Home > Century Bank and Trust > Performance and Condition Ratios
Century Bank and Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 3,112 |
| Cost of funding earning assets | 0.9405% | 3,439 |
| Net interest margin | 3.5509% | 2,064 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.2016% | 3,125 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3331% | 1,363 |
| Return on assets (ROA) | 1.3234% | 1,352 |
| Pretax return on assets | 1.6542% | 1,144 |
| Return on Equity (ROE) | 17.6700% | 865 |
| Retained earnings to average equity (ytd only) | 12.9778% | 512 |
| Net charge-offs to loans | -0.0363% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.9431% | 3,502 |
| Assets per employee ($millions) | 7.3305% | 1,852 |
| Cash dividends to net income (ytd only)* | 26.5675% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 2,455 |
| Loan loss allowance to noncurrent loans | 35,950.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 3,842 |
| Noncurrent loans to loans | 0.0033% | 3,769 |
| Net loans and leases to total assets | 51.7600% | 3,492 |
| Net loans and leases to deposits | 57.6841% | 3,641 |
| Net loans and leases to core deposits | 60.9800% | 3,731 |
| Total domestic deposits to total assets | 89.7300% | 834 |
| Equity capital to assets | 8.3873% | 3,130 |
| Core capital (leverage) ratio | 11.7845% | 1,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $355,515,000 | 2,174 |
| Average earning assets | $336,112,600 | 2,148 |
| Average equity | $26,622,400 | 2,424 |
| Average total loans | $181,711,400 | 2,433 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 3,160 |
| Cost of funding earning assets | 0.7755% | 3,588 |
| Net interest margin | 3.5933% | 2,024 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.1977% | 3,080 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.3614% | 1,397 |
| Return on assets (ROA) | 1.3485% | 1,408 |
| Pretax return on assets | 1.6886% | 1,184 |
| Return on Equity (ROE) | 18.5600% | 869 |
| Retained earnings to average equity (ytd only) | 12.1232% | 952 |
| Net charge-offs to loans | -0.0501% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.3619% | 3,457 |
| Assets per employee ($millions) | 7.0194% | 1,948 |
| Cash dividends to net income (ytd only)* | 34.6741% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 2,663 |
| Loan loss allowance to noncurrent loans | 16,146.1538% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,839 |
| Noncurrent loans to loans | 0.0071% | 3,758 |
| Net loans and leases to total assets | 52.8000% | 3,438 |
| Net loans and leases to deposits | 59.5872% | 3,529 |
| Net loans and leases to core deposits | 60.9486% | 3,661 |
| Total domestic deposits to total assets | 88.6100% | 1,373 |
| Equity capital to assets | 7.4839% | 3,359 |
| Core capital (leverage) ratio | 11.8078% | 1,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $356,427,500 | 2,178 |
| Average earning assets | $337,136,750 | 2,145 |
| Average equity | $25,900,000 | 2,455 |
| Average total loans | $181,069,250 | 2,439 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2667% | 3,160 |
| Cost of funding earning assets | 0.6710% | 3,565 |
| Net interest margin | 3.5957% | 2,046 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.1925% | 3,099 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.3683% | 1,407 |
| Return on assets (ROA) | 1.3495% | 1,441 |
| Pretax return on assets | 1.6978% | 1,217 |
| Return on Equity (ROE) | 18.7500% | 864 |
| Retained earnings to average equity (ytd only) | 9.1165% | 1,661 |
| Net charge-offs to loans | -0.0166% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.0787% | 3,527 |
| Assets per employee ($millions) | 7.0766% | 1,869 |
| Cash dividends to net income (ytd only)* | 51.3769% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,067 |
| Loan loss allowance to noncurrent loans | 28,371.4286% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 3,885 |
| Noncurrent loans to loans | 0.0038% | 3,798 |
| Net loans and leases to total assets | 51.6600% | 3,435 |
| Net loans and leases to deposits | 56.1233% | 3,643 |
| Net loans and leases to core deposits | 57.2635% | 3,752 |
| Total domestic deposits to total assets | 92.0500% | 402 |
| Equity capital to assets | 7.4658% | 3,538 |
| Core capital (leverage) ratio | 11.2334% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $360,586,333 | 2,166 |
| Average earning assets | $341,295,333 | 2,134 |
| Average equity | $25,953,000 | 2,464 |
| Average total loans | $180,188,000 | 2,439 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 3,093 |
| Cost of funding earning assets | 0.4938% | 3,710 |
| Net interest margin | 3.6818% | 1,941 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.2112% | 3,070 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.4232% | 1,344 |
| Return on assets (ROA) | 1.3858% | 1,416 |
| Pretax return on assets | 1.7540% | 1,164 |
| Return on Equity (ROE) | 19.6100% | 808 |
| Retained earnings to average equity (ytd only) | 0.1711% | 3,995 |
| Net charge-offs to loans | 0.0045% | 1,812 |
| Credit loss provision to net charge-offs | 3,000.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 849.5000% | 128 |
| Efficiency ratio | 54.2172% | 3,581 |
| Assets per employee ($millions) | 7.2592% | 1,778 |
| Cash dividends to net income (ytd only)* | 99.1277% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,239 |
| Loan loss allowance to noncurrent loans | 23,862.5000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,899 |
| Noncurrent loans to loans | 0.0045% | 3,820 |
| Net loans and leases to total assets | 48.9100% | 3,573 |
| Net loans and leases to deposits | 52.9468% | 3,739 |
| Net loans and leases to core deposits | 53.7038% | 3,847 |
| Total domestic deposits to total assets | 92.3700% | 426 |
| Equity capital to assets | 7.1564% | 3,756 |
| Core capital (leverage) ratio | 10.7312% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $363,965,500 | 2,179 |
| Average earning assets | $344,287,500 | 2,153 |
| Average equity | $25,721,500 | 2,503 |
| Average total loans | $177,893,000 | 2,479 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3684% | 3,425 |
| Cost of funding earning assets | 0.2602% | 3,240 |
| Net interest margin | 3.1083% | 3,157 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.1126% | 3,255 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.2229% | 1,690 |
| Return on assets (ROA) | 1.2229% | 1,641 |
| Pretax return on assets | 1.5353% | 1,344 |
| Return on Equity (ROE) | 16.5200% | 955 |
| Retained earnings to average equity (ytd only) | 16.5171% | 201 |
| Net charge-offs to loans | 0.0035% | 2,335 |
| Credit loss provision to net charge-offs | 2,000.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 973.5000% | 179 |
| Efficiency ratio | 57.4054% | 3,417 |
| Assets per employee ($millions) | 7.0866% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,222 |
| Loan loss allowance to noncurrent loans | 6,351.7241% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,823 |
| Noncurrent loans to loans | 0.0162% | 3,721 |
| Net loans and leases to total assets | 48.2300% | 3,655 |
| Net loans and leases to deposits | 52.5863% | 3,761 |
| Net loans and leases to core deposits | 53.1623% | 3,856 |
| Total domestic deposits to total assets | 91.7100% | 712 |
| Equity capital to assets | 6.9877% | 3,675 |
| Core capital (leverage) ratio | 10.5729% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $372,629,800 | 2,133 |
| Average earning assets | $354,764,000 | 2,094 |
| Average equity | $27,589,600 | 2,446 |
| Average total loans | $169,657,800 | 2,460 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1768% | 3,490 |
| Cost of funding earning assets | 0.2300% | 2,927 |
| Net interest margin | 2.9468% | 3,368 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.0639% | 3,309 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.1796% | 1,775 |
| Return on assets (ROA) | 1.1796% | 1,746 |
| Pretax return on assets | 1.4715% | 1,494 |
| Return on Equity (ROE) | 15.7100% | 1,036 |
| Retained earnings to average equity (ytd only) | 15.7147% | 300 |
| Net charge-offs to loans | 0.0024% | 2,183 |
| Credit loss provision to net charge-offs | 3,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 1,404.6667% | 92 |
| Efficiency ratio | 57.8516% | 3,398 |
| Assets per employee ($millions) | 7.3735% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,313 |
| Loan loss allowance to noncurrent loans | 13,961.5385% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 3,900 |
| Noncurrent loans to loans | 0.0074% | 3,896 |
| Net loans and leases to total assets | 46.9600% | 3,705 |
| Net loans and leases to deposits | 50.4786% | 3,823 |
| Net loans and leases to core deposits | 50.9274% | 3,907 |
| Total domestic deposits to total assets | 93.0400% | 570 |
| Equity capital to assets | 6.5798% | 3,701 |
| Core capital (leverage) ratio | 10.1698% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $373,661,000 | 2,134 |
| Average earning assets | $356,580,750 | 2,094 |
| Average equity | $28,049,500 | 2,461 |
| Average total loans | $167,181,750 | 2,481 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9849% | 3,593 |
| Cost of funding earning assets | 0.2358% | 2,440 |
| Net interest margin | 2.7491% | 3,578 |
| Noninterest income to average assets | 0.7567% | 1,158 |
| Noninterest expense to average assets | 2.0276% | 3,359 |
| Loan and lease loss provision to assets | 0.0320% | 2,015 |
| Net operating income to assets | 1.0631% | 1,927 |
| Return on assets (ROA) | 1.0631% | 1,898 |
| Pretax return on assets | 1.3247% | 1,661 |
| Return on Equity (ROE) | 13.6116% | 1,209 |
| Retained earnings to average equity (ytd only) | 13.6116% | 402 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9118% | 3,307 |
| Assets per employee ($millions) | 7.3147% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 3,168 |
| Loan loss allowance to noncurrent loans | 12,771.4286% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 3,936 |
| Noncurrent loans to loans | 0.0086% | 3,931 |
| Net loans and leases to total assets | 43.9901% | 3,835 |
| Net loans and leases to deposits | 47.1451% | 3,978 |
| Net loans and leases to core deposits | 47.6216% | 4,044 |
| Total domestic deposits to total assets | 93.3078% | 436 |
| Equity capital to assets | 6.3272% | 4,090 |
| Core capital (leverage) ratio | 9.6263% | 2,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $375,323,000 | 2,139 |
| Average earning assets | $358,740,667 | 2,106 |
| Average equity | $29,313,333 | 2,448 |
| Average total loans | $164,590,000 | 2,511 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7538% | 3,835 |
| Cost of funding earning assets | 0.2372% | 2,297 |
| Net interest margin | 2.5167% | 3,869 |
| Noninterest income to average assets | 0.7366% | 1,201 |
| Noninterest expense to average assets | 1.9783% | 3,487 |
| Loan and lease loss provision to assets | 0.0316% | 1,796 |
| Net operating income to assets | 0.9166% | 2,219 |
| Return on assets (ROA) | 0.9166% | 2,217 |
| Pretax return on assets | 1.1386% | 2,022 |
| Return on Equity (ROE) | 10.7533% | 1,704 |
| Retained earnings to average equity (ytd only) | 10.7533% | 832 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8342% | 3,166 |
| Assets per employee ($millions) | 8.4250% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,538 |
| Loan loss allowance to noncurrent loans | 14,650.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 3,988 |
| Noncurrent loans to loans | 0.0071% | 3,975 |
| Net loans and leases to total assets | 42.8605% | 3,827 |
| Net loans and leases to deposits | 46.6512% | 3,946 |
| Net loans and leases to core deposits | 47.1346% | 4,019 |
| Total domestic deposits to total assets | 91.8743% | 627 |
| Equity capital to assets | 7.7405% | 3,775 |
| Core capital (leverage) ratio | 9.5807% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $380,116,000 | 2,131 |
| Average earning assets | $364,291,000 | 2,098 |
| Average equity | $32,399,500 | 2,364 |
| Average total loans | $165,547,000 | 2,505 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2865% | 3,249 |
| Cost of funding earning assets | 0.3586% | 1,865 |
| Net interest margin | 2.9279% | 3,381 |
| Noninterest income to average assets | 0.9118% | 1,174 |
| Noninterest expense to average assets | 2.2051% | 3,068 |
| Loan and lease loss provision to assets | 0.0351% | 2,351 |
| Net operating income to assets | 1.1813% | 1,988 |
| Return on assets (ROA) | 1.1832% | 2,048 |
| Pretax return on assets | 1.4844% | 1,778 |
| Return on Equity (ROE) | 12.0468% | 1,800 |
| Retained earnings to average equity (ytd only) | 6.7983% | 2,001 |
| Net charge-offs to loans | -0.0037% | 3,481 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2403% | 3,265 |
| Assets per employee ($millions) | 7.9242% | 1,369 |
| Cash dividends to net income (ytd only)* | 43.5675% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,535 |
| Loan loss allowance to noncurrent loans | 1,440.0000% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 3,751 |
| Noncurrent loans to loans | 0.0735% | 3,565 |
| Net loans and leases to total assets | 43.3640% | 3,883 |
| Net loans and leases to deposits | 48.0241% | 3,996 |
| Net loans and leases to core deposits | 48.4680% | 4,076 |
| Total domestic deposits to total assets | 90.2963% | 815 |
| Equity capital to assets | 9.2539% | 3,367 |
| Core capital (leverage) ratio | 9.8867% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $341,614,600 | 2,236 |
| Average earning assets | $327,919,600 | 2,198 |
| Average equity | $33,552,400 | 2,354 |
| Average total loans | $162,338,000 | 2,524 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3652% | 3,204 |
| Cost of funding earning assets | 0.3888% | 1,787 |
| Net interest margin | 2.9764% | 3,370 |
| Noninterest income to average assets | 0.9923% | 1,083 |
| Noninterest expense to average assets | 2.2265% | 2,986 |
| Loan and lease loss provision to assets | 0.0359% | 2,281 |
| Net operating income to assets | 1.2644% | 1,942 |
| Return on assets (ROA) | 1.2670% | 1,987 |
| Pretax return on assets | 1.5880% | 1,747 |
| Return on Equity (ROE) | 12.6951% | 1,802 |
| Retained earnings to average equity (ytd only) | 5.6494% | 2,981 |
| Net charge-offs to loans | -0.0049% | 3,434 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8723% | 3,280 |
| Assets per employee ($millions) | 7.1699% | 1,755 |
| Cash dividends to net income (ytd only)* | 55.4995% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 3,857 |
| Loan loss allowance to noncurrent loans | 1,022.8916% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 3,780 |
| Noncurrent loans to loans | 0.0975% | 3,595 |
| Net loans and leases to total assets | 48.9945% | 3,528 |
| Net loans and leases to deposits | 54.8084% | 3,670 |
| Net loans and leases to core deposits | 55.5568% | 3,808 |
| Total domestic deposits to total assets | 89.3923% | 1,078 |
| Equity capital to assets | 10.1347% | 2,775 |
| Core capital (leverage) ratio | 10.2570% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $333,909,250 | 2,292 |
| Average earning assets | $320,294,500 | 2,253 |
| Average equity | $33,324,250 | 2,395 |
| Average total loans | $162,114,750 | 2,563 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2565% | 3,544 |
| Cost of funding earning assets | 0.4111% | 1,791 |
| Net interest margin | 2.8454% | 3,688 |
| Noninterest income to average assets | 0.6947% | 1,830 |
| Noninterest expense to average assets | 2.2560% | 2,898 |
| Loan and lease loss provision to assets | 0.0363% | 2,265 |
| Net operating income to assets | 0.9063% | 3,198 |
| Return on assets (ROA) | 0.9102% | 3,268 |
| Pretax return on assets | 1.1341% | 3,103 |
| Return on Equity (ROE) | 9.1691% | 3,047 |
| Retained earnings to average equity (ytd only) | -1.5668% | 4,646 |
| Net charge-offs to loans | -0.0088% | 3,623 |
| Credit loss provision to net charge-offs | -857.1429% | 3,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9356% | 2,163 |
| Assets per employee ($millions) | 7.2030% | 1,660 |
| Cash dividends to net income (ytd only)* | 117.0878% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 3,784 |
| Loan loss allowance to noncurrent loans | 838.6935% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 3,796 |
| Noncurrent loans to loans | 0.1205% | 3,588 |
| Net loans and leases to total assets | 48.2914% | 3,699 |
| Net loans and leases to deposits | 53.7475% | 3,871 |
| Net loans and leases to core deposits | 54.5814% | 3,989 |
| Total domestic deposits to total assets | 89.8486% | 845 |
| Equity capital to assets | 9.7084% | 3,136 |
| Core capital (leverage) ratio | 9.7601% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $330,494,000 | 2,305 |
| Average earning assets | $316,720,000 | 2,253 |
| Average equity | $32,806,000 | 2,414 |
| Average total loans | $159,381,333 | 2,601 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2591% | 3,549 |
| Cost of funding earning assets | 0.4090% | 2,019 |
| Net interest margin | 2.8501% | 3,637 |
| Noninterest income to average assets | 0.6947% | 1,887 |
| Noninterest expense to average assets | 2.2446% | 2,959 |
| Loan and lease loss provision to assets | 0.0368% | 2,285 |
| Net operating income to assets | 0.9226% | 3,072 |
| Return on assets (ROA) | 0.9226% | 3,143 |
| Pretax return on assets | 1.1456% | 3,002 |
| Return on Equity (ROE) | 9.1898% | 2,966 |
| Retained earnings to average equity (ytd only) | -12.3019% | 4,851 |
| Net charge-offs to loans | -0.0153% | 3,868 |
| Credit loss provision to net charge-offs | -500.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4987% | 2,302 |
| Assets per employee ($millions) | 7.2338% | 1,622 |
| Cash dividends to net income (ytd only)* | 233.8645% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,715 |
| Loan loss allowance to noncurrent loans | 806.8966% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 3,898 |
| Noncurrent loans to loans | 0.1281% | 3,667 |
| Net loans and leases to total assets | 46.1434% | 3,948 |
| Net loans and leases to deposits | 51.0680% | 4,103 |
| Net loans and leases to core deposits | 52.0040% | 4,194 |
| Total domestic deposits to total assets | 90.3568% | 641 |
| Equity capital to assets | 9.2432% | 3,452 |
| Core capital (leverage) ratio | 10.1807% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,469,500 | 2,308 |
| Average earning assets | $312,973,500 | 2,255 |
| Average equity | $32,775,500 | 2,408 |
| Average total loans | $156,494,000 | 2,630 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9316% | 2,930 |
| Cost of funding earning assets | 0.5255% | 2,778 |
| Net interest margin | 3.4061% | 2,759 |
| Noninterest income to average assets | 0.7899% | 1,561 |
| Noninterest expense to average assets | 2.5443% | 2,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2165% | 1,495 |
| Return on assets (ROA) | 1.2202% | 1,593 |
| Pretax return on assets | 1.4929% | 1,355 |
| Return on Equity (ROE) | 10.9660% | 1,638 |
| Retained earnings to average equity (ytd only) | 10.9660% | 434 |
| Net charge-offs to loans | 0.1431% | 1,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 18.5172% | 2,020 |
| Efficiency ratio | 63.0928% | 2,961 |
| Assets per employee ($millions) | 6.5267% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 3,730 |
| Loan loss allowance to noncurrent loans | 759.2417% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 3,960 |
| Noncurrent loans to loans | 0.1366% | 3,735 |
| Net loans and leases to total assets | 48.7947% | 3,919 |
| Net loans and leases to deposits | 55.2104% | 4,055 |
| Net loans and leases to core deposits | 56.2000% | 4,143 |
| Total domestic deposits to total assets | 88.3795% | 1,288 |
| Equity capital to assets | 10.9888% | 2,261 |
| Core capital (leverage) ratio | 10.8448% | 1,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,642,400 | 2,349 |
| Average earning assets | $274,802,000 | 2,322 |
| Average equity | $32,117,600 | 2,384 |
| Average total loans | $162,136,600 | 2,552 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0564% | 2,803 |
| Cost of funding earning assets | 0.5519% | 2,915 |
| Net interest margin | 3.5045% | 2,577 |
| Noninterest income to average assets | 0.8118% | 1,446 |
| Noninterest expense to average assets | 2.6016% | 2,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2364% | 1,529 |
| Return on assets (ROA) | 1.2413% | 1,635 |
| Pretax return on assets | 1.5491% | 1,332 |
| Return on Equity (ROE) | 11.1177% | 1,640 |
| Retained earnings to average equity (ytd only) | 11.1177% | 552 |
| Net charge-offs to loans | 0.2267% | 674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 11.7168% | 2,286 |
| Efficiency ratio | 62.7719% | 2,949 |
| Assets per employee ($millions) | 6.2046% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 3,866 |
| Loan loss allowance to noncurrent loans | 402.8497% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 3,749 |
| Noncurrent loans to loans | 0.2370% | 3,456 |
| Net loans and leases to total assets | 53.0678% | 3,884 |
| Net loans and leases to deposits | 60.0942% | 4,053 |
| Net loans and leases to core deposits | 61.2025% | 4,148 |
| Total domestic deposits to total assets | 88.3078% | 1,057 |
| Equity capital to assets | 11.0235% | 2,383 |
| Core capital (leverage) ratio | 10.9885% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,482,500 | 2,363 |
| Average earning assets | $268,637,250 | 2,339 |
| Average equity | $31,540,500 | 2,401 |
| Average total loans | $164,054,000 | 2,544 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2678% | 2,552 |
| Cost of funding earning assets | 0.5853% | 3,043 |
| Net interest margin | 3.6825% | 2,236 |
| Noninterest income to average assets | 0.7969% | 1,447 |
| Noninterest expense to average assets | 2.6843% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2752% | 1,420 |
| Return on assets (ROA) | 1.2786% | 1,531 |
| Pretax return on assets | 1.6135% | 1,197 |
| Return on Equity (ROE) | 11.3980% | 1,511 |
| Retained earnings to average equity (ytd only) | 11.3980% | 550 |
| Net charge-offs to loans | 0.0073% | 2,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 369.1667% | 276 |
| Efficiency ratio | 62.5212% | 3,042 |
| Assets per employee ($millions) | 6.0806% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 3,088 |
| Loan loss allowance to noncurrent loans | 191.0136% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 2,988 |
| Noncurrent loans to loans | 0.5737% | 2,438 |
| Net loans and leases to total assets | 55.3716% | 3,741 |
| Net loans and leases to deposits | 62.5696% | 3,972 |
| Net loans and leases to core deposits | 64.3116% | 4,057 |
| Total domestic deposits to total assets | 88.4959% | 948 |
| Equity capital to assets | 10.9046% | 2,419 |
| Core capital (leverage) ratio | 10.9644% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,302,000 | 2,375 |
| Average earning assets | $261,398,667 | 2,355 |
| Average equity | $30,882,667 | 2,417 |
| Average total loans | $164,440,667 | 2,527 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 2,368 |
| Cost of funding earning assets | 0.6515% | 3,161 |
| Net interest margin | 3.8273% | 1,885 |
| Noninterest income to average assets | 0.8758% | 1,118 |
| Noninterest expense to average assets | 2.7199% | 2,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4081% | 958 |
| Return on assets (ROA) | 1.4153% | 1,021 |
| Pretax return on assets | 1.7971% | 705 |
| Return on Equity (ROE) | 12.4206% | 1,005 |
| Retained earnings to average equity (ytd only) | 12.4206% | 379 |
| Net charge-offs to loans | 0.0147% | 2,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 196.6667% | 351 |
| Efficiency ratio | 60.3361% | 3,697 |
| Assets per employee ($millions) | 5.2670% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 3,044 |
| Loan loss allowance to noncurrent loans | 191.2134% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 2,991 |
| Noncurrent loans to loans | 0.5912% | 2,526 |
| Net loans and leases to total assets | 58.3771% | 3,641 |
| Net loans and leases to deposits | 66.1310% | 3,856 |
| Net loans and leases to core deposits | 68.4307% | 3,963 |
| Total domestic deposits to total assets | 88.2749% | 986 |
| Equity capital to assets | 11.1073% | 2,766 |
| Core capital (leverage) ratio | 11.7706% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,979,500 | 2,402 |
| Average earning assets | $250,517,500 | 2,369 |
| Average equity | $30,079,000 | 2,447 |
| Average total loans | $163,258,000 | 2,511 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7842% | 2,090 |
| Cost of funding earning assets | 0.6825% | 3,249 |
| Net interest margin | 4.1017% | 1,535 |
| Noninterest income to average assets | 0.8155% | 1,407 |
| Noninterest expense to average assets | 2.7975% | 2,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4649% | 1,144 |
| Return on assets (ROA) | 1.4688% | 1,192 |
| Pretax return on assets | 1.8710% | 792 |
| Return on Equity (ROE) | 14.2722% | 847 |
| Retained earnings to average equity (ytd only) | 8.1860% | 915 |
| Net charge-offs to loans | 0.0012% | 3,685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 2,422.0000% | 24 |
| Efficiency ratio | 59.9868% | 3,696 |
| Assets per employee ($millions) | 5.0876% | 2,470 |
| Cash dividends to net income (ytd only)* | 42.6436% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 2,871 |
| Loan loss allowance to noncurrent loans | 100.4381% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7324% | 1,770 |
| Noncurrent loans to loans | 1.1080% | 1,360 |
| Net loans and leases to total assets | 64.0647% | 3,192 |
| Net loans and leases to deposits | 73.3533% | 3,404 |
| Net loans and leases to core deposits | 77.2867% | 3,495 |
| Total domestic deposits to total assets | 87.3372% | 1,439 |
| Equity capital to assets | 11.3679% | 2,647 |
| Core capital (leverage) ratio | 11.6056% | 2,035 |
| Tier 1 risk-based capital ratio | 16.7461% | 2,139 |
| Total risk-based capital ratio | 17.7688% | 2,154 |
| Memoranda: | ||
| Average total assets | $259,592,200 | 2,396 |
| Average earning assets | $243,531,200 | 2,379 |
| Average equity | $26,716,200 | 2,580 |
| Average total loans | $168,841,400 | 2,419 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 2,131 |
| Cost of funding earning assets | 0.6687% | 3,359 |
| Net interest margin | 4.1265% | 1,557 |
| Noninterest income to average assets | 0.7620% | 1,552 |
| Noninterest expense to average assets | 2.7443% | 2,730 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4786% | 1,248 |
| Return on assets (ROA) | 1.4790% | 1,308 |
| Pretax return on assets | 1.8812% | 907 |
| Return on Equity (ROE) | 14.7466% | 835 |
| Retained earnings to average equity (ytd only) | 6.4612% | 2,137 |
| Net charge-offs to loans | 0.0024% | 3,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1,226.6350% | 65 |
| Efficiency ratio | 59.3370% | 3,761 |
| Assets per employee ($millions) | 5.1500% | 2,394 |
| Cash dividends to net income (ytd only)* | 56.1853% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,242 |
| Loan loss allowance to noncurrent loans | 175.2390% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 2,827 |
| Noncurrent loans to loans | 0.6030% | 2,476 |
| Net loans and leases to total assets | 66.6554% | 2,967 |
| Net loans and leases to deposits | 75.7926% | 3,315 |
| Net loans and leases to core deposits | 81.4727% | 3,281 |
| Total domestic deposits to total assets | 87.9444% | 1,057 |
| Equity capital to assets | 10.8117% | 3,282 |
| Core capital (leverage) ratio | 11.2644% | 2,412 |
| Tier 1 risk-based capital ratio | 15.5812% | 2,609 |
| Total risk-based capital ratio | 16.5622% | 2,640 |
| Memoranda: | ||
| Average total assets | $260,894,750 | 2,410 |
| Average earning assets | $244,237,750 | 2,393 |
| Average equity | $26,165,750 | 2,628 |
| Average total loans | $169,851,000 | 2,441 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7532% | 2,211 |
| Cost of funding earning assets | 0.6429% | 3,448 |
| Net interest margin | 4.1102% | 1,577 |
| Noninterest income to average assets | 0.7808% | 1,407 |
| Noninterest expense to average assets | 2.8272% | 2,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4099% | 1,408 |
| Return on assets (ROA) | 1.4105% | 1,455 |
| Pretax return on assets | 1.7899% | 1,058 |
| Return on Equity (ROE) | 14.4332% | 890 |
| Retained earnings to average equity (ytd only) | 1.7339% | 4,195 |
| Net charge-offs to loans | 0.0036% | 3,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 781.3333% | 98 |
| Efficiency ratio | 61.2434% | 3,551 |
| Assets per employee ($millions) | 5.0362% | 2,434 |
| Cash dividends to net income (ytd only)* | 87.9870% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,375 |
| Loan loss allowance to noncurrent loans | 171.9512% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 2,828 |
| Noncurrent loans to loans | 0.6066% | 2,443 |
| Net loans and leases to total assets | 66.4079% | 3,053 |
| Net loans and leases to deposits | 75.2275% | 3,401 |
| Net loans and leases to core deposits | 79.5331% | 3,459 |
| Total domestic deposits to total assets | 88.2761% | 978 |
| Equity capital to assets | 10.2061% | 3,790 |
| Core capital (leverage) ratio | 10.7776% | 2,813 |
| Tier 1 risk-based capital ratio | 14.6448% | 3,000 |
| Total risk-based capital ratio | 15.6013% | 3,061 |
| Memoranda: | ||
| Average total assets | $262,026,670 | 2,407 |
| Average earning assets | $244,511,330 | 2,396 |
| Average equity | $25,607,670 | 2,667 |
| Average total loans | $168,644,670 | 2,461 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6987% | 2,233 |
| Cost of funding earning assets | 0.6517% | 3,313 |
| Net interest margin | 4.0470% | 1,696 |
| Noninterest income to average assets | 0.7646% | 1,382 |
| Noninterest expense to average assets | 2.7944% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3552% | 1,512 |
| Return on assets (ROA) | 1.3552% | 1,553 |
| Pretax return on assets | 1.7230% | 1,163 |
| Return on Equity (ROE) | 14.1811% | 930 |
| Retained earnings to average equity (ytd only) | -11.7856% | 5,152 |
| Net charge-offs to loans | 0.0097% | 2,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 282.2500% | 288 |
| Efficiency ratio | 61.8581% | 3,554 |
| Assets per employee ($millions) | 5.0099% | 2,504 |
| Cash dividends to net income (ytd only)* | 183.1081% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,127 |
| Loan loss allowance to noncurrent loans | 167.4589% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 2,852 |
| Noncurrent loans to loans | 0.6570% | 2,374 |
| Net loans and leases to total assets | 63.2162% | 3,380 |
| Net loans and leases to deposits | 71.1136% | 3,680 |
| Net loans and leases to core deposits | 74.4802% | 3,772 |
| Total domestic deposits to total assets | 88.8946% | 912 |
| Equity capital to assets | 9.5910% | 4,171 |
| Core capital (leverage) ratio | 10.4571% | 3,096 |
| Tier 1 risk-based capital ratio | 14.5067% | 3,100 |
| Total risk-based capital ratio | 15.4872% | 3,154 |
| Memoranda: | ||
| Average total assets | $262,098,500 | 2,428 |
| Average earning assets | $243,045,000 | 2,427 |
| Average equity | $25,047,500 | 2,711 |
| Average total loans | $165,095,000 | 2,511 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4411% | 2,631 |
| Cost of funding earning assets | 0.5335% | 3,157 |
| Net interest margin | 3.9076% | 2,303 |
| Noninterest income to average assets | 0.7912% | 1,482 |
| Noninterest expense to average assets | 2.8208% | 2,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2746% | 1,894 |
| Return on assets (ROA) | 1.2750% | 1,891 |
| Pretax return on assets | 1.6004% | 1,471 |
| Return on Equity (ROE) | 13.7979% | 1,097 |
| Retained earnings to average equity (ytd only) | 9.1222% | 817 |
| Net charge-offs to loans | 0.1255% | 1,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 20.8214% | 1,974 |
| Efficiency ratio | 63.8081% | 3,213 |
| Assets per employee ($millions) | 5.1703% | 2,306 |
| Cash dividends to net income (ytd only)* | 33.8868% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 2,972 |
| Loan loss allowance to noncurrent loans | 164.9596% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 2,818 |
| Noncurrent loans to loans | 0.6800% | 2,295 |
| Net loans and leases to total assets | 61.3748% | 3,623 |
| Net loans and leases to deposits | 68.9637% | 3,906 |
| Net loans and leases to core deposits | 76.7285% | 3,666 |
| Total domestic deposits to total assets | 88.9959% | 856 |
| Equity capital to assets | 9.5224% | 4,110 |
| Core capital (leverage) ratio | 10.7522% | 2,787 |
| Tier 1 risk-based capital ratio | 14.7667% | 2,935 |
| Total risk-based capital ratio | 15.7404% | 2,982 |
| Memoranda: | ||
| Average total assets | $255,068,400 | 2,439 |
| Average earning assets | $236,924,200 | 2,437 |
| Average equity | $23,568,800 | 2,769 |
| Average total loans | $156,228,400 | 2,563 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 2,787 |
| Cost of funding earning assets | 0.4985% | 3,211 |
| Net interest margin | 3.8530% | 2,465 |
| Noninterest income to average assets | 0.8055% | 1,457 |
| Noninterest expense to average assets | 2.8441% | 2,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2505% | 2,042 |
| Return on assets (ROA) | 1.2505% | 2,049 |
| Pretax return on assets | 1.5552% | 1,718 |
| Return on Equity (ROE) | 13.6414% | 1,218 |
| Retained earnings to average equity (ytd only) | 7.3038% | 1,971 |
| Net charge-offs to loans | 0.1727% | 959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 2,267 |
| Efficiency ratio | 64.6495% | 3,081 |
| Assets per employee ($millions) | 5.0145% | 2,450 |
| Cash dividends to net income (ytd only)* | 46.4588% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 3,043 |
| Loan loss allowance to noncurrent loans | 161.1258% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 2,854 |
| Noncurrent loans to loans | 0.6991% | 2,328 |
| Net loans and leases to total assets | 62.8793% | 3,557 |
| Net loans and leases to deposits | 70.5034% | 3,881 |
| Net loans and leases to core deposits | 76.5139% | 3,767 |
| Total domestic deposits to total assets | 89.1862% | 778 |
| Equity capital to assets | 9.2415% | 4,333 |
| Core capital (leverage) ratio | 10.5934% | 2,987 |
| Tier 1 risk-based capital ratio | 14.5760% | 3,078 |
| Total risk-based capital ratio | 15.5663% | 3,127 |
| Memoranda: | ||
| Average total assets | $252,914,750 | 2,471 |
| Average earning assets | $235,895,500 | 2,460 |
| Average equity | $23,183,750 | 2,813 |
| Average total loans | $154,367,750 | 2,609 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 2,771 |
| Cost of funding earning assets | 0.4662% | 3,247 |
| Net interest margin | 3.8300% | 2,454 |
| Noninterest income to average assets | 0.8112% | 1,440 |
| Noninterest expense to average assets | 2.9019% | 2,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1890% | 2,244 |
| Return on assets (ROA) | 1.1890% | 2,242 |
| Pretax return on assets | 1.4700% | 1,926 |
| Return on Equity (ROE) | 13.0070% | 1,369 |
| Retained earnings to average equity (ytd only) | 3.4384% | 3,860 |
| Net charge-offs to loans | 0.2586% | 620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.4490% | 2,393 |
| Efficiency ratio | 66.3762% | 2,915 |
| Assets per employee ($millions) | 4.6781% | 2,843 |
| Cash dividends to net income (ytd only)* | 73.5648% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,830 |
| Loan loss allowance to noncurrent loans | 157.3265% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 2,814 |
| Noncurrent loans to loans | 0.7509% | 2,239 |
| Net loans and leases to total assets | 61.9401% | 3,608 |
| Net loans and leases to deposits | 71.1071% | 3,775 |
| Net loans and leases to core deposits | 73.1487% | 3,933 |
| Total domestic deposits to total assets | 87.1082% | 1,799 |
| Equity capital to assets | 9.2748% | 4,313 |
| Core capital (leverage) ratio | 10.3617% | 3,171 |
| Tier 1 risk-based capital ratio | 14.9390% | 2,902 |
| Total risk-based capital ratio | 15.9902% | 2,929 |
| Memoranda: | ||
| Average total assets | $251,973,330 | 2,486 |
| Average earning assets | $234,255,330 | 2,480 |
| Average equity | $23,033,670 | 2,842 |
| Average total loans | $151,610,670 | 2,650 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 2,752 |
| Cost of funding earning assets | 0.4584% | 3,143 |
| Net interest margin | 3.7796% | 2,504 |
| Noninterest income to average assets | 0.7796% | 1,520 |
| Noninterest expense to average assets | 2.8521% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1497% | 2,222 |
| Return on assets (ROA) | 1.1497% | 2,230 |
| Pretax return on assets | 1.4205% | 1,932 |
| Return on Equity (ROE) | 12.6667% | 1,361 |
| Retained earnings to average equity (ytd only) | -6.4548% | 5,265 |
| Net charge-offs to loans | 0.6626% | 225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 3.6371% | 2,368 |
| Efficiency ratio | 66.7527% | 3,042 |
| Assets per employee ($millions) | 5.0591% | 2,415 |
| Cash dividends to net income (ytd only)* | 150.9589% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 2,918 |
| Loan loss allowance to noncurrent loans | 115.9948% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6666% | 2,326 |
| Noncurrent loans to loans | 1.0192% | 1,797 |
| Net loans and leases to total assets | 57.7918% | 3,958 |
| Net loans and leases to deposits | 64.4527% | 4,184 |
| Net loans and leases to core deposits | 65.7330% | 4,328 |
| Total domestic deposits to total assets | 89.6654% | 800 |
| Equity capital to assets | 8.7115% | 4,817 |
| Core capital (leverage) ratio | 10.1475% | 3,363 |
| Tier 1 risk-based capital ratio | 14.5508% | 3,096 |
| Total risk-based capital ratio | 15.5759% | 3,130 |
| Memoranda: | ||
| Average total assets | $253,989,500 | 2,488 |
| Average earning assets | $234,731,500 | 2,494 |
| Average equity | $23,052,500 | 2,860 |
| Average total loans | $149,710,500 | 2,689 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 2,401 |
| Cost of funding earning assets | 0.4480% | 2,796 |
| Net interest margin | 3.8305% | 2,315 |
| Noninterest income to average assets | 0.8286% | 1,472 |
| Noninterest expense to average assets | 2.9226% | 2,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8960% | 2,733 |
| Return on assets (ROA) | 0.8957% | 2,763 |
| Pretax return on assets | 1.4588% | 1,784 |
| Return on Equity (ROE) | 8.9078% | 2,354 |
| Retained earnings to average equity (ytd only) | -3.9222% | 5,394 |
| Net charge-offs to loans | 0.0047% | 3,919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 512.7143% | 170 |
| Efficiency ratio | 66.6976% | 3,134 |
| Assets per employee ($millions) | 4.7163% | 2,844 |
| Cash dividends to net income (ytd only)* | 144.0309% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 1,892 |
| Loan loss allowance to noncurrent loans | 165.3377% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 2,665 |
| Noncurrent loans to loans | 0.8275% | 2,151 |
| Net loans and leases to total assets | 58.6059% | 3,959 |
| Net loans and leases to deposits | 66.6963% | 4,132 |
| Net loans and leases to core deposits | 68.0113% | 4,291 |
| Total domestic deposits to total assets | 87.8698% | 1,569 |
| Equity capital to assets | 9.4526% | 4,268 |
| Core capital (leverage) ratio | 10.2398% | 3,140 |
| Tier 1 risk-based capital ratio | 15.0293% | 2,843 |
| Total risk-based capital ratio | 16.2179% | 2,795 |
| Memoranda: | ||
| Average total assets | $245,949,200 | 2,518 |
| Average earning assets | $228,144,400 | 2,517 |
| Average equity | $24,731,000 | 2,692 |
| Average total loans | $149,300,000 | 2,661 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 2,491 |
| Cost of funding earning assets | 0.4429% | 2,779 |
| Net interest margin | 3.7932% | 2,430 |
| Noninterest income to average assets | 0.8372% | 1,454 |
| Noninterest expense to average assets | 2.9383% | 2,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0234% | 2,453 |
| Return on assets (ROA) | 1.0250% | 2,489 |
| Pretax return on assets | 1.4392% | 1,971 |
| Return on Equity (ROE) | 10.0397% | 2,117 |
| Retained earnings to average equity (ytd only) | 3.7855% | 3,669 |
| Net charge-offs to loans | 0.0268% | 2,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 87.9978% | 756 |
| Efficiency ratio | 67.1560% | 3,024 |
| Assets per employee ($millions) | 4.9387% | 2,522 |
| Cash dividends to net income (ytd only)* | 62.2943% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 2,294 |
| Loan loss allowance to noncurrent loans | 159.3180% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7565% | 2,235 |
| Noncurrent loans to loans | 0.8242% | 2,308 |
| Net loans and leases to total assets | 61.1432% | 3,754 |
| Net loans and leases to deposits | 69.5824% | 3,994 |
| Net loans and leases to core deposits | 71.2498% | 4,172 |
| Total domestic deposits to total assets | 87.8717% | 1,431 |
| Equity capital to assets | 10.5032% | 3,374 |
| Core capital (leverage) ratio | 11.0180% | 2,442 |
| Tier 1 risk-based capital ratio | 15.2211% | 2,827 |
| Total risk-based capital ratio | 16.3483% | 2,806 |
| Memoranda: | ||
| Average total assets | $244,945,750 | 2,547 |
| Average earning assets | $228,471,250 | 2,534 |
| Average equity | $25,006,750 | 2,696 |
| Average total loans | $149,493,750 | 2,678 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2093% | 2,434 |
| Cost of funding earning assets | 0.4416% | 2,678 |
| Net interest margin | 3.7678% | 2,420 |
| Noninterest income to average assets | 0.7983% | 1,578 |
| Noninterest expense to average assets | 2.9785% | 2,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9523% | 2,643 |
| Return on assets (ROA) | 0.9546% | 2,695 |
| Pretax return on assets | 1.3370% | 2,249 |
| Return on Equity (ROE) | 9.4424% | 2,299 |
| Retained earnings to average equity (ytd only) | -0.0567% | 5,087 |
| Net charge-offs to loans | 0.0202% | 2,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 108.6000% | 617 |
| Efficiency ratio | 69.0716% | 2,837 |
| Assets per employee ($millions) | 4.5632% | 3,007 |
| Cash dividends to net income (ytd only)* | 100.6003% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 2,256 |
| Loan loss allowance to noncurrent loans | 151.3837% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 2,188 |
| Noncurrent loans to loans | 0.8812% | 2,214 |
| Net loans and leases to total assets | 60.7504% | 3,765 |
| Net loans and leases to deposits | 68.9486% | 3,994 |
| Net loans and leases to core deposits | 70.1923% | 4,210 |
| Total domestic deposits to total assets | 88.1098% | 1,403 |
| Equity capital to assets | 10.2385% | 3,632 |
| Core capital (leverage) ratio | 10.7513% | 2,652 |
| Tier 1 risk-based capital ratio | 14.8964% | 2,973 |
| Total risk-based capital ratio | 16.0379% | 2,953 |
| Memoranda: | ||
| Average total assets | $244,282,670 | 2,559 |
| Average earning assets | $227,826,330 | 2,550 |
| Average equity | $24,697,000 | 2,722 |
| Average total loans | $148,327,330 | 2,697 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1951% | 2,293 |
| Cost of funding earning assets | 0.4385% | 2,632 |
| Net interest margin | 3.7566% | 2,274 |
| Noninterest income to average assets | 0.8256% | 1,467 |
| Noninterest expense to average assets | 2.9702% | 2,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9654% | 2,457 |
| Return on assets (ROA) | 0.9654% | 2,511 |
| Pretax return on assets | 1.3634% | 2,018 |
| Return on Equity (ROE) | 9.6107% | 2,133 |
| Retained earnings to average equity (ytd only) | -9.5944% | 5,569 |
| Net charge-offs to loans | -0.0164% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5389% | 3,119 |
| Assets per employee ($millions) | 4.5767% | 3,047 |
| Cash dividends to net income (ytd only)* | 199.8296% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 2,023 |
| Loan loss allowance to noncurrent loans | 155.8689% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.8056% | 2,288 |
| Noncurrent loans to loans | 0.9074% | 2,221 |
| Net loans and leases to total assets | 57.6781% | 4,003 |
| Net loans and leases to deposits | 65.1958% | 4,235 |
| Net loans and leases to core deposits | 66.7403% | 4,381 |
| Total domestic deposits to total assets | 88.4691% | 1,444 |
| Equity capital to assets | 9.8109% | 3,966 |
| Core capital (leverage) ratio | 10.7142% | 2,679 |
| Tier 1 risk-based capital ratio | 15.3772% | 2,806 |
| Total risk-based capital ratio | 16.5945% | 2,747 |
| Memoranda: | ||
| Average total assets | $243,217,500 | 2,586 |
| Average earning assets | $227,122,000 | 2,582 |
| Average equity | $24,431,000 | 2,756 |
| Average total loans | $146,630,500 | 2,737 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 2,217 |
| Cost of funding earning assets | 0.4310% | 2,696 |
| Net interest margin | 3.8474% | 2,149 |
| Noninterest income to average assets | 0.8513% | 1,572 |
| Noninterest expense to average assets | 3.0488% | 2,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9825% | 2,427 |
| Return on assets (ROA) | 0.9834% | 2,523 |
| Pretax return on assets | 1.4049% | 1,923 |
| Return on Equity (ROE) | 9.4622% | 2,204 |
| Retained earnings to average equity (ytd only) | 5.3949% | 2,080 |
| Net charge-offs to loans | 0.1209% | 2,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 19.1257% | 1,926 |
| Efficiency ratio | 68.4751% | 3,164 |
| Assets per employee ($millions) | 4.4275% | 3,225 |
| Cash dividends to net income (ytd only)* | 42.9851% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 2,216 |
| Loan loss allowance to noncurrent loans | 147.8608% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.8382% | 2,252 |
| Noncurrent loans to loans | 0.9276% | 2,238 |
| Net loans and leases to total assets | 61.3292% | 3,681 |
| Net loans and leases to deposits | 70.2051% | 3,883 |
| Net loans and leases to core deposits | 71.9447% | 4,087 |
| Total domestic deposits to total assets | 87.3572% | 1,951 |
| Equity capital to assets | 10.4147% | 3,254 |
| Core capital (leverage) ratio | 10.9466% | 2,390 |
| Tier 1 risk-based capital ratio | 15.4762% | 2,756 |
| Total risk-based capital ratio | 16.6707% | 2,717 |
| Memoranda: | ||
| Average total assets | $238,454,400 | 2,593 |
| Average earning assets | $223,189,000 | 2,567 |
| Average equity | $24,782,800 | 2,741 |
| Average total loans | $144,745,400 | 2,716 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 2,307 |
| Cost of funding earning assets | 0.4288% | 2,747 |
| Net interest margin | 3.8288% | 2,232 |
| Noninterest income to average assets | 0.8723% | 1,505 |
| Noninterest expense to average assets | 3.0728% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9724% | 2,559 |
| Return on assets (ROA) | 0.9736% | 2,683 |
| Pretax return on assets | 1.3882% | 2,075 |
| Return on Equity (ROE) | 9.3722% | 2,321 |
| Retained earnings to average equity (ytd only) | 3.9428% | 3,497 |
| Net charge-offs to loans | 0.0872% | 2,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 26.3618% | 1,601 |
| Efficiency ratio | 68.9084% | 3,057 |
| Assets per employee ($millions) | 4.4484% | 3,165 |
| Cash dividends to net income (ytd only)* | 57.9312% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 1,949 |
| Loan loss allowance to noncurrent loans | 142.4731% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 2,330 |
| Noncurrent loans to loans | 1.0222% | 2,199 |
| Net loans and leases to total assets | 59.7170% | 3,914 |
| Net loans and leases to deposits | 67.9681% | 4,156 |
| Net loans and leases to core deposits | 69.6370% | 4,349 |
| Total domestic deposits to total assets | 87.8604% | 1,472 |
| Equity capital to assets | 10.6247% | 3,432 |
| Core capital (leverage) ratio | 10.8506% | 2,624 |
| Tier 1 risk-based capital ratio | 15.4334% | 2,860 |
| Total risk-based capital ratio | 16.6836% | 2,790 |
| Memoranda: | ||
| Average total assets | $238,296,750 | 2,603 |
| Average earning assets | $223,248,500 | 2,571 |
| Average equity | $24,753,500 | 2,765 |
| Average total loans | $143,764,750 | 2,725 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2686% | 2,261 |
| Cost of funding earning assets | 0.4302% | 2,735 |
| Net interest margin | 3.8384% | 2,178 |
| Noninterest income to average assets | 0.8794% | 1,440 |
| Noninterest expense to average assets | 3.1213% | 2,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9484% | 2,631 |
| Return on assets (ROA) | 0.9484% | 2,774 |
| Pretax return on assets | 1.3549% | 2,190 |
| Return on Equity (ROE) | 9.2010% | 2,406 |
| Retained earnings to average equity (ytd only) | 0.9715% | 5,000 |
| Net charge-offs to loans | 0.1956% | 1,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 2,253 |
| Efficiency ratio | 69.7312% | 3,025 |
| Assets per employee ($millions) | 4.2804% | 3,403 |
| Cash dividends to net income (ytd only)* | 89.4410% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 2,101 |
| Loan loss allowance to noncurrent loans | 136.5372% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 2,383 |
| Noncurrent loans to loans | 1.0553% | 2,178 |
| Net loans and leases to total assets | 59.1858% | 3,989 |
| Net loans and leases to deposits | 67.1557% | 4,252 |
| Net loans and leases to core deposits | 68.7014% | 4,422 |
| Total domestic deposits to total assets | 88.1323% | 1,363 |
| Equity capital to assets | 10.4201% | 3,715 |
| Core capital (leverage) ratio | 10.4430% | 3,027 |
| Tier 1 risk-based capital ratio | 15.4396% | 2,884 |
| Total risk-based capital ratio | 16.6902% | 2,818 |
| Memoranda: | ||
| Average total assets | $237,658,000 | 2,620 |
| Average earning assets | $222,697,670 | 2,588 |
| Average equity | $24,497,330 | 2,791 |
| Average total loans | $143,163,670 | 2,734 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 2,165 |
| Cost of funding earning assets | 0.4275% | 2,789 |
| Net interest margin | 3.8618% | 2,061 |
| Noninterest income to average assets | 0.9314% | 1,228 |
| Noninterest expense to average assets | 3.1982% | 1,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9500% | 2,511 |
| Return on assets (ROA) | 0.9500% | 2,628 |
| Pretax return on assets | 1.3523% | 2,083 |
| Return on Equity (ROE) | 9.2672% | 2,299 |
| Retained earnings to average equity (ytd only) | -7.3544% | 5,732 |
| Net charge-offs to loans | -0.0056% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2823% | 3,069 |
| Assets per employee ($millions) | 4.3538% | 3,315 |
| Cash dividends to net income (ytd only)* | 179.3594% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5833% | 1,659 |
| Loan loss allowance to noncurrent loans | 119.3323% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.9643% | 2,299 |
| Noncurrent loans to loans | 1.3268% | 1,800 |
| Net loans and leases to total assets | 56.4972% | 4,197 |
| Net loans and leases to deposits | 63.7390% | 4,458 |
| Net loans and leases to core deposits | 64.9064% | 4,629 |
| Total domestic deposits to total assets | 88.6384% | 1,287 |
| Equity capital to assets | 9.8933% | 4,220 |
| Core capital (leverage) ratio | 10.4651% | 3,007 |
| Tier 1 risk-based capital ratio | 15.5237% | 2,900 |
| Total risk-based capital ratio | 16.7754% | 2,836 |
| Memoranda: | ||
| Average total assets | $236,636,500 | 2,637 |
| Average earning assets | $221,761,500 | 2,605 |
| Average equity | $24,257,500 | 2,811 |
| Average total loans | $142,774,000 | 2,740 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4762% | 1,674 |
| Cost of funding earning assets | 0.4621% | 2,517 |
| Net interest margin | 4.0141% | 1,672 |
| Noninterest income to average assets | 0.8663% | 1,543 |
| Noninterest expense to average assets | 3.2152% | 1,930 |
| Loan and lease loss provision to assets | 0.1109% | 2,143 |
| Net operating income to assets | 0.8879% | 2,941 |
| Return on assets (ROA) | 0.8879% | 3,020 |
| Pretax return on assets | 1.2722% | 2,388 |
| Return on Equity (ROE) | 8.5833% | 2,680 |
| Retained earnings to average equity (ytd only) | 3.2852% | 3,710 |
| Net charge-offs to loans | -0.1548% | 5,904 |
| Credit loss provision to net charge-offs | -112.0000% | 5,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9215% | 3,237 |
| Assets per employee ($millions) | 4.0959% | 3,765 |
| Cash dividends to net income (ytd only)* | 61.7253% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,898 |
| Loan loss allowance to noncurrent loans | 109.6582% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.1518% | 1,890 |
| Noncurrent loans to loans | 1.3868% | 1,692 |
| Net loans and leases to total assets | 62.5056% | 3,486 |
| Net loans and leases to deposits | 71.1833% | 3,801 |
| Net loans and leases to core deposits | 72.6908% | 4,072 |
| Total domestic deposits to total assets | 87.8094% | 1,742 |
| Equity capital to assets | 10.5924% | 3,260 |
| Core capital (leverage) ratio | 10.8884% | 2,505 |
| Tier 1 risk-based capital ratio | 15.9477% | 2,711 |
| Total risk-based capital ratio | 17.1995% | 2,646 |
| Memoranda: | ||
| Average total assets | $227,168,000 | 2,687 |
| Average earning assets | $211,204,600 | 2,664 |
| Average equity | $23,499,200 | 2,833 |
| Average total loans | $145,392,000 | 2,662 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 1,694 |
| Cost of funding earning assets | 0.4658% | 2,526 |
| Net interest margin | 4.0036% | 1,687 |
| Noninterest income to average assets | 0.8490% | 1,625 |
| Noninterest expense to average assets | 3.2630% | 1,795 |
| Loan and lease loss provision to assets | 0.1306% | 1,725 |
| Net operating income to assets | 0.8231% | 3,316 |
| Return on assets (ROA) | 0.8231% | 3,401 |
| Pretax return on assets | 1.1720% | 2,920 |
| Return on Equity (ROE) | 8.0055% | 3,062 |
| Retained earnings to average equity (ytd only) | 0.8812% | 5,354 |
| Net charge-offs to loans | -0.1761% | 5,962 |
| Credit loss provision to net charge-offs | -115.6250% | 5,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4691% | 2,968 |
| Assets per employee ($millions) | 4.2159% | 3,488 |
| Cash dividends to net income (ytd only)* | 88.9921% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 2,346 |
| Loan loss allowance to noncurrent loans | 102.4774% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.1886% | 1,989 |
| Noncurrent loans to loans | 1.4205% | 1,783 |
| Net loans and leases to total assets | 63.9622% | 3,315 |
| Net loans and leases to deposits | 72.6785% | 3,683 |
| Net loans and leases to core deposits | 74.2294% | 3,994 |
| Total domestic deposits to total assets | 88.0070% | 1,547 |
| Equity capital to assets | 10.4033% | 3,704 |
| Core capital (leverage) ratio | 10.7558% | 2,765 |
| Tier 1 risk-based capital ratio | 15.4973% | 3,051 |
| Total risk-based capital ratio | 16.7487% | 2,975 |
| Memoranda: | ||
| Average total assets | $226,616,750 | 2,715 |
| Average earning assets | $210,374,250 | 2,696 |
| Average equity | $23,300,000 | 2,878 |
| Average total loans | $145,343,750 | 2,673 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 1,752 |
| Cost of funding earning assets | 0.4679% | 2,535 |
| Net interest margin | 3.9615% | 1,775 |
| Noninterest income to average assets | 0.8043% | 1,760 |
| Noninterest expense to average assets | 3.2165% | 1,934 |
| Loan and lease loss provision to assets | 0.1697% | 1,230 |
| Net operating income to assets | 0.7549% | 3,623 |
| Return on assets (ROA) | 0.7549% | 3,721 |
| Pretax return on assets | 1.0854% | 3,236 |
| Return on Equity (ROE) | 7.3710% | 3,391 |
| Retained earnings to average equity (ytd only) | -3.3748% | 5,944 |
| Net charge-offs to loans | 0.0470% | 2,759 |
| Credit loss provision to net charge-offs | 564.7059% | 576 |
| Earnings coverage of net charge-offs (x) | 41.7647% | 1,100 |
| Efficiency ratio | 71.9312% | 3,007 |
| Assets per employee ($millions) | 4.0812% | 3,721 |
| Cash dividends to net income (ytd only)* | 145.7845% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 3,268 |
| Loan loss allowance to noncurrent loans | 138.7262% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.8162% | 2,937 |
| Noncurrent loans to loans | 0.9337% | 2,799 |
| Net loans and leases to total assets | 64.3334% | 3,220 |
| Net loans and leases to deposits | 72.8904% | 3,630 |
| Net loans and leases to core deposits | 74.3468% | 3,930 |
| Total domestic deposits to total assets | 88.2605% | 1,512 |
| Equity capital to assets | 10.2510% | 3,746 |
| Core capital (leverage) ratio | 10.5038% | 2,947 |
| Tier 1 risk-based capital ratio | 15.2543% | 3,222 |
| Total risk-based capital ratio | 16.4637% | 3,178 |
| Memoranda: | ||
| Average total assets | $226,269,670 | 2,734 |
| Average earning assets | $209,467,330 | 2,716 |
| Average equity | $23,172,000 | 2,901 |
| Average total loans | $144,536,330 | 2,691 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 1,687 |
| Cost of funding earning assets | 0.4670% | 2,589 |
| Net interest margin | 3.9545% | 1,706 |
| Noninterest income to average assets | 0.8927% | 1,407 |
| Noninterest expense to average assets | 3.2856% | 1,753 |
| Loan and lease loss provision to assets | 0.0528% | 2,888 |
| Net operating income to assets | 0.8364% | 3,074 |
| Return on assets (ROA) | 0.8364% | 3,202 |
| Pretax return on assets | 1.1920% | 2,703 |
| Return on Equity (ROE) | 8.1710% | 2,871 |
| Retained earnings to average equity (ytd only) | -13.2456% | 6,203 |
| Net charge-offs to loans | 0.0752% | 1,956 |
| Credit loss provision to net charge-offs | 111.1111% | 1,503 |
| Earnings coverage of net charge-offs (x) | 26.1852% | 1,247 |
| Efficiency ratio | 72.5223% | 3,085 |
| Assets per employee ($millions) | 4.1940% | 3,575 |
| Cash dividends to net income (ytd only)* | 262.1053% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 3,917 |
| Loan loss allowance to noncurrent loans | 132.5209% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.8703% | 2,902 |
| Noncurrent loans to loans | 0.9133% | 2,957 |
| Net loans and leases to total assets | 60.4744% | 3,583 |
| Net loans and leases to deposits | 68.0817% | 3,947 |
| Net loans and leases to core deposits | 69.8049% | 4,172 |
| Total domestic deposits to total assets | 88.8263% | 1,377 |
| Equity capital to assets | 9.7508% | 4,432 |
| Core capital (leverage) ratio | 10.4402% | 3,043 |
| Tier 1 risk-based capital ratio | 15.6007% | 3,104 |
| Total risk-based capital ratio | 16.7548% | 3,084 |
| Memoranda: | ||
| Average total assets | $227,172,000 | 2,743 |
| Average earning assets | $208,975,000 | 2,740 |
| Average equity | $23,253,000 | 2,906 |
| Average total loans | $143,654,000 | 2,710 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 1,305 |
| Cost of funding earning assets | 0.4877% | 2,800 |
| Net interest margin | 4.2141% | 1,260 |
| Noninterest income to average assets | 0.8938% | 1,517 |
| Noninterest expense to average assets | 3.2085% | 2,189 |
| Loan and lease loss provision to assets | 0.0338% | 3,915 |
| Net operating income to assets | 1.0887% | 2,020 |
| Return on assets (ROA) | 1.1211% | 1,958 |
| Pretax return on assets | 1.6103% | 1,209 |
| Return on Equity (ROE) | 10.9445% | 1,736 |
| Retained earnings to average equity (ytd only) | 5.3646% | 2,358 |
| Net charge-offs to loans | 0.3060% | 1,444 |
| Credit loss provision to net charge-offs | 17.0068% | 4,012 |
| Earnings coverage of net charge-offs (x) | 8.0499% | 2,933 |
| Efficiency ratio | 66.7572% | 4,099 |
| Assets per employee ($millions) | 3.9885% | 3,982 |
| Cash dividends to net income (ytd only)* | 50.9835% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 3,936 |
| Loan loss allowance to noncurrent loans | 123.5420% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 2,831 |
| Noncurrent loans to loans | 0.9795% | 2,878 |
| Net loans and leases to total assets | 64.6398% | 3,117 |
| Net loans and leases to deposits | 73.6668% | 3,476 |
| Net loans and leases to core deposits | 75.6879% | 3,741 |
| Total domestic deposits to total assets | 87.7462% | 1,898 |
| Equity capital to assets | 11.0198% | 2,876 |
| Core capital (leverage) ratio | 10.9797% | 2,429 |
| Tier 1 risk-based capital ratio | 16.5666% | 2,688 |
| Total risk-based capital ratio | 17.7512% | 2,664 |
| Memoranda: | ||
| Average total assets | $222,189,000 | 2,758 |
| Average earning assets | $206,285,000 | 2,739 |
| Average equity | $22,760,200 | 2,873 |
| Average total loans | $144,130,800 | 2,650 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 1,419 |
| Cost of funding earning assets | 0.4840% | 2,912 |
| Net interest margin | 4.1716% | 1,373 |
| Noninterest income to average assets | 0.8817% | 1,584 |
| Noninterest expense to average assets | 3.2188% | 2,125 |
| Loan and lease loss provision to assets | 0.0449% | 3,495 |
| Net operating income to assets | 1.0556% | 2,210 |
| Return on assets (ROA) | 1.0965% | 2,117 |
| Pretax return on assets | 1.5798% | 1,392 |
| Return on Equity (ROE) | 10.9072% | 1,822 |
| Retained earnings to average equity (ytd only) | 3.3501% | 4,229 |
| Net charge-offs to loans | 0.0878% | 2,955 |
| Credit loss provision to net charge-offs | 78.9474% | 2,616 |
| Earnings coverage of net charge-offs (x) | 27.5482% | 1,446 |
| Efficiency ratio | 67.2793% | 3,993 |
| Assets per employee ($millions) | 4.2101% | 3,461 |
| Cash dividends to net income (ytd only)* | 69.2853% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 3,231 |
| Loan loss allowance to noncurrent loans | 288.5042% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.6290% | 3,944 |
| Noncurrent loans to loans | 0.4812% | 4,465 |
| Net loans and leases to total assets | 65.0754% | 3,012 |
| Net loans and leases to deposits | 73.4856% | 3,497 |
| Net loans and leases to core deposits | 75.4124% | 3,815 |
| Total domestic deposits to total assets | 88.5554% | 1,474 |
| Equity capital to assets | 10.2363% | 3,878 |
| Core capital (leverage) ratio | 10.6123% | 2,911 |
| Tier 1 risk-based capital ratio | 15.8800% | 3,112 |
| Total risk-based capital ratio | 17.1317% | 3,059 |
| Memoranda: | ||
| Average total assets | $222,894,250 | 2,775 |
| Average earning assets | $208,514,500 | 2,740 |
| Average equity | $22,406,750 | 2,915 |
| Average total loans | $144,279,500 | 2,665 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6809% | 1,326 |
| Cost of funding earning assets | 0.4907% | 2,921 |
| Net interest margin | 4.1902% | 1,271 |
| Noninterest income to average assets | 0.8825% | 1,550 |
| Noninterest expense to average assets | 3.2681% | 1,999 |
| Loan and lease loss provision to assets | 0.0677% | 2,909 |
| Net operating income to assets | 1.0265% | 2,219 |
| Return on assets (ROA) | 1.0885% | 2,035 |
| Pretax return on assets | 1.5537% | 1,386 |
| Return on Equity (ROE) | 10.8959% | 1,775 |
| Retained earnings to average equity (ytd only) | -0.5877% | 5,794 |
| Net charge-offs to loans | 0.1503% | 2,185 |
| Credit loss provision to net charge-offs | 70.0935% | 2,475 |
| Earnings coverage of net charge-offs (x) | 15.8598% | 1,826 |
| Efficiency ratio | 68.0715% | 3,995 |
| Assets per employee ($millions) | 3.9211% | 4,015 |
| Cash dividends to net income (ytd only)* | 105.3942% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 3,215 |
| Loan loss allowance to noncurrent loans | 521.6625% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 4,496 |
| Noncurrent loans to loans | 0.2734% | 5,197 |
| Net loans and leases to total assets | 65.1937% | 2,882 |
| Net loans and leases to deposits | 73.5979% | 3,374 |
| Net loans and leases to core deposits | 75.4903% | 3,677 |
| Total domestic deposits to total assets | 88.5810% | 1,593 |
| Equity capital to assets | 10.2614% | 3,747 |
| Core capital (leverage) ratio | 10.2779% | 3,233 |
| Tier 1 risk-based capital ratio | 15.7576% | 3,221 |
| Total risk-based capital ratio | 17.0096% | 3,155 |
| Memoranda: | ||
| Average total assets | $221,410,000 | 2,799 |
| Average earning assets | $207,054,330 | 2,764 |
| Average equity | $22,118,330 | 2,934 |
| Average total loans | $142,362,670 | 2,696 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 1,419 |
| Cost of funding earning assets | 0.4924% | 2,986 |
| Net interest margin | 4.1391% | 1,366 |
| Noninterest income to average assets | 0.8384% | 1,607 |
| Noninterest expense to average assets | 3.3213% | 1,899 |
| Loan and lease loss provision to assets | 0.1349% | 1,797 |
| Net operating income to assets | 0.8850% | 2,719 |
| Return on assets (ROA) | 0.9464% | 2,494 |
| Pretax return on assets | 1.3404% | 1,952 |
| Return on Equity (ROE) | 9.6023% | 2,200 |
| Retained earnings to average equity (ytd only) | -13.5819% | 6,445 |
| Net charge-offs to loans | 0.1334% | 1,910 |
| Credit loss provision to net charge-offs | 159.5745% | 1,200 |
| Earnings coverage of net charge-offs (x) | 16.4255% | 1,509 |
| Efficiency ratio | 70.5118% | 3,742 |
| Assets per employee ($millions) | 4.1554% | 3,617 |
| Cash dividends to net income (ytd only)* | 241.4449% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 3,127 |
| Loan loss allowance to noncurrent loans | 427.9116% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 4,014 |
| Noncurrent loans to loans | 0.3517% | 5,062 |
| Net loans and leases to total assets | 61.0264% | 3,393 |
| Net loans and leases to deposits | 68.2448% | 3,835 |
| Net loans and leases to core deposits | 69.8148% | 4,115 |
| Total domestic deposits to total assets | 89.4227% | 1,411 |
| Equity capital to assets | 9.4554% | 4,555 |
| Core capital (leverage) ratio | 10.0414% | 3,509 |
| Tier 1 risk-based capital ratio | 15.4852% | 3,441 |
| Total risk-based capital ratio | 16.7378% | 3,405 |
| Memoranda: | ||
| Average total assets | $222,324,500 | 2,804 |
| Average earning assets | $207,968,500 | 2,768 |
| Average equity | $21,911,500 | 2,950 |
| Average total loans | $140,932,000 | 2,724 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 1,286 |
| Cost of funding earning assets | 0.5390% | 3,204 |
| Net interest margin | 4.2733% | 1,167 |
| Noninterest income to average assets | 0.7992% | 2,084 |
| Noninterest expense to average assets | 3.2192% | 2,357 |
| Loan and lease loss provision to assets | 0.0226% | 4,676 |
| Net operating income to assets | 1.0721% | 2,027 |
| Return on assets (ROA) | 1.1473% | 1,833 |
| Pretax return on assets | 1.6349% | 1,092 |
| Return on Equity (ROE) | 12.0475% | 1,406 |
| Retained earnings to average equity (ytd only) | 7.9984% | 1,059 |
| Net charge-offs to loans | 0.0624% | 4,340 |
| Credit loss provision to net charge-offs | 58.1395% | 3,619 |
| Earnings coverage of net charge-offs (x) | 39.9186% | 955 |
| Efficiency ratio | 67.4998% | 4,289 |
| Assets per employee ($millions) | 3.9291% | 4,002 |
| Cash dividends to net income (ytd only)* | 33.6088% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 3,199 |
| Loan loss allowance to noncurrent loans | 160.4119% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.0898% | 3,230 |
| Noncurrent loans to loans | 0.9347% | 3,653 |
| Net loans and leases to total assets | 63.9309% | 3,054 |
| Net loans and leases to deposits | 72.2275% | 3,493 |
| Net loans and leases to core deposits | 74.5612% | 3,778 |
| Total domestic deposits to total assets | 88.5133% | 1,903 |
| Equity capital to assets | 10.2789% | 3,411 |
| Core capital (leverage) ratio | 10.3524% | 3,087 |
| Tier 1 risk-based capital ratio | 16.1546% | 3,028 |
| Total risk-based capital ratio | 17.4072% | 2,984 |
| Memoranda: | ||
| Average total assets | $221,481,200 | 2,799 |
| Average earning assets | $205,765,800 | 2,770 |
| Average equity | $21,091,600 | 3,025 |
| Average total loans | $137,839,000 | 2,737 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 1,385 |
| Cost of funding earning assets | 0.5450% | 3,319 |
| Net interest margin | 4.2410% | 1,220 |
| Noninterest income to average assets | 0.7785% | 2,250 |
| Noninterest expense to average assets | 3.2060% | 2,351 |
| Loan and lease loss provision to assets | 0.0299% | 4,410 |
| Net operating income to assets | 1.0435% | 2,210 |
| Return on assets (ROA) | 1.0435% | 2,290 |
| Pretax return on assets | 1.4774% | 1,677 |
| Return on Equity (ROE) | 11.1732% | 1,764 |
| Retained earnings to average equity (ytd only) | 5.7019% | 2,597 |
| Net charge-offs to loans | 0.0534% | 4,141 |
| Credit loss provision to net charge-offs | 90.9091% | 2,617 |
| Earnings coverage of net charge-offs (x) | 45.8009% | 917 |
| Efficiency ratio | 68.0208% | 4,098 |
| Assets per employee ($millions) | 3.9418% | 3,958 |
| Cash dividends to net income (ytd only)* | 48.9679% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 3,512 |
| Loan loss allowance to noncurrent loans | 381.7531% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.7434% | 4,247 |
| Noncurrent loans to loans | 0.3895% | 5,223 |
| Net loans and leases to total assets | 64.0490% | 2,997 |
| Net loans and leases to deposits | 71.9741% | 3,518 |
| Net loans and leases to core deposits | 74.2316% | 3,812 |
| Total domestic deposits to total assets | 88.9890% | 1,557 |
| Equity capital to assets | 9.3014% | 4,805 |
| Core capital (leverage) ratio | 10.1392% | 3,475 |
| Tier 1 risk-based capital ratio | 15.4218% | 3,510 |
| Total risk-based capital ratio | 16.6750% | 3,463 |
| Memoranda: | ||
| Average total assets | $222,826,000 | 2,802 |
| Average earning assets | $206,738,750 | 2,777 |
| Average equity | $20,811,250 | 3,095 |
| Average total loans | $137,234,000 | 2,755 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 1,416 |
| Cost of funding earning assets | 0.5550% | 3,361 |
| Net interest margin | 4.2085% | 1,258 |
| Noninterest income to average assets | 0.7972% | 2,196 |
| Noninterest expense to average assets | 3.1881% | 2,388 |
| Loan and lease loss provision to assets | 0.0447% | 4,072 |
| Net operating income to assets | 1.0236% | 2,222 |
| Return on assets (ROA) | 1.0236% | 2,349 |
| Pretax return on assets | 1.4656% | 1,722 |
| Return on Equity (ROE) | 10.9451% | 1,830 |
| Retained earnings to average equity (ytd only) | 2.7745% | 4,546 |
| Net charge-offs to loans | -0.3211% | 6,771 |
| Credit loss provision to net charge-offs | -23.0415% | 5,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8537% | 4,206 |
| Assets per employee ($millions) | 3.9707% | 3,870 |
| Cash dividends to net income (ytd only)* | 74.6503% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7267% | 2,683 |
| Loan loss allowance to noncurrent loans | 253.5300% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 1.2070% | 3,332 |
| Noncurrent loans to loans | 0.6811% | 4,573 |
| Net loans and leases to total assets | 61.5832% | 3,373 |
| Net loans and leases to deposits | 69.1353% | 3,838 |
| Net loans and leases to core deposits | 71.2846% | 4,138 |
| Total domestic deposits to total assets | 89.0763% | 1,587 |
| Equity capital to assets | 9.3101% | 4,841 |
| Core capital (leverage) ratio | 9.6556% | 4,004 |
| Tier 1 risk-based capital ratio | 15.0935% | 3,714 |
| Total risk-based capital ratio | 16.3490% | 3,675 |
| Memoranda: | ||
| Average total assets | $223,520,670 | 2,810 |
| Average earning assets | $207,201,330 | 2,781 |
| Average equity | $20,904,330 | 3,099 |
| Average total loans | $135,139,670 | 2,784 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6644% | 1,635 |
| Cost of funding earning assets | 0.5626% | 3,458 |
| Net interest margin | 4.1018% | 1,457 |
| Noninterest income to average assets | 0.8782% | 1,835 |
| Noninterest expense to average assets | 3.1861% | 2,394 |
| Loan and lease loss provision to assets | 0.0892% | 3,174 |
| Net operating income to assets | 0.9906% | 2,266 |
| Return on assets (ROA) | 0.9906% | 2,387 |
| Pretax return on assets | 1.4029% | 1,844 |
| Return on Equity (ROE) | 10.5687% | 1,850 |
| Retained earnings to average equity (ytd only) | -5.6937% | 6,406 |
| Net charge-offs to loans | -0.6825% | 6,891 |
| Credit loss provision to net charge-offs | -22.0264% | 4,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1038% | 4,289 |
| Assets per employee ($millions) | 4.1801% | 3,574 |
| Cash dividends to net income (ytd only)* | 153.8739% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 2,760 |
| Loan loss allowance to noncurrent loans | 201.3333% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 1.4067% | 3,163 |
| Noncurrent loans to loans | 0.8758% | 4,382 |
| Net loans and leases to total assets | 58.5464% | 3,689 |
| Net loans and leases to deposits | 65.5052% | 4,122 |
| Net loans and leases to core deposits | 67.7959% | 4,327 |
| Total domestic deposits to total assets | 89.3768% | 1,437 |
| Equity capital to assets | 9.0708% | 5,402 |
| Core capital (leverage) ratio | 9.5580% | 3,988 |
| Tier 1 risk-based capital ratio | 14.9359% | 3,886 |
| Total risk-based capital ratio | 16.1918% | 3,846 |
| Memoranda: | ||
| Average total assets | $224,100,500 | 2,832 |
| Average earning assets | $207,616,000 | 2,815 |
| Average equity | $21,005,500 | 3,129 |
| Average total loans | $133,038,000 | 2,838 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 1,925 |
| Cost of funding earning assets | 0.7272% | 3,276 |
| Net interest margin | 4.1486% | 1,826 |
| Noninterest income to average assets | 0.7133% | 2,651 |
| Noninterest expense to average assets | 3.1326% | 2,835 |
| Loan and lease loss provision to assets | 0.4297% | 1,487 |
| Net operating income to assets | 0.7220% | 3,634 |
| Return on assets (ROA) | 0.7725% | 3,657 |
| Pretax return on assets | 1.0597% | 3,325 |
| Return on Equity (ROE) | 8.3942% | 2,919 |
| Retained earnings to average equity (ytd only) | 5.9762% | 2,090 |
| Net charge-offs to loans | 0.5981% | 1,940 |
| Credit loss provision to net charge-offs | 124.8357% | 2,272 |
| Earnings coverage of net charge-offs (x) | 4.1261% | 3,473 |
| Efficiency ratio | 68.8059% | 4,001 |
| Assets per employee ($millions) | 3.9691% | 4,012 |
| Cash dividends to net income (ytd only)* | 28.8056% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 3,092 |
| Loan loss allowance to noncurrent loans | 180.0505% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 1.4760% | 3,170 |
| Noncurrent loans to loans | 0.9205% | 4,346 |
| Net loans and leases to total assets | 58.1412% | 3,957 |
| Net loans and leases to deposits | 65.5750% | 4,350 |
| Net loans and leases to core deposits | 68.0097% | 4,530 |
| Total domestic deposits to total assets | 88.6637% | 1,796 |
| Equity capital to assets | 9.6918% | 4,599 |
| Core capital (leverage) ratio | 9.7487% | 3,726 |
| Tier 1 risk-based capital ratio | 15.6503% | 3,348 |
| Total risk-based capital ratio | 16.9042% | 3,302 |
| Memoranda: | ||
| Average total assets | $221,092,000 | 2,832 |
| Average earning assets | $204,625,400 | 2,807 |
| Average equity | $20,347,400 | 3,158 |
| Average total loans | $127,230,800 | 2,930 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8642% | 2,139 |
| Cost of funding earning assets | 0.7546% | 3,316 |
| Net interest margin | 4.1096% | 2,057 |
| Noninterest income to average assets | 0.6781% | 2,822 |
| Noninterest expense to average assets | 3.1158% | 2,844 |
| Loan and lease loss provision to assets | 0.5711% | 1,007 |
| Net operating income to assets | 0.5867% | 4,451 |
| Return on assets (ROA) | 0.5867% | 4,724 |
| Pretax return on assets | 0.7989% | 4,487 |
| Return on Equity (ROE) | 6.4597% | 4,089 |
| Retained earnings to average equity (ytd only) | 3.2034% | 4,614 |
| Net charge-offs to loans | 0.7036% | 1,570 |
| Credit loss provision to net charge-offs | 142.0030% | 2,034 |
| Earnings coverage of net charge-offs (x) | 3.4066% | 3,657 |
| Efficiency ratio | 69.4586% | 3,796 |
| Assets per employee ($millions) | 4.1456% | 3,587 |
| Cash dividends to net income (ytd only)* | 50.4096% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7288% | 3,044 |
| Loan loss allowance to noncurrent loans | 83.7462% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.5621% | 3,250 |
| Noncurrent loans to loans | 2.0643% | 2,778 |
| Net loans and leases to total assets | 56.6502% | 4,355 |
| Net loans and leases to deposits | 63.5603% | 4,771 |
| Net loans and leases to core deposits | 65.5573% | 4,996 |
| Total domestic deposits to total assets | 89.1283% | 1,354 |
| Equity capital to assets | 9.2971% | 5,470 |
| Core capital (leverage) ratio | 9.4177% | 4,398 |
| Tier 1 risk-based capital ratio | 15.2110% | 3,700 |
| Total risk-based capital ratio | 16.4659% | 3,645 |
| Memoranda: | ||
| Average total assets | $221,790,500 | 2,844 |
| Average earning assets | $205,497,250 | 2,814 |
| Average equity | $20,145,000 | 3,216 |
| Average total loans | $126,773,500 | 2,975 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 2,052 |
| Cost of funding earning assets | 0.7815% | 3,349 |
| Net interest margin | 4.1319% | 1,960 |
| Noninterest income to average assets | 0.5880% | 3,335 |
| Noninterest expense to average assets | 3.1316% | 2,814 |
| Loan and lease loss provision to assets | 0.7237% | 733 |
| Net operating income to assets | 0.3899% | 5,246 |
| Return on assets (ROA) | 0.3899% | 5,489 |
| Pretax return on assets | 0.5491% | 5,315 |
| Return on Equity (ROE) | 4.3268% | 5,122 |
| Retained earnings to average equity (ytd only) | -0.6124% | 6,149 |
| Net charge-offs to loans | 1.0554% | 1,040 |
| Credit loss provision to net charge-offs | 120.3008% | 2,283 |
| Earnings coverage of net charge-offs (x) | 2.1158% | 3,929 |
| Efficiency ratio | 71.1029% | 3,583 |
| Assets per employee ($millions) | 4.0901% | 3,683 |
| Cash dividends to net income (ytd only)* | 114.1531% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6490% | 3,431 |
| Loan loss allowance to noncurrent loans | 76.7391% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.6947% | 3,180 |
| Noncurrent loans to loans | 2.1488% | 2,765 |
| Net loans and leases to total assets | 56.3050% | 4,417 |
| Net loans and leases to deposits | 62.9898% | 4,881 |
| Net loans and leases to core deposits | 64.9893% | 5,110 |
| Total domestic deposits to total assets | 89.3875% | 1,284 |
| Equity capital to assets | 9.1324% | 5,548 |
| Core capital (leverage) ratio | 8.9858% | 4,938 |
| Tier 1 risk-based capital ratio | 14.7276% | 3,950 |
| Total risk-based capital ratio | 15.9811% | 3,907 |
| Memoranda: | ||
| Average total assets | $221,099,000 | 2,855 |
| Average earning assets | $204,215,330 | 2,830 |
| Average equity | $19,922,330 | 3,229 |
| Average total loans | $126,014,330 | 3,006 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9272% | 2,149 |
| Cost of funding earning assets | 0.8048% | 3,439 |
| Net interest margin | 4.1224% | 2,019 |
| Noninterest income to average assets | 0.6907% | 2,707 |
| Noninterest expense to average assets | 3.1987% | 2,605 |
| Loan and lease loss provision to assets | 0.9041% | 483 |
| Net operating income to assets | 0.2821% | 5,715 |
| Return on assets (ROA) | 0.2821% | 5,878 |
| Pretax return on assets | 0.3761% | 5,796 |
| Return on Equity (ROE) | 3.1518% | 5,655 |
| Retained earnings to average equity (ytd only) | -6.7884% | 6,711 |
| Net charge-offs to loans | 2.0858% | 437 |
| Credit loss provision to net charge-offs | 76.2195% | 2,800 |
| Earnings coverage of net charge-offs (x) | 1.0793% | 3,792 |
| Efficiency ratio | 71.4170% | 3,551 |
| Assets per employee ($millions) | 4.0938% | 3,816 |
| Cash dividends to net income (ytd only)* | 315.3846% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 4,431 |
| Loan loss allowance to noncurrent loans | 65.7625% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 2.0475% | 2,828 |
| Noncurrent loans to loans | 2.1871% | 2,928 |
| Net loans and leases to total assets | 53.6262% | 4,784 |
| Net loans and leases to deposits | 59.6184% | 5,197 |
| Net loans and leases to core deposits | 61.5987% | 5,369 |
| Total domestic deposits to total assets | 89.9490% | 1,115 |
| Equity capital to assets | 8.5352% | 6,055 |
| Core capital (leverage) ratio | 9.0174% | 4,813 |
| Tier 1 risk-based capital ratio | 14.7324% | 3,937 |
| Total risk-based capital ratio | 15.9833% | 3,892 |
| Memoranda: | ||
| Average total assets | $221,217,000 | 2,877 |
| Average earning assets | $203,280,500 | 2,858 |
| Average equity | $19,798,500 | 3,250 |
| Average total loans | $125,800,500 | 3,030 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0018% | 2,872 |
| Cost of funding earning assets | 1.0248% | 3,202 |
| Net interest margin | 3.9770% | 2,997 |
| Noninterest income to average assets | 0.5753% | 3,332 |
| Noninterest expense to average assets | 2.9848% | 3,644 |
| Loan and lease loss provision to assets | 0.8981% | 1,069 |
| Net operating income to assets | 0.3435% | 5,096 |
| Return on assets (ROA) | 0.3435% | 5,251 |
| Pretax return on assets | 0.3646% | 5,389 |
| Return on Equity (ROE) | 3.8018% | 4,947 |
| Retained earnings to average equity (ytd only) | 0.2281% | 5,722 |
| Net charge-offs to loans | 1.1998% | 1,402 |
| Credit loss provision to net charge-offs | 130.7333% | 2,336 |
| Earnings coverage of net charge-offs (x) | 1.8380% | 4,395 |
| Efficiency ratio | 70.2717% | 3,892 |
| Assets per employee ($millions) | 3.8069% | 4,306 |
| Cash dividends to net income (ytd only)* | 94.0000% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 3,841 |
| Loan loss allowance to noncurrent loans | 63.1477% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 2.3238% | 2,602 |
| Noncurrent loans to loans | 2.4340% | 2,697 |
| Net loans and leases to total assets | 58.5968% | 4,266 |
| Net loans and leases to deposits | 65.9297% | 4,744 |
| Net loans and leases to core deposits | 68.1103% | 5,015 |
| Total domestic deposits to total assets | 88.8777% | 1,617 |
| Equity capital to assets | 9.3956% | 5,024 |
| Core capital (leverage) ratio | 9.0615% | 4,681 |
| Tier 1 risk-based capital ratio | 14.7704% | 3,782 |
| Total risk-based capital ratio | 16.0228% | 3,755 |
| Memoranda: | ||
| Average total assets | $218,339,200 | 2,858 |
| Average earning assets | $201,607,200 | 2,833 |
| Average equity | $19,727,400 | 3,186 |
| Average total loans | $125,023,000 | 3,080 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9324% | 3,415 |
| Cost of funding earning assets | 1.0596% | 3,249 |
| Net interest margin | 3.8729% | 3,510 |
| Noninterest income to average assets | 0.6714% | 2,763 |
| Noninterest expense to average assets | 3.0317% | 3,432 |
| Loan and lease loss provision to assets | 0.7922% | 1,180 |
| Net operating income to assets | 0.3418% | 5,246 |
| Return on assets (ROA) | 0.3418% | 5,418 |
| Pretax return on assets | 0.4377% | 5,349 |
| Return on Equity (ROE) | 3.8198% | 5,066 |
| Retained earnings to average equity (ytd only) | -0.9634% | 6,148 |
| Net charge-offs to loans | 0.6058% | 2,433 |
| Credit loss provision to net charge-offs | 230.5654% | 1,237 |
| Earnings coverage of net charge-offs (x) | 3.5795% | 3,386 |
| Efficiency ratio | 71.1396% | 3,710 |
| Assets per employee ($millions) | 4.1402% | 3,564 |
| Cash dividends to net income (ytd only)* | 125.2221% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7353% | 3,151 |
| Loan loss allowance to noncurrent loans | 75.6280% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 2.5311% | 2,542 |
| Noncurrent loans to loans | 2.2945% | 3,003 |
| Net loans and leases to total assets | 57.4977% | 4,586 |
| Net loans and leases to deposits | 64.3012% | 5,128 |
| Net loans and leases to core deposits | 66.4595% | 5,367 |
| Total domestic deposits to total assets | 89.4193% | 1,181 |
| Equity capital to assets | 9.1515% | 5,585 |
| Core capital (leverage) ratio | 8.9763% | 4,971 |
| Tier 1 risk-based capital ratio | 14.6464% | 3,871 |
| Total risk-based capital ratio | 15.9011% | 3,843 |
| Memoranda: | ||
| Average total assets | $219,628,000 | 2,843 |
| Average earning assets | $203,599,250 | 2,811 |
| Average equity | $19,651,750 | 3,197 |
| Average total loans | $124,561,500 | 3,112 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8622% | 3,797 |
| Cost of funding earning assets | 1.1038% | 3,214 |
| Net interest margin | 3.7584% | 3,994 |
| Noninterest income to average assets | 0.6627% | 2,751 |
| Noninterest expense to average assets | 3.0360% | 3,501 |
| Loan and lease loss provision to assets | 0.5508% | 1,762 |
| Net operating income to assets | 0.3905% | 4,992 |
| Return on assets (ROA) | 0.3905% | 5,132 |
| Pretax return on assets | 0.5599% | 4,882 |
| Return on Equity (ROE) | 4.3980% | 4,741 |
| Retained earnings to average equity (ytd only) | -2.8295% | 6,357 |
| Net charge-offs to loans | 0.2336% | 3,722 |
| Credit loss provision to net charge-offs | 420.1389% | 718 |
| Earnings coverage of net charge-offs (x) | 8.4722% | 2,050 |
| Efficiency ratio | 73.2162% | 3,511 |
| Assets per employee ($millions) | 4.3376% | 3,102 |
| Cash dividends to net income (ytd only)* | 164.3357% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 3,950 |
| Loan loss allowance to noncurrent loans | 97.2569% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 2.0940% | 3,115 |
| Noncurrent loans to loans | 1.5822% | 4,023 |
| Net loans and leases to total assets | 54.2752% | 5,252 |
| Net loans and leases to deposits | 60.2315% | 5,705 |
| Net loans and leases to core deposits | 62.0601% | 5,892 |
| Total domestic deposits to total assets | 90.1111% | 916 |
| Equity capital to assets | 8.5679% | 6,106 |
| Core capital (leverage) ratio | 8.7385% | 5,163 |
| Tier 1 risk-based capital ratio | 14.6087% | 3,724 |
| Total risk-based capital ratio | 15.8610% | 3,690 |
| Memoranda: | ||
| Average total assets | $219,694,670 | 2,867 |
| Average earning assets | $203,652,330 | 2,828 |
| Average equity | $19,508,670 | 3,200 |
| Average total loans | $123,284,000 | 3,162 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9193% | 3,490 |
| Cost of funding earning assets | 1.1570% | 3,106 |
| Net interest margin | 3.7623% | 3,788 |
| Noninterest income to average assets | 0.8612% | 1,810 |
| Noninterest expense to average assets | 3.0998% | 3,245 |
| Loan and lease loss provision to assets | 0.4194% | 2,092 |
| Net operating income to assets | 0.5927% | 4,068 |
| Return on assets (ROA) | 0.5927% | 4,140 |
| Pretax return on assets | 0.8332% | 3,774 |
| Return on Equity (ROE) | 6.5518% | 3,605 |
| Retained earnings to average equity (ytd only) | -7.9734% | 6,749 |
| Net charge-offs to loans | -0.0395% | 6,813 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2206% | 4,007 |
| Assets per employee ($millions) | 4.2525% | 3,331 |
| Cash dividends to net income (ytd only)* | 221.6981% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 4,671 |
| Loan loss allowance to noncurrent loans | 85.1085% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 2.2299% | 3,029 |
| Noncurrent loans to loans | 1.6431% | 4,019 |
| Net loans and leases to total assets | 55.0334% | 5,154 |
| Net loans and leases to deposits | 61.2692% | 5,592 |
| Net loans and leases to core deposits | 62.8852% | 5,841 |
| Total domestic deposits to total assets | 89.8223% | 1,264 |
| Equity capital to assets | 8.6917% | 5,669 |
| Core capital (leverage) ratio | 9.1716% | 4,334 |
| Tier 1 risk-based capital ratio | 14.7964% | 3,545 |
| Total risk-based capital ratio | 16.0468% | 3,513 |
| Memoranda: | ||
| Average total assets | $214,595,500 | 2,942 |
| Average earning assets | $199,136,000 | 2,897 |
| Average equity | $19,414,500 | 3,202 |
| Average total loans | $121,563,500 | 3,226 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9963% | 4,577 |
| Cost of funding earning assets | 1.4273% | 3,086 |
| Net interest margin | 3.5690% | 4,968 |
| Noninterest income to average assets | 1.0167% | 1,453 |
| Noninterest expense to average assets | 3.0654% | 3,606 |
| Loan and lease loss provision to assets | 0.3343% | 4,148 |
| Net operating income to assets | 0.6941% | 3,253 |
| Return on assets (ROA) | 0.6682% | 3,495 |
| Pretax return on assets | 0.9100% | 3,244 |
| Return on Equity (ROE) | 7.3595% | 2,944 |
| Retained earnings to average equity (ytd only) | 5.7089% | 1,985 |
| Net charge-offs to loans | 0.6452% | 3,083 |
| Credit loss provision to net charge-offs | 92.5197% | 5,017 |
| Earnings coverage of net charge-offs (x) | 3.5420% | 3,313 |
| Efficiency ratio | 70.5446% | 4,063 |
| Assets per employee ($millions) | 4.0012% | 3,782 |
| Cash dividends to net income (ytd only)* | 22.4273% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 5,305 |
| Loan loss allowance to noncurrent loans | 62.6684% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 2.4695% | 2,802 |
| Noncurrent loans to loans | 1.9849% | 3,587 |
| Net loans and leases to total assets | 56.8182% | 5,212 |
| Net loans and leases to deposits | 63.8112% | 5,650 |
| Net loans and leases to core deposits | 65.4204% | 5,934 |
| Total domestic deposits to total assets | 89.0411% | 1,637 |
| Equity capital to assets | 9.4247% | 4,508 |
| Core capital (leverage) ratio | 9.3980% | 3,848 |
| Tier 1 risk-based capital ratio | 15.3645% | 3,062 |
| Total risk-based capital ratio | 16.5044% | 3,073 |
| Memoranda: | ||
| Average total assets | $210,871,000 | 2,973 |
| Average earning assets | $196,663,800 | 2,921 |
| Average equity | $19,145,400 | 3,265 |
| Average total loans | $118,097,400 | 3,356 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9687% | 4,958 |
| Cost of funding earning assets | 1.4515% | 3,265 |
| Net interest margin | 3.5173% | 5,223 |
| Noninterest income to average assets | 1.0203% | 1,415 |
| Noninterest expense to average assets | 3.0772% | 3,439 |
| Loan and lease loss provision to assets | 0.2836% | 4,313 |
| Net operating income to assets | 0.6859% | 3,490 |
| Return on assets (ROA) | 0.6510% | 3,807 |
| Pretax return on assets | 0.8949% | 3,577 |
| Return on Equity (ROE) | 7.2377% | 3,235 |
| Retained earnings to average equity (ytd only) | 5.0237% | 2,974 |
| Net charge-offs to loans | 0.6095% | 2,916 |
| Credit loss provision to net charge-offs | 83.6431% | 5,016 |
| Earnings coverage of net charge-offs (x) | 3.6171% | 3,368 |
| Efficiency ratio | 71.5039% | 3,797 |
| Assets per employee ($millions) | 4.1814% | 3,480 |
| Cash dividends to net income (ytd only)* | 30.5903% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 5,549 |
| Loan loss allowance to noncurrent loans | 50.6778% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 2.6077% | 2,772 |
| Noncurrent loans to loans | 2.3462% | 3,294 |
| Net loans and leases to total assets | 56.8170% | 5,437 |
| Net loans and leases to deposits | 63.6780% | 5,953 |
| Net loans and leases to core deposits | 65.4120% | 6,165 |
| Total domestic deposits to total assets | 89.2255% | 1,274 |
| Equity capital to assets | 9.2885% | 5,162 |
| Core capital (leverage) ratio | 9.1906% | 4,386 |
| Tier 1 risk-based capital ratio | 15.0637% | 3,223 |
| Total risk-based capital ratio | 16.1795% | 3,270 |
| Memoranda: | ||
| Average total assets | $211,573,750 | 3,016 |
| Average earning assets | $197,497,500 | 2,955 |
| Average equity | $19,029,500 | 3,311 |
| Average total loans | $117,695,500 | 3,408 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 5,394 |
| Cost of funding earning assets | 1.4795% | 3,369 |
| Net interest margin | 3.4189% | 5,565 |
| Noninterest income to average assets | 1.0198% | 1,319 |
| Noninterest expense to average assets | 3.0775% | 3,404 |
| Loan and lease loss provision to assets | 0.2843% | 4,119 |
| Net operating income to assets | 0.6038% | 3,865 |
| Return on assets (ROA) | 0.6038% | 3,999 |
| Pretax return on assets | 0.8492% | 3,705 |
| Return on Equity (ROE) | 6.7874% | 3,401 |
| Retained earnings to average equity (ytd only) | 3.4204% | 3,935 |
| Net charge-offs to loans | 0.8720% | 2,090 |
| Credit loss provision to net charge-offs | 59.2885% | 5,223 |
| Earnings coverage of net charge-offs (x) | 2.3636% | 3,815 |
| Efficiency ratio | 73.0813% | 3,643 |
| Assets per employee ($millions) | 4.1398% | 3,510 |
| Cash dividends to net income (ytd only)* | 49.6075% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 5,867 |
| Loan loss allowance to noncurrent loans | 37.5877% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 2.4913% | 2,889 |
| Noncurrent loans to loans | 2.9677% | 2,700 |
| Net loans and leases to total assets | 55.1795% | 5,819 |
| Net loans and leases to deposits | 61.4519% | 6,277 |
| Net loans and leases to core deposits | 63.0897% | 6,475 |
| Total domestic deposits to total assets | 89.7929% | 1,026 |
| Equity capital to assets | 8.8976% | 5,605 |
| Core capital (leverage) ratio | 8.7738% | 4,968 |
| Tier 1 risk-based capital ratio | 14.9217% | 3,195 |
| Total risk-based capital ratio | 15.9619% | 3,292 |
| Memoranda: | ||
| Average total assets | $211,014,000 | 3,040 |
| Average earning assets | $196,961,330 | 2,989 |
| Average equity | $18,770,000 | 3,340 |
| Average total loans | $116,053,330 | 3,476 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 5,669 |
| Cost of funding earning assets | 1.4942% | 3,600 |
| Net interest margin | 3.3598% | 5,751 |
| Noninterest income to average assets | 1.0398% | 1,179 |
| Noninterest expense to average assets | 3.0332% | 3,550 |
| Loan and lease loss provision to assets | 0.2872% | 3,730 |
| Net operating income to assets | 0.6032% | 3,881 |
| Return on assets (ROA) | 0.6032% | 4,028 |
| Pretax return on assets | 0.8541% | 3,648 |
| Return on Equity (ROE) | 6.7822% | 3,462 |
| Retained earnings to average equity (ytd only) | -0.0215% | 5,830 |
| Net charge-offs to loans | 0.2175% | 3,622 |
| Credit loss provision to net charge-offs | 241.9355% | 1,586 |
| Earnings coverage of net charge-offs (x) | 9.6129% | 1,828 |
| Efficiency ratio | 72.6606% | 3,814 |
| Assets per employee ($millions) | 4.2437% | 3,387 |
| Cash dividends to net income (ytd only)* | 100.3175% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 4,367 |
| Loan loss allowance to noncurrent loans | 46.1452% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 2.3614% | 3,073 |
| Noncurrent loans to loans | 3.0565% | 2,621 |
| Net loans and leases to total assets | 51.7592% | 6,296 |
| Net loans and leases to deposits | 57.3492% | 6,667 |
| Net loans and leases to core deposits | 58.9134% | 6,823 |
| Total domestic deposits to total assets | 90.2526% | 855 |
| Equity capital to assets | 8.4808% | 6,027 |
| Core capital (leverage) ratio | 9.1817% | 4,255 |
| Tier 1 risk-based capital ratio | 15.0743% | 3,079 |
| Total risk-based capital ratio | 16.3246% | 3,035 |
| Memoranda: | ||
| Average total assets | $208,885,000 | 3,111 |
| Average earning assets | $194,890,000 | 3,063 |
| Average equity | $18,578,000 | 3,381 |
| Average total loans | $114,017,000 | 3,593 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4722% | 4,311 |
| Cost of funding earning assets | 1.7657% | 4,172 |
| Net interest margin | 3.7065% | 4,109 |
| Noninterest income to average assets | 1.0851% | 1,310 |
| Noninterest expense to average assets | 3.6238% | 2,094 |
| Loan and lease loss provision to assets | 0.3229% | 4,877 |
| Net operating income to assets | 0.3943% | 4,150 |
| Return on assets (ROA) | 0.3402% | 4,462 |
| Pretax return on assets | 0.4591% | 4,323 |
| Return on Equity (ROE) | 3.5185% | 4,283 |
| Retained earnings to average equity (ytd only) | 0.5177% | 4,619 |
| Net charge-offs to loans | 0.3367% | 4,548 |
| Credit loss provision to net charge-offs | 163.4877% | 2,684 |
| Earnings coverage of net charge-offs (x) | 4.3297% | 2,984 |
| Efficiency ratio | 80.9060% | 2,762 |
| Assets per employee ($millions) | 3.8646% | 4,109 |
| Cash dividends to net income (ytd only)* | 85.2848% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 4,353 |
| Loan loss allowance to noncurrent loans | 67.1882% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.9386% | 3,471 |
| Noncurrent loans to loans | 2.0511% | 3,586 |
| Net loans and leases to total assets | 56.1325% | 5,931 |
| Net loans and leases to deposits | 62.9209% | 6,369 |
| Net loans and leases to core deposits | 72.3454% | 6,631 |
| Total domestic deposits to total assets | 89.2113% | 1,382 |
| Equity capital to assets | 9.3564% | 4,626 |
| Core capital (leverage) ratio | 9.2693% | 4,024 |
| Tier 1 risk-based capital ratio | 15.7522% | 2,618 |
| Total risk-based capital ratio | 17.0027% | 2,556 |
| Memoranda: | ||
| Average total assets | $185,797,000 | 3,342 |
| Average earning assets | $170,132,200 | 3,344 |
| Average equity | $17,962,400 | 3,508 |
| Average total loans | $109,009,200 | 3,716 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5375% | 4,232 |
| Cost of funding earning assets | 1.7388% | 4,702 |
| Net interest margin | 3.7987% | 3,663 |
| Noninterest income to average assets | 1.0916% | 1,337 |
| Noninterest expense to average assets | 3.8825% | 1,457 |
| Loan and lease loss provision to assets | 0.3279% | 4,367 |
| Net operating income to assets | 0.2736% | 4,889 |
| Return on assets (ROA) | 0.1953% | 5,251 |
| Pretax return on assets | 0.2463% | 5,195 |
| Return on Equity (ROE) | 2.0026% | 5,154 |
| Retained earnings to average equity (ytd only) | -2.0250% | 5,729 |
| Net charge-offs to loans | 0.3659% | 3,820 |
| Credit loss provision to net charge-offs | 151.5152% | 3,163 |
| Earnings coverage of net charge-offs (x) | 3.1111% | 3,680 |
| Efficiency ratio | 85.2207% | 2,156 |
| Assets per employee ($millions) | 4.0980% | 3,564 |
| Cash dividends to net income (ytd only)* | 201.1222% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 4,460 |
| Loan loss allowance to noncurrent loans | 75.5281% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.8576% | 3,575 |
| Noncurrent loans to loans | 1.7303% | 4,042 |
| Net loans and leases to total assets | 55.1335% | 6,252 |
| Net loans and leases to deposits | 61.7318% | 6,704 |
| Net loans and leases to core deposits | 69.9745% | 6,967 |
| Total domestic deposits to total assets | 89.3113% | 1,054 |
| Equity capital to assets | 9.1190% | 5,307 |
| Core capital (leverage) ratio | 9.4634% | 3,959 |
| Tier 1 risk-based capital ratio | 15.7181% | 2,733 |
| Total risk-based capital ratio | 16.9606% | 2,668 |
| Memoranda: | ||
| Average total assets | $182,972,250 | 3,416 |
| Average earning assets | $166,858,500 | 3,429 |
| Average equity | $17,842,750 | 3,554 |
| Average total loans | $108,216,250 | 3,767 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7373% | 3,358 |
| Cost of funding earning assets | 1.7906% | 4,805 |
| Net interest margin | 3.9468% | 2,901 |
| Noninterest income to average assets | 1.1693% | 1,146 |
| Noninterest expense to average assets | 4.2716% | 988 |
| Loan and lease loss provision to assets | 0.3389% | 3,905 |
| Net operating income to assets | 0.0983% | 5,570 |
| Return on assets (ROA) | 0.0000% | 5,913 |
| Pretax return on assets | -0.0215% | 5,891 |
| Return on Equity (ROE) | 0.0000% | 5,918 |
| Retained earnings to average equity (ytd only) | -6.0950% | 6,463 |
| Net charge-offs to loans | 0.5014% | 2,826 |
| Credit loss provision to net charge-offs | 111.9403% | 4,136 |
| Earnings coverage of net charge-offs (x) | 1.5560% | 4,371 |
| Efficiency ratio | 90.0667% | 1,802 |
| Assets per employee ($millions) | 3.7616% | 4,192 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 4,659 |
| Loan loss allowance to noncurrent loans | 154.0664% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 1.4265% | 4,112 |
| Noncurrent loans to loans | 0.8063% | 5,619 |
| Net loans and leases to total assets | 56.8534% | 6,107 |
| Net loans and leases to deposits | 63.8390% | 6,577 |
| Net loans and leases to core deposits | 72.6720% | 6,857 |
| Total domestic deposits to total assets | 89.0574% | 1,239 |
| Equity capital to assets | 9.3156% | 4,845 |
| Core capital (leverage) ratio | 10.2626% | 3,030 |
| Tier 1 risk-based capital ratio | 16.2709% | 2,529 |
| Total risk-based capital ratio | 17.4724% | 2,490 |
| Memoranda: | ||
| Average total assets | $177,029,670 | 3,526 |
| Average earning assets | $160,283,670 | 3,559 |
| Average equity | $17,686,670 | 3,587 |
| Average total loans | $106,897,000 | 3,836 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7999% | 3,304 |
| Cost of funding earning assets | 1.8540% | 4,859 |
| Net interest margin | 3.9459% | 2,866 |
| Noninterest income to average assets | 1.2548% | 910 |
| Noninterest expense to average assets | 4.1305% | 1,025 |
| Loan and lease loss provision to assets | 0.3498% | 3,220 |
| Net operating income to assets | 0.3195% | 5,218 |
| Return on assets (ROA) | 0.3195% | 5,387 |
| Pretax return on assets | 0.3732% | 5,471 |
| Return on Equity (ROE) | 3.0839% | 5,336 |
| Retained earnings to average equity (ytd only) | -9.0492% | 7,018 |
| Net charge-offs to loans | 0.3653% | 2,635 |
| Credit loss provision to net charge-offs | 154.6392% | 2,707 |
| Earnings coverage of net charge-offs (x) | 3.1959% | 3,252 |
| Efficiency ratio | 85.1033% | 2,182 |
| Assets per employee ($millions) | 3.5138% | 4,780 |
| Cash dividends to net income (ytd only)* | 393.4307% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 4,392 |
| Loan loss allowance to noncurrent loans | 59.9649% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.4389% | 3,773 |
| Noncurrent loans to loans | 2.0910% | 3,131 |
| Net loans and leases to total assets | 61.2315% | 5,460 |
| Net loans and leases to deposits | 69.5198% | 6,021 |
| Net loans and leases to core deposits | 79.9443% | 6,390 |
| Total domestic deposits to total assets | 88.0778% | 1,717 |
| Equity capital to assets | 10.1082% | 3,876 |
| Core capital (leverage) ratio | 10.9179% | 2,568 |
| Tier 1 risk-based capital ratio | 16.6425% | 2,466 |
| Total risk-based capital ratio | 17.8813% | 2,398 |
| Memoranda: | ||
| Average total assets | $171,503,500 | 3,627 |
| Average earning assets | $156,416,000 | 3,638 |
| Average equity | $17,769,500 | 3,601 |
| Average total loans | $106,207,500 | 3,877 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4442% | 3,209 |
| Cost of funding earning assets | 2.2852% | 5,226 |
| Net interest margin | 4.1590% | 2,464 |
| Noninterest income to average assets | 1.4323% | 700 |
| Noninterest expense to average assets | 3.5265% | 2,324 |
| Loan and lease loss provision to assets | 0.1308% | 5,694 |
| Net operating income to assets | 1.1278% | 2,040 |
| Return on assets (ROA) | 0.7057% | 3,702 |
| Pretax return on assets | 1.0013% | 3,382 |
| Return on Equity (ROE) | 5.8244% | 4,017 |
| Retained earnings to average equity (ytd only) | -0.7881% | 5,540 |
| Net charge-offs to loans | 0.1431% | 4,787 |
| Credit loss provision to net charge-offs | 165.2893% | 3,114 |
| Earnings coverage of net charge-offs (x) | 21.9256% | 1,505 |
| Efficiency ratio | 67.0230% | 4,906 |
| Assets per employee ($millions) | 3.4147% | 4,902 |
| Cash dividends to net income (ytd only)* | 113.5310% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 3,997 |
| Loan loss allowance to noncurrent loans | 64.1740% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 1.2228% | 3,785 |
| Noncurrent loans to loans | 1.9773% | 2,792 |
| Net loans and leases to total assets | 61.0568% | 5,762 |
| Net loans and leases to deposits | 69.7074% | 6,298 |
| Net loans and leases to core deposits | 80.9963% | 6,537 |
| Total domestic deposits to total assets | 87.5901% | 1,672 |
| Equity capital to assets | 10.6265% | 3,365 |
| Core capital (leverage) ratio | 11.5591% | 2,215 |
| Tier 1 risk-based capital ratio | 17.6179% | 2,145 |
| Total risk-based capital ratio | 18.8515% | 2,090 |
| Memoranda: | ||
| Average total assets | $152,899,200 | 3,846 |
| Average earning assets | $140,777,800 | 3,832 |
| Average equity | $18,525,400 | 3,472 |
| Average total loans | $84,543,000 | 4,383 |