Home > Sentry Bank > Performance and Condition Ratios
Sentry 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 | 4.7423% | 2,591 |
| Cost of funding earning assets | 1.6507% | 1,568 |
| Net interest margin | 3.0916% | 3,110 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.0306% | 3,554 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7713% | 2,977 |
| Return on assets (ROA) | 0.7713% | 2,949 |
| Pretax return on assets | 1.0712% | 2,490 |
| Return on Equity (ROE) | 10.4400% | 2,374 |
| Retained earnings to average equity (ytd only) | 3.6895% | 3,058 |
| Net charge-offs to loans | 0.0041% | 2,583 |
| Credit loss provision to net charge-offs | 2,250.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 425.2500% | 334 |
| Efficiency ratio | 64.2271% | 2,583 |
| Assets per employee ($millions) | 8.4031% | 1,223 |
| Cash dividends to net income (ytd only)* | 64.6552% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 930 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.9800% | 2,371 |
| Net loans and leases to deposits | 77.5842% | 2,309 |
| Net loans and leases to core deposits | 83.7310% | 2,475 |
| Total domestic deposits to total assets | 83.7500% | 2,690 |
| Equity capital to assets | 7.9088% | 3,478 |
| Core capital (leverage) ratio | 9.0476% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $300,795,600 | 2,425 |
| Average earning assets | $282,665,800 | 2,398 |
| Average equity | $22,225,000 | 2,670 |
| Average total loans | $193,677,800 | 2,335 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6113% | 2,652 |
| Cost of funding earning assets | 1.5390% | 1,509 |
| Net interest margin | 3.0723% | 3,197 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.0767% | 3,407 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.7230% | 3,247 |
| Return on assets (ROA) | 0.7230% | 3,232 |
| Pretax return on assets | 0.9985% | 2,867 |
| Return on Equity (ROE) | 9.9700% | 2,642 |
| Retained earnings to average equity (ytd only) | 0.6583% | 4,019 |
| Net charge-offs to loans | -0.0120% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.2216% | 2,247 |
| Assets per employee ($millions) | 7.7212% | 1,499 |
| Cash dividends to net income (ytd only)* | 93.3998% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 865 |
| Loan loss allowance to noncurrent loans | 12,055.5556% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 3,769 |
| Noncurrent loans to loans | 0.0134% | 3,699 |
| Net loans and leases to total assets | 64.3600% | 2,402 |
| Net loans and leases to deposits | 76.0299% | 2,407 |
| Net loans and leases to core deposits | 81.5776% | 2,499 |
| Total domestic deposits to total assets | 84.6600% | 2,611 |
| Equity capital to assets | 6.4731% | 3,839 |
| Core capital (leverage) ratio | 8.8541% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $296,165,250 | 2,445 |
| Average earning assets | $278,090,750 | 2,428 |
| Average equity | $21,467,750 | 2,723 |
| Average total loans | $189,409,000 | 2,365 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4444% | 2,785 |
| Cost of funding earning assets | 1.3148% | 1,670 |
| Net interest margin | 3.1296% | 3,153 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.1251% | 3,281 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7337% | 3,261 |
| Return on assets (ROA) | 0.7337% | 3,270 |
| Pretax return on assets | 1.0187% | 2,861 |
| Return on Equity (ROE) | 9.7500% | 2,776 |
| Retained earnings to average equity (ytd only) | -3.9072% | 4,385 |
| Net charge-offs to loans | -0.0162% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.2962% | 2,195 |
| Assets per employee ($millions) | 7.9047% | 1,365 |
| Cash dividends to net income (ytd only)* | 140.0560% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 858 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 62.4000% | 2,539 |
| Net loans and leases to deposits | 74.4545% | 2,448 |
| Net loans and leases to core deposits | 79.7484% | 2,486 |
| Total domestic deposits to total assets | 83.8100% | 2,869 |
| Equity capital to assets | 7.1730% | 3,704 |
| Core capital (leverage) ratio | 9.1066% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $291,937,667 | 2,475 |
| Average earning assets | $273,962,333 | 2,457 |
| Average equity | $21,959,667 | 2,700 |
| Average total loans | $185,197,000 | 2,389 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 2,826 |
| Cost of funding earning assets | 1.0407% | 1,915 |
| Net interest margin | 3.2485% | 3,000 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.1680% | 3,195 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.7386% | 3,376 |
| Return on assets (ROA) | 0.7386% | 3,334 |
| Pretax return on assets | 1.0234% | 2,923 |
| Return on Equity (ROE) | 9.5800% | 2,902 |
| Retained earnings to average equity (ytd only) | -17.8403% | 4,580 |
| Net charge-offs to loans | -0.0156% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.6089% | 2,140 |
| Assets per employee ($millions) | 6.9163% | 2,034 |
| Cash dividends to net income (ytd only)* | 286.2595% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7445% | 730 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 62.6700% | 2,388 |
| Net loans and leases to deposits | 74.9735% | 2,214 |
| Net loans and leases to core deposits | 77.6980% | 2,410 |
| Total domestic deposits to total assets | 83.5800% | 3,179 |
| Equity capital to assets | 7.7463% | 3,414 |
| Core capital (leverage) ratio | 9.3249% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $283,765,500 | 2,540 |
| Average earning assets | $265,969,000 | 2,529 |
| Average equity | $21,883,000 | 2,728 |
| Average total loans | $180,009,000 | 2,450 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8712% | 2,059 |
| Cost of funding earning assets | 0.4256% | 1,898 |
| Net interest margin | 3.4455% | 2,113 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.0027% | 3,571 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1070% | 2,145 |
| Return on assets (ROA) | 1.1070% | 2,079 |
| Pretax return on assets | 1.4579% | 1,586 |
| Return on Equity (ROE) | 13.3700% | 1,688 |
| Retained earnings to average equity (ytd only) | 5.9533% | 2,664 |
| Net charge-offs to loans | -0.0088% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.0030% | 3,468 |
| Assets per employee ($millions) | 7.0991% | 1,895 |
| Cash dividends to net income (ytd only)* | 55.4851% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7319% | 764 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 62.0000% | 2,442 |
| Net loans and leases to deposits | 72.7376% | 2,349 |
| Net loans and leases to core deposits | 74.7236% | 2,520 |
| Total domestic deposits to total assets | 85.2400% | 2,925 |
| Equity capital to assets | 7.6771% | 3,273 |
| Core capital (leverage) ratio | 9.7250% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $284,922,000 | 2,529 |
| Average earning assets | $265,243,800 | 2,522 |
| Average equity | $23,583,400 | 2,666 |
| Average total loans | $169,674,000 | 2,459 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 1,883 |
| Cost of funding earning assets | 0.3411% | 1,777 |
| Net interest margin | 3.4123% | 1,938 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.9736% | 3,545 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0478% | 2,289 |
| Return on assets (ROA) | 1.0478% | 2,261 |
| Pretax return on assets | 1.4607% | 1,526 |
| Return on Equity (ROE) | 12.4300% | 1,899 |
| Retained earnings to average equity (ytd only) | 2.7244% | 3,855 |
| Net charge-offs to loans | -0.0088% | 3,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.4305% | 3,579 |
| Assets per employee ($millions) | 7.4099% | 1,669 |
| Cash dividends to net income (ytd only)* | 78.0901% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8486% | 664 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 59.7200% | 2,531 |
| Net loans and leases to deposits | 67.8380% | 2,543 |
| Net loans and leases to core deposits | 70.0335% | 2,641 |
| Total domestic deposits to total assets | 88.0400% | 2,423 |
| Equity capital to assets | 6.9053% | 3,566 |
| Core capital (leverage) ratio | 9.2080% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $285,162,000 | 2,546 |
| Average earning assets | $264,997,500 | 2,541 |
| Average equity | $24,029,250 | 2,686 |
| Average total loans | $167,301,750 | 2,478 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 1,715 |
| Cost of funding earning assets | 0.3474% | 1,290 |
| Net interest margin | 3.2942% | 1,928 |
| Noninterest income to average assets | 0.3739% | 2,905 |
| Noninterest expense to average assets | 1.9617% | 3,548 |
| Loan and lease loss provision to assets | 0.0623% | 1,481 |
| Net operating income to assets | 1.0158% | 2,097 |
| Return on assets (ROA) | 1.0158% | 2,067 |
| Pretax return on assets | 1.4029% | 1,431 |
| Return on Equity (ROE) | 11.4038% | 1,864 |
| Retained earnings to average equity (ytd only) | -2.1999% | 4,397 |
| Net charge-offs to loans | -0.0107% | 3,613 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2439% | 3,650 |
| Assets per employee ($millions) | 7.6369% | 1,527 |
| Cash dividends to net income (ytd only)* | 119.2911% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8213% | 784 |
| Loan loss allowance to noncurrent loans | 7,233.3333% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 3,872 |
| Noncurrent loans to loans | 0.0252% | 3,768 |
| Net loans and leases to total assets | 57.9558% | 2,543 |
| Net loans and leases to deposits | 66.2411% | 2,523 |
| Net loans and leases to core deposits | 68.1793% | 2,641 |
| Total domestic deposits to total assets | 87.4922% | 2,767 |
| Equity capital to assets | 7.6467% | 3,382 |
| Core capital (leverage) ratio | 8.9169% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,827,000 | 2,541 |
| Average earning assets | $267,680,000 | 2,553 |
| Average equity | $25,728,333 | 2,642 |
| Average total loans | $167,459,000 | 2,488 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3892% | 2,120 |
| Cost of funding earning assets | 0.3834% | 965 |
| Net interest margin | 3.0058% | 2,482 |
| Noninterest income to average assets | 0.3179% | 3,195 |
| Noninterest expense to average assets | 1.9702% | 3,507 |
| Loan and lease loss provision to assets | 0.0617% | 1,308 |
| Net operating income to assets | 0.7974% | 2,665 |
| Return on assets (ROA) | 0.7974% | 2,655 |
| Pretax return on assets | 1.0892% | 2,176 |
| Return on Equity (ROE) | 8.3774% | 2,558 |
| Retained earnings to average equity (ytd only) | -16.8124% | 4,666 |
| Net charge-offs to loans | -0.0072% | 3,470 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1255% | 3,130 |
| Assets per employee ($millions) | 7.1174% | 1,913 |
| Cash dividends to net income (ytd only)* | 300.6873% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7493% | 966 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.4904% | 2,356 |
| Net loans and leases to deposits | 66.5971% | 2,285 |
| Net loans and leases to core deposits | 68.5747% | 2,410 |
| Total domestic deposits to total assets | 86.3258% | 3,157 |
| Equity capital to assets | 8.1182% | 3,478 |
| Core capital (leverage) ratio | 8.6405% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,957,000 | 2,538 |
| Average earning assets | $272,273,000 | 2,538 |
| Average equity | $27,789,000 | 2,617 |
| Average total loans | $167,787,500 | 2,476 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5945% | 2,408 |
| Cost of funding earning assets | 0.4594% | 1,133 |
| Net interest margin | 3.1351% | 2,786 |
| Noninterest income to average assets | 0.5974% | 2,169 |
| Noninterest expense to average assets | 1.6204% | 4,402 |
| Loan and lease loss provision to assets | 0.0639% | 1,792 |
| Net operating income to assets | 1.2296% | 1,818 |
| Return on assets (ROA) | 1.2296% | 1,871 |
| Pretax return on assets | 1.8294% | 857 |
| Return on Equity (ROE) | 11.4804% | 1,990 |
| Retained earnings to average equity (ytd only) | 5.0289% | 2,775 |
| Net charge-offs to loans | 0.0994% | 859 |
| Credit loss provision to net charge-offs | 110.7784% | 1,705 |
| Earnings coverage of net charge-offs (x) | 32.8144% | 1,547 |
| Efficiency ratio | 46.1160% | 4,497 |
| Assets per employee ($millions) | 7.3026% | 1,723 |
| Cash dividends to net income (ytd only)* | 56.1956% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 55.4207% | 2,691 |
| Net loans and leases to deposits | 66.4075% | 2,474 |
| Net loans and leases to core deposits | 68.8527% | 2,569 |
| Total domestic deposits to total assets | 83.4554% | 3,706 |
| Equity capital to assets | 10.9167% | 1,843 |
| Core capital (leverage) ratio | 9.2953% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,438,000 | 2,486 |
| Average earning assets | $269,241,000 | 2,493 |
| Average equity | $31,000,600 | 2,472 |
| Average total loans | $167,935,000 | 2,484 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6444% | 2,439 |
| Cost of funding earning assets | 0.4793% | 1,162 |
| Net interest margin | 3.1652% | 2,843 |
| Noninterest income to average assets | 0.6773% | 1,900 |
| Noninterest expense to average assets | 1.5943% | 4,470 |
| Loan and lease loss provision to assets | 0.0762% | 1,528 |
| Net operating income to assets | 1.4004% | 1,544 |
| Return on assets (ROA) | 1.4004% | 1,603 |
| Pretax return on assets | 1.9494% | 867 |
| Return on Equity (ROE) | 13.1386% | 1,657 |
| Retained earnings to average equity (ytd only) | 4.4748% | 3,413 |
| Net charge-offs to loans | 0.1351% | 599 |
| Credit loss provision to net charge-offs | 96.4912% | 1,627 |
| Earnings coverage of net charge-offs (x) | 25.6550% | 1,613 |
| Efficiency ratio | 44.0434% | 4,585 |
| Assets per employee ($millions) | 7.0843% | 1,811 |
| Cash dividends to net income (ytd only)* | 65.9413% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 56.7719% | 2,641 |
| Net loans and leases to deposits | 68.3646% | 2,408 |
| Net loans and leases to core deposits | 71.8022% | 2,441 |
| Total domestic deposits to total assets | 83.0427% | 3,695 |
| Equity capital to assets | 11.1236% | 1,932 |
| Core capital (leverage) ratio | 9.1411% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,772,000 | 2,508 |
| Average earning assets | $268,457,500 | 2,515 |
| Average equity | $30,778,750 | 2,513 |
| Average total loans | $168,712,750 | 2,515 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5445% | 2,786 |
| Cost of funding earning assets | 0.5111% | 1,139 |
| Net interest margin | 3.0334% | 3,233 |
| Noninterest income to average assets | 0.7200% | 1,747 |
| Noninterest expense to average assets | 1.5535% | 4,569 |
| Loan and lease loss provision to assets | 0.0723% | 1,621 |
| Net operating income to assets | 1.3628% | 1,672 |
| Return on assets (ROA) | 1.3628% | 1,746 |
| Pretax return on assets | 1.9128% | 995 |
| Return on Equity (ROE) | 12.9703% | 1,726 |
| Retained earnings to average equity (ytd only) | -0.1310% | 4,528 |
| Net charge-offs to loans | 0.2008% | 429 |
| Credit loss provision to net charge-offs | 61.4035% | 1,553 |
| Earnings coverage of net charge-offs (x) | 16.8655% | 1,590 |
| Efficiency ratio | 43.9020% | 4,621 |
| Assets per employee ($millions) | 6.8553% | 1,906 |
| Cash dividends to net income (ytd only)* | 101.0101% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 976 |
| Loan loss allowance to noncurrent loans | 668.6183% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 3,223 |
| Noncurrent loans to loans | 0.2612% | 3,005 |
| Net loans and leases to total assets | 58.5735% | 2,594 |
| Net loans and leases to deposits | 70.7907% | 2,331 |
| Net loans and leases to core deposits | 75.3082% | 2,304 |
| Total domestic deposits to total assets | 82.7418% | 3,761 |
| Equity capital to assets | 11.2227% | 1,820 |
| Core capital (leverage) ratio | 8.5094% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0332% | 2,352 |
| Memoranda: | ||
| Average total assets | $290,572,333 | 2,493 |
| Average earning assets | $269,994,667 | 2,503 |
| Average equity | $30,531,333 | 2,511 |
| Average total loans | $170,353,667 | 2,510 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1382% | 3,807 |
| Cost of funding earning assets | 0.5350% | 1,182 |
| Net interest margin | 2.6032% | 4,144 |
| Noninterest income to average assets | 0.4164% | 3,008 |
| Noninterest expense to average assets | 1.5049% | 4,645 |
| Loan and lease loss provision to assets | 0.0603% | 1,916 |
| Net operating income to assets | 0.9292% | 3,049 |
| Return on assets (ROA) | 0.9292% | 3,122 |
| Pretax return on assets | 1.2746% | 2,639 |
| Return on Equity (ROE) | 9.1286% | 2,989 |
| Retained earnings to average equity (ytd only) | -17.1786% | 4,896 |
| Net charge-offs to loans | -0.0437% | 4,343 |
| Credit loss provision to net charge-offs | -236.8421% | 3,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9939% | 3,913 |
| Assets per employee ($millions) | 7.6051% | 1,396 |
| Cash dividends to net income (ytd only)* | 288.1844% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7454% | 950 |
| Loan loss allowance to noncurrent loans | 1,522.9592% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 3,904 |
| Noncurrent loans to loans | 0.1146% | 3,733 |
| Net loans and leases to total assets | 56.6546% | 2,964 |
| Net loans and leases to deposits | 68.2941% | 2,668 |
| Net loans and leases to core deposits | 72.5260% | 2,655 |
| Total domestic deposits to total assets | 82.9568% | 3,696 |
| Equity capital to assets | 9.9299% | 2,768 |
| Core capital (leverage) ratio | 7.6047% | 4,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4248% | 2,832 |
| Memoranda: | ||
| Average total assets | $298,753,000 | 2,446 |
| Average earning assets | $278,119,500 | 2,443 |
| Average equity | $30,410,000 | 2,512 |
| Average total loans | $173,795,500 | 2,486 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4059% | 1,578 |
| Cost of funding earning assets | 0.7524% | 1,434 |
| Net interest margin | 3.6535% | 1,969 |
| Noninterest income to average assets | 0.5528% | 2,410 |
| Noninterest expense to average assets | 1.8217% | 4,439 |
| Loan and lease loss provision to assets | 0.2197% | 1,782 |
| Net operating income to assets | 1.3508% | 1,123 |
| Return on assets (ROA) | 1.3508% | 1,218 |
| Pretax return on assets | 1.8776% | 580 |
| Return on Equity (ROE) | 12.1640% | 1,279 |
| Retained earnings to average equity (ytd only) | 8.7823% | 827 |
| Net charge-offs to loans | -0.0035% | 4,059 |
| Credit loss provision to net charge-offs | -9,750.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4833% | 4,692 |
| Assets per employee ($millions) | 7.5227% | 1,264 |
| Cash dividends to net income (ytd only)* | 27.8009% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 1,152 |
| Loan loss allowance to noncurrent loans | 1,490.3061% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 2,646 |
| Noncurrent loans to loans | 0.1110% | 3,845 |
| Net loans and leases to total assets | 57.7082% | 3,119 |
| Net loans and leases to deposits | 70.1047% | 2,872 |
| Net loans and leases to core deposits | 74.5434% | 2,859 |
| Total domestic deposits to total assets | 82.3171% | 3,589 |
| Equity capital to assets | 10.4245% | 2,737 |
| Core capital (leverage) ratio | 8.4749% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,295,000 | 2,483 |
| Average earning assets | $245,354,200 | 2,488 |
| Average equity | $29,570,800 | 2,494 |
| Average total loans | $173,003,600 | 2,464 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 1,380 |
| Cost of funding earning assets | 0.8079% | 1,461 |
| Net interest margin | 3.7673% | 1,717 |
| Noninterest income to average assets | 0.5025% | 2,609 |
| Noninterest expense to average assets | 1.9717% | 4,207 |
| Loan and lease loss provision to assets | 0.2096% | 1,917 |
| Net operating income to assets | 1.2741% | 1,413 |
| Return on assets (ROA) | 1.2741% | 1,523 |
| Pretax return on assets | 1.7864% | 802 |
| Return on Equity (ROE) | 11.2720% | 1,597 |
| Retained earnings to average equity (ytd only) | 6.6936% | 1,815 |
| Net charge-offs to loans | -0.0015% | 3,859 |
| Credit loss provision to net charge-offs | -20,250.0000% | 4,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6935% | 4,513 |
| Assets per employee ($millions) | 7.0347% | 1,476 |
| Cash dividends to net income (ytd only)* | 40.6174% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 1,587 |
| Loan loss allowance to noncurrent loans | 1,396.4286% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 2,705 |
| Noncurrent loans to loans | 0.1029% | 3,957 |
| Net loans and leases to total assets | 66.7302% | 2,420 |
| Net loans and leases to deposits | 85.7785% | 1,728 |
| Net loans and leases to core deposits | 94.8032% | 1,562 |
| Total domestic deposits to total assets | 77.7936% | 4,228 |
| Equity capital to assets | 10.7759% | 2,567 |
| Core capital (leverage) ratio | 8.2097% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,642,000 | 2,515 |
| Average earning assets | $236,982,000 | 2,529 |
| Average equity | $29,121,500 | 2,522 |
| Average total loans | $172,112,250 | 2,465 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 2,182 |
| Cost of funding earning assets | 0.8566% | 1,568 |
| Net interest margin | 3.5536% | 2,627 |
| Noninterest income to average assets | 0.5382% | 2,404 |
| Noninterest expense to average assets | 1.8813% | 4,441 |
| Loan and lease loss provision to assets | 0.1321% | 2,696 |
| Net operating income to assets | 1.2830% | 1,407 |
| Return on assets (ROA) | 1.2830% | 1,520 |
| Pretax return on assets | 1.7876% | 833 |
| Return on Equity (ROE) | 11.1555% | 1,584 |
| Retained earnings to average equity (ytd only) | 4.1920% | 2,823 |
| Net charge-offs to loans | -0.0133% | 4,288 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4943% | 4,533 |
| Assets per employee ($millions) | 6.8119% | 1,553 |
| Cash dividends to net income (ytd only)* | 62.4220% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 1,837 |
| Loan loss allowance to noncurrent loans | 1,187.6777% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 2,787 |
| Noncurrent loans to loans | 0.1126% | 4,002 |
| Net loans and leases to total assets | 67.8559% | 2,381 |
| Net loans and leases to deposits | 88.2286% | 1,531 |
| Net loans and leases to core deposits | 97.8798% | 1,421 |
| Total domestic deposits to total assets | 76.9092% | 4,322 |
| Equity capital to assets | 10.8457% | 2,466 |
| Core capital (leverage) ratio | 8.2382% | 4,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6456% | 3,056 |
| Memoranda: | ||
| Average total assets | $249,727,000 | 2,541 |
| Average earning assets | $229,288,000 | 2,558 |
| Average equity | $28,721,333 | 2,534 |
| Average total loans | $165,980,667 | 2,509 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5134% | 2,278 |
| Cost of funding earning assets | 0.9265% | 1,751 |
| Net interest margin | 3.5869% | 2,710 |
| Noninterest income to average assets | 0.4128% | 3,011 |
| Noninterest expense to average assets | 2.0390% | 4,326 |
| Loan and lease loss provision to assets | 0.0755% | 2,784 |
| Net operating income to assets | 1.1378% | 1,730 |
| Return on assets (ROA) | 1.1378% | 1,835 |
| Pretax return on assets | 1.5859% | 1,094 |
| Return on Equity (ROE) | 9.5810% | 1,885 |
| Retained earnings to average equity (ytd only) | -4.5503% | 4,483 |
| Net charge-offs to loans | -0.0155% | 4,230 |
| Credit loss provision to net charge-offs | -750.0000% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1020% | 4,295 |
| Assets per employee ($millions) | 5.9706% | 1,708 |
| Cash dividends to net income (ytd only)* | 147.4926% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 1,273 |
| Loan loss allowance to noncurrent loans | 801.3468% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 2,600 |
| Noncurrent loans to loans | 0.1897% | 3,794 |
| Net loans and leases to total assets | 64.5655% | 2,994 |
| Net loans and leases to deposits | 83.9301% | 2,239 |
| Net loans and leases to core deposits | 95.5603% | 1,837 |
| Total domestic deposits to total assets | 76.9278% | 4,362 |
| Equity capital to assets | 11.9653% | 2,095 |
| Core capital (leverage) ratio | 8.8321% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2672% | 2,168 |
| Memoranda: | ||
| Average total assets | $238,352,500 | 2,569 |
| Average earning assets | $218,462,500 | 2,584 |
| Average equity | $28,306,000 | 2,554 |
| Average total loans | $155,272,500 | 2,586 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 2,450 |
| Cost of funding earning assets | 0.9138% | 2,141 |
| Net interest margin | 3.7428% | 2,683 |
| Noninterest income to average assets | 0.5225% | 2,610 |
| Noninterest expense to average assets | 1.8809% | 4,683 |
| Loan and lease loss provision to assets | 0.2102% | 952 |
| Net operating income to assets | 1.3331% | 1,568 |
| Return on assets (ROA) | 1.3331% | 1,650 |
| Pretax return on assets | 1.8538% | 831 |
| Return on Equity (ROE) | 11.5154% | 1,686 |
| Retained earnings to average equity (ytd only) | 7.7324% | 1,070 |
| Net charge-offs to loans | -0.0639% | 4,868 |
| Credit loss provision to net charge-offs | -494.8454% | 4,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6798% | 4,846 |
| Assets per employee ($millions) | 5.9470% | 1,667 |
| Cash dividends to net income (ytd only)* | 32.8515% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 1,185 |
| Loan loss allowance to noncurrent loans | 1,188.7755% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 2,688 |
| Noncurrent loans to loans | 0.1273% | 4,012 |
| Net loans and leases to total assets | 63.7449% | 3,237 |
| Net loans and leases to deposits | 81.4946% | 2,617 |
| Net loans and leases to core deposits | 92.0943% | 2,227 |
| Total domestic deposits to total assets | 78.2198% | 4,324 |
| Equity capital to assets | 11.7857% | 2,293 |
| Core capital (leverage) ratio | 9.2397% | 4,331 |
| Tier 1 risk-based capital ratio | 12.1844% | 4,255 |
| Total risk-based capital ratio | 13.4356% | 4,140 |
| Memoranda: | ||
| Average total assets | $228,345,200 | 2,592 |
| Average earning assets | $208,802,600 | 2,614 |
| Average equity | $26,434,200 | 2,599 |
| Average total loans | $151,906,000 | 2,597 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 2,517 |
| Cost of funding earning assets | 0.9032% | 2,216 |
| Net interest margin | 3.7613% | 2,716 |
| Noninterest income to average assets | 0.5157% | 2,630 |
| Noninterest expense to average assets | 1.9029% | 4,696 |
| Loan and lease loss provision to assets | 0.2124% | 818 |
| Net operating income to assets | 1.3288% | 1,736 |
| Return on assets (ROA) | 1.3288% | 1,805 |
| Pretax return on assets | 1.8380% | 1,001 |
| Return on Equity (ROE) | 11.5335% | 1,793 |
| Retained earnings to average equity (ytd only) | 6.4120% | 2,166 |
| Net charge-offs to loans | 0.0123% | 2,922 |
| Credit loss provision to net charge-offs | 2,571.4286% | 155 |
| Earnings coverage of net charge-offs (x) | 248.1639% | 374 |
| Efficiency ratio | 48.1343% | 4,845 |
| Assets per employee ($millions) | 5.8894% | 1,683 |
| Cash dividends to net income (ytd only)* | 44.4050% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 1,696 |
| Loan loss allowance to noncurrent loans | 1,070.9184% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 2,434 |
| Noncurrent loans to loans | 0.1277% | 4,080 |
| Net loans and leases to total assets | 65.9010% | 3,062 |
| Net loans and leases to deposits | 85.2180% | 2,297 |
| Net loans and leases to core deposits | 96.4373% | 1,966 |
| Total domestic deposits to total assets | 77.3322% | 4,470 |
| Equity capital to assets | 11.8470% | 2,377 |
| Core capital (leverage) ratio | 9.2246% | 4,455 |
| Tier 1 risk-based capital ratio | 12.0872% | 4,376 |
| Total risk-based capital ratio | 13.3371% | 4,267 |
| Memoranda: | ||
| Average total assets | $225,961,250 | 2,633 |
| Average earning assets | $206,520,500 | 2,662 |
| Average equity | $26,033,750 | 2,641 |
| Average total loans | $151,390,750 | 2,635 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6603% | 2,484 |
| Cost of funding earning assets | 0.8678% | 2,311 |
| Net interest margin | 3.7925% | 2,602 |
| Noninterest income to average assets | 0.4664% | 2,868 |
| Noninterest expense to average assets | 1.9402% | 4,696 |
| Loan and lease loss provision to assets | 0.2136% | 784 |
| Net operating income to assets | 1.3920% | 1,455 |
| Return on assets (ROA) | 1.3920% | 1,511 |
| Pretax return on assets | 1.7782% | 1,091 |
| Return on Equity (ROE) | 12.1991% | 1,507 |
| Retained earnings to average equity (ytd only) | 4.3991% | 3,065 |
| Net charge-offs to loans | -0.0066% | 4,202 |
| Credit loss provision to net charge-offs | -4,800.0000% | 4,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3436% | 4,820 |
| Assets per employee ($millions) | 5.5242% | 1,941 |
| Cash dividends to net income (ytd only)* | 63.9386% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 1,927 |
| Loan loss allowance to noncurrent loans | 466.8224% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 1,989 |
| Noncurrent loans to loans | 0.2827% | 3,525 |
| Net loans and leases to total assets | 67.6007% | 2,875 |
| Net loans and leases to deposits | 88.9386% | 1,873 |
| Net loans and leases to core deposits | 98.5096% | 1,848 |
| Total domestic deposits to total assets | 76.0083% | 4,666 |
| Equity capital to assets | 11.9845% | 2,191 |
| Core capital (leverage) ratio | 9.0671% | 4,580 |
| Tier 1 risk-based capital ratio | 12.7418% | 3,985 |
| Total risk-based capital ratio | 13.9926% | 3,885 |
| Memoranda: | ||
| Average total assets | $224,719,330 | 2,653 |
| Average earning assets | $205,352,670 | 2,684 |
| Average equity | $25,641,330 | 2,663 |
| Average total loans | $150,699,330 | 2,652 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 2,820 |
| Cost of funding earning assets | 0.8110% | 2,474 |
| Net interest margin | 3.7017% | 2,889 |
| Noninterest income to average assets | 0.4854% | 2,641 |
| Noninterest expense to average assets | 1.9065% | 4,789 |
| Loan and lease loss provision to assets | 0.2118% | 740 |
| Net operating income to assets | 1.2904% | 1,732 |
| Return on assets (ROA) | 1.2904% | 1,774 |
| Pretax return on assets | 1.7511% | 1,095 |
| Return on Equity (ROE) | 11.5935% | 1,697 |
| Retained earnings to average equity (ytd only) | -4.2663% | 4,882 |
| Net charge-offs to loans | 0.0080% | 2,407 |
| Credit loss provision to net charge-offs | 4,000.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 370.6667% | 213 |
| Efficiency ratio | 49.2701% | 4,874 |
| Assets per employee ($millions) | 5.6341% | 1,855 |
| Cash dividends to net income (ytd only)* | 136.7989% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,360 |
| Loan loss allowance to noncurrent loans | 79.8122% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.5082% | 795 |
| Noncurrent loans to loans | 1.5583% | 1,026 |
| Net loans and leases to total assets | 65.8878% | 3,071 |
| Net loans and leases to deposits | 83.4057% | 2,450 |
| Net loans and leases to core deposits | 89.2919% | 2,576 |
| Total domestic deposits to total assets | 78.9967% | 4,350 |
| Equity capital to assets | 11.2431% | 2,607 |
| Core capital (leverage) ratio | 8.3646% | 5,080 |
| Tier 1 risk-based capital ratio | 12.1243% | 4,396 |
| Total risk-based capital ratio | 13.3558% | 4,291 |
| Memoranda: | ||
| Average total assets | $226,595,000 | 2,662 |
| Average earning assets | $207,147,500 | 2,699 |
| Average equity | $25,221,000 | 2,693 |
| Average total loans | $150,362,000 | 2,684 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3000% | 3,111 |
| Cost of funding earning assets | 0.7552% | 1,758 |
| Net interest margin | 3.5447% | 3,559 |
| Noninterest income to average assets | 0.3921% | 3,481 |
| Noninterest expense to average assets | 1.8290% | 4,978 |
| Loan and lease loss provision to assets | 0.3745% | 387 |
| Net operating income to assets | 0.9093% | 3,407 |
| Return on assets (ROA) | 0.9093% | 3,396 |
| Pretax return on assets | 1.4291% | 2,038 |
| Return on Equity (ROE) | 8.3847% | 3,278 |
| Retained earnings to average equity (ytd only) | 3.1375% | 3,822 |
| Net charge-offs to loans | 0.7770% | 200 |
| Credit loss provision to net charge-offs | 71.4286% | 2,971 |
| Earnings coverage of net charge-offs (x) | 3.4398% | 3,411 |
| Efficiency ratio | 50.3478% | 4,918 |
| Assets per employee ($millions) | 5.6956% | 1,776 |
| Cash dividends to net income (ytd only)* | 62.5806% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 2,740 |
| Loan loss allowance to noncurrent loans | 74.8186% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.5196% | 771 |
| Noncurrent loans to loans | 1.5582% | 955 |
| Net loans and leases to total assets | 65.2312% | 3,231 |
| Net loans and leases to deposits | 82.0183% | 2,727 |
| Net loans and leases to core deposits | 88.0931% | 2,744 |
| Total domestic deposits to total assets | 79.5325% | 4,207 |
| Equity capital to assets | 11.0190% | 2,670 |
| Core capital (leverage) ratio | 8.6647% | 4,909 |
| Tier 1 risk-based capital ratio | 12.7452% | 3,992 |
| Total risk-based capital ratio | 13.9413% | 3,905 |
| Memoranda: | ||
| Average total assets | $221,602,400 | 2,686 |
| Average earning assets | $202,582,000 | 2,702 |
| Average equity | $24,032,000 | 2,727 |
| Average total loans | $149,541,000 | 2,648 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 3,187 |
| Cost of funding earning assets | 0.7380% | 1,631 |
| Net interest margin | 3.4986% | 3,703 |
| Noninterest income to average assets | 0.3545% | 3,759 |
| Noninterest expense to average assets | 1.8820% | 4,933 |
| Loan and lease loss provision to assets | 0.4302% | 288 |
| Net operating income to assets | 0.7398% | 4,108 |
| Return on assets (ROA) | 0.7398% | 4,117 |
| Pretax return on assets | 1.2421% | 2,841 |
| Return on Equity (ROE) | 6.8505% | 3,984 |
| Retained earnings to average equity (ytd only) | -0.2244% | 5,062 |
| Net charge-offs to loans | 0.2562% | 655 |
| Credit loss provision to net charge-offs | 247.3868% | 1,192 |
| Earnings coverage of net charge-offs (x) | 9.6167% | 2,634 |
| Efficiency ratio | 52.9492% | 4,713 |
| Assets per employee ($millions) | 5.5271% | 1,890 |
| Cash dividends to net income (ytd only)* | 103.2759% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 937 |
| Loan loss allowance to noncurrent loans | 51.3829% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 2.6067% | 324 |
| Noncurrent loans to loans | 3.2402% | 320 |
| Net loans and leases to total assets | 67.0018% | 3,068 |
| Net loans and leases to deposits | 85.0531% | 2,468 |
| Net loans and leases to core deposits | 91.9651% | 2,485 |
| Total domestic deposits to total assets | 78.7765% | 4,362 |
| Equity capital to assets | 10.8732% | 2,776 |
| Core capital (leverage) ratio | 8.5099% | 5,090 |
| Tier 1 risk-based capital ratio | 12.2129% | 4,369 |
| Total risk-based capital ratio | 13.4680% | 4,255 |
| Memoranda: | ||
| Average total assets | $220,046,750 | 2,709 |
| Average earning assets | $201,255,750 | 2,724 |
| Average equity | $23,764,000 | 2,760 |
| Average total loans | $149,334,750 | 2,668 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 3,234 |
| Cost of funding earning assets | 0.7041% | 1,602 |
| Net interest margin | 3.4577% | 3,774 |
| Noninterest income to average assets | 0.3223% | 4,030 |
| Noninterest expense to average assets | 1.7988% | 5,094 |
| Loan and lease loss provision to assets | 0.5371% | 205 |
| Net operating income to assets | 0.6081% | 4,472 |
| Return on assets (ROA) | 0.6081% | 4,478 |
| Pretax return on assets | 1.1516% | 3,127 |
| Return on Equity (ROE) | 5.6437% | 4,365 |
| Retained earnings to average equity (ytd only) | -5.0101% | 5,292 |
| Net charge-offs to loans | 0.3774% | 419 |
| Credit loss provision to net charge-offs | 209.9644% | 1,261 |
| Earnings coverage of net charge-offs (x) | 6.6014% | 2,608 |
| Efficiency ratio | 51.5792% | 4,932 |
| Assets per employee ($millions) | 5.4463% | 1,948 |
| Cash dividends to net income (ytd only)* | 188.7725% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 1,115 |
| Loan loss allowance to noncurrent loans | 43.1740% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 2.5453% | 341 |
| Noncurrent loans to loans | 3.7033% | 255 |
| Net loans and leases to total assets | 67.6325% | 2,923 |
| Net loans and leases to deposits | 85.8843% | 2,329 |
| Net loans and leases to core deposits | 93.1063% | 2,299 |
| Total domestic deposits to total assets | 78.7483% | 4,470 |
| Equity capital to assets | 10.6931% | 2,939 |
| Core capital (leverage) ratio | 8.1128% | 5,307 |
| Tier 1 risk-based capital ratio | 11.9935% | 4,501 |
| Total risk-based capital ratio | 13.2485% | 4,376 |
| Memoranda: | ||
| Average total assets | $219,700,670 | 2,731 |
| Average earning assets | $201,114,330 | 2,745 |
| Average equity | $23,672,330 | 2,779 |
| Average total loans | $148,900,000 | 2,676 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9629% | 3,745 |
| Cost of funding earning assets | 0.6753% | 1,563 |
| Net interest margin | 3.2876% | 4,225 |
| Noninterest income to average assets | 0.3408% | 3,871 |
| Noninterest expense to average assets | 1.7441% | 5,209 |
| Loan and lease loss provision to assets | 0.2176% | 730 |
| Net operating income to assets | 0.6871% | 4,146 |
| Return on assets (ROA) | 0.6871% | 4,150 |
| Pretax return on assets | 1.3888% | 2,052 |
| Return on Equity (ROE) | 6.3535% | 4,034 |
| Retained earnings to average equity (ytd only) | -14.7856% | 5,454 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0563% | 4,960 |
| Assets per employee ($millions) | 5.5954% | 1,850 |
| Cash dividends to net income (ytd only)* | 332.7177% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,538 |
| Loan loss allowance to noncurrent loans | 35.2518% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 2.8664% | 286 |
| Noncurrent loans to loans | 4.1945% | 226 |
| Net loans and leases to total assets | 67.3266% | 2,848 |
| Net loans and leases to deposits | 84.1823% | 2,371 |
| Net loans and leases to core deposits | 88.0551% | 2,628 |
| Total domestic deposits to total assets | 79.9771% | 4,420 |
| Equity capital to assets | 10.5879% | 2,983 |
| Core capital (leverage) ratio | 7.9064% | 5,412 |
| Tier 1 risk-based capital ratio | 11.8741% | 4,625 |
| Total risk-based capital ratio | 13.1276% | 4,509 |
| Memoranda: | ||
| Average total assets | $220,625,500 | 2,750 |
| Average earning assets | $201,973,000 | 2,767 |
| Average equity | $23,861,000 | 2,788 |
| Average total loans | $148,484,000 | 2,706 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 2,432 |
| Cost of funding earning assets | 0.6185% | 1,481 |
| Net interest margin | 3.6505% | 2,986 |
| Noninterest income to average assets | 0.4152% | 3,530 |
| Noninterest expense to average assets | 1.7451% | 5,286 |
| Loan and lease loss provision to assets | 0.4674% | 289 |
| Net operating income to assets | 1.5305% | 752 |
| Return on assets (ROA) | 1.5534% | 727 |
| Pretax return on assets | 1.5543% | 1,438 |
| Return on Equity (ROE) | 13.8078% | 787 |
| Retained earnings to average equity (ytd only) | 3.5121% | 3,174 |
| Net charge-offs to loans | 0.3586% | 707 |
| Credit loss provision to net charge-offs | 199.6016% | 1,368 |
| Earnings coverage of net charge-offs (x) | 8.5359% | 2,899 |
| Efficiency ratio | 46.6110% | 5,376 |
| Assets per employee ($millions) | 5.7187% | 1,736 |
| Cash dividends to net income (ytd only)* | 74.5646% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 1,725 |
| Loan loss allowance to noncurrent loans | 199.9041% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 3,002 |
| Noncurrent loans to loans | 0.7055% | 2,445 |
| Net loans and leases to total assets | 65.3532% | 3,178 |
| Net loans and leases to deposits | 80.9070% | 2,826 |
| Net loans and leases to core deposits | 84.3522% | 3,032 |
| Total domestic deposits to total assets | 80.7758% | 4,176 |
| Equity capital to assets | 11.0375% | 2,597 |
| Core capital (leverage) ratio | 8.4301% | 5,200 |
| Tier 1 risk-based capital ratio | 12.1930% | 4,399 |
| Total risk-based capital ratio | 13.4446% | 4,295 |
| Memoranda: | ||
| Average total assets | $214,372,800 | 2,771 |
| Average earning assets | $195,478,400 | 2,809 |
| Average equity | $24,116,800 | 2,741 |
| Average total loans | $139,983,800 | 2,782 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2421% | 2,465 |
| Cost of funding earning assets | 0.6049% | 1,498 |
| Net interest margin | 3.6372% | 3,007 |
| Noninterest income to average assets | 0.4178% | 3,570 |
| Noninterest expense to average assets | 1.8189% | 5,253 |
| Loan and lease loss provision to assets | 0.2262% | 813 |
| Net operating income to assets | 1.6845% | 596 |
| Return on assets (ROA) | 1.7153% | 575 |
| Pretax return on assets | 1.7165% | 1,079 |
| Return on Equity (ROE) | 15.1715% | 631 |
| Retained earnings to average equity (ytd only) | 1.3727% | 4,857 |
| Net charge-offs to loans | 0.0029% | 3,648 |
| Credit loss provision to net charge-offs | 12,000.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 1,014.3075% | 97 |
| Efficiency ratio | 48.7538% | 5,309 |
| Assets per employee ($millions) | 5.6109% | 1,817 |
| Cash dividends to net income (ytd only)* | 90.9522% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 2,169 |
| Loan loss allowance to noncurrent loans | 863.1111% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 4,725 |
| Noncurrent loans to loans | 0.1551% | 4,440 |
| Net loans and leases to total assets | 65.4272% | 3,187 |
| Net loans and leases to deposits | 81.4369% | 2,836 |
| Net loans and leases to core deposits | 84.6089% | 3,081 |
| Total domestic deposits to total assets | 80.3409% | 4,243 |
| Equity capital to assets | 11.2176% | 2,650 |
| Core capital (leverage) ratio | 8.2980% | 5,371 |
| Tier 1 risk-based capital ratio | 12.0305% | 4,587 |
| Total risk-based capital ratio | 13.2812% | 4,486 |
| Memoranda: | ||
| Average total assets | $212,208,250 | 2,820 |
| Average earning assets | $193,296,250 | 2,857 |
| Average equity | $23,991,750 | 2,782 |
| Average total loans | $138,019,000 | 2,824 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 2,708 |
| Cost of funding earning assets | 0.5865% | 1,534 |
| Net interest margin | 3.5559% | 3,198 |
| Noninterest income to average assets | 0.4162% | 3,589 |
| Noninterest expense to average assets | 1.8181% | 5,290 |
| Loan and lease loss provision to assets | 0.2286% | 758 |
| Net operating income to assets | 1.6009% | 709 |
| Return on assets (ROA) | 1.6476% | 651 |
| Pretax return on assets | 1.6495% | 1,196 |
| Return on Equity (ROE) | 14.5337% | 729 |
| Retained earnings to average equity (ytd only) | -2.6799% | 5,397 |
| Net charge-offs to loans | 0.0044% | 3,331 |
| Credit loss provision to net charge-offs | 8,000.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 641.0000% | 122 |
| Efficiency ratio | 49.8173% | 5,316 |
| Assets per employee ($millions) | 5.4647% | 1,908 |
| Cash dividends to net income (ytd only)* | 118.4393% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 2,326 |
| Loan loss allowance to noncurrent loans | 809.7778% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 4,776 |
| Noncurrent loans to loans | 0.1626% | 4,467 |
| Net loans and leases to total assets | 64.0558% | 3,379 |
| Net loans and leases to deposits | 79.9191% | 2,917 |
| Net loans and leases to core deposits | 81.8781% | 3,263 |
| Total domestic deposits to total assets | 80.1508% | 4,372 |
| Equity capital to assets | 11.2705% | 2,524 |
| Core capital (leverage) ratio | 8.2670% | 5,378 |
| Tier 1 risk-based capital ratio | 12.2005% | 4,488 |
| Total risk-based capital ratio | 13.4513% | 4,374 |
| Memoranda: | ||
| Average total assets | $210,002,670 | 2,863 |
| Average earning assets | $190,951,330 | 2,897 |
| Average equity | $23,806,670 | 2,805 |
| Average total loans | $135,654,330 | 2,861 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0439% | 2,885 |
| Cost of funding earning assets | 0.5726% | 1,561 |
| Net interest margin | 3.4713% | 3,385 |
| Noninterest income to average assets | 0.4164% | 3,554 |
| Noninterest expense to average assets | 1.8441% | 5,312 |
| Loan and lease loss provision to assets | 0.2303% | 675 |
| Net operating income to assets | 1.4911% | 823 |
| Return on assets (ROA) | 1.4911% | 852 |
| Pretax return on assets | 1.4949% | 1,545 |
| Return on Equity (ROE) | 13.1139% | 974 |
| Retained earnings to average equity (ytd only) | -9.9916% | 5,580 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6667% | 5,281 |
| Assets per employee ($millions) | 5.3809% | 1,999 |
| Cash dividends to net income (ytd only)* | 176.1905% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 2,719 |
| Loan loss allowance to noncurrent loans | 668.6275% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 4,775 |
| Noncurrent loans to loans | 0.1892% | 4,446 |
| Net loans and leases to total assets | 63.4089% | 3,345 |
| Net loans and leases to deposits | 78.2652% | 2,943 |
| Net loans and leases to core deposits | 80.1899% | 3,281 |
| Total domestic deposits to total assets | 81.0180% | 4,411 |
| Equity capital to assets | 11.2267% | 2,411 |
| Core capital (leverage) ratio | 8.1309% | 5,492 |
| Tier 1 risk-based capital ratio | 12.1990% | 4,581 |
| Total risk-based capital ratio | 13.4489% | 4,483 |
| Memoranda: | ||
| Average total assets | $208,443,000 | 2,903 |
| Average earning assets | $189,321,500 | 2,940 |
| Average equity | $23,700,000 | 2,823 |
| Average total loans | $134,312,000 | 2,899 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2178% | 2,432 |
| Cost of funding earning assets | 0.5767% | 1,506 |
| Net interest margin | 3.6411% | 2,925 |
| Noninterest income to average assets | 0.3795% | 4,037 |
| Noninterest expense to average assets | 1.7579% | 5,514 |
| Loan and lease loss provision to assets | 0.2312% | 936 |
| Net operating income to assets | 1.6857% | 563 |
| Return on assets (ROA) | 1.6857% | 593 |
| Pretax return on assets | 1.6866% | 1,037 |
| Return on Equity (ROE) | 14.7330% | 661 |
| Retained earnings to average equity (ytd only) | 4.8324% | 2,454 |
| Net charge-offs to loans | 0.1545% | 1,721 |
| Credit loss provision to net charge-offs | 242.4242% | 1,199 |
| Earnings coverage of net charge-offs (x) | 20.1111% | 1,871 |
| Efficiency ratio | 47.8249% | 5,579 |
| Assets per employee ($millions) | 5.3084% | 2,047 |
| Cash dividends to net income (ytd only)* | 67.2000% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 3,210 |
| Loan loss allowance to noncurrent loans | 401.2658% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 4,558 |
| Noncurrent loans to loans | 0.2951% | 4,090 |
| Net loans and leases to total assets | 63.8877% | 3,371 |
| Net loans and leases to deposits | 79.7571% | 2,909 |
| Net loans and leases to core deposits | 81.7673% | 3,226 |
| Total domestic deposits to total assets | 80.1028% | 4,553 |
| Equity capital to assets | 11.5153% | 2,156 |
| Core capital (leverage) ratio | 8.3851% | 5,380 |
| Tier 1 risk-based capital ratio | 12.6141% | 4,315 |
| Total risk-based capital ratio | 13.7849% | 4,250 |
| Memoranda: | ||
| Average total assets | $207,631,000 | 2,883 |
| Average earning assets | $187,966,000 | 2,915 |
| Average equity | $23,756,200 | 2,821 |
| Average total loans | $128,163,600 | 2,949 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 2,480 |
| Cost of funding earning assets | 0.5738% | 1,522 |
| Net interest margin | 3.6369% | 2,935 |
| Noninterest income to average assets | 0.3536% | 4,257 |
| Noninterest expense to average assets | 1.7486% | 5,578 |
| Loan and lease loss provision to assets | 0.2310% | 861 |
| Net operating income to assets | 1.6671% | 639 |
| Return on assets (ROA) | 1.6671% | 678 |
| Pretax return on assets | 1.6684% | 1,204 |
| Return on Equity (ROE) | 14.5939% | 721 |
| Retained earnings to average equity (ytd only) | 1.3819% | 4,956 |
| Net charge-offs to loans | 0.0147% | 3,438 |
| Credit loss provision to net charge-offs | 2,571.4286% | 193 |
| Earnings coverage of net charge-offs (x) | 211.3856% | 355 |
| Efficiency ratio | 47.9332% | 5,597 |
| Assets per employee ($millions) | 5.6008% | 1,757 |
| Cash dividends to net income (ytd only)* | 90.5312% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 3,085 |
| Loan loss allowance to noncurrent loans | 213.1783% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 3,780 |
| Noncurrent loans to loans | 0.5756% | 3,277 |
| Net loans and leases to total assets | 62.4065% | 3,601 |
| Net loans and leases to deposits | 77.5892% | 3,231 |
| Net loans and leases to core deposits | 79.7192% | 3,473 |
| Total domestic deposits to total assets | 80.4320% | 4,410 |
| Equity capital to assets | 11.4090% | 2,589 |
| Core capital (leverage) ratio | 7.8074% | 5,759 |
| Tier 1 risk-based capital ratio | 11.7422% | 4,957 |
| Total risk-based capital ratio | 12.9400% | 4,887 |
| Memoranda: | ||
| Average total assets | $207,781,500 | 2,892 |
| Average earning assets | $188,216,000 | 2,927 |
| Average equity | $23,735,250 | 2,840 |
| Average total loans | $126,741,750 | 2,977 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 2,541 |
| Cost of funding earning assets | 0.5654% | 1,573 |
| Net interest margin | 3.6241% | 3,003 |
| Noninterest income to average assets | 0.3202% | 4,491 |
| Noninterest expense to average assets | 1.7720% | 5,625 |
| Loan and lease loss provision to assets | 0.2329% | 863 |
| Net operating income to assets | 1.5915% | 738 |
| Return on assets (ROA) | 1.5915% | 781 |
| Pretax return on assets | 1.5934% | 1,390 |
| Return on Equity (ROE) | 13.9260% | 848 |
| Retained earnings to average equity (ytd only) | -2.0549% | 5,553 |
| Net charge-offs to loans | -0.0016% | 4,350 |
| Credit loss provision to net charge-offs | -24,000.0000% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2449% | 5,607 |
| Assets per employee ($millions) | 5.5379% | 1,759 |
| Cash dividends to net income (ytd only)* | 114.7561% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,501 |
| Loan loss allowance to noncurrent loans | 195.6907% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4234% | 3,811 |
| Noncurrent loans to loans | 0.6000% | 3,265 |
| Net loans and leases to total assets | 61.7586% | 3,651 |
| Net loans and leases to deposits | 78.1567% | 3,142 |
| Net loans and leases to core deposits | 80.6146% | 3,403 |
| Total domestic deposits to total assets | 79.0189% | 4,782 |
| Equity capital to assets | 11.3770% | 2,671 |
| Core capital (leverage) ratio | 7.8768% | 5,792 |
| Tier 1 risk-based capital ratio | 11.5806% | 5,102 |
| Total risk-based capital ratio | 12.7206% | 5,061 |
| Memoranda: | ||
| Average total assets | $206,098,000 | 2,919 |
| Average earning assets | $186,419,670 | 2,969 |
| Average equity | $23,553,000 | 2,868 |
| Average total loans | $124,165,330 | 3,019 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1351% | 2,710 |
| Cost of funding earning assets | 0.5662% | 1,571 |
| Net interest margin | 3.5689% | 3,209 |
| Noninterest income to average assets | 0.2785% | 4,720 |
| Noninterest expense to average assets | 1.8183% | 5,630 |
| Loan and lease loss provision to assets | 0.2354% | 775 |
| Net operating income to assets | 1.4476% | 948 |
| Return on assets (ROA) | 1.4476% | 993 |
| Pretax return on assets | 1.4515% | 1,744 |
| Return on Equity (ROE) | 12.6378% | 1,120 |
| Retained earnings to average equity (ytd only) | -8.9732% | 5,777 |
| Net charge-offs to loans | -0.0033% | 4,194 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8747% | 5,522 |
| Assets per employee ($millions) | 5.3498% | 1,982 |
| Cash dividends to net income (ytd only)* | 171.0027% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 3,634 |
| Loan loss allowance to noncurrent loans | 106.4275% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 2,942 |
| Noncurrent loans to loans | 1.1036% | 2,195 |
| Net loans and leases to total assets | 58.9351% | 3,927 |
| Net loans and leases to deposits | 73.2350% | 3,526 |
| Net loans and leases to core deposits | 75.3372% | 3,747 |
| Total domestic deposits to total assets | 80.4740% | 4,643 |
| Equity capital to assets | 11.5287% | 2,419 |
| Core capital (leverage) ratio | 7.6691% | 5,883 |
| Tier 1 risk-based capital ratio | 12.2762% | 4,734 |
| Total risk-based capital ratio | 13.4110% | 4,706 |
| Memoranda: | ||
| Average total assets | $203,926,000 | 2,940 |
| Average earning assets | $184,372,000 | 3,002 |
| Average equity | $23,358,500 | 2,888 |
| Average total loans | $120,493,000 | 3,079 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 2,700 |
| Cost of funding earning assets | 0.5443% | 1,812 |
| Net interest margin | 3.6187% | 3,062 |
| Noninterest income to average assets | 0.4398% | 3,749 |
| Noninterest expense to average assets | 1.7823% | 5,759 |
| Loan and lease loss provision to assets | 0.2582% | 729 |
| Net operating income to assets | 1.6537% | 627 |
| Return on assets (ROA) | 1.6537% | 647 |
| Pretax return on assets | 1.6547% | 1,097 |
| Return on Equity (ROE) | 14.1124% | 826 |
| Retained earnings to average equity (ytd only) | 0.9701% | 5,132 |
| Net charge-offs to loans | 0.3681% | 791 |
| Credit loss provision to net charge-offs | 120.9639% | 2,130 |
| Earnings coverage of net charge-offs (x) | 8.9614% | 2,881 |
| Efficiency ratio | 48.2322% | 5,833 |
| Assets per employee ($millions) | 5.3831% | 1,919 |
| Cash dividends to net income (ytd only)* | 93.1260% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 4,108 |
| Loan loss allowance to noncurrent loans | 165.1458% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 3,507 |
| Noncurrent loans to loans | 0.6589% | 3,216 |
| Net loans and leases to total assets | 57.9041% | 4,101 |
| Net loans and leases to deposits | 72.6510% | 3,651 |
| Net loans and leases to core deposits | 74.6242% | 3,880 |
| Total domestic deposits to total assets | 79.7017% | 4,821 |
| Equity capital to assets | 11.3806% | 2,464 |
| Core capital (leverage) ratio | 8.1045% | 5,772 |
| Tier 1 risk-based capital ratio | 12.1747% | 4,841 |
| Total risk-based capital ratio | 13.1706% | 4,907 |
| Memoranda: | ||
| Average total assets | $194,414,600 | 3,000 |
| Average earning assets | $174,897,800 | 3,051 |
| Average equity | $22,781,400 | 2,897 |
| Average total loans | $112,752,000 | 3,157 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 2,696 |
| Cost of funding earning assets | 0.5409% | 1,878 |
| Net interest margin | 3.6243% | 3,059 |
| Noninterest income to average assets | 0.3356% | 4,547 |
| Noninterest expense to average assets | 1.8254% | 5,745 |
| Loan and lease loss provision to assets | 0.1390% | 1,597 |
| Net operating income to assets | 1.6288% | 719 |
| Return on assets (ROA) | 1.6288% | 745 |
| Pretax return on assets | 1.6302% | 1,295 |
| Return on Equity (ROE) | 13.7939% | 943 |
| Retained earnings to average equity (ytd only) | -3.8251% | 5,981 |
| Net charge-offs to loans | 0.1670% | 1,484 |
| Credit loss provision to net charge-offs | 143.8849% | 1,736 |
| Earnings coverage of net charge-offs (x) | 18.3164% | 2,006 |
| Efficiency ratio | 50.7829% | 5,737 |
| Assets per employee ($millions) | 5.1442% | 2,118 |
| Cash dividends to net income (ytd only)* | 127.7302% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 4,223 |
| Loan loss allowance to noncurrent loans | 62.5061% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.2349% | 1,900 |
| Noncurrent loans to loans | 1.7611% | 1,352 |
| Net loans and leases to total assets | 58.6902% | 4,057 |
| Net loans and leases to deposits | 74.6158% | 3,463 |
| Net loans and leases to core deposits | 76.5112% | 3,738 |
| Total domestic deposits to total assets | 78.6565% | 5,060 |
| Equity capital to assets | 11.7419% | 2,314 |
| Core capital (leverage) ratio | 7.9993% | 5,904 |
| Tier 1 risk-based capital ratio | 11.9223% | 5,129 |
| Total risk-based capital ratio | 12.9334% | 5,200 |
| Memoranda: | ||
| Average total assets | $191,878,500 | 3,056 |
| Average earning assets | $172,536,500 | 3,106 |
| Average equity | $22,656,750 | 2,926 |
| Average total loans | $111,002,250 | 3,210 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1816% | 2,613 |
| Cost of funding earning assets | 0.5458% | 1,858 |
| Net interest margin | 3.6358% | 2,957 |
| Noninterest income to average assets | 0.3606% | 4,363 |
| Noninterest expense to average assets | 1.8573% | 5,772 |
| Loan and lease loss provision to assets | 0.1258% | 1,760 |
| Net operating income to assets | 1.6362% | 700 |
| Return on assets (ROA) | 1.6362% | 727 |
| Pretax return on assets | 1.6383% | 1,226 |
| Return on Equity (ROE) | 13.7575% | 953 |
| Retained earnings to average equity (ytd only) | -9.2187% | 6,160 |
| Net charge-offs to loans | 0.2540% | 1,022 |
| Credit loss provision to net charge-offs | 86.3309% | 2,255 |
| Earnings coverage of net charge-offs (x) | 12.1079% | 2,240 |
| Efficiency ratio | 51.2880% | 5,771 |
| Assets per employee ($millions) | 5.1577% | 2,085 |
| Cash dividends to net income (ytd only)* | 167.0083% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 4,498 |
| Loan loss allowance to noncurrent loans | 39,900.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 5,233 |
| Noncurrent loans to loans | 0.0027% | 5,769 |
| Net loans and leases to total assets | 58.0970% | 4,089 |
| Net loans and leases to deposits | 72.9384% | 3,624 |
| Net loans and leases to core deposits | 74.8121% | 3,878 |
| Total domestic deposits to total assets | 79.6522% | 4,939 |
| Equity capital to assets | 11.6461% | 2,293 |
| Core capital (leverage) ratio | 7.9892% | 5,937 |
| Tier 1 risk-based capital ratio | 12.5941% | 4,747 |
| Total risk-based capital ratio | 13.6129% | 4,803 |
| Memoranda: | ||
| Average total assets | $190,813,330 | 3,091 |
| Average earning assets | $171,129,330 | 3,153 |
| Average equity | $22,693,000 | 2,939 |
| Average total loans | $109,470,000 | 3,260 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 2,397 |
| Cost of funding earning assets | 0.5514% | 1,829 |
| Net interest margin | 3.6628% | 2,765 |
| Noninterest income to average assets | 0.3438% | 4,448 |
| Noninterest expense to average assets | 1.9119% | 5,742 |
| Loan and lease loss provision to assets | 0.1258% | 1,649 |
| Net operating income to assets | 1.5786% | 737 |
| Return on assets (ROA) | 1.5786% | 772 |
| Pretax return on assets | 1.5786% | 1,320 |
| Return on Equity (ROE) | 13.1373% | 1,052 |
| Retained earnings to average equity (ytd only) | -21.6513% | 6,286 |
| Net charge-offs to loans | 0.0629% | 2,119 |
| Credit loss provision to net charge-offs | 352.9412% | 723 |
| Earnings coverage of net charge-offs (x) | 47.8235% | 859 |
| Efficiency ratio | 52.8696% | 5,757 |
| Assets per employee ($millions) | 5.1389% | 2,181 |
| Cash dividends to net income (ytd only)* | 264.8074% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 4,855 |
| Loan loss allowance to noncurrent loans | 517.9372% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 5,118 |
| Noncurrent loans to loans | 0.1993% | 5,064 |
| Net loans and leases to total assets | 58.2406% | 3,910 |
| Net loans and leases to deposits | 73.2845% | 3,394 |
| Net loans and leases to core deposits | 74.6953% | 3,717 |
| Total domestic deposits to total assets | 79.4719% | 5,178 |
| Equity capital to assets | 11.8024% | 2,195 |
| Core capital (leverage) ratio | 7.7702% | 6,039 |
| Tier 1 risk-based capital ratio | 13.2081% | 4,492 |
| Total risk-based capital ratio | 14.2529% | 4,521 |
| Memoranda: | ||
| Average total assets | $190,802,000 | 3,111 |
| Average earning assets | $170,470,500 | 3,172 |
| Average equity | $22,927,000 | 2,935 |
| Average total loans | $108,171,500 | 3,299 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 2,562 |
| Cost of funding earning assets | 0.5416% | 2,276 |
| Net interest margin | 3.7704% | 2,731 |
| Noninterest income to average assets | 0.3824% | 4,321 |
| Noninterest expense to average assets | 1.9399% | 5,881 |
| Loan and lease loss provision to assets | 0.0658% | 3,182 |
| Net operating income to assets | 1.7248% | 552 |
| Return on assets (ROA) | 1.7248% | 563 |
| Pretax return on assets | 1.7259% | 929 |
| Return on Equity (ROE) | 14.1145% | 915 |
| Retained earnings to average equity (ytd only) | 3.0887% | 4,042 |
| Net charge-offs to loans | 0.0477% | 3,870 |
| Credit loss provision to net charge-offs | 260.8696% | 983 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 700 |
| Efficiency ratio | 51.9847% | 5,985 |
| Assets per employee ($millions) | 5.6313% | 1,665 |
| Cash dividends to net income (ytd only)* | 78.1170% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 4,198 |
| Loan loss allowance to noncurrent loans | 478.7402% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 5,135 |
| Noncurrent loans to loans | 0.2432% | 4,960 |
| Net loans and leases to total assets | 53.9179% | 4,592 |
| Net loans and leases to deposits | 68.6419% | 4,061 |
| Net loans and leases to core deposits | 69.5450% | 4,363 |
| Total domestic deposits to total assets | 78.5496% | 5,337 |
| Equity capital to assets | 12.2283% | 1,841 |
| Core capital (leverage) ratio | 8.8076% | 5,237 |
| Tier 1 risk-based capital ratio | 14.8379% | 3,574 |
| Total risk-based capital ratio | 15.9767% | 3,574 |
| Memoranda: | ||
| Average total assets | $182,278,800 | 3,183 |
| Average earning assets | $161,919,600 | 3,252 |
| Average equity | $22,275,000 | 2,916 |
| Average total loans | $96,368,200 | 3,492 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3317% | 2,494 |
| Cost of funding earning assets | 0.5383% | 2,388 |
| Net interest margin | 3.7934% | 2,644 |
| Noninterest income to average assets | 0.3460% | 4,672 |
| Noninterest expense to average assets | 1.9009% | 5,948 |
| Loan and lease loss provision to assets | 0.0889% | 2,578 |
| Net operating income to assets | 1.7320% | 579 |
| Return on assets (ROA) | 1.7320% | 594 |
| Pretax return on assets | 1.7335% | 1,009 |
| Return on Equity (ROE) | 14.1755% | 955 |
| Retained earnings to average equity (ytd only) | -0.7154% | 5,915 |
| Net charge-offs to loans | 0.0339% | 3,808 |
| Credit loss provision to net charge-offs | 500.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 102.4975% | 580 |
| Efficiency ratio | 51.0545% | 6,047 |
| Assets per employee ($millions) | 5.1316% | 2,099 |
| Cash dividends to net income (ytd only)* | 105.0467% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 4,849 |
| Loan loss allowance to noncurrent loans | 777.5362% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 3,697 |
| Noncurrent loans to loans | 0.1387% | 5,510 |
| Net loans and leases to total assets | 53.2811% | 4,665 |
| Net loans and leases to deposits | 67.7265% | 4,162 |
| Net loans and leases to core deposits | 68.8353% | 4,429 |
| Total domestic deposits to total assets | 78.6710% | 5,400 |
| Equity capital to assets | 12.1339% | 1,956 |
| Core capital (leverage) ratio | 8.4901% | 5,669 |
| Tier 1 risk-based capital ratio | 14.5469% | 3,859 |
| Total risk-based capital ratio | 15.5848% | 3,926 |
| Memoranda: | ||
| Average total assets | $179,982,250 | 3,236 |
| Average earning assets | $160,240,750 | 3,302 |
| Average equity | $21,990,500 | 2,953 |
| Average total loans | $94,347,750 | 3,572 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3633% | 2,318 |
| Cost of funding earning assets | 0.5262% | 2,572 |
| Net interest margin | 3.8372% | 2,428 |
| Noninterest income to average assets | 0.3094% | 4,940 |
| Noninterest expense to average assets | 1.9126% | 5,979 |
| Loan and lease loss provision to assets | 0.1345% | 1,838 |
| Net operating income to assets | 1.6693% | 618 |
| Return on assets (ROA) | 1.6693% | 652 |
| Pretax return on assets | 1.6716% | 1,081 |
| Return on Equity (ROE) | 13.6301% | 1,023 |
| Retained earnings to average equity (ytd only) | -5.3001% | 6,253 |
| Net charge-offs to loans | 0.0475% | 3,301 |
| Credit loss provision to net charge-offs | 545.4545% | 549 |
| Earnings coverage of net charge-offs (x) | 73.2273% | 709 |
| Efficiency ratio | 51.4320% | 6,101 |
| Assets per employee ($millions) | 5.1953% | 1,975 |
| Cash dividends to net income (ytd only)* | 138.8852% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 3,309 |
| Loan loss allowance to noncurrent loans | 959.4406% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.7617% | 3,683 |
| Noncurrent loans to loans | 0.1467% | 5,565 |
| Net loans and leases to total assets | 52.8377% | 4,657 |
| Net loans and leases to deposits | 67.9313% | 4,061 |
| Net loans and leases to core deposits | 68.5816% | 4,405 |
| Total domestic deposits to total assets | 77.7811% | 5,680 |
| Equity capital to assets | 12.1439% | 1,887 |
| Core capital (leverage) ratio | 8.6593% | 5,460 |
| Tier 1 risk-based capital ratio | 14.3117% | 4,055 |
| Total risk-based capital ratio | 15.5626% | 3,988 |
| Memoranda: | ||
| Average total assets | $178,396,670 | 3,268 |
| Average earning assets | $158,502,330 | 3,346 |
| Average equity | $21,848,670 | 2,965 |
| Average total loans | $92,629,000 | 3,622 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1486% | 3,083 |
| Cost of funding earning assets | 0.5141% | 2,766 |
| Net interest margin | 3.6345% | 3,122 |
| Noninterest income to average assets | 0.3011% | 4,948 |
| Noninterest expense to average assets | 1.8837% | 6,094 |
| Loan and lease loss provision to assets | 0.1358% | 1,784 |
| Net operating income to assets | 1.5146% | 788 |
| Return on assets (ROA) | 1.5146% | 826 |
| Pretax return on assets | 1.5146% | 1,389 |
| Return on Equity (ROE) | 12.3136% | 1,338 |
| Retained earnings to average equity (ytd only) | -14.6696% | 6,462 |
| Net charge-offs to loans | 0.0355% | 2,894 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 91.1250% | 492 |
| Efficiency ratio | 53.2992% | 6,068 |
| Assets per employee ($millions) | 4.9247% | 2,344 |
| Cash dividends to net income (ytd only)* | 219.1330% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 3,230 |
| Loan loss allowance to noncurrent loans | 123.8095% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7995% | 3,741 |
| Noncurrent loans to loans | 1.1957% | 3,048 |
| Net loans and leases to total assets | 51.1972% | 4,766 |
| Net loans and leases to deposits | 66.0648% | 4,088 |
| Net loans and leases to core deposits | 66.5631% | 4,443 |
| Total domestic deposits to total assets | 77.4954% | 5,900 |
| Equity capital to assets | 12.4886% | 1,581 |
| Core capital (leverage) ratio | 8.4888% | 5,659 |
| Tier 1 risk-based capital ratio | 14.9793% | 3,720 |
| Total risk-based capital ratio | 16.2031% | 3,689 |
| Memoranda: | ||
| Average total assets | $176,677,000 | 3,313 |
| Average earning assets | $157,160,000 | 3,387 |
| Average equity | $21,732,000 | 2,967 |
| Average total loans | $90,218,500 | 3,696 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 2,388 |
| Cost of funding earning assets | 0.5654% | 2,971 |
| Net interest margin | 3.8864% | 2,342 |
| Noninterest income to average assets | 0.4403% | 4,157 |
| Noninterest expense to average assets | 1.7678% | 6,374 |
| Loan and lease loss provision to assets | 0.1422% | 2,531 |
| Net operating income to assets | 1.9018% | 394 |
| Return on assets (ROA) | 1.9018% | 410 |
| Pretax return on assets | 1.9029% | 596 |
| Return on Equity (ROE) | 14.6638% | 818 |
| Retained earnings to average equity (ytd only) | 5.9313% | 2,011 |
| Net charge-offs to loans | 0.0470% | 4,565 |
| Credit loss provision to net charge-offs | 585.3659% | 403 |
| Earnings coverage of net charge-offs (x) | 84.1707% | 533 |
| Efficiency ratio | 46.3631% | 6,542 |
| Assets per employee ($millions) | 5.1711% | 1,987 |
| Cash dividends to net income (ytd only)* | 59.5513% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 3,642 |
| Loan loss allowance to noncurrent loans | 100.5521% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.9415% | 3,546 |
| Noncurrent loans to loans | 1.3955% | 2,801 |
| Net loans and leases to total assets | 49.5002% | 5,136 |
| Net loans and leases to deposits | 63.2131% | 4,591 |
| Net loans and leases to core deposits | 63.8437% | 4,884 |
| Total domestic deposits to total assets | 78.3070% | 5,777 |
| Equity capital to assets | 12.1212% | 1,729 |
| Core capital (leverage) ratio | 9.1799% | 4,749 |
| Tier 1 risk-based capital ratio | 15.6472% | 3,282 |
| Total risk-based capital ratio | 16.8675% | 3,256 |
| Memoranda: | ||
| Average total assets | $168,738,400 | 3,430 |
| Average earning assets | $146,433,400 | 3,567 |
| Average equity | $21,883,800 | 2,936 |
| Average total loans | $87,298,200 | 3,751 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5295% | 2,122 |
| Cost of funding earning assets | 0.5884% | 2,916 |
| Net interest margin | 3.9411% | 2,141 |
| Noninterest income to average assets | 0.4724% | 3,988 |
| Noninterest expense to average assets | 1.7480% | 6,412 |
| Loan and lease loss provision to assets | 0.1449% | 2,471 |
| Net operating income to assets | 1.9741% | 379 |
| Return on assets (ROA) | 1.9741% | 388 |
| Pretax return on assets | 1.9757% | 605 |
| Return on Equity (ROE) | 14.9545% | 805 |
| Retained earnings to average equity (ytd only) | 3.3043% | 4,325 |
| Net charge-offs to loans | 0.0633% | 4,006 |
| Credit loss provision to net charge-offs | 439.0244% | 604 |
| Earnings coverage of net charge-offs (x) | 64.2628% | 712 |
| Efficiency ratio | 45.1841% | 6,624 |
| Assets per employee ($millions) | 4.9951% | 2,167 |
| Cash dividends to net income (ytd only)* | 77.9048% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 4,113 |
| Loan loss allowance to noncurrent loans | 202.5000% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 4,239 |
| Noncurrent loans to loans | 0.6684% | 4,530 |
| Net loans and leases to total assets | 52.1368% | 4,861 |
| Net loans and leases to deposits | 67.2466% | 4,147 |
| Net loans and leases to core deposits | 68.2312% | 4,506 |
| Total domestic deposits to total assets | 77.5307% | 5,968 |
| Equity capital to assets | 12.7432% | 1,454 |
| Core capital (leverage) ratio | 8.9551% | 5,191 |
| Tier 1 risk-based capital ratio | 15.0892% | 3,691 |
| Total risk-based capital ratio | 16.3395% | 3,646 |
| Memoranda: | ||
| Average total assets | $165,675,750 | 3,512 |
| Average earning assets | $142,764,000 | 3,657 |
| Average equity | $21,870,250 | 2,978 |
| Average total loans | $86,406,500 | 3,801 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 1,555 |
| Cost of funding earning assets | 0.6182% | 2,784 |
| Net interest margin | 4.0864% | 1,581 |
| Noninterest income to average assets | 0.5271% | 3,652 |
| Noninterest expense to average assets | 1.8857% | 6,247 |
| Loan and lease loss provision to assets | 0.1461% | 2,511 |
| Net operating income to assets | 1.9855% | 366 |
| Return on assets (ROA) | 1.9855% | 390 |
| Pretax return on assets | 1.9879% | 622 |
| Return on Equity (ROE) | 14.8635% | 830 |
| Retained earnings to average equity (ytd only) | 2.0140% | 4,989 |
| Net charge-offs to loans | 0.0094% | 4,698 |
| Credit loss provision to net charge-offs | 3,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 438.2500% | 110 |
| Efficiency ratio | 46.9110% | 6,591 |
| Assets per employee ($millions) | 5.1473% | 1,938 |
| Cash dividends to net income (ytd only)* | 86.4500% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 4,105 |
| Loan loss allowance to noncurrent loans | 178.7106% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.8148% | 4,192 |
| Noncurrent loans to loans | 0.7752% | 4,366 |
| Net loans and leases to total assets | 51.5114% | 4,927 |
| Net loans and leases to deposits | 67.6118% | 4,064 |
| Net loans and leases to core deposits | 68.6517% | 4,435 |
| Total domestic deposits to total assets | 76.1871% | 6,234 |
| Equity capital to assets | 12.9474% | 1,367 |
| Core capital (leverage) ratio | 8.9773% | 5,031 |
| Tier 1 risk-based capital ratio | 15.1408% | 3,686 |
| Total risk-based capital ratio | 16.3917% | 3,644 |
| Memoranda: | ||
| Average total assets | $164,290,330 | 3,552 |
| Average earning assets | $140,416,000 | 3,715 |
| Average equity | $21,946,330 | 2,994 |
| Average total loans | $85,288,670 | 3,845 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8922% | 1,107 |
| Cost of funding earning assets | 0.6666% | 2,513 |
| Net interest margin | 4.2256% | 1,128 |
| Noninterest income to average assets | 0.6948% | 2,619 |
| Noninterest expense to average assets | 1.8747% | 6,317 |
| Loan and lease loss provision to assets | 0.1463% | 2,415 |
| Net operating income to assets | 2.2233% | 231 |
| Return on assets (ROA) | 2.2233% | 256 |
| Pretax return on assets | 2.2282% | 391 |
| Return on Equity (ROE) | 16.3907% | 567 |
| Retained earnings to average equity (ytd only) | 1.1323% | 5,396 |
| Net charge-offs to loans | 0.0707% | 3,133 |
| Credit loss provision to net charge-offs | 400.0000% | 633 |
| Earnings coverage of net charge-offs (x) | 64.9333% | 551 |
| Efficiency ratio | 44.1193% | 6,773 |
| Assets per employee ($millions) | 5.2350% | 1,940 |
| Cash dividends to net income (ytd only)* | 93.0921% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 4,672 |
| Loan loss allowance to noncurrent loans | 142.4396% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 1.1055% | 3,722 |
| Noncurrent loans to loans | 0.9155% | 4,304 |
| Net loans and leases to total assets | 52.2799% | 4,670 |
| Net loans and leases to deposits | 69.9857% | 3,486 |
| Net loans and leases to core deposits | 71.3518% | 3,904 |
| Total domestic deposits to total assets | 74.7008% | 6,489 |
| Equity capital to assets | 13.6783% | 1,147 |
| Core capital (leverage) ratio | 9.0307% | 4,835 |
| Tier 1 risk-based capital ratio | 15.3382% | 3,630 |
| Total risk-based capital ratio | 16.5736% | 3,596 |
| Memoranda: | ||
| Average total assets | $164,079,000 | 3,590 |
| Average earning assets | $138,015,000 | 3,793 |
| Average equity | $22,256,500 | 2,999 |
| Average total loans | $84,914,000 | 3,870 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6695% | 2,710 |
| Cost of funding earning assets | 0.8878% | 2,008 |
| Net interest margin | 3.7817% | 3,310 |
| Noninterest income to average assets | 0.3877% | 4,705 |
| Noninterest expense to average assets | 2.1094% | 6,104 |
| Loan and lease loss provision to assets | 0.0753% | 4,782 |
| Net operating income to assets | 1.4405% | 1,025 |
| Return on assets (ROA) | 1.4405% | 1,149 |
| Pretax return on assets | 1.4418% | 1,886 |
| Return on Equity (ROE) | 10.6137% | 1,936 |
| Retained earnings to average equity (ytd only) | 2.2603% | 4,648 |
| Net charge-offs to loans | 0.2318% | 3,548 |
| Credit loss provision to net charge-offs | 59.6059% | 4,457 |
| Earnings coverage of net charge-offs (x) | 12.0099% | 1,973 |
| Efficiency ratio | 58.1675% | 5,805 |
| Assets per employee ($millions) | 5.3507% | 1,841 |
| Cash dividends to net income (ytd only)* | 78.7041% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 4,724 |
| Loan loss allowance to noncurrent loans | 186.1592% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 1.2534% | 3,553 |
| Noncurrent loans to loans | 0.6892% | 4,817 |
| Net loans and leases to total assets | 49.9108% | 5,179 |
| Net loans and leases to deposits | 65.3433% | 4,378 |
| Net loans and leases to core deposits | 66.3493% | 4,706 |
| Total domestic deposits to total assets | 76.3824% | 6,306 |
| Equity capital to assets | 13.4531% | 1,250 |
| Core capital (leverage) ratio | 9.0472% | 4,822 |
| Tier 1 risk-based capital ratio | 15.1971% | 3,612 |
| Total risk-based capital ratio | 16.3771% | 3,601 |
| Memoranda: | ||
| Average total assets | $160,705,600 | 3,614 |
| Average earning assets | $137,637,200 | 3,761 |
| Average equity | $21,811,400 | 2,999 |
| Average total loans | $87,592,200 | 3,809 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8342% | 2,269 |
| Cost of funding earning assets | 0.9401% | 1,913 |
| Net interest margin | 3.8941% | 2,930 |
| Noninterest income to average assets | 0.3847% | 4,749 |
| Noninterest expense to average assets | 1.8149% | 6,663 |
| Loan and lease loss provision to assets | 0.1204% | 4,043 |
| Net operating income to assets | 1.8116% | 553 |
| Return on assets (ROA) | 1.8116% | 622 |
| Pretax return on assets | 1.8133% | 1,007 |
| Return on Equity (ROE) | 13.3173% | 1,263 |
| Retained earnings to average equity (ytd only) | 2.1151% | 5,266 |
| Net charge-offs to loans | 0.3675% | 2,637 |
| Credit loss provision to net charge-offs | 59.0164% | 4,174 |
| Earnings coverage of net charge-offs (x) | 9.4753% | 2,318 |
| Efficiency ratio | 48.4159% | 6,695 |
| Assets per employee ($millions) | 5.3426% | 1,792 |
| Cash dividends to net income (ytd only)* | 84.1180% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3991% | 1,362 |
| Loan loss allowance to noncurrent loans | 405.6818% | 924 |
| Noncurrent assets plus other real estate owned to assets | 1.1854% | 3,923 |
| Noncurrent loans to loans | 0.5914% | 5,259 |
| Net loans and leases to total assets | 54.3677% | 4,698 |
| Net loans and leases to deposits | 70.0865% | 3,885 |
| Net loans and leases to core deposits | 72.3262% | 4,207 |
| Total domestic deposits to total assets | 77.5722% | 6,148 |
| Equity capital to assets | 14.0025% | 1,157 |
| Core capital (leverage) ratio | 8.8473% | 5,273 |
| Tier 1 risk-based capital ratio | 13.9417% | 4,574 |
| Total risk-based capital ratio | 15.2128% | 4,503 |
| Memoranda: | ||
| Average total assets | $159,414,000 | 3,670 |
| Average earning assets | $137,710,250 | 3,797 |
| Average equity | $21,685,500 | 3,037 |
| Average total loans | $88,524,250 | 3,830 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8897% | 2,151 |
| Cost of funding earning assets | 1.0005% | 1,758 |
| Net interest margin | 3.8892% | 2,956 |
| Noninterest income to average assets | 0.3557% | 4,990 |
| Noninterest expense to average assets | 1.8287% | 6,718 |
| Loan and lease loss provision to assets | 0.1533% | 3,605 |
| Net operating income to assets | 1.7031% | 665 |
| Return on assets (ROA) | 1.7031% | 749 |
| Pretax return on assets | 1.7056% | 1,240 |
| Return on Equity (ROE) | 12.6441% | 1,460 |
| Retained earnings to average equity (ytd only) | -1.5024% | 6,289 |
| Net charge-offs to loans | 0.4622% | 2,218 |
| Credit loss provision to net charge-offs | 59.8039% | 3,803 |
| Earnings coverage of net charge-offs (x) | 7.2500% | 2,513 |
| Efficiency ratio | 49.5910% | 6,672 |
| Assets per employee ($millions) | 5.9684% | 1,258 |
| Cash dividends to net income (ytd only)* | 111.8819% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4052% | 1,403 |
| Loan loss allowance to noncurrent loans | 365.6514% | 989 |
| Noncurrent assets plus other real estate owned to assets | 1.2467% | 3,922 |
| Noncurrent loans to loans | 0.6578% | 5,189 |
| Net loans and leases to total assets | 54.4143% | 4,729 |
| Net loans and leases to deposits | 70.6344% | 3,801 |
| Net loans and leases to core deposits | 73.2403% | 4,134 |
| Total domestic deposits to total assets | 77.0365% | 6,316 |
| Equity capital to assets | 13.4225% | 1,332 |
| Core capital (leverage) ratio | 8.7124% | 5,357 |
| Tier 1 risk-based capital ratio | 13.2700% | 4,985 |
| Total risk-based capital ratio | 14.5264% | 4,948 |
| Memoranda: | ||
| Average total assets | $159,125,670 | 3,683 |
| Average earning assets | $136,327,330 | 3,838 |
| Average equity | $21,433,000 | 3,055 |
| Average total loans | $88,271,670 | 3,845 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8847% | 2,305 |
| Cost of funding earning assets | 1.0683% | 1,572 |
| Net interest margin | 3.8165% | 3,307 |
| Noninterest income to average assets | 0.3694% | 4,918 |
| Noninterest expense to average assets | 1.8543% | 6,729 |
| Loan and lease loss provision to assets | 0.1543% | 3,446 |
| Net operating income to assets | 1.6545% | 788 |
| Return on assets (ROA) | 1.6545% | 881 |
| Pretax return on assets | 1.6596% | 1,405 |
| Return on Equity (ROE) | 12.2618% | 1,595 |
| Retained earnings to average equity (ytd only) | -8.3620% | 6,777 |
| Net charge-offs to loans | -0.0366% | 6,419 |
| Credit loss provision to net charge-offs | -762.5000% | 5,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5517% | 6,633 |
| Assets per employee ($millions) | 6.0112% | 1,278 |
| Cash dividends to net income (ytd only)* | 168.1957% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6300% | 1,192 |
| Loan loss allowance to noncurrent loans | 290.6918% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 1.6418% | 3,390 |
| Noncurrent loans to loans | 0.9047% | 4,861 |
| Net loans and leases to total assets | 54.7430% | 4,597 |
| Net loans and leases to deposits | 72.6529% | 3,333 |
| Net loans and leases to core deposits | 76.8179% | 3,503 |
| Total domestic deposits to total assets | 75.3487% | 6,608 |
| Equity capital to assets | 13.5388% | 1,221 |
| Core capital (leverage) ratio | 8.4673% | 5,647 |
| Tier 1 risk-based capital ratio | 13.1058% | 5,127 |
| Total risk-based capital ratio | 14.3689% | 5,091 |
| Memoranda: | ||
| Average total assets | $158,115,000 | 3,721 |
| Average earning assets | $136,671,500 | 3,871 |
| Average equity | $21,334,500 | 3,069 |
| Average total loans | $87,483,500 | 3,901 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3574% | 1,540 |
| Cost of funding earning assets | 1.2712% | 1,612 |
| Net interest margin | 4.0862% | 2,493 |
| Noninterest income to average assets | 0.3663% | 4,887 |
| Noninterest expense to average assets | 1.9018% | 6,827 |
| Loan and lease loss provision to assets | 0.1916% | 4,268 |
| Net operating income to assets | 1.8060% | 453 |
| Return on assets (ROA) | 1.8060% | 489 |
| Pretax return on assets | 1.8073% | 793 |
| Return on Equity (ROE) | 13.4679% | 1,054 |
| Retained earnings to average equity (ytd only) | 1.7011% | 5,001 |
| Net charge-offs to loans | 0.1849% | 4,668 |
| Credit loss provision to net charge-offs | 177.1084% | 1,480 |
| Earnings coverage of net charge-offs (x) | 18.4759% | 1,217 |
| Efficiency ratio | 48.7552% | 6,901 |
| Assets per employee ($millions) | 5.9236% | 1,290 |
| Cash dividends to net income (ytd only)* | 87.3692% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5730% | 1,221 |
| Loan loss allowance to noncurrent loans | 275.9852% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 1.4968% | 3,706 |
| Noncurrent loans to loans | 0.9323% | 4,833 |
| Net loans and leases to total assets | 53.0556% | 5,163 |
| Net loans and leases to deposits | 70.8474% | 3,975 |
| Net loans and leases to core deposits | 74.8527% | 4,121 |
| Total domestic deposits to total assets | 74.8871% | 6,619 |
| Equity capital to assets | 13.4483% | 1,295 |
| Core capital (leverage) ratio | 9.1632% | 4,522 |
| Tier 1 risk-based capital ratio | 13.5674% | 4,643 |
| Total risk-based capital ratio | 14.8303% | 4,608 |
| Memoranda: | ||
| Average total assets | $153,434,600 | 3,747 |
| Average earning assets | $132,714,000 | 3,877 |
| Average equity | $20,574,800 | 3,057 |
| Average total loans | $89,783,400 | 3,860 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5383% | 1,163 |
| Cost of funding earning assets | 1.3275% | 1,560 |
| Net interest margin | 4.2108% | 2,053 |
| Noninterest income to average assets | 0.3522% | 5,038 |
| Noninterest expense to average assets | 2.0341% | 6,621 |
| Loan and lease loss provision to assets | 0.1678% | 4,372 |
| Net operating income to assets | 1.7952% | 525 |
| Return on assets (ROA) | 1.7952% | 571 |
| Pretax return on assets | 1.7970% | 963 |
| Return on Equity (ROE) | 13.3978% | 1,185 |
| Retained earnings to average equity (ytd only) | -2.4711% | 6,358 |
| Net charge-offs to loans | 0.1386% | 4,674 |
| Credit loss provision to net charge-offs | 203.1915% | 1,441 |
| Earnings coverage of net charge-offs (x) | 23.7979% | 1,102 |
| Efficiency ratio | 50.8676% | 6,773 |
| Assets per employee ($millions) | 5.3227% | 1,784 |
| Cash dividends to net income (ytd only)* | 118.4440% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5328% | 1,346 |
| Loan loss allowance to noncurrent loans | 207.6056% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 4,102 |
| Noncurrent loans to loans | 1.2200% | 4,510 |
| Net loans and leases to total assets | 55.1196% | 4,978 |
| Net loans and leases to deposits | 74.2374% | 3,628 |
| Net loans and leases to core deposits | 77.7708% | 3,941 |
| Total domestic deposits to total assets | 74.2477% | 6,729 |
| Equity capital to assets | 13.5885% | 1,333 |
| Core capital (leverage) ratio | 8.6647% | 5,466 |
| Tier 1 risk-based capital ratio | 13.0410% | 5,067 |
| Total risk-based capital ratio | 14.3041% | 5,026 |
| Memoranda: | ||
| Average total assets | $151,808,750 | 3,796 |
| Average earning assets | $131,468,750 | 3,926 |
| Average equity | $20,341,250 | 3,099 |
| Average total loans | $90,455,000 | 3,883 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7047% | 865 |
| Cost of funding earning assets | 1.3756% | 1,524 |
| Net interest margin | 4.3292% | 1,570 |
| Noninterest income to average assets | 0.3405% | 5,156 |
| Noninterest expense to average assets | 2.0708% | 6,654 |
| Loan and lease loss provision to assets | 0.1603% | 4,318 |
| Net operating income to assets | 1.8469% | 448 |
| Return on assets (ROA) | 1.8469% | 476 |
| Pretax return on assets | 1.8495% | 793 |
| Return on Equity (ROE) | 13.8500% | 1,005 |
| Retained earnings to average equity (ytd only) | -8.3954% | 6,796 |
| Net charge-offs to loans | -0.0131% | 6,745 |
| Credit loss provision to net charge-offs | -2,016.6667% | 6,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7468% | 6,891 |
| Assets per employee ($millions) | 5.1250% | 1,963 |
| Cash dividends to net income (ytd only)* | 160.6169% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4779% | 1,475 |
| Loan loss allowance to noncurrent loans | 220.6287% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 1.4890% | 3,971 |
| Noncurrent loans to loans | 1.1231% | 4,787 |
| Net loans and leases to total assets | 59.4745% | 4,381 |
| Net loans and leases to deposits | 80.5214% | 2,704 |
| Net loans and leases to core deposits | 84.7108% | 3,115 |
| Total domestic deposits to total assets | 73.8617% | 6,855 |
| Equity capital to assets | 13.6572% | 1,223 |
| Core capital (leverage) ratio | 8.5831% | 5,426 |
| Tier 1 risk-based capital ratio | 14.2579% | 3,976 |
| Total risk-based capital ratio | 15.5245% | 3,937 |
| Memoranda: | ||
| Average total assets | $150,958,670 | 3,831 |
| Average earning assets | $130,418,000 | 3,972 |
| Average equity | $20,130,000 | 3,110 |
| Average total loans | $91,509,000 | 3,902 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8925% | 607 |
| Cost of funding earning assets | 1.4092% | 1,565 |
| Net interest margin | 4.4833% | 1,109 |
| Noninterest income to average assets | 0.3313% | 5,250 |
| Noninterest expense to average assets | 2.0746% | 6,686 |
| Loan and lease loss provision to assets | 0.1578% | 4,048 |
| Net operating income to assets | 1.9668% | 365 |
| Return on assets (ROA) | 1.9668% | 381 |
| Pretax return on assets | 1.9721% | 585 |
| Return on Equity (ROE) | 14.9257% | 831 |
| Retained earnings to average equity (ytd only) | -20.8121% | 7,167 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3433% | 7,039 |
| Assets per employee ($millions) | 5.3708% | 1,696 |
| Cash dividends to net income (ytd only)* | 239.4385% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3969% | 1,607 |
| Loan loss allowance to noncurrent loans | 178.9300% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 1.7090% | 3,689 |
| Noncurrent loans to loans | 1.3396% | 4,472 |
| Net loans and leases to total assets | 58.8677% | 4,484 |
| Net loans and leases to deposits | 78.6641% | 2,947 |
| Net loans and leases to core deposits | 83.1521% | 3,289 |
| Total domestic deposits to total assets | 74.8343% | 6,818 |
| Equity capital to assets | 12.9802% | 1,390 |
| Core capital (leverage) ratio | 8.3939% | 5,636 |
| Tier 1 risk-based capital ratio | 14.0756% | 4,023 |
| Total risk-based capital ratio | 15.3420% | 3,986 |
| Memoranda: | ||
| Average total assets | $152,125,500 | 3,846 |
| Average earning assets | $131,422,000 | 3,989 |
| Average equity | $20,046,000 | 3,105 |
| Average total loans | $91,943,500 | 3,929 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9354% | 972 |
| Cost of funding earning assets | 1.6981% | 1,613 |
| Net interest margin | 4.2373% | 2,037 |
| Noninterest income to average assets | 1.7491% | 493 |
| Noninterest expense to average assets | 1.9726% | 7,066 |
| Loan and lease loss provision to assets | 0.2992% | 4,409 |
| Net operating income to assets | 3.1843% | 68 |
| Return on assets (ROA) | 3.1843% | 69 |
| Pretax return on assets | 3.1856% | 103 |
| Return on Equity (ROE) | 24.2524% | 112 |
| Retained earnings to average equity (ytd only) | 15.8719% | 102 |
| Net charge-offs to loans | 0.0251% | 6,558 |
| Credit loss provision to net charge-offs | 1,939.1304% | 121 |
| Earnings coverage of net charge-offs (x) | 225.8261% | 108 |
| Efficiency ratio | 36.1446% | 7,544 |
| Assets per employee ($millions) | 5.4953% | 1,579 |
| Cash dividends to net income (ytd only)* | 34.5554% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2686% | 1,745 |
| Loan loss allowance to noncurrent loans | 122.2672% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 1.9309% | 3,438 |
| Noncurrent loans to loans | 1.8554% | 3,747 |
| Net loans and leases to total assets | 59.1884% | 4,809 |
| Net loans and leases to deposits | 79.3677% | 3,278 |
| Net loans and leases to core deposits | 83.7867% | 3,629 |
| Total domestic deposits to total assets | 74.5750% | 6,821 |
| Equity capital to assets | 13.3699% | 1,230 |
| Core capital (leverage) ratio | 8.8409% | 4,788 |
| Tier 1 risk-based capital ratio | 15.0335% | 3,231 |
| Total risk-based capital ratio | 16.2985% | 3,173 |
| Memoranda: | ||
| Average total assets | $149,044,800 | 3,890 |
| Average earning assets | $130,438,200 | 4,008 |
| Average equity | $19,569,200 | 3,206 |
| Average total loans | $91,532,800 | 4,020 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0507% | 842 |
| Cost of funding earning assets | 1.7474% | 1,637 |
| Net interest margin | 4.3033% | 1,842 |
| Noninterest income to average assets | 2.2303% | 324 |
| Noninterest expense to average assets | 1.9137% | 7,183 |
| Loan and lease loss provision to assets | 0.1623% | 5,411 |
| Net operating income to assets | 3.9303% | 45 |
| Return on assets (ROA) | 3.9303% | 46 |
| Pretax return on assets | 3.9321% | 75 |
| Return on Equity (ROE) | 30.0775% | 50 |
| Retained earnings to average equity (ytd only) | 21.7541% | 59 |
| Net charge-offs to loans | 0.0205% | 6,384 |
| Credit loss provision to net charge-offs | 1,285.7143% | 235 |
| Earnings coverage of net charge-offs (x) | 324.2196% | 97 |
| Efficiency ratio | 31.8523% | 7,670 |
| Assets per employee ($millions) | 5.2204% | 1,907 |
| Cash dividends to net income (ytd only)* | 27.6733% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 6,101 |
| Loan loss allowance to noncurrent loans | 38.9498% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 2.2348% | 3,152 |
| Noncurrent loans to loans | 2.7290% | 2,915 |
| Net loans and leases to total assets | 61.2756% | 4,669 |
| Net loans and leases to deposits | 82.4626% | 3,020 |
| Net loans and leases to core deposits | 86.1484% | 3,629 |
| Total domestic deposits to total assets | 74.3072% | 6,884 |
| Equity capital to assets | 13.4587% | 1,368 |
| Core capital (leverage) ratio | 8.8857% | 4,868 |
| Tier 1 risk-based capital ratio | 14.7527% | 3,368 |
| Total risk-based capital ratio | 15.9174% | 3,392 |
| Memoranda: | ||
| Average total assets | $147,839,000 | 3,964 |
| Average earning assets | $129,789,000 | 4,073 |
| Average equity | $19,318,500 | 3,276 |
| Average total loans | $91,119,500 | 4,094 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1230% | 722 |
| Cost of funding earning assets | 1.8214% | 1,559 |
| Net interest margin | 4.3016% | 1,777 |
| Noninterest income to average assets | 3.1011% | 213 |
| Noninterest expense to average assets | 1.9267% | 7,217 |
| Loan and lease loss provision to assets | 0.1656% | 5,229 |
| Net operating income to assets | 4.7904% | 37 |
| Return on assets (ROA) | 4.7904% | 36 |
| Pretax return on assets | 4.7932% | 52 |
| Return on Equity (ROE) | 37.0596% | 28 |
| Retained earnings to average equity (ytd only) | 24.1832% | 51 |
| Net charge-offs to loans | 0.0336% | 5,878 |
| Credit loss provision to net charge-offs | 800.0000% | 462 |
| Earnings coverage of net charge-offs (x) | 239.5333% | 139 |
| Efficiency ratio | 27.9816% | 7,759 |
| Assets per employee ($millions) | 5.6443% | 1,498 |
| Cash dividends to net income (ytd only)* | 34.7450% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 6,358 |
| Loan loss allowance to noncurrent loans | 32.1725% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 2.2914% | 3,140 |
| Noncurrent loans to loans | 3.1376% | 2,556 |
| Net loans and leases to total assets | 62.4187% | 4,599 |
| Net loans and leases to deposits | 83.9960% | 2,868 |
| Net loans and leases to core deposits | 89.5031% | 3,341 |
| Total domestic deposits to total assets | 74.3115% | 6,940 |
| Equity capital to assets | 13.2242% | 1,462 |
| Core capital (leverage) ratio | 8.4406% | 5,511 |
| Tier 1 risk-based capital ratio | 13.9826% | 3,743 |
| Total risk-based capital ratio | 15.0969% | 3,804 |
| Memoranda: | ||
| Average total assets | $144,914,670 | 4,052 |
| Average earning assets | $127,486,670 | 4,147 |
| Average equity | $18,732,000 | 3,347 |
| Average total loans | $89,160,670 | 4,170 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7750% | 1,541 |
| Cost of funding earning assets | 2.0182% | 1,023 |
| Net interest margin | 3.7568% | 3,968 |
| Noninterest income to average assets | 3.2640% | 198 |
| Noninterest expense to average assets | 1.8502% | 7,410 |
| Loan and lease loss provision to assets | 0.1700% | 4,829 |
| Net operating income to assets | 4.5504% | 45 |
| Return on assets (ROA) | 4.5504% | 47 |
| Pretax return on assets | 4.5561% | 66 |
| Return on Equity (ROE) | 35.6463% | 47 |
| Retained earnings to average equity (ytd only) | 17.4680% | 267 |
| Net charge-offs to loans | 0.0700% | 4,714 |
| Credit loss provision to net charge-offs | 400.0000% | 1,017 |
| Earnings coverage of net charge-offs (x) | 111.2000% | 295 |
| Efficiency ratio | 28.1344% | 7,860 |
| Assets per employee ($millions) | 5.5532% | 1,618 |
| Cash dividends to net income (ytd only)* | 50.9963% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 6,600 |
| Loan loss allowance to noncurrent loans | 24.6079% | 6,768 |
| Noncurrent assets plus other real estate owned to assets | 2.6465% | 2,752 |
| Noncurrent loans to loans | 3.9406% | 2,007 |
| Net loans and leases to total assets | 61.9818% | 4,762 |
| Net loans and leases to deposits | 81.6584% | 3,341 |
| Net loans and leases to core deposits | 86.8801% | 3,773 |
| Total domestic deposits to total assets | 75.9037% | 6,773 |
| Equity capital to assets | 12.3239% | 1,858 |
| Core capital (leverage) ratio | 7.3915% | 6,943 |
| Tier 1 risk-based capital ratio | 10.9990% | 6,156 |
| Total risk-based capital ratio | 11.9349% | 6,446 |
| Memoranda: | ||
| Average total assets | $141,174,500 | 4,173 |
| Average earning assets | $124,467,000 | 4,270 |
| Average equity | $18,021,500 | 3,476 |
| Average total loans | $85,694,500 | 4,332 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7317% | 2,948 |
| Cost of funding earning assets | 2.2274% | 1,910 |
| Net interest margin | 3.5043% | 4,939 |
| Noninterest income to average assets | 0.3662% | 5,468 |
| Noninterest expense to average assets | 1.6282% | 7,753 |
| Loan and lease loss provision to assets | 0.1442% | 6,201 |
| Net operating income to assets | 1.7228% | 419 |
| Return on assets (ROA) | 1.7228% | 447 |
| Pretax return on assets | 1.7252% | 739 |
| Return on Equity (ROE) | 12.7631% | 1,011 |
| Retained earnings to average equity (ytd only) | 4.5532% | 2,069 |
| Net charge-offs to loans | 0.1000% | 6,135 |
| Credit loss provision to net charge-offs | 233.7662% | 1,555 |
| Earnings coverage of net charge-offs (x) | 30.2987% | 754 |
| Efficiency ratio | 46.5521% | 7,687 |
| Assets per employee ($millions) | 6.9691% | 811 |
| Cash dividends to net income (ytd only)* | 64.3256% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 5,827 |
| Loan loss allowance to noncurrent loans | 216.5000% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 6,689 |
| Noncurrent loans to loans | 0.5158% | 6,219 |
| Net loans and leases to total assets | 57.9097% | 5,677 |
| Net loans and leases to deposits | 78.4458% | 4,287 |
| Net loans and leases to core deposits | 88.5277% | 5,271 |
| Total domestic deposits to total assets | 73.8213% | 7,042 |
| Equity capital to assets | 13.2653% | 1,407 |
| Core capital (leverage) ratio | 8.2249% | 5,770 |
| Tier 1 risk-based capital ratio | 12.2089% | 4,762 |
| Total risk-based capital ratio | 13.2785% | 4,879 |
| Memoranda: | ||
| Average total assets | $124,796,800 | 4,451 |
| Average earning assets | $111,519,800 | 4,520 |
| Average equity | $16,845,400 | 3,703 |
| Average total loans | $77,035,000 | 4,620 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7623% | 3,049 |
| Cost of funding earning assets | 2.3132% | 1,934 |
| Net interest margin | 3.4491% | 5,074 |
| Noninterest income to average assets | 0.3624% | 5,602 |
| Noninterest expense to average assets | 1.6762% | 7,779 |
| Loan and lease loss provision to assets | 0.1465% | 5,895 |
| Net operating income to assets | 1.6231% | 635 |
| Return on assets (ROA) | 1.6231% | 686 |
| Pretax return on assets | 1.6263% | 1,122 |
| Return on Equity (ROE) | 11.9686% | 1,361 |
| Retained earnings to average equity (ytd only) | 2.4241% | 3,968 |
| Net charge-offs to loans | 0.0503% | 6,214 |
| Credit loss provision to net charge-offs | 465.5172% | 839 |
| Earnings coverage of net charge-offs (x) | 56.3385% | 579 |
| Efficiency ratio | 48.6002% | 7,641 |
| Assets per employee ($millions) | 6.9601% | 802 |
| Cash dividends to net income (ytd only)* | 79.7460% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 5,551 |
| Loan loss allowance to noncurrent loans | 73.4573% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.0169% | 5,047 |
| Noncurrent loans to loans | 1.5347% | 4,342 |
| Net loans and leases to total assets | 60.8356% | 5,450 |
| Net loans and leases to deposits | 82.9788% | 3,834 |
| Net loans and leases to core deposits | 96.5395% | 4,747 |
| Total domestic deposits to total assets | 73.3146% | 7,046 |
| Equity capital to assets | 13.7705% | 1,390 |
| Core capital (leverage) ratio | 7.9407% | 6,455 |
| Tier 1 risk-based capital ratio | 11.9044% | 5,057 |
| Total risk-based capital ratio | 12.9998% | 5,146 |
| Memoranda: | ||
| Average total assets | $122,892,750 | 4,524 |
| Average earning assets | $109,977,000 | 4,595 |
| Average equity | $16,665,500 | 3,773 |
| Average total loans | $76,907,250 | 4,663 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8507% | 2,802 |
| Cost of funding earning assets | 2.3718% | 2,071 |
| Net interest margin | 3.4789% | 4,899 |
| Noninterest income to average assets | 0.3718% | 5,536 |
| Noninterest expense to average assets | 1.7101% | 7,821 |
| Loan and lease loss provision to assets | 0.1474% | 5,603 |
| Net operating income to assets | 1.6184% | 658 |
| Return on assets (ROA) | 1.6184% | 725 |
| Pretax return on assets | 1.6233% | 1,160 |
| Return on Equity (ROE) | 11.9976% | 1,409 |
| Retained earnings to average equity (ytd only) | -2.4894% | 5,861 |
| Net charge-offs to loans | 0.0052% | 6,536 |
| Credit loss provision to net charge-offs | 4,500.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 540.5000% | 55 |
| Efficiency ratio | 49.1294% | 7,712 |
| Assets per employee ($millions) | 6.9116% | 798 |
| Cash dividends to net income (ytd only)* | 120.7490% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 5,559 |
| Loan loss allowance to noncurrent loans | 85.1000% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.8954% | 5,194 |
| Noncurrent loans to loans | 1.3000% | 4,602 |
| Net loans and leases to total assets | 61.1472% | 5,496 |
| Net loans and leases to deposits | 82.4906% | 4,141 |
| Net loans and leases to core deposits | 95.6929% | 4,935 |
| Total domestic deposits to total assets | 74.1263% | 6,934 |
| Equity capital to assets | 13.1945% | 1,612 |
| Core capital (leverage) ratio | 7.7614% | 6,659 |
| Tier 1 risk-based capital ratio | 11.2545% | 5,639 |
| Total risk-based capital ratio | 12.3264% | 5,722 |
| Memoranda: | ||
| Average total assets | $122,096,330 | 4,580 |
| Average earning assets | $109,116,000 | 4,651 |
| Average equity | $16,470,000 | 3,817 |
| Average total loans | $76,848,000 | 4,708 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8461% | 3,051 |
| Cost of funding earning assets | 2.4177% | 2,220 |
| Net interest margin | 3.4285% | 5,018 |
| Noninterest income to average assets | 0.3175% | 5,906 |
| Noninterest expense to average assets | 1.6669% | 7,855 |
| Loan and lease loss provision to assets | 0.1488% | 5,034 |
| Net operating income to assets | 1.5545% | 851 |
| Return on assets (ROA) | 1.5545% | 926 |
| Pretax return on assets | 1.5644% | 1,494 |
| Return on Equity (ROE) | 11.3957% | 1,850 |
| Retained earnings to average equity (ytd only) | -9.8682% | 7,098 |
| Net charge-offs to loans | -0.0208% | 7,451 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3151% | 7,640 |
| Assets per employee ($millions) | 6.7436% | 860 |
| Cash dividends to net income (ytd only)* | 186.5957% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 5,995 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 7,308 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 64.6340% | 4,878 |
| Net loans and leases to deposits | 85.0407% | 3,812 |
| Net loans and leases to core deposits | 99.4095% | 4,597 |
| Total domestic deposits to total assets | 76.0036% | 6,512 |
| Equity capital to assets | 13.4456% | 1,552 |
| Core capital (leverage) ratio | 7.7663% | 6,794 |
| Tier 1 risk-based capital ratio | 10.8246% | 6,068 |
| Total risk-based capital ratio | 11.8311% | 6,230 |
| Memoranda: | ||
| Average total assets | $120,940,500 | 4,623 |
| Average earning assets | $108,037,000 | 4,687 |
| Average equity | $16,497,500 | 3,841 |
| Average total loans | $76,810,500 | 4,739 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6734% | 2,135 |
| Cost of funding earning assets | 2.8140% | 2,650 |
| Net interest margin | 3.8594% | 3,748 |
| Noninterest income to average assets | 0.3611% | 5,831 |
| Noninterest expense to average assets | 1.6350% | 7,930 |
| Loan and lease loss provision to assets | 0.2205% | 4,679 |
| Net operating income to assets | 1.8944% | 437 |
| Return on assets (ROA) | 1.8944% | 428 |
| Pretax return on assets | 1.8954% | 772 |
| Return on Equity (ROE) | 13.2457% | 1,270 |
| Retained earnings to average equity (ytd only) | 4.4216% | 2,376 |
| Net charge-offs to loans | 0.2177% | 4,043 |
| Credit loss provision to net charge-offs | 157.7922% | 3,296 |
| Earnings coverage of net charge-offs (x) | 15.1429% | 1,959 |
| Efficiency ratio | 43.5897% | 8,024 |
| Assets per employee ($millions) | 6.6942% | 812 |
| Cash dividends to net income (ytd only)* | 66.6188% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 5,806 |
| Loan loss allowance to noncurrent loans | 2,934.6154% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 7,515 |
| Noncurrent loans to loans | 0.0350% | 7,365 |
| Net loans and leases to total assets | 61.0726% | 5,759 |
| Net loans and leases to deposits | 79.9865% | 5,044 |
| Net loans and leases to core deposits | 94.6300% | 5,391 |
| Total domestic deposits to total assets | 76.3536% | 6,153 |
| Equity capital to assets | 13.8378% | 1,483 |
| Core capital (leverage) ratio | 8.2648% | 6,018 |
| Tier 1 risk-based capital ratio | 11.7910% | 4,988 |
| Total risk-based capital ratio | 12.7755% | 5,110 |
| Memoranda: | ||
| Average total assets | $110,216,800 | 4,773 |
| Average earning assets | $96,801,800 | 4,896 |
| Average equity | $15,763,600 | 3,980 |
| Average total loans | $70,726,000 | 4,839 |