Home > The National Bank of Coxsackie > Performance and Condition Ratios
The National Bank of Coxsackie, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0304% | 23 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 247,397.0000% | 7 |
| Cost of funding earning assets | 260.0000% | 16 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0075% | 4,525 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.2296% | 4,138 |
| Pretax return on assets | 0.2563% | 4,135 |
| Return on Equity (ROE) | 3.7300% | 3,929 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0002% | 2,908 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0539% | 2,827 |
| Efficiency ratio | 12.9598% | 4,543 |
| Assets per employee ($millions) | 0.1100% | 4,558 |
| Cash dividends to net income (ytd only)* | 1.0000% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 24.0000% | 8 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 2.0000% | 144 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 8,745.0000% | 15 |
| Total domestic deposits to total assets | 19.0000% | 4,502 |
| Equity capital to assets | 42,552.0000% | 17 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,413,000 | 4,597 |
| Average earning assets | $4,290 | 4,577 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8818% | 4,025 |
| Cost of funding earning assets | 1.3344% | 2,046 |
| Net interest margin | 2.5475% | 4,089 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.3444% | 2,668 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.2650% | 4,160 |
| Return on assets (ROA) | 0.2637% | 4,163 |
| Pretax return on assets | 0.2990% | 4,167 |
| Return on Equity (ROE) | 4.4200% | 3,915 |
| Retained earnings to average equity (ytd only) | 2.9823% | 3,518 |
| Net charge-offs to loans | -0.0048% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.0623% | 473 |
| Assets per employee ($millions) | 6.8891% | 2,043 |
| Cash dividends to net income (ytd only)* | 32.6004% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,259 |
| Loan loss allowance to noncurrent loans | 612.3810% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 2,817 |
| Noncurrent loans to loans | 0.1665% | 2,706 |
| Net loans and leases to total assets | 67.1300% | 2,150 |
| Net loans and leases to deposits | 82.2568% | 1,888 |
| Net loans and leases to core deposits | 89.9525% | 1,933 |
| Total domestic deposits to total assets | 81.6100% | 3,293 |
| Equity capital to assets | 5.7643% | 4,065 |
| Core capital (leverage) ratio | 8.1782% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1565% | 1,278 |
| Memoranda: | ||
| Average total assets | $528,907,250 | 1,669 |
| Average earning assets | $506,688,000 | 1,613 |
| Average equity | $31,519,000 | 2,190 |
| Average total loans | $361,140,500 | 1,570 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 3,975 |
| Cost of funding earning assets | 1.2062% | 1,969 |
| Net interest margin | 2.6291% | 4,072 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.3998% | 2,485 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.2809% | 4,180 |
| Return on assets (ROA) | 0.2789% | 4,215 |
| Pretax return on assets | 0.3163% | 4,211 |
| Return on Equity (ROE) | 4.6300% | 3,938 |
| Retained earnings to average equity (ytd only) | 2.9901% | 3,482 |
| Net charge-offs to loans | -0.0068% | 3,791 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.5638% | 474 |
| Assets per employee ($millions) | 6.2735% | 2,490 |
| Cash dividends to net income (ytd only)* | 35.3591% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,233 |
| Loan loss allowance to noncurrent loans | 610.9149% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 2,709 |
| Noncurrent loans to loans | 0.1706% | 2,623 |
| Net loans and leases to total assets | 68.5700% | 1,902 |
| Net loans and leases to deposits | 90.5484% | 1,139 |
| Net loans and leases to core deposits | 95.7798% | 1,477 |
| Total domestic deposits to total assets | 75.7300% | 4,069 |
| Equity capital to assets | 5.9333% | 4,179 |
| Core capital (leverage) ratio | 7.9400% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7466% | 1,374 |
| Memoranda: | ||
| Average total assets | $519,202,667 | 1,685 |
| Average earning assets | $497,744,333 | 1,643 |
| Average equity | $31,303,333 | 2,207 |
| Average total loans | $355,361,667 | 1,580 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7558% | 3,933 |
| Cost of funding earning assets | 1.0604% | 1,857 |
| Net interest margin | 2.6954% | 4,077 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.4288% | 2,444 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.3091% | 4,239 |
| Return on assets (ROA) | 0.3051% | 4,205 |
| Pretax return on assets | 0.3516% | 4,203 |
| Return on Equity (ROE) | 5.0200% | 3,885 |
| Retained earnings to average equity (ytd only) | 4.1377% | 3,232 |
| Net charge-offs to loans | -0.0057% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.5385% | 526 |
| Assets per employee ($millions) | 6.4707% | 2,357 |
| Cash dividends to net income (ytd only)* | 17.5573% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,327 |
| Loan loss allowance to noncurrent loans | 1,371.3235% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 3,262 |
| Noncurrent loans to loans | 0.0761% | 3,195 |
| Net loans and leases to total assets | 67.5300% | 1,896 |
| Net loans and leases to deposits | 83.4900% | 1,536 |
| Net loans and leases to core deposits | 87.8321% | 1,753 |
| Total domestic deposits to total assets | 80.8800% | 3,650 |
| Equity capital to assets | 6.2315% | 4,127 |
| Core capital (leverage) ratio | 8.0326% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0116% | 1,366 |
| Memoranda: | ||
| Average total assets | $515,318,000 | 1,715 |
| Average earning assets | $494,920,000 | 1,669 |
| Average equity | $31,321,500 | 2,236 |
| Average total loans | $350,461,000 | 1,614 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5751% | 2,867 |
| Cost of funding earning assets | 0.3450% | 2,519 |
| Net interest margin | 3.2300% | 2,767 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.4331% | 2,327 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.7831% | 3,385 |
| Return on assets (ROA) | 0.7823% | 3,321 |
| Pretax return on assets | 0.9592% | 3,198 |
| Return on Equity (ROE) | 11.7600% | 2,225 |
| Retained earnings to average equity (ytd only) | 8.5037% | 1,643 |
| Net charge-offs to loans | -0.0048% | 3,628 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.6182% | 1,605 |
| Assets per employee ($millions) | 6.2532% | 2,553 |
| Cash dividends to net income (ytd only)* | 27.7067% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 2,857 |
| Loan loss allowance to noncurrent loans | 1,354.0925% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 3,251 |
| Noncurrent loans to loans | 0.0819% | 3,168 |
| Net loans and leases to total assets | 67.0200% | 1,928 |
| Net loans and leases to deposits | 78.4269% | 1,903 |
| Net loans and leases to core deposits | 80.6098% | 2,099 |
| Total domestic deposits to total assets | 85.4600% | 2,870 |
| Equity capital to assets | 5.9193% | 4,119 |
| Core capital (leverage) ratio | 8.1155% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8858% | 1,391 |
| Memoranda: | ||
| Average total assets | $479,380,000 | 1,773 |
| Average earning assets | $459,652,600 | 1,729 |
| Average equity | $31,880,400 | 2,250 |
| Average total loans | $311,655,400 | 1,670 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5277% | 2,525 |
| Cost of funding earning assets | 0.2437% | 2,773 |
| Net interest margin | 3.2839% | 2,341 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.4229% | 2,250 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8402% | 3,096 |
| Return on assets (ROA) | 0.8390% | 3,071 |
| Pretax return on assets | 1.0306% | 2,932 |
| Return on Equity (ROE) | 12.2600% | 1,953 |
| Retained earnings to average equity (ytd only) | 9.9024% | 1,373 |
| Net charge-offs to loans | -0.0040% | 3,421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.7260% | 1,925 |
| Assets per employee ($millions) | 6.1971% | 2,578 |
| Cash dividends to net income (ytd only)* | 19.1997% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 2,753 |
| Loan loss allowance to noncurrent loans | 1,114.0762% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 3,189 |
| Noncurrent loans to loans | 0.1040% | 3,134 |
| Net loans and leases to total assets | 67.0600% | 1,775 |
| Net loans and leases to deposits | 74.9873% | 1,960 |
| Net loans and leases to core deposits | 76.9117% | 2,118 |
| Total domestic deposits to total assets | 89.4300% | 1,906 |
| Equity capital to assets | 5.9019% | 4,000 |
| Core capital (leverage) ratio | 8.4264% | 4,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3084% | 1,337 |
| Memoranda: | ||
| Average total assets | $472,597,250 | 1,805 |
| Average earning assets | $452,981,000 | 1,758 |
| Average equity | $32,355,000 | 2,260 |
| Average total loans | $303,752,250 | 1,697 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5110% | 2,106 |
| Cost of funding earning assets | 0.1443% | 3,644 |
| Net interest margin | 3.3666% | 1,696 |
| Noninterest income to average assets | 0.3475% | 3,069 |
| Noninterest expense to average assets | 2.3953% | 2,237 |
| Loan and lease loss provision to assets | 0.1066% | 935 |
| Net operating income to assets | 0.8768% | 2,680 |
| Return on assets (ROA) | 0.8750% | 2,661 |
| Pretax return on assets | 1.0759% | 2,494 |
| Return on Equity (ROE) | 12.2031% | 1,619 |
| Retained earnings to average equity (ytd only) | 9.2178% | 1,223 |
| Net charge-offs to loans | -0.0034% | 3,229 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9089% | 2,391 |
| Assets per employee ($millions) | 5.9332% | 2,802 |
| Cash dividends to net income (ytd only)* | 24.4639% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,554 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,246 |
| Noncurrent loans to loans | 0.1115% | 3,184 |
| Net loans and leases to total assets | 64.3652% | 1,863 |
| Net loans and leases to deposits | 75.2188% | 1,747 |
| Net loans and leases to core deposits | 77.4722% | 1,894 |
| Total domestic deposits to total assets | 85.5706% | 3,359 |
| Equity capital to assets | 6.4314% | 4,043 |
| Core capital (leverage) ratio | 8.3997% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6002% | 1,282 |
| Memoranda: | ||
| Average total assets | $469,005,667 | 1,819 |
| Average earning assets | $450,301,333 | 1,783 |
| Average equity | $33,630,667 | 2,250 |
| Average total loans | $295,685,000 | 1,725 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4466% | 1,956 |
| Cost of funding earning assets | 0.1115% | 3,990 |
| Net interest margin | 3.3351% | 1,483 |
| Noninterest income to average assets | 0.3166% | 3,202 |
| Noninterest expense to average assets | 2.4265% | 2,083 |
| Loan and lease loss provision to assets | 0.0858% | 969 |
| Net operating income to assets | 0.8264% | 2,568 |
| Return on assets (ROA) | 0.8229% | 2,578 |
| Pretax return on assets | 1.0082% | 2,412 |
| Return on Equity (ROE) | 10.9031% | 1,650 |
| Retained earnings to average equity (ytd only) | 10.1187% | 991 |
| Net charge-offs to loans | 0.0042% | 1,619 |
| Credit loss provision to net charge-offs | 3,333.3333% | 127 |
| Earnings coverage of net charge-offs (x) | 426.6667% | 239 |
| Efficiency ratio | 68.8413% | 2,391 |
| Assets per employee ($millions) | 5.9687% | 2,835 |
| Cash dividends to net income (ytd only)* | 7.1950% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 2,660 |
| Loan loss allowance to noncurrent loans | 895.8128% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 3,202 |
| Noncurrent loans to loans | 0.1381% | 3,117 |
| Net loans and leases to total assets | 62.3535% | 1,815 |
| Net loans and leases to deposits | 69.9819% | 1,968 |
| Net loans and leases to core deposits | 72.0319% | 2,107 |
| Total domestic deposits to total assets | 89.0995% | 2,033 |
| Equity capital to assets | 6.9186% | 4,247 |
| Core capital (leverage) ratio | 8.4336% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5788% | 1,125 |
| Memoranda: | ||
| Average total assets | $466,180,000 | 1,837 |
| Average earning assets | $448,447,500 | 1,797 |
| Average equity | $35,182,500 | 2,245 |
| Average total loans | $288,873,000 | 1,745 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6178% | 2,333 |
| Cost of funding earning assets | 0.1158% | 4,268 |
| Net interest margin | 3.5020% | 1,729 |
| Noninterest income to average assets | 0.3076% | 3,563 |
| Noninterest expense to average assets | 2.3479% | 2,666 |
| Loan and lease loss provision to assets | 0.1816% | 632 |
| Net operating income to assets | 0.9649% | 2,820 |
| Return on assets (ROA) | 0.9601% | 2,902 |
| Pretax return on assets | 1.1399% | 2,854 |
| Return on Equity (ROE) | 11.6498% | 1,930 |
| Retained earnings to average equity (ytd only) | 9.0063% | 1,203 |
| Net charge-offs to loans | 0.0146% | 2,023 |
| Credit loss provision to net charge-offs | 2,062.5000% | 306 |
| Earnings coverage of net charge-offs (x) | 150.7750% | 658 |
| Efficiency ratio | 63.8862% | 2,583 |
| Assets per employee ($millions) | 6.1422% | 2,618 |
| Cash dividends to net income (ytd only)* | 22.6908% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,634 |
| Loan loss allowance to noncurrent loans | 1,195.9459% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 3,122 |
| Noncurrent loans to loans | 0.1043% | 3,405 |
| Net loans and leases to total assets | 60.0420% | 2,159 |
| Net loans and leases to deposits | 69.3010% | 2,194 |
| Net loans and leases to core deposits | 69.4387% | 2,511 |
| Total domestic deposits to total assets | 86.6394% | 2,650 |
| Equity capital to assets | 8.1736% | 4,255 |
| Core capital (leverage) ratio | 8.0681% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1153% | 1,020 |
| Memoranda: | ||
| Average total assets | $454,413,600 | 1,823 |
| Average earning assets | $436,949,400 | 1,781 |
| Average equity | $37,451,400 | 2,180 |
| Average total loans | $273,896,000 | 1,818 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5630% | 2,653 |
| Cost of funding earning assets | 0.1159% | 4,381 |
| Net interest margin | 3.4471% | 2,018 |
| Noninterest income to average assets | 0.3132% | 3,551 |
| Noninterest expense to average assets | 2.1977% | 3,075 |
| Loan and lease loss provision to assets | 0.1994% | 521 |
| Net operating income to assets | 1.0350% | 2,789 |
| Return on assets (ROA) | 1.0307% | 2,864 |
| Pretax return on assets | 1.2245% | 2,852 |
| Return on Equity (ROE) | 12.4797% | 1,870 |
| Retained earnings to average equity (ytd only) | 11.3816% | 974 |
| Net charge-offs to loans | 0.0206% | 1,638 |
| Credit loss provision to net charge-offs | 1,607.1429% | 380 |
| Earnings coverage of net charge-offs (x) | 115.1667% | 797 |
| Efficiency ratio | 60.5979% | 2,899 |
| Assets per employee ($millions) | 6.4159% | 2,323 |
| Cash dividends to net income (ytd only)* | 8.7991% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,978 |
| Loan loss allowance to noncurrent loans | 918.1572% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1285% | 3,257 |
| Noncurrent loans to loans | 0.1310% | 3,454 |
| Net loans and leases to total assets | 58.6092% | 2,409 |
| Net loans and leases to deposits | 66.2649% | 2,606 |
| Net loans and leases to core deposits | 66.9082% | 2,867 |
| Total domestic deposits to total assets | 88.4468% | 1,600 |
| Equity capital to assets | 8.1328% | 4,450 |
| Core capital (leverage) ratio | 8.5832% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1666% | 1,105 |
| Memoranda: | ||
| Average total assets | $451,315,750 | 1,850 |
| Average earning assets | $433,816,500 | 1,814 |
| Average equity | $37,275,500 | 2,213 |
| Average total loans | $271,415,250 | 1,865 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5570% | 2,752 |
| Cost of funding earning assets | 0.1209% | 4,434 |
| Net interest margin | 3.4361% | 2,045 |
| Noninterest income to average assets | 0.3143% | 3,545 |
| Noninterest expense to average assets | 2.2124% | 3,047 |
| Loan and lease loss provision to assets | 0.2029% | 550 |
| Net operating income to assets | 1.0252% | 2,806 |
| Return on assets (ROA) | 1.0237% | 2,890 |
| Pretax return on assets | 1.2036% | 2,903 |
| Return on Equity (ROE) | 12.3270% | 1,939 |
| Retained earnings to average equity (ytd only) | 10.6599% | 1,205 |
| Net charge-offs to loans | 0.0037% | 2,027 |
| Credit loss provision to net charge-offs | 9,000.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 624.6000% | 217 |
| Efficiency ratio | 61.1035% | 2,855 |
| Assets per employee ($millions) | 5.9483% | 2,670 |
| Cash dividends to net income (ytd only)* | 13.5242% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 3,192 |
| Loan loss allowance to noncurrent loans | 604.9149% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 3,254 |
| Noncurrent loans to loans | 0.1901% | 3,277 |
| Net loans and leases to total assets | 59.2831% | 2,510 |
| Net loans and leases to deposits | 67.1694% | 2,702 |
| Net loans and leases to core deposits | 67.8372% | 2,974 |
| Total domestic deposits to total assets | 88.2591% | 1,692 |
| Equity capital to assets | 8.1700% | 4,444 |
| Core capital (leverage) ratio | 8.2591% | 4,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3002% | 1,066 |
| Memoranda: | ||
| Average total assets | $443,494,667 | 1,866 |
| Average earning assets | $426,758,333 | 1,826 |
| Average equity | $36,829,667 | 2,227 |
| Average total loans | $268,003,000 | 1,885 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 2,432 |
| Cost of funding earning assets | 0.1247% | 4,497 |
| Net interest margin | 3.5468% | 1,707 |
| Noninterest income to average assets | 0.2788% | 3,734 |
| Noninterest expense to average assets | 2.3856% | 2,538 |
| Loan and lease loss provision to assets | 0.2077% | 579 |
| Net operating income to assets | 0.9316% | 3,043 |
| Return on assets (ROA) | 0.9269% | 3,129 |
| Pretax return on assets | 1.0931% | 3,130 |
| Return on Equity (ROE) | 11.0660% | 2,345 |
| Retained earnings to average equity (ytd only) | 11.0660% | 1,385 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6162% | 2,395 |
| Assets per employee ($millions) | 5.6634% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 3,450 |
| Loan loss allowance to noncurrent loans | 559.0994% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 3,394 |
| Noncurrent loans to loans | 0.1962% | 3,407 |
| Net loans and leases to total assets | 59.3112% | 2,635 |
| Net loans and leases to deposits | 67.1677% | 2,790 |
| Net loans and leases to core deposits | 67.9190% | 3,069 |
| Total domestic deposits to total assets | 88.3032% | 1,699 |
| Equity capital to assets | 7.9901% | 4,497 |
| Core capital (leverage) ratio | 8.3601% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1621% | 1,043 |
| Memoranda: | ||
| Average total assets | $433,258,500 | 1,890 |
| Average earning assets | $416,935,500 | 1,845 |
| Average equity | $36,291,500 | 2,246 |
| Average total loans | $262,877,500 | 1,905 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6606% | 3,675 |
| Cost of funding earning assets | 0.2641% | 4,324 |
| Net interest margin | 3.3964% | 2,790 |
| Noninterest income to average assets | 0.3326% | 3,468 |
| Noninterest expense to average assets | 2.5639% | 2,659 |
| Loan and lease loss provision to assets | 0.2126% | 1,846 |
| Net operating income to assets | 0.6793% | 3,495 |
| Return on assets (ROA) | 0.6777% | 3,625 |
| Pretax return on assets | 0.8040% | 3,619 |
| Return on Equity (ROE) | 7.6429% | 2,945 |
| Retained earnings to average equity (ytd only) | 5.9781% | 1,800 |
| Net charge-offs to loans | -0.0097% | 4,257 |
| Credit loss provision to net charge-offs | -3,568.1818% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5690% | 1,739 |
| Assets per employee ($millions) | 5.2335% | 3,113 |
| Cash dividends to net income (ytd only)* | 21.7826% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 3,535 |
| Loan loss allowance to noncurrent loans | 457.6412% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 3,180 |
| Noncurrent loans to loans | 0.2370% | 3,350 |
| Net loans and leases to total assets | 60.7814% | 2,762 |
| Net loans and leases to deposits | 69.7514% | 2,906 |
| Net loans and leases to core deposits | 69.9818% | 3,253 |
| Total domestic deposits to total assets | 87.1400% | 1,868 |
| Equity capital to assets | 8.7997% | 4,223 |
| Core capital (leverage) ratio | 8.2123% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7579% | 1,097 |
| Memoranda: | ||
| Average total assets | $369,162,800 | 1,960 |
| Average earning assets | $353,224,000 | 1,925 |
| Average equity | $32,736,400 | 2,346 |
| Average total loans | $227,566,000 | 2,050 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5966% | 4,018 |
| Cost of funding earning assets | 0.3047% | 4,292 |
| Net interest margin | 3.2919% | 3,222 |
| Noninterest income to average assets | 0.3448% | 3,407 |
| Noninterest expense to average assets | 2.5669% | 2,642 |
| Loan and lease loss provision to assets | 0.2086% | 1,926 |
| Net operating income to assets | 0.5936% | 3,786 |
| Return on assets (ROA) | 0.5905% | 3,892 |
| Pretax return on assets | 0.7115% | 3,878 |
| Return on Equity (ROE) | 6.6445% | 3,325 |
| Retained earnings to average equity (ytd only) | 5.6516% | 2,260 |
| Net charge-offs to loans | -0.0121% | 4,270 |
| Credit loss provision to net charge-offs | -2,800.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5360% | 1,456 |
| Assets per employee ($millions) | 5.5994% | 2,624 |
| Cash dividends to net income (ytd only)* | 14.9433% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,588 |
| Loan loss allowance to noncurrent loans | 488.9749% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 3,390 |
| Noncurrent loans to loans | 0.2097% | 3,542 |
| Net loans and leases to total assets | 59.7082% | 3,256 |
| Net loans and leases to deposits | 68.1463% | 3,452 |
| Net loans and leases to core deposits | 68.6963% | 3,720 |
| Total domestic deposits to total assets | 87.6176% | 1,388 |
| Equity capital to assets | 8.5058% | 4,462 |
| Core capital (leverage) ratio | 8.6763% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9629% | 1,064 |
| Memoranda: | ||
| Average total assets | $358,092,500 | 1,986 |
| Average earning assets | $342,206,750 | 1,950 |
| Average equity | $31,825,000 | 2,387 |
| Average total loans | $220,944,500 | 2,099 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 4,134 |
| Cost of funding earning assets | 0.3785% | 4,132 |
| Net interest margin | 3.2975% | 3,394 |
| Noninterest income to average assets | 0.3535% | 3,360 |
| Noninterest expense to average assets | 2.6764% | 2,453 |
| Loan and lease loss provision to assets | 0.1817% | 2,202 |
| Net operating income to assets | 0.5371% | 3,912 |
| Return on assets (ROA) | 0.5322% | 4,008 |
| Pretax return on assets | 0.6407% | 3,982 |
| Return on Equity (ROE) | 5.8877% | 3,556 |
| Retained earnings to average equity (ytd only) | 4.3509% | 2,759 |
| Net charge-offs to loans | -0.0386% | 4,614 |
| Credit loss provision to net charge-offs | -756.0976% | 3,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3673% | 1,230 |
| Assets per employee ($millions) | 4.9230% | 3,273 |
| Cash dividends to net income (ytd only)* | 26.1013% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 3,733 |
| Loan loss allowance to noncurrent loans | 597.4026% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 3,532 |
| Noncurrent loans to loans | 0.1616% | 3,804 |
| Net loans and leases to total assets | 64.7456% | 2,784 |
| Net loans and leases to deposits | 75.0229% | 2,972 |
| Net loans and leases to core deposits | 76.0583% | 3,279 |
| Total domestic deposits to total assets | 86.3012% | 1,887 |
| Equity capital to assets | 9.2531% | 3,879 |
| Core capital (leverage) ratio | 9.1857% | 3,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4460% | 988 |
| Memoranda: | ||
| Average total assets | $341,204,000 | 2,042 |
| Average earning assets | $326,063,000 | 1,993 |
| Average equity | $30,844,000 | 2,419 |
| Average total loans | $212,396,000 | 2,139 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7477% | 4,299 |
| Cost of funding earning assets | 0.5249% | 3,825 |
| Net interest margin | 3.2228% | 3,801 |
| Noninterest income to average assets | 0.3846% | 3,205 |
| Noninterest expense to average assets | 2.8915% | 2,148 |
| Loan and lease loss provision to assets | 0.1335% | 2,059 |
| Net operating income to assets | 0.3663% | 4,204 |
| Return on assets (ROA) | 0.3592% | 4,252 |
| Pretax return on assets | 0.4283% | 4,245 |
| Return on Equity (ROE) | 4.0256% | 3,943 |
| Retained earnings to average equity (ytd only) | 4.0256% | 2,669 |
| Net charge-offs to loans | -0.0762% | 4,760 |
| Credit loss provision to net charge-offs | -289.4737% | 3,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5261% | 860 |
| Assets per employee ($millions) | 4.4526% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 3,492 |
| Loan loss allowance to noncurrent loans | 701.0033% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 3,711 |
| Noncurrent loans to loans | 0.1484% | 3,925 |
| Net loans and leases to total assets | 59.7174% | 3,528 |
| Net loans and leases to deposits | 65.8130% | 3,877 |
| Net loans and leases to core deposits | 66.6081% | 4,045 |
| Total domestic deposits to total assets | 90.7379% | 141 |
| Equity capital to assets | 9.0108% | 4,593 |
| Core capital (leverage) ratio | 8.8745% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9267% | 1,365 |
| Memoranda: | ||
| Average total assets | $329,655,500 | 2,044 |
| Average earning assets | $314,756,000 | 2,001 |
| Average equity | $29,411,500 | 2,493 |
| Average total loans | $199,509,500 | 2,190 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7339% | 4,643 |
| Cost of funding earning assets | 0.5802% | 3,720 |
| Net interest margin | 3.1536% | 4,280 |
| Noninterest income to average assets | 0.5590% | 2,425 |
| Noninterest expense to average assets | 2.7443% | 2,768 |
| Loan and lease loss provision to assets | 0.1031% | 2,004 |
| Net operating income to assets | 0.5902% | 4,190 |
| Return on assets (ROA) | 0.5857% | 4,259 |
| Pretax return on assets | 0.7115% | 4,185 |
| Return on Equity (ROE) | 6.6418% | 3,692 |
| Retained earnings to average equity (ytd only) | 4.0645% | 2,933 |
| Net charge-offs to loans | 0.0174% | 3,093 |
| Credit loss provision to net charge-offs | 1,045.1613% | 330 |
| Earnings coverage of net charge-offs (x) | 83.0968% | 770 |
| Efficiency ratio | 76.9938% | 1,265 |
| Assets per employee ($millions) | 4.3382% | 3,453 |
| Cash dividends to net income (ytd only)* | 38.8043% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 3,588 |
| Loan loss allowance to noncurrent loans | 249.4238% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 2,821 |
| Noncurrent loans to loans | 0.3954% | 3,021 |
| Net loans and leases to total assets | 60.1021% | 3,575 |
| Net loans and leases to deposits | 66.1732% | 3,947 |
| Net loans and leases to core deposits | 66.8240% | 4,145 |
| Total domestic deposits to total assets | 90.8255% | 142 |
| Equity capital to assets | 8.8306% | 4,772 |
| Core capital (leverage) ratio | 8.4536% | 4,863 |
| Tier 1 risk-based capital ratio | 15.4471% | 2,598 |
| Total risk-based capital ratio | 16.5798% | 2,579 |
| Memoranda: | ||
| Average total assets | $314,139,400 | 2,075 |
| Average earning assets | $299,368,800 | 2,031 |
| Average equity | $27,703,400 | 2,512 |
| Average total loans | $178,613,400 | 2,333 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6595% | 4,823 |
| Cost of funding earning assets | 0.5599% | 3,871 |
| Net interest margin | 3.0997% | 4,475 |
| Noninterest income to average assets | 0.5550% | 2,436 |
| Noninterest expense to average assets | 2.7751% | 2,640 |
| Loan and lease loss provision to assets | 0.0874% | 2,169 |
| Net operating income to assets | 0.5321% | 4,446 |
| Return on assets (ROA) | 0.5225% | 4,514 |
| Pretax return on assets | 0.6304% | 4,492 |
| Return on Equity (ROE) | 5.9266% | 4,066 |
| Retained earnings to average equity (ytd only) | 4.0466% | 3,372 |
| Net charge-offs to loans | -0.0115% | 4,421 |
| Credit loss provision to net charge-offs | -1,360.0000% | 4,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1886% | 995 |
| Assets per employee ($millions) | 4.5334% | 3,143 |
| Cash dividends to net income (ytd only)* | 31.7214% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 3,629 |
| Loan loss allowance to noncurrent loans | 182.4732% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.5950% | 2,219 |
| Noncurrent loans to loans | 0.5422% | 2,670 |
| Net loans and leases to total assets | 55.9030% | 4,053 |
| Net loans and leases to deposits | 61.2768% | 4,327 |
| Net loans and leases to core deposits | 61.9843% | 4,457 |
| Total domestic deposits to total assets | 91.2303% | 76 |
| Equity capital to assets | 8.5334% | 4,987 |
| Core capital (leverage) ratio | 9.1755% | 4,501 |
| Tier 1 risk-based capital ratio | 15.6046% | 2,602 |
| Total risk-based capital ratio | 16.7198% | 2,586 |
| Memoranda: | ||
| Average total assets | $311,332,250 | 2,103 |
| Average earning assets | $296,240,750 | 2,061 |
| Average equity | $27,446,250 | 2,545 |
| Average total loans | $173,891,500 | 2,409 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6730% | 4,858 |
| Cost of funding earning assets | 0.5687% | 3,800 |
| Net interest margin | 3.1043% | 4,525 |
| Noninterest income to average assets | 0.6192% | 2,070 |
| Noninterest expense to average assets | 2.8884% | 2,310 |
| Loan and lease loss provision to assets | 0.0851% | 2,140 |
| Net operating income to assets | 0.5007% | 4,526 |
| Return on assets (ROA) | 0.4886% | 4,585 |
| Pretax return on assets | 0.5902% | 4,565 |
| Return on Equity (ROE) | 5.4782% | 4,210 |
| Retained earnings to average equity (ytd only) | 3.7261% | 3,395 |
| Net charge-offs to loans | -0.0107% | 4,344 |
| Credit loss provision to net charge-offs | -1,433.3333% | 4,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7224% | 907 |
| Assets per employee ($millions) | 4.5000% | 3,141 |
| Cash dividends to net income (ytd only)* | 31.9838% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 3,528 |
| Loan loss allowance to noncurrent loans | 208.4884% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 2,144 |
| Noncurrent loans to loans | 0.4868% | 2,823 |
| Net loans and leases to total assets | 56.3209% | 4,058 |
| Net loans and leases to deposits | 62.0927% | 4,328 |
| Net loans and leases to core deposits | 62.8693% | 4,464 |
| Total domestic deposits to total assets | 90.7044% | 152 |
| Equity capital to assets | 9.0357% | 4,775 |
| Core capital (leverage) ratio | 9.0970% | 4,555 |
| Tier 1 risk-based capital ratio | 16.7798% | 2,149 |
| Total risk-based capital ratio | 17.9342% | 2,130 |
| Memoranda: | ||
| Average total assets | $303,285,670 | 2,169 |
| Average earning assets | $289,080,670 | 2,104 |
| Average equity | $27,052,670 | 2,565 |
| Average total loans | $168,717,670 | 2,459 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6264% | 4,937 |
| Cost of funding earning assets | 0.4785% | 4,164 |
| Net interest margin | 3.1479% | 4,502 |
| Noninterest income to average assets | 0.4258% | 3,006 |
| Noninterest expense to average assets | 2.9445% | 2,147 |
| Loan and lease loss provision to assets | 0.1108% | 1,602 |
| Net operating income to assets | 0.3087% | 4,886 |
| Return on assets (ROA) | 0.2843% | 4,925 |
| Pretax return on assets | 0.3444% | 4,910 |
| Return on Equity (ROE) | 3.2089% | 4,740 |
| Retained earnings to average equity (ytd only) | 3.2089% | 3,648 |
| Net charge-offs to loans | -0.0049% | 4,019 |
| Credit loss provision to net charge-offs | -4,150.0000% | 4,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8700% | 589 |
| Assets per employee ($millions) | 4.2924% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 3,491 |
| Loan loss allowance to noncurrent loans | 375.8099% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 2,566 |
| Noncurrent loans to loans | 0.2757% | 3,577 |
| Net loans and leases to total assets | 54.5389% | 4,167 |
| Net loans and leases to deposits | 60.6488% | 4,378 |
| Net loans and leases to core deposits | 61.1893% | 4,523 |
| Total domestic deposits to total assets | 89.9257% | 477 |
| Equity capital to assets | 8.8592% | 4,775 |
| Core capital (leverage) ratio | 9.2745% | 4,388 |
| Tier 1 risk-based capital ratio | 17.4206% | 1,965 |
| Total risk-based capital ratio | 18.5958% | 1,942 |
| Memoranda: | ||
| Average total assets | $299,677,000 | 2,197 |
| Average earning assets | $285,906,000 | 2,138 |
| Average equity | $26,551,000 | 2,604 |
| Average total loans | $164,741,000 | 2,514 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4102% | 4,996 |
| Cost of funding earning assets | 0.2620% | 4,747 |
| Net interest margin | 3.1482% | 4,579 |
| Noninterest income to average assets | 0.4306% | 3,237 |
| Noninterest expense to average assets | 2.7226% | 2,952 |
| Loan and lease loss provision to assets | 0.0538% | 3,103 |
| Net operating income to assets | 0.5402% | 4,568 |
| Return on assets (ROA) | 0.5318% | 4,588 |
| Pretax return on assets | 0.6435% | 4,550 |
| Return on Equity (ROE) | 6.2592% | 4,086 |
| Retained earnings to average equity (ytd only) | 4.3826% | 3,135 |
| Net charge-offs to loans | 0.0228% | 2,957 |
| Credit loss provision to net charge-offs | 470.5882% | 727 |
| Earnings coverage of net charge-offs (x) | 61.8529% | 1,007 |
| Efficiency ratio | 79.3763% | 1,009 |
| Assets per employee ($millions) | 4.2695% | 3,513 |
| Cash dividends to net income (ytd only)* | 29.9810% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 3,530 |
| Loan loss allowance to noncurrent loans | 322.6121% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 2,593 |
| Noncurrent loans to loans | 0.3176% | 3,416 |
| Net loans and leases to total assets | 54.2694% | 4,260 |
| Net loans and leases to deposits | 62.5882% | 4,340 |
| Net loans and leases to core deposits | 63.0590% | 4,491 |
| Total domestic deposits to total assets | 86.7086% | 1,911 |
| Equity capital to assets | 8.8606% | 4,684 |
| Core capital (leverage) ratio | 9.1484% | 4,510 |
| Tier 1 risk-based capital ratio | 17.7212% | 1,840 |
| Total risk-based capital ratio | 18.8671% | 1,821 |
| Memoranda: | ||
| Average total assets | $297,290,200 | 2,178 |
| Average earning assets | $283,237,200 | 2,114 |
| Average equity | $25,258,800 | 2,627 |
| Average total loans | $149,134,800 | 2,652 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3366% | 5,096 |
| Cost of funding earning assets | 0.2396% | 4,847 |
| Net interest margin | 3.0970% | 4,710 |
| Noninterest income to average assets | 0.4305% | 3,281 |
| Noninterest expense to average assets | 2.7094% | 2,947 |
| Loan and lease loss provision to assets | 0.0313% | 3,390 |
| Net operating income to assets | 0.5231% | 4,711 |
| Return on assets (ROA) | 0.5128% | 4,733 |
| Pretax return on assets | 0.6265% | 4,683 |
| Return on Equity (ROE) | 6.1002% | 4,238 |
| Retained earnings to average equity (ytd only) | 4.8386% | 3,325 |
| Net charge-offs to loans | 0.0192% | 2,762 |
| Credit loss provision to net charge-offs | 333.3333% | 939 |
| Earnings coverage of net charge-offs (x) | 71.3314% | 941 |
| Efficiency ratio | 80.1668% | 929 |
| Assets per employee ($millions) | 4.1665% | 3,621 |
| Cash dividends to net income (ytd only)* | 20.6805% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,588 |
| Loan loss allowance to noncurrent loans | 275.8741% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 2,829 |
| Noncurrent loans to loans | 0.3730% | 3,313 |
| Net loans and leases to total assets | 52.0397% | 4,484 |
| Net loans and leases to deposits | 57.0739% | 4,697 |
| Net loans and leases to core deposits | 58.4779% | 4,756 |
| Total domestic deposits to total assets | 91.1796% | 184 |
| Equity capital to assets | 8.5718% | 4,880 |
| Core capital (leverage) ratio | 9.4747% | 4,209 |
| Tier 1 risk-based capital ratio | 18.3738% | 1,699 |
| Total risk-based capital ratio | 19.5186% | 1,680 |
| Memoranda: | ||
| Average total assets | $297,963,500 | 2,178 |
| Average earning assets | $283,750,500 | 2,122 |
| Average equity | $25,047,750 | 2,657 |
| Average total loans | $146,035,750 | 2,705 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2733% | 5,164 |
| Cost of funding earning assets | 0.1866% | 5,091 |
| Net interest margin | 3.0868% | 4,753 |
| Noninterest income to average assets | 0.3766% | 3,639 |
| Noninterest expense to average assets | 2.6474% | 3,173 |
| Loan and lease loss provision to assets | 0.0133% | 3,604 |
| Net operating income to assets | 0.5412% | 4,647 |
| Return on assets (ROA) | 0.5325% | 4,681 |
| Pretax return on assets | 0.6605% | 4,615 |
| Return on Equity (ROE) | 6.3758% | 4,109 |
| Retained earnings to average equity (ytd only) | 4.4606% | 3,369 |
| Net charge-offs to loans | 0.0265% | 2,325 |
| Credit loss provision to net charge-offs | 105.2632% | 1,945 |
| Earnings coverage of net charge-offs (x) | 54.0526% | 1,071 |
| Efficiency ratio | 79.4559% | 1,075 |
| Assets per employee ($millions) | 4.1763% | 3,617 |
| Cash dividends to net income (ytd only)* | 30.0375% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,630 |
| Loan loss allowance to noncurrent loans | 270.7965% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 2,722 |
| Noncurrent loans to loans | 0.3816% | 3,328 |
| Net loans and leases to total assets | 50.8509% | 4,557 |
| Net loans and leases to deposits | 56.2156% | 4,741 |
| Net loans and leases to core deposits | 57.6262% | 4,809 |
| Total domestic deposits to total assets | 90.4570% | 413 |
| Equity capital to assets | 8.6345% | 4,853 |
| Core capital (leverage) ratio | 9.0016% | 4,689 |
| Tier 1 risk-based capital ratio | 18.6049% | 1,650 |
| Total risk-based capital ratio | 19.7459% | 1,640 |
| Memoranda: | ||
| Average total assets | $300,066,670 | 2,170 |
| Average earning assets | $287,291,330 | 2,114 |
| Average equity | $25,063,670 | 2,660 |
| Average total loans | $143,596,330 | 2,753 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1648% | 5,261 |
| Cost of funding earning assets | 0.1664% | 5,180 |
| Net interest margin | 2.9984% | 4,886 |
| Noninterest income to average assets | 0.3516% | 3,793 |
| Noninterest expense to average assets | 2.5607% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5304% | 4,625 |
| Return on assets (ROA) | 0.5137% | 4,657 |
| Pretax return on assets | 0.6431% | 4,581 |
| Return on Equity (ROE) | 6.2494% | 4,078 |
| Retained earnings to average equity (ytd only) | 2.4330% | 4,196 |
| Net charge-offs to loans | 0.0255% | 1,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 56.4444% | 877 |
| Efficiency ratio | 79.4082% | 1,208 |
| Assets per employee ($millions) | 4.6801% | 2,883 |
| Cash dividends to net income (ytd only)* | 61.0687% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 3,602 |
| Loan loss allowance to noncurrent loans | 269.9822% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 2,961 |
| Noncurrent loans to loans | 0.3926% | 3,379 |
| Net loans and leases to total assets | 45.9388% | 4,795 |
| Net loans and leases to deposits | 50.0771% | 4,955 |
| Net loans and leases to core deposits | 51.3413% | 5,002 |
| Total domestic deposits to total assets | 91.7361% | 143 |
| Equity capital to assets | 8.0570% | 5,249 |
| Core capital (leverage) ratio | 8.7669% | 4,933 |
| Tier 1 risk-based capital ratio | 18.5238% | 1,684 |
| Total risk-based capital ratio | 19.6703% | 1,679 |
| Memoranda: | ||
| Average total assets | $306,016,000 | 2,157 |
| Average earning assets | $293,226,500 | 2,107 |
| Average equity | $25,154,500 | 2,678 |
| Average total loans | $141,361,500 | 2,797 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0926% | 5,296 |
| Cost of funding earning assets | 0.1960% | 4,980 |
| Net interest margin | 2.8966% | 5,047 |
| Noninterest income to average assets | 0.3822% | 3,749 |
| Noninterest expense to average assets | 2.5827% | 3,498 |
| Loan and lease loss provision to assets | 0.0400% | 3,468 |
| Net operating income to assets | 0.3862% | 4,738 |
| Return on assets (ROA) | 0.3855% | 4,751 |
| Pretax return on assets | 0.5232% | 4,893 |
| Return on Equity (ROE) | 4.5820% | 4,321 |
| Retained earnings to average equity (ytd only) | 4.5820% | 2,403 |
| Net charge-offs to loans | -0.0008% | 4,483 |
| Credit loss provision to net charge-offs | -12,000.0000% | 5,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0706% | 921 |
| Assets per employee ($millions) | 4.3307% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 3,373 |
| Loan loss allowance to noncurrent loans | 187.1481% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 3,658 |
| Noncurrent loans to loans | 0.5865% | 2,752 |
| Net loans and leases to total assets | 45.4486% | 4,916 |
| Net loans and leases to deposits | 49.7153% | 5,067 |
| Net loans and leases to core deposits | 51.1496% | 5,094 |
| Total domestic deposits to total assets | 91.4177% | 150 |
| Equity capital to assets | 8.3860% | 5,196 |
| Core capital (leverage) ratio | 8.4853% | 5,148 |
| Tier 1 risk-based capital ratio | 18.9436% | 1,510 |
| Total risk-based capital ratio | 20.1295% | 1,498 |
| Memoranda: | ||
| Average total assets | $299,880,800 | 2,166 |
| Average earning assets | $286,234,000 | 2,124 |
| Average equity | $25,229,000 | 2,661 |
| Average total loans | $131,052,200 | 2,899 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0759% | 5,358 |
| Cost of funding earning assets | 0.1998% | 4,978 |
| Net interest margin | 2.8760% | 5,121 |
| Noninterest income to average assets | 0.3790% | 3,818 |
| Noninterest expense to average assets | 2.5764% | 3,479 |
| Loan and lease loss provision to assets | 0.0535% | 3,031 |
| Net operating income to assets | 0.3900% | 5,015 |
| Return on assets (ROA) | 0.3861% | 5,054 |
| Pretax return on assets | 0.4842% | 5,062 |
| Return on Equity (ROE) | 4.5854% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.5854% | 3,156 |
| Net charge-offs to loans | 0.0341% | 2,748 |
| Credit loss provision to net charge-offs | 363.6364% | 838 |
| Earnings coverage of net charge-offs (x) | 36.8780% | 1,382 |
| Efficiency ratio | 82.6043% | 867 |
| Assets per employee ($millions) | 4.4119% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 3,073 |
| Loan loss allowance to noncurrent loans | 152.8630% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 3,596 |
| Noncurrent loans to loans | 0.7667% | 2,444 |
| Net loans and leases to total assets | 41.4113% | 5,138 |
| Net loans and leases to deposits | 45.3313% | 5,276 |
| Net loans and leases to core deposits | 46.5299% | 5,302 |
| Total domestic deposits to total assets | 91.3527% | 123 |
| Equity capital to assets | 8.4479% | 5,319 |
| Core capital (leverage) ratio | 8.8091% | 4,954 |
| Tier 1 risk-based capital ratio | 20.3073% | 1,306 |
| Total risk-based capital ratio | 21.5568% | 1,280 |
| Memoranda: | ||
| Average total assets | $299,064,250 | 2,190 |
| Average earning assets | $284,920,750 | 2,139 |
| Average equity | $25,180,750 | 2,689 |
| Average total loans | $128,989,000 | 2,950 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9545% | 5,467 |
| Cost of funding earning assets | 0.2027% | 4,953 |
| Net interest margin | 2.7518% | 5,307 |
| Noninterest income to average assets | 0.3916% | 3,739 |
| Noninterest expense to average assets | 2.5915% | 3,459 |
| Loan and lease loss provision to assets | 0.0807% | 2,370 |
| Net operating income to assets | 0.2784% | 5,273 |
| Return on assets (ROA) | 0.2725% | 5,300 |
| Pretax return on assets | 0.3424% | 5,278 |
| Return on Equity (ROE) | 3.2397% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.2397% | 3,785 |
| Net charge-offs to loans | 0.0711% | 1,925 |
| Credit loss provision to net charge-offs | 260.8696% | 1,052 |
| Earnings coverage of net charge-offs (x) | 13.9130% | 2,108 |
| Efficiency ratio | 85.7524% | 712 |
| Assets per employee ($millions) | 4.4649% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 3,307 |
| Loan loss allowance to noncurrent loans | 36.2170% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.4266% | 1,100 |
| Noncurrent loans to loans | 3.1784% | 389 |
| Net loans and leases to total assets | 43.1870% | 5,091 |
| Net loans and leases to deposits | 47.3502% | 5,234 |
| Net loans and leases to core deposits | 49.0073% | 5,251 |
| Total domestic deposits to total assets | 91.2078% | 175 |
| Equity capital to assets | 8.6049% | 5,225 |
| Core capital (leverage) ratio | 8.5347% | 5,190 |
| Tier 1 risk-based capital ratio | 19.5653% | 1,460 |
| Total risk-based capital ratio | 20.7971% | 1,424 |
| Memoranda: | ||
| Average total assets | $297,279,330 | 2,203 |
| Average earning assets | $284,173,670 | 2,147 |
| Average equity | $25,002,000 | 2,704 |
| Average total loans | $129,465,670 | 2,955 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8980% | 5,542 |
| Cost of funding earning assets | 0.1989% | 4,990 |
| Net interest margin | 2.6991% | 5,394 |
| Noninterest income to average assets | 0.3483% | 4,058 |
| Noninterest expense to average assets | 2.6151% | 3,437 |
| Loan and lease loss provision to assets | 0.1206% | 1,586 |
| Net operating income to assets | 0.1542% | 5,455 |
| Return on assets (ROA) | 0.1648% | 5,454 |
| Pretax return on assets | 0.2077% | 5,427 |
| Return on Equity (ROE) | 1.9819% | 5,336 |
| Retained earnings to average equity (ytd only) | 1.9819% | 4,340 |
| Net charge-offs to loans | 0.1171% | 1,237 |
| Credit loss provision to net charge-offs | 236.8421% | 917 |
| Earnings coverage of net charge-offs (x) | 6.1842% | 2,230 |
| Efficiency ratio | 89.2547% | 594 |
| Assets per employee ($millions) | 4.3355% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 3,519 |
| Loan loss allowance to noncurrent loans | 36.0850% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 1.4044% | 1,186 |
| Noncurrent loans to loans | 3.1317% | 422 |
| Net loans and leases to total assets | 42.0903% | 5,158 |
| Net loans and leases to deposits | 45.9253% | 5,304 |
| Net loans and leases to core deposits | 47.9139% | 5,304 |
| Total domestic deposits to total assets | 91.6496% | 154 |
| Equity capital to assets | 8.2150% | 5,405 |
| Core capital (leverage) ratio | 8.5115% | 5,219 |
| Tier 1 risk-based capital ratio | 19.2494% | 1,548 |
| Total risk-based capital ratio | 20.4580% | 1,526 |
| Memoranda: | ||
| Average total assets | $298,578,500 | 2,215 |
| Average earning assets | $285,578,000 | 2,160 |
| Average equity | $24,824,500 | 2,722 |
| Average total loans | $129,825,500 | 2,961 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9255% | 5,555 |
| Cost of funding earning assets | 0.1940% | 5,076 |
| Net interest margin | 2.7315% | 5,381 |
| Noninterest income to average assets | 0.3675% | 4,114 |
| Noninterest expense to average assets | 2.4545% | 4,151 |
| Loan and lease loss provision to assets | 0.2465% | 853 |
| Net operating income to assets | 0.2381% | 5,338 |
| Return on assets (ROA) | 0.3363% | 5,197 |
| Pretax return on assets | 0.4051% | 5,223 |
| Return on Equity (ROE) | 3.9531% | 4,848 |
| Retained earnings to average equity (ytd only) | 3.0229% | 3,748 |
| Net charge-offs to loans | 0.3528% | 771 |
| Credit loss provision to net charge-offs | 161.8943% | 1,706 |
| Earnings coverage of net charge-offs (x) | 3.5022% | 3,653 |
| Efficiency ratio | 82.1549% | 1,187 |
| Assets per employee ($millions) | 4.3832% | 3,303 |
| Cash dividends to net income (ytd only)* | 23.5294% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 3,830 |
| Loan loss allowance to noncurrent loans | 33.8218% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 1.4911% | 1,124 |
| Noncurrent loans to loans | 3.1912% | 403 |
| Net loans and leases to total assets | 43.9419% | 5,123 |
| Net loans and leases to deposits | 48.0726% | 5,297 |
| Net loans and leases to core deposits | 50.7254% | 5,276 |
| Total domestic deposits to total assets | 91.4075% | 181 |
| Equity capital to assets | 8.4168% | 5,332 |
| Core capital (leverage) ratio | 8.3740% | 5,389 |
| Tier 1 risk-based capital ratio | 18.8818% | 1,629 |
| Total risk-based capital ratio | 20.0340% | 1,627 |
| Memoranda: | ||
| Average total assets | $298,227,200 | 2,177 |
| Average earning assets | $286,066,000 | 2,122 |
| Average equity | $25,372,800 | 2,686 |
| Average total loans | $128,697,000 | 2,938 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8820% | 5,666 |
| Cost of funding earning assets | 0.1927% | 5,144 |
| Net interest margin | 2.6893% | 5,504 |
| Noninterest income to average assets | 0.3692% | 4,135 |
| Noninterest expense to average assets | 2.4358% | 4,176 |
| Loan and lease loss provision to assets | 0.1871% | 1,168 |
| Net operating income to assets | 0.2918% | 5,302 |
| Return on assets (ROA) | 0.4369% | 4,997 |
| Pretax return on assets | 0.4886% | 5,148 |
| Return on Equity (ROE) | 5.1220% | 4,460 |
| Retained earnings to average equity (ytd only) | 3.8898% | 3,535 |
| Net charge-offs to loans | 0.4273% | 502 |
| Credit loss provision to net charge-offs | 102.1898% | 2,310 |
| Earnings coverage of net charge-offs (x) | 2.8005% | 3,520 |
| Efficiency ratio | 82.6133% | 1,112 |
| Assets per employee ($millions) | 4.3887% | 3,267 |
| Cash dividends to net income (ytd only)* | 24.0571% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 4,935 |
| Loan loss allowance to noncurrent loans | 26.5344% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 1.5082% | 1,185 |
| Noncurrent loans to loans | 3.3154% | 412 |
| Net loans and leases to total assets | 42.9267% | 5,257 |
| Net loans and leases to deposits | 47.0961% | 5,409 |
| Net loans and leases to core deposits | 50.0162% | 5,384 |
| Total domestic deposits to total assets | 91.1471% | 162 |
| Equity capital to assets | 8.6954% | 5,400 |
| Core capital (leverage) ratio | 8.8473% | 5,006 |
| Tier 1 risk-based capital ratio | 19.0987% | 1,652 |
| Total risk-based capital ratio | 20.0579% | 1,674 |
| Memoranda: | ||
| Average total assets | $299,365,500 | 2,178 |
| Average earning assets | $287,104,500 | 2,125 |
| Average equity | $25,536,500 | 2,687 |
| Average total loans | $128,257,750 | 2,953 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9155% | 5,722 |
| Cost of funding earning assets | 0.2001% | 5,142 |
| Net interest margin | 2.7154% | 5,553 |
| Noninterest income to average assets | 0.3784% | 4,036 |
| Noninterest expense to average assets | 2.3946% | 4,352 |
| Loan and lease loss provision to assets | 0.2202% | 948 |
| Net operating income to assets | 0.2776% | 5,378 |
| Return on assets (ROA) | 0.3744% | 5,194 |
| Pretax return on assets | 0.5032% | 5,121 |
| Return on Equity (ROE) | 4.4176% | 4,747 |
| Retained earnings to average equity (ytd only) | 2.5592% | 4,261 |
| Net charge-offs to loans | 0.4659% | 475 |
| Credit loss provision to net charge-offs | 110.7383% | 1,952 |
| Earnings coverage of net charge-offs (x) | 2.9799% | 3,189 |
| Efficiency ratio | 80.1609% | 1,476 |
| Assets per employee ($millions) | 4.5321% | 2,962 |
| Cash dividends to net income (ytd only)* | 42.0677% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 4,938 |
| Loan loss allowance to noncurrent loans | 27.7140% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 1.5655% | 1,194 |
| Noncurrent loans to loans | 3.2684% | 425 |
| Net loans and leases to total assets | 44.4077% | 5,206 |
| Net loans and leases to deposits | 50.2029% | 5,324 |
| Net loans and leases to core deposits | 54.3471% | 5,258 |
| Total domestic deposits to total assets | 88.4564% | 1,189 |
| Equity capital to assets | 9.0997% | 5,158 |
| Core capital (leverage) ratio | 8.2623% | 5,561 |
| Tier 1 risk-based capital ratio | 19.0549% | 1,682 |
| Total risk-based capital ratio | 20.0455% | 1,701 |
| Memoranda: | ||
| Average total assets | $299,676,670 | 2,186 |
| Average earning assets | $287,910,670 | 2,127 |
| Average equity | $25,398,670 | 2,712 |
| Average total loans | $127,929,000 | 2,969 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8881% | 5,798 |
| Cost of funding earning assets | 0.1984% | 5,219 |
| Net interest margin | 2.6897% | 5,631 |
| Noninterest income to average assets | 0.3273% | 4,391 |
| Noninterest expense to average assets | 2.3459% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4875% | 4,683 |
| Return on assets (ROA) | 0.5033% | 4,716 |
| Pretax return on assets | 0.5803% | 4,877 |
| Return on Equity (ROE) | 6.1497% | 3,904 |
| Retained earnings to average equity (ytd only) | 6.1497% | 2,305 |
| Net charge-offs to loans | -0.0250% | 4,980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6726% | 1,529 |
| Assets per employee ($millions) | 4.6493% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 5,095 |
| Loan loss allowance to noncurrent loans | 26.7499% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 1.5190% | 1,336 |
| Noncurrent loans to loans | 3.3230% | 437 |
| Net loans and leases to total assets | 41.2415% | 5,388 |
| Net loans and leases to deposits | 45.1095% | 5,555 |
| Net loans and leases to core deposits | 48.3824% | 5,497 |
| Total domestic deposits to total assets | 91.4253% | 175 |
| Equity capital to assets | 8.4131% | 5,626 |
| Core capital (leverage) ratio | 8.0915% | 5,725 |
| Tier 1 risk-based capital ratio | 18.5121% | 1,851 |
| Total risk-based capital ratio | 19.4540% | 1,895 |
| Memoranda: | ||
| Average total assets | $306,752,500 | 2,146 |
| Average earning assets | $294,310,000 | 2,095 |
| Average equity | $25,107,000 | 2,739 |
| Average total loans | $127,916,500 | 2,964 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0788% | 5,659 |
| Cost of funding earning assets | 0.2360% | 4,938 |
| Net interest margin | 2.8428% | 5,439 |
| Noninterest income to average assets | 0.3773% | 4,202 |
| Noninterest expense to average assets | 2.3726% | 4,581 |
| Loan and lease loss provision to assets | 0.0306% | 3,757 |
| Net operating income to assets | 0.5423% | 4,533 |
| Return on assets (ROA) | 0.5648% | 4,535 |
| Pretax return on assets | 0.7244% | 4,459 |
| Return on Equity (ROE) | 6.8615% | 3,587 |
| Retained earnings to average equity (ytd only) | 4.9064% | 2,492 |
| Net charge-offs to loans | 0.1886% | 1,537 |
| Credit loss provision to net charge-offs | 37.8151% | 3,555 |
| Earnings coverage of net charge-offs (x) | 8.9664% | 2,880 |
| Efficiency ratio | 76.5675% | 2,181 |
| Assets per employee ($millions) | 4.7177% | 2,706 |
| Cash dividends to net income (ytd only)* | 28.4940% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8795% | 5,156 |
| Loan loss allowance to noncurrent loans | 89.7293% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 3,466 |
| Noncurrent loans to loans | 0.9801% | 2,378 |
| Net loans and leases to total assets | 41.4216% | 5,442 |
| Net loans and leases to deposits | 45.9239% | 5,568 |
| Net loans and leases to core deposits | 49.8683% | 5,504 |
| Total domestic deposits to total assets | 90.1963% | 546 |
| Equity capital to assets | 7.9563% | 5,867 |
| Core capital (leverage) ratio | 7.6223% | 5,950 |
| Tier 1 risk-based capital ratio | 17.9200% | 1,987 |
| Total risk-based capital ratio | 18.8555% | 2,038 |
| Memoranda: | ||
| Average total assets | $293,897,600 | 2,186 |
| Average earning assets | $281,345,000 | 2,129 |
| Average equity | $24,193,000 | 2,766 |
| Average total loans | $126,207,000 | 2,948 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0093% | 5,807 |
| Cost of funding earning assets | 0.2438% | 4,950 |
| Net interest margin | 2.7655% | 5,641 |
| Noninterest income to average assets | 0.3885% | 4,164 |
| Noninterest expense to average assets | 2.3904% | 4,540 |
| Loan and lease loss provision to assets | 0.0321% | 3,597 |
| Net operating income to assets | 0.4988% | 4,792 |
| Return on assets (ROA) | 0.5123% | 4,834 |
| Pretax return on assets | 0.6256% | 4,908 |
| Return on Equity (ROE) | 6.1690% | 4,076 |
| Retained earnings to average equity (ytd only) | 4.8600% | 3,016 |
| Net charge-offs to loans | 0.2513% | 1,044 |
| Credit loss provision to net charge-offs | 29.5359% | 3,275 |
| Earnings coverage of net charge-offs (x) | 5.8988% | 3,136 |
| Efficiency ratio | 78.8502% | 1,834 |
| Assets per employee ($millions) | 4.5442% | 2,931 |
| Cash dividends to net income (ytd only)* | 21.2174% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 5,285 |
| Loan loss allowance to noncurrent loans | 117.7471% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 4,036 |
| Noncurrent loans to loans | 0.7439% | 3,102 |
| Net loans and leases to total assets | 42.4483% | 5,463 |
| Net loans and leases to deposits | 46.4963% | 5,631 |
| Net loans and leases to core deposits | 49.8493% | 5,581 |
| Total domestic deposits to total assets | 91.2940% | 187 |
| Equity capital to assets | 8.4094% | 5,755 |
| Core capital (leverage) ratio | 8.5798% | 5,484 |
| Tier 1 risk-based capital ratio | 18.5427% | 1,883 |
| Total risk-based capital ratio | 19.5109% | 1,926 |
| Memoranda: | ||
| Average total assets | $290,709,750 | 2,218 |
| Average earning assets | $277,844,250 | 2,161 |
| Average equity | $24,141,750 | 2,792 |
| Average total loans | $125,722,250 | 2,980 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0418% | 5,816 |
| Cost of funding earning assets | 0.2521% | 4,914 |
| Net interest margin | 2.7897% | 5,633 |
| Noninterest income to average assets | 0.4046% | 4,051 |
| Noninterest expense to average assets | 2.3800% | 4,618 |
| Loan and lease loss provision to assets | 0.0415% | 3,280 |
| Net operating income to assets | 0.5069% | 4,737 |
| Return on assets (ROA) | 0.5250% | 4,771 |
| Pretax return on assets | 0.6778% | 4,727 |
| Return on Equity (ROE) | 6.3490% | 3,963 |
| Retained earnings to average equity (ytd only) | 4.3665% | 3,238 |
| Net charge-offs to loans | 0.2742% | 965 |
| Credit loss provision to net charge-offs | 34.8837% | 2,873 |
| Earnings coverage of net charge-offs (x) | 5.8488% | 2,873 |
| Efficiency ratio | 77.3780% | 2,149 |
| Assets per employee ($millions) | 4.3040% | 3,296 |
| Cash dividends to net income (ytd only)* | 31.2253% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 5,229 |
| Loan loss allowance to noncurrent loans | 85.7143% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6927% | 3,326 |
| Noncurrent loans to loans | 1.0713% | 2,504 |
| Net loans and leases to total assets | 45.5955% | 5,282 |
| Net loans and leases to deposits | 51.0792% | 5,447 |
| Net loans and leases to core deposits | 55.8510% | 5,321 |
| Total domestic deposits to total assets | 89.2643% | 1,019 |
| Equity capital to assets | 8.7012% | 5,519 |
| Core capital (leverage) ratio | 8.0759% | 5,886 |
| Tier 1 risk-based capital ratio | 17.7978% | 2,130 |
| Total risk-based capital ratio | 18.7731% | 2,167 |
| Memoranda: | ||
| Average total assets | $289,156,000 | 2,245 |
| Average earning assets | $276,872,330 | 2,185 |
| Average equity | $23,909,330 | 2,820 |
| Average total loans | $125,467,000 | 2,991 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9976% | 5,895 |
| Cost of funding earning assets | 0.2471% | 5,052 |
| Net interest margin | 2.7505% | 5,740 |
| Noninterest income to average assets | 0.3135% | 4,682 |
| Noninterest expense to average assets | 2.3013% | 4,880 |
| Loan and lease loss provision to assets | 0.0541% | 2,860 |
| Net operating income to assets | 0.4442% | 4,899 |
| Return on assets (ROA) | 0.4432% | 5,019 |
| Pretax return on assets | 0.5892% | 4,944 |
| Return on Equity (ROE) | 5.4941% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.4941% | 2,783 |
| Net charge-offs to loans | 0.3717% | 657 |
| Credit loss provision to net charge-offs | 34.4828% | 2,232 |
| Earnings coverage of net charge-offs (x) | 4.1121% | 2,529 |
| Efficiency ratio | 78.1193% | 2,169 |
| Assets per employee ($millions) | 4.6648% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 5,189 |
| Loan loss allowance to noncurrent loans | 86.1351% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 3,508 |
| Noncurrent loans to loans | 1.1218% | 2,529 |
| Net loans and leases to total assets | 41.8148% | 5,503 |
| Net loans and leases to deposits | 45.6435% | 5,666 |
| Net loans and leases to core deposits | 50.6208% | 5,559 |
| Total domestic deposits to total assets | 91.6117% | 208 |
| Equity capital to assets | 8.2645% | 5,893 |
| Core capital (leverage) ratio | 8.0657% | 5,904 |
| Tier 1 risk-based capital ratio | 18.3959% | 2,035 |
| Total risk-based capital ratio | 19.4208% | 2,045 |
| Memoranda: | ||
| Average total assets | $296,006,500 | 2,217 |
| Average earning assets | $283,297,000 | 2,154 |
| Average equity | $23,880,000 | 2,840 |
| Average total loans | $124,821,000 | 3,002 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1189% | 5,930 |
| Cost of funding earning assets | 0.3023% | 4,770 |
| Net interest margin | 2.8166% | 5,779 |
| Noninterest income to average assets | 0.3955% | 4,215 |
| Noninterest expense to average assets | 2.5766% | 4,306 |
| Loan and lease loss provision to assets | 0.0219% | 4,179 |
| Net operating income to assets | 0.3572% | 5,357 |
| Return on assets (ROA) | 0.3525% | 5,440 |
| Pretax return on assets | 0.4571% | 5,367 |
| Return on Equity (ROE) | 4.1840% | 5,033 |
| Retained earnings to average equity (ytd only) | 0.3721% | 5,611 |
| Net charge-offs to loans | 0.3730% | 1,156 |
| Credit loss provision to net charge-offs | 12.9032% | 4,065 |
| Earnings coverage of net charge-offs (x) | 2.8624% | 4,042 |
| Efficiency ratio | 84.1548% | 1,394 |
| Assets per employee ($millions) | 4.4497% | 3,120 |
| Cash dividends to net income (ytd only)* | 91.1065% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 4,965 |
| Loan loss allowance to noncurrent loans | 65.0510% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 0.6812% | 3,533 |
| Noncurrent loans to loans | 1.5611% | 1,875 |
| Net loans and leases to total assets | 41.6870% | 5,646 |
| Net loans and leases to deposits | 45.3683% | 5,822 |
| Net loans and leases to core deposits | 51.0503% | 5,663 |
| Total domestic deposits to total assets | 91.8857% | 160 |
| Equity capital to assets | 7.8731% | 6,119 |
| Core capital (leverage) ratio | 7.6443% | 6,155 |
| Tier 1 risk-based capital ratio | 17.6289% | 2,270 |
| Total risk-based capital ratio | 18.6832% | 2,305 |
| Memoranda: | ||
| Average total assets | $274,349,000 | 2,324 |
| Average earning assets | $259,710,000 | 2,277 |
| Average equity | $23,111,800 | 2,835 |
| Average total loans | $124,672,800 | 2,962 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1529% | 5,955 |
| Cost of funding earning assets | 0.3090% | 4,794 |
| Net interest margin | 2.8439% | 5,796 |
| Noninterest income to average assets | 0.4098% | 4,165 |
| Noninterest expense to average assets | 2.6248% | 4,112 |
| Loan and lease loss provision to assets | 0.0248% | 3,910 |
| Net operating income to assets | 0.3600% | 5,401 |
| Return on assets (ROA) | 0.3532% | 5,490 |
| Pretax return on assets | 0.4357% | 5,509 |
| Return on Equity (ROE) | 4.1178% | 5,126 |
| Retained earnings to average equity (ytd only) | 0.5791% | 5,634 |
| Net charge-offs to loans | 0.2057% | 1,822 |
| Credit loss provision to net charge-offs | 26.0417% | 3,506 |
| Earnings coverage of net charge-offs (x) | 4.9168% | 3,353 |
| Efficiency ratio | 84.8426% | 1,301 |
| Assets per employee ($millions) | 4.3356% | 3,240 |
| Cash dividends to net income (ytd only)* | 85.9354% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 4,012 |
| Loan loss allowance to noncurrent loans | 51.5070% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 1.0935% | 2,771 |
| Noncurrent loans to loans | 2.4098% | 1,234 |
| Net loans and leases to total assets | 42.7654% | 5,616 |
| Net loans and leases to deposits | 46.7051% | 5,834 |
| Net loans and leases to core deposits | 52.9857% | 5,628 |
| Total domestic deposits to total assets | 91.5648% | 218 |
| Equity capital to assets | 8.1650% | 6,032 |
| Core capital (leverage) ratio | 8.8696% | 5,237 |
| Tier 1 risk-based capital ratio | 16.3071% | 2,900 |
| Total risk-based capital ratio | 17.4452% | 2,915 |
| Memoranda: | ||
| Average total assets | $268,404,000 | 2,386 |
| Average earning assets | $253,309,500 | 2,334 |
| Average equity | $23,021,750 | 2,852 |
| Average total loans | $124,452,000 | 2,983 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2042% | 5,946 |
| Cost of funding earning assets | 0.3209% | 4,747 |
| Net interest margin | 2.8833% | 5,765 |
| Noninterest income to average assets | 0.3878% | 4,338 |
| Noninterest expense to average assets | 2.6736% | 3,965 |
| Loan and lease loss provision to assets | 0.0229% | 3,821 |
| Net operating income to assets | 0.3459% | 5,416 |
| Return on assets (ROA) | 0.3383% | 5,510 |
| Pretax return on assets | 0.4069% | 5,542 |
| Return on Equity (ROE) | 3.8764% | 5,197 |
| Retained earnings to average equity (ytd only) | -1.4580% | 5,922 |
| Net charge-offs to loans | 0.2872% | 1,388 |
| Credit loss provision to net charge-offs | 16.7598% | 3,234 |
| Earnings coverage of net charge-offs (x) | 3.2179% | 3,362 |
| Efficiency ratio | 85.8996% | 1,280 |
| Assets per employee ($millions) | 3.9487% | 3,954 |
| Cash dividends to net income (ytd only)* | 137.6126% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 4,312 |
| Loan loss allowance to noncurrent loans | 48.7269% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 1.3814% | 2,363 |
| Noncurrent loans to loans | 2.5117% | 1,238 |
| Net loans and leases to total assets | 48.8930% | 5,093 |
| Net loans and leases to deposits | 53.9803% | 5,359 |
| Net loans and leases to core deposits | 61.8376% | 4,981 |
| Total domestic deposits to total assets | 90.5757% | 554 |
| Equity capital to assets | 9.2063% | 5,097 |
| Core capital (leverage) ratio | 8.6322% | 5,491 |
| Tier 1 risk-based capital ratio | 16.3719% | 2,889 |
| Total risk-based capital ratio | 17.5228% | 2,895 |
| Memoranda: | ||
| Average total assets | $262,489,670 | 2,435 |
| Average earning assets | $248,050,000 | 2,375 |
| Average equity | $22,907,670 | 2,857 |
| Average total loans | $124,632,670 | 2,977 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0909% | 6,139 |
| Cost of funding earning assets | 0.3183% | 4,883 |
| Net interest margin | 2.7727% | 5,989 |
| Noninterest income to average assets | 0.3351% | 4,696 |
| Noninterest expense to average assets | 2.4819% | 4,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3815% | 5,184 |
| Return on assets (ROA) | 0.3815% | 5,258 |
| Pretax return on assets | 0.4727% | 5,253 |
| Return on Equity (ROE) | 4.4878% | 4,794 |
| Retained earnings to average equity (ytd only) | -2.3055% | 5,886 |
| Net charge-offs to loans | 0.3408% | 1,051 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.9811% | 2,756 |
| Efficiency ratio | 84.0000% | 1,672 |
| Assets per employee ($millions) | 4.0566% | 3,807 |
| Cash dividends to net income (ytd only)* | 151.3725% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 4,398 |
| Loan loss allowance to noncurrent loans | 43.5770% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 1.4637% | 2,424 |
| Noncurrent loans to loans | 2.8610% | 1,144 |
| Net loans and leases to total assets | 46.5660% | 5,270 |
| Net loans and leases to deposits | 50.9352% | 5,528 |
| Net loans and leases to core deposits | 59.4812% | 5,086 |
| Total domestic deposits to total assets | 91.4222% | 405 |
| Equity capital to assets | 8.5296% | 5,625 |
| Core capital (leverage) ratio | 8.5231% | 5,610 |
| Tier 1 risk-based capital ratio | 15.5048% | 3,432 |
| Total risk-based capital ratio | 16.6268% | 3,460 |
| Memoranda: | ||
| Average total assets | $267,375,000 | 2,399 |
| Average earning assets | $252,609,500 | 2,335 |
| Average equity | $22,728,500 | 2,866 |
| Average total loans | $124,402,500 | 2,983 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2821% | 6,024 |
| Cost of funding earning assets | 0.3537% | 5,100 |
| Net interest margin | 2.9284% | 5,734 |
| Noninterest income to average assets | 0.4059% | 4,400 |
| Noninterest expense to average assets | 2.5666% | 4,561 |
| Loan and lease loss provision to assets | 0.0481% | 4,167 |
| Net operating income to assets | 0.4665% | 4,887 |
| Return on assets (ROA) | 0.4769% | 4,977 |
| Pretax return on assets | 0.5700% | 4,972 |
| Return on Equity (ROE) | 5.2532% | 4,514 |
| Retained earnings to average equity (ytd only) | 5.2532% | 2,444 |
| Net charge-offs to loans | 0.1396% | 3,411 |
| Credit loss provision to net charge-offs | 71.8563% | 3,250 |
| Earnings coverage of net charge-offs (x) | 9.0419% | 2,566 |
| Efficiency ratio | 80.9078% | 2,033 |
| Assets per employee ($millions) | 4.1079% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 3,784 |
| Loan loss allowance to noncurrent loans | 40.9002% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 1.6381% | 2,259 |
| Noncurrent loans to loans | 3.3536% | 962 |
| Net loans and leases to total assets | 45.2695% | 5,556 |
| Net loans and leases to deposits | 49.5124% | 5,801 |
| Net loans and leases to core deposits | 57.1038% | 5,455 |
| Total domestic deposits to total assets | 91.4307% | 425 |
| Equity capital to assets | 8.4715% | 5,612 |
| Core capital (leverage) ratio | 8.5173% | 5,649 |
| Tier 1 risk-based capital ratio | 15.8488% | 3,175 |
| Total risk-based capital ratio | 17.0723% | 3,143 |
| Memoranda: | ||
| Average total assets | $249,316,400 | 2,534 |
| Average earning assets | $235,520,000 | 2,463 |
| Average equity | $22,633,800 | 2,864 |
| Average total loans | $119,634,400 | 3,047 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3317% | 6,000 |
| Cost of funding earning assets | 0.3562% | 5,240 |
| Net interest margin | 2.9756% | 5,651 |
| Noninterest income to average assets | 0.4350% | 4,267 |
| Noninterest expense to average assets | 2.5779% | 4,468 |
| Loan and lease loss provision to assets | 0.0109% | 4,774 |
| Net operating income to assets | 0.5556% | 4,553 |
| Return on assets (ROA) | 0.5635% | 4,664 |
| Pretax return on assets | 0.6664% | 4,800 |
| Return on Equity (ROE) | 6.0960% | 4,138 |
| Retained earnings to average equity (ytd only) | 6.0960% | 2,350 |
| Net charge-offs to loans | 0.1962% | 2,664 |
| Credit loss provision to net charge-offs | 11.4286% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.0114% | 2,867 |
| Efficiency ratio | 79.4197% | 2,201 |
| Assets per employee ($millions) | 3.7021% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 4,394 |
| Loan loss allowance to noncurrent loans | 74.3966% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 0.9720% | 3,715 |
| Noncurrent loans to loans | 1.7471% | 2,574 |
| Net loans and leases to total assets | 47.4186% | 5,404 |
| Net loans and leases to deposits | 53.8332% | 5,555 |
| Net loans and leases to core deposits | 60.9974% | 5,219 |
| Total domestic deposits to total assets | 88.0842% | 2,075 |
| Equity capital to assets | 9.0355% | 5,147 |
| Core capital (leverage) ratio | 9.6383% | 4,186 |
| Tier 1 risk-based capital ratio | 15.9709% | 3,210 |
| Total risk-based capital ratio | 17.1390% | 3,205 |
| Memoranda: | ||
| Average total assets | $244,892,500 | 2,591 |
| Average earning assets | $231,345,250 | 2,520 |
| Average equity | $22,637,250 | 2,891 |
| Average total loans | $118,904,000 | 3,079 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3748% | 5,959 |
| Cost of funding earning assets | 0.3693% | 5,233 |
| Net interest margin | 3.0055% | 5,562 |
| Noninterest income to average assets | 0.4872% | 3,917 |
| Noninterest expense to average assets | 2.6083% | 4,349 |
| Loan and lease loss provision to assets | 0.0165% | 4,564 |
| Net operating income to assets | 0.5866% | 4,363 |
| Return on assets (ROA) | 0.6001% | 4,462 |
| Pretax return on assets | 0.7304% | 4,577 |
| Return on Equity (ROE) | 6.4422% | 3,909 |
| Retained earnings to average equity (ytd only) | 6.4422% | 2,178 |
| Net charge-offs to loans | 0.0727% | 3,669 |
| Credit loss provision to net charge-offs | 46.5116% | 3,283 |
| Earnings coverage of net charge-offs (x) | 20.6047% | 1,451 |
| Efficiency ratio | 78.1235% | 2,434 |
| Assets per employee ($millions) | 3.6798% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 3,975 |
| Loan loss allowance to noncurrent loans | 99.1851% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.9804% | 3,805 |
| Noncurrent loans to loans | 1.4249% | 3,160 |
| Net loans and leases to total assets | 50.4707% | 5,058 |
| Net loans and leases to deposits | 58.0010% | 5,161 |
| Net loans and leases to core deposits | 65.0967% | 4,781 |
| Total domestic deposits to total assets | 87.0169% | 2,810 |
| Equity capital to assets | 9.4770% | 4,611 |
| Core capital (leverage) ratio | 9.1413% | 4,769 |
| Tier 1 risk-based capital ratio | 15.8023% | 3,314 |
| Total risk-based capital ratio | 17.0523% | 3,266 |
| Memoranda: | ||
| Average total assets | $242,609,670 | 2,630 |
| Average earning assets | $230,179,670 | 2,539 |
| Average equity | $22,601,000 | 2,913 |
| Average total loans | $118,224,000 | 3,102 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3202% | 6,114 |
| Cost of funding earning assets | 0.3655% | 5,411 |
| Net interest margin | 2.9548% | 5,693 |
| Noninterest income to average assets | 0.3104% | 5,210 |
| Noninterest expense to average assets | 2.4488% | 4,952 |
| Loan and lease loss provision to assets | 0.0325% | 4,039 |
| Net operating income to assets | 0.4924% | 4,706 |
| Return on assets (ROA) | 0.4924% | 4,860 |
| Pretax return on assets | 0.6272% | 4,849 |
| Return on Equity (ROE) | 5.3293% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.3293% | 3,041 |
| Net charge-offs to loans | 0.1948% | 2,246 |
| Credit loss provision to net charge-offs | 35.0877% | 2,813 |
| Earnings coverage of net charge-offs (x) | 7.1228% | 2,114 |
| Efficiency ratio | 78.7768% | 2,492 |
| Assets per employee ($millions) | 4.0647% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 4,102 |
| Loan loss allowance to noncurrent loans | 81.1810% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9615% | 4,008 |
| Noncurrent loans to loans | 1.7581% | 2,924 |
| Net loans and leases to total assets | 47.1042% | 5,322 |
| Net loans and leases to deposits | 51.9279% | 5,625 |
| Net loans and leases to core deposits | 58.4451% | 5,299 |
| Total domestic deposits to total assets | 90.7108% | 668 |
| Equity capital to assets | 9.2118% | 5,238 |
| Core capital (leverage) ratio | 8.8747% | 5,089 |
| Tier 1 risk-based capital ratio | 15.4636% | 3,545 |
| Total risk-based capital ratio | 16.7062% | 3,516 |
| Memoranda: | ||
| Average total assets | $246,161,000 | 2,621 |
| Average earning assets | $233,115,000 | 2,540 |
| Average equity | $22,742,000 | 2,953 |
| Average total loans | $117,053,000 | 3,145 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6941% | 6,060 |
| Cost of funding earning assets | 0.4379% | 5,664 |
| Net interest margin | 3.2562% | 5,411 |
| Noninterest income to average assets | 0.3423% | 5,013 |
| Noninterest expense to average assets | 2.5395% | 4,965 |
| Loan and lease loss provision to assets | 0.0434% | 5,309 |
| Net operating income to assets | 0.7139% | 3,675 |
| Return on assets (ROA) | 0.7203% | 3,894 |
| Pretax return on assets | 0.8510% | 4,100 |
| Return on Equity (ROE) | 6.9045% | 3,698 |
| Retained earnings to average equity (ytd only) | -2.0242% | 6,161 |
| Net charge-offs to loans | -0.1498% | 6,895 |
| Credit loss provision to net charge-offs | -56.7251% | 6,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1186% | 3,048 |
| Assets per employee ($millions) | 3.8790% | 4,204 |
| Cash dividends to net income (ytd only)* | 129.3168% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 3,764 |
| Loan loss allowance to noncurrent loans | 98.9691% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.8687% | 4,310 |
| Noncurrent loans to loans | 1.5101% | 3,339 |
| Net loans and leases to total assets | 46.6061% | 5,560 |
| Net loans and leases to deposits | 51.4394% | 5,855 |
| Net loans and leases to core deposits | 57.4070% | 5,599 |
| Total domestic deposits to total assets | 90.6039% | 661 |
| Equity capital to assets | 9.2660% | 5,188 |
| Core capital (leverage) ratio | 8.7701% | 5,229 |
| Tier 1 risk-based capital ratio | 15.7512% | 3,289 |
| Total risk-based capital ratio | 17.0085% | 3,242 |
| Memoranda: | ||
| Average total assets | $223,508,400 | 2,803 |
| Average earning assets | $211,686,200 | 2,714 |
| Average equity | $23,318,000 | 2,820 |
| Average total loans | $114,171,200 | 3,204 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7774% | 6,076 |
| Cost of funding earning assets | 0.4529% | 5,768 |
| Net interest margin | 3.3245% | 5,296 |
| Noninterest income to average assets | 0.3512% | 5,008 |
| Noninterest expense to average assets | 2.5586% | 4,885 |
| Loan and lease loss provision to assets | 0.0592% | 4,985 |
| Net operating income to assets | 0.7257% | 3,795 |
| Return on assets (ROA) | 0.7342% | 4,009 |
| Pretax return on assets | 0.8954% | 4,122 |
| Return on Equity (ROE) | 6.8236% | 3,902 |
| Retained earnings to average equity (ytd only) | 3.6957% | 4,290 |
| Net charge-offs to loans | 0.0961% | 4,421 |
| Credit loss provision to net charge-offs | 118.2927% | 2,449 |
| Earnings coverage of net charge-offs (x) | 18.8537% | 1,528 |
| Efficiency ratio | 73.0427% | 3,137 |
| Assets per employee ($millions) | 4.0573% | 3,756 |
| Cash dividends to net income (ytd only)* | 45.8403% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 4,893 |
| Loan loss allowance to noncurrent loans | 97.4884% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.9033% | 4,475 |
| Noncurrent loans to loans | 1.3149% | 3,842 |
| Net loans and leases to total assets | 49.1188% | 5,425 |
| Net loans and leases to deposits | 54.8744% | 5,728 |
| Net loans and leases to core deposits | 60.7668% | 5,478 |
| Total domestic deposits to total assets | 89.5112% | 1,118 |
| Equity capital to assets | 10.3465% | 4,022 |
| Core capital (leverage) ratio | 10.4958% | 2,917 |
| Tier 1 risk-based capital ratio | 16.9441% | 2,762 |
| Total risk-based capital ratio | 18.0416% | 2,801 |
| Memoranda: | ||
| Average total assets | $218,291,000 | 2,870 |
| Average earning assets | $206,946,250 | 2,799 |
| Average equity | $23,486,500 | 2,823 |
| Average total loans | $113,808,250 | 3,246 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 6,058 |
| Cost of funding earning assets | 0.4666% | 5,854 |
| Net interest margin | 3.3680% | 5,209 |
| Noninterest income to average assets | 0.3608% | 4,953 |
| Noninterest expense to average assets | 2.6733% | 4,525 |
| Loan and lease loss provision to assets | 0.0720% | 4,730 |
| Net operating income to assets | 0.6883% | 3,931 |
| Return on assets (ROA) | 0.6945% | 4,161 |
| Pretax return on assets | 0.8347% | 4,336 |
| Return on Equity (ROE) | 6.3669% | 4,121 |
| Retained earnings to average equity (ytd only) | 1.6539% | 5,374 |
| Net charge-offs to loans | 0.1411% | 3,790 |
| Credit loss provision to net charge-offs | 96.2500% | 2,872 |
| Earnings coverage of net charge-offs (x) | 12.0250% | 1,914 |
| Efficiency ratio | 74.8299% | 2,931 |
| Assets per employee ($millions) | 3.8653% | 4,154 |
| Cash dividends to net income (ytd only)* | 74.0242% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 5,007 |
| Loan loss allowance to noncurrent loans | 70.2846% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 0.9928% | 4,389 |
| Noncurrent loans to loans | 1.8153% | 3,193 |
| Net loans and leases to total assets | 52.0838% | 5,085 |
| Net loans and leases to deposits | 59.5621% | 5,284 |
| Net loans and leases to core deposits | 66.0883% | 4,996 |
| Total domestic deposits to total assets | 87.4445% | 2,502 |
| Equity capital to assets | 10.7939% | 3,345 |
| Core capital (leverage) ratio | 10.1407% | 3,213 |
| Tier 1 risk-based capital ratio | 16.7797% | 2,771 |
| Total risk-based capital ratio | 17.8754% | 2,800 |
| Memoranda: | ||
| Average total assets | $213,966,000 | 2,936 |
| Average earning assets | $204,035,670 | 2,832 |
| Average equity | $23,339,330 | 2,822 |
| Average total loans | $113,387,670 | 3,263 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8486% | 6,145 |
| Cost of funding earning assets | 0.4680% | 6,029 |
| Net interest margin | 3.3805% | 5,195 |
| Noninterest income to average assets | 0.3629% | 4,974 |
| Noninterest expense to average assets | 2.6871% | 4,470 |
| Loan and lease loss provision to assets | 0.0508% | 4,775 |
| Net operating income to assets | 0.7630% | 3,557 |
| Return on assets (ROA) | 0.7747% | 3,741 |
| Pretax return on assets | 0.8706% | 4,148 |
| Return on Equity (ROE) | 7.0648% | 3,752 |
| Retained earnings to average equity (ytd only) | 7.0648% | 2,403 |
| Net charge-offs to loans | 0.1593% | 3,137 |
| Credit loss provision to net charge-offs | 60.0000% | 3,112 |
| Earnings coverage of net charge-offs (x) | 10.7333% | 1,734 |
| Efficiency ratio | 74.7385% | 2,985 |
| Assets per employee ($millions) | 3.9108% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 5,159 |
| Loan loss allowance to noncurrent loans | 76.6082% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.8936% | 4,739 |
| Noncurrent loans to loans | 1.6579% | 3,614 |
| Net loans and leases to total assets | 51.1472% | 5,126 |
| Net loans and leases to deposits | 57.3512% | 5,455 |
| Net loans and leases to core deposits | 63.9960% | 5,113 |
| Total domestic deposits to total assets | 89.1825% | 1,576 |
| Equity capital to assets | 10.7225% | 3,235 |
| Core capital (leverage) ratio | 10.5996% | 2,647 |
| Tier 1 risk-based capital ratio | 17.9151% | 2,329 |
| Total risk-based capital ratio | 19.1157% | 2,310 |
| Memoranda: | ||
| Average total assets | $212,721,500 | 2,963 |
| Average earning assets | $203,401,000 | 2,856 |
| Average equity | $23,327,000 | 2,816 |
| Average total loans | $112,984,000 | 3,300 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 5,992 |
| Cost of funding earning assets | 0.5293% | 6,420 |
| Net interest margin | 3.6938% | 4,325 |
| Noninterest income to average assets | 0.3925% | 4,678 |
| Noninterest expense to average assets | 2.8703% | 4,079 |
| Loan and lease loss provision to assets | 0.1477% | 4,765 |
| Net operating income to assets | 0.7111% | 3,433 |
| Return on assets (ROA) | 0.7099% | 3,619 |
| Pretax return on assets | 0.8877% | 3,647 |
| Return on Equity (ROE) | 6.1991% | 3,772 |
| Retained earnings to average equity (ytd only) | 1.2678% | 5,260 |
| Net charge-offs to loans | 0.4859% | 3,051 |
| Credit loss provision to net charge-offs | 53.6364% | 5,329 |
| Earnings coverage of net charge-offs (x) | 3.7655% | 3,396 |
| Efficiency ratio | 73.4623% | 3,309 |
| Assets per employee ($millions) | 3.7534% | 4,427 |
| Cash dividends to net income (ytd only)* | 79.5487% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 4,916 |
| Loan loss allowance to noncurrent loans | 88.8618% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 4,960 |
| Noncurrent loans to loans | 1.4603% | 3,970 |
| Net loans and leases to total assets | 53.7944% | 5,068 |
| Net loans and leases to deposits | 60.8786% | 5,384 |
| Net loans and leases to core deposits | 65.5180% | 5,322 |
| Total domestic deposits to total assets | 88.3635% | 1,933 |
| Equity capital to assets | 11.2243% | 2,765 |
| Core capital (leverage) ratio | 10.4282% | 2,814 |
| Tier 1 risk-based capital ratio | 17.9678% | 2,197 |
| Total risk-based capital ratio | 19.2147% | 2,179 |
| Memoranda: | ||
| Average total assets | $199,738,600 | 3,060 |
| Average earning assets | $190,047,600 | 2,966 |
| Average equity | $22,874,400 | 2,796 |
| Average total loans | $113,202,200 | 3,308 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2604% | 6,064 |
| Cost of funding earning assets | 0.5298% | 6,578 |
| Net interest margin | 3.7306% | 4,200 |
| Noninterest income to average assets | 0.3938% | 4,713 |
| Noninterest expense to average assets | 2.7458% | 4,549 |
| Loan and lease loss provision to assets | 0.1010% | 5,182 |
| Net operating income to assets | 0.8113% | 3,101 |
| Return on assets (ROA) | 0.8098% | 3,278 |
| Pretax return on assets | 1.0905% | 3,055 |
| Return on Equity (ROE) | 7.0348% | 3,513 |
| Retained earnings to average equity (ytd only) | 3.6256% | 4,170 |
| Net charge-offs to loans | 0.1305% | 4,741 |
| Credit loss provision to net charge-offs | 135.1351% | 2,358 |
| Earnings coverage of net charge-offs (x) | 15.9726% | 1,429 |
| Efficiency ratio | 69.7027% | 4,002 |
| Assets per employee ($millions) | 3.7589% | 4,386 |
| Cash dividends to net income (ytd only)* | 48.4619% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 3,902 |
| Loan loss allowance to noncurrent loans | 104.0332% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.8523% | 5,049 |
| Noncurrent loans to loans | 1.4864% | 4,067 |
| Net loans and leases to total assets | 54.0172% | 5,157 |
| Net loans and leases to deposits | 60.9844% | 5,519 |
| Net loans and leases to core deposits | 65.8564% | 5,430 |
| Total domestic deposits to total assets | 88.5754% | 1,713 |
| Equity capital to assets | 11.2621% | 2,903 |
| Core capital (leverage) ratio | 11.4980% | 2,026 |
| Tier 1 risk-based capital ratio | 17.9710% | 2,267 |
| Total risk-based capital ratio | 19.2240% | 2,228 |
| Memoranda: | ||
| Average total assets | $198,064,250 | 3,096 |
| Average earning assets | $188,238,750 | 2,995 |
| Average equity | $22,800,250 | 2,803 |
| Average total loans | $113,375,000 | 3,339 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2774% | 6,085 |
| Cost of funding earning assets | 0.5323% | 6,734 |
| Net interest margin | 3.7451% | 4,056 |
| Noninterest income to average assets | 0.3955% | 4,717 |
| Noninterest expense to average assets | 2.6602% | 4,965 |
| Loan and lease loss provision to assets | 0.1178% | 4,800 |
| Net operating income to assets | 0.8482% | 2,866 |
| Return on assets (ROA) | 0.8475% | 2,966 |
| Pretax return on assets | 1.1784% | 2,567 |
| Return on Equity (ROE) | 7.3059% | 3,296 |
| Retained earnings to average equity (ytd only) | 2.1555% | 4,911 |
| Net charge-offs to loans | 0.1376% | 4,369 |
| Credit loss provision to net charge-offs | 147.4359% | 2,073 |
| Earnings coverage of net charge-offs (x) | 16.2308% | 1,354 |
| Efficiency ratio | 67.2191% | 4,661 |
| Assets per employee ($millions) | 3.5293% | 4,862 |
| Cash dividends to net income (ytd only)* | 70.4958% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 3,985 |
| Loan loss allowance to noncurrent loans | 87.1642% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.1298% | 4,633 |
| Noncurrent loans to loans | 1.7544% | 3,816 |
| Net loans and leases to total assets | 58.1207% | 4,603 |
| Net loans and leases to deposits | 66.1759% | 4,977 |
| Net loans and leases to core deposits | 70.9288% | 4,960 |
| Total domestic deposits to total assets | 87.8275% | 2,260 |
| Equity capital to assets | 11.7191% | 2,316 |
| Core capital (leverage) ratio | 11.2348% | 2,086 |
| Tier 1 risk-based capital ratio | 17.8510% | 2,225 |
| Total risk-based capital ratio | 19.1039% | 2,173 |
| Memoranda: | ||
| Average total assets | $195,173,000 | 3,148 |
| Average earning assets | $185,627,000 | 3,051 |
| Average equity | $22,639,330 | 2,802 |
| Average total loans | $113,357,330 | 3,375 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 5,718 |
| Cost of funding earning assets | 0.5204% | 6,896 |
| Net interest margin | 3.8730% | 3,282 |
| Noninterest income to average assets | 0.3986% | 4,706 |
| Noninterest expense to average assets | 2.7593% | 4,604 |
| Loan and lease loss provision to assets | 0.0818% | 4,981 |
| Net operating income to assets | 0.7666% | 3,189 |
| Return on assets (ROA) | 0.7705% | 3,239 |
| Pretax return on assets | 1.2447% | 2,214 |
| Return on Equity (ROE) | 6.6770% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.6770% | 2,287 |
| Net charge-offs to loans | -0.0177% | 6,530 |
| Credit loss provision to net charge-offs | -800.0000% | 6,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6353% | 4,733 |
| Assets per employee ($millions) | 3.5339% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5505% | 3,958 |
| Loan loss allowance to noncurrent loans | 139.7935% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7438% | 5,447 |
| Noncurrent loans to loans | 1.1091% | 4,846 |
| Net loans and leases to total assets | 56.4713% | 4,916 |
| Net loans and leases to deposits | 63.9495% | 5,258 |
| Net loans and leases to core deposits | 67.5094% | 5,358 |
| Total domestic deposits to total assets | 88.3060% | 2,189 |
| Equity capital to assets | 11.5363% | 2,233 |
| Core capital (leverage) ratio | 11.5597% | 1,814 |
| Tier 1 risk-based capital ratio | 18.3149% | 2,012 |
| Total risk-based capital ratio | 19.5694% | 1,968 |
| Memoranda: | ||
| Average total assets | $195,704,500 | 3,171 |
| Average earning assets | $186,004,500 | 3,066 |
| Average equity | $22,585,000 | 2,791 |
| Average total loans | $112,751,000 | 3,419 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5715% | 6,189 |
| Cost of funding earning assets | 0.6501% | 7,004 |
| Net interest margin | 3.9214% | 3,392 |
| Noninterest income to average assets | 0.3828% | 5,039 |
| Noninterest expense to average assets | 2.8235% | 4,504 |
| Loan and lease loss provision to assets | 0.0524% | 6,635 |
| Net operating income to assets | 0.9841% | 2,094 |
| Return on assets (ROA) | 1.0040% | 2,130 |
| Pretax return on assets | 1.2577% | 2,057 |
| Return on Equity (ROE) | 8.7679% | 2,392 |
| Retained earnings to average equity (ytd only) | 2.6859% | 3,978 |
| Net charge-offs to loans | 0.0862% | 5,978 |
| Credit loss provision to net charge-offs | 115.7303% | 3,727 |
| Earnings coverage of net charge-offs (x) | 28.4045% | 763 |
| Efficiency ratio | 68.7206% | 4,422 |
| Assets per employee ($millions) | 3.3949% | 5,185 |
| Cash dividends to net income (ytd only)* | 69.3671% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5314% | 3,858 |
| Loan loss allowance to noncurrent loans | 165.2216% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 5,874 |
| Noncurrent loans to loans | 0.9269% | 5,196 |
| Net loans and leases to total assets | 56.9846% | 5,189 |
| Net loans and leases to deposits | 68.2254% | 5,073 |
| Net loans and leases to core deposits | 72.7806% | 5,129 |
| Total domestic deposits to total assets | 83.5240% | 4,590 |
| Equity capital to assets | 11.5445% | 2,224 |
| Core capital (leverage) ratio | 10.9033% | 2,225 |
| Tier 1 risk-based capital ratio | 18.0558% | 1,981 |
| Total risk-based capital ratio | 19.3098% | 1,942 |
| Memoranda: | ||
| Average total assets | $196,704,200 | 3,139 |
| Average earning assets | $186,896,400 | 3,043 |
| Average equity | $22,525,400 | 2,819 |
| Average total loans | $103,305,200 | 3,698 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5518% | 6,463 |
| Cost of funding earning assets | 0.6800% | 7,107 |
| Net interest margin | 3.8718% | 3,649 |
| Noninterest income to average assets | 0.3740% | 5,159 |
| Noninterest expense to average assets | 2.6895% | 4,920 |
| Loan and lease loss provision to assets | 0.0695% | 6,367 |
| Net operating income to assets | 1.0703% | 2,003 |
| Return on assets (ROA) | 1.0653% | 2,132 |
| Pretax return on assets | 1.2874% | 2,208 |
| Return on Equity (ROE) | 9.3212% | 2,381 |
| Retained earnings to average equity (ytd only) | 5.4935% | 2,650 |
| Net charge-offs to loans | 0.1767% | 4,897 |
| Credit loss provision to net charge-offs | 76.8657% | 5,231 |
| Earnings coverage of net charge-offs (x) | 15.0673% | 1,467 |
| Efficiency ratio | 66.3668% | 4,778 |
| Assets per employee ($millions) | 3.7112% | 4,484 |
| Cash dividends to net income (ytd only)* | 41.0647% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 4,008 |
| Loan loss allowance to noncurrent loans | 135.3952% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5703% | 6,011 |
| Noncurrent loans to loans | 1.1012% | 5,039 |
| Net loans and leases to total assets | 51.0151% | 6,219 |
| Net loans and leases to deposits | 57.6881% | 6,483 |
| Net loans and leases to core deposits | 61.6627% | 6,489 |
| Total domestic deposits to total assets | 88.4327% | 1,711 |
| Equity capital to assets | 11.3895% | 2,614 |
| Core capital (leverage) ratio | 11.1995% | 2,128 |
| Tier 1 risk-based capital ratio | 18.5968% | 1,846 |
| Total risk-based capital ratio | 19.8491% | 1,813 |
| Memoranda: | ||
| Average total assets | $197,502,250 | 3,177 |
| Average earning assets | $187,643,000 | 3,079 |
| Average equity | $22,571,750 | 2,860 |
| Average total loans | $101,134,750 | 3,831 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6337% | 6,361 |
| Cost of funding earning assets | 0.7324% | 7,117 |
| Net interest margin | 3.9013% | 3,439 |
| Noninterest income to average assets | 0.3707% | 5,175 |
| Noninterest expense to average assets | 2.6831% | 4,980 |
| Loan and lease loss provision to assets | 0.0563% | 6,395 |
| Net operating income to assets | 1.1518% | 1,696 |
| Return on assets (ROA) | 1.1500% | 1,759 |
| Pretax return on assets | 1.3385% | 1,978 |
| Return on Equity (ROE) | 10.0509% | 2,092 |
| Retained earnings to average equity (ytd only) | 4.2513% | 3,371 |
| Net charge-offs to loans | 0.1586% | 4,673 |
| Credit loss provision to net charge-offs | 69.6203% | 4,974 |
| Earnings coverage of net charge-offs (x) | 17.2658% | 1,356 |
| Efficiency ratio | 65.7631% | 5,027 |
| Assets per employee ($millions) | 3.5017% | 4,926 |
| Cash dividends to net income (ytd only)* | 57.7026% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 3,518 |
| Loan loss allowance to noncurrent loans | 155.7505% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 6,140 |
| Noncurrent loans to loans | 1.0175% | 5,274 |
| Net loans and leases to total assets | 51.5278% | 6,263 |
| Net loans and leases to deposits | 58.6983% | 6,521 |
| Net loans and leases to core deposits | 63.4697% | 6,450 |
| Total domestic deposits to total assets | 87.7842% | 2,118 |
| Equity capital to assets | 11.7293% | 2,262 |
| Core capital (leverage) ratio | 10.7581% | 2,428 |
| Tier 1 risk-based capital ratio | 18.9347% | 1,737 |
| Total risk-based capital ratio | 20.1874% | 1,704 |
| Memoranda: | ||
| Average total assets | $195,297,000 | 3,234 |
| Average earning assets | $185,684,000 | 3,123 |
| Average equity | $22,346,330 | 2,879 |
| Average total loans | $99,610,670 | 3,910 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6085% | 6,539 |
| Cost of funding earning assets | 0.7845% | 7,137 |
| Net interest margin | 3.8240% | 3,691 |
| Noninterest income to average assets | 0.3519% | 5,325 |
| Noninterest expense to average assets | 2.6565% | 5,121 |
| Loan and lease loss provision to assets | 0.0203% | 6,440 |
| Net operating income to assets | 0.9662% | 2,308 |
| Return on assets (ROA) | 0.9662% | 2,374 |
| Pretax return on assets | 1.3140% | 2,015 |
| Return on Equity (ROE) | 8.5491% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.5491% | 1,520 |
| Net charge-offs to loans | 0.0970% | 4,448 |
| Credit loss provision to net charge-offs | 41.6667% | 4,611 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 933 |
| Efficiency ratio | 66.5647% | 4,991 |
| Assets per employee ($millions) | 3.5490% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 3,322 |
| Loan loss allowance to noncurrent loans | 559.9303% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 7,122 |
| Noncurrent loans to loans | 0.2913% | 6,745 |
| Net loans and leases to total assets | 48.7668% | 6,598 |
| Net loans and leases to deposits | 55.0671% | 6,839 |
| Net loans and leases to core deposits | 60.0066% | 6,750 |
| Total domestic deposits to total assets | 88.5588% | 1,758 |
| Equity capital to assets | 11.2948% | 2,509 |
| Core capital (leverage) ratio | 10.9650% | 2,252 |
| Tier 1 risk-based capital ratio | 19.1495% | 1,684 |
| Total risk-based capital ratio | 20.4030% | 1,652 |
| Memoranda: | ||
| Average total assets | $196,648,000 | 3,264 |
| Average earning assets | $187,132,500 | 3,160 |
| Average equity | $22,224,500 | 2,913 |
| Average total loans | $98,997,000 | 3,984 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0256% | 6,352 |
| Cost of funding earning assets | 1.0278% | 7,153 |
| Net interest margin | 3.9978% | 2,873 |
| Noninterest income to average assets | 0.3661% | 5,469 |
| Noninterest expense to average assets | 2.7331% | 5,229 |
| Loan and lease loss provision to assets | 0.0265% | 7,248 |
| Net operating income to assets | 1.0506% | 1,665 |
| Return on assets (ROA) | 1.0101% | 1,858 |
| Pretax return on assets | 1.3502% | 1,557 |
| Return on Equity (ROE) | 9.0810% | 1,999 |
| Retained earnings to average equity (ytd only) | 2.8247% | 3,189 |
| Net charge-offs to loans | 0.0093% | 7,099 |
| Credit loss provision to net charge-offs | 566.6667% | 528 |
| Earnings coverage of net charge-offs (x) | 306.1111% | 92 |
| Efficiency ratio | 65.6398% | 5,465 |
| Assets per employee ($millions) | 3.5373% | 4,931 |
| Cash dividends to net income (ytd only)* | 68.8946% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 3,131 |
| Loan loss allowance to noncurrent loans | 132.7362% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 5,888 |
| Noncurrent loans to loans | 1.2346% | 4,887 |
| Net loans and leases to total assets | 50.2878% | 6,610 |
| Net loans and leases to deposits | 57.0570% | 6,846 |
| Net loans and leases to core deposits | 68.3668% | 6,859 |
| Total domestic deposits to total assets | 88.1362% | 1,905 |
| Equity capital to assets | 11.3087% | 2,458 |
| Core capital (leverage) ratio | 10.4165% | 2,673 |
| Tier 1 risk-based capital ratio | 18.9057% | 1,673 |
| Total risk-based capital ratio | 20.1595% | 1,639 |
| Memoranda: | ||
| Average total assets | $192,564,400 | 3,261 |
| Average earning assets | $182,923,800 | 3,182 |
| Average equity | $21,418,400 | 3,023 |
| Average total loans | $96,264,800 | 4,056 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0748% | 6,361 |
| Cost of funding earning assets | 1.0411% | 7,300 |
| Net interest margin | 4.0336% | 2,666 |
| Noninterest income to average assets | 0.3596% | 5,620 |
| Noninterest expense to average assets | 2.6476% | 5,534 |
| Loan and lease loss provision to assets | 0.0361% | 6,994 |
| Net operating income to assets | 1.0890% | 1,771 |
| Return on assets (ROA) | 0.9635% | 2,239 |
| Pretax return on assets | 1.3314% | 1,870 |
| Return on Equity (ROE) | 8.6995% | 2,373 |
| Retained earnings to average equity (ytd only) | 4.7195% | 2,644 |
| Net charge-offs to loans | 0.0196% | 6,634 |
| Credit loss provision to net charge-offs | 371.4286% | 1,088 |
| Earnings coverage of net charge-offs (x) | 158.6106% | 238 |
| Efficiency ratio | 63.1980% | 5,891 |
| Assets per employee ($millions) | 3.4436% | 5,068 |
| Cash dividends to net income (ytd only)* | 45.7495% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 2,679 |
| Loan loss allowance to noncurrent loans | 220.3528% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 6,579 |
| Noncurrent loans to loans | 0.7657% | 5,771 |
| Net loans and leases to total assets | 46.5758% | 7,063 |
| Net loans and leases to deposits | 52.4403% | 7,286 |
| Net loans and leases to core deposits | 59.5466% | 7,416 |
| Total domestic deposits to total assets | 88.8169% | 1,286 |
| Equity capital to assets | 11.0040% | 2,998 |
| Core capital (leverage) ratio | 11.3118% | 2,181 |
| Tier 1 risk-based capital ratio | 19.2409% | 1,696 |
| Total risk-based capital ratio | 20.4943% | 1,663 |
| Memoranda: | ||
| Average total assets | $192,068,000 | 3,292 |
| Average earning assets | $182,362,250 | 3,211 |
| Average equity | $21,272,750 | 3,062 |
| Average total loans | $95,464,750 | 4,106 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1440% | 6,274 |
| Cost of funding earning assets | 1.1314% | 7,296 |
| Net interest margin | 4.0127% | 2,648 |
| Noninterest income to average assets | 0.3493% | 5,710 |
| Noninterest expense to average assets | 2.6374% | 5,599 |
| Loan and lease loss provision to assets | 0.0552% | 6,672 |
| Net operating income to assets | 1.0542% | 1,934 |
| Return on assets (ROA) | 1.0618% | 1,983 |
| Pretax return on assets | 1.4896% | 1,476 |
| Return on Equity (ROE) | 9.5642% | 2,168 |
| Retained earnings to average equity (ytd only) | 3.4909% | 3,370 |
| Net charge-offs to loans | 0.0630% | 5,616 |
| Credit loss provision to net charge-offs | 173.3333% | 2,652 |
| Earnings coverage of net charge-offs (x) | 48.1667% | 701 |
| Efficiency ratio | 63.2222% | 6,052 |
| Assets per employee ($millions) | 3.1258% | 5,791 |
| Cash dividends to net income (ytd only)* | 63.5000% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 2,469 |
| Loan loss allowance to noncurrent loans | 187.1230% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 6,275 |
| Noncurrent loans to loans | 0.8896% | 5,437 |
| Net loans and leases to total assets | 51.6644% | 6,724 |
| Net loans and leases to deposits | 58.7987% | 6,974 |
| Net loans and leases to core deposits | 67.7183% | 7,133 |
| Total domestic deposits to total assets | 87.8665% | 1,830 |
| Equity capital to assets | 11.6146% | 2,460 |
| Core capital (leverage) ratio | 10.9567% | 2,441 |
| Tier 1 risk-based capital ratio | 19.3431% | 1,711 |
| Total risk-based capital ratio | 20.5969% | 1,666 |
| Memoranda: | ||
| Average total assets | $188,366,670 | 3,354 |
| Average earning assets | $179,431,000 | 3,264 |
| Average equity | $20,911,330 | 3,113 |
| Average total loans | $95,202,000 | 4,138 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 6,550 |
| Cost of funding earning assets | 1.1487% | 7,420 |
| Net interest margin | 3.9863% | 2,699 |
| Noninterest income to average assets | 0.3215% | 5,880 |
| Noninterest expense to average assets | 2.6731% | 5,133 |
| Loan and lease loss provision to assets | 0.0946% | 5,750 |
| Net operating income to assets | 0.9730% | 2,428 |
| Return on assets (ROA) | 0.9730% | 2,551 |
| Pretax return on assets | 1.3534% | 2,110 |
| Return on Equity (ROE) | 8.9655% | 2,736 |
| Retained earnings to average equity (ytd only) | 8.9655% | 1,495 |
| Net charge-offs to loans | 0.1187% | 4,022 |
| Credit loss provision to net charge-offs | 160.7143% | 2,638 |
| Earnings coverage of net charge-offs (x) | 24.6071% | 1,234 |
| Efficiency ratio | 64.8649% | 5,525 |
| Assets per employee ($millions) | 3.2483% | 5,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 2,085 |
| Loan loss allowance to noncurrent loans | 186.7749% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 6,144 |
| Noncurrent loans to loans | 0.9197% | 5,161 |
| Net loans and leases to total assets | 48.0673% | 7,017 |
| Net loans and leases to deposits | 54.0994% | 7,280 |
| Net loans and leases to core deposits | 63.0253% | 7,353 |
| Total domestic deposits to total assets | 88.8500% | 1,305 |
| Equity capital to assets | 10.9121% | 3,054 |
| Core capital (leverage) ratio | 11.1620% | 2,370 |
| Tier 1 risk-based capital ratio | 19.4375% | 1,730 |
| Total risk-based capital ratio | 20.6916% | 1,676 |
| Memoranda: | ||
| Average total assets | $190,338,500 | 3,356 |
| Average earning assets | $181,422,500 | 3,260 |
| Average equity | $20,657,000 | 3,159 |
| Average total loans | $94,356,000 | 4,197 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6228% | 7,003 |
| Cost of funding earning assets | 1.4945% | 7,620 |
| Net interest margin | 4.1284% | 2,591 |
| Noninterest income to average assets | 0.3803% | 5,640 |
| Noninterest expense to average assets | 2.5099% | 5,963 |
| Loan and lease loss provision to assets | 0.0725% | 6,486 |
| Net operating income to assets | 1.1877% | 1,811 |
| Return on assets (ROA) | 1.2144% | 1,678 |
| Pretax return on assets | 1.7397% | 1,067 |
| Return on Equity (ROE) | 11.2995% | 1,816 |
| Retained earnings to average equity (ytd only) | 4.6727% | 2,220 |
| Net charge-offs to loans | 0.0576% | 5,950 |
| Credit loss provision to net charge-offs | 250.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 61.1667% | 654 |
| Efficiency ratio | 58.5883% | 6,592 |
| Assets per employee ($millions) | 3.2591% | 5,314 |
| Cash dividends to net income (ytd only)* | 58.6466% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 2,007 |
| Loan loss allowance to noncurrent loans | 206.7885% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4052% | 6,001 |
| Noncurrent loans to loans | 0.8065% | 5,027 |
| Net loans and leases to total assets | 49.4093% | 7,079 |
| Net loans and leases to deposits | 55.7701% | 7,338 |
| Net loans and leases to core deposits | 65.9984% | 7,362 |
| Total domestic deposits to total assets | 88.5948% | 1,207 |
| Equity capital to assets | 10.7926% | 3,209 |
| Core capital (leverage) ratio | 10.4583% | 3,013 |
| Tier 1 risk-based capital ratio | 19.0286% | 1,808 |
| Total risk-based capital ratio | 20.2822% | 1,762 |
| Memoranda: | ||
| Average total assets | $186,185,600 | 3,324 |
| Average earning assets | $176,050,000 | 3,243 |
| Average equity | $20,009,800 | 3,225 |
| Average total loans | $93,753,200 | 4,111 |