Home > Bruning Bank > Performance and Condition Ratios
Bruning Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5764% | 2,954 |
| Cost of funding earning assets | 1.8926% | 1,079 |
| Net interest margin | 2.6837% | 3,844 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.3072% | 2,833 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4955% | 3,679 |
| Return on assets (ROA) | 0.4708% | 3,732 |
| Pretax return on assets | 0.5233% | 3,770 |
| Return on Equity (ROE) | 6.8000% | 3,328 |
| Retained earnings to average equity (ytd only) | 4.5321% | 2,777 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.0267% | 917 |
| Assets per employee ($millions) | 7.1712% | 1,959 |
| Cash dividends to net income (ytd only)* | 33.3952% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 1,008 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.6100% | 2,708 |
| Net loans and leases to deposits | 77.1781% | 2,341 |
| Net loans and leases to core deposits | 91.1314% | 1,974 |
| Total domestic deposits to total assets | 79.8200% | 3,492 |
| Equity capital to assets | 7.1598% | 3,871 |
| Core capital (leverage) ratio | 9.6633% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $572,382,400 | 1,544 |
| Average earning assets | $530,051,200 | 1,549 |
| Average equity | $39,606,600 | 1,902 |
| Average total loans | $341,340,000 | 1,641 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 3,044 |
| Cost of funding earning assets | 1.7014% | 1,182 |
| Net interest margin | 2.7265% | 3,844 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.3219% | 2,722 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.5206% | 3,721 |
| Return on assets (ROA) | 0.4874% | 3,791 |
| Pretax return on assets | 0.5473% | 3,828 |
| Return on Equity (ROE) | 7.1100% | 3,400 |
| Retained earnings to average equity (ytd only) | 3.9927% | 3,259 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.4974% | 890 |
| Assets per employee ($millions) | 6.9021% | 2,034 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 997 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 61.7200% | 2,679 |
| Net loans and leases to deposits | 78.8704% | 2,158 |
| Net loans and leases to core deposits | 94.3355% | 1,656 |
| Total domestic deposits to total assets | 78.2600% | 3,787 |
| Equity capital to assets | 6.1540% | 3,933 |
| Core capital (leverage) ratio | 9.6496% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $561,297,250 | 1,578 |
| Average earning assets | $521,135,250 | 1,572 |
| Average equity | $38,469,250 | 1,921 |
| Average total loans | $330,230,500 | 1,681 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2036% | 3,290 |
| Cost of funding earning assets | 1.4094% | 1,425 |
| Net interest margin | 2.7942% | 3,830 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.3773% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5389% | 3,727 |
| Return on assets (ROA) | 0.4875% | 3,841 |
| Pretax return on assets | 0.5420% | 3,892 |
| Return on Equity (ROE) | 6.8600% | 3,511 |
| Retained earnings to average equity (ytd only) | 2.2599% | 3,655 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.7757% | 857 |
| Assets per employee ($millions) | 6.6028% | 2,210 |
| Cash dividends to net income (ytd only)* | 67.0641% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6692% | 800 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 59.2100% | 2,844 |
| Net loans and leases to deposits | 72.9392% | 2,583 |
| Net loans and leases to core deposits | 85.0971% | 2,140 |
| Total domestic deposits to total assets | 81.1700% | 3,397 |
| Equity capital to assets | 6.9842% | 3,809 |
| Core capital (leverage) ratio | 10.0335% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $550,536,333 | 1,604 |
| Average earning assets | $511,565,333 | 1,593 |
| Average equity | $39,116,000 | 1,907 |
| Average total loans | $316,267,000 | 1,721 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0253% | 3,402 |
| Cost of funding earning assets | 1.1287% | 1,669 |
| Net interest margin | 2.8966% | 3,798 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.4345% | 2,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5581% | 3,778 |
| Return on assets (ROA) | 0.5581% | 3,742 |
| Pretax return on assets | 0.6260% | 3,802 |
| Return on Equity (ROE) | 7.7800% | 3,348 |
| Retained earnings to average equity (ytd only) | -1.4828% | 4,169 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.5466% | 871 |
| Assets per employee ($millions) | 6.7367% | 2,159 |
| Cash dividends to net income (ytd only)* | 119.0476% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 596 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 55.2900% | 3,091 |
| Net loans and leases to deposits | 66.9676% | 2,851 |
| Net loans and leases to core deposits | 73.5682% | 2,709 |
| Total domestic deposits to total assets | 82.5700% | 3,390 |
| Equity capital to assets | 7.3111% | 3,667 |
| Core capital (leverage) ratio | 10.3533% | 2,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $541,886,000 | 1,648 |
| Average earning assets | $502,521,000 | 1,646 |
| Average equity | $38,844,500 | 1,934 |
| Average total loans | $303,450,500 | 1,777 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4630% | 3,173 |
| Cost of funding earning assets | 0.4889% | 1,477 |
| Net interest margin | 2.9740% | 3,517 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.2872% | 2,780 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8934% | 2,989 |
| Return on assets (ROA) | 0.8915% | 2,934 |
| Pretax return on assets | 1.0299% | 2,981 |
| Return on Equity (ROE) | 11.3000% | 2,384 |
| Retained earnings to average equity (ytd only) | 6.8511% | 2,302 |
| Net charge-offs to loans | -0.0025% | 3,487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.9078% | 1,849 |
| Assets per employee ($millions) | 6.8987% | 2,048 |
| Cash dividends to net income (ytd only)* | 39.3529% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9023% | 537 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 54.6000% | 3,146 |
| Net loans and leases to deposits | 69.3917% | 2,633 |
| Net loans and leases to core deposits | 76.5648% | 2,382 |
| Total domestic deposits to total assets | 78.6800% | 4,030 |
| Equity capital to assets | 7.0236% | 3,649 |
| Core capital (leverage) ratio | 10.6472% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $513,062,800 | 1,690 |
| Average earning assets | $477,569,000 | 1,682 |
| Average equity | $40,489,600 | 1,903 |
| Average total loans | $281,024,400 | 1,809 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3138% | 3,143 |
| Cost of funding earning assets | 0.3756% | 1,476 |
| Net interest margin | 2.9382% | 3,385 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.1630% | 3,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9396% | 2,713 |
| Return on assets (ROA) | 0.9371% | 2,690 |
| Pretax return on assets | 1.1010% | 2,721 |
| Return on Equity (ROE) | 11.5400% | 2,193 |
| Retained earnings to average equity (ytd only) | 5.7072% | 2,855 |
| Net charge-offs to loans | -0.0034% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.2103% | 2,249 |
| Assets per employee ($millions) | 7.1535% | 1,839 |
| Cash dividends to net income (ytd only)* | 50.5334% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9812% | 519 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 53.9700% | 3,105 |
| Net loans and leases to deposits | 66.2018% | 2,703 |
| Net loans and leases to core deposits | 72.4937% | 2,448 |
| Total domestic deposits to total assets | 81.5300% | 3,902 |
| Equity capital to assets | 6.2874% | 3,852 |
| Core capital (leverage) ratio | 10.3589% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $506,804,250 | 1,709 |
| Average earning assets | $473,196,000 | 1,697 |
| Average equity | $41,163,500 | 1,905 |
| Average total loans | $276,409,000 | 1,825 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1179% | 3,262 |
| Cost of funding earning assets | 0.2832% | 1,868 |
| Net interest margin | 2.8347% | 3,331 |
| Noninterest income to average assets | 0.4999% | 2,206 |
| Noninterest expense to average assets | 2.1540% | 2,982 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8619% | 2,726 |
| Return on assets (ROA) | 0.8619% | 2,703 |
| Pretax return on assets | 1.0038% | 2,716 |
| Return on Equity (ROE) | 9.8406% | 2,390 |
| Retained earnings to average equity (ytd only) | 1.6477% | 3,839 |
| Net charge-offs to loans | -0.0051% | 3,352 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2111% | 2,210 |
| Assets per employee ($millions) | 7.1244% | 1,863 |
| Cash dividends to net income (ytd only)* | 83.2562% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0117% | 541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.3565% | 3,028 |
| Net loans and leases to deposits | 66.0892% | 2,539 |
| Net loans and leases to core deposits | 72.3996% | 2,298 |
| Total domestic deposits to total assets | 80.7341% | 4,165 |
| Equity capital to assets | 7.4166% | 3,522 |
| Core capital (leverage) ratio | 10.3146% | 2,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $501,670,667 | 1,722 |
| Average earning assets | $470,386,667 | 1,721 |
| Average equity | $43,940,333 | 1,860 |
| Average total loans | $272,694,000 | 1,840 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9655% | 3,356 |
| Cost of funding earning assets | 0.2659% | 1,966 |
| Net interest margin | 2.6996% | 3,398 |
| Noninterest income to average assets | 0.5263% | 2,012 |
| Noninterest expense to average assets | 2.1711% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7708% | 2,772 |
| Return on assets (ROA) | 0.7708% | 2,764 |
| Pretax return on assets | 0.8870% | 2,823 |
| Return on Equity (ROE) | 8.1416% | 2,629 |
| Retained earnings to average equity (ytd only) | -7.3009% | 4,499 |
| Net charge-offs to loans | -0.0105% | 3,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9960% | 2,101 |
| Assets per employee ($millions) | 7.1659% | 1,880 |
| Cash dividends to net income (ytd only)* | 189.6733% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1690% | 463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 49.8027% | 3,196 |
| Net loans and leases to deposits | 60.2098% | 2,882 |
| Net loans and leases to core deposits | 62.7177% | 2,915 |
| Total domestic deposits to total assets | 82.7152% | 3,977 |
| Equity capital to assets | 8.1660% | 3,434 |
| Core capital (leverage) ratio | 10.1756% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $492,466,500 | 1,753 |
| Average earning assets | $461,843,000 | 1,755 |
| Average equity | $46,624,500 | 1,834 |
| Average total loans | $267,444,500 | 1,847 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4425% | 2,820 |
| Cost of funding earning assets | 0.3517% | 1,924 |
| Net interest margin | 3.0908% | 2,936 |
| Noninterest income to average assets | 0.6431% | 1,974 |
| Noninterest expense to average assets | 2.3560% | 2,637 |
| Loan and lease loss provision to assets | 0.0264% | 2,532 |
| Net operating income to assets | 0.9799% | 2,751 |
| Return on assets (ROA) | 0.9810% | 2,820 |
| Pretax return on assets | 1.1616% | 2,785 |
| Return on Equity (ROE) | 8.8944% | 2,953 |
| Retained earnings to average equity (ytd only) | 6.4981% | 2,131 |
| Net charge-offs to loans | -0.0015% | 3,323 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5030% | 2,192 |
| Assets per employee ($millions) | 6.4245% | 2,394 |
| Cash dividends to net income (ytd only)* | 26.9421% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0901% | 529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.8346% | 2,502 |
| Net loans and leases to deposits | 71.0536% | 2,012 |
| Net loans and leases to core deposits | 74.8542% | 2,013 |
| Total domestic deposits to total assets | 79.9884% | 4,225 |
| Equity capital to assets | 10.8994% | 1,854 |
| Core capital (leverage) ratio | 11.0670% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $454,030,800 | 1,825 |
| Average earning assets | $425,940,400 | 1,818 |
| Average equity | $50,076,400 | 1,763 |
| Average total loans | $265,669,800 | 1,856 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6246% | 2,485 |
| Cost of funding earning assets | 0.3646% | 1,987 |
| Net interest margin | 3.2600% | 2,548 |
| Noninterest income to average assets | 0.6452% | 2,028 |
| Noninterest expense to average assets | 2.3723% | 2,529 |
| Loan and lease loss provision to assets | 0.0266% | 2,466 |
| Net operating income to assets | 1.1205% | 2,478 |
| Return on assets (ROA) | 1.1284% | 2,508 |
| Pretax return on assets | 1.3182% | 2,579 |
| Return on Equity (ROE) | 10.1999% | 2,664 |
| Retained earnings to average equity (ytd only) | 6.9882% | 2,423 |
| Net charge-offs to loans | -0.0020% | 3,221 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9783% | 2,389 |
| Assets per employee ($millions) | 6.5346% | 2,220 |
| Cash dividends to net income (ytd only)* | 31.4878% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1938% | 457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 55.1653% | 2,829 |
| Net loans and leases to deposits | 70.0196% | 2,245 |
| Net loans and leases to core deposits | 74.2186% | 2,214 |
| Total domestic deposits to total assets | 78.7855% | 4,351 |
| Equity capital to assets | 11.1925% | 1,897 |
| Core capital (leverage) ratio | 11.0916% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $450,291,750 | 1,854 |
| Average earning assets | $423,058,250 | 1,845 |
| Average equity | $49,816,250 | 1,786 |
| Average total loans | $264,028,000 | 1,891 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5554% | 2,758 |
| Cost of funding earning assets | 0.3780% | 2,064 |
| Net interest margin | 3.1775% | 2,821 |
| Noninterest income to average assets | 0.5997% | 2,219 |
| Noninterest expense to average assets | 2.3866% | 2,506 |
| Loan and lease loss provision to assets | 0.0268% | 2,441 |
| Net operating income to assets | 1.0068% | 2,865 |
| Return on assets (ROA) | 1.0556% | 2,773 |
| Pretax return on assets | 1.2234% | 2,846 |
| Return on Equity (ROE) | 9.5794% | 2,920 |
| Retained earnings to average equity (ytd only) | 4.7168% | 3,294 |
| Net charge-offs to loans | -0.0015% | 3,135 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6625% | 2,056 |
| Assets per employee ($millions) | 6.5123% | 2,164 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1767% | 446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 54.7129% | 3,049 |
| Net loans and leases to deposits | 69.5080% | 2,461 |
| Net loans and leases to core deposits | 74.3547% | 2,375 |
| Total domestic deposits to total assets | 78.7145% | 4,368 |
| Equity capital to assets | 10.7879% | 2,157 |
| Core capital (leverage) ratio | 10.6758% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,915,000 | 1,852 |
| Average earning assets | $420,144,667 | 1,843 |
| Average equity | $49,356,000 | 1,790 |
| Average total loans | $266,038,000 | 1,894 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4425% | 3,077 |
| Cost of funding earning assets | 0.3952% | 2,137 |
| Net interest margin | 3.0473% | 3,134 |
| Noninterest income to average assets | 0.5873% | 2,259 |
| Noninterest expense to average assets | 2.3445% | 2,660 |
| Loan and lease loss provision to assets | 0.0272% | 2,429 |
| Net operating income to assets | 0.9245% | 3,065 |
| Return on assets (ROA) | 1.0248% | 2,808 |
| Pretax return on assets | 1.1791% | 2,903 |
| Return on Equity (ROE) | 9.1987% | 2,963 |
| Retained earnings to average equity (ytd only) | -0.5785% | 4,417 |
| Net charge-offs to loans | -0.0015% | 3,081 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2431% | 1,902 |
| Assets per employee ($millions) | 6.5511% | 2,133 |
| Cash dividends to net income (ytd only)* | 106.2888% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1013% | 502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 56.8729% | 2,932 |
| Net loans and leases to deposits | 71.6548% | 2,344 |
| Net loans and leases to core deposits | 76.4804% | 2,310 |
| Total domestic deposits to total assets | 79.3707% | 4,287 |
| Equity capital to assets | 10.6011% | 2,175 |
| Core capital (leverage) ratio | 10.8691% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $440,686,500 | 1,869 |
| Average earning assets | $411,910,500 | 1,866 |
| Average equity | $49,094,000 | 1,786 |
| Average total loans | $269,754,000 | 1,877 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 2,377 |
| Cost of funding earning assets | 0.6339% | 2,098 |
| Net interest margin | 3.4821% | 2,525 |
| Noninterest income to average assets | 0.8610% | 1,370 |
| Noninterest expense to average assets | 2.5791% | 2,618 |
| Loan and lease loss provision to assets | 0.0952% | 3,153 |
| Net operating income to assets | 1.2818% | 1,300 |
| Return on assets (ROA) | 1.2942% | 1,368 |
| Pretax return on assets | 1.4420% | 1,534 |
| Return on Equity (ROE) | 10.9895% | 1,628 |
| Retained earnings to average equity (ytd only) | 9.1385% | 738 |
| Net charge-offs to loans | -0.0011% | 3,951 |
| Credit loss provision to net charge-offs | -12,666.6667% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8657% | 3,001 |
| Assets per employee ($millions) | 6.0400% | 2,304 |
| Cash dividends to net income (ytd only)* | 16.8441% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 63.2782% | 2,454 |
| Net loans and leases to deposits | 79.5674% | 1,915 |
| Net loans and leases to core deposits | 86.1420% | 1,857 |
| Total domestic deposits to total assets | 79.5278% | 4,131 |
| Equity capital to assets | 11.7252% | 1,715 |
| Core capital (leverage) ratio | 11.3821% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $399,093,400 | 1,869 |
| Average earning assets | $371,526,800 | 1,867 |
| Average equity | $46,999,200 | 1,790 |
| Average total loans | $271,292,000 | 1,821 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1115% | 2,646 |
| Cost of funding earning assets | 0.6786% | 2,148 |
| Net interest margin | 3.4329% | 2,804 |
| Noninterest income to average assets | 0.9360% | 1,141 |
| Noninterest expense to average assets | 2.5512% | 2,688 |
| Loan and lease loss provision to assets | 0.0883% | 3,209 |
| Net operating income to assets | 1.3307% | 1,284 |
| Return on assets (ROA) | 1.3392% | 1,356 |
| Pretax return on assets | 1.5057% | 1,437 |
| Return on Equity (ROE) | 11.3583% | 1,571 |
| Retained earnings to average equity (ytd only) | 8.8560% | 1,023 |
| Net charge-offs to loans | -0.0015% | 3,853 |
| Credit loss provision to net charge-offs | -8,666.6667% | 4,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6892% | 3,123 |
| Assets per employee ($millions) | 5.8368% | 2,411 |
| Cash dividends to net income (ytd only)* | 22.0309% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9902% | 500 |
| Loan loss allowance to noncurrent loans | 3,076.8362% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 4,237 |
| Noncurrent loans to loans | 0.0647% | 4,108 |
| Net loans and leases to total assets | 64.7160% | 2,677 |
| Net loans and leases to deposits | 83.2742% | 1,986 |
| Net loans and leases to core deposits | 89.3149% | 2,034 |
| Total domestic deposits to total assets | 77.7144% | 4,240 |
| Equity capital to assets | 11.7054% | 1,873 |
| Core capital (leverage) ratio | 11.4935% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $393,167,250 | 1,868 |
| Average earning assets | $366,446,750 | 1,859 |
| Average equity | $46,355,500 | 1,798 |
| Average total loans | $270,838,750 | 1,814 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 2,769 |
| Cost of funding earning assets | 0.7294% | 2,242 |
| Net interest margin | 3.4689% | 2,890 |
| Noninterest income to average assets | 1.0034% | 977 |
| Noninterest expense to average assets | 2.5207% | 2,907 |
| Loan and lease loss provision to assets | 0.0829% | 3,249 |
| Net operating income to assets | 1.4643% | 985 |
| Return on assets (ROA) | 1.4774% | 1,048 |
| Pretax return on assets | 1.6442% | 1,120 |
| Return on Equity (ROE) | 12.4984% | 1,218 |
| Retained earnings to average equity (ytd only) | 8.6858% | 1,107 |
| Net charge-offs to loans | -0.0015% | 3,784 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5448% | 3,476 |
| Assets per employee ($millions) | 5.8478% | 2,316 |
| Cash dividends to net income (ytd only)* | 30.5049% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9176% | 514 |
| Loan loss allowance to noncurrent loans | 3,019.7740% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 4,317 |
| Noncurrent loans to loans | 0.0635% | 4,222 |
| Net loans and leases to total assets | 66.7867% | 2,525 |
| Net loans and leases to deposits | 86.8665% | 1,674 |
| Net loans and leases to core deposits | 93.2276% | 1,807 |
| Total domestic deposits to total assets | 76.8843% | 4,328 |
| Equity capital to assets | 11.6068% | 1,908 |
| Core capital (leverage) ratio | 11.4505% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $386,084,667 | 1,860 |
| Average earning assets | $359,482,333 | 1,861 |
| Average equity | $45,637,667 | 1,803 |
| Average total loans | $269,905,333 | 1,799 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 2,963 |
| Cost of funding earning assets | 0.8133% | 2,304 |
| Net interest margin | 3.4745% | 3,069 |
| Noninterest income to average assets | 0.6046% | 2,022 |
| Noninterest expense to average assets | 2.5231% | 3,201 |
| Loan and lease loss provision to assets | 0.0748% | 2,802 |
| Net operating income to assets | 1.0407% | 2,036 |
| Return on assets (ROA) | 1.0661% | 2,051 |
| Pretax return on assets | 1.2541% | 2,021 |
| Return on Equity (ROE) | 8.9305% | 2,142 |
| Retained earnings to average equity (ytd only) | 1.1454% | 3,706 |
| Net charge-offs to loans | -0.0015% | 3,627 |
| Credit loss provision to net charge-offs | -7,000.0000% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0145% | 2,959 |
| Assets per employee ($millions) | 5.5835% | 2,037 |
| Cash dividends to net income (ytd only)* | 87.1743% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9954% | 503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 67.9639% | 2,543 |
| Net loans and leases to deposits | 86.7113% | 1,907 |
| Net loans and leases to core deposits | 93.2759% | 2,039 |
| Total domestic deposits to total assets | 78.3795% | 4,163 |
| Equity capital to assets | 11.8866% | 2,150 |
| Core capital (leverage) ratio | 12.1497% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,454,500 | 1,877 |
| Average earning assets | $346,753,000 | 1,866 |
| Average equity | $44,700,500 | 1,826 |
| Average total loans | $265,491,500 | 1,779 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4497% | 3,118 |
| Cost of funding earning assets | 0.8961% | 2,205 |
| Net interest margin | 3.5536% | 3,277 |
| Noninterest income to average assets | 0.5615% | 2,412 |
| Noninterest expense to average assets | 2.6988% | 2,889 |
| Loan and lease loss provision to assets | 0.0878% | 2,262 |
| Net operating income to assets | 0.9401% | 3,057 |
| Return on assets (ROA) | 0.9355% | 3,153 |
| Pretax return on assets | 1.0851% | 3,220 |
| Return on Equity (ROE) | 7.7873% | 3,257 |
| Retained earnings to average equity (ytd only) | 5.4289% | 2,206 |
| Net charge-offs to loans | 0.0004% | 3,717 |
| Credit loss provision to net charge-offs | 31,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 4,159.0000% | 15 |
| Efficiency ratio | 69.6091% | 2,235 |
| Assets per employee ($millions) | 5.4298% | 2,128 |
| Cash dividends to net income (ytd only)* | 30.2847% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 71.0943% | 2,235 |
| Net loans and leases to deposits | 89.8336% | 1,608 |
| Net loans and leases to core deposits | 98.1910% | 1,711 |
| Total domestic deposits to total assets | 79.1400% | 4,162 |
| Equity capital to assets | 11.9899% | 2,139 |
| Core capital (leverage) ratio | 12.2858% | 1,604 |
| Tier 1 risk-based capital ratio | 12.8031% | 3,892 |
| Total risk-based capital ratio | 14.0561% | 3,781 |
| Memoranda: | ||
| Average total assets | $352,971,400 | 1,900 |
| Average earning assets | $329,325,000 | 1,881 |
| Average equity | $42,402,400 | 1,839 |
| Average total loans | $252,328,600 | 1,810 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4308% | 3,264 |
| Cost of funding earning assets | 0.9029% | 2,219 |
| Net interest margin | 3.5279% | 3,482 |
| Noninterest income to average assets | 0.5270% | 2,568 |
| Noninterest expense to average assets | 2.6371% | 3,051 |
| Loan and lease loss provision to assets | 0.0955% | 2,004 |
| Net operating income to assets | 0.9425% | 3,195 |
| Return on assets (ROA) | 0.9385% | 3,281 |
| Pretax return on assets | 1.0910% | 3,319 |
| Return on Equity (ROE) | 7.8086% | 3,384 |
| Retained earnings to average equity (ytd only) | 4.6292% | 3,091 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8860% | 2,273 |
| Assets per employee ($millions) | 5.2593% | 2,279 |
| Cash dividends to net income (ytd only)* | 40.7167% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0190% | 451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 70.5684% | 2,394 |
| Net loans and leases to deposits | 88.4278% | 1,874 |
| Net loans and leases to core deposits | 96.7719% | 1,937 |
| Total domestic deposits to total assets | 79.8034% | 4,027 |
| Equity capital to assets | 12.3124% | 2,033 |
| Core capital (leverage) ratio | 12.4871% | 1,577 |
| Tier 1 risk-based capital ratio | 13.0096% | 3,843 |
| Total risk-based capital ratio | 14.2631% | 3,742 |
| Memoranda: | ||
| Average total assets | $348,907,250 | 1,922 |
| Average earning assets | $326,497,750 | 1,909 |
| Average equity | $41,935,500 | 1,859 |
| Average total loans | $248,490,000 | 1,847 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 3,424 |
| Cost of funding earning assets | 0.9005% | 2,138 |
| Net interest margin | 3.4678% | 3,693 |
| Noninterest income to average assets | 0.4751% | 2,815 |
| Noninterest expense to average assets | 2.6042% | 3,190 |
| Loan and lease loss provision to assets | 0.0920% | 2,014 |
| Net operating income to assets | 0.9006% | 3,280 |
| Return on assets (ROA) | 0.8845% | 3,407 |
| Pretax return on assets | 1.0185% | 3,478 |
| Return on Equity (ROE) | 7.4206% | 3,524 |
| Retained earnings to average equity (ytd only) | 2.5958% | 3,891 |
| Net charge-offs to loans | 0.2740% | 619 |
| Credit loss provision to net charge-offs | 47.3373% | 2,488 |
| Earnings coverage of net charge-offs (x) | 5.8077% | 2,612 |
| Efficiency ratio | 69.7581% | 2,262 |
| Assets per employee ($millions) | 5.1273% | 2,325 |
| Cash dividends to net income (ytd only)* | 65.0195% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 551 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 70.1694% | 2,509 |
| Net loans and leases to deposits | 85.5354% | 2,307 |
| Net loans and leases to core deposits | 93.6073% | 2,272 |
| Total domestic deposits to total assets | 82.0354% | 3,506 |
| Equity capital to assets | 12.3414% | 1,946 |
| Core capital (leverage) ratio | 12.3637% | 1,604 |
| Tier 1 risk-based capital ratio | 13.1925% | 3,738 |
| Total risk-based capital ratio | 14.4448% | 3,645 |
| Memoranda: | ||
| Average total assets | $347,751,000 | 1,943 |
| Average earning assets | $326,715,670 | 1,922 |
| Average equity | $41,452,000 | 1,876 |
| Average total loans | $246,723,330 | 1,865 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 3,504 |
| Cost of funding earning assets | 0.8738% | 2,133 |
| Net interest margin | 3.4455% | 3,761 |
| Noninterest income to average assets | 0.4585% | 2,803 |
| Noninterest expense to average assets | 2.6399% | 3,089 |
| Loan and lease loss provision to assets | 0.0800% | 2,092 |
| Net operating income to assets | 0.8496% | 3,457 |
| Return on assets (ROA) | 0.8049% | 3,643 |
| Pretax return on assets | 0.9238% | 3,682 |
| Return on Equity (ROE) | 6.8716% | 3,725 |
| Retained earnings to average equity (ytd only) | -2.8892% | 4,808 |
| Net charge-offs to loans | 0.7427% | 199 |
| Credit loss provision to net charge-offs | 15.2505% | 2,161 |
| Earnings coverage of net charge-offs (x) | 2.0109% | 2,536 |
| Efficiency ratio | 71.4418% | 2,121 |
| Assets per employee ($millions) | 5.2477% | 2,231 |
| Cash dividends to net income (ytd only)* | 142.0455% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8616% | 627 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 69.3159% | 2,577 |
| Net loans and leases to deposits | 83.4942% | 2,440 |
| Net loans and leases to core deposits | 90.4365% | 2,452 |
| Total domestic deposits to total assets | 83.0189% | 3,377 |
| Equity capital to assets | 12.0501% | 1,995 |
| Core capital (leverage) ratio | 12.0222% | 1,759 |
| Tier 1 risk-based capital ratio | 12.7733% | 3,995 |
| Total risk-based capital ratio | 14.0246% | 3,893 |
| Memoranda: | ||
| Average total assets | $349,863,500 | 1,948 |
| Average earning assets | $328,664,000 | 1,926 |
| Average equity | $40,980,000 | 1,892 |
| Average total loans | $247,212,000 | 1,875 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1436% | 3,604 |
| Cost of funding earning assets | 0.7265% | 1,923 |
| Net interest margin | 3.4171% | 3,954 |
| Noninterest income to average assets | 0.5163% | 2,740 |
| Noninterest expense to average assets | 2.4756% | 3,684 |
| Loan and lease loss provision to assets | 0.0680% | 2,782 |
| Net operating income to assets | 1.0126% | 2,956 |
| Return on assets (ROA) | 1.0104% | 2,946 |
| Pretax return on assets | 1.1861% | 2,928 |
| Return on Equity (ROE) | 9.1468% | 2,921 |
| Retained earnings to average equity (ytd only) | 7.8643% | 1,294 |
| Net charge-offs to loans | 0.0041% | 3,580 |
| Credit loss provision to net charge-offs | 2,400.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 443.5000% | 240 |
| Efficiency ratio | 66.3301% | 2,818 |
| Assets per employee ($millions) | 5.4337% | 2,023 |
| Cash dividends to net income (ytd only)* | 14.0213% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9227% | 549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 69.3278% | 2,687 |
| Net loans and leases to deposits | 89.1584% | 1,905 |
| Net loans and leases to core deposits | 96.7484% | 1,985 |
| Total domestic deposits to total assets | 77.7581% | 4,528 |
| Equity capital to assets | 11.3927% | 2,336 |
| Core capital (leverage) ratio | 11.8365% | 1,842 |
| Tier 1 risk-based capital ratio | 12.3576% | 4,208 |
| Total risk-based capital ratio | 13.6098% | 4,084 |
| Memoranda: | ||
| Average total assets | $352,924,200 | 1,909 |
| Average earning assets | $332,151,200 | 1,880 |
| Average equity | $38,986,400 | 1,906 |
| Average total loans | $244,136,000 | 1,860 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 3,812 |
| Cost of funding earning assets | 0.6795% | 1,976 |
| Net interest margin | 3.3627% | 4,126 |
| Noninterest income to average assets | 0.4700% | 3,041 |
| Noninterest expense to average assets | 2.4219% | 3,800 |
| Loan and lease loss provision to assets | 0.0683% | 2,610 |
| Net operating income to assets | 0.9698% | 3,219 |
| Return on assets (ROA) | 0.9669% | 3,244 |
| Pretax return on assets | 1.1433% | 3,225 |
| Return on Equity (ROE) | 8.8232% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.0925% | 2,081 |
| Net charge-offs to loans | -0.0066% | 4,290 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5937% | 2,773 |
| Assets per employee ($millions) | 5.2374% | 2,187 |
| Cash dividends to net income (ytd only)* | 19.6155% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9162% | 570 |
| Loan loss allowance to noncurrent loans | 8,337.9310% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 4,918 |
| Noncurrent loans to loans | 0.0230% | 4,800 |
| Net loans and leases to total assets | 69.5054% | 2,724 |
| Net loans and leases to deposits | 92.6277% | 1,546 |
| Net loans and leases to core deposits | 100.3779% | 1,756 |
| Total domestic deposits to total assets | 75.0374% | 4,879 |
| Equity capital to assets | 11.0455% | 2,620 |
| Core capital (leverage) ratio | 11.7488% | 1,966 |
| Tier 1 risk-based capital ratio | 12.2845% | 4,329 |
| Total risk-based capital ratio | 13.5370% | 4,215 |
| Memoranda: | ||
| Average total assets | $351,499,000 | 1,927 |
| Average earning assets | $331,030,750 | 1,896 |
| Average equity | $38,518,750 | 1,926 |
| Average total loans | $241,794,750 | 1,878 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9704% | 3,873 |
| Cost of funding earning assets | 0.6419% | 1,976 |
| Net interest margin | 3.3285% | 4,168 |
| Noninterest income to average assets | 0.4566% | 3,114 |
| Noninterest expense to average assets | 2.4455% | 3,790 |
| Loan and lease loss provision to assets | 0.0686% | 2,508 |
| Net operating income to assets | 0.9233% | 3,351 |
| Return on assets (ROA) | 0.9184% | 3,389 |
| Pretax return on assets | 1.0693% | 3,436 |
| Return on Equity (ROE) | 8.4036% | 3,311 |
| Retained earnings to average equity (ytd only) | 5.7889% | 2,675 |
| Net charge-offs to loans | -0.0101% | 4,321 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1369% | 2,621 |
| Assets per employee ($millions) | 5.0632% | 2,333 |
| Cash dividends to net income (ytd only)* | 31.1139% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9977% | 522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 68.0498% | 2,862 |
| Net loans and leases to deposits | 87.7460% | 2,141 |
| Net loans and leases to core deposits | 94.9408% | 2,145 |
| Total domestic deposits to total assets | 77.5532% | 4,656 |
| Equity capital to assets | 11.2475% | 2,412 |
| Core capital (leverage) ratio | 11.5803% | 2,002 |
| Tier 1 risk-based capital ratio | 12.5637% | 4,143 |
| Total risk-based capital ratio | 13.8168% | 4,043 |
| Memoranda: | ||
| Average total assets | $349,950,330 | 1,938 |
| Average earning assets | $329,338,670 | 1,910 |
| Average equity | $38,245,670 | 1,943 |
| Average total loans | $238,267,670 | 1,902 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9069% | 3,910 |
| Cost of funding earning assets | 0.6289% | 1,856 |
| Net interest margin | 3.2780% | 4,244 |
| Noninterest income to average assets | 0.4649% | 3,033 |
| Noninterest expense to average assets | 2.4639% | 3,763 |
| Loan and lease loss provision to assets | 0.0680% | 2,405 |
| Net operating income to assets | 0.8595% | 3,460 |
| Return on assets (ROA) | 0.8595% | 3,471 |
| Pretax return on assets | 0.9944% | 3,552 |
| Return on Equity (ROE) | 7.9777% | 3,381 |
| Retained earnings to average equity (ytd only) | 2.7154% | 4,089 |
| Net charge-offs to loans | -0.0203% | 4,571 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8714% | 2,502 |
| Assets per employee ($millions) | 5.1482% | 2,304 |
| Cash dividends to net income (ytd only)* | 65.9631% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0505% | 487 |
| Loan loss allowance to noncurrent loans | 754.5600% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 4,189 |
| Noncurrent loans to loans | 0.2717% | 3,796 |
| Net loans and leases to total assets | 64.3514% | 3,265 |
| Net loans and leases to deposits | 82.6314% | 2,533 |
| Net loans and leases to core deposits | 85.6945% | 2,832 |
| Total domestic deposits to total assets | 77.8776% | 4,741 |
| Equity capital to assets | 10.8317% | 2,743 |
| Core capital (leverage) ratio | 11.1478% | 2,283 |
| Tier 1 risk-based capital ratio | 12.3368% | 4,352 |
| Total risk-based capital ratio | 13.5896% | 4,241 |
| Memoranda: | ||
| Average total assets | $352,776,500 | 1,933 |
| Average earning assets | $329,466,000 | 1,924 |
| Average equity | $38,006,000 | 1,952 |
| Average total loans | $235,930,000 | 1,921 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 4,014 |
| Cost of funding earning assets | 0.4967% | 2,362 |
| Net interest margin | 3.3131% | 4,115 |
| Noninterest income to average assets | 0.5317% | 2,814 |
| Noninterest expense to average assets | 2.4814% | 3,846 |
| Loan and lease loss provision to assets | 0.0692% | 2,818 |
| Net operating income to assets | 0.7742% | 3,277 |
| Return on assets (ROA) | 0.7765% | 3,311 |
| Pretax return on assets | 1.0864% | 3,239 |
| Return on Equity (ROE) | 7.2446% | 3,155 |
| Retained earnings to average equity (ytd only) | 5.8995% | 1,591 |
| Net charge-offs to loans | -0.0022% | 4,540 |
| Credit loss provision to net charge-offs | -4,800.0000% | 5,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2853% | 2,838 |
| Assets per employee ($millions) | 5.0067% | 2,466 |
| Cash dividends to net income (ytd only)* | 18.5667% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9201% | 623 |
| Loan loss allowance to noncurrent loans | 830.7692% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 4,352 |
| Noncurrent loans to loans | 0.2311% | 3,979 |
| Net loans and leases to total assets | 66.7332% | 3,001 |
| Net loans and leases to deposits | 87.0281% | 2,126 |
| Net loans and leases to core deposits | 89.5850% | 2,607 |
| Total domestic deposits to total assets | 76.6801% | 4,899 |
| Equity capital to assets | 10.7160% | 2,926 |
| Core capital (leverage) ratio | 11.1071% | 2,244 |
| Tier 1 risk-based capital ratio | 11.6173% | 4,779 |
| Total risk-based capital ratio | 12.8691% | 4,665 |
| Memoranda: | ||
| Average total assets | $346,818,400 | 1,933 |
| Average earning assets | $324,739,200 | 1,915 |
| Average equity | $37,172,600 | 1,969 |
| Average total loans | $225,787,800 | 1,960 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7599% | 4,142 |
| Cost of funding earning assets | 0.4752% | 2,478 |
| Net interest margin | 3.2848% | 4,217 |
| Noninterest income to average assets | 0.5025% | 3,018 |
| Noninterest expense to average assets | 2.4747% | 3,809 |
| Loan and lease loss provision to assets | 0.0696% | 2,682 |
| Net operating income to assets | 0.7870% | 3,574 |
| Return on assets (ROA) | 0.7861% | 3,634 |
| Pretax return on assets | 1.0352% | 3,546 |
| Return on Equity (ROE) | 7.3337% | 3,479 |
| Retained earnings to average equity (ytd only) | 5.5292% | 2,522 |
| Net charge-offs to loans | -0.0012% | 4,283 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1119% | 2,687 |
| Assets per employee ($millions) | 4.8579% | 2,622 |
| Cash dividends to net income (ytd only)* | 24.6063% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0078% | 563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 65.7497% | 3,137 |
| Net loans and leases to deposits | 85.3830% | 2,383 |
| Net loans and leases to core deposits | 88.5120% | 2,724 |
| Total domestic deposits to total assets | 77.0056% | 4,895 |
| Equity capital to assets | 11.1871% | 2,686 |
| Core capital (leverage) ratio | 11.3835% | 2,116 |
| Tier 1 risk-based capital ratio | 12.0289% | 4,592 |
| Total risk-based capital ratio | 13.2812% | 4,485 |
| Memoranda: | ||
| Average total assets | $344,653,500 | 1,951 |
| Average earning assets | $322,978,000 | 1,936 |
| Average equity | $36,942,500 | 1,991 |
| Average total loans | $221,768,250 | 1,993 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6745% | 4,301 |
| Cost of funding earning assets | 0.4536% | 2,569 |
| Net interest margin | 3.2209% | 4,351 |
| Noninterest income to average assets | 0.4691% | 3,225 |
| Noninterest expense to average assets | 2.4732% | 3,838 |
| Loan and lease loss provision to assets | 0.0693% | 2,586 |
| Net operating income to assets | 0.7304% | 3,705 |
| Return on assets (ROA) | 0.7291% | 3,776 |
| Pretax return on assets | 0.9480% | 3,771 |
| Return on Equity (ROE) | 6.9007% | 3,607 |
| Retained earnings to average equity (ytd only) | 4.1667% | 3,227 |
| Net charge-offs to loans | -0.0018% | 4,176 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8189% | 2,534 |
| Assets per employee ($millions) | 4.7681% | 2,692 |
| Cash dividends to net income (ytd only)* | 39.6197% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0296% | 573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 65.3858% | 3,197 |
| Net loans and leases to deposits | 87.7134% | 2,025 |
| Net loans and leases to core deposits | 91.0060% | 2,429 |
| Total domestic deposits to total assets | 74.5449% | 5,243 |
| Equity capital to assets | 11.1868% | 2,614 |
| Core capital (leverage) ratio | 11.0121% | 2,390 |
| Tier 1 risk-based capital ratio | 12.0525% | 4,602 |
| Total risk-based capital ratio | 13.3050% | 4,478 |
| Memoranda: | ||
| Average total assets | $346,187,330 | 1,944 |
| Average earning assets | $324,943,000 | 1,934 |
| Average equity | $36,576,000 | 2,003 |
| Average total loans | $219,636,330 | 2,013 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5017% | 4,690 |
| Cost of funding earning assets | 0.4261% | 2,758 |
| Net interest margin | 3.0756% | 4,720 |
| Noninterest income to average assets | 0.4245% | 3,487 |
| Noninterest expense to average assets | 2.5074% | 3,786 |
| Loan and lease loss provision to assets | 0.0681% | 2,447 |
| Net operating income to assets | 0.5831% | 4,227 |
| Return on assets (ROA) | 0.6118% | 4,165 |
| Pretax return on assets | 0.7775% | 4,194 |
| Return on Equity (ROE) | 5.9566% | 3,934 |
| Retained earnings to average equity (ytd only) | 0.4310% | 4,821 |
| Net charge-offs to loans | -0.0018% | 4,005 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5989% | 1,972 |
| Assets per employee ($millions) | 4.9994% | 2,450 |
| Cash dividends to net income (ytd only)* | 92.7644% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1041% | 550 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 59.2947% | 3,857 |
| Net loans and leases to deposits | 76.3724% | 3,151 |
| Net loans and leases to core deposits | 79.1314% | 3,374 |
| Total domestic deposits to total assets | 77.6388% | 5,019 |
| Equity capital to assets | 10.3686% | 3,330 |
| Core capital (leverage) ratio | 10.4484% | 2,959 |
| Tier 1 risk-based capital ratio | 11.3282% | 5,127 |
| Total risk-based capital ratio | 12.5798% | 5,032 |
| Memoranda: | ||
| Average total assets | $352,397,000 | 1,922 |
| Average earning assets | $331,386,000 | 1,904 |
| Average equity | $36,195,000 | 2,020 |
| Average total loans | $218,075,500 | 2,041 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 4,510 |
| Cost of funding earning assets | 0.3755% | 3,255 |
| Net interest margin | 3.2234% | 4,370 |
| Noninterest income to average assets | 0.6041% | 2,642 |
| Noninterest expense to average assets | 2.4622% | 4,123 |
| Loan and lease loss provision to assets | 0.0702% | 2,950 |
| Net operating income to assets | 0.8255% | 3,181 |
| Return on assets (ROA) | 0.8764% | 3,059 |
| Pretax return on assets | 1.1691% | 2,811 |
| Return on Equity (ROE) | 8.4688% | 2,693 |
| Retained earnings to average equity (ytd only) | 7.6211% | 992 |
| Net charge-offs to loans | -0.0005% | 4,634 |
| Credit loss provision to net charge-offs | -24,000.0000% | 5,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7611% | 3,287 |
| Assets per employee ($millions) | 5.1425% | 2,239 |
| Cash dividends to net income (ytd only)* | 10.0100% | 4,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 61.9401% | 3,616 |
| Net loans and leases to deposits | 83.5011% | 2,477 |
| Net loans and leases to core deposits | 86.7902% | 2,784 |
| Total domestic deposits to total assets | 74.1787% | 5,427 |
| Equity capital to assets | 10.1749% | 3,512 |
| Core capital (leverage) ratio | 10.3750% | 3,024 |
| Tier 1 risk-based capital ratio | 12.4273% | 4,425 |
| Total risk-based capital ratio | 13.6801% | 4,310 |
| Memoranda: | ||
| Average total assets | $341,970,200 | 1,940 |
| Average earning assets | $321,403,600 | 1,912 |
| Average equity | $35,388,800 | 2,058 |
| Average total loans | $215,957,200 | 2,002 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5947% | 4,567 |
| Cost of funding earning assets | 0.3713% | 3,318 |
| Net interest margin | 3.2234% | 4,418 |
| Noninterest income to average assets | 0.5203% | 3,112 |
| Noninterest expense to average assets | 2.4434% | 4,155 |
| Loan and lease loss provision to assets | 0.0708% | 2,796 |
| Net operating income to assets | 0.7821% | 3,441 |
| Return on assets (ROA) | 0.8505% | 3,272 |
| Pretax return on assets | 1.1284% | 3,117 |
| Return on Equity (ROE) | 8.1831% | 2,920 |
| Retained earnings to average equity (ytd only) | 7.0471% | 1,606 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8020% | 3,080 |
| Assets per employee ($millions) | 5.1055% | 2,249 |
| Cash dividends to net income (ytd only)* | 13.8825% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9621% | 769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 62.4329% | 3,600 |
| Net loans and leases to deposits | 82.3260% | 2,690 |
| Net loans and leases to core deposits | 85.8230% | 2,964 |
| Total domestic deposits to total assets | 75.8362% | 5,257 |
| Equity capital to assets | 10.4886% | 3,578 |
| Core capital (leverage) ratio | 10.6338% | 2,846 |
| Tier 1 risk-based capital ratio | 12.0131% | 4,781 |
| Total risk-based capital ratio | 13.2653% | 4,682 |
| Memoranda: | ||
| Average total assets | $338,754,000 | 1,961 |
| Average earning assets | $318,535,250 | 1,931 |
| Average equity | $35,210,000 | 2,079 |
| Average total loans | $213,900,500 | 2,019 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5851% | 4,639 |
| Cost of funding earning assets | 0.3657% | 3,400 |
| Net interest margin | 3.2194% | 4,486 |
| Noninterest income to average assets | 0.4519% | 3,510 |
| Noninterest expense to average assets | 2.4659% | 4,132 |
| Loan and lease loss provision to assets | 0.0714% | 2,705 |
| Net operating income to assets | 0.7179% | 3,707 |
| Return on assets (ROA) | 0.7930% | 3,486 |
| Pretax return on assets | 1.0424% | 3,426 |
| Return on Equity (ROE) | 7.6533% | 3,171 |
| Retained earnings to average equity (ytd only) | 5.9296% | 2,159 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8397% | 2,853 |
| Assets per employee ($millions) | 4.8843% | 2,434 |
| Cash dividends to net income (ytd only)* | 22.5225% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9960% | 741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 63.2441% | 3,469 |
| Net loans and leases to deposits | 83.5880% | 2,515 |
| Net loans and leases to core deposits | 86.9530% | 2,824 |
| Total domestic deposits to total assets | 75.6616% | 5,328 |
| Equity capital to assets | 10.7740% | 3,316 |
| Core capital (leverage) ratio | 10.5666% | 2,886 |
| Tier 1 risk-based capital ratio | 12.2789% | 4,660 |
| Total risk-based capital ratio | 13.5317% | 4,578 |
| Memoranda: | ||
| Average total assets | $335,946,670 | 1,984 |
| Average earning assets | $316,087,670 | 1,958 |
| Average equity | $34,808,670 | 2,098 |
| Average total loans | $211,504,000 | 2,039 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5321% | 4,810 |
| Cost of funding earning assets | 0.3708% | 3,390 |
| Net interest margin | 3.1613% | 4,701 |
| Noninterest income to average assets | 0.4321% | 3,598 |
| Noninterest expense to average assets | 2.4768% | 4,140 |
| Loan and lease loss provision to assets | 0.0710% | 2,531 |
| Net operating income to assets | 0.6709% | 3,876 |
| Return on assets (ROA) | 0.6737% | 3,978 |
| Pretax return on assets | 0.8655% | 3,981 |
| Return on Equity (ROE) | 6.6315% | 3,655 |
| Retained earnings to average equity (ytd only) | 3.1351% | 3,952 |
| Net charge-offs to loans | 0.0019% | 3,056 |
| Credit loss provision to net charge-offs | 6,000.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 788.0000% | 61 |
| Efficiency ratio | 72.6389% | 2,709 |
| Assets per employee ($millions) | 5.0691% | 2,268 |
| Cash dividends to net income (ytd only)* | 52.7241% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0721% | 725 |
| Loan loss allowance to noncurrent loans | 105,425.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,689 |
| Noncurrent loans to loans | 0.0020% | 5,528 |
| Net loans and leases to total assets | 59.5713% | 3,839 |
| Net loans and leases to deposits | 77.7702% | 3,024 |
| Net loans and leases to core deposits | 80.7135% | 3,265 |
| Total domestic deposits to total assets | 76.5990% | 5,346 |
| Equity capital to assets | 10.4301% | 3,577 |
| Core capital (leverage) ratio | 10.0601% | 3,462 |
| Tier 1 risk-based capital ratio | 12.5428% | 4,548 |
| Total risk-based capital ratio | 13.7962% | 4,459 |
| Memoranda: | ||
| Average total assets | $337,853,000 | 1,982 |
| Average earning assets | $318,222,500 | 1,945 |
| Average equity | $34,321,000 | 2,124 |
| Average total loans | $210,089,500 | 2,054 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3595% | 5,246 |
| Cost of funding earning assets | 0.3829% | 3,341 |
| Net interest margin | 2.9766% | 5,192 |
| Noninterest income to average assets | 0.5070% | 3,273 |
| Noninterest expense to average assets | 2.2917% | 4,814 |
| Loan and lease loss provision to assets | 0.0711% | 2,855 |
| Net operating income to assets | 0.7382% | 3,630 |
| Return on assets (ROA) | 0.7425% | 3,707 |
| Pretax return on assets | 0.9614% | 3,611 |
| Return on Equity (ROE) | 7.7114% | 3,127 |
| Retained earnings to average equity (ytd only) | 6.4195% | 1,589 |
| Net charge-offs to loans | 0.0103% | 4,107 |
| Credit loss provision to net charge-offs | 1,200.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 173.3500% | 376 |
| Efficiency ratio | 69.0585% | 3,389 |
| Assets per employee ($millions) | 5.2484% | 2,061 |
| Cash dividends to net income (ytd only)* | 16.7531% | 3,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9191% | 921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 62.2907% | 3,515 |
| Net loans and leases to deposits | 81.1644% | 2,691 |
| Net loans and leases to core deposits | 83.8888% | 2,977 |
| Total domestic deposits to total assets | 76.7464% | 5,362 |
| Equity capital to assets | 9.8922% | 4,081 |
| Core capital (leverage) ratio | 10.1377% | 3,338 |
| Tier 1 risk-based capital ratio | 11.4942% | 5,257 |
| Total risk-based capital ratio | 12.7462% | 5,158 |
| Memoranda: | ||
| Average total assets | $337,648,800 | 1,943 |
| Average earning assets | $318,918,200 | 1,896 |
| Average equity | $32,510,400 | 2,169 |
| Average total loans | $193,616,200 | 2,137 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2981% | 5,412 |
| Cost of funding earning assets | 0.3904% | 3,320 |
| Net interest margin | 2.9077% | 5,398 |
| Noninterest income to average assets | 0.4620% | 3,615 |
| Noninterest expense to average assets | 2.2650% | 4,873 |
| Loan and lease loss provision to assets | 0.0713% | 2,752 |
| Net operating income to assets | 0.6362% | 4,205 |
| Return on assets (ROA) | 0.6414% | 4,287 |
| Pretax return on assets | 0.8813% | 4,046 |
| Return on Equity (ROE) | 6.7077% | 3,774 |
| Retained earnings to average equity (ytd only) | 4.9686% | 2,941 |
| Net charge-offs to loans | 0.0149% | 3,658 |
| Credit loss provision to net charge-offs | 857.1429% | 417 |
| Earnings coverage of net charge-offs (x) | 113.7114% | 562 |
| Efficiency ratio | 70.5512% | 3,124 |
| Assets per employee ($millions) | 5.0129% | 2,283 |
| Cash dividends to net income (ytd only)* | 25.9261% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0457% | 852 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 60.2070% | 3,857 |
| Net loans and leases to deposits | 81.3386% | 2,723 |
| Net loans and leases to core deposits | 84.3966% | 2,997 |
| Total domestic deposits to total assets | 74.0202% | 5,710 |
| Equity capital to assets | 10.1629% | 3,981 |
| Core capital (leverage) ratio | 10.0443% | 3,563 |
| Tier 1 risk-based capital ratio | 12.0483% | 5,051 |
| Total risk-based capital ratio | 13.3012% | 4,966 |
| Memoranda: | ||
| Average total assets | $336,774,250 | 1,958 |
| Average earning assets | $318,314,500 | 1,911 |
| Average equity | $32,201,250 | 2,206 |
| Average total loans | $187,855,000 | 2,192 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1743% | 5,658 |
| Cost of funding earning assets | 0.3954% | 3,325 |
| Net interest margin | 2.7789% | 5,660 |
| Noninterest income to average assets | 0.4195% | 3,928 |
| Noninterest expense to average assets | 2.2555% | 4,961 |
| Loan and lease loss provision to assets | 0.0705% | 2,698 |
| Net operating income to assets | 0.5346% | 4,634 |
| Return on assets (ROA) | 0.5429% | 4,699 |
| Pretax return on assets | 0.7350% | 4,545 |
| Return on Equity (ROE) | 5.7937% | 4,237 |
| Retained earnings to average equity (ytd only) | 3.1602% | 4,045 |
| Net charge-offs to loans | 0.0250% | 3,176 |
| Credit loss provision to net charge-offs | 521.7391% | 610 |
| Earnings coverage of net charge-offs (x) | 58.7826% | 850 |
| Efficiency ratio | 73.9549% | 2,684 |
| Assets per employee ($millions) | 5.0492% | 2,214 |
| Cash dividends to net income (ytd only)* | 45.4545% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1075% | 850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 57.1066% | 4,207 |
| Net loans and leases to deposits | 79.3978% | 2,862 |
| Net loans and leases to core deposits | 82.4429% | 3,128 |
| Total domestic deposits to total assets | 71.9247% | 5,940 |
| Equity capital to assets | 9.7700% | 4,317 |
| Core capital (leverage) ratio | 9.5185% | 4,258 |
| Tier 1 risk-based capital ratio | 12.4488% | 4,842 |
| Total risk-based capital ratio | 13.7026% | 4,752 |
| Memoranda: | ||
| Average total assets | $340,418,670 | 1,950 |
| Average earning assets | $322,215,000 | 1,905 |
| Average equity | $31,896,670 | 2,227 |
| Average total loans | $183,714,670 | 2,238 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0550% | 5,834 |
| Cost of funding earning assets | 0.3969% | 3,340 |
| Net interest margin | 2.6580% | 5,850 |
| Noninterest income to average assets | 0.4271% | 3,785 |
| Noninterest expense to average assets | 2.1713% | 5,222 |
| Loan and lease loss provision to assets | 0.0693% | 2,559 |
| Net operating income to assets | 0.5226% | 4,572 |
| Return on assets (ROA) | 0.5183% | 4,712 |
| Pretax return on assets | 0.7007% | 4,588 |
| Return on Equity (ROE) | 5.6456% | 4,204 |
| Retained earnings to average equity (ytd only) | 0.3646% | 5,254 |
| Net charge-offs to loans | 0.0512% | 2,270 |
| Credit loss provision to net charge-offs | 260.8696% | 900 |
| Earnings coverage of net charge-offs (x) | 29.2174% | 1,174 |
| Efficiency ratio | 73.6780% | 2,865 |
| Assets per employee ($millions) | 5.3882% | 1,904 |
| Cash dividends to net income (ytd only)* | 93.5412% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3796% | 636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 47.2885% | 5,102 |
| Net loans and leases to deposits | 62.6499% | 4,512 |
| Net loans and leases to core deposits | 64.6906% | 4,639 |
| Total domestic deposits to total assets | 75.4806% | 5,790 |
| Equity capital to assets | 9.3201% | 4,939 |
| Core capital (leverage) ratio | 9.0678% | 4,875 |
| Tier 1 risk-based capital ratio | 13.4409% | 4,355 |
| Total risk-based capital ratio | 14.6964% | 4,270 |
| Memoranda: | ||
| Average total assets | $346,528,000 | 1,915 |
| Average earning assets | $328,513,500 | 1,872 |
| Average equity | $31,812,500 | 2,244 |
| Average total loans | $179,842,500 | 2,274 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3915% | 5,549 |
| Cost of funding earning assets | 0.4388% | 3,290 |
| Net interest margin | 2.9527% | 5,547 |
| Noninterest income to average assets | 0.4870% | 3,610 |
| Noninterest expense to average assets | 2.0888% | 5,598 |
| Loan and lease loss provision to assets | 0.0717% | 3,049 |
| Net operating income to assets | 0.7957% | 3,396 |
| Return on assets (ROA) | 0.8045% | 3,444 |
| Pretax return on assets | 1.0729% | 3,195 |
| Return on Equity (ROE) | 9.0100% | 2,578 |
| Retained earnings to average equity (ytd only) | 8.0066% | 1,014 |
| Net charge-offs to loans | -0.0006% | 5,325 |
| Credit loss provision to net charge-offs | -24,000.0000% | 6,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8346% | 4,431 |
| Assets per employee ($millions) | 5.6163% | 1,677 |
| Cash dividends to net income (ytd only)* | 11.1359% | 4,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0442% | 1,035 |
| Loan loss allowance to noncurrent loans | 15,146.1538% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 6,050 |
| Noncurrent loans to loans | 0.0135% | 5,856 |
| Net loans and leases to total assets | 54.1913% | 4,558 |
| Net loans and leases to deposits | 75.1431% | 3,294 |
| Net loans and leases to core deposits | 78.0652% | 3,513 |
| Total domestic deposits to total assets | 72.1175% | 6,073 |
| Equity capital to assets | 9.0419% | 5,241 |
| Core capital (leverage) ratio | 9.3499% | 4,464 |
| Tier 1 risk-based capital ratio | 12.6613% | 4,939 |
| Total risk-based capital ratio | 13.9782% | 4,813 |
| Memoranda: | ||
| Average total assets | $334,882,800 | 1,937 |
| Average earning assets | $310,162,000 | 1,932 |
| Average equity | $29,900,200 | 2,274 |
| Average total loans | $179,201,200 | 2,237 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4345% | 5,531 |
| Cost of funding earning assets | 0.4528% | 3,214 |
| Net interest margin | 2.9817% | 5,538 |
| Noninterest income to average assets | 0.4946% | 3,581 |
| Noninterest expense to average assets | 2.1000% | 5,571 |
| Loan and lease loss provision to assets | 0.0724% | 2,895 |
| Net operating income to assets | 0.7682% | 3,577 |
| Return on assets (ROA) | 0.7745% | 3,647 |
| Pretax return on assets | 1.0773% | 3,275 |
| Return on Equity (ROE) | 8.7037% | 2,840 |
| Retained earnings to average equity (ytd only) | 7.3480% | 1,649 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7971% | 4,412 |
| Assets per employee ($millions) | 5.4223% | 1,798 |
| Cash dividends to net income (ytd only)* | 15.5763% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1967% | 954 |
| Loan loss allowance to noncurrent loans | 14,359.2593% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 6,162 |
| Noncurrent loans to loans | 0.0153% | 5,972 |
| Net loans and leases to total assets | 52.1862% | 4,785 |
| Net loans and leases to deposits | 70.9989% | 3,799 |
| Net loans and leases to core deposits | 73.8474% | 3,956 |
| Total domestic deposits to total assets | 73.5028% | 6,054 |
| Equity capital to assets | 9.2106% | 5,136 |
| Core capital (leverage) ratio | 9.2521% | 4,703 |
| Tier 1 risk-based capital ratio | 13.3624% | 4,632 |
| Total risk-based capital ratio | 14.6892% | 4,525 |
| Memoranda: | ||
| Average total assets | $331,550,750 | 1,966 |
| Average earning assets | $305,362,000 | 1,977 |
| Average equity | $29,504,000 | 2,310 |
| Average total loans | $175,842,000 | 2,284 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4424% | 5,537 |
| Cost of funding earning assets | 0.4665% | 3,145 |
| Net interest margin | 2.9759% | 5,584 |
| Noninterest income to average assets | 0.4406% | 3,937 |
| Noninterest expense to average assets | 2.0771% | 5,674 |
| Loan and lease loss provision to assets | 0.0723% | 2,826 |
| Net operating income to assets | 0.7277% | 3,687 |
| Return on assets (ROA) | 0.7528% | 3,651 |
| Pretax return on assets | 1.0446% | 3,301 |
| Return on Equity (ROE) | 8.5596% | 2,809 |
| Retained earnings to average equity (ytd only) | 6.5036% | 2,034 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7508% | 4,397 |
| Assets per employee ($millions) | 5.4574% | 1,733 |
| Cash dividends to net income (ytd only)* | 24.0192% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1920% | 1,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 52.0147% | 4,747 |
| Net loans and leases to deposits | 71.4170% | 3,648 |
| Net loans and leases to core deposits | 74.3331% | 3,800 |
| Total domestic deposits to total assets | 72.8324% | 6,197 |
| Equity capital to assets | 9.1396% | 5,168 |
| Core capital (leverage) ratio | 9.0503% | 4,946 |
| Tier 1 risk-based capital ratio | 13.3620% | 4,681 |
| Total risk-based capital ratio | 14.6874% | 4,568 |
| Memoranda: | ||
| Average total assets | $331,814,330 | 1,967 |
| Average earning assets | $303,102,330 | 1,993 |
| Average equity | $29,183,670 | 2,325 |
| Average total loans | $175,626,670 | 2,284 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4895% | 5,451 |
| Cost of funding earning assets | 0.4846% | 3,064 |
| Net interest margin | 3.0049% | 5,511 |
| Noninterest income to average assets | 0.4287% | 3,957 |
| Noninterest expense to average assets | 1.9593% | 5,963 |
| Loan and lease loss provision to assets | 0.0719% | 2,703 |
| Net operating income to assets | 0.7844% | 3,228 |
| Return on assets (ROA) | 0.7844% | 3,309 |
| Pretax return on assets | 1.0934% | 2,935 |
| Return on Equity (ROE) | 9.0934% | 2,417 |
| Retained earnings to average equity (ytd only) | 4.9285% | 3,153 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7060% | 5,034 |
| Assets per employee ($millions) | 5.4087% | 1,795 |
| Cash dividends to net income (ytd only)* | 45.8015% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2587% | 1,091 |
| Loan loss allowance to noncurrent loans | 375,700.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 6,360 |
| Noncurrent loans to loans | 0.0006% | 6,205 |
| Net loans and leases to total assets | 48.4829% | 5,062 |
| Net loans and leases to deposits | 64.2004% | 4,292 |
| Net loans and leases to core deposits | 66.6575% | 4,431 |
| Total domestic deposits to total assets | 75.5181% | 6,116 |
| Equity capital to assets | 8.7294% | 5,421 |
| Core capital (leverage) ratio | 8.7342% | 5,340 |
| Tier 1 risk-based capital ratio | 13.5547% | 4,645 |
| Total risk-based capital ratio | 14.8831% | 4,543 |
| Memoranda: | ||
| Average total assets | $334,000,500 | 1,963 |
| Average earning assets | $299,643,000 | 2,012 |
| Average equity | $28,812,000 | 2,339 |
| Average total loans | $176,372,500 | 2,273 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5225% | 5,597 |
| Cost of funding earning assets | 0.5106% | 3,494 |
| Net interest margin | 3.0119% | 5,551 |
| Noninterest income to average assets | 0.5043% | 3,724 |
| Noninterest expense to average assets | 2.0454% | 5,930 |
| Loan and lease loss provision to assets | 0.0966% | 3,189 |
| Net operating income to assets | 0.8253% | 3,158 |
| Return on assets (ROA) | 0.8279% | 3,229 |
| Pretax return on assets | 1.1219% | 2,877 |
| Return on Equity (ROE) | 9.2099% | 2,448 |
| Retained earnings to average equity (ytd only) | 9.2099% | 731 |
| Net charge-offs to loans | -0.0058% | 5,945 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7358% | 5,097 |
| Assets per employee ($millions) | 5.4535% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9833% | 1,595 |
| Loan loss allowance to noncurrent loans | 123,233.3333% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,456 |
| Noncurrent loans to loans | 0.0016% | 6,311 |
| Net loans and leases to total assets | 54.9233% | 4,473 |
| Net loans and leases to deposits | 73.9342% | 3,265 |
| Net loans and leases to core deposits | 76.6983% | 3,533 |
| Total domestic deposits to total assets | 74.2867% | 6,258 |
| Equity capital to assets | 8.5224% | 5,557 |
| Core capital (leverage) ratio | 9.0994% | 4,856 |
| Tier 1 risk-based capital ratio | 12.0959% | 5,563 |
| Total risk-based capital ratio | 13.4018% | 5,458 |
| Memoranda: | ||
| Average total assets | $310,552,200 | 2,077 |
| Average earning assets | $284,169,200 | 2,084 |
| Average equity | $27,915,600 | 2,386 |
| Average total loans | $171,679,000 | 2,284 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4889% | 5,711 |
| Cost of funding earning assets | 0.5175% | 3,594 |
| Net interest margin | 2.9715% | 5,662 |
| Noninterest income to average assets | 0.6058% | 3,114 |
| Noninterest expense to average assets | 2.1248% | 5,782 |
| Loan and lease loss provision to assets | 0.1049% | 3,005 |
| Net operating income to assets | 0.7978% | 3,355 |
| Return on assets (ROA) | 0.8012% | 3,471 |
| Pretax return on assets | 1.1094% | 3,072 |
| Return on Equity (ROE) | 8.7890% | 2,746 |
| Retained earnings to average equity (ytd only) | 8.7890% | 1,123 |
| Net charge-offs to loans | -0.0111% | 5,911 |
| Credit loss provision to net charge-offs | -1,714.2857% | 6,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7257% | 4,848 |
| Assets per employee ($millions) | 4.9231% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0277% | 1,656 |
| Loan loss allowance to noncurrent loans | 91,025.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,536 |
| Noncurrent loans to loans | 0.0022% | 6,391 |
| Net loans and leases to total assets | 57.6338% | 4,071 |
| Net loans and leases to deposits | 76.1056% | 2,950 |
| Net loans and leases to core deposits | 79.6380% | 3,162 |
| Total domestic deposits to total assets | 75.7288% | 6,201 |
| Equity capital to assets | 9.0698% | 5,104 |
| Core capital (leverage) ratio | 9.6748% | 4,136 |
| Tier 1 risk-based capital ratio | 12.5309% | 5,443 |
| Total risk-based capital ratio | 13.8430% | 5,339 |
| Memoranda: | ||
| Average total assets | $305,024,250 | 2,121 |
| Average earning assets | $280,080,250 | 2,120 |
| Average equity | $27,806,750 | 2,424 |
| Average total loans | $167,997,000 | 2,331 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4448% | 5,803 |
| Cost of funding earning assets | 0.5406% | 3,499 |
| Net interest margin | 2.9043% | 5,794 |
| Noninterest income to average assets | 0.4617% | 4,081 |
| Noninterest expense to average assets | 2.1229% | 5,821 |
| Loan and lease loss provision to assets | 0.1181% | 2,850 |
| Net operating income to assets | 0.6598% | 4,018 |
| Return on assets (ROA) | 0.6526% | 4,213 |
| Pretax return on assets | 0.8782% | 3,991 |
| Return on Equity (ROE) | 7.1460% | 3,519 |
| Retained earnings to average equity (ytd only) | 7.1460% | 1,821 |
| Net charge-offs to loans | -0.0171% | 5,915 |
| Credit loss provision to net charge-offs | -1,285.7143% | 6,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8474% | 4,207 |
| Assets per employee ($millions) | 4.8571% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1770% | 1,470 |
| Loan loss allowance to noncurrent loans | 4,069.3182% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 6,441 |
| Noncurrent loans to loans | 0.0535% | 6,231 |
| Net loans and leases to total assets | 54.3107% | 4,543 |
| Net loans and leases to deposits | 71.6761% | 3,498 |
| Net loans and leases to core deposits | 75.3997% | 3,624 |
| Total domestic deposits to total assets | 75.7724% | 6,271 |
| Equity capital to assets | 9.2026% | 4,989 |
| Core capital (leverage) ratio | 9.1413% | 4,770 |
| Tier 1 risk-based capital ratio | 13.0983% | 5,074 |
| Total risk-based capital ratio | 14.4178% | 4,956 |
| Memoranda: | ||
| Average total assets | $304,954,330 | 2,129 |
| Average earning assets | $280,071,000 | 2,129 |
| Average equity | $27,847,670 | 2,433 |
| Average total loans | $164,143,000 | 2,383 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3789% | 5,985 |
| Cost of funding earning assets | 0.5761% | 3,324 |
| Net interest margin | 2.8028% | 6,027 |
| Noninterest income to average assets | 0.5652% | 3,342 |
| Noninterest expense to average assets | 2.0796% | 5,956 |
| Loan and lease loss provision to assets | 0.1164% | 2,779 |
| Net operating income to assets | 0.6311% | 4,073 |
| Return on assets (ROA) | 0.6311% | 4,227 |
| Pretax return on assets | 0.9363% | 3,632 |
| Return on Equity (ROE) | 6.9371% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.9371% | 2,184 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3914% | 4,596 |
| Assets per employee ($millions) | 5.3500% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3140% | 1,388 |
| Loan loss allowance to noncurrent loans | 43,462.5000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 6,645 |
| Noncurrent loans to loans | 0.0053% | 6,496 |
| Net loans and leases to total assets | 46.5015% | 5,387 |
| Net loans and leases to deposits | 58.8996% | 4,923 |
| Net loans and leases to core deposits | 61.5713% | 4,993 |
| Total domestic deposits to total assets | 78.9506% | 5,970 |
| Equity capital to assets | 8.9963% | 5,488 |
| Core capital (leverage) ratio | 8.6371% | 5,407 |
| Tier 1 risk-based capital ratio | 13.6225% | 4,776 |
| Total risk-based capital ratio | 14.9443% | 4,689 |
| Memoranda: | ||
| Average total assets | $309,288,500 | 2,126 |
| Average earning assets | $283,287,000 | 2,129 |
| Average equity | $28,138,500 | 2,428 |
| Average total loans | $163,966,500 | 2,391 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 5,545 |
| Cost of funding earning assets | 0.7719% | 2,899 |
| Net interest margin | 3.1381% | 5,726 |
| Noninterest income to average assets | 0.7226% | 2,614 |
| Noninterest expense to average assets | 2.1793% | 5,969 |
| Loan and lease loss provision to assets | 0.1312% | 3,980 |
| Net operating income to assets | 0.9198% | 2,715 |
| Return on assets (ROA) | 0.9623% | 2,728 |
| Pretax return on assets | 1.3405% | 2,251 |
| Return on Equity (ROE) | 9.8071% | 2,255 |
| Retained earnings to average equity (ytd only) | 7.1334% | 1,506 |
| Net charge-offs to loans | 0.0140% | 5,718 |
| Credit loss provision to net charge-offs | 1,636.3636% | 145 |
| Earnings coverage of net charge-offs (x) | 176.2273% | 236 |
| Efficiency ratio | 60.6715% | 5,433 |
| Assets per employee ($millions) | 5.3145% | 1,878 |
| Cash dividends to net income (ytd only)* | 27.2624% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9063% | 2,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 57.5344% | 4,054 |
| Net loans and leases to deposits | 73.7282% | 3,141 |
| Net loans and leases to core deposits | 76.7448% | 3,435 |
| Total domestic deposits to total assets | 78.0358% | 6,073 |
| Equity capital to assets | 9.2036% | 5,262 |
| Core capital (leverage) ratio | 9.2533% | 4,498 |
| Tier 1 risk-based capital ratio | 11.9536% | 5,821 |
| Total risk-based capital ratio | 13.2405% | 5,748 |
| Memoranda: | ||
| Average total assets | $274,443,200 | 2,310 |
| Average earning assets | $250,949,200 | 2,314 |
| Average equity | $26,929,600 | 2,487 |
| Average total loans | $157,154,600 | 2,470 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9480% | 5,664 |
| Cost of funding earning assets | 0.8094% | 2,869 |
| Net interest margin | 3.1387% | 5,844 |
| Noninterest income to average assets | 0.7995% | 2,240 |
| Noninterest expense to average assets | 2.1911% | 5,974 |
| Loan and lease loss provision to assets | 0.1347% | 3,860 |
| Net operating income to assets | 0.9686% | 2,665 |
| Return on assets (ROA) | 1.0260% | 2,603 |
| Pretax return on assets | 1.4384% | 2,121 |
| Return on Equity (ROE) | 10.2750% | 2,221 |
| Retained earnings to average equity (ytd only) | 8.4767% | 1,415 |
| Net charge-offs to loans | 0.0210% | 5,373 |
| Credit loss provision to net charge-offs | 1,125.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 124.6634% | 350 |
| Efficiency ratio | 59.4854% | 5,584 |
| Assets per employee ($millions) | 5.0302% | 2,149 |
| Cash dividends to net income (ytd only)* | 17.5013% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0495% | 2,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 57.9745% | 4,139 |
| Net loans and leases to deposits | 76.3661% | 2,930 |
| Net loans and leases to core deposits | 78.8709% | 3,340 |
| Total domestic deposits to total assets | 75.9165% | 6,390 |
| Equity capital to assets | 10.2202% | 4,177 |
| Core capital (leverage) ratio | 9.8765% | 3,715 |
| Tier 1 risk-based capital ratio | 13.1185% | 5,154 |
| Total risk-based capital ratio | 14.4340% | 5,072 |
| Memoranda: | ||
| Average total assets | $267,322,750 | 2,395 |
| Average earning assets | $245,618,750 | 2,396 |
| Average equity | $26,692,000 | 2,528 |
| Average total loans | $152,025,000 | 2,577 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9222% | 5,860 |
| Cost of funding earning assets | 0.8353% | 2,904 |
| Net interest margin | 3.0869% | 6,042 |
| Noninterest income to average assets | 0.6048% | 3,227 |
| Noninterest expense to average assets | 2.1979% | 6,015 |
| Loan and lease loss provision to assets | 0.1354% | 3,834 |
| Net operating income to assets | 0.8047% | 3,375 |
| Return on assets (ROA) | 0.8327% | 3,495 |
| Pretax return on assets | 1.1479% | 3,126 |
| Return on Equity (ROE) | 8.4068% | 3,064 |
| Retained earnings to average equity (ytd only) | 5.6729% | 2,892 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8409% | 4,921 |
| Assets per employee ($millions) | 4.9755% | 2,205 |
| Cash dividends to net income (ytd only)* | 32.5203% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1753% | 1,829 |
| Loan loss allowance to noncurrent loans | 13,454.1667% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 6,821 |
| Noncurrent loans to loans | 0.0162% | 6,652 |
| Net loans and leases to total assets | 55.0656% | 4,619 |
| Net loans and leases to deposits | 73.1115% | 3,440 |
| Net loans and leases to core deposits | 75.7441% | 3,789 |
| Total domestic deposits to total assets | 75.3172% | 6,554 |
| Equity capital to assets | 10.1914% | 4,061 |
| Core capital (leverage) ratio | 9.4567% | 4,205 |
| Tier 1 risk-based capital ratio | 13.9396% | 4,488 |
| Total risk-based capital ratio | 15.2467% | 4,411 |
| Memoranda: | ||
| Average total assets | $265,887,000 | 2,409 |
| Average earning assets | $244,451,670 | 2,405 |
| Average equity | $26,335,670 | 2,545 |
| Average total loans | $149,109,670 | 2,631 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8710% | 6,084 |
| Cost of funding earning assets | 0.8720% | 2,898 |
| Net interest margin | 2.9989% | 6,294 |
| Noninterest income to average assets | 0.5573% | 3,518 |
| Noninterest expense to average assets | 2.1470% | 6,160 |
| Loan and lease loss provision to assets | 0.1348% | 3,661 |
| Net operating income to assets | 0.7401% | 3,676 |
| Return on assets (ROA) | 0.7401% | 3,911 |
| Pretax return on assets | 1.0218% | 3,599 |
| Return on Equity (ROE) | 7.5808% | 3,458 |
| Retained earnings to average equity (ytd only) | 2.0563% | 5,243 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9887% | 4,740 |
| Assets per employee ($millions) | 5.1590% | 2,047 |
| Cash dividends to net income (ytd only)* | 72.8745% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2573% | 1,764 |
| Loan loss allowance to noncurrent loans | 2,853.6364% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 6,806 |
| Noncurrent loans to loans | 0.0791% | 6,551 |
| Net loans and leases to total assets | 49.7102% | 5,346 |
| Net loans and leases to deposits | 64.3814% | 4,580 |
| Net loans and leases to core deposits | 66.5485% | 4,853 |
| Total domestic deposits to total assets | 77.2120% | 6,366 |
| Equity capital to assets | 9.5195% | 4,776 |
| Core capital (leverage) ratio | 9.0257% | 4,802 |
| Tier 1 risk-based capital ratio | 13.9898% | 4,479 |
| Total risk-based capital ratio | 15.2944% | 4,402 |
| Memoranda: | ||
| Average total assets | $266,979,500 | 2,413 |
| Average earning assets | $244,486,000 | 2,415 |
| Average equity | $26,066,000 | 2,567 |
| Average total loans | $149,445,500 | 2,644 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4087% | 5,385 |
| Cost of funding earning assets | 0.9995% | 3,385 |
| Net interest margin | 3.4091% | 5,456 |
| Noninterest income to average assets | 0.6927% | 2,644 |
| Noninterest expense to average assets | 2.3133% | 6,007 |
| Loan and lease loss provision to assets | 0.1514% | 4,729 |
| Net operating income to assets | 0.9523% | 2,401 |
| Return on assets (ROA) | 0.9691% | 2,458 |
| Pretax return on assets | 1.3779% | 1,849 |
| Return on Equity (ROE) | 9.4287% | 2,276 |
| Retained earnings to average equity (ytd only) | 8.2010% | 1,018 |
| Net charge-offs to loans | -0.0013% | 6,791 |
| Credit loss provision to net charge-offs | -18,000.0000% | 6,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5794% | 5,664 |
| Assets per employee ($millions) | 4.8246% | 2,418 |
| Cash dividends to net income (ytd only)* | 13.0208% | 3,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9077% | 2,545 |
| Loan loss allowance to noncurrent loans | 11,726.9231% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 6,964 |
| Noncurrent loans to loans | 0.0163% | 6,792 |
| Net loans and leases to total assets | 60.1777% | 3,960 |
| Net loans and leases to deposits | 79.9385% | 2,532 |
| Net loans and leases to core deposits | 81.4108% | 3,263 |
| Total domestic deposits to total assets | 75.2800% | 6,566 |
| Equity capital to assets | 10.0192% | 4,147 |
| Core capital (leverage) ratio | 10.0623% | 3,266 |
| Tier 1 risk-based capital ratio | 12.9330% | 5,127 |
| Total risk-based capital ratio | 14.2236% | 5,069 |
| Memoranda: | ||
| Average total assets | $237,755,400 | 2,657 |
| Average earning assets | $218,002,000 | 2,636 |
| Average equity | $24,436,000 | 2,627 |
| Average total loans | $148,784,200 | 2,658 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4459% | 5,441 |
| Cost of funding earning assets | 1.0259% | 3,495 |
| Net interest margin | 3.4200% | 5,508 |
| Noninterest income to average assets | 0.6418% | 2,932 |
| Noninterest expense to average assets | 2.3200% | 5,979 |
| Loan and lease loss provision to assets | 0.1551% | 4,525 |
| Net operating income to assets | 0.9274% | 2,638 |
| Return on assets (ROA) | 0.9503% | 2,697 |
| Pretax return on assets | 1.3502% | 2,115 |
| Return on Equity (ROE) | 9.1813% | 2,514 |
| Retained earnings to average equity (ytd only) | 7.5160% | 1,703 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1725% | 5,536 |
| Assets per employee ($millions) | 4.4424% | 3,013 |
| Cash dividends to net income (ytd only)* | 18.1378% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 2,515 |
| Loan loss allowance to noncurrent loans | 10,951.8519% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 7,038 |
| Noncurrent loans to loans | 0.0177% | 6,899 |
| Net loans and leases to total assets | 62.4315% | 3,623 |
| Net loans and leases to deposits | 88.3456% | 1,390 |
| Net loans and leases to core deposits | 90.5549% | 2,182 |
| Total domestic deposits to total assets | 70.6674% | 7,005 |
| Equity capital to assets | 10.6816% | 3,485 |
| Core capital (leverage) ratio | 10.2606% | 3,122 |
| Tier 1 risk-based capital ratio | 13.3907% | 4,814 |
| Total risk-based capital ratio | 14.6800% | 4,758 |
| Memoranda: | ||
| Average total assets | $232,061,750 | 2,708 |
| Average earning assets | $213,797,000 | 2,699 |
| Average equity | $24,019,250 | 2,670 |
| Average total loans | $146,022,750 | 2,717 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 5,513 |
| Cost of funding earning assets | 1.0431% | 3,651 |
| Net interest margin | 3.4107% | 5,519 |
| Noninterest income to average assets | 0.5953% | 3,174 |
| Noninterest expense to average assets | 2.3238% | 6,057 |
| Loan and lease loss provision to assets | 0.1569% | 4,352 |
| Net operating income to assets | 0.8897% | 2,686 |
| Return on assets (ROA) | 0.9082% | 2,707 |
| Pretax return on assets | 1.2787% | 2,210 |
| Return on Equity (ROE) | 8.8740% | 2,564 |
| Retained earnings to average equity (ytd only) | 6.3191% | 2,235 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2461% | 5,553 |
| Assets per employee ($millions) | 4.3145% | 3,142 |
| Cash dividends to net income (ytd only)* | 28.7908% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0073% | 2,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 61.2067% | 4,045 |
| Net loans and leases to deposits | 82.1233% | 2,438 |
| Net loans and leases to core deposits | 84.1578% | 3,188 |
| Total domestic deposits to total assets | 74.5302% | 6,781 |
| Equity capital to assets | 10.6564% | 3,327 |
| Core capital (leverage) ratio | 10.0169% | 3,244 |
| Tier 1 risk-based capital ratio | 14.0056% | 4,172 |
| Total risk-based capital ratio | 15.2957% | 4,111 |
| Memoranda: | ||
| Average total assets | $229,452,330 | 2,759 |
| Average earning assets | $211,102,000 | 2,746 |
| Average equity | $23,484,330 | 2,701 |
| Average total loans | $143,789,000 | 2,777 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 5,688 |
| Cost of funding earning assets | 1.0349% | 3,957 |
| Net interest margin | 3.3681% | 5,548 |
| Noninterest income to average assets | 0.4890% | 3,976 |
| Noninterest expense to average assets | 2.2624% | 6,276 |
| Loan and lease loss provision to assets | 0.1566% | 4,070 |
| Net operating income to assets | 0.8269% | 2,898 |
| Return on assets (ROA) | 0.8702% | 2,761 |
| Pretax return on assets | 1.2234% | 2,299 |
| Return on Equity (ROE) | 8.6796% | 2,621 |
| Retained earnings to average equity (ytd only) | 3.4718% | 4,104 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1681% | 5,488 |
| Assets per employee ($millions) | 4.4413% | 2,994 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 2,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 57.6920% | 4,692 |
| Net loans and leases to deposits | 74.2827% | 3,719 |
| Net loans and leases to core deposits | 75.8617% | 4,319 |
| Total domestic deposits to total assets | 77.6654% | 6,419 |
| Equity capital to assets | 9.8374% | 3,981 |
| Core capital (leverage) ratio | 9.9083% | 3,259 |
| Tier 1 risk-based capital ratio | 13.6896% | 4,293 |
| Total risk-based capital ratio | 14.9445% | 4,262 |
| Memoranda: | ||
| Average total assets | $229,843,000 | 2,775 |
| Average earning assets | $211,040,000 | 2,768 |
| Average equity | $23,042,500 | 2,741 |
| Average total loans | $144,269,000 | 2,801 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8317% | 5,305 |
| Cost of funding earning assets | 1.2677% | 4,095 |
| Net interest margin | 3.5640% | 4,984 |
| Noninterest income to average assets | 0.7365% | 2,616 |
| Noninterest expense to average assets | 2.5286% | 5,690 |
| Loan and lease loss provision to assets | 0.1787% | 5,433 |
| Net operating income to assets | 0.9258% | 2,290 |
| Return on assets (ROA) | 0.9942% | 2,166 |
| Pretax return on assets | 1.4189% | 1,601 |
| Return on Equity (ROE) | 9.1685% | 2,231 |
| Retained earnings to average equity (ytd only) | 7.4027% | 1,176 |
| Net charge-offs to loans | -0.0059% | 7,279 |
| Credit loss provision to net charge-offs | -4,550.0000% | 7,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7666% | 5,562 |
| Assets per employee ($millions) | 4.3134% | 3,176 |
| Cash dividends to net income (ytd only)* | 19.2593% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7918% | 2,886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 65.6600% | 3,533 |
| Net loans and leases to deposits | 89.6858% | 1,572 |
| Net loans and leases to core deposits | 92.3470% | 2,457 |
| Total domestic deposits to total assets | 73.2111% | 6,982 |
| Equity capital to assets | 10.2226% | 3,467 |
| Core capital (leverage) ratio | 10.3788% | 2,695 |
| Tier 1 risk-based capital ratio | 12.7629% | 4,808 |
| Total risk-based capital ratio | 13.9614% | 4,827 |
| Memoranda: | ||
| Average total assets | $203,673,200 | 3,057 |
| Average earning assets | $188,130,600 | 3,028 |
| Average equity | $22,086,400 | 2,864 |
| Average total loans | $135,834,800 | 3,017 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8605% | 5,436 |
| Cost of funding earning assets | 1.3385% | 3,984 |
| Net interest margin | 3.5221% | 5,211 |
| Noninterest income to average assets | 0.5998% | 3,436 |
| Noninterest expense to average assets | 2.4582% | 5,863 |
| Loan and lease loss provision to assets | 0.1370% | 5,657 |
| Net operating income to assets | 0.8837% | 2,680 |
| Return on assets (ROA) | 0.9477% | 2,553 |
| Pretax return on assets | 1.3567% | 2,015 |
| Return on Equity (ROE) | 8.5999% | 2,649 |
| Retained earnings to average equity (ytd only) | 6.2229% | 2,251 |
| Net charge-offs to loans | -0.0050% | 7,211 |
| Credit loss provision to net charge-offs | -4,080.0000% | 7,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6743% | 5,306 |
| Assets per employee ($millions) | 4.5041% | 2,902 |
| Cash dividends to net income (ytd only)* | 27.6401% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7072% | 3,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 67.2172% | 3,402 |
| Net loans and leases to deposits | 91.7767% | 1,478 |
| Net loans and leases to core deposits | 95.0755% | 2,376 |
| Total domestic deposits to total assets | 73.2400% | 7,011 |
| Equity capital to assets | 10.6834% | 3,308 |
| Core capital (leverage) ratio | 10.5984% | 2,598 |
| Tier 1 risk-based capital ratio | 13.0720% | 4,520 |
| Total risk-based capital ratio | 14.2969% | 4,522 |
| Memoranda: | ||
| Average total assets | $198,517,000 | 3,163 |
| Average earning assets | $183,789,250 | 3,126 |
| Average equity | $21,875,750 | 2,935 |
| Average total loans | $132,303,250 | 3,139 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8287% | 5,688 |
| Cost of funding earning assets | 1.3839% | 3,978 |
| Net interest margin | 3.4447% | 5,461 |
| Noninterest income to average assets | 0.5908% | 3,404 |
| Noninterest expense to average assets | 2.4794% | 5,798 |
| Loan and lease loss provision to assets | 0.1184% | 5,713 |
| Net operating income to assets | 0.8707% | 2,657 |
| Return on assets (ROA) | 0.8753% | 2,771 |
| Pretax return on assets | 1.1909% | 2,444 |
| Return on Equity (ROE) | 7.8533% | 2,941 |
| Retained earnings to average equity (ytd only) | 4.2201% | 3,387 |
| Net charge-offs to loans | -0.0079% | 7,167 |
| Credit loss provision to net charge-offs | -2,280.0000% | 6,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5504% | 5,058 |
| Assets per employee ($millions) | 4.1571% | 3,469 |
| Cash dividends to net income (ytd only)* | 46.2633% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8122% | 2,687 |
| Loan loss allowance to noncurrent loans | 3,990.1639% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 7,325 |
| Noncurrent loans to loans | 0.0454% | 7,200 |
| Net loans and leases to total assets | 64.7440% | 4,100 |
| Net loans and leases to deposits | 84.2911% | 2,822 |
| Net loans and leases to core deposits | 86.7701% | 3,731 |
| Total domestic deposits to total assets | 76.8101% | 6,545 |
| Equity capital to assets | 10.8318% | 3,048 |
| Core capital (leverage) ratio | 10.8308% | 2,378 |
| Tier 1 risk-based capital ratio | 14.2270% | 3,589 |
| Total risk-based capital ratio | 15.4819% | 3,555 |
| Memoranda: | ||
| Average total assets | $192,624,000 | 3,269 |
| Average earning assets | $178,475,330 | 3,209 |
| Average equity | $21,468,670 | 2,981 |
| Average total loans | $127,122,670 | 3,256 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8429% | 5,712 |
| Cost of funding earning assets | 1.4052% | 4,140 |
| Net interest margin | 3.4377% | 5,436 |
| Noninterest income to average assets | 0.4746% | 4,252 |
| Noninterest expense to average assets | 2.4908% | 5,760 |
| Loan and lease loss provision to assets | 0.1219% | 5,362 |
| Net operating income to assets | 0.7569% | 3,176 |
| Return on assets (ROA) | 0.7569% | 3,284 |
| Pretax return on assets | 1.0369% | 2,947 |
| Return on Equity (ROE) | 6.6884% | 3,526 |
| Retained earnings to average equity (ytd only) | -0.6802% | 5,986 |
| Net charge-offs to loans | -0.0162% | 7,019 |
| Credit loss provision to net charge-offs | -1,140.0000% | 6,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2484% | 4,675 |
| Assets per employee ($millions) | 3.9870% | 3,903 |
| Cash dividends to net income (ytd only)* | 110.1695% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9896% | 2,219 |
| Loan loss allowance to noncurrent loans | 6,094.8718% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 7,440 |
| Noncurrent loans to loans | 0.0326% | 7,333 |
| Net loans and leases to total assets | 62.4883% | 4,660 |
| Net loans and leases to deposits | 79.5726% | 3,731 |
| Net loans and leases to core deposits | 82.0527% | 4,481 |
| Total domestic deposits to total assets | 78.5300% | 6,196 |
| Equity capital to assets | 11.2905% | 2,513 |
| Core capital (leverage) ratio | 11.2610% | 2,051 |
| Tier 1 risk-based capital ratio | 15.4926% | 2,873 |
| Total risk-based capital ratio | 16.7487% | 2,821 |
| Memoranda: | ||
| Average total assets | $187,088,000 | 3,400 |
| Average earning assets | $172,790,000 | 3,361 |
| Average equity | $21,171,000 | 3,045 |
| Average total loans | $123,526,500 | 3,391 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2247% | 5,532 |
| Cost of funding earning assets | 1.7952% | 4,016 |
| Net interest margin | 3.4296% | 5,255 |
| Noninterest income to average assets | 0.5505% | 4,023 |
| Noninterest expense to average assets | 2.4056% | 6,446 |
| Loan and lease loss provision to assets | 0.1444% | 6,199 |
| Net operating income to assets | 0.8641% | 2,298 |
| Return on assets (ROA) | 0.8780% | 2,315 |
| Pretax return on assets | 1.1855% | 1,996 |
| Return on Equity (ROE) | 7.3085% | 2,662 |
| Retained earnings to average equity (ytd only) | 5.1589% | 1,734 |
| Net charge-offs to loans | -0.0016% | 7,689 |
| Credit loss provision to net charge-offs | -12,300.0000% | 7,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7245% | 5,640 |
| Assets per employee ($millions) | 3.9742% | 3,861 |
| Cash dividends to net income (ytd only)* | 29.4118% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 2,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 67.0628% | 3,911 |
| Net loans and leases to deposits | 88.3007% | 2,512 |
| Net loans and leases to core deposits | 105.2903% | 3,419 |
| Total domestic deposits to total assets | 75.9483% | 6,690 |
| Equity capital to assets | 11.3417% | 2,440 |
| Core capital (leverage) ratio | 11.6856% | 1,820 |
| Tier 1 risk-based capital ratio | 14.5393% | 3,181 |
| Total risk-based capital ratio | 15.7946% | 3,132 |
| Memoranda: | ||
| Average total assets | $170,394,800 | 3,606 |
| Average earning assets | $157,309,200 | 3,572 |
| Average equity | $20,469,400 | 3,138 |
| Average total loans | $121,287,000 | 3,457 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2859% | 5,502 |
| Cost of funding earning assets | 1.8631% | 4,084 |
| Net interest margin | 3.4228% | 5,173 |
| Noninterest income to average assets | 0.3840% | 5,446 |
| Noninterest expense to average assets | 2.4229% | 6,342 |
| Loan and lease loss provision to assets | 0.1475% | 5,881 |
| Net operating income to assets | 0.7432% | 3,050 |
| Return on assets (ROA) | 0.7480% | 3,090 |
| Pretax return on assets | 0.9854% | 2,951 |
| Return on Equity (ROE) | 6.1308% | 3,476 |
| Retained earnings to average equity (ytd only) | 3.2395% | 3,505 |
| Net charge-offs to loans | -0.0022% | 7,593 |
| Credit loss provision to net charge-offs | -9,200.0000% | 7,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2629% | 4,913 |
| Assets per employee ($millions) | 3.8696% | 4,024 |
| Cash dividends to net income (ytd only)* | 47.1595% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 2,142 |
| Loan loss allowance to noncurrent loans | 2,714.4578% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 7,446 |
| Noncurrent loans to loans | 0.0684% | 7,329 |
| Net loans and leases to total assets | 69.9363% | 3,532 |
| Net loans and leases to deposits | 90.5927% | 2,464 |
| Net loans and leases to core deposits | 108.4768% | 3,413 |
| Total domestic deposits to total assets | 77.1987% | 6,292 |
| Equity capital to assets | 12.1759% | 2,141 |
| Core capital (leverage) ratio | 11.9741% | 1,810 |
| Tier 1 risk-based capital ratio | 15.2324% | 2,935 |
| Total risk-based capital ratio | 16.4852% | 2,883 |
| Memoranda: | ||
| Average total assets | $166,296,250 | 3,688 |
| Average earning assets | $153,788,250 | 3,656 |
| Average equity | $20,290,500 | 3,193 |
| Average total loans | $119,713,500 | 3,517 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3086% | 5,619 |
| Cost of funding earning assets | 1.9146% | 4,188 |
| Net interest margin | 3.3939% | 5,193 |
| Noninterest income to average assets | 0.4025% | 5,263 |
| Noninterest expense to average assets | 2.3689% | 6,560 |
| Loan and lease loss provision to assets | 0.1491% | 5,585 |
| Net operating income to assets | 0.7568% | 3,015 |
| Return on assets (ROA) | 0.7613% | 3,115 |
| Pretax return on assets | 1.0280% | 2,891 |
| Return on Equity (ROE) | 6.2352% | 3,543 |
| Retained earnings to average equity (ytd only) | 1.8666% | 4,307 |
| Net charge-offs to loans | -0.0034% | 7,500 |
| Credit loss provision to net charge-offs | -6,150.0000% | 7,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9178% | 5,381 |
| Assets per employee ($millions) | 4.2554% | 3,193 |
| Cash dividends to net income (ytd only)* | 70.0637% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8606% | 1,883 |
| Loan loss allowance to noncurrent loans | 8,768.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 7,595 |
| Noncurrent loans to loans | 0.0212% | 7,493 |
| Net loans and leases to total assets | 69.6682% | 3,778 |
| Net loans and leases to deposits | 86.6764% | 3,425 |
| Net loans and leases to core deposits | 108.7368% | 3,524 |
| Total domestic deposits to total assets | 80.3773% | 5,325 |
| Equity capital to assets | 12.1727% | 2,112 |
| Core capital (leverage) ratio | 12.2370% | 1,729 |
| Tier 1 risk-based capital ratio | 15.2129% | 2,932 |
| Total risk-based capital ratio | 16.4656% | 2,863 |
| Memoranda: | ||
| Average total assets | $164,974,330 | 3,718 |
| Average earning assets | $152,508,330 | 3,692 |
| Average equity | $20,143,670 | 3,221 |
| Average total loans | $119,175,330 | 3,554 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3181% | 5,817 |
| Cost of funding earning assets | 2.0048% | 4,103 |
| Net interest margin | 3.3133% | 5,449 |
| Noninterest income to average assets | 0.2894% | 6,122 |
| Noninterest expense to average assets | 2.3298% | 6,434 |
| Loan and lease loss provision to assets | 0.1459% | 5,072 |
| Net operating income to assets | 0.6858% | 3,631 |
| Return on assets (ROA) | 0.6858% | 3,815 |
| Pretax return on assets | 0.8682% | 3,833 |
| Return on Equity (ROE) | 5.6079% | 4,212 |
| Retained earnings to average equity (ytd only) | -3.1420% | 6,302 |
| Net charge-offs to loans | -0.0033% | 7,140 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6727% | 4,649 |
| Assets per employee ($millions) | 4.2095% | 3,245 |
| Cash dividends to net income (ytd only)* | 156.0284% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8346% | 1,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 69.3572% | 3,831 |
| Net loans and leases to deposits | 84.8382% | 3,847 |
| Net loans and leases to core deposits | 106.3037% | 3,872 |
| Total domestic deposits to total assets | 81.7523% | 4,656 |
| Equity capital to assets | 12.2094% | 2,132 |
| Core capital (leverage) ratio | 12.1484% | 1,841 |
| Tier 1 risk-based capital ratio | 13.5040% | 3,860 |
| Total risk-based capital ratio | 14.7566% | 3,783 |
| Memoranda: | ||
| Average total assets | $164,481,000 | 3,752 |
| Average earning assets | $151,632,500 | 3,715 |
| Average equity | $20,114,500 | 3,244 |
| Average total loans | $119,856,000 | 3,560 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0392% | 5,364 |
| Cost of funding earning assets | 2.6610% | 3,363 |
| Net interest margin | 3.3782% | 5,751 |
| Noninterest income to average assets | 0.7456% | 2,807 |
| Noninterest expense to average assets | 2.3021% | 6,697 |
| Loan and lease loss provision to assets | 0.1809% | 5,087 |
| Net operating income to assets | 1.0129% | 2,498 |
| Return on assets (ROA) | 1.0215% | 2,352 |
| Pretax return on assets | 1.3724% | 2,051 |
| Return on Equity (ROE) | 8.2140% | 2,973 |
| Retained earnings to average equity (ytd only) | 4.8370% | 2,122 |
| Net charge-offs to loans | 0.0034% | 6,958 |
| Credit loss provision to net charge-offs | 7,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 596.5000% | 96 |
| Efficiency ratio | 59.8924% | 6,364 |
| Assets per employee ($millions) | 4.2255% | 3,068 |
| Cash dividends to net income (ytd only)* | 41.1132% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6707% | 1,997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.8223% | 3,150 |
| Net loans and leases to deposits | 90.9359% | 3,297 |
| Net loans and leases to core deposits | 113.1055% | 3,437 |
| Total domestic deposits to total assets | 81.1806% | 4,567 |
| Equity capital to assets | 12.2487% | 2,136 |
| Core capital (leverage) ratio | 12.5662% | 1,720 |
| Tier 1 risk-based capital ratio | 14.2003% | 3,446 |
| Total risk-based capital ratio | 15.4528% | 3,366 |
| Memoranda: | ||
| Average total assets | $154,770,400 | 3,808 |
| Average earning assets | $141,940,400 | 3,807 |
| Average equity | $19,247,600 | 3,353 |
| Average total loans | $116,007,000 | 3,546 |