Home > BLC Community Bank > Performance and Condition Ratios
BLC Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8425% | 2,391 |
| Cost of funding earning assets | 2.5055% | 357 |
| Net interest margin | 2.3370% | 4,229 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.6434% | 4,201 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.6300% | 3,364 |
| Return on assets (ROA) | 0.6407% | 3,318 |
| Pretax return on assets | 0.6407% | 3,561 |
| Return on Equity (ROE) | 7.8300% | 3,073 |
| Retained earnings to average equity (ytd only) | 1.4638% | 3,720 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.4063% | 1,971 |
| Assets per employee ($millions) | 13.3526% | 301 |
| Cash dividends to net income (ytd only)* | 81.2935% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 2,572 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.0000% | 1,116 |
| Net loans and leases to deposits | 90.1506% | 1,248 |
| Net loans and leases to core deposits | 100.6966% | 1,386 |
| Total domestic deposits to total assets | 84.3100% | 2,534 |
| Equity capital to assets | 8.3756% | 3,138 |
| Core capital (leverage) ratio | 10.1209% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2868% | 1,764 |
| Memoranda: | ||
| Average total assets | $381,294,200 | 2,077 |
| Average earning assets | $368,591,400 | 2,017 |
| Average equity | $31,219,400 | 2,213 |
| Average total loans | $299,002,400 | 1,793 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 2,420 |
| Cost of funding earning assets | 2.3660% | 353 |
| Net interest margin | 2.3602% | 4,272 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.6617% | 4,174 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.6435% | 3,441 |
| Return on assets (ROA) | 0.6580% | 3,400 |
| Pretax return on assets | 0.6580% | 3,627 |
| Return on Equity (ROE) | 8.0900% | 3,168 |
| Retained earnings to average equity (ytd only) | 1.1707% | 3,910 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.2137% | 1,878 |
| Assets per employee ($millions) | 12.6170% | 325 |
| Cash dividends to net income (ytd only)* | 85.5221% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 2,709 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 76.7100% | 1,031 |
| Net loans and leases to deposits | 90.4479% | 1,199 |
| Net loans and leases to core deposits | 101.2926% | 1,246 |
| Total domestic deposits to total assets | 84.8200% | 2,553 |
| Equity capital to assets | 7.6952% | 3,248 |
| Core capital (leverage) ratio | 10.4262% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4246% | 1,742 |
| Memoranda: | ||
| Average total assets | $376,473,250 | 2,098 |
| Average earning assets | $363,974,000 | 2,027 |
| Average equity | $30,636,500 | 2,224 |
| Average total loans | $296,757,250 | 1,803 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 2,439 |
| Cost of funding earning assets | 2.1727% | 357 |
| Net interest margin | 2.4146% | 4,288 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.7304% | 4,108 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.6206% | 3,530 |
| Return on assets (ROA) | 0.6426% | 3,489 |
| Pretax return on assets | 0.6426% | 3,719 |
| Return on Equity (ROE) | 7.7500% | 3,301 |
| Retained earnings to average equity (ytd only) | -0.1817% | 4,127 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.6904% | 1,699 |
| Assets per employee ($millions) | 11.9174% | 386 |
| Cash dividends to net income (ytd only)* | 102.3451% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 2,970 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 79.2400% | 710 |
| Net loans and leases to deposits | 98.8046% | 569 |
| Net loans and leases to core deposits | 111.1290% | 778 |
| Total domestic deposits to total assets | 80.2000% | 3,543 |
| Equity capital to assets | 8.2067% | 3,081 |
| Core capital (leverage) ratio | 10.6506% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2296% | 1,806 |
| Memoranda: | ||
| Average total assets | $371,589,000 | 2,116 |
| Average earning assets | $358,906,667 | 2,049 |
| Average equity | $30,816,000 | 2,229 |
| Average total loans | $294,512,667 | 1,803 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 2,250 |
| Cost of funding earning assets | 1.8540% | 404 |
| Net interest margin | 2.6759% | 4,104 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 1.8620% | 3,928 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.7439% | 3,360 |
| Return on assets (ROA) | 0.6992% | 3,415 |
| Pretax return on assets | 0.6992% | 3,665 |
| Return on Equity (ROE) | 8.3900% | 3,204 |
| Retained earnings to average equity (ytd only) | 0.3925% | 3,962 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.8584% | 1,880 |
| Assets per employee ($millions) | 10.6625% | 574 |
| Cash dividends to net income (ytd only)* | 95.3198% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 3,018 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 78.0100% | 767 |
| Net loans and leases to deposits | 96.4011% | 629 |
| Net loans and leases to core deposits | 111.6578% | 650 |
| Total domestic deposits to total assets | 80.9200% | 3,646 |
| Equity capital to assets | 8.6187% | 2,807 |
| Core capital (leverage) ratio | 10.9213% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4543% | 1,805 |
| Memoranda: | ||
| Average total assets | $366,705,000 | 2,169 |
| Average earning assets | $354,267,000 | 2,099 |
| Average equity | $30,575,500 | 2,270 |
| Average total loans | $289,002,500 | 1,843 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6695% | 2,131 |
| Cost of funding earning assets | 0.5389% | 611 |
| Net interest margin | 3.1307% | 2,829 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.7564% | 4,065 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.4082% | 1,068 |
| Return on assets (ROA) | 1.4094% | 1,035 |
| Pretax return on assets | 1.4094% | 1,686 |
| Return on Equity (ROE) | 14.3300% | 1,342 |
| Retained earnings to average equity (ytd only) | 6.9091% | 2,396 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.4711% | 3,779 |
| Assets per employee ($millions) | 9.5998% | 732 |
| Cash dividends to net income (ytd only)* | 51.7710% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 2,944 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.9000% | 813 |
| Net loans and leases to deposits | 88.2464% | 1,017 |
| Net loans and leases to core deposits | 108.0693% | 534 |
| Total domestic deposits to total assets | 87.1500% | 2,711 |
| Equity capital to assets | 8.1359% | 2,811 |
| Core capital (leverage) ratio | 11.1099% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3984% | 1,905 |
| Memoranda: | ||
| Average total assets | $333,855,000 | 2,302 |
| Average earning assets | $323,885,500 | 2,236 |
| Average equity | $32,844,750 | 2,239 |
| Average total loans | $249,558,750 | 1,943 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4882% | 2,176 |
| Cost of funding earning assets | 0.4072% | 877 |
| Net interest margin | 3.0810% | 2,596 |
| Noninterest income to average assets | 0.2657% | 3,583 |
| Noninterest expense to average assets | 1.7537% | 4,048 |
| Loan and lease loss provision to assets | 0.0367% | 1,929 |
| Net operating income to assets | 1.4672% | 765 |
| Return on assets (ROA) | 1.4672% | 745 |
| Pretax return on assets | 1.4672% | 1,263 |
| Return on Equity (ROE) | 14.0338% | 1,109 |
| Retained earnings to average equity (ytd only) | 6.9086% | 2,018 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8331% | 3,981 |
| Assets per employee ($millions) | 9.4660% | 761 |
| Cash dividends to net income (ytd only)* | 50.7718% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 73.8007% | 936 |
| Net loans and leases to deposits | 83.8543% | 1,133 |
| Net loans and leases to core deposits | 101.7729% | 602 |
| Total domestic deposits to total assets | 88.0106% | 2,571 |
| Equity capital to assets | 9.1764% | 2,257 |
| Core capital (leverage) ratio | 11.6303% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2165% | 1,651 |
| Memoranda: | ||
| Average total assets | $326,742,667 | 2,344 |
| Average earning assets | $317,301,333 | 2,288 |
| Average equity | $34,160,333 | 2,227 |
| Average total loans | $240,666,000 | 1,992 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4310% | 2,000 |
| Cost of funding earning assets | 0.3805% | 987 |
| Net interest margin | 3.0505% | 2,325 |
| Noninterest income to average assets | 0.3928% | 2,741 |
| Noninterest expense to average assets | 1.7252% | 4,097 |
| Loan and lease loss provision to assets | 0.0375% | 1,682 |
| Net operating income to assets | 1.5989% | 510 |
| Return on assets (ROA) | 1.5989% | 509 |
| Pretax return on assets | 1.5989% | 829 |
| Return on Equity (ROE) | 14.3575% | 768 |
| Retained earnings to average equity (ytd only) | 7.5158% | 1,728 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3212% | 4,235 |
| Assets per employee ($millions) | 8.9426% | 939 |
| Cash dividends to net income (ytd only)* | 47.6526% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 2,582 |
| 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 | 72.4508% | 790 |
| Net loans and leases to deposits | 85.2964% | 786 |
| Net loans and leases to core deposits | 98.5245% | 561 |
| Total domestic deposits to total assets | 84.9400% | 3,547 |
| Equity capital to assets | 10.5659% | 1,568 |
| Core capital (leverage) ratio | 11.8975% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9162% | 1,537 |
| Memoranda: | ||
| Average total assets | $319,726,000 | 2,396 |
| Average earning assets | $311,166,000 | 2,330 |
| Average equity | $35,605,000 | 2,235 |
| Average total loans | $233,756,500 | 2,026 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 1,465 |
| Cost of funding earning assets | 0.5589% | 671 |
| Net interest margin | 3.3985% | 2,039 |
| Noninterest income to average assets | 0.6016% | 2,146 |
| Noninterest expense to average assets | 1.7576% | 4,212 |
| Loan and lease loss provision to assets | 0.0231% | 2,605 |
| Net operating income to assets | 2.1177% | 276 |
| Return on assets (ROA) | 2.1913% | 261 |
| Pretax return on assets | 2.1913% | 421 |
| Return on Equity (ROE) | 19.2583% | 357 |
| Retained earnings to average equity (ytd only) | 7.1224% | 1,873 |
| Net charge-offs to loans | -0.0067% | 3,622 |
| Credit loss provision to net charge-offs | -468.7500% | 3,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0853% | 4,536 |
| Assets per employee ($millions) | 9.0720% | 899 |
| Cash dividends to net income (ytd only)* | 63.0166% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,520 |
| Loan loss allowance to noncurrent loans | 3,184.7826% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 3,835 |
| Noncurrent loans to loans | 0.0398% | 3,789 |
| Net loans and leases to total assets | 71.9264% | 848 |
| Net loans and leases to deposits | 85.8872% | 787 |
| Net loans and leases to core deposits | 99.9930% | 538 |
| Total domestic deposits to total assets | 83.7452% | 3,626 |
| Equity capital to assets | 11.7143% | 1,385 |
| Core capital (leverage) ratio | 11.6230% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2758% | 1,440 |
| Memoranda: | ||
| Average total assets | $324,646,200 | 2,320 |
| Average earning assets | $314,930,200 | 2,260 |
| Average equity | $36,940,000 | 2,204 |
| Average total loans | $240,540,800 | 1,988 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9436% | 1,657 |
| Cost of funding earning assets | 0.5905% | 668 |
| Net interest margin | 3.3530% | 2,288 |
| Noninterest income to average assets | 0.7058% | 1,808 |
| Noninterest expense to average assets | 1.7147% | 4,309 |
| Loan and lease loss provision to assets | 0.0306% | 2,380 |
| Net operating income to assets | 2.2073% | 321 |
| Return on assets (ROA) | 2.3049% | 284 |
| Pretax return on assets | 2.3049% | 463 |
| Return on Equity (ROE) | 20.4029% | 399 |
| Retained earnings to average equity (ytd only) | 8.5726% | 1,850 |
| Net charge-offs to loans | -0.0088% | 3,619 |
| Credit loss provision to net charge-offs | -468.7500% | 3,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3812% | 4,604 |
| Assets per employee ($millions) | 8.6861% | 989 |
| Cash dividends to net income (ytd only)* | 57.9833% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 2,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 71.6654% | 901 |
| Net loans and leases to deposits | 85.7462% | 841 |
| Net loans and leases to core deposits | 104.5032% | 442 |
| Total domestic deposits to total assets | 83.5786% | 3,567 |
| Equity capital to assets | 11.6259% | 1,592 |
| Core capital (leverage) ratio | 11.3115% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4687% | 1,500 |
| Memoranda: | ||
| Average total assets | $326,428,000 | 2,339 |
| Average earning assets | $316,082,750 | 2,270 |
| Average equity | $36,876,250 | 2,240 |
| Average total loans | $242,848,500 | 2,003 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8691% | 1,904 |
| Cost of funding earning assets | 0.6376% | 611 |
| Net interest margin | 3.2315% | 2,660 |
| Noninterest income to average assets | 0.8046% | 1,523 |
| Noninterest expense to average assets | 1.6879% | 4,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2432% | 313 |
| Return on assets (ROA) | 2.3596% | 281 |
| Pretax return on assets | 2.3596% | 436 |
| Return on Equity (ROE) | 21.0875% | 378 |
| Retained earnings to average equity (ytd only) | 9.8655% | 1,440 |
| Net charge-offs to loans | -0.0130% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9369% | 4,663 |
| Assets per employee ($millions) | 8.8387% | 905 |
| Cash dividends to net income (ytd only)* | 53.2162% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 3,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 74.9554% | 679 |
| Net loans and leases to deposits | 98.4118% | 303 |
| Net loans and leases to core deposits | 120.0190% | 216 |
| Total domestic deposits to total assets | 76.1650% | 4,553 |
| Equity capital to assets | 11.3977% | 1,701 |
| Core capital (leverage) ratio | 11.2429% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0067% | 1,625 |
| Memoranda: | ||
| Average total assets | $328,109,000 | 2,319 |
| Average earning assets | $317,437,667 | 2,249 |
| Average equity | $36,713,667 | 2,239 |
| Average total loans | $246,047,333 | 1,992 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 1,677 |
| Cost of funding earning assets | 0.6838% | 580 |
| Net interest margin | 3.2765% | 2,459 |
| Noninterest income to average assets | 0.9433% | 1,230 |
| Noninterest expense to average assets | 1.6711% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.4330% | 294 |
| Return on assets (ROA) | 2.5304% | 274 |
| Pretax return on assets | 2.5304% | 414 |
| Return on Equity (ROE) | 22.8251% | 344 |
| Retained earnings to average equity (ytd only) | 12.1866% | 1,105 |
| Net charge-offs to loans | -0.0261% | 4,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7177% | 4,725 |
| Assets per employee ($millions) | 8.8549% | 878 |
| Cash dividends to net income (ytd only)* | 46.6089% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 3,156 |
| Loan loss allowance to noncurrent loans | 2,973.9583% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 4,151 |
| Noncurrent loans to loans | 0.0389% | 4,086 |
| Net loans and leases to total assets | 74.4380% | 776 |
| Net loans and leases to deposits | 91.5779% | 616 |
| Net loans and leases to core deposits | 117.3779% | 272 |
| Total domestic deposits to total assets | 81.2838% | 4,017 |
| Equity capital to assets | 11.0975% | 1,787 |
| Core capital (leverage) ratio | 11.0380% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9993% | 1,569 |
| Memoranda: | ||
| Average total assets | $328,647,500 | 2,294 |
| Average earning assets | $317,041,500 | 2,239 |
| Average equity | $36,433,500 | 2,238 |
| Average total loans | $245,079,500 | 1,993 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 2,494 |
| Cost of funding earning assets | 1.0790% | 435 |
| Net interest margin | 2.9960% | 3,895 |
| Noninterest income to average assets | 1.1721% | 794 |
| Noninterest expense to average assets | 1.7872% | 4,492 |
| Loan and lease loss provision to assets | 0.0500% | 3,760 |
| Net operating income to assets | 2.2260% | 180 |
| Return on assets (ROA) | 2.3266% | 177 |
| Pretax return on assets | 2.3266% | 243 |
| Return on Equity (ROE) | 20.1325% | 228 |
| Retained earnings to average equity (ytd only) | 7.7929% | 1,117 |
| Net charge-offs to loans | -0.0009% | 3,926 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9852% | 4,787 |
| Assets per employee ($millions) | 9.6960% | 584 |
| Cash dividends to net income (ytd only)* | 61.2917% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 3,128 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 72.9782% | 1,160 |
| Net loans and leases to deposits | 92.2987% | 761 |
| Net loans and leases to core deposits | 119.7246% | 310 |
| Total domestic deposits to total assets | 79.0675% | 4,194 |
| Equity capital to assets | 11.0743% | 2,197 |
| Core capital (leverage) ratio | 10.6695% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0269% | 1,518 |
| Memoranda: | ||
| Average total assets | $300,136,400 | 2,292 |
| Average earning assets | $289,619,200 | 2,228 |
| Average equity | $34,685,200 | 2,243 |
| Average total loans | $233,024,600 | 2,015 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,049 |
| Cost of funding earning assets | 1.1731% | 408 |
| Net interest margin | 2.8005% | 4,342 |
| Noninterest income to average assets | 1.0279% | 984 |
| Noninterest expense to average assets | 1.7033% | 4,623 |
| Loan and lease loss provision to assets | 0.0683% | 3,475 |
| Net operating income to assets | 1.9625% | 322 |
| Return on assets (ROA) | 2.1000% | 261 |
| Pretax return on assets | 2.1000% | 415 |
| Return on Equity (ROE) | 17.9607% | 365 |
| Retained earnings to average equity (ytd only) | 7.3969% | 1,539 |
| Net charge-offs to loans | -0.0012% | 3,827 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6153% | 4,736 |
| Assets per employee ($millions) | 9.2641% | 641 |
| Cash dividends to net income (ytd only)* | 58.8159% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 3,093 |
| Loan loss allowance to noncurrent loans | 5,914.5833% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 4,412 |
| Noncurrent loans to loans | 0.0189% | 4,343 |
| Net loans and leases to total assets | 79.5164% | 654 |
| Net loans and leases to deposits | 102.3510% | 439 |
| Net loans and leases to core deposits | 133.2518% | 203 |
| Total domestic deposits to total assets | 77.6899% | 4,243 |
| Equity capital to assets | 11.3941% | 2,087 |
| Core capital (leverage) ratio | 10.7857% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3652% | 1,406 |
| Memoranda: | ||
| Average total assets | $292,754,500 | 2,310 |
| Average earning assets | $282,896,250 | 2,255 |
| Average equity | $34,229,500 | 2,258 |
| Average total loans | $230,425,250 | 2,031 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 3,342 |
| Cost of funding earning assets | 1.2667% | 411 |
| Net interest margin | 2.7264% | 4,531 |
| Noninterest income to average assets | 0.9406% | 1,089 |
| Noninterest expense to average assets | 1.7621% | 4,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8125% | 486 |
| Return on assets (ROA) | 2.0242% | 349 |
| Pretax return on assets | 2.0242% | 516 |
| Return on Equity (ROE) | 17.1515% | 433 |
| Retained earnings to average equity (ytd only) | 9.6329% | 853 |
| Net charge-offs to loans | -0.0009% | 3,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2941% | 4,543 |
| Assets per employee ($millions) | 9.7081% | 547 |
| Cash dividends to net income (ytd only)* | 43.8366% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 3,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 75.8712% | 1,154 |
| Net loans and leases to deposits | 101.0430% | 492 |
| Net loans and leases to core deposits | 133.3306% | 226 |
| Total domestic deposits to total assets | 75.0880% | 4,511 |
| Equity capital to assets | 11.0429% | 2,304 |
| Core capital (leverage) ratio | 13.9268% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8326% | 1,292 |
| Memoranda: | ||
| Average total assets | $285,346,333 | 2,332 |
| Average earning assets | $275,674,667 | 2,277 |
| Average equity | $33,676,333 | 2,281 |
| Average total loans | $222,800,667 | 2,059 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3321% | 2,818 |
| Cost of funding earning assets | 1.3957% | 405 |
| Net interest margin | 2.9364% | 4,373 |
| Noninterest income to average assets | 0.3554% | 3,394 |
| Noninterest expense to average assets | 1.7817% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4173% | 949 |
| Return on assets (ROA) | 1.8205% | 437 |
| Pretax return on assets | 1.8205% | 669 |
| Return on Equity (ROE) | 14.8543% | 567 |
| Retained earnings to average equity (ytd only) | 7.5064% | 1,376 |
| Net charge-offs to loans | -0.0019% | 3,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6956% | 4,237 |
| Assets per employee ($millions) | 8.3274% | 656 |
| Cash dividends to net income (ytd only)* | 49.4668% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 2,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 79.0365% | 819 |
| Net loans and leases to deposits | 103.1325% | 402 |
| Net loans and leases to core deposits | 142.2981% | 155 |
| Total domestic deposits to total assets | 76.6359% | 4,406 |
| Equity capital to assets | 12.4172% | 1,783 |
| Core capital (leverage) ratio | 12.0678% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5007% | 1,471 |
| Memoranda: | ||
| Average total assets | $267,835,500 | 2,379 |
| Average earning assets | $259,366,500 | 2,324 |
| Average equity | $32,825,500 | 2,310 |
| Average total loans | $211,323,500 | 2,115 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4292% | 3,161 |
| Cost of funding earning assets | 1.3923% | 580 |
| Net interest margin | 3.0369% | 4,471 |
| Noninterest income to average assets | 0.2409% | 4,236 |
| Noninterest expense to average assets | 1.6149% | 4,942 |
| Loan and lease loss provision to assets | 0.0805% | 2,386 |
| Net operating income to assets | 1.4889% | 1,081 |
| Return on assets (ROA) | 1.4907% | 1,137 |
| Pretax return on assets | 1.4907% | 1,834 |
| Return on Equity (ROE) | 12.8215% | 1,229 |
| Retained earnings to average equity (ytd only) | 3.9422% | 2,994 |
| Net charge-offs to loans | 0.0086% | 3,370 |
| Credit loss provision to net charge-offs | 1,222.2222% | 280 |
| Earnings coverage of net charge-offs (x) | 238.1667% | 349 |
| Efficiency ratio | 50.7128% | 4,691 |
| Assets per employee ($millions) | 8.9731% | 506 |
| Cash dividends to net income (ytd only)* | 69.2534% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 2,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.7692% | 1,294 |
| Net loans and leases to deposits | 98.1315% | 751 |
| Net loans and leases to core deposits | 136.8514% | 202 |
| Total domestic deposits to total assets | 78.2309% | 4,320 |
| Equity capital to assets | 12.0961% | 2,078 |
| Core capital (leverage) ratio | 11.8277% | 1,878 |
| Tier 1 risk-based capital ratio | 15.0992% | 2,741 |
| Total risk-based capital ratio | 16.3491% | 2,672 |
| Memoranda: | ||
| Average total assets | $273,151,600 | 2,311 |
| Average earning assets | $264,741,200 | 2,247 |
| Average equity | $31,759,200 | 2,313 |
| Average total loans | $209,421,600 | 2,087 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4022% | 3,349 |
| Cost of funding earning assets | 1.3743% | 630 |
| Net interest margin | 3.0278% | 4,590 |
| Noninterest income to average assets | 0.1979% | 4,534 |
| Noninterest expense to average assets | 1.5952% | 5,006 |
| Loan and lease loss provision to assets | 0.0963% | 1,985 |
| Net operating income to assets | 1.4445% | 1,346 |
| Return on assets (ROA) | 1.4430% | 1,400 |
| Pretax return on assets | 1.4430% | 2,142 |
| Return on Equity (ROE) | 12.5351% | 1,429 |
| Retained earnings to average equity (ytd only) | 4.4234% | 3,181 |
| Net charge-offs to loans | 0.0121% | 2,929 |
| Credit loss provision to net charge-offs | 1,042.1053% | 336 |
| Earnings coverage of net charge-offs (x) | 166.7544% | 502 |
| Efficiency ratio | 50.8685% | 4,687 |
| Assets per employee ($millions) | 9.6827% | 382 |
| Cash dividends to net income (ytd only)* | 64.7119% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 71.8574% | 2,196 |
| Net loans and leases to deposits | 89.5849% | 1,749 |
| Net loans and leases to core deposits | 122.6459% | 453 |
| Total domestic deposits to total assets | 80.2115% | 3,947 |
| Equity capital to assets | 10.9390% | 3,151 |
| Core capital (leverage) ratio | 11.4966% | 2,222 |
| Tier 1 risk-based capital ratio | 14.0769% | 3,290 |
| Total risk-based capital ratio | 15.2568% | 3,237 |
| Memoranda: | ||
| Average total assets | $274,141,000 | 2,324 |
| Average earning assets | $266,013,250 | 2,252 |
| Average equity | $31,558,500 | 2,337 |
| Average total loans | $209,440,750 | 2,107 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 3,104 |
| Cost of funding earning assets | 1.3634% | 610 |
| Net interest margin | 3.1069% | 4,520 |
| Noninterest income to average assets | 0.1620% | 4,781 |
| Noninterest expense to average assets | 1.6544% | 5,020 |
| Loan and lease loss provision to assets | 0.0994% | 1,879 |
| Net operating income to assets | 1.4194% | 1,381 |
| Return on assets (ROA) | 1.4171% | 1,439 |
| Pretax return on assets | 1.4171% | 2,149 |
| Return on Equity (ROE) | 12.0836% | 1,545 |
| Retained earnings to average equity (ytd only) | 4.3748% | 3,080 |
| Net charge-offs to loans | 0.0184% | 2,507 |
| Credit loss provision to net charge-offs | 694.7368% | 466 |
| Earnings coverage of net charge-offs (x) | 106.1053% | 669 |
| Efficiency ratio | 52.1368% | 4,645 |
| Assets per employee ($millions) | 8.4894% | 555 |
| Cash dividends to net income (ytd only)* | 63.7959% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 78.5463% | 1,114 |
| Net loans and leases to deposits | 102.3234% | 518 |
| Net loans and leases to core deposits | 147.9723% | 142 |
| Total domestic deposits to total assets | 76.7629% | 4,590 |
| Equity capital to assets | 11.8424% | 2,307 |
| Core capital (leverage) ratio | 11.7651% | 1,975 |
| Tier 1 risk-based capital ratio | 14.2449% | 3,188 |
| Total risk-based capital ratio | 15.4261% | 3,145 |
| Memoranda: | ||
| Average total assets | $265,466,670 | 2,382 |
| Average earning assets | $257,297,670 | 2,314 |
| Average equity | $31,133,000 | 2,349 |
| Average total loans | $206,469,670 | 2,143 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4411% | 3,082 |
| Cost of funding earning assets | 1.2821% | 697 |
| Net interest margin | 3.1590% | 4,482 |
| Noninterest income to average assets | 0.1708% | 4,716 |
| Noninterest expense to average assets | 1.6435% | 5,062 |
| Loan and lease loss provision to assets | 0.1006% | 1,749 |
| Net operating income to assets | 1.4880% | 1,139 |
| Return on assets (ROA) | 1.4880% | 1,163 |
| Pretax return on assets | 1.4880% | 1,811 |
| Return on Equity (ROE) | 12.7523% | 1,299 |
| Retained earnings to average equity (ytd only) | 4.9128% | 2,944 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8491% | 4,770 |
| Assets per employee ($millions) | 8.4433% | 572 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 2,402 |
| Loan loss allowance to noncurrent loans | 2,966.2791% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 4,680 |
| Noncurrent loans to loans | 0.0416% | 4,577 |
| Net loans and leases to total assets | 75.5244% | 1,556 |
| Net loans and leases to deposits | 94.6681% | 1,092 |
| Net loans and leases to core deposits | 129.9254% | 310 |
| Total domestic deposits to total assets | 79.7781% | 4,209 |
| Equity capital to assets | 11.5250% | 2,377 |
| Core capital (leverage) ratio | 11.7540% | 1,935 |
| Tier 1 risk-based capital ratio | 14.5697% | 3,075 |
| Total risk-based capital ratio | 15.7676% | 3,021 |
| Memoranda: | ||
| Average total assets | $262,370,000 | 2,424 |
| Average earning assets | $254,261,000 | 2,353 |
| Average equity | $30,614,000 | 2,377 |
| Average total loans | $201,716,000 | 2,197 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1707% | 3,525 |
| Cost of funding earning assets | 0.9521% | 917 |
| Net interest margin | 3.2187% | 4,448 |
| Noninterest income to average assets | 0.1503% | 4,959 |
| Noninterest expense to average assets | 1.6911% | 5,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5769% | 934 |
| Return on assets (ROA) | 1.5743% | 927 |
| Pretax return on assets | 1.5743% | 1,537 |
| Return on Equity (ROE) | 12.6591% | 1,481 |
| Retained earnings to average equity (ytd only) | 3.5421% | 3,638 |
| Net charge-offs to loans | 0.0906% | 1,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 22.2189% | 1,910 |
| Efficiency ratio | 51.7476% | 4,815 |
| Assets per employee ($millions) | 8.4851% | 552 |
| Cash dividends to net income (ytd only)* | 72.0192% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,237 |
| Loan loss allowance to noncurrent loans | 6,716.2162% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 4,822 |
| Noncurrent loans to loans | 0.0188% | 4,707 |
| Net loans and leases to total assets | 76.3452% | 1,549 |
| Net loans and leases to deposits | 94.3114% | 1,242 |
| Net loans and leases to core deposits | 127.7680% | 358 |
| Total domestic deposits to total assets | 80.9501% | 3,903 |
| Equity capital to assets | 11.8203% | 2,015 |
| Core capital (leverage) ratio | 12.3192% | 1,552 |
| Tier 1 risk-based capital ratio | 15.2975% | 2,700 |
| Total risk-based capital ratio | 16.5377% | 2,633 |
| Memoranda: | ||
| Average total assets | $238,130,600 | 2,556 |
| Average earning assets | $230,655,400 | 2,479 |
| Average equity | $29,615,000 | 2,355 |
| Average total loans | $186,556,400 | 2,280 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 3,607 |
| Cost of funding earning assets | 0.8767% | 1,009 |
| Net interest margin | 3.2317% | 4,449 |
| Noninterest income to average assets | 0.1555% | 4,995 |
| Noninterest expense to average assets | 1.6459% | 5,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6408% | 861 |
| Return on assets (ROA) | 1.6374% | 881 |
| Pretax return on assets | 1.6374% | 1,458 |
| Return on Equity (ROE) | 12.9910% | 1,432 |
| Retained earnings to average equity (ytd only) | 5.3971% | 3,009 |
| Net charge-offs to loans | 0.1290% | 1,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 16.1796% | 2,178 |
| Efficiency ratio | 50.0780% | 4,938 |
| Assets per employee ($millions) | 7.6745% | 721 |
| Cash dividends to net income (ytd only)* | 58.4551% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 2,141 |
| Loan loss allowance to noncurrent loans | 1,807.2993% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 4,685 |
| Noncurrent loans to loans | 0.0714% | 4,555 |
| Net loans and leases to total assets | 79.6347% | 1,075 |
| Net loans and leases to deposits | 100.8512% | 714 |
| Net loans and leases to core deposits | 141.3230% | 200 |
| Total domestic deposits to total assets | 78.9626% | 4,323 |
| Equity capital to assets | 12.5333% | 1,563 |
| Core capital (leverage) ratio | 12.8806% | 1,333 |
| Tier 1 risk-based capital ratio | 15.8537% | 2,505 |
| Total risk-based capital ratio | 17.1036% | 2,439 |
| Memoranda: | ||
| Average total assets | $234,025,000 | 2,594 |
| Average earning assets | $226,749,500 | 2,519 |
| Average equity | $29,496,500 | 2,370 |
| Average total loans | $183,989,500 | 2,315 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 3,804 |
| Cost of funding earning assets | 0.7982% | 1,137 |
| Net interest margin | 3.1945% | 4,517 |
| Noninterest income to average assets | 0.1315% | 5,150 |
| Noninterest expense to average assets | 1.6586% | 5,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5718% | 986 |
| Return on assets (ROA) | 1.5692% | 998 |
| Pretax return on assets | 1.5692% | 1,605 |
| Return on Equity (ROE) | 12.4263% | 1,567 |
| Retained earnings to average equity (ytd only) | 5.0767% | 3,035 |
| Net charge-offs to loans | 0.3022% | 527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.6752% | 2,605 |
| Efficiency ratio | 51.3434% | 4,946 |
| Assets per employee ($millions) | 7.6568% | 721 |
| Cash dividends to net income (ytd only)* | 59.1457% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 2,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 77.8894% | 1,336 |
| Net loans and leases to deposits | 99.8024% | 820 |
| Net loans and leases to core deposits | 134.7976% | 255 |
| Total domestic deposits to total assets | 78.0436% | 4,584 |
| Equity capital to assets | 12.4237% | 1,581 |
| Core capital (leverage) ratio | 13.0883% | 1,189 |
| Tier 1 risk-based capital ratio | 16.3059% | 2,330 |
| Total risk-based capital ratio | 17.5561% | 2,269 |
| Memoranda: | ||
| Average total assets | $232,730,000 | 2,613 |
| Average earning assets | $225,764,330 | 2,547 |
| Average equity | $29,389,330 | 2,387 |
| Average total loans | $181,341,000 | 2,346 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9001% | 3,921 |
| Cost of funding earning assets | 0.7182% | 1,352 |
| Net interest margin | 3.1819% | 4,527 |
| Noninterest income to average assets | 0.1094% | 5,293 |
| Noninterest expense to average assets | 1.6579% | 5,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5433% | 970 |
| Return on assets (ROA) | 1.5450% | 973 |
| Pretax return on assets | 1.5450% | 1,545 |
| Return on Equity (ROE) | 12.1338% | 1,531 |
| Retained earnings to average equity (ytd only) | 5.5897% | 2,906 |
| Net charge-offs to loans | -0.0045% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7896% | 4,973 |
| Assets per employee ($millions) | 7.9263% | 640 |
| Cash dividends to net income (ytd only)* | 53.9326% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 1,519 |
| Loan loss allowance to noncurrent loans | 746.0674% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 4,304 |
| Noncurrent loans to loans | 0.1989% | 4,077 |
| Net loans and leases to total assets | 76.6945% | 1,426 |
| Net loans and leases to deposits | 95.0884% | 1,120 |
| Net loans and leases to core deposits | 125.3078% | 441 |
| Total domestic deposits to total assets | 80.6560% | 4,283 |
| Equity capital to assets | 12.7602% | 1,357 |
| Core capital (leverage) ratio | 13.3213% | 1,063 |
| Tier 1 risk-based capital ratio | 16.4039% | 2,320 |
| Total risk-based capital ratio | 17.6561% | 2,260 |
| Memoranda: | ||
| Average total assets | $230,414,500 | 2,660 |
| Average earning assets | $223,891,500 | 2,581 |
| Average equity | $29,339,500 | 2,413 |
| Average total loans | $178,382,000 | 2,377 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 3,439 |
| Cost of funding earning assets | 0.5958% | 1,622 |
| Net interest margin | 3.3933% | 3,871 |
| Noninterest income to average assets | -0.0106% | 5,629 |
| Noninterest expense to average assets | 1.8928% | 5,122 |
| Loan and lease loss provision to assets | -0.2765% | 5,609 |
| Net operating income to assets | 1.6504% | 583 |
| Return on assets (ROA) | 1.6500% | 602 |
| Pretax return on assets | 1.6500% | 1,157 |
| Return on Equity (ROE) | 12.2590% | 1,137 |
| Retained earnings to average equity (ytd only) | 3.2214% | 3,373 |
| Net charge-offs to loans | -0.3291% | 5,575 |
| Credit loss provision to net charge-offs | 107.9137% | 2,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9408% | 4,536 |
| Assets per employee ($millions) | 7.2177% | 879 |
| Cash dividends to net income (ytd only)* | 73.7224% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 1,430 |
| Loan loss allowance to noncurrent loans | 16,587.5000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 5,146 |
| Noncurrent loans to loans | 0.0090% | 5,011 |
| Net loans and leases to total assets | 75.8388% | 1,629 |
| Net loans and leases to deposits | 91.4192% | 1,599 |
| Net loans and leases to core deposits | 117.3404% | 673 |
| Total domestic deposits to total assets | 82.9572% | 3,577 |
| Equity capital to assets | 12.7067% | 1,405 |
| Core capital (leverage) ratio | 13.1579% | 1,089 |
| Tier 1 risk-based capital ratio | 16.3417% | 2,319 |
| Total risk-based capital ratio | 17.5943% | 2,255 |
| Memoranda: | ||
| Average total assets | $217,036,200 | 2,755 |
| Average earning assets | $209,619,400 | 2,671 |
| Average equity | $29,211,200 | 2,410 |
| Average total loans | $168,930,600 | 2,430 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0031% | 3,346 |
| Cost of funding earning assets | 0.5687% | 1,749 |
| Net interest margin | 3.4344% | 3,723 |
| Noninterest income to average assets | 0.1305% | 5,356 |
| Noninterest expense to average assets | 1.7975% | 5,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6433% | 643 |
| Return on assets (ROA) | 1.6426% | 665 |
| Pretax return on assets | 1.6426% | 1,268 |
| Return on Equity (ROE) | 12.0229% | 1,333 |
| Retained earnings to average equity (ytd only) | 4.3458% | 3,323 |
| Net charge-offs to loans | -0.4799% | 5,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2410% | 5,078 |
| Assets per employee ($millions) | 7.0891% | 916 |
| Cash dividends to net income (ytd only)* | 63.8540% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8763% | 732 |
| Loan loss allowance to noncurrent loans | 5,234.9206% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 3,293 |
| Noncurrent loans to loans | 0.0358% | 4,956 |
| Net loans and leases to total assets | 78.4835% | 1,200 |
| Net loans and leases to deposits | 97.8621% | 932 |
| Net loans and leases to core deposits | 126.0115% | 411 |
| Total domestic deposits to total assets | 80.1981% | 4,276 |
| Equity capital to assets | 13.5119% | 1,155 |
| Core capital (leverage) ratio | 13.4189% | 1,054 |
| Tier 1 risk-based capital ratio | 16.5656% | 2,302 |
| Total risk-based capital ratio | 17.8226% | 2,253 |
| Memoranda: | ||
| Average total assets | $213,554,000 | 2,806 |
| Average earning assets | $205,835,250 | 2,731 |
| Average equity | $29,177,000 | 2,430 |
| Average total loans | $166,709,500 | 2,470 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 3,488 |
| Cost of funding earning assets | 0.5203% | 2,011 |
| Net interest margin | 3.3998% | 3,769 |
| Noninterest income to average assets | 0.1390% | 5,359 |
| Noninterest expense to average assets | 1.8120% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6086% | 690 |
| Return on assets (ROA) | 1.6077% | 714 |
| Pretax return on assets | 1.6077% | 1,321 |
| Return on Equity (ROE) | 11.7223% | 1,382 |
| Retained earnings to average equity (ytd only) | 4.2752% | 3,165 |
| Net charge-offs to loans | -0.7331% | 5,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9721% | 5,097 |
| Assets per employee ($millions) | 7.3992% | 779 |
| Cash dividends to net income (ytd only)* | 63.5294% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9031% | 717 |
| Loan loss allowance to noncurrent loans | 4,996.9697% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 3,385 |
| Noncurrent loans to loans | 0.0381% | 5,000 |
| Net loans and leases to total assets | 76.5861% | 1,449 |
| Net loans and leases to deposits | 97.2329% | 965 |
| Net loans and leases to core deposits | 126.8984% | 369 |
| Total domestic deposits to total assets | 78.7656% | 4,673 |
| Equity capital to assets | 13.2830% | 1,239 |
| Core capital (leverage) ratio | 13.6589% | 951 |
| Tier 1 risk-based capital ratio | 17.2155% | 2,092 |
| Total risk-based capital ratio | 18.4736% | 2,036 |
| Memoranda: | ||
| Average total assets | $211,484,670 | 2,844 |
| Average earning assets | $204,128,670 | 2,765 |
| Average equity | $29,004,670 | 2,435 |
| Average total loans | $163,687,670 | 2,510 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 3,452 |
| Cost of funding earning assets | 0.4789% | 2,256 |
| Net interest margin | 3.4045% | 3,642 |
| Noninterest income to average assets | 0.1493% | 5,370 |
| Noninterest expense to average assets | 1.8425% | 5,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5884% | 693 |
| Return on assets (ROA) | 1.5826% | 716 |
| Pretax return on assets | 1.5826% | 1,279 |
| Return on Equity (ROE) | 11.3473% | 1,448 |
| Retained earnings to average equity (ytd only) | 4.6724% | 3,074 |
| Net charge-offs to loans | -1.5106% | 5,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7027% | 5,158 |
| Assets per employee ($millions) | 7.2136% | 856 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0354% | 624 |
| Loan loss allowance to noncurrent loans | 4,850.0000% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 3,369 |
| Noncurrent loans to loans | 0.0420% | 5,027 |
| Net loans and leases to total assets | 75.8794% | 1,434 |
| Net loans and leases to deposits | 97.5738% | 803 |
| Net loans and leases to core deposits | 119.3989% | 475 |
| Total domestic deposits to total assets | 77.7662% | 4,999 |
| Equity capital to assets | 13.8483% | 954 |
| Core capital (leverage) ratio | 14.2365% | 777 |
| Tier 1 risk-based capital ratio | 18.0681% | 1,854 |
| Total risk-based capital ratio | 19.3279% | 1,811 |
| Memoranda: | ||
| Average total assets | $206,239,500 | 2,926 |
| Average earning assets | $198,798,000 | 2,838 |
| Average equity | $28,764,500 | 2,459 |
| Average total loans | $158,881,500 | 2,593 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 3,654 |
| Cost of funding earning assets | 0.4009% | 2,989 |
| Net interest margin | 3.4764% | 3,516 |
| Noninterest income to average assets | 0.1429% | 5,478 |
| Noninterest expense to average assets | 1.9570% | 5,274 |
| Loan and lease loss provision to assets | -0.1299% | 5,723 |
| Net operating income to assets | 1.6457% | 617 |
| Return on assets (ROA) | 1.6457% | 642 |
| Pretax return on assets | 1.6457% | 1,154 |
| Return on Equity (ROE) | 10.8882% | 1,622 |
| Retained earnings to average equity (ytd only) | 1.3993% | 4,711 |
| Net charge-offs to loans | -0.1066% | 5,613 |
| Credit loss provision to net charge-offs | 165.5629% | 1,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3519% | 5,034 |
| Assets per employee ($millions) | 7.0098% | 919 |
| Cash dividends to net income (ytd only)* | 87.1487% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7325% | 1,075 |
| Loan loss allowance to noncurrent loans | 3,747.2222% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 3,294 |
| Noncurrent loans to loans | 0.0462% | 5,061 |
| Net loans and leases to total assets | 75.2794% | 1,638 |
| Net loans and leases to deposits | 97.2515% | 888 |
| Net loans and leases to core deposits | 113.8683% | 702 |
| Total domestic deposits to total assets | 77.4070% | 5,062 |
| Equity capital to assets | 14.0488% | 873 |
| Core capital (leverage) ratio | 14.6892% | 655 |
| Tier 1 risk-based capital ratio | 18.5408% | 1,715 |
| Total risk-based capital ratio | 19.7964% | 1,681 |
| Memoranda: | ||
| Average total assets | $192,438,600 | 3,041 |
| Average earning assets | $184,328,200 | 2,964 |
| Average equity | $29,086,600 | 2,442 |
| Average total loans | $141,660,600 | 2,756 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 3,608 |
| Cost of funding earning assets | 0.3963% | 3,054 |
| Net interest margin | 3.4966% | 3,481 |
| Noninterest income to average assets | 0.2916% | 4,680 |
| Noninterest expense to average assets | 1.9354% | 5,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6985% | 593 |
| Return on assets (ROA) | 1.6985% | 629 |
| Pretax return on assets | 1.6985% | 1,119 |
| Return on Equity (ROE) | 11.0293% | 1,657 |
| Retained earnings to average equity (ytd only) | 3.9107% | 3,517 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2586% | 5,288 |
| Assets per employee ($millions) | 6.8796% | 936 |
| Cash dividends to net income (ytd only)* | 64.5428% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9619% | 770 |
| Loan loss allowance to noncurrent loans | 5,277.3585% | 141 |
| Noncurrent assets plus other real estate owned to assets | 1.0170% | 2,033 |
| Noncurrent loans to loans | 0.0372% | 5,219 |
| Net loans and leases to total assets | 72.5595% | 2,104 |
| Net loans and leases to deposits | 94.7535% | 1,171 |
| Net loans and leases to core deposits | 112.7541% | 775 |
| Total domestic deposits to total assets | 76.5771% | 5,154 |
| Equity capital to assets | 15.5528% | 624 |
| Core capital (leverage) ratio | 15.4832% | 558 |
| Tier 1 risk-based capital ratio | 20.3913% | 1,377 |
| Total risk-based capital ratio | 21.6499% | 1,342 |
| Memoranda: | ||
| Average total assets | $189,727,250 | 3,073 |
| Average earning assets | $181,353,750 | 3,015 |
| Average equity | $29,218,500 | 2,437 |
| Average total loans | $138,143,500 | 2,809 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8656% | 3,718 |
| Cost of funding earning assets | 0.3906% | 3,147 |
| Net interest margin | 3.4750% | 3,589 |
| Noninterest income to average assets | 0.1494% | 5,553 |
| Noninterest expense to average assets | 1.9284% | 5,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5395% | 830 |
| Return on assets (ROA) | 1.5395% | 874 |
| Pretax return on assets | 1.5395% | 1,558 |
| Return on Equity (ROE) | 10.0305% | 2,042 |
| Retained earnings to average equity (ytd only) | 2.9891% | 4,014 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6065% | 5,186 |
| Assets per employee ($millions) | 6.7961% | 956 |
| Cash dividends to net income (ytd only)* | 70.1996% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9992% | 736 |
| Loan loss allowance to noncurrent loans | 5,179.6296% | 150 |
| Noncurrent assets plus other real estate owned to assets | 1.3290% | 1,511 |
| Noncurrent loans to loans | 0.0386% | 5,309 |
| Net loans and leases to total assets | 72.0542% | 2,162 |
| Net loans and leases to deposits | 94.0908% | 1,284 |
| Net loans and leases to core deposits | 111.8277% | 821 |
| Total domestic deposits to total assets | 76.5794% | 5,209 |
| Equity capital to assets | 15.5053% | 623 |
| Core capital (leverage) ratio | 15.5434% | 522 |
| Tier 1 risk-based capital ratio | 20.1755% | 1,419 |
| Total risk-based capital ratio | 21.4343% | 1,384 |
| Memoranda: | ||
| Average total assets | $188,760,330 | 3,102 |
| Average earning assets | $180,257,670 | 3,040 |
| Average equity | $28,971,670 | 2,455 |
| Average total loans | $136,669,000 | 2,841 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8711% | 3,692 |
| Cost of funding earning assets | 0.3873% | 3,219 |
| Net interest margin | 3.4838% | 3,543 |
| Noninterest income to average assets | 0.1298% | 5,692 |
| Noninterest expense to average assets | 1.8894% | 5,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5703% | 750 |
| Return on assets (ROA) | 1.5703% | 782 |
| Pretax return on assets | 1.5703% | 1,374 |
| Return on Equity (ROE) | 10.2839% | 1,858 |
| Retained earnings to average equity (ytd only) | 3.5952% | 3,696 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6125% | 5,322 |
| Assets per employee ($millions) | 6.5310% | 1,090 |
| Cash dividends to net income (ytd only)* | 65.0407% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0796% | 715 |
| Loan loss allowance to noncurrent loans | 4,994.6429% | 152 |
| Noncurrent assets plus other real estate owned to assets | 1.3363% | 1,597 |
| Noncurrent loans to loans | 0.0416% | 5,327 |
| Net loans and leases to total assets | 69.5347% | 2,417 |
| Net loans and leases to deposits | 88.9899% | 1,703 |
| Net loans and leases to core deposits | 103.9841% | 1,194 |
| Total domestic deposits to total assets | 78.1377% | 5,119 |
| Equity capital to assets | 15.3285% | 629 |
| Core capital (leverage) ratio | 15.3770% | 547 |
| Tier 1 risk-based capital ratio | 20.7069% | 1,361 |
| Total risk-based capital ratio | 21.9662% | 1,335 |
| Memoranda: | ||
| Average total assets | $187,995,500 | 3,112 |
| Average earning assets | $179,688,500 | 3,051 |
| Average equity | $28,705,000 | 2,461 |
| Average total loans | $135,049,000 | 2,862 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 3,283 |
| Cost of funding earning assets | 0.3738% | 3,436 |
| Net interest margin | 3.6329% | 3,004 |
| Noninterest income to average assets | 0.2268% | 5,239 |
| Noninterest expense to average assets | 1.9841% | 5,487 |
| Loan and lease loss provision to assets | -0.8400% | 6,166 |
| Net operating income to assets | 2.5278% | 145 |
| Return on assets (ROA) | 2.5452% | 146 |
| Pretax return on assets | 2.5452% | 185 |
| Return on Equity (ROE) | 16.2017% | 536 |
| Retained earnings to average equity (ytd only) | 3.5826% | 3,507 |
| Net charge-offs to loans | 0.0312% | 3,598 |
| Credit loss provision to net charge-offs | -3,571.4286% | 5,700 |
| Earnings coverage of net charge-offs (x) | 71.7619% | 751 |
| Efficiency ratio | 54.0339% | 5,520 |
| Assets per employee ($millions) | 6.6640% | 1,020 |
| Cash dividends to net income (ytd only)* | 77.8878% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0626% | 718 |
| Loan loss allowance to noncurrent loans | 4,822.4138% | 182 |
| Noncurrent assets plus other real estate owned to assets | 1.3575% | 1,546 |
| Noncurrent loans to loans | 0.0428% | 5,342 |
| Net loans and leases to total assets | 71.1745% | 2,175 |
| Net loans and leases to deposits | 89.4401% | 1,691 |
| Net loans and leases to core deposits | 101.3848% | 1,411 |
| Total domestic deposits to total assets | 79.5779% | 4,847 |
| Equity capital to assets | 15.2086% | 640 |
| Core capital (leverage) ratio | 15.8244% | 486 |
| Tier 1 risk-based capital ratio | 20.4159% | 1,401 |
| Total risk-based capital ratio | 21.6753% | 1,381 |
| Memoranda: | ||
| Average total assets | $178,573,400 | 3,191 |
| Average earning assets | $169,339,600 | 3,135 |
| Average equity | $28,052,600 | 2,455 |
| Average total loans | $134,415,800 | 2,814 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 3,140 |
| Cost of funding earning assets | 0.3803% | 3,435 |
| Net interest margin | 3.6659% | 2,906 |
| Noninterest income to average assets | 0.1495% | 5,739 |
| Noninterest expense to average assets | 1.9157% | 5,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7058% | 615 |
| Return on assets (ROA) | 1.7292% | 613 |
| Pretax return on assets | 1.7292% | 1,034 |
| Return on Equity (ROE) | 10.9157% | 1,739 |
| Retained earnings to average equity (ytd only) | 3.4797% | 3,993 |
| Net charge-offs to loans | 0.0109% | 3,791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 205.3115% | 357 |
| Efficiency ratio | 52.8982% | 5,588 |
| Assets per employee ($millions) | 6.4247% | 1,100 |
| Cash dividends to net income (ytd only)* | 68.1223% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2883% | 182 |
| Loan loss allowance to noncurrent loans | 3,576.8595% | 215 |
| Noncurrent assets plus other real estate owned to assets | 2.0742% | 964 |
| Noncurrent loans to loans | 0.0919% | 5,261 |
| Net loans and leases to total assets | 73.3794% | 1,843 |
| Net loans and leases to deposits | 94.1974% | 1,183 |
| Net loans and leases to core deposits | 104.8699% | 1,176 |
| Total domestic deposits to total assets | 77.8995% | 5,201 |
| Equity capital to assets | 16.3685% | 517 |
| Core capital (leverage) ratio | 15.8971% | 501 |
| Tier 1 risk-based capital ratio | 21.6543% | 1,243 |
| Total risk-based capital ratio | 22.9296% | 1,212 |
| Memoranda: | ||
| Average total assets | $176,568,750 | 3,240 |
| Average earning assets | $167,229,750 | 3,187 |
| Average equity | $27,971,250 | 2,471 |
| Average total loans | $134,119,000 | 2,834 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0293% | 3,161 |
| Cost of funding earning assets | 0.3821% | 3,456 |
| Net interest margin | 3.6472% | 2,914 |
| Noninterest income to average assets | 0.1295% | 5,903 |
| Noninterest expense to average assets | 1.8885% | 5,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6914% | 636 |
| Return on assets (ROA) | 1.7263% | 624 |
| Pretax return on assets | 1.7263% | 1,033 |
| Return on Equity (ROE) | 11.0168% | 1,673 |
| Retained earnings to average equity (ytd only) | 3.6866% | 3,676 |
| Net charge-offs to loans | 0.0163% | 3,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 136.5455% | 464 |
| Efficiency ratio | 52.7524% | 5,667 |
| Assets per employee ($millions) | 6.8150% | 914 |
| Cash dividends to net income (ytd only)* | 66.5362% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2382% | 211 |
| Loan loss allowance to noncurrent loans | 1,226.0623% | 467 |
| Noncurrent assets plus other real estate owned to assets | 2.1615% | 982 |
| Noncurrent loans to loans | 0.2641% | 4,726 |
| Net loans and leases to total assets | 72.9862% | 1,825 |
| Net loans and leases to deposits | 94.4516% | 1,111 |
| Net loans and leases to core deposits | 107.2098% | 1,011 |
| Total domestic deposits to total assets | 77.2737% | 5,416 |
| Equity capital to assets | 15.7615% | 556 |
| Core capital (leverage) ratio | 15.8130% | 492 |
| Tier 1 risk-based capital ratio | 21.2336% | 1,318 |
| Total risk-based capital ratio | 22.5085% | 1,291 |
| Memoranda: | ||
| Average total assets | $177,602,670 | 3,248 |
| Average earning assets | $168,018,000 | 3,195 |
| Average equity | $27,830,330 | 2,495 |
| Average total loans | $134,953,000 | 2,828 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 3,137 |
| Cost of funding earning assets | 0.3830% | 3,495 |
| Net interest margin | 3.6418% | 2,848 |
| Noninterest income to average assets | 0.1327% | 5,937 |
| Noninterest expense to average assets | 1.9302% | 5,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6467% | 661 |
| Return on assets (ROA) | 1.6467% | 688 |
| Pretax return on assets | 1.6467% | 1,162 |
| Return on Equity (ROE) | 10.5394% | 1,784 |
| Retained earnings to average equity (ytd only) | 3.6283% | 3,830 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9623% | 5,683 |
| Assets per employee ($millions) | 6.5690% | 1,037 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2238% | 236 |
| Loan loss allowance to noncurrent loans | 1,185.5191% | 467 |
| Noncurrent assets plus other real estate owned to assets | 2.1667% | 1,063 |
| Noncurrent loans to loans | 0.2719% | 4,807 |
| Net loans and leases to total assets | 73.4388% | 1,577 |
| Net loans and leases to deposits | 93.3112% | 1,057 |
| Net loans and leases to core deposits | 107.9683% | 825 |
| Total domestic deposits to total assets | 78.7031% | 5,318 |
| Equity capital to assets | 15.8420% | 565 |
| Core capital (leverage) ratio | 15.7044% | 505 |
| Tier 1 risk-based capital ratio | 20.6064% | 1,504 |
| Total risk-based capital ratio | 21.8809% | 1,462 |
| Memoranda: | ||
| Average total assets | $177,808,500 | 3,267 |
| Average earning assets | $168,157,500 | 3,207 |
| Average equity | $27,781,500 | 2,517 |
| Average total loans | $135,603,000 | 2,815 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 2,305 |
| Cost of funding earning assets | 0.4421% | 3,252 |
| Net interest margin | 3.9316% | 2,117 |
| Noninterest income to average assets | 0.0234% | 6,352 |
| Noninterest expense to average assets | 1.9417% | 5,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7794% | 498 |
| Return on assets (ROA) | 1.7794% | 507 |
| Pretax return on assets | 1.7794% | 831 |
| Return on Equity (ROE) | 11.5691% | 1,535 |
| Retained earnings to average equity (ytd only) | 2.9034% | 4,177 |
| Net charge-offs to loans | -0.0088% | 5,537 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1812% | 5,967 |
| Assets per employee ($millions) | 6.6020% | 1,000 |
| Cash dividends to net income (ytd only)* | 74.9040% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1761% | 247 |
| Loan loss allowance to noncurrent loans | 1,215.4062% | 512 |
| Noncurrent assets plus other real estate owned to assets | 2.1481% | 1,140 |
| Noncurrent loans to loans | 0.2613% | 4,905 |
| Net loans and leases to total assets | 74.2058% | 1,552 |
| Net loans and leases to deposits | 92.1532% | 1,273 |
| Net loans and leases to core deposits | 108.4400% | 864 |
| Total domestic deposits to total assets | 80.5243% | 4,875 |
| Equity capital to assets | 15.4079% | 628 |
| Core capital (leverage) ratio | 15.1442% | 583 |
| Tier 1 risk-based capital ratio | 20.2784% | 1,535 |
| Total risk-based capital ratio | 21.5529% | 1,502 |
| Memoranda: | ||
| Average total assets | $175,568,000 | 3,266 |
| Average earning assets | $165,123,400 | 3,215 |
| Average equity | $27,003,000 | 2,491 |
| Average total loans | $135,732,000 | 2,768 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 2,236 |
| Cost of funding earning assets | 0.4523% | 3,220 |
| Net interest margin | 3.9443% | 2,056 |
| Noninterest income to average assets | 0.1494% | 6,020 |
| Noninterest expense to average assets | 1.9668% | 5,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8853% | 433 |
| Return on assets (ROA) | 1.8853% | 446 |
| Pretax return on assets | 1.8853% | 742 |
| Return on Equity (ROE) | 12.2631% | 1,417 |
| Retained earnings to average equity (ytd only) | 4.5274% | 3,428 |
| Net charge-offs to loans | -0.0108% | 5,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0588% | 6,046 |
| Assets per employee ($millions) | 6.6354% | 952 |
| Cash dividends to net income (ytd only)* | 63.0814% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1922% | 295 |
| Loan loss allowance to noncurrent loans | 1,470.5085% | 402 |
| Noncurrent assets plus other real estate owned to assets | 2.4035% | 1,120 |
| Noncurrent loans to loans | 0.2171% | 5,249 |
| Net loans and leases to total assets | 73.4303% | 1,608 |
| Net loans and leases to deposits | 91.3893% | 1,291 |
| Net loans and leases to core deposits | 109.5818% | 762 |
| Total domestic deposits to total assets | 80.3489% | 4,997 |
| Equity capital to assets | 15.3247% | 670 |
| Core capital (leverage) ratio | 15.7536% | 512 |
| Tier 1 risk-based capital ratio | 20.3777% | 1,576 |
| Total risk-based capital ratio | 21.6523% | 1,540 |
| Memoranda: | ||
| Average total assets | $174,896,750 | 3,296 |
| Average earning assets | $164,181,000 | 3,259 |
| Average equity | $26,887,500 | 2,502 |
| Average total loans | $135,511,750 | 2,785 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 2,086 |
| Cost of funding earning assets | 0.4650% | 3,161 |
| Net interest margin | 3.9602% | 1,932 |
| Noninterest income to average assets | 0.1487% | 6,069 |
| Noninterest expense to average assets | 2.0210% | 5,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8389% | 453 |
| Return on assets (ROA) | 1.8389% | 466 |
| Pretax return on assets | 1.8389% | 780 |
| Return on Equity (ROE) | 11.9483% | 1,439 |
| Retained earnings to average equity (ytd only) | 4.3074% | 3,429 |
| Net charge-offs to loans | 0.0148% | 3,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 159.5000% | 391 |
| Efficiency ratio | 52.3596% | 6,040 |
| Assets per employee ($millions) | 6.3974% | 1,065 |
| Cash dividends to net income (ytd only)* | 63.9498% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2454% | 291 |
| Loan loss allowance to noncurrent loans | 4,450.5155% | 147 |
| Noncurrent assets plus other real estate owned to assets | 2.3783% | 1,225 |
| Noncurrent loans to loans | 0.0729% | 5,806 |
| Net loans and leases to total assets | 74.5098% | 1,378 |
| Net loans and leases to deposits | 89.8831% | 1,381 |
| Net loans and leases to core deposits | 108.9044% | 733 |
| Total domestic deposits to total assets | 82.8963% | 4,347 |
| Equity capital to assets | 15.7327% | 592 |
| Core capital (leverage) ratio | 15.6936% | 520 |
| Tier 1 risk-based capital ratio | 20.7513% | 1,498 |
| Total risk-based capital ratio | 22.0264% | 1,473 |
| Memoranda: | ||
| Average total assets | $173,477,330 | 3,333 |
| Average earning assets | $162,568,330 | 3,288 |
| Average equity | $26,698,330 | 2,503 |
| Average total loans | $135,385,000 | 2,790 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3525% | 2,316 |
| Cost of funding earning assets | 0.4754% | 3,175 |
| Net interest margin | 3.8770% | 2,168 |
| Noninterest income to average assets | 0.1265% | 6,213 |
| Noninterest expense to average assets | 2.0017% | 5,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7647% | 509 |
| Return on assets (ROA) | 1.7647% | 526 |
| Pretax return on assets | 1.7647% | 850 |
| Return on Equity (ROE) | 11.5949% | 1,521 |
| Retained earnings to average equity (ytd only) | 4.3386% | 3,526 |
| Net charge-offs to loans | -0.0234% | 5,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1460% | 6,077 |
| Assets per employee ($millions) | 6.1179% | 1,228 |
| Cash dividends to net income (ytd only)* | 62.5815% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1972% | 359 |
| Loan loss allowance to noncurrent loans | 2,814.9351% | 203 |
| Noncurrent assets plus other real estate owned to assets | 3.0321% | 938 |
| Noncurrent loans to loans | 0.1136% | 5,786 |
| Net loans and leases to total assets | 76.6202% | 932 |
| Net loans and leases to deposits | 92.1713% | 938 |
| Net loans and leases to core deposits | 111.7866% | 521 |
| Total domestic deposits to total assets | 83.1280% | 4,562 |
| Equity capital to assets | 15.5713% | 592 |
| Core capital (leverage) ratio | 15.4847% | 540 |
| Tier 1 risk-based capital ratio | 20.1488% | 1,683 |
| Total risk-based capital ratio | 21.4237% | 1,647 |
| Memoranda: | ||
| Average total assets | $173,851,500 | 3,349 |
| Average earning assets | $163,217,500 | 3,304 |
| Average equity | $26,460,000 | 2,513 |
| Average total loans | $136,569,000 | 2,785 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 2,453 |
| Cost of funding earning assets | 0.6120% | 2,554 |
| Net interest margin | 3.8224% | 2,563 |
| Noninterest income to average assets | 0.2000% | 5,888 |
| Noninterest expense to average assets | 2.0245% | 5,982 |
| Loan and lease loss provision to assets | 0.1486% | 2,420 |
| Net operating income to assets | 1.6824% | 597 |
| Return on assets (ROA) | 1.6824% | 612 |
| Pretax return on assets | 1.6824% | 985 |
| Return on Equity (ROE) | 11.8062% | 1,484 |
| Retained earnings to average equity (ytd only) | 3.1592% | 3,990 |
| Net charge-offs to loans | 0.6852% | 951 |
| Credit loss provision to net charge-offs | 26.6990% | 4,321 |
| Earnings coverage of net charge-offs (x) | 3.2893% | 3,909 |
| Efficiency ratio | 52.5091% | 6,252 |
| Assets per employee ($millions) | 6.5334% | 973 |
| Cash dividends to net income (ytd only)* | 73.2412% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1457% | 397 |
| Loan loss allowance to noncurrent loans | 4,006.4815% | 167 |
| Noncurrent assets plus other real estate owned to assets | 2.9184% | 1,093 |
| Noncurrent loans to loans | 0.0785% | 5,981 |
| Net loans and leases to total assets | 75.5234% | 1,143 |
| Net loans and leases to deposits | 90.1149% | 1,232 |
| Net loans and leases to core deposits | 109.5484% | 626 |
| Total domestic deposits to total assets | 83.8079% | 4,241 |
| Equity capital to assets | 14.8786% | 693 |
| Core capital (leverage) ratio | 14.7750% | 636 |
| Tier 1 risk-based capital ratio | 19.6129% | 1,751 |
| Total risk-based capital ratio | 20.8874% | 1,713 |
| Memoranda: | ||
| Average total assets | $185,035,000 | 3,220 |
| Average earning assets | $176,956,200 | 3,115 |
| Average equity | $26,367,400 | 2,514 |
| Average total loans | $150,330,800 | 2,552 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 2,371 |
| Cost of funding earning assets | 0.6334% | 2,516 |
| Net interest margin | 3.8307% | 2,538 |
| Noninterest income to average assets | 0.2279% | 5,802 |
| Noninterest expense to average assets | 1.8455% | 6,269 |
| Loan and lease loss provision to assets | 0.1959% | 1,861 |
| Net operating income to assets | 1.8654% | 463 |
| Return on assets (ROA) | 1.8654% | 475 |
| Pretax return on assets | 1.8654% | 765 |
| Return on Equity (ROE) | 13.2281% | 1,188 |
| Retained earnings to average equity (ytd only) | 5.3488% | 2,829 |
| Net charge-offs to loans | 0.5280% | 1,218 |
| Credit loss provision to net charge-offs | 45.2303% | 3,612 |
| Earnings coverage of net charge-offs (x) | 4.7598% | 3,359 |
| Efficiency ratio | 47.2379% | 6,538 |
| Assets per employee ($millions) | 6.6288% | 880 |
| Cash dividends to net income (ytd only)* | 59.5648% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3038% | 411 |
| Loan loss allowance to noncurrent loans | 105.7448% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 3.0121% | 1,230 |
| Noncurrent loans to loans | 3.1243% | 1,266 |
| Net loans and leases to total assets | 77.6614% | 789 |
| Net loans and leases to deposits | 92.6004% | 935 |
| Net loans and leases to core deposits | 117.7902% | 359 |
| Total domestic deposits to total assets | 83.8672% | 4,250 |
| Equity capital to assets | 14.8153% | 746 |
| Core capital (leverage) ratio | 14.5570% | 722 |
| Tier 1 risk-based capital ratio | 19.4627% | 1,871 |
| Total risk-based capital ratio | 20.7402% | 1,830 |
| Memoranda: | ||
| Average total assets | $187,193,500 | 3,225 |
| Average earning assets | $179,769,500 | 3,103 |
| Average equity | $26,397,750 | 2,542 |
| Average total loans | $153,525,750 | 2,520 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3599% | 2,719 |
| Cost of funding earning assets | 0.6432% | 2,560 |
| Net interest margin | 3.7167% | 2,891 |
| Noninterest income to average assets | 0.2622% | 5,584 |
| Noninterest expense to average assets | 1.8417% | 6,306 |
| Loan and lease loss provision to assets | 0.2896% | 1,256 |
| Net operating income to assets | 1.6964% | 625 |
| Return on assets (ROA) | 1.6964% | 681 |
| Pretax return on assets | 1.6964% | 1,122 |
| Return on Equity (ROE) | 12.2238% | 1,422 |
| Retained earnings to average equity (ytd only) | 4.4844% | 3,411 |
| Net charge-offs to loans | 0.0115% | 4,646 |
| Credit loss provision to net charge-offs | 3,055.5556% | 100 |
| Earnings coverage of net charge-offs (x) | 209.5556% | 249 |
| Efficiency ratio | 48.1155% | 6,528 |
| Assets per employee ($millions) | 7.0991% | 694 |
| Cash dividends to net income (ytd only)* | 63.3147% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5110% | 367 |
| Loan loss allowance to noncurrent loans | 91.6852% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 3.8976% | 911 |
| Noncurrent loans to loans | 3.8294% | 1,055 |
| Net loans and leases to total assets | 79.6279% | 571 |
| Net loans and leases to deposits | 94.2763% | 790 |
| Net loans and leases to core deposits | 125.3948% | 232 |
| Total domestic deposits to total assets | 84.4622% | 4,139 |
| Equity capital to assets | 14.3166% | 870 |
| Core capital (leverage) ratio | 13.9429% | 836 |
| Tier 1 risk-based capital ratio | 18.1987% | 2,246 |
| Total risk-based capital ratio | 19.4786% | 2,196 |
| Memoranda: | ||
| Average total assets | $189,932,330 | 3,194 |
| Average earning assets | $182,206,000 | 3,088 |
| Average equity | $26,358,330 | 2,552 |
| Average total loans | $156,786,000 | 2,479 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 2,618 |
| Cost of funding earning assets | 0.6548% | 2,613 |
| Net interest margin | 3.7166% | 2,789 |
| Noninterest income to average assets | 0.2721% | 5,505 |
| Noninterest expense to average assets | 1.7881% | 6,453 |
| Loan and lease loss provision to assets | 0.4673% | 590 |
| Net operating income to assets | 1.5762% | 739 |
| Return on assets (ROA) | 1.5762% | 799 |
| Pretax return on assets | 1.5762% | 1,361 |
| Return on Equity (ROE) | 11.5328% | 1,546 |
| Retained earnings to average equity (ytd only) | 4.2393% | 3,685 |
| Net charge-offs to loans | -0.0025% | 5,175 |
| Credit loss provision to net charge-offs | -22,500.0000% | 5,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6667% | 6,665 |
| Assets per employee ($millions) | 7.0179% | 765 |
| Cash dividends to net income (ytd only)* | 63.2411% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4074% | 459 |
| Loan loss allowance to noncurrent loans | 91.2655% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 3.8156% | 1,081 |
| Noncurrent loans to loans | 3.7335% | 1,252 |
| Net loans and leases to total assets | 79.4109% | 479 |
| Net loans and leases to deposits | 93.5201% | 698 |
| Net loans and leases to core deposits | 124.4796% | 222 |
| Total domestic deposits to total assets | 84.9132% | 4,084 |
| Equity capital to assets | 13.9600% | 1,041 |
| Core capital (leverage) ratio | 13.5502% | 926 |
| Tier 1 risk-based capital ratio | 17.2810% | 2,651 |
| Total risk-based capital ratio | 18.5590% | 2,604 |
| Memoranda: | ||
| Average total assets | $192,610,500 | 3,189 |
| Average earning assets | $184,472,000 | 3,090 |
| Average equity | $26,325,000 | 2,579 |
| Average total loans | $159,018,000 | 2,460 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 2,066 |
| Cost of funding earning assets | 0.8213% | 2,498 |
| Net interest margin | 4.0175% | 2,324 |
| Noninterest income to average assets | 0.3559% | 4,925 |
| Noninterest expense to average assets | 1.6759% | 6,744 |
| Loan and lease loss provision to assets | 0.9717% | 441 |
| Net operating income to assets | 1.5583% | 815 |
| Return on assets (ROA) | 1.5583% | 897 |
| Pretax return on assets | 1.5583% | 1,493 |
| Return on Equity (ROE) | 11.7275% | 1,585 |
| Retained earnings to average equity (ytd only) | 2.2593% | 4,649 |
| Net charge-offs to loans | 1.0896% | 972 |
| Credit loss provision to net charge-offs | 104.1096% | 2,873 |
| Earnings coverage of net charge-offs (x) | 2.7107% | 4,074 |
| Efficiency ratio | 39.8468% | 6,930 |
| Assets per employee ($millions) | 7.5283% | 619 |
| Cash dividends to net income (ytd only)* | 80.7351% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1321% | 586 |
| Loan loss allowance to noncurrent loans | 216.1633% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 1.9148% | 2,552 |
| Noncurrent loans to loans | 1.4489% | 3,428 |
| Net loans and leases to total assets | 80.2991% | 443 |
| Net loans and leases to deposits | 93.9087% | 754 |
| Net loans and leases to core deposits | 122.7527% | 254 |
| Total domestic deposits to total assets | 85.5076% | 3,604 |
| Equity capital to assets | 13.3843% | 1,275 |
| Core capital (leverage) ratio | 13.0735% | 1,092 |
| Tier 1 risk-based capital ratio | 16.2675% | 3,016 |
| Total risk-based capital ratio | 17.5390% | 2,962 |
| Memoranda: | ||
| Average total assets | $195,534,400 | 3,100 |
| Average earning assets | $187,380,000 | 2,997 |
| Average equity | $25,981,600 | 2,569 |
| Average total loans | $167,490,000 | 2,333 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8887% | 2,051 |
| Cost of funding earning assets | 0.8544% | 2,507 |
| Net interest margin | 4.0343% | 2,363 |
| Noninterest income to average assets | 0.3124% | 5,286 |
| Noninterest expense to average assets | 1.6519% | 6,825 |
| Loan and lease loss provision to assets | 1.1254% | 337 |
| Net operating income to assets | 1.4030% | 1,213 |
| Return on assets (ROA) | 1.4030% | 1,339 |
| Pretax return on assets | 1.4030% | 2,225 |
| Return on Equity (ROE) | 10.5780% | 2,107 |
| Retained earnings to average equity (ytd only) | 1.3216% | 5,645 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5171% | 7,023 |
| Assets per employee ($millions) | 7.6327% | 555 |
| Cash dividends to net income (ytd only)* | 87.5060% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9088% | 333 |
| Loan loss allowance to noncurrent loans | 236.1476% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 2.2202% | 2,411 |
| Noncurrent loans to loans | 1.6552% | 3,309 |
| Net loans and leases to total assets | 82.4647% | 308 |
| Net loans and leases to deposits | 99.6262% | 459 |
| Net loans and leases to core deposits | 134.5479% | 162 |
| Total domestic deposits to total assets | 82.7741% | 4,733 |
| Equity capital to assets | 13.0914% | 1,551 |
| Core capital (leverage) ratio | 12.8604% | 1,246 |
| Tier 1 risk-based capital ratio | 15.3438% | 3,623 |
| Total risk-based capital ratio | 16.6284% | 3,564 |
| Memoranda: | ||
| Average total assets | $195,483,750 | 3,135 |
| Average earning assets | $187,422,250 | 3,022 |
| Average equity | $25,927,500 | 2,596 |
| Average total loans | $168,798,250 | 2,356 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9673% | 1,881 |
| Cost of funding earning assets | 0.8916% | 2,467 |
| Net interest margin | 4.0757% | 2,186 |
| Noninterest income to average assets | 0.3435% | 5,092 |
| Noninterest expense to average assets | 1.6700% | 6,864 |
| Loan and lease loss provision to assets | 0.6170% | 946 |
| Net operating income to assets | 1.9579% | 421 |
| Return on assets (ROA) | 1.9579% | 484 |
| Pretax return on assets | 1.9579% | 745 |
| Return on Equity (ROE) | 14.6970% | 986 |
| Retained earnings to average equity (ytd only) | 4.9711% | 3,294 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3411% | 7,074 |
| Assets per employee ($millions) | 7.4846% | 589 |
| Cash dividends to net income (ytd only)* | 66.1765% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3168% | 582 |
| Loan loss allowance to noncurrent loans | 199.3246% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 2.1634% | 2,592 |
| Noncurrent loans to loans | 1.6640% | 3,401 |
| Net loans and leases to total assets | 83.9882% | 215 |
| Net loans and leases to deposits | 101.3694% | 367 |
| Net loans and leases to core deposits | 138.4295% | 157 |
| Total domestic deposits to total assets | 82.8535% | 4,805 |
| Equity capital to assets | 13.5190% | 1,298 |
| Core capital (leverage) ratio | 13.3858% | 1,021 |
| Tier 1 risk-based capital ratio | 15.6100% | 3,382 |
| Total risk-based capital ratio | 16.8868% | 3,330 |
| Memoranda: | ||
| Average total assets | $194,494,670 | 3,161 |
| Average earning assets | $186,178,670 | 3,038 |
| Average equity | $25,910,000 | 2,583 |
| Average total loans | $168,294,670 | 2,369 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8299% | 2,522 |
| Cost of funding earning assets | 0.9441% | 2,347 |
| Net interest margin | 3.8858% | 2,984 |
| Noninterest income to average assets | 0.3765% | 4,845 |
| Noninterest expense to average assets | 1.6642% | 6,926 |
| Loan and lease loss provision to assets | 0.6172% | 913 |
| Net operating income to assets | 1.8206% | 578 |
| Return on assets (ROA) | 1.8206% | 651 |
| Pretax return on assets | 1.8206% | 1,035 |
| Return on Equity (ROE) | 13.7684% | 1,235 |
| Retained earnings to average equity (ytd only) | 2.5670% | 4,974 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5717% | 7,091 |
| Assets per employee ($millions) | 7.2817% | 655 |
| Cash dividends to net income (ytd only)* | 81.3559% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1653% | 707 |
| Loan loss allowance to noncurrent loans | 164.2017% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 2.4450% | 2,415 |
| Noncurrent loans to loans | 1.9277% | 3,251 |
| Net loans and leases to total assets | 85.7556% | 126 |
| Net loans and leases to deposits | 102.7206% | 288 |
| Net loans and leases to core deposits | 137.3291% | 159 |
| Total domestic deposits to total assets | 83.4844% | 4,719 |
| Equity capital to assets | 13.6227% | 1,189 |
| Core capital (leverage) ratio | 12.8631% | 1,183 |
| Tier 1 risk-based capital ratio | 15.5194% | 3,437 |
| Total risk-based capital ratio | 16.7937% | 3,399 |
| Memoranda: | ||
| Average total assets | $194,442,000 | 3,175 |
| Average earning assets | $186,420,500 | 3,062 |
| Average equity | $25,711,000 | 2,603 |
| Average total loans | $167,918,000 | 2,386 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1100% | 2,414 |
| Cost of funding earning assets | 1.1620% | 2,271 |
| Net interest margin | 3.9480% | 3,119 |
| Noninterest income to average assets | 0.1865% | 6,163 |
| Noninterest expense to average assets | 1.6751% | 7,068 |
| Loan and lease loss provision to assets | 0.6241% | 1,641 |
| Net operating income to assets | 1.6760% | 577 |
| Return on assets (ROA) | 1.6867% | 600 |
| Pretax return on assets | 1.6867% | 1,013 |
| Return on Equity (ROE) | 13.7608% | 991 |
| Retained earnings to average equity (ytd only) | 4.4892% | 2,978 |
| Net charge-offs to loans | 0.6811% | 2,454 |
| Credit loss provision to net charge-offs | 105.5008% | 3,242 |
| Earnings coverage of net charge-offs (x) | 3.8883% | 3,345 |
| Efficiency ratio | 42.1381% | 7,167 |
| Assets per employee ($millions) | 7.6754% | 533 |
| Cash dividends to net income (ytd only)* | 67.3769% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9773% | 830 |
| Loan loss allowance to noncurrent loans | 229.3633% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 1.7939% | 3,259 |
| Noncurrent loans to loans | 1.2981% | 4,206 |
| Net loans and leases to total assets | 81.7629% | 355 |
| Net loans and leases to deposits | 95.3351% | 724 |
| Net loans and leases to core deposits | 127.4396% | 266 |
| Total domestic deposits to total assets | 85.7637% | 3,451 |
| Equity capital to assets | 12.8438% | 1,577 |
| Core capital (leverage) ratio | 12.5376% | 1,335 |
| Tier 1 risk-based capital ratio | 15.1518% | 3,546 |
| Total risk-based capital ratio | 16.4241% | 3,495 |
| Memoranda: | ||
| Average total assets | $205,902,400 | 2,989 |
| Average earning assets | $197,594,600 | 2,884 |
| Average equity | $25,238,400 | 2,551 |
| Average total loans | $178,828,000 | 2,263 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1002% | 2,608 |
| Cost of funding earning assets | 1.2103% | 2,254 |
| Net interest margin | 3.8899% | 3,430 |
| Noninterest income to average assets | 0.1504% | 6,509 |
| Noninterest expense to average assets | 1.5833% | 7,179 |
| Loan and lease loss provision to assets | 0.3534% | 2,750 |
| Net operating income to assets | 1.9496% | 381 |
| Return on assets (ROA) | 1.9644% | 402 |
| Pretax return on assets | 1.9644% | 671 |
| Return on Equity (ROE) | 16.2126% | 652 |
| Retained earnings to average equity (ytd only) | 7.6210% | 1,655 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7407% | 7,241 |
| Assets per employee ($millions) | 7.8018% | 509 |
| Cash dividends to net income (ytd only)* | 52.9932% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1262% | 777 |
| Loan loss allowance to noncurrent loans | 132.8654% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 2.3619% | 2,718 |
| Noncurrent loans to loans | 2.3529% | 2,950 |
| Net loans and leases to total assets | 83.8681% | 231 |
| Net loans and leases to deposits | 102.2779% | 377 |
| Net loans and leases to core deposits | 147.6502% | 140 |
| Total domestic deposits to total assets | 82.0002% | 5,088 |
| Equity capital to assets | 12.8279% | 1,702 |
| Core capital (leverage) ratio | 12.5012% | 1,434 |
| Tier 1 risk-based capital ratio | 14.8788% | 3,736 |
| Total risk-based capital ratio | 16.1530% | 3,692 |
| Memoranda: | ||
| Average total assets | $207,488,000 | 2,990 |
| Average earning assets | $199,282,250 | 2,871 |
| Average equity | $25,140,250 | 2,563 |
| Average total loans | $181,491,750 | 2,250 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1201% | 2,589 |
| Cost of funding earning assets | 1.2471% | 2,268 |
| Net interest margin | 3.8730% | 3,424 |
| Noninterest income to average assets | 0.1330% | 6,655 |
| Noninterest expense to average assets | 1.5653% | 7,269 |
| Loan and lease loss provision to assets | 0.3827% | 2,505 |
| Net operating income to assets | 1.8992% | 414 |
| Return on assets (ROA) | 1.8992% | 444 |
| Pretax return on assets | 1.8992% | 712 |
| Return on Equity (ROE) | 15.9780% | 676 |
| Retained earnings to average equity (ytd only) | 7.2847% | 1,745 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6864% | 7,326 |
| Assets per employee ($millions) | 7.4754% | 582 |
| Cash dividends to net income (ytd only)* | 54.4081% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9806% | 915 |
| Loan loss allowance to noncurrent loans | 114.8634% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 2.5511% | 2,622 |
| Noncurrent loans to loans | 2.5949% | 2,782 |
| Net loans and leases to total assets | 86.1199% | 132 |
| Net loans and leases to deposits | 100.2058% | 485 |
| Net loans and leases to core deposits | 151.6498% | 138 |
| Total domestic deposits to total assets | 85.9430% | 3,358 |
| Equity capital to assets | 12.5761% | 1,739 |
| Core capital (leverage) ratio | 11.9832% | 1,607 |
| Tier 1 risk-based capital ratio | 14.3215% | 3,921 |
| Total risk-based capital ratio | 15.5940% | 3,881 |
| Memoranda: | ||
| Average total assets | $209,035,000 | 2,989 |
| Average earning assets | $200,463,670 | 2,868 |
| Average equity | $24,846,670 | 2,577 |
| Average total loans | $183,451,000 | 2,240 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1234% | 2,542 |
| Cost of funding earning assets | 1.2498% | 2,505 |
| Net interest margin | 3.8736% | 3,279 |
| Noninterest income to average assets | 0.1543% | 6,614 |
| Noninterest expense to average assets | 1.5708% | 7,322 |
| Loan and lease loss provision to assets | 0.5643% | 1,529 |
| Net operating income to assets | 1.7156% | 567 |
| Return on assets (ROA) | 1.7156% | 598 |
| Pretax return on assets | 1.7156% | 960 |
| Return on Equity (ROE) | 14.8422% | 844 |
| Retained earnings to average equity (ytd only) | 6.0541% | 2,608 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7914% | 7,377 |
| Assets per employee ($millions) | 8.2603% | 432 |
| Cash dividends to net income (ytd only)* | 59.2105% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8719% | 1,037 |
| Loan loss allowance to noncurrent loans | 88.2155% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 2.9986% | 2,301 |
| Noncurrent loans to loans | 3.2555% | 2,311 |
| Net loans and leases to total assets | 82.5169% | 306 |
| Net loans and leases to deposits | 97.3207% | 607 |
| Net loans and leases to core deposits | 145.2151% | 171 |
| Total domestic deposits to total assets | 84.7886% | 4,130 |
| Equity capital to assets | 11.5302% | 2,239 |
| Core capital (leverage) ratio | 11.5817% | 1,801 |
| Tier 1 risk-based capital ratio | 13.5708% | 4,378 |
| Total risk-based capital ratio | 14.8417% | 4,334 |
| Memoranda: | ||
| Average total assets | $212,634,500 | 2,959 |
| Average earning assets | $202,912,000 | 2,859 |
| Average equity | $24,578,500 | 2,589 |
| Average total loans | $185,596,000 | 2,243 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 2,962 |
| Cost of funding earning assets | 1.4959% | 2,665 |
| Net interest margin | 3.8381% | 3,784 |
| Noninterest income to average assets | 0.3251% | 5,462 |
| Noninterest expense to average assets | 1.5940% | 7,409 |
| Loan and lease loss provision to assets | 0.8972% | 1,821 |
| Net operating income to assets | 1.5301% | 714 |
| Return on assets (ROA) | 1.5301% | 778 |
| Pretax return on assets | 1.5301% | 1,298 |
| Return on Equity (ROE) | 13.7841% | 931 |
| Retained earnings to average equity (ytd only) | 3.4183% | 3,475 |
| Net charge-offs to loans | 0.1794% | 5,246 |
| Credit loss provision to net charge-offs | 567.9191% | 393 |
| Earnings coverage of net charge-offs (x) | 15.3642% | 1,285 |
| Efficiency ratio | 39.6389% | 7,510 |
| Assets per employee ($millions) | 8.0962% | 466 |
| Cash dividends to net income (ytd only)* | 75.2014% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6175% | 1,273 |
| Loan loss allowance to noncurrent loans | 119.9320% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 1.9568% | 3,399 |
| Noncurrent loans to loans | 2.1824% | 3,332 |
| Net loans and leases to total assets | 87.3118% | 123 |
| Net loans and leases to deposits | 100.3215% | 557 |
| Net loans and leases to core deposits | 155.9021% | 159 |
| Total domestic deposits to total assets | 87.0320% | 2,800 |
| Equity capital to assets | 11.5885% | 2,191 |
| Core capital (leverage) ratio | 11.0049% | 2,161 |
| Tier 1 risk-based capital ratio | 13.0717% | 4,546 |
| Total risk-based capital ratio | 14.3396% | 4,493 |
| Memoranda: | ||
| Average total assets | $219,002,800 | 2,882 |
| Average earning assets | $210,910,200 | 2,746 |
| Average equity | $24,310,600 | 2,626 |
| Average total loans | $192,863,600 | 2,220 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 3,270 |
| Cost of funding earning assets | 1.5144% | 2,885 |
| Net interest margin | 3.8017% | 3,966 |
| Noninterest income to average assets | 0.3123% | 5,654 |
| Noninterest expense to average assets | 1.5116% | 7,544 |
| Loan and lease loss provision to assets | 0.8230% | 1,840 |
| Net operating income to assets | 1.6406% | 686 |
| Return on assets (ROA) | 1.6406% | 753 |
| Pretax return on assets | 1.6406% | 1,244 |
| Return on Equity (ROE) | 14.9360% | 869 |
| Retained earnings to average equity (ytd only) | 5.3849% | 2,714 |
| Net charge-offs to loans | 0.0371% | 6,192 |
| Credit loss provision to net charge-offs | 2,527.7778% | 122 |
| Earnings coverage of net charge-offs (x) | 75.6647% | 401 |
| Efficiency ratio | 38.0252% | 7,609 |
| Assets per employee ($millions) | 8.0683% | 498 |
| Cash dividends to net income (ytd only)* | 63.9470% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4432% | 1,408 |
| Loan loss allowance to noncurrent loans | 80.0276% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 2.7836% | 2,602 |
| Noncurrent loans to loans | 3.0529% | 2,618 |
| Net loans and leases to total assets | 84.9035% | 271 |
| Net loans and leases to deposits | 99.7046% | 679 |
| Net loans and leases to core deposits | 153.2276% | 175 |
| Total domestic deposits to total assets | 85.1550% | 3,543 |
| Equity capital to assets | 11.3562% | 2,655 |
| Core capital (leverage) ratio | 10.9792% | 2,276 |
| Tier 1 risk-based capital ratio | 12.9457% | 4,616 |
| Total risk-based capital ratio | 14.2111% | 4,590 |
| Memoranda: | ||
| Average total assets | $221,128,000 | 2,898 |
| Average earning assets | $213,058,500 | 2,752 |
| Average equity | $24,289,750 | 2,676 |
| Average total loans | $193,896,250 | 2,251 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3303% | 3,317 |
| Cost of funding earning assets | 1.5347% | 3,038 |
| Net interest margin | 3.7956% | 3,913 |
| Noninterest income to average assets | 0.2889% | 5,834 |
| Noninterest expense to average assets | 1.5147% | 7,610 |
| Loan and lease loss provision to assets | 0.6885% | 2,103 |
| Net operating income to assets | 1.7496% | 525 |
| Return on assets (ROA) | 1.7496% | 577 |
| Pretax return on assets | 1.7496% | 962 |
| Return on Equity (ROE) | 16.1060% | 681 |
| Retained earnings to average equity (ytd only) | 5.6669% | 2,514 |
| Net charge-offs to loans | -0.0051% | 7,115 |
| Credit loss provision to net charge-offs | -15,300.0000% | 7,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3197% | 7,674 |
| Assets per employee ($millions) | 8.1054% | 482 |
| Cash dividends to net income (ytd only)* | 64.8148% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1294% | 1,908 |
| Loan loss allowance to noncurrent loans | 75.3130% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 2.6247% | 2,753 |
| Noncurrent loans to loans | 2.8274% | 2,832 |
| Net loans and leases to total assets | 85.9183% | 230 |
| Net loans and leases to deposits | 100.5417% | 676 |
| Net loans and leases to core deposits | 158.3914% | 174 |
| Total domestic deposits to total assets | 85.4555% | 3,390 |
| Equity capital to assets | 11.1444% | 2,733 |
| Core capital (leverage) ratio | 10.8344% | 2,374 |
| Tier 1 risk-based capital ratio | 12.5215% | 4,840 |
| Total risk-based capital ratio | 13.7822% | 4,803 |
| Memoranda: | ||
| Average total assets | $222,222,330 | 2,907 |
| Average earning assets | $214,510,330 | 2,757 |
| Average equity | $24,140,000 | 2,680 |
| Average total loans | $195,331,670 | 2,264 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2797% | 3,649 |
| Cost of funding earning assets | 1.5521% | 3,255 |
| Net interest margin | 3.7276% | 4,113 |
| Noninterest income to average assets | 0.1411% | 6,966 |
| Noninterest expense to average assets | 1.5060% | 7,708 |
| Loan and lease loss provision to assets | 0.5359% | 2,359 |
| Net operating income to assets | 1.6989% | 617 |
| Return on assets (ROA) | 1.6989% | 670 |
| Pretax return on assets | 1.6989% | 1,062 |
| Return on Equity (ROE) | 15.8398% | 742 |
| Retained earnings to average equity (ytd only) | 9.4439% | 1,288 |
| Net charge-offs to loans | -0.1320% | 7,578 |
| Credit loss provision to net charge-offs | -461.5385% | 6,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2579% | 7,730 |
| Assets per employee ($millions) | 8.2204% | 475 |
| Cash dividends to net income (ytd only)* | 40.3785% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8786% | 2,509 |
| Loan loss allowance to noncurrent loans | 71.7400% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 2.4253% | 3,000 |
| Noncurrent loans to loans | 2.6187% | 3,046 |
| Net loans and leases to total assets | 86.7394% | 178 |
| Net loans and leases to deposits | 101.1809% | 685 |
| Net loans and leases to core deposits | 158.0746% | 193 |
| Total domestic deposits to total assets | 85.7270% | 3,295 |
| Equity capital to assets | 10.9520% | 2,805 |
| Core capital (leverage) ratio | 10.6845% | 2,460 |
| Tier 1 risk-based capital ratio | 12.2366% | 4,956 |
| Total risk-based capital ratio | 13.4949% | 4,925 |
| Memoranda: | ||
| Average total assets | $223,911,000 | 2,939 |
| Average earning assets | $216,224,500 | 2,792 |
| Average equity | $24,015,500 | 2,718 |
| Average total loans | $196,938,000 | 2,305 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4055% | 4,679 |
| Cost of funding earning assets | 2.0314% | 2,813 |
| Net interest margin | 3.3741% | 5,474 |
| Noninterest income to average assets | 0.2527% | 6,295 |
| Noninterest expense to average assets | 1.5872% | 7,776 |
| Loan and lease loss provision to assets | 0.7767% | 2,789 |
| Net operating income to assets | 1.1527% | 1,383 |
| Return on assets (ROA) | 1.1527% | 1,407 |
| Pretax return on assets | 1.1527% | 2,088 |
| Return on Equity (ROE) | 11.0132% | 1,419 |
| Retained earnings to average equity (ytd only) | 5.9846% | 1,351 |
| Net charge-offs to loans | 0.3172% | 4,657 |
| Credit loss provision to net charge-offs | 281.4570% | 1,203 |
| Earnings coverage of net charge-offs (x) | 6.9917% | 2,249 |
| Efficiency ratio | 45.1345% | 7,746 |
| Assets per employee ($millions) | 8.3656% | 435 |
| Cash dividends to net income (ytd only)* | 45.6599% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 2,965 |
| Loan loss allowance to noncurrent loans | 108.2817% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 1.4663% | 4,200 |
| Noncurrent loans to loans | 1.5516% | 4,323 |
| Net loans and leases to total assets | 86.0447% | 278 |
| Net loans and leases to deposits | 103.2250% | 686 |
| Net loans and leases to core deposits | 183.5811% | 145 |
| Total domestic deposits to total assets | 83.3564% | 4,356 |
| Equity capital to assets | 10.5029% | 3,176 |
| Core capital (leverage) ratio | 9.9731% | 3,115 |
| Tier 1 risk-based capital ratio | 11.7612% | 5,150 |
| Total risk-based capital ratio | 13.0166% | 5,107 |
| Memoranda: | ||
| Average total assets | $218,876,200 | 2,961 |
| Average earning assets | $211,727,600 | 2,814 |
| Average equity | $22,908,800 | 2,837 |
| Average total loans | $190,400,600 | 2,403 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4046% | 4,925 |
| Cost of funding earning assets | 2.1186% | 2,810 |
| Net interest margin | 3.2860% | 5,697 |
| Noninterest income to average assets | 0.2868% | 6,183 |
| Noninterest expense to average assets | 1.5831% | 7,845 |
| Loan and lease loss provision to assets | 0.6141% | 2,935 |
| Net operating income to assets | 1.2717% | 1,280 |
| Return on assets (ROA) | 1.2717% | 1,353 |
| Pretax return on assets | 1.2717% | 2,037 |
| Return on Equity (ROE) | 12.1613% | 1,317 |
| Retained earnings to average equity (ytd only) | 5.3965% | 2,256 |
| Net charge-offs to loans | 0.0382% | 6,373 |
| Credit loss provision to net charge-offs | 1,851.8519% | 209 |
| Earnings coverage of net charge-offs (x) | 56.8689% | 573 |
| Efficiency ratio | 45.6364% | 7,783 |
| Assets per employee ($millions) | 8.2528% | 469 |
| Cash dividends to net income (ytd only)* | 55.6253% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 2,829 |
| Loan loss allowance to noncurrent loans | 85.5178% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.7107% | 3,813 |
| Noncurrent loans to loans | 1.9226% | 3,741 |
| Net loans and leases to total assets | 82.0908% | 794 |
| Net loans and leases to deposits | 95.9281% | 1,587 |
| Net loans and leases to core deposits | 190.2543% | 135 |
| Total domestic deposits to total assets | 85.5754% | 2,930 |
| Equity capital to assets | 10.0906% | 3,970 |
| Core capital (leverage) ratio | 10.1193% | 3,151 |
| Tier 1 risk-based capital ratio | 11.5798% | 5,363 |
| Total risk-based capital ratio | 12.8345% | 5,295 |
| Memoranda: | ||
| Average total assets | $217,127,500 | 2,997 |
| Average earning assets | $210,260,250 | 2,856 |
| Average equity | $22,705,250 | 2,886 |
| Average total loans | $188,583,000 | 2,441 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4343% | 4,976 |
| Cost of funding earning assets | 2.2326% | 2,655 |
| Net interest margin | 3.2018% | 5,908 |
| Noninterest income to average assets | 0.3567% | 5,654 |
| Noninterest expense to average assets | 1.6529% | 7,878 |
| Loan and lease loss provision to assets | 0.4706% | 3,172 |
| Net operating income to assets | 1.3272% | 1,168 |
| Return on assets (ROA) | 1.3272% | 1,240 |
| Pretax return on assets | 1.3272% | 1,944 |
| Return on Equity (ROE) | 12.5326% | 1,278 |
| Retained earnings to average equity (ytd only) | 5.7063% | 2,159 |
| Net charge-offs to loans | -0.0011% | 7,466 |
| Credit loss provision to net charge-offs | -50,000.0000% | 7,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8996% | 7,762 |
| Assets per employee ($millions) | 7.9224% | 508 |
| Cash dividends to net income (ytd only)* | 54.4681% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 3,748 |
| Loan loss allowance to noncurrent loans | 172.7503% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 5,628 |
| Noncurrent loans to loans | 0.8078% | 5,614 |
| Net loans and leases to total assets | 86.8312% | 313 |
| Net loans and leases to deposits | 104.7526% | 850 |
| Net loans and leases to core deposits | 201.0920% | 119 |
| Total domestic deposits to total assets | 82.8917% | 4,294 |
| Equity capital to assets | 10.2728% | 3,641 |
| Core capital (leverage) ratio | 10.3188% | 2,977 |
| Tier 1 risk-based capital ratio | 11.4499% | 5,444 |
| Total risk-based capital ratio | 12.6732% | 5,382 |
| Memoranda: | ||
| Average total assets | $212,477,670 | 3,081 |
| Average earning assets | $205,324,670 | 2,931 |
| Average equity | $22,501,330 | 2,916 |
| Average total loans | $187,156,000 | 2,489 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4177% | 5,326 |
| Cost of funding earning assets | 2.3542% | 2,492 |
| Net interest margin | 3.0635% | 6,299 |
| Noninterest income to average assets | 0.3195% | 5,893 |
| Noninterest expense to average assets | 1.5957% | 7,910 |
| Loan and lease loss provision to assets | 0.1732% | 4,732 |
| Net operating income to assets | 1.5187% | 908 |
| Return on assets (ROA) | 1.5187% | 979 |
| Pretax return on assets | 1.5187% | 1,617 |
| Return on Equity (ROE) | 14.1158% | 1,143 |
| Retained earnings to average equity (ytd only) | 7.2457% | 2,113 |
| Net charge-offs to loans | -0.0022% | 7,115 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5363% | 7,699 |
| Assets per employee ($millions) | 7.7241% | 566 |
| Cash dividends to net income (ytd only)* | 48.6692% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 4,474 |
| Loan loss allowance to noncurrent loans | 184.5418% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6018% | 5,674 |
| Noncurrent loans to loans | 0.6754% | 5,717 |
| Net loans and leases to total assets | 87.9918% | 266 |
| Net loans and leases to deposits | 104.7689% | 960 |
| Net loans and leases to core deposits | 210.1739% | 117 |
| Total domestic deposits to total assets | 83.9866% | 3,706 |
| Equity capital to assets | 10.8425% | 3,131 |
| Core capital (leverage) ratio | 10.7173% | 2,722 |
| Tier 1 risk-based capital ratio | 12.0431% | 4,928 |
| Total risk-based capital ratio | 13.2601% | 4,841 |
| Memoranda: | ||
| Average total assets | $207,802,500 | 3,143 |
| Average earning assets | $201,340,500 | 3,000 |
| Average equity | $22,358,000 | 2,936 |
| Average total loans | $183,063,000 | 2,550 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1591% | 4,732 |
| Cost of funding earning assets | 2.9403% | 2,096 |
| Net interest margin | 3.2188% | 6,310 |
| Noninterest income to average assets | 0.0983% | 7,640 |
| Noninterest expense to average assets | 1.5432% | 8,013 |
| Loan and lease loss provision to assets | 0.3659% | 3,490 |
| Net operating income to assets | 1.3759% | 1,287 |
| Return on assets (ROA) | 1.4182% | 1,145 |
| Pretax return on assets | 1.3309% | 2,203 |
| Return on Equity (ROE) | 12.3967% | 1,481 |
| Retained earnings to average equity (ytd only) | 3.0204% | 3,292 |
| Net charge-offs to loans | -0.0174% | 7,912 |
| Credit loss provision to net charge-offs | -2,500.0000% | 7,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2590% | 7,784 |
| Assets per employee ($millions) | 7.6687% | 524 |
| Cash dividends to net income (ytd only)* | 75.6358% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 4,281 |
| Loan loss allowance to noncurrent loans | 223.8431% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 5,776 |
| Noncurrent loans to loans | 0.5513% | 5,711 |
| Net loans and leases to total assets | 86.0052% | 603 |
| Net loans and leases to deposits | 105.0980% | 1,216 |
| Net loans and leases to core deposits | 198.9276% | 178 |
| Total domestic deposits to total assets | 81.8333% | 4,267 |
| Equity capital to assets | 10.6754% | 3,312 |
| Core capital (leverage) ratio | 10.7625% | 2,771 |
| Tier 1 risk-based capital ratio | 11.9400% | 4,868 |
| Total risk-based capital ratio | 13.1636% | 4,792 |
| Memoranda: | ||
| Average total assets | $191,295,000 | 3,253 |
| Average earning assets | $184,199,600 | 3,134 |
| Average equity | $21,884,800 | 2,990 |
| Average total loans | $161,163,800 | 2,756 |