Home > The Port Washington State Bank > Performance and Condition Ratios
The Port Washington State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 4,003 |
| Cost of funding earning assets | 1.6143% | 1,656 |
| Net interest margin | 2.3601% | 4,216 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.0509% | 3,515 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.3676% | 3,932 |
| Return on assets (ROA) | 0.3677% | 3,923 |
| Pretax return on assets | 0.4503% | 3,895 |
| Return on Equity (ROE) | 6.9400% | 3,299 |
| Retained earnings to average equity (ytd only) | 4.9127% | 2,627 |
| Net charge-offs to loans | 0.0178% | 2,002 |
| Credit loss provision to net charge-offs | 418.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 47.2100% | 1,328 |
| Efficiency ratio | 80.1930% | 903 |
| Assets per employee ($millions) | 8.6019% | 1,145 |
| Cash dividends to net income (ytd only)* | 29.1800% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 3,121 |
| Loan loss allowance to noncurrent loans | 739.2109% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 2,986 |
| Noncurrent loans to loans | 0.1404% | 2,811 |
| Net loans and leases to total assets | 58.8100% | 2,969 |
| Net loans and leases to deposits | 66.3600% | 3,149 |
| Net loans and leases to core deposits | 69.6380% | 3,330 |
| Total domestic deposits to total assets | 88.6200% | 1,176 |
| Equity capital to assets | 5.6673% | 4,303 |
| Core capital (leverage) ratio | 8.8004% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5039% | 2,065 |
| Memoranda: | ||
| Average total assets | $932,000,800 | 1,051 |
| Average earning assets | $867,723,800 | 1,035 |
| Average equity | $49,402,600 | 1,625 |
| Average total loans | $561,728,400 | 1,130 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9286% | 3,961 |
| Cost of funding earning assets | 1.5506% | 1,478 |
| Net interest margin | 2.3780% | 4,254 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.1107% | 3,328 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.3133% | 4,101 |
| Return on assets (ROA) | 0.3134% | 4,106 |
| Pretax return on assets | 0.3944% | 4,072 |
| Return on Equity (ROE) | 6.0200% | 3,636 |
| Retained earnings to average equity (ytd only) | 3.9375% | 3,274 |
| Net charge-offs to loans | 0.0024% | 2,464 |
| Credit loss provision to net charge-offs | 3,950.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 317.6000% | 434 |
| Efficiency ratio | 82.1292% | 721 |
| Assets per employee ($millions) | 8.0267% | 1,333 |
| Cash dividends to net income (ytd only)* | 34.6101% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 2,993 |
| Loan loss allowance to noncurrent loans | 626.2397% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 2,859 |
| Noncurrent loans to loans | 0.1716% | 2,677 |
| Net loans and leases to total assets | 62.0600% | 2,652 |
| Net loans and leases to deposits | 69.7815% | 2,854 |
| Net loans and leases to core deposits | 73.4957% | 3,022 |
| Total domestic deposits to total assets | 88.9400% | 1,277 |
| Equity capital to assets | 4.9024% | 4,268 |
| Core capital (leverage) ratio | 8.6521% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5627% | 2,057 |
| Memoranda: | ||
| Average total assets | $921,996,500 | 1,065 |
| Average earning assets | $858,241,000 | 1,047 |
| Average equity | $47,981,500 | 1,646 |
| Average total loans | $557,751,250 | 1,136 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 4,017 |
| Cost of funding earning assets | 1.4267% | 1,379 |
| Net interest margin | 2.3728% | 4,322 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.0859% | 3,387 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.3032% | 4,151 |
| Return on assets (ROA) | 0.3033% | 4,177 |
| Pretax return on assets | 0.3806% | 4,142 |
| Return on Equity (ROE) | 5.7200% | 3,753 |
| Retained earnings to average equity (ytd only) | 3.6928% | 3,285 |
| Net charge-offs to loans | -0.0094% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.8988% | 715 |
| Assets per employee ($millions) | 8.0272% | 1,304 |
| Cash dividends to net income (ytd only)* | 35.4610% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 2,979 |
| Loan loss allowance to noncurrent loans | 762.6098% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 2,923 |
| Noncurrent loans to loans | 0.1435% | 2,751 |
| Net loans and leases to total assets | 60.0100% | 2,769 |
| Net loans and leases to deposits | 67.6280% | 2,938 |
| Net loans and leases to core deposits | 71.3739% | 3,044 |
| Total domestic deposits to total assets | 88.7400% | 1,337 |
| Equity capital to assets | 5.3069% | 4,328 |
| Core capital (leverage) ratio | 8.6701% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8173% | 1,973 |
| Memoranda: | ||
| Average total assets | $929,664,000 | 1,044 |
| Average earning assets | $865,801,333 | 1,031 |
| Average equity | $49,284,667 | 1,613 |
| Average total loans | $555,671,333 | 1,127 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7002% | 4,020 |
| Cost of funding earning assets | 1.3053% | 1,219 |
| Net interest margin | 2.3949% | 4,385 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.0633% | 3,464 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.3160% | 4,229 |
| Return on assets (ROA) | 0.3163% | 4,188 |
| Pretax return on assets | 0.3996% | 4,135 |
| Return on Equity (ROE) | 5.9700% | 3,718 |
| Retained earnings to average equity (ytd only) | 3.9560% | 3,280 |
| Net charge-offs to loans | -0.0367% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.6441% | 783 |
| Assets per employee ($millions) | 7.8571% | 1,429 |
| Cash dividends to net income (ytd only)* | 33.7382% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,207 |
| Loan loss allowance to noncurrent loans | 721.5758% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 2,914 |
| Noncurrent loans to loans | 0.1481% | 2,753 |
| Net loans and leases to total assets | 59.9500% | 2,653 |
| Net loans and leases to deposits | 67.7112% | 2,791 |
| Net loans and leases to core deposits | 71.4535% | 2,854 |
| Total domestic deposits to total assets | 88.5400% | 1,721 |
| Equity capital to assets | 5.5736% | 4,325 |
| Core capital (leverage) ratio | 8.4504% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7401% | 2,068 |
| Memoranda: | ||
| Average total assets | $936,948,000 | 1,053 |
| Average earning assets | $873,028,500 | 1,037 |
| Average equity | $49,645,500 | 1,622 |
| Average total loans | $555,873,500 | 1,141 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0514% | 4,073 |
| Cost of funding earning assets | 0.3636% | 2,377 |
| Net interest margin | 2.6878% | 4,074 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.0524% | 3,435 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.6521% | 3,751 |
| Return on assets (ROA) | 0.6485% | 3,711 |
| Pretax return on assets | 0.8543% | 3,475 |
| Return on Equity (ROE) | 10.6900% | 2,580 |
| Retained earnings to average equity (ytd only) | 7.3178% | 2,097 |
| Net charge-offs to loans | 0.0174% | 1,762 |
| Credit loss provision to net charge-offs | 674.1573% | 554 |
| Earnings coverage of net charge-offs (x) | 96.3034% | 989 |
| Efficiency ratio | 68.9055% | 1,850 |
| Assets per employee ($millions) | 8.2295% | 1,219 |
| Cash dividends to net income (ytd only)* | 31.5667% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 3,099 |
| Loan loss allowance to noncurrent loans | 1,725.0737% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 3,447 |
| Noncurrent loans to loans | 0.0611% | 3,314 |
| Net loans and leases to total assets | 57.4900% | 2,874 |
| Net loans and leases to deposits | 62.6116% | 3,144 |
| Net loans and leases to core deposits | 65.2846% | 3,182 |
| Total domestic deposits to total assets | 91.8200% | 683 |
| Equity capital to assets | 5.0339% | 4,360 |
| Core capital (leverage) ratio | 8.5960% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5009% | 2,168 |
| Memoranda: | ||
| Average total assets | $928,083,800 | 1,047 |
| Average earning assets | $870,187,800 | 1,027 |
| Average equity | $56,287,200 | 1,475 |
| Average total loans | $512,521,400 | 1,159 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9229% | 4,029 |
| Cost of funding earning assets | 0.2295% | 2,936 |
| Net interest margin | 2.6934% | 3,942 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.0241% | 3,418 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.7072% | 3,550 |
| Return on assets (ROA) | 0.7024% | 3,520 |
| Pretax return on assets | 0.9274% | 3,244 |
| Return on Equity (ROE) | 11.0900% | 2,344 |
| Retained earnings to average equity (ytd only) | 7.8359% | 2,066 |
| Net charge-offs to loans | 0.0181% | 1,480 |
| Credit loss provision to net charge-offs | 661.7647% | 527 |
| Earnings coverage of net charge-offs (x) | 101.4853% | 945 |
| Efficiency ratio | 66.8837% | 2,170 |
| Assets per employee ($millions) | 7.4611% | 1,637 |
| Cash dividends to net income (ytd only)* | 29.3572% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,160 |
| Loan loss allowance to noncurrent loans | 2,363.2231% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,659 |
| Noncurrent loans to loans | 0.0452% | 3,564 |
| Net loans and leases to total assets | 59.7000% | 2,532 |
| Net loans and leases to deposits | 63.6614% | 2,894 |
| Net loans and leases to core deposits | 66.1778% | 2,944 |
| Total domestic deposits to total assets | 93.7700% | 402 |
| Equity capital to assets | 5.1352% | 4,257 |
| Core capital (leverage) ratio | 8.4599% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7474% | 2,153 |
| Memoranda: | ||
| Average total assets | $921,450,500 | 1,061 |
| Average earning assets | $866,182,750 | 1,045 |
| Average equity | $58,345,500 | 1,450 |
| Average total loans | $501,989,000 | 1,173 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7375% | 4,090 |
| Cost of funding earning assets | 0.1683% | 3,340 |
| Net interest margin | 2.5692% | 3,958 |
| Noninterest income to average assets | 0.5395% | 1,995 |
| Noninterest expense to average assets | 1.9918% | 3,447 |
| Loan and lease loss provision to assets | 0.0643% | 1,450 |
| Net operating income to assets | 0.6875% | 3,350 |
| Return on assets (ROA) | 0.6804% | 3,332 |
| Pretax return on assets | 0.8974% | 3,075 |
| Return on Equity (ROE) | 10.1380% | 2,288 |
| Retained earnings to average equity (ytd only) | 7.1027% | 1,956 |
| Net charge-offs to loans | 0.0310% | 1,103 |
| Credit loss provision to net charge-offs | 394.7368% | 705 |
| Earnings coverage of net charge-offs (x) | 59.5658% | 1,082 |
| Efficiency ratio | 67.1082% | 2,370 |
| Assets per employee ($millions) | 7.6899% | 1,486 |
| Cash dividends to net income (ytd only)* | 29.9401% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,179 |
| Loan loss allowance to noncurrent loans | 15,029.7297% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,015 |
| Noncurrent loans to loans | 0.0073% | 3,945 |
| Net loans and leases to total assets | 55.2993% | 2,824 |
| Net loans and leases to deposits | 59.4596% | 3,092 |
| Net loans and leases to core deposits | 62.5745% | 3,069 |
| Total domestic deposits to total assets | 93.0032% | 513 |
| Equity capital to assets | 5.9492% | 4,216 |
| Core capital (leverage) ratio | 8.3454% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9993% | 2,061 |
| Memoranda: | ||
| Average total assets | $932,645,000 | 1,050 |
| Average earning assets | $879,565,667 | 1,036 |
| Average equity | $62,596,000 | 1,399 |
| Average total loans | $490,740,667 | 1,187 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6278% | 4,072 |
| Cost of funding earning assets | 0.1624% | 3,334 |
| Net interest margin | 2.4654% | 3,964 |
| Noninterest income to average assets | 0.6559% | 1,464 |
| Noninterest expense to average assets | 1.9664% | 3,516 |
| Loan and lease loss provision to assets | 0.0635% | 1,279 |
| Net operating income to assets | 0.7240% | 2,965 |
| Return on assets (ROA) | 0.7240% | 2,956 |
| Pretax return on assets | 0.9585% | 2,581 |
| Return on Equity (ROE) | 10.2299% | 1,875 |
| Retained earnings to average equity (ytd only) | 7.3899% | 1,767 |
| Net charge-offs to loans | 0.0514% | 776 |
| Credit loss provision to net charge-offs | 241.9355% | 728 |
| Earnings coverage of net charge-offs (x) | 38.9516% | 1,018 |
| Efficiency ratio | 65.5622% | 2,824 |
| Assets per employee ($millions) | 8.0423% | 1,333 |
| Cash dividends to net income (ytd only)* | 27.7615% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 3,205 |
| Loan loss allowance to noncurrent loans | 9,353.4483% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 4,028 |
| Noncurrent loans to loans | 0.0121% | 3,929 |
| Net loans and leases to total assets | 50.8940% | 3,081 |
| Net loans and leases to deposits | 55.0065% | 3,344 |
| Net loans and leases to core deposits | 58.3611% | 3,280 |
| Total domestic deposits to total assets | 92.5236% | 397 |
| Equity capital to assets | 6.4738% | 4,434 |
| Core capital (leverage) ratio | 8.1494% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6101% | 1,950 |
| Memoranda: | ||
| Average total assets | $945,263,000 | 1,042 |
| Average earning assets | $894,285,500 | 1,021 |
| Average equity | $66,902,000 | 1,373 |
| Average total loans | $482,435,000 | 1,193 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6615% | 4,346 |
| Cost of funding earning assets | 0.2134% | 3,337 |
| Net interest margin | 2.4481% | 4,258 |
| Noninterest income to average assets | 0.8996% | 1,198 |
| Noninterest expense to average assets | 2.1591% | 3,203 |
| Loan and lease loss provision to assets | 0.1366% | 890 |
| Net operating income to assets | 0.7008% | 3,626 |
| Return on assets (ROA) | 0.7047% | 3,670 |
| Pretax return on assets | 0.9348% | 3,407 |
| Return on Equity (ROE) | 9.2021% | 2,830 |
| Retained earnings to average equity (ytd only) | 6.3794% | 2,185 |
| Net charge-offs to loans | 0.0336% | 1,561 |
| Credit loss provision to net charge-offs | 760.1266% | 628 |
| Earnings coverage of net charge-offs (x) | 59.3291% | 1,183 |
| Efficiency ratio | 66.5373% | 2,185 |
| Assets per employee ($millions) | 8.0472% | 1,305 |
| Cash dividends to net income (ytd only)* | 30.6748% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 3,350 |
| Loan loss allowance to noncurrent loans | 4,043.1818% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 3,999 |
| Noncurrent loans to loans | 0.0272% | 3,877 |
| Net loans and leases to total assets | 50.0527% | 3,270 |
| Net loans and leases to deposits | 54.7125% | 3,540 |
| Net loans and leases to core deposits | 57.2455% | 3,532 |
| Total domestic deposits to total assets | 91.4831% | 319 |
| Equity capital to assets | 7.6658% | 4,520 |
| Core capital (leverage) ratio | 8.4077% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4815% | 2,056 |
| Memoranda: | ||
| Average total assets | $878,948,000 | 1,064 |
| Average earning assets | $835,107,200 | 1,045 |
| Average equity | $67,310,800 | 1,391 |
| Average total loans | $470,070,000 | 1,219 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7129% | 4,393 |
| Cost of funding earning assets | 0.2291% | 3,337 |
| Net interest margin | 2.4839% | 4,305 |
| Noninterest income to average assets | 0.9772% | 1,111 |
| Noninterest expense to average assets | 2.2010% | 3,064 |
| Loan and lease loss provision to assets | 0.1397% | 811 |
| Net operating income to assets | 0.7495% | 3,654 |
| Return on assets (ROA) | 0.7498% | 3,718 |
| Pretax return on assets | 0.9957% | 3,473 |
| Return on Equity (ROE) | 9.7931% | 2,811 |
| Retained earnings to average equity (ytd only) | 6.9050% | 2,457 |
| Net charge-offs to loans | 0.0420% | 1,258 |
| Credit loss provision to net charge-offs | 612.2449% | 696 |
| Earnings coverage of net charge-offs (x) | 49.7619% | 1,245 |
| Efficiency ratio | 65.5721% | 2,163 |
| Assets per employee ($millions) | 7.3986% | 1,624 |
| Cash dividends to net income (ytd only)* | 29.4909% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 3,424 |
| Loan loss allowance to noncurrent loans | 1,450.2874% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 3,895 |
| Noncurrent loans to loans | 0.0761% | 3,712 |
| Net loans and leases to total assets | 50.5287% | 3,346 |
| Net loans and leases to deposits | 55.1119% | 3,644 |
| Net loans and leases to core deposits | 57.3115% | 3,675 |
| Total domestic deposits to total assets | 91.6839% | 192 |
| Equity capital to assets | 7.4098% | 4,730 |
| Core capital (leverage) ratio | 7.6049% | 4,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8621% | 2,409 |
| Memoranda: | ||
| Average total assets | $859,280,500 | 1,094 |
| Average earning assets | $816,023,000 | 1,073 |
| Average equity | $65,786,250 | 1,429 |
| Average total loans | $466,424,750 | 1,251 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7117% | 4,445 |
| Cost of funding earning assets | 0.2483% | 3,295 |
| Net interest margin | 2.4634% | 4,351 |
| Noninterest income to average assets | 0.9430% | 1,170 |
| Noninterest expense to average assets | 2.2460% | 2,934 |
| Loan and lease loss provision to assets | 0.1416% | 858 |
| Net operating income to assets | 0.6764% | 3,815 |
| Return on assets (ROA) | 0.6767% | 3,883 |
| Pretax return on assets | 0.8932% | 3,679 |
| Return on Equity (ROE) | 8.7404% | 3,181 |
| Retained earnings to average equity (ytd only) | 5.8442% | 2,870 |
| Net charge-offs to loans | 0.0643% | 975 |
| Credit loss provision to net charge-offs | 397.3510% | 764 |
| Earnings coverage of net charge-offs (x) | 29.0199% | 1,327 |
| Efficiency ratio | 68.0219% | 1,879 |
| Assets per employee ($millions) | 7.5252% | 1,463 |
| Cash dividends to net income (ytd only)* | 33.1357% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,742 |
| Loan loss allowance to noncurrent loans | 1,324.8603% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 3,973 |
| Noncurrent loans to loans | 0.0774% | 3,800 |
| Net loans and leases to total assets | 53.3316% | 3,217 |
| Net loans and leases to deposits | 58.3986% | 3,510 |
| Net loans and leases to core deposits | 61.3741% | 3,518 |
| Total domestic deposits to total assets | 91.3235% | 277 |
| Equity capital to assets | 7.7169% | 4,665 |
| Core capital (leverage) ratio | 7.7771% | 4,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8353% | 2,428 |
| Memoranda: | ||
| Average total assets | $847,297,667 | 1,100 |
| Average earning assets | $803,936,000 | 1,085 |
| Average equity | $65,603,333 | 1,425 |
| Average total loans | $469,434,667 | 1,243 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6987% | 4,479 |
| Cost of funding earning assets | 0.2653% | 3,325 |
| Net interest margin | 2.4334% | 4,380 |
| Noninterest income to average assets | 1.0081% | 1,117 |
| Noninterest expense to average assets | 2.2613% | 2,903 |
| Loan and lease loss provision to assets | 0.1425% | 932 |
| Net operating income to assets | 0.6919% | 3,727 |
| Return on assets (ROA) | 0.6926% | 3,790 |
| Pretax return on assets | 0.9145% | 3,571 |
| Return on Equity (ROE) | 8.9305% | 3,054 |
| Retained earnings to average equity (ytd only) | 6.0210% | 2,891 |
| Net charge-offs to loans | 0.1142% | 621 |
| Credit loss provision to net charge-offs | 222.2222% | 856 |
| Earnings coverage of net charge-offs (x) | 16.4667% | 1,319 |
| Efficiency ratio | 67.7073% | 1,969 |
| Assets per employee ($millions) | 7.3322% | 1,573 |
| Cash dividends to net income (ytd only)* | 32.5789% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 4,059 |
| Loan loss allowance to noncurrent loans | 1,064.2005% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 3,790 |
| Noncurrent loans to loans | 0.0880% | 3,867 |
| Net loans and leases to total assets | 55.9694% | 3,041 |
| Net loans and leases to deposits | 61.2709% | 3,388 |
| Net loans and leases to core deposits | 64.4803% | 3,369 |
| Total domestic deposits to total assets | 91.3474% | 283 |
| Equity capital to assets | 7.6694% | 4,648 |
| Core capital (leverage) ratio | 7.8436% | 4,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1140% | 2,245 |
| Memoranda: | ||
| Average total assets | $842,011,500 | 1,098 |
| Average earning assets | $799,054,000 | 1,080 |
| Average equity | $65,304,500 | 1,425 |
| Average total loans | $473,022,500 | 1,239 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4703% | 4,076 |
| Cost of funding earning assets | 0.5050% | 2,920 |
| Net interest margin | 2.9654% | 3,973 |
| Noninterest income to average assets | 1.1659% | 805 |
| Noninterest expense to average assets | 2.3926% | 3,154 |
| Loan and lease loss provision to assets | 0.1790% | 2,152 |
| Net operating income to assets | 1.0463% | 2,116 |
| Return on assets (ROA) | 1.0780% | 2,136 |
| Pretax return on assets | 1.4376% | 1,548 |
| Return on Equity (ROE) | 12.3445% | 1,222 |
| Retained earnings to average equity (ytd only) | 10.1023% | 566 |
| Net charge-offs to loans | 0.1122% | 1,353 |
| Credit loss provision to net charge-offs | 250.6849% | 1,937 |
| Earnings coverage of net charge-offs (x) | 22.0587% | 1,872 |
| Efficiency ratio | 59.8295% | 3,487 |
| Assets per employee ($millions) | 7.3115% | 1,392 |
| Cash dividends to net income (ytd only)* | 18.1629% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 4,149 |
| Loan loss allowance to noncurrent loans | 635.2071% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 3,632 |
| Noncurrent loans to loans | 0.1439% | 3,712 |
| Net loans and leases to total assets | 55.3456% | 3,360 |
| Net loans and leases to deposits | 60.6893% | 3,707 |
| Net loans and leases to core deposits | 63.7683% | 3,705 |
| Total domestic deposits to total assets | 91.1950% | 180 |
| Equity capital to assets | 7.8424% | 4,762 |
| Core capital (leverage) ratio | 8.4910% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0506% | 2,216 |
| Memoranda: | ||
| Average total assets | $715,000,000 | 1,156 |
| Average earning assets | $675,898,200 | 1,140 |
| Average equity | $62,441,000 | 1,402 |
| Average total loans | $455,409,400 | 1,216 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 3,821 |
| Cost of funding earning assets | 0.5778% | 2,750 |
| Net interest margin | 3.1099% | 3,714 |
| Noninterest income to average assets | 1.0740% | 903 |
| Noninterest expense to average assets | 2.4835% | 2,897 |
| Loan and lease loss provision to assets | 0.1423% | 2,599 |
| Net operating income to assets | 1.0364% | 2,201 |
| Return on assets (ROA) | 1.0984% | 2,113 |
| Pretax return on assets | 1.4629% | 1,535 |
| Return on Equity (ROE) | 12.1947% | 1,319 |
| Retained earnings to average equity (ytd only) | 9.9208% | 784 |
| Net charge-offs to loans | 0.1316% | 1,095 |
| Credit loss provision to net charge-offs | 163.6771% | 2,250 |
| Earnings coverage of net charge-offs (x) | 17.5516% | 2,007 |
| Efficiency ratio | 61.4591% | 3,152 |
| Assets per employee ($millions) | 6.2408% | 2,054 |
| Cash dividends to net income (ytd only)* | 18.6468% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7988% | 4,362 |
| Loan loss allowance to noncurrent loans | 551.0854% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 3,640 |
| Noncurrent loans to loans | 0.1450% | 3,804 |
| Net loans and leases to total assets | 64.2155% | 2,748 |
| Net loans and leases to deposits | 71.6711% | 3,164 |
| Net loans and leases to core deposits | 75.1622% | 3,229 |
| Total domestic deposits to total assets | 89.5975% | 554 |
| Equity capital to assets | 8.7319% | 4,304 |
| Core capital (leverage) ratio | 8.5391% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0430% | 2,181 |
| Memoranda: | ||
| Average total assets | $683,545,750 | 1,183 |
| Average earning assets | $645,405,500 | 1,163 |
| Average equity | $61,566,250 | 1,407 |
| Average total loans | $451,849,500 | 1,216 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8500% | 3,743 |
| Cost of funding earning assets | 0.6576% | 2,645 |
| Net interest margin | 3.1924% | 3,689 |
| Noninterest income to average assets | 0.9575% | 1,059 |
| Noninterest expense to average assets | 2.5429% | 2,848 |
| Loan and lease loss provision to assets | 0.1051% | 2,961 |
| Net operating income to assets | 0.9895% | 2,364 |
| Return on assets (ROA) | 1.0806% | 2,154 |
| Pretax return on assets | 1.4356% | 1,625 |
| Return on Equity (ROE) | 11.8640% | 1,366 |
| Retained earnings to average equity (ytd only) | 9.5558% | 867 |
| Net charge-offs to loans | 0.1921% | 798 |
| Credit loss provision to net charge-offs | 82.1596% | 2,496 |
| Earnings coverage of net charge-offs (x) | 11.1408% | 2,112 |
| Efficiency ratio | 63.5965% | 2,871 |
| Assets per employee ($millions) | 6.4815% | 1,800 |
| Cash dividends to net income (ytd only)* | 19.4553% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7261% | 4,511 |
| Loan loss allowance to noncurrent loans | 895.5844% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 3,850 |
| Noncurrent loans to loans | 0.0811% | 4,135 |
| Net loans and leases to total assets | 66.1191% | 2,611 |
| Net loans and leases to deposits | 73.9181% | 3,082 |
| Net loans and leases to core deposits | 78.5196% | 3,066 |
| Total domestic deposits to total assets | 89.4492% | 594 |
| Equity capital to assets | 8.7918% | 4,274 |
| Core capital (leverage) ratio | 8.8742% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6881% | 2,320 |
| Memoranda: | ||
| Average total assets | $665,922,333 | 1,191 |
| Average earning assets | $628,054,000 | 1,173 |
| Average equity | $60,654,000 | 1,415 |
| Average total loans | $443,565,667 | 1,222 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,789 |
| Cost of funding earning assets | 0.7564% | 2,627 |
| Net interest margin | 3.2424% | 3,743 |
| Noninterest income to average assets | 0.7111% | 1,614 |
| Noninterest expense to average assets | 2.5778% | 3,051 |
| Loan and lease loss provision to assets | 0.0623% | 2,989 |
| Net operating income to assets | 0.8465% | 2,727 |
| Return on assets (ROA) | 0.9813% | 2,344 |
| Pretax return on assets | 1.2951% | 1,882 |
| Return on Equity (ROE) | 10.5702% | 1,547 |
| Retained earnings to average equity (ytd only) | 8.2227% | 1,166 |
| Net charge-offs to loans | 0.0168% | 2,035 |
| Credit loss provision to net charge-offs | 555.5556% | 827 |
| Earnings coverage of net charge-offs (x) | 105.8889% | 559 |
| Efficiency ratio | 67.9457% | 2,675 |
| Assets per employee ($millions) | 5.5808% | 2,041 |
| Cash dividends to net income (ytd only)* | 22.2081% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 4,330 |
| Loan loss allowance to noncurrent loans | 201.3400% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 3,345 |
| Noncurrent loans to loans | 0.4133% | 3,011 |
| Net loans and leases to total assets | 66.3879% | 2,769 |
| Net loans and leases to deposits | 74.0745% | 3,268 |
| Net loans and leases to core deposits | 78.4707% | 3,317 |
| Total domestic deposits to total assets | 89.6232% | 436 |
| Equity capital to assets | 9.4185% | 4,300 |
| Core capital (leverage) ratio | 9.2466% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5113% | 2,475 |
| Memoranda: | ||
| Average total assets | $642,399,500 | 1,197 |
| Average earning assets | $604,979,500 | 1,176 |
| Average equity | $59,639,500 | 1,428 |
| Average total loans | $427,920,500 | 1,228 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2270% | 3,744 |
| Cost of funding earning assets | 0.8461% | 2,450 |
| Net interest margin | 3.3809% | 3,794 |
| Noninterest income to average assets | 0.6577% | 1,975 |
| Noninterest expense to average assets | 2.5845% | 3,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9303% | 3,092 |
| Return on assets (ROA) | 0.9459% | 3,121 |
| Pretax return on assets | 1.2478% | 2,677 |
| Return on Equity (ROE) | 10.3245% | 2,153 |
| Retained earnings to average equity (ytd only) | 8.1578% | 928 |
| Net charge-offs to loans | 0.0488% | 2,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 37.1200% | 1,380 |
| Efficiency ratio | 67.2336% | 2,574 |
| Assets per employee ($millions) | 5.6913% | 1,884 |
| Cash dividends to net income (ytd only)* | 20.9864% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 4,202 |
| Loan loss allowance to noncurrent loans | 627.0463% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 4,036 |
| Noncurrent loans to loans | 0.1330% | 3,989 |
| Net loans and leases to total assets | 65.7227% | 2,982 |
| Net loans and leases to deposits | 73.1469% | 3,421 |
| Net loans and leases to core deposits | 76.2419% | 3,559 |
| Total domestic deposits to total assets | 89.8503% | 369 |
| Equity capital to assets | 9.1471% | 4,612 |
| Core capital (leverage) ratio | 9.5126% | 4,048 |
| Tier 1 risk-based capital ratio | 12.8097% | 3,890 |
| Total risk-based capital ratio | 13.5950% | 4,028 |
| Memoranda: | ||
| Average total assets | $604,519,200 | 1,216 |
| Average earning assets | $564,106,000 | 1,209 |
| Average equity | $55,382,800 | 1,464 |
| Average total loans | $410,026,200 | 1,243 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2640% | 3,766 |
| Cost of funding earning assets | 0.8527% | 2,455 |
| Net interest margin | 3.4113% | 3,838 |
| Noninterest income to average assets | 0.6093% | 2,160 |
| Noninterest expense to average assets | 2.5839% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9139% | 3,294 |
| Return on assets (ROA) | 0.9190% | 3,355 |
| Pretax return on assets | 1.2110% | 2,952 |
| Return on Equity (ROE) | 10.0268% | 2,417 |
| Retained earnings to average equity (ytd only) | 7.8312% | 1,478 |
| Net charge-offs to loans | 0.0151% | 2,858 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 117.1122% | 665 |
| Efficiency ratio | 67.6386% | 2,476 |
| Assets per employee ($millions) | 5.1814% | 2,364 |
| Cash dividends to net income (ytd only)* | 21.8978% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 4,064 |
| Loan loss allowance to noncurrent loans | 478.2835% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 3,914 |
| Noncurrent loans to loans | 0.1870% | 3,867 |
| Net loans and leases to total assets | 67.7891% | 2,816 |
| Net loans and leases to deposits | 75.8156% | 3,309 |
| Net loans and leases to core deposits | 78.8871% | 3,480 |
| Total domestic deposits to total assets | 89.4131% | 474 |
| Equity capital to assets | 9.6048% | 4,382 |
| Core capital (leverage) ratio | 9.2868% | 4,382 |
| Tier 1 risk-based capital ratio | 12.9329% | 3,886 |
| Total risk-based capital ratio | 13.7802% | 3,998 |
| Memoranda: | ||
| Average total assets | $596,292,750 | 1,231 |
| Average earning assets | $555,707,250 | 1,225 |
| Average equity | $54,652,000 | 1,480 |
| Average total loans | $406,918,500 | 1,260 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 3,845 |
| Cost of funding earning assets | 0.8257% | 2,519 |
| Net interest margin | 3.4048% | 3,880 |
| Noninterest income to average assets | 0.5139% | 2,598 |
| Noninterest expense to average assets | 2.5528% | 3,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8624% | 3,422 |
| Return on assets (ROA) | 0.8680% | 3,469 |
| Pretax return on assets | 1.1397% | 3,124 |
| Return on Equity (ROE) | 9.6259% | 2,571 |
| Retained earnings to average equity (ytd only) | 7.3882% | 1,657 |
| Net charge-offs to loans | 0.0133% | 2,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 124.7407% | 586 |
| Efficiency ratio | 68.6833% | 2,421 |
| Assets per employee ($millions) | 5.5239% | 1,943 |
| Cash dividends to net income (ytd only)* | 23.2468% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 4,036 |
| Loan loss allowance to noncurrent loans | 514.0473% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 3,951 |
| Noncurrent loans to loans | 0.1778% | 3,919 |
| Net loans and leases to total assets | 67.8016% | 2,843 |
| Net loans and leases to deposits | 75.6631% | 3,365 |
| Net loans and leases to core deposits | 79.3566% | 3,475 |
| Total domestic deposits to total assets | 89.6099% | 447 |
| Equity capital to assets | 9.4278% | 4,474 |
| Core capital (leverage) ratio | 9.3980% | 4,252 |
| Tier 1 risk-based capital ratio | 12.9026% | 3,889 |
| Total risk-based capital ratio | 13.7715% | 4,003 |
| Memoranda: | ||
| Average total assets | $594,708,670 | 1,236 |
| Average earning assets | $553,980,000 | 1,228 |
| Average equity | $53,626,330 | 1,498 |
| Average total loans | $405,517,670 | 1,266 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1984% | 3,872 |
| Cost of funding earning assets | 0.7973% | 2,553 |
| Net interest margin | 3.4011% | 3,878 |
| Noninterest income to average assets | 0.4667% | 2,754 |
| Noninterest expense to average assets | 2.4689% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8841% | 3,294 |
| Return on assets (ROA) | 0.8851% | 3,346 |
| Pretax return on assets | 1.1627% | 2,930 |
| Return on Equity (ROE) | 10.0423% | 2,351 |
| Retained earnings to average equity (ytd only) | 7.7600% | 1,751 |
| Net charge-offs to loans | 0.0158% | 2,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 108.2500% | 637 |
| Efficiency ratio | 67.4178% | 2,724 |
| Assets per employee ($millions) | 5.2769% | 2,196 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 4,123 |
| Loan loss allowance to noncurrent loans | 708.9866% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 4,178 |
| Noncurrent loans to loans | 0.1279% | 4,164 |
| Net loans and leases to total assets | 68.5796% | 2,682 |
| Net loans and leases to deposits | 76.1885% | 3,243 |
| Net loans and leases to core deposits | 79.7485% | 3,394 |
| Total domestic deposits to total assets | 90.0132% | 443 |
| Equity capital to assets | 9.0879% | 4,625 |
| Core capital (leverage) ratio | 9.0945% | 4,581 |
| Tier 1 risk-based capital ratio | 12.6089% | 4,093 |
| Total risk-based capital ratio | 13.4765% | 4,206 |
| Memoranda: | ||
| Average total assets | $596,532,500 | 1,234 |
| Average earning assets | $554,882,000 | 1,230 |
| Average equity | $52,577,500 | 1,510 |
| Average total loans | $406,054,000 | 1,270 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0492% | 3,893 |
| Cost of funding earning assets | 0.5529% | 3,028 |
| Net interest margin | 3.4963% | 3,717 |
| Noninterest income to average assets | 0.5790% | 2,402 |
| Noninterest expense to average assets | 2.4842% | 3,654 |
| Loan and lease loss provision to assets | 0.0431% | 3,323 |
| Net operating income to assets | 0.9768% | 3,109 |
| Return on assets (ROA) | 0.9776% | 3,108 |
| Pretax return on assets | 1.2901% | 2,543 |
| Return on Equity (ROE) | 11.6634% | 1,837 |
| Retained earnings to average equity (ytd only) | 9.6067% | 708 |
| Net charge-offs to loans | 0.1085% | 1,661 |
| Credit loss provision to net charge-offs | 57.8704% | 3,124 |
| Earnings coverage of net charge-offs (x) | 17.8889% | 2,167 |
| Efficiency ratio | 64.5151% | 3,117 |
| Assets per employee ($millions) | 5.7889% | 1,683 |
| Cash dividends to net income (ytd only)* | 17.6336% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 4,071 |
| Loan loss allowance to noncurrent loans | 802.5862% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 4,271 |
| Noncurrent loans to loans | 0.1151% | 4,210 |
| Net loans and leases to total assets | 66.3334% | 3,083 |
| Net loans and leases to deposits | 73.3064% | 3,561 |
| Net loans and leases to core deposits | 75.5101% | 3,751 |
| Total domestic deposits to total assets | 90.4878% | 325 |
| Equity capital to assets | 8.5448% | 4,905 |
| Core capital (leverage) ratio | 9.2122% | 4,441 |
| Tier 1 risk-based capital ratio | 12.3415% | 4,219 |
| Total risk-based capital ratio | 13.2113% | 4,342 |
| Memoranda: | ||
| Average total assets | $580,106,600 | 1,237 |
| Average earning assets | $537,145,800 | 1,236 |
| Average equity | $48,622,200 | 1,553 |
| Average total loans | $398,234,800 | 1,260 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 3,880 |
| Cost of funding earning assets | 0.5311% | 2,988 |
| Net interest margin | 3.4831% | 3,752 |
| Noninterest income to average assets | 0.5112% | 2,797 |
| Noninterest expense to average assets | 2.4837% | 3,637 |
| Loan and lease loss provision to assets | 0.0457% | 3,076 |
| Net operating income to assets | 0.9187% | 3,443 |
| Return on assets (ROA) | 0.9198% | 3,435 |
| Pretax return on assets | 1.2105% | 2,952 |
| Return on Equity (ROE) | 11.0300% | 2,164 |
| Retained earnings to average equity (ytd only) | 8.9431% | 1,241 |
| Net charge-offs to loans | 0.1363% | 1,188 |
| Credit loss provision to net charge-offs | 48.5222% | 2,844 |
| Earnings coverage of net charge-offs (x) | 13.3202% | 2,373 |
| Efficiency ratio | 65.8391% | 2,898 |
| Assets per employee ($millions) | 5.3532% | 2,076 |
| Cash dividends to net income (ytd only)* | 18.9204% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 4,134 |
| Loan loss allowance to noncurrent loans | 722.0703% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 3,846 |
| Noncurrent loans to loans | 0.1288% | 4,308 |
| Net loans and leases to total assets | 68.7376% | 2,833 |
| Net loans and leases to deposits | 75.9432% | 3,420 |
| Net loans and leases to core deposits | 78.5451% | 3,615 |
| Total domestic deposits to total assets | 90.5119% | 339 |
| Equity capital to assets | 8.5167% | 4,911 |
| Core capital (leverage) ratio | 8.8102% | 4,878 |
| Tier 1 risk-based capital ratio | 12.1491% | 4,410 |
| Total risk-based capital ratio | 13.0238% | 4,512 |
| Memoranda: | ||
| Average total assets | $574,621,500 | 1,247 |
| Average earning assets | $532,425,750 | 1,246 |
| Average equity | $47,916,750 | 1,570 |
| Average total loans | $397,023,000 | 1,265 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9151% | 4,030 |
| Cost of funding earning assets | 0.4939% | 3,044 |
| Net interest margin | 3.4211% | 3,892 |
| Noninterest income to average assets | 0.4763% | 2,994 |
| Noninterest expense to average assets | 2.4668% | 3,726 |
| Loan and lease loss provision to assets | 0.0685% | 2,512 |
| Net operating income to assets | 0.8428% | 3,710 |
| Return on assets (ROA) | 0.8442% | 3,703 |
| Pretax return on assets | 1.1070% | 3,291 |
| Return on Equity (ROE) | 10.1957% | 2,481 |
| Retained earnings to average equity (ytd only) | 8.0961% | 1,587 |
| Net charge-offs to loans | 0.0418% | 2,028 |
| Credit loss provision to net charge-offs | 237.3494% | 1,178 |
| Earnings coverage of net charge-offs (x) | 40.6747% | 1,276 |
| Efficiency ratio | 67.1474% | 2,791 |
| Assets per employee ($millions) | 5.8485% | 1,600 |
| Cash dividends to net income (ytd only)* | 20.5931% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 3,881 |
| Loan loss allowance to noncurrent loans | 771.5931% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 3,825 |
| Noncurrent loans to loans | 0.1289% | 4,327 |
| Net loans and leases to total assets | 69.8181% | 2,605 |
| Net loans and leases to deposits | 76.9947% | 3,254 |
| Net loans and leases to core deposits | 81.0885% | 3,313 |
| Total domestic deposits to total assets | 90.6792% | 336 |
| Equity capital to assets | 8.3905% | 5,023 |
| Core capital (leverage) ratio | 8.7988% | 4,885 |
| Tier 1 risk-based capital ratio | 11.7094% | 4,683 |
| Total risk-based capital ratio | 12.6502% | 4,745 |
| Memoranda: | ||
| Average total assets | $575,232,000 | 1,248 |
| Average earning assets | $532,048,330 | 1,254 |
| Average equity | $47,628,000 | 1,582 |
| Average total loans | $396,891,000 | 1,267 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8500% | 4,080 |
| Cost of funding earning assets | 0.4693% | 3,050 |
| Net interest margin | 3.3807% | 3,946 |
| Noninterest income to average assets | 0.4304% | 3,237 |
| Noninterest expense to average assets | 2.4495% | 3,816 |
| Loan and lease loss provision to assets | 0.1027% | 1,807 |
| Net operating income to assets | 0.7663% | 3,847 |
| Return on assets (ROA) | 0.7663% | 3,846 |
| Pretax return on assets | 0.9981% | 3,539 |
| Return on Equity (ROE) | 9.3170% | 2,755 |
| Retained earnings to average equity (ytd only) | 7.2072% | 2,180 |
| Net charge-offs to loans | 0.0549% | 1,559 |
| Credit loss provision to net charge-offs | 274.0741% | 873 |
| Earnings coverage of net charge-offs (x) | 29.3704% | 1,250 |
| Efficiency ratio | 68.3675% | 2,770 |
| Assets per employee ($millions) | 5.4070% | 2,027 |
| Cash dividends to net income (ytd only)* | 22.6449% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,939 |
| Loan loss allowance to noncurrent loans | 1,156.0694% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 3,977 |
| Noncurrent loans to loans | 0.0867% | 4,597 |
| Net loans and leases to total assets | 68.9143% | 2,644 |
| Net loans and leases to deposits | 75.8153% | 3,235 |
| Net loans and leases to core deposits | 80.0872% | 3,316 |
| Total domestic deposits to total assets | 90.8977% | 350 |
| Equity capital to assets | 8.2584% | 5,131 |
| Core capital (leverage) ratio | 8.5223% | 5,127 |
| Tier 1 risk-based capital ratio | 11.7390% | 4,718 |
| Total risk-based capital ratio | 12.6987% | 4,782 |
| Memoranda: | ||
| Average total assets | $576,273,500 | 1,257 |
| Average earning assets | $531,839,500 | 1,260 |
| Average equity | $47,397,000 | 1,599 |
| Average total loans | $393,245,500 | 1,276 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 4,189 |
| Cost of funding earning assets | 0.3509% | 3,711 |
| Net interest margin | 3.4081% | 3,825 |
| Noninterest income to average assets | 0.5579% | 2,666 |
| Noninterest expense to average assets | 2.5378% | 3,649 |
| Loan and lease loss provision to assets | 0.0659% | 2,888 |
| Net operating income to assets | 0.6363% | 3,866 |
| Return on assets (ROA) | 0.6275% | 3,935 |
| Pretax return on assets | 1.0860% | 3,241 |
| Return on Equity (ROE) | 7.3774% | 3,085 |
| Retained earnings to average equity (ytd only) | 5.3692% | 1,888 |
| Net charge-offs to loans | 0.2101% | 1,240 |
| Credit loss provision to net charge-offs | 45.2471% | 3,384 |
| Earnings coverage of net charge-offs (x) | 8.0013% | 2,965 |
| Efficiency ratio | 67.8849% | 2,916 |
| Assets per employee ($millions) | 5.6253% | 1,818 |
| Cash dividends to net income (ytd only)* | 27.2219% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 3,887 |
| Loan loss allowance to noncurrent loans | 817.1548% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 3,840 |
| Noncurrent loans to loans | 0.1233% | 4,426 |
| Net loans and leases to total assets | 66.2073% | 3,077 |
| Net loans and leases to deposits | 72.8226% | 3,618 |
| Net loans and leases to core deposits | 75.5335% | 3,773 |
| Total domestic deposits to total assets | 90.9159% | 261 |
| Equity capital to assets | 8.1915% | 5,309 |
| Core capital (leverage) ratio | 8.8814% | 4,774 |
| Tier 1 risk-based capital ratio | 11.6161% | 4,781 |
| Total risk-based capital ratio | 12.5592% | 4,849 |
| Memoranda: | ||
| Average total assets | $541,532,000 | 1,296 |
| Average earning assets | $499,844,200 | 1,300 |
| Average equity | $46,059,400 | 1,636 |
| Average total loans | $375,599,000 | 1,300 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7536% | 4,166 |
| Cost of funding earning assets | 0.3470% | 3,703 |
| Net interest margin | 3.4066% | 3,829 |
| Noninterest income to average assets | 0.5348% | 2,806 |
| Noninterest expense to average assets | 2.5803% | 3,465 |
| Loan and lease loss provision to assets | 0.0639% | 2,792 |
| Net operating income to assets | 0.6991% | 3,989 |
| Return on assets (ROA) | 0.7002% | 4,041 |
| Pretax return on assets | 1.0435% | 3,513 |
| Return on Equity (ROE) | 8.1499% | 3,046 |
| Retained earnings to average equity (ytd only) | 6.1810% | 2,122 |
| Net charge-offs to loans | 0.1245% | 1,539 |
| Credit loss provision to net charge-offs | 73.2759% | 2,666 |
| Earnings coverage of net charge-offs (x) | 12.6810% | 2,408 |
| Efficiency ratio | 69.3474% | 2,643 |
| Assets per employee ($millions) | 5.1480% | 2,280 |
| Cash dividends to net income (ytd only)* | 24.1590% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 3,512 |
| Loan loss allowance to noncurrent loans | 1,489.4737% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 3,620 |
| Noncurrent loans to loans | 0.0735% | 4,783 |
| Net loans and leases to total assets | 72.3314% | 2,208 |
| Net loans and leases to deposits | 80.2475% | 2,948 |
| Net loans and leases to core deposits | 83.5734% | 3,171 |
| Total domestic deposits to total assets | 90.1354% | 429 |
| Equity capital to assets | 8.8977% | 5,000 |
| Core capital (leverage) ratio | 8.8993% | 4,867 |
| Tier 1 risk-based capital ratio | 11.5982% | 4,882 |
| Total risk-based capital ratio | 12.6345% | 4,914 |
| Memoranda: | ||
| Average total assets | $532,062,750 | 1,332 |
| Average earning assets | $492,209,750 | 1,331 |
| Average equity | $45,708,750 | 1,659 |
| Average total loans | $372,619,500 | 1,319 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6543% | 4,352 |
| Cost of funding earning assets | 0.3376% | 3,718 |
| Net interest margin | 3.3167% | 4,057 |
| Noninterest income to average assets | 0.5114% | 2,951 |
| Noninterest expense to average assets | 2.5547% | 3,566 |
| Loan and lease loss provision to assets | 0.0379% | 3,255 |
| Net operating income to assets | 0.6653% | 3,998 |
| Return on assets (ROA) | 0.6683% | 4,048 |
| Pretax return on assets | 0.9927% | 3,592 |
| Return on Equity (ROE) | 7.8729% | 3,110 |
| Retained earnings to average equity (ytd only) | 5.8825% | 2,181 |
| Net charge-offs to loans | 0.2133% | 957 |
| Credit loss provision to net charge-offs | 25.7653% | 2,749 |
| Earnings coverage of net charge-offs (x) | 6.9719% | 2,651 |
| Efficiency ratio | 70.6721% | 2,562 |
| Assets per employee ($millions) | 5.3759% | 1,989 |
| Cash dividends to net income (ytd only)* | 25.2809% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 3,639 |
| Loan loss allowance to noncurrent loans | 253.7304% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 2,737 |
| Noncurrent loans to loans | 0.4297% | 3,475 |
| Net loans and leases to total assets | 68.9870% | 2,671 |
| Net loans and leases to deposits | 76.3763% | 3,298 |
| Net loans and leases to core deposits | 81.2505% | 3,316 |
| Total domestic deposits to total assets | 90.3251% | 417 |
| Equity capital to assets | 8.6978% | 5,143 |
| Core capital (leverage) ratio | 8.8829% | 4,860 |
| Tier 1 risk-based capital ratio | 11.7813% | 4,776 |
| Total risk-based capital ratio | 12.8024% | 4,817 |
| Memoranda: | ||
| Average total assets | $532,670,000 | 1,339 |
| Average earning assets | $492,959,670 | 1,339 |
| Average equity | $45,218,670 | 1,671 |
| Average total loans | $367,567,330 | 1,330 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6044% | 4,408 |
| Cost of funding earning assets | 0.3308% | 3,744 |
| Net interest margin | 3.2736% | 4,105 |
| Noninterest income to average assets | 0.5149% | 2,875 |
| Noninterest expense to average assets | 2.4980% | 3,809 |
| Loan and lease loss provision to assets | 0.0728% | 2,350 |
| Net operating income to assets | 0.6582% | 3,893 |
| Return on assets (ROA) | 0.6613% | 3,915 |
| Pretax return on assets | 0.9795% | 3,457 |
| Return on Equity (ROE) | 7.8868% | 2,975 |
| Retained earnings to average equity (ytd only) | 5.8725% | 2,399 |
| Net charge-offs to loans | 0.1094% | 1,298 |
| Credit loss provision to net charge-offs | 97.0000% | 1,637 |
| Earnings coverage of net charge-offs (x) | 13.9600% | 1,753 |
| Efficiency ratio | 69.7714% | 2,932 |
| Assets per employee ($millions) | 5.4492% | 1,940 |
| Cash dividends to net income (ytd only)* | 25.5392% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 3,221 |
| Loan loss allowance to noncurrent loans | 832.0537% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 3,414 |
| Noncurrent loans to loans | 0.1425% | 4,620 |
| Net loans and leases to total assets | 68.3371% | 2,624 |
| Net loans and leases to deposits | 75.4409% | 3,259 |
| Net loans and leases to core deposits | 80.2258% | 3,275 |
| Total domestic deposits to total assets | 90.5836% | 438 |
| Equity capital to assets | 8.5363% | 5,212 |
| Core capital (leverage) ratio | 8.6225% | 5,127 |
| Tier 1 risk-based capital ratio | 11.7548% | 4,882 |
| Total risk-based capital ratio | 12.8626% | 4,864 |
| Memoranda: | ||
| Average total assets | $532,899,000 | 1,337 |
| Average earning assets | $493,399,000 | 1,334 |
| Average equity | $44,682,500 | 1,694 |
| Average total loans | $365,749,000 | 1,343 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5296% | 4,703 |
| Cost of funding earning assets | 0.3032% | 4,034 |
| Net interest margin | 3.2264% | 4,363 |
| Noninterest income to average assets | 0.7073% | 2,144 |
| Noninterest expense to average assets | 2.5033% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7964% | 3,318 |
| Return on assets (ROA) | 0.8078% | 3,378 |
| Pretax return on assets | 1.2133% | 2,609 |
| Return on Equity (ROE) | 9.5632% | 2,158 |
| Retained earnings to average equity (ytd only) | 7.9582% | 871 |
| Net charge-offs to loans | 0.2738% | 1,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.5994% | 3,144 |
| Efficiency ratio | 66.9947% | 3,441 |
| Assets per employee ($millions) | 5.5385% | 1,836 |
| Cash dividends to net income (ytd only)* | 16.7825% | 3,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 3,204 |
| Loan loss allowance to noncurrent loans | 855.6213% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 3,348 |
| Noncurrent loans to loans | 0.1385% | 4,673 |
| Net loans and leases to total assets | 67.3114% | 2,886 |
| Net loans and leases to deposits | 74.0935% | 3,504 |
| Net loans and leases to core deposits | 77.1114% | 3,646 |
| Total domestic deposits to total assets | 90.8466% | 329 |
| Equity capital to assets | 8.2358% | 5,453 |
| Core capital (leverage) ratio | 8.9295% | 4,822 |
| Tier 1 risk-based capital ratio | 11.5449% | 5,029 |
| Total risk-based capital ratio | 12.6470% | 5,018 |
| Memoranda: | ||
| Average total assets | $516,349,200 | 1,328 |
| Average earning assets | $478,890,800 | 1,325 |
| Average equity | $43,615,200 | 1,700 |
| Average total loans | $341,811,800 | 1,371 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5193% | 4,753 |
| Cost of funding earning assets | 0.3060% | 4,033 |
| Net interest margin | 3.2133% | 4,457 |
| Noninterest income to average assets | 0.6511% | 2,415 |
| Noninterest expense to average assets | 2.5389% | 3,867 |
| Loan and lease loss provision to assets | 0.0391% | 3,459 |
| Net operating income to assets | 0.7110% | 3,785 |
| Return on assets (ROA) | 0.7267% | 3,847 |
| Pretax return on assets | 1.0792% | 3,318 |
| Return on Equity (ROE) | 8.5475% | 2,737 |
| Retained earnings to average equity (ytd only) | 6.9368% | 1,662 |
| Net charge-offs to loans | 0.2287% | 1,030 |
| Credit loss provision to net charge-offs | 26.0417% | 3,254 |
| Earnings coverage of net charge-offs (x) | 7.2865% | 2,894 |
| Efficiency ratio | 69.1816% | 3,019 |
| Assets per employee ($millions) | 5.1269% | 2,223 |
| Cash dividends to net income (ytd only)* | 18.8442% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 2,227 |
| Loan loss allowance to noncurrent loans | 155.8842% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.0749% | 1,907 |
| Noncurrent loans to loans | 0.8941% | 2,469 |
| Net loans and leases to total assets | 66.8960% | 2,972 |
| Net loans and leases to deposits | 74.0983% | 3,588 |
| Net loans and leases to core deposits | 76.5340% | 3,787 |
| Total domestic deposits to total assets | 90.2802% | 379 |
| Equity capital to assets | 8.7705% | 5,342 |
| Core capital (leverage) ratio | 8.7018% | 5,150 |
| Tier 1 risk-based capital ratio | 11.7216% | 4,971 |
| Total risk-based capital ratio | 12.9720% | 4,869 |
| Memoranda: | ||
| Average total assets | $511,129,000 | 1,344 |
| Average earning assets | $474,434,250 | 1,337 |
| Average equity | $43,457,750 | 1,718 |
| Average total loans | $335,776,000 | 1,396 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4924% | 4,889 |
| Cost of funding earning assets | 0.3078% | 4,041 |
| Net interest margin | 3.1846% | 4,593 |
| Noninterest income to average assets | 0.5836% | 2,703 |
| Noninterest expense to average assets | 2.5362% | 3,920 |
| Loan and lease loss provision to assets | 0.0580% | 2,979 |
| Net operating income to assets | 0.6438% | 4,079 |
| Return on assets (ROA) | 0.6576% | 4,153 |
| Pretax return on assets | 0.9643% | 3,726 |
| Return on Equity (ROE) | 7.8175% | 3,075 |
| Retained earnings to average equity (ytd only) | 6.1879% | 2,023 |
| Net charge-offs to loans | 0.3418% | 687 |
| Credit loss provision to net charge-offs | 26.1023% | 2,886 |
| Earnings coverage of net charge-offs (x) | 4.5115% | 2,980 |
| Efficiency ratio | 70.9731% | 2,827 |
| Assets per employee ($millions) | 5.3374% | 1,946 |
| Cash dividends to net income (ytd only)* | 20.8457% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 2,201 |
| Loan loss allowance to noncurrent loans | 135.6524% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 1,687 |
| Noncurrent loans to loans | 1.0480% | 2,189 |
| Net loans and leases to total assets | 66.3925% | 3,027 |
| Net loans and leases to deposits | 73.4718% | 3,657 |
| Net loans and leases to core deposits | 77.6635% | 3,669 |
| Total domestic deposits to total assets | 90.3646% | 363 |
| Equity capital to assets | 8.7351% | 5,458 |
| Core capital (leverage) ratio | 8.5549% | 5,315 |
| Tier 1 risk-based capital ratio | 11.7786% | 4,988 |
| Total risk-based capital ratio | 13.0294% | 4,865 |
| Memoranda: | ||
| Average total assets | $510,607,330 | 1,356 |
| Average earning assets | $473,711,000 | 1,342 |
| Average equity | $42,955,000 | 1,736 |
| Average total loans | $331,761,330 | 1,407 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4507% | 5,002 |
| Cost of funding earning assets | 0.3086% | 4,076 |
| Net interest margin | 3.1420% | 4,748 |
| Noninterest income to average assets | 0.4778% | 3,285 |
| Noninterest expense to average assets | 2.4927% | 4,091 |
| Loan and lease loss provision to assets | 0.1155% | 1,815 |
| Net operating income to assets | 0.5423% | 4,454 |
| Return on assets (ROA) | 0.5488% | 4,532 |
| Pretax return on assets | 0.7877% | 4,235 |
| Return on Equity (ROE) | 6.6499% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.9945% | 2,945 |
| Net charge-offs to loans | 0.5935% | 371 |
| Credit loss provision to net charge-offs | 30.5155% | 2,220 |
| Earnings coverage of net charge-offs (x) | 2.3608% | 2,693 |
| Efficiency ratio | 72.8677% | 2,664 |
| Assets per employee ($millions) | 5.4047% | 1,919 |
| Cash dividends to net income (ytd only)* | 24.8933% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 2,098 |
| Loan loss allowance to noncurrent loans | 371.4823% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8773% | 2,494 |
| Noncurrent loans to loans | 0.3967% | 4,014 |
| Net loans and leases to total assets | 64.9776% | 3,112 |
| Net loans and leases to deposits | 71.6022% | 3,691 |
| Net loans and leases to core deposits | 75.6135% | 3,717 |
| Total domestic deposits to total assets | 90.7480% | 347 |
| Equity capital to assets | 8.4460% | 5,602 |
| Core capital (leverage) ratio | 8.2633% | 5,600 |
| Tier 1 risk-based capital ratio | 12.4427% | 4,624 |
| Total risk-based capital ratio | 13.6952% | 4,524 |
| Memoranda: | ||
| Average total assets | $512,383,000 | 1,345 |
| Average earning assets | $474,343,500 | 1,337 |
| Average equity | $42,286,500 | 1,747 |
| Average total loans | $326,891,000 | 1,415 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3836% | 5,197 |
| Cost of funding earning assets | 0.3222% | 4,002 |
| Net interest margin | 3.0614% | 5,003 |
| Noninterest income to average assets | 0.7046% | 2,178 |
| Noninterest expense to average assets | 2.5164% | 4,176 |
| Loan and lease loss provision to assets | 0.1598% | 1,450 |
| Net operating income to assets | 0.5888% | 4,333 |
| Return on assets (ROA) | 0.6110% | 4,312 |
| Pretax return on assets | 0.8864% | 3,900 |
| Return on Equity (ROE) | 7.4230% | 3,294 |
| Retained earnings to average equity (ytd only) | 5.8158% | 1,885 |
| Net charge-offs to loans | 0.3688% | 786 |
| Credit loss provision to net charge-offs | 69.4690% | 3,132 |
| Earnings coverage of net charge-offs (x) | 4.4088% | 3,564 |
| Efficiency ratio | 70.5408% | 3,138 |
| Assets per employee ($millions) | 5.6166% | 1,688 |
| Cash dividends to net income (ytd only)* | 21.6522% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 1,457 |
| Loan loss allowance to noncurrent loans | 669.2893% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 2,600 |
| Noncurrent loans to loans | 0.2472% | 4,547 |
| Net loans and leases to total assets | 60.6625% | 3,744 |
| Net loans and leases to deposits | 66.6480% | 4,254 |
| Net loans and leases to core deposits | 68.5675% | 4,406 |
| Total domestic deposits to total assets | 91.0192% | 274 |
| Equity capital to assets | 8.0631% | 5,829 |
| Core capital (leverage) ratio | 8.6317% | 5,301 |
| Tier 1 risk-based capital ratio | 12.8860% | 4,396 |
| Total risk-based capital ratio | 14.1404% | 4,286 |
| Memoranda: | ||
| Average total assets | $491,337,000 | 1,372 |
| Average earning assets | $453,511,800 | 1,369 |
| Average equity | $40,441,600 | 1,779 |
| Average total loans | $306,367,600 | 1,448 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4083% | 5,186 |
| Cost of funding earning assets | 0.3325% | 3,948 |
| Net interest margin | 3.0758% | 5,019 |
| Noninterest income to average assets | 0.7343% | 2,090 |
| Noninterest expense to average assets | 2.5300% | 4,105 |
| Loan and lease loss provision to assets | 0.2378% | 748 |
| Net operating income to assets | 0.5576% | 4,570 |
| Return on assets (ROA) | 0.5858% | 4,545 |
| Pretax return on assets | 0.8454% | 4,192 |
| Return on Equity (ROE) | 7.0791% | 3,581 |
| Retained earnings to average equity (ytd only) | 5.4580% | 2,598 |
| Net charge-offs to loans | 0.4493% | 566 |
| Credit loss provision to net charge-offs | 84.6380% | 2,540 |
| Earnings coverage of net charge-offs (x) | 3.7094% | 3,463 |
| Efficiency ratio | 70.0862% | 3,195 |
| Assets per employee ($millions) | 5.0786% | 2,202 |
| Cash dividends to net income (ytd only)* | 22.9001% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7518% | 1,360 |
| Loan loss allowance to noncurrent loans | 717.7398% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.9986% | 2,363 |
| Noncurrent loans to loans | 0.2441% | 4,701 |
| Net loans and leases to total assets | 63.4942% | 3,380 |
| Net loans and leases to deposits | 69.9766% | 3,991 |
| Net loans and leases to core deposits | 72.2297% | 4,171 |
| Total domestic deposits to total assets | 90.7364% | 331 |
| Equity capital to assets | 8.5336% | 5,693 |
| Core capital (leverage) ratio | 8.4036% | 5,624 |
| Tier 1 risk-based capital ratio | 12.9249% | 4,472 |
| Total risk-based capital ratio | 14.1806% | 4,391 |
| Memoranda: | ||
| Average total assets | $484,989,750 | 1,392 |
| Average earning assets | $447,481,500 | 1,390 |
| Average equity | $40,136,000 | 1,812 |
| Average total loans | $303,276,250 | 1,462 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3812% | 5,267 |
| Cost of funding earning assets | 0.3341% | 3,995 |
| Net interest margin | 3.0471% | 5,098 |
| Noninterest income to average assets | 0.7558% | 1,969 |
| Noninterest expense to average assets | 2.4696% | 4,332 |
| Loan and lease loss provision to assets | 0.2388% | 762 |
| Net operating income to assets | 0.5899% | 4,396 |
| Return on assets (ROA) | 0.6257% | 4,345 |
| Pretax return on assets | 0.9114% | 3,912 |
| Return on Equity (ROE) | 7.6400% | 3,244 |
| Retained earnings to average equity (ytd only) | 6.0064% | 2,243 |
| Net charge-offs to loans | 0.1631% | 1,491 |
| Credit loss provision to net charge-offs | 236.7347% | 1,086 |
| Earnings coverage of net charge-offs (x) | 10.8898% | 2,336 |
| Efficiency ratio | 68.4781% | 3,597 |
| Assets per employee ($millions) | 5.2205% | 2,021 |
| Cash dividends to net income (ytd only)* | 21.3816% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9303% | 1,109 |
| Loan loss allowance to noncurrent loans | 264.8577% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 1.2669% | 1,983 |
| Noncurrent loans to loans | 0.7288% | 3,295 |
| Net loans and leases to total assets | 62.3064% | 3,511 |
| Net loans and leases to deposits | 68.5905% | 4,074 |
| Net loans and leases to core deposits | 72.8282% | 4,054 |
| Total domestic deposits to total assets | 90.8382% | 344 |
| Equity capital to assets | 8.2582% | 5,850 |
| Core capital (leverage) ratio | 8.4134% | 5,620 |
| Tier 1 risk-based capital ratio | 13.3436% | 4,316 |
| Total risk-based capital ratio | 14.6021% | 4,239 |
| Memoranda: | ||
| Average total assets | $485,830,000 | 1,399 |
| Average earning assets | $448,355,330 | 1,399 |
| Average equity | $39,790,670 | 1,831 |
| Average total loans | $300,434,330 | 1,475 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3358% | 5,359 |
| Cost of funding earning assets | 0.3363% | 4,022 |
| Net interest margin | 2.9995% | 5,217 |
| Noninterest income to average assets | 0.7070% | 2,138 |
| Noninterest expense to average assets | 2.4255% | 4,532 |
| Loan and lease loss provision to assets | 0.2436% | 685 |
| Net operating income to assets | 0.5537% | 4,465 |
| Return on assets (ROA) | 0.6247% | 4,275 |
| Pretax return on assets | 0.9087% | 3,855 |
| Return on Equity (ROE) | 7.6591% | 3,134 |
| Retained earnings to average equity (ytd only) | 6.0244% | 2,493 |
| Net charge-offs to loans | -0.1066% | 5,878 |
| Credit loss provision to net charge-offs | -374.6835% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0431% | 3,649 |
| Assets per employee ($millions) | 5.4156% | 1,865 |
| Cash dividends to net income (ytd only)* | 21.3439% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0013% | 1,077 |
| Loan loss allowance to noncurrent loans | 299.3010% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 1.2630% | 2,115 |
| Noncurrent loans to loans | 0.6687% | 3,609 |
| Net loans and leases to total assets | 60.2292% | 3,620 |
| Net loans and leases to deposits | 66.2120% | 4,134 |
| Net loans and leases to core deposits | 69.9805% | 4,160 |
| Total domestic deposits to total assets | 90.9641% | 383 |
| Equity capital to assets | 8.2323% | 5,915 |
| Core capital (leverage) ratio | 8.3162% | 5,710 |
| Tier 1 risk-based capital ratio | 12.7728% | 4,745 |
| Total risk-based capital ratio | 14.0306% | 4,657 |
| Memoranda: | ||
| Average total assets | $485,993,000 | 1,403 |
| Average earning assets | $448,471,500 | 1,400 |
| Average equity | $39,639,000 | 1,848 |
| Average total loans | $296,424,500 | 1,494 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4388% | 5,451 |
| Cost of funding earning assets | 0.3640% | 4,098 |
| Net interest margin | 3.0748% | 5,266 |
| Noninterest income to average assets | 0.6035% | 2,836 |
| Noninterest expense to average assets | 2.5540% | 4,382 |
| Loan and lease loss provision to assets | 0.2588% | 866 |
| Net operating income to assets | 0.4543% | 4,997 |
| Return on assets (ROA) | 0.4553% | 5,090 |
| Pretax return on assets | 0.6214% | 4,867 |
| Return on Equity (ROE) | 5.6667% | 4,324 |
| Retained earnings to average equity (ytd only) | 3.9407% | 3,405 |
| Net charge-offs to loans | 0.2429% | 1,753 |
| Credit loss provision to net charge-offs | 178.9086% | 1,356 |
| Earnings coverage of net charge-offs (x) | 6.0767% | 3,278 |
| Efficiency ratio | 73.6018% | 2,905 |
| Assets per employee ($millions) | 5.5067% | 1,765 |
| Cash dividends to net income (ytd only)* | 30.4592% | 3,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 1,283 |
| Loan loss allowance to noncurrent loans | 290.2376% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 2,280 |
| Noncurrent loans to loans | 0.6601% | 3,702 |
| Net loans and leases to total assets | 59.3657% | 3,866 |
| Net loans and leases to deposits | 65.2154% | 4,413 |
| Net loans and leases to core deposits | 67.4591% | 4,560 |
| Total domestic deposits to total assets | 91.0303% | 352 |
| Equity capital to assets | 8.0799% | 6,024 |
| Core capital (leverage) ratio | 8.3489% | 5,727 |
| Tier 1 risk-based capital ratio | 12.0468% | 5,328 |
| Total risk-based capital ratio | 13.3028% | 5,232 |
| Memoranda: | ||
| Average total assets | $468,753,000 | 1,425 |
| Average earning assets | $431,340,000 | 1,421 |
| Average equity | $37,658,600 | 1,868 |
| Average total loans | $279,128,600 | 1,523 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4250% | 5,546 |
| Cost of funding earning assets | 0.3708% | 4,121 |
| Net interest margin | 3.0542% | 5,375 |
| Noninterest income to average assets | 0.6076% | 2,819 |
| Noninterest expense to average assets | 2.5573% | 4,330 |
| Loan and lease loss provision to assets | 0.2949% | 669 |
| Net operating income to assets | 0.4214% | 5,171 |
| Return on assets (ROA) | 0.4237% | 5,242 |
| Pretax return on assets | 0.5700% | 5,127 |
| Return on Equity (ROE) | 5.2817% | 4,588 |
| Retained earnings to average equity (ytd only) | 5.2817% | 2,895 |
| Net charge-offs to loans | 0.3092% | 1,285 |
| Credit loss provision to net charge-offs | 160.8764% | 1,507 |
| Earnings coverage of net charge-offs (x) | 4.7011% | 3,395 |
| Efficiency ratio | 73.9911% | 2,823 |
| Assets per employee ($millions) | 5.1674% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 1,410 |
| Loan loss allowance to noncurrent loans | 220.9443% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 1.3426% | 2,296 |
| Noncurrent loans to loans | 0.8690% | 3,393 |
| Net loans and leases to total assets | 60.1377% | 3,763 |
| Net loans and leases to deposits | 66.1464% | 4,312 |
| Net loans and leases to core deposits | 68.6371% | 4,450 |
| Total domestic deposits to total assets | 90.9161% | 386 |
| Equity capital to assets | 8.3186% | 5,929 |
| Core capital (leverage) ratio | 8.3018% | 5,835 |
| Tier 1 risk-based capital ratio | 12.1397% | 5,407 |
| Total risk-based capital ratio | 13.3951% | 5,320 |
| Memoranda: | ||
| Average total assets | $464,794,750 | 1,451 |
| Average earning assets | $427,859,250 | 1,446 |
| Average equity | $37,284,750 | 1,891 |
| Average total loans | $275,586,500 | 1,553 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3788% | 5,665 |
| Cost of funding earning assets | 0.3723% | 4,181 |
| Net interest margin | 3.0065% | 5,506 |
| Noninterest income to average assets | 0.5819% | 2,917 |
| Noninterest expense to average assets | 2.5466% | 4,433 |
| Loan and lease loss provision to assets | 0.3017% | 652 |
| Net operating income to assets | 0.3845% | 5,281 |
| Return on assets (ROA) | 0.3809% | 5,358 |
| Pretax return on assets | 0.4988% | 5,278 |
| Return on Equity (ROE) | 4.8075% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.8075% | 3,084 |
| Net charge-offs to loans | 0.3818% | 1,055 |
| Credit loss provision to net charge-offs | 134.8077% | 1,568 |
| Earnings coverage of net charge-offs (x) | 3.5981% | 3,263 |
| Efficiency ratio | 75.1541% | 2,785 |
| Assets per employee ($millions) | 5.2446% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9083% | 1,568 |
| Loan loss allowance to noncurrent loans | 96.9446% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.8586% | 1,754 |
| Noncurrent loans to loans | 1.9685% | 1,719 |
| Net loans and leases to total assets | 58.6608% | 3,903 |
| Net loans and leases to deposits | 64.4810% | 4,442 |
| Net loans and leases to core deposits | 68.9653% | 4,364 |
| Total domestic deposits to total assets | 90.9738% | 423 |
| Equity capital to assets | 8.2557% | 5,984 |
| Core capital (leverage) ratio | 8.3073% | 5,841 |
| Tier 1 risk-based capital ratio | 12.2991% | 5,361 |
| Total risk-based capital ratio | 13.5171% | 5,297 |
| Memoranda: | ||
| Average total assets | $464,705,000 | 1,448 |
| Average earning assets | $428,139,000 | 1,444 |
| Average equity | $36,817,330 | 1,906 |
| Average total loans | $272,397,330 | 1,570 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3052% | 5,834 |
| Cost of funding earning assets | 0.3743% | 4,261 |
| Net interest margin | 2.9309% | 5,689 |
| Noninterest income to average assets | 0.5636% | 2,961 |
| Noninterest expense to average assets | 2.5675% | 4,386 |
| Loan and lease loss provision to assets | 0.2959% | 657 |
| Net operating income to assets | 0.3279% | 5,401 |
| Return on assets (ROA) | 0.3183% | 5,478 |
| Pretax return on assets | 0.3955% | 5,469 |
| Return on Equity (ROE) | 4.1023% | 4,986 |
| Retained earnings to average equity (ytd only) | 4.1023% | 3,661 |
| Net charge-offs to loans | 0.1123% | 2,057 |
| Credit loss provision to net charge-offs | 453.9474% | 593 |
| Earnings coverage of net charge-offs (x) | 10.7895% | 1,832 |
| Efficiency ratio | 77.6554% | 2,526 |
| Assets per employee ($millions) | 5.3130% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9915% | 1,531 |
| Loan loss allowance to noncurrent loans | 95.3008% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.8862% | 1,826 |
| Noncurrent loans to loans | 2.0897% | 1,770 |
| Net loans and leases to total assets | 56.3571% | 4,101 |
| Net loans and leases to deposits | 61.6893% | 4,586 |
| Net loans and leases to core deposits | 65.6607% | 4,527 |
| Total domestic deposits to total assets | 91.3563% | 433 |
| Equity capital to assets | 7.8797% | 6,133 |
| Core capital (leverage) ratio | 8.0726% | 6,067 |
| Tier 1 risk-based capital ratio | 12.2920% | 5,446 |
| Total risk-based capital ratio | 13.5480% | 5,378 |
| Memoranda: | ||
| Average total assets | $466,296,000 | 1,443 |
| Average earning assets | $430,720,500 | 1,442 |
| Average equity | $36,175,000 | 1,927 |
| Average total loans | $270,596,000 | 1,576 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4793% | 5,684 |
| Cost of funding earning assets | 0.4233% | 4,396 |
| Net interest margin | 3.0560% | 5,442 |
| Noninterest income to average assets | 0.8289% | 1,942 |
| Noninterest expense to average assets | 2.6672% | 4,219 |
| Loan and lease loss provision to assets | 0.4501% | 641 |
| Net operating income to assets | 0.4118% | 5,109 |
| Return on assets (ROA) | 0.4407% | 5,114 |
| Pretax return on assets | 0.5682% | 4,975 |
| Return on Equity (ROE) | 5.5186% | 4,382 |
| Retained earnings to average equity (ytd only) | 3.7446% | 3,555 |
| Net charge-offs to loans | 1.1932% | 446 |
| Credit loss provision to net charge-offs | 66.3347% | 3,395 |
| Earnings coverage of net charge-offs (x) | 1.4462% | 4,572 |
| Efficiency ratio | 72.3417% | 3,409 |
| Assets per employee ($millions) | 5.2847% | 1,868 |
| Cash dividends to net income (ytd only)* | 32.1464% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8671% | 1,863 |
| Loan loss allowance to noncurrent loans | 148.5973% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 1.3196% | 2,778 |
| Noncurrent loans to loans | 1.2565% | 3,027 |
| Net loans and leases to total assets | 57.4691% | 4,127 |
| Net loans and leases to deposits | 62.7671% | 4,639 |
| Net loans and leases to core deposits | 64.9744% | 4,778 |
| Total domestic deposits to total assets | 91.5592% | 385 |
| Equity capital to assets | 7.6355% | 6,218 |
| Core capital (leverage) ratio | 8.2953% | 5,881 |
| Tier 1 risk-based capital ratio | 12.0367% | 5,595 |
| Total risk-based capital ratio | 13.2914% | 5,529 |
| Memoranda: | ||
| Average total assets | $458,825,600 | 1,442 |
| Average earning assets | $423,333,800 | 1,439 |
| Average equity | $36,639,400 | 1,888 |
| Average total loans | $260,905,200 | 1,587 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4849% | 5,723 |
| Cost of funding earning assets | 0.4371% | 4,420 |
| Net interest margin | 3.0477% | 5,472 |
| Noninterest income to average assets | 0.8097% | 2,100 |
| Noninterest expense to average assets | 2.7064% | 3,999 |
| Loan and lease loss provision to assets | 0.3887% | 790 |
| Net operating income to assets | 0.4139% | 5,190 |
| Return on assets (ROA) | 0.4412% | 5,210 |
| Pretax return on assets | 0.5651% | 5,152 |
| Return on Equity (ROE) | 5.4636% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.4636% | 2,743 |
| Net charge-offs to loans | 1.5227% | 300 |
| Credit loss provision to net charge-offs | 45.2324% | 3,611 |
| Earnings coverage of net charge-offs (x) | 1.0692% | 4,488 |
| Efficiency ratio | 73.8840% | 3,089 |
| Assets per employee ($millions) | 5.0305% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7572% | 2,430 |
| Loan loss allowance to noncurrent loans | 125.0692% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 1.3160% | 3,014 |
| Noncurrent loans to loans | 1.4050% | 3,059 |
| Net loans and leases to total assets | 55.8160% | 4,347 |
| Net loans and leases to deposits | 61.1792% | 4,851 |
| Net loans and leases to core deposits | 63.4041% | 4,959 |
| Total domestic deposits to total assets | 91.2336% | 446 |
| Equity capital to assets | 7.9982% | 6,157 |
| Core capital (leverage) ratio | 8.1344% | 6,126 |
| Tier 1 risk-based capital ratio | 12.5846% | 5,404 |
| Total risk-based capital ratio | 13.8380% | 5,348 |
| Memoranda: | ||
| Average total assets | $457,269,500 | 1,457 |
| Average earning assets | $422,425,250 | 1,450 |
| Average equity | $36,922,000 | 1,885 |
| Average total loans | $258,045,250 | 1,607 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4989% | 5,699 |
| Cost of funding earning assets | 0.4446% | 4,488 |
| Net interest margin | 3.0543% | 5,416 |
| Noninterest income to average assets | 0.8078% | 2,153 |
| Noninterest expense to average assets | 2.7046% | 4,013 |
| Loan and lease loss provision to assets | 0.3379% | 1,006 |
| Net operating income to assets | 0.4506% | 5,011 |
| Return on assets (ROA) | 0.4721% | 5,097 |
| Pretax return on assets | 0.6142% | 4,974 |
| Return on Equity (ROE) | 5.8290% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.8290% | 2,534 |
| Net charge-offs to loans | 0.6217% | 1,065 |
| Credit loss provision to net charge-offs | 96.5131% | 2,308 |
| Earnings coverage of net charge-offs (x) | 2.6401% | 3,641 |
| Efficiency ratio | 73.7626% | 3,173 |
| Assets per employee ($millions) | 5.1298% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3663% | 1,142 |
| Loan loss allowance to noncurrent loans | 172.3602% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2357% | 3,282 |
| Noncurrent loans to loans | 1.3729% | 3,256 |
| Net loans and leases to total assets | 55.8006% | 4,328 |
| Net loans and leases to deposits | 61.4888% | 4,803 |
| Net loans and leases to core deposits | 65.3021% | 4,765 |
| Total domestic deposits to total assets | 90.7492% | 647 |
| Equity capital to assets | 8.0092% | 6,192 |
| Core capital (leverage) ratio | 8.2608% | 5,941 |
| Tier 1 risk-based capital ratio | 12.4394% | 5,541 |
| Total risk-based capital ratio | 13.6991% | 5,480 |
| Memoranda: | ||
| Average total assets | $458,779,000 | 1,446 |
| Average earning assets | $423,728,000 | 1,445 |
| Average equity | $37,159,000 | 1,880 |
| Average total loans | $258,319,670 | 1,609 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4570% | 5,817 |
| Cost of funding earning assets | 0.4568% | 4,517 |
| Net interest margin | 3.0002% | 5,570 |
| Noninterest income to average assets | 0.8001% | 2,121 |
| Noninterest expense to average assets | 2.6658% | 4,196 |
| Loan and lease loss provision to assets | 0.3209% | 1,049 |
| Net operating income to assets | 0.4469% | 4,925 |
| Return on assets (ROA) | 0.4818% | 4,927 |
| Pretax return on assets | 0.6314% | 4,833 |
| Return on Equity (ROE) | 5.9159% | 4,093 |
| Retained earnings to average equity (ytd only) | 5.9159% | 2,725 |
| Net charge-offs to loans | 0.5834% | 1,044 |
| Credit loss provision to net charge-offs | 98.4085% | 1,897 |
| Earnings coverage of net charge-offs (x) | 2.7798% | 2,939 |
| Efficiency ratio | 73.8499% | 3,292 |
| Assets per employee ($millions) | 5.3145% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3406% | 1,346 |
| Loan loss allowance to noncurrent loans | 108.3849% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.6853% | 2,763 |
| Noncurrent loans to loans | 2.1595% | 2,438 |
| Net loans and leases to total assets | 55.2901% | 4,202 |
| Net loans and leases to deposits | 60.9232% | 4,691 |
| Net loans and leases to core deposits | 64.9628% | 4,655 |
| Total domestic deposits to total assets | 90.7538% | 641 |
| Equity capital to assets | 8.1289% | 6,313 |
| Core capital (leverage) ratio | 8.0664% | 6,083 |
| Tier 1 risk-based capital ratio | 12.2009% | 5,788 |
| Total risk-based capital ratio | 13.4600% | 5,746 |
| Memoranda: | ||
| Average total assets | $462,458,500 | 1,449 |
| Average earning assets | $427,302,000 | 1,438 |
| Average equity | $37,661,000 | 1,881 |
| Average total loans | $258,479,500 | 1,621 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 5,473 |
| Cost of funding earning assets | 0.5547% | 4,772 |
| Net interest margin | 3.3834% | 4,946 |
| Noninterest income to average assets | 0.8835% | 1,922 |
| Noninterest expense to average assets | 2.7499% | 4,213 |
| Loan and lease loss provision to assets | 0.5250% | 1,108 |
| Net operating income to assets | 0.5467% | 4,494 |
| Return on assets (ROA) | 0.5743% | 4,619 |
| Pretax return on assets | 0.7592% | 4,451 |
| Return on Equity (ROE) | 6.6473% | 3,839 |
| Retained earnings to average equity (ytd only) | 4.8995% | 2,763 |
| Net charge-offs to loans | 0.8852% | 1,287 |
| Credit loss provision to net charge-offs | 102.3551% | 2,939 |
| Earnings coverage of net charge-offs (x) | 2.4330% | 4,194 |
| Efficiency ratio | 68.0400% | 4,137 |
| Assets per employee ($millions) | 5.2563% | 1,946 |
| Cash dividends to net income (ytd only)* | 26.2945% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4033% | 1,225 |
| Loan loss allowance to noncurrent loans | 163.9840% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 1.4197% | 3,273 |
| Noncurrent loans to loans | 1.4656% | 3,398 |
| Net loans and leases to total assets | 53.8441% | 4,636 |
| Net loans and leases to deposits | 59.3774% | 5,088 |
| Net loans and leases to core deposits | 61.6387% | 5,195 |
| Total domestic deposits to total assets | 90.6811% | 618 |
| Equity capital to assets | 8.1584% | 6,314 |
| Core capital (leverage) ratio | 8.4008% | 5,757 |
| Tier 1 risk-based capital ratio | 12.3971% | 5,543 |
| Total risk-based capital ratio | 13.6125% | 5,514 |
| Memoranda: | ||
| Average total assets | $430,449,200 | 1,533 |
| Average earning assets | $396,226,800 | 1,521 |
| Average equity | $37,187,800 | 1,864 |
| Average total loans | $249,448,400 | 1,648 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 5,382 |
| Cost of funding earning assets | 0.5824% | 4,818 |
| Net interest margin | 3.4609% | 4,804 |
| Noninterest income to average assets | 0.8614% | 1,978 |
| Noninterest expense to average assets | 2.7744% | 4,076 |
| Loan and lease loss provision to assets | 0.4984% | 1,229 |
| Net operating income to assets | 0.5881% | 4,446 |
| Return on assets (ROA) | 0.6167% | 4,572 |
| Pretax return on assets | 0.8172% | 4,426 |
| Return on Equity (ROE) | 7.0317% | 3,793 |
| Retained earnings to average equity (ytd only) | 7.0317% | 2,110 |
| Net charge-offs to loans | 0.8338% | 1,315 |
| Credit loss provision to net charge-offs | 101.8053% | 2,894 |
| Earnings coverage of net charge-offs (x) | 2.6093% | 3,998 |
| Efficiency ratio | 67.7261% | 4,121 |
| Assets per employee ($millions) | 5.0080% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5246% | 1,182 |
| Loan loss allowance to noncurrent loans | 94.4341% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 2.1422% | 2,502 |
| Noncurrent loans to loans | 2.6734% | 2,118 |
| Net loans and leases to total assets | 55.4005% | 4,538 |
| Net loans and leases to deposits | 61.6413% | 5,006 |
| Net loans and leases to core deposits | 63.9804% | 5,146 |
| Total domestic deposits to total assets | 89.8756% | 911 |
| Equity capital to assets | 8.9635% | 5,860 |
| Core capital (leverage) ratio | 8.4213% | 5,874 |
| Tier 1 risk-based capital ratio | 13.1720% | 5,112 |
| Total risk-based capital ratio | 14.4341% | 5,071 |
| Memoranda: | ||
| Average total assets | $422,423,000 | 1,573 |
| Average earning assets | $389,405,250 | 1,560 |
| Average equity | $37,050,500 | 1,895 |
| Average total loans | $248,012,750 | 1,671 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 5,429 |
| Cost of funding earning assets | 0.5986% | 4,919 |
| Net interest margin | 3.4686% | 4,805 |
| Noninterest income to average assets | 0.8782% | 1,866 |
| Noninterest expense to average assets | 2.8096% | 3,982 |
| Loan and lease loss provision to assets | 0.4837% | 1,312 |
| Net operating income to assets | 0.5952% | 4,387 |
| Return on assets (ROA) | 0.6223% | 4,515 |
| Pretax return on assets | 0.8255% | 4,381 |
| Return on Equity (ROE) | 7.1479% | 3,703 |
| Retained earnings to average equity (ytd only) | 7.1479% | 2,018 |
| Net charge-offs to loans | 0.5975% | 1,817 |
| Credit loss provision to net charge-offs | 136.4123% | 2,013 |
| Earnings coverage of net charge-offs (x) | 3.5904% | 3,329 |
| Efficiency ratio | 68.0735% | 4,107 |
| Assets per employee ($millions) | 5.1901% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5434% | 1,224 |
| Loan loss allowance to noncurrent loans | 100.8094% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 2.3814% | 2,345 |
| Noncurrent loans to loans | 2.5230% | 2,393 |
| Net loans and leases to total assets | 57.1888% | 4,298 |
| Net loans and leases to deposits | 63.8542% | 4,781 |
| Net loans and leases to core deposits | 68.3076% | 4,751 |
| Total domestic deposits to total assets | 89.5615% | 1,190 |
| Equity capital to assets | 8.7482% | 5,972 |
| Core capital (leverage) ratio | 8.4856% | 5,669 |
| Tier 1 risk-based capital ratio | 12.6297% | 5,472 |
| Total risk-based capital ratio | 13.8923% | 5,444 |
| Memoranda: | ||
| Average total assets | $421,336,000 | 1,576 |
| Average earning assets | $389,258,330 | 1,560 |
| Average equity | $36,682,000 | 1,905 |
| Average total loans | $250,037,330 | 1,662 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 5,225 |
| Cost of funding earning assets | 0.6196% | 4,966 |
| Net interest margin | 3.5473% | 4,498 |
| Noninterest income to average assets | 1.0668% | 1,268 |
| Noninterest expense to average assets | 2.8453% | 3,845 |
| Loan and lease loss provision to assets | 0.5391% | 1,098 |
| Net operating income to assets | 0.7040% | 3,866 |
| Return on assets (ROA) | 0.7166% | 4,023 |
| Pretax return on assets | 0.9771% | 3,761 |
| Return on Equity (ROE) | 8.2510% | 3,170 |
| Retained earnings to average equity (ytd only) | 8.2510% | 1,881 |
| Net charge-offs to loans | 0.8905% | 1,155 |
| Credit loss provision to net charge-offs | 101.4363% | 2,267 |
| Earnings coverage of net charge-offs (x) | 2.8205% | 3,054 |
| Efficiency ratio | 64.7924% | 4,780 |
| Assets per employee ($millions) | 5.1687% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4765% | 1,393 |
| Loan loss allowance to noncurrent loans | 164.9147% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 1.8441% | 3,123 |
| Noncurrent loans to loans | 1.5017% | 3,870 |
| Net loans and leases to total assets | 56.5556% | 4,283 |
| Net loans and leases to deposits | 63.0899% | 4,757 |
| Net loans and leases to core deposits | 67.8864% | 4,692 |
| Total domestic deposits to total assets | 89.6428% | 1,274 |
| Equity capital to assets | 8.6940% | 5,876 |
| Core capital (leverage) ratio | 8.3098% | 5,859 |
| Tier 1 risk-based capital ratio | 12.9273% | 5,261 |
| Total risk-based capital ratio | 14.1850% | 5,234 |
| Memoranda: | ||
| Average total assets | $419,210,500 | 1,589 |
| Average earning assets | $387,339,000 | 1,567 |
| Average equity | $36,407,500 | 1,911 |
| Average total loans | $250,186,000 | 1,661 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 5,707 |
| Cost of funding earning assets | 0.7588% | 5,145 |
| Net interest margin | 3.5593% | 4,898 |
| Noninterest income to average assets | 0.7576% | 2,295 |
| Noninterest expense to average assets | 2.9497% | 3,770 |
| Loan and lease loss provision to assets | 0.7983% | 1,238 |
| Net operating income to assets | 0.2998% | 5,252 |
| Return on assets (ROA) | 0.3653% | 5,177 |
| Pretax return on assets | 0.3248% | 5,496 |
| Return on Equity (ROE) | 4.1679% | 4,767 |
| Retained earnings to average equity (ytd only) | 2.4562% | 4,472 |
| Net charge-offs to loans | 0.9213% | 1,882 |
| Credit loss provision to net charge-offs | 138.4649% | 2,135 |
| Earnings coverage of net charge-offs (x) | 1.8343% | 4,400 |
| Efficiency ratio | 72.8101% | 3,426 |
| Assets per employee ($millions) | 5.1184% | 2,035 |
| Cash dividends to net income (ytd only)* | 41.0678% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3882% | 1,477 |
| Loan loss allowance to noncurrent loans | 169.0768% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 2.3044% | 2,618 |
| Noncurrent loans to loans | 1.4125% | 4,039 |
| Net loans and leases to total assets | 59.9399% | 4,003 |
| Net loans and leases to deposits | 66.9410% | 4,593 |
| Net loans and leases to core deposits | 70.0478% | 4,772 |
| Total domestic deposits to total assets | 89.5415% | 1,241 |
| Equity capital to assets | 8.6753% | 5,925 |
| Core capital (leverage) ratio | 8.4458% | 5,645 |
| Tier 1 risk-based capital ratio | 12.0572% | 5,797 |
| Total risk-based capital ratio | 13.3196% | 5,770 |
| Memoranda: | ||
| Average total assets | $399,966,600 | 1,622 |
| Average earning assets | $365,179,400 | 1,617 |
| Average equity | $35,053,800 | 1,918 |
| Average total loans | $250,296,000 | 1,672 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 5,897 |
| Cost of funding earning assets | 0.7914% | 5,203 |
| Net interest margin | 3.5238% | 5,088 |
| Noninterest income to average assets | 0.7671% | 2,215 |
| Noninterest expense to average assets | 2.9841% | 3,613 |
| Loan and lease loss provision to assets | 0.5945% | 1,658 |
| Net operating income to assets | 0.3490% | 5,207 |
| Return on assets (ROA) | 0.4104% | 5,142 |
| Pretax return on assets | 0.4723% | 5,252 |
| Return on Equity (ROE) | 4.6708% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.6708% | 3,403 |
| Net charge-offs to loans | 1.1074% | 1,434 |
| Credit loss provision to net charge-offs | 85.3623% | 3,953 |
| Earnings coverage of net charge-offs (x) | 1.4304% | 4,558 |
| Efficiency ratio | 74.1611% | 3,148 |
| Assets per employee ($millions) | 4.7380% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 2,372 |
| Loan loss allowance to noncurrent loans | 145.8259% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 2.5213% | 2,563 |
| Noncurrent loans to loans | 1.3608% | 4,265 |
| Net loans and leases to total assets | 59.9884% | 4,127 |
| Net loans and leases to deposits | 67.2876% | 4,725 |
| Net loans and leases to core deposits | 70.4225% | 4,898 |
| Total domestic deposits to total assets | 89.1522% | 1,331 |
| Equity capital to assets | 9.0322% | 5,715 |
| Core capital (leverage) ratio | 8.6309% | 5,503 |
| Tier 1 risk-based capital ratio | 12.7059% | 5,325 |
| Total risk-based capital ratio | 13.9628% | 5,297 |
| Memoranda: | ||
| Average total assets | $396,310,750 | 1,648 |
| Average earning assets | $361,381,750 | 1,642 |
| Average equity | $34,825,500 | 1,934 |
| Average total loans | $249,223,750 | 1,693 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3396% | 5,875 |
| Cost of funding earning assets | 0.8145% | 5,278 |
| Net interest margin | 3.5251% | 5,041 |
| Noninterest income to average assets | 0.6997% | 2,554 |
| Noninterest expense to average assets | 2.9962% | 3,657 |
| Loan and lease loss provision to assets | 0.5602% | 1,726 |
| Net operating income to assets | 0.3139% | 5,313 |
| Return on assets (ROA) | 0.3856% | 5,157 |
| Pretax return on assets | 0.4293% | 5,297 |
| Return on Equity (ROE) | 4.4303% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.4303% | 3,372 |
| Net charge-offs to loans | 1.1953% | 1,308 |
| Credit loss provision to net charge-offs | 73.8462% | 3,952 |
| Earnings coverage of net charge-offs (x) | 1.1993% | 4,384 |
| Efficiency ratio | 75.8769% | 3,037 |
| Assets per employee ($millions) | 4.6910% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9329% | 2,564 |
| Loan loss allowance to noncurrent loans | 72.3821% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 3.3283% | 1,992 |
| Noncurrent loans to loans | 2.6705% | 2,727 |
| Net loans and leases to total assets | 61.8535% | 3,915 |
| Net loans and leases to deposits | 69.3153% | 4,522 |
| Net loans and leases to core deposits | 74.9173% | 4,450 |
| Total domestic deposits to total assets | 89.2350% | 1,394 |
| Equity capital to assets | 8.9861% | 5,596 |
| Core capital (leverage) ratio | 8.7108% | 5,212 |
| Tier 1 risk-based capital ratio | 12.5495% | 5,296 |
| Total risk-based capital ratio | 13.8046% | 5,271 |
| Memoranda: | ||
| Average total assets | $394,171,670 | 1,667 |
| Average earning assets | $358,514,670 | 1,669 |
| Average equity | $34,309,000 | 1,945 |
| Average total loans | $250,138,000 | 1,711 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 5,668 |
| Cost of funding earning assets | 0.8374% | 5,349 |
| Net interest margin | 3.5692% | 4,726 |
| Noninterest income to average assets | 0.7123% | 2,501 |
| Noninterest expense to average assets | 2.9941% | 3,669 |
| Loan and lease loss provision to assets | 0.6088% | 1,411 |
| Net operating income to assets | 0.2942% | 5,437 |
| Return on assets (ROA) | 0.4231% | 4,930 |
| Pretax return on assets | 0.4880% | 5,066 |
| Return on Equity (ROE) | 4.9409% | 4,437 |
| Retained earnings to average equity (ytd only) | 4.9409% | 3,230 |
| Net charge-offs to loans | 0.4352% | 2,394 |
| Credit loss provision to net charge-offs | 219.7802% | 1,382 |
| Earnings coverage of net charge-offs (x) | 3.4249% | 2,743 |
| Efficiency ratio | 75.1158% | 3,317 |
| Assets per employee ($millions) | 4.7852% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2318% | 1,889 |
| Loan loss allowance to noncurrent loans | 73.7116% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 3.4232% | 1,989 |
| Noncurrent loans to loans | 3.0277% | 2,484 |
| Net loans and leases to total assets | 60.8950% | 4,097 |
| Net loans and leases to deposits | 67.9428% | 4,687 |
| Net loans and leases to core deposits | 73.6977% | 4,562 |
| Total domestic deposits to total assets | 89.6269% | 1,412 |
| Equity capital to assets | 8.6053% | 5,769 |
| Core capital (leverage) ratio | 8.6553% | 5,159 |
| Tier 1 risk-based capital ratio | 12.3990% | 5,350 |
| Total risk-based capital ratio | 13.6587% | 5,330 |
| Memoranda: | ||
| Average total assets | $394,235,500 | 1,677 |
| Average earning assets | $356,827,000 | 1,686 |
| Average equity | $33,759,000 | 1,956 |
| Average total loans | $250,940,000 | 1,723 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7983% | 5,411 |
| Cost of funding earning assets | 1.0594% | 5,371 |
| Net interest margin | 3.7389% | 4,185 |
| Noninterest income to average assets | 1.2113% | 1,021 |
| Noninterest expense to average assets | 3.1339% | 3,330 |
| Loan and lease loss provision to assets | 1.0377% | 1,557 |
| Net operating income to assets | 0.4067% | 4,517 |
| Return on assets (ROA) | 0.4030% | 4,664 |
| Pretax return on assets | 0.4541% | 4,781 |
| Return on Equity (ROE) | 4.5885% | 4,256 |
| Retained earnings to average equity (ytd only) | 4.5885% | 2,669 |
| Net charge-offs to loans | 1.3212% | 1,690 |
| Credit loss provision to net charge-offs | 118.3894% | 3,593 |
| Earnings coverage of net charge-offs (x) | 1.7067% | 4,440 |
| Efficiency ratio | 66.9606% | 4,769 |
| Assets per employee ($millions) | 4.5500% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0409% | 2,203 |
| Loan loss allowance to noncurrent loans | 54.2851% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 4.0900% | 1,652 |
| Noncurrent loans to loans | 3.7595% | 1,971 |
| Net loans and leases to total assets | 63.7127% | 3,934 |
| Net loans and leases to deposits | 71.0789% | 4,673 |
| Net loans and leases to core deposits | 75.3082% | 4,812 |
| Total domestic deposits to total assets | 89.6366% | 1,298 |
| Equity capital to assets | 8.5203% | 5,826 |
| Core capital (leverage) ratio | 8.8985% | 4,702 |
| Tier 1 risk-based capital ratio | 11.7926% | 5,657 |
| Total risk-based capital ratio | 13.0534% | 5,643 |
| Memoranda: | ||
| Average total assets | $379,680,600 | 1,730 |
| Average earning assets | $347,162,800 | 1,723 |
| Average equity | $33,344,400 | 1,983 |
| Average total loans | $251,887,200 | 1,751 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 5,533 |
| Cost of funding earning assets | 1.1178% | 5,328 |
| Net interest margin | 3.7151% | 4,330 |
| Noninterest income to average assets | 1.0818% | 1,224 |
| Noninterest expense to average assets | 3.1625% | 3,056 |
| Loan and lease loss provision to assets | 0.8588% | 1,771 |
| Net operating income to assets | 0.4124% | 4,694 |
| Return on assets (ROA) | 0.4031% | 4,912 |
| Pretax return on assets | 0.4593% | 5,048 |
| Return on Equity (ROE) | 4.5542% | 4,528 |
| Retained earnings to average equity (ytd only) | 4.5542% | 3,304 |
| Net charge-offs to loans | 0.9356% | 2,122 |
| Credit loss provision to net charge-offs | 137.6631% | 2,902 |
| Earnings coverage of net charge-offs (x) | 2.1299% | 4,122 |
| Efficiency ratio | 69.6581% | 4,143 |
| Assets per employee ($millions) | 4.3619% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1069% | 1,986 |
| Loan loss allowance to noncurrent loans | 55.4241% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 4.6463% | 1,437 |
| Noncurrent loans to loans | 3.8014% | 2,029 |
| Net loans and leases to total assets | 66.5387% | 3,562 |
| Net loans and leases to deposits | 74.9253% | 4,355 |
| Net loans and leases to core deposits | 79.5800% | 4,576 |
| Total domestic deposits to total assets | 88.8066% | 1,505 |
| Equity capital to assets | 9.3140% | 5,113 |
| Core capital (leverage) ratio | 8.6170% | 5,319 |
| Tier 1 risk-based capital ratio | 11.1448% | 6,246 |
| Total risk-based capital ratio | 12.3387% | 6,290 |
| Memoranda: | ||
| Average total assets | $376,776,000 | 1,772 |
| Average earning assets | $345,784,750 | 1,754 |
| Average equity | $33,345,500 | 1,998 |
| Average total loans | $251,233,750 | 1,777 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7861% | 5,839 |
| Cost of funding earning assets | 1.1469% | 5,425 |
| Net interest margin | 3.6392% | 4,634 |
| Noninterest income to average assets | 0.9052% | 1,673 |
| Noninterest expense to average assets | 3.0139% | 3,662 |
| Loan and lease loss provision to assets | 0.7416% | 1,951 |
| Net operating income to assets | 0.4365% | 4,595 |
| Return on assets (ROA) | 0.3898% | 4,958 |
| Pretax return on assets | 0.4445% | 5,081 |
| Return on Equity (ROE) | 4.4793% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.4793% | 3,216 |
| Net charge-offs to loans | 0.9795% | 1,888 |
| Credit loss provision to net charge-offs | 114.2626% | 3,565 |
| Earnings coverage of net charge-offs (x) | 1.9092% | 4,091 |
| Efficiency ratio | 70.0717% | 4,182 |
| Assets per employee ($millions) | 4.3693% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 2,400 |
| Loan loss allowance to noncurrent loans | 45.0132% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 4.5153% | 1,471 |
| Noncurrent loans to loans | 4.2315% | 1,761 |
| Net loans and leases to total assets | 64.4490% | 4,169 |
| Net loans and leases to deposits | 72.1397% | 4,967 |
| Net loans and leases to core deposits | 79.2984% | 4,773 |
| Total domestic deposits to total assets | 89.3392% | 1,265 |
| Equity capital to assets | 8.9054% | 5,594 |
| Core capital (leverage) ratio | 8.6026% | 5,233 |
| Tier 1 risk-based capital ratio | 11.5189% | 5,757 |
| Total risk-based capital ratio | 12.7673% | 5,729 |
| Memoranda: | ||
| Average total assets | $380,236,000 | 1,768 |
| Average earning assets | $349,803,670 | 1,747 |
| Average equity | $33,085,330 | 2,013 |
| Average total loans | $251,964,330 | 1,800 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9232% | 5,343 |
| Cost of funding earning assets | 1.1997% | 5,408 |
| Net interest margin | 3.7234% | 4,134 |
| Noninterest income to average assets | 0.7784% | 2,127 |
| Noninterest expense to average assets | 2.9777% | 3,757 |
| Loan and lease loss provision to assets | 0.4817% | 2,574 |
| Net operating income to assets | 0.5885% | 3,945 |
| Return on assets (ROA) | 0.5533% | 4,263 |
| Pretax return on assets | 0.7110% | 4,194 |
| Return on Equity (ROE) | 6.4339% | 3,647 |
| Retained earnings to average equity (ytd only) | 6.4339% | 2,389 |
| Net charge-offs to loans | 1.2265% | 1,390 |
| Credit loss provision to net charge-offs | 59.0206% | 4,318 |
| Earnings coverage of net charge-offs (x) | 1.5168% | 3,823 |
| Efficiency ratio | 69.8353% | 4,340 |
| Assets per employee ($millions) | 4.5325% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6997% | 3,061 |
| Loan loss allowance to noncurrent loans | 29.3332% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 4.8780% | 1,337 |
| Noncurrent loans to loans | 5.7945% | 1,166 |
| Net loans and leases to total assets | 64.7564% | 4,146 |
| Net loans and leases to deposits | 72.2679% | 5,010 |
| Net loans and leases to core deposits | 79.2400% | 4,858 |
| Total domestic deposits to total assets | 89.6059% | 1,180 |
| Equity capital to assets | 8.6994% | 5,728 |
| Core capital (leverage) ratio | 8.4727% | 5,419 |
| Tier 1 risk-based capital ratio | 11.3400% | 5,822 |
| Total risk-based capital ratio | 12.5778% | 5,800 |
| Memoranda: | ||
| Average total assets | $380,289,000 | 1,810 |
| Average earning assets | $351,075,500 | 1,779 |
| Average equity | $32,702,000 | 2,055 |
| Average total loans | $253,073,000 | 1,844 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1035% | 6,070 |
| Cost of funding earning assets | 1.6252% | 4,911 |
| Net interest margin | 3.4783% | 5,051 |
| Noninterest income to average assets | 1.4980% | 641 |
| Noninterest expense to average assets | 3.2160% | 3,324 |
| Loan and lease loss provision to assets | 0.9328% | 2,416 |
| Net operating income to assets | 0.4827% | 3,803 |
| Return on assets (ROA) | 0.3906% | 4,264 |
| Pretax return on assets | 0.4606% | 4,319 |
| Return on Equity (ROE) | 4.6492% | 3,823 |
| Retained earnings to average equity (ytd only) | 4.6492% | 2,003 |
| Net charge-offs to loans | 1.2238% | 2,015 |
| Credit loss provision to net charge-offs | 111.6929% | 4,918 |
| Earnings coverage of net charge-offs (x) | 1.7983% | 4,373 |
| Efficiency ratio | 67.0533% | 5,170 |
| Assets per employee ($millions) | 4.4688% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7945% | 2,559 |
| Loan loss allowance to noncurrent loans | 33.6565% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 4.6123% | 1,390 |
| Noncurrent loans to loans | 5.3318% | 1,230 |
| Net loans and leases to total assets | 66.0143% | 4,143 |
| Net loans and leases to deposits | 73.5763% | 5,107 |
| Net loans and leases to core deposits | 85.7329% | 5,544 |
| Total domestic deposits to total assets | 89.7223% | 1,096 |
| Equity capital to assets | 8.4989% | 5,880 |
| Core capital (leverage) ratio | 8.4899% | 5,295 |
| Tier 1 risk-based capital ratio | 10.9917% | 5,917 |
| Total risk-based capital ratio | 12.2433% | 5,890 |
| Memoranda: | ||
| Average total assets | $372,764,400 | 1,832 |
| Average earning assets | $345,057,200 | 1,809 |
| Average equity | $31,317,200 | 2,140 |
| Average total loans | $254,375,400 | 1,869 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1979% | 5,886 |
| Cost of funding earning assets | 1.7290% | 4,747 |
| Net interest margin | 3.4689% | 4,996 |
| Noninterest income to average assets | 1.6032% | 574 |
| Noninterest expense to average assets | 3.3010% | 2,917 |
| Loan and lease loss provision to assets | 0.6918% | 2,663 |
| Net operating income to assets | 0.6252% | 3,517 |
| Return on assets (ROA) | 0.5362% | 3,928 |
| Pretax return on assets | 0.7069% | 3,829 |
| Return on Equity (ROE) | 6.4014% | 3,348 |
| Retained earnings to average equity (ytd only) | 6.4014% | 1,763 |
| Net charge-offs to loans | 1.1369% | 1,769 |
| Credit loss provision to net charge-offs | 88.8325% | 5,515 |
| Earnings coverage of net charge-offs (x) | 1.9465% | 4,355 |
| Efficiency ratio | 67.4327% | 5,085 |
| Assets per employee ($millions) | 4.3904% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 2,896 |
| Loan loss allowance to noncurrent loans | 32.5078% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 4.4356% | 1,385 |
| Noncurrent loans to loans | 4.9987% | 1,330 |
| Net loans and leases to total assets | 64.5170% | 4,747 |
| Net loans and leases to deposits | 72.1987% | 5,617 |
| Net loans and leases to core deposits | 87.1482% | 5,734 |
| Total domestic deposits to total assets | 89.3604% | 1,032 |
| Equity capital to assets | 8.8732% | 5,670 |
| Core capital (leverage) ratio | 8.2194% | 5,980 |
| Tier 1 risk-based capital ratio | 11.5533% | 5,381 |
| Total risk-based capital ratio | 12.8094% | 5,319 |
| Memoranda: | ||
| Average total assets | $370,992,750 | 1,850 |
| Average earning assets | $343,696,500 | 1,833 |
| Average equity | $31,075,750 | 2,183 |
| Average total loans | $254,134,750 | 1,892 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2878% | 5,705 |
| Cost of funding earning assets | 1.8128% | 4,698 |
| Net interest margin | 3.4750% | 4,917 |
| Noninterest income to average assets | 1.8576% | 426 |
| Noninterest expense to average assets | 3.3706% | 2,720 |
| Loan and lease loss provision to assets | 0.6331% | 2,529 |
| Net operating income to assets | 0.7603% | 3,007 |
| Return on assets (ROA) | 0.7762% | 3,052 |
| Pretax return on assets | 1.1041% | 2,622 |
| Return on Equity (ROE) | 9.4550% | 2,202 |
| Retained earnings to average equity (ytd only) | 9.4550% | 824 |
| Net charge-offs to loans | 1.1933% | 1,534 |
| Credit loss provision to net charge-offs | 76.3518% | 5,295 |
| Earnings coverage of net charge-offs (x) | 2.0678% | 4,043 |
| Efficiency ratio | 65.2433% | 5,664 |
| Assets per employee ($millions) | 4.2703% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 2,981 |
| Loan loss allowance to noncurrent loans | 27.3650% | 6,672 |
| Noncurrent assets plus other real estate owned to assets | 4.6511% | 1,191 |
| Noncurrent loans to loans | 5.6372% | 1,016 |
| Net loans and leases to total assets | 65.4915% | 4,667 |
| Net loans and leases to deposits | 73.3724% | 5,558 |
| Net loans and leases to core deposits | 86.6987% | 5,837 |
| Total domestic deposits to total assets | 89.2590% | 1,138 |
| Equity capital to assets | 8.3494% | 6,266 |
| Core capital (leverage) ratio | 8.4822% | 5,481 |
| Tier 1 risk-based capital ratio | 11.2851% | 5,611 |
| Total risk-based capital ratio | 12.4841% | 5,574 |
| Memoranda: | ||
| Average total assets | $370,263,000 | 1,879 |
| Average earning assets | $343,889,000 | 1,841 |
| Average equity | $30,396,670 | 2,240 |
| Average total loans | $257,265,330 | 1,903 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4890% | 4,972 |
| Cost of funding earning assets | 1.9310% | 4,481 |
| Net interest margin | 3.5580% | 4,492 |
| Noninterest income to average assets | 1.7676% | 438 |
| Noninterest expense to average assets | 3.2969% | 2,664 |
| Loan and lease loss provision to assets | 0.5769% | 2,181 |
| Net operating income to assets | 0.8350% | 2,974 |
| Return on assets (ROA) | 0.8620% | 3,023 |
| Pretax return on assets | 1.2441% | 2,471 |
| Return on Equity (ROE) | 10.5928% | 2,100 |
| Retained earnings to average equity (ytd only) | 10.5928% | 1,056 |
| Net charge-offs to loans | 0.1840% | 3,530 |
| Credit loss provision to net charge-offs | 441.6667% | 1,194 |
| Earnings coverage of net charge-offs (x) | 13.6417% | 1,723 |
| Efficiency ratio | 63.8663% | 5,714 |
| Assets per employee ($millions) | 4.0463% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 1,886 |
| Loan loss allowance to noncurrent loans | 34.7656% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 4.1125% | 1,233 |
| Noncurrent loans to loans | 5.1360% | 1,051 |
| Net loans and leases to total assets | 68.3838% | 4,049 |
| Net loans and leases to deposits | 76.3352% | 5,172 |
| Net loans and leases to core deposits | 91.8854% | 5,353 |
| Total domestic deposits to total assets | 89.5835% | 978 |
| Equity capital to assets | 8.1933% | 6,544 |
| Core capital (leverage) ratio | 8.3724% | 5,768 |
| Tier 1 risk-based capital ratio | 11.2784% | 5,619 |
| Total risk-based capital ratio | 12.5341% | 5,526 |
| Memoranda: | ||
| Average total assets | $367,501,500 | 1,894 |
| Average earning assets | $341,994,000 | 1,864 |
| Average equity | $29,907,000 | 2,284 |
| Average total loans | $260,916,000 | 1,899 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9711% | 5,697 |
| Cost of funding earning assets | 2.6567% | 3,387 |
| Net interest margin | 3.3144% | 5,985 |
| Noninterest income to average assets | 0.8824% | 2,046 |
| Noninterest expense to average assets | 3.1199% | 3,616 |
| Loan and lease loss provision to assets | 0.4337% | 3,124 |
| Net operating income to assets | 0.3446% | 5,377 |
| Return on assets (ROA) | 0.4348% | 4,833 |
| Pretax return on assets | 0.5332% | 4,900 |
| Return on Equity (ROE) | 5.2676% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.2676% | 1,876 |
| Net charge-offs to loans | 0.2975% | 3,404 |
| Credit loss provision to net charge-offs | 198.8535% | 2,458 |
| Earnings coverage of net charge-offs (x) | 3.9287% | 4,178 |
| Efficiency ratio | 77.0908% | 3,062 |
| Assets per employee ($millions) | 3.9005% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 2,219 |
| Loan loss allowance to noncurrent loans | 29.2592% | 6,746 |
| Noncurrent assets plus other real estate owned to assets | 4.4761% | 845 |
| Noncurrent loans to loans | 5.4888% | 744 |
| Net loans and leases to total assets | 71.2406% | 3,739 |
| Net loans and leases to deposits | 79.4461% | 5,143 |
| Net loans and leases to core deposits | 95.3752% | 5,310 |
| Total domestic deposits to total assets | 89.6716% | 778 |
| Equity capital to assets | 8.0811% | 6,733 |
| Core capital (leverage) ratio | 8.4767% | 5,612 |
| Tier 1 risk-based capital ratio | 10.5884% | 6,117 |
| Total risk-based capital ratio | 11.8411% | 6,017 |
| Memoranda: | ||
| Average total assets | $359,914,000 | 1,865 |
| Average earning assets | $336,020,600 | 1,832 |
| Average equity | $29,710,000 | 2,278 |
| Average total loans | $263,860,000 | 1,811 |