Home > Carroll Bank and Trust > Performance and Condition Ratios
Carroll Bank and Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6150% | 1,018 |
| Cost of funding earning assets | 1.9230% | 1,034 |
| Net interest margin | 3.6920% | 1,778 |
| Noninterest income to average assets | 1.9000% | 284 |
| Noninterest expense to average assets | 3.2199% | 813 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.3698% | 1,277 |
| Return on assets (ROA) | 1.3620% | 1,263 |
| Pretax return on assets | 1.8268% | 854 |
| Return on Equity (ROE) | 18.5600% | 751 |
| Retained earnings to average equity (ytd only) | 16.5855% | 237 |
| Net charge-offs to loans | 0.0574% | 1,281 |
| Credit loss provision to net charge-offs | 386.4322% | 801 |
| Earnings coverage of net charge-offs (x) | 46.8593% | 1,335 |
| Efficiency ratio | 61.6650% | 2,876 |
| Assets per employee ($millions) | 5.0065% | 3,628 |
| Cash dividends to net income (ytd only)* | 10.6383% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 3,864 |
| Loan loss allowance to noncurrent loans | 139.9284% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 1,243 |
| Noncurrent loans to loans | 0.6059% | 1,301 |
| Net loans and leases to total assets | 73.0200% | 1,470 |
| Net loans and leases to deposits | 80.9197% | 2,036 |
| Net loans and leases to core deposits | 98.7593% | 1,505 |
| Total domestic deposits to total assets | 90.2400% | 700 |
| Equity capital to assets | 7.6605% | 3,623 |
| Core capital (leverage) ratio | 8.7239% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2869% | 2,140 |
| Memoranda: | ||
| Average total assets | $465,848,200 | 1,808 |
| Average earning assets | $419,236,000 | 1,839 |
| Average equity | $34,186,400 | 2,090 |
| Average total loans | $346,703,400 | 1,622 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4554% | 1,066 |
| Cost of funding earning assets | 1.6618% | 1,254 |
| Net interest margin | 3.7937% | 1,613 |
| Noninterest income to average assets | 2.1800% | 260 |
| Noninterest expense to average assets | 3.2817% | 740 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 1.5883% | 956 |
| Return on assets (ROA) | 1.5729% | 970 |
| Pretax return on assets | 2.0871% | 674 |
| Return on Equity (ROE) | 21.6900% | 586 |
| Retained earnings to average equity (ytd only) | 20.1855% | 253 |
| Net charge-offs to loans | 0.0703% | 979 |
| Credit loss provision to net charge-offs | 396.1111% | 727 |
| Earnings coverage of net charge-offs (x) | 44.0889% | 1,390 |
| Efficiency ratio | 58.6408% | 3,129 |
| Assets per employee ($millions) | 5.0994% | 3,527 |
| Cash dividends to net income (ytd only)* | 6.9535% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 3,866 |
| Loan loss allowance to noncurrent loans | 275.5575% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 2,103 |
| Noncurrent loans to loans | 0.3091% | 2,129 |
| Net loans and leases to total assets | 74.2300% | 1,318 |
| Net loans and leases to deposits | 86.8592% | 1,481 |
| Net loans and leases to core deposits | 104.3016% | 1,105 |
| Total domestic deposits to total assets | 85.4600% | 2,361 |
| Equity capital to assets | 7.2353% | 3,495 |
| Core capital (leverage) ratio | 9.0581% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $457,148,250 | 1,829 |
| Average earning assets | $411,518,250 | 1,866 |
| Average equity | $33,145,000 | 2,119 |
| Average total loans | $341,199,000 | 1,636 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2914% | 1,094 |
| Cost of funding earning assets | 1.4072% | 1,430 |
| Net interest margin | 3.8842% | 1,456 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 3.0890% | 918 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8705% | 2,848 |
| Return on assets (ROA) | 0.8606% | 2,887 |
| Pretax return on assets | 1.1052% | 2,634 |
| Return on Equity (ROE) | 11.8600% | 2,196 |
| Retained earnings to average equity (ytd only) | 10.3231% | 1,324 |
| Net charge-offs to loans | 0.0838% | 760 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 18.8857% | 1,752 |
| Efficiency ratio | 72.3547% | 1,519 |
| Assets per employee ($millions) | 5.1891% | 3,423 |
| Cash dividends to net income (ytd only)* | 12.9668% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7333% | 4,127 |
| Loan loss allowance to noncurrent loans | 534.7280% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 2,815 |
| Noncurrent loans to loans | 0.1371% | 2,784 |
| Net loans and leases to total assets | 74.9200% | 1,177 |
| Net loans and leases to deposits | 87.1709% | 1,413 |
| Net loans and leases to core deposits | 100.5887% | 1,203 |
| Total domestic deposits to total assets | 85.9400% | 2,247 |
| Equity capital to assets | 7.2001% | 3,691 |
| Core capital (leverage) ratio | 8.7385% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5982% | 2,435 |
| Memoranda: | ||
| Average total assets | $448,048,667 | 1,861 |
| Average earning assets | $402,918,667 | 1,902 |
| Average equity | $32,509,667 | 2,165 |
| Average total loans | $334,040,333 | 1,654 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1166% | 1,068 |
| Cost of funding earning assets | 1.1952% | 1,463 |
| Net interest margin | 3.9213% | 1,430 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 3.2768% | 720 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.8042% | 3,183 |
| Return on assets (ROA) | 0.7870% | 3,180 |
| Pretax return on assets | 1.0019% | 2,988 |
| Return on Equity (ROE) | 10.8000% | 2,542 |
| Retained earnings to average equity (ytd only) | 9.2475% | 1,874 |
| Net charge-offs to loans | 0.1616% | 435 |
| Credit loss provision to net charge-offs | 41.6667% | 1,314 |
| Earnings coverage of net charge-offs (x) | 8.9697% | 1,704 |
| Efficiency ratio | 75.3231% | 1,217 |
| Assets per employee ($millions) | 4.7907% | 3,804 |
| Cash dividends to net income (ytd only)* | 14.4009% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7510% | 4,177 |
| Loan loss allowance to noncurrent loans | 474.9042% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 2,412 |
| Noncurrent loans to loans | 0.1581% | 2,697 |
| Net loans and leases to total assets | 74.3400% | 1,158 |
| Net loans and leases to deposits | 82.1280% | 1,646 |
| Net loans and leases to core deposits | 93.7269% | 1,406 |
| Total domestic deposits to total assets | 90.5100% | 975 |
| Equity capital to assets | 7.5237% | 3,548 |
| Core capital (leverage) ratio | 8.7368% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8293% | 2,457 |
| Memoranda: | ||
| Average total assets | $441,158,000 | 1,904 |
| Average earning assets | $396,908,000 | 1,944 |
| Average equity | $32,138,500 | 2,209 |
| Average total loans | $326,791,000 | 1,695 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 738 |
| Cost of funding earning assets | 0.4098% | 2,012 |
| Net interest margin | 4.0802% | 689 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 3.1025% | 833 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9727% | 2,663 |
| Return on assets (ROA) | 0.9565% | 2,692 |
| Pretax return on assets | 1.2901% | 2,121 |
| Return on Equity (ROE) | 12.5500% | 1,952 |
| Retained earnings to average equity (ytd only) | 10.9843% | 890 |
| Net charge-offs to loans | 0.0226% | 1,613 |
| Credit loss provision to net charge-offs | 284.6154% | 936 |
| Earnings coverage of net charge-offs (x) | 87.2154% | 1,040 |
| Efficiency ratio | 69.6032% | 1,745 |
| Assets per employee ($millions) | 5.0179% | 3,668 |
| Cash dividends to net income (ytd only)* | 12.4938% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7902% | 4,058 |
| Loan loss allowance to noncurrent loans | 282.4309% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 1,923 |
| Noncurrent loans to loans | 0.2798% | 2,152 |
| Net loans and leases to total assets | 72.6800% | 1,348 |
| Net loans and leases to deposits | 82.2637% | 1,596 |
| Net loans and leases to core deposits | 91.6780% | 1,411 |
| Total domestic deposits to total assets | 88.3400% | 1,951 |
| Equity capital to assets | 7.0468% | 3,644 |
| Core capital (leverage) ratio | 8.7825% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8351% | 2,439 |
| Memoranda: | ||
| Average total assets | $418,401,800 | 1,964 |
| Average earning assets | $372,894,400 | 2,017 |
| Average equity | $31,882,000 | 2,249 |
| Average total loans | $288,042,400 | 1,776 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3486% | 657 |
| Cost of funding earning assets | 0.3048% | 2,113 |
| Net interest margin | 4.0437% | 587 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 3.0811% | 811 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0044% | 2,466 |
| Return on assets (ROA) | 0.9937% | 2,469 |
| Pretax return on assets | 1.3307% | 1,947 |
| Return on Equity (ROE) | 12.7800% | 1,781 |
| Retained earnings to average equity (ytd only) | 11.2240% | 993 |
| Net charge-offs to loans | 0.0129% | 1,640 |
| Credit loss provision to net charge-offs | 518.5185% | 597 |
| Earnings coverage of net charge-offs (x) | 159.2593% | 720 |
| Efficiency ratio | 68.9194% | 1,893 |
| Assets per employee ($millions) | 4.7415% | 3,879 |
| Cash dividends to net income (ytd only)* | 12.1951% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 4,026 |
| Loan loss allowance to noncurrent loans | 334.9540% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 2,107 |
| Noncurrent loans to loans | 0.2469% | 2,395 |
| Net loans and leases to total assets | 71.6200% | 1,332 |
| Net loans and leases to deposits | 80.7208% | 1,541 |
| Net loans and leases to core deposits | 89.9748% | 1,298 |
| Total domestic deposits to total assets | 88.7300% | 2,197 |
| Equity capital to assets | 6.9928% | 3,527 |
| Core capital (leverage) ratio | 8.8342% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1904% | 2,393 |
| Memoranda: | ||
| Average total assets | $412,608,250 | 1,994 |
| Average earning assets | $366,947,750 | 2,056 |
| Average equity | $32,073,250 | 2,271 |
| Average total loans | $279,184,500 | 1,813 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 663 |
| Cost of funding earning assets | 0.2774% | 1,933 |
| Net interest margin | 3.9012% | 600 |
| Noninterest income to average assets | 0.8733% | 896 |
| Noninterest expense to average assets | 2.9802% | 868 |
| Loan and lease loss provision to assets | 0.0461% | 1,743 |
| Net operating income to assets | 0.9805% | 2,230 |
| Return on assets (ROA) | 0.9708% | 2,235 |
| Pretax return on assets | 1.3038% | 1,736 |
| Return on Equity (ROE) | 12.0668% | 1,650 |
| Retained earnings to average equity (ytd only) | 10.5432% | 890 |
| Net charge-offs to loans | 0.0141% | 1,488 |
| Credit loss provision to net charge-offs | 494.7368% | 635 |
| Earnings coverage of net charge-offs (x) | 146.2105% | 657 |
| Efficiency ratio | 68.6314% | 2,153 |
| Assets per employee ($millions) | 4.6090% | 3,999 |
| Cash dividends to net income (ytd only)* | 12.6263% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 4,024 |
| Loan loss allowance to noncurrent loans | 369.8085% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 2,151 |
| Noncurrent loans to loans | 0.2357% | 2,537 |
| Net loans and leases to total assets | 69.6198% | 1,330 |
| Net loans and leases to deposits | 75.7047% | 1,706 |
| Net loans and leases to core deposits | 84.0598% | 1,446 |
| Total domestic deposits to total assets | 91.9623% | 848 |
| Equity capital to assets | 7.5048% | 3,476 |
| Core capital (leverage) ratio | 8.7781% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,898,333 | 2,021 |
| Average earning assets | $362,706,667 | 2,089 |
| Average equity | $32,817,333 | 2,280 |
| Average total loans | $269,517,000 | 1,852 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0156% | 752 |
| Cost of funding earning assets | 0.2790% | 1,831 |
| Net interest margin | 3.7366% | 703 |
| Noninterest income to average assets | 0.7680% | 1,122 |
| Noninterest expense to average assets | 2.9817% | 843 |
| Loan and lease loss provision to assets | 0.0482% | 1,505 |
| Net operating income to assets | 0.7848% | 2,714 |
| Return on assets (ROA) | 0.7848% | 2,709 |
| Pretax return on assets | 1.0572% | 2,275 |
| Return on Equity (ROE) | 9.4344% | 2,175 |
| Retained earnings to average equity (ytd only) | 7.9566% | 1,600 |
| Net charge-offs to loans | 0.0138% | 1,267 |
| Credit loss provision to net charge-offs | 544.4444% | 489 |
| Earnings coverage of net charge-offs (x) | 124.8889% | 601 |
| Efficiency ratio | 72.9548% | 1,863 |
| Assets per employee ($millions) | 4.5622% | 4,096 |
| Cash dividends to net income (ytd only)* | 15.6642% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 3,934 |
| Loan loss allowance to noncurrent loans | 294.4114% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 2,018 |
| Noncurrent loans to loans | 0.3185% | 2,328 |
| Net loans and leases to total assets | 63.7009% | 1,656 |
| Net loans and leases to deposits | 69.5928% | 1,998 |
| Net loans and leases to core deposits | 76.3033% | 1,764 |
| Total domestic deposits to total assets | 91.5338% | 784 |
| Equity capital to assets | 7.9377% | 3,617 |
| Core capital (leverage) ratio | 8.6440% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $406,745,500 | 2,031 |
| Average earning assets | $361,295,000 | 2,108 |
| Average equity | $33,833,500 | 2,292 |
| Average total loans | $260,228,500 | 1,888 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 470 |
| Cost of funding earning assets | 0.3671% | 1,791 |
| Net interest margin | 4.2665% | 436 |
| Noninterest income to average assets | 0.7907% | 1,469 |
| Noninterest expense to average assets | 3.2263% | 699 |
| Loan and lease loss provision to assets | 0.0483% | 2,092 |
| Net operating income to assets | 0.9499% | 2,867 |
| Return on assets (ROA) | 0.9499% | 2,942 |
| Pretax return on assets | 1.2659% | 2,471 |
| Return on Equity (ROE) | 10.5003% | 2,348 |
| Retained earnings to average equity (ytd only) | 9.0338% | 1,193 |
| Net charge-offs to loans | 0.0276% | 1,685 |
| Credit loss provision to net charge-offs | 267.6471% | 1,129 |
| Earnings coverage of net charge-offs (x) | 72.8382% | 1,052 |
| Efficiency ratio | 71.0571% | 1,608 |
| Assets per employee ($millions) | 4.5269% | 4,093 |
| Cash dividends to net income (ytd only)* | 13.9665% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 3,933 |
| Loan loss allowance to noncurrent loans | 138.9618% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 1,343 |
| Noncurrent loans to loans | 0.6836% | 1,468 |
| Net loans and leases to total assets | 63.0416% | 1,819 |
| Net loans and leases to deposits | 69.3769% | 2,186 |
| Net loans and leases to core deposits | 76.1492% | 1,910 |
| Total domestic deposits to total assets | 90.8683% | 542 |
| Equity capital to assets | 8.7058% | 3,877 |
| Core capital (leverage) ratio | 8.7192% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,900,200 | 2,075 |
| Average earning assets | $331,259,000 | 2,180 |
| Average equity | $34,094,200 | 2,328 |
| Average total loans | $246,394,400 | 1,953 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8306% | 389 |
| Cost of funding earning assets | 0.3902% | 1,776 |
| Net interest margin | 4.4404% | 346 |
| Noninterest income to average assets | 0.7469% | 1,682 |
| Noninterest expense to average assets | 3.1961% | 713 |
| Loan and lease loss provision to assets | 0.0489% | 2,019 |
| Net operating income to assets | 1.0446% | 2,750 |
| Return on assets (ROA) | 1.0446% | 2,815 |
| Pretax return on assets | 1.3934% | 2,366 |
| Return on Equity (ROE) | 11.4309% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.9538% | 1,327 |
| Net charge-offs to loans | 0.0224% | 1,599 |
| Credit loss provision to net charge-offs | 331.7073% | 952 |
| Earnings coverage of net charge-offs (x) | 97.7317% | 880 |
| Efficiency ratio | 68.9042% | 1,717 |
| Assets per employee ($millions) | 4.3111% | 4,256 |
| Cash dividends to net income (ytd only)* | 12.9221% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 3,948 |
| Loan loss allowance to noncurrent loans | 166.2311% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4467% | 1,693 |
| Noncurrent loans to loans | 0.5823% | 1,857 |
| Net loans and leases to total assets | 64.4534% | 1,713 |
| Net loans and leases to deposits | 71.2725% | 2,125 |
| Net loans and leases to core deposits | 78.6154% | 1,847 |
| Total domestic deposits to total assets | 90.4324% | 589 |
| Equity capital to assets | 9.0977% | 3,746 |
| Core capital (leverage) ratio | 9.0121% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,401,750 | 2,123 |
| Average earning assets | $324,618,500 | 2,234 |
| Average equity | $33,849,000 | 2,372 |
| Average total loans | $243,886,250 | 1,993 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0765% | 301 |
| Cost of funding earning assets | 0.4152% | 1,759 |
| Net interest margin | 4.6613% | 284 |
| Noninterest income to average assets | 0.7602% | 1,645 |
| Noninterest expense to average assets | 3.1221% | 811 |
| Loan and lease loss provision to assets | 0.0497% | 2,037 |
| Net operating income to assets | 1.2684% | 1,961 |
| Return on assets (ROA) | 1.2684% | 2,033 |
| Pretax return on assets | 1.6925% | 1,497 |
| Return on Equity (ROE) | 13.8582% | 1,455 |
| Retained earnings to average equity (ytd only) | 12.3655% | 838 |
| Net charge-offs to loans | 0.0182% | 1,581 |
| Credit loss provision to net charge-offs | 413.6364% | 749 |
| Earnings coverage of net charge-offs (x) | 144.9091% | 602 |
| Efficiency ratio | 64.1838% | 2,408 |
| Assets per employee ($millions) | 4.0936% | 4,395 |
| Cash dividends to net income (ytd only)* | 10.7712% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 3,964 |
| Loan loss allowance to noncurrent loans | 172.6354% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.4459% | 1,849 |
| Noncurrent loans to loans | 0.5569% | 2,005 |
| Net loans and leases to total assets | 66.1247% | 1,684 |
| Net loans and leases to deposits | 73.2341% | 2,076 |
| Net loans and leases to core deposits | 81.2385% | 1,772 |
| Total domestic deposits to total assets | 90.2922% | 649 |
| Equity capital to assets | 9.2667% | 3,543 |
| Core capital (leverage) ratio | 9.0475% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,972,000 | 2,131 |
| Average earning assets | $322,230,333 | 2,232 |
| Average equity | $33,496,333 | 2,380 |
| Average total loans | $241,942,000 | 2,020 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 421 |
| Cost of funding earning assets | 0.4574% | 1,667 |
| Net interest margin | 4.4276% | 405 |
| Noninterest income to average assets | 0.6672% | 1,968 |
| Noninterest expense to average assets | 3.1299% | 804 |
| Loan and lease loss provision to assets | 0.0496% | 2,098 |
| Net operating income to assets | 1.0356% | 2,694 |
| Return on assets (ROA) | 1.0356% | 2,772 |
| Pretax return on assets | 1.3951% | 2,295 |
| Return on Equity (ROE) | 11.3872% | 2,234 |
| Retained earnings to average equity (ytd only) | 9.8713% | 1,688 |
| Net charge-offs to loans | 0.0352% | 1,125 |
| Credit loss provision to net charge-offs | 214.2857% | 871 |
| Earnings coverage of net charge-offs (x) | 62.3810% | 806 |
| Efficiency ratio | 68.4185% | 1,878 |
| Assets per employee ($millions) | 4.0874% | 4,422 |
| Cash dividends to net income (ytd only)* | 13.3120% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 3,945 |
| Loan loss allowance to noncurrent loans | 187.6800% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 2,145 |
| Noncurrent loans to loans | 0.5198% | 2,294 |
| Net loans and leases to total assets | 64.7276% | 1,952 |
| Net loans and leases to deposits | 71.5085% | 2,361 |
| Net loans and leases to core deposits | 79.5058% | 2,053 |
| Total domestic deposits to total assets | 90.5173% | 580 |
| Equity capital to assets | 9.0160% | 3,662 |
| Core capital (leverage) ratio | 8.9350% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,700,000 | 2,134 |
| Average earning assets | $320,082,000 | 2,220 |
| Average equity | $32,984,500 | 2,397 |
| Average total loans | $238,555,000 | 2,041 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9312% | 567 |
| Cost of funding earning assets | 0.6765% | 1,842 |
| Net interest margin | 4.2547% | 557 |
| Noninterest income to average assets | 0.6511% | 2,023 |
| Noninterest expense to average assets | 3.2953% | 914 |
| Loan and lease loss provision to assets | 0.0556% | 3,678 |
| Net operating income to assets | 0.7829% | 3,158 |
| Return on assets (ROA) | 0.7829% | 3,280 |
| Pretax return on assets | 1.0436% | 2,904 |
| Return on Equity (ROE) | 8.0195% | 2,812 |
| Retained earnings to average equity (ytd only) | 4.9711% | 2,283 |
| Net charge-offs to loans | 0.0274% | 2,485 |
| Credit loss provision to net charge-offs | 288.8889% | 1,777 |
| Earnings coverage of net charge-offs (x) | 57.1587% | 1,096 |
| Efficiency ratio | 74.9878% | 1,335 |
| Assets per employee ($millions) | 4.0172% | 4,361 |
| Cash dividends to net income (ytd only)* | 38.0117% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 3,934 |
| Loan loss allowance to noncurrent loans | 215.7993% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 2,389 |
| Noncurrent loans to loans | 0.4547% | 2,606 |
| Net loans and leases to total assets | 65.5410% | 2,153 |
| Net loans and leases to deposits | 72.4529% | 2,641 |
| Net loans and leases to core deposits | 80.4199% | 2,326 |
| Total domestic deposits to total assets | 90.4602% | 394 |
| Equity capital to assets | 9.1746% | 3,910 |
| Core capital (leverage) ratio | 9.2106% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,622,200 | 2,148 |
| Average earning assets | $288,244,200 | 2,233 |
| Average equity | $31,984,600 | 2,391 |
| Average total loans | $230,014,400 | 2,034 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1087% | 491 |
| Cost of funding earning assets | 0.7345% | 1,835 |
| Net interest margin | 4.3742% | 495 |
| Noninterest income to average assets | 0.6701% | 1,903 |
| Noninterest expense to average assets | 3.3122% | 893 |
| Loan and lease loss provision to assets | 0.0572% | 3,638 |
| Net operating income to assets | 0.8642% | 2,845 |
| Return on assets (ROA) | 0.8642% | 2,981 |
| Pretax return on assets | 1.1403% | 2,601 |
| Return on Equity (ROE) | 8.7054% | 2,522 |
| Retained earnings to average equity (ytd only) | 6.7126% | 1,809 |
| Net charge-offs to loans | 0.0274% | 2,284 |
| Credit loss provision to net charge-offs | 291.4894% | 1,795 |
| Earnings coverage of net charge-offs (x) | 61.1702% | 1,089 |
| Efficiency ratio | 73.4485% | 1,466 |
| Assets per employee ($millions) | 3.7380% | 4,527 |
| Cash dividends to net income (ytd only)* | 22.8916% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 3,870 |
| Loan loss allowance to noncurrent loans | 193.8292% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 2,340 |
| Noncurrent loans to loans | 0.4923% | 2,588 |
| Net loans and leases to total assets | 71.5457% | 1,735 |
| Net loans and leases to deposits | 79.7793% | 2,338 |
| Net loans and leases to core deposits | 89.4933% | 2,019 |
| Total domestic deposits to total assets | 89.6796% | 530 |
| Equity capital to assets | 9.8602% | 3,367 |
| Core capital (leverage) ratio | 9.5204% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,144,750 | 2,171 |
| Average earning assets | $281,002,250 | 2,269 |
| Average equity | $31,780,250 | 2,390 |
| Average total loans | $228,355,000 | 2,044 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2463% | 522 |
| Cost of funding earning assets | 0.7824% | 1,919 |
| Net interest margin | 4.4638% | 541 |
| Noninterest income to average assets | 0.6558% | 1,915 |
| Noninterest expense to average assets | 3.3434% | 930 |
| Loan and lease loss provision to assets | 0.0582% | 3,577 |
| Net operating income to assets | 0.8906% | 2,726 |
| Return on assets (ROA) | 0.8906% | 2,846 |
| Pretax return on assets | 1.1830% | 2,417 |
| Return on Equity (ROE) | 8.9506% | 2,381 |
| Retained earnings to average equity (ytd only) | 6.7241% | 1,767 |
| Net charge-offs to loans | 0.0437% | 1,873 |
| Credit loss provision to net charge-offs | 187.7551% | 1,962 |
| Earnings coverage of net charge-offs (x) | 40.0204% | 1,248 |
| Efficiency ratio | 72.9256% | 1,576 |
| Assets per employee ($millions) | 3.7279% | 4,527 |
| Cash dividends to net income (ytd only)* | 24.8756% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 3,753 |
| Loan loss allowance to noncurrent loans | 107.7735% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 1,663 |
| Noncurrent loans to loans | 0.8912% | 1,717 |
| Net loans and leases to total assets | 69.8061% | 2,057 |
| Net loans and leases to deposits | 77.7381% | 2,686 |
| Net loans and leases to core deposits | 87.3390% | 2,319 |
| Total domestic deposits to total assets | 89.7965% | 457 |
| Equity capital to assets | 9.7294% | 3,440 |
| Core capital (leverage) ratio | 9.6579% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,966,000 | 2,167 |
| Average earning assets | $278,102,000 | 2,264 |
| Average equity | $31,439,333 | 2,390 |
| Average total loans | $224,369,333 | 2,050 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 823 |
| Cost of funding earning assets | 0.8524% | 2,102 |
| Net interest margin | 4.2313% | 863 |
| Noninterest income to average assets | 0.6908% | 1,680 |
| Noninterest expense to average assets | 3.4578% | 995 |
| Loan and lease loss provision to assets | 0.0610% | 3,008 |
| Net operating income to assets | 0.6765% | 3,344 |
| Return on assets (ROA) | 0.6765% | 3,411 |
| Pretax return on assets | 0.9037% | 3,132 |
| Return on Equity (ROE) | 6.7185% | 3,059 |
| Retained earnings to average equity (ytd only) | 5.1065% | 2,226 |
| Net charge-offs to loans | 0.0947% | 1,123 |
| Credit loss provision to net charge-offs | 90.3846% | 1,896 |
| Earnings coverage of net charge-offs (x) | 14.2885% | 1,603 |
| Efficiency ratio | 78.1856% | 1,311 |
| Assets per employee ($millions) | 3.5976% | 4,395 |
| Cash dividends to net income (ytd only)* | 23.9923% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,687 |
| Loan loss allowance to noncurrent loans | 102.6144% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 1,648 |
| Noncurrent loans to loans | 0.9780% | 1,686 |
| Net loans and leases to total assets | 70.0816% | 2,240 |
| Net loans and leases to deposits | 78.4040% | 2,845 |
| Net loans and leases to core deposits | 88.8941% | 2,458 |
| Total domestic deposits to total assets | 89.3853% | 516 |
| Equity capital to assets | 10.1535% | 3,648 |
| Core capital (leverage) ratio | 9.8884% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,059,500 | 2,159 |
| Average earning assets | $271,690,000 | 2,252 |
| Average equity | $31,019,000 | 2,403 |
| Average total loans | $219,630,000 | 2,049 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3813% | 696 |
| Cost of funding earning assets | 0.8875% | 2,244 |
| Net interest margin | 4.4937% | 722 |
| Noninterest income to average assets | 0.6771% | 1,892 |
| Noninterest expense to average assets | 3.4789% | 991 |
| Loan and lease loss provision to assets | 0.1059% | 1,959 |
| Net operating income to assets | 0.7884% | 3,588 |
| Return on assets (ROA) | 0.7884% | 3,670 |
| Pretax return on assets | 1.0530% | 3,319 |
| Return on Equity (ROE) | 7.7385% | 3,273 |
| Retained earnings to average equity (ytd only) | 5.6164% | 2,094 |
| Net charge-offs to loans | 0.0526% | 2,359 |
| Credit loss provision to net charge-offs | 266.3793% | 1,040 |
| Earnings coverage of net charge-offs (x) | 29.1552% | 1,611 |
| Efficiency ratio | 75.0129% | 1,487 |
| Assets per employee ($millions) | 3.4464% | 4,529 |
| Cash dividends to net income (ytd only)* | 27.4229% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,508 |
| Loan loss allowance to noncurrent loans | 181.3169% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 2,338 |
| Noncurrent loans to loans | 0.5517% | 2,522 |
| Net loans and leases to total assets | 71.0834% | 2,236 |
| Net loans and leases to deposits | 79.2979% | 2,867 |
| Net loans and leases to core deposits | 90.9084% | 2,334 |
| Total domestic deposits to total assets | 89.6410% | 451 |
| Equity capital to assets | 9.9841% | 3,935 |
| Core capital (leverage) ratio | 10.1589% | 3,343 |
| Tier 1 risk-based capital ratio | 14.0273% | 3,258 |
| Total risk-based capital ratio | 15.0616% | 3,268 |
| Memoranda: | ||
| Average total assets | $291,841,400 | 2,210 |
| Average earning assets | $257,225,800 | 2,291 |
| Average equity | $29,734,600 | 2,409 |
| Average total loans | $220,354,600 | 2,025 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4151% | 678 |
| Cost of funding earning assets | 0.8896% | 2,277 |
| Net interest margin | 4.5254% | 727 |
| Noninterest income to average assets | 0.6613% | 1,944 |
| Noninterest expense to average assets | 3.5031% | 944 |
| Loan and lease loss provision to assets | 0.1078% | 1,798 |
| Net operating income to assets | 0.7811% | 3,733 |
| Return on assets (ROA) | 0.7811% | 3,804 |
| Pretax return on assets | 1.0357% | 3,486 |
| Return on Equity (ROE) | 7.6260% | 3,466 |
| Retained earnings to average equity (ytd only) | 6.3565% | 2,193 |
| Net charge-offs to loans | 0.0357% | 2,366 |
| Credit loss provision to net charge-offs | 394.9153% | 767 |
| Earnings coverage of net charge-offs (x) | 41.8838% | 1,329 |
| Efficiency ratio | 75.3909% | 1,401 |
| Assets per employee ($millions) | 3.2781% | 4,685 |
| Cash dividends to net income (ytd only)* | 16.6470% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 3,722 |
| Loan loss allowance to noncurrent loans | 241.8605% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 2,744 |
| Noncurrent loans to loans | 0.4017% | 3,105 |
| Net loans and leases to total assets | 76.2971% | 1,431 |
| Net loans and leases to deposits | 85.6265% | 2,244 |
| Net loans and leases to core deposits | 97.7967% | 1,840 |
| Total domestic deposits to total assets | 89.1045% | 577 |
| Equity capital to assets | 10.4040% | 3,635 |
| Core capital (leverage) ratio | 10.2881% | 3,317 |
| Tier 1 risk-based capital ratio | 13.7263% | 3,467 |
| Total risk-based capital ratio | 14.7385% | 3,486 |
| Memoranda: | ||
| Average total assets | $288,120,000 | 2,244 |
| Average earning assets | $253,730,250 | 2,328 |
| Average equity | $29,512,250 | 2,435 |
| Average total loans | $220,384,500 | 2,037 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3627% | 723 |
| Cost of funding earning assets | 0.8635% | 2,328 |
| Net interest margin | 4.4992% | 772 |
| Noninterest income to average assets | 0.6615% | 1,868 |
| Noninterest expense to average assets | 3.4966% | 963 |
| Loan and lease loss provision to assets | 0.1080% | 1,737 |
| Net operating income to assets | 0.7563% | 3,807 |
| Return on assets (ROA) | 0.7563% | 3,870 |
| Pretax return on assets | 1.0087% | 3,518 |
| Return on Equity (ROE) | 7.4235% | 3,523 |
| Retained earnings to average equity (ytd only) | 6.1509% | 2,216 |
| Net charge-offs to loans | 0.0347% | 2,169 |
| Credit loss provision to net charge-offs | 407.8947% | 704 |
| Earnings coverage of net charge-offs (x) | 42.1579% | 1,210 |
| Efficiency ratio | 75.7933% | 1,420 |
| Assets per employee ($millions) | 3.2112% | 4,767 |
| Cash dividends to net income (ytd only)* | 17.1429% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 3,830 |
| Loan loss allowance to noncurrent loans | 212.2754% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 2,587 |
| Noncurrent loans to loans | 0.4526% | 2,920 |
| Net loans and leases to total assets | 75.8707% | 1,567 |
| Net loans and leases to deposits | 85.0153% | 2,364 |
| Net loans and leases to core deposits | 97.1933% | 1,956 |
| Total domestic deposits to total assets | 89.2436% | 574 |
| Equity capital to assets | 10.3176% | 3,677 |
| Core capital (leverage) ratio | 10.2263% | 3,360 |
| Tier 1 risk-based capital ratio | 13.5561% | 3,544 |
| Total risk-based capital ratio | 14.5468% | 3,589 |
| Memoranda: | ||
| Average total assets | $286,909,000 | 2,256 |
| Average earning assets | $251,998,000 | 2,348 |
| Average equity | $29,231,670 | 2,444 |
| Average total loans | $218,918,330 | 2,052 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2106% | 894 |
| Cost of funding earning assets | 0.8046% | 2,512 |
| Net interest margin | 4.4060% | 888 |
| Noninterest income to average assets | 0.6745% | 1,706 |
| Noninterest expense to average assets | 3.4465% | 1,042 |
| Loan and lease loss provision to assets | 0.1077% | 1,646 |
| Net operating income to assets | 0.7332% | 3,827 |
| Return on assets (ROA) | 0.7332% | 3,880 |
| Pretax return on assets | 0.9977% | 3,446 |
| Return on Equity (ROE) | 7.2431% | 3,574 |
| Retained earnings to average equity (ytd only) | 5.9852% | 2,459 |
| Net charge-offs to loans | 0.0331% | 1,795 |
| Credit loss provision to net charge-offs | 427.7778% | 668 |
| Earnings coverage of net charge-offs (x) | 43.8889% | 1,095 |
| Efficiency ratio | 75.7147% | 1,528 |
| Assets per employee ($millions) | 3.2556% | 4,783 |
| Cash dividends to net income (ytd only)* | 17.3664% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 3,965 |
| Loan loss allowance to noncurrent loans | 118.0262% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7627% | 1,848 |
| Noncurrent loans to loans | 0.8044% | 2,028 |
| Net loans and leases to total assets | 75.3409% | 1,591 |
| Net loans and leases to deposits | 84.3233% | 2,348 |
| Net loans and leases to core deposits | 95.6649% | 1,960 |
| Total domestic deposits to total assets | 89.3477% | 711 |
| Equity capital to assets | 10.1912% | 3,631 |
| Core capital (leverage) ratio | 10.1407% | 3,444 |
| Tier 1 risk-based capital ratio | 13.5081% | 3,598 |
| Total risk-based capital ratio | 14.4839% | 3,657 |
| Memoranda: | ||
| Average total assets | $285,858,500 | 2,278 |
| Average earning assets | $251,566,000 | 2,369 |
| Average equity | $28,938,000 | 2,468 |
| Average total loans | $217,677,000 | 2,081 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1545% | 759 |
| Cost of funding earning assets | 0.5765% | 2,876 |
| Net interest margin | 4.5779% | 635 |
| Noninterest income to average assets | 0.7238% | 1,755 |
| Noninterest expense to average assets | 3.4659% | 1,042 |
| Loan and lease loss provision to assets | 0.1319% | 1,664 |
| Net operating income to assets | 0.8439% | 3,628 |
| Return on assets (ROA) | 0.8439% | 3,625 |
| Pretax return on assets | 1.1186% | 3,206 |
| Return on Equity (ROE) | 8.4665% | 3,232 |
| Retained earnings to average equity (ytd only) | 5.3023% | 2,599 |
| Net charge-offs to loans | 0.0594% | 2,288 |
| Credit loss provision to net charge-offs | 291.3386% | 1,051 |
| Earnings coverage of net charge-offs (x) | 27.6299% | 1,684 |
| Efficiency ratio | 73.3434% | 1,712 |
| Assets per employee ($millions) | 3.2785% | 4,760 |
| Cash dividends to net income (ytd only)* | 37.3733% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 4,070 |
| Loan loss allowance to noncurrent loans | 108.9431% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.8085% | 1,727 |
| Noncurrent loans to loans | 0.8485% | 1,900 |
| Net loans and leases to total assets | 75.5296% | 1,690 |
| Net loans and leases to deposits | 84.2840% | 2,485 |
| Net loans and leases to core deposits | 95.1218% | 2,124 |
| Total domestic deposits to total assets | 89.6131% | 615 |
| Equity capital to assets | 10.0548% | 3,623 |
| Core capital (leverage) ratio | 10.0991% | 3,463 |
| Tier 1 risk-based capital ratio | 13.3453% | 3,634 |
| Total risk-based capital ratio | 14.2963% | 3,711 |
| Memoranda: | ||
| Average total assets | $280,616,000 | 2,267 |
| Average earning assets | $244,738,800 | 2,380 |
| Average equity | $27,969,000 | 2,460 |
| Average total loans | $213,772,400 | 2,073 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1180% | 727 |
| Cost of funding earning assets | 0.5212% | 3,051 |
| Net interest margin | 4.5968% | 600 |
| Noninterest income to average assets | 0.7266% | 1,766 |
| Noninterest expense to average assets | 3.4813% | 1,004 |
| Loan and lease loss provision to assets | 0.1326% | 1,519 |
| Net operating income to assets | 0.8373% | 3,786 |
| Return on assets (ROA) | 0.8373% | 3,793 |
| Pretax return on assets | 1.1145% | 3,339 |
| Return on Equity (ROE) | 8.4196% | 3,370 |
| Retained earnings to average equity (ytd only) | 6.5726% | 2,353 |
| Net charge-offs to loans | 0.0789% | 1,730 |
| Credit loss provision to net charge-offs | 220.6349% | 1,288 |
| Earnings coverage of net charge-offs (x) | 20.7455% | 1,945 |
| Efficiency ratio | 73.4336% | 1,667 |
| Assets per employee ($millions) | 3.1293% | 4,941 |
| Cash dividends to net income (ytd only)* | 21.9373% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 4,334 |
| Loan loss allowance to noncurrent loans | 103.3944% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.8737% | 1,690 |
| Noncurrent loans to loans | 0.8533% | 1,993 |
| Net loans and leases to total assets | 78.2856% | 1,297 |
| Net loans and leases to deposits | 87.6846% | 2,195 |
| Net loans and leases to core deposits | 99.8273% | 1,808 |
| Total domestic deposits to total assets | 89.2810% | 734 |
| Equity capital to assets | 10.3054% | 3,326 |
| Core capital (leverage) ratio | 10.2017% | 3,408 |
| Tier 1 risk-based capital ratio | 13.4338% | 3,666 |
| Total risk-based capital ratio | 14.3514% | 3,760 |
| Memoranda: | ||
| Average total assets | $279,463,500 | 2,284 |
| Average earning assets | $243,293,000 | 2,404 |
| Average equity | $27,791,500 | 2,476 |
| Average total loans | $212,855,500 | 2,085 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0286% | 773 |
| Cost of funding earning assets | 0.4843% | 3,134 |
| Net interest margin | 4.5443% | 634 |
| Noninterest income to average assets | 0.7243% | 1,768 |
| Noninterest expense to average assets | 3.4591% | 1,053 |
| Loan and lease loss provision to assets | 0.1318% | 1,503 |
| Net operating income to assets | 0.8112% | 3,821 |
| Return on assets (ROA) | 0.8112% | 3,823 |
| Pretax return on assets | 1.0896% | 3,354 |
| Return on Equity (ROE) | 8.2549% | 3,389 |
| Retained earnings to average equity (ytd only) | 6.1531% | 2,477 |
| Net charge-offs to loans | 0.0596% | 1,752 |
| Credit loss provision to net charge-offs | 293.6508% | 1,016 |
| Earnings coverage of net charge-offs (x) | 27.2222% | 1,581 |
| Efficiency ratio | 73.6153% | 1,771 |
| Assets per employee ($millions) | 3.2252% | 4,905 |
| Cash dividends to net income (ytd only)* | 25.4609% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 4,433 |
| Loan loss allowance to noncurrent loans | 126.6086% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.7349% | 2,035 |
| Noncurrent loans to loans | 0.6933% | 2,374 |
| Net loans and leases to total assets | 76.0187% | 1,638 |
| Net loans and leases to deposits | 84.7847% | 2,447 |
| Net loans and leases to core deposits | 95.9040% | 2,065 |
| Total domestic deposits to total assets | 89.6609% | 685 |
| Equity capital to assets | 9.9635% | 3,658 |
| Core capital (leverage) ratio | 9.8971% | 3,685 |
| Tier 1 risk-based capital ratio | 13.2465% | 3,764 |
| Total risk-based capital ratio | 14.1539% | 3,867 |
| Memoranda: | ||
| Average total assets | $280,824,670 | 2,283 |
| Average earning assets | $244,483,330 | 2,400 |
| Average equity | $27,595,670 | 2,492 |
| Average total loans | $211,306,670 | 2,095 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8979% | 874 |
| Cost of funding earning assets | 0.4598% | 3,132 |
| Net interest margin | 4.4380% | 705 |
| Noninterest income to average assets | 0.7048% | 1,808 |
| Noninterest expense to average assets | 3.4285% | 1,115 |
| Loan and lease loss provision to assets | 0.1296% | 1,457 |
| Net operating income to assets | 0.7404% | 3,946 |
| Return on assets (ROA) | 0.7404% | 3,945 |
| Pretax return on assets | 1.0080% | 3,505 |
| Return on Equity (ROE) | 7.5871% | 3,543 |
| Retained earnings to average equity (ytd only) | 4.7419% | 3,288 |
| Net charge-offs to loans | 0.0401% | 1,729 |
| Credit loss provision to net charge-offs | 433.3333% | 655 |
| Earnings coverage of net charge-offs (x) | 38.0476% | 1,093 |
| Efficiency ratio | 74.4933% | 1,822 |
| Assets per employee ($millions) | 3.3104% | 4,894 |
| Cash dividends to net income (ytd only)* | 37.5000% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8723% | 4,560 |
| Loan loss allowance to noncurrent loans | 116.1923% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 2,116 |
| Noncurrent loans to loans | 0.7508% | 2,331 |
| Net loans and leases to total assets | 74.1868% | 1,828 |
| Net loans and leases to deposits | 82.5614% | 2,540 |
| Net loans and leases to core deposits | 93.1076% | 2,200 |
| Total domestic deposits to total assets | 89.8565% | 718 |
| Equity capital to assets | 9.7565% | 3,833 |
| Core capital (leverage) ratio | 9.7913% | 3,764 |
| Tier 1 risk-based capital ratio | 13.2649% | 3,800 |
| Total risk-based capital ratio | 14.1657% | 3,885 |
| Memoranda: | ||
| Average total assets | $280,940,000 | 2,296 |
| Average earning assets | $244,433,000 | 2,423 |
| Average equity | $27,415,000 | 2,528 |
| Average total loans | $209,363,500 | 2,122 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9768% | 675 |
| Cost of funding earning assets | 0.4106% | 3,154 |
| Net interest margin | 4.5662% | 534 |
| Noninterest income to average assets | 0.6888% | 2,012 |
| Noninterest expense to average assets | 3.4951% | 1,047 |
| Loan and lease loss provision to assets | 0.1322% | 1,736 |
| Net operating income to assets | 0.6648% | 3,755 |
| Return on assets (ROA) | 0.6703% | 3,776 |
| Pretax return on assets | 1.0288% | 3,463 |
| Return on Equity (ROE) | 6.9083% | 3,324 |
| Retained earnings to average equity (ytd only) | 4.8115% | 2,249 |
| Net charge-offs to loans | 0.0707% | 2,439 |
| Credit loss provision to net charge-offs | 249.3151% | 1,111 |
| Earnings coverage of net charge-offs (x) | 21.7329% | 1,882 |
| Efficiency ratio | 74.5975% | 1,808 |
| Assets per employee ($millions) | 3.3393% | 4,898 |
| Cash dividends to net income (ytd only)* | 30.3523% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,670 |
| Loan loss allowance to noncurrent loans | 125.4972% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6980% | 2,224 |
| Noncurrent loans to loans | 0.6765% | 2,520 |
| Net loans and leases to total assets | 73.5744% | 1,989 |
| Net loans and leases to deposits | 81.7896% | 2,742 |
| Net loans and leases to core deposits | 92.2231% | 2,360 |
| Total domestic deposits to total assets | 89.9557% | 583 |
| Equity capital to assets | 9.7602% | 3,953 |
| Core capital (leverage) ratio | 9.6501% | 3,866 |
| Tier 1 risk-based capital ratio | 13.1503% | 3,818 |
| Total risk-based capital ratio | 14.0202% | 3,943 |
| Memoranda: | ||
| Average total assets | $275,269,800 | 2,316 |
| Average earning assets | $238,668,800 | 2,433 |
| Average equity | $26,707,000 | 2,563 |
| Average total loans | $206,527,000 | 2,107 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9550% | 673 |
| Cost of funding earning assets | 0.3945% | 3,255 |
| Net interest margin | 4.5605% | 526 |
| Noninterest income to average assets | 0.6799% | 2,081 |
| Noninterest expense to average assets | 3.5546% | 915 |
| Loan and lease loss provision to assets | 0.1333% | 1,628 |
| Net operating income to assets | 0.6336% | 4,258 |
| Return on assets (ROA) | 0.6409% | 4,279 |
| Pretax return on assets | 0.9641% | 3,822 |
| Return on Equity (ROE) | 6.6164% | 3,856 |
| Retained earnings to average equity (ytd only) | 4.4059% | 3,275 |
| Net charge-offs to loans | 0.0530% | 2,383 |
| Credit loss provision to net charge-offs | 334.1463% | 893 |
| Earnings coverage of net charge-offs (x) | 27.2197% | 1,645 |
| Efficiency ratio | 75.9857% | 1,593 |
| Assets per employee ($millions) | 3.1935% | 5,072 |
| Cash dividends to net income (ytd only)* | 33.4091% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 4,846 |
| Loan loss allowance to noncurrent loans | 293.5919% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 3,221 |
| Noncurrent loans to loans | 0.2786% | 3,952 |
| Net loans and leases to total assets | 76.8660% | 1,442 |
| Net loans and leases to deposits | 87.3829% | 2,139 |
| Net loans and leases to core deposits | 99.2007% | 1,779 |
| Total domestic deposits to total assets | 87.9646% | 1,383 |
| Equity capital to assets | 9.8613% | 4,076 |
| Core capital (leverage) ratio | 9.7504% | 3,880 |
| Tier 1 risk-based capital ratio | 12.7896% | 4,143 |
| Total risk-based capital ratio | 13.6367% | 4,294 |
| Memoranda: | ||
| Average total assets | $273,963,000 | 2,336 |
| Average earning assets | $237,950,000 | 2,460 |
| Average equity | $26,539,500 | 2,590 |
| Average total loans | $206,123,500 | 2,119 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 771 |
| Cost of funding earning assets | 0.3869% | 3,214 |
| Net interest margin | 4.4641% | 619 |
| Noninterest income to average assets | 0.6824% | 2,075 |
| Noninterest expense to average assets | 3.5735% | 903 |
| Loan and lease loss provision to assets | 0.1337% | 1,556 |
| Net operating income to assets | 0.5668% | 4,442 |
| Return on assets (ROA) | 0.5779% | 4,455 |
| Pretax return on assets | 0.8702% | 4,035 |
| Return on Equity (ROE) | 6.0019% | 4,046 |
| Retained earnings to average equity (ytd only) | 3.3841% | 3,698 |
| Net charge-offs to loans | 0.0481% | 2,255 |
| Credit loss provision to net charge-offs | 373.4694% | 836 |
| Earnings coverage of net charge-offs (x) | 27.5714% | 1,537 |
| Efficiency ratio | 77.7475% | 1,501 |
| Assets per employee ($millions) | 3.0719% | 5,210 |
| Cash dividends to net income (ytd only)* | 43.6157% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 4,940 |
| Loan loss allowance to noncurrent loans | 434.8837% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 3,720 |
| Noncurrent loans to loans | 0.1851% | 4,375 |
| Net loans and leases to total assets | 76.7205% | 1,427 |
| Net loans and leases to deposits | 85.4410% | 2,293 |
| Net loans and leases to core deposits | 97.2759% | 1,870 |
| Total domestic deposits to total assets | 89.7935% | 605 |
| Equity capital to assets | 9.8713% | 4,060 |
| Core capital (leverage) ratio | 9.6211% | 3,998 |
| Tier 1 risk-based capital ratio | 12.8624% | 4,085 |
| Total risk-based capital ratio | 13.7001% | 4,218 |
| Memoranda: | ||
| Average total assets | $273,737,670 | 2,347 |
| Average earning assets | $237,809,670 | 2,469 |
| Average equity | $26,358,330 | 2,605 |
| Average total loans | $203,883,000 | 2,134 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7105% | 921 |
| Cost of funding earning assets | 0.3836% | 3,162 |
| Net interest margin | 4.3269% | 734 |
| Noninterest income to average assets | 0.6811% | 2,036 |
| Noninterest expense to average assets | 3.5274% | 1,006 |
| Loan and lease loss provision to assets | 0.1336% | 1,432 |
| Net operating income to assets | 0.5317% | 4,457 |
| Return on assets (ROA) | 0.5547% | 4,403 |
| Pretax return on assets | 0.8045% | 4,095 |
| Return on Equity (ROE) | 5.8332% | 3,987 |
| Retained earnings to average equity (ytd only) | 2.0157% | 4,333 |
| Net charge-offs to loans | 0.0437% | 1,957 |
| Credit loss provision to net charge-offs | 418.1818% | 638 |
| Earnings coverage of net charge-offs (x) | 28.3182% | 1,253 |
| Efficiency ratio | 78.9646% | 1,492 |
| Assets per employee ($millions) | 3.1617% | 5,209 |
| Cash dividends to net income (ytd only)* | 65.4450% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 5,067 |
| Loan loss allowance to noncurrent loans | 865.7754% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 4,134 |
| Noncurrent loans to loans | 0.0922% | 4,823 |
| Net loans and leases to total assets | 73.1357% | 1,885 |
| Net loans and leases to deposits | 81.1633% | 2,610 |
| Net loans and leases to core deposits | 91.0903% | 2,254 |
| Total domestic deposits to total assets | 90.1094% | 614 |
| Equity capital to assets | 9.5496% | 4,228 |
| Core capital (leverage) ratio | 9.3268% | 4,309 |
| Tier 1 risk-based capital ratio | 12.8182% | 4,190 |
| Total risk-based capital ratio | 13.6317% | 4,367 |
| Memoranda: | ||
| Average total assets | $275,442,500 | 2,360 |
| Average earning assets | $238,785,500 | 2,478 |
| Average equity | $26,195,000 | 2,624 |
| Average total loans | $201,284,500 | 2,169 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 748 |
| Cost of funding earning assets | 0.3891% | 3,111 |
| Net interest margin | 4.5038% | 615 |
| Noninterest income to average assets | 0.6866% | 2,236 |
| Noninterest expense to average assets | 3.5418% | 1,101 |
| Loan and lease loss provision to assets | 0.1563% | 1,593 |
| Net operating income to assets | 0.5890% | 4,259 |
| Return on assets (ROA) | 0.5926% | 4,351 |
| Pretax return on assets | 0.8930% | 3,873 |
| Return on Equity (ROE) | 6.2435% | 3,871 |
| Retained earnings to average equity (ytd only) | 4.6321% | 2,604 |
| Net charge-offs to loans | 0.0894% | 2,421 |
| Credit loss provision to net charge-offs | 240.9091% | 1,203 |
| Earnings coverage of net charge-offs (x) | 16.0909% | 2,142 |
| Efficiency ratio | 76.6195% | 1,901 |
| Assets per employee ($millions) | 3.2072% | 5,141 |
| Cash dividends to net income (ytd only)* | 25.8085% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 5,167 |
| Loan loss allowance to noncurrent loans | 1,019.0789% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 4,079 |
| Noncurrent loans to loans | 0.0761% | 4,937 |
| Net loans and leases to total assets | 71.8694% | 2,187 |
| Net loans and leases to deposits | 81.2586% | 2,754 |
| Net loans and leases to core deposits | 89.9499% | 2,500 |
| Total domestic deposits to total assets | 88.4452% | 1,412 |
| Equity capital to assets | 9.4708% | 4,302 |
| Core capital (leverage) ratio | 9.3834% | 4,240 |
| Tier 1 risk-based capital ratio | 12.9224% | 4,120 |
| Total risk-based capital ratio | 13.7110% | 4,293 |
| Memoranda: | ||
| Average total assets | $271,328,000 | 2,351 |
| Average earning assets | $234,888,200 | 2,480 |
| Average equity | $25,754,800 | 2,656 |
| Average total loans | $196,763,800 | 2,140 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8945% | 736 |
| Cost of funding earning assets | 0.3911% | 3,114 |
| Net interest margin | 4.5033% | 626 |
| Noninterest income to average assets | 0.7031% | 2,152 |
| Noninterest expense to average assets | 3.5942% | 1,003 |
| Loan and lease loss provision to assets | 0.1564% | 1,485 |
| Net operating income to assets | 0.5762% | 4,384 |
| Return on assets (ROA) | 0.5813% | 4,479 |
| Pretax return on assets | 0.8571% | 4,133 |
| Return on Equity (ROE) | 6.1202% | 4,014 |
| Retained earnings to average equity (ytd only) | 4.4577% | 3,160 |
| Net charge-offs to loans | 0.1150% | 1,797 |
| Credit loss provision to net charge-offs | 187.5740% | 1,499 |
| Earnings coverage of net charge-offs (x) | 12.0650% | 2,423 |
| Efficiency ratio | 77.5072% | 1,764 |
| Assets per employee ($millions) | 3.1666% | 5,221 |
| Cash dividends to net income (ytd only)* | 27.1649% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7195% | 5,388 |
| Loan loss allowance to noncurrent loans | 750.7772% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.3481% | 4,014 |
| Noncurrent loans to loans | 0.0958% | 4,961 |
| Net loans and leases to total assets | 75.1673% | 1,675 |
| Net loans and leases to deposits | 85.5989% | 2,302 |
| Net loans and leases to core deposits | 95.3926% | 2,061 |
| Total domestic deposits to total assets | 87.8134% | 1,495 |
| Equity capital to assets | 9.8310% | 4,325 |
| Core capital (leverage) ratio | 9.4176% | 4,302 |
| Tier 1 risk-based capital ratio | 12.6885% | 4,347 |
| Total risk-based capital ratio | 13.4229% | 4,586 |
| Memoranda: | ||
| Average total assets | $270,205,750 | 2,374 |
| Average earning assets | $233,835,250 | 2,491 |
| Average equity | $25,663,000 | 2,682 |
| Average total loans | $196,010,500 | 2,155 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8341% | 825 |
| Cost of funding earning assets | 0.3888% | 3,161 |
| Net interest margin | 4.4453% | 698 |
| Noninterest income to average assets | 0.6966% | 2,159 |
| Noninterest expense to average assets | 3.5794% | 1,034 |
| Loan and lease loss provision to assets | 0.1561% | 1,459 |
| Net operating income to assets | 0.5437% | 4,506 |
| Return on assets (ROA) | 0.5508% | 4,589 |
| Pretax return on assets | 0.8019% | 4,273 |
| Return on Equity (ROE) | 5.8665% | 4,110 |
| Retained earnings to average equity (ytd only) | 4.1019% | 3,292 |
| Net charge-offs to loans | -0.0185% | 4,915 |
| Credit loss provision to net charge-offs | -1,177.7778% | 5,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4320% | 1,726 |
| Assets per employee ($millions) | 3.2007% | 5,204 |
| Cash dividends to net income (ytd only)* | 30.0802% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7715% | 5,344 |
| Loan loss allowance to noncurrent loans | 242.2468% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 3,510 |
| Noncurrent loans to loans | 0.3185% | 4,227 |
| Net loans and leases to total assets | 73.2462% | 1,971 |
| Net loans and leases to deposits | 83.1676% | 2,571 |
| Net loans and leases to core deposits | 92.2642% | 2,327 |
| Total domestic deposits to total assets | 88.0705% | 1,396 |
| Equity capital to assets | 9.6305% | 4,633 |
| Core capital (leverage) ratio | 9.1881% | 4,616 |
| Tier 1 risk-based capital ratio | 12.6223% | 4,433 |
| Total risk-based capital ratio | 13.4050% | 4,644 |
| Memoranda: | ||
| Average total assets | $271,609,000 | 2,368 |
| Average earning assets | $234,045,330 | 2,506 |
| Average equity | $25,500,670 | 2,703 |
| Average total loans | $194,217,000 | 2,174 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 907 |
| Cost of funding earning assets | 0.3864% | 3,224 |
| Net interest margin | 4.3848% | 764 |
| Noninterest income to average assets | 0.6975% | 2,054 |
| Noninterest expense to average assets | 3.5284% | 1,138 |
| Loan and lease loss provision to assets | 0.1553% | 1,349 |
| Net operating income to assets | 0.5193% | 4,544 |
| Return on assets (ROA) | 0.5319% | 4,603 |
| Pretax return on assets | 0.8074% | 4,171 |
| Return on Equity (ROE) | 5.7380% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.6831% | 3,651 |
| Net charge-offs to loans | 0.0146% | 2,651 |
| Credit loss provision to net charge-offs | 1,514.2857% | 268 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 569 |
| Efficiency ratio | 78.2765% | 1,854 |
| Assets per employee ($millions) | 2.9649% | 5,536 |
| Cash dividends to net income (ytd only)* | 35.8127% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7308% | 5,540 |
| Loan loss allowance to noncurrent loans | 227.6423% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 3,385 |
| Noncurrent loans to loans | 0.3210% | 4,281 |
| Net loans and leases to total assets | 70.4822% | 2,268 |
| Net loans and leases to deposits | 79.8309% | 2,815 |
| Net loans and leases to core deposits | 88.4616% | 2,518 |
| Total domestic deposits to total assets | 88.2894% | 1,480 |
| Equity capital to assets | 9.4379% | 4,731 |
| Core capital (leverage) ratio | 9.0245% | 4,825 |
| Tier 1 risk-based capital ratio | 12.7379% | 4,438 |
| Total risk-based capital ratio | 13.4691% | 4,673 |
| Memoranda: | ||
| Average total assets | $272,986,000 | 2,362 |
| Average earning assets | $234,993,000 | 2,503 |
| Average equity | $25,305,000 | 2,723 |
| Average total loans | $192,097,000 | 2,188 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 976 |
| Cost of funding earning assets | 0.3820% | 3,345 |
| Net interest margin | 4.3854% | 819 |
| Noninterest income to average assets | 0.6447% | 2,490 |
| Noninterest expense to average assets | 3.4822% | 1,323 |
| Loan and lease loss provision to assets | 0.1521% | 1,546 |
| Net operating income to assets | 0.5466% | 4,514 |
| Return on assets (ROA) | 0.5543% | 4,570 |
| Pretax return on assets | 0.8024% | 4,176 |
| Return on Equity (ROE) | 5.5758% | 4,247 |
| Retained earnings to average equity (ytd only) | -10.9176% | 6,050 |
| Net charge-offs to loans | 0.0652% | 2,927 |
| Credit loss provision to net charge-offs | 334.9593% | 892 |
| Earnings coverage of net charge-offs (x) | 20.7724% | 1,856 |
| Efficiency ratio | 78.0392% | 1,961 |
| Assets per employee ($millions) | 3.2112% | 5,281 |
| Cash dividends to net income (ytd only)* | 295.8028% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6754% | 5,682 |
| Loan loss allowance to noncurrent loans | 186.1230% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 3,153 |
| Noncurrent loans to loans | 0.3629% | 4,149 |
| Net loans and leases to total assets | 69.2800% | 2,490 |
| Net loans and leases to deposits | 79.6515% | 2,863 |
| Net loans and leases to core deposits | 87.9301% | 2,612 |
| Total domestic deposits to total assets | 86.9788% | 2,152 |
| Equity capital to assets | 9.1054% | 5,016 |
| Core capital (leverage) ratio | 8.9364% | 4,959 |
| Tier 1 risk-based capital ratio | 12.5655% | 4,587 |
| Total risk-based capital ratio | 13.2416% | 4,857 |
| Memoranda: | ||
| Average total assets | $270,807,400 | 2,338 |
| Average earning assets | $233,480,600 | 2,476 |
| Average equity | $26,919,800 | 2,557 |
| Average total loans | $188,660,600 | 2,165 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 1,025 |
| Cost of funding earning assets | 0.3842% | 3,391 |
| Net interest margin | 4.3598% | 861 |
| Noninterest income to average assets | 0.6398% | 2,528 |
| Noninterest expense to average assets | 3.5318% | 1,230 |
| Loan and lease loss provision to assets | 0.1514% | 1,441 |
| Net operating income to assets | 0.4795% | 4,858 |
| Return on assets (ROA) | 0.4893% | 4,920 |
| Pretax return on assets | 0.7392% | 4,538 |
| Return on Equity (ROE) | 4.8190% | 4,706 |
| Retained earnings to average equity (ytd only) | -14.3790% | 6,173 |
| Net charge-offs to loans | 0.0817% | 2,384 |
| Credit loss provision to net charge-offs | 266.0870% | 1,087 |
| Earnings coverage of net charge-offs (x) | 15.3912% | 2,183 |
| Efficiency ratio | 79.4791% | 1,733 |
| Assets per employee ($millions) | 3.1416% | 5,375 |
| Cash dividends to net income (ytd only)* | 398.3832% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6232% | 5,859 |
| Loan loss allowance to noncurrent loans | 169.6756% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7347% | 3,075 |
| Noncurrent loans to loans | 0.3673% | 4,299 |
| Net loans and leases to total assets | 71.8386% | 2,086 |
| Net loans and leases to deposits | 83.1976% | 2,508 |
| Net loans and leases to core deposits | 96.4189% | 1,849 |
| Total domestic deposits to total assets | 86.3469% | 2,362 |
| Equity capital to assets | 9.4338% | 4,838 |
| Core capital (leverage) ratio | 9.0070% | 4,990 |
| Tier 1 risk-based capital ratio | 12.4694% | 4,781 |
| Total risk-based capital ratio | 13.0903% | 5,098 |
| Memoranda: | ||
| Average total assets | $269,468,000 | 2,364 |
| Average earning assets | $232,880,500 | 2,499 |
| Average equity | $27,363,250 | 2,527 |
| Average total loans | $187,668,750 | 2,194 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6666% | 1,137 |
| Cost of funding earning assets | 0.3818% | 3,465 |
| Net interest margin | 4.2849% | 944 |
| Noninterest income to average assets | 0.6453% | 2,503 |
| Noninterest expense to average assets | 3.5023% | 1,292 |
| Loan and lease loss provision to assets | 0.1487% | 1,438 |
| Net operating income to assets | 0.4455% | 4,983 |
| Return on assets (ROA) | 0.4455% | 5,086 |
| Pretax return on assets | 0.6985% | 4,659 |
| Return on Equity (ROE) | 4.2867% | 4,906 |
| Retained earnings to average equity (ytd only) | -0.2706% | 5,558 |
| Net charge-offs to loans | 0.0699% | 2,395 |
| Credit loss provision to net charge-offs | 309.2308% | 915 |
| Earnings coverage of net charge-offs (x) | 17.6154% | 1,846 |
| Efficiency ratio | 79.8741% | 1,782 |
| Assets per employee ($millions) | 3.1873% | 5,362 |
| Cash dividends to net income (ytd only)* | 106.3123% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5962% | 5,981 |
| Loan loss allowance to noncurrent loans | 85.2264% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 0.8563% | 2,844 |
| Noncurrent loans to loans | 0.6995% | 3,390 |
| Net loans and leases to total assets | 70.6514% | 2,219 |
| Net loans and leases to deposits | 82.5746% | 2,485 |
| Net loans and leases to core deposits | 91.5863% | 2,191 |
| Total domestic deposits to total assets | 85.5606% | 2,891 |
| Equity capital to assets | 10.3345% | 3,643 |
| Core capital (leverage) ratio | 10.1459% | 3,402 |
| Tier 1 risk-based capital ratio | 13.9346% | 3,970 |
| Total risk-based capital ratio | 14.5257% | 4,291 |
| Memoranda: | ||
| Average total assets | $270,277,670 | 2,367 |
| Average earning assets | $233,658,330 | 2,509 |
| Average equity | $28,087,000 | 2,477 |
| Average total loans | $185,878,330 | 2,217 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 1,220 |
| Cost of funding earning assets | 0.3828% | 3,499 |
| Net interest margin | 4.2156% | 1,029 |
| Noninterest income to average assets | 0.6282% | 2,505 |
| Noninterest expense to average assets | 3.3102% | 1,699 |
| Loan and lease loss provision to assets | 0.1556% | 1,307 |
| Net operating income to assets | 0.5112% | 4,622 |
| Return on assets (ROA) | 0.5112% | 4,744 |
| Pretax return on assets | 0.8179% | 4,176 |
| Return on Equity (ROE) | 4.9055% | 4,581 |
| Retained earnings to average equity (ytd only) | -3.1993% | 5,807 |
| Net charge-offs to loans | 0.0811% | 1,897 |
| Credit loss provision to net charge-offs | 283.7838% | 845 |
| Earnings coverage of net charge-offs (x) | 17.7568% | 1,512 |
| Efficiency ratio | 76.6171% | 2,410 |
| Assets per employee ($millions) | 3.2167% | 5,384 |
| Cash dividends to net income (ytd only)* | 165.2174% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5872% | 6,077 |
| Loan loss allowance to noncurrent loans | 79.2952% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.1087% | 2,417 |
| Noncurrent loans to loans | 0.7405% | 3,408 |
| Net loans and leases to total assets | 68.4856% | 2,369 |
| Net loans and leases to deposits | 78.5170% | 2,737 |
| Net loans and leases to core deposits | 86.7320% | 2,468 |
| Total domestic deposits to total assets | 87.2239% | 2,257 |
| Equity capital to assets | 10.5089% | 3,522 |
| Core capital (leverage) ratio | 10.1114% | 3,457 |
| Tier 1 risk-based capital ratio | 14.3871% | 3,784 |
| Total risk-based capital ratio | 14.9654% | 4,117 |
| Memoranda: | ||
| Average total assets | $269,957,000 | 2,388 |
| Average earning assets | $234,084,500 | 2,519 |
| Average equity | $28,131,500 | 2,494 |
| Average total loans | $182,539,500 | 2,258 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7456% | 1,210 |
| Cost of funding earning assets | 0.4142% | 3,553 |
| Net interest margin | 4.3314% | 1,000 |
| Noninterest income to average assets | 0.6915% | 2,339 |
| Noninterest expense to average assets | 3.4899% | 1,509 |
| Loan and lease loss provision to assets | 0.1105% | 2,319 |
| Net operating income to assets | 0.6162% | 4,293 |
| Return on assets (ROA) | 0.6343% | 4,317 |
| Pretax return on assets | 0.9206% | 3,824 |
| Return on Equity (ROE) | 6.0913% | 4,098 |
| Retained earnings to average equity (ytd only) | 3.6020% | 3,654 |
| Net charge-offs to loans | 0.4938% | 838 |
| Credit loss provision to net charge-offs | 32.7684% | 3,796 |
| Earnings coverage of net charge-offs (x) | 2.9785% | 4,016 |
| Efficiency ratio | 76.9909% | 2,352 |
| Assets per employee ($millions) | 3.3284% | 5,221 |
| Cash dividends to net income (ytd only)* | 40.8654% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5586% | 6,195 |
| Loan loss allowance to noncurrent loans | 68.1941% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.1138% | 2,524 |
| Noncurrent loans to loans | 0.8192% | 3,265 |
| Net loans and leases to total assets | 66.0028% | 2,883 |
| Net loans and leases to deposits | 77.0938% | 3,072 |
| Net loans and leases to core deposits | 85.1643% | 2,769 |
| Total domestic deposits to total assets | 85.6136% | 3,026 |
| Equity capital to assets | 10.3345% | 3,682 |
| Core capital (leverage) ratio | 10.0410% | 3,517 |
| Tier 1 risk-based capital ratio | 14.6515% | 3,697 |
| Total risk-based capital ratio | 15.2020% | 4,055 |
| Memoranda: | ||
| Average total assets | $262,328,400 | 2,408 |
| Average earning assets | $230,339,600 | 2,515 |
| Average equity | $27,317,800 | 2,462 |
| Average total loans | $179,239,600 | 2,236 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7955% | 1,113 |
| Cost of funding earning assets | 0.4231% | 3,544 |
| Net interest margin | 4.3724% | 924 |
| Noninterest income to average assets | 0.6906% | 2,379 |
| Noninterest expense to average assets | 3.4663% | 1,539 |
| Loan and lease loss provision to assets | 0.1099% | 2,211 |
| Net operating income to assets | 0.6788% | 4,055 |
| Return on assets (ROA) | 0.7039% | 4,024 |
| Pretax return on assets | 0.9915% | 3,627 |
| Return on Equity (ROE) | 6.7463% | 3,828 |
| Retained earnings to average equity (ytd only) | 3.7446% | 3,983 |
| Net charge-offs to loans | 0.2193% | 1,727 |
| Credit loss provision to net charge-offs | 72.7891% | 2,718 |
| Earnings coverage of net charge-offs (x) | 7.0612% | 2,981 |
| Efficiency ratio | 75.8242% | 2,522 |
| Assets per employee ($millions) | 3.2047% | 5,418 |
| Cash dividends to net income (ytd only)* | 44.4930% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8299% | 5,796 |
| Loan loss allowance to noncurrent loans | 56.2017% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 1.4997% | 2,050 |
| Noncurrent loans to loans | 1.4767% | 2,200 |
| Net loans and leases to total assets | 69.4346% | 2,278 |
| Net loans and leases to deposits | 81.4632% | 2,493 |
| Net loans and leases to core deposits | 91.1677% | 2,098 |
| Total domestic deposits to total assets | 85.2343% | 3,245 |
| Equity capital to assets | 10.5931% | 3,433 |
| Core capital (leverage) ratio | 10.2895% | 3,306 |
| Tier 1 risk-based capital ratio | 14.5675% | 3,843 |
| Total risk-based capital ratio | 15.4008% | 4,038 |
| Memoranda: | ||
| Average total assets | $259,677,750 | 2,452 |
| Average earning assets | $228,150,750 | 2,557 |
| Average equity | $27,095,750 | 2,482 |
| Average total loans | $178,761,000 | 2,251 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 1,173 |
| Cost of funding earning assets | 0.4285% | 3,570 |
| Net interest margin | 4.3219% | 983 |
| Noninterest income to average assets | 0.7014% | 2,270 |
| Noninterest expense to average assets | 3.4642% | 1,544 |
| Loan and lease loss provision to assets | 0.1075% | 2,217 |
| Net operating income to assets | 0.6023% | 4,347 |
| Return on assets (ROA) | 0.6364% | 4,278 |
| Pretax return on assets | 0.9890% | 3,521 |
| Return on Equity (ROE) | 6.1307% | 4,084 |
| Retained earnings to average equity (ytd only) | 1.4675% | 5,156 |
| Net charge-offs to loans | 0.0068% | 4,147 |
| Credit loss provision to net charge-offs | 2,316.6667% | 159 |
| Earnings coverage of net charge-offs (x) | 224.8333% | 303 |
| Efficiency ratio | 76.2052% | 2,591 |
| Assets per employee ($millions) | 3.1897% | 5,439 |
| Cash dividends to net income (ytd only)* | 76.0632% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 5,514 |
| Loan loss allowance to noncurrent loans | 56.7286% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 1.6024% | 2,044 |
| Noncurrent loans to loans | 1.6958% | 2,047 |
| Net loans and leases to total assets | 69.3708% | 2,174 |
| Net loans and leases to deposits | 77.8667% | 2,817 |
| Net loans and leases to core deposits | 86.6676% | 2,452 |
| Total domestic deposits to total assets | 89.0892% | 1,307 |
| Equity capital to assets | 10.5268% | 3,413 |
| Core capital (leverage) ratio | 10.1933% | 3,353 |
| Tier 1 risk-based capital ratio | 14.5047% | 3,930 |
| Total risk-based capital ratio | 15.4719% | 4,046 |
| Memoranda: | ||
| Average total assets | $258,642,330 | 2,468 |
| Average earning assets | $227,770,000 | 2,569 |
| Average equity | $26,848,670 | 2,489 |
| Average total loans | $177,018,000 | 2,266 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 1,150 |
| Cost of funding earning assets | 0.4373% | 3,570 |
| Net interest margin | 4.3081% | 980 |
| Noninterest income to average assets | 0.6848% | 2,258 |
| Noninterest expense to average assets | 3.4516% | 1,586 |
| Loan and lease loss provision to assets | 0.1360% | 1,782 |
| Net operating income to assets | 0.5456% | 4,477 |
| Return on assets (ROA) | 0.5456% | 4,548 |
| Pretax return on assets | 0.8733% | 3,816 |
| Return on Equity (ROE) | 5.2935% | 4,394 |
| Retained earnings to average equity (ytd only) | -1.7545% | 5,830 |
| Net charge-offs to loans | -0.0046% | 4,800 |
| Credit loss provision to net charge-offs | -4,400.0000% | 5,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7152% | 2,688 |
| Assets per employee ($millions) | 3.1247% | 5,643 |
| Cash dividends to net income (ytd only)* | 133.1445% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 5,627 |
| Loan loss allowance to noncurrent loans | 76.0645% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.2965% | 2,700 |
| Noncurrent loans to loans | 1.2794% | 2,890 |
| Net loans and leases to total assets | 67.3952% | 2,320 |
| Net loans and leases to deposits | 75.5719% | 2,862 |
| Net loans and leases to core deposits | 83.2421% | 2,609 |
| Total domestic deposits to total assets | 89.1803% | 1,547 |
| Equity capital to assets | 10.4459% | 3,302 |
| Core capital (leverage) ratio | 10.0322% | 3,527 |
| Tier 1 risk-based capital ratio | 14.8245% | 3,798 |
| Total risk-based capital ratio | 15.8006% | 3,927 |
| Memoranda: | ||
| Average total assets | $258,779,500 | 2,468 |
| Average earning assets | $226,826,000 | 2,587 |
| Average equity | $26,674,000 | 2,491 |
| Average total loans | $175,040,500 | 2,284 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 1,395 |
| Cost of funding earning assets | 0.5187% | 3,406 |
| Net interest margin | 4.2446% | 1,236 |
| Noninterest income to average assets | 0.8256% | 1,960 |
| Noninterest expense to average assets | 3.3472% | 2,009 |
| Loan and lease loss provision to assets | 0.1958% | 1,894 |
| Net operating income to assets | 0.6717% | 3,932 |
| Return on assets (ROA) | 0.7157% | 3,804 |
| Pretax return on assets | 1.0415% | 3,184 |
| Return on Equity (ROE) | 6.9306% | 3,592 |
| Retained earnings to average equity (ytd only) | -0.6404% | 5,998 |
| Net charge-offs to loans | 0.1835% | 3,003 |
| Credit loss provision to net charge-offs | 167.7524% | 1,355 |
| Earnings coverage of net charge-offs (x) | 10.0554% | 2,426 |
| Efficiency ratio | 73.3961% | 3,233 |
| Assets per employee ($millions) | 3.1870% | 5,512 |
| Cash dividends to net income (ytd only)* | 109.2406% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 5,877 |
| Loan loss allowance to noncurrent loans | 52.6885% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 1.5903% | 2,338 |
| Noncurrent loans to loans | 1.7359% | 2,316 |
| Net loans and leases to total assets | 66.6173% | 2,590 |
| Net loans and leases to deposits | 74.4299% | 3,199 |
| Net loans and leases to core deposits | 81.4291% | 2,963 |
| Total domestic deposits to total assets | 89.5034% | 1,335 |
| Equity capital to assets | 10.1721% | 3,542 |
| Core capital (leverage) ratio | 10.0699% | 3,468 |
| Tier 1 risk-based capital ratio | 14.6380% | 3,879 |
| Total risk-based capital ratio | 15.5472% | 4,028 |
| Memoranda: | ||
| Average total assets | $263,087,600 | 2,404 |
| Average earning assets | $229,018,400 | 2,522 |
| Average equity | $27,169,200 | 2,443 |
| Average total loans | $167,293,600 | 2,334 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7442% | 1,489 |
| Cost of funding earning assets | 0.5368% | 3,392 |
| Net interest margin | 4.2074% | 1,307 |
| Noninterest income to average assets | 0.8662% | 1,871 |
| Noninterest expense to average assets | 3.2821% | 2,114 |
| Loan and lease loss provision to assets | 0.2595% | 1,364 |
| Net operating income to assets | 0.6128% | 4,299 |
| Return on assets (ROA) | 0.6668% | 4,169 |
| Pretax return on assets | 1.0650% | 3,246 |
| Return on Equity (ROE) | 6.4332% | 3,960 |
| Retained earnings to average equity (ytd only) | -0.6785% | 6,081 |
| Net charge-offs to loans | 0.1687% | 2,868 |
| Credit loss provision to net charge-offs | 245.4545% | 1,005 |
| Earnings coverage of net charge-offs (x) | 11.7273% | 2,210 |
| Efficiency ratio | 71.9288% | 3,416 |
| Assets per employee ($millions) | 3.0138% | 5,825 |
| Cash dividends to net income (ytd only)* | 110.5464% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 5,746 |
| Loan loss allowance to noncurrent loans | 213.1414% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.9804% | 3,697 |
| Noncurrent loans to loans | 0.4672% | 5,023 |
| Net loans and leases to total assets | 66.8864% | 2,483 |
| Net loans and leases to deposits | 75.1623% | 3,068 |
| Net loans and leases to core deposits | 82.6420% | 2,814 |
| Total domestic deposits to total assets | 88.9893% | 1,556 |
| Equity capital to assets | 10.5553% | 3,209 |
| Core capital (leverage) ratio | 10.0809% | 3,558 |
| Tier 1 risk-based capital ratio | 15.1239% | 3,669 |
| Total risk-based capital ratio | 16.1186% | 3,793 |
| Memoranda: | ||
| Average total assets | $263,526,250 | 2,426 |
| Average earning assets | $228,990,000 | 2,538 |
| Average equity | $27,315,750 | 2,453 |
| Average total loans | $165,192,000 | 2,369 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7101% | 1,537 |
| Cost of funding earning assets | 0.5560% | 3,352 |
| Net interest margin | 4.1541% | 1,398 |
| Noninterest income to average assets | 0.9192% | 1,749 |
| Noninterest expense to average assets | 3.2122% | 2,321 |
| Loan and lease loss provision to assets | 0.3289% | 1,050 |
| Net operating income to assets | 0.5794% | 4,407 |
| Return on assets (ROA) | 0.6600% | 4,168 |
| Pretax return on assets | 1.0862% | 3,151 |
| Return on Equity (ROE) | 6.4041% | 3,933 |
| Retained earnings to average equity (ytd only) | 0.1745% | 5,804 |
| Net charge-offs to loans | 0.1997% | 2,564 |
| Credit loss provision to net charge-offs | 269.3252% | 939 |
| Earnings coverage of net charge-offs (x) | 10.5583% | 2,145 |
| Efficiency ratio | 70.7106% | 3,691 |
| Assets per employee ($millions) | 3.2044% | 5,467 |
| Cash dividends to net income (ytd only)* | 97.2758% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 5,827 |
| Loan loss allowance to noncurrent loans | 191.2100% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.9739% | 3,825 |
| Noncurrent loans to loans | 0.5225% | 4,961 |
| Net loans and leases to total assets | 63.1669% | 3,071 |
| Net loans and leases to deposits | 70.8805% | 3,603 |
| Net loans and leases to core deposits | 77.6903% | 3,337 |
| Total domestic deposits to total assets | 89.1174% | 1,557 |
| Equity capital to assets | 10.2878% | 3,559 |
| Core capital (leverage) ratio | 9.8108% | 3,778 |
| Tier 1 risk-based capital ratio | 15.2616% | 3,619 |
| Total risk-based capital ratio | 16.2435% | 3,748 |
| Memoranda: | ||
| Average total assets | $266,981,000 | 2,398 |
| Average earning assets | $230,227,670 | 2,538 |
| Average equity | $27,513,670 | 2,451 |
| Average total loans | $163,244,670 | 2,397 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 1,771 |
| Cost of funding earning assets | 0.5601% | 3,471 |
| Net interest margin | 4.0600% | 1,589 |
| Noninterest income to average assets | 0.6645% | 2,793 |
| Noninterest expense to average assets | 3.2480% | 2,208 |
| Loan and lease loss provision to assets | 0.1799% | 2,061 |
| Net operating income to assets | 0.5381% | 4,505 |
| Return on assets (ROA) | 0.5381% | 4,651 |
| Pretax return on assets | 0.7492% | 4,375 |
| Return on Equity (ROE) | 5.2172% | 4,451 |
| Retained earnings to average equity (ytd only) | -4.6263% | 6,337 |
| Net charge-offs to loans | 0.3577% | 1,571 |
| Credit loss provision to net charge-offs | 84.0278% | 2,110 |
| Earnings coverage of net charge-offs (x) | 4.3403% | 2,577 |
| Efficiency ratio | 77.0819% | 2,746 |
| Assets per employee ($millions) | 3.2239% | 5,582 |
| Cash dividends to net income (ytd only)* | 188.6740% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 6,352 |
| Loan loss allowance to noncurrent loans | 52.8824% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 1.6481% | 2,800 |
| Noncurrent loans to loans | 1.6219% | 3,104 |
| Net loans and leases to total assets | 59.4425% | 3,525 |
| Net loans and leases to deposits | 66.6622% | 3,961 |
| Net loans and leases to core deposits | 72.7092% | 3,738 |
| Total domestic deposits to total assets | 89.1697% | 1,585 |
| Equity capital to assets | 10.2820% | 3,819 |
| Core capital (leverage) ratio | 9.6150% | 3,896 |
| Tier 1 risk-based capital ratio | 15.3883% | 3,599 |
| Total risk-based capital ratio | 16.2132% | 3,829 |
| Memoranda: | ||
| Average total assets | $269,092,500 | 2,400 |
| Average earning assets | $232,810,000 | 2,546 |
| Average equity | $27,754,500 | 2,466 |
| Average total loans | $161,041,500 | 2,433 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 1,363 |
| Cost of funding earning assets | 0.7292% | 3,264 |
| Net interest margin | 4.3457% | 1,299 |
| Noninterest income to average assets | 0.6157% | 3,197 |
| Noninterest expense to average assets | 3.1638% | 2,726 |
| Loan and lease loss provision to assets | 0.3189% | 2,143 |
| Net operating income to assets | 0.6366% | 4,054 |
| Return on assets (ROA) | 0.6843% | 4,075 |
| Pretax return on assets | 0.9800% | 3,618 |
| Return on Equity (ROE) | 6.5723% | 3,873 |
| Retained earnings to average equity (ytd only) | 2.6491% | 4,369 |
| Net charge-offs to loans | 0.4050% | 2,635 |
| Credit loss provision to net charge-offs | 130.3216% | 2,148 |
| Earnings coverage of net charge-offs (x) | 5.0291% | 3,170 |
| Efficiency ratio | 71.3372% | 3,557 |
| Assets per employee ($millions) | 3.3000% | 5,420 |
| Cash dividends to net income (ytd only)* | 59.6933% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 6,360 |
| Loan loss allowance to noncurrent loans | 45.7638% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 1.7716% | 2,750 |
| Noncurrent loans to loans | 1.8911% | 2,817 |
| Net loans and leases to total assets | 59.2198% | 3,748 |
| Net loans and leases to deposits | 66.4610% | 4,213 |
| Net loans and leases to core deposits | 72.6112% | 3,961 |
| Total domestic deposits to total assets | 89.1047% | 1,493 |
| Equity capital to assets | 10.3458% | 3,702 |
| Core capital (leverage) ratio | 9.7449% | 3,742 |
| Tier 1 risk-based capital ratio | 15.3691% | 3,502 |
| Total risk-based capital ratio | 16.1970% | 3,702 |
| Memoranda: | ||
| Average total assets | $266,829,600 | 2,373 |
| Average earning assets | $232,020,800 | 2,483 |
| Average equity | $27,783,400 | 2,416 |
| Average total loans | $161,242,800 | 2,406 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1508% | 1,297 |
| Cost of funding earning assets | 0.7667% | 3,224 |
| Net interest margin | 4.3841% | 1,241 |
| Noninterest income to average assets | 0.6083% | 3,221 |
| Noninterest expense to average assets | 3.1421% | 2,748 |
| Loan and lease loss provision to assets | 0.3641% | 1,789 |
| Net operating income to assets | 0.6294% | 4,243 |
| Return on assets (ROA) | 0.6810% | 4,264 |
| Pretax return on assets | 0.9934% | 3,741 |
| Return on Equity (ROE) | 6.5294% | 4,048 |
| Retained earnings to average equity (ytd only) | 3.2118% | 4,607 |
| Net charge-offs to loans | 0.5238% | 2,044 |
| Credit loss provision to net charge-offs | 114.6919% | 2,545 |
| Earnings coverage of net charge-offs (x) | 4.0411% | 3,422 |
| Efficiency ratio | 70.3536% | 3,621 |
| Assets per employee ($millions) | 3.1412% | 5,759 |
| Cash dividends to net income (ytd only)* | 50.8102% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 6,611 |
| Loan loss allowance to noncurrent loans | 127.2370% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 1.0130% | 4,259 |
| Noncurrent loans to loans | 0.6263% | 5,184 |
| Net loans and leases to total assets | 61.7911% | 3,427 |
| Net loans and leases to deposits | 69.7862% | 3,922 |
| Net loans and leases to core deposits | 76.8834% | 3,620 |
| Total domestic deposits to total assets | 88.5435% | 1,699 |
| Equity capital to assets | 10.7968% | 3,505 |
| Core capital (leverage) ratio | 9.8199% | 3,788 |
| Tier 1 risk-based capital ratio | 15.4764% | 3,552 |
| Total risk-based capital ratio | 16.2500% | 3,800 |
| Memoranda: | ||
| Average total assets | $265,886,500 | 2,411 |
| Average earning assets | $231,465,250 | 2,508 |
| Average equity | $27,730,250 | 2,437 |
| Average total loans | $161,141,250 | 2,439 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1211% | 1,451 |
| Cost of funding earning assets | 0.8040% | 3,156 |
| Net interest margin | 4.3171% | 1,437 |
| Noninterest income to average assets | 0.6039% | 3,235 |
| Noninterest expense to average assets | 3.1165% | 2,870 |
| Loan and lease loss provision to assets | 0.3737% | 1,751 |
| Net operating income to assets | 0.5763% | 4,464 |
| Return on assets (ROA) | 0.6487% | 4,372 |
| Pretax return on assets | 0.9932% | 3,732 |
| Return on Equity (ROE) | 6.2920% | 4,165 |
| Retained earnings to average equity (ytd only) | 3.0300% | 4,620 |
| Net charge-offs to loans | 0.4405% | 2,281 |
| Credit loss provision to net charge-offs | 141.2429% | 1,958 |
| Earnings coverage of net charge-offs (x) | 4.7458% | 2,998 |
| Efficiency ratio | 70.6154% | 3,670 |
| Assets per employee ($millions) | 3.2446% | 5,567 |
| Cash dividends to net income (ytd only)* | 51.8433% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8281% | 6,616 |
| Loan loss allowance to noncurrent loans | 75.3777% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.3230% | 3,789 |
| Noncurrent loans to loans | 1.0986% | 4,326 |
| Net loans and leases to total assets | 60.6321% | 3,698 |
| Net loans and leases to deposits | 68.2017% | 4,164 |
| Net loans and leases to core deposits | 75.3965% | 3,829 |
| Total domestic deposits to total assets | 88.9013% | 1,575 |
| Equity capital to assets | 10.4387% | 3,761 |
| Core capital (leverage) ratio | 9.6614% | 3,902 |
| Tier 1 risk-based capital ratio | 15.1864% | 3,641 |
| Total risk-based capital ratio | 15.9850% | 3,904 |
| Memoranda: | ||
| Average total assets | $267,609,670 | 2,389 |
| Average earning assets | $233,582,000 | 2,489 |
| Average equity | $27,590,670 | 2,438 |
| Average total loans | $160,723,670 | 2,456 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0852% | 1,624 |
| Cost of funding earning assets | 0.8586% | 3,002 |
| Net interest margin | 4.2266% | 1,685 |
| Noninterest income to average assets | 0.6096% | 3,166 |
| Noninterest expense to average assets | 3.1224% | 2,843 |
| Loan and lease loss provision to assets | 0.2608% | 2,366 |
| Net operating income to assets | 0.6081% | 4,309 |
| Return on assets (ROA) | 0.6081% | 4,520 |
| Pretax return on assets | 0.9240% | 3,954 |
| Return on Equity (ROE) | 5.9347% | 4,328 |
| Retained earnings to average equity (ytd only) | 3.0255% | 4,739 |
| Net charge-offs to loans | 0.6485% | 1,507 |
| Credit loss provision to net charge-offs | 67.5676% | 2,963 |
| Earnings coverage of net charge-offs (x) | 3.0695% | 2,975 |
| Efficiency ratio | 71.8339% | 3,475 |
| Assets per employee ($millions) | 3.3137% | 5,531 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 6,874 |
| Loan loss allowance to noncurrent loans | 86.1883% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.1677% | 4,179 |
| Noncurrent loans to loans | 0.8113% | 5,053 |
| Net loans and leases to total assets | 58.3782% | 3,976 |
| Net loans and leases to deposits | 65.5002% | 4,433 |
| Net loans and leases to core deposits | 72.1324% | 4,132 |
| Total domestic deposits to total assets | 89.1268% | 1,621 |
| Equity capital to assets | 10.1464% | 3,925 |
| Core capital (leverage) ratio | 9.5495% | 3,981 |
| Tier 1 risk-based capital ratio | 15.1042% | 3,689 |
| Total risk-based capital ratio | 15.7687% | 4,047 |
| Memoranda: | ||
| Average total assets | $268,386,000 | 2,401 |
| Average earning assets | $234,797,000 | 2,491 |
| Average equity | $27,499,500 | 2,431 |
| Average total loans | $159,754,000 | 2,486 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5808% | 993 |
| Cost of funding earning assets | 1.0222% | 3,224 |
| Net interest margin | 4.5585% | 1,001 |
| Noninterest income to average assets | 0.6836% | 2,698 |
| Noninterest expense to average assets | 3.2859% | 2,566 |
| Loan and lease loss provision to assets | 0.2918% | 3,330 |
| Net operating income to assets | 0.7109% | 3,434 |
| Return on assets (ROA) | 0.7385% | 3,470 |
| Pretax return on assets | 1.1201% | 2,764 |
| Return on Equity (ROE) | 7.5500% | 3,125 |
| Retained earnings to average equity (ytd only) | 5.1613% | 2,531 |
| Net charge-offs to loans | 0.5046% | 2,975 |
| Credit loss provision to net charge-offs | 93.8931% | 3,837 |
| Earnings coverage of net charge-offs (x) | 4.4084% | 3,125 |
| Efficiency ratio | 69.9219% | 3,978 |
| Assets per employee ($millions) | 3.2323% | 5,649 |
| Cash dividends to net income (ytd only)* | 31.6381% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7517% | 6,833 |
| Loan loss allowance to noncurrent loans | 67.9683% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.2911% | 4,059 |
| Noncurrent loans to loans | 1.1060% | 4,501 |
| Net loans and leases to total assets | 59.8240% | 4,022 |
| Net loans and leases to deposits | 67.2829% | 4,542 |
| Net loans and leases to core deposits | 73.9856% | 4,243 |
| Total domestic deposits to total assets | 88.9141% | 1,602 |
| Equity capital to assets | 10.3487% | 3,710 |
| Core capital (leverage) ratio | 9.6884% | 3,757 |
| Tier 1 risk-based capital ratio | 15.0277% | 3,621 |
| Total risk-based capital ratio | 15.7451% | 3,956 |
| Memoranda: | ||
| Average total assets | $252,928,200 | 2,491 |
| Average earning assets | $220,399,400 | 2,605 |
| Average equity | $24,741,800 | 2,605 |
| Average total loans | $155,775,200 | 2,557 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6644% | 909 |
| Cost of funding earning assets | 1.0587% | 3,261 |
| Net interest margin | 4.6057% | 930 |
| Noninterest income to average assets | 0.6899% | 2,667 |
| Noninterest expense to average assets | 3.3106% | 2,463 |
| Loan and lease loss provision to assets | 0.2998% | 3,123 |
| Net operating income to assets | 0.7128% | 3,542 |
| Return on assets (ROA) | 0.7502% | 3,542 |
| Pretax return on assets | 1.1444% | 2,839 |
| Return on Equity (ROE) | 7.7882% | 3,143 |
| Retained earnings to average equity (ytd only) | 6.4532% | 2,261 |
| Net charge-offs to loans | 0.5100% | 2,720 |
| Credit loss provision to net charge-offs | 94.9324% | 3,607 |
| Earnings coverage of net charge-offs (x) | 4.3936% | 3,079 |
| Efficiency ratio | 69.8047% | 3,985 |
| Assets per employee ($millions) | 3.0466% | 6,016 |
| Cash dividends to net income (ytd only)* | 17.1411% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7519% | 6,893 |
| Loan loss allowance to noncurrent loans | 58.7187% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.5150% | 3,832 |
| Noncurrent loans to loans | 1.2804% | 4,391 |
| Net loans and leases to total assets | 63.6345% | 3,390 |
| Net loans and leases to deposits | 72.0264% | 3,988 |
| Net loans and leases to core deposits | 79.1960% | 3,748 |
| Total domestic deposits to total assets | 88.3489% | 1,842 |
| Equity capital to assets | 10.8289% | 3,323 |
| Core capital (leverage) ratio | 9.8874% | 3,593 |
| Tier 1 risk-based capital ratio | 14.9320% | 3,702 |
| Total risk-based capital ratio | 15.6593% | 4,012 |
| Memoranda: | ||
| Average total assets | $249,898,000 | 2,532 |
| Average earning assets | $217,494,500 | 2,657 |
| Average equity | $24,070,000 | 2,663 |
| Average total loans | $154,778,000 | 2,594 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6292% | 1,020 |
| Cost of funding earning assets | 1.0903% | 3,315 |
| Net interest margin | 4.5388% | 1,036 |
| Noninterest income to average assets | 0.6918% | 2,601 |
| Noninterest expense to average assets | 3.3418% | 2,424 |
| Loan and lease loss provision to assets | 0.2507% | 3,399 |
| Net operating income to assets | 0.6895% | 3,598 |
| Return on assets (ROA) | 0.6942% | 3,686 |
| Pretax return on assets | 1.0534% | 3,032 |
| Return on Equity (ROE) | 7.5243% | 3,179 |
| Retained earnings to average equity (ytd only) | 6.1222% | 2,346 |
| Net charge-offs to loans | 0.4727% | 2,686 |
| Credit loss provision to net charge-offs | 86.6667% | 3,565 |
| Earnings coverage of net charge-offs (x) | 4.4833% | 2,855 |
| Efficiency ratio | 71.3667% | 3,861 |
| Assets per employee ($millions) | 2.9501% | 6,193 |
| Cash dividends to net income (ytd only)* | 18.6343% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7579% | 6,944 |
| Loan loss allowance to noncurrent loans | 101.1794% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 1.1365% | 4,615 |
| Noncurrent loans to loans | 0.7490% | 5,413 |
| Net loans and leases to total assets | 62.7179% | 3,736 |
| Net loans and leases to deposits | 70.6536% | 4,347 |
| Net loans and leases to core deposits | 78.1352% | 4,038 |
| Total domestic deposits to total assets | 88.7682% | 1,685 |
| Equity capital to assets | 9.4508% | 4,889 |
| Core capital (leverage) ratio | 8.7207% | 5,191 |
| Tier 1 risk-based capital ratio | 13.1420% | 4,809 |
| Total risk-based capital ratio | 13.8745% | 5,210 |
| Memoranda: | ||
| Average total assets | $248,907,670 | 2,565 |
| Average earning assets | $216,444,330 | 2,686 |
| Average equity | $22,965,670 | 2,762 |
| Average total loans | $152,327,000 | 2,654 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4810% | 1,349 |
| Cost of funding earning assets | 1.1192% | 3,386 |
| Net interest margin | 4.3618% | 1,389 |
| Noninterest income to average assets | 0.6678% | 2,741 |
| Noninterest expense to average assets | 3.2599% | 2,677 |
| Loan and lease loss provision to assets | 0.2452% | 3,212 |
| Net operating income to assets | 0.6371% | 3,822 |
| Return on assets (ROA) | 0.6371% | 3,892 |
| Pretax return on assets | 0.9598% | 3,285 |
| Return on Equity (ROE) | 6.9915% | 3,384 |
| Retained earnings to average equity (ytd only) | 5.5755% | 2,865 |
| Net charge-offs to loans | 0.6968% | 1,824 |
| Credit loss provision to net charge-offs | 58.4615% | 3,572 |
| Earnings coverage of net charge-offs (x) | 2.8731% | 2,935 |
| Efficiency ratio | 72.3266% | 3,800 |
| Assets per employee ($millions) | 2.9420% | 6,251 |
| Cash dividends to net income (ytd only)* | 20.2532% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7569% | 6,996 |
| Loan loss allowance to noncurrent loans | 87.9722% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2342% | 4,487 |
| Noncurrent loans to loans | 0.8604% | 5,322 |
| Net loans and leases to total assets | 60.5362% | 4,167 |
| Net loans and leases to deposits | 67.2811% | 4,787 |
| Net loans and leases to core deposits | 74.1766% | 4,522 |
| Total domestic deposits to total assets | 89.9749% | 1,164 |
| Equity capital to assets | 9.2190% | 4,846 |
| Core capital (leverage) ratio | 8.6225% | 5,227 |
| Tier 1 risk-based capital ratio | 13.3674% | 4,529 |
| Total risk-based capital ratio | 14.0889% | 4,926 |
| Memoranda: | ||
| Average total assets | $247,981,000 | 2,585 |
| Average earning assets | $215,872,000 | 2,711 |
| Average equity | $22,599,000 | 2,790 |
| Average total loans | $149,254,000 | 2,723 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7360% | 1,449 |
| Cost of funding earning assets | 1.3877% | 3,348 |
| Net interest margin | 4.3483% | 1,653 |
| Noninterest income to average assets | 0.7431% | 2,574 |
| Noninterest expense to average assets | 3.4372% | 2,336 |
| Loan and lease loss provision to assets | 0.3536% | 4,008 |
| Net operating income to assets | 0.4671% | 4,240 |
| Return on assets (ROA) | 0.5368% | 4,090 |
| Pretax return on assets | 0.8441% | 3,485 |
| Return on Equity (ROE) | 5.7352% | 3,721 |
| Retained earnings to average equity (ytd only) | 2.8364% | 3,863 |
| Net charge-offs to loans | 0.4808% | 3,699 |
| Credit loss provision to net charge-offs | 120.4836% | 3,498 |
| Earnings coverage of net charge-offs (x) | 3.7098% | 3,228 |
| Efficiency ratio | 75.2352% | 3,156 |
| Assets per employee ($millions) | 2.9623% | 6,182 |
| Cash dividends to net income (ytd only)* | 50.5443% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8453% | 6,866 |
| Loan loss allowance to noncurrent loans | 52.9911% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 1.5364% | 4,010 |
| Noncurrent loans to loans | 1.5951% | 4,105 |
| Net loans and leases to total assets | 58.8811% | 4,875 |
| Net loans and leases to deposits | 65.2800% | 5,484 |
| Net loans and leases to core deposits | 71.3441% | 5,290 |
| Total domestic deposits to total assets | 90.1978% | 992 |
| Equity capital to assets | 9.0081% | 5,132 |
| Core capital (leverage) ratio | 8.5260% | 5,308 |
| Tier 1 risk-based capital ratio | 13.2789% | 4,391 |
| Total risk-based capital ratio | 14.0760% | 4,717 |
| Memoranda: | ||
| Average total assets | $239,552,400 | 2,643 |
| Average earning assets | $208,403,400 | 2,772 |
| Average equity | $22,422,800 | 2,827 |
| Average total loans | $146,225,600 | 2,835 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7794% | 1,457 |
| Cost of funding earning assets | 1.4332% | 3,376 |
| Net interest margin | 4.3461% | 1,689 |
| Noninterest income to average assets | 0.7812% | 2,316 |
| Noninterest expense to average assets | 3.5171% | 2,001 |
| Loan and lease loss provision to assets | 0.3631% | 3,718 |
| Net operating income to assets | 0.4806% | 4,399 |
| Return on assets (ROA) | 0.5620% | 4,210 |
| Pretax return on assets | 0.8026% | 3,894 |
| Return on Equity (ROE) | 5.9457% | 3,841 |
| Retained earnings to average equity (ytd only) | 3.3533% | 4,088 |
| Net charge-offs to loans | 0.5824% | 2,989 |
| Credit loss provision to net charge-offs | 101.4129% | 4,252 |
| Earnings coverage of net charge-offs (x) | 2.9309% | 3,669 |
| Efficiency ratio | 76.3077% | 2,886 |
| Assets per employee ($millions) | 2.8336% | 6,526 |
| Cash dividends to net income (ytd only)* | 43.6001% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 7,103 |
| Loan loss allowance to noncurrent loans | 58.6007% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.3469% | 4,472 |
| Noncurrent loans to loans | 1.2840% | 4,713 |
| Net loans and leases to total assets | 61.7340% | 4,587 |
| Net loans and leases to deposits | 69.1113% | 5,257 |
| Net loans and leases to core deposits | 75.3214% | 5,143 |
| Total domestic deposits to total assets | 89.3255% | 1,215 |
| Equity capital to assets | 9.6477% | 4,623 |
| Core capital (leverage) ratio | 8.8139% | 4,979 |
| Tier 1 risk-based capital ratio | 13.4168% | 4,254 |
| Total risk-based capital ratio | 14.1384% | 4,647 |
| Memoranda: | ||
| Average total assets | $237,232,500 | 2,701 |
| Average earning assets | $206,614,750 | 2,825 |
| Average equity | $22,424,750 | 2,873 |
| Average total loans | $145,841,000 | 2,878 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7317% | 1,645 |
| Cost of funding earning assets | 1.4689% | 3,436 |
| Net interest margin | 4.2628% | 1,911 |
| Noninterest income to average assets | 0.7993% | 2,116 |
| Noninterest expense to average assets | 3.5701% | 1,856 |
| Loan and lease loss provision to assets | 0.3798% | 3,436 |
| Net operating income to assets | 0.4534% | 4,541 |
| Return on assets (ROA) | 0.5967% | 4,029 |
| Pretax return on assets | 0.7275% | 4,146 |
| Return on Equity (ROE) | 6.3565% | 3,619 |
| Retained earnings to average equity (ytd only) | 3.1648% | 4,097 |
| Net charge-offs to loans | 0.4714% | 3,120 |
| Credit loss provision to net charge-offs | 131.5789% | 3,059 |
| Earnings coverage of net charge-offs (x) | 3.2310% | 3,399 |
| Efficiency ratio | 78.5567% | 2,648 |
| Assets per employee ($millions) | 2.8327% | 6,500 |
| Cash dividends to net income (ytd only)* | 50.2122% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 6,977 |
| Loan loss allowance to noncurrent loans | 49.7743% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 1.3154% | 4,514 |
| Noncurrent loans to loans | 1.6563% | 4,218 |
| Net loans and leases to total assets | 61.3269% | 4,814 |
| Net loans and leases to deposits | 68.5110% | 5,490 |
| Net loans and leases to core deposits | 75.5294% | 5,247 |
| Total domestic deposits to total assets | 89.5140% | 1,171 |
| Equity capital to assets | 9.5148% | 4,684 |
| Core capital (leverage) ratio | 8.7297% | 5,034 |
| Tier 1 risk-based capital ratio | 13.3406% | 4,175 |
| Total risk-based capital ratio | 14.1307% | 4,496 |
| Memoranda: | ||
| Average total assets | $236,968,000 | 2,732 |
| Average earning assets | $205,873,670 | 2,858 |
| Average equity | $22,245,000 | 2,890 |
| Average total loans | $145,102,330 | 2,921 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7033% | 1,764 |
| Cost of funding earning assets | 1.5048% | 3,523 |
| Net interest margin | 4.1985% | 2,047 |
| Noninterest income to average assets | 0.9286% | 1,517 |
| Noninterest expense to average assets | 3.7213% | 1,476 |
| Loan and lease loss provision to assets | 0.5074% | 2,463 |
| Net operating income to assets | 0.3185% | 5,214 |
| Return on assets (ROA) | 0.6157% | 3,971 |
| Pretax return on assets | 0.6664% | 4,351 |
| Return on Equity (ROE) | 6.6039% | 3,571 |
| Retained earnings to average equity (ytd only) | 1.6147% | 5,133 |
| Net charge-offs to loans | 0.1333% | 4,155 |
| Credit loss provision to net charge-offs | 625.0000% | 695 |
| Earnings coverage of net charge-offs (x) | 10.4792% | 1,736 |
| Efficiency ratio | 80.6881% | 2,457 |
| Assets per employee ($millions) | 2.8708% | 6,496 |
| Cash dividends to net income (ytd only)* | 75.5495% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 6,667 |
| Loan loss allowance to noncurrent loans | 67.3449% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.1717% | 4,832 |
| Noncurrent loans to loans | 1.4111% | 4,619 |
| Net loans and leases to total assets | 59.3566% | 5,227 |
| Net loans and leases to deposits | 66.1044% | 5,810 |
| Net loans and leases to core deposits | 72.1747% | 5,694 |
| Total domestic deposits to total assets | 89.7923% | 1,088 |
| Equity capital to assets | 9.2496% | 4,917 |
| Core capital (leverage) ratio | 8.6920% | 5,032 |
| Tier 1 risk-based capital ratio | 13.2863% | 4,136 |
| Total risk-based capital ratio | 14.1788% | 4,362 |
| Memoranda: | ||
| Average total assets | $236,479,000 | 2,799 |
| Average earning assets | $205,216,000 | 2,926 |
| Average equity | $22,047,500 | 2,940 |
| Average total loans | $144,084,500 | 3,000 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2339% | 1,156 |
| Cost of funding earning assets | 1.8881% | 3,527 |
| Net interest margin | 4.3458% | 1,588 |
| Noninterest income to average assets | 0.6998% | 2,983 |
| Noninterest expense to average assets | 3.4935% | 2,390 |
| Loan and lease loss provision to assets | 0.3859% | 4,477 |
| Net operating income to assets | 0.3974% | 4,142 |
| Return on assets (ROA) | 0.4609% | 4,006 |
| Pretax return on assets | 0.6928% | 3,599 |
| Return on Equity (ROE) | 4.8212% | 3,752 |
| Retained earnings to average equity (ytd only) | 0.5826% | 4,577 |
| Net charge-offs to loans | 0.5104% | 3,739 |
| Credit loss provision to net charge-offs | 121.2121% | 4,394 |
| Earnings coverage of net charge-offs (x) | 3.0909% | 3,520 |
| Efficiency ratio | 77.2696% | 3,313 |
| Assets per employee ($millions) | 2.8973% | 6,460 |
| Cash dividends to net income (ytd only)* | 87.9163% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 7,229 |
| Loan loss allowance to noncurrent loans | 130.1531% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 5,541 |
| Noncurrent loans to loans | 0.5840% | 6,075 |
| Net loans and leases to total assets | 61.4766% | 5,112 |
| Net loans and leases to deposits | 68.9525% | 5,732 |
| Net loans and leases to core deposits | 91.7399% | 4,922 |
| Total domestic deposits to total assets | 89.1579% | 1,407 |
| Equity capital to assets | 9.3980% | 4,561 |
| Core capital (leverage) ratio | 8.8849% | 4,616 |
| Tier 1 risk-based capital ratio | 13.1484% | 4,046 |
| Total risk-based capital ratio | 13.8716% | 4,365 |
| Memoranda: | ||
| Average total assets | $228,050,600 | 2,844 |
| Average earning assets | $198,237,800 | 2,992 |
| Average equity | $21,799,400 | 2,970 |
| Average total loans | $142,232,600 | 3,046 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2848% | 1,170 |
| Cost of funding earning assets | 1.9665% | 3,536 |
| Net interest margin | 4.3182% | 1,683 |
| Noninterest income to average assets | 0.6979% | 3,027 |
| Noninterest expense to average assets | 3.5112% | 2,253 |
| Loan and lease loss provision to assets | 0.3239% | 4,394 |
| Net operating income to assets | 0.4253% | 4,300 |
| Return on assets (ROA) | 0.5118% | 4,020 |
| Pretax return on assets | 0.7532% | 3,691 |
| Return on Equity (ROE) | 5.3306% | 3,820 |
| Retained earnings to average equity (ytd only) | 0.1595% | 5,134 |
| Net charge-offs to loans | 0.2668% | 4,375 |
| Credit loss provision to net charge-offs | 194.3463% | 2,320 |
| Earnings coverage of net charge-offs (x) | 5.6997% | 2,752 |
| Efficiency ratio | 77.9406% | 3,176 |
| Assets per employee ($millions) | 2.7927% | 6,657 |
| Cash dividends to net income (ytd only)* | 97.0077% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8253% | 7,042 |
| Loan loss allowance to noncurrent loans | 98.7034% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 5,263 |
| Noncurrent loans to loans | 0.8361% | 5,624 |
| Net loans and leases to total assets | 63.9166% | 4,887 |
| Net loans and leases to deposits | 72.6883% | 5,553 |
| Net loans and leases to core deposits | 97.8900% | 4,617 |
| Total domestic deposits to total assets | 87.9325% | 1,690 |
| Equity capital to assets | 9.6283% | 4,586 |
| Core capital (leverage) ratio | 8.9072% | 4,798 |
| Tier 1 risk-based capital ratio | 13.0634% | 4,145 |
| Total risk-based capital ratio | 13.8601% | 4,414 |
| Memoranda: | ||
| Average total assets | $226,393,750 | 2,880 |
| Average earning assets | $197,298,000 | 3,021 |
| Average equity | $21,735,500 | 3,008 |
| Average total loans | $141,446,500 | 3,091 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2942% | 1,218 |
| Cost of funding earning assets | 2.0699% | 3,421 |
| Net interest margin | 4.2243% | 1,900 |
| Noninterest income to average assets | 0.6651% | 3,233 |
| Noninterest expense to average assets | 3.5127% | 2,298 |
| Loan and lease loss provision to assets | 0.2199% | 4,841 |
| Net operating income to assets | 0.4328% | 4,364 |
| Return on assets (ROA) | 0.4328% | 4,480 |
| Pretax return on assets | 0.6101% | 4,295 |
| Return on Equity (ROE) | 4.5120% | 4,297 |
| Retained earnings to average equity (ytd only) | -2.5334% | 5,875 |
| Net charge-offs to loans | 0.3659% | 3,356 |
| Credit loss provision to net charge-offs | 97.2549% | 4,697 |
| Earnings coverage of net charge-offs (x) | 3.6706% | 3,349 |
| Efficiency ratio | 80.0899% | 3,029 |
| Assets per employee ($millions) | 2.7938% | 6,640 |
| Cash dividends to net income (ytd only)* | 156.1475% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6615% | 7,515 |
| Loan loss allowance to noncurrent loans | 102.3861% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 5,597 |
| Noncurrent loans to loans | 0.6461% | 5,959 |
| Net loans and leases to total assets | 61.8822% | 5,378 |
| Net loans and leases to deposits | 69.4953% | 6,043 |
| Net loans and leases to core deposits | 94.7996% | 5,026 |
| Total domestic deposits to total assets | 89.0452% | 1,243 |
| Equity capital to assets | 9.4454% | 4,682 |
| Core capital (leverage) ratio | 8.7230% | 5,054 |
| Tier 1 risk-based capital ratio | 13.0774% | 4,086 |
| Total risk-based capital ratio | 13.7056% | 4,479 |
| Memoranda: | ||
| Average total assets | $225,524,000 | 2,910 |
| Average earning assets | $196,338,000 | 3,052 |
| Average equity | $21,631,000 | 3,018 |
| Average total loans | $139,399,000 | 3,152 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3307% | 1,218 |
| Cost of funding earning assets | 2.1852% | 3,238 |
| Net interest margin | 4.1455% | 2,105 |
| Noninterest income to average assets | 0.6418% | 3,258 |
| Noninterest expense to average assets | 3.3325% | 2,558 |
| Loan and lease loss provision to assets | 0.1305% | 5,289 |
| Net operating income to assets | 0.5560% | 4,197 |
| Return on assets (ROA) | 0.5560% | 4,381 |
| Pretax return on assets | 0.7705% | 4,186 |
| Return on Equity (ROE) | 5.7521% | 4,143 |
| Retained earnings to average equity (ytd only) | -6.8433% | 6,777 |
| Net charge-offs to loans | 0.1278% | 3,943 |
| Credit loss provision to net charge-offs | 165.9091% | 2,581 |
| Earnings coverage of net charge-offs (x) | 11.4545% | 1,871 |
| Efficiency ratio | 77.9139% | 3,178 |
| Assets per employee ($millions) | 2.7534% | 6,762 |
| Cash dividends to net income (ytd only)* | 218.9711% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7172% | 7,392 |
| Loan loss allowance to noncurrent loans | 553.6723% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 6,178 |
| Noncurrent loans to loans | 0.1295% | 7,148 |
| Net loans and leases to total assets | 60.0897% | 5,635 |
| Net loans and leases to deposits | 67.6385% | 6,217 |
| Net loans and leases to core deposits | 92.2674% | 5,322 |
| Total domestic deposits to total assets | 88.8395% | 1,311 |
| Equity capital to assets | 9.5598% | 4,589 |
| Core capital (leverage) ratio | 8.8400% | 4,923 |
| Tier 1 risk-based capital ratio | 13.4163% | 3,920 |
| Total risk-based capital ratio | 14.0893% | 4,217 |
| Memoranda: | ||
| Average total assets | $223,738,500 | 2,948 |
| Average earning assets | $193,849,000 | 3,098 |
| Average equity | $21,627,000 | 3,024 |
| Average total loans | $137,742,000 | 3,213 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9574% | 1,244 |
| Cost of funding earning assets | 2.5840% | 3,772 |
| Net interest margin | 4.3734% | 1,761 |
| Noninterest income to average assets | 0.8177% | 2,415 |
| Noninterest expense to average assets | 3.3585% | 2,802 |
| Loan and lease loss provision to assets | 0.1510% | 5,435 |
| Net operating income to assets | 0.8193% | 3,353 |
| Return on assets (ROA) | 0.8300% | 3,146 |
| Pretax return on assets | 1.1336% | 2,903 |
| Return on Equity (ROE) | 8.1837% | 2,990 |
| Retained earnings to average equity (ytd only) | -7.4694% | 6,829 |
| Net charge-offs to loans | 0.3492% | 3,083 |
| Credit loss provision to net charge-offs | 68.4549% | 6,095 |
| Earnings coverage of net charge-offs (x) | 5.7554% | 3,546 |
| Efficiency ratio | 72.5627% | 3,834 |
| Assets per employee ($millions) | 2.6393% | 6,922 |
| Cash dividends to net income (ytd only)* | 191.2721% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6850% | 7,467 |
| Loan loss allowance to noncurrent loans | 132.0833% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 4,995 |
| Noncurrent loans to loans | 0.5186% | 5,796 |
| Net loans and leases to total assets | 62.1941% | 5,595 |
| Net loans and leases to deposits | 70.2038% | 6,252 |
| Net loans and leases to core deposits | 93.2833% | 5,520 |
| Total domestic deposits to total assets | 88.5908% | 1,208 |
| Equity capital to assets | 9.7746% | 4,324 |
| Core capital (leverage) ratio | 10.6299% | 2,879 |
| Tier 1 risk-based capital ratio | 13.3124% | 3,925 |
| Total risk-based capital ratio | 13.9490% | 4,208 |
| Memoranda: | ||
| Average total assets | $211,193,800 | 2,995 |
| Average earning assets | $184,020,200 | 3,136 |
| Average equity | $21,420,600 | 3,048 |
| Average total loans | $133,434,000 | 3,208 |