Home > Community Bank of Raymore > Performance and Condition Ratios
Community Bank of Raymore, 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 | 4.0917% | 3,823 |
| Cost of funding earning assets | 1.4595% | 2,050 |
| Net interest margin | 2.6322% | 3,926 |
| Noninterest income to average assets | 1.6500% | 340 |
| Noninterest expense to average assets | 2.5963% | 2,018 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.5530% | 933 |
| Return on assets (ROA) | 1.5576% | 892 |
| Pretax return on assets | 1.5576% | 1,313 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.5042% | 201 |
| Credit loss provision to net charge-offs | 6.5844% | 2,340 |
| Earnings coverage of net charge-offs (x) | 10.9877% | 2,214 |
| Efficiency ratio | 61.9319% | 2,839 |
| Assets per employee ($millions) | 7.7778% | 1,551 |
| Cash dividends to net income (ytd only)* | 60.1052% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 2,275 |
| Loan loss allowance to noncurrent loans | 507.3171% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 3,065 |
| Noncurrent loans to loans | 0.2374% | 2,359 |
| Net loans and leases to total assets | 30.6000% | 4,278 |
| Net loans and leases to deposits | 30.6904% | 4,351 |
| Net loans and leases to core deposits | 31.4180% | 4,384 |
| Total domestic deposits to total assets | 99.7200% | 20 |
| Equity capital to assets | -0.3956% | 4,604 |
| Core capital (leverage) ratio | 9.0989% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1268% | 772 |
| Memoranda: | ||
| Average total assets | $341,798,600 | 2,224 |
| Average earning assets | $325,582,600 | 2,191 |
| Average equity | $-4,364,200 | 4,587 |
| Average total loans | $96,385,400 | 3,215 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 3,701 |
| Cost of funding earning assets | 1.4415% | 1,762 |
| Net interest margin | 2.6317% | 3,980 |
| Noninterest income to average assets | 1.6600% | 352 |
| Noninterest expense to average assets | 2.5037% | 2,222 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.6591% | 849 |
| Return on assets (ROA) | 1.6653% | 837 |
| Pretax return on assets | 1.6653% | 1,227 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.4102% | 206 |
| Credit loss provision to net charge-offs | 4.8110% | 2,044 |
| Earnings coverage of net charge-offs (x) | 14.7423% | 1,987 |
| Efficiency ratio | 59.5737% | 3,015 |
| Assets per employee ($millions) | 6.8717% | 2,056 |
| Cash dividends to net income (ytd only)* | 55.9180% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 1,307 |
| Loan loss allowance to noncurrent loans | 828.4884% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 3,270 |
| Noncurrent loans to loans | 0.1732% | 2,674 |
| Net loans and leases to total assets | 30.3100% | 4,308 |
| Net loans and leases to deposits | 29.7245% | 4,381 |
| Net loans and leases to core deposits | 29.7894% | 4,383 |
| Total domestic deposits to total assets | 101.9500% | 21 |
| Equity capital to assets | -2.6489% | 4,630 |
| Core capital (leverage) ratio | 8.7762% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4468% | 765 |
| Memoranda: | ||
| Average total assets | $343,637,000 | 2,225 |
| Average earning assets | $327,233,750 | 2,195 |
| Average equity | $-5,124,500 | 4,616 |
| Average total loans | $94,580,750 | 3,236 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,654 |
| Cost of funding earning assets | 1.4488% | 1,340 |
| Net interest margin | 2.5673% | 4,142 |
| Noninterest income to average assets | 1.6700% | 291 |
| Noninterest expense to average assets | 2.3582% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7545% | 708 |
| Return on assets (ROA) | 1.7636% | 702 |
| Pretax return on assets | 1.7636% | 1,088 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 0.1570% | 498 |
| Credit loss provision to net charge-offs | 8.2192% | 1,802 |
| Earnings coverage of net charge-offs (x) | 42.2055% | 1,376 |
| Efficiency ratio | 56.7923% | 3,322 |
| Assets per employee ($millions) | 7.5131% | 1,602 |
| Cash dividends to net income (ytd only)* | 51.7632% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8930% | 505 |
| Loan loss allowance to noncurrent loans | 2,096.1538% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 3,564 |
| Noncurrent loans to loans | 0.0903% | 3,054 |
| Net loans and leases to total assets | 25.6300% | 4,400 |
| Net loans and leases to deposits | 25.4998% | 4,443 |
| Net loans and leases to core deposits | 25.7142% | 4,445 |
| Total domestic deposits to total assets | 100.5200% | 21 |
| Equity capital to assets | -1.1589% | 4,659 |
| Core capital (leverage) ratio | 8.2680% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8943% | 644 |
| Memoranda: | ||
| Average total assets | $350,526,333 | 2,204 |
| Average earning assets | $334,198,333 | 2,168 |
| Average equity | $-3,981,000 | 4,645 |
| Average total loans | $93,007,333 | 3,253 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 3,641 |
| Cost of funding earning assets | 1.4544% | 932 |
| Net interest margin | 2.4614% | 4,342 |
| Noninterest income to average assets | 1.7400% | 280 |
| Noninterest expense to average assets | 2.2768% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8175% | 649 |
| Return on assets (ROA) | 1.8175% | 636 |
| Pretax return on assets | 1.8175% | 1,040 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | 0.0291% | 1,119 |
| Credit loss provision to net charge-offs | 14.2857% | 1,389 |
| Earnings coverage of net charge-offs (x) | 234.1429% | 454 |
| Efficiency ratio | 55.1070% | 3,496 |
| Assets per employee ($millions) | 8.0713% | 1,302 |
| Cash dividends to net income (ytd only)* | 48.8400% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 716 |
| Loan loss allowance to noncurrent loans | 4,988.2353% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 3,779 |
| Noncurrent loans to loans | 0.0352% | 3,493 |
| Net loans and leases to total assets | 26.1100% | 4,446 |
| Net loans and leases to deposits | 26.0492% | 4,497 |
| Net loans and leases to core deposits | 26.2473% | 4,494 |
| Total domestic deposits to total assets | 100.2500% | 3 |
| Equity capital to assets | -0.8304% | 4,687 |
| Core capital (leverage) ratio | 7.5173% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0291% | 841 |
| Memoranda: | ||
| Average total assets | $360,502,000 | 2,196 |
| Average earning assets | $345,166,000 | 2,145 |
| Average equity | $-4,056,000 | 4,669 |
| Average total loans | $96,324,500 | 3,250 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7506% | 4,368 |
| Cost of funding earning assets | 0.3980% | 2,124 |
| Net interest margin | 2.3526% | 4,390 |
| Noninterest income to average assets | 1.4600% | 354 |
| Noninterest expense to average assets | 1.9361% | 3,756 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.7853% | 459 |
| Return on assets (ROA) | 1.7853% | 440 |
| Pretax return on assets | 1.7853% | 763 |
| Return on Equity (ROE) | 263.4700% | 3 |
| Retained earnings to average equity (ytd only) | 145.3720% | 2 |
| Net charge-offs to loans | 0.0029% | 2,391 |
| Credit loss provision to net charge-offs | 933.3333% | 453 |
| Earnings coverage of net charge-offs (x) | 2,389.0000% | 69 |
| Efficiency ratio | 51.4521% | 4,032 |
| Assets per employee ($millions) | 7.9510% | 1,342 |
| Cash dividends to net income (ytd only)* | 44.8242% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9531% | 475 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 26.3300% | 4,471 |
| Net loans and leases to deposits | 26.1013% | 4,523 |
| Net loans and leases to core deposits | 26.2998% | 4,526 |
| Total domestic deposits to total assets | 100.8900% | 8 |
| Equity capital to assets | -1.4243% | 4,717 |
| Core capital (leverage) ratio | 7.4395% | 4,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8235% | 1,006 |
| Memoranda: | ||
| Average total assets | $399,885,200 | 2,030 |
| Average earning assets | $384,900,000 | 1,964 |
| Average equity | $2,709,600 | 4,632 |
| Average total loans | $104,983,200 | 3,085 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4975% | 4,444 |
| Cost of funding earning assets | 0.2261% | 2,974 |
| Net interest margin | 2.2714% | 4,425 |
| Noninterest income to average assets | 1.4400% | 371 |
| Noninterest expense to average assets | 1.8190% | 3,945 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.8011% | 431 |
| Return on assets (ROA) | 1.8011% | 419 |
| Pretax return on assets | 1.8011% | 731 |
| Return on Equity (ROE) | 158.5900% | 2 |
| Retained earnings to average equity (ytd only) | 89.9355% | 1 |
| Net charge-offs to loans | -0.0012% | 3,204 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.6998% | 4,179 |
| Assets per employee ($millions) | 8.1503% | 1,247 |
| Cash dividends to net income (ytd only)* | 43.2900% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 689 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 27.9100% | 4,464 |
| Net loans and leases to deposits | 27.4968% | 4,544 |
| Net loans and leases to core deposits | 28.2920% | 4,531 |
| Total domestic deposits to total assets | 101.5000% | 8 |
| Equity capital to assets | -2.0610% | 4,754 |
| Core capital (leverage) ratio | 6.4401% | 4,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9895% | 1,179 |
| Memoranda: | ||
| Average total assets | $410,407,250 | 2,003 |
| Average earning assets | $395,699,750 | 1,945 |
| Average equity | $4,661,000 | 4,509 |
| Average total loans | $107,203,500 | 3,068 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2271% | 4,554 |
| Cost of funding earning assets | 0.1127% | 4,049 |
| Net interest margin | 2.1143% | 4,507 |
| Noninterest income to average assets | 1.4086% | 366 |
| Noninterest expense to average assets | 1.6840% | 4,163 |
| Loan and lease loss provision to assets | 0.0047% | 2,525 |
| Net operating income to assets | 1.7635% | 367 |
| Return on assets (ROA) | 1.7635% | 360 |
| Pretax return on assets | 1.7635% | 649 |
| Return on Equity (ROE) | 86.9061% | 6 |
| Retained earnings to average equity (ytd only) | 50.0326% | 5 |
| Net charge-offs to loans | -0.0055% | 3,376 |
| Credit loss provision to net charge-offs | -333.3333% | 3,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3067% | 4,334 |
| Assets per employee ($millions) | 9.3055% | 803 |
| Cash dividends to net income (ytd only)* | 42.4291% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7425% | 884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 24.0463% | 4,594 |
| Net loans and leases to deposits | 23.8450% | 4,645 |
| Net loans and leases to core deposits | 24.5820% | 4,638 |
| Total domestic deposits to total assets | 100.8439% | 3 |
| Equity capital to assets | -1.2717% | 4,767 |
| Core capital (leverage) ratio | 6.3852% | 4,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3824% | 1,329 |
| Memoranda: | ||
| Average total assets | $427,672,000 | 1,948 |
| Average earning assets | $413,370,333 | 1,902 |
| Average equity | $8,678,333 | 4,132 |
| Average total loans | $108,951,333 | 3,077 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1027% | 4,578 |
| Cost of funding earning assets | 0.0793% | 4,366 |
| Net interest margin | 2.0234% | 4,495 |
| Noninterest income to average assets | 1.3944% | 391 |
| Noninterest expense to average assets | 1.6650% | 4,188 |
| Loan and lease loss provision to assets | 0.0028% | 2,249 |
| Net operating income to assets | 1.6811% | 426 |
| Return on assets (ROA) | 1.6811% | 428 |
| Pretax return on assets | 1.6811% | 708 |
| Return on Equity (ROE) | 44.9916% | 22 |
| Retained earnings to average equity (ytd only) | 44.9916% | 14 |
| Net charge-offs to loans | -0.0036% | 3,249 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2090% | 4,350 |
| Assets per employee ($millions) | 9.7163% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 1,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 25.0989% | 4,591 |
| Net loans and leases to deposits | 25.8022% | 4,643 |
| Net loans and leases to core deposits | 26.6668% | 4,643 |
| Total domestic deposits to total assets | 97.2743% | 2 |
| Equity capital to assets | 2.3066% | 4,795 |
| Core capital (leverage) ratio | 6.3701% | 4,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1102% | 1,479 |
| Memoranda: | ||
| Average total assets | $422,829,500 | 1,971 |
| Average earning assets | $408,427,500 | 1,922 |
| Average equity | $15,798,500 | 3,488 |
| Average total loans | $109,910,500 | 3,064 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4680% | 4,507 |
| Cost of funding earning assets | 0.0819% | 4,519 |
| Net interest margin | 2.3861% | 4,338 |
| Noninterest income to average assets | 1.3755% | 578 |
| Noninterest expense to average assets | 2.3654% | 2,599 |
| Loan and lease loss provision to assets | 0.0038% | 2,999 |
| Net operating income to assets | 1.3001% | 1,598 |
| Return on assets (ROA) | 1.3299% | 1,555 |
| Pretax return on assets | 1.3299% | 2,265 |
| Return on Equity (ROE) | 21.4018% | 244 |
| Retained earnings to average equity (ytd only) | 7.1203% | 1,875 |
| Net charge-offs to loans | -0.0062% | 3,604 |
| Credit loss provision to net charge-offs | -187.5000% | 3,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9708% | 2,568 |
| Assets per employee ($millions) | 9.7243% | 721 |
| Cash dividends to net income (ytd only)* | 66.7305% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 1,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 26.0224% | 4,625 |
| Net loans and leases to deposits | 27.5670% | 4,664 |
| Net loans and leases to core deposits | 28.5213% | 4,667 |
| Total domestic deposits to total assets | 94.3971% | 8 |
| Equity capital to assets | 5.1982% | 4,831 |
| Core capital (leverage) ratio | 6.1013% | 4,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9036% | 1,887 |
| Memoranda: | ||
| Average total assets | $392,577,400 | 2,017 |
| Average earning assets | $377,386,600 | 1,981 |
| Average equity | $24,395,200 | 2,888 |
| Average total loans | $128,449,600 | 2,872 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5908% | 4,507 |
| Cost of funding earning assets | 0.0852% | 4,610 |
| Net interest margin | 2.5056% | 4,266 |
| Noninterest income to average assets | 1.4038% | 610 |
| Noninterest expense to average assets | 1.7069% | 4,320 |
| Loan and lease loss provision to assets | 0.0039% | 2,894 |
| Net operating income to assets | 2.0995% | 396 |
| Return on assets (ROA) | 2.1398% | 384 |
| Pretax return on assets | 2.1398% | 625 |
| Return on Equity (ROE) | 32.9760% | 68 |
| Retained earnings to average equity (ytd only) | 19.3291% | 154 |
| Net charge-offs to loans | -0.0080% | 3,588 |
| Credit loss provision to net charge-offs | -137.5000% | 3,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3186% | 4,573 |
| Assets per employee ($millions) | 10.0456% | 630 |
| Cash dividends to net income (ytd only)* | 41.3843% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 1,781 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 30.2926% | 4,581 |
| Net loans and leases to deposits | 32.5590% | 4,663 |
| Net loans and leases to core deposits | 33.7221% | 4,660 |
| Total domestic deposits to total assets | 93.0391% | 32 |
| Equity capital to assets | 6.5038% | 4,866 |
| Core capital (leverage) ratio | 6.7620% | 4,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7644% | 2,060 |
| Memoranda: | ||
| Average total assets | $386,186,000 | 2,061 |
| Average earning assets | $370,896,500 | 2,020 |
| Average equity | $25,060,000 | 2,880 |
| Average total loans | $132,896,250 | 2,852 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7923% | 4,351 |
| Cost of funding earning assets | 0.0890% | 4,646 |
| Net interest margin | 2.7034% | 3,976 |
| Noninterest income to average assets | 1.4459% | 579 |
| Noninterest expense to average assets | 1.7504% | 4,280 |
| Loan and lease loss provision to assets | 0.0042% | 2,799 |
| Net operating income to assets | 2.2816% | 291 |
| Return on assets (ROA) | 2.3240% | 293 |
| Pretax return on assets | 2.3240% | 464 |
| Return on Equity (ROE) | 35.8433% | 61 |
| Retained earnings to average equity (ytd only) | 21.8752% | 115 |
| Net charge-offs to loans | -0.0059% | 3,486 |
| Credit loss provision to net charge-offs | -200.0000% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8946% | 4,668 |
| Assets per employee ($millions) | 8.9288% | 884 |
| Cash dividends to net income (ytd only)* | 38.9699% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 1,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 33.7845% | 4,546 |
| Net loans and leases to deposits | 36.8162% | 4,615 |
| Net loans and leases to core deposits | 37.9151% | 4,627 |
| Total domestic deposits to total assets | 91.7654% | 177 |
| Equity capital to assets | 6.6701% | 4,885 |
| Core capital (leverage) ratio | 6.6400% | 4,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9341% | 2,386 |
| Memoranda: | ||
| Average total assets | $377,624,667 | 2,087 |
| Average earning assets | $361,846,000 | 2,048 |
| Average equity | $24,484,333 | 2,909 |
| Average total loans | $134,990,333 | 2,830 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9875% | 4,115 |
| Cost of funding earning assets | 0.0904% | 4,702 |
| Net interest margin | 2.8971% | 3,534 |
| Noninterest income to average assets | 1.2754% | 773 |
| Noninterest expense to average assets | 1.7337% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3148% | 351 |
| Return on assets (ROA) | 2.3970% | 339 |
| Pretax return on assets | 2.3970% | 524 |
| Return on Equity (ROE) | 37.5219% | 76 |
| Retained earnings to average equity (ytd only) | 23.2255% | 177 |
| Net charge-offs to loans | -0.0117% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3483% | 4,658 |
| Assets per employee ($millions) | 9.4392% | 714 |
| Cash dividends to net income (ytd only)* | 38.1016% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 2,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 33.9799% | 4,576 |
| Net loans and leases to deposits | 36.9982% | 4,658 |
| Net loans and leases to core deposits | 38.0920% | 4,671 |
| Total domestic deposits to total assets | 91.8420% | 176 |
| Equity capital to assets | 5.6712% | 4,954 |
| Core capital (leverage) ratio | 6.5057% | 4,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1621% | 2,603 |
| Memoranda: | ||
| Average total assets | $374,467,500 | 2,084 |
| Average earning assets | $358,431,000 | 2,048 |
| Average equity | $23,922,000 | 2,936 |
| Average total loans | $136,709,000 | 2,818 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3178% | 4,304 |
| Cost of funding earning assets | 0.1780% | 4,655 |
| Net interest margin | 3.1398% | 3,525 |
| Noninterest income to average assets | 1.6659% | 452 |
| Noninterest expense to average assets | 2.8815% | 1,736 |
| Loan and lease loss provision to assets | 0.0032% | 4,297 |
| Net operating income to assets | 1.7584% | 427 |
| Return on assets (ROA) | 1.7891% | 429 |
| Pretax return on assets | 1.7891% | 699 |
| Return on Equity (ROE) | 22.1950% | 157 |
| Retained earnings to average equity (ytd only) | 4.6511% | 2,449 |
| Net charge-offs to loans | -0.0013% | 3,959 |
| Credit loss provision to net charge-offs | -500.0000% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5768% | 3,210 |
| Assets per employee ($millions) | 8.2256% | 960 |
| Cash dividends to net income (ytd only)* | 79.0442% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 2,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3481% | 2,595 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 38.1986% | 4,514 |
| Net loans and leases to deposits | 43.0632% | 4,555 |
| Net loans and leases to core deposits | 44.4764% | 4,586 |
| Total domestic deposits to total assets | 88.7035% | 1,121 |
| Equity capital to assets | 7.1550% | 4,900 |
| Core capital (leverage) ratio | 6.4267% | 4,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1882% | 2,872 |
| Memoranda: | ||
| Average total assets | $315,807,400 | 2,208 |
| Average earning assets | $299,447,800 | 2,185 |
| Average equity | $25,456,200 | 2,768 |
| Average total loans | $150,710,000 | 2,657 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5901% | 4,036 |
| Cost of funding earning assets | 0.2071% | 4,645 |
| Net interest margin | 3.3830% | 2,971 |
| Noninterest income to average assets | 1.7738% | 377 |
| Noninterest expense to average assets | 2.3430% | 3,307 |
| Loan and lease loss provision to assets | 0.0030% | 4,222 |
| Net operating income to assets | 2.6260% | 125 |
| Return on assets (ROA) | 2.6685% | 124 |
| Pretax return on assets | 2.6699% | 164 |
| Return on Equity (ROE) | 32.0355% | 48 |
| Retained earnings to average equity (ytd only) | 12.4881% | 374 |
| Net charge-offs to loans | 0.0017% | 3,150 |
| Credit loss provision to net charge-offs | 350.0000% | 1,608 |
| Earnings coverage of net charge-offs (x) | 3,001.5000% | 27 |
| Efficiency ratio | 46.6432% | 4,683 |
| Assets per employee ($millions) | 7.7576% | 1,096 |
| Cash dividends to net income (ytd only)* | 61.0181% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 2,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 2,643 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 47.3498% | 4,250 |
| Net loans and leases to deposits | 54.4265% | 4,320 |
| Net loans and leases to core deposits | 56.4340% | 4,369 |
| Total domestic deposits to total assets | 86.9976% | 1,673 |
| Equity capital to assets | 8.0233% | 4,707 |
| Core capital (leverage) ratio | 7.5954% | 4,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9804% | 2,213 |
| Memoranda: | ||
| Average total assets | $304,277,500 | 2,253 |
| Average earning assets | $287,787,000 | 2,227 |
| Average equity | $25,346,250 | 2,769 |
| Average total loans | $153,367,500 | 2,638 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9290% | 3,540 |
| Cost of funding earning assets | 0.2427% | 4,645 |
| Net interest margin | 3.6863% | 2,220 |
| Noninterest income to average assets | 1.8437% | 326 |
| Noninterest expense to average assets | 2.3429% | 3,418 |
| Loan and lease loss provision to assets | 0.0034% | 4,118 |
| Net operating income to assets | 2.9731% | 87 |
| Return on assets (ROA) | 3.0335% | 85 |
| Pretax return on assets | 3.0335% | 109 |
| Return on Equity (ROE) | 35.9175% | 41 |
| Retained earnings to average equity (ytd only) | 23.8566% | 54 |
| Net charge-offs to loans | 0.0079% | 2,662 |
| Credit loss provision to net charge-offs | 83.3333% | 2,489 |
| Earnings coverage of net charge-offs (x) | 730.5000% | 134 |
| Efficiency ratio | 43.5848% | 4,825 |
| Assets per employee ($millions) | 7.1933% | 1,336 |
| Cash dividends to net income (ytd only)* | 33.5796% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 3,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 1,924 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 50.5531% | 4,133 |
| Net loans and leases to deposits | 58.5575% | 4,189 |
| Net loans and leases to core deposits | 60.3455% | 4,244 |
| Total domestic deposits to total assets | 86.3308% | 1,878 |
| Equity capital to assets | 8.5632% | 4,442 |
| Core capital (leverage) ratio | 7.5082% | 4,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6125% | 2,767 |
| Memoranda: | ||
| Average total assets | $294,511,000 | 2,283 |
| Average earning assets | $277,677,333 | 2,268 |
| Average equity | $24,873,667 | 2,787 |
| Average total loans | $151,233,333 | 2,648 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 4,570 |
| Cost of funding earning assets | 0.3860% | 4,404 |
| Net interest margin | 3.1778% | 3,916 |
| Noninterest income to average assets | 2.0163% | 270 |
| Noninterest expense to average assets | 2.5007% | 3,264 |
| Loan and lease loss provision to assets | 0.0043% | 3,688 |
| Net operating income to assets | 2.4993% | 111 |
| Return on assets (ROA) | 2.5050% | 114 |
| Pretax return on assets | 2.5050% | 161 |
| Return on Equity (ROE) | 29.9006% | 35 |
| Retained earnings to average equity (ytd only) | 17.1080% | 106 |
| Net charge-offs to loans | 0.0250% | 1,867 |
| Credit loss provision to net charge-offs | 33.3333% | 2,136 |
| Earnings coverage of net charge-offs (x) | 194.6667% | 354 |
| Efficiency ratio | 49.4575% | 4,698 |
| Assets per employee ($millions) | 6.4609% | 1,366 |
| Cash dividends to net income (ytd only)* | 42.7838% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7041% | 1,904 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 49.4220% | 4,266 |
| Net loans and leases to deposits | 54.3440% | 4,427 |
| Net loans and leases to core deposits | 56.5462% | 4,477 |
| Total domestic deposits to total assets | 90.9428% | 114 |
| Equity capital to assets | 8.4821% | 4,843 |
| Core capital (leverage) ratio | 7.6855% | 5,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6457% | 2,866 |
| Memoranda: | ||
| Average total assets | $279,917,000 | 2,326 |
| Average earning assets | $263,203,500 | 2,302 |
| Average equity | $23,451,000 | 2,887 |
| Average total loans | $144,122,000 | 2,690 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9389% | 4,365 |
| Cost of funding earning assets | 0.5806% | 3,717 |
| Net interest margin | 3.3583% | 3,857 |
| Noninterest income to average assets | 2.2470% | 225 |
| Noninterest expense to average assets | 3.6819% | 775 |
| Loan and lease loss provision to assets | 0.0117% | 3,778 |
| Net operating income to assets | 1.6808% | 692 |
| Return on assets (ROA) | 1.6819% | 736 |
| Pretax return on assets | 1.6869% | 1,226 |
| Return on Equity (ROE) | 20.6576% | 179 |
| Retained earnings to average equity (ytd only) | 6.5259% | 1,600 |
| Net charge-offs to loans | 0.0442% | 2,503 |
| Credit loss provision to net charge-offs | 49.2063% | 3,136 |
| Earnings coverage of net charge-offs (x) | 71.0952% | 878 |
| Efficiency ratio | 67.9442% | 2,467 |
| Assets per employee ($millions) | 6.1158% | 1,550 |
| Cash dividends to net income (ytd only)* | 68.4092% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7607% | 1,702 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 52.3707% | 4,194 |
| Net loans and leases to deposits | 57.4575% | 4,393 |
| Net loans and leases to core deposits | 59.9677% | 4,442 |
| Total domestic deposits to total assets | 91.1469% | 101 |
| Equity capital to assets | 8.2652% | 4,992 |
| Core capital (leverage) ratio | 7.6855% | 5,087 |
| Tier 1 risk-based capital ratio | 11.5499% | 4,605 |
| Total risk-based capital ratio | 12.5747% | 4,607 |
| Memoranda: | ||
| Average total assets | $263,861,800 | 2,373 |
| Average earning assets | $246,109,800 | 2,363 |
| Average equity | $21,483,600 | 3,006 |
| Average total loans | $142,385,800 | 2,696 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 4,376 |
| Cost of funding earning assets | 0.6128% | 3,628 |
| Net interest margin | 3.3799% | 3,914 |
| Noninterest income to average assets | 2.1638% | 233 |
| Noninterest expense to average assets | 2.7529% | 2,705 |
| Loan and lease loss provision to assets | 0.0102% | 3,685 |
| Net operating income to assets | 2.5421% | 151 |
| Return on assets (ROA) | 2.5437% | 160 |
| Pretax return on assets | 2.5503% | 226 |
| Return on Equity (ROE) | 31.3629% | 36 |
| Retained earnings to average equity (ytd only) | 17.2749% | 78 |
| Net charge-offs to loans | -0.0047% | 4,190 |
| Credit loss provision to net charge-offs | -400.0000% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3193% | 4,651 |
| Assets per employee ($millions) | 6.1681% | 1,479 |
| Cash dividends to net income (ytd only)* | 44.9192% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,000 |
| Loan loss allowance to noncurrent loans | 529.3785% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 1,779 |
| Noncurrent loans to loans | 0.2440% | 3,668 |
| Net loans and leases to total assets | 52.7692% | 4,267 |
| Net loans and leases to deposits | 58.1599% | 4,470 |
| Net loans and leases to core deposits | 60.5071% | 4,517 |
| Total domestic deposits to total assets | 90.7312% | 132 |
| Equity capital to assets | 8.6273% | 4,954 |
| Core capital (leverage) ratio | 8.3008% | 5,030 |
| Tier 1 risk-based capital ratio | 12.0889% | 4,374 |
| Total risk-based capital ratio | 13.1273% | 4,364 |
| Memoranda: | ||
| Average total assets | $262,554,000 | 2,396 |
| Average earning assets | $244,538,750 | 2,390 |
| Average equity | $21,294,250 | 3,042 |
| Average total loans | $142,296,500 | 2,722 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 4,381 |
| Cost of funding earning assets | 0.6333% | 3,493 |
| Net interest margin | 3.3637% | 4,004 |
| Noninterest income to average assets | 2.8921% | 166 |
| Noninterest expense to average assets | 2.8227% | 2,508 |
| Loan and lease loss provision to assets | 0.0085% | 3,570 |
| Net operating income to assets | 3.1810% | 75 |
| Return on assets (ROA) | 3.1833% | 81 |
| Pretax return on assets | 3.1933% | 100 |
| Return on Equity (ROE) | 40.1405% | 20 |
| Retained earnings to average equity (ytd only) | 25.5687% | 26 |
| Net charge-offs to loans | -0.0113% | 4,360 |
| Credit loss provision to net charge-offs | -137.5000% | 3,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4117% | 4,971 |
| Assets per employee ($millions) | 5.5995% | 1,874 |
| Cash dividends to net income (ytd only)* | 36.3020% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 2,081 |
| Loan loss allowance to noncurrent loans | 527.6836% | 974 |
| Noncurrent assets plus other real estate owned to assets | 1.0843% | 1,259 |
| Noncurrent loans to loans | 0.2433% | 3,666 |
| Net loans and leases to total assets | 55.7542% | 4,089 |
| Net loans and leases to deposits | 61.6152% | 4,348 |
| Net loans and leases to core deposits | 64.1189% | 4,407 |
| Total domestic deposits to total assets | 90.4878% | 193 |
| Equity capital to assets | 8.8832% | 4,861 |
| Core capital (leverage) ratio | 8.5542% | 4,940 |
| Tier 1 risk-based capital ratio | 11.9658% | 4,441 |
| Total risk-based capital ratio | 12.9971% | 4,447 |
| Memoranda: | ||
| Average total assets | $259,607,000 | 2,423 |
| Average earning assets | $241,578,670 | 2,421 |
| Average equity | $20,587,670 | 3,098 |
| Average total loans | $141,366,330 | 2,749 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 4,421 |
| Cost of funding earning assets | 0.6111% | 3,506 |
| Net interest margin | 3.3635% | 3,998 |
| Noninterest income to average assets | 3.3029% | 127 |
| Noninterest expense to average assets | 2.8578% | 2,393 |
| Loan and lease loss provision to assets | 0.0092% | 3,319 |
| Net operating income to assets | 3.5699% | 64 |
| Return on assets (ROA) | 3.5699% | 68 |
| Pretax return on assets | 3.5699% | 83 |
| Return on Equity (ROE) | 47.8576% | 18 |
| Retained earnings to average equity (ytd only) | 32.4263% | 22 |
| Net charge-offs to loans | -0.0029% | 3,914 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9676% | 5,102 |
| Assets per employee ($millions) | 6.0022% | 1,548 |
| Cash dividends to net income (ytd only)* | 32.2442% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 1,896 |
| Loan loss allowance to noncurrent loans | 518.4358% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.9981% | 1,405 |
| Noncurrent loans to loans | 0.2592% | 3,634 |
| Net loans and leases to total assets | 51.5900% | 4,367 |
| Net loans and leases to deposits | 56.3869% | 4,581 |
| Net loans and leases to core deposits | 57.8386% | 4,646 |
| Total domestic deposits to total assets | 91.4929% | 101 |
| Equity capital to assets | 7.8335% | 5,218 |
| Core capital (leverage) ratio | 7.9983% | 5,207 |
| Tier 1 risk-based capital ratio | 11.6981% | 4,626 |
| Total risk-based capital ratio | 12.7521% | 4,636 |
| Memoranda: | ||
| Average total assets | $260,623,000 | 2,440 |
| Average earning assets | $242,841,500 | 2,429 |
| Average equity | $19,441,000 | 3,206 |
| Average total loans | $139,311,000 | 2,803 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9069% | 4,263 |
| Cost of funding earning assets | 0.4375% | 3,753 |
| Net interest margin | 3.4693% | 3,805 |
| Noninterest income to average assets | 4.0970% | 108 |
| Noninterest expense to average assets | 4.8155% | 233 |
| Loan and lease loss provision to assets | 0.0069% | 3,983 |
| Net operating income to assets | 2.4942% | 151 |
| Return on assets (ROA) | 2.0971% | 296 |
| Pretax return on assets | 2.0971% | 443 |
| Return on Equity (ROE) | 26.7569% | 64 |
| Retained earnings to average equity (ytd only) | -3.7486% | 5,211 |
| Net charge-offs to loans | -0.0156% | 4,624 |
| Credit loss provision to net charge-offs | -77.2727% | 4,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4223% | 2,969 |
| Assets per employee ($millions) | 5.8443% | 1,633 |
| Cash dividends to net income (ytd only)* | 114.0097% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 1,967 |
| Loan loss allowance to noncurrent loans | 498.3827% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.9710% | 1,410 |
| Noncurrent loans to loans | 0.2640% | 3,630 |
| Net loans and leases to total assets | 53.9257% | 4,283 |
| Net loans and leases to deposits | 58.4238% | 4,554 |
| Net loans and leases to core deposits | 59.8557% | 4,635 |
| Total domestic deposits to total assets | 92.3010% | 56 |
| Equity capital to assets | 7.0752% | 5,327 |
| Core capital (leverage) ratio | 7.8694% | 5,272 |
| Tier 1 risk-based capital ratio | 10.7742% | 5,082 |
| Total risk-based capital ratio | 11.8224% | 5,048 |
| Memoranda: | ||
| Average total assets | $246,768,000 | 2,492 |
| Average earning assets | $229,006,000 | 2,492 |
| Average equity | $19,340,800 | 3,154 |
| Average total loans | $141,136,000 | 2,755 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 4,285 |
| Cost of funding earning assets | 0.4056% | 3,820 |
| Net interest margin | 3.4636% | 3,825 |
| Noninterest income to average assets | 4.2133% | 111 |
| Noninterest expense to average assets | 3.4346% | 1,071 |
| Loan and lease loss provision to assets | 0.0071% | 3,832 |
| Net operating income to assets | 3.9845% | 51 |
| Return on assets (ROA) | 3.9845% | 51 |
| Pretax return on assets | 3.9845% | 60 |
| Return on Equity (ROE) | 49.5687% | 9 |
| Retained earnings to average equity (ytd only) | 20.6984% | 49 |
| Net charge-offs to loans | -0.0151% | 4,521 |
| Credit loss provision to net charge-offs | -81.2500% | 4,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8603% | 5,151 |
| Assets per employee ($millions) | 5.5861% | 1,840 |
| Cash dividends to net income (ytd only)* | 58.2432% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 2,130 |
| Loan loss allowance to noncurrent loans | 485.2243% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.9728% | 1,495 |
| Noncurrent loans to loans | 0.2663% | 3,733 |
| Net loans and leases to total assets | 57.1488% | 4,119 |
| Net loans and leases to deposits | 62.9329% | 4,397 |
| Net loans and leases to core deposits | 64.2872% | 4,501 |
| Total domestic deposits to total assets | 90.8092% | 267 |
| Equity capital to assets | 8.4626% | 4,948 |
| Core capital (leverage) ratio | 9.3892% | 4,288 |
| Tier 1 risk-based capital ratio | 12.9875% | 3,916 |
| Total risk-based capital ratio | 14.0368% | 3,930 |
| Memoranda: | ||
| Average total assets | $244,172,500 | 2,520 |
| Average earning assets | $226,501,750 | 2,523 |
| Average equity | $19,627,500 | 3,142 |
| Average total loans | $141,290,250 | 2,768 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7652% | 4,439 |
| Cost of funding earning assets | 0.3666% | 3,967 |
| Net interest margin | 3.3986% | 3,957 |
| Noninterest income to average assets | 3.6662% | 126 |
| Noninterest expense to average assets | 3.2836% | 1,360 |
| Loan and lease loss provision to assets | 0.0066% | 3,708 |
| Net operating income to assets | 3.5266% | 60 |
| Return on assets (ROA) | 3.5266% | 59 |
| Pretax return on assets | 3.5266% | 74 |
| Return on Equity (ROE) | 44.6647% | 11 |
| Retained earnings to average equity (ytd only) | 8.2759% | 1,502 |
| Net charge-offs to loans | -0.0227% | 4,619 |
| Credit loss provision to net charge-offs | -50.0000% | 4,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7360% | 5,129 |
| Assets per employee ($millions) | 5.8795% | 1,564 |
| Cash dividends to net income (ytd only)* | 81.4711% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 2,161 |
| Loan loss allowance to noncurrent loans | 469.0537% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 1.0752% | 1,376 |
| Noncurrent loans to loans | 0.2774% | 3,712 |
| Net loans and leases to total assets | 56.3270% | 4,136 |
| Net loans and leases to deposits | 61.3947% | 4,457 |
| Net loans and leases to core deposits | 63.8500% | 4,497 |
| Total domestic deposits to total assets | 91.7458% | 111 |
| Equity capital to assets | 7.5848% | 5,354 |
| Core capital (leverage) ratio | 8.5934% | 5,049 |
| Tier 1 risk-based capital ratio | 11.7270% | 4,670 |
| Total risk-based capital ratio | 12.7766% | 4,669 |
| Memoranda: | ||
| Average total assets | $243,634,000 | 2,542 |
| Average earning assets | $225,856,670 | 2,545 |
| Average equity | $19,236,670 | 3,198 |
| Average total loans | $140,952,330 | 2,785 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6863% | 4,497 |
| Cost of funding earning assets | 0.3264% | 4,155 |
| Net interest margin | 3.3599% | 4,023 |
| Noninterest income to average assets | 3.4697% | 135 |
| Noninterest expense to average assets | 3.0432% | 1,961 |
| Loan and lease loss provision to assets | 0.0066% | 3,423 |
| Net operating income to assets | 3.5342% | 61 |
| Return on assets (ROA) | 3.5342% | 61 |
| Pretax return on assets | 3.5342% | 74 |
| Return on Equity (ROE) | 43.8789% | 16 |
| Retained earnings to average equity (ytd only) | 33.6172% | 13 |
| Net charge-offs to loans | -0.0057% | 4,050 |
| Credit loss provision to net charge-offs | -200.0000% | 3,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7695% | 5,287 |
| Assets per employee ($millions) | 5.5769% | 1,866 |
| Cash dividends to net income (ytd only)* | 23.3863% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 2,315 |
| Loan loss allowance to noncurrent loans | 451.7413% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 1.0441% | 1,502 |
| Noncurrent loans to loans | 0.2844% | 3,752 |
| Net loans and leases to total assets | 56.8693% | 4,039 |
| Net loans and leases to deposits | 62.2911% | 4,321 |
| Net loans and leases to core deposits | 64.8076% | 4,377 |
| Total domestic deposits to total assets | 91.2960% | 227 |
| Equity capital to assets | 8.0813% | 5,238 |
| Core capital (leverage) ratio | 8.9786% | 4,697 |
| Tier 1 risk-based capital ratio | 12.1299% | 4,476 |
| Total risk-based capital ratio | 13.1633% | 4,495 |
| Memoranda: | ||
| Average total assets | $241,981,000 | 2,572 |
| Average earning assets | $224,292,000 | 2,577 |
| Average equity | $19,490,000 | 3,204 |
| Average total loans | $140,964,500 | 2,803 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5826% | 4,605 |
| Cost of funding earning assets | 0.2338% | 4,696 |
| Net interest margin | 3.3488% | 4,014 |
| Noninterest income to average assets | 4.0388% | 129 |
| Noninterest expense to average assets | 4.5788% | 296 |
| Loan and lease loss provision to assets | -0.7607% | 5,661 |
| Net operating income to assets | 3.2820% | 60 |
| Return on assets (ROA) | 3.2895% | 59 |
| Pretax return on assets | 3.2895% | 84 |
| Return on Equity (ROE) | 40.7030% | 16 |
| Retained earnings to average equity (ytd only) | 20.6522% | 38 |
| Net charge-offs to loans | -1.2157% | 5,631 |
| Credit loss provision to net charge-offs | 107.0900% | 2,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0513% | 3,596 |
| Assets per employee ($millions) | 5.4223% | 2,020 |
| Cash dividends to net income (ytd only)* | 49.2611% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 2,280 |
| Loan loss allowance to noncurrent loans | 430.9524% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 1.0122% | 1,518 |
| Noncurrent loans to loans | 0.2988% | 3,707 |
| Net loans and leases to total assets | 58.1591% | 3,992 |
| Net loans and leases to deposits | 63.6271% | 4,337 |
| Net loans and leases to core deposits | 66.2665% | 4,398 |
| Total domestic deposits to total assets | 91.4062% | 155 |
| Equity capital to assets | 8.0267% | 5,386 |
| Core capital (leverage) ratio | 8.6344% | 5,007 |
| Tier 1 risk-based capital ratio | 11.5091% | 4,844 |
| Total risk-based capital ratio | 12.5632% | 4,847 |
| Memoranda: | ||
| Average total assets | $228,334,800 | 2,649 |
| Average earning assets | $208,733,400 | 2,680 |
| Average equity | $18,453,200 | 3,309 |
| Average total loans | $133,416,400 | 2,868 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5597% | 4,657 |
| Cost of funding earning assets | 0.2234% | 4,784 |
| Net interest margin | 3.3363% | 4,057 |
| Noninterest income to average assets | 4.1456% | 135 |
| Noninterest expense to average assets | 3.8486% | 637 |
| Loan and lease loss provision to assets | -1.0305% | 5,733 |
| Net operating income to assets | 4.3701% | 46 |
| Return on assets (ROA) | 4.3801% | 45 |
| Pretax return on assets | 4.3801% | 63 |
| Return on Equity (ROE) | 54.1008% | 10 |
| Retained earnings to average equity (ytd only) | 39.5125% | 7 |
| Net charge-offs to loans | -1.7787% | 5,696 |
| Credit loss provision to net charge-offs | 99.3736% | 2,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1055% | 5,001 |
| Assets per employee ($millions) | 5.3620% | 2,053 |
| Cash dividends to net income (ytd only)* | 26.9651% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 1,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8275% | 2,082 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 57.7085% | 4,092 |
| Net loans and leases to deposits | 64.0908% | 4,374 |
| Net loans and leases to core deposits | 66.2186% | 4,469 |
| Total domestic deposits to total assets | 90.0418% | 461 |
| Equity capital to assets | 9.2313% | 4,700 |
| Core capital (leverage) ratio | 9.5326% | 4,119 |
| Tier 1 risk-based capital ratio | 13.0187% | 3,996 |
| Total risk-based capital ratio | 14.1990% | 3,952 |
| Memoranda: | ||
| Average total assets | $225,773,500 | 2,698 |
| Average earning assets | $205,893,000 | 2,729 |
| Average equity | $18,279,000 | 3,360 |
| Average total loans | $131,629,000 | 2,919 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4855% | 4,804 |
| Cost of funding earning assets | 0.2109% | 4,885 |
| Net interest margin | 3.2747% | 4,193 |
| Noninterest income to average assets | 4.5000% | 124 |
| Noninterest expense to average assets | 3.8505% | 630 |
| Loan and lease loss provision to assets | -1.5622% | 5,786 |
| Net operating income to assets | 5.2039% | 40 |
| Return on assets (ROA) | 5.2191% | 40 |
| Pretax return on assets | 5.2191% | 49 |
| Return on Equity (ROE) | 67.7188% | 9 |
| Retained earnings to average equity (ytd only) | 53.2490% | 5 |
| Net charge-offs to loans | -2.6925% | 5,745 |
| Credit loss provision to net charge-offs | 99.6585% | 2,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9645% | 5,248 |
| Assets per employee ($millions) | 4.6702% | 2,830 |
| Cash dividends to net income (ytd only)* | 21.3675% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 1,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 2,135 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 56.3846% | 4,186 |
| Net loans and leases to deposits | 62.3648% | 4,481 |
| Net loans and leases to core deposits | 63.1833% | 4,660 |
| Total domestic deposits to total assets | 90.4108% | 389 |
| Equity capital to assets | 8.9337% | 4,957 |
| Core capital (leverage) ratio | 9.2262% | 4,461 |
| Tier 1 risk-based capital ratio | 12.8275% | 4,101 |
| Total risk-based capital ratio | 14.0345% | 4,039 |
| Memoranda: | ||
| Average total assets | $224,176,670 | 2,728 |
| Average earning assets | $204,846,000 | 2,757 |
| Average equity | $17,277,330 | 3,503 |
| Average total loans | $130,508,330 | 2,941 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3879% | 4,949 |
| Cost of funding earning assets | 0.2073% | 4,909 |
| Net interest margin | 3.1806% | 4,404 |
| Noninterest income to average assets | 3.5124% | 171 |
| Noninterest expense to average assets | 3.7360% | 739 |
| Loan and lease loss provision to assets | -0.0018% | 5,635 |
| Net operating income to assets | 2.7100% | 105 |
| Return on assets (ROA) | 2.7100% | 109 |
| Pretax return on assets | 2.7100% | 166 |
| Return on Equity (ROE) | 38.3076% | 23 |
| Retained earnings to average equity (ytd only) | 29.3870% | 32 |
| Net charge-offs to loans | -0.0061% | 4,243 |
| Credit loss provision to net charge-offs | 50.0000% | 1,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4706% | 4,781 |
| Assets per employee ($millions) | 4.9487% | 2,511 |
| Cash dividends to net income (ytd only)* | 23.2868% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 2,223 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 56.3853% | 4,129 |
| Net loans and leases to deposits | 61.1548% | 4,485 |
| Net loans and leases to core deposits | 63.6728% | 4,554 |
| Total domestic deposits to total assets | 92.2009% | 85 |
| Equity capital to assets | 7.1815% | 5,733 |
| Core capital (leverage) ratio | 7.8013% | 5,631 |
| Tier 1 risk-based capital ratio | 10.7629% | 5,434 |
| Total risk-based capital ratio | 11.9778% | 5,365 |
| Memoranda: | ||
| Average total assets | $221,844,500 | 2,775 |
| Average earning assets | $204,491,000 | 2,783 |
| Average equity | $15,694,000 | 3,696 |
| Average total loans | $130,281,500 | 2,951 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5110% | 4,752 |
| Cost of funding earning assets | 0.2152% | 4,882 |
| Net interest margin | 3.2958% | 4,157 |
| Noninterest income to average assets | 2.8334% | 222 |
| Noninterest expense to average assets | 4.4952% | 379 |
| Loan and lease loss provision to assets | 0.0084% | 4,200 |
| Net operating income to assets | 1.3016% | 1,208 |
| Return on assets (ROA) | 1.3184% | 1,224 |
| Pretax return on assets | 1.3189% | 2,215 |
| Return on Equity (ROE) | 16.5326% | 451 |
| Retained earnings to average equity (ytd only) | -0.9205% | 5,432 |
| Net charge-offs to loans | -0.1434% | 5,674 |
| Credit loss provision to net charge-offs | -9.1398% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8245% | 1,875 |
| Assets per employee ($millions) | 4.5968% | 2,964 |
| Cash dividends to net income (ytd only)* | 105.5680% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 1,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8628% | 2,193 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 59.4109% | 3,917 |
| Net loans and leases to deposits | 64.2435% | 4,395 |
| Net loans and leases to core deposits | 67.0238% | 4,465 |
| Total domestic deposits to total assets | 92.4776% | 67 |
| Equity capital to assets | 6.9614% | 5,805 |
| Core capital (leverage) ratio | 7.6054% | 5,728 |
| Tier 1 risk-based capital ratio | 10.2024% | 5,684 |
| Total risk-based capital ratio | 11.4290% | 5,640 |
| Memoranda: | ||
| Average total assets | $202,974,000 | 2,924 |
| Average earning assets | $183,053,200 | 2,986 |
| Average equity | $16,186,200 | 3,669 |
| Average total loans | $129,749,400 | 2,926 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 4,715 |
| Cost of funding earning assets | 0.2186% | 4,890 |
| Net interest margin | 3.3188% | 4,132 |
| Noninterest income to average assets | 2.8495% | 221 |
| Noninterest expense to average assets | 4.3056% | 442 |
| Loan and lease loss provision to assets | 0.0073% | 4,080 |
| Net operating income to assets | 1.5162% | 850 |
| Return on assets (ROA) | 1.5389% | 855 |
| Pretax return on assets | 1.5396% | 1,572 |
| Return on Equity (ROE) | 18.6566% | 320 |
| Retained earnings to average equity (ytd only) | 0.2428% | 5,283 |
| Net charge-offs to loans | -0.1903% | 5,749 |
| Credit loss provision to net charge-offs | -5.9459% | 4,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2478% | 2,395 |
| Assets per employee ($millions) | 4.2244% | 3,552 |
| Cash dividends to net income (ytd only)* | 98.6985% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 1,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8971% | 2,315 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 63.0651% | 3,516 |
| Net loans and leases to deposits | 68.9850% | 4,062 |
| Net loans and leases to core deposits | 72.1444% | 4,148 |
| Total domestic deposits to total assets | 91.4186% | 124 |
| Equity capital to assets | 7.9365% | 5,760 |
| Core capital (leverage) ratio | 7.9671% | 5,702 |
| Tier 1 risk-based capital ratio | 10.2228% | 5,730 |
| Total risk-based capital ratio | 11.4347% | 5,677 |
| Memoranda: | ||
| Average total assets | $199,705,500 | 2,967 |
| Average earning assets | $179,338,500 | 3,031 |
| Average equity | $16,472,750 | 3,663 |
| Average total loans | $129,616,500 | 2,936 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5420% | 4,764 |
| Cost of funding earning assets | 0.2156% | 4,988 |
| Net interest margin | 3.3264% | 4,137 |
| Noninterest income to average assets | 2.9613% | 207 |
| Noninterest expense to average assets | 4.2154% | 486 |
| Loan and lease loss provision to assets | 0.0081% | 3,915 |
| Net operating income to assets | 1.7245% | 553 |
| Return on assets (ROA) | 1.7579% | 547 |
| Pretax return on assets | 1.7590% | 962 |
| Return on Equity (ROE) | 21.0339% | 191 |
| Retained earnings to average equity (ytd only) | 0.1092% | 5,260 |
| Net charge-offs to loans | -0.2829% | 5,877 |
| Credit loss provision to net charge-offs | -4.3956% | 4,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2454% | 2,941 |
| Assets per employee ($millions) | 4.0021% | 3,894 |
| Cash dividends to net income (ytd only)* | 99.4810% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 2,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9715% | 2,203 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 65.1924% | 3,202 |
| Net loans and leases to deposits | 71.4892% | 3,832 |
| Net loans and leases to core deposits | 74.8846% | 3,918 |
| Total domestic deposits to total assets | 91.1920% | 157 |
| Equity capital to assets | 8.2083% | 5,731 |
| Core capital (leverage) ratio | 8.1071% | 5,665 |
| Tier 1 risk-based capital ratio | 10.3380% | 5,744 |
| Total risk-based capital ratio | 11.5620% | 5,669 |
| Memoranda: | ||
| Average total assets | $197,276,000 | 3,009 |
| Average earning assets | $177,186,000 | 3,068 |
| Average equity | $16,487,670 | 3,663 |
| Average total loans | $128,669,000 | 2,957 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5144% | 4,854 |
| Cost of funding earning assets | 0.2205% | 4,999 |
| Net interest margin | 3.2939% | 4,244 |
| Noninterest income to average assets | 3.1144% | 195 |
| Noninterest expense to average assets | 4.1927% | 495 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8789% | 413 |
| Return on assets (ROA) | 1.8870% | 433 |
| Pretax return on assets | 1.8891% | 708 |
| Return on Equity (ROE) | 22.3742% | 147 |
| Retained earnings to average equity (ytd only) | 18.7421% | 112 |
| Net charge-offs to loans | -0.0473% | 5,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4264% | 3,392 |
| Assets per employee ($millions) | 3.8475% | 4,212 |
| Cash dividends to net income (ytd only)* | 16.2338% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 2,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1339% | 1,950 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 63.9195% | 3,252 |
| Net loans and leases to deposits | 70.4269% | 3,819 |
| Net loans and leases to core deposits | 72.4754% | 4,030 |
| Total domestic deposits to total assets | 90.7601% | 343 |
| Equity capital to assets | 8.6656% | 5,448 |
| Core capital (leverage) ratio | 8.4689% | 5,420 |
| Tier 1 risk-based capital ratio | 11.2573% | 5,366 |
| Total risk-based capital ratio | 12.4142% | 5,326 |
| Memoranda: | ||
| Average total assets | $195,862,500 | 3,031 |
| Average earning assets | $175,964,000 | 3,094 |
| Average equity | $16,519,000 | 3,659 |
| Average total loans | $126,821,500 | 2,987 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4615% | 5,020 |
| Cost of funding earning assets | 0.2233% | 5,058 |
| Net interest margin | 3.2382% | 4,509 |
| Noninterest income to average assets | 3.9132% | 161 |
| Noninterest expense to average assets | 4.7650% | 336 |
| Loan and lease loss provision to assets | 0.1647% | 1,397 |
| Net operating income to assets | 1.8554% | 441 |
| Return on assets (ROA) | 1.8575% | 451 |
| Pretax return on assets | 1.8597% | 711 |
| Return on Equity (ROE) | 22.7190% | 144 |
| Retained earnings to average equity (ytd only) | 5.0299% | 2,393 |
| Net charge-offs to loans | -0.3771% | 6,047 |
| Credit loss provision to net charge-offs | -66.2393% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6493% | 3,279 |
| Assets per employee ($millions) | 4.0729% | 3,810 |
| Cash dividends to net income (ytd only)* | 77.8604% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 2,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1028% | 1,989 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 63.8148% | 3,312 |
| Net loans and leases to deposits | 69.9014% | 3,932 |
| Net loans and leases to core deposits | 72.5569% | 4,083 |
| Total domestic deposits to total assets | 91.2926% | 213 |
| Equity capital to assets | 8.2015% | 5,758 |
| Core capital (leverage) ratio | 8.4597% | 5,466 |
| Tier 1 risk-based capital ratio | 10.8806% | 5,585 |
| Total risk-based capital ratio | 12.0336% | 5,548 |
| Memoranda: | ||
| Average total assets | $188,207,200 | 3,077 |
| Average earning assets | $167,037,800 | 3,165 |
| Average equity | $15,388,000 | 3,771 |
| Average total loans | $124,094,600 | 2,987 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4818% | 5,025 |
| Cost of funding earning assets | 0.2240% | 5,147 |
| Net interest margin | 3.2577% | 4,493 |
| Noninterest income to average assets | 3.5031% | 178 |
| Noninterest expense to average assets | 5.0003% | 286 |
| Loan and lease loss provision to assets | 0.2153% | 888 |
| Net operating income to assets | 1.1667% | 1,771 |
| Return on assets (ROA) | 1.1689% | 1,832 |
| Pretax return on assets | 1.1710% | 2,924 |
| Return on Equity (ROE) | 14.3080% | 841 |
| Retained earnings to average equity (ytd only) | -2.9597% | 5,929 |
| Net charge-offs to loans | -0.0853% | 5,732 |
| Credit loss provision to net charge-offs | -381.0127% | 5,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7255% | 1,984 |
| Assets per employee ($millions) | 3.6703% | 4,489 |
| Cash dividends to net income (ytd only)* | 120.6857% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 4,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8326% | 2,790 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 67.3140% | 2,802 |
| Net loans and leases to deposits | 73.8586% | 3,561 |
| Net loans and leases to core deposits | 75.9138% | 3,814 |
| Total domestic deposits to total assets | 91.1390% | 216 |
| Equity capital to assets | 8.2065% | 5,868 |
| Core capital (leverage) ratio | 8.2198% | 5,761 |
| Tier 1 risk-based capital ratio | 10.4867% | 5,885 |
| Total risk-based capital ratio | 11.4043% | 5,938 |
| Memoranda: | ||
| Average total assets | $186,384,000 | 3,121 |
| Average earning assets | $164,855,250 | 3,219 |
| Average equity | $15,226,500 | 3,833 |
| Average total loans | $123,498,250 | 3,019 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4162% | 5,192 |
| Cost of funding earning assets | 0.2241% | 5,203 |
| Net interest margin | 3.1921% | 4,686 |
| Noninterest income to average assets | 3.5038% | 182 |
| Noninterest expense to average assets | 4.8393% | 323 |
| Loan and lease loss provision to assets | 0.3128% | 467 |
| Net operating income to assets | 1.1626% | 1,740 |
| Return on assets (ROA) | 1.1658% | 1,789 |
| Pretax return on assets | 1.1679% | 2,906 |
| Return on Equity (ROE) | 14.2913% | 846 |
| Retained earnings to average equity (ytd only) | -1.7013% | 5,797 |
| Net charge-offs to loans | -0.1040% | 5,807 |
| Credit loss provision to net charge-offs | -457.8125% | 5,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0183% | 2,352 |
| Assets per employee ($millions) | 3.7353% | 4,353 |
| Cash dividends to net income (ytd only)* | 111.9048% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 4,638 |
| Loan loss allowance to noncurrent loans | 6,505.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.8058% | 2,969 |
| Noncurrent loans to loans | 0.0160% | 5,701 |
| Net loans and leases to total assets | 66.0372% | 2,941 |
| Net loans and leases to deposits | 72.2571% | 3,695 |
| Net loans and leases to core deposits | 75.1282% | 3,839 |
| Total domestic deposits to total assets | 91.3919% | 211 |
| Equity capital to assets | 7.9966% | 5,985 |
| Core capital (leverage) ratio | 8.0411% | 5,908 |
| Tier 1 risk-based capital ratio | 10.6744% | 5,849 |
| Total risk-based capital ratio | 11.5802% | 5,926 |
| Memoranda: | ||
| Average total assets | $187,341,000 | 3,136 |
| Average earning assets | $165,093,670 | 3,236 |
| Average equity | $15,282,000 | 3,846 |
| Average total loans | $123,046,330 | 3,036 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5044% | 4,950 |
| Cost of funding earning assets | 0.2265% | 5,252 |
| Net interest margin | 3.2779% | 4,305 |
| Noninterest income to average assets | 3.7819% | 171 |
| Noninterest expense to average assets | 4.6709% | 382 |
| Loan and lease loss provision to assets | 0.6182% | 152 |
| Net operating income to assets | 1.3601% | 1,115 |
| Return on assets (ROA) | 1.3644% | 1,169 |
| Pretax return on assets | 1.3665% | 2,014 |
| Return on Equity (ROE) | 16.5637% | 513 |
| Retained earnings to average equity (ytd only) | 16.5637% | 198 |
| Net charge-offs to loans | -0.0294% | 5,238 |
| Credit loss provision to net charge-offs | -3,222.2222% | 5,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6474% | 3,552 |
| Assets per employee ($millions) | 3.9877% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 4,955 |
| Loan loss allowance to noncurrent loans | 5,919.0476% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.7868% | 3,144 |
| Noncurrent loans to loans | 0.0171% | 5,737 |
| Net loans and leases to total assets | 63.5064% | 3,158 |
| Net loans and leases to deposits | 69.6937% | 3,785 |
| Net loans and leases to core deposits | 70.1049% | 4,142 |
| Total domestic deposits to total assets | 91.1222% | 328 |
| Equity capital to assets | 8.3591% | 5,831 |
| Core capital (leverage) ratio | 8.3913% | 5,644 |
| Tier 1 risk-based capital ratio | 11.3331% | 5,643 |
| Total risk-based capital ratio | 12.2083% | 5,759 |
| Memoranda: | ||
| Average total assets | $187,628,500 | 3,148 |
| Average earning assets | $164,251,500 | 3,264 |
| Average equity | $15,455,500 | 3,843 |
| Average total loans | $122,251,500 | 3,055 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5603% | 5,189 |
| Cost of funding earning assets | 0.2460% | 5,368 |
| Net interest margin | 3.3143% | 4,526 |
| Noninterest income to average assets | 3.9125% | 150 |
| Noninterest expense to average assets | 4.9845% | 307 |
| Loan and lease loss provision to assets | 0.4571% | 361 |
| Net operating income to assets | 1.4169% | 1,046 |
| Return on assets (ROA) | 1.4130% | 1,084 |
| Pretax return on assets | 1.4153% | 1,829 |
| Return on Equity (ROE) | 17.6952% | 427 |
| Retained earnings to average equity (ytd only) | 3.5752% | 3,679 |
| Net charge-offs to loans | 1.6866% | 135 |
| Credit loss provision to net charge-offs | 40.8234% | 3,661 |
| Earnings coverage of net charge-offs (x) | 1.6756% | 4,361 |
| Efficiency ratio | 72.0774% | 3,195 |
| Assets per employee ($millions) | 3.8302% | 4,290 |
| Cash dividends to net income (ytd only)* | 79.7956% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7757% | 5,838 |
| Loan loss allowance to noncurrent loans | 4,495.2381% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.8192% | 3,157 |
| Noncurrent loans to loans | 0.0173% | 5,833 |
| Net loans and leases to total assets | 65.6842% | 2,950 |
| Net loans and leases to deposits | 71.8141% | 3,705 |
| Net loans and leases to core deposits | 72.2537% | 4,098 |
| Total domestic deposits to total assets | 91.4641% | 236 |
| Equity capital to assets | 8.1105% | 6,005 |
| Core capital (leverage) ratio | 8.2174% | 5,845 |
| Tier 1 risk-based capital ratio | 10.5366% | 6,086 |
| Total risk-based capital ratio | 11.1992% | 6,227 |
| Memoranda: | ||
| Average total assets | $180,036,400 | 3,205 |
| Average earning assets | $160,156,800 | 3,278 |
| Average equity | $14,376,800 | 3,963 |
| Average total loans | $119,533,800 | 3,053 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5324% | 5,313 |
| Cost of funding earning assets | 0.2502% | 5,410 |
| Net interest margin | 3.2822% | 4,675 |
| Noninterest income to average assets | 4.0650% | 145 |
| Noninterest expense to average assets | 4.4693% | 475 |
| Loan and lease loss provision to assets | 0.1571% | 1,584 |
| Net operating income to assets | 2.3765% | 173 |
| Return on assets (ROA) | 2.3765% | 175 |
| Pretax return on assets | 2.3787% | 268 |
| Return on Equity (ROE) | 29.8800% | 61 |
| Retained earnings to average equity (ytd only) | 15.5578% | 183 |
| Net charge-offs to loans | 0.4897% | 795 |
| Credit loss provision to net charge-offs | 48.2838% | 3,133 |
| Earnings coverage of net charge-offs (x) | 7.7941% | 2,894 |
| Efficiency ratio | 63.2373% | 4,679 |
| Assets per employee ($millions) | 3.7809% | 4,330 |
| Cash dividends to net income (ytd only)* | 47.9324% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 2,516 |
| Loan loss allowance to noncurrent loans | 64.0416% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.0186% | 1,411 |
| Noncurrent loans to loans | 2.4131% | 1,232 |
| Net loans and leases to total assets | 68.5127% | 2,463 |
| Net loans and leases to deposits | 75.5264% | 3,238 |
| Net loans and leases to core deposits | 76.0083% | 3,741 |
| Total domestic deposits to total assets | 90.7136% | 449 |
| Equity capital to assets | 8.7468% | 5,596 |
| Core capital (leverage) ratio | 8.8700% | 5,235 |
| Tier 1 risk-based capital ratio | 11.3566% | 5,857 |
| Total risk-based capital ratio | 12.6083% | 5,791 |
| Memoranda: | ||
| Average total assets | $179,083,500 | 3,243 |
| Average earning assets | $160,414,750 | 3,300 |
| Average equity | $14,243,250 | 4,006 |
| Average total loans | $118,991,500 | 3,077 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5131% | 5,385 |
| Cost of funding earning assets | 0.2508% | 5,475 |
| Net interest margin | 3.2623% | 4,728 |
| Noninterest income to average assets | 4.2073% | 143 |
| Noninterest expense to average assets | 4.5214% | 442 |
| Loan and lease loss provision to assets | 0.2272% | 1,012 |
| Net operating income to assets | 2.3537% | 177 |
| Return on assets (ROA) | 2.3537% | 181 |
| Pretax return on assets | 2.3560% | 273 |
| Return on Equity (ROE) | 30.6010% | 54 |
| Retained earnings to average equity (ytd only) | 15.6843% | 185 |
| Net charge-offs to loans | 0.1090% | 2,579 |
| Credit loss provision to net charge-offs | 318.7500% | 814 |
| Earnings coverage of net charge-offs (x) | 36.2344% | 1,132 |
| Efficiency ratio | 63.0762% | 4,845 |
| Assets per employee ($millions) | 3.8488% | 4,161 |
| Cash dividends to net income (ytd only)* | 48.7459% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 1,640 |
| Loan loss allowance to noncurrent loans | 58.3397% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 2.5905% | 1,059 |
| Noncurrent loans to loans | 3.2136% | 879 |
| Net loans and leases to total assets | 65.8815% | 2,761 |
| Net loans and leases to deposits | 72.1237% | 3,553 |
| Net loans and leases to core deposits | 72.9171% | 3,951 |
| Total domestic deposits to total assets | 91.3452% | 294 |
| Equity capital to assets | 8.1949% | 6,029 |
| Core capital (leverage) ratio | 8.5456% | 5,591 |
| Tier 1 risk-based capital ratio | 10.9166% | 6,083 |
| Total risk-based capital ratio | 12.1709% | 6,027 |
| Memoranda: | ||
| Average total assets | $179,544,670 | 3,255 |
| Average earning assets | $159,460,000 | 3,328 |
| Average equity | $13,810,000 | 4,079 |
| Average total loans | $117,436,000 | 3,114 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4522% | 5,533 |
| Cost of funding earning assets | 0.2551% | 5,538 |
| Net interest margin | 3.1972% | 4,928 |
| Noninterest income to average assets | 4.7610% | 125 |
| Noninterest expense to average assets | 4.3003% | 552 |
| Loan and lease loss provision to assets | 0.3332% | 537 |
| Net operating income to assets | 2.9563% | 100 |
| Return on assets (ROA) | 2.9563% | 103 |
| Pretax return on assets | 2.9586% | 145 |
| Return on Equity (ROE) | 39.7504% | 32 |
| Retained earnings to average equity (ytd only) | 24.7162% | 58 |
| Net charge-offs to loans | 0.7035% | 511 |
| Credit loss provision to net charge-offs | 73.3990% | 1,964 |
| Earnings coverage of net charge-offs (x) | 7.2512% | 2,133 |
| Efficiency ratio | 56.1119% | 5,829 |
| Assets per employee ($millions) | 3.9665% | 4,014 |
| Cash dividends to net income (ytd only)* | 37.8215% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7675% | 2,136 |
| Loan loss allowance to noncurrent loans | 52.5082% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 2.8006% | 1,063 |
| Noncurrent loans to loans | 3.3662% | 894 |
| Net loans and leases to total assets | 63.4471% | 2,991 |
| Net loans and leases to deposits | 68.9895% | 3,744 |
| Net loans and leases to core deposits | 69.8836% | 4,107 |
| Total domestic deposits to total assets | 91.9664% | 246 |
| Equity capital to assets | 7.6340% | 6,258 |
| Core capital (leverage) ratio | 8.4495% | 5,700 |
| Tier 1 risk-based capital ratio | 10.8702% | 6,209 |
| Total risk-based capital ratio | 12.1228% | 6,156 |
| Memoranda: | ||
| Average total assets | $178,870,500 | 3,290 |
| Average earning assets | $158,391,000 | 3,370 |
| Average equity | $13,303,000 | 4,181 |
| Average total loans | $115,428,000 | 3,165 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3934% | 5,849 |
| Cost of funding earning assets | 0.3545% | 5,094 |
| Net interest margin | 3.0389% | 5,486 |
| Noninterest income to average assets | 3.3771% | 193 |
| Noninterest expense to average assets | 4.2220% | 685 |
| Loan and lease loss provision to assets | 0.5516% | 477 |
| Net operating income to assets | 1.3311% | 1,178 |
| Return on assets (ROA) | 1.3004% | 1,297 |
| Pretax return on assets | 1.3027% | 2,138 |
| Return on Equity (ROE) | 16.7681% | 530 |
| Retained earnings to average equity (ytd only) | 2.8375% | 4,225 |
| Net charge-offs to loans | -0.0096% | 6,013 |
| Credit loss provision to net charge-offs | -9,700.0000% | 6,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4730% | 4,105 |
| Assets per employee ($millions) | 3.8105% | 4,240 |
| Cash dividends to net income (ytd only)* | 83.0783% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8910% | 1,799 |
| Loan loss allowance to noncurrent loans | 54.0465% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 2.7966% | 1,171 |
| Noncurrent loans to loans | 3.4989% | 896 |
| Net loans and leases to total assets | 63.2529% | 3,172 |
| Net loans and leases to deposits | 68.4317% | 3,983 |
| Net loans and leases to core deposits | 69.3494% | 4,364 |
| Total domestic deposits to total assets | 92.4322% | 206 |
| Equity capital to assets | 7.2323% | 6,388 |
| Core capital (leverage) ratio | 8.2989% | 5,878 |
| Tier 1 risk-based capital ratio | 10.8103% | 6,258 |
| Total risk-based capital ratio | 12.0649% | 6,206 |
| Memoranda: | ||
| Average total assets | $175,863,200 | 3,324 |
| Average earning assets | $157,984,200 | 3,377 |
| Average equity | $13,639,000 | 4,136 |
| Average total loans | $103,667,200 | 3,371 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3901% | 5,902 |
| Cost of funding earning assets | 0.3716% | 5,083 |
| Net interest margin | 3.0185% | 5,547 |
| Noninterest income to average assets | 3.3149% | 212 |
| Noninterest expense to average assets | 3.9853% | 874 |
| Loan and lease loss provision to assets | 0.6151% | 388 |
| Net operating income to assets | 1.4196% | 1,057 |
| Return on assets (ROA) | 1.4317% | 1,084 |
| Pretax return on assets | 1.4340% | 1,822 |
| Return on Equity (ROE) | 18.1558% | 428 |
| Retained earnings to average equity (ytd only) | 3.7465% | 4,023 |
| Net charge-offs to loans | -0.0105% | 5,899 |
| Credit loss provision to net charge-offs | -10,150.0000% | 6,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5094% | 4,573 |
| Assets per employee ($millions) | 3.9692% | 3,893 |
| Cash dividends to net income (ytd only)* | 79.3650% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8840% | 2,045 |
| Loan loss allowance to noncurrent loans | 63.5079% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.3253% | 1,696 |
| Noncurrent loans to loans | 2.9665% | 1,368 |
| Net loans and leases to total assets | 58.9551% | 3,861 |
| Net loans and leases to deposits | 65.0865% | 4,395 |
| Net loans and leases to core deposits | 66.0807% | 4,704 |
| Total domestic deposits to total assets | 90.5796% | 712 |
| Equity capital to assets | 7.3184% | 6,453 |
| Core capital (leverage) ratio | 8.3496% | 5,918 |
| Tier 1 risk-based capital ratio | 11.3467% | 6,130 |
| Total risk-based capital ratio | 12.6081% | 6,094 |
| Memoranda: | ||
| Average total assets | $176,008,500 | 3,349 |
| Average earning assets | $157,867,500 | 3,411 |
| Average equity | $13,879,500 | 4,138 |
| Average total loans | $101,332,000 | 3,447 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3976% | 5,915 |
| Cost of funding earning assets | 0.3897% | 5,032 |
| Net interest margin | 3.0078% | 5,557 |
| Noninterest income to average assets | 3.2460% | 226 |
| Noninterest expense to average assets | 4.1323% | 752 |
| Loan and lease loss provision to assets | 0.3831% | 834 |
| Net operating income to assets | 1.4224% | 1,032 |
| Return on assets (ROA) | 1.4405% | 1,081 |
| Pretax return on assets | 1.4428% | 1,791 |
| Return on Equity (ROE) | 17.8440% | 471 |
| Retained earnings to average equity (ytd only) | 2.4007% | 4,772 |
| Net charge-offs to loans | -0.0080% | 5,724 |
| Credit loss provision to net charge-offs | -8,450.0000% | 6,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8800% | 4,030 |
| Assets per employee ($millions) | 4.1512% | 3,467 |
| Cash dividends to net income (ytd only)* | 86.5460% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4613% | 3,761 |
| Loan loss allowance to noncurrent loans | 47.7997% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 2.3424% | 1,833 |
| Noncurrent loans to loans | 3.0570% | 1,454 |
| Net loans and leases to total assets | 57.9773% | 3,989 |
| Net loans and leases to deposits | 63.0845% | 4,612 |
| Net loans and leases to core deposits | 65.5560% | 4,736 |
| Total domestic deposits to total assets | 91.9043% | 267 |
| Equity capital to assets | 7.6621% | 6,386 |
| Core capital (leverage) ratio | 8.1572% | 6,055 |
| Tier 1 risk-based capital ratio | 11.3878% | 6,163 |
| Total risk-based capital ratio | 12.5922% | 6,149 |
| Memoranda: | ||
| Average total assets | $176,463,670 | 3,354 |
| Average earning assets | $158,054,330 | 3,426 |
| Average equity | $14,245,670 | 4,099 |
| Average total loans | $100,130,000 | 3,488 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4131% | 5,914 |
| Cost of funding earning assets | 0.4066% | 5,040 |
| Net interest margin | 3.0066% | 5,550 |
| Noninterest income to average assets | 2.6363% | 296 |
| Noninterest expense to average assets | 4.0086% | 879 |
| Loan and lease loss provision to assets | 0.3943% | 790 |
| Net operating income to assets | 0.9306% | 2,520 |
| Return on assets (ROA) | 0.8991% | 2,811 |
| Pretax return on assets | 0.9013% | 3,759 |
| Return on Equity (ROE) | 10.8653% | 1,749 |
| Retained earnings to average equity (ytd only) | 2.6959% | 4,671 |
| Net charge-offs to loans | -0.0040% | 5,226 |
| Credit loss provision to net charge-offs | -17,500.0000% | 5,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3666% | 3,198 |
| Assets per employee ($millions) | 4.0572% | 3,833 |
| Cash dividends to net income (ytd only)* | 75.1880% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 4,500 |
| Loan loss allowance to noncurrent loans | 42.1835% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 2.3547% | 1,974 |
| Noncurrent loans to loans | 3.1824% | 1,550 |
| Net loans and leases to total assets | 56.1521% | 4,057 |
| Net loans and leases to deposits | 61.5972% | 4,604 |
| Net loans and leases to core deposits | 64.2035% | 4,722 |
| Total domestic deposits to total assets | 91.1602% | 461 |
| Equity capital to assets | 8.4174% | 6,084 |
| Core capital (leverage) ratio | 8.0962% | 6,048 |
| Tier 1 risk-based capital ratio | 11.9851% | 5,922 |
| Total risk-based capital ratio | 13.1194% | 5,958 |
| Memoranda: | ||
| Average total assets | $177,520,000 | 3,381 |
| Average earning assets | $159,384,500 | 3,441 |
| Average equity | $14,689,000 | 4,056 |
| Average total loans | $98,903,500 | 3,536 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8496% | 5,709 |
| Cost of funding earning assets | 0.5450% | 4,859 |
| Net interest margin | 3.3046% | 5,232 |
| Noninterest income to average assets | 2.8298% | 274 |
| Noninterest expense to average assets | 4.3495% | 650 |
| Loan and lease loss provision to assets | 0.3307% | 2,055 |
| Net operating income to assets | 1.1575% | 1,746 |
| Return on assets (ROA) | 1.4248% | 1,171 |
| Pretax return on assets | 1.4283% | 1,943 |
| Return on Equity (ROE) | 16.4679% | 598 |
| Retained earnings to average equity (ytd only) | 4.5426% | 3,025 |
| Net charge-offs to loans | 0.4347% | 2,498 |
| Credit loss provision to net charge-offs | 124.5614% | 2,278 |
| Earnings coverage of net charge-offs (x) | 5.6184% | 2,990 |
| Efficiency ratio | 73.7540% | 3,102 |
| Assets per employee ($millions) | 4.1995% | 3,548 |
| Cash dividends to net income (ytd only)* | 72.4152% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,237 |
| Loan loss allowance to noncurrent loans | 36.2469% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 2.2926% | 2,141 |
| Noncurrent loans to loans | 3.2402% | 1,592 |
| Net loans and leases to total assets | 53.9118% | 4,630 |
| Net loans and leases to deposits | 60.7988% | 4,936 |
| Net loans and leases to core deposits | 64.5823% | 4,893 |
| Total domestic deposits to total assets | 88.6726% | 1,789 |
| Equity capital to assets | 8.1366% | 6,334 |
| Core capital (leverage) ratio | 8.0851% | 6,107 |
| Tier 1 risk-based capital ratio | 11.8417% | 5,882 |
| Total risk-based capital ratio | 12.8226% | 6,014 |
| Memoranda: | ||
| Average total assets | $171,743,200 | 3,430 |
| Average earning assets | $156,509,200 | 3,428 |
| Average equity | $14,859,200 | 3,995 |
| Average total loans | $104,898,000 | 3,400 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 5,634 |
| Cost of funding earning assets | 0.5807% | 4,834 |
| Net interest margin | 3.3798% | 5,092 |
| Noninterest income to average assets | 2.7958% | 272 |
| Noninterest expense to average assets | 4.3522% | 628 |
| Loan and lease loss provision to assets | 0.1541% | 3,598 |
| Net operating income to assets | 1.3708% | 1,287 |
| Return on assets (ROA) | 1.6162% | 901 |
| Pretax return on assets | 1.6201% | 1,509 |
| Return on Equity (ROE) | 18.3879% | 458 |
| Retained earnings to average equity (ytd only) | 7.0062% | 2,128 |
| Net charge-offs to loans | -0.0401% | 6,653 |
| Credit loss provision to net charge-offs | -612.5000% | 6,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2950% | 3,102 |
| Assets per employee ($millions) | 3.9468% | 3,982 |
| Cash dividends to net income (ytd only)* | 61.8979% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 4,986 |
| Loan loss allowance to noncurrent loans | 30.8457% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 2.7075% | 1,954 |
| Noncurrent loans to loans | 4.0957% | 1,233 |
| Net loans and leases to total assets | 58.6232% | 4,019 |
| Net loans and leases to deposits | 64.8591% | 4,614 |
| Net loans and leases to core deposits | 69.5331% | 4,556 |
| Total domestic deposits to total assets | 90.3854% | 637 |
| Equity capital to assets | 9.0242% | 5,803 |
| Core capital (leverage) ratio | 8.2750% | 6,056 |
| Tier 1 risk-based capital ratio | 11.9244% | 5,977 |
| Total risk-based capital ratio | 13.0043% | 6,059 |
| Memoranda: | ||
| Average total assets | $169,534,000 | 3,496 |
| Average earning assets | $154,758,250 | 3,505 |
| Average equity | $14,900,750 | 4,028 |
| Average total loans | $106,494,750 | 3,403 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9936% | 5,657 |
| Cost of funding earning assets | 0.6331% | 4,597 |
| Net interest margin | 3.3605% | 5,230 |
| Noninterest income to average assets | 2.7815% | 263 |
| Noninterest expense to average assets | 4.3416% | 626 |
| Loan and lease loss provision to assets | 0.1511% | 3,638 |
| Net operating income to assets | 1.3536% | 1,304 |
| Return on assets (ROA) | 1.7194% | 726 |
| Pretax return on assets | 1.7241% | 1,198 |
| Return on Equity (ROE) | 19.7390% | 373 |
| Retained earnings to average equity (ytd only) | 7.9254% | 1,667 |
| Net charge-offs to loans | -0.0535% | 6,681 |
| Credit loss provision to net charge-offs | -441.3793% | 6,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4974% | 3,160 |
| Assets per employee ($millions) | 3.7391% | 4,442 |
| Cash dividends to net income (ytd only)* | 59.8490% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 5,669 |
| Loan loss allowance to noncurrent loans | 34.9724% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 2.1239% | 2,635 |
| Noncurrent loans to loans | 3.2168% | 1,809 |
| Net loans and leases to total assets | 61.4214% | 3,547 |
| Net loans and leases to deposits | 67.6622% | 4,255 |
| Net loans and leases to core deposits | 72.5177% | 4,241 |
| Total domestic deposits to total assets | 90.7766% | 533 |
| Equity capital to assets | 8.6699% | 6,058 |
| Core capital (leverage) ratio | 8.1168% | 6,146 |
| Tier 1 risk-based capital ratio | 11.2183% | 6,387 |
| Total risk-based capital ratio | 12.1924% | 6,504 |
| Memoranda: | ||
| Average total assets | $169,475,000 | 3,503 |
| Average earning assets | $154,799,000 | 3,523 |
| Average equity | $14,762,670 | 4,041 |
| Average total loans | $108,405,330 | 3,371 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 5,412 |
| Cost of funding earning assets | 0.6988% | 4,291 |
| Net interest margin | 3.4126% | 5,068 |
| Noninterest income to average assets | 3.1270% | 229 |
| Noninterest expense to average assets | 4.4158% | 590 |
| Loan and lease loss provision to assets | 0.1569% | 3,417 |
| Net operating income to assets | 1.6479% | 798 |
| Return on assets (ROA) | 1.7763% | 705 |
| Pretax return on assets | 1.7834% | 1,111 |
| Return on Equity (ROE) | 20.3431% | 368 |
| Retained earnings to average equity (ytd only) | 20.3431% | 183 |
| Net charge-offs to loans | -0.0256% | 6,275 |
| Credit loss provision to net charge-offs | -942.8571% | 5,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2176% | 3,769 |
| Assets per employee ($millions) | 3.6066% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 6,146 |
| Loan loss allowance to noncurrent loans | 75.4895% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.0172% | 4,455 |
| Noncurrent loans to loans | 1.3654% | 4,073 |
| Net loans and leases to total assets | 62.0080% | 3,255 |
| Net loans and leases to deposits | 68.3456% | 4,001 |
| Net loans and leases to core deposits | 72.1253% | 4,135 |
| Total domestic deposits to total assets | 90.7271% | 675 |
| Equity capital to assets | 8.7212% | 5,848 |
| Core capital (leverage) ratio | 8.3102% | 5,858 |
| Tier 1 risk-based capital ratio | 11.1153% | 6,484 |
| Total risk-based capital ratio | 12.0039% | 6,632 |
| Memoranda: | ||
| Average total assets | $168,214,000 | 3,549 |
| Average earning assets | $152,844,000 | 3,571 |
| Average equity | $14,688,000 | 4,057 |
| Average total loans | $109,185,500 | 3,373 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3819% | 5,491 |
| Cost of funding earning assets | 0.8045% | 4,834 |
| Net interest margin | 3.5774% | 4,819 |
| Noninterest income to average assets | 2.6316% | 251 |
| Noninterest expense to average assets | 3.9691% | 1,085 |
| Loan and lease loss provision to assets | 0.7239% | 1,408 |
| Net operating income to assets | 1.1733% | 1,592 |
| Return on assets (ROA) | 1.1907% | 1,646 |
| Pretax return on assets | 1.1944% | 2,483 |
| Return on Equity (ROE) | 13.2834% | 1,096 |
| Retained earnings to average equity (ytd only) | 3.8468% | 3,474 |
| Net charge-offs to loans | 0.8041% | 2,150 |
| Credit loss provision to net charge-offs | 133.6782% | 2,264 |
| Earnings coverage of net charge-offs (x) | 3.5103% | 3,489 |
| Efficiency ratio | 66.8646% | 4,599 |
| Assets per employee ($millions) | 3.2662% | 5,588 |
| Cash dividends to net income (ytd only)* | 71.0403% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 6,396 |
| Loan loss allowance to noncurrent loans | 69.8529% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.0875% | 4,443 |
| Noncurrent loans to loans | 1.3612% | 4,103 |
| Net loans and leases to total assets | 66.6591% | 2,651 |
| Net loans and leases to deposits | 73.3758% | 3,603 |
| Net loans and leases to core deposits | 78.4985% | 3,626 |
| Total domestic deposits to total assets | 90.8462% | 567 |
| Equity capital to assets | 8.7429% | 5,856 |
| Core capital (leverage) ratio | 7.9952% | 6,282 |
| Tier 1 risk-based capital ratio | 10.6208% | 6,634 |
| Total risk-based capital ratio | 11.4603% | 6,779 |
| Memoranda: | ||
| Average total assets | $160,664,400 | 3,620 |
| Average earning assets | $145,439,800 | 3,647 |
| Average equity | $14,401,400 | 4,031 |
| Average total loans | $108,200,800 | 3,423 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 5,622 |
| Cost of funding earning assets | 0.8315% | 4,936 |
| Net interest margin | 3.5629% | 4,927 |
| Noninterest income to average assets | 2.6790% | 250 |
| Noninterest expense to average assets | 3.8565% | 1,218 |
| Loan and lease loss provision to assets | 0.3350% | 2,869 |
| Net operating income to assets | 1.6941% | 639 |
| Return on assets (ROA) | 1.7174% | 657 |
| Pretax return on assets | 1.7208% | 1,096 |
| Return on Equity (ROE) | 19.0402% | 379 |
| Retained earnings to average equity (ytd only) | 10.7257% | 674 |
| Net charge-offs to loans | 0.2907% | 3,633 |
| Credit loss provision to net charge-offs | 171.0638% | 1,763 |
| Earnings coverage of net charge-offs (x) | 10.3786% | 1,927 |
| Efficiency ratio | 64.7375% | 4,947 |
| Assets per employee ($millions) | 3.5145% | 4,952 |
| Cash dividends to net income (ytd only)* | 43.6681% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8105% | 6,803 |
| Loan loss allowance to noncurrent loans | 170.5009% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 5,805 |
| Noncurrent loans to loans | 0.4754% | 5,895 |
| Net loans and leases to total assets | 68.0865% | 2,478 |
| Net loans and leases to deposits | 75.4102% | 3,431 |
| Net loans and leases to core deposits | 80.3920% | 3,581 |
| Total domestic deposits to total assets | 90.2882% | 726 |
| Equity capital to assets | 9.2099% | 5,499 |
| Core capital (leverage) ratio | 8.5209% | 5,679 |
| Tier 1 risk-based capital ratio | 10.8615% | 6,626 |
| Total risk-based capital ratio | 11.5843% | 6,832 |
| Memoranda: | ||
| Average total assets | $160,003,000 | 3,652 |
| Average earning assets | $144,149,250 | 3,695 |
| Average equity | $14,432,250 | 4,047 |
| Average total loans | $107,774,500 | 3,468 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3250% | 5,935 |
| Cost of funding earning assets | 0.8547% | 5,029 |
| Net interest margin | 3.4703% | 5,289 |
| Noninterest income to average assets | 2.4779% | 276 |
| Noninterest expense to average assets | 3.8970% | 1,199 |
| Loan and lease loss provision to assets | 0.2098% | 3,819 |
| Net operating income to assets | 1.5151% | 858 |
| Return on assets (ROA) | 1.5151% | 921 |
| Pretax return on assets | 1.5163% | 1,490 |
| Return on Equity (ROE) | 16.9207% | 559 |
| Retained earnings to average equity (ytd only) | 10.5701% | 737 |
| Net charge-offs to loans | -0.1813% | 7,279 |
| Credit loss provision to net charge-offs | -172.9167% | 6,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4944% | 4,424 |
| Assets per employee ($millions) | 3.6678% | 4,522 |
| Cash dividends to net income (ytd only)* | 37.5313% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 6,667 |
| Loan loss allowance to noncurrent loans | 113.4228% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 5,157 |
| Noncurrent loans to loans | 0.7908% | 5,331 |
| Net loans and leases to total assets | 69.4190% | 2,337 |
| Net loans and leases to deposits | 76.8670% | 3,310 |
| Net loans and leases to core deposits | 82.1604% | 3,476 |
| Total domestic deposits to total assets | 90.3105% | 809 |
| Equity capital to assets | 9.1578% | 5,341 |
| Core capital (leverage) ratio | 8.3121% | 5,852 |
| Tier 1 risk-based capital ratio | 10.4510% | 6,807 |
| Total risk-based capital ratio | 11.2429% | 6,981 |
| Memoranda: | ||
| Average total assets | $158,277,000 | 3,710 |
| Average earning assets | $143,446,000 | 3,734 |
| Average equity | $14,172,000 | 4,091 |
| Average total loans | $105,904,330 | 3,545 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1701% | 6,350 |
| Cost of funding earning assets | 0.8801% | 5,066 |
| Net interest margin | 3.2900% | 5,816 |
| Noninterest income to average assets | 2.3583% | 293 |
| Noninterest expense to average assets | 3.8717% | 1,218 |
| Loan and lease loss provision to assets | 0.1353% | 4,320 |
| Net operating income to assets | 1.3629% | 1,130 |
| Return on assets (ROA) | 1.3629% | 1,182 |
| Pretax return on assets | 1.3757% | 1,793 |
| Return on Equity (ROE) | 15.4018% | 758 |
| Retained earnings to average equity (ytd only) | 15.4018% | 358 |
| Net charge-offs to loans | 0.0274% | 4,708 |
| Credit loss provision to net charge-offs | 757.1429% | 498 |
| Earnings coverage of net charge-offs (x) | 84.5714% | 362 |
| Efficiency ratio | 71.0763% | 4,040 |
| Assets per employee ($millions) | 3.5774% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7898% | 6,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 6,690 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 60.9143% | 4,093 |
| Net loans and leases to deposits | 66.9977% | 4,827 |
| Net loans and leases to core deposits | 70.4749% | 4,983 |
| Total domestic deposits to total assets | 90.9200% | 669 |
| Equity capital to assets | 8.6018% | 5,773 |
| Core capital (leverage) ratio | 8.4004% | 5,626 |
| Tier 1 risk-based capital ratio | 11.2521% | 6,305 |
| Total risk-based capital ratio | 11.9351% | 6,686 |
| Memoranda: | ||
| Average total assets | $156,725,000 | 3,762 |
| Average earning assets | $144,073,500 | 3,751 |
| Average equity | $13,868,500 | 4,135 |
| Average total loans | $102,335,000 | 3,660 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6767% | 5,876 |
| Cost of funding earning assets | 0.9980% | 5,706 |
| Net interest margin | 3.6787% | 4,449 |
| Noninterest income to average assets | 2.8448% | 243 |
| Noninterest expense to average assets | 4.2469% | 862 |
| Loan and lease loss provision to assets | 0.5852% | 2,794 |
| Net operating income to assets | 1.3674% | 1,014 |
| Return on assets (ROA) | 1.4524% | 920 |
| Pretax return on assets | 1.4601% | 1,480 |
| Return on Equity (ROE) | 15.4101% | 661 |
| Retained earnings to average equity (ytd only) | 8.7423% | 770 |
| Net charge-offs to loans | 0.8877% | 2,415 |
| Credit loss provision to net charge-offs | 94.2632% | 4,930 |
| Earnings coverage of net charge-offs (x) | 3.1564% | 3,490 |
| Efficiency ratio | 67.8330% | 4,595 |
| Assets per employee ($millions) | 3.1679% | 5,737 |
| Cash dividends to net income (ytd only)* | 43.2692% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7256% | 7,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2055% | 6,708 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 69.0975% | 2,740 |
| Net loans and leases to deposits | 76.4390% | 3,777 |
| Net loans and leases to core deposits | 80.2427% | 4,175 |
| Total domestic deposits to total assets | 90.3957% | 891 |
| Equity capital to assets | 9.1221% | 4,961 |
| Core capital (leverage) ratio | 8.4760% | 5,407 |
| Tier 1 risk-based capital ratio | 10.8502% | 6,450 |
| Total risk-based capital ratio | 11.4980% | 6,825 |
| Memoranda: | ||
| Average total assets | $143,208,800 | 4,003 |
| Average earning assets | $130,862,600 | 3,995 |
| Average equity | $13,497,600 | 4,260 |
| Average total loans | $100,149,000 | 3,786 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 6,113 |
| Cost of funding earning assets | 1.0119% | 5,886 |
| Net interest margin | 3.6608% | 4,591 |
| Noninterest income to average assets | 2.9442% | 225 |
| Noninterest expense to average assets | 4.2457% | 782 |
| Loan and lease loss provision to assets | 0.2041% | 5,014 |
| Net operating income to assets | 1.8365% | 462 |
| Return on assets (ROA) | 1.9522% | 402 |
| Pretax return on assets | 1.9578% | 684 |
| Return on Equity (ROE) | 20.5389% | 282 |
| Retained earnings to average equity (ytd only) | 17.5709% | 118 |
| Net charge-offs to loans | 0.1074% | 5,469 |
| Credit loss provision to net charge-offs | 271.2500% | 1,208 |
| Earnings coverage of net charge-offs (x) | 27.2010% | 938 |
| Efficiency ratio | 66.9407% | 4,668 |
| Assets per employee ($millions) | 3.1936% | 5,688 |
| Cash dividends to net income (ytd only)* | 14.4509% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 6,828 |
| Loan loss allowance to noncurrent loans | 110.3286% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 5,527 |
| Noncurrent loans to loans | 0.7915% | 5,626 |
| Net loans and leases to total assets | 72.6366% | 2,091 |
| Net loans and leases to deposits | 81.0891% | 3,247 |
| Net loans and leases to core deposits | 85.7214% | 3,697 |
| Total domestic deposits to total assets | 89.5762% | 1,079 |
| Equity capital to assets | 9.8888% | 4,305 |
| Core capital (leverage) ratio | 8.9513% | 4,759 |
| Tier 1 risk-based capital ratio | 11.0060% | 6,381 |
| Total risk-based capital ratio | 11.7913% | 6,731 |
| Memoranda: | ||
| Average total assets | $141,788,250 | 4,083 |
| Average earning assets | $129,657,750 | 4,077 |
| Average equity | $13,476,500 | 4,332 |
| Average total loans | $99,278,250 | 3,878 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 6,368 |
| Cost of funding earning assets | 1.0377% | 5,971 |
| Net interest margin | 3.5945% | 4,838 |
| Noninterest income to average assets | 2.6056% | 258 |
| Noninterest expense to average assets | 4.1861% | 824 |
| Loan and lease loss provision to assets | 0.1499% | 5,400 |
| Net operating income to assets | 1.5519% | 812 |
| Return on assets (ROA) | 1.6048% | 773 |
| Pretax return on assets | 1.6062% | 1,287 |
| Return on Equity (ROE) | 17.1259% | 556 |
| Retained earnings to average equity (ytd only) | 17.1259% | 151 |
| Net charge-offs to loans | 0.0290% | 5,929 |
| Credit loss provision to net charge-offs | 750.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 85.2143% | 377 |
| Efficiency ratio | 70.6424% | 4,052 |
| Assets per employee ($millions) | 3.3864% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8740% | 6,841 |
| Loan loss allowance to noncurrent loans | 135.4545% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 5,872 |
| Noncurrent loans to loans | 0.6452% | 5,964 |
| Net loans and leases to total assets | 68.0519% | 3,349 |
| Net loans and leases to deposits | 75.4152% | 4,435 |
| Net loans and leases to core deposits | 81.1846% | 4,530 |
| Total domestic deposits to total assets | 90.2363% | 805 |
| Equity capital to assets | 9.2952% | 5,013 |
| Core capital (leverage) ratio | 8.4210% | 5,541 |
| Tier 1 risk-based capital ratio | 10.8861% | 6,365 |
| Total risk-based capital ratio | 11.6643% | 6,737 |
| Memoranda: | ||
| Average total assets | $140,083,000 | 4,136 |
| Average earning assets | $127,971,670 | 4,136 |
| Average equity | $13,126,330 | 4,408 |
| Average total loans | $96,489,000 | 4,002 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 6,499 |
| Cost of funding earning assets | 1.0555% | 6,110 |
| Net interest margin | 3.5655% | 4,879 |
| Noninterest income to average assets | 2.1589% | 306 |
| Noninterest expense to average assets | 4.2352% | 777 |
| Loan and lease loss provision to assets | 0.0619% | 6,023 |
| Net operating income to assets | 1.1148% | 1,782 |
| Return on assets (ROA) | 1.1148% | 1,866 |
| Pretax return on assets | 1.1296% | 2,633 |
| Return on Equity (ROE) | 11.8454% | 1,535 |
| Retained earnings to average equity (ytd only) | 11.8454% | 773 |
| Net charge-offs to loans | 0.0470% | 4,937 |
| Credit loss provision to net charge-offs | 190.9091% | 1,930 |
| Earnings coverage of net charge-offs (x) | 36.7273% | 746 |
| Efficiency ratio | 78.0435% | 2,888 |
| Assets per employee ($millions) | 3.1964% | 5,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 7,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 6,940 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 65.0294% | 4,092 |
| Net loans and leases to deposits | 71.6590% | 5,098 |
| Net loans and leases to core deposits | 75.7823% | 5,290 |
| Total domestic deposits to total assets | 90.7485% | 631 |
| Equity capital to assets | 8.8061% | 5,544 |
| Core capital (leverage) ratio | 8.3867% | 5,589 |
| Tier 1 risk-based capital ratio | 10.6074% | 6,534 |
| Total risk-based capital ratio | 11.3419% | 6,963 |
| Memoranda: | ||
| Average total assets | $135,624,000 | 4,289 |
| Average earning assets | $124,301,500 | 4,275 |
| Average equity | $12,764,500 | 4,531 |
| Average total loans | $93,587,500 | 4,131 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 7,206 |
| Cost of funding earning assets | 1.3205% | 6,240 |
| Net interest margin | 3.3334% | 5,611 |
| Noninterest income to average assets | 2.3997% | 291 |
| Noninterest expense to average assets | 4.5489% | 758 |
| Loan and lease loss provision to assets | 0.0671% | 6,905 |
| Net operating income to assets | 0.8282% | 2,420 |
| Return on assets (ROA) | 0.8282% | 2,511 |
| Pretax return on assets | 0.8350% | 3,130 |
| Return on Equity (ROE) | 9.6069% | 1,816 |
| Retained earnings to average equity (ytd only) | 3.6949% | 2,606 |
| Net charge-offs to loans | 0.0192% | 6,955 |
| Credit loss provision to net charge-offs | 464.7059% | 668 |
| Earnings coverage of net charge-offs (x) | 62.4706% | 433 |
| Efficiency ratio | 83.4502% | 2,422 |
| Assets per employee ($millions) | 2.9575% | 6,327 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 6,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 72.4103% | 2,662 |
| Net loans and leases to deposits | 81.0217% | 3,793 |
| Net loans and leases to core deposits | 90.6309% | 5,058 |
| Total domestic deposits to total assets | 89.3715% | 1,282 |
| Equity capital to assets | 10.1286% | 3,590 |
| Core capital (leverage) ratio | 10.5007% | 2,606 |
| Tier 1 risk-based capital ratio | 12.2472% | 4,726 |
| Total risk-based capital ratio | 13.0383% | 5,083 |
| Memoranda: | ||
| Average total assets | $117,720,600 | 4,640 |
| Average earning assets | $107,758,800 | 4,638 |
| Average equity | $10,149,000 | 5,255 |
| Average total loans | $88,661,200 | 4,250 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6523% | 7,349 |
| Cost of funding earning assets | 1.3918% | 6,261 |
| Net interest margin | 3.2605% | 5,787 |
| Noninterest income to average assets | 2.4370% | 275 |
| Noninterest expense to average assets | 4.5581% | 692 |
| Loan and lease loss provision to assets | 0.0678% | 6,688 |
| Net operating income to assets | 0.7913% | 2,848 |
| Return on assets (ROA) | 0.7913% | 2,913 |
| Pretax return on assets | 0.7947% | 3,556 |
| Return on Equity (ROE) | 9.6283% | 2,056 |
| Retained earnings to average equity (ytd only) | 1.2437% | 4,628 |
| Net charge-offs to loans | 0.0197% | 6,631 |
| Credit loss provision to net charge-offs | 453.8462% | 872 |
| Earnings coverage of net charge-offs (x) | 57.7790% | 567 |
| Efficiency ratio | 84.0890% | 2,287 |
| Assets per employee ($millions) | 2.7261% | 6,794 |
| Cash dividends to net income (ytd only)* | 87.0831% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 6,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 77.3396% | 1,711 |
| Net loans and leases to deposits | 85.7885% | 3,357 |
| Net loans and leases to core deposits | 95.8977% | 4,827 |
| Total domestic deposits to total assets | 90.1515% | 712 |
| Equity capital to assets | 8.5785% | 6,141 |
| Core capital (leverage) ratio | 8.1988% | 6,016 |
| Tier 1 risk-based capital ratio | 9.7647% | 7,172 |
| Total risk-based capital ratio | 10.5698% | 7,472 |
| Memoranda: | ||
| Average total assets | $116,097,500 | 4,696 |
| Average earning assets | $106,238,750 | 4,702 |
| Average equity | $9,541,000 | 5,480 |
| Average total loans | $88,140,000 | 4,303 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 7,573 |
| Cost of funding earning assets | 1.4528% | 6,319 |
| Net interest margin | 3.1096% | 6,202 |
| Noninterest income to average assets | 2.4470% | 273 |
| Noninterest expense to average assets | 4.5288% | 758 |
| Loan and lease loss provision to assets | 0.0686% | 6,516 |
| Net operating income to assets | 0.7031% | 3,237 |
| Return on assets (ROA) | 0.7031% | 3,344 |
| Pretax return on assets | 0.6979% | 3,999 |
| Return on Equity (ROE) | 8.6797% | 2,486 |
| Retained earnings to average equity (ytd only) | -4.0223% | 6,143 |
| Net charge-offs to loans | 0.0251% | 6,132 |
| Credit loss provision to net charge-offs | 363.6364% | 1,272 |
| Earnings coverage of net charge-offs (x) | 40.6364% | 802 |
| Efficiency ratio | 85.5246% | 2,281 |
| Assets per employee ($millions) | 2.7778% | 6,683 |
| Cash dividends to net income (ytd only)* | 146.3415% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 6,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 73.8829% | 2,735 |
| Net loans and leases to deposits | 80.9650% | 4,397 |
| Net loans and leases to core deposits | 88.6463% | 5,666 |
| Total domestic deposits to total assets | 91.2529% | 390 |
| Equity capital to assets | 8.1274% | 6,598 |
| Core capital (leverage) ratio | 7.9835% | 6,363 |
| Tier 1 risk-based capital ratio | 9.5547% | 7,345 |
| Total risk-based capital ratio | 10.3488% | 7,653 |
| Memoranda: | ||
| Average total assets | $116,631,670 | 4,716 |
| Average earning assets | $106,830,670 | 4,701 |
| Average equity | $9,447,330 | 5,527 |
| Average total loans | $87,741,000 | 4,341 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 7,644 |
| Cost of funding earning assets | 1.6058% | 6,013 |
| Net interest margin | 2.9678% | 6,564 |
| Noninterest income to average assets | 2.6069% | 235 |
| Noninterest expense to average assets | 4.6547% | 613 |
| Loan and lease loss provision to assets | 0.0686% | 6,090 |
| Net operating income to assets | 0.6243% | 3,917 |
| Return on assets (ROA) | 0.6243% | 4,096 |
| Pretax return on assets | 0.5968% | 4,759 |
| Return on Equity (ROE) | 7.7200% | 3,275 |
| Retained earnings to average equity (ytd only) | -17.7306% | 7,574 |
| Net charge-offs to loans | 0.0182% | 5,319 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 748 |
| Efficiency ratio | 87.4919% | 1,935 |
| Assets per employee ($millions) | 2.8416% | 6,549 |
| Cash dividends to net income (ytd only)* | 329.6703% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 6,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 73.4258% | 2,908 |
| Net loans and leases to deposits | 80.3049% | 4,563 |
| Net loans and leases to core deposits | 87.5139% | 5,782 |
| Total domestic deposits to total assets | 91.4338% | 290 |
| Equity capital to assets | 7.9353% | 6,908 |
| Core capital (leverage) ratio | 7.7436% | 6,829 |
| Tier 1 risk-based capital ratio | 9.5055% | 7,422 |
| Total risk-based capital ratio | 10.3018% | 7,783 |
| Memoranda: | ||
| Average total assets | $116,614,000 | 4,737 |
| Average earning assets | $106,612,000 | 4,731 |
| Average equity | $9,430,000 | 5,556 |
| Average total loans | $88,128,000 | 4,353 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6806% | 6,836 |
| Cost of funding earning assets | 2.2058% | 5,571 |
| Net interest margin | 3.4747% | 5,383 |
| Noninterest income to average assets | 3.1868% | 187 |
| Noninterest expense to average assets | 4.7234% | 749 |
| Loan and lease loss provision to assets | 0.0801% | 6,394 |
| Net operating income to assets | 1.4913% | 1,044 |
| Return on assets (ROA) | 1.5160% | 957 |
| Pretax return on assets | 1.5448% | 1,553 |
| Return on Equity (ROE) | 18.0445% | 522 |
| Retained earnings to average equity (ytd only) | 4.1229% | 2,563 |
| Net charge-offs to loans | 0.0331% | 6,361 |
| Credit loss provision to net charge-offs | 329.6296% | 1,372 |
| Earnings coverage of net charge-offs (x) | 65.8519% | 611 |
| Efficiency ratio | 74.7012% | 3,458 |
| Assets per employee ($millions) | 2.7145% | 6,748 |
| Cash dividends to net income (ytd only)* | 77.1513% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8237% | 7,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 76.4316% | 2,515 |
| Net loans and leases to deposits | 83.9022% | 4,435 |
| Net loans and leases to core deposits | 91.7981% | 5,661 |
| Total domestic deposits to total assets | 91.0961% | 303 |
| Equity capital to assets | 8.2374% | 6,500 |
| Core capital (leverage) ratio | 8.4679% | 5,627 |
| Tier 1 risk-based capital ratio | 9.4417% | 7,372 |
| Total risk-based capital ratio | 10.1816% | 7,841 |
| Memoranda: | ||
| Average total assets | $111,147,600 | 4,744 |
| Average earning assets | $100,324,200 | 4,795 |
| Average equity | $9,338,000 | 5,624 |
| Average total loans | $81,656,200 | 4,467 |