Home > Raritan State Bank > Performance and Condition Ratios
Raritan State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 3,267 |
| Cost of funding earning assets | 1.4531% | 2,068 |
| Net interest margin | 2.9529% | 3,388 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.8361% | 3,941 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8642% | 2,653 |
| Return on assets (ROA) | 0.8642% | 2,631 |
| Pretax return on assets | 1.1599% | 2,240 |
| Return on Equity (ROE) | 9.7600% | 2,562 |
| Retained earnings to average equity (ytd only) | 7.3995% | 1,755 |
| Net charge-offs to loans | 0.0341% | 1,621 |
| Credit loss provision to net charge-offs | 150.9434% | 1,470 |
| Earnings coverage of net charge-offs (x) | 54.4906% | 1,241 |
| Efficiency ratio | 60.6164% | 3,011 |
| Assets per employee ($millions) | 7.4884% | 1,736 |
| Cash dividends to net income (ytd only)* | 24.1874% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 3,281 |
| Loan loss allowance to noncurrent loans | 254.1085% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 1,947 |
| Noncurrent loans to loans | 0.3955% | 1,798 |
| Net loans and leases to total assets | 63.4200% | 2,518 |
| Net loans and leases to deposits | 69.8117% | 2,898 |
| Net loans and leases to core deposits | 78.1452% | 2,828 |
| Total domestic deposits to total assets | 90.8400% | 548 |
| Equity capital to assets | 9.0387% | 2,652 |
| Core capital (leverage) ratio | 10.1679% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $242,087,400 | 2,725 |
| Average earning assets | $229,095,000 | 2,691 |
| Average equity | $21,434,000 | 2,737 |
| Average total loans | $155,303,200 | 2,634 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 3,323 |
| Cost of funding earning assets | 1.3002% | 2,147 |
| Net interest margin | 2.9837% | 3,366 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.8357% | 3,912 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9201% | 2,618 |
| Return on assets (ROA) | 0.9201% | 2,604 |
| Pretax return on assets | 1.2387% | 2,202 |
| Return on Equity (ROE) | 10.4500% | 2,518 |
| Retained earnings to average equity (ytd only) | 9.9050% | 1,429 |
| Net charge-offs to loans | 0.0174% | 1,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 111.0000% | 876 |
| Efficiency ratio | 59.7096% | 2,999 |
| Assets per employee ($millions) | 7.3118% | 1,749 |
| Cash dividends to net income (ytd only)* | 5.2153% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 3,387 |
| Loan loss allowance to noncurrent loans | 152.1989% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.4559% | 1,279 |
| Noncurrent loans to loans | 0.6554% | 1,254 |
| Net loans and leases to total assets | 65.4900% | 2,294 |
| Net loans and leases to deposits | 73.7246% | 2,592 |
| Net loans and leases to core deposits | 80.5257% | 2,560 |
| Total domestic deposits to total assets | 88.8300% | 1,310 |
| Equity capital to assets | 8.8760% | 2,487 |
| Core capital (leverage) ratio | 10.7387% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $238,958,250 | 2,755 |
| Average earning assets | $227,142,000 | 2,705 |
| Average equity | $21,039,250 | 2,759 |
| Average total loans | $153,352,750 | 2,655 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1398% | 3,414 |
| Cost of funding earning assets | 1.1568% | 2,117 |
| Net interest margin | 2.9830% | 3,476 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.8457% | 3,919 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9035% | 2,743 |
| Return on assets (ROA) | 0.9035% | 2,731 |
| Pretax return on assets | 1.2159% | 2,319 |
| Return on Equity (ROE) | 10.2900% | 2,629 |
| Retained earnings to average equity (ytd only) | 9.4676% | 1,559 |
| Net charge-offs to loans | 0.0383% | 1,142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 49.9310% | 1,287 |
| Efficiency ratio | 60.2852% | 2,930 |
| Assets per employee ($millions) | 7.2251% | 1,769 |
| Cash dividends to net income (ytd only)* | 7.9926% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 3,244 |
| Loan loss allowance to noncurrent loans | 198.9950% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 1,533 |
| Noncurrent loans to loans | 0.5227% | 1,418 |
| Net loans and leases to total assets | 63.2100% | 2,462 |
| Net loans and leases to deposits | 69.5459% | 2,820 |
| Net loans and leases to core deposits | 75.4895% | 2,794 |
| Total domestic deposits to total assets | 90.8800% | 685 |
| Equity capital to assets | 8.9893% | 2,517 |
| Core capital (leverage) ratio | 10.5053% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $238,180,667 | 2,763 |
| Average earning assets | $226,485,000 | 2,722 |
| Average equity | $20,913,333 | 2,783 |
| Average total loans | $151,268,333 | 2,661 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 3,604 |
| Cost of funding earning assets | 0.9235% | 2,301 |
| Net interest margin | 3.0108% | 3,574 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.9071% | 3,841 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8334% | 3,081 |
| Return on assets (ROA) | 0.8334% | 3,036 |
| Pretax return on assets | 1.1611% | 2,535 |
| Return on Equity (ROE) | 9.6100% | 2,893 |
| Retained earnings to average equity (ytd only) | 9.4899% | 1,816 |
| Net charge-offs to loans | 0.0929% | 620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 19.7429% | 1,458 |
| Efficiency ratio | 62.1577% | 2,674 |
| Assets per employee ($millions) | 7.1357% | 1,868 |
| Cash dividends to net income (ytd only)* | 1.2097% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,217 |
| Loan loss allowance to noncurrent loans | 170.5946% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 1,165 |
| Noncurrent loans to loans | 0.6257% | 1,198 |
| Net loans and leases to total assets | 62.1100% | 2,454 |
| Net loans and leases to deposits | 68.3621% | 2,743 |
| Net loans and leases to core deposits | 73.5805% | 2,707 |
| Total domestic deposits to total assets | 90.8500% | 845 |
| Equity capital to assets | 9.0064% | 2,513 |
| Core capital (leverage) ratio | 10.4093% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $238,057,500 | 2,806 |
| Average earning assets | $226,517,500 | 2,765 |
| Average equity | $20,653,500 | 2,832 |
| Average total loans | $150,761,000 | 2,692 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4979% | 3,077 |
| Cost of funding earning assets | 0.5039% | 1,363 |
| Net interest margin | 2.9940% | 3,469 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.7969% | 4,035 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9074% | 2,929 |
| Return on assets (ROA) | 0.9074% | 2,870 |
| Pretax return on assets | 1.2243% | 2,361 |
| Return on Equity (ROE) | 10.3500% | 2,696 |
| Retained earnings to average equity (ytd only) | 7.8417% | 1,906 |
| Net charge-offs to loans | 0.0579% | 1,069 |
| Credit loss provision to net charge-offs | 94.1176% | 1,607 |
| Earnings coverage of net charge-offs (x) | 34.9765% | 1,587 |
| Efficiency ratio | 58.8170% | 3,216 |
| Assets per employee ($millions) | 7.0776% | 1,910 |
| Cash dividends to net income (ytd only)* | 24.2537% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,129 |
| Loan loss allowance to noncurrent loans | 146.0145% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 967 |
| Noncurrent loans to loans | 0.7183% | 1,048 |
| Net loans and leases to total assets | 63.2000% | 2,308 |
| Net loans and leases to deposits | 73.0569% | 2,323 |
| Net loans and leases to core deposits | 77.7882% | 2,296 |
| Total domestic deposits to total assets | 86.5000% | 2,571 |
| Equity capital to assets | 8.3524% | 2,812 |
| Core capital (leverage) ratio | 10.1701% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $236,289,800 | 2,812 |
| Average earning assets | $225,046,600 | 2,770 |
| Average equity | $20,709,800 | 2,883 |
| Average total loans | $146,813,000 | 2,659 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3673% | 2,996 |
| Cost of funding earning assets | 0.4094% | 1,224 |
| Net interest margin | 2.9579% | 3,334 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.7369% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9472% | 2,679 |
| Return on assets (ROA) | 0.9472% | 2,645 |
| Pretax return on assets | 1.2783% | 2,116 |
| Return on Equity (ROE) | 10.6800% | 2,511 |
| Retained earnings to average equity (ytd only) | 10.2957% | 1,256 |
| Net charge-offs to loans | 0.0092% | 1,784 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 225.5000% | 582 |
| Efficiency ratio | 57.6048% | 3,432 |
| Assets per employee ($millions) | 6.8987% | 2,022 |
| Cash dividends to net income (ytd only)* | 3.5907% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 3,133 |
| Loan loss allowance to noncurrent loans | 95.2607% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.7666% | 656 |
| Noncurrent loans to loans | 1.1262% | 656 |
| Net loans and leases to total assets | 63.2200% | 2,167 |
| Net loans and leases to deposits | 70.8628% | 2,299 |
| Net loans and leases to core deposits | 74.4720% | 2,316 |
| Total domestic deposits to total assets | 89.2100% | 1,995 |
| Equity capital to assets | 8.2125% | 2,746 |
| Core capital (leverage) ratio | 10.1572% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $235,203,000 | 2,835 |
| Average earning assets | $224,068,750 | 2,799 |
| Average equity | $20,862,500 | 2,916 |
| Average total loans | $145,094,250 | 2,684 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1976% | 3,056 |
| Cost of funding earning assets | 0.3657% | 1,145 |
| Net interest margin | 2.8319% | 3,344 |
| Noninterest income to average assets | 0.2141% | 3,922 |
| Noninterest expense to average assets | 1.7067% | 4,135 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8903% | 2,622 |
| Return on assets (ROA) | 0.8903% | 2,596 |
| Pretax return on assets | 1.1979% | 2,083 |
| Return on Equity (ROE) | 9.7964% | 2,405 |
| Retained earnings to average equity (ytd only) | 9.2355% | 1,214 |
| Net charge-offs to loans | -0.0014% | 3,072 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7599% | 3,461 |
| Assets per employee ($millions) | 7.0540% | 1,902 |
| Cash dividends to net income (ytd only)* | 5.7252% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 3,123 |
| Loan loss allowance to noncurrent loans | 53.2566% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.3134% | 302 |
| Noncurrent loans to loans | 2.0867% | 307 |
| Net loans and leases to total assets | 60.0679% | 2,320 |
| Net loans and leases to deposits | 65.7465% | 2,569 |
| Net loans and leases to core deposits | 68.5511% | 2,603 |
| Total domestic deposits to total assets | 91.3629% | 1,079 |
| Equity capital to assets | 8.4820% | 2,780 |
| Core capital (leverage) ratio | 9.8885% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,418,333 | 2,857 |
| Average earning assets | $223,669,333 | 2,830 |
| Average equity | $21,395,667 | 2,948 |
| Average total loans | $143,496,667 | 2,713 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2168% | 2,633 |
| Cost of funding earning assets | 0.3412% | 1,278 |
| Net interest margin | 2.8756% | 2,910 |
| Noninterest income to average assets | 0.1904% | 4,025 |
| Noninterest expense to average assets | 1.7135% | 4,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8988% | 2,271 |
| Return on assets (ROA) | 0.8988% | 2,272 |
| Pretax return on assets | 1.2092% | 1,780 |
| Return on Equity (ROE) | 9.5612% | 2,135 |
| Retained earnings to average equity (ytd only) | 9.5612% | 1,129 |
| Net charge-offs to loans | -0.0140% | 3,737 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6268% | 3,620 |
| Assets per employee ($millions) | 7.0135% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 3,070 |
| Loan loss allowance to noncurrent loans | 107.7689% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 890 |
| Noncurrent loans to loans | 1.0731% | 837 |
| Net loans and leases to total assets | 58.1716% | 2,281 |
| Net loans and leases to deposits | 63.8332% | 2,544 |
| Net loans and leases to core deposits | 67.4639% | 2,497 |
| Total domestic deposits to total assets | 91.1306% | 966 |
| Equity capital to assets | 8.7784% | 2,903 |
| Core capital (leverage) ratio | 9.7514% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,209,000 | 2,881 |
| Average earning assets | $221,585,000 | 2,855 |
| Average equity | $21,922,000 | 2,996 |
| Average total loans | $142,403,000 | 2,725 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1838% | 3,506 |
| Cost of funding earning assets | 0.4466% | 1,230 |
| Net interest margin | 2.7372% | 3,803 |
| Noninterest income to average assets | 0.4763% | 2,694 |
| Noninterest expense to average assets | 1.7859% | 4,170 |
| Loan and lease loss provision to assets | 0.0948% | 1,320 |
| Net operating income to assets | 0.8878% | 3,085 |
| Return on assets (ROA) | 0.8878% | 3,147 |
| Pretax return on assets | 1.1942% | 2,681 |
| Return on Equity (ROE) | 8.6149% | 3,044 |
| Retained earnings to average equity (ytd only) | 3.1292% | 3,577 |
| Net charge-offs to loans | 0.0057% | 2,379 |
| Credit loss provision to net charge-offs | 2,650.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 360.2500% | 353 |
| Efficiency ratio | 58.0800% | 3,432 |
| Assets per employee ($millions) | 6.7046% | 2,154 |
| Cash dividends to net income (ytd only)* | 63.6776% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 3,276 |
| Loan loss allowance to noncurrent loans | 109.3243% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 941 |
| Noncurrent loans to loans | 1.0245% | 960 |
| Net loans and leases to total assets | 62.6646% | 1,860 |
| Net loans and leases to deposits | 69.8296% | 2,150 |
| Net loans and leases to core deposits | 73.9200% | 2,082 |
| Total domestic deposits to total assets | 89.7393% | 1,089 |
| Equity capital to assets | 10.0505% | 2,612 |
| Core capital (leverage) ratio | 9.9698% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,580,800 | 2,882 |
| Average earning assets | $212,260,000 | 2,857 |
| Average equity | $23,041,400 | 2,978 |
| Average total loans | $141,418,600 | 2,712 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1085% | 3,789 |
| Cost of funding earning assets | 0.4720% | 1,201 |
| Net interest margin | 2.6365% | 4,081 |
| Noninterest income to average assets | 0.6131% | 2,158 |
| Noninterest expense to average assets | 1.7744% | 4,211 |
| Loan and lease loss provision to assets | 0.0328% | 2,341 |
| Net operating income to assets | 0.9642% | 3,036 |
| Return on assets (ROA) | 0.9642% | 3,121 |
| Pretax return on assets | 1.3094% | 2,602 |
| Return on Equity (ROE) | 9.2974% | 3,003 |
| Retained earnings to average equity (ytd only) | 4.6516% | 3,355 |
| Net charge-offs to loans | 0.0199% | 1,655 |
| Credit loss provision to net charge-offs | 261.9048% | 1,070 |
| Earnings coverage of net charge-offs (x) | 106.6667% | 842 |
| Efficiency ratio | 56.9314% | 3,424 |
| Assets per employee ($millions) | 6.8094% | 2,011 |
| Cash dividends to net income (ytd only)* | 49.9689% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 3,715 |
| Loan loss allowance to noncurrent loans | 50.4530% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.3600% | 401 |
| Noncurrent loans to loans | 2.0583% | 419 |
| Net loans and leases to total assets | 61.4074% | 2,089 |
| Net loans and leases to deposits | 68.7496% | 2,362 |
| Net loans and leases to core deposits | 72.8523% | 2,333 |
| Total domestic deposits to total assets | 89.3204% | 1,109 |
| Equity capital to assets | 10.4041% | 2,528 |
| Core capital (leverage) ratio | 10.0246% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,486,500 | 2,922 |
| Average earning assets | $211,284,750 | 2,891 |
| Average equity | $23,074,000 | 3,011 |
| Average total loans | $140,656,500 | 2,759 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0887% | 3,894 |
| Cost of funding earning assets | 0.4983% | 1,214 |
| Net interest margin | 2.5904% | 4,185 |
| Noninterest income to average assets | 0.8352% | 1,438 |
| Noninterest expense to average assets | 1.7317% | 4,316 |
| Loan and lease loss provision to assets | 0.0135% | 2,683 |
| Net operating income to assets | 1.1355% | 2,414 |
| Return on assets (ROA) | 1.1355% | 2,477 |
| Pretax return on assets | 1.5423% | 1,898 |
| Return on Equity (ROE) | 10.9610% | 2,435 |
| Retained earnings to average equity (ytd only) | 4.8319% | 3,252 |
| Net charge-offs to loans | 0.1049% | 721 |
| Credit loss provision to net charge-offs | 20.2703% | 1,732 |
| Earnings coverage of net charge-offs (x) | 23.3108% | 1,467 |
| Efficiency ratio | 52.6749% | 3,965 |
| Assets per employee ($millions) | 7.4524% | 1,504 |
| Cash dividends to net income (ytd only)* | 55.9174% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9662% | 3,943 |
| Loan loss allowance to noncurrent loans | 53.9626% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.1133% | 650 |
| Noncurrent loans to loans | 1.7905% | 582 |
| Net loans and leases to total assets | 60.1178% | 2,412 |
| Net loans and leases to deposits | 67.0833% | 2,708 |
| Net loans and leases to core deposits | 71.8823% | 2,616 |
| Total domestic deposits to total assets | 89.6166% | 970 |
| Equity capital to assets | 10.0250% | 2,827 |
| Core capital (leverage) ratio | 10.0028% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,745,667 | 2,928 |
| Average earning assets | $209,926,333 | 2,906 |
| Average equity | $22,972,333 | 3,011 |
| Average total loans | $141,063,333 | 2,768 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1827% | 3,720 |
| Cost of funding earning assets | 0.5412% | 1,157 |
| Net interest margin | 2.6415% | 4,072 |
| Noninterest income to average assets | 0.9507% | 1,216 |
| Noninterest expense to average assets | 1.7669% | 4,267 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2307% | 2,043 |
| Return on assets (ROA) | 1.2307% | 2,126 |
| Pretax return on assets | 1.6748% | 1,549 |
| Return on Equity (ROE) | 11.6791% | 2,136 |
| Retained earnings to average equity (ytd only) | 4.2660% | 3,430 |
| Net charge-offs to loans | 0.0905% | 739 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 28.4063% | 1,115 |
| Efficiency ratio | 51.3383% | 4,057 |
| Assets per employee ($millions) | 7.3012% | 1,584 |
| Cash dividends to net income (ytd only)* | 63.4731% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 3,881 |
| Loan loss allowance to noncurrent loans | 64.9131% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.9808% | 845 |
| Noncurrent loans to loans | 1.5234% | 817 |
| Net loans and leases to total assets | 61.1338% | 2,387 |
| Net loans and leases to deposits | 68.3712% | 2,660 |
| Net loans and leases to core deposits | 72.9310% | 2,619 |
| Total domestic deposits to total assets | 89.4145% | 1,118 |
| Equity capital to assets | 10.1061% | 2,609 |
| Core capital (leverage) ratio | 10.1003% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,107,000 | 2,951 |
| Average earning assets | $204,732,000 | 2,931 |
| Average equity | $22,878,500 | 3,006 |
| Average total loans | $141,474,500 | 2,765 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1498% | 2,280 |
| Cost of funding earning assets | 0.8761% | 923 |
| Net interest margin | 3.2737% | 3,149 |
| Noninterest income to average assets | 0.1981% | 4,290 |
| Noninterest expense to average assets | 1.9089% | 4,309 |
| Loan and lease loss provision to assets | 0.3096% | 1,205 |
| Net operating income to assets | 0.8060% | 3,069 |
| Return on assets (ROA) | 0.8060% | 3,185 |
| Pretax return on assets | 1.0814% | 2,761 |
| Return on Equity (ROE) | 7.1224% | 3,164 |
| Retained earnings to average equity (ytd only) | 4.3955% | 2,594 |
| Net charge-offs to loans | 0.4219% | 400 |
| Credit loss provision to net charge-offs | 101.3400% | 2,801 |
| Earnings coverage of net charge-offs (x) | 4.5528% | 2,966 |
| Efficiency ratio | 57.8474% | 3,746 |
| Assets per employee ($millions) | 6.7057% | 1,779 |
| Cash dividends to net income (ytd only)* | 38.2857% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 3,920 |
| Loan loss allowance to noncurrent loans | 57.5733% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.2685% | 644 |
| Noncurrent loans to loans | 1.7151% | 738 |
| Net loans and leases to total assets | 68.2060% | 1,802 |
| Net loans and leases to deposits | 77.0076% | 2,172 |
| Net loans and leases to core deposits | 81.6244% | 2,217 |
| Total domestic deposits to total assets | 88.5706% | 1,182 |
| Equity capital to assets | 11.0080% | 2,246 |
| Core capital (leverage) ratio | 11.1243% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,402,600 | 2,977 |
| Average earning assets | $185,141,600 | 2,947 |
| Average equity | $22,113,400 | 2,996 |
| Average total loans | $141,502,200 | 2,739 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 2,418 |
| Cost of funding earning assets | 0.9525% | 899 |
| Net interest margin | 3.2396% | 3,369 |
| Noninterest income to average assets | 0.1955% | 4,303 |
| Noninterest expense to average assets | 1.9436% | 4,263 |
| Loan and lease loss provision to assets | 0.3469% | 1,099 |
| Net operating income to assets | 0.7336% | 3,342 |
| Return on assets (ROA) | 0.7336% | 3,442 |
| Pretax return on assets | 0.9805% | 3,129 |
| Return on Equity (ROE) | 6.4351% | 3,396 |
| Retained earnings to average equity (ytd only) | 4.5861% | 2,753 |
| Net charge-offs to loans | 0.4300% | 369 |
| Credit loss provision to net charge-offs | 109.8901% | 2,552 |
| Earnings coverage of net charge-offs (x) | 4.2066% | 2,844 |
| Efficiency ratio | 59.4234% | 3,463 |
| Assets per employee ($millions) | 6.6354% | 1,724 |
| Cash dividends to net income (ytd only)* | 28.7335% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 3,596 |
| Loan loss allowance to noncurrent loans | 37.4935% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 2.0531% | 311 |
| Noncurrent loans to loans | 2.7293% | 364 |
| Net loans and leases to total assets | 70.5027% | 1,875 |
| Net loans and leases to deposits | 79.9348% | 2,320 |
| Net loans and leases to core deposits | 84.6946% | 2,412 |
| Total domestic deposits to total assets | 88.2002% | 1,113 |
| Equity capital to assets | 11.3849% | 2,093 |
| Core capital (leverage) ratio | 11.1762% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,284,250 | 2,990 |
| Average earning assets | $182,527,500 | 2,955 |
| Average equity | $21,921,000 | 3,006 |
| Average total loans | $141,078,250 | 2,744 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 2,390 |
| Cost of funding earning assets | 1.0510% | 834 |
| Net interest margin | 3.2805% | 3,434 |
| Noninterest income to average assets | 0.1852% | 4,353 |
| Noninterest expense to average assets | 1.9450% | 4,340 |
| Loan and lease loss provision to assets | 0.2315% | 1,817 |
| Net operating income to assets | 0.8357% | 2,915 |
| Return on assets (ROA) | 0.8357% | 3,035 |
| Pretax return on assets | 1.1230% | 2,641 |
| Return on Equity (ROE) | 7.3269% | 2,999 |
| Retained earnings to average equity (ytd only) | 4.9461% | 2,504 |
| Net charge-offs to loans | 0.4360% | 366 |
| Credit loss provision to net charge-offs | 71.6612% | 2,541 |
| Earnings coverage of net charge-offs (x) | 4.1922% | 2,617 |
| Efficiency ratio | 58.9474% | 3,563 |
| Assets per employee ($millions) | 6.3490% | 1,906 |
| Cash dividends to net income (ytd only)* | 32.4937% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 3,838 |
| Loan loss allowance to noncurrent loans | 37.7288% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.8743% | 409 |
| Noncurrent loans to loans | 2.4915% | 472 |
| Net loans and leases to total assets | 70.6236% | 1,933 |
| Net loans and leases to deposits | 80.3074% | 2,388 |
| Net loans and leases to core deposits | 84.9540% | 2,523 |
| Total domestic deposits to total assets | 87.9417% | 1,209 |
| Equity capital to assets | 11.3948% | 2,046 |
| Core capital (leverage) ratio | 11.2055% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1276% | 1,031 |
| Memoranda: | ||
| Average total assets | $190,025,000 | 2,985 |
| Average earning assets | $180,400,333 | 2,950 |
| Average equity | $21,673,667 | 3,014 |
| Average total loans | $140,839,333 | 2,741 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5453% | 2,172 |
| Cost of funding earning assets | 1.2343% | 685 |
| Net interest margin | 3.3110% | 3,564 |
| Noninterest income to average assets | 0.1715% | 4,509 |
| Noninterest expense to average assets | 2.0297% | 4,345 |
| Loan and lease loss provision to assets | 0.1286% | 2,106 |
| Net operating income to assets | 0.8659% | 2,632 |
| Return on assets (ROA) | 0.8659% | 2,736 |
| Pretax return on assets | 1.1638% | 2,326 |
| Return on Equity (ROE) | 7.5879% | 2,694 |
| Retained earnings to average equity (ytd only) | 4.1884% | 2,606 |
| Net charge-offs to loans | 0.1389% | 904 |
| Credit loss provision to net charge-offs | 122.4490% | 1,699 |
| Earnings coverage of net charge-offs (x) | 12.3061% | 1,698 |
| Efficiency ratio | 61.0968% | 3,602 |
| Assets per employee ($millions) | 6.1042% | 1,592 |
| Cash dividends to net income (ytd only)* | 44.8020% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 3,749 |
| Loan loss allowance to noncurrent loans | 25.5040% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 3.0291% | 193 |
| Noncurrent loans to loans | 3.8924% | 204 |
| Net loans and leases to total assets | 74.6837% | 1,508 |
| Net loans and leases to deposits | 84.7170% | 2,138 |
| Net loans and leases to core deposits | 89.2180% | 2,423 |
| Total domestic deposits to total assets | 88.1567% | 1,038 |
| Equity capital to assets | 11.2863% | 2,602 |
| Core capital (leverage) ratio | 11.1554% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4815% | 1,072 |
| Memoranda: | ||
| Average total assets | $186,628,500 | 2,989 |
| Average earning assets | $177,589,000 | 2,942 |
| Average equity | $21,297,000 | 3,050 |
| Average total loans | $141,099,500 | 2,718 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 2,534 |
| Cost of funding earning assets | 1.2167% | 990 |
| Net interest margin | 3.4087% | 3,722 |
| Noninterest income to average assets | 0.2109% | 4,406 |
| Noninterest expense to average assets | 2.2173% | 4,130 |
| Loan and lease loss provision to assets | 0.1348% | 1,580 |
| Net operating income to assets | 0.8066% | 3,533 |
| Return on assets (ROA) | 0.8066% | 3,622 |
| Pretax return on assets | 1.0885% | 3,199 |
| Return on Equity (ROE) | 6.9532% | 3,560 |
| Retained earnings to average equity (ytd only) | 3.7948% | 3,079 |
| Net charge-offs to loans | 0.1250% | 1,515 |
| Credit loss provision to net charge-offs | 142.6036% | 1,806 |
| Earnings coverage of net charge-offs (x) | 12.9408% | 2,385 |
| Efficiency ratio | 64.4448% | 3,011 |
| Assets per employee ($millions) | 5.9364% | 1,679 |
| Cash dividends to net income (ytd only)* | 45.4230% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 3,448 |
| Loan loss allowance to noncurrent loans | 30.7793% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 2.5806% | 248 |
| Noncurrent loans to loans | 3.2755% | 261 |
| Net loans and leases to total assets | 75.0173% | 1,584 |
| Net loans and leases to deposits | 85.3110% | 2,177 |
| Net loans and leases to core deposits | 88.7868% | 2,533 |
| Total domestic deposits to total assets | 87.9338% | 1,155 |
| Equity capital to assets | 11.5402% | 2,500 |
| Core capital (leverage) ratio | 11.6756% | 1,981 |
| Tier 1 risk-based capital ratio | 16.4667% | 2,227 |
| Total risk-based capital ratio | 17.5638% | 2,235 |
| Memoranda: | ||
| Average total assets | $178,774,400 | 3,033 |
| Average earning assets | $169,388,400 | 2,997 |
| Average equity | $20,738,800 | 3,061 |
| Average total loans | $135,245,200 | 2,775 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 2,629 |
| Cost of funding earning assets | 1.1932% | 1,052 |
| Net interest margin | 3.4383% | 3,763 |
| Noninterest income to average assets | 0.1946% | 4,553 |
| Noninterest expense to average assets | 2.2284% | 4,128 |
| Loan and lease loss provision to assets | 0.0864% | 2,191 |
| Net operating income to assets | 0.8407% | 3,545 |
| Return on assets (ROA) | 0.8407% | 3,629 |
| Pretax return on assets | 1.1360% | 3,182 |
| Return on Equity (ROE) | 7.2375% | 3,602 |
| Retained earnings to average equity (ytd only) | 5.3295% | 2,717 |
| Net charge-offs to loans | 0.1580% | 1,048 |
| Credit loss provision to net charge-offs | 72.3270% | 2,591 |
| Earnings coverage of net charge-offs (x) | 10.2329% | 2,510 |
| Efficiency ratio | 64.5765% | 2,927 |
| Assets per employee ($millions) | 5.6949% | 1,852 |
| Cash dividends to net income (ytd only)* | 26.3626% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 3,843 |
| Loan loss allowance to noncurrent loans | 33.6815% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 2.1467% | 384 |
| Noncurrent loans to loans | 2.8075% | 378 |
| Net loans and leases to total assets | 74.1512% | 1,785 |
| Net loans and leases to deposits | 84.5108% | 2,382 |
| Net loans and leases to core deposits | 87.9753% | 2,734 |
| Total domestic deposits to total assets | 87.7418% | 1,152 |
| Equity capital to assets | 11.6941% | 2,510 |
| Core capital (leverage) ratio | 11.8203% | 1,987 |
| Tier 1 risk-based capital ratio | 16.7745% | 2,158 |
| Total risk-based capital ratio | 17.7981% | 2,180 |
| Memoranda: | ||
| Average total assets | $177,461,250 | 3,072 |
| Average earning assets | $168,063,250 | 3,039 |
| Average equity | $20,614,250 | 3,095 |
| Average total loans | $134,192,000 | 2,813 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 2,814 |
| Cost of funding earning assets | 1.1407% | 1,160 |
| Net interest margin | 3.4174% | 3,841 |
| Noninterest income to average assets | 0.1774% | 4,680 |
| Noninterest expense to average assets | 2.2949% | 4,014 |
| Loan and lease loss provision to assets | 0.1080% | 1,739 |
| Net operating income to assets | 0.7551% | 3,809 |
| Return on assets (ROA) | 0.7551% | 3,874 |
| Pretax return on assets | 1.0178% | 3,480 |
| Return on Equity (ROE) | 6.5156% | 3,871 |
| Retained earnings to average equity (ytd only) | 4.4647% | 3,033 |
| Net charge-offs to loans | 0.0959% | 1,401 |
| Credit loss provision to net charge-offs | 148.4375% | 1,510 |
| Earnings coverage of net charge-offs (x) | 15.4688% | 1,985 |
| Efficiency ratio | 67.0878% | 2,671 |
| Assets per employee ($millions) | 5.6093% | 1,864 |
| Cash dividends to net income (ytd only)* | 31.4759% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 3,518 |
| Loan loss allowance to noncurrent loans | 29.7710% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.6485% | 264 |
| Noncurrent loans to loans | 3.4163% | 253 |
| Net loans and leases to total assets | 74.0092% | 1,890 |
| Net loans and leases to deposits | 84.2305% | 2,471 |
| Net loans and leases to core deposits | 87.2448% | 2,871 |
| Total domestic deposits to total assets | 87.8650% | 1,162 |
| Equity capital to assets | 11.6347% | 2,496 |
| Core capital (leverage) ratio | 11.7413% | 1,990 |
| Tier 1 risk-based capital ratio | 16.8692% | 2,127 |
| Total risk-based capital ratio | 17.9777% | 2,114 |
| Memoranda: | ||
| Average total assets | $175,869,330 | 3,103 |
| Average earning assets | $166,912,330 | 3,065 |
| Average equity | $20,382,000 | 3,117 |
| Average total loans | $133,449,000 | 2,831 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 3,137 |
| Cost of funding earning assets | 1.0818% | 1,248 |
| Net interest margin | 3.3419% | 4,057 |
| Noninterest income to average assets | 0.1586% | 4,786 |
| Noninterest expense to average assets | 2.2728% | 4,093 |
| Loan and lease loss provision to assets | 0.1149% | 1,533 |
| Net operating income to assets | 0.7423% | 3,795 |
| Return on assets (ROA) | 0.7423% | 3,847 |
| Pretax return on assets | 0.9583% | 3,592 |
| Return on Equity (ROE) | 6.4180% | 3,869 |
| Retained earnings to average equity (ytd only) | 4.8681% | 2,964 |
| Net charge-offs to loans | 0.1202% | 1,020 |
| Credit loss provision to net charge-offs | 125.0000% | 1,383 |
| Earnings coverage of net charge-offs (x) | 11.6750% | 1,898 |
| Efficiency ratio | 67.9258% | 2,653 |
| Assets per employee ($millions) | 5.4637% | 2,019 |
| Cash dividends to net income (ytd only)* | 24.1486% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,682 |
| Loan loss allowance to noncurrent loans | 28.1584% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 2.8724% | 223 |
| Noncurrent loans to loans | 3.5639% | 253 |
| Net loans and leases to total assets | 75.8325% | 1,519 |
| Net loans and leases to deposits | 86.2745% | 2,098 |
| Net loans and leases to core deposits | 89.5674% | 2,546 |
| Total domestic deposits to total assets | 87.8968% | 1,392 |
| Equity capital to assets | 11.6754% | 2,254 |
| Core capital (leverage) ratio | 11.6898% | 1,991 |
| Tier 1 risk-based capital ratio | 16.7767% | 2,181 |
| Total risk-based capital ratio | 17.8733% | 2,177 |
| Memoranda: | ||
| Average total assets | $174,055,000 | 3,151 |
| Average earning assets | $166,015,500 | 3,104 |
| Average equity | $20,131,000 | 3,151 |
| Average total loans | $133,068,500 | 2,871 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5522% | 2,286 |
| Cost of funding earning assets | 0.8298% | 1,397 |
| Net interest margin | 3.7224% | 2,956 |
| Noninterest income to average assets | 0.2826% | 4,204 |
| Noninterest expense to average assets | 2.2155% | 4,303 |
| Loan and lease loss provision to assets | 0.0765% | 2,600 |
| Net operating income to assets | 1.1134% | 2,538 |
| Return on assets (ROA) | 1.1045% | 2,572 |
| Pretax return on assets | 1.5055% | 1,768 |
| Return on Equity (ROE) | 9.7206% | 2,634 |
| Retained earnings to average equity (ytd only) | 6.3422% | 2,009 |
| Net charge-offs to loans | 0.1466% | 1,306 |
| Credit loss provision to net charge-offs | 68.4211% | 3,013 |
| Earnings coverage of net charge-offs (x) | 14.2421% | 2,390 |
| Efficiency ratio | 58.1697% | 4,137 |
| Assets per employee ($millions) | 5.4148% | 2,046 |
| Cash dividends to net income (ytd only)* | 34.7548% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 3,627 |
| Loan loss allowance to noncurrent loans | 36.9836% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 2.2496% | 376 |
| Noncurrent loans to loans | 2.7283% | 408 |
| Net loans and leases to total assets | 75.5315% | 1,689 |
| Net loans and leases to deposits | 85.6170% | 2,327 |
| Net loans and leases to core deposits | 88.4440% | 2,718 |
| Total domestic deposits to total assets | 88.2203% | 1,201 |
| Equity capital to assets | 11.4554% | 2,286 |
| Core capital (leverage) ratio | 11.8910% | 1,807 |
| Tier 1 risk-based capital ratio | 16.8094% | 2,132 |
| Total risk-based capital ratio | 17.9131% | 2,127 |
| Memoranda: | ||
| Average total assets | $169,848,000 | 3,171 |
| Average earning assets | $160,890,200 | 3,131 |
| Average equity | $19,299,200 | 3,156 |
| Average total loans | $129,638,200 | 2,878 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5016% | 2,298 |
| Cost of funding earning assets | 0.7587% | 1,544 |
| Net interest margin | 3.7429% | 2,857 |
| Noninterest income to average assets | 0.2777% | 4,294 |
| Noninterest expense to average assets | 2.2296% | 4,253 |
| Loan and lease loss provision to assets | 0.0552% | 2,870 |
| Net operating income to assets | 1.1196% | 2,580 |
| Return on assets (ROA) | 1.1077% | 2,642 |
| Pretax return on assets | 1.5196% | 1,837 |
| Return on Equity (ROE) | 9.7692% | 2,720 |
| Retained earnings to average equity (ytd only) | 7.9740% | 1,669 |
| Net charge-offs to loans | 0.1385% | 1,175 |
| Credit loss provision to net charge-offs | 52.2388% | 2,811 |
| Earnings coverage of net charge-offs (x) | 15.0375% | 2,256 |
| Efficiency ratio | 58.3764% | 4,061 |
| Assets per employee ($millions) | 5.9341% | 1,538 |
| Cash dividends to net income (ytd only)* | 18.3760% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,616 |
| Loan loss allowance to noncurrent loans | 36.0434% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 2.2634% | 424 |
| Noncurrent loans to loans | 2.8461% | 405 |
| Net loans and leases to total assets | 74.5656% | 1,889 |
| Net loans and leases to deposits | 85.0488% | 2,469 |
| Net loans and leases to core deposits | 88.0629% | 2,841 |
| Total domestic deposits to total assets | 87.6739% | 1,407 |
| Equity capital to assets | 11.3255% | 2,380 |
| Core capital (leverage) ratio | 11.9027% | 1,840 |
| Tier 1 risk-based capital ratio | 17.1751% | 2,029 |
| Total risk-based capital ratio | 18.3038% | 2,027 |
| Memoranda: | ||
| Average total assets | $168,992,000 | 3,206 |
| Average earning assets | $159,909,500 | 3,167 |
| Average equity | $19,161,750 | 3,190 |
| Average total loans | $128,995,500 | 2,910 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4714% | 2,178 |
| Cost of funding earning assets | 0.7043% | 1,600 |
| Net interest margin | 3.7671% | 2,686 |
| Noninterest income to average assets | 0.2858% | 4,267 |
| Noninterest expense to average assets | 2.2208% | 4,319 |
| Loan and lease loss provision to assets | 0.0298% | 3,313 |
| Net operating income to assets | 1.1800% | 2,279 |
| Return on assets (ROA) | 1.1800% | 2,278 |
| Pretax return on assets | 1.5956% | 1,515 |
| Return on Equity (ROE) | 10.4029% | 2,380 |
| Retained earnings to average equity (ytd only) | 8.8808% | 1,258 |
| Net charge-offs to loans | 0.0823% | 1,505 |
| Credit loss provision to net charge-offs | 47.1698% | 2,508 |
| Earnings coverage of net charge-offs (x) | 25.7547% | 1,629 |
| Efficiency ratio | 57.7399% | 4,276 |
| Assets per employee ($millions) | 5.9070% | 1,544 |
| Cash dividends to net income (ytd only)* | 14.6317% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,442 |
| Loan loss allowance to noncurrent loans | 44.4083% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.9089% | 576 |
| Noncurrent loans to loans | 2.4070% | 547 |
| Net loans and leases to total assets | 73.8049% | 1,973 |
| Net loans and leases to deposits | 83.3086% | 2,611 |
| Net loans and leases to core deposits | 86.0835% | 2,912 |
| Total domestic deposits to total assets | 88.5921% | 1,099 |
| Equity capital to assets | 11.2853% | 2,372 |
| Core capital (leverage) ratio | 11.8128% | 1,831 |
| Tier 1 risk-based capital ratio | 17.0036% | 2,094 |
| Total risk-based capital ratio | 18.1684% | 2,069 |
| Memoranda: | ||
| Average total assets | $167,959,330 | 3,237 |
| Average earning assets | $158,742,670 | 3,199 |
| Average equity | $19,052,330 | 3,217 |
| Average total loans | $128,777,330 | 2,925 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5727% | 1,659 |
| Cost of funding earning assets | 0.6609% | 1,654 |
| Net interest margin | 3.9118% | 1,995 |
| Noninterest income to average assets | 0.2814% | 4,290 |
| Noninterest expense to average assets | 2.2203% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2821% | 1,709 |
| Return on assets (ROA) | 1.2821% | 1,713 |
| Pretax return on assets | 1.7632% | 978 |
| Return on Equity (ROE) | 11.2730% | 1,863 |
| Retained earnings to average equity (ytd only) | 11.0192% | 892 |
| Net charge-offs to loans | 0.0495% | 1,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 45.8125% | 985 |
| Efficiency ratio | 55.7367% | 4,618 |
| Assets per employee ($millions) | 5.7299% | 1,738 |
| Cash dividends to net income (ytd only)* | 2.2514% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 3,495 |
| Loan loss allowance to noncurrent loans | 55.1421% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.6170% | 833 |
| Noncurrent loans to loans | 1.9611% | 826 |
| Net loans and leases to total assets | 75.8574% | 1,565 |
| Net loans and leases to deposits | 85.7798% | 2,189 |
| Net loans and leases to core deposits | 89.2509% | 2,517 |
| Total domestic deposits to total assets | 88.4327% | 1,390 |
| Equity capital to assets | 11.4541% | 2,167 |
| Core capital (leverage) ratio | 11.7770% | 1,792 |
| Tier 1 risk-based capital ratio | 16.9642% | 2,125 |
| Total risk-based capital ratio | 18.1560% | 2,094 |
| Memoranda: | ||
| Average total assets | $166,287,500 | 3,293 |
| Average earning assets | $157,370,000 | 3,243 |
| Average equity | $18,912,500 | 3,255 |
| Average total loans | $129,268,000 | 2,942 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 1,899 |
| Cost of funding earning assets | 0.5811% | 1,730 |
| Net interest margin | 3.8629% | 2,217 |
| Noninterest income to average assets | 0.2451% | 4,664 |
| Noninterest expense to average assets | 2.2272% | 4,476 |
| Loan and lease loss provision to assets | 0.2985% | 578 |
| Net operating income to assets | 0.7286% | 3,476 |
| Return on assets (ROA) | 0.7106% | 3,608 |
| Pretax return on assets | 1.3124% | 2,301 |
| Return on Equity (ROE) | 6.3255% | 3,615 |
| Retained earnings to average equity (ytd only) | 3.6787% | 3,033 |
| Net charge-offs to loans | 0.4025% | 621 |
| Credit loss provision to net charge-offs | 97.0703% | 2,659 |
| Earnings coverage of net charge-offs (x) | 5.3301% | 3,346 |
| Efficiency ratio | 57.6045% | 4,576 |
| Assets per employee ($millions) | 5.3680% | 2,088 |
| Cash dividends to net income (ytd only)* | 41.8428% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 3,532 |
| Loan loss allowance to noncurrent loans | 36.7740% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 2.4284% | 395 |
| Noncurrent loans to loans | 2.8892% | 395 |
| Net loans and leases to total assets | 77.9500% | 1,296 |
| Net loans and leases to deposits | 90.2761% | 1,744 |
| Net loans and leases to core deposits | 93.4970% | 2,244 |
| Total domestic deposits to total assets | 86.3462% | 2,296 |
| Equity capital to assets | 11.2927% | 2,371 |
| Core capital (leverage) ratio | 11.0155% | 2,319 |
| Tier 1 risk-based capital ratio | 15.2628% | 2,721 |
| Total risk-based capital ratio | 16.4232% | 2,695 |
| Memoranda: | ||
| Average total assets | $166,488,600 | 3,281 |
| Average earning assets | $156,073,000 | 3,243 |
| Average equity | $18,702,200 | 3,274 |
| Average total loans | $127,192,400 | 2,957 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 1,955 |
| Cost of funding earning assets | 0.5686% | 1,751 |
| Net interest margin | 3.8344% | 2,268 |
| Noninterest income to average assets | 0.2474% | 4,724 |
| Noninterest expense to average assets | 2.1828% | 4,562 |
| Loan and lease loss provision to assets | 0.2362% | 754 |
| Net operating income to assets | 0.9003% | 3,025 |
| Return on assets (ROA) | 0.8736% | 3,208 |
| Pretax return on assets | 1.3725% | 2,207 |
| Return on Equity (ROE) | 7.7872% | 3,243 |
| Retained earnings to average equity (ytd only) | 6.4168% | 2,002 |
| Net charge-offs to loans | 0.2588% | 833 |
| Credit loss provision to net charge-offs | 120.4082% | 2,001 |
| Earnings coverage of net charge-offs (x) | 8.4122% | 2,787 |
| Efficiency ratio | 56.9459% | 4,617 |
| Assets per employee ($millions) | 5.4245% | 1,995 |
| Cash dividends to net income (ytd only)* | 17.5983% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 3,261 |
| Loan loss allowance to noncurrent loans | 35.3012% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 2.6654% | 376 |
| Noncurrent loans to loans | 3.2253% | 365 |
| Net loans and leases to total assets | 75.3363% | 1,702 |
| Net loans and leases to deposits | 87.9817% | 2,066 |
| Net loans and leases to core deposits | 90.7784% | 2,544 |
| Total domestic deposits to total assets | 85.6272% | 2,471 |
| Equity capital to assets | 11.4018% | 2,466 |
| Core capital (leverage) ratio | 11.6133% | 1,942 |
| Tier 1 risk-based capital ratio | 16.2329% | 2,404 |
| Total risk-based capital ratio | 17.4598% | 2,365 |
| Memoranda: | ||
| Average total assets | $166,508,750 | 3,309 |
| Average earning assets | $155,707,500 | 3,281 |
| Average equity | $18,679,750 | 3,307 |
| Average total loans | $126,213,500 | 2,995 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3157% | 2,076 |
| Cost of funding earning assets | 0.5611% | 1,706 |
| Net interest margin | 3.7546% | 2,455 |
| Noninterest income to average assets | 0.3133% | 4,294 |
| Noninterest expense to average assets | 2.1837% | 4,588 |
| Loan and lease loss provision to assets | 0.1928% | 964 |
| Net operating income to assets | 0.9201% | 2,806 |
| Return on assets (ROA) | 0.8954% | 2,992 |
| Pretax return on assets | 1.4064% | 1,997 |
| Return on Equity (ROE) | 8.0258% | 3,017 |
| Retained earnings to average equity (ytd only) | 6.9780% | 1,603 |
| Net charge-offs to loans | 0.2405% | 851 |
| Credit loss provision to net charge-offs | 105.9603% | 1,938 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,471 |
| Efficiency ratio | 57.1429% | 4,688 |
| Assets per employee ($millions) | 5.2935% | 2,064 |
| Cash dividends to net income (ytd only)* | 13.0552% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 3,373 |
| Loan loss allowance to noncurrent loans | 35.7629% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 2.5473% | 418 |
| Noncurrent loans to loans | 3.1832% | 387 |
| Net loans and leases to total assets | 72.6976% | 2,094 |
| Net loans and leases to deposits | 81.9534% | 2,707 |
| Net loans and leases to core deposits | 84.4412% | 3,021 |
| Total domestic deposits to total assets | 88.7061% | 1,102 |
| Equity capital to assets | 11.1924% | 2,604 |
| Core capital (leverage) ratio | 11.4355% | 2,015 |
| Tier 1 risk-based capital ratio | 16.3498% | 2,375 |
| Total risk-based capital ratio | 17.5668% | 2,333 |
| Memoranda: | ||
| Average total assets | $165,959,000 | 3,329 |
| Average earning assets | $155,062,330 | 3,303 |
| Average equity | $18,515,330 | 3,331 |
| Average total loans | $125,570,330 | 3,013 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 1,907 |
| Cost of funding earning assets | 0.5520% | 1,700 |
| Net interest margin | 3.7662% | 2,239 |
| Noninterest income to average assets | 0.3093% | 4,341 |
| Noninterest expense to average assets | 2.1334% | 4,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1008% | 1,865 |
| Return on assets (ROA) | 1.1008% | 1,908 |
| Pretax return on assets | 1.7316% | 934 |
| Return on Equity (ROE) | 9.8833% | 2,014 |
| Retained earnings to average equity (ytd only) | 9.3585% | 965 |
| Net charge-offs to loans | -0.0476% | 5,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1985% | 5,021 |
| Assets per employee ($millions) | 4.8330% | 2,650 |
| Cash dividends to net income (ytd only)* | 5.3097% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 3,385 |
| Loan loss allowance to noncurrent loans | 64.4052% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.4295% | 1,155 |
| Noncurrent loans to loans | 1.7933% | 1,044 |
| Net loans and leases to total assets | 74.1623% | 1,711 |
| Net loans and leases to deposits | 83.7002% | 2,319 |
| Net loans and leases to core deposits | 86.4279% | 2,680 |
| Total domestic deposits to total assets | 88.6047% | 1,372 |
| Equity capital to assets | 11.2864% | 2,361 |
| Core capital (leverage) ratio | 11.3146% | 2,096 |
| Tier 1 risk-based capital ratio | 16.4634% | 2,370 |
| Total risk-based capital ratio | 17.7084% | 2,321 |
| Memoranda: | ||
| Average total assets | $164,242,500 | 3,380 |
| Average earning assets | $155,065,500 | 3,333 |
| Average equity | $18,293,500 | 3,376 |
| Average total loans | $126,074,500 | 3,024 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4792% | 1,600 |
| Cost of funding earning assets | 0.5511% | 1,679 |
| Net interest margin | 3.9281% | 1,865 |
| Noninterest income to average assets | 0.4325% | 3,659 |
| Noninterest expense to average assets | 2.2015% | 4,768 |
| Loan and lease loss provision to assets | 0.2746% | 729 |
| Net operating income to assets | 1.0461% | 2,157 |
| Return on assets (ROA) | 1.0477% | 2,252 |
| Pretax return on assets | 1.6709% | 1,079 |
| Return on Equity (ROE) | 9.4091% | 2,227 |
| Retained earnings to average equity (ytd only) | 6.0234% | 1,690 |
| Net charge-offs to loans | 0.1016% | 2,262 |
| Credit loss provision to net charge-offs | 347.6563% | 881 |
| Earnings coverage of net charge-offs (x) | 24.6016% | 1,631 |
| Efficiency ratio | 53.1190% | 5,307 |
| Assets per employee ($millions) | 4.8283% | 2,603 |
| Cash dividends to net income (ytd only)* | 35.9835% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 3,748 |
| Loan loss allowance to noncurrent loans | 72.9674% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.2518% | 1,426 |
| Noncurrent loans to loans | 1.4985% | 1,339 |
| Net loans and leases to total assets | 77.6369% | 1,261 |
| Net loans and leases to deposits | 87.5122% | 1,986 |
| Net loans and leases to core deposits | 90.3568% | 2,472 |
| Total domestic deposits to total assets | 88.7155% | 1,259 |
| Equity capital to assets | 10.9897% | 2,635 |
| Core capital (leverage) ratio | 11.3213% | 2,065 |
| Tier 1 risk-based capital ratio | 15.3997% | 2,791 |
| Total risk-based capital ratio | 16.5787% | 2,760 |
| Memoranda: | ||
| Average total assets | $162,070,600 | 3,377 |
| Average earning assets | $153,152,600 | 3,337 |
| Average equity | $18,046,400 | 3,399 |
| Average total loans | $125,982,600 | 2,981 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 1,616 |
| Cost of funding earning assets | 0.5454% | 1,743 |
| Net interest margin | 3.9315% | 1,873 |
| Noninterest income to average assets | 0.4630% | 3,468 |
| Noninterest expense to average assets | 2.1260% | 4,951 |
| Loan and lease loss provision to assets | 0.1774% | 1,258 |
| Net operating income to assets | 1.1713% | 1,732 |
| Return on assets (ROA) | 1.1893% | 1,770 |
| Pretax return on assets | 1.8999% | 710 |
| Return on Equity (ROE) | 10.6456% | 1,809 |
| Retained earnings to average equity (ytd only) | 9.3527% | 723 |
| Net charge-offs to loans | 0.1203% | 1,750 |
| Credit loss provision to net charge-offs | 190.2655% | 1,486 |
| Earnings coverage of net charge-offs (x) | 21.9738% | 1,792 |
| Efficiency ratio | 50.9192% | 5,446 |
| Assets per employee ($millions) | 4.8838% | 2,515 |
| Cash dividends to net income (ytd only)* | 12.1444% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 4,793 |
| Loan loss allowance to noncurrent loans | 83.6720% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 0.9468% | 2,190 |
| Noncurrent loans to loans | 1.1025% | 2,048 |
| Net loans and leases to total assets | 79.5670% | 951 |
| Net loans and leases to deposits | 90.0792% | 1,743 |
| Net loans and leases to core deposits | 92.7337% | 2,311 |
| Total domestic deposits to total assets | 88.3300% | 1,224 |
| Equity capital to assets | 11.5477% | 2,474 |
| Core capital (leverage) ratio | 11.3787% | 2,126 |
| Tier 1 risk-based capital ratio | 15.4618% | 2,846 |
| Total risk-based capital ratio | 16.4638% | 2,886 |
| Memoranda: | ||
| Average total assets | $161,547,500 | 3,397 |
| Average earning assets | $152,540,750 | 3,357 |
| Average equity | $18,047,750 | 3,421 |
| Average total loans | $125,263,250 | 2,997 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 1,671 |
| Cost of funding earning assets | 0.5361% | 1,815 |
| Net interest margin | 3.9147% | 1,930 |
| Noninterest income to average assets | 0.5307% | 3,001 |
| Noninterest expense to average assets | 2.0844% | 5,094 |
| Loan and lease loss provision to assets | 0.0804% | 2,531 |
| Net operating income to assets | 1.2508% | 1,417 |
| Return on assets (ROA) | 1.2643% | 1,495 |
| Pretax return on assets | 2.0634% | 502 |
| Return on Equity (ROE) | 11.4446% | 1,497 |
| Retained earnings to average equity (ytd only) | 9.7536% | 650 |
| Net charge-offs to loans | 0.0517% | 2,460 |
| Credit loss provision to net charge-offs | 203.1250% | 1,289 |
| Earnings coverage of net charge-offs (x) | 53.6250% | 951 |
| Efficiency ratio | 49.5443% | 5,590 |
| Assets per employee ($millions) | 5.2042% | 2,085 |
| Cash dividends to net income (ytd only)* | 14.7750% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 4,892 |
| Loan loss allowance to noncurrent loans | 36.7047% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 1.8885% | 890 |
| Noncurrent loans to loans | 2.5037% | 694 |
| Net loans and leases to total assets | 72.8356% | 2,036 |
| Net loans and leases to deposits | 82.0455% | 2,711 |
| Net loans and leases to core deposits | 84.8420% | 3,002 |
| Total domestic deposits to total assets | 88.7747% | 1,025 |
| Equity capital to assets | 11.0290% | 3,030 |
| Core capital (leverage) ratio | 11.1883% | 2,248 |
| Tier 1 risk-based capital ratio | 15.3898% | 2,907 |
| Total risk-based capital ratio | 16.3502% | 2,968 |
| Memoranda: | ||
| Average total assets | $161,674,670 | 3,415 |
| Average earning assets | $151,839,330 | 3,383 |
| Average equity | $17,860,000 | 3,461 |
| Average total loans | $123,874,670 | 3,023 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6540% | 1,137 |
| Cost of funding earning assets | 0.5283% | 1,880 |
| Net interest margin | 4.1258% | 1,277 |
| Noninterest income to average assets | 0.3341% | 4,341 |
| Noninterest expense to average assets | 2.0220% | 5,287 |
| Loan and lease loss provision to assets | 0.0502% | 2,917 |
| Net operating income to assets | 1.4124% | 1,020 |
| Return on assets (ROA) | 1.4091% | 1,079 |
| Pretax return on assets | 2.1803% | 394 |
| Return on Equity (ROE) | 12.7453% | 1,090 |
| Retained earnings to average equity (ytd only) | 12.5408% | 433 |
| Net charge-offs to loans | -0.0128% | 4,638 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4926% | 5,746 |
| Assets per employee ($millions) | 4.9601% | 2,385 |
| Cash dividends to net income (ytd only)* | 1.6043% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8938% | 5,076 |
| Loan loss allowance to noncurrent loans | 31.7136% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 2.2675% | 706 |
| Noncurrent loans to loans | 2.8182% | 610 |
| Net loans and leases to total assets | 77.9665% | 1,108 |
| Net loans and leases to deposits | 88.2535% | 1,802 |
| Net loans and leases to core deposits | 91.4411% | 2,239 |
| Total domestic deposits to total assets | 88.3438% | 1,440 |
| Equity capital to assets | 11.3047% | 2,619 |
| Core capital (leverage) ratio | 11.1032% | 2,310 |
| Tier 1 risk-based capital ratio | 15.3463% | 2,997 |
| Total risk-based capital ratio | 16.3073% | 3,068 |
| Memoranda: | ||
| Average total assets | $159,245,000 | 3,461 |
| Average earning assets | $151,438,500 | 3,405 |
| Average equity | $17,606,500 | 3,494 |
| Average total loans | $124,601,500 | 3,021 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4220% | 1,828 |
| Cost of funding earning assets | 0.4538% | 2,589 |
| Net interest margin | 3.9681% | 1,816 |
| Noninterest income to average assets | 0.3384% | 4,488 |
| Noninterest expense to average assets | 2.0325% | 5,393 |
| Loan and lease loss provision to assets | 0.2481% | 766 |
| Net operating income to assets | 1.1651% | 1,686 |
| Return on assets (ROA) | 1.0633% | 2,148 |
| Pretax return on assets | 1.6859% | 1,036 |
| Return on Equity (ROE) | 9.9748% | 2,022 |
| Retained earnings to average equity (ytd only) | 6.4682% | 1,558 |
| Net charge-offs to loans | 0.1253% | 2,124 |
| Credit loss provision to net charge-offs | 269.1781% | 1,077 |
| Earnings coverage of net charge-offs (x) | 22.7055% | 1,763 |
| Efficiency ratio | 49.2654% | 5,785 |
| Assets per employee ($millions) | 4.9928% | 2,372 |
| Cash dividends to net income (ytd only)* | 35.1544% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 5,163 |
| Loan loss allowance to noncurrent loans | 45.6331% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 1.5303% | 1,315 |
| Noncurrent loans to loans | 1.9246% | 1,108 |
| Net loans and leases to total assets | 77.1400% | 1,233 |
| Net loans and leases to deposits | 87.3688% | 1,949 |
| Net loans and leases to core deposits | 90.4976% | 2,366 |
| Total domestic deposits to total assets | 88.2924% | 1,479 |
| Equity capital to assets | 10.8094% | 3,018 |
| Core capital (leverage) ratio | 10.8744% | 2,527 |
| Tier 1 risk-based capital ratio | 14.9817% | 3,190 |
| Total risk-based capital ratio | 15.9154% | 3,274 |
| Memoranda: | ||
| Average total assets | $158,373,600 | 3,453 |
| Average earning assets | $151,153,800 | 3,388 |
| Average equity | $16,882,600 | 3,544 |
| Average total loans | $116,566,200 | 3,100 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3993% | 1,919 |
| Cost of funding earning assets | 0.4509% | 2,674 |
| Net interest margin | 3.9484% | 1,878 |
| Noninterest income to average assets | 0.3215% | 4,642 |
| Noninterest expense to average assets | 2.0469% | 5,387 |
| Loan and lease loss provision to assets | 0.1772% | 1,190 |
| Net operating income to assets | 1.1874% | 1,690 |
| Return on assets (ROA) | 1.1458% | 1,911 |
| Pretax return on assets | 1.8005% | 902 |
| Return on Equity (ROE) | 10.7866% | 1,787 |
| Retained earnings to average equity (ytd only) | 9.6349% | 704 |
| Net charge-offs to loans | 0.1198% | 1,923 |
| Credit loss provision to net charge-offs | 203.8835% | 1,316 |
| Earnings coverage of net charge-offs (x) | 23.5048% | 1,732 |
| Efficiency ratio | 50.0516% | 5,774 |
| Assets per employee ($millions) | 4.9310% | 2,384 |
| Cash dividends to net income (ytd only)* | 10.6776% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8031% | 5,511 |
| Loan loss allowance to noncurrent loans | 31.2541% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 1.9335% | 1,078 |
| Noncurrent loans to loans | 2.5696% | 781 |
| Net loans and leases to total assets | 74.5217% | 1,633 |
| Net loans and leases to deposits | 83.9983% | 2,411 |
| Net loans and leases to core deposits | 87.2349% | 2,732 |
| Total domestic deposits to total assets | 88.7181% | 1,168 |
| Equity capital to assets | 11.0696% | 2,940 |
| Core capital (leverage) ratio | 10.8130% | 2,700 |
| Tier 1 risk-based capital ratio | 15.6455% | 2,978 |
| Total risk-based capital ratio | 16.4996% | 3,105 |
| Memoranda: | ||
| Average total assets | $158,025,000 | 3,491 |
| Average earning assets | $150,809,250 | 3,420 |
| Average equity | $16,785,750 | 3,587 |
| Average total loans | $114,623,500 | 3,156 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 1,673 |
| Cost of funding earning assets | 0.4471% | 2,764 |
| Net interest margin | 4.0093% | 1,617 |
| Noninterest income to average assets | 0.3011% | 4,798 |
| Noninterest expense to average assets | 2.1113% | 5,313 |
| Loan and lease loss provision to assets | 0.1202% | 1,840 |
| Net operating income to assets | 1.2002% | 1,601 |
| Return on assets (ROA) | 1.1840% | 1,720 |
| Pretax return on assets | 1.8558% | 810 |
| Return on Equity (ROE) | 11.3053% | 1,588 |
| Retained earnings to average equity (ytd only) | 9.9525% | 677 |
| Net charge-offs to loans | 0.0953% | 2,065 |
| Credit loss provision to net charge-offs | 175.9259% | 1,368 |
| Earnings coverage of net charge-offs (x) | 29.2963% | 1,381 |
| Efficiency ratio | 51.3380% | 5,767 |
| Assets per employee ($millions) | 5.0426% | 2,223 |
| Cash dividends to net income (ytd only)* | 11.9658% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7577% | 5,698 |
| Loan loss allowance to noncurrent loans | 18.8471% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 2.9561% | 573 |
| Noncurrent loans to loans | 4.0205% | 381 |
| Net loans and leases to total assets | 71.9130% | 1,997 |
| Net loans and leases to deposits | 80.4533% | 2,726 |
| Net loans and leases to core deposits | 83.4827% | 3,033 |
| Total domestic deposits to total assets | 89.3848% | 959 |
| Equity capital to assets | 10.4733% | 3,470 |
| Core capital (leverage) ratio | 10.6176% | 2,828 |
| Tier 1 risk-based capital ratio | 14.8703% | 3,431 |
| Total risk-based capital ratio | 15.6431% | 3,620 |
| Memoranda: | ||
| Average total assets | $158,102,330 | 3,515 |
| Average earning assets | $150,302,000 | 3,453 |
| Average equity | $16,558,670 | 3,631 |
| Average total loans | $113,317,330 | 3,193 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5085% | 1,431 |
| Cost of funding earning assets | 0.4463% | 2,810 |
| Net interest margin | 4.0622% | 1,380 |
| Noninterest income to average assets | 0.3247% | 4,589 |
| Noninterest expense to average assets | 1.9991% | 5,580 |
| Loan and lease loss provision to assets | 0.1023% | 1,991 |
| Net operating income to assets | 1.3287% | 1,188 |
| Return on assets (ROA) | 1.3140% | 1,313 |
| Pretax return on assets | 2.0630% | 526 |
| Return on Equity (ROE) | 12.5458% | 1,205 |
| Retained earnings to average equity (ytd only) | 11.8379% | 590 |
| Net charge-offs to loans | 0.0502% | 2,286 |
| Credit loss provision to net charge-offs | 285.7143% | 841 |
| Earnings coverage of net charge-offs (x) | 61.1429% | 725 |
| Efficiency ratio | 47.7411% | 6,034 |
| Assets per employee ($millions) | 4.8640% | 2,541 |
| Cash dividends to net income (ytd only)* | 5.6420% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7613% | 5,783 |
| Loan loss allowance to noncurrent loans | 159.5238% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 4,392 |
| Noncurrent loans to loans | 0.4772% | 4,147 |
| Net loans and leases to total assets | 72.9447% | 1,665 |
| Net loans and leases to deposits | 82.0965% | 2,331 |
| Net loans and leases to core deposits | 83.3789% | 2,831 |
| Total domestic deposits to total assets | 88.8524% | 1,362 |
| Equity capital to assets | 10.7287% | 3,293 |
| Core capital (leverage) ratio | 10.4197% | 3,076 |
| Tier 1 risk-based capital ratio | 14.8418% | 3,519 |
| Total risk-based capital ratio | 14.8418% | 4,191 |
| Memoranda: | ||
| Average total assets | $156,472,000 | 3,555 |
| Average earning assets | $148,785,000 | 3,485 |
| Average equity | $16,388,000 | 3,678 |
| Average total loans | $111,512,500 | 3,237 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9820% | 3,787 |
| Cost of funding earning assets | 0.4714% | 2,966 |
| Net interest margin | 3.5106% | 3,750 |
| Noninterest income to average assets | 0.3051% | 4,928 |
| Noninterest expense to average assets | 1.9613% | 5,837 |
| Loan and lease loss provision to assets | 0.0656% | 3,193 |
| Net operating income to assets | 1.0507% | 2,158 |
| Return on assets (ROA) | 0.9981% | 2,469 |
| Pretax return on assets | 1.5465% | 1,398 |
| Return on Equity (ROE) | 10.4264% | 1,941 |
| Retained earnings to average equity (ytd only) | 6.5285% | 1,625 |
| Net charge-offs to loans | 0.1057% | 3,000 |
| Credit loss provision to net charge-offs | 99.0741% | 2,450 |
| Earnings coverage of net charge-offs (x) | 25.5833% | 1,496 |
| Efficiency ratio | 53.6720% | 5,869 |
| Assets per employee ($millions) | 4.9155% | 2,428 |
| Cash dividends to net income (ytd only)* | 37.3849% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7780% | 5,830 |
| Loan loss allowance to noncurrent loans | 34.9462% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 1.6008% | 1,685 |
| Noncurrent loans to loans | 2.2262% | 1,192 |
| Net loans and leases to total assets | 68.5154% | 2,490 |
| Net loans and leases to deposits | 76.9998% | 3,087 |
| Net loans and leases to core deposits | 78.0154% | 3,516 |
| Total domestic deposits to total assets | 88.9813% | 1,250 |
| Equity capital to assets | 10.2209% | 3,831 |
| Core capital (leverage) ratio | 9.8405% | 3,785 |
| Tier 1 risk-based capital ratio | 15.7825% | 3,072 |
| Total risk-based capital ratio | 16.6007% | 3,245 |
| Memoranda: | ||
| Average total assets | $163,204,800 | 3,438 |
| Average earning assets | $155,699,200 | 3,346 |
| Average equity | $15,623,800 | 3,732 |
| Average total loans | $102,130,600 | 3,379 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 4,460 |
| Cost of funding earning assets | 0.4723% | 3,032 |
| Net interest margin | 3.3502% | 4,430 |
| Noninterest income to average assets | 0.3230% | 4,849 |
| Noninterest expense to average assets | 1.8888% | 5,969 |
| Loan and lease loss provision to assets | 0.0121% | 4,176 |
| Net operating income to assets | 1.0291% | 2,326 |
| Return on assets (ROA) | 0.9918% | 2,548 |
| Pretax return on assets | 1.5626% | 1,450 |
| Return on Equity (ROE) | 10.5302% | 1,981 |
| Retained earnings to average equity (ytd only) | 8.3984% | 1,189 |
| Net charge-offs to loans | 0.0690% | 3,209 |
| Credit loss provision to net charge-offs | 28.8462% | 3,469 |
| Earnings coverage of net charge-offs (x) | 38.7894% | 1,159 |
| Efficiency ratio | 53.6322% | 5,863 |
| Assets per employee ($millions) | 5.1364% | 2,093 |
| Cash dividends to net income (ytd only)* | 20.2450% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7721% | 5,942 |
| Loan loss allowance to noncurrent loans | 34.9309% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 1.5003% | 2,048 |
| Noncurrent loans to loans | 2.2104% | 1,375 |
| Net loans and leases to total assets | 63.2553% | 3,299 |
| Net loans and leases to deposits | 72.2298% | 3,664 |
| Net loans and leases to core deposits | 73.9535% | 3,943 |
| Total domestic deposits to total assets | 87.5751% | 1,996 |
| Equity capital to assets | 9.7832% | 4,439 |
| Core capital (leverage) ratio | 9.7242% | 4,040 |
| Tier 1 risk-based capital ratio | 15.9457% | 3,081 |
| Total risk-based capital ratio | 16.7411% | 3,267 |
| Memoranda: | ||
| Average total assets | $164,682,000 | 3,445 |
| Average earning assets | $157,239,000 | 3,342 |
| Average equity | $15,510,500 | 3,770 |
| Average total loans | $100,509,000 | 3,438 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7619% | 4,651 |
| Cost of funding earning assets | 0.4742% | 3,072 |
| Net interest margin | 3.2877% | 4,635 |
| Noninterest income to average assets | 0.2901% | 5,099 |
| Noninterest expense to average assets | 1.9018% | 5,997 |
| Loan and lease loss provision to assets | 0.0061% | 4,115 |
| Net operating income to assets | 0.9540% | 2,537 |
| Return on assets (ROA) | 0.9540% | 2,627 |
| Pretax return on assets | 1.5207% | 1,476 |
| Return on Equity (ROE) | 10.2606% | 2,028 |
| Retained earnings to average equity (ytd only) | 7.6367% | 1,458 |
| Net charge-offs to loans | -0.0262% | 5,637 |
| Credit loss provision to net charge-offs | -38.4615% | 5,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4690% | 5,796 |
| Assets per employee ($millions) | 5.3487% | 1,830 |
| Cash dividends to net income (ytd only)* | 25.5725% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8615% | 5,840 |
| Loan loss allowance to noncurrent loans | 64.0000% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 0.8715% | 3,362 |
| Noncurrent loans to loans | 1.3462% | 2,558 |
| Net loans and leases to total assets | 59.9618% | 3,719 |
| Net loans and leases to deposits | 66.5003% | 4,222 |
| Net loans and leases to core deposits | 67.4633% | 4,509 |
| Total domestic deposits to total assets | 90.1676% | 727 |
| Equity capital to assets | 9.4977% | 4,754 |
| Core capital (leverage) ratio | 9.4238% | 4,440 |
| Tier 1 risk-based capital ratio | 16.0343% | 3,067 |
| Total risk-based capital ratio | 16.9122% | 3,206 |
| Memoranda: | ||
| Average total assets | $164,788,000 | 3,466 |
| Average earning assets | $157,313,330 | 3,360 |
| Average equity | $15,320,670 | 3,799 |
| Average total loans | $99,086,000 | 3,471 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7385% | 4,711 |
| Cost of funding earning assets | 0.4747% | 3,180 |
| Net interest margin | 3.2639% | 4,691 |
| Noninterest income to average assets | 0.3092% | 4,893 |
| Noninterest expense to average assets | 1.8944% | 6,077 |
| Loan and lease loss provision to assets | 0.0122% | 3,672 |
| Net operating income to assets | 0.9545% | 2,386 |
| Return on assets (ROA) | 0.9155% | 2,646 |
| Pretax return on assets | 1.4561% | 1,567 |
| Return on Equity (ROE) | 9.9556% | 2,058 |
| Retained earnings to average equity (ytd only) | 9.7438% | 1,034 |
| Net charge-offs to loans | -0.0609% | 5,899 |
| Credit loss provision to net charge-offs | -33.3333% | 4,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3343% | 5,893 |
| Assets per employee ($millions) | 5.5437% | 1,670 |
| Cash dividends to net income (ytd only)* | 2.1277% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 5,920 |
| Loan loss allowance to noncurrent loans | 57.5033% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 0.9627% | 3,327 |
| Noncurrent loans to loans | 1.5339% | 2,508 |
| Net loans and leases to total assets | 58.5130% | 3,761 |
| Net loans and leases to deposits | 64.6349% | 4,254 |
| Net loans and leases to core deposits | 65.7658% | 4,509 |
| Total domestic deposits to total assets | 90.5285% | 785 |
| Equity capital to assets | 9.2304% | 4,838 |
| Core capital (leverage) ratio | 9.3063% | 4,566 |
| Tier 1 risk-based capital ratio | 16.0434% | 3,154 |
| Total risk-based capital ratio | 16.9360% | 3,306 |
| Memoranda: | ||
| Average total assets | $164,277,500 | 3,492 |
| Average earning assets | $156,745,500 | 3,394 |
| Average equity | $15,107,000 | 3,846 |
| Average total loans | $98,486,000 | 3,502 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9613% | 4,235 |
| Cost of funding earning assets | 0.5374% | 3,221 |
| Net interest margin | 3.4239% | 4,188 |
| Noninterest income to average assets | 0.3043% | 5,165 |
| Noninterest expense to average assets | 2.0065% | 6,015 |
| Loan and lease loss provision to assets | 0.1895% | 1,945 |
| Net operating income to assets | 0.9525% | 2,564 |
| Return on assets (ROA) | 0.9285% | 2,728 |
| Pretax return on assets | 1.3459% | 1,982 |
| Return on Equity (ROE) | 10.3688% | 1,969 |
| Retained earnings to average equity (ytd only) | 2.7107% | 4,309 |
| Net charge-offs to loans | 0.2299% | 2,620 |
| Credit loss provision to net charge-offs | 146.0829% | 1,593 |
| Earnings coverage of net charge-offs (x) | 12.1014% | 2,163 |
| Efficiency ratio | 56.1016% | 5,938 |
| Assets per employee ($millions) | 5.2337% | 1,919 |
| Cash dividends to net income (ytd only)* | 73.8571% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 6,042 |
| Loan loss allowance to noncurrent loans | 60.5583% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 0.8610% | 3,737 |
| Noncurrent loans to loans | 1.4141% | 2,776 |
| Net loans and leases to total assets | 60.3698% | 3,645 |
| Net loans and leases to deposits | 67.6219% | 4,102 |
| Net loans and leases to core deposits | 68.4906% | 4,451 |
| Total domestic deposits to total assets | 89.2755% | 1,444 |
| Equity capital to assets | 9.1608% | 4,851 |
| Core capital (leverage) ratio | 8.9185% | 5,119 |
| Tier 1 risk-based capital ratio | 15.5947% | 3,312 |
| Total risk-based capital ratio | 16.4629% | 3,486 |
| Memoranda: | ||
| Average total assets | $167,253,000 | 3,454 |
| Average earning assets | $159,845,000 | 3,348 |
| Average equity | $14,977,600 | 3,879 |
| Average total loans | $94,390,000 | 3,590 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8299% | 4,733 |
| Cost of funding earning assets | 0.5490% | 3,274 |
| Net interest margin | 3.2809% | 4,713 |
| Noninterest income to average assets | 0.3015% | 5,288 |
| Noninterest expense to average assets | 1.7803% | 6,366 |
| Loan and lease loss provision to assets | 0.1480% | 2,429 |
| Net operating income to assets | 1.0226% | 2,287 |
| Return on assets (ROA) | 0.9827% | 2,556 |
| Pretax return on assets | 1.4448% | 1,781 |
| Return on Equity (ROE) | 11.0351% | 1,806 |
| Retained earnings to average equity (ytd only) | 4.4247% | 3,526 |
| Net charge-offs to loans | 0.1601% | 2,953 |
| Credit loss provision to net charge-offs | 166.9643% | 1,426 |
| Earnings coverage of net charge-offs (x) | 18.6339% | 1,668 |
| Efficiency ratio | 51.8792% | 6,262 |
| Assets per employee ($millions) | 5.0744% | 2,082 |
| Cash dividends to net income (ytd only)* | 59.9036% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 6,199 |
| Loan loss allowance to noncurrent loans | 61.4521% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 0.8217% | 4,056 |
| Noncurrent loans to loans | 1.3655% | 3,131 |
| Net loans and leases to total assets | 57.9365% | 4,020 |
| Net loans and leases to deposits | 64.9225% | 4,419 |
| Net loans and leases to core deposits | 65.8524% | 4,730 |
| Total domestic deposits to total assets | 89.2394% | 1,435 |
| Equity capital to assets | 9.0353% | 5,148 |
| Core capital (leverage) ratio | 8.9076% | 5,254 |
| Tier 1 risk-based capital ratio | 15.5916% | 3,413 |
| Total risk-based capital ratio | 16.4289% | 3,602 |
| Memoranda: | ||
| Average total assets | $168,505,000 | 3,476 |
| Average earning assets | $160,766,000 | 3,356 |
| Average equity | $15,006,250 | 3,909 |
| Average total loans | $93,289,250 | 3,637 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7581% | 4,967 |
| Cost of funding earning assets | 0.5678% | 3,237 |
| Net interest margin | 3.1903% | 4,980 |
| Noninterest income to average assets | 0.2866% | 5,402 |
| Noninterest expense to average assets | 1.7696% | 6,427 |
| Loan and lease loss provision to assets | 0.0521% | 3,941 |
| Net operating income to assets | 1.0012% | 2,321 |
| Return on assets (ROA) | 1.0163% | 2,388 |
| Pretax return on assets | 1.5220% | 1,555 |
| Return on Equity (ROE) | 11.4668% | 1,652 |
| Retained earnings to average equity (ytd only) | 4.4237% | 3,459 |
| Net charge-offs to loans | -0.0174% | 5,930 |
| Credit loss provision to net charge-offs | -550.0000% | 5,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2810% | 6,202 |
| Assets per employee ($millions) | 5.4954% | 1,598 |
| Cash dividends to net income (ytd only)* | 61.4219% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 6,243 |
| Loan loss allowance to noncurrent loans | 48.4517% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 3,764 |
| Noncurrent loans to loans | 1.7666% | 2,682 |
| Net loans and leases to total assets | 54.2575% | 4,552 |
| Net loans and leases to deposits | 59.5648% | 5,018 |
| Net loans and leases to core deposits | 60.6326% | 5,210 |
| Total domestic deposits to total assets | 91.0899% | 514 |
| Equity capital to assets | 8.6459% | 5,618 |
| Core capital (leverage) ratio | 8.8151% | 5,272 |
| Tier 1 risk-based capital ratio | 16.1012% | 3,134 |
| Total risk-based capital ratio | 16.9499% | 3,312 |
| Memoranda: | ||
| Average total assets | $168,855,330 | 3,485 |
| Average earning assets | $160,612,330 | 3,387 |
| Average equity | $14,965,000 | 3,952 |
| Average total loans | $91,773,000 | 3,680 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7806% | 4,889 |
| Cost of funding earning assets | 0.5727% | 3,354 |
| Net interest margin | 3.2079% | 4,904 |
| Noninterest income to average assets | 0.2784% | 5,464 |
| Noninterest expense to average assets | 1.6942% | 6,564 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0850% | 1,919 |
| Return on assets (ROA) | 1.0850% | 2,027 |
| Pretax return on assets | 1.6228% | 1,251 |
| Return on Equity (ROE) | 12.0931% | 1,393 |
| Retained earnings to average equity (ytd only) | 11.7218% | 737 |
| Net charge-offs to loans | -0.0571% | 6,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0760% | 6,437 |
| Assets per employee ($millions) | 5.5546% | 1,622 |
| Cash dividends to net income (ytd only)* | 3.0702% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 6,354 |
| Loan loss allowance to noncurrent loans | 35.1878% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 1.2643% | 3,453 |
| Noncurrent loans to loans | 2.4344% | 2,115 |
| Net loans and leases to total assets | 51.0157% | 4,837 |
| Net loans and leases to deposits | 56.3459% | 5,211 |
| Net loans and leases to core deposits | 57.5356% | 5,381 |
| Total domestic deposits to total assets | 90.5403% | 748 |
| Equity capital to assets | 8.8778% | 5,634 |
| Core capital (leverage) ratio | 8.6070% | 5,442 |
| Tier 1 risk-based capital ratio | 16.3207% | 3,099 |
| Total risk-based capital ratio | 17.1610% | 3,281 |
| Memoranda: | ||
| Average total assets | $168,104,000 | 3,534 |
| Average earning assets | $159,233,500 | 3,447 |
| Average equity | $15,083,000 | 3,983 |
| Average total loans | $91,044,500 | 3,722 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 4,416 |
| Cost of funding earning assets | 0.7581% | 3,027 |
| Net interest margin | 3.4876% | 4,543 |
| Noninterest income to average assets | 0.2724% | 5,514 |
| Noninterest expense to average assets | 1.9575% | 6,403 |
| Loan and lease loss provision to assets | 0.1956% | 3,185 |
| Net operating income to assets | 0.9578% | 2,510 |
| Return on assets (ROA) | 0.9181% | 2,962 |
| Pretax return on assets | 1.3396% | 2,257 |
| Return on Equity (ROE) | 10.2583% | 2,068 |
| Retained earnings to average equity (ytd only) | 7.3461% | 1,406 |
| Net charge-offs to loans | 0.3665% | 2,801 |
| Credit loss provision to net charge-offs | 92.6686% | 3,359 |
| Earnings coverage of net charge-offs (x) | 7.5455% | 2,572 |
| Efficiency ratio | 55.1351% | 6,151 |
| Assets per employee ($millions) | 5.1254% | 2,070 |
| Cash dividends to net income (ytd only)* | 28.3884% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7980% | 6,494 |
| Loan loss allowance to noncurrent loans | 28.1616% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 1.6688% | 2,893 |
| Noncurrent loans to loans | 2.8336% | 1,856 |
| Net loans and leases to total assets | 56.5427% | 4,196 |
| Net loans and leases to deposits | 63.5492% | 4,591 |
| Net loans and leases to core deposits | 65.3734% | 4,800 |
| Total domestic deposits to total assets | 88.9747% | 1,579 |
| Equity capital to assets | 9.0718% | 5,437 |
| Core capital (leverage) ratio | 8.7076% | 5,320 |
| Tier 1 risk-based capital ratio | 15.2880% | 3,552 |
| Total risk-based capital ratio | 16.0861% | 3,767 |
| Memoranda: | ||
| Average total assets | $161,534,800 | 3,596 |
| Average earning assets | $151,825,000 | 3,513 |
| Average equity | $14,456,600 | 4,072 |
| Average total loans | $93,045,400 | 3,675 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 4,224 |
| Cost of funding earning assets | 0.7932% | 3,003 |
| Net interest margin | 3.5627% | 4,386 |
| Noninterest income to average assets | 0.3182% | 5,241 |
| Noninterest expense to average assets | 1.9902% | 6,367 |
| Loan and lease loss provision to assets | 0.2047% | 3,025 |
| Net operating income to assets | 1.0073% | 2,462 |
| Return on assets (ROA) | 0.9587% | 2,926 |
| Pretax return on assets | 1.3912% | 2,268 |
| Return on Equity (ROE) | 10.7493% | 2,050 |
| Retained earnings to average equity (ytd only) | 9.3092% | 1,123 |
| Net charge-offs to loans | 0.4017% | 2,491 |
| Credit loss provision to net charge-offs | 88.2143% | 3,355 |
| Earnings coverage of net charge-offs (x) | 7.1822% | 2,645 |
| Efficiency ratio | 54.4301% | 6,209 |
| Assets per employee ($millions) | 4.9574% | 2,243 |
| Cash dividends to net income (ytd only)* | 13.3966% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 6,633 |
| Loan loss allowance to noncurrent loans | 50.7216% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 4,319 |
| Noncurrent loans to loans | 1.5424% | 3,477 |
| Net loans and leases to total assets | 57.2136% | 4,259 |
| Net loans and leases to deposits | 64.0315% | 4,707 |
| Net loans and leases to core deposits | 65.1756% | 5,036 |
| Total domestic deposits to total assets | 89.3523% | 1,215 |
| Equity capital to assets | 9.1654% | 5,635 |
| Core capital (leverage) ratio | 8.7038% | 5,468 |
| Tier 1 risk-based capital ratio | 15.1245% | 3,757 |
| Total risk-based capital ratio | 15.9088% | 4,042 |
| Memoranda: | ||
| Average total assets | $160,915,000 | 3,638 |
| Average earning assets | $150,779,750 | 3,570 |
| Average equity | $14,351,000 | 4,134 |
| Average total loans | $92,935,750 | 3,715 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4729% | 3,886 |
| Cost of funding earning assets | 0.8338% | 2,918 |
| Net interest margin | 3.6391% | 4,085 |
| Noninterest income to average assets | 0.3437% | 5,089 |
| Noninterest expense to average assets | 2.0072% | 6,415 |
| Loan and lease loss provision to assets | 0.2262% | 2,813 |
| Net operating income to assets | 1.0799% | 2,125 |
| Return on assets (ROA) | 1.0061% | 2,652 |
| Pretax return on assets | 1.4061% | 2,176 |
| Return on Equity (ROE) | 11.3888% | 1,853 |
| Retained earnings to average equity (ytd only) | 9.8184% | 1,021 |
| Net charge-offs to loans | 0.5213% | 2,026 |
| Credit loss provision to net charge-offs | 75.1037% | 3,452 |
| Earnings coverage of net charge-offs (x) | 5.7593% | 2,758 |
| Efficiency ratio | 53.6406% | 6,347 |
| Assets per employee ($millions) | 4.9356% | 2,258 |
| Cash dividends to net income (ytd only)* | 13.7888% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7758% | 6,723 |
| Loan loss allowance to noncurrent loans | 38.9589% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 1.1991% | 4,013 |
| Noncurrent loans to loans | 1.9914% | 2,957 |
| Net loans and leases to total assets | 55.8296% | 4,495 |
| Net loans and leases to deposits | 61.8171% | 5,023 |
| Net loans and leases to core deposits | 62.6372% | 5,337 |
| Total domestic deposits to total assets | 90.3141% | 758 |
| Equity capital to assets | 8.9055% | 5,801 |
| Core capital (leverage) ratio | 8.5256% | 5,620 |
| Tier 1 risk-based capital ratio | 15.1049% | 3,702 |
| Total risk-based capital ratio | 15.8763% | 3,981 |
| Memoranda: | ||
| Average total assets | $160,022,000 | 3,661 |
| Average earning assets | $149,432,330 | 3,612 |
| Average equity | $14,136,670 | 4,173 |
| Average total loans | $92,469,000 | 3,746 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 4,554 |
| Cost of funding earning assets | 0.8863% | 2,790 |
| Net interest margin | 3.4557% | 4,888 |
| Noninterest income to average assets | 0.3481% | 5,074 |
| Noninterest expense to average assets | 1.9824% | 6,496 |
| Loan and lease loss provision to assets | 0.2194% | 2,747 |
| Net operating income to assets | 0.9080% | 2,876 |
| Return on assets (ROA) | 0.9080% | 3,104 |
| Pretax return on assets | 1.3620% | 2,323 |
| Return on Equity (ROE) | 10.3207% | 2,295 |
| Retained earnings to average equity (ytd only) | 7.3679% | 2,246 |
| Net charge-offs to loans | 0.5254% | 1,773 |
| Credit loss provision to net charge-offs | 71.3115% | 2,887 |
| Earnings coverage of net charge-offs (x) | 5.1393% | 2,435 |
| Efficiency ratio | 55.6263% | 6,165 |
| Assets per employee ($millions) | 4.8781% | 2,422 |
| Cash dividends to net income (ytd only)* | 28.6111% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 6,708 |
| Loan loss allowance to noncurrent loans | 29.6894% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 1.5952% | 3,457 |
| Noncurrent loans to loans | 2.7531% | 2,363 |
| Net loans and leases to total assets | 55.4784% | 4,473 |
| Net loans and leases to deposits | 61.2454% | 5,015 |
| Net loans and leases to core deposits | 62.4104% | 5,283 |
| Total domestic deposits to total assets | 90.5838% | 758 |
| Equity capital to assets | 8.7422% | 5,820 |
| Core capital (leverage) ratio | 8.2341% | 5,975 |
| Tier 1 risk-based capital ratio | 15.3414% | 3,531 |
| Total risk-based capital ratio | 16.1788% | 3,766 |
| Memoranda: | ||
| Average total assets | $158,595,000 | 3,709 |
| Average earning assets | $147,581,500 | 3,667 |
| Average equity | $13,952,500 | 4,207 |
| Average total loans | $92,881,500 | 3,757 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6206% | 4,587 |
| Cost of funding earning assets | 1.1708% | 2,215 |
| Net interest margin | 3.4498% | 5,333 |
| Noninterest income to average assets | 0.2281% | 5,899 |
| Noninterest expense to average assets | 2.0452% | 6,591 |
| Loan and lease loss provision to assets | 0.2701% | 3,515 |
| Net operating income to assets | 0.8013% | 3,032 |
| Return on assets (ROA) | 0.7977% | 3,212 |
| Pretax return on assets | 1.1347% | 2,712 |
| Return on Equity (ROE) | 9.7161% | 2,152 |
| Retained earnings to average equity (ytd only) | 9.6773% | 635 |
| Net charge-offs to loans | 0.5335% | 2,872 |
| Credit loss provision to net charge-offs | 83.4646% | 4,305 |
| Earnings coverage of net charge-offs (x) | 4.3563% | 3,148 |
| Efficiency ratio | 59.1923% | 5,868 |
| Assets per employee ($millions) | 4.7337% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.3994% | 4,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 6,723 |
| Loan loss allowance to noncurrent loans | 19.8302% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 2.5709% | 2,359 |
| Noncurrent loans to loans | 4.0619% | 1,535 |
| Net loans and leases to total assets | 60.7815% | 3,833 |
| Net loans and leases to deposits | 67.0016% | 4,580 |
| Net loans and leases to core deposits | 67.8923% | 5,039 |
| Total domestic deposits to total assets | 90.7165% | 618 |
| Equity capital to assets | 8.8546% | 5,727 |
| Core capital (leverage) ratio | 8.3283% | 5,819 |
| Tier 1 risk-based capital ratio | 14.2503% | 4,146 |
| Total risk-based capital ratio | 15.0810% | 4,414 |
| Memoranda: | ||
| Average total assets | $156,951,800 | 3,682 |
| Average earning assets | $146,821,600 | 3,629 |
| Average equity | $12,885,800 | 4,358 |
| Average total loans | $95,215,800 | 3,740 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 5,099 |
| Cost of funding earning assets | 1.2216% | 2,177 |
| Net interest margin | 3.3254% | 5,784 |
| Noninterest income to average assets | 0.2444% | 5,871 |
| Noninterest expense to average assets | 2.0729% | 6,546 |
| Loan and lease loss provision to assets | 0.1052% | 5,132 |
| Net operating income to assets | 0.8286% | 3,030 |
| Return on assets (ROA) | 0.8239% | 3,215 |
| Pretax return on assets | 1.1777% | 2,703 |
| Return on Equity (ROE) | 10.2348% | 2,121 |
| Retained earnings to average equity (ytd only) | 10.1822% | 794 |
| Net charge-offs to loans | 0.3547% | 3,319 |
| Credit loss provision to net charge-offs | 49.0119% | 5,055 |
| Earnings coverage of net charge-offs (x) | 6.0080% | 2,639 |
| Efficiency ratio | 61.6452% | 5,469 |
| Assets per employee ($millions) | 4.7503% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.5152% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7561% | 6,884 |
| Loan loss allowance to noncurrent loans | 28.9705% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 1.7545% | 3,465 |
| Noncurrent loans to loans | 2.6098% | 2,661 |
| Net loans and leases to total assets | 62.6909% | 3,572 |
| Net loans and leases to deposits | 69.1902% | 4,426 |
| Net loans and leases to core deposits | 69.8617% | 4,961 |
| Total domestic deposits to total assets | 90.6066% | 586 |
| Equity capital to assets | 8.9684% | 5,793 |
| Core capital (leverage) ratio | 8.0877% | 6,299 |
| Tier 1 risk-based capital ratio | 13.9720% | 4,375 |
| Total risk-based capital ratio | 14.7555% | 4,699 |
| Memoranda: | ||
| Average total assets | $157,136,750 | 3,705 |
| Average earning assets | $147,346,250 | 3,642 |
| Average equity | $12,649,250 | 4,421 |
| Average total loans | $95,090,000 | 3,776 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5227% | 5,282 |
| Cost of funding earning assets | 1.2716% | 2,107 |
| Net interest margin | 3.2511% | 6,000 |
| Noninterest income to average assets | 0.2682% | 5,730 |
| Noninterest expense to average assets | 1.9957% | 6,807 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9049% | 2,615 |
| Return on assets (ROA) | 0.8902% | 2,788 |
| Pretax return on assets | 1.2931% | 2,157 |
| Return on Equity (ROE) | 11.4760% | 1,650 |
| Retained earnings to average equity (ytd only) | 11.4760% | 596 |
| Net charge-offs to loans | 0.0633% | 5,011 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 34.8000% | 825 |
| Efficiency ratio | 60.2891% | 5,826 |
| Assets per employee ($millions) | 4.8996% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 6,681 |
| Loan loss allowance to noncurrent loans | 36.8633% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 1.5849% | 3,819 |
| Noncurrent loans to loans | 2.4157% | 2,971 |
| Net loans and leases to total assets | 58.5632% | 4,535 |
| Net loans and leases to deposits | 64.2363% | 5,238 |
| Net loans and leases to core deposits | 65.3077% | 5,581 |
| Total domestic deposits to total assets | 91.1683% | 439 |
| Equity capital to assets | 8.4292% | 6,263 |
| Core capital (leverage) ratio | 7.8815% | 6,430 |
| Tier 1 risk-based capital ratio | 13.9319% | 4,219 |
| Total risk-based capital ratio | 14.8340% | 4,447 |
| Memoranda: | ||
| Average total assets | $158,845,330 | 3,700 |
| Average earning assets | $148,626,670 | 3,643 |
| Average equity | $12,321,330 | 4,470 |
| Average total loans | $94,779,000 | 3,821 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 5,106 |
| Cost of funding earning assets | 1.3219% | 2,059 |
| Net interest margin | 3.2427% | 5,944 |
| Noninterest income to average assets | 0.2227% | 6,139 |
| Noninterest expense to average assets | 2.0541% | 6,732 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7774% | 3,130 |
| Return on assets (ROA) | 0.7856% | 3,168 |
| Pretax return on assets | 1.1884% | 2,422 |
| Return on Equity (ROE) | 10.5777% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.5777% | 976 |
| Net charge-offs to loans | 0.1628% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 12.0513% | 1,517 |
| Efficiency ratio | 63.5941% | 5,430 |
| Assets per employee ($millions) | 5.0472% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 6,785 |
| Loan loss allowance to noncurrent loans | 40.2367% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 1.3820% | 4,215 |
| Noncurrent loans to loans | 2.1550% | 3,377 |
| Net loans and leases to total assets | 57.7605% | 4,678 |
| Net loans and leases to deposits | 62.6614% | 5,425 |
| Net loans and leases to core deposits | 63.9711% | 5,732 |
| Total domestic deposits to total assets | 92.1788% | 249 |
| Equity capital to assets | 7.5407% | 6,849 |
| Core capital (leverage) ratio | 7.5387% | 6,703 |
| Tier 1 risk-based capital ratio | 12.9429% | 4,869 |
| Total risk-based capital ratio | 13.8052% | 5,189 |
| Memoranda: | ||
| Average total assets | $159,874,000 | 3,712 |
| Average earning assets | $148,270,500 | 3,673 |
| Average equity | $11,874,000 | 4,583 |
| Average total loans | $95,846,000 | 3,840 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3373% | 2,947 |
| Cost of funding earning assets | 1.6204% | 1,949 |
| Net interest margin | 3.7169% | 4,280 |
| Noninterest income to average assets | 0.2586% | 5,951 |
| Noninterest expense to average assets | 2.0810% | 6,888 |
| Loan and lease loss provision to assets | 1.9246% | 700 |
| Net operating income to assets | -0.1862% | 6,103 |
| Return on assets (ROA) | 0.0122% | 5,933 |
| Pretax return on assets | -0.0373% | 5,937 |
| Return on Equity (ROE) | 0.1556% | 5,921 |
| Retained earnings to average equity (ytd only) | -2.0716% | 5,975 |
| Net charge-offs to loans | 2.9613% | 563 |
| Credit loss provision to net charge-offs | 104.4328% | 4,301 |
| Earnings coverage of net charge-offs (x) | 0.8558% | 5,277 |
| Efficiency ratio | 56.8841% | 6,475 |
| Assets per employee ($millions) | 4.9449% | 2,226 |
| Cash dividends to net income (ytd only)* | 1,431.5789% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 6,784 |
| Loan loss allowance to noncurrent loans | 35.5953% | 5,950 |
| Noncurrent assets plus other real estate owned to assets | 1.5837% | 3,929 |
| Noncurrent loans to loans | 2.4614% | 3,061 |
| Net loans and leases to total assets | 61.1307% | 4,463 |
| Net loans and leases to deposits | 66.0521% | 5,390 |
| Net loans and leases to core deposits | 70.4494% | 5,408 |
| Total domestic deposits to total assets | 92.5492% | 182 |
| Equity capital to assets | 7.3111% | 6,994 |
| Core capital (leverage) ratio | 7.4047% | 6,782 |
| Tier 1 risk-based capital ratio | 11.9791% | 5,494 |
| Total risk-based capital ratio | 12.8586% | 5,822 |
| Memoranda: | ||
| Average total assets | $155,457,800 | 3,783 |
| Average earning assets | $142,187,800 | 3,777 |
| Average equity | $12,213,000 | 4,552 |
| Average total loans | $96,748,400 | 3,879 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4015% | 2,874 |
| Cost of funding earning assets | 1.6563% | 2,066 |
| Net interest margin | 3.7452% | 4,207 |
| Noninterest income to average assets | 0.2929% | 5,786 |
| Noninterest expense to average assets | 2.1314% | 6,781 |
| Loan and lease loss provision to assets | 0.9451% | 1,586 |
| Net operating income to assets | 0.5052% | 4,290 |
| Return on assets (ROA) | 0.5160% | 4,427 |
| Pretax return on assets | 0.6530% | 4,414 |
| Return on Equity (ROE) | 6.4543% | 3,598 |
| Retained earnings to average equity (ytd only) | 3.5234% | 3,972 |
| Net charge-offs to loans | 1.3659% | 1,484 |
| Credit loss provision to net charge-offs | 110.9201% | 3,814 |
| Earnings coverage of net charge-offs (x) | 1.8595% | 4,311 |
| Efficiency ratio | 57.3615% | 6,367 |
| Assets per employee ($millions) | 5.1021% | 2,055 |
| Cash dividends to net income (ytd only)* | 45.4091% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 6,893 |
| Loan loss allowance to noncurrent loans | 17.3768% | 6,991 |
| Noncurrent assets plus other real estate owned to assets | 3.0080% | 2,414 |
| Noncurrent loans to loans | 4.8841% | 1,439 |
| Net loans and leases to total assets | 59.8204% | 4,945 |
| Net loans and leases to deposits | 65.1957% | 5,755 |
| Net loans and leases to core deposits | 70.1006% | 5,738 |
| Total domestic deposits to total assets | 91.7552% | 241 |
| Equity capital to assets | 7.7119% | 6,991 |
| Core capital (leverage) ratio | 7.6795% | 6,698 |
| Tier 1 risk-based capital ratio | 11.8170% | 5,623 |
| Total risk-based capital ratio | 12.6489% | 6,008 |
| Memoranda: | ||
| Average total assets | $154,762,750 | 3,846 |
| Average earning assets | $141,439,250 | 3,846 |
| Average equity | $12,374,000 | 4,579 |
| Average total loans | $96,538,750 | 3,953 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4324% | 2,830 |
| Cost of funding earning assets | 1.6876% | 2,179 |
| Net interest margin | 3.7448% | 4,162 |
| Noninterest income to average assets | 0.2764% | 5,937 |
| Noninterest expense to average assets | 2.1602% | 6,743 |
| Loan and lease loss provision to assets | 0.3278% | 3,776 |
| Net operating income to assets | 0.8596% | 2,694 |
| Return on assets (ROA) | 0.8596% | 2,837 |
| Pretax return on assets | 1.2032% | 2,404 |
| Return on Equity (ROE) | 10.6164% | 1,886 |
| Retained earnings to average equity (ytd only) | 6.7145% | 1,965 |
| Net charge-offs to loans | 0.1460% | 4,775 |
| Credit loss provision to net charge-offs | 355.7143% | 1,028 |
| Earnings coverage of net charge-offs (x) | 16.6143% | 1,391 |
| Efficiency ratio | 58.5235% | 6,301 |
| Assets per employee ($millions) | 4.7986% | 2,451 |
| Cash dividends to net income (ytd only)* | 36.7534% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 6,720 |
| Loan loss allowance to noncurrent loans | 17.3389% | 7,062 |
| Noncurrent assets plus other real estate owned to assets | 3.3665% | 2,087 |
| Noncurrent loans to loans | 5.2560% | 1,289 |
| Net loans and leases to total assets | 62.2765% | 4,629 |
| Net loans and leases to deposits | 69.0762% | 5,407 |
| Net loans and leases to core deposits | 72.0518% | 5,661 |
| Total domestic deposits to total assets | 90.1563% | 839 |
| Equity capital to assets | 7.9707% | 6,783 |
| Core capital (leverage) ratio | 7.8736% | 6,415 |
| Tier 1 risk-based capital ratio | 12.2621% | 5,067 |
| Total risk-based capital ratio | 13.1921% | 5,332 |
| Memoranda: | ||
| Average total assets | $151,928,000 | 3,920 |
| Average earning assets | $138,538,670 | 3,929 |
| Average equity | $12,301,670 | 4,593 |
| Average total loans | $95,884,000 | 4,019 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4627% | 2,769 |
| Cost of funding earning assets | 1.7490% | 2,129 |
| Net interest margin | 3.7137% | 4,171 |
| Noninterest income to average assets | 0.2448% | 6,194 |
| Noninterest expense to average assets | 2.2916% | 6,403 |
| Loan and lease loss provision to assets | 0.1937% | 4,563 |
| Net operating income to assets | 0.8553% | 2,732 |
| Return on assets (ROA) | 0.8553% | 2,821 |
| Pretax return on assets | 1.1862% | 2,410 |
| Return on Equity (ROE) | 10.4765% | 1,957 |
| Retained earnings to average equity (ytd only) | 2.5697% | 4,594 |
| Net charge-offs to loans | 0.0213% | 5,282 |
| Credit loss provision to net charge-offs | 1,440.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 102.6000% | 314 |
| Efficiency ratio | 62.4176% | 5,750 |
| Assets per employee ($millions) | 4.6885% | 2,665 |
| Cash dividends to net income (ytd only)* | 75.4717% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8287% | 7,055 |
| Loan loss allowance to noncurrent loans | 14.5285% | 7,221 |
| Noncurrent assets plus other real estate owned to assets | 3.6472% | 1,920 |
| Noncurrent loans to loans | 5.7041% | 1,193 |
| Net loans and leases to total assets | 63.4105% | 4,445 |
| Net loans and leases to deposits | 69.4515% | 5,415 |
| Net loans and leases to core deposits | 74.6668% | 5,423 |
| Total domestic deposits to total assets | 91.3019% | 441 |
| Equity capital to assets | 8.1303% | 6,506 |
| Core capital (leverage) ratio | 7.7179% | 6,603 |
| Tier 1 risk-based capital ratio | 12.4788% | 4,776 |
| Total risk-based capital ratio | 13.3323% | 5,076 |
| Memoranda: | ||
| Average total assets | $148,714,500 | 4,033 |
| Average earning assets | $137,220,500 | 4,011 |
| Average equity | $12,141,500 | 4,679 |
| Average total loans | $94,063,500 | 4,119 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3584% | 4,903 |
| Cost of funding earning assets | 2.0931% | 2,500 |
| Net interest margin | 3.2653% | 5,871 |
| Noninterest income to average assets | 0.1695% | 6,866 |
| Noninterest expense to average assets | 2.1465% | 7,090 |
| Loan and lease loss provision to assets | 0.3442% | 4,732 |
| Net operating income to assets | 0.5121% | 3,681 |
| Return on assets (ROA) | 0.5530% | 3,600 |
| Pretax return on assets | 0.7524% | 3,398 |
| Return on Equity (ROE) | 6.3827% | 3,039 |
| Retained earnings to average equity (ytd only) | 4.2999% | 2,215 |
| Net charge-offs to loans | 0.5337% | 3,647 |
| Credit loss provision to net charge-offs | 104.6460% | 5,287 |
| Earnings coverage of net charge-offs (x) | 3.1659% | 3,475 |
| Efficiency ratio | 67.3362% | 5,125 |
| Assets per employee ($millions) | 4.4666% | 2,985 |
| Cash dividends to net income (ytd only)* | 32.6316% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 7,157 |
| Loan loss allowance to noncurrent loans | 33.9236% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 1.7124% | 3,800 |
| Noncurrent loans to loans | 2.3276% | 3,259 |
| Net loans and leases to total assets | 62.0555% | 4,979 |
| Net loans and leases to deposits | 67.9756% | 5,829 |
| Net loans and leases to core deposits | 92.4909% | 4,829 |
| Total domestic deposits to total assets | 91.2909% | 438 |
| Equity capital to assets | 8.1989% | 6,349 |
| Core capital (leverage) ratio | 8.1913% | 5,826 |
| Tier 1 risk-based capital ratio | 12.8301% | 4,262 |
| Total risk-based capital ratio | 13.6390% | 4,570 |
| Memoranda: | ||
| Average total assets | $137,431,800 | 4,180 |
| Average earning assets | $127,034,000 | 4,155 |
| Average equity | $11,907,200 | 4,770 |
| Average total loans | $84,695,200 | 4,365 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3383% | 5,231 |
| Cost of funding earning assets | 2.1334% | 2,737 |
| Net interest margin | 3.2049% | 6,008 |
| Noninterest income to average assets | 0.1838% | 6,911 |
| Noninterest expense to average assets | 2.0996% | 7,198 |
| Loan and lease loss provision to assets | 0.1739% | 5,626 |
| Net operating income to assets | 0.6280% | 3,502 |
| Return on assets (ROA) | 0.6778% | 3,349 |
| Pretax return on assets | 0.9466% | 3,070 |
| Return on Equity (ROE) | 7.7102% | 2,766 |
| Retained earnings to average equity (ytd only) | 6.8223% | 1,582 |
| Net charge-offs to loans | 0.2109% | 4,714 |
| Credit loss provision to net charge-offs | 134.3511% | 3,705 |
| Earnings coverage of net charge-offs (x) | 8.1222% | 2,303 |
| Efficiency ratio | 66.6353% | 5,260 |
| Assets per employee ($millions) | 4.5701% | 2,749 |
| Cash dividends to net income (ytd only)* | 11.5160% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8572% | 6,932 |
| Loan loss allowance to noncurrent loans | 26.2478% | 6,702 |
| Noncurrent assets plus other real estate owned to assets | 1.9567% | 3,406 |
| Noncurrent loans to loans | 3.2658% | 2,320 |
| Net loans and leases to total assets | 57.6711% | 5,934 |
| Net loans and leases to deposits | 63.2118% | 6,566 |
| Net loans and leases to core deposits | 83.6990% | 6,064 |
| Total domestic deposits to total assets | 91.2348% | 332 |
| Equity capital to assets | 8.2056% | 6,634 |
| Core capital (leverage) ratio | 8.5054% | 5,480 |
| Tier 1 risk-based capital ratio | 12.8087% | 4,319 |
| Total risk-based capital ratio | 13.6361% | 4,584 |
| Memoranda: | ||
| Average total assets | $134,940,500 | 4,255 |
| Average earning assets | $124,931,000 | 4,227 |
| Average equity | $11,862,750 | 4,832 |
| Average total loans | $82,820,000 | 4,459 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4113% | 5,087 |
| Cost of funding earning assets | 2.2337% | 2,650 |
| Net interest margin | 3.1776% | 5,992 |
| Noninterest income to average assets | 0.2144% | 6,767 |
| Noninterest expense to average assets | 2.1134% | 7,246 |
| Loan and lease loss provision to assets | 0.1373% | 5,705 |
| Net operating income to assets | 0.6420% | 3,496 |
| Return on assets (ROA) | 0.6803% | 3,457 |
| Pretax return on assets | 0.9518% | 3,172 |
| Return on Equity (ROE) | 7.5436% | 2,951 |
| Retained earnings to average equity (ytd only) | 6.9962% | 1,591 |
| Net charge-offs to loans | 0.2537% | 3,931 |
| Credit loss provision to net charge-offs | 86.4078% | 5,016 |
| Earnings coverage of net charge-offs (x) | 6.5146% | 2,600 |
| Efficiency ratio | 67.1240% | 5,338 |
| Assets per employee ($millions) | 4.0712% | 3,554 |
| Cash dividends to net income (ytd only)* | 7.2562% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 7,007 |
| Loan loss allowance to noncurrent loans | 27.0809% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 2.0677% | 3,105 |
| Noncurrent loans to loans | 3.1115% | 2,301 |
| Net loans and leases to total assets | 60.7001% | 5,568 |
| Net loans and leases to deposits | 66.9298% | 6,300 |
| Net loans and leases to core deposits | 86.6373% | 5,840 |
| Total domestic deposits to total assets | 90.6922% | 559 |
| Equity capital to assets | 8.8166% | 5,573 |
| Core capital (leverage) ratio | 8.6305% | 5,211 |
| Tier 1 risk-based capital ratio | 13.7914% | 3,629 |
| Total risk-based capital ratio | 14.6266% | 3,822 |
| Memoranda: | ||
| Average total assets | $129,650,000 | 4,399 |
| Average earning assets | $119,712,330 | 4,379 |
| Average equity | $11,692,000 | 4,892 |
| Average total loans | $81,184,330 | 4,552 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8413% | 3,086 |
| Cost of funding earning assets | 2.2842% | 2,769 |
| Net interest margin | 3.5570% | 4,496 |
| Noninterest income to average assets | 0.1257% | 7,396 |
| Noninterest expense to average assets | 2.0738% | 7,184 |
| Loan and lease loss provision to assets | 0.1068% | 5,599 |
| Net operating income to assets | 0.8710% | 2,835 |
| Return on assets (ROA) | 0.8798% | 2,935 |
| Pretax return on assets | 1.2506% | 2,452 |
| Return on Equity (ROE) | 9.6423% | 2,475 |
| Retained earnings to average equity (ytd only) | 8.5403% | 1,620 |
| Net charge-offs to loans | 0.1389% | 3,849 |
| Credit loss provision to net charge-offs | 121.4286% | 3,245 |
| Earnings coverage of net charge-offs (x) | 15.2857% | 1,615 |
| Efficiency ratio | 60.6618% | 6,299 |
| Assets per employee ($millions) | 4.5471% | 2,648 |
| Cash dividends to net income (ytd only)* | 11.4286% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 6,861 |
| Loan loss allowance to noncurrent loans | 31.7878% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 1.9088% | 3,044 |
| Noncurrent loans to loans | 2.7478% | 2,385 |
| Net loans and leases to total assets | 61.3631% | 5,434 |
| Net loans and leases to deposits | 67.7209% | 6,211 |
| Net loans and leases to core deposits | 91.9240% | 5,350 |
| Total domestic deposits to total assets | 90.6117% | 551 |
| Equity capital to assets | 8.9326% | 5,431 |
| Core capital (leverage) ratio | 8.6518% | 5,252 |
| Tier 1 risk-based capital ratio | 13.4890% | 3,871 |
| Total risk-based capital ratio | 14.3400% | 4,037 |
| Memoranda: | ||
| Average total assets | $127,300,500 | 4,457 |
| Average earning assets | $117,850,500 | 4,432 |
| Average equity | $11,615,500 | 4,950 |
| Average total loans | $80,655,000 | 4,591 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9676% | 5,712 |
| Cost of funding earning assets | 2.7760% | 2,802 |
| Net interest margin | 3.1917% | 6,388 |
| Noninterest income to average assets | 0.3076% | 6,248 |
| Noninterest expense to average assets | 2.1764% | 7,030 |
| Loan and lease loss provision to assets | 0.1818% | 5,079 |
| Net operating income to assets | 0.6761% | 4,001 |
| Return on assets (ROA) | 0.6712% | 3,862 |
| Pretax return on assets | 0.9048% | 3,706 |
| Return on Equity (ROE) | 7.5061% | 3,278 |
| Retained earnings to average equity (ytd only) | 5.1420% | 1,938 |
| Net charge-offs to loans | 0.1314% | 4,913 |
| Credit loss provision to net charge-offs | 214.5631% | 2,251 |
| Earnings coverage of net charge-offs (x) | 12.9029% | 2,191 |
| Efficiency ratio | 66.5660% | 5,011 |
| Assets per employee ($millions) | 4.0912% | 3,325 |
| Cash dividends to net income (ytd only)* | 31.4951% | 4,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 6,744 |
| Loan loss allowance to noncurrent loans | 48.6579% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 1.4169% | 3,361 |
| Noncurrent loans to loans | 1.8235% | 3,025 |
| Net loans and leases to total assets | 64.3443% | 5,200 |
| Net loans and leases to deposits | 75.6925% | 5,628 |
| Net loans and leases to core deposits | 96.7937% | 5,170 |
| Total domestic deposits to total assets | 85.0075% | 2,841 |
| Equity capital to assets | 9.3307% | 4,900 |
| Core capital (leverage) ratio | 9.0550% | 4,664 |
| Tier 1 risk-based capital ratio | 13.5008% | 3,821 |
| Total risk-based capital ratio | 14.3658% | 3,959 |
| Memoranda: | ||
| Average total assets | $121,575,400 | 4,482 |
| Average earning assets | $112,825,000 | 4,451 |
| Average equity | $10,871,200 | 5,163 |
| Average total loans | $78,409,800 | 4,575 |