Home > Bloomsdale Bank > Performance and Condition Ratios
Bloomsdale 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 | 4.5391% | 3,032 |
| Cost of funding earning assets | 1.2679% | 2,608 |
| Net interest margin | 3.2712% | 2,699 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 1.9299% | 3,773 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.4893% | 1,038 |
| Return on assets (ROA) | 1.4839% | 1,021 |
| Pretax return on assets | 1.4839% | 1,463 |
| Return on Equity (ROE) | 25.6600% | 290 |
| Retained earnings to average equity (ytd only) | 8.6386% | 1,357 |
| Net charge-offs to loans | 0.1241% | 789 |
| Credit loss provision to net charge-offs | 60.4167% | 2,145 |
| Earnings coverage of net charge-offs (x) | 20.3917% | 1,857 |
| Efficiency ratio | 55.7024% | 3,527 |
| Assets per employee ($millions) | 6.6458% | 2,307 |
| Cash dividends to net income (ytd only)* | 66.3356% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 3,619 |
| Loan loss allowance to noncurrent loans | 219.0092% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 1,892 |
| Noncurrent loans to loans | 0.4235% | 1,721 |
| Net loans and leases to total assets | 62.3500% | 2,648 |
| Net loans and leases to deposits | 67.0306% | 3,106 |
| Net loans and leases to core deposits | 83.2795% | 2,508 |
| Total domestic deposits to total assets | 93.0200% | 172 |
| Equity capital to assets | 6.5793% | 4,090 |
| Core capital (leverage) ratio | 8.6195% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1705% | 2,181 |
| Memoranda: | ||
| Average total assets | $318,883,000 | 2,325 |
| Average earning assets | $308,628,800 | 2,255 |
| Average equity | $18,440,400 | 2,979 |
| Average total loans | $193,404,200 | 2,336 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 3,059 |
| Cost of funding earning assets | 1.1922% | 2,456 |
| Net interest margin | 3.2313% | 2,846 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 1.8806% | 3,834 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.5427% | 1,038 |
| Return on assets (ROA) | 1.5364% | 1,037 |
| Pretax return on assets | 1.5364% | 1,493 |
| Return on Equity (ROE) | 27.5400% | 292 |
| Retained earnings to average equity (ytd only) | 4.2273% | 3,201 |
| Net charge-offs to loans | 0.1120% | 713 |
| Credit loss provision to net charge-offs | 25.0000% | 1,992 |
| Earnings coverage of net charge-offs (x) | 23.1875% | 1,741 |
| Efficiency ratio | 54.6676% | 3,532 |
| Assets per employee ($millions) | 6.4280% | 2,375 |
| Cash dividends to net income (ytd only)* | 84.6512% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 3,570 |
| Loan loss allowance to noncurrent loans | 175.8201% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 1,674 |
| Noncurrent loans to loans | 0.5386% | 1,478 |
| Net loans and leases to total assets | 62.3000% | 2,620 |
| Net loans and leases to deposits | 66.1193% | 3,118 |
| Net loans and leases to core deposits | 80.8687% | 2,538 |
| Total domestic deposits to total assets | 94.2300% | 168 |
| Equity capital to assets | 4.9881% | 4,253 |
| Core capital (leverage) ratio | 8.3591% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9714% | 2,279 |
| Memoranda: | ||
| Average total assets | $317,192,750 | 2,341 |
| Average earning assets | $306,992,750 | 2,262 |
| Average equity | $17,694,250 | 3,025 |
| Average total loans | $190,516,750 | 2,359 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2830% | 3,126 |
| Cost of funding earning assets | 1.1171% | 2,222 |
| Net interest margin | 3.1659% | 3,068 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.8677% | 3,882 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.4695% | 1,169 |
| Return on assets (ROA) | 1.4601% | 1,175 |
| Pretax return on assets | 1.4601% | 1,676 |
| Return on Equity (ROE) | 25.2900% | 369 |
| Retained earnings to average equity (ytd only) | 1.2204% | 3,871 |
| Net charge-offs to loans | 0.1075% | 649 |
| Credit loss provision to net charge-offs | 9.9010% | 1,798 |
| Earnings coverage of net charge-offs (x) | 23.2277% | 1,678 |
| Efficiency ratio | 55.8608% | 3,440 |
| Assets per employee ($millions) | 6.5208% | 2,264 |
| Cash dividends to net income (ytd only)* | 95.1745% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,486 |
| Loan loss allowance to noncurrent loans | 196.7975% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 1,707 |
| Noncurrent loans to loans | 0.5014% | 1,455 |
| Net loans and leases to total assets | 59.8200% | 2,789 |
| Net loans and leases to deposits | 64.6583% | 3,149 |
| Net loans and leases to core deposits | 78.2337% | 2,593 |
| Total domestic deposits to total assets | 92.5200% | 320 |
| Equity capital to assets | 5.6848% | 4,242 |
| Core capital (leverage) ratio | 8.2448% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0520% | 2,277 |
| Memoranda: | ||
| Average total assets | $317,933,000 | 2,340 |
| Average earning assets | $307,401,333 | 2,270 |
| Average equity | $18,355,333 | 2,995 |
| Average total loans | $187,983,667 | 2,372 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 3,214 |
| Cost of funding earning assets | 1.0030% | 2,039 |
| Net interest margin | 3.1171% | 3,312 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.9323% | 3,784 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3559% | 1,523 |
| Return on assets (ROA) | 1.3559% | 1,492 |
| Pretax return on assets | 1.3559% | 1,999 |
| Return on Equity (ROE) | 23.3000% | 492 |
| Retained earnings to average equity (ytd only) | 1.7126% | 3,750 |
| Net charge-offs to loans | 0.0841% | 659 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 27.5641% | 1,338 |
| Efficiency ratio | 58.7649% | 3,099 |
| Assets per employee ($millions) | 6.5952% | 2,269 |
| Cash dividends to net income (ytd only)* | 92.6512% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 3,430 |
| Loan loss allowance to noncurrent loans | 230.7783% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 1,829 |
| Noncurrent loans to loans | 0.4424% | 1,616 |
| Net loans and leases to total assets | 58.7100% | 2,800 |
| Net loans and leases to deposits | 64.5373% | 3,042 |
| Net loans and leases to core deposits | 76.9012% | 2,468 |
| Total domestic deposits to total assets | 90.9700% | 813 |
| Equity capital to assets | 5.9842% | 4,205 |
| Core capital (leverage) ratio | 8.3681% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0007% | 2,386 |
| Memoranda: | ||
| Average total assets | $317,139,000 | 2,373 |
| Average earning assets | $307,080,000 | 2,306 |
| Average equity | $18,451,000 | 3,020 |
| Average total loans | $185,450,000 | 2,405 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3851% | 3,381 |
| Cost of funding earning assets | 0.4086% | 2,017 |
| Net interest margin | 2.9765% | 3,507 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.7616% | 4,078 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 1.6443% | 613 |
| Return on assets (ROA) | 1.6437% | 580 |
| Pretax return on assets | 1.6437% | 1,050 |
| Return on Equity (ROE) | 26.3000% | 172 |
| Retained earnings to average equity (ytd only) | 6.2434% | 2,553 |
| Net charge-offs to loans | 0.0060% | 2,201 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,698 |
| Earnings coverage of net charge-offs (x) | 479.5000% | 343 |
| Efficiency ratio | 53.4782% | 3,837 |
| Assets per employee ($millions) | 6.7633% | 2,143 |
| Cash dividends to net income (ytd only)* | 76.2590% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 2,950 |
| Loan loss allowance to noncurrent loans | 164.5025% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 1,343 |
| Noncurrent loans to loans | 0.6617% | 1,125 |
| Net loans and leases to total assets | 56.9800% | 2,917 |
| Net loans and leases to deposits | 60.9709% | 3,275 |
| Net loans and leases to core deposits | 72.0812% | 2,720 |
| Total domestic deposits to total assets | 93.4600% | 314 |
| Equity capital to assets | 5.6452% | 4,195 |
| Core capital (leverage) ratio | 8.4255% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6038% | 2,124 |
| Memoranda: | ||
| Average total assets | $312,895,600 | 2,387 |
| Average earning assets | $301,295,400 | 2,326 |
| Average equity | $19,556,800 | 2,992 |
| Average total loans | $166,527,400 | 2,491 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2339% | 3,351 |
| Cost of funding earning assets | 0.2962% | 2,214 |
| Net interest margin | 2.9377% | 3,389 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 1.7463% | 4,082 |
| Loan and lease loss provision to assets | -0.1500% | 4,632 |
| Net operating income to assets | 1.7008% | 532 |
| Return on assets (ROA) | 1.7012% | 518 |
| Pretax return on assets | 1.7012% | 904 |
| Return on Equity (ROE) | 26.5800% | 144 |
| Retained earnings to average equity (ytd only) | 2.1673% | 3,987 |
| Net charge-offs to loans | -0.0229% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.9480% | 3,920 |
| Assets per employee ($millions) | 6.7036% | 2,160 |
| Cash dividends to net income (ytd only)* | 91.8459% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 2,696 |
| Loan loss allowance to noncurrent loans | 175.5516% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 1,465 |
| Noncurrent loans to loans | 0.6664% | 1,223 |
| Net loans and leases to total assets | 54.4900% | 3,049 |
| Net loans and leases to deposits | 57.2158% | 3,392 |
| Net loans and leases to core deposits | 66.3917% | 2,923 |
| Total domestic deposits to total assets | 95.2400% | 192 |
| Equity capital to assets | 4.6001% | 4,379 |
| Core capital (leverage) ratio | 8.1318% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5232% | 2,253 |
| Memoranda: | ||
| Average total assets | $313,341,500 | 2,398 |
| Average earning assets | $301,180,250 | 2,352 |
| Average equity | $20,055,250 | 2,990 |
| Average total loans | $163,353,250 | 2,516 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0848% | 3,344 |
| Cost of funding earning assets | 0.2563% | 2,179 |
| Net interest margin | 2.8284% | 3,356 |
| Noninterest income to average assets | 0.4895% | 2,258 |
| Noninterest expense to average assets | 1.7746% | 4,013 |
| Loan and lease loss provision to assets | -0.2222% | 4,690 |
| Net operating income to assets | 1.6483% | 487 |
| Return on assets (ROA) | 1.6489% | 476 |
| Pretax return on assets | 1.6489% | 851 |
| Return on Equity (ROE) | 23.5962% | 150 |
| Retained earnings to average equity (ytd only) | -0.7178% | 4,267 |
| Net charge-offs to loans | -0.0434% | 4,180 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4453% | 3,832 |
| Assets per employee ($millions) | 6.8040% | 2,068 |
| Cash dividends to net income (ytd only)* | 103.0420% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,632 |
| Loan loss allowance to noncurrent loans | 176.6372% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 1,553 |
| Noncurrent loans to loans | 0.6857% | 1,257 |
| Net loans and leases to total assets | 52.0170% | 3,153 |
| Net loans and leases to deposits | 55.1752% | 3,450 |
| Net loans and leases to core deposits | 64.0933% | 2,962 |
| Total domestic deposits to total assets | 94.2761% | 237 |
| Equity capital to assets | 5.5798% | 4,338 |
| Core capital (leverage) ratio | 7.8487% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6181% | 2,243 |
| Memoranda: | ||
| Average total assets | $315,000,333 | 2,410 |
| Average earning assets | $301,934,667 | 2,370 |
| Average equity | $22,012,000 | 2,892 |
| Average total loans | $161,132,000 | 2,539 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0086% | 3,230 |
| Cost of funding earning assets | 0.2545% | 2,110 |
| Net interest margin | 2.7542% | 3,269 |
| Noninterest income to average assets | 0.4671% | 2,316 |
| Noninterest expense to average assets | 1.6962% | 4,137 |
| Loan and lease loss provision to assets | -0.4430% | 4,750 |
| Net operating income to assets | 1.8443% | 302 |
| Return on assets (ROA) | 1.8443% | 303 |
| Pretax return on assets | 1.8443% | 499 |
| Return on Equity (ROE) | 23.9974% | 105 |
| Retained earnings to average equity (ytd only) | 7.7905% | 1,644 |
| Net charge-offs to loans | -0.0879% | 4,422 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7609% | 3,999 |
| Assets per employee ($millions) | 6.9052% | 2,058 |
| Cash dividends to net income (ytd only)* | 67.5360% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,526 |
| Loan loss allowance to noncurrent loans | 172.9636% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 1,660 |
| Noncurrent loans to loans | 0.7311% | 1,304 |
| Net loans and leases to total assets | 49.0665% | 3,270 |
| Net loans and leases to deposits | 52.7862% | 3,511 |
| Net loans and leases to core deposits | 62.0618% | 2,969 |
| Total domestic deposits to total assets | 92.9533% | 285 |
| Equity capital to assets | 6.9123% | 4,249 |
| Core capital (leverage) ratio | 8.2104% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2660% | 2,089 |
| Memoranda: | ||
| Average total assets | $316,007,500 | 2,415 |
| Average earning assets | $301,798,500 | 2,382 |
| Average equity | $24,286,000 | 2,819 |
| Average total loans | $159,297,000 | 2,557 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5059% | 2,644 |
| Cost of funding earning assets | 0.3708% | 1,747 |
| Net interest margin | 3.1350% | 2,787 |
| Noninterest income to average assets | 0.5908% | 2,202 |
| Noninterest expense to average assets | 1.7096% | 4,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8538% | 455 |
| Return on assets (ROA) | 1.8933% | 441 |
| Pretax return on assets | 1.8933% | 733 |
| Return on Equity (ROE) | 21.7024% | 229 |
| Retained earnings to average equity (ytd only) | -1.6004% | 4,607 |
| Net charge-offs to loans | 0.0242% | 1,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 138.6098% | 710 |
| Efficiency ratio | 47.9769% | 4,407 |
| Assets per employee ($millions) | 6.8343% | 2,043 |
| Cash dividends to net income (ytd only)* | 107.3742% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4377% | 1,773 |
| Loan loss allowance to noncurrent loans | 257.3497% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 2,112 |
| Noncurrent loans to loans | 0.5587% | 1,728 |
| Net loans and leases to total assets | 50.3959% | 3,237 |
| Net loans and leases to deposits | 55.1194% | 3,506 |
| Net loans and leases to core deposits | 65.6478% | 2,850 |
| Total domestic deposits to total assets | 91.4304% | 338 |
| Equity capital to assets | 8.4663% | 4,071 |
| Core capital (leverage) ratio | 8.0923% | 4,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1400% | 2,190 |
| Memoranda: | ||
| Average total assets | $306,555,400 | 2,406 |
| Average earning assets | $290,684,600 | 2,374 |
| Average equity | $26,743,600 | 2,743 |
| Average total loans | $169,165,600 | 2,473 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6342% | 2,464 |
| Cost of funding earning assets | 0.4004% | 1,694 |
| Net interest margin | 3.2338% | 2,627 |
| Noninterest income to average assets | 0.6321% | 2,089 |
| Noninterest expense to average assets | 1.6559% | 4,396 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0376% | 434 |
| Return on assets (ROA) | 2.0923% | 421 |
| Pretax return on assets | 2.0923% | 681 |
| Return on Equity (ROE) | 23.8023% | 215 |
| Retained earnings to average equity (ytd only) | -7.2303% | 4,820 |
| Net charge-offs to loans | -0.0008% | 3,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8329% | 4,547 |
| Assets per employee ($millions) | 6.8853% | 1,945 |
| Cash dividends to net income (ytd only)* | 130.3766% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 1,904 |
| Loan loss allowance to noncurrent loans | 243.8342% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 2,247 |
| Noncurrent loans to loans | 0.5858% | 1,848 |
| Net loans and leases to total assets | 51.2722% | 3,272 |
| Net loans and leases to deposits | 56.0396% | 3,576 |
| Net loans and leases to core deposits | 66.7330% | 2,888 |
| Total domestic deposits to total assets | 91.4929% | 235 |
| Equity capital to assets | 8.3160% | 4,329 |
| Core capital (leverage) ratio | 7.9439% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4789% | 2,555 |
| Memoranda: | ||
| Average total assets | $304,600,000 | 2,443 |
| Average earning assets | $288,362,000 | 2,412 |
| Average equity | $26,775,500 | 2,773 |
| Average total loans | $171,271,000 | 2,491 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8596% | 1,921 |
| Cost of funding earning assets | 0.4331% | 1,638 |
| Net interest margin | 3.4266% | 2,073 |
| Noninterest income to average assets | 0.5949% | 2,236 |
| Noninterest expense to average assets | 1.6609% | 4,428 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1826% | 351 |
| Return on assets (ROA) | 2.2438% | 334 |
| Pretax return on assets | 2.2438% | 534 |
| Return on Equity (ROE) | 25.0511% | 190 |
| Retained earnings to average equity (ytd only) | -13.9371% | 4,898 |
| Net charge-offs to loans | -0.0012% | 3,107 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2133% | 4,652 |
| Assets per employee ($millions) | 5.9240% | 2,693 |
| Cash dividends to net income (ytd only)* | 155.6346% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 1,923 |
| Loan loss allowance to noncurrent loans | 254.9296% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 2,422 |
| Noncurrent loans to loans | 0.5536% | 2,015 |
| Net loans and leases to total assets | 53.3633% | 3,210 |
| Net loans and leases to deposits | 58.4040% | 3,508 |
| Net loans and leases to core deposits | 70.4389% | 2,739 |
| Total domestic deposits to total assets | 91.3692% | 263 |
| Equity capital to assets | 8.4305% | 4,251 |
| Core capital (leverage) ratio | 7.7846% | 4,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6300% | 2,505 |
| Memoranda: | ||
| Average total assets | $300,558,333 | 2,456 |
| Average earning assets | $284,949,667 | 2,420 |
| Average equity | $26,921,000 | 2,743 |
| Average total loans | $173,446,333 | 2,486 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 1,375 |
| Cost of funding earning assets | 0.4402% | 1,799 |
| Net interest margin | 3.6627% | 1,422 |
| Noninterest income to average assets | 0.9016% | 1,321 |
| Noninterest expense to average assets | 1.6401% | 4,479 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.7263% | 192 |
| Return on assets (ROA) | 2.7263% | 217 |
| Pretax return on assets | 2.7263% | 329 |
| Return on Equity (ROE) | 29.5366% | 147 |
| Retained earnings to average equity (ytd only) | -18.3527% | 4,904 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5617% | 4,817 |
| Assets per employee ($millions) | 6.4854% | 2,188 |
| Cash dividends to net income (ytd only)* | 162.1354% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 2,306 |
| Loan loss allowance to noncurrent loans | 244.2368% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 1,853 |
| Noncurrent loans to loans | 0.5436% | 2,230 |
| Net loans and leases to total assets | 57.3476% | 2,873 |
| Net loans and leases to deposits | 62.8708% | 3,231 |
| Net loans and leases to core deposits | 76.0834% | 2,350 |
| Total domestic deposits to total assets | 91.2150% | 324 |
| Equity capital to assets | 8.6137% | 4,034 |
| Core capital (leverage) ratio | 8.3453% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4161% | 2,113 |
| Memoranda: | ||
| Average total assets | $296,814,000 | 2,454 |
| Average earning assets | $280,776,500 | 2,432 |
| Average equity | $27,396,500 | 2,705 |
| Average total loans | $176,801,000 | 2,463 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 1,910 |
| Cost of funding earning assets | 0.6149% | 2,210 |
| Net interest margin | 3.6705% | 1,908 |
| Noninterest income to average assets | 1.4371% | 579 |
| Noninterest expense to average assets | 1.9390% | 4,251 |
| Loan and lease loss provision to assets | 0.1381% | 2,632 |
| Net operating income to assets | 2.8526% | 104 |
| Return on assets (ROA) | 2.8581% | 107 |
| Pretax return on assets | 2.8581% | 133 |
| Return on Equity (ROE) | 30.8420% | 66 |
| Retained earnings to average equity (ytd only) | 12.5959% | 268 |
| Net charge-offs to loans | -0.0954% | 4,806 |
| Credit loss provision to net charge-offs | -225.9036% | 3,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3337% | 4,885 |
| Assets per employee ($millions) | 5.5541% | 2,788 |
| Cash dividends to net income (ytd only)* | 59.1600% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 2,263 |
| Loan loss allowance to noncurrent loans | 242.9752% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 1,931 |
| Noncurrent loans to loans | 0.5486% | 2,338 |
| Net loans and leases to total assets | 60.2791% | 2,822 |
| Net loans and leases to deposits | 67.0165% | 3,183 |
| Net loans and leases to core deposits | 81.6002% | 2,221 |
| Total domestic deposits to total assets | 89.9468% | 588 |
| Equity capital to assets | 9.8808% | 3,233 |
| Core capital (leverage) ratio | 8.8554% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2364% | 1,769 |
| Memoranda: | ||
| Average total assets | $271,579,200 | 2,453 |
| Average earning assets | $258,412,200 | 2,415 |
| Average equity | $25,167,000 | 2,791 |
| Average total loans | $174,080,000 | 2,455 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4831% | 1,619 |
| Cost of funding earning assets | 0.6446% | 2,358 |
| Net interest margin | 3.8385% | 1,507 |
| Noninterest income to average assets | 1.3898% | 577 |
| Noninterest expense to average assets | 1.7984% | 4,506 |
| Loan and lease loss provision to assets | 0.1497% | 2,526 |
| Net operating income to assets | 3.1044% | 84 |
| Return on assets (ROA) | 3.1074% | 89 |
| Pretax return on assets | 3.1074% | 115 |
| Return on Equity (ROE) | 34.1430% | 46 |
| Retained earnings to average equity (ytd only) | 8.9729% | 990 |
| Net charge-offs to loans | -0.0023% | 3,901 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5944% | 4,956 |
| Assets per employee ($millions) | 6.0522% | 2,221 |
| Cash dividends to net income (ytd only)* | 73.7197% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 2,932 |
| Loan loss allowance to noncurrent loans | 211.0889% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.5287% | 2,117 |
| Noncurrent loans to loans | 0.5456% | 2,434 |
| Net loans and leases to total assets | 59.9325% | 3,237 |
| Net loans and leases to deposits | 72.5032% | 3,085 |
| Net loans and leases to core deposits | 89.1196% | 2,049 |
| Total domestic deposits to total assets | 82.6618% | 3,232 |
| Equity capital to assets | 8.7952% | 4,254 |
| Core capital (leverage) ratio | 8.2390% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9209% | 1,854 |
| Memoranda: | ||
| Average total assets | $267,270,750 | 2,457 |
| Average earning assets | $255,023,500 | 2,417 |
| Average equity | $24,324,500 | 2,850 |
| Average total loans | $173,488,500 | 2,457 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 947 |
| Cost of funding earning assets | 0.6753% | 2,527 |
| Net interest margin | 4.2390% | 844 |
| Noninterest income to average assets | 1.1327% | 778 |
| Noninterest expense to average assets | 1.8482% | 4,485 |
| Loan and lease loss provision to assets | 0.1761% | 2,256 |
| Net operating income to assets | 3.1719% | 74 |
| Return on assets (ROA) | 3.1727% | 77 |
| Pretax return on assets | 3.1727% | 99 |
| Return on Equity (ROE) | 34.4043% | 45 |
| Retained earnings to average equity (ytd only) | 3.7774% | 3,026 |
| Net charge-offs to loans | 0.0012% | 2,988 |
| Credit loss provision to net charge-offs | 22,500.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 4,277.0000% | 10 |
| Efficiency ratio | 35.5679% | 4,984 |
| Assets per employee ($millions) | 6.1731% | 2,043 |
| Cash dividends to net income (ytd only)* | 89.0205% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 3,155 |
| Loan loss allowance to noncurrent loans | 255.0125% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 2,476 |
| Noncurrent loans to loans | 0.4251% | 2,886 |
| Net loans and leases to total assets | 61.3922% | 3,178 |
| Net loans and leases to deposits | 78.5092% | 2,599 |
| Net loans and leases to core deposits | 96.5784% | 1,530 |
| Total domestic deposits to total assets | 78.1975% | 4,164 |
| Equity capital to assets | 8.3644% | 4,554 |
| Core capital (leverage) ratio | 8.2611% | 4,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0665% | 2,151 |
| Memoranda: | ||
| Average total assets | $255,491,333 | 2,508 |
| Average earning assets | $244,917,333 | 2,454 |
| Average equity | $23,561,000 | 2,887 |
| Average total loans | $170,160,000 | 2,470 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6069% | 1,980 |
| Cost of funding earning assets | 0.7582% | 2,618 |
| Net interest margin | 3.8487% | 1,826 |
| Noninterest income to average assets | 0.5517% | 2,273 |
| Noninterest expense to average assets | 1.8397% | 4,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.3794% | 134 |
| Return on assets (ROA) | 2.3794% | 149 |
| Pretax return on assets | 2.3794% | 207 |
| Return on Equity (ROE) | 24.3268% | 76 |
| Retained earnings to average equity (ytd only) | -4.5833% | 4,486 |
| Net charge-offs to loans | 0.0124% | 2,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 276.0000% | 256 |
| Efficiency ratio | 43.6044% | 4,891 |
| Assets per employee ($millions) | 4.2246% | 3,622 |
| Cash dividends to net income (ytd only)* | 118.8406% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 3,149 |
| Loan loss allowance to noncurrent loans | 248.4182% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 2,288 |
| Noncurrent loans to loans | 0.4469% | 2,913 |
| Net loans and leases to total assets | 69.2298% | 2,363 |
| Net loans and leases to deposits | 80.2666% | 2,651 |
| Net loans and leases to core deposits | 99.6759% | 1,499 |
| Total domestic deposits to total assets | 86.2499% | 1,893 |
| Equity capital to assets | 9.2191% | 4,452 |
| Core capital (leverage) ratio | 9.7506% | 3,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9535% | 2,305 |
| Memoranda: | ||
| Average total assets | $231,995,500 | 2,611 |
| Average earning assets | $221,060,000 | 2,564 |
| Average equity | $22,691,000 | 2,948 |
| Average total loans | $161,372,000 | 2,529 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7457% | 2,199 |
| Cost of funding earning assets | 0.7750% | 2,800 |
| Net interest margin | 3.9707% | 1,940 |
| Noninterest income to average assets | 0.6070% | 2,185 |
| Noninterest expense to average assets | 1.9892% | 4,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.4186% | 151 |
| Return on assets (ROA) | 2.4251% | 157 |
| Pretax return on assets | 2.4251% | 238 |
| Return on Equity (ROE) | 25.1035% | 75 |
| Retained earnings to average equity (ytd only) | 7.1899% | 1,317 |
| Net charge-offs to loans | -0.0063% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1296% | 4,942 |
| Assets per employee ($millions) | 4.2116% | 3,625 |
| Cash dividends to net income (ytd only)* | 71.3590% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 2,782 |
| Loan loss allowance to noncurrent loans | 262.0839% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 2,206 |
| Noncurrent loans to loans | 0.4317% | 2,900 |
| Net loans and leases to total assets | 68.3262% | 2,634 |
| Net loans and leases to deposits | 80.2727% | 2,750 |
| Net loans and leases to core deposits | 100.2553% | 1,541 |
| Total domestic deposits to total assets | 85.1176% | 2,448 |
| Equity capital to assets | 10.3442% | 3,592 |
| Core capital (leverage) ratio | 9.9625% | 3,561 |
| Tier 1 risk-based capital ratio | 13.2507% | 3,647 |
| Total risk-based capital ratio | 14.3021% | 3,645 |
| Memoranda: | ||
| Average total assets | $228,482,600 | 2,590 |
| Average earning assets | $218,704,600 | 2,540 |
| Average equity | $22,072,600 | 2,954 |
| Average total loans | $159,511,800 | 2,516 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7496% | 2,269 |
| Cost of funding earning assets | 0.7690% | 2,873 |
| Net interest margin | 3.9806% | 2,014 |
| Noninterest income to average assets | 0.5809% | 2,308 |
| Noninterest expense to average assets | 1.9816% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.4155% | 187 |
| Return on assets (ROA) | 2.4225% | 193 |
| Pretax return on assets | 2.4225% | 291 |
| Return on Equity (ROE) | 25.5358% | 78 |
| Retained earnings to average equity (ytd only) | 1.1296% | 4,533 |
| Net charge-offs to loans | -0.0067% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0659% | 4,975 |
| Assets per employee ($millions) | 4.1457% | 3,692 |
| Cash dividends to net income (ytd only)* | 95.5766% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 2,884 |
| Loan loss allowance to noncurrent loans | 253.9326% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 2,280 |
| Noncurrent loans to loans | 0.4442% | 2,979 |
| Net loans and leases to total assets | 69.5051% | 2,550 |
| Net loans and leases to deposits | 81.3644% | 2,758 |
| Net loans and leases to core deposits | 101.8378% | 1,519 |
| Total domestic deposits to total assets | 85.4245% | 2,245 |
| Equity capital to assets | 9.9433% | 4,076 |
| Core capital (leverage) ratio | 9.3907% | 4,286 |
| Tier 1 risk-based capital ratio | 12.5295% | 4,122 |
| Total risk-based capital ratio | 13.5871% | 4,115 |
| Memoranda: | ||
| Average total assets | $227,694,250 | 2,617 |
| Average earning assets | $218,286,500 | 2,569 |
| Average equity | $21,600,500 | 3,014 |
| Average total loans | $159,370,000 | 2,543 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6951% | 2,372 |
| Cost of funding earning assets | 0.7499% | 2,892 |
| Net interest margin | 3.9453% | 2,109 |
| Noninterest income to average assets | 0.5290% | 2,514 |
| Noninterest expense to average assets | 2.0063% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3094% | 212 |
| Return on assets (ROA) | 2.3156% | 220 |
| Pretax return on assets | 2.3156% | 349 |
| Return on Equity (ROE) | 24.8078% | 96 |
| Retained earnings to average equity (ytd only) | -3.1539% | 4,977 |
| Net charge-offs to loans | -0.0063% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4875% | 4,970 |
| Assets per employee ($millions) | 4.4510% | 3,220 |
| Cash dividends to net income (ytd only)* | 112.7135% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 2,976 |
| Loan loss allowance to noncurrent loans | 254.5839% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 2,321 |
| Noncurrent loans to loans | 0.4394% | 2,952 |
| Net loans and leases to total assets | 68.9283% | 2,685 |
| Net loans and leases to deposits | 76.2790% | 3,305 |
| Net loans and leases to core deposits | 101.7858% | 1,575 |
| Total domestic deposits to total assets | 90.3634% | 223 |
| Equity capital to assets | 9.3976% | 4,504 |
| Core capital (leverage) ratio | 9.1182% | 4,533 |
| Tier 1 risk-based capital ratio | 12.0440% | 4,391 |
| Total risk-based capital ratio | 13.0840% | 4,396 |
| Memoranda: | ||
| Average total assets | $227,588,330 | 2,630 |
| Average earning assets | $218,438,670 | 2,573 |
| Average equity | $21,243,330 | 3,042 |
| Average total loans | $159,064,000 | 2,548 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 2,238 |
| Cost of funding earning assets | 0.6911% | 3,103 |
| Net interest margin | 4.0060% | 1,840 |
| Noninterest income to average assets | 0.4839% | 2,654 |
| Noninterest expense to average assets | 1.9552% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.3717% | 203 |
| Return on assets (ROA) | 2.3842% | 210 |
| Pretax return on assets | 2.3842% | 306 |
| Return on Equity (ROE) | 25.6319% | 92 |
| Retained earnings to average equity (ytd only) | 6.5557% | 2,226 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1864% | 5,059 |
| Assets per employee ($millions) | 4.3633% | 3,391 |
| Cash dividends to net income (ytd only)* | 74.4238% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 2,948 |
| Loan loss allowance to noncurrent loans | 270.4204% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 2,416 |
| Noncurrent loans to loans | 0.4190% | 3,089 |
| Net loans and leases to total assets | 69.2613% | 2,586 |
| Net loans and leases to deposits | 76.7475% | 3,190 |
| Net loans and leases to core deposits | 107.7692% | 1,064 |
| Total domestic deposits to total assets | 90.2456% | 369 |
| Equity capital to assets | 9.5292% | 4,233 |
| Core capital (leverage) ratio | 9.4941% | 4,136 |
| Tier 1 risk-based capital ratio | 12.5854% | 4,113 |
| Total risk-based capital ratio | 13.6356% | 4,108 |
| Memoranda: | ||
| Average total assets | $225,656,500 | 2,672 |
| Average earning assets | $216,476,500 | 2,616 |
| Average equity | $20,989,500 | 3,069 |
| Average total loans | $157,925,500 | 2,585 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 2,420 |
| Cost of funding earning assets | 0.4612% | 3,600 |
| Net interest margin | 4.0532% | 1,811 |
| Noninterest income to average assets | 0.5035% | 2,821 |
| Noninterest expense to average assets | 2.0412% | 4,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.3503% | 198 |
| Return on assets (ROA) | 2.2750% | 215 |
| Pretax return on assets | 2.2750% | 309 |
| Return on Equity (ROE) | 25.4421% | 86 |
| Retained earnings to average equity (ytd only) | -7.1258% | 5,283 |
| Net charge-offs to loans | 0.1196% | 1,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 28.9392% | 1,636 |
| Efficiency ratio | 46.4800% | 5,107 |
| Assets per employee ($millions) | 4.3158% | 3,437 |
| Cash dividends to net income (ytd only)* | 128.0079% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 2,838 |
| Loan loss allowance to noncurrent loans | 269.6108% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.5646% | 2,350 |
| Noncurrent loans to loans | 0.4257% | 3,012 |
| Net loans and leases to total assets | 69.1115% | 2,713 |
| Net loans and leases to deposits | 76.1795% | 3,335 |
| Net loans and leases to core deposits | 105.1333% | 1,333 |
| Total domestic deposits to total assets | 90.7219% | 269 |
| Equity capital to assets | 9.0714% | 4,523 |
| Core capital (leverage) ratio | 9.4192% | 4,214 |
| Tier 1 risk-based capital ratio | 12.5535% | 4,103 |
| Total risk-based capital ratio | 13.6181% | 4,079 |
| Memoranda: | ||
| Average total assets | $222,861,000 | 2,677 |
| Average earning assets | $213,781,000 | 2,612 |
| Average equity | $19,927,600 | 3,097 |
| Average total loans | $151,283,200 | 2,629 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 2,383 |
| Cost of funding earning assets | 0.4215% | 3,716 |
| Net interest margin | 4.0524% | 1,780 |
| Noninterest income to average assets | 0.6035% | 2,288 |
| Noninterest expense to average assets | 2.1216% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.3715% | 196 |
| Return on assets (ROA) | 2.3661% | 197 |
| Pretax return on assets | 2.3661% | 295 |
| Return on Equity (ROE) | 26.5584% | 61 |
| Retained earnings to average equity (ytd only) | -17.0934% | 5,433 |
| Net charge-offs to loans | 0.1797% | 930 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 19.5889% | 1,999 |
| Efficiency ratio | 47.2189% | 5,088 |
| Assets per employee ($millions) | 4.2945% | 3,426 |
| Cash dividends to net income (ytd only)* | 164.3616% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 2,852 |
| Loan loss allowance to noncurrent loans | 394.6785% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 2,804 |
| Noncurrent loans to loans | 0.2936% | 3,626 |
| Net loans and leases to total assets | 67.9929% | 2,941 |
| Net loans and leases to deposits | 74.5545% | 3,545 |
| Net loans and leases to core deposits | 100.0593% | 1,791 |
| Total domestic deposits to total assets | 91.1989% | 178 |
| Equity capital to assets | 8.3703% | 4,995 |
| Core capital (leverage) ratio | 8.9101% | 4,793 |
| Tier 1 risk-based capital ratio | 12.0525% | 4,475 |
| Total risk-based capital ratio | 13.1190% | 4,457 |
| Memoranda: | ||
| Average total assets | $222,471,250 | 2,692 |
| Average earning assets | $213,531,000 | 2,623 |
| Average equity | $19,820,000 | 3,127 |
| Average total loans | $149,878,750 | 2,658 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 2,329 |
| Cost of funding earning assets | 0.4016% | 3,709 |
| Net interest margin | 4.0262% | 1,774 |
| Noninterest income to average assets | 0.6139% | 2,251 |
| Noninterest expense to average assets | 2.0829% | 4,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.3934% | 178 |
| Return on assets (ROA) | 2.3853% | 176 |
| Pretax return on assets | 2.3853% | 280 |
| Return on Equity (ROE) | 26.2428% | 61 |
| Retained earnings to average equity (ytd only) | -28.4017% | 5,511 |
| Net charge-offs to loans | 0.1292% | 1,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 27.6979% | 1,573 |
| Efficiency ratio | 46.5313% | 5,188 |
| Assets per employee ($millions) | 4.2700% | 3,471 |
| Cash dividends to net income (ytd only)* | 208.2264% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 2,459 |
| Loan loss allowance to noncurrent loans | 317.6768% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 2,391 |
| Noncurrent loans to loans | 0.3919% | 3,290 |
| Net loans and leases to total assets | 67.4213% | 2,959 |
| Net loans and leases to deposits | 73.9867% | 3,531 |
| Net loans and leases to core deposits | 97.8515% | 1,901 |
| Total domestic deposits to total assets | 91.1263% | 218 |
| Equity capital to assets | 8.4166% | 5,002 |
| Core capital (leverage) ratio | 8.8404% | 4,849 |
| Tier 1 risk-based capital ratio | 12.0136% | 4,486 |
| Total risk-based capital ratio | 13.1592% | 4,433 |
| Memoranda: | ||
| Average total assets | $222,190,670 | 2,711 |
| Average earning assets | $213,155,670 | 2,641 |
| Average equity | $20,196,000 | 3,111 |
| Average total loans | $148,632,670 | 2,679 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 2,173 |
| Cost of funding earning assets | 0.3889% | 3,668 |
| Net interest margin | 4.0188% | 1,665 |
| Noninterest income to average assets | 0.5075% | 2,760 |
| Noninterest expense to average assets | 2.1182% | 4,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.2387% | 231 |
| Return on assets (ROA) | 2.2226% | 237 |
| Pretax return on assets | 2.2226% | 363 |
| Return on Equity (ROE) | 23.5800% | 116 |
| Retained earnings to average equity (ytd only) | -44.4678% | 5,581 |
| Net charge-offs to loans | 0.2637% | 586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 12.8247% | 1,788 |
| Efficiency ratio | 48.6163% | 5,167 |
| Assets per employee ($millions) | 4.2957% | 3,497 |
| Cash dividends to net income (ytd only)* | 288.5830% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,534 |
| Loan loss allowance to noncurrent loans | 310.7084% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.8018% | 1,975 |
| Noncurrent loans to loans | 0.4014% | 3,343 |
| Net loans and leases to total assets | 66.8454% | 2,916 |
| Net loans and leases to deposits | 73.4910% | 3,465 |
| Net loans and leases to core deposits | 96.3951% | 1,949 |
| Total domestic deposits to total assets | 90.9574% | 336 |
| Equity capital to assets | 8.6438% | 4,864 |
| Core capital (leverage) ratio | 9.0844% | 4,584 |
| Tier 1 risk-based capital ratio | 12.4198% | 4,294 |
| Total risk-based capital ratio | 13.5720% | 4,258 |
| Memoranda: | ||
| Average total assets | $222,267,000 | 2,732 |
| Average earning assets | $212,901,000 | 2,662 |
| Average equity | $20,950,000 | 3,051 |
| Average total loans | $147,155,000 | 2,723 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 2,569 |
| Cost of funding earning assets | 0.3660% | 3,553 |
| Net interest margin | 3.8680% | 2,189 |
| Noninterest income to average assets | 0.5181% | 2,887 |
| Noninterest expense to average assets | 2.1016% | 4,761 |
| Loan and lease loss provision to assets | 0.0813% | 2,575 |
| Net operating income to assets | 2.0252% | 267 |
| Return on assets (ROA) | 2.1811% | 200 |
| Pretax return on assets | 2.1811% | 324 |
| Return on Equity (ROE) | 21.7427% | 132 |
| Retained earnings to average equity (ytd only) | 5.2905% | 1,943 |
| Net charge-offs to loans | 0.0451% | 2,884 |
| Credit loss provision to net charge-offs | 281.2500% | 1,000 |
| Earnings coverage of net charge-offs (x) | 72.8750% | 824 |
| Efficiency ratio | 49.9410% | 5,219 |
| Assets per employee ($millions) | 4.3365% | 3,433 |
| Cash dividends to net income (ytd only)* | 75.6678% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 1,820 |
| Loan loss allowance to noncurrent loans | 173.8596% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 1.0147% | 1,513 |
| Noncurrent loans to loans | 0.7966% | 2,219 |
| Net loans and leases to total assets | 63.8120% | 3,387 |
| Net loans and leases to deposits | 71.3832% | 3,752 |
| Net loans and leases to core deposits | 93.0137% | 2,285 |
| Total domestic deposits to total assets | 89.3936% | 824 |
| Equity capital to assets | 10.2153% | 3,478 |
| Core capital (leverage) ratio | 10.1973% | 3,193 |
| Tier 1 risk-based capital ratio | 14.4919% | 3,093 |
| Total risk-based capital ratio | 15.7418% | 3,016 |
| Memoranda: | ||
| Average total assets | $221,406,800 | 2,717 |
| Average earning assets | $211,218,000 | 2,649 |
| Average equity | $22,209,800 | 2,936 |
| Average total loans | $141,961,000 | 2,750 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2251% | 2,531 |
| Cost of funding earning assets | 0.3636% | 3,518 |
| Net interest margin | 3.8616% | 2,179 |
| Noninterest income to average assets | 0.4786% | 3,159 |
| Noninterest expense to average assets | 2.0818% | 4,773 |
| Loan and lease loss provision to assets | 0.1084% | 1,965 |
| Net operating income to assets | 1.9716% | 333 |
| Return on assets (ROA) | 2.1721% | 231 |
| Pretax return on assets | 2.1721% | 385 |
| Return on Equity (ROE) | 21.7532% | 146 |
| Retained earnings to average equity (ytd only) | -0.2773% | 5,251 |
| Net charge-offs to loans | 0.0216% | 3,038 |
| Credit loss provision to net charge-offs | 782.6087% | 440 |
| Earnings coverage of net charge-offs (x) | 150.1973% | 533 |
| Efficiency ratio | 50.0217% | 5,245 |
| Assets per employee ($millions) | 4.3417% | 3,405 |
| Cash dividends to net income (ytd only)* | 101.2749% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 1,711 |
| Loan loss allowance to noncurrent loans | 254.7859% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 1,637 |
| Noncurrent loans to loans | 0.5677% | 2,994 |
| Net loans and leases to total assets | 62.2538% | 3,622 |
| Net loans and leases to deposits | 69.4781% | 4,003 |
| Net loans and leases to core deposits | 90.4058% | 2,571 |
| Total domestic deposits to total assets | 89.6021% | 617 |
| Equity capital to assets | 9.9192% | 4,014 |
| Core capital (leverage) ratio | 9.7100% | 3,924 |
| Tier 1 risk-based capital ratio | 14.0821% | 3,404 |
| Total risk-based capital ratio | 15.3342% | 3,314 |
| Memoranda: | ||
| Average total assets | $221,468,750 | 2,738 |
| Average earning assets | $211,239,500 | 2,672 |
| Average equity | $22,114,250 | 2,963 |
| Average total loans | $141,674,250 | 2,779 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2363% | 2,337 |
| Cost of funding earning assets | 0.3587% | 3,495 |
| Net interest margin | 3.8776% | 2,011 |
| Noninterest income to average assets | 0.4930% | 3,063 |
| Noninterest expense to average assets | 2.1067% | 4,761 |
| Loan and lease loss provision to assets | 0.1084% | 1,880 |
| Net operating income to assets | 1.9677% | 325 |
| Return on assets (ROA) | 2.2738% | 187 |
| Pretax return on assets | 2.2738% | 313 |
| Return on Equity (ROE) | 22.7212% | 112 |
| Retained earnings to average equity (ytd only) | -1.4799% | 5,289 |
| Net charge-offs to loans | -0.0028% | 4,220 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3670% | 5,282 |
| Assets per employee ($millions) | 4.2955% | 3,443 |
| Cash dividends to net income (ytd only)* | 106.5131% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 2,032 |
| Loan loss allowance to noncurrent loans | 303.0488% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 1.0837% | 1,612 |
| Noncurrent loans to loans | 0.4555% | 3,379 |
| Net loans and leases to total assets | 64.8272% | 3,277 |
| Net loans and leases to deposits | 72.4932% | 3,686 |
| Net loans and leases to core deposits | 93.0978% | 2,239 |
| Total domestic deposits to total assets | 89.4253% | 750 |
| Equity capital to assets | 10.0813% | 3,817 |
| Core capital (leverage) ratio | 9.6872% | 3,905 |
| Tier 1 risk-based capital ratio | 13.9242% | 3,463 |
| Total risk-based capital ratio | 15.1750% | 3,384 |
| Memoranda: | ||
| Average total assets | $221,482,000 | 2,754 |
| Average earning assets | $210,749,670 | 2,691 |
| Average equity | $22,164,330 | 2,955 |
| Average total loans | $142,275,330 | 2,772 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2708% | 2,040 |
| Cost of funding earning assets | 0.3600% | 3,418 |
| Net interest margin | 3.9108% | 1,743 |
| Noninterest income to average assets | 0.5191% | 2,845 |
| Noninterest expense to average assets | 2.2399% | 4,558 |
| Loan and lease loss provision to assets | 0.1078% | 1,771 |
| Net operating income to assets | 1.8986% | 367 |
| Return on assets (ROA) | 1.9417% | 351 |
| Pretax return on assets | 1.9417% | 569 |
| Return on Equity (ROE) | 19.4740% | 254 |
| Retained earnings to average equity (ytd only) | 3.2607% | 3,804 |
| Net charge-offs to loans | 0.0141% | 2,518 |
| Credit loss provision to net charge-offs | 1,200.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 223.4000% | 251 |
| Efficiency ratio | 52.7496% | 5,230 |
| Assets per employee ($millions) | 4.2637% | 3,558 |
| Cash dividends to net income (ytd only)* | 83.2562% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 2,268 |
| Loan loss allowance to noncurrent loans | 555.2023% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.9395% | 1,958 |
| Noncurrent loans to loans | 0.2448% | 4,228 |
| Net loans and leases to total assets | 62.8740% | 3,414 |
| Net loans and leases to deposits | 70.2423% | 3,769 |
| Net loans and leases to core deposits | 90.3978% | 2,320 |
| Total domestic deposits to total assets | 89.5102% | 894 |
| Equity capital to assets | 10.0843% | 3,655 |
| Core capital (leverage) ratio | 9.6832% | 3,891 |
| Tier 1 risk-based capital ratio | 14.3299% | 3,298 |
| Total risk-based capital ratio | 15.5802% | 3,214 |
| Memoranda: | ||
| Average total assets | $222,688,000 | 2,769 |
| Average earning assets | $212,231,000 | 2,708 |
| Average equity | $22,204,000 | 2,967 |
| Average total loans | $141,410,500 | 2,798 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 2,442 |
| Cost of funding earning assets | 0.3706% | 3,310 |
| Net interest margin | 3.8433% | 2,161 |
| Noninterest income to average assets | 0.4371% | 3,637 |
| Noninterest expense to average assets | 2.0787% | 5,037 |
| Loan and lease loss provision to assets | 0.1176% | 2,104 |
| Net operating income to assets | 1.9104% | 372 |
| Return on assets (ROA) | 2.1204% | 264 |
| Pretax return on assets | 2.1204% | 381 |
| Return on Equity (ROE) | 20.7474% | 189 |
| Retained earnings to average equity (ytd only) | 4.9677% | 2,363 |
| Net charge-offs to loans | 0.1334% | 1,912 |
| Credit loss provision to net charge-offs | 139.7849% | 1,953 |
| Earnings coverage of net charge-offs (x) | 24.0968% | 1,653 |
| Efficiency ratio | 50.6170% | 5,458 |
| Assets per employee ($millions) | 4.3013% | 3,432 |
| Cash dividends to net income (ytd only)* | 76.0563% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 2,438 |
| Loan loss allowance to noncurrent loans | 531.6239% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.9697% | 1,953 |
| Noncurrent loans to loans | 0.2481% | 4,268 |
| Net loans and leases to total assets | 62.4306% | 3,558 |
| Net loans and leases to deposits | 69.5520% | 3,950 |
| Net loans and leases to core deposits | 90.1238% | 2,491 |
| Total domestic deposits to total assets | 89.7611% | 743 |
| Equity capital to assets | 9.8584% | 3,868 |
| Core capital (leverage) ratio | 9.6830% | 3,877 |
| Tier 1 risk-based capital ratio | 14.3282% | 3,267 |
| Total risk-based capital ratio | 15.5728% | 3,197 |
| Memoranda: | ||
| Average total assets | $221,000,600 | 2,753 |
| Average earning assets | $211,016,600 | 2,690 |
| Average equity | $22,586,000 | 2,936 |
| Average total loans | $139,413,200 | 2,789 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 2,486 |
| Cost of funding earning assets | 0.3730% | 3,302 |
| Net interest margin | 3.8354% | 2,208 |
| Noninterest income to average assets | 0.5059% | 3,206 |
| Noninterest expense to average assets | 2.1101% | 4,994 |
| Loan and lease loss provision to assets | 0.1180% | 1,962 |
| Net operating income to assets | 1.9431% | 374 |
| Return on assets (ROA) | 2.2142% | 251 |
| Pretax return on assets | 2.2142% | 373 |
| Return on Equity (ROE) | 21.4724% | 174 |
| Retained earnings to average equity (ytd only) | 0.5575% | 5,217 |
| Net charge-offs to loans | 0.1824% | 1,280 |
| Credit loss provision to net charge-offs | 102.6316% | 2,305 |
| Earnings coverage of net charge-offs (x) | 17.9261% | 2,028 |
| Efficiency ratio | 50.5876% | 5,461 |
| Assets per employee ($millions) | 4.3433% | 3,344 |
| Cash dividends to net income (ytd only)* | 97.4037% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 2,838 |
| Loan loss allowance to noncurrent loans | 565.4088% | 950 |
| Noncurrent assets plus other real estate owned to assets | 1.0308% | 2,001 |
| Noncurrent loans to loans | 0.2247% | 4,467 |
| Net loans and leases to total assets | 61.8567% | 3,653 |
| Net loans and leases to deposits | 69.1385% | 4,049 |
| Net loans and leases to core deposits | 92.7028% | 2,314 |
| Total domestic deposits to total assets | 89.4678% | 683 |
| Equity capital to assets | 10.0456% | 4,088 |
| Core capital (leverage) ratio | 9.2255% | 4,553 |
| Tier 1 risk-based capital ratio | 13.7675% | 3,689 |
| Total risk-based capital ratio | 14.9776% | 3,639 |
| Memoranda: | ||
| Average total assets | $220,334,250 | 2,766 |
| Average earning assets | $210,558,750 | 2,699 |
| Average equity | $22,720,000 | 2,944 |
| Average total loans | $138,891,000 | 2,801 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 2,354 |
| Cost of funding earning assets | 0.3765% | 3,286 |
| Net interest margin | 3.8668% | 2,099 |
| Noninterest income to average assets | 0.4989% | 3,202 |
| Noninterest expense to average assets | 2.1465% | 4,962 |
| Loan and lease loss provision to assets | 0.1190% | 1,915 |
| Net operating income to assets | 1.9277% | 379 |
| Return on assets (ROA) | 2.2966% | 209 |
| Pretax return on assets | 2.2966% | 307 |
| Return on Equity (ROE) | 22.0759% | 153 |
| Retained earnings to average equity (ytd only) | -1.4430% | 5,484 |
| Net charge-offs to loans | 0.2797% | 852 |
| Credit loss provision to net charge-offs | 67.3575% | 2,502 |
| Earnings coverage of net charge-offs (x) | 11.5855% | 2,249 |
| Efficiency ratio | 51.1897% | 5,489 |
| Assets per employee ($millions) | 4.2305% | 3,502 |
| Cash dividends to net income (ytd only)* | 106.5365% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 3,170 |
| Loan loss allowance to noncurrent loans | 631.0219% | 870 |
| Noncurrent assets plus other real estate owned to assets | 1.0569% | 2,009 |
| Noncurrent loans to loans | 0.1954% | 4,656 |
| Net loans and leases to total assets | 62.9648% | 3,505 |
| Net loans and leases to deposits | 70.4606% | 3,943 |
| Net loans and leases to core deposits | 98.2801% | 1,784 |
| Total domestic deposits to total assets | 89.3617% | 737 |
| Equity capital to assets | 10.2319% | 3,936 |
| Core capital (leverage) ratio | 9.2703% | 4,496 |
| Tier 1 risk-based capital ratio | 13.6964% | 3,773 |
| Total risk-based capital ratio | 14.8689% | 3,749 |
| Memoranda: | ||
| Average total assets | $218,495,330 | 2,784 |
| Average earning assets | $208,751,330 | 2,724 |
| Average equity | $22,730,670 | 2,949 |
| Average total loans | $138,020,670 | 2,821 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 2,264 |
| Cost of funding earning assets | 0.3834% | 3,263 |
| Net interest margin | 3.8787% | 2,000 |
| Noninterest income to average assets | 0.5419% | 2,858 |
| Noninterest expense to average assets | 2.3256% | 4,589 |
| Loan and lease loss provision to assets | 0.1194% | 1,766 |
| Net operating income to assets | 1.7947% | 475 |
| Return on assets (ROA) | 2.0482% | 320 |
| Pretax return on assets | 2.0482% | 514 |
| Return on Equity (ROE) | 19.5259% | 268 |
| Retained earnings to average equity (ytd only) | 3.9227% | 3,533 |
| Net charge-offs to loans | -0.0117% | 4,594 |
| Credit loss provision to net charge-offs | -1,625.0000% | 4,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8527% | 5,295 |
| Assets per employee ($millions) | 4.1801% | 3,620 |
| Cash dividends to net income (ytd only)* | 79.9103% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 2,646 |
| Loan loss allowance to noncurrent loans | 295.0872% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 1.3273% | 1,609 |
| Noncurrent loans to loans | 0.4579% | 3,808 |
| Net loans and leases to total assets | 62.5451% | 3,448 |
| Net loans and leases to deposits | 70.2824% | 3,835 |
| Net loans and leases to core deposits | 98.6153% | 1,592 |
| Total domestic deposits to total assets | 88.9912% | 1,102 |
| Equity capital to assets | 10.6145% | 3,352 |
| Core capital (leverage) ratio | 9.4886% | 4,214 |
| Tier 1 risk-based capital ratio | 14.4175% | 3,436 |
| Total risk-based capital ratio | 15.6677% | 3,372 |
| Memoranda: | ||
| Average total assets | $217,749,000 | 2,803 |
| Average earning assets | $207,593,000 | 2,746 |
| Average equity | $22,841,500 | 2,944 |
| Average total loans | $136,909,000 | 2,839 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 2,275 |
| Cost of funding earning assets | 0.4087% | 3,064 |
| Net interest margin | 3.8735% | 2,120 |
| Noninterest income to average assets | 0.8627% | 1,560 |
| Noninterest expense to average assets | 2.1271% | 5,197 |
| Loan and lease loss provision to assets | 0.2044% | 1,044 |
| Net operating income to assets | 2.2213% | 243 |
| Return on assets (ROA) | 2.2983% | 212 |
| Pretax return on assets | 2.2983% | 293 |
| Return on Equity (ROE) | 22.1702% | 166 |
| Retained earnings to average equity (ytd only) | 5.7867% | 1,904 |
| Net charge-offs to loans | 0.2097% | 1,402 |
| Credit loss provision to net charge-offs | 159.2593% | 1,688 |
| Earnings coverage of net charge-offs (x) | 18.9000% | 1,982 |
| Efficiency ratio | 46.7217% | 5,889 |
| Assets per employee ($millions) | 4.2772% | 3,438 |
| Cash dividends to net income (ytd only)* | 73.8987% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 2,803 |
| Loan loss allowance to noncurrent loans | 133.1106% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.3038% | 1,630 |
| Noncurrent loans to loans | 0.9904% | 2,357 |
| Net loans and leases to total assets | 61.5275% | 3,623 |
| Net loans and leases to deposits | 68.9502% | 4,031 |
| Net loans and leases to core deposits | 98.3051% | 1,646 |
| Total domestic deposits to total assets | 89.2346% | 1,005 |
| Equity capital to assets | 10.3656% | 3,549 |
| Core capital (leverage) ratio | 9.5180% | 4,148 |
| Tier 1 risk-based capital ratio | 14.3364% | 3,533 |
| Total risk-based capital ratio | 15.5863% | 3,442 |
| Memoranda: | ||
| Average total assets | $210,376,400 | 2,843 |
| Average earning assets | $200,415,200 | 2,772 |
| Average equity | $21,808,600 | 2,995 |
| Average total loans | $128,766,800 | 2,906 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 2,244 |
| Cost of funding earning assets | 0.4124% | 3,092 |
| Net interest margin | 3.8838% | 2,088 |
| Noninterest income to average assets | 0.9614% | 1,285 |
| Noninterest expense to average assets | 2.1346% | 5,204 |
| Loan and lease loss provision to assets | 0.2463% | 700 |
| Net operating income to assets | 2.2791% | 225 |
| Return on assets (ROA) | 2.3284% | 215 |
| Pretax return on assets | 2.3284% | 324 |
| Return on Equity (ROE) | 22.4602% | 179 |
| Retained earnings to average equity (ytd only) | 0.4134% | 5,500 |
| Net charge-offs to loans | 0.0473% | 2,947 |
| Credit loss provision to net charge-offs | 855.5556% | 421 |
| Earnings coverage of net charge-offs (x) | 87.7312% | 703 |
| Efficiency ratio | 45.8065% | 5,971 |
| Assets per employee ($millions) | 4.4678% | 3,070 |
| Cash dividends to net income (ytd only)* | 98.1594% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 2,335 |
| Loan loss allowance to noncurrent loans | 352.3214% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 2,343 |
| Noncurrent loans to loans | 0.4140% | 4,123 |
| Net loans and leases to total assets | 62.1598% | 3,582 |
| Net loans and leases to deposits | 69.4243% | 4,050 |
| Net loans and leases to core deposits | 100.1698% | 1,496 |
| Total domestic deposits to total assets | 89.5361% | 757 |
| Equity capital to assets | 10.0069% | 4,137 |
| Core capital (leverage) ratio | 9.1088% | 4,865 |
| Tier 1 risk-based capital ratio | 13.6290% | 4,065 |
| Total risk-based capital ratio | 14.8805% | 3,993 |
| Memoranda: | ||
| Average total assets | $208,436,750 | 2,892 |
| Average earning assets | $198,497,250 | 2,818 |
| Average equity | $21,608,000 | 3,028 |
| Average total loans | $126,957,000 | 2,959 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 2,156 |
| Cost of funding earning assets | 0.4175% | 3,062 |
| Net interest margin | 3.8857% | 2,033 |
| Noninterest income to average assets | 1.1471% | 909 |
| Noninterest expense to average assets | 2.1373% | 5,255 |
| Loan and lease loss provision to assets | 0.3294% | 421 |
| Net operating income to assets | 2.3775% | 201 |
| Return on assets (ROA) | 2.3911% | 207 |
| Pretax return on assets | 2.3911% | 292 |
| Return on Equity (ROE) | 22.7914% | 167 |
| Retained earnings to average equity (ytd only) | -1.9762% | 5,824 |
| Net charge-offs to loans | 0.0225% | 3,210 |
| Credit loss provision to net charge-offs | 2,428.5714% | 165 |
| Earnings coverage of net charge-offs (x) | 199.5714% | 350 |
| Efficiency ratio | 44.1200% | 6,109 |
| Assets per employee ($millions) | 4.2678% | 3,362 |
| Cash dividends to net income (ytd only)* | 108.6710% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 2,300 |
| Loan loss allowance to noncurrent loans | 209.4118% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6982% | 3,305 |
| Noncurrent loans to loans | 0.7159% | 3,342 |
| Net loans and leases to total assets | 61.5144% | 3,622 |
| Net loans and leases to deposits | 68.6543% | 4,067 |
| Net loans and leases to core deposits | 96.1931% | 1,779 |
| Total domestic deposits to total assets | 89.6002% | 843 |
| Equity capital to assets | 9.9890% | 4,055 |
| Core capital (leverage) ratio | 8.9878% | 4,988 |
| Tier 1 risk-based capital ratio | 14.0830% | 3,873 |
| Total risk-based capital ratio | 15.3359% | 3,802 |
| Memoranda: | ||
| Average total assets | $206,431,670 | 2,932 |
| Average earning assets | $196,411,330 | 2,856 |
| Average equity | $21,657,330 | 3,037 |
| Average total loans | $124,184,000 | 3,015 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2721% | 2,187 |
| Cost of funding earning assets | 0.4200% | 3,077 |
| Net interest margin | 3.8521% | 2,057 |
| Noninterest income to average assets | 0.6670% | 2,325 |
| Noninterest expense to average assets | 2.1181% | 5,341 |
| Loan and lease loss provision to assets | 0.0878% | 2,227 |
| Net operating income to assets | 2.1279% | 267 |
| Return on assets (ROA) | 2.1454% | 273 |
| Pretax return on assets | 2.1454% | 440 |
| Return on Equity (ROE) | 19.9623% | 268 |
| Retained earnings to average equity (ytd only) | 3.7928% | 3,732 |
| Net charge-offs to loans | 0.0628% | 2,120 |
| Credit loss provision to net charge-offs | 236.8421% | 947 |
| Earnings coverage of net charge-offs (x) | 59.7895% | 739 |
| Efficiency ratio | 48.8749% | 5,980 |
| Assets per employee ($millions) | 4.2772% | 3,418 |
| Cash dividends to net income (ytd only)* | 81.0000% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 3,143 |
| Loan loss allowance to noncurrent loans | 356.5591% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.7887% | 3,138 |
| Noncurrent loans to loans | 0.3788% | 4,456 |
| Net loans and leases to total assets | 57.7877% | 3,980 |
| Net loans and leases to deposits | 64.9913% | 4,270 |
| Net loans and leases to core deposits | 91.7182% | 1,971 |
| Total domestic deposits to total assets | 88.9160% | 1,324 |
| Equity capital to assets | 10.6913% | 3,326 |
| Core capital (leverage) ratio | 9.3893% | 4,448 |
| Tier 1 risk-based capital ratio | 15.3273% | 3,248 |
| Total risk-based capital ratio | 16.5776% | 3,175 |
| Memoranda: | ||
| Average total assets | $205,087,500 | 2,958 |
| Average earning assets | $195,220,500 | 2,890 |
| Average equity | $22,041,500 | 3,015 |
| Average total loans | $120,977,500 | 3,081 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 2,298 |
| Cost of funding earning assets | 0.4468% | 3,200 |
| Net interest margin | 3.9288% | 2,122 |
| Noninterest income to average assets | 0.5900% | 2,916 |
| Noninterest expense to average assets | 2.1093% | 5,552 |
| Loan and lease loss provision to assets | 0.1215% | 2,154 |
| Net operating income to assets | 2.0865% | 282 |
| Return on assets (ROA) | 2.1929% | 227 |
| Pretax return on assets | 2.1929% | 323 |
| Return on Equity (ROE) | 22.0540% | 174 |
| Retained earnings to average equity (ytd only) | 4.7266% | 2,814 |
| Net charge-offs to loans | 0.2298% | 1,827 |
| Credit loss provision to net charge-offs | 91.6031% | 2,612 |
| Earnings coverage of net charge-offs (x) | 16.6412% | 1,997 |
| Efficiency ratio | 52.6686% | 5,935 |
| Assets per employee ($millions) | 4.0938% | 3,731 |
| Cash dividends to net income (ytd only)* | 78.5681% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 3,088 |
| Loan loss allowance to noncurrent loans | 395.1574% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.8006% | 3,206 |
| Noncurrent loans to loans | 0.3465% | 4,618 |
| Net loans and leases to total assets | 58.6025% | 3,980 |
| Net loans and leases to deposits | 65.9965% | 4,327 |
| Net loans and leases to core deposits | 92.9964% | 1,991 |
| Total domestic deposits to total assets | 88.7963% | 1,358 |
| Equity capital to assets | 10.8059% | 3,109 |
| Core capital (leverage) ratio | 9.5243% | 4,209 |
| Tier 1 risk-based capital ratio | 15.2384% | 3,356 |
| Total risk-based capital ratio | 16.4894% | 3,305 |
| Memoranda: | ||
| Average total assets | $197,456,400 | 3,027 |
| Average earning assets | $187,334,200 | 2,946 |
| Average equity | $19,633,600 | 3,199 |
| Average total loans | $114,027,600 | 3,141 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 2,295 |
| Cost of funding earning assets | 0.4517% | 3,230 |
| Net interest margin | 3.9274% | 2,129 |
| Noninterest income to average assets | 0.5864% | 2,955 |
| Noninterest expense to average assets | 2.0867% | 5,605 |
| Loan and lease loss provision to assets | 0.1220% | 2,046 |
| Net operating income to assets | 2.1029% | 281 |
| Return on assets (ROA) | 2.2616% | 211 |
| Pretax return on assets | 2.2616% | 322 |
| Return on Equity (ROE) | 23.2594% | 147 |
| Retained earnings to average equity (ytd only) | -0.4602% | 5,868 |
| Net charge-offs to loans | 0.2590% | 1,503 |
| Credit loss provision to net charge-offs | 82.1918% | 2,555 |
| Earnings coverage of net charge-offs (x) | 14.9864% | 2,092 |
| Efficiency ratio | 53.5063% | 5,875 |
| Assets per employee ($millions) | 4.0342% | 3,802 |
| Cash dividends to net income (ytd only)* | 101.9785% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 3,207 |
| Loan loss allowance to noncurrent loans | 278.9292% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 3,203 |
| Noncurrent loans to loans | 0.4997% | 4,427 |
| Net loans and leases to total assets | 57.8024% | 4,104 |
| Net loans and leases to deposits | 64.5300% | 4,480 |
| Net loans and leases to core deposits | 91.1973% | 2,096 |
| Total domestic deposits to total assets | 89.5744% | 949 |
| Equity capital to assets | 10.1079% | 4,040 |
| Core capital (leverage) ratio | 9.0538% | 4,994 |
| Tier 1 risk-based capital ratio | 14.7412% | 3,740 |
| Total risk-based capital ratio | 15.9918% | 3,682 |
| Memoranda: | ||
| Average total assets | $196,672,000 | 3,054 |
| Average earning assets | $186,546,750 | 2,976 |
| Average equity | $19,123,000 | 3,282 |
| Average total loans | $112,738,250 | 3,186 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 2,295 |
| Cost of funding earning assets | 0.4549% | 3,271 |
| Net interest margin | 3.9146% | 2,100 |
| Noninterest income to average assets | 0.5511% | 3,112 |
| Noninterest expense to average assets | 2.0078% | 5,828 |
| Loan and lease loss provision to assets | 0.0204% | 3,863 |
| Net operating income to assets | 2.2309% | 217 |
| Return on assets (ROA) | 2.2635% | 213 |
| Pretax return on assets | 2.2635% | 322 |
| Return on Equity (ROE) | 23.5919% | 150 |
| Retained earnings to average equity (ytd only) | -3.9284% | 6,170 |
| Net charge-offs to loans | 0.3832% | 1,050 |
| Credit loss provision to net charge-offs | 9.3458% | 3,310 |
| Earnings coverage of net charge-offs (x) | 10.3271% | 2,262 |
| Efficiency ratio | 54.9151% | 5,835 |
| Assets per employee ($millions) | 4.1015% | 3,641 |
| Cash dividends to net income (ytd only)* | 116.6517% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 3,955 |
| Loan loss allowance to noncurrent loans | 373.4015% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7986% | 3,573 |
| Noncurrent loans to loans | 0.3433% | 4,980 |
| Net loans and leases to total assets | 55.9498% | 4,294 |
| Net loans and leases to deposits | 62.0634% | 4,689 |
| Net loans and leases to core deposits | 88.0009% | 2,319 |
| Total domestic deposits to total assets | 90.1494% | 737 |
| Equity capital to assets | 9.5714% | 4,660 |
| Core capital (leverage) ratio | 9.0222% | 4,988 |
| Tier 1 risk-based capital ratio | 14.5501% | 3,895 |
| Total risk-based capital ratio | 15.7435% | 3,874 |
| Memoranda: | ||
| Average total assets | $196,337,000 | 3,077 |
| Average earning assets | $185,970,000 | 3,002 |
| Average equity | $18,837,000 | 3,307 |
| Average total loans | $111,692,000 | 3,205 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3652% | 2,280 |
| Cost of funding earning assets | 0.4642% | 3,273 |
| Net interest margin | 3.9010% | 2,085 |
| Noninterest income to average assets | 0.6082% | 2,689 |
| Noninterest expense to average assets | 1.7070% | 6,342 |
| Loan and lease loss provision to assets | 0.0227% | 3,533 |
| Net operating income to assets | 2.5688% | 139 |
| Return on assets (ROA) | 2.6059% | 142 |
| Pretax return on assets | 2.6059% | 197 |
| Return on Equity (ROE) | 27.1281% | 93 |
| Retained earnings to average equity (ytd only) | 6.2669% | 2,395 |
| Net charge-offs to loans | 0.3038% | 1,153 |
| Credit loss provision to net charge-offs | 13.0952% | 2,580 |
| Earnings coverage of net charge-offs (x) | 14.9643% | 1,575 |
| Efficiency ratio | 55.2998% | 5,900 |
| Assets per employee ($millions) | 4.0253% | 3,901 |
| Cash dividends to net income (ytd only)* | 76.8987% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 3,538 |
| Loan loss allowance to noncurrent loans | 74.1905% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 1.7177% | 2,054 |
| Noncurrent loans to loans | 1.9045% | 1,988 |
| Net loans and leases to total assets | 55.9268% | 4,150 |
| Net loans and leases to deposits | 62.1433% | 4,525 |
| Net loans and leases to core deposits | 88.7771% | 2,019 |
| Total domestic deposits to total assets | 89.9965% | 1,078 |
| Equity capital to assets | 9.7313% | 4,193 |
| Core capital (leverage) ratio | 9.5150% | 4,257 |
| Tier 1 risk-based capital ratio | 14.4215% | 4,050 |
| Total risk-based capital ratio | 15.6565% | 4,020 |
| Memoranda: | ||
| Average total assets | $194,019,000 | 3,120 |
| Average earning assets | $183,543,000 | 3,054 |
| Average equity | $18,637,500 | 3,333 |
| Average total loans | $110,586,000 | 3,252 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 2,872 |
| Cost of funding earning assets | 0.4900% | 3,710 |
| Net interest margin | 3.8327% | 2,527 |
| Noninterest income to average assets | 0.8512% | 1,863 |
| Noninterest expense to average assets | 2.1104% | 5,810 |
| Loan and lease loss provision to assets | 0.0408% | 4,302 |
| Net operating income to assets | 2.3468% | 202 |
| Return on assets (ROA) | 2.2774% | 221 |
| Pretax return on assets | 2.2774% | 276 |
| Return on Equity (ROE) | 22.8875% | 183 |
| Retained earnings to average equity (ytd only) | -7.3435% | 6,477 |
| Net charge-offs to loans | 0.0720% | 4,197 |
| Credit loss provision to net charge-offs | 101.2658% | 2,383 |
| Earnings coverage of net charge-offs (x) | 59.1899% | 695 |
| Efficiency ratio | 46.9179% | 6,524 |
| Assets per employee ($millions) | 4.2400% | 3,378 |
| Cash dividends to net income (ytd only)* | 132.0852% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 3,124 |
| Loan loss allowance to noncurrent loans | 132.4259% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 1.3124% | 2,800 |
| Noncurrent loans to loans | 1.1429% | 3,256 |
| Net loans and leases to total assets | 56.4089% | 4,256 |
| Net loans and leases to deposits | 62.4837% | 4,675 |
| Net loans and leases to core deposits | 85.9689% | 2,450 |
| Total domestic deposits to total assets | 90.2777% | 925 |
| Equity capital to assets | 9.4765% | 4,457 |
| Core capital (leverage) ratio | 9.3339% | 4,500 |
| Tier 1 risk-based capital ratio | 14.9413% | 3,705 |
| Total risk-based capital ratio | 16.1929% | 3,650 |
| Memoranda: | ||
| Average total assets | $195,839,400 | 3,072 |
| Average earning assets | $186,345,400 | 3,008 |
| Average equity | $19,486,600 | 3,211 |
| Average total loans | $109,695,200 | 3,250 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2593% | 3,157 |
| Cost of funding earning assets | 0.4947% | 3,819 |
| Net interest margin | 3.7645% | 2,785 |
| Noninterest income to average assets | 0.9335% | 1,655 |
| Noninterest expense to average assets | 2.0625% | 5,901 |
| Loan and lease loss provision to assets | 0.0406% | 4,196 |
| Net operating income to assets | 2.4183% | 187 |
| Return on assets (ROA) | 2.5043% | 180 |
| Pretax return on assets | 2.5043% | 243 |
| Return on Equity (ROE) | 24.8809% | 121 |
| Retained earnings to average equity (ytd only) | -14.7121% | 6,702 |
| Net charge-offs to loans | 0.0777% | 3,834 |
| Credit loss provision to net charge-offs | 93.7500% | 2,536 |
| Earnings coverage of net charge-offs (x) | 56.7977% | 789 |
| Efficiency ratio | 45.6164% | 6,606 |
| Assets per employee ($millions) | 4.4230% | 3,010 |
| Cash dividends to net income (ytd only)* | 159.1301% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 3,592 |
| Loan loss allowance to noncurrent loans | 128.3268% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.2490% | 3,143 |
| Noncurrent loans to loans | 1.1453% | 3,517 |
| Net loans and leases to total assets | 55.5438% | 4,386 |
| Net loans and leases to deposits | 61.0755% | 4,861 |
| Net loans and leases to core deposits | 82.9800% | 2,764 |
| Total domestic deposits to total assets | 90.9428% | 562 |
| Equity capital to assets | 8.7478% | 5,471 |
| Core capital (leverage) ratio | 8.9139% | 5,249 |
| Tier 1 risk-based capital ratio | 13.4187% | 4,818 |
| Total risk-based capital ratio | 14.6695% | 4,761 |
| Memoranda: | ||
| Average total assets | $197,099,750 | 3,089 |
| Average earning assets | $187,853,000 | 3,011 |
| Average equity | $19,838,000 | 3,208 |
| Average total loans | $109,798,750 | 3,274 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 3,229 |
| Cost of funding earning assets | 0.5086% | 3,818 |
| Net interest margin | 3.7235% | 2,873 |
| Noninterest income to average assets | 0.9509% | 1,652 |
| Noninterest expense to average assets | 2.0911% | 5,884 |
| Loan and lease loss provision to assets | 0.0407% | 4,140 |
| Net operating income to assets | 2.3670% | 197 |
| Return on assets (ROA) | 2.4789% | 190 |
| Pretax return on assets | 2.4789% | 281 |
| Return on Equity (ROE) | 23.5870% | 153 |
| Retained earnings to average equity (ytd only) | -20.1385% | 6,803 |
| Net charge-offs to loans | -0.0459% | 6,233 |
| Credit loss provision to net charge-offs | -160.0000% | 5,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4811% | 6,616 |
| Assets per employee ($millions) | 4.3771% | 3,040 |
| Cash dividends to net income (ytd only)* | 185.3799% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 3,314 |
| Loan loss allowance to noncurrent loans | 143.7657% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.7317% | 2,512 |
| Noncurrent loans to loans | 1.0849% | 3,761 |
| Net loans and leases to total assets | 55.0472% | 4,444 |
| Net loans and leases to deposits | 60.8429% | 4,882 |
| Net loans and leases to core deposits | 83.5506% | 2,618 |
| Total domestic deposits to total assets | 90.4742% | 773 |
| Equity capital to assets | 9.2927% | 4,867 |
| Core capital (leverage) ratio | 8.8391% | 5,233 |
| Tier 1 risk-based capital ratio | 13.7872% | 4,578 |
| Total risk-based capital ratio | 15.0383% | 4,544 |
| Memoranda: | ||
| Average total assets | $196,455,000 | 3,110 |
| Average earning assets | $187,189,000 | 3,030 |
| Average equity | $20,647,000 | 3,135 |
| Average total loans | $108,998,330 | 3,297 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2488% | 3,116 |
| Cost of funding earning assets | 0.5319% | 3,754 |
| Net interest margin | 3.7169% | 2,786 |
| Noninterest income to average assets | 1.0907% | 1,240 |
| Noninterest expense to average assets | 2.0592% | 5,988 |
| Loan and lease loss provision to assets | 0.0408% | 3,917 |
| Net operating income to assets | 2.5383% | 153 |
| Return on assets (ROA) | 2.5607% | 158 |
| Pretax return on assets | 2.5607% | 250 |
| Return on Equity (ROE) | 23.0263% | 164 |
| Retained earnings to average equity (ytd only) | -24.0896% | 6,871 |
| Net charge-offs to loans | -0.0148% | 5,585 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3956% | 6,758 |
| Assets per employee ($millions) | 4.5011% | 2,974 |
| Cash dividends to net income (ytd only)* | 204.6178% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 3,587 |
| Loan loss allowance to noncurrent loans | 94.3725% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 2.0960% | 2,237 |
| Noncurrent loans to loans | 1.6493% | 3,068 |
| Net loans and leases to total assets | 53.5567% | 4,481 |
| Net loans and leases to deposits | 60.0765% | 4,787 |
| Net loans and leases to core deposits | 82.7241% | 2,478 |
| Total domestic deposits to total assets | 89.1476% | 1,599 |
| Equity capital to assets | 10.6510% | 3,380 |
| Core capital (leverage) ratio | 9.3264% | 4,358 |
| Tier 1 risk-based capital ratio | 14.9059% | 3,910 |
| Total risk-based capital ratio | 16.1163% | 3,891 |
| Memoranda: | ||
| Average total assets | $196,197,000 | 3,138 |
| Average earning assets | $187,252,000 | 3,053 |
| Average equity | $21,818,500 | 3,048 |
| Average total loans | $108,425,000 | 3,324 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 3,534 |
| Cost of funding earning assets | 0.7575% | 3,034 |
| Net interest margin | 3.7103% | 3,605 |
| Noninterest income to average assets | 1.0015% | 1,527 |
| Noninterest expense to average assets | 2.0760% | 6,174 |
| Loan and lease loss provision to assets | 0.0612% | 5,009 |
| Net operating income to assets | 2.3937% | 180 |
| Return on assets (ROA) | 2.4075% | 191 |
| Pretax return on assets | 2.4075% | 289 |
| Return on Equity (ROE) | 22.3653% | 202 |
| Retained earnings to average equity (ytd only) | 8.6979% | 911 |
| Net charge-offs to loans | -0.0092% | 6,452 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3973% | 6,887 |
| Assets per employee ($millions) | 4.4170% | 3,116 |
| Cash dividends to net income (ytd only)* | 61.1099% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 3,685 |
| Loan loss allowance to noncurrent loans | 100.2426% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 2.0541% | 2,387 |
| Noncurrent loans to loans | 1.5114% | 3,337 |
| Net loans and leases to total assets | 55.2890% | 4,407 |
| Net loans and leases to deposits | 62.8514% | 4,675 |
| Net loans and leases to core deposits | 89.3535% | 1,917 |
| Total domestic deposits to total assets | 87.9679% | 2,258 |
| Equity capital to assets | 11.5994% | 2,349 |
| Core capital (leverage) ratio | 9.9159% | 3,521 |
| Tier 1 risk-based capital ratio | 16.5239% | 2,870 |
| Total risk-based capital ratio | 17.7758% | 2,851 |
| Memoranda: | ||
| Average total assets | $196,099,000 | 3,094 |
| Average earning assets | $186,534,600 | 3,009 |
| Average equity | $21,108,600 | 3,082 |
| Average total loans | $108,192,400 | 3,330 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 3,663 |
| Cost of funding earning assets | 0.7891% | 3,035 |
| Net interest margin | 3.7049% | 3,779 |
| Noninterest income to average assets | 0.9694% | 1,599 |
| Noninterest expense to average assets | 1.8995% | 6,524 |
| Loan and lease loss provision to assets | 0.0611% | 4,953 |
| Net operating income to assets | 2.5318% | 162 |
| Return on assets (ROA) | 2.5501% | 170 |
| Pretax return on assets | 2.5501% | 268 |
| Return on Equity (ROE) | 24.1536% | 161 |
| Retained earnings to average equity (ytd only) | 5.6159% | 2,947 |
| Net charge-offs to loans | -0.0198% | 6,491 |
| Credit loss provision to net charge-offs | -562.5000% | 6,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3168% | 6,986 |
| Assets per employee ($millions) | 4.5267% | 2,867 |
| Cash dividends to net income (ytd only)* | 76.7492% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 3,878 |
| Loan loss allowance to noncurrent loans | 94.5444% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 2.1243% | 2,521 |
| Noncurrent loans to loans | 1.6054% | 3,382 |
| Net loans and leases to total assets | 53.0679% | 4,903 |
| Net loans and leases to deposits | 59.9125% | 5,220 |
| Net loans and leases to core deposits | 84.1282% | 2,674 |
| Total domestic deposits to total assets | 88.5758% | 1,679 |
| Equity capital to assets | 10.8951% | 3,385 |
| Core capital (leverage) ratio | 9.4220% | 4,388 |
| Tier 1 risk-based capital ratio | 15.7710% | 3,391 |
| Total risk-based capital ratio | 17.0225% | 3,358 |
| Memoranda: | ||
| Average total assets | $196,537,250 | 3,119 |
| Average earning assets | $186,885,000 | 3,026 |
| Average equity | $20,750,000 | 3,141 |
| Average total loans | $107,964,250 | 3,368 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 3,364 |
| Cost of funding earning assets | 0.8299% | 2,950 |
| Net interest margin | 3.7695% | 3,498 |
| Noninterest income to average assets | 0.9854% | 1,501 |
| Noninterest expense to average assets | 1.9197% | 6,564 |
| Loan and lease loss provision to assets | 0.0613% | 4,882 |
| Net operating income to assets | 2.5841% | 154 |
| Return on assets (ROA) | 2.6096% | 163 |
| Pretax return on assets | 2.6096% | 257 |
| Return on Equity (ROE) | 24.9886% | 148 |
| Retained earnings to average equity (ytd only) | 6.1468% | 2,614 |
| Net charge-offs to loans | -0.0333% | 6,560 |
| Credit loss provision to net charge-offs | -333.3333% | 6,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6180% | 7,054 |
| Assets per employee ($millions) | 4.3083% | 3,245 |
| Cash dividends to net income (ytd only)* | 75.4015% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 3,979 |
| Loan loss allowance to noncurrent loans | 100.9458% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 2.2061% | 2,536 |
| Noncurrent loans to loans | 1.4921% | 3,668 |
| Net loans and leases to total assets | 53.9982% | 4,804 |
| Net loans and leases to deposits | 60.9135% | 5,152 |
| Net loans and leases to core deposits | 85.8156% | 2,454 |
| Total domestic deposits to total assets | 88.6473% | 1,741 |
| Equity capital to assets | 10.8848% | 3,246 |
| Core capital (leverage) ratio | 9.3752% | 4,330 |
| Tier 1 risk-based capital ratio | 15.6394% | 3,366 |
| Total risk-based capital ratio | 16.8910% | 3,327 |
| Memoranda: | ||
| Average total assets | $195,658,670 | 3,142 |
| Average earning assets | $185,805,330 | 3,045 |
| Average equity | $20,433,330 | 3,174 |
| Average total loans | $108,177,000 | 3,375 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 3,466 |
| Cost of funding earning assets | 0.8697% | 2,920 |
| Net interest margin | 3.7380% | 3,651 |
| Noninterest income to average assets | 0.8690% | 1,873 |
| Noninterest expense to average assets | 1.7990% | 6,793 |
| Loan and lease loss provision to assets | 0.0611% | 4,653 |
| Net operating income to assets | 2.5602% | 168 |
| Return on assets (ROA) | 2.5703% | 195 |
| Pretax return on assets | 2.5703% | 303 |
| Return on Equity (ROE) | 25.1362% | 181 |
| Retained earnings to average equity (ytd only) | 5.9308% | 2,998 |
| Net charge-offs to loans | 0.0440% | 4,077 |
| Credit loss provision to net charge-offs | 250.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 107.3333% | 322 |
| Efficiency ratio | 40.6998% | 7,087 |
| Assets per employee ($millions) | 4.5401% | 2,917 |
| Cash dividends to net income (ytd only)* | 76.4054% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 4,507 |
| Loan loss allowance to noncurrent loans | 87.7563% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 2.2191% | 2,675 |
| Noncurrent loans to loans | 1.6206% | 3,686 |
| Net loans and leases to total assets | 53.4693% | 4,810 |
| Net loans and leases to deposits | 59.9057% | 5,163 |
| Net loans and leases to core deposits | 86.1805% | 2,272 |
| Total domestic deposits to total assets | 89.2559% | 1,516 |
| Equity capital to assets | 10.1980% | 3,855 |
| Core capital (leverage) ratio | 9.2579% | 4,431 |
| Tier 1 risk-based capital ratio | 14.9251% | 3,805 |
| Total risk-based capital ratio | 16.1753% | 3,771 |
| Memoranda: | ||
| Average total assets | $196,550,500 | 3,152 |
| Average earning assets | $186,733,000 | 3,057 |
| Average equity | $20,098,500 | 3,216 |
| Average total loans | $109,120,500 | 3,376 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9150% | 3,290 |
| Cost of funding earning assets | 1.0190% | 3,244 |
| Net interest margin | 3.8960% | 3,353 |
| Noninterest income to average assets | 0.7737% | 2,215 |
| Noninterest expense to average assets | 1.9760% | 6,718 |
| Loan and lease loss provision to assets | 0.1613% | 4,617 |
| Net operating income to assets | 2.3444% | 172 |
| Return on assets (ROA) | 2.4136% | 161 |
| Pretax return on assets | 2.4136% | 245 |
| Return on Equity (ROE) | 24.6661% | 115 |
| Retained earnings to average equity (ytd only) | 3.3445% | 3,843 |
| Net charge-offs to loans | 0.2286% | 4,356 |
| Credit loss provision to net charge-offs | 120.6226% | 2,638 |
| Earnings coverage of net charge-offs (x) | 18.7393% | 1,198 |
| Efficiency ratio | 43.8704% | 7,127 |
| Assets per employee ($millions) | 4.4962% | 2,920 |
| Cash dividends to net income (ytd only)* | 86.4410% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 4,531 |
| Loan loss allowance to noncurrent loans | 86.4359% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 2.3250% | 2,599 |
| Noncurrent loans to loans | 1.6035% | 3,758 |
| Net loans and leases to total assets | 56.0496% | 4,689 |
| Net loans and leases to deposits | 62.8696% | 5,136 |
| Net loans and leases to core deposits | 93.3352% | 1,767 |
| Total domestic deposits to total assets | 89.1520% | 1,447 |
| Equity capital to assets | 10.2542% | 3,843 |
| Core capital (leverage) ratio | 9.2256% | 4,431 |
| Tier 1 risk-based capital ratio | 14.7853% | 3,770 |
| Total risk-based capital ratio | 16.0437% | 3,745 |
| Memoranda: | ||
| Average total assets | $192,203,400 | 3,155 |
| Average earning assets | $182,929,200 | 3,052 |
| Average equity | $18,807,200 | 3,309 |
| Average total loans | $112,416,600 | 3,323 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9671% | 3,263 |
| Cost of funding earning assets | 1.0467% | 3,340 |
| Net interest margin | 3.9204% | 3,277 |
| Noninterest income to average assets | 0.5961% | 3,192 |
| Noninterest expense to average assets | 1.9674% | 6,759 |
| Loan and lease loss provision to assets | 0.1112% | 5,041 |
| Net operating income to assets | 2.2516% | 234 |
| Return on assets (ROA) | 2.3412% | 210 |
| Pretax return on assets | 2.3412% | 340 |
| Return on Equity (ROE) | 24.2186% | 156 |
| Retained earnings to average equity (ytd only) | 1.1499% | 5,556 |
| Net charge-offs to loans | -0.0967% | 7,158 |
| Credit loss provision to net charge-offs | -195.1220% | 6,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1308% | 7,098 |
| Assets per employee ($millions) | 4.3814% | 3,108 |
| Cash dividends to net income (ytd only)* | 95.2522% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 4,179 |
| Loan loss allowance to noncurrent loans | 170.8583% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 1.8809% | 3,293 |
| Noncurrent loans to loans | 0.8690% | 5,126 |
| Net loans and leases to total assets | 58.9199% | 4,340 |
| Net loans and leases to deposits | 66.1043% | 4,889 |
| Net loans and leases to core deposits | 97.6706% | 1,450 |
| Total domestic deposits to total assets | 89.1318% | 1,351 |
| Equity capital to assets | 10.1431% | 4,164 |
| Core capital (leverage) ratio | 8.9528% | 5,009 |
| Tier 1 risk-based capital ratio | 14.0453% | 4,326 |
| Total risk-based capital ratio | 15.2967% | 4,294 |
| Memoranda: | ||
| Average total assets | $191,920,250 | 3,175 |
| Average earning assets | $182,797,750 | 3,068 |
| Average equity | $18,552,750 | 3,345 |
| Average total loans | $113,049,000 | 3,347 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9477% | 3,405 |
| Cost of funding earning assets | 1.0668% | 3,497 |
| Net interest margin | 3.8809% | 3,391 |
| Noninterest income to average assets | 0.5792% | 3,272 |
| Noninterest expense to average assets | 1.8932% | 6,961 |
| Loan and lease loss provision to assets | 0.1252% | 4,720 |
| Net operating income to assets | 2.2741% | 230 |
| Return on assets (ROA) | 2.3566% | 214 |
| Pretax return on assets | 2.3566% | 309 |
| Return on Equity (ROE) | 24.7873% | 144 |
| Retained earnings to average equity (ytd only) | -1.6686% | 6,191 |
| Net charge-offs to loans | -0.1336% | 7,226 |
| Credit loss provision to net charge-offs | -160.0000% | 6,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6421% | 7,248 |
| Assets per employee ($millions) | 4.3626% | 3,056 |
| Cash dividends to net income (ytd only)* | 106.7316% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 4,143 |
| Loan loss allowance to noncurrent loans | 85.2535% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.9570% | 3,294 |
| Noncurrent loans to loans | 1.7576% | 3,810 |
| Net loans and leases to total assets | 55.7521% | 5,030 |
| Net loans and leases to deposits | 62.0863% | 5,493 |
| Net loans and leases to core deposits | 92.7795% | 2,042 |
| Total domestic deposits to total assets | 89.7977% | 1,074 |
| Equity capital to assets | 9.4968% | 4,822 |
| Core capital (leverage) ratio | 8.7094% | 5,217 |
| Tier 1 risk-based capital ratio | 13.8918% | 4,241 |
| Total risk-based capital ratio | 15.1433% | 4,212 |
| Memoranda: | ||
| Average total assets | $191,633,000 | 3,202 |
| Average earning assets | $183,359,000 | 3,082 |
| Average equity | $18,219,000 | 3,386 |
| Average total loans | $112,299,000 | 3,407 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0327% | 2,942 |
| Cost of funding earning assets | 1.0987% | 3,531 |
| Net interest margin | 3.9340% | 2,982 |
| Noninterest income to average assets | 0.6635% | 2,766 |
| Noninterest expense to average assets | 1.9504% | 6,906 |
| Loan and lease loss provision to assets | 0.1268% | 4,411 |
| Net operating income to assets | 2.3393% | 214 |
| Return on assets (ROA) | 2.4787% | 188 |
| Pretax return on assets | 2.4787% | 253 |
| Return on Equity (ROE) | 26.0573% | 145 |
| Retained earnings to average equity (ytd only) | -9.7076% | 6,856 |
| Net charge-offs to loans | -0.5776% | 7,427 |
| Credit loss provision to net charge-offs | -36.8098% | 5,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2536% | 7,307 |
| Assets per employee ($millions) | 4.3767% | 3,079 |
| Cash dividends to net income (ytd only)* | 137.2549% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 4,113 |
| Loan loss allowance to noncurrent loans | 220.7301% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 1.4638% | 4,066 |
| Noncurrent loans to loans | 0.6882% | 5,646 |
| Net loans and leases to total assets | 56.9931% | 4,799 |
| Net loans and leases to deposits | 63.5782% | 5,314 |
| Net loans and leases to core deposits | 96.7456% | 1,615 |
| Total domestic deposits to total assets | 89.6425% | 1,393 |
| Equity capital to assets | 9.2950% | 4,735 |
| Core capital (leverage) ratio | 8.8542% | 4,846 |
| Tier 1 risk-based capital ratio | 13.7041% | 4,277 |
| Total risk-based capital ratio | 14.9556% | 4,250 |
| Memoranda: | ||
| Average total assets | $189,290,000 | 3,254 |
| Average earning assets | $180,579,000 | 3,138 |
| Average equity | $18,006,500 | 3,394 |
| Average total loans | $112,890,000 | 3,415 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2952% | 3,153 |
| Cost of funding earning assets | 1.2778% | 4,034 |
| Net interest margin | 4.0175% | 2,939 |
| Noninterest income to average assets | 0.9353% | 1,724 |
| Noninterest expense to average assets | 1.9533% | 7,093 |
| Loan and lease loss provision to assets | 0.3754% | 3,874 |
| Net operating income to assets | 2.4626% | 118 |
| Return on assets (ROA) | 2.5426% | 114 |
| Pretax return on assets | 2.5426% | 175 |
| Return on Equity (ROE) | 26.5123% | 74 |
| Retained earnings to average equity (ytd only) | 12.8959% | 217 |
| Net charge-offs to loans | 0.6687% | 3,009 |
| Credit loss provision to net charge-offs | 94.1337% | 4,937 |
| Earnings coverage of net charge-offs (x) | 7.1160% | 2,200 |
| Efficiency ratio | 40.6768% | 7,501 |
| Assets per employee ($millions) | 4.1334% | 3,507 |
| Cash dividends to net income (ytd only)* | 51.3589% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 5,075 |
| Loan loss allowance to noncurrent loans | 68.1818% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 2.1967% | 3,103 |
| Noncurrent loans to loans | 1.8857% | 3,705 |
| Net loans and leases to total assets | 60.6772% | 4,553 |
| Net loans and leases to deposits | 67.8547% | 5,117 |
| Net loans and leases to core deposits | 105.5890% | 1,216 |
| Total domestic deposits to total assets | 89.4223% | 1,424 |
| Equity capital to assets | 9.7380% | 4,069 |
| Core capital (leverage) ratio | 9.1839% | 4,199 |
| Tier 1 risk-based capital ratio | 13.9957% | 3,879 |
| Total risk-based capital ratio | 15.1963% | 3,871 |
| Memoranda: | ||
| Average total assets | $183,790,200 | 3,315 |
| Average earning assets | $176,403,800 | 3,161 |
| Average equity | $17,625,800 | 3,487 |
| Average total loans | $109,608,000 | 3,554 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3086% | 3,310 |
| Cost of funding earning assets | 1.3218% | 4,100 |
| Net interest margin | 3.9867% | 3,164 |
| Noninterest income to average assets | 0.8150% | 2,154 |
| Noninterest expense to average assets | 1.8286% | 7,300 |
| Loan and lease loss provision to assets | 0.2838% | 4,309 |
| Net operating income to assets | 2.5322% | 129 |
| Return on assets (ROA) | 2.6311% | 125 |
| Pretax return on assets | 2.6311% | 191 |
| Return on Equity (ROE) | 27.5435% | 72 |
| Retained earnings to average equity (ytd only) | 9.2624% | 975 |
| Net charge-offs to loans | 0.6001% | 2,938 |
| Credit loss provision to net charge-offs | 79.9180% | 5,136 |
| Earnings coverage of net charge-offs (x) | 7.9303% | 2,238 |
| Efficiency ratio | 39.2449% | 7,597 |
| Assets per employee ($millions) | 4.2398% | 3,377 |
| Cash dividends to net income (ytd only)* | 66.3717% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 5,022 |
| Loan loss allowance to noncurrent loans | 85.7056% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 1.7068% | 3,887 |
| Noncurrent loans to loans | 1.5057% | 4,379 |
| Net loans and leases to total assets | 58.0179% | 5,267 |
| Net loans and leases to deposits | 64.9783% | 5,790 |
| Net loans and leases to core deposits | 100.3765% | 1,822 |
| Total domestic deposits to total assets | 89.2882% | 1,233 |
| Equity capital to assets | 9.9721% | 4,193 |
| Core capital (leverage) ratio | 8.7213% | 5,149 |
| Tier 1 risk-based capital ratio | 13.7229% | 4,039 |
| Total risk-based capital ratio | 14.9306% | 4,021 |
| Memoranda: | ||
| Average total assets | $183,236,750 | 3,375 |
| Average earning assets | $176,013,000 | 3,212 |
| Average equity | $17,504,000 | 3,556 |
| Average total loans | $108,427,000 | 3,632 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3405% | 3,264 |
| Cost of funding earning assets | 1.3834% | 3,984 |
| Net interest margin | 3.9570% | 3,216 |
| Noninterest income to average assets | 0.6808% | 2,813 |
| Noninterest expense to average assets | 1.8547% | 7,323 |
| Loan and lease loss provision to assets | 0.3130% | 3,873 |
| Net operating income to assets | 2.3137% | 190 |
| Return on assets (ROA) | 2.4510% | 151 |
| Pretax return on assets | 2.4510% | 251 |
| Return on Equity (ROE) | 26.0479% | 106 |
| Retained earnings to average equity (ytd only) | 7.3756% | 1,682 |
| Net charge-offs to loans | 0.0315% | 5,901 |
| Credit loss provision to net charge-offs | 1,676.4706% | 239 |
| Earnings coverage of net charge-offs (x) | 140.7059% | 244 |
| Efficiency ratio | 41.1909% | 7,618 |
| Assets per employee ($millions) | 4.0691% | 3,637 |
| Cash dividends to net income (ytd only)* | 71.6846% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6497% | 3,250 |
| Loan loss allowance to noncurrent loans | 49.6792% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 2.1069% | 3,368 |
| Noncurrent loans to loans | 3.3208% | 2,410 |
| Net loans and leases to total assets | 57.9846% | 5,420 |
| Net loans and leases to deposits | 65.0220% | 5,914 |
| Net loans and leases to core deposits | 100.3298% | 1,980 |
| Total domestic deposits to total assets | 89.1769% | 1,339 |
| Equity capital to assets | 9.8258% | 4,236 |
| Core capital (leverage) ratio | 8.4176% | 5,548 |
| Tier 1 risk-based capital ratio | 13.5846% | 4,013 |
| Total risk-based capital ratio | 14.8383% | 3,972 |
| Memoranda: | ||
| Average total assets | $182,132,000 | 3,414 |
| Average earning assets | $174,928,670 | 3,258 |
| Average equity | $17,137,670 | 3,611 |
| Average total loans | $108,020,000 | 3,680 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3440% | 3,322 |
| Cost of funding earning assets | 1.4472% | 3,896 |
| Net interest margin | 3.8968% | 3,345 |
| Noninterest income to average assets | 0.7003% | 2,602 |
| Noninterest expense to average assets | 1.8476% | 7,413 |
| Loan and lease loss provision to assets | 0.2312% | 4,192 |
| Net operating income to assets | 2.3629% | 183 |
| Return on assets (ROA) | 2.4862% | 168 |
| Pretax return on assets | 2.4862% | 257 |
| Return on Equity (ROE) | 27.0249% | 120 |
| Retained earnings to average equity (ytd only) | 7.8753% | 1,759 |
| Net charge-offs to loans | 0.0296% | 5,155 |
| Credit loss provision to net charge-offs | 1,312.5000% | 371 |
| Earnings coverage of net charge-offs (x) | 147.2500% | 222 |
| Efficiency ratio | 41.1998% | 7,698 |
| Assets per employee ($millions) | 4.1850% | 3,487 |
| Cash dividends to net income (ytd only)* | 70.8592% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 3,955 |
| Loan loss allowance to noncurrent loans | 39.4125% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 2.4867% | 2,918 |
| Noncurrent loans to loans | 3.7813% | 2,096 |
| Net loans and leases to total assets | 57.7932% | 5,478 |
| Net loans and leases to deposits | 64.6578% | 5,980 |
| Net loans and leases to core deposits | 99.1088% | 2,224 |
| Total domestic deposits to total assets | 89.3831% | 1,308 |
| Equity capital to assets | 9.3179% | 4,808 |
| Core capital (leverage) ratio | 8.3326% | 5,684 |
| Tier 1 risk-based capital ratio | 13.2423% | 4,176 |
| Total risk-based capital ratio | 14.4940% | 4,119 |
| Memoranda: | ||
| Average total assets | $181,643,500 | 3,474 |
| Average earning assets | $174,401,500 | 3,330 |
| Average equity | $16,710,500 | 3,716 |
| Average total loans | $108,052,000 | 3,731 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7570% | 2,834 |
| Cost of funding earning assets | 1.8877% | 3,530 |
| Net interest margin | 3.8694% | 3,399 |
| Noninterest income to average assets | 1.0551% | 1,390 |
| Noninterest expense to average assets | 1.9095% | 7,490 |
| Loan and lease loss provision to assets | 0.3110% | 4,960 |
| Net operating income to assets | 2.5343% | 86 |
| Return on assets (ROA) | 2.5400% | 92 |
| Pretax return on assets | 2.5400% | 150 |
| Return on Equity (ROE) | 29.5014% | 53 |
| Retained earnings to average equity (ytd only) | 8.4196% | 606 |
| Net charge-offs to loans | 0.4101% | 4,177 |
| Credit loss provision to net charge-offs | 123.0425% | 4,297 |
| Earnings coverage of net charge-offs (x) | 11.2573% | 1,606 |
| Efficiency ratio | 39.5885% | 7,866 |
| Assets per employee ($millions) | 4.0715% | 3,671 |
| Cash dividends to net income (ytd only)* | 71.4604% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 4,238 |
| Loan loss allowance to noncurrent loans | 43.9953% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 2.2261% | 3,096 |
| Noncurrent loans to loans | 3.1821% | 2,402 |
| Net loans and leases to total assets | 59.4822% | 5,420 |
| Net loans and leases to deposits | 66.0199% | 6,045 |
| Net loans and leases to core deposits | 108.3918% | 3,061 |
| Total domestic deposits to total assets | 90.0975% | 917 |
| Equity capital to assets | 9.0781% | 5,015 |
| Core capital (leverage) ratio | 8.1864% | 5,838 |
| Tier 1 risk-based capital ratio | 12.8310% | 4,260 |
| Total risk-based capital ratio | 14.0819% | 4,214 |
| Memoranda: | ||
| Average total assets | $176,850,400 | 3,490 |
| Average earning assets | $169,097,800 | 3,368 |
| Average equity | $15,226,400 | 4,023 |
| Average total loans | $109,007,000 | 3,717 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7901% | 2,937 |
| Cost of funding earning assets | 1.9627% | 3,555 |
| Net interest margin | 3.8273% | 3,543 |
| Noninterest income to average assets | 1.1898% | 1,099 |
| Noninterest expense to average assets | 1.9348% | 7,486 |
| Loan and lease loss provision to assets | 0.3124% | 4,475 |
| Net operating income to assets | 2.6004% | 90 |
| Return on assets (ROA) | 2.6072% | 99 |
| Pretax return on assets | 2.6072% | 162 |
| Return on Equity (ROE) | 30.7063% | 56 |
| Retained earnings to average equity (ytd only) | 9.2377% | 788 |
| Net charge-offs to loans | 0.5212% | 3,129 |
| Credit loss provision to net charge-offs | 96.7213% | 5,280 |
| Earnings coverage of net charge-offs (x) | 9.0187% | 2,163 |
| Efficiency ratio | 39.1637% | 7,940 |
| Assets per employee ($millions) | 4.0661% | 3,612 |
| Cash dividends to net income (ytd only)* | 69.9157% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 4,557 |
| Loan loss allowance to noncurrent loans | 163.4660% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 5,348 |
| Noncurrent loans to loans | 0.7902% | 5,715 |
| Net loans and leases to total assets | 59.6276% | 5,640 |
| Net loans and leases to deposits | 66.5004% | 6,261 |
| Net loans and leases to core deposits | 107.7860% | 3,496 |
| Total domestic deposits to total assets | 89.6650% | 904 |
| Equity capital to assets | 9.0723% | 5,376 |
| Core capital (leverage) ratio | 8.1176% | 6,157 |
| Tier 1 risk-based capital ratio | 12.7427% | 4,355 |
| Total risk-based capital ratio | 13.9597% | 4,339 |
| Memoranda: | ||
| Average total assets | $176,276,500 | 3,519 |
| Average earning assets | $168,467,750 | 3,398 |
| Average equity | $14,967,250 | 4,099 |
| Average total loans | $109,240,500 | 3,746 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8276% | 2,913 |
| Cost of funding earning assets | 2.0264% | 3,650 |
| Net interest margin | 3.8012% | 3,546 |
| Noninterest income to average assets | 1.4116% | 756 |
| Noninterest expense to average assets | 1.9886% | 7,483 |
| Loan and lease loss provision to assets | 0.0855% | 6,323 |
| Net operating income to assets | 2.9738% | 59 |
| Return on assets (ROA) | 2.9806% | 65 |
| Pretax return on assets | 2.9806% | 100 |
| Return on Equity (ROE) | 35.9412% | 39 |
| Retained earnings to average equity (ytd only) | 13.9420% | 259 |
| Net charge-offs to loans | 0.0328% | 5,999 |
| Credit loss provision to net charge-offs | 416.6667% | 1,110 |
| Earnings coverage of net charge-offs (x) | 149.0556% | 269 |
| Efficiency ratio | 38.3104% | 8,047 |
| Assets per employee ($millions) | 4.2526% | 3,199 |
| Cash dividends to net income (ytd only)* | 61.2089% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 3,872 |
| Loan loss allowance to noncurrent loans | 361.3300% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 6,541 |
| Noncurrent loans to loans | 0.3799% | 6,559 |
| Net loans and leases to total assets | 57.6383% | 6,015 |
| Net loans and leases to deposits | 63.6904% | 6,597 |
| Net loans and leases to core deposits | 102.3610% | 4,253 |
| Total domestic deposits to total assets | 90.4977% | 631 |
| Equity capital to assets | 8.2691% | 6,385 |
| Core capital (leverage) ratio | 8.1590% | 6,059 |
| Tier 1 risk-based capital ratio | 13.0240% | 4,132 |
| Total risk-based capital ratio | 14.2742% | 4,051 |
| Memoranda: | ||
| Average total assets | $175,399,670 | 3,550 |
| Average earning assets | $167,788,330 | 3,432 |
| Average equity | $14,546,000 | 4,193 |
| Average total loans | $109,629,330 | 3,771 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9978% | 2,375 |
| Cost of funding earning assets | 2.1023% | 3,636 |
| Net interest margin | 3.8956% | 3,058 |
| Noninterest income to average assets | 1.2722% | 884 |
| Noninterest expense to average assets | 1.9689% | 7,414 |
| Loan and lease loss provision to assets | 0.0885% | 5,831 |
| Net operating income to assets | 2.9452% | 72 |
| Return on assets (ROA) | 2.9475% | 87 |
| Pretax return on assets | 2.9475% | 136 |
| Return on Equity (ROE) | 35.4876% | 52 |
| Retained earnings to average equity (ytd only) | 13.0449% | 633 |
| Net charge-offs to loans | -0.0072% | 7,230 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1216% | 8,097 |
| Assets per employee ($millions) | 4.1548% | 3,353 |
| Cash dividends to net income (ytd only)* | 63.2411% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 4,108 |
| Loan loss allowance to noncurrent loans | 454.5455% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 6,485 |
| Noncurrent loans to loans | 0.2849% | 6,724 |
| Net loans and leases to total assets | 63.3250% | 5,103 |
| Net loans and leases to deposits | 70.4296% | 5,937 |
| Net loans and leases to core deposits | 114.9718% | 2,910 |
| Total domestic deposits to total assets | 89.9125% | 839 |
| Equity capital to assets | 8.4073% | 6,222 |
| Core capital (leverage) ratio | 8.1998% | 6,104 |
| Tier 1 risk-based capital ratio | 12.6474% | 4,438 |
| Total risk-based capital ratio | 13.8962% | 4,357 |
| Memoranda: | ||
| Average total assets | $171,669,000 | 3,626 |
| Average earning assets | $164,392,500 | 3,506 |
| Average equity | $14,258,500 | 4,281 |
| Average total loans | $111,011,500 | 3,766 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4970% | 2,972 |
| Cost of funding earning assets | 2.5824% | 3,779 |
| Net interest margin | 3.9146% | 3,500 |
| Noninterest income to average assets | 0.6334% | 3,608 |
| Noninterest expense to average assets | 1.8858% | 7,639 |
| Loan and lease loss provision to assets | 0.0818% | 6,365 |
| Net operating income to assets | 2.4029% | 158 |
| Return on assets (ROA) | 2.4392% | 143 |
| Pretax return on assets | 2.4392% | 226 |
| Return on Equity (ROE) | 30.3286% | 57 |
| Retained earnings to average equity (ytd only) | 6.2104% | 1,427 |
| Net charge-offs to loans | 0.0518% | 6,049 |
| Credit loss provision to net charge-offs | 245.4545% | 1,900 |
| Earnings coverage of net charge-offs (x) | 74.5273% | 549 |
| Efficiency ratio | 42.7739% | 8,050 |
| Assets per employee ($millions) | 3.9264% | 3,665 |
| Cash dividends to net income (ytd only)* | 79.5229% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 3,928 |
| Loan loss allowance to noncurrent loans | 1,281.8182% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 6,946 |
| Noncurrent loans to loans | 0.0999% | 7,116 |
| Net loans and leases to total assets | 64.3581% | 5,199 |
| Net loans and leases to deposits | 73.2475% | 5,926 |
| Net loans and leases to core deposits | 122.8188% | 2,415 |
| Total domestic deposits to total assets | 87.8639% | 1,531 |
| Equity capital to assets | 8.2009% | 6,549 |
| Core capital (leverage) ratio | 8.2030% | 6,161 |
| Tier 1 risk-based capital ratio | 12.3796% | 4,517 |
| Total risk-based capital ratio | 13.6384% | 4,411 |
| Memoranda: | ||
| Average total assets | $164,970,200 | 3,631 |
| Average earning assets | $157,488,800 | 3,516 |
| Average equity | $13,268,000 | 4,505 |
| Average total loans | $106,083,200 | 3,791 |