Home > Century Bank > Performance and Condition Ratios
Century Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3907% | 1,332 |
| Cost of funding earning assets | 1.2356% | 2,709 |
| Net interest margin | 4.1551% | 998 |
| Noninterest income to average assets | 0.9200% | 737 |
| Noninterest expense to average assets | 3.2629% | 769 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0543% | 2,056 |
| Return on assets (ROA) | 1.0474% | 2,044 |
| Pretax return on assets | 1.3211% | 1,816 |
| Return on Equity (ROE) | 14.0700% | 1,470 |
| Retained earnings to average equity (ytd only) | 9.9484% | 1,025 |
| Net charge-offs to loans | 0.0394% | 1,521 |
| Credit loss provision to net charge-offs | 309.1603% | 935 |
| Earnings coverage of net charge-offs (x) | 51.4046% | 1,274 |
| Efficiency ratio | 70.0165% | 1,873 |
| Assets per employee ($millions) | 4.2896% | 4,050 |
| Cash dividends to net income (ytd only)* | 29.3185% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 1,351 |
| Loan loss allowance to noncurrent loans | 209.6234% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 1,193 |
| Noncurrent loans to loans | 0.6735% | 1,163 |
| Net loans and leases to total assets | 68.5400% | 1,971 |
| Net loans and leases to deposits | 74.8531% | 2,554 |
| Net loans and leases to core deposits | 81.0949% | 2,649 |
| Total domestic deposits to total assets | 91.5700% | 375 |
| Equity capital to assets | 7.5193% | 3,707 |
| Core capital (leverage) ratio | 9.2760% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $481,933,800 | 1,765 |
| Average earning assets | $434,116,200 | 1,796 |
| Average equity | $35,865,200 | 2,017 |
| Average total loans | $332,694,400 | 1,674 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3284% | 1,245 |
| Cost of funding earning assets | 1.1145% | 2,700 |
| Net interest margin | 4.2139% | 901 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 3.1999% | 817 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1059% | 2,036 |
| Return on assets (ROA) | 1.0966% | 2,054 |
| Pretax return on assets | 1.4313% | 1,712 |
| Return on Equity (ROE) | 14.7800% | 1,485 |
| Retained earnings to average equity (ytd only) | 14.2465% | 644 |
| Net charge-offs to loans | 0.0098% | 2,038 |
| Credit loss provision to net charge-offs | 812.5000% | 457 |
| Earnings coverage of net charge-offs (x) | 224.3333% | 547 |
| Efficiency ratio | 67.9123% | 2,027 |
| Assets per employee ($millions) | 3.9117% | 4,203 |
| Cash dividends to net income (ytd only)* | 3.5851% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 1,410 |
| Loan loss allowance to noncurrent loans | 343.8683% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 1,839 |
| Noncurrent loans to loans | 0.4103% | 1,802 |
| Net loans and leases to total assets | 70.1200% | 1,813 |
| Net loans and leases to deposits | 76.5669% | 2,369 |
| Net loans and leases to core deposits | 83.7043% | 2,345 |
| Total domestic deposits to total assets | 91.5800% | 539 |
| Equity capital to assets | 7.1785% | 3,523 |
| Core capital (leverage) ratio | 9.5510% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $474,801,500 | 1,786 |
| Average earning assets | $426,957,000 | 1,819 |
| Average equity | $35,235,750 | 2,035 |
| Average total loans | $327,146,500 | 1,696 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1910% | 1,224 |
| Cost of funding earning assets | 0.9938% | 2,625 |
| Net interest margin | 4.1972% | 936 |
| Noninterest income to average assets | 0.9200% | 658 |
| Noninterest expense to average assets | 3.1965% | 795 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0999% | 2,126 |
| Return on assets (ROA) | 1.0858% | 2,155 |
| Pretax return on assets | 1.4176% | 1,769 |
| Return on Equity (ROE) | 14.4700% | 1,582 |
| Retained earnings to average equity (ytd only) | 13.9565% | 686 |
| Net charge-offs to loans | 0.0081% | 1,908 |
| Credit loss provision to net charge-offs | 1,038.4615% | 395 |
| Earnings coverage of net charge-offs (x) | 271.4615% | 489 |
| Efficiency ratio | 68.0402% | 1,984 |
| Assets per employee ($millions) | 3.9052% | 4,222 |
| Cash dividends to net income (ytd only)* | 3.5266% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,404 |
| Loan loss allowance to noncurrent loans | 322.7243% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 1,666 |
| Noncurrent loans to loans | 0.4448% | 1,607 |
| Net loans and leases to total assets | 69.4300% | 1,804 |
| Net loans and leases to deposits | 77.2795% | 2,193 |
| Net loans and leases to core deposits | 83.0446% | 2,268 |
| Total domestic deposits to total assets | 89.8500% | 967 |
| Equity capital to assets | 7.5227% | 3,501 |
| Core capital (leverage) ratio | 9.5344% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $470,081,667 | 1,797 |
| Average earning assets | $422,617,667 | 1,833 |
| Average equity | $35,281,000 | 2,050 |
| Average total loans | $320,274,333 | 1,702 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9874% | 1,247 |
| Cost of funding earning assets | 0.8743% | 2,458 |
| Net interest margin | 4.1131% | 1,079 |
| Noninterest income to average assets | 0.9300% | 645 |
| Noninterest expense to average assets | 3.1798% | 827 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0591% | 2,352 |
| Return on assets (ROA) | 1.0591% | 2,322 |
| Pretax return on assets | 1.3857% | 1,919 |
| Return on Equity (ROE) | 14.4800% | 1,666 |
| Retained earnings to average equity (ytd only) | 14.0073% | 936 |
| Net charge-offs to loans | 0.0566% | 805 |
| Credit loss provision to net charge-offs | 170.4545% | 898 |
| Earnings coverage of net charge-offs (x) | 38.3409% | 1,202 |
| Efficiency ratio | 68.6781% | 1,896 |
| Assets per employee ($millions) | 3.9570% | 4,277 |
| Cash dividends to net income (ytd only)* | 3.2468% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 1,289 |
| Loan loss allowance to noncurrent loans | 487.3211% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 2,096 |
| Noncurrent loans to loans | 0.3063% | 2,051 |
| Net loans and leases to total assets | 66.8000% | 1,973 |
| Net loans and leases to deposits | 74.9083% | 2,224 |
| Net loans and leases to core deposits | 80.2982% | 2,234 |
| Total domestic deposits to total assets | 89.1700% | 1,478 |
| Equity capital to assets | 7.4601% | 3,584 |
| Core capital (leverage) ratio | 9.2584% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $465,316,000 | 1,836 |
| Average earning assets | $418,172,000 | 1,869 |
| Average equity | $34,039,500 | 2,121 |
| Average total loans | $311,221,500 | 1,752 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3136% | 1,026 |
| Cost of funding earning assets | 0.3350% | 2,589 |
| Net interest margin | 3.9786% | 815 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 3.4278% | 532 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.7444% | 3,497 |
| Return on assets (ROA) | 1.0031% | 2,498 |
| Pretax return on assets | 1.2658% | 2,218 |
| Return on Equity (ROE) | 12.8600% | 1,850 |
| Retained earnings to average equity (ytd only) | 7.9641% | 1,851 |
| Net charge-offs to loans | 0.0128% | 1,904 |
| Credit loss provision to net charge-offs | 1,972.2222% | 264 |
| Earnings coverage of net charge-offs (x) | 138.4722% | 832 |
| Efficiency ratio | 75.8033% | 1,034 |
| Assets per employee ($millions) | 3.6780% | 4,392 |
| Cash dividends to net income (ytd only)* | 38.0744% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 1,043 |
| Loan loss allowance to noncurrent loans | 548.0324% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 2,244 |
| Noncurrent loans to loans | 0.2850% | 2,125 |
| Net loans and leases to total assets | 64.9100% | 2,153 |
| Net loans and leases to deposits | 70.7713% | 2,517 |
| Net loans and leases to core deposits | 73.1201% | 2,637 |
| Total domestic deposits to total assets | 91.7200% | 709 |
| Equity capital to assets | 7.1671% | 3,572 |
| Core capital (leverage) ratio | 9.1178% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $455,595,200 | 1,842 |
| Average earning assets | $410,096,800 | 1,882 |
| Average equity | $35,534,400 | 2,086 |
| Average total loans | $280,368,600 | 1,817 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1302% | 1,008 |
| Cost of funding earning assets | 0.2453% | 2,757 |
| Net interest margin | 3.8849% | 825 |
| Noninterest income to average assets | 0.9600% | 728 |
| Noninterest expense to average assets | 3.2057% | 689 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.9077% | 2,838 |
| Return on assets (ROA) | 1.4015% | 1,057 |
| Pretax return on assets | 1.8189% | 704 |
| Return on Equity (ROE) | 17.6100% | 692 |
| Retained earnings to average equity (ytd only) | 17.0918% | 203 |
| Net charge-offs to loans | 0.0209% | 1,416 |
| Credit loss provision to net charge-offs | 523.2558% | 595 |
| Earnings coverage of net charge-offs (x) | 99.8837% | 951 |
| Efficiency ratio | 71.7880% | 1,545 |
| Assets per employee ($millions) | 3.5844% | 4,464 |
| Cash dividends to net income (ytd only)* | 2.9301% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 1,413 |
| Loan loss allowance to noncurrent loans | 434.7336% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 2,125 |
| Noncurrent loans to loans | 0.3364% | 2,021 |
| Net loans and leases to total assets | 63.2900% | 2,161 |
| Net loans and leases to deposits | 70.0295% | 2,359 |
| Net loans and leases to core deposits | 71.9464% | 2,488 |
| Total domestic deposits to total assets | 90.3800% | 1,487 |
| Equity capital to assets | 7.2908% | 3,347 |
| Core capital (leverage) ratio | 9.7015% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $454,555,500 | 1,853 |
| Average earning assets | $409,747,250 | 1,889 |
| Average equity | $36,180,250 | 2,100 |
| Average total loans | $274,672,750 | 1,833 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 976 |
| Cost of funding earning assets | 0.2127% | 2,737 |
| Net interest margin | 3.7605% | 820 |
| Noninterest income to average assets | 3.0483% | 148 |
| Noninterest expense to average assets | 3.1713% | 660 |
| Loan and lease loss provision to assets | 0.0659% | 1,429 |
| Net operating income to assets | 2.4915% | 111 |
| Return on assets (ROA) | 1.6254% | 505 |
| Pretax return on assets | 2.1145% | 283 |
| Return on Equity (ROE) | 19.8484% | 316 |
| Retained earnings to average equity (ytd only) | 19.3659% | 88 |
| Net charge-offs to loans | 0.0623% | 781 |
| Credit loss provision to net charge-offs | 178.5714% | 1,019 |
| Earnings coverage of net charge-offs (x) | 88.8452% | 871 |
| Efficiency ratio | 49.1829% | 4,301 |
| Assets per employee ($millions) | 3.8065% | 4,450 |
| Cash dividends to net income (ytd only)* | 2.4311% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 1,503 |
| Loan loss allowance to noncurrent loans | 352.5192% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 2,033 |
| Noncurrent loans to loans | 0.4154% | 1,870 |
| Net loans and leases to total assets | 60.8035% | 2,236 |
| Net loans and leases to deposits | 66.7380% | 2,489 |
| Net loans and leases to core deposits | 68.5766% | 2,597 |
| Total domestic deposits to total assets | 91.1078% | 1,178 |
| Equity capital to assets | 7.7317% | 3,324 |
| Core capital (leverage) ratio | 9.4755% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $455,528,000 | 1,859 |
| Average earning assets | $411,806,667 | 1,907 |
| Average equity | $37,302,667 | 2,101 |
| Average total loans | $269,529,000 | 1,851 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8393% | 1,020 |
| Cost of funding earning assets | 0.1911% | 2,929 |
| Net interest margin | 3.6482% | 822 |
| Noninterest income to average assets | 0.9083% | 825 |
| Noninterest expense to average assets | 2.9703% | 856 |
| Loan and lease loss provision to assets | 0.0659% | 1,239 |
| Net operating income to assets | 0.9263% | 2,176 |
| Return on assets (ROA) | 0.9180% | 2,208 |
| Pretax return on assets | 1.1686% | 1,923 |
| Return on Equity (ROE) | 10.9047% | 1,649 |
| Retained earnings to average equity (ytd only) | 10.4869% | 910 |
| Net charge-offs to loans | 0.0167% | 1,198 |
| Credit loss provision to net charge-offs | 681.8182% | 431 |
| Earnings coverage of net charge-offs (x) | 128.7273% | 588 |
| Efficiency ratio | 70.4631% | 2,163 |
| Assets per employee ($millions) | 3.8917% | 4,440 |
| Cash dividends to net income (ytd only)* | 3.8314% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 1,403 |
| Loan loss allowance to noncurrent loans | 297.1902% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 1,859 |
| Noncurrent loans to loans | 0.5214% | 1,724 |
| Net loans and leases to total assets | 57.5550% | 2,350 |
| Net loans and leases to deposits | 63.2410% | 2,597 |
| Net loans and leases to core deposits | 65.2580% | 2,693 |
| Total domestic deposits to total assets | 91.0090% | 1,026 |
| Equity capital to assets | 7.8883% | 3,655 |
| Core capital (leverage) ratio | 9.3469% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $454,902,000 | 1,867 |
| Average earning assets | $412,365,000 | 1,912 |
| Average equity | $38,295,500 | 2,121 |
| Average total loans | $263,360,500 | 1,868 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0178% | 1,318 |
| Cost of funding earning assets | 0.3747% | 1,720 |
| Net interest margin | 3.6431% | 1,356 |
| Noninterest income to average assets | 0.9083% | 1,180 |
| Noninterest expense to average assets | 2.9809% | 1,013 |
| Loan and lease loss provision to assets | 0.0676% | 1,716 |
| Net operating income to assets | 0.9400% | 2,907 |
| Return on assets (ROA) | 1.0154% | 2,691 |
| Pretax return on assets | 1.2766% | 2,432 |
| Return on Equity (ROE) | 11.2532% | 2,074 |
| Retained earnings to average equity (ytd only) | 7.9677% | 1,558 |
| Net charge-offs to loans | 0.1525% | 631 |
| Credit loss provision to net charge-offs | 76.9231% | 1,976 |
| Earnings coverage of net charge-offs (x) | 14.2179% | 2,040 |
| Efficiency ratio | 70.4550% | 1,684 |
| Assets per employee ($millions) | 3.8514% | 4,472 |
| Cash dividends to net income (ytd only)* | 29.1963% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5591% | 1,365 |
| Loan loss allowance to noncurrent loans | 191.8753% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 1,413 |
| Noncurrent loans to loans | 0.8126% | 1,254 |
| Net loans and leases to total assets | 56.4320% | 2,551 |
| Net loans and leases to deposits | 64.2863% | 2,667 |
| Net loans and leases to core deposits | 66.5091% | 2,778 |
| Total domestic deposits to total assets | 87.7823% | 2,158 |
| Equity capital to assets | 8.9495% | 3,673 |
| Core capital (leverage) ratio | 9.0642% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $443,590,800 | 1,856 |
| Average earning assets | $404,575,000 | 1,893 |
| Average equity | $40,024,200 | 2,081 |
| Average total loans | $255,675,600 | 1,898 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8972% | 1,774 |
| Cost of funding earning assets | 0.4687% | 1,225 |
| Net interest margin | 3.4285% | 2,078 |
| Noninterest income to average assets | 0.8837% | 1,287 |
| Noninterest expense to average assets | 2.9356% | 1,068 |
| Loan and lease loss provision to assets | 0.0680% | 1,643 |
| Net operating income to assets | 0.7842% | 3,565 |
| Return on assets (ROA) | 0.8846% | 3,367 |
| Pretax return on assets | 1.1353% | 3,119 |
| Return on Equity (ROE) | 9.7835% | 2,816 |
| Retained earnings to average equity (ytd only) | 9.2483% | 1,596 |
| Net charge-offs to loans | 0.1808% | 477 |
| Credit loss provision to net charge-offs | 65.2174% | 1,781 |
| Earnings coverage of net charge-offs (x) | 10.3159% | 2,041 |
| Efficiency ratio | 73.1720% | 1,290 |
| Assets per employee ($millions) | 3.7814% | 4,550 |
| Cash dividends to net income (ytd only)* | 5.4701% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 1,339 |
| Loan loss allowance to noncurrent loans | 284.7458% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 2,213 |
| Noncurrent loans to loans | 0.5625% | 1,908 |
| Net loans and leases to total assets | 54.5903% | 2,895 |
| Net loans and leases to deposits | 62.3743% | 3,004 |
| Net loans and leases to core deposits | 64.4474% | 3,089 |
| Total domestic deposits to total assets | 87.5206% | 2,096 |
| Equity capital to assets | 9.0634% | 3,773 |
| Core capital (leverage) ratio | 9.3078% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $440,870,750 | 1,886 |
| Average earning assets | $402,265,250 | 1,913 |
| Average equity | $39,862,000 | 2,114 |
| Average total loans | $254,462,250 | 1,933 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8835% | 1,858 |
| Cost of funding earning assets | 0.5563% | 911 |
| Net interest margin | 3.3272% | 2,356 |
| Noninterest income to average assets | 0.8956% | 1,285 |
| Noninterest expense to average assets | 2.9379% | 1,087 |
| Loan and lease loss provision to assets | 0.0687% | 1,676 |
| Net operating income to assets | 0.7174% | 3,717 |
| Return on assets (ROA) | 0.8690% | 3,380 |
| Pretax return on assets | 1.1141% | 3,167 |
| Return on Equity (ROE) | 9.6196% | 2,903 |
| Retained earnings to average equity (ytd only) | 9.0618% | 1,691 |
| Net charge-offs to loans | 0.1324% | 600 |
| Credit loss provision to net charge-offs | 88.7574% | 1,441 |
| Earnings coverage of net charge-offs (x) | 12.7988% | 1,708 |
| Efficiency ratio | 74.7785% | 1,178 |
| Assets per employee ($millions) | 3.6619% | 4,615 |
| Cash dividends to net income (ytd only)* | 5.7986% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6397% | 1,194 |
| Loan loss allowance to noncurrent loans | 453.6773% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 2,905 |
| Noncurrent loans to loans | 0.3614% | 2,606 |
| Net loans and leases to total assets | 56.4206% | 2,851 |
| Net loans and leases to deposits | 64.6976% | 2,930 |
| Net loans and leases to core deposits | 66.7838% | 3,046 |
| Total domestic deposits to total assets | 87.2066% | 2,215 |
| Equity capital to assets | 9.1134% | 3,694 |
| Core capital (leverage) ratio | 9.1375% | 3,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $436,570,667 | 1,891 |
| Average earning assets | $397,992,000 | 1,916 |
| Average equity | $39,440,333 | 2,120 |
| Average total loans | $255,367,333 | 1,937 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8825% | 1,874 |
| Cost of funding earning assets | 0.7842% | 389 |
| Net interest margin | 3.0983% | 2,991 |
| Noninterest income to average assets | 0.8512% | 1,455 |
| Noninterest expense to average assets | 2.8469% | 1,266 |
| Loan and lease loss provision to assets | 0.0689% | 1,774 |
| Net operating income to assets | 0.5842% | 3,983 |
| Return on assets (ROA) | 0.8871% | 3,243 |
| Pretax return on assets | 1.1408% | 3,009 |
| Return on Equity (ROE) | 9.8628% | 2,743 |
| Retained earnings to average equity (ytd only) | 9.4540% | 1,809 |
| Net charge-offs to loans | 0.0965% | 701 |
| Credit loss provision to net charge-offs | 120.9677% | 1,041 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,362 |
| Efficiency ratio | 77.5025% | 998 |
| Assets per employee ($millions) | 3.8525% | 4,559 |
| Cash dividends to net income (ytd only)* | 4.1451% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,281 |
| Loan loss allowance to noncurrent loans | 250.9036% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 2,314 |
| Noncurrent loans to loans | 0.6398% | 1,975 |
| Net loans and leases to total assets | 57.1285% | 2,893 |
| Net loans and leases to deposits | 65.0745% | 3,016 |
| Net loans and leases to core deposits | 67.1130% | 3,149 |
| Total domestic deposits to total assets | 87.7895% | 1,953 |
| Equity capital to assets | 8.7233% | 3,938 |
| Core capital (leverage) ratio | 9.4259% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $435,141,000 | 1,883 |
| Average earning assets | $396,344,000 | 1,915 |
| Average equity | $39,137,000 | 2,121 |
| Average total loans | $257,020,000 | 1,927 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6166% | 1,069 |
| Cost of funding earning assets | 0.5918% | 2,372 |
| Net interest margin | 4.0247% | 928 |
| Noninterest income to average assets | 1.0039% | 1,036 |
| Noninterest expense to average assets | 3.2154% | 1,030 |
| Loan and lease loss provision to assets | 0.3339% | 1,060 |
| Net operating income to assets | 0.8598% | 2,862 |
| Return on assets (ROA) | 0.9640% | 2,570 |
| Pretax return on assets | 1.1961% | 2,336 |
| Return on Equity (ROE) | 9.8268% | 2,066 |
| Retained earnings to average equity (ytd only) | 6.2964% | 1,664 |
| Net charge-offs to loans | 0.1805% | 930 |
| Credit loss provision to net charge-offs | 293.8356% | 1,763 |
| Earnings coverage of net charge-offs (x) | 12.3333% | 2,340 |
| Efficiency ratio | 69.6466% | 1,999 |
| Assets per employee ($millions) | 3.6816% | 4,572 |
| Cash dividends to net income (ytd only)* | 35.9257% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 1,215 |
| Loan loss allowance to noncurrent loans | 273.6981% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 2,528 |
| Noncurrent loans to loans | 0.5959% | 2,208 |
| Net loans and leases to total assets | 59.1465% | 2,967 |
| Net loans and leases to deposits | 69.4973% | 2,937 |
| Net loans and leases to core deposits | 72.0890% | 3,066 |
| Total domestic deposits to total assets | 85.1061% | 2,717 |
| Equity capital to assets | 9.2799% | 3,808 |
| Core capital (leverage) ratio | 9.4288% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,488,000 | 1,903 |
| Average earning assets | $346,036,800 | 1,952 |
| Average equity | $37,815,000 | 2,098 |
| Average total loans | $242,638,000 | 1,955 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 1,448 |
| Cost of funding earning assets | 0.6425% | 2,372 |
| Net interest margin | 3.9088% | 1,333 |
| Noninterest income to average assets | 1.0393% | 964 |
| Noninterest expense to average assets | 3.2353% | 1,010 |
| Loan and lease loss provision to assets | 0.2040% | 1,960 |
| Net operating income to assets | 0.8540% | 2,893 |
| Return on assets (ROA) | 0.9801% | 2,548 |
| Pretax return on assets | 1.2584% | 2,193 |
| Return on Equity (ROE) | 9.8414% | 2,074 |
| Retained earnings to average equity (ytd only) | 9.2183% | 931 |
| Net charge-offs to loans | 0.2287% | 668 |
| Credit loss provision to net charge-offs | 139.9027% | 2,384 |
| Earnings coverage of net charge-offs (x) | 8.9392% | 2,460 |
| Efficiency ratio | 71.2924% | 1,719 |
| Assets per employee ($millions) | 3.6340% | 4,591 |
| Cash dividends to net income (ytd only)* | 6.3314% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 1,996 |
| Loan loss allowance to noncurrent loans | 347.6429% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 3,232 |
| Noncurrent loans to loans | 0.3858% | 2,910 |
| Net loans and leases to total assets | 60.4854% | 3,170 |
| Net loans and leases to deposits | 71.3997% | 3,188 |
| Net loans and leases to core deposits | 74.3588% | 3,294 |
| Total domestic deposits to total assets | 84.7138% | 2,544 |
| Equity capital to assets | 9.3789% | 3,788 |
| Core capital (leverage) ratio | 9.9201% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,013,000 | 1,919 |
| Average earning assets | $336,569,500 | 1,974 |
| Average equity | $37,446,250 | 2,105 |
| Average total loans | $239,654,750 | 1,974 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7275% | 1,340 |
| Cost of funding earning assets | 0.7144% | 2,309 |
| Net interest margin | 4.0132% | 1,286 |
| Noninterest income to average assets | 1.1146% | 802 |
| Noninterest expense to average assets | 3.3727% | 891 |
| Loan and lease loss provision to assets | 0.2771% | 1,545 |
| Net operating income to assets | 0.8104% | 3,007 |
| Return on assets (ROA) | 1.0005% | 2,446 |
| Pretax return on assets | 1.2831% | 2,092 |
| Return on Equity (ROE) | 9.8232% | 2,041 |
| Retained earnings to average equity (ytd only) | 9.1429% | 970 |
| Net charge-offs to loans | 0.3393% | 478 |
| Credit loss provision to net charge-offs | 126.2626% | 2,249 |
| Earnings coverage of net charge-offs (x) | 6.0126% | 2,471 |
| Efficiency ratio | 71.8757% | 1,699 |
| Assets per employee ($millions) | 3.3985% | 4,713 |
| Cash dividends to net income (ytd only)* | 6.9252% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 1,739 |
| Loan loss allowance to noncurrent loans | 209.4711% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 2,651 |
| Noncurrent loans to loans | 0.6476% | 2,246 |
| Net loans and leases to total assets | 61.7645% | 3,146 |
| Net loans and leases to deposits | 73.3649% | 3,134 |
| Net loans and leases to core deposits | 76.7724% | 3,226 |
| Total domestic deposits to total assets | 84.1881% | 2,683 |
| Equity capital to assets | 9.5352% | 3,631 |
| Core capital (leverage) ratio | 10.2742% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $360,836,333 | 1,957 |
| Average earning assets | $321,690,667 | 2,014 |
| Average equity | $36,749,667 | 2,123 |
| Average total loans | $233,393,667 | 1,991 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1001% | 792 |
| Cost of funding earning assets | 0.8934% | 1,904 |
| Net interest margin | 4.2067% | 906 |
| Noninterest income to average assets | 1.0330% | 802 |
| Noninterest expense to average assets | 3.4560% | 999 |
| Loan and lease loss provision to assets | 0.0880% | 2,588 |
| Net operating income to assets | 0.9404% | 2,375 |
| Return on assets (ROA) | 1.0777% | 2,016 |
| Pretax return on assets | 1.3829% | 1,616 |
| Return on Equity (ROE) | 10.1986% | 1,681 |
| Retained earnings to average equity (ytd only) | 9.3098% | 892 |
| Net charge-offs to loans | 0.4935% | 294 |
| Credit loss provision to net charge-offs | 27.0758% | 2,167 |
| Earnings coverage of net charge-offs (x) | 3.9892% | 2,168 |
| Efficiency ratio | 72.7093% | 1,971 |
| Assets per employee ($millions) | 2.9775% | 4,809 |
| Cash dividends to net income (ytd only)* | 8.7146% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 1,686 |
| Loan loss allowance to noncurrent loans | 323.7410% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 3,307 |
| Noncurrent loans to loans | 0.4334% | 2,952 |
| Net loans and leases to total assets | 63.5447% | 3,120 |
| Net loans and leases to deposits | 76.7578% | 3,006 |
| Net loans and leases to core deposits | 81.1597% | 3,098 |
| Total domestic deposits to total assets | 82.7859% | 3,180 |
| Equity capital to assets | 10.2510% | 3,555 |
| Core capital (leverage) ratio | 10.7757% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,740,500 | 1,994 |
| Average earning assets | $301,326,500 | 2,067 |
| Average equity | $36,005,000 | 2,140 |
| Average total loans | $224,541,000 | 2,024 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1977% | 999 |
| Cost of funding earning assets | 0.8051% | 2,659 |
| Net interest margin | 4.3926% | 904 |
| Noninterest income to average assets | 1.2548% | 602 |
| Noninterest expense to average assets | 3.7273% | 735 |
| Loan and lease loss provision to assets | 0.0997% | 2,061 |
| Net operating income to assets | 1.0883% | 2,485 |
| Return on assets (ROA) | 1.0953% | 2,563 |
| Pretax return on assets | 1.3306% | 2,393 |
| Return on Equity (ROE) | 10.1801% | 2,218 |
| Retained earnings to average equity (ytd only) | 6.0037% | 1,867 |
| Net charge-offs to loans | 0.1523% | 1,303 |
| Credit loss provision to net charge-offs | 97.8916% | 2,537 |
| Earnings coverage of net charge-offs (x) | 13.9608% | 2,315 |
| Efficiency ratio | 72.3893% | 1,812 |
| Assets per employee ($millions) | 2.8230% | 4,898 |
| Cash dividends to net income (ytd only)* | 41.0249% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 1,304 |
| Loan loss allowance to noncurrent loans | 273.7977% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 2,928 |
| Noncurrent loans to loans | 0.5370% | 2,565 |
| Net loans and leases to total assets | 66.4221% | 2,903 |
| Net loans and leases to deposits | 80.6348% | 2,703 |
| Net loans and leases to core deposits | 85.2674% | 2,849 |
| Total domestic deposits to total assets | 82.3740% | 3,407 |
| Equity capital to assets | 10.8968% | 3,096 |
| Core capital (leverage) ratio | 10.6925% | 2,768 |
| Tier 1 risk-based capital ratio | 14.3028% | 3,121 |
| Total risk-based capital ratio | 15.5535% | 3,035 |
| Memoranda: | ||
| Average total assets | $326,023,200 | 2,005 |
| Average earning assets | $289,032,400 | 2,092 |
| Average equity | $35,078,200 | 2,132 |
| Average total loans | $217,937,600 | 2,042 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1724% | 1,102 |
| Cost of funding earning assets | 0.8146% | 2,637 |
| Net interest margin | 4.3578% | 1,040 |
| Noninterest income to average assets | 1.1094% | 738 |
| Noninterest expense to average assets | 3.5083% | 936 |
| Loan and lease loss provision to assets | 0.0925% | 2,059 |
| Net operating income to assets | 1.0815% | 2,649 |
| Return on assets (ROA) | 1.0893% | 2,706 |
| Pretax return on assets | 1.3812% | 2,379 |
| Return on Equity (ROE) | 10.1570% | 2,369 |
| Retained earnings to average equity (ytd only) | 9.4669% | 906 |
| Net charge-offs to loans | 0.1295% | 1,231 |
| Credit loss provision to net charge-offs | 107.1429% | 2,130 |
| Earnings coverage of net charge-offs (x) | 16.9526% | 2,117 |
| Efficiency ratio | 70.5590% | 2,046 |
| Assets per employee ($millions) | 2.8024% | 4,971 |
| Cash dividends to net income (ytd only)* | 6.7949% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 1,234 |
| Loan loss allowance to noncurrent loans | 298.5624% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 3,126 |
| Noncurrent loans to loans | 0.5044% | 2,783 |
| Net loans and leases to total assets | 65.7267% | 3,082 |
| Net loans and leases to deposits | 78.6311% | 3,038 |
| Net loans and leases to core deposits | 83.3810% | 3,141 |
| Total domestic deposits to total assets | 83.5887% | 2,969 |
| Equity capital to assets | 11.1083% | 3,002 |
| Core capital (leverage) ratio | 10.8118% | 2,823 |
| Tier 1 risk-based capital ratio | 14.7637% | 2,970 |
| Total risk-based capital ratio | 16.0149% | 2,892 |
| Memoranda: | ||
| Average total assets | $324,250,250 | 2,020 |
| Average earning assets | $287,413,250 | 2,113 |
| Average equity | $34,773,000 | 2,159 |
| Average total loans | $216,281,000 | 2,065 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1102% | 1,189 |
| Cost of funding earning assets | 0.7802% | 2,744 |
| Net interest margin | 4.3300% | 1,082 |
| Noninterest income to average assets | 1.0934% | 712 |
| Noninterest expense to average assets | 3.5038% | 955 |
| Loan and lease loss provision to assets | 0.0931% | 1,986 |
| Net operating income to assets | 1.0557% | 2,699 |
| Return on assets (ROA) | 1.0587% | 2,749 |
| Pretax return on assets | 1.3356% | 2,423 |
| Return on Equity (ROE) | 9.9942% | 2,393 |
| Retained earnings to average equity (ytd only) | 9.3494% | 947 |
| Net charge-offs to loans | 0.1629% | 982 |
| Credit loss provision to net charge-offs | 85.7143% | 2,173 |
| Earnings coverage of net charge-offs (x) | 13.1143% | 2,120 |
| Efficiency ratio | 71.0884% | 2,057 |
| Assets per employee ($millions) | 2.9231% | 4,950 |
| Cash dividends to net income (ytd only)* | 6.4516% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 1,262 |
| Loan loss allowance to noncurrent loans | 166.2278% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.6321% | 2,141 |
| Noncurrent loans to loans | 0.9054% | 1,807 |
| Net loans and leases to total assets | 65.0424% | 3,231 |
| Net loans and leases to deposits | 77.4675% | 3,197 |
| Net loans and leases to core deposits | 84.7022% | 3,058 |
| Total domestic deposits to total assets | 83.9609% | 2,886 |
| Equity capital to assets | 10.7825% | 3,282 |
| Core capital (leverage) ratio | 10.9169% | 2,671 |
| Tier 1 risk-based capital ratio | 14.5413% | 3,046 |
| Total risk-based capital ratio | 15.7922% | 2,968 |
| Memoranda: | ||
| Average total assets | $322,107,000 | 2,036 |
| Average earning assets | $285,310,330 | 2,134 |
| Average equity | $34,119,670 | 2,188 |
| Average total loans | $214,818,670 | 2,082 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1179% | 1,062 |
| Cost of funding earning assets | 0.7772% | 2,650 |
| Net interest margin | 4.3407% | 1,023 |
| Noninterest income to average assets | 1.1220% | 647 |
| Noninterest expense to average assets | 3.5773% | 870 |
| Loan and lease loss provision to assets | 0.0943% | 1,844 |
| Net operating income to assets | 1.0299% | 2,746 |
| Return on assets (ROA) | 1.0339% | 2,766 |
| Pretax return on assets | 1.2981% | 2,460 |
| Return on Equity (ROE) | 9.8527% | 2,431 |
| Retained earnings to average equity (ytd only) | 9.3733% | 1,200 |
| Net charge-offs to loans | 0.1314% | 952 |
| Credit loss provision to net charge-offs | 107.1429% | 1,515 |
| Earnings coverage of net charge-offs (x) | 15.7571% | 1,729 |
| Efficiency ratio | 72.0547% | 2,035 |
| Assets per employee ($millions) | 2.8334% | 5,055 |
| Cash dividends to net income (ytd only)* | 4.8662% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 1,183 |
| Loan loss allowance to noncurrent loans | 223.3154% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 2,638 |
| Noncurrent loans to loans | 0.6943% | 2,284 |
| Net loans and leases to total assets | 65.1494% | 3,156 |
| Net loans and leases to deposits | 78.1864% | 3,040 |
| Net loans and leases to core deposits | 85.2868% | 2,932 |
| Total domestic deposits to total assets | 83.3257% | 3,274 |
| Equity capital to assets | 10.5729% | 3,282 |
| Core capital (leverage) ratio | 10.8410% | 2,725 |
| Tier 1 risk-based capital ratio | 14.4980% | 3,102 |
| Total risk-based capital ratio | 15.7494% | 3,027 |
| Memoranda: | ||
| Average total assets | $318,004,500 | 2,071 |
| Average earning assets | $281,520,500 | 2,170 |
| Average equity | $33,371,500 | 2,228 |
| Average total loans | $213,165,000 | 2,112 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0639% | 922 |
| Cost of funding earning assets | 0.6447% | 2,429 |
| Net interest margin | 4.4192% | 895 |
| Noninterest income to average assets | 1.2362% | 610 |
| Noninterest expense to average assets | 3.5480% | 934 |
| Loan and lease loss provision to assets | 0.1616% | 1,265 |
| Net operating income to assets | 1.1325% | 2,461 |
| Return on assets (ROA) | 1.1135% | 2,542 |
| Pretax return on assets | 1.4134% | 2,090 |
| Return on Equity (ROE) | 10.8212% | 2,159 |
| Retained earnings to average equity (ytd only) | 6.6170% | 1,855 |
| Net charge-offs to loans | 0.1080% | 1,666 |
| Credit loss provision to net charge-offs | 222.3214% | 1,313 |
| Earnings coverage of net charge-offs (x) | 21.9955% | 1,921 |
| Efficiency ratio | 68.9325% | 2,400 |
| Assets per employee ($millions) | 2.7946% | 5,094 |
| Cash dividends to net income (ytd only)* | 38.8516% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5562% | 1,125 |
| Loan loss allowance to noncurrent loans | 196.7876% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 2,159 |
| Noncurrent loans to loans | 0.7908% | 2,029 |
| Net loans and leases to total assets | 66.8593% | 3,017 |
| Net loans and leases to deposits | 81.6289% | 2,781 |
| Net loans and leases to core deposits | 89.0843% | 2,645 |
| Total domestic deposits to total assets | 81.9065% | 3,665 |
| Equity capital to assets | 10.4126% | 3,271 |
| Core capital (leverage) ratio | 10.6363% | 2,903 |
| Tier 1 risk-based capital ratio | 14.3470% | 3,142 |
| Total risk-based capital ratio | 15.5988% | 3,054 |
| Memoranda: | ||
| Average total assets | $308,121,200 | 2,102 |
| Average earning assets | $272,672,800 | 2,178 |
| Average equity | $31,706,400 | 2,239 |
| Average total loans | $207,421,400 | 2,118 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9932% | 951 |
| Cost of funding earning assets | 0.6013% | 2,467 |
| Net interest margin | 4.3919% | 912 |
| Noninterest income to average assets | 1.0631% | 840 |
| Noninterest expense to average assets | 3.4590% | 1,038 |
| Loan and lease loss provision to assets | 0.0912% | 2,153 |
| Net operating income to assets | 1.1111% | 2,614 |
| Return on assets (ROA) | 1.1265% | 2,559 |
| Pretax return on assets | 1.4228% | 2,144 |
| Return on Equity (ROE) | 10.9805% | 2,183 |
| Retained earnings to average equity (ytd only) | 10.2183% | 851 |
| Net charge-offs to loans | 0.0931% | 1,568 |
| Credit loss provision to net charge-offs | 145.8333% | 1,748 |
| Earnings coverage of net charge-offs (x) | 23.8883% | 1,835 |
| Efficiency ratio | 69.8299% | 2,222 |
| Assets per employee ($millions) | 2.8520% | 5,130 |
| Cash dividends to net income (ytd only)* | 6.9416% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 1,578 |
| Loan loss allowance to noncurrent loans | 159.0559% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 2,226 |
| Noncurrent loans to loans | 0.9013% | 1,894 |
| Net loans and leases to total assets | 67.3249% | 3,034 |
| Net loans and leases to deposits | 83.8575% | 2,613 |
| Net loans and leases to core deposits | 91.0323% | 2,557 |
| Total domestic deposits to total assets | 80.2849% | 4,043 |
| Equity capital to assets | 10.1692% | 3,474 |
| Core capital (leverage) ratio | 10.9009% | 2,677 |
| Tier 1 risk-based capital ratio | 14.3232% | 3,202 |
| Total risk-based capital ratio | 15.5735% | 3,123 |
| Memoranda: | ||
| Average total assets | $306,902,500 | 2,120 |
| Average earning assets | $271,855,000 | 2,194 |
| Average equity | $31,485,250 | 2,253 |
| Average total loans | $206,133,000 | 2,138 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 871 |
| Cost of funding earning assets | 0.5641% | 2,480 |
| Net interest margin | 4.4082% | 835 |
| Noninterest income to average assets | 1.0906% | 811 |
| Noninterest expense to average assets | 3.5228% | 969 |
| Loan and lease loss provision to assets | 0.0889% | 2,141 |
| Net operating income to assets | 1.0936% | 2,609 |
| Return on assets (ROA) | 1.1170% | 2,529 |
| Pretax return on assets | 1.4094% | 2,111 |
| Return on Equity (ROE) | 10.8546% | 2,175 |
| Retained earnings to average equity (ytd only) | 10.0546% | 914 |
| Net charge-offs to loans | 0.1174% | 1,226 |
| Credit loss provision to net charge-offs | 113.4454% | 1,855 |
| Earnings coverage of net charge-offs (x) | 18.7395% | 1,882 |
| Efficiency ratio | 70.5766% | 2,228 |
| Assets per employee ($millions) | 2.7818% | 5,226 |
| Cash dividends to net income (ytd only)* | 7.3703% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 1,510 |
| Loan loss allowance to noncurrent loans | 238.0952% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.4673% | 2,876 |
| Noncurrent loans to loans | 0.6145% | 2,573 |
| Net loans and leases to total assets | 66.5260% | 3,069 |
| Net loans and leases to deposits | 82.0624% | 2,763 |
| Net loans and leases to core deposits | 87.0691% | 2,814 |
| Total domestic deposits to total assets | 81.0676% | 3,976 |
| Equity capital to assets | 10.2744% | 3,365 |
| Core capital (leverage) ratio | 10.8612% | 2,648 |
| Tier 1 risk-based capital ratio | 14.3284% | 3,192 |
| Total risk-based capital ratio | 15.5789% | 3,115 |
| Memoranda: | ||
| Average total assets | $303,678,670 | 2,145 |
| Average earning assets | $268,729,330 | 2,216 |
| Average equity | $31,249,330 | 2,274 |
| Average total loans | $202,766,330 | 2,163 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9748% | 733 |
| Cost of funding earning assets | 0.5544% | 2,363 |
| Net interest margin | 4.4204% | 732 |
| Noninterest income to average assets | 1.0321% | 853 |
| Noninterest expense to average assets | 3.5719% | 900 |
| Loan and lease loss provision to assets | 0.0877% | 2,046 |
| Net operating income to assets | 1.0165% | 2,793 |
| Return on assets (ROA) | 1.0879% | 2,497 |
| Pretax return on assets | 1.3708% | 2,100 |
| Return on Equity (ROE) | 10.5638% | 2,146 |
| Retained earnings to average equity (ytd only) | 9.8544% | 1,207 |
| Net charge-offs to loans | 0.1201% | 1,067 |
| Credit loss provision to net charge-offs | 110.0000% | 1,455 |
| Earnings coverage of net charge-offs (x) | 17.1667% | 1,594 |
| Efficiency ratio | 72.3044% | 2,148 |
| Assets per employee ($millions) | 2.7390% | 5,317 |
| Cash dividends to net income (ytd only)* | 6.7155% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 1,425 |
| Loan loss allowance to noncurrent loans | 309.0447% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 3,385 |
| Noncurrent loans to loans | 0.4890% | 3,053 |
| Net loans and leases to total assets | 65.7795% | 3,066 |
| Net loans and leases to deposits | 79.8631% | 2,822 |
| Net loans and leases to core deposits | 84.6585% | 2,920 |
| Total domestic deposits to total assets | 82.3653% | 3,857 |
| Equity capital to assets | 10.3043% | 3,276 |
| Core capital (leverage) ratio | 10.7110% | 2,727 |
| Tier 1 risk-based capital ratio | 14.4021% | 3,169 |
| Total risk-based capital ratio | 15.6530% | 3,083 |
| Memoranda: | ||
| Average total assets | $301,129,500 | 2,184 |
| Average earning assets | $266,221,000 | 2,264 |
| Average equity | $31,011,500 | 2,304 |
| Average total loans | $199,916,000 | 2,199 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9265% | 753 |
| Cost of funding earning assets | 0.4635% | 2,658 |
| Net interest margin | 4.4630% | 678 |
| Noninterest income to average assets | 1.4327% | 521 |
| Noninterest expense to average assets | 3.7611% | 731 |
| Loan and lease loss provision to assets | 0.0962% | 2,286 |
| Net operating income to assets | 0.8940% | 2,746 |
| Return on assets (ROA) | 0.8788% | 2,843 |
| Pretax return on assets | 1.4903% | 1,684 |
| Return on Equity (ROE) | 8.2458% | 2,674 |
| Retained earnings to average equity (ytd only) | 3.7831% | 2,959 |
| Net charge-offs to loans | 0.0589% | 2,632 |
| Credit loss provision to net charge-offs | 246.9027% | 1,117 |
| Earnings coverage of net charge-offs (x) | 41.3186% | 1,235 |
| Efficiency ratio | 70.0205% | 2,542 |
| Assets per employee ($millions) | 2.8128% | 5,312 |
| Cash dividends to net income (ytd only)* | 54.1209% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 1,301 |
| Loan loss allowance to noncurrent loans | 260.8881% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 3,073 |
| Noncurrent loans to loans | 0.5896% | 2,747 |
| Net loans and leases to total assets | 64.9731% | 3,231 |
| Net loans and leases to deposits | 81.0847% | 2,808 |
| Net loans and leases to core deposits | 85.4357% | 2,949 |
| Total domestic deposits to total assets | 80.1300% | 4,314 |
| Equity capital to assets | 10.2925% | 3,392 |
| Core capital (leverage) ratio | 10.5441% | 2,794 |
| Tier 1 risk-based capital ratio | 14.1924% | 3,262 |
| Total risk-based capital ratio | 15.4437% | 3,160 |
| Memoranda: | ||
| Average total assets | $289,940,800 | 2,217 |
| Average earning assets | $255,883,600 | 2,312 |
| Average equity | $30,900,400 | 2,298 |
| Average total loans | $191,870,600 | 2,229 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9145% | 737 |
| Cost of funding earning assets | 0.4433% | 2,774 |
| Net interest margin | 4.4712% | 636 |
| Noninterest income to average assets | 1.0664% | 898 |
| Noninterest expense to average assets | 3.6816% | 787 |
| Loan and lease loss provision to assets | 0.0989% | 2,137 |
| Net operating income to assets | 0.8581% | 3,238 |
| Return on assets (ROA) | 0.8640% | 3,254 |
| Pretax return on assets | 1.2419% | 2,741 |
| Return on Equity (ROE) | 8.0349% | 3,111 |
| Retained earnings to average equity (ytd only) | 7.3441% | 1,522 |
| Net charge-offs to loans | 0.0694% | 2,130 |
| Credit loss provision to net charge-offs | 215.1515% | 1,278 |
| Earnings coverage of net charge-offs (x) | 28.9892% | 1,594 |
| Efficiency ratio | 73.4259% | 1,986 |
| Assets per employee ($millions) | 2.7716% | 5,403 |
| Cash dividends to net income (ytd only)* | 8.5976% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 1,387 |
| Loan loss allowance to noncurrent loans | 226.2246% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 2,997 |
| Noncurrent loans to loans | 0.6815% | 2,664 |
| Net loans and leases to total assets | 64.0445% | 3,392 |
| Net loans and leases to deposits | 82.6576% | 2,700 |
| Net loans and leases to core deposits | 86.9045% | 2,878 |
| Total domestic deposits to total assets | 77.4817% | 4,807 |
| Equity capital to assets | 10.6834% | 3,181 |
| Core capital (leverage) ratio | 11.0215% | 2,439 |
| Tier 1 risk-based capital ratio | 14.4570% | 3,209 |
| Total risk-based capital ratio | 15.7079% | 3,121 |
| Memoranda: | ||
| Average total assets | $287,184,500 | 2,255 |
| Average earning assets | $253,557,000 | 2,346 |
| Average equity | $30,881,250 | 2,314 |
| Average total loans | $190,187,750 | 2,253 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9289% | 651 |
| Cost of funding earning assets | 0.4303% | 2,800 |
| Net interest margin | 4.4986% | 566 |
| Noninterest income to average assets | 1.0624% | 893 |
| Noninterest expense to average assets | 3.7268% | 748 |
| Loan and lease loss provision to assets | 0.1038% | 1,950 |
| Net operating income to assets | 0.8325% | 3,238 |
| Return on assets (ROA) | 0.8385% | 3,263 |
| Pretax return on assets | 1.2058% | 2,749 |
| Return on Equity (ROE) | 7.7797% | 3,155 |
| Retained earnings to average equity (ytd only) | 7.0587% | 1,570 |
| Net charge-offs to loans | 0.0827% | 1,783 |
| Credit loss provision to net charge-offs | 188.4615% | 1,328 |
| Earnings coverage of net charge-offs (x) | 23.6154% | 1,673 |
| Efficiency ratio | 74.1219% | 1,987 |
| Assets per employee ($millions) | 2.5590% | 5,530 |
| Cash dividends to net income (ytd only)* | 9.2671% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 1,339 |
| Loan loss allowance to noncurrent loans | 290.0000% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 3,302 |
| Noncurrent loans to loans | 0.5407% | 3,130 |
| Net loans and leases to total assets | 64.2143% | 3,360 |
| Net loans and leases to deposits | 79.2813% | 2,996 |
| Net loans and leases to core deposits | 84.1090% | 3,057 |
| Total domestic deposits to total assets | 80.9955% | 4,186 |
| Equity capital to assets | 10.8721% | 2,947 |
| Core capital (leverage) ratio | 11.0037% | 2,400 |
| Tier 1 risk-based capital ratio | 14.5738% | 3,126 |
| Total risk-based capital ratio | 15.8251% | 3,044 |
| Memoranda: | ||
| Average total assets | $283,134,670 | 2,289 |
| Average earning assets | $249,590,000 | 2,382 |
| Average equity | $30,515,330 | 2,338 |
| Average total loans | $188,680,670 | 2,270 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9667% | 555 |
| Cost of funding earning assets | 0.4234% | 2,783 |
| Net interest margin | 4.5433% | 487 |
| Noninterest income to average assets | 1.0553% | 903 |
| Noninterest expense to average assets | 3.7627% | 709 |
| Loan and lease loss provision to assets | 0.1014% | 1,870 |
| Net operating income to assets | 0.8341% | 3,063 |
| Return on assets (ROA) | 0.8411% | 3,082 |
| Pretax return on assets | 1.2009% | 2,591 |
| Return on Equity (ROE) | 7.8392% | 3,003 |
| Retained earnings to average equity (ytd only) | 7.1738% | 1,794 |
| Net charge-offs to loans | 0.1420% | 1,089 |
| Credit loss provision to net charge-offs | 105.9701% | 1,510 |
| Earnings coverage of net charge-offs (x) | 13.5075% | 1,778 |
| Efficiency ratio | 74.4350% | 2,156 |
| Assets per employee ($millions) | 2.5188% | 5,616 |
| Cash dividends to net income (ytd only)* | 8.4890% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 1,532 |
| Loan loss allowance to noncurrent loans | 224.2636% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 2,431 |
| Noncurrent loans to loans | 0.6880% | 2,782 |
| Net loans and leases to total assets | 64.8618% | 3,136 |
| Net loans and leases to deposits | 78.7472% | 2,897 |
| Net loans and leases to core deposits | 83.3383% | 2,962 |
| Total domestic deposits to total assets | 82.3671% | 4,068 |
| Equity capital to assets | 10.7030% | 2,959 |
| Core capital (leverage) ratio | 11.0015% | 2,358 |
| Tier 1 risk-based capital ratio | 14.3414% | 3,292 |
| Total risk-based capital ratio | 15.5923% | 3,206 |
| Memoranda: | ||
| Average total assets | $280,120,500 | 2,324 |
| Average earning assets | $246,604,000 | 2,422 |
| Average equity | $30,054,000 | 2,372 |
| Average total loans | $188,700,000 | 2,285 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 542 |
| Cost of funding earning assets | 0.3877% | 3,125 |
| Net interest margin | 4.6624% | 447 |
| Noninterest income to average assets | 1.1306% | 894 |
| Noninterest expense to average assets | 3.8808% | 708 |
| Loan and lease loss provision to assets | 0.0975% | 2,420 |
| Net operating income to assets | 0.8836% | 2,911 |
| Return on assets (ROA) | 0.8857% | 3,019 |
| Pretax return on assets | 1.2563% | 2,445 |
| Return on Equity (ROE) | 8.0024% | 2,932 |
| Retained earnings to average equity (ytd only) | 4.7474% | 2,513 |
| Net charge-offs to loans | 0.1607% | 1,676 |
| Credit loss provision to net charge-offs | 88.8889% | 2,817 |
| Earnings coverage of net charge-offs (x) | 12.3098% | 2,463 |
| Efficiency ratio | 74.1790% | 2,266 |
| Assets per employee ($millions) | 2.4177% | 5,701 |
| Cash dividends to net income (ytd only)* | 40.6758% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,598 |
| Loan loss allowance to noncurrent loans | 211.2655% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.7986% | 2,357 |
| Noncurrent loans to loans | 0.7199% | 2,737 |
| Net loans and leases to total assets | 67.8502% | 2,795 |
| Net loans and leases to deposits | 82.8488% | 2,566 |
| Net loans and leases to core deposits | 87.5547% | 2,717 |
| Total domestic deposits to total assets | 81.8964% | 4,103 |
| Equity capital to assets | 10.7558% | 2,860 |
| Core capital (leverage) ratio | 10.9248% | 2,416 |
| Tier 1 risk-based capital ratio | 14.2264% | 3,333 |
| Total risk-based capital ratio | 15.4775% | 3,262 |
| Memoranda: | ||
| Average total assets | $270,641,600 | 2,358 |
| Average earning assets | $238,055,200 | 2,452 |
| Average equity | $29,953,400 | 2,351 |
| Average total loans | $184,800,400 | 2,264 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0544% | 540 |
| Cost of funding earning assets | 0.3880% | 3,144 |
| Net interest margin | 4.6664% | 456 |
| Noninterest income to average assets | 1.1512% | 863 |
| Noninterest expense to average assets | 3.9148% | 659 |
| Loan and lease loss provision to assets | 0.0980% | 2,266 |
| Net operating income to assets | 0.8769% | 3,025 |
| Return on assets (ROA) | 0.8780% | 3,146 |
| Pretax return on assets | 1.2413% | 2,648 |
| Return on Equity (ROE) | 7.8762% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.2547% | 1,499 |
| Net charge-offs to loans | 0.1998% | 1,173 |
| Credit loss provision to net charge-offs | 72.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.8290% | 2,648 |
| Efficiency ratio | 74.5312% | 2,181 |
| Assets per employee ($millions) | 2.3899% | 5,774 |
| Cash dividends to net income (ytd only)* | 7.8917% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 1,688 |
| Loan loss allowance to noncurrent loans | 140.0098% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 1.0468% | 1,969 |
| Noncurrent loans to loans | 1.0865% | 2,084 |
| Net loans and leases to total assets | 66.4391% | 3,052 |
| Net loans and leases to deposits | 81.1352% | 2,837 |
| Net loans and leases to core deposits | 85.4481% | 2,999 |
| Total domestic deposits to total assets | 81.8868% | 3,969 |
| Equity capital to assets | 11.1744% | 2,822 |
| Core capital (leverage) ratio | 11.2333% | 2,247 |
| Tier 1 risk-based capital ratio | 14.4821% | 3,293 |
| Total risk-based capital ratio | 15.7333% | 3,230 |
| Memoranda: | ||
| Average total assets | $269,397,250 | 2,380 |
| Average earning assets | $236,778,250 | 2,469 |
| Average equity | $30,030,500 | 2,366 |
| Average total loans | $183,526,500 | 2,280 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0671% | 517 |
| Cost of funding earning assets | 0.3902% | 3,151 |
| Net interest margin | 4.6768% | 440 |
| Noninterest income to average assets | 1.1372% | 863 |
| Noninterest expense to average assets | 3.9230% | 661 |
| Loan and lease loss provision to assets | 0.0990% | 2,183 |
| Net operating income to assets | 0.8613% | 3,043 |
| Return on assets (ROA) | 0.8629% | 3,152 |
| Pretax return on assets | 1.2234% | 2,690 |
| Return on Equity (ROE) | 7.7470% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.1076% | 1,550 |
| Net charge-offs to loans | 0.1832% | 1,248 |
| Credit loss provision to net charge-offs | 79.0419% | 2,377 |
| Earnings coverage of net charge-offs (x) | 10.5449% | 2,328 |
| Efficiency ratio | 74.8213% | 2,243 |
| Assets per employee ($millions) | 2.3128% | 5,855 |
| Cash dividends to net income (ytd only)* | 8.2537% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 1,561 |
| Loan loss allowance to noncurrent loans | 223.2019% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.7932% | 2,611 |
| Noncurrent loans to loans | 0.7118% | 2,946 |
| Net loans and leases to total assets | 66.6337% | 2,991 |
| Net loans and leases to deposits | 79.9370% | 2,936 |
| Net loans and leases to core deposits | 85.0327% | 2,982 |
| Total domestic deposits to total assets | 83.3579% | 3,517 |
| Equity capital to assets | 11.3661% | 2,681 |
| Core capital (leverage) ratio | 11.1835% | 2,252 |
| Tier 1 risk-based capital ratio | 14.6863% | 3,212 |
| Total risk-based capital ratio | 15.9379% | 3,157 |
| Memoranda: | ||
| Average total assets | $266,788,330 | 2,413 |
| Average earning assets | $234,219,000 | 2,503 |
| Average equity | $29,714,670 | 2,390 |
| Average total loans | $182,358,670 | 2,293 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1050% | 495 |
| Cost of funding earning assets | 0.3992% | 3,074 |
| Net interest margin | 4.7059% | 417 |
| Noninterest income to average assets | 1.1186% | 873 |
| Noninterest expense to average assets | 3.9408% | 653 |
| Loan and lease loss provision to assets | 0.0992% | 2,038 |
| Net operating income to assets | 0.8594% | 2,952 |
| Return on assets (ROA) | 0.8615% | 3,050 |
| Pretax return on assets | 1.2119% | 2,653 |
| Return on Equity (ROE) | 7.8159% | 3,023 |
| Retained earnings to average equity (ytd only) | 7.1338% | 1,827 |
| Net charge-offs to loans | 0.1708% | 1,117 |
| Credit loss provision to net charge-offs | 84.6154% | 1,806 |
| Earnings coverage of net charge-offs (x) | 11.1538% | 1,877 |
| Efficiency ratio | 75.0788% | 2,315 |
| Assets per employee ($millions) | 2.3529% | 5,911 |
| Cash dividends to net income (ytd only)* | 8.7260% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5736% | 1,705 |
| Loan loss allowance to noncurrent loans | 174.0275% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.9380% | 2,367 |
| Noncurrent loans to loans | 0.9042% | 2,591 |
| Net loans and leases to total assets | 68.4142% | 2,597 |
| Net loans and leases to deposits | 81.9875% | 2,543 |
| Net loans and leases to core deposits | 87.5480% | 2,605 |
| Total domestic deposits to total assets | 83.4447% | 3,734 |
| Equity capital to assets | 11.1670% | 2,754 |
| Core capital (leverage) ratio | 11.1320% | 2,280 |
| Tier 1 risk-based capital ratio | 14.2093% | 3,561 |
| Total risk-based capital ratio | 15.4608% | 3,493 |
| Memoranda: | ||
| Average total assets | $266,038,000 | 2,422 |
| Average earning assets | $233,494,500 | 2,517 |
| Average equity | $29,325,000 | 2,412 |
| Average total loans | $182,709,500 | 2,284 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0929% | 524 |
| Cost of funding earning assets | 0.4261% | 2,886 |
| Net interest margin | 4.6668% | 483 |
| Noninterest income to average assets | 1.3233% | 689 |
| Noninterest expense to average assets | 4.0581% | 621 |
| Loan and lease loss provision to assets | 0.0937% | 2,439 |
| Net operating income to assets | 0.9094% | 2,814 |
| Return on assets (ROA) | 1.0191% | 2,338 |
| Pretax return on assets | 1.3763% | 1,992 |
| Return on Equity (ROE) | 9.2430% | 2,351 |
| Retained earnings to average equity (ytd only) | 4.5566% | 2,739 |
| Net charge-offs to loans | 0.0969% | 2,451 |
| Credit loss provision to net charge-offs | 144.9102% | 1,827 |
| Earnings coverage of net charge-offs (x) | 20.4491% | 1,878 |
| Efficiency ratio | 75.4317% | 2,366 |
| Assets per employee ($millions) | 2.2949% | 5,973 |
| Cash dividends to net income (ytd only)* | 50.7026% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 1,553 |
| Loan loss allowance to noncurrent loans | 224.3472% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 2,741 |
| Noncurrent loans to loans | 0.7209% | 3,024 |
| Net loans and leases to total assets | 66.7517% | 2,880 |
| Net loans and leases to deposits | 79.6617% | 2,860 |
| Net loans and leases to core deposits | 84.8603% | 2,900 |
| Total domestic deposits to total assets | 83.7939% | 3,567 |
| Equity capital to assets | 10.8789% | 2,961 |
| Core capital (leverage) ratio | 11.0103% | 2,394 |
| Tier 1 risk-based capital ratio | 14.1775% | 3,619 |
| Total risk-based capital ratio | 15.4293% | 3,530 |
| Memoranda: | ||
| Average total assets | $258,370,000 | 2,435 |
| Average earning assets | $224,588,000 | 2,552 |
| Average equity | $28,486,400 | 2,423 |
| Average total loans | $172,412,800 | 2,329 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 524 |
| Cost of funding earning assets | 0.4329% | 2,872 |
| Net interest margin | 4.6602% | 482 |
| Noninterest income to average assets | 1.3499% | 673 |
| Noninterest expense to average assets | 4.1084% | 584 |
| Loan and lease loss provision to assets | 0.0915% | 2,340 |
| Net operating income to assets | 0.9083% | 2,924 |
| Return on assets (ROA) | 1.0743% | 2,206 |
| Pretax return on assets | 1.4097% | 1,976 |
| Return on Equity (ROE) | 9.7102% | 2,212 |
| Retained earnings to average equity (ytd only) | 7.1252% | 1,629 |
| Net charge-offs to loans | 0.1370% | 1,764 |
| Credit loss provision to net charge-offs | 100.5714% | 2,250 |
| Earnings coverage of net charge-offs (x) | 14.0970% | 2,271 |
| Efficiency ratio | 76.2056% | 2,214 |
| Assets per employee ($millions) | 2.1816% | 6,089 |
| Cash dividends to net income (ytd only)* | 26.6217% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6340% | 1,659 |
| Loan loss allowance to noncurrent loans | 178.1602% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 2,536 |
| Noncurrent loans to loans | 0.9171% | 2,685 |
| Net loans and leases to total assets | 66.0181% | 3,011 |
| Net loans and leases to deposits | 80.4980% | 2,818 |
| Net loans and leases to core deposits | 86.7419% | 2,778 |
| Total domestic deposits to total assets | 82.0122% | 4,155 |
| Equity capital to assets | 11.2138% | 2,787 |
| Core capital (leverage) ratio | 11.2553% | 2,241 |
| Tier 1 risk-based capital ratio | 14.5960% | 3,502 |
| Total risk-based capital ratio | 15.8482% | 3,426 |
| Memoranda: | ||
| Average total assets | $256,411,750 | 2,469 |
| Average earning assets | $222,361,500 | 2,588 |
| Average equity | $28,368,000 | 2,444 |
| Average total loans | $170,362,000 | 2,362 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0584% | 550 |
| Cost of funding earning assets | 0.4302% | 2,933 |
| Net interest margin | 4.6282% | 509 |
| Noninterest income to average assets | 1.4568% | 600 |
| Noninterest expense to average assets | 4.1551% | 576 |
| Loan and lease loss provision to assets | 0.0862% | 2,386 |
| Net operating income to assets | 0.9780% | 2,505 |
| Return on assets (ROA) | 0.9861% | 2,575 |
| Pretax return on assets | 1.2368% | 2,618 |
| Return on Equity (ROE) | 8.9545% | 2,573 |
| Retained earnings to average equity (ytd only) | 8.2788% | 1,156 |
| Net charge-offs to loans | 0.1502% | 1,588 |
| Credit loss provision to net charge-offs | 86.6142% | 2,251 |
| Earnings coverage of net charge-offs (x) | 13.1969% | 2,154 |
| Efficiency ratio | 75.9920% | 2,359 |
| Assets per employee ($millions) | 2.2288% | 6,160 |
| Cash dividends to net income (ytd only)* | 7.5457% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 1,705 |
| Loan loss allowance to noncurrent loans | 205.2975% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.8738% | 2,803 |
| Noncurrent loans to loans | 0.8100% | 3,095 |
| Net loans and leases to total assets | 64.7049% | 3,167 |
| Net loans and leases to deposits | 77.5880% | 3,083 |
| Net loans and leases to core deposits | 83.5102% | 3,029 |
| Total domestic deposits to total assets | 83.3954% | 3,795 |
| Equity capital to assets | 11.0526% | 2,834 |
| Core capital (leverage) ratio | 11.0890% | 2,335 |
| Tier 1 risk-based capital ratio | 14.7296% | 3,515 |
| Total risk-based capital ratio | 15.9816% | 3,438 |
| Memoranda: | ||
| Average total assets | $255,346,000 | 2,496 |
| Average earning assets | $221,296,000 | 2,615 |
| Average equity | $28,120,000 | 2,473 |
| Average total loans | $169,070,670 | 2,383 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1367% | 457 |
| Cost of funding earning assets | 0.4240% | 3,019 |
| Net interest margin | 4.7128% | 401 |
| Noninterest income to average assets | 1.1255% | 886 |
| Noninterest expense to average assets | 4.1537% | 581 |
| Loan and lease loss provision to assets | 0.0694% | 2,556 |
| Net operating income to assets | 0.7333% | 3,629 |
| Return on assets (ROA) | 0.7519% | 3,665 |
| Pretax return on assets | 1.0104% | 3,455 |
| Return on Equity (ROE) | 6.8405% | 3,589 |
| Retained earnings to average equity (ytd only) | 6.1235% | 2,418 |
| Net charge-offs to loans | 0.1732% | 1,235 |
| Credit loss provision to net charge-offs | 60.2740% | 1,994 |
| Earnings coverage of net charge-offs (x) | 9.1644% | 2,023 |
| Efficiency ratio | 79.7518% | 1,926 |
| Assets per employee ($millions) | 2.1813% | 6,237 |
| Cash dividends to net income (ytd only)* | 10.4822% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 1,833 |
| Loan loss allowance to noncurrent loans | 250.4448% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.7646% | 3,197 |
| Noncurrent loans to loans | 0.6651% | 3,621 |
| Net loans and leases to total assets | 64.5597% | 3,016 |
| Net loans and leases to deposits | 77.3574% | 2,895 |
| Net loans and leases to core deposits | 83.2695% | 2,839 |
| Total domestic deposits to total assets | 83.4564% | 4,022 |
| Equity capital to assets | 10.9402% | 3,039 |
| Core capital (leverage) ratio | 11.0459% | 2,367 |
| Tier 1 risk-based capital ratio | 13.9584% | 4,054 |
| Total risk-based capital ratio | 15.2099% | 3,972 |
| Memoranda: | ||
| Average total assets | $253,750,500 | 2,530 |
| Average earning assets | $219,828,500 | 2,643 |
| Average equity | $27,892,500 | 2,508 |
| Average total loans | $168,548,500 | 2,385 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1509% | 572 |
| Cost of funding earning assets | 0.4259% | 3,430 |
| Net interest margin | 4.7250% | 504 |
| Noninterest income to average assets | 1.2344% | 794 |
| Noninterest expense to average assets | 4.1379% | 649 |
| Loan and lease loss provision to assets | 0.1039% | 2,421 |
| Net operating income to assets | 0.7995% | 3,378 |
| Return on assets (ROA) | 0.8009% | 3,466 |
| Pretax return on assets | 1.0794% | 3,168 |
| Return on Equity (ROE) | 7.5240% | 3,361 |
| Retained earnings to average equity (ytd only) | 3.3666% | 3,815 |
| Net charge-offs to loans | 0.1740% | 2,283 |
| Credit loss provision to net charge-offs | 93.6170% | 2,564 |
| Earnings coverage of net charge-offs (x) | 10.6489% | 2,595 |
| Efficiency ratio | 77.7917% | 2,233 |
| Assets per employee ($millions) | 2.1195% | 6,338 |
| Cash dividends to net income (ytd only)* | 55.2554% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6930% | 1,790 |
| Loan loss allowance to noncurrent loans | 169.8091% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.9976% | 2,755 |
| Noncurrent loans to loans | 0.9970% | 2,836 |
| Net loans and leases to total assets | 66.0770% | 2,866 |
| Net loans and leases to deposits | 78.5856% | 2,898 |
| Net loans and leases to core deposits | 83.0194% | 2,990 |
| Total domestic deposits to total assets | 84.0829% | 3,678 |
| Equity capital to assets | 11.0455% | 2,854 |
| Core capital (leverage) ratio | 10.8917% | 2,502 |
| Tier 1 risk-based capital ratio | 14.4643% | 3,797 |
| Total risk-based capital ratio | 15.7173% | 3,734 |
| Memoranda: | ||
| Average total assets | $254,210,400 | 2,486 |
| Average earning assets | $219,767,000 | 2,626 |
| Average equity | $27,060,200 | 2,485 |
| Average total loans | $162,061,800 | 2,406 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1168% | 619 |
| Cost of funding earning assets | 0.4274% | 3,488 |
| Net interest margin | 4.6894% | 514 |
| Noninterest income to average assets | 1.2203% | 819 |
| Noninterest expense to average assets | 4.0954% | 690 |
| Loan and lease loss provision to assets | 0.1034% | 2,314 |
| Net operating income to assets | 0.7987% | 3,436 |
| Return on assets (ROA) | 0.8003% | 3,518 |
| Pretax return on assets | 1.0761% | 3,277 |
| Return on Equity (ROE) | 7.5880% | 3,404 |
| Retained earnings to average equity (ytd only) | 6.6469% | 2,016 |
| Net charge-offs to loans | 0.2226% | 1,709 |
| Credit loss provision to net charge-offs | 73.8806% | 2,696 |
| Earnings coverage of net charge-offs (x) | 8.4106% | 2,801 |
| Efficiency ratio | 77.6699% | 2,237 |
| Assets per employee ($millions) | 2.1591% | 6,396 |
| Cash dividends to net income (ytd only)* | 12.4022% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 1,998 |
| Loan loss allowance to noncurrent loans | 200.2149% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9742% | 3,017 |
| Noncurrent loans to loans | 0.8445% | 3,461 |
| Net loans and leases to total assets | 63.7841% | 3,212 |
| Net loans and leases to deposits | 76.7879% | 3,098 |
| Net loans and leases to core deposits | 82.9521% | 3,010 |
| Total domestic deposits to total assets | 83.0653% | 4,121 |
| Equity capital to assets | 10.9337% | 3,021 |
| Core capital (leverage) ratio | 10.9856% | 2,507 |
| Tier 1 risk-based capital ratio | 14.6590% | 3,780 |
| Total risk-based capital ratio | 15.9115% | 3,723 |
| Memoranda: | ||
| Average total assets | $255,237,500 | 2,497 |
| Average earning assets | $220,575,250 | 2,631 |
| Average equity | $26,919,000 | 2,498 |
| Average total loans | $160,550,750 | 2,439 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0664% | 660 |
| Cost of funding earning assets | 0.4300% | 3,549 |
| Net interest margin | 4.6363% | 548 |
| Noninterest income to average assets | 1.1629% | 860 |
| Noninterest expense to average assets | 4.0549% | 712 |
| Loan and lease loss provision to assets | 0.1034% | 2,295 |
| Net operating income to assets | 0.7624% | 3,502 |
| Return on assets (ROA) | 0.7565% | 3,638 |
| Pretax return on assets | 1.0071% | 3,450 |
| Return on Equity (ROE) | 7.2613% | 3,487 |
| Retained earnings to average equity (ytd only) | 6.3593% | 2,112 |
| Net charge-offs to loans | 0.1296% | 2,370 |
| Credit loss provision to net charge-offs | 128.1553% | 1,626 |
| Earnings coverage of net charge-offs (x) | 13.8641% | 1,947 |
| Efficiency ratio | 78.3833% | 2,249 |
| Assets per employee ($millions) | 2.1455% | 6,460 |
| Cash dividends to net income (ytd only)* | 12.4224% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8069% | 1,830 |
| Loan loss allowance to noncurrent loans | 105.3897% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.4566% | 2,238 |
| Noncurrent loans to loans | 1.7144% | 2,014 |
| Net loans and leases to total assets | 61.5995% | 3,468 |
| Net loans and leases to deposits | 72.8647% | 3,467 |
| Net loans and leases to core deposits | 78.2898% | 3,405 |
| Total domestic deposits to total assets | 84.5396% | 3,705 |
| Equity capital to assets | 10.7165% | 3,185 |
| Core capital (leverage) ratio | 10.8284% | 2,598 |
| Tier 1 risk-based capital ratio | 14.7251% | 3,791 |
| Total risk-based capital ratio | 15.9785% | 3,742 |
| Memoranda: | ||
| Average total assets | $255,392,670 | 2,499 |
| Average earning assets | $220,908,000 | 2,636 |
| Average equity | $26,606,670 | 2,512 |
| Average total loans | $158,968,000 | 2,462 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0314% | 677 |
| Cost of funding earning assets | 0.4352% | 3,594 |
| Net interest margin | 4.5962% | 556 |
| Noninterest income to average assets | 1.1072% | 911 |
| Noninterest expense to average assets | 4.0481% | 715 |
| Loan and lease loss provision to assets | 0.1018% | 2,223 |
| Net operating income to assets | 0.7175% | 3,588 |
| Return on assets (ROA) | 0.7235% | 3,653 |
| Pretax return on assets | 0.9506% | 3,513 |
| Return on Equity (ROE) | 7.0455% | 3,457 |
| Retained earnings to average equity (ytd only) | 6.0543% | 2,511 |
| Net charge-offs to loans | 0.0455% | 2,747 |
| Credit loss provision to net charge-offs | 361.1111% | 695 |
| Earnings coverage of net charge-offs (x) | 37.0556% | 923 |
| Efficiency ratio | 79.4895% | 2,279 |
| Assets per employee ($millions) | 2.1795% | 6,523 |
| Cash dividends to net income (ytd only)* | 14.0693% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 1,909 |
| Loan loss allowance to noncurrent loans | 163.0106% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 3,493 |
| Noncurrent loans to loans | 1.1335% | 3,152 |
| Net loans and leases to total assets | 60.6849% | 3,445 |
| Net loans and leases to deposits | 71.7198% | 3,375 |
| Net loans and leases to core deposits | 76.8231% | 3,326 |
| Total domestic deposits to total assets | 84.6138% | 4,038 |
| Equity capital to assets | 10.4678% | 3,276 |
| Core capital (leverage) ratio | 10.5957% | 2,814 |
| Tier 1 risk-based capital ratio | 14.4847% | 4,018 |
| Total risk-based capital ratio | 15.7388% | 3,969 |
| Memoranda: | ||
| Average total assets | $255,430,500 | 2,499 |
| Average earning assets | $221,489,500 | 2,639 |
| Average equity | $26,229,500 | 2,534 |
| Average total loans | $158,368,000 | 2,482 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0848% | 783 |
| Cost of funding earning assets | 0.4696% | 3,917 |
| Net interest margin | 4.6153% | 594 |
| Noninterest income to average assets | 1.5219% | 611 |
| Noninterest expense to average assets | 3.9266% | 951 |
| Loan and lease loss provision to assets | 0.3384% | 945 |
| Net operating income to assets | 0.9276% | 2,653 |
| Return on assets (ROA) | 0.8327% | 3,205 |
| Pretax return on assets | 1.1449% | 2,789 |
| Return on Equity (ROE) | 8.0494% | 3,016 |
| Retained earnings to average equity (ytd only) | 4.5705% | 2,908 |
| Net charge-offs to loans | 0.0896% | 3,951 |
| Credit loss provision to net charge-offs | 635.0746% | 367 |
| Earnings coverage of net charge-offs (x) | 30.2761% | 1,181 |
| Efficiency ratio | 70.8779% | 3,689 |
| Assets per employee ($millions) | 2.2444% | 6,547 |
| Cash dividends to net income (ytd only)* | 43.2187% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8010% | 2,064 |
| Loan loss allowance to noncurrent loans | 154.3642% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.2026% | 2,995 |
| Noncurrent loans to loans | 1.1667% | 3,205 |
| Net loans and leases to total assets | 61.0533% | 3,527 |
| Net loans and leases to deposits | 73.9058% | 3,273 |
| Net loans and leases to core deposits | 79.3888% | 3,199 |
| Total domestic deposits to total assets | 82.6096% | 4,675 |
| Equity capital to assets | 10.0704% | 3,666 |
| Core capital (leverage) ratio | 10.3776% | 3,053 |
| Tier 1 risk-based capital ratio | 13.9532% | 4,325 |
| Total risk-based capital ratio | 15.2059% | 4,262 |
| Memoranda: | ||
| Average total assets | $251,465,200 | 2,518 |
| Average earning assets | $218,926,200 | 2,631 |
| Average equity | $26,014,400 | 2,543 |
| Average total loans | $149,495,000 | 2,565 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0334% | 872 |
| Cost of funding earning assets | 0.4723% | 4,042 |
| Net interest margin | 4.5611% | 663 |
| Noninterest income to average assets | 1.6163% | 562 |
| Noninterest expense to average assets | 4.0084% | 849 |
| Loan and lease loss provision to assets | 0.3350% | 981 |
| Net operating income to assets | 0.9074% | 2,795 |
| Return on assets (ROA) | 0.9043% | 2,924 |
| Pretax return on assets | 1.2440% | 2,532 |
| Return on Equity (ROE) | 8.6819% | 2,796 |
| Retained earnings to average equity (ytd only) | 7.7872% | 1,503 |
| Net charge-offs to loans | 0.1840% | 2,758 |
| Credit loss provision to net charge-offs | 309.8522% | 824 |
| Earnings coverage of net charge-offs (x) | 14.6453% | 1,929 |
| Efficiency ratio | 71.6857% | 3,465 |
| Assets per employee ($millions) | 2.1603% | 6,657 |
| Cash dividends to net income (ytd only)* | 10.3064% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6933% | 2,642 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.9392% | 3,786 |
| Noncurrent loans to loans | 0.7101% | 4,435 |
| Net loans and leases to total assets | 59.1019% | 3,840 |
| Net loans and leases to deposits | 71.4413% | 3,581 |
| Net loans and leases to core deposits | 75.1552% | 3,714 |
| Total domestic deposits to total assets | 82.7279% | 4,672 |
| Equity capital to assets | 10.3495% | 3,449 |
| Core capital (leverage) ratio | 10.6646% | 2,823 |
| Tier 1 risk-based capital ratio | 14.6484% | 3,985 |
| Total risk-based capital ratio | 15.9000% | 3,931 |
| Memoranda: | ||
| Average total assets | $250,366,500 | 2,541 |
| Average earning assets | $218,216,250 | 2,654 |
| Average equity | $26,076,500 | 2,574 |
| Average total loans | $147,099,750 | 2,614 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9856% | 931 |
| Cost of funding earning assets | 0.4704% | 4,202 |
| Net interest margin | 4.5152% | 695 |
| Noninterest income to average assets | 1.7101% | 565 |
| Noninterest expense to average assets | 3.9612% | 904 |
| Loan and lease loss provision to assets | 0.4023% | 771 |
| Net operating income to assets | 0.9420% | 2,605 |
| Return on assets (ROA) | 0.8390% | 3,259 |
| Pretax return on assets | 1.1444% | 2,912 |
| Return on Equity (ROE) | 8.0387% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.0790% | 1,854 |
| Net charge-offs to loans | 0.2804% | 2,083 |
| Credit loss provision to net charge-offs | 246.0784% | 1,026 |
| Earnings coverage of net charge-offs (x) | 10.3235% | 2,163 |
| Efficiency ratio | 70.1234% | 3,802 |
| Assets per employee ($millions) | 2.2334% | 6,665 |
| Cash dividends to net income (ytd only)* | 11.9389% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 3,103 |
| Loan loss allowance to noncurrent loans | 109.4449% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.4033% | 3,003 |
| Noncurrent loans to loans | 1.4738% | 3,098 |
| Net loans and leases to total assets | 58.5764% | 3,892 |
| Net loans and leases to deposits | 69.9156% | 3,726 |
| Net loans and leases to core deposits | 73.3587% | 3,888 |
| Total domestic deposits to total assets | 83.7816% | 4,419 |
| Equity capital to assets | 10.3006% | 3,545 |
| Core capital (leverage) ratio | 10.5462% | 2,823 |
| Tier 1 risk-based capital ratio | 14.3650% | 4,182 |
| Total risk-based capital ratio | 15.6160% | 4,138 |
| Memoranda: | ||
| Average total assets | $249,570,330 | 2,554 |
| Average earning assets | $217,708,330 | 2,666 |
| Average equity | $26,049,000 | 2,579 |
| Average total loans | $145,481,000 | 2,639 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9822% | 925 |
| Cost of funding earning assets | 0.4688% | 4,383 |
| Net interest margin | 4.5135% | 667 |
| Noninterest income to average assets | 1.2904% | 919 |
| Noninterest expense to average assets | 4.0121% | 875 |
| Loan and lease loss provision to assets | 0.1409% | 2,480 |
| Net operating income to assets | 0.8053% | 3,132 |
| Return on assets (ROA) | 0.7885% | 3,360 |
| Pretax return on assets | 1.0589% | 3,115 |
| Return on Equity (ROE) | 7.5037% | 3,214 |
| Retained earnings to average equity (ytd only) | 6.7333% | 2,296 |
| Net charge-offs to loans | 0.5167% | 1,163 |
| Credit loss provision to net charge-offs | 47.2826% | 2,644 |
| Earnings coverage of net charge-offs (x) | 4.1033% | 2,613 |
| Efficiency ratio | 76.6471% | 2,822 |
| Assets per employee ($millions) | 2.2365% | 6,747 |
| Cash dividends to net income (ytd only)* | 10.2669% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 4,171 |
| Loan loss allowance to noncurrent loans | 136.7578% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 1.1665% | 3,615 |
| Noncurrent loans to loans | 1.0334% | 4,072 |
| Net loans and leases to total assets | 57.0913% | 3,903 |
| Net loans and leases to deposits | 68.7591% | 3,671 |
| Net loans and leases to core deposits | 72.2288% | 3,792 |
| Total domestic deposits to total assets | 83.0309% | 4,843 |
| Equity capital to assets | 10.4535% | 3,596 |
| Core capital (leverage) ratio | 10.4799% | 2,806 |
| Tier 1 risk-based capital ratio | 14.3265% | 4,277 |
| Total risk-based capital ratio | 15.4588% | 4,322 |
| Memoranda: | ||
| Average total assets | $247,052,500 | 2,612 |
| Average earning assets | $215,887,000 | 2,709 |
| Average equity | $25,960,500 | 2,620 |
| Average total loans | $142,429,500 | 2,689 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1191% | 1,265 |
| Cost of funding earning assets | 0.5759% | 4,580 |
| Net interest margin | 4.5432% | 871 |
| Noninterest income to average assets | 1.4177% | 777 |
| Noninterest expense to average assets | 4.0694% | 903 |
| Loan and lease loss provision to assets | 0.1451% | 3,794 |
| Net operating income to assets | 0.8732% | 2,940 |
| Return on assets (ROA) | 0.7542% | 3,734 |
| Pretax return on assets | 0.9937% | 3,566 |
| Return on Equity (ROE) | 7.2753% | 3,480 |
| Retained earnings to average equity (ytd only) | 3.4747% | 3,771 |
| Net charge-offs to loans | 0.0374% | 5,396 |
| Credit loss provision to net charge-offs | 704.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 62.8600% | 572 |
| Efficiency ratio | 75.8547% | 2,773 |
| Assets per employee ($millions) | 2.1947% | 6,838 |
| Cash dividends to net income (ytd only)* | 52.2404% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 3,593 |
| Loan loss allowance to noncurrent loans | 86.0866% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.6415% | 2,939 |
| Noncurrent loans to loans | 1.7840% | 2,938 |
| Net loans and leases to total assets | 56.5047% | 4,206 |
| Net loans and leases to deposits | 67.7294% | 4,022 |
| Net loans and leases to core deposits | 71.5498% | 4,099 |
| Total domestic deposits to total assets | 83.4271% | 4,558 |
| Equity capital to assets | 10.5642% | 3,445 |
| Core capital (leverage) ratio | 10.4193% | 2,860 |
| Tier 1 risk-based capital ratio | 14.3479% | 4,127 |
| Total risk-based capital ratio | 15.5560% | 4,120 |
| Memoranda: | ||
| Average total assets | $242,638,600 | 2,606 |
| Average earning assets | $210,797,000 | 2,722 |
| Average equity | $25,153,600 | 2,642 |
| Average total loans | $133,541,400 | 2,817 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0596% | 1,533 |
| Cost of funding earning assets | 0.5891% | 4,754 |
| Net interest margin | 4.4705% | 1,045 |
| Noninterest income to average assets | 1.4241% | 741 |
| Noninterest expense to average assets | 4.0258% | 906 |
| Loan and lease loss provision to assets | 0.1936% | 3,159 |
| Net operating income to assets | 0.8416% | 3,251 |
| Return on assets (ROA) | 0.6909% | 4,209 |
| Pretax return on assets | 0.8949% | 4,125 |
| Return on Equity (ROE) | 6.6963% | 3,961 |
| Retained earnings to average equity (ytd only) | 5.7900% | 2,844 |
| Net charge-offs to loans | 0.2091% | 3,475 |
| Credit loss provision to net charge-offs | 170.0483% | 1,635 |
| Earnings coverage of net charge-offs (x) | 11.2803% | 2,088 |
| Efficiency ratio | 75.8131% | 2,707 |
| Assets per employee ($millions) | 2.1919% | 6,923 |
| Cash dividends to net income (ytd only)* | 13.5350% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 3,967 |
| Loan loss allowance to noncurrent loans | 98.8574% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.4085% | 3,492 |
| Noncurrent loans to loans | 1.5132% | 3,518 |
| Net loans and leases to total assets | 53.8584% | 4,769 |
| Net loans and leases to deposits | 64.9871% | 4,594 |
| Net loans and leases to core deposits | 68.5725% | 4,661 |
| Total domestic deposits to total assets | 82.8755% | 4,686 |
| Equity capital to assets | 10.7020% | 3,606 |
| Core capital (leverage) ratio | 10.6967% | 2,705 |
| Tier 1 risk-based capital ratio | 14.9502% | 3,879 |
| Total risk-based capital ratio | 16.1073% | 3,901 |
| Memoranda: | ||
| Average total assets | $242,394,500 | 2,630 |
| Average earning assets | $210,709,500 | 2,751 |
| Average equity | $25,008,000 | 2,687 |
| Average total loans | $131,976,500 | 2,875 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1245% | 1,440 |
| Cost of funding earning assets | 0.6040% | 4,871 |
| Net interest margin | 4.5206% | 956 |
| Noninterest income to average assets | 1.4408% | 698 |
| Noninterest expense to average assets | 4.0621% | 874 |
| Loan and lease loss provision to assets | 0.2908% | 2,254 |
| Net operating income to assets | 0.7903% | 3,430 |
| Return on assets (ROA) | 0.7220% | 4,020 |
| Pretax return on assets | 0.9269% | 3,976 |
| Return on Equity (ROE) | 7.0871% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.2762% | 2,518 |
| Net charge-offs to loans | 0.1763% | 3,542 |
| Credit loss provision to net charge-offs | 303.4483% | 965 |
| Earnings coverage of net charge-offs (x) | 13.6207% | 1,779 |
| Efficiency ratio | 75.6811% | 2,791 |
| Assets per employee ($millions) | 2.1801% | 6,982 |
| Cash dividends to net income (ytd only)* | 11.4416% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 3,666 |
| Loan loss allowance to noncurrent loans | 158.6128% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 1.1346% | 4,120 |
| Noncurrent loans to loans | 0.9976% | 4,507 |
| Net loans and leases to total assets | 53.9704% | 4,811 |
| Net loans and leases to deposits | 64.7346% | 4,674 |
| Net loans and leases to core deposits | 68.5187% | 4,726 |
| Total domestic deposits to total assets | 83.3718% | 4,587 |
| Equity capital to assets | 10.5102% | 3,675 |
| Core capital (leverage) ratio | 10.4012% | 2,918 |
| Tier 1 risk-based capital ratio | 14.8590% | 3,858 |
| Total risk-based capital ratio | 16.0765% | 3,838 |
| Memoranda: | ||
| Average total assets | $242,092,330 | 2,636 |
| Average earning assets | $210,282,000 | 2,756 |
| Average equity | $24,664,670 | 2,702 |
| Average total loans | $131,626,000 | 2,898 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1290% | 1,498 |
| Cost of funding earning assets | 0.6196% | 4,968 |
| Net interest margin | 4.5094% | 993 |
| Noninterest income to average assets | 1.3896% | 751 |
| Noninterest expense to average assets | 3.8827% | 1,087 |
| Loan and lease loss provision to assets | 0.3322% | 1,884 |
| Net operating income to assets | 0.8392% | 3,202 |
| Return on assets (ROA) | 0.7581% | 3,819 |
| Pretax return on assets | 0.9834% | 3,734 |
| Return on Equity (ROE) | 7.5591% | 3,470 |
| Retained earnings to average equity (ytd only) | 6.8212% | 2,519 |
| Net charge-offs to loans | -0.0243% | 6,248 |
| Credit loss provision to net charge-offs | -2,525.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2093% | 3,221 |
| Assets per employee ($millions) | 2.3175% | 6,983 |
| Cash dividends to net income (ytd only)* | 9.7614% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 3,869 |
| Loan loss allowance to noncurrent loans | 89.3090% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.5697% | 3,509 |
| Noncurrent loans to loans | 1.7519% | 3,485 |
| Net loans and leases to total assets | 52.6291% | 4,929 |
| Net loans and leases to deposits | 63.7592% | 4,666 |
| Net loans and leases to core deposits | 67.2802% | 4,764 |
| Total domestic deposits to total assets | 82.5435% | 5,107 |
| Equity capital to assets | 10.0079% | 4,117 |
| Core capital (leverage) ratio | 10.3546% | 2,927 |
| Tier 1 risk-based capital ratio | 14.7436% | 3,933 |
| Total risk-based capital ratio | 15.9535% | 3,913 |
| Memoranda: | ||
| Average total assets | $243,231,000 | 2,630 |
| Average earning assets | $211,113,000 | 2,758 |
| Average equity | $24,394,500 | 2,730 |
| Average total loans | $131,684,000 | 2,915 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2190% | 1,989 |
| Cost of funding earning assets | 0.7354% | 5,311 |
| Net interest margin | 4.4837% | 1,175 |
| Noninterest income to average assets | 1.3062% | 757 |
| Noninterest expense to average assets | 3.9115% | 1,165 |
| Loan and lease loss provision to assets | 0.3699% | 2,771 |
| Net operating income to assets | 0.8572% | 2,785 |
| Return on assets (ROA) | 0.7484% | 3,433 |
| Pretax return on assets | 0.8297% | 3,869 |
| Return on Equity (ROE) | 7.9824% | 2,909 |
| Retained earnings to average equity (ytd only) | 6.8632% | 1,567 |
| Net charge-offs to loans | 0.7862% | 2,190 |
| Credit loss provision to net charge-offs | 85.9583% | 4,201 |
| Earnings coverage of net charge-offs (x) | 3.0683% | 3,671 |
| Efficiency ratio | 74.7620% | 3,093 |
| Assets per employee ($millions) | 2.2934% | 7,017 |
| Cash dividends to net income (ytd only)* | 14.0207% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 4,470 |
| Loan loss allowance to noncurrent loans | 84.5167% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.6320% | 3,509 |
| Noncurrent loans to loans | 1.6535% | 3,682 |
| Net loans and leases to total assets | 54.0608% | 5,028 |
| Net loans and leases to deposits | 66.3901% | 4,682 |
| Net loans and leases to core deposits | 69.8587% | 4,793 |
| Total domestic deposits to total assets | 81.4290% | 5,317 |
| Equity capital to assets | 10.0513% | 4,106 |
| Core capital (leverage) ratio | 10.2166% | 3,071 |
| Tier 1 risk-based capital ratio | 14.1932% | 4,182 |
| Total risk-based capital ratio | 15.2565% | 4,276 |
| Memoranda: | ||
| Average total assets | $244,917,800 | 2,580 |
| Average earning assets | $214,445,200 | 2,673 |
| Average equity | $22,963,000 | 2,786 |
| Average total loans | $134,068,600 | 2,921 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2147% | 2,150 |
| Cost of funding earning assets | 0.7518% | 5,464 |
| Net interest margin | 4.4630% | 1,238 |
| Noninterest income to average assets | 1.2723% | 798 |
| Noninterest expense to average assets | 4.0214% | 983 |
| Loan and lease loss provision to assets | 0.2499% | 3,507 |
| Net operating income to assets | 0.6990% | 3,626 |
| Return on assets (ROA) | 0.6240% | 4,168 |
| Pretax return on assets | 0.8191% | 4,056 |
| Return on Equity (ROE) | 6.7746% | 3,624 |
| Retained earnings to average equity (ytd only) | 5.2619% | 3,025 |
| Net charge-offs to loans | 0.6103% | 2,418 |
| Credit loss provision to net charge-offs | 74.8377% | 4,324 |
| Earnings coverage of net charge-offs (x) | 3.4968% | 3,416 |
| Efficiency ratio | 77.4969% | 2,610 |
| Assets per employee ($millions) | 2.2808% | 7,086 |
| Cash dividends to net income (ytd only)* | 22.3285% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 4,622 |
| Loan loss allowance to noncurrent loans | 69.5422% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.6903% | 3,552 |
| Noncurrent loans to loans | 1.9932% | 3,377 |
| Net loans and leases to total assets | 53.5824% | 5,230 |
| Net loans and leases to deposits | 65.7381% | 4,943 |
| Net loans and leases to core deposits | 69.3232% | 5,025 |
| Total domestic deposits to total assets | 81.5088% | 5,252 |
| Equity capital to assets | 9.5623% | 4,988 |
| Core capital (leverage) ratio | 9.5981% | 3,998 |
| Tier 1 risk-based capital ratio | 13.6480% | 4,614 |
| Total risk-based capital ratio | 14.7071% | 4,735 |
| Memoranda: | ||
| Average total assets | $245,946,000 | 2,577 |
| Average earning assets | $215,844,250 | 2,671 |
| Average equity | $22,652,750 | 2,820 |
| Average total loans | $134,579,250 | 2,930 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2129% | 2,211 |
| Cost of funding earning assets | 0.7634% | 5,604 |
| Net interest margin | 4.4494% | 1,244 |
| Noninterest income to average assets | 1.2548% | 802 |
| Noninterest expense to average assets | 4.0465% | 981 |
| Loan and lease loss provision to assets | 0.2522% | 3,382 |
| Net operating income to assets | 0.6738% | 3,675 |
| Return on assets (ROA) | 0.6067% | 4,163 |
| Pretax return on assets | 0.7795% | 4,104 |
| Return on Equity (ROE) | 6.6711% | 3,605 |
| Retained earnings to average equity (ytd only) | 5.1282% | 2,923 |
| Net charge-offs to loans | 0.5013% | 2,600 |
| Credit loss provision to net charge-offs | 91.7404% | 3,408 |
| Earnings coverage of net charge-offs (x) | 4.0649% | 2,978 |
| Efficiency ratio | 78.3572% | 2,652 |
| Assets per employee ($millions) | 2.2777% | 7,135 |
| Cash dividends to net income (ytd only)* | 23.1283% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 4,237 |
| Loan loss allowance to noncurrent loans | 81.2655% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.5191% | 3,922 |
| Noncurrent loans to loans | 1.8157% | 3,729 |
| Net loans and leases to total assets | 52.3699% | 5,520 |
| Net loans and leases to deposits | 63.7556% | 5,310 |
| Net loans and leases to core deposits | 66.7727% | 5,414 |
| Total domestic deposits to total assets | 82.1416% | 5,119 |
| Equity capital to assets | 9.1429% | 5,371 |
| Core capital (leverage) ratio | 9.3492% | 4,176 |
| Tier 1 risk-based capital ratio | 13.2386% | 4,736 |
| Total risk-based capital ratio | 14.3519% | 4,811 |
| Memoranda: | ||
| Average total assets | $246,581,000 | 2,587 |
| Average earning assets | $216,656,670 | 2,678 |
| Average equity | $22,425,000 | 2,825 |
| Average total loans | $135,238,670 | 2,941 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2796% | 1,935 |
| Cost of funding earning assets | 0.7555% | 5,827 |
| Net interest margin | 4.5240% | 1,017 |
| Noninterest income to average assets | 1.2478% | 815 |
| Noninterest expense to average assets | 4.1341% | 883 |
| Loan and lease loss provision to assets | 0.2453% | 3,211 |
| Net operating income to assets | 0.7113% | 3,468 |
| Return on assets (ROA) | 0.6312% | 3,929 |
| Pretax return on assets | 0.7572% | 4,068 |
| Return on Equity (ROE) | 6.9600% | 3,403 |
| Retained earnings to average equity (ytd only) | 5.4273% | 2,946 |
| Net charge-offs to loans | 0.0734% | 4,204 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 26.8800% | 913 |
| Efficiency ratio | 79.0000% | 2,692 |
| Assets per employee ($millions) | 2.3049% | 7,180 |
| Cash dividends to net income (ytd only)* | 22.0207% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 3,897 |
| Loan loss allowance to noncurrent loans | 119.4695% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 4,738 |
| Noncurrent loans to loans | 1.3094% | 4,512 |
| Net loans and leases to total assets | 53.5132% | 5,378 |
| Net loans and leases to deposits | 65.1158% | 5,108 |
| Net loans and leases to core deposits | 68.2180% | 5,268 |
| Total domestic deposits to total assets | 82.1816% | 5,234 |
| Equity capital to assets | 8.9904% | 5,213 |
| Core capital (leverage) ratio | 9.4837% | 3,836 |
| Tier 1 risk-based capital ratio | 12.8938% | 4,907 |
| Total risk-based capital ratio | 14.0759% | 4,935 |
| Memoranda: | ||
| Average total assets | $244,600,000 | 2,621 |
| Average earning assets | $215,472,500 | 2,717 |
| Average equity | $22,184,000 | 2,848 |
| Average total loans | $136,271,000 | 2,961 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5973% | 1,896 |
| Cost of funding earning assets | 0.8811% | 6,235 |
| Net interest margin | 4.7162% | 790 |
| Noninterest income to average assets | 1.4707% | 671 |
| Noninterest expense to average assets | 4.0030% | 1,157 |
| Loan and lease loss provision to assets | 0.1562% | 5,645 |
| Net operating income to assets | 1.0121% | 1,987 |
| Return on assets (ROA) | 0.7770% | 3,019 |
| Pretax return on assets | 1.1078% | 2,547 |
| Return on Equity (ROE) | 8.6902% | 2,424 |
| Retained earnings to average equity (ytd only) | 3.8815% | 3,153 |
| Net charge-offs to loans | 0.6831% | 2,961 |
| Credit loss provision to net charge-offs | 38.5010% | 6,409 |
| Earnings coverage of net charge-offs (x) | 3.9425% | 3,126 |
| Efficiency ratio | 71.4456% | 3,900 |
| Assets per employee ($millions) | 2.1842% | 7,315 |
| Cash dividends to net income (ytd only)* | 55.3351% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 4,269 |
| Loan loss allowance to noncurrent loans | 105.0606% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 1.2286% | 4,561 |
| Noncurrent loans to loans | 1.3825% | 4,410 |
| Net loans and leases to total assets | 56.2791% | 5,299 |
| Net loans and leases to deposits | 68.8048% | 4,982 |
| Net loans and leases to core deposits | 72.1886% | 5,187 |
| Total domestic deposits to total assets | 81.7953% | 5,245 |
| Equity capital to assets | 9.1515% | 4,913 |
| Core capital (leverage) ratio | 9.5260% | 3,674 |
| Tier 1 risk-based capital ratio | 12.7389% | 4,831 |
| Total risk-based capital ratio | 13.8529% | 4,921 |
| Memoranda: | ||
| Average total assets | $240,020,800 | 2,634 |
| Average earning assets | $210,296,000 | 2,753 |
| Average equity | $21,461,000 | 2,951 |
| Average total loans | $142,577,400 | 2,892 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6243% | 1,973 |
| Cost of funding earning assets | 0.9150% | 6,334 |
| Net interest margin | 4.7093% | 830 |
| Noninterest income to average assets | 1.4497% | 644 |
| Noninterest expense to average assets | 4.0967% | 937 |
| Loan and lease loss provision to assets | 0.1250% | 5,780 |
| Net operating income to assets | 0.9705% | 2,334 |
| Return on assets (ROA) | 0.7884% | 3,217 |
| Pretax return on assets | 1.1018% | 2,814 |
| Return on Equity (ROE) | 8.8702% | 2,533 |
| Retained earnings to average equity (ytd only) | 7.2950% | 1,705 |
| Net charge-offs to loans | 0.6837% | 2,715 |
| Credit loss provision to net charge-offs | 30.4878% | 6,147 |
| Earnings coverage of net charge-offs (x) | 3.6084% | 3,376 |
| Efficiency ratio | 73.4655% | 3,421 |
| Assets per employee ($millions) | 2.1078% | 7,455 |
| Cash dividends to net income (ytd only)* | 17.7589% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 4,123 |
| Loan loss allowance to noncurrent loans | 121.2369% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 1.0713% | 4,971 |
| Noncurrent loans to loans | 1.2096% | 4,829 |
| Net loans and leases to total assets | 59.1398% | 5,076 |
| Net loans and leases to deposits | 72.7803% | 4,727 |
| Net loans and leases to core deposits | 76.3952% | 5,006 |
| Total domestic deposits to total assets | 81.2579% | 5,280 |
| Equity capital to assets | 9.4405% | 4,932 |
| Core capital (leverage) ratio | 9.7294% | 3,578 |
| Tier 1 risk-based capital ratio | 11.7559% | 5,680 |
| Total risk-based capital ratio | 12.8124% | 5,857 |
| Memoranda: | ||
| Average total assets | $239,959,250 | 2,672 |
| Average earning assets | $210,272,250 | 2,790 |
| Average equity | $21,329,250 | 3,002 |
| Average total loans | $143,918,500 | 2,910 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5818% | 2,204 |
| Cost of funding earning assets | 0.9642% | 6,317 |
| Net interest margin | 4.6176% | 960 |
| Noninterest income to average assets | 1.4508% | 604 |
| Noninterest expense to average assets | 3.9933% | 1,056 |
| Loan and lease loss provision to assets | 0.1244% | 5,646 |
| Net operating income to assets | 0.9834% | 2,256 |
| Return on assets (ROA) | 0.7362% | 3,402 |
| Pretax return on assets | 1.0305% | 3,007 |
| Return on Equity (ROE) | 8.4531% | 2,688 |
| Retained earnings to average equity (ytd only) | 6.8348% | 1,913 |
| Net charge-offs to loans | 0.5102% | 3,000 |
| Credit loss provision to net charge-offs | 40.6504% | 5,602 |
| Earnings coverage of net charge-offs (x) | 4.9133% | 2,807 |
| Efficiency ratio | 72.6546% | 3,714 |
| Assets per employee ($millions) | 2.1897% | 7,446 |
| Cash dividends to net income (ytd only)* | 19.1441% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 3,196 |
| Loan loss allowance to noncurrent loans | 125.5026% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 1.0717% | 4,988 |
| Noncurrent loans to loans | 1.3292% | 4,732 |
| Net loans and leases to total assets | 58.5822% | 5,318 |
| Net loans and leases to deposits | 71.4993% | 5,075 |
| Net loans and leases to core deposits | 74.9554% | 5,328 |
| Total domestic deposits to total assets | 81.9340% | 5,014 |
| Equity capital to assets | 9.0829% | 5,319 |
| Core capital (leverage) ratio | 9.4234% | 3,926 |
| Tier 1 risk-based capital ratio | 11.6843% | 5,598 |
| Total risk-based capital ratio | 12.9067% | 5,585 |
| Memoranda: | ||
| Average total assets | $241,253,000 | 2,690 |
| Average earning assets | $211,364,670 | 2,799 |
| Average equity | $21,010,000 | 3,043 |
| Average total loans | $144,660,000 | 2,930 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6630% | 1,911 |
| Cost of funding earning assets | 1.0128% | 6,317 |
| Net interest margin | 4.6502% | 865 |
| Noninterest income to average assets | 1.4530% | 566 |
| Noninterest expense to average assets | 4.4166% | 631 |
| Loan and lease loss provision to assets | 0.1237% | 5,339 |
| Net operating income to assets | 0.6872% | 3,494 |
| Return on assets (ROA) | 0.7224% | 3,458 |
| Pretax return on assets | 1.0209% | 3,008 |
| Return on Equity (ROE) | 8.4738% | 2,675 |
| Retained earnings to average equity (ytd only) | 6.8293% | 2,208 |
| Net charge-offs to loans | 0.8911% | 1,786 |
| Credit loss provision to net charge-offs | 23.0769% | 4,913 |
| Earnings coverage of net charge-offs (x) | 2.0431% | 3,521 |
| Efficiency ratio | 80.1317% | 2,550 |
| Assets per employee ($millions) | 2.2078% | 7,539 |
| Cash dividends to net income (ytd only)* | 19.4064% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 3,312 |
| Loan loss allowance to noncurrent loans | 144.0615% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.9362% | 5,273 |
| Noncurrent loans to loans | 1.1332% | 5,095 |
| Net loans and leases to total assets | 58.6147% | 5,334 |
| Net loans and leases to deposits | 71.0759% | 5,188 |
| Net loans and leases to core deposits | 74.9690% | 5,391 |
| Total domestic deposits to total assets | 82.4678% | 4,864 |
| Equity capital to assets | 8.6799% | 5,761 |
| Core capital (leverage) ratio | 9.1514% | 4,300 |
| Tier 1 risk-based capital ratio | 11.3500% | 5,809 |
| Total risk-based capital ratio | 12.5410% | 5,833 |
| Memoranda: | ||
| Average total assets | $242,539,500 | 2,736 |
| Average earning assets | $211,690,500 | 2,860 |
| Average equity | $20,675,500 | 3,106 |
| Average total loans | $145,892,000 | 2,966 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1577% | 1,350 |
| Cost of funding earning assets | 1.2152% | 6,609 |
| Net interest margin | 4.9425% | 505 |
| Noninterest income to average assets | 2.0111% | 371 |
| Noninterest expense to average assets | 4.1657% | 1,140 |
| Loan and lease loss provision to assets | 0.2902% | 5,104 |
| Net operating income to assets | 1.3651% | 912 |
| Return on assets (ROA) | 0.7833% | 2,684 |
| Pretax return on assets | 1.0624% | 2,368 |
| Return on Equity (ROE) | 9.2285% | 1,950 |
| Retained earnings to average equity (ytd only) | 3.9902% | 2,417 |
| Net charge-offs to loans | 0.6740% | 3,163 |
| Credit loss provision to net charge-offs | 67.9283% | 6,531 |
| Earnings coverage of net charge-offs (x) | 5.0070% | 2,717 |
| Efficiency ratio | 66.0750% | 5,381 |
| Assets per employee ($millions) | 2.2021% | 7,572 |
| Cash dividends to net income (ytd only)* | 56.7626% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 2,726 |
| Loan loss allowance to noncurrent loans | 106.0556% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.2678% | 4,552 |
| Noncurrent loans to loans | 1.6470% | 4,181 |
| Net loans and leases to total assets | 59.6471% | 5,388 |
| Net loans and leases to deposits | 71.8699% | 5,347 |
| Net loans and leases to core deposits | 88.5636% | 5,269 |
| Total domestic deposits to total assets | 82.9932% | 4,526 |
| Equity capital to assets | 8.3717% | 6,098 |
| Core capital (leverage) ratio | 9.0204% | 4,383 |
| Tier 1 risk-based capital ratio | 11.3887% | 5,524 |
| Total risk-based capital ratio | 12.5470% | 5,568 |
| Memoranda: | ||
| Average total assets | $235,039,800 | 2,765 |
| Average earning assets | $204,167,800 | 2,915 |
| Average equity | $19,949,000 | 3,211 |
| Average total loans | $148,958,400 | 2,931 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2276% | 1,304 |
| Cost of funding earning assets | 1.2388% | 6,763 |
| Net interest margin | 4.9888% | 455 |
| Noninterest income to average assets | 1.7797% | 463 |
| Noninterest expense to average assets | 4.3776% | 834 |
| Loan and lease loss provision to assets | 0.3478% | 4,246 |
| Net operating income to assets | 0.9868% | 2,105 |
| Return on assets (ROA) | 0.8509% | 2,680 |
| Pretax return on assets | 1.1941% | 2,284 |
| Return on Equity (ROE) | 9.9894% | 1,917 |
| Retained earnings to average equity (ytd only) | 8.2068% | 1,081 |
| Net charge-offs to loans | 0.5482% | 3,041 |
| Credit loss provision to net charge-offs | 99.0212% | 5,167 |
| Earnings coverage of net charge-offs (x) | 4.9348% | 2,965 |
| Efficiency ratio | 71.6362% | 4,307 |
| Assets per employee ($millions) | 2.1510% | 7,660 |
| Cash dividends to net income (ytd only)* | 17.8449% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9412% | 1,925 |
| Loan loss allowance to noncurrent loans | 131.7029% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 1.3622% | 4,365 |
| Noncurrent loans to loans | 1.4739% | 4,470 |
| Net loans and leases to total assets | 60.4351% | 5,516 |
| Net loans and leases to deposits | 73.6487% | 5,416 |
| Net loans and leases to core deposits | 90.9106% | 5,345 |
| Total domestic deposits to total assets | 82.0586% | 4,654 |
| Equity capital to assets | 8.2155% | 6,620 |
| Core capital (leverage) ratio | 9.1176% | 4,460 |
| Tier 1 risk-based capital ratio | 10.5935% | 6,354 |
| Total risk-based capital ratio | 11.8451% | 6,324 |
| Memoranda: | ||
| Average total assets | $232,692,000 | 2,809 |
| Average earning assets | $202,020,250 | 2,959 |
| Average equity | $19,820,500 | 3,267 |
| Average total loans | $149,101,000 | 2,966 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3410% | 1,112 |
| Cost of funding earning assets | 1.2450% | 6,976 |
| Net interest margin | 5.0960% | 358 |
| Noninterest income to average assets | 1.8601% | 425 |
| Noninterest expense to average assets | 4.2742% | 986 |
| Loan and lease loss provision to assets | 0.1309% | 5,784 |
| Net operating income to assets | 1.2755% | 1,291 |
| Return on assets (ROA) | 1.2598% | 1,406 |
| Pretax return on assets | 1.8392% | 787 |
| Return on Equity (ROE) | 14.6073% | 886 |
| Retained earnings to average equity (ytd only) | 12.7864% | 349 |
| Net charge-offs to loans | 0.7268% | 2,236 |
| Credit loss provision to net charge-offs | 27.7264% | 6,058 |
| Earnings coverage of net charge-offs (x) | 4.2218% | 3,168 |
| Efficiency ratio | 68.2027% | 5,121 |
| Assets per employee ($millions) | 2.0197% | 7,840 |
| Cash dividends to net income (ytd only)* | 12.4654% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 2,412 |
| Loan loss allowance to noncurrent loans | 200.2381% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.7994% | 5,392 |
| Noncurrent loans to loans | 0.8390% | 5,542 |
| Net loans and leases to total assets | 62.4862% | 5,270 |
| Net loans and leases to deposits | 76.2852% | 5,121 |
| Net loans and leases to core deposits | 92.4672% | 5,298 |
| Total domestic deposits to total assets | 81.9113% | 4,725 |
| Equity capital to assets | 8.2308% | 6,441 |
| Core capital (leverage) ratio | 9.4861% | 3,908 |
| Tier 1 risk-based capital ratio | 10.3285% | 6,566 |
| Total risk-based capital ratio | 11.4940% | 6,583 |
| Memoranda: | ||
| Average total assets | $229,234,670 | 2,871 |
| Average earning assets | $198,233,000 | 3,026 |
| Average equity | $19,771,000 | 3,281 |
| Average total loans | $148,866,670 | 3,003 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4528% | 951 |
| Cost of funding earning assets | 1.2774% | 7,091 |
| Net interest margin | 5.1754% | 293 |
| Noninterest income to average assets | 1.6234% | 519 |
| Noninterest expense to average assets | 4.3793% | 805 |
| Loan and lease loss provision to assets | 0.1329% | 5,259 |
| Net operating income to assets | 1.0921% | 1,990 |
| Return on assets (ROA) | 1.1094% | 2,053 |
| Pretax return on assets | 1.5951% | 1,417 |
| Return on Equity (ROE) | 12.5630% | 1,496 |
| Retained earnings to average equity (ytd only) | 10.7568% | 1,017 |
| Net charge-offs to loans | 1.3360% | 1,053 |
| Credit loss provision to net charge-offs | 15.1515% | 5,141 |
| Earnings coverage of net charge-offs (x) | 1.9414% | 3,747 |
| Efficiency ratio | 71.9988% | 4,192 |
| Assets per employee ($millions) | 2.0096% | 7,890 |
| Cash dividends to net income (ytd only)* | 14.3770% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 2,198 |
| Loan loss allowance to noncurrent loans | 224.1906% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.7839% | 5,216 |
| Noncurrent loans to loans | 0.7511% | 5,553 |
| Net loans and leases to total assets | 63.5318% | 5,066 |
| Net loans and leases to deposits | 77.8496% | 4,953 |
| Net loans and leases to core deposits | 93.3492% | 5,224 |
| Total domestic deposits to total assets | 81.6083% | 4,710 |
| Equity capital to assets | 8.7801% | 5,654 |
| Core capital (leverage) ratio | 9.4051% | 4,097 |
| Tier 1 risk-based capital ratio | 10.4520% | 6,442 |
| Total risk-based capital ratio | 11.6530% | 6,401 |
| Memoranda: | ||
| Average total assets | $225,698,000 | 2,923 |
| Average earning assets | $194,457,000 | 3,090 |
| Average equity | $19,931,500 | 3,268 |
| Average total loans | $148,208,500 | 3,037 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8615% | 1,513 |
| Cost of funding earning assets | 1.8605% | 6,849 |
| Net interest margin | 5.0010% | 509 |
| Noninterest income to average assets | 1.7431% | 448 |
| Noninterest expense to average assets | 4.2654% | 1,083 |
| Loan and lease loss provision to assets | 0.3393% | 3,678 |
| Net operating income to assets | 1.1900% | 1,802 |
| Return on assets (ROA) | 0.4220% | 4,885 |
| Pretax return on assets | 0.5068% | 4,955 |
| Return on Equity (ROE) | 4.5341% | 4,584 |
| Retained earnings to average equity (ytd only) | -3.0776% | 6,130 |
| Net charge-offs to loans | 0.3008% | 3,389 |
| Credit loss provision to net charge-offs | 182.1596% | 2,742 |
| Earnings coverage of net charge-offs (x) | 9.5094% | 2,675 |
| Efficiency ratio | 70.6556% | 4,207 |
| Assets per employee ($millions) | 1.9330% | 7,964 |
| Cash dividends to net income (ytd only)* | 167.8756% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9640% | 1,297 |
| Loan loss allowance to noncurrent loans | 178.4446% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 1.0176% | 4,286 |
| Noncurrent loans to loans | 1.1006% | 4,359 |
| Net loans and leases to total assets | 65.4347% | 4,963 |
| Net loans and leases to deposits | 79.4395% | 5,144 |
| Net loans and leases to core deposits | 94.9930% | 5,349 |
| Total domestic deposits to total assets | 82.3705% | 4,053 |
| Equity capital to assets | 8.8836% | 5,520 |
| Core capital (leverage) ratio | 9.5749% | 3,911 |
| Tier 1 risk-based capital ratio | 11.7836% | 4,995 |
| Total risk-based capital ratio | 13.0382% | 4,900 |
| Memoranda: | ||
| Average total assets | $228,678,600 | 2,780 |
| Average earning assets | $196,342,600 | 2,935 |
| Average equity | $21,283,000 | 3,067 |
| Average total loans | $141,639,800 | 3,069 |