Home > The Genoa Banking Company > Performance and Condition Ratios
The Genoa Banking Company, 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 | 4.6973% | 2,688 |
| Cost of funding earning assets | 1.6144% | 1,654 |
| Net interest margin | 3.0829% | 3,131 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.6828% | 1,785 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4365% | 3,796 |
| Return on assets (ROA) | 0.4365% | 3,796 |
| Pretax return on assets | 0.5489% | 3,723 |
| Return on Equity (ROE) | 6.2900% | 3,463 |
| Retained earnings to average equity (ytd only) | 5.3100% | 2,483 |
| Net charge-offs to loans | 0.0052% | 2,524 |
| Credit loss provision to net charge-offs | 608.6957% | 582 |
| Earnings coverage of net charge-offs (x) | 142.2609% | 735 |
| Efficiency ratio | 82.2222% | 764 |
| Assets per employee ($millions) | 5.1294% | 3,542 |
| Cash dividends to net income (ytd only)* | 15.6377% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,468 |
| Loan loss allowance to noncurrent loans | 3,803.3898% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 3,607 |
| Noncurrent loans to loans | 0.0254% | 3,565 |
| Net loans and leases to total assets | 76.6200% | 1,028 |
| Net loans and leases to deposits | 87.5877% | 1,475 |
| Net loans and leases to core deposits | 104.7644% | 1,177 |
| Total domestic deposits to total assets | 87.4800% | 1,527 |
| Equity capital to assets | 6.8451% | 3,997 |
| Core capital (leverage) ratio | 7.7633% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0235% | 2,575 |
| Memoranda: | ||
| Average total assets | $564,076,200 | 1,571 |
| Average earning assets | $526,574,000 | 1,558 |
| Average equity | $39,114,600 | 1,912 |
| Average total loans | $438,719,400 | 1,372 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 2,686 |
| Cost of funding earning assets | 1.4942% | 1,624 |
| Net interest margin | 3.1022% | 3,139 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.6887% | 1,699 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.4468% | 3,879 |
| Return on assets (ROA) | 0.4468% | 3,875 |
| Pretax return on assets | 0.5621% | 3,804 |
| Return on Equity (ROE) | 6.4200% | 3,561 |
| Retained earnings to average equity (ytd only) | 5.9859% | 2,639 |
| Net charge-offs to loans | 0.0019% | 2,515 |
| Credit loss provision to net charge-offs | 2,600.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 415.6667% | 354 |
| Efficiency ratio | 81.7717% | 743 |
| Assets per employee ($millions) | 5.0707% | 3,558 |
| Cash dividends to net income (ytd only)* | 6.7240% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 3,037 |
| Loan loss allowance to noncurrent loans | 3,996.6942% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 3,614 |
| Noncurrent loans to loans | 0.0267% | 3,580 |
| Net loans and leases to total assets | 78.2900% | 850 |
| Net loans and leases to deposits | 89.6452% | 1,258 |
| Net loans and leases to core deposits | 103.6863% | 1,135 |
| Total domestic deposits to total assets | 87.3400% | 1,784 |
| Equity capital to assets | 6.8148% | 3,701 |
| Core capital (leverage) ratio | 7.9563% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2230% | 2,541 |
| Memoranda: | ||
| Average total assets | $554,803,750 | 1,595 |
| Average earning assets | $517,898,750 | 1,579 |
| Average equity | $38,623,250 | 1,913 |
| Average total loans | $432,323,250 | 1,383 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4475% | 2,780 |
| Cost of funding earning assets | 1.3672% | 1,536 |
| Net interest margin | 3.0803% | 3,266 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.6796% | 1,688 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.4468% | 3,918 |
| Return on assets (ROA) | 0.4468% | 3,925 |
| Pretax return on assets | 0.5620% | 3,866 |
| Return on Equity (ROE) | 6.3700% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.0340% | 2,608 |
| Net charge-offs to loans | -0.0005% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.6617% | 732 |
| Assets per employee ($millions) | 4.9157% | 3,660 |
| Cash dividends to net income (ytd only)* | 5.3018% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 3,056 |
| Loan loss allowance to noncurrent loans | 3,806.3492% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,592 |
| Noncurrent loans to loans | 0.0283% | 3,555 |
| Net loans and leases to total assets | 77.9300% | 842 |
| Net loans and leases to deposits | 91.1761% | 1,089 |
| Net loans and leases to core deposits | 103.9288% | 1,059 |
| Total domestic deposits to total assets | 85.4700% | 2,401 |
| Equity capital to assets | 6.8530% | 3,871 |
| Core capital (leverage) ratio | 8.1354% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2701% | 2,543 |
| Memoranda: | ||
| Average total assets | $548,742,333 | 1,610 |
| Average earning assets | $511,704,000 | 1,592 |
| Average equity | $38,481,667 | 1,923 |
| Average total loans | $425,283,000 | 1,388 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 2,727 |
| Cost of funding earning assets | 1.2391% | 1,363 |
| Net interest margin | 3.0910% | 3,372 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.7421% | 1,566 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.4004% | 4,088 |
| Return on assets (ROA) | 0.4004% | 4,038 |
| Pretax return on assets | 0.5018% | 3,987 |
| Return on Equity (ROE) | 5.6400% | 3,783 |
| Retained earnings to average equity (ytd only) | 4.9645% | 3,024 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.6343% | 610 |
| Assets per employee ($millions) | 4.6780% | 3,909 |
| Cash dividends to net income (ytd only)* | 12.0148% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 2,908 |
| Loan loss allowance to noncurrent loans | 5,991.1392% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 3,703 |
| Noncurrent loans to loans | 0.0188% | 3,650 |
| Net loans and leases to total assets | 76.3800% | 939 |
| Net loans and leases to deposits | 86.6563% | 1,305 |
| Net loans and leases to core deposits | 97.6597% | 1,196 |
| Total domestic deposits to total assets | 88.1400% | 1,882 |
| Equity capital to assets | 7.1777% | 3,745 |
| Core capital (leverage) ratio | 8.2076% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8301% | 2,456 |
| Memoranda: | ||
| Average total assets | $540,462,000 | 1,653 |
| Average earning assets | $503,268,000 | 1,641 |
| Average equity | $38,352,500 | 1,950 |
| Average total loans | $415,251,500 | 1,432 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9490% | 1,861 |
| Cost of funding earning assets | 0.4377% | 1,808 |
| Net interest margin | 3.5114% | 1,897 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.9831% | 991 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 0.6134% | 3,851 |
| Return on assets (ROA) | 0.6134% | 3,800 |
| Pretax return on assets | 0.7693% | 3,697 |
| Return on Equity (ROE) | 8.3400% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.6726% | 1,967 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.8000% | 607 |
| Assets per employee ($millions) | 4.7635% | 3,845 |
| Cash dividends to net income (ytd only)* | 7.9787% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 3,337 |
| Loan loss allowance to noncurrent loans | 3,112.0301% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 3,587 |
| Noncurrent loans to loans | 0.0323% | 3,550 |
| Net loans and leases to total assets | 75.6400% | 1,037 |
| Net loans and leases to deposits | 89.9814% | 1,054 |
| Net loans and leases to core deposits | 97.8875% | 1,105 |
| Total domestic deposits to total assets | 84.0700% | 3,194 |
| Equity capital to assets | 7.0141% | 3,662 |
| Core capital (leverage) ratio | 8.3583% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9219% | 2,406 |
| Memoranda: | ||
| Average total assets | $521,006,000 | 1,676 |
| Average earning assets | $485,082,600 | 1,666 |
| Average equity | $38,331,400 | 1,980 |
| Average total loans | $378,334,600 | 1,463 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8724% | 1,548 |
| Cost of funding earning assets | 0.3629% | 1,585 |
| Net interest margin | 3.5096% | 1,640 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 3.0230% | 878 |
| Loan and lease loss provision to assets | -0.1500% | 4,632 |
| Net operating income to assets | 0.6415% | 3,718 |
| Return on assets (ROA) | 0.6415% | 3,674 |
| Pretax return on assets | 0.8046% | 3,565 |
| Return on Equity (ROE) | 8.6100% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.9564% | 2,015 |
| Net charge-offs to loans | 0.0004% | 2,336 |
| Credit loss provision to net charge-offs | -59,600.0000% | 4,763 |
| Earnings coverage of net charge-offs (x) | 2,522.0000% | 50 |
| Efficiency ratio | 82.2856% | 640 |
| Assets per employee ($millions) | 4.6287% | 3,956 |
| Cash dividends to net income (ytd only)* | 7.6428% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 3,304 |
| Loan loss allowance to noncurrent loans | 4,815.2941% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 3,800 |
| Noncurrent loans to loans | 0.0216% | 3,752 |
| Net loans and leases to total assets | 74.5400% | 1,054 |
| Net loans and leases to deposits | 85.7379% | 1,191 |
| Net loans and leases to core deposits | 92.6903% | 1,157 |
| Total domestic deposits to total assets | 86.9400% | 2,782 |
| Equity capital to assets | 7.0778% | 3,470 |
| Core capital (leverage) ratio | 8.4695% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2434% | 2,374 |
| Memoranda: | ||
| Average total assets | $516,689,250 | 1,694 |
| Average earning assets | $480,959,250 | 1,682 |
| Average equity | $38,475,500 | 2,003 |
| Average total loans | $370,092,000 | 1,479 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8377% | 1,223 |
| Cost of funding earning assets | 0.3418% | 1,349 |
| Net interest margin | 3.4959% | 1,322 |
| Noninterest income to average assets | 0.4124% | 2,675 |
| Noninterest expense to average assets | 2.9967% | 842 |
| Loan and lease loss provision to assets | -0.1170% | 4,617 |
| Net operating income to assets | 0.6215% | 3,565 |
| Return on assets (ROA) | 0.6215% | 3,515 |
| Pretax return on assets | 0.7805% | 3,373 |
| Return on Equity (ROE) | 8.2083% | 2,966 |
| Retained earnings to average equity (ytd only) | 7.5409% | 1,798 |
| Net charge-offs to loans | 0.0022% | 2,021 |
| Credit loss provision to net charge-offs | -7,525.0000% | 3,829 |
| Earnings coverage of net charge-offs (x) | 426.7500% | 294 |
| Efficiency ratio | 81.8732% | 811 |
| Assets per employee ($millions) | 4.4481% | 4,116 |
| Cash dividends to net income (ytd only)* | 8.1301% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 2,872 |
| Loan loss allowance to noncurrent loans | 4,982.9545% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 3,844 |
| Noncurrent loans to loans | 0.0234% | 3,786 |
| Net loans and leases to total assets | 72.1086% | 1,090 |
| Net loans and leases to deposits | 81.8714% | 1,253 |
| Net loans and leases to core deposits | 87.7444% | 1,237 |
| Total domestic deposits to total assets | 88.0755% | 2,544 |
| Equity capital to assets | 7.2615% | 3,621 |
| Core capital (leverage) ratio | 8.3142% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4040% | 2,342 |
| Memoranda: | ||
| Average total assets | $514,571,333 | 1,702 |
| Average earning assets | $478,045,333 | 1,704 |
| Average equity | $38,960,667 | 2,042 |
| Average total loans | $362,134,667 | 1,494 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 768 |
| Cost of funding earning assets | 0.3510% | 1,194 |
| Net interest margin | 3.6528% | 816 |
| Noninterest income to average assets | 0.4546% | 2,379 |
| Noninterest expense to average assets | 2.9572% | 872 |
| Loan and lease loss provision to assets | 0.0343% | 1,747 |
| Net operating income to assets | 0.6741% | 3,149 |
| Return on assets (ROA) | 0.6741% | 3,133 |
| Pretax return on assets | 0.8492% | 2,945 |
| Return on Equity (ROE) | 8.7239% | 2,424 |
| Retained earnings to average equity (ytd only) | 8.0691% | 1,563 |
| Net charge-offs to loans | -0.0011% | 3,025 |
| Credit loss provision to net charge-offs | -4,400.0000% | 3,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9964% | 1,408 |
| Assets per employee ($millions) | 4.4761% | 4,152 |
| Cash dividends to net income (ytd only)* | 7.5058% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 2,253 |
| Loan loss allowance to noncurrent loans | 3,913.2231% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 3,808 |
| Noncurrent loans to loans | 0.0338% | 3,741 |
| Net loans and leases to total assets | 69.3067% | 1,085 |
| Net loans and leases to deposits | 78.6455% | 1,237 |
| Net loans and leases to core deposits | 84.4619% | 1,220 |
| Total domestic deposits to total assets | 88.1254% | 2,471 |
| Equity capital to assets | 7.5546% | 3,897 |
| Core capital (leverage) ratio | 8.1980% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5764% | 2,387 |
| Memoranda: | ||
| Average total assets | $513,867,000 | 1,710 |
| Average earning assets | $476,348,000 | 1,712 |
| Average equity | $39,707,000 | 2,067 |
| Average total loans | $354,976,500 | 1,508 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 837 |
| Cost of funding earning assets | 0.4481% | 1,217 |
| Net interest margin | 3.8610% | 898 |
| Noninterest income to average assets | 0.8882% | 1,238 |
| Noninterest expense to average assets | 3.2095% | 715 |
| Loan and lease loss provision to assets | 0.0363% | 2,320 |
| Net operating income to assets | 0.9651% | 2,818 |
| Return on assets (ROA) | 0.9651% | 2,879 |
| Pretax return on assets | 1.2139% | 2,618 |
| Return on Equity (ROE) | 12.2589% | 1,728 |
| Retained earnings to average equity (ytd only) | 11.4492% | 625 |
| Net charge-offs to loans | -0.0028% | 3,427 |
| Credit loss provision to net charge-offs | -1,830.0000% | 4,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9671% | 1,516 |
| Assets per employee ($millions) | 4.5391% | 4,085 |
| Cash dividends to net income (ytd only)* | 6.6047% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 2,215 |
| Loan loss allowance to noncurrent loans | 3,752.0000% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 3,882 |
| Noncurrent loans to loans | 0.0356% | 3,823 |
| Net loans and leases to total assets | 67.0340% | 1,368 |
| Net loans and leases to deposits | 76.3876% | 1,535 |
| Net loans and leases to core deposits | 82.7348% | 1,404 |
| Total domestic deposits to total assets | 87.7550% | 2,173 |
| Equity capital to assets | 7.8972% | 4,419 |
| Core capital (leverage) ratio | 7.9833% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8283% | 2,310 |
| Memoranda: | ||
| Average total assets | $502,007,400 | 1,693 |
| Average earning assets | $464,361,800 | 1,703 |
| Average equity | $39,522,400 | 2,098 |
| Average total loans | $350,906,200 | 1,513 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 817 |
| Cost of funding earning assets | 0.4661% | 1,243 |
| Net interest margin | 3.9283% | 889 |
| Noninterest income to average assets | 0.9437% | 1,164 |
| Noninterest expense to average assets | 3.2386% | 669 |
| Loan and lease loss provision to assets | 0.0367% | 2,256 |
| Net operating income to assets | 1.0380% | 2,774 |
| Return on assets (ROA) | 1.0380% | 2,838 |
| Pretax return on assets | 1.3096% | 2,601 |
| Return on Equity (ROE) | 13.1946% | 1,640 |
| Retained earnings to average equity (ytd only) | 12.5481% | 712 |
| Net charge-offs to loans | -0.0072% | 3,551 |
| Credit loss provision to net charge-offs | -721.0526% | 3,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6363% | 1,534 |
| Assets per employee ($millions) | 4.5641% | 4,078 |
| Cash dividends to net income (ytd only)* | 4.8994% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 2,468 |
| Loan loss allowance to noncurrent loans | 3,635.1563% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,007 |
| Noncurrent loans to loans | 0.0358% | 3,951 |
| Net loans and leases to total assets | 68.9573% | 1,198 |
| Net loans and leases to deposits | 79.0597% | 1,376 |
| Net loans and leases to core deposits | 85.8599% | 1,302 |
| Total domestic deposits to total assets | 87.2218% | 2,260 |
| Equity capital to assets | 7.9844% | 4,529 |
| Core capital (leverage) ratio | 7.9645% | 4,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6448% | 2,483 |
| Memoranda: | ||
| Average total assets | $498,144,250 | 1,717 |
| Average earning assets | $461,732,500 | 1,725 |
| Average equity | $39,186,750 | 2,136 |
| Average total loans | $350,741,750 | 1,543 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2662% | 1,063 |
| Cost of funding earning assets | 0.4913% | 1,256 |
| Net interest margin | 3.7749% | 1,176 |
| Noninterest income to average assets | 1.0425% | 1,009 |
| Noninterest expense to average assets | 3.3086% | 610 |
| Loan and lease loss provision to assets | 0.0373% | 2,241 |
| Net operating income to assets | 0.9441% | 3,077 |
| Return on assets (ROA) | 0.9441% | 3,163 |
| Pretax return on assets | 1.1883% | 2,944 |
| Return on Equity (ROE) | 12.0640% | 2,034 |
| Retained earnings to average equity (ytd only) | 11.4170% | 1,029 |
| Net charge-offs to loans | -0.0040% | 3,364 |
| Credit loss provision to net charge-offs | -1,314.2857% | 3,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9701% | 1,339 |
| Assets per employee ($millions) | 4.2145% | 4,320 |
| Cash dividends to net income (ytd only)* | 5.3625% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 2,365 |
| Loan loss allowance to noncurrent loans | 3,481.8182% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 4,086 |
| Noncurrent loans to loans | 0.0378% | 4,010 |
| Net loans and leases to total assets | 68.7433% | 1,358 |
| Net loans and leases to deposits | 79.2431% | 1,489 |
| Net loans and leases to core deposits | 86.5358% | 1,379 |
| Total domestic deposits to total assets | 86.7499% | 2,447 |
| Equity capital to assets | 7.8690% | 4,589 |
| Core capital (leverage) ratio | 7.6904% | 4,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9123% | 2,398 |
| Memoranda: | ||
| Average total assets | $493,798,000 | 1,728 |
| Average earning assets | $456,750,000 | 1,735 |
| Average equity | $38,644,000 | 2,149 |
| Average total loans | $348,605,333 | 1,564 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 1,082 |
| Cost of funding earning assets | 0.5310% | 1,195 |
| Net interest margin | 3.7437% | 1,242 |
| Noninterest income to average assets | 1.2410% | 813 |
| Noninterest expense to average assets | 3.4796% | 482 |
| Loan and lease loss provision to assets | 0.0384% | 2,264 |
| Net operating income to assets | 0.9324% | 3,039 |
| Return on assets (ROA) | 0.9324% | 3,114 |
| Pretax return on assets | 1.1765% | 2,910 |
| Return on Equity (ROE) | 11.9476% | 2,041 |
| Retained earnings to average equity (ytd only) | 11.2676% | 1,329 |
| Net charge-offs to loans | 0.0046% | 1,747 |
| Credit loss provision to net charge-offs | 1,175.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 372.0000% | 248 |
| Efficiency ratio | 74.1217% | 1,298 |
| Assets per employee ($millions) | 4.4209% | 4,176 |
| Cash dividends to net income (ytd only)* | 5.6918% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 2,565 |
| Loan loss allowance to noncurrent loans | 3,338.2353% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 4,173 |
| Noncurrent loans to loans | 0.0381% | 4,090 |
| Net loans and leases to total assets | 69.8511% | 1,309 |
| Net loans and leases to deposits | 79.9683% | 1,525 |
| Net loans and leases to core deposits | 87.2647% | 1,435 |
| Total domestic deposits to total assets | 87.3484% | 2,156 |
| Equity capital to assets | 7.6175% | 4,669 |
| Core capital (leverage) ratio | 7.7182% | 4,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8961% | 2,326 |
| Memoranda: | ||
| Average total assets | $489,936,000 | 1,729 |
| Average earning assets | $451,959,500 | 1,738 |
| Average equity | $38,233,500 | 2,152 |
| Average total loans | $348,228,500 | 1,567 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 1,017 |
| Cost of funding earning assets | 0.8448% | 1,037 |
| Net interest margin | 3.7956% | 1,511 |
| Noninterest income to average assets | 1.3241% | 659 |
| Noninterest expense to average assets | 3.3894% | 801 |
| Loan and lease loss provision to assets | 0.4282% | 679 |
| Net operating income to assets | 0.8025% | 3,082 |
| Return on assets (ROA) | 0.8123% | 3,167 |
| Pretax return on assets | 1.0222% | 2,968 |
| Return on Equity (ROE) | 9.9853% | 2,012 |
| Retained earnings to average equity (ytd only) | 9.6236% | 655 |
| Net charge-offs to loans | 0.0499% | 2,084 |
| Credit loss provision to net charge-offs | 1,146.6667% | 703 |
| Earnings coverage of net charge-offs (x) | 38.5030% | 1,418 |
| Efficiency ratio | 70.2129% | 1,923 |
| Assets per employee ($millions) | 4.3659% | 4,053 |
| Cash dividends to net income (ytd only)* | 3.6222% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 2,298 |
| Loan loss allowance to noncurrent loans | 2,692.8144% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 4,183 |
| Noncurrent loans to loans | 0.0491% | 4,098 |
| Net loans and leases to total assets | 70.4749% | 1,499 |
| Net loans and leases to deposits | 81.2523% | 1,735 |
| Net loans and leases to core deposits | 91.1171% | 1,451 |
| Total domestic deposits to total assets | 86.7359% | 2,064 |
| Equity capital to assets | 8.0011% | 4,705 |
| Core capital (leverage) ratio | 7.7678% | 4,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7717% | 2,321 |
| Memoranda: | ||
| Average total assets | $441,813,600 | 1,733 |
| Average earning assets | $407,788,400 | 1,740 |
| Average equity | $35,942,800 | 2,181 |
| Average total loans | $330,873,600 | 1,573 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6975% | 1,073 |
| Cost of funding earning assets | 0.9014% | 1,065 |
| Net interest margin | 3.7961% | 1,628 |
| Noninterest income to average assets | 1.2001% | 741 |
| Noninterest expense to average assets | 3.2879% | 923 |
| Loan and lease loss provision to assets | 0.5001% | 584 |
| Net operating income to assets | 0.7311% | 3,351 |
| Return on assets (ROA) | 0.7447% | 3,405 |
| Pretax return on assets | 0.9358% | 3,280 |
| Return on Equity (ROE) | 9.1122% | 2,349 |
| Retained earnings to average equity (ytd only) | 8.8675% | 1,020 |
| Net charge-offs to loans | 0.0702% | 1,618 |
| Credit loss provision to net charge-offs | 939.3064% | 870 |
| Earnings coverage of net charge-offs (x) | 26.6532% | 1,689 |
| Efficiency ratio | 69.8549% | 1,905 |
| Assets per employee ($millions) | 4.4708% | 3,879 |
| Cash dividends to net income (ytd only)* | 2.6860% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 2,717 |
| Loan loss allowance to noncurrent loans | 2,911.7241% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 4,305 |
| Noncurrent loans to loans | 0.0409% | 4,225 |
| Net loans and leases to total assets | 75.3838% | 1,179 |
| Net loans and leases to deposits | 88.0146% | 1,485 |
| Net loans and leases to core deposits | 99.5843% | 1,185 |
| Total domestic deposits to total assets | 85.6491% | 2,198 |
| Equity capital to assets | 7.9854% | 4,716 |
| Core capital (leverage) ratio | 7.7955% | 4,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8134% | 2,283 |
| Memoranda: | ||
| Average total assets | $433,295,250 | 1,728 |
| Average earning assets | $400,258,000 | 1,743 |
| Average equity | $35,409,500 | 2,194 |
| Average total loans | $328,622,500 | 1,577 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7379% | 1,313 |
| Cost of funding earning assets | 0.9667% | 1,083 |
| Net interest margin | 3.7712% | 1,913 |
| Noninterest income to average assets | 1.0697% | 872 |
| Noninterest expense to average assets | 3.1693% | 1,213 |
| Loan and lease loss provision to assets | 0.5654% | 576 |
| Net operating income to assets | 0.6475% | 3,590 |
| Return on assets (ROA) | 0.6680% | 3,605 |
| Pretax return on assets | 0.8473% | 3,460 |
| Return on Equity (ROE) | 8.1065% | 2,704 |
| Retained earnings to average equity (ytd only) | 7.7333% | 1,392 |
| Net charge-offs to loans | 0.0994% | 1,278 |
| Credit loss provision to net charge-offs | 751.5723% | 948 |
| Earnings coverage of net charge-offs (x) | 18.4340% | 1,766 |
| Efficiency ratio | 69.5639% | 2,010 |
| Assets per employee ($millions) | 4.3566% | 3,950 |
| Cash dividends to net income (ytd only)* | 4.6034% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 3,034 |
| Loan loss allowance to noncurrent loans | 2,378.7500% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 4,370 |
| Noncurrent loans to loans | 0.0464% | 4,297 |
| Net loans and leases to total assets | 75.2939% | 1,231 |
| Net loans and leases to deposits | 87.9750% | 1,564 |
| Net loans and leases to core deposits | 99.4146% | 1,298 |
| Total domestic deposits to total assets | 85.5855% | 2,170 |
| Equity capital to assets | 7.9362% | 4,751 |
| Core capital (leverage) ratio | 7.7449% | 4,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7838% | 2,282 |
| Memoranda: | ||
| Average total assets | $422,739,667 | 1,736 |
| Average earning assets | $390,802,000 | 1,754 |
| Average equity | $34,836,333 | 2,213 |
| Average total loans | $319,920,667 | 1,594 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 1,551 |
| Cost of funding earning assets | 1.0424% | 1,248 |
| Net interest margin | 3.7113% | 2,288 |
| Noninterest income to average assets | 0.8175% | 1,263 |
| Noninterest expense to average assets | 3.3830% | 1,094 |
| Loan and lease loss provision to assets | 0.1855% | 1,616 |
| Net operating income to assets | 0.5398% | 3,778 |
| Return on assets (ROA) | 0.5830% | 3,712 |
| Pretax return on assets | 0.7272% | 3,601 |
| Return on Equity (ROE) | 6.9321% | 2,977 |
| Retained earnings to average equity (ytd only) | 6.1735% | 1,811 |
| Net charge-offs to loans | 0.0182% | 2,004 |
| Credit loss provision to net charge-offs | 1,350.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 787 |
| Efficiency ratio | 79.7547% | 1,163 |
| Assets per employee ($millions) | 3.8578% | 4,107 |
| Cash dividends to net income (ytd only)* | 10.9428% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 3,947 |
| Loan loss allowance to noncurrent loans | 2,300.7813% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 4,462 |
| Noncurrent loans to loans | 0.0411% | 4,391 |
| Net loans and leases to total assets | 75.4077% | 1,404 |
| Net loans and leases to deposits | 88.5028% | 1,693 |
| Net loans and leases to core deposits | 101.8924% | 1,331 |
| Total domestic deposits to total assets | 85.2038% | 2,329 |
| Equity capital to assets | 8.5756% | 4,801 |
| Core capital (leverage) ratio | 8.4100% | 4,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9717% | 2,714 |
| Memoranda: | ||
| Average total assets | $407,566,500 | 1,740 |
| Average earning assets | $376,038,000 | 1,760 |
| Average equity | $34,275,500 | 2,232 |
| Average total loans | $307,405,000 | 1,611 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9104% | 1,723 |
| Cost of funding earning assets | 1.0880% | 1,371 |
| Net interest margin | 3.8223% | 2,437 |
| Noninterest income to average assets | 0.7183% | 1,749 |
| Noninterest expense to average assets | 3.3488% | 1,209 |
| Loan and lease loss provision to assets | 0.1064% | 1,954 |
| Net operating income to assets | 0.6348% | 4,059 |
| Return on assets (ROA) | 0.6412% | 4,107 |
| Pretax return on assets | 0.7964% | 3,978 |
| Return on Equity (ROE) | 7.8133% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.0307% | 1,375 |
| Net charge-offs to loans | 0.0419% | 2,552 |
| Credit loss provision to net charge-offs | 336.5854% | 824 |
| Earnings coverage of net charge-offs (x) | 28.3171% | 1,633 |
| Efficiency ratio | 78.9139% | 1,045 |
| Assets per employee ($millions) | 3.9437% | 3,982 |
| Cash dividends to net income (ytd only)* | 10.0160% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 3,905 |
| Loan loss allowance to noncurrent loans | 893.5484% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 4,258 |
| Noncurrent loans to loans | 0.1021% | 4,114 |
| Net loans and leases to total assets | 74.0345% | 1,748 |
| Net loans and leases to deposits | 88.3513% | 1,792 |
| Net loans and leases to core deposits | 101.9980% | 1,405 |
| Total domestic deposits to total assets | 83.7956% | 2,913 |
| Equity capital to assets | 8.2429% | 4,999 |
| Core capital (leverage) ratio | 8.2713% | 4,955 |
| Tier 1 risk-based capital ratio | 11.9611% | 4,384 |
| Total risk-based capital ratio | 12.9598% | 4,405 |
| Memoranda: | ||
| Average total assets | $389,243,400 | 1,773 |
| Average earning assets | $358,996,200 | 1,781 |
| Average equity | $31,945,600 | 2,302 |
| Average total loans | $293,834,400 | 1,635 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 1,812 |
| Cost of funding earning assets | 1.0874% | 1,397 |
| Net interest margin | 3.8148% | 2,544 |
| Noninterest income to average assets | 0.7189% | 1,705 |
| Noninterest expense to average assets | 3.3478% | 1,183 |
| Loan and lease loss provision to assets | 0.0914% | 2,083 |
| Net operating income to assets | 0.6417% | 4,177 |
| Return on assets (ROA) | 0.6500% | 4,211 |
| Pretax return on assets | 0.8111% | 4,097 |
| Return on Equity (ROE) | 7.9293% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.1267% | 1,801 |
| Net charge-offs to loans | 0.0426% | 2,244 |
| Credit loss provision to net charge-offs | 283.8710% | 992 |
| Earnings coverage of net charge-offs (x) | 27.6982% | 1,707 |
| Efficiency ratio | 78.9594% | 1,020 |
| Assets per employee ($millions) | 3.7720% | 4,191 |
| Cash dividends to net income (ytd only)* | 10.1227% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 4,172 |
| Loan loss allowance to noncurrent loans | 1,802.7211% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 4,356 |
| Noncurrent loans to loans | 0.0481% | 4,430 |
| Net loans and leases to total assets | 77.2345% | 1,276 |
| Net loans and leases to deposits | 90.5794% | 1,624 |
| Net loans and leases to core deposits | 105.3217% | 1,236 |
| Total domestic deposits to total assets | 85.2671% | 2,315 |
| Equity capital to assets | 8.4150% | 5,027 |
| Core capital (leverage) ratio | 8.3998% | 4,984 |
| Tier 1 risk-based capital ratio | 11.9072% | 4,459 |
| Total risk-based capital ratio | 12.8745% | 4,506 |
| Memoranda: | ||
| Average total assets | $385,003,250 | 1,798 |
| Average earning assets | $355,346,250 | 1,807 |
| Average equity | $31,561,250 | 2,336 |
| Average total loans | $291,417,750 | 1,652 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 2,034 |
| Cost of funding earning assets | 1.0806% | 1,376 |
| Net interest margin | 3.7280% | 2,838 |
| Noninterest income to average assets | 0.6080% | 2,108 |
| Noninterest expense to average assets | 3.2715% | 1,338 |
| Loan and lease loss provision to assets | 0.0685% | 2,449 |
| Net operating income to assets | 0.5744% | 4,372 |
| Return on assets (ROA) | 0.5871% | 4,378 |
| Pretax return on assets | 0.7267% | 4,268 |
| Return on Equity (ROE) | 7.2270% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.4225% | 2,093 |
| Net charge-offs to loans | 0.0433% | 2,032 |
| Credit loss provision to net charge-offs | 211.2903% | 1,158 |
| Earnings coverage of net charge-offs (x) | 24.0484% | 1,638 |
| Efficiency ratio | 80.7588% | 904 |
| Assets per employee ($millions) | 3.6778% | 4,273 |
| Cash dividends to net income (ytd only)* | 11.1309% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 4,255 |
| Loan loss allowance to noncurrent loans | 943.7037% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 4,242 |
| Noncurrent loans to loans | 0.0904% | 4,279 |
| Net loans and leases to total assets | 76.6643% | 1,439 |
| Net loans and leases to deposits | 89.5008% | 1,798 |
| Net loans and leases to core deposits | 104.1171% | 1,377 |
| Total domestic deposits to total assets | 85.6577% | 2,197 |
| Equity capital to assets | 8.3242% | 5,110 |
| Core capital (leverage) ratio | 8.3151% | 5,051 |
| Tier 1 risk-based capital ratio | 11.9959% | 4,421 |
| Total risk-based capital ratio | 12.9532% | 4,476 |
| Memoranda: | ||
| Average total assets | $382,575,670 | 1,813 |
| Average earning assets | $353,326,000 | 1,822 |
| Average equity | $31,078,000 | 2,351 |
| Average total loans | $286,680,330 | 1,679 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7142% | 2,179 |
| Cost of funding earning assets | 1.0868% | 1,231 |
| Net interest margin | 3.6273% | 3,148 |
| Noninterest income to average assets | 0.5431% | 2,326 |
| Noninterest expense to average assets | 3.1977% | 1,492 |
| Loan and lease loss provision to assets | 0.0504% | 2,646 |
| Net operating income to assets | 0.5214% | 4,459 |
| Return on assets (ROA) | 0.5452% | 4,421 |
| Pretax return on assets | 0.6692% | 4,374 |
| Return on Equity (ROE) | 6.7968% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.0110% | 2,451 |
| Net charge-offs to loans | 0.0185% | 2,096 |
| Credit loss provision to net charge-offs | 369.2308% | 734 |
| Earnings coverage of net charge-offs (x) | 50.5385% | 1,015 |
| Efficiency ratio | 82.2480% | 850 |
| Assets per employee ($millions) | 3.7365% | 4,294 |
| Cash dividends to net income (ytd only)* | 11.5607% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 4,221 |
| Loan loss allowance to noncurrent loans | 512.0163% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 4,068 |
| Noncurrent loans to loans | 0.1726% | 3,977 |
| Net loans and leases to total assets | 73.2740% | 1,937 |
| Net loans and leases to deposits | 85.0221% | 2,251 |
| Net loans and leases to core deposits | 98.7668% | 1,725 |
| Total domestic deposits to total assets | 86.1823% | 2,190 |
| Equity capital to assets | 8.0499% | 5,165 |
| Core capital (leverage) ratio | 8.2817% | 5,111 |
| Tier 1 risk-based capital ratio | 12.2381% | 4,331 |
| Total risk-based capital ratio | 13.2183% | 4,371 |
| Memoranda: | ||
| Average total assets | $380,777,000 | 1,834 |
| Average earning assets | $351,112,000 | 1,844 |
| Average equity | $30,544,000 | 2,383 |
| Average total loans | $280,718,000 | 1,716 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 2,013 |
| Cost of funding earning assets | 0.8975% | 1,102 |
| Net interest margin | 3.7440% | 2,880 |
| Noninterest income to average assets | 0.6148% | 2,220 |
| Noninterest expense to average assets | 3.3003% | 1,320 |
| Loan and lease loss provision to assets | 0.0918% | 2,314 |
| Net operating income to assets | 0.6115% | 4,381 |
| Return on assets (ROA) | 0.6170% | 4,380 |
| Pretax return on assets | 0.6749% | 4,477 |
| Return on Equity (ROE) | 7.6402% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.5030% | 1,921 |
| Net charge-offs to loans | 0.0476% | 2,481 |
| Credit loss provision to net charge-offs | 259.8425% | 1,155 |
| Earnings coverage of net charge-offs (x) | 21.5197% | 1,937 |
| Efficiency ratio | 81.2693% | 866 |
| Assets per employee ($millions) | 3.6572% | 4,384 |
| Cash dividends to net income (ytd only)* | 14.8850% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 4,190 |
| Loan loss allowance to noncurrent loans | 595.9135% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 4,174 |
| Noncurrent loans to loans | 0.1502% | 4,070 |
| Net loans and leases to total assets | 72.8551% | 2,121 |
| Net loans and leases to deposits | 85.6381% | 2,324 |
| Net loans and leases to core deposits | 99.6431% | 1,742 |
| Total domestic deposits to total assets | 85.0733% | 2,615 |
| Equity capital to assets | 7.9925% | 5,166 |
| Core capital (leverage) ratio | 8.2988% | 5,121 |
| Tier 1 risk-based capital ratio | 12.4236% | 4,183 |
| Total risk-based capital ratio | 13.4193% | 4,201 |
| Memoranda: | ||
| Average total assets | $359,300,600 | 1,880 |
| Average earning assets | $330,712,000 | 1,884 |
| Average equity | $29,017,400 | 2,393 |
| Average total loans | $266,596,400 | 1,749 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6007% | 1,971 |
| Cost of funding earning assets | 0.8364% | 1,166 |
| Net interest margin | 3.7643% | 2,775 |
| Noninterest income to average assets | 0.6329% | 2,153 |
| Noninterest expense to average assets | 3.3221% | 1,254 |
| Loan and lease loss provision to assets | 0.1018% | 1,964 |
| Net operating income to assets | 0.6260% | 4,431 |
| Return on assets (ROA) | 0.6337% | 4,422 |
| Pretax return on assets | 0.6848% | 4,568 |
| Return on Equity (ROE) | 7.8249% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.5726% | 2,352 |
| Net charge-offs to loans | 0.0258% | 2,602 |
| Credit loss provision to net charge-offs | 531.3725% | 662 |
| Earnings coverage of net charge-offs (x) | 40.6265% | 1,341 |
| Efficiency ratio | 81.0187% | 858 |
| Assets per employee ($millions) | 3.8326% | 4,134 |
| Cash dividends to net income (ytd only)* | 16.0047% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 4,209 |
| Loan loss allowance to noncurrent loans | 575.1152% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 4,386 |
| Noncurrent loans to loans | 0.1590% | 4,166 |
| Net loans and leases to total assets | 73.4979% | 2,075 |
| Net loans and leases to deposits | 85.2342% | 2,448 |
| Net loans and leases to core deposits | 99.3435% | 1,842 |
| Total domestic deposits to total assets | 86.2305% | 2,085 |
| Equity capital to assets | 7.9379% | 5,198 |
| Core capital (leverage) ratio | 8.4528% | 5,117 |
| Tier 1 risk-based capital ratio | 12.3260% | 4,301 |
| Total risk-based capital ratio | 13.3360% | 4,342 |
| Memoranda: | ||
| Average total assets | $354,952,500 | 1,906 |
| Average earning assets | $326,957,750 | 1,911 |
| Average equity | $28,745,000 | 2,415 |
| Average total loans | $264,015,750 | 1,769 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 1,938 |
| Cost of funding earning assets | 0.7777% | 1,239 |
| Net interest margin | 3.7732% | 2,655 |
| Noninterest income to average assets | 0.6833% | 1,939 |
| Noninterest expense to average assets | 3.3141% | 1,284 |
| Loan and lease loss provision to assets | 0.0981% | 1,975 |
| Net operating income to assets | 0.6390% | 4,382 |
| Return on assets (ROA) | 0.6400% | 4,387 |
| Pretax return on assets | 0.7484% | 4,394 |
| Return on Equity (ROE) | 7.8485% | 3,570 |
| Retained earnings to average equity (ytd only) | 6.3796% | 2,370 |
| Net charge-offs to loans | 0.0429% | 2,008 |
| Credit loss provision to net charge-offs | 307.1429% | 984 |
| Earnings coverage of net charge-offs (x) | 26.4643% | 1,598 |
| Efficiency ratio | 79.6764% | 1,048 |
| Assets per employee ($millions) | 3.5887% | 4,487 |
| Cash dividends to net income (ytd only)* | 18.7166% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 4,361 |
| Loan loss allowance to noncurrent loans | 1,172.5490% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 4,737 |
| Noncurrent loans to loans | 0.0764% | 4,576 |
| Net loans and leases to total assets | 74.5036% | 1,864 |
| Net loans and leases to deposits | 90.9072% | 1,719 |
| Net loans and leases to core deposits | 103.4979% | 1,433 |
| Total domestic deposits to total assets | 81.9557% | 3,736 |
| Equity capital to assets | 8.1285% | 5,181 |
| Core capital (leverage) ratio | 8.4610% | 5,134 |
| Tier 1 risk-based capital ratio | 12.4266% | 4,231 |
| Total risk-based capital ratio | 13.4189% | 4,271 |
| Memoranda: | ||
| Average total assets | $350,626,670 | 1,937 |
| Average earning assets | $323,018,000 | 1,934 |
| Average equity | $28,591,330 | 2,438 |
| Average total loans | $261,048,670 | 1,786 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4582% | 1,999 |
| Cost of funding earning assets | 0.7353% | 1,260 |
| Net interest margin | 3.7229% | 2,718 |
| Noninterest income to average assets | 0.6891% | 1,883 |
| Noninterest expense to average assets | 3.3454% | 1,260 |
| Loan and lease loss provision to assets | 0.1045% | 1,777 |
| Net operating income to assets | 0.5722% | 4,505 |
| Return on assets (ROA) | 0.5742% | 4,506 |
| Pretax return on assets | 0.6661% | 4,527 |
| Return on Equity (ROE) | 7.0305% | 3,776 |
| Retained earnings to average equity (ytd only) | 5.6244% | 2,882 |
| Net charge-offs to loans | 0.0279% | 1,940 |
| Credit loss provision to net charge-offs | 505.5556% | 576 |
| Earnings coverage of net charge-offs (x) | 37.1667% | 1,107 |
| Efficiency ratio | 81.3233% | 1,017 |
| Assets per employee ($millions) | 3.7336% | 4,367 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 4,444 |
| Loan loss allowance to noncurrent loans | 1,108.0189% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 4,729 |
| Noncurrent loans to loans | 0.0814% | 4,618 |
| Net loans and leases to total assets | 73.5330% | 1,937 |
| Net loans and leases to deposits | 89.5240% | 1,744 |
| Net loans and leases to core deposits | 101.6500% | 1,564 |
| Total domestic deposits to total assets | 82.1377% | 3,914 |
| Equity capital to assets | 8.1010% | 5,232 |
| Core capital (leverage) ratio | 8.5425% | 5,117 |
| Tier 1 risk-based capital ratio | 12.4505% | 4,278 |
| Total risk-based capital ratio | 13.4438% | 4,336 |
| Memoranda: | ||
| Average total assets | $348,299,000 | 1,960 |
| Average earning assets | $320,397,000 | 1,958 |
| Average equity | $28,447,500 | 2,470 |
| Average total loans | $258,028,000 | 1,804 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 1,756 |
| Cost of funding earning assets | 0.6857% | 1,105 |
| Net interest margin | 3.8009% | 2,424 |
| Noninterest income to average assets | 0.5828% | 2,535 |
| Noninterest expense to average assets | 3.2379% | 1,533 |
| Loan and lease loss provision to assets | 0.0632% | 2,965 |
| Net operating income to assets | 0.4197% | 4,624 |
| Return on assets (ROA) | 0.4413% | 4,586 |
| Pretax return on assets | 0.7962% | 4,253 |
| Return on Equity (ROE) | 5.2157% | 4,079 |
| Retained earnings to average equity (ytd only) | 4.5575% | 2,423 |
| Net charge-offs to loans | 0.0588% | 2,635 |
| Credit loss provision to net charge-offs | 146.8531% | 1,815 |
| Earnings coverage of net charge-offs (x) | 19.1818% | 2,032 |
| Efficiency ratio | 79.6800% | 1,137 |
| Assets per employee ($millions) | 3.7982% | 4,285 |
| Cash dividends to net income (ytd only)* | 12.6194% | 3,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 4,523 |
| Loan loss allowance to noncurrent loans | 1,161.2245% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 4,776 |
| Noncurrent loans to loans | 0.0767% | 4,654 |
| Net loans and leases to total assets | 73.3020% | 2,046 |
| Net loans and leases to deposits | 90.5779% | 1,702 |
| Net loans and leases to core deposits | 103.5183% | 1,443 |
| Total domestic deposits to total assets | 80.9270% | 4,135 |
| Equity capital to assets | 8.2352% | 5,284 |
| Core capital (leverage) ratio | 8.5863% | 5,059 |
| Tier 1 risk-based capital ratio | 12.4666% | 4,225 |
| Total risk-based capital ratio | 13.4436% | 4,296 |
| Memoranda: | ||
| Average total assets | $332,185,800 | 1,996 |
| Average earning assets | $304,219,400 | 2,019 |
| Average equity | $28,107,400 | 2,483 |
| Average total loans | $243,192,200 | 1,858 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 1,691 |
| Cost of funding earning assets | 0.6830% | 1,057 |
| Net interest margin | 3.8004% | 2,400 |
| Noninterest income to average assets | 0.5920% | 2,522 |
| Noninterest expense to average assets | 3.2438% | 1,471 |
| Loan and lease loss provision to assets | 0.0572% | 2,945 |
| Net operating income to assets | 0.5520% | 4,566 |
| Return on assets (ROA) | 0.5847% | 4,480 |
| Pretax return on assets | 0.8130% | 4,316 |
| Return on Equity (ROE) | 6.8620% | 3,741 |
| Retained earnings to average equity (ytd only) | 5.9817% | 2,249 |
| Net charge-offs to loans | 0.0411% | 2,612 |
| Credit loss provision to net charge-offs | 190.5405% | 1,394 |
| Earnings coverage of net charge-offs (x) | 27.4876% | 1,633 |
| Efficiency ratio | 79.7289% | 1,138 |
| Assets per employee ($millions) | 3.6644% | 4,495 |
| Cash dividends to net income (ytd only)* | 12.8294% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 4,508 |
| Loan loss allowance to noncurrent loans | 1,161.2245% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 4,940 |
| Noncurrent loans to loans | 0.0786% | 4,763 |
| Net loans and leases to total assets | 74.1279% | 1,891 |
| Net loans and leases to deposits | 90.3938% | 1,762 |
| Net loans and leases to core deposits | 102.8613% | 1,475 |
| Total domestic deposits to total assets | 82.0055% | 3,780 |
| Equity capital to assets | 8.6504% | 5,188 |
| Core capital (leverage) ratio | 8.7476% | 5,019 |
| Tier 1 risk-based capital ratio | 12.6525% | 4,234 |
| Total risk-based capital ratio | 13.6481% | 4,288 |
| Memoranda: | ||
| Average total assets | $328,822,250 | 2,031 |
| Average earning assets | $300,801,500 | 2,054 |
| Average equity | $28,018,250 | 2,503 |
| Average total loans | $240,081,000 | 1,892 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 1,740 |
| Cost of funding earning assets | 0.6815% | 983 |
| Net interest margin | 3.7423% | 2,506 |
| Noninterest income to average assets | 0.5769% | 2,571 |
| Noninterest expense to average assets | 3.1509% | 1,701 |
| Loan and lease loss provision to assets | 0.0856% | 2,276 |
| Net operating income to assets | 0.5453% | 4,546 |
| Return on assets (ROA) | 0.5818% | 4,437 |
| Pretax return on assets | 0.8042% | 4,257 |
| Return on Equity (ROE) | 6.8632% | 3,629 |
| Retained earnings to average equity (ytd only) | 5.9981% | 2,116 |
| Net charge-offs to loans | 0.0321% | 2,559 |
| Credit loss provision to net charge-offs | 368.4211% | 842 |
| Earnings coverage of net charge-offs (x) | 36.1316% | 1,338 |
| Efficiency ratio | 78.9707% | 1,338 |
| Assets per employee ($millions) | 3.5963% | 4,581 |
| Cash dividends to net income (ytd only)* | 12.6050% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9449% | 4,441 |
| Loan loss allowance to noncurrent loans | 1,662.5899% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 5,076 |
| Noncurrent loans to loans | 0.0568% | 4,904 |
| Net loans and leases to total assets | 73.2267% | 2,000 |
| Net loans and leases to deposits | 88.6059% | 1,908 |
| Net loans and leases to core deposits | 100.5720% | 1,612 |
| Total domestic deposits to total assets | 82.6432% | 3,674 |
| Equity capital to assets | 8.6146% | 5,214 |
| Core capital (leverage) ratio | 8.7460% | 5,007 |
| Tier 1 risk-based capital ratio | 12.5458% | 4,275 |
| Total risk-based capital ratio | 13.5632% | 4,309 |
| Memoranda: | ||
| Average total assets | $327,275,330 | 2,036 |
| Average earning assets | $298,481,000 | 2,066 |
| Average equity | $27,742,330 | 2,522 |
| Average total loans | $236,953,000 | 1,909 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3612% | 1,779 |
| Cost of funding earning assets | 0.6781% | 942 |
| Net interest margin | 3.6831% | 2,549 |
| Noninterest income to average assets | 0.5149% | 2,874 |
| Noninterest expense to average assets | 3.1338% | 1,781 |
| Loan and lease loss provision to assets | 0.0614% | 2,580 |
| Net operating income to assets | 0.4930% | 4,629 |
| Return on assets (ROA) | 0.5493% | 4,427 |
| Pretax return on assets | 0.7398% | 4,310 |
| Return on Equity (ROE) | 6.5345% | 3,644 |
| Retained earnings to average equity (ytd only) | 5.6574% | 2,517 |
| Net charge-offs to loans | 0.0412% | 1,999 |
| Credit loss provision to net charge-offs | 208.3333% | 993 |
| Earnings coverage of net charge-offs (x) | 24.5833% | 1,352 |
| Efficiency ratio | 81.2102% | 1,235 |
| Assets per employee ($millions) | 3.6491% | 4,578 |
| Cash dividends to net income (ytd only)* | 13.4228% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 4,589 |
| Loan loss allowance to noncurrent loans | 894.0000% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 4,967 |
| Noncurrent loans to loans | 0.1054% | 4,766 |
| Net loans and leases to total assets | 72.3168% | 2,031 |
| Net loans and leases to deposits | 87.4295% | 1,869 |
| Net loans and leases to core deposits | 99.5693% | 1,535 |
| Total domestic deposits to total assets | 82.7144% | 3,942 |
| Equity capital to assets | 8.5221% | 5,223 |
| Core capital (leverage) ratio | 8.7556% | 4,995 |
| Tier 1 risk-based capital ratio | 12.5638% | 4,350 |
| Total risk-based capital ratio | 13.5647% | 4,404 |
| Memoranda: | ||
| Average total assets | $325,485,000 | 2,063 |
| Average earning assets | $295,515,500 | 2,100 |
| Average equity | $27,362,500 | 2,554 |
| Average total loans | $233,136,500 | 1,937 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4953% | 1,551 |
| Cost of funding earning assets | 0.7291% | 705 |
| Net interest margin | 3.7663% | 2,447 |
| Noninterest income to average assets | 0.6265% | 2,523 |
| Noninterest expense to average assets | 3.2623% | 1,661 |
| Loan and lease loss provision to assets | 0.0750% | 2,852 |
| Net operating income to assets | 0.5360% | 4,490 |
| Return on assets (ROA) | 0.5912% | 4,359 |
| Pretax return on assets | 0.8080% | 4,165 |
| Return on Equity (ROE) | 6.9472% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.0399% | 1,681 |
| Net charge-offs to loans | 0.1236% | 2,024 |
| Credit loss provision to net charge-offs | 85.3047% | 2,890 |
| Earnings coverage of net charge-offs (x) | 9.1828% | 2,775 |
| Efficiency ratio | 80.1611% | 1,402 |
| Assets per employee ($millions) | 3.6245% | 4,574 |
| Cash dividends to net income (ytd only)* | 13.0597% | 3,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9639% | 4,504 |
| Loan loss allowance to noncurrent loans | 1,589.2086% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 5,185 |
| Noncurrent loans to loans | 0.0607% | 4,998 |
| Net loans and leases to total assets | 69.5788% | 2,546 |
| Net loans and leases to deposits | 85.5128% | 2,236 |
| Net loans and leases to core deposits | 97.5041% | 1,802 |
| Total domestic deposits to total assets | 81.3665% | 4,244 |
| Equity capital to assets | 8.2918% | 5,425 |
| Core capital (leverage) ratio | 8.5758% | 5,190 |
| Tier 1 risk-based capital ratio | 12.6975% | 4,272 |
| Total risk-based capital ratio | 13.7113% | 4,291 |
| Memoranda: | ||
| Average total assets | $317,318,200 | 2,074 |
| Average earning assets | $290,100,400 | 2,102 |
| Average equity | $27,003,800 | 2,571 |
| Average total loans | $225,766,200 | 1,938 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 1,542 |
| Cost of funding earning assets | 0.7348% | 682 |
| Net interest margin | 3.7661% | 2,467 |
| Noninterest income to average assets | 0.6241% | 2,554 |
| Noninterest expense to average assets | 3.2176% | 1,734 |
| Loan and lease loss provision to assets | 0.1248% | 1,866 |
| Net operating income to assets | 0.5405% | 4,535 |
| Return on assets (ROA) | 0.6131% | 4,352 |
| Pretax return on assets | 0.8404% | 4,188 |
| Return on Equity (ROE) | 7.1573% | 3,474 |
| Retained earnings to average equity (ytd only) | 6.2435% | 2,039 |
| Net charge-offs to loans | 0.1435% | 1,553 |
| Credit loss provision to net charge-offs | 121.9008% | 2,067 |
| Earnings coverage of net charge-offs (x) | 8.4545% | 2,764 |
| Efficiency ratio | 78.7979% | 1,580 |
| Assets per employee ($millions) | 3.6747% | 4,525 |
| Cash dividends to net income (ytd only)* | 12.7674% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 4,466 |
| Loan loss allowance to noncurrent loans | 1,293.8202% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 5,076 |
| Noncurrent loans to loans | 0.0765% | 5,041 |
| Net loans and leases to total assets | 71.1968% | 2,319 |
| Net loans and leases to deposits | 86.0524% | 2,250 |
| Net loans and leases to core deposits | 97.6445% | 1,849 |
| Total domestic deposits to total assets | 82.7366% | 3,691 |
| Equity capital to assets | 8.5720% | 5,493 |
| Core capital (leverage) ratio | 8.5511% | 5,316 |
| Tier 1 risk-based capital ratio | 12.3742% | 4,557 |
| Total risk-based capital ratio | 13.4181% | 4,589 |
| Memoranda: | ||
| Average total assets | $315,097,000 | 2,093 |
| Average earning assets | $289,413,250 | 2,109 |
| Average equity | $26,992,750 | 2,587 |
| Average total loans | $224,913,500 | 1,951 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 1,473 |
| Cost of funding earning assets | 0.7401% | 665 |
| Net interest margin | 3.7752% | 2,425 |
| Noninterest income to average assets | 0.5949% | 2,645 |
| Noninterest expense to average assets | 3.1844% | 1,852 |
| Loan and lease loss provision to assets | 0.1191% | 1,912 |
| Net operating income to assets | 0.5477% | 4,490 |
| Return on assets (ROA) | 0.6211% | 4,315 |
| Pretax return on assets | 0.8542% | 4,102 |
| Return on Equity (ROE) | 7.2522% | 3,395 |
| Retained earnings to average equity (ytd only) | 6.3551% | 1,933 |
| Net charge-offs to loans | 0.1844% | 1,237 |
| Credit loss provision to net charge-offs | 90.7317% | 2,233 |
| Earnings coverage of net charge-offs (x) | 6.6488% | 2,720 |
| Efficiency ratio | 78.4880% | 1,713 |
| Assets per employee ($millions) | 3.4189% | 4,889 |
| Cash dividends to net income (ytd only)* | 12.3711% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 4,599 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 5,199 |
| Noncurrent loans to loans | 0.0428% | 5,293 |
| Net loans and leases to total assets | 71.4221% | 2,257 |
| Net loans and leases to deposits | 86.3282% | 2,214 |
| Net loans and leases to core deposits | 98.0315% | 1,805 |
| Total domestic deposits to total assets | 82.7332% | 3,750 |
| Equity capital to assets | 8.6879% | 5,493 |
| Core capital (leverage) ratio | 8.4094% | 5,438 |
| Tier 1 risk-based capital ratio | 12.4799% | 4,543 |
| Total risk-based capital ratio | 13.5155% | 4,586 |
| Memoranda: | ||
| Average total assets | $312,337,000 | 2,116 |
| Average earning assets | $286,448,670 | 2,136 |
| Average equity | $26,750,330 | 2,612 |
| Average total loans | $222,372,330 | 1,967 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 1,740 |
| Cost of funding earning assets | 0.7291% | 696 |
| Net interest margin | 3.6918% | 2,702 |
| Noninterest income to average assets | 0.5346% | 2,901 |
| Noninterest expense to average assets | 3.1179% | 2,051 |
| Loan and lease loss provision to assets | 0.0951% | 2,105 |
| Net operating income to assets | 0.5179% | 4,551 |
| Return on assets (ROA) | 0.5398% | 4,573 |
| Pretax return on assets | 0.7287% | 4,423 |
| Return on Equity (ROE) | 6.3487% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.5929% | 2,587 |
| Net charge-offs to loans | 0.1472% | 1,230 |
| Credit loss provision to net charge-offs | 91.3580% | 1,756 |
| Earnings coverage of net charge-offs (x) | 7.6296% | 2,136 |
| Efficiency ratio | 79.6978% | 1,648 |
| Assets per employee ($millions) | 3.8040% | 4,289 |
| Cash dividends to net income (ytd only)* | 11.9048% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 4,549 |
| Loan loss allowance to noncurrent loans | 770.7904% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 4,681 |
| Noncurrent loans to loans | 0.1309% | 4,948 |
| Net loans and leases to total assets | 68.8687% | 2,519 |
| Net loans and leases to deposits | 83.3033% | 2,391 |
| Net loans and leases to core deposits | 94.5116% | 1,938 |
| Total domestic deposits to total assets | 82.6723% | 4,014 |
| Equity capital to assets | 8.3875% | 5,646 |
| Core capital (leverage) ratio | 8.5945% | 5,298 |
| Tier 1 risk-based capital ratio | 12.4073% | 4,648 |
| Total risk-based capital ratio | 13.4612% | 4,680 |
| Memoranda: | ||
| Average total assets | $311,235,500 | 2,125 |
| Average earning assets | $284,741,500 | 2,154 |
| Average equity | $26,462,000 | 2,632 |
| Average total loans | $220,117,500 | 1,986 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 1,525 |
| Cost of funding earning assets | 0.7890% | 522 |
| Net interest margin | 3.7347% | 2,624 |
| Noninterest income to average assets | 0.5235% | 3,177 |
| Noninterest expense to average assets | 3.2013% | 1,970 |
| Loan and lease loss provision to assets | 0.0724% | 2,823 |
| Net operating income to assets | 0.4772% | 4,779 |
| Return on assets (ROA) | 0.5531% | 4,579 |
| Pretax return on assets | 0.7618% | 4,331 |
| Return on Equity (ROE) | 6.3419% | 3,877 |
| Retained earnings to average equity (ytd only) | 4.9192% | 2,480 |
| Net charge-offs to loans | 0.1448% | 1,911 |
| Credit loss provision to net charge-offs | 70.0658% | 3,124 |
| Earnings coverage of net charge-offs (x) | 7.0658% | 3,122 |
| Efficiency ratio | 81.4267% | 1,482 |
| Assets per employee ($millions) | 3.6064% | 4,630 |
| Cash dividends to net income (ytd only)* | 22.4339% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 4,423 |
| Loan loss allowance to noncurrent loans | 356.1709% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 4,574 |
| Noncurrent loans to loans | 0.2900% | 4,423 |
| Net loans and leases to total assets | 71.1970% | 2,172 |
| Net loans and leases to deposits | 89.0075% | 1,746 |
| Net loans and leases to core deposits | 99.9606% | 1,495 |
| Total domestic deposits to total assets | 79.9899% | 4,746 |
| Equity capital to assets | 8.6232% | 5,448 |
| Core capital (leverage) ratio | 8.5659% | 5,362 |
| Tier 1 risk-based capital ratio | 12.5002% | 4,633 |
| Total risk-based capital ratio | 13.5810% | 4,636 |
| Memoranda: | ||
| Average total assets | $294,157,600 | 2,184 |
| Average earning assets | $268,429,800 | 2,214 |
| Average equity | $25,654,600 | 2,641 |
| Average total loans | $209,950,800 | 1,996 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5136% | 1,558 |
| Cost of funding earning assets | 0.8022% | 491 |
| Net interest margin | 3.7113% | 2,722 |
| Noninterest income to average assets | 0.5649% | 2,954 |
| Noninterest expense to average assets | 3.1976% | 1,976 |
| Loan and lease loss provision to assets | 0.0785% | 2,603 |
| Net operating income to assets | 0.4858% | 4,841 |
| Return on assets (ROA) | 0.5503% | 4,689 |
| Pretax return on assets | 0.7649% | 4,447 |
| Return on Equity (ROE) | 6.2913% | 4,010 |
| Retained earnings to average equity (ytd only) | 4.6989% | 3,127 |
| Net charge-offs to loans | 0.1776% | 1,414 |
| Credit loss provision to net charge-offs | 62.0939% | 2,888 |
| Earnings coverage of net charge-offs (x) | 5.9604% | 3,127 |
| Efficiency ratio | 80.9199% | 1,530 |
| Assets per employee ($millions) | 3.5418% | 4,714 |
| Cash dividends to net income (ytd only)* | 25.3114% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 4,517 |
| Loan loss allowance to noncurrent loans | 217.8189% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 4,054 |
| Noncurrent loans to loans | 0.4780% | 3,928 |
| Net loans and leases to total assets | 70.6199% | 2,295 |
| Net loans and leases to deposits | 85.3762% | 2,224 |
| Net loans and leases to core deposits | 96.0631% | 1,872 |
| Total domestic deposits to total assets | 82.7162% | 3,913 |
| Equity capital to assets | 8.6457% | 5,612 |
| Core capital (leverage) ratio | 8.7998% | 5,238 |
| Tier 1 risk-based capital ratio | 12.6526% | 4,645 |
| Total risk-based capital ratio | 13.7551% | 4,653 |
| Memoranda: | ||
| Average total assets | $291,962,750 | 2,210 |
| Average earning assets | $266,420,000 | 2,241 |
| Average equity | $25,537,500 | 2,671 |
| Average total loans | $207,955,250 | 2,016 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 1,436 |
| Cost of funding earning assets | 0.8159% | 451 |
| Net interest margin | 3.7192% | 2,629 |
| Noninterest income to average assets | 0.5711% | 2,899 |
| Noninterest expense to average assets | 3.1938% | 1,999 |
| Loan and lease loss provision to assets | 0.0858% | 2,397 |
| Net operating income to assets | 0.4880% | 4,820 |
| Return on assets (ROA) | 0.5593% | 4,628 |
| Pretax return on assets | 0.7760% | 4,403 |
| Return on Equity (ROE) | 6.3687% | 3,952 |
| Retained earnings to average equity (ytd only) | 4.5558% | 3,131 |
| Net charge-offs to loans | 0.2169% | 1,175 |
| Credit loss provision to net charge-offs | 55.6054% | 2,645 |
| Earnings coverage of net charge-offs (x) | 4.9417% | 2,976 |
| Efficiency ratio | 80.7208% | 1,659 |
| Assets per employee ($millions) | 3.2438% | 5,265 |
| Cash dividends to net income (ytd only)* | 28.4653% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 4,522 |
| Loan loss allowance to noncurrent loans | 238.1104% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 4,297 |
| Noncurrent loans to loans | 0.4464% | 4,134 |
| Net loans and leases to total assets | 71.5151% | 2,071 |
| Net loans and leases to deposits | 85.9169% | 2,064 |
| Net loans and leases to core deposits | 96.3439% | 1,770 |
| Total domestic deposits to total assets | 83.2375% | 3,857 |
| Equity capital to assets | 8.7387% | 5,494 |
| Core capital (leverage) ratio | 8.7906% | 5,233 |
| Tier 1 risk-based capital ratio | 12.5777% | 4,757 |
| Total risk-based capital ratio | 13.6906% | 4,766 |
| Memoranda: | ||
| Average total assets | $288,933,330 | 2,246 |
| Average earning assets | $263,013,330 | 2,278 |
| Average equity | $25,374,000 | 2,691 |
| Average total loans | $205,660,670 | 2,043 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5082% | 1,432 |
| Cost of funding earning assets | 0.8372% | 409 |
| Net interest margin | 3.6710% | 2,729 |
| Noninterest income to average assets | 0.5080% | 3,232 |
| Noninterest expense to average assets | 3.1257% | 2,194 |
| Loan and lease loss provision to assets | 0.0404% | 3,104 |
| Net operating income to assets | 0.4988% | 4,690 |
| Return on assets (ROA) | 0.5720% | 4,502 |
| Pretax return on assets | 0.7863% | 4,289 |
| Return on Equity (ROE) | 6.4967% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.4967% | 2,240 |
| Net charge-offs to loans | 0.0985% | 1,737 |
| Credit loss provision to net charge-offs | 58.0000% | 2,024 |
| Earnings coverage of net charge-offs (x) | 10.4400% | 1,937 |
| Efficiency ratio | 81.1416% | 1,739 |
| Assets per employee ($millions) | 3.4430% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 4,398 |
| Loan loss allowance to noncurrent loans | 133.6212% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 3,341 |
| Noncurrent loans to loans | 0.8417% | 3,143 |
| Net loans and leases to total assets | 70.5527% | 2,063 |
| Net loans and leases to deposits | 83.1976% | 2,181 |
| Net loans and leases to core deposits | 93.0995% | 1,840 |
| Total domestic deposits to total assets | 84.8015% | 3,515 |
| Equity capital to assets | 8.8772% | 5,417 |
| Core capital (leverage) ratio | 8.8163% | 5,184 |
| Tier 1 risk-based capital ratio | 12.8303% | 4,709 |
| Total risk-based capital ratio | 14.0128% | 4,664 |
| Memoranda: | ||
| Average total assets | $287,428,000 | 2,268 |
| Average earning assets | $261,836,000 | 2,301 |
| Average equity | $25,305,000 | 2,720 |
| Average total loans | $202,977,500 | 2,065 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6682% | 1,376 |
| Cost of funding earning assets | 0.9130% | 360 |
| Net interest margin | 3.7552% | 2,796 |
| Noninterest income to average assets | 0.5194% | 3,367 |
| Noninterest expense to average assets | 3.0979% | 2,521 |
| Loan and lease loss provision to assets | 0.0571% | 3,402 |
| Net operating income to assets | 0.5737% | 4,491 |
| Return on assets (ROA) | 0.6041% | 4,441 |
| Pretax return on assets | 0.8389% | 4,117 |
| Return on Equity (ROE) | 6.8996% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.0070% | 1,928 |
| Net charge-offs to loans | 0.1584% | 2,453 |
| Credit loss provision to net charge-offs | 50.1597% | 3,475 |
| Earnings coverage of net charge-offs (x) | 7.5048% | 3,024 |
| Efficiency ratio | 78.3940% | 2,149 |
| Assets per employee ($millions) | 3.5265% | 4,856 |
| Cash dividends to net income (ytd only)* | 12.9362% | 4,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 4,149 |
| Loan loss allowance to noncurrent loans | 124.9067% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7173% | 3,418 |
| Noncurrent loans to loans | 0.9394% | 2,972 |
| Net loans and leases to total assets | 69.0527% | 2,384 |
| Net loans and leases to deposits | 81.6580% | 2,519 |
| Net loans and leases to core deposits | 92.7361% | 2,017 |
| Total domestic deposits to total assets | 84.5633% | 3,476 |
| Equity capital to assets | 8.7297% | 5,557 |
| Core capital (leverage) ratio | 8.7720% | 5,266 |
| Tier 1 risk-based capital ratio | 12.9926% | 4,735 |
| Total risk-based capital ratio | 14.2211% | 4,656 |
| Memoranda: | ||
| Average total assets | $275,124,600 | 2,320 |
| Average earning assets | $251,466,200 | 2,335 |
| Average equity | $24,088,400 | 2,750 |
| Average total loans | $197,569,800 | 2,056 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7040% | 1,295 |
| Cost of funding earning assets | 0.9185% | 375 |
| Net interest margin | 3.7854% | 2,671 |
| Noninterest income to average assets | 0.5245% | 3,369 |
| Noninterest expense to average assets | 3.0806% | 2,524 |
| Loan and lease loss provision to assets | 0.0822% | 2,707 |
| Net operating income to assets | 0.5941% | 4,467 |
| Return on assets (ROA) | 0.6033% | 4,523 |
| Pretax return on assets | 0.8367% | 4,228 |
| Return on Equity (ROE) | 6.8853% | 3,766 |
| Retained earnings to average equity (ytd only) | 5.9639% | 2,436 |
| Net charge-offs to loans | 0.1035% | 2,760 |
| Credit loss provision to net charge-offs | 109.8039% | 2,042 |
| Earnings coverage of net charge-offs (x) | 12.1049% | 2,348 |
| Efficiency ratio | 77.2705% | 2,307 |
| Assets per employee ($millions) | 3.3558% | 5,128 |
| Cash dividends to net income (ytd only)* | 13.3817% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 3,808 |
| Loan loss allowance to noncurrent loans | 185.1879% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5805% | 4,103 |
| Noncurrent loans to loans | 0.6860% | 3,893 |
| Net loans and leases to total assets | 70.1154% | 2,178 |
| Net loans and leases to deposits | 80.9631% | 2,555 |
| Net loans and leases to core deposits | 92.1547% | 2,025 |
| Total domestic deposits to total assets | 86.6017% | 2,527 |
| Equity capital to assets | 8.8118% | 5,538 |
| Core capital (leverage) ratio | 8.8670% | 5,240 |
| Tier 1 risk-based capital ratio | 12.9140% | 4,918 |
| Total risk-based capital ratio | 14.1651% | 4,830 |
| Memoranda: | ||
| Average total assets | $272,494,750 | 2,356 |
| Average earning assets | $249,229,250 | 2,362 |
| Average equity | $23,876,500 | 2,772 |
| Average total loans | $197,065,500 | 2,074 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7099% | 1,261 |
| Cost of funding earning assets | 0.9107% | 402 |
| Net interest margin | 3.7993% | 2,577 |
| Noninterest income to average assets | 0.5302% | 3,263 |
| Noninterest expense to average assets | 3.0398% | 2,691 |
| Loan and lease loss provision to assets | 0.1020% | 2,315 |
| Net operating income to assets | 0.6233% | 4,229 |
| Return on assets (ROA) | 0.6233% | 4,328 |
| Pretax return on assets | 0.8681% | 4,004 |
| Return on Equity (ROE) | 7.1278% | 3,557 |
| Retained earnings to average equity (ytd only) | 5.7326% | 2,490 |
| Net charge-offs to loans | 0.0711% | 2,995 |
| Credit loss provision to net charge-offs | 197.1429% | 1,188 |
| Earnings coverage of net charge-offs (x) | 18.7429% | 1,663 |
| Efficiency ratio | 75.8067% | 2,671 |
| Assets per employee ($millions) | 3.3358% | 5,185 |
| Cash dividends to net income (ytd only)* | 19.5730% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 3,903 |
| Loan loss allowance to noncurrent loans | 166.8401% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 4,039 |
| Noncurrent loans to loans | 0.7738% | 3,765 |
| Net loans and leases to total assets | 71.7229% | 1,793 |
| Net loans and leases to deposits | 83.4246% | 2,098 |
| Net loans and leases to core deposits | 95.9064% | 1,609 |
| Total domestic deposits to total assets | 85.9733% | 3,055 |
| Equity capital to assets | 8.8391% | 5,483 |
| Core capital (leverage) ratio | 8.7511% | 5,337 |
| Tier 1 risk-based capital ratio | 12.7318% | 5,070 |
| Total risk-based capital ratio | 13.9833% | 5,014 |
| Memoranda: | ||
| Average total assets | $270,481,330 | 2,371 |
| Average earning assets | $247,731,330 | 2,380 |
| Average equity | $23,654,000 | 2,784 |
| Average total loans | $196,817,670 | 2,073 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7031% | 1,249 |
| Cost of funding earning assets | 0.9081% | 432 |
| Net interest margin | 3.7950% | 2,490 |
| Noninterest income to average assets | 0.5681% | 2,929 |
| Noninterest expense to average assets | 3.0176% | 2,806 |
| Loan and lease loss provision to assets | 0.1353% | 1,793 |
| Net operating income to assets | 0.6202% | 4,100 |
| Return on assets (ROA) | 0.6202% | 4,180 |
| Pretax return on assets | 0.8894% | 3,740 |
| Return on Equity (ROE) | 7.1306% | 3,398 |
| Retained earnings to average equity (ytd only) | 5.4207% | 2,840 |
| Net charge-offs to loans | 0.0899% | 2,263 |
| Credit loss provision to net charge-offs | 206.8182% | 1,011 |
| Earnings coverage of net charge-offs (x) | 15.6591% | 1,538 |
| Efficiency ratio | 74.6505% | 3,025 |
| Assets per employee ($millions) | 3.7088% | 4,501 |
| Cash dividends to net income (ytd only)* | 23.9808% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 4,110 |
| Loan loss allowance to noncurrent loans | 172.3087% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.6345% | 4,229 |
| Noncurrent loans to loans | 0.7559% | 3,976 |
| Net loans and leases to total assets | 71.2290% | 1,691 |
| Net loans and leases to deposits | 83.2430% | 1,922 |
| Net loans and leases to core deposits | 95.5308% | 1,421 |
| Total domestic deposits to total assets | 85.5676% | 3,577 |
| Equity capital to assets | 8.7233% | 5,429 |
| Core capital (leverage) ratio | 8.8285% | 5,233 |
| Tier 1 risk-based capital ratio | 12.7572% | 5,156 |
| Total risk-based capital ratio | 13.9699% | 5,116 |
| Memoranda: | ||
| Average total assets | $268,954,000 | 2,387 |
| Average earning assets | $246,219,500 | 2,388 |
| Average equity | $23,392,000 | 2,806 |
| Average total loans | $195,849,500 | 2,087 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8454% | 1,211 |
| Cost of funding earning assets | 0.9784% | 503 |
| Net interest margin | 3.8670% | 2,408 |
| Noninterest income to average assets | 0.5777% | 3,228 |
| Noninterest expense to average assets | 3.2172% | 2,365 |
| Loan and lease loss provision to assets | 0.1536% | 2,356 |
| Net operating income to assets | 0.5444% | 4,535 |
| Return on assets (ROA) | 0.6497% | 4,141 |
| Pretax return on assets | 0.9052% | 3,746 |
| Return on Equity (ROE) | 7.3333% | 3,393 |
| Retained earnings to average equity (ytd only) | 4.1402% | 3,226 |
| Net charge-offs to loans | 0.0861% | 4,007 |
| Credit loss provision to net charge-offs | 243.2927% | 940 |
| Earnings coverage of net charge-offs (x) | 14.4573% | 1,941 |
| Efficiency ratio | 77.9031% | 2,489 |
| Assets per employee ($millions) | 3.6103% | 4,654 |
| Cash dividends to net income (ytd only)* | 43.5427% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 4,281 |
| Loan loss allowance to noncurrent loans | 170.1635% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.6472% | 4,294 |
| Noncurrent loans to loans | 0.7478% | 4,097 |
| Net loans and leases to total assets | 72.5426% | 1,589 |
| Net loans and leases to deposits | 88.3745% | 1,424 |
| Net loans and leases to core deposits | 100.1509% | 1,146 |
| Total domestic deposits to total assets | 82.0855% | 4,842 |
| Equity capital to assets | 8.6711% | 5,403 |
| Core capital (leverage) ratio | 8.9478% | 5,083 |
| Tier 1 risk-based capital ratio | 12.5680% | 5,246 |
| Total risk-based capital ratio | 13.8193% | 5,196 |
| Memoranda: | ||
| Average total assets | $259,819,600 | 2,438 |
| Average earning assets | $238,658,600 | 2,432 |
| Average equity | $23,018,200 | 2,819 |
| Average total loans | $190,418,600 | 2,096 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 1,182 |
| Cost of funding earning assets | 0.9930% | 510 |
| Net interest margin | 3.8797% | 2,344 |
| Noninterest income to average assets | 0.5876% | 3,233 |
| Noninterest expense to average assets | 3.2647% | 2,163 |
| Loan and lease loss provision to assets | 0.1690% | 2,150 |
| Net operating income to assets | 0.5202% | 4,717 |
| Return on assets (ROA) | 0.6233% | 4,374 |
| Pretax return on assets | 0.8631% | 4,031 |
| Return on Equity (ROE) | 6.9968% | 3,651 |
| Retained earnings to average equity (ytd only) | 3.0807% | 4,477 |
| Net charge-offs to loans | 0.0374% | 4,398 |
| Credit loss provision to net charge-offs | 616.9811% | 461 |
| Earnings coverage of net charge-offs (x) | 32.4551% | 1,171 |
| Efficiency ratio | 78.5990% | 2,325 |
| Assets per employee ($millions) | 3.3127% | 5,265 |
| Cash dividends to net income (ytd only)* | 55.9703% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 4,303 |
| Loan loss allowance to noncurrent loans | 165.3846% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 4,632 |
| Noncurrent loans to loans | 0.7959% | 4,254 |
| Net loans and leases to total assets | 73.6144% | 1,346 |
| Net loans and leases to deposits | 87.4022% | 1,442 |
| Net loans and leases to core deposits | 97.7064% | 1,261 |
| Total domestic deposits to total assets | 84.2248% | 4,099 |
| Equity capital to assets | 8.8426% | 5,369 |
| Core capital (leverage) ratio | 8.8721% | 5,291 |
| Tier 1 risk-based capital ratio | 12.7853% | 5,266 |
| Total risk-based capital ratio | 14.0375% | 5,203 |
| Memoranda: | ||
| Average total assets | $257,983,750 | 2,469 |
| Average earning assets | $237,123,750 | 2,465 |
| Average equity | $22,981,250 | 2,855 |
| Average total loans | $188,947,000 | 2,110 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8719% | 1,168 |
| Cost of funding earning assets | 0.9961% | 555 |
| Net interest margin | 3.8758% | 2,292 |
| Noninterest income to average assets | 0.5810% | 3,311 |
| Noninterest expense to average assets | 3.2523% | 2,209 |
| Loan and lease loss provision to assets | 0.1644% | 2,274 |
| Net operating income to assets | 0.5233% | 4,702 |
| Return on assets (ROA) | 0.6066% | 4,427 |
| Pretax return on assets | 0.8470% | 4,126 |
| Return on Equity (ROE) | 6.7924% | 3,724 |
| Retained earnings to average equity (ytd only) | 3.0575% | 4,374 |
| Net charge-offs to loans | 0.0373% | 4,162 |
| Credit loss provision to net charge-offs | 605.7143% | 479 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,068 |
| Efficiency ratio | 78.4031% | 2,395 |
| Assets per employee ($millions) | 3.1072% | 5,664 |
| Cash dividends to net income (ytd only)* | 54.9872% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 4,546 |
| Loan loss allowance to noncurrent loans | 163.9785% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 4,788 |
| Noncurrent loans to loans | 0.7884% | 4,334 |
| Net loans and leases to total assets | 72.2365% | 1,534 |
| Net loans and leases to deposits | 85.9812% | 1,579 |
| Net loans and leases to core deposits | 96.2268% | 1,335 |
| Total domestic deposits to total assets | 84.0143% | 4,311 |
| Equity capital to assets | 8.8275% | 5,416 |
| Core capital (leverage) ratio | 8.8006% | 5,286 |
| Tier 1 risk-based capital ratio | 12.8259% | 5,273 |
| Total risk-based capital ratio | 14.0790% | 5,200 |
| Memoranda: | ||
| Average total assets | $257,849,330 | 2,478 |
| Average earning assets | $237,320,000 | 2,471 |
| Average equity | $23,025,670 | 2,864 |
| Average total loans | $187,680,330 | 2,128 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 1,190 |
| Cost of funding earning assets | 1.0087% | 592 |
| Net interest margin | 3.8473% | 2,294 |
| Noninterest income to average assets | 0.5740% | 3,278 |
| Noninterest expense to average assets | 3.2022% | 2,346 |
| Loan and lease loss provision to assets | 0.1753% | 2,115 |
| Net operating income to assets | 0.5195% | 4,570 |
| Return on assets (ROA) | 0.5911% | 4,412 |
| Pretax return on assets | 0.8300% | 4,043 |
| Return on Equity (ROE) | 6.5816% | 3,721 |
| Retained earnings to average equity (ytd only) | 4.8541% | 3,326 |
| Net charge-offs to loans | 0.0449% | 3,399 |
| Credit loss provision to net charge-offs | 538.0952% | 499 |
| Earnings coverage of net charge-offs (x) | 27.7619% | 1,008 |
| Efficiency ratio | 77.9751% | 2,613 |
| Assets per employee ($millions) | 3.3537% | 5,325 |
| Cash dividends to net income (ytd only)* | 26.2467% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 4,914 |
| Loan loss allowance to noncurrent loans | 139.5969% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7036% | 4,619 |
| Noncurrent loans to loans | 0.8997% | 4,337 |
| Net loans and leases to total assets | 71.6959% | 1,401 |
| Net loans and leases to deposits | 84.8016% | 1,499 |
| Net loans and leases to core deposits | 94.7518% | 1,290 |
| Total domestic deposits to total assets | 84.5455% | 4,251 |
| Equity capital to assets | 9.0185% | 5,463 |
| Core capital (leverage) ratio | 8.8164% | 5,159 |
| Tier 1 risk-based capital ratio | 12.9249% | 5,284 |
| Total risk-based capital ratio | 14.1763% | 5,234 |
| Memoranda: | ||
| Average total assets | $257,824,000 | 2,516 |
| Average earning assets | $236,737,000 | 2,505 |
| Average equity | $23,155,500 | 2,901 |
| Average total loans | $187,151,500 | 2,149 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1834% | 1,148 |
| Cost of funding earning assets | 1.1119% | 864 |
| Net interest margin | 4.0715% | 2,114 |
| Noninterest income to average assets | 0.5838% | 3,368 |
| Noninterest expense to average assets | 3.1864% | 2,660 |
| Loan and lease loss provision to assets | 0.3630% | 1,823 |
| Net operating income to assets | 0.5464% | 4,495 |
| Return on assets (ROA) | 0.6252% | 4,376 |
| Pretax return on assets | 0.8768% | 4,005 |
| Return on Equity (ROE) | 7.1087% | 3,581 |
| Retained earnings to average equity (ytd only) | 4.5762% | 3,003 |
| Net charge-offs to loans | 0.2869% | 3,227 |
| Credit loss provision to net charge-offs | 174.9529% | 1,505 |
| Earnings coverage of net charge-offs (x) | 5.4407% | 3,036 |
| Efficiency ratio | 73.8410% | 3,094 |
| Assets per employee ($millions) | 3.3430% | 5,342 |
| Cash dividends to net income (ytd only)* | 35.6250% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 5,064 |
| Loan loss allowance to noncurrent loans | 152.6991% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 4,735 |
| Noncurrent loans to loans | 0.7933% | 4,596 |
| Net loans and leases to total assets | 71.6906% | 1,533 |
| Net loans and leases to deposits | 86.3196% | 1,477 |
| Net loans and leases to core deposits | 96.1166% | 1,291 |
| Total domestic deposits to total assets | 83.0525% | 4,701 |
| Equity capital to assets | 8.9436% | 5,587 |
| Core capital (leverage) ratio | 8.6369% | 5,413 |
| Tier 1 risk-based capital ratio | 12.8356% | 5,225 |
| Total risk-based capital ratio | 14.0859% | 5,164 |
| Memoranda: | ||
| Average total assets | $255,930,200 | 2,481 |
| Average earning assets | $234,556,800 | 2,459 |
| Average equity | $22,507,600 | 2,912 |
| Average total loans | $185,065,400 | 2,139 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1815% | 1,237 |
| Cost of funding earning assets | 1.1252% | 960 |
| Net interest margin | 4.0564% | 2,270 |
| Noninterest income to average assets | 0.5295% | 3,750 |
| Noninterest expense to average assets | 3.1851% | 2,614 |
| Loan and lease loss provision to assets | 0.3235% | 2,031 |
| Net operating income to assets | 0.5293% | 4,712 |
| Return on assets (ROA) | 0.6078% | 4,612 |
| Pretax return on assets | 0.8520% | 4,295 |
| Return on Equity (ROE) | 6.9408% | 3,852 |
| Retained earnings to average equity (ytd only) | 4.1407% | 3,991 |
| Net charge-offs to loans | 0.2643% | 3,134 |
| Credit loss provision to net charge-offs | 169.3989% | 1,642 |
| Earnings coverage of net charge-offs (x) | 5.5765% | 2,986 |
| Efficiency ratio | 74.9448% | 2,837 |
| Assets per employee ($millions) | 3.2642% | 5,515 |
| Cash dividends to net income (ytd only)* | 40.3434% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 5,576 |
| Loan loss allowance to noncurrent loans | 102.2683% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.9167% | 4,447 |
| Noncurrent loans to loans | 1.1102% | 4,199 |
| Net loans and leases to total assets | 71.5527% | 1,636 |
| Net loans and leases to deposits | 85.6186% | 1,648 |
| Net loans and leases to core deposits | 95.6096% | 1,441 |
| Total domestic deposits to total assets | 83.5714% | 4,401 |
| Equity capital to assets | 8.8524% | 5,976 |
| Core capital (leverage) ratio | 8.5834% | 5,646 |
| Tier 1 risk-based capital ratio | 12.6100% | 5,555 |
| Total risk-based capital ratio | 13.8226% | 5,543 |
| Memoranda: | ||
| Average total assets | $255,559,500 | 2,501 |
| Average earning assets | $234,390,250 | 2,485 |
| Average equity | $22,379,000 | 2,958 |
| Average total loans | $184,630,750 | 2,174 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1767% | 1,323 |
| Cost of funding earning assets | 1.1440% | 1,056 |
| Net interest margin | 4.0327% | 2,373 |
| Noninterest income to average assets | 0.4875% | 4,007 |
| Noninterest expense to average assets | 3.1666% | 2,707 |
| Loan and lease loss provision to assets | 0.3211% | 2,057 |
| Net operating income to assets | 0.5045% | 4,805 |
| Return on assets (ROA) | 0.5989% | 4,629 |
| Pretax return on assets | 0.8305% | 4,355 |
| Return on Equity (ROE) | 6.8648% | 3,850 |
| Retained earnings to average equity (ytd only) | 4.4356% | 3,650 |
| Net charge-offs to loans | 0.3740% | 2,523 |
| Credit loss provision to net charge-offs | 118.8953% | 2,317 |
| Earnings coverage of net charge-offs (x) | 3.7791% | 3,271 |
| Efficiency ratio | 75.6280% | 2,802 |
| Assets per employee ($millions) | 3.3675% | 5,281 |
| Cash dividends to net income (ytd only)* | 35.3866% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 5,986 |
| Loan loss allowance to noncurrent loans | 85.2097% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.2664% | 3,893 |
| Noncurrent loans to loans | 1.2261% | 4,093 |
| Net loans and leases to total assets | 71.4290% | 1,652 |
| Net loans and leases to deposits | 85.5125% | 1,657 |
| Net loans and leases to core deposits | 95.0323% | 1,505 |
| Total domestic deposits to total assets | 83.5305% | 4,517 |
| Equity capital to assets | 8.8146% | 5,898 |
| Core capital (leverage) ratio | 8.4121% | 5,770 |
| Tier 1 risk-based capital ratio | 12.5283% | 5,546 |
| Total risk-based capital ratio | 13.6359% | 5,641 |
| Memoranda: | ||
| Average total assets | $254,788,330 | 2,501 |
| Average earning assets | $233,737,670 | 2,485 |
| Average equity | $22,229,330 | 2,957 |
| Average total loans | $183,963,000 | 2,174 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1768% | 1,364 |
| Cost of funding earning assets | 1.1725% | 1,095 |
| Net interest margin | 4.0043% | 2,487 |
| Noninterest income to average assets | 0.4752% | 4,107 |
| Noninterest expense to average assets | 3.1784% | 2,672 |
| Loan and lease loss provision to assets | 0.3131% | 2,003 |
| Net operating income to assets | 0.4679% | 4,969 |
| Return on assets (ROA) | 0.5963% | 4,572 |
| Pretax return on assets | 0.8402% | 4,264 |
| Return on Equity (ROE) | 6.8708% | 3,850 |
| Retained earnings to average equity (ytd only) | 3.7889% | 4,313 |
| Net charge-offs to loans | 0.1961% | 2,940 |
| Credit loss provision to net charge-offs | 221.1111% | 1,255 |
| Earnings coverage of net charge-offs (x) | 6.8667% | 2,144 |
| Efficiency ratio | 76.5732% | 2,702 |
| Assets per employee ($millions) | 3.4369% | 5,261 |
| Cash dividends to net income (ytd only)* | 44.8549% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 6,032 |
| Loan loss allowance to noncurrent loans | 60.5521% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.3815% | 3,804 |
| Noncurrent loans to loans | 1.7540% | 3,482 |
| Net loans and leases to total assets | 71.3369% | 1,511 |
| Net loans and leases to deposits | 83.9734% | 1,668 |
| Net loans and leases to core deposits | 94.5784% | 1,406 |
| Total domestic deposits to total assets | 84.9517% | 4,068 |
| Equity capital to assets | 8.5677% | 6,021 |
| Core capital (leverage) ratio | 8.4900% | 5,613 |
| Tier 1 risk-based capital ratio | 12.3498% | 5,719 |
| Total risk-based capital ratio | 13.4811% | 5,773 |
| Memoranda: | ||
| Average total assets | $254,219,000 | 2,529 |
| Average earning assets | $233,350,500 | 2,509 |
| Average equity | $22,064,500 | 2,974 |
| Average total loans | $183,576,500 | 2,189 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2668% | 1,810 |
| Cost of funding earning assets | 1.3111% | 1,427 |
| Net interest margin | 3.9557% | 3,082 |
| Noninterest income to average assets | 0.4193% | 4,457 |
| Noninterest expense to average assets | 3.1390% | 3,065 |
| Loan and lease loss provision to assets | 0.4477% | 2,365 |
| Net operating income to assets | 0.3305% | 5,145 |
| Return on assets (ROA) | 0.5496% | 4,420 |
| Pretax return on assets | 0.7543% | 4,137 |
| Return on Equity (ROE) | 6.4064% | 3,692 |
| Retained earnings to average equity (ytd only) | 5.1019% | 2,559 |
| Net charge-offs to loans | 0.7091% | 2,386 |
| Credit loss provision to net charge-offs | 89.0302% | 4,053 |
| Earnings coverage of net charge-offs (x) | 1.7933% | 4,438 |
| Efficiency ratio | 77.6833% | 2,633 |
| Assets per employee ($millions) | 3.3874% | 5,275 |
| Cash dividends to net income (ytd only)* | 20.3636% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 6,076 |
| Loan loss allowance to noncurrent loans | 62.4372% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.4038% | 3,882 |
| Noncurrent loans to loans | 1.6476% | 3,688 |
| Net loans and leases to total assets | 71.5803% | 1,719 |
| Net loans and leases to deposits | 84.9047% | 1,815 |
| Net loans and leases to core deposits | 95.7838% | 1,515 |
| Total domestic deposits to total assets | 84.3067% | 4,181 |
| Equity capital to assets | 8.7941% | 5,802 |
| Core capital (leverage) ratio | 8.4454% | 5,646 |
| Tier 1 risk-based capital ratio | 12.5456% | 5,411 |
| Total risk-based capital ratio | 13.6421% | 5,518 |
| Memoranda: | ||
| Average total assets | $250,178,000 | 2,521 |
| Average earning assets | $229,037,200 | 2,516 |
| Average equity | $21,462,800 | 2,955 |
| Average total loans | $177,405,400 | 2,288 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2550% | 2,007 |
| Cost of funding earning assets | 1.3365% | 1,522 |
| Net interest margin | 3.9185% | 3,289 |
| Noninterest income to average assets | 0.4218% | 4,504 |
| Noninterest expense to average assets | 3.1555% | 2,975 |
| Loan and lease loss provision to assets | 0.3994% | 2,460 |
| Net operating income to assets | 0.3309% | 5,291 |
| Return on assets (ROA) | 0.5183% | 4,649 |
| Pretax return on assets | 0.7033% | 4,470 |
| Return on Equity (ROE) | 6.0794% | 3,987 |
| Retained earnings to average equity (ytd only) | 4.9535% | 3,205 |
| Net charge-offs to loans | 0.7950% | 1,971 |
| Credit loss provision to net charge-offs | 71.1977% | 4,440 |
| Earnings coverage of net charge-offs (x) | 1.5143% | 4,500 |
| Efficiency ratio | 78.7911% | 2,432 |
| Assets per employee ($millions) | 3.4293% | 5,168 |
| Cash dividends to net income (ytd only)* | 18.5182% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 6,416 |
| Loan loss allowance to noncurrent loans | 72.8988% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.4113% | 4,014 |
| Noncurrent loans to loans | 1.3190% | 4,335 |
| Net loans and leases to total assets | 69.9450% | 2,090 |
| Net loans and leases to deposits | 82.7930% | 2,208 |
| Net loans and leases to core deposits | 93.6163% | 1,825 |
| Total domestic deposits to total assets | 84.4818% | 4,021 |
| Equity capital to assets | 8.7961% | 5,985 |
| Core capital (leverage) ratio | 8.4023% | 5,850 |
| Tier 1 risk-based capital ratio | 12.7614% | 5,281 |
| Total risk-based capital ratio | 13.7926% | 5,445 |
| Memoranda: | ||
| Average total assets | $250,055,500 | 2,531 |
| Average earning assets | $228,653,500 | 2,532 |
| Average equity | $21,317,500 | 2,969 |
| Average total loans | $176,433,250 | 2,311 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2772% | 1,966 |
| Cost of funding earning assets | 1.3622% | 1,591 |
| Net interest margin | 3.9149% | 3,239 |
| Noninterest income to average assets | 0.4657% | 4,148 |
| Noninterest expense to average assets | 3.2285% | 2,809 |
| Loan and lease loss provision to assets | 0.3184% | 2,880 |
| Net operating income to assets | 0.3716% | 5,076 |
| Return on assets (ROA) | 0.5297% | 4,521 |
| Pretax return on assets | 0.7001% | 4,387 |
| Return on Equity (ROE) | 6.2798% | 3,806 |
| Retained earnings to average equity (ytd only) | 5.1415% | 2,916 |
| Net charge-offs to loans | 0.6681% | 2,165 |
| Credit loss provision to net charge-offs | 67.5722% | 4,129 |
| Earnings coverage of net charge-offs (x) | 1.7199% | 4,011 |
| Efficiency ratio | 79.9326% | 2,396 |
| Assets per employee ($millions) | 3.1676% | 5,704 |
| Cash dividends to net income (ytd only)* | 18.1269% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 6,204 |
| Loan loss allowance to noncurrent loans | 93.4502% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.4109% | 4,102 |
| Noncurrent loans to loans | 1.1075% | 4,816 |
| Net loans and leases to total assets | 70.1303% | 2,195 |
| Net loans and leases to deposits | 83.1209% | 2,253 |
| Net loans and leases to core deposits | 94.4586% | 1,852 |
| Total domestic deposits to total assets | 84.3714% | 4,182 |
| Equity capital to assets | 8.7314% | 5,898 |
| Core capital (leverage) ratio | 8.2298% | 5,979 |
| Tier 1 risk-based capital ratio | 12.7409% | 5,143 |
| Total risk-based capital ratio | 13.8515% | 5,225 |
| Memoranda: | ||
| Average total assets | $249,961,330 | 2,549 |
| Average earning assets | $228,152,330 | 2,551 |
| Average equity | $21,083,330 | 2,989 |
| Average total loans | $176,311,330 | 2,332 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2834% | 1,922 |
| Cost of funding earning assets | 1.3823% | 1,702 |
| Net interest margin | 3.9011% | 3,132 |
| Noninterest income to average assets | 0.5219% | 3,711 |
| Noninterest expense to average assets | 3.1169% | 3,189 |
| Loan and lease loss provision to assets | 0.2307% | 3,344 |
| Net operating income to assets | 0.5835% | 4,121 |
| Return on assets (ROA) | 0.5998% | 4,096 |
| Pretax return on assets | 0.7558% | 4,075 |
| Return on Equity (ROE) | 7.2366% | 3,278 |
| Retained earnings to average equity (ytd only) | 6.0849% | 2,592 |
| Net charge-offs to loans | 0.6489% | 1,905 |
| Credit loss provision to net charge-offs | 50.5226% | 3,737 |
| Earnings coverage of net charge-offs (x) | 2.1150% | 3,241 |
| Efficiency ratio | 76.3445% | 3,102 |
| Assets per employee ($millions) | 3.3407% | 5,390 |
| Cash dividends to net income (ytd only)* | 15.9151% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 6,106 |
| Loan loss allowance to noncurrent loans | 77.2841% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.4841% | 4,030 |
| Noncurrent loans to loans | 1.4037% | 4,370 |
| Net loans and leases to total assets | 66.8339% | 2,803 |
| Net loans and leases to deposits | 79.3374% | 2,837 |
| Net loans and leases to core deposits | 89.9461% | 2,354 |
| Total domestic deposits to total assets | 84.2401% | 4,395 |
| Equity capital to assets | 8.2854% | 6,179 |
| Core capital (leverage) ratio | 8.1809% | 5,995 |
| Tier 1 risk-based capital ratio | 12.5509% | 5,221 |
| Total risk-based capital ratio | 13.6868% | 5,301 |
| Memoranda: | ||
| Average total assets | $251,405,500 | 2,560 |
| Average earning assets | $229,472,500 | 2,550 |
| Average equity | $20,838,500 | 3,004 |
| Average total loans | $176,924,500 | 2,348 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6696% | 1,680 |
| Cost of funding earning assets | 1.6948% | 1,627 |
| Net interest margin | 3.9749% | 3,125 |
| Noninterest income to average assets | 0.4767% | 4,337 |
| Noninterest expense to average assets | 3.1442% | 3,300 |
| Loan and lease loss provision to assets | 0.3381% | 4,121 |
| Net operating income to assets | 0.4653% | 4,245 |
| Return on assets (ROA) | 0.5605% | 4,003 |
| Pretax return on assets | 0.7623% | 3,752 |
| Return on Equity (ROE) | 6.9468% | 3,149 |
| Retained earnings to average equity (ytd only) | 4.9037% | 2,474 |
| Net charge-offs to loans | 0.5235% | 3,529 |
| Credit loss provision to net charge-offs | 88.3697% | 5,194 |
| Earnings coverage of net charge-offs (x) | 2.5400% | 3,843 |
| Efficiency ratio | 76.3922% | 2,993 |
| Assets per employee ($millions) | 3.2327% | 5,586 |
| Cash dividends to net income (ytd only)* | 29.4118% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 5,953 |
| Loan loss allowance to noncurrent loans | 66.3465% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.5318% | 4,019 |
| Noncurrent loans to loans | 1.6560% | 4,021 |
| Net loans and leases to total assets | 72.4328% | 2,003 |
| Net loans and leases to deposits | 85.8689% | 2,128 |
| Net loans and leases to core deposits | 97.6923% | 1,824 |
| Total domestic deposits to total assets | 84.3527% | 4,198 |
| Equity capital to assets | 8.2923% | 6,156 |
| Core capital (leverage) ratio | 7.9008% | 6,317 |
| Tier 1 risk-based capital ratio | 12.0050% | 5,467 |
| Total risk-based capital ratio | 13.1928% | 5,507 |
| Memoranda: | ||
| Average total assets | $251,733,600 | 2,531 |
| Average earning assets | $230,473,800 | 2,521 |
| Average equity | $20,311,400 | 3,105 |
| Average total loans | $183,960,800 | 2,310 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6573% | 1,863 |
| Cost of funding earning assets | 1.7414% | 1,666 |
| Net interest margin | 3.9159% | 3,462 |
| Noninterest income to average assets | 0.4616% | 4,476 |
| Noninterest expense to average assets | 3.1331% | 3,179 |
| Loan and lease loss provision to assets | 0.3148% | 4,060 |
| Net operating income to assets | 0.4390% | 4,593 |
| Return on assets (ROA) | 0.5234% | 4,386 |
| Pretax return on assets | 0.7162% | 4,181 |
| Return on Equity (ROE) | 6.5317% | 3,558 |
| Retained earnings to average equity (ytd only) | 4.1919% | 3,535 |
| Net charge-offs to loans | 0.5771% | 3,014 |
| Credit loss provision to net charge-offs | 74.6867% | 5,295 |
| Earnings coverage of net charge-offs (x) | 2.1717% | 4,096 |
| Efficiency ratio | 77.3907% | 2,709 |
| Assets per employee ($millions) | 3.4142% | 5,171 |
| Cash dividends to net income (ytd only)* | 35.8223% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 6,232 |
| Loan loss allowance to noncurrent loans | 75.2853% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.4279% | 4,314 |
| Noncurrent loans to loans | 1.3768% | 4,559 |
| Net loans and leases to total assets | 70.3876% | 2,641 |
| Net loans and leases to deposits | 82.2529% | 3,055 |
| Net loans and leases to core deposits | 94.1153% | 2,513 |
| Total domestic deposits to total assets | 85.5746% | 3,310 |
| Equity capital to assets | 8.0084% | 6,800 |
| Core capital (leverage) ratio | 7.7473% | 6,626 |
| Tier 1 risk-based capital ratio | 11.5826% | 5,847 |
| Total risk-based capital ratio | 12.6970% | 5,961 |
| Memoranda: | ||
| Average total assets | $252,437,250 | 2,561 |
| Average earning assets | $231,225,000 | 2,550 |
| Average equity | $20,229,000 | 3,158 |
| Average total loans | $184,375,500 | 2,334 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6965% | 1,779 |
| Cost of funding earning assets | 1.7674% | 1,782 |
| Net interest margin | 3.9291% | 3,322 |
| Noninterest income to average assets | 0.4790% | 4,295 |
| Noninterest expense to average assets | 3.0837% | 3,380 |
| Loan and lease loss provision to assets | 0.3543% | 3,592 |
| Net operating income to assets | 0.4676% | 4,474 |
| Return on assets (ROA) | 0.5406% | 4,288 |
| Pretax return on assets | 0.7357% | 4,122 |
| Return on Equity (ROE) | 6.7447% | 3,424 |
| Retained earnings to average equity (ytd only) | 3.9012% | 3,605 |
| Net charge-offs to loans | 0.5860% | 2,773 |
| Credit loss provision to net charge-offs | 82.0370% | 4,654 |
| Earnings coverage of net charge-offs (x) | 2.2926% | 3,857 |
| Efficiency ratio | 75.6969% | 3,124 |
| Assets per employee ($millions) | 3.3970% | 5,190 |
| Cash dividends to net income (ytd only)* | 42.1598% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 5,999 |
| Loan loss allowance to noncurrent loans | 69.7305% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.8024% | 3,753 |
| Noncurrent loans to loans | 1.5606% | 4,373 |
| Net loans and leases to total assets | 71.9925% | 2,406 |
| Net loans and leases to deposits | 84.1978% | 2,840 |
| Net loans and leases to core deposits | 97.7104% | 2,262 |
| Total domestic deposits to total assets | 85.5041% | 3,370 |
| Equity capital to assets | 7.9674% | 6,791 |
| Core capital (leverage) ratio | 7.8221% | 6,472 |
| Tier 1 risk-based capital ratio | 11.5359% | 5,731 |
| Total risk-based capital ratio | 12.7213% | 5,773 |
| Memoranda: | ||
| Average total assets | $250,090,000 | 2,603 |
| Average earning assets | $228,807,000 | 2,593 |
| Average equity | $20,045,330 | 3,165 |
| Average total loans | $184,316,000 | 2,374 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6795% | 1,854 |
| Cost of funding earning assets | 1.7843% | 1,939 |
| Net interest margin | 3.8952% | 3,353 |
| Noninterest income to average assets | 0.5441% | 3,691 |
| Noninterest expense to average assets | 3.1371% | 3,118 |
| Loan and lease loss provision to assets | 0.3681% | 3,160 |
| Net operating income to assets | 0.4545% | 4,596 |
| Return on assets (ROA) | 0.5489% | 4,276 |
| Pretax return on assets | 0.7265% | 4,142 |
| Return on Equity (ROE) | 6.8278% | 3,435 |
| Retained earnings to average equity (ytd only) | 2.3094% | 4,748 |
| Net charge-offs to loans | 0.9077% | 1,763 |
| Credit loss provision to net charge-offs | 54.6763% | 4,406 |
| Earnings coverage of net charge-offs (x) | 1.4412% | 3,880 |
| Efficiency ratio | 76.3758% | 3,155 |
| Assets per employee ($millions) | 3.4094% | 5,263 |
| Cash dividends to net income (ytd only)* | 66.1765% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 6,256 |
| Loan loss allowance to noncurrent loans | 53.7688% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.9567% | 3,554 |
| Noncurrent loans to loans | 1.9438% | 3,866 |
| Net loans and leases to total assets | 73.2667% | 2,134 |
| Net loans and leases to deposits | 86.2788% | 2,534 |
| Net loans and leases to core deposits | 98.5926% | 2,282 |
| Total domestic deposits to total assets | 84.9185% | 3,716 |
| Equity capital to assets | 8.0140% | 6,639 |
| Core capital (leverage) ratio | 7.9022% | 6,383 |
| Tier 1 risk-based capital ratio | 11.5100% | 5,662 |
| Total risk-based capital ratio | 12.6551% | 5,735 |
| Memoranda: | ||
| Average total assets | $247,747,500 | 2,678 |
| Average earning assets | $226,639,500 | 2,668 |
| Average equity | $19,918,500 | 3,211 |
| Average total loans | $183,755,500 | 2,439 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0660% | 1,618 |
| Cost of funding earning assets | 2.3842% | 1,351 |
| Net interest margin | 3.6817% | 4,209 |
| Noninterest income to average assets | 0.5488% | 4,032 |
| Noninterest expense to average assets | 2.9874% | 4,197 |
| Loan and lease loss provision to assets | 0.3559% | 4,668 |
| Net operating income to assets | 0.4510% | 3,922 |
| Return on assets (ROA) | 0.5464% | 3,632 |
| Pretax return on assets | 0.7226% | 3,499 |
| Return on Equity (ROE) | 6.9456% | 2,808 |
| Retained earnings to average equity (ytd only) | 2.9940% | 3,071 |
| Net charge-offs to loans | 0.4810% | 3,850 |
| Credit loss provision to net charge-offs | 101.2472% | 5,450 |
| Earnings coverage of net charge-offs (x) | 2.7109% | 3,746 |
| Efficiency ratio | 75.8167% | 3,559 |
| Assets per employee ($millions) | 3.4251% | 5,195 |
| Cash dividends to net income (ytd only)* | 56.8928% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 5,623 |
| Loan loss allowance to noncurrent loans | 112.8602% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.1589% | 4,776 |
| Noncurrent loans to loans | 1.0227% | 5,267 |
| Net loans and leases to total assets | 73.4440% | 2,394 |
| Net loans and leases to deposits | 87.3220% | 2,676 |
| Net loans and leases to core deposits | 106.4686% | 3,281 |
| Total domestic deposits to total assets | 84.1071% | 3,980 |
| Equity capital to assets | 8.0659% | 6,508 |
| Core capital (leverage) ratio | 7.6784% | 6,576 |
| Tier 1 risk-based capital ratio | 11.4099% | 5,497 |
| Total risk-based capital ratio | 12.6639% | 5,454 |
| Memoranda: | ||
| Average total assets | $250,916,600 | 2,597 |
| Average earning assets | $231,142,400 | 2,587 |
| Average equity | $19,739,200 | 3,241 |
| Average total loans | $183,382,200 | 2,474 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0724% | 1,753 |
| Cost of funding earning assets | 2.4867% | 1,348 |
| Net interest margin | 3.5857% | 4,535 |
| Noninterest income to average assets | 0.5936% | 3,761 |
| Noninterest expense to average assets | 2.9730% | 4,154 |
| Loan and lease loss provision to assets | 0.2767% | 4,763 |
| Net operating income to assets | 0.4897% | 4,024 |
| Return on assets (ROA) | 0.5968% | 3,669 |
| Pretax return on assets | 0.7979% | 3,549 |
| Return on Equity (ROE) | 7.6338% | 2,803 |
| Retained earnings to average equity (ytd only) | 4.3177% | 2,856 |
| Net charge-offs to loans | 0.5328% | 3,086 |
| Credit loss provision to net charge-offs | 71.3506% | 5,958 |
| Earnings coverage of net charge-offs (x) | 2.4025% | 4,030 |
| Efficiency ratio | 76.1382% | 3,486 |
| Assets per employee ($millions) | 3.5538% | 4,799 |
| Cash dividends to net income (ytd only)* | 43.4400% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 6,133 |
| Loan loss allowance to noncurrent loans | 135.7706% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.8961% | 5,286 |
| Noncurrent loans to loans | 0.7548% | 5,796 |
| Net loans and leases to total assets | 72.4915% | 2,917 |
| Net loans and leases to deposits | 89.6118% | 2,649 |
| Net loans and leases to core deposits | 109.5800% | 3,283 |
| Total domestic deposits to total assets | 80.8950% | 5,124 |
| Equity capital to assets | 7.9803% | 6,863 |
| Core capital (leverage) ratio | 7.4984% | 6,973 |
| Tier 1 risk-based capital ratio | 11.0080% | 5,946 |
| Total risk-based capital ratio | 12.0887% | 6,076 |
| Memoranda: | ||
| Average total assets | $251,994,000 | 2,606 |
| Average earning assets | $232,698,250 | 2,588 |
| Average equity | $19,701,250 | 3,288 |
| Average total loans | $183,419,500 | 2,496 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0846% | 1,838 |
| Cost of funding earning assets | 2.5472% | 1,459 |
| Net interest margin | 3.5374% | 4,628 |
| Noninterest income to average assets | 0.6630% | 3,246 |
| Noninterest expense to average assets | 2.9434% | 4,319 |
| Loan and lease loss provision to assets | 0.1509% | 5,563 |
| Net operating income to assets | 0.6162% | 3,610 |
| Return on assets (ROA) | 0.6185% | 3,714 |
| Pretax return on assets | 0.8369% | 3,549 |
| Return on Equity (ROE) | 7.9667% | 2,787 |
| Retained earnings to average equity (ytd only) | 4.4896% | 2,797 |
| Net charge-offs to loans | 0.3214% | 3,572 |
| Credit loss provision to net charge-offs | 64.6259% | 5,517 |
| Earnings coverage of net charge-offs (x) | 4.2177% | 3,171 |
| Efficiency ratio | 74.9343% | 3,889 |
| Assets per employee ($millions) | 3.2763% | 5,377 |
| Cash dividends to net income (ytd only)* | 43.6457% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,668 |
| Loan loss allowance to noncurrent loans | 124.0695% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 1.0132% | 4,942 |
| Noncurrent loans to loans | 0.8790% | 5,456 |
| Net loans and leases to total assets | 72.8467% | 2,990 |
| Net loans and leases to deposits | 87.3263% | 3,297 |
| Net loans and leases to core deposits | 107.7068% | 3,640 |
| Total domestic deposits to total assets | 83.4189% | 4,053 |
| Equity capital to assets | 7.9257% | 6,837 |
| Core capital (leverage) ratio | 7.5442% | 6,967 |
| Tier 1 risk-based capital ratio | 10.9378% | 5,942 |
| Total risk-based capital ratio | 12.0836% | 5,980 |
| Memoranda: | ||
| Average total assets | $251,884,670 | 2,612 |
| Average earning assets | $232,488,000 | 2,597 |
| Average equity | $19,556,330 | 3,315 |
| Average total loans | $182,957,330 | 2,534 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0232% | 2,266 |
| Cost of funding earning assets | 2.6316% | 1,479 |
| Net interest margin | 3.3915% | 5,172 |
| Noninterest income to average assets | 0.6395% | 3,277 |
| Noninterest expense to average assets | 2.7664% | 4,711 |
| Loan and lease loss provision to assets | 0.1484% | 5,037 |
| Net operating income to assets | 0.6113% | 3,968 |
| Return on assets (ROA) | 0.6158% | 4,145 |
| Pretax return on assets | 0.8669% | 3,840 |
| Return on Equity (ROE) | 8.0136% | 3,147 |
| Retained earnings to average equity (ytd only) | 4.7259% | 3,283 |
| Net charge-offs to loans | 0.2014% | 3,429 |
| Credit loss provision to net charge-offs | 102.1739% | 3,669 |
| Earnings coverage of net charge-offs (x) | 6.9457% | 2,411 |
| Efficiency ratio | 73.2748% | 3,955 |
| Assets per employee ($millions) | 3.6344% | 4,496 |
| Cash dividends to net income (ytd only)* | 41.0256% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 5,110 |
| Loan loss allowance to noncurrent loans | 193.2110% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.8498% | 5,070 |
| Noncurrent loans to loans | 0.5959% | 5,906 |
| Net loans and leases to total assets | 71.0707% | 3,450 |
| Net loans and leases to deposits | 84.3417% | 3,925 |
| Net loans and leases to core deposits | 103.0667% | 4,234 |
| Total domestic deposits to total assets | 84.2652% | 3,575 |
| Equity capital to assets | 7.6903% | 7,189 |
| Core capital (leverage) ratio | 7.4864% | 7,174 |
| Tier 1 risk-based capital ratio | 10.8285% | 6,066 |
| Total risk-based capital ratio | 12.0363% | 6,012 |
| Memoranda: | ||
| Average total assets | $253,326,500 | 2,607 |
| Average earning assets | $234,229,500 | 2,594 |
| Average equity | $19,467,000 | 3,349 |
| Average total loans | $182,741,500 | 2,556 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4646% | 3,140 |
| Cost of funding earning assets | 3.1695% | 1,287 |
| Net interest margin | 3.2951% | 6,054 |
| Noninterest income to average assets | 0.7050% | 3,094 |
| Noninterest expense to average assets | 2.7189% | 5,178 |
| Loan and lease loss provision to assets | 0.2168% | 4,716 |
| Net operating income to assets | 0.6778% | 3,994 |
| Return on assets (ROA) | 0.7126% | 3,669 |
| Pretax return on assets | 0.8517% | 3,887 |
| Return on Equity (ROE) | 9.5843% | 2,407 |
| Retained earnings to average equity (ytd only) | 6.8130% | 1,215 |
| Net charge-offs to loans | 0.2886% | 3,479 |
| Credit loss provision to net charge-offs | 103.8168% | 5,150 |
| Earnings coverage of net charge-offs (x) | 4.9179% | 3,813 |
| Efficiency ratio | 72.5822% | 3,830 |
| Assets per employee ($millions) | 3.6035% | 4,404 |
| Cash dividends to net income (ytd only)* | 28.9150% | 4,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 4,902 |
| Loan loss allowance to noncurrent loans | 148.9030% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.9852% | 4,368 |
| Noncurrent loans to loans | 0.7740% | 5,093 |
| Net loans and leases to total assets | 71.5429% | 3,681 |
| Net loans and leases to deposits | 85.3583% | 4,203 |
| Net loans and leases to core deposits | 106.2648% | 4,164 |
| Total domestic deposits to total assets | 83.8148% | 3,422 |
| Equity capital to assets | 7.6787% | 7,227 |
| Core capital (leverage) ratio | 7.5343% | 7,161 |
| Tier 1 risk-based capital ratio | 10.8247% | 5,883 |
| Total risk-based capital ratio | 12.0458% | 5,819 |
| Memoranda: | ||
| Average total assets | $250,909,400 | 2,554 |
| Average earning assets | $231,554,000 | 2,539 |
| Average equity | $18,655,600 | 3,452 |
| Average total loans | $181,566,200 | 2,483 |