Home > The Grant County Bank > Performance and Condition Ratios
The Grant County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0012% | 2,066 |
| Cost of funding earning assets | 1.1507% | 2,935 |
| Net interest margin | 3.8504% | 1,473 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.7901% | 1,530 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 0.8930% | 2,571 |
| Return on assets (ROA) | 0.7631% | 2,979 |
| Pretax return on assets | 0.9094% | 2,938 |
| Return on Equity (ROE) | 7.4300% | 3,177 |
| Retained earnings to average equity (ytd only) | 2.4907% | 3,448 |
| Net charge-offs to loans | 0.1242% | 787 |
| Credit loss provision to net charge-offs | 240.2685% | 1,099 |
| Earnings coverage of net charge-offs (x) | 14.0872% | 2,088 |
| Efficiency ratio | 68.3598% | 2,067 |
| Assets per employee ($millions) | 4.3823% | 4,002 |
| Cash dividends to net income (ytd only)* | 66.4798% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 2,626 |
| Loan loss allowance to noncurrent loans | 73.2295% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.1801% | 375 |
| Noncurrent loans to loans | 1.5497% | 435 |
| Net loans and leases to total assets | 75.2900% | 1,208 |
| Net loans and leases to deposits | 89.2694% | 1,322 |
| Net loans and leases to core deposits | 92.4454% | 1,873 |
| Total domestic deposits to total assets | 84.3400% | 2,524 |
| Equity capital to assets | 10.0926% | 1,957 |
| Core capital (leverage) ratio | 11.6914% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $327,231,600 | 2,282 |
| Average earning assets | $301,370,400 | 2,300 |
| Average equity | $33,604,400 | 2,114 |
| Average total loans | $239,870,400 | 2,060 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 2,169 |
| Cost of funding earning assets | 1.0009% | 3,038 |
| Net interest margin | 3.8469% | 1,500 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.8087% | 1,419 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.9192% | 2,621 |
| Return on assets (ROA) | 0.6989% | 3,308 |
| Pretax return on assets | 0.8390% | 3,245 |
| Return on Equity (ROE) | 6.8100% | 3,480 |
| Retained earnings to average equity (ytd only) | 1.7486% | 3,780 |
| Net charge-offs to loans | 0.1392% | 588 |
| Credit loss provision to net charge-offs | 164.2276% | 1,258 |
| Earnings coverage of net charge-offs (x) | 12.5691% | 2,064 |
| Efficiency ratio | 68.7047% | 1,937 |
| Assets per employee ($millions) | 4.3254% | 4,035 |
| Cash dividends to net income (ytd only)* | 74.3092% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,026 |
| Loan loss allowance to noncurrent loans | 63.8769% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.2484% | 347 |
| Noncurrent loans to loans | 1.6729% | 407 |
| Net loans and leases to total assets | 73.8300% | 1,357 |
| Net loans and leases to deposits | 87.3495% | 1,438 |
| Net loans and leases to core deposits | 90.7121% | 1,875 |
| Total domestic deposits to total assets | 84.5200% | 2,640 |
| Equity capital to assets | 9.7565% | 1,954 |
| Core capital (leverage) ratio | 11.7496% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $324,510,250 | 2,293 |
| Average earning assets | $299,071,000 | 2,315 |
| Average equity | $33,321,250 | 2,112 |
| Average total loans | $235,598,750 | 2,077 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 2,242 |
| Cost of funding earning assets | 0.7990% | 3,204 |
| Net interest margin | 3.8866% | 1,453 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.8179% | 1,382 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.0258% | 2,335 |
| Return on assets (ROA) | 0.7020% | 3,344 |
| Pretax return on assets | 0.8388% | 3,304 |
| Return on Equity (ROE) | 6.7200% | 3,536 |
| Retained earnings to average equity (ytd only) | 1.5716% | 3,813 |
| Net charge-offs to loans | 0.1902% | 420 |
| Credit loss provision to net charge-offs | 65.0000% | 1,611 |
| Earnings coverage of net charge-offs (x) | 9.6000% | 2,020 |
| Efficiency ratio | 68.0464% | 1,982 |
| Assets per employee ($millions) | 4.2416% | 4,088 |
| Cash dividends to net income (ytd only)* | 76.6165% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 3,365 |
| Loan loss allowance to noncurrent loans | 61.8865% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.2057% | 336 |
| Noncurrent loans to loans | 1.6400% | 390 |
| Net loans and leases to total assets | 72.2900% | 1,494 |
| Net loans and leases to deposits | 84.1295% | 1,658 |
| Net loans and leases to core deposits | 87.2046% | 1,992 |
| Total domestic deposits to total assets | 85.9300% | 2,250 |
| Equity capital to assets | 10.0598% | 1,819 |
| Core capital (leverage) ratio | 11.8934% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $321,660,667 | 2,318 |
| Average earning assets | $296,866,000 | 2,333 |
| Average equity | $33,596,667 | 2,117 |
| Average total loans | $231,284,000 | 2,091 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4849% | 2,354 |
| Cost of funding earning assets | 0.6653% | 3,173 |
| Net interest margin | 3.8196% | 1,648 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.7645% | 1,521 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.1127% | 2,184 |
| Return on assets (ROA) | 0.6003% | 3,654 |
| Pretax return on assets | 0.6905% | 3,682 |
| Return on Equity (ROE) | 5.6400% | 3,783 |
| Retained earnings to average equity (ytd only) | 0.8714% | 3,887 |
| Net charge-offs to loans | 0.0439% | 920 |
| Credit loss provision to net charge-offs | 212.0000% | 802 |
| Earnings coverage of net charge-offs (x) | 42.9600% | 1,160 |
| Efficiency ratio | 67.0732% | 2,078 |
| Assets per employee ($millions) | 3.8754% | 4,304 |
| Cash dividends to net income (ytd only)* | 84.5511% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,013 |
| Loan loss allowance to noncurrent loans | 53.1119% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.5424% | 204 |
| Noncurrent loans to loans | 2.0866% | 262 |
| Net loans and leases to total assets | 72.7000% | 1,353 |
| Net loans and leases to deposits | 82.7389% | 1,594 |
| Net loans and leases to core deposits | 86.4205% | 1,839 |
| Total domestic deposits to total assets | 87.8700% | 1,967 |
| Equity capital to assets | 10.8008% | 1,417 |
| Core capital (leverage) ratio | 12.1037% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $319,188,000 | 2,364 |
| Average earning assets | $295,214,000 | 2,372 |
| Average equity | $33,967,000 | 2,124 |
| Average total loans | $227,657,000 | 2,126 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 1,272 |
| Cost of funding earning assets | 0.3725% | 2,308 |
| Net interest margin | 3.8157% | 1,129 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.9848% | 988 |
| Loan and lease loss provision to assets | -0.2900% | 4,660 |
| Net operating income to assets | 1.0508% | 2,373 |
| Return on assets (ROA) | 0.8094% | 3,222 |
| Pretax return on assets | 1.0489% | 2,919 |
| Return on Equity (ROE) | 7.5000% | 3,524 |
| Retained earnings to average equity (ytd only) | 2.1924% | 3,939 |
| Net charge-offs to loans | 0.0232% | 1,597 |
| Credit loss provision to net charge-offs | -1,894.0000% | 4,683 |
| Earnings coverage of net charge-offs (x) | 68.0400% | 1,175 |
| Efficiency ratio | 73.5946% | 1,262 |
| Assets per employee ($millions) | 4.1563% | 4,221 |
| Cash dividends to net income (ytd only)* | 70.7580% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6746% | 4,242 |
| Loan loss allowance to noncurrent loans | 41.2144% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.1415% | 340 |
| Noncurrent loans to loans | 1.6369% | 386 |
| Net loans and leases to total assets | 68.7800% | 1,761 |
| Net loans and leases to deposits | 81.4156% | 1,663 |
| Net loans and leases to core deposits | 84.9553% | 1,822 |
| Total domestic deposits to total assets | 84.4800% | 3,108 |
| Equity capital to assets | 10.4914% | 1,454 |
| Core capital (leverage) ratio | 12.0856% | 1,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $321,089,000 | 2,347 |
| Average earning assets | $297,168,200 | 2,352 |
| Average equity | $34,665,400 | 2,123 |
| Average total loans | $215,233,000 | 2,132 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0791% | 1,101 |
| Cost of funding earning assets | 0.3069% | 2,094 |
| Net interest margin | 3.7723% | 994 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.9550% | 964 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8064% | 3,236 |
| Return on assets (ROA) | 0.8064% | 3,197 |
| Pretax return on assets | 1.0365% | 2,912 |
| Return on Equity (ROE) | 7.4200% | 3,483 |
| Retained earnings to average equity (ytd only) | 2.0929% | 4,007 |
| Net charge-offs to loans | 0.0396% | 1,100 |
| Credit loss provision to net charge-offs | 38.0952% | 1,571 |
| Earnings coverage of net charge-offs (x) | 39.7778% | 1,392 |
| Efficiency ratio | 73.6589% | 1,315 |
| Assets per employee ($millions) | 4.1194% | 4,265 |
| Cash dividends to net income (ytd only)* | 71.7763% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 2,898 |
| Loan loss allowance to noncurrent loans | 93.9691% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 598 |
| Noncurrent loans to loans | 1.1981% | 615 |
| Net loans and leases to total assets | 69.0200% | 1,568 |
| Net loans and leases to deposits | 79.0167% | 1,632 |
| Net loans and leases to core deposits | 82.5067% | 1,733 |
| Total domestic deposits to total assets | 87.3500% | 2,644 |
| Equity capital to assets | 10.3612% | 1,441 |
| Core capital (leverage) ratio | 12.0622% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $319,275,250 | 2,372 |
| Average earning assets | $295,448,250 | 2,379 |
| Average equity | $34,719,750 | 2,154 |
| Average total loans | $212,196,250 | 2,153 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 939 |
| Cost of funding earning assets | 0.3018% | 1,696 |
| Net interest margin | 3.6964% | 917 |
| Noninterest income to average assets | 0.5013% | 2,197 |
| Noninterest expense to average assets | 2.9134% | 970 |
| Loan and lease loss provision to assets | 0.0081% | 2,446 |
| Net operating income to assets | 0.7788% | 3,032 |
| Return on assets (ROA) | 0.7788% | 2,998 |
| Pretax return on assets | 1.0013% | 2,727 |
| Return on Equity (ROE) | 7.0519% | 3,301 |
| Retained earnings to average equity (ytd only) | 1.6413% | 3,841 |
| Net charge-offs to loans | 0.0258% | 1,198 |
| Credit loss provision to net charge-offs | 48.1481% | 1,506 |
| Earnings coverage of net charge-offs (x) | 59.8148% | 1,081 |
| Efficiency ratio | 74.0918% | 1,497 |
| Assets per employee ($millions) | 4.1418% | 4,292 |
| Cash dividends to net income (ytd only)* | 76.7255% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 2,804 |
| Loan loss allowance to noncurrent loans | 96.2892% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 628 |
| Noncurrent loans to loans | 1.2239% | 651 |
| Net loans and leases to total assets | 65.3344% | 1,775 |
| Net loans and leases to deposits | 74.6414% | 1,792 |
| Net loans and leases to core deposits | 77.8717% | 1,859 |
| Total domestic deposits to total assets | 87.5310% | 2,756 |
| Equity capital to assets | 10.3557% | 1,503 |
| Core capital (leverage) ratio | 11.8575% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,969,000 | 2,385 |
| Average earning assets | $296,178,000 | 2,403 |
| Average equity | $35,338,000 | 2,186 |
| Average total loans | $209,118,000 | 2,174 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9355% | 869 |
| Cost of funding earning assets | 0.3078% | 1,579 |
| Net interest margin | 3.6277% | 856 |
| Noninterest income to average assets | 0.4811% | 2,230 |
| Noninterest expense to average assets | 2.8942% | 971 |
| Loan and lease loss provision to assets | 0.0151% | 2,080 |
| Net operating income to assets | 0.7336% | 2,910 |
| Return on assets (ROA) | 0.7336% | 2,904 |
| Pretax return on assets | 0.9321% | 2,657 |
| Return on Equity (ROE) | 6.4389% | 3,204 |
| Retained earnings to average equity (ytd only) | 1.3451% | 3,736 |
| Net charge-offs to loans | 0.0812% | 596 |
| Credit loss provision to net charge-offs | 28.5714% | 1,266 |
| Earnings coverage of net charge-offs (x) | 17.9524% | 1,315 |
| Efficiency ratio | 75.1799% | 1,613 |
| Assets per employee ($millions) | 4.0730% | 4,374 |
| Cash dividends to net income (ytd only)* | 79.1096% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,830 |
| Loan loss allowance to noncurrent loans | 99.6018% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 683 |
| Noncurrent loans to loans | 1.2108% | 728 |
| Net loans and leases to total assets | 64.4925% | 1,554 |
| Net loans and leases to deposits | 74.3848% | 1,568 |
| Net loans and leases to core deposits | 77.8991% | 1,622 |
| Total domestic deposits to total assets | 86.7012% | 3,038 |
| Equity capital to assets | 11.1054% | 1,286 |
| Core capital (leverage) ratio | 12.1162% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,424,500 | 2,407 |
| Average earning assets | $294,953,500 | 2,421 |
| Average equity | $36,279,500 | 2,204 |
| Average total loans | $206,884,500 | 2,184 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 773 |
| Cost of funding earning assets | 0.4218% | 1,378 |
| Net interest margin | 3.9370% | 804 |
| Noninterest income to average assets | 0.5487% | 2,370 |
| Noninterest expense to average assets | 2.9085% | 1,130 |
| Loan and lease loss provision to assets | 0.0045% | 2,986 |
| Net operating income to assets | 0.9961% | 2,688 |
| Return on assets (ROA) | 0.9869% | 2,793 |
| Pretax return on assets | 1.2740% | 2,443 |
| Return on Equity (ROE) | 8.5795% | 3,055 |
| Retained earnings to average equity (ytd only) | 3.8097% | 3,289 |
| Net charge-offs to loans | -0.0425% | 4,248 |
| Credit loss provision to net charge-offs | -15.7303% | 3,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1367% | 1,843 |
| Assets per employee ($millions) | 4.0918% | 4,389 |
| Cash dividends to net income (ytd only)* | 55.5953% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 2,754 |
| Loan loss allowance to noncurrent loans | 90.5870% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.8754% | 670 |
| Noncurrent loans to loans | 1.3538% | 692 |
| Net loans and leases to total assets | 63.8712% | 1,717 |
| Net loans and leases to deposits | 74.2280% | 1,708 |
| Net loans and leases to core deposits | 77.9997% | 1,760 |
| Total domestic deposits to total assets | 86.0473% | 2,886 |
| Equity capital to assets | 11.6801% | 1,406 |
| Core capital (leverage) ratio | 12.0023% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,467,800 | 2,387 |
| Average earning assets | $288,747,600 | 2,385 |
| Average equity | $35,829,400 | 2,249 |
| Average total loans | $209,587,800 | 2,177 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4617% | 720 |
| Cost of funding earning assets | 0.4444% | 1,391 |
| Net interest margin | 4.0173% | 771 |
| Noninterest income to average assets | 0.5599% | 2,373 |
| Noninterest expense to average assets | 2.9147% | 1,104 |
| Loan and lease loss provision to assets | 0.0039% | 2,895 |
| Net operating income to assets | 1.0614% | 2,686 |
| Return on assets (ROA) | 1.0712% | 2,711 |
| Pretax return on assets | 1.3762% | 2,418 |
| Return on Equity (ROE) | 9.3492% | 2,986 |
| Retained earnings to average equity (ytd only) | 4.5825% | 3,378 |
| Net charge-offs to loans | -0.0355% | 4,208 |
| Credit loss provision to net charge-offs | -16.0714% | 3,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9340% | 1,844 |
| Assets per employee ($millions) | 4.1226% | 4,376 |
| Cash dividends to net income (ytd only)* | 50.9851% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 3,013 |
| Loan loss allowance to noncurrent loans | 82.8790% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 697 |
| Noncurrent loans to loans | 1.4416% | 735 |
| Net loans and leases to total assets | 64.9450% | 1,663 |
| Net loans and leases to deposits | 75.3949% | 1,724 |
| Net loans and leases to core deposits | 79.7276% | 1,764 |
| Total domestic deposits to total assets | 86.1398% | 2,694 |
| Equity capital to assets | 11.3886% | 1,749 |
| Core capital (leverage) ratio | 11.9426% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,545,250 | 2,415 |
| Average earning assets | $286,820,750 | 2,416 |
| Average equity | $35,467,250 | 2,298 |
| Average total loans | $210,389,500 | 2,200 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 1,105 |
| Cost of funding earning assets | 0.4641% | 1,420 |
| Net interest margin | 3.7793% | 1,174 |
| Noninterest income to average assets | 0.6028% | 2,207 |
| Noninterest expense to average assets | 2.9011% | 1,142 |
| Loan and lease loss provision to assets | 0.0020% | 2,833 |
| Net operating income to assets | 0.9340% | 3,118 |
| Return on assets (ROA) | 0.9345% | 3,196 |
| Pretax return on assets | 1.1971% | 2,921 |
| Return on Equity (ROE) | 8.1387% | 3,374 |
| Retained earnings to average equity (ytd only) | 3.2918% | 3,743 |
| Net charge-offs to loans | -0.0654% | 4,468 |
| Credit loss provision to net charge-offs | -4.3478% | 2,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6565% | 1,567 |
| Assets per employee ($millions) | 4.1301% | 4,376 |
| Cash dividends to net income (ytd only)* | 59.5537% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 3,039 |
| Loan loss allowance to noncurrent loans | 72.4428% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.1040% | 663 |
| Noncurrent loans to loans | 1.6325% | 665 |
| Net loans and leases to total assets | 65.6854% | 1,729 |
| Net loans and leases to deposits | 76.1183% | 1,809 |
| Net loans and leases to core deposits | 81.0622% | 1,792 |
| Total domestic deposits to total assets | 86.2938% | 2,634 |
| Equity capital to assets | 11.1611% | 1,863 |
| Core capital (leverage) ratio | 11.8273% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,913,333 | 2,418 |
| Average earning assets | $283,967,333 | 2,426 |
| Average equity | $35,239,000 | 2,302 |
| Average total loans | $210,967,667 | 2,204 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2992% | 1,039 |
| Cost of funding earning assets | 0.4889% | 1,462 |
| Net interest margin | 3.8103% | 1,114 |
| Noninterest income to average assets | 0.5163% | 2,539 |
| Noninterest expense to average assets | 2.9586% | 1,052 |
| Loan and lease loss provision to assets | 0.0027% | 2,713 |
| Net operating income to assets | 0.8439% | 3,291 |
| Return on assets (ROA) | 0.8428% | 3,374 |
| Pretax return on assets | 1.0711% | 3,191 |
| Return on Equity (ROE) | 7.2341% | 3,542 |
| Retained earnings to average equity (ytd only) | 2.6658% | 3,880 |
| Net charge-offs to loans | -0.0133% | 3,800 |
| Credit loss provision to net charge-offs | -28.5714% | 2,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2478% | 1,376 |
| Assets per employee ($millions) | 3.9201% | 4,528 |
| Cash dividends to net income (ytd only)* | 63.1496% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 3,235 |
| Loan loss allowance to noncurrent loans | 75.0770% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.2393% | 593 |
| Noncurrent loans to loans | 1.5210% | 819 |
| Net loans and leases to total assets | 68.1261% | 1,519 |
| Net loans and leases to deposits | 79.4326% | 1,576 |
| Net loans and leases to core deposits | 84.7130% | 1,615 |
| Total domestic deposits to total assets | 85.7659% | 2,828 |
| Equity capital to assets | 11.3279% | 1,641 |
| Core capital (leverage) ratio | 12.3263% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,362,000 | 2,433 |
| Average earning assets | $278,194,000 | 2,442 |
| Average equity | $35,111,500 | 2,298 |
| Average total loans | $210,756,500 | 2,210 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7283% | 842 |
| Cost of funding earning assets | 0.6453% | 2,027 |
| Net interest margin | 4.0830% | 814 |
| Noninterest income to average assets | 0.4350% | 2,935 |
| Noninterest expense to average assets | 2.9632% | 1,523 |
| Loan and lease loss provision to assets | 0.2112% | 1,863 |
| Net operating income to assets | 0.8067% | 3,066 |
| Return on assets (ROA) | 0.8208% | 3,136 |
| Pretax return on assets | 1.0215% | 2,969 |
| Return on Equity (ROE) | 6.5736% | 3,380 |
| Retained earnings to average equity (ytd only) | 1.7200% | 3,940 |
| Net charge-offs to loans | 0.1208% | 1,285 |
| Credit loss provision to net charge-offs | 232.1429% | 2,008 |
| Earnings coverage of net charge-offs (x) | 13.3571% | 2,283 |
| Efficiency ratio | 70.8078% | 1,834 |
| Assets per employee ($millions) | 3.7569% | 4,531 |
| Cash dividends to net income (ytd only)* | 73.8347% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 3,124 |
| Loan loss allowance to noncurrent loans | 63.0322% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.6128% | 428 |
| Noncurrent loans to loans | 1.8510% | 657 |
| Net loans and leases to total assets | 70.1858% | 1,535 |
| Net loans and leases to deposits | 82.8543% | 1,564 |
| Net loans and leases to core deposits | 89.0516% | 1,603 |
| Total domestic deposits to total assets | 84.7098% | 2,873 |
| Equity capital to assets | 11.9923% | 1,570 |
| Core capital (leverage) ratio | 12.6419% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,034,400 | 2,419 |
| Average earning assets | $253,980,800 | 2,446 |
| Average equity | $34,592,800 | 2,249 |
| Average total loans | $208,593,600 | 2,171 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 925 |
| Cost of funding earning assets | 0.6738% | 2,177 |
| Net interest margin | 4.0975% | 901 |
| Noninterest income to average assets | 0.4068% | 3,045 |
| Noninterest expense to average assets | 3.0228% | 1,395 |
| Loan and lease loss provision to assets | 0.1919% | 2,072 |
| Net operating income to assets | 0.7603% | 3,248 |
| Return on assets (ROA) | 0.7760% | 3,296 |
| Pretax return on assets | 0.9654% | 3,177 |
| Return on Equity (ROE) | 6.1488% | 3,504 |
| Retained earnings to average equity (ytd only) | 1.2035% | 4,178 |
| Net charge-offs to loans | 0.1482% | 992 |
| Credit loss provision to net charge-offs | 169.3966% | 2,234 |
| Earnings coverage of net charge-offs (x) | 10.0431% | 2,381 |
| Efficiency ratio | 72.5469% | 1,575 |
| Assets per employee ($millions) | 3.8133% | 4,469 |
| Cash dividends to net income (ytd only)* | 80.4279% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 3,411 |
| Loan loss allowance to noncurrent loans | 62.1145% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.6679% | 477 |
| Noncurrent loans to loans | 1.7061% | 801 |
| Net loans and leases to total assets | 73.6494% | 1,416 |
| Net loans and leases to deposits | 87.2168% | 1,568 |
| Net loans and leases to core deposits | 94.1604% | 1,628 |
| Total domestic deposits to total assets | 84.4441% | 2,659 |
| Equity capital to assets | 12.1744% | 1,586 |
| Core capital (leverage) ratio | 12.7993% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,033,500 | 2,413 |
| Average earning assets | $250,133,000 | 2,449 |
| Average equity | $34,455,500 | 2,247 |
| Average total loans | $208,717,250 | 2,171 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8958% | 982 |
| Cost of funding earning assets | 0.7083% | 2,335 |
| Net interest margin | 4.1875% | 952 |
| Noninterest income to average assets | 0.3841% | 3,178 |
| Noninterest expense to average assets | 3.0843% | 1,386 |
| Loan and lease loss provision to assets | 0.1570% | 2,425 |
| Net operating income to assets | 0.7842% | 3,090 |
| Return on assets (ROA) | 0.7979% | 3,166 |
| Pretax return on assets | 0.9921% | 3,057 |
| Return on Equity (ROE) | 6.2444% | 3,420 |
| Retained earnings to average equity (ytd only) | 1.1359% | 4,064 |
| Net charge-offs to loans | 0.2537% | 623 |
| Credit loss provision to net charge-offs | 80.2281% | 2,505 |
| Earnings coverage of net charge-offs (x) | 5.7833% | 2,491 |
| Efficiency ratio | 73.0450% | 1,564 |
| Assets per employee ($millions) | 3.7868% | 4,479 |
| Cash dividends to net income (ytd only)* | 81.8097% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 3,737 |
| Loan loss allowance to noncurrent loans | 61.4806% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.5937% | 562 |
| Noncurrent loans to loans | 1.5697% | 950 |
| Net loans and leases to total assets | 74.8175% | 1,300 |
| Net loans and leases to deposits | 89.0373% | 1,444 |
| Net loans and leases to core deposits | 96.9346% | 1,508 |
| Total domestic deposits to total assets | 84.0293% | 2,738 |
| Equity capital to assets | 12.3679% | 1,443 |
| Core capital (leverage) ratio | 13.1573% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,713,333 | 2,419 |
| Average earning assets | $245,924,333 | 2,449 |
| Average equity | $34,334,667 | 2,246 |
| Average total loans | $207,326,667 | 2,165 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 867 |
| Cost of funding earning assets | 0.7639% | 2,589 |
| Net interest margin | 4.2940% | 768 |
| Noninterest income to average assets | 0.4351% | 2,882 |
| Noninterest expense to average assets | 3.1868% | 1,451 |
| Loan and lease loss provision to assets | 0.0913% | 2,546 |
| Net operating income to assets | 0.8674% | 2,627 |
| Return on assets (ROA) | 0.8868% | 2,660 |
| Pretax return on assets | 1.1059% | 2,499 |
| Return on Equity (ROE) | 6.8241% | 3,017 |
| Retained earnings to average equity (ytd only) | 1.5685% | 3,580 |
| Net charge-offs to loans | 0.3315% | 440 |
| Credit loss provision to net charge-offs | 35.2941% | 2,122 |
| Earnings coverage of net charge-offs (x) | 4.5353% | 2,130 |
| Efficiency ratio | 72.9937% | 1,938 |
| Assets per employee ($millions) | 3.5886% | 4,403 |
| Cash dividends to net income (ytd only)* | 77.0154% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 3,784 |
| Loan loss allowance to noncurrent loans | 45.8093% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.9627% | 438 |
| Noncurrent loans to loans | 2.1507% | 629 |
| Net loans and leases to total assets | 75.0833% | 1,446 |
| Net loans and leases to deposits | 90.4361% | 1,459 |
| Net loans and leases to core deposits | 99.5025% | 1,510 |
| Total domestic deposits to total assets | 83.0236% | 3,104 |
| Equity capital to assets | 12.9087% | 1,481 |
| Core capital (leverage) ratio | 13.6630% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,957,000 | 2,409 |
| Average earning assets | $240,335,000 | 2,445 |
| Average equity | $34,173,000 | 2,238 |
| Average total loans | $205,139,500 | 2,148 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 925 |
| Cost of funding earning assets | 0.7562% | 2,884 |
| Net interest margin | 4.4775% | 750 |
| Noninterest income to average assets | 0.4827% | 2,844 |
| Noninterest expense to average assets | 3.1715% | 1,588 |
| Loan and lease loss provision to assets | 0.0891% | 2,240 |
| Net operating income to assets | 1.0363% | 2,709 |
| Return on assets (ROA) | 1.0363% | 2,800 |
| Pretax return on assets | 1.3134% | 2,460 |
| Return on Equity (ROE) | 7.9923% | 3,162 |
| Retained earnings to average equity (ytd only) | 2.3120% | 3,869 |
| Net charge-offs to loans | 0.0931% | 1,799 |
| Credit loss provision to net charge-offs | 118.4615% | 2,138 |
| Earnings coverage of net charge-offs (x) | 18.6410% | 2,047 |
| Efficiency ratio | 69.2366% | 2,287 |
| Assets per employee ($millions) | 3.5665% | 4,412 |
| Cash dividends to net income (ytd only)* | 71.0722% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 3,492 |
| Loan loss allowance to noncurrent loans | 42.5467% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 2.1954% | 338 |
| Noncurrent loans to loans | 2.3570% | 494 |
| Net loans and leases to total assets | 79.4336% | 865 |
| Net loans and leases to deposits | 95.7201% | 968 |
| Net loans and leases to core deposits | 104.3014% | 1,211 |
| Total domestic deposits to total assets | 82.9853% | 3,196 |
| Equity capital to assets | 13.0843% | 1,471 |
| Core capital (leverage) ratio | 13.9144% | 950 |
| Tier 1 risk-based capital ratio | 18.1842% | 1,719 |
| Total risk-based capital ratio | 19.2309% | 1,716 |
| Memoranda: | ||
| Average total assets | $259,180,600 | 2,400 |
| Average earning assets | $236,827,200 | 2,429 |
| Average equity | $33,607,200 | 2,203 |
| Average total loans | $209,441,600 | 2,086 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2237% | 994 |
| Cost of funding earning assets | 0.7467% | 2,984 |
| Net interest margin | 4.4769% | 806 |
| Noninterest income to average assets | 0.4501% | 3,018 |
| Noninterest expense to average assets | 3.2044% | 1,461 |
| Loan and lease loss provision to assets | 0.0968% | 1,974 |
| Net operating income to assets | 0.9878% | 3,024 |
| Return on assets (ROA) | 0.9878% | 3,101 |
| Pretax return on assets | 1.2371% | 2,867 |
| Return on Equity (ROE) | 7.6354% | 3,462 |
| Retained earnings to average equity (ytd only) | 1.9347% | 4,296 |
| Net charge-offs to loans | 0.1094% | 1,371 |
| Credit loss provision to net charge-offs | 109.3023% | 2,104 |
| Earnings coverage of net charge-offs (x) | 15.0580% | 2,211 |
| Efficiency ratio | 70.5061% | 2,050 |
| Assets per employee ($millions) | 3.4849% | 4,511 |
| Cash dividends to net income (ytd only)* | 74.6613% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,580 |
| Loan loss allowance to noncurrent loans | 45.4247% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.1672% | 375 |
| Noncurrent loans to loans | 2.1989% | 579 |
| Net loans and leases to total assets | 79.7499% | 880 |
| Net loans and leases to deposits | 96.2526% | 985 |
| Net loans and leases to core deposits | 104.0431% | 1,320 |
| Total domestic deposits to total assets | 82.8548% | 3,212 |
| Equity capital to assets | 13.1694% | 1,531 |
| Core capital (leverage) ratio | 13.9889% | 987 |
| Tier 1 risk-based capital ratio | 18.3355% | 1,723 |
| Total risk-based capital ratio | 19.3894% | 1,736 |
| Memoranda: | ||
| Average total assets | $258,886,500 | 2,422 |
| Average earning assets | $236,405,500 | 2,446 |
| Average equity | $33,492,500 | 2,230 |
| Average total loans | $209,575,500 | 2,106 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1615% | 1,075 |
| Cost of funding earning assets | 0.7265% | 3,010 |
| Net interest margin | 4.4350% | 879 |
| Noninterest income to average assets | 0.3904% | 3,335 |
| Noninterest expense to average assets | 3.1957% | 1,516 |
| Loan and lease loss provision to assets | 0.0957% | 1,939 |
| Net operating income to assets | 0.8726% | 3,393 |
| Return on assets (ROA) | 0.8726% | 3,458 |
| Pretax return on assets | 1.1542% | 3,067 |
| Return on Equity (ROE) | 6.7855% | 3,752 |
| Retained earnings to average equity (ytd only) | 1.2719% | 4,359 |
| Net charge-offs to loans | 0.1446% | 1,071 |
| Credit loss provision to net charge-offs | 81.5789% | 2,213 |
| Earnings coverage of net charge-offs (x) | 10.6579% | 2,247 |
| Efficiency ratio | 71.7806% | 1,951 |
| Assets per employee ($millions) | 3.3975% | 4,608 |
| Cash dividends to net income (ytd only)* | 81.2555% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 3,789 |
| Loan loss allowance to noncurrent loans | 47.6974% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.0437% | 447 |
| Noncurrent loans to loans | 2.0300% | 693 |
| Net loans and leases to total assets | 80.4090% | 820 |
| Net loans and leases to deposits | 97.3527% | 903 |
| Net loans and leases to core deposits | 105.2342% | 1,291 |
| Total domestic deposits to total assets | 82.5956% | 3,337 |
| Equity capital to assets | 13.0309% | 1,571 |
| Core capital (leverage) ratio | 13.7934% | 1,027 |
| Tier 1 risk-based capital ratio | 18.0236% | 1,802 |
| Total risk-based capital ratio | 19.0449% | 1,810 |
| Memoranda: | ||
| Average total assets | $259,220,330 | 2,426 |
| Average earning assets | $237,024,000 | 2,448 |
| Average equity | $33,336,000 | 2,232 |
| Average total loans | $210,188,000 | 2,109 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0810% | 1,136 |
| Cost of funding earning assets | 0.7100% | 3,003 |
| Net interest margin | 4.3710% | 963 |
| Noninterest income to average assets | 0.2295% | 4,365 |
| Noninterest expense to average assets | 3.2373% | 1,413 |
| Loan and lease loss provision to assets | 0.0939% | 1,853 |
| Net operating income to assets | 0.6776% | 4,012 |
| Return on assets (ROA) | 0.6776% | 4,048 |
| Pretax return on assets | 0.8902% | 3,798 |
| Return on Equity (ROE) | 5.3043% | 4,247 |
| Retained earnings to average equity (ytd only) | 0.0241% | 4,526 |
| Net charge-offs to loans | -0.0190% | 4,473 |
| Credit loss provision to net charge-offs | -610.0000% | 3,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5779% | 1,438 |
| Assets per employee ($millions) | 3.4605% | 4,595 |
| Cash dividends to net income (ytd only)* | 99.5455% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,648 |
| Loan loss allowance to noncurrent loans | 42.7253% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 2.3549% | 349 |
| Noncurrent loans to loans | 2.3569% | 572 |
| Net loans and leases to total assets | 80.6418% | 765 |
| Net loans and leases to deposits | 97.6335% | 824 |
| Net loans and leases to core deposits | 104.7590% | 1,260 |
| Total domestic deposits to total assets | 82.5964% | 3,541 |
| Equity capital to assets | 12.8093% | 1,562 |
| Core capital (leverage) ratio | 13.6169% | 1,052 |
| Tier 1 risk-based capital ratio | 17.3668% | 1,991 |
| Total risk-based capital ratio | 18.4051% | 2,006 |
| Memoranda: | ||
| Average total assets | $259,725,500 | 2,447 |
| Average earning assets | $237,198,000 | 2,478 |
| Average equity | $33,180,500 | 2,244 |
| Average total loans | $210,455,000 | 2,129 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1074% | 829 |
| Cost of funding earning assets | 0.5108% | 3,286 |
| Net interest margin | 4.5966% | 608 |
| Noninterest income to average assets | 0.4148% | 3,350 |
| Noninterest expense to average assets | 3.1228% | 1,741 |
| Loan and lease loss provision to assets | 0.0812% | 2,504 |
| Net operating income to assets | 1.1160% | 2,531 |
| Return on assets (ROA) | 1.1138% | 2,539 |
| Pretax return on assets | 1.4075% | 2,109 |
| Return on Equity (ROE) | 8.7684% | 3,111 |
| Retained earnings to average equity (ytd only) | 3.4373% | 3,697 |
| Net charge-offs to loans | 0.0655% | 2,186 |
| Credit loss provision to net charge-offs | 151.8248% | 1,810 |
| Earnings coverage of net charge-offs (x) | 27.8759% | 1,675 |
| Efficiency ratio | 67.5836% | 2,618 |
| Assets per employee ($millions) | 3.4655% | 4,585 |
| Cash dividends to net income (ytd only)* | 60.7994% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 3,790 |
| Loan loss allowance to noncurrent loans | 46.0523% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 2.2442% | 377 |
| Noncurrent loans to loans | 2.1343% | 615 |
| Net loans and leases to total assets | 79.8059% | 969 |
| Net loans and leases to deposits | 96.7269% | 999 |
| Net loans and leases to core deposits | 103.5525% | 1,451 |
| Total domestic deposits to total assets | 82.5064% | 3,483 |
| Equity capital to assets | 12.7412% | 1,464 |
| Core capital (leverage) ratio | 13.7818% | 989 |
| Tier 1 risk-based capital ratio | 17.5962% | 1,868 |
| Total risk-based capital ratio | 18.6137% | 1,891 |
| Memoranda: | ||
| Average total assets | $256,052,200 | 2,430 |
| Average earning assets | $233,933,200 | 2,458 |
| Average equity | $32,525,800 | 2,186 |
| Average total loans | $209,099,200 | 2,102 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0591% | 822 |
| Cost of funding earning assets | 0.4842% | 3,301 |
| Net interest margin | 4.5749% | 629 |
| Noninterest income to average assets | 0.4192% | 3,360 |
| Noninterest expense to average assets | 3.0797% | 1,814 |
| Loan and lease loss provision to assets | 0.0784% | 2,390 |
| Net operating income to assets | 1.1488% | 2,440 |
| Return on assets (ROA) | 1.1442% | 2,476 |
| Pretax return on assets | 1.4379% | 2,097 |
| Return on Equity (ROE) | 9.0140% | 3,076 |
| Retained earnings to average equity (ytd only) | 3.8502% | 3,854 |
| Net charge-offs to loans | 0.1059% | 1,430 |
| Credit loss provision to net charge-offs | 90.3614% | 2,418 |
| Earnings coverage of net charge-offs (x) | 17.5420% | 2,107 |
| Efficiency ratio | 66.8446% | 2,742 |
| Assets per employee ($millions) | 3.4427% | 4,631 |
| Cash dividends to net income (ytd only)* | 57.2866% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 4,127 |
| Loan loss allowance to noncurrent loans | 63.8305% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.7832% | 656 |
| Noncurrent loans to loans | 1.4603% | 1,116 |
| Net loans and leases to total assets | 82.3118% | 660 |
| Net loans and leases to deposits | 97.7964% | 965 |
| Net loans and leases to core deposits | 103.3300% | 1,505 |
| Total domestic deposits to total assets | 84.1665% | 2,884 |
| Equity capital to assets | 12.8504% | 1,395 |
| Core capital (leverage) ratio | 13.7751% | 1,003 |
| Tier 1 risk-based capital ratio | 17.6338% | 1,890 |
| Total risk-based capital ratio | 18.6160% | 1,928 |
| Memoranda: | ||
| Average total assets | $255,087,250 | 2,455 |
| Average earning assets | $233,211,250 | 2,475 |
| Average equity | $32,378,250 | 2,195 |
| Average total loans | $209,003,000 | 2,108 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9887% | 846 |
| Cost of funding earning assets | 0.4561% | 3,312 |
| Net interest margin | 4.5326% | 648 |
| Noninterest income to average assets | 0.4381% | 3,233 |
| Noninterest expense to average assets | 3.0729% | 1,851 |
| Loan and lease loss provision to assets | 0.0627% | 2,651 |
| Net operating income to assets | 1.1056% | 2,561 |
| Return on assets (ROA) | 1.0988% | 2,597 |
| Pretax return on assets | 1.4373% | 2,029 |
| Return on Equity (ROE) | 8.6923% | 3,177 |
| Retained earnings to average equity (ytd only) | 3.7324% | 3,733 |
| Net charge-offs to loans | 0.1048% | 1,310 |
| Credit loss provision to net charge-offs | 73.3945% | 2,321 |
| Earnings coverage of net charge-offs (x) | 17.6606% | 1,943 |
| Efficiency ratio | 67.0031% | 2,821 |
| Assets per employee ($millions) | 3.4620% | 4,646 |
| Cash dividends to net income (ytd only)* | 57.0613% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 4,207 |
| Loan loss allowance to noncurrent loans | 59.8533% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.9127% | 575 |
| Noncurrent loans to loans | 1.5529% | 1,060 |
| Net loans and leases to total assets | 81.5044% | 768 |
| Net loans and leases to deposits | 96.5585% | 1,092 |
| Net loans and leases to core deposits | 102.1042% | 1,556 |
| Total domestic deposits to total assets | 84.4093% | 2,909 |
| Equity capital to assets | 12.6698% | 1,458 |
| Core capital (leverage) ratio | 13.6608% | 1,005 |
| Tier 1 risk-based capital ratio | 17.2670% | 2,018 |
| Total risk-based capital ratio | 18.2311% | 2,049 |
| Memoranda: | ||
| Average total assets | $255,195,330 | 2,467 |
| Average earning assets | $233,288,330 | 2,488 |
| Average equity | $32,258,330 | 2,212 |
| Average total loans | $208,113,000 | 2,116 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9363% | 803 |
| Cost of funding earning assets | 0.4366% | 3,319 |
| Net interest margin | 4.4997% | 622 |
| Noninterest income to average assets | 0.4774% | 2,960 |
| Noninterest expense to average assets | 3.1033% | 1,816 |
| Loan and lease loss provision to assets | 0.0550% | 2,666 |
| Net operating income to assets | 1.0962% | 2,440 |
| Return on assets (ROA) | 1.0962% | 2,453 |
| Pretax return on assets | 1.4307% | 1,901 |
| Return on Equity (ROE) | 8.6820% | 3,072 |
| Retained earnings to average equity (ytd only) | 4.5276% | 3,390 |
| Net charge-offs to loans | 0.1083% | 1,125 |
| Credit loss provision to net charge-offs | 62.5000% | 1,880 |
| Earnings coverage of net charge-offs (x) | 16.8929% | 1,603 |
| Efficiency ratio | 67.5565% | 2,902 |
| Assets per employee ($millions) | 3.4260% | 4,762 |
| Cash dividends to net income (ytd only)* | 47.8510% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 4,230 |
| Loan loss allowance to noncurrent loans | 66.2513% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.9055% | 617 |
| Noncurrent loans to loans | 1.4299% | 1,239 |
| Net loans and leases to total assets | 81.1232% | 775 |
| Net loans and leases to deposits | 96.3853% | 996 |
| Net loans and leases to core deposits | 101.2485% | 1,595 |
| Total domestic deposits to total assets | 84.1655% | 3,262 |
| Equity capital to assets | 12.7223% | 1,378 |
| Core capital (leverage) ratio | 13.5232% | 1,002 |
| Tier 1 risk-based capital ratio | 17.4586% | 1,988 |
| Total risk-based capital ratio | 18.4435% | 2,015 |
| Memoranda: | ||
| Average total assets | $254,700,500 | 2,486 |
| Average earning assets | $232,727,000 | 2,513 |
| Average equity | $32,158,500 | 2,231 |
| Average total loans | $206,789,000 | 2,143 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9759% | 676 |
| Cost of funding earning assets | 0.4315% | 2,948 |
| Net interest margin | 4.5444% | 556 |
| Noninterest income to average assets | 0.4519% | 3,298 |
| Noninterest expense to average assets | 3.0357% | 2,055 |
| Loan and lease loss provision to assets | 0.0427% | 3,393 |
| Net operating income to assets | 0.7042% | 3,587 |
| Return on assets (ROA) | 0.7044% | 3,640 |
| Pretax return on assets | 1.5248% | 1,545 |
| Return on Equity (ROE) | 5.5060% | 3,962 |
| Retained earnings to average equity (ytd only) | 1.4384% | 4,426 |
| Net charge-offs to loans | 0.0677% | 2,493 |
| Credit loss provision to net charge-offs | 77.6978% | 2,981 |
| Earnings coverage of net charge-offs (x) | 28.4892% | 1,601 |
| Efficiency ratio | 65.9273% | 3,283 |
| Assets per employee ($millions) | 3.3668% | 4,865 |
| Cash dividends to net income (ytd only)* | 73.8764% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 4,134 |
| Loan loss allowance to noncurrent loans | 84.9936% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.6371% | 802 |
| Noncurrent loans to loans | 1.1357% | 1,561 |
| Net loans and leases to total assets | 79.7087% | 1,002 |
| Net loans and leases to deposits | 94.5747% | 1,209 |
| Net loans and leases to core deposits | 100.3311% | 1,686 |
| Total domestic deposits to total assets | 84.2812% | 3,101 |
| Equity capital to assets | 12.5306% | 1,500 |
| Core capital (leverage) ratio | 13.3470% | 1,019 |
| Tier 1 risk-based capital ratio | 17.3876% | 1,974 |
| Total risk-based capital ratio | 18.3895% | 2,000 |
| Memoranda: | ||
| Average total assets | $252,691,000 | 2,473 |
| Average earning assets | $230,811,600 | 2,492 |
| Average equity | $32,328,400 | 2,203 |
| Average total loans | $205,465,000 | 2,113 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9613% | 663 |
| Cost of funding earning assets | 0.4247% | 2,932 |
| Net interest margin | 4.5366% | 554 |
| Noninterest income to average assets | 0.4272% | 3,502 |
| Noninterest expense to average assets | 3.0536% | 1,945 |
| Loan and lease loss provision to assets | 0.0408% | 3,293 |
| Net operating income to assets | 0.9900% | 2,599 |
| Return on assets (ROA) | 0.9903% | 2,653 |
| Pretax return on assets | 1.4778% | 1,854 |
| Return on Equity (ROE) | 7.7006% | 3,293 |
| Retained earnings to average equity (ytd only) | 3.7577% | 3,684 |
| Net charge-offs to loans | 0.0682% | 2,143 |
| Credit loss provision to net charge-offs | 73.3333% | 2,663 |
| Earnings coverage of net charge-offs (x) | 27.3136% | 1,641 |
| Efficiency ratio | 66.7709% | 3,087 |
| Assets per employee ($millions) | 3.3945% | 4,869 |
| Cash dividends to net income (ytd only)* | 51.2026% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 4,252 |
| Loan loss allowance to noncurrent loans | 73.2695% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.6638% | 870 |
| Noncurrent loans to loans | 1.3206% | 1,446 |
| Net loans and leases to total assets | 80.0032% | 986 |
| Net loans and leases to deposits | 96.5551% | 1,059 |
| Net loans and leases to core deposits | 102.5610% | 1,504 |
| Total domestic deposits to total assets | 82.8576% | 3,505 |
| Equity capital to assets | 12.9443% | 1,416 |
| Core capital (leverage) ratio | 13.4464% | 1,044 |
| Tier 1 risk-based capital ratio | 17.2987% | 2,063 |
| Total risk-based capital ratio | 18.3032% | 2,094 |
| Memoranda: | ||
| Average total assets | $251,894,250 | 2,493 |
| Average earning assets | $230,124,250 | 2,517 |
| Average equity | $32,394,750 | 2,216 |
| Average total loans | $205,345,000 | 2,126 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 678 |
| Cost of funding earning assets | 0.4226% | 2,869 |
| Net interest margin | 4.4872% | 581 |
| Noninterest income to average assets | 0.4000% | 3,694 |
| Noninterest expense to average assets | 3.0415% | 2,005 |
| Loan and lease loss provision to assets | 0.0295% | 3,405 |
| Net operating income to assets | 0.9612% | 2,601 |
| Return on assets (ROA) | 0.9618% | 2,660 |
| Pretax return on assets | 1.4335% | 1,885 |
| Return on Equity (ROE) | 7.4950% | 3,292 |
| Retained earnings to average equity (ytd only) | 3.4526% | 3,655 |
| Net charge-offs to loans | 0.0672% | 1,966 |
| Credit loss provision to net charge-offs | 53.6232% | 2,523 |
| Earnings coverage of net charge-offs (x) | 26.5942% | 1,568 |
| Efficiency ratio | 67.5159% | 3,092 |
| Assets per employee ($millions) | 3.3627% | 4,907 |
| Cash dividends to net income (ytd only)* | 53.9354% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 4,312 |
| Loan loss allowance to noncurrent loans | 57.4942% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.9508% | 663 |
| Noncurrent loans to loans | 1.6901% | 1,078 |
| Net loans and leases to total assets | 80.2915% | 911 |
| Net loans and leases to deposits | 95.6962% | 1,106 |
| Net loans and leases to core deposits | 102.0830% | 1,505 |
| Total domestic deposits to total assets | 83.9025% | 3,238 |
| Equity capital to assets | 12.9337% | 1,401 |
| Core capital (leverage) ratio | 13.5931% | 970 |
| Tier 1 risk-based capital ratio | 17.2272% | 2,085 |
| Total risk-based capital ratio | 18.2366% | 2,111 |
| Memoranda: | ||
| Average total assets | $250,995,330 | 2,508 |
| Average earning assets | $229,542,330 | 2,531 |
| Average equity | $32,208,000 | 2,219 |
| Average total loans | $205,236,330 | 2,124 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7968% | 751 |
| Cost of funding earning assets | 0.4183% | 2,828 |
| Net interest margin | 4.3784% | 663 |
| Noninterest income to average assets | 0.3914% | 3,727 |
| Noninterest expense to average assets | 3.0688% | 1,958 |
| Loan and lease loss provision to assets | 0.0016% | 3,525 |
| Net operating income to assets | 0.8951% | 2,787 |
| Return on assets (ROA) | 0.8962% | 2,829 |
| Pretax return on assets | 1.3355% | 2,118 |
| Return on Equity (ROE) | 7.0120% | 3,393 |
| Retained earnings to average equity (ytd only) | 3.0998% | 3,861 |
| Net charge-offs to loans | 0.0486% | 1,879 |
| Credit loss provision to net charge-offs | 4.0000% | 2,262 |
| Earnings coverage of net charge-offs (x) | 33.4400% | 1,148 |
| Efficiency ratio | 69.6409% | 2,947 |
| Assets per employee ($millions) | 3.3342% | 5,012 |
| Cash dividends to net income (ytd only)* | 55.7932% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 4,397 |
| Loan loss allowance to noncurrent loans | 64.0449% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.8167% | 777 |
| Noncurrent loans to loans | 1.5292% | 1,292 |
| Net loans and leases to total assets | 80.6632% | 740 |
| Net loans and leases to deposits | 96.7694% | 866 |
| Net loans and leases to core deposits | 103.3244% | 1,266 |
| Total domestic deposits to total assets | 83.3561% | 3,719 |
| Equity capital to assets | 12.8602% | 1,319 |
| Core capital (leverage) ratio | 13.5015% | 977 |
| Tier 1 risk-based capital ratio | 17.1956% | 2,121 |
| Total risk-based capital ratio | 18.2164% | 2,146 |
| Memoranda: | ||
| Average total assets | $250,392,500 | 2,539 |
| Average earning assets | $229,488,000 | 2,559 |
| Average equity | $32,002,500 | 2,239 |
| Average total loans | $205,613,000 | 2,133 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9061% | 732 |
| Cost of funding earning assets | 0.4560% | 2,484 |
| Net interest margin | 4.4501% | 681 |
| Noninterest income to average assets | 0.4229% | 3,726 |
| Noninterest expense to average assets | 2.9493% | 2,502 |
| Loan and lease loss provision to assets | 0.0193% | 3,990 |
| Net operating income to assets | 1.0737% | 2,021 |
| Return on assets (ROA) | 1.0774% | 2,102 |
| Pretax return on assets | 1.5514% | 1,429 |
| Return on Equity (ROE) | 8.5101% | 2,667 |
| Retained earnings to average equity (ytd only) | 4.4443% | 2,750 |
| Net charge-offs to loans | 0.0713% | 2,677 |
| Credit loss provision to net charge-offs | 32.8767% | 3,562 |
| Earnings coverage of net charge-offs (x) | 26.6233% | 1,541 |
| Efficiency ratio | 65.2899% | 3,708 |
| Assets per employee ($millions) | 3.2989% | 5,044 |
| Cash dividends to net income (ytd only)* | 47.7757% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 4,466 |
| Loan loss allowance to noncurrent loans | 62.5736% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.8714% | 769 |
| Noncurrent loans to loans | 1.5541% | 1,277 |
| Net loans and leases to total assets | 81.9650% | 614 |
| Net loans and leases to deposits | 98.2760% | 802 |
| Net loans and leases to core deposits | 104.0886% | 1,273 |
| Total domestic deposits to total assets | 83.4029% | 3,627 |
| Equity capital to assets | 12.7019% | 1,397 |
| Core capital (leverage) ratio | 13.4084% | 999 |
| Tier 1 risk-based capital ratio | 16.7886% | 2,233 |
| Total risk-based capital ratio | 17.8043% | 2,269 |
| Memoranda: | ||
| Average total assets | $248,293,200 | 2,520 |
| Average earning assets | $228,307,600 | 2,530 |
| Average equity | $31,433,200 | 2,256 |
| Average total loans | $204,708,600 | 2,083 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9026% | 719 |
| Cost of funding earning assets | 0.4629% | 2,437 |
| Net interest margin | 4.4397% | 723 |
| Noninterest income to average assets | 0.4021% | 3,911 |
| Noninterest expense to average assets | 2.9316% | 2,538 |
| Loan and lease loss provision to assets | 0.0231% | 3,783 |
| Net operating income to assets | 1.0217% | 2,322 |
| Return on assets (ROA) | 1.0260% | 2,441 |
| Pretax return on assets | 1.5374% | 1,581 |
| Return on Equity (ROE) | 8.1113% | 2,953 |
| Retained earnings to average equity (ytd only) | 4.0642% | 3,408 |
| Net charge-offs to loans | 0.0516% | 2,630 |
| Credit loss provision to net charge-offs | 54.4304% | 2,980 |
| Earnings coverage of net charge-offs (x) | 36.5446% | 1,309 |
| Efficiency ratio | 65.3186% | 3,707 |
| Assets per employee ($millions) | 3.3791% | 4,938 |
| Cash dividends to net income (ytd only)* | 49.8951% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 4,285 |
| Loan loss allowance to noncurrent loans | 63.1068% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 2.0173% | 772 |
| Noncurrent loans to loans | 1.6197% | 1,325 |
| Net loans and leases to total assets | 81.6513% | 667 |
| Net loans and leases to deposits | 98.1243% | 840 |
| Net loans and leases to core deposits | 104.2193% | 1,326 |
| Total domestic deposits to total assets | 83.2121% | 3,511 |
| Equity capital to assets | 12.8986% | 1,544 |
| Core capital (leverage) ratio | 13.4433% | 1,019 |
| Tier 1 risk-based capital ratio | 16.9902% | 2,231 |
| Total risk-based capital ratio | 18.0639% | 2,244 |
| Memoranda: | ||
| Average total assets | $247,687,000 | 2,535 |
| Average earning assets | $227,818,250 | 2,542 |
| Average equity | $31,330,000 | 2,281 |
| Average total loans | $204,006,000 | 2,097 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8752% | 764 |
| Cost of funding earning assets | 0.4706% | 2,366 |
| Net interest margin | 4.4046% | 761 |
| Noninterest income to average assets | 0.4766% | 3,360 |
| Noninterest expense to average assets | 2.8553% | 2,824 |
| Loan and lease loss provision to assets | 0.0016% | 3,998 |
| Net operating income to assets | 1.1144% | 1,909 |
| Return on assets (ROA) | 1.1209% | 1,992 |
| Pretax return on assets | 1.6821% | 1,139 |
| Return on Equity (ROE) | 8.9195% | 2,532 |
| Retained earnings to average equity (ytd only) | 4.8255% | 2,853 |
| Net charge-offs to loans | 0.0549% | 2,417 |
| Credit loss provision to net charge-offs | 3.5714% | 3,032 |
| Earnings coverage of net charge-offs (x) | 37.0714% | 1,210 |
| Efficiency ratio | 63.0052% | 4,176 |
| Assets per employee ($millions) | 3.2843% | 5,092 |
| Cash dividends to net income (ytd only)* | 45.8993% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 4,466 |
| Loan loss allowance to noncurrent loans | 57.1666% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.1658% | 720 |
| Noncurrent loans to loans | 1.7650% | 1,185 |
| Net loans and leases to total assets | 82.1281% | 614 |
| Net loans and leases to deposits | 98.8314% | 803 |
| Net loans and leases to core deposits | 104.9802% | 1,253 |
| Total domestic deposits to total assets | 83.0992% | 3,609 |
| Equity capital to assets | 12.8404% | 1,589 |
| Core capital (leverage) ratio | 13.2258% | 1,078 |
| Tier 1 risk-based capital ratio | 16.8150% | 2,299 |
| Total risk-based capital ratio | 17.8748% | 2,327 |
| Memoranda: | ||
| Average total assets | $248,025,670 | 2,548 |
| Average earning assets | $228,214,000 | 2,554 |
| Average equity | $31,167,670 | 2,296 |
| Average total loans | $204,178,000 | 2,103 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 739 |
| Cost of funding earning assets | 0.4763% | 2,312 |
| Net interest margin | 4.3892% | 757 |
| Noninterest income to average assets | 0.4790% | 3,271 |
| Noninterest expense to average assets | 2.9541% | 2,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0484% | 2,089 |
| Return on assets (ROA) | 1.0559% | 2,175 |
| Pretax return on assets | 1.5799% | 1,349 |
| Return on Equity (ROE) | 8.4947% | 2,665 |
| Retained earnings to average equity (ytd only) | 4.4607% | 3,259 |
| Net charge-offs to loans | -0.0176% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2807% | 3,931 |
| Assets per employee ($millions) | 3.3723% | 5,018 |
| Cash dividends to net income (ytd only)* | 47.4886% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 4,382 |
| Loan loss allowance to noncurrent loans | 54.7398% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 2.2084% | 743 |
| Noncurrent loans to loans | 1.9020% | 1,153 |
| Net loans and leases to total assets | 80.9358% | 694 |
| Net loans and leases to deposits | 97.0185% | 846 |
| Net loans and leases to core deposits | 104.4948% | 1,161 |
| Total domestic deposits to total assets | 83.4231% | 3,744 |
| Equity capital to assets | 12.4796% | 1,697 |
| Core capital (leverage) ratio | 13.1465% | 1,106 |
| Tier 1 risk-based capital ratio | 16.4372% | 2,503 |
| Total risk-based capital ratio | 17.5183% | 2,524 |
| Memoranda: | ||
| Average total assets | $248,876,000 | 2,551 |
| Average earning assets | $229,287,500 | 2,556 |
| Average equity | $30,937,000 | 2,308 |
| Average total loans | $204,085,000 | 2,106 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9841% | 646 |
| Cost of funding earning assets | 0.4876% | 2,287 |
| Net interest margin | 4.4965% | 660 |
| Noninterest income to average assets | 0.4696% | 3,536 |
| Noninterest expense to average assets | 3.1751% | 2,021 |
| Loan and lease loss provision to assets | -0.0330% | 5,700 |
| Net operating income to assets | 0.9824% | 2,456 |
| Return on assets (ROA) | 0.9829% | 2,533 |
| Pretax return on assets | 1.4533% | 1,707 |
| Return on Equity (ROE) | 7.9496% | 2,985 |
| Retained earnings to average equity (ytd only) | 3.9948% | 3,184 |
| Net charge-offs to loans | 0.3171% | 948 |
| Credit loss provision to net charge-offs | -12.8411% | 4,956 |
| Earnings coverage of net charge-offs (x) | 5.5169% | 3,377 |
| Efficiency ratio | 67.8202% | 3,598 |
| Assets per employee ($millions) | 3.3093% | 5,138 |
| Cash dividends to net income (ytd only)* | 49.7479% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 4,401 |
| Loan loss allowance to noncurrent loans | 57.4376% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 2.1656% | 786 |
| Noncurrent loans to loans | 1.8053% | 1,213 |
| Net loans and leases to total assets | 81.3666% | 657 |
| Net loans and leases to deposits | 96.7171% | 937 |
| Net loans and leases to core deposits | 104.2742% | 1,206 |
| Total domestic deposits to total assets | 84.1285% | 3,439 |
| Equity capital to assets | 12.3815% | 1,683 |
| Core capital (leverage) ratio | 13.0558% | 1,134 |
| Tier 1 risk-based capital ratio | 16.5001% | 2,479 |
| Total risk-based capital ratio | 17.5924% | 2,506 |
| Memoranda: | ||
| Average total assets | $242,137,400 | 2,561 |
| Average earning assets | $222,127,400 | 2,565 |
| Average equity | $29,938,800 | 2,321 |
| Average total loans | $196,488,000 | 2,106 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9911% | 630 |
| Cost of funding earning assets | 0.4909% | 2,309 |
| Net interest margin | 4.5002% | 648 |
| Noninterest income to average assets | 0.4361% | 3,826 |
| Noninterest expense to average assets | 3.1872% | 2,004 |
| Loan and lease loss provision to assets | -0.0493% | 5,916 |
| Net operating income to assets | 0.9296% | 2,806 |
| Return on assets (ROA) | 0.9303% | 2,892 |
| Pretax return on assets | 1.4241% | 1,919 |
| Return on Equity (ROE) | 7.5271% | 3,318 |
| Retained earnings to average equity (ytd only) | 3.7792% | 3,782 |
| Net charge-offs to loans | 0.3919% | 657 |
| Credit loss provision to net charge-offs | -15.5594% | 4,875 |
| Earnings coverage of net charge-offs (x) | 4.3339% | 3,365 |
| Efficiency ratio | 68.3271% | 3,482 |
| Assets per employee ($millions) | 3.2286% | 5,244 |
| Cash dividends to net income (ytd only)* | 49.7916% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 4,250 |
| Loan loss allowance to noncurrent loans | 53.1920% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 2.3992% | 744 |
| Noncurrent loans to loans | 2.0591% | 1,116 |
| Net loans and leases to total assets | 79.4169% | 894 |
| Net loans and leases to deposits | 97.3416% | 875 |
| Net loans and leases to core deposits | 102.5286% | 1,338 |
| Total domestic deposits to total assets | 81.5858% | 4,295 |
| Equity capital to assets | 12.2893% | 1,882 |
| Core capital (leverage) ratio | 13.2535% | 1,109 |
| Tier 1 risk-based capital ratio | 17.2002% | 2,293 |
| Total risk-based capital ratio | 18.3748% | 2,272 |
| Memoranda: | ||
| Average total assets | $240,621,750 | 2,591 |
| Average earning assets | $220,546,500 | 2,601 |
| Average equity | $29,740,750 | 2,348 |
| Average total loans | $194,593,000 | 2,138 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0399% | 561 |
| Cost of funding earning assets | 0.4989% | 2,260 |
| Net interest margin | 4.5411% | 585 |
| Noninterest income to average assets | 0.4342% | 3,820 |
| Noninterest expense to average assets | 3.1987% | 1,987 |
| Loan and lease loss provision to assets | -0.0770% | 6,063 |
| Net operating income to assets | 0.9611% | 2,580 |
| Return on assets (ROA) | 0.9622% | 2,687 |
| Pretax return on assets | 1.4726% | 1,718 |
| Return on Equity (ROE) | 7.7696% | 3,180 |
| Retained earnings to average equity (ytd only) | 4.0334% | 3,448 |
| Net charge-offs to loans | 0.2869% | 912 |
| Credit loss provision to net charge-offs | -33.0935% | 4,768 |
| Earnings coverage of net charge-offs (x) | 5.9928% | 2,845 |
| Efficiency ratio | 68.0998% | 3,653 |
| Assets per employee ($millions) | 3.1935% | 5,351 |
| Cash dividends to net income (ytd only)* | 48.0870% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 3,451 |
| Loan loss allowance to noncurrent loans | 55.4574% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 2.5569% | 727 |
| Noncurrent loans to loans | 2.2733% | 1,042 |
| Net loans and leases to total assets | 80.0828% | 792 |
| Net loans and leases to deposits | 94.8708% | 1,061 |
| Net loans and leases to core deposits | 100.0099% | 1,489 |
| Total domestic deposits to total assets | 84.4124% | 3,394 |
| Equity capital to assets | 12.4733% | 1,676 |
| Core capital (leverage) ratio | 13.1782% | 1,099 |
| Tier 1 risk-based capital ratio | 17.4362% | 2,241 |
| Total risk-based capital ratio | 18.6874% | 2,198 |
| Memoranda: | ||
| Average total assets | $239,037,000 | 2,616 |
| Average earning assets | $218,891,670 | 2,629 |
| Average equity | $29,602,670 | 2,365 |
| Average total loans | $193,781,330 | 2,143 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9258% | 661 |
| Cost of funding earning assets | 0.5065% | 2,229 |
| Net interest margin | 4.4193% | 702 |
| Noninterest income to average assets | 0.4070% | 3,944 |
| Noninterest expense to average assets | 3.1893% | 2,014 |
| Loan and lease loss provision to assets | -0.1642% | 6,250 |
| Net operating income to assets | 0.9347% | 2,582 |
| Return on assets (ROA) | 0.9347% | 2,712 |
| Pretax return on assets | 1.4305% | 1,775 |
| Return on Equity (ROE) | 7.5747% | 3,178 |
| Retained earnings to average equity (ytd only) | 3.9502% | 3,624 |
| Net charge-offs to loans | 0.5229% | 477 |
| Credit loss provision to net charge-offs | -38.7352% | 4,376 |
| Earnings coverage of net charge-offs (x) | 2.9881% | 2,671 |
| Efficiency ratio | 69.9624% | 3,495 |
| Assets per employee ($millions) | 3.1892% | 5,428 |
| Cash dividends to net income (ytd only)* | 47.8495% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 3,579 |
| Loan loss allowance to noncurrent loans | 41.7005% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 3.2083% | 553 |
| Noncurrent loans to loans | 3.0465% | 701 |
| Net loans and leases to total assets | 80.1542% | 672 |
| Net loans and leases to deposits | 94.8484% | 907 |
| Net loans and leases to core deposits | 100.1604% | 1,309 |
| Total domestic deposits to total assets | 84.5076% | 3,615 |
| Equity capital to assets | 12.3898% | 1,762 |
| Core capital (leverage) ratio | 13.0095% | 1,152 |
| Tier 1 risk-based capital ratio | 17.3359% | 2,366 |
| Total risk-based capital ratio | 18.5874% | 2,321 |
| Memoranda: | ||
| Average total assets | $238,800,000 | 2,642 |
| Average earning assets | $218,767,000 | 2,654 |
| Average equity | $29,466,500 | 2,391 |
| Average total loans | $193,544,000 | 2,139 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 584 |
| Cost of funding earning assets | 0.5655% | 2,089 |
| Net interest margin | 4.5742% | 650 |
| Noninterest income to average assets | 0.1837% | 5,758 |
| Noninterest expense to average assets | 3.0974% | 2,524 |
| Loan and lease loss provision to assets | -0.3386% | 6,392 |
| Net operating income to assets | 1.0728% | 2,081 |
| Return on assets (ROA) | 1.0797% | 2,108 |
| Pretax return on assets | 1.5847% | 1,283 |
| Return on Equity (ROE) | 8.6713% | 2,745 |
| Retained earnings to average equity (ytd only) | 6.0947% | 1,859 |
| Net charge-offs to loans | -0.0226% | 5,722 |
| Credit loss provision to net charge-offs | 1,860.4651% | 163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8086% | 3,561 |
| Assets per employee ($millions) | 3.1788% | 5,461 |
| Cash dividends to net income (ytd only)* | 29.7138% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 2,639 |
| Loan loss allowance to noncurrent loans | 55.2204% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 2.8082% | 760 |
| Noncurrent loans to loans | 2.6464% | 931 |
| Net loans and leases to total assets | 79.7287% | 771 |
| Net loans and leases to deposits | 94.3330% | 1,044 |
| Net loans and leases to core deposits | 98.5928% | 1,503 |
| Total domestic deposits to total assets | 84.5183% | 3,501 |
| Equity capital to assets | 12.2889% | 1,795 |
| Core capital (leverage) ratio | 12.9536% | 1,162 |
| Tier 1 risk-based capital ratio | 16.9308% | 2,537 |
| Total risk-based capital ratio | 18.1821% | 2,491 |
| Memoranda: | ||
| Average total assets | $236,265,000 | 2,646 |
| Average earning assets | $214,334,800 | 2,667 |
| Average equity | $29,419,000 | 2,308 |
| Average total loans | $190,323,800 | 2,117 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1644% | 560 |
| Cost of funding earning assets | 0.5763% | 2,051 |
| Net interest margin | 4.5882% | 634 |
| Noninterest income to average assets | 0.3518% | 4,623 |
| Noninterest expense to average assets | 3.0526% | 2,625 |
| Loan and lease loss provision to assets | 0.0051% | 4,310 |
| Net operating income to assets | 0.9425% | 2,718 |
| Return on assets (ROA) | 0.9514% | 2,762 |
| Pretax return on assets | 1.4598% | 1,777 |
| Return on Equity (ROE) | 7.6152% | 3,395 |
| Retained earnings to average equity (ytd only) | 5.5552% | 2,706 |
| Net charge-offs to loans | -0.0246% | 5,671 |
| Credit loss provision to net charge-offs | -25.7143% | 5,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1685% | 4,193 |
| Assets per employee ($millions) | 3.2101% | 5,406 |
| Cash dividends to net income (ytd only)* | 27.0511% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9164% | 1,417 |
| Loan loss allowance to noncurrent loans | 76.9394% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 2.9449% | 812 |
| Noncurrent loans to loans | 2.4908% | 1,180 |
| Net loans and leases to total assets | 79.0650% | 824 |
| Net loans and leases to deposits | 93.1026% | 1,116 |
| Net loans and leases to core deposits | 97.6087% | 1,546 |
| Total domestic deposits to total assets | 84.9224% | 3,366 |
| Equity capital to assets | 12.8538% | 1,499 |
| Core capital (leverage) ratio | 12.8149% | 1,258 |
| Tier 1 risk-based capital ratio | 17.2078% | 2,523 |
| Total risk-based capital ratio | 18.4681% | 2,477 |
| Memoranda: | ||
| Average total assets | $235,728,500 | 2,665 |
| Average earning assets | $213,326,500 | 2,697 |
| Average equity | $29,449,250 | 2,317 |
| Average total loans | $189,679,500 | 2,133 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1304% | 578 |
| Cost of funding earning assets | 0.5840% | 2,034 |
| Net interest margin | 4.5463% | 641 |
| Noninterest income to average assets | 0.3277% | 4,792 |
| Noninterest expense to average assets | 3.0467% | 2,666 |
| Loan and lease loss provision to assets | 0.1338% | 1,849 |
| Net operating income to assets | 0.8188% | 3,238 |
| Return on assets (ROA) | 0.8188% | 3,335 |
| Pretax return on assets | 1.2473% | 2,466 |
| Return on Equity (ROE) | 6.6175% | 3,823 |
| Retained earnings to average equity (ytd only) | 4.7904% | 3,095 |
| Net charge-offs to loans | 0.0042% | 4,238 |
| Credit loss provision to net charge-offs | 3,950.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 407.7500% | 172 |
| Efficiency ratio | 67.1639% | 4,166 |
| Assets per employee ($millions) | 3.2417% | 5,354 |
| Cash dividends to net income (ytd only)* | 27.6112% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9675% | 1,422 |
| Loan loss allowance to noncurrent loans | 91.3544% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 2.8748% | 904 |
| Noncurrent loans to loans | 2.1537% | 1,538 |
| Net loans and leases to total assets | 78.5356% | 844 |
| Net loans and leases to deposits | 92.2566% | 1,117 |
| Net loans and leases to core deposits | 96.8049% | 1,537 |
| Total domestic deposits to total assets | 85.1274% | 3,444 |
| Equity capital to assets | 12.5201% | 1,627 |
| Core capital (leverage) ratio | 12.5128% | 1,382 |
| Tier 1 risk-based capital ratio | 16.8301% | 2,697 |
| Total risk-based capital ratio | 18.0911% | 2,655 |
| Memoranda: | ||
| Average total assets | $236,193,000 | 2,670 |
| Average earning assets | $213,006,670 | 2,704 |
| Average equity | $29,225,330 | 2,320 |
| Average total loans | $189,940,330 | 2,127 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1520% | 537 |
| Cost of funding earning assets | 0.5945% | 2,020 |
| Net interest margin | 4.5576% | 599 |
| Noninterest income to average assets | 0.2865% | 5,079 |
| Noninterest expense to average assets | 3.0513% | 2,690 |
| Loan and lease loss provision to assets | 0.2627% | 799 |
| Net operating income to assets | 0.7001% | 3,688 |
| Return on assets (ROA) | 0.7001% | 3,766 |
| Pretax return on assets | 1.0662% | 3,055 |
| Return on Equity (ROE) | 5.6918% | 4,189 |
| Retained earnings to average equity (ytd only) | 3.8451% | 3,819 |
| Net charge-offs to loans | -0.0084% | 4,982 |
| Credit loss provision to net charge-offs | -3,875.0000% | 5,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9954% | 4,183 |
| Assets per employee ($millions) | 3.1498% | 5,599 |
| Cash dividends to net income (ytd only)* | 32.4455% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9781% | 1,555 |
| Loan loss allowance to noncurrent loans | 84.4831% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 3.1845% | 853 |
| Noncurrent loans to loans | 2.3414% | 1,515 |
| Net loans and leases to total assets | 78.3475% | 726 |
| Net loans and leases to deposits | 91.8322% | 968 |
| Net loans and leases to core deposits | 96.6486% | 1,337 |
| Total domestic deposits to total assets | 85.3160% | 3,715 |
| Equity capital to assets | 12.3521% | 1,659 |
| Core capital (leverage) ratio | 12.4180% | 1,424 |
| Tier 1 risk-based capital ratio | 16.6303% | 2,839 |
| Total risk-based capital ratio | 17.8883% | 2,807 |
| Memoranda: | ||
| Average total assets | $235,968,000 | 2,681 |
| Average earning assets | $211,954,500 | 2,729 |
| Average equity | $29,024,000 | 2,322 |
| Average total loans | $190,121,000 | 2,134 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3585% | 476 |
| Cost of funding earning assets | 0.6713% | 2,031 |
| Net interest margin | 4.6871% | 520 |
| Noninterest income to average assets | 0.3405% | 4,881 |
| Noninterest expense to average assets | 2.9550% | 3,182 |
| Loan and lease loss provision to assets | 0.5755% | 445 |
| Net operating income to assets | 0.6531% | 4,015 |
| Return on assets (ROA) | 0.6531% | 4,118 |
| Pretax return on assets | 0.9957% | 3,367 |
| Return on Equity (ROE) | 5.5693% | 4,345 |
| Retained earnings to average equity (ytd only) | 3.7453% | 3,553 |
| Net charge-offs to loans | 0.8805% | 693 |
| Credit loss provision to net charge-offs | 79.8128% | 3,052 |
| Earnings coverage of net charge-offs (x) | 2.1791% | 4,303 |
| Efficiency ratio | 63.6931% | 4,960 |
| Assets per employee ($millions) | 3.1013% | 5,669 |
| Cash dividends to net income (ytd only)* | 32.7519% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8681% | 1,857 |
| Loan loss allowance to noncurrent loans | 100.7324% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 3.0072% | 1,049 |
| Noncurrent loans to loans | 1.8545% | 2,165 |
| Net loans and leases to total assets | 79.6971% | 626 |
| Net loans and leases to deposits | 93.4134% | 919 |
| Net loans and leases to core deposits | 98.1914% | 1,292 |
| Total domestic deposits to total assets | 85.3165% | 3,587 |
| Equity capital to assets | 12.2478% | 1,655 |
| Core capital (leverage) ratio | 12.3110% | 1,443 |
| Tier 1 risk-based capital ratio | 16.1540% | 3,029 |
| Total risk-based capital ratio | 17.4133% | 2,979 |
| Memoranda: | ||
| Average total assets | $237,018,600 | 2,648 |
| Average earning assets | $211,665,600 | 2,706 |
| Average equity | $27,795,000 | 2,395 |
| Average total loans | $194,100,800 | 2,056 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3808% | 458 |
| Cost of funding earning assets | 0.6798% | 2,101 |
| Net interest margin | 4.7010% | 516 |
| Noninterest income to average assets | 0.3224% | 5,105 |
| Noninterest expense to average assets | 2.9722% | 3,071 |
| Loan and lease loss provision to assets | 0.6370% | 362 |
| Net operating income to assets | 0.5887% | 4,399 |
| Return on assets (ROA) | 0.5887% | 4,527 |
| Pretax return on assets | 0.9010% | 3,878 |
| Return on Equity (ROE) | 5.0762% | 4,688 |
| Retained earnings to average equity (ytd only) | 3.0757% | 4,480 |
| Net charge-offs to loans | 1.1829% | 461 |
| Credit loss provision to net charge-offs | 65.6250% | 3,166 |
| Earnings coverage of net charge-offs (x) | 1.5845% | 4,308 |
| Efficiency ratio | 64.3044% | 4,751 |
| Assets per employee ($millions) | 3.1740% | 5,553 |
| Cash dividends to net income (ytd only)* | 39.4081% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7497% | 2,453 |
| Loan loss allowance to noncurrent loans | 61.0235% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 3.9272% | 803 |
| Noncurrent loans to loans | 2.8672% | 1,436 |
| Net loans and leases to total assets | 79.5418% | 601 |
| Net loans and leases to deposits | 94.2389% | 813 |
| Net loans and leases to core deposits | 99.5959% | 1,148 |
| Total domestic deposits to total assets | 84.4044% | 4,024 |
| Equity capital to assets | 11.8033% | 2,042 |
| Core capital (leverage) ratio | 12.1446% | 1,592 |
| Tier 1 risk-based capital ratio | 16.0547% | 3,167 |
| Total risk-based capital ratio | 17.3126% | 3,118 |
| Memoranda: | ||
| Average total assets | $237,348,250 | 2,660 |
| Average earning assets | $211,437,750 | 2,717 |
| Average equity | $27,526,750 | 2,437 |
| Average total loans | $194,770,500 | 2,053 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4153% | 437 |
| Cost of funding earning assets | 0.6847% | 2,182 |
| Net interest margin | 4.7306% | 477 |
| Noninterest income to average assets | 0.4518% | 4,151 |
| Noninterest expense to average assets | 2.9382% | 3,208 |
| Loan and lease loss provision to assets | 0.6348% | 392 |
| Net operating income to assets | 0.7087% | 3,762 |
| Return on assets (ROA) | 0.7087% | 3,934 |
| Pretax return on assets | 1.0849% | 3,155 |
| Return on Equity (ROE) | 6.1468% | 4,079 |
| Retained earnings to average equity (ytd only) | 4.1076% | 3,678 |
| Net charge-offs to loans | 0.5797% | 1,139 |
| Credit loss provision to net charge-offs | 132.8647% | 1,712 |
| Earnings coverage of net charge-offs (x) | 3.5993% | 3,350 |
| Efficiency ratio | 61.5288% | 5,241 |
| Assets per employee ($millions) | 3.3006% | 5,261 |
| Cash dividends to net income (ytd only)* | 33.1754% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0968% | 1,641 |
| Loan loss allowance to noncurrent loans | 54.7004% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 5.1017% | 599 |
| Noncurrent loans to loans | 3.8333% | 1,051 |
| Net loans and leases to total assets | 80.7111% | 467 |
| Net loans and leases to deposits | 96.0067% | 672 |
| Net loans and leases to core deposits | 101.4771% | 977 |
| Total domestic deposits to total assets | 84.0682% | 4,287 |
| Equity capital to assets | 11.6603% | 2,166 |
| Core capital (leverage) ratio | 11.8933% | 1,674 |
| Tier 1 risk-based capital ratio | 15.4533% | 3,506 |
| Total risk-based capital ratio | 16.7157% | 3,459 |
| Memoranda: | ||
| Average total assets | $238,173,000 | 2,666 |
| Average earning assets | $211,768,670 | 2,721 |
| Average equity | $27,461,330 | 2,460 |
| Average total loans | $196,310,670 | 2,039 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3280% | 484 |
| Cost of funding earning assets | 0.6923% | 2,288 |
| Net interest margin | 4.6356% | 536 |
| Noninterest income to average assets | 0.4764% | 3,947 |
| Noninterest expense to average assets | 2.9509% | 3,157 |
| Loan and lease loss provision to assets | 0.6341% | 393 |
| Net operating income to assets | 0.6475% | 3,974 |
| Return on assets (ROA) | 0.6475% | 4,135 |
| Pretax return on assets | 0.9915% | 3,389 |
| Return on Equity (ROE) | 5.6480% | 4,227 |
| Retained earnings to average equity (ytd only) | 3.5117% | 4,136 |
| Net charge-offs to loans | 0.1628% | 2,426 |
| Credit loss provision to net charge-offs | 472.5000% | 559 |
| Earnings coverage of net charge-offs (x) | 12.1125% | 1,626 |
| Efficiency ratio | 62.9032% | 5,166 |
| Assets per employee ($millions) | 3.2846% | 5,470 |
| Cash dividends to net income (ytd only)* | 37.8238% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1356% | 1,717 |
| Loan loss allowance to noncurrent loans | 38.5156% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 6.6592% | 442 |
| Noncurrent loans to loans | 5.5447% | 643 |
| Net loans and leases to total assets | 80.6334% | 372 |
| Net loans and leases to deposits | 96.5744% | 510 |
| Net loans and leases to core deposits | 102.0948% | 820 |
| Total domestic deposits to total assets | 83.4936% | 4,673 |
| Equity capital to assets | 11.4462% | 2,462 |
| Core capital (leverage) ratio | 11.7409% | 1,713 |
| Tier 1 risk-based capital ratio | 15.3072% | 3,648 |
| Total risk-based capital ratio | 16.5706% | 3,598 |
| Memoranda: | ||
| Average total assets | $238,437,500 | 2,690 |
| Average earning assets | $210,887,500 | 2,762 |
| Average equity | $27,337,000 | 2,501 |
| Average total loans | $196,509,500 | 2,054 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6004% | 511 |
| Cost of funding earning assets | 0.7984% | 2,680 |
| Net interest margin | 4.8020% | 535 |
| Noninterest income to average assets | 0.3527% | 4,944 |
| Noninterest expense to average assets | 2.8669% | 3,778 |
| Loan and lease loss provision to assets | 0.6294% | 858 |
| Net operating income to assets | 0.7460% | 3,532 |
| Return on assets (ROA) | 0.7517% | 3,747 |
| Pretax return on assets | 1.1628% | 2,939 |
| Return on Equity (ROE) | 6.6969% | 3,816 |
| Retained earnings to average equity (ytd only) | 5.2058% | 2,569 |
| Net charge-offs to loans | 0.7087% | 1,668 |
| Credit loss provision to net charge-offs | 109.1962% | 2,690 |
| Earnings coverage of net charge-offs (x) | 3.0941% | 3,886 |
| Efficiency ratio | 60.0162% | 5,538 |
| Assets per employee ($millions) | 3.2041% | 5,613 |
| Cash dividends to net income (ytd only)* | 22.2654% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0060% | 2,001 |
| Loan loss allowance to noncurrent loans | 60.1196% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 5.0485% | 762 |
| Noncurrent loans to loans | 3.3367% | 1,531 |
| Net loans and leases to total assets | 80.7846% | 398 |
| Net loans and leases to deposits | 95.9490% | 616 |
| Net loans and leases to core deposits | 101.6251% | 912 |
| Total domestic deposits to total assets | 84.1953% | 4,226 |
| Equity capital to assets | 11.4841% | 2,464 |
| Core capital (leverage) ratio | 11.7790% | 1,680 |
| Tier 1 risk-based capital ratio | 15.4645% | 3,448 |
| Total risk-based capital ratio | 16.7264% | 3,401 |
| Memoranda: | ||
| Average total assets | $239,598,200 | 2,639 |
| Average earning assets | $214,432,400 | 2,685 |
| Average equity | $26,893,200 | 2,491 |
| Average total loans | $194,850,600 | 2,047 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6219% | 539 |
| Cost of funding earning assets | 0.8229% | 2,753 |
| Net interest margin | 4.7990% | 563 |
| Noninterest income to average assets | 0.3735% | 4,840 |
| Noninterest expense to average assets | 2.8362% | 3,854 |
| Loan and lease loss provision to assets | 0.6283% | 845 |
| Net operating income to assets | 0.7734% | 3,584 |
| Return on assets (ROA) | 0.7798% | 3,791 |
| Pretax return on assets | 1.2238% | 2,897 |
| Return on Equity (ROE) | 6.9875% | 3,825 |
| Retained earnings to average equity (ytd only) | 5.6596% | 2,918 |
| Net charge-offs to loans | 0.8738% | 1,257 |
| Credit loss provision to net charge-offs | 88.7147% | 3,336 |
| Earnings coverage of net charge-offs (x) | 2.6011% | 4,000 |
| Efficiency ratio | 58.9750% | 5,663 |
| Assets per employee ($millions) | 3.1507% | 5,732 |
| Cash dividends to net income (ytd only)* | 19.0035% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9011% | 2,470 |
| Loan loss allowance to noncurrent loans | 54.2348% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 4.8484% | 928 |
| Noncurrent loans to loans | 3.5053% | 1,547 |
| Net loans and leases to total assets | 80.7835% | 447 |
| Net loans and leases to deposits | 94.6814% | 740 |
| Net loans and leases to core deposits | 100.3746% | 1,096 |
| Total domestic deposits to total assets | 85.3214% | 3,607 |
| Equity capital to assets | 11.7294% | 2,504 |
| Core capital (leverage) ratio | 11.6362% | 1,882 |
| Tier 1 risk-based capital ratio | 15.3537% | 3,619 |
| Total risk-based capital ratio | 16.6137% | 3,572 |
| Memoranda: | ||
| Average total assets | $240,222,500 | 2,649 |
| Average earning assets | $215,484,250 | 2,691 |
| Average equity | $26,809,250 | 2,517 |
| Average total loans | $194,697,750 | 2,082 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6031% | 571 |
| Cost of funding earning assets | 0.8431% | 2,856 |
| Net interest margin | 4.7600% | 600 |
| Noninterest income to average assets | 0.3685% | 4,885 |
| Noninterest expense to average assets | 2.8040% | 4,007 |
| Loan and lease loss provision to assets | 0.6225% | 933 |
| Net operating income to assets | 0.7630% | 3,541 |
| Return on assets (ROA) | 0.7725% | 3,778 |
| Pretax return on assets | 1.2301% | 2,804 |
| Return on Equity (ROE) | 7.0372% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.0308% | 2,697 |
| Net charge-offs to loans | 1.1258% | 963 |
| Credit loss provision to net charge-offs | 68.5740% | 3,602 |
| Earnings coverage of net charge-offs (x) | 2.0245% | 3,977 |
| Efficiency ratio | 58.7389% | 5,768 |
| Assets per employee ($millions) | 3.2183% | 5,611 |
| Cash dividends to net income (ytd only)* | 14.3010% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 2,946 |
| Loan loss allowance to noncurrent loans | 48.6525% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 4.9505% | 970 |
| Noncurrent loans to loans | 3.6444% | 1,568 |
| Net loans and leases to total assets | 80.2067% | 481 |
| Net loans and leases to deposits | 93.6096% | 809 |
| Net loans and leases to core deposits | 99.2590% | 1,147 |
| Total domestic deposits to total assets | 85.6821% | 3,517 |
| Equity capital to assets | 11.3405% | 2,742 |
| Core capital (leverage) ratio | 11.2968% | 2,049 |
| Tier 1 risk-based capital ratio | 15.1262% | 3,683 |
| Total risk-based capital ratio | 16.3845% | 3,644 |
| Memoranda: | ||
| Average total assets | $242,580,330 | 2,629 |
| Average earning assets | $217,771,000 | 2,672 |
| Average equity | $26,630,000 | 2,515 |
| Average total loans | $195,598,330 | 2,067 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6532% | 567 |
| Cost of funding earning assets | 0.8679% | 2,938 |
| Net interest margin | 4.7853% | 583 |
| Noninterest income to average assets | 0.3824% | 4,809 |
| Noninterest expense to average assets | 2.7893% | 4,077 |
| Loan and lease loss provision to assets | 0.6160% | 917 |
| Net operating income to assets | 0.7996% | 3,383 |
| Return on assets (ROA) | 0.8007% | 3,608 |
| Pretax return on assets | 1.2762% | 2,625 |
| Return on Equity (ROE) | 7.4127% | 3,555 |
| Retained earnings to average equity (ytd only) | 7.4127% | 2,223 |
| Net charge-offs to loans | 1.4967% | 671 |
| Credit loss provision to net charge-offs | 51.3624% | 3,257 |
| Earnings coverage of net charge-offs (x) | 1.5763% | 3,544 |
| Efficiency ratio | 57.9609% | 5,922 |
| Assets per employee ($millions) | 3.3451% | 5,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7548% | 3,146 |
| Loan loss allowance to noncurrent loans | 63.5020% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 4.1229% | 1,329 |
| Noncurrent loans to loans | 2.7634% | 2,350 |
| Net loans and leases to total assets | 79.9168% | 411 |
| Net loans and leases to deposits | 93.0137% | 726 |
| Net loans and leases to core deposits | 98.6616% | 1,076 |
| Total domestic deposits to total assets | 85.9193% | 3,578 |
| Equity capital to assets | 11.0792% | 2,819 |
| Core capital (leverage) ratio | 11.0078% | 2,254 |
| Tier 1 risk-based capital ratio | 14.4298% | 4,164 |
| Total risk-based capital ratio | 15.6756% | 4,131 |
| Memoranda: | ||
| Average total assets | $244,792,500 | 2,614 |
| Average earning assets | $219,839,500 | 2,652 |
| Average equity | $26,441,000 | 2,532 |
| Average total loans | $196,165,000 | 2,071 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7957% | 650 |
| Cost of funding earning assets | 1.1806% | 2,159 |
| Net interest margin | 4.6151% | 890 |
| Noninterest income to average assets | 0.3434% | 5,066 |
| Noninterest expense to average assets | 2.6485% | 4,928 |
| Loan and lease loss provision to assets | 1.0823% | 841 |
| Net operating income to assets | 0.5303% | 4,308 |
| Return on assets (ROA) | 0.5306% | 4,501 |
| Pretax return on assets | 0.8091% | 3,948 |
| Return on Equity (ROE) | 5.0119% | 4,388 |
| Retained earnings to average equity (ytd only) | 2.8798% | 4,201 |
| Net charge-offs to loans | 0.9476% | 1,836 |
| Credit loss provision to net charge-offs | 139.2167% | 2,124 |
| Earnings coverage of net charge-offs (x) | 2.4324% | 3,998 |
| Efficiency ratio | 56.6714% | 6,230 |
| Assets per employee ($millions) | 3.4074% | 5,230 |
| Cash dividends to net income (ytd only)* | 42.5402% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9316% | 2,473 |
| Loan loss allowance to noncurrent loans | 56.7879% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 4.1526% | 1,367 |
| Noncurrent loans to loans | 3.4015% | 1,898 |
| Net loans and leases to total assets | 77.4392% | 781 |
| Net loans and leases to deposits | 92.1825% | 954 |
| Net loans and leases to core deposits | 98.0090% | 1,330 |
| Total domestic deposits to total assets | 84.0064% | 4,313 |
| Equity capital to assets | 10.5324% | 3,497 |
| Core capital (leverage) ratio | 10.5477% | 2,666 |
| Tier 1 risk-based capital ratio | 14.0570% | 4,287 |
| Total risk-based capital ratio | 15.3055% | 4,239 |
| Memoranda: | ||
| Average total assets | $246,327,600 | 2,565 |
| Average earning assets | $223,960,800 | 2,566 |
| Average equity | $26,077,800 | 2,472 |
| Average total loans | $202,081,600 | 2,025 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8361% | 656 |
| Cost of funding earning assets | 1.2318% | 2,106 |
| Net interest margin | 4.6042% | 933 |
| Noninterest income to average assets | 0.4221% | 4,497 |
| Noninterest expense to average assets | 2.6159% | 5,020 |
| Loan and lease loss provision to assets | 1.2002% | 652 |
| Net operating income to assets | 0.4934% | 4,572 |
| Return on assets (ROA) | 0.4938% | 4,761 |
| Pretax return on assets | 0.8047% | 4,109 |
| Return on Equity (ROE) | 4.6580% | 4,693 |
| Retained earnings to average equity (ytd only) | 1.8120% | 5,229 |
| Net charge-offs to loans | 1.2265% | 1,271 |
| Credit loss provision to net charge-offs | 118.1624% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.9733% | 4,175 |
| Efficiency ratio | 54.9736% | 6,388 |
| Assets per employee ($millions) | 3.4404% | 5,144 |
| Cash dividends to net income (ytd only)* | 61.0987% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 3,287 |
| Loan loss allowance to noncurrent loans | 50.5531% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 3.2341% | 1,970 |
| Noncurrent loans to loans | 3.3547% | 2,058 |
| Net loans and leases to total assets | 79.1410% | 594 |
| Net loans and leases to deposits | 94.0550% | 833 |
| Net loans and leases to core deposits | 99.6088% | 1,285 |
| Total domestic deposits to total assets | 84.1433% | 4,160 |
| Equity capital to assets | 10.6457% | 3,517 |
| Core capital (leverage) ratio | 10.3691% | 3,013 |
| Tier 1 risk-based capital ratio | 13.8233% | 4,486 |
| Total risk-based capital ratio | 15.0806% | 4,445 |
| Memoranda: | ||
| Average total assets | $245,725,250 | 2,579 |
| Average earning assets | $224,049,250 | 2,579 |
| Average equity | $26,047,750 | 2,473 |
| Average total loans | $203,498,500 | 2,032 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8990% | 582 |
| Cost of funding earning assets | 1.2771% | 2,078 |
| Net interest margin | 4.6219% | 873 |
| Noninterest income to average assets | 0.4097% | 4,600 |
| Noninterest expense to average assets | 2.6703% | 4,940 |
| Loan and lease loss provision to assets | 1.4355% | 502 |
| Net operating income to assets | 0.3862% | 5,017 |
| Return on assets (ROA) | 0.3868% | 5,152 |
| Pretax return on assets | 0.5133% | 5,017 |
| Return on Equity (ROE) | 3.6545% | 5,089 |
| Retained earnings to average equity (ytd only) | -0.4009% | 5,928 |
| Net charge-offs to loans | 1.7095% | 838 |
| Credit loss provision to net charge-offs | 100.4569% | 3,088 |
| Earnings coverage of net charge-offs (x) | 1.3632% | 4,259 |
| Efficiency ratio | 56.1760% | 6,405 |
| Assets per employee ($millions) | 3.4367% | 5,106 |
| Cash dividends to net income (ytd only)* | 110.9705% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 4,098 |
| Loan loss allowance to noncurrent loans | 44.9602% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 3.3257% | 1,995 |
| Noncurrent loans to loans | 3.3538% | 2,125 |
| Net loans and leases to total assets | 80.5403% | 488 |
| Net loans and leases to deposits | 95.7306% | 747 |
| Net loans and leases to core deposits | 101.2447% | 1,236 |
| Total domestic deposits to total assets | 84.1323% | 4,291 |
| Equity capital to assets | 10.4833% | 3,528 |
| Core capital (leverage) ratio | 10.2613% | 2,962 |
| Tier 1 risk-based capital ratio | 13.4227% | 4,592 |
| Total risk-based capital ratio | 14.6709% | 4,579 |
| Memoranda: | ||
| Average total assets | $245,065,000 | 2,602 |
| Average earning assets | $223,156,330 | 2,608 |
| Average equity | $25,940,330 | 2,471 |
| Average total loans | $204,858,330 | 2,037 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8946% | 604 |
| Cost of funding earning assets | 1.3309% | 2,005 |
| Net interest margin | 4.5637% | 930 |
| Noninterest income to average assets | 0.4068% | 4,658 |
| Noninterest expense to average assets | 2.6341% | 5,099 |
| Loan and lease loss provision to assets | 0.7446% | 1,138 |
| Net operating income to assets | 0.7299% | 3,380 |
| Return on assets (ROA) | 0.7299% | 3,443 |
| Pretax return on assets | 1.1842% | 2,433 |
| Return on Equity (ROE) | 6.8619% | 3,460 |
| Retained earnings to average equity (ytd only) | -0.2159% | 5,829 |
| Net charge-offs to loans | 0.3901% | 2,518 |
| Credit loss provision to net charge-offs | 225.8706% | 1,349 |
| Earnings coverage of net charge-offs (x) | 5.8507% | 2,201 |
| Efficiency ratio | 56.0748% | 6,495 |
| Assets per employee ($millions) | 3.4300% | 5,166 |
| Cash dividends to net income (ytd only)* | 103.1461% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 3,699 |
| Loan loss allowance to noncurrent loans | 49.5267% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 3.3684% | 2,025 |
| Noncurrent loans to loans | 3.2438% | 2,318 |
| Net loans and leases to total assets | 82.8912% | 284 |
| Net loans and leases to deposits | 97.2014% | 615 |
| Net loans and leases to core deposits | 103.1155% | 1,122 |
| Total domestic deposits to total assets | 85.2778% | 3,899 |
| Equity capital to assets | 10.6492% | 3,041 |
| Core capital (leverage) ratio | 10.2939% | 2,809 |
| Tier 1 risk-based capital ratio | 13.4099% | 4,493 |
| Total risk-based capital ratio | 14.6621% | 4,475 |
| Memoranda: | ||
| Average total assets | $243,877,500 | 2,628 |
| Average earning assets | $222,102,000 | 2,635 |
| Average equity | $25,940,500 | 2,452 |
| Average total loans | $206,117,500 | 2,041 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3119% | 451 |
| Cost of funding earning assets | 1.6164% | 1,972 |
| Net interest margin | 4.6954% | 827 |
| Noninterest income to average assets | 0.4409% | 4,588 |
| Noninterest expense to average assets | 2.9711% | 3,953 |
| Loan and lease loss provision to assets | 0.7429% | 2,208 |
| Net operating income to assets | 0.6116% | 3,620 |
| Return on assets (ROA) | 0.6116% | 3,787 |
| Pretax return on assets | 1.0038% | 2,921 |
| Return on Equity (ROE) | 5.8180% | 3,690 |
| Retained earnings to average equity (ytd only) | 1.7551% | 4,627 |
| Net charge-offs to loans | 0.5302% | 3,504 |
| Credit loss provision to net charge-offs | 165.2803% | 2,077 |
| Earnings coverage of net charge-offs (x) | 3.8861% | 3,147 |
| Efficiency ratio | 61.3403% | 5,839 |
| Assets per employee ($millions) | 3.3920% | 5,195 |
| Cash dividends to net income (ytd only)* | 69.8339% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 4,189 |
| Loan loss allowance to noncurrent loans | 61.3508% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 2.5378% | 2,729 |
| Noncurrent loans to loans | 2.3953% | 3,124 |
| Net loans and leases to total assets | 83.5422% | 341 |
| Net loans and leases to deposits | 97.9266% | 725 |
| Net loans and leases to core deposits | 103.9161% | 1,321 |
| Total domestic deposits to total assets | 85.3111% | 3,713 |
| Equity capital to assets | 10.6242% | 3,044 |
| Core capital (leverage) ratio | 10.2623% | 2,804 |
| Tier 1 risk-based capital ratio | 13.3217% | 4,357 |
| Total risk-based capital ratio | 14.5779% | 4,314 |
| Memoranda: | ||
| Average total assets | $246,072,000 | 2,585 |
| Average earning assets | $224,133,400 | 2,581 |
| Average equity | $25,867,800 | 2,471 |
| Average total loans | $208,596,800 | 2,085 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2991% | 509 |
| Cost of funding earning assets | 1.6683% | 2,014 |
| Net interest margin | 4.6308% | 978 |
| Noninterest income to average assets | 0.4245% | 4,767 |
| Noninterest expense to average assets | 2.8793% | 4,165 |
| Loan and lease loss provision to assets | 0.7431% | 2,056 |
| Net operating income to assets | 0.6357% | 3,721 |
| Return on assets (ROA) | 0.6360% | 3,890 |
| Pretax return on assets | 1.0211% | 3,107 |
| Return on Equity (ROE) | 6.0661% | 3,780 |
| Retained earnings to average equity (ytd only) | 2.1510% | 4,887 |
| Net charge-offs to loans | 0.5691% | 3,046 |
| Credit loss provision to net charge-offs | 154.0359% | 2,501 |
| Earnings coverage of net charge-offs (x) | 3.6558% | 3,350 |
| Efficiency ratio | 60.3145% | 5,903 |
| Assets per employee ($millions) | 3.5262% | 4,909 |
| Cash dividends to net income (ytd only)* | 64.5405% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 4,751 |
| Loan loss allowance to noncurrent loans | 61.2762% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 2.3456% | 3,028 |
| Noncurrent loans to loans | 2.1876% | 3,464 |
| Net loans and leases to total assets | 84.8215% | 278 |
| Net loans and leases to deposits | 99.4530% | 692 |
| Net loans and leases to core deposits | 105.7022% | 1,351 |
| Total domestic deposits to total assets | 85.2880% | 3,471 |
| Equity capital to assets | 10.7297% | 3,254 |
| Core capital (leverage) ratio | 10.2179% | 3,023 |
| Tier 1 risk-based capital ratio | 13.1574% | 4,450 |
| Total risk-based capital ratio | 14.4106% | 4,432 |
| Memoranda: | ||
| Average total assets | $246,533,750 | 2,610 |
| Average earning assets | $224,577,500 | 2,610 |
| Average equity | $25,848,000 | 2,507 |
| Average total loans | $208,977,500 | 2,110 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3059% | 508 |
| Cost of funding earning assets | 1.7275% | 1,983 |
| Net interest margin | 4.5784% | 1,042 |
| Noninterest income to average assets | 0.4176% | 4,773 |
| Noninterest expense to average assets | 2.8335% | 4,347 |
| Loan and lease loss provision to assets | 0.7213% | 2,021 |
| Net operating income to assets | 0.6349% | 3,709 |
| Return on assets (ROA) | 0.6349% | 3,846 |
| Pretax return on assets | 1.0307% | 3,005 |
| Return on Equity (ROE) | 6.1020% | 3,760 |
| Retained earnings to average equity (ytd only) | 1.1179% | 5,316 |
| Net charge-offs to loans | 0.5706% | 2,831 |
| Credit loss provision to net charge-offs | 149.8322% | 2,627 |
| Earnings coverage of net charge-offs (x) | 3.6393% | 3,232 |
| Efficiency ratio | 60.0846% | 6,032 |
| Assets per employee ($millions) | 3.4149% | 5,144 |
| Cash dividends to net income (ytd only)* | 81.6794% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 5,144 |
| Loan loss allowance to noncurrent loans | 88.0000% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 1.6976% | 3,895 |
| Noncurrent loans to loans | 1.4279% | 4,568 |
| Net loans and leases to total assets | 83.6751% | 379 |
| Net loans and leases to deposits | 97.7410% | 899 |
| Net loans and leases to core deposits | 103.1930% | 1,716 |
| Total domestic deposits to total assets | 85.6090% | 3,310 |
| Equity capital to assets | 10.5008% | 3,406 |
| Core capital (leverage) ratio | 9.9498% | 3,223 |
| Tier 1 risk-based capital ratio | 13.1823% | 4,294 |
| Total risk-based capital ratio | 14.4345% | 4,253 |
| Memoranda: | ||
| Average total assets | $247,610,000 | 2,625 |
| Average earning assets | $225,407,670 | 2,621 |
| Average equity | $25,762,000 | 2,506 |
| Average total loans | $208,910,330 | 2,137 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1990% | 643 |
| Cost of funding earning assets | 1.7898% | 1,920 |
| Net interest margin | 4.4091% | 1,364 |
| Noninterest income to average assets | 0.4266% | 4,687 |
| Noninterest expense to average assets | 2.8252% | 4,391 |
| Loan and lease loss provision to assets | 0.8081% | 1,560 |
| Net operating income to assets | 0.4974% | 4,402 |
| Return on assets (ROA) | 0.4974% | 4,541 |
| Pretax return on assets | 0.8065% | 3,839 |
| Return on Equity (ROE) | 4.8031% | 4,473 |
| Retained earnings to average equity (ytd only) | 1.9896% | 4,939 |
| Net charge-offs to loans | 0.7668% | 1,975 |
| Credit loss provision to net charge-offs | 125.1870% | 2,803 |
| Earnings coverage of net charge-offs (x) | 2.5012% | 3,288 |
| Efficiency ratio | 61.8564% | 5,858 |
| Assets per employee ($millions) | 3.5108% | 5,003 |
| Cash dividends to net income (ytd only)* | 58.5761% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 5,725 |
| Loan loss allowance to noncurrent loans | 66.2654% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.8506% | 3,707 |
| Noncurrent loans to loans | 1.7477% | 4,128 |
| Net loans and leases to total assets | 82.9263% | 478 |
| Net loans and leases to deposits | 96.6006% | 1,035 |
| Net loans and leases to core deposits | 101.4528% | 1,974 |
| Total domestic deposits to total assets | 85.8445% | 3,235 |
| Equity capital to assets | 10.3479% | 3,412 |
| Core capital (leverage) ratio | 9.9483% | 3,228 |
| Tier 1 risk-based capital ratio | 12.9345% | 4,384 |
| Total risk-based capital ratio | 14.1849% | 4,358 |
| Memoranda: | ||
| Average total assets | $248,477,000 | 2,668 |
| Average earning assets | $226,167,000 | 2,675 |
| Average equity | $25,733,500 | 2,538 |
| Average total loans | $209,188,000 | 2,184 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6671% | 501 |
| Cost of funding earning assets | 2.0758% | 2,597 |
| Net interest margin | 4.5913% | 999 |
| Noninterest income to average assets | 0.5486% | 4,034 |
| Noninterest expense to average assets | 2.7265% | 5,265 |
| Loan and lease loss provision to assets | 0.4846% | 3,945 |
| Net operating income to assets | 0.9779% | 1,915 |
| Return on assets (ROA) | 0.9795% | 1,964 |
| Pretax return on assets | 1.5276% | 1,120 |
| Return on Equity (ROE) | 9.5582% | 1,837 |
| Retained earnings to average equity (ytd only) | 5.8091% | 1,423 |
| Net charge-offs to loans | 0.4807% | 3,851 |
| Credit loss provision to net charge-offs | 118.7247% | 4,531 |
| Earnings coverage of net charge-offs (x) | 4.9241% | 2,751 |
| Efficiency ratio | 55.8744% | 7,036 |
| Assets per employee ($millions) | 3.5897% | 4,809 |
| Cash dividends to net income (ytd only)* | 39.2240% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,853 |
| Loan loss allowance to noncurrent loans | 101.6200% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.2249% | 4,653 |
| Noncurrent loans to loans | 1.0915% | 5,140 |
| Net loans and leases to total assets | 83.5429% | 485 |
| Net loans and leases to deposits | 97.3110% | 1,176 |
| Net loans and leases to core deposits | 119.3725% | 1,994 |
| Total domestic deposits to total assets | 85.8515% | 3,082 |
| Equity capital to assets | 10.3651% | 3,326 |
| Core capital (leverage) ratio | 9.9081% | 3,183 |
| Tier 1 risk-based capital ratio | 12.8877% | 4,219 |
| Total risk-based capital ratio | 14.1183% | 4,187 |
| Memoranda: | ||
| Average total assets | $242,071,600 | 2,698 |
| Average earning assets | $220,786,800 | 2,696 |
| Average equity | $24,806,000 | 2,628 |
| Average total loans | $205,543,600 | 2,251 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6907% | 518 |
| Cost of funding earning assets | 2.1059% | 2,864 |
| Net interest margin | 4.5848% | 1,010 |
| Noninterest income to average assets | 0.5224% | 4,299 |
| Noninterest expense to average assets | 2.7916% | 4,930 |
| Loan and lease loss provision to assets | 0.4155% | 3,828 |
| Net operating income to assets | 0.9285% | 2,312 |
| Return on assets (ROA) | 0.9285% | 2,379 |
| Pretax return on assets | 1.5019% | 1,413 |
| Return on Equity (ROE) | 9.0878% | 2,231 |
| Retained earnings to average equity (ytd only) | 5.4982% | 2,204 |
| Net charge-offs to loans | 0.3936% | 3,695 |
| Credit loss provision to net charge-offs | 124.1722% | 4,060 |
| Earnings coverage of net charge-offs (x) | 5.7302% | 2,747 |
| Efficiency ratio | 57.5647% | 6,779 |
| Assets per employee ($millions) | 3.5575% | 4,793 |
| Cash dividends to net income (ytd only)* | 39.4986% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 5,724 |
| Loan loss allowance to noncurrent loans | 74.3322% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.5725% | 3,998 |
| Noncurrent loans to loans | 1.4800% | 4,452 |
| Net loans and leases to total assets | 83.5752% | 595 |
| Net loans and leases to deposits | 97.4635% | 1,384 |
| Net loans and leases to core deposits | 119.2107% | 2,315 |
| Total domestic deposits to total assets | 85.7502% | 2,831 |
| Equity capital to assets | 10.2351% | 3,804 |
| Core capital (leverage) ratio | 9.9175% | 3,381 |
| Tier 1 risk-based capital ratio | 12.8287% | 4,306 |
| Total risk-based capital ratio | 14.0570% | 4,260 |
| Memoranda: | ||
| Average total assets | $240,667,750 | 2,727 |
| Average earning assets | $219,762,500 | 2,726 |
| Average equity | $24,589,250 | 2,680 |
| Average total loans | $204,618,000 | 2,275 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7662% | 480 |
| Cost of funding earning assets | 2.1264% | 3,156 |
| Net interest margin | 4.6398% | 889 |
| Noninterest income to average assets | 0.5045% | 4,407 |
| Noninterest expense to average assets | 2.8151% | 4,896 |
| Loan and lease loss provision to assets | 0.4467% | 3,301 |
| Net operating income to assets | 0.9119% | 2,412 |
| Return on assets (ROA) | 0.9119% | 2,509 |
| Pretax return on assets | 1.4757% | 1,511 |
| Return on Equity (ROE) | 8.9304% | 2,384 |
| Retained earnings to average equity (ytd only) | 4.6864% | 2,692 |
| Net charge-offs to loans | 0.4939% | 2,853 |
| Credit loss provision to net charge-offs | 106.1630% | 4,339 |
| Earnings coverage of net charge-offs (x) | 4.5686% | 3,062 |
| Efficiency ratio | 57.7079% | 6,907 |
| Assets per employee ($millions) | 3.4636% | 4,912 |
| Cash dividends to net income (ytd only)* | 47.5229% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 5,908 |
| Loan loss allowance to noncurrent loans | 69.8582% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.5624% | 3,883 |
| Noncurrent loans to loans | 1.5030% | 4,241 |
| Net loans and leases to total assets | 84.2305% | 604 |
| Net loans and leases to deposits | 98.4150% | 1,464 |
| Net loans and leases to core deposits | 120.0578% | 2,366 |
| Total domestic deposits to total assets | 85.5871% | 2,968 |
| Equity capital to assets | 10.1762% | 3,746 |
| Core capital (leverage) ratio | 9.7523% | 3,571 |
| Tier 1 risk-based capital ratio | 12.5447% | 4,493 |
| Total risk-based capital ratio | 13.7094% | 4,475 |
| Memoranda: | ||
| Average total assets | $239,067,000 | 2,761 |
| Average earning assets | $218,112,670 | 2,763 |
| Average equity | $24,411,000 | 2,708 |
| Average total loans | $203,679,330 | 2,312 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8068% | 476 |
| Cost of funding earning assets | 2.1365% | 3,488 |
| Net interest margin | 4.6703% | 817 |
| Noninterest income to average assets | 0.4600% | 4,682 |
| Noninterest expense to average assets | 2.7096% | 4,955 |
| Loan and lease loss provision to assets | 0.2595% | 3,889 |
| Net operating income to assets | 1.0818% | 2,025 |
| Return on assets (ROA) | 1.0818% | 2,155 |
| Pretax return on assets | 1.7491% | 1,083 |
| Return on Equity (ROE) | 10.5764% | 2,103 |
| Retained earnings to average equity (ytd only) | 6.0625% | 2,594 |
| Net charge-offs to loans | 0.5852% | 2,005 |
| Credit loss provision to net charge-offs | 52.0270% | 4,646 |
| Earnings coverage of net charge-offs (x) | 4.0270% | 3,002 |
| Efficiency ratio | 55.6786% | 7,007 |
| Assets per employee ($millions) | 3.4707% | 4,891 |
| Cash dividends to net income (ytd only)* | 42.6791% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 6,353 |
| Loan loss allowance to noncurrent loans | 91.8048% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.0401% | 4,611 |
| Noncurrent loans to loans | 1.0605% | 4,866 |
| Net loans and leases to total assets | 83.4762% | 776 |
| Net loans and leases to deposits | 99.7320% | 1,448 |
| Net loans and leases to core deposits | 121.4762% | 2,294 |
| Total domestic deposits to total assets | 83.7005% | 3,843 |
| Equity capital to assets | 10.0724% | 3,915 |
| Core capital (leverage) ratio | 9.8389% | 3,592 |
| Tier 1 risk-based capital ratio | 12.4233% | 4,593 |
| Total risk-based capital ratio | 13.4961% | 4,658 |
| Memoranda: | ||
| Average total assets | $237,376,000 | 2,796 |
| Average earning assets | $216,431,500 | 2,801 |
| Average equity | $24,280,500 | 2,733 |
| Average total loans | $202,327,500 | 2,341 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4785% | 429 |
| Cost of funding earning assets | 2.4452% | 4,506 |
| Net interest margin | 5.0333% | 471 |
| Noninterest income to average assets | 0.5271% | 4,410 |
| Noninterest expense to average assets | 2.6647% | 5,398 |
| Loan and lease loss provision to assets | 0.2182% | 4,706 |
| Net operating income to assets | 1.3974% | 1,238 |
| Return on assets (ROA) | 1.4133% | 1,156 |
| Pretax return on assets | 2.2557% | 352 |
| Return on Equity (ROE) | 13.4434% | 1,227 |
| Retained earnings to average equity (ytd only) | 2.9379% | 3,347 |
| Net charge-offs to loans | 0.2252% | 3,984 |
| Credit loss provision to net charge-offs | 117.3210% | 4,587 |
| Earnings coverage of net charge-offs (x) | 13.1663% | 2,161 |
| Efficiency ratio | 50.5796% | 7,620 |
| Assets per employee ($millions) | 3.2194% | 5,429 |
| Cash dividends to net income (ytd only)* | 78.1459% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 5,490 |
| Loan loss allowance to noncurrent loans | 68.2864% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 1.3999% | 3,397 |
| Noncurrent loans to loans | 1.5651% | 3,436 |
| Net loans and leases to total assets | 85.2968% | 686 |
| Net loans and leases to deposits | 101.4886% | 1,646 |
| Net loans and leases to core deposits | 124.1066% | 2,318 |
| Total domestic deposits to total assets | 84.0457% | 3,304 |
| Equity capital to assets | 10.3926% | 3,622 |
| Core capital (leverage) ratio | 9.9991% | 3,450 |
| Tier 1 risk-based capital ratio | 12.7860% | 4,234 |
| Total risk-based capital ratio | 13.9911% | 4,182 |
| Memoranda: | ||
| Average total assets | $232,784,200 | 2,731 |
| Average earning assets | $212,128,400 | 2,748 |
| Average equity | $24,473,000 | 2,691 |
| Average total loans | $192,272,400 | 2,370 |