825 |
| Assets per employee ($millions) | 4.2741% | 3,462 |
| Cash dividends to net income (ytd only)* | 88.9527% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,081 |
| Loan loss allowance to noncurrent loans | 435.2679% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 3,915 |
| Noncurrent loans to loans | 0.3030% | 3,618 |
| Net loans and leases to total assets | 66.9300% | 3,023 |
| Net loans and leases to deposits | 77.0627% | 3,249 |
| Net loans and leases to core deposits | 84.8535% | 3,018 |
| Total domestic deposits to total assets | 86.8514% | 1,902 |
| Equity capital to assets | 10.1740% | 3,460 |
| Core capital (leverage) ratio | 9.9325% | 3,658 |
| Tier 1 risk-based capital ratio | 13.8867% | 3,413 |
| Total risk-based capital ratio | 15.1369% | 3,328 |
| Memoranda: | ||
| Average total assets | $216,127,670 | 2,758 |
| Average earning assets | $195,019,000 | 2,800 |
| Average equity | $22,283,000 | 2,905 |
| Average total loans | $146,804,000 | 2,709 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9811% | 3,683 |
| Cost of funding earning assets | 0.3734% | 3,794 |
| Net interest margin | 3.6077% | 3,144 |
| Noninterest income to average assets | 0.5966% | 2,273 |
| Noninterest expense to average assets | 3.3011% | 1,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4977% | 4,700 |
| Return on assets (ROA) | 0.4554% | 4,803 |
| Pretax return on assets | 0.5000% | 4,869 |
| Return on Equity (ROE) | 4.3875% | 4,660 |
| Retained earnings to average equity (ytd only) | 1.1640% | 4,585 |
| Net charge-offs to loans | 0.1559% | 902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.1579% | 2,254 |
| Efficiency ratio | 85.7971% | 663 |
| Assets per employee ($millions) | 3.8954% | 4,157 |
| Cash dividends to net income (ytd only)* | 73.4694% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 2,062 |
| Loan loss allowance to noncurrent loans | 260.8289% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 3,397 |
| Noncurrent loans to loans | 0.5132% | 2,977 |
| Net loans and leases to total assets | 67.1144% | 2,875 |
| Net loans and leases to deposits | 75.8450% | 3,228 |
| Net loans and leases to core deposits | 82.6788% | 3,088 |
| Total domestic deposits to total assets | 88.4889% | 1,358 |
| Equity capital to assets | 10.3666% | 3,202 |
| Core capital (leverage) ratio | 10.0438% | 3,479 |
| Tier 1 risk-based capital ratio | 14.1746% | 3,288 |
| Total risk-based capital ratio | 15.4248% | 3,212 |
| Memoranda: | ||
| Average total assets | $215,203,000 | 2,794 |
| Average earning assets | $193,916,500 | 2,839 |
| Average equity | $22,336,000 | 2,927 |
| Average total loans | $146,285,000 | 2,731 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 3,289 |
| Cost of funding earning assets | 0.3451% | 3,758 |
| Net interest margin | 3.6912% | 2,826 |
| Noninterest income to average assets | 0.6698% | 2,095 |
| Noninterest expense to average assets | 3.3846% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5972% | 4,022 |
| Return on assets (ROA) | 0.6339% | 3,908 |
| Pretax return on assets | 0.6580% | 4,609 |
| Return on Equity (ROE) | 5.9436% | 3,787 |
| Retained earnings to average equity (ytd only) | 0.2388% | 4,927 |
| Net charge-offs to loans | 0.0034% | 3,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 262.8000% | 318 |
| Efficiency ratio | 84.5230% | 730 |
| Assets per employee ($millions) | 4.0030% | 3,953 |
| Cash dividends to net income (ytd only)* | 95.9821% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 1,893 |
| Loan loss allowance to noncurrent loans | 271.3514% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 3,407 |
| Noncurrent loans to loans | 0.5040% | 3,011 |
| Net loans and leases to total assets | 66.9971% | 2,968 |
| Net loans and leases to deposits | 75.5803% | 3,369 |
| Net loans and leases to core deposits | 82.0990% | 3,236 |
| Total domestic deposits to total assets | 88.6436% | 1,172 |
| Equity capital to assets | 10.3914% | 3,280 |
| Core capital (leverage) ratio | 10.2430% | 3,135 |
| Tier 1 risk-based capital ratio | 13.8761% | 3,433 |
| Total risk-based capital ratio | 15.1266% | 3,338 |
| Memoranda: | ||
| Average total assets | $212,018,200 | 2,799 |
| Average earning assets | $191,537,800 | 2,849 |
| Average equity | $22,612,400 | 2,892 |
| Average total loans | $146,516,200 | 2,689 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 3,200 |
| Cost of funding earning assets | 0.3411% | 3,760 |
| Net interest margin | 3.7034% | 2,747 |
| Noninterest income to average assets | 0.6914% | 2,037 |
| Noninterest expense to average assets | 3.3967% | 1,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6089% | 4,357 |
| Return on assets (ROA) | 0.6155% | 4,378 |
| Pretax return on assets | 0.6503% | 4,724 |
| Return on Equity (ROE) | 5.7335% | 4,232 |
| Retained earnings to average equity (ytd only) | 0.2001% | 5,175 |
| Net charge-offs to loans | 0.0091% | 3,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 101.8230% | 682 |
| Efficiency ratio | 84.0763% | 746 |
| Assets per employee ($millions) | 3.6865% | 4,466 |
| Cash dividends to net income (ytd only)* | 96.5094% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 2,026 |
| Loan loss allowance to noncurrent loans | 295.4277% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 3,611 |
| Noncurrent loans to loans | 0.4633% | 3,313 |
| Net loans and leases to total assets | 69.9147% | 2,571 |
| Net loans and leases to deposits | 80.0064% | 2,977 |
| Net loans and leases to core deposits | 87.3782% | 2,836 |
| Total domestic deposits to total assets | 87.3863% | 1,679 |
| Equity capital to assets | 11.0771% | 2,785 |
| Core capital (leverage) ratio | 10.1369% | 3,398 |
| Tier 1 risk-based capital ratio | 13.9677% | 3,460 |
| Total risk-based capital ratio | 15.2184% | 3,377 |
| Memoranda: | ||
| Average total assets | $210,982,750 | 2,835 |
| Average earning assets | $190,776,000 | 2,883 |
| Average equity | $22,650,000 | 2,910 |
| Average total loans | $146,438,000 | 2,709 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 3,262 |
| Cost of funding earning assets | 0.3307% | 3,784 |
| Net interest margin | 3.6536% | 2,825 |
| Noninterest income to average assets | 0.7304% | 1,857 |
| Noninterest expense to average assets | 3.3619% | 1,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6304% | 4,163 |
| Return on assets (ROA) | 0.6400% | 4,173 |
| Pretax return on assets | 0.6852% | 4,591 |
| Return on Equity (ROE) | 6.0237% | 4,037 |
| Retained earnings to average equity (ytd only) | -0.7087% | 5,189 |
| Net charge-offs to loans | 0.0205% | 2,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 47.8000% | 1,109 |
| Efficiency ratio | 83.2828% | 900 |
| Assets per employee ($millions) | 3.6796% | 4,465 |
| Cash dividends to net income (ytd only)* | 111.7647% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 2,060 |
| Loan loss allowance to noncurrent loans | 338.2403% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 3,836 |
| Noncurrent loans to loans | 0.4069% | 3,566 |
| Net loans and leases to total assets | 67.1248% | 2,929 |
| Net loans and leases to deposits | 76.0054% | 3,346 |
| Net loans and leases to core deposits | 83.3901% | 3,136 |
| Total domestic deposits to total assets | 88.3158% | 1,297 |
| Equity capital to assets | 10.6712% | 3,155 |
| Core capital (leverage) ratio | 10.0366% | 3,495 |
| Tier 1 risk-based capital ratio | 13.8188% | 3,522 |
| Total risk-based capital ratio | 15.0694% | 3,445 |
| Memoranda: | ||
| Average total assets | $212,496,000 | 2,829 |
| Average earning assets | $192,305,670 | 2,880 |
| Average equity | $22,577,330 | 2,923 |
| Average total loans | $146,471,670 | 2,709 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9888% | 3,080 |
| Cost of funding earning assets | 0.3248% | 3,805 |
| Net interest margin | 3.6640% | 2,635 |
| Noninterest income to average assets | 0.7885% | 1,597 |
| Noninterest expense to average assets | 3.2636% | 1,449 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7999% | 3,222 |
| Return on assets (ROA) | 0.7999% | 3,277 |
| Pretax return on assets | 0.8451% | 3,953 |
| Return on Equity (ROE) | 7.5448% | 3,142 |
| Retained earnings to average equity (ytd only) | 2.9183% | 3,953 |
| Net charge-offs to loans | 0.0462% | 1,924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 26.3529% | 1,310 |
| Efficiency ratio | 79.4307% | 1,438 |
| Assets per employee ($millions) | 3.7784% | 4,372 |
| Cash dividends to net income (ytd only)* | 61.3208% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 2,310 |
| Loan loss allowance to noncurrent loans | 328.2895% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 3,875 |
| Noncurrent loans to loans | 0.4111% | 3,620 |
| Net loans and leases to total assets | 68.9483% | 2,540 |
| Net loans and leases to deposits | 78.2234% | 2,945 |
| Net loans and leases to core deposits | 86.0595% | 2,703 |
| Total domestic deposits to total assets | 88.1427% | 1,631 |
| Equity capital to assets | 10.7277% | 2,932 |
| Core capital (leverage) ratio | 10.0970% | 3,381 |
| Tier 1 risk-based capital ratio | 13.7592% | 3,626 |
| Total risk-based capital ratio | 15.0096% | 3,531 |
| Memoranda: | ||
| Average total assets | $212,036,000 | 2,868 |
| Average earning assets | $192,138,000 | 2,908 |
| Average equity | $22,479,000 | 2,945 |
| Average total loans | $147,080,500 | 2,732 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1360% | 2,709 |
| Cost of funding earning assets | 0.3477% | 3,537 |
| Net interest margin | 3.7883% | 2,358 |
| Noninterest income to average assets | 0.6808% | 2,258 |
| Noninterest expense to average assets | 3.3612% | 1,440 |
| Loan and lease loss provision to assets | 0.0143% | 4,095 |
| Net operating income to assets | 0.7272% | 3,653 |
| Return on assets (ROA) | 0.7546% | 3,632 |
| Pretax return on assets | 0.7836% | 4,234 |
| Return on Equity (ROE) | 6.9903% | 3,471 |
| Retained earnings to average equity (ytd only) | 0.9262% | 4,949 |
| Net charge-offs to loans | 0.0153% | 3,785 |
| Credit loss provision to net charge-offs | 130.4348% | 2,061 |
| Earnings coverage of net charge-offs (x) | 70.2609% | 786 |
| Efficiency ratio | 81.3739% | 1,273 |
| Assets per employee ($millions) | 3.6634% | 4,527 |
| Cash dividends to net income (ytd only)* | 86.7508% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 2,181 |
| Loan loss allowance to noncurrent loans | 251.7500% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 3,626 |
| Noncurrent loans to loans | 0.5469% | 3,205 |
| Net loans and leases to total assets | 67.8944% | 2,785 |
| Net loans and leases to deposits | 76.7694% | 3,230 |
| Net loans and leases to core deposits | 83.4396% | 3,079 |
| Total domestic deposits to total assets | 88.4394% | 1,414 |
| Equity capital to assets | 10.4758% | 3,182 |
| Core capital (leverage) ratio | 10.4097% | 2,975 |
| Tier 1 risk-based capital ratio | 13.9071% | 3,513 |
| Total risk-based capital ratio | 15.1577% | 3,428 |
| Memoranda: | ||
| Average total assets | $210,044,400 | 2,852 |
| Average earning assets | $191,273,800 | 2,881 |
| Average equity | $22,674,400 | 2,923 |
| Average total loans | $150,794,200 | 2,630 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 2,482 |
| Cost of funding earning assets | 0.3537% | 3,499 |
| Net interest margin | 3.8566% | 2,136 |
| Noninterest income to average assets | 0.6907% | 2,212 |
| Noninterest expense to average assets | 3.4415% | 1,263 |
| Loan and lease loss provision to assets | 0.0191% | 3,863 |
| Net operating income to assets | 0.7074% | 3,805 |
| Return on assets (ROA) | 0.7105% | 3,926 |
| Pretax return on assets | 0.7455% | 4,484 |
| Return on Equity (ROE) | 6.5324% | 3,820 |
| Retained earnings to average equity (ytd only) | -0.6380% | 5,450 |
| Net charge-offs to loans | 0.0105% | 3,560 |
| Credit loss provision to net charge-offs | 250.0000% | 1,196 |
| Earnings coverage of net charge-offs (x) | 99.6644% | 660 |
| Efficiency ratio | 81.8843% | 1,206 |
| Assets per employee ($millions) | 3.6222% | 4,608 |
| Cash dividends to net income (ytd only)* | 109.7671% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 2,136 |
| Loan loss allowance to noncurrent loans | 390.1734% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 4,169 |
| Noncurrent loans to loans | 0.3627% | 3,956 |
| Net loans and leases to total assets | 69.5486% | 2,563 |
| Net loans and leases to deposits | 79.4227% | 3,034 |
| Net loans and leases to core deposits | 87.0391% | 2,840 |
| Total domestic deposits to total assets | 87.5676% | 1,629 |
| Equity capital to assets | 11.1994% | 2,798 |
| Core capital (leverage) ratio | 10.4298% | 3,072 |
| Tier 1 risk-based capital ratio | 14.1102% | 3,501 |
| Total risk-based capital ratio | 15.3613% | 3,423 |
| Memoranda: | ||
| Average total assets | $209,435,500 | 2,876 |
| Average earning assets | $190,731,500 | 2,899 |
| Average equity | $22,778,250 | 2,938 |
| Average total loans | $151,923,750 | 2,618 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 2,371 |
| Cost of funding earning assets | 0.3566% | 3,494 |
| Net interest margin | 3.8809% | 2,044 |
| Noninterest income to average assets | 0.6662% | 2,301 |
| Noninterest expense to average assets | 3.4824% | 1,193 |
| Loan and lease loss provision to assets | 0.0284% | 3,557 |
| Net operating income to assets | 0.6486% | 4,045 |
| Return on assets (ROA) | 0.6530% | 4,177 |
| Pretax return on assets | 0.6984% | 4,623 |
| Return on Equity (ROE) | 6.0618% | 4,019 |
| Retained earnings to average equity (ytd only) | -2.7107% | 5,599 |
| Net charge-offs to loans | 0.0052% | 3,521 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 343 |
| Efficiency ratio | 82.8276% | 1,171 |
| Assets per employee ($millions) | 3.4750% | 4,790 |
| Cash dividends to net income (ytd only)* | 144.7178% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 2,519 |
| Loan loss allowance to noncurrent loans | 1,092.4731% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 4,918 |
| Noncurrent loans to loans | 0.1238% | 4,947 |
| Net loans and leases to total assets | 71.0912% | 2,317 |
| Net loans and leases to deposits | 85.4760% | 2,307 |
| Net loans and leases to core deposits | 94.5879% | 2,102 |
| Total domestic deposits to total assets | 83.1710% | 3,585 |
| Equity capital to assets | 10.8596% | 3,223 |
| Core capital (leverage) ratio | 10.1062% | 3,440 |
| Tier 1 risk-based capital ratio | 13.9274% | 3,643 |
| Total risk-based capital ratio | 15.1782% | 3,565 |
| Memoranda: | ||
| Average total assets | $211,633,670 | 2,871 |
| Average earning assets | $192,947,000 | 2,899 |
| Average equity | $22,798,670 | 2,939 |
| Average total loans | $154,865,670 | 2,591 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 2,448 |
| Cost of funding earning assets | 0.3555% | 3,547 |
| Net interest margin | 3.8493% | 2,108 |
| Noninterest income to average assets | 0.7298% | 1,905 |
| Noninterest expense to average assets | 3.5084% | 1,167 |
| Loan and lease loss provision to assets | 0.0563% | 2,819 |
| Net operating income to assets | 0.6341% | 4,040 |
| Return on assets (ROA) | 0.6341% | 4,157 |
| Pretax return on assets | 0.6792% | 4,591 |
| Return on Equity (ROE) | 5.9099% | 4,033 |
| Retained earnings to average equity (ytd only) | 1.8184% | 4,535 |
| Net charge-offs to loans | -0.0025% | 4,150 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6702% | 1,300 |
| Assets per employee ($millions) | 3.5918% | 4,664 |
| Cash dividends to net income (ytd only)* | 69.2308% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 2,821 |
| Loan loss allowance to noncurrent loans | 743.7956% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 4,952 |
| Noncurrent loans to loans | 0.1770% | 4,776 |
| Net loans and leases to total assets | 73.3216% | 1,831 |
| Net loans and leases to deposits | 86.6068% | 2,001 |
| Net loans and leases to core deposits | 95.7001% | 1,828 |
| Total domestic deposits to total assets | 84.6603% | 3,252 |
| Equity capital to assets | 11.0348% | 2,900 |
| Core capital (leverage) ratio | 10.1793% | 3,337 |
| Tier 1 risk-based capital ratio | 13.6353% | 3,908 |
| Total risk-based capital ratio | 14.8858% | 3,836 |
| Memoranda: | ||
| Average total assets | $213,202,000 | 2,853 |
| Average earning assets | $194,633,500 | 2,879 |
| Average equity | $22,877,000 | 2,938 |
| Average total loans | $157,171,000 | 2,562 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 2,228 |
| Cost of funding earning assets | 0.3510% | 3,691 |
| Net interest margin | 3.9507% | 1,865 |
| Noninterest income to average assets | 0.6682% | 2,356 |
| Noninterest expense to average assets | 3.2681% | 1,795 |
| Loan and lease loss provision to assets | 0.0545% | 3,226 |
| Net operating income to assets | 0.9196% | 2,761 |
| Return on assets (ROA) | 0.9284% | 2,802 |
| Pretax return on assets | 0.9670% | 3,590 |
| Return on Equity (ROE) | 9.0477% | 2,430 |
| Retained earnings to average equity (ytd only) | 2.6944% | 4,154 |
| Net charge-offs to loans | -0.0200% | 5,265 |
| Credit loss provision to net charge-offs | -375.0000% | 5,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3496% | 2,215 |
| Assets per employee ($millions) | 3.5175% | 4,805 |
| Cash dividends to net income (ytd only)* | 70.2200% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 3,126 |
| Loan loss allowance to noncurrent loans | 759.4697% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 4,965 |
| Noncurrent loans to loans | 0.1655% | 4,827 |
| Net loans and leases to total assets | 72.2453% | 2,008 |
| Net loans and leases to deposits | 86.7287% | 2,037 |
| Net loans and leases to core deposits | 95.2425% | 1,918 |
| Total domestic deposits to total assets | 83.3003% | 3,741 |
| Equity capital to assets | 10.4392% | 3,439 |
| Core capital (leverage) ratio | 9.9967% | 3,514 |
| Tier 1 risk-based capital ratio | 13.4532% | 4,029 |
| Total risk-based capital ratio | 14.7033% | 3,969 |
| Memoranda: | ||
| Average total assets | $220,279,800 | 2,740 |
| Average earning assets | $201,405,400 | 2,765 |
| Average equity | $22,602,400 | 2,916 |
| Average total loans | $160,280,200 | 2,464 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 2,149 |
| Cost of funding earning assets | 0.3499% | 3,756 |
| Net interest margin | 3.9768% | 1,780 |
| Noninterest income to average assets | 0.6762% | 2,347 |
| Noninterest expense to average assets | 3.2899% | 1,715 |
| Loan and lease loss provision to assets | 0.0543% | 3,109 |
| Net operating income to assets | 0.9331% | 2,787 |
| Return on assets (ROA) | 0.9389% | 2,862 |
| Pretax return on assets | 0.9751% | 3,712 |
| Return on Equity (ROE) | 9.1895% | 2,474 |
| Retained earnings to average equity (ytd only) | 3.6580% | 3,862 |
| Net charge-offs to loans | -0.0465% | 5,522 |
| Credit loss provision to net charge-offs | -160.7143% | 5,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2738% | 2,201 |
| Assets per employee ($millions) | 3.4543% | 4,887 |
| Cash dividends to net income (ytd only)* | 60.1930% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 3,385 |
| Loan loss allowance to noncurrent loans | 724.6377% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 5,065 |
| Noncurrent loans to loans | 0.1722% | 4,963 |
| Net loans and leases to total assets | 73.8907% | 1,754 |
| Net loans and leases to deposits | 90.9769% | 1,531 |
| Net loans and leases to core deposits | 100.8527% | 1,451 |
| Total domestic deposits to total assets | 81.2192% | 4,417 |
| Equity capital to assets | 10.6619% | 3,397 |
| Core capital (leverage) ratio | 9.8972% | 3,773 |
| Tier 1 risk-based capital ratio | 13.3281% | 4,233 |
| Total risk-based capital ratio | 14.5781% | 4,157 |
| Memoranda: | ||
| Average total assets | $220,829,250 | 2,766 |
| Average earning assets | $201,965,250 | 2,780 |
| Average equity | $22,561,500 | 2,936 |
| Average total loans | $160,460,500 | 2,470 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2819% | 2,230 |
| Cost of funding earning assets | 0.3469% | 3,846 |
| Net interest margin | 3.9349% | 1,873 |
| Noninterest income to average assets | 0.6635% | 2,394 |
| Noninterest expense to average assets | 3.2109% | 1,955 |
| Loan and lease loss provision to assets | 0.0538% | 3,043 |
| Net operating income to assets | 0.9669% | 2,551 |
| Return on assets (ROA) | 0.9756% | 2,617 |
| Pretax return on assets | 1.0078% | 3,555 |
| Return on Equity (ROE) | 9.6837% | 2,212 |
| Retained earnings to average equity (ytd only) | 3.4890% | 3,821 |
| Net charge-offs to loans | -0.0685% | 5,655 |
| Credit loss provision to net charge-offs | -109.0909% | 4,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3102% | 2,494 |
| Assets per employee ($millions) | 3.4543% | 4,883 |
| Cash dividends to net income (ytd only)* | 63.9706% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 3,598 |
| Loan loss allowance to noncurrent loans | 1,312.6667% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 5,356 |
| Noncurrent loans to loans | 0.0940% | 5,367 |
| Net loans and leases to total assets | 72.3993% | 1,915 |
| Net loans and leases to deposits | 89.1637% | 1,699 |
| Net loans and leases to core deposits | 98.4079% | 1,619 |
| Total domestic deposits to total assets | 81.1982% | 4,548 |
| Equity capital to assets | 10.3502% | 3,618 |
| Core capital (leverage) ratio | 9.5644% | 4,187 |
| Tier 1 risk-based capital ratio | 13.0392% | 4,496 |
| Total risk-based capital ratio | 14.2761% | 4,423 |
| Memoranda: | ||
| Average total assets | $223,050,670 | 2,765 |
| Average earning assets | $204,069,000 | 2,768 |
| Average equity | $22,470,670 | 2,955 |
| Average total loans | $160,531,330 | 2,477 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 2,481 |
| Cost of funding earning assets | 0.3445% | 3,933 |
| Net interest margin | 3.8498% | 2,067 |
| Noninterest income to average assets | 0.5971% | 2,663 |
| Noninterest expense to average assets | 3.0616% | 2,390 |
| Loan and lease loss provision to assets | 0.0532% | 2,881 |
| Net operating income to assets | 0.9780% | 2,348 |
| Return on assets (ROA) | 0.9780% | 2,482 |
| Pretax return on assets | 1.0063% | 3,470 |
| Return on Equity (ROE) | 9.8378% | 2,077 |
| Retained earnings to average equity (ytd only) | 6.6298% | 2,175 |
| Net charge-offs to loans | -0.1888% | 6,042 |
| Credit loss provision to net charge-offs | -39.4737% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2906% | 2,769 |
| Assets per employee ($millions) | 3.6420% | 4,628 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 3,968 |
| Loan loss allowance to noncurrent loans | 862.9956% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 5,539 |
| Noncurrent loans to loans | 0.1393% | 5,275 |
| Net loans and leases to total assets | 72.4601% | 1,740 |
| Net loans and leases to deposits | 87.5694% | 1,662 |
| Net loans and leases to core deposits | 96.2580% | 1,598 |
| Total domestic deposits to total assets | 82.7458% | 4,254 |
| Equity capital to assets | 10.2178% | 3,861 |
| Core capital (leverage) ratio | 9.2364% | 4,666 |
| Tier 1 risk-based capital ratio | 13.0369% | 4,585 |
| Total risk-based capital ratio | 14.2686% | 4,510 |
| Memoranda: | ||
| Average total assets | $225,767,000 | 2,759 |
| Average earning assets | $206,662,500 | 2,764 |
| Average equity | $22,444,000 | 2,979 |
| Average total loans | $161,035,500 | 2,480 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 2,667 |
| Cost of funding earning assets | 0.3695% | 4,045 |
| Net interest margin | 3.9141% | 2,184 |
| Noninterest income to average assets | 0.6942% | 2,332 |
| Noninterest expense to average assets | 3.3401% | 1,823 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8634% | 3,048 |
| Return on assets (ROA) | 0.8849% | 3,031 |
| Pretax return on assets | 0.9219% | 3,819 |
| Return on Equity (ROE) | 8.6795% | 2,740 |
| Retained earnings to average equity (ytd only) | 3.7643% | 3,540 |
| Net charge-offs to loans | -0.0406% | 5,864 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7849% | 2,093 |
| Assets per employee ($millions) | 3.6408% | 4,643 |
| Cash dividends to net income (ytd only)* | 56.6297% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 4,195 |
| Loan loss allowance to noncurrent loans | 795.7082% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 5,591 |
| Noncurrent loans to loans | 0.1464% | 5,308 |
| Net loans and leases to total assets | 68.5695% | 2,480 |
| Net loans and leases to deposits | 82.8108% | 2,364 |
| Net loans and leases to core deposits | 90.7884% | 2,201 |
| Total domestic deposits to total assets | 82.8027% | 4,143 |
| Equity capital to assets | 9.6733% | 4,505 |
| Core capital (leverage) ratio | 9.5404% | 4,187 |
| Tier 1 risk-based capital ratio | 12.5288% | 5,022 |
| Total risk-based capital ratio | 13.6694% | 5,002 |
| Memoranda: | ||
| Average total assets | $213,913,800 | 2,844 |
| Average earning assets | $193,758,600 | 2,869 |
| Average equity | $21,810,000 | 2,970 |
| Average total loans | $147,636,800 | 2,604 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 2,518 |
| Cost of funding earning assets | 0.3850% | 3,957 |
| Net interest margin | 3.9412% | 2,072 |
| Noninterest income to average assets | 0.7249% | 2,203 |
| Noninterest expense to average assets | 3.3902% | 1,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8684% | 3,083 |
| Return on assets (ROA) | 0.8918% | 3,051 |
| Pretax return on assets | 0.9198% | 3,904 |
| Return on Equity (ROE) | 8.6265% | 2,890 |
| Retained earnings to average equity (ytd only) | 4.0400% | 3,777 |
| Net charge-offs to loans | -0.1464% | 6,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1025% | 2,039 |
| Assets per employee ($millions) | 3.2086% | 5,410 |
| Cash dividends to net income (ytd only)* | 53.1674% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 3,620 |
| Loan loss allowance to noncurrent loans | 2,959.0909% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 5,999 |
| Noncurrent loans to loans | 0.0441% | 5,835 |
| Net loans and leases to total assets | 70.8613% | 2,043 |
| Net loans and leases to deposits | 87.8457% | 1,695 |
| Net loans and leases to core deposits | 97.1644% | 1,580 |
| Total domestic deposits to total assets | 80.6656% | 4,924 |
| Equity capital to assets | 10.5662% | 3,477 |
| Core capital (leverage) ratio | 9.8745% | 3,845 |
| Tier 1 risk-based capital ratio | 13.0786% | 4,811 |
| Total risk-based capital ratio | 14.3287% | 4,741 |
| Memoranda: | ||
| Average total assets | $210,049,000 | 2,901 |
| Average earning assets | $189,785,500 | 2,934 |
| Average equity | $21,715,500 | 2,983 |
| Average total loans | $144,762,500 | 2,653 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3398% | 2,429 |
| Cost of funding earning assets | 0.4106% | 3,767 |
| Net interest margin | 3.9292% | 2,048 |
| Noninterest income to average assets | 0.7134% | 2,218 |
| Noninterest expense to average assets | 3.3741% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8571% | 3,031 |
| Return on assets (ROA) | 0.8663% | 3,062 |
| Pretax return on assets | 0.8939% | 3,908 |
| Return on Equity (ROE) | 8.4412% | 2,870 |
| Retained earnings to average equity (ytd only) | 5.2295% | 2,813 |
| Net charge-offs to loans | -0.2208% | 6,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2327% | 2,132 |
| Assets per employee ($millions) | 3.1575% | 5,491 |
| Cash dividends to net income (ytd only)* | 38.0482% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 3,612 |
| Loan loss allowance to noncurrent loans | 2,145.0549% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 6,063 |
| Noncurrent loans to loans | 0.0627% | 5,838 |
| Net loans and leases to total assets | 68.6885% | 2,294 |
| Net loans and leases to deposits | 84.0864% | 2,030 |
| Net loans and leases to core deposits | 94.0622% | 1,770 |
| Total domestic deposits to total assets | 81.6880% | 4,755 |
| Equity capital to assets | 10.5723% | 3,349 |
| Core capital (leverage) ratio | 9.7546% | 3,955 |
| Tier 1 risk-based capital ratio | 13.1125% | 4,841 |
| Total risk-based capital ratio | 14.3625% | 4,773 |
| Memoranda: | ||
| Average total assets | $210,545,000 | 2,907 |
| Average earning assets | $189,962,330 | 2,950 |
| Average equity | $21,608,330 | 2,988 |
| Average total loans | $143,102,670 | 2,686 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 2,630 |
| Cost of funding earning assets | 0.4513% | 3,414 |
| Net interest margin | 3.8202% | 2,385 |
| Noninterest income to average assets | 0.6597% | 2,404 |
| Noninterest expense to average assets | 3.4136% | 1,663 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6597% | 3,895 |
| Return on assets (ROA) | 0.6597% | 3,991 |
| Pretax return on assets | 0.6861% | 4,534 |
| Return on Equity (ROE) | 6.5244% | 3,735 |
| Retained earnings to average equity (ytd only) | 2.6920% | 4,467 |
| Net charge-offs to loans | -0.1210% | 6,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2642% | 1,759 |
| Assets per employee ($millions) | 3.1823% | 5,553 |
| Cash dividends to net income (ytd only)* | 58.7393% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 4,140 |
| Loan loss allowance to noncurrent loans | 365.9363% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 5,233 |
| Noncurrent loans to loans | 0.3544% | 5,057 |
| Net loans and leases to total assets | 67.5979% | 2,283 |
| Net loans and leases to deposits | 80.6003% | 2,214 |
| Net loans and leases to core deposits | 89.7247% | 1,934 |
| Total domestic deposits to total assets | 83.8681% | 4,320 |
| Equity capital to assets | 10.4259% | 3,325 |
| Core capital (leverage) ratio | 9.4054% | 4,416 |
| Tier 1 risk-based capital ratio | 13.1516% | 4,921 |
| Total risk-based capital ratio | 14.3788% | 4,869 |
| Memoranda: | ||
| Average total assets | $211,621,000 | 2,901 |
| Average earning assets | $190,567,500 | 2,963 |
| Average equity | $21,396,500 | 3,004 |
| Average total loans | $142,107,000 | 2,700 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3782% | 2,665 |
| Cost of funding earning assets | 0.5200% | 3,397 |
| Net interest margin | 3.8582% | 2,437 |
| Noninterest income to average assets | 0.7238% | 2,416 |
| Noninterest expense to average assets | 3.3951% | 1,893 |
| Loan and lease loss provision to assets | 0.0072% | 4,981 |
| Net operating income to assets | 0.7744% | 3,422 |
| Return on assets (ROA) | 0.8001% | 3,391 |
| Pretax return on assets | 0.8154% | 4,090 |
| Return on Equity (ROE) | 7.9041% | 3,077 |
| Retained earnings to average equity (ytd only) | 3.0947% | 4,032 |
| Net charge-offs to loans | -0.0430% | 6,299 |
| Credit loss provision to net charge-offs | -26.3158% | 5,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0011% | 2,024 |
| Assets per employee ($millions) | 3.2787% | 5,328 |
| Cash dividends to net income (ytd only)* | 60.8462% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 4,355 |
| Loan loss allowance to noncurrent loans | 327.3723% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 5,311 |
| Noncurrent loans to loans | 0.3844% | 5,044 |
| Net loans and leases to total assets | 65.0471% | 2,852 |
| Net loans and leases to deposits | 81.3524% | 2,272 |
| Net loans and leases to core deposits | 90.0228% | 2,023 |
| Total domestic deposits to total assets | 79.9571% | 5,453 |
| Equity capital to assets | 9.8096% | 4,028 |
| Core capital (leverage) ratio | 9.3829% | 4,429 |
| Tier 1 risk-based capital ratio | 12.8851% | 5,060 |
| Total risk-based capital ratio | 14.0679% | 5,051 |
| Memoranda: | ||
| Average total assets | $209,713,400 | 2,915 |
| Average earning assets | $188,479,600 | 2,969 |
| Average equity | $21,229,600 | 3,008 |
| Average total loans | $132,537,400 | 2,813 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 2,631 |
| Cost of funding earning assets | 0.5332% | 3,437 |
| Net interest margin | 3.8557% | 2,439 |
| Noninterest income to average assets | 0.7594% | 2,323 |
| Noninterest expense to average assets | 3.4370% | 1,747 |
| Loan and lease loss provision to assets | 0.0096% | 4,794 |
| Net operating income to assets | 0.7365% | 3,669 |
| Return on assets (ROA) | 0.7639% | 3,667 |
| Pretax return on assets | 0.8081% | 4,261 |
| Return on Equity (ROE) | 7.4860% | 3,384 |
| Retained earnings to average equity (ytd only) | 2.1667% | 5,016 |
| Net charge-offs to loans | -0.0595% | 6,367 |
| Credit loss provision to net charge-offs | -25.8621% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3315% | 1,926 |
| Assets per employee ($millions) | 3.3743% | 5,122 |
| Cash dividends to net income (ytd only)* | 71.0575% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 4,457 |
| Loan loss allowance to noncurrent loans | 614.7260% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 5,948 |
| Noncurrent loans to loans | 0.2096% | 5,716 |
| Net loans and leases to total assets | 64.6812% | 2,884 |
| Net loans and leases to deposits | 85.0049% | 1,742 |
| Net loans and leases to core deposits | 95.7374% | 1,412 |
| Total domestic deposits to total assets | 76.0911% | 6,157 |
| Equity capital to assets | 9.8289% | 4,137 |
| Core capital (leverage) ratio | 9.3977% | 4,532 |
| Tier 1 risk-based capital ratio | 13.2550% | 4,933 |
| Total risk-based capital ratio | 14.4922% | 4,890 |
| Memoranda: | ||
| Average total assets | $208,044,000 | 2,949 |
| Average earning assets | $187,041,500 | 3,020 |
| Average equity | $21,230,250 | 3,051 |
| Average total loans | $130,034,250 | 2,882 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 2,724 |
| Cost of funding earning assets | 0.5480% | 3,441 |
| Net interest margin | 3.8108% | 2,511 |
| Noninterest income to average assets | 0.8008% | 2,181 |
| Noninterest expense to average assets | 3.4852% | 1,640 |
| Loan and lease loss provision to assets | 0.0145% | 4,596 |
| Net operating income to assets | 0.6801% | 3,904 |
| Return on assets (ROA) | 0.6846% | 4,046 |
| Pretax return on assets | 0.7272% | 4,586 |
| Return on Equity (ROE) | 6.6253% | 3,814 |
| Retained earnings to average equity (ytd only) | -0.1406% | 5,879 |
| Net charge-offs to loans | 0.0158% | 4,522 |
| Credit loss provision to net charge-offs | 150.0000% | 1,535 |
| Earnings coverage of net charge-offs (x) | 76.1000% | 595 |
| Efficiency ratio | 82.5459% | 1,817 |
| Assets per employee ($millions) | 3.0803% | 5,717 |
| Cash dividends to net income (ytd only)* | 102.1216% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 4,402 |
| Loan loss allowance to noncurrent loans | 325.2354% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 5,704 |
| Noncurrent loans to loans | 0.4059% | 5,248 |
| Net loans and leases to total assets | 63.4908% | 3,008 |
| Net loans and leases to deposits | 80.2255% | 2,290 |
| Net loans and leases to core deposits | 91.0385% | 1,806 |
| Total domestic deposits to total assets | 79.1404% | 5,785 |
| Equity capital to assets | 10.2321% | 3,622 |
| Core capital (leverage) ratio | 9.4112% | 4,374 |
| Tier 1 risk-based capital ratio | 13.6240% | 4,695 |
| Total risk-based capital ratio | 14.8708% | 4,657 |
| Memoranda: | ||
| Average total assets | $206,532,670 | 2,984 |
| Average earning assets | $185,418,000 | 3,044 |
| Average equity | $21,342,330 | 3,058 |
| Average total loans | $126,948,000 | 2,939 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 3,243 |
| Cost of funding earning assets | 0.5546% | 3,526 |
| Net interest margin | 3.6596% | 3,039 |
| Noninterest income to average assets | 0.8110% | 2,083 |
| Noninterest expense to average assets | 3.5283% | 1,562 |
| Loan and lease loss provision to assets | 0.0288% | 4,095 |
| Net operating income to assets | 0.5016% | 4,647 |
| Return on assets (ROA) | 0.5016% | 4,799 |
| Pretax return on assets | 0.5381% | 5,154 |
| Return on Equity (ROE) | 4.8305% | 4,674 |
| Retained earnings to average equity (ytd only) | 2.9798% | 4,496 |
| Net charge-offs to loans | -0.0096% | 5,423 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1567% | 1,495 |
| Assets per employee ($millions) | 3.1172% | 5,793 |
| Cash dividends to net income (ytd only)* | 38.3142% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 4,255 |
| Loan loss allowance to noncurrent loans | 328.3019% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 5,531 |
| Noncurrent loans to loans | 0.4252% | 5,356 |
| Net loans and leases to total assets | 59.7435% | 3,478 |
| Net loans and leases to deposits | 71.9580% | 3,185 |
| Net loans and leases to core deposits | 80.9781% | 2,700 |
| Total domestic deposits to total assets | 83.0255% | 4,845 |
| Equity capital to assets | 10.5571% | 3,484 |
| Core capital (leverage) ratio | 9.3642% | 4,297 |
| Tier 1 risk-based capital ratio | 14.1867% | 4,373 |
| Total risk-based capital ratio | 15.4371% | 4,338 |
| Memoranda: | ||
| Average total assets | $208,148,000 | 2,995 |
| Average earning assets | $186,797,000 | 3,058 |
| Average equity | $21,612,500 | 3,069 |
| Average total loans | $125,019,500 | 2,989 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 2,476 |
| Cost of funding earning assets | 0.6588% | 3,845 |
| Net interest margin | 4.0713% | 2,115 |
| Noninterest income to average assets | 0.8807% | 1,928 |
| Noninterest expense to average assets | 3.4295% | 1,988 |
| Loan and lease loss provision to assets | 0.0447% | 5,290 |
| Net operating income to assets | 1.0137% | 2,277 |
| Return on assets (ROA) | 1.0232% | 2,451 |
| Pretax return on assets | 1.0614% | 3,313 |
| Return on Equity (ROE) | 9.7729% | 2,277 |
| Retained earnings to average equity (ytd only) | 4.5095% | 3,056 |
| Net charge-offs to loans | 0.2229% | 3,613 |
| Credit loss provision to net charge-offs | 32.6087% | 5,073 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,494 |
| Efficiency ratio | 75.7789% | 2,784 |
| Assets per employee ($millions) | 3.2394% | 5,539 |
| Cash dividends to net income (ytd only)* | 53.8574% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 4,290 |
| Loan loss allowance to noncurrent loans | 327.3764% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 5,621 |
| Noncurrent loans to loans | 0.4195% | 5,440 |
| Net loans and leases to total assets | 58.7306% | 3,849 |
| Net loans and leases to deposits | 70.4450% | 3,647 |
| Net loans and leases to core deposits | 78.5215% | 3,195 |
| Total domestic deposits to total assets | 83.3709% | 4,573 |
| Equity capital to assets | 10.2133% | 3,873 |
| Core capital (leverage) ratio | 9.6030% | 3,959 |
| Tier 1 risk-based capital ratio | 14.1027% | 4,308 |
| Total risk-based capital ratio | 15.3474% | 4,268 |
| Memoranda: | ||
| Average total assets | $201,428,600 | 3,020 |
| Average earning assets | $180,334,600 | 3,084 |
| Average equity | $21,089,000 | 3,084 |
| Average total loans | $123,818,400 | 3,008 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 2,370 |
| Cost of funding earning assets | 0.6830% | 3,916 |
| Net interest margin | 4.1241% | 2,009 |
| Noninterest income to average assets | 0.8978% | 1,832 |
| Noninterest expense to average assets | 3.3830% | 2,047 |
| Loan and lease loss provision to assets | 0.0603% | 4,966 |
| Net operating income to assets | 1.1190% | 2,026 |
| Return on assets (ROA) | 1.1288% | 2,187 |
| Pretax return on assets | 1.1636% | 3,119 |
| Return on Equity (ROE) | 10.7121% | 2,058 |
| Retained earnings to average equity (ytd only) | 4.2950% | 3,864 |
| Net charge-offs to loans | 0.2884% | 2,997 |
| Credit loss provision to net charge-offs | 33.7079% | 4,730 |
| Earnings coverage of net charge-offs (x) | 6.7903% | 2,712 |
| Efficiency ratio | 73.5945% | 3,048 |
| Assets per employee ($millions) | 3.0445% | 5,974 |
| Cash dividends to net income (ytd only)* | 59.9051% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 4,309 |
| Loan loss allowance to noncurrent loans | 407.2941% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 5,897 |
| Noncurrent loans to loans | 0.3474% | 5,781 |
| Net loans and leases to total assets | 61.8965% | 3,398 |
| Net loans and leases to deposits | 75.2970% | 3,093 |
| Net loans and leases to core deposits | 84.6623% | 2,623 |
| Total domestic deposits to total assets | 82.2031% | 4,951 |
| Equity capital to assets | 10.9301% | 3,344 |
| Core capital (leverage) ratio | 9.5008% | 4,269 |
| Tier 1 risk-based capital ratio | 14.2710% | 4,344 |
| Total risk-based capital ratio | 15.5216% | 4,304 |
| Memoranda: | ||
| Average total assets | $199,146,250 | 3,087 |
| Average earning assets | $178,621,250 | 3,151 |
| Average equity | $20,985,000 | 3,120 |
| Average total loans | $123,427,000 | 3,044 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 2,358 |
| Cost of funding earning assets | 0.7042% | 3,980 |
| Net interest margin | 4.1308% | 1,967 |
| Noninterest income to average assets | 0.8625% | 1,921 |
| Noninterest expense to average assets | 3.2735% | 2,378 |
| Loan and lease loss provision to assets | 0.0598% | 4,902 |
| Net operating income to assets | 1.2108% | 1,679 |
| Return on assets (ROA) | 1.2255% | 1,819 |
| Pretax return on assets | 1.2524% | 2,719 |
| Return on Equity (ROE) | 11.7715% | 1,742 |
| Retained earnings to average equity (ytd only) | 3.0554% | 4,608 |
| Net charge-offs to loans | 0.0081% | 5,359 |
| Credit loss provision to net charge-offs | 1,200.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 260.2000% | 166 |
| Efficiency ratio | 71.6187% | 3,495 |
| Assets per employee ($millions) | 3.1214% | 5,798 |
| Cash dividends to net income (ytd only)* | 74.0439% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 3,633 |
| Loan loss allowance to noncurrent loans | 255.5990% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 5,794 |
| Noncurrent loans to loans | 0.6228% | 5,264 |
| Net loans and leases to total assets | 60.7450% | 3,673 |
| Net loans and leases to deposits | 72.7927% | 3,486 |
| Net loans and leases to core deposits | 82.1925% | 2,936 |
| Total domestic deposits to total assets | 83.4493% | 4,555 |
| Equity capital to assets | 10.4957% | 3,697 |
| Core capital (leverage) ratio | 9.2628% | 4,511 |
| Tier 1 risk-based capital ratio | 13.9008% | 4,523 |
| Total risk-based capital ratio | 15.1542% | 4,493 |
| Memoranda: | ||
| Average total assets | $200,579,000 | 3,075 |
| Average earning assets | $180,060,670 | 3,128 |
| Average equity | $20,881,000 | 3,120 |
| Average total loans | $123,791,000 | 3,056 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 2,551 |
| Cost of funding earning assets | 0.7652% | 3,748 |
| Net interest margin | 4.0565% | 2,269 |
| Noninterest income to average assets | 0.9095% | 1,706 |
| Noninterest expense to average assets | 3.2261% | 2,516 |
| Loan and lease loss provision to assets | 0.0597% | 4,664 |
| Net operating income to assets | 1.2598% | 1,573 |
| Return on assets (ROA) | 1.2598% | 1,743 |
| Pretax return on assets | 1.2638% | 2,678 |
| Return on Equity (ROE) | 12.1509% | 1,630 |
| Retained earnings to average equity (ytd only) | 12.1509% | 805 |
| Net charge-offs to loans | 0.0387% | 4,155 |
| Credit loss provision to net charge-offs | 250.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 55.4167% | 585 |
| Efficiency ratio | 70.9099% | 3,639 |
| Assets per employee ($millions) | 3.1075% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 3,843 |
| Loan loss allowance to noncurrent loans | 401.2500% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 6,195 |
| Noncurrent loans to loans | 0.3916% | 5,891 |
| Net loans and leases to total assets | 60.6643% | 3,518 |
| Net loans and leases to deposits | 72.3254% | 3,379 |
| Net loans and leases to core deposits | 82.0298% | 2,831 |
| Total domestic deposits to total assets | 83.8770% | 4,555 |
| Equity capital to assets | 10.6455% | 3,329 |
| Core capital (leverage) ratio | 9.3571% | 4,269 |
| Tier 1 risk-based capital ratio | 14.1333% | 4,368 |
| Total risk-based capital ratio | 15.3861% | 4,332 |
| Memoranda: | ||
| Average total assets | $200,984,500 | 3,094 |
| Average earning assets | $180,352,000 | 3,141 |
| Average equity | $20,838,000 | 3,127 |
| Average total loans | $124,030,500 | 3,061 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1442% | 2,272 |
| Cost of funding earning assets | 1.0498% | 3,017 |
| Net interest margin | 4.0944% | 2,448 |
| Noninterest income to average assets | 0.8056% | 2,028 |
| Noninterest expense to average assets | 3.5146% | 1,946 |
| Loan and lease loss provision to assets | 0.2921% | 3,325 |
| Net operating income to assets | 0.6141% | 3,923 |
| Return on assets (ROA) | 0.6313% | 4,027 |
| Pretax return on assets | 0.6650% | 4,455 |
| Return on Equity (ROE) | 6.0821% | 3,833 |
| Retained earnings to average equity (ytd only) | 3.8032% | 3,510 |
| Net charge-offs to loans | 0.5394% | 2,854 |
| Credit loss provision to net charge-offs | 83.1610% | 4,322 |
| Earnings coverage of net charge-offs (x) | 2.6736% | 3,873 |
| Efficiency ratio | 78.9167% | 2,468 |
| Assets per employee ($millions) | 3.3293% | 5,433 |
| Cash dividends to net income (ytd only)* | 37.4692% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5205% | 3,933 |
| Loan loss allowance to noncurrent loans | 330.6759% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 5,851 |
| Noncurrent loans to loans | 0.4598% | 5,791 |
| Net loans and leases to total assets | 60.8491% | 3,820 |
| Net loans and leases to deposits | 74.0632% | 3,492 |
| Net loans and leases to core deposits | 83.0869% | 3,009 |
| Total domestic deposits to total assets | 82.1583% | 5,074 |
| Equity capital to assets | 10.0962% | 4,040 |
| Core capital (leverage) ratio | 9.2736% | 4,366 |
| Tier 1 risk-based capital ratio | 13.3474% | 4,807 |
| Total risk-based capital ratio | 14.5999% | 4,777 |
| Memoranda: | ||
| Average total assets | $192,769,200 | 3,147 |
| Average earning assets | $171,746,000 | 3,207 |
| Average equity | $20,009,400 | 3,145 |
| Average total loans | $125,501,200 | 3,071 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2319% | 2,091 |
| Cost of funding earning assets | 1.1156% | 2,876 |
| Net interest margin | 4.1163% | 2,408 |
| Noninterest income to average assets | 0.8090% | 2,016 |
| Noninterest expense to average assets | 3.5795% | 1,757 |
| Loan and lease loss provision to assets | 0.3947% | 2,492 |
| Net operating income to assets | 0.4649% | 4,700 |
| Return on assets (ROA) | 0.4879% | 4,786 |
| Pretax return on assets | 0.5195% | 5,092 |
| Return on Equity (ROE) | 4.6666% | 4,684 |
| Retained earnings to average equity (ytd only) | 3.9558% | 3,903 |
| Net charge-offs to loans | 0.6023% | 2,451 |
| Credit loss provision to net charge-offs | 99.2945% | 3,442 |
| Earnings coverage of net charge-offs (x) | 2.2381% | 4,010 |
| Efficiency ratio | 80.0941% | 2,242 |
| Assets per employee ($millions) | 3.0292% | 6,052 |
| Cash dividends to net income (ytd only)* | 15.2299% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 3,308 |
| Loan loss allowance to noncurrent loans | 260.3871% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.9527% | 4,840 |
| Noncurrent loans to loans | 0.6495% | 5,588 |
| Net loans and leases to total assets | 60.5073% | 4,041 |
| Net loans and leases to deposits | 74.6630% | 3,562 |
| Net loans and leases to core deposits | 85.6576% | 2,822 |
| Total domestic deposits to total assets | 81.0405% | 5,418 |
| Equity capital to assets | 10.5692% | 3,620 |
| Core capital (leverage) ratio | 9.2131% | 4,607 |
| Tier 1 risk-based capital ratio | 13.6749% | 4,597 |
| Total risk-based capital ratio | 14.9288% | 4,564 |
| Memoranda: | ||
| Average total assets | $190,190,000 | 3,199 |
| Average earning assets | $169,111,500 | 3,269 |
| Average equity | $19,885,750 | 3,165 |
| Average total loans | $125,505,500 | 3,090 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3063% | 1,866 |
| Cost of funding earning assets | 1.1800% | 2,709 |
| Net interest margin | 4.1264% | 2,312 |
| Noninterest income to average assets | 0.7980% | 2,027 |
| Noninterest expense to average assets | 3.4927% | 1,998 |
| Loan and lease loss provision to assets | 0.4498% | 2,170 |
| Net operating income to assets | 0.4976% | 4,509 |
| Return on assets (ROA) | 0.5324% | 4,513 |
| Pretax return on assets | 0.5641% | 4,866 |
| Return on Equity (ROE) | 5.1107% | 4,399 |
| Retained earnings to average equity (ytd only) | 5.1107% | 2,934 |
| Net charge-offs to loans | 0.4609% | 2,737 |
| Credit loss provision to net charge-offs | 144.5578% | 2,120 |
| Earnings coverage of net charge-offs (x) | 3.1395% | 3,287 |
| Efficiency ratio | 78.1435% | 2,687 |
| Assets per employee ($millions) | 3.1135% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 3,118 |
| Loan loss allowance to noncurrent loans | 88.9302% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.3723% | 4,162 |
| Noncurrent loans to loans | 1.9800% | 3,512 |
| Net loans and leases to total assets | 62.2258% | 3,841 |
| Net loans and leases to deposits | 76.7314% | 3,335 |
| Net loans and leases to core deposits | 87.4962% | 2,703 |
| Total domestic deposits to total assets | 81.0955% | 5,492 |
| Equity capital to assets | 10.5010% | 3,500 |
| Core capital (leverage) ratio | 9.3007% | 4,252 |
| Tier 1 risk-based capital ratio | 13.4048% | 4,605 |
| Total risk-based capital ratio | 14.6598% | 4,590 |
| Memoranda: | ||
| Average total assets | $188,964,670 | 3,240 |
| Average earning assets | $168,138,670 | 3,309 |
| Average equity | $19,684,330 | 3,175 |
| Average total loans | $127,567,000 | 3,081 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3861% | 1,610 |
| Cost of funding earning assets | 1.2669% | 2,382 |
| Net interest margin | 4.1192% | 2,195 |
| Noninterest income to average assets | 0.9865% | 1,367 |
| Noninterest expense to average assets | 3.5158% | 1,962 |
| Loan and lease loss provision to assets | 0.5350% | 1,625 |
| Net operating income to assets | 0.5612% | 4,228 |
| Return on assets (ROA) | 0.6120% | 4,042 |
| Pretax return on assets | 0.6420% | 4,527 |
| Return on Equity (ROE) | 5.8996% | 3,963 |
| Retained earnings to average equity (ytd only) | 5.8996% | 2,701 |
| Net charge-offs to loans | 0.6328% | 1,938 |
| Credit loss provision to net charge-offs | 121.3592% | 2,251 |
| Earnings coverage of net charge-offs (x) | 2.5485% | 3,062 |
| Efficiency ratio | 75.7841% | 3,188 |
| Assets per employee ($millions) | 2.9083% | 6,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 3,603 |
| Loan loss allowance to noncurrent loans | 123.5646% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.9083% | 5,084 |
| Noncurrent loans to loans | 1.3194% | 4,496 |
| Net loans and leases to total assets | 65.9409% | 3,027 |
| Net loans and leases to deposits | 81.7168% | 2,412 |
| Net loans and leases to core deposits | 92.4205% | 2,080 |
| Total domestic deposits to total assets | 80.6945% | 5,749 |
| Equity capital to assets | 10.5301% | 3,152 |
| Core capital (leverage) ratio | 9.4932% | 3,819 |
| Tier 1 risk-based capital ratio | 12.9953% | 4,827 |
| Total risk-based capital ratio | 14.2487% | 4,814 |
| Memoranda: | ||
| Average total assets | $186,927,500 | 3,285 |
| Average earning assets | $165,760,500 | 3,367 |
| Average equity | $19,391,000 | 3,207 |
| Average total loans | $130,214,000 | 3,060 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7316% | 1,460 |
| Cost of funding earning assets | 1.3056% | 3,847 |
| Net interest margin | 4.4260% | 1,411 |
| Noninterest income to average assets | 0.7966% | 2,307 |
| Noninterest expense to average assets | 3.4908% | 2,206 |
| Loan and lease loss provision to assets | 0.5832% | 2,803 |
| Net operating income to assets | 0.6319% | 3,522 |
| Return on assets (ROA) | 0.7033% | 3,345 |
| Pretax return on assets | 0.7305% | 3,869 |
| Return on Equity (ROE) | 7.3543% | 2,946 |
| Retained earnings to average equity (ytd only) | 6.9520% | 1,345 |
| Net charge-offs to loans | 1.1793% | 1,889 |
| Credit loss provision to net charge-offs | 68.7424% | 5,899 |
| Earnings coverage of net charge-offs (x) | 1.4607% | 4,661 |
| Efficiency ratio | 73.7989% | 3,441 |
| Assets per employee ($millions) | 2.9809% | 6,145 |
| Cash dividends to net income (ytd only)* | 5.4705% | 3,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 3,940 |
| Loan loss allowance to noncurrent loans | 170.6329% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.8511% | 5,304 |
| Noncurrent loans to loans | 0.8863% | 5,286 |
| Net loans and leases to total assets | 71.2525% | 2,246 |
| Net loans and leases to deposits | 89.4169% | 1,597 |
| Net loans and leases to core deposits | 98.5069% | 1,751 |
| Total domestic deposits to total assets | 79.6857% | 5,916 |
| Equity capital to assets | 10.2134% | 3,485 |
| Core capital (leverage) ratio | 9.0634% | 4,430 |
| Tier 1 risk-based capital ratio | 11.9611% | 5,509 |
| Total risk-based capital ratio | 13.2131% | 5,486 |
| Memoranda: | ||
| Average total assets | $194,942,200 | 3,163 |
| Average earning assets | $173,249,200 | 3,219 |
| Average equity | $18,642,200 | 3,326 |
| Average total loans | $140,255,000 | 2,946 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6729% | 1,805 |
| Cost of funding earning assets | 1.3377% | 3,993 |
| Net interest margin | 4.3351% | 1,731 |
| Noninterest income to average assets | 0.7339% | 2,614 |
| Noninterest expense to average assets | 3.1463% | 3,122 |
| Loan and lease loss provision to assets | 0.5989% | 2,551 |
| Net operating income to assets | 0.8206% | 2,915 |
| Return on assets (ROA) | 0.9155% | 2,694 |
| Pretax return on assets | 0.9419% | 3,400 |
| Return on Equity (ROE) | 9.7287% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.1906% | 992 |
| Net charge-offs to loans | 1.2178% | 1,682 |
| Credit loss provision to net charge-offs | 68.4414% | 5,460 |
| Earnings coverage of net charge-offs (x) | 1.6489% | 4,474 |
| Efficiency ratio | 68.5597% | 4,363 |
| Assets per employee ($millions) | 3.1728% | 5,742 |
| Cash dividends to net income (ytd only)* | 5.5311% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5433% | 3,760 |
| Loan loss allowance to noncurrent loans | 94.0813% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.3975% | 4,360 |
| Noncurrent loans to loans | 1.6404% | 4,188 |
| Net loans and leases to total assets | 72.5873% | 2,104 |
| Net loans and leases to deposits | 98.9499% | 729 |
| Net loans and leases to core deposits | 109.5955% | 1,060 |
| Total domestic deposits to total assets | 73.3576% | 7,001 |
| Equity capital to assets | 10.2335% | 3,834 |
| Core capital (leverage) ratio | 8.7615% | 5,084 |
| Tier 1 risk-based capital ratio | 11.9752% | 5,483 |
| Total risk-based capital ratio | 13.2291% | 5,448 |
| Memoranda: | ||
| Average total assets | $197,473,750 | 3,178 |
| Average earning assets | $175,614,500 | 3,220 |
| Average equity | $18,583,750 | 3,375 |
| Average total loans | $141,891,750 | 2,944 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6287% | 2,029 |
| Cost of funding earning assets | 1.3643% | 4,094 |
| Net interest margin | 4.2644% | 1,907 |
| Noninterest income to average assets | 0.7576% | 2,338 |
| Noninterest expense to average assets | 3.1269% | 3,198 |
| Loan and lease loss provision to assets | 0.6341% | 2,258 |
| Net operating income to assets | 0.7854% | 3,042 |
| Return on assets (ROA) | 0.9268% | 2,545 |
| Pretax return on assets | 0.9497% | 3,313 |
| Return on Equity (ROE) | 10.1236% | 2,064 |
| Retained earnings to average equity (ytd only) | 9.3081% | 1,008 |
| Net charge-offs to loans | 1.4401% | 1,327 |
| Credit loss provision to net charge-offs | 61.7847% | 5,169 |
| Earnings coverage of net charge-offs (x) | 1.4025% | 4,434 |
| Efficiency ratio | 68.4761% | 4,484 |
| Assets per employee ($millions) | 3.1757% | 5,733 |
| Cash dividends to net income (ytd only)* | 8.0559% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 3,889 |
| Loan loss allowance to noncurrent loans | 74.4533% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.5429% | 4,146 |
| Noncurrent loans to loans | 2.0235% | 3,689 |
| Net loans and leases to total assets | 71.2203% | 2,610 |
| Net loans and leases to deposits | 96.0256% | 1,047 |
| Net loans and leases to core deposits | 112.2558% | 1,022 |
| Total domestic deposits to total assets | 74.1681% | 6,954 |
| Equity capital to assets | 9.4446% | 4,791 |
| Core capital (leverage) ratio | 8.0884% | 6,139 |
| Tier 1 risk-based capital ratio | 11.1926% | 6,046 |
| Total risk-based capital ratio | 12.4457% | 6,027 |
| Memoranda: | ||
| Average total assets | $200,899,000 | 3,155 |
| Average earning assets | $179,438,670 | 3,198 |
| Average equity | $18,392,670 | 3,398 |
| Average total loans | $143,185,000 | 2,955 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5970% | 2,162 |
| Cost of funding earning assets | 1.4097% | 4,117 |
| Net interest margin | 4.1873% | 2,097 |
| Noninterest income to average assets | 0.8871% | 1,677 |
| Noninterest expense to average assets | 2.9157% | 3,995 |
| Loan and lease loss provision to assets | 0.7570% | 1,679 |
| Net operating income to assets | 0.9391% | 2,399 |
| Return on assets (ROA) | 0.9719% | 2,356 |
| Pretax return on assets | 0.9956% | 3,111 |
| Return on Equity (ROE) | 10.7813% | 1,843 |
| Retained earnings to average equity (ytd only) | 9.1411% | 1,360 |
| Net charge-offs to loans | 1.2313% | 1,379 |
| Credit loss provision to net charge-offs | 86.8778% | 3,724 |
| Earnings coverage of net charge-offs (x) | 1.9729% | 3,549 |
| Efficiency ratio | 62.9094% | 5,677 |
| Assets per employee ($millions) | 3.0922% | 6,014 |
| Cash dividends to net income (ytd only)* | 15.2130% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7346% | 2,945 |
| Loan loss allowance to noncurrent loans | 69.5542% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.8588% | 3,689 |
| Noncurrent loans to loans | 2.4938% | 3,180 |
| Net loans and leases to total assets | 69.9298% | 2,955 |
| Net loans and leases to deposits | 92.3160% | 1,570 |
| Net loans and leases to core deposits | 100.3412% | 2,093 |
| Total domestic deposits to total assets | 75.7505% | 6,797 |
| Equity capital to assets | 9.2408% | 4,930 |
| Core capital (leverage) ratio | 7.6936% | 6,635 |
| Tier 1 risk-based capital ratio | 10.4417% | 6,687 |
| Total risk-based capital ratio | 11.6969% | 6,679 |
| Memoranda: | ||
| Average total assets | $202,900,500 | 3,181 |
| Average earning assets | $181,598,500 | 3,238 |
| Average equity | $18,291,000 | 3,439 |
| Average total loans | $143,590,000 | 3,010 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8512% | 2,436 |
| Cost of funding earning assets | 1.6416% | 4,837 |
| Net interest margin | 4.2096% | 2,034 |
| Noninterest income to average assets | 0.7398% | 2,738 |
| Noninterest expense to average assets | 3.4731% | 2,447 |
| Loan and lease loss provision to assets | 1.0572% | 2,173 |
| Net operating income to assets | -0.0157% | 5,519 |
| Return on assets (ROA) | 0.1729% | 5,061 |
| Pretax return on assets | 0.1621% | 5,084 |
| Return on Equity (ROE) | 1.9071% | 4,944 |
| Retained earnings to average equity (ytd only) | -1.8854% | 5,492 |
| Net charge-offs to loans | 0.9488% | 2,501 |
| Credit loss provision to net charge-offs | 164.5260% | 2,652 |
| Earnings coverage of net charge-offs (x) | 1.6040% | 4,540 |
| Efficiency ratio | 77.1161% | 3,342 |
| Assets per employee ($millions) | 3.0119% | 6,198 |
| Cash dividends to net income (ytd only)* | 198.8636% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7614% | 2,671 |
| Loan loss allowance to noncurrent loans | 156.2462% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 1.0952% | 4,901 |
| Noncurrent loans to loans | 1.1273% | 5,079 |
| Net loans and leases to total assets | 69.1408% | 3,450 |
| Net loans and leases to deposits | 88.2766% | 2,515 |
| Net loans and leases to core deposits | 112.1008% | 2,687 |
| Total domestic deposits to total assets | 78.3229% | 6,162 |
| Equity capital to assets | 8.7930% | 5,452 |
| Core capital (leverage) ratio | 7.6116% | 6,671 |
| Tier 1 risk-based capital ratio | 9.8994% | 6,955 |
| Total risk-based capital ratio | 11.1542% | 6,928 |
| Memoranda: | ||
| Average total assets | $203,565,600 | 3,141 |
| Average earning assets | $182,013,200 | 3,196 |
| Average equity | $18,457,400 | 3,431 |
| Average total loans | $137,864,000 | 3,122 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8787% | 2,542 |
| Cost of funding earning assets | 1.6669% | 5,077 |
| Net interest margin | 4.2118% | 2,007 |
| Noninterest income to average assets | 0.7734% | 2,582 |
| Noninterest expense to average assets | 3.2674% | 3,044 |
| Loan and lease loss provision to assets | 0.9321% | 2,066 |
| Net operating income to assets | 0.3322% | 4,670 |
| Return on assets (ROA) | 0.5740% | 3,779 |
| Pretax return on assets | 0.5983% | 4,191 |
| Return on Equity (ROE) | 6.2826% | 3,403 |
| Retained earnings to average equity (ytd only) | 1.2565% | 4,621 |
| Net charge-offs to loans | 0.9470% | 2,078 |
| Credit loss provision to net charge-offs | 146.7975% | 3,307 |
| Earnings coverage of net charge-offs (x) | 2.0134% | 4,309 |
| Efficiency ratio | 71.8759% | 4,266 |
| Assets per employee ($millions) | 3.0049% | 6,151 |
| Cash dividends to net income (ytd only)* | 79.9998% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 3,306 |
| Loan loss allowance to noncurrent loans | 70.3570% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.5731% | 3,995 |
| Noncurrent loans to loans | 2.1676% | 3,421 |
| Net loans and leases to total assets | 68.8939% | 3,748 |
| Net loans and leases to deposits | 89.4713% | 2,679 |
| Net loans and leases to core deposits | 122.8212% | 2,007 |
| Total domestic deposits to total assets | 77.0011% | 6,334 |
| Equity capital to assets | 9.3008% | 5,033 |
| Core capital (leverage) ratio | 7.6285% | 6,827 |
| Tier 1 risk-based capital ratio | 10.5770% | 6,378 |
| Total risk-based capital ratio | 11.8292% | 6,342 |
| Memoranda: | ||
| Average total assets | $203,254,250 | 3,167 |
| Average earning assets | $182,054,500 | 3,214 |
| Average equity | $18,569,500 | 3,440 |
| Average total loans | $136,293,250 | 3,188 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7730% | 3,179 |
| Cost of funding earning assets | 1.6337% | 5,587 |
| Net interest margin | 4.1393% | 2,198 |
| Noninterest income to average assets | 0.7474% | 2,718 |
| Noninterest expense to average assets | 3.3370% | 2,835 |
| Loan and lease loss provision to assets | 0.6562% | 2,461 |
| Net operating income to assets | 0.4247% | 4,403 |
| Return on assets (ROA) | 0.4247% | 4,515 |
| Pretax return on assets | 0.4698% | 4,718 |
| Return on Equity (ROE) | 4.6766% | 4,223 |
| Retained earnings to average equity (ytd only) | -2.8837% | 5,948 |
| Net charge-offs to loans | 0.8681% | 1,958 |
| Credit loss provision to net charge-offs | 114.3590% | 4,048 |
| Earnings coverage of net charge-offs (x) | 1.9624% | 4,117 |
| Efficiency ratio | 74.7692% | 3,912 |
| Assets per employee ($millions) | 3.1352% | 5,757 |
| Cash dividends to net income (ytd only)* | 161.6628% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 4,581 |
| Loan loss allowance to noncurrent loans | 51.7151% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 1.8060% | 3,462 |
| Noncurrent loans to loans | 2.4238% | 2,989 |
| Net loans and leases to total assets | 67.7279% | 4,202 |
| Net loans and leases to deposits | 91.0233% | 2,649 |
| Net loans and leases to core deposits | 129.6441% | 1,597 |
| Total domestic deposits to total assets | 74.4073% | 6,890 |
| Equity capital to assets | 8.8188% | 5,568 |
| Core capital (leverage) ratio | 7.5533% | 6,954 |
| Tier 1 risk-based capital ratio | 10.0260% | 6,887 |
| Total risk-based capital ratio | 11.1930% | 6,920 |
| Memoranda: | ||
| Average total assets | $203,896,670 | 3,179 |
| Average earning assets | $183,025,000 | 3,228 |
| Average equity | $18,517,670 | 3,466 |
| Average total loans | $134,774,330 | 3,253 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6516% | 4,041 |
| Cost of funding earning assets | 1.6078% | 6,002 |
| Net interest margin | 4.0438% | 2,474 |
| Noninterest income to average assets | 0.7412% | 2,649 |
| Noninterest expense to average assets | 2.9923% | 3,802 |
| Loan and lease loss provision to assets | 0.0751% | 6,019 |
| Net operating income to assets | 1.2432% | 1,528 |
| Return on assets (ROA) | 1.2432% | 1,633 |
| Pretax return on assets | 1.2926% | 2,309 |
| Return on Equity (ROE) | 13.4888% | 1,273 |
| Retained earnings to average equity (ytd only) | 0.0858% | 5,624 |
| Net charge-offs to loans | 0.0091% | 5,527 |
| Credit loss provision to net charge-offs | 1,266.6667% | 492 |
| Earnings coverage of net charge-offs (x) | 230.6667% | 183 |
| Efficiency ratio | 68.6310% | 4,848 |
| Assets per employee ($millions) | 3.5471% | 4,708 |
| Cash dividends to net income (ytd only)* | 99.3641% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 4,047 |
| Loan loss allowance to noncurrent loans | 67.6965% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.4823% | 3,706 |
| Noncurrent loans to loans | 1.9275% | 3,371 |
| Net loans and leases to total assets | 64.7572% | 4,852 |
| Net loans and leases to deposits | 86.5062% | 3,549 |
| Net loans and leases to core deposits | 123.4553% | 2,118 |
| Total domestic deposits to total assets | 74.8584% | 6,734 |
| Equity capital to assets | 9.3183% | 4,913 |
| Core capital (leverage) ratio | 7.7824% | 6,772 |
| Tier 1 risk-based capital ratio | 10.7588% | 6,134 |
| Total risk-based capital ratio | 11.9554% | 6,090 |
| Memoranda: | ||
| Average total assets | $202,384,000 | 3,212 |
| Average earning assets | $181,116,500 | 3,261 |
| Average equity | $18,652,500 | 3,460 |
| Average total loans | $131,200,000 | 3,337 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3955% | 3,443 |
| Cost of funding earning assets | 2.3241% | 5,043 |
| Net interest margin | 4.0714% | 2,825 |
| Noninterest income to average assets | 0.7440% | 2,816 |
| Noninterest expense to average assets | 2.7987% | 4,822 |
| Loan and lease loss provision to assets | 0.0810% | 6,379 |
| Net operating income to assets | 1.4623% | 1,098 |
| Return on assets (ROA) | 1.4541% | 1,068 |
| Pretax return on assets | 1.5182% | 1,626 |
| Return on Equity (ROE) | 15.9453% | 784 |
| Retained earnings to average equity (ytd only) | 9.8482% | 474 |
| Net charge-offs to loans | 0.0575% | 5,953 |
| Credit loss provision to net charge-offs | 231.8182% | 2,057 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 808 |
| Efficiency ratio | 63.5140% | 5,667 |
| Assets per employee ($millions) | 3.4336% | 4,848 |
| Cash dividends to net income (ytd only)* | 38.2374% | 3,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 3,733 |
| Loan loss allowance to noncurrent loans | 75.1996% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.3486% | 3,516 |
| Noncurrent loans to loans | 1.7373% | 3,162 |
| Net loans and leases to total assets | 63.2061% | 5,418 |
| Net loans and leases to deposits | 95.0587% | 2,600 |
| Net loans and leases to core deposits | 115.8578% | 3,135 |
| Total domestic deposits to total assets | 66.4916% | 7,620 |
| Equity capital to assets | 9.1147% | 5,202 |
| Core capital (leverage) ratio | 8.2391% | 6,079 |
| Tier 1 risk-based capital ratio | 10.8894% | 5,818 |
| Total risk-based capital ratio | 12.0763% | 5,790 |
| Memoranda: | ||
| Average total assets | $188,839,600 | 3,284 |
| Average earning assets | $169,869,600 | 3,338 |
| Average equity | $17,221,400 | 3,696 |
| Average total loans | $114,823,600 | 3,567 |