Home > Community Bank Delaware > Performance and Condition Ratios
Community Bank Delaware, 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 | 4.9785% | 2,114 |
| Cost of funding earning assets | 1.5962% | 1,703 |
| Net interest margin | 3.3823% | 2,442 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.2317% | 3,036 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.7455% | 3,057 |
| Return on assets (ROA) | 0.7455% | 3,042 |
| Pretax return on assets | 0.9678% | 2,757 |
| Return on Equity (ROE) | 8.9100% | 2,783 |
| Retained earnings to average equity (ytd only) | 5.3409% | 2,472 |
| Net charge-offs to loans | -0.0004% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.1610% | 2,093 |
| Assets per employee ($millions) | 9.3722% | 866 |
| Cash dividends to net income (ytd only)* | 40.0328% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 3,129 |
| Loan loss allowance to noncurrent loans | 2,383.8462% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 3,372 |
| Noncurrent loans to loans | 0.0435% | 3,410 |
| Net loans and leases to total assets | 85.3800% | 187 |
| Net loans and leases to deposits | 105.2909% | 314 |
| Net loans and leases to core deposits | 124.5297% | 521 |
| Total domestic deposits to total assets | 81.0800% | 3,295 |
| Equity capital to assets | 8.2576% | 3,238 |
| Core capital (leverage) ratio | 9.1449% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4064% | 2,100 |
| Memoranda: | ||
| Average total assets | $327,020,800 | 2,284 |
| Average earning assets | $300,092,400 | 2,306 |
| Average equity | $27,373,600 | 2,396 |
| Average total loans | $276,908,400 | 1,886 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 2,081 |
| Cost of funding earning assets | 1.3973% | 1,875 |
| Net interest margin | 3.4928% | 2,226 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.2342% | 2,979 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8093% | 2,998 |
| Return on assets (ROA) | 0.8093% | 2,990 |
| Pretax return on assets | 1.0780% | 2,634 |
| Return on Equity (ROE) | 9.6300% | 2,755 |
| Retained earnings to average equity (ytd only) | 6.0559% | 2,611 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.1884% | 2,255 |
| Assets per employee ($millions) | 9.1450% | 885 |
| Cash dividends to net income (ytd only)* | 37.1355% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 3,081 |
| Loan loss allowance to noncurrent loans | 2,295.4198% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,413 |
| Noncurrent loans to loans | 0.0461% | 3,423 |
| Net loans and leases to total assets | 83.0700% | 359 |
| Net loans and leases to deposits | 101.7256% | 443 |
| Net loans and leases to core deposits | 114.9314% | 694 |
| Total domestic deposits to total assets | 81.6600% | 3,279 |
| Equity capital to assets | 8.1950% | 2,929 |
| Core capital (leverage) ratio | 9.5204% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8240% | 1,961 |
| Memoranda: | ||
| Average total assets | $322,083,000 | 2,308 |
| Average earning assets | $295,422,500 | 2,331 |
| Average equity | $27,058,250 | 2,398 |
| Average total loans | $271,346,500 | 1,912 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 1,813 |
| Cost of funding earning assets | 1.2464% | 1,862 |
| Net interest margin | 3.6326% | 1,967 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.2618% | 2,914 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8880% | 2,801 |
| Return on assets (ROA) | 0.8880% | 2,788 |
| Pretax return on assets | 1.1836% | 2,403 |
| Return on Equity (ROE) | 10.4800% | 2,564 |
| Retained earnings to average equity (ytd only) | 6.9313% | 2,305 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.5109% | 2,425 |
| Assets per employee ($millions) | 8.7885% | 972 |
| Cash dividends to net income (ytd only)* | 33.8549% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 3,022 |
| Loan loss allowance to noncurrent loans | 1,766.4671% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 3,252 |
| Noncurrent loans to loans | 0.0614% | 3,260 |
| Net loans and leases to total assets | 84.9900% | 208 |
| Net loans and leases to deposits | 96.6742% | 693 |
| Net loans and leases to core deposits | 107.7085% | 919 |
| Total domestic deposits to total assets | 87.9200% | 1,636 |
| Equity capital to assets | 8.8402% | 2,631 |
| Core capital (leverage) ratio | 9.6467% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0814% | 1,860 |
| Memoranda: | ||
| Average total assets | $316,656,000 | 2,348 |
| Average earning assets | $290,428,333 | 2,366 |
| Average equity | $26,834,667 | 2,421 |
| Average total loans | $267,101,667 | 1,922 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7438% | 1,750 |
| Cost of funding earning assets | 1.0683% | 1,840 |
| Net interest margin | 3.6756% | 1,952 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.2060% | 3,087 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.9332% | 2,745 |
| Return on assets (ROA) | 0.9332% | 2,701 |
| Pretax return on assets | 1.2463% | 2,311 |
| Return on Equity (ROE) | 11.2500% | 2,425 |
| Retained earnings to average equity (ytd only) | 7.8119% | 2,272 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.6165% | 2,622 |
| Assets per employee ($millions) | 8.9363% | 956 |
| Cash dividends to net income (ytd only)* | 30.5819% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,047 |
| Loan loss allowance to noncurrent loans | 6,274.4681% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 3,701 |
| Noncurrent loans to loans | 0.0175% | 3,667 |
| Net loans and leases to total assets | 82.3300% | 337 |
| Net loans and leases to deposits | 94.6282% | 744 |
| Net loans and leases to core deposits | 105.3048% | 866 |
| Total domestic deposits to total assets | 87.0100% | 2,257 |
| Equity capital to assets | 8.6495% | 2,789 |
| Core capital (leverage) ratio | 9.5998% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9682% | 1,984 |
| Memoranda: | ||
| Average total assets | $316,771,500 | 2,379 |
| Average earning assets | $290,568,500 | 2,395 |
| Average equity | $26,267,500 | 2,474 |
| Average total loans | $264,725,500 | 1,951 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 1,469 |
| Cost of funding earning assets | 0.3756% | 2,290 |
| Net interest margin | 3.7286% | 1,310 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.2807% | 2,804 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9880% | 2,613 |
| Return on assets (ROA) | 0.9885% | 2,561 |
| Pretax return on assets | 1.2969% | 2,098 |
| Return on Equity (ROE) | 11.9400% | 2,159 |
| Retained earnings to average equity (ytd only) | 8.2513% | 1,738 |
| Net charge-offs to loans | 0.0008% | 2,558 |
| Credit loss provision to net charge-offs | 17,500.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 2,094.0000% | 80 |
| Efficiency ratio | 61.7220% | 2,804 |
| Assets per employee ($millions) | 8.4280% | 1,126 |
| Cash dividends to net income (ytd only)* | 30.8849% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,220 |
| Loan loss allowance to noncurrent loans | 5,481.6327% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 3,697 |
| Noncurrent loans to loans | 0.0187% | 3,685 |
| Net loans and leases to total assets | 83.0400% | 322 |
| Net loans and leases to deposits | 92.9614% | 849 |
| Net loans and leases to core deposits | 101.9204% | 900 |
| Total domestic deposits to total assets | 89.3300% | 1,624 |
| Equity capital to assets | 7.9237% | 3,101 |
| Core capital (leverage) ratio | 8.9818% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0847% | 2,335 |
| Memoranda: | ||
| Average total assets | $296,098,000 | 2,468 |
| Average earning assets | $274,796,400 | 2,468 |
| Average equity | $24,517,400 | 2,601 |
| Average total loans | $240,594,200 | 1,996 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 1,432 |
| Cost of funding earning assets | 0.3354% | 1,816 |
| Net interest margin | 3.5865% | 1,423 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.2731% | 2,710 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.8873% | 2,930 |
| Return on assets (ROA) | 0.8881% | 2,893 |
| Pretax return on assets | 1.1806% | 2,442 |
| Return on Equity (ROE) | 10.6000% | 2,539 |
| Retained earnings to average equity (ytd only) | 6.9091% | 2,395 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.3312% | 2,647 |
| Assets per employee ($millions) | 8.0128% | 1,316 |
| Cash dividends to net income (ytd only)* | 34.8407% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 3,298 |
| Loan loss allowance to noncurrent loans | 5,071.1538% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 3,785 |
| Noncurrent loans to loans | 0.0205% | 3,764 |
| Net loans and leases to total assets | 82.3500% | 362 |
| Net loans and leases to deposits | 90.3453% | 868 |
| Net loans and leases to core deposits | 99.2177% | 847 |
| Total domestic deposits to total assets | 91.1400% | 1,178 |
| Equity capital to assets | 7.8270% | 3,004 |
| Core capital (leverage) ratio | 8.7534% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1693% | 2,400 |
| Memoranda: | ||
| Average total assets | $292,163,750 | 2,507 |
| Average earning assets | $271,899,750 | 2,504 |
| Average equity | $24,469,500 | 2,654 |
| Average total loans | $235,335,000 | 2,028 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 1,389 |
| Cost of funding earning assets | 0.3156% | 1,571 |
| Net interest margin | 3.4466% | 1,470 |
| Noninterest income to average assets | 0.2965% | 3,387 |
| Noninterest expense to average assets | 2.2669% | 2,647 |
| Loan and lease loss provision to assets | 0.1375% | 698 |
| Net operating income to assets | 0.8272% | 2,860 |
| Return on assets (ROA) | 0.8283% | 2,834 |
| Pretax return on assets | 1.1012% | 2,409 |
| Return on Equity (ROE) | 9.6670% | 2,466 |
| Retained earnings to average equity (ytd only) | 6.0044% | 2,335 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6919% | 2,681 |
| Assets per employee ($millions) | 7.9553% | 1,334 |
| Cash dividends to net income (ytd only)* | 37.8877% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,389 |
| Loan loss allowance to noncurrent loans | 7,925.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 3,922 |
| Noncurrent loans to loans | 0.0132% | 3,872 |
| Net loans and leases to total assets | 81.3305% | 326 |
| Net loans and leases to deposits | 89.5520% | 744 |
| Net loans and leases to core deposits | 98.6622% | 733 |
| Total domestic deposits to total assets | 90.8193% | 1,327 |
| Equity capital to assets | 8.1836% | 2,979 |
| Core capital (leverage) ratio | 9.1394% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5214% | 2,285 |
| Memoranda: | ||
| Average total assets | $288,056,333 | 2,545 |
| Average earning assets | $268,093,667 | 2,549 |
| Average equity | $24,682,000 | 2,701 |
| Average total loans | $229,324,667 | 2,055 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6499% | 1,383 |
| Cost of funding earning assets | 0.3023% | 1,638 |
| Net interest margin | 3.3476% | 1,450 |
| Noninterest income to average assets | 0.4029% | 2,670 |
| Noninterest expense to average assets | 2.2000% | 2,839 |
| Loan and lease loss provision to assets | 0.0463% | 1,534 |
| Net operating income to assets | 0.9645% | 2,020 |
| Return on assets (ROA) | 0.9645% | 2,017 |
| Pretax return on assets | 1.2818% | 1,559 |
| Return on Equity (ROE) | 11.0012% | 1,623 |
| Retained earnings to average equity (ytd only) | 7.3822% | 1,770 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3558% | 3,221 |
| Assets per employee ($millions) | 7.8253% | 1,476 |
| Cash dividends to net income (ytd only)* | 32.8967% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,522 |
| Loan loss allowance to noncurrent loans | 7,648.3871% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 3,957 |
| Noncurrent loans to loans | 0.0138% | 3,910 |
| Net loans and leases to total assets | 79.1310% | 285 |
| Net loans and leases to deposits | 87.7745% | 634 |
| Net loans and leases to core deposits | 96.7186% | 626 |
| Total domestic deposits to total assets | 90.1526% | 1,478 |
| Equity capital to assets | 8.7629% | 2,918 |
| Core capital (leverage) ratio | 9.3298% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0425% | 2,183 |
| Memoranda: | ||
| Average total assets | $284,911,500 | 2,580 |
| Average earning assets | $265,981,000 | 2,577 |
| Average equity | $24,979,000 | 2,778 |
| Average total loans | $223,022,500 | 2,089 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7173% | 2,063 |
| Cost of funding earning assets | 0.4151% | 1,437 |
| Net interest margin | 3.3022% | 2,310 |
| Noninterest income to average assets | 0.4695% | 2,733 |
| Noninterest expense to average assets | 2.2518% | 2,942 |
| Loan and lease loss provision to assets | 0.0742% | 1,622 |
| Net operating income to assets | 0.9631% | 2,824 |
| Return on assets (ROA) | 0.9631% | 2,890 |
| Pretax return on assets | 1.2731% | 2,449 |
| Return on Equity (ROE) | 10.5465% | 2,329 |
| Retained earnings to average equity (ytd only) | 7.3317% | 1,791 |
| Net charge-offs to loans | -0.0014% | 3,317 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5657% | 2,785 |
| Assets per employee ($millions) | 8.2318% | 1,203 |
| Cash dividends to net income (ytd only)* | 30.4817% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 3,530 |
| Loan loss allowance to noncurrent loans | 7,306.2500% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,041 |
| Noncurrent loans to loans | 0.0145% | 3,985 |
| Net loans and leases to total assets | 75.8091% | 531 |
| Net loans and leases to deposits | 87.3828% | 687 |
| Net loans and leases to core deposits | 96.2206% | 682 |
| Total domestic deposits to total assets | 86.7552% | 2,595 |
| Equity capital to assets | 8.7716% | 3,829 |
| Core capital (leverage) ratio | 8.8999% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0992% | 2,200 |
| Memoranda: | ||
| Average total assets | $269,430,800 | 2,606 |
| Average earning assets | $255,344,200 | 2,584 |
| Average equity | $24,605,400 | 2,876 |
| Average total loans | $211,683,400 | 2,164 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 2,179 |
| Cost of funding earning assets | 0.4263% | 1,509 |
| Net interest margin | 3.3114% | 2,387 |
| Noninterest income to average assets | 0.4678% | 2,760 |
| Noninterest expense to average assets | 2.2485% | 2,899 |
| Loan and lease loss provision to assets | 0.0427% | 2,141 |
| Net operating income to assets | 0.9941% | 2,935 |
| Return on assets (ROA) | 0.9941% | 3,007 |
| Pretax return on assets | 1.3214% | 2,570 |
| Return on Equity (ROE) | 10.7695% | 2,454 |
| Retained earnings to average equity (ytd only) | 7.6871% | 2,151 |
| Net charge-offs to loans | -0.0019% | 3,208 |
| Credit loss provision to net charge-offs | -2,833.3333% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2386% | 2,651 |
| Assets per employee ($millions) | 7.9034% | 1,314 |
| Cash dividends to net income (ytd only)* | 28.6221% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 3,705 |
| Loan loss allowance to noncurrent loans | 6,736.3636% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 4,148 |
| Noncurrent loans to loans | 0.0155% | 4,087 |
| Net loans and leases to total assets | 74.2798% | 669 |
| Net loans and leases to deposits | 86.7287% | 785 |
| Net loans and leases to core deposits | 93.6630% | 839 |
| Total domestic deposits to total assets | 85.6462% | 2,896 |
| Equity capital to assets | 8.8081% | 3,995 |
| Core capital (leverage) ratio | 8.7972% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7872% | 2,050 |
| Memoranda: | ||
| Average total assets | $264,760,250 | 2,664 |
| Average earning assets | $251,446,250 | 2,633 |
| Average equity | $24,438,750 | 2,916 |
| Average total loans | $209,415,750 | 2,205 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7757% | 2,131 |
| Cost of funding earning assets | 0.4528% | 1,501 |
| Net interest margin | 3.3230% | 2,370 |
| Noninterest income to average assets | 0.5547% | 2,388 |
| Noninterest expense to average assets | 2.2644% | 2,865 |
| Loan and lease loss provision to assets | 0.0519% | 1,994 |
| Net operating income to assets | 1.0443% | 2,741 |
| Return on assets (ROA) | 1.0443% | 2,820 |
| Pretax return on assets | 1.3882% | 2,370 |
| Return on Equity (ROE) | 11.1261% | 2,388 |
| Retained earnings to average equity (ytd only) | 8.3281% | 1,968 |
| Net charge-offs to loans | -0.0029% | 3,278 |
| Credit loss provision to net charge-offs | -2,233.3333% | 3,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1251% | 2,853 |
| Assets per employee ($millions) | 7.7491% | 1,328 |
| Cash dividends to net income (ytd only)* | 25.1484% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 3,686 |
| Loan loss allowance to noncurrent loans | 324.2647% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 2,715 |
| Noncurrent loans to loans | 0.3201% | 2,771 |
| Net loans and leases to total assets | 75.3658% | 646 |
| Net loans and leases to deposits | 88.1811% | 765 |
| Net loans and leases to core deposits | 95.2840% | 840 |
| Total domestic deposits to total assets | 85.4670% | 2,921 |
| Equity capital to assets | 8.8505% | 3,928 |
| Core capital (leverage) ratio | 9.2029% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5687% | 2,135 |
| Memoranda: | ||
| Average total assets | $258,172,667 | 2,696 |
| Average earning assets | $244,721,667 | 2,663 |
| Average equity | $24,231,333 | 2,920 |
| Average total loans | $208,032,333 | 2,224 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 1,715 |
| Cost of funding earning assets | 0.5132% | 1,315 |
| Net interest margin | 3.4324% | 2,015 |
| Noninterest income to average assets | 0.7248% | 1,789 |
| Noninterest expense to average assets | 2.3005% | 2,792 |
| Loan and lease loss provision to assets | 0.0710% | 1,736 |
| Net operating income to assets | 1.2059% | 2,118 |
| Return on assets (ROA) | 1.2059% | 2,204 |
| Pretax return on assets | 1.6031% | 1,718 |
| Return on Equity (ROE) | 12.4490% | 1,854 |
| Retained earnings to average equity (ytd only) | 9.6325% | 1,759 |
| Net charge-offs to loans | -0.0039% | 3,303 |
| Credit loss provision to net charge-offs | -2,200.0000% | 3,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8798% | 3,316 |
| Assets per employee ($millions) | 7.4150% | 1,505 |
| Cash dividends to net income (ytd only)* | 22.6238% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,643 |
| Loan loss allowance to noncurrent loans | 320.4112% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 2,803 |
| Noncurrent loans to loans | 0.3281% | 2,920 |
| Net loans and leases to total assets | 81.4529% | 251 |
| Net loans and leases to deposits | 96.9986% | 377 |
| Net loans and leases to core deposits | 106.8435% | 487 |
| Total domestic deposits to total assets | 83.9732% | 3,444 |
| Equity capital to assets | 9.6066% | 3,096 |
| Core capital (leverage) ratio | 9.8275% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1968% | 1,845 |
| Memoranda: | ||
| Average total assets | $247,776,000 | 2,740 |
| Average earning assets | $234,588,500 | 2,707 |
| Average equity | $24,002,000 | 2,930 |
| Average total loans | $205,823,500 | 2,238 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2460% | 2,006 |
| Cost of funding earning assets | 1.0023% | 590 |
| Net interest margin | 3.2437% | 3,233 |
| Noninterest income to average assets | 0.4989% | 2,638 |
| Noninterest expense to average assets | 2.3540% | 3,259 |
| Loan and lease loss provision to assets | 0.0758% | 3,429 |
| Net operating income to assets | 0.8528% | 2,889 |
| Return on assets (ROA) | 0.8545% | 3,024 |
| Pretax return on assets | 1.1296% | 2,588 |
| Return on Equity (ROE) | 8.9764% | 2,401 |
| Retained earnings to average equity (ytd only) | 5.8736% | 1,859 |
| Net charge-offs to loans | 0.0015% | 3,365 |
| Credit loss provision to net charge-offs | 6,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 952.0000% | 124 |
| Efficiency ratio | 66.1732% | 2,502 |
| Assets per employee ($millions) | 7.6076% | 1,219 |
| Cash dividends to net income (ytd only)* | 34.5661% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 3,701 |
| Loan loss allowance to noncurrent loans | 313.0499% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 2,892 |
| Noncurrent loans to loans | 0.3341% | 3,011 |
| Net loans and leases to total assets | 82.9681% | 230 |
| Net loans and leases to deposits | 101.7316% | 315 |
| Net loans and leases to core deposits | 112.7725% | 435 |
| Total domestic deposits to total assets | 81.5558% | 3,754 |
| Equity capital to assets | 9.7703% | 3,345 |
| Core capital (leverage) ratio | 9.7381% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1993% | 1,781 |
| Memoranda: | ||
| Average total assets | $237,338,400 | 2,673 |
| Average earning assets | $223,789,200 | 2,641 |
| Average equity | $22,592,600 | 2,969 |
| Average total loans | $196,813,200 | 2,265 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 2,224 |
| Cost of funding earning assets | 1.0732% | 590 |
| Net interest margin | 3.1871% | 3,520 |
| Noninterest income to average assets | 0.4732% | 2,725 |
| Noninterest expense to average assets | 2.3278% | 3,349 |
| Loan and lease loss provision to assets | 0.0712% | 3,431 |
| Net operating income to assets | 0.8108% | 3,052 |
| Return on assets (ROA) | 0.8131% | 3,164 |
| Pretax return on assets | 1.0811% | 2,805 |
| Return on Equity (ROE) | 8.5998% | 2,566 |
| Retained earnings to average equity (ytd only) | 5.6515% | 2,261 |
| Net charge-offs to loans | 0.0021% | 3,126 |
| Credit loss provision to net charge-offs | 4,200.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 677.6667% | 177 |
| Efficiency ratio | 66.9431% | 2,320 |
| Assets per employee ($millions) | 7.6392% | 1,149 |
| Cash dividends to net income (ytd only)* | 34.2837% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 3,401 |
| Loan loss allowance to noncurrent loans | 257.2311% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 2,818 |
| Noncurrent loans to loans | 0.4129% | 2,817 |
| Net loans and leases to total assets | 79.2975% | 676 |
| Net loans and leases to deposits | 99.6351% | 550 |
| Net loans and leases to core deposits | 111.5147% | 649 |
| Total domestic deposits to total assets | 79.5880% | 3,944 |
| Equity capital to assets | 9.5707% | 3,631 |
| Core capital (leverage) ratio | 9.2806% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3344% | 1,717 |
| Memoranda: | ||
| Average total assets | $235,812,250 | 2,666 |
| Average earning assets | $222,267,000 | 2,636 |
| Average equity | $22,294,500 | 2,985 |
| Average total loans | $194,987,750 | 2,278 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2972% | 2,482 |
| Cost of funding earning assets | 1.1819% | 536 |
| Net interest margin | 3.1153% | 3,870 |
| Noninterest income to average assets | 0.3563% | 3,342 |
| Noninterest expense to average assets | 2.3123% | 3,482 |
| Loan and lease loss provision to assets | 0.0713% | 3,405 |
| Net operating income to assets | 0.6912% | 3,417 |
| Return on assets (ROA) | 0.6946% | 3,511 |
| Pretax return on assets | 0.9239% | 3,248 |
| Return on Equity (ROE) | 7.3789% | 2,981 |
| Retained earnings to average equity (ytd only) | 4.4237% | 2,738 |
| Net charge-offs to loans | 0.0051% | 2,783 |
| Credit loss provision to net charge-offs | 1,660.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 230.8000% | 395 |
| Efficiency ratio | 70.0026% | 1,959 |
| Assets per employee ($millions) | 7.8653% | 1,021 |
| Cash dividends to net income (ytd only)* | 40.0494% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,530 |
| Loan loss allowance to noncurrent loans | 285.5540% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 2,504 |
| Noncurrent loans to loans | 0.3531% | 3,136 |
| Net loans and leases to total assets | 79.4119% | 670 |
| Net loans and leases to deposits | 99.8631% | 562 |
| Net loans and leases to core deposits | 110.1521% | 734 |
| Total domestic deposits to total assets | 79.5208% | 3,936 |
| Equity capital to assets | 9.1001% | 3,998 |
| Core capital (leverage) ratio | 9.4071% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6483% | 1,941 |
| Memoranda: | ||
| Average total assets | $232,931,667 | 2,657 |
| Average earning assets | $220,330,000 | 2,626 |
| Average equity | $21,927,333 | 2,996 |
| Average total loans | $194,674,667 | 2,255 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4887% | 2,339 |
| Cost of funding earning assets | 1.3224% | 528 |
| Net interest margin | 3.1663% | 3,943 |
| Noninterest income to average assets | 0.2219% | 4,228 |
| Noninterest expense to average assets | 2.3780% | 3,586 |
| Loan and lease loss provision to assets | 0.0644% | 2,956 |
| Net operating income to assets | 0.5852% | 3,644 |
| Return on assets (ROA) | 0.5923% | 3,671 |
| Pretax return on assets | 0.7873% | 3,444 |
| Return on Equity (ROE) | 6.1757% | 3,250 |
| Retained earnings to average equity (ytd only) | 3.2837% | 2,964 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8333% | 1,842 |
| Assets per employee ($millions) | 7.2683% | 973 |
| Cash dividends to net income (ytd only)* | 46.8278% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,531 |
| Loan loss allowance to noncurrent loans | 290.8163% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 2,567 |
| Noncurrent loans to loans | 0.3551% | 3,222 |
| Net loans and leases to total assets | 82.1972% | 420 |
| Net loans and leases to deposits | 107.3394% | 252 |
| Net loans and leases to core deposits | 121.5099% | 424 |
| Total domestic deposits to total assets | 76.5769% | 4,412 |
| Equity capital to assets | 9.6674% | 4,071 |
| Core capital (leverage) ratio | 10.3243% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3130% | 2,144 |
| Memoranda: | ||
| Average total assets | $223,553,000 | 2,687 |
| Average earning assets | $211,731,500 | 2,648 |
| Average equity | $21,439,000 | 3,035 |
| Average total loans | $191,058,500 | 2,255 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7282% | 2,249 |
| Cost of funding earning assets | 1.4920% | 407 |
| Net interest margin | 3.2363% | 4,118 |
| Noninterest income to average assets | 0.2716% | 4,050 |
| Noninterest expense to average assets | 2.5267% | 3,376 |
| Loan and lease loss provision to assets | -0.0156% | 4,948 |
| Net operating income to assets | 0.6149% | 4,111 |
| Return on assets (ROA) | 0.6156% | 4,173 |
| Pretax return on assets | 0.8132% | 3,944 |
| Return on Equity (ROE) | 6.3116% | 3,813 |
| Retained earnings to average equity (ytd only) | 3.2281% | 3,404 |
| Net charge-offs to loans | 0.0061% | 3,456 |
| Credit loss provision to net charge-offs | -290.9091% | 4,347 |
| Earnings coverage of net charge-offs (x) | 148.8182% | 496 |
| Efficiency ratio | 76.0287% | 1,370 |
| Assets per employee ($millions) | 6.7037% | 1,178 |
| Cash dividends to net income (ytd only)* | 48.8538% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,292 |
| Loan loss allowance to noncurrent loans | 4,168.0851% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 3,565 |
| Noncurrent loans to loans | 0.0249% | 4,465 |
| Net loans and leases to total assets | 87.1638% | 113 |
| Net loans and leases to deposits | 107.2568% | 254 |
| Net loans and leases to core deposits | 122.2455% | 421 |
| Total domestic deposits to total assets | 81.2665% | 3,711 |
| Equity capital to assets | 9.5064% | 4,351 |
| Core capital (leverage) ratio | 9.8897% | 3,626 |
| Tier 1 risk-based capital ratio | 12.5386% | 4,050 |
| Total risk-based capital ratio | 13.7447% | 3,955 |
| Memoranda: | ||
| Average total assets | $205,482,600 | 2,797 |
| Average earning assets | $193,772,600 | 2,763 |
| Average equity | $20,042,600 | 3,130 |
| Average total loans | $180,348,200 | 2,312 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 2,285 |
| Cost of funding earning assets | 1.5102% | 397 |
| Net interest margin | 3.2349% | 4,223 |
| Noninterest income to average assets | 0.2532% | 4,223 |
| Noninterest expense to average assets | 2.4852% | 3,482 |
| Loan and lease loss provision to assets | -0.0210% | 5,079 |
| Net operating income to assets | 0.6285% | 4,220 |
| Return on assets (ROA) | 0.6285% | 4,268 |
| Pretax return on assets | 0.8358% | 4,044 |
| Return on Equity (ROE) | 6.4009% | 3,919 |
| Retained earnings to average equity (ytd only) | 3.3007% | 3,759 |
| Net charge-offs to loans | 0.0082% | 3,077 |
| Credit loss provision to net charge-offs | -290.9091% | 4,230 |
| Earnings coverage of net charge-offs (x) | 112.8807% | 684 |
| Efficiency ratio | 75.3082% | 1,415 |
| Assets per employee ($millions) | 6.3367% | 1,371 |
| Cash dividends to net income (ytd only)* | 48.4342% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 2,976 |
| Loan loss allowance to noncurrent loans | 417.4840% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 3,652 |
| Noncurrent loans to loans | 0.2659% | 3,594 |
| Net loans and leases to total assets | 86.0101% | 190 |
| Net loans and leases to deposits | 108.5532% | 251 |
| Net loans and leases to core deposits | 124.6610% | 401 |
| Total domestic deposits to total assets | 79.2331% | 4,138 |
| Equity capital to assets | 10.0022% | 4,019 |
| Core capital (leverage) ratio | 9.9340% | 3,701 |
| Tier 1 risk-based capital ratio | 13.1169% | 3,789 |
| Total risk-based capital ratio | 14.3673% | 3,692 |
| Memoranda: | ||
| Average total assets | $203,223,500 | 2,834 |
| Average earning assets | $191,407,250 | 2,803 |
| Average equity | $19,955,000 | 3,159 |
| Average total loans | $178,199,750 | 2,365 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7227% | 2,296 |
| Cost of funding earning assets | 1.5032% | 380 |
| Net interest margin | 3.2195% | 4,318 |
| Noninterest income to average assets | 0.2301% | 4,380 |
| Noninterest expense to average assets | 2.5284% | 3,391 |
| Loan and lease loss provision to assets | -0.0315% | 5,152 |
| Net operating income to assets | 0.5743% | 4,373 |
| Return on assets (ROA) | 0.5743% | 4,409 |
| Pretax return on assets | 0.7641% | 4,187 |
| Return on Equity (ROE) | 5.8853% | 4,081 |
| Retained earnings to average equity (ytd only) | 2.7713% | 3,824 |
| Net charge-offs to loans | 0.0045% | 3,006 |
| Credit loss provision to net charge-offs | -800.0000% | 4,213 |
| Earnings coverage of net charge-offs (x) | 186.2500% | 415 |
| Efficiency ratio | 77.5332% | 1,214 |
| Assets per employee ($millions) | 6.6026% | 1,187 |
| Cash dividends to net income (ytd only)* | 52.9110% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 3,205 |
| Loan loss allowance to noncurrent loans | 391.6335% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 3,592 |
| Noncurrent loans to loans | 0.2749% | 3,546 |
| Net loans and leases to total assets | 88.2412% | 104 |
| Net loans and leases to deposits | 114.3924% | 137 |
| Net loans and leases to core deposits | 131.2156% | 303 |
| Total domestic deposits to total assets | 77.1391% | 4,547 |
| Equity capital to assets | 9.7913% | 4,146 |
| Core capital (leverage) ratio | 9.7679% | 3,862 |
| Tier 1 risk-based capital ratio | 12.8101% | 3,941 |
| Total risk-based capital ratio | 14.0600% | 3,845 |
| Memoranda: | ||
| Average total assets | $203,373,000 | 2,845 |
| Average earning assets | $191,456,670 | 2,811 |
| Average equity | $19,846,000 | 3,161 |
| Average total loans | $178,811,330 | 2,354 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6687% | 2,321 |
| Cost of funding earning assets | 1.4549% | 379 |
| Net interest margin | 3.2138% | 4,363 |
| Noninterest income to average assets | 0.2545% | 4,188 |
| Noninterest expense to average assets | 2.4349% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6354% | 4,138 |
| Return on assets (ROA) | 0.6354% | 4,176 |
| Pretax return on assets | 0.8445% | 3,935 |
| Return on Equity (ROE) | 6.5220% | 3,835 |
| Retained earnings to average equity (ytd only) | 3.4028% | 3,561 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2479% | 1,724 |
| Assets per employee ($millions) | 6.3497% | 1,318 |
| Cash dividends to net income (ytd only)* | 47.8261% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 2,915 |
| Loan loss allowance to noncurrent loans | 397.0238% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 3,623 |
| Noncurrent loans to loans | 0.2868% | 3,533 |
| Net loans and leases to total assets | 85.5056% | 233 |
| Net loans and leases to deposits | 113.1630% | 158 |
| Net loans and leases to core deposits | 127.5048% | 345 |
| Total domestic deposits to total assets | 75.5597% | 4,810 |
| Equity capital to assets | 9.7781% | 4,026 |
| Core capital (leverage) ratio | 9.8634% | 3,748 |
| Tier 1 risk-based capital ratio | 13.0738% | 3,839 |
| Total risk-based capital ratio | 14.3249% | 3,750 |
| Memoranda: | ||
| Average total assets | $202,719,000 | 2,871 |
| Average earning assets | $190,804,500 | 2,843 |
| Average equity | $19,748,500 | 3,185 |
| Average total loans | $176,927,500 | 2,399 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6576% | 1,963 |
| Cost of funding earning assets | 1.2010% | 343 |
| Net interest margin | 3.4566% | 3,844 |
| Noninterest income to average assets | 0.2032% | 4,698 |
| Noninterest expense to average assets | 2.3783% | 3,943 |
| Loan and lease loss provision to assets | 0.0309% | 3,571 |
| Net operating income to assets | 0.8071% | 3,780 |
| Return on assets (ROA) | 0.7957% | 3,825 |
| Pretax return on assets | 1.0452% | 3,454 |
| Return on Equity (ROE) | 8.0804% | 3,397 |
| Retained earnings to average equity (ytd only) | 4.8419% | 2,867 |
| Net charge-offs to loans | -0.0098% | 4,482 |
| Credit loss provision to net charge-offs | -352.9412% | 4,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5647% | 2,454 |
| Assets per employee ($millions) | 6.3203% | 1,306 |
| Cash dividends to net income (ytd only)* | 40.0776% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 2,962 |
| Loan loss allowance to noncurrent loans | 423.0444% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 3,665 |
| Noncurrent loans to loans | 0.2656% | 3,628 |
| Net loans and leases to total assets | 87.0783% | 165 |
| Net loans and leases to deposits | 117.5283% | 129 |
| Net loans and leases to core deposits | 130.1057% | 322 |
| Total domestic deposits to total assets | 74.0913% | 4,944 |
| Equity capital to assets | 9.7054% | 3,943 |
| Core capital (leverage) ratio | 9.9831% | 3,599 |
| Tier 1 risk-based capital ratio | 12.8384% | 3,947 |
| Total risk-based capital ratio | 14.0890% | 3,833 |
| Memoranda: | ||
| Average total assets | $194,420,800 | 2,920 |
| Average earning assets | $183,680,200 | 2,878 |
| Average equity | $19,145,200 | 3,168 |
| Average total loans | $173,746,000 | 2,400 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 1,901 |
| Cost of funding earning assets | 1.1454% | 332 |
| Net interest margin | 3.4846% | 3,744 |
| Noninterest income to average assets | 0.2134% | 4,690 |
| Noninterest expense to average assets | 2.3775% | 3,904 |
| Loan and lease loss provision to assets | 0.0623% | 2,727 |
| Net operating income to assets | 0.8048% | 3,883 |
| Return on assets (ROA) | 0.7939% | 3,935 |
| Pretax return on assets | 1.0558% | 3,554 |
| Return on Equity (ROE) | 8.0316% | 3,539 |
| Retained earnings to average equity (ytd only) | 4.7797% | 3,357 |
| Net charge-offs to loans | -0.0015% | 4,061 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7458% | 2,586 |
| Assets per employee ($millions) | 6.1872% | 1,356 |
| Cash dividends to net income (ytd only)* | 40.4886% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 3,052 |
| Loan loss allowance to noncurrent loans | 4,581.8182% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 4,881 |
| Noncurrent loans to loans | 0.0245% | 4,788 |
| Net loans and leases to total assets | 89.5247% | 87 |
| Net loans and leases to deposits | 125.7469% | 70 |
| Net loans and leases to core deposits | 134.5762% | 260 |
| Total domestic deposits to total assets | 71.1944% | 5,173 |
| Equity capital to assets | 9.7667% | 3,851 |
| Core capital (leverage) ratio | 10.0060% | 3,626 |
| Tier 1 risk-based capital ratio | 12.7067% | 4,078 |
| Total risk-based capital ratio | 13.9574% | 3,977 |
| Memoranda: | ||
| Average total assets | $192,463,750 | 2,965 |
| Average earning assets | $182,054,750 | 2,922 |
| Average equity | $19,024,250 | 3,198 |
| Average total loans | $172,653,500 | 2,423 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 1,865 |
| Cost of funding earning assets | 1.1080% | 280 |
| Net interest margin | 3.4651% | 3,751 |
| Noninterest income to average assets | 0.1910% | 4,870 |
| Noninterest expense to average assets | 2.3691% | 3,978 |
| Loan and lease loss provision to assets | 0.0892% | 2,136 |
| Net operating income to assets | 0.7575% | 4,007 |
| Return on assets (ROA) | 0.7575% | 4,007 |
| Pretax return on assets | 1.0072% | 3,638 |
| Return on Equity (ROE) | 7.6321% | 3,659 |
| Retained earnings to average equity (ytd only) | 4.3552% | 3,422 |
| Net charge-offs to loans | -0.0023% | 3,972 |
| Credit loss provision to net charge-offs | -4,250.0000% | 4,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3621% | 2,582 |
| Assets per employee ($millions) | 6.0622% | 1,416 |
| Cash dividends to net income (ytd only)* | 42.9363% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 3,074 |
| Loan loss allowance to noncurrent loans | 4,468.8889% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,914 |
| Noncurrent loans to loans | 0.0254% | 4,816 |
| Net loans and leases to total assets | 90.4377% | 65 |
| Net loans and leases to deposits | 126.3394% | 65 |
| Net loans and leases to core deposits | 134.7476% | 256 |
| Total domestic deposits to total assets | 71.5831% | 5,206 |
| Equity capital to assets | 9.8495% | 3,772 |
| Core capital (leverage) ratio | 10.0025% | 3,579 |
| Tier 1 risk-based capital ratio | 12.6430% | 4,101 |
| Total risk-based capital ratio | 13.8937% | 3,999 |
| Memoranda: | ||
| Average total assets | $190,622,000 | 2,999 |
| Average earning assets | $180,137,000 | 2,965 |
| Average equity | $18,920,000 | 3,231 |
| Average total loans | $170,449,670 | 2,460 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4671% | 1,966 |
| Cost of funding earning assets | 1.0614% | 275 |
| Net interest margin | 3.4058% | 3,867 |
| Noninterest income to average assets | 0.1588% | 5,068 |
| Noninterest expense to average assets | 2.3627% | 4,038 |
| Loan and lease loss provision to assets | 0.0953% | 1,922 |
| Net operating income to assets | 0.6923% | 4,128 |
| Return on assets (ROA) | 0.6923% | 4,138 |
| Pretax return on assets | 0.9209% | 3,781 |
| Return on Equity (ROE) | 6.9477% | 3,804 |
| Retained earnings to average equity (ytd only) | 3.6544% | 3,738 |
| Net charge-offs to loans | -0.0024% | 3,833 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9248% | 2,495 |
| Assets per employee ($millions) | 6.2282% | 1,353 |
| Cash dividends to net income (ytd only)* | 47.4006% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 3,028 |
| Loan loss allowance to noncurrent loans | 4,282.6087% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 4,647 |
| Noncurrent loans to loans | 0.0271% | 4,857 |
| Net loans and leases to total assets | 86.8040% | 206 |
| Net loans and leases to deposits | 122.7020% | 88 |
| Net loans and leases to core deposits | 130.1527% | 340 |
| Total domestic deposits to total assets | 70.7437% | 5,340 |
| Equity capital to assets | 9.7720% | 3,816 |
| Core capital (leverage) ratio | 10.2541% | 3,235 |
| Tier 1 risk-based capital ratio | 12.9228% | 3,992 |
| Total risk-based capital ratio | 14.1737% | 3,882 |
| Memoranda: | ||
| Average total assets | $188,938,000 | 3,047 |
| Average earning assets | $178,639,000 | 3,007 |
| Average equity | $18,826,500 | 3,267 |
| Average total loans | $166,949,000 | 2,508 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5263% | 1,628 |
| Cost of funding earning assets | 0.8043% | 603 |
| Net interest margin | 3.7220% | 2,713 |
| Noninterest income to average assets | 0.1194% | 5,343 |
| Noninterest expense to average assets | 2.3501% | 4,207 |
| Loan and lease loss provision to assets | 0.0723% | 2,764 |
| Net operating income to assets | 0.6734% | 3,718 |
| Return on assets (ROA) | 0.6752% | 3,757 |
| Pretax return on assets | 1.2238% | 2,668 |
| Return on Equity (ROE) | 6.4447% | 3,557 |
| Retained earnings to average equity (ytd only) | 3.0967% | 3,443 |
| Net charge-offs to loans | 0.0019% | 4,050 |
| Credit loss provision to net charge-offs | 4,300.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 769.3333% | 109 |
| Efficiency ratio | 64.5032% | 3,532 |
| Assets per employee ($millions) | 5.7751% | 1,681 |
| Cash dividends to net income (ytd only)* | 51.9502% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 2,948 |
| Loan loss allowance to noncurrent loans | 4,093.6170% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 4,654 |
| Noncurrent loans to loans | 0.0286% | 4,883 |
| Net loans and leases to total assets | 87.8822% | 143 |
| Net loans and leases to deposits | 122.6163% | 88 |
| Net loans and leases to core deposits | 127.7262% | 396 |
| Total domestic deposits to total assets | 71.6725% | 5,341 |
| Equity capital to assets | 10.1654% | 3,527 |
| Core capital (leverage) ratio | 10.4708% | 2,876 |
| Tier 1 risk-based capital ratio | 13.2559% | 3,758 |
| Total risk-based capital ratio | 14.5072% | 3,687 |
| Memoranda: | ||
| Average total assets | $178,458,400 | 3,138 |
| Average earning assets | $168,969,200 | 3,090 |
| Average equity | $18,697,400 | 3,277 |
| Average total loans | $157,848,000 | 2,571 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5362% | 1,546 |
| Cost of funding earning assets | 0.7675% | 694 |
| Net interest margin | 3.7688% | 2,509 |
| Noninterest income to average assets | 0.1342% | 5,337 |
| Noninterest expense to average assets | 2.3647% | 4,106 |
| Loan and lease loss provision to assets | 0.0972% | 2,161 |
| Net operating income to assets | 0.8004% | 3,519 |
| Return on assets (ROA) | 0.8028% | 3,559 |
| Pretax return on assets | 1.2446% | 2,737 |
| Return on Equity (ROE) | 7.6034% | 3,341 |
| Retained earnings to average equity (ytd only) | 4.2551% | 3,368 |
| Net charge-offs to loans | 0.0034% | 3,617 |
| Credit loss provision to net charge-offs | 3,225.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 444.0169% | 221 |
| Efficiency ratio | 63.8640% | 3,572 |
| Assets per employee ($millions) | 5.5908% | 1,835 |
| Cash dividends to net income (ytd only)* | 44.0379% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 2,965 |
| Loan loss allowance to noncurrent loans | 1,335.4167% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 4,442 |
| Noncurrent loans to loans | 0.0894% | 4,710 |
| Net loans and leases to total assets | 89.0004% | 114 |
| Net loans and leases to deposits | 119.0819% | 109 |
| Net loans and leases to core deposits | 124.9004% | 435 |
| Total domestic deposits to total assets | 74.7388% | 5,160 |
| Equity capital to assets | 10.6430% | 3,226 |
| Core capital (leverage) ratio | 10.7532% | 2,702 |
| Tier 1 risk-based capital ratio | 13.7951% | 3,529 |
| Total risk-based capital ratio | 15.0468% | 3,464 |
| Memoranda: | ||
| Average total assets | $176,872,250 | 3,186 |
| Average earning assets | $167,476,500 | 3,133 |
| Average equity | $18,675,250 | 3,308 |
| Average total loans | $156,226,750 | 2,605 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3311% | 2,034 |
| Cost of funding earning assets | 0.7529% | 673 |
| Net interest margin | 3.5782% | 3,115 |
| Noninterest income to average assets | 0.1566% | 5,271 |
| Noninterest expense to average assets | 2.2827% | 4,395 |
| Loan and lease loss provision to assets | 0.1010% | 1,998 |
| Net operating income to assets | 0.7455% | 3,650 |
| Return on assets (ROA) | 0.7492% | 3,695 |
| Pretax return on assets | 1.1612% | 2,924 |
| Return on Equity (ROE) | 7.1146% | 3,492 |
| Retained earnings to average equity (ytd only) | 3.7406% | 3,473 |
| Net charge-offs to loans | -0.0026% | 4,207 |
| Credit loss provision to net charge-offs | -4,450.0000% | 5,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4965% | 3,593 |
| Assets per employee ($millions) | 5.5716% | 1,807 |
| Cash dividends to net income (ytd only)* | 47.4242% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 3,041 |
| Loan loss allowance to noncurrent loans | 603.8339% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 4,000 |
| Noncurrent loans to loans | 0.1980% | 4,328 |
| Net loans and leases to total assets | 87.5900% | 171 |
| Net loans and leases to deposits | 113.2935% | 205 |
| Net loans and leases to core deposits | 117.7465% | 650 |
| Total domestic deposits to total assets | 77.3125% | 4,912 |
| Equity capital to assets | 10.5434% | 3,284 |
| Core capital (leverage) ratio | 10.6753% | 2,731 |
| Tier 1 risk-based capital ratio | 13.8566% | 3,501 |
| Total risk-based capital ratio | 15.1083% | 3,424 |
| Memoranda: | ||
| Average total assets | $176,194,000 | 3,205 |
| Average earning assets | $166,562,000 | 3,158 |
| Average equity | $18,553,330 | 3,327 |
| Average total loans | $154,585,330 | 2,634 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 2,098 |
| Cost of funding earning assets | 0.7513% | 643 |
| Net interest margin | 3.4981% | 3,278 |
| Noninterest income to average assets | 0.1644% | 5,291 |
| Noninterest expense to average assets | 2.2701% | 4,481 |
| Loan and lease loss provision to assets | 0.1142% | 1,678 |
| Net operating income to assets | 0.7007% | 3,699 |
| Return on assets (ROA) | 0.7080% | 3,711 |
| Pretax return on assets | 1.0985% | 2,995 |
| Return on Equity (ROE) | 6.7278% | 3,530 |
| Retained earnings to average equity (ytd only) | 3.3422% | 3,765 |
| Net charge-offs to loans | -0.0026% | 4,039 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3947% | 3,592 |
| Assets per employee ($millions) | 5.8766% | 1,595 |
| Cash dividends to net income (ytd only)* | 50.3226% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 3,153 |
| Loan loss allowance to noncurrent loans | 570.6790% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 4,048 |
| Noncurrent loans to loans | 0.2097% | 4,360 |
| Net loans and leases to total assets | 86.6010% | 182 |
| Net loans and leases to deposits | 113.2159% | 157 |
| Net loans and leases to core deposits | 117.6595% | 535 |
| Total domestic deposits to total assets | 76.4919% | 5,173 |
| Equity capital to assets | 10.5141% | 3,171 |
| Core capital (leverage) ratio | 10.7940% | 2,602 |
| Tier 1 risk-based capital ratio | 13.9565% | 3,510 |
| Total risk-based capital ratio | 15.2086% | 3,418 |
| Memoranda: | ||
| Average total assets | $175,145,000 | 3,250 |
| Average earning assets | $165,575,000 | 3,198 |
| Average equity | $18,431,000 | 3,354 |
| Average total loans | $152,850,000 | 2,665 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3710% | 1,910 |
| Cost of funding earning assets | 0.7248% | 722 |
| Net interest margin | 3.6463% | 2,901 |
| Noninterest income to average assets | 0.2407% | 4,987 |
| Noninterest expense to average assets | 2.5023% | 3,999 |
| Loan and lease loss provision to assets | 0.0206% | 3,958 |
| Net operating income to assets | 0.7546% | 3,516 |
| Return on assets (ROA) | 0.7523% | 3,645 |
| Pretax return on assets | 1.1671% | 2,820 |
| Return on Equity (ROE) | 6.5703% | 3,705 |
| Retained earnings to average equity (ytd only) | 3.1320% | 3,677 |
| Net charge-offs to loans | -0.0071% | 4,869 |
| Credit loss provision to net charge-offs | -340.0000% | 5,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7472% | 3,290 |
| Assets per employee ($millions) | 6.2140% | 1,323 |
| Cash dividends to net income (ytd only)* | 52.3312% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 3,183 |
| Loan loss allowance to noncurrent loans | 458.6735% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 3,955 |
| Noncurrent loans to loans | 0.2593% | 4,225 |
| Net loans and leases to total assets | 85.8529% | 241 |
| Net loans and leases to deposits | 112.0430% | 187 |
| Net loans and leases to core deposits | 116.8111% | 580 |
| Total domestic deposits to total assets | 76.6249% | 5,163 |
| Equity capital to assets | 10.5326% | 3,116 |
| Core capital (leverage) ratio | 10.7789% | 2,553 |
| Tier 1 risk-based capital ratio | 14.1495% | 3,382 |
| Total risk-based capital ratio | 15.4013% | 3,302 |
| Memoranda: | ||
| Average total assets | $165,367,200 | 3,342 |
| Average earning assets | $156,599,000 | 3,287 |
| Average equity | $18,933,600 | 3,278 |
| Average total loans | $141,793,200 | 2,754 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 2,008 |
| Cost of funding earning assets | 0.7170% | 751 |
| Net interest margin | 3.6299% | 2,967 |
| Noninterest income to average assets | 0.2369% | 5,054 |
| Noninterest expense to average assets | 2.4908% | 4,009 |
| Loan and lease loss provision to assets | 0.0278% | 3,681 |
| Net operating income to assets | 0.7491% | 3,611 |
| Return on assets (ROA) | 0.7475% | 3,747 |
| Pretax return on assets | 1.1527% | 3,035 |
| Return on Equity (ROE) | 6.3921% | 3,886 |
| Retained earnings to average equity (ytd only) | 2.9411% | 4,144 |
| Net charge-offs to loans | -0.0086% | 4,732 |
| Credit loss provision to net charge-offs | -377.7778% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8008% | 3,262 |
| Assets per employee ($millions) | 6.2365% | 1,272 |
| Cash dividends to net income (ytd only)* | 53.9890% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 3,099 |
| Loan loss allowance to noncurrent loans | 477.9255% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 4,067 |
| Noncurrent loans to loans | 0.2561% | 4,349 |
| Net loans and leases to total assets | 86.1395% | 245 |
| Net loans and leases to deposits | 112.6116% | 213 |
| Net loans and leases to core deposits | 118.1917% | 568 |
| Total domestic deposits to total assets | 76.4926% | 5,168 |
| Equity capital to assets | 10.8680% | 3,175 |
| Core capital (leverage) ratio | 11.0480% | 2,398 |
| Tier 1 risk-based capital ratio | 14.2489% | 3,434 |
| Total risk-based capital ratio | 15.5008% | 3,357 |
| Memoranda: | ||
| Average total assets | $163,210,750 | 3,380 |
| Average earning assets | $154,529,250 | 3,331 |
| Average equity | $19,085,500 | 3,280 |
| Average total loans | $139,447,500 | 2,795 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 2,040 |
| Cost of funding earning assets | 0.7240% | 704 |
| Net interest margin | 3.6097% | 3,064 |
| Noninterest income to average assets | 0.2465% | 5,005 |
| Noninterest expense to average assets | 2.5253% | 3,973 |
| Loan and lease loss provision to assets | 0.0297% | 3,535 |
| Net operating income to assets | 0.7183% | 3,705 |
| Return on assets (ROA) | 0.7183% | 3,863 |
| Pretax return on assets | 1.1060% | 3,176 |
| Return on Equity (ROE) | 5.9957% | 4,049 |
| Retained earnings to average equity (ytd only) | 2.5016% | 4,290 |
| Net charge-offs to loans | -0.0117% | 4,746 |
| Credit loss provision to net charge-offs | -300.0000% | 4,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9783% | 3,155 |
| Assets per employee ($millions) | 5.7746% | 1,563 |
| Cash dividends to net income (ytd only)* | 58.2759% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 2,928 |
| Loan loss allowance to noncurrent loans | 366.7351% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4169% | 3,835 |
| Noncurrent loans to loans | 0.3474% | 4,128 |
| Net loans and leases to total assets | 85.5963% | 282 |
| Net loans and leases to deposits | 110.9438% | 230 |
| Net loans and leases to core deposits | 116.6143% | 621 |
| Total domestic deposits to total assets | 77.1529% | 5,142 |
| Equity capital to assets | 11.2266% | 2,819 |
| Core capital (leverage) ratio | 11.1392% | 2,289 |
| Tier 1 risk-based capital ratio | 14.3993% | 3,380 |
| Total risk-based capital ratio | 15.6514% | 3,303 |
| Memoranda: | ||
| Average total assets | $161,486,000 | 3,418 |
| Average earning assets | $152,754,000 | 3,374 |
| Average equity | $19,347,330 | 3,262 |
| Average total loans | $136,982,330 | 2,835 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,008 |
| Cost of funding earning assets | 0.7241% | 717 |
| Net interest margin | 3.6128% | 3,036 |
| Noninterest income to average assets | 0.2429% | 4,998 |
| Noninterest expense to average assets | 2.6025% | 3,744 |
| Loan and lease loss provision to assets | 0.0223% | 3,393 |
| Net operating income to assets | 0.6717% | 3,871 |
| Return on assets (ROA) | 0.6717% | 3,988 |
| Pretax return on assets | 1.0311% | 3,356 |
| Return on Equity (ROE) | 5.4349% | 4,259 |
| Retained earnings to average equity (ytd only) | 1.7448% | 4,569 |
| Net charge-offs to loans | -0.0414% | 5,235 |
| Credit loss provision to net charge-offs | -64.2857% | 4,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1864% | 2,919 |
| Assets per employee ($millions) | 5.7515% | 1,622 |
| Cash dividends to net income (ytd only)* | 67.8967% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 2,954 |
| Loan loss allowance to noncurrent loans | 378.8913% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 3,921 |
| Noncurrent loans to loans | 0.3411% | 4,215 |
| Net loans and leases to total assets | 84.2848% | 343 |
| Net loans and leases to deposits | 110.4570% | 217 |
| Net loans and leases to core deposits | 115.9485% | 593 |
| Total domestic deposits to total assets | 76.3056% | 5,377 |
| Equity capital to assets | 11.0611% | 2,875 |
| Core capital (leverage) ratio | 10.9534% | 2,447 |
| Tier 1 risk-based capital ratio | 14.3537% | 3,468 |
| Total risk-based capital ratio | 15.6059% | 3,395 |
| Memoranda: | ||
| Average total assets | $161,385,000 | 3,429 |
| Average earning assets | $152,456,500 | 3,383 |
| Average equity | $19,945,000 | 3,206 |
| Average total loans | $135,381,000 | 2,858 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 1,795 |
| Cost of funding earning assets | 0.7702% | 580 |
| Net interest margin | 3.6626% | 2,894 |
| Noninterest income to average assets | 0.1122% | 5,839 |
| Noninterest expense to average assets | 2.5220% | 4,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6833% | 3,892 |
| Return on assets (ROA) | 0.6964% | 3,934 |
| Pretax return on assets | 1.0604% | 3,225 |
| Return on Equity (ROE) | 5.1469% | 4,438 |
| Retained earnings to average equity (ytd only) | 1.9204% | 4,634 |
| Net charge-offs to loans | -0.0208% | 5,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7920% | 3,097 |
| Assets per employee ($millions) | 5.7760% | 1,558 |
| Cash dividends to net income (ytd only)* | 62.6892% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 2,809 |
| Loan loss allowance to noncurrent loans | 299.8291% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 3,682 |
| Noncurrent loans to loans | 0.4390% | 3,893 |
| Net loans and leases to total assets | 81.3075% | 667 |
| Net loans and leases to deposits | 107.9720% | 300 |
| Net loans and leases to core deposits | 112.1672% | 762 |
| Total domestic deposits to total assets | 75.3042% | 5,521 |
| Equity capital to assets | 13.6507% | 1,059 |
| Core capital (leverage) ratio | 13.5708% | 941 |
| Tier 1 risk-based capital ratio | 18.0106% | 1,964 |
| Total risk-based capital ratio | 19.2624% | 1,919 |
| Memoranda: | ||
| Average total assets | $161,259,600 | 3,410 |
| Average earning assets | $151,913,000 | 3,372 |
| Average equity | $21,818,800 | 2,993 |
| Average total loans | $134,601,200 | 2,810 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4171% | 1,870 |
| Cost of funding earning assets | 0.7777% | 569 |
| Net interest margin | 3.6394% | 3,000 |
| Noninterest income to average assets | 0.1018% | 5,961 |
| Noninterest expense to average assets | 2.5120% | 4,159 |
| Loan and lease loss provision to assets | 0.0207% | 3,863 |
| Net operating income to assets | 0.6350% | 4,215 |
| Return on assets (ROA) | 0.6520% | 4,233 |
| Pretax return on assets | 1.0185% | 3,543 |
| Return on Equity (ROE) | 4.8296% | 4,700 |
| Retained earnings to average equity (ytd only) | 1.5874% | 5,071 |
| Net charge-offs to loans | -0.0247% | 5,271 |
| Credit loss provision to net charge-offs | -100.0000% | 5,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2676% | 3,000 |
| Assets per employee ($millions) | 5.8314% | 1,484 |
| Cash dividends to net income (ytd only)* | 67.1324% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 3,183 |
| Loan loss allowance to noncurrent loans | 317.1429% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 3,927 |
| Noncurrent loans to loans | 0.4050% | 4,157 |
| Net loans and leases to total assets | 83.5980% | 416 |
| Net loans and leases to deposits | 111.0878% | 231 |
| Net loans and leases to core deposits | 116.4083% | 570 |
| Total domestic deposits to total assets | 75.2540% | 5,600 |
| Equity capital to assets | 13.4255% | 1,266 |
| Core capital (leverage) ratio | 13.4385% | 1,042 |
| Tier 1 risk-based capital ratio | 17.0365% | 2,364 |
| Total risk-based capital ratio | 18.2882% | 2,308 |
| Memoranda: | ||
| Average total assets | $161,142,500 | 3,448 |
| Average earning assets | $151,558,000 | 3,403 |
| Average equity | $21,754,250 | 3,012 |
| Average total loans | $134,938,750 | 2,822 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 1,883 |
| Cost of funding earning assets | 0.7823% | 552 |
| Net interest margin | 3.6086% | 3,049 |
| Noninterest income to average assets | 0.1446% | 5,841 |
| Noninterest expense to average assets | 2.4995% | 4,246 |
| Loan and lease loss provision to assets | 0.0312% | 3,502 |
| Net operating income to assets | 0.6619% | 4,070 |
| Return on assets (ROA) | 0.6520% | 4,226 |
| Pretax return on assets | 0.9861% | 3,643 |
| Return on Equity (ROE) | 4.8206% | 4,693 |
| Retained earnings to average equity (ytd only) | 1.6038% | 4,897 |
| Net charge-offs to loans | -0.0643% | 5,636 |
| Credit loss provision to net charge-offs | -58.1395% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7730% | 3,200 |
| Assets per employee ($millions) | 6.2162% | 1,207 |
| Cash dividends to net income (ytd only)* | 66.7304% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3167% | 3,150 |
| Loan loss allowance to noncurrent loans | 206.4442% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.6967% | 3,309 |
| Noncurrent loans to loans | 0.6378% | 3,561 |
| Net loans and leases to total assets | 83.1916% | 448 |
| Net loans and leases to deposits | 113.1813% | 199 |
| Net loans and leases to core deposits | 119.0487% | 492 |
| Total domestic deposits to total assets | 73.5030% | 5,836 |
| Equity capital to assets | 13.4375% | 1,197 |
| Core capital (leverage) ratio | 13.6255% | 950 |
| Tier 1 risk-based capital ratio | 17.0305% | 2,392 |
| Total risk-based capital ratio | 18.2820% | 2,336 |
| Memoranda: | ||
| Average total assets | $160,430,330 | 3,480 |
| Average earning assets | $150,584,330 | 3,448 |
| Average equity | $21,698,670 | 3,034 |
| Average total loans | $133,827,000 | 2,848 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3887% | 1,805 |
| Cost of funding earning assets | 0.7875% | 543 |
| Net interest margin | 3.6012% | 2,997 |
| Noninterest income to average assets | 0.1677% | 5,720 |
| Noninterest expense to average assets | 2.4275% | 4,521 |
| Loan and lease loss provision to assets | 0.0626% | 2,674 |
| Net operating income to assets | 0.6965% | 3,821 |
| Return on assets (ROA) | 0.6882% | 3,982 |
| Pretax return on assets | 1.0411% | 3,334 |
| Return on Equity (ROE) | 5.0717% | 4,498 |
| Retained earnings to average equity (ytd only) | 2.8217% | 4,271 |
| Net charge-offs to loans | -0.0121% | 4,805 |
| Credit loss provision to net charge-offs | -625.0000% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5028% | 3,739 |
| Assets per employee ($millions) | 5.9042% | 1,465 |
| Cash dividends to net income (ytd only)* | 44.3636% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 3,350 |
| Loan loss allowance to noncurrent loans | 273.7910% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 3,788 |
| Noncurrent loans to loans | 0.4781% | 4,144 |
| Net loans and leases to total assets | 83.0102% | 374 |
| Net loans and leases to deposits | 113.5784% | 165 |
| Net loans and leases to core deposits | 120.0579% | 413 |
| Total domestic deposits to total assets | 73.0863% | 5,971 |
| Equity capital to assets | 13.6852% | 1,099 |
| Core capital (leverage) ratio | 13.7152% | 900 |
| Tier 1 risk-based capital ratio | 17.3494% | 2,357 |
| Total risk-based capital ratio | 18.6009% | 2,316 |
| Memoranda: | ||
| Average total assets | $159,834,500 | 3,509 |
| Average earning assets | $149,839,000 | 3,472 |
| Average equity | $21,689,000 | 3,049 |
| Average total loans | $132,615,500 | 2,870 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5878% | 1,595 |
| Cost of funding earning assets | 0.7371% | 910 |
| Net interest margin | 3.8507% | 2,427 |
| Noninterest income to average assets | 0.0953% | 6,167 |
| Noninterest expense to average assets | 2.5153% | 4,492 |
| Loan and lease loss provision to assets | 0.0424% | 3,724 |
| Net operating income to assets | 0.7302% | 3,736 |
| Return on assets (ROA) | 0.7306% | 3,844 |
| Pretax return on assets | 1.1336% | 2,955 |
| Return on Equity (ROE) | 5.2333% | 4,541 |
| Retained earnings to average equity (ytd only) | 2.6640% | 4,349 |
| Net charge-offs to loans | 0.0835% | 3,300 |
| Credit loss provision to net charge-offs | 60.9524% | 3,271 |
| Earnings coverage of net charge-offs (x) | 16.9143% | 1,971 |
| Efficiency ratio | 68.1549% | 3,873 |
| Assets per employee ($millions) | 5.5261% | 1,744 |
| Cash dividends to net income (ytd only)* | 49.0942% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 3,339 |
| Loan loss allowance to noncurrent loans | 225.3264% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 3,665 |
| Noncurrent loans to loans | 0.5841% | 3,919 |
| Net loans and leases to total assets | 80.7589% | 643 |
| Net loans and leases to deposits | 111.6863% | 202 |
| Net loans and leases to core deposits | 118.0601% | 463 |
| Total domestic deposits to total assets | 72.3087% | 6,062 |
| Equity capital to assets | 13.4547% | 1,177 |
| Core capital (leverage) ratio | 13.7452% | 884 |
| Tier 1 risk-based capital ratio | 17.4613% | 2,331 |
| Total risk-based capital ratio | 18.7129% | 2,298 |
| Memoranda: | ||
| Average total assets | $151,114,000 | 3,615 |
| Average earning assets | $141,090,600 | 3,588 |
| Average equity | $21,095,800 | 3,042 |
| Average total loans | $125,771,000 | 2,944 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6086% | 1,537 |
| Cost of funding earning assets | 0.7170% | 1,064 |
| Net interest margin | 3.8916% | 2,277 |
| Noninterest income to average assets | 0.1514% | 6,011 |
| Noninterest expense to average assets | 2.5460% | 4,378 |
| Loan and lease loss provision to assets | 0.0968% | 2,429 |
| Net operating income to assets | 0.7466% | 3,686 |
| Return on assets (ROA) | 0.7471% | 3,778 |
| Pretax return on assets | 1.1369% | 3,043 |
| Return on Equity (ROE) | 5.3003% | 4,575 |
| Retained earnings to average equity (ytd only) | 2.9361% | 4,506 |
| Net charge-offs to loans | 0.0525% | 3,465 |
| Credit loss provision to net charge-offs | 220.4082% | 1,173 |
| Earnings coverage of net charge-offs (x) | 28.0824% | 1,430 |
| Efficiency ratio | 67.3779% | 3,970 |
| Assets per employee ($millions) | 5.7363% | 1,538 |
| Cash dividends to net income (ytd only)* | 44.6046% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 3,218 |
| Loan loss allowance to noncurrent loans | 91.9899% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 2.0241% | 1,408 |
| Noncurrent loans to loans | 1.5129% | 2,144 |
| Net loans and leases to total assets | 83.5350% | 361 |
| Net loans and leases to deposits | 115.0414% | 140 |
| Net loans and leases to core deposits | 120.9579% | 379 |
| Total domestic deposits to total assets | 72.6130% | 6,123 |
| Equity capital to assets | 13.7920% | 1,075 |
| Core capital (leverage) ratio | 14.1885% | 797 |
| Tier 1 risk-based capital ratio | 17.3566% | 2,448 |
| Total risk-based capital ratio | 18.6091% | 2,407 |
| Memoranda: | ||
| Average total assets | $148,828,500 | 3,677 |
| Average earning assets | $138,724,000 | 3,652 |
| Average equity | $20,979,250 | 3,066 |
| Average total loans | $124,427,000 | 2,984 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 1,502 |
| Cost of funding earning assets | 0.7085% | 1,147 |
| Net interest margin | 3.9027% | 2,154 |
| Noninterest income to average assets | 0.1757% | 5,897 |
| Noninterest expense to average assets | 2.5761% | 4,326 |
| Loan and lease loss provision to assets | 0.0981% | 2,392 |
| Net operating income to assets | 0.7424% | 3,610 |
| Return on assets (ROA) | 0.7424% | 3,711 |
| Pretax return on assets | 1.1334% | 2,957 |
| Return on Equity (ROE) | 5.2273% | 4,570 |
| Retained earnings to average equity (ytd only) | 3.4049% | 4,035 |
| Net charge-offs to loans | 0.0851% | 2,837 |
| Credit loss provision to net charge-offs | 138.4615% | 1,533 |
| Earnings coverage of net charge-offs (x) | 17.3846% | 1,738 |
| Efficiency ratio | 67.6565% | 4,072 |
| Assets per employee ($millions) | 5.3974% | 1,786 |
| Cash dividends to net income (ytd only)* | 34.8624% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 3,273 |
| Loan loss allowance to noncurrent loans | 90.0252% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 2.0830% | 1,505 |
| Noncurrent loans to loans | 1.5711% | 2,206 |
| Net loans and leases to total assets | 82.4169% | 428 |
| Net loans and leases to deposits | 109.3739% | 219 |
| Net loans and leases to core deposits | 114.6915% | 511 |
| Total domestic deposits to total assets | 75.3533% | 5,987 |
| Equity capital to assets | 14.0530% | 949 |
| Core capital (leverage) ratio | 14.3355% | 749 |
| Tier 1 risk-based capital ratio | 17.7599% | 2,324 |
| Total risk-based capital ratio | 19.0132% | 2,293 |
| Memoranda: | ||
| Average total assets | $146,811,330 | 3,733 |
| Average earning assets | $136,622,670 | 3,698 |
| Average equity | $20,852,000 | 3,078 |
| Average total loans | $122,167,670 | 3,024 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5455% | 1,662 |
| Cost of funding earning assets | 0.7100% | 1,191 |
| Net interest margin | 3.8354% | 2,324 |
| Noninterest income to average assets | 0.2019% | 5,741 |
| Noninterest expense to average assets | 2.6076% | 4,242 |
| Loan and lease loss provision to assets | 0.0995% | 2,264 |
| Net operating income to assets | 0.6941% | 3,719 |
| Return on assets (ROA) | 0.6941% | 3,796 |
| Pretax return on assets | 1.0646% | 3,064 |
| Return on Equity (ROE) | 4.8599% | 4,614 |
| Retained earnings to average equity (ytd only) | 4.5888% | 3,368 |
| Net charge-offs to loans | 0.1832% | 1,620 |
| Credit loss provision to net charge-offs | 65.4545% | 2,049 |
| Earnings coverage of net charge-offs (x) | 7.6545% | 2,102 |
| Efficiency ratio | 69.1349% | 3,977 |
| Assets per employee ($millions) | 5.2718% | 1,938 |
| Cash dividends to net income (ytd only)* | 5.5777% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 3,440 |
| Loan loss allowance to noncurrent loans | 480.4945% | 974 |
| Noncurrent assets plus other real estate owned to assets | 1.0345% | 3,184 |
| Noncurrent loans to loans | 0.2989% | 5,219 |
| Net loans and leases to total assets | 81.3219% | 418 |
| Net loans and leases to deposits | 109.1223% | 166 |
| Net loans and leases to core deposits | 114.1282% | 462 |
| Total domestic deposits to total assets | 74.5236% | 6,197 |
| Equity capital to assets | 14.1615% | 870 |
| Core capital (leverage) ratio | 14.7395% | 639 |
| Tier 1 risk-based capital ratio | 18.0274% | 2,284 |
| Total risk-based capital ratio | 19.2807% | 2,260 |
| Memoranda: | ||
| Average total assets | $144,653,000 | 3,792 |
| Average earning assets | $134,639,500 | 3,752 |
| Average equity | $20,659,000 | 3,100 |
| Average total loans | $120,080,500 | 3,072 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7154% | 1,529 |
| Cost of funding earning assets | 0.7519% | 1,483 |
| Net interest margin | 3.9635% | 2,054 |
| Noninterest income to average assets | 0.2053% | 5,854 |
| Noninterest expense to average assets | 2.5223% | 4,698 |
| Loan and lease loss provision to assets | 0.1226% | 2,777 |
| Net operating income to assets | 0.8172% | 3,206 |
| Return on assets (ROA) | 0.8450% | 3,142 |
| Pretax return on assets | 1.2927% | 2,187 |
| Return on Equity (ROE) | 6.0115% | 4,079 |
| Retained earnings to average equity (ytd only) | 5.7872% | 2,108 |
| Net charge-offs to loans | 0.2601% | 2,407 |
| Credit loss provision to net charge-offs | 57.7558% | 3,634 |
| Earnings coverage of net charge-offs (x) | 6.4653% | 3,057 |
| Efficiency ratio | 64.7598% | 4,780 |
| Assets per employee ($millions) | 5.0605% | 2,117 |
| Cash dividends to net income (ytd only)* | 3.7313% | 4,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 3,228 |
| Loan loss allowance to noncurrent loans | 422.9665% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 1.1158% | 3,173 |
| Noncurrent loans to loans | 0.3531% | 5,127 |
| Net loans and leases to total assets | 82.2922% | 389 |
| Net loans and leases to deposits | 110.6132% | 167 |
| Net loans and leases to core deposits | 116.2100% | 412 |
| Total domestic deposits to total assets | 74.3964% | 6,250 |
| Equity capital to assets | 14.4070% | 802 |
| Core capital (leverage) ratio | 14.9147% | 614 |
| Tier 1 risk-based capital ratio | 18.3357% | 2,136 |
| Total risk-based capital ratio | 19.5887% | 2,092 |
| Memoranda: | ||
| Average total assets | $142,728,400 | 3,834 |
| Average earning assets | $132,862,200 | 3,778 |
| Average equity | $20,061,400 | 3,148 |
| Average total loans | $116,490,800 | 3,120 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7087% | 1,576 |
| Cost of funding earning assets | 0.7619% | 1,532 |
| Net interest margin | 3.9467% | 2,126 |
| Noninterest income to average assets | 0.1856% | 6,083 |
| Noninterest expense to average assets | 2.5316% | 4,614 |
| Loan and lease loss provision to assets | 0.1632% | 2,215 |
| Net operating income to assets | 0.7394% | 3,650 |
| Return on assets (ROA) | 0.7758% | 3,609 |
| Pretax return on assets | 1.2234% | 2,609 |
| Return on Equity (ROE) | 5.5540% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.3270% | 2,856 |
| Net charge-offs to loans | 0.3505% | 1,796 |
| Credit loss provision to net charge-offs | 57.3770% | 3,351 |
| Earnings coverage of net charge-offs (x) | 4.6754% | 3,378 |
| Efficiency ratio | 65.5639% | 4,565 |
| Assets per employee ($millions) | 5.0984% | 2,052 |
| Cash dividends to net income (ytd only)* | 4.0863% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 3,483 |
| Loan loss allowance to noncurrent loans | 121.2225% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 1.8388% | 2,218 |
| Noncurrent loans to loans | 1.2322% | 3,349 |
| Net loans and leases to total assets | 81.5356% | 406 |
| Net loans and leases to deposits | 108.5327% | 179 |
| Net loans and leases to core deposits | 114.1976% | 446 |
| Total domestic deposits to total assets | 75.1254% | 6,268 |
| Equity capital to assets | 14.1661% | 915 |
| Core capital (leverage) ratio | 14.5471% | 723 |
| Tier 1 risk-based capital ratio | 17.9746% | 2,336 |
| Total risk-based capital ratio | 19.2167% | 2,304 |
| Memoranda: | ||
| Average total assets | $142,986,750 | 3,867 |
| Average earning assets | $133,170,000 | 3,813 |
| Average equity | $19,973,250 | 3,187 |
| Average total loans | $116,020,500 | 3,144 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6712% | 1,647 |
| Cost of funding earning assets | 0.7738% | 1,563 |
| Net interest margin | 3.8974% | 2,218 |
| Noninterest income to average assets | 0.1929% | 6,054 |
| Noninterest expense to average assets | 2.5303% | 4,626 |
| Loan and lease loss provision to assets | 0.2097% | 1,807 |
| Net operating income to assets | 0.6928% | 3,842 |
| Return on assets (ROA) | 0.7465% | 3,734 |
| Pretax return on assets | 1.1771% | 2,777 |
| Return on Equity (ROE) | 5.3695% | 4,534 |
| Retained earnings to average equity (ytd only) | 5.1483% | 2,960 |
| Net charge-offs to loans | -0.0243% | 6,038 |
| Credit loss provision to net charge-offs | -1,071.4286% | 6,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0102% | 4,541 |
| Assets per employee ($millions) | 5.2580% | 1,840 |
| Cash dividends to net income (ytd only)* | 4.1199% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7593% | 2,567 |
| Loan loss allowance to noncurrent loans | 64.5455% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 2.4323% | 1,750 |
| Noncurrent loans to loans | 2.7257% | 1,673 |
| Net loans and leases to total assets | 80.9864% | 442 |
| Net loans and leases to deposits | 106.1537% | 220 |
| Net loans and leases to core deposits | 111.8957% | 487 |
| Total domestic deposits to total assets | 76.2917% | 6,222 |
| Equity capital to assets | 14.0603% | 952 |
| Core capital (leverage) ratio | 14.2638% | 757 |
| Tier 1 risk-based capital ratio | 17.8057% | 2,394 |
| Total risk-based capital ratio | 19.0692% | 2,352 |
| Memoranda: | ||
| Average total assets | $143,063,670 | 3,893 |
| Average earning assets | $133,627,000 | 3,829 |
| Average equity | $19,890,000 | 3,218 |
| Average total loans | $115,306,670 | 3,162 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7127% | 1,501 |
| Cost of funding earning assets | 0.7874% | 1,600 |
| Net interest margin | 3.9253% | 2,028 |
| Noninterest income to average assets | 0.1588% | 6,312 |
| Noninterest expense to average assets | 2.5179% | 4,694 |
| Loan and lease loss provision to assets | 0.2089% | 1,777 |
| Net operating income to assets | 0.6935% | 3,722 |
| Return on assets (ROA) | 0.6935% | 3,867 |
| Pretax return on assets | 1.0974% | 2,957 |
| Return on Equity (ROE) | 5.0165% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.7949% | 3,363 |
| Net charge-offs to loans | -0.0105% | 5,458 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8412% | 4,694 |
| Assets per employee ($millions) | 6.3120% | 1,069 |
| Cash dividends to net income (ytd only)* | 4.4177% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 2,903 |
| Loan loss allowance to noncurrent loans | 95.8698% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.5987% | 2,869 |
| Noncurrent loans to loans | 1.7990% | 2,866 |
| Net loans and leases to total assets | 77.4413% | 672 |
| Net loans and leases to deposits | 103.6031% | 240 |
| Net loans and leases to core deposits | 109.9853% | 499 |
| Total domestic deposits to total assets | 74.7481% | 6,483 |
| Equity capital to assets | 13.7205% | 1,129 |
| Core capital (leverage) ratio | 14.1925% | 748 |
| Tier 1 risk-based capital ratio | 17.1737% | 2,683 |
| Total risk-based capital ratio | 18.4079% | 2,659 |
| Memoranda: | ||
| Average total assets | $143,612,000 | 3,921 |
| Average earning assets | $134,105,000 | 3,862 |
| Average equity | $19,854,500 | 3,256 |
| Average total loans | $114,443,500 | 3,194 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 1,812 |
| Cost of funding earning assets | 0.9182% | 1,830 |
| Net interest margin | 3.9911% | 2,426 |
| Noninterest income to average assets | 0.2099% | 5,915 |
| Noninterest expense to average assets | 2.4536% | 5,242 |
| Loan and lease loss provision to assets | 0.2004% | 3,134 |
| Net operating income to assets | 0.7918% | 3,319 |
| Return on assets (ROA) | 0.8947% | 3,079 |
| Pretax return on assets | 1.4334% | 1,928 |
| Return on Equity (ROE) | 6.4372% | 3,944 |
| Retained earnings to average equity (ytd only) | 6.0570% | 2,045 |
| Net charge-offs to loans | 0.1155% | 4,529 |
| Credit loss provision to net charge-offs | 216.6667% | 1,168 |
| Earnings coverage of net charge-offs (x) | 15.9286% | 1,617 |
| Efficiency ratio | 62.4860% | 5,169 |
| Assets per employee ($millions) | 5.6819% | 1,532 |
| Cash dividends to net income (ytd only)* | 5.9065% | 4,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 3,098 |
| Loan loss allowance to noncurrent loans | 54.9275% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 2.6139% | 1,862 |
| Noncurrent loans to loans | 3.0134% | 1,725 |
| Net loans and leases to total assets | 79.2639% | 540 |
| Net loans and leases to deposits | 99.2289% | 444 |
| Net loans and leases to core deposits | 106.0518% | 692 |
| Total domestic deposits to total assets | 79.8799% | 5,699 |
| Equity capital to assets | 13.9320% | 1,080 |
| Core capital (leverage) ratio | 14.0642% | 782 |
| Tier 1 risk-based capital ratio | 17.2162% | 2,550 |
| Total risk-based capital ratio | 18.4694% | 2,528 |
| Memoranda: | ||
| Average total assets | $136,249,800 | 4,020 |
| Average earning assets | $126,881,600 | 3,969 |
| Average equity | $18,936,800 | 3,343 |
| Average total loans | $109,076,800 | 3,315 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9989% | 1,697 |
| Cost of funding earning assets | 0.9362% | 1,946 |
| Net interest margin | 4.0627% | 2,244 |
| Noninterest income to average assets | 0.1553% | 6,372 |
| Noninterest expense to average assets | 2.4559% | 5,225 |
| Loan and lease loss provision to assets | 0.1118% | 4,168 |
| Net operating income to assets | 0.8356% | 3,285 |
| Return on assets (ROA) | 0.8635% | 3,405 |
| Pretax return on assets | 1.4124% | 2,192 |
| Return on Equity (ROE) | 6.2166% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.7894% | 2,845 |
| Net charge-offs to loans | 0.1609% | 3,828 |
| Credit loss provision to net charge-offs | 86.9231% | 3,397 |
| Earnings coverage of net charge-offs (x) | 11.5153% | 2,072 |
| Efficiency ratio | 62.3869% | 5,086 |
| Assets per employee ($millions) | 5.6844% | 1,470 |
| Cash dividends to net income (ytd only)* | 6.8730% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 3,624 |
| Loan loss allowance to noncurrent loans | 175.2024% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.8803% | 4,521 |
| Noncurrent loans to loans | 0.8986% | 4,637 |
| Net loans and leases to total assets | 76.1486% | 956 |
| Net loans and leases to deposits | 92.4685% | 921 |
| Net loans and leases to core deposits | 98.8328% | 1,203 |
| Total domestic deposits to total assets | 82.3509% | 4,896 |
| Equity capital to assets | 13.8211% | 1,229 |
| Core capital (leverage) ratio | 13.9860% | 838 |
| Tier 1 risk-based capital ratio | 17.0804% | 2,701 |
| Total risk-based capital ratio | 18.2951% | 2,668 |
| Memoranda: | ||
| Average total assets | $134,800,500 | 4,084 |
| Average earning assets | $125,463,500 | 4,029 |
| Average equity | $18,723,500 | 3,401 |
| Average total loans | $107,724,250 | 3,373 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1232% | 1,446 |
| Cost of funding earning assets | 0.9745% | 1,912 |
| Net interest margin | 4.1488% | 1,912 |
| Noninterest income to average assets | 0.1798% | 6,282 |
| Noninterest expense to average assets | 2.4916% | 5,169 |
| Loan and lease loss provision to assets | 0.1315% | 3,882 |
| Net operating income to assets | 0.8582% | 3,098 |
| Return on assets (ROA) | 0.8582% | 3,368 |
| Pretax return on assets | 1.4037% | 2,182 |
| Return on Equity (ROE) | 6.1680% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.9182% | 2,755 |
| Net charge-offs to loans | 0.0636% | 4,542 |
| Credit loss provision to net charge-offs | 255.8824% | 1,120 |
| Earnings coverage of net charge-offs (x) | 29.8824% | 1,072 |
| Efficiency ratio | 61.8762% | 5,271 |
| Assets per employee ($millions) | 5.5906% | 1,540 |
| Cash dividends to net income (ytd only)* | 4.0493% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 3,360 |
| Loan loss allowance to noncurrent loans | 133.6053% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 4,369 |
| Noncurrent loans to loans | 1.2483% | 4,056 |
| Net loans and leases to total assets | 79.1435% | 603 |
| Net loans and leases to deposits | 94.2253% | 749 |
| Net loans and leases to core deposits | 100.9574% | 1,043 |
| Total domestic deposits to total assets | 83.9939% | 4,320 |
| Equity capital to assets | 14.4067% | 946 |
| Core capital (leverage) ratio | 14.2369% | 751 |
| Tier 1 risk-based capital ratio | 17.1775% | 2,596 |
| Total risk-based capital ratio | 18.4261% | 2,562 |
| Memoranda: | ||
| Average total assets | $132,364,330 | 4,152 |
| Average earning assets | $122,735,670 | 4,106 |
| Average equity | $18,417,670 | 3,440 |
| Average total loans | $106,984,000 | 3,402 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1404% | 1,461 |
| Cost of funding earning assets | 1.0019% | 1,973 |
| Net interest margin | 4.1385% | 1,970 |
| Noninterest income to average assets | 0.1400% | 6,543 |
| Noninterest expense to average assets | 2.4586% | 5,293 |
| Loan and lease loss provision to assets | 0.1887% | 3,073 |
| Net operating income to assets | 0.8185% | 3,305 |
| Return on assets (ROA) | 0.8185% | 3,534 |
| Pretax return on assets | 1.3388% | 2,393 |
| Return on Equity (ROE) | 5.9906% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.7456% | 3,117 |
| Net charge-offs to loans | 0.1315% | 3,317 |
| Credit loss provision to net charge-offs | 177.1429% | 1,447 |
| Earnings coverage of net charge-offs (x) | 14.3429% | 1,476 |
| Efficiency ratio | 61.6794% | 5,334 |
| Assets per employee ($millions) | 5.4995% | 1,693 |
| Cash dividends to net income (ytd only)* | 4.0892% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 3,424 |
| Loan loss allowance to noncurrent loans | 129.2790% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 1.0402% | 4,412 |
| Noncurrent loans to loans | 1.3006% | 4,168 |
| Net loans and leases to total assets | 78.6361% | 531 |
| Net loans and leases to deposits | 95.5472% | 571 |
| Net loans and leases to core deposits | 102.1253% | 859 |
| Total domestic deposits to total assets | 82.3008% | 5,199 |
| Equity capital to assets | 13.7208% | 1,132 |
| Core capital (leverage) ratio | 13.3119% | 1,020 |
| Tier 1 risk-based capital ratio | 15.9404% | 3,204 |
| Total risk-based capital ratio | 17.1476% | 3,194 |
| Memoranda: | ||
| Average total assets | $131,459,500 | 4,204 |
| Average earning assets | $122,170,500 | 4,146 |
| Average equity | $17,961,500 | 3,506 |
| Average total loans | $106,480,500 | 3,443 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1039% | 2,438 |
| Cost of funding earning assets | 1.1605% | 2,279 |
| Net interest margin | 3.9434% | 3,144 |
| Noninterest income to average assets | 0.1601% | 6,346 |
| Noninterest expense to average assets | 2.4090% | 5,749 |
| Loan and lease loss provision to assets | 0.4913% | 2,151 |
| Net operating income to assets | 1.4280% | 971 |
| Return on assets (ROA) | 1.4469% | 1,011 |
| Pretax return on assets | 0.9336% | 3,498 |
| Return on Equity (ROE) | 13.0336% | 1,158 |
| Retained earnings to average equity (ytd only) | 12.9910% | 226 |
| Net charge-offs to loans | 0.0666% | 5,641 |
| Credit loss provision to net charge-offs | 929.8507% | 245 |
| Earnings coverage of net charge-offs (x) | 26.6119% | 934 |
| Efficiency ratio | 63.1459% | 5,272 |
| Assets per employee ($millions) | 5.9514% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.3270% | 4,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 3,453 |
| Loan loss allowance to noncurrent loans | 117.2460% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 1.1426% | 4,331 |
| Noncurrent loans to loans | 1.3930% | 4,058 |
| Net loans and leases to total assets | 80.6851% | 428 |
| Net loans and leases to deposits | 95.4826% | 708 |
| Net loans and leases to core deposits | 102.6588% | 984 |
| Total domestic deposits to total assets | 84.5024% | 4,096 |
| Equity capital to assets | 13.6050% | 1,220 |
| Core capital (leverage) ratio | 13.1350% | 1,092 |
| Tier 1 risk-based capital ratio | 15.8291% | 3,146 |
| Total risk-based capital ratio | 17.0684% | 3,109 |
| Memoranda: | ||
| Average total assets | $126,818,600 | 4,233 |
| Average earning assets | $117,538,000 | 4,194 |
| Average equity | $14,079,000 | 4,092 |
| Average total loans | $100,650,400 | 3,600 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0918% | 2,640 |
| Cost of funding earning assets | 1.1945% | 2,351 |
| Net interest margin | 3.8973% | 3,394 |
| Noninterest income to average assets | 0.1643% | 6,422 |
| Noninterest expense to average assets | 2.4432% | 5,652 |
| Loan and lease loss provision to assets | 0.4854% | 2,047 |
| Net operating income to assets | 1.5952% | 784 |
| Return on assets (ROA) | 1.6217% | 819 |
| Pretax return on assets | 0.8691% | 3,883 |
| Return on Equity (ROE) | 15.5182% | 744 |
| Retained earnings to average equity (ytd only) | 15.5182% | 199 |
| Net charge-offs to loans | 0.0889% | 5,083 |
| Credit loss provision to net charge-offs | 693.9394% | 388 |
| Earnings coverage of net charge-offs (x) | 18.9843% | 1,276 |
| Efficiency ratio | 64.7836% | 4,936 |
| Assets per employee ($millions) | 5.9462% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 3,895 |
| Loan loss allowance to noncurrent loans | 107.7966% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.1275% | 4,525 |
| Noncurrent loans to loans | 1.4361% | 4,136 |
| Net loans and leases to total assets | 77.2988% | 803 |
| Net loans and leases to deposits | 90.5898% | 1,146 |
| Net loans and leases to core deposits | 97.0758% | 1,502 |
| Total domestic deposits to total assets | 85.3284% | 3,599 |
| Equity capital to assets | 13.4027% | 1,411 |
| Core capital (leverage) ratio | 12.9510% | 1,246 |
| Tier 1 risk-based capital ratio | 16.1018% | 3,063 |
| Total risk-based capital ratio | 17.3639% | 3,024 |
| Memoranda: | ||
| Average total assets | $125,790,750 | 4,280 |
| Average earning assets | $116,419,500 | 4,240 |
| Average equity | $13,145,500 | 4,316 |
| Average total loans | $98,964,250 | 3,670 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1206% | 2,586 |
| Cost of funding earning assets | 1.2214% | 2,431 |
| Net interest margin | 3.8993% | 3,310 |
| Noninterest income to average assets | 0.1740% | 6,417 |
| Noninterest expense to average assets | 2.5557% | 5,336 |
| Loan and lease loss provision to assets | 0.4415% | 2,230 |
| Net operating income to assets | 1.5502% | 807 |
| Return on assets (ROA) | 1.5502% | 858 |
| Pretax return on assets | 0.7831% | 4,089 |
| Return on Equity (ROE) | 16.4684% | 615 |
| Retained earnings to average equity (ytd only) | 16.4684% | 187 |
| Net charge-offs to loans | -0.0041% | 6,567 |
| Credit loss provision to net charge-offs | -13,700.0000% | 6,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6044% | 4,587 |
| Assets per employee ($millions) | 5.8002% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 4,188 |
| Loan loss allowance to noncurrent loans | 126.5236% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 5,041 |
| Noncurrent loans to loans | 1.1760% | 4,686 |
| Net loans and leases to total assets | 76.4780% | 1,008 |
| Net loans and leases to deposits | 87.3717% | 1,595 |
| Net loans and leases to core deposits | 92.2819% | 2,091 |
| Total domestic deposits to total assets | 87.5317% | 2,451 |
| Equity capital to assets | 9.6462% | 4,601 |
| Core capital (leverage) ratio | 9.6674% | 3,711 |
| Tier 1 risk-based capital ratio | 11.7354% | 5,985 |
| Total risk-based capital ratio | 12.9971% | 5,978 |
| Memoranda: | ||
| Average total assets | $124,115,330 | 4,342 |
| Average earning assets | $114,791,000 | 4,309 |
| Average equity | $11,683,000 | 4,645 |
| Average total loans | $97,715,670 | 3,747 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1280% | 2,523 |
| Cost of funding earning assets | 1.2590% | 2,440 |
| Net interest margin | 3.8690% | 3,305 |
| Noninterest income to average assets | 0.1275% | 6,783 |
| Noninterest expense to average assets | 2.5169% | 5,498 |
| Loan and lease loss provision to assets | 0.5393% | 1,606 |
| Net operating income to assets | 1.4317% | 1,015 |
| Return on assets (ROA) | 1.4317% | 1,050 |
| Pretax return on assets | 0.6472% | 4,502 |
| Return on Equity (ROE) | 15.4090% | 756 |
| Retained earnings to average equity (ytd only) | 15.4090% | 357 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9612% | 4,657 |
| Assets per employee ($millions) | 5.6635% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 4,763 |
| Loan loss allowance to noncurrent loans | 122.2422% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.8949% | 5,115 |
| Noncurrent loans to loans | 1.1293% | 4,817 |
| Net loans and leases to total assets | 78.1488% | 710 |
| Net loans and leases to deposits | 92.1603% | 1,002 |
| Net loans and leases to core deposits | 97.0469% | 1,589 |
| Total domestic deposits to total assets | 84.7966% | 4,128 |
| Equity capital to assets | 9.3100% | 4,708 |
| Core capital (leverage) ratio | 9.5777% | 3,691 |
| Tier 1 risk-based capital ratio | 11.3069% | 6,248 |
| Total risk-based capital ratio | 12.5581% | 6,232 |
| Memoranda: | ||
| Average total assets | $122,371,000 | 4,407 |
| Average earning assets | $113,105,000 | 4,376 |
| Average equity | $11,370,000 | 4,702 |
| Average total loans | $97,042,000 | 3,811 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1603% | 3,802 |
| Cost of funding earning assets | 1.6125% | 1,998 |
| Net interest margin | 3.5478% | 5,048 |
| Noninterest income to average assets | 0.1838% | 6,443 |
| Noninterest expense to average assets | 2.5510% | 5,610 |
| Loan and lease loss provision to assets | 0.7700% | 2,128 |
| Net operating income to assets | 0.4711% | 4,225 |
| Return on assets (ROA) | 0.5577% | 4,015 |
| Pretax return on assets | 0.2141% | 5,458 |
| Return on Equity (ROE) | 5.9245% | 3,644 |
| Retained earnings to average equity (ytd only) | 5.9245% | 1,861 |
| Net charge-offs to loans | 0.7349% | 2,817 |
| Credit loss provision to net charge-offs | 135.6918% | 2,855 |
| Earnings coverage of net charge-offs (x) | 1.5818% | 4,551 |
| Efficiency ratio | 73.9715% | 3,402 |
| Assets per employee ($millions) | 5.4611% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 5,219 |
| Loan loss allowance to noncurrent loans | 106.6785% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9347% | 5,144 |
| Noncurrent loans to loans | 1.1778% | 4,751 |
| Net loans and leases to total assets | 78.3653% | 888 |
| Net loans and leases to deposits | 92.0631% | 1,262 |
| Net loans and leases to core deposits | 96.4395% | 1,952 |
| Total domestic deposits to total assets | 85.1213% | 3,787 |
| Equity capital to assets | 9.2721% | 4,718 |
| Core capital (leverage) ratio | 9.5596% | 3,630 |
| Tier 1 risk-based capital ratio | 11.3785% | 6,015 |
| Total risk-based capital ratio | 12.5840% | 6,052 |
| Memoranda: | ||
| Average total assets | $112,074,000 | 4,656 |
| Average earning assets | $103,133,800 | 4,635 |
| Average equity | $10,549,400 | 4,975 |
| Average total loans | $86,548,000 | 4,141 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1117% | 4,259 |
| Cost of funding earning assets | 1.6546% | 2,078 |
| Net interest margin | 3.4570% | 5,464 |
| Noninterest income to average assets | 0.1732% | 6,639 |
| Noninterest expense to average assets | 2.5538% | 5,494 |
| Loan and lease loss provision to assets | 0.6057% | 2,516 |
| Net operating income to assets | 0.6033% | 3,867 |
| Return on assets (ROA) | 0.6033% | 4,022 |
| Pretax return on assets | 0.1878% | 5,758 |
| Return on Equity (ROE) | 6.3833% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.3833% | 2,149 |
| Net charge-offs to loans | 0.4568% | 3,468 |
| Credit loss provision to net charge-offs | 173.0104% | 2,127 |
| Earnings coverage of net charge-offs (x) | 2.2665% | 4,037 |
| Efficiency ratio | 76.2939% | 2,890 |
| Assets per employee ($millions) | 5.5477% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 4,870 |
| Loan loss allowance to noncurrent loans | 80.0948% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.2678% | 4,610 |
| Noncurrent loans to loans | 1.6421% | 4,183 |
| Net loans and leases to total assets | 76.1916% | 1,367 |
| Net loans and leases to deposits | 86.9000% | 2,164 |
| Net loans and leases to core deposits | 91.0792% | 2,942 |
| Total domestic deposits to total assets | 87.6774% | 2,170 |
| Equity capital to assets | 9.7785% | 4,444 |
| Core capital (leverage) ratio | 9.5798% | 3,796 |
| Tier 1 risk-based capital ratio | 11.6308% | 5,807 |
| Total risk-based capital ratio | 12.8613% | 5,810 |
| Memoranda: | ||
| Average total assets | $110,056,250 | 4,764 |
| Average earning assets | $101,047,500 | 4,757 |
| Average equity | $10,401,750 | 5,086 |
| Average total loans | $84,347,500 | 4,273 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0447% | 4,726 |
| Cost of funding earning assets | 1.6863% | 2,188 |
| Net interest margin | 3.3584% | 5,808 |
| Noninterest income to average assets | 0.1816% | 6,612 |
| Noninterest expense to average assets | 2.5207% | 5,643 |
| Loan and lease loss provision to assets | 0.5356% | 2,640 |
| Net operating income to assets | 0.7062% | 3,377 |
| Return on assets (ROA) | 0.7062% | 3,530 |
| Pretax return on assets | 0.2076% | 5,755 |
| Return on Equity (ROE) | 7.5658% | 3,083 |
| Retained earnings to average equity (ytd only) | 7.5658% | 1,617 |
| Net charge-offs to loans | 0.0412% | 5,799 |
| Credit loss provision to net charge-offs | 1,700.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 23.5882% | 1,098 |
| Efficiency ratio | 77.2288% | 2,855 |
| Assets per employee ($millions) | 5.2584% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 4,178 |
| Loan loss allowance to noncurrent loans | 67.3160% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.5974% | 4,049 |
| Noncurrent loans to loans | 2.1537% | 3,522 |
| Net loans and leases to total assets | 73.0968% | 2,142 |
| Net loans and leases to deposits | 83.4043% | 2,990 |
| Net loans and leases to core deposits | 86.5332% | 3,758 |
| Total domestic deposits to total assets | 87.6414% | 2,186 |
| Equity capital to assets | 9.6832% | 4,424 |
| Core capital (leverage) ratio | 10.0884% | 3,080 |
| Tier 1 risk-based capital ratio | 12.1610% | 5,163 |
| Total risk-based capital ratio | 13.4229% | 5,126 |
| Memoranda: | ||
| Average total assets | $107,908,000 | 4,862 |
| Average earning assets | $99,034,330 | 4,841 |
| Average equity | $10,071,670 | 5,173 |
| Average total loans | $82,481,000 | 4,368 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0818% | 4,622 |
| Cost of funding earning assets | 1.7497% | 2,127 |
| Net interest margin | 3.3320% | 5,852 |
| Noninterest income to average assets | 0.1961% | 6,557 |
| Noninterest expense to average assets | 2.4880% | 5,774 |
| Loan and lease loss provision to assets | 0.3999% | 2,976 |
| Net operating income to assets | 0.3499% | 5,079 |
| Return on assets (ROA) | 0.3499% | 5,199 |
| Pretax return on assets | 0.3692% | 5,385 |
| Return on Equity (ROE) | 3.8290% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.8290% | 3,840 |
| Net charge-offs to loans | 0.0990% | 4,431 |
| Credit loss provision to net charge-offs | 520.0000% | 811 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,792 |
| Efficiency ratio | 76.3872% | 3,152 |
| Assets per employee ($millions) | 5.9462% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 4,991 |
| Loan loss allowance to noncurrent loans | 69.8413% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.4127% | 4,392 |
| Noncurrent loans to loans | 1.8458% | 3,996 |
| Net loans and leases to total assets | 75.5463% | 1,634 |
| Net loans and leases to deposits | 86.8498% | 2,437 |
| Net loans and leases to core deposits | 90.1206% | 3,351 |
| Total domestic deposits to total assets | 86.9851% | 2,635 |
| Equity capital to assets | 8.9432% | 5,361 |
| Core capital (leverage) ratio | 9.3132% | 4,029 |
| Tier 1 risk-based capital ratio | 11.2364% | 5,915 |
| Total risk-based capital ratio | 12.4758% | 5,884 |
| Memoranda: | ||
| Average total assets | $104,019,500 | 5,031 |
| Average earning assets | $95,557,000 | 5,006 |
| Average equity | $9,506,500 | 5,379 |
| Average total loans | $80,818,500 | 4,480 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3357% | 5,002 |
| Cost of funding earning assets | 2.3042% | 1,639 |
| Net interest margin | 3.0315% | 6,559 |
| Noninterest income to average assets | 0.1940% | 6,714 |
| Noninterest expense to average assets | 2.9008% | 4,528 |
| Loan and lease loss provision to assets | 0.6899% | 3,068 |
| Net operating income to assets | -0.6405% | 6,306 |
| Return on assets (ROA) | -0.6405% | 6,306 |
| Pretax return on assets | -0.6405% | 6,133 |
| Return on Equity (ROE) | -5.7818% | 6,282 |
| Retained earnings to average equity (ytd only) | -5.7818% | 6,116 |
| Net charge-offs to loans | 0.3501% | 4,478 |
| Credit loss provision to net charge-offs | 254.6610% | 1,384 |
| Earnings coverage of net charge-offs (x) | 0.1822% | 5,968 |
| Efficiency ratio | 98.3268% | 1,192 |
| Assets per employee ($millions) | 5.6116% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 5,243 |
| Loan loss allowance to noncurrent loans | 92.5714% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 1.0395% | 5,022 |
| Noncurrent loans to loans | 1.3171% | 4,722 |
| Net loans and leases to total assets | 77.9651% | 1,397 |
| Net loans and leases to deposits | 90.7155% | 2,098 |
| Net loans and leases to core deposits | 140.7122% | 783 |
| Total domestic deposits to total assets | 85.9447% | 3,047 |
| Equity capital to assets | 9.3468% | 4,635 |
| Core capital (leverage) ratio | 9.5655% | 3,644 |
| Tier 1 risk-based capital ratio | 11.3999% | 5,511 |
| Total risk-based capital ratio | 12.5684% | 5,538 |
| Memoranda: | ||
| Average total assets | $87,113,800 | 5,482 |
| Average earning assets | $79,202,800 | 5,482 |
| Average equity | $9,651,000 | 5,399 |
| Average total loans | $67,409,800 | 4,965 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2939% | 5,454 |
| Cost of funding earning assets | 2.4371% | 1,499 |
| Net interest margin | 2.8568% | 6,949 |
| Noninterest income to average assets | 0.1993% | 6,792 |
| Noninterest expense to average assets | 3.0830% | 3,706 |
| Loan and lease loss provision to assets | 0.6870% | 2,678 |
| Net operating income to assets | -0.9772% | 6,814 |
| Return on assets (ROA) | -0.9772% | 6,821 |
| Pretax return on assets | -0.9772% | 6,666 |
| Return on Equity (ROE) | -8.4228% | 6,765 |
| Retained earnings to average equity (ytd only) | -8.4228% | 6,651 |
| Net charge-offs to loans | 0.3751% | 3,771 |
| Credit loss provision to net charge-offs | 238.1215% | 1,836 |
| Earnings coverage of net charge-offs (x) | -1.0055% | 6,630 |
| Efficiency ratio | 110.3881% | 763 |
| Assets per employee ($millions) | 5.8584% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 5,305 |
| Loan loss allowance to noncurrent loans | 7,800.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 7,565 |
| Noncurrent loans to loans | 0.0150% | 7,491 |
| Net loans and leases to total assets | 72.8505% | 2,835 |
| Net loans and leases to deposits | 85.7683% | 3,363 |
| Net loans and leases to core deposits | 133.0143% | 1,266 |
| Total domestic deposits to total assets | 84.9387% | 3,269 |
| Equity capital to assets | 9.4997% | 4,745 |
| Core capital (leverage) ratio | 9.9358% | 3,359 |
| Tier 1 risk-based capital ratio | 12.0466% | 4,932 |
| Total risk-based capital ratio | 13.1436% | 5,005 |
| Memoranda: | ||
| Average total assets | $83,640,250 | 5,632 |
| Average earning assets | $75,934,250 | 5,630 |
| Average equity | $9,703,500 | 5,428 |
| Average total loans | $64,331,500 | 5,126 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2815% | 5,740 |
| Cost of funding earning assets | 2.5814% | 1,341 |
| Net interest margin | 2.7001% | 7,196 |
| Noninterest income to average assets | 0.1864% | 6,964 |
| Noninterest expense to average assets | 3.2200% | 3,272 |
| Loan and lease loss provision to assets | 0.6154% | 2,593 |
| Net operating income to assets | -1.2104% | 7,116 |
| Return on assets (ROA) | -1.2104% | 7,123 |
| Pretax return on assets | -1.2104% | 6,947 |
| Return on Equity (ROE) | -9.6890% | 7,011 |
| Retained earnings to average equity (ytd only) | -9.6890% | 6,845 |
| Net charge-offs to loans | 0.2447% | 3,970 |
| Credit loss provision to net charge-offs | 321.3333% | 1,452 |
| Earnings coverage of net charge-offs (x) | -3.1067% | 6,407 |
| Efficiency ratio | 122.6654% | 621 |
| Assets per employee ($millions) | 4.7869% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 5,397 |
| Loan loss allowance to noncurrent loans | 649.5798% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 7,232 |
| Noncurrent loans to loans | 0.1737% | 7,086 |
| Net loans and leases to total assets | 74.4720% | 2,576 |
| Net loans and leases to deposits | 89.7982% | 2,866 |
| Net loans and leases to core deposits | 130.5646% | 1,517 |
| Total domestic deposits to total assets | 82.9326% | 4,273 |
| Equity capital to assets | 10.4485% | 3,470 |
| Core capital (leverage) ratio | 11.5646% | 2,053 |
| Tier 1 risk-based capital ratio | 12.6493% | 4,395 |
| Total risk-based capital ratio | 13.6718% | 4,507 |
| Memoranda: | ||
| Average total assets | $78,322,670 | 5,850 |
| Average earning assets | $70,737,670 | 5,859 |
| Average equity | $9,784,330 | 5,425 |
| Average total loans | $61,304,670 | 5,280 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4011% | 5,422 |
| Cost of funding earning assets | 2.7099% | 1,242 |
| Net interest margin | 2.6913% | 7,223 |
| Noninterest income to average assets | 0.1500% | 7,227 |
| Noninterest expense to average assets | 3.3329% | 2,556 |
| Loan and lease loss provision to assets | 0.5222% | 2,379 |
| Net operating income to assets | -1.2887% | 7,410 |
| Return on assets (ROA) | -1.2887% | 7,425 |
| Pretax return on assets | -1.2887% | 7,296 |
| Return on Equity (ROE) | -9.3501% | 7,321 |
| Retained earnings to average equity (ytd only) | -9.3501% | 7,043 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.8701% | 505 |
| Assets per employee ($millions) | 3.9467% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 4,966 |
| Loan loss allowance to noncurrent loans | 389.4444% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 6,795 |
| Noncurrent loans to loans | 0.3015% | 6,684 |
| Net loans and leases to total assets | 78.6819% | 1,646 |
| Net loans and leases to deposits | 91.6536% | 2,657 |
| Net loans and leases to core deposits | 140.7289% | 1,070 |
| Total domestic deposits to total assets | 85.8471% | 2,795 |
| Equity capital to assets | 13.0768% | 1,710 |
| Core capital (leverage) ratio | 14.0441% | 1,184 |
| Tier 1 risk-based capital ratio | 15.5143% | 2,848 |
| Total risk-based capital ratio | 16.6234% | 2,839 |
| Memoranda: | ||
| Average total assets | $72,008,500 | 6,066 |
| Average earning assets | $64,653,000 | 6,081 |
| Average equity | $9,925,000 | 5,408 |
| Average total loans | $57,704,000 | 5,465 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8490% | 6,268 |
| Cost of funding earning assets | 2.7749% | 2,807 |
| Net interest margin | 3.0741% | 6,726 |
| Noninterest income to average assets | 0.1738% | 7,185 |
| Noninterest expense to average assets | 5.0476% | 606 |
| Loan and lease loss provision to assets | 0.5454% | 2,638 |
| Net operating income to assets | -2.6976% | 7,762 |
| Return on assets (ROA) | -2.6976% | 7,733 |
| Pretax return on assets | -2.6976% | 7,641 |
| Return on Equity (ROE) | -14.4474% | 7,563 |
| Retained earnings to average equity (ytd only) | -14.4474% | 7,425 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 174.3316% | 269 |
| Assets per employee ($millions) | 3.6331% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 5,352 |
| Loan loss allowance to noncurrent loans | 337.2222% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 6,535 |
| Noncurrent loans to loans | 0.3231% | 6,404 |
| Net loans and leases to total assets | 79.8186% | 1,702 |
| Net loans and leases to deposits | 99.0526% | 1,978 |
| Net loans and leases to core deposits | 147.1281% | 971 |
| Total domestic deposits to total assets | 80.5821% | 4,811 |
| Equity capital to assets | 14.5504% | 1,282 |
| Core capital (leverage) ratio | 15.5240% | 918 |
| Tier 1 risk-based capital ratio | 16.8889% | 2,345 |
| Total risk-based capital ratio | 17.9096% | 2,367 |
| Memoranda: | ||
| Average total assets | $58,126,600 | 6,447 |
| Average earning assets | $51,462,200 | 6,529 |
| Average equity | $10,853,200 | 5,169 |
| Average total loans | $42,019,000 | 6,073 |