Home > Baker-Boyer National Bank > Performance and Condition Ratios
Baker-Boyer National 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 | 3.4759% | 4,400 |
| Cost of funding earning assets | 0.5260% | 4,176 |
| Net interest margin | 2.9500% | 3,393 |
| Noninterest income to average assets | 1.8200% | 299 |
| Noninterest expense to average assets | 4.2100% | 325 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.3425% | 3,969 |
| Return on assets (ROA) | 0.4441% | 3,782 |
| Pretax return on assets | 0.5016% | 3,805 |
| Return on Equity (ROE) | 7.7800% | 3,086 |
| Retained earnings to average equity (ytd only) | 0.6029% | 3,933 |
| Net charge-offs to loans | 0.0316% | 1,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 25.7281% | 1,727 |
| Efficiency ratio | 91.3422% | 377 |
| Assets per employee ($millions) | 3.8553% | 4,209 |
| Cash dividends to net income (ytd only)* | 92.2488% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8861% | 3,761 |
| Loan loss allowance to noncurrent loans | 480.9316% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 2,557 |
| Noncurrent loans to loans | 0.1842% | 2,593 |
| Net loans and leases to total assets | 52.1000% | 3,473 |
| Net loans and leases to deposits | 59.4113% | 3,559 |
| Net loans and leases to core deposits | 62.4484% | 3,656 |
| Total domestic deposits to total assets | 87.6900% | 1,454 |
| Equity capital to assets | 6.6348% | 4,073 |
| Core capital (leverage) ratio | 8.3446% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0995% | 1,506 |
| Memoranda: | ||
| Average total assets | $735,010,800 | 1,261 |
| Average earning assets | $694,343,400 | 1,243 |
| Average equity | $41,964,800 | 1,815 |
| Average total loans | $360,559,400 | 1,576 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3819% | 4,426 |
| Cost of funding earning assets | 0.4516% | 4,199 |
| Net interest margin | 2.9303% | 3,479 |
| Noninterest income to average assets | 1.7600% | 335 |
| Noninterest expense to average assets | 4.1636% | 325 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3129% | 4,103 |
| Return on assets (ROA) | 0.4400% | 3,894 |
| Pretax return on assets | 0.5161% | 3,879 |
| Return on Equity (ROE) | 8.0200% | 3,182 |
| Retained earnings to average equity (ytd only) | -1.4221% | 4,280 |
| Net charge-offs to loans | 0.0470% | 1,217 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 16.1746% | 1,940 |
| Efficiency ratio | 91.9098% | 322 |
| Assets per employee ($millions) | 4.1264% | 4,107 |
| Cash dividends to net income (ytd only)* | 117.7360% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 3,776 |
| Loan loss allowance to noncurrent loans | 339.7317% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 1,816 |
| Noncurrent loans to loans | 0.2606% | 2,301 |
| Net loans and leases to total assets | 49.8900% | 3,622 |
| Net loans and leases to deposits | 56.9898% | 3,658 |
| Net loans and leases to core deposits | 58.9380% | 3,742 |
| Total domestic deposits to total assets | 87.5500% | 1,718 |
| Equity capital to assets | 5.5175% | 4,136 |
| Core capital (leverage) ratio | 8.1311% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5584% | 1,692 |
| Memoranda: | ||
| Average total assets | $741,419,500 | 1,250 |
| Average earning assets | $700,297,500 | 1,224 |
| Average equity | $40,689,500 | 1,843 |
| Average total loans | $357,478,250 | 1,587 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2798% | 4,470 |
| Cost of funding earning assets | 0.3149% | 4,289 |
| Net interest margin | 2.9649% | 3,522 |
| Noninterest income to average assets | 1.7200% | 286 |
| Noninterest expense to average assets | 4.2416% | 302 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2521% | 4,228 |
| Return on assets (ROA) | 0.4488% | 3,922 |
| Pretax return on assets | 0.5081% | 3,953 |
| Return on Equity (ROE) | 8.1900% | 3,190 |
| Retained earnings to average equity (ytd only) | -2.3802% | 4,313 |
| Net charge-offs to loans | 0.0062% | 2,017 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 964 |
| Efficiency ratio | 93.7143% | 266 |
| Assets per employee ($millions) | 3.9303% | 4,210 |
| Cash dividends to net income (ytd only)* | 129.0516% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 3,586 |
| Loan loss allowance to noncurrent loans | 350.8754% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 1,672 |
| Noncurrent loans to loans | 0.2727% | 2,176 |
| Net loans and leases to total assets | 48.7600% | 3,645 |
| Net loans and leases to deposits | 54.7082% | 3,711 |
| Net loans and leases to core deposits | 56.2736% | 3,804 |
| Total domestic deposits to total assets | 89.1300% | 1,206 |
| Equity capital to assets | 5.7145% | 4,231 |
| Core capital (leverage) ratio | 8.1019% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3286% | 1,482 |
| Memoranda: | ||
| Average total assets | $742,353,000 | 1,245 |
| Average earning assets | $702,420,667 | 1,222 |
| Average equity | $40,668,333 | 1,853 |
| Average total loans | $352,703,000 | 1,590 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1325% | 4,517 |
| Cost of funding earning assets | 0.1978% | 4,385 |
| Net interest margin | 2.9347% | 3,730 |
| Noninterest income to average assets | 1.6800% | 293 |
| Noninterest expense to average assets | 4.2142% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2207% | 4,334 |
| Return on assets (ROA) | 0.2266% | 4,291 |
| Pretax return on assets | 0.2458% | 4,299 |
| Return on Equity (ROE) | 4.2200% | 4,004 |
| Retained earnings to average equity (ytd only) | -6.1875% | 4,373 |
| Net charge-offs to loans | 0.0205% | 1,267 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,375 |
| Efficiency ratio | 94.6249% | 245 |
| Assets per employee ($millions) | 4.1114% | 4,208 |
| Cash dividends to net income (ytd only)* | 246.4789% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 3,637 |
| Loan loss allowance to noncurrent loans | 263.7704% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 1,459 |
| Noncurrent loans to loans | 0.3676% | 1,830 |
| Net loans and leases to total assets | 46.9200% | 3,715 |
| Net loans and leases to deposits | 51.2536% | 3,834 |
| Net loans and leases to core deposits | 51.8685% | 3,922 |
| Total domestic deposits to total assets | 91.5400% | 637 |
| Equity capital to assets | 5.7112% | 4,286 |
| Core capital (leverage) ratio | 7.8728% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4256% | 1,514 |
| Memoranda: | ||
| Average total assets | $751,940,000 | 1,253 |
| Average earning assets | $711,768,500 | 1,222 |
| Average equity | $40,339,500 | 1,886 |
| Average total loans | $351,031,500 | 1,612 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8361% | 4,291 |
| Cost of funding earning assets | 0.0390% | 4,592 |
| Net interest margin | 2.7971% | 3,903 |
| Noninterest income to average assets | 1.7700% | 289 |
| Noninterest expense to average assets | 3.7436% | 403 |
| Loan and lease loss provision to assets | -0.4900% | 4,693 |
| Net operating income to assets | 0.9605% | 2,723 |
| Return on assets (ROA) | 0.9586% | 2,680 |
| Pretax return on assets | 1.1644% | 2,553 |
| Return on Equity (ROE) | 16.5100% | 957 |
| Retained earnings to average equity (ytd only) | 3.0979% | 3,690 |
| Net charge-offs to loans | -0.2201% | 4,634 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.6256% | 464 |
| Assets per employee ($millions) | 4.1739% | 4,214 |
| Cash dividends to net income (ytd only)* | 81.2369% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 3,502 |
| Loan loss allowance to noncurrent loans | 393.3257% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 1,693 |
| Noncurrent loans to loans | 0.2473% | 2,288 |
| Net loans and leases to total assets | 45.5600% | 3,822 |
| Net loans and leases to deposits | 50.3758% | 3,883 |
| Net loans and leases to core deposits | 50.5714% | 3,958 |
| Total domestic deposits to total assets | 90.4500% | 1,171 |
| Equity capital to assets | 5.0291% | 4,361 |
| Core capital (leverage) ratio | 7.6726% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5517% | 1,462 |
| Memoranda: | ||
| Average total assets | $796,190,800 | 1,188 |
| Average earning assets | $756,390,400 | 1,164 |
| Average equity | $46,225,000 | 1,725 |
| Average total loans | $345,688,200 | 1,559 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7485% | 4,247 |
| Cost of funding earning assets | 0.0265% | 4,647 |
| Net interest margin | 2.7220% | 3,884 |
| Noninterest income to average assets | 1.7200% | 312 |
| Noninterest expense to average assets | 3.6061% | 443 |
| Loan and lease loss provision to assets | -0.6400% | 4,738 |
| Net operating income to assets | 1.0943% | 2,130 |
| Return on assets (ROA) | 1.0923% | 2,097 |
| Pretax return on assets | 1.3459% | 1,904 |
| Return on Equity (ROE) | 18.2300% | 615 |
| Retained earnings to average equity (ytd only) | 9.5172% | 1,479 |
| Net charge-offs to loans | -0.2920% | 4,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.6589% | 564 |
| Assets per employee ($millions) | 4.1727% | 4,240 |
| Cash dividends to net income (ytd only)* | 47.8070% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 3,587 |
| Loan loss allowance to noncurrent loans | 389.2449% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 1,828 |
| Noncurrent loans to loans | 0.2513% | 2,372 |
| Net loans and leases to total assets | 43.6800% | 3,896 |
| Net loans and leases to deposits | 47.1255% | 3,986 |
| Net loans and leases to core deposits | 47.2989% | 4,051 |
| Total domestic deposits to total assets | 92.6800% | 665 |
| Equity capital to assets | 5.2462% | 4,211 |
| Core capital (leverage) ratio | 7.8048% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2058% | 1,367 |
| Memoranda: | ||
| Average total assets | $804,283,500 | 1,187 |
| Average earning assets | $764,754,500 | 1,161 |
| Average equity | $48,178,000 | 1,688 |
| Average total loans | $344,251,000 | 1,556 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5956% | 4,276 |
| Cost of funding earning assets | 0.0270% | 4,698 |
| Net interest margin | 2.5686% | 3,959 |
| Noninterest income to average assets | 1.7692% | 270 |
| Noninterest expense to average assets | 3.5790% | 406 |
| Loan and lease loss provision to assets | -0.9636% | 4,763 |
| Net operating income to assets | 1.2876% | 1,175 |
| Return on assets (ROA) | 1.2850% | 1,165 |
| Pretax return on assets | 1.5943% | 950 |
| Return on Equity (ROE) | 20.6199% | 268 |
| Retained earnings to average equity (ytd only) | 12.2943% | 560 |
| Net charge-offs to loans | -0.3585% | 4,661 |
| Credit loss provision to net charge-offs | 634.1463% | 548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9519% | 628 |
| Assets per employee ($millions) | 4.2193% | 4,261 |
| Cash dividends to net income (ytd only)* | 40.3769% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 3,863 |
| Loan loss allowance to noncurrent loans | 315.3398% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 2,492 |
| Noncurrent loans to loans | 0.2953% | 2,282 |
| Net loans and leases to total assets | 43.5551% | 3,866 |
| Net loans and leases to deposits | 47.4716% | 3,952 |
| Net loans and leases to core deposits | 47.6868% | 4,039 |
| Total domestic deposits to total assets | 91.7499% | 944 |
| Equity capital to assets | 5.4608% | 4,374 |
| Core capital (leverage) ratio | 7.6534% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1499% | 1,405 |
| Memoranda: | ||
| Average total assets | $809,500,000 | 1,184 |
| Average earning assets | $770,143,000 | 1,165 |
| Average equity | $50,446,333 | 1,671 |
| Average total loans | $343,054,333 | 1,548 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5339% | 4,223 |
| Cost of funding earning assets | 0.0273% | 4,717 |
| Net interest margin | 2.5067% | 3,899 |
| Noninterest income to average assets | 1.7137% | 297 |
| Noninterest expense to average assets | 3.4690% | 432 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5089% | 3,689 |
| Return on assets (ROA) | 0.5073% | 3,659 |
| Pretax return on assets | 0.6272% | 3,559 |
| Return on Equity (ROE) | 7.6799% | 2,813 |
| Retained earnings to average equity (ytd only) | -0.0963% | 4,024 |
| Net charge-offs to loans | -0.0553% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6484% | 806 |
| Assets per employee ($millions) | 4.3302% | 4,236 |
| Cash dividends to net income (ytd only)* | 101.2536% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9331% | 696 |
| Loan loss allowance to noncurrent loans | 625.9753% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 2,905 |
| Noncurrent loans to loans | 0.3088% | 2,350 |
| Net loans and leases to total assets | 40.5656% | 3,974 |
| Net loans and leases to deposits | 45.0554% | 4,019 |
| Net loans and leases to core deposits | 45.2755% | 4,105 |
| Total domestic deposits to total assets | 90.0350% | 1,543 |
| Equity capital to assets | 6.0334% | 4,576 |
| Core capital (leverage) ratio | 7.2899% | 4,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2240% | 1,449 |
| Memoranda: | ||
| Average total assets | $817,632,000 | 1,173 |
| Average earning assets | $777,769,500 | 1,157 |
| Average equity | $54,011,000 | 1,623 |
| Average total loans | $340,210,000 | 1,554 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8105% | 4,190 |
| Cost of funding earning assets | 0.0302% | 4,757 |
| Net interest margin | 2.7802% | 3,709 |
| Noninterest income to average assets | 1.8101% | 365 |
| Noninterest expense to average assets | 3.6301% | 412 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6936% | 3,644 |
| Return on assets (ROA) | 0.6965% | 3,693 |
| Pretax return on assets | 0.8388% | 3,647 |
| Return on Equity (ROE) | 9.1200% | 2,869 |
| Retained earnings to average equity (ytd only) | 2.3766% | 3,864 |
| Net charge-offs to loans | -0.0511% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2931% | 733 |
| Assets per employee ($millions) | 4.3451% | 4,235 |
| Cash dividends to net income (ytd only)* | 73.9411% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9207% | 699 |
| Loan loss allowance to noncurrent loans | 586.3555% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 2,983 |
| Noncurrent loans to loans | 0.3276% | 2,414 |
| Net loans and leases to total assets | 41.0523% | 4,027 |
| Net loans and leases to deposits | 45.9971% | 4,091 |
| Net loans and leases to core deposits | 46.2265% | 4,176 |
| Total domestic deposits to total assets | 89.2497% | 1,382 |
| Equity capital to assets | 7.1854% | 4,684 |
| Core capital (leverage) ratio | 7.3737% | 4,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3493% | 1,425 |
| Memoranda: | ||
| Average total assets | $779,665,600 | 1,184 |
| Average earning assets | $744,647,400 | 1,160 |
| Average equity | $59,539,600 | 1,520 |
| Average total loans | $354,482,000 | 1,503 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8509% | 4,235 |
| Cost of funding earning assets | 0.0308% | 4,840 |
| Net interest margin | 2.8201% | 3,735 |
| Noninterest income to average assets | 1.7247% | 427 |
| Noninterest expense to average assets | 3.6156% | 402 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6658% | 3,850 |
| Return on assets (ROA) | 0.6687% | 3,899 |
| Pretax return on assets | 0.8057% | 3,881 |
| Return on Equity (ROE) | 8.6222% | 3,224 |
| Retained earnings to average equity (ytd only) | 2.0146% | 4,181 |
| Net charge-offs to loans | -0.0034% | 3,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8402% | 638 |
| Assets per employee ($millions) | 4.3087% | 4,257 |
| Cash dividends to net income (ytd only)* | 76.6348% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7647% | 992 |
| Loan loss allowance to noncurrent loans | 559.8592% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 3,171 |
| Noncurrent loans to loans | 0.3152% | 2,653 |
| Net loans and leases to total assets | 43.9416% | 3,956 |
| Net loans and leases to deposits | 49.1996% | 4,054 |
| Net loans and leases to core deposits | 49.4474% | 4,174 |
| Total domestic deposits to total assets | 89.3129% | 1,117 |
| Equity capital to assets | 7.5140% | 4,700 |
| Core capital (leverage) ratio | 7.5610% | 4,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3770% | 1,523 |
| Memoranda: | ||
| Average total assets | $771,450,250 | 1,207 |
| Average earning assets | $736,727,500 | 1,179 |
| Average equity | $59,828,750 | 1,540 |
| Average total loans | $358,079,250 | 1,524 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8623% | 4,269 |
| Cost of funding earning assets | 0.0317% | 4,876 |
| Net interest margin | 2.8306% | 3,719 |
| Noninterest income to average assets | 1.7126% | 426 |
| Noninterest expense to average assets | 3.7046% | 365 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5939% | 3,994 |
| Return on assets (ROA) | 0.5968% | 4,044 |
| Pretax return on assets | 0.7134% | 4,040 |
| Return on Equity (ROE) | 7.6119% | 3,501 |
| Retained earnings to average equity (ytd only) | 1.0169% | 4,336 |
| Net charge-offs to loans | 0.0593% | 1,024 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 25.4528% | 1,407 |
| Efficiency ratio | 83.9175% | 557 |
| Assets per employee ($millions) | 4.1214% | 4,382 |
| Cash dividends to net income (ytd only)* | 86.6402% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 1,071 |
| Loan loss allowance to noncurrent loans | 345.6004% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 2,761 |
| Noncurrent loans to loans | 0.4904% | 2,210 |
| Net loans and leases to total assets | 46.7481% | 3,849 |
| Net loans and leases to deposits | 52.5853% | 3,961 |
| Net loans and leases to core deposits | 52.8620% | 4,094 |
| Total domestic deposits to total assets | 88.8997% | 1,331 |
| Equity capital to assets | 7.6644% | 4,689 |
| Core capital (leverage) ratio | 7.5813% | 4,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3239% | 1,524 |
| Memoranda: | ||
| Average total assets | $760,027,667 | 1,222 |
| Average earning assets | $725,492,333 | 1,188 |
| Average equity | $59,591,000 | 1,538 |
| Average total loans | $357,304,000 | 1,534 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9102% | 4,241 |
| Cost of funding earning assets | 0.0323% | 4,913 |
| Net interest margin | 2.8779% | 3,579 |
| Noninterest income to average assets | 1.6784% | 502 |
| Noninterest expense to average assets | 3.6980% | 372 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6038% | 3,931 |
| Return on assets (ROA) | 0.6091% | 3,980 |
| Pretax return on assets | 0.7318% | 3,955 |
| Return on Equity (ROE) | 7.6792% | 3,422 |
| Retained earnings to average equity (ytd only) | 1.2129% | 4,175 |
| Net charge-offs to loans | -0.0387% | 4,290 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5997% | 619 |
| Assets per employee ($millions) | 4.1508% | 4,383 |
| Cash dividends to net income (ytd only)* | 84.2059% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7923% | 885 |
| Loan loss allowance to noncurrent loans | 106.7358% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.7667% | 1,189 |
| Noncurrent loans to loans | 1.6792% | 718 |
| Net loans and leases to total assets | 44.8412% | 4,050 |
| Net loans and leases to deposits | 50.2457% | 4,145 |
| Net loans and leases to core deposits | 50.4650% | 4,270 |
| Total domestic deposits to total assets | 89.2438% | 1,209 |
| Equity capital to assets | 7.5493% | 4,694 |
| Core capital (leverage) ratio | 7.9174% | 4,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0621% | 1,280 |
| Memoranda: | ||
| Average total assets | $752,632,500 | 1,210 |
| Average earning assets | $717,896,000 | 1,185 |
| Average equity | $59,694,000 | 1,525 |
| Average total loans | $351,727,000 | 1,561 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4123% | 4,175 |
| Cost of funding earning assets | 0.0462% | 4,943 |
| Net interest margin | 3.3661% | 2,880 |
| Noninterest income to average assets | 1.8880% | 359 |
| Noninterest expense to average assets | 4.1288% | 332 |
| Loan and lease loss provision to assets | 0.0018% | 4,308 |
| Net operating income to assets | 0.7973% | 3,104 |
| Return on assets (ROA) | 0.7968% | 3,224 |
| Pretax return on assets | 0.9550% | 3,199 |
| Return on Equity (ROE) | 8.9243% | 2,431 |
| Retained earnings to average equity (ytd only) | 1.5025% | 4,030 |
| Net charge-offs to loans | 0.0153% | 2,807 |
| Credit loss provision to net charge-offs | 25.0000% | 3,230 |
| Earnings coverage of net charge-offs (x) | 132.6250% | 638 |
| Efficiency ratio | 81.1757% | 801 |
| Assets per employee ($millions) | 3.8560% | 4,467 |
| Cash dividends to net income (ytd only)* | 83.1635% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8294% | 814 |
| Loan loss allowance to noncurrent loans | 136.2583% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 1,638 |
| Noncurrent loans to loans | 1.3426% | 1,010 |
| Net loans and leases to total assets | 47.0122% | 4,054 |
| Net loans and leases to deposits | 52.6259% | 4,189 |
| Net loans and leases to core deposits | 52.8938% | 4,303 |
| Total domestic deposits to total assets | 89.3328% | 838 |
| Equity capital to assets | 8.3427% | 4,556 |
| Core capital (leverage) ratio | 8.3089% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1005% | 1,241 |
| Memoranda: | ||
| Average total assets | $664,887,400 | 1,227 |
| Average earning assets | $631,746,000 | 1,208 |
| Average equity | $59,366,000 | 1,456 |
| Average total loans | $314,160,600 | 1,637 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4815% | 4,235 |
| Cost of funding earning assets | 0.0502% | 4,982 |
| Net interest margin | 3.4313% | 2,811 |
| Noninterest income to average assets | 1.8750% | 348 |
| Noninterest expense to average assets | 4.0991% | 349 |
| Loan and lease loss provision to assets | 0.0025% | 4,225 |
| Net operating income to assets | 0.8566% | 2,874 |
| Return on assets (ROA) | 0.8551% | 3,016 |
| Pretax return on assets | 1.0277% | 2,969 |
| Return on Equity (ROE) | 9.4049% | 2,245 |
| Retained earnings to average equity (ytd only) | 1.8210% | 3,997 |
| Net charge-offs to loans | 0.0048% | 2,973 |
| Credit loss provision to net charge-offs | 109.0909% | 2,559 |
| Earnings coverage of net charge-offs (x) | 457.2727% | 250 |
| Efficiency ratio | 79.8880% | 876 |
| Assets per employee ($millions) | 3.6575% | 4,578 |
| Cash dividends to net income (ytd only)* | 80.6382% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 563 |
| Loan loss allowance to noncurrent loans | 335.2756% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 3,043 |
| Noncurrent loans to loans | 0.5733% | 2,367 |
| Net loans and leases to total assets | 47.9079% | 4,216 |
| Net loans and leases to deposits | 54.2862% | 4,325 |
| Net loans and leases to core deposits | 54.5542% | 4,430 |
| Total domestic deposits to total assets | 88.2505% | 1,088 |
| Equity capital to assets | 8.8950% | 4,187 |
| Core capital (leverage) ratio | 8.6532% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3518% | 998 |
| Memoranda: | ||
| Average total assets | $649,878,250 | 1,237 |
| Average earning assets | $616,697,000 | 1,217 |
| Average equity | $59,088,000 | 1,453 |
| Average total loans | $305,912,250 | 1,661 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 4,326 |
| Cost of funding earning assets | 0.0544% | 5,021 |
| Net interest margin | 3.5084% | 2,760 |
| Noninterest income to average assets | 1.8855% | 316 |
| Noninterest expense to average assets | 4.2073% | 328 |
| Loan and lease loss provision to assets | 0.0025% | 4,124 |
| Net operating income to assets | 0.8374% | 2,910 |
| Return on assets (ROA) | 0.8350% | 3,038 |
| Pretax return on assets | 1.0001% | 3,030 |
| Return on Equity (ROE) | 9.1140% | 2,312 |
| Retained earnings to average equity (ytd only) | 0.9725% | 4,107 |
| Net charge-offs to loans | 0.0532% | 1,730 |
| Credit loss provision to net charge-offs | 10.1266% | 2,750 |
| Earnings coverage of net charge-offs (x) | 40.7089% | 1,236 |
| Efficiency ratio | 80.7125% | 839 |
| Assets per employee ($millions) | 3.6051% | 4,600 |
| Cash dividends to net income (ytd only)* | 89.3298% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9245% | 505 |
| Loan loss allowance to noncurrent loans | 275.9284% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 2,961 |
| Noncurrent loans to loans | 0.6975% | 2,133 |
| Net loans and leases to total assets | 47.2400% | 4,299 |
| Net loans and leases to deposits | 53.7715% | 4,386 |
| Net loans and leases to core deposits | 54.0375% | 4,496 |
| Total domestic deposits to total assets | 87.8532% | 1,257 |
| Equity capital to assets | 8.7950% | 4,269 |
| Core capital (leverage) ratio | 8.7105% | 4,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5619% | 966 |
| Memoranda: | ||
| Average total assets | $639,740,000 | 1,231 |
| Average earning assets | $606,715,333 | 1,213 |
| Average equity | $58,613,333 | 1,454 |
| Average total loans | $297,116,000 | 1,677 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7266% | 4,335 |
| Cost of funding earning assets | 0.0642% | 5,070 |
| Net interest margin | 3.6624% | 2,460 |
| Noninterest income to average assets | 1.9763% | 275 |
| Noninterest expense to average assets | 4.3172% | 360 |
| Loan and lease loss provision to assets | 0.0019% | 3,706 |
| Net operating income to assets | 0.9363% | 2,395 |
| Return on assets (ROA) | 0.9294% | 2,530 |
| Pretax return on assets | 1.1148% | 2,465 |
| Return on Equity (ROE) | 9.9246% | 1,768 |
| Retained earnings to average equity (ytd only) | 2.1947% | 3,373 |
| Net charge-offs to loans | 0.1421% | 889 |
| Credit loss provision to net charge-offs | 3.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 17.4100% | 1,495 |
| Efficiency ratio | 79.3255% | 1,207 |
| Assets per employee ($millions) | 3.2171% | 4,681 |
| Cash dividends to net income (ytd only)* | 77.8860% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2470% | 353 |
| Loan loss allowance to noncurrent loans | 340.5522% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 3,281 |
| Noncurrent loans to loans | 0.6598% | 2,337 |
| Net loans and leases to total assets | 43.3959% | 4,531 |
| Net loans and leases to deposits | 49.1523% | 4,621 |
| Net loans and leases to core deposits | 49.4136% | 4,691 |
| Total domestic deposits to total assets | 88.2885% | 979 |
| Equity capital to assets | 9.1462% | 4,510 |
| Core capital (leverage) ratio | 9.3583% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6338% | 1,047 |
| Memoranda: | ||
| Average total assets | $618,926,500 | 1,232 |
| Average earning assets | $585,735,000 | 1,217 |
| Average equity | $57,957,000 | 1,455 |
| Average total loans | $281,577,000 | 1,705 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0631% | 4,122 |
| Cost of funding earning assets | 0.1444% | 5,054 |
| Net interest margin | 3.9188% | 2,108 |
| Noninterest income to average assets | 2.1130% | 238 |
| Noninterest expense to average assets | 4.4184% | 334 |
| Loan and lease loss provision to assets | 0.0023% | 3,949 |
| Net operating income to assets | 1.1968% | 2,068 |
| Return on assets (ROA) | 1.1977% | 2,164 |
| Pretax return on assets | 1.4393% | 2,014 |
| Return on Equity (ROE) | 12.7061% | 1,274 |
| Retained earnings to average equity (ytd only) | 4.4030% | 2,759 |
| Net charge-offs to loans | -0.0394% | 4,773 |
| Credit loss provision to net charge-offs | -12.3894% | 4,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4116% | 1,431 |
| Assets per employee ($millions) | 2.9916% | 4,831 |
| Cash dividends to net income (ytd only)* | 65.3476% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2551% | 308 |
| Loan loss allowance to noncurrent loans | 428.3702% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 3,461 |
| Noncurrent loans to loans | 0.5264% | 2,603 |
| Net loans and leases to total assets | 45.5859% | 4,537 |
| Net loans and leases to deposits | 51.5036% | 4,627 |
| Net loans and leases to core deposits | 51.8114% | 4,713 |
| Total domestic deposits to total assets | 88.5102% | 881 |
| Equity capital to assets | 9.5904% | 4,279 |
| Core capital (leverage) ratio | 9.3676% | 4,202 |
| Tier 1 risk-based capital ratio | 17.6311% | 1,856 |
| Total risk-based capital ratio | 18.8897% | 1,808 |
| Memoranda: | ||
| Average total assets | $599,249,400 | 1,226 |
| Average earning assets | $572,835,600 | 1,198 |
| Average equity | $56,484,800 | 1,435 |
| Average total loans | $287,137,600 | 1,659 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 4,287 |
| Cost of funding earning assets | 0.1592% | 5,109 |
| Net interest margin | 3.8778% | 2,335 |
| Noninterest income to average assets | 1.9871% | 271 |
| Noninterest expense to average assets | 4.2836% | 369 |
| Loan and lease loss provision to assets | 0.0031% | 3,803 |
| Net operating income to assets | 1.1718% | 2,299 |
| Return on assets (ROA) | 1.1729% | 2,374 |
| Pretax return on assets | 1.4109% | 2,267 |
| Return on Equity (ROE) | 12.4991% | 1,444 |
| Retained earnings to average equity (ytd only) | 3.8040% | 3,494 |
| Net charge-offs to loans | -0.0065% | 4,270 |
| Credit loss provision to net charge-offs | -100.0000% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1999% | 1,426 |
| Assets per employee ($millions) | 3.0616% | 4,857 |
| Cash dividends to net income (ytd only)* | 69.5660% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1520% | 358 |
| Loan loss allowance to noncurrent loans | 454.4075% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 3,665 |
| Noncurrent loans to loans | 0.4736% | 2,876 |
| Net loans and leases to total assets | 47.1721% | 4,540 |
| Net loans and leases to deposits | 53.6574% | 4,648 |
| Net loans and leases to core deposits | 53.9804% | 4,745 |
| Total domestic deposits to total assets | 87.9134% | 1,069 |
| Equity capital to assets | 9.4353% | 4,507 |
| Core capital (leverage) ratio | 9.6192% | 4,051 |
| Tier 1 risk-based capital ratio | 17.1275% | 2,044 |
| Total risk-based capital ratio | 18.3854% | 1,993 |
| Memoranda: | ||
| Average total assets | $597,238,500 | 1,229 |
| Average earning assets | $571,277,500 | 1,205 |
| Average equity | $56,045,500 | 1,444 |
| Average total loans | $288,115,250 | 1,665 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0247% | 4,330 |
| Cost of funding earning assets | 0.1509% | 5,161 |
| Net interest margin | 3.8738% | 2,330 |
| Noninterest income to average assets | 1.9652% | 275 |
| Noninterest expense to average assets | 4.3419% | 355 |
| Loan and lease loss provision to assets | 0.0027% | 3,651 |
| Net operating income to assets | 1.1139% | 2,471 |
| Return on assets (ROA) | 1.1133% | 2,546 |
| Pretax return on assets | 1.3270% | 2,454 |
| Return on Equity (ROE) | 11.8861% | 1,621 |
| Retained earnings to average equity (ytd only) | 4.6064% | 2,973 |
| Net charge-offs to loans | -0.0028% | 4,018 |
| Credit loss provision to net charge-offs | -200.0000% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5456% | 1,328 |
| Assets per employee ($millions) | 3.0294% | 4,887 |
| Cash dividends to net income (ytd only)* | 61.2455% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1443% | 362 |
| Loan loss allowance to noncurrent loans | 318.2648% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 3,182 |
| Noncurrent loans to loans | 0.6737% | 2,283 |
| Net loans and leases to total assets | 49.2176% | 4,513 |
| Net loans and leases to deposits | 55.6758% | 4,608 |
| Net loans and leases to core deposits | 56.0241% | 4,713 |
| Total domestic deposits to total assets | 88.4005% | 922 |
| Equity capital to assets | 9.7575% | 4,186 |
| Core capital (leverage) ratio | 9.6192% | 4,011 |
| Tier 1 risk-based capital ratio | 17.0700% | 2,065 |
| Total risk-based capital ratio | 18.3281% | 2,012 |
| Memoranda: | ||
| Average total assets | $594,251,330 | 1,238 |
| Average earning assets | $568,694,670 | 1,208 |
| Average equity | $55,661,670 | 1,439 |
| Average total loans | $286,738,330 | 1,678 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9835% | 4,401 |
| Cost of funding earning assets | 0.1371% | 5,227 |
| Net interest margin | 3.8464% | 2,359 |
| Noninterest income to average assets | 1.9102% | 266 |
| Noninterest expense to average assets | 4.1755% | 418 |
| Loan and lease loss provision to assets | 0.0013% | 3,398 |
| Net operating income to assets | 1.1834% | 2,118 |
| Return on assets (ROA) | 1.1862% | 2,155 |
| Pretax return on assets | 1.4187% | 2,015 |
| Return on Equity (ROE) | 12.9256% | 1,242 |
| Retained earnings to average equity (ytd only) | 6.8293% | 2,108 |
| Net charge-offs to loans | 0.0169% | 2,129 |
| Credit loss provision to net charge-offs | 16.6667% | 2,156 |
| Earnings coverage of net charge-offs (x) | 177.2500% | 434 |
| Efficiency ratio | 74.6665% | 1,657 |
| Assets per employee ($millions) | 3.4526% | 4,604 |
| Cash dividends to net income (ytd only)* | 47.1645% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2336% | 340 |
| Loan loss allowance to noncurrent loans | 302.4190% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 3,230 |
| Noncurrent loans to loans | 0.7386% | 2,176 |
| Net loans and leases to total assets | 45.5441% | 4,684 |
| Net loans and leases to deposits | 51.9042% | 4,759 |
| Net loans and leases to core deposits | 52.1652% | 4,834 |
| Total domestic deposits to total assets | 87.7465% | 1,457 |
| Equity capital to assets | 9.2970% | 4,438 |
| Core capital (leverage) ratio | 9.3612% | 4,305 |
| Tier 1 risk-based capital ratio | 17.1586% | 2,062 |
| Total risk-based capital ratio | 18.4168% | 2,002 |
| Memoranda: | ||
| Average total assets | $600,554,500 | 1,223 |
| Average earning assets | $574,877,000 | 1,197 |
| Average equity | $55,115,500 | 1,446 |
| Average total loans | $283,835,000 | 1,702 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6924% | 4,679 |
| Cost of funding earning assets | 0.0626% | 5,354 |
| Net interest margin | 3.6298% | 3,281 |
| Noninterest income to average assets | 2.0995% | 252 |
| Noninterest expense to average assets | 4.1211% | 459 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2259% | 2,063 |
| Return on assets (ROA) | 1.2083% | 2,124 |
| Pretax return on assets | 1.4316% | 2,025 |
| Return on Equity (ROE) | 13.9259% | 1,065 |
| Retained earnings to average equity (ytd only) | 6.1422% | 2,120 |
| Net charge-offs to loans | -0.0118% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9392% | 1,632 |
| Assets per employee ($millions) | 3.4306% | 4,631 |
| Cash dividends to net income (ytd only)* | 55.8940% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1750% | 346 |
| Loan loss allowance to noncurrent loans | 431.7241% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 3,637 |
| Noncurrent loans to loans | 0.5038% | 2,763 |
| Net loans and leases to total assets | 46.8974% | 4,701 |
| Net loans and leases to deposits | 53.0467% | 4,783 |
| Net loans and leases to core deposits | 53.3126% | 4,867 |
| Total domestic deposits to total assets | 88.4078% | 1,113 |
| Equity capital to assets | 9.0577% | 4,532 |
| Core capital (leverage) ratio | 9.1810% | 4,477 |
| Tier 1 risk-based capital ratio | 16.5673% | 2,219 |
| Total risk-based capital ratio | 17.8251% | 2,162 |
| Memoranda: | ||
| Average total assets | $605,902,800 | 1,190 |
| Average earning assets | $579,927,000 | 1,158 |
| Average equity | $52,571,000 | 1,450 |
| Average total loans | $288,202,600 | 1,645 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6270% | 4,761 |
| Cost of funding earning assets | 0.0523% | 5,430 |
| Net interest margin | 3.5747% | 3,448 |
| Noninterest income to average assets | 2.0315% | 268 |
| Noninterest expense to average assets | 4.0733% | 475 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1635% | 2,398 |
| Return on assets (ROA) | 1.1410% | 2,497 |
| Pretax return on assets | 1.3520% | 2,417 |
| Return on Equity (ROE) | 13.2949% | 1,333 |
| Retained earnings to average equity (ytd only) | 5.5768% | 2,906 |
| Net charge-offs to loans | -0.0093% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7111% | 1,491 |
| Assets per employee ($millions) | 3.3007% | 4,772 |
| Cash dividends to net income (ytd only)* | 58.0528% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1660% | 380 |
| Loan loss allowance to noncurrent loans | 381.9572% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 3,584 |
| Noncurrent loans to loans | 0.5671% | 2,678 |
| Net loans and leases to total assets | 47.4765% | 4,738 |
| Net loans and leases to deposits | 53.3707% | 4,845 |
| Net loans and leases to core deposits | 53.6138% | 4,921 |
| Total domestic deposits to total assets | 88.9562% | 859 |
| Equity capital to assets | 8.9246% | 4,616 |
| Core capital (leverage) ratio | 9.1186% | 4,603 |
| Tier 1 risk-based capital ratio | 15.8394% | 2,511 |
| Total risk-based capital ratio | 17.0965% | 2,442 |
| Memoranda: | ||
| Average total assets | $607,288,750 | 1,191 |
| Average earning assets | $581,113,000 | 1,158 |
| Average equity | $52,119,000 | 1,464 |
| Average total loans | $288,300,000 | 1,651 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5358% | 4,867 |
| Cost of funding earning assets | 0.0427% | 5,500 |
| Net interest margin | 3.4930% | 3,653 |
| Noninterest income to average assets | 2.0037% | 273 |
| Noninterest expense to average assets | 4.0996% | 471 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0580% | 2,766 |
| Return on assets (ROA) | 1.0260% | 2,921 |
| Pretax return on assets | 1.2095% | 2,911 |
| Return on Equity (ROE) | 12.1117% | 1,684 |
| Retained earnings to average equity (ytd only) | 4.1723% | 3,525 |
| Net charge-offs to loans | -0.0354% | 4,797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6756% | 1,351 |
| Assets per employee ($millions) | 3.2830% | 4,835 |
| Cash dividends to net income (ytd only)* | 65.5513% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1372% | 416 |
| Loan loss allowance to noncurrent loans | 254.6045% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 3,046 |
| Noncurrent loans to loans | 0.8394% | 2,044 |
| Net loans and leases to total assets | 48.6305% | 4,678 |
| Net loans and leases to deposits | 54.7197% | 4,815 |
| Net loans and leases to core deposits | 55.0387% | 4,900 |
| Total domestic deposits to total assets | 88.8720% | 984 |
| Equity capital to assets | 8.8207% | 4,703 |
| Core capital (leverage) ratio | 8.8354% | 4,854 |
| Tier 1 risk-based capital ratio | 15.3920% | 2,692 |
| Total risk-based capital ratio | 16.6490% | 2,614 |
| Memoranda: | ||
| Average total assets | $611,676,670 | 1,189 |
| Average earning assets | $585,391,000 | 1,147 |
| Average equity | $51,817,670 | 1,472 |
| Average total loans | $288,295,000 | 1,652 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3577% | 5,067 |
| Cost of funding earning assets | 0.0397% | 5,566 |
| Net interest margin | 3.3181% | 4,138 |
| Noninterest income to average assets | 1.9838% | 276 |
| Noninterest expense to average assets | 3.9618% | 555 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0159% | 2,797 |
| Return on assets (ROA) | 1.0334% | 2,737 |
| Pretax return on assets | 1.2166% | 2,689 |
| Return on Equity (ROE) | 12.4419% | 1,426 |
| Retained earnings to average equity (ytd only) | 5.8609% | 2,775 |
| Net charge-offs to loans | -0.0182% | 4,507 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8109% | 1,484 |
| Assets per employee ($millions) | 3.5426% | 4,620 |
| Cash dividends to net income (ytd only)* | 52.8936% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1943% | 391 |
| Loan loss allowance to noncurrent loans | 231.7608% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 3,144 |
| Noncurrent loans to loans | 0.9468% | 1,927 |
| Net loans and leases to total assets | 43.6113% | 4,914 |
| Net loans and leases to deposits | 49.2630% | 4,990 |
| Net loans and leases to core deposits | 49.5898% | 5,051 |
| Total domestic deposits to total assets | 88.5276% | 1,340 |
| Equity capital to assets | 8.1270% | 5,217 |
| Core capital (leverage) ratio | 8.6058% | 5,060 |
| Tier 1 risk-based capital ratio | 15.4175% | 2,692 |
| Total risk-based capital ratio | 16.6747% | 2,627 |
| Memoranda: | ||
| Average total assets | $622,044,000 | 1,184 |
| Average earning assets | $595,044,000 | 1,138 |
| Average equity | $51,664,000 | 1,491 |
| Average total loans | $285,615,500 | 1,674 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3166% | 5,065 |
| Cost of funding earning assets | 0.0473% | 5,620 |
| Net interest margin | 3.2693% | 4,256 |
| Noninterest income to average assets | 2.0711% | 281 |
| Noninterest expense to average assets | 3.8723% | 635 |
| Loan and lease loss provision to assets | 0.0003% | 4,225 |
| Net operating income to assets | 0.9055% | 2,683 |
| Return on assets (ROA) | 0.9055% | 2,705 |
| Pretax return on assets | 1.3284% | 2,256 |
| Return on Equity (ROE) | 10.6927% | 1,591 |
| Retained earnings to average equity (ytd only) | 2.0534% | 4,089 |
| Net charge-offs to loans | -0.0598% | 5,233 |
| Credit loss provision to net charge-offs | -1.1834% | 4,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4523% | 1,833 |
| Assets per employee ($millions) | 3.3879% | 4,836 |
| Cash dividends to net income (ytd only)* | 80.7965% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1698% | 394 |
| Loan loss allowance to noncurrent loans | 568.4932% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 4,231 |
| Noncurrent loans to loans | 0.3817% | 3,386 |
| Net loans and leases to total assets | 46.2833% | 4,876 |
| Net loans and leases to deposits | 52.3754% | 4,967 |
| Net loans and leases to core deposits | 52.7120% | 5,054 |
| Total domestic deposits to total assets | 88.3684% | 1,319 |
| Equity capital to assets | 8.4932% | 5,129 |
| Core capital (leverage) ratio | 8.4959% | 5,140 |
| Tier 1 risk-based capital ratio | 15.4051% | 2,658 |
| Total risk-based capital ratio | 16.6662% | 2,592 |
| Memoranda: | ||
| Average total assets | $607,263,600 | 1,182 |
| Average earning assets | $581,375,000 | 1,145 |
| Average equity | $51,427,800 | 1,492 |
| Average total loans | $282,699,600 | 1,643 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2953% | 5,116 |
| Cost of funding earning assets | 0.0488% | 5,683 |
| Net interest margin | 3.2464% | 4,337 |
| Noninterest income to average assets | 1.9297% | 325 |
| Noninterest expense to average assets | 3.8352% | 644 |
| Loan and lease loss provision to assets | 0.0004% | 4,083 |
| Net operating income to assets | 0.9343% | 2,858 |
| Return on assets (ROA) | 0.9343% | 2,916 |
| Pretax return on assets | 1.2012% | 2,904 |
| Return on Equity (ROE) | 11.0407% | 1,683 |
| Retained earnings to average equity (ytd only) | 1.8518% | 4,691 |
| Net charge-offs to loans | -0.0904% | 5,349 |
| Credit loss provision to net charge-offs | -1.0471% | 4,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1428% | 1,567 |
| Assets per employee ($millions) | 3.2998% | 4,965 |
| Cash dividends to net income (ytd only)* | 83.2276% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2017% | 402 |
| Loan loss allowance to noncurrent loans | 658.1665% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 4,485 |
| Noncurrent loans to loans | 0.3345% | 3,752 |
| Net loans and leases to total assets | 45.9456% | 4,945 |
| Net loans and leases to deposits | 51.9043% | 5,056 |
| Net loans and leases to core deposits | 52.2387% | 5,133 |
| Total domestic deposits to total assets | 88.5200% | 1,110 |
| Equity capital to assets | 8.6542% | 5,185 |
| Core capital (leverage) ratio | 8.6505% | 5,109 |
| Tier 1 risk-based capital ratio | 15.2805% | 2,803 |
| Total risk-based capital ratio | 16.5422% | 2,735 |
| Memoranda: | ||
| Average total assets | $607,473,000 | 1,188 |
| Average earning assets | $581,421,000 | 1,154 |
| Average equity | $51,408,500 | 1,506 |
| Average total loans | $281,649,750 | 1,658 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2443% | 5,183 |
| Cost of funding earning assets | 0.0477% | 5,725 |
| Net interest margin | 3.1966% | 4,429 |
| Noninterest income to average assets | 1.9100% | 336 |
| Noninterest expense to average assets | 3.8651% | 623 |
| Loan and lease loss provision to assets | 0.0007% | 3,866 |
| Net operating income to assets | 0.8684% | 3,079 |
| Return on assets (ROA) | 0.8684% | 3,130 |
| Pretax return on assets | 1.1053% | 3,150 |
| Return on Equity (ROE) | 10.3394% | 1,900 |
| Retained earnings to average equity (ytd only) | 0.4225% | 4,992 |
| Net charge-offs to loans | -0.1189% | 5,464 |
| Credit loss provision to net charge-offs | -1.1976% | 4,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7513% | 1,500 |
| Assets per employee ($millions) | 3.3978% | 4,861 |
| Cash dividends to net income (ytd only)* | 95.9137% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1895% | 446 |
| Loan loss allowance to noncurrent loans | 563.1674% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 4,441 |
| Noncurrent loans to loans | 0.3888% | 3,629 |
| Net loans and leases to total assets | 46.2238% | 4,942 |
| Net loans and leases to deposits | 52.7868% | 5,025 |
| Net loans and leases to core deposits | 53.1318% | 5,114 |
| Total domestic deposits to total assets | 87.5670% | 1,681 |
| Equity capital to assets | 8.5709% | 5,249 |
| Core capital (leverage) ratio | 8.4041% | 5,281 |
| Tier 1 risk-based capital ratio | 15.0078% | 2,922 |
| Total risk-based capital ratio | 16.2683% | 2,855 |
| Memoranda: | ||
| Average total assets | $608,678,330 | 1,192 |
| Average earning assets | $582,860,330 | 1,153 |
| Average equity | $51,125,000 | 1,512 |
| Average total loans | $280,969,000 | 1,658 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1706% | 5,279 |
| Cost of funding earning assets | 0.0464% | 5,792 |
| Net interest margin | 3.1243% | 4,585 |
| Noninterest income to average assets | 1.8931% | 332 |
| Noninterest expense to average assets | 3.6674% | 811 |
| Loan and lease loss provision to assets | 0.0013% | 3,527 |
| Net operating income to assets | 0.9289% | 2,621 |
| Return on assets (ROA) | 0.9289% | 2,673 |
| Pretax return on assets | 1.2170% | 2,519 |
| Return on Equity (ROE) | 11.1717% | 1,508 |
| Retained earnings to average equity (ytd only) | 4.2974% | 3,282 |
| Net charge-offs to loans | -0.1947% | 5,616 |
| Credit loss provision to net charge-offs | -1.4706% | 3,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0635% | 2,062 |
| Assets per employee ($millions) | 3.5212% | 4,763 |
| Cash dividends to net income (ytd only)* | 61.5331% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2255% | 457 |
| Loan loss allowance to noncurrent loans | 611.8577% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 4,604 |
| Noncurrent loans to loans | 0.3637% | 3,787 |
| Net loans and leases to total assets | 43.6476% | 5,057 |
| Net loans and leases to deposits | 49.8796% | 5,139 |
| Net loans and leases to core deposits | 50.2170% | 5,214 |
| Total domestic deposits to total assets | 87.5059% | 1,986 |
| Equity capital to assets | 8.2221% | 5,399 |
| Core capital (leverage) ratio | 8.4077% | 5,295 |
| Tier 1 risk-based capital ratio | 15.1309% | 2,907 |
| Total risk-based capital ratio | 16.3906% | 2,834 |
| Memoranda: | ||
| Average total assets | $612,314,000 | 1,186 |
| Average earning assets | $586,507,500 | 1,146 |
| Average equity | $50,914,500 | 1,520 |
| Average total loans | $279,345,500 | 1,677 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3449% | 5,088 |
| Cost of funding earning assets | 0.0523% | 5,830 |
| Net interest margin | 3.2926% | 4,163 |
| Noninterest income to average assets | 2.0524% | 335 |
| Noninterest expense to average assets | 3.8594% | 723 |
| Loan and lease loss provision to assets | 0.0824% | 2,712 |
| Net operating income to assets | 0.9560% | 2,553 |
| Return on assets (ROA) | 0.9608% | 2,638 |
| Pretax return on assets | 1.2663% | 2,413 |
| Return on Equity (ROE) | 10.9845% | 1,583 |
| Retained earnings to average equity (ytd only) | 2.3094% | 4,215 |
| Net charge-offs to loans | 0.2010% | 1,384 |
| Credit loss provision to net charge-offs | 82.5260% | 2,937 |
| Earnings coverage of net charge-offs (x) | 13.4498% | 2,368 |
| Efficiency ratio | 74.1959% | 2,263 |
| Assets per employee ($millions) | 3.4169% | 4,875 |
| Cash dividends to net income (ytd only)* | 78.9757% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1585% | 489 |
| Loan loss allowance to noncurrent loans | 580.4410% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 4,623 |
| Noncurrent loans to loans | 0.3719% | 3,790 |
| Net loans and leases to total assets | 45.6304% | 5,037 |
| Net loans and leases to deposits | 52.0452% | 5,118 |
| Net loans and leases to core deposits | 52.4375% | 5,208 |
| Total domestic deposits to total assets | 87.6746% | 1,800 |
| Equity capital to assets | 8.4115% | 5,336 |
| Core capital (leverage) ratio | 8.4879% | 5,273 |
| Tier 1 risk-based capital ratio | 15.3165% | 2,835 |
| Total risk-based capital ratio | 16.5766% | 2,761 |
| Memoranda: | ||
| Average total assets | $579,185,000 | 1,205 |
| Average earning assets | $553,976,600 | 1,162 |
| Average equity | $50,662,400 | 1,498 |
| Average total loans | $287,589,800 | 1,574 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3497% | 5,122 |
| Cost of funding earning assets | 0.0535% | 5,896 |
| Net interest margin | 3.2962% | 4,198 |
| Noninterest income to average assets | 1.9475% | 362 |
| Noninterest expense to average assets | 3.8188% | 733 |
| Loan and lease loss provision to assets | 0.1006% | 2,229 |
| Net operating income to assets | 0.8976% | 2,920 |
| Return on assets (ROA) | 0.9042% | 3,024 |
| Pretax return on assets | 1.1877% | 2,883 |
| Return on Equity (ROE) | 10.2335% | 1,954 |
| Retained earnings to average equity (ytd only) | 1.0391% | 5,074 |
| Net charge-offs to loans | 0.2129% | 1,094 |
| Credit loss provision to net charge-offs | 93.7229% | 2,477 |
| Earnings coverage of net charge-offs (x) | 11.9178% | 2,435 |
| Efficiency ratio | 74.8997% | 2,121 |
| Assets per employee ($millions) | 3.2582% | 5,097 |
| Cash dividends to net income (ytd only)* | 89.8456% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1152% | 588 |
| Loan loss allowance to noncurrent loans | 294.0951% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 3,982 |
| Noncurrent loans to loans | 0.7192% | 2,874 |
| Net loans and leases to total assets | 48.6086% | 4,914 |
| Net loans and leases to deposits | 55.3446% | 5,033 |
| Net loans and leases to core deposits | 55.7508% | 5,159 |
| Total domestic deposits to total assets | 87.8290% | 1,487 |
| Equity capital to assets | 8.7388% | 5,375 |
| Core capital (leverage) ratio | 8.6811% | 5,169 |
| Tier 1 risk-based capital ratio | 14.2650% | 3,422 |
| Total risk-based capital ratio | 15.5230% | 3,344 |
| Memoranda: | ||
| Average total assets | $573,635,750 | 1,219 |
| Average earning assets | $548,372,250 | 1,174 |
| Average equity | $50,681,750 | 1,505 |
| Average total loans | $289,370,500 | 1,572 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3497% | 5,185 |
| Cost of funding earning assets | 0.0546% | 5,977 |
| Net interest margin | 3.2951% | 4,256 |
| Noninterest income to average assets | 1.9241% | 355 |
| Noninterest expense to average assets | 3.8472% | 720 |
| Loan and lease loss provision to assets | 0.0933% | 2,289 |
| Net operating income to assets | 0.8621% | 3,040 |
| Return on assets (ROA) | 0.8720% | 3,106 |
| Pretax return on assets | 1.1472% | 2,993 |
| Return on Equity (ROE) | 9.8326% | 2,125 |
| Retained earnings to average equity (ytd only) | 1.1347% | 4,928 |
| Net charge-offs to loans | 0.2862% | 833 |
| Credit loss provision to net charge-offs | 64.2512% | 2,530 |
| Earnings coverage of net charge-offs (x) | 8.4565% | 2,514 |
| Efficiency ratio | 75.8118% | 2,108 |
| Assets per employee ($millions) | 3.1824% | 5,232 |
| Cash dividends to net income (ytd only)* | 88.4600% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0471% | 679 |
| Loan loss allowance to noncurrent loans | 210.0350% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 3,533 |
| Noncurrent loans to loans | 0.9747% | 2,329 |
| Net loans and leases to total assets | 50.4567% | 4,812 |
| Net loans and leases to deposits | 57.7672% | 4,916 |
| Net loans and leases to core deposits | 58.2058% | 5,061 |
| Total domestic deposits to total assets | 87.3449% | 1,740 |
| Equity capital to assets | 8.9337% | 5,288 |
| Core capital (leverage) ratio | 8.6319% | 5,232 |
| Tier 1 risk-based capital ratio | 14.6530% | 3,230 |
| Total risk-based capital ratio | 15.9107% | 3,169 |
| Memoranda: | ||
| Average total assets | $570,443,670 | 1,229 |
| Average earning assets | $545,415,000 | 1,190 |
| Average equity | $50,587,000 | 1,517 |
| Average total loans | $289,288,330 | 1,573 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3405% | 5,241 |
| Cost of funding earning assets | 0.0550% | 6,041 |
| Net interest margin | 3.2855% | 4,280 |
| Noninterest income to average assets | 1.8772% | 372 |
| Noninterest expense to average assets | 3.7047% | 892 |
| Loan and lease loss provision to assets | 0.0722% | 2,513 |
| Net operating income to assets | 0.9199% | 2,651 |
| Return on assets (ROA) | 0.9257% | 2,729 |
| Pretax return on assets | 1.2487% | 2,512 |
| Return on Equity (ROE) | 10.4769% | 1,786 |
| Retained earnings to average equity (ytd only) | 3.3390% | 3,826 |
| Net charge-offs to loans | 0.3245% | 679 |
| Credit loss provision to net charge-offs | 44.2060% | 2,105 |
| Earnings coverage of net charge-offs (x) | 8.0429% | 2,092 |
| Efficiency ratio | 73.8305% | 2,505 |
| Assets per employee ($millions) | 3.2329% | 5,222 |
| Cash dividends to net income (ytd only)* | 68.1302% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1160% | 669 |
| Loan loss allowance to noncurrent loans | 198.6152% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 3,492 |
| Noncurrent loans to loans | 1.0654% | 2,260 |
| Net loans and leases to total assets | 48.4244% | 4,936 |
| Net loans and leases to deposits | 55.3320% | 5,024 |
| Net loans and leases to core deposits | 55.8697% | 5,136 |
| Total domestic deposits to total assets | 87.5162% | 1,912 |
| Equity capital to assets | 8.8147% | 5,329 |
| Core capital (leverage) ratio | 8.7811% | 5,091 |
| Tier 1 risk-based capital ratio | 14.8194% | 3,234 |
| Total risk-based capital ratio | 16.0775% | 3,171 |
| Memoranda: | ||
| Average total assets | $570,840,000 | 1,232 |
| Average earning assets | $545,666,000 | 1,187 |
| Average equity | $50,435,000 | 1,518 |
| Average total loans | $287,215,500 | 1,580 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3932% | 5,174 |
| Cost of funding earning assets | 0.0604% | 6,090 |
| Net interest margin | 3.3328% | 4,177 |
| Noninterest income to average assets | 2.1177% | 328 |
| Noninterest expense to average assets | 3.8791% | 778 |
| Loan and lease loss provision to assets | 0.0593% | 3,122 |
| Net operating income to assets | 1.0068% | 2,327 |
| Return on assets (ROA) | 1.0117% | 2,388 |
| Pretax return on assets | 1.3662% | 2,045 |
| Return on Equity (ROE) | 11.6074% | 1,409 |
| Retained earnings to average equity (ytd only) | 4.1838% | 3,011 |
| Net charge-offs to loans | 0.0491% | 3,218 |
| Credit loss provision to net charge-offs | 233.8028% | 1,222 |
| Earnings coverage of net charge-offs (x) | 55.9789% | 925 |
| Efficiency ratio | 73.2186% | 2,710 |
| Assets per employee ($millions) | 3.2920% | 5,164 |
| Cash dividends to net income (ytd only)* | 63.9555% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1243% | 667 |
| Loan loss allowance to noncurrent loans | 184.6685% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 3,297 |
| Noncurrent loans to loans | 1.1503% | 2,046 |
| Net loans and leases to total assets | 50.0845% | 4,862 |
| Net loans and leases to deposits | 57.1083% | 4,972 |
| Net loans and leases to core deposits | 57.6756% | 5,123 |
| Total domestic deposits to total assets | 87.7010% | 1,792 |
| Equity capital to assets | 8.8561% | 5,264 |
| Core capital (leverage) ratio | 8.7716% | 5,141 |
| Tier 1 risk-based capital ratio | 14.8537% | 3,240 |
| Total risk-based capital ratio | 16.1119% | 3,180 |
| Memoranda: | ||
| Average total assets | $560,230,000 | 1,218 |
| Average earning assets | $534,595,800 | 1,177 |
| Average equity | $48,831,000 | 1,533 |
| Average total loans | $289,061,400 | 1,511 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4010% | 5,201 |
| Cost of funding earning assets | 0.0615% | 6,178 |
| Net interest margin | 3.3395% | 4,179 |
| Noninterest income to average assets | 2.0415% | 351 |
| Noninterest expense to average assets | 3.8372% | 811 |
| Loan and lease loss provision to assets | 0.0523% | 3,150 |
| Net operating income to assets | 0.9855% | 2,538 |
| Return on assets (ROA) | 0.9901% | 2,602 |
| Pretax return on assets | 1.3435% | 2,234 |
| Return on Equity (ROE) | 11.4054% | 1,573 |
| Retained earnings to average equity (ytd only) | 3.9832% | 3,633 |
| Net charge-offs to loans | 0.0623% | 2,703 |
| Credit loss provision to net charge-offs | 162.2222% | 1,585 |
| Earnings coverage of net charge-offs (x) | 43.1323% | 1,163 |
| Efficiency ratio | 73.4146% | 2,651 |
| Assets per employee ($millions) | 3.2542% | 5,207 |
| Cash dividends to net income (ytd only)* | 65.0759% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0833% | 802 |
| Loan loss allowance to noncurrent loans | 195.1597% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.5537% | 3,646 |
| Noncurrent loans to loans | 1.0675% | 2,349 |
| Net loans and leases to total assets | 50.7868% | 4,869 |
| Net loans and leases to deposits | 58.2561% | 4,981 |
| Net loans and leases to core deposits | 58.7389% | 5,144 |
| Total domestic deposits to total assets | 87.1785% | 1,946 |
| Equity capital to assets | 8.8454% | 5,445 |
| Core capital (leverage) ratio | 8.8316% | 5,200 |
| Tier 1 risk-based capital ratio | 14.1306% | 3,777 |
| Total risk-based capital ratio | 15.3873% | 3,708 |
| Memoranda: | ||
| Average total assets | $558,729,750 | 1,225 |
| Average earning assets | $532,920,500 | 1,190 |
| Average equity | $48,502,250 | 1,543 |
| Average total loans | $288,889,500 | 1,514 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3462% | 5,353 |
| Cost of funding earning assets | 0.0627% | 6,247 |
| Net interest margin | 3.2835% | 4,361 |
| Noninterest income to average assets | 1.9352% | 389 |
| Noninterest expense to average assets | 3.8668% | 798 |
| Loan and lease loss provision to assets | 0.0165% | 3,795 |
| Net operating income to assets | 0.8726% | 3,030 |
| Return on assets (ROA) | 0.8789% | 3,104 |
| Pretax return on assets | 1.1927% | 2,806 |
| Return on Equity (ROE) | 10.1897% | 1,986 |
| Retained earnings to average equity (ytd only) | 2.5080% | 4,457 |
| Net charge-offs to loans | 0.0472% | 2,757 |
| Credit loss provision to net charge-offs | 67.6471% | 2,492 |
| Earnings coverage of net charge-offs (x) | 49.2941% | 969 |
| Efficiency ratio | 76.3076% | 2,305 |
| Assets per employee ($millions) | 3.1918% | 5,354 |
| Cash dividends to net income (ytd only)* | 75.3871% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0085% | 971 |
| Loan loss allowance to noncurrent loans | 241.6429% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 4,147 |
| Noncurrent loans to loans | 0.8312% | 3,044 |
| Net loans and leases to total assets | 52.5005% | 4,709 |
| Net loans and leases to deposits | 60.4637% | 4,815 |
| Net loans and leases to core deposits | 61.0036% | 5,008 |
| Total domestic deposits to total assets | 86.8298% | 2,251 |
| Equity capital to assets | 8.7573% | 5,477 |
| Core capital (leverage) ratio | 8.6221% | 5,413 |
| Tier 1 risk-based capital ratio | 13.5391% | 4,193 |
| Total risk-based capital ratio | 14.7950% | 4,122 |
| Memoranda: | ||
| Average total assets | $558,397,670 | 1,232 |
| Average earning assets | $532,661,330 | 1,194 |
| Average equity | $48,166,330 | 1,554 |
| Average total loans | $288,414,330 | 1,525 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2758% | 5,501 |
| Cost of funding earning assets | 0.0620% | 6,322 |
| Net interest margin | 3.2138% | 4,554 |
| Noninterest income to average assets | 1.8358% | 405 |
| Noninterest expense to average assets | 3.7485% | 935 |
| Loan and lease loss provision to assets | 0.0164% | 3,513 |
| Net operating income to assets | 0.8362% | 3,077 |
| Return on assets (ROA) | 0.8377% | 3,196 |
| Pretax return on assets | 1.1369% | 2,920 |
| Return on Equity (ROE) | 9.7854% | 2,101 |
| Retained earnings to average equity (ytd only) | 2.2966% | 4,542 |
| Net charge-offs to loans | -0.1307% | 5,945 |
| Credit loss provision to net charge-offs | -24.7312% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5048% | 2,424 |
| Assets per employee ($millions) | 3.3003% | 5,239 |
| Cash dividends to net income (ytd only)* | 76.5306% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1392% | 870 |
| Loan loss allowance to noncurrent loans | 224.0604% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 4,127 |
| Noncurrent loans to loans | 0.9547% | 2,868 |
| Net loans and leases to total assets | 48.7232% | 4,960 |
| Net loans and leases to deposits | 55.8190% | 5,061 |
| Net loans and leases to core deposits | 56.2985% | 5,235 |
| Total domestic deposits to total assets | 87.2879% | 2,220 |
| Equity capital to assets | 8.4451% | 5,775 |
| Core capital (leverage) ratio | 8.5432% | 5,481 |
| Tier 1 risk-based capital ratio | 14.0662% | 3,964 |
| Total risk-based capital ratio | 15.3235% | 3,888 |
| Memoranda: | ||
| Average total assets | $561,507,500 | 1,231 |
| Average earning assets | $535,312,500 | 1,192 |
| Average equity | $48,071,500 | 1,566 |
| Average total loans | $284,702,500 | 1,542 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3227% | 5,670 |
| Cost of funding earning assets | 0.0796% | 6,371 |
| Net interest margin | 3.2431% | 4,779 |
| Noninterest income to average assets | 2.1054% | 315 |
| Noninterest expense to average assets | 3.8285% | 946 |
| Loan and lease loss provision to assets | 0.0124% | 4,372 |
| Net operating income to assets | 0.9842% | 2,458 |
| Return on assets (ROA) | 1.0154% | 2,393 |
| Pretax return on assets | 1.4002% | 1,887 |
| Return on Equity (ROE) | 12.0218% | 1,401 |
| Retained earnings to average equity (ytd only) | 2.2445% | 4,643 |
| Net charge-offs to loans | 0.2903% | 1,502 |
| Credit loss provision to net charge-offs | 8.4352% | 4,118 |
| Earnings coverage of net charge-offs (x) | 9.3276% | 2,768 |
| Efficiency ratio | 73.6488% | 2,891 |
| Assets per employee ($millions) | 3.1727% | 5,464 |
| Cash dividends to net income (ytd only)* | 81.3296% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0916% | 960 |
| Loan loss allowance to noncurrent loans | 217.2678% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 4,144 |
| Noncurrent loans to loans | 0.9627% | 2,917 |
| Net loans and leases to total assets | 50.5692% | 4,911 |
| Net loans and leases to deposits | 57.6633% | 5,087 |
| Net loans and leases to core deposits | 58.1361% | 5,254 |
| Total domestic deposits to total assets | 87.6974% | 1,927 |
| Equity capital to assets | 8.6812% | 5,588 |
| Core capital (leverage) ratio | 8.4407% | 5,623 |
| Tier 1 risk-based capital ratio | 14.0370% | 4,061 |
| Total risk-based capital ratio | 15.2934% | 3,984 |
| Memoranda: | ||
| Average total assets | $557,005,400 | 1,200 |
| Average earning assets | $531,220,000 | 1,139 |
| Average equity | $47,048,000 | 1,533 |
| Average total loans | $281,791,800 | 1,512 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2917% | 5,785 |
| Cost of funding earning assets | 0.0834% | 6,450 |
| Net interest margin | 3.2083% | 4,939 |
| Noninterest income to average assets | 1.9833% | 351 |
| Noninterest expense to average assets | 3.7846% | 991 |
| Loan and lease loss provision to assets | 0.0107% | 4,205 |
| Net operating income to assets | 0.9088% | 2,874 |
| Return on assets (ROA) | 0.9503% | 2,767 |
| Pretax return on assets | 1.3033% | 2,364 |
| Return on Equity (ROE) | 11.3289% | 1,675 |
| Retained earnings to average equity (ytd only) | 0.8798% | 5,530 |
| Net charge-offs to loans | 0.2453% | 1,568 |
| Credit loss provision to net charge-offs | 8.7041% | 3,719 |
| Earnings coverage of net charge-offs (x) | 10.1818% | 2,576 |
| Efficiency ratio | 75.0640% | 2,653 |
| Assets per employee ($millions) | 3.1852% | 5,459 |
| Cash dividends to net income (ytd only)* | 92.2342% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1597% | 1,006 |
| Loan loss allowance to noncurrent loans | 202.7615% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 4,195 |
| Noncurrent loans to loans | 1.0652% | 2,942 |
| Net loans and leases to total assets | 51.0141% | 4,891 |
| Net loans and leases to deposits | 58.3647% | 5,076 |
| Net loans and leases to core deposits | 58.9521% | 5,270 |
| Total domestic deposits to total assets | 87.4058% | 2,089 |
| Equity capital to assets | 8.4947% | 5,801 |
| Core capital (leverage) ratio | 8.4784% | 5,676 |
| Tier 1 risk-based capital ratio | 13.3738% | 4,622 |
| Total risk-based capital ratio | 14.6304% | 4,555 |
| Memoranda: | ||
| Average total assets | $558,243,000 | 1,201 |
| Average earning assets | $532,187,500 | 1,148 |
| Average equity | $46,828,750 | 1,542 |
| Average total loans | $280,956,250 | 1,523 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2354% | 5,898 |
| Cost of funding earning assets | 0.0877% | 6,511 |
| Net interest margin | 3.1477% | 5,100 |
| Noninterest income to average assets | 1.8885% | 376 |
| Noninterest expense to average assets | 3.7742% | 1,003 |
| Loan and lease loss provision to assets | 0.0079% | 4,080 |
| Net operating income to assets | 0.8137% | 3,263 |
| Return on assets (ROA) | 0.8192% | 3,334 |
| Pretax return on assets | 1.1173% | 3,022 |
| Return on Equity (ROE) | 9.8063% | 2,241 |
| Retained earnings to average equity (ytd only) | -2.0451% | 5,997 |
| Net charge-offs to loans | 0.3809% | 1,058 |
| Credit loss provision to net charge-offs | 4.1509% | 3,368 |
| Earnings coverage of net charge-offs (x) | 5.9000% | 2,851 |
| Efficiency ratio | 77.1535% | 2,432 |
| Assets per employee ($millions) | 3.2297% | 5,377 |
| Cash dividends to net income (ytd only)* | 120.8551% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2065% | 1,015 |
| Loan loss allowance to noncurrent loans | 111.4004% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.0085% | 3,051 |
| Noncurrent loans to loans | 1.9807% | 1,703 |
| Net loans and leases to total assets | 49.7943% | 4,984 |
| Net loans and leases to deposits | 56.6467% | 5,143 |
| Net loans and leases to core deposits | 57.2147% | 5,323 |
| Total domestic deposits to total assets | 87.9032% | 1,962 |
| Equity capital to assets | 8.4044% | 5,879 |
| Core capital (leverage) ratio | 8.2443% | 5,896 |
| Tier 1 risk-based capital ratio | 13.4934% | 4,588 |
| Total risk-based capital ratio | 14.7504% | 4,524 |
| Memoranda: | ||
| Average total assets | $559,585,000 | 1,191 |
| Average earning assets | $533,907,000 | 1,136 |
| Average equity | $46,745,330 | 1,535 |
| Average total loans | $278,285,000 | 1,533 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1740% | 6,043 |
| Cost of funding earning assets | 0.0931% | 6,582 |
| Net interest margin | 3.0809% | 5,308 |
| Noninterest income to average assets | 1.8223% | 392 |
| Noninterest expense to average assets | 3.6652% | 1,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8113% | 3,102 |
| Return on assets (ROA) | 0.8160% | 3,145 |
| Pretax return on assets | 1.1015% | 2,891 |
| Return on Equity (ROE) | 9.7975% | 2,113 |
| Retained earnings to average equity (ytd only) | 0.4178% | 5,412 |
| Net charge-offs to loans | 0.1618% | 1,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 13.7679% | 1,651 |
| Efficiency ratio | 76.9954% | 2,651 |
| Assets per employee ($millions) | 3.3160% | 5,317 |
| Cash dividends to net income (ytd only)* | 95.7354% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4359% | 869 |
| Loan loss allowance to noncurrent loans | 109.5056% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.0780% | 3,100 |
| Noncurrent loans to loans | 2.2244% | 1,625 |
| Net loans and leases to total assets | 46.0879% | 5,327 |
| Net loans and leases to deposits | 52.8103% | 5,400 |
| Net loans and leases to core deposits | 53.3232% | 5,543 |
| Total domestic deposits to total assets | 87.2706% | 2,653 |
| Equity capital to assets | 8.1853% | 5,916 |
| Core capital (leverage) ratio | 8.1830% | 5,965 |
| Tier 1 risk-based capital ratio | 14.1582% | 4,221 |
| Total risk-based capital ratio | 15.4178% | 4,163 |
| Memoranda: | ||
| Average total assets | $563,237,500 | 1,183 |
| Average earning assets | $537,113,000 | 1,139 |
| Average equity | $46,910,000 | 1,525 |
| Average total loans | $276,823,000 | 1,549 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5732% | 5,475 |
| Cost of funding earning assets | 0.1224% | 6,630 |
| Net interest margin | 3.4508% | 4,098 |
| Noninterest income to average assets | 2.1569% | 354 |
| Noninterest expense to average assets | 3.8758% | 1,023 |
| Loan and lease loss provision to assets | 0.0033% | 5,044 |
| Net operating income to assets | 1.1441% | 1,782 |
| Return on assets (ROA) | 1.1560% | 1,797 |
| Pretax return on assets | 1.5828% | 1,215 |
| Return on Equity (ROE) | 13.7550% | 1,004 |
| Retained earnings to average equity (ytd only) | 5.6047% | 2,215 |
| Net charge-offs to loans | -0.0199% | 6,142 |
| Credit loss provision to net charge-offs | -31.5789% | 5,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1732% | 3,633 |
| Assets per employee ($millions) | 3.1410% | 5,602 |
| Cash dividends to net income (ytd only)* | 59.2534% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3750% | 955 |
| Loan loss allowance to noncurrent loans | 394.1867% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 5,338 |
| Noncurrent loans to loans | 0.6025% | 4,475 |
| Net loans and leases to total assets | 49.9162% | 5,090 |
| Net loans and leases to deposits | 56.6116% | 5,245 |
| Net loans and leases to core deposits | 57.2355% | 5,447 |
| Total domestic deposits to total assets | 88.1732% | 2,074 |
| Equity capital to assets | 8.4774% | 5,601 |
| Core capital (leverage) ratio | 8.4524% | 5,722 |
| Tier 1 risk-based capital ratio | 13.8549% | 4,394 |
| Total risk-based capital ratio | 15.1142% | 4,330 |
| Memoranda: | ||
| Average total assets | $544,535,400 | 1,218 |
| Average earning assets | $518,946,200 | 1,169 |
| Average equity | $45,765,200 | 1,531 |
| Average total loans | $285,793,400 | 1,482 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6210% | 5,383 |
| Cost of funding earning assets | 0.1275% | 6,709 |
| Net interest margin | 3.4935% | 3,909 |
| Noninterest income to average assets | 2.0550% | 404 |
| Noninterest expense to average assets | 3.8672% | 1,005 |
| Loan and lease loss provision to assets | 0.0007% | 4,933 |
| Net operating income to assets | 1.1065% | 1,982 |
| Return on assets (ROA) | 1.1225% | 1,993 |
| Pretax return on assets | 1.5369% | 1,506 |
| Return on Equity (ROE) | 13.3856% | 1,140 |
| Retained earnings to average equity (ytd only) | 5.5014% | 2,725 |
| Net charge-offs to loans | -0.0372% | 6,218 |
| Credit loss provision to net charge-offs | -3.7500% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8415% | 3,436 |
| Assets per employee ($millions) | 3.1806% | 5,534 |
| Cash dividends to net income (ytd only)* | 58.9009% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4002% | 1,050 |
| Loan loss allowance to noncurrent loans | 400.0595% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 5,467 |
| Noncurrent loans to loans | 0.6000% | 4,696 |
| Net loans and leases to total assets | 51.1471% | 4,991 |
| Net loans and leases to deposits | 58.0969% | 5,181 |
| Net loans and leases to core deposits | 58.7765% | 5,382 |
| Total domestic deposits to total assets | 88.0376% | 2,108 |
| Equity capital to assets | 8.6291% | 5,595 |
| Core capital (leverage) ratio | 8.6107% | 5,645 |
| Tier 1 risk-based capital ratio | 13.6173% | 4,677 |
| Total risk-based capital ratio | 14.8767% | 4,632 |
| Memoranda: | ||
| Average total assets | $542,466,250 | 1,237 |
| Average earning assets | $516,755,250 | 1,188 |
| Average equity | $45,490,500 | 1,550 |
| Average total loans | $286,577,750 | 1,483 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6208% | 5,371 |
| Cost of funding earning assets | 0.1328% | 6,752 |
| Net interest margin | 3.4880% | 3,824 |
| Noninterest income to average assets | 2.0151% | 440 |
| Noninterest expense to average assets | 3.9602% | 905 |
| Loan and lease loss provision to assets | 0.0004% | 4,784 |
| Net operating income to assets | 1.0162% | 2,262 |
| Return on assets (ROA) | 1.0422% | 2,266 |
| Pretax return on assets | 1.4135% | 1,882 |
| Return on Equity (ROE) | 12.5473% | 1,348 |
| Retained earnings to average equity (ytd only) | 4.6417% | 3,300 |
| Net charge-offs to loans | -0.0561% | 6,307 |
| Credit loss provision to net charge-offs | -1.2346% | 5,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1771% | 3,091 |
| Assets per employee ($millions) | 3.1281% | 5,621 |
| Cash dividends to net income (ytd only)* | 63.0060% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3310% | 1,211 |
| Loan loss allowance to noncurrent loans | 278.2609% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 5,021 |
| Noncurrent loans to loans | 0.8377% | 4,241 |
| Net loans and leases to total assets | 52.6377% | 4,784 |
| Net loans and leases to deposits | 60.1994% | 4,957 |
| Net loans and leases to core deposits | 60.9755% | 5,175 |
| Total domestic deposits to total assets | 87.4389% | 2,570 |
| Equity capital to assets | 8.5273% | 5,742 |
| Core capital (leverage) ratio | 8.1726% | 6,035 |
| Tier 1 risk-based capital ratio | 13.2421% | 4,965 |
| Total risk-based capital ratio | 14.5013% | 4,898 |
| Memoranda: | ||
| Average total assets | $545,177,330 | 1,232 |
| Average earning assets | $519,499,670 | 1,188 |
| Average equity | $45,284,670 | 1,563 |
| Average total loans | $288,764,670 | 1,461 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6622% | 5,277 |
| Cost of funding earning assets | 0.1374% | 6,827 |
| Net interest margin | 3.5248% | 3,596 |
| Noninterest income to average assets | 1.7859% | 506 |
| Noninterest expense to average assets | 3.6626% | 1,312 |
| Loan and lease loss provision to assets | 0.0007% | 4,406 |
| Net operating income to assets | 1.0947% | 1,877 |
| Return on assets (ROA) | 1.0990% | 1,963 |
| Pretax return on assets | 1.4857% | 1,600 |
| Return on Equity (ROE) | 13.4041% | 1,076 |
| Retained earnings to average equity (ytd only) | 5.8687% | 2,751 |
| Net charge-offs to loans | -0.1052% | 6,469 |
| Credit loss provision to net charge-offs | -1.3158% | 4,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2125% | 3,758 |
| Assets per employee ($millions) | 3.2007% | 5,621 |
| Cash dividends to net income (ytd only)* | 56.2169% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3634% | 1,311 |
| Loan loss allowance to noncurrent loans | 270.5479% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 5,181 |
| Noncurrent loans to loans | 0.8736% | 4,386 |
| Net loans and leases to total assets | 50.0991% | 4,980 |
| Net loans and leases to deposits | 57.1060% | 5,129 |
| Net loans and leases to core deposits | 57.8439% | 5,356 |
| Total domestic deposits to total assets | 87.7299% | 2,502 |
| Equity capital to assets | 8.2042% | 6,245 |
| Core capital (leverage) ratio | 8.0062% | 6,137 |
| Tier 1 risk-based capital ratio | 13.3986% | 4,940 |
| Total risk-based capital ratio | 14.5869% | 4,934 |
| Memoranda: | ||
| Average total assets | $550,312,500 | 1,229 |
| Average earning assets | $524,166,000 | 1,180 |
| Average equity | $45,120,500 | 1,585 |
| Average total loans | $289,005,500 | 1,466 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9349% | 5,479 |
| Cost of funding earning assets | 0.2193% | 6,781 |
| Net interest margin | 3.7157% | 3,581 |
| Noninterest income to average assets | 2.0335% | 425 |
| Noninterest expense to average assets | 3.7890% | 1,273 |
| Loan and lease loss provision to assets | 0.1432% | 3,815 |
| Net operating income to assets | 1.2178% | 1,541 |
| Return on assets (ROA) | 1.2177% | 1,708 |
| Pretax return on assets | 1.6289% | 1,309 |
| Return on Equity (ROE) | 14.7470% | 859 |
| Retained earnings to average equity (ytd only) | 6.6157% | 1,759 |
| Net charge-offs to loans | 0.1282% | 4,399 |
| Credit loss provision to net charge-offs | 198.4169% | 1,312 |
| Earnings coverage of net charge-offs (x) | 24.5515% | 1,169 |
| Efficiency ratio | 68.1314% | 4,120 |
| Assets per employee ($millions) | 3.1613% | 5,710 |
| Cash dividends to net income (ytd only)* | 55.1384% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2587% | 1,442 |
| Loan loss allowance to noncurrent loans | 136.0246% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.9172% | 4,201 |
| Noncurrent loans to loans | 1.6605% | 3,137 |
| Net loans and leases to total assets | 52.5227% | 4,838 |
| Net loans and leases to deposits | 60.2378% | 5,002 |
| Net loans and leases to core deposits | 61.1140% | 5,261 |
| Total domestic deposits to total assets | 87.1923% | 2,710 |
| Equity capital to assets | 8.1939% | 6,285 |
| Core capital (leverage) ratio | 8.1032% | 6,087 |
| Tier 1 risk-based capital ratio | 13.0300% | 5,084 |
| Total risk-based capital ratio | 14.2890% | 5,020 |
| Memoranda: | ||
| Average total assets | $525,013,200 | 1,268 |
| Average earning assets | $498,485,000 | 1,220 |
| Average equity | $43,351,200 | 1,606 |
| Average total loans | $295,540,600 | 1,420 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 5,522 |
| Cost of funding earning assets | 0.2375% | 6,855 |
| Net interest margin | 3.7607% | 3,505 |
| Noninterest income to average assets | 1.9006% | 449 |
| Noninterest expense to average assets | 3.7140% | 1,345 |
| Loan and lease loss provision to assets | 0.1032% | 4,288 |
| Net operating income to assets | 1.2405% | 1,602 |
| Return on assets (ROA) | 1.2403% | 1,773 |
| Pretax return on assets | 1.6504% | 1,409 |
| Return on Equity (ROE) | 14.9906% | 903 |
| Retained earnings to average equity (ytd only) | 6.7711% | 2,239 |
| Net charge-offs to loans | 0.1392% | 4,000 |
| Credit loss provision to net charge-offs | 130.0971% | 2,215 |
| Earnings coverage of net charge-offs (x) | 22.1165% | 1,365 |
| Efficiency ratio | 67.9245% | 4,080 |
| Assets per employee ($millions) | 3.0945% | 5,866 |
| Cash dividends to net income (ytd only)* | 54.8314% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1642% | 1,775 |
| Loan loss allowance to noncurrent loans | 150.8065% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.8129% | 4,670 |
| Noncurrent loans to loans | 1.4351% | 3,653 |
| Net loans and leases to total assets | 53.6873% | 4,797 |
| Net loans and leases to deposits | 61.4413% | 5,032 |
| Net loans and leases to core deposits | 62.2502% | 5,333 |
| Total domestic deposits to total assets | 87.3798% | 2,443 |
| Equity capital to assets | 8.2521% | 6,459 |
| Core capital (leverage) ratio | 8.2205% | 6,117 |
| Tier 1 risk-based capital ratio | 12.7452% | 5,446 |
| Total risk-based capital ratio | 14.0030% | 5,402 |
| Memoranda: | ||
| Average total assets | $519,540,000 | 1,302 |
| Average earning assets | $492,798,500 | 1,251 |
| Average equity | $42,985,750 | 1,632 |
| Average total loans | $295,953,750 | 1,432 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 5,615 |
| Cost of funding earning assets | 0.2557% | 6,892 |
| Net interest margin | 3.7533% | 3,573 |
| Noninterest income to average assets | 1.9165% | 426 |
| Noninterest expense to average assets | 3.7630% | 1,269 |
| Loan and lease loss provision to assets | 0.0786% | 4,626 |
| Net operating income to assets | 1.2313% | 1,606 |
| Return on assets (ROA) | 1.2324% | 1,793 |
| Pretax return on assets | 1.6334% | 1,441 |
| Return on Equity (ROE) | 14.8820% | 955 |
| Retained earnings to average equity (ytd only) | 6.6638% | 2,293 |
| Net charge-offs to loans | 0.1126% | 4,051 |
| Credit loss provision to net charge-offs | 120.9581% | 2,272 |
| Earnings coverage of net charge-offs (x) | 26.3353% | 1,167 |
| Efficiency ratio | 68.7509% | 3,980 |
| Assets per employee ($millions) | 3.0408% | 5,978 |
| Cash dividends to net income (ytd only)* | 55.2225% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1477% | 1,895 |
| Loan loss allowance to noncurrent loans | 124.7031% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 4,430 |
| Noncurrent loans to loans | 1.7223% | 3,311 |
| Net loans and leases to total assets | 55.2021% | 4,597 |
| Net loans and leases to deposits | 63.4701% | 4,830 |
| Net loans and leases to core deposits | 64.5304% | 5,153 |
| Total domestic deposits to total assets | 86.9734% | 2,782 |
| Equity capital to assets | 8.3183% | 6,365 |
| Core capital (leverage) ratio | 8.1549% | 6,089 |
| Tier 1 risk-based capital ratio | 12.6473% | 5,456 |
| Total risk-based capital ratio | 13.9052% | 5,428 |
| Memoranda: | ||
| Average total assets | $514,268,000 | 1,315 |
| Average earning assets | $487,361,000 | 1,266 |
| Average equity | $42,588,330 | 1,638 |
| Average total loans | $296,679,670 | 1,433 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0717% | 5,548 |
| Cost of funding earning assets | 0.2804% | 6,904 |
| Net interest margin | 3.7913% | 3,430 |
| Noninterest income to average assets | 1.8435% | 467 |
| Noninterest expense to average assets | 3.6847% | 1,406 |
| Loan and lease loss provision to assets | 0.0954% | 4,159 |
| Net operating income to assets | 1.2686% | 1,543 |
| Return on assets (ROA) | 1.2686% | 1,714 |
| Pretax return on assets | 1.6589% | 1,407 |
| Return on Equity (ROE) | 15.3540% | 915 |
| Retained earnings to average equity (ytd only) | 7.5445% | 2,156 |
| Net charge-offs to loans | 0.1528% | 3,176 |
| Credit loss provision to net charge-offs | 107.0175% | 2,174 |
| Earnings coverage of net charge-offs (x) | 19.6754% | 1,218 |
| Efficiency ratio | 67.7452% | 4,215 |
| Assets per employee ($millions) | 3.0636% | 6,034 |
| Cash dividends to net income (ytd only)* | 50.8631% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1432% | 2,005 |
| Loan loss allowance to noncurrent loans | 138.0502% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.8867% | 4,755 |
| Noncurrent loans to loans | 1.5525% | 3,783 |
| Net loans and leases to total assets | 54.9955% | 4,554 |
| Net loans and leases to deposits | 63.1164% | 4,754 |
| Net loans and leases to core deposits | 64.1891% | 5,090 |
| Total domestic deposits to total assets | 87.1335% | 2,878 |
| Equity capital to assets | 8.1761% | 6,387 |
| Core capital (leverage) ratio | 8.1536% | 6,092 |
| Tier 1 risk-based capital ratio | 12.6022% | 5,517 |
| Total risk-based capital ratio | 13.8601% | 5,484 |
| Memoranda: | ||
| Average total assets | $511,414,500 | 1,326 |
| Average earning assets | $485,002,500 | 1,280 |
| Average equity | $42,256,000 | 1,642 |
| Average total loans | $298,351,000 | 1,424 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 4,603 |
| Cost of funding earning assets | 0.4434% | 6,754 |
| Net interest margin | 4.1741% | 2,140 |
| Noninterest income to average assets | 2.0353% | 366 |
| Noninterest expense to average assets | 3.9581% | 1,101 |
| Loan and lease loss provision to assets | 0.3646% | 2,812 |
| Net operating income to assets | 1.2312% | 1,426 |
| Return on assets (ROA) | 1.2473% | 1,487 |
| Pretax return on assets | 1.6804% | 1,034 |
| Return on Equity (ROE) | 14.8894% | 761 |
| Retained earnings to average equity (ytd only) | 6.2528% | 1,878 |
| Net charge-offs to loans | 0.4316% | 3,276 |
| Credit loss provision to net charge-offs | 133.8392% | 2,261 |
| Earnings coverage of net charge-offs (x) | 7.4264% | 2,340 |
| Efficiency ratio | 66.1736% | 4,738 |
| Assets per employee ($millions) | 2.9531% | 6,190 |
| Cash dividends to net income (ytd only)* | 58.0046% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0608% | 2,101 |
| Loan loss allowance to noncurrent loans | 142.1925% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 4,692 |
| Noncurrent loans to loans | 1.4493% | 3,992 |
| Net loans and leases to total assets | 59.3089% | 4,132 |
| Net loans and leases to deposits | 68.1086% | 4,434 |
| Net loans and leases to core deposits | 69.4486% | 4,857 |
| Total domestic deposits to total assets | 87.0800% | 2,718 |
| Equity capital to assets | 8.3523% | 6,303 |
| Core capital (leverage) ratio | 8.1540% | 6,066 |
| Tier 1 risk-based capital ratio | 12.1012% | 5,760 |
| Total risk-based capital ratio | 13.3587% | 5,737 |
| Memoranda: | ||
| Average total assets | $483,761,800 | 1,379 |
| Average earning assets | $457,348,600 | 1,335 |
| Average equity | $40,525,600 | 1,663 |
| Average total loans | $305,365,400 | 1,390 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6897% | 4,506 |
| Cost of funding earning assets | 0.4725% | 6,805 |
| Net interest margin | 4.2172% | 2,036 |
| Noninterest income to average assets | 1.9771% | 386 |
| Noninterest expense to average assets | 3.9343% | 1,095 |
| Loan and lease loss provision to assets | 0.3228% | 2,952 |
| Net operating income to assets | 1.2597% | 1,486 |
| Return on assets (ROA) | 1.2813% | 1,530 |
| Pretax return on assets | 1.7354% | 1,072 |
| Return on Equity (ROE) | 15.2830% | 791 |
| Retained earnings to average equity (ytd only) | 6.6541% | 2,163 |
| Net charge-offs to loans | 0.4231% | 3,029 |
| Credit loss provision to net charge-offs | 119.5876% | 2,726 |
| Earnings coverage of net charge-offs (x) | 7.5175% | 2,351 |
| Efficiency ratio | 65.9761% | 4,725 |
| Assets per employee ($millions) | 2.9273% | 6,262 |
| Cash dividends to net income (ytd only)* | 56.4603% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 2,521 |
| Loan loss allowance to noncurrent loans | 229.7018% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 5,527 |
| Noncurrent loans to loans | 0.8421% | 5,190 |
| Net loans and leases to total assets | 62.3161% | 3,646 |
| Net loans and leases to deposits | 72.0280% | 3,987 |
| Net loans and leases to core deposits | 73.7048% | 4,498 |
| Total domestic deposits to total assets | 86.5165% | 2,924 |
| Equity capital to assets | 8.5069% | 6,286 |
| Core capital (leverage) ratio | 8.2839% | 5,998 |
| Tier 1 risk-based capital ratio | 11.7351% | 6,079 |
| Total risk-based capital ratio | 12.9913% | 6,071 |
| Memoranda: | ||
| Average total assets | $479,197,500 | 1,393 |
| Average earning assets | $452,923,500 | 1,353 |
| Average equity | $40,174,500 | 1,676 |
| Average total loans | $305,705,000 | 1,403 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7107% | 4,491 |
| Cost of funding earning assets | 0.4961% | 6,856 |
| Net interest margin | 4.2146% | 1,974 |
| Noninterest income to average assets | 2.0018% | 360 |
| Noninterest expense to average assets | 4.0195% | 1,020 |
| Loan and lease loss provision to assets | 0.2748% | 3,186 |
| Net operating income to assets | 1.2425% | 1,455 |
| Return on assets (ROA) | 1.2732% | 1,454 |
| Pretax return on assets | 1.7333% | 985 |
| Return on Equity (ROE) | 15.2629% | 751 |
| Retained earnings to average equity (ytd only) | 6.4477% | 2,173 |
| Net charge-offs to loans | 0.4769% | 2,668 |
| Credit loss provision to net charge-offs | 90.2069% | 3,449 |
| Earnings coverage of net charge-offs (x) | 6.4538% | 2,393 |
| Efficiency ratio | 67.1534% | 4,671 |
| Assets per employee ($millions) | 2.8542% | 6,377 |
| Cash dividends to net income (ytd only)* | 57.7558% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8669% | 2,773 |
| Loan loss allowance to noncurrent loans | 116.4506% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 1.0540% | 4,779 |
| Noncurrent loans to loans | 1.6032% | 3,988 |
| Net loans and leases to total assets | 63.0117% | 3,675 |
| Net loans and leases to deposits | 72.9744% | 3,961 |
| Net loans and leases to core deposits | 74.7832% | 4,471 |
| Total domestic deposits to total assets | 86.3477% | 3,129 |
| Equity capital to assets | 8.4229% | 6,276 |
| Core capital (leverage) ratio | 8.1432% | 6,108 |
| Tier 1 risk-based capital ratio | 11.6505% | 6,051 |
| Total risk-based capital ratio | 12.9060% | 6,039 |
| Memoranda: | ||
| Average total assets | $475,979,670 | 1,410 |
| Average earning assets | $449,912,000 | 1,362 |
| Average equity | $39,704,000 | 1,684 |
| Average total loans | $304,059,330 | 1,420 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7436% | 4,318 |
| Cost of funding earning assets | 0.5060% | 6,950 |
| Net interest margin | 4.2375% | 1,791 |
| Noninterest income to average assets | 1.9966% | 353 |
| Noninterest expense to average assets | 3.9703% | 1,074 |
| Loan and lease loss provision to assets | 0.1738% | 3,888 |
| Net operating income to assets | 1.3665% | 1,127 |
| Return on assets (ROA) | 1.3665% | 1,177 |
| Pretax return on assets | 1.8574% | 732 |
| Return on Equity (ROE) | 16.4626% | 629 |
| Retained earnings to average equity (ytd only) | 7.5708% | 1,910 |
| Net charge-offs to loans | 0.2965% | 2,868 |
| Credit loss provision to net charge-offs | 91.9643% | 2,904 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 1,609 |
| Efficiency ratio | 66.1560% | 5,008 |
| Assets per employee ($millions) | 2.8716% | 6,404 |
| Cash dividends to net income (ytd only)* | 54.0123% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9331% | 2,585 |
| Loan loss allowance to noncurrent loans | 158.2379% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.7599% | 5,401 |
| Noncurrent loans to loans | 1.2216% | 4,640 |
| Net loans and leases to total assets | 61.0014% | 4,080 |
| Net loans and leases to deposits | 70.2784% | 4,308 |
| Net loans and leases to core deposits | 72.0495% | 4,780 |
| Total domestic deposits to total assets | 86.7996% | 3,058 |
| Equity capital to assets | 8.2471% | 6,230 |
| Core capital (leverage) ratio | 8.1491% | 6,055 |
| Tier 1 risk-based capital ratio | 11.7242% | 5,917 |
| Total risk-based capital ratio | 12.9803% | 5,915 |
| Memoranda: | ||
| Average total assets | $474,218,000 | 1,428 |
| Average earning assets | $448,184,500 | 1,381 |
| Average equity | $39,362,000 | 1,686 |
| Average total loans | $302,143,500 | 1,452 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9580% | 4,750 |
| Cost of funding earning assets | 0.7508% | 6,732 |
| Net interest margin | 4.2073% | 2,154 |
| Noninterest income to average assets | 2.0204% | 388 |
| Noninterest expense to average assets | 4.1394% | 970 |
| Loan and lease loss provision to assets | 0.2655% | 4,675 |
| Net operating income to assets | 1.1757% | 1,472 |
| Return on assets (ROA) | 1.1757% | 1,546 |
| Pretax return on assets | 1.5839% | 1,166 |
| Return on Equity (ROE) | 14.4063% | 815 |
| Retained earnings to average equity (ytd only) | 5.6268% | 2,036 |
| Net charge-offs to loans | 0.1960% | 5,122 |
| Credit loss provision to net charge-offs | 207.0588% | 1,490 |
| Earnings coverage of net charge-offs (x) | 14.4235% | 1,342 |
| Efficiency ratio | 69.1195% | 4,351 |
| Assets per employee ($millions) | 2.7739% | 6,560 |
| Cash dividends to net income (ytd only)* | 60.9421% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9132% | 2,521 |
| Loan loss allowance to noncurrent loans | 142.9624% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 5,267 |
| Noncurrent loans to loans | 1.3383% | 4,483 |
| Net loans and leases to total assets | 64.0285% | 3,871 |
| Net loans and leases to deposits | 73.3203% | 4,308 |
| Net loans and leases to core deposits | 75.1716% | 4,834 |
| Total domestic deposits to total assets | 87.3271% | 2,650 |
| Equity capital to assets | 8.3556% | 6,065 |
| Core capital (leverage) ratio | 8.0050% | 6,196 |
| Tier 1 risk-based capital ratio | 11.5243% | 5,886 |
| Total risk-based capital ratio | 12.7806% | 5,889 |
| Memoranda: | ||
| Average total assets | $464,058,200 | 1,437 |
| Average earning assets | $437,695,200 | 1,392 |
| Average equity | $37,872,400 | 1,736 |
| Average total loans | $303,575,000 | 1,483 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 5,004 |
| Cost of funding earning assets | 0.7980% | 6,772 |
| Net interest margin | 4.1592% | 2,365 |
| Noninterest income to average assets | 1.8727% | 419 |
| Noninterest expense to average assets | 4.0994% | 935 |
| Loan and lease loss provision to assets | 0.2209% | 4,851 |
| Net operating income to assets | 1.1021% | 1,878 |
| Return on assets (ROA) | 1.1021% | 1,983 |
| Pretax return on assets | 1.4737% | 1,671 |
| Return on Equity (ROE) | 13.5862% | 1,128 |
| Retained earnings to average equity (ytd only) | 4.8112% | 3,119 |
| Net charge-offs to loans | 0.2522% | 4,434 |
| Credit loss provision to net charge-offs | 133.7979% | 3,019 |
| Earnings coverage of net charge-offs (x) | 10.2649% | 1,906 |
| Efficiency ratio | 70.7520% | 3,929 |
| Assets per employee ($millions) | 2.8344% | 6,524 |
| Cash dividends to net income (ytd only)* | 64.5877% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 2,914 |
| Loan loss allowance to noncurrent loans | 141.6118% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 5,494 |
| Noncurrent loans to loans | 1.2467% | 4,766 |
| Net loans and leases to total assets | 63.2065% | 4,275 |
| Net loans and leases to deposits | 72.6506% | 4,746 |
| Net loans and leases to core deposits | 74.5788% | 5,221 |
| Total domestic deposits to total assets | 87.0006% | 2,531 |
| Equity capital to assets | 8.1626% | 6,655 |
| Core capital (leverage) ratio | 7.8952% | 6,474 |
| Tier 1 risk-based capital ratio | 11.4897% | 5,947 |
| Total risk-based capital ratio | 12.7445% | 5,927 |
| Memoranda: | ||
| Average total assets | $463,570,000 | 1,461 |
| Average earning assets | $437,059,500 | 1,409 |
| Average equity | $37,606,000 | 1,771 |
| Average total loans | $303,418,750 | 1,499 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9493% | 5,181 |
| Cost of funding earning assets | 0.8412% | 6,782 |
| Net interest margin | 4.1081% | 2,517 |
| Noninterest income to average assets | 1.8427% | 401 |
| Noninterest expense to average assets | 4.1763% | 833 |
| Loan and lease loss provision to assets | 0.1573% | 5,322 |
| Net operating income to assets | 1.0445% | 2,032 |
| Return on assets (ROA) | 1.0445% | 2,104 |
| Pretax return on assets | 1.3812% | 1,884 |
| Return on Equity (ROE) | 12.9031% | 1,264 |
| Retained earnings to average equity (ytd only) | 3.2419% | 4,040 |
| Net charge-offs to loans | 0.1010% | 5,136 |
| Credit loss provision to net charge-offs | 236.6013% | 1,628 |
| Earnings coverage of net charge-offs (x) | 23.1438% | 1,113 |
| Efficiency ratio | 73.0784% | 3,644 |
| Assets per employee ($millions) | 2.6566% | 6,850 |
| Cash dividends to net income (ytd only)* | 74.8752% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 2,959 |
| Loan loss allowance to noncurrent loans | 204.1651% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 6,064 |
| Noncurrent loans to loans | 0.8483% | 5,569 |
| Net loans and leases to total assets | 65.4308% | 3,954 |
| Net loans and leases to deposits | 75.9749% | 4,340 |
| Net loans and leases to core deposits | 77.7984% | 4,986 |
| Total domestic deposits to total assets | 86.1215% | 3,017 |
| Equity capital to assets | 8.0519% | 6,695 |
| Core capital (leverage) ratio | 7.8321% | 6,461 |
| Tier 1 risk-based capital ratio | 11.1667% | 6,076 |
| Total risk-based capital ratio | 12.4215% | 6,060 |
| Memoranda: | ||
| Average total assets | $460,312,000 | 1,484 |
| Average earning assets | $433,878,330 | 1,432 |
| Average equity | $37,262,330 | 1,785 |
| Average total loans | $303,038,000 | 1,513 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8906% | 5,504 |
| Cost of funding earning assets | 0.8679% | 6,879 |
| Net interest margin | 4.0227% | 2,777 |
| Noninterest income to average assets | 1.8393% | 384 |
| Noninterest expense to average assets | 4.1429% | 863 |
| Loan and lease loss provision to assets | 0.1804% | 4,720 |
| Net operating income to assets | 0.9827% | 2,248 |
| Return on assets (ROA) | 0.9827% | 2,308 |
| Pretax return on assets | 1.3077% | 2,031 |
| Return on Equity (ROE) | 12.1070% | 1,472 |
| Retained earnings to average equity (ytd only) | 2.3955% | 4,703 |
| Net charge-offs to loans | 0.1459% | 4,059 |
| Credit loss provision to net charge-offs | 188.9908% | 1,944 |
| Earnings coverage of net charge-offs (x) | 15.5872% | 1,374 |
| Efficiency ratio | 73.5729% | 3,645 |
| Assets per employee ($millions) | 2.6519% | 6,953 |
| Cash dividends to net income (ytd only)* | 80.2139% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7617% | 2,856 |
| Loan loss allowance to noncurrent loans | 197.1621% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5770% | 6,061 |
| Noncurrent loans to loans | 0.8935% | 5,534 |
| Net loans and leases to total assets | 63.4435% | 4,439 |
| Net loans and leases to deposits | 73.3395% | 4,849 |
| Net loans and leases to core deposits | 75.0245% | 5,383 |
| Total domestic deposits to total assets | 86.5066% | 2,891 |
| Equity capital to assets | 8.0216% | 6,631 |
| Core capital (leverage) ratio | 7.9159% | 6,361 |
| Tier 1 risk-based capital ratio | 10.8936% | 6,256 |
| Total risk-based capital ratio | 12.0282% | 6,349 |
| Memoranda: | ||
| Average total assets | $456,685,000 | 1,539 |
| Average earning assets | $430,462,500 | 1,483 |
| Average equity | $37,069,500 | 1,814 |
| Average total loans | $298,895,000 | 1,570 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5244% | 4,019 |
| Cost of funding earning assets | 1.0538% | 7,089 |
| Net interest margin | 4.4706% | 1,237 |
| Noninterest income to average assets | 1.8577% | 431 |
| Noninterest expense to average assets | 4.2121% | 1,085 |
| Loan and lease loss provision to assets | 0.2647% | 5,290 |
| Net operating income to assets | 1.1246% | 1,450 |
| Return on assets (ROA) | 1.1246% | 1,486 |
| Pretax return on assets | 1.5301% | 1,116 |
| Return on Equity (ROE) | 13.6010% | 854 |
| Retained earnings to average equity (ytd only) | 4.2662% | 2,239 |
| Net charge-offs to loans | 0.0618% | 6,485 |
| Credit loss provision to net charge-offs | 627.8689% | 465 |
| Earnings coverage of net charge-offs (x) | 42.5683% | 587 |
| Efficiency ratio | 70.1212% | 4,598 |
| Assets per employee ($millions) | 2.5673% | 7,094 |
| Cash dividends to net income (ytd only)* | 68.6335% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7388% | 2,753 |
| Loan loss allowance to noncurrent loans | 131.1488% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.8796% | 5,347 |
| Noncurrent loans to loans | 1.3258% | 4,706 |
| Net loans and leases to total assets | 65.1914% | 4,341 |
| Net loans and leases to deposits | 75.0625% | 4,865 |
| Net loans and leases to core deposits | 82.8470% | 5,830 |
| Total domestic deposits to total assets | 86.8495% | 2,583 |
| Equity capital to assets | 8.2158% | 6,328 |
| Core capital (leverage) ratio | 8.1635% | 5,876 |
| Tier 1 risk-based capital ratio | 10.2699% | 6,617 |
| Total risk-based capital ratio | 11.4829% | 6,621 |
| Memoranda: | ||
| Average total assets | $434,032,800 | 1,596 |
| Average earning assets | $402,832,800 | 1,575 |
| Average equity | $35,887,000 | 1,879 |
| Average total loans | $296,023,000 | 1,621 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6123% | 3,793 |
| Cost of funding earning assets | 1.0952% | 7,184 |
| Net interest margin | 4.5171% | 1,152 |
| Noninterest income to average assets | 1.7064% | 502 |
| Noninterest expense to average assets | 4.1637% | 1,069 |
| Loan and lease loss provision to assets | 0.2303% | 5,127 |
| Net operating income to assets | 1.1203% | 1,673 |
| Return on assets (ROA) | 1.1203% | 1,740 |
| Pretax return on assets | 1.4873% | 1,450 |
| Return on Equity (ROE) | 13.5273% | 1,006 |
| Retained earnings to average equity (ytd only) | 4.3594% | 2,836 |
| Net charge-offs to loans | -0.0086% | 7,668 |
| Credit loss provision to net charge-offs | -3,910.5263% | 7,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7962% | 4,455 |
| Assets per employee ($millions) | 2.4932% | 7,237 |
| Cash dividends to net income (ytd only)* | 67.7733% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 2,806 |
| Loan loss allowance to noncurrent loans | 204.0574% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 6,041 |
| Noncurrent loans to loans | 0.8090% | 5,684 |
| Net loans and leases to total assets | 68.7729% | 3,781 |
| Net loans and leases to deposits | 80.7963% | 4,236 |
| Net loans and leases to core deposits | 90.1803% | 5,418 |
| Total domestic deposits to total assets | 85.1189% | 3,167 |
| Equity capital to assets | 8.4617% | 6,293 |
| Core capital (leverage) ratio | 8.3013% | 5,832 |
| Tier 1 risk-based capital ratio | 10.3206% | 6,656 |
| Total risk-based capital ratio | 11.5727% | 6,599 |
| Memoranda: | ||
| Average total assets | $430,220,250 | 1,622 |
| Average earning assets | $397,615,750 | 1,614 |
| Average equity | $35,630,750 | 1,911 |
| Average total loans | $295,509,500 | 1,644 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5779% | 4,176 |
| Cost of funding earning assets | 1.1197% | 7,324 |
| Net interest margin | 4.4582% | 1,267 |
| Noninterest income to average assets | 1.6894% | 513 |
| Noninterest expense to average assets | 4.1828% | 1,091 |
| Loan and lease loss provision to assets | 0.1917% | 5,128 |
| Net operating income to assets | 1.0925% | 1,800 |
| Return on assets (ROA) | 1.0925% | 1,874 |
| Pretax return on assets | 1.4517% | 1,583 |
| Return on Equity (ROE) | 13.2873% | 1,126 |
| Retained earnings to average equity (ytd only) | 3.1011% | 3,589 |
| Net charge-offs to loans | 0.0927% | 5,258 |
| Credit loss provision to net charge-offs | 302.9412% | 1,532 |
| Earnings coverage of net charge-offs (x) | 25.9706% | 1,103 |
| Efficiency ratio | 71.7936% | 4,453 |
| Assets per employee ($millions) | 2.5249% | 7,205 |
| Cash dividends to net income (ytd only)* | 76.6610% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 3,163 |
| Loan loss allowance to noncurrent loans | 258.6644% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 6,461 |
| Noncurrent loans to loans | 0.5819% | 6,095 |
| Net loans and leases to total assets | 67.7054% | 4,205 |
| Net loans and leases to deposits | 80.3006% | 4,499 |
| Net loans and leases to core deposits | 89.7155% | 5,560 |
| Total domestic deposits to total assets | 84.3150% | 3,589 |
| Equity capital to assets | 8.2325% | 6,437 |
| Core capital (leverage) ratio | 8.1557% | 6,066 |
| Tier 1 risk-based capital ratio | 10.3334% | 6,558 |
| Total risk-based capital ratio | 11.5842% | 6,491 |
| Memoranda: | ||
| Average total assets | $429,854,330 | 1,647 |
| Average earning assets | $398,858,670 | 1,627 |
| Average equity | $35,342,000 | 1,922 |
| Average total loans | $293,476,330 | 1,689 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5121% | 4,848 |
| Cost of funding earning assets | 1.1458% | 7,427 |
| Net interest margin | 4.3663% | 1,430 |
| Noninterest income to average assets | 1.6893% | 478 |
| Noninterest expense to average assets | 4.0492% | 1,129 |
| Loan and lease loss provision to assets | 0.1927% | 4,508 |
| Net operating income to assets | 1.1093% | 1,925 |
| Return on assets (ROA) | 1.1093% | 2,054 |
| Pretax return on assets | 1.4928% | 1,685 |
| Return on Equity (ROE) | 13.5014% | 1,267 |
| Retained earnings to average equity (ytd only) | 3.2558% | 4,061 |
| Net charge-offs to loans | 0.1677% | 3,627 |
| Credit loss provision to net charge-offs | 168.8525% | 2,539 |
| Earnings coverage of net charge-offs (x) | 14.7705% | 1,643 |
| Efficiency ratio | 70.6084% | 4,451 |
| Assets per employee ($millions) | 2.4773% | 7,328 |
| Cash dividends to net income (ytd only)* | 75.8853% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 3,035 |
| Loan loss allowance to noncurrent loans | 280.1954% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 6,438 |
| Noncurrent loans to loans | 0.5330% | 6,085 |
| Net loans and leases to total assets | 66.1971% | 4,542 |
| Net loans and leases to deposits | 80.1971% | 4,575 |
| Net loans and leases to core deposits | 89.9286% | 5,558 |
| Total domestic deposits to total assets | 82.5430% | 4,358 |
| Equity capital to assets | 8.2286% | 6,499 |
| Core capital (leverage) ratio | 8.4392% | 5,644 |
| Tier 1 risk-based capital ratio | 10.7456% | 6,145 |
| Total risk-based capital ratio | 11.9964% | 6,049 |
| Memoranda: | ||
| Average total assets | $427,641,500 | 1,663 |
| Average earning assets | $396,216,500 | 1,647 |
| Average equity | $35,137,000 | 1,941 |
| Average total loans | $290,952,500 | 1,706 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1410% | 4,827 |
| Cost of funding earning assets | 1.7752% | 7,075 |
| Net interest margin | 4.3658% | 1,779 |
| Noninterest income to average assets | 1.9240% | 367 |
| Noninterest expense to average assets | 4.2529% | 1,093 |
| Loan and lease loss provision to assets | 0.1831% | 5,065 |
| Net operating income to assets | 1.1046% | 2,128 |
| Return on assets (ROA) | 1.1224% | 1,974 |
| Pretax return on assets | 1.5162% | 1,636 |
| Return on Equity (ROE) | 12.9108% | 1,353 |
| Retained earnings to average equity (ytd only) | 1.3575% | 4,405 |
| Net charge-offs to loans | 0.1107% | 5,167 |
| Credit loss provision to net charge-offs | 222.9358% | 2,140 |
| Earnings coverage of net charge-offs (x) | 20.4006% | 1,574 |
| Efficiency ratio | 71.7426% | 3,983 |
| Assets per employee ($millions) | 2.5100% | 7,189 |
| Cash dividends to net income (ytd only)* | 89.4855% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 3,003 |
| Loan loss allowance to noncurrent loans | 299.2903% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 6,285 |
| Noncurrent loans to loans | 0.4794% | 5,910 |
| Net loans and leases to total assets | 67.8879% | 4,482 |
| Net loans and leases to deposits | 78.2871% | 5,294 |
| Net loans and leases to core deposits | 86.0939% | 6,127 |
| Total domestic deposits to total assets | 86.7166% | 2,084 |
| Equity capital to assets | 8.2043% | 6,543 |
| Core capital (leverage) ratio | 8.4413% | 5,676 |
| Tier 1 risk-based capital ratio | 11.2620% | 5,473 |
| Total risk-based capital ratio | 12.5207% | 5,355 |
| Memoranda: | ||
| Average total assets | $398,241,600 | 1,708 |
| Average earning assets | $365,247,200 | 1,706 |
| Average equity | $34,622,200 | 1,963 |
| Average total loans | $295,434,800 | 1,634 |