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Profile 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 | 3.4278% | 4,420 |
| Cost of funding earning assets | 0.9801% | 3,340 |
| Net interest margin | 2.4477% | 4,145 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.5761% | 2,078 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | -0.0632% | 4,416 |
| Return on assets (ROA) | -0.0555% | 4,399 |
| Pretax return on assets | -0.0261% | 4,372 |
| Return on Equity (ROE) | -0.6000% | 4,372 |
| Retained earnings to average equity (ytd only) | -0.9652% | 4,179 |
| Net charge-offs to loans | 0.0031% | 2,665 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,579 |
| Earnings coverage of net charge-offs (x) | -40.2000% | 4,580 |
| Efficiency ratio | 102.6800% | 164 |
| Assets per employee ($millions) | 5.5617% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4835% | 4,347 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 55.3700% | 3,244 |
| Net loans and leases to deposits | 63.3723% | 3,326 |
| Net loans and leases to core deposits | 71.6738% | 3,210 |
| Total domestic deposits to total assets | 87.3700% | 1,568 |
| Equity capital to assets | 9.1292% | 2,592 |
| Core capital (leverage) ratio | 9.4323% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9592% | 924 |
| Memoranda: | ||
| Average total assets | $298,937,600 | 2,431 |
| Average earning assets | $278,956,200 | 2,420 |
| Average equity | $27,559,600 | 2,388 |
| Average total loans | $161,904,600 | 2,584 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3850% | 4,423 |
| Cost of funding earning assets | 0.9248% | 3,217 |
| Net interest margin | 2.4602% | 4,181 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.5368% | 2,119 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.0273% | 4,359 |
| Return on assets (ROA) | 0.0371% | 4,377 |
| Pretax return on assets | 0.0406% | 4,364 |
| Return on Equity (ROE) | 0.4000% | 4,359 |
| Retained earnings to average equity (ytd only) | -0.0821% | 4,160 |
| Net charge-offs to loans | 0.0042% | 2,341 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,615 |
| Earnings coverage of net charge-offs (x) | -6.6000% | 4,589 |
| Efficiency ratio | 100.5843% | 169 |
| Assets per employee ($millions) | 5.7476% | 2,969 |
| Cash dividends to net income (ytd only)* | 120.4819% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4922% | 4,351 |
| Loan loss allowance to noncurrent loans | 3,517.3913% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,777 |
| Noncurrent loans to loans | 0.0140% | 3,692 |
| Net loans and leases to total assets | 54.7200% | 3,310 |
| Net loans and leases to deposits | 61.6245% | 3,428 |
| Net loans and leases to core deposits | 70.5954% | 3,184 |
| Total domestic deposits to total assets | 88.8000% | 1,317 |
| Equity capital to assets | 9.1691% | 2,315 |
| Core capital (leverage) ratio | 9.4951% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1839% | 924 |
| Memoranda: | ||
| Average total assets | $298,588,750 | 2,437 |
| Average earning assets | $278,400,000 | 2,426 |
| Average equity | $27,595,000 | 2,372 |
| Average total loans | $160,605,250 | 2,605 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3258% | 4,449 |
| Cost of funding earning assets | 0.8550% | 3,060 |
| Net interest margin | 2.4708% | 4,236 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.5528% | 2,057 |
| Loan and lease loss provision to assets | -0.0700% | 4,532 |
| Net operating income to assets | 0.0382% | 4,396 |
| Return on assets (ROA) | 0.0382% | 4,428 |
| Pretax return on assets | 0.0436% | 4,425 |
| Return on Equity (ROE) | 0.4100% | 4,411 |
| Retained earnings to average equity (ytd only) | -0.3109% | 4,142 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 100.9272% | 162 |
| Assets per employee ($millions) | 5.6145% | 3,050 |
| Cash dividends to net income (ytd only)* | 175.4386% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5108% | 4,371 |
| Loan loss allowance to noncurrent loans | 1,563.4615% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,656 |
| Noncurrent loans to loans | 0.0327% | 3,505 |
| Net loans and leases to total assets | 53.2100% | 3,328 |
| Net loans and leases to deposits | 59.9778% | 3,419 |
| Net loans and leases to core deposits | 66.8012% | 3,303 |
| Total domestic deposits to total assets | 88.7200% | 1,342 |
| Equity capital to assets | 9.2631% | 2,338 |
| Core capital (leverage) ratio | 9.5138% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8379% | 980 |
| Memoranda: | ||
| Average total assets | $298,493,333 | 2,448 |
| Average earning assets | $277,884,667 | 2,438 |
| Average equity | $27,658,667 | 2,382 |
| Average total loans | $159,353,333 | 2,607 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2834% | 4,445 |
| Cost of funding earning assets | 0.6854% | 3,098 |
| Net interest margin | 2.5980% | 4,206 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.5449% | 2,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.0923% | 4,435 |
| Return on assets (ROA) | 0.0923% | 4,411 |
| Pretax return on assets | 0.1097% | 4,398 |
| Return on Equity (ROE) | 1.0000% | 4,382 |
| Retained earnings to average equity (ytd only) | 0.9962% | 3,866 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 95.8669% | 223 |
| Assets per employee ($millions) | 5.4588% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5677% | 4,389 |
| Loan loss allowance to noncurrent loans | 1,755.7692% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,647 |
| Noncurrent loans to loans | 0.0323% | 3,522 |
| Net loans and leases to total assets | 53.2600% | 3,260 |
| Net loans and leases to deposits | 63.1655% | 3,155 |
| Net loans and leases to core deposits | 69.3288% | 2,996 |
| Total domestic deposits to total assets | 84.3200% | 3,023 |
| Equity capital to assets | 9.2547% | 2,314 |
| Core capital (leverage) ratio | 9.5355% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8546% | 1,017 |
| Memoranda: | ||
| Average total assets | $298,955,500 | 2,479 |
| Average earning assets | $278,366,500 | 2,457 |
| Average equity | $27,706,000 | 2,410 |
| Average total loans | $159,451,000 | 2,623 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0132% | 4,118 |
| Cost of funding earning assets | 0.2344% | 3,468 |
| Net interest margin | 2.7788% | 3,927 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.6446% | 1,694 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.1290% | 4,492 |
| Return on assets (ROA) | 0.1290% | 4,481 |
| Pretax return on assets | 0.1453% | 4,481 |
| Return on Equity (ROE) | 1.3800% | 4,451 |
| Retained earnings to average equity (ytd only) | 1.1973% | 4,160 |
| Net charge-offs to loans | 0.0033% | 2,353 |
| Credit loss provision to net charge-offs | 2,000.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 105.6000% | 953 |
| Efficiency ratio | 93.6516% | 233 |
| Assets per employee ($millions) | 5.3156% | 3,404 |
| Cash dividends to net income (ytd only)* | 13.1579% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5782% | 4,359 |
| Loan loss allowance to noncurrent loans | 1,364.1791% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,613 |
| Noncurrent loans to loans | 0.0424% | 3,458 |
| Net loans and leases to total assets | 52.8000% | 3,299 |
| Net loans and leases to deposits | 60.9145% | 3,280 |
| Net loans and leases to core deposits | 65.0618% | 3,192 |
| Total domestic deposits to total assets | 86.6800% | 2,504 |
| Equity capital to assets | 9.2806% | 2,170 |
| Core capital (leverage) ratio | 9.6324% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1933% | 954 |
| Memoranda: | ||
| Average total assets | $294,520,400 | 2,476 |
| Average earning assets | $274,690,400 | 2,470 |
| Average equity | $27,562,800 | 2,449 |
| Average total loans | $151,208,400 | 2,620 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9210% | 4,033 |
| Cost of funding earning assets | 0.2083% | 3,173 |
| Net interest margin | 2.7128% | 3,904 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.4670% | 2,105 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.2111% | 4,467 |
| Return on assets (ROA) | 0.2111% | 4,434 |
| Pretax return on assets | 0.2592% | 4,413 |
| Return on Equity (ROE) | 2.2500% | 4,382 |
| Retained earnings to average equity (ytd only) | 2.0086% | 4,030 |
| Net charge-offs to loans | 0.0045% | 2,030 |
| Credit loss provision to net charge-offs | 1,700.0000% | 279 |
| Earnings coverage of net charge-offs (x) | 131.2000% | 800 |
| Efficiency ratio | 89.2300% | 346 |
| Assets per employee ($millions) | 5.8998% | 2,847 |
| Cash dividends to net income (ytd only)* | 10.7527% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5790% | 4,399 |
| Loan loss allowance to noncurrent loans | 404.9550% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,171 |
| Noncurrent loans to loans | 0.1430% | 2,907 |
| Net loans and leases to total assets | 50.3100% | 3,432 |
| Net loans and leases to deposits | 55.4590% | 3,520 |
| Net loans and leases to core deposits | 59.4597% | 3,423 |
| Total domestic deposits to total assets | 90.7200% | 1,350 |
| Equity capital to assets | 8.9374% | 2,252 |
| Core capital (leverage) ratio | 7.8347% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3948% | 936 |
| Memoranda: | ||
| Average total assets | $293,731,750 | 2,502 |
| Average earning assets | $274,005,750 | 2,487 |
| Average equity | $27,547,000 | 2,486 |
| Average total loans | $149,489,250 | 2,647 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8831% | 3,824 |
| Cost of funding earning assets | 0.1979% | 2,939 |
| Net interest margin | 2.6851% | 3,727 |
| Noninterest income to average assets | 0.2371% | 3,756 |
| Noninterest expense to average assets | 2.4024% | 2,220 |
| Loan and lease loss provision to assets | 0.0346% | 1,955 |
| Net operating income to assets | 0.2564% | 4,353 |
| Return on assets (ROA) | 0.2564% | 4,310 |
| Pretax return on assets | 0.3034% | 4,293 |
| Return on Equity (ROE) | 2.6894% | 4,263 |
| Retained earnings to average equity (ytd only) | 2.3270% | 3,662 |
| Net charge-offs to loans | 0.0068% | 1,751 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 97.8000% | 826 |
| Efficiency ratio | 87.6671% | 503 |
| Assets per employee ($millions) | 5.7630% | 2,965 |
| Cash dividends to net income (ytd only)* | 13.4771% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5769% | 4,485 |
| Loan loss allowance to noncurrent loans | 7,200.0000% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,019 |
| Noncurrent loans to loans | 0.0080% | 3,938 |
| Net loans and leases to total assets | 49.6897% | 3,401 |
| Net loans and leases to deposits | 54.9103% | 3,474 |
| Net loans and leases to core deposits | 60.8091% | 3,211 |
| Total domestic deposits to total assets | 90.4924% | 1,470 |
| Equity capital to assets | 9.2009% | 2,230 |
| Core capital (leverage) ratio | 9.9247% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0225% | 851 |
| Memoranda: | ||
| Average total assets | $289,379,667 | 2,539 |
| Average earning assets | $269,780,333 | 2,542 |
| Average equity | $27,589,667 | 2,543 |
| Average total loans | $147,566,667 | 2,671 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8817% | 3,576 |
| Cost of funding earning assets | 0.2025% | 2,765 |
| Net interest margin | 2.6792% | 3,451 |
| Noninterest income to average assets | 0.2406% | 3,704 |
| Noninterest expense to average assets | 2.4037% | 2,146 |
| Loan and lease loss provision to assets | 0.0690% | 1,190 |
| Net operating income to assets | 0.2252% | 4,292 |
| Return on assets (ROA) | 0.2252% | 4,257 |
| Pretax return on assets | 0.2632% | 4,246 |
| Return on Equity (ROE) | 2.3190% | 4,211 |
| Retained earnings to average equity (ytd only) | 1.5943% | 3,657 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8601% | 645 |
| Assets per employee ($millions) | 5.5261% | 3,299 |
| Cash dividends to net income (ytd only)* | 31.2500% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5890% | 4,515 |
| Loan loss allowance to noncurrent loans | 420.8738% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 3,341 |
| Noncurrent loans to loans | 0.1399% | 3,107 |
| Net loans and leases to total assets | 51.9214% | 2,996 |
| Net loans and leases to deposits | 57.7421% | 3,101 |
| Net loans and leases to core deposits | 63.2937% | 2,860 |
| Total domestic deposits to total assets | 89.9195% | 1,611 |
| Equity capital to assets | 9.7506% | 2,089 |
| Core capital (leverage) ratio | 9.8828% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3787% | 845 |
| Memoranda: | ||
| Average total assets | $284,231,500 | 2,584 |
| Average earning assets | $264,705,500 | 2,587 |
| Average equity | $27,598,000 | 2,628 |
| Average total loans | $146,464,000 | 2,673 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9312% | 4,001 |
| Cost of funding earning assets | 0.2610% | 2,797 |
| Net interest margin | 2.6703% | 3,928 |
| Noninterest income to average assets | 0.2299% | 4,001 |
| Noninterest expense to average assets | 2.3810% | 2,545 |
| Loan and lease loss provision to assets | 0.0185% | 2,698 |
| Net operating income to assets | 0.2865% | 4,440 |
| Return on assets (ROA) | 0.2865% | 4,464 |
| Pretax return on assets | 0.3199% | 4,477 |
| Return on Equity (ROE) | 2.9077% | 4,373 |
| Retained earnings to average equity (ytd only) | 2.9077% | 3,674 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5551% | 406 |
| Assets per employee ($millions) | 5.6203% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5613% | 4,572 |
| Loan loss allowance to noncurrent loans | 393.2692% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 3,452 |
| Noncurrent loans to loans | 0.1427% | 3,225 |
| Net loans and leases to total assets | 50.5570% | 3,217 |
| Net loans and leases to deposits | 56.2896% | 3,394 |
| Net loans and leases to core deposits | 60.6358% | 3,272 |
| Total domestic deposits to total assets | 89.8159% | 1,056 |
| Equity capital to assets | 9.6695% | 2,974 |
| Core capital (leverage) ratio | 10.2964% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6477% | 799 |
| Memoranda: | ||
| Average total assets | $275,388,000 | 2,569 |
| Average earning assets | $256,751,000 | 2,575 |
| Average equity | $27,134,600 | 2,716 |
| Average total loans | $140,429,600 | 2,720 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9392% | 4,106 |
| Cost of funding earning assets | 0.2781% | 2,822 |
| Net interest margin | 2.6611% | 4,037 |
| Noninterest income to average assets | 0.2333% | 3,998 |
| Noninterest expense to average assets | 2.3944% | 2,457 |
| Loan and lease loss provision to assets | 0.0194% | 2,613 |
| Net operating income to assets | 0.2583% | 4,569 |
| Return on assets (ROA) | 0.2583% | 4,591 |
| Pretax return on assets | 0.3003% | 4,592 |
| Return on Equity (ROE) | 2.6084% | 4,516 |
| Retained earnings to average equity (ytd only) | 2.6084% | 4,030 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2141% | 368 |
| Assets per employee ($millions) | 5.3105% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5693% | 4,653 |
| Loan loss allowance to noncurrent loans | 240.8955% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 3,327 |
| Noncurrent loans to loans | 0.2363% | 2,990 |
| Net loans and leases to total assets | 50.0735% | 3,404 |
| Net loans and leases to deposits | 55.8298% | 3,591 |
| Net loans and leases to core deposits | 60.3257% | 3,451 |
| Total domestic deposits to total assets | 89.6896% | 921 |
| Equity capital to assets | 9.6691% | 3,223 |
| Core capital (leverage) ratio | 10.3133% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8676% | 837 |
| Memoranda: | ||
| Average total assets | $272,576,750 | 2,604 |
| Average earning assets | $254,124,500 | 2,618 |
| Average equity | $26,989,250 | 2,756 |
| Average total loans | $139,104,250 | 2,771 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9222% | 4,186 |
| Cost of funding earning assets | 0.2921% | 2,852 |
| Net interest margin | 2.6300% | 4,114 |
| Noninterest income to average assets | 0.2300% | 4,025 |
| Noninterest expense to average assets | 2.3960% | 2,480 |
| Loan and lease loss provision to assets | 0.0111% | 2,718 |
| Net operating income to assets | 0.2389% | 4,597 |
| Return on assets (ROA) | 0.2389% | 4,610 |
| Pretax return on assets | 0.2737% | 4,615 |
| Return on Equity (ROE) | 2.3928% | 4,554 |
| Retained earnings to average equity (ytd only) | 2.3928% | 4,019 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3747% | 360 |
| Assets per employee ($millions) | 5.3748% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5575% | 4,697 |
| Loan loss allowance to noncurrent loans | 234.4311% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 3,458 |
| Noncurrent loans to loans | 0.2378% | 3,095 |
| Net loans and leases to total assets | 49.0278% | 3,643 |
| Net loans and leases to deposits | 54.4895% | 3,827 |
| Net loans and leases to core deposits | 59.7055% | 3,637 |
| Total domestic deposits to total assets | 89.9766% | 792 |
| Equity capital to assets | 9.4947% | 3,332 |
| Core capital (leverage) ratio | 10.4533% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6373% | 740 |
| Memoranda: | ||
| Average total assets | $269,617,667 | 2,617 |
| Average earning assets | $251,252,333 | 2,626 |
| Average equity | $26,914,333 | 2,746 |
| Average total loans | $138,225,333 | 2,799 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0065% | 4,069 |
| Cost of funding earning assets | 0.3115% | 2,876 |
| Net interest margin | 2.6950% | 3,981 |
| Noninterest income to average assets | 0.2443% | 3,929 |
| Noninterest expense to average assets | 2.4245% | 2,417 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2824% | 4,542 |
| Return on assets (ROA) | 0.2824% | 4,573 |
| Pretax return on assets | 0.3298% | 4,569 |
| Return on Equity (ROE) | 2.7563% | 4,515 |
| Retained earnings to average equity (ytd only) | 2.7563% | 3,854 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0266% | 443 |
| Assets per employee ($millions) | 4.9154% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5597% | 4,728 |
| Loan loss allowance to noncurrent loans | 234.8624% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 3,548 |
| Noncurrent loans to loans | 0.2383% | 3,250 |
| Net loans and leases to total assets | 52.3718% | 3,408 |
| Net loans and leases to deposits | 58.8080% | 3,579 |
| Net loans and leases to core deposits | 65.2348% | 3,297 |
| Total domestic deposits to total assets | 89.0557% | 1,317 |
| Equity capital to assets | 10.3267% | 2,415 |
| Core capital (leverage) ratio | 10.5742% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4966% | 731 |
| Memoranda: | ||
| Average total assets | $261,995,000 | 2,654 |
| Average earning assets | $244,006,000 | 2,655 |
| Average equity | $26,848,000 | 2,743 |
| Average total loans | $137,115,500 | 2,817 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4001% | 4,194 |
| Cost of funding earning assets | 0.4794% | 3,086 |
| Net interest margin | 2.9208% | 4,072 |
| Noninterest income to average assets | 0.2785% | 3,812 |
| Noninterest expense to average assets | 2.6462% | 2,399 |
| Loan and lease loss provision to assets | -0.0025% | 4,900 |
| Net operating income to assets | 0.2998% | 4,430 |
| Return on assets (ROA) | 0.3002% | 4,499 |
| Pretax return on assets | 0.3381% | 4,504 |
| Return on Equity (ROE) | 2.7407% | 4,435 |
| Retained earnings to average equity (ytd only) | 2.7407% | 3,488 |
| Net charge-offs to loans | 0.0035% | 3,248 |
| Credit loss provision to net charge-offs | -120.0000% | 3,746 |
| Earnings coverage of net charge-offs (x) | 160.8000% | 543 |
| Efficiency ratio | 88.7568% | 419 |
| Assets per employee ($millions) | 5.0668% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5605% | 4,749 |
| Loan loss allowance to noncurrent loans | 160.6695% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 3,373 |
| Noncurrent loans to loans | 0.3488% | 2,951 |
| Net loans and leases to total assets | 51.7159% | 3,686 |
| Net loans and leases to deposits | 57.9198% | 3,894 |
| Net loans and leases to core deposits | 63.8580% | 3,701 |
| Total domestic deposits to total assets | 89.2888% | 858 |
| Equity capital to assets | 10.1692% | 2,965 |
| Core capital (leverage) ratio | 11.4452% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7445% | 688 |
| Memoranda: | ||
| Average total assets | $239,850,600 | 2,656 |
| Average earning assets | $221,963,400 | 2,657 |
| Average equity | $26,270,600 | 2,726 |
| Average total loans | $141,640,400 | 2,737 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4651% | 4,265 |
| Cost of funding earning assets | 0.5221% | 3,099 |
| Net interest margin | 2.9430% | 4,100 |
| Noninterest income to average assets | 0.2798% | 3,810 |
| Noninterest expense to average assets | 2.7459% | 2,131 |
| Loan and lease loss provision to assets | -0.0034% | 4,959 |
| Net operating income to assets | 0.2314% | 4,547 |
| Return on assets (ROA) | 0.2320% | 4,582 |
| Pretax return on assets | 0.2559% | 4,600 |
| Return on Equity (ROE) | 2.0759% | 4,541 |
| Retained earnings to average equity (ytd only) | 2.0759% | 3,909 |
| Net charge-offs to loans | 0.0047% | 2,981 |
| Credit loss provision to net charge-offs | -120.0000% | 3,593 |
| Earnings coverage of net charge-offs (x) | 88.4000% | 861 |
| Efficiency ratio | 91.5970% | 328 |
| Assets per employee ($millions) | 5.0191% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5235% | 4,795 |
| Loan loss allowance to noncurrent loans | 197.9381% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 3,644 |
| Noncurrent loans to loans | 0.2645% | 3,346 |
| Net loans and leases to total assets | 58.1575% | 3,400 |
| Net loans and leases to deposits | 65.4420% | 3,665 |
| Net loans and leases to core deposits | 72.8447% | 3,407 |
| Total domestic deposits to total assets | 88.8688% | 825 |
| Equity capital to assets | 10.5522% | 2,748 |
| Core capital (leverage) ratio | 11.5456% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3704% | 856 |
| Memoranda: | ||
| Average total assets | $233,945,250 | 2,682 |
| Average earning assets | $216,052,500 | 2,692 |
| Average equity | $26,140,000 | 2,723 |
| Average total loans | $142,794,250 | 2,728 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5525% | 4,347 |
| Cost of funding earning assets | 0.5564% | 3,202 |
| Net interest margin | 2.9961% | 4,129 |
| Noninterest income to average assets | 0.2847% | 3,756 |
| Noninterest expense to average assets | 2.8509% | 1,970 |
| Loan and lease loss provision to assets | -0.0123% | 5,002 |
| Net operating income to assets | 0.1937% | 4,583 |
| Return on assets (ROA) | 0.1945% | 4,623 |
| Pretax return on assets | 0.2068% | 4,626 |
| Return on Equity (ROE) | 1.7060% | 4,584 |
| Retained earnings to average equity (ytd only) | 1.7060% | 3,872 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6403% | 304 |
| Assets per employee ($millions) | 4.8962% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5185% | 4,816 |
| Loan loss allowance to noncurrent loans | 129.8812% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 3,358 |
| Noncurrent loans to loans | 0.3992% | 2,975 |
| Net loans and leases to total assets | 59.9572% | 3,335 |
| Net loans and leases to deposits | 67.6175% | 3,600 |
| Net loans and leases to core deposits | 75.2845% | 3,346 |
| Total domestic deposits to total assets | 88.6711% | 879 |
| Equity capital to assets | 10.7304% | 2,544 |
| Core capital (leverage) ratio | 11.8502% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4861% | 845 |
| Memoranda: | ||
| Average total assets | $228,276,000 | 2,692 |
| Average earning assets | $210,272,000 | 2,710 |
| Average equity | $26,026,333 | 2,714 |
| Average total loans | $141,487,000 | 2,728 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6857% | 4,420 |
| Cost of funding earning assets | 0.5760% | 3,561 |
| Net interest margin | 3.1097% | 4,075 |
| Noninterest income to average assets | 0.3163% | 3,620 |
| Noninterest expense to average assets | 2.9999% | 1,887 |
| Loan and lease loss provision to assets | -0.0164% | 5,051 |
| Net operating income to assets | 0.1818% | 4,552 |
| Return on assets (ROA) | 0.1818% | 4,559 |
| Pretax return on assets | 0.1891% | 4,579 |
| Return on Equity (ROE) | 1.5441% | 4,533 |
| Retained earnings to average equity (ytd only) | 1.5441% | 3,586 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5559% | 362 |
| Assets per employee ($millions) | 4.3102% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5534% | 4,823 |
| Loan loss allowance to noncurrent loans | 179.9065% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 3,709 |
| Noncurrent loans to loans | 0.3076% | 3,399 |
| Net loans and leases to total assets | 62.9527% | 3,194 |
| Net loans and leases to deposits | 72.0451% | 3,428 |
| Net loans and leases to core deposits | 80.4032% | 3,161 |
| Total domestic deposits to total assets | 87.3796% | 1,389 |
| Equity capital to assets | 11.8238% | 2,201 |
| Core capital (leverage) ratio | 12.0492% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7133% | 779 |
| Memoranda: | ||
| Average total assets | $220,010,000 | 2,710 |
| Average earning assets | $202,077,500 | 2,730 |
| Average equity | $25,905,000 | 2,714 |
| Average total loans | $138,458,000 | 2,737 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7776% | 4,594 |
| Cost of funding earning assets | 0.5294% | 3,972 |
| Net interest margin | 3.2482% | 4,086 |
| Noninterest income to average assets | 0.3144% | 3,811 |
| Noninterest expense to average assets | 2.9594% | 2,122 |
| Loan and lease loss provision to assets | 0.0257% | 3,500 |
| Net operating income to assets | 0.2775% | 4,773 |
| Return on assets (ROA) | 0.2737% | 4,801 |
| Pretax return on assets | 0.3051% | 4,813 |
| Return on Equity (ROE) | 2.3053% | 4,769 |
| Retained earnings to average equity (ytd only) | 2.0295% | 3,987 |
| Net charge-offs to loans | 0.0105% | 3,313 |
| Credit loss provision to net charge-offs | 392.8571% | 719 |
| Earnings coverage of net charge-offs (x) | 51.1429% | 1,109 |
| Efficiency ratio | 89.8310% | 359 |
| Assets per employee ($millions) | 4.4040% | 3,363 |
| Cash dividends to net income (ytd only)* | 11.9658% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5655% | 4,796 |
| Loan loss allowance to noncurrent loans | 146.4286% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 3,473 |
| Noncurrent loans to loans | 0.3862% | 3,054 |
| Net loans and leases to total assets | 62.2091% | 3,376 |
| Net loans and leases to deposits | 70.9940% | 3,593 |
| Net loans and leases to core deposits | 79.2646% | 3,361 |
| Total domestic deposits to total assets | 87.6259% | 1,303 |
| Equity capital to assets | 11.7252% | 2,334 |
| Core capital (leverage) ratio | 12.4443% | 1,519 |
| Tier 1 risk-based capital ratio | 20.1386% | 1,309 |
| Total risk-based capital ratio | 20.7304% | 1,379 |
| Memoranda: | ||
| Average total assets | $213,727,000 | 2,720 |
| Average earning assets | $196,078,800 | 2,740 |
| Average equity | $25,376,200 | 2,689 |
| Average total loans | $133,022,800 | 2,792 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7925% | 4,686 |
| Cost of funding earning assets | 0.5094% | 4,105 |
| Net interest margin | 3.2831% | 4,117 |
| Noninterest income to average assets | 0.3237% | 3,812 |
| Noninterest expense to average assets | 2.9776% | 2,040 |
| Loan and lease loss provision to assets | 0.0226% | 3,459 |
| Net operating income to assets | 0.2909% | 4,854 |
| Return on assets (ROA) | 0.2860% | 4,875 |
| Pretax return on assets | 0.3281% | 4,875 |
| Return on Equity (ROE) | 2.4011% | 4,856 |
| Retained earnings to average equity (ytd only) | 2.0317% | 4,258 |
| Net charge-offs to loans | 0.0142% | 2,875 |
| Credit loss provision to net charge-offs | 257.1429% | 1,063 |
| Earnings coverage of net charge-offs (x) | 40.4917% | 1,371 |
| Efficiency ratio | 89.3100% | 349 |
| Assets per employee ($millions) | 4.3169% | 3,458 |
| Cash dividends to net income (ytd only)* | 15.3845% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5691% | 4,870 |
| Loan loss allowance to noncurrent loans | 148.4375% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 3,642 |
| Noncurrent loans to loans | 0.3834% | 3,179 |
| Net loans and leases to total assets | 60.3103% | 3,651 |
| Net loans and leases to deposits | 68.6704% | 3,867 |
| Net loans and leases to core deposits | 76.3834% | 3,671 |
| Total domestic deposits to total assets | 87.8258% | 1,119 |
| Equity capital to assets | 11.6832% | 2,524 |
| Core capital (leverage) ratio | 12.5484% | 1,547 |
| Tier 1 risk-based capital ratio | 20.7187% | 1,227 |
| Total risk-based capital ratio | 21.3156% | 1,321 |
| Memoranda: | ||
| Average total assets | $212,108,500 | 2,751 |
| Average earning assets | $194,484,250 | 2,773 |
| Average equity | $25,265,500 | 2,709 |
| Average total loans | $131,837,500 | 2,835 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7977% | 4,711 |
| Cost of funding earning assets | 0.4913% | 4,155 |
| Net interest margin | 3.3064% | 4,127 |
| Noninterest income to average assets | 0.3314% | 3,727 |
| Noninterest expense to average assets | 2.9806% | 2,052 |
| Loan and lease loss provision to assets | 0.0019% | 3,666 |
| Net operating income to assets | 0.3242% | 4,843 |
| Return on assets (ROA) | 0.3152% | 4,868 |
| Pretax return on assets | 0.3658% | 4,870 |
| Return on Equity (ROE) | 2.6281% | 4,855 |
| Retained earnings to average equity (ytd only) | 2.0706% | 4,088 |
| Net charge-offs to loans | 0.0091% | 2,809 |
| Credit loss provision to net charge-offs | 33.3333% | 2,582 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 935 |
| Efficiency ratio | 88.7404% | 404 |
| Assets per employee ($millions) | 4.3539% | 3,360 |
| Cash dividends to net income (ytd only)* | 21.2121% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5605% | 4,939 |
| Loan loss allowance to noncurrent loans | 158.5313% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 3,705 |
| Noncurrent loans to loans | 0.3535% | 3,278 |
| Net loans and leases to total assets | 61.0402% | 3,645 |
| Net loans and leases to deposits | 69.7065% | 3,865 |
| Net loans and leases to core deposits | 77.6272% | 3,606 |
| Total domestic deposits to total assets | 87.5674% | 1,304 |
| Equity capital to assets | 11.9713% | 2,204 |
| Core capital (leverage) ratio | 12.6904% | 1,445 |
| Tier 1 risk-based capital ratio | 21.1489% | 1,157 |
| Total risk-based capital ratio | 21.7401% | 1,223 |
| Memoranda: | ||
| Average total assets | $209,423,670 | 2,790 |
| Average earning assets | $191,749,330 | 2,809 |
| Average equity | $25,113,330 | 2,709 |
| Average total loans | $131,269,670 | 2,853 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8204% | 4,680 |
| Cost of funding earning assets | 0.4512% | 4,280 |
| Net interest margin | 3.3692% | 3,978 |
| Noninterest income to average assets | 0.3258% | 3,675 |
| Noninterest expense to average assets | 3.0212% | 1,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3325% | 4,859 |
| Return on assets (ROA) | 0.3143% | 4,884 |
| Pretax return on assets | 0.3644% | 4,882 |
| Return on Equity (ROE) | 2.6185% | 4,866 |
| Retained earnings to average equity (ytd only) | 2.6185% | 3,885 |
| Net charge-offs to loans | 0.0030% | 2,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 200.0000% | 389 |
| Efficiency ratio | 88.6814% | 453 |
| Assets per employee ($millions) | 4.3385% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5591% | 5,005 |
| Loan loss allowance to noncurrent loans | 550.0000% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 4,501 |
| Noncurrent loans to loans | 0.1017% | 4,284 |
| Net loans and leases to total assets | 62.9403% | 3,409 |
| Net loans and leases to deposits | 73.6099% | 3,478 |
| Net loans and leases to core deposits | 82.8249% | 3,119 |
| Total domestic deposits to total assets | 85.5053% | 2,480 |
| Equity capital to assets | 12.0510% | 1,993 |
| Core capital (leverage) ratio | 12.6302% | 1,441 |
| Tier 1 risk-based capital ratio | 20.7649% | 1,206 |
| Total risk-based capital ratio | 21.3515% | 1,291 |
| Memoranda: | ||
| Average total assets | $207,464,000 | 2,835 |
| Average earning assets | $189,719,000 | 2,856 |
| Average equity | $24,900,000 | 2,726 |
| Average total loans | $131,425,000 | 2,888 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6635% | 4,719 |
| Cost of funding earning assets | 0.3618% | 4,208 |
| Net interest margin | 3.3016% | 4,254 |
| Noninterest income to average assets | 0.3289% | 3,905 |
| Noninterest expense to average assets | 2.9514% | 2,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3341% | 4,970 |
| Return on assets (ROA) | 0.3337% | 4,964 |
| Pretax return on assets | 0.4006% | 4,933 |
| Return on Equity (ROE) | 2.8815% | 4,923 |
| Retained earnings to average equity (ytd only) | 2.8815% | 3,960 |
| Net charge-offs to loans | 0.0093% | 3,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 932 |
| Efficiency ratio | 88.0376% | 434 |
| Assets per employee ($millions) | 4.3058% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5632% | 5,033 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 63.0458% | 3,458 |
| Net loans and leases to deposits | 71.9974% | 3,670 |
| Net loans and leases to core deposits | 80.3600% | 3,401 |
| Total domestic deposits to total assets | 87.5668% | 1,499 |
| Equity capital to assets | 11.9528% | 1,932 |
| Core capital (leverage) ratio | 12.4486% | 1,484 |
| Tier 1 risk-based capital ratio | 20.8683% | 1,169 |
| Total risk-based capital ratio | 21.4608% | 1,252 |
| Memoranda: | ||
| Average total assets | $209,460,400 | 2,771 |
| Average earning assets | $191,813,600 | 2,808 |
| Average equity | $24,258,200 | 2,700 |
| Average total loans | $128,810,800 | 2,887 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6060% | 4,794 |
| Cost of funding earning assets | 0.3448% | 4,220 |
| Net interest margin | 3.2612% | 4,380 |
| Noninterest income to average assets | 0.3198% | 4,011 |
| Noninterest expense to average assets | 2.9419% | 2,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3171% | 5,078 |
| Return on assets (ROA) | 0.3166% | 5,071 |
| Pretax return on assets | 0.3654% | 5,069 |
| Return on Equity (ROE) | 2.7553% | 5,037 |
| Retained earnings to average equity (ytd only) | 2.7553% | 4,330 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9336% | 367 |
| Assets per employee ($millions) | 4.1486% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5725% | 5,086 |
| Loan loss allowance to noncurrent loans | 234.3750% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 4,186 |
| Noncurrent loans to loans | 0.2443% | 3,822 |
| Net loans and leases to total assets | 62.7970% | 3,564 |
| Net loans and leases to deposits | 71.6176% | 3,799 |
| Net loans and leases to core deposits | 78.7918% | 3,587 |
| Total domestic deposits to total assets | 87.6837% | 1,404 |
| Equity capital to assets | 11.6814% | 2,124 |
| Core capital (leverage) ratio | 12.3645% | 1,572 |
| Tier 1 risk-based capital ratio | 20.7745% | 1,216 |
| Total risk-based capital ratio | 21.3785% | 1,278 |
| Memoranda: | ||
| Average total assets | $210,155,500 | 2,787 |
| Average earning assets | $192,563,000 | 2,812 |
| Average equity | $24,146,750 | 2,726 |
| Average total loans | $128,253,250 | 2,922 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 4,866 |
| Cost of funding earning assets | 0.3277% | 4,220 |
| Net interest margin | 3.2086% | 4,478 |
| Noninterest income to average assets | 0.3070% | 4,119 |
| Noninterest expense to average assets | 2.9167% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2898% | 5,133 |
| Return on assets (ROA) | 0.2890% | 5,125 |
| Pretax return on assets | 0.3307% | 5,129 |
| Return on Equity (ROE) | 2.5292% | 5,091 |
| Retained earnings to average equity (ytd only) | 2.5292% | 4,247 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7900% | 380 |
| Assets per employee ($millions) | 4.2982% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5906% | 5,118 |
| Loan loss allowance to noncurrent loans | 342.4658% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 4,476 |
| Noncurrent loans to loans | 0.1725% | 4,136 |
| Net loans and leases to total assets | 59.9369% | 3,817 |
| Net loans and leases to deposits | 68.0457% | 4,016 |
| Net loans and leases to core deposits | 72.6930% | 3,966 |
| Total domestic deposits to total assets | 88.0834% | 1,331 |
| Equity capital to assets | 11.4746% | 2,217 |
| Core capital (leverage) ratio | 12.3111% | 1,532 |
| Tier 1 risk-based capital ratio | 21.1693% | 1,146 |
| Total risk-based capital ratio | 21.7895% | 1,215 |
| Memoranda: | ||
| Average total assets | $211,063,330 | 2,801 |
| Average earning assets | $193,482,330 | 2,818 |
| Average equity | $24,118,670 | 2,743 |
| Average total loans | $127,334,000 | 2,945 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4992% | 4,873 |
| Cost of funding earning assets | 0.3262% | 4,157 |
| Net interest margin | 3.1730% | 4,548 |
| Noninterest income to average assets | 0.3086% | 4,096 |
| Noninterest expense to average assets | 2.8984% | 2,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2780% | 5,127 |
| Return on assets (ROA) | 0.2764% | 5,127 |
| Pretax return on assets | 0.3180% | 5,147 |
| Return on Equity (ROE) | 2.4238% | 5,120 |
| Retained earnings to average equity (ytd only) | 2.4238% | 4,201 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0588% | 441 |
| Assets per employee ($millions) | 4.4252% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5913% | 5,198 |
| Loan loss allowance to noncurrent loans | 572.5191% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 4,776 |
| Noncurrent loans to loans | 0.1033% | 4,509 |
| Net loans and leases to total assets | 60.6267% | 3,690 |
| Net loans and leases to deposits | 68.9609% | 3,878 |
| Net loans and leases to core deposits | 73.6872% | 3,843 |
| Total domestic deposits to total assets | 87.9146% | 1,668 |
| Equity capital to assets | 11.5719% | 2,076 |
| Core capital (leverage) ratio | 12.1452% | 1,558 |
| Tier 1 risk-based capital ratio | 21.3915% | 1,138 |
| Total risk-based capital ratio | 22.0221% | 1,214 |
| Memoranda: | ||
| Average total assets | $211,288,500 | 2,829 |
| Average earning assets | $193,760,000 | 2,843 |
| Average equity | $24,094,500 | 2,765 |
| Average total loans | $127,508,500 | 2,966 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4659% | 4,841 |
| Cost of funding earning assets | 0.3239% | 3,921 |
| Net interest margin | 3.1420% | 4,597 |
| Noninterest income to average assets | 0.3370% | 4,056 |
| Noninterest expense to average assets | 2.8579% | 2,582 |
| Loan and lease loss provision to assets | 0.0009% | 4,218 |
| Net operating income to assets | 0.1873% | 5,135 |
| Return on assets (ROA) | 0.1873% | 5,149 |
| Pretax return on assets | 0.3553% | 5,146 |
| Return on Equity (ROE) | 1.6883% | 5,113 |
| Retained earnings to average equity (ytd only) | 1.3921% | 4,449 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9165% | 479 |
| Assets per employee ($millions) | 4.6650% | 2,924 |
| Cash dividends to net income (ytd only)* | 17.5439% | 3,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5852% | 5,271 |
| Loan loss allowance to noncurrent loans | 240.3846% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 4,417 |
| Noncurrent loans to loans | 0.2434% | 3,926 |
| Net loans and leases to total assets | 59.3790% | 3,893 |
| Net loans and leases to deposits | 67.2546% | 4,084 |
| Net loans and leases to core deposits | 71.5790% | 4,080 |
| Total domestic deposits to total assets | 88.2898% | 1,350 |
| Equity capital to assets | 11.2405% | 2,403 |
| Core capital (leverage) ratio | 11.9660% | 1,619 |
| Tier 1 risk-based capital ratio | 19.3215% | 1,447 |
| Total risk-based capital ratio | 19.8953% | 1,554 |
| Memoranda: | ||
| Average total assets | $213,059,400 | 2,787 |
| Average earning assets | $195,099,400 | 2,812 |
| Average equity | $23,633,200 | 2,793 |
| Average total loans | $128,922,200 | 2,929 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4620% | 4,880 |
| Cost of funding earning assets | 0.3261% | 3,881 |
| Net interest margin | 3.1360% | 4,607 |
| Noninterest income to average assets | 0.3266% | 4,198 |
| Noninterest expense to average assets | 2.8355% | 2,615 |
| Loan and lease loss provision to assets | 0.0075% | 3,978 |
| Net operating income to assets | 0.2890% | 5,234 |
| Return on assets (ROA) | 0.2890% | 5,258 |
| Pretax return on assets | 0.3536% | 5,254 |
| Return on Equity (ROE) | 2.6143% | 5,195 |
| Retained earnings to average equity (ytd only) | 2.2173% | 4,531 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7037% | 466 |
| Assets per employee ($millions) | 4.6153% | 2,950 |
| Cash dividends to net income (ytd only)* | 15.1843% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5810% | 5,360 |
| Loan loss allowance to noncurrent loans | 184.0194% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 4,327 |
| Noncurrent loans to loans | 0.3157% | 3,818 |
| Net loans and leases to total assets | 61.2532% | 3,743 |
| Net loans and leases to deposits | 69.6273% | 3,990 |
| Net loans and leases to core deposits | 73.9700% | 3,975 |
| Total domestic deposits to total assets | 87.9729% | 1,376 |
| Equity capital to assets | 11.2122% | 2,658 |
| Core capital (leverage) ratio | 11.7339% | 1,865 |
| Tier 1 risk-based capital ratio | 18.5511% | 1,710 |
| Total risk-based capital ratio | 19.1229% | 1,840 |
| Memoranda: | ||
| Average total assets | $212,676,500 | 2,816 |
| Average earning assets | $194,640,250 | 2,842 |
| Average equity | $23,511,250 | 2,832 |
| Average total loans | $129,109,750 | 2,949 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4243% | 4,928 |
| Cost of funding earning assets | 0.3206% | 3,871 |
| Net interest margin | 3.1037% | 4,675 |
| Noninterest income to average assets | 0.3308% | 4,176 |
| Noninterest expense to average assets | 2.8336% | 2,641 |
| Loan and lease loss provision to assets | 0.0254% | 3,492 |
| Net operating income to assets | 0.2660% | 5,297 |
| Return on assets (ROA) | 0.2660% | 5,317 |
| Pretax return on assets | 0.3101% | 5,321 |
| Return on Equity (ROE) | 2.4174% | 5,253 |
| Retained earnings to average equity (ytd only) | 1.8194% | 4,523 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4128% | 480 |
| Assets per employee ($millions) | 4.5054% | 3,093 |
| Cash dividends to net income (ytd only)* | 24.7350% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5898% | 5,397 |
| Loan loss allowance to noncurrent loans | 208.3333% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 4,486 |
| Noncurrent loans to loans | 0.2831% | 4,025 |
| Net loans and leases to total assets | 61.6828% | 3,667 |
| Net loans and leases to deposits | 69.9950% | 3,915 |
| Net loans and leases to core deposits | 74.1830% | 3,928 |
| Total domestic deposits to total assets | 88.1245% | 1,396 |
| Equity capital to assets | 11.1520% | 2,653 |
| Core capital (leverage) ratio | 11.7279% | 1,812 |
| Tier 1 risk-based capital ratio | 18.2907% | 1,777 |
| Total risk-based capital ratio | 18.8687% | 1,924 |
| Memoranda: | ||
| Average total assets | $212,800,670 | 2,825 |
| Average earning assets | $194,607,670 | 2,859 |
| Average equity | $23,413,670 | 2,841 |
| Average total loans | $128,545,330 | 2,969 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3677% | 5,003 |
| Cost of funding earning assets | 0.3054% | 3,987 |
| Net interest margin | 3.0623% | 4,762 |
| Noninterest income to average assets | 0.3244% | 4,222 |
| Noninterest expense to average assets | 2.8014% | 2,786 |
| Loan and lease loss provision to assets | 0.0113% | 3,418 |
| Net operating income to assets | 0.2738% | 5,257 |
| Return on assets (ROA) | 0.2738% | 5,272 |
| Pretax return on assets | 0.3131% | 5,296 |
| Return on Equity (ROE) | 2.5050% | 5,229 |
| Retained earnings to average equity (ytd only) | 1.3040% | 4,560 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6221% | 574 |
| Assets per employee ($millions) | 4.3898% | 3,350 |
| Cash dividends to net income (ytd only)* | 47.9452% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5815% | 5,513 |
| Loan loss allowance to noncurrent loans | 276.1905% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 4,742 |
| Noncurrent loans to loans | 0.2105% | 4,358 |
| Net loans and leases to total assets | 61.1829% | 3,636 |
| Net loans and leases to deposits | 71.6081% | 3,640 |
| Net loans and leases to core deposits | 76.2298% | 3,633 |
| Total domestic deposits to total assets | 85.4412% | 2,905 |
| Equity capital to assets | 11.0901% | 2,542 |
| Core capital (leverage) ratio | 11.7669% | 1,776 |
| Tier 1 risk-based capital ratio | 18.4332% | 1,760 |
| Total risk-based capital ratio | 19.0012% | 1,908 |
| Memoranda: | ||
| Average total assets | $213,323,000 | 2,844 |
| Average earning assets | $195,148,000 | 2,876 |
| Average equity | $23,313,000 | 2,856 |
| Average total loans | $127,122,000 | 3,004 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3575% | 5,064 |
| Cost of funding earning assets | 0.2964% | 4,102 |
| Net interest margin | 3.0611% | 4,818 |
| Noninterest income to average assets | 0.3496% | 4,229 |
| Noninterest expense to average assets | 2.8765% | 2,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2570% | 5,309 |
| Return on assets (ROA) | 0.2560% | 5,379 |
| Pretax return on assets | 0.2693% | 5,405 |
| Return on Equity (ROE) | 2.2195% | 5,354 |
| Retained earnings to average equity (ytd only) | 2.2195% | 4,270 |
| Net charge-offs to loans | 0.0083% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 54.9000% | 955 |
| Efficiency ratio | 91.4098% | 487 |
| Assets per employee ($millions) | 4.6942% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6005% | 5,531 |
| Loan loss allowance to noncurrent loans | 340.0000% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 4,636 |
| Noncurrent loans to loans | 0.1766% | 4,528 |
| Net loans and leases to total assets | 57.3427% | 4,135 |
| Net loans and leases to deposits | 66.1886% | 4,230 |
| Net loans and leases to core deposits | 70.3252% | 4,213 |
| Total domestic deposits to total assets | 86.6353% | 2,316 |
| Equity capital to assets | 10.7708% | 2,846 |
| Core capital (leverage) ratio | 12.0933% | 1,544 |
| Tier 1 risk-based capital ratio | 19.2956% | 1,524 |
| Total risk-based capital ratio | 19.8872% | 1,661 |
| Memoranda: | ||
| Average total assets | $203,090,600 | 2,923 |
| Average earning assets | $185,586,800 | 2,946 |
| Average equity | $23,428,800 | 2,855 |
| Average total loans | $121,135,200 | 3,053 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 5,054 |
| Cost of funding earning assets | 0.2950% | 4,156 |
| Net interest margin | 3.0914% | 4,793 |
| Noninterest income to average assets | 0.3595% | 4,206 |
| Noninterest expense to average assets | 2.9190% | 2,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2380% | 5,404 |
| Return on assets (ROA) | 0.2368% | 5,480 |
| Pretax return on assets | 0.2628% | 5,496 |
| Return on Equity (ROE) | 2.0166% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.0166% | 4,680 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7016% | 480 |
| Assets per employee ($millions) | 4.6743% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6196% | 5,569 |
| Loan loss allowance to noncurrent loans | 197.9112% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 4,714 |
| Noncurrent loans to loans | 0.3131% | 4,131 |
| Net loans and leases to total assets | 57.7996% | 4,116 |
| Net loans and leases to deposits | 65.7644% | 4,368 |
| Net loans and leases to core deposits | 69.6522% | 4,348 |
| Total domestic deposits to total assets | 87.8889% | 1,456 |
| Equity capital to assets | 11.2145% | 2,783 |
| Core capital (leverage) ratio | 12.1682% | 1,561 |
| Tier 1 risk-based capital ratio | 20.6570% | 1,329 |
| Total risk-based capital ratio | 21.3032% | 1,400 |
| Memoranda: | ||
| Average total assets | $199,879,500 | 2,966 |
| Average earning assets | $182,565,500 | 3,005 |
| Average equity | $23,471,500 | 2,866 |
| Average total loans | $120,276,250 | 3,069 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4219% | 5,033 |
| Cost of funding earning assets | 0.2915% | 4,235 |
| Net interest margin | 3.1304% | 4,747 |
| Noninterest income to average assets | 0.3707% | 4,094 |
| Noninterest expense to average assets | 2.9655% | 2,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2313% | 5,466 |
| Return on assets (ROA) | 0.2322% | 5,530 |
| Pretax return on assets | 0.2607% | 5,548 |
| Return on Equity (ROE) | 1.9460% | 5,520 |
| Retained earnings to average equity (ytd only) | 1.9460% | 4,587 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9482% | 499 |
| Assets per employee ($millions) | 4.1948% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6296% | 5,642 |
| Loan loss allowance to noncurrent loans | 512.1622% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 5,246 |
| Noncurrent loans to loans | 0.1229% | 4,952 |
| Net loans and leases to total assets | 59.4190% | 3,957 |
| Net loans and leases to deposits | 67.9489% | 4,187 |
| Net loans and leases to core deposits | 72.0365% | 4,177 |
| Total domestic deposits to total assets | 87.4466% | 1,692 |
| Equity capital to assets | 11.6738% | 2,384 |
| Core capital (leverage) ratio | 12.3681% | 1,425 |
| Tier 1 risk-based capital ratio | 21.2969% | 1,225 |
| Total risk-based capital ratio | 21.9667% | 1,289 |
| Memoranda: | ||
| Average total assets | $196,391,330 | 3,024 |
| Average earning assets | $179,080,670 | 3,053 |
| Average equity | $23,432,330 | 2,879 |
| Average total loans | $119,589,670 | 3,080 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5112% | 4,865 |
| Cost of funding earning assets | 0.2945% | 4,219 |
| Net interest margin | 3.2167% | 4,528 |
| Noninterest income to average assets | 0.3816% | 3,975 |
| Noninterest expense to average assets | 2.9890% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2723% | 5,374 |
| Return on assets (ROA) | 0.2723% | 5,447 |
| Pretax return on assets | 0.3218% | 5,468 |
| Return on Equity (ROE) | 2.2568% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.2568% | 4,358 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2804% | 660 |
| Assets per employee ($millions) | 4.1079% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6412% | 5,683 |
| Loan loss allowance to noncurrent loans | 364.4231% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 5,144 |
| Noncurrent loans to loans | 0.1759% | 4,782 |
| Net loans and leases to total assets | 60.8396% | 3,671 |
| Net loans and leases to deposits | 70.0105% | 3,856 |
| Net loans and leases to core deposits | 74.4459% | 3,845 |
| Total domestic deposits to total assets | 86.9006% | 2,254 |
| Equity capital to assets | 12.1086% | 1,951 |
| Core capital (leverage) ratio | 12.4294% | 1,365 |
| Tier 1 risk-based capital ratio | 21.6858% | 1,205 |
| Total risk-based capital ratio | 22.3706% | 1,273 |
| Memoranda: | ||
| Average total assets | $193,913,000 | 3,055 |
| Average earning assets | $176,578,500 | 3,088 |
| Average equity | $23,396,000 | 2,887 |
| Average total loans | $119,186,000 | 3,097 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5856% | 4,709 |
| Cost of funding earning assets | 0.3062% | 4,182 |
| Net interest margin | 3.2793% | 4,373 |
| Noninterest income to average assets | 0.3772% | 4,203 |
| Noninterest expense to average assets | 3.0817% | 2,292 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2590% | 5,466 |
| Return on assets (ROA) | 0.2658% | 5,525 |
| Pretax return on assets | 0.2749% | 5,575 |
| Return on Equity (ROE) | 2.1408% | 5,536 |
| Retained earnings to average equity (ytd only) | 1.8387% | 4,676 |
| Net charge-offs to loans | 0.0479% | 3,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 8.7719% | 2,901 |
| Efficiency ratio | 92.0013% | 573 |
| Assets per employee ($millions) | 4.3279% | 3,344 |
| Cash dividends to net income (ytd only)* | 14.1129% | 3,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6309% | 5,752 |
| Loan loss allowance to noncurrent loans | 286.0377% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 5,049 |
| Noncurrent loans to loans | 0.2206% | 4,635 |
| Net loans and leases to total assets | 61.3039% | 3,649 |
| Net loans and leases to deposits | 70.3098% | 3,890 |
| Net loans and leases to core deposits | 74.6673% | 3,877 |
| Total domestic deposits to total assets | 87.1912% | 2,036 |
| Equity capital to assets | 12.0222% | 1,937 |
| Core capital (leverage) ratio | 12.9065% | 1,182 |
| Tier 1 risk-based capital ratio | 21.4472% | 1,223 |
| Total risk-based capital ratio | 22.1282% | 1,294 |
| Memoranda: | ||
| Average total assets | $186,620,000 | 3,098 |
| Average earning assets | $169,150,200 | 3,138 |
| Average equity | $23,168,400 | 2,865 |
| Average total loans | $119,032,800 | 3,062 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 4,660 |
| Cost of funding earning assets | 0.3096% | 4,235 |
| Net interest margin | 3.3128% | 4,287 |
| Noninterest income to average assets | 0.3677% | 4,301 |
| Noninterest expense to average assets | 3.1132% | 2,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2193% | 5,643 |
| Return on assets (ROA) | 0.2268% | 5,689 |
| Pretax return on assets | 0.2622% | 5,700 |
| Return on Equity (ROE) | 1.8118% | 5,707 |
| Retained earnings to average equity (ytd only) | 1.4079% | 5,159 |
| Net charge-offs to loans | 0.0640% | 2,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.1578% | 3,091 |
| Efficiency ratio | 92.4694% | 544 |
| Assets per employee ($millions) | 4.2140% | 3,489 |
| Cash dividends to net income (ytd only)* | 22.2926% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6362% | 5,839 |
| Loan loss allowance to noncurrent loans | 947.5000% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 5,611 |
| Noncurrent loans to loans | 0.0671% | 5,348 |
| Net loans and leases to total assets | 62.4291% | 3,547 |
| Net loans and leases to deposits | 71.8113% | 3,794 |
| Net loans and leases to core deposits | 76.4215% | 3,754 |
| Total domestic deposits to total assets | 86.9349% | 2,079 |
| Equity capital to assets | 12.2630% | 1,899 |
| Core capital (leverage) ratio | 12.9765% | 1,208 |
| Tier 1 risk-based capital ratio | 22.1650% | 1,169 |
| Total risk-based capital ratio | 22.8742% | 1,225 |
| Memoranda: | ||
| Average total assets | $184,586,000 | 3,145 |
| Average earning assets | $167,106,000 | 3,189 |
| Average equity | $23,107,000 | 2,891 |
| Average total loans | $118,753,250 | 3,093 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6616% | 4,537 |
| Cost of funding earning assets | 0.3108% | 4,270 |
| Net interest margin | 3.3508% | 4,104 |
| Noninterest income to average assets | 0.3554% | 4,416 |
| Noninterest expense to average assets | 3.1689% | 2,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1968% | 5,699 |
| Return on assets (ROA) | 0.1968% | 5,765 |
| Pretax return on assets | 0.2165% | 5,785 |
| Return on Equity (ROE) | 1.5613% | 5,788 |
| Retained earnings to average equity (ytd only) | 0.9541% | 5,190 |
| Net charge-offs to loans | 0.0961% | 2,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.4737% | 3,191 |
| Efficiency ratio | 93.6047% | 544 |
| Assets per employee ($millions) | 4.1847% | 3,496 |
| Cash dividends to net income (ytd only)* | 38.8889% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6355% | 5,917 |
| Loan loss allowance to noncurrent loans | 344.5455% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 5,099 |
| Noncurrent loans to loans | 0.1844% | 5,041 |
| Net loans and leases to total assets | 64.3688% | 3,215 |
| Net loans and leases to deposits | 74.3213% | 3,454 |
| Net loans and leases to core deposits | 79.4158% | 3,452 |
| Total domestic deposits to total assets | 86.6088% | 2,367 |
| Equity capital to assets | 12.5576% | 1,628 |
| Core capital (leverage) ratio | 13.0521% | 1,147 |
| Tier 1 risk-based capital ratio | 21.8998% | 1,223 |
| Total risk-based capital ratio | 22.6045% | 1,283 |
| Memoranda: | ||
| Average total assets | $182,905,330 | 3,188 |
| Average earning assets | $165,393,000 | 3,230 |
| Average equity | $23,058,000 | 2,907 |
| Average total loans | $118,624,000 | 3,109 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6512% | 4,529 |
| Cost of funding earning assets | 0.3202% | 4,223 |
| Net interest margin | 3.3309% | 4,091 |
| Noninterest income to average assets | 0.3379% | 4,491 |
| Noninterest expense to average assets | 3.1597% | 2,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1843% | 5,712 |
| Return on assets (ROA) | 0.1843% | 5,794 |
| Pretax return on assets | 0.1909% | 5,841 |
| Return on Equity (ROE) | 1.4592% | 5,816 |
| Retained earnings to average equity (ytd only) | 0.2432% | 5,287 |
| Net charge-offs to loans | 0.1285% | 1,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.2895% | 2,787 |
| Efficiency ratio | 94.3026% | 580 |
| Assets per employee ($millions) | 3.9426% | 4,075 |
| Cash dividends to net income (ytd only)* | 83.3333% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6582% | 5,974 |
| Loan loss allowance to noncurrent loans | 134.4291% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 4,420 |
| Noncurrent loans to loans | 0.4896% | 4,111 |
| Net loans and leases to total assets | 64.6651% | 2,994 |
| Net loans and leases to deposits | 74.7228% | 3,194 |
| Net loans and leases to core deposits | 80.0464% | 3,161 |
| Total domestic deposits to total assets | 86.5400% | 2,639 |
| Equity capital to assets | 12.6997% | 1,569 |
| Core capital (leverage) ratio | 12.9076% | 1,188 |
| Tier 1 risk-based capital ratio | 23.5803% | 1,042 |
| Total risk-based capital ratio | 24.3613% | 1,071 |
| Memoranda: | ||
| Average total assets | $182,294,000 | 3,211 |
| Average earning assets | $164,879,500 | 3,252 |
| Average equity | $23,026,000 | 2,929 |
| Average total loans | $118,296,500 | 3,116 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7261% | 4,712 |
| Cost of funding earning assets | 0.3335% | 4,451 |
| Net interest margin | 3.3927% | 4,229 |
| Noninterest income to average assets | 0.3791% | 4,350 |
| Noninterest expense to average assets | 3.1765% | 2,272 |
| Loan and lease loss provision to assets | -0.0319% | 5,978 |
| Net operating income to assets | 0.2510% | 5,659 |
| Return on assets (ROA) | 0.2515% | 5,713 |
| Pretax return on assets | 0.2971% | 5,707 |
| Return on Equity (ROE) | 1.9934% | 5,765 |
| Retained earnings to average equity (ytd only) | 0.2486% | 5,670 |
| Net charge-offs to loans | 0.0231% | 4,380 |
| Credit loss provision to net charge-offs | -214.8148% | 5,643 |
| Earnings coverage of net charge-offs (x) | 17.8148% | 1,892 |
| Efficiency ratio | 92.3089% | 685 |
| Assets per employee ($millions) | 3.8985% | 4,168 |
| Cash dividends to net income (ytd only)* | 87.5274% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6875% | 6,011 |
| Loan loss allowance to noncurrent loans | 204.7739% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 4,818 |
| Noncurrent loans to loans | 0.3358% | 4,645 |
| Net loans and leases to total assets | 64.2502% | 3,187 |
| Net loans and leases to deposits | 74.1057% | 3,424 |
| Net loans and leases to core deposits | 78.9973% | 3,410 |
| Total domestic deposits to total assets | 86.7008% | 2,451 |
| Equity capital to assets | 12.5635% | 1,612 |
| Core capital (leverage) ratio | 12.7966% | 1,211 |
| Tier 1 risk-based capital ratio | 18.3980% | 2,017 |
| Total risk-based capital ratio | 19.0375% | 2,170 |
| Memoranda: | ||
| Average total assets | $181,743,400 | 3,186 |
| Average earning assets | $164,030,400 | 3,230 |
| Average equity | $22,925,400 | 2,856 |
| Average total loans | $117,100,400 | 3,097 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7101% | 4,823 |
| Cost of funding earning assets | 0.3382% | 4,486 |
| Net interest margin | 3.3720% | 4,344 |
| Noninterest income to average assets | 0.3867% | 4,341 |
| Noninterest expense to average assets | 3.1544% | 2,310 |
| Loan and lease loss provision to assets | -0.0037% | 6,069 |
| Net operating income to assets | 0.2294% | 5,785 |
| Return on assets (ROA) | 0.2294% | 5,842 |
| Pretax return on assets | 0.2779% | 5,813 |
| Return on Equity (ROE) | 1.8164% | 5,877 |
| Retained earnings to average equity (ytd only) | -0.5123% | 5,877 |
| Net charge-offs to loans | 0.0308% | 3,867 |
| Credit loss provision to net charge-offs | -18.5185% | 5,271 |
| Earnings coverage of net charge-offs (x) | 13.8144% | 2,188 |
| Efficiency ratio | 92.0026% | 710 |
| Assets per employee ($millions) | 3.9079% | 4,069 |
| Cash dividends to net income (ytd only)* | 128.2050% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7361% | 6,025 |
| Loan loss allowance to noncurrent loans | 132.3171% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 4,537 |
| Noncurrent loans to loans | 0.5563% | 4,252 |
| Net loans and leases to total assets | 63.7303% | 3,226 |
| Net loans and leases to deposits | 73.4788% | 3,499 |
| Net loans and leases to core deposits | 78.1658% | 3,520 |
| Total domestic deposits to total assets | 86.7328% | 2,457 |
| Equity capital to assets | 12.4527% | 1,734 |
| Core capital (leverage) ratio | 12.6863% | 1,310 |
| Tier 1 risk-based capital ratio | 18.3636% | 2,100 |
| Total risk-based capital ratio | 19.0477% | 2,240 |
| Memoranda: | ||
| Average total assets | $181,372,000 | 3,220 |
| Average earning assets | $163,620,000 | 3,268 |
| Average equity | $22,901,750 | 2,867 |
| Average total loans | $116,740,500 | 3,124 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7095% | 4,830 |
| Cost of funding earning assets | 0.3380% | 4,560 |
| Net interest margin | 3.3715% | 4,308 |
| Noninterest income to average assets | 0.3898% | 4,314 |
| Noninterest expense to average assets | 3.1848% | 2,239 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2015% | 5,832 |
| Return on assets (ROA) | 0.2015% | 5,889 |
| Pretax return on assets | 0.2425% | 5,887 |
| Return on Equity (ROE) | 1.5887% | 5,934 |
| Retained earnings to average equity (ytd only) | -1.9030% | 5,979 |
| Net charge-offs to loans | 0.0120% | 4,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 31.2857% | 1,219 |
| Efficiency ratio | 92.9241% | 698 |
| Assets per employee ($millions) | 3.9397% | 3,974 |
| Cash dividends to net income (ytd only)* | 219.7802% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 6,051 |
| Loan loss allowance to noncurrent loans | 172.7273% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 4,830 |
| Noncurrent loans to loans | 0.4458% | 4,644 |
| Net loans and leases to total assets | 63.4968% | 3,158 |
| Net loans and leases to deposits | 73.3125% | 3,415 |
| Net loans and leases to core deposits | 77.6989% | 3,475 |
| Total domestic deposits to total assets | 86.6111% | 2,691 |
| Equity capital to assets | 12.5512% | 1,612 |
| Core capital (leverage) ratio | 12.7563% | 1,262 |
| Tier 1 risk-based capital ratio | 18.4785% | 2,077 |
| Total risk-based capital ratio | 19.1906% | 2,231 |
| Memoranda: | ||
| Average total assets | $180,605,670 | 3,244 |
| Average earning assets | $162,719,000 | 3,284 |
| Average equity | $22,911,670 | 2,855 |
| Average total loans | $116,346,670 | 3,130 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7490% | 4,672 |
| Cost of funding earning assets | 0.3451% | 4,590 |
| Net interest margin | 3.4040% | 4,098 |
| Noninterest income to average assets | 0.3905% | 4,271 |
| Noninterest expense to average assets | 3.2901% | 1,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1442% | 5,943 |
| Return on assets (ROA) | 0.1442% | 5,974 |
| Pretax return on assets | 0.1642% | 5,986 |
| Return on Equity (ROE) | 1.1307% | 6,010 |
| Retained earnings to average equity (ytd only) | 1.1307% | 5,151 |
| Net charge-offs to loans | 0.0240% | 3,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.5714% | 1,848 |
| Efficiency ratio | 95.2473% | 688 |
| Assets per employee ($millions) | 3.9697% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7656% | 6,166 |
| Loan loss allowance to noncurrent loans | 130.1749% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 4,659 |
| Noncurrent loans to loans | 0.5881% | 4,396 |
| Net loans and leases to total assets | 64.7932% | 2,761 |
| Net loans and leases to deposits | 75.0128% | 2,941 |
| Net loans and leases to core deposits | 79.6981% | 3,007 |
| Total domestic deposits to total assets | 86.3762% | 3,171 |
| Equity capital to assets | 12.8899% | 1,361 |
| Core capital (leverage) ratio | 13.0991% | 1,121 |
| Tier 1 risk-based capital ratio | 18.8282% | 2,021 |
| Total risk-based capital ratio | 19.5450% | 2,140 |
| Memoranda: | ||
| Average total assets | $180,296,000 | 3,272 |
| Average earning assets | $162,281,500 | 3,318 |
| Average equity | $22,994,500 | 2,845 |
| Average total loans | $116,537,500 | 3,145 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9375% | 4,330 |
| Cost of funding earning assets | 0.4244% | 4,384 |
| Net interest margin | 3.5131% | 3,837 |
| Noninterest income to average assets | 0.4171% | 4,321 |
| Noninterest expense to average assets | 3.2383% | 2,316 |
| Loan and lease loss provision to assets | 0.0274% | 4,583 |
| Net operating income to assets | 0.2357% | 5,732 |
| Return on assets (ROA) | 0.2362% | 5,794 |
| Pretax return on assets | 0.2859% | 5,767 |
| Return on Equity (ROE) | 1.8601% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.5963% | 5,083 |
| Net charge-offs to loans | 0.0587% | 4,403 |
| Credit loss provision to net charge-offs | 71.0145% | 3,280 |
| Earnings coverage of net charge-offs (x) | 8.1159% | 2,728 |
| Efficiency ratio | 91.1950% | 934 |
| Assets per employee ($millions) | 3.9556% | 3,956 |
| Cash dividends to net income (ytd only)* | 14.1844% | 3,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 6,226 |
| Loan loss allowance to noncurrent loans | 124.3094% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 4,678 |
| Noncurrent loans to loans | 0.6218% | 4,426 |
| Net loans and leases to total assets | 63.4978% | 3,133 |
| Net loans and leases to deposits | 73.2932% | 3,359 |
| Net loans and leases to core deposits | 78.0831% | 3,352 |
| Total domestic deposits to total assets | 86.6352% | 2,919 |
| Equity capital to assets | 12.6201% | 1,454 |
| Core capital (leverage) ratio | 12.8247% | 1,210 |
| Tier 1 risk-based capital ratio | 18.7507% | 1,993 |
| Total risk-based capital ratio | 19.4722% | 2,135 |
| Memoranda: | ||
| Average total assets | $179,108,600 | 3,282 |
| Average earning assets | $159,772,200 | 3,352 |
| Average equity | $22,740,400 | 2,854 |
| Average total loans | $117,609,000 | 3,088 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 4,320 |
| Cost of funding earning assets | 0.4374% | 4,411 |
| Net interest margin | 3.5120% | 3,827 |
| Noninterest income to average assets | 0.4432% | 4,202 |
| Noninterest expense to average assets | 3.1995% | 2,369 |
| Loan and lease loss provision to assets | 0.0531% | 3,971 |
| Net operating income to assets | 0.2362% | 5,819 |
| Return on assets (ROA) | 0.2362% | 5,904 |
| Pretax return on assets | 0.3169% | 5,831 |
| Return on Equity (ROE) | 1.8573% | 5,983 |
| Retained earnings to average equity (ytd only) | 1.5046% | 5,379 |
| Net charge-offs to loans | 0.0995% | 3,556 |
| Credit loss provision to net charge-offs | 80.6818% | 2,832 |
| Earnings coverage of net charge-offs (x) | 5.6250% | 3,144 |
| Efficiency ratio | 89.6357% | 1,027 |
| Assets per employee ($millions) | 3.9559% | 3,920 |
| Cash dividends to net income (ytd only)* | 18.9879% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7646% | 6,342 |
| Loan loss allowance to noncurrent loans | 90.8451% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.6891% | 4,386 |
| Noncurrent loans to loans | 0.8416% | 4,147 |
| Net loans and leases to total assets | 64.4061% | 2,934 |
| Net loans and leases to deposits | 74.2422% | 3,202 |
| Net loans and leases to core deposits | 79.2364% | 3,205 |
| Total domestic deposits to total assets | 86.7513% | 2,825 |
| Equity capital to assets | 12.5624% | 1,548 |
| Core capital (leverage) ratio | 12.7661% | 1,300 |
| Tier 1 risk-based capital ratio | 18.4239% | 2,169 |
| Total risk-based capital ratio | 19.1383% | 2,326 |
| Memoranda: | ||
| Average total assets | $178,396,750 | 3,316 |
| Average earning assets | $158,805,000 | 3,398 |
| Average equity | $22,684,750 | 2,884 |
| Average total loans | $117,901,750 | 3,101 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 4,189 |
| Cost of funding earning assets | 0.4521% | 4,409 |
| Net interest margin | 3.5277% | 3,664 |
| Noninterest income to average assets | 0.4289% | 4,311 |
| Noninterest expense to average assets | 3.2302% | 2,275 |
| Loan and lease loss provision to assets | 0.0621% | 3,770 |
| Net operating income to assets | 0.1896% | 5,932 |
| Return on assets (ROA) | 0.1896% | 6,050 |
| Pretax return on assets | 0.2630% | 5,971 |
| Return on Equity (ROE) | 1.4850% | 6,097 |
| Retained earnings to average equity (ytd only) | 0.9546% | 5,523 |
| Net charge-offs to loans | 0.0696% | 3,715 |
| Credit loss provision to net charge-offs | 134.1463% | 1,691 |
| Earnings coverage of net charge-offs (x) | 7.0244% | 2,611 |
| Efficiency ratio | 90.8571% | 992 |
| Assets per employee ($millions) | 4.0402% | 3,707 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7933% | 6,367 |
| Loan loss allowance to noncurrent loans | 72.3470% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 4,200 |
| Noncurrent loans to loans | 1.0965% | 3,738 |
| Net loans and leases to total assets | 64.2480% | 2,877 |
| Net loans and leases to deposits | 73.9900% | 3,157 |
| Net loans and leases to core deposits | 79.0071% | 3,167 |
| Total domestic deposits to total assets | 86.8334% | 2,924 |
| Equity capital to assets | 12.4835% | 1,583 |
| Core capital (leverage) ratio | 12.6953% | 1,290 |
| Tier 1 risk-based capital ratio | 18.5052% | 2,140 |
| Total risk-based capital ratio | 19.2522% | 2,282 |
| Memoranda: | ||
| Average total assets | $177,205,000 | 3,346 |
| Average earning assets | $157,041,000 | 3,447 |
| Average equity | $22,626,330 | 2,911 |
| Average total loans | $117,834,330 | 3,111 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 3,948 |
| Cost of funding earning assets | 0.4715% | 4,355 |
| Net interest margin | 3.5696% | 3,384 |
| Noninterest income to average assets | 0.4277% | 4,266 |
| Noninterest expense to average assets | 3.3687% | 1,901 |
| Loan and lease loss provision to assets | 0.0800% | 3,308 |
| Net operating income to assets | 0.0709% | 6,205 |
| Return on assets (ROA) | 0.0709% | 6,291 |
| Pretax return on assets | 0.1304% | 6,209 |
| Return on Equity (ROE) | 0.5489% | 6,319 |
| Retained earnings to average equity (ytd only) | -0.5135% | 5,884 |
| Net charge-offs to loans | 0.1120% | 2,759 |
| Credit loss provision to net charge-offs | 106.0606% | 1,742 |
| Earnings coverage of net charge-offs (x) | 2.7879% | 2,936 |
| Efficiency ratio | 94.1214% | 830 |
| Assets per employee ($millions) | 3.8446% | 4,264 |
| Cash dividends to net income (ytd only)* | 193.5484% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7852% | 6,482 |
| Loan loss allowance to noncurrent loans | 53.3565% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 1.1648% | 3,621 |
| Noncurrent loans to loans | 1.4716% | 3,351 |
| Net loans and leases to total assets | 65.8756% | 2,387 |
| Net loans and leases to deposits | 76.1888% | 2,608 |
| Net loans and leases to core deposits | 81.8683% | 2,587 |
| Total domestic deposits to total assets | 86.4637% | 3,263 |
| Equity capital to assets | 12.7634% | 1,553 |
| Core capital (leverage) ratio | 12.9735% | 1,125 |
| Tier 1 risk-based capital ratio | 18.9682% | 2,049 |
| Total risk-based capital ratio | 19.7287% | 2,169 |
| Memoranda: | ||
| Average total assets | $174,903,500 | 3,413 |
| Average earning assets | $154,413,000 | 3,525 |
| Average equity | $22,591,500 | 2,970 |
| Average total loans | $117,880,500 | 3,128 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4085% | 3,779 |
| Cost of funding earning assets | 0.5452% | 4,858 |
| Net interest margin | 3.8633% | 2,976 |
| Noninterest income to average assets | 0.4704% | 4,095 |
| Noninterest expense to average assets | 3.3746% | 2,117 |
| Loan and lease loss provision to assets | 0.0697% | 4,876 |
| Net operating income to assets | 0.3275% | 5,371 |
| Return on assets (ROA) | 0.3298% | 5,578 |
| Pretax return on assets | 0.4297% | 5,481 |
| Return on Equity (ROE) | 2.4836% | 5,751 |
| Retained earnings to average equity (ytd only) | 1.1483% | 5,298 |
| Net charge-offs to loans | 0.1471% | 4,223 |
| Credit loss provision to net charge-offs | 65.9218% | 4,291 |
| Earnings coverage of net charge-offs (x) | 4.6927% | 3,287 |
| Efficiency ratio | 87.1756% | 1,311 |
| Assets per employee ($millions) | 3.7599% | 4,445 |
| Cash dividends to net income (ytd only)* | 53.7634% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7774% | 6,526 |
| Loan loss allowance to noncurrent loans | 70.0152% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8320% | 4,392 |
| Noncurrent loans to loans | 1.1104% | 3,989 |
| Net loans and leases to total assets | 67.8886% | 2,198 |
| Net loans and leases to deposits | 78.9200% | 2,409 |
| Net loans and leases to core deposits | 84.9575% | 2,433 |
| Total domestic deposits to total assets | 86.0220% | 3,357 |
| Equity capital to assets | 13.0732% | 1,406 |
| Core capital (leverage) ratio | 13.2823% | 1,021 |
| Tier 1 risk-based capital ratio | 19.0941% | 1,934 |
| Total risk-based capital ratio | 19.8569% | 2,032 |
| Memoranda: | ||
| Average total assets | $169,204,800 | 3,470 |
| Average earning assets | $148,939,400 | 3,579 |
| Average equity | $22,467,600 | 2,919 |
| Average total loans | $121,714,000 | 3,040 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 3,737 |
| Cost of funding earning assets | 0.5608% | 4,989 |
| Net interest margin | 3.9129% | 2,868 |
| Noninterest income to average assets | 0.3724% | 4,849 |
| Noninterest expense to average assets | 3.3153% | 2,227 |
| Loan and lease loss provision to assets | 0.0436% | 5,230 |
| Net operating income to assets | 0.3597% | 5,406 |
| Return on assets (ROA) | 0.3597% | 5,609 |
| Pretax return on assets | 0.4635% | 5,557 |
| Return on Equity (ROE) | 2.6985% | 5,797 |
| Retained earnings to average equity (ytd only) | 2.6985% | 4,937 |
| Net charge-offs to loans | 0.1588% | 3,844 |
| Credit loss provision to net charge-offs | 37.6712% | 4,663 |
| Earnings coverage of net charge-offs (x) | 4.3836% | 3,316 |
| Efficiency ratio | 86.7330% | 1,323 |
| Assets per employee ($millions) | 3.7892% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7365% | 6,700 |
| Loan loss allowance to noncurrent loans | 98.5604% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.7618% | 4,798 |
| Noncurrent loans to loans | 0.7473% | 4,927 |
| Net loans and leases to total assets | 70.3471% | 1,848 |
| Net loans and leases to deposits | 81.9111% | 2,130 |
| Net loans and leases to core deposits | 86.7477% | 2,374 |
| Total domestic deposits to total assets | 85.8823% | 3,315 |
| Equity capital to assets | 13.2064% | 1,494 |
| Core capital (leverage) ratio | 13.4126% | 1,042 |
| Tier 1 risk-based capital ratio | 21.3427% | 1,446 |
| Total risk-based capital ratio | 22.1712% | 1,510 |
| Memoranda: | ||
| Average total assets | $168,266,750 | 3,519 |
| Average earning assets | $148,362,000 | 3,623 |
| Average equity | $22,431,750 | 2,948 |
| Average total loans | $122,558,000 | 3,066 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 3,693 |
| Cost of funding earning assets | 0.5891% | 4,996 |
| Net interest margin | 3.9297% | 2,796 |
| Noninterest income to average assets | 0.3677% | 4,888 |
| Noninterest expense to average assets | 3.3429% | 2,176 |
| Loan and lease loss provision to assets | 0.0298% | 5,296 |
| Net operating income to assets | 0.3641% | 5,358 |
| Return on assets (ROA) | 0.3641% | 5,583 |
| Pretax return on assets | 0.4597% | 5,546 |
| Return on Equity (ROE) | 2.7229% | 5,796 |
| Retained earnings to average equity (ytd only) | 2.7229% | 4,808 |
| Net charge-offs to loans | 0.1722% | 3,570 |
| Credit loss provision to net charge-offs | 23.5849% | 4,553 |
| Earnings coverage of net charge-offs (x) | 3.8679% | 3,245 |
| Efficiency ratio | 87.2274% | 1,315 |
| Assets per employee ($millions) | 3.6239% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7432% | 6,773 |
| Loan loss allowance to noncurrent loans | 252.1008% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 5,672 |
| Noncurrent loans to loans | 0.2948% | 5,972 |
| Net loans and leases to total assets | 70.5714% | 1,811 |
| Net loans and leases to deposits | 82.2021% | 2,090 |
| Net loans and leases to core deposits | 87.5213% | 2,253 |
| Total domestic deposits to total assets | 85.8511% | 3,428 |
| Equity capital to assets | 13.2213% | 1,423 |
| Core capital (leverage) ratio | 13.4281% | 1,000 |
| Tier 1 risk-based capital ratio | 20.9703% | 1,486 |
| Total risk-based capital ratio | 21.7935% | 1,546 |
| Memoranda: | ||
| Average total assets | $167,517,000 | 3,541 |
| Average earning assets | $147,694,670 | 3,648 |
| Average equity | $22,402,670 | 2,933 |
| Average total loans | $123,129,670 | 3,068 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5969% | 3,517 |
| Cost of funding earning assets | 0.6286% | 4,903 |
| Net interest margin | 3.9683% | 2,638 |
| Noninterest income to average assets | 0.3468% | 5,088 |
| Noninterest expense to average assets | 3.5807% | 1,606 |
| Loan and lease loss provision to assets | 0.0241% | 5,044 |
| Net operating income to assets | 0.2480% | 5,831 |
| Return on assets (ROA) | 0.2480% | 5,979 |
| Pretax return on assets | 0.2384% | 6,114 |
| Return on Equity (ROE) | 1.8439% | 6,118 |
| Retained earnings to average equity (ytd only) | 1.8439% | 5,325 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1704% | 873 |
| Assets per employee ($millions) | 3.7183% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 6,733 |
| Loan loss allowance to noncurrent loans | 50.3301% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 1.2993% | 3,965 |
| Noncurrent loans to loans | 1.5959% | 3,725 |
| Net loans and leases to total assets | 73.1421% | 1,197 |
| Net loans and leases to deposits | 85.3726% | 1,487 |
| Net loans and leases to core deposits | 89.8535% | 1,860 |
| Total domestic deposits to total assets | 85.6740% | 3,700 |
| Equity capital to assets | 13.3393% | 1,299 |
| Core capital (leverage) ratio | 13.5808% | 914 |
| Tier 1 risk-based capital ratio | 20.0151% | 1,710 |
| Total risk-based capital ratio | 20.8880% | 1,770 |
| Memoranda: | ||
| Average total assets | $166,113,500 | 3,580 |
| Average earning assets | $146,359,000 | 3,694 |
| Average equity | $22,344,500 | 2,938 |
| Average total loans | $124,144,500 | 3,058 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9509% | 3,104 |
| Cost of funding earning assets | 0.7996% | 4,878 |
| Net interest margin | 4.1513% | 2,229 |
| Noninterest income to average assets | 0.4316% | 4,364 |
| Noninterest expense to average assets | 3.3266% | 2,433 |
| Loan and lease loss provision to assets | 0.1977% | 4,212 |
| Net operating income to assets | 0.4488% | 4,650 |
| Return on assets (ROA) | 0.4241% | 4,951 |
| Pretax return on assets | 0.5226% | 4,924 |
| Return on Equity (ROE) | 3.0595% | 5,257 |
| Retained earnings to average equity (ytd only) | 3.0595% | 4,051 |
| Net charge-offs to loans | 0.0849% | 5,475 |
| Credit loss provision to net charge-offs | 301.9048% | 774 |
| Earnings coverage of net charge-offs (x) | 11.4667% | 1,721 |
| Efficiency ratio | 81.5846% | 2,082 |
| Assets per employee ($millions) | 3.5848% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 6,772 |
| Loan loss allowance to noncurrent loans | 44.4898% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 1.5130% | 3,682 |
| Noncurrent loans to loans | 1.7652% | 3,514 |
| Net loans and leases to total assets | 75.1549% | 1,069 |
| Net loans and leases to deposits | 87.5189% | 1,450 |
| Net loans and leases to core deposits | 91.4722% | 1,944 |
| Total domestic deposits to total assets | 85.8728% | 3,386 |
| Equity capital to assets | 13.5650% | 1,235 |
| Core capital (leverage) ratio | 13.8118% | 870 |
| Tier 1 risk-based capital ratio | 21.1142% | 1,392 |
| Total risk-based capital ratio | 22.0239% | 1,439 |
| Memoranda: | ||
| Average total assets | $160,345,600 | 3,626 |
| Average earning assets | $140,824,000 | 3,728 |
| Average equity | $22,225,600 | 2,867 |
| Average total loans | $123,661,200 | 3,110 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0074% | 3,051 |
| Cost of funding earning assets | 0.8217% | 4,998 |
| Net interest margin | 4.1857% | 2,160 |
| Noninterest income to average assets | 0.4204% | 4,511 |
| Noninterest expense to average assets | 3.4411% | 2,100 |
| Loan and lease loss provision to assets | 0.0754% | 5,505 |
| Net operating income to assets | 0.4126% | 4,942 |
| Return on assets (ROA) | 0.3995% | 5,191 |
| Pretax return on assets | 0.5628% | 4,922 |
| Return on Equity (ROE) | 2.8661% | 5,475 |
| Retained earnings to average equity (ytd only) | 2.8661% | 4,641 |
| Net charge-offs to loans | 0.0638% | 5,330 |
| Credit loss provision to net charge-offs | 152.5424% | 2,039 |
| Earnings coverage of net charge-offs (x) | 13.2890% | 1,631 |
| Efficiency ratio | 83.9771% | 1,735 |
| Assets per employee ($millions) | 3.7058% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 7,032 |
| Loan loss allowance to noncurrent loans | 79.8403% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.6666% | 5,478 |
| Noncurrent loans to loans | 0.8029% | 5,265 |
| Net loans and leases to total assets | 76.0493% | 970 |
| Net loans and leases to deposits | 90.0066% | 1,211 |
| Net loans and leases to core deposits | 92.8333% | 1,902 |
| Total domestic deposits to total assets | 84.4931% | 4,011 |
| Equity capital to assets | 13.7450% | 1,267 |
| Core capital (leverage) ratio | 13.8444% | 942 |
| Tier 1 risk-based capital ratio | 21.3083% | 1,404 |
| Total risk-based capital ratio | 22.0637% | 1,468 |
| Memoranda: | ||
| Average total assets | $159,206,500 | 3,667 |
| Average earning assets | $139,868,000 | 3,772 |
| Average equity | $22,189,750 | 2,868 |
| Average total loans | $123,348,250 | 3,141 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 2,791 |
| Cost of funding earning assets | 0.8364% | 5,155 |
| Net interest margin | 4.2399% | 1,877 |
| Noninterest income to average assets | 0.4091% | 4,612 |
| Noninterest expense to average assets | 3.4422% | 2,146 |
| Loan and lease loss provision to assets | 0.0393% | 5,820 |
| Net operating income to assets | 0.4607% | 4,675 |
| Return on assets (ROA) | 0.4382% | 4,911 |
| Pretax return on assets | 0.6130% | 4,703 |
| Return on Equity (ROE) | 3.1290% | 5,347 |
| Retained earnings to average equity (ytd only) | 3.1290% | 4,285 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4254% | 1,894 |
| Assets per employee ($millions) | 3.5329% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6426% | 7,091 |
| Loan loss allowance to noncurrent loans | 93.4579% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 5,843 |
| Noncurrent loans to loans | 0.6875% | 5,532 |
| Net loans and leases to total assets | 77.8104% | 804 |
| Net loans and leases to deposits | 92.8172% | 971 |
| Net loans and leases to core deposits | 95.8225% | 1,699 |
| Total domestic deposits to total assets | 83.8319% | 4,423 |
| Equity capital to assets | 14.0081% | 1,093 |
| Core capital (leverage) ratio | 14.1156% | 846 |
| Tier 1 risk-based capital ratio | 21.4032% | 1,344 |
| Total risk-based capital ratio | 22.1664% | 1,417 |
| Memoranda: | ||
| Average total assets | $157,923,330 | 3,714 |
| Average earning assets | $138,445,670 | 3,818 |
| Average equity | $22,115,670 | 2,865 |
| Average total loans | $122,863,330 | 3,173 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 2,738 |
| Cost of funding earning assets | 0.8638% | 5,178 |
| Net interest margin | 4.2146% | 1,859 |
| Noninterest income to average assets | 0.3355% | 5,224 |
| Noninterest expense to average assets | 3.6189% | 1,728 |
| Loan and lease loss provision to assets | 0.0254% | 5,644 |
| Net operating income to assets | 0.2853% | 5,483 |
| Return on assets (ROA) | 0.2440% | 5,703 |
| Pretax return on assets | 0.3304% | 5,562 |
| Return on Equity (ROE) | 1.7424% | 5,887 |
| Retained earnings to average equity (ytd only) | 1.7424% | 5,072 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7856% | 1,351 |
| Assets per employee ($millions) | 3.4902% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6354% | 7,162 |
| Loan loss allowance to noncurrent loans | 30.5490% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 1.7064% | 3,692 |
| Noncurrent loans to loans | 2.0800% | 3,471 |
| Net loans and leases to total assets | 77.5627% | 790 |
| Net loans and leases to deposits | 93.5063% | 873 |
| Net loans and leases to core deposits | 96.5944% | 1,631 |
| Total domestic deposits to total assets | 82.9492% | 4,954 |
| Equity capital to assets | 14.0176% | 1,007 |
| Core capital (leverage) ratio | 14.1286% | 826 |
| Tier 1 risk-based capital ratio | 21.1270% | 1,369 |
| Total risk-based capital ratio | 21.8688% | 1,433 |
| Memoranda: | ||
| Average total assets | $157,395,000 | 3,753 |
| Average earning assets | $137,996,000 | 3,856 |
| Average equity | $22,038,500 | 2,863 |
| Average total loans | $122,043,500 | 3,216 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3107% | 3,080 |
| Cost of funding earning assets | 1.0316% | 5,523 |
| Net interest margin | 4.2791% | 1,890 |
| Noninterest income to average assets | 0.4715% | 4,375 |
| Noninterest expense to average assets | 3.2905% | 2,767 |
| Loan and lease loss provision to assets | 0.1956% | 5,275 |
| Net operating income to assets | 0.5444% | 3,912 |
| Return on assets (ROA) | 0.5958% | 3,856 |
| Pretax return on assets | 0.8029% | 3,621 |
| Return on Equity (ROE) | 4.2848% | 4,394 |
| Retained earnings to average equity (ytd only) | 4.2848% | 2,843 |
| Net charge-offs to loans | 0.0685% | 6,116 |
| Credit loss provision to net charge-offs | 369.8795% | 686 |
| Earnings coverage of net charge-offs (x) | 17.5663% | 1,144 |
| Efficiency ratio | 77.9825% | 2,712 |
| Assets per employee ($millions) | 3.3560% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6330% | 7,222 |
| Loan loss allowance to noncurrent loans | 31.9220% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 1.9096% | 3,458 |
| Noncurrent loans to loans | 1.9829% | 3,593 |
| Net loans and leases to total assets | 76.5352% | 1,175 |
| Net loans and leases to deposits | 92.4823% | 1,209 |
| Net loans and leases to core deposits | 95.8886% | 2,030 |
| Total domestic deposits to total assets | 82.7566% | 4,907 |
| Equity capital to assets | 13.9866% | 1,043 |
| Core capital (leverage) ratio | 14.0397% | 837 |
| Tier 1 risk-based capital ratio | 21.1290% | 1,298 |
| Total risk-based capital ratio | 21.8630% | 1,364 |
| Memoranda: | ||
| Average total assets | $156,938,000 | 3,762 |
| Average earning assets | $137,459,600 | 3,868 |
| Average equity | $21,821,200 | 2,898 |
| Average total loans | $121,238,600 | 3,294 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3782% | 2,984 |
| Cost of funding earning assets | 1.0535% | 5,684 |
| Net interest margin | 4.3247% | 1,761 |
| Noninterest income to average assets | 0.5061% | 4,133 |
| Noninterest expense to average assets | 3.2427% | 2,768 |
| Loan and lease loss provision to assets | 0.1846% | 5,198 |
| Net operating income to assets | 0.5608% | 4,047 |
| Return on assets (ROA) | 0.5818% | 4,110 |
| Pretax return on assets | 0.9000% | 3,556 |
| Return on Equity (ROE) | 4.1908% | 4,684 |
| Retained earnings to average equity (ytd only) | 4.1908% | 3,536 |
| Net charge-offs to loans | 0.0473% | 6,054 |
| Credit loss provision to net charge-offs | 504.6512% | 576 |
| Earnings coverage of net charge-offs (x) | 28.7684% | 908 |
| Efficiency ratio | 75.5001% | 3,042 |
| Assets per employee ($millions) | 3.4651% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5871% | 7,365 |
| Loan loss allowance to noncurrent loans | 37.9820% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 1.3319% | 4,493 |
| Noncurrent loans to loans | 1.5456% | 4,316 |
| Net loans and leases to total assets | 76.3873% | 1,332 |
| Net loans and leases to deposits | 93.4887% | 1,264 |
| Net loans and leases to core deposits | 95.3999% | 2,334 |
| Total domestic deposits to total assets | 81.7075% | 5,114 |
| Equity capital to assets | 13.8551% | 1,214 |
| Core capital (leverage) ratio | 13.9269% | 934 |
| Tier 1 risk-based capital ratio | 21.2644% | 1,318 |
| Total risk-based capital ratio | 21.9535% | 1,389 |
| Memoranda: | ||
| Average total assets | $156,740,000 | 3,819 |
| Average earning assets | $137,315,250 | 3,913 |
| Average equity | $21,761,250 | 2,947 |
| Average total loans | $121,176,250 | 3,347 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3826% | 3,051 |
| Cost of funding earning assets | 1.0754% | 5,805 |
| Net interest margin | 4.3073% | 1,742 |
| Noninterest income to average assets | 0.5236% | 3,929 |
| Noninterest expense to average assets | 3.3159% | 2,512 |
| Loan and lease loss provision to assets | 0.0821% | 6,112 |
| Net operating income to assets | 0.5795% | 3,952 |
| Return on assets (ROA) | 0.5929% | 4,044 |
| Pretax return on assets | 0.9188% | 3,422 |
| Return on Equity (ROE) | 4.2672% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.2672% | 3,360 |
| Net charge-offs to loans | 0.0712% | 5,430 |
| Credit loss provision to net charge-offs | 148.8372% | 2,652 |
| Earnings coverage of net charge-offs (x) | 17.7674% | 1,319 |
| Efficiency ratio | 77.1804% | 2,861 |
| Assets per employee ($millions) | 3.5633% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4584% | 7,553 |
| Loan loss allowance to noncurrent loans | 47.8445% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 0.9121% | 5,294 |
| Noncurrent loans to loans | 0.9580% | 5,391 |
| Net loans and leases to total assets | 78.3972% | 1,043 |
| Net loans and leases to deposits | 96.4644% | 1,008 |
| Net loans and leases to core deposits | 99.0667% | 2,114 |
| Total domestic deposits to total assets | 81.2705% | 5,305 |
| Equity capital to assets | 13.9535% | 1,172 |
| Core capital (leverage) ratio | 14.0200% | 922 |
| Tier 1 risk-based capital ratio | 21.3342% | 1,294 |
| Total risk-based capital ratio | 21.8838% | 1,373 |
| Memoranda: | ||
| Average total assets | $155,855,670 | 3,861 |
| Average earning assets | $136,513,000 | 3,960 |
| Average equity | $21,653,670 | 2,953 |
| Average total loans | $120,743,330 | 3,397 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4436% | 2,847 |
| Cost of funding earning assets | 1.0911% | 5,954 |
| Net interest margin | 4.3525% | 1,530 |
| Noninterest income to average assets | 0.5123% | 3,950 |
| Noninterest expense to average assets | 3.2383% | 2,738 |
| Loan and lease loss provision to assets | 0.0875% | 5,764 |
| Net operating income to assets | 0.6469% | 3,678 |
| Return on assets (ROA) | 0.6667% | 3,697 |
| Pretax return on assets | 1.0374% | 2,944 |
| Return on Equity (ROE) | 4.8092% | 4,468 |
| Retained earnings to average equity (ytd only) | 4.8092% | 3,263 |
| Net charge-offs to loans | 0.1005% | 4,410 |
| Credit loss provision to net charge-offs | 113.3333% | 3,063 |
| Earnings coverage of net charge-offs (x) | 14.1667% | 1,449 |
| Efficiency ratio | 74.7475% | 3,445 |
| Assets per employee ($millions) | 3.6151% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4565% | 7,631 |
| Loan loss allowance to noncurrent loans | 53.7182% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 0.8048% | 5,546 |
| Noncurrent loans to loans | 0.8498% | 5,612 |
| Net loans and leases to total assets | 77.0113% | 1,327 |
| Net loans and leases to deposits | 95.9524% | 1,116 |
| Net loans and leases to core deposits | 98.1769% | 2,323 |
| Total domestic deposits to total assets | 80.2599% | 5,700 |
| Equity capital to assets | 13.9421% | 1,162 |
| Core capital (leverage) ratio | 14.0051% | 964 |
| Tier 1 risk-based capital ratio | 21.6478% | 1,246 |
| Total risk-based capital ratio | 22.1938% | 1,323 |
| Memoranda: | ||
| Average total assets | $155,391,000 | 3,919 |
| Average earning assets | $136,380,000 | 4,028 |
| Average equity | $21,542,000 | 2,997 |
| Average total loans | $119,374,500 | 3,470 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3750% | 4,812 |
| Cost of funding earning assets | 1.4230% | 5,832 |
| Net interest margin | 3.9520% | 3,069 |
| Noninterest income to average assets | 0.5038% | 4,378 |
| Noninterest expense to average assets | 3.3472% | 2,846 |
| Loan and lease loss provision to assets | 0.0269% | 7,244 |
| Net operating income to assets | 0.4673% | 3,867 |
| Return on assets (ROA) | 0.4904% | 3,871 |
| Pretax return on assets | 0.6775% | 3,657 |
| Return on Equity (ROE) | 3.6547% | 4,228 |
| Retained earnings to average equity (ytd only) | 3.6547% | 2,628 |
| Net charge-offs to loans | 0.0802% | 6,306 |
| Credit loss provision to net charge-offs | 44.6809% | 6,794 |
| Earnings coverage of net charge-offs (x) | 11.1596% | 1,621 |
| Efficiency ratio | 83.2722% | 2,443 |
| Assets per employee ($millions) | 3.5303% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4600% | 7,701 |
| Loan loss allowance to noncurrent loans | 69.0748% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 5,824 |
| Noncurrent loans to loans | 0.6659% | 5,910 |
| Net loans and leases to total assets | 75.9283% | 1,813 |
| Net loans and leases to deposits | 94.2126% | 1,567 |
| Net loans and leases to core deposits | 107.7185% | 3,131 |
| Total domestic deposits to total assets | 80.5925% | 5,477 |
| Equity capital to assets | 13.7840% | 1,225 |
| Core capital (leverage) ratio | 13.8469% | 1,010 |
| Tier 1 risk-based capital ratio | 21.7176% | 1,186 |
| Total risk-based capital ratio | 22.2680% | 1,260 |
| Memoranda: | ||
| Average total assets | $156,009,800 | 3,860 |
| Average earning assets | $138,790,600 | 3,929 |
| Average equity | $20,932,200 | 3,081 |
| Average total loans | $117,200,800 | 3,547 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3759% | 5,062 |
| Cost of funding earning assets | 1.4853% | 5,882 |
| Net interest margin | 3.8906% | 3,263 |
| Noninterest income to average assets | 0.4883% | 4,597 |
| Noninterest expense to average assets | 3.2560% | 3,096 |
| Loan and lease loss provision to assets | 0.0359% | 6,999 |
| Net operating income to assets | 0.4364% | 4,250 |
| Return on assets (ROA) | 0.4525% | 4,290 |
| Pretax return on assets | 0.6941% | 3,877 |
| Return on Equity (ROE) | 3.3953% | 4,624 |
| Retained earnings to average equity (ytd only) | 3.3953% | 3,401 |
| Net charge-offs to loans | 0.1072% | 5,596 |
| Credit loss provision to net charge-offs | 44.6809% | 6,378 |
| Earnings coverage of net charge-offs (x) | 8.7873% | 2,198 |
| Efficiency ratio | 82.1983% | 2,556 |
| Assets per employee ($millions) | 3.6089% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4277% | 7,795 |
| Loan loss allowance to noncurrent loans | 43.9024% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 0.7230% | 5,684 |
| Noncurrent loans to loans | 0.9742% | 5,352 |
| Net loans and leases to total assets | 73.8926% | 2,558 |
| Net loans and leases to deposits | 93.1755% | 2,031 |
| Net loans and leases to core deposits | 105.0232% | 3,817 |
| Total domestic deposits to total assets | 79.3047% | 5,692 |
| Equity capital to assets | 13.3100% | 1,568 |
| Core capital (leverage) ratio | 13.3987% | 1,265 |
| Tier 1 risk-based capital ratio | 21.4558% | 1,295 |
| Total risk-based capital ratio | 21.9642% | 1,376 |
| Memoranda: | ||
| Average total assets | $156,179,250 | 3,872 |
| Average earning assets | $139,408,000 | 3,939 |
| Average equity | $20,812,500 | 3,125 |
| Average total loans | $116,879,500 | 3,573 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4698% | 4,785 |
| Cost of funding earning assets | 1.5523% | 5,917 |
| Net interest margin | 3.9175% | 3,025 |
| Noninterest income to average assets | 0.4237% | 5,088 |
| Noninterest expense to average assets | 3.2645% | 3,102 |
| Loan and lease loss provision to assets | 0.0309% | 6,933 |
| Net operating income to assets | 0.4129% | 4,457 |
| Return on assets (ROA) | 0.4288% | 4,498 |
| Pretax return on assets | 0.6593% | 4,133 |
| Return on Equity (ROE) | 3.2166% | 4,817 |
| Retained earnings to average equity (ytd only) | 3.2166% | 3,530 |
| Net charge-offs to loans | 0.0978% | 5,191 |
| Credit loss provision to net charge-offs | 42.1053% | 5,872 |
| Earnings coverage of net charge-offs (x) | 9.0702% | 2,179 |
| Efficiency ratio | 83.0603% | 2,597 |
| Assets per employee ($millions) | 3.5427% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4518% | 7,839 |
| Loan loss allowance to noncurrent loans | 64.7713% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5311% | 6,106 |
| Noncurrent loans to loans | 0.6975% | 5,853 |
| Net loans and leases to total assets | 75.7999% | 2,227 |
| Net loans and leases to deposits | 95.9938% | 1,800 |
| Net loans and leases to core deposits | 108.6798% | 3,532 |
| Total domestic deposits to total assets | 78.9633% | 5,825 |
| Equity capital to assets | 13.7271% | 1,413 |
| Core capital (leverage) ratio | 13.8349% | 1,182 |
| Tier 1 risk-based capital ratio | 21.8774% | 1,272 |
| Total risk-based capital ratio | 22.4214% | 1,334 |
| Memoranda: | ||
| Average total assets | $155,309,000 | 3,918 |
| Average earning assets | $139,018,000 | 3,968 |
| Average equity | $20,705,000 | 3,145 |
| Average total loans | $116,560,000 | 3,613 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4092% | 5,376 |
| Cost of funding earning assets | 1.6296% | 5,903 |
| Net interest margin | 3.7797% | 3,538 |
| Noninterest income to average assets | 0.3878% | 5,317 |
| Noninterest expense to average assets | 3.1098% | 3,342 |
| Loan and lease loss provision to assets | 0.0026% | 6,738 |
| Net operating income to assets | 0.4406% | 4,693 |
| Return on assets (ROA) | 0.4439% | 4,848 |
| Pretax return on assets | 0.6888% | 4,471 |
| Return on Equity (ROE) | 3.3783% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.3783% | 4,002 |
| Net charge-offs to loans | 0.1267% | 3,951 |
| Credit loss provision to net charge-offs | 2.7027% | 5,238 |
| Earnings coverage of net charge-offs (x) | 7.2703% | 2,369 |
| Efficiency ratio | 81.9220% | 2,543 |
| Assets per employee ($millions) | 3.8011% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4247% | 7,919 |
| Loan loss allowance to noncurrent loans | 65.1495% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 5,926 |
| Noncurrent loans to loans | 0.6518% | 5,779 |
| Net loans and leases to total assets | 73.5864% | 2,871 |
| Net loans and leases to deposits | 96.3953% | 1,887 |
| Net loans and leases to core deposits | 109.3308% | 3,523 |
| Total domestic deposits to total assets | 76.3381% | 6,444 |
| Equity capital to assets | 13.0057% | 1,741 |
| Core capital (leverage) ratio | 13.1040% | 1,448 |
| Tier 1 risk-based capital ratio | 21.8186% | 1,322 |
| Total risk-based capital ratio | 22.3413% | 1,408 |
| Memoranda: | ||
| Average total assets | $156,796,500 | 3,884 |
| Average earning assets | $141,388,000 | 3,926 |
| Average equity | $20,602,000 | 3,165 |
| Average total loans | $116,843,500 | 3,629 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9611% | 5,749 |
| Cost of funding earning assets | 2.0294% | 6,320 |
| Net interest margin | 3.9318% | 3,439 |
| Noninterest income to average assets | 0.3205% | 6,166 |
| Noninterest expense to average assets | 3.4079% | 2,649 |
| Loan and lease loss provision to assets | 0.0324% | 7,002 |
| Net operating income to assets | 0.2165% | 5,801 |
| Return on assets (ROA) | 0.1516% | 5,805 |
| Pretax return on assets | 0.3233% | 5,461 |
| Return on Equity (ROE) | 1.0688% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.0688% | 4,581 |
| Net charge-offs to loans | 0.0072% | 6,853 |
| Credit loss provision to net charge-offs | 587.5000% | 741 |
| Earnings coverage of net charge-offs (x) | 82.8750% | 505 |
| Efficiency ratio | 88.1755% | 1,663 |
| Assets per employee ($millions) | 3.6654% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4313% | 7,945 |
| Loan loss allowance to noncurrent loans | 75.1506% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 5,591 |
| Noncurrent loans to loans | 0.5739% | 5,650 |
| Net loans and leases to total assets | 74.8370% | 2,914 |
| Net loans and leases to deposits | 98.9590% | 1,987 |
| Net loans and leases to core deposits | 112.1200% | 3,545 |
| Total domestic deposits to total assets | 75.6242% | 6,320 |
| Equity capital to assets | 13.2779% | 1,677 |
| Core capital (leverage) ratio | 13.4727% | 1,397 |
| Tier 1 risk-based capital ratio | 22.4712% | 1,254 |
| Total risk-based capital ratio | 23.0118% | 1,306 |
| Memoranda: | ||
| Average total assets | $145,074,200 | 3,991 |
| Average earning assets | $130,780,200 | 4,029 |
| Average equity | $20,583,800 | 3,145 |
| Average total loans | $110,861,400 | 3,659 |