Home > Bank of Bridger > Performance and Condition Ratios
Bank of Bridger, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0020% | 3,964 |
| Cost of funding earning assets | 1.4374% | 2,115 |
| Net interest margin | 2.5646% | 4,014 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.8864% | 3,859 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.5487% | 3,571 |
| Return on assets (ROA) | 0.5586% | 3,533 |
| Pretax return on assets | 0.6790% | 3,479 |
| Return on Equity (ROE) | 9.5400% | 2,630 |
| Retained earnings to average equity (ytd only) | 5.5440% | 2,396 |
| Net charge-offs to loans | 0.0313% | 1,668 |
| Credit loss provision to net charge-offs | 114.2857% | 1,721 |
| Earnings coverage of net charge-offs (x) | 48.8667% | 1,305 |
| Efficiency ratio | 71.9347% | 1,668 |
| Assets per employee ($millions) | 5.6895% | 3,085 |
| Cash dividends to net income (ytd only)* | 41.8871% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 619 |
| Loan loss allowance to noncurrent loans | 338.3372% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 2,033 |
| Noncurrent loans to loans | 0.5105% | 1,507 |
| Net loans and leases to total assets | 45.4200% | 3,842 |
| Net loans and leases to deposits | 49.6100% | 3,959 |
| Net loans and leases to core deposits | 53.1050% | 3,999 |
| Total domestic deposits to total assets | 91.5600% | 378 |
| Equity capital to assets | 6.6573% | 4,063 |
| Core capital (leverage) ratio | 9.3593% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2785% | 666 |
| Memoranda: | ||
| Average total assets | $751,361,200 | 1,239 |
| Average earning assets | $706,765,400 | 1,216 |
| Average equity | $43,993,400 | 1,761 |
| Average total loans | $335,472,800 | 1,662 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 3,951 |
| Cost of funding earning assets | 1.3568% | 1,988 |
| Net interest margin | 2.5736% | 4,061 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.8795% | 3,839 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5653% | 3,637 |
| Return on assets (ROA) | 0.5775% | 3,588 |
| Pretax return on assets | 0.7031% | 3,542 |
| Return on Equity (ROE) | 10.2000% | 2,583 |
| Retained earnings to average equity (ytd only) | 6.0561% | 2,610 |
| Net charge-offs to loans | 0.0415% | 1,291 |
| Credit loss provision to net charge-offs | 86.5385% | 1,719 |
| Earnings coverage of net charge-offs (x) | 38.3750% | 1,469 |
| Efficiency ratio | 71.2783% | 1,643 |
| Assets per employee ($millions) | 5.6904% | 3,029 |
| Cash dividends to net income (ytd only)* | 40.6355% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6859% | 723 |
| Loan loss allowance to noncurrent loans | 542.5116% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 2,603 |
| Noncurrent loans to loans | 0.3108% | 2,123 |
| Net loans and leases to total assets | 45.9700% | 3,835 |
| Net loans and leases to deposits | 49.8438% | 3,939 |
| Net loans and leases to core deposits | 54.4758% | 3,911 |
| Total domestic deposits to total assets | 92.2400% | 411 |
| Equity capital to assets | 5.1979% | 4,217 |
| Core capital (leverage) ratio | 9.3085% | 3,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2857% | 786 |
| Memoranda: | ||
| Average total assets | $755,716,000 | 1,234 |
| Average earning assets | $710,471,750 | 1,213 |
| Average equity | $42,776,500 | 1,781 |
| Average total loans | $334,529,000 | 1,663 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8033% | 4,014 |
| Cost of funding earning assets | 1.2184% | 1,933 |
| Net interest margin | 2.5850% | 4,127 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.8522% | 3,903 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.5684% | 3,661 |
| Return on assets (ROA) | 0.5874% | 3,617 |
| Pretax return on assets | 0.7216% | 3,560 |
| Return on Equity (ROE) | 10.1100% | 2,669 |
| Retained earnings to average equity (ytd only) | 6.0247% | 2,612 |
| Net charge-offs to loans | -0.0036% | 3,639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.7015% | 1,698 |
| Assets per employee ($millions) | 5.7006% | 2,968 |
| Cash dividends to net income (ytd only)* | 40.4027% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7198% | 717 |
| Loan loss allowance to noncurrent loans | 500.0846% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 2,448 |
| Noncurrent loans to loans | 0.3439% | 1,903 |
| Net loans and leases to total assets | 44.8900% | 3,846 |
| Net loans and leases to deposits | 50.3433% | 3,909 |
| Net loans and leases to core deposits | 54.5079% | 3,868 |
| Total domestic deposits to total assets | 89.1700% | 1,189 |
| Equity capital to assets | 5.7341% | 4,222 |
| Core capital (leverage) ratio | 9.1257% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5620% | 756 |
| Memoranda: | ||
| Average total assets | $761,035,333 | 1,223 |
| Average earning assets | $716,529,333 | 1,208 |
| Average equity | $44,218,000 | 1,744 |
| Average total loans | $330,729,667 | 1,668 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6797% | 4,058 |
| Cost of funding earning assets | 1.0092% | 2,014 |
| Net interest margin | 2.6705% | 4,111 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.8351% | 3,971 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.6452% | 3,595 |
| Return on assets (ROA) | 0.6460% | 3,554 |
| Pretax return on assets | 0.7986% | 3,467 |
| Return on Equity (ROE) | 11.0500% | 2,479 |
| Retained earnings to average equity (ytd only) | 6.8018% | 2,550 |
| Net charge-offs to loans | -0.0037% | 3,563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.8705% | 1,988 |
| Assets per employee ($millions) | 5.9137% | 2,825 |
| Cash dividends to net income (ytd only)* | 38.4304% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8109% | 651 |
| Loan loss allowance to noncurrent loans | 517.5176% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 2,473 |
| Noncurrent loans to loans | 0.3499% | 1,890 |
| Net loans and leases to total assets | 41.7900% | 3,963 |
| Net loans and leases to deposits | 45.7612% | 4,046 |
| Net loans and leases to core deposits | 49.9795% | 3,991 |
| Total domestic deposits to total assets | 91.3100% | 698 |
| Equity capital to assets | 6.2254% | 4,128 |
| Core capital (leverage) ratio | 8.9575% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0114% | 743 |
| Memoranda: | ||
| Average total assets | $765,312,000 | 1,232 |
| Average earning assets | $721,361,500 | 1,210 |
| Average equity | $44,753,000 | 1,745 |
| Average total loans | $324,247,000 | 1,708 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4347% | 3,254 |
| Cost of funding earning assets | 0.4403% | 1,787 |
| Net interest margin | 2.9944% | 3,468 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.8729% | 3,886 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8805% | 3,047 |
| Return on assets (ROA) | 0.8806% | 2,984 |
| Pretax return on assets | 1.1103% | 2,734 |
| Return on Equity (ROE) | 13.1200% | 1,766 |
| Retained earnings to average equity (ytd only) | 9.9651% | 1,165 |
| Net charge-offs to loans | -0.0375% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.1045% | 2,892 |
| Assets per employee ($millions) | 6.0454% | 2,725 |
| Cash dividends to net income (ytd only)* | 24.0276% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 655 |
| Loan loss allowance to noncurrent loans | 500.8569% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 2,473 |
| Noncurrent loans to loans | 0.3604% | 1,848 |
| Net loans and leases to total assets | 41.4200% | 4,009 |
| Net loans and leases to deposits | 44.9459% | 4,084 |
| Net loans and leases to core deposits | 47.9457% | 4,060 |
| Total domestic deposits to total assets | 92.1500% | 600 |
| Equity capital to assets | 5.4724% | 4,243 |
| Core capital (leverage) ratio | 8.8357% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0825% | 708 |
| Memoranda: | ||
| Average total assets | $756,166,000 | 1,235 |
| Average earning assets | $717,294,800 | 1,204 |
| Average equity | $50,767,200 | 1,598 |
| Average total loans | $309,342,800 | 1,680 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3841% | 2,958 |
| Cost of funding earning assets | 0.3324% | 1,835 |
| Net interest margin | 3.0517% | 3,071 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.8676% | 3,826 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9348% | 2,741 |
| Return on assets (ROA) | 0.9344% | 2,707 |
| Pretax return on assets | 1.1820% | 2,437 |
| Return on Equity (ROE) | 13.2900% | 1,620 |
| Retained earnings to average equity (ytd only) | 10.2701% | 1,266 |
| Net charge-offs to loans | -0.0475% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.5666% | 3,168 |
| Assets per employee ($millions) | 5.7254% | 3,013 |
| Cash dividends to net income (ytd only)* | 22.7316% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 715 |
| Loan loss allowance to noncurrent loans | 487.3322% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 2,504 |
| Noncurrent loans to loans | 0.3718% | 1,906 |
| Net loans and leases to total assets | 41.9700% | 3,988 |
| Net loans and leases to deposits | 44.5226% | 4,091 |
| Net loans and leases to core deposits | 46.6100% | 4,076 |
| Total domestic deposits to total assets | 94.2700% | 321 |
| Equity capital to assets | 5.0001% | 4,299 |
| Core capital (leverage) ratio | 8.8050% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8866% | 741 |
| Memoranda: | ||
| Average total assets | $753,266,750 | 1,248 |
| Average earning assets | $716,345,500 | 1,216 |
| Average equity | $52,955,250 | 1,565 |
| Average total loans | $305,717,250 | 1,686 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2575% | 2,881 |
| Cost of funding earning assets | 0.2724% | 1,999 |
| Net interest margin | 2.9851% | 2,926 |
| Noninterest income to average assets | 0.1742% | 4,134 |
| Noninterest expense to average assets | 1.7960% | 3,963 |
| Loan and lease loss provision to assets | 0.0239% | 2,169 |
| Net operating income to assets | 0.9500% | 2,361 |
| Return on assets (ROA) | 0.9500% | 2,333 |
| Pretax return on assets | 1.2042% | 2,066 |
| Return on Equity (ROE) | 12.3326% | 1,569 |
| Retained earnings to average equity (ytd only) | 9.5790% | 1,123 |
| Net charge-offs to loans | -0.0712% | 4,356 |
| Credit loss provision to net charge-offs | -84.1121% | 3,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1273% | 3,542 |
| Assets per employee ($millions) | 5.8239% | 2,896 |
| Cash dividends to net income (ytd only)* | 22.3277% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8872% | 679 |
| Loan loss allowance to noncurrent loans | 480.1330% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 2,592 |
| Noncurrent loans to loans | 0.3931% | 1,952 |
| Net loans and leases to total assets | 39.6628% | 4,089 |
| Net loans and leases to deposits | 42.4942% | 4,178 |
| Net loans and leases to core deposits | 44.1782% | 4,183 |
| Total domestic deposits to total assets | 93.3371% | 426 |
| Equity capital to assets | 6.2081% | 4,131 |
| Core capital (leverage) ratio | 8.9797% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6577% | 567 |
| Memoranda: | ||
| Average total assets | $754,346,000 | 1,246 |
| Average earning assets | $720,181,333 | 1,219 |
| Average equity | $58,106,333 | 1,479 |
| Average total loans | $300,753,000 | 1,698 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2909% | 2,411 |
| Cost of funding earning assets | 0.2561% | 2,084 |
| Net interest margin | 3.0348% | 2,386 |
| Noninterest income to average assets | 0.1673% | 4,165 |
| Noninterest expense to average assets | 1.8370% | 3,849 |
| Loan and lease loss provision to assets | 0.0319% | 1,792 |
| Net operating income to assets | 0.9515% | 2,069 |
| Return on assets (ROA) | 0.9536% | 2,058 |
| Pretax return on assets | 1.2096% | 1,775 |
| Return on Equity (ROE) | 11.2789% | 1,521 |
| Retained earnings to average equity (ytd only) | 8.7655% | 1,341 |
| Net charge-offs to loans | -0.0027% | 3,158 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4801% | 3,635 |
| Assets per employee ($millions) | 5.7730% | 3,036 |
| Cash dividends to net income (ytd only)* | 22.2841% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8898% | 756 |
| Loan loss allowance to noncurrent loans | 386.8313% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 2,465 |
| Noncurrent loans to loans | 0.4885% | 1,807 |
| Net loans and leases to total assets | 39.0144% | 4,071 |
| Net loans and leases to deposits | 42.3039% | 4,149 |
| Net loans and leases to core deposits | 43.7469% | 4,173 |
| Total domestic deposits to total assets | 92.2239% | 500 |
| Equity capital to assets | 7.4620% | 3,959 |
| Core capital (leverage) ratio | 8.8744% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4622% | 702 |
| Memoranda: | ||
| Average total assets | $752,968,000 | 1,254 |
| Average earning assets | $721,632,000 | 1,225 |
| Average equity | $63,658,500 | 1,419 |
| Average total loans | $298,097,500 | 1,710 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3133% | 3,164 |
| Cost of funding earning assets | 0.3544% | 1,904 |
| Net interest margin | 2.9589% | 3,292 |
| Noninterest income to average assets | 0.2382% | 3,952 |
| Noninterest expense to average assets | 1.8996% | 3,923 |
| Loan and lease loss provision to assets | 0.0378% | 2,286 |
| Net operating income to assets | 0.9047% | 3,024 |
| Return on assets (ROA) | 0.9062% | 3,082 |
| Pretax return on assets | 1.1387% | 2,862 |
| Return on Equity (ROE) | 9.1380% | 2,862 |
| Retained earnings to average equity (ytd only) | 7.2313% | 1,832 |
| Net charge-offs to loans | 0.0194% | 1,890 |
| Credit loss provision to net charge-offs | 458.3333% | 840 |
| Earnings coverage of net charge-offs (x) | 142.3667% | 694 |
| Efficiency ratio | 60.5072% | 3,080 |
| Assets per employee ($millions) | 5.8111% | 2,939 |
| Cash dividends to net income (ytd only)* | 20.8649% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8737% | 762 |
| Loan loss allowance to noncurrent loans | 289.6677% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 2,288 |
| Noncurrent loans to loans | 0.6468% | 1,538 |
| Net loans and leases to total assets | 38.6761% | 4,154 |
| Net loans and leases to deposits | 43.0567% | 4,220 |
| Net loans and leases to core deposits | 44.7976% | 4,237 |
| Total domestic deposits to total assets | 89.8260% | 1,047 |
| Equity capital to assets | 9.4402% | 3,193 |
| Core capital (leverage) ratio | 8.8913% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4663% | 703 |
| Memoranda: | ||
| Average total assets | $727,216,800 | 1,251 |
| Average earning assets | $697,007,800 | 1,225 |
| Average equity | $72,116,800 | 1,318 |
| Average total loans | $309,186,800 | 1,668 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3991% | 3,106 |
| Cost of funding earning assets | 0.3749% | 1,897 |
| Net interest margin | 3.0242% | 3,250 |
| Noninterest income to average assets | 0.2664% | 3,812 |
| Noninterest expense to average assets | 1.9138% | 3,912 |
| Loan and lease loss provision to assets | 0.0371% | 2,252 |
| Net operating income to assets | 0.9626% | 3,040 |
| Return on assets (ROA) | 0.9642% | 3,122 |
| Pretax return on assets | 1.2134% | 2,887 |
| Return on Equity (ROE) | 9.6019% | 2,883 |
| Retained earnings to average equity (ytd only) | 7.8043% | 2,117 |
| Net charge-offs to loans | 0.0056% | 2,121 |
| Credit loss provision to net charge-offs | 1,538.4615% | 393 |
| Earnings coverage of net charge-offs (x) | 518.6923% | 292 |
| Efficiency ratio | 59.2623% | 3,093 |
| Assets per employee ($millions) | 5.5733% | 3,118 |
| Cash dividends to net income (ytd only)* | 18.7212% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7857% | 957 |
| Loan loss allowance to noncurrent loans | 286.8734% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 2,031 |
| Noncurrent loans to loans | 0.6225% | 1,754 |
| Net loans and leases to total assets | 42.1391% | 4,084 |
| Net loans and leases to deposits | 47.2337% | 4,156 |
| Net loans and leases to core deposits | 48.2099% | 4,227 |
| Total domestic deposits to total assets | 89.2141% | 1,167 |
| Equity capital to assets | 10.1214% | 2,784 |
| Core capital (leverage) ratio | 9.0482% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0470% | 807 |
| Memoranda: | ||
| Average total assets | $720,160,250 | 1,282 |
| Average earning assets | $689,571,250 | 1,255 |
| Average equity | $72,317,250 | 1,330 |
| Average total loans | $312,044,750 | 1,683 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3907% | 3,205 |
| Cost of funding earning assets | 0.3949% | 1,930 |
| Net interest margin | 2.9957% | 3,340 |
| Noninterest income to average assets | 0.2875% | 3,705 |
| Noninterest expense to average assets | 1.8851% | 4,005 |
| Loan and lease loss provision to assets | 0.0417% | 2,175 |
| Net operating income to assets | 0.9699% | 3,002 |
| Return on assets (ROA) | 0.9723% | 3,074 |
| Pretax return on assets | 1.2325% | 2,823 |
| Return on Equity (ROE) | 9.7084% | 2,871 |
| Retained earnings to average equity (ytd only) | 7.9023% | 2,110 |
| Net charge-offs to loans | 0.0096% | 1,788 |
| Credit loss provision to net charge-offs | 1,000.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 304.5333% | 368 |
| Efficiency ratio | 58.4553% | 3,219 |
| Assets per employee ($millions) | 5.4949% | 3,134 |
| Cash dividends to net income (ytd only)* | 18.6033% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 1,016 |
| Loan loss allowance to noncurrent loans | 283.0160% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 2,178 |
| Noncurrent loans to loans | 0.6087% | 1,884 |
| Net loans and leases to total assets | 43.5809% | 4,065 |
| Net loans and leases to deposits | 49.2147% | 4,155 |
| Net loans and leases to core deposits | 50.2867% | 4,226 |
| Total domestic deposits to total assets | 88.5527% | 1,540 |
| Equity capital to assets | 10.0835% | 2,781 |
| Core capital (leverage) ratio | 8.8796% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7871% | 841 |
| Memoranda: | ||
| Average total assets | $718,705,000 | 1,271 |
| Average earning assets | $688,242,333 | 1,245 |
| Average equity | $71,979,000 | 1,326 |
| Average total loans | $312,439,667 | 1,690 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4741% | 3,001 |
| Cost of funding earning assets | 0.4284% | 1,872 |
| Net interest margin | 3.0457% | 3,144 |
| Noninterest income to average assets | 0.2562% | 3,863 |
| Noninterest expense to average assets | 1.9395% | 3,885 |
| Loan and lease loss provision to assets | 0.0418% | 2,227 |
| Net operating income to assets | 0.9252% | 3,062 |
| Return on assets (ROA) | 0.9252% | 3,133 |
| Pretax return on assets | 1.1897% | 2,874 |
| Return on Equity (ROE) | 9.2695% | 2,935 |
| Retained earnings to average equity (ytd only) | 7.4558% | 2,433 |
| Net charge-offs to loans | 0.0026% | 1,832 |
| Credit loss provision to net charge-offs | 3,750.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 1,105.5000% | 83 |
| Efficiency ratio | 59.8981% | 3,044 |
| Assets per employee ($millions) | 5.7564% | 2,841 |
| Cash dividends to net income (ytd only)* | 19.5665% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7441% | 951 |
| Loan loss allowance to noncurrent loans | 272.2584% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 2,208 |
| Noncurrent loans to loans | 0.6406% | 1,968 |
| Net loans and leases to total assets | 41.5705% | 4,261 |
| Net loans and leases to deposits | 46.2058% | 4,342 |
| Net loans and leases to core deposits | 47.2139% | 4,397 |
| Total domestic deposits to total assets | 89.9680% | 835 |
| Equity capital to assets | 9.5942% | 3,113 |
| Core capital (leverage) ratio | 8.7014% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4692% | 858 |
| Memoranda: | ||
| Average total assets | $718,139,500 | 1,259 |
| Average earning assets | $687,253,500 | 1,237 |
| Average equity | $71,676,000 | 1,325 |
| Average total loans | $309,054,500 | 1,703 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 2,802 |
| Cost of funding earning assets | 0.6472% | 2,014 |
| Net interest margin | 3.3285% | 2,991 |
| Noninterest income to average assets | 0.2721% | 3,846 |
| Noninterest expense to average assets | 2.0233% | 4,095 |
| Loan and lease loss provision to assets | 0.1477% | 2,527 |
| Net operating income to assets | 1.0059% | 2,269 |
| Return on assets (ROA) | 1.0083% | 2,404 |
| Pretax return on assets | 1.2726% | 2,076 |
| Return on Equity (ROE) | 9.7317% | 2,103 |
| Retained earnings to average equity (ytd only) | 7.8215% | 1,108 |
| Net charge-offs to loans | 0.0985% | 1,487 |
| Credit loss provision to net charge-offs | 309.9042% | 1,703 |
| Earnings coverage of net charge-offs (x) | 29.7412% | 1,619 |
| Efficiency ratio | 57.3388% | 3,810 |
| Assets per employee ($millions) | 5.4222% | 2,931 |
| Cash dividends to net income (ytd only)* | 19.6286% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 944 |
| Loan loss allowance to noncurrent loans | 265.9395% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 2,307 |
| Noncurrent loans to loans | 0.6583% | 2,035 |
| Net loans and leases to total assets | 43.0345% | 4,299 |
| Net loans and leases to deposits | 48.3491% | 4,381 |
| Net loans and leases to core deposits | 49.6502% | 4,432 |
| Total domestic deposits to total assets | 89.0078% | 986 |
| Equity capital to assets | 10.3880% | 2,764 |
| Core capital (leverage) ratio | 8.7966% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3567% | 852 |
| Memoranda: | ||
| Average total assets | $656,850,400 | 1,246 |
| Average earning assets | $625,272,000 | 1,220 |
| Average equity | $68,056,200 | 1,324 |
| Average total loans | $317,759,800 | 1,623 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 2,515 |
| Cost of funding earning assets | 0.6875% | 2,103 |
| Net interest margin | 3.4655% | 2,705 |
| Noninterest income to average assets | 0.2670% | 3,868 |
| Noninterest expense to average assets | 2.0379% | 4,074 |
| Loan and lease loss provision to assets | 0.1795% | 2,194 |
| Net operating income to assets | 1.0482% | 2,153 |
| Return on assets (ROA) | 1.0515% | 2,274 |
| Pretax return on assets | 1.3504% | 1,874 |
| Return on Equity (ROE) | 10.1554% | 1,967 |
| Retained earnings to average equity (ytd only) | 8.2124% | 1,233 |
| Net charge-offs to loans | 0.1214% | 1,151 |
| Credit loss provision to net charge-offs | 297.9452% | 1,768 |
| Earnings coverage of net charge-offs (x) | 25.3253% | 1,727 |
| Efficiency ratio | 55.6797% | 3,960 |
| Assets per employee ($millions) | 5.2610% | 2,934 |
| Cash dividends to net income (ytd only)* | 19.1327% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 1,254 |
| Loan loss allowance to noncurrent loans | 248.5889% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 2,129 |
| Noncurrent loans to loans | 0.6214% | 2,245 |
| Net loans and leases to total assets | 49.6335% | 4,112 |
| Net loans and leases to deposits | 55.9882% | 4,261 |
| Net loans and leases to core deposits | 58.2389% | 4,294 |
| Total domestic deposits to total assets | 88.6499% | 922 |
| Equity capital to assets | 10.6023% | 2,705 |
| Core capital (leverage) ratio | 8.8894% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3842% | 992 |
| Memoranda: | ||
| Average total assets | $646,198,000 | 1,243 |
| Average earning assets | $614,737,250 | 1,219 |
| Average equity | $66,905,250 | 1,327 |
| Average total loans | $320,606,500 | 1,608 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 2,391 |
| Cost of funding earning assets | 0.7390% | 2,182 |
| Net interest margin | 3.5923% | 2,510 |
| Noninterest income to average assets | 0.2521% | 3,966 |
| Noninterest expense to average assets | 2.1109% | 4,003 |
| Loan and lease loss provision to assets | 0.2266% | 1,849 |
| Net operating income to assets | 1.0316% | 2,213 |
| Return on assets (ROA) | 1.0343% | 2,340 |
| Pretax return on assets | 1.3334% | 1,923 |
| Return on Equity (ROE) | 10.0763% | 1,954 |
| Retained earnings to average equity (ytd only) | 8.0831% | 1,275 |
| Net charge-offs to loans | 0.0268% | 2,187 |
| Credit loss provision to net charge-offs | 1,714.2857% | 551 |
| Earnings coverage of net charge-offs (x) | 117.7381% | 632 |
| Efficiency ratio | 55.9351% | 3,951 |
| Assets per employee ($millions) | 5.4269% | 2,711 |
| Cash dividends to net income (ytd only)* | 19.7809% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 993 |
| Loan loss allowance to noncurrent loans | 164.8806% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.6547% | 1,861 |
| Noncurrent loans to loans | 0.9740% | 1,589 |
| Net loans and leases to total assets | 47.8705% | 4,264 |
| Net loans and leases to deposits | 53.8092% | 4,384 |
| Net loans and leases to core deposits | 58.1748% | 4,345 |
| Total domestic deposits to total assets | 88.9635% | 758 |
| Equity capital to assets | 10.2293% | 2,980 |
| Core capital (leverage) ratio | 8.7634% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1970% | 1,016 |
| Memoranda: | ||
| Average total assets | $635,376,333 | 1,242 |
| Average earning assets | $604,075,667 | 1,220 |
| Average equity | $65,222,333 | 1,347 |
| Average total loans | $313,432,333 | 1,625 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 3,285 |
| Cost of funding earning assets | 0.8357% | 2,197 |
| Net interest margin | 3.3455% | 3,465 |
| Noninterest income to average assets | 0.2971% | 3,739 |
| Noninterest expense to average assets | 2.0965% | 4,221 |
| Loan and lease loss provision to assets | 0.1183% | 2,212 |
| Net operating income to assets | 0.9960% | 2,182 |
| Return on assets (ROA) | 0.9960% | 2,290 |
| Pretax return on assets | 1.2589% | 2,000 |
| Return on Equity (ROE) | 9.6832% | 1,850 |
| Retained earnings to average equity (ytd only) | 7.6060% | 1,346 |
| Net charge-offs to loans | 0.0476% | 1,534 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 58.1944% | 818 |
| Efficiency ratio | 58.1378% | 3,982 |
| Assets per employee ($millions) | 4.7786% | 2,901 |
| Cash dividends to net income (ytd only)* | 21.4521% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 1,019 |
| Loan loss allowance to noncurrent loans | 125.9673% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 1,975 |
| Noncurrent loans to loans | 1.2867% | 1,270 |
| Net loans and leases to total assets | 48.5174% | 4,313 |
| Net loans and leases to deposits | 54.3316% | 4,429 |
| Net loans and leases to core deposits | 58.2682% | 4,425 |
| Total domestic deposits to total assets | 89.2987% | 548 |
| Equity capital to assets | 10.2996% | 3,520 |
| Core capital (leverage) ratio | 9.2638% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3477% | 1,093 |
| Memoranda: | ||
| Average total assets | $608,457,000 | 1,249 |
| Average earning assets | $577,738,000 | 1,229 |
| Average equity | $62,582,500 | 1,380 |
| Average total loans | $302,490,500 | 1,633 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2809% | 3,589 |
| Cost of funding earning assets | 0.9862% | 1,785 |
| Net interest margin | 3.2947% | 4,000 |
| Noninterest income to average assets | 0.2982% | 3,896 |
| Noninterest expense to average assets | 2.1036% | 4,360 |
| Loan and lease loss provision to assets | 0.1602% | 1,308 |
| Net operating income to assets | 0.9639% | 2,973 |
| Return on assets (ROA) | 0.9642% | 3,054 |
| Pretax return on assets | 1.1798% | 2,910 |
| Return on Equity (ROE) | 9.4957% | 2,524 |
| Retained earnings to average equity (ytd only) | 7.5404% | 1,146 |
| Net charge-offs to loans | 0.1514% | 1,310 |
| Credit loss provision to net charge-offs | 212.5307% | 1,248 |
| Earnings coverage of net charge-offs (x) | 17.7715% | 2,092 |
| Efficiency ratio | 60.2765% | 3,651 |
| Assets per employee ($millions) | 5.0003% | 2,596 |
| Cash dividends to net income (ytd only)* | 20.5916% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 1,115 |
| Loan loss allowance to noncurrent loans | 122.8661% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.6668% | 1,922 |
| Noncurrent loans to loans | 1.2532% | 1,199 |
| Net loans and leases to total assets | 49.3383% | 4,354 |
| Net loans and leases to deposits | 55.2650% | 4,489 |
| Net loans and leases to core deposits | 59.4479% | 4,466 |
| Total domestic deposits to total assets | 89.2759% | 568 |
| Equity capital to assets | 10.2714% | 3,653 |
| Core capital (leverage) ratio | 9.1827% | 4,373 |
| Tier 1 risk-based capital ratio | 16.5461% | 2,201 |
| Total risk-based capital ratio | 17.7988% | 2,142 |
| Memoranda: | ||
| Average total assets | $539,935,200 | 1,329 |
| Average earning assets | $515,402,200 | 1,300 |
| Average equity | $54,825,000 | 1,475 |
| Average total loans | $268,802,000 | 1,739 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 3,843 |
| Cost of funding earning assets | 1.0002% | 1,762 |
| Net interest margin | 3.2357% | 4,221 |
| Noninterest income to average assets | 0.2961% | 3,967 |
| Noninterest expense to average assets | 2.1091% | 4,344 |
| Loan and lease loss provision to assets | 0.0817% | 2,276 |
| Net operating income to assets | 0.9562% | 3,143 |
| Return on assets (ROA) | 0.9566% | 3,219 |
| Pretax return on assets | 1.1988% | 2,984 |
| Return on Equity (ROE) | 9.4525% | 2,694 |
| Retained earnings to average equity (ytd only) | 7.5686% | 1,592 |
| Net charge-offs to loans | 0.0211% | 2,692 |
| Credit loss provision to net charge-offs | 780.4878% | 442 |
| Earnings coverage of net charge-offs (x) | 122.3066% | 639 |
| Efficiency ratio | 61.3751% | 3,426 |
| Assets per employee ($millions) | 5.3046% | 2,218 |
| Cash dividends to net income (ytd only)* | 19.9307% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 864 |
| Loan loss allowance to noncurrent loans | 133.7271% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 1,793 |
| Noncurrent loans to loans | 1.2504% | 1,249 |
| Net loans and leases to total assets | 50.1948% | 4,419 |
| Net loans and leases to deposits | 59.0845% | 4,424 |
| Net loans and leases to core deposits | 63.1760% | 4,420 |
| Total domestic deposits to total assets | 84.9543% | 2,441 |
| Equity capital to assets | 9.9671% | 4,052 |
| Core capital (leverage) ratio | 8.8043% | 4,772 |
| Tier 1 risk-based capital ratio | 15.8687% | 2,489 |
| Total risk-based capital ratio | 17.1228% | 2,422 |
| Memoranda: | ||
| Average total assets | $522,410,250 | 1,374 |
| Average earning assets | $499,372,250 | 1,337 |
| Average equity | $52,866,500 | 1,525 |
| Average total loans | $259,580,500 | 1,791 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 3,916 |
| Cost of funding earning assets | 0.9934% | 1,726 |
| Net interest margin | 3.2109% | 4,342 |
| Noninterest income to average assets | 0.2305% | 4,377 |
| Noninterest expense to average assets | 2.0649% | 4,476 |
| Loan and lease loss provision to assets | 0.0770% | 2,273 |
| Net operating income to assets | 0.8933% | 3,312 |
| Return on assets (ROA) | 0.8939% | 3,374 |
| Pretax return on assets | 1.1579% | 3,047 |
| Return on Equity (ROE) | 8.7884% | 2,939 |
| Retained earnings to average equity (ytd only) | 6.9044% | 1,854 |
| Net charge-offs to loans | 0.0328% | 2,206 |
| Credit loss provision to net charge-offs | 476.1905% | 626 |
| Earnings coverage of net charge-offs (x) | 76.3571% | 843 |
| Efficiency ratio | 61.7054% | 3,481 |
| Assets per employee ($millions) | 5.2817% | 2,168 |
| Cash dividends to net income (ytd only)* | 21.4378% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 840 |
| Loan loss allowance to noncurrent loans | 205.1676% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 2,393 |
| Noncurrent loans to loans | 0.8233% | 1,943 |
| Net loans and leases to total assets | 48.5635% | 4,547 |
| Net loans and leases to deposits | 54.6733% | 4,655 |
| Net loans and leases to core deposits | 68.6102% | 4,181 |
| Total domestic deposits to total assets | 88.8250% | 736 |
| Equity capital to assets | 10.6120% | 3,427 |
| Core capital (leverage) ratio | 9.6050% | 4,033 |
| Tier 1 risk-based capital ratio | 17.6983% | 1,881 |
| Total risk-based capital ratio | 18.9526% | 1,834 |
| Memoranda: | ||
| Average total assets | $519,728,000 | 1,379 |
| Average earning assets | $496,684,670 | 1,343 |
| Average equity | $52,865,000 | 1,516 |
| Average total loans | $255,844,000 | 1,817 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1213% | 4,072 |
| Cost of funding earning assets | 0.9546% | 1,769 |
| Net interest margin | 3.1667% | 4,464 |
| Noninterest income to average assets | 0.2180% | 4,444 |
| Noninterest expense to average assets | 2.1175% | 4,434 |
| Loan and lease loss provision to assets | 0.0621% | 2,414 |
| Net operating income to assets | 0.8135% | 3,570 |
| Return on assets (ROA) | 0.8147% | 3,607 |
| Pretax return on assets | 1.0669% | 3,251 |
| Return on Equity (ROE) | 8.1914% | 3,170 |
| Retained earnings to average equity (ytd only) | 6.2489% | 2,344 |
| Net charge-offs to loans | 0.0474% | 1,602 |
| Credit loss provision to net charge-offs | 266.6667% | 888 |
| Earnings coverage of net charge-offs (x) | 48.4333% | 1,050 |
| Efficiency ratio | 64.3472% | 3,183 |
| Assets per employee ($millions) | 5.2126% | 2,270 |
| Cash dividends to net income (ytd only)* | 23.7143% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7107% | 840 |
| Loan loss allowance to noncurrent loans | 154.8073% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 2,377 |
| Noncurrent loans to loans | 1.1050% | 1,510 |
| Net loans and leases to total assets | 47.3862% | 4,606 |
| Net loans and leases to deposits | 52.9878% | 4,714 |
| Net loans and leases to core deposits | 64.3179% | 4,362 |
| Total domestic deposits to total assets | 89.4286% | 675 |
| Equity capital to assets | 10.1641% | 3,665 |
| Core capital (leverage) ratio | 9.5516% | 4,071 |
| Tier 1 risk-based capital ratio | 17.3420% | 1,998 |
| Total risk-based capital ratio | 18.5960% | 1,941 |
| Memoranda: | ||
| Average total assets | $515,508,000 | 1,401 |
| Average earning assets | $492,755,000 | 1,359 |
| Average equity | $51,273,000 | 1,543 |
| Average total loans | $253,314,000 | 1,841 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1194% | 3,682 |
| Cost of funding earning assets | 0.7181% | 1,974 |
| Net interest margin | 3.4013% | 3,998 |
| Noninterest income to average assets | 0.2992% | 4,104 |
| Noninterest expense to average assets | 2.0877% | 4,588 |
| Loan and lease loss provision to assets | 0.0894% | 2,355 |
| Net operating income to assets | 1.0259% | 2,904 |
| Return on assets (ROA) | 1.0193% | 2,914 |
| Pretax return on assets | 1.3484% | 2,325 |
| Return on Equity (ROE) | 10.7632% | 2,178 |
| Retained earnings to average equity (ytd only) | 8.7040% | 975 |
| Net charge-offs to loans | 0.0498% | 2,442 |
| Credit loss provision to net charge-offs | 360.6557% | 886 |
| Earnings coverage of net charge-offs (x) | 58.3525% | 1,039 |
| Efficiency ratio | 58.2054% | 4,131 |
| Assets per employee ($millions) | 5.1491% | 2,324 |
| Cash dividends to net income (ytd only)* | 19.1311% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6642% | 892 |
| Loan loss allowance to noncurrent loans | 365.9776% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 3,544 |
| Noncurrent loans to loans | 0.4547% | 2,903 |
| Net loans and leases to total assets | 49.2539% | 4,571 |
| Net loans and leases to deposits | 54.8585% | 4,712 |
| Net loans and leases to core deposits | 64.3379% | 4,440 |
| Total domestic deposits to total assets | 89.7834% | 547 |
| Equity capital to assets | 9.7232% | 3,935 |
| Core capital (leverage) ratio | 9.5120% | 4,101 |
| Tier 1 risk-based capital ratio | 17.3011% | 1,950 |
| Total risk-based capital ratio | 18.5550% | 1,909 |
| Memoranda: | ||
| Average total assets | $492,301,400 | 1,429 |
| Average earning assets | $468,179,800 | 1,393 |
| Average equity | $46,622,000 | 1,610 |
| Average total loans | $244,904,000 | 1,855 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0845% | 3,685 |
| Cost of funding earning assets | 0.6528% | 2,137 |
| Net interest margin | 3.4318% | 3,916 |
| Noninterest income to average assets | 0.2697% | 4,350 |
| Noninterest expense to average assets | 2.1111% | 4,524 |
| Loan and lease loss provision to assets | 0.0874% | 2,223 |
| Net operating income to assets | 1.0199% | 3,005 |
| Return on assets (ROA) | 1.0110% | 3,048 |
| Pretax return on assets | 1.3209% | 2,538 |
| Return on Equity (ROE) | 10.7510% | 2,286 |
| Retained earnings to average equity (ytd only) | 8.6879% | 1,350 |
| Net charge-offs to loans | 0.0138% | 2,934 |
| Credit loss provision to net charge-offs | 1,280.0000% | 317 |
| Earnings coverage of net charge-offs (x) | 207.8155% | 429 |
| Efficiency ratio | 58.9118% | 3,975 |
| Assets per employee ($millions) | 5.1322% | 2,298 |
| Cash dividends to net income (ytd only)* | 19.1891% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6726% | 921 |
| Loan loss allowance to noncurrent loans | 430.3462% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 3,749 |
| Noncurrent loans to loans | 0.3887% | 3,263 |
| Net loans and leases to total assets | 49.9032% | 4,603 |
| Net loans and leases to deposits | 55.2170% | 4,781 |
| Net loans and leases to core deposits | 65.1939% | 4,448 |
| Total domestic deposits to total assets | 90.3764% | 387 |
| Equity capital to assets | 9.2001% | 4,366 |
| Core capital (leverage) ratio | 9.5062% | 4,169 |
| Tier 1 risk-based capital ratio | 17.1007% | 2,063 |
| Total risk-based capital ratio | 18.3545% | 2,005 |
| Memoranda: | ||
| Average total assets | $487,937,000 | 1,446 |
| Average earning assets | $463,655,500 | 1,411 |
| Average equity | $45,886,250 | 1,640 |
| Average total loans | $242,298,750 | 1,875 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,619 |
| Cost of funding earning assets | 0.6151% | 2,132 |
| Net interest margin | 3.4307% | 3,860 |
| Noninterest income to average assets | 0.2303% | 4,640 |
| Noninterest expense to average assets | 2.0861% | 4,638 |
| Loan and lease loss provision to assets | 0.0825% | 2,263 |
| Net operating income to assets | 1.0092% | 2,975 |
| Return on assets (ROA) | 1.0024% | 3,004 |
| Pretax return on assets | 1.3144% | 2,449 |
| Return on Equity (ROE) | 10.5804% | 2,290 |
| Retained earnings to average equity (ytd only) | 8.5680% | 1,367 |
| Net charge-offs to loans | 0.0050% | 2,990 |
| Credit loss provision to net charge-offs | 3,333.3333% | 123 |
| Earnings coverage of net charge-offs (x) | 567.6667% | 158 |
| Efficiency ratio | 58.8465% | 4,107 |
| Assets per employee ($millions) | 4.8088% | 2,668 |
| Cash dividends to net income (ytd only)* | 19.0202% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 925 |
| Loan loss allowance to noncurrent loans | 339.7858% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 3,599 |
| Noncurrent loans to loans | 0.4961% | 2,942 |
| Net loans and leases to total assets | 49.0520% | 4,657 |
| Net loans and leases to deposits | 54.3431% | 4,829 |
| Net loans and leases to core deposits | 65.0670% | 4,425 |
| Total domestic deposits to total assets | 90.2636% | 479 |
| Equity capital to assets | 9.3385% | 4,249 |
| Core capital (leverage) ratio | 9.4208% | 4,219 |
| Tier 1 risk-based capital ratio | 17.1223% | 2,060 |
| Total risk-based capital ratio | 18.3763% | 2,004 |
| Memoranda: | ||
| Average total assets | $484,642,670 | 1,454 |
| Average earning assets | $460,718,670 | 1,423 |
| Average equity | $45,915,000 | 1,636 |
| Average total loans | $238,847,000 | 1,897 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9659% | 3,733 |
| Cost of funding earning assets | 0.5511% | 2,397 |
| Net interest margin | 3.4148% | 3,835 |
| Noninterest income to average assets | 0.2589% | 4,446 |
| Noninterest expense to average assets | 2.1877% | 4,448 |
| Loan and lease loss provision to assets | 0.0664% | 2,444 |
| Net operating income to assets | 0.9699% | 2,986 |
| Return on assets (ROA) | 0.9561% | 3,064 |
| Pretax return on assets | 1.2374% | 2,609 |
| Return on Equity (ROE) | 9.9705% | 2,450 |
| Retained earnings to average equity (ytd only) | 8.1270% | 1,792 |
| Net charge-offs to loans | 0.0017% | 2,671 |
| Credit loss provision to net charge-offs | 8,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,592.0000% | 35 |
| Efficiency ratio | 61.4475% | 3,880 |
| Assets per employee ($millions) | 4.9111% | 2,592 |
| Cash dividends to net income (ytd only)* | 18.4896% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 1,007 |
| Loan loss allowance to noncurrent loans | 905.1919% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 4,410 |
| Noncurrent loans to loans | 0.1849% | 4,131 |
| Net loans and leases to total assets | 48.4401% | 4,665 |
| Net loans and leases to deposits | 53.6737% | 4,814 |
| Net loans and leases to core deposits | 62.9447% | 4,497 |
| Total domestic deposits to total assets | 90.2491% | 563 |
| Equity capital to assets | 9.3981% | 4,184 |
| Core capital (leverage) ratio | 9.3161% | 4,301 |
| Tier 1 risk-based capital ratio | 17.0694% | 2,098 |
| Total risk-based capital ratio | 18.3234% | 2,047 |
| Memoranda: | ||
| Average total assets | $481,961,500 | 1,468 |
| Average earning assets | $458,705,500 | 1,437 |
| Average equity | $46,216,500 | 1,639 |
| Average total loans | $235,908,500 | 1,922 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 3,540 |
| Cost of funding earning assets | 0.4756% | 2,543 |
| Net interest margin | 3.4823% | 3,583 |
| Noninterest income to average assets | 0.2640% | 4,551 |
| Noninterest expense to average assets | 2.1114% | 4,735 |
| Loan and lease loss provision to assets | 0.0856% | 2,485 |
| Net operating income to assets | 0.9395% | 2,495 |
| Return on assets (ROA) | 0.9400% | 2,530 |
| Pretax return on assets | 1.3645% | 2,113 |
| Return on Equity (ROE) | 9.6153% | 2,048 |
| Retained earnings to average equity (ytd only) | 7.7514% | 846 |
| Net charge-offs to loans | 0.0802% | 2,306 |
| Credit loss provision to net charge-offs | 215.0538% | 1,265 |
| Earnings coverage of net charge-offs (x) | 36.3978% | 1,342 |
| Efficiency ratio | 58.3789% | 4,485 |
| Assets per employee ($millions) | 4.7299% | 2,823 |
| Cash dividends to net income (ytd only)* | 19.3850% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 959 |
| Loan loss allowance to noncurrent loans | 850.8658% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 4,433 |
| Noncurrent loans to loans | 0.1989% | 4,115 |
| Net loans and leases to total assets | 47.8019% | 4,782 |
| Net loans and leases to deposits | 53.2180% | 4,923 |
| Net loans and leases to core deposits | 61.6237% | 4,678 |
| Total domestic deposits to total assets | 89.8227% | 635 |
| Equity capital to assets | 9.7838% | 3,938 |
| Core capital (leverage) ratio | 9.3153% | 4,271 |
| Tier 1 risk-based capital ratio | 17.1388% | 2,042 |
| Total risk-based capital ratio | 18.3925% | 1,997 |
| Memoranda: | ||
| Average total assets | $467,046,000 | 1,486 |
| Average earning assets | $442,174,600 | 1,460 |
| Average equity | $45,656,200 | 1,645 |
| Average total loans | $232,006,800 | 1,925 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9543% | 3,504 |
| Cost of funding earning assets | 0.4662% | 2,558 |
| Net interest margin | 3.4881% | 3,544 |
| Noninterest income to average assets | 0.2811% | 4,506 |
| Noninterest expense to average assets | 2.1545% | 4,628 |
| Loan and lease loss provision to assets | 0.0919% | 2,242 |
| Net operating income to assets | 0.9695% | 2,696 |
| Return on assets (ROA) | 0.9707% | 2,740 |
| Pretax return on assets | 1.3339% | 2,348 |
| Return on Equity (ROE) | 9.9324% | 2,165 |
| Retained earnings to average equity (ytd only) | 8.0582% | 1,198 |
| Net charge-offs to loans | 0.0926% | 1,863 |
| Credit loss provision to net charge-offs | 198.7578% | 1,356 |
| Earnings coverage of net charge-offs (x) | 30.8076% | 1,529 |
| Efficiency ratio | 59.2908% | 4,318 |
| Assets per employee ($millions) | 4.7341% | 2,785 |
| Cash dividends to net income (ytd only)* | 18.8702% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 1,211 |
| Loan loss allowance to noncurrent loans | 690.9091% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 4,212 |
| Noncurrent loans to loans | 0.2333% | 4,130 |
| Net loans and leases to total assets | 50.4909% | 4,668 |
| Net loans and leases to deposits | 56.5623% | 4,838 |
| Net loans and leases to core deposits | 66.1116% | 4,475 |
| Total domestic deposits to total assets | 89.2659% | 755 |
| Equity capital to assets | 10.0914% | 3,813 |
| Core capital (leverage) ratio | 9.2946% | 4,413 |
| Tier 1 risk-based capital ratio | 16.6126% | 2,281 |
| Total risk-based capital ratio | 17.8659% | 2,234 |
| Memoranda: | ||
| Average total assets | $464,377,500 | 1,502 |
| Average earning assets | $439,003,000 | 1,483 |
| Average equity | $45,385,500 | 1,668 |
| Average total loans | $231,936,000 | 1,933 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9090% | 3,527 |
| Cost of funding earning assets | 0.4562% | 2,545 |
| Net interest margin | 3.4528% | 3,580 |
| Noninterest income to average assets | 0.2553% | 4,707 |
| Noninterest expense to average assets | 2.1147% | 4,746 |
| Loan and lease loss provision to assets | 0.1037% | 1,953 |
| Net operating income to assets | 0.9492% | 2,666 |
| Return on assets (ROA) | 0.9457% | 2,748 |
| Pretax return on assets | 1.2891% | 2,430 |
| Return on Equity (ROE) | 9.7835% | 2,134 |
| Retained earnings to average equity (ytd only) | 7.8840% | 1,215 |
| Net charge-offs to loans | 0.0934% | 1,684 |
| Credit loss provision to net charge-offs | 224.2991% | 1,162 |
| Earnings coverage of net charge-offs (x) | 30.2336% | 1,458 |
| Efficiency ratio | 59.2743% | 4,431 |
| Assets per employee ($millions) | 4.5696% | 2,989 |
| Cash dividends to net income (ytd only)* | 19.4153% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6349% | 1,186 |
| Loan loss allowance to noncurrent loans | 579.8193% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.2429% | 4,168 |
| Noncurrent loans to loans | 0.2820% | 4,031 |
| Net loans and leases to total assets | 49.6979% | 4,729 |
| Net loans and leases to deposits | 55.5231% | 4,874 |
| Net loans and leases to core deposits | 64.5590% | 4,564 |
| Total domestic deposits to total assets | 89.5085% | 725 |
| Equity capital to assets | 9.9987% | 3,911 |
| Core capital (leverage) ratio | 9.1321% | 4,576 |
| Tier 1 risk-based capital ratio | 16.4688% | 2,338 |
| Total risk-based capital ratio | 17.7223% | 2,283 |
| Memoranda: | ||
| Average total assets | $462,945,000 | 1,512 |
| Average earning assets | $436,686,330 | 1,499 |
| Average equity | $44,748,670 | 1,684 |
| Average total loans | $229,076,670 | 1,948 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 3,734 |
| Cost of funding earning assets | 0.4385% | 2,633 |
| Net interest margin | 3.3719% | 3,750 |
| Noninterest income to average assets | 0.2332% | 4,874 |
| Noninterest expense to average assets | 2.1657% | 4,731 |
| Loan and lease loss provision to assets | 0.1040% | 1,835 |
| Net operating income to assets | 0.8585% | 2,954 |
| Return on assets (ROA) | 0.8592% | 2,997 |
| Pretax return on assets | 1.1314% | 2,855 |
| Return on Equity (ROE) | 9.0459% | 2,393 |
| Retained earnings to average equity (ytd only) | 7.1016% | 1,813 |
| Net charge-offs to loans | 0.1859% | 916 |
| Credit loss provision to net charge-offs | 114.2857% | 1,447 |
| Earnings coverage of net charge-offs (x) | 13.5619% | 1,774 |
| Efficiency ratio | 62.7231% | 4,033 |
| Assets per employee ($millions) | 4.5605% | 3,077 |
| Cash dividends to net income (ytd only)* | 21.4934% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 1,182 |
| Loan loss allowance to noncurrent loans | 362.3301% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 3,534 |
| Noncurrent loans to loans | 0.4639% | 3,427 |
| Net loans and leases to total assets | 47.3966% | 4,866 |
| Net loans and leases to deposits | 52.7308% | 4,995 |
| Net loans and leases to core deposits | 59.2226% | 4,818 |
| Total domestic deposits to total assets | 89.8840% | 712 |
| Equity capital to assets | 9.6752% | 4,094 |
| Core capital (leverage) ratio | 9.0951% | 4,625 |
| Tier 1 risk-based capital ratio | 16.5260% | 2,349 |
| Total risk-based capital ratio | 17.7796% | 2,297 |
| Memoranda: | ||
| Average total assets | $461,366,500 | 1,526 |
| Average earning assets | $433,342,500 | 1,510 |
| Average equity | $43,821,000 | 1,715 |
| Average total loans | $225,868,500 | 1,978 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 3,929 |
| Cost of funding earning assets | 0.4860% | 2,197 |
| Net interest margin | 3.3094% | 4,110 |
| Noninterest income to average assets | 0.2641% | 4,843 |
| Noninterest expense to average assets | 2.0729% | 5,045 |
| Loan and lease loss provision to assets | 0.1014% | 2,347 |
| Net operating income to assets | 0.9112% | 2,766 |
| Return on assets (ROA) | 0.9201% | 2,839 |
| Pretax return on assets | 1.2651% | 2,419 |
| Return on Equity (ROE) | 9.4168% | 2,225 |
| Retained earnings to average equity (ytd only) | -6.9103% | 5,727 |
| Net charge-offs to loans | 0.1565% | 1,709 |
| Credit loss provision to net charge-offs | 133.5548% | 2,028 |
| Earnings coverage of net charge-offs (x) | 17.8405% | 2,013 |
| Efficiency ratio | 60.4827% | 4,508 |
| Assets per employee ($millions) | 4.3569% | 3,352 |
| Cash dividends to net income (ytd only)* | 173.3827% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 789 |
| Loan loss allowance to noncurrent loans | 466.3739% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 3,770 |
| Noncurrent loans to loans | 0.4098% | 3,678 |
| Net loans and leases to total assets | 50.3296% | 4,742 |
| Net loans and leases to deposits | 55.5042% | 4,940 |
| Net loans and leases to core deposits | 65.3379% | 4,561 |
| Total domestic deposits to total assets | 90.6772% | 391 |
| Equity capital to assets | 8.8598% | 4,958 |
| Core capital (leverage) ratio | 8.4687% | 5,291 |
| Tier 1 risk-based capital ratio | 15.5685% | 2,716 |
| Total risk-based capital ratio | 16.8253% | 2,647 |
| Memoranda: | ||
| Average total assets | $396,494,400 | 1,700 |
| Average earning assets | $378,984,800 | 1,641 |
| Average equity | $38,739,200 | 1,895 |
| Average total loans | $192,319,400 | 2,186 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7696% | 4,021 |
| Cost of funding earning assets | 0.4785% | 2,280 |
| Net interest margin | 3.2910% | 4,217 |
| Noninterest income to average assets | 0.2548% | 4,934 |
| Noninterest expense to average assets | 2.0712% | 5,063 |
| Loan and lease loss provision to assets | 0.0971% | 2,282 |
| Net operating income to assets | 0.9015% | 2,896 |
| Return on assets (ROA) | 0.9137% | 2,968 |
| Pretax return on assets | 1.2530% | 2,610 |
| Return on Equity (ROE) | 9.1500% | 2,424 |
| Retained earnings to average equity (ytd only) | 7.0249% | 1,620 |
| Net charge-offs to loans | 0.1363% | 1,616 |
| Credit loss provision to net charge-offs | 148.9796% | 1,784 |
| Earnings coverage of net charge-offs (x) | 20.4538% | 1,874 |
| Efficiency ratio | 60.8343% | 4,421 |
| Assets per employee ($millions) | 4.3820% | 3,280 |
| Cash dividends to net income (ytd only)* | 23.2254% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 856 |
| Loan loss allowance to noncurrent loans | 471.0660% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 4,395 |
| Noncurrent loans to loans | 0.4030% | 3,833 |
| Net loans and leases to total assets | 48.1077% | 4,952 |
| Net loans and leases to deposits | 54.7322% | 5,070 |
| Net loans and leases to core deposits | 68.2837% | 4,443 |
| Total domestic deposits to total assets | 87.8964% | 1,449 |
| Equity capital to assets | 10.4252% | 3,641 |
| Core capital (leverage) ratio | 9.4746% | 4,209 |
| Tier 1 risk-based capital ratio | 17.5118% | 2,074 |
| Total risk-based capital ratio | 18.7682% | 2,037 |
| Memoranda: | ||
| Average total assets | $400,855,250 | 1,683 |
| Average earning assets | $383,661,000 | 1,630 |
| Average equity | $40,028,250 | 1,855 |
| Average total loans | $191,776,250 | 2,189 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 4,076 |
| Cost of funding earning assets | 0.4744% | 2,321 |
| Net interest margin | 3.2892% | 4,268 |
| Noninterest income to average assets | 0.2495% | 4,983 |
| Noninterest expense to average assets | 2.0236% | 5,224 |
| Loan and lease loss provision to assets | 0.1091% | 2,046 |
| Net operating income to assets | 0.9196% | 2,771 |
| Return on assets (ROA) | 0.9389% | 2,822 |
| Pretax return on assets | 1.2925% | 2,438 |
| Return on Equity (ROE) | 9.5410% | 2,256 |
| Retained earnings to average equity (ytd only) | 7.3898% | 1,434 |
| Net charge-offs to loans | 0.1585% | 1,383 |
| Credit loss provision to net charge-offs | 145.0331% | 1,631 |
| Earnings coverage of net charge-offs (x) | 18.2848% | 1,835 |
| Efficiency ratio | 59.5399% | 4,703 |
| Assets per employee ($millions) | 4.6000% | 2,867 |
| Cash dividends to net income (ytd only)* | 22.5464% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8848% | 919 |
| Loan loss allowance to noncurrent loans | 484.0999% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 4,488 |
| Noncurrent loans to loans | 0.3893% | 3,965 |
| Net loans and leases to total assets | 47.3755% | 5,043 |
| Net loans and leases to deposits | 53.5346% | 5,159 |
| Net loans and leases to core deposits | 68.1893% | 4,460 |
| Total domestic deposits to total assets | 88.4951% | 1,168 |
| Equity capital to assets | 10.2378% | 3,927 |
| Core capital (leverage) ratio | 9.2723% | 4,494 |
| Tier 1 risk-based capital ratio | 17.1794% | 2,159 |
| Total risk-based capital ratio | 18.4358% | 2,121 |
| Memoranda: | ||
| Average total assets | $401,551,670 | 1,682 |
| Average earning assets | $384,468,330 | 1,627 |
| Average equity | $39,513,670 | 1,878 |
| Average total loans | $190,518,670 | 2,204 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 4,132 |
| Cost of funding earning assets | 0.4717% | 2,355 |
| Net interest margin | 3.2800% | 4,302 |
| Noninterest income to average assets | 0.2560% | 4,905 |
| Noninterest expense to average assets | 1.9924% | 5,359 |
| Loan and lease loss provision to assets | 0.1100% | 1,891 |
| Net operating income to assets | 0.9434% | 2,540 |
| Return on assets (ROA) | 0.9522% | 2,620 |
| Pretax return on assets | 1.3092% | 2,265 |
| Return on Equity (ROE) | 9.8783% | 2,039 |
| Retained earnings to average equity (ytd only) | 7.6682% | 1,603 |
| Net charge-offs to loans | 0.0340% | 2,285 |
| Credit loss provision to net charge-offs | 687.5000% | 489 |
| Earnings coverage of net charge-offs (x) | 87.9375% | 592 |
| Efficiency ratio | 58.6055% | 4,927 |
| Assets per employee ($millions) | 4.7207% | 2,711 |
| Cash dividends to net income (ytd only)* | 22.3739% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9648% | 870 |
| Loan loss allowance to noncurrent loans | 555.3892% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 4,636 |
| Noncurrent loans to loans | 0.3538% | 4,161 |
| Net loans and leases to total assets | 46.1329% | 5,105 |
| Net loans and leases to deposits | 51.9959% | 5,230 |
| Net loans and leases to core deposits | 64.5174% | 4,656 |
| Total domestic deposits to total assets | 88.7242% | 1,238 |
| Equity capital to assets | 9.8169% | 4,319 |
| Core capital (leverage) ratio | 9.1394% | 4,677 |
| Tier 1 risk-based capital ratio | 17.2256% | 2,202 |
| Total risk-based capital ratio | 18.4824% | 2,170 |
| Memoranda: | ||
| Average total assets | $399,926,500 | 1,688 |
| Average earning assets | $383,292,500 | 1,633 |
| Average equity | $38,549,000 | 1,909 |
| Average total loans | $188,047,500 | 2,228 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7678% | 4,141 |
| Cost of funding earning assets | 0.4600% | 2,535 |
| Net interest margin | 3.3078% | 4,271 |
| Noninterest income to average assets | 0.2926% | 4,796 |
| Noninterest expense to average assets | 2.0354% | 5,386 |
| Loan and lease loss provision to assets | 0.1141% | 2,099 |
| Net operating income to assets | 0.9624% | 2,564 |
| Return on assets (ROA) | 0.9597% | 2,651 |
| Pretax return on assets | 1.2954% | 2,304 |
| Return on Equity (ROE) | 10.1562% | 1,955 |
| Retained earnings to average equity (ytd only) | 7.8203% | 971 |
| Net charge-offs to loans | 0.0707% | 2,831 |
| Credit loss provision to net charge-offs | 343.7500% | 868 |
| Earnings coverage of net charge-offs (x) | 42.5625% | 1,118 |
| Efficiency ratio | 59.0222% | 5,025 |
| Assets per employee ($millions) | 4.6894% | 2,742 |
| Cash dividends to net income (ytd only)* | 23.0000% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9309% | 907 |
| Loan loss allowance to noncurrent loans | 3,727.8351% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 5,266 |
| Noncurrent loans to loans | 0.0518% | 5,306 |
| Net loans and leases to total assets | 46.0761% | 5,153 |
| Net loans and leases to deposits | 51.1572% | 5,328 |
| Net loans and leases to core deposits | 63.1686% | 4,786 |
| Total domestic deposits to total assets | 90.0676% | 606 |
| Equity capital to assets | 9.4600% | 4,599 |
| Core capital (leverage) ratio | 9.0942% | 4,761 |
| Tier 1 risk-based capital ratio | 16.8659% | 2,334 |
| Total risk-based capital ratio | 18.1220% | 2,281 |
| Memoranda: | ||
| Average total assets | $385,523,600 | 1,705 |
| Average earning assets | $367,822,600 | 1,651 |
| Average equity | $36,430,800 | 1,958 |
| Average total loans | $181,105,800 | 2,229 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7652% | 4,200 |
| Cost of funding earning assets | 0.4576% | 2,613 |
| Net interest margin | 3.3076% | 4,310 |
| Noninterest income to average assets | 0.3055% | 4,754 |
| Noninterest expense to average assets | 2.0276% | 5,428 |
| Loan and lease loss provision to assets | 0.1116% | 2,019 |
| Net operating income to assets | 0.9730% | 2,610 |
| Return on assets (ROA) | 0.9665% | 2,724 |
| Pretax return on assets | 1.3115% | 2,352 |
| Return on Equity (ROE) | 10.2309% | 2,006 |
| Retained earnings to average equity (ytd only) | 7.8754% | 1,291 |
| Net charge-offs to loans | 0.0861% | 2,317 |
| Credit loss provision to net charge-offs | 275.8621% | 1,048 |
| Earnings coverage of net charge-offs (x) | 35.3886% | 1,351 |
| Efficiency ratio | 58.6106% | 5,049 |
| Assets per employee ($millions) | 4.5701% | 2,882 |
| Cash dividends to net income (ytd only)* | 23.0243% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8797% | 1,116 |
| Loan loss allowance to noncurrent loans | 1,938.1215% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 5,269 |
| Noncurrent loans to loans | 0.0970% | 5,245 |
| Net loans and leases to total assets | 46.5912% | 5,185 |
| Net loans and leases to deposits | 52.2502% | 5,356 |
| Net loans and leases to core deposits | 65.2161% | 4,746 |
| Total domestic deposits to total assets | 89.1695% | 934 |
| Equity capital to assets | 9.5670% | 4,671 |
| Core capital (leverage) ratio | 9.0562% | 4,928 |
| Tier 1 risk-based capital ratio | 16.6514% | 2,501 |
| Total risk-based capital ratio | 17.9074% | 2,460 |
| Memoranda: | ||
| Average total assets | $382,255,750 | 1,732 |
| Average earning assets | $364,484,250 | 1,677 |
| Average equity | $36,111,750 | 1,989 |
| Average total loans | $179,564,000 | 2,252 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7486% | 4,241 |
| Cost of funding earning assets | 0.4554% | 2,656 |
| Net interest margin | 3.2932% | 4,330 |
| Noninterest income to average assets | 0.3211% | 4,655 |
| Noninterest expense to average assets | 2.0662% | 5,404 |
| Loan and lease loss provision to assets | 0.1056% | 2,065 |
| Net operating income to assets | 0.9588% | 2,592 |
| Return on assets (ROA) | 0.9592% | 2,703 |
| Pretax return on assets | 1.2893% | 2,402 |
| Return on Equity (ROE) | 10.1979% | 1,978 |
| Retained earnings to average equity (ytd only) | 7.8112% | 1,341 |
| Net charge-offs to loans | 0.0858% | 2,181 |
| Credit loss provision to net charge-offs | 263.1579% | 1,010 |
| Earnings coverage of net charge-offs (x) | 34.7368% | 1,237 |
| Efficiency ratio | 59.7070% | 5,019 |
| Assets per employee ($millions) | 4.5545% | 2,895 |
| Cash dividends to net income (ytd only)* | 23.4031% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9016% | 1,160 |
| Loan loss allowance to noncurrent loans | 1,464.9573% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 5,304 |
| Noncurrent loans to loans | 0.1298% | 5,232 |
| Net loans and leases to total assets | 46.2228% | 5,229 |
| Net loans and leases to deposits | 51.2770% | 5,429 |
| Net loans and leases to core deposits | 64.5320% | 4,773 |
| Total domestic deposits to total assets | 90.1434% | 602 |
| Equity capital to assets | 9.3430% | 4,844 |
| Core capital (leverage) ratio | 8.9641% | 5,019 |
| Tier 1 risk-based capital ratio | 16.8203% | 2,476 |
| Total risk-based capital ratio | 18.0767% | 2,432 |
| Memoranda: | ||
| Average total assets | $378,664,670 | 1,755 |
| Average earning assets | $360,987,670 | 1,698 |
| Average equity | $35,615,330 | 2,018 |
| Average total loans | $177,210,330 | 2,282 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7053% | 4,345 |
| Cost of funding earning assets | 0.4515% | 2,755 |
| Net interest margin | 3.2538% | 4,408 |
| Noninterest income to average assets | 0.3058% | 4,741 |
| Noninterest expense to average assets | 2.0153% | 5,551 |
| Loan and lease loss provision to assets | 0.1274% | 1,628 |
| Net operating income to assets | 0.9564% | 2,470 |
| Return on assets (ROA) | 0.9556% | 2,611 |
| Pretax return on assets | 1.2689% | 2,390 |
| Return on Equity (ROE) | 10.1263% | 1,945 |
| Retained earnings to average equity (ytd only) | 7.7297% | 1,672 |
| Net charge-offs to loans | 0.0342% | 2,523 |
| Credit loss provision to net charge-offs | 800.0000% | 387 |
| Earnings coverage of net charge-offs (x) | 87.7333% | 547 |
| Efficiency ratio | 59.0541% | 5,218 |
| Assets per employee ($millions) | 4.5157% | 3,032 |
| Cash dividends to net income (ytd only)* | 23.6667% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 1,224 |
| Loan loss allowance to noncurrent loans | 374.6154% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 4,685 |
| Noncurrent loans to loans | 0.5157% | 4,032 |
| Net loans and leases to total assets | 45.6239% | 5,226 |
| Net loans and leases to deposits | 50.8014% | 5,405 |
| Net loans and leases to core deposits | 61.8300% | 4,849 |
| Total domestic deposits to total assets | 89.8084% | 840 |
| Equity capital to assets | 9.5489% | 4,693 |
| Core capital (leverage) ratio | 8.9535% | 5,004 |
| Tier 1 risk-based capital ratio | 16.8703% | 2,531 |
| Total risk-based capital ratio | 18.1267% | 2,480 |
| Memoranda: | ||
| Average total assets | $376,709,500 | 1,772 |
| Average earning assets | $359,704,000 | 1,705 |
| Average equity | $35,551,000 | 2,032 |
| Average total loans | $175,683,000 | 2,309 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8775% | 4,210 |
| Cost of funding earning assets | 0.4624% | 3,049 |
| Net interest margin | 3.4151% | 4,135 |
| Noninterest income to average assets | 0.3019% | 4,954 |
| Noninterest expense to average assets | 2.1386% | 5,486 |
| Loan and lease loss provision to assets | 0.1248% | 2,099 |
| Net operating income to assets | 0.9458% | 2,645 |
| Return on assets (ROA) | 0.9782% | 2,564 |
| Pretax return on assets | 1.3281% | 2,147 |
| Return on Equity (ROE) | 10.6138% | 1,855 |
| Retained earnings to average equity (ytd only) | 8.0536% | 1,004 |
| Net charge-offs to loans | 0.0862% | 3,258 |
| Credit loss provision to net charge-offs | 304.0541% | 855 |
| Earnings coverage of net charge-offs (x) | 34.3378% | 1,212 |
| Efficiency ratio | 60.2814% | 5,183 |
| Assets per employee ($millions) | 4.4535% | 3,113 |
| Cash dividends to net income (ytd only)* | 24.1213% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8891% | 1,339 |
| Loan loss allowance to noncurrent loans | 343.4511% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 4,664 |
| Noncurrent loans to loans | 0.5500% | 4,014 |
| Net loans and leases to total assets | 45.8682% | 5,334 |
| Net loans and leases to deposits | 50.9030% | 5,539 |
| Net loans and leases to core deposits | 62.4236% | 4,967 |
| Total domestic deposits to total assets | 90.1090% | 691 |
| Equity capital to assets | 9.3240% | 4,937 |
| Core capital (leverage) ratio | 8.7682% | 5,270 |
| Tier 1 risk-based capital ratio | 15.7899% | 3,068 |
| Total risk-based capital ratio | 17.0449% | 3,009 |
| Memoranda: | ||
| Average total assets | $360,663,000 | 1,807 |
| Average earning assets | $342,776,400 | 1,747 |
| Average equity | $33,239,800 | 2,093 |
| Average total loans | $171,763,800 | 2,307 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 4,259 |
| Cost of funding earning assets | 0.4615% | 3,138 |
| Net interest margin | 3.4131% | 4,181 |
| Noninterest income to average assets | 0.3034% | 5,014 |
| Noninterest expense to average assets | 2.0915% | 5,591 |
| Loan and lease loss provision to assets | 0.1231% | 2,026 |
| Net operating income to assets | 0.9749% | 2,571 |
| Return on assets (ROA) | 0.9676% | 2,672 |
| Pretax return on assets | 1.3187% | 2,309 |
| Return on Equity (ROE) | 10.5309% | 1,980 |
| Retained earnings to average equity (ytd only) | 7.9398% | 1,394 |
| Net charge-offs to loans | 0.1045% | 2,755 |
| Credit loss provision to net charge-offs | 246.2687% | 1,068 |
| Earnings coverage of net charge-offs (x) | 29.0377% | 1,402 |
| Efficiency ratio | 59.0249% | 5,308 |
| Assets per employee ($millions) | 4.2902% | 3,310 |
| Cash dividends to net income (ytd only)* | 24.6048% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7824% | 1,729 |
| Loan loss allowance to noncurrent loans | 606.8311% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 5,149 |
| Noncurrent loans to loans | 0.2937% | 5,026 |
| Net loans and leases to total assets | 48.3244% | 5,177 |
| Net loans and leases to deposits | 53.7134% | 5,411 |
| Net loans and leases to core deposits | 67.7372% | 4,533 |
| Total domestic deposits to total assets | 89.9670% | 745 |
| Equity capital to assets | 9.3968% | 4,928 |
| Core capital (leverage) ratio | 8.7633% | 5,376 |
| Tier 1 risk-based capital ratio | 15.3918% | 3,377 |
| Total risk-based capital ratio | 16.6461% | 3,311 |
| Memoranda: | ||
| Average total assets | $357,304,250 | 1,837 |
| Average earning assets | $339,193,250 | 1,777 |
| Average equity | $32,829,500 | 2,125 |
| Average total loans | $170,980,750 | 2,332 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 4,340 |
| Cost of funding earning assets | 0.4604% | 3,212 |
| Net interest margin | 3.3880% | 4,225 |
| Noninterest income to average assets | 0.3004% | 5,009 |
| Noninterest expense to average assets | 2.1333% | 5,555 |
| Loan and lease loss provision to assets | 0.1184% | 2,071 |
| Net operating income to assets | 0.9380% | 2,608 |
| Return on assets (ROA) | 0.9350% | 2,728 |
| Pretax return on assets | 1.2591% | 2,415 |
| Return on Equity (ROE) | 10.2565% | 2,032 |
| Retained earnings to average equity (ytd only) | 7.6290% | 1,466 |
| Net charge-offs to loans | 0.1558% | 2,146 |
| Credit loss provision to net charge-offs | 160.3053% | 1,394 |
| Earnings coverage of net charge-offs (x) | 18.7099% | 1,667 |
| Efficiency ratio | 60.6960% | 5,192 |
| Assets per employee ($millions) | 4.3628% | 3,154 |
| Cash dividends to net income (ytd only)* | 25.6178% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7589% | 1,954 |
| Loan loss allowance to noncurrent loans | 520.4392% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 5,072 |
| Noncurrent loans to loans | 0.3380% | 5,002 |
| Net loans and leases to total assets | 47.5236% | 5,215 |
| Net loans and leases to deposits | 53.5577% | 5,388 |
| Net loans and leases to core deposits | 66.0962% | 4,635 |
| Total domestic deposits to total assets | 88.7334% | 1,512 |
| Equity capital to assets | 9.3178% | 4,961 |
| Core capital (leverage) ratio | 8.7425% | 5,349 |
| Tier 1 risk-based capital ratio | 15.2496% | 3,495 |
| Total risk-based capital ratio | 16.5033% | 3,443 |
| Memoranda: | ||
| Average total assets | $354,850,000 | 1,850 |
| Average earning assets | $336,660,330 | 1,788 |
| Average equity | $32,350,330 | 2,145 |
| Average total loans | $168,167,330 | 2,355 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 4,530 |
| Cost of funding earning assets | 0.4609% | 3,303 |
| Net interest margin | 3.3283% | 4,433 |
| Noninterest income to average assets | 0.2768% | 5,158 |
| Noninterest expense to average assets | 2.1013% | 5,675 |
| Loan and lease loss provision to assets | 0.1025% | 2,213 |
| Net operating income to assets | 0.9133% | 2,585 |
| Return on assets (ROA) | 0.9100% | 2,676 |
| Pretax return on assets | 1.2266% | 2,365 |
| Return on Equity (ROE) | 10.0964% | 2,000 |
| Retained earnings to average equity (ytd only) | 7.4048% | 1,858 |
| Net charge-offs to loans | 0.2988% | 1,168 |
| Credit loss provision to net charge-offs | 73.1707% | 1,966 |
| Earnings coverage of net charge-offs (x) | 9.5203% | 1,928 |
| Efficiency ratio | 61.1737% | 5,247 |
| Assets per employee ($millions) | 4.0917% | 3,733 |
| Cash dividends to net income (ytd only)* | 26.6583% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7754% | 2,117 |
| Loan loss allowance to noncurrent loans | 330.6236% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 5,003 |
| Noncurrent loans to loans | 0.5370% | 4,561 |
| Net loans and leases to total assets | 46.1441% | 5,319 |
| Net loans and leases to deposits | 51.5945% | 5,481 |
| Net loans and leases to core deposits | 62.5420% | 4,823 |
| Total domestic deposits to total assets | 89.4360% | 1,405 |
| Equity capital to assets | 9.0849% | 5,015 |
| Core capital (leverage) ratio | 8.7744% | 5,295 |
| Tier 1 risk-based capital ratio | 15.3462% | 3,524 |
| Total risk-based capital ratio | 16.5999% | 3,477 |
| Memoranda: | ||
| Average total assets | $351,217,500 | 1,868 |
| Average earning assets | $333,265,000 | 1,810 |
| Average equity | $31,655,000 | 2,173 |
| Average total loans | $164,665,500 | 2,401 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8301% | 4,695 |
| Cost of funding earning assets | 0.4898% | 3,713 |
| Net interest margin | 3.3403% | 4,519 |
| Noninterest income to average assets | 0.4318% | 4,216 |
| Noninterest expense to average assets | 2.3312% | 5,285 |
| Loan and lease loss provision to assets | 0.0963% | 3,194 |
| Net operating income to assets | 0.9137% | 2,712 |
| Return on assets (ROA) | 0.9114% | 2,810 |
| Pretax return on assets | 1.1577% | 2,737 |
| Return on Equity (ROE) | 9.7636% | 2,214 |
| Retained earnings to average equity (ytd only) | 7.0448% | 1,418 |
| Net charge-offs to loans | 0.1603% | 3,206 |
| Credit loss provision to net charge-offs | 129.7189% | 1,806 |
| Earnings coverage of net charge-offs (x) | 16.9277% | 1,757 |
| Efficiency ratio | 64.9684% | 4,739 |
| Assets per employee ($millions) | 4.2773% | 3,306 |
| Cash dividends to net income (ytd only)* | 27.8469% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8519% | 1,918 |
| Loan loss allowance to noncurrent loans | 337.6828% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 4,733 |
| Noncurrent loans to loans | 0.5484% | 4,619 |
| Net loans and leases to total assets | 45.9212% | 5,497 |
| Net loans and leases to deposits | 50.7077% | 5,712 |
| Net loans and leases to core deposits | 60.8184% | 5,153 |
| Total domestic deposits to total assets | 90.5606% | 778 |
| Equity capital to assets | 8.9390% | 5,109 |
| Core capital (leverage) ratio | 8.8160% | 5,254 |
| Tier 1 risk-based capital ratio | 15.5680% | 3,330 |
| Total risk-based capital ratio | 16.8228% | 3,281 |
| Memoranda: | ||
| Average total assets | $335,317,800 | 1,918 |
| Average earning assets | $316,856,800 | 1,879 |
| Average equity | $31,299,800 | 2,168 |
| Average total loans | $155,355,000 | 2,487 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 4,749 |
| Cost of funding earning assets | 0.4944% | 3,824 |
| Net interest margin | 3.3307% | 4,532 |
| Noninterest income to average assets | 0.3681% | 4,760 |
| Noninterest expense to average assets | 2.2345% | 5,520 |
| Loan and lease loss provision to assets | 0.0898% | 3,262 |
| Net operating income to assets | 0.8950% | 2,856 |
| Return on assets (ROA) | 0.8941% | 2,981 |
| Pretax return on assets | 1.1892% | 2,749 |
| Return on Equity (ROE) | 9.4743% | 2,404 |
| Retained earnings to average equity (ytd only) | 6.7637% | 1,992 |
| Net charge-offs to loans | 0.0963% | 3,598 |
| Credit loss provision to net charge-offs | 201.8018% | 1,195 |
| Earnings coverage of net charge-offs (x) | 28.7651% | 1,271 |
| Efficiency ratio | 63.5752% | 4,875 |
| Assets per employee ($millions) | 4.0443% | 3,743 |
| Cash dividends to net income (ytd only)* | 28.6100% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9185% | 1,949 |
| Loan loss allowance to noncurrent loans | 216.5954% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6399% | 4,522 |
| Noncurrent loans to loans | 0.8858% | 4,053 |
| Net loans and leases to total assets | 46.3139% | 5,516 |
| Net loans and leases to deposits | 51.3511% | 5,758 |
| Net loans and leases to core deposits | 62.8563% | 5,028 |
| Total domestic deposits to total assets | 90.1906% | 899 |
| Equity capital to assets | 9.2273% | 4,901 |
| Core capital (leverage) ratio | 8.8411% | 5,343 |
| Tier 1 risk-based capital ratio | 15.5233% | 3,462 |
| Total risk-based capital ratio | 16.7750% | 3,419 |
| Memoranda: | ||
| Average total assets | $332,532,000 | 1,944 |
| Average earning assets | $314,159,250 | 1,903 |
| Average equity | $31,382,250 | 2,183 |
| Average total loans | $153,668,500 | 2,517 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7984% | 4,839 |
| Cost of funding earning assets | 0.5009% | 3,888 |
| Net interest margin | 3.2975% | 4,592 |
| Noninterest income to average assets | 0.3548% | 4,852 |
| Noninterest expense to average assets | 2.2143% | 5,597 |
| Loan and lease loss provision to assets | 0.0905% | 3,275 |
| Net operating income to assets | 0.8708% | 2,950 |
| Return on assets (ROA) | 0.8712% | 3,101 |
| Pretax return on assets | 1.1687% | 2,810 |
| Return on Equity (ROE) | 9.1629% | 2,551 |
| Retained earnings to average equity (ytd only) | 6.4661% | 2,166 |
| Net charge-offs to loans | 0.1013% | 3,348 |
| Credit loss provision to net charge-offs | 194.8052% | 1,215 |
| Earnings coverage of net charge-offs (x) | 27.0909% | 1,223 |
| Efficiency ratio | 63.7596% | 4,904 |
| Assets per employee ($millions) | 3.9669% | 3,879 |
| Cash dividends to net income (ytd only)* | 29.4321% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9211% | 2,052 |
| Loan loss allowance to noncurrent loans | 185.7054% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.9020% | 3,981 |
| Noncurrent loans to loans | 1.0345% | 3,864 |
| Net loans and leases to total assets | 46.5332% | 5,475 |
| Net loans and leases to deposits | 52.0906% | 5,685 |
| Net loans and leases to core deposits | 63.4787% | 4,949 |
| Total domestic deposits to total assets | 89.3312% | 1,428 |
| Equity capital to assets | 9.2647% | 4,905 |
| Core capital (leverage) ratio | 8.6399% | 5,501 |
| Tier 1 risk-based capital ratio | 15.5510% | 3,453 |
| Total risk-based capital ratio | 16.8066% | 3,403 |
| Memoranda: | ||
| Average total assets | $331,483,670 | 1,958 |
| Average earning assets | $313,446,000 | 1,907 |
| Average equity | $31,518,330 | 2,186 |
| Average total loans | $152,056,000 | 2,540 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7247% | 5,078 |
| Cost of funding earning assets | 0.5165% | 3,909 |
| Net interest margin | 3.2082% | 4,902 |
| Noninterest income to average assets | 0.3416% | 4,961 |
| Noninterest expense to average assets | 2.0866% | 5,940 |
| Loan and lease loss provision to assets | 0.1082% | 2,892 |
| Net operating income to assets | 0.8713% | 2,799 |
| Return on assets (ROA) | 0.8731% | 2,936 |
| Pretax return on assets | 1.1822% | 2,641 |
| Return on Equity (ROE) | 9.0678% | 2,456 |
| Retained earnings to average equity (ytd only) | 6.4074% | 2,451 |
| Net charge-offs to loans | 0.0640% | 3,183 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 44.6250% | 729 |
| Efficiency ratio | 61.8318% | 5,326 |
| Assets per employee ($millions) | 4.1672% | 3,595 |
| Cash dividends to net income (ytd only)* | 29.3388% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9883% | 2,076 |
| Loan loss allowance to noncurrent loans | 131.2007% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7922% | 4,392 |
| Noncurrent loans to loans | 1.5154% | 3,278 |
| Net loans and leases to total assets | 44.8322% | 5,573 |
| Net loans and leases to deposits | 50.9096% | 5,719 |
| Net loans and leases to core deposits | 59.8065% | 5,168 |
| Total domestic deposits to total assets | 88.0625% | 2,273 |
| Equity capital to assets | 9.7556% | 4,490 |
| Core capital (leverage) ratio | 8.4943% | 5,599 |
| Tier 1 risk-based capital ratio | 15.9299% | 3,309 |
| Total risk-based capital ratio | 17.1862% | 3,269 |
| Memoranda: | ||
| Average total assets | $332,600,000 | 1,975 |
| Average earning assets | $314,443,000 | 1,931 |
| Average equity | $32,025,500 | 2,178 |
| Average total loans | $149,978,000 | 2,580 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 4,921 |
| Cost of funding earning assets | 0.6233% | 4,150 |
| Net interest margin | 3.4844% | 4,563 |
| Noninterest income to average assets | 0.3379% | 5,039 |
| Noninterest expense to average assets | 2.2376% | 5,842 |
| Loan and lease loss provision to assets | 0.2459% | 2,686 |
| Net operating income to assets | 0.8592% | 3,003 |
| Return on assets (ROA) | 0.8797% | 3,160 |
| Pretax return on assets | 1.1735% | 2,894 |
| Return on Equity (ROE) | 9.1230% | 2,582 |
| Retained earnings to average equity (ytd only) | 7.1781% | 1,484 |
| Net charge-offs to loans | 0.4930% | 2,264 |
| Credit loss provision to net charge-offs | 106.4120% | 2,793 |
| Earnings coverage of net charge-offs (x) | 6.0246% | 2,890 |
| Efficiency ratio | 61.6500% | 5,292 |
| Assets per employee ($millions) | 4.1999% | 3,547 |
| Cash dividends to net income (ytd only)* | 21.3185% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9602% | 2,130 |
| Loan loss allowance to noncurrent loans | 120.6925% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 4,442 |
| Noncurrent loans to loans | 1.6241% | 3,193 |
| Net loans and leases to total assets | 43.5852% | 5,852 |
| Net loans and leases to deposits | 48.5705% | 6,065 |
| Net loans and leases to core deposits | 61.1526% | 5,260 |
| Total domestic deposits to total assets | 89.7359% | 1,100 |
| Equity capital to assets | 9.5046% | 4,867 |
| Core capital (leverage) ratio | 8.5092% | 5,596 |
| Tier 1 risk-based capital ratio | 15.7068% | 3,312 |
| Total risk-based capital ratio | 16.9627% | 3,270 |
| Memoranda: | ||
| Average total assets | $317,260,800 | 2,021 |
| Average earning assets | $299,705,200 | 1,973 |
| Average equity | $30,593,000 | 2,217 |
| Average total loans | $148,677,200 | 2,589 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1827% | 4,876 |
| Cost of funding earning assets | 0.6483% | 4,214 |
| Net interest margin | 3.5343% | 4,508 |
| Noninterest income to average assets | 0.3485% | 5,028 |
| Noninterest expense to average assets | 2.2428% | 5,842 |
| Loan and lease loss provision to assets | 0.3310% | 1,980 |
| Net operating income to assets | 0.8406% | 3,260 |
| Return on assets (ROA) | 0.8685% | 3,381 |
| Pretax return on assets | 1.1555% | 3,142 |
| Return on Equity (ROE) | 8.9717% | 2,817 |
| Retained earnings to average equity (ytd only) | 7.0064% | 2,127 |
| Net charge-offs to loans | 0.3385% | 2,764 |
| Credit loss provision to net charge-offs | 205.8355% | 1,344 |
| Earnings coverage of net charge-offs (x) | 9.0133% | 2,375 |
| Efficiency ratio | 60.7440% | 5,366 |
| Assets per employee ($millions) | 4.1102% | 3,664 |
| Cash dividends to net income (ytd only)* | 21.9056% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1812% | 1,741 |
| Loan loss allowance to noncurrent loans | 105.9432% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.0468% | 4,204 |
| Noncurrent loans to loans | 2.0589% | 2,784 |
| Net loans and leases to total assets | 45.8811% | 5,776 |
| Net loans and leases to deposits | 51.4363% | 6,012 |
| Net loans and leases to core deposits | 63.4134% | 5,214 |
| Total domestic deposits to total assets | 89.1998% | 1,313 |
| Equity capital to assets | 9.8607% | 4,695 |
| Core capital (leverage) ratio | 8.5034% | 5,752 |
| Tier 1 risk-based capital ratio | 15.4173% | 3,589 |
| Total risk-based capital ratio | 16.6751% | 3,536 |
| Memoranda: | ||
| Average total assets | $312,577,250 | 2,076 |
| Average earning assets | $295,721,500 | 2,018 |
| Average equity | $30,257,500 | 2,254 |
| Average total loans | $148,503,500 | 2,627 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 4,729 |
| Cost of funding earning assets | 0.6794% | 4,184 |
| Net interest margin | 3.5778% | 4,357 |
| Noninterest income to average assets | 0.3246% | 5,231 |
| Noninterest expense to average assets | 2.2504% | 5,869 |
| Loan and lease loss provision to assets | 0.3704% | 1,770 |
| Net operating income to assets | 0.8200% | 3,302 |
| Return on assets (ROA) | 0.8499% | 3,416 |
| Pretax return on assets | 1.1249% | 3,210 |
| Return on Equity (ROE) | 8.8372% | 2,881 |
| Retained earnings to average equity (ytd only) | 6.8443% | 2,189 |
| Net charge-offs to loans | 0.2840% | 2,900 |
| Credit loss provision to net charge-offs | 273.3333% | 1,065 |
| Earnings coverage of net charge-offs (x) | 10.7429% | 2,023 |
| Efficiency ratio | 60.7174% | 5,464 |
| Assets per employee ($millions) | 4.0841% | 3,690 |
| Cash dividends to net income (ytd only)* | 22.5513% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1900% | 1,792 |
| Loan loss allowance to noncurrent loans | 111.6655% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.0128% | 4,347 |
| Noncurrent loans to loans | 1.9612% | 2,988 |
| Net loans and leases to total assets | 46.0863% | 5,817 |
| Net loans and leases to deposits | 51.5413% | 6,053 |
| Net loans and leases to core deposits | 63.5346% | 5,253 |
| Total domestic deposits to total assets | 89.4163% | 1,264 |
| Equity capital to assets | 9.7216% | 4,730 |
| Core capital (leverage) ratio | 8.4871% | 5,665 |
| Tier 1 risk-based capital ratio | 15.1833% | 3,644 |
| Total risk-based capital ratio | 16.4411% | 3,602 |
| Memoranda: | ||
| Average total assets | $309,904,330 | 2,098 |
| Average earning assets | $292,919,670 | 2,030 |
| Average equity | $29,805,670 | 2,267 |
| Average total loans | $147,880,330 | 2,645 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 4,648 |
| Cost of funding earning assets | 0.7013% | 4,275 |
| Net interest margin | 3.6207% | 4,176 |
| Noninterest income to average assets | 0.2523% | 5,839 |
| Noninterest expense to average assets | 2.1780% | 6,098 |
| Loan and lease loss provision to assets | 0.3823% | 1,645 |
| Net operating income to assets | 0.8371% | 3,211 |
| Return on assets (ROA) | 0.8946% | 3,162 |
| Pretax return on assets | 1.1924% | 2,939 |
| Return on Equity (ROE) | 9.3534% | 2,656 |
| Retained earnings to average equity (ytd only) | 7.3277% | 2,266 |
| Net charge-offs to loans | 0.2708% | 2,587 |
| Credit loss provision to net charge-offs | 294.0000% | 1,006 |
| Earnings coverage of net charge-offs (x) | 11.5200% | 1,666 |
| Efficiency ratio | 59.2501% | 5,732 |
| Assets per employee ($millions) | 3.9422% | 4,126 |
| Cash dividends to net income (ytd only)* | 21.6570% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1078% | 2,084 |
| Loan loss allowance to noncurrent loans | 99.3538% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.2118% | 4,105 |
| Noncurrent loans to loans | 2.1215% | 3,002 |
| Net loans and leases to total assets | 45.8553% | 5,798 |
| Net loans and leases to deposits | 51.1512% | 6,055 |
| Net loans and leases to core deposits | 61.1258% | 5,421 |
| Total domestic deposits to total assets | 89.6467% | 1,271 |
| Equity capital to assets | 9.5390% | 4,740 |
| Core capital (leverage) ratio | 8.4891% | 5,614 |
| Tier 1 risk-based capital ratio | 15.1306% | 3,670 |
| Total risk-based capital ratio | 16.3874% | 3,627 |
| Memoranda: | ||
| Average total assets | $307,619,000 | 2,114 |
| Average earning assets | $290,883,000 | 2,055 |
| Average equity | $29,422,500 | 2,298 |
| Average total loans | $147,733,000 | 2,666 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7709% | 3,938 |
| Cost of funding earning assets | 0.8759% | 4,286 |
| Net interest margin | 3.8950% | 3,359 |
| Noninterest income to average assets | 0.2763% | 5,554 |
| Noninterest expense to average assets | 2.3849% | 5,810 |
| Loan and lease loss provision to assets | 0.4816% | 2,192 |
| Net operating income to assets | 0.8166% | 2,968 |
| Return on assets (ROA) | 0.8196% | 3,120 |
| Pretax return on assets | 1.0520% | 3,028 |
| Return on Equity (ROE) | 8.7932% | 2,546 |
| Retained earnings to average equity (ytd only) | 6.6958% | 1,642 |
| Net charge-offs to loans | 0.5882% | 2,686 |
| Credit loss provision to net charge-offs | 157.2241% | 1,778 |
| Earnings coverage of net charge-offs (x) | 4.9943% | 2,924 |
| Efficiency ratio | 60.9222% | 5,616 |
| Assets per employee ($millions) | 3.8949% | 4,087 |
| Cash dividends to net income (ytd only)* | 23.8520% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9260% | 2,487 |
| Loan loss allowance to noncurrent loans | 79.8725% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.4230% | 3,859 |
| Noncurrent loans to loans | 2.4114% | 2,714 |
| Net loans and leases to total assets | 48.2880% | 5,795 |
| Net loans and leases to deposits | 53.9150% | 6,078 |
| Net loans and leases to core deposits | 65.4589% | 5,328 |
| Total domestic deposits to total assets | 89.5633% | 1,226 |
| Equity capital to assets | 9.5908% | 4,757 |
| Core capital (leverage) ratio | 8.5125% | 5,535 |
| Tier 1 risk-based capital ratio | 14.4619% | 3,996 |
| Total risk-based capital ratio | 15.7173% | 3,973 |
| Memoranda: | ||
| Average total assets | $286,975,600 | 2,219 |
| Average earning assets | $268,064,200 | 2,184 |
| Average equity | $26,748,000 | 2,417 |
| Average total loans | $149,437,400 | 2,651 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8432% | 3,816 |
| Cost of funding earning assets | 0.9224% | 4,256 |
| Net interest margin | 3.9208% | 3,274 |
| Noninterest income to average assets | 0.2683% | 5,697 |
| Noninterest expense to average assets | 2.4099% | 5,742 |
| Loan and lease loss provision to assets | 0.5234% | 1,889 |
| Net operating income to assets | 0.7809% | 3,248 |
| Return on assets (ROA) | 0.7813% | 3,415 |
| Pretax return on assets | 0.9874% | 3,448 |
| Return on Equity (ROE) | 8.4482% | 2,855 |
| Retained earnings to average equity (ytd only) | 6.3477% | 2,331 |
| Net charge-offs to loans | 0.6604% | 2,269 |
| Credit loss provision to net charge-offs | 150.0000% | 2,084 |
| Earnings coverage of net charge-offs (x) | 4.3284% | 3,102 |
| Efficiency ratio | 61.4746% | 5,488 |
| Assets per employee ($millions) | 3.8251% | 4,249 |
| Cash dividends to net income (ytd only)* | 24.8642% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8169% | 2,878 |
| Loan loss allowance to noncurrent loans | 73.2409% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.6307% | 3,640 |
| Noncurrent loans to loans | 2.4808% | 2,793 |
| Net loans and leases to total assets | 50.4174% | 5,654 |
| Net loans and leases to deposits | 56.3110% | 6,003 |
| Net loans and leases to core deposits | 68.6968% | 5,096 |
| Total domestic deposits to total assets | 89.5339% | 1,126 |
| Equity capital to assets | 9.4374% | 5,187 |
| Core capital (leverage) ratio | 8.2781% | 6,006 |
| Tier 1 risk-based capital ratio | 13.7565% | 4,533 |
| Total risk-based capital ratio | 15.0109% | 4,493 |
| Memoranda: | ||
| Average total assets | $282,769,000 | 2,251 |
| Average earning assets | $263,372,500 | 2,226 |
| Average equity | $26,150,750 | 2,464 |
| Average total loans | $149,401,500 | 2,669 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8616% | 3,803 |
| Cost of funding earning assets | 0.9585% | 4,258 |
| Net interest margin | 3.9032% | 3,295 |
| Noninterest income to average assets | 0.2711% | 5,704 |
| Noninterest expense to average assets | 2.3877% | 5,878 |
| Loan and lease loss provision to assets | 0.6441% | 1,487 |
| Net operating income to assets | 0.7217% | 3,432 |
| Return on assets (ROA) | 0.7223% | 3,550 |
| Pretax return on assets | 0.8736% | 3,743 |
| Return on Equity (ROE) | 7.8665% | 3,003 |
| Retained earnings to average equity (ytd only) | 5.8042% | 2,541 |
| Net charge-offs to loans | 0.8710% | 1,776 |
| Credit loss provision to net charge-offs | 138.5802% | 2,202 |
| Earnings coverage of net charge-offs (x) | 3.2639% | 3,236 |
| Efficiency ratio | 61.1499% | 5,707 |
| Assets per employee ($millions) | 3.6087% | 4,663 |
| Cash dividends to net income (ytd only)* | 26.2165% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7288% | 3,231 |
| Loan loss allowance to noncurrent loans | 62.6759% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.7212% | 3,615 |
| Noncurrent loans to loans | 2.7583% | 2,643 |
| Net loans and leases to total assets | 52.4003% | 5,513 |
| Net loans and leases to deposits | 58.4082% | 5,885 |
| Net loans and leases to core deposits | 71.5697% | 4,871 |
| Total domestic deposits to total assets | 89.7140% | 1,114 |
| Equity capital to assets | 9.3884% | 4,998 |
| Core capital (leverage) ratio | 8.4012% | 5,709 |
| Tier 1 risk-based capital ratio | 13.5250% | 4,505 |
| Total risk-based capital ratio | 14.7782% | 4,492 |
| Memoranda: | ||
| Average total assets | $278,848,330 | 2,303 |
| Average earning assets | $259,584,330 | 2,257 |
| Average equity | $25,602,330 | 2,500 |
| Average total loans | $148,787,670 | 2,703 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 4,201 |
| Cost of funding earning assets | 0.9855% | 4,304 |
| Net interest margin | 3.7848% | 3,678 |
| Noninterest income to average assets | 0.1161% | 6,834 |
| Noninterest expense to average assets | 2.3559% | 6,034 |
| Loan and lease loss provision to assets | 0.9125% | 874 |
| Net operating income to assets | 0.2782% | 5,509 |
| Return on assets (ROA) | 0.2771% | 5,574 |
| Pretax return on assets | 0.3728% | 5,419 |
| Return on Equity (ROE) | 3.0534% | 5,337 |
| Retained earnings to average equity (ytd only) | 1.2150% | 5,334 |
| Net charge-offs to loans | 1.7748% | 736 |
| Credit loss provision to net charge-offs | 96.3247% | 2,825 |
| Earnings coverage of net charge-offs (x) | 1.3583% | 3,667 |
| Efficiency ratio | 64.6754% | 5,244 |
| Assets per employee ($millions) | 3.4316% | 5,162 |
| Cash dividends to net income (ytd only)* | 60.2094% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 3,743 |
| Loan loss allowance to noncurrent loans | 55.9810% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.7697% | 3,616 |
| Noncurrent loans to loans | 2.8528% | 2,643 |
| Net loans and leases to total assets | 52.1807% | 5,554 |
| Net loans and leases to deposits | 58.6205% | 5,868 |
| Net loans and leases to core deposits | 68.2832% | 5,256 |
| Total domestic deposits to total assets | 89.0144% | 1,764 |
| Equity capital to assets | 9.0656% | 5,103 |
| Core capital (leverage) ratio | 8.3843% | 5,655 |
| Tier 1 risk-based capital ratio | 13.4879% | 4,422 |
| Total risk-based capital ratio | 14.7404% | 4,403 |
| Memoranda: | ||
| Average total assets | $275,729,500 | 2,339 |
| Average earning assets | $256,922,000 | 2,296 |
| Average equity | $25,021,000 | 2,541 |
| Average total loans | $147,174,500 | 2,752 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2589% | 3,316 |
| Cost of funding earning assets | 1.2898% | 3,951 |
| Net interest margin | 3.9691% | 3,157 |
| Noninterest income to average assets | 0.4061% | 4,862 |
| Noninterest expense to average assets | 2.6177% | 5,343 |
| Loan and lease loss provision to assets | 0.2914% | 4,466 |
| Net operating income to assets | 0.9005% | 2,385 |
| Return on assets (ROA) | 0.8996% | 2,521 |
| Pretax return on assets | 1.1955% | 2,239 |
| Return on Equity (ROE) | 9.8654% | 1,978 |
| Retained earnings to average equity (ytd only) | 7.4368% | 1,165 |
| Net charge-offs to loans | 0.1377% | 5,543 |
| Credit loss provision to net charge-offs | 381.9512% | 653 |
| Earnings coverage of net charge-offs (x) | 19.5024% | 1,054 |
| Efficiency ratio | 63.7567% | 5,393 |
| Assets per employee ($millions) | 3.3765% | 5,226 |
| Cash dividends to net income (ytd only)* | 24.6173% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 3,512 |
| Loan loss allowance to noncurrent loans | 64.3398% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 1.8037% | 3,619 |
| Noncurrent loans to loans | 2.5151% | 3,013 |
| Net loans and leases to total assets | 52.8615% | 5,804 |
| Net loans and leases to deposits | 59.3519% | 6,119 |
| Net loans and leases to core deposits | 69.3081% | 5,509 |
| Total domestic deposits to total assets | 89.0646% | 1,614 |
| Equity capital to assets | 9.0835% | 5,014 |
| Core capital (leverage) ratio | 8.2613% | 5,737 |
| Tier 1 risk-based capital ratio | 13.4893% | 4,215 |
| Total risk-based capital ratio | 14.7421% | 4,183 |
| Memoranda: | ||
| Average total assets | $268,670,400 | 2,373 |
| Average earning assets | $250,432,000 | 2,340 |
| Average equity | $24,499,800 | 2,608 |
| Average total loans | $148,925,200 | 2,793 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 3,300 |
| Cost of funding earning assets | 1.3576% | 3,848 |
| Net interest margin | 3.9526% | 3,310 |
| Noninterest income to average assets | 0.4167% | 4,824 |
| Noninterest expense to average assets | 2.6141% | 5,267 |
| Loan and lease loss provision to assets | 0.2273% | 4,799 |
| Net operating income to assets | 0.9374% | 2,463 |
| Return on assets (ROA) | 0.9382% | 2,595 |
| Pretax return on assets | 1.2642% | 2,284 |
| Return on Equity (ROE) | 10.2780% | 2,013 |
| Retained earnings to average equity (ytd only) | 7.8423% | 1,472 |
| Net charge-offs to loans | 0.0214% | 6,373 |
| Credit loss provision to net charge-offs | 1,900.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 124.5803% | 257 |
| Efficiency ratio | 63.6872% | 5,300 |
| Assets per employee ($millions) | 3.3356% | 5,371 |
| Cash dividends to net income (ytd only)* | 23.6981% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 4,103 |
| Loan loss allowance to noncurrent loans | 43.4918% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 2.1197% | 3,306 |
| Noncurrent loans to loans | 3.3803% | 2,356 |
| Net loans and leases to total assets | 55.3653% | 5,643 |
| Net loans and leases to deposits | 63.2124% | 6,004 |
| Net loans and leases to core deposits | 75.1150% | 5,167 |
| Total domestic deposits to total assets | 87.5861% | 2,218 |
| Equity capital to assets | 9.4625% | 4,901 |
| Core capital (leverage) ratio | 8.2576% | 5,951 |
| Tier 1 risk-based capital ratio | 13.2756% | 4,368 |
| Total risk-based capital ratio | 14.5268% | 4,333 |
| Memoranda: | ||
| Average total assets | $267,464,000 | 2,419 |
| Average earning assets | $249,550,250 | 2,379 |
| Average equity | $24,414,000 | 2,662 |
| Average total loans | $149,418,500 | 2,820 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3642% | 3,135 |
| Cost of funding earning assets | 1.3948% | 3,905 |
| Net interest margin | 3.9694% | 3,164 |
| Noninterest income to average assets | 0.3767% | 5,109 |
| Noninterest expense to average assets | 2.5555% | 5,505 |
| Loan and lease loss provision to assets | 0.2363% | 4,549 |
| Net operating income to assets | 0.9422% | 2,395 |
| Return on assets (ROA) | 0.9416% | 2,488 |
| Pretax return on assets | 1.2823% | 2,146 |
| Return on Equity (ROE) | 10.4453% | 1,945 |
| Retained earnings to average equity (ytd only) | 7.9734% | 1,447 |
| Net charge-offs to loans | 0.0215% | 6,038 |
| Credit loss provision to net charge-offs | 1,968.7500% | 209 |
| Earnings coverage of net charge-offs (x) | 126.5625% | 268 |
| Efficiency ratio | 62.7140% | 5,572 |
| Assets per employee ($millions) | 3.5112% | 4,904 |
| Cash dividends to net income (ytd only)* | 23.6653% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 4,492 |
| Loan loss allowance to noncurrent loans | 61.0352% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 1.3767% | 4,418 |
| Noncurrent loans to loans | 2.2709% | 3,408 |
| Net loans and leases to total assets | 55.2373% | 5,812 |
| Net loans and leases to deposits | 62.8197% | 6,156 |
| Net loans and leases to core deposits | 74.5470% | 5,383 |
| Total domestic deposits to total assets | 87.9298% | 2,042 |
| Equity capital to assets | 9.1692% | 5,191 |
| Core capital (leverage) ratio | 8.0880% | 6,141 |
| Tier 1 risk-based capital ratio | 13.1097% | 4,355 |
| Total risk-based capital ratio | 14.3603% | 4,309 |
| Memoranda: | ||
| Average total assets | $266,558,000 | 2,448 |
| Average earning assets | $248,348,330 | 2,409 |
| Average equity | $24,030,000 | 2,692 |
| Average total loans | $148,618,330 | 2,862 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1939% | 4,054 |
| Cost of funding earning assets | 1.4222% | 4,035 |
| Net interest margin | 3.7716% | 3,912 |
| Noninterest income to average assets | 0.3355% | 5,456 |
| Noninterest expense to average assets | 2.5648% | 5,493 |
| Loan and lease loss provision to assets | 0.2222% | 4,279 |
| Net operating income to assets | 0.7976% | 2,972 |
| Return on assets (ROA) | 0.7965% | 3,086 |
| Pretax return on assets | 1.0701% | 2,839 |
| Return on Equity (ROE) | 8.9133% | 2,527 |
| Retained earnings to average equity (ytd only) | 6.3932% | 2,422 |
| Net charge-offs to loans | 0.0027% | 5,585 |
| Credit loss provision to net charge-offs | 14,700.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 856.0000% | 24 |
| Efficiency ratio | 66.4708% | 5,015 |
| Assets per employee ($millions) | 3.5445% | 4,936 |
| Cash dividends to net income (ytd only)* | 28.2732% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3075% | 4,894 |
| Loan loss allowance to noncurrent loans | 61.1181% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 1.1820% | 4,813 |
| Noncurrent loans to loans | 2.1393% | 3,600 |
| Net loans and leases to total assets | 54.5270% | 5,958 |
| Net loans and leases to deposits | 63.0458% | 6,166 |
| Net loans and leases to core deposits | 72.7583% | 5,635 |
| Total domestic deposits to total assets | 86.4880% | 2,902 |
| Equity capital to assets | 8.8681% | 5,450 |
| Core capital (leverage) ratio | 8.0677% | 6,137 |
| Tier 1 risk-based capital ratio | 12.4526% | 4,791 |
| Total risk-based capital ratio | 13.6430% | 4,788 |
| Memoranda: | ||
| Average total assets | $264,656,500 | 2,520 |
| Average earning assets | $247,214,000 | 2,480 |
| Average equity | $23,650,000 | 2,755 |
| Average total loans | $147,208,000 | 2,940 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8018% | 2,645 |
| Cost of funding earning assets | 1.8925% | 3,501 |
| Net interest margin | 3.9093% | 3,233 |
| Noninterest income to average assets | 0.5021% | 4,387 |
| Noninterest expense to average assets | 2.7535% | 5,156 |
| Loan and lease loss provision to assets | 0.2193% | 5,610 |
| Net operating income to assets | 0.8623% | 2,304 |
| Return on assets (ROA) | 0.8666% | 2,360 |
| Pretax return on assets | 1.1717% | 2,030 |
| Return on Equity (ROE) | 9.6224% | 1,809 |
| Retained earnings to average equity (ytd only) | 6.8830% | 1,007 |
| Net charge-offs to loans | 0.2392% | 5,123 |
| Credit loss provision to net charge-offs | 155.1320% | 2,935 |
| Earnings coverage of net charge-offs (x) | 9.7977% | 1,754 |
| Efficiency ratio | 66.5298% | 5,287 |
| Assets per employee ($millions) | 3.4201% | 5,208 |
| Cash dividends to net income (ytd only)* | 28.4689% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 5,133 |
| Loan loss allowance to noncurrent loans | 198.2379% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 6,567 |
| Noncurrent loans to loans | 0.6237% | 5,993 |
| Net loans and leases to total assets | 55.3162% | 6,044 |
| Net loans and leases to deposits | 65.6212% | 6,093 |
| Net loans and leases to core deposits | 78.0455% | 6,255 |
| Total domestic deposits to total assets | 84.2962% | 3,894 |
| Equity capital to assets | 9.0066% | 5,138 |
| Core capital (leverage) ratio | 8.1807% | 5,849 |
| Tier 1 risk-based capital ratio | 12.2619% | 4,718 |
| Total risk-based capital ratio | 13.3679% | 4,803 |
| Memoranda: | ||
| Average total assets | $241,179,800 | 2,710 |
| Average earning assets | $224,359,800 | 2,660 |
| Average equity | $21,720,200 | 2,982 |
| Average total loans | $142,538,400 | 3,042 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8689% | 2,588 |
| Cost of funding earning assets | 1.9850% | 3,439 |
| Net interest margin | 3.8839% | 3,289 |
| Noninterest income to average assets | 0.5074% | 4,423 |
| Noninterest expense to average assets | 2.7541% | 5,088 |
| Loan and lease loss provision to assets | 0.1635% | 5,715 |
| Net operating income to assets | 0.8849% | 2,474 |
| Return on assets (ROA) | 0.8908% | 2,528 |
| Pretax return on assets | 1.2093% | 2,235 |
| Return on Equity (ROE) | 9.8913% | 1,957 |
| Retained earnings to average equity (ytd only) | 7.0304% | 1,490 |
| Net charge-offs to loans | 0.0950% | 5,727 |
| Credit loss provision to net charge-offs | 287.1287% | 1,452 |
| Earnings coverage of net charge-offs (x) | 23.9709% | 1,099 |
| Efficiency ratio | 66.8629% | 5,217 |
| Assets per employee ($millions) | 3.2413% | 5,540 |
| Cash dividends to net income (ytd only)* | 28.9242% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 5,121 |
| Loan loss allowance to noncurrent loans | 146.0693% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 5,879 |
| Noncurrent loans to loans | 0.8207% | 5,656 |
| Net loans and leases to total assets | 57.8131% | 5,914 |
| Net loans and leases to deposits | 69.5217% | 5,974 |
| Net loans and leases to core deposits | 82.3597% | 6,159 |
| Total domestic deposits to total assets | 83.1584% | 4,144 |
| Equity capital to assets | 9.4901% | 4,758 |
| Core capital (leverage) ratio | 8.5465% | 5,411 |
| Tier 1 risk-based capital ratio | 12.2537% | 4,741 |
| Total risk-based capital ratio | 13.3295% | 4,840 |
| Memoranda: | ||
| Average total assets | $236,492,000 | 2,762 |
| Average earning assets | $219,910,500 | 2,722 |
| Average equity | $21,297,500 | 3,059 |
| Average total loans | $141,777,000 | 3,082 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9525% | 2,374 |
| Cost of funding earning assets | 2.0660% | 3,446 |
| Net interest margin | 3.8865% | 3,172 |
| Noninterest income to average assets | 0.4957% | 4,484 |
| Noninterest expense to average assets | 2.7229% | 5,292 |
| Loan and lease loss provision to assets | 0.1029% | 6,141 |
| Net operating income to assets | 0.9193% | 2,382 |
| Return on assets (ROA) | 0.9279% | 2,444 |
| Pretax return on assets | 1.2924% | 2,045 |
| Return on Equity (ROE) | 10.5028% | 1,851 |
| Retained earnings to average equity (ytd only) | 7.6975% | 1,318 |
| Net charge-offs to loans | 0.0496% | 5,781 |
| Credit loss provision to net charge-offs | 342.8571% | 1,349 |
| Earnings coverage of net charge-offs (x) | 46.0857% | 729 |
| Efficiency ratio | 66.3116% | 5,495 |
| Assets per employee ($millions) | 3.2547% | 5,436 |
| Cash dividends to net income (ytd only)* | 26.7098% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 5,285 |
| Loan loss allowance to noncurrent loans | 152.1942% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.6115% | 5,889 |
| Noncurrent loans to loans | 0.7537% | 5,730 |
| Net loans and leases to total assets | 59.9462% | 5,685 |
| Net loans and leases to deposits | 71.1089% | 5,858 |
| Net loans and leases to core deposits | 82.7463% | 6,179 |
| Total domestic deposits to total assets | 84.3020% | 3,594 |
| Equity capital to assets | 9.4945% | 4,614 |
| Core capital (leverage) ratio | 8.6024% | 5,258 |
| Tier 1 risk-based capital ratio | 12.3898% | 4,607 |
| Total risk-based capital ratio | 13.4321% | 4,682 |
| Memoranda: | ||
| Average total assets | $233,208,670 | 2,823 |
| Average earning assets | $216,646,670 | 2,788 |
| Average equity | $20,604,000 | 3,160 |
| Average total loans | $140,987,330 | 3,127 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9470% | 2,576 |
| Cost of funding earning assets | 2.1378% | 3,475 |
| Net interest margin | 3.8092% | 3,408 |
| Noninterest income to average assets | 0.4780% | 4,526 |
| Noninterest expense to average assets | 2.7028% | 4,993 |
| Loan and lease loss provision to assets | 0.1032% | 5,649 |
| Net operating income to assets | 0.8678% | 2,851 |
| Return on assets (ROA) | 0.8666% | 3,000 |
| Pretax return on assets | 1.2087% | 2,598 |
| Return on Equity (ROE) | 10.1913% | 2,248 |
| Retained earnings to average equity (ytd only) | 7.3604% | 2,074 |
| Net charge-offs to loans | 0.0142% | 5,390 |
| Credit loss provision to net charge-offs | 1,200.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 152.8000% | 291 |
| Efficiency ratio | 67.2945% | 5,082 |
| Assets per employee ($millions) | 3.3018% | 5,319 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 5,344 |
| Loan loss allowance to noncurrent loans | 169.2473% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 5,818 |
| Noncurrent loans to loans | 0.6603% | 5,751 |
| Net loans and leases to total assets | 59.4055% | 5,755 |
| Net loans and leases to deposits | 70.5682% | 5,928 |
| Net loans and leases to core deposits | 82.6945% | 6,173 |
| Total domestic deposits to total assets | 84.1817% | 3,614 |
| Equity capital to assets | 8.6072% | 5,908 |
| Core capital (leverage) ratio | 7.8850% | 6,645 |
| Tier 1 risk-based capital ratio | 11.3766% | 5,528 |
| Total risk-based capital ratio | 12.4162% | 5,659 |
| Memoranda: | ||
| Average total assets | $232,645,500 | 2,846 |
| Average earning assets | $216,110,000 | 2,809 |
| Average equity | $19,781,500 | 3,290 |
| Average total loans | $140,428,500 | 3,161 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5857% | 2,550 |
| Cost of funding earning assets | 2.5971% | 3,703 |
| Net interest margin | 3.9886% | 3,171 |
| Noninterest income to average assets | 0.4684% | 4,891 |
| Noninterest expense to average assets | 2.7475% | 5,058 |
| Loan and lease loss provision to assets | 0.1132% | 5,923 |
| Net operating income to assets | 0.8961% | 3,012 |
| Return on assets (ROA) | 0.9136% | 2,796 |
| Pretax return on assets | 1.3240% | 2,225 |
| Return on Equity (ROE) | 10.4515% | 2,103 |
| Retained earnings to average equity (ytd only) | 7.2842% | 1,064 |
| Net charge-offs to loans | 0.0120% | 6,753 |
| Credit loss provision to net charge-offs | 1,500.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 187.0625% | 248 |
| Efficiency ratio | 66.0581% | 5,116 |
| Assets per employee ($millions) | 3.4457% | 4,807 |
| Cash dividends to net income (ytd only)* | 30.3046% | 4,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 4,907 |
| Loan loss allowance to noncurrent loans | 1,439.2857% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 6,231 |
| Noncurrent loans to loans | 0.0800% | 7,183 |
| Net loans and leases to total assets | 59.9524% | 5,913 |
| Net loans and leases to deposits | 72.2057% | 6,038 |
| Net loans and leases to core deposits | 83.5770% | 6,339 |
| Total domestic deposits to total assets | 83.0300% | 3,762 |
| Equity capital to assets | 8.3969% | 6,261 |
| Core capital (leverage) ratio | 7.9804% | 6,527 |
| Tier 1 risk-based capital ratio | 11.2588% | 5,480 |
| Total risk-based capital ratio | 12.2739% | 5,603 |
| Memoranda: | ||
| Average total assets | $212,011,800 | 2,981 |
| Average earning assets | $196,184,000 | 2,938 |
| Average equity | $18,533,200 | 3,470 |
| Average total loans | $133,215,000 | 3,217 |