Home > Belmont Bank & Trust Company > Performance and Condition Ratios
Belmont Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9504% | 677 |
| Cost of funding earning assets | 1.9939% | 927 |
| Net interest margin | 3.9565% | 1,270 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.8633% | 3,904 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.5082% | 1,004 |
| Return on assets (ROA) | 1.5112% | 968 |
| Pretax return on assets | 2.0778% | 600 |
| Return on Equity (ROE) | 14.6500% | 1,354 |
| Retained earnings to average equity (ytd only) | 14.6504% | 353 |
| Net charge-offs to loans | 0.0428% | 1,469 |
| Credit loss provision to net charge-offs | 225.4480% | 1,136 |
| Earnings coverage of net charge-offs (x) | 67.6989% | 1,117 |
| Efficiency ratio | 46.5414% | 4,176 |
| Assets per employee ($millions) | 16.0133% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,237 |
| Loan loss allowance to noncurrent loans | 249.5256% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 1,532 |
| Noncurrent loans to loans | 0.4850% | 1,571 |
| Net loans and leases to total assets | 72.9100% | 1,483 |
| Net loans and leases to deposits | 86.0311% | 1,613 |
| Net loans and leases to core deposits | 108.9232% | 997 |
| Total domestic deposits to total assets | 84.7500% | 2,397 |
| Equity capital to assets | 10.9400% | 1,502 |
| Core capital (leverage) ratio | 12.1612% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0849% | 1,067 |
| Memoranda: | ||
| Average total assets | $882,524,600 | 1,101 |
| Average earning assets | $845,823,000 | 1,062 |
| Average equity | $91,035,200 | 1,020 |
| Average total loans | $652,010,400 | 1,027 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8772% | 623 |
| Cost of funding earning assets | 1.8553% | 923 |
| Net interest margin | 4.0218% | 1,188 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.8310% | 3,921 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.5467% | 1,031 |
| Return on assets (ROA) | 1.5506% | 1,011 |
| Pretax return on assets | 2.1510% | 597 |
| Return on Equity (ROE) | 15.2700% | 1,402 |
| Retained earnings to average equity (ytd only) | 15.2737% | 526 |
| Net charge-offs to loans | 0.0536% | 1,140 |
| Credit loss provision to net charge-offs | 215.3846% | 1,070 |
| Earnings coverage of net charge-offs (x) | 56.3192% | 1,243 |
| Efficiency ratio | 45.0730% | 4,187 |
| Assets per employee ($millions) | 16.1159% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 2,299 |
| Loan loss allowance to noncurrent loans | 936.6474% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 2,943 |
| Noncurrent loans to loans | 0.1295% | 2,905 |
| Net loans and leases to total assets | 73.1400% | 1,457 |
| Net loans and leases to deposits | 83.9054% | 1,746 |
| Net loans and leases to core deposits | 109.2247% | 903 |
| Total domestic deposits to total assets | 87.1700% | 1,835 |
| Equity capital to assets | 10.0285% | 1,820 |
| Core capital (leverage) ratio | 11.8704% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6754% | 1,160 |
| Memoranda: | ||
| Average total assets | $874,966,500 | 1,114 |
| Average earning assets | $838,068,250 | 1,076 |
| Average equity | $88,830,000 | 1,036 |
| Average total loans | $646,603,750 | 1,029 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7508% | 596 |
| Cost of funding earning assets | 1.6651% | 939 |
| Net interest margin | 4.0858% | 1,104 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.8238% | 3,953 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.6013% | 947 |
| Return on assets (ROA) | 1.6073% | 938 |
| Pretax return on assets | 2.2266% | 514 |
| Return on Equity (ROE) | 15.7700% | 1,308 |
| Retained earnings to average equity (ytd only) | 15.7650% | 496 |
| Net charge-offs to loans | 0.0353% | 1,194 |
| Credit loss provision to net charge-offs | 353.9823% | 782 |
| Earnings coverage of net charge-offs (x) | 88.5487% | 998 |
| Efficiency ratio | 44.1037% | 4,252 |
| Assets per employee ($millions) | 15.0096% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,249 |
| Loan loss allowance to noncurrent loans | 349.8702% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 1,898 |
| Noncurrent loans to loans | 0.3532% | 1,872 |
| Net loans and leases to total assets | 73.0100% | 1,409 |
| Net loans and leases to deposits | 84.9345% | 1,594 |
| Net loans and leases to core deposits | 109.4692% | 848 |
| Total domestic deposits to total assets | 85.9600% | 2,239 |
| Equity capital to assets | 10.3358% | 1,668 |
| Core capital (leverage) ratio | 11.9211% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5982% | 1,190 |
| Memoranda: | ||
| Average total assets | $865,791,333 | 1,109 |
| Average earning assets | $831,322,000 | 1,076 |
| Average equity | $88,271,333 | 1,036 |
| Average total loans | $639,405,667 | 1,024 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6609% | 477 |
| Cost of funding earning assets | 1.3801% | 1,067 |
| Net interest margin | 4.2808% | 835 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.7941% | 4,037 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.7290% | 778 |
| Return on assets (ROA) | 1.7352% | 761 |
| Pretax return on assets | 2.4003% | 414 |
| Return on Equity (ROE) | 17.1400% | 1,151 |
| Retained earnings to average equity (ytd only) | 17.1418% | 581 |
| Net charge-offs to loans | 0.0095% | 1,586 |
| Credit loss provision to net charge-offs | 2,000.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 361.2667% | 314 |
| Efficiency ratio | 41.4668% | 4,406 |
| Assets per employee ($millions) | 16.4216% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,260 |
| Loan loss allowance to noncurrent loans | 326.3519% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 1,708 |
| Noncurrent loans to loans | 0.3848% | 1,776 |
| Net loans and leases to total assets | 74.4800% | 1,137 |
| Net loans and leases to deposits | 85.7193% | 1,378 |
| Net loans and leases to core deposits | 110.0436% | 705 |
| Total domestic deposits to total assets | 86.8800% | 2,314 |
| Equity capital to assets | 10.5793% | 1,522 |
| Core capital (leverage) ratio | 11.7332% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3496% | 1,301 |
| Memoranda: | ||
| Average total assets | $855,903,500 | 1,133 |
| Average earning assets | $822,553,000 | 1,097 |
| Average equity | $86,642,000 | 1,065 |
| Average total loans | $631,800,500 | 1,038 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 1,086 |
| Cost of funding earning assets | 0.5565% | 1,082 |
| Net interest margin | 3.7243% | 1,324 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.4816% | 4,440 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.5903% | 706 |
| Return on assets (ROA) | 1.5917% | 673 |
| Pretax return on assets | 2.1867% | 330 |
| Return on Equity (ROE) | 16.7600% | 902 |
| Retained earnings to average equity (ytd only) | 13.1984% | 480 |
| Net charge-offs to loans | 0.0130% | 1,893 |
| Credit loss provision to net charge-offs | 1,479.1667% | 333 |
| Earnings coverage of net charge-offs (x) | 283.6806% | 510 |
| Efficiency ratio | 39.1262% | 4,559 |
| Assets per employee ($millions) | 17.8726% | 121 |
| Cash dividends to net income (ytd only)* | 21.2706% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 1,920 |
| Loan loss allowance to noncurrent loans | 369.2272% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 1,892 |
| Noncurrent loans to loans | 0.3509% | 1,889 |
| Net loans and leases to total assets | 71.2800% | 1,496 |
| Net loans and leases to deposits | 79.7681% | 1,791 |
| Net loans and leases to core deposits | 98.8747% | 1,057 |
| Total domestic deposits to total assets | 89.3600% | 1,619 |
| Equity capital to assets | 9.6685% | 1,903 |
| Core capital (leverage) ratio | 11.0864% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3746% | 1,274 |
| Memoranda: | ||
| Average total assets | $886,084,200 | 1,091 |
| Average earning assets | $855,163,400 | 1,053 |
| Average equity | $84,131,600 | 1,087 |
| Average total loans | $553,595,200 | 1,097 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9779% | 1,311 |
| Cost of funding earning assets | 0.4213% | 1,149 |
| Net interest margin | 3.5567% | 1,500 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.4000% | 4,510 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.5348% | 766 |
| Return on assets (ROA) | 1.5348% | 748 |
| Pretax return on assets | 2.1233% | 362 |
| Return on Equity (ROE) | 16.2400% | 932 |
| Retained earnings to average equity (ytd only) | 16.2359% | 262 |
| Net charge-offs to loans | 0.0174% | 1,495 |
| Credit loss provision to net charge-offs | 892.8571% | 444 |
| Earnings coverage of net charge-offs (x) | 212.1143% | 603 |
| Efficiency ratio | 38.7105% | 4,602 |
| Assets per employee ($millions) | 21.2297% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 1,772 |
| Loan loss allowance to noncurrent loans | 499.2763% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 2,429 |
| Noncurrent loans to loans | 0.2719% | 2,286 |
| Net loans and leases to total assets | 61.8400% | 2,309 |
| Net loans and leases to deposits | 68.2940% | 2,513 |
| Net loans and leases to core deposits | 82.3190% | 1,743 |
| Total domestic deposits to total assets | 90.5600% | 1,416 |
| Equity capital to assets | 9.0083% | 2,210 |
| Core capital (leverage) ratio | 11.0152% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7810% | 1,029 |
| Memoranda: | ||
| Average total assets | $893,133,750 | 1,087 |
| Average earning assets | $863,036,250 | 1,050 |
| Average equity | $84,428,250 | 1,095 |
| Average total loans | $537,106,500 | 1,116 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 1,567 |
| Cost of funding earning assets | 0.3279% | 1,457 |
| Net interest margin | 3.3597% | 1,722 |
| Noninterest income to average assets | 0.1605% | 4,213 |
| Noninterest expense to average assets | 1.3657% | 4,557 |
| Loan and lease loss provision to assets | 0.0671% | 1,410 |
| Net operating income to assets | 1.4368% | 819 |
| Return on assets (ROA) | 1.4368% | 805 |
| Pretax return on assets | 1.9811% | 400 |
| Return on Equity (ROE) | 14.9656% | 903 |
| Retained earnings to average equity (ytd only) | 14.9656% | 268 |
| Net charge-offs to loans | 0.0249% | 1,226 |
| Credit loss provision to net charge-offs | 454.5455% | 659 |
| Earnings coverage of net charge-offs (x) | 138.6667% | 681 |
| Efficiency ratio | 40.0026% | 4,609 |
| Assets per employee ($millions) | 18.8572% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 2,140 |
| Loan loss allowance to noncurrent loans | 473.7940% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 2,513 |
| Noncurrent loans to loans | 0.2767% | 2,361 |
| Net loans and leases to total assets | 60.4416% | 2,280 |
| Net loans and leases to deposits | 66.7603% | 2,488 |
| Net loans and leases to core deposits | 78.7255% | 1,802 |
| Total domestic deposits to total assets | 90.5352% | 1,446 |
| Equity capital to assets | 9.0974% | 2,318 |
| Core capital (leverage) ratio | 10.4866% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2922% | 1,121 |
| Memoranda: | ||
| Average total assets | $893,629,667 | 1,080 |
| Average earning assets | $865,380,667 | 1,047 |
| Average equity | $85,797,000 | 1,100 |
| Average total loans | $529,799,667 | 1,123 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5086% | 1,788 |
| Cost of funding earning assets | 0.3040% | 1,624 |
| Net interest margin | 3.2046% | 1,867 |
| Noninterest income to average assets | 0.1491% | 4,261 |
| Noninterest expense to average assets | 1.2957% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4160% | 767 |
| Return on assets (ROA) | 1.4160% | 762 |
| Pretax return on assets | 1.9597% | 392 |
| Return on Equity (ROE) | 14.3642% | 766 |
| Retained earnings to average equity (ytd only) | 14.3642% | 343 |
| Net charge-offs to loans | 0.0085% | 1,431 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 395.4545% | 257 |
| Efficiency ratio | 39.8007% | 4,650 |
| Assets per employee ($millions) | 22.4184% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 2,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.6659% | 2,331 |
| Net loans and leases to deposits | 64.4951% | 2,482 |
| Net loans and leases to core deposits | 75.2883% | 1,823 |
| Total domestic deposits to total assets | 89.4113% | 1,861 |
| Equity capital to assets | 9.4952% | 2,286 |
| Core capital (leverage) ratio | 10.2603% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7888% | 1,084 |
| Memoranda: | ||
| Average total assets | $887,871,500 | 1,093 |
| Average earning assets | $860,635,000 | 1,055 |
| Average equity | $87,523,000 | 1,111 |
| Average total loans | $517,523,000 | 1,131 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7706% | 1,940 |
| Cost of funding earning assets | 0.3413% | 2,015 |
| Net interest margin | 3.4293% | 1,936 |
| Noninterest income to average assets | 0.1381% | 4,460 |
| Noninterest expense to average assets | 1.3187% | 4,668 |
| Loan and lease loss provision to assets | 0.0478% | 2,108 |
| Net operating income to assets | 1.5410% | 934 |
| Return on assets (ROA) | 1.5428% | 967 |
| Pretax return on assets | 2.1253% | 475 |
| Return on Equity (ROE) | 15.2167% | 903 |
| Retained earnings to average equity (ytd only) | 15.2167% | 208 |
| Net charge-offs to loans | 0.0428% | 1,421 |
| Credit loss provision to net charge-offs | 174.7788% | 1,391 |
| Earnings coverage of net charge-offs (x) | 79.3938% | 1,004 |
| Efficiency ratio | 37.7886% | 4,727 |
| Assets per employee ($millions) | 21.9752% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 2,015 |
| Loan loss allowance to noncurrent loans | 4,113.4503% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,942 |
| Noncurrent loans to loans | 0.0335% | 3,835 |
| Net loans and leases to total assets | 57.3236% | 2,441 |
| Net loans and leases to deposits | 64.5343% | 2,640 |
| Net loans and leases to core deposits | 75.1428% | 1,985 |
| Total domestic deposits to total assets | 88.8265% | 1,608 |
| Equity capital to assets | 10.2273% | 2,443 |
| Core capital (leverage) ratio | 10.0351% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0865% | 1,025 |
| Memoranda: | ||
| Average total assets | $826,501,800 | 1,125 |
| Average earning assets | $807,779,600 | 1,075 |
| Average equity | $83,796,000 | 1,160 |
| Average total loans | $528,147,600 | 1,114 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6162% | 2,505 |
| Cost of funding earning assets | 0.3558% | 2,055 |
| Net interest margin | 3.2604% | 2,545 |
| Noninterest income to average assets | 0.1284% | 4,551 |
| Noninterest expense to average assets | 1.3184% | 4,737 |
| Loan and lease loss provision to assets | 0.0483% | 2,032 |
| Net operating income to assets | 1.4222% | 1,466 |
| Return on assets (ROA) | 1.4228% | 1,532 |
| Pretax return on assets | 1.9502% | 865 |
| Return on Equity (ROE) | 14.0671% | 1,369 |
| Retained earnings to average equity (ytd only) | 14.0671% | 504 |
| Net charge-offs to loans | 0.0010% | 2,412 |
| Credit loss provision to net charge-offs | 7,375.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 3,046.7500% | 42 |
| Efficiency ratio | 39.7578% | 4,731 |
| Assets per employee ($millions) | 22.1063% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 2,145 |
| Loan loss allowance to noncurrent loans | 603.3727% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 3,198 |
| Noncurrent loans to loans | 0.2269% | 3,032 |
| Net loans and leases to total assets | 59.8089% | 2,289 |
| Net loans and leases to deposits | 67.2728% | 2,515 |
| Net loans and leases to core deposits | 79.1982% | 1,802 |
| Total domestic deposits to total assets | 88.9050% | 1,340 |
| Equity capital to assets | 10.0198% | 2,884 |
| Core capital (leverage) ratio | 9.8644% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5039% | 1,249 |
| Memoranda: | ||
| Average total assets | $813,375,250 | 1,148 |
| Average earning assets | $795,262,250 | 1,102 |
| Average equity | $82,270,250 | 1,192 |
| Average total loans | $532,456,250 | 1,135 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6245% | 2,551 |
| Cost of funding earning assets | 0.3787% | 2,060 |
| Net interest margin | 3.2458% | 2,616 |
| Noninterest income to average assets | 0.1305% | 4,550 |
| Noninterest expense to average assets | 1.2982% | 4,790 |
| Loan and lease loss provision to assets | 0.0715% | 1,630 |
| Net operating income to assets | 1.4186% | 1,519 |
| Return on assets (ROA) | 1.4186% | 1,583 |
| Pretax return on assets | 1.9372% | 938 |
| Return on Equity (ROE) | 13.9780% | 1,418 |
| Retained earnings to average equity (ytd only) | 13.9780% | 547 |
| Net charge-offs to loans | 0.0015% | 2,169 |
| Credit loss provision to net charge-offs | 7,125.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 2,001.5000% | 53 |
| Efficiency ratio | 39.2564% | 4,769 |
| Assets per employee ($millions) | 19.2436% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 2,287 |
| Loan loss allowance to noncurrent loans | 4,178.9474% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 4,148 |
| Noncurrent loans to loans | 0.0318% | 4,038 |
| Net loans and leases to total assets | 62.5831% | 2,112 |
| Net loans and leases to deposits | 70.2532% | 2,379 |
| Net loans and leases to core deposits | 83.2836% | 1,619 |
| Total domestic deposits to total assets | 89.0822% | 1,239 |
| Equity capital to assets | 9.8614% | 2,990 |
| Core capital (leverage) ratio | 10.0454% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3437% | 1,258 |
| Memoranda: | ||
| Average total assets | $797,118,000 | 1,163 |
| Average earning assets | $780,081,667 | 1,112 |
| Average equity | $80,898,667 | 1,206 |
| Average total loans | $535,676,000 | 1,133 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6281% | 2,549 |
| Cost of funding earning assets | 0.4093% | 2,015 |
| Net interest margin | 3.2188% | 2,640 |
| Noninterest income to average assets | 0.1165% | 4,600 |
| Noninterest expense to average assets | 1.2839% | 4,828 |
| Loan and lease loss provision to assets | 0.0622% | 1,888 |
| Net operating income to assets | 1.4082% | 1,554 |
| Return on assets (ROA) | 1.4082% | 1,625 |
| Pretax return on assets | 1.9230% | 1,073 |
| Return on Equity (ROE) | 13.6635% | 1,501 |
| Retained earnings to average equity (ytd only) | 13.6635% | 794 |
| Net charge-offs to loans | -0.0007% | 3,030 |
| Credit loss provision to net charge-offs | -12,000.0000% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2744% | 4,764 |
| Assets per employee ($millions) | 20.2997% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 2,577 |
| Loan loss allowance to noncurrent loans | 4,085.9649% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 4,218 |
| Noncurrent loans to loans | 0.0310% | 4,130 |
| Net loans and leases to total assets | 68.7371% | 1,437 |
| Net loans and leases to deposits | 77.1810% | 1,785 |
| Net loans and leases to core deposits | 92.1952% | 1,103 |
| Total domestic deposits to total assets | 89.0596% | 1,312 |
| Equity capital to assets | 10.0911% | 2,621 |
| Core capital (leverage) ratio | 10.0618% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2704% | 1,225 |
| Memoranda: | ||
| Average total assets | $772,317,500 | 1,183 |
| Average earning assets | $756,435,500 | 1,130 |
| Average equity | $79,599,000 | 1,215 |
| Average total loans | $534,989,500 | 1,135 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4412% | 1,459 |
| Cost of funding earning assets | 0.7493% | 1,451 |
| Net interest margin | 3.6919% | 1,827 |
| Noninterest income to average assets | 0.1733% | 4,416 |
| Noninterest expense to average assets | 1.4225% | 4,825 |
| Loan and lease loss provision to assets | 0.3101% | 1,203 |
| Net operating income to assets | 1.4899% | 834 |
| Return on assets (ROA) | 1.4990% | 889 |
| Pretax return on assets | 2.0372% | 422 |
| Return on Equity (ROE) | 14.9414% | 650 |
| Retained earnings to average equity (ytd only) | 14.8661% | 160 |
| Net charge-offs to loans | 0.0468% | 2,127 |
| Credit loss provision to net charge-offs | 931.8182% | 820 |
| Earnings coverage of net charge-offs (x) | 70.1909% | 975 |
| Efficiency ratio | 37.8492% | 4,916 |
| Assets per employee ($millions) | 19.3063% | 101 |
| Cash dividends to net income (ytd only)* | 0.5045% | 3,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 2,296 |
| Loan loss allowance to noncurrent loans | 4,014.6199% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,277 |
| Noncurrent loans to loans | 0.0330% | 4,176 |
| Net loans and leases to total assets | 67.9920% | 1,830 |
| Net loans and leases to deposits | 76.7090% | 2,209 |
| Net loans and leases to core deposits | 92.2872% | 1,367 |
| Total domestic deposits to total assets | 88.6362% | 1,149 |
| Equity capital to assets | 10.5330% | 2,642 |
| Core capital (leverage) ratio | 10.0363% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1366% | 1,231 |
| Memoranda: | ||
| Average total assets | $661,099,600 | 1,234 |
| Average earning assets | $641,950,800 | 1,188 |
| Average equity | $66,325,600 | 1,356 |
| Average total loans | $469,830,400 | 1,190 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 1,217 |
| Cost of funding earning assets | 0.8451% | 1,280 |
| Net interest margin | 3.7921% | 1,637 |
| Noninterest income to average assets | 0.1745% | 4,419 |
| Noninterest expense to average assets | 1.4797% | 4,821 |
| Loan and lease loss provision to assets | 0.3343% | 1,159 |
| Net operating income to assets | 1.4945% | 918 |
| Return on assets (ROA) | 1.5071% | 972 |
| Pretax return on assets | 2.0486% | 473 |
| Return on Equity (ROE) | 15.2459% | 654 |
| Retained earnings to average equity (ytd only) | 15.1402% | 194 |
| Net charge-offs to loans | 0.0548% | 1,825 |
| Credit loss provision to net charge-offs | 851.0638% | 936 |
| Earnings coverage of net charge-offs (x) | 60.2606% | 1,096 |
| Efficiency ratio | 38.4661% | 4,927 |
| Assets per employee ($millions) | 20.3398% | 84 |
| Cash dividends to net income (ytd only)* | 0.6932% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 2,093 |
| Loan loss allowance to noncurrent loans | 783.3536% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 3,873 |
| Noncurrent loans to loans | 0.1681% | 3,708 |
| Net loans and leases to total assets | 65.9846% | 2,523 |
| Net loans and leases to deposits | 74.8298% | 2,872 |
| Net loans and leases to core deposits | 90.0655% | 1,961 |
| Total domestic deposits to total assets | 88.1796% | 1,131 |
| Equity capital to assets | 10.2773% | 2,982 |
| Core capital (leverage) ratio | 10.3801% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9698% | 1,062 |
| Memoranda: | ||
| Average total assets | $638,138,000 | 1,257 |
| Average earning assets | $617,964,000 | 1,215 |
| Average equity | $63,080,000 | 1,384 |
| Average total loans | $457,586,000 | 1,208 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8326% | 1,093 |
| Cost of funding earning assets | 0.9793% | 1,049 |
| Net interest margin | 3.8533% | 1,687 |
| Noninterest income to average assets | 0.1955% | 4,300 |
| Noninterest expense to average assets | 1.5367% | 4,827 |
| Loan and lease loss provision to assets | 0.4153% | 958 |
| Net operating income to assets | 1.4516% | 1,018 |
| Return on assets (ROA) | 1.4714% | 1,064 |
| Pretax return on assets | 1.9895% | 556 |
| Return on Equity (ROE) | 15.1266% | 689 |
| Retained earnings to average equity (ytd only) | 14.9571% | 222 |
| Net charge-offs to loans | 0.0600% | 1,648 |
| Credit loss provision to net charge-offs | 940.2985% | 822 |
| Earnings coverage of net charge-offs (x) | 53.8806% | 1,050 |
| Efficiency ratio | 39.2358% | 4,935 |
| Assets per employee ($millions) | 16.4521% | 130 |
| Cash dividends to net income (ytd only)* | 1.1201% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,258 |
| Loan loss allowance to noncurrent loans | 707.3479% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 3,897 |
| Noncurrent loans to loans | 0.1766% | 3,740 |
| Net loans and leases to total assets | 70.4663% | 1,959 |
| Net loans and leases to deposits | 78.9008% | 2,555 |
| Net loans and leases to core deposits | 95.1625% | 1,647 |
| Total domestic deposits to total assets | 89.3100% | 642 |
| Equity capital to assets | 8.9961% | 4,090 |
| Core capital (leverage) ratio | 8.8830% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1614% | 1,738 |
| Memoranda: | ||
| Average total assets | $606,773,333 | 1,283 |
| Average earning assets | $585,938,333 | 1,246 |
| Average equity | $59,022,000 | 1,442 |
| Average total loans | $446,912,333 | 1,213 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9377% | 1,096 |
| Cost of funding earning assets | 1.2017% | 769 |
| Net interest margin | 3.7360% | 2,196 |
| Noninterest income to average assets | 0.2749% | 3,884 |
| Noninterest expense to average assets | 1.7504% | 4,722 |
| Loan and lease loss provision to assets | 0.2550% | 1,216 |
| Net operating income to assets | 1.3387% | 1,136 |
| Return on assets (ROA) | 1.3700% | 1,137 |
| Pretax return on assets | 1.9056% | 565 |
| Return on Equity (ROE) | 13.4652% | 796 |
| Retained earnings to average equity (ytd only) | 13.1170% | 310 |
| Net charge-offs to loans | 0.0510% | 1,503 |
| Credit loss provision to net charge-offs | 666.6667% | 743 |
| Earnings coverage of net charge-offs (x) | 55.4444% | 839 |
| Efficiency ratio | 45.2150% | 4,853 |
| Assets per employee ($millions) | 14.4935% | 138 |
| Cash dividends to net income (ytd only)* | 2.5853% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,436 |
| Loan loss allowance to noncurrent loans | 147.4600% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 2,134 |
| Noncurrent loans to loans | 0.8427% | 1,926 |
| Net loans and leases to total assets | 73.2186% | 1,746 |
| Net loans and leases to deposits | 81.9299% | 2,463 |
| Net loans and leases to core deposits | 104.7520% | 1,135 |
| Total domestic deposits to total assets | 89.3675% | 524 |
| Equity capital to assets | 10.1227% | 3,674 |
| Core capital (leverage) ratio | 9.9709% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1912% | 2,197 |
| Memoranda: | ||
| Average total assets | $564,665,000 | 1,325 |
| Average earning assets | $543,572,000 | 1,279 |
| Average equity | $57,452,000 | 1,462 |
| Average total loans | $423,830,500 | 1,237 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2290% | 933 |
| Cost of funding earning assets | 1.3973% | 572 |
| Net interest margin | 3.8317% | 2,400 |
| Noninterest income to average assets | 0.2882% | 3,964 |
| Noninterest expense to average assets | 1.7707% | 4,800 |
| Loan and lease loss provision to assets | 0.2292% | 839 |
| Net operating income to assets | 1.4138% | 1,299 |
| Return on assets (ROA) | 1.4225% | 1,341 |
| Pretax return on assets | 1.9672% | 642 |
| Return on Equity (ROE) | 13.9195% | 914 |
| Retained earnings to average equity (ytd only) | 13.4383% | 144 |
| Net charge-offs to loans | 0.0628% | 2,202 |
| Credit loss provision to net charge-offs | 497.8632% | 592 |
| Earnings coverage of net charge-offs (x) | 47.4786% | 1,168 |
| Efficiency ratio | 44.7593% | 4,953 |
| Assets per employee ($millions) | 14.0921% | 142 |
| Cash dividends to net income (ytd only)* | 3.4569% | 3,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,409 |
| Loan loss allowance to noncurrent loans | 206.3525% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 2,625 |
| Noncurrent loans to loans | 0.5840% | 2,434 |
| Net loans and leases to total assets | 75.1119% | 1,567 |
| Net loans and leases to deposits | 84.1281% | 2,315 |
| Net loans and leases to core deposits | 109.9180% | 854 |
| Total domestic deposits to total assets | 89.2828% | 565 |
| Equity capital to assets | 10.2292% | 3,700 |
| Core capital (leverage) ratio | 9.8750% | 3,647 |
| Tier 1 risk-based capital ratio | 12.8611% | 3,866 |
| Total risk-based capital ratio | 14.0483% | 3,787 |
| Memoranda: | ||
| Average total assets | $508,390,600 | 1,407 |
| Average earning assets | $486,646,800 | 1,363 |
| Average equity | $51,956,000 | 1,544 |
| Average total loans | $372,696,800 | 1,349 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2390% | 965 |
| Cost of funding earning assets | 1.4253% | 526 |
| Net interest margin | 3.8137% | 2,551 |
| Noninterest income to average assets | 0.2275% | 4,376 |
| Noninterest expense to average assets | 1.7948% | 4,820 |
| Loan and lease loss provision to assets | 0.1901% | 940 |
| Net operating income to assets | 1.3717% | 1,567 |
| Return on assets (ROA) | 1.3791% | 1,609 |
| Pretax return on assets | 1.9056% | 854 |
| Return on Equity (ROE) | 13.4980% | 1,115 |
| Retained earnings to average equity (ytd only) | 13.3670% | 243 |
| Net charge-offs to loans | 0.1040% | 1,431 |
| Credit loss provision to net charge-offs | 251.7730% | 1,085 |
| Earnings coverage of net charge-offs (x) | 27.6383% | 1,709 |
| Efficiency ratio | 46.2446% | 4,931 |
| Assets per employee ($millions) | 14.4209% | 138 |
| Cash dividends to net income (ytd only)* | 0.9706% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,430 |
| Loan loss allowance to noncurrent loans | 198.5977% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 2,793 |
| Noncurrent loans to loans | 0.6122% | 2,447 |
| Net loans and leases to total assets | 69.0076% | 2,625 |
| Net loans and leases to deposits | 77.3297% | 3,167 |
| Net loans and leases to core deposits | 101.6509% | 1,533 |
| Total domestic deposits to total assets | 89.2382% | 540 |
| Equity capital to assets | 10.2588% | 3,767 |
| Core capital (leverage) ratio | 9.9349% | 3,698 |
| Tier 1 risk-based capital ratio | 14.0401% | 3,307 |
| Total risk-based capital ratio | 15.2489% | 3,248 |
| Memoranda: | ||
| Average total assets | $498,090,500 | 1,436 |
| Average earning assets | $477,178,250 | 1,393 |
| Average equity | $50,890,250 | 1,576 |
| Average total loans | $361,410,250 | 1,390 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0574% | 1,330 |
| Cost of funding earning assets | 1.3822% | 573 |
| Net interest margin | 3.6752% | 3,010 |
| Noninterest income to average assets | 0.2122% | 4,470 |
| Noninterest expense to average assets | 1.7637% | 4,911 |
| Loan and lease loss provision to assets | 0.1974% | 875 |
| Net operating income to assets | 1.2935% | 1,802 |
| Return on assets (ROA) | 1.2935% | 1,859 |
| Pretax return on assets | 1.7826% | 1,083 |
| Return on Equity (ROE) | 12.6795% | 1,343 |
| Retained earnings to average equity (ytd only) | 12.4779% | 352 |
| Net charge-offs to loans | 0.0649% | 1,728 |
| Credit loss provision to net charge-offs | 413.7931% | 694 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 1,223 |
| Efficiency ratio | 47.1105% | 4,936 |
| Assets per employee ($millions) | 13.4349% | 149 |
| Cash dividends to net income (ytd only)* | 1.5898% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,552 |
| Loan loss allowance to noncurrent loans | 182.8151% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5353% | 2,411 |
| Noncurrent loans to loans | 0.6537% | 2,316 |
| Net loans and leases to total assets | 70.4991% | 2,458 |
| Net loans and leases to deposits | 78.6451% | 3,098 |
| Net loans and leases to core deposits | 100.8375% | 1,645 |
| Total domestic deposits to total assets | 89.6422% | 431 |
| Equity capital to assets | 9.9708% | 3,996 |
| Core capital (leverage) ratio | 10.0585% | 3,526 |
| Tier 1 risk-based capital ratio | 13.4850% | 3,593 |
| Total risk-based capital ratio | 14.6756% | 3,519 |
| Memoranda: | ||
| Average total assets | $486,263,000 | 1,469 |
| Average earning assets | $467,236,330 | 1,425 |
| Average equity | $49,607,670 | 1,605 |
| Average total loans | $357,634,330 | 1,408 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0402% | 1,237 |
| Cost of funding earning assets | 1.3885% | 476 |
| Net interest margin | 3.6517% | 3,069 |
| Noninterest income to average assets | 0.2028% | 4,540 |
| Noninterest expense to average assets | 1.7792% | 4,940 |
| Loan and lease loss provision to assets | 0.1241% | 1,413 |
| Net operating income to assets | 1.3059% | 1,680 |
| Return on assets (ROA) | 1.3059% | 1,716 |
| Pretax return on assets | 1.8082% | 968 |
| Return on Equity (ROE) | 12.6403% | 1,344 |
| Retained earnings to average equity (ytd only) | 12.6403% | 522 |
| Net charge-offs to loans | 0.0034% | 2,614 |
| Credit loss provision to net charge-offs | 4,833.3333% | 83 |
| Earnings coverage of net charge-offs (x) | 752.6667% | 90 |
| Efficiency ratio | 47.9364% | 4,945 |
| Assets per employee ($millions) | 14.9491% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 2,633 |
| Loan loss allowance to noncurrent loans | 143.8347% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.7001% | 2,007 |
| Noncurrent loans to loans | 0.8274% | 1,987 |
| Net loans and leases to total assets | 73.6926% | 1,865 |
| Net loans and leases to deposits | 82.6183% | 2,548 |
| Net loans and leases to core deposits | 108.0232% | 1,049 |
| Total domestic deposits to total assets | 89.1965% | 770 |
| Equity capital to assets | 10.3775% | 3,443 |
| Core capital (leverage) ratio | 10.3770% | 3,189 |
| Tier 1 risk-based capital ratio | 13.4617% | 3,622 |
| Total risk-based capital ratio | 14.6281% | 3,586 |
| Memoranda: | ||
| Average total assets | $467,414,000 | 1,532 |
| Average earning assets | $449,108,500 | 1,478 |
| Average equity | $48,290,000 | 1,626 |
| Average total loans | $349,523,500 | 1,442 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8436% | 1,439 |
| Cost of funding earning assets | 1.1655% | 388 |
| Net interest margin | 3.6781% | 3,126 |
| Noninterest income to average assets | 0.2885% | 4,174 |
| Noninterest expense to average assets | 1.7270% | 5,065 |
| Loan and lease loss provision to assets | 0.1362% | 1,585 |
| Net operating income to assets | 1.4476% | 1,284 |
| Return on assets (ROA) | 1.4476% | 1,270 |
| Pretax return on assets | 1.9631% | 606 |
| Return on Equity (ROE) | 14.2376% | 994 |
| Retained earnings to average equity (ytd only) | 13.5505% | 192 |
| Net charge-offs to loans | 0.0627% | 2,227 |
| Credit loss provision to net charge-offs | 298.4694% | 1,037 |
| Earnings coverage of net charge-offs (x) | 45.9949% | 1,195 |
| Efficiency ratio | 45.1342% | 5,146 |
| Assets per employee ($millions) | 12.6794% | 172 |
| Cash dividends to net income (ytd only)* | 4.8263% | 3,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,577 |
| Loan loss allowance to noncurrent loans | 138.1818% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.7442% | 1,868 |
| Noncurrent loans to loans | 0.8677% | 1,857 |
| Net loans and leases to total assets | 74.0865% | 1,924 |
| Net loans and leases to deposits | 84.0357% | 2,509 |
| Net loans and leases to core deposits | 110.3791% | 976 |
| Total domestic deposits to total assets | 88.1608% | 1,230 |
| Equity capital to assets | 10.2829% | 3,391 |
| Core capital (leverage) ratio | 10.4422% | 3,091 |
| Tier 1 risk-based capital ratio | 13.5209% | 3,537 |
| Total risk-based capital ratio | 14.6902% | 3,486 |
| Memoranda: | ||
| Average total assets | $429,413,200 | 1,595 |
| Average earning assets | $413,037,200 | 1,547 |
| Average equity | $43,659,000 | 1,711 |
| Average total loans | $312,760,800 | 1,542 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7402% | 1,571 |
| Cost of funding earning assets | 1.1040% | 394 |
| Net interest margin | 3.6362% | 3,243 |
| Noninterest income to average assets | 0.2858% | 4,243 |
| Noninterest expense to average assets | 1.7290% | 5,109 |
| Loan and lease loss provision to assets | 0.0789% | 2,374 |
| Net operating income to assets | 1.4669% | 1,283 |
| Return on assets (ROA) | 1.4669% | 1,289 |
| Pretax return on assets | 1.9754% | 662 |
| Return on Equity (ROE) | 14.4723% | 991 |
| Retained earnings to average equity (ytd only) | 14.3166% | 220 |
| Net charge-offs to loans | 0.0393% | 2,298 |
| Credit loss provision to net charge-offs | 277.7778% | 1,081 |
| Earnings coverage of net charge-offs (x) | 72.3538% | 939 |
| Efficiency ratio | 45.7017% | 5,157 |
| Assets per employee ($millions) | 14.6438% | 105 |
| Cash dividends to net income (ytd only)* | 1.0753% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,244 |
| Loan loss allowance to noncurrent loans | 125.4451% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 1,823 |
| Noncurrent loans to loans | 1.0143% | 1,692 |
| Net loans and leases to total assets | 68.4374% | 2,875 |
| Net loans and leases to deposits | 76.6262% | 3,363 |
| Net loans and leases to core deposits | 103.0759% | 1,525 |
| Total domestic deposits to total assets | 89.3133% | 730 |
| Equity capital to assets | 10.1126% | 3,527 |
| Core capital (leverage) ratio | 10.4339% | 3,146 |
| Tier 1 risk-based capital ratio | 14.5608% | 3,090 |
| Total risk-based capital ratio | 15.7842% | 3,020 |
| Memoranda: | ||
| Average total assets | $422,652,250 | 1,621 |
| Average earning assets | $406,526,750 | 1,575 |
| Average equity | $42,839,500 | 1,748 |
| Average total loans | $305,381,750 | 1,583 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6607% | 1,612 |
| Cost of funding earning assets | 1.0328% | 401 |
| Net interest margin | 3.6279% | 3,208 |
| Noninterest income to average assets | 0.2877% | 4,257 |
| Noninterest expense to average assets | 1.7219% | 5,171 |
| Loan and lease loss provision to assets | 0.0983% | 1,969 |
| Net operating income to assets | 1.4735% | 1,216 |
| Return on assets (ROA) | 1.4735% | 1,216 |
| Pretax return on assets | 1.9660% | 653 |
| Return on Equity (ROE) | 14.5259% | 954 |
| Retained earnings to average equity (ytd only) | 14.5259% | 234 |
| Net charge-offs to loans | 0.0144% | 2,658 |
| Credit loss provision to net charge-offs | 931.8182% | 434 |
| Earnings coverage of net charge-offs (x) | 195.6818% | 423 |
| Efficiency ratio | 45.4787% | 5,232 |
| Assets per employee ($millions) | 12.2724% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,337 |
| Loan loss allowance to noncurrent loans | 123.4326% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.8432% | 1,772 |
| Noncurrent loans to loans | 1.0268% | 1,716 |
| Net loans and leases to total assets | 70.6927% | 2,478 |
| Net loans and leases to deposits | 79.0290% | 3,048 |
| Net loans and leases to core deposits | 106.0579% | 1,241 |
| Total domestic deposits to total assets | 89.4516% | 759 |
| Equity capital to assets | 10.1147% | 3,529 |
| Core capital (leverage) ratio | 10.5284% | 3,003 |
| Tier 1 risk-based capital ratio | 13.8917% | 3,410 |
| Total risk-based capital ratio | 15.1067% | 3,345 |
| Memoranda: | ||
| Average total assets | $417,098,330 | 1,648 |
| Average earning assets | $402,213,670 | 1,600 |
| Average equity | $42,310,670 | 1,776 |
| Average total loans | $305,665,670 | 1,574 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6646% | 1,400 |
| Cost of funding earning assets | 0.9725% | 423 |
| Net interest margin | 3.6921% | 2,832 |
| Noninterest income to average assets | 0.3037% | 4,130 |
| Noninterest expense to average assets | 1.7066% | 5,239 |
| Loan and lease loss provision to assets | 0.1217% | 1,552 |
| Net operating income to assets | 1.4739% | 1,132 |
| Return on assets (ROA) | 1.4739% | 1,138 |
| Pretax return on assets | 2.0347% | 534 |
| Return on Equity (ROE) | 14.5078% | 896 |
| Retained earnings to average equity (ytd only) | 14.5078% | 362 |
| Net charge-offs to loans | -0.0591% | 5,040 |
| Credit loss provision to net charge-offs | -277.7778% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1784% | 5,340 |
| Assets per employee ($millions) | 14.9070% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 2,358 |
| Loan loss allowance to noncurrent loans | 111.1906% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.9483% | 1,668 |
| Noncurrent loans to loans | 1.1477% | 1,588 |
| Net loans and leases to total assets | 72.0088% | 2,169 |
| Net loans and leases to deposits | 80.4072% | 2,764 |
| Net loans and leases to core deposits | 127.2840% | 392 |
| Total domestic deposits to total assets | 89.5552% | 857 |
| Equity capital to assets | 10.0748% | 3,529 |
| Core capital (leverage) ratio | 10.4647% | 2,990 |
| Tier 1 risk-based capital ratio | 13.6568% | 3,571 |
| Total risk-based capital ratio | 14.8912% | 3,489 |
| Memoranda: | ||
| Average total assets | $410,880,000 | 1,687 |
| Average earning assets | $396,090,500 | 1,627 |
| Average equity | $41,743,000 | 1,806 |
| Average total loans | $304,724,500 | 1,584 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6903% | 1,225 |
| Cost of funding earning assets | 0.7619% | 783 |
| Net interest margin | 3.9284% | 1,997 |
| Noninterest income to average assets | 0.2810% | 4,451 |
| Noninterest expense to average assets | 1.6121% | 5,409 |
| Loan and lease loss provision to assets | 0.1691% | 1,299 |
| Net operating income to assets | 1.4238% | 966 |
| Return on assets (ROA) | 1.4280% | 973 |
| Pretax return on assets | 2.3045% | 261 |
| Return on Equity (ROE) | 14.4719% | 694 |
| Retained earnings to average equity (ytd only) | 13.8277% | 112 |
| Net charge-offs to loans | 0.3190% | 795 |
| Credit loss provision to net charge-offs | 71.4286% | 3,070 |
| Earnings coverage of net charge-offs (x) | 10.4211% | 2,679 |
| Efficiency ratio | 39.5213% | 5,533 |
| Assets per employee ($millions) | 13.4788% | 133 |
| Cash dividends to net income (ytd only)* | 4.4516% | 4,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,668 |
| Loan loss allowance to noncurrent loans | 145.5151% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 2,101 |
| Noncurrent loans to loans | 0.8370% | 2,131 |
| Net loans and leases to total assets | 74.5089% | 1,834 |
| Net loans and leases to deposits | 83.3648% | 2,567 |
| Net loans and leases to core deposits | 128.4034% | 376 |
| Total domestic deposits to total assets | 89.3769% | 836 |
| Equity capital to assets | 10.2467% | 3,439 |
| Core capital (leverage) ratio | 10.0347% | 3,414 |
| Tier 1 risk-based capital ratio | 13.3371% | 3,723 |
| Total risk-based capital ratio | 14.5326% | 3,668 |
| Memoranda: | ||
| Average total assets | $393,280,200 | 1,733 |
| Average earning assets | $380,231,000 | 1,671 |
| Average equity | $38,806,200 | 1,906 |
| Average total loans | $291,887,000 | 1,602 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6438% | 1,261 |
| Cost of funding earning assets | 0.7157% | 901 |
| Net interest margin | 3.9281% | 1,940 |
| Noninterest income to average assets | 0.2766% | 4,533 |
| Noninterest expense to average assets | 1.6464% | 5,409 |
| Loan and lease loss provision to assets | 0.1775% | 1,131 |
| Net operating income to assets | 1.4392% | 1,009 |
| Return on assets (ROA) | 1.4449% | 1,015 |
| Pretax return on assets | 2.2599% | 314 |
| Return on Equity (ROE) | 14.7907% | 682 |
| Retained earnings to average equity (ytd only) | 14.6159% | 130 |
| Net charge-offs to loans | 0.2448% | 879 |
| Credit loss provision to net charge-offs | 98.1132% | 2,339 |
| Earnings coverage of net charge-offs (x) | 13.4207% | 2,348 |
| Efficiency ratio | 40.4022% | 5,573 |
| Assets per employee ($millions) | 13.3072% | 130 |
| Cash dividends to net income (ytd only)* | 1.1816% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 2,283 |
| Loan loss allowance to noncurrent loans | 160.3149% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 2,655 |
| Noncurrent loans to loans | 0.8211% | 2,316 |
| Net loans and leases to total assets | 74.5676% | 1,827 |
| Net loans and leases to deposits | 83.2529% | 2,633 |
| Net loans and leases to core deposits | 125.8891% | 414 |
| Total domestic deposits to total assets | 89.5675% | 634 |
| Equity capital to assets | 10.1720% | 3,726 |
| Core capital (leverage) ratio | 9.9253% | 3,659 |
| Tier 1 risk-based capital ratio | 13.0711% | 3,959 |
| Total risk-based capital ratio | 14.3214% | 3,868 |
| Memoranda: | ||
| Average total assets | $390,509,250 | 1,758 |
| Average earning assets | $377,614,750 | 1,694 |
| Average equity | $38,149,250 | 1,945 |
| Average total loans | $288,608,250 | 1,624 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 1,341 |
| Cost of funding earning assets | 0.6485% | 1,150 |
| Net interest margin | 3.9169% | 1,869 |
| Noninterest income to average assets | 0.2585% | 4,686 |
| Noninterest expense to average assets | 1.6940% | 5,415 |
| Loan and lease loss provision to assets | 0.1006% | 2,005 |
| Net operating income to assets | 1.4455% | 962 |
| Return on assets (ROA) | 1.4540% | 969 |
| Pretax return on assets | 2.2672% | 316 |
| Return on Equity (ROE) | 15.0979% | 644 |
| Retained earnings to average equity (ytd only) | 14.8300% | 147 |
| Net charge-offs to loans | 0.0619% | 2,037 |
| Credit loss provision to net charge-offs | 221.5909% | 1,176 |
| Earnings coverage of net charge-offs (x) | 51.8523% | 1,048 |
| Efficiency ratio | 41.8430% | 5,580 |
| Assets per employee ($millions) | 12.2822% | 163 |
| Cash dividends to net income (ytd only)* | 1.7743% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 2,004 |
| Loan loss allowance to noncurrent loans | 132.7273% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 2,250 |
| Noncurrent loans to loans | 1.0448% | 1,879 |
| Net loans and leases to total assets | 73.9641% | 1,874 |
| Net loans and leases to deposits | 82.4015% | 2,662 |
| Net loans and leases to core deposits | 121.9296% | 492 |
| Total domestic deposits to total assets | 89.7606% | 619 |
| Equity capital to assets | 9.9776% | 3,938 |
| Core capital (leverage) ratio | 9.8751% | 3,684 |
| Tier 1 risk-based capital ratio | 12.8733% | 4,079 |
| Total risk-based capital ratio | 14.1245% | 3,991 |
| Memoranda: | ||
| Average total assets | $387,607,330 | 1,769 |
| Average earning assets | $375,039,330 | 1,702 |
| Average equity | $37,329,670 | 1,968 |
| Average total loans | $284,259,000 | 1,641 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5095% | 1,348 |
| Cost of funding earning assets | 0.5793% | 1,516 |
| Net interest margin | 3.9303% | 1,675 |
| Noninterest income to average assets | 0.2505% | 4,741 |
| Noninterest expense to average assets | 1.7251% | 5,452 |
| Loan and lease loss provision to assets | 0.0831% | 2,152 |
| Net operating income to assets | 1.4397% | 912 |
| Return on assets (ROA) | 1.4570% | 904 |
| Pretax return on assets | 2.2697% | 318 |
| Return on Equity (ROE) | 15.4121% | 601 |
| Retained earnings to average equity (ytd only) | 15.1373% | 227 |
| Net charge-offs to loans | -0.0530% | 5,211 |
| Credit loss provision to net charge-offs | -216.2162% | 4,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5859% | 5,636 |
| Assets per employee ($millions) | 14.0595% | 109 |
| Cash dividends to net income (ytd only)* | 1.7832% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,867 |
| Loan loss allowance to noncurrent loans | 413.1048% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 4,199 |
| Noncurrent loans to loans | 0.3508% | 3,842 |
| Net loans and leases to total assets | 70.7861% | 2,253 |
| Net loans and leases to deposits | 78.5914% | 2,906 |
| Net loans and leases to core deposits | 111.6261% | 790 |
| Total domestic deposits to total assets | 90.0685% | 627 |
| Equity capital to assets | 9.4603% | 4,323 |
| Core capital (leverage) ratio | 9.8195% | 3,732 |
| Tier 1 risk-based capital ratio | 13.0568% | 4,044 |
| Total risk-based capital ratio | 14.3091% | 3,948 |
| Memoranda: | ||
| Average total assets | $384,896,000 | 1,794 |
| Average earning assets | $372,188,000 | 1,724 |
| Average equity | $36,387,000 | 2,008 |
| Average total loans | $278,994,000 | 1,679 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 1,558 |
| Cost of funding earning assets | 0.5239% | 1,910 |
| Net interest margin | 3.9678% | 1,739 |
| Noninterest income to average assets | 0.2920% | 4,653 |
| Noninterest expense to average assets | 1.6759% | 5,583 |
| Loan and lease loss provision to assets | 0.2459% | 858 |
| Net operating income to assets | 1.4130% | 987 |
| Return on assets (ROA) | 1.4370% | 967 |
| Pretax return on assets | 2.2310% | 309 |
| Return on Equity (ROE) | 14.9178% | 639 |
| Retained earnings to average equity (ytd only) | 14.0375% | 127 |
| Net charge-offs to loans | 0.1213% | 2,044 |
| Credit loss provision to net charge-offs | 285.2459% | 1,023 |
| Earnings coverage of net charge-offs (x) | 28.2951% | 1,476 |
| Efficiency ratio | 40.7240% | 5,771 |
| Assets per employee ($millions) | 12.1331% | 164 |
| Cash dividends to net income (ytd only)* | 5.9009% | 4,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 1,887 |
| Loan loss allowance to noncurrent loans | 226.1932% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 3,386 |
| Noncurrent loans to loans | 0.6395% | 2,935 |
| Net loans and leases to total assets | 72.1163% | 2,153 |
| Net loans and leases to deposits | 79.9649% | 2,890 |
| Net loans and leases to core deposits | 109.7739% | 918 |
| Total domestic deposits to total assets | 90.1850% | 568 |
| Equity capital to assets | 9.4468% | 4,330 |
| Core capital (leverage) ratio | 9.7313% | 3,819 |
| Tier 1 risk-based capital ratio | 12.9023% | 4,131 |
| Total risk-based capital ratio | 14.1544% | 4,028 |
| Memoranda: | ||
| Average total assets | $353,784,200 | 1,888 |
| Average earning assets | $340,893,200 | 1,823 |
| Average equity | $34,080,200 | 2,128 |
| Average total loans | $251,451,000 | 1,783 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 1,639 |
| Cost of funding earning assets | 0.5161% | 1,967 |
| Net interest margin | 3.9521% | 1,810 |
| Noninterest income to average assets | 0.2845% | 4,732 |
| Noninterest expense to average assets | 1.7204% | 5,597 |
| Loan and lease loss provision to assets | 0.2566% | 727 |
| Net operating income to assets | 1.3668% | 1,131 |
| Return on assets (ROA) | 1.3992% | 1,124 |
| Pretax return on assets | 2.1631% | 415 |
| Return on Equity (ROE) | 14.4492% | 749 |
| Retained earnings to average equity (ytd only) | 14.0538% | 169 |
| Net charge-offs to loans | 0.1678% | 1,366 |
| Credit loss provision to net charge-offs | 216.8285% | 1,354 |
| Earnings coverage of net charge-offs (x) | 20.0291% | 1,899 |
| Efficiency ratio | 42.0614% | 5,784 |
| Assets per employee ($millions) | 13.5367% | 111 |
| Cash dividends to net income (ytd only)* | 2.7367% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 2,158 |
| Loan loss allowance to noncurrent loans | 211.2416% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 3,484 |
| Noncurrent loans to loans | 0.6670% | 3,029 |
| Net loans and leases to total assets | 72.3107% | 2,143 |
| Net loans and leases to deposits | 80.5355% | 2,905 |
| Net loans and leases to core deposits | 110.0003% | 913 |
| Total domestic deposits to total assets | 89.7875% | 563 |
| Equity capital to assets | 9.8131% | 4,351 |
| Core capital (leverage) ratio | 9.8675% | 3,734 |
| Tier 1 risk-based capital ratio | 12.6503% | 4,369 |
| Total risk-based capital ratio | 13.9019% | 4,278 |
| Memoranda: | ||
| Average total assets | $348,198,500 | 1,912 |
| Average earning assets | $335,308,750 | 1,854 |
| Average equity | $33,717,250 | 2,162 |
| Average total loans | $245,506,250 | 1,821 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4182% | 1,776 |
| Cost of funding earning assets | 0.5119% | 2,011 |
| Net interest margin | 3.9063% | 1,959 |
| Noninterest income to average assets | 0.2716% | 4,842 |
| Noninterest expense to average assets | 1.7259% | 5,671 |
| Loan and lease loss provision to assets | 0.2219% | 935 |
| Net operating income to assets | 1.3498% | 1,168 |
| Return on assets (ROA) | 1.3836% | 1,154 |
| Pretax return on assets | 2.1417% | 427 |
| Return on Equity (ROE) | 14.3571% | 778 |
| Retained earnings to average equity (ytd only) | 14.3571% | 167 |
| Net charge-offs to loans | 0.0714% | 2,164 |
| Credit loss provision to net charge-offs | 447.0588% | 720 |
| Earnings coverage of net charge-offs (x) | 46.5647% | 1,042 |
| Efficiency ratio | 42.7456% | 5,849 |
| Assets per employee ($millions) | 11.1681% | 196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 1,994 |
| Loan loss allowance to noncurrent loans | 204.4628% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 3,461 |
| Noncurrent loans to loans | 0.7176% | 2,936 |
| Net loans and leases to total assets | 71.9802% | 2,174 |
| Net loans and leases to deposits | 80.6525% | 2,856 |
| Net loans and leases to core deposits | 112.3457% | 798 |
| Total domestic deposits to total assets | 89.2473% | 788 |
| Equity capital to assets | 10.0866% | 4,115 |
| Core capital (leverage) ratio | 9.7029% | 3,926 |
| Tier 1 risk-based capital ratio | 12.9443% | 4,236 |
| Total risk-based capital ratio | 14.1964% | 4,144 |
| Memoranda: | ||
| Average total assets | $342,434,000 | 1,949 |
| Average earning assets | $330,132,670 | 1,877 |
| Average equity | $33,001,000 | 2,198 |
| Average total loans | $237,986,000 | 1,868 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 1,603 |
| Cost of funding earning assets | 0.5102% | 2,029 |
| Net interest margin | 3.9572% | 1,757 |
| Noninterest income to average assets | 0.2737% | 4,772 |
| Noninterest expense to average assets | 1.7090% | 5,742 |
| Loan and lease loss provision to assets | 0.2349% | 776 |
| Net operating income to assets | 1.4036% | 1,027 |
| Return on assets (ROA) | 1.4036% | 1,085 |
| Pretax return on assets | 2.1471% | 421 |
| Return on Equity (ROE) | 14.9184% | 682 |
| Retained earnings to average equity (ytd only) | 14.9184% | 251 |
| Net charge-offs to loans | 0.1510% | 1,210 |
| Credit loss provision to net charge-offs | 229.8851% | 995 |
| Earnings coverage of net charge-offs (x) | 23.3103% | 1,370 |
| Efficiency ratio | 41.7743% | 5,927 |
| Assets per employee ($millions) | 12.3799% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 1,930 |
| Loan loss allowance to noncurrent loans | 192.0022% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5302% | 3,484 |
| Noncurrent loans to loans | 0.7876% | 2,864 |
| Net loans and leases to total assets | 66.3063% | 2,901 |
| Net loans and leases to deposits | 73.6109% | 3,480 |
| Net loans and leases to core deposits | 99.5828% | 1,516 |
| Total domestic deposits to total assets | 90.0767% | 571 |
| Equity capital to assets | 9.4973% | 4,671 |
| Core capital (leverage) ratio | 9.6540% | 3,964 |
| Tier 1 risk-based capital ratio | 13.3255% | 4,081 |
| Total risk-based capital ratio | 14.5782% | 4,004 |
| Memoranda: | ||
| Average total assets | $340,545,000 | 1,965 |
| Average earning assets | $328,517,500 | 1,890 |
| Average equity | $32,041,000 | 2,244 |
| Average total loans | $230,521,500 | 1,911 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3852% | 1,952 |
| Cost of funding earning assets | 0.4932% | 2,221 |
| Net interest margin | 3.8920% | 2,057 |
| Noninterest income to average assets | 0.2991% | 4,743 |
| Noninterest expense to average assets | 1.7885% | 5,753 |
| Loan and lease loss provision to assets | 0.1888% | 1,178 |
| Net operating income to assets | 1.3058% | 1,256 |
| Return on assets (ROA) | 1.3413% | 1,209 |
| Pretax return on assets | 2.1180% | 410 |
| Return on Equity (ROE) | 14.2974% | 798 |
| Retained earnings to average equity (ytd only) | 13.3653% | 191 |
| Net charge-offs to loans | 0.2747% | 1,102 |
| Credit loss provision to net charge-offs | 101.0363% | 2,479 |
| Earnings coverage of net charge-offs (x) | 12.0501% | 2,505 |
| Efficiency ratio | 44.2732% | 5,974 |
| Assets per employee ($millions) | 11.5329% | 172 |
| Cash dividends to net income (ytd only)* | 6.5191% | 4,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 2,007 |
| Loan loss allowance to noncurrent loans | 183.0654% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.5579% | 3,420 |
| Noncurrent loans to loans | 0.8196% | 2,735 |
| Net loans and leases to total assets | 67.0516% | 2,849 |
| Net loans and leases to deposits | 74.3596% | 3,452 |
| Net loans and leases to core deposits | 98.7525% | 1,610 |
| Total domestic deposits to total assets | 90.1720% | 557 |
| Equity capital to assets | 9.3170% | 4,769 |
| Core capital (leverage) ratio | 9.5036% | 4,164 |
| Tier 1 risk-based capital ratio | 13.0121% | 4,304 |
| Total risk-based capital ratio | 14.2645% | 4,214 |
| Memoranda: | ||
| Average total assets | $309,921,600 | 2,091 |
| Average earning assets | $297,865,000 | 2,028 |
| Average equity | $29,075,200 | 2,388 |
| Average total loans | $210,780,800 | 1,991 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3512% | 2,073 |
| Cost of funding earning assets | 0.4865% | 2,353 |
| Net interest margin | 3.8647% | 2,140 |
| Noninterest income to average assets | 0.3248% | 4,617 |
| Noninterest expense to average assets | 1.9175% | 5,613 |
| Loan and lease loss provision to assets | 0.2238% | 831 |
| Net operating income to assets | 1.2065% | 1,629 |
| Return on assets (ROA) | 1.2548% | 1,523 |
| Pretax return on assets | 1.9689% | 639 |
| Return on Equity (ROE) | 13.3499% | 1,047 |
| Retained earnings to average equity (ytd only) | 12.8830% | 286 |
| Net charge-offs to loans | 0.3389% | 774 |
| Credit loss provision to net charge-offs | 97.1429% | 2,350 |
| Earnings coverage of net charge-offs (x) | 9.1886% | 2,724 |
| Efficiency ratio | 47.5253% | 5,894 |
| Assets per employee ($millions) | 12.6818% | 130 |
| Cash dividends to net income (ytd only)* | 3.4977% | 3,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 2,030 |
| Loan loss allowance to noncurrent loans | 110.1200% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.9724% | 2,417 |
| Noncurrent loans to loans | 1.3908% | 1,836 |
| Net loans and leases to total assets | 68.8487% | 2,553 |
| Net loans and leases to deposits | 76.9124% | 3,204 |
| Net loans and leases to core deposits | 102.9841% | 1,300 |
| Total domestic deposits to total assets | 89.5157% | 767 |
| Equity capital to assets | 9.4687% | 4,787 |
| Core capital (leverage) ratio | 9.3708% | 4,480 |
| Tier 1 risk-based capital ratio | 12.6940% | 4,617 |
| Total risk-based capital ratio | 13.9472% | 4,527 |
| Memoranda: | ||
| Average total assets | $303,788,750 | 2,140 |
| Average earning assets | $291,620,500 | 2,082 |
| Average equity | $28,553,750 | 2,433 |
| Average total loans | $206,558,000 | 2,030 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 2,207 |
| Cost of funding earning assets | 0.4744% | 2,479 |
| Net interest margin | 3.8144% | 2,255 |
| Noninterest income to average assets | 0.3173% | 4,684 |
| Noninterest expense to average assets | 1.9427% | 5,651 |
| Loan and lease loss provision to assets | 0.2405% | 755 |
| Net operating income to assets | 1.1406% | 1,805 |
| Return on assets (ROA) | 1.1992% | 1,678 |
| Pretax return on assets | 1.8893% | 748 |
| Return on Equity (ROE) | 12.7917% | 1,159 |
| Retained earnings to average equity (ytd only) | 12.7917% | 325 |
| Net charge-offs to loans | 0.5250% | 470 |
| Credit loss provision to net charge-offs | 68.0529% | 2,484 |
| Earnings coverage of net charge-offs (x) | 5.7675% | 2,890 |
| Efficiency ratio | 48.8001% | 5,916 |
| Assets per employee ($millions) | 9.6003% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 2,259 |
| Loan loss allowance to noncurrent loans | 104.0449% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9832% | 2,558 |
| Noncurrent loans to loans | 1.4514% | 1,836 |
| Net loans and leases to total assets | 66.7231% | 2,834 |
| Net loans and leases to deposits | 73.8201% | 3,511 |
| Net loans and leases to core deposits | 99.9674% | 1,493 |
| Total domestic deposits to total assets | 90.3861% | 504 |
| Equity capital to assets | 9.0347% | 5,205 |
| Core capital (leverage) ratio | 9.5835% | 4,157 |
| Tier 1 risk-based capital ratio | 12.5865% | 4,750 |
| Total risk-based capital ratio | 13.8400% | 4,668 |
| Memoranda: | ||
| Average total assets | $299,369,670 | 2,187 |
| Average earning assets | $287,541,330 | 2,116 |
| Average equity | $28,065,000 | 2,479 |
| Average total loans | $201,518,330 | 2,075 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2883% | 2,136 |
| Cost of funding earning assets | 0.4763% | 2,490 |
| Net interest margin | 3.8120% | 2,193 |
| Noninterest income to average assets | 0.3000% | 4,774 |
| Noninterest expense to average assets | 1.9873% | 5,604 |
| Loan and lease loss provision to assets | 0.2752% | 561 |
| Net operating income to assets | 1.0835% | 1,926 |
| Return on assets (ROA) | 1.2042% | 1,628 |
| Pretax return on assets | 1.8937% | 728 |
| Return on Equity (ROE) | 12.5963% | 1,194 |
| Retained earnings to average equity (ytd only) | 12.5963% | 493 |
| Net charge-offs to loans | 1.1017% | 213 |
| Credit loss provision to net charge-offs | 37.2439% | 2,204 |
| Earnings coverage of net charge-offs (x) | 2.6797% | 2,717 |
| Efficiency ratio | 50.0867% | 5,912 |
| Assets per employee ($millions) | 11.9462% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 2,462 |
| Loan loss allowance to noncurrent loans | 61.9681% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.6604% | 1,521 |
| Noncurrent loans to loans | 2.4128% | 1,018 |
| Net loans and leases to total assets | 67.7904% | 2,484 |
| Net loans and leases to deposits | 75.4648% | 3,119 |
| Net loans and leases to core deposits | 105.7415% | 956 |
| Total domestic deposits to total assets | 89.8304% | 823 |
| Equity capital to assets | 9.4637% | 4,790 |
| Core capital (leverage) ratio | 9.5260% | 4,233 |
| Tier 1 risk-based capital ratio | 12.7889% | 4,733 |
| Total risk-based capital ratio | 14.0409% | 4,654 |
| Memoranda: | ||
| Average total assets | $290,649,000 | 2,243 |
| Average earning assets | $279,643,500 | 2,178 |
| Average equity | $27,786,000 | 2,515 |
| Average total loans | $194,964,000 | 2,125 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 1,173 |
| Cost of funding earning assets | 0.5248% | 2,436 |
| Net interest margin | 4.2444% | 1,181 |
| Noninterest income to average assets | 0.1907% | 5,714 |
| Noninterest expense to average assets | 1.9317% | 5,890 |
| Loan and lease loss provision to assets | 0.2998% | 687 |
| Net operating income to assets | 1.2625% | 1,396 |
| Return on assets (ROA) | 1.2965% | 1,364 |
| Pretax return on assets | 2.0548% | 459 |
| Return on Equity (ROE) | 13.3395% | 1,072 |
| Retained earnings to average equity (ytd only) | 12.6628% | 247 |
| Net charge-offs to loans | 0.5507% | 738 |
| Credit loss provision to net charge-offs | 78.2038% | 2,903 |
| Earnings coverage of net charge-offs (x) | 6.0030% | 3,294 |
| Efficiency ratio | 45.6315% | 6,281 |
| Assets per employee ($millions) | 9.7463% | 273 |
| Cash dividends to net income (ytd only)* | 5.0731% | 4,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8493% | 1,428 |
| Loan loss allowance to noncurrent loans | 59.3043% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 2.0507% | 1,225 |
| Noncurrent loans to loans | 3.1183% | 715 |
| Net loans and leases to total assets | 64.0333% | 3,220 |
| Net loans and leases to deposits | 71.2674% | 3,760 |
| Net loans and leases to core deposits | 98.8363% | 1,479 |
| Total domestic deposits to total assets | 89.8494% | 795 |
| Equity capital to assets | 9.6617% | 4,519 |
| Core capital (leverage) ratio | 9.6899% | 3,982 |
| Tier 1 risk-based capital ratio | 14.8251% | 3,583 |
| Total risk-based capital ratio | 16.0828% | 3,515 |
| Memoranda: | ||
| Average total assets | $258,470,800 | 2,448 |
| Average earning assets | $246,181,600 | 2,376 |
| Average equity | $25,120,800 | 2,647 |
| Average total loans | $179,965,600 | 2,225 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6482% | 1,433 |
| Cost of funding earning assets | 0.5336% | 2,430 |
| Net interest margin | 4.1146% | 1,531 |
| Noninterest income to average assets | 0.2308% | 5,551 |
| Noninterest expense to average assets | 2.0335% | 5,713 |
| Loan and lease loss provision to assets | 0.2588% | 826 |
| Net operating income to assets | 1.1637% | 1,812 |
| Return on assets (ROA) | 1.1948% | 1,767 |
| Pretax return on assets | 1.8930% | 729 |
| Return on Equity (ROE) | 12.2728% | 1,409 |
| Retained earnings to average equity (ytd only) | 12.2728% | 395 |
| Net charge-offs to loans | 0.3757% | 1,064 |
| Credit loss provision to net charge-offs | 97.2222% | 2,301 |
| Earnings coverage of net charge-offs (x) | 7.9008% | 2,876 |
| Efficiency ratio | 49.1573% | 6,139 |
| Assets per employee ($millions) | 10.3450% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 1,471 |
| Loan loss allowance to noncurrent loans | 343.0199% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5923% | 4,069 |
| Noncurrent loans to loans | 0.5517% | 4,267 |
| Net loans and leases to total assets | 69.6130% | 2,254 |
| Net loans and leases to deposits | 77.7844% | 2,974 |
| Net loans and leases to core deposits | 107.2518% | 887 |
| Total domestic deposits to total assets | 89.4947% | 985 |
| Equity capital to assets | 9.7081% | 4,545 |
| Core capital (leverage) ratio | 10.1749% | 3,438 |
| Tier 1 risk-based capital ratio | 14.0481% | 4,174 |
| Total risk-based capital ratio | 15.3068% | 4,113 |
| Memoranda: | ||
| Average total assets | $252,428,000 | 2,516 |
| Average earning assets | $239,626,250 | 2,444 |
| Average equity | $24,574,000 | 2,710 |
| Average total loans | $178,858,250 | 2,250 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6801% | 1,327 |
| Cost of funding earning assets | 0.5464% | 2,378 |
| Net interest margin | 4.1337% | 1,417 |
| Noninterest income to average assets | 0.2268% | 5,586 |
| Noninterest expense to average assets | 2.0388% | 5,748 |
| Loan and lease loss provision to assets | 0.2430% | 917 |
| Net operating income to assets | 1.1791% | 1,658 |
| Return on assets (ROA) | 1.1915% | 1,687 |
| Pretax return on assets | 1.8865% | 702 |
| Return on Equity (ROE) | 12.2271% | 1,362 |
| Retained earnings to average equity (ytd only) | 12.2271% | 399 |
| Net charge-offs to loans | 0.2722% | 1,456 |
| Credit loss provision to net charge-offs | 126.0504% | 1,649 |
| Earnings coverage of net charge-offs (x) | 10.9454% | 2,196 |
| Efficiency ratio | 49.1410% | 6,217 |
| Assets per employee ($millions) | 8.3592% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0514% | 1,272 |
| Loan loss allowance to noncurrent loans | 348.2531% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.6615% | 4,003 |
| Noncurrent loans to loans | 0.5891% | 4,255 |
| Net loans and leases to total assets | 70.2180% | 2,043 |
| Net loans and leases to deposits | 78.3650% | 2,751 |
| Net loans and leases to core deposits | 107.2568% | 813 |
| Total domestic deposits to total assets | 89.6039% | 1,013 |
| Equity capital to assets | 10.1062% | 3,963 |
| Core capital (leverage) ratio | 10.3318% | 3,162 |
| Tier 1 risk-based capital ratio | 14.6031% | 3,866 |
| Total risk-based capital ratio | 15.8638% | 3,807 |
| Memoranda: | ||
| Average total assets | $246,914,000 | 2,572 |
| Average earning assets | $234,270,330 | 2,498 |
| Average equity | $24,061,330 | 2,750 |
| Average total loans | $174,861,000 | 2,295 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 1,454 |
| Cost of funding earning assets | 0.5594% | 2,351 |
| Net interest margin | 4.0602% | 1,574 |
| Noninterest income to average assets | 0.2923% | 5,036 |
| Noninterest expense to average assets | 2.0736% | 5,729 |
| Loan and lease loss provision to assets | 0.2449% | 886 |
| Net operating income to assets | 1.1550% | 1,613 |
| Return on assets (ROA) | 1.1707% | 1,634 |
| Pretax return on assets | 1.8499% | 726 |
| Return on Equity (ROE) | 12.2459% | 1,359 |
| Retained earnings to average equity (ytd only) | 12.2459% | 580 |
| Net charge-offs to loans | 0.0974% | 2,192 |
| Credit loss provision to net charge-offs | 357.1429% | 702 |
| Earnings coverage of net charge-offs (x) | 30.1905% | 1,051 |
| Efficiency ratio | 50.0394% | 6,251 |
| Assets per employee ($millions) | 9.4398% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1179% | 1,291 |
| Loan loss allowance to noncurrent loans | 331.6163% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 3,867 |
| Noncurrent loans to loans | 0.6386% | 4,264 |
| Net loans and leases to total assets | 70.3141% | 1,834 |
| Net loans and leases to deposits | 78.5025% | 2,485 |
| Net loans and leases to core deposits | 105.4054% | 777 |
| Total domestic deposits to total assets | 89.5692% | 1,330 |
| Equity capital to assets | 9.8136% | 4,085 |
| Core capital (leverage) ratio | 10.1082% | 3,417 |
| Tier 1 risk-based capital ratio | 14.5206% | 3,998 |
| Total risk-based capital ratio | 15.7825% | 3,943 |
| Memoranda: | ||
| Average total assets | $244,983,000 | 2,596 |
| Average earning assets | $232,400,000 | 2,523 |
| Average equity | $23,420,000 | 2,804 |
| Average total loans | $172,402,500 | 2,319 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 2,170 |
| Cost of funding earning assets | 0.6320% | 2,367 |
| Net interest margin | 3.8784% | 2,376 |
| Noninterest income to average assets | 0.3179% | 5,060 |
| Noninterest expense to average assets | 1.9200% | 6,160 |
| Loan and lease loss provision to assets | 0.2731% | 1,290 |
| Net operating income to assets | 1.1341% | 1,818 |
| Return on assets (ROA) | 1.1469% | 1,834 |
| Pretax return on assets | 1.8152% | 733 |
| Return on Equity (ROE) | 12.0051% | 1,418 |
| Retained earnings to average equity (ytd only) | 12.0051% | 318 |
| Net charge-offs to loans | 0.2884% | 2,249 |
| Credit loss provision to net charge-offs | 141.0550% | 1,654 |
| Earnings coverage of net charge-offs (x) | 10.6835% | 2,329 |
| Efficiency ratio | 48.1407% | 6,489 |
| Assets per employee ($millions) | 9.0567% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1520% | 1,252 |
| Loan loss allowance to noncurrent loans | 336.9888% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 4,045 |
| Noncurrent loans to loans | 0.6386% | 4,382 |
| Net loans and leases to total assets | 67.4228% | 2,452 |
| Net loans and leases to deposits | 74.7773% | 3,134 |
| Net loans and leases to core deposits | 97.7250% | 1,324 |
| Total domestic deposits to total assets | 90.1648% | 995 |
| Equity capital to assets | 9.3052% | 4,684 |
| Core capital (leverage) ratio | 9.9029% | 3,695 |
| Tier 1 risk-based capital ratio | 14.7107% | 3,833 |
| Total risk-based capital ratio | 15.9727% | 3,766 |
| Memoranda: | ||
| Average total assets | $225,209,800 | 2,764 |
| Average earning assets | $213,130,200 | 2,688 |
| Average equity | $21,515,800 | 2,983 |
| Average total loans | $151,163,400 | 2,543 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 2,356 |
| Cost of funding earning assets | 0.6418% | 2,436 |
| Net interest margin | 3.8260% | 2,553 |
| Noninterest income to average assets | 0.3715% | 4,738 |
| Noninterest expense to average assets | 1.9717% | 6,064 |
| Loan and lease loss provision to assets | 0.2783% | 1,253 |
| Net operating income to assets | 1.1055% | 1,984 |
| Return on assets (ROA) | 1.1229% | 1,990 |
| Pretax return on assets | 1.7696% | 964 |
| Return on Equity (ROE) | 11.6692% | 1,588 |
| Retained earnings to average equity (ytd only) | 11.6692% | 473 |
| Net charge-offs to loans | 0.3977% | 1,613 |
| Credit loss provision to net charge-offs | 105.0228% | 2,229 |
| Earnings coverage of net charge-offs (x) | 7.6255% | 2,768 |
| Efficiency ratio | 49.3863% | 6,432 |
| Assets per employee ($millions) | 9.7560% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1293% | 1,449 |
| Loan loss allowance to noncurrent loans | 320.9066% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.8055% | 4,092 |
| Noncurrent loans to loans | 0.6635% | 4,542 |
| Net loans and leases to total assets | 68.0991% | 2,277 |
| Net loans and leases to deposits | 75.6157% | 3,011 |
| Net loans and leases to core deposits | 99.8741% | 1,123 |
| Total domestic deposits to total assets | 90.0595% | 958 |
| Equity capital to assets | 9.3562% | 4,736 |
| Core capital (leverage) ratio | 9.9737% | 3,711 |
| Tier 1 risk-based capital ratio | 14.4749% | 4,086 |
| Total risk-based capital ratio | 15.7368% | 4,030 |
| Memoranda: | ||
| Average total assets | $220,379,750 | 2,828 |
| Average earning assets | $208,569,250 | 2,755 |
| Average equity | $21,206,250 | 3,055 |
| Average total loans | $146,830,500 | 2,621 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3993% | 2,564 |
| Cost of funding earning assets | 0.6527% | 2,465 |
| Net interest margin | 3.7466% | 2,775 |
| Noninterest income to average assets | 0.3856% | 4,624 |
| Noninterest expense to average assets | 1.9917% | 6,066 |
| Loan and lease loss provision to assets | 0.2641% | 1,403 |
| Net operating income to assets | 1.0660% | 2,054 |
| Return on assets (ROA) | 1.0927% | 2,066 |
| Pretax return on assets | 1.7146% | 1,084 |
| Return on Equity (ROE) | 11.2432% | 1,734 |
| Retained earnings to average equity (ytd only) | 11.2432% | 604 |
| Net charge-offs to loans | 0.6235% | 1,061 |
| Credit loss provision to net charge-offs | 64.6259% | 2,935 |
| Earnings coverage of net charge-offs (x) | 4.7392% | 3,049 |
| Efficiency ratio | 50.6959% | 6,374 |
| Assets per employee ($millions) | 8.4907% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2409% | 1,349 |
| Loan loss allowance to noncurrent loans | 302.4816% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.8575% | 4,100 |
| Noncurrent loans to loans | 0.7408% | 4,444 |
| Net loans and leases to total assets | 65.0356% | 2,752 |
| Net loans and leases to deposits | 72.8278% | 3,333 |
| Net loans and leases to core deposits | 100.4780% | 1,043 |
| Total domestic deposits to total assets | 89.3005% | 1,446 |
| Equity capital to assets | 9.4442% | 4,659 |
| Core capital (leverage) ratio | 9.9303% | 3,620 |
| Tier 1 risk-based capital ratio | 15.2474% | 3,631 |
| Total risk-based capital ratio | 16.5103% | 3,578 |
| Memoranda: | ||
| Average total assets | $215,791,670 | 2,894 |
| Average earning assets | $204,077,670 | 2,821 |
| Average equity | $20,972,670 | 3,093 |
| Average total loans | $141,467,670 | 2,696 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4010% | 2,521 |
| Cost of funding earning assets | 0.6585% | 2,575 |
| Net interest margin | 3.7425% | 2,686 |
| Noninterest income to average assets | 0.2832% | 5,437 |
| Noninterest expense to average assets | 1.9859% | 6,129 |
| Loan and lease loss provision to assets | 0.2250% | 1,632 |
| Net operating income to assets | 1.0224% | 2,133 |
| Return on assets (ROA) | 1.0764% | 2,052 |
| Pretax return on assets | 1.6952% | 1,090 |
| Return on Equity (ROE) | 10.9154% | 1,735 |
| Retained earnings to average equity (ytd only) | 10.9154% | 897 |
| Net charge-offs to loans | 0.5361% | 1,128 |
| Credit loss provision to net charge-offs | 64.5161% | 2,364 |
| Earnings coverage of net charge-offs (x) | 5.2634% | 2,388 |
| Efficiency ratio | 51.9627% | 6,385 |
| Assets per employee ($millions) | 10.0554% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4168% | 1,224 |
| Loan loss allowance to noncurrent loans | 263.3178% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 1.1871% | 3,586 |
| Noncurrent loans to loans | 0.9178% | 4,298 |
| Net loans and leases to total assets | 61.7108% | 3,124 |
| Net loans and leases to deposits | 68.9113% | 3,647 |
| Net loans and leases to core deposits | 93.8480% | 1,357 |
| Total domestic deposits to total assets | 89.5511% | 1,331 |
| Equity capital to assets | 9.7776% | 4,457 |
| Core capital (leverage) ratio | 9.9557% | 3,447 |
| Tier 1 risk-based capital ratio | 15.8351% | 3,354 |
| Total risk-based capital ratio | 17.1009% | 3,310 |
| Memoranda: | ||
| Average total assets | $213,308,000 | 2,947 |
| Average earning assets | $201,681,000 | 2,881 |
| Average equity | $21,034,500 | 3,127 |
| Average total loans | $138,770,000 | 2,749 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8048% | 2,173 |
| Cost of funding earning assets | 0.6989% | 3,504 |
| Net interest margin | 4.1059% | 1,981 |
| Noninterest income to average assets | 0.2101% | 5,914 |
| Noninterest expense to average assets | 2.0743% | 6,179 |
| Loan and lease loss provision to assets | 0.9316% | 469 |
| Net operating income to assets | 0.6837% | 3,814 |
| Return on assets (ROA) | 0.9506% | 2,797 |
| Pretax return on assets | 1.4631% | 1,808 |
| Return on Equity (ROE) | 9.1933% | 2,537 |
| Retained earnings to average equity (ytd only) | 9.1933% | 762 |
| Net charge-offs to loans | 0.8534% | 1,346 |
| Credit loss provision to net charge-offs | 157.0285% | 1,716 |
| Earnings coverage of net charge-offs (x) | 3.3443% | 3,770 |
| Efficiency ratio | 51.1120% | 6,518 |
| Assets per employee ($millions) | 9.3362% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5043% | 1,125 |
| Loan loss allowance to noncurrent loans | 85.9601% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 2.6057% | 1,865 |
| Noncurrent loans to loans | 2.9133% | 1,798 |
| Net loans and leases to total assets | 65.3349% | 2,645 |
| Net loans and leases to deposits | 73.3183% | 3,206 |
| Net loans and leases to core deposits | 101.2158% | 945 |
| Total domestic deposits to total assets | 89.1113% | 1,489 |
| Equity capital to assets | 9.9510% | 4,239 |
| Core capital (leverage) ratio | 9.9110% | 3,528 |
| Tier 1 risk-based capital ratio | 15.4383% | 3,469 |
| Total risk-based capital ratio | 16.7056% | 3,417 |
| Memoranda: | ||
| Average total assets | $189,463,200 | 3,183 |
| Average earning assets | $177,573,600 | 3,124 |
| Average equity | $19,590,400 | 3,252 |
| Average total loans | $131,701,600 | 2,853 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8390% | 2,246 |
| Cost of funding earning assets | 0.7092% | 3,684 |
| Net interest margin | 4.1298% | 1,977 |
| Noninterest income to average assets | 0.2904% | 5,453 |
| Noninterest expense to average assets | 2.2320% | 5,875 |
| Loan and lease loss provision to assets | 0.9992% | 409 |
| Net operating income to assets | 0.6073% | 4,360 |
| Return on assets (ROA) | 0.8806% | 3,321 |
| Pretax return on assets | 1.3370% | 2,468 |
| Return on Equity (ROE) | 8.4285% | 3,072 |
| Retained earnings to average equity (ytd only) | 8.4285% | 1,433 |
| Net charge-offs to loans | 0.3993% | 2,497 |
| Credit loss provision to net charge-offs | 356.4103% | 754 |
| Earnings coverage of net charge-offs (x) | 6.8564% | 2,700 |
| Efficiency ratio | 53.7290% | 6,283 |
| Assets per employee ($millions) | 9.2933% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7740% | 907 |
| Loan loss allowance to noncurrent loans | 118.9375% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 2.2900% | 2,322 |
| Noncurrent loans to loans | 2.3323% | 2,470 |
| Net loans and leases to total assets | 65.2461% | 2,791 |
| Net loans and leases to deposits | 73.9451% | 3,289 |
| Net loans and leases to core deposits | 101.5979% | 1,011 |
| Total domestic deposits to total assets | 88.2359% | 1,887 |
| Equity capital to assets | 9.8522% | 4,706 |
| Core capital (leverage) ratio | 10.0599% | 3,457 |
| Tier 1 risk-based capital ratio | 15.1070% | 3,767 |
| Total risk-based capital ratio | 16.3785% | 3,710 |
| Memoranda: | ||
| Average total assets | $185,479,750 | 3,265 |
| Average earning assets | $173,529,250 | 3,219 |
| Average equity | $19,378,250 | 3,307 |
| Average total loans | $130,216,250 | 2,913 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8383% | 2,347 |
| Cost of funding earning assets | 0.7195% | 3,858 |
| Net interest margin | 4.1188% | 2,015 |
| Noninterest income to average assets | 0.2824% | 5,554 |
| Noninterest expense to average assets | 2.2595% | 5,846 |
| Loan and lease loss provision to assets | 1.2838% | 309 |
| Net operating income to assets | 0.3992% | 5,208 |
| Return on assets (ROA) | 0.7279% | 3,993 |
| Pretax return on assets | 1.0762% | 3,389 |
| Return on Equity (ROE) | 6.8189% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.8189% | 2,208 |
| Net charge-offs to loans | 0.1517% | 3,701 |
| Credit loss provision to net charge-offs | 1,185.5670% | 278 |
| Earnings coverage of net charge-offs (x) | 17.3299% | 1,536 |
| Efficiency ratio | 54.6289% | 6,261 |
| Assets per employee ($millions) | 7.6787% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8443% | 904 |
| Loan loss allowance to noncurrent loans | 95.5435% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 2.7045% | 2,036 |
| Noncurrent loans to loans | 2.9770% | 1,993 |
| Net loans and leases to total assets | 71.5266% | 1,641 |
| Net loans and leases to deposits | 80.4402% | 2,319 |
| Net loans and leases to core deposits | 108.8103% | 626 |
| Total domestic deposits to total assets | 88.9190% | 1,560 |
| Equity capital to assets | 10.6285% | 3,539 |
| Core capital (leverage) ratio | 10.5274% | 2,774 |
| Tier 1 risk-based capital ratio | 14.9678% | 3,788 |
| Total risk-based capital ratio | 16.2400% | 3,723 |
| Memoranda: | ||
| Average total assets | $179,155,670 | 3,369 |
| Average earning assets | $167,620,670 | 3,299 |
| Average equity | $19,123,330 | 3,337 |
| Average total loans | $127,887,330 | 2,966 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 2,266 |
| Cost of funding earning assets | 0.7456% | 3,896 |
| Net interest margin | 4.1480% | 1,947 |
| Noninterest income to average assets | 0.2877% | 5,573 |
| Noninterest expense to average assets | 2.2629% | 5,871 |
| Loan and lease loss provision to assets | 1.8914% | 160 |
| Net operating income to assets | 0.0181% | 6,383 |
| Return on assets (ROA) | 0.3851% | 5,501 |
| Pretax return on assets | 0.5165% | 5,373 |
| Return on Equity (ROE) | 3.5995% | 5,462 |
| Retained earnings to average equity (ytd only) | 3.5995% | 4,416 |
| Net charge-offs to loans | -0.0032% | 5,748 |
| Credit loss provision to net charge-offs | -83,500.0000% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1170% | 6,336 |
| Assets per employee ($millions) | 7.9956% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9056% | 907 |
| Loan loss allowance to noncurrent loans | 87.0043% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 2.9169% | 1,984 |
| Noncurrent loans to loans | 3.3396% | 1,907 |
| Net loans and leases to total assets | 69.1881% | 1,914 |
| Net loans and leases to deposits | 77.7557% | 2,555 |
| Net loans and leases to core deposits | 101.8239% | 872 |
| Total domestic deposits to total assets | 88.9814% | 1,702 |
| Equity capital to assets | 10.7502% | 3,210 |
| Core capital (leverage) ratio | 10.3673% | 2,910 |
| Tier 1 risk-based capital ratio | 15.8347% | 3,259 |
| Total risk-based capital ratio | 17.1080% | 3,221 |
| Memoranda: | ||
| Average total assets | $176,589,500 | 3,431 |
| Average earning assets | $165,767,000 | 3,350 |
| Average equity | $18,891,500 | 3,367 |
| Average total loans | $123,994,000 | 3,063 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 3,288 |
| Cost of funding earning assets | 0.9178% | 3,976 |
| Net interest margin | 3.9975% | 2,891 |
| Noninterest income to average assets | 0.2931% | 5,434 |
| Noninterest expense to average assets | 2.2769% | 6,095 |
| Loan and lease loss provision to assets | 1.2929% | 635 |
| Net operating income to assets | 0.3840% | 4,934 |
| Return on assets (ROA) | 0.4773% | 4,726 |
| Pretax return on assets | 0.5779% | 4,750 |
| Return on Equity (ROE) | 4.5663% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.5663% | 2,928 |
| Net charge-offs to loans | 1.0615% | 1,630 |
| Credit loss provision to net charge-offs | 178.7632% | 1,464 |
| Earnings coverage of net charge-offs (x) | 2.4312% | 3,999 |
| Efficiency ratio | 56.4241% | 6,262 |
| Assets per employee ($millions) | 8.4417% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2880% | 1,637 |
| Loan loss allowance to noncurrent loans | 64.0347% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 3.0049% | 2,004 |
| Noncurrent loans to loans | 3.5730% | 1,791 |
| Net loans and leases to total assets | 67.5985% | 2,472 |
| Net loans and leases to deposits | 75.9561% | 3,186 |
| Net loans and leases to core deposits | 97.3881% | 1,384 |
| Total domestic deposits to total assets | 88.9968% | 1,534 |
| Equity capital to assets | 10.6461% | 3,366 |
| Core capital (leverage) ratio | 9.8513% | 3,516 |
| Tier 1 risk-based capital ratio | 15.8901% | 3,098 |
| Total risk-based capital ratio | 17.1546% | 3,056 |
| Memoranda: | ||
| Average total assets | $169,921,800 | 3,491 |
| Average earning assets | $159,072,800 | 3,424 |
| Average equity | $17,760,400 | 3,458 |
| Average total loans | $115,777,000 | 3,258 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 3,580 |
| Cost of funding earning assets | 0.9438% | 4,087 |
| Net interest margin | 3.9518% | 3,149 |
| Noninterest income to average assets | 0.2887% | 5,546 |
| Noninterest expense to average assets | 2.3488% | 5,905 |
| Loan and lease loss provision to assets | 1.0225% | 833 |
| Net operating income to assets | 0.4074% | 4,964 |
| Return on assets (ROA) | 0.4664% | 4,885 |
| Pretax return on assets | 0.6988% | 4,482 |
| Return on Equity (ROE) | 4.4844% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.4844% | 3,533 |
| Net charge-offs to loans | 0.1485% | 4,581 |
| Credit loss provision to net charge-offs | 1,014.9606% | 257 |
| Earnings coverage of net charge-offs (x) | 16.2125% | 1,411 |
| Efficiency ratio | 58.9841% | 5,868 |
| Assets per employee ($millions) | 9.0007% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4702% | 1,436 |
| Loan loss allowance to noncurrent loans | 71.7703% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 2.8470% | 2,275 |
| Noncurrent loans to loans | 3.4418% | 1,995 |
| Net loans and leases to total assets | 65.7997% | 2,949 |
| Net loans and leases to deposits | 73.8509% | 3,674 |
| Net loans and leases to core deposits | 95.4087% | 1,658 |
| Total domestic deposits to total assets | 89.0980% | 1,373 |
| Equity capital to assets | 10.3754% | 3,857 |
| Core capital (leverage) ratio | 10.1325% | 3,270 |
| Tier 1 risk-based capital ratio | 15.8731% | 3,179 |
| Total risk-based capital ratio | 17.1407% | 3,127 |
| Memoranda: | ||
| Average total assets | $168,083,250 | 3,551 |
| Average earning assets | $157,090,000 | 3,479 |
| Average equity | $17,482,250 | 3,514 |
| Average total loans | $114,060,750 | 3,320 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9326% | 3,477 |
| Cost of funding earning assets | 0.9698% | 4,171 |
| Net interest margin | 3.9628% | 3,022 |
| Noninterest income to average assets | 0.2961% | 5,517 |
| Noninterest expense to average assets | 2.3424% | 6,023 |
| Loan and lease loss provision to assets | 0.9311% | 953 |
| Net operating income to assets | 0.4724% | 4,633 |
| Return on assets (ROA) | 0.5167% | 4,571 |
| Pretax return on assets | 0.7909% | 4,065 |
| Return on Equity (ROE) | 4.9637% | 4,468 |
| Retained earnings to average equity (ytd only) | 4.9637% | 3,031 |
| Net charge-offs to loans | 0.1290% | 4,447 |
| Credit loss provision to net charge-offs | 1,061.1111% | 318 |
| Earnings coverage of net charge-offs (x) | 18.8472% | 1,239 |
| Efficiency ratio | 58.6154% | 6,083 |
| Assets per employee ($millions) | 8.3144% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1916% | 1,940 |
| Loan loss allowance to noncurrent loans | 455.8559% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 5,133 |
| Noncurrent loans to loans | 0.4808% | 5,943 |
| Net loans and leases to total assets | 64.6673% | 3,326 |
| Net loans and leases to deposits | 73.2446% | 3,909 |
| Net loans and leases to core deposits | 95.2634% | 1,755 |
| Total domestic deposits to total assets | 88.2894% | 1,969 |
| Equity capital to assets | 10.2787% | 3,782 |
| Core capital (leverage) ratio | 10.4603% | 2,755 |
| Tier 1 risk-based capital ratio | 16.4167% | 2,783 |
| Total risk-based capital ratio | 17.6813% | 2,738 |
| Memoranda: | ||
| Average total assets | $164,106,670 | 3,614 |
| Average earning assets | $153,225,000 | 3,570 |
| Average equity | $17,084,000 | 3,555 |
| Average total loans | $111,598,330 | 3,419 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0083% | 3,073 |
| Cost of funding earning assets | 1.0119% | 4,112 |
| Net interest margin | 3.9964% | 2,697 |
| Noninterest income to average assets | 0.2644% | 5,780 |
| Noninterest expense to average assets | 2.3241% | 6,127 |
| Loan and lease loss provision to assets | 1.2313% | 566 |
| Net operating income to assets | 0.3339% | 5,254 |
| Return on assets (ROA) | 0.4104% | 4,992 |
| Pretax return on assets | 0.5388% | 4,900 |
| Return on Equity (ROE) | 3.9153% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.9153% | 3,821 |
| Net charge-offs to loans | 0.2662% | 3,003 |
| Credit loss provision to net charge-offs | 669.8630% | 561 |
| Earnings coverage of net charge-offs (x) | 9.0822% | 1,765 |
| Efficiency ratio | 58.1967% | 6,246 |
| Assets per employee ($millions) | 8.0243% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9980% | 2,426 |
| Loan loss allowance to noncurrent loans | 389.2919% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.8929% | 5,120 |
| Noncurrent loans to loans | 0.5132% | 5,999 |
| Net loans and leases to total assets | 68.8912% | 2,355 |
| Net loans and leases to deposits | 77.5049% | 3,151 |
| Net loans and leases to core deposits | 97.4509% | 1,565 |
| Total domestic deposits to total assets | 88.8862% | 1,848 |
| Equity capital to assets | 10.5767% | 3,101 |
| Core capital (leverage) ratio | 10.6766% | 2,452 |
| Tier 1 risk-based capital ratio | 16.4728% | 2,672 |
| Total risk-based capital ratio | 17.7361% | 2,641 |
| Memoranda: | ||
| Average total assets | $158,858,500 | 3,728 |
| Average earning assets | $148,235,000 | 3,675 |
| Average equity | $16,652,500 | 3,615 |
| Average total loans | $109,677,000 | 3,499 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2033% | 3,590 |
| Cost of funding earning assets | 1.3323% | 3,676 |
| Net interest margin | 3.8711% | 3,633 |
| Noninterest income to average assets | 0.1251% | 6,775 |
| Noninterest expense to average assets | 2.5906% | 5,458 |
| Loan and lease loss provision to assets | 0.6020% | 2,726 |
| Net operating income to assets | 0.3452% | 4,763 |
| Return on assets (ROA) | 0.5137% | 4,187 |
| Pretax return on assets | 0.7679% | 3,735 |
| Return on Equity (ROE) | 4.7786% | 4,166 |
| Retained earnings to average equity (ytd only) | 4.7786% | 2,559 |
| Net charge-offs to loans | 0.6487% | 3,069 |
| Credit loss provision to net charge-offs | 136.1573% | 2,830 |
| Earnings coverage of net charge-offs (x) | 2.5295% | 3,846 |
| Efficiency ratio | 69.8467% | 4,205 |
| Assets per employee ($millions) | 8.2754% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 3,120 |
| Loan loss allowance to noncurrent loans | 105.8756% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.8234% | 3,598 |
| Noncurrent loans to loans | 1.6294% | 4,061 |
| Net loans and leases to total assets | 66.5908% | 3,334 |
| Net loans and leases to deposits | 75.3442% | 3,953 |
| Net loans and leases to core deposits | 96.3060% | 1,974 |
| Total domestic deposits to total assets | 88.3821% | 2,023 |
| Equity capital to assets | 10.3866% | 3,290 |
| Core capital (leverage) ratio | 10.4031% | 2,667 |
| Tier 1 risk-based capital ratio | 16.4732% | 2,530 |
| Total risk-based capital ratio | 17.7306% | 2,500 |
| Memoranda: | ||
| Average total assets | $149,500,000 | 3,884 |
| Average earning assets | $138,411,600 | 3,847 |
| Average equity | $16,071,600 | 3,744 |
| Average total loans | $101,893,000 | 3,744 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2867% | 3,416 |
| Cost of funding earning assets | 1.3899% | 3,635 |
| Net interest margin | 3.8968% | 3,543 |
| Noninterest income to average assets | 0.0904% | 7,088 |
| Noninterest expense to average assets | 2.5651% | 5,448 |
| Loan and lease loss provision to assets | 0.7328% | 2,087 |
| Net operating income to assets | 0.2650% | 5,299 |
| Return on assets (ROA) | 0.4364% | 4,778 |
| Pretax return on assets | 0.6442% | 4,443 |
| Return on Equity (ROE) | 4.0232% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.0232% | 3,645 |
| Net charge-offs to loans | 0.8696% | 2,275 |
| Credit loss provision to net charge-offs | 123.4399% | 3,323 |
| Earnings coverage of net charge-offs (x) | 1.8950% | 4,286 |
| Efficiency ratio | 69.5152% | 4,175 |
| Assets per employee ($millions) | 8.2064% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 3,179 |
| Loan loss allowance to noncurrent loans | 60.0548% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 2.5615% | 2,809 |
| Noncurrent loans to loans | 2.8149% | 2,835 |
| Net loans and leases to total assets | 65.3827% | 3,822 |
| Net loans and leases to deposits | 75.2619% | 4,304 |
| Net loans and leases to core deposits | 97.8256% | 2,064 |
| Total domestic deposits to total assets | 86.8736% | 2,597 |
| Equity capital to assets | 10.7567% | 3,217 |
| Core capital (leverage) ratio | 10.4159% | 2,785 |
| Tier 1 risk-based capital ratio | 16.3530% | 2,612 |
| Total risk-based capital ratio | 17.6102% | 2,563 |
| Memoranda: | ||
| Average total assets | $147,567,000 | 3,970 |
| Average earning assets | $136,312,500 | 3,937 |
| Average equity | $16,006,750 | 3,803 |
| Average total loans | $100,731,250 | 3,843 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2915% | 3,507 |
| Cost of funding earning assets | 1.4438% | 3,595 |
| Net interest margin | 3.8477% | 3,679 |
| Noninterest income to average assets | 0.1216% | 6,995 |
| Noninterest expense to average assets | 2.5639% | 5,482 |
| Loan and lease loss provision to assets | 0.6548% | 2,198 |
| Net operating income to assets | 0.3313% | 5,056 |
| Return on assets (ROA) | 0.3896% | 4,961 |
| Pretax return on assets | 0.5705% | 4,667 |
| Return on Equity (ROE) | 3.5806% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.5806% | 3,816 |
| Net charge-offs to loans | 0.8622% | 2,103 |
| Credit loss provision to net charge-offs | 110.2326% | 3,690 |
| Earnings coverage of net charge-offs (x) | 1.9186% | 4,078 |
| Efficiency ratio | 69.2279% | 4,326 |
| Assets per employee ($millions) | 7.8875% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 3,261 |
| Loan loss allowance to noncurrent loans | 36.2054% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 3.0815% | 2,305 |
| Noncurrent loans to loans | 4.5512% | 1,598 |
| Net loans and leases to total assets | 65.4384% | 3,952 |
| Net loans and leases to deposits | 74.3802% | 4,614 |
| Net loans and leases to core deposits | 93.0163% | 2,843 |
| Total domestic deposits to total assets | 87.9784% | 2,016 |
| Equity capital to assets | 10.9860% | 2,875 |
| Core capital (leverage) ratio | 10.4231% | 2,691 |
| Tier 1 risk-based capital ratio | 16.9166% | 2,316 |
| Total risk-based capital ratio | 18.1734% | 2,265 |
| Memoranda: | ||
| Average total assets | $144,782,000 | 4,053 |
| Average earning assets | $134,781,670 | 4,007 |
| Average equity | $15,751,670 | 3,845 |
| Average total loans | $99,742,000 | 3,907 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4056% | 3,013 |
| Cost of funding earning assets | 1.5785% | 3,083 |
| Net interest margin | 3.8271% | 3,676 |
| Noninterest income to average assets | 0.1209% | 7,084 |
| Noninterest expense to average assets | 2.6012% | 5,355 |
| Loan and lease loss provision to assets | 0.5315% | 2,378 |
| Net operating income to assets | 0.3731% | 4,963 |
| Return on assets (ROA) | 0.3768% | 5,070 |
| Pretax return on assets | 0.5596% | 4,755 |
| Return on Equity (ROE) | 3.4815% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.4815% | 4,059 |
| Net charge-offs to loans | 0.6576% | 2,178 |
| Credit loss provision to net charge-offs | 115.2439% | 3,024 |
| Earnings coverage of net charge-offs (x) | 2.3537% | 3,366 |
| Efficiency ratio | 70.5568% | 4,206 |
| Assets per employee ($millions) | 7.9766% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 3,374 |
| Loan loss allowance to noncurrent loans | 50.4818% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 2.2963% | 3,153 |
| Noncurrent loans to loans | 3.2029% | 2,491 |
| Net loans and leases to total assets | 68.8239% | 3,195 |
| Net loans and leases to deposits | 78.2069% | 4,002 |
| Net loans and leases to core deposits | 101.5894% | 1,967 |
| Total domestic deposits to total assets | 88.0023% | 2,055 |
| Equity capital to assets | 11.0372% | 2,725 |
| Core capital (leverage) ratio | 10.7219% | 2,440 |
| Tier 1 risk-based capital ratio | 16.8208% | 2,335 |
| Total risk-based capital ratio | 18.0778% | 2,286 |
| Memoranda: | ||
| Average total assets | $142,241,500 | 4,154 |
| Average earning assets | $132,529,500 | 4,112 |
| Average equity | $15,395,500 | 3,945 |
| Average total loans | $99,757,500 | 3,967 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7551% | 2,842 |
| Cost of funding earning assets | 2.6592% | 652 |
| Net interest margin | 3.0959% | 6,383 |
| Noninterest income to average assets | 0.0605% | 7,454 |
| Noninterest expense to average assets | 2.5210% | 6,058 |
| Loan and lease loss provision to assets | 0.5365% | 3,688 |
| Net operating income to assets | 0.3802% | 4,203 |
| Return on assets (ROA) | 0.6668% | 3,126 |
| Pretax return on assets | 0.1843% | 5,040 |
| Return on Equity (ROE) | 6.9641% | 2,801 |
| Retained earnings to average equity (ytd only) | 6.9641% | 970 |
| Net charge-offs to loans | 0.3855% | 4,275 |
| Credit loss provision to net charge-offs | 195.0262% | 2,033 |
| Earnings coverage of net charge-offs (x) | 1.5785% | 4,559 |
| Efficiency ratio | 85.3070% | 2,186 |
| Assets per employee ($millions) | 7.4161% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 3,221 |
| Loan loss allowance to noncurrent loans | 50.7136% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 2.2945% | 3,014 |
| Noncurrent loans to loans | 3.1824% | 2,399 |
| Net loans and leases to total assets | 69.1785% | 3,442 |
| Net loans and leases to deposits | 78.7081% | 4,230 |
| Net loans and leases to core deposits | 143.1092% | 705 |
| Total domestic deposits to total assets | 87.8926% | 2,017 |
| Equity capital to assets | 10.6057% | 3,061 |
| Core capital (leverage) ratio | 10.3370% | 2,753 |
| Tier 1 risk-based capital ratio | 16.4171% | 2,351 |
| Total risk-based capital ratio | 17.6736% | 2,297 |
| Memoranda: | ||
| Average total assets | $138,871,200 | 4,147 |
| Average earning assets | $129,850,400 | 4,091 |
| Average equity | $13,296,800 | 4,434 |
| Average total loans | $99,084,000 | 3,977 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8749% | 2,559 |
| Cost of funding earning assets | 2.7990% | 599 |
| Net interest margin | 3.0760% | 6,379 |
| Noninterest income to average assets | 0.0732% | 7,543 |
| Noninterest expense to average assets | 2.4977% | 6,072 |
| Loan and lease loss provision to assets | 0.6697% | 2,730 |
| Net operating income to assets | 0.4857% | 4,049 |
| Return on assets (ROA) | 0.5319% | 3,943 |
| Pretax return on assets | -0.1436% | 5,903 |
| Return on Equity (ROE) | 5.7119% | 3,649 |
| Retained earnings to average equity (ytd only) | 5.7119% | 2,097 |
| Net charge-offs to loans | 0.4885% | 3,270 |
| Credit loss provision to net charge-offs | 191.4601% | 2,368 |
| Earnings coverage of net charge-offs (x) | 1.2975% | 4,806 |
| Efficiency ratio | 84.6229% | 2,229 |
| Assets per employee ($millions) | 7.0734% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 2,953 |
| Loan loss allowance to noncurrent loans | 62.1236% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.8577% | 3,574 |
| Noncurrent loans to loans | 2.5900% | 2,916 |
| Net loans and leases to total assets | 67.7769% | 4,007 |
| Net loans and leases to deposits | 77.2694% | 4,848 |
| Net loans and leases to core deposits | 140.3076% | 904 |
| Total domestic deposits to total assets | 87.7152% | 1,795 |
| Equity capital to assets | 10.3324% | 3,694 |
| Core capital (leverage) ratio | 9.3137% | 4,171 |
| Tier 1 risk-based capital ratio | 14.9058% | 3,084 |
| Total risk-based capital ratio | 16.1619% | 3,018 |
| Memoranda: | ||
| Average total assets | $138,362,750 | 4,175 |
| Average earning assets | $129,473,750 | 4,114 |
| Average equity | $12,885,000 | 4,567 |
| Average total loans | $99,086,250 | 4,014 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0049% | 2,162 |
| Cost of funding earning assets | 2.8629% | 664 |
| Net interest margin | 3.1420% | 6,117 |
| Noninterest income to average assets | 0.0786% | 7,592 |
| Noninterest expense to average assets | 2.5443% | 5,970 |
| Loan and lease loss provision to assets | 0.8432% | 1,990 |
| Net operating income to assets | 0.7052% | 3,228 |
| Return on assets (ROA) | 0.7602% | 3,116 |
| Pretax return on assets | -0.2884% | 6,226 |
| Return on Equity (ROE) | 8.4825% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.4825% | 1,073 |
| Net charge-offs to loans | 0.2088% | 4,210 |
| Credit loss provision to net charge-offs | 556.7308% | 832 |
| Earnings coverage of net charge-offs (x) | 3.0962% | 3,570 |
| Efficiency ratio | 84.4369% | 2,429 |
| Assets per employee ($millions) | 7.2629% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 2,566 |
| Loan loss allowance to noncurrent loans | 61.7690% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.9785% | 3,226 |
| Noncurrent loans to loans | 2.6558% | 2,721 |
| Net loans and leases to total assets | 70.6261% | 3,545 |
| Net loans and leases to deposits | 78.4711% | 4,790 |
| Net loans and leases to core deposits | 157.0191% | 496 |
| Total domestic deposits to total assets | 90.0026% | 831 |
| Equity capital to assets | 9.0770% | 5,204 |
| Core capital (leverage) ratio | 9.0416% | 4,565 |
| Tier 1 risk-based capital ratio | 12.7648% | 4,309 |
| Total risk-based capital ratio | 14.0206% | 4,219 |
| Memoranda: | ||
| Average total assets | $137,328,000 | 4,230 |
| Average earning assets | $128,262,000 | 4,181 |
| Average equity | $12,307,670 | 4,737 |
| Average total loans | $99,631,670 | 4,028 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4559% | 945 |
| Cost of funding earning assets | 2.9819% | 632 |
| Net interest margin | 3.4740% | 4,835 |
| Noninterest income to average assets | 0.0810% | 7,650 |
| Noninterest expense to average assets | 2.5134% | 5,790 |
| Loan and lease loss provision to assets | 1.1188% | 1,168 |
| Net operating income to assets | 1.9742% | 366 |
| Return on assets (ROA) | 2.0605% | 357 |
| Pretax return on assets | -0.1770% | 6,548 |
| Return on Equity (ROE) | 23.1528% | 259 |
| Retained earnings to average equity (ytd only) | 23.1528% | 111 |
| Net charge-offs to loans | 0.0164% | 5,347 |
| Credit loss provision to net charge-offs | 9,325.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 67.2500% | 595 |
| Efficiency ratio | 75.7001% | 3,536 |
| Assets per employee ($millions) | 6.8929% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 2,705 |
| Loan loss allowance to noncurrent loans | 197.1744% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 5,500 |
| Noncurrent loans to loans | 0.7881% | 5,471 |
| Net loans and leases to total assets | 73.7563% | 2,818 |
| Net loans and leases to deposits | 81.8882% | 4,310 |
| Net loans and leases to core deposits | 159.9607% | 490 |
| Total domestic deposits to total assets | 90.0695% | 770 |
| Equity capital to assets | 9.3335% | 4,883 |
| Core capital (leverage) ratio | 8.8916% | 4,870 |
| Tier 1 risk-based capital ratio | 11.7860% | 5,138 |
| Total risk-based capital ratio | 13.0397% | 5,052 |
| Memoranda: | ||
| Average total assets | $133,363,000 | 4,338 |
| Average earning assets | $124,351,000 | 4,281 |
| Average equity | $11,869,000 | 4,873 |
| Average total loans | $97,297,000 | 4,106 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6800% | 2,104 |
| Cost of funding earning assets | 3.6935% | 274 |
| Net interest margin | 2.9865% | 6,949 |
| Noninterest income to average assets | 0.1203% | 7,517 |
| Noninterest expense to average assets | 2.3690% | 6,505 |
| Loan and lease loss provision to assets | 0.5325% | 2,689 |
| Net operating income to assets | 0.0260% | 6,292 |
| Return on assets (ROA) | 0.0242% | 6,157 |
| Pretax return on assets | 0.0242% | 6,107 |
| Return on Equity (ROE) | 0.2677% | 6,147 |
| Retained earnings to average equity (ytd only) | 0.2677% | 5,079 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9202% | 2,465 |
| Assets per employee ($millions) | 6.4434% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 3,467 |
| Loan loss allowance to noncurrent loans | 85.3490% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.2036% | 3,838 |
| Noncurrent loans to loans | 1.5847% | 3,401 |
| Net loans and leases to total assets | 69.8971% | 4,043 |
| Net loans and leases to deposits | 77.9249% | 5,351 |
| Net loans and leases to core deposits | 142.7406% | 1,143 |
| Total domestic deposits to total assets | 89.6980% | 768 |
| Equity capital to assets | 8.4358% | 6,195 |
| Core capital (leverage) ratio | 8.2741% | 6,003 |
| Tier 1 risk-based capital ratio | 11.7535% | 5,016 |
| Total risk-based capital ratio | 13.0053% | 4,928 |
| Memoranda: | ||
| Average total assets | $111,354,400 | 4,739 |
| Average earning assets | $104,671,200 | 4,659 |
| Average equity | $10,086,600 | 5,385 |
| Average total loans | $74,440,400 | 4,718 |