Home > The Converse County Bank > Performance and Condition Ratios
The Converse County 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 | 4.3431% | 3,368 |
| Cost of funding earning assets | 1.7475% | 1,363 |
| Net interest margin | 2.5956% | 3,969 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 1.1593% | 4,474 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.7399% | 680 |
| Return on assets (ROA) | 1.7399% | 648 |
| Pretax return on assets | 1.7399% | 987 |
| Return on Equity (ROE) | 20.8600% | 542 |
| Retained earnings to average equity (ytd only) | 13.0103% | 503 |
| Net charge-offs to loans | 0.1230% | 797 |
| Credit loss provision to net charge-offs | 165.5844% | 1,379 |
| Earnings coverage of net charge-offs (x) | 53.4383% | 1,255 |
| Efficiency ratio | 39.2343% | 4,379 |
| Assets per employee ($millions) | 14.0942% | 255 |
| Cash dividends to net income (ytd only)* | 37.6199% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,215 |
| Loan loss allowance to noncurrent loans | 62.1721% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 987 |
| Noncurrent loans to loans | 1.9525% | 298 |
| Net loans and leases to total assets | 28.6300% | 4,325 |
| Net loans and leases to deposits | 31.5254% | 4,339 |
| Net loans and leases to core deposits | 42.2475% | 4,248 |
| Total domestic deposits to total assets | 90.8100% | 553 |
| Equity capital to assets | 8.8727% | 2,772 |
| Core capital (leverage) ratio | 9.2253% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5256% | 292 |
| Memoranda: | ||
| Average total assets | $916,659,600 | 1,065 |
| Average earning assets | $905,178,600 | 994 |
| Average equity | $76,470,400 | 1,167 |
| Average total loans | $250,401,400 | 2,001 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 3,483 |
| Cost of funding earning assets | 1.6291% | 1,318 |
| Net interest margin | 2.5634% | 4,077 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.1348% | 4,496 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7421% | 740 |
| Return on assets (ROA) | 1.7421% | 725 |
| Pretax return on assets | 1.7421% | 1,100 |
| Return on Equity (ROE) | 21.2200% | 619 |
| Retained earnings to average equity (ytd only) | 12.8943% | 834 |
| Net charge-offs to loans | 0.1065% | 742 |
| Credit loss provision to net charge-offs | 182.7411% | 1,181 |
| Earnings coverage of net charge-offs (x) | 62.6345% | 1,183 |
| Efficiency ratio | 38.7399% | 4,389 |
| Assets per employee ($millions) | 13.7607% | 255 |
| Cash dividends to net income (ytd only)* | 39.2353% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 2,306 |
| Loan loss allowance to noncurrent loans | 58.5218% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.6081% | 967 |
| Noncurrent loans to loans | 2.0690% | 282 |
| Net loans and leases to total assets | 29.0300% | 4,331 |
| Net loans and leases to deposits | 31.9140% | 4,356 |
| Net loans and leases to core deposits | 42.3148% | 4,209 |
| Total domestic deposits to total assets | 90.9800% | 679 |
| Equity capital to assets | 8.7299% | 2,585 |
| Core capital (leverage) ratio | 9.2410% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9775% | 321 |
| Memoranda: | ||
| Average total assets | $916,793,250 | 1,070 |
| Average earning assets | $905,498,000 | 995 |
| Average equity | $75,266,750 | 1,174 |
| Average total loans | $246,626,500 | 2,018 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 3,510 |
| Cost of funding earning assets | 1.4445% | 1,356 |
| Net interest margin | 2.6465% | 4,048 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 1.0898% | 4,542 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.8636% | 596 |
| Return on assets (ROA) | 1.8636% | 590 |
| Pretax return on assets | 1.8636% | 908 |
| Return on Equity (ROE) | 23.1700% | 479 |
| Retained earnings to average equity (ytd only) | 14.2935% | 646 |
| Net charge-offs to loans | 0.1600% | 490 |
| Credit loss provision to net charge-offs | 108.8083% | 1,384 |
| Earnings coverage of net charge-offs (x) | 45.7098% | 1,333 |
| Efficiency ratio | 36.3400% | 4,466 |
| Assets per employee ($millions) | 13.6530% | 254 |
| Cash dividends to net income (ytd only)* | 38.3186% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 2,564 |
| Loan loss allowance to noncurrent loans | 55.5820% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 869 |
| Noncurrent loans to loans | 2.1147% | 252 |
| Net loans and leases to total assets | 28.7700% | 4,348 |
| Net loans and leases to deposits | 31.5717% | 4,379 |
| Net loans and leases to core deposits | 41.4911% | 4,230 |
| Total domestic deposits to total assets | 91.1400% | 610 |
| Equity capital to assets | 8.5972% | 2,781 |
| Core capital (leverage) ratio | 8.9279% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2634% | 379 |
| Memoranda: | ||
| Average total assets | $924,242,667 | 1,051 |
| Average earning assets | $913,283,000 | 979 |
| Average equity | $74,327,667 | 1,185 |
| Average total loans | $241,208,333 | 2,043 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9283% | 3,616 |
| Cost of funding earning assets | 1.2117% | 1,425 |
| Net interest margin | 2.7166% | 4,050 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.0562% | 4,617 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.9817% | 508 |
| Return on assets (ROA) | 1.9817% | 499 |
| Pretax return on assets | 1.9817% | 808 |
| Return on Equity (ROE) | 25.4700% | 383 |
| Retained earnings to average equity (ytd only) | 25.4692% | 169 |
| Net charge-offs to loans | 0.0378% | 981 |
| Credit loss provision to net charge-offs | 272.7273% | 723 |
| Earnings coverage of net charge-offs (x) | 215.0000% | 487 |
| Efficiency ratio | 34.4785% | 4,563 |
| Assets per employee ($millions) | 16.0308% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 2,131 |
| 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 | 26.2800% | 4,440 |
| Net loans and leases to deposits | 28.7836% | 4,469 |
| Net loans and leases to core deposits | 37.7439% | 4,324 |
| Total domestic deposits to total assets | 91.3000% | 701 |
| Equity capital to assets | 8.4889% | 2,907 |
| Core capital (leverage) ratio | 8.6421% | 4,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7094% | 280 |
| Memoranda: | ||
| Average total assets | $942,640,500 | 1,047 |
| Average earning assets | $932,209,500 | 977 |
| Average equity | $73,343,500 | 1,207 |
| Average total loans | $232,620,000 | 2,106 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5410% | 4,486 |
| Cost of funding earning assets | 0.6258% | 804 |
| Net interest margin | 1.9152% | 4,577 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 1.0379% | 4,637 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2793% | 1,504 |
| Return on assets (ROA) | 1.2793% | 1,460 |
| Pretax return on assets | 1.2793% | 2,163 |
| Return on Equity (ROE) | 16.2500% | 1,007 |
| Retained earnings to average equity (ytd only) | 9.5723% | 1,292 |
| Net charge-offs to loans | 0.0848% | 816 |
| Credit loss provision to net charge-offs | 78.5276% | 1,689 |
| Earnings coverage of net charge-offs (x) | 73.1718% | 1,135 |
| Efficiency ratio | 44.5230% | 4,409 |
| Assets per employee ($millions) | 17.6349% | 126 |
| Cash dividends to net income (ytd only)* | 41.1052% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 1,746 |
| 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 | 22.6100% | 4,526 |
| Net loans and leases to deposits | 24.3952% | 4,542 |
| Net loans and leases to core deposits | 32.5469% | 4,440 |
| Total domestic deposits to total assets | 92.6700% | 473 |
| Equity capital to assets | 7.1368% | 3,593 |
| Core capital (leverage) ratio | 7.5578% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9192% | 306 |
| Memoranda: | ||
| Average total assets | $922,270,800 | 1,048 |
| Average earning assets | $912,894,000 | 984 |
| Average equity | $72,595,000 | 1,218 |
| Average total loans | $192,311,800 | 2,293 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1205% | 4,583 |
| Cost of funding earning assets | 0.4899% | 788 |
| Net interest margin | 1.6306% | 4,625 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 1.0283% | 4,668 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0253% | 2,387 |
| Return on assets (ROA) | 1.0253% | 2,361 |
| Pretax return on assets | 1.0253% | 2,950 |
| Return on Equity (ROE) | 12.7000% | 1,804 |
| Retained earnings to average equity (ytd only) | 7.1421% | 2,321 |
| Net charge-offs to loans | 0.1197% | 526 |
| Credit loss provision to net charge-offs | 41.2121% | 1,561 |
| Earnings coverage of net charge-offs (x) | 42.6364% | 1,363 |
| Efficiency ratio | 49.8288% | 4,173 |
| Assets per employee ($millions) | 14.4498% | 221 |
| Cash dividends to net income (ytd only)* | 43.7778% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 1,436 |
| 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 | 21.3200% | 4,579 |
| Net loans and leases to deposits | 23.1307% | 4,592 |
| Net loans and leases to core deposits | 30.8449% | 4,498 |
| Total domestic deposits to total assets | 92.1700% | 828 |
| Equity capital to assets | 7.6680% | 3,113 |
| Core capital (leverage) ratio | 7.8044% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0661% | 312 |
| Memoranda: | ||
| Average total assets | $905,949,250 | 1,078 |
| Average earning assets | $896,816,250 | 1,005 |
| Average equity | $73,123,750 | 1,220 |
| Average total loans | $183,823,000 | 2,350 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8181% | 4,661 |
| Cost of funding earning assets | 0.4477% | 698 |
| Net interest margin | 1.3703% | 4,696 |
| Noninterest income to average assets | 0.4649% | 2,372 |
| Noninterest expense to average assets | 1.0415% | 4,682 |
| Loan and lease loss provision to assets | 0.0101% | 2,406 |
| Net operating income to assets | 0.7697% | 3,066 |
| Return on assets (ROA) | 0.7697% | 3,029 |
| Pretax return on assets | 0.7697% | 3,407 |
| Return on Equity (ROE) | 9.3725% | 2,573 |
| Retained earnings to average equity (ytd only) | 5.1543% | 2,650 |
| Net charge-offs to loans | 0.0304% | 1,116 |
| Credit loss provision to net charge-offs | 166.6667% | 1,049 |
| Earnings coverage of net charge-offs (x) | 129.2222% | 707 |
| Efficiency ratio | 57.1849% | 3,656 |
| Assets per employee ($millions) | 13.8693% | 240 |
| Cash dividends to net income (ytd only)* | 45.0058% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 1,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 20.0728% | 4,654 |
| Net loans and leases to deposits | 21.8484% | 4,663 |
| Net loans and leases to core deposits | 28.5572% | 4,588 |
| Total domestic deposits to total assets | 91.8735% | 890 |
| Equity capital to assets | 7.9512% | 3,159 |
| Core capital (leverage) ratio | 7.8405% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1411% | 245 |
| Memoranda: | ||
| Average total assets | $894,852,667 | 1,078 |
| Average earning assets | $885,771,000 | 1,028 |
| Average equity | $73,491,333 | 1,249 |
| Average total loans | $177,365,000 | 2,397 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6290% | 4,700 |
| Cost of funding earning assets | 0.4436% | 682 |
| Net interest margin | 1.1854% | 4,735 |
| Noninterest income to average assets | 0.4599% | 2,357 |
| Noninterest expense to average assets | 1.0073% | 4,718 |
| Loan and lease loss provision to assets | 0.0103% | 2,140 |
| Net operating income to assets | 0.6160% | 3,341 |
| Return on assets (ROA) | 0.6160% | 3,326 |
| Pretax return on assets | 0.6160% | 3,592 |
| Return on Equity (ROE) | 7.3820% | 2,915 |
| Retained earnings to average equity (ytd only) | 3.8873% | 2,972 |
| Net charge-offs to loans | -0.0023% | 3,130 |
| Credit loss provision to net charge-offs | -2,300.0000% | 3,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6589% | 3,308 |
| Assets per employee ($millions) | 13.8119% | 255 |
| Cash dividends to net income (ytd only)* | 47.3416% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 917 |
| 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 | 18.9680% | 4,682 |
| Net loans and leases to deposits | 20.7047% | 4,695 |
| Net loans and leases to core deposits | 27.0542% | 4,635 |
| Total domestic deposits to total assets | 91.6122% | 746 |
| Equity capital to assets | 8.2421% | 3,374 |
| Core capital (leverage) ratio | 7.8581% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4582% | 218 |
| Memoranda: | ||
| Average total assets | $891,528,000 | 1,091 |
| Average earning assets | $882,741,500 | 1,034 |
| Average equity | $74,397,000 | 1,268 |
| Average total loans | $174,032,500 | 2,426 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9152% | 4,691 |
| Cost of funding earning assets | 0.4878% | 979 |
| Net interest margin | 1.4274% | 4,734 |
| Noninterest income to average assets | 0.6180% | 2,085 |
| Noninterest expense to average assets | 1.0745% | 4,741 |
| Loan and lease loss provision to assets | 0.0219% | 2,634 |
| Net operating income to assets | 0.9333% | 2,928 |
| Return on assets (ROA) | 0.9333% | 2,994 |
| Pretax return on assets | 0.9333% | 3,411 |
| Return on Equity (ROE) | 10.3955% | 2,388 |
| Retained earnings to average equity (ytd only) | 5.5181% | 2,559 |
| Net charge-offs to loans | 0.0027% | 2,526 |
| Credit loss provision to net charge-offs | 3,600.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 1,570.6000% | 93 |
| Efficiency ratio | 52.9394% | 4,041 |
| Assets per employee ($millions) | 13.6197% | 267 |
| Cash dividends to net income (ytd only)* | 46.9178% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7488% | 950 |
| 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 | 19.3883% | 4,723 |
| Net loans and leases to deposits | 21.2157% | 4,734 |
| Net loans and leases to core deposits | 27.3723% | 4,680 |
| Total domestic deposits to total assets | 91.3866% | 348 |
| Equity capital to assets | 8.4492% | 4,080 |
| Core capital (leverage) ratio | 7.8176% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2849% | 232 |
| Memoranda: | ||
| Average total assets | $822,112,200 | 1,130 |
| Average earning assets | $813,067,600 | 1,070 |
| Average equity | $73,811,000 | 1,289 |
| Average total loans | $183,945,000 | 2,354 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0187% | 4,757 |
| Cost of funding earning assets | 0.4955% | 1,069 |
| Net interest margin | 1.5232% | 4,801 |
| Noninterest income to average assets | 0.6621% | 1,963 |
| Noninterest expense to average assets | 1.0530% | 4,826 |
| Loan and lease loss provision to assets | 0.0223% | 2,548 |
| Net operating income to assets | 1.0928% | 2,584 |
| Return on assets (ROA) | 1.0928% | 2,638 |
| Pretax return on assets | 1.0928% | 3,209 |
| Return on Equity (ROE) | 11.9784% | 2,056 |
| Retained earnings to average equity (ytd only) | 7.2661% | 2,324 |
| Net charge-offs to loans | 0.0086% | 2,000 |
| Credit loss provision to net charge-offs | 1,125.0000% | 480 |
| Earnings coverage of net charge-offs (x) | 562.0000% | 267 |
| Efficiency ratio | 48.5662% | 4,328 |
| Assets per employee ($millions) | 12.9088% | 312 |
| Cash dividends to net income (ytd only)* | 39.3403% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 1,207 |
| 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 | 21.2436% | 4,780 |
| Net loans and leases to deposits | 23.3825% | 4,796 |
| Net loans and leases to core deposits | 30.2050% | 4,724 |
| Total domestic deposits to total assets | 90.8528% | 416 |
| Equity capital to assets | 8.9816% | 3,848 |
| Core capital (leverage) ratio | 8.1658% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6521% | 236 |
| Memoranda: | ||
| Average total assets | $806,319,500 | 1,158 |
| Average earning assets | $797,274,500 | 1,100 |
| Average equity | $73,564,000 | 1,313 |
| Average total loans | $186,257,250 | 2,373 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1586% | 4,772 |
| Cost of funding earning assets | 0.5009% | 1,199 |
| Net interest margin | 1.6577% | 4,814 |
| Noninterest income to average assets | 0.6719% | 1,922 |
| Noninterest expense to average assets | 1.0898% | 4,850 |
| Loan and lease loss provision to assets | 0.0226% | 2,518 |
| Net operating income to assets | 1.1986% | 2,199 |
| Return on assets (ROA) | 1.1986% | 2,266 |
| Pretax return on assets | 1.1986% | 2,914 |
| Return on Equity (ROE) | 13.0666% | 1,691 |
| Retained earnings to average equity (ytd only) | 8.1327% | 2,030 |
| Net charge-offs to loans | 0.0351% | 1,294 |
| Credit loss provision to net charge-offs | 272.7273% | 932 |
| Earnings coverage of net charge-offs (x) | 147.1818% | 595 |
| Efficiency ratio | 47.1548% | 4,451 |
| Assets per employee ($millions) | 12.3441% | 324 |
| Cash dividends to net income (ytd only)* | 37.7596% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 1,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 23.0123% | 4,795 |
| Net loans and leases to deposits | 25.4411% | 4,816 |
| Net loans and leases to core deposits | 33.2102% | 4,725 |
| Total domestic deposits to total assets | 90.4536% | 574 |
| Equity capital to assets | 9.3693% | 3,450 |
| Core capital (leverage) ratio | 8.1114% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4995% | 239 |
| Memoranda: | ||
| Average total assets | $795,402,667 | 1,165 |
| Average earning assets | $786,530,000 | 1,107 |
| Average equity | $72,964,667 | 1,317 |
| Average total loans | $187,925,667 | 2,366 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4013% | 4,713 |
| Cost of funding earning assets | 0.5015% | 1,389 |
| Net interest margin | 1.8998% | 4,770 |
| Noninterest income to average assets | 0.6885% | 1,902 |
| Noninterest expense to average assets | 1.0956% | 4,888 |
| Loan and lease loss provision to assets | 0.0227% | 2,487 |
| Net operating income to assets | 1.4491% | 1,447 |
| Return on assets (ROA) | 1.4491% | 1,513 |
| Pretax return on assets | 1.4491% | 2,141 |
| Return on Equity (ROE) | 15.9702% | 1,017 |
| Retained earnings to average equity (ytd only) | 10.4037% | 1,545 |
| Net charge-offs to loans | 0.0638% | 893 |
| Credit loss provision to net charge-offs | 150.0000% | 980 |
| Earnings coverage of net charge-offs (x) | 97.1333% | 627 |
| Efficiency ratio | 42.6717% | 4,647 |
| Assets per employee ($millions) | 12.3282% | 318 |
| Cash dividends to net income (ytd only)* | 34.8554% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 1,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 23.8489% | 4,811 |
| Net loans and leases to deposits | 26.2883% | 4,836 |
| Net loans and leases to core deposits | 34.2249% | 4,753 |
| Total domestic deposits to total assets | 90.7203% | 501 |
| Equity capital to assets | 9.1036% | 3,587 |
| Core capital (leverage) ratio | 8.4381% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9855% | 233 |
| Memoranda: | ||
| Average total assets | $791,921,500 | 1,155 |
| Average earning assets | $783,241,000 | 1,101 |
| Average equity | $71,859,000 | 1,321 |
| Average total loans | $188,098,500 | 2,369 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3928% | 4,866 |
| Cost of funding earning assets | 0.5757% | 2,476 |
| Net interest margin | 1.8171% | 4,880 |
| Noninterest income to average assets | 0.7461% | 1,704 |
| Noninterest expense to average assets | 1.2510% | 4,886 |
| Loan and lease loss provision to assets | 0.0489% | 3,784 |
| Net operating income to assets | 1.2397% | 1,416 |
| Return on assets (ROA) | 1.2397% | 1,522 |
| Pretax return on assets | 1.2397% | 2,195 |
| Return on Equity (ROE) | 13.3595% | 949 |
| Retained earnings to average equity (ytd only) | 7.3497% | 1,258 |
| Net charge-offs to loans | -0.0217% | 4,445 |
| Credit loss provision to net charge-offs | -934.2105% | 4,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2599% | 4,576 |
| Assets per employee ($millions) | 12.0387% | 317 |
| Cash dividends to net income (ytd only)* | 44.9850% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 1,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 22.9151% | 4,864 |
| Net loans and leases to deposits | 25.2458% | 4,878 |
| Net loans and leases to core deposits | 32.7013% | 4,824 |
| Total domestic deposits to total assets | 90.7681% | 287 |
| Equity capital to assets | 9.0437% | 4,016 |
| Core capital (leverage) ratio | 8.4523% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9309% | 247 |
| Memoranda: | ||
| Average total assets | $726,215,400 | 1,141 |
| Average earning assets | $716,809,800 | 1,079 |
| Average equity | $67,390,200 | 1,334 |
| Average total loans | $175,302,600 | 2,442 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5749% | 4,890 |
| Cost of funding earning assets | 0.5960% | 2,637 |
| Net interest margin | 1.9788% | 4,891 |
| Noninterest income to average assets | 0.7461% | 1,660 |
| Noninterest expense to average assets | 1.2649% | 4,918 |
| Loan and lease loss provision to assets | 0.0580% | 3,628 |
| Net operating income to assets | 1.3755% | 1,166 |
| Return on assets (ROA) | 1.3755% | 1,258 |
| Pretax return on assets | 1.3755% | 1,809 |
| Return on Equity (ROE) | 14.7203% | 740 |
| Retained earnings to average equity (ytd only) | 8.3089% | 1,209 |
| Net charge-offs to loans | -0.0307% | 4,539 |
| Credit loss provision to net charge-offs | -775.0000% | 3,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8743% | 4,672 |
| Assets per employee ($millions) | 11.0360% | 385 |
| Cash dividends to net income (ytd only)* | 43.5552% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 1,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 25.1865% | 4,888 |
| Net loans and leases to deposits | 27.9739% | 4,902 |
| Net loans and leases to core deposits | 36.0067% | 4,845 |
| Total domestic deposits to total assets | 90.0356% | 415 |
| Equity capital to assets | 9.7563% | 3,475 |
| Core capital (leverage) ratio | 8.7472% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9563% | 258 |
| Memoranda: | ||
| Average total assets | $712,141,000 | 1,145 |
| Average earning assets | $702,622,250 | 1,085 |
| Average equity | $66,545,750 | 1,336 |
| Average total loans | $173,579,750 | 2,455 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8053% | 4,907 |
| Cost of funding earning assets | 0.6237% | 2,844 |
| Net interest margin | 2.1816% | 4,889 |
| Noninterest income to average assets | 0.6796% | 1,812 |
| Noninterest expense to average assets | 1.2463% | 4,960 |
| Loan and lease loss provision to assets | 0.0549% | 3,614 |
| Net operating income to assets | 1.5310% | 878 |
| Return on assets (ROA) | 1.5310% | 951 |
| Pretax return on assets | 1.5310% | 1,383 |
| Return on Equity (ROE) | 16.6302% | 481 |
| Retained earnings to average equity (ytd only) | 12.9604% | 356 |
| Net charge-offs to loans | 0.0129% | 2,504 |
| Credit loss provision to net charge-offs | 1,772.7273% | 536 |
| Earnings coverage of net charge-offs (x) | 512.0909% | 201 |
| Efficiency ratio | 44.0060% | 4,811 |
| Assets per employee ($millions) | 11.5331% | 350 |
| Cash dividends to net income (ytd only)* | 22.0669% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 1,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 24.1688% | 4,926 |
| Net loans and leases to deposits | 26.6689% | 4,950 |
| Net loans and leases to core deposits | 33.5186% | 4,910 |
| Total domestic deposits to total assets | 90.6254% | 249 |
| Equity capital to assets | 9.1802% | 3,944 |
| Core capital (leverage) ratio | 8.4911% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4383% | 272 |
| Memoranda: | ||
| Average total assets | $710,407,333 | 1,128 |
| Average earning assets | $700,957,333 | 1,074 |
| Average equity | $65,399,000 | 1,342 |
| Average total loans | $170,269,667 | 2,468 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9562% | 4,967 |
| Cost of funding earning assets | 0.6812% | 3,011 |
| Net interest margin | 2.2750% | 4,930 |
| Noninterest income to average assets | 0.5542% | 2,260 |
| Noninterest expense to average assets | 1.2733% | 5,011 |
| Loan and lease loss provision to assets | 0.0261% | 3,463 |
| Net operating income to assets | 1.4980% | 787 |
| Return on assets (ROA) | 1.4980% | 864 |
| Pretax return on assets | 1.4980% | 1,313 |
| Return on Equity (ROE) | 16.2478% | 399 |
| Retained earnings to average equity (ytd only) | 8.7111% | 1,048 |
| Net charge-offs to loans | 0.0587% | 1,424 |
| Credit loss provision to net charge-offs | 187.5000% | 1,452 |
| Earnings coverage of net charge-offs (x) | 109.6667% | 542 |
| Efficiency ratio | 45.5185% | 4,844 |
| Assets per employee ($millions) | 10.7231% | 321 |
| Cash dividends to net income (ytd only)* | 46.3858% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 1,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 22.6962% | 4,988 |
| Net loans and leases to deposits | 25.1020% | 5,008 |
| Net loans and leases to core deposits | 31.7812% | 4,967 |
| Total domestic deposits to total assets | 90.4158% | 216 |
| Equity capital to assets | 9.3426% | 4,358 |
| Core capital (leverage) ratio | 8.7544% | 4,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4765% | 350 |
| Memoranda: | ||
| Average total assets | $690,784,500 | 1,128 |
| Average earning assets | $681,140,500 | 1,064 |
| Average equity | $63,688,500 | 1,364 |
| Average total loans | $163,478,000 | 2,507 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3568% | 4,935 |
| Cost of funding earning assets | 0.7106% | 3,114 |
| Net interest margin | 2.6462% | 4,869 |
| Noninterest income to average assets | 0.6433% | 2,033 |
| Noninterest expense to average assets | 1.4015% | 5,040 |
| Loan and lease loss provision to assets | 0.0288% | 3,437 |
| Net operating income to assets | 1.8171% | 507 |
| Return on assets (ROA) | 1.8171% | 531 |
| Pretax return on assets | 1.8171% | 895 |
| Return on Equity (ROE) | 19.3446% | 247 |
| Retained earnings to average equity (ytd only) | 10.6470% | 380 |
| Net charge-offs to loans | 0.1397% | 1,396 |
| Credit loss provision to net charge-offs | 75.9494% | 2,842 |
| Earnings coverage of net charge-offs (x) | 48.6203% | 1,147 |
| Efficiency ratio | 43.1581% | 5,006 |
| Assets per employee ($millions) | 10.5318% | 321 |
| Cash dividends to net income (ytd only)* | 44.9617% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 1,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 23.9229% | 5,037 |
| Net loans and leases to deposits | 26.4092% | 5,062 |
| Net loans and leases to core deposits | 32.4864% | 5,029 |
| Total domestic deposits to total assets | 90.5853% | 181 |
| Equity capital to assets | 9.0946% | 4,640 |
| Core capital (leverage) ratio | 8.7479% | 4,701 |
| Tier 1 risk-based capital ratio | 25.6673% | 704 |
| Total risk-based capital ratio | 26.7485% | 697 |
| Memoranda: | ||
| Average total assets | $624,251,600 | 1,188 |
| Average earning assets | $614,308,600 | 1,123 |
| Average equity | $58,636,400 | 1,391 |
| Average total loans | $169,617,800 | 2,413 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4431% | 4,993 |
| Cost of funding earning assets | 0.7151% | 3,135 |
| Net interest margin | 2.7280% | 4,917 |
| Noninterest income to average assets | 0.6387% | 2,035 |
| Noninterest expense to average assets | 1.4093% | 5,107 |
| Loan and lease loss provision to assets | 0.0295% | 3,311 |
| Net operating income to assets | 1.8834% | 515 |
| Return on assets (ROA) | 1.8834% | 534 |
| Pretax return on assets | 1.8834% | 901 |
| Return on Equity (ROE) | 19.8734% | 257 |
| Retained earnings to average equity (ytd only) | 12.0210% | 382 |
| Net charge-offs to loans | 0.1369% | 1,171 |
| Credit loss provision to net charge-offs | 77.1429% | 2,540 |
| Earnings coverage of net charge-offs (x) | 49.9423% | 1,191 |
| Efficiency ratio | 42.4204% | 5,066 |
| Assets per employee ($millions) | 9.8405% | 367 |
| Cash dividends to net income (ytd only)* | 39.5119% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 1,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 27.0735% | 5,100 |
| Net loans and leases to deposits | 30.1077% | 5,125 |
| Net loans and leases to core deposits | 37.4688% | 5,064 |
| Total domestic deposits to total assets | 89.9223% | 308 |
| Equity capital to assets | 9.8117% | 4,200 |
| Core capital (leverage) ratio | 9.3944% | 4,284 |
| Tier 1 risk-based capital ratio | 24.8711% | 771 |
| Total risk-based capital ratio | 25.9449% | 774 |
| Memoranda: | ||
| Average total assets | $609,172,000 | 1,211 |
| Average earning assets | $599,252,250 | 1,148 |
| Average equity | $57,730,750 | 1,408 |
| Average total loans | $170,458,250 | 2,437 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4661% | 5,033 |
| Cost of funding earning assets | 0.7121% | 3,101 |
| Net interest margin | 2.7541% | 4,961 |
| Noninterest income to average assets | 0.6037% | 2,129 |
| Noninterest expense to average assets | 1.3734% | 5,173 |
| Loan and lease loss provision to assets | 0.0299% | 3,220 |
| Net operating income to assets | 1.9090% | 469 |
| Return on assets (ROA) | 1.9090% | 492 |
| Pretax return on assets | 1.9090% | 822 |
| Return on Equity (ROE) | 20.3950% | 229 |
| Retained earnings to average equity (ytd only) | 12.5903% | 342 |
| Net charge-offs to loans | 0.1993% | 828 |
| Credit loss provision to net charge-offs | 53.2544% | 2,445 |
| Earnings coverage of net charge-offs (x) | 34.5503% | 1,352 |
| Efficiency ratio | 41.4637% | 5,130 |
| Assets per employee ($millions) | 9.3557% | 412 |
| Cash dividends to net income (ytd only)* | 38.2675% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 1,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 28.4039% | 5,119 |
| Net loans and leases to deposits | 31.6181% | 5,152 |
| Net loans and leases to core deposits | 38.8788% | 5,096 |
| Total domestic deposits to total assets | 89.8345% | 381 |
| Equity capital to assets | 9.9175% | 4,045 |
| Core capital (leverage) ratio | 9.3889% | 4,261 |
| Tier 1 risk-based capital ratio | 23.7287% | 873 |
| Total risk-based capital ratio | 24.7669% | 870 |
| Memoranda: | ||
| Average total assets | $602,299,670 | 1,222 |
| Average earning assets | $592,359,670 | 1,158 |
| Average equity | $56,376,670 | 1,424 |
| Average total loans | $169,607,670 | 2,457 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4167% | 5,097 |
| Cost of funding earning assets | 0.7050% | 3,024 |
| Net interest margin | 2.7117% | 5,053 |
| Noninterest income to average assets | 0.5529% | 2,273 |
| Noninterest expense to average assets | 1.3641% | 5,239 |
| Loan and lease loss provision to assets | 0.0298% | 3,020 |
| Net operating income to assets | 1.8283% | 535 |
| Return on assets (ROA) | 1.8283% | 553 |
| Pretax return on assets | 1.8283% | 924 |
| Return on Equity (ROE) | 20.1261% | 258 |
| Retained earnings to average equity (ytd only) | 12.8367% | 486 |
| Net charge-offs to loans | 1.0824% | 124 |
| Credit loss provision to net charge-offs | 9.8901% | 2,183 |
| Earnings coverage of net charge-offs (x) | 6.1670% | 2,211 |
| Efficiency ratio | 42.3346% | 5,157 |
| Assets per employee ($millions) | 9.4805% | 403 |
| Cash dividends to net income (ytd only)* | 36.2188% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 2,176 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 27.0917% | 5,189 |
| Net loans and leases to deposits | 29.9180% | 5,222 |
| Net loans and leases to core deposits | 37.1815% | 5,160 |
| Total domestic deposits to total assets | 90.5533% | 269 |
| Equity capital to assets | 9.2519% | 4,481 |
| Core capital (leverage) ratio | 9.0857% | 4,587 |
| Tier 1 risk-based capital ratio | 23.4132% | 895 |
| Total risk-based capital ratio | 24.3291% | 907 |
| Memoranda: | ||
| Average total assets | $604,068,500 | 1,216 |
| Average earning assets | $594,600,500 | 1,159 |
| Average equity | $54,874,000 | 1,452 |
| Average total loans | $168,143,000 | 2,491 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9832% | 5,239 |
| Cost of funding earning assets | 0.5470% | 3,066 |
| Net interest margin | 2.4362% | 5,237 |
| Noninterest income to average assets | 0.5918% | 2,341 |
| Noninterest expense to average assets | 1.4864% | 5,233 |
| Loan and lease loss provision to assets | 0.0229% | 3,712 |
| Net operating income to assets | 1.4739% | 1,193 |
| Return on assets (ROA) | 1.4739% | 1,183 |
| Pretax return on assets | 1.4739% | 1,864 |
| Return on Equity (ROE) | 16.2974% | 564 |
| Retained earnings to average equity (ytd only) | 7.9238% | 1,271 |
| Net charge-offs to loans | 0.0717% | 2,092 |
| Credit loss provision to net charge-offs | 106.5574% | 2,401 |
| Earnings coverage of net charge-offs (x) | 69.6639% | 938 |
| Efficiency ratio | 49.8258% | 4,951 |
| Assets per employee ($millions) | 9.3966% | 409 |
| Cash dividends to net income (ytd only)* | 51.3801% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 1,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 27.8072% | 5,235 |
| Net loans and leases to deposits | 30.5971% | 5,260 |
| Net loans and leases to core deposits | 37.8095% | 5,196 |
| Total domestic deposits to total assets | 90.8817% | 235 |
| Equity capital to assets | 8.9148% | 4,641 |
| Core capital (leverage) ratio | 8.7691% | 4,834 |
| Tier 1 risk-based capital ratio | 22.8533% | 936 |
| Total risk-based capital ratio | 23.9546% | 917 |
| Memoranda: | ||
| Average total assets | $567,800,200 | 1,251 |
| Average earning assets | $557,391,600 | 1,205 |
| Average equity | $51,351,800 | 1,478 |
| Average total loans | $170,080,200 | 2,438 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8938% | 5,329 |
| Cost of funding earning assets | 0.4993% | 3,208 |
| Net interest margin | 2.3945% | 5,321 |
| Noninterest income to average assets | 0.6083% | 2,264 |
| Noninterest expense to average assets | 1.5154% | 5,268 |
| Loan and lease loss provision to assets | 0.0215% | 3,587 |
| Net operating income to assets | 1.4205% | 1,413 |
| Return on assets (ROA) | 1.4205% | 1,415 |
| Pretax return on assets | 1.4205% | 2,156 |
| Return on Equity (ROE) | 15.6467% | 759 |
| Retained earnings to average equity (ytd only) | 7.5083% | 1,883 |
| Net charge-offs to loans | 0.0541% | 2,045 |
| Credit loss provision to net charge-offs | 130.4348% | 1,888 |
| Earnings coverage of net charge-offs (x) | 87.6790% | 832 |
| Efficiency ratio | 51.2411% | 4,870 |
| Assets per employee ($millions) | 8.8880% | 461 |
| Cash dividends to net income (ytd only)* | 52.0134% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 1,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 30.0866% | 5,277 |
| Net loans and leases to deposits | 33.2107% | 5,314 |
| Net loans and leases to core deposits | 41.5635% | 5,208 |
| Total domestic deposits to total assets | 90.5931% | 315 |
| Equity capital to assets | 9.1578% | 4,417 |
| Core capital (leverage) ratio | 9.1232% | 4,597 |
| Tier 1 risk-based capital ratio | 22.6333% | 978 |
| Total risk-based capital ratio | 23.7552% | 966 |
| Memoranda: | ||
| Average total assets | $559,404,250 | 1,272 |
| Average earning assets | $548,789,000 | 1,220 |
| Average equity | $50,786,750 | 1,491 |
| Average total loans | $170,157,250 | 2,456 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7868% | 5,408 |
| Cost of funding earning assets | 0.4588% | 3,294 |
| Net interest margin | 2.3279% | 5,406 |
| Noninterest income to average assets | 0.5746% | 2,453 |
| Noninterest expense to average assets | 1.4892% | 5,348 |
| Loan and lease loss provision to assets | 0.0216% | 3,478 |
| Net operating income to assets | 1.3458% | 1,614 |
| Return on assets (ROA) | 1.3458% | 1,620 |
| Pretax return on assets | 1.3458% | 2,340 |
| Return on Equity (ROE) | 14.8675% | 879 |
| Retained earnings to average equity (ytd only) | 9.3066% | 1,124 |
| Net charge-offs to loans | 0.0201% | 2,483 |
| Credit loss provision to net charge-offs | 352.9412% | 895 |
| Earnings coverage of net charge-offs (x) | 223.7059% | 396 |
| Efficiency ratio | 52.1334% | 4,873 |
| Assets per employee ($millions) | 8.8214% | 476 |
| Cash dividends to net income (ytd only)* | 37.4032% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 29.4976% | 5,337 |
| Net loans and leases to deposits | 32.5356% | 5,370 |
| Net loans and leases to core deposits | 40.0030% | 5,281 |
| Total domestic deposits to total assets | 90.6625% | 344 |
| Equity capital to assets | 9.1388% | 4,445 |
| Core capital (leverage) ratio | 9.0627% | 4,631 |
| Tier 1 risk-based capital ratio | 22.4027% | 995 |
| Total risk-based capital ratio | 23.5341% | 989 |
| Memoranda: | ||
| Average total assets | $556,260,670 | 1,279 |
| Average earning assets | $545,290,330 | 1,227 |
| Average equity | $50,351,330 | 1,512 |
| Average total loans | $168,976,330 | 2,470 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7018% | 5,480 |
| Cost of funding earning assets | 0.4249% | 3,402 |
| Net interest margin | 2.2768% | 5,481 |
| Noninterest income to average assets | 0.5470% | 2,535 |
| Noninterest expense to average assets | 1.5171% | 5,378 |
| Loan and lease loss provision to assets | 0.0217% | 3,246 |
| Net operating income to assets | 1.2403% | 1,847 |
| Return on assets (ROA) | 1.2403% | 1,856 |
| Pretax return on assets | 1.2403% | 2,594 |
| Return on Equity (ROE) | 13.7705% | 1,064 |
| Retained earnings to average equity (ytd only) | 8.5422% | 1,644 |
| Net charge-offs to loans | -0.0474% | 4,945 |
| Credit loss provision to net charge-offs | -150.0000% | 3,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5881% | 4,731 |
| Assets per employee ($millions) | 8.6955% | 492 |
| Cash dividends to net income (ytd only)* | 37.9673% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 1,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 29.6662% | 5,371 |
| Net loans and leases to deposits | 32.6703% | 5,412 |
| Net loans and leases to core deposits | 40.1300% | 5,304 |
| Total domestic deposits to total assets | 90.8046% | 381 |
| Equity capital to assets | 9.0000% | 4,554 |
| Core capital (leverage) ratio | 9.0357% | 4,644 |
| Tier 1 risk-based capital ratio | 22.4035% | 1,004 |
| Total risk-based capital ratio | 23.5672% | 994 |
| Memoranda: | ||
| Average total assets | $552,105,500 | 1,296 |
| Average earning assets | $541,278,500 | 1,245 |
| Average equity | $49,729,500 | 1,542 |
| Average total loans | $168,907,500 | 2,487 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4471% | 5,566 |
| Cost of funding earning assets | 0.4050% | 3,201 |
| Net interest margin | 2.0421% | 5,570 |
| Noninterest income to average assets | 0.6301% | 2,306 |
| Noninterest expense to average assets | 1.4941% | 5,478 |
| Loan and lease loss provision to assets | 0.0490% | 3,243 |
| Net operating income to assets | 1.0850% | 1,910 |
| Return on assets (ROA) | 1.0850% | 1,934 |
| Pretax return on assets | 1.0850% | 3,247 |
| Return on Equity (ROE) | 11.8812% | 1,242 |
| Retained earnings to average equity (ytd only) | 5.3758% | 1,877 |
| Net charge-offs to loans | 0.1036% | 2,028 |
| Credit loss provision to net charge-offs | 149.4253% | 1,790 |
| Earnings coverage of net charge-offs (x) | 34.5575% | 1,393 |
| Efficiency ratio | 56.8497% | 4,676 |
| Assets per employee ($millions) | 8.5578% | 522 |
| Cash dividends to net income (ytd only)* | 54.7540% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 1,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 30.6002% | 5,426 |
| Net loans and leases to deposits | 33.6848% | 5,465 |
| Net loans and leases to core deposits | 42.5137% | 5,333 |
| Total domestic deposits to total assets | 90.8428% | 282 |
| Equity capital to assets | 9.0146% | 4,701 |
| Core capital (leverage) ratio | 8.9176% | 4,738 |
| Tier 1 risk-based capital ratio | 21.8330% | 1,041 |
| Total risk-based capital ratio | 22.9694% | 1,028 |
| Memoranda: | ||
| Average total assets | $530,229,800 | 1,329 |
| Average earning assets | $518,778,400 | 1,262 |
| Average equity | $48,421,000 | 1,558 |
| Average total loans | $167,997,400 | 2,444 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4466% | 5,633 |
| Cost of funding earning assets | 0.4056% | 3,130 |
| Net interest margin | 2.0409% | 5,636 |
| Noninterest income to average assets | 0.6100% | 2,423 |
| Noninterest expense to average assets | 1.4670% | 5,541 |
| Loan and lease loss provision to assets | 0.0583% | 2,917 |
| Net operating income to assets | 1.0811% | 2,170 |
| Return on assets (ROA) | 1.0811% | 2,228 |
| Pretax return on assets | 1.0811% | 3,378 |
| Return on Equity (ROE) | 11.7992% | 1,397 |
| Retained earnings to average equity (ytd only) | 6.4032% | 2,008 |
| Net charge-offs to loans | 0.0287% | 2,860 |
| Credit loss provision to net charge-offs | 638.8889% | 516 |
| Earnings coverage of net charge-offs (x) | 124.8302% | 610 |
| Efficiency ratio | 56.2840% | 4,707 |
| Assets per employee ($millions) | 8.2889% | 566 |
| Cash dividends to net income (ytd only)* | 45.7318% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 1,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 31.9695% | 5,456 |
| Net loans and leases to deposits | 35.3027% | 5,505 |
| Net loans and leases to core deposits | 44.1816% | 5,361 |
| Total domestic deposits to total assets | 90.5582% | 309 |
| Equity capital to assets | 9.3018% | 4,646 |
| Core capital (leverage) ratio | 9.0427% | 4,696 |
| Tier 1 risk-based capital ratio | 21.7573% | 1,074 |
| Total risk-based capital ratio | 22.9450% | 1,060 |
| Memoranda: | ||
| Average total assets | $525,861,750 | 1,346 |
| Average earning assets | $514,397,000 | 1,281 |
| Average equity | $48,183,000 | 1,579 |
| Average total loans | $167,463,250 | 2,466 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3927% | 5,685 |
| Cost of funding earning assets | 0.4034% | 3,036 |
| Net interest margin | 1.9893% | 5,694 |
| Noninterest income to average assets | 0.5947% | 2,490 |
| Noninterest expense to average assets | 1.4514% | 5,602 |
| Loan and lease loss provision to assets | 0.0763% | 2,455 |
| Net operating income to assets | 1.0120% | 2,372 |
| Return on assets (ROA) | 1.0120% | 2,411 |
| Pretax return on assets | 1.0120% | 3,517 |
| Return on Equity (ROE) | 11.1014% | 1,601 |
| Retained earnings to average equity (ytd only) | 5.6616% | 2,318 |
| Net charge-offs to loans | 0.0072% | 3,202 |
| Credit loss provision to net charge-offs | 3,333.3333% | 125 |
| Earnings coverage of net charge-offs (x) | 475.5000% | 175 |
| Efficiency ratio | 57.1493% | 4,687 |
| Assets per employee ($millions) | 8.3990% | 527 |
| Cash dividends to net income (ytd only)* | 49.0011% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 1,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 31.4858% | 5,507 |
| Net loans and leases to deposits | 34.6884% | 5,562 |
| Net loans and leases to core deposits | 42.7062% | 5,435 |
| Total domestic deposits to total assets | 90.7673% | 273 |
| Equity capital to assets | 9.0857% | 4,817 |
| Core capital (leverage) ratio | 8.7793% | 4,975 |
| Tier 1 risk-based capital ratio | 21.5245% | 1,114 |
| Total risk-based capital ratio | 22.7233% | 1,096 |
| Memoranda: | ||
| Average total assets | $524,319,000 | 1,354 |
| Average earning assets | $512,648,000 | 1,292 |
| Average equity | $47,795,670 | 1,595 |
| Average total loans | $165,871,330 | 2,487 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3689% | 5,752 |
| Cost of funding earning assets | 0.3992% | 3,003 |
| Net interest margin | 1.9697% | 5,759 |
| Noninterest income to average assets | 0.5741% | 2,542 |
| Noninterest expense to average assets | 1.4943% | 5,635 |
| Loan and lease loss provision to assets | 0.0734% | 2,333 |
| Net operating income to assets | 0.9318% | 2,602 |
| Return on assets (ROA) | 0.9318% | 2,657 |
| Pretax return on assets | 0.9318% | 3,651 |
| Return on Equity (ROE) | 10.2043% | 1,871 |
| Retained earnings to average equity (ytd only) | 4.7045% | 3,052 |
| Net charge-offs to loans | 0.0368% | 2,052 |
| Credit loss provision to net charge-offs | 633.3333% | 492 |
| Earnings coverage of net charge-offs (x) | 86.7333% | 620 |
| Efficiency ratio | 59.7836% | 4,483 |
| Assets per employee ($millions) | 8.1408% | 582 |
| Cash dividends to net income (ytd only)* | 53.8972% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 1,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 30.7330% | 5,566 |
| Net loans and leases to deposits | 33.8970% | 5,619 |
| Net loans and leases to core deposits | 43.3275% | 5,432 |
| Total domestic deposits to total assets | 90.6658% | 403 |
| Equity capital to assets | 9.1962% | 4,620 |
| Core capital (leverage) ratio | 9.0988% | 4,621 |
| Tier 1 risk-based capital ratio | 18.1609% | 1,817 |
| Total risk-based capital ratio | 19.1453% | 1,868 |
| Memoranda: | ||
| Average total assets | $517,711,000 | 1,373 |
| Average earning assets | $506,057,500 | 1,301 |
| Average equity | $47,274,000 | 1,605 |
| Average total loans | $162,861,500 | 2,539 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4207% | 5,784 |
| Cost of funding earning assets | 0.4127% | 2,884 |
| Net interest margin | 2.0081% | 5,807 |
| Noninterest income to average assets | 0.6130% | 2,592 |
| Noninterest expense to average assets | 1.5128% | 5,708 |
| Loan and lease loss provision to assets | 0.0630% | 3,116 |
| Net operating income to assets | 0.9967% | 2,364 |
| Return on assets (ROA) | 1.0005% | 2,456 |
| Pretax return on assets | 1.0005% | 3,478 |
| Return on Equity (ROE) | 11.1082% | 1,545 |
| Retained earnings to average equity (ytd only) | 5.2935% | 2,137 |
| Net charge-offs to loans | 0.0787% | 2,561 |
| Credit loss provision to net charge-offs | 260.0000% | 1,109 |
| Earnings coverage of net charge-offs (x) | 43.7040% | 1,104 |
| Efficiency ratio | 58.8071% | 4,745 |
| Assets per employee ($millions) | 8.0377% | 601 |
| Cash dividends to net income (ytd only)* | 52.3459% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 1,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 31.2242% | 5,618 |
| Net loans and leases to deposits | 34.3846% | 5,672 |
| Net loans and leases to core deposits | 42.9339% | 5,522 |
| Total domestic deposits to total assets | 90.8087% | 342 |
| Equity capital to assets | 9.0657% | 4,748 |
| Core capital (leverage) ratio | 9.0592% | 4,669 |
| Tier 1 risk-based capital ratio | 21.6522% | 1,122 |
| Total risk-based capital ratio | 22.8024% | 1,119 |
| Memoranda: | ||
| Average total assets | $515,524,600 | 1,331 |
| Average earning assets | $503,074,400 | 1,271 |
| Average equity | $46,434,200 | 1,628 |
| Average total loans | $158,774,200 | 2,534 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4291% | 5,843 |
| Cost of funding earning assets | 0.4164% | 2,872 |
| Net interest margin | 2.0126% | 5,872 |
| Noninterest income to average assets | 0.6072% | 2,627 |
| Noninterest expense to average assets | 1.5052% | 5,752 |
| Loan and lease loss provision to assets | 0.0499% | 3,248 |
| Net operating income to assets | 1.0161% | 2,357 |
| Return on assets (ROA) | 1.0161% | 2,491 |
| Pretax return on assets | 1.0161% | 3,575 |
| Return on Equity (ROE) | 11.2996% | 1,560 |
| Retained earnings to average equity (ytd only) | 5.6944% | 2,358 |
| Net charge-offs to loans | 0.1015% | 1,932 |
| Credit loss provision to net charge-offs | 160.8333% | 1,693 |
| Earnings coverage of net charge-offs (x) | 34.3658% | 1,364 |
| Efficiency ratio | 58.5403% | 4,744 |
| Assets per employee ($millions) | 7.6487% | 685 |
| Cash dividends to net income (ytd only)* | 49.6058% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 2,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 33.2337% | 5,649 |
| Net loans and leases to deposits | 36.8722% | 5,709 |
| Net loans and leases to core deposits | 45.7114% | 5,521 |
| Total domestic deposits to total assets | 90.1321% | 437 |
| Equity capital to assets | 9.6824% | 4,481 |
| Core capital (leverage) ratio | 9.2625% | 4,517 |
| Tier 1 risk-based capital ratio | 20.7792% | 1,307 |
| Total risk-based capital ratio | 21.8367% | 1,311 |
| Memoranda: | ||
| Average total assets | $515,802,750 | 1,334 |
| Average earning assets | $503,339,000 | 1,274 |
| Average equity | $46,384,000 | 1,635 |
| Average total loans | $157,700,000 | 2,553 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3938% | 5,933 |
| Cost of funding earning assets | 0.4172% | 2,864 |
| Net interest margin | 1.9766% | 5,956 |
| Noninterest income to average assets | 0.5807% | 2,717 |
| Noninterest expense to average assets | 1.4629% | 5,862 |
| Loan and lease loss provision to assets | 0.0374% | 3,410 |
| Net operating income to assets | 1.0115% | 2,339 |
| Return on assets (ROA) | 1.0115% | 2,477 |
| Pretax return on assets | 1.0115% | 3,538 |
| Return on Equity (ROE) | 11.5232% | 1,471 |
| Retained earnings to average equity (ytd only) | 5.8767% | 2,199 |
| Net charge-offs to loans | 0.0580% | 2,358 |
| Credit loss provision to net charge-offs | 217.7778% | 1,228 |
| Earnings coverage of net charge-offs (x) | 61.1333% | 862 |
| Efficiency ratio | 58.2423% | 4,868 |
| Assets per employee ($millions) | 7.8017% | 614 |
| Cash dividends to net income (ytd only)* | 49.0011% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 2,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 32.3848% | 5,734 |
| Net loans and leases to deposits | 35.8231% | 5,794 |
| Net loans and leases to core deposits | 44.1286% | 5,622 |
| Total domestic deposits to total assets | 90.4021% | 351 |
| Equity capital to assets | 9.4238% | 4,848 |
| Core capital (leverage) ratio | 8.6851% | 5,182 |
| Tier 1 risk-based capital ratio | 20.1079% | 1,440 |
| Total risk-based capital ratio | 21.1366% | 1,445 |
| Memoranda: | ||
| Average total assets | $524,564,330 | 1,322 |
| Average earning assets | $512,496,670 | 1,257 |
| Average equity | $46,046,330 | 1,649 |
| Average total loans | $155,264,000 | 2,586 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2931% | 6,021 |
| Cost of funding earning assets | 0.4079% | 2,985 |
| Net interest margin | 1.8852% | 6,031 |
| Noninterest income to average assets | 0.5391% | 2,874 |
| Noninterest expense to average assets | 1.4468% | 5,940 |
| Loan and lease loss provision to assets | 0.0171% | 3,465 |
| Net operating income to assets | 0.9196% | 2,653 |
| Return on assets (ROA) | 0.9196% | 2,762 |
| Pretax return on assets | 0.9196% | 3,766 |
| Return on Equity (ROE) | 10.8470% | 1,656 |
| Retained earnings to average equity (ytd only) | 5.1381% | 2,850 |
| Net charge-offs to loans | 0.0398% | 2,204 |
| Credit loss provision to net charge-offs | 153.3333% | 1,255 |
| Earnings coverage of net charge-offs (x) | 83.8667% | 613 |
| Efficiency ratio | 60.6998% | 4,649 |
| Assets per employee ($millions) | 8.1261% | 540 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 1,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 28.4307% | 5,863 |
| Net loans and leases to deposits | 31.2504% | 5,911 |
| Net loans and leases to core deposits | 39.4611% | 5,785 |
| Total domestic deposits to total assets | 90.9768% | 285 |
| Equity capital to assets | 8.8584% | 5,289 |
| Core capital (leverage) ratio | 8.3534% | 5,513 |
| Tier 1 risk-based capital ratio | 20.7113% | 1,360 |
| Total risk-based capital ratio | 21.7682% | 1,378 |
| Memoranda: | ||
| Average total assets | $537,192,500 | 1,294 |
| Average earning assets | $525,573,000 | 1,227 |
| Average equity | $45,542,500 | 1,654 |
| Average total loans | $150,894,500 | 2,634 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3254% | 6,045 |
| Cost of funding earning assets | 0.3963% | 3,200 |
| Net interest margin | 1.9291% | 6,058 |
| Noninterest income to average assets | 0.6179% | 2,630 |
| Noninterest expense to average assets | 1.4848% | 5,992 |
| Loan and lease loss provision to assets | 0.0238% | 3,910 |
| Net operating income to assets | 0.9937% | 2,399 |
| Return on assets (ROA) | 1.1002% | 1,999 |
| Pretax return on assets | 1.1002% | 3,061 |
| Return on Equity (ROE) | 12.6453% | 1,143 |
| Retained earnings to average equity (ytd only) | 6.5804% | 1,499 |
| Net charge-offs to loans | 0.3185% | 943 |
| Credit loss provision to net charge-offs | 26.0042% | 3,693 |
| Earnings coverage of net charge-offs (x) | 11.1290% | 2,616 |
| Efficiency ratio | 59.3388% | 4,988 |
| Assets per employee ($millions) | 8.6612% | 440 |
| Cash dividends to net income (ytd only)* | 47.9621% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 2,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 26.9561% | 5,959 |
| Net loans and leases to deposits | 29.3788% | 6,002 |
| Net loans and leases to core deposits | 36.4473% | 5,910 |
| Total domestic deposits to total assets | 91.7536% | 136 |
| Equity capital to assets | 8.1208% | 5,799 |
| Core capital (leverage) ratio | 8.1247% | 5,763 |
| Tier 1 risk-based capital ratio | 20.1745% | 1,449 |
| Total risk-based capital ratio | 21.2141% | 1,463 |
| Memoranda: | ||
| Average total assets | $517,369,600 | 1,297 |
| Average earning assets | $505,369,200 | 1,234 |
| Average equity | $45,012,800 | 1,638 |
| Average total loans | $148,512,000 | 2,617 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3480% | 6,135 |
| Cost of funding earning assets | 0.3991% | 3,233 |
| Net interest margin | 1.9489% | 6,145 |
| Noninterest income to average assets | 0.6240% | 2,616 |
| Noninterest expense to average assets | 1.5240% | 6,026 |
| Loan and lease loss provision to assets | 0.0178% | 3,922 |
| Net operating income to assets | 0.9850% | 2,541 |
| Return on assets (ROA) | 1.1296% | 1,972 |
| Pretax return on assets | 1.1296% | 3,102 |
| Return on Equity (ROE) | 12.7518% | 1,185 |
| Retained earnings to average equity (ytd only) | 6.7387% | 1,814 |
| Net charge-offs to loans | 0.0605% | 2,733 |
| Credit loss provision to net charge-offs | 101.4925% | 2,234 |
| Earnings coverage of net charge-offs (x) | 57.0454% | 946 |
| Efficiency ratio | 60.3115% | 4,845 |
| Assets per employee ($millions) | 8.0267% | 535 |
| Cash dividends to net income (ytd only)* | 47.1545% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7169% | 1,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 28.9837% | 6,006 |
| Net loans and leases to deposits | 31.9257% | 6,050 |
| Net loans and leases to core deposits | 38.5111% | 5,958 |
| Total domestic deposits to total assets | 90.7851% | 310 |
| Equity capital to assets | 8.9876% | 5,314 |
| Core capital (leverage) ratio | 8.3980% | 5,631 |
| Tier 1 risk-based capital ratio | 20.2968% | 1,474 |
| Total risk-based capital ratio | 21.5251% | 1,455 |
| Memoranda: | ||
| Average total assets | $508,133,000 | 1,327 |
| Average earning assets | $496,129,500 | 1,270 |
| Average equity | $45,012,250 | 1,654 |
| Average total loans | $147,722,000 | 2,633 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3599% | 6,206 |
| Cost of funding earning assets | 0.3978% | 3,298 |
| Net interest margin | 1.9622% | 6,213 |
| Noninterest income to average assets | 0.6167% | 2,645 |
| Noninterest expense to average assets | 1.5205% | 6,103 |
| Loan and lease loss provision to assets | 0.0178% | 3,769 |
| Net operating income to assets | 0.9959% | 2,408 |
| Return on assets (ROA) | 1.1990% | 1,679 |
| Pretax return on assets | 1.1990% | 2,779 |
| Return on Equity (ROE) | 13.6018% | 982 |
| Retained earnings to average equity (ytd only) | 7.6412% | 1,413 |
| Net charge-offs to loans | 0.0751% | 2,320 |
| Credit loss provision to net charge-offs | 81.8182% | 2,305 |
| Earnings coverage of net charge-offs (x) | 46.6545% | 1,011 |
| Efficiency ratio | 60.0000% | 4,978 |
| Assets per employee ($millions) | 7.9593% | 534 |
| Cash dividends to net income (ytd only)* | 43.8221% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 1,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 28.6494% | 6,078 |
| Net loans and leases to deposits | 31.5247% | 6,127 |
| Net loans and leases to core deposits | 37.8051% | 6,031 |
| Total domestic deposits to total assets | 90.8792% | 326 |
| Equity capital to assets | 8.9101% | 5,330 |
| Core capital (leverage) ratio | 8.2843% | 5,722 |
| Tier 1 risk-based capital ratio | 20.4556% | 1,460 |
| Total risk-based capital ratio | 21.7049% | 1,433 |
| Memoranda: | ||
| Average total assets | $506,274,330 | 1,341 |
| Average earning assets | $494,760,000 | 1,277 |
| Average equity | $44,626,330 | 1,676 |
| Average total loans | $146,465,000 | 2,668 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3497% | 6,272 |
| Cost of funding earning assets | 0.3918% | 3,390 |
| Net interest margin | 1.9580% | 6,288 |
| Noninterest income to average assets | 0.5461% | 2,979 |
| Noninterest expense to average assets | 1.4979% | 6,179 |
| Loan and lease loss provision to assets | 0.0182% | 3,482 |
| Net operating income to assets | 0.9471% | 2,527 |
| Return on assets (ROA) | 1.2173% | 1,591 |
| Pretax return on assets | 1.2173% | 2,600 |
| Return on Equity (ROE) | 13.8862% | 904 |
| Retained earnings to average equity (ytd only) | 7.7386% | 1,669 |
| Net charge-offs to loans | -0.0303% | 5,257 |
| Credit loss provision to net charge-offs | -209.0909% | 4,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8108% | 4,988 |
| Assets per employee ($millions) | 8.0821% | 523 |
| Cash dividends to net income (ytd only)* | 44.2708% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7800% | 1,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 28.5445% | 6,119 |
| Net loans and leases to deposits | 31.4317% | 6,174 |
| Net loans and leases to core deposits | 37.6521% | 6,053 |
| Total domestic deposits to total assets | 90.8145% | 432 |
| Equity capital to assets | 8.9806% | 5,316 |
| Core capital (leverage) ratio | 8.2886% | 5,739 |
| Tier 1 risk-based capital ratio | 20.4270% | 1,533 |
| Total risk-based capital ratio | 21.6775% | 1,506 |
| Memoranda: | ||
| Average total assets | $504,713,000 | 1,347 |
| Average earning assets | $494,184,500 | 1,284 |
| Average equity | $44,245,500 | 1,689 |
| Average total loans | $145,433,000 | 2,679 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7717% | 6,222 |
| Cost of funding earning assets | 0.4176% | 3,502 |
| Net interest margin | 2.3541% | 6,245 |
| Noninterest income to average assets | 0.5052% | 3,461 |
| Noninterest expense to average assets | 1.6321% | 6,218 |
| Loan and lease loss provision to assets | -0.0116% | 5,922 |
| Net operating income to assets | 1.1856% | 1,632 |
| Return on assets (ROA) | 1.3642% | 1,197 |
| Pretax return on assets | 1.3642% | 2,019 |
| Return on Equity (ROE) | 15.2080% | 745 |
| Retained earnings to average equity (ytd only) | 9.0558% | 693 |
| Net charge-offs to loans | 0.0697% | 3,480 |
| Credit loss provision to net charge-offs | -54.6392% | 5,426 |
| Earnings coverage of net charge-offs (x) | 55.4845% | 846 |
| Efficiency ratio | 58.1623% | 5,440 |
| Assets per employee ($millions) | 7.3567% | 703 |
| Cash dividends to net income (ytd only)* | 40.4541% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8196% | 1,490 |
| Loan loss allowance to noncurrent loans | 86,666.6667% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 6,109 |
| Noncurrent loans to loans | 0.0021% | 5,929 |
| Net loans and leases to total assets | 28.0440% | 6,235 |
| Net loans and leases to deposits | 30.7050% | 6,283 |
| Net loans and leases to core deposits | 36.4429% | 6,194 |
| Total domestic deposits to total assets | 91.3336% | 265 |
| Equity capital to assets | 8.5485% | 5,703 |
| Core capital (leverage) ratio | 8.1246% | 5,909 |
| Tier 1 risk-based capital ratio | 18.0292% | 2,124 |
| Total risk-based capital ratio | 19.2342% | 2,108 |
| Memoranda: | ||
| Average total assets | $458,421,200 | 1,457 |
| Average earning assets | $448,061,200 | 1,366 |
| Average equity | $41,123,000 | 1,743 |
| Average total loans | $139,085,800 | 2,722 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8380% | 6,257 |
| Cost of funding earning assets | 0.4273% | 3,489 |
| Net interest margin | 2.4107% | 6,290 |
| Noninterest income to average assets | 0.5182% | 3,420 |
| Noninterest expense to average assets | 1.6319% | 6,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2402% | 1,552 |
| Return on assets (ROA) | 1.3745% | 1,230 |
| Pretax return on assets | 1.3745% | 2,100 |
| Return on Equity (ROE) | 15.1235% | 799 |
| Retained earnings to average equity (ytd only) | 9.0649% | 975 |
| Net charge-offs to loans | 0.0907% | 2,918 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 44.3298% | 1,059 |
| Efficiency ratio | 56.8187% | 5,574 |
| Assets per employee ($millions) | 6.7598% | 889 |
| Cash dividends to net income (ytd only)* | 40.0607% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8681% | 1,532 |
| Loan loss allowance to noncurrent loans | 976.4706% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 5,910 |
| Noncurrent loans to loans | 0.1913% | 5,334 |
| Net loans and leases to total assets | 30.3534% | 6,238 |
| Net loans and leases to deposits | 33.5460% | 6,311 |
| Net loans and leases to core deposits | 40.1114% | 6,174 |
| Total domestic deposits to total assets | 90.4829% | 536 |
| Equity capital to assets | 9.3013% | 5,032 |
| Core capital (leverage) ratio | 8.5536% | 5,593 |
| Tier 1 risk-based capital ratio | 18.1831% | 2,153 |
| Total risk-based capital ratio | 19.4333% | 2,112 |
| Memoranda: | ||
| Average total assets | $447,963,250 | 1,493 |
| Average earning assets | $437,435,500 | 1,409 |
| Average equity | $40,712,750 | 1,762 |
| Average total loans | $138,134,500 | 2,756 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8831% | 6,267 |
| Cost of funding earning assets | 0.4365% | 3,476 |
| Net interest margin | 2.4467% | 6,324 |
| Noninterest income to average assets | 0.5053% | 3,446 |
| Noninterest expense to average assets | 1.6245% | 6,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2692% | 1,396 |
| Return on assets (ROA) | 1.3268% | 1,285 |
| Pretax return on assets | 1.3268% | 2,165 |
| Return on Equity (ROE) | 14.7182% | 836 |
| Retained earnings to average equity (ytd only) | 8.7230% | 1,069 |
| Net charge-offs to loans | 0.0658% | 3,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 62.6222% | 783 |
| Efficiency ratio | 56.1401% | 5,734 |
| Assets per employee ($millions) | 6.4054% | 1,061 |
| Cash dividends to net income (ytd only)* | 40.7332% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9114% | 1,557 |
| Loan loss allowance to noncurrent loans | 374.6537% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 5,653 |
| Noncurrent loans to loans | 0.5102% | 4,470 |
| Net loans and leases to total assets | 31.8697% | 6,248 |
| Net loans and leases to deposits | 35.3136% | 6,314 |
| Net loans and leases to core deposits | 42.1845% | 6,143 |
| Total domestic deposits to total assets | 90.2477% | 688 |
| Equity capital to assets | 9.5016% | 4,744 |
| Core capital (leverage) ratio | 8.2093% | 5,923 |
| Tier 1 risk-based capital ratio | 17.4602% | 2,430 |
| Total risk-based capital ratio | 18.7105% | 2,403 |
| Memoranda: | ||
| Average total assets | $444,062,670 | 1,506 |
| Average earning assets | $433,485,000 | 1,426 |
| Average equity | $40,032,000 | 1,780 |
| Average total loans | $136,786,000 | 2,766 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7925% | 6,407 |
| Cost of funding earning assets | 0.4380% | 3,560 |
| Net interest margin | 2.3544% | 6,447 |
| Noninterest income to average assets | 0.4925% | 3,474 |
| Noninterest expense to average assets | 1.5686% | 6,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2259% | 1,410 |
| Return on assets (ROA) | 1.2259% | 1,464 |
| Pretax return on assets | 1.2259% | 2,368 |
| Return on Equity (ROE) | 13.9652% | 951 |
| Retained earnings to average equity (ytd only) | 7.8669% | 1,649 |
| Net charge-offs to loans | 0.1934% | 1,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 21.1385% | 1,306 |
| Efficiency ratio | 56.1303% | 5,827 |
| Assets per employee ($millions) | 7.3747% | 673 |
| Cash dividends to net income (ytd only)* | 43.6681% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9831% | 1,546 |
| Loan loss allowance to noncurrent loans | 22,375.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 6,338 |
| Noncurrent loans to loans | 0.0089% | 6,151 |
| Net loans and leases to total assets | 29.5004% | 6,373 |
| Net loans and leases to deposits | 32.4686% | 6,420 |
| Net loans and leases to core deposits | 39.4258% | 6,256 |
| Total domestic deposits to total assets | 90.8582% | 622 |
| Equity capital to assets | 8.9468% | 5,169 |
| Core capital (leverage) ratio | 8.0682% | 6,070 |
| Tier 1 risk-based capital ratio | 17.2226% | 2,591 |
| Total risk-based capital ratio | 18.4729% | 2,546 |
| Memoranda: | ||
| Average total assets | $448,309,000 | 1,491 |
| Average earning assets | $438,324,000 | 1,406 |
| Average equity | $39,355,000 | 1,792 |
| Average total loans | $134,419,000 | 2,822 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1009% | 6,238 |
| Cost of funding earning assets | 0.4801% | 3,818 |
| Net interest margin | 2.6208% | 6,241 |
| Noninterest income to average assets | 0.5157% | 3,660 |
| Noninterest expense to average assets | 1.6308% | 6,496 |
| Loan and lease loss provision to assets | 0.0411% | 4,295 |
| Net operating income to assets | 1.3968% | 1,029 |
| Return on assets (ROA) | 1.4142% | 1,030 |
| Pretax return on assets | 1.4142% | 1,735 |
| Return on Equity (ROE) | 15.6267% | 669 |
| Retained earnings to average equity (ytd only) | 7.8239% | 1,113 |
| Net charge-offs to loans | 0.0578% | 4,415 |
| Credit loss provision to net charge-offs | 236.9863% | 969 |
| Earnings coverage of net charge-offs (x) | 82.8493% | 538 |
| Efficiency ratio | 53.1417% | 6,205 |
| Assets per employee ($millions) | 7.3239% | 651 |
| Cash dividends to net income (ytd only)* | 49.9328% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0608% | 1,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 29.2535% | 6,489 |
| Net loans and leases to deposits | 32.0570% | 6,535 |
| Net loans and leases to core deposits | 39.5040% | 6,381 |
| Total domestic deposits to total assets | 91.2548% | 481 |
| Equity capital to assets | 8.6091% | 5,472 |
| Core capital (leverage) ratio | 7.9467% | 6,174 |
| Tier 1 risk-based capital ratio | 17.7398% | 2,322 |
| Total risk-based capital ratio | 18.9914% | 2,302 |
| Memoranda: | ||
| Average total assets | $420,592,400 | 1,570 |
| Average earning assets | $409,722,200 | 1,482 |
| Average equity | $38,063,000 | 1,824 |
| Average total loans | $126,270,800 | 2,912 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1880% | 6,215 |
| Cost of funding earning assets | 0.4890% | 3,879 |
| Net interest margin | 2.6990% | 6,179 |
| Noninterest income to average assets | 0.5168% | 3,696 |
| Noninterest expense to average assets | 1.6249% | 6,536 |
| Loan and lease loss provision to assets | 0.0435% | 4,143 |
| Net operating income to assets | 1.4751% | 941 |
| Return on assets (ROA) | 1.4954% | 954 |
| Pretax return on assets | 1.4954% | 1,627 |
| Return on Equity (ROE) | 16.3101% | 607 |
| Retained earnings to average equity (ytd only) | 8.7591% | 1,134 |
| Net charge-offs to loans | 0.0075% | 5,018 |
| Credit loss provision to net charge-offs | 1,928.5714% | 170 |
| Earnings coverage of net charge-offs (x) | 673.9378% | 80 |
| Efficiency ratio | 51.6902% | 6,276 |
| Assets per employee ($millions) | 7.0310% | 737 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0830% | 1,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 30.9554% | 6,493 |
| Net loans and leases to deposits | 34.1207% | 6,567 |
| Net loans and leases to core deposits | 42.0630% | 6,382 |
| Total domestic deposits to total assets | 90.7234% | 644 |
| Equity capital to assets | 9.0149% | 5,169 |
| Core capital (leverage) ratio | 8.2477% | 6,017 |
| Tier 1 risk-based capital ratio | 20.0780% | 1,719 |
| Total risk-based capital ratio | 21.3327% | 1,690 |
| Memoranda: | ||
| Average total assets | $414,050,500 | 1,601 |
| Average earning assets | $402,959,500 | 1,514 |
| Average equity | $37,963,250 | 1,839 |
| Average total loans | $124,477,750 | 2,967 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2091% | 6,217 |
| Cost of funding earning assets | 0.4935% | 3,956 |
| Net interest margin | 2.7156% | 6,157 |
| Noninterest income to average assets | 0.4963% | 3,864 |
| Noninterest expense to average assets | 1.6080% | 6,583 |
| Loan and lease loss provision to assets | 0.0437% | 4,090 |
| Net operating income to assets | 1.4874% | 922 |
| Return on assets (ROA) | 1.4874% | 993 |
| Pretax return on assets | 1.4874% | 1,658 |
| Return on Equity (ROE) | 16.1303% | 650 |
| Retained earnings to average equity (ytd only) | 8.7504% | 1,202 |
| Net charge-offs to loans | 0.0198% | 4,448 |
| Credit loss provision to net charge-offs | 750.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 262.5000% | 194 |
| Efficiency ratio | 51.2233% | 6,334 |
| Assets per employee ($millions) | 7.0273% | 711 |
| Cash dividends to net income (ytd only)* | 45.7516% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2022% | 1,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 28.7322% | 6,615 |
| Net loans and leases to deposits | 31.6414% | 6,660 |
| Net loans and leases to core deposits | 38.5765% | 6,521 |
| Total domestic deposits to total assets | 90.8056% | 619 |
| Equity capital to assets | 8.9897% | 5,233 |
| Core capital (leverage) ratio | 8.1038% | 6,103 |
| Tier 1 risk-based capital ratio | 20.0205% | 1,713 |
| Total risk-based capital ratio | 21.2752% | 1,680 |
| Memoranda: | ||
| Average total assets | $411,448,000 | 1,615 |
| Average earning assets | $400,424,330 | 1,520 |
| Average equity | $37,941,000 | 1,851 |
| Average total loans | $121,515,000 | 3,038 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2835% | 6,183 |
| Cost of funding earning assets | 0.5038% | 4,047 |
| Net interest margin | 2.7798% | 6,071 |
| Noninterest income to average assets | 0.4932% | 3,818 |
| Noninterest expense to average assets | 1.6114% | 6,663 |
| Loan and lease loss provision to assets | 0.0443% | 3,864 |
| Net operating income to assets | 1.5425% | 782 |
| Return on assets (ROA) | 1.5425% | 858 |
| Pretax return on assets | 1.5425% | 1,447 |
| Return on Equity (ROE) | 16.5123% | 550 |
| Retained earnings to average equity (ytd only) | 8.6092% | 1,518 |
| Net charge-offs to loans | -0.0133% | 5,547 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3847% | 6,481 |
| Assets per employee ($millions) | 6.7389% | 874 |
| Cash dividends to net income (ytd only)* | 47.8622% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2645% | 1,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 28.8095% | 6,643 |
| Net loans and leases to deposits | 31.8961% | 6,691 |
| Net loans and leases to core deposits | 38.6149% | 6,543 |
| Total domestic deposits to total assets | 90.3231% | 869 |
| Equity capital to assets | 9.4902% | 4,862 |
| Core capital (leverage) ratio | 8.2202% | 5,915 |
| Tier 1 risk-based capital ratio | 20.4455% | 1,665 |
| Total risk-based capital ratio | 21.7007% | 1,636 |
| Memoranda: | ||
| Average total assets | $406,352,500 | 1,650 |
| Average earning assets | $395,429,500 | 1,552 |
| Average equity | $37,959,500 | 1,867 |
| Average total loans | $120,335,500 | 3,082 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4356% | 6,440 |
| Cost of funding earning assets | 0.5883% | 4,461 |
| Net interest margin | 2.8473% | 6,317 |
| Noninterest income to average assets | 0.5303% | 3,709 |
| Noninterest expense to average assets | 1.5955% | 6,812 |
| Loan and lease loss provision to assets | 0.0409% | 5,351 |
| Net operating income to assets | 1.6609% | 671 |
| Return on assets (ROA) | 1.6687% | 737 |
| Pretax return on assets | 1.6687% | 1,217 |
| Return on Equity (ROE) | 17.9725% | 449 |
| Retained earnings to average equity (ytd only) | 7.4582% | 1,355 |
| Net charge-offs to loans | 0.0454% | 5,275 |
| Credit loss provision to net charge-offs | 275.4386% | 871 |
| Earnings coverage of net charge-offs (x) | 114.6842% | 335 |
| Efficiency ratio | 48.3894% | 6,688 |
| Assets per employee ($millions) | 7.1644% | 721 |
| Cash dividends to net income (ytd only)* | 58.5023% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1813% | 1,581 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 29.0999% | 6,728 |
| Net loans and leases to deposits | 32.1073% | 6,785 |
| Net loans and leases to core deposits | 38.7262% | 6,650 |
| Total domestic deposits to total assets | 90.6333% | 647 |
| Equity capital to assets | 9.1943% | 5,276 |
| Core capital (leverage) ratio | 7.9960% | 6,196 |
| Tier 1 risk-based capital ratio | 19.5005% | 1,814 |
| Total risk-based capital ratio | 20.7547% | 1,779 |
| Memoranda: | ||
| Average total assets | $384,134,600 | 1,698 |
| Average earning assets | $373,299,600 | 1,601 |
| Average equity | $35,665,600 | 1,941 |
| Average total loans | $125,670,600 | 2,968 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4522% | 6,559 |
| Cost of funding earning assets | 0.6074% | 4,572 |
| Net interest margin | 2.8448% | 6,445 |
| Noninterest income to average assets | 0.5332% | 3,724 |
| Noninterest expense to average assets | 1.5824% | 6,891 |
| Loan and lease loss provision to assets | 0.0476% | 5,176 |
| Net operating income to assets | 1.6663% | 740 |
| Return on assets (ROA) | 1.6663% | 820 |
| Pretax return on assets | 1.6663% | 1,372 |
| Return on Equity (ROE) | 17.8997% | 512 |
| Retained earnings to average equity (ytd only) | 7.4819% | 1,859 |
| Net charge-offs to loans | 0.0400% | 5,089 |
| Credit loss provision to net charge-offs | 355.2632% | 757 |
| Earnings coverage of net charge-offs (x) | 127.8832% | 343 |
| Efficiency ratio | 48.0047% | 6,716 |
| Assets per employee ($millions) | 6.8970% | 782 |
| Cash dividends to net income (ytd only)* | 58.2012% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0981% | 1,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 31.9793% | 6,745 |
| Net loans and leases to deposits | 35.5035% | 6,827 |
| Net loans and leases to core deposits | 42.0297% | 6,668 |
| Total domestic deposits to total assets | 90.0736% | 806 |
| Equity capital to assets | 9.7361% | 4,880 |
| Core capital (leverage) ratio | 8.2758% | 6,054 |
| Tier 1 risk-based capital ratio | 18.7764% | 2,081 |
| Total risk-based capital ratio | 20.0305% | 2,047 |
| Memoranda: | ||
| Average total assets | $378,075,000 | 1,743 |
| Average earning assets | $367,215,500 | 1,645 |
| Average equity | $35,195,250 | 1,982 |
| Average total loans | $126,716,750 | 2,976 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4319% | 6,699 |
| Cost of funding earning assets | 0.6262% | 4,664 |
| Net interest margin | 2.8058% | 6,567 |
| Noninterest income to average assets | 0.5296% | 3,728 |
| Noninterest expense to average assets | 1.5596% | 6,966 |
| Loan and lease loss provision to assets | 0.0480% | 5,077 |
| Net operating income to assets | 1.6486% | 758 |
| Return on assets (ROA) | 1.6486% | 845 |
| Pretax return on assets | 1.6486% | 1,406 |
| Return on Equity (ROE) | 17.9924% | 511 |
| Retained earnings to average equity (ytd only) | 7.5249% | 1,853 |
| Net charge-offs to loans | 0.0189% | 5,146 |
| Credit loss provision to net charge-offs | 750.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 265.3333% | 162 |
| Efficiency ratio | 47.8972% | 6,782 |
| Assets per employee ($millions) | 6.7152% | 846 |
| Cash dividends to net income (ytd only)* | 58.1771% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0362% | 2,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 33.6229% | 6,746 |
| Net loans and leases to deposits | 37.2403% | 6,833 |
| Net loans and leases to core deposits | 44.0969% | 6,660 |
| Total domestic deposits to total assets | 90.2864% | 773 |
| Equity capital to assets | 9.5394% | 5,006 |
| Core capital (leverage) ratio | 8.1742% | 6,075 |
| Tier 1 risk-based capital ratio | 18.3073% | 2,194 |
| Total risk-based capital ratio | 19.5613% | 2,160 |
| Memoranda: | ||
| Average total assets | $375,356,330 | 1,756 |
| Average earning assets | $364,749,670 | 1,656 |
| Average equity | $34,392,330 | 2,012 |
| Average total loans | $126,902,000 | 2,984 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4108% | 6,796 |
| Cost of funding earning assets | 0.6517% | 4,718 |
| Net interest margin | 2.7592% | 6,700 |
| Noninterest income to average assets | 0.5344% | 3,669 |
| Noninterest expense to average assets | 1.5338% | 7,031 |
| Loan and lease loss provision to assets | 0.0480% | 4,806 |
| Net operating income to assets | 1.6352% | 816 |
| Return on assets (ROA) | 1.6352% | 911 |
| Pretax return on assets | 1.6352% | 1,467 |
| Return on Equity (ROE) | 18.2218% | 523 |
| Retained earnings to average equity (ytd only) | 7.5241% | 2,166 |
| Net charge-offs to loans | -0.0254% | 6,269 |
| Credit loss provision to net charge-offs | -562.5000% | 5,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6790% | 6,828 |
| Assets per employee ($millions) | 6.7086% | 876 |
| Cash dividends to net income (ytd only)* | 58.7084% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0725% | 2,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 32.7393% | 6,791 |
| Net loans and leases to deposits | 36.1170% | 6,885 |
| Net loans and leases to core deposits | 43.5627% | 6,674 |
| Total domestic deposits to total assets | 90.6479% | 715 |
| Equity capital to assets | 9.1783% | 5,265 |
| Core capital (leverage) ratio | 8.0996% | 6,159 |
| Tier 1 risk-based capital ratio | 18.3390% | 2,190 |
| Total risk-based capital ratio | 19.5929% | 2,161 |
| Memoranda: | ||
| Average total assets | $375,009,500 | 1,770 |
| Average earning assets | $364,602,500 | 1,665 |
| Average equity | $33,652,000 | 2,059 |
| Average total loans | $125,819,500 | 3,029 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 6,796 |
| Cost of funding earning assets | 0.8412% | 4,536 |
| Net interest margin | 2.8989% | 6,691 |
| Noninterest income to average assets | 0.5894% | 3,225 |
| Noninterest expense to average assets | 1.6268% | 7,102 |
| Loan and lease loss provision to assets | 0.0482% | 5,980 |
| Net operating income to assets | 1.7227% | 532 |
| Return on assets (ROA) | 1.7230% | 572 |
| Pretax return on assets | 1.7230% | 945 |
| Return on Equity (ROE) | 18.4226% | 353 |
| Retained earnings to average equity (ytd only) | 5.6776% | 2,188 |
| Net charge-offs to loans | 0.0882% | 5,450 |
| Credit loss provision to net charge-offs | 145.0450% | 1,987 |
| Earnings coverage of net charge-offs (x) | 53.2703% | 525 |
| Efficiency ratio | 47.8801% | 6,955 |
| Assets per employee ($millions) | 6.6846% | 864 |
| Cash dividends to net income (ytd only)* | 69.1813% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 2,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 32.9891% | 6,915 |
| Net loans and leases to deposits | 36.2273% | 6,990 |
| Net loans and leases to core deposits | 43.8169% | 6,819 |
| Total domestic deposits to total assets | 91.0613% | 484 |
| Equity capital to assets | 8.7683% | 5,834 |
| Core capital (leverage) ratio | 8.1265% | 6,105 |
| Tier 1 risk-based capital ratio | 18.2692% | 2,117 |
| Total risk-based capital ratio | 19.5235% | 2,081 |
| Memoranda: | ||
| Average total assets | $333,897,000 | 1,937 |
| Average earning assets | $323,471,000 | 1,828 |
| Average equity | $31,228,000 | 2,119 |
| Average total loans | $125,907,600 | 3,062 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8200% | 6,822 |
| Cost of funding earning assets | 0.8928% | 4,449 |
| Net interest margin | 2.9272% | 6,713 |
| Noninterest income to average assets | 0.5934% | 3,214 |
| Noninterest expense to average assets | 1.6760% | 7,116 |
| Loan and lease loss provision to assets | 0.0432% | 5,898 |
| Net operating income to assets | 1.7068% | 617 |
| Return on assets (ROA) | 1.7068% | 674 |
| Pretax return on assets | 1.7068% | 1,131 |
| Return on Equity (ROE) | 17.9263% | 465 |
| Retained earnings to average equity (ytd only) | 5.6006% | 2,790 |
| Net charge-offs to loans | 0.0212% | 5,858 |
| Credit loss provision to net charge-offs | 525.0000% | 526 |
| Earnings coverage of net charge-offs (x) | 212.4683% | 184 |
| Efficiency ratio | 48.9183% | 6,893 |
| Assets per employee ($millions) | 5.9868% | 1,213 |
| Cash dividends to net income (ytd only)* | 68.7576% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0588% | 2,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 36.6801% | 6,835 |
| Net loans and leases to deposits | 40.6559% | 6,958 |
| Net loans and leases to core deposits | 46.7925% | 6,807 |
| Total domestic deposits to total assets | 90.2210% | 759 |
| Equity capital to assets | 9.5661% | 4,984 |
| Core capital (leverage) ratio | 8.6674% | 5,461 |
| Tier 1 risk-based capital ratio | 18.4346% | 2,106 |
| Total risk-based capital ratio | 19.6893% | 2,074 |
| Memoranda: | ||
| Average total assets | $323,786,500 | 1,995 |
| Average earning assets | $313,327,750 | 1,887 |
| Average equity | $30,829,250 | 2,146 |
| Average total loans | $125,874,250 | 3,081 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8433% | 6,874 |
| Cost of funding earning assets | 0.9423% | 4,378 |
| Net interest margin | 2.9010% | 6,787 |
| Noninterest income to average assets | 0.5801% | 3,265 |
| Noninterest expense to average assets | 1.6683% | 7,209 |
| Loan and lease loss provision to assets | 0.0375% | 5,843 |
| Net operating income to assets | 1.6821% | 622 |
| Return on assets (ROA) | 1.6821% | 668 |
| Pretax return on assets | 1.6821% | 1,091 |
| Return on Equity (ROE) | 17.6950% | 489 |
| Retained earnings to average equity (ytd only) | 5.2013% | 2,872 |
| Net charge-offs to loans | -0.0064% | 6,619 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2435% | 6,989 |
| Assets per employee ($millions) | 5.8252% | 1,287 |
| Cash dividends to net income (ytd only)* | 70.6057% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0610% | 2,206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 37.3504% | 6,893 |
| Net loans and leases to deposits | 41.3853% | 7,019 |
| Net loans and leases to core deposits | 48.2480% | 6,844 |
| Total domestic deposits to total assets | 90.2505% | 837 |
| Equity capital to assets | 9.5318% | 4,764 |
| Core capital (leverage) ratio | 8.7633% | 5,105 |
| Tier 1 risk-based capital ratio | 18.4952% | 2,015 |
| Total risk-based capital ratio | 19.7504% | 1,963 |
| Memoranda: | ||
| Average total assets | $319,962,670 | 2,024 |
| Average earning assets | $309,681,670 | 1,916 |
| Average equity | $30,415,330 | 2,158 |
| Average total loans | $125,979,670 | 3,105 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 7,000 |
| Cost of funding earning assets | 0.9920% | 4,256 |
| Net interest margin | 2.7672% | 6,953 |
| Noninterest income to average assets | 0.5757% | 3,333 |
| Noninterest expense to average assets | 1.6690% | 7,252 |
| Loan and lease loss provision to assets | 0.0189% | 5,708 |
| Net operating income to assets | 1.5642% | 752 |
| Return on assets (ROA) | 1.5642% | 790 |
| Pretax return on assets | 1.5642% | 1,267 |
| Return on Equity (ROE) | 16.4783% | 627 |
| Retained earnings to average equity (ytd only) | 3.8436% | 3,869 |
| Net charge-offs to loans | 0.0032% | 5,088 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 1,254.0000% | 8 |
| Efficiency ratio | 51.3199% | 6,899 |
| Assets per employee ($millions) | 5.7566% | 1,373 |
| Cash dividends to net income (ytd only)* | 76.6747% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9510% | 2,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 39.1930% | 6,838 |
| Net loans and leases to deposits | 43.3669% | 6,970 |
| Net loans and leases to core deposits | 50.3798% | 6,757 |
| Total domestic deposits to total assets | 90.3753% | 916 |
| Equity capital to assets | 9.4212% | 4,537 |
| Core capital (leverage) ratio | 8.8072% | 4,918 |
| Tier 1 risk-based capital ratio | 18.1295% | 2,078 |
| Total risk-based capital ratio | 19.3839% | 2,041 |
| Memoranda: | ||
| Average total assets | $316,837,500 | 2,058 |
| Average earning assets | $306,451,500 | 1,945 |
| Average equity | $30,076,000 | 2,169 |
| Average total loans | $126,766,500 | 3,122 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 6,888 |
| Cost of funding earning assets | 1.1451% | 4,881 |
| Net interest margin | 3.0834% | 6,562 |
| Noninterest income to average assets | 0.7199% | 2,713 |
| Noninterest expense to average assets | 1.8165% | 7,247 |
| Loan and lease loss provision to assets | 0.1668% | 5,549 |
| Net operating income to assets | 1.6971% | 521 |
| Return on assets (ROA) | 1.7168% | 540 |
| Pretax return on assets | 1.7168% | 910 |
| Return on Equity (ROE) | 18.0329% | 379 |
| Retained earnings to average equity (ytd only) | 5.8241% | 1,925 |
| Net charge-offs to loans | 0.1015% | 5,846 |
| Credit loss provision to net charge-offs | 380.0000% | 658 |
| Earnings coverage of net charge-offs (x) | 42.4640% | 549 |
| Efficiency ratio | 49.3560% | 7,182 |
| Assets per employee ($millions) | 5.5590% | 1,528 |
| Cash dividends to net income (ytd only)* | 67.7030% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0052% | 2,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 39.2453% | 7,012 |
| Net loans and leases to deposits | 43.4999% | 7,137 |
| Net loans and leases to core deposits | 50.7041% | 6,954 |
| Total domestic deposits to total assets | 90.2193% | 974 |
| Equity capital to assets | 9.5665% | 4,314 |
| Core capital (leverage) ratio | 9.1753% | 4,219 |
| Tier 1 risk-based capital ratio | 18.6531% | 1,800 |
| Total risk-based capital ratio | 19.9086% | 1,770 |
| Memoranda: | ||
| Average total assets | $284,781,000 | 2,246 |
| Average earning assets | $273,435,400 | 2,160 |
| Average equity | $27,111,600 | 2,370 |
| Average total loans | $123,106,800 | 3,252 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 7,009 |
| Cost of funding earning assets | 1.1673% | 5,046 |
| Net interest margin | 3.0999% | 6,612 |
| Noninterest income to average assets | 0.8355% | 2,052 |
| Noninterest expense to average assets | 1.8354% | 7,293 |
| Loan and lease loss provision to assets | 0.2191% | 4,874 |
| Net operating income to assets | 1.7520% | 564 |
| Return on assets (ROA) | 1.7894% | 568 |
| Pretax return on assets | 1.7894% | 944 |
| Return on Equity (ROE) | 18.8215% | 401 |
| Retained earnings to average equity (ytd only) | 6.9730% | 1,861 |
| Net charge-offs to loans | 0.1163% | 5,379 |
| Credit loss provision to net charge-offs | 427.1028% | 708 |
| Earnings coverage of net charge-offs (x) | 38.4307% | 708 |
| Efficiency ratio | 48.2181% | 7,261 |
| Assets per employee ($millions) | 5.1406% | 2,009 |
| Cash dividends to net income (ytd only)* | 62.9521% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0388% | 2,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 41.7269% | 6,993 |
| Net loans and leases to deposits | 46.6794% | 7,144 |
| Net loans and leases to core deposits | 53.7344% | 6,969 |
| Total domestic deposits to total assets | 89.3904% | 1,180 |
| Equity capital to assets | 10.3497% | 3,699 |
| Core capital (leverage) ratio | 9.7471% | 3,558 |
| Tier 1 risk-based capital ratio | 19.3562% | 1,674 |
| Total risk-based capital ratio | 20.6122% | 1,640 |
| Memoranda: | ||
| Average total assets | $278,149,750 | 2,331 |
| Average earning assets | $266,581,500 | 2,242 |
| Average equity | $26,444,250 | 2,461 |
| Average total loans | $122,715,250 | 3,316 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 7,113 |
| Cost of funding earning assets | 1.1760% | 5,262 |
| Net interest margin | 3.0774% | 6,661 |
| Noninterest income to average assets | 0.6482% | 3,024 |
| Noninterest expense to average assets | 1.7875% | 7,403 |
| Loan and lease loss provision to assets | 0.2183% | 4,707 |
| Net operating income to assets | 1.5896% | 738 |
| Return on assets (ROA) | 1.6384% | 713 |
| Pretax return on assets | 1.6384% | 1,192 |
| Return on Equity (ROE) | 17.7829% | 485 |
| Retained earnings to average equity (ytd only) | 5.9382% | 2,364 |
| Net charge-offs to loans | 0.1695% | 4,602 |
| Credit loss provision to net charge-offs | 288.4615% | 1,290 |
| Earnings coverage of net charge-offs (x) | 23.8942% | 1,094 |
| Efficiency ratio | 49.7167% | 7,245 |
| Assets per employee ($millions) | 5.0297% | 2,146 |
| Cash dividends to net income (ytd only)* | 66.6075% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 2,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 43.7766% | 6,938 |
| Net loans and leases to deposits | 48.4809% | 7,140 |
| Net loans and leases to core deposits | 55.5389% | 6,965 |
| Total domestic deposits to total assets | 90.2966% | 770 |
| Equity capital to assets | 9.4268% | 4,824 |
| Core capital (leverage) ratio | 8.7565% | 4,996 |
| Tier 1 risk-based capital ratio | 17.0505% | 2,265 |
| Total risk-based capital ratio | 18.3056% | 2,214 |
| Memoranda: | ||
| Average total assets | $274,909,000 | 2,371 |
| Average earning assets | $263,275,000 | 2,276 |
| Average equity | $25,327,670 | 2,557 |
| Average total loans | $122,747,000 | 3,348 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 7,147 |
| Cost of funding earning assets | 1.1992% | 5,409 |
| Net interest margin | 3.0927% | 6,609 |
| Noninterest income to average assets | 0.6688% | 2,819 |
| Noninterest expense to average assets | 1.7957% | 7,468 |
| Loan and lease loss provision to assets | 0.2210% | 4,290 |
| Net operating income to assets | 1.6116% | 732 |
| Return on assets (ROA) | 1.6131% | 780 |
| Pretax return on assets | 1.6131% | 1,233 |
| Return on Equity (ROE) | 17.7217% | 540 |
| Retained earnings to average equity (ytd only) | 7.2020% | 2,044 |
| Net charge-offs to loans | -0.0132% | 6,959 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4925% | 7,346 |
| Assets per employee ($millions) | 4.8130% | 2,493 |
| Cash dividends to net income (ytd only)* | 59.3607% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 2,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 44.3680% | 6,966 |
| Net loans and leases to deposits | 49.1317% | 7,176 |
| Net loans and leases to core deposits | 55.6867% | 7,007 |
| Total domestic deposits to total assets | 90.3042% | 830 |
| Equity capital to assets | 9.3975% | 4,676 |
| Core capital (leverage) ratio | 8.9479% | 4,650 |
| Tier 1 risk-based capital ratio | 17.4922% | 2,079 |
| Total risk-based capital ratio | 18.7477% | 2,048 |
| Memoranda: | ||
| Average total assets | $271,531,500 | 2,459 |
| Average earning assets | $259,841,500 | 2,353 |
| Average equity | $24,715,500 | 2,639 |
| Average total loans | $121,296,000 | 3,441 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 7,028 |
| Cost of funding earning assets | 1.4218% | 5,837 |
| Net interest margin | 3.3378% | 5,594 |
| Noninterest income to average assets | 0.7895% | 2,457 |
| Noninterest expense to average assets | 2.0986% | 7,191 |
| Loan and lease loss provision to assets | 0.1714% | 5,976 |
| Net operating income to assets | 1.7183% | 423 |
| Return on assets (ROA) | 1.9492% | 265 |
| Pretax return on assets | 1.9492% | 450 |
| Return on Equity (ROE) | 22.3026% | 153 |
| Retained earnings to average equity (ytd only) | 8.6347% | 562 |
| Net charge-offs to loans | 0.0858% | 6,261 |
| Credit loss provision to net charge-offs | 443.1373% | 699 |
| Earnings coverage of net charge-offs (x) | 48.8529% | 528 |
| Efficiency ratio | 52.6196% | 7,341 |
| Assets per employee ($millions) | 4.7161% | 2,591 |
| Cash dividends to net income (ytd only)* | 61.2840% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 2,608 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 43.3414% | 7,157 |
| Net loans and leases to deposits | 47.6798% | 7,369 |
| Net loans and leases to core deposits | 64.2909% | 7,074 |
| Total domestic deposits to total assets | 90.9009% | 571 |
| Equity capital to assets | 8.8114% | 5,418 |
| Core capital (leverage) ratio | 8.8199% | 4,738 |
| Tier 1 risk-based capital ratio | 17.3001% | 2,081 |
| Total risk-based capital ratio | 18.5542% | 2,041 |
| Memoranda: | ||
| Average total assets | $263,697,800 | 2,481 |
| Average earning assets | $252,714,400 | 2,384 |
| Average equity | $23,046,600 | 2,821 |
| Average total loans | $118,917,800 | 3,502 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8952% | 6,900 |
| Cost of funding earning assets | 1.4734% | 5,942 |
| Net interest margin | 3.4218% | 5,176 |
| Noninterest income to average assets | 0.8151% | 2,358 |
| Noninterest expense to average assets | 2.1502% | 7,098 |
| Loan and lease loss provision to assets | 0.1608% | 5,741 |
| Net operating income to assets | 1.7838% | 463 |
| Return on assets (ROA) | 2.0936% | 263 |
| Pretax return on assets | 2.0936% | 449 |
| Return on Equity (ROE) | 24.0059% | 130 |
| Retained earnings to average equity (ytd only) | 12.5940% | 295 |
| Net charge-offs to loans | 0.1114% | 5,565 |
| Credit loss provision to net charge-offs | 318.1818% | 1,294 |
| Earnings coverage of net charge-offs (x) | 38.4839% | 772 |
| Efficiency ratio | 52.5115% | 7,374 |
| Assets per employee ($millions) | 4.3231% | 3,162 |
| Cash dividends to net income (ytd only)* | 47.5378% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6480% | 2,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 46.3838% | 7,078 |
| Net loans and leases to deposits | 51.2424% | 7,349 |
| Net loans and leases to core deposits | 68.1477% | 7,065 |
| Total domestic deposits to total assets | 90.5185% | 586 |
| Equity capital to assets | 9.1523% | 5,253 |
| Core capital (leverage) ratio | 9.3947% | 4,059 |
| Tier 1 risk-based capital ratio | 17.8718% | 2,023 |
| Total risk-based capital ratio | 19.1247% | 1,975 |
| Memoranda: | ||
| Average total assets | $261,239,000 | 2,519 |
| Average earning assets | $250,388,500 | 2,423 |
| Average equity | $22,782,750 | 2,879 |
| Average total loans | $118,471,500 | 3,547 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 6,616 |
| Cost of funding earning assets | 1.5382% | 5,985 |
| Net interest margin | 3.5127% | 4,747 |
| Noninterest income to average assets | 0.7890% | 2,469 |
| Noninterest expense to average assets | 2.1516% | 7,167 |
| Loan and lease loss provision to assets | 0.1604% | 5,458 |
| Net operating income to assets | 1.8468% | 416 |
| Return on assets (ROA) | 2.0064% | 316 |
| Pretax return on assets | 2.0064% | 557 |
| Return on Equity (ROE) | 23.3889% | 180 |
| Retained earnings to average equity (ytd only) | 13.1501% | 312 |
| Net charge-offs to loans | 0.1143% | 5,014 |
| Credit loss provision to net charge-offs | 313.4328% | 1,485 |
| Earnings coverage of net charge-offs (x) | 39.2239% | 825 |
| Efficiency ratio | 51.7355% | 7,534 |
| Assets per employee ($millions) | 4.1153% | 3,455 |
| Cash dividends to net income (ytd only)* | 43.7762% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 2,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 46.1943% | 7,182 |
| Net loans and leases to deposits | 51.0931% | 7,428 |
| Net loans and leases to core deposits | 66.1739% | 7,206 |
| Total domestic deposits to total assets | 90.4122% | 665 |
| Equity capital to assets | 9.1759% | 5,055 |
| Core capital (leverage) ratio | 9.0821% | 4,494 |
| Tier 1 risk-based capital ratio | 17.4607% | 2,164 |
| Total risk-based capital ratio | 18.7137% | 2,119 |
| Memoranda: | ||
| Average total assets | $261,856,000 | 2,521 |
| Average earning assets | $251,206,330 | 2,431 |
| Average equity | $22,463,670 | 2,921 |
| Average total loans | $117,185,330 | 3,599 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2736% | 6,013 |
| Cost of funding earning assets | 1.5877% | 6,080 |
| Net interest margin | 3.6859% | 3,961 |
| Noninterest income to average assets | 0.5656% | 3,787 |
| Noninterest expense to average assets | 2.0316% | 7,275 |
| Loan and lease loss provision to assets | 0.1584% | 4,905 |
| Net operating income to assets | 1.9155% | 412 |
| Return on assets (ROA) | 1.9969% | 403 |
| Pretax return on assets | 1.9969% | 670 |
| Return on Equity (ROE) | 24.0842% | 214 |
| Retained earnings to average equity (ytd only) | 14.5342% | 467 |
| Net charge-offs to loans | -0.0483% | 7,686 |
| Credit loss provision to net charge-offs | -750.0000% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4857% | 7,626 |
| Assets per employee ($millions) | 3.9565% | 3,759 |
| Cash dividends to net income (ytd only)* | 39.6526% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 2,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.1012% | 7,330 |
| Net loans and leases to deposits | 48.3923% | 7,562 |
| Net loans and leases to core deposits | 62.8622% | 7,360 |
| Total domestic deposits to total assets | 91.1327% | 372 |
| Equity capital to assets | 8.5663% | 5,965 |
| Core capital (leverage) ratio | 8.5065% | 5,519 |
| Tier 1 risk-based capital ratio | 16.7415% | 2,427 |
| Total risk-based capital ratio | 17.9939% | 2,357 |
| Memoranda: | ||
| Average total assets | $265,211,000 | 2,505 |
| Average earning assets | $254,702,500 | 2,406 |
| Average equity | $21,989,500 | 2,976 |
| Average total loans | $115,875,000 | 3,658 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1590% | 4,734 |
| Cost of funding earning assets | 2.2714% | 5,282 |
| Net interest margin | 3.8876% | 3,627 |
| Noninterest income to average assets | 0.6237% | 3,686 |
| Noninterest expense to average assets | 2.1377% | 7,143 |
| Loan and lease loss provision to assets | 0.1313% | 5,686 |
| Net operating income to assets | 2.0531% | 316 |
| Return on assets (ROA) | 2.2584% | 207 |
| Pretax return on assets | 2.2584% | 347 |
| Return on Equity (ROE) | 26.8613% | 100 |
| Retained earnings to average equity (ytd only) | 9.9765% | 452 |
| Net charge-offs to loans | 0.0999% | 5,315 |
| Credit loss provision to net charge-offs | 292.9825% | 1,549 |
| Earnings coverage of net charge-offs (x) | 48.7281% | 774 |
| Efficiency ratio | 49.4586% | 7,693 |
| Assets per employee ($millions) | 3.9602% | 3,601 |
| Cash dividends to net income (ytd only)* | 62.8591% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 2,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 41.8809% | 7,596 |
| Net loans and leases to deposits | 45.6517% | 7,794 |
| Net loans and leases to core deposits | 58.8823% | 7,634 |
| Total domestic deposits to total assets | 91.7399% | 170 |
| Equity capital to assets | 8.0166% | 6,824 |
| Core capital (leverage) ratio | 8.0531% | 6,403 |
| Tier 1 risk-based capital ratio | 18.2742% | 1,967 |
| Total risk-based capital ratio | 19.5275% | 1,917 |
| Memoranda: | ||
| Average total assets | $254,296,000 | 2,522 |
| Average earning assets | $241,921,800 | 2,437 |
| Average equity | $21,380,200 | 3,056 |
| Average total loans | $114,143,400 | 3,585 |