Home > Branson Bank > Performance and Condition Ratios
Branson 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 | 5.5119% | 1,139 |
| Cost of funding earning assets | 1.1842% | 2,842 |
| Net interest margin | 4.3277% | 777 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 3.0053% | 1,120 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.1184% | 1,866 |
| Return on assets (ROA) | 1.1184% | 1,836 |
| Pretax return on assets | 1.4637% | 1,502 |
| Return on Equity (ROE) | 12.8800% | 1,757 |
| Retained earnings to average equity (ytd only) | 7.4861% | 1,713 |
| Net charge-offs to loans | 0.0233% | 1,851 |
| Credit loss provision to net charge-offs | 210.9375% | 1,185 |
| Earnings coverage of net charge-offs (x) | 84.3750% | 989 |
| Efficiency ratio | 65.3753% | 2,432 |
| Assets per employee ($millions) | 4.8139% | 3,766 |
| Cash dividends to net income (ytd only)* | 41.8739% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 2,822 |
| Loan loss allowance to noncurrent loans | 10,626.6667% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 3,726 |
| Noncurrent loans to loans | 0.0104% | 3,685 |
| Net loans and leases to total assets | 81.3400% | 493 |
| Net loans and leases to deposits | 91.7747% | 1,114 |
| Net loans and leases to core deposits | 103.3090% | 1,256 |
| Total domestic deposits to total assets | 88.6400% | 1,173 |
| Equity capital to assets | 8.7455% | 2,865 |
| Core capital (leverage) ratio | 8.7993% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4130% | 2,448 |
| Memoranda: | ||
| Average total assets | $341,661,400 | 2,226 |
| Average earning assets | $313,284,800 | 2,233 |
| Average equity | $29,668,400 | 2,274 |
| Average total loans | $274,639,000 | 1,896 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3829% | 1,155 |
| Cost of funding earning assets | 1.0407% | 2,923 |
| Net interest margin | 4.3422% | 759 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 3.0261% | 1,037 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.1304% | 1,966 |
| Return on assets (ROA) | 1.1304% | 1,944 |
| Pretax return on assets | 1.4782% | 1,610 |
| Return on Equity (ROE) | 13.0400% | 1,888 |
| Retained earnings to average equity (ytd only) | 8.5071% | 1,812 |
| Net charge-offs to loans | 0.0044% | 2,323 |
| Credit loss provision to net charge-offs | 11.1111% | 2,033 |
| Earnings coverage of net charge-offs (x) | 445.8889% | 335 |
| Efficiency ratio | 65.5738% | 2,322 |
| Assets per employee ($millions) | 4.5242% | 3,925 |
| Cash dividends to net income (ytd only)* | 34.7705% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 2,962 |
| Loan loss allowance to noncurrent loans | 11,957.6923% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 3,780 |
| Noncurrent loans to loans | 0.0090% | 3,738 |
| Net loans and leases to total assets | 82.8000% | 375 |
| Net loans and leases to deposits | 93.5946% | 931 |
| Net loans and leases to core deposits | 101.0173% | 1,258 |
| Total domestic deposits to total assets | 88.4600% | 1,424 |
| Equity capital to assets | 8.8155% | 2,526 |
| Core capital (leverage) ratio | 8.8045% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8291% | 2,333 |
| Memoranda: | ||
| Average total assets | $339,222,750 | 2,237 |
| Average earning assets | $311,445,000 | 2,241 |
| Average equity | $29,402,250 | 2,278 |
| Average total loans | $271,037,250 | 1,913 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1946% | 1,220 |
| Cost of funding earning assets | 0.9056% | 2,907 |
| Net interest margin | 4.2889% | 819 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.9779% | 1,077 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.1176% | 2,069 |
| Return on assets (ROA) | 1.1176% | 2,064 |
| Pretax return on assets | 1.4617% | 1,670 |
| Return on Equity (ROE) | 12.9700% | 1,910 |
| Retained earnings to average equity (ytd only) | 8.8456% | 1,720 |
| Net charge-offs to loans | 0.0075% | 1,942 |
| Credit loss provision to net charge-offs | -1,210.0000% | 4,627 |
| Earnings coverage of net charge-offs (x) | 260.8000% | 499 |
| Efficiency ratio | 65.6888% | 2,280 |
| Assets per employee ($millions) | 4.2944% | 4,056 |
| Cash dividends to net income (ytd only)* | 31.7965% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,053 |
| Loan loss allowance to noncurrent loans | 9,953.3333% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 3,764 |
| Noncurrent loans to loans | 0.0108% | 3,702 |
| Net loans and leases to total assets | 79.8200% | 650 |
| Net loans and leases to deposits | 90.0015% | 1,187 |
| Net loans and leases to core deposits | 97.9991% | 1,348 |
| Total domestic deposits to total assets | 88.6900% | 1,351 |
| Equity capital to assets | 8.6558% | 2,744 |
| Core capital (leverage) ratio | 8.7702% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9342% | 2,318 |
| Memoranda: | ||
| Average total assets | $337,684,333 | 2,251 |
| Average earning assets | $310,940,000 | 2,254 |
| Average equity | $29,099,333 | 2,298 |
| Average total loans | $265,452,333 | 1,929 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0387% | 1,154 |
| Cost of funding earning assets | 0.7347% | 2,945 |
| Net interest margin | 4.3040% | 797 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.9772% | 1,099 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.0641% | 2,337 |
| Return on assets (ROA) | 1.0641% | 2,307 |
| Pretax return on assets | 1.4157% | 1,850 |
| Return on Equity (ROE) | 12.4000% | 2,112 |
| Retained earnings to average equity (ytd only) | 8.2173% | 2,160 |
| Net charge-offs to loans | -0.0015% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.9582% | 2,331 |
| Assets per employee ($millions) | 4.6097% | 3,958 |
| Cash dividends to net income (ytd only)* | 33.7079% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,272 |
| Loan loss allowance to noncurrent loans | 10,006.0606% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,776 |
| Noncurrent loans to loans | 0.0125% | 3,728 |
| Net loans and leases to total assets | 75.2000% | 1,060 |
| Net loans and leases to deposits | 84.7714% | 1,444 |
| Net loans and leases to core deposits | 91.3712% | 1,539 |
| Total domestic deposits to total assets | 88.7100% | 1,654 |
| Equity capital to assets | 8.3988% | 2,969 |
| Core capital (leverage) ratio | 8.8438% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1301% | 2,340 |
| Memoranda: | ||
| Average total assets | $334,540,500 | 2,291 |
| Average earning assets | $307,619,500 | 2,301 |
| Average equity | $28,720,000 | 2,345 |
| Average total loans | $259,570,500 | 1,974 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 1,698 |
| Cost of funding earning assets | 0.2702% | 3,155 |
| Net interest margin | 3.7372% | 1,293 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.7439% | 1,454 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.9607% | 2,722 |
| Return on assets (ROA) | 0.9607% | 2,668 |
| Pretax return on assets | 1.2747% | 2,186 |
| Return on Equity (ROE) | 11.5600% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.7020% | 1,241 |
| Net charge-offs to loans | -0.0026% | 3,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.7067% | 2,121 |
| Assets per employee ($millions) | 4.4295% | 4,083 |
| Cash dividends to net income (ytd only)* | 16.0411% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 2,241 |
| Loan loss allowance to noncurrent loans | 6,564.5833% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 3,321 |
| Noncurrent loans to loans | 0.0188% | 3,684 |
| Net loans and leases to total assets | 78.1400% | 781 |
| Net loans and leases to deposits | 88.7938% | 1,124 |
| Net loans and leases to core deposits | 91.6026% | 1,416 |
| Total domestic deposits to total assets | 88.0100% | 2,071 |
| Equity capital to assets | 8.7839% | 2,503 |
| Core capital (leverage) ratio | 8.8259% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9336% | 2,400 |
| Memoranda: | ||
| Average total assets | $324,461,800 | 2,328 |
| Average earning assets | $301,269,000 | 2,327 |
| Average equity | $26,973,800 | 2,481 |
| Average total loans | $233,707,400 | 2,035 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7362% | 1,941 |
| Cost of funding earning assets | 0.2153% | 3,087 |
| Net interest margin | 3.5210% | 1,609 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.6971% | 1,481 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8938% | 2,890 |
| Return on assets (ROA) | 0.8938% | 2,870 |
| Pretax return on assets | 1.1849% | 2,425 |
| Return on Equity (ROE) | 10.9100% | 2,413 |
| Retained earnings to average equity (ytd only) | 8.4006% | 1,851 |
| Net charge-offs to loans | -0.0023% | 3,294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.5505% | 1,949 |
| Assets per employee ($millions) | 4.7192% | 3,899 |
| Cash dividends to net income (ytd only)* | 22.9674% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,385 |
| Loan loss allowance to noncurrent loans | 8,514.2857% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 2,908 |
| Noncurrent loans to loans | 0.0144% | 3,827 |
| Net loans and leases to total assets | 73.6800% | 1,125 |
| Net loans and leases to deposits | 83.4229% | 1,343 |
| Net loans and leases to core deposits | 86.0011% | 1,524 |
| Total domestic deposits to total assets | 88.3200% | 2,325 |
| Equity capital to assets | 8.4192% | 2,595 |
| Core capital (leverage) ratio | 8.3496% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8713% | 2,527 |
| Memoranda: | ||
| Average total assets | $324,739,000 | 2,344 |
| Average earning assets | $302,256,750 | 2,346 |
| Average equity | $26,616,500 | 2,535 |
| Average total loans | $228,175,500 | 2,063 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4736% | 2,212 |
| Cost of funding earning assets | 0.1838% | 3,134 |
| Net interest margin | 3.2899% | 1,937 |
| Noninterest income to average assets | 0.6695% | 1,464 |
| Noninterest expense to average assets | 2.6858% | 1,425 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7946% | 2,975 |
| Return on assets (ROA) | 0.7946% | 2,947 |
| Pretax return on assets | 1.0516% | 2,564 |
| Return on Equity (ROE) | 9.7836% | 2,413 |
| Retained earnings to average equity (ytd only) | 7.8860% | 1,663 |
| Net charge-offs to loans | -0.0090% | 3,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6642% | 1,758 |
| Assets per employee ($millions) | 4.7209% | 3,916 |
| Cash dividends to net income (ytd only)* | 19.3949% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,464 |
| Loan loss allowance to noncurrent loans | 7,594.7368% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 2,973 |
| Noncurrent loans to loans | 0.0163% | 3,840 |
| Net loans and leases to total assets | 69.4861% | 1,345 |
| Net loans and leases to deposits | 78.3523% | 1,513 |
| Net loans and leases to core deposits | 80.3345% | 1,691 |
| Total domestic deposits to total assets | 88.6842% | 2,304 |
| Equity capital to assets | 8.1191% | 3,029 |
| Core capital (leverage) ratio | 8.2807% | 4,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3546% | 2,358 |
| Memoranda: | ||
| Average total assets | $324,444,000 | 2,364 |
| Average earning assets | $302,564,000 | 2,363 |
| Average equity | $26,350,333 | 2,616 |
| Average total loans | $223,265,333 | 2,090 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2978% | 2,393 |
| Cost of funding earning assets | 0.1865% | 2,989 |
| Net interest margin | 3.1112% | 2,134 |
| Noninterest income to average assets | 0.5774% | 1,792 |
| Noninterest expense to average assets | 2.6979% | 1,369 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5973% | 3,403 |
| Return on assets (ROA) | 0.5973% | 3,385 |
| Pretax return on assets | 0.7852% | 3,153 |
| Return on Equity (ROE) | 7.3535% | 2,927 |
| Retained earnings to average equity (ytd only) | 3.5236% | 3,111 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2419% | 1,381 |
| Assets per employee ($millions) | 4.8137% | 3,910 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 2,245 |
| Loan loss allowance to noncurrent loans | 351.0379% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 1,939 |
| Noncurrent loans to loans | 0.3771% | 2,140 |
| Net loans and leases to total assets | 66.4434% | 1,368 |
| Net loans and leases to deposits | 74.8661% | 1,530 |
| Net loans and leases to core deposits | 76.7319% | 1,729 |
| Total domestic deposits to total assets | 88.7497% | 2,188 |
| Equity capital to assets | 8.0880% | 3,499 |
| Core capital (leverage) ratio | 8.2073% | 4,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8063% | 2,301 |
| Memoranda: | ||
| Average total assets | $321,433,000 | 2,390 |
| Average earning assets | $300,203,500 | 2,385 |
| Average equity | $26,110,000 | 2,710 |
| Average total loans | $218,641,000 | 2,107 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0956% | 1,168 |
| Cost of funding earning assets | 0.2741% | 2,664 |
| Net interest margin | 3.8215% | 963 |
| Noninterest income to average assets | 0.7586% | 1,569 |
| Noninterest expense to average assets | 2.8888% | 1,177 |
| Loan and lease loss provision to assets | 0.1710% | 681 |
| Net operating income to assets | 0.9580% | 2,840 |
| Return on assets (ROA) | 0.9580% | 2,908 |
| Pretax return on assets | 1.2589% | 2,488 |
| Return on Equity (ROE) | 11.1447% | 2,111 |
| Retained earnings to average equity (ytd only) | 5.4546% | 2,590 |
| Net charge-offs to loans | -0.0018% | 3,348 |
| Credit loss provision to net charge-offs | -12,675.0000% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3438% | 2,215 |
| Assets per employee ($millions) | 4.7110% | 3,960 |
| Cash dividends to net income (ytd only)* | 51.0563% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 2,327 |
| Loan loss allowance to noncurrent loans | 347.2222% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 2,033 |
| Noncurrent loans to loans | 0.3762% | 2,238 |
| Net loans and leases to total assets | 67.8137% | 1,290 |
| Net loans and leases to deposits | 76.4756% | 1,531 |
| Net loans and leases to core deposits | 78.3959% | 1,729 |
| Total domestic deposits to total assets | 88.6737% | 1,685 |
| Equity capital to assets | 8.1582% | 4,269 |
| Core capital (leverage) ratio | 8.1825% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4308% | 2,483 |
| Memoranda: | ||
| Average total assets | $296,453,200 | 2,445 |
| Average earning assets | $276,173,000 | 2,452 |
| Average equity | $25,483,000 | 2,814 |
| Average total loans | $216,849,600 | 2,122 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 1,021 |
| Cost of funding earning assets | 0.2977% | 2,613 |
| Net interest margin | 3.9582% | 850 |
| Noninterest income to average assets | 0.8166% | 1,475 |
| Noninterest expense to average assets | 2.9110% | 1,108 |
| Loan and lease loss provision to assets | 0.1835% | 582 |
| Net operating income to assets | 1.0681% | 2,660 |
| Return on assets (ROA) | 1.0681% | 2,726 |
| Pretax return on assets | 1.4022% | 2,324 |
| Return on Equity (ROE) | 12.2535% | 1,959 |
| Retained earnings to average equity (ytd only) | 5.9346% | 2,851 |
| Net charge-offs to loans | -0.0019% | 3,202 |
| Credit loss provision to net charge-offs | -13,333.3333% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7341% | 2,285 |
| Assets per employee ($millions) | 4.4655% | 4,148 |
| Cash dividends to net income (ytd only)* | 51.5685% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,613 |
| Loan loss allowance to noncurrent loans | 314.7895% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 2,137 |
| Noncurrent loans to loans | 0.4050% | 2,345 |
| Net loans and leases to total assets | 69.5482% | 1,122 |
| Net loans and leases to deposits | 78.8459% | 1,400 |
| Net loans and leases to core deposits | 80.8414% | 1,667 |
| Total domestic deposits to total assets | 88.2078% | 1,712 |
| Equity capital to assets | 8.4123% | 4,264 |
| Core capital (leverage) ratio | 8.2180% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5450% | 2,531 |
| Memoranda: | ||
| Average total assets | $290,478,750 | 2,494 |
| Average earning assets | $270,084,000 | 2,507 |
| Average equity | $25,320,000 | 2,856 |
| Average total loans | $216,032,750 | 2,164 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1672% | 1,236 |
| Cost of funding earning assets | 0.3297% | 2,490 |
| Net interest margin | 3.8375% | 1,086 |
| Noninterest income to average assets | 0.8004% | 1,529 |
| Noninterest expense to average assets | 2.9164% | 1,121 |
| Loan and lease loss provision to assets | 0.1581% | 732 |
| Net operating income to assets | 0.9867% | 2,934 |
| Return on assets (ROA) | 0.9867% | 3,023 |
| Pretax return on assets | 1.2839% | 2,673 |
| Return on Equity (ROE) | 11.1783% | 2,358 |
| Retained earnings to average equity (ytd only) | 4.8089% | 3,257 |
| Net charge-offs to loans | -0.0019% | 3,184 |
| Credit loss provision to net charge-offs | -11,250.0000% | 4,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9139% | 2,027 |
| Assets per employee ($millions) | 4.4810% | 4,115 |
| Cash dividends to net income (ytd only)* | 56.9801% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 3,038 |
| Loan loss allowance to noncurrent loans | 286.2983% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 1,773 |
| Noncurrent loans to loans | 0.4131% | 2,439 |
| Net loans and leases to total assets | 71.0384% | 1,078 |
| Net loans and leases to deposits | 80.4677% | 1,389 |
| Net loans and leases to core deposits | 82.7810% | 1,656 |
| Total domestic deposits to total assets | 88.2819% | 1,679 |
| Equity capital to assets | 8.3362% | 4,335 |
| Core capital (leverage) ratio | 8.5023% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3672% | 2,591 |
| Memoranda: | ||
| Average total assets | $284,598,333 | 2,527 |
| Average earning assets | $263,872,333 | 2,545 |
| Average equity | $25,120,000 | 2,872 |
| Average total loans | $215,690,667 | 2,171 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6111% | 649 |
| Cost of funding earning assets | 0.3755% | 2,312 |
| Net interest margin | 4.2356% | 572 |
| Noninterest income to average assets | 0.7897% | 1,607 |
| Noninterest expense to average assets | 3.0334% | 939 |
| Loan and lease loss provision to assets | 0.2914% | 329 |
| Net operating income to assets | 1.0738% | 2,554 |
| Return on assets (ROA) | 1.0738% | 2,641 |
| Pretax return on assets | 1.3929% | 2,303 |
| Return on Equity (ROE) | 11.8017% | 2,090 |
| Retained earnings to average equity (ytd only) | 5.3964% | 3,096 |
| Net charge-offs to loans | -0.0019% | 3,124 |
| Credit loss provision to net charge-offs | -20,000.0000% | 3,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2989% | 2,429 |
| Assets per employee ($millions) | 4.2072% | 4,339 |
| Cash dividends to net income (ytd only)* | 54.2741% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 2,920 |
| Loan loss allowance to noncurrent loans | 281.2500% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 1,873 |
| Noncurrent loans to loans | 0.4274% | 2,583 |
| Net loans and leases to total assets | 73.6858% | 843 |
| Net loans and leases to deposits | 83.7423% | 1,180 |
| Net loans and leases to core deposits | 86.9436% | 1,460 |
| Total domestic deposits to total assets | 87.9911% | 1,848 |
| Equity capital to assets | 8.7742% | 3,890 |
| Core capital (leverage) ratio | 9.1442% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,544,000 | 2,573 |
| Average earning assets | $254,603,500 | 2,578 |
| Average equity | $24,979,500 | 2,875 |
| Average total loans | $214,011,000 | 2,187 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4731% | 1,380 |
| Cost of funding earning assets | 0.5517% | 2,601 |
| Net interest margin | 3.9214% | 1,158 |
| Noninterest income to average assets | 0.5429% | 2,453 |
| Noninterest expense to average assets | 3.1161% | 1,198 |
| Loan and lease loss provision to assets | 0.1260% | 2,785 |
| Net operating income to assets | 0.7154% | 3,381 |
| Return on assets (ROA) | 0.7154% | 3,513 |
| Pretax return on assets | 0.9086% | 3,342 |
| Return on Equity (ROE) | 7.4993% | 2,999 |
| Retained earnings to average equity (ytd only) | 6.4577% | 1,609 |
| Net charge-offs to loans | -0.0005% | 3,900 |
| Credit loss provision to net charge-offs | -31,700.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0742% | 1,327 |
| Assets per employee ($millions) | 3.8116% | 4,496 |
| Cash dividends to net income (ytd only)* | 13.8889% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,454 |
| Loan loss allowance to noncurrent loans | 255.5676% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 2,377 |
| Noncurrent loans to loans | 0.4309% | 2,685 |
| Net loans and leases to total assets | 80.7174% | 380 |
| Net loans and leases to deposits | 92.6556% | 739 |
| Net loans and leases to core deposits | 96.7963% | 1,076 |
| Total domestic deposits to total assets | 87.1155% | 1,881 |
| Equity capital to assets | 9.4514% | 3,659 |
| Core capital (leverage) ratio | 9.2027% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,596,400 | 2,569 |
| Average earning assets | $231,473,000 | 2,592 |
| Average equity | $24,002,400 | 2,877 |
| Average total loans | $202,099,600 | 2,219 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 1,907 |
| Cost of funding earning assets | 0.5858% | 2,703 |
| Net interest margin | 3.7903% | 1,644 |
| Noninterest income to average assets | 0.5205% | 2,526 |
| Noninterest expense to average assets | 3.0301% | 1,378 |
| Loan and lease loss provision to assets | 0.0402% | 3,850 |
| Net operating income to assets | 0.7515% | 3,280 |
| Return on assets (ROA) | 0.7515% | 3,385 |
| Pretax return on assets | 0.9321% | 3,289 |
| Return on Equity (ROE) | 7.8579% | 2,862 |
| Retained earnings to average equity (ytd only) | 6.4567% | 1,903 |
| Net charge-offs to loans | 0.0027% | 3,080 |
| Credit loss provision to net charge-offs | 1,875.0000% | 508 |
| Earnings coverage of net charge-offs (x) | 453.5000% | 252 |
| Efficiency ratio | 75.7064% | 1,230 |
| Assets per employee ($millions) | 3.8294% | 4,455 |
| Cash dividends to net income (ytd only)* | 17.8317% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 3,795 |
| Loan loss allowance to noncurrent loans | 222.1406% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 2,550 |
| Noncurrent loans to loans | 0.4396% | 2,733 |
| Net loans and leases to total assets | 80.0829% | 606 |
| Net loans and leases to deposits | 92.5170% | 1,032 |
| Net loans and leases to core deposits | 97.2273% | 1,362 |
| Total domestic deposits to total assets | 86.5601% | 1,833 |
| Equity capital to assets | 9.1255% | 4,021 |
| Core capital (leverage) ratio | 8.8669% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,745,750 | 2,573 |
| Average earning assets | $228,509,000 | 2,591 |
| Average equity | $23,788,750 | 2,882 |
| Average total loans | $198,962,000 | 2,245 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 1,948 |
| Cost of funding earning assets | 0.6413% | 2,751 |
| Net interest margin | 3.8467% | 1,698 |
| Noninterest income to average assets | 0.4829% | 2,637 |
| Noninterest expense to average assets | 3.0829% | 1,393 |
| Loan and lease loss provision to assets | 0.0413% | 3,760 |
| Net operating income to assets | 0.6966% | 3,398 |
| Return on assets (ROA) | 0.6966% | 3,502 |
| Pretax return on assets | 0.8840% | 3,358 |
| Return on Equity (ROE) | 7.1634% | 3,069 |
| Retained earnings to average equity (ytd only) | 5.0415% | 2,456 |
| Net charge-offs to loans | 0.0021% | 2,942 |
| Credit loss provision to net charge-offs | 2,500.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 560.5000% | 183 |
| Efficiency ratio | 76.9152% | 1,165 |
| Assets per employee ($millions) | 3.8711% | 4,417 |
| Cash dividends to net income (ytd only)* | 29.6209% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 3,657 |
| Loan loss allowance to noncurrent loans | 224.4373% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 2,692 |
| Noncurrent loans to loans | 0.4376% | 2,851 |
| Net loans and leases to total assets | 79.0422% | 716 |
| Net loans and leases to deposits | 91.1334% | 1,244 |
| Net loans and leases to core deposits | 99.3609% | 1,307 |
| Total domestic deposits to total assets | 86.7325% | 1,720 |
| Equity capital to assets | 8.9452% | 4,133 |
| Core capital (leverage) ratio | 9.3010% | 3,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,307,333 | 2,594 |
| Average earning assets | $222,060,667 | 2,612 |
| Average equity | $23,564,333 | 2,886 |
| Average total loans | $193,020,000 | 2,273 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7391% | 1,591 |
| Cost of funding earning assets | 0.7543% | 2,644 |
| Net interest margin | 3.9848% | 1,430 |
| Noninterest income to average assets | 0.5098% | 2,506 |
| Noninterest expense to average assets | 3.1630% | 1,501 |
| Loan and lease loss provision to assets | 0.0435% | 3,234 |
| Net operating income to assets | 0.7446% | 3,113 |
| Return on assets (ROA) | 0.7446% | 3,187 |
| Pretax return on assets | 0.9430% | 3,025 |
| Return on Equity (ROE) | 7.3162% | 2,820 |
| Retained earnings to average equity (ytd only) | 7.3162% | 1,440 |
| Net charge-offs to loans | 0.0066% | 2,342 |
| Credit loss provision to net charge-offs | 833.3333% | 645 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 360 |
| Efficiency ratio | 76.2264% | 1,538 |
| Assets per employee ($millions) | 3.3448% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 3,164 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 1,819 |
| Noncurrent loans to loans | 0.8306% | 1,945 |
| Net loans and leases to total assets | 81.1883% | 540 |
| Net loans and leases to deposits | 95.9149% | 921 |
| Net loans and leases to core deposits | 105.1103% | 1,108 |
| Total domestic deposits to total assets | 84.6462% | 2,548 |
| Equity capital to assets | 10.3975% | 3,419 |
| Core capital (leverage) ratio | 10.0582% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,909,000 | 2,629 |
| Average earning assets | $209,998,500 | 2,666 |
| Average equity | $23,400,000 | 2,892 |
| Average total loans | $182,920,500 | 2,329 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 1,787 |
| Cost of funding earning assets | 0.7741% | 2,805 |
| Net interest margin | 4.1142% | 1,502 |
| Noninterest income to average assets | 0.5864% | 2,287 |
| Noninterest expense to average assets | 3.1589% | 1,614 |
| Loan and lease loss provision to assets | 0.0221% | 3,587 |
| Net operating income to assets | 0.9200% | 3,123 |
| Return on assets (ROA) | 0.9200% | 3,197 |
| Pretax return on assets | 1.1812% | 2,904 |
| Return on Equity (ROE) | 9.2635% | 2,630 |
| Retained earnings to average equity (ytd only) | 5.5981% | 2,102 |
| Net charge-offs to loans | 0.1194% | 1,556 |
| Credit loss provision to net charge-offs | 23.5849% | 3,306 |
| Earnings coverage of net charge-offs (x) | 12.8632% | 2,393 |
| Efficiency ratio | 72.4155% | 1,809 |
| Assets per employee ($millions) | 3.5207% | 4,463 |
| Cash dividends to net income (ytd only)* | 39.5683% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 2,735 |
| Loan loss allowance to noncurrent loans | 307.6692% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3460% | 3,023 |
| Noncurrent loans to loans | 0.3713% | 3,113 |
| Net loans and leases to total assets | 76.1999% | 1,376 |
| Net loans and leases to deposits | 88.2611% | 1,806 |
| Net loans and leases to core deposits | 97.2019% | 1,798 |
| Total domestic deposits to total assets | 86.3347% | 1,916 |
| Equity capital to assets | 9.9630% | 3,958 |
| Core capital (leverage) ratio | 9.7457% | 3,794 |
| Tier 1 risk-based capital ratio | 12.6952% | 3,954 |
| Total risk-based capital ratio | 13.8308% | 3,905 |
| Memoranda: | ||
| Average total assets | $226,628,800 | 2,603 |
| Average earning assets | $207,987,400 | 2,625 |
| Average equity | $22,507,600 | 2,917 |
| Average total loans | $177,582,200 | 2,345 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9080% | 1,795 |
| Cost of funding earning assets | 0.7672% | 2,882 |
| Net interest margin | 4.1408% | 1,522 |
| Noninterest income to average assets | 0.6104% | 2,153 |
| Noninterest expense to average assets | 3.1747% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9639% | 3,105 |
| Return on assets (ROA) | 0.9639% | 3,187 |
| Pretax return on assets | 1.2416% | 2,843 |
| Return on Equity (ROE) | 9.7133% | 2,563 |
| Retained earnings to average equity (ytd only) | 7.3267% | 1,703 |
| Net charge-offs to loans | -0.0038% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8863% | 1,854 |
| Assets per employee ($millions) | 3.4667% | 4,531 |
| Cash dividends to net income (ytd only)* | 24.5701% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,486 |
| Loan loss allowance to noncurrent loans | 262.2038% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 2,574 |
| Noncurrent loans to loans | 0.4588% | 2,928 |
| Net loans and leases to total assets | 77.1040% | 1,298 |
| Net loans and leases to deposits | 89.2408% | 1,785 |
| Net loans and leases to core deposits | 97.7241% | 1,844 |
| Total domestic deposits to total assets | 86.4000% | 1,820 |
| Equity capital to assets | 9.8135% | 4,197 |
| Core capital (leverage) ratio | 9.6338% | 4,042 |
| Tier 1 risk-based capital ratio | 12.3411% | 4,240 |
| Total risk-based capital ratio | 13.5368% | 4,144 |
| Memoranda: | ||
| Average total assets | $225,193,750 | 2,640 |
| Average earning assets | $206,976,250 | 2,658 |
| Average equity | $22,346,750 | 2,949 |
| Average total loans | $177,200,000 | 2,372 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8415% | 1,929 |
| Cost of funding earning assets | 0.7446% | 2,920 |
| Net interest margin | 4.0968% | 1,616 |
| Noninterest income to average assets | 0.5657% | 2,310 |
| Noninterest expense to average assets | 3.2073% | 1,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8796% | 3,360 |
| Return on assets (ROA) | 0.8796% | 3,427 |
| Pretax return on assets | 1.1259% | 3,153 |
| Return on Equity (ROE) | 8.8298% | 2,925 |
| Retained earnings to average equity (ytd only) | 5.2073% | 2,667 |
| Net charge-offs to loans | -0.0023% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0162% | 1,647 |
| Assets per employee ($millions) | 3.4523% | 4,553 |
| Cash dividends to net income (ytd only)* | 41.0256% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,374 |
| Loan loss allowance to noncurrent loans | 243.9294% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 2,456 |
| Noncurrent loans to loans | 0.5030% | 2,772 |
| Net loans and leases to total assets | 76.9154% | 1,399 |
| Net loans and leases to deposits | 88.9423% | 1,871 |
| Net loans and leases to core deposits | 99.3894% | 1,776 |
| Total domestic deposits to total assets | 86.4778% | 1,828 |
| Equity capital to assets | 9.7064% | 4,229 |
| Core capital (leverage) ratio | 9.8437% | 3,767 |
| Tier 1 risk-based capital ratio | 12.3356% | 4,224 |
| Total risk-based capital ratio | 13.5644% | 4,099 |
| Memoranda: | ||
| Average total assets | $221,679,670 | 2,677 |
| Average earning assets | $203,864,330 | 2,695 |
| Average equity | $22,084,330 | 2,964 |
| Average total loans | $174,941,670 | 2,405 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 1,985 |
| Cost of funding earning assets | 0.7257% | 2,915 |
| Net interest margin | 4.0455% | 1,700 |
| Noninterest income to average assets | 0.6345% | 1,888 |
| Noninterest expense to average assets | 3.2978% | 1,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8318% | 3,512 |
| Return on assets (ROA) | 0.8318% | 3,551 |
| Pretax return on assets | 1.0587% | 3,271 |
| Return on Equity (ROE) | 8.2371% | 3,148 |
| Retained earnings to average equity (ytd only) | 5.4975% | 2,696 |
| Net charge-offs to loans | -0.0023% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6986% | 1,529 |
| Assets per employee ($millions) | 3.4236% | 4,635 |
| Cash dividends to net income (ytd only)* | 33.2594% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 2,174 |
| Loan loss allowance to noncurrent loans | 1,544.7552% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 3,797 |
| Noncurrent loans to loans | 0.0830% | 4,384 |
| Net loans and leases to total assets | 76.4611% | 1,403 |
| Net loans and leases to deposits | 88.7757% | 1,773 |
| Net loans and leases to core deposits | 99.0327% | 1,703 |
| Total domestic deposits to total assets | 86.1284% | 2,213 |
| Equity capital to assets | 9.9248% | 3,895 |
| Core capital (leverage) ratio | 10.0519% | 3,544 |
| Tier 1 risk-based capital ratio | 12.7296% | 4,025 |
| Total risk-based capital ratio | 13.9797% | 3,922 |
| Memoranda: | ||
| Average total assets | $216,869,000 | 2,743 |
| Average earning assets | $199,532,500 | 2,768 |
| Average equity | $21,901,000 | 2,984 |
| Average total loans | $172,354,500 | 2,454 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 1,593 |
| Cost of funding earning assets | 0.5570% | 3,005 |
| Net interest margin | 4.2236% | 1,342 |
| Noninterest income to average assets | 0.5747% | 2,419 |
| Noninterest expense to average assets | 3.0873% | 1,835 |
| Loan and lease loss provision to assets | 0.0194% | 3,776 |
| Net operating income to assets | 1.0761% | 2,694 |
| Return on assets (ROA) | 1.0764% | 2,680 |
| Pretax return on assets | 1.3837% | 2,195 |
| Return on Equity (ROE) | 10.5105% | 2,278 |
| Retained earnings to average equity (ytd only) | 6.2380% | 2,073 |
| Net charge-offs to loans | -0.0130% | 4,568 |
| Credit loss provision to net charge-offs | -181.8182% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7602% | 2,422 |
| Assets per employee ($millions) | 3.3001% | 4,740 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 2,138 |
| Loan loss allowance to noncurrent loans | 855.8140% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 3,500 |
| Noncurrent loans to loans | 0.1497% | 4,073 |
| Net loans and leases to total assets | 80.5572% | 859 |
| Net loans and leases to deposits | 94.0608% | 1,272 |
| Net loans and leases to core deposits | 104.9670% | 1,349 |
| Total domestic deposits to total assets | 85.6437% | 2,382 |
| Equity capital to assets | 10.2820% | 3,393 |
| Core capital (leverage) ratio | 10.3708% | 3,173 |
| Tier 1 risk-based capital ratio | 13.0585% | 3,815 |
| Total risk-based capital ratio | 14.3094% | 3,704 |
| Memoranda: | ||
| Average total assets | $205,678,400 | 2,808 |
| Average earning assets | $190,665,000 | 2,825 |
| Average equity | $21,064,600 | 2,984 |
| Average total loans | $169,239,600 | 2,445 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 1,569 |
| Cost of funding earning assets | 0.5287% | 3,007 |
| Net interest margin | 4.2120% | 1,320 |
| Noninterest income to average assets | 0.5900% | 2,367 |
| Noninterest expense to average assets | 3.0824% | 1,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1011% | 2,663 |
| Return on assets (ROA) | 1.1016% | 2,675 |
| Pretax return on assets | 1.4182% | 2,170 |
| Return on Equity (ROE) | 10.7676% | 2,282 |
| Retained earnings to average equity (ytd only) | 5.6645% | 2,847 |
| Net charge-offs to loans | -0.0174% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4989% | 2,446 |
| Assets per employee ($millions) | 3.5200% | 4,533 |
| Cash dividends to net income (ytd only)* | 47.3934% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 2,207 |
| Loan loss allowance to noncurrent loans | 703.5714% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 3,139 |
| Noncurrent loans to loans | 0.1815% | 4,077 |
| Net loans and leases to total assets | 80.6620% | 918 |
| Net loans and leases to deposits | 94.4290% | 1,326 |
| Net loans and leases to core deposits | 106.6036% | 1,262 |
| Total domestic deposits to total assets | 85.4208% | 2,448 |
| Equity capital to assets | 10.2008% | 3,455 |
| Core capital (leverage) ratio | 10.1067% | 3,514 |
| Tier 1 risk-based capital ratio | 12.8051% | 4,018 |
| Total risk-based capital ratio | 14.0557% | 3,918 |
| Memoranda: | ||
| Average total assets | $204,297,000 | 2,841 |
| Average earning assets | $189,644,500 | 2,848 |
| Average equity | $20,901,750 | 3,028 |
| Average total loans | $168,462,500 | 2,466 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 1,621 |
| Cost of funding earning assets | 0.5041% | 2,979 |
| Net interest margin | 4.1546% | 1,397 |
| Noninterest income to average assets | 0.5828% | 2,418 |
| Noninterest expense to average assets | 3.0438% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0838% | 2,648 |
| Return on assets (ROA) | 1.0838% | 2,656 |
| Pretax return on assets | 1.3929% | 2,170 |
| Return on Equity (ROE) | 10.5828% | 2,288 |
| Retained earnings to average equity (ytd only) | 6.7380% | 2,193 |
| Net charge-offs to loans | -0.0095% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6044% | 2,544 |
| Assets per employee ($millions) | 3.4199% | 4,696 |
| Cash dividends to net income (ytd only)* | 36.3306% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 2,214 |
| Loan loss allowance to noncurrent loans | 325.8699% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 2,529 |
| Noncurrent loans to loans | 0.3959% | 3,271 |
| Net loans and leases to total assets | 80.3155% | 969 |
| Net loans and leases to deposits | 94.0790% | 1,349 |
| Net loans and leases to core deposits | 111.0878% | 934 |
| Total domestic deposits to total assets | 85.3703% | 2,536 |
| Equity capital to assets | 10.2631% | 3,376 |
| Core capital (leverage) ratio | 10.4863% | 3,043 |
| Tier 1 risk-based capital ratio | 13.5059% | 3,613 |
| Total risk-based capital ratio | 14.7574% | 3,524 |
| Memoranda: | ||
| Average total assets | $203,169,670 | 2,872 |
| Average earning assets | $188,465,670 | 2,872 |
| Average equity | $20,807,330 | 3,049 |
| Average total loans | $168,055,000 | 2,479 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5478% | 1,721 |
| Cost of funding earning assets | 0.4682% | 3,060 |
| Net interest margin | 4.0796% | 1,490 |
| Noninterest income to average assets | 0.6094% | 2,214 |
| Noninterest expense to average assets | 3.0689% | 1,905 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0388% | 2,693 |
| Return on assets (ROA) | 1.0388% | 2,712 |
| Pretax return on assets | 1.3336% | 2,235 |
| Return on Equity (ROE) | 10.1540% | 2,357 |
| Retained earnings to average equity (ytd only) | 10.1540% | 1,117 |
| Net charge-offs to loans | -0.0095% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7079% | 2,529 |
| Assets per employee ($millions) | 3.4000% | 4,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 2,359 |
| Loan loss allowance to noncurrent loans | 277.0619% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.6132% | 2,470 |
| Noncurrent loans to loans | 0.4606% | 3,151 |
| Net loans and leases to total assets | 81.5390% | 719 |
| Net loans and leases to deposits | 95.4167% | 1,085 |
| Net loans and leases to core deposits | 114.2220% | 794 |
| Total domestic deposits to total assets | 85.4557% | 2,771 |
| Equity capital to assets | 10.2364% | 3,354 |
| Core capital (leverage) ratio | 10.5160% | 2,927 |
| Tier 1 risk-based capital ratio | 13.4835% | 3,661 |
| Total risk-based capital ratio | 14.7353% | 3,576 |
| Memoranda: | ||
| Average total assets | $202,158,500 | 2,915 |
| Average earning assets | $187,960,000 | 2,907 |
| Average equity | $20,681,500 | 3,089 |
| Average total loans | $168,605,000 | 2,490 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 1,717 |
| Cost of funding earning assets | 0.4232% | 3,022 |
| Net interest margin | 4.0720% | 1,527 |
| Noninterest income to average assets | 0.7487% | 1,779 |
| Noninterest expense to average assets | 2.9637% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9788% | 2,334 |
| Return on assets (ROA) | 0.9788% | 2,373 |
| Pretax return on assets | 1.5698% | 1,383 |
| Return on Equity (ROE) | 9.6594% | 2,031 |
| Retained earnings to average equity (ytd only) | 3.4066% | 3,244 |
| Net charge-offs to loans | -0.0219% | 4,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3734% | 3,369 |
| Assets per employee ($millions) | 3.5771% | 4,605 |
| Cash dividends to net income (ytd only)* | 64.7333% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 2,368 |
| Loan loss allowance to noncurrent loans | 815.9696% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.3714% | 3,378 |
| Noncurrent loans to loans | 0.1559% | 4,308 |
| Net loans and leases to total assets | 83.1554% | 534 |
| Net loans and leases to deposits | 97.2849% | 965 |
| Net loans and leases to core deposits | 117.6933% | 662 |
| Total domestic deposits to total assets | 85.4762% | 2,662 |
| Equity capital to assets | 10.2242% | 3,467 |
| Core capital (leverage) ratio | 10.1894% | 3,207 |
| Tier 1 risk-based capital ratio | 13.1564% | 3,813 |
| Total risk-based capital ratio | 14.4078% | 3,732 |
| Memoranda: | ||
| Average total assets | $197,286,200 | 2,945 |
| Average earning assets | $183,374,000 | 2,928 |
| Average equity | $19,990,800 | 3,149 |
| Average total loans | $164,428,400 | 2,491 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4771% | 1,708 |
| Cost of funding earning assets | 0.4187% | 2,997 |
| Net interest margin | 4.0583% | 1,515 |
| Noninterest income to average assets | 0.8467% | 1,430 |
| Noninterest expense to average assets | 3.0217% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0916% | 2,123 |
| Return on assets (ROA) | 1.0916% | 2,181 |
| Pretax return on assets | 1.5991% | 1,427 |
| Return on Equity (ROE) | 10.7975% | 1,778 |
| Retained earnings to average equity (ytd only) | 2.4091% | 4,445 |
| Net charge-offs to loans | -0.0506% | 5,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3942% | 3,315 |
| Assets per employee ($millions) | 3.9087% | 4,141 |
| Cash dividends to net income (ytd only)* | 77.6882% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 2,297 |
| Loan loss allowance to noncurrent loans | 264.5554% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 2,568 |
| Noncurrent loans to loans | 0.4961% | 3,208 |
| Net loans and leases to total assets | 80.3588% | 932 |
| Net loans and leases to deposits | 94.1660% | 1,285 |
| Net loans and leases to core deposits | 114.4096% | 816 |
| Total domestic deposits to total assets | 85.3373% | 2,581 |
| Equity capital to assets | 9.9389% | 3,977 |
| Core capital (leverage) ratio | 9.9248% | 3,662 |
| Tier 1 risk-based capital ratio | 13.0802% | 3,956 |
| Total risk-based capital ratio | 14.3323% | 3,860 |
| Memoranda: | ||
| Average total assets | $196,528,000 | 2,981 |
| Average earning assets | $182,763,250 | 2,960 |
| Average equity | $19,868,250 | 3,180 |
| Average total loans | $163,355,000 | 2,511 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 1,662 |
| Cost of funding earning assets | 0.4109% | 2,969 |
| Net interest margin | 4.0405% | 1,487 |
| Noninterest income to average assets | 0.6825% | 2,074 |
| Noninterest expense to average assets | 3.0223% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9728% | 2,558 |
| Return on assets (ROA) | 0.9728% | 2,602 |
| Pretax return on assets | 1.4154% | 1,949 |
| Return on Equity (ROE) | 9.5661% | 2,234 |
| Retained earnings to average equity (ytd only) | 1.9740% | 4,467 |
| Net charge-offs to loans | -0.0590% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1048% | 2,994 |
| Assets per employee ($millions) | 3.6614% | 4,493 |
| Cash dividends to net income (ytd only)* | 79.3651% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,412 |
| Loan loss allowance to noncurrent loans | 705.2288% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 3,486 |
| Noncurrent loans to loans | 0.1843% | 4,380 |
| Net loans and leases to total assets | 82.8769% | 569 |
| Net loans and leases to deposits | 97.2042% | 973 |
| Net loans and leases to core deposits | 121.1731% | 507 |
| Total domestic deposits to total assets | 85.2606% | 2,710 |
| Equity capital to assets | 10.1393% | 3,752 |
| Core capital (leverage) ratio | 10.2808% | 3,168 |
| Tier 1 risk-based capital ratio | 12.8109% | 4,112 |
| Total risk-based capital ratio | 14.0623% | 4,024 |
| Memoranda: | ||
| Average total assets | $194,287,000 | 3,018 |
| Average earning assets | $180,572,000 | 2,993 |
| Average equity | $19,757,330 | 3,184 |
| Average total loans | $162,639,330 | 2,524 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 1,651 |
| Cost of funding earning assets | 0.4046% | 2,952 |
| Net interest margin | 3.9941% | 1,489 |
| Noninterest income to average assets | 0.7104% | 1,917 |
| Noninterest expense to average assets | 3.0887% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9202% | 2,666 |
| Return on assets (ROA) | 0.9202% | 2,720 |
| Pretax return on assets | 1.3335% | 2,125 |
| Return on Equity (ROE) | 9.0351% | 2,402 |
| Retained earnings to average equity (ytd only) | -6.2613% | 5,453 |
| Net charge-offs to loans | -0.0075% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8450% | 2,920 |
| Assets per employee ($millions) | 3.6393% | 4,590 |
| Cash dividends to net income (ytd only)* | 169.3002% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,572 |
| Loan loss allowance to noncurrent loans | 550.2604% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 3,366 |
| Noncurrent loans to loans | 0.2349% | 4,270 |
| Net loans and leases to total assets | 83.6530% | 405 |
| Net loans and leases to deposits | 97.5562% | 806 |
| Net loans and leases to core deposits | 120.3973% | 455 |
| Total domestic deposits to total assets | 85.7485% | 2,775 |
| Equity capital to assets | 10.0936% | 3,638 |
| Core capital (leverage) ratio | 10.1407% | 3,327 |
| Tier 1 risk-based capital ratio | 12.4878% | 4,396 |
| Total risk-based capital ratio | 13.7382% | 4,303 |
| Memoranda: | ||
| Average total assets | $192,573,000 | 3,060 |
| Average earning assets | $178,963,000 | 3,047 |
| Average equity | $19,612,500 | 3,216 |
| Average total loans | $160,950,000 | 2,566 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 1,457 |
| Cost of funding earning assets | 0.4128% | 2,883 |
| Net interest margin | 4.1130% | 1,354 |
| Noninterest income to average assets | 0.5508% | 2,909 |
| Noninterest expense to average assets | 3.0150% | 2,308 |
| Loan and lease loss provision to assets | 0.0108% | 4,159 |
| Net operating income to assets | 0.9349% | 2,652 |
| Return on assets (ROA) | 0.9349% | 2,761 |
| Pretax return on assets | 1.3249% | 2,198 |
| Return on Equity (ROE) | 8.9844% | 2,431 |
| Retained earnings to average equity (ytd only) | 6.3922% | 1,502 |
| Net charge-offs to loans | 0.2319% | 1,197 |
| Credit loss provision to net charge-offs | 5.6818% | 3,762 |
| Earnings coverage of net charge-offs (x) | 7.0341% | 3,083 |
| Efficiency ratio | 69.2994% | 3,020 |
| Assets per employee ($millions) | 3.6276% | 4,570 |
| Cash dividends to net income (ytd only)* | 28.8517% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 2,374 |
| Loan loss allowance to noncurrent loans | 645.2599% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 3,492 |
| Noncurrent loans to loans | 0.2064% | 4,420 |
| Net loans and leases to total assets | 81.3077% | 697 |
| Net loans and leases to deposits | 94.8458% | 1,107 |
| Net loans and leases to core deposits | 115.6466% | 632 |
| Total domestic deposits to total assets | 85.7262% | 2,713 |
| Equity capital to assets | 10.2756% | 3,420 |
| Core capital (leverage) ratio | 10.2643% | 3,153 |
| Tier 1 risk-based capital ratio | 13.0841% | 4,011 |
| Total risk-based capital ratio | 14.3361% | 3,926 |
| Memoranda: | ||
| Average total assets | $185,373,000 | 3,106 |
| Average earning assets | $171,263,400 | 3,096 |
| Average equity | $19,289,000 | 3,238 |
| Average total loans | $151,769,000 | 2,622 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5441% | 1,420 |
| Cost of funding earning assets | 0.4147% | 2,887 |
| Net interest margin | 4.1293% | 1,314 |
| Noninterest income to average assets | 0.6135% | 2,593 |
| Noninterest expense to average assets | 3.0514% | 2,156 |
| Loan and lease loss provision to assets | 0.0145% | 3,960 |
| Net operating income to assets | 0.9489% | 2,659 |
| Return on assets (ROA) | 0.9489% | 2,798 |
| Pretax return on assets | 1.3569% | 2,205 |
| Return on Equity (ROE) | 9.0893% | 2,451 |
| Retained earnings to average equity (ytd only) | 5.6121% | 2,427 |
| Net charge-offs to loans | 0.2993% | 768 |
| Credit loss provision to net charge-offs | 5.9347% | 3,388 |
| Earnings coverage of net charge-offs (x) | 5.6054% | 3,105 |
| Efficiency ratio | 68.9921% | 3,044 |
| Assets per employee ($millions) | 3.5153% | 4,756 |
| Cash dividends to net income (ytd only)* | 38.2556% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 2,244 |
| Loan loss allowance to noncurrent loans | 479.6840% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.5189% | 3,379 |
| Noncurrent loans to loans | 0.2898% | 4,222 |
| Net loans and leases to total assets | 79.3987% | 987 |
| Net loans and leases to deposits | 93.4217% | 1,330 |
| Net loans and leases to core deposits | 113.5460% | 744 |
| Total domestic deposits to total assets | 84.9896% | 2,810 |
| Equity capital to assets | 10.2593% | 3,847 |
| Core capital (leverage) ratio | 10.2130% | 3,321 |
| Tier 1 risk-based capital ratio | 13.1649% | 4,056 |
| Total risk-based capital ratio | 14.4171% | 3,961 |
| Memoranda: | ||
| Average total assets | $183,651,000 | 3,133 |
| Average earning assets | $169,418,250 | 3,132 |
| Average equity | $19,172,250 | 3,274 |
| Average total loans | $150,103,000 | 2,642 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 1,291 |
| Cost of funding earning assets | 0.4223% | 2,814 |
| Net interest margin | 4.1660% | 1,188 |
| Noninterest income to average assets | 0.6685% | 2,285 |
| Noninterest expense to average assets | 3.1037% | 2,052 |
| Loan and lease loss provision to assets | 0.0220% | 3,686 |
| Net operating income to assets | 0.9769% | 2,486 |
| Return on assets (ROA) | 0.9769% | 2,633 |
| Pretax return on assets | 1.3778% | 2,104 |
| Return on Equity (ROE) | 9.3019% | 2,363 |
| Retained earnings to average equity (ytd only) | 9.3019% | 772 |
| Net charge-offs to loans | 0.4330% | 522 |
| Credit loss provision to net charge-offs | 6.1920% | 3,021 |
| Earnings coverage of net charge-offs (x) | 3.9350% | 3,042 |
| Efficiency ratio | 68.9166% | 3,169 |
| Assets per employee ($millions) | 3.4935% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 2,085 |
| Loan loss allowance to noncurrent loans | 355.3156% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 3,149 |
| Noncurrent loans to loans | 0.4067% | 3,899 |
| Net loans and leases to total assets | 78.7870% | 1,101 |
| Net loans and leases to deposits | 93.1860% | 1,377 |
| Net loans and leases to core deposits | 113.1513% | 767 |
| Total domestic deposits to total assets | 84.5481% | 3,076 |
| Equity capital to assets | 10.5755% | 3,554 |
| Core capital (leverage) ratio | 10.7906% | 2,664 |
| Tier 1 risk-based capital ratio | 13.6741% | 3,784 |
| Total risk-based capital ratio | 14.9265% | 3,711 |
| Memoranda: | ||
| Average total assets | $181,592,000 | 3,177 |
| Average earning assets | $167,164,000 | 3,179 |
| Average equity | $19,071,330 | 3,288 |
| Average total loans | $149,188,670 | 2,660 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 1,291 |
| Cost of funding earning assets | 0.4340% | 2,735 |
| Net interest margin | 4.1544% | 1,208 |
| Noninterest income to average assets | 0.5472% | 2,823 |
| Noninterest expense to average assets | 3.1611% | 1,928 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8320% | 3,084 |
| Return on assets (ROA) | 0.8320% | 3,215 |
| Pretax return on assets | 1.2191% | 2,623 |
| Return on Equity (ROE) | 7.9505% | 2,946 |
| Retained earnings to average equity (ytd only) | 7.9505% | 1,477 |
| Net charge-offs to loans | 0.7531% | 272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.9433% | 2,750 |
| Efficiency ratio | 72.1686% | 2,777 |
| Assets per employee ($millions) | 3.4148% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 2,237 |
| Loan loss allowance to noncurrent loans | 457.6271% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.8714% | 2,513 |
| Noncurrent loans to loans | 0.3152% | 4,302 |
| Net loans and leases to total assets | 81.5501% | 621 |
| Net loans and leases to deposits | 97.0668% | 834 |
| Net loans and leases to core deposits | 117.8541% | 533 |
| Total domestic deposits to total assets | 84.0144% | 3,514 |
| Equity capital to assets | 10.5099% | 3,478 |
| Core capital (leverage) ratio | 10.5555% | 2,903 |
| Tier 1 risk-based capital ratio | 13.2593% | 4,114 |
| Total risk-based capital ratio | 14.5122% | 4,041 |
| Memoranda: | ||
| Average total assets | $179,810,500 | 3,204 |
| Average earning assets | $165,894,500 | 3,200 |
| Average equity | $18,816,500 | 3,328 |
| Average total loans | $149,774,500 | 2,653 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 1,192 |
| Cost of funding earning assets | 0.4453% | 2,677 |
| Net interest margin | 4.2159% | 1,135 |
| Noninterest income to average assets | 0.4861% | 3,428 |
| Noninterest expense to average assets | 2.9726% | 2,635 |
| Loan and lease loss provision to assets | 0.0228% | 3,927 |
| Net operating income to assets | 0.9319% | 2,696 |
| Return on assets (ROA) | 0.9323% | 2,776 |
| Pretax return on assets | 1.3693% | 2,029 |
| Return on Equity (ROE) | 8.8941% | 2,503 |
| Retained earnings to average equity (ytd only) | 0.7294% | 5,223 |
| Net charge-offs to loans | 0.1362% | 1,997 |
| Credit loss provision to net charge-offs | 20.1005% | 3,748 |
| Earnings coverage of net charge-offs (x) | 12.2563% | 2,483 |
| Efficiency ratio | 68.1135% | 3,550 |
| Assets per employee ($millions) | 3.3081% | 5,140 |
| Cash dividends to net income (ytd only)* | 91.7993% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 1,529 |
| Loan loss allowance to noncurrent loans | 159.0879% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 1.0759% | 2,036 |
| Noncurrent loans to loans | 1.0247% | 2,290 |
| Net loans and leases to total assets | 82.4881% | 548 |
| Net loans and leases to deposits | 98.0171% | 813 |
| Net loans and leases to core deposits | 118.9544% | 506 |
| Total domestic deposits to total assets | 84.1569% | 3,421 |
| Equity capital to assets | 10.4188% | 3,459 |
| Core capital (leverage) ratio | 10.3052% | 3,153 |
| Tier 1 risk-based capital ratio | 12.8536% | 4,416 |
| Total risk-based capital ratio | 14.1092% | 4,307 |
| Memoranda: | ||
| Average total assets | $175,267,000 | 3,228 |
| Average earning assets | $161,224,000 | 3,241 |
| Average equity | $18,371,800 | 3,330 |
| Average total loans | $146,123,600 | 2,653 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6728% | 1,149 |
| Cost of funding earning assets | 0.4493% | 2,693 |
| Net interest margin | 4.2235% | 1,115 |
| Noninterest income to average assets | 0.4885% | 3,451 |
| Noninterest expense to average assets | 3.0156% | 2,470 |
| Loan and lease loss provision to assets | 0.0115% | 4,047 |
| Net operating income to assets | 0.9152% | 2,890 |
| Return on assets (ROA) | 0.9158% | 2,972 |
| Pretax return on assets | 1.3423% | 2,238 |
| Return on Equity (ROE) | 8.7228% | 2,723 |
| Retained earnings to average equity (ytd only) | -2.1989% | 5,877 |
| Net charge-offs to loans | 0.1855% | 1,374 |
| Credit loss provision to net charge-offs | 7.4257% | 3,473 |
| Earnings coverage of net charge-offs (x) | 8.7623% | 2,771 |
| Efficiency ratio | 69.0289% | 3,370 |
| Assets per employee ($millions) | 3.4626% | 4,868 |
| Cash dividends to net income (ytd only)* | 125.2089% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 1,625 |
| Loan loss allowance to noncurrent loans | 155.7419% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 1.1746% | 2,016 |
| Noncurrent loans to loans | 1.0563% | 2,369 |
| Net loans and leases to total assets | 80.1554% | 805 |
| Net loans and leases to deposits | 95.0475% | 1,092 |
| Net loans and leases to core deposits | 114.6403% | 646 |
| Total domestic deposits to total assets | 84.3319% | 3,292 |
| Equity capital to assets | 10.0942% | 4,056 |
| Core capital (leverage) ratio | 10.1932% | 3,378 |
| Tier 1 risk-based capital ratio | 12.7444% | 4,581 |
| Total risk-based capital ratio | 13.9996% | 4,486 |
| Memoranda: | ||
| Average total assets | $174,424,000 | 3,266 |
| Average earning assets | $160,241,500 | 3,284 |
| Average equity | $18,311,750 | 3,365 |
| Average total loans | $145,205,000 | 2,678 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 1,079 |
| Cost of funding earning assets | 0.4554% | 2,657 |
| Net interest margin | 4.2375% | 1,026 |
| Noninterest income to average assets | 0.4497% | 3,709 |
| Noninterest expense to average assets | 3.0287% | 2,469 |
| Loan and lease loss provision to assets | 0.0174% | 3,782 |
| Net operating income to assets | 0.8894% | 2,941 |
| Return on assets (ROA) | 0.8902% | 3,055 |
| Pretax return on assets | 1.2982% | 2,369 |
| Return on Equity (ROE) | 8.3672% | 2,863 |
| Retained earnings to average equity (ytd only) | -7.9750% | 6,124 |
| Net charge-offs to loans | 0.0581% | 2,566 |
| Credit loss provision to net charge-offs | 35.7143% | 2,866 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,461 |
| Efficiency ratio | 69.7358% | 3,372 |
| Assets per employee ($millions) | 3.3767% | 5,031 |
| Cash dividends to net income (ytd only)* | 195.3125% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7466% | 1,499 |
| Loan loss allowance to noncurrent loans | 95.8302% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.7598% | 1,332 |
| Noncurrent loans to loans | 1.8226% | 1,394 |
| Net loans and leases to total assets | 82.4631% | 513 |
| Net loans and leases to deposits | 97.9854% | 794 |
| Net loans and leases to core deposits | 118.0282% | 527 |
| Total domestic deposits to total assets | 84.1586% | 3,495 |
| Equity capital to assets | 10.0866% | 3,936 |
| Core capital (leverage) ratio | 10.2597% | 3,271 |
| Tier 1 risk-based capital ratio | 12.1531% | 5,033 |
| Total risk-based capital ratio | 13.4093% | 4,930 |
| Memoranda: | ||
| Average total assets | $172,547,330 | 3,309 |
| Average earning assets | $158,537,000 | 3,318 |
| Average equity | $18,357,330 | 3,376 |
| Average total loans | $144,694,330 | 2,688 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6407% | 1,144 |
| Cost of funding earning assets | 0.4552% | 2,720 |
| Net interest margin | 4.1855% | 1,095 |
| Noninterest income to average assets | 0.5145% | 3,192 |
| Noninterest expense to average assets | 3.0077% | 2,557 |
| Loan and lease loss provision to assets | 0.0351% | 3,201 |
| Net operating income to assets | 0.9004% | 2,736 |
| Return on assets (ROA) | 0.9004% | 2,862 |
| Pretax return on assets | 1.3214% | 2,195 |
| Return on Equity (ROE) | 8.2439% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.2439% | 1,475 |
| Net charge-offs to loans | 0.1256% | 1,506 |
| Credit loss provision to net charge-offs | 33.3333% | 2,246 |
| Earnings coverage of net charge-offs (x) | 12.8889% | 1,760 |
| Efficiency ratio | 68.9175% | 3,675 |
| Assets per employee ($millions) | 3.3846% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7968% | 1,506 |
| Loan loss allowance to noncurrent loans | 132.8682% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.3707% | 1,934 |
| Noncurrent loans to loans | 1.3523% | 2,124 |
| Net loans and leases to total assets | 81.4045% | 529 |
| Net loans and leases to deposits | 97.8469% | 684 |
| Net loans and leases to core deposits | 118.0943% | 454 |
| Total domestic deposits to total assets | 83.1957% | 4,119 |
| Equity capital to assets | 10.9404% | 3,038 |
| Core capital (leverage) ratio | 11.0777% | 2,338 |
| Tier 1 risk-based capital ratio | 13.2391% | 4,472 |
| Total risk-based capital ratio | 14.4955% | 4,386 |
| Memoranda: | ||
| Average total assets | $171,026,000 | 3,342 |
| Average earning assets | $157,305,500 | 3,357 |
| Average equity | $18,680,500 | 3,372 |
| Average total loans | $143,356,000 | 2,711 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7654% | 1,180 |
| Cost of funding earning assets | 0.4445% | 3,226 |
| Net interest margin | 4.3209% | 1,020 |
| Noninterest income to average assets | 0.5400% | 3,235 |
| Noninterest expense to average assets | 3.0153% | 2,799 |
| Loan and lease loss provision to assets | 0.0898% | 2,674 |
| Net operating income to assets | 0.9504% | 2,631 |
| Return on assets (ROA) | 0.9504% | 2,712 |
| Pretax return on assets | 1.4066% | 1,862 |
| Return on Equity (ROE) | 9.0760% | 2,551 |
| Retained earnings to average equity (ytd only) | 9.0760% | 689 |
| Net charge-offs to loans | 0.3818% | 1,122 |
| Credit loss provision to net charge-offs | 28.5444% | 3,860 |
| Earnings coverage of net charge-offs (x) | 4.7561% | 3,573 |
| Efficiency ratio | 66.8336% | 4,086 |
| Assets per employee ($millions) | 3.2584% | 5,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8110% | 1,512 |
| Loan loss allowance to noncurrent loans | 94.3759% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.8644% | 1,387 |
| Noncurrent loans to loans | 1.9189% | 1,467 |
| Net loans and leases to total assets | 83.2307% | 408 |
| Net loans and leases to deposits | 99.9816% | 624 |
| Net loans and leases to core deposits | 120.4472% | 401 |
| Total domestic deposits to total assets | 83.2461% | 3,993 |
| Equity capital to assets | 10.9045% | 3,006 |
| Core capital (leverage) ratio | 10.8370% | 2,573 |
| Tier 1 risk-based capital ratio | 13.4054% | 4,463 |
| Total risk-based capital ratio | 14.6633% | 4,404 |
| Memoranda: | ||
| Average total assets | $168,141,600 | 3,364 |
| Average earning assets | $154,552,200 | 3,371 |
| Average equity | $17,606,800 | 3,438 |
| Average total loans | $138,548,600 | 2,732 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 1,196 |
| Cost of funding earning assets | 0.4443% | 3,318 |
| Net interest margin | 4.3023% | 1,047 |
| Noninterest income to average assets | 0.5633% | 3,112 |
| Noninterest expense to average assets | 3.0731% | 2,553 |
| Loan and lease loss provision to assets | 0.0215% | 3,980 |
| Net operating income to assets | 0.9597% | 2,643 |
| Return on assets (ROA) | 0.9597% | 2,717 |
| Pretax return on assets | 1.4229% | 1,917 |
| Return on Equity (ROE) | 9.2621% | 2,560 |
| Retained earnings to average equity (ytd only) | 9.2621% | 908 |
| Net charge-offs to loans | 0.1321% | 2,474 |
| Credit loss provision to net charge-offs | 19.8529% | 3,580 |
| Earnings coverage of net charge-offs (x) | 13.3676% | 2,235 |
| Efficiency ratio | 68.0267% | 3,848 |
| Assets per employee ($millions) | 3.3484% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 1,172 |
| Loan loss allowance to noncurrent loans | 90.5393% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 2.0355% | 1,396 |
| Noncurrent loans to loans | 2.2592% | 1,333 |
| Net loans and leases to total assets | 80.5105% | 659 |
| Net loans and leases to deposits | 95.7324% | 903 |
| Net loans and leases to core deposits | 115.4548% | 532 |
| Total domestic deposits to total assets | 84.0996% | 3,719 |
| Equity capital to assets | 10.5716% | 3,465 |
| Core capital (leverage) ratio | 10.6919% | 2,827 |
| Tier 1 risk-based capital ratio | 13.3696% | 4,624 |
| Total risk-based capital ratio | 14.6305% | 4,553 |
| Memoranda: | ||
| Average total assets | $167,818,250 | 3,394 |
| Average earning assets | $154,238,500 | 3,399 |
| Average equity | $17,389,500 | 3,486 |
| Average total loans | $137,280,000 | 2,761 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7512% | 1,170 |
| Cost of funding earning assets | 0.4437% | 3,401 |
| Net interest margin | 4.3076% | 1,008 |
| Noninterest income to average assets | 0.5670% | 3,005 |
| Noninterest expense to average assets | 3.0953% | 2,518 |
| Loan and lease loss provision to assets | 0.0324% | 3,636 |
| Net operating income to assets | 0.9470% | 2,561 |
| Return on assets (ROA) | 0.9470% | 2,661 |
| Pretax return on assets | 1.3966% | 1,899 |
| Return on Equity (ROE) | 9.2030% | 2,504 |
| Retained earnings to average equity (ytd only) | 9.2030% | 915 |
| Net charge-offs to loans | 0.0558% | 3,163 |
| Credit loss provision to net charge-offs | 71.0526% | 2,459 |
| Earnings coverage of net charge-offs (x) | 31.3684% | 1,217 |
| Efficiency ratio | 68.4155% | 3,935 |
| Assets per employee ($millions) | 3.1963% | 5,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1372% | 1,111 |
| Loan loss allowance to noncurrent loans | 95.8656% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 2.0420% | 1,555 |
| Noncurrent loans to loans | 2.2293% | 1,469 |
| Net loans and leases to total assets | 81.7698% | 485 |
| Net loans and leases to deposits | 97.3560% | 711 |
| Net loans and leases to core deposits | 113.6478% | 556 |
| Total domestic deposits to total assets | 83.9905% | 3,917 |
| Equity capital to assets | 10.5952% | 3,317 |
| Core capital (leverage) ratio | 10.6390% | 2,775 |
| Tier 1 risk-based capital ratio | 13.2079% | 4,784 |
| Total risk-based capital ratio | 14.4644% | 4,711 |
| Memoranda: | ||
| Average total assets | $166,834,670 | 3,424 |
| Average earning assets | $153,265,670 | 3,426 |
| Average equity | $17,168,330 | 3,523 |
| Average total loans | $136,254,000 | 2,774 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6700% | 1,324 |
| Cost of funding earning assets | 0.4449% | 3,485 |
| Net interest margin | 4.2252% | 1,156 |
| Noninterest income to average assets | 0.5313% | 3,182 |
| Noninterest expense to average assets | 3.1182% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8783% | 2,755 |
| Return on assets (ROA) | 0.8783% | 2,819 |
| Pretax return on assets | 1.2994% | 2,094 |
| Return on Equity (ROE) | 8.6620% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.6620% | 1,359 |
| Net charge-offs to loans | -0.0148% | 5,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5850% | 3,728 |
| Assets per employee ($millions) | 3.2848% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2129% | 1,139 |
| Loan loss allowance to noncurrent loans | 96.1031% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 2.1710% | 1,531 |
| Noncurrent loans to loans | 2.3026% | 1,549 |
| Net loans and leases to total assets | 78.7123% | 690 |
| Net loans and leases to deposits | 93.2131% | 856 |
| Net loans and leases to core deposits | 108.5570% | 650 |
| Total domestic deposits to total assets | 84.4434% | 4,104 |
| Equity capital to assets | 10.2350% | 3,558 |
| Core capital (leverage) ratio | 10.5244% | 2,898 |
| Tier 1 risk-based capital ratio | 12.9618% | 5,027 |
| Total risk-based capital ratio | 14.2245% | 4,952 |
| Memoranda: | ||
| Average total assets | $167,148,000 | 3,443 |
| Average earning assets | $153,746,000 | 3,442 |
| Average equity | $16,947,500 | 3,559 |
| Average total loans | $134,943,000 | 2,812 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 1,039 |
| Cost of funding earning assets | 0.5248% | 3,353 |
| Net interest margin | 4.4050% | 904 |
| Noninterest income to average assets | 0.5027% | 3,738 |
| Noninterest expense to average assets | 3.1753% | 2,494 |
| Loan and lease loss provision to assets | 0.6686% | 349 |
| Net operating income to assets | 0.5031% | 4,723 |
| Return on assets (ROA) | 0.5027% | 4,855 |
| Pretax return on assets | 0.7151% | 4,483 |
| Return on Equity (ROE) | 5.0697% | 4,590 |
| Retained earnings to average equity (ytd only) | 5.0697% | 2,543 |
| Net charge-offs to loans | 0.4511% | 1,467 |
| Credit loss provision to net charge-offs | 181.0458% | 1,267 |
| Earnings coverage of net charge-offs (x) | 3.7484% | 3,757 |
| Efficiency ratio | 69.6400% | 3,893 |
| Assets per employee ($millions) | 3.2072% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2060% | 1,166 |
| Loan loss allowance to noncurrent loans | 95.8186% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 2.3271% | 1,502 |
| Noncurrent loans to loans | 2.3023% | 1,673 |
| Net loans and leases to total assets | 79.1866% | 683 |
| Net loans and leases to deposits | 94.5745% | 832 |
| Net loans and leases to core deposits | 109.7892% | 615 |
| Total domestic deposits to total assets | 83.7293% | 4,272 |
| Equity capital to assets | 10.0431% | 3,706 |
| Core capital (leverage) ratio | 10.0192% | 3,537 |
| Tier 1 risk-based capital ratio | 12.6539% | 5,201 |
| Total risk-based capital ratio | 13.9157% | 5,146 |
| Memoranda: | ||
| Average total assets | $165,714,400 | 3,477 |
| Average earning assets | $152,623,400 | 3,461 |
| Average equity | $16,430,800 | 3,639 |
| Average total loans | $135,682,800 | 2,764 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9731% | 991 |
| Cost of funding earning assets | 0.5396% | 3,364 |
| Net interest margin | 4.4335% | 835 |
| Noninterest income to average assets | 0.4642% | 4,045 |
| Noninterest expense to average assets | 3.2089% | 2,340 |
| Loan and lease loss provision to assets | 0.5673% | 449 |
| Net operating income to assets | 0.5389% | 4,624 |
| Return on assets (ROA) | 0.5383% | 4,775 |
| Pretax return on assets | 0.7720% | 4,410 |
| Return on Equity (ROE) | 5.4469% | 4,498 |
| Retained earnings to average equity (ytd only) | 5.4469% | 2,760 |
| Net charge-offs to loans | 0.3828% | 1,676 |
| Credit loss provision to net charge-offs | 180.5128% | 1,342 |
| Earnings coverage of net charge-offs (x) | 4.2641% | 3,485 |
| Efficiency ratio | 70.5403% | 3,665 |
| Assets per employee ($millions) | 3.2531% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0427% | 1,626 |
| Loan loss allowance to noncurrent loans | 70.0651% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 2.6809% | 1,410 |
| Noncurrent loans to loans | 2.9154% | 1,399 |
| Net loans and leases to total assets | 79.2917% | 623 |
| Net loans and leases to deposits | 94.4138% | 806 |
| Net loans and leases to core deposits | 110.1920% | 572 |
| Total domestic deposits to total assets | 83.9831% | 4,191 |
| Equity capital to assets | 9.8180% | 4,154 |
| Core capital (leverage) ratio | 9.9094% | 3,802 |
| Tier 1 risk-based capital ratio | 12.4321% | 5,499 |
| Total risk-based capital ratio | 13.6923% | 5,429 |
| Memoranda: | ||
| Average total assets | $165,450,000 | 3,517 |
| Average earning assets | $152,442,250 | 3,495 |
| Average equity | $16,351,250 | 3,694 |
| Average total loans | $135,843,500 | 2,774 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0231% | 880 |
| Cost of funding earning assets | 0.5597% | 3,321 |
| Net interest margin | 4.4633% | 760 |
| Noninterest income to average assets | 0.3836% | 4,640 |
| Noninterest expense to average assets | 3.2348% | 2,264 |
| Loan and lease loss provision to assets | 0.4494% | 646 |
| Net operating income to assets | 0.5635% | 4,485 |
| Return on assets (ROA) | 0.5627% | 4,658 |
| Pretax return on assets | 0.8160% | 4,249 |
| Return on Equity (ROE) | 5.6807% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.6807% | 2,622 |
| Net charge-offs to loans | 0.4990% | 1,309 |
| Credit loss provision to net charge-offs | 109.1716% | 2,025 |
| Earnings coverage of net charge-offs (x) | 3.0769% | 3,502 |
| Efficiency ratio | 71.8615% | 3,496 |
| Assets per employee ($millions) | 3.1871% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8431% | 2,279 |
| Loan loss allowance to noncurrent loans | 242.1965% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 1.1766% | 3,401 |
| Noncurrent loans to loans | 0.7610% | 4,398 |
| Net loans and leases to total assets | 80.7857% | 460 |
| Net loans and leases to deposits | 96.3833% | 643 |
| Net loans and leases to core deposits | 112.8600% | 468 |
| Total domestic deposits to total assets | 83.8171% | 4,398 |
| Equity capital to assets | 9.9137% | 4,028 |
| Core capital (leverage) ratio | 9.9869% | 3,548 |
| Tier 1 risk-based capital ratio | 12.2020% | 5,679 |
| Total risk-based capital ratio | 13.4595% | 5,620 |
| Memoranda: | ||
| Average total assets | $164,213,670 | 3,555 |
| Average earning assets | $151,500,670 | 3,526 |
| Average equity | $16,265,670 | 3,728 |
| Average total loans | $135,482,670 | 2,779 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 871 |
| Cost of funding earning assets | 0.5840% | 3,263 |
| Net interest margin | 4.4264% | 767 |
| Noninterest income to average assets | 0.4674% | 4,008 |
| Noninterest expense to average assets | 3.2596% | 2,188 |
| Loan and lease loss provision to assets | 0.5286% | 506 |
| Net operating income to assets | 0.5376% | 4,508 |
| Return on assets (ROA) | 0.5359% | 4,657 |
| Pretax return on assets | 0.7757% | 4,272 |
| Return on Equity (ROE) | 5.4129% | 4,347 |
| Retained earnings to average equity (ytd only) | 5.4129% | 2,996 |
| Net charge-offs to loans | 0.5747% | 1,060 |
| Credit loss provision to net charge-offs | 111.3402% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2.7526% | 2,952 |
| Efficiency ratio | 71.3826% | 3,738 |
| Assets per employee ($millions) | 3.1688% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8633% | 2,408 |
| Loan loss allowance to noncurrent loans | 193.1380% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 1.4601% | 3,066 |
| Noncurrent loans to loans | 0.9647% | 4,207 |
| Net loans and leases to total assets | 80.0674% | 414 |
| Net loans and leases to deposits | 95.4985% | 569 |
| Net loans and leases to core deposits | 111.6957% | 442 |
| Total domestic deposits to total assets | 83.8415% | 4,542 |
| Equity capital to assets | 9.8835% | 4,296 |
| Core capital (leverage) ratio | 9.9587% | 3,443 |
| Tier 1 risk-based capital ratio | 12.3037% | 5,717 |
| Total risk-based capital ratio | 13.5618% | 5,664 |
| Memoranda: | ||
| Average total assets | $163,455,000 | 3,599 |
| Average earning assets | $151,364,500 | 3,567 |
| Average equity | $16,183,500 | 3,787 |
| Average total loans | $135,023,500 | 2,802 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3307% | 874 |
| Cost of funding earning assets | 0.7592% | 3,021 |
| Net interest margin | 4.5716% | 822 |
| Noninterest income to average assets | 0.3905% | 4,682 |
| Noninterest expense to average assets | 3.2370% | 2,499 |
| Loan and lease loss provision to assets | 0.2669% | 2,510 |
| Net operating income to assets | 0.7333% | 3,593 |
| Return on assets (ROA) | 0.7333% | 3,835 |
| Pretax return on assets | 1.0963% | 3,171 |
| Return on Equity (ROE) | 7.7371% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.7371% | 1,218 |
| Net charge-offs to loans | 0.4434% | 2,456 |
| Credit loss provision to net charge-offs | 73.8983% | 4,043 |
| Earnings coverage of net charge-offs (x) | 3.7746% | 3,611 |
| Efficiency ratio | 70.3659% | 3,740 |
| Assets per employee ($millions) | 3.0591% | 5,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8310% | 2,496 |
| Loan loss allowance to noncurrent loans | 138.3287% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 1.6986% | 2,850 |
| Noncurrent loans to loans | 1.3237% | 3,629 |
| Net loans and leases to total assets | 82.1094% | 321 |
| Net loans and leases to deposits | 98.0468% | 505 |
| Net loans and leases to core deposits | 115.2928% | 378 |
| Total domestic deposits to total assets | 83.7451% | 4,417 |
| Equity capital to assets | 9.9186% | 4,284 |
| Core capital (leverage) ratio | 9.6763% | 3,848 |
| Tier 1 risk-based capital ratio | 12.0995% | 5,719 |
| Total risk-based capital ratio | 13.3574% | 5,680 |
| Memoranda: | ||
| Average total assets | $163,362,200 | 3,560 |
| Average earning assets | $150,430,200 | 3,543 |
| Average equity | $15,483,800 | 3,861 |
| Average total loans | $133,056,200 | 2,824 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3709% | 887 |
| Cost of funding earning assets | 0.7998% | 2,939 |
| Net interest margin | 4.5711% | 862 |
| Noninterest income to average assets | 0.4130% | 4,533 |
| Noninterest expense to average assets | 3.1925% | 2,589 |
| Loan and lease loss provision to assets | 0.3104% | 2,125 |
| Net operating income to assets | 0.7413% | 3,732 |
| Return on assets (ROA) | 0.7413% | 3,982 |
| Pretax return on assets | 1.1144% | 3,298 |
| Return on Equity (ROE) | 7.9122% | 3,314 |
| Retained earnings to average equity (ytd only) | 7.9122% | 1,648 |
| Net charge-offs to loans | 0.4571% | 2,270 |
| Credit loss provision to net charge-offs | 83.9207% | 3,499 |
| Earnings coverage of net charge-offs (x) | 3.8524% | 3,490 |
| Efficiency ratio | 69.1426% | 3,857 |
| Assets per employee ($millions) | 3.1400% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9446% | 2,344 |
| Loan loss allowance to noncurrent loans | 326.6242% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 1.4258% | 3,471 |
| Noncurrent loans to loans | 0.5954% | 5,253 |
| Net loans and leases to total assets | 79.1834% | 581 |
| Net loans and leases to deposits | 94.2896% | 767 |
| Net loans and leases to core deposits | 112.5701% | 478 |
| Total domestic deposits to total assets | 83.9789% | 4,234 |
| Equity capital to assets | 9.6841% | 4,940 |
| Core capital (leverage) ratio | 9.6306% | 4,076 |
| Tier 1 risk-based capital ratio | 12.1541% | 5,853 |
| Total risk-based capital ratio | 13.4139% | 5,816 |
| Memoranda: | ||
| Average total assets | $163,670,250 | 3,586 |
| Average earning assets | $150,536,500 | 3,575 |
| Average equity | $15,334,500 | 3,925 |
| Average total loans | $132,418,500 | 2,866 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4037% | 865 |
| Cost of funding earning assets | 0.8481% | 2,810 |
| Net interest margin | 4.5556% | 898 |
| Noninterest income to average assets | 0.3541% | 5,001 |
| Noninterest expense to average assets | 3.0891% | 2,958 |
| Loan and lease loss provision to assets | 0.3602% | 1,836 |
| Net operating income to assets | 0.7240% | 3,733 |
| Return on assets (ROA) | 0.7240% | 4,011 |
| Pretax return on assets | 1.0891% | 3,346 |
| Return on Equity (ROE) | 7.8153% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.8153% | 1,711 |
| Net charge-offs to loans | 0.5264% | 2,012 |
| Credit loss provision to net charge-offs | 84.5272% | 3,201 |
| Earnings coverage of net charge-offs (x) | 3.4011% | 3,386 |
| Efficiency ratio | 68.0656% | 4,111 |
| Assets per employee ($millions) | 3.0783% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9579% | 2,349 |
| Loan loss allowance to noncurrent loans | 213.4711% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 1.6678% | 3,216 |
| Noncurrent loans to loans | 0.9172% | 4,666 |
| Net loans and leases to total assets | 79.2785% | 588 |
| Net loans and leases to deposits | 93.8356% | 785 |
| Net loans and leases to core deposits | 111.0880% | 538 |
| Total domestic deposits to total assets | 84.4866% | 4,108 |
| Equity capital to assets | 9.4944% | 5,072 |
| Core capital (leverage) ratio | 9.4201% | 4,268 |
| Tier 1 risk-based capital ratio | 12.0260% | 5,909 |
| Total risk-based capital ratio | 13.2858% | 5,887 |
| Memoranda: | ||
| Average total assets | $163,801,000 | 3,600 |
| Average earning assets | $150,452,000 | 3,592 |
| Average equity | $15,175,330 | 3,953 |
| Average total loans | $132,607,000 | 2,878 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4579% | 818 |
| Cost of funding earning assets | 0.9101% | 2,608 |
| Net interest margin | 4.5478% | 926 |
| Noninterest income to average assets | 0.2925% | 5,526 |
| Noninterest expense to average assets | 3.0342% | 3,138 |
| Loan and lease loss provision to assets | 0.4752% | 1,284 |
| Net operating income to assets | 0.6434% | 4,151 |
| Return on assets (ROA) | 0.6434% | 4,358 |
| Pretax return on assets | 0.9602% | 3,831 |
| Return on Equity (ROE) | 7.0316% | 3,766 |
| Retained earnings to average equity (ytd only) | 7.0316% | 2,422 |
| Net charge-offs to loans | 0.3069% | 2,435 |
| Credit loss provision to net charge-offs | 191.1765% | 1,381 |
| Earnings coverage of net charge-offs (x) | 5.7745% | 2,301 |
| Efficiency ratio | 67.8844% | 4,197 |
| Assets per employee ($millions) | 3.2075% | 5,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0773% | 2,153 |
| Loan loss allowance to noncurrent loans | 212.7825% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 1.5864% | 3,476 |
| Noncurrent loans to loans | 0.9763% | 4,727 |
| Net loans and leases to total assets | 77.1548% | 684 |
| Net loans and leases to deposits | 90.7110% | 898 |
| Net loans and leases to core deposits | 109.3272% | 557 |
| Total domestic deposits to total assets | 85.0556% | 4,011 |
| Equity capital to assets | 9.0784% | 5,388 |
| Core capital (leverage) ratio | 9.2569% | 4,433 |
| Tier 1 risk-based capital ratio | 11.7841% | 6,099 |
| Total risk-based capital ratio | 13.0453% | 6,071 |
| Memoranda: | ||
| Average total assets | $164,127,000 | 3,617 |
| Average earning assets | $150,753,500 | 3,606 |
| Average equity | $15,018,000 | 3,985 |
| Average total loans | $132,948,000 | 2,890 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9143% | 502 |
| Cost of funding earning assets | 1.1192% | 2,541 |
| Net interest margin | 4.7951% | 634 |
| Noninterest income to average assets | 0.1955% | 6,103 |
| Noninterest expense to average assets | 2.9326% | 3,830 |
| Loan and lease loss provision to assets | 0.6489% | 1,571 |
| Net operating income to assets | 0.7086% | 3,445 |
| Return on assets (ROA) | 0.7144% | 3,601 |
| Pretax return on assets | 1.0590% | 3,004 |
| Return on Equity (ROE) | 8.0593% | 2,871 |
| Retained earnings to average equity (ytd only) | 8.0593% | 1,058 |
| Net charge-offs to loans | 0.3636% | 3,586 |
| Credit loss provision to net charge-offs | 214.5194% | 1,135 |
| Earnings coverage of net charge-offs (x) | 5.6176% | 2,737 |
| Efficiency ratio | 63.3146% | 5,245 |
| Assets per employee ($millions) | 3.3638% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 2,395 |
| Loan loss allowance to noncurrent loans | 454.6552% | 747 |
| Noncurrent assets plus other real estate owned to assets | 1.1848% | 4,264 |
| Noncurrent loans to loans | 0.4313% | 5,846 |
| Net loans and leases to total assets | 81.6545% | 363 |
| Net loans and leases to deposits | 98.3176% | 539 |
| Net loans and leases to core deposits | 120.6010% | 342 |
| Total domestic deposits to total assets | 83.0517% | 4,729 |
| Equity capital to assets | 9.2245% | 5,250 |
| Core capital (leverage) ratio | 8.9939% | 4,798 |
| Tier 1 risk-based capital ratio | 11.4094% | 6,210 |
| Total risk-based capital ratio | 12.6693% | 6,200 |
| Memoranda: | ||
| Average total assets | $161,663,800 | 3,608 |
| Average earning assets | $149,570,200 | 3,583 |
| Average equity | $14,331,200 | 4,043 |
| Average total loans | $134,489,400 | 2,912 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9538% | 505 |
| Cost of funding earning assets | 1.1541% | 2,611 |
| Net interest margin | 4.7997% | 623 |
| Noninterest income to average assets | 0.2342% | 5,946 |
| Noninterest expense to average assets | 2.9129% | 3,872 |
| Loan and lease loss provision to assets | 0.6068% | 1,619 |
| Net operating income to assets | 0.7783% | 3,261 |
| Return on assets (ROA) | 0.7849% | 3,401 |
| Pretax return on assets | 1.1683% | 2,749 |
| Return on Equity (ROE) | 8.9447% | 2,619 |
| Retained earnings to average equity (ytd only) | 8.9447% | 1,164 |
| Net charge-offs to loans | 0.3956% | 3,134 |
| Credit loss provision to net charge-offs | 184.4612% | 1,596 |
| Earnings coverage of net charge-offs (x) | 5.3659% | 2,807 |
| Efficiency ratio | 62.2665% | 5,371 |
| Assets per employee ($millions) | 3.2677% | 5,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7898% | 2,979 |
| Loan loss allowance to noncurrent loans | 205.2721% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 1.3147% | 4,176 |
| Noncurrent loans to loans | 0.8719% | 5,117 |
| Net loans and leases to total assets | 81.0724% | 418 |
| Net loans and leases to deposits | 98.4255% | 554 |
| Net loans and leases to core deposits | 119.7875% | 389 |
| Total domestic deposits to total assets | 82.3694% | 4,942 |
| Equity capital to assets | 8.9934% | 5,766 |
| Core capital (leverage) ratio | 8.9180% | 5,072 |
| Tier 1 risk-based capital ratio | 11.2441% | 6,403 |
| Total risk-based capital ratio | 12.4970% | 6,381 |
| Memoranda: | ||
| Average total assets | $161,714,250 | 3,640 |
| Average earning assets | $149,726,750 | 3,608 |
| Average equity | $14,190,500 | 4,091 |
| Average total loans | $134,492,250 | 2,933 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9862% | 489 |
| Cost of funding earning assets | 1.1935% | 2,620 |
| Net interest margin | 4.7927% | 608 |
| Noninterest income to average assets | 0.2048% | 6,200 |
| Noninterest expense to average assets | 2.9040% | 4,008 |
| Loan and lease loss provision to assets | 0.6081% | 1,580 |
| Net operating income to assets | 0.7534% | 3,273 |
| Return on assets (ROA) | 0.7632% | 3,362 |
| Pretax return on assets | 1.1479% | 2,672 |
| Return on Equity (ROE) | 8.7715% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.7715% | 1,186 |
| Net charge-offs to loans | 0.4986% | 2,610 |
| Credit loss provision to net charge-offs | 146.2687% | 2,091 |
| Earnings coverage of net charge-offs (x) | 4.1881% | 2,936 |
| Efficiency ratio | 62.5167% | 5,498 |
| Assets per employee ($millions) | 3.1599% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 3,497 |
| Loan loss allowance to noncurrent loans | 751.5152% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 5,537 |
| Noncurrent loans to loans | 0.2195% | 6,466 |
| Net loans and leases to total assets | 84.2420% | 230 |
| Net loans and leases to deposits | 102.6927% | 359 |
| Net loans and leases to core deposits | 125.6979% | 318 |
| Total domestic deposits to total assets | 82.0331% | 5,152 |
| Equity capital to assets | 9.0768% | 5,469 |
| Core capital (leverage) ratio | 9.0130% | 4,699 |
| Tier 1 risk-based capital ratio | 11.0319% | 6,501 |
| Total risk-based capital ratio | 12.2880% | 6,480 |
| Memoranda: | ||
| Average total assets | $161,157,000 | 3,671 |
| Average earning assets | $149,310,670 | 3,636 |
| Average equity | $14,022,670 | 4,117 |
| Average total loans | $134,364,670 | 2,955 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9118% | 582 |
| Cost of funding earning assets | 1.2564% | 2,460 |
| Net interest margin | 4.6554% | 775 |
| Noninterest income to average assets | 0.2163% | 6,187 |
| Noninterest expense to average assets | 2.8684% | 4,199 |
| Loan and lease loss provision to assets | 0.5727% | 1,506 |
| Net operating income to assets | 0.7349% | 3,347 |
| Return on assets (ROA) | 0.7349% | 3,412 |
| Pretax return on assets | 1.1012% | 2,750 |
| Return on Equity (ROE) | 8.6270% | 2,643 |
| Retained earnings to average equity (ytd only) | 8.6270% | 1,511 |
| Net charge-offs to loans | 0.2988% | 2,853 |
| Credit loss provision to net charge-offs | 233.0000% | 1,318 |
| Earnings coverage of net charge-offs (x) | 6.8100% | 2,042 |
| Efficiency ratio | 63.1494% | 5,494 |
| Assets per employee ($millions) | 3.2869% | 5,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 3,574 |
| Loan loss allowance to noncurrent loans | 381.0345% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 5,052 |
| Noncurrent loans to loans | 0.4305% | 6,142 |
| Net loans and leases to total assets | 82.2823% | 326 |
| Net loans and leases to deposits | 100.0234% | 467 |
| Net loans and leases to core deposits | 123.5507% | 354 |
| Total domestic deposits to total assets | 82.2630% | 5,205 |
| Equity capital to assets | 8.7036% | 5,653 |
| Core capital (leverage) ratio | 8.5197% | 5,417 |
| Tier 1 risk-based capital ratio | 10.7884% | 6,645 |
| Total risk-based capital ratio | 12.0437% | 6,622 |
| Memoranda: | ||
| Average total assets | $162,737,500 | 3,657 |
| Average earning assets | $151,223,000 | 3,620 |
| Average equity | $13,863,500 | 4,137 |
| Average total loans | $133,881,500 | 3,011 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0554% | 765 |
| Cost of funding earning assets | 1.6686% | 1,734 |
| Net interest margin | 4.3867% | 1,523 |
| Noninterest income to average assets | 0.1638% | 6,548 |
| Noninterest expense to average assets | 2.9027% | 4,213 |
| Loan and lease loss provision to assets | 0.6711% | 2,461 |
| Net operating income to assets | 0.4468% | 4,328 |
| Return on assets (ROA) | 0.4468% | 4,493 |
| Pretax return on assets | 0.6473% | 4,177 |
| Return on Equity (ROE) | 5.4600% | 3,858 |
| Retained earnings to average equity (ytd only) | 5.4600% | 2,141 |
| Net charge-offs to loans | 0.9231% | 2,336 |
| Credit loss provision to net charge-offs | 88.8350% | 5,179 |
| Earnings coverage of net charge-offs (x) | 1.7451% | 4,408 |
| Efficiency ratio | 68.7663% | 4,413 |
| Assets per employee ($millions) | 3.2883% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 3,732 |
| Loan loss allowance to noncurrent loans | 190.5505% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 1.5850% | 3,928 |
| Noncurrent loans to loans | 0.8194% | 5,415 |
| Net loans and leases to total assets | 79.6474% | 708 |
| Net loans and leases to deposits | 96.1885% | 854 |
| Net loans and leases to core deposits | 119.0374% | 559 |
| Total domestic deposits to total assets | 82.8034% | 4,878 |
| Equity capital to assets | 8.3380% | 6,099 |
| Core capital (leverage) ratio | 8.1587% | 5,901 |
| Tier 1 risk-based capital ratio | 10.7432% | 6,533 |
| Total risk-based capital ratio | 11.9977% | 6,501 |
| Memoranda: | ||
| Average total assets | $163,607,400 | 3,639 |
| Average earning assets | $151,320,600 | 3,616 |
| Average equity | $13,388,200 | 4,289 |
| Average total loans | $133,898,400 | 3,056 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0953% | 769 |
| Cost of funding earning assets | 1.7449% | 1,651 |
| Net interest margin | 4.3504% | 1,678 |
| Noninterest income to average assets | 0.1901% | 6,521 |
| Noninterest expense to average assets | 2.8852% | 4,149 |
| Loan and lease loss provision to assets | 0.7001% | 2,192 |
| Net operating income to assets | 0.4308% | 4,623 |
| Return on assets (ROA) | 0.4308% | 4,802 |
| Pretax return on assets | 0.6226% | 4,521 |
| Return on Equity (ROE) | 5.2899% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.2899% | 2,784 |
| Net charge-offs to loans | 1.1960% | 1,706 |
| Credit loss provision to net charge-offs | 71.3217% | 5,380 |
| Earnings coverage of net charge-offs (x) | 1.3475% | 4,732 |
| Efficiency ratio | 68.5670% | 4,358 |
| Assets per employee ($millions) | 3.4175% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 4,534 |
| Loan loss allowance to noncurrent loans | 582.5545% | 541 |
| Noncurrent assets plus other real estate owned to assets | 1.4625% | 4,260 |
| Noncurrent loans to loans | 0.2382% | 6,700 |
| Net loans and leases to total assets | 81.0137% | 619 |
| Net loans and leases to deposits | 97.7960% | 809 |
| Net loans and leases to core deposits | 121.5942% | 569 |
| Total domestic deposits to total assets | 82.8394% | 4,660 |
| Equity capital to assets | 8.2736% | 6,535 |
| Core capital (leverage) ratio | 8.0783% | 6,230 |
| Tier 1 risk-based capital ratio | 10.3618% | 6,854 |
| Total risk-based capital ratio | 11.6140% | 6,847 |
| Memoranda: | ||
| Average total assets | $163,405,250 | 3,687 |
| Average earning assets | $150,910,750 | 3,669 |
| Average equity | $13,308,000 | 4,368 |
| Average total loans | $134,115,500 | 3,097 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1248% | 719 |
| Cost of funding earning assets | 1.7926% | 1,668 |
| Net interest margin | 4.3322% | 1,660 |
| Noninterest income to average assets | 0.2427% | 6,172 |
| Noninterest expense to average assets | 2.8825% | 4,138 |
| Loan and lease loss provision to assets | 0.6189% | 2,311 |
| Net operating income to assets | 0.5049% | 4,306 |
| Return on assets (ROA) | 0.5049% | 4,453 |
| Pretax return on assets | 0.7427% | 4,098 |
| Return on Equity (ROE) | 6.2330% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.2330% | 2,207 |
| Net charge-offs to loans | 0.6094% | 2,706 |
| Credit loss provision to net charge-offs | 123.7745% | 3,269 |
| Earnings coverage of net charge-offs (x) | 2.7230% | 3,635 |
| Efficiency ratio | 67.9180% | 4,600 |
| Assets per employee ($millions) | 3.2876% | 5,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 2,995 |
| Loan loss allowance to noncurrent loans | 159.1191% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 1.6188% | 4,016 |
| Noncurrent loans to loans | 1.0814% | 5,155 |
| Net loans and leases to total assets | 80.3298% | 752 |
| Net loans and leases to deposits | 99.4727% | 769 |
| Net loans and leases to core deposits | 122.8287% | 603 |
| Total domestic deposits to total assets | 80.7557% | 5,491 |
| Equity capital to assets | 8.1737% | 6,574 |
| Core capital (leverage) ratio | 8.2176% | 5,912 |
| Tier 1 risk-based capital ratio | 10.4674% | 6,711 |
| Total risk-based capital ratio | 11.7246% | 6,688 |
| Memoranda: | ||
| Average total assets | $163,194,000 | 3,719 |
| Average earning assets | $150,730,330 | 3,693 |
| Average equity | $13,220,000 | 4,389 |
| Average total loans | $133,899,330 | 3,129 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0873% | 798 |
| Cost of funding earning assets | 1.8755% | 1,551 |
| Net interest margin | 4.2118% | 1,992 |
| Noninterest income to average assets | 0.2362% | 6,263 |
| Noninterest expense to average assets | 2.8610% | 4,221 |
| Loan and lease loss provision to assets | 0.5732% | 2,206 |
| Net operating income to assets | 0.4526% | 4,605 |
| Return on assets (ROA) | 0.4526% | 4,731 |
| Pretax return on assets | 0.6691% | 4,341 |
| Return on Equity (ROE) | 5.6132% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.6132% | 2,810 |
| Net charge-offs to loans | 0.9396% | 1,716 |
| Credit loss provision to net charge-offs | 74.2038% | 4,007 |
| Earnings coverage of net charge-offs (x) | 1.6083% | 3,764 |
| Efficiency ratio | 69.7242% | 4,362 |
| Assets per employee ($millions) | 3.2886% | 5,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 3,556 |
| Loan loss allowance to noncurrent loans | 57.2425% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 3.4113% | 2,075 |
| Noncurrent loans to loans | 2.7505% | 2,900 |
| Net loans and leases to total assets | 82.7870% | 492 |
| Net loans and leases to deposits | 102.7814% | 604 |
| Net loans and leases to core deposits | 130.5926% | 478 |
| Total domestic deposits to total assets | 80.5467% | 5,606 |
| Equity capital to assets | 8.1966% | 6,436 |
| Core capital (leverage) ratio | 8.1025% | 6,067 |
| Tier 1 risk-based capital ratio | 10.0561% | 6,991 |
| Total risk-based capital ratio | 11.3179% | 6,980 |
| Memoranda: | ||
| Average total assets | $162,600,500 | 3,789 |
| Average earning assets | $149,295,500 | 3,766 |
| Average equity | $13,112,000 | 4,453 |
| Average total loans | $133,669,500 | 3,193 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4159% | 802 |
| Cost of funding earning assets | 2.3638% | 1,413 |
| Net interest margin | 4.0521% | 2,645 |
| Noninterest income to average assets | 0.2745% | 6,145 |
| Noninterest expense to average assets | 2.8112% | 4,930 |
| Loan and lease loss provision to assets | 0.8290% | 2,652 |
| Net operating income to assets | 0.3006% | 4,538 |
| Return on assets (ROA) | 0.3006% | 4,611 |
| Pretax return on assets | 0.4014% | 4,498 |
| Return on Equity (ROE) | 3.7870% | 4,170 |
| Retained earnings to average equity (ytd only) | 3.7870% | 2,549 |
| Net charge-offs to loans | 0.6326% | 3,309 |
| Credit loss provision to net charge-offs | 158.5714% | 2,827 |
| Earnings coverage of net charge-offs (x) | 2.3536% | 3,964 |
| Efficiency ratio | 69.5565% | 4,723 |
| Assets per employee ($millions) | 3.5665% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6806% | 2,962 |
| Loan loss allowance to noncurrent loans | 299.3243% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 1.9237% | 3,496 |
| Noncurrent loans to loans | 0.5614% | 6,124 |
| Net loans and leases to total assets | 78.9871% | 1,186 |
| Net loans and leases to deposits | 100.0625% | 897 |
| Net loans and leases to core deposits | 149.8705% | 509 |
| Total domestic deposits to total assets | 78.9377% | 5,997 |
| Equity capital to assets | 7.9336% | 6,643 |
| Core capital (leverage) ratio | 7.8157% | 6,432 |
| Tier 1 risk-based capital ratio | 10.0013% | 6,871 |
| Total risk-based capital ratio | 11.2570% | 6,832 |
| Memoranda: | ||
| Average total assets | $160,677,000 | 3,758 |
| Average earning assets | $149,380,000 | 3,724 |
| Average equity | $12,754,000 | 4,573 |
| Average total loans | $132,787,400 | 3,216 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4624% | 818 |
| Cost of funding earning assets | 2.4632% | 1,404 |
| Net interest margin | 3.9992% | 2,827 |
| Noninterest income to average assets | 0.3695% | 5,556 |
| Noninterest expense to average assets | 2.7695% | 5,019 |
| Loan and lease loss provision to assets | 0.5556% | 3,164 |
| Net operating income to assets | 0.4897% | 4,025 |
| Return on assets (ROA) | 0.4897% | 4,122 |
| Pretax return on assets | 0.7716% | 3,622 |
| Return on Equity (ROE) | 6.1682% | 3,455 |
| Retained earnings to average equity (ytd only) | 6.1682% | 1,868 |
| Net charge-offs to loans | 0.7086% | 2,576 |
| Credit loss provision to net charge-offs | 94.2008% | 5,366 |
| Earnings coverage of net charge-offs (x) | 2.2504% | 4,139 |
| Efficiency ratio | 67.6033% | 5,058 |
| Assets per employee ($millions) | 3.4901% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 4,597 |
| Loan loss allowance to noncurrent loans | 344.6721% | 892 |
| Noncurrent assets plus other real estate owned to assets | 2.3136% | 2,963 |
| Noncurrent loans to loans | 0.3726% | 6,602 |
| Net loans and leases to total assets | 78.8244% | 1,419 |
| Net loans and leases to deposits | 100.8691% | 1,031 |
| Net loans and leases to core deposits | 153.8310% | 497 |
| Total domestic deposits to total assets | 78.1453% | 6,041 |
| Equity capital to assets | 8.0216% | 6,830 |
| Core capital (leverage) ratio | 7.9421% | 6,453 |
| Tier 1 risk-based capital ratio | 10.0763% | 6,905 |
| Total risk-based capital ratio | 11.3266% | 6,851 |
| Memoranda: | ||
| Average total assets | $159,831,000 | 3,796 |
| Average earning assets | $148,961,000 | 3,744 |
| Average equity | $12,688,500 | 4,606 |
| Average total loans | $133,033,750 | 3,238 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5266% | 780 |
| Cost of funding earning assets | 2.5519% | 1,444 |
| Net interest margin | 3.9747% | 2,812 |
| Noninterest income to average assets | 0.3800% | 5,468 |
| Noninterest expense to average assets | 2.8240% | 4,855 |
| Loan and lease loss provision to assets | 0.4671% | 3,183 |
| Net operating income to assets | 0.5163% | 4,030 |
| Return on assets (ROA) | 0.5163% | 4,145 |
| Pretax return on assets | 0.8130% | 3,627 |
| Return on Equity (ROE) | 6.5273% | 3,422 |
| Retained earnings to average equity (ytd only) | 6.5273% | 1,783 |
| Net charge-offs to loans | 0.5519% | 2,674 |
| Credit loss provision to net charge-offs | 100.2710% | 4,551 |
| Earnings coverage of net charge-offs (x) | 2.7480% | 3,710 |
| Efficiency ratio | 68.8096% | 5,009 |
| Assets per employee ($millions) | 3.3921% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 4,456 |
| Loan loss allowance to noncurrent loans | 236.8132% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 1.0638% | 4,840 |
| Noncurrent loans to loans | 0.5368% | 6,195 |
| Net loans and leases to total assets | 82.2393% | 919 |
| Net loans and leases to deposits | 106.9334% | 711 |
| Net loans and leases to core deposits | 164.6323% | 384 |
| Total domestic deposits to total assets | 76.9070% | 6,348 |
| Equity capital to assets | 7.9284% | 6,833 |
| Core capital (leverage) ratio | 7.9867% | 6,356 |
| Tier 1 risk-based capital ratio | 9.8393% | 7,089 |
| Total risk-based capital ratio | 11.0895% | 7,030 |
| Memoranda: | ||
| Average total assets | $158,430,330 | 3,858 |
| Average earning assets | $148,439,670 | 3,774 |
| Average equity | $12,532,000 | 4,667 |
| Average total loans | $133,718,330 | 3,275 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5778% | 745 |
| Cost of funding earning assets | 2.6175% | 1,507 |
| Net interest margin | 3.9604% | 2,813 |
| Noninterest income to average assets | 0.3866% | 5,325 |
| Noninterest expense to average assets | 2.7932% | 4,583 |
| Loan and lease loss provision to assets | 0.2637% | 3,851 |
| Net operating income to assets | 0.6631% | 3,744 |
| Return on assets (ROA) | 0.6631% | 3,919 |
| Pretax return on assets | 1.0446% | 3,186 |
| Return on Equity (ROE) | 8.3931% | 2,971 |
| Retained earnings to average equity (ytd only) | 8.3931% | 1,665 |
| Net charge-offs to loans | 0.4429% | 2,340 |
| Credit loss provision to net charge-offs | 70.0680% | 4,351 |
| Earnings coverage of net charge-offs (x) | 3.4762% | 3,167 |
| Efficiency ratio | 68.1024% | 4,949 |
| Assets per employee ($millions) | 3.2328% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 4,336 |
| Loan loss allowance to noncurrent loans | 470.3081% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 6,605 |
| Noncurrent loans to loans | 0.2680% | 6,767 |
| Net loans and leases to total assets | 83.0258% | 840 |
| Net loans and leases to deposits | 109.4990% | 639 |
| Net loans and leases to core deposits | 166.8130% | 396 |
| Total domestic deposits to total assets | 75.8234% | 6,547 |
| Equity capital to assets | 7.9676% | 6,857 |
| Core capital (leverage) ratio | 8.1094% | 6,271 |
| Tier 1 risk-based capital ratio | 9.8388% | 7,098 |
| Total risk-based capital ratio | 11.0893% | 7,003 |
| Memoranda: | ||
| Average total assets | $156,235,500 | 3,897 |
| Average earning assets | $146,552,500 | 3,820 |
| Average equity | $12,343,500 | 4,739 |
| Average total loans | $132,764,500 | 3,306 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3797% | 513 |
| Cost of funding earning assets | 3.1648% | 1,300 |
| Net interest margin | 4.2149% | 2,258 |
| Noninterest income to average assets | 0.4851% | 4,743 |
| Noninterest expense to average assets | 2.8113% | 4,773 |
| Loan and lease loss provision to assets | 0.4313% | 3,134 |
| Net operating income to assets | 0.7462% | 3,688 |
| Return on assets (ROA) | 0.7493% | 3,512 |
| Pretax return on assets | 1.1806% | 2,722 |
| Return on Equity (ROE) | 9.7193% | 2,353 |
| Retained earnings to average equity (ytd only) | 9.7193% | 490 |
| Net charge-offs to loans | 0.0828% | 5,580 |
| Credit loss provision to net charge-offs | 610.8911% | 701 |
| Earnings coverage of net charge-offs (x) | 22.7624% | 1,451 |
| Efficiency ratio | 63.6292% | 5,640 |
| Assets per employee ($millions) | 3.1442% | 5,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 3,767 |
| Loan loss allowance to noncurrent loans | 372.1382% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 6,267 |
| Noncurrent loans to loans | 0.3499% | 6,321 |
| Net loans and leases to total assets | 84.7754% | 767 |
| Net loans and leases to deposits | 114.2335% | 603 |
| Net loans and leases to core deposits | 168.1125% | 436 |
| Total domestic deposits to total assets | 74.2124% | 6,618 |
| Equity capital to assets | 7.8317% | 7,061 |
| Core capital (leverage) ratio | 7.9940% | 6,503 |
| Tier 1 risk-based capital ratio | 9.7422% | 7,028 |
| Total risk-based capital ratio | 10.9937% | 6,933 |
| Memoranda: | ||
| Average total assets | $143,064,400 | 4,024 |
| Average earning assets | $133,501,800 | 3,983 |
| Average equity | $11,029,600 | 5,112 |
| Average total loans | $121,941,800 | 3,421 |