Home > Catskill Hudson Bank > Performance and Condition Ratios
Catskill Hudson Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3446% | 3,363 |
| Cost of funding earning assets | 1.6276% | 1,615 |
| Net interest margin | 2.7170% | 3,799 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.5913% | 2,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0941% | 4,258 |
| Return on assets (ROA) | 0.0941% | 4,282 |
| Pretax return on assets | 0.1025% | 4,279 |
| Return on Equity (ROE) | 1.3400% | 4,228 |
| Retained earnings to average equity (ytd only) | -1.0574% | 4,193 |
| Net charge-offs to loans | 0.0102% | 2,268 |
| Credit loss provision to net charge-offs | -179.5455% | 4,499 |
| Earnings coverage of net charge-offs (x) | 13.3182% | 2,112 |
| Efficiency ratio | 96.2271% | 255 |
| Assets per employee ($millions) | 6.8950% | 2,143 |
| Cash dividends to net income (ytd only)* | 178.6372% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4961% | 4,339 |
| Loan loss allowance to noncurrent loans | 313.4286% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 2,727 |
| Noncurrent loans to loans | 0.1583% | 2,729 |
| Net loans and leases to total assets | 76.9000% | 988 |
| Net loans and leases to deposits | 83.3213% | 1,829 |
| Net loans and leases to core deposits | 90.1819% | 2,039 |
| Total domestic deposits to total assets | 92.2900% | 266 |
| Equity capital to assets | 7.1173% | 3,895 |
| Core capital (leverage) ratio | 7.3871% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6624% | 2,669 |
| Memoranda: | ||
| Average total assets | $576,770,600 | 1,533 |
| Average earning assets | $543,200,200 | 1,513 |
| Average equity | $40,381,200 | 1,876 |
| Average total loans | $431,865,200 | 1,389 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 152,149.0000% | 9 |
| Cost of funding earning assets | -30.0000% | 4,637 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0057% | 4,550 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.1260% | 4,314 |
| Pretax return on assets | 0.1428% | 4,310 |
| Return on Equity (ROE) | 1.8100% | 4,223 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0002% | 2,658 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.6505% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0577% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 11.0000% | 5 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 61,437.0000% | 2 |
| Equity capital to assets | 52,810.0000% | 8 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $31,023,000 | 4,480 |
| Average earning assets | $1,274 | 4,616 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 3,101 |
| Cost of funding earning assets | 1.2808% | 1,762 |
| Net interest margin | 3.0186% | 3,382 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.6145% | 1,886 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.2849% | 4,177 |
| Return on assets (ROA) | 0.2849% | 4,206 |
| Pretax return on assets | 0.3446% | 4,186 |
| Return on Equity (ROE) | 4.0200% | 4,026 |
| Retained earnings to average equity (ytd only) | 1.9828% | 3,729 |
| Net charge-offs to loans | -0.0784% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.6692% | 400 |
| Assets per employee ($millions) | 6.0931% | 2,631 |
| Cash dividends to net income (ytd only)* | 50.7353% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5608% | 4,335 |
| Loan loss allowance to noncurrent loans | 250.1529% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 2,312 |
| Noncurrent loans to loans | 0.2242% | 2,367 |
| Net loans and leases to total assets | 78.4800% | 785 |
| Net loans and leases to deposits | 85.2653% | 1,567 |
| Net loans and leases to core deposits | 93.9694% | 1,568 |
| Total domestic deposits to total assets | 92.0400% | 404 |
| Equity capital to assets | 7.3499% | 3,607 |
| Core capital (leverage) ratio | 7.7721% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1807% | 2,579 |
| Memoranda: | ||
| Average total assets | $572,871,667 | 1,549 |
| Average earning assets | $536,083,667 | 1,540 |
| Average equity | $40,549,000 | 1,859 |
| Average total loans | $426,071,000 | 1,384 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 3,027 |
| Cost of funding earning assets | 1.0536% | 1,875 |
| Net interest margin | 3.1519% | 3,229 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.6423% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3422% | 4,183 |
| Return on assets (ROA) | 0.3422% | 4,136 |
| Pretax return on assets | 0.4089% | 4,121 |
| Return on Equity (ROE) | 4.9200% | 3,906 |
| Retained earnings to average equity (ytd only) | 1.3252% | 3,819 |
| Net charge-offs to loans | -0.0381% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.5991% | 485 |
| Assets per employee ($millions) | 6.5290% | 2,319 |
| Cash dividends to net income (ytd only)* | 73.0924% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5533% | 4,404 |
| Loan loss allowance to noncurrent loans | 238.0808% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 2,327 |
| Noncurrent loans to loans | 0.2324% | 2,342 |
| Net loans and leases to total assets | 72.1000% | 1,416 |
| Net loans and leases to deposits | 78.0294% | 1,970 |
| Net loans and leases to core deposits | 86.3003% | 1,847 |
| Total domestic deposits to total assets | 92.4000% | 422 |
| Equity capital to assets | 6.9555% | 3,851 |
| Core capital (leverage) ratio | 7.5408% | 4,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3888% | 2,607 |
| Memoranda: | ||
| Average total assets | $582,073,000 | 1,543 |
| Average earning assets | $540,999,000 | 1,535 |
| Average equity | $40,447,000 | 1,881 |
| Average total loans | $420,299,500 | 1,417 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4906% | 3,098 |
| Cost of funding earning assets | 0.3365% | 2,581 |
| Net interest margin | 3.1541% | 3,007 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.4913% | 2,147 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.3540% | 4,304 |
| Return on assets (ROA) | 0.3540% | 4,269 |
| Pretax return on assets | 0.4298% | 4,249 |
| Return on Equity (ROE) | 5.0900% | 4,005 |
| Retained earnings to average equity (ytd only) | 3.9648% | 3,409 |
| Net charge-offs to loans | 0.2135% | 383 |
| Credit loss provision to net charge-offs | 58.2353% | 1,788 |
| Earnings coverage of net charge-offs (x) | 3.5200% | 2,461 |
| Efficiency ratio | 82.8706% | 550 |
| Assets per employee ($millions) | 6.4060% | 2,411 |
| Cash dividends to net income (ytd only)* | 22.1196% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5589% | 4,387 |
| Loan loss allowance to noncurrent loans | 156.8720% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 1,879 |
| Noncurrent loans to loans | 0.3563% | 1,868 |
| Net loans and leases to total assets | 71.5100% | 1,470 |
| Net loans and leases to deposits | 77.7961% | 1,968 |
| Net loans and leases to core deposits | 83.6735% | 1,892 |
| Total domestic deposits to total assets | 91.9200% | 663 |
| Equity capital to assets | 6.9419% | 3,701 |
| Core capital (leverage) ratio | 7.3632% | 4,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7679% | 2,461 |
| Memoranda: | ||
| Average total assets | $581,020,200 | 1,537 |
| Average earning assets | $524,835,200 | 1,569 |
| Average equity | $40,405,200 | 1,905 |
| Average total loans | $398,190,400 | 1,397 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2607% | 3,286 |
| Cost of funding earning assets | 0.2258% | 2,979 |
| Net interest margin | 3.0348% | 3,128 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.4720% | 2,094 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.3261% | 4,346 |
| Return on assets (ROA) | 0.3261% | 4,300 |
| Pretax return on assets | 0.3834% | 4,284 |
| Return on Equity (ROE) | 4.6900% | 4,036 |
| Retained earnings to average equity (ytd only) | 3.5686% | 3,595 |
| Net charge-offs to loans | -0.0030% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.0549% | 459 |
| Assets per employee ($millions) | 6.6982% | 2,165 |
| Cash dividends to net income (ytd only)* | 23.8764% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 4,263 |
| Loan loss allowance to noncurrent loans | 116.9283% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 1,375 |
| Noncurrent loans to loans | 0.5920% | 1,362 |
| Net loans and leases to total assets | 66.3300% | 1,856 |
| Net loans and leases to deposits | 71.0761% | 2,279 |
| Net loans and leases to core deposits | 75.8623% | 2,202 |
| Total domestic deposits to total assets | 93.3200% | 493 |
| Equity capital to assets | 6.5355% | 3,723 |
| Core capital (leverage) ratio | 7.8969% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0824% | 2,437 |
| Memoranda: | ||
| Average total assets | $582,140,500 | 1,536 |
| Average earning assets | $520,699,500 | 1,589 |
| Average equity | $40,500,750 | 1,928 |
| Average total loans | $394,093,250 | 1,401 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0853% | 3,340 |
| Cost of funding earning assets | 0.2097% | 2,784 |
| Net interest margin | 2.8756% | 3,233 |
| Noninterest income to average assets | 0.1403% | 4,316 |
| Noninterest expense to average assets | 2.4652% | 2,040 |
| Loan and lease loss provision to assets | 0.0260% | 2,135 |
| Net operating income to assets | 0.2071% | 4,408 |
| Return on assets (ROA) | 0.2071% | 4,368 |
| Pretax return on assets | 0.2417% | 4,357 |
| Return on Equity (ROE) | 2.9161% | 4,224 |
| Retained earnings to average equity (ytd only) | 2.7942% | 3,511 |
| Net charge-offs to loans | -0.0041% | 3,279 |
| Credit loss provision to net charge-offs | -937.5000% | 3,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2040% | 396 |
| Assets per employee ($millions) | 6.2223% | 2,549 |
| Cash dividends to net income (ytd only)* | 4.1806% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6887% | 4,348 |
| Loan loss allowance to noncurrent loans | 218.3043% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 2,200 |
| Noncurrent loans to loans | 0.3155% | 2,213 |
| Net loans and leases to total assets | 70.1578% | 1,288 |
| Net loans and leases to deposits | 75.5892% | 1,718 |
| Net loans and leases to core deposits | 80.0710% | 1,710 |
| Total domestic deposits to total assets | 92.8146% | 560 |
| Equity capital to assets | 7.0825% | 3,722 |
| Core capital (leverage) ratio | 7.4835% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5189% | 2,667 |
| Memoranda: | ||
| Average total assets | $577,472,667 | 1,552 |
| Average earning assets | $520,656,333 | 1,607 |
| Average equity | $41,014,000 | 1,958 |
| Average total loans | $392,734,000 | 1,400 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9761% | 3,320 |
| Cost of funding earning assets | 0.2124% | 2,634 |
| Net interest margin | 2.7637% | 3,242 |
| Noninterest income to average assets | 0.1338% | 4,345 |
| Noninterest expense to average assets | 2.3948% | 2,188 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1825% | 4,353 |
| Return on assets (ROA) | 0.1825% | 4,323 |
| Pretax return on assets | 0.2202% | 4,302 |
| Return on Equity (ROE) | 2.5657% | 4,170 |
| Retained earnings to average equity (ytd only) | 2.5657% | 3,393 |
| Net charge-offs to loans | -0.0082% | 3,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5792% | 481 |
| Assets per employee ($millions) | 6.5959% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6786% | 4,423 |
| Loan loss allowance to noncurrent loans | 210.6918% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 2,344 |
| Noncurrent loans to loans | 0.3221% | 2,315 |
| Net loans and leases to total assets | 66.8229% | 1,326 |
| Net loans and leases to deposits | 71.9023% | 1,785 |
| Net loans and leases to core deposits | 75.4963% | 1,809 |
| Total domestic deposits to total assets | 92.9357% | 287 |
| Equity capital to assets | 6.9234% | 4,244 |
| Core capital (leverage) ratio | 7.2876% | 4,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4320% | 2,794 |
| Memoranda: | ||
| Average total assets | $583,094,500 | 1,549 |
| Average earning assets | $523,504,000 | 1,605 |
| Average equity | $41,469,500 | 1,992 |
| Average total loans | $389,096,500 | 1,400 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0242% | 3,829 |
| Cost of funding earning assets | 0.2765% | 2,634 |
| Net interest margin | 2.7477% | 3,786 |
| Noninterest income to average assets | 0.3747% | 3,191 |
| Noninterest expense to average assets | 2.2507% | 2,949 |
| Loan and lease loss provision to assets | 0.0588% | 1,882 |
| Net operating income to assets | 0.4366% | 4,209 |
| Return on assets (ROA) | 0.4366% | 4,253 |
| Pretax return on assets | 0.5280% | 4,214 |
| Return on Equity (ROE) | 6.1772% | 3,732 |
| Retained earnings to average equity (ytd only) | 4.3799% | 3,061 |
| Net charge-offs to loans | -0.0437% | 4,265 |
| Credit loss provision to net charge-offs | -207.3620% | 3,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3192% | 852 |
| Assets per employee ($millions) | 6.3639% | 2,440 |
| Cash dividends to net income (ytd only)* | 29.0953% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6972% | 4,422 |
| Loan loss allowance to noncurrent loans | 209.7331% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 2,460 |
| Noncurrent loans to loans | 0.3324% | 2,394 |
| Net loans and leases to total assets | 65.7149% | 1,506 |
| Net loans and leases to deposits | 71.0227% | 2,018 |
| Net loans and leases to core deposits | 74.5718% | 2,030 |
| Total domestic deposits to total assets | 92.5266% | 86 |
| Equity capital to assets | 7.3374% | 4,646 |
| Core capital (leverage) ratio | 6.9822% | 4,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2884% | 2,822 |
| Memoranda: | ||
| Average total assets | $574,632,000 | 1,501 |
| Average earning assets | $515,053,800 | 1,559 |
| Average equity | $40,617,200 | 2,065 |
| Average total loans | $373,062,800 | 1,447 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0355% | 3,938 |
| Cost of funding earning assets | 0.2905% | 2,683 |
| Net interest margin | 2.7450% | 3,890 |
| Noninterest income to average assets | 0.1544% | 4,425 |
| Noninterest expense to average assets | 2.2204% | 3,006 |
| Loan and lease loss provision to assets | 0.0460% | 2,077 |
| Net operating income to assets | 0.2820% | 4,544 |
| Return on assets (ROA) | 0.2820% | 4,567 |
| Pretax return on assets | 0.3415% | 4,556 |
| Return on Equity (ROE) | 4.0283% | 4,297 |
| Retained earnings to average equity (ytd only) | 1.6040% | 4,292 |
| Net charge-offs to loans | -0.0230% | 4,018 |
| Credit loss provision to net charge-offs | -309.3750% | 3,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1400% | 470 |
| Assets per employee ($millions) | 6.8477% | 1,983 |
| Cash dividends to net income (ytd only)* | 60.1814% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6372% | 4,586 |
| Loan loss allowance to noncurrent loans | 188.8975% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 2,700 |
| Noncurrent loans to loans | 0.3373% | 2,575 |
| Net loans and leases to total assets | 63.6877% | 1,809 |
| Net loans and leases to deposits | 68.4401% | 2,400 |
| Net loans and leases to core deposits | 71.8189% | 2,439 |
| Total domestic deposits to total assets | 93.0561% | 31 |
| Equity capital to assets | 6.7580% | 4,848 |
| Core capital (leverage) ratio | 7.0758% | 4,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8823% | 2,990 |
| Memoranda: | ||
| Average total assets | $573,510,750 | 1,525 |
| Average earning assets | $512,637,250 | 1,579 |
| Average equity | $40,148,500 | 2,105 |
| Average total loans | $370,519,000 | 1,483 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1175% | 3,826 |
| Cost of funding earning assets | 0.3194% | 2,590 |
| Net interest margin | 2.7980% | 3,788 |
| Noninterest income to average assets | 0.1583% | 4,405 |
| Noninterest expense to average assets | 2.2293% | 2,985 |
| Loan and lease loss provision to assets | 0.0523% | 1,987 |
| Net operating income to assets | 0.3003% | 4,525 |
| Return on assets (ROA) | 0.3003% | 4,547 |
| Pretax return on assets | 0.3678% | 4,532 |
| Return on Equity (ROE) | 4.2382% | 4,289 |
| Retained earnings to average equity (ytd only) | 1.8449% | 4,153 |
| Net charge-offs to loans | -0.0322% | 4,183 |
| Credit loss provision to net charge-offs | -250.8475% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1446% | 538 |
| Assets per employee ($millions) | 6.5307% | 2,139 |
| Cash dividends to net income (ytd only)* | 56.4706% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6356% | 4,617 |
| Loan loss allowance to noncurrent loans | 172.0695% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 2,685 |
| Noncurrent loans to loans | 0.3694% | 2,574 |
| Net loans and leases to total assets | 66.9650% | 1,587 |
| Net loans and leases to deposits | 72.3241% | 2,176 |
| Net loans and leases to core deposits | 76.3161% | 2,208 |
| Total domestic deposits to total assets | 92.5903% | 62 |
| Equity capital to assets | 7.2445% | 4,794 |
| Core capital (leverage) ratio | 7.0135% | 4,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8524% | 2,985 |
| Memoranda: | ||
| Average total assets | $566,098,000 | 1,534 |
| Average earning assets | $503,998,000 | 1,596 |
| Average equity | $40,111,000 | 2,100 |
| Average total loans | $366,741,333 | 1,497 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2062% | 3,677 |
| Cost of funding earning assets | 0.3590% | 2,453 |
| Net interest margin | 2.8472% | 3,647 |
| Noninterest income to average assets | 0.1603% | 4,396 |
| Noninterest expense to average assets | 2.2324% | 3,003 |
| Loan and lease loss provision to assets | 0.0511% | 2,083 |
| Net operating income to assets | 0.2596% | 4,577 |
| Return on assets (ROA) | 0.2596% | 4,601 |
| Pretax return on assets | 0.3576% | 4,544 |
| Return on Equity (ROE) | 3.7045% | 4,346 |
| Retained earnings to average equity (ytd only) | 1.2082% | 4,178 |
| Net charge-offs to loans | 0.1344% | 558 |
| Credit loss provision to net charge-offs | 59.8361% | 1,276 |
| Earnings coverage of net charge-offs (x) | 4.7869% | 1,708 |
| Efficiency ratio | 84.5257% | 570 |
| Assets per employee ($millions) | 6.6463% | 2,060 |
| Cash dividends to net income (ytd only)* | 67.3854% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5835% | 4,699 |
| Loan loss allowance to noncurrent loans | 151.2473% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 2,904 |
| Noncurrent loans to loans | 0.3858% | 2,713 |
| Net loans and leases to total assets | 63.2571% | 2,143 |
| Net loans and leases to deposits | 68.1514% | 2,688 |
| Net loans and leases to core deposits | 71.6634% | 2,729 |
| Total domestic deposits to total assets | 92.8185% | 44 |
| Equity capital to assets | 7.0029% | 4,845 |
| Core capital (leverage) ratio | 6.8984% | 4,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3788% | 3,028 |
| Memoranda: | ||
| Average total assets | $571,592,500 | 1,510 |
| Average earning assets | $498,039,000 | 1,592 |
| Average equity | $40,059,000 | 2,085 |
| Average total loans | $363,058,500 | 1,514 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 3,897 |
| Cost of funding earning assets | 0.6363% | 2,078 |
| Net interest margin | 2.9266% | 4,060 |
| Noninterest income to average assets | 0.2494% | 3,994 |
| Noninterest expense to average assets | 2.2561% | 3,521 |
| Loan and lease loss provision to assets | 0.1240% | 2,812 |
| Net operating income to assets | 0.2741% | 4,473 |
| Return on assets (ROA) | 0.3400% | 4,439 |
| Pretax return on assets | 0.4056% | 4,411 |
| Return on Equity (ROE) | 4.6654% | 3,990 |
| Retained earnings to average equity (ytd only) | 2.1007% | 3,784 |
| Net charge-offs to loans | 0.2068% | 841 |
| Credit loss provision to net charge-offs | 94.8034% | 2,892 |
| Earnings coverage of net charge-offs (x) | 3.4480% | 3,084 |
| Efficiency ratio | 83.3356% | 679 |
| Assets per employee ($millions) | 6.8048% | 1,705 |
| Cash dividends to net income (ytd only)* | 54.9730% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 4,714 |
| Loan loss allowance to noncurrent loans | 141.3411% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 2,960 |
| Noncurrent loans to loans | 0.4238% | 2,709 |
| Net loans and leases to total assets | 63.0259% | 2,486 |
| Net loans and leases to deposits | 67.8918% | 3,091 |
| Net loans and leases to core deposits | 71.9348% | 3,077 |
| Total domestic deposits to total assets | 92.8328% | 18 |
| Equity capital to assets | 7.0138% | 4,913 |
| Core capital (leverage) ratio | 6.6661% | 4,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3574% | 3,041 |
| Memoranda: | ||
| Average total assets | $544,171,800 | 1,444 |
| Average earning assets | $457,017,400 | 1,572 |
| Average equity | $39,653,400 | 2,033 |
| Average total loans | $344,360,800 | 1,520 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 3,651 |
| Cost of funding earning assets | 0.7005% | 2,022 |
| Net interest margin | 3.0666% | 3,822 |
| Noninterest income to average assets | 0.1538% | 4,525 |
| Noninterest expense to average assets | 2.3144% | 3,382 |
| Loan and lease loss provision to assets | 0.0248% | 4,026 |
| Net operating income to assets | 0.3131% | 4,425 |
| Return on assets (ROA) | 0.4010% | 4,326 |
| Pretax return on assets | 0.4854% | 4,308 |
| Return on Equity (ROE) | 5.4486% | 3,736 |
| Retained earnings to average equity (ytd only) | 2.8693% | 3,569 |
| Net charge-offs to loans | -0.0106% | 4,233 |
| Credit loss provision to net charge-offs | -370.3704% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1314% | 552 |
| Assets per employee ($millions) | 6.6510% | 1,712 |
| Cash dividends to net income (ytd only)* | 47.3391% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6686% | 4,624 |
| Loan loss allowance to noncurrent loans | 164.3662% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 3,239 |
| Noncurrent loans to loans | 0.4068% | 2,836 |
| Net loans and leases to total assets | 58.5824% | 3,368 |
| Net loans and leases to deposits | 62.9424% | 3,866 |
| Net loans and leases to core deposits | 66.5757% | 3,860 |
| Total domestic deposits to total assets | 93.0731% | 14 |
| Equity capital to assets | 6.7766% | 4,973 |
| Core capital (leverage) ratio | 7.2706% | 4,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1041% | 2,896 |
| Memoranda: | ||
| Average total assets | $537,313,500 | 1,441 |
| Average earning assets | $449,384,000 | 1,573 |
| Average equity | $39,544,000 | 2,031 |
| Average total loans | $339,843,500 | 1,529 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 3,284 |
| Cost of funding earning assets | 0.7698% | 1,996 |
| Net interest margin | 3.2477% | 3,535 |
| Noninterest income to average assets | 0.1649% | 4,467 |
| Noninterest expense to average assets | 2.4184% | 3,203 |
| Loan and lease loss provision to assets | 0.0385% | 3,793 |
| Net operating income to assets | 0.3937% | 4,243 |
| Return on assets (ROA) | 0.5286% | 4,018 |
| Pretax return on assets | 0.6473% | 3,973 |
| Return on Equity (ROE) | 6.9725% | 3,141 |
| Retained earnings to average equity (ytd only) | 4.2384% | 2,805 |
| Net charge-offs to loans | 0.0143% | 2,467 |
| Credit loss provision to net charge-offs | 416.6667% | 1,373 |
| Earnings coverage of net charge-offs (x) | 56.3750% | 1,014 |
| Efficiency ratio | 82.2674% | 744 |
| Assets per employee ($millions) | 6.3780% | 1,879 |
| Cash dividends to net income (ytd only)* | 39.2128% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6614% | 4,648 |
| Loan loss allowance to noncurrent loans | 351.7720% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 3,936 |
| Noncurrent loans to loans | 0.1880% | 3,708 |
| Net loans and leases to total assets | 63.2457% | 2,970 |
| Net loans and leases to deposits | 68.3948% | 3,533 |
| Net loans and leases to core deposits | 73.2573% | 3,503 |
| Total domestic deposits to total assets | 92.4715% | 28 |
| Equity capital to assets | 7.3986% | 4,903 |
| Core capital (leverage) ratio | 7.4524% | 4,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0927% | 2,946 |
| Memoranda: | ||
| Average total assets | $519,106,333 | 1,464 |
| Average earning assets | $443,512,667 | 1,563 |
| Average equity | $39,354,333 | 2,023 |
| Average total loans | $336,756,667 | 1,524 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0207% | 3,735 |
| Cost of funding earning assets | 0.8284% | 2,234 |
| Net interest margin | 3.1922% | 3,877 |
| Noninterest income to average assets | 0.2254% | 4,202 |
| Noninterest expense to average assets | 2.6092% | 2,956 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3334% | 4,278 |
| Return on assets (ROA) | 0.6060% | 3,639 |
| Pretax return on assets | 0.7494% | 3,549 |
| Return on Equity (ROE) | 7.8919% | 2,563 |
| Retained earnings to average equity (ytd only) | 5.0184% | 2,268 |
| Net charge-offs to loans | -0.0060% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3364% | 682 |
| Assets per employee ($millions) | 5.6278% | 1,996 |
| Cash dividends to net income (ytd only)* | 36.4109% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6567% | 4,680 |
| Loan loss allowance to noncurrent loans | 259.3200% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 3,827 |
| Noncurrent loans to loans | 0.2532% | 3,585 |
| Net loans and leases to total assets | 65.3393% | 2,894 |
| Net loans and leases to deposits | 70.9402% | 3,518 |
| Net loans and leases to core deposits | 76.5258% | 3,462 |
| Total domestic deposits to total assets | 92.1048% | 33 |
| Equity capital to assets | 7.7515% | 5,011 |
| Core capital (leverage) ratio | 7.5807% | 5,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0266% | 3,091 |
| Memoranda: | ||
| Average total assets | $507,594,500 | 1,451 |
| Average earning assets | $444,703,000 | 1,505 |
| Average equity | $38,976,500 | 2,026 |
| Average total loans | $332,556,500 | 1,514 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 3,465 |
| Cost of funding earning assets | 0.8428% | 2,473 |
| Net interest margin | 3.4845% | 3,498 |
| Noninterest income to average assets | 0.2181% | 4,360 |
| Noninterest expense to average assets | 2.6446% | 3,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5293% | 4,339 |
| Return on assets (ROA) | 0.5352% | 4,375 |
| Pretax return on assets | 0.6495% | 4,325 |
| Return on Equity (ROE) | 7.1518% | 3,498 |
| Retained earnings to average equity (ytd only) | 4.4620% | 2,724 |
| Net charge-offs to loans | 0.1862% | 1,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 5.3955% | 3,094 |
| Efficiency ratio | 80.4591% | 905 |
| Assets per employee ($millions) | 5.2402% | 2,299 |
| Cash dividends to net income (ytd only)* | 37.6104% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6723% | 4,621 |
| Loan loss allowance to noncurrent loans | 174.8811% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 3,433 |
| Noncurrent loans to loans | 0.3844% | 3,060 |
| Net loans and leases to total assets | 64.8178% | 3,095 |
| Net loans and leases to deposits | 70.2186% | 3,651 |
| Net loans and leases to core deposits | 75.8806% | 3,583 |
| Total domestic deposits to total assets | 92.3086% | 25 |
| Equity capital to assets | 7.6045% | 5,102 |
| Core capital (leverage) ratio | 7.2415% | 5,123 |
| Tier 1 risk-based capital ratio | 11.3154% | 4,726 |
| Total risk-based capital ratio | 11.9667% | 4,870 |
| Memoranda: | ||
| Average total assets | $486,393,800 | 1,459 |
| Average earning assets | $428,350,200 | 1,510 |
| Average equity | $36,396,200 | 2,079 |
| Average total loans | $310,928,400 | 1,559 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3413% | 3,544 |
| Cost of funding earning assets | 0.8287% | 2,575 |
| Net interest margin | 3.5126% | 3,527 |
| Noninterest income to average assets | 0.2115% | 4,456 |
| Noninterest expense to average assets | 2.6982% | 2,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4797% | 4,567 |
| Return on assets (ROA) | 0.4877% | 4,590 |
| Pretax return on assets | 0.5911% | 4,560 |
| Return on Equity (ROE) | 6.5456% | 3,861 |
| Retained earnings to average equity (ytd only) | 3.9333% | 3,432 |
| Net charge-offs to loans | 0.0952% | 1,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 9.6028% | 2,561 |
| Efficiency ratio | 82.2711% | 738 |
| Assets per employee ($millions) | 5.4711% | 2,053 |
| Cash dividends to net income (ytd only)* | 39.9092% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 4,328 |
| Loan loss allowance to noncurrent loans | 303.0697% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 3,935 |
| Noncurrent loans to loans | 0.2723% | 3,567 |
| Net loans and leases to total assets | 58.7446% | 3,802 |
| Net loans and leases to deposits | 63.3627% | 4,217 |
| Net loans and leases to core deposits | 68.6005% | 4,131 |
| Total domestic deposits to total assets | 92.7117% | 15 |
| Equity capital to assets | 7.1691% | 5,212 |
| Core capital (leverage) ratio | 7.9778% | 5,123 |
| Tier 1 risk-based capital ratio | 11.4258% | 4,708 |
| Total risk-based capital ratio | 12.2023% | 4,813 |
| Memoranda: | ||
| Average total assets | $482,228,500 | 1,480 |
| Average earning assets | $421,211,000 | 1,549 |
| Average equity | $35,931,500 | 2,107 |
| Average total loans | $306,591,500 | 1,589 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 3,235 |
| Cost of funding earning assets | 0.8107% | 2,591 |
| Net interest margin | 3.6221% | 3,185 |
| Noninterest income to average assets | 0.2116% | 4,471 |
| Noninterest expense to average assets | 2.7784% | 2,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5203% | 4,482 |
| Return on assets (ROA) | 0.5326% | 4,485 |
| Pretax return on assets | 0.6472% | 4,454 |
| Return on Equity (ROE) | 7.0480% | 3,658 |
| Retained earnings to average equity (ytd only) | 4.2537% | 3,126 |
| Net charge-offs to loans | 0.1246% | 1,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 7.7842% | 2,465 |
| Efficiency ratio | 81.4638% | 843 |
| Assets per employee ($millions) | 4.6890% | 2,895 |
| Cash dividends to net income (ytd only)* | 39.6469% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 4,267 |
| Loan loss allowance to noncurrent loans | 272.6891% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 3,757 |
| Noncurrent loans to loans | 0.3115% | 3,425 |
| Net loans and leases to total assets | 65.2741% | 3,195 |
| Net loans and leases to deposits | 71.0192% | 3,764 |
| Net loans and leases to core deposits | 77.4058% | 3,617 |
| Total domestic deposits to total assets | 91.9104% | 43 |
| Equity capital to assets | 7.9349% | 5,187 |
| Core capital (leverage) ratio | 8.0624% | 5,148 |
| Tier 1 risk-based capital ratio | 11.5720% | 4,647 |
| Total risk-based capital ratio | 12.3739% | 4,763 |
| Memoranda: | ||
| Average total assets | $467,896,670 | 1,516 |
| Average earning assets | $413,236,670 | 1,581 |
| Average equity | $35,357,330 | 2,124 |
| Average total loans | $305,086,000 | 1,595 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4046% | 3,208 |
| Cost of funding earning assets | 0.7563% | 2,759 |
| Net interest margin | 3.6483% | 3,078 |
| Noninterest income to average assets | 0.2137% | 4,463 |
| Noninterest expense to average assets | 2.7752% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5586% | 4,365 |
| Return on assets (ROA) | 0.5833% | 4,324 |
| Pretax return on assets | 0.7051% | 4,289 |
| Return on Equity (ROE) | 7.9148% | 3,301 |
| Retained earnings to average equity (ytd only) | 5.1533% | 2,840 |
| Net charge-offs to loans | 0.2624% | 558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3.9650% | 2,361 |
| Efficiency ratio | 80.4294% | 1,016 |
| Assets per employee ($millions) | 4.8520% | 2,700 |
| Cash dividends to net income (ytd only)* | 34.8905% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8411% | 4,385 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 3,908 |
| Noncurrent loans to loans | 0.2804% | 3,557 |
| Net loans and leases to total assets | 64.1168% | 3,272 |
| Net loans and leases to deposits | 69.3622% | 3,817 |
| Net loans and leases to core deposits | 75.2521% | 3,713 |
| Total domestic deposits to total assets | 92.4377% | 40 |
| Equity capital to assets | 7.4537% | 5,274 |
| Core capital (leverage) ratio | 7.9441% | 5,221 |
| Tier 1 risk-based capital ratio | 11.0307% | 4,961 |
| Total risk-based capital ratio | 11.7983% | 5,068 |
| Memoranda: | ||
| Average total assets | $469,737,500 | 1,524 |
| Average earning assets | $416,742,500 | 1,566 |
| Average equity | $34,618,500 | 2,156 |
| Average total loans | $304,825,000 | 1,609 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1827% | 3,485 |
| Cost of funding earning assets | 0.5689% | 2,930 |
| Net interest margin | 3.6138% | 3,331 |
| Noninterest income to average assets | 0.1699% | 4,876 |
| Noninterest expense to average assets | 2.7168% | 2,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5779% | 4,475 |
| Return on assets (ROA) | 0.5801% | 4,476 |
| Pretax return on assets | 0.6996% | 4,417 |
| Return on Equity (ROE) | 7.9152% | 3,479 |
| Retained earnings to average equity (ytd only) | 5.0239% | 2,754 |
| Net charge-offs to loans | 0.1308% | 1,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 8.2348% | 2,914 |
| Efficiency ratio | 79.5853% | 994 |
| Assets per employee ($millions) | 4.7833% | 2,765 |
| Cash dividends to net income (ytd only)* | 36.5281% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 4,078 |
| Loan loss allowance to noncurrent loans | 370.9720% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 4,019 |
| Noncurrent loans to loans | 0.2485% | 3,695 |
| Net loans and leases to total assets | 64.5299% | 3,298 |
| Net loans and leases to deposits | 69.7431% | 3,848 |
| Net loans and leases to core deposits | 73.4597% | 3,891 |
| Total domestic deposits to total assets | 92.5251% | 50 |
| Equity capital to assets | 7.2837% | 5,304 |
| Core capital (leverage) ratio | 7.7593% | 5,286 |
| Tier 1 risk-based capital ratio | 11.0207% | 4,971 |
| Total risk-based capital ratio | 11.8570% | 5,040 |
| Memoranda: | ||
| Average total assets | $447,843,000 | 1,543 |
| Average earning assets | $401,985,000 | 1,582 |
| Average equity | $32,823,000 | 2,161 |
| Average total loans | $289,842,600 | 1,637 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 3,637 |
| Cost of funding earning assets | 0.5365% | 2,955 |
| Net interest margin | 3.5616% | 3,490 |
| Noninterest income to average assets | 0.1541% | 5,008 |
| Noninterest expense to average assets | 2.7501% | 2,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5059% | 4,751 |
| Return on assets (ROA) | 0.5089% | 4,742 |
| Pretax return on assets | 0.6084% | 4,716 |
| Return on Equity (ROE) | 6.9325% | 3,955 |
| Retained earnings to average equity (ytd only) | 4.1087% | 3,722 |
| Net charge-offs to loans | 0.0707% | 1,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 13.2435% | 2,381 |
| Efficiency ratio | 81.9737% | 777 |
| Assets per employee ($millions) | 5.0274% | 2,434 |
| Cash dividends to net income (ytd only)* | 40.7321% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,642 |
| Loan loss allowance to noncurrent loans | 646.3519% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 4,476 |
| Noncurrent loans to loans | 0.1577% | 4,168 |
| Net loans and leases to total assets | 62.5500% | 3,594 |
| Net loans and leases to deposits | 68.0317% | 4,062 |
| Net loans and leases to core deposits | 71.8202% | 4,095 |
| Total domestic deposits to total assets | 91.9424% | 85 |
| Equity capital to assets | 6.8463% | 5,404 |
| Core capital (leverage) ratio | 8.2644% | 5,220 |
| Tier 1 risk-based capital ratio | 10.9516% | 5,060 |
| Total risk-based capital ratio | 11.8664% | 5,116 |
| Memoranda: | ||
| Average total assets | $443,808,250 | 1,565 |
| Average earning assets | $398,840,750 | 1,600 |
| Average equity | $32,580,000 | 2,187 |
| Average total loans | $286,755,000 | 1,655 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0599% | 3,582 |
| Cost of funding earning assets | 0.4864% | 3,120 |
| Net interest margin | 3.5735% | 3,404 |
| Noninterest income to average assets | 0.2037% | 4,798 |
| Noninterest expense to average assets | 2.7754% | 2,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5570% | 4,612 |
| Return on assets (ROA) | 0.5616% | 4,604 |
| Pretax return on assets | 0.6731% | 4,575 |
| Return on Equity (ROE) | 7.4702% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.1703% | 2,473 |
| Net charge-offs to loans | 0.1177% | 1,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.7126% | 2,448 |
| Efficiency ratio | 80.6103% | 949 |
| Assets per employee ($millions) | 4.4374% | 3,224 |
| Cash dividends to net income (ytd only)* | 17.4020% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 3,717 |
| Loan loss allowance to noncurrent loans | 371.0396% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 4,041 |
| Noncurrent loans to loans | 0.2749% | 3,729 |
| Net loans and leases to total assets | 67.5972% | 2,930 |
| Net loans and leases to deposits | 74.3829% | 3,497 |
| Net loans and leases to core deposits | 80.8013% | 3,345 |
| Total domestic deposits to total assets | 90.8773% | 281 |
| Equity capital to assets | 7.5705% | 5,362 |
| Core capital (leverage) ratio | 8.3164% | 5,202 |
| Tier 1 risk-based capital ratio | 11.2790% | 4,909 |
| Total risk-based capital ratio | 12.2165% | 4,962 |
| Memoranda: | ||
| Average total assets | $435,894,670 | 1,594 |
| Average earning assets | $395,132,670 | 1,626 |
| Average equity | $32,770,000 | 2,180 |
| Average total loans | $283,852,000 | 1,670 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,756 |
| Cost of funding earning assets | 0.4613% | 3,115 |
| Net interest margin | 3.4991% | 3,539 |
| Noninterest income to average assets | 0.1933% | 4,860 |
| Noninterest expense to average assets | 2.7559% | 2,857 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5216% | 4,641 |
| Return on assets (ROA) | 0.5307% | 4,628 |
| Pretax return on assets | 0.6301% | 4,617 |
| Return on Equity (ROE) | 7.0842% | 3,759 |
| Retained earnings to average equity (ytd only) | 4.4915% | 3,403 |
| Net charge-offs to loans | 0.1836% | 797 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.3047% | 2,248 |
| Efficiency ratio | 81.6536% | 986 |
| Assets per employee ($millions) | 4.6268% | 2,971 |
| Cash dividends to net income (ytd only)* | 36.5979% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,502 |
| Loan loss allowance to noncurrent loans | 465.0842% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 4,330 |
| Noncurrent loans to loans | 0.2323% | 3,939 |
| Net loans and leases to total assets | 63.9274% | 3,318 |
| Net loans and leases to deposits | 69.1406% | 3,861 |
| Net loans and leases to core deposits | 80.2234% | 3,307 |
| Total domestic deposits to total assets | 92.4599% | 65 |
| Equity capital to assets | 7.4357% | 5,438 |
| Core capital (leverage) ratio | 7.9844% | 5,396 |
| Tier 1 risk-based capital ratio | 11.4062% | 4,914 |
| Total risk-based capital ratio | 12.3843% | 4,962 |
| Memoranda: | ||
| Average total assets | $438,626,000 | 1,599 |
| Average earning assets | $398,841,500 | 1,618 |
| Average equity | $32,862,000 | 2,191 |
| Average total loans | $278,799,000 | 1,699 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 3,808 |
| Cost of funding earning assets | 0.4217% | 3,038 |
| Net interest margin | 3.4516% | 3,685 |
| Noninterest income to average assets | 0.1950% | 4,977 |
| Noninterest expense to average assets | 2.4749% | 3,865 |
| Loan and lease loss provision to assets | 0.0579% | 3,075 |
| Net operating income to assets | 0.4662% | 4,470 |
| Return on assets (ROA) | 0.4826% | 4,450 |
| Pretax return on assets | 0.7961% | 4,255 |
| Return on Equity (ROE) | 6.5483% | 3,507 |
| Retained earnings to average equity (ytd only) | 4.8881% | 2,201 |
| Net charge-offs to loans | 0.1808% | 1,389 |
| Credit loss provision to net charge-offs | 53.9112% | 3,284 |
| Earnings coverage of net charge-offs (x) | 7.7146% | 3,006 |
| Efficiency ratio | 74.9227% | 1,774 |
| Assets per employee ($millions) | 4.8068% | 2,728 |
| Cash dividends to net income (ytd only)* | 25.3528% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 3,091 |
| Loan loss allowance to noncurrent loans | 270.0512% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 3,827 |
| Noncurrent loans to loans | 0.4238% | 3,264 |
| Net loans and leases to total assets | 61.8164% | 3,645 |
| Net loans and leases to deposits | 66.9404% | 4,108 |
| Net loans and leases to core deposits | 78.4970% | 3,546 |
| Total domestic deposits to total assets | 92.3455% | 58 |
| Equity capital to assets | 7.5220% | 5,532 |
| Core capital (leverage) ratio | 7.6080% | 5,538 |
| Tier 1 risk-based capital ratio | 11.4464% | 4,888 |
| Total risk-based capital ratio | 12.4838% | 4,898 |
| Memoranda: | ||
| Average total assets | $440,505,000 | 1,577 |
| Average earning assets | $396,689,800 | 1,605 |
| Average equity | $32,466,600 | 2,196 |
| Average total loans | $261,636,600 | 1,753 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 3,825 |
| Cost of funding earning assets | 0.4106% | 3,081 |
| Net interest margin | 3.4411% | 3,703 |
| Noninterest income to average assets | 0.2030% | 4,998 |
| Noninterest expense to average assets | 2.4586% | 3,860 |
| Loan and lease loss provision to assets | 0.0530% | 3,043 |
| Net operating income to assets | 0.5482% | 4,580 |
| Return on assets (ROA) | 0.5590% | 4,579 |
| Pretax return on assets | 0.7971% | 4,353 |
| Return on Equity (ROE) | 7.6236% | 3,334 |
| Retained earnings to average equity (ytd only) | 6.1940% | 2,109 |
| Net charge-offs to loans | 0.1846% | 1,139 |
| Credit loss provision to net charge-offs | 49.0196% | 2,922 |
| Earnings coverage of net charge-offs (x) | 7.7171% | 2,848 |
| Efficiency ratio | 74.6550% | 1,799 |
| Assets per employee ($millions) | 5.1951% | 2,229 |
| Cash dividends to net income (ytd only)* | 18.7533% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 3,133 |
| Loan loss allowance to noncurrent loans | 219.8489% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 3,711 |
| Noncurrent loans to loans | 0.5284% | 3,112 |
| Net loans and leases to total assets | 60.2624% | 3,831 |
| Net loans and leases to deposits | 65.1620% | 4,307 |
| Net loans and leases to core deposits | 74.4688% | 3,931 |
| Total domestic deposits to total assets | 92.4808% | 39 |
| Equity capital to assets | 7.4008% | 5,627 |
| Core capital (leverage) ratio | 8.0924% | 5,481 |
| Tier 1 risk-based capital ratio | 11.2968% | 5,078 |
| Total risk-based capital ratio | 12.3452% | 5,088 |
| Memoranda: | ||
| Average total assets | $440,076,000 | 1,588 |
| Average earning assets | $395,212,750 | 1,622 |
| Average equity | $32,267,250 | 2,224 |
| Average total loans | $257,913,250 | 1,779 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8532% | 3,709 |
| Cost of funding earning assets | 0.3967% | 3,110 |
| Net interest margin | 3.4566% | 3,563 |
| Noninterest income to average assets | 0.2169% | 4,956 |
| Noninterest expense to average assets | 2.4751% | 3,831 |
| Loan and lease loss provision to assets | 0.0573% | 2,828 |
| Net operating income to assets | 0.5506% | 4,519 |
| Return on assets (ROA) | 0.5641% | 4,505 |
| Pretax return on assets | 0.8048% | 4,253 |
| Return on Equity (ROE) | 7.7181% | 3,183 |
| Retained earnings to average equity (ytd only) | 6.8961% | 1,642 |
| Net charge-offs to loans | 0.2039% | 990 |
| Credit loss provision to net charge-offs | 48.6381% | 2,580 |
| Earnings coverage of net charge-offs (x) | 7.1518% | 2,635 |
| Efficiency ratio | 74.5957% | 1,913 |
| Assets per employee ($millions) | 4.8439% | 2,590 |
| Cash dividends to net income (ytd only)* | 10.6504% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,744 |
| Loan loss allowance to noncurrent loans | 443.6562% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 4,358 |
| Noncurrent loans to loans | 0.2800% | 4,035 |
| Net loans and leases to total assets | 60.6562% | 3,772 |
| Net loans and leases to deposits | 65.7983% | 4,235 |
| Net loans and leases to core deposits | 76.0801% | 3,765 |
| Total domestic deposits to total assets | 92.1851% | 59 |
| Equity capital to assets | 7.7007% | 5,617 |
| Core capital (leverage) ratio | 7.8609% | 5,575 |
| Tier 1 risk-based capital ratio | 11.5529% | 4,921 |
| Total risk-based capital ratio | 12.6550% | 4,911 |
| Memoranda: | ||
| Average total assets | $436,109,000 | 1,602 |
| Average earning assets | $391,255,330 | 1,638 |
| Average equity | $31,873,000 | 2,235 |
| Average total loans | $252,026,670 | 1,813 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7427% | 3,960 |
| Cost of funding earning assets | 0.3686% | 3,329 |
| Net interest margin | 3.3741% | 3,738 |
| Noninterest income to average assets | 0.2131% | 4,992 |
| Noninterest expense to average assets | 2.4615% | 3,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5537% | 4,362 |
| Return on assets (ROA) | 0.5659% | 4,346 |
| Pretax return on assets | 0.7990% | 4,114 |
| Return on Equity (ROE) | 7.9498% | 2,947 |
| Retained earnings to average equity (ytd only) | 7.9498% | 1,480 |
| Net charge-offs to loans | 0.0777% | 1,559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 17.9583% | 1,582 |
| Efficiency ratio | 75.8949% | 1,922 |
| Assets per employee ($millions) | 4.8983% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,387 |
| Loan loss allowance to noncurrent loans | 105.5380% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 2,433 |
| Noncurrent loans to loans | 1.2612% | 1,598 |
| Net loans and leases to total assets | 56.0801% | 4,160 |
| Net loans and leases to deposits | 60.5058% | 4,534 |
| Net loans and leases to core deposits | 70.8129% | 4,086 |
| Total domestic deposits to total assets | 92.6855% | 52 |
| Equity capital to assets | 7.2068% | 5,731 |
| Core capital (leverage) ratio | 7.5927% | 5,684 |
| Tier 1 risk-based capital ratio | 11.6322% | 4,959 |
| Total risk-based capital ratio | 12.7863% | 4,912 |
| Memoranda: | ||
| Average total assets | $441,033,500 | 1,603 |
| Average earning assets | $396,075,000 | 1,636 |
| Average equity | $31,397,000 | 2,267 |
| Average total loans | $247,137,500 | 1,851 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 4,087 |
| Cost of funding earning assets | 0.3731% | 3,284 |
| Net interest margin | 3.3684% | 3,927 |
| Noninterest income to average assets | 0.1977% | 5,228 |
| Noninterest expense to average assets | 2.4358% | 4,198 |
| Loan and lease loss provision to assets | 0.0738% | 2,876 |
| Net operating income to assets | 0.4362% | 4,835 |
| Return on assets (ROA) | 0.4689% | 4,819 |
| Pretax return on assets | 0.6670% | 4,600 |
| Return on Equity (ROE) | 6.5940% | 3,691 |
| Retained earnings to average equity (ytd only) | 3.3521% | 3,535 |
| Net charge-offs to loans | 0.5537% | 429 |
| Credit loss provision to net charge-offs | 26.0369% | 3,623 |
| Earnings coverage of net charge-offs (x) | 2.4485% | 3,825 |
| Efficiency ratio | 77.8257% | 1,716 |
| Assets per employee ($millions) | 4.6444% | 2,888 |
| Cash dividends to net income (ytd only)* | 49.1643% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 2,132 |
| Loan loss allowance to noncurrent loans | 101.4089% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.7853% | 2,388 |
| Noncurrent loans to loans | 1.3688% | 1,498 |
| Net loans and leases to total assets | 54.4693% | 4,399 |
| Net loans and leases to deposits | 58.6694% | 4,752 |
| Net loans and leases to core deposits | 64.8274% | 4,588 |
| Total domestic deposits to total assets | 92.8412% | 49 |
| Equity capital to assets | 7.0312% | 5,793 |
| Core capital (leverage) ratio | 7.0356% | 5,808 |
| Tier 1 risk-based capital ratio | 11.5544% | 5,019 |
| Total risk-based capital ratio | 12.7395% | 4,966 |
| Memoranda: | ||
| Average total assets | $459,356,600 | 1,483 |
| Average earning assets | $399,860,800 | 1,567 |
| Average equity | $32,666,200 | 2,194 |
| Average total loans | $235,125,800 | 1,868 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7051% | 4,239 |
| Cost of funding earning assets | 0.3721% | 3,311 |
| Net interest margin | 3.3330% | 4,086 |
| Noninterest income to average assets | 0.1977% | 5,278 |
| Noninterest expense to average assets | 2.4287% | 4,200 |
| Loan and lease loss provision to assets | 0.0974% | 2,279 |
| Net operating income to assets | 0.3829% | 5,078 |
| Return on assets (ROA) | 0.4260% | 5,030 |
| Pretax return on assets | 0.6085% | 4,856 |
| Return on Equity (ROE) | 5.9738% | 4,076 |
| Retained earnings to average equity (ytd only) | 2.6886% | 4,290 |
| Net charge-offs to loans | 0.1431% | 1,556 |
| Credit loss provision to net charge-offs | 135.6000% | 1,913 |
| Earnings coverage of net charge-offs (x) | 8.9679% | 2,720 |
| Efficiency ratio | 79.0311% | 1,553 |
| Assets per employee ($millions) | 5.6293% | 1,734 |
| Cash dividends to net income (ytd only)* | 54.9933% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8691% | 899 |
| Loan loss allowance to noncurrent loans | 140.1707% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 2,893 |
| Noncurrent loans to loans | 1.3334% | 1,658 |
| Net loans and leases to total assets | 47.5439% | 4,987 |
| Net loans and leases to deposits | 51.1320% | 5,248 |
| Net loans and leases to core deposits | 56.6381% | 5,115 |
| Total domestic deposits to total assets | 92.9827% | 36 |
| Equity capital to assets | 6.9183% | 5,892 |
| Core capital (leverage) ratio | 7.3659% | 5,846 |
| Tier 1 risk-based capital ratio | 11.7018% | 4,979 |
| Total risk-based capital ratio | 12.9560% | 4,876 |
| Memoranda: | ||
| Average total assets | $463,891,500 | 1,472 |
| Average earning assets | $400,191,000 | 1,567 |
| Average equity | $33,077,000 | 2,188 |
| Average total loans | $232,979,500 | 1,886 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7304% | 4,187 |
| Cost of funding earning assets | 0.3692% | 3,361 |
| Net interest margin | 3.3612% | 4,019 |
| Noninterest income to average assets | 0.1964% | 5,321 |
| Noninterest expense to average assets | 2.4561% | 4,160 |
| Loan and lease loss provision to assets | 0.1353% | 1,686 |
| Net operating income to assets | 0.3899% | 5,064 |
| Return on assets (ROA) | 0.4353% | 5,007 |
| Pretax return on assets | 0.6264% | 4,824 |
| Return on Equity (ROE) | 6.0411% | 4,031 |
| Retained earnings to average equity (ytd only) | 2.6335% | 4,221 |
| Net charge-offs to loans | 0.1762% | 1,286 |
| Credit loss provision to net charge-offs | 150.9804% | 1,576 |
| Earnings coverage of net charge-offs (x) | 7.7647% | 2,594 |
| Efficiency ratio | 77.9233% | 1,806 |
| Assets per employee ($millions) | 5.1997% | 2,086 |
| Cash dividends to net income (ytd only)* | 56.4077% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9032% | 891 |
| Loan loss allowance to noncurrent loans | 150.3886% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.6844% | 2,941 |
| Noncurrent loans to loans | 1.2655% | 1,806 |
| Net loans and leases to total assets | 50.7036% | 4,796 |
| Net loans and leases to deposits | 54.9024% | 5,084 |
| Net loans and leases to core deposits | 61.6049% | 4,906 |
| Total domestic deposits to total assets | 92.3523% | 61 |
| Equity capital to assets | 7.5095% | 5,914 |
| Core capital (leverage) ratio | 7.0510% | 5,947 |
| Tier 1 risk-based capital ratio | 11.9041% | 4,892 |
| Total risk-based capital ratio | 13.1587% | 4,791 |
| Memoranda: | ||
| Average total assets | $455,273,000 | 1,505 |
| Average earning assets | $400,328,670 | 1,569 |
| Average equity | $32,808,670 | 2,209 |
| Average total loans | $231,546,000 | 1,898 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7286% | 4,216 |
| Cost of funding earning assets | 0.3534% | 3,565 |
| Net interest margin | 3.3752% | 3,960 |
| Noninterest income to average assets | 0.1839% | 5,403 |
| Noninterest expense to average assets | 2.3542% | 4,504 |
| Loan and lease loss provision to assets | 0.0797% | 2,365 |
| Net operating income to assets | 0.5068% | 4,603 |
| Return on assets (ROA) | 0.5631% | 4,457 |
| Pretax return on assets | 0.8373% | 4,073 |
| Return on Equity (ROE) | 7.9808% | 2,921 |
| Retained earnings to average equity (ytd only) | 4.7537% | 3,088 |
| Net charge-offs to loans | 0.1441% | 1,250 |
| Credit loss provision to net charge-offs | 109.6386% | 1,523 |
| Earnings coverage of net charge-offs (x) | 11.4578% | 1,859 |
| Efficiency ratio | 73.8664% | 2,499 |
| Assets per employee ($millions) | 5.5260% | 1,810 |
| Cash dividends to net income (ytd only)* | 40.4355% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8704% | 1,009 |
| Loan loss allowance to noncurrent loans | 142.0555% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.8182% | 2,644 |
| Noncurrent loans to loans | 1.3167% | 1,815 |
| Net loans and leases to total assets | 49.2109% | 4,872 |
| Net loans and leases to deposits | 53.0610% | 5,162 |
| Net loans and leases to core deposits | 58.4403% | 5,020 |
| Total domestic deposits to total assets | 92.7439% | 55 |
| Equity capital to assets | 7.1583% | 5,994 |
| Core capital (leverage) ratio | 7.1110% | 5,984 |
| Tier 1 risk-based capital ratio | 11.7151% | 5,102 |
| Total risk-based capital ratio | 12.9694% | 5,004 |
| Memoranda: | ||
| Average total assets | $456,722,500 | 1,499 |
| Average earning assets | $406,374,000 | 1,544 |
| Average equity | $32,227,500 | 2,235 |
| Average total loans | $230,409,000 | 1,913 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6955% | 4,382 |
| Cost of funding earning assets | 0.3695% | 3,494 |
| Net interest margin | 3.3259% | 4,194 |
| Noninterest income to average assets | 0.2006% | 5,386 |
| Noninterest expense to average assets | 2.4249% | 4,453 |
| Loan and lease loss provision to assets | 0.4275% | 298 |
| Net operating income to assets | 0.3053% | 5,342 |
| Return on assets (ROA) | 0.3431% | 5,324 |
| Pretax return on assets | 0.4598% | 5,202 |
| Return on Equity (ROE) | 4.7801% | 4,616 |
| Retained earnings to average equity (ytd only) | 3.5441% | 3,542 |
| Net charge-offs to loans | 1.0578% | 185 |
| Credit loss provision to net charge-offs | 81.8584% | 2,913 |
| Earnings coverage of net charge-offs (x) | 1.6027% | 4,059 |
| Efficiency ratio | 74.3430% | 2,526 |
| Assets per employee ($millions) | 5.6157% | 1,690 |
| Cash dividends to net income (ytd only)* | 25.8586% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 946 |
| Loan loss allowance to noncurrent loans | 116.0791% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.8639% | 2,510 |
| Noncurrent loans to loans | 1.6419% | 1,388 |
| Net loans and leases to total assets | 49.7904% | 4,889 |
| Net loans and leases to deposits | 53.8149% | 5,171 |
| Net loans and leases to core deposits | 58.3993% | 5,085 |
| Total domestic deposits to total assets | 92.5217% | 68 |
| Equity capital to assets | 6.9508% | 6,065 |
| Core capital (leverage) ratio | 6.8916% | 6,061 |
| Tier 1 risk-based capital ratio | 11.5306% | 5,231 |
| Total risk-based capital ratio | 13.4337% | 4,737 |
| Memoranda: | ||
| Average total assets | $432,796,200 | 1,541 |
| Average earning assets | $398,352,400 | 1,537 |
| Average equity | $31,066,000 | 2,245 |
| Average total loans | $213,657,600 | 1,966 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 4,429 |
| Cost of funding earning assets | 0.3718% | 3,526 |
| Net interest margin | 3.3255% | 4,238 |
| Noninterest income to average assets | 0.2059% | 5,415 |
| Noninterest expense to average assets | 2.4534% | 4,337 |
| Loan and lease loss provision to assets | 0.6289% | 138 |
| Net operating income to assets | 0.1568% | 5,757 |
| Return on assets (ROA) | 0.2124% | 5,717 |
| Pretax return on assets | 0.2376% | 5,739 |
| Return on Equity (ROE) | 2.9351% | 5,412 |
| Retained earnings to average equity (ytd only) | 1.5900% | 5,069 |
| Net charge-offs to loans | 1.1069% | 161 |
| Credit loss provision to net charge-offs | 115.9404% | 2,045 |
| Earnings coverage of net charge-offs (x) | 1.4822% | 3,826 |
| Efficiency ratio | 75.3175% | 2,347 |
| Assets per employee ($millions) | 5.7071% | 1,590 |
| Cash dividends to net income (ytd only)* | 45.8271% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3322% | 548 |
| Loan loss allowance to noncurrent loans | 125.0062% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9120% | 2,583 |
| Noncurrent loans to loans | 1.8656% | 1,244 |
| Net loans and leases to total assets | 46.1739% | 5,215 |
| Net loans and leases to deposits | 49.8901% | 5,474 |
| Net loans and leases to core deposits | 54.8539% | 5,366 |
| Total domestic deposits to total assets | 92.5512% | 58 |
| Equity capital to assets | 6.8980% | 6,158 |
| Core capital (leverage) ratio | 7.5543% | 6,043 |
| Tier 1 risk-based capital ratio | 12.0163% | 5,079 |
| Total risk-based capital ratio | 13.9675% | 4,511 |
| Memoranda: | ||
| Average total assets | $428,681,000 | 1,564 |
| Average earning assets | $393,354,250 | 1,565 |
| Average equity | $31,025,750 | 2,265 |
| Average total loans | $210,063,750 | 2,006 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7090% | 4,378 |
| Cost of funding earning assets | 0.3794% | 3,505 |
| Net interest margin | 3.3296% | 4,174 |
| Noninterest income to average assets | 0.2074% | 5,441 |
| Noninterest expense to average assets | 2.5194% | 4,181 |
| Loan and lease loss provision to assets | 0.7096% | 123 |
| Net operating income to assets | 0.1097% | 5,864 |
| Return on assets (ROA) | 0.1569% | 5,845 |
| Pretax return on assets | 0.1435% | 5,889 |
| Return on Equity (ROE) | 2.1315% | 5,647 |
| Retained earnings to average equity (ytd only) | 0.6090% | 5,317 |
| Net charge-offs to loans | 1.1896% | 155 |
| Credit loss provision to net charge-offs | 120.1939% | 1,805 |
| Earnings coverage of net charge-offs (x) | 1.3651% | 3,529 |
| Efficiency ratio | 75.7637% | 2,403 |
| Assets per employee ($millions) | 5.0979% | 2,145 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4376% | 521 |
| Loan loss allowance to noncurrent loans | 98.6793% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.2775% | 1,969 |
| Noncurrent loans to loans | 2.4702% | 908 |
| Net loans and leases to total assets | 49.1286% | 5,004 |
| Net loans and leases to deposits | 53.4017% | 5,289 |
| Net loans and leases to core deposits | 59.1813% | 5,122 |
| Total domestic deposits to total assets | 91.9982% | 122 |
| Equity capital to assets | 7.3896% | 6,132 |
| Core capital (leverage) ratio | 7.3627% | 6,128 |
| Tier 1 risk-based capital ratio | 12.4347% | 4,855 |
| Total risk-based capital ratio | 14.4172% | 4,338 |
| Memoranda: | ||
| Average total assets | $419,384,670 | 1,607 |
| Average earning assets | $392,722,000 | 1,573 |
| Average equity | $30,869,670 | 2,285 |
| Average total loans | $208,135,000 | 2,025 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6498% | 4,534 |
| Cost of funding earning assets | 0.3879% | 3,437 |
| Net interest margin | 3.2619% | 4,373 |
| Noninterest income to average assets | 0.1863% | 5,593 |
| Noninterest expense to average assets | 2.4922% | 4,285 |
| Loan and lease loss provision to assets | 0.6962% | 131 |
| Net operating income to assets | 0.0978% | 5,879 |
| Return on assets (ROA) | 0.0978% | 5,937 |
| Pretax return on assets | 0.0517% | 5,995 |
| Return on Equity (ROE) | 1.3318% | 5,846 |
| Retained earnings to average equity (ytd only) | 0.1153% | 5,339 |
| Net charge-offs to loans | 0.4887% | 511 |
| Credit loss provision to net charge-offs | 289.0625% | 833 |
| Earnings coverage of net charge-offs (x) | 3.1055% | 2,655 |
| Efficiency ratio | 76.9164% | 2,355 |
| Assets per employee ($millions) | 5.3997% | 1,885 |
| Cash dividends to net income (ytd only)* | 91.3462% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5150% | 519 |
| Loan loss allowance to noncurrent loans | 73.7094% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.6254% | 1,570 |
| Noncurrent loans to loans | 3.4121% | 578 |
| Net loans and leases to total assets | 46.4375% | 5,169 |
| Net loans and leases to deposits | 50.3460% | 5,436 |
| Net loans and leases to core deposits | 55.3222% | 5,294 |
| Total domestic deposits to total assets | 92.2367% | 125 |
| Equity capital to assets | 7.2192% | 6,235 |
| Core capital (leverage) ratio | 7.1275% | 6,224 |
| Tier 1 risk-based capital ratio | 12.2093% | 5,101 |
| Total risk-based capital ratio | 14.1813% | 4,561 |
| Memoranda: | ||
| Average total assets | $425,161,000 | 1,592 |
| Average earning assets | $398,045,500 | 1,565 |
| Average equity | $31,236,000 | 2,277 |
| Average total loans | $209,518,500 | 2,017 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 4,269 |
| Cost of funding earning assets | 0.4137% | 3,559 |
| Net interest margin | 3.4512% | 3,975 |
| Noninterest income to average assets | 0.1984% | 5,670 |
| Noninterest expense to average assets | 2.6446% | 4,072 |
| Loan and lease loss provision to assets | 1.0595% | 98 |
| Net operating income to assets | -0.2602% | 6,226 |
| Return on assets (ROA) | 0.1432% | 5,937 |
| Pretax return on assets | 0.0774% | 6,011 |
| Return on Equity (ROE) | 1.9513% | 5,780 |
| Retained earnings to average equity (ytd only) | 0.5407% | 5,528 |
| Net charge-offs to loans | 2.8938% | 38 |
| Credit loss provision to net charge-offs | 70.7586% | 3,057 |
| Earnings coverage of net charge-offs (x) | 0.4899% | 4,632 |
| Efficiency ratio | 78.2859% | 2,165 |
| Assets per employee ($millions) | 5.1618% | 2,111 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2573% | 767 |
| Loan loss allowance to noncurrent loans | 64.6987% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 1.7801% | 1,468 |
| Noncurrent loans to loans | 3.4890% | 587 |
| Net loans and leases to total assets | 49.8696% | 4,990 |
| Net loans and leases to deposits | 54.2333% | 5,318 |
| Net loans and leases to core deposits | 60.2871% | 5,124 |
| Total domestic deposits to total assets | 91.9539% | 154 |
| Equity capital to assets | 7.4821% | 6,237 |
| Core capital (leverage) ratio | 6.9545% | 6,320 |
| Tier 1 risk-based capital ratio | 12.0207% | 5,351 |
| Total risk-based capital ratio | 13.9793% | 4,812 |
| Memoranda: | ||
| Average total assets | $405,838,800 | 1,629 |
| Average earning assets | $373,929,800 | 1,613 |
| Average equity | $29,774,600 | 2,284 |
| Average total loans | $210,002,400 | 1,974 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 4,372 |
| Cost of funding earning assets | 0.4093% | 3,688 |
| Net interest margin | 3.4398% | 4,068 |
| Noninterest income to average assets | 0.2118% | 5,662 |
| Noninterest expense to average assets | 2.6807% | 3,895 |
| Loan and lease loss provision to assets | 0.9599% | 120 |
| Net operating income to assets | -0.2627% | 6,295 |
| Return on assets (ROA) | 0.2158% | 5,862 |
| Pretax return on assets | 0.1917% | 5,961 |
| Return on Equity (ROE) | 2.9565% | 5,549 |
| Retained earnings to average equity (ytd only) | 1.0578% | 5,461 |
| Net charge-offs to loans | 1.8993% | 108 |
| Credit loss provision to net charge-offs | 97.3235% | 2,296 |
| Earnings coverage of net charge-offs (x) | 0.6825% | 4,337 |
| Efficiency ratio | 79.9292% | 1,932 |
| Assets per employee ($millions) | 5.1969% | 2,021 |
| Cash dividends to net income (ytd only)* | 64.2205% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9968% | 363 |
| Loan loss allowance to noncurrent loans | 49.6079% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 2.9100% | 827 |
| Noncurrent loans to loans | 6.0410% | 230 |
| Net loans and leases to total assets | 46.7281% | 5,316 |
| Net loans and leases to deposits | 50.4375% | 5,623 |
| Net loans and leases to core deposits | 56.1469% | 5,438 |
| Total domestic deposits to total assets | 92.6455% | 105 |
| Equity capital to assets | 6.7412% | 6,418 |
| Core capital (leverage) ratio | 7.9983% | 6,070 |
| Tier 1 risk-based capital ratio | 11.9449% | 5,524 |
| Total risk-based capital ratio | 13.8900% | 4,989 |
| Memoranda: | ||
| Average total assets | $404,062,250 | 1,647 |
| Average earning assets | $369,081,750 | 1,646 |
| Average equity | $29,494,000 | 2,314 |
| Average total loans | $209,830,500 | 1,985 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 3,788 |
| Cost of funding earning assets | 0.4173% | 3,689 |
| Net interest margin | 3.5674% | 3,498 |
| Noninterest income to average assets | 0.2222% | 5,617 |
| Noninterest expense to average assets | 2.7539% | 3,689 |
| Loan and lease loss provision to assets | 0.9334% | 119 |
| Net operating income to assets | -0.1383% | 6,281 |
| Return on assets (ROA) | 0.4392% | 5,137 |
| Pretax return on assets | 0.5295% | 5,194 |
| Return on Equity (ROE) | 5.8465% | 4,245 |
| Retained earnings to average equity (ytd only) | 3.6131% | 3,893 |
| Net charge-offs to loans | 2.6624% | 76 |
| Credit loss provision to net charge-offs | 65.6916% | 2,542 |
| Earnings coverage of net charge-offs (x) | 0.5399% | 4,024 |
| Efficiency ratio | 78.2133% | 2,263 |
| Assets per employee ($millions) | 4.1074% | 3,629 |
| Cash dividends to net income (ytd only)* | 38.2009% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6143% | 596 |
| Loan loss allowance to noncurrent loans | 53.2526% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 2.8361% | 917 |
| Noncurrent loans to loans | 4.9093% | 409 |
| Net loans and leases to total assets | 56.2595% | 4,250 |
| Net loans and leases to deposits | 61.8820% | 4,704 |
| Net loans and leases to core deposits | 68.9318% | 4,371 |
| Total domestic deposits to total assets | 90.9141% | 441 |
| Equity capital to assets | 8.2889% | 5,955 |
| Core capital (leverage) ratio | 8.0303% | 6,079 |
| Tier 1 risk-based capital ratio | 12.4852% | 5,237 |
| Total risk-based capital ratio | 14.4551% | 4,716 |
| Memoranda: | ||
| Average total assets | $389,770,670 | 1,693 |
| Average earning assets | $360,431,670 | 1,676 |
| Average equity | $29,282,330 | 2,312 |
| Average total loans | $208,008,330 | 1,993 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 3,899 |
| Cost of funding earning assets | 0.4092% | 3,862 |
| Net interest margin | 3.5394% | 3,527 |
| Noninterest income to average assets | 0.2201% | 5,596 |
| Noninterest expense to average assets | 2.6622% | 4,070 |
| Loan and lease loss provision to assets | 0.7403% | 164 |
| Net operating income to assets | 0.0572% | 6,112 |
| Return on assets (ROA) | 0.5142% | 4,692 |
| Pretax return on assets | 0.6353% | 4,707 |
| Return on Equity (ROE) | 7.1881% | 3,359 |
| Retained earnings to average equity (ytd only) | 3.7479% | 3,881 |
| Net charge-offs to loans | -0.0039% | 4,776 |
| Credit loss provision to net charge-offs | -37,000.0000% | 5,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6417% | 2,703 |
| Assets per employee ($millions) | 4.5902% | 2,828 |
| Cash dividends to net income (ytd only)* | 47.8599% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4793% | 272 |
| Loan loss allowance to noncurrent loans | 73.6038% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 2.4469% | 1,313 |
| Noncurrent loans to loans | 4.7270% | 491 |
| Net loans and leases to total assets | 49.9631% | 4,915 |
| Net loans and leases to deposits | 54.4507% | 5,242 |
| Net loans and leases to core deposits | 62.0869% | 4,869 |
| Total domestic deposits to total assets | 91.7584% | 309 |
| Equity capital to assets | 7.3023% | 6,377 |
| Core capital (leverage) ratio | 7.6886% | 6,270 |
| Tier 1 risk-based capital ratio | 12.5322% | 5,293 |
| Total risk-based capital ratio | 14.5120% | 4,785 |
| Memoranda: | ||
| Average total assets | $399,825,000 | 1,668 |
| Average earning assets | $367,523,500 | 1,664 |
| Average equity | $28,603,000 | 2,359 |
| Average total loans | $205,236,000 | 2,012 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 4,339 |
| Cost of funding earning assets | 0.4267% | 4,357 |
| Net interest margin | 3.5076% | 3,865 |
| Noninterest income to average assets | 0.2280% | 5,712 |
| Noninterest expense to average assets | 2.4346% | 4,974 |
| Loan and lease loss provision to assets | 0.7558% | 291 |
| Net operating income to assets | 0.2941% | 5,541 |
| Return on assets (ROA) | 0.5464% | 4,652 |
| Pretax return on assets | 0.6215% | 4,798 |
| Return on Equity (ROE) | 7.1865% | 3,459 |
| Retained earnings to average equity (ytd only) | 6.1163% | 1,904 |
| Net charge-offs to loans | 0.8247% | 753 |
| Credit loss provision to net charge-offs | 186.4512% | 1,222 |
| Earnings coverage of net charge-offs (x) | 2.6737% | 4,102 |
| Efficiency ratio | 69.1966% | 3,977 |
| Assets per employee ($millions) | 4.5484% | 2,821 |
| Cash dividends to net income (ytd only)* | 14.8917% | 3,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2442% | 352 |
| Loan loss allowance to noncurrent loans | 67.0877% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.4609% | 1,403 |
| Noncurrent loans to loans | 4.8357% | 537 |
| Net loans and leases to total assets | 49.2388% | 5,167 |
| Net loans and leases to deposits | 53.5903% | 5,499 |
| Net loans and leases to core deposits | 59.1324% | 5,290 |
| Total domestic deposits to total assets | 91.8802% | 309 |
| Equity capital to assets | 7.0024% | 6,456 |
| Core capital (leverage) ratio | 7.1823% | 6,479 |
| Tier 1 risk-based capital ratio | 12.1552% | 5,524 |
| Total risk-based capital ratio | 14.1379% | 5,002 |
| Memoranda: | ||
| Average total assets | $396,943,400 | 1,663 |
| Average earning assets | $372,357,600 | 1,624 |
| Average equity | $30,181,600 | 2,243 |
| Average total loans | $195,110,400 | 2,047 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 4,388 |
| Cost of funding earning assets | 0.4262% | 4,537 |
| Net interest margin | 3.5040% | 3,865 |
| Noninterest income to average assets | 0.2302% | 5,785 |
| Noninterest expense to average assets | 2.3759% | 5,092 |
| Loan and lease loss provision to assets | 0.5021% | 542 |
| Net operating income to assets | 0.5180% | 4,727 |
| Return on assets (ROA) | 0.6609% | 4,199 |
| Pretax return on assets | 0.8042% | 4,275 |
| Return on Equity (ROE) | 8.5237% | 2,874 |
| Retained earnings to average equity (ytd only) | 7.4544% | 1,665 |
| Net charge-offs to loans | 0.6365% | 966 |
| Credit loss provision to net charge-offs | 161.9048% | 1,463 |
| Earnings coverage of net charge-offs (x) | 3.6504% | 3,644 |
| Efficiency ratio | 67.7287% | 4,143 |
| Assets per employee ($millions) | 4.7814% | 2,462 |
| Cash dividends to net income (ytd only)* | 12.5446% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9072% | 612 |
| Loan loss allowance to noncurrent loans | 74.9181% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.7923% | 2,284 |
| Noncurrent loans to loans | 3.8805% | 923 |
| Net loans and leases to total assets | 44.8439% | 5,642 |
| Net loans and leases to deposits | 48.6362% | 5,923 |
| Net loans and leases to core deposits | 55.7266% | 5,646 |
| Total domestic deposits to total assets | 92.2027% | 220 |
| Equity capital to assets | 6.9142% | 6,572 |
| Core capital (leverage) ratio | 7.8405% | 6,307 |
| Tier 1 risk-based capital ratio | 12.5338% | 5,440 |
| Total risk-based capital ratio | 14.5379% | 4,851 |
| Memoranda: | ||
| Average total assets | $397,251,750 | 1,667 |
| Average earning assets | $371,607,250 | 1,635 |
| Average equity | $30,799,750 | 2,228 |
| Average total loans | $193,544,000 | 2,063 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0139% | 4,047 |
| Cost of funding earning assets | 0.4313% | 4,647 |
| Net interest margin | 3.5826% | 3,441 |
| Noninterest income to average assets | 0.2316% | 5,787 |
| Noninterest expense to average assets | 2.4279% | 4,969 |
| Loan and lease loss provision to assets | 0.5116% | 524 |
| Net operating income to assets | 0.5438% | 4,581 |
| Return on assets (ROA) | 0.7385% | 3,780 |
| Pretax return on assets | 0.9195% | 3,837 |
| Return on Equity (ROE) | 9.1623% | 2,552 |
| Retained earnings to average equity (ytd only) | 8.1257% | 1,435 |
| Net charge-offs to loans | 0.7759% | 817 |
| Credit loss provision to net charge-offs | 132.7979% | 1,713 |
| Earnings coverage of net charge-offs (x) | 3.0830% | 3,499 |
| Efficiency ratio | 67.1516% | 4,332 |
| Assets per employee ($millions) | 4.6403% | 2,592 |
| Cash dividends to net income (ytd only)* | 11.3128% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7714% | 733 |
| Loan loss allowance to noncurrent loans | 76.5525% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.8054% | 2,401 |
| Noncurrent loans to loans | 3.6203% | 1,137 |
| Net loans and leases to total assets | 48.4862% | 5,286 |
| Net loans and leases to deposits | 53.0446% | 5,602 |
| Net loans and leases to core deposits | 63.4900% | 4,948 |
| Total domestic deposits to total assets | 91.4065% | 409 |
| Equity capital to assets | 7.6127% | 6,407 |
| Core capital (leverage) ratio | 7.7909% | 6,312 |
| Tier 1 risk-based capital ratio | 12.7784% | 5,300 |
| Total risk-based capital ratio | 14.8048% | 4,695 |
| Memoranda: | ||
| Average total assets | $387,820,000 | 1,710 |
| Average earning assets | $366,325,670 | 1,652 |
| Average equity | $31,258,670 | 2,199 |
| Average total loans | $192,543,330 | 2,074 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0498% | 3,921 |
| Cost of funding earning assets | 0.4314% | 4,788 |
| Net interest margin | 3.6184% | 3,188 |
| Noninterest income to average assets | 0.2296% | 5,821 |
| Noninterest expense to average assets | 2.4103% | 5,091 |
| Loan and lease loss provision to assets | 0.5098% | 527 |
| Net operating income to assets | 0.6111% | 4,166 |
| Return on assets (ROA) | 0.6866% | 3,902 |
| Pretax return on assets | 0.8262% | 4,058 |
| Return on Equity (ROE) | 8.2867% | 2,825 |
| Retained earnings to average equity (ytd only) | 7.4131% | 1,978 |
| Net charge-offs to loans | 0.1399% | 2,567 |
| Credit loss provision to net charge-offs | 735.8209% | 394 |
| Earnings coverage of net charge-offs (x) | 17.9701% | 1,285 |
| Efficiency ratio | 65.9406% | 4,673 |
| Assets per employee ($millions) | 4.7697% | 2,541 |
| Cash dividends to net income (ytd only)* | 10.5422% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8689% | 756 |
| Loan loss allowance to noncurrent loans | 166.5072% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 4,248 |
| Noncurrent loans to loans | 1.7230% | 2,962 |
| Net loans and leases to total assets | 48.1988% | 5,206 |
| Net loans and leases to deposits | 53.2289% | 5,499 |
| Net loans and leases to core deposits | 60.2362% | 5,121 |
| Total domestic deposits to total assets | 90.5499% | 742 |
| Equity capital to assets | 8.1973% | 6,251 |
| Core capital (leverage) ratio | 7.5764% | 6,435 |
| Tier 1 risk-based capital ratio | 12.5168% | 5,567 |
| Total risk-based capital ratio | 14.5457% | 4,969 |
| Memoranda: | ||
| Average total assets | $386,839,500 | 1,729 |
| Average earning assets | $366,239,500 | 1,667 |
| Average equity | $32,051,500 | 2,177 |
| Average total loans | $191,626,500 | 2,091 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 3,971 |
| Cost of funding earning assets | 0.4776% | 5,370 |
| Net interest margin | 3.8862% | 2,887 |
| Noninterest income to average assets | 0.2192% | 5,866 |
| Noninterest expense to average assets | 2.4482% | 5,258 |
| Loan and lease loss provision to assets | 0.8949% | 504 |
| Net operating income to assets | 0.4902% | 4,722 |
| Return on assets (ROA) | 0.5629% | 4,673 |
| Pretax return on assets | 0.6188% | 4,937 |
| Return on Equity (ROE) | 6.6869% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.9700% | 2,724 |
| Net charge-offs to loans | 1.0307% | 1,045 |
| Credit loss provision to net charge-offs | 176.9066% | 1,484 |
| Earnings coverage of net charge-offs (x) | 2.8346% | 4,011 |
| Efficiency ratio | 63.0651% | 5,064 |
| Assets per employee ($millions) | 4.7230% | 2,615 |
| Cash dividends to net income (ytd only)* | 25.6757% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7182% | 902 |
| Loan loss allowance to noncurrent loans | 218.9949% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 4,937 |
| Noncurrent loans to loans | 1.2412% | 3,769 |
| Net loans and leases to total assets | 48.1045% | 5,403 |
| Net loans and leases to deposits | 53.3397% | 5,711 |
| Net loans and leases to core deposits | 60.9551% | 5,275 |
| Total domestic deposits to total assets | 90.1851% | 855 |
| Equity capital to assets | 8.3757% | 6,139 |
| Core capital (leverage) ratio | 7.2435% | 6,618 |
| Tier 1 risk-based capital ratio | 12.7437% | 5,298 |
| Total risk-based capital ratio | 14.8015% | 4,660 |
| Memoranda: | ||
| Average total assets | $368,102,400 | 1,769 |
| Average earning assets | $346,942,800 | 1,717 |
| Average equity | $30,986,000 | 2,199 |
| Average total loans | $180,659,600 | 2,193 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4435% | 3,862 |
| Cost of funding earning assets | 0.4840% | 5,544 |
| Net interest margin | 3.9595% | 2,670 |
| Noninterest income to average assets | 0.2187% | 5,980 |
| Noninterest expense to average assets | 2.4626% | 5,207 |
| Loan and lease loss provision to assets | 0.9021% | 489 |
| Net operating income to assets | 0.5030% | 4,835 |
| Return on assets (ROA) | 0.5970% | 4,672 |
| Pretax return on assets | 0.6749% | 4,938 |
| Return on Equity (ROE) | 7.0827% | 3,758 |
| Retained earnings to average equity (ytd only) | 5.0994% | 3,298 |
| Net charge-offs to loans | 0.7692% | 1,439 |
| Credit loss provision to net charge-offs | 239.4175% | 1,154 |
| Earnings coverage of net charge-offs (x) | 3.9019% | 3,465 |
| Efficiency ratio | 62.6174% | 5,050 |
| Assets per employee ($millions) | 4.8529% | 2,375 |
| Cash dividends to net income (ytd only)* | 28.0025% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8299% | 860 |
| Loan loss allowance to noncurrent loans | 211.1613% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6200% | 5,125 |
| Noncurrent loans to loans | 1.3401% | 3,791 |
| Net loans and leases to total assets | 44.9521% | 5,879 |
| Net loans and leases to deposits | 49.7988% | 6,125 |
| Net loans and leases to core deposits | 58.4379% | 5,707 |
| Total domestic deposits to total assets | 90.2675% | 693 |
| Equity capital to assets | 8.1191% | 6,530 |
| Core capital (leverage) ratio | 7.9401% | 6,374 |
| Tier 1 risk-based capital ratio | 12.8773% | 5,348 |
| Total risk-based capital ratio | 14.9544% | 4,700 |
| Memoranda: | ||
| Average total assets | $364,487,750 | 1,810 |
| Average earning assets | $341,882,750 | 1,761 |
| Average equity | $30,722,000 | 2,231 |
| Average total loans | $178,531,750 | 2,247 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 3,474 |
| Cost of funding earning assets | 0.5033% | 5,597 |
| Net interest margin | 4.0679% | 2,218 |
| Noninterest income to average assets | 0.2147% | 6,031 |
| Noninterest expense to average assets | 2.5214% | 5,069 |
| Loan and lease loss provision to assets | 0.9229% | 498 |
| Net operating income to assets | 0.5135% | 4,752 |
| Return on assets (ROA) | 0.6288% | 4,479 |
| Pretax return on assets | 0.7297% | 4,736 |
| Return on Equity (ROE) | 7.3604% | 3,586 |
| Retained earnings to average equity (ytd only) | 4.8740% | 3,351 |
| Net charge-offs to loans | 0.8939% | 1,232 |
| Credit loss provision to net charge-offs | 206.5574% | 1,371 |
| Earnings coverage of net charge-offs (x) | 3.3985% | 3,388 |
| Efficiency ratio | 62.4128% | 5,181 |
| Assets per employee ($millions) | 4.3140% | 3,235 |
| Cash dividends to net income (ytd only)* | 33.7814% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5164% | 1,261 |
| Loan loss allowance to noncurrent loans | 153.5738% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.8636% | 4,648 |
| Noncurrent loans to loans | 1.6385% | 3,455 |
| Net loans and leases to total assets | 49.8830% | 5,369 |
| Net loans and leases to deposits | 55.8731% | 5,663 |
| Net loans and leases to core deposits | 68.4978% | 4,728 |
| Total domestic deposits to total assets | 89.2791% | 1,342 |
| Equity capital to assets | 8.7127% | 6,011 |
| Core capital (leverage) ratio | 7.9187% | 6,351 |
| Tier 1 risk-based capital ratio | 13.1437% | 5,082 |
| Total risk-based capital ratio | 15.2485% | 4,408 |
| Memoranda: | ||
| Average total assets | $354,954,670 | 1,851 |
| Average earning assets | $333,783,000 | 1,801 |
| Average equity | $30,324,330 | 2,241 |
| Average total loans | $177,426,670 | 2,265 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 3,596 |
| Cost of funding earning assets | 0.5150% | 5,719 |
| Net interest margin | 4.0644% | 2,236 |
| Noninterest income to average assets | 0.2239% | 6,015 |
| Noninterest expense to average assets | 2.4604% | 5,288 |
| Loan and lease loss provision to assets | 0.9214% | 476 |
| Net operating income to assets | 0.5666% | 4,508 |
| Return on assets (ROA) | 0.5636% | 4,746 |
| Pretax return on assets | 0.6300% | 5,011 |
| Return on Equity (ROE) | 6.6631% | 3,957 |
| Retained earnings to average equity (ytd only) | 5.4662% | 3,282 |
| Net charge-offs to loans | 0.2050% | 2,895 |
| Credit loss provision to net charge-offs | 910.0000% | 386 |
| Earnings coverage of net charge-offs (x) | 15.3556% | 1,423 |
| Efficiency ratio | 61.2777% | 5,407 |
| Assets per employee ($millions) | 4.5500% | 2,899 |
| Cash dividends to net income (ytd only)* | 17.9641% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4981% | 1,361 |
| Loan loss allowance to noncurrent loans | 101.7652% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.2483% | 4,053 |
| Noncurrent loans to loans | 2.4548% | 2,657 |
| Net loans and leases to total assets | 48.2007% | 5,532 |
| Net loans and leases to deposits | 53.6647% | 5,844 |
| Net loans and leases to core deposits | 64.0445% | 5,107 |
| Total domestic deposits to total assets | 89.8183% | 1,175 |
| Equity capital to assets | 8.4463% | 6,128 |
| Core capital (leverage) ratio | 7.8618% | 6,365 |
| Tier 1 risk-based capital ratio | 13.1794% | 5,081 |
| Total risk-based capital ratio | 15.2959% | 4,400 |
| Memoranda: | ||
| Average total assets | $355,558,000 | 1,861 |
| Average earning assets | $331,657,500 | 1,819 |
| Average equity | $30,076,000 | 2,259 |
| Average total loans | $175,632,500 | 2,300 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7310% | 4,117 |
| Cost of funding earning assets | 0.7419% | 5,266 |
| Net interest margin | 3.9891% | 2,938 |
| Noninterest income to average assets | 0.2023% | 6,057 |
| Noninterest expense to average assets | 2.4299% | 5,698 |
| Loan and lease loss provision to assets | 0.9496% | 1,012 |
| Net operating income to assets | 0.4556% | 4,608 |
| Return on assets (ROA) | 0.5530% | 4,404 |
| Pretax return on assets | 0.6457% | 4,529 |
| Return on Equity (ROE) | 7.5080% | 3,147 |
| Retained earnings to average equity (ytd only) | 5.8964% | 2,078 |
| Net charge-offs to loans | 1.3969% | 1,168 |
| Credit loss provision to net charge-offs | 135.1198% | 2,222 |
| Earnings coverage of net charge-offs (x) | 2.1088% | 4,200 |
| Efficiency ratio | 62.1152% | 5,440 |
| Assets per employee ($millions) | 4.5671% | 2,802 |
| Cash dividends to net income (ytd only)* | 21.4654% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1375% | 1,919 |
| Loan loss allowance to noncurrent loans | 80.8279% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.3408% | 3,990 |
| Noncurrent loans to loans | 2.6445% | 2,459 |
| Net loans and leases to total assets | 48.3011% | 5,794 |
| Net loans and leases to deposits | 53.8237% | 6,085 |
| Net loans and leases to core deposits | 64.1474% | 5,447 |
| Total domestic deposits to total assets | 89.7394% | 1,138 |
| Equity capital to assets | 8.4717% | 6,177 |
| Core capital (leverage) ratio | 7.3612% | 6,718 |
| Tier 1 risk-based capital ratio | 13.2579% | 4,869 |
| Total risk-based capital ratio | 15.3889% | 4,180 |
| Memoranda: | ||
| Average total assets | $350,464,800 | 1,851 |
| Average earning assets | $325,911,800 | 1,816 |
| Average equity | $25,812,400 | 2,498 |
| Average total loans | $176,324,400 | 2,302 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7472% | 4,241 |
| Cost of funding earning assets | 0.7939% | 5,187 |
| Net interest margin | 3.9534% | 3,141 |
| Noninterest income to average assets | 0.2155% | 6,064 |
| Noninterest expense to average assets | 2.5302% | 5,350 |
| Loan and lease loss provision to assets | 0.6991% | 1,380 |
| Net operating income to assets | 0.5275% | 4,415 |
| Return on assets (ROA) | 0.6484% | 4,051 |
| Pretax return on assets | 0.8103% | 4,090 |
| Return on Equity (ROE) | 9.1492% | 2,528 |
| Retained earnings to average equity (ytd only) | 6.9143% | 2,022 |
| Net charge-offs to loans | 0.7826% | 1,995 |
| Credit loss provision to net charge-offs | 176.7084% | 1,683 |
| Earnings coverage of net charge-offs (x) | 3.4331% | 3,439 |
| Efficiency ratio | 65.0705% | 4,887 |
| Assets per employee ($millions) | 5.1468% | 1,999 |
| Cash dividends to net income (ytd only)* | 24.4274% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0395% | 2,232 |
| Loan loss allowance to noncurrent loans | 47.4281% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 1.9437% | 3,213 |
| Noncurrent loans to loans | 4.3003% | 1,526 |
| Net loans and leases to total assets | 44.1398% | 6,323 |
| Net loans and leases to deposits | 48.5707% | 6,595 |
| Net loans and leases to core deposits | 54.5571% | 6,417 |
| Total domestic deposits to total assets | 90.8774% | 480 |
| Equity capital to assets | 7.3487% | 6,969 |
| Core capital (leverage) ratio | 7.7573% | 6,594 |
| Tier 1 risk-based capital ratio | 12.4094% | 5,570 |
| Total risk-based capital ratio | 14.4896% | 4,890 |
| Memoranda: | ||
| Average total assets | $350,164,250 | 1,858 |
| Average earning assets | $325,319,250 | 1,829 |
| Average equity | $24,817,500 | 2,600 |
| Average total loans | $177,013,250 | 2,304 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 3,286 |
| Cost of funding earning assets | 0.8957% | 4,706 |
| Net interest margin | 4.0795% | 2,494 |
| Noninterest income to average assets | 0.2181% | 6,106 |
| Noninterest expense to average assets | 2.7020% | 4,816 |
| Loan and lease loss provision to assets | 0.6386% | 1,503 |
| Net operating income to assets | 0.5395% | 4,341 |
| Return on assets (ROA) | 0.6613% | 3,860 |
| Pretax return on assets | 0.8256% | 3,927 |
| Return on Equity (ROE) | 9.4687% | 2,317 |
| Retained earnings to average equity (ytd only) | 7.0652% | 1,850 |
| Net charge-offs to loans | 1.0686% | 1,473 |
| Credit loss provision to net charge-offs | 113.3616% | 2,702 |
| Earnings coverage of net charge-offs (x) | 2.3287% | 3,664 |
| Efficiency ratio | 67.3166% | 4,643 |
| Assets per employee ($millions) | 4.6049% | 2,680 |
| Cash dividends to net income (ytd only)* | 25.3839% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6605% | 3,451 |
| Loan loss allowance to noncurrent loans | 68.7731% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.2478% | 4,404 |
| Noncurrent loans to loans | 2.4144% | 2,975 |
| Net loans and leases to total assets | 50.2763% | 5,787 |
| Net loans and leases to deposits | 55.1251% | 6,216 |
| Net loans and leases to core deposits | 64.8773% | 5,621 |
| Total domestic deposits to total assets | 91.2040% | 428 |
| Equity capital to assets | 6.9745% | 7,106 |
| Core capital (leverage) ratio | 7.1172% | 6,949 |
| Tier 1 risk-based capital ratio | 11.4855% | 6,176 |
| Total risk-based capital ratio | 13.6068% | 5,448 |
| Memoranda: | ||
| Average total assets | $334,785,000 | 1,947 |
| Average earning assets | $311,505,000 | 1,909 |
| Average equity | $23,382,330 | 2,714 |
| Average total loans | $176,494,670 | 2,326 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0106% | 3,062 |
| Cost of funding earning assets | 0.9381% | 4,665 |
| Net interest margin | 4.0725% | 2,376 |
| Noninterest income to average assets | 0.1944% | 6,331 |
| Noninterest expense to average assets | 2.8192% | 4,376 |
| Loan and lease loss provision to assets | 0.5587% | 1,546 |
| Net operating income to assets | 0.5469% | 4,281 |
| Return on assets (ROA) | 0.5905% | 4,149 |
| Pretax return on assets | 0.7115% | 4,261 |
| Return on Equity (ROE) | 8.4481% | 2,720 |
| Retained earnings to average equity (ytd only) | 6.1393% | 2,553 |
| Net charge-offs to loans | 1.0155% | 1,345 |
| Credit loss provision to net charge-offs | 102.6966% | 2,584 |
| Earnings coverage of net charge-offs (x) | 2.2382% | 3,200 |
| Efficiency ratio | 69.8365% | 4,308 |
| Assets per employee ($millions) | 4.3133% | 3,215 |
| Cash dividends to net income (ytd only)* | 27.3292% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6222% | 3,646 |
| Loan loss allowance to noncurrent loans | 149.7379% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6717% | 5,614 |
| Noncurrent loans to loans | 1.0834% | 4,884 |
| Net loans and leases to total assets | 52.1668% | 5,557 |
| Net loans and leases to deposits | 57.2557% | 5,998 |
| Net loans and leases to core deposits | 68.0690% | 5,279 |
| Total domestic deposits to total assets | 91.1120% | 572 |
| Equity capital to assets | 6.9212% | 7,105 |
| Core capital (leverage) ratio | 7.0154% | 7,001 |
| Tier 1 risk-based capital ratio | 11.4304% | 6,152 |
| Total risk-based capital ratio | 13.5650% | 5,417 |
| Memoranda: | ||
| Average total assets | $327,189,500 | 1,997 |
| Average earning assets | $308,706,500 | 1,928 |
| Average equity | $22,869,000 | 2,762 |
| Average total loans | $175,279,000 | 2,359 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1920% | 3,650 |
| Cost of funding earning assets | 1.1104% | 5,082 |
| Net interest margin | 4.0816% | 2,652 |
| Noninterest income to average assets | 0.2340% | 6,131 |
| Noninterest expense to average assets | 2.6830% | 5,066 |
| Loan and lease loss provision to assets | 0.6028% | 2,722 |
| Net operating income to assets | 0.6088% | 3,631 |
| Return on assets (ROA) | 0.6276% | 3,711 |
| Pretax return on assets | 0.8260% | 3,546 |
| Return on Equity (ROE) | 8.3696% | 2,548 |
| Retained earnings to average equity (ytd only) | 5.9882% | 1,824 |
| Net charge-offs to loans | 0.4689% | 3,741 |
| Credit loss provision to net charge-offs | 235.0699% | 1,245 |
| Earnings coverage of net charge-offs (x) | 5.4752% | 2,615 |
| Efficiency ratio | 65.6462% | 5,035 |
| Assets per employee ($millions) | 4.1315% | 3,509 |
| Cash dividends to net income (ytd only)* | 28.4528% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6309% | 3,460 |
| Loan loss allowance to noncurrent loans | 122.7881% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 5,249 |
| Noncurrent loans to loans | 1.3282% | 4,502 |
| Net loans and leases to total assets | 53.2490% | 5,747 |
| Net loans and leases to deposits | 59.0443% | 6,149 |
| Net loans and leases to core deposits | 70.1121% | 5,437 |
| Total domestic deposits to total assets | 90.1848% | 999 |
| Equity capital to assets | 7.0599% | 7,094 |
| Core capital (leverage) ratio | 6.9561% | 7,044 |
| Tier 1 risk-based capital ratio | 11.5074% | 5,906 |
| Total risk-based capital ratio | 13.6616% | 5,080 |
| Memoranda: | ||
| Average total assets | $306,895,400 | 2,118 |
| Average earning assets | $289,712,400 | 2,050 |
| Average equity | $23,011,800 | 2,760 |
| Average total loans | $167,826,800 | 2,504 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2206% | 3,739 |
| Cost of funding earning assets | 1.1486% | 5,156 |
| Net interest margin | 4.0720% | 2,748 |
| Noninterest income to average assets | 0.3119% | 5,660 |
| Noninterest expense to average assets | 2.6749% | 4,984 |
| Loan and lease loss provision to assets | 0.5882% | 2,583 |
| Net operating income to assets | 0.6476% | 3,655 |
| Return on assets (ROA) | 0.6714% | 3,700 |
| Pretax return on assets | 0.9116% | 3,519 |
| Return on Equity (ROE) | 8.8167% | 2,557 |
| Retained earnings to average equity (ytd only) | 6.4131% | 2,130 |
| Net charge-offs to loans | 0.2760% | 4,291 |
| Credit loss provision to net charge-offs | 388.6628% | 794 |
| Earnings coverage of net charge-offs (x) | 9.6976% | 1,985 |
| Efficiency ratio | 64.5709% | 5,132 |
| Assets per employee ($millions) | 4.3251% | 3,211 |
| Cash dividends to net income (ytd only)* | 27.2606% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 3,391 |
| Loan loss allowance to noncurrent loans | 89.8640% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.1092% | 4,897 |
| Noncurrent loans to loans | 1.8194% | 3,915 |
| Net loans and leases to total assets | 51.4666% | 6,161 |
| Net loans and leases to deposits | 58.1214% | 6,452 |
| Net loans and leases to core deposits | 71.8988% | 5,522 |
| Total domestic deposits to total assets | 88.5503% | 1,646 |
| Equity capital to assets | 7.6801% | 7,011 |
| Core capital (leverage) ratio | 7.2953% | 7,011 |
| Tier 1 risk-based capital ratio | 11.5659% | 5,865 |
| Total risk-based capital ratio | 13.7352% | 4,973 |
| Memoranda: | ||
| Average total assets | $303,055,250 | 2,164 |
| Average earning assets | $285,096,250 | 2,106 |
| Average equity | $23,077,000 | 2,793 |
| Average total loans | $166,172,750 | 2,573 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 3,207 |
| Cost of funding earning assets | 1.2116% | 5,064 |
| Net interest margin | 4.1399% | 2,380 |
| Noninterest income to average assets | 0.3176% | 5,615 |
| Noninterest expense to average assets | 2.6795% | 4,994 |
| Loan and lease loss provision to assets | 0.6136% | 2,337 |
| Net operating income to assets | 0.6471% | 3,639 |
| Return on assets (ROA) | 0.6690% | 3,679 |
| Pretax return on assets | 0.9272% | 3,398 |
| Return on Equity (ROE) | 8.8137% | 2,545 |
| Retained earnings to average equity (ytd only) | 6.3298% | 2,151 |
| Net charge-offs to loans | 0.2618% | 4,031 |
| Credit loss provision to net charge-offs | 420.3704% | 868 |
| Earnings coverage of net charge-offs (x) | 10.3472% | 1,901 |
| Efficiency ratio | 63.9516% | 5,343 |
| Assets per employee ($millions) | 4.3455% | 3,135 |
| Cash dividends to net income (ytd only)* | 28.1818% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 4,094 |
| Loan loss allowance to noncurrent loans | 91.6976% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 1.0252% | 5,086 |
| Noncurrent loans to loans | 1.5971% | 4,315 |
| Net loans and leases to total assets | 53.9514% | 5,988 |
| Net loans and leases to deposits | 60.1068% | 6,403 |
| Net loans and leases to core deposits | 78.3265% | 4,888 |
| Total domestic deposits to total assets | 89.7593% | 1,042 |
| Equity capital to assets | 7.5930% | 7,059 |
| Core capital (leverage) ratio | 7.3292% | 6,973 |
| Tier 1 risk-based capital ratio | 11.4424% | 5,831 |
| Total risk-based capital ratio | 13.6213% | 4,955 |
| Memoranda: | ||
| Average total assets | $295,946,000 | 2,224 |
| Average earning assets | $276,815,000 | 2,182 |
| Average equity | $22,465,000 | 2,863 |
| Average total loans | $164,989,000 | 2,624 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3909% | 3,076 |
| Cost of funding earning assets | 1.2103% | 5,345 |
| Net interest margin | 4.1806% | 2,119 |
| Noninterest income to average assets | 0.3024% | 5,733 |
| Noninterest expense to average assets | 2.6956% | 4,926 |
| Loan and lease loss provision to assets | 0.6684% | 1,897 |
| Net operating income to assets | 0.6270% | 3,769 |
| Return on assets (ROA) | 0.6270% | 3,898 |
| Pretax return on assets | 0.8548% | 3,644 |
| Return on Equity (ROE) | 8.2606% | 2,750 |
| Retained earnings to average equity (ytd only) | 5.7678% | 2,729 |
| Net charge-offs to loans | 0.4638% | 2,655 |
| Credit loss provision to net charge-offs | 256.0847% | 1,516 |
| Earnings coverage of net charge-offs (x) | 5.8360% | 2,328 |
| Efficiency ratio | 63.8953% | 5,512 |
| Assets per employee ($millions) | 4.3997% | 3,131 |
| Cash dividends to net income (ytd only)* | 30.1762% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 5,151 |
| Loan loss allowance to noncurrent loans | 63.8488% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.0715% | 5,002 |
| Noncurrent loans to loans | 1.9737% | 3,827 |
| Net loans and leases to total assets | 53.6076% | 6,076 |
| Net loans and leases to deposits | 59.5469% | 6,507 |
| Net loans and leases to core deposits | 80.6713% | 4,677 |
| Total domestic deposits to total assets | 90.0258% | 975 |
| Equity capital to assets | 7.3960% | 7,143 |
| Core capital (leverage) ratio | 7.5021% | 6,848 |
| Tier 1 risk-based capital ratio | 11.5332% | 5,644 |
| Total risk-based capital ratio | 13.5751% | 4,839 |
| Memoranda: | ||
| Average total assets | $289,652,500 | 2,313 |
| Average earning assets | $271,345,500 | 2,276 |
| Average equity | $21,984,000 | 2,947 |
| Average total loans | $163,017,500 | 2,719 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6196% | 3,500 |
| Cost of funding earning assets | 1.5796% | 5,129 |
| Net interest margin | 4.0400% | 2,695 |
| Noninterest income to average assets | 0.3524% | 5,579 |
| Noninterest expense to average assets | 2.9864% | 4,202 |
| Loan and lease loss provision to assets | 0.6379% | 3,251 |
| Net operating income to assets | 0.4396% | 3,973 |
| Return on assets (ROA) | 0.5403% | 3,653 |
| Pretax return on assets | 0.6987% | 3,580 |
| Return on Equity (ROE) | 7.4647% | 2,594 |
| Retained earnings to average equity (ytd only) | 5.4646% | 1,593 |
| Net charge-offs to loans | 0.9338% | 2,531 |
| Credit loss provision to net charge-offs | 116.5084% | 4,656 |
| Earnings coverage of net charge-offs (x) | 2.2023% | 4,073 |
| Efficiency ratio | 71.2364% | 4,404 |
| Assets per employee ($millions) | 3.9960% | 3,824 |
| Cash dividends to net income (ytd only)* | 26.7950% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 5,870 |
| Loan loss allowance to noncurrent loans | 58.6957% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 4,891 |
| Noncurrent loans to loans | 1.8832% | 3,824 |
| Net loans and leases to total assets | 57.8236% | 5,686 |
| Net loans and leases to deposits | 64.7470% | 6,181 |
| Net loans and leases to core deposits | 98.6499% | 4,160 |
| Total domestic deposits to total assets | 89.3070% | 1,326 |
| Equity capital to assets | 7.8031% | 6,760 |
| Core capital (leverage) ratio | 8.0656% | 6,055 |
| Tier 1 risk-based capital ratio | 11.1461% | 5,780 |
| Total risk-based capital ratio | 12.9961% | 5,118 |
| Memoranda: | ||
| Average total assets | $250,033,400 | 2,608 |
| Average earning assets | $237,651,400 | 2,527 |
| Average equity | $18,098,400 | 3,495 |
| Average total loans | $146,611,400 | 2,975 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6583% | 3,530 |
| Cost of funding earning assets | 1.6821% | 4,987 |
| Net interest margin | 3.9762% | 2,914 |
| Noninterest income to average assets | 0.3552% | 5,652 |
| Noninterest expense to average assets | 3.1454% | 3,480 |
| Loan and lease loss provision to assets | 0.4800% | 3,499 |
| Net operating income to assets | 0.4037% | 4,385 |
| Return on assets (ROA) | 0.5292% | 3,955 |
| Pretax return on assets | 0.6874% | 3,899 |
| Return on Equity (ROE) | 7.4767% | 2,875 |
| Retained earnings to average equity (ytd only) | 5.2963% | 2,317 |
| Net charge-offs to loans | 0.7592% | 2,461 |
| Credit loss provision to net charge-offs | 107.7396% | 4,718 |
| Earnings coverage of net charge-offs (x) | 2.2543% | 4,132 |
| Efficiency ratio | 75.7979% | 3,546 |
| Assets per employee ($millions) | 3.6315% | 4,604 |
| Cash dividends to net income (ytd only)* | 29.1623% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 5,813 |
| Loan loss allowance to noncurrent loans | 60.4330% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.0539% | 4,969 |
| Noncurrent loans to loans | 1.7956% | 3,922 |
| Net loans and leases to total assets | 58.0554% | 5,883 |
| Net loans and leases to deposits | 64.0904% | 6,479 |
| Net loans and leases to core deposits | 95.2086% | 4,906 |
| Total domestic deposits to total assets | 90.5837% | 554 |
| Equity capital to assets | 7.3137% | 7,418 |
| Core capital (leverage) ratio | 6.8483% | 7,521 |
| Tier 1 risk-based capital ratio | 10.1410% | 6,839 |
| Total risk-based capital ratio | 12.0913% | 6,071 |
| Memoranda: | ||
| Average total assets | $243,611,000 | 2,692 |
| Average earning assets | $232,477,500 | 2,593 |
| Average equity | $17,244,250 | 3,653 |
| Average total loans | $142,960,500 | 3,063 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6380% | 3,874 |
| Cost of funding earning assets | 1.7768% | 4,876 |
| Net interest margin | 3.8612% | 3,284 |
| Noninterest income to average assets | 0.3524% | 5,681 |
| Noninterest expense to average assets | 3.1665% | 3,446 |
| Loan and lease loss provision to assets | 0.2957% | 4,196 |
| Net operating income to assets | 0.4375% | 4,345 |
| Return on assets (ROA) | 0.5107% | 4,166 |
| Pretax return on assets | 0.6673% | 4,108 |
| Return on Equity (ROE) | 7.2998% | 3,063 |
| Retained earnings to average equity (ytd only) | 4.9181% | 2,556 |
| Net charge-offs to loans | 0.4827% | 2,900 |
| Credit loss provision to net charge-offs | 104.4118% | 4,399 |
| Earnings coverage of net charge-offs (x) | 3.0647% | 3,589 |
| Efficiency ratio | 78.4844% | 3,275 |
| Assets per employee ($millions) | 3.6302% | 4,497 |
| Cash dividends to net income (ytd only)* | 32.6264% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 5,694 |
| Loan loss allowance to noncurrent loans | 67.5118% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 0.9157% | 5,145 |
| Noncurrent loans to loans | 1.6077% | 4,085 |
| Net loans and leases to total assets | 56.3423% | 6,174 |
| Net loans and leases to deposits | 61.3485% | 6,789 |
| Net loans and leases to core deposits | 92.1502% | 5,334 |
| Total domestic deposits to total assets | 91.8398% | 236 |
| Equity capital to assets | 7.0398% | 7,593 |
| Core capital (leverage) ratio | 6.9789% | 7,554 |
| Tier 1 risk-based capital ratio | 10.1201% | 6,808 |
| Total risk-based capital ratio | 12.0689% | 5,997 |
| Memoranda: | ||
| Average total assets | $240,079,000 | 2,749 |
| Average earning assets | $228,946,670 | 2,642 |
| Average equity | $16,795,000 | 3,755 |
| Average total loans | $140,880,670 | 3,130 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5832% | 4,454 |
| Cost of funding earning assets | 1.8946% | 4,649 |
| Net interest margin | 3.6886% | 3,938 |
| Noninterest income to average assets | 0.3604% | 5,557 |
| Noninterest expense to average assets | 3.0635% | 3,509 |
| Loan and lease loss provision to assets | 0.2317% | 4,133 |
| Net operating income to assets | 0.4617% | 4,609 |
| Return on assets (ROA) | 0.4617% | 4,786 |
| Pretax return on assets | 0.5938% | 4,774 |
| Return on Equity (ROE) | 6.6224% | 3,765 |
| Retained earnings to average equity (ytd only) | 4.2344% | 3,552 |
| Net charge-offs to loans | 0.0518% | 4,744 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 26.7222% | 1,170 |
| Efficiency ratio | 78.7732% | 3,036 |
| Assets per employee ($millions) | 3.3439% | 5,215 |
| Cash dividends to net income (ytd only)* | 36.0595% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 4,771 |
| Loan loss allowance to noncurrent loans | 68.0912% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 4,682 |
| Noncurrent loans to loans | 1.7698% | 3,611 |
| Net loans and leases to total assets | 56.1880% | 6,214 |
| Net loans and leases to deposits | 61.7042% | 6,756 |
| Net loans and leases to core deposits | 92.9103% | 5,267 |
| Total domestic deposits to total assets | 91.0603% | 397 |
| Equity capital to assets | 7.3883% | 7,428 |
| Core capital (leverage) ratio | 7.5249% | 7,129 |
| Tier 1 risk-based capital ratio | 10.5452% | 6,348 |
| Total risk-based capital ratio | 12.6666% | 5,391 |
| Memoranda: | ||
| Average total assets | $233,063,000 | 2,842 |
| Average earning assets | $222,955,000 | 2,731 |
| Average equity | $16,248,000 | 3,895 |
| Average total loans | $138,949,500 | 3,192 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1570% | 4,745 |
| Cost of funding earning assets | 2.3411% | 4,966 |
| Net interest margin | 3.8160% | 3,953 |
| Noninterest income to average assets | 0.4261% | 5,248 |
| Noninterest expense to average assets | 3.3293% | 2,866 |
| Loan and lease loss provision to assets | 0.2315% | 4,581 |
| Net operating income to assets | 0.3455% | 5,372 |
| Return on assets (ROA) | 0.3470% | 5,182 |
| Pretax return on assets | 0.4615% | 5,092 |
| Return on Equity (ROE) | 4.9455% | 4,415 |
| Retained earnings to average equity (ytd only) | 3.1734% | 3,174 |
| Net charge-offs to loans | 0.1086% | 5,196 |
| Credit loss provision to net charge-offs | 320.1439% | 1,411 |
| Earnings coverage of net charge-offs (x) | 9.5540% | 2,668 |
| Efficiency ratio | 82.8135% | 2,203 |
| Assets per employee ($millions) | 3.3138% | 5,178 |
| Cash dividends to net income (ytd only)* | 35.8321% | 3,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 5,141 |
| Loan loss allowance to noncurrent loans | 67.3302% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 1.0409% | 4,221 |
| Noncurrent loans to loans | 1.6618% | 3,278 |
| Net loans and leases to total assets | 61.9365% | 5,633 |
| Net loans and leases to deposits | 67.2838% | 6,527 |
| Net loans and leases to core deposits | 96.1522% | 5,245 |
| Total domestic deposits to total assets | 92.0527% | 127 |
| Equity capital to assets | 6.5133% | 7,935 |
| Core capital (leverage) ratio | 6.4559% | 7,949 |
| Tier 1 risk-based capital ratio | 8.8217% | 7,891 |
| Total risk-based capital ratio | 10.9284% | 7,007 |
| Memoranda: | ||
| Average total assets | $192,201,000 | 3,239 |
| Average earning assets | $181,029,400 | 3,173 |
| Average equity | $13,487,000 | 4,456 |
| Average total loans | $128,027,200 | 3,306 |