Home > Northern State Bank > Performance and Condition Ratios
Northern State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 3,734 |
| Cost of funding earning assets | 0.5343% | 4,164 |
| Net interest margin | 3.6082% | 1,949 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.9748% | 3,692 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.7399% | 681 |
| Return on assets (ROA) | 1.7399% | 649 |
| Pretax return on assets | 1.7519% | 959 |
| Return on Equity (ROE) | 23.4100% | 381 |
| Retained earnings to average equity (ytd only) | 8.4804% | 1,400 |
| Net charge-offs to loans | 0.0875% | 994 |
| Credit loss provision to net charge-offs | 58.8235% | 2,155 |
| Earnings coverage of net charge-offs (x) | 41.2206% | 1,429 |
| Efficiency ratio | 52.6320% | 3,779 |
| Assets per employee ($millions) | 6.3280% | 2,528 |
| Cash dividends to net income (ytd only)* | 63.7755% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8254% | 3,904 |
| Loan loss allowance to noncurrent loans | 681.8653% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,175 |
| Noncurrent loans to loans | 0.1211% | 2,915 |
| Net loans and leases to total assets | 48.9900% | 3,662 |
| Net loans and leases to deposits | 53.4700% | 3,816 |
| Net loans and leases to core deposits | 54.2216% | 3,971 |
| Total domestic deposits to total assets | 91.6300% | 370 |
| Equity capital to assets | 8.2695% | 3,225 |
| Core capital (leverage) ratio | 8.8814% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9705% | 922 |
| Memoranda: | ||
| Average total assets | $315,423,000 | 2,343 |
| Average earning assets | $298,518,000 | 2,314 |
| Average equity | $23,442,400 | 2,599 |
| Average total loans | $155,457,200 | 2,630 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0657% | 3,716 |
| Cost of funding earning assets | 0.4876% | 4,156 |
| Net interest margin | 3.5781% | 2,058 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.9736% | 3,655 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.7036% | 796 |
| Return on assets (ROA) | 1.7036% | 784 |
| Pretax return on assets | 1.7160% | 1,138 |
| Return on Equity (ROE) | 23.6100% | 456 |
| Retained earnings to average equity (ytd only) | 8.8785% | 1,719 |
| Net charge-offs to loans | 0.0708% | 978 |
| Credit loss provision to net charge-offs | 24.3902% | 1,996 |
| Earnings coverage of net charge-offs (x) | 49.4634% | 1,322 |
| Efficiency ratio | 53.3686% | 3,643 |
| Assets per employee ($millions) | 5.9865% | 2,772 |
| Cash dividends to net income (ytd only)* | 62.3908% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8279% | 3,923 |
| Loan loss allowance to noncurrent loans | 598.1735% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 3,137 |
| Noncurrent loans to loans | 0.1384% | 2,861 |
| Net loans and leases to total assets | 50.4100% | 3,586 |
| Net loans and leases to deposits | 54.5844% | 3,770 |
| Net loans and leases to core deposits | 55.4726% | 3,879 |
| Total domestic deposits to total assets | 92.3500% | 395 |
| Equity capital to assets | 7.4492% | 3,384 |
| Core capital (leverage) ratio | 8.7361% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7851% | 976 |
| Memoranda: | ||
| Average total assets | $313,597,000 | 2,356 |
| Average earning assets | $297,504,250 | 2,325 |
| Average equity | $22,631,000 | 2,645 |
| Average total loans | $154,464,250 | 2,645 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 3,902 |
| Cost of funding earning assets | 0.4195% | 4,132 |
| Net interest margin | 3.4618% | 2,362 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.9640% | 3,676 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6560% | 860 |
| Return on assets (ROA) | 1.6560% | 861 |
| Pretax return on assets | 1.6688% | 1,278 |
| Return on Equity (ROE) | 23.1900% | 477 |
| Retained earnings to average equity (ytd only) | 8.0463% | 1,944 |
| Net charge-offs to loans | 0.0862% | 752 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 39.7424% | 1,404 |
| Efficiency ratio | 54.0630% | 3,603 |
| Assets per employee ($millions) | 6.0306% | 2,684 |
| Cash dividends to net income (ytd only)* | 65.3093% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 3,921 |
| Loan loss allowance to noncurrent loans | 343.9474% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 2,693 |
| Noncurrent loans to loans | 0.2452% | 2,276 |
| Net loans and leases to total assets | 49.0100% | 3,624 |
| Net loans and leases to deposits | 52.9652% | 3,798 |
| Net loans and leases to core deposits | 53.7578% | 3,905 |
| Total domestic deposits to total assets | 92.5200% | 320 |
| Equity capital to assets | 7.3139% | 3,624 |
| Core capital (leverage) ratio | 8.4592% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4061% | 900 |
| Memoranda: | ||
| Average total assets | $314,363,667 | 2,359 |
| Average earning assets | $298,458,667 | 2,325 |
| Average equity | $22,445,000 | 2,666 |
| Average total loans | $153,208,333 | 2,644 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7772% | 3,902 |
| Cost of funding earning assets | 0.3520% | 4,069 |
| Net interest margin | 3.4252% | 2,566 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 1.8593% | 3,935 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7525% | 748 |
| Return on assets (ROA) | 1.7525% | 739 |
| Pretax return on assets | 1.7665% | 1,138 |
| Return on Equity (ROE) | 24.8500% | 413 |
| Retained earnings to average equity (ytd only) | 8.6308% | 2,046 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.2794% | 3,830 |
| Assets per employee ($millions) | 6.2659% | 2,531 |
| Cash dividends to net income (ytd only)* | 65.2647% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 3,806 |
| Loan loss allowance to noncurrent loans | 852.7950% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 3,268 |
| Noncurrent loans to loans | 0.1076% | 2,987 |
| Net loans and leases to total assets | 47.3100% | 3,682 |
| Net loans and leases to deposits | 51.0816% | 3,842 |
| Net loans and leases to core deposits | 51.7844% | 3,926 |
| Total domestic deposits to total assets | 92.6200% | 371 |
| Equity capital to assets | 7.2826% | 3,683 |
| Core capital (leverage) ratio | 8.3630% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6188% | 782 |
| Memoranda: | ||
| Average total assets | $314,749,000 | 2,387 |
| Average earning assets | $298,842,000 | 2,350 |
| Average equity | $22,199,500 | 2,700 |
| Average total loans | $152,320,500 | 2,685 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8102% | 4,312 |
| Cost of funding earning assets | 0.1686% | 4,009 |
| Net interest margin | 2.6416% | 4,121 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.7963% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9925% | 2,598 |
| Return on assets (ROA) | 0.9925% | 2,545 |
| Pretax return on assets | 1.0015% | 3,071 |
| Return on Equity (ROE) | 14.4000% | 1,434 |
| Retained earnings to average equity (ytd only) | 5.8406% | 2,700 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.2033% | 2,466 |
| Assets per employee ($millions) | 6.3240% | 2,489 |
| Cash dividends to net income (ytd only)* | 59.4307% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 3,822 |
| Loan loss allowance to noncurrent loans | 842.3313% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,286 |
| Noncurrent loans to loans | 0.1051% | 3,020 |
| Net loans and leases to total assets | 48.6000% | 3,623 |
| Net loans and leases to deposits | 52.1965% | 3,790 |
| Net loans and leases to core deposits | 52.9511% | 3,869 |
| Total domestic deposits to total assets | 93.1100% | 378 |
| Equity capital to assets | 6.8257% | 3,755 |
| Core capital (leverage) ratio | 8.1498% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2111% | 951 |
| Memoranda: | ||
| Average total assets | $322,110,800 | 2,339 |
| Average earning assets | $300,082,800 | 2,332 |
| Average equity | $22,206,600 | 2,754 |
| Average total loans | $142,908,000 | 2,698 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5945% | 4,397 |
| Cost of funding earning assets | 0.1546% | 3,802 |
| Net interest margin | 2.4399% | 4,274 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.7886% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8092% | 3,223 |
| Return on assets (ROA) | 0.8092% | 3,187 |
| Pretax return on assets | 0.8179% | 3,538 |
| Return on Equity (ROE) | 11.7100% | 2,132 |
| Retained earnings to average equity (ytd only) | 5.7476% | 2,839 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.6216% | 1,939 |
| Assets per employee ($millions) | 6.4689% | 2,350 |
| Cash dividends to net income (ytd only)* | 50.9165% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 3,813 |
| Loan loss allowance to noncurrent loans | 2,496.3636% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 3,786 |
| Noncurrent loans to loans | 0.0366% | 3,633 |
| Net loans and leases to total assets | 46.0300% | 3,757 |
| Net loans and leases to deposits | 49.2712% | 3,898 |
| Net loans and leases to core deposits | 49.9693% | 3,952 |
| Total domestic deposits to total assets | 93.4200% | 465 |
| Equity capital to assets | 6.4382% | 3,772 |
| Core capital (leverage) ratio | 7.8196% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5349% | 920 |
| Memoranda: | ||
| Average total assets | $323,588,000 | 2,353 |
| Average earning assets | $300,064,500 | 2,357 |
| Average equity | $22,362,500 | 2,787 |
| Average total loans | $139,874,500 | 2,732 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3941% | 4,465 |
| Cost of funding earning assets | 0.1445% | 3,638 |
| Net interest margin | 2.2496% | 4,382 |
| Noninterest income to average assets | 0.3615% | 2,980 |
| Noninterest expense to average assets | 1.7934% | 3,972 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6483% | 3,480 |
| Return on assets (ROA) | 0.6483% | 3,431 |
| Pretax return on assets | 0.6557% | 3,697 |
| Return on Equity (ROE) | 9.1715% | 2,639 |
| Retained earnings to average equity (ytd only) | 3.9256% | 3,110 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2274% | 1,594 |
| Assets per employee ($millions) | 6.3771% | 2,408 |
| Cash dividends to net income (ytd only)* | 57.1973% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 3,670 |
| Loan loss allowance to noncurrent loans | 960.1399% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 3,536 |
| Noncurrent loans to loans | 0.1024% | 3,242 |
| Net loans and leases to total assets | 43.3457% | 3,880 |
| Net loans and leases to deposits | 46.5618% | 4,001 |
| Net loans and leases to core deposits | 47.2736% | 4,068 |
| Total domestic deposits to total assets | 93.0927% | 496 |
| Equity capital to assets | 6.7875% | 3,887 |
| Core capital (leverage) ratio | 7.7209% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9857% | 994 |
| Memoranda: | ||
| Average total assets | $323,635,667 | 2,371 |
| Average earning assets | $300,324,000 | 2,383 |
| Average equity | $22,875,333 | 2,827 |
| Average total loans | $136,417,667 | 2,785 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2309% | 4,512 |
| Cost of funding earning assets | 0.1450% | 3,567 |
| Net interest margin | 2.0858% | 4,457 |
| Noninterest income to average assets | 0.3840% | 2,787 |
| Noninterest expense to average assets | 1.7827% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5337% | 3,612 |
| Return on assets (ROA) | 0.5337% | 3,581 |
| Pretax return on assets | 0.5423% | 3,780 |
| Return on Equity (ROE) | 7.4068% | 2,907 |
| Retained earnings to average equity (ytd only) | 2.2987% | 3,464 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6755% | 1,452 |
| Assets per employee ($millions) | 6.1528% | 2,661 |
| Cash dividends to net income (ytd only)* | 68.9655% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,587 |
| Loan loss allowance to noncurrent loans | 27,460.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,108 |
| Noncurrent loans to loans | 0.0038% | 4,018 |
| Net loans and leases to total assets | 40.3504% | 3,990 |
| Net loans and leases to deposits | 44.0761% | 4,061 |
| Net loans and leases to core deposits | 44.7452% | 4,129 |
| Total domestic deposits to total assets | 91.5471% | 779 |
| Equity capital to assets | 6.8417% | 4,283 |
| Core capital (leverage) ratio | 7.5750% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4660% | 975 |
| Memoranda: | ||
| Average total assets | $326,027,000 | 2,364 |
| Average earning assets | $303,382,000 | 2,372 |
| Average equity | $23,492,000 | 2,871 |
| Average total loans | $134,835,500 | 2,797 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6403% | 4,371 |
| Cost of funding earning assets | 0.1736% | 3,732 |
| Net interest margin | 2.4667% | 4,236 |
| Noninterest income to average assets | 0.4283% | 2,910 |
| Noninterest expense to average assets | 1.8454% | 4,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8719% | 3,133 |
| Return on assets (ROA) | 0.8719% | 3,195 |
| Pretax return on assets | 0.8826% | 3,546 |
| Return on Equity (ROE) | 11.0256% | 2,159 |
| Retained earnings to average equity (ytd only) | 3.0128% | 3,627 |
| Net charge-offs to loans | 0.0694% | 1,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 27.5842% | 1,674 |
| Efficiency ratio | 67.6460% | 2,036 |
| Assets per employee ($millions) | 6.1501% | 2,610 |
| Cash dividends to net income (ytd only)* | 72.6744% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 41.5219% | 4,000 |
| Net loans and leases to deposits | 45.7043% | 4,108 |
| Net loans and leases to core deposits | 46.2913% | 4,172 |
| Total domestic deposits to total assets | 90.8490% | 554 |
| Equity capital to assets | 7.5695% | 4,565 |
| Core capital (leverage) ratio | 7.6493% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3634% | 843 |
| Memoranda: | ||
| Average total assets | $315,650,200 | 2,363 |
| Average earning assets | $294,283,400 | 2,360 |
| Average equity | $24,960,000 | 2,850 |
| Average total loans | $145,605,200 | 2,668 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7505% | 4,360 |
| Cost of funding earning assets | 0.1821% | 3,791 |
| Net interest margin | 2.5684% | 4,182 |
| Noninterest income to average assets | 0.4289% | 2,936 |
| Noninterest expense to average assets | 1.8577% | 4,038 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9582% | 3,052 |
| Return on assets (ROA) | 0.9582% | 3,134 |
| Pretax return on assets | 0.9684% | 3,545 |
| Return on Equity (ROE) | 11.9845% | 2,051 |
| Retained earnings to average equity (ytd only) | 3.9948% | 3,577 |
| Net charge-offs to loans | 0.0442% | 1,229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 46.4082% | 1,275 |
| Efficiency ratio | 65.7324% | 2,135 |
| Assets per employee ($millions) | 6.0607% | 2,634 |
| Cash dividends to net income (ytd only)* | 66.6667% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,779 |
| Loan loss allowance to noncurrent loans | 2,740.3846% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 4,105 |
| Noncurrent loans to loans | 0.0372% | 3,940 |
| Net loans and leases to total assets | 43.0790% | 4,016 |
| Net loans and leases to deposits | 47.5915% | 4,142 |
| Net loans and leases to core deposits | 48.8543% | 4,198 |
| Total domestic deposits to total assets | 90.5182% | 550 |
| Equity capital to assets | 7.7804% | 4,624 |
| Core capital (leverage) ratio | 7.5839% | 4,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0923% | 939 |
| Memoranda: | ||
| Average total assets | $313,074,500 | 2,397 |
| Average earning assets | $292,211,500 | 2,395 |
| Average equity | $25,031,750 | 2,883 |
| Average total loans | $147,827,750 | 2,692 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9214% | 4,190 |
| Cost of funding earning assets | 0.1908% | 3,843 |
| Net interest margin | 2.7307% | 3,920 |
| Noninterest income to average assets | 0.3860% | 3,181 |
| Noninterest expense to average assets | 1.8527% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0799% | 2,605 |
| Return on assets (ROA) | 1.1329% | 2,490 |
| Pretax return on assets | 1.1419% | 3,084 |
| Return on Equity (ROE) | 14.0387% | 1,402 |
| Retained earnings to average equity (ytd only) | 6.0531% | 2,778 |
| Net charge-offs to loans | 0.0651% | 970 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 34.4694% | 1,242 |
| Efficiency ratio | 62.9930% | 2,576 |
| Assets per employee ($millions) | 6.0805% | 2,535 |
| Cash dividends to net income (ytd only)* | 56.8828% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 3,927 |
| Loan loss allowance to noncurrent loans | 2,740.3846% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 4,178 |
| Noncurrent loans to loans | 0.0354% | 4,019 |
| Net loans and leases to total assets | 45.1182% | 3,965 |
| Net loans and leases to deposits | 49.8892% | 4,120 |
| Net loans and leases to core deposits | 51.1629% | 4,175 |
| Total domestic deposits to total assets | 90.4369% | 584 |
| Equity capital to assets | 7.8037% | 4,631 |
| Core capital (leverage) ratio | 7.9018% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7991% | 1,171 |
| Memoranda: | ||
| Average total assets | $310,360,333 | 2,404 |
| Average earning assets | $290,404,667 | 2,400 |
| Average equity | $25,045,000 | 2,875 |
| Average total loans | $150,503,000 | 2,682 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1096% | 3,863 |
| Cost of funding earning assets | 0.2103% | 3,824 |
| Net interest margin | 2.8993% | 3,526 |
| Noninterest income to average assets | 0.3692% | 3,250 |
| Noninterest expense to average assets | 1.8870% | 4,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1890% | 2,191 |
| Return on assets (ROA) | 1.2970% | 1,911 |
| Pretax return on assets | 1.3088% | 2,550 |
| Return on Equity (ROE) | 15.7964% | 1,059 |
| Retained earnings to average equity (ytd only) | 7.7942% | 2,317 |
| Net charge-offs to loans | 0.1287% | 568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 18.6327% | 1,275 |
| Efficiency ratio | 61.1324% | 2,885 |
| Assets per employee ($millions) | 5.9693% | 2,630 |
| Cash dividends to net income (ytd only)* | 50.6586% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 4,026 |
| Loan loss allowance to noncurrent loans | 2,738.4615% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 4,258 |
| Noncurrent loans to loans | 0.0346% | 4,110 |
| Net loans and leases to total assets | 47.9325% | 3,829 |
| Net loans and leases to deposits | 52.2834% | 4,030 |
| Net loans and leases to core deposits | 54.0090% | 4,093 |
| Total domestic deposits to total assets | 91.6782% | 200 |
| Equity capital to assets | 8.0953% | 4,435 |
| Core capital (leverage) ratio | 8.0783% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4778% | 1,176 |
| Memoranda: | ||
| Average total assets | $304,406,000 | 2,421 |
| Average earning assets | $285,312,500 | 2,411 |
| Average equity | $24,993,000 | 2,874 |
| Average total loans | $152,341,000 | 2,662 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 4,098 |
| Cost of funding earning assets | 0.3345% | 3,954 |
| Net interest margin | 3.1249% | 3,572 |
| Noninterest income to average assets | 0.4236% | 3,000 |
| Noninterest expense to average assets | 2.0662% | 4,010 |
| Loan and lease loss provision to assets | 0.0332% | 3,984 |
| Net operating income to assets | 1.2699% | 1,335 |
| Return on assets (ROA) | 1.2761% | 1,417 |
| Pretax return on assets | 1.2927% | 2,002 |
| Return on Equity (ROE) | 14.1393% | 777 |
| Retained earnings to average equity (ytd only) | 3.9260% | 2,860 |
| Net charge-offs to loans | 0.0044% | 3,202 |
| Credit loss provision to net charge-offs | 1,285.7143% | 649 |
| Earnings coverage of net charge-offs (x) | 511.2857% | 230 |
| Efficiency ratio | 61.0258% | 3,307 |
| Assets per employee ($millions) | 5.6304% | 2,707 |
| Cash dividends to net income (ytd only)* | 72.2335% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 4,017 |
| Loan loss allowance to noncurrent loans | 1,431.0680% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 4,186 |
| Noncurrent loans to loans | 0.0667% | 4,027 |
| Net loans and leases to total assets | 51.2719% | 3,724 |
| Net loans and leases to deposits | 55.9687% | 4,000 |
| Net loans and leases to core deposits | 57.8139% | 4,061 |
| Total domestic deposits to total assets | 91.6082% | 117 |
| Equity capital to assets | 8.3301% | 4,561 |
| Core capital (leverage) ratio | 8.2286% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8720% | 1,292 |
| Memoranda: | ||
| Average total assets | $271,216,800 | 2,455 |
| Average earning assets | $257,097,000 | 2,425 |
| Average equity | $24,477,800 | 2,843 |
| Average total loans | $159,823,000 | 2,564 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6817% | 3,837 |
| Cost of funding earning assets | 0.3632% | 3,986 |
| Net interest margin | 3.3184% | 3,131 |
| Noninterest income to average assets | 0.4165% | 3,002 |
| Noninterest expense to average assets | 2.1027% | 3,937 |
| Loan and lease loss provision to assets | 0.0454% | 3,789 |
| Net operating income to assets | 1.3978% | 1,107 |
| Return on assets (ROA) | 1.4063% | 1,175 |
| Pretax return on assets | 1.4235% | 1,657 |
| Return on Equity (ROE) | 15.2508% | 653 |
| Retained earnings to average equity (ytd only) | 5.4081% | 2,372 |
| Net charge-offs to loans | 0.0165% | 2,541 |
| Credit loss provision to net charge-offs | 450.0000% | 1,363 |
| Earnings coverage of net charge-offs (x) | 144.8000% | 621 |
| Efficiency ratio | 59.0150% | 3,519 |
| Assets per employee ($millions) | 5.3803% | 2,813 |
| Cash dividends to net income (ytd only)* | 64.5393% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8990% | 4,078 |
| Loan loss allowance to noncurrent loans | 685.4460% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,057 |
| Noncurrent loans to loans | 0.1312% | 3,857 |
| Net loans and leases to total assets | 56.4391% | 3,582 |
| Net loans and leases to deposits | 61.9951% | 3,931 |
| Net loans and leases to core deposits | 63.0769% | 4,048 |
| Total domestic deposits to total assets | 91.0379% | 165 |
| Equity capital to assets | 8.7843% | 4,267 |
| Core capital (leverage) ratio | 8.3736% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4973% | 1,133 |
| Memoranda: | ||
| Average total assets | $264,418,250 | 2,478 |
| Average earning assets | $250,713,750 | 2,442 |
| Average equity | $24,382,750 | 2,846 |
| Average total loans | $161,160,000 | 2,562 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 3,376 |
| Cost of funding earning assets | 0.4098% | 4,000 |
| Net interest margin | 3.5711% | 2,574 |
| Noninterest income to average assets | 0.4194% | 2,975 |
| Noninterest expense to average assets | 2.1631% | 3,893 |
| Loan and lease loss provision to assets | 0.0699% | 3,419 |
| Net operating income to assets | 1.5457% | 853 |
| Return on assets (ROA) | 1.5588% | 903 |
| Pretax return on assets | 1.5767% | 1,274 |
| Return on Equity (ROE) | 16.6138% | 483 |
| Retained earnings to average equity (ytd only) | 6.6803% | 1,786 |
| Net charge-offs to loans | 0.0199% | 2,331 |
| Credit loss provision to net charge-offs | 562.5000% | 1,151 |
| Earnings coverage of net charge-offs (x) | 131.4375% | 580 |
| Efficiency ratio | 56.9763% | 3,822 |
| Assets per employee ($millions) | 5.2833% | 2,856 |
| Cash dividends to net income (ytd only)* | 59.7907% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 4,046 |
| Loan loss allowance to noncurrent loans | 1,209.9174% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 4,318 |
| Noncurrent loans to loans | 0.0733% | 4,169 |
| Net loans and leases to total assets | 58.4303% | 3,476 |
| Net loans and leases to deposits | 64.2693% | 3,860 |
| Net loans and leases to core deposits | 65.3790% | 3,999 |
| Total domestic deposits to total assets | 90.9147% | 163 |
| Equity capital to assets | 8.9367% | 4,144 |
| Core capital (leverage) ratio | 8.5995% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5718% | 1,349 |
| Memoranda: | ||
| Average total assets | $257,505,333 | 2,491 |
| Average earning assets | $243,509,667 | 2,466 |
| Average equity | $24,160,667 | 2,844 |
| Average total loans | $160,746,667 | 2,557 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8640% | 4,104 |
| Cost of funding earning assets | 0.4455% | 4,173 |
| Net interest margin | 3.4184% | 3,238 |
| Noninterest income to average assets | 0.3850% | 3,202 |
| Noninterest expense to average assets | 2.2774% | 3,822 |
| Loan and lease loss provision to assets | 0.0487% | 3,169 |
| Net operating income to assets | 1.2803% | 1,297 |
| Return on assets (ROA) | 1.3076% | 1,324 |
| Pretax return on assets | 1.3271% | 1,792 |
| Return on Equity (ROE) | 13.5699% | 781 |
| Retained earnings to average equity (ytd only) | 3.4557% | 2,901 |
| Net charge-offs to loans | 0.0429% | 1,602 |
| Credit loss provision to net charge-offs | 176.4706% | 1,481 |
| Earnings coverage of net charge-offs (x) | 48.8235% | 912 |
| Efficiency ratio | 62.8136% | 3,397 |
| Assets per employee ($millions) | 4.7279% | 2,958 |
| Cash dividends to net income (ytd only)* | 74.5342% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 4,136 |
| Loan loss allowance to noncurrent loans | 850.3030% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,122 |
| Noncurrent loans to loans | 0.1050% | 4,092 |
| Net loans and leases to total assets | 62.1627% | 3,283 |
| Net loans and leases to deposits | 68.8971% | 3,668 |
| Net loans and leases to core deposits | 70.2325% | 3,868 |
| Total domestic deposits to total assets | 90.2255% | 260 |
| Equity capital to assets | 9.6516% | 4,080 |
| Core capital (leverage) ratio | 9.5033% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1257% | 1,129 |
| Memoranda: | ||
| Average total assets | $246,251,000 | 2,516 |
| Average earning assets | $233,439,500 | 2,478 |
| Average equity | $23,729,000 | 2,871 |
| Average total loans | $158,581,500 | 2,556 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0375% | 4,172 |
| Cost of funding earning assets | 0.3807% | 4,506 |
| Net interest margin | 3.6568% | 2,934 |
| Noninterest income to average assets | 0.6638% | 1,948 |
| Noninterest expense to average assets | 2.3791% | 3,736 |
| Loan and lease loss provision to assets | 0.1185% | 1,783 |
| Net operating income to assets | 1.5883% | 858 |
| Return on assets (ROA) | 1.5883% | 914 |
| Pretax return on assets | 1.6061% | 1,473 |
| Return on Equity (ROE) | 16.7822% | 442 |
| Retained earnings to average equity (ytd only) | 4.7055% | 2,583 |
| Net charge-offs to loans | 0.0688% | 2,106 |
| Credit loss provision to net charge-offs | 264.1509% | 1,050 |
| Earnings coverage of net charge-offs (x) | 38.4340% | 1,353 |
| Efficiency ratio | 57.9740% | 3,966 |
| Assets per employee ($millions) | 4.3986% | 3,372 |
| Cash dividends to net income (ytd only)* | 71.9616% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 4,090 |
| Loan loss allowance to noncurrent loans | 551.5873% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 4,104 |
| Noncurrent loans to loans | 0.1575% | 3,898 |
| Net loans and leases to total assets | 65.5594% | 3,010 |
| Net loans and leases to deposits | 72.5844% | 3,468 |
| Net loans and leases to core deposits | 74.0339% | 3,718 |
| Total domestic deposits to total assets | 90.3216% | 233 |
| Equity capital to assets | 9.6201% | 4,255 |
| Core capital (leverage) ratio | 9.6632% | 3,887 |
| Tier 1 risk-based capital ratio | 15.7092% | 2,499 |
| Total risk-based capital ratio | 16.6589% | 2,546 |
| Memoranda: | ||
| Average total assets | $236,222,800 | 2,538 |
| Average earning assets | $222,217,000 | 2,519 |
| Average equity | $22,357,000 | 2,933 |
| Average total loans | $154,055,200 | 2,576 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 4,266 |
| Cost of funding earning assets | 0.3673% | 4,610 |
| Net interest margin | 3.6794% | 2,996 |
| Noninterest income to average assets | 0.5139% | 2,646 |
| Noninterest expense to average assets | 2.3946% | 3,700 |
| Loan and lease loss provision to assets | 0.0454% | 2,996 |
| Net operating income to assets | 1.5145% | 1,153 |
| Return on assets (ROA) | 1.5145% | 1,209 |
| Pretax return on assets | 1.5321% | 1,864 |
| Return on Equity (ROE) | 16.0697% | 594 |
| Retained earnings to average equity (ytd only) | 4.6215% | 3,093 |
| Net charge-offs to loans | 0.0105% | 2,992 |
| Credit loss provision to net charge-offs | 666.6667% | 499 |
| Earnings coverage of net charge-offs (x) | 231.4944% | 397 |
| Efficiency ratio | 60.2859% | 3,587 |
| Assets per employee ($millions) | 4.2896% | 3,496 |
| Cash dividends to net income (ytd only)* | 71.2411% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8459% | 4,254 |
| Loan loss allowance to noncurrent loans | 513.6000% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 4,181 |
| Noncurrent loans to loans | 0.1647% | 3,953 |
| Net loans and leases to total assets | 63.7905% | 3,305 |
| Net loans and leases to deposits | 70.8137% | 3,702 |
| Net loans and leases to core deposits | 72.2697% | 3,930 |
| Total domestic deposits to total assets | 90.0822% | 266 |
| Equity capital to assets | 9.7160% | 4,279 |
| Core capital (leverage) ratio | 9.6602% | 4,013 |
| Tier 1 risk-based capital ratio | 17.5701% | 1,926 |
| Total risk-based capital ratio | 18.5636% | 1,956 |
| Memoranda: | ||
| Average total assets | $234,798,250 | 2,572 |
| Average earning assets | $220,680,250 | 2,552 |
| Average equity | $22,128,000 | 2,974 |
| Average total loans | $152,571,000 | 2,619 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 4,343 |
| Cost of funding earning assets | 0.3536% | 4,667 |
| Net interest margin | 3.6622% | 3,064 |
| Noninterest income to average assets | 0.5622% | 2,330 |
| Noninterest expense to average assets | 2.3863% | 3,769 |
| Loan and lease loss provision to assets | 0.0512% | 2,789 |
| Net operating income to assets | 1.5442% | 1,024 |
| Return on assets (ROA) | 1.5442% | 1,074 |
| Pretax return on assets | 1.5621% | 1,660 |
| Return on Equity (ROE) | 16.5577% | 519 |
| Retained earnings to average equity (ytd only) | 5.5802% | 2,483 |
| Net charge-offs to loans | -0.0079% | 4,250 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6630% | 3,782 |
| Assets per employee ($millions) | 4.2438% | 3,502 |
| Cash dividends to net income (ytd only)* | 66.2983% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 4,321 |
| Loan loss allowance to noncurrent loans | 508.7302% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 4,220 |
| Noncurrent loans to loans | 0.1641% | 3,963 |
| Net loans and leases to total assets | 65.2454% | 3,198 |
| Net loans and leases to deposits | 72.4071% | 3,651 |
| Net loans and leases to core deposits | 73.9043% | 3,898 |
| Total domestic deposits to total assets | 90.1092% | 307 |
| Equity capital to assets | 9.6895% | 4,240 |
| Core capital (leverage) ratio | 9.8189% | 3,802 |
| Tier 1 risk-based capital ratio | 16.1734% | 2,339 |
| Total risk-based capital ratio | 17.0928% | 2,416 |
| Memoranda: | ||
| Average total assets | $234,421,000 | 2,583 |
| Average earning assets | $220,030,670 | 2,563 |
| Average equity | $21,863,000 | 2,983 |
| Average total loans | $152,833,000 | 2,631 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9640% | 4,446 |
| Cost of funding earning assets | 0.3446% | 4,700 |
| Net interest margin | 3.6194% | 3,182 |
| Noninterest income to average assets | 0.6589% | 1,788 |
| Noninterest expense to average assets | 2.3497% | 3,896 |
| Loan and lease loss provision to assets | 0.0511% | 2,634 |
| Net operating income to assets | 1.6567% | 800 |
| Return on assets (ROA) | 1.6567% | 828 |
| Pretax return on assets | 1.6737% | 1,276 |
| Return on Equity (ROE) | 18.1137% | 387 |
| Retained earnings to average equity (ytd only) | 6.9439% | 2,064 |
| Net charge-offs to loans | -0.0079% | 4,140 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6682% | 4,123 |
| Assets per employee ($millions) | 4.2271% | 3,589 |
| Cash dividends to net income (ytd only)* | 61.6650% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 4,442 |
| Loan loss allowance to noncurrent loans | 496.0317% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 4,048 |
| Noncurrent loans to loans | 0.1663% | 4,005 |
| Net loans and leases to total assets | 64.6377% | 3,212 |
| Net loans and leases to deposits | 71.4870% | 3,647 |
| Net loans and leases to core deposits | 72.2618% | 3,927 |
| Total domestic deposits to total assets | 90.4189% | 313 |
| Equity capital to assets | 9.4358% | 4,317 |
| Core capital (leverage) ratio | 9.5313% | 4,094 |
| Tier 1 risk-based capital ratio | 16.0976% | 2,395 |
| Total risk-based capital ratio | 16.9994% | 2,476 |
| Memoranda: | ||
| Average total assets | $234,927,500 | 2,604 |
| Average earning assets | $221,696,500 | 2,577 |
| Average equity | $21,486,500 | 3,029 |
| Average total loans | $152,464,500 | 2,664 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 4,499 |
| Cost of funding earning assets | 0.2703% | 4,707 |
| Net interest margin | 3.5237% | 3,621 |
| Noninterest income to average assets | 0.4859% | 2,904 |
| Noninterest expense to average assets | 2.2704% | 4,191 |
| Loan and lease loss provision to assets | 0.0332% | 3,529 |
| Net operating income to assets | 1.3966% | 1,444 |
| Return on assets (ROA) | 1.3966% | 1,436 |
| Pretax return on assets | 1.4905% | 1,809 |
| Return on Equity (ROE) | 16.4275% | 546 |
| Retained earnings to average equity (ytd only) | 3.2386% | 3,785 |
| Net charge-offs to loans | 0.1043% | 1,716 |
| Credit loss provision to net charge-offs | 49.6894% | 3,198 |
| Earnings coverage of net charge-offs (x) | 22.7888% | 1,885 |
| Efficiency ratio | 59.8402% | 3,885 |
| Assets per employee ($millions) | 4.3158% | 3,438 |
| Cash dividends to net income (ytd only)* | 80.2855% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7927% | 4,558 |
| Loan loss allowance to noncurrent loans | 480.6324% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 3,829 |
| Noncurrent loans to loans | 0.1649% | 4,007 |
| Net loans and leases to total assets | 64.1151% | 3,348 |
| Net loans and leases to deposits | 70.4134% | 3,800 |
| Net loans and leases to core deposits | 70.9627% | 4,060 |
| Total domestic deposits to total assets | 91.0552% | 193 |
| Equity capital to assets | 8.8622% | 4,681 |
| Core capital (leverage) ratio | 9.4753% | 4,142 |
| Tier 1 risk-based capital ratio | 15.6617% | 2,545 |
| Total risk-based capital ratio | 16.5296% | 2,637 |
| Memoranda: | ||
| Average total assets | $240,791,400 | 2,541 |
| Average earning assets | $226,066,400 | 2,514 |
| Average equity | $20,471,800 | 3,051 |
| Average total loans | $154,402,200 | 2,593 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 4,538 |
| Cost of funding earning assets | 0.2567% | 4,752 |
| Net interest margin | 3.5002% | 3,695 |
| Noninterest income to average assets | 0.3117% | 4,060 |
| Noninterest expense to average assets | 2.2142% | 4,287 |
| Loan and lease loss provision to assets | 0.0441% | 3,110 |
| Net operating income to assets | 1.3170% | 1,788 |
| Return on assets (ROA) | 1.3170% | 1,793 |
| Pretax return on assets | 1.3336% | 2,487 |
| Return on Equity (ROE) | 15.6541% | 758 |
| Retained earnings to average equity (ytd only) | 3.1938% | 4,146 |
| Net charge-offs to loans | -0.0371% | 4,825 |
| Credit loss provision to net charge-offs | -186.0465% | 4,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6436% | 3,563 |
| Assets per employee ($millions) | 4.2790% | 3,463 |
| Cash dividends to net income (ytd only)* | 79.5977% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 4,213 |
| Loan loss allowance to noncurrent loans | 2,120.8955% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 4,352 |
| Noncurrent loans to loans | 0.0431% | 4,708 |
| Net loans and leases to total assets | 65.4479% | 3,249 |
| Net loans and leases to deposits | 73.0224% | 3,674 |
| Net loans and leases to core deposits | 73.6143% | 3,969 |
| Total domestic deposits to total assets | 89.6272% | 625 |
| Equity capital to assets | 8.6528% | 4,828 |
| Core capital (leverage) ratio | 9.2386% | 4,475 |
| Tier 1 risk-based capital ratio | 15.2240% | 2,772 |
| Total risk-based capital ratio | 16.2180% | 2,819 |
| Memoranda: | ||
| Average total assets | $241,647,500 | 2,543 |
| Average earning assets | $226,455,000 | 2,524 |
| Average equity | $20,330,750 | 3,088 |
| Average total loans | $154,651,750 | 2,602 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6730% | 4,644 |
| Cost of funding earning assets | 0.2464% | 4,762 |
| Net interest margin | 3.4266% | 3,876 |
| Noninterest income to average assets | 0.3282% | 3,998 |
| Noninterest expense to average assets | 2.2039% | 4,354 |
| Loan and lease loss provision to assets | 0.0492% | 2,931 |
| Net operating income to assets | 1.2759% | 1,876 |
| Return on assets (ROA) | 1.2759% | 1,879 |
| Pretax return on assets | 1.2923% | 2,546 |
| Return on Equity (ROE) | 15.3054% | 794 |
| Retained earnings to average equity (ytd only) | 3.4942% | 3,840 |
| Net charge-offs to loans | -0.0557% | 4,956 |
| Credit loss provision to net charge-offs | -139.5349% | 4,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1615% | 3,603 |
| Assets per employee ($millions) | 4.3588% | 3,344 |
| Cash dividends to net income (ytd only)* | 77.1704% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9165% | 4,265 |
| Loan loss allowance to noncurrent loans | 140,100.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 4,336 |
| Noncurrent loans to loans | 0.0007% | 4,979 |
| Net loans and leases to total assets | 63.1764% | 3,494 |
| Net loans and leases to deposits | 69.1956% | 3,927 |
| Net loans and leases to core deposits | 69.7350% | 4,162 |
| Total domestic deposits to total assets | 91.3012% | 188 |
| Equity capital to assets | 8.4910% | 4,950 |
| Core capital (leverage) ratio | 9.0545% | 4,640 |
| Tier 1 risk-based capital ratio | 15.2910% | 2,735 |
| Total risk-based capital ratio | 16.2813% | 2,789 |
| Memoranda: | ||
| Average total assets | $243,748,000 | 2,541 |
| Average earning assets | $228,857,330 | 2,519 |
| Average equity | $20,319,670 | 3,102 |
| Average total loans | $154,385,670 | 2,614 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6101% | 4,683 |
| Cost of funding earning assets | 0.2377% | 4,779 |
| Net interest margin | 3.3724% | 3,975 |
| Noninterest income to average assets | 0.3109% | 4,080 |
| Noninterest expense to average assets | 2.1924% | 4,440 |
| Loan and lease loss provision to assets | 0.0488% | 2,802 |
| Net operating income to assets | 1.2158% | 1,943 |
| Return on assets (ROA) | 1.2158% | 1,951 |
| Pretax return on assets | 1.2338% | 2,623 |
| Return on Equity (ROE) | 14.7181% | 852 |
| Retained earnings to average equity (ytd only) | 2.8963% | 4,038 |
| Net charge-offs to loans | -0.0567% | 5,025 |
| Credit loss provision to net charge-offs | -136.3636% | 3,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0913% | 3,618 |
| Assets per employee ($millions) | 4.4912% | 3,177 |
| Cash dividends to net income (ytd only)* | 80.3213% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 4,554 |
| Loan loss allowance to noncurrent loans | 1,096.7480% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 4,194 |
| Noncurrent loans to loans | 0.0797% | 4,626 |
| Net loans and leases to total assets | 61.9675% | 3,554 |
| Net loans and leases to deposits | 67.5939% | 3,979 |
| Net loans and leases to core deposits | 68.1024% | 4,215 |
| Total domestic deposits to total assets | 91.6762% | 155 |
| Equity capital to assets | 8.1675% | 5,194 |
| Core capital (leverage) ratio | 8.8289% | 4,865 |
| Tier 1 risk-based capital ratio | 14.8497% | 2,953 |
| Total risk-based capital ratio | 15.7847% | 3,008 |
| Memoranda: | ||
| Average total assets | $245,754,500 | 2,550 |
| Average earning assets | $230,576,000 | 2,528 |
| Average equity | $20,301,500 | 3,131 |
| Average total loans | $155,150,000 | 2,625 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5111% | 4,772 |
| Cost of funding earning assets | 0.2470% | 4,589 |
| Net interest margin | 3.2641% | 4,276 |
| Noninterest income to average assets | 0.5457% | 2,744 |
| Noninterest expense to average assets | 2.2066% | 4,517 |
| Loan and lease loss provision to assets | 0.0655% | 2,901 |
| Net operating income to assets | 1.3358% | 1,148 |
| Return on assets (ROA) | 1.3358% | 1,171 |
| Pretax return on assets | 1.3518% | 2,164 |
| Return on Equity (ROE) | 16.2693% | 449 |
| Retained earnings to average equity (ytd only) | 5.7987% | 1,655 |
| Net charge-offs to loans | 0.0445% | 2,898 |
| Credit loss provision to net charge-offs | 231.8841% | 1,197 |
| Earnings coverage of net charge-offs (x) | 50.1739% | 1,081 |
| Efficiency ratio | 60.8337% | 4,134 |
| Assets per employee ($millions) | 4.1440% | 3,753 |
| Cash dividends to net income (ytd only)* | 64.3580% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8320% | 4,731 |
| Loan loss allowance to noncurrent loans | 456.6901% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 4,446 |
| Noncurrent loans to loans | 0.1822% | 4,190 |
| Net loans and leases to total assets | 63.2265% | 3,460 |
| Net loans and leases to deposits | 69.0784% | 3,945 |
| Net loans and leases to core deposits | 69.6910% | 4,196 |
| Total domestic deposits to total assets | 91.5286% | 135 |
| Equity capital to assets | 8.3552% | 5,225 |
| Core capital (leverage) ratio | 8.7593% | 4,892 |
| Tier 1 risk-based capital ratio | 14.6218% | 3,028 |
| Total risk-based capital ratio | 15.5131% | 3,113 |
| Memoranda: | ||
| Average total assets | $244,267,800 | 2,534 |
| Average earning assets | $230,355,000 | 2,496 |
| Average equity | $20,056,200 | 3,138 |
| Average total loans | $155,068,200 | 2,599 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4705% | 4,863 |
| Cost of funding earning assets | 0.2483% | 4,578 |
| Net interest margin | 3.2222% | 4,398 |
| Noninterest income to average assets | 0.6186% | 2,370 |
| Noninterest expense to average assets | 2.2461% | 4,427 |
| Loan and lease loss provision to assets | 0.0710% | 2,660 |
| Net operating income to assets | 1.3316% | 1,248 |
| Return on assets (ROA) | 1.3316% | 1,273 |
| Pretax return on assets | 1.3480% | 2,294 |
| Return on Equity (ROE) | 16.2895% | 495 |
| Retained earnings to average equity (ytd only) | 6.2714% | 2,075 |
| Net charge-offs to loans | 0.0181% | 3,136 |
| Credit loss provision to net charge-offs | 619.0476% | 532 |
| Earnings coverage of net charge-offs (x) | 123.7589% | 615 |
| Efficiency ratio | 61.2096% | 4,012 |
| Assets per employee ($millions) | 4.2159% | 3,616 |
| Cash dividends to net income (ytd only)* | 61.5006% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8383% | 4,795 |
| Loan loss allowance to noncurrent loans | 408.3851% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 4,595 |
| Noncurrent loans to loans | 0.2053% | 4,258 |
| Net loans and leases to total assets | 62.5380% | 3,597 |
| Net loans and leases to deposits | 68.3686% | 4,086 |
| Net loans and leases to core deposits | 69.5889% | 4,262 |
| Total domestic deposits to total assets | 91.4718% | 104 |
| Equity capital to assets | 8.2874% | 5,401 |
| Core capital (leverage) ratio | 8.6464% | 5,114 |
| Tier 1 risk-based capital ratio | 14.7370% | 3,043 |
| Total risk-based capital ratio | 15.6574% | 3,152 |
| Memoranda: | ||
| Average total assets | $244,211,250 | 2,551 |
| Average earning assets | $230,895,000 | 2,506 |
| Average equity | $19,963,250 | 3,167 |
| Average total loans | $154,864,750 | 2,617 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 4,925 |
| Cost of funding earning assets | 0.2459% | 4,579 |
| Net interest margin | 3.1787% | 4,476 |
| Noninterest income to average assets | 0.3609% | 3,976 |
| Noninterest expense to average assets | 2.2390% | 4,480 |
| Loan and lease loss provision to assets | 0.0824% | 2,341 |
| Net operating income to assets | 1.0260% | 2,308 |
| Return on assets (ROA) | 1.0260% | 2,350 |
| Pretax return on assets | 1.0433% | 3,395 |
| Return on Equity (ROE) | 12.6099% | 1,139 |
| Retained earnings to average equity (ytd only) | 2.4815% | 4,203 |
| Net charge-offs to loans | 0.0039% | 3,355 |
| Credit loss provision to net charge-offs | 3,333.3333% | 125 |
| Earnings coverage of net charge-offs (x) | 455.3333% | 183 |
| Efficiency ratio | 66.4217% | 3,280 |
| Assets per employee ($millions) | 4.1648% | 3,687 |
| Cash dividends to net income (ytd only)* | 80.3213% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 4,891 |
| Loan loss allowance to noncurrent loans | 406.2305% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 4,663 |
| Noncurrent loans to loans | 0.2022% | 4,307 |
| Net loans and leases to total assets | 64.0886% | 3,373 |
| Net loans and leases to deposits | 69.9188% | 3,919 |
| Net loans and leases to core deposits | 71.5023% | 4,124 |
| Total domestic deposits to total assets | 91.6614% | 111 |
| Equity capital to assets | 8.1400% | 5,474 |
| Core capital (leverage) ratio | 8.5194% | 5,201 |
| Tier 1 risk-based capital ratio | 14.0451% | 3,411 |
| Total risk-based capital ratio | 14.9446% | 3,511 |
| Memoranda: | ||
| Average total assets | $242,701,670 | 2,573 |
| Average earning assets | $229,338,330 | 2,535 |
| Average equity | $19,746,330 | 3,186 |
| Average total loans | $154,195,670 | 2,637 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3959% | 4,929 |
| Cost of funding earning assets | 0.2427% | 4,599 |
| Net interest margin | 3.1532% | 4,492 |
| Noninterest income to average assets | 0.3765% | 3,832 |
| Noninterest expense to average assets | 2.2804% | 4,456 |
| Loan and lease loss provision to assets | 0.0663% | 2,473 |
| Net operating income to assets | 0.9835% | 2,376 |
| Return on assets (ROA) | 0.9835% | 2,423 |
| Pretax return on assets | 1.0034% | 3,356 |
| Return on Equity (ROE) | 12.0906% | 1,208 |
| Retained earnings to average equity (ytd only) | 1.8962% | 4,366 |
| Net charge-offs to loans | 0.0026% | 2,878 |
| Credit loss provision to net charge-offs | 4,000.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 645.0000% | 83 |
| Efficiency ratio | 67.8218% | 3,228 |
| Assets per employee ($millions) | 4.0898% | 3,860 |
| Cash dividends to net income (ytd only)* | 84.3170% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 5,022 |
| Loan loss allowance to noncurrent loans | 1,233.6634% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 5,140 |
| Noncurrent loans to loans | 0.0661% | 4,935 |
| Net loans and leases to total assets | 62.7703% | 3,428 |
| Net loans and leases to deposits | 68.4639% | 3,949 |
| Net loans and leases to core deposits | 69.0840% | 4,215 |
| Total domestic deposits to total assets | 91.6838% | 149 |
| Equity capital to assets | 8.1799% | 5,429 |
| Core capital (leverage) ratio | 8.5429% | 5,196 |
| Tier 1 risk-based capital ratio | 14.8037% | 3,063 |
| Total risk-based capital ratio | 15.7165% | 3,149 |
| Memoranda: | ||
| Average total assets | $241,190,500 | 2,602 |
| Average earning assets | $227,451,000 | 2,576 |
| Average equity | $19,618,500 | 3,214 |
| Average total loans | $151,901,000 | 2,674 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3548% | 5,067 |
| Cost of funding earning assets | 0.2566% | 4,509 |
| Net interest margin | 3.0981% | 4,731 |
| Noninterest income to average assets | 0.3764% | 4,055 |
| Noninterest expense to average assets | 2.2968% | 4,567 |
| Loan and lease loss provision to assets | 0.0146% | 4,085 |
| Net operating income to assets | 0.9677% | 2,497 |
| Return on assets (ROA) | 0.9677% | 2,602 |
| Pretax return on assets | 0.9806% | 3,538 |
| Return on Equity (ROE) | 11.6783% | 1,346 |
| Retained earnings to average equity (ytd only) | 2.1306% | 4,318 |
| Net charge-offs to loans | 0.0262% | 3,512 |
| Credit loss provision to net charge-offs | 89.7436% | 2,800 |
| Earnings coverage of net charge-offs (x) | 61.2821% | 875 |
| Efficiency ratio | 69.5548% | 2,985 |
| Assets per employee ($millions) | 4.0861% | 3,817 |
| Cash dividends to net income (ytd only)* | 81.7556% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 5,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 62.1722% | 3,593 |
| Net loans and leases to deposits | 67.7016% | 4,108 |
| Net loans and leases to core deposits | 68.3135% | 4,372 |
| Total domestic deposits to total assets | 91.8327% | 124 |
| Equity capital to assets | 8.0881% | 5,522 |
| Core capital (leverage) ratio | 8.2257% | 5,492 |
| Tier 1 risk-based capital ratio | 15.2456% | 2,862 |
| Total risk-based capital ratio | 16.1598% | 2,949 |
| Memoranda: | ||
| Average total assets | $240,158,800 | 2,576 |
| Average earning assets | $226,006,400 | 2,544 |
| Average equity | $19,900,200 | 3,179 |
| Average total loans | $149,012,000 | 2,658 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3456% | 5,133 |
| Cost of funding earning assets | 0.2616% | 4,489 |
| Net interest margin | 3.0840% | 4,813 |
| Noninterest income to average assets | 0.3623% | 4,189 |
| Noninterest expense to average assets | 2.2990% | 4,534 |
| Loan and lease loss provision to assets | 0.0111% | 4,021 |
| Net operating income to assets | 0.9419% | 2,691 |
| Return on assets (ROA) | 0.9419% | 2,822 |
| Pretax return on assets | 0.9547% | 3,794 |
| Return on Equity (ROE) | 11.2994% | 1,561 |
| Retained earnings to average equity (ytd only) | 1.9666% | 4,704 |
| Net charge-offs to loans | -0.0431% | 5,315 |
| Credit loss provision to net charge-offs | -41.6667% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1957% | 2,856 |
| Assets per employee ($millions) | 4.1079% | 3,774 |
| Cash dividends to net income (ytd only)* | 82.5960% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 5,019 |
| Loan loss allowance to noncurrent loans | 4,564.2857% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 5,478 |
| Noncurrent loans to loans | 0.0187% | 5,321 |
| Net loans and leases to total assets | 61.1374% | 3,727 |
| Net loans and leases to deposits | 66.9214% | 4,252 |
| Net loans and leases to core deposits | 67.6909% | 4,491 |
| Total domestic deposits to total assets | 91.3570% | 133 |
| Equity capital to assets | 8.3592% | 5,601 |
| Core capital (leverage) ratio | 8.2739% | 5,515 |
| Tier 1 risk-based capital ratio | 15.2571% | 2,932 |
| Total risk-based capital ratio | 16.2330% | 2,989 |
| Memoranda: | ||
| Average total assets | $239,928,000 | 2,587 |
| Average earning assets | $225,803,000 | 2,552 |
| Average equity | $20,000,500 | 3,191 |
| Average total loans | $148,492,000 | 2,664 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3272% | 5,232 |
| Cost of funding earning assets | 0.2677% | 4,471 |
| Net interest margin | 3.0595% | 4,949 |
| Noninterest income to average assets | 0.3555% | 4,232 |
| Noninterest expense to average assets | 2.3286% | 4,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9008% | 2,862 |
| Return on assets (ROA) | 0.9008% | 2,995 |
| Pretax return on assets | 0.9142% | 3,899 |
| Return on Equity (ROE) | 10.8165% | 1,712 |
| Retained earnings to average equity (ytd only) | 1.7776% | 4,665 |
| Net charge-offs to loans | -0.0364% | 5,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6018% | 2,731 |
| Assets per employee ($millions) | 3.9120% | 4,074 |
| Cash dividends to net income (ytd only)* | 83.5655% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8424% | 5,154 |
| Loan loss allowance to noncurrent loans | 718.6047% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 5,255 |
| Noncurrent loans to loans | 0.1172% | 4,977 |
| Net loans and leases to total assets | 60.9694% | 3,756 |
| Net loans and leases to deposits | 66.7679% | 4,286 |
| Net loans and leases to core deposits | 67.5469% | 4,509 |
| Total domestic deposits to total assets | 91.3155% | 136 |
| Equity capital to assets | 8.5261% | 5,580 |
| Core capital (leverage) ratio | 8.3013% | 5,533 |
| Tier 1 risk-based capital ratio | 15.3519% | 2,926 |
| Total risk-based capital ratio | 16.3073% | 2,993 |
| Memoranda: | ||
| Average total assets | $239,114,330 | 2,606 |
| Average earning assets | $225,655,000 | 2,571 |
| Average equity | $19,914,000 | 3,209 |
| Average total loans | $148,170,670 | 2,675 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2972% | 5,326 |
| Cost of funding earning assets | 0.2899% | 4,279 |
| Net interest margin | 3.0072% | 5,106 |
| Noninterest income to average assets | 0.3576% | 4,167 |
| Noninterest expense to average assets | 2.3864% | 4,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7988% | 3,256 |
| Return on assets (ROA) | 0.7988% | 3,371 |
| Pretax return on assets | 0.8139% | 4,152 |
| Return on Equity (ROE) | 9.7066% | 2,112 |
| Retained earnings to average equity (ytd only) | 0.5686% | 4,975 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4125% | 2,410 |
| Assets per employee ($millions) | 3.9806% | 3,982 |
| Cash dividends to net income (ytd only)* | 94.1423% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8146% | 5,325 |
| Loan loss allowance to noncurrent loans | 741.7178% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 5,212 |
| Noncurrent loans to loans | 0.1098% | 5,037 |
| Net loans and leases to total assets | 60.6255% | 3,694 |
| Net loans and leases to deposits | 66.1150% | 4,241 |
| Net loans and leases to core deposits | 66.9500% | 4,476 |
| Total domestic deposits to total assets | 91.6970% | 138 |
| Equity capital to assets | 8.1942% | 5,748 |
| Core capital (leverage) ratio | 8.1579% | 5,677 |
| Tier 1 risk-based capital ratio | 15.0705% | 3,123 |
| Total risk-based capital ratio | 15.9951% | 3,207 |
| Memoranda: | ||
| Average total assets | $239,356,000 | 2,621 |
| Average earning assets | $226,253,500 | 2,577 |
| Average equity | $19,698,000 | 3,234 |
| Average total loans | $148,892,000 | 2,671 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2527% | 5,429 |
| Cost of funding earning assets | 0.3076% | 4,172 |
| Net interest margin | 2.9451% | 5,261 |
| Noninterest income to average assets | 0.3927% | 4,087 |
| Noninterest expense to average assets | 2.4210% | 4,463 |
| Loan and lease loss provision to assets | 0.0464% | 3,396 |
| Net operating income to assets | 0.6943% | 3,837 |
| Return on assets (ROA) | 0.8757% | 3,077 |
| Pretax return on assets | 0.8854% | 3,904 |
| Return on Equity (ROE) | 10.5821% | 1,765 |
| Retained earnings to average equity (ytd only) | 2.1634% | 4,490 |
| Net charge-offs to loans | 0.0042% | 4,304 |
| Credit loss provision to net charge-offs | 1,833.3333% | 185 |
| Earnings coverage of net charge-offs (x) | 295.5000% | 242 |
| Efficiency ratio | 76.1289% | 2,249 |
| Assets per employee ($millions) | 3.8671% | 4,183 |
| Cash dividends to net income (ytd only)* | 79.5564% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 5,385 |
| Loan loss allowance to noncurrent loans | 790.8497% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 5,250 |
| Noncurrent loans to loans | 0.1024% | 5,090 |
| Net loans and leases to total assets | 62.8059% | 3,446 |
| Net loans and leases to deposits | 68.5197% | 4,081 |
| Net loans and leases to core deposits | 69.4098% | 4,345 |
| Total domestic deposits to total assets | 91.6611% | 149 |
| Equity capital to assets | 8.2660% | 5,727 |
| Core capital (leverage) ratio | 8.5672% | 5,359 |
| Tier 1 risk-based capital ratio | 14.7031% | 3,330 |
| Total risk-based capital ratio | 15.6071% | 3,432 |
| Memoranda: | ||
| Average total assets | $236,846,400 | 2,608 |
| Average earning assets | $223,318,800 | 2,558 |
| Average equity | $19,599,200 | 3,213 |
| Average total loans | $143,135,400 | 2,691 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2183% | 5,564 |
| Cost of funding earning assets | 0.3118% | 4,201 |
| Net interest margin | 2.9065% | 5,401 |
| Noninterest income to average assets | 0.3796% | 4,217 |
| Noninterest expense to average assets | 2.4053% | 4,497 |
| Loan and lease loss provision to assets | 0.0506% | 3,194 |
| Net operating income to assets | 0.6579% | 4,090 |
| Return on assets (ROA) | 0.8745% | 3,152 |
| Pretax return on assets | 0.8841% | 4,037 |
| Return on Equity (ROE) | 10.5649% | 1,873 |
| Retained earnings to average equity (ytd only) | 2.4119% | 4,669 |
| Net charge-offs to loans | -0.0405% | 5,471 |
| Credit loss provision to net charge-offs | -209.3023% | 5,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8108% | 2,116 |
| Assets per employee ($millions) | 3.8955% | 4,092 |
| Cash dividends to net income (ytd only)* | 77.1705% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8465% | 5,382 |
| Loan loss allowance to noncurrent loans | 482.1012% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 4,878 |
| Noncurrent loans to loans | 0.1756% | 4,951 |
| Net loans and leases to total assets | 61.0751% | 3,723 |
| Net loans and leases to deposits | 66.7628% | 4,302 |
| Net loans and leases to core deposits | 67.6324% | 4,573 |
| Total domestic deposits to total assets | 91.4807% | 160 |
| Equity capital to assets | 8.3460% | 5,803 |
| Core capital (leverage) ratio | 8.2920% | 5,725 |
| Tier 1 risk-based capital ratio | 15.0018% | 3,289 |
| Total risk-based capital ratio | 15.9496% | 3,383 |
| Memoranda: | ||
| Average total assets | $237,084,250 | 2,613 |
| Average earning assets | $223,630,250 | 2,578 |
| Average equity | $19,624,250 | 3,239 |
| Average total loans | $141,577,750 | 2,724 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1947% | 5,631 |
| Cost of funding earning assets | 0.3175% | 4,193 |
| Net interest margin | 2.8772% | 5,482 |
| Noninterest income to average assets | 0.3698% | 4,300 |
| Noninterest expense to average assets | 2.3866% | 4,593 |
| Loan and lease loss provision to assets | 0.0507% | 3,109 |
| Net operating income to assets | 0.6339% | 4,203 |
| Return on assets (ROA) | 0.9590% | 2,704 |
| Pretax return on assets | 0.9692% | 3,702 |
| Return on Equity (ROE) | 11.6185% | 1,493 |
| Retained earnings to average equity (ytd only) | 3.4365% | 3,857 |
| Net charge-offs to loans | -0.0243% | 5,233 |
| Credit loss provision to net charge-offs | -352.9412% | 5,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2902% | 2,162 |
| Assets per employee ($millions) | 3.7951% | 4,264 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 5,505 |
| Loan loss allowance to noncurrent loans | 585.6436% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 4,952 |
| Noncurrent loans to loans | 0.1428% | 5,180 |
| Net loans and leases to total assets | 60.5888% | 3,744 |
| Net loans and leases to deposits | 66.3229% | 4,306 |
| Net loans and leases to core deposits | 67.2099% | 4,558 |
| Total domestic deposits to total assets | 91.3543% | 221 |
| Equity capital to assets | 8.4859% | 5,699 |
| Core capital (leverage) ratio | 8.4498% | 5,580 |
| Tier 1 risk-based capital ratio | 15.8753% | 2,915 |
| Total risk-based capital ratio | 16.8340% | 3,002 |
| Memoranda: | ||
| Average total assets | $236,904,330 | 2,641 |
| Average earning assets | $222,994,000 | 2,600 |
| Average equity | $19,555,000 | 3,270 |
| Average total loans | $139,981,000 | 2,749 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1265% | 5,751 |
| Cost of funding earning assets | 0.3270% | 4,136 |
| Net interest margin | 2.7996% | 5,640 |
| Noninterest income to average assets | 0.3639% | 4,297 |
| Noninterest expense to average assets | 2.3772% | 4,664 |
| Loan and lease loss provision to assets | 0.0501% | 2,930 |
| Net operating income to assets | 0.5758% | 4,382 |
| Return on assets (ROA) | 1.2187% | 1,588 |
| Pretax return on assets | 1.2304% | 2,547 |
| Return on Equity (ROE) | 14.9667% | 715 |
| Retained earnings to average equity (ytd only) | 6.7658% | 2,117 |
| Net charge-offs to loans | -0.0086% | 4,661 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7458% | 2,080 |
| Assets per employee ($millions) | 3.6975% | 4,523 |
| Cash dividends to net income (ytd only)* | 54.7945% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 5,682 |
| Loan loss allowance to noncurrent loans | 165.3120% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 4,061 |
| Noncurrent loans to loans | 0.4870% | 4,119 |
| Net loans and leases to total assets | 62.2251% | 3,331 |
| Net loans and leases to deposits | 68.3867% | 3,918 |
| Net loans and leases to core deposits | 69.2430% | 4,229 |
| Total domestic deposits to total assets | 90.9900% | 370 |
| Equity capital to assets | 8.7591% | 5,538 |
| Core capital (leverage) ratio | 8.1909% | 5,813 |
| Tier 1 risk-based capital ratio | 15.7382% | 3,044 |
| Total risk-based capital ratio | 16.6537% | 3,131 |
| Memoranda: | ||
| Average total assets | $239,605,000 | 2,635 |
| Average earning assets | $226,321,500 | 2,590 |
| Average equity | $19,510,000 | 3,290 |
| Average total loans | $139,247,500 | 2,764 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0470% | 6,012 |
| Cost of funding earning assets | 0.3556% | 4,193 |
| Net interest margin | 2.6914% | 5,956 |
| Noninterest income to average assets | 0.4293% | 3,975 |
| Noninterest expense to average assets | 2.1462% | 5,464 |
| Loan and lease loss provision to assets | 0.0025% | 4,554 |
| Net operating income to assets | 0.8193% | 3,286 |
| Return on assets (ROA) | 0.8193% | 3,372 |
| Pretax return on assets | 0.8263% | 4,162 |
| Return on Equity (ROE) | 10.4768% | 1,914 |
| Retained earnings to average equity (ytd only) | 2.2263% | 4,661 |
| Net charge-offs to loans | 0.0859% | 3,266 |
| Credit loss provision to net charge-offs | 5.3097% | 4,155 |
| Earnings coverage of net charge-offs (x) | 17.9027% | 1,880 |
| Efficiency ratio | 71.8810% | 3,227 |
| Assets per employee ($millions) | 4.1584% | 3,617 |
| Cash dividends to net income (ytd only)* | 78.7500% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 5,754 |
| Loan loss allowance to noncurrent loans | 221.2000% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 4,505 |
| Noncurrent loans to loans | 0.3649% | 4,559 |
| Net loans and leases to total assets | 53.5762% | 4,628 |
| Net loans and leases to deposits | 58.0336% | 5,063 |
| Net loans and leases to core deposits | 60.2304% | 5,131 |
| Total domestic deposits to total assets | 92.3193% | 112 |
| Equity capital to assets | 7.5944% | 6,205 |
| Core capital (leverage) ratio | 7.7791% | 6,106 |
| Tier 1 risk-based capital ratio | 14.9978% | 3,488 |
| Total risk-based capital ratio | 15.8606% | 3,647 |
| Memoranda: | ||
| Average total assets | $244,109,600 | 2,583 |
| Average earning assets | $230,882,200 | 2,512 |
| Average equity | $19,089,800 | 3,275 |
| Average total loans | $131,526,400 | 2,838 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0328% | 6,102 |
| Cost of funding earning assets | 0.3631% | 4,202 |
| Net interest margin | 2.6697% | 6,042 |
| Noninterest income to average assets | 0.4435% | 3,935 |
| Noninterest expense to average assets | 2.1219% | 5,526 |
| Loan and lease loss provision to assets | 0.0033% | 4,343 |
| Net operating income to assets | 0.8434% | 3,215 |
| Return on assets (ROA) | 0.8434% | 3,307 |
| Pretax return on assets | 0.8489% | 4,182 |
| Return on Equity (ROE) | 10.7035% | 1,905 |
| Retained earnings to average equity (ytd only) | 2.1281% | 4,991 |
| Net charge-offs to loans | 0.1260% | 2,534 |
| Credit loss provision to net charge-offs | 4.8780% | 3,756 |
| Earnings coverage of net charge-offs (x) | 12.5607% | 2,304 |
| Efficiency ratio | 71.0868% | 3,331 |
| Assets per employee ($millions) | 4.0402% | 3,793 |
| Cash dividends to net income (ytd only)* | 80.1174% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8370% | 5,776 |
| Loan loss allowance to noncurrent loans | 171.9436% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6553% | 3,873 |
| Noncurrent loans to loans | 0.4868% | 4,452 |
| Net loans and leases to total assets | 52.7362% | 4,728 |
| Net loans and leases to deposits | 57.2703% | 5,154 |
| Net loans and leases to core deposits | 59.5755% | 5,223 |
| Total domestic deposits to total assets | 92.0829% | 146 |
| Equity capital to assets | 7.7369% | 6,232 |
| Core capital (leverage) ratio | 7.8500% | 6,156 |
| Tier 1 risk-based capital ratio | 15.5070% | 3,316 |
| Total risk-based capital ratio | 16.3976% | 3,441 |
| Memoranda: | ||
| Average total assets | $241,721,750 | 2,614 |
| Average earning assets | $229,131,000 | 2,549 |
| Average equity | $19,046,250 | 3,296 |
| Average total loans | $130,156,000 | 2,873 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0309% | 6,145 |
| Cost of funding earning assets | 0.3697% | 4,210 |
| Net interest margin | 2.6612% | 6,097 |
| Noninterest income to average assets | 0.4589% | 3,796 |
| Noninterest expense to average assets | 2.0213% | 5,800 |
| Loan and lease loss provision to assets | 0.0050% | 4,132 |
| Net operating income to assets | 0.9486% | 2,555 |
| Return on assets (ROA) | 0.9486% | 2,653 |
| Pretax return on assets | 0.9503% | 3,677 |
| Return on Equity (ROE) | 11.9649% | 1,431 |
| Retained earnings to average equity (ytd only) | 2.5106% | 4,604 |
| Net charge-offs to loans | 0.0123% | 3,995 |
| Credit loss provision to net charge-offs | 75.0000% | 2,386 |
| Earnings coverage of net charge-offs (x) | 143.3750% | 427 |
| Efficiency ratio | 67.6553% | 4,073 |
| Assets per employee ($millions) | 3.9539% | 3,940 |
| Cash dividends to net income (ytd only)* | 79.0167% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 5,660 |
| Loan loss allowance to noncurrent loans | 66.2473% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9814% | 3,101 |
| Noncurrent loans to loans | 1.3916% | 2,475 |
| Net loans and leases to total assets | 53.9604% | 4,546 |
| Net loans and leases to deposits | 58.7354% | 4,980 |
| Net loans and leases to core deposits | 61.0787% | 5,046 |
| Total domestic deposits to total assets | 91.8703% | 190 |
| Equity capital to assets | 7.9750% | 6,168 |
| Core capital (leverage) ratio | 8.0986% | 6,021 |
| Tier 1 risk-based capital ratio | 15.4918% | 3,354 |
| Total risk-based capital ratio | 16.4777% | 3,460 |
| Memoranda: | ||
| Average total assets | $240,144,000 | 2,637 |
| Average earning assets | $227,192,000 | 2,573 |
| Average equity | $19,039,000 | 3,283 |
| Average total loans | $129,852,000 | 2,873 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0030% | 6,242 |
| Cost of funding earning assets | 0.3718% | 4,293 |
| Net interest margin | 2.6312% | 6,193 |
| Noninterest income to average assets | 0.4908% | 3,488 |
| Noninterest expense to average assets | 1.7895% | 6,237 |
| Loan and lease loss provision to assets | 0.0100% | 3,699 |
| Net operating income to assets | 1.1802% | 1,539 |
| Return on assets (ROA) | 1.1802% | 1,604 |
| Pretax return on assets | 1.1719% | 2,604 |
| Return on Equity (ROE) | 14.9306% | 782 |
| Retained earnings to average equity (ytd only) | 6.4833% | 2,294 |
| Net charge-offs to loans | 0.0403% | 2,824 |
| Credit loss provision to net charge-offs | 46.1538% | 2,244 |
| Earnings coverage of net charge-offs (x) | 54.4615% | 708 |
| Efficiency ratio | 59.9438% | 5,418 |
| Assets per employee ($millions) | 3.9277% | 4,087 |
| Cash dividends to net income (ytd only)* | 56.5771% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 5,791 |
| Loan loss allowance to noncurrent loans | 48.6486% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 1.1837% | 2,891 |
| Noncurrent loans to loans | 1.8979% | 2,003 |
| Net loans and leases to total assets | 54.0136% | 4,416 |
| Net loans and leases to deposits | 58.7682% | 4,867 |
| Net loans and leases to core deposits | 61.1252% | 4,954 |
| Total domestic deposits to total assets | 91.9094% | 272 |
| Equity capital to assets | 7.9729% | 6,079 |
| Core capital (leverage) ratio | 8.1141% | 6,026 |
| Tier 1 risk-based capital ratio | 15.5790% | 3,391 |
| Total risk-based capital ratio | 16.5630% | 3,497 |
| Memoranda: | ||
| Average total assets | $239,621,000 | 2,650 |
| Average earning assets | $225,906,000 | 2,594 |
| Average equity | $18,941,000 | 3,287 |
| Average total loans | $129,099,000 | 2,894 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2758% | 6,038 |
| Cost of funding earning assets | 0.4044% | 4,599 |
| Net interest margin | 2.8714% | 5,848 |
| Noninterest income to average assets | 1.0941% | 1,172 |
| Noninterest expense to average assets | 2.4278% | 4,999 |
| Loan and lease loss provision to assets | 0.1062% | 3,021 |
| Net operating income to assets | 1.2853% | 1,288 |
| Return on assets (ROA) | 1.2853% | 1,342 |
| Pretax return on assets | 1.3023% | 2,140 |
| Return on Equity (ROE) | 15.6187% | 673 |
| Retained earnings to average equity (ytd only) | 3.7433% | 3,556 |
| Net charge-offs to loans | 0.0797% | 4,104 |
| Credit loss provision to net charge-offs | 240.3846% | 952 |
| Earnings coverage of net charge-offs (x) | 31.8750% | 1,122 |
| Efficiency ratio | 63.0745% | 5,047 |
| Assets per employee ($millions) | 3.9288% | 4,006 |
| Cash dividends to net income (ytd only)* | 76.0331% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 5,756 |
| Loan loss allowance to noncurrent loans | 156.9211% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 4,762 |
| Noncurrent loans to loans | 0.6059% | 4,464 |
| Net loans and leases to total assets | 52.7298% | 4,757 |
| Net loans and leases to deposits | 57.2575% | 5,188 |
| Net loans and leases to core deposits | 59.4336% | 5,260 |
| Total domestic deposits to total assets | 92.0923% | 263 |
| Equity capital to assets | 7.8363% | 6,125 |
| Core capital (leverage) ratio | 7.9085% | 6,198 |
| Tier 1 risk-based capital ratio | 15.6360% | 3,287 |
| Total risk-based capital ratio | 16.6459% | 3,381 |
| Memoranda: | ||
| Average total assets | $235,354,400 | 2,665 |
| Average earning assets | $224,768,600 | 2,571 |
| Average equity | $19,367,800 | 3,238 |
| Average total loans | $130,449,800 | 2,859 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2971% | 6,066 |
| Cost of funding earning assets | 0.4103% | 4,729 |
| Net interest margin | 2.8868% | 5,847 |
| Noninterest income to average assets | 1.3471% | 806 |
| Noninterest expense to average assets | 2.2719% | 5,429 |
| Loan and lease loss provision to assets | 0.1423% | 2,507 |
| Net operating income to assets | 1.6863% | 634 |
| Return on assets (ROA) | 1.6863% | 670 |
| Pretax return on assets | 1.7039% | 1,087 |
| Return on Equity (ROE) | 20.2440% | 286 |
| Retained earnings to average equity (ytd only) | 8.6292% | 1,183 |
| Net charge-offs to loans | 0.0081% | 4,996 |
| Credit loss provision to net charge-offs | 3,125.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 405.3636% | 143 |
| Efficiency ratio | 54.9751% | 6,019 |
| Assets per employee ($millions) | 3.9238% | 3,993 |
| Cash dividends to net income (ytd only)* | 57.3743% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 5,688 |
| Loan loss allowance to noncurrent loans | 150.2870% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 4,475 |
| Noncurrent loans to loans | 0.6690% | 4,528 |
| Net loans and leases to total assets | 53.8437% | 4,637 |
| Net loans and leases to deposits | 58.6840% | 5,113 |
| Net loans and leases to core deposits | 61.0705% | 5,209 |
| Total domestic deposits to total assets | 91.7520% | 297 |
| Equity capital to assets | 8.0880% | 6,086 |
| Core capital (leverage) ratio | 8.2188% | 6,043 |
| Tier 1 risk-based capital ratio | 16.2263% | 3,073 |
| Total risk-based capital ratio | 17.3260% | 3,112 |
| Memoranda: | ||
| Average total assets | $234,279,500 | 2,697 |
| Average earning assets | $224,878,750 | 2,579 |
| Average equity | $19,514,750 | 3,241 |
| Average total loans | $131,166,750 | 2,857 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3609% | 5,989 |
| Cost of funding earning assets | 0.4164% | 4,791 |
| Net interest margin | 2.9445% | 5,706 |
| Noninterest income to average assets | 1.8565% | 496 |
| Noninterest expense to average assets | 2.2555% | 5,488 |
| Loan and lease loss provision to assets | 0.2150% | 1,760 |
| Net operating income to assets | 2.1893% | 266 |
| Return on assets (ROA) | 2.1893% | 282 |
| Pretax return on assets | 2.2073% | 407 |
| Return on Equity (ROE) | 26.0238% | 110 |
| Retained earnings to average equity (ytd only) | 14.7802% | 249 |
| Net charge-offs to loans | 0.0015% | 4,890 |
| Credit loss provision to net charge-offs | 25,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 2,817.0000% | 5 |
| Efficiency ratio | 48.0515% | 6,530 |
| Assets per employee ($millions) | 3.7995% | 4,209 |
| Cash dividends to net income (ytd only)* | 43.2050% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 5,774 |
| Loan loss allowance to noncurrent loans | 168.7179% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6575% | 4,584 |
| Noncurrent loans to loans | 0.5992% | 4,759 |
| Net loans and leases to total assets | 55.5958% | 4,356 |
| Net loans and leases to deposits | 60.7159% | 4,891 |
| Net loans and leases to core deposits | 63.4004% | 4,961 |
| Total domestic deposits to total assets | 91.5671% | 355 |
| Equity capital to assets | 8.3216% | 5,949 |
| Core capital (leverage) ratio | 8.3485% | 5,826 |
| Tier 1 risk-based capital ratio | 16.7589% | 2,811 |
| Total risk-based capital ratio | 17.8904% | 2,837 |
| Memoranda: | ||
| Average total assets | $232,588,000 | 2,717 |
| Average earning assets | $222,859,670 | 2,610 |
| Average equity | $19,566,670 | 3,252 |
| Average total loans | $131,493,670 | 2,855 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4750% | 5,772 |
| Cost of funding earning assets | 0.4256% | 4,857 |
| Net interest margin | 3.0494% | 5,438 |
| Noninterest income to average assets | 3.4661% | 209 |
| Noninterest expense to average assets | 2.2558% | 5,555 |
| Loan and lease loss provision to assets | 0.0515% | 3,761 |
| Net operating income to assets | 4.0550% | 58 |
| Return on assets (ROA) | 4.0550% | 62 |
| Pretax return on assets | 4.0739% | 80 |
| Return on Equity (ROE) | 47.9436% | 30 |
| Retained earnings to average equity (ytd only) | 37.7946% | 26 |
| Net charge-offs to loans | -0.1211% | 6,521 |
| Credit loss provision to net charge-offs | -75.0000% | 5,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2166% | 6,924 |
| Assets per employee ($millions) | 3.8830% | 4,186 |
| Cash dividends to net income (ytd only)* | 21.1685% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 6,327 |
| Loan loss allowance to noncurrent loans | 134.5562% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.8696% | 4,206 |
| Noncurrent loans to loans | 0.6464% | 4,828 |
| Net loans and leases to total assets | 55.6191% | 4,148 |
| Net loans and leases to deposits | 61.0576% | 4,678 |
| Net loans and leases to core deposits | 63.7531% | 4,771 |
| Total domestic deposits to total assets | 91.0928% | 489 |
| Equity capital to assets | 8.8359% | 5,679 |
| Core capital (leverage) ratio | 8.5883% | 5,459 |
| Tier 1 risk-based capital ratio | 16.9757% | 2,762 |
| Total risk-based capital ratio | 17.9454% | 2,878 |
| Memoranda: | ||
| Average total assets | $232,996,500 | 2,744 |
| Average earning assets | $222,733,500 | 2,642 |
| Average equity | $19,706,500 | 3,279 |
| Average total loans | $132,155,000 | 2,862 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6954% | 6,058 |
| Cost of funding earning assets | 0.5134% | 5,127 |
| Net interest margin | 3.1820% | 5,614 |
| Noninterest income to average assets | 0.3200% | 5,170 |
| Noninterest expense to average assets | 2.2606% | 5,788 |
| Loan and lease loss provision to assets | 0.1165% | 4,171 |
| Net operating income to assets | 0.9523% | 2,533 |
| Return on assets (ROA) | 1.1929% | 1,791 |
| Pretax return on assets | 1.2074% | 2,781 |
| Return on Equity (ROE) | 14.4663% | 908 |
| Retained earnings to average equity (ytd only) | 2.4732% | 4,491 |
| Net charge-offs to loans | 0.2305% | 3,552 |
| Credit loss provision to net charge-offs | 84.1270% | 3,692 |
| Earnings coverage of net charge-offs (x) | 7.8063% | 2,524 |
| Efficiency ratio | 67.4428% | 4,243 |
| Assets per employee ($millions) | 3.8835% | 4,189 |
| Cash dividends to net income (ytd only)* | 82.9035% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7987% | 6,491 |
| Loan loss allowance to noncurrent loans | 116.3577% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.0090% | 4,018 |
| Noncurrent loans to loans | 0.6864% | 4,823 |
| Net loans and leases to total assets | 56.8743% | 4,136 |
| Net loans and leases to deposits | 61.8996% | 4,798 |
| Net loans and leases to core deposits | 64.6976% | 4,877 |
| Total domestic deposits to total assets | 91.8815% | 270 |
| Equity capital to assets | 8.0798% | 6,365 |
| Core capital (leverage) ratio | 7.9575% | 6,234 |
| Tier 1 risk-based capital ratio | 15.0345% | 3,700 |
| Total risk-based capital ratio | 15.9238% | 3,873 |
| Memoranda: | ||
| Average total assets | $227,504,600 | 2,757 |
| Average earning assets | $216,027,400 | 2,660 |
| Average equity | $18,760,800 | 3,363 |
| Average total loans | $136,674,600 | 2,761 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7476% | 6,136 |
| Cost of funding earning assets | 0.5299% | 5,245 |
| Net interest margin | 3.2177% | 5,658 |
| Noninterest income to average assets | 0.3143% | 5,268 |
| Noninterest expense to average assets | 2.4151% | 5,354 |
| Loan and lease loss provision to assets | 0.1562% | 3,569 |
| Net operating income to assets | 0.7934% | 3,485 |
| Return on assets (ROA) | 1.1167% | 2,230 |
| Pretax return on assets | 1.1309% | 3,230 |
| Return on Equity (ROE) | 13.4722% | 1,228 |
| Retained earnings to average equity (ytd only) | 2.8026% | 4,867 |
| Net charge-offs to loans | 0.2881% | 3,000 |
| Credit loss provision to net charge-offs | 89.2256% | 3,320 |
| Earnings coverage of net charge-offs (x) | 5.4849% | 3,006 |
| Efficiency ratio | 71.2838% | 3,451 |
| Assets per employee ($millions) | 3.7754% | 4,356 |
| Cash dividends to net income (ytd only)* | 79.1975% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 6,594 |
| Loan loss allowance to noncurrent loans | 89.7521% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.2144% | 3,864 |
| Noncurrent loans to loans | 0.8945% | 4,645 |
| Net loans and leases to total assets | 59.2358% | 3,924 |
| Net loans and leases to deposits | 65.0725% | 4,583 |
| Net loans and leases to core deposits | 68.3524% | 4,693 |
| Total domestic deposits to total assets | 91.0306% | 405 |
| Equity capital to assets | 8.3337% | 6,396 |
| Core capital (leverage) ratio | 7.8636% | 6,429 |
| Tier 1 risk-based capital ratio | 14.7493% | 4,016 |
| Total risk-based capital ratio | 15.6410% | 4,241 |
| Memoranda: | ||
| Average total assets | $226,127,750 | 2,793 |
| Average earning assets | $215,135,500 | 2,696 |
| Average equity | $18,744,250 | 3,400 |
| Average total loans | $137,445,500 | 2,785 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 6,124 |
| Cost of funding earning assets | 0.5487% | 5,314 |
| Net interest margin | 3.2584% | 5,566 |
| Noninterest income to average assets | 0.2876% | 5,510 |
| Noninterest expense to average assets | 2.4160% | 5,396 |
| Loan and lease loss provision to assets | 0.2080% | 2,995 |
| Net operating income to assets | 0.7483% | 3,614 |
| Return on assets (ROA) | 1.2337% | 1,789 |
| Pretax return on assets | 1.2443% | 2,749 |
| Return on Equity (ROE) | 14.9094% | 951 |
| Retained earnings to average equity (ytd only) | 4.2140% | 3,806 |
| Net charge-offs to loans | 0.3894% | 2,462 |
| Credit loss provision to net charge-offs | 87.3606% | 3,122 |
| Earnings coverage of net charge-offs (x) | 4.0409% | 3,189 |
| Efficiency ratio | 71.2602% | 3,557 |
| Assets per employee ($millions) | 3.7235% | 4,475 |
| Cash dividends to net income (ytd only)* | 71.7360% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 6,675 |
| Loan loss allowance to noncurrent loans | 64.5411% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.4283% | 3,572 |
| Noncurrent loans to loans | 1.2351% | 4,080 |
| Net loans and leases to total assets | 60.3291% | 3,763 |
| Net loans and leases to deposits | 65.9348% | 4,513 |
| Net loans and leases to core deposits | 69.2935% | 4,628 |
| Total domestic deposits to total assets | 91.4981% | 312 |
| Equity capital to assets | 8.3466% | 6,338 |
| Core capital (leverage) ratio | 8.0666% | 6,199 |
| Tier 1 risk-based capital ratio | 14.6630% | 3,985 |
| Total risk-based capital ratio | 15.5471% | 4,205 |
| Memoranda: | ||
| Average total assets | $225,995,330 | 2,805 |
| Average earning assets | $214,336,670 | 2,710 |
| Average equity | $18,699,670 | 3,398 |
| Average total loans | $138,170,670 | 2,783 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 6,140 |
| Cost of funding earning assets | 0.5667% | 5,385 |
| Net interest margin | 3.2830% | 5,520 |
| Noninterest income to average assets | 0.3608% | 4,994 |
| Noninterest expense to average assets | 2.4304% | 5,371 |
| Loan and lease loss provision to assets | 0.0880% | 4,266 |
| Net operating income to assets | 0.9521% | 2,681 |
| Return on assets (ROA) | 1.3146% | 1,585 |
| Pretax return on assets | 1.3146% | 2,490 |
| Return on Equity (ROE) | 15.9564% | 810 |
| Retained earnings to average equity (ytd only) | 5.2761% | 3,387 |
| Net charge-offs to loans | 0.2641% | 2,610 |
| Credit loss provision to net charge-offs | 54.3478% | 3,214 |
| Earnings coverage of net charge-offs (x) | 6.4239% | 2,212 |
| Efficiency ratio | 69.7769% | 3,855 |
| Assets per employee ($millions) | 3.7761% | 4,480 |
| Cash dividends to net income (ytd only)* | 66.9344% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 6,777 |
| Loan loss allowance to noncurrent loans | 50.2102% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 1.6525% | 3,375 |
| Noncurrent loans to loans | 1.5459% | 3,796 |
| Net loans and leases to total assets | 60.6557% | 3,520 |
| Net loans and leases to deposits | 66.1599% | 4,354 |
| Net loans and leases to core deposits | 70.2117% | 4,381 |
| Total domestic deposits to total assets | 91.6805% | 329 |
| Equity capital to assets | 8.2149% | 6,347 |
| Core capital (leverage) ratio | 7.8739% | 6,354 |
| Tier 1 risk-based capital ratio | 14.1305% | 4,375 |
| Total risk-based capital ratio | 14.9835% | 4,644 |
| Memoranda: | ||
| Average total assets | $227,289,000 | 2,798 |
| Average earning assets | $215,291,500 | 2,704 |
| Average equity | $18,726,000 | 3,390 |
| Average total loans | $139,324,500 | 2,795 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0579% | 6,344 |
| Cost of funding earning assets | 0.6562% | 5,790 |
| Net interest margin | 3.4017% | 5,474 |
| Noninterest income to average assets | 0.3211% | 5,248 |
| Noninterest expense to average assets | 2.3604% | 5,879 |
| Loan and lease loss provision to assets | 0.0400% | 6,072 |
| Net operating income to assets | 1.1423% | 1,687 |
| Return on assets (ROA) | 1.1449% | 1,794 |
| Pretax return on assets | 1.1671% | 2,589 |
| Return on Equity (ROE) | 14.0750% | 909 |
| Retained earnings to average equity (ytd only) | 3.1557% | 3,978 |
| Net charge-offs to loans | 0.1371% | 5,044 |
| Credit loss provision to net charge-offs | 47.3684% | 5,484 |
| Earnings coverage of net charge-offs (x) | 14.2737% | 1,469 |
| Efficiency ratio | 65.9275% | 4,787 |
| Assets per employee ($millions) | 3.5627% | 4,862 |
| Cash dividends to net income (ytd only)* | 77.5795% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 6,748 |
| Loan loss allowance to noncurrent loans | 50.0672% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 1.6644% | 3,458 |
| Noncurrent loans to loans | 1.5919% | 3,775 |
| Net loans and leases to total assets | 60.9756% | 3,793 |
| Net loans and leases to deposits | 66.5058% | 4,669 |
| Net loans and leases to core deposits | 70.6609% | 4,693 |
| Total domestic deposits to total assets | 91.6847% | 288 |
| Equity capital to assets | 8.2627% | 6,377 |
| Core capital (leverage) ratio | 7.8637% | 6,388 |
| Tier 1 risk-based capital ratio | 13.6189% | 4,610 |
| Total risk-based capital ratio | 14.4854% | 4,865 |
| Memoranda: | ||
| Average total assets | $225,172,400 | 2,782 |
| Average earning assets | $214,714,400 | 2,669 |
| Average equity | $18,316,200 | 3,385 |
| Average total loans | $138,553,800 | 2,819 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 6,462 |
| Cost of funding earning assets | 0.6794% | 5,882 |
| Net interest margin | 3.3957% | 5,594 |
| Noninterest income to average assets | 0.3101% | 5,384 |
| Noninterest expense to average assets | 2.4033% | 5,759 |
| Loan and lease loss provision to assets | 0.0178% | 6,215 |
| Net operating income to assets | 1.1257% | 1,891 |
| Return on assets (ROA) | 1.1292% | 2,003 |
| Pretax return on assets | 1.1405% | 2,857 |
| Return on Equity (ROE) | 13.9377% | 1,049 |
| Retained earnings to average equity (ytd only) | 3.3066% | 4,366 |
| Net charge-offs to loans | 0.1148% | 4,870 |
| Credit loss provision to net charge-offs | 25.2101% | 5,484 |
| Earnings coverage of net charge-offs (x) | 16.3364% | 1,405 |
| Efficiency ratio | 67.2621% | 4,473 |
| Assets per employee ($millions) | 3.5075% | 4,979 |
| Cash dividends to net income (ytd only)* | 76.2759% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8029% | 6,819 |
| Loan loss allowance to noncurrent loans | 44.1487% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 1.8247% | 3,360 |
| Noncurrent loans to loans | 1.8187% | 3,616 |
| Net loans and leases to total assets | 62.0808% | 3,703 |
| Net loans and leases to deposits | 67.9207% | 4,628 |
| Net loans and leases to core deposits | 72.5590% | 4,644 |
| Total domestic deposits to total assets | 91.4019% | 320 |
| Equity capital to assets | 8.4150% | 6,381 |
| Core capital (leverage) ratio | 7.6658% | 6,660 |
| Tier 1 risk-based capital ratio | 13.5274% | 4,710 |
| Total risk-based capital ratio | 14.4030% | 4,963 |
| Memoranda: | ||
| Average total assets | $224,462,000 | 2,797 |
| Average earning assets | $214,699,500 | 2,688 |
| Average equity | $18,185,250 | 3,407 |
| Average total loans | $138,154,750 | 2,851 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0665% | 6,545 |
| Cost of funding earning assets | 0.7100% | 5,904 |
| Net interest margin | 3.3565% | 5,692 |
| Noninterest income to average assets | 0.2834% | 5,615 |
| Noninterest expense to average assets | 2.4129% | 5,804 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0738% | 1,959 |
| Return on assets (ROA) | 1.0791% | 2,037 |
| Pretax return on assets | 1.0897% | 2,890 |
| Return on Equity (ROE) | 13.4928% | 1,089 |
| Retained earnings to average equity (ytd only) | 3.1866% | 4,243 |
| Net charge-offs to loans | 0.1616% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 10.9640% | 1,753 |
| Efficiency ratio | 68.7134% | 4,386 |
| Assets per employee ($millions) | 3.5270% | 4,873 |
| Cash dividends to net income (ytd only)* | 76.3832% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7931% | 6,882 |
| Loan loss allowance to noncurrent loans | 44.1647% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 1.8070% | 3,498 |
| Noncurrent loans to loans | 1.7958% | 3,760 |
| Net loans and leases to total assets | 61.2316% | 4,039 |
| Net loans and leases to deposits | 67.5562% | 4,775 |
| Net loans and leases to core deposits | 72.1667% | 4,794 |
| Total domestic deposits to total assets | 90.6379% | 661 |
| Equity capital to assets | 8.2683% | 6,453 |
| Core capital (leverage) ratio | 7.6645% | 6,614 |
| Tier 1 risk-based capital ratio | 13.3014% | 4,692 |
| Total risk-based capital ratio | 14.1533% | 4,971 |
| Memoranda: | ||
| Average total assets | $224,456,000 | 2,812 |
| Average earning assets | $214,925,000 | 2,703 |
| Average equity | $17,950,330 | 3,426 |
| Average total loans | $137,377,330 | 2,901 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0843% | 6,534 |
| Cost of funding earning assets | 0.7693% | 5,755 |
| Net interest margin | 3.3150% | 5,724 |
| Noninterest income to average assets | 0.2716% | 5,732 |
| Noninterest expense to average assets | 2.4699% | 5,670 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9829% | 2,238 |
| Return on assets (ROA) | 0.9829% | 2,294 |
| Pretax return on assets | 0.9901% | 3,160 |
| Return on Equity (ROE) | 12.5046% | 1,321 |
| Retained earnings to average equity (ytd only) | 3.4104% | 4,145 |
| Net charge-offs to loans | 0.1496% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 10.8627% | 1,603 |
| Efficiency ratio | 71.0744% | 4,041 |
| Assets per employee ($millions) | 3.5126% | 4,966 |
| Cash dividends to net income (ytd only)* | 72.7273% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 6,788 |
| Loan loss allowance to noncurrent loans | 64.0505% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.5649% | 3,903 |
| Noncurrent loans to loans | 1.3525% | 4,454 |
| Net loans and leases to total assets | 59.4034% | 4,385 |
| Net loans and leases to deposits | 64.5494% | 5,181 |
| Net loans and leases to core deposits | 69.0773% | 5,159 |
| Total domestic deposits to total assets | 92.0278% | 277 |
| Equity capital to assets | 7.8574% | 6,628 |
| Core capital (leverage) ratio | 7.8958% | 6,370 |
| Tier 1 risk-based capital ratio | 13.3927% | 4,509 |
| Total risk-based capital ratio | 14.3060% | 4,767 |
| Memoranda: | ||
| Average total assets | $223,819,000 | 2,837 |
| Average earning assets | $215,263,500 | 2,720 |
| Average equity | $17,593,500 | 3,474 |
| Average total loans | $136,404,500 | 2,957 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 6,175 |
| Cost of funding earning assets | 1.0426% | 5,469 |
| Net interest margin | 3.5340% | 5,100 |
| Noninterest income to average assets | 0.3377% | 5,369 |
| Noninterest expense to average assets | 2.3966% | 6,093 |
| Loan and lease loss provision to assets | 0.0812% | 6,339 |
| Net operating income to assets | 1.2109% | 1,387 |
| Return on assets (ROA) | 2.4147% | 136 |
| Pretax return on assets | 2.4300% | 206 |
| Return on Equity (ROE) | 30.2477% | 40 |
| Retained earnings to average equity (ytd only) | 17.3827% | 79 |
| Net charge-offs to loans | 0.1366% | 5,552 |
| Credit loss provision to net charge-offs | 90.9091% | 5,086 |
| Earnings coverage of net charge-offs (x) | 14.6364% | 1,325 |
| Efficiency ratio | 64.7021% | 5,223 |
| Assets per employee ($millions) | 3.4817% | 4,977 |
| Cash dividends to net income (ytd only)* | 42.5321% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 6,771 |
| Loan loss allowance to noncurrent loans | 53.6123% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 1.6613% | 3,810 |
| Noncurrent loans to loans | 1.6437% | 4,038 |
| Net loans and leases to total assets | 61.4286% | 4,410 |
| Net loans and leases to deposits | 66.7320% | 5,300 |
| Net loans and leases to core deposits | 70.9494% | 5,338 |
| Total domestic deposits to total assets | 92.0527% | 271 |
| Equity capital to assets | 7.8638% | 6,630 |
| Core capital (leverage) ratio | 7.8773% | 6,348 |
| Tier 1 risk-based capital ratio | 12.9848% | 4,609 |
| Total risk-based capital ratio | 13.9168% | 4,857 |
| Memoranda: | ||
| Average total assets | $209,341,800 | 2,988 |
| Average earning assets | $199,407,400 | 2,887 |
| Average equity | $16,712,000 | 3,647 |
| Average total loans | $136,943,800 | 3,000 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 6,158 |
| Cost of funding earning assets | 1.0882% | 5,495 |
| Net interest margin | 3.5698% | 5,021 |
| Noninterest income to average assets | 0.3424% | 5,432 |
| Noninterest expense to average assets | 2.4081% | 6,010 |
| Loan and lease loss provision to assets | 0.0712% | 6,351 |
| Net operating income to assets | 1.2429% | 1,484 |
| Return on assets (ROA) | 2.8761% | 95 |
| Pretax return on assets | 2.8897% | 138 |
| Return on Equity (ROE) | 35.8820% | 28 |
| Retained earnings to average equity (ytd only) | 22.9603% | 46 |
| Net charge-offs to loans | 0.1073% | 5,471 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 18.6458% | 1,247 |
| Efficiency ratio | 64.4602% | 5,166 |
| Assets per employee ($millions) | 3.5372% | 4,887 |
| Cash dividends to net income (ytd only)* | 36.0117% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 6,813 |
| Loan loss allowance to noncurrent loans | 70.9603% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.5444% | 4,131 |
| Noncurrent loans to loans | 1.2372% | 4,781 |
| Net loans and leases to total assets | 63.5327% | 4,216 |
| Net loans and leases to deposits | 69.4519% | 5,221 |
| Net loans and leases to core deposits | 73.8404% | 5,310 |
| Total domestic deposits to total assets | 91.4772% | 316 |
| Equity capital to assets | 8.3249% | 6,477 |
| Core capital (leverage) ratio | 7.7119% | 6,664 |
| Tier 1 risk-based capital ratio | 12.7306% | 4,795 |
| Total risk-based capital ratio | 13.6611% | 5,037 |
| Memoranda: | ||
| Average total assets | $205,969,500 | 3,066 |
| Average earning assets | $195,787,000 | 2,971 |
| Average equity | $16,509,250 | 3,723 |
| Average total loans | $136,655,000 | 3,043 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7362% | 6,023 |
| Cost of funding earning assets | 1.0993% | 5,674 |
| Net interest margin | 3.6369% | 4,648 |
| Noninterest income to average assets | 0.3642% | 5,221 |
| Noninterest expense to average assets | 2.3541% | 6,204 |
| Loan and lease loss provision to assets | 0.0595% | 6,359 |
| Net operating income to assets | 1.3755% | 1,138 |
| Return on assets (ROA) | 2.6647% | 119 |
| Pretax return on assets | 2.6776% | 177 |
| Return on Equity (ROE) | 33.7170% | 37 |
| Retained earnings to average equity (ytd only) | 20.5316% | 83 |
| Net charge-offs to loans | 0.1049% | 5,102 |
| Credit loss provision to net charge-offs | 84.5070% | 4,581 |
| Earnings coverage of net charge-offs (x) | 20.5493% | 1,212 |
| Efficiency ratio | 61.9159% | 5,703 |
| Assets per employee ($millions) | 3.4558% | 5,022 |
| Cash dividends to net income (ytd only)* | 39.1061% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 6,854 |
| Loan loss allowance to noncurrent loans | 121.9342% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 1.1453% | 4,840 |
| Noncurrent loans to loans | 0.7135% | 5,825 |
| Net loans and leases to total assets | 65.0361% | 4,036 |
| Net loans and leases to deposits | 70.7187% | 5,173 |
| Net loans and leases to core deposits | 75.4593% | 5,255 |
| Total domestic deposits to total assets | 91.9645% | 225 |
| Equity capital to assets | 7.8759% | 6,865 |
| Core capital (leverage) ratio | 7.3825% | 6,931 |
| Tier 1 risk-based capital ratio | 11.8604% | 5,433 |
| Total risk-based capital ratio | 12.7862% | 5,707 |
| Memoranda: | ||
| Average total assets | $201,524,000 | 3,146 |
| Average earning assets | $190,490,670 | 3,055 |
| Average equity | $15,926,670 | 3,815 |
| Average total loans | $135,351,670 | 3,095 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 6,483 |
| Cost of funding earning assets | 1.0701% | 6,039 |
| Net interest margin | 3.5561% | 4,917 |
| Noninterest income to average assets | 0.3033% | 5,728 |
| Noninterest expense to average assets | 2.2874% | 6,410 |
| Loan and lease loss provision to assets | 0.0615% | 6,028 |
| Net operating income to assets | 1.3200% | 1,258 |
| Return on assets (ROA) | 3.9825% | 55 |
| Pretax return on assets | 3.9886% | 76 |
| Return on Equity (ROE) | 50.2961% | 25 |
| Retained earnings to average equity (ytd only) | 37.3532% | 34 |
| Net charge-offs to loans | 0.1838% | 3,819 |
| Credit loss provision to net charge-offs | 49.1803% | 4,503 |
| Earnings coverage of net charge-offs (x) | 11.0984% | 1,680 |
| Efficiency ratio | 62.2421% | 5,789 |
| Assets per employee ($millions) | 3.8993% | 4,097 |
| Cash dividends to net income (ytd only)* | 25.7334% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 6,948 |
| Loan loss allowance to noncurrent loans | 161.0442% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.9802% | 5,189 |
| Noncurrent loans to loans | 0.5356% | 6,221 |
| Net loans and leases to total assets | 65.6597% | 3,941 |
| Net loans and leases to deposits | 71.2034% | 5,164 |
| Net loans and leases to core deposits | 74.1083% | 5,489 |
| Total domestic deposits to total assets | 92.2142% | 205 |
| Equity capital to assets | 7.6561% | 6,963 |
| Core capital (leverage) ratio | 7.3920% | 6,941 |
| Tier 1 risk-based capital ratio | 11.7138% | 5,481 |
| Total risk-based capital ratio | 12.6245% | 5,763 |
| Memoranda: | ||
| Average total assets | $195,155,500 | 3,286 |
| Average earning assets | $185,033,500 | 3,186 |
| Average equity | $15,452,500 | 3,938 |
| Average total loans | $132,742,500 | 3,205 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2369% | 5,476 |
| Cost of funding earning assets | 1.4142% | 5,871 |
| Net interest margin | 3.8228% | 3,608 |
| Noninterest income to average assets | 0.3854% | 5,333 |
| Noninterest expense to average assets | 2.4910% | 6,162 |
| Loan and lease loss provision to assets | 0.1325% | 6,315 |
| Net operating income to assets | 1.4064% | 840 |
| Return on assets (ROA) | 1.4064% | 897 |
| Pretax return on assets | 1.4331% | 1,353 |
| Return on Equity (ROE) | 17.0583% | 455 |
| Retained earnings to average equity (ytd only) | 3.4406% | 2,759 |
| Net charge-offs to loans | 0.0272% | 6,865 |
| Credit loss provision to net charge-offs | 685.2941% | 424 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 337 |
| Efficiency ratio | 61.4070% | 6,262 |
| Assets per employee ($millions) | 3.3287% | 5,433 |
| Cash dividends to net income (ytd only)* | 79.8302% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 6,490 |
| Loan loss allowance to noncurrent loans | 1,371.1111% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 7,379 |
| Noncurrent loans to loans | 0.0714% | 7,245 |
| Net loans and leases to total assets | 69.4266% | 3,380 |
| Net loans and leases to deposits | 75.7625% | 4,785 |
| Net loans and leases to core deposits | 85.1301% | 5,603 |
| Total domestic deposits to total assets | 91.6372% | 340 |
| Equity capital to assets | 8.2248% | 6,314 |
| Core capital (leverage) ratio | 7.8812% | 6,341 |
| Tier 1 risk-based capital ratio | 12.3139% | 4,665 |
| Total risk-based capital ratio | 13.3863% | 4,790 |
| Memoranda: | ||
| Average total assets | $175,910,400 | 3,508 |
| Average earning assets | $168,935,200 | 3,370 |
| Average equity | $14,503,200 | 4,145 |
| Average total loans | $125,124,400 | 3,371 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2976% | 5,436 |
| Cost of funding earning assets | 1.4694% | 5,959 |
| Net interest margin | 3.8282% | 3,535 |
| Noninterest income to average assets | 0.3849% | 5,439 |
| Noninterest expense to average assets | 2.4982% | 6,070 |
| Loan and lease loss provision to assets | 0.1372% | 5,980 |
| Net operating income to assets | 1.3962% | 1,038 |
| Return on assets (ROA) | 1.3962% | 1,101 |
| Pretax return on assets | 1.4267% | 1,631 |
| Return on Equity (ROE) | 16.9238% | 553 |
| Retained earnings to average equity (ytd only) | 3.9908% | 3,049 |
| Net charge-offs to loans | 0.0363% | 6,394 |
| Credit loss provision to net charge-offs | 529.4118% | 740 |
| Earnings coverage of net charge-offs (x) | 60.3558% | 548 |
| Efficiency ratio | 61.5009% | 6,194 |
| Assets per employee ($millions) | 3.3329% | 5,298 |
| Cash dividends to net income (ytd only)* | 76.4191% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 6,587 |
| Loan loss allowance to noncurrent loans | 663.4831% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 7,300 |
| Noncurrent loans to loans | 0.1419% | 7,124 |
| Net loans and leases to total assets | 69.0370% | 3,701 |
| Net loans and leases to deposits | 75.4778% | 5,127 |
| Net loans and leases to core deposits | 84.1688% | 6,029 |
| Total domestic deposits to total assets | 91.4666% | 266 |
| Equity capital to assets | 8.2450% | 6,575 |
| Core capital (leverage) ratio | 7.9145% | 6,481 |
| Tier 1 risk-based capital ratio | 12.3338% | 4,676 |
| Total risk-based capital ratio | 13.3667% | 4,811 |
| Memoranda: | ||
| Average total assets | $174,951,000 | 3,532 |
| Average earning assets | $168,048,000 | 3,403 |
| Average equity | $14,433,000 | 4,203 |
| Average total loans | $124,898,750 | 3,404 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3989% | 5,161 |
| Cost of funding earning assets | 1.5472% | 5,936 |
| Net interest margin | 3.8517% | 3,334 |
| Noninterest income to average assets | 0.3867% | 5,405 |
| Noninterest expense to average assets | 2.4966% | 6,139 |
| Loan and lease loss provision to assets | 0.1385% | 5,687 |
| Net operating income to assets | 1.4058% | 1,021 |
| Return on assets (ROA) | 1.4058% | 1,088 |
| Pretax return on assets | 1.4439% | 1,607 |
| Return on Equity (ROE) | 17.0377% | 575 |
| Retained earnings to average equity (ytd only) | 3.0494% | 3,620 |
| Net charge-offs to loans | 0.0529% | 5,750 |
| Credit loss provision to net charge-offs | 363.6364% | 1,272 |
| Earnings coverage of net charge-offs (x) | 41.5455% | 790 |
| Efficiency ratio | 61.2054% | 6,368 |
| Assets per employee ($millions) | 3.2285% | 5,516 |
| Cash dividends to net income (ytd only)* | 82.1018% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 6,781 |
| Loan loss allowance to noncurrent loans | 4,315.3846% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 7,387 |
| Noncurrent loans to loans | 0.0208% | 7,498 |
| Net loans and leases to total assets | 71.0675% | 3,450 |
| Net loans and leases to deposits | 77.8693% | 4,898 |
| Net loans and leases to core deposits | 86.4870% | 5,850 |
| Total domestic deposits to total assets | 91.2652% | 387 |
| Equity capital to assets | 8.2719% | 6,380 |
| Core capital (leverage) ratio | 7.8947% | 6,495 |
| Tier 1 risk-based capital ratio | 12.2870% | 4,688 |
| Total risk-based capital ratio | 13.2796% | 4,817 |
| Memoranda: | ||
| Average total assets | $173,276,000 | 3,582 |
| Average earning assets | $166,108,000 | 3,459 |
| Average equity | $14,297,670 | 4,242 |
| Average total loans | $124,721,330 | 3,444 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4598% | 5,121 |
| Cost of funding earning assets | 1.6747% | 5,720 |
| Net interest margin | 3.7851% | 3,515 |
| Noninterest income to average assets | 0.3960% | 5,242 |
| Noninterest expense to average assets | 2.3757% | 6,274 |
| Loan and lease loss provision to assets | 0.1389% | 5,181 |
| Net operating income to assets | 1.4426% | 1,057 |
| Return on assets (ROA) | 1.4426% | 1,134 |
| Pretax return on assets | 1.5028% | 1,663 |
| Return on Equity (ROE) | 17.5049% | 636 |
| Retained earnings to average equity (ytd only) | 3.4560% | 3,969 |
| Net charge-offs to loans | 0.0514% | 4,753 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 44.3125% | 788 |
| Efficiency ratio | 59.1354% | 6,535 |
| Assets per employee ($millions) | 3.3316% | 5,248 |
| Cash dividends to net income (ytd only)* | 80.2568% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 6,891 |
| Loan loss allowance to noncurrent loans | 2,113.7255% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 7,533 |
| Noncurrent loans to loans | 0.0410% | 7,426 |
| Net loans and leases to total assets | 68.5932% | 4,000 |
| Net loans and leases to deposits | 74.6326% | 5,406 |
| Net loans and leases to core deposits | 85.7691% | 5,922 |
| Total domestic deposits to total assets | 91.9079% | 196 |
| Equity capital to assets | 7.9326% | 6,914 |
| Core capital (leverage) ratio | 7.8404% | 6,705 |
| Tier 1 risk-based capital ratio | 12.1391% | 4,833 |
| Total risk-based capital ratio | 13.0877% | 4,997 |
| Memoranda: | ||
| Average total assets | $172,745,500 | 3,608 |
| Average earning assets | $165,279,500 | 3,486 |
| Average equity | $14,236,000 | 4,286 |
| Average total loans | $124,572,500 | 3,471 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2954% | 3,984 |
| Cost of funding earning assets | 2.1445% | 5,859 |
| Net interest margin | 4.1508% | 2,498 |
| Noninterest income to average assets | 0.4562% | 4,995 |
| Noninterest expense to average assets | 2.4762% | 6,101 |
| Loan and lease loss provision to assets | 0.0739% | 6,475 |
| Net operating income to assets | 1.8613% | 477 |
| Return on assets (ROA) | 1.8625% | 457 |
| Pretax return on assets | 1.8746% | 806 |
| Return on Equity (ROE) | 22.6133% | 230 |
| Retained earnings to average equity (ytd only) | 3.1191% | 3,212 |
| Net charge-offs to loans | 0.0109% | 6,772 |
| Credit loss provision to net charge-offs | 938.4615% | 475 |
| Earnings coverage of net charge-offs (x) | 247.2308% | 197 |
| Efficiency ratio | 55.9786% | 7,015 |
| Assets per employee ($millions) | 3.0664% | 5,872 |
| Cash dividends to net income (ytd only)* | 86.2069% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8302% | 6,974 |
| Loan loss allowance to noncurrent loans | 4,928.5714% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 7,566 |
| Noncurrent loans to loans | 0.0168% | 7,466 |
| Net loans and leases to total assets | 74.6617% | 2,952 |
| Net loans and leases to deposits | 81.7935% | 4,760 |
| Net loans and leases to core deposits | 94.2726% | 5,428 |
| Total domestic deposits to total assets | 91.2807% | 252 |
| Equity capital to assets | 8.5762% | 5,972 |
| Core capital (leverage) ratio | 8.2540% | 6,047 |
| Tier 1 risk-based capital ratio | 12.3212% | 4,569 |
| Total risk-based capital ratio | 13.2540% | 4,707 |
| Memoranda: | ||
| Average total assets | $165,050,000 | 3,629 |
| Average earning assets | $157,751,000 | 3,511 |
| Average equity | $13,593,800 | 4,426 |
| Average total loans | $119,111,200 | 3,489 |