Home > Delta Bank > Performance and Condition Ratios
Delta Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1612% | 1,737 |
| Cost of funding earning assets | 1.5952% | 1,705 |
| Net interest margin | 3.5660% | 2,030 |
| Noninterest income to average assets | 1.5900% | 364 |
| Noninterest expense to average assets | 2.5973% | 2,013 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 2.2778% | 308 |
| Return on assets (ROA) | 2.2887% | 297 |
| Pretax return on assets | 2.2887% | 442 |
| Return on Equity (ROE) | 23.9400% | 355 |
| Retained earnings to average equity (ytd only) | 5.7871% | 2,323 |
| Net charge-offs to loans | 0.1089% | 856 |
| Credit loss provision to net charge-offs | 121.1587% | 1,666 |
| Earnings coverage of net charge-offs (x) | 33.3829% | 1,562 |
| Efficiency ratio | 51.8369% | 3,847 |
| Assets per employee ($millions) | 6.8549% | 2,171 |
| Cash dividends to net income (ytd only)* | 75.8237% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6309% | 4,209 |
| Loan loss allowance to noncurrent loans | 159.4740% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 942 |
| Noncurrent loans to loans | 0.3956% | 1,797 |
| Net loans and leases to total assets | 67.9300% | 2,043 |
| Net loans and leases to deposits | 75.9301% | 2,456 |
| Net loans and leases to core deposits | 86.4406% | 2,281 |
| Total domestic deposits to total assets | 89.4600% | 918 |
| Equity capital to assets | 10.1877% | 1,903 |
| Core capital (leverage) ratio | 9.9811% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $550,300,600 | 1,613 |
| Average earning assets | $527,201,600 | 1,557 |
| Average equity | $52,617,400 | 1,541 |
| Average total loans | $364,503,800 | 1,563 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0617% | 1,708 |
| Cost of funding earning assets | 1.5568% | 1,466 |
| Net interest margin | 3.5049% | 2,198 |
| Noninterest income to average assets | 1.8000% | 323 |
| Noninterest expense to average assets | 2.6611% | 1,766 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 2.3254% | 313 |
| Return on assets (ROA) | 2.3331% | 305 |
| Pretax return on assets | 2.3331% | 460 |
| Return on Equity (ROE) | 24.8100% | 392 |
| Retained earnings to average equity (ytd only) | 13.3524% | 766 |
| Net charge-offs to loans | 0.0258% | 1,555 |
| Credit loss provision to net charge-offs | 771.4286% | 481 |
| Earnings coverage of net charge-offs (x) | 147.4857% | 736 |
| Efficiency ratio | 51.5176% | 3,796 |
| Assets per employee ($millions) | 6.8118% | 2,098 |
| Cash dividends to net income (ytd only)* | 46.1714% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 4,068 |
| Loan loss allowance to noncurrent loans | 190.3181% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 2,004 |
| Noncurrent loans to loans | 0.3940% | 1,845 |
| Net loans and leases to total assets | 63.6600% | 2,483 |
| Net loans and leases to deposits | 71.1434% | 2,761 |
| Net loans and leases to core deposits | 83.5662% | 2,356 |
| Total domestic deposits to total assets | 89.4800% | 1,078 |
| Equity capital to assets | 10.1477% | 1,740 |
| Core capital (leverage) ratio | 10.1456% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $550,777,250 | 1,609 |
| Average earning assets | $527,901,000 | 1,552 |
| Average equity | $51,804,500 | 1,551 |
| Average total loans | $361,910,000 | 1,566 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9661% | 1,617 |
| Cost of funding earning assets | 1.3827% | 1,495 |
| Net interest margin | 3.5834% | 2,077 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.5123% | 2,172 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 1.2608% | 1,663 |
| Return on assets (ROA) | 1.2700% | 1,634 |
| Pretax return on assets | 1.2700% | 2,163 |
| Return on Equity (ROE) | 13.8900% | 1,704 |
| Retained earnings to average equity (ytd only) | 1.2149% | 3,874 |
| Net charge-offs to loans | 0.0344% | 1,206 |
| Credit loss provision to net charge-offs | 1,158.0645% | 372 |
| Earnings coverage of net charge-offs (x) | 66.8548% | 1,132 |
| Efficiency ratio | 62.1651% | 2,694 |
| Assets per employee ($millions) | 6.5775% | 2,232 |
| Cash dividends to net income (ytd only)* | 91.2514% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7462% | 4,112 |
| Loan loss allowance to noncurrent loans | 609.5436% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 2,940 |
| Noncurrent loans to loans | 0.1224% | 2,865 |
| Net loans and leases to total assets | 69.0800% | 1,844 |
| Net loans and leases to deposits | 78.3175% | 2,104 |
| Net loans and leases to core deposits | 92.2417% | 1,668 |
| Total domestic deposits to total assets | 88.2100% | 1,528 |
| Equity capital to assets | 8.8798% | 2,602 |
| Core capital (leverage) ratio | 8.9395% | 3,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $543,640,333 | 1,625 |
| Average earning assets | $521,455,667 | 1,571 |
| Average equity | $49,718,000 | 1,603 |
| Average total loans | $360,212,667 | 1,562 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8195% | 1,580 |
| Cost of funding earning assets | 1.0218% | 1,973 |
| Net interest margin | 3.7977% | 1,694 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.5474% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7100% | 808 |
| Return on assets (ROA) | 1.7220% | 781 |
| Pretax return on assets | 1.7220% | 1,233 |
| Return on Equity (ROE) | 18.5400% | 959 |
| Retained earnings to average equity (ytd only) | 2.7738% | 3,553 |
| Net charge-offs to loans | 0.0070% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 379.5000% | 294 |
| Efficiency ratio | 59.7636% | 2,986 |
| Assets per employee ($millions) | 6.3451% | 2,458 |
| Cash dividends to net income (ytd only)* | 85.0414% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6378% | 4,319 |
| Loan loss allowance to noncurrent loans | 574.7475% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,063 |
| Noncurrent loans to loans | 0.1110% | 2,964 |
| Net loans and leases to total assets | 65.7400% | 2,084 |
| Net loans and leases to deposits | 74.0531% | 2,292 |
| Net loans and leases to core deposits | 83.2794% | 2,038 |
| Total domestic deposits to total assets | 88.7700% | 1,632 |
| Equity capital to assets | 9.1976% | 2,372 |
| Core capital (leverage) ratio | 9.2139% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $532,628,000 | 1,672 |
| Average earning assets | $511,261,000 | 1,616 |
| Average equity | $49,462,000 | 1,627 |
| Average total loans | $343,460,000 | 1,639 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 1,373 |
| Cost of funding earning assets | 0.4249% | 1,908 |
| Net interest margin | 3.7148% | 1,345 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.5910% | 1,851 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6459% | 611 |
| Return on assets (ROA) | 1.6435% | 582 |
| Pretax return on assets | 1.6435% | 1,051 |
| Return on Equity (ROE) | 18.3000% | 658 |
| Retained earnings to average equity (ytd only) | 1.5556% | 4,086 |
| Net charge-offs to loans | 0.1239% | 626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 20.8010% | 1,875 |
| Efficiency ratio | 61.0910% | 2,895 |
| Assets per employee ($millions) | 6.4137% | 2,408 |
| Cash dividends to net income (ytd only)* | 91.5009% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6913% | 4,220 |
| Loan loss allowance to noncurrent loans | 218.1644% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 2,179 |
| Noncurrent loans to loans | 0.3169% | 2,015 |
| Net loans and leases to total assets | 62.3300% | 2,401 |
| Net loans and leases to deposits | 69.3002% | 2,640 |
| Net loans and leases to core deposits | 77.4888% | 2,318 |
| Total domestic deposits to total assets | 89.9400% | 1,388 |
| Equity capital to assets | 9.3775% | 2,092 |
| Core capital (leverage) ratio | 9.3028% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $495,406,600 | 1,733 |
| Average earning assets | $475,179,000 | 1,688 |
| Average equity | $44,485,600 | 1,770 |
| Average total loans | $316,319,200 | 1,653 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 1,197 |
| Cost of funding earning assets | 0.3330% | 1,829 |
| Net interest margin | 3.7016% | 1,130 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.5656% | 1,804 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6707% | 569 |
| Return on assets (ROA) | 1.6652% | 558 |
| Pretax return on assets | 1.6652% | 968 |
| Return on Equity (ROE) | 18.7700% | 549 |
| Retained earnings to average equity (ytd only) | 1.6698% | 4,092 |
| Net charge-offs to loans | 0.1496% | 441 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 17.4131% | 1,790 |
| Efficiency ratio | 60.5046% | 3,054 |
| Assets per employee ($millions) | 6.4851% | 2,332 |
| Cash dividends to net income (ytd only)* | 91.1031% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6748% | 4,296 |
| Loan loss allowance to noncurrent loans | 538.9791% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 3,080 |
| Noncurrent loans to loans | 0.1252% | 3,015 |
| Net loans and leases to total assets | 66.7400% | 1,811 |
| Net loans and leases to deposits | 75.0771% | 1,954 |
| Net loans and leases to core deposits | 84.0078% | 1,650 |
| Total domestic deposits to total assets | 88.8900% | 2,136 |
| Equity capital to assets | 9.6090% | 1,825 |
| Core capital (leverage) ratio | 9.3752% | 3,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $487,778,000 | 1,757 |
| Average earning assets | $467,646,000 | 1,715 |
| Average equity | $43,277,500 | 1,842 |
| Average total loans | $312,878,250 | 1,658 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 1,300 |
| Cost of funding earning assets | 0.2893% | 1,807 |
| Net interest margin | 3.5167% | 1,273 |
| Noninterest income to average assets | 0.7123% | 1,289 |
| Noninterest expense to average assets | 2.5893% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4992% | 711 |
| Return on assets (ROA) | 1.4904% | 713 |
| Pretax return on assets | 1.4904% | 1,196 |
| Return on Equity (ROE) | 17.3102% | 531 |
| Retained earnings to average equity (ytd only) | -1.0946% | 4,301 |
| Net charge-offs to loans | 0.0357% | 1,025 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 66.5741% | 1,035 |
| Efficiency ratio | 63.2701% | 2,875 |
| Assets per employee ($millions) | 6.1869% | 2,575 |
| Cash dividends to net income (ytd only)* | 106.3234% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7738% | 4,213 |
| Loan loss allowance to noncurrent loans | 428.8052% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 2,867 |
| Noncurrent loans to loans | 0.1805% | 2,794 |
| Net loans and leases to total assets | 66.2235% | 1,663 |
| Net loans and leases to deposits | 73.3779% | 1,925 |
| Net loans and leases to core deposits | 82.9175% | 1,526 |
| Total domestic deposits to total assets | 90.2499% | 1,611 |
| Equity capital to assets | 9.5654% | 1,966 |
| Core capital (leverage) ratio | 9.7913% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $479,596,000 | 1,793 |
| Average earning assets | $460,437,667 | 1,750 |
| Average equity | $41,293,667 | 1,944 |
| Average total loans | $302,428,333 | 1,694 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6712% | 1,335 |
| Cost of funding earning assets | 0.2982% | 1,675 |
| Net interest margin | 3.3729% | 1,371 |
| Noninterest income to average assets | 0.6502% | 1,493 |
| Noninterest expense to average assets | 2.5749% | 1,673 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3098% | 981 |
| Return on assets (ROA) | 1.3003% | 998 |
| Pretax return on assets | 1.3003% | 1,507 |
| Return on Equity (ROE) | 16.0737% | 522 |
| Retained earnings to average equity (ytd only) | -17.8998% | 4,679 |
| Net charge-offs to loans | 0.0084% | 1,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 254.1667% | 365 |
| Efficiency ratio | 66.2392% | 2,741 |
| Assets per employee ($millions) | 6.0808% | 2,733 |
| Cash dividends to net income (ytd only)* | 211.3606% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 3,997 |
| Loan loss allowance to noncurrent loans | 426.8800% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 2,795 |
| Noncurrent loans to loans | 0.2147% | 2,750 |
| Net loans and leases to total assets | 60.0378% | 2,060 |
| Net loans and leases to deposits | 65.1637% | 2,414 |
| Net loans and leases to core deposits | 74.2491% | 1,921 |
| Total domestic deposits to total assets | 92.1338% | 525 |
| Equity capital to assets | 7.7313% | 3,782 |
| Core capital (leverage) ratio | 7.7279% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4124% | 2,031 |
| Memoranda: | ||
| Average total assets | $465,729,500 | 1,839 |
| Average earning assets | $446,614,500 | 1,804 |
| Average equity | $37,676,500 | 2,143 |
| Average total loans | $284,347,000 | 1,772 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1737% | 1,041 |
| Cost of funding earning assets | 0.4666% | 1,085 |
| Net interest margin | 3.7071% | 1,194 |
| Noninterest income to average assets | 1.1434% | 805 |
| Noninterest expense to average assets | 2.4567% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.2393% | 229 |
| Return on assets (ROA) | 2.2490% | 235 |
| Pretax return on assets | 2.2490% | 376 |
| Return on Equity (ROE) | 27.3786% | 92 |
| Retained earnings to average equity (ytd only) | 17.0805% | 117 |
| Net charge-offs to loans | 0.0490% | 1,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 70.5926% | 1,070 |
| Efficiency ratio | 52.3142% | 4,088 |
| Assets per employee ($millions) | 6.0956% | 2,670 |
| Cash dividends to net income (ytd only)* | 37.6136% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,898 |
| Loan loss allowance to noncurrent loans | 545.7143% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 3,080 |
| Noncurrent loans to loans | 0.1765% | 3,062 |
| Net loans and leases to total assets | 60.9521% | 2,066 |
| Net loans and leases to deposits | 66.7983% | 2,428 |
| Net loans and leases to core deposits | 76.6465% | 1,864 |
| Total domestic deposits to total assets | 91.2480% | 403 |
| Equity capital to assets | 8.4716% | 4,066 |
| Core capital (leverage) ratio | 8.2538% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5043% | 2,049 |
| Memoranda: | ||
| Average total assets | $425,575,000 | 1,909 |
| Average earning assets | $407,837,200 | 1,877 |
| Average equity | $34,958,000 | 2,294 |
| Average total loans | $275,509,000 | 1,813 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3283% | 913 |
| Cost of funding earning assets | 0.5024% | 1,033 |
| Net interest margin | 3.8259% | 1,067 |
| Noninterest income to average assets | 1.2741% | 719 |
| Noninterest expense to average assets | 2.4284% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.5127% | 212 |
| Return on assets (ROA) | 2.5219% | 213 |
| Pretax return on assets | 2.5219% | 330 |
| Return on Equity (ROE) | 30.9620% | 82 |
| Retained earnings to average equity (ytd only) | 19.2473% | 160 |
| Net charge-offs to loans | 0.0461% | 1,203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 83.1579% | 962 |
| Efficiency ratio | 49.1471% | 4,286 |
| Assets per employee ($millions) | 6.4753% | 2,273 |
| Cash dividends to net income (ytd only)* | 37.8358% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 3,982 |
| Loan loss allowance to noncurrent loans | 634.1121% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 3,442 |
| Noncurrent loans to loans | 0.1511% | 3,363 |
| Net loans and leases to total assets | 64.6628% | 1,693 |
| Net loans and leases to deposits | 70.9669% | 2,147 |
| Net loans and leases to core deposits | 82.0626% | 1,567 |
| Total domestic deposits to total assets | 91.1168% | 332 |
| Equity capital to assets | 8.5955% | 4,133 |
| Core capital (leverage) ratio | 8.6526% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3284% | 2,896 |
| Memoranda: | ||
| Average total assets | $419,200,750 | 1,948 |
| Average earning assets | $401,780,000 | 1,918 |
| Average equity | $34,144,250 | 2,358 |
| Average total loans | $274,983,250 | 1,847 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5149% | 708 |
| Cost of funding earning assets | 0.5291% | 1,035 |
| Net interest margin | 3.9859% | 847 |
| Noninterest income to average assets | 0.6145% | 2,154 |
| Noninterest expense to average assets | 2.4739% | 2,229 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9627% | 519 |
| Return on assets (ROA) | 1.9729% | 538 |
| Pretax return on assets | 1.9729% | 883 |
| Return on Equity (ROE) | 24.6983% | 208 |
| Retained earnings to average equity (ytd only) | 10.4969% | 1,253 |
| Net charge-offs to loans | 0.0448% | 1,184 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 66.6557% | 922 |
| Efficiency ratio | 55.7611% | 3,573 |
| Assets per employee ($millions) | 6.1147% | 2,511 |
| Cash dividends to net income (ytd only)* | 57.4994% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 4,109 |
| Loan loss allowance to noncurrent loans | 675.1843% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 3,577 |
| Noncurrent loans to loans | 0.1356% | 3,513 |
| Net loans and leases to total assets | 69.4764% | 1,266 |
| Net loans and leases to deposits | 75.8852% | 1,834 |
| Net loans and leases to core deposits | 87.4881% | 1,311 |
| Total domestic deposits to total assets | 91.5545% | 223 |
| Equity capital to assets | 8.0403% | 4,508 |
| Core capital (leverage) ratio | 7.7266% | 4,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4866% | 2,860 |
| Memoranda: | ||
| Average total assets | $414,320,000 | 1,953 |
| Average earning assets | $397,304,667 | 1,919 |
| Average equity | $33,095,333 | 2,398 |
| Average total loans | $272,228,000 | 1,873 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2363% | 1,136 |
| Cost of funding earning assets | 0.5443% | 1,142 |
| Net interest margin | 3.6919% | 1,346 |
| Noninterest income to average assets | 0.6626% | 1,988 |
| Noninterest expense to average assets | 2.5533% | 2,010 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6581% | 1,008 |
| Return on assets (ROA) | 1.6787% | 1,024 |
| Pretax return on assets | 1.6787% | 1,542 |
| Return on Equity (ROE) | 21.0880% | 460 |
| Retained earnings to average equity (ytd only) | -1.1099% | 4,473 |
| Net charge-offs to loans | 0.0015% | 1,879 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1,689.0000% | 49 |
| Efficiency ratio | 60.6294% | 2,961 |
| Assets per employee ($millions) | 5.9440% | 2,653 |
| Cash dividends to net income (ytd only)* | 105.2632% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,680 |
| Loan loss allowance to noncurrent loans | 696.7742% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 3,482 |
| Noncurrent loans to loans | 0.1498% | 3,578 |
| Net loans and leases to total assets | 62.2224% | 2,268 |
| Net loans and leases to deposits | 67.7288% | 2,728 |
| Net loans and leases to core deposits | 77.2776% | 2,235 |
| Total domestic deposits to total assets | 91.8699% | 170 |
| Equity capital to assets | 7.4896% | 4,713 |
| Core capital (leverage) ratio | 7.5728% | 4,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,465,500 | 1,967 |
| Average earning assets | $391,666,500 | 1,931 |
| Average equity | $32,435,500 | 2,420 |
| Average total loans | $258,278,500 | 1,920 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8577% | 659 |
| Cost of funding earning assets | 0.7451% | 1,481 |
| Net interest margin | 4.1126% | 760 |
| Noninterest income to average assets | 0.7483% | 1,697 |
| Noninterest expense to average assets | 2.9061% | 1,670 |
| Loan and lease loss provision to assets | 0.0855% | 3,300 |
| Net operating income to assets | 1.6918% | 510 |
| Return on assets (ROA) | 1.7217% | 513 |
| Pretax return on assets | 1.7217% | 816 |
| Return on Equity (ROE) | 19.8022% | 242 |
| Retained earnings to average equity (ytd only) | 10.4585% | 504 |
| Net charge-offs to loans | 0.0524% | 2,039 |
| Credit loss provision to net charge-offs | 230.7692% | 2,014 |
| Earnings coverage of net charge-offs (x) | 47.9615% | 1,237 |
| Efficiency ratio | 62.0511% | 3,123 |
| Assets per employee ($millions) | 5.2293% | 3,120 |
| Cash dividends to net income (ytd only)* | 47.1854% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 3,284 |
| Loan loss allowance to noncurrent loans | 328.1542% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 3,054 |
| Noncurrent loans to loans | 0.3459% | 2,962 |
| Net loans and leases to total assets | 63.2226% | 2,463 |
| Net loans and leases to deposits | 69.3639% | 2,949 |
| Net loans and leases to core deposits | 78.6717% | 2,490 |
| Total domestic deposits to total assets | 91.1463% | 193 |
| Equity capital to assets | 8.4808% | 4,457 |
| Core capital (leverage) ratio | 8.1364% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $350,811,200 | 2,047 |
| Average earning assets | $335,676,000 | 2,001 |
| Average equity | $30,501,600 | 2,456 |
| Average total loans | $247,962,000 | 1,932 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0761% | 528 |
| Cost of funding earning assets | 0.7844% | 1,568 |
| Net interest margin | 4.2917% | 592 |
| Noninterest income to average assets | 0.6850% | 1,842 |
| Noninterest expense to average assets | 2.8911% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.8963% | 374 |
| Return on assets (ROA) | 1.9354% | 375 |
| Pretax return on assets | 1.9354% | 588 |
| Return on Equity (ROE) | 22.1054% | 175 |
| Retained earnings to average equity (ytd only) | 11.1886% | 539 |
| Net charge-offs to loans | 0.0355% | 2,123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 73.6515% | 967 |
| Efficiency ratio | 60.3895% | 3,334 |
| Assets per employee ($millions) | 5.0513% | 3,180 |
| Cash dividends to net income (ytd only)* | 49.3852% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 3,868 |
| Loan loss allowance to noncurrent loans | 251.5152% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 2,846 |
| Noncurrent loans to loans | 0.3795% | 2,924 |
| Net loans and leases to total assets | 72.4016% | 1,608 |
| Net loans and leases to deposits | 79.9027% | 2,326 |
| Net loans and leases to core deposits | 91.1296% | 1,876 |
| Total domestic deposits to total assets | 90.6121% | 257 |
| Equity capital to assets | 8.6942% | 4,337 |
| Core capital (leverage) ratio | 8.3761% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $341,772,500 | 2,071 |
| Average earning assets | $326,702,000 | 2,021 |
| Average equity | $29,922,500 | 2,476 |
| Average total loans | $248,087,750 | 1,932 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2389% | 529 |
| Cost of funding earning assets | 0.8192% | 1,736 |
| Net interest margin | 4.4197% | 596 |
| Noninterest income to average assets | 0.6917% | 1,772 |
| Noninterest expense to average assets | 3.0278% | 1,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8955% | 406 |
| Return on assets (ROA) | 1.9556% | 404 |
| Pretax return on assets | 1.9556% | 601 |
| Return on Equity (ROE) | 22.2798% | 154 |
| Retained earnings to average equity (ytd only) | 9.6130% | 857 |
| Net charge-offs to loans | 0.0448% | 1,852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 58.4074% | 984 |
| Efficiency ratio | 61.4990% | 3,203 |
| Assets per employee ($millions) | 4.9455% | 3,243 |
| Cash dividends to net income (ytd only)* | 56.8531% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 3,727 |
| Loan loss allowance to noncurrent loans | 178.2759% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 2,494 |
| Noncurrent loans to loans | 0.5421% | 2,547 |
| Net loans and leases to total assets | 74.3856% | 1,362 |
| Net loans and leases to deposits | 82.5804% | 2,141 |
| Net loans and leases to core deposits | 94.0706% | 1,730 |
| Total domestic deposits to total assets | 90.0766% | 382 |
| Equity capital to assets | 8.7377% | 4,327 |
| Core capital (leverage) ratio | 8.3620% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,782,667 | 2,081 |
| Average earning assets | $318,616,333 | 2,037 |
| Average equity | $29,210,333 | 2,505 |
| Average total loans | $240,934,333 | 1,954 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0113% | 944 |
| Cost of funding earning assets | 0.8633% | 2,042 |
| Net interest margin | 4.1481% | 1,030 |
| Noninterest income to average assets | 0.7959% | 1,329 |
| Noninterest expense to average assets | 3.2285% | 1,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5296% | 728 |
| Return on assets (ROA) | 1.5296% | 795 |
| Pretax return on assets | 1.5296% | 1,232 |
| Return on Equity (ROE) | 17.3821% | 302 |
| Retained earnings to average equity (ytd only) | -0.3114% | 4,036 |
| Net charge-offs to loans | 0.0755% | 1,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 28.5581% | 1,209 |
| Efficiency ratio | 67.8534% | 2,697 |
| Assets per employee ($millions) | 4.6199% | 3,098 |
| Cash dividends to net income (ytd only)* | 101.7915% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 3,090 |
| Loan loss allowance to noncurrent loans | 188.9374% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.4801% | 2,566 |
| Noncurrent loans to loans | 0.5929% | 2,522 |
| Net loans and leases to total assets | 68.8837% | 2,410 |
| Net loans and leases to deposits | 76.5612% | 3,023 |
| Net loans and leases to core deposits | 86.9478% | 2,602 |
| Total domestic deposits to total assets | 89.9721% | 329 |
| Equity capital to assets | 8.6281% | 4,782 |
| Core capital (leverage) ratio | 8.6187% | 4,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1744% | 2,627 |
| Memoranda: | ||
| Average total assets | $321,135,500 | 2,085 |
| Average earning assets | $306,744,000 | 2,042 |
| Average equity | $28,259,000 | 2,557 |
| Average total loans | $227,674,000 | 2,001 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2360% | 921 |
| Cost of funding earning assets | 0.8541% | 2,407 |
| Net interest margin | 4.3819% | 928 |
| Noninterest income to average assets | 0.9290% | 1,119 |
| Noninterest expense to average assets | 3.2872% | 1,327 |
| Loan and lease loss provision to assets | 0.0680% | 2,650 |
| Net operating income to assets | 1.7432% | 602 |
| Return on assets (ROA) | 1.7432% | 639 |
| Pretax return on assets | 1.7432% | 1,082 |
| Return on Equity (ROE) | 20.5306% | 188 |
| Retained earnings to average equity (ytd only) | 7.3078% | 1,253 |
| Net charge-offs to loans | -0.0871% | 4,930 |
| Credit loss provision to net charge-offs | -107.1429% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4741% | 3,005 |
| Assets per employee ($millions) | 4.3611% | 3,424 |
| Cash dividends to net income (ytd only)* | 64.4052% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 2,549 |
| Loan loss allowance to noncurrent loans | 204.4152% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 2,445 |
| Noncurrent loans to loans | 0.5773% | 2,456 |
| Net loans and leases to total assets | 71.3682% | 2,194 |
| Net loans and leases to deposits | 79.1064% | 2,894 |
| Net loans and leases to core deposits | 88.6691% | 2,547 |
| Total domestic deposits to total assets | 90.2179% | 257 |
| Equity capital to assets | 8.9840% | 4,689 |
| Core capital (leverage) ratio | 8.9271% | 4,576 |
| Tier 1 risk-based capital ratio | 12.1658% | 4,265 |
| Total risk-based capital ratio | 13.6020% | 4,023 |
| Memoranda: | ||
| Average total assets | $308,621,600 | 2,114 |
| Average earning assets | $293,659,600 | 2,067 |
| Average equity | $26,204,800 | 2,618 |
| Average total loans | $225,114,600 | 1,988 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2836% | 896 |
| Cost of funding earning assets | 0.8520% | 2,457 |
| Net interest margin | 4.4316% | 881 |
| Noninterest income to average assets | 0.8509% | 1,271 |
| Noninterest expense to average assets | 3.2718% | 1,328 |
| Loan and lease loss provision to assets | 0.0908% | 2,090 |
| Net operating income to assets | 1.7053% | 735 |
| Return on assets (ROA) | 1.7053% | 775 |
| Pretax return on assets | 1.7053% | 1,323 |
| Return on Equity (ROE) | 20.3808% | 229 |
| Retained earnings to average equity (ytd only) | 5.8342% | 2,446 |
| Net charge-offs to loans | -0.1325% | 5,045 |
| Credit loss provision to net charge-offs | -93.7500% | 4,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5593% | 2,930 |
| Assets per employee ($millions) | 4.1735% | 3,658 |
| Cash dividends to net income (ytd only)* | 71.3742% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 2,928 |
| Loan loss allowance to noncurrent loans | 294.0463% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 3,007 |
| Noncurrent loans to loans | 0.3812% | 3,187 |
| Net loans and leases to total assets | 76.1750% | 1,445 |
| Net loans and leases to deposits | 87.9706% | 1,939 |
| Net loans and leases to core deposits | 98.3569% | 1,795 |
| Total domestic deposits to total assets | 86.5914% | 1,726 |
| Equity capital to assets | 8.8227% | 4,866 |
| Core capital (leverage) ratio | 8.2413% | 5,049 |
| Tier 1 risk-based capital ratio | 11.4415% | 4,698 |
| Total risk-based capital ratio | 12.9379% | 4,479 |
| Memoranda: | ||
| Average total assets | $308,367,500 | 2,131 |
| Average earning assets | $293,429,500 | 2,081 |
| Average equity | $25,801,500 | 2,658 |
| Average total loans | $225,487,750 | 2,002 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 1,287 |
| Cost of funding earning assets | 0.7757% | 2,771 |
| Net interest margin | 4.2988% | 1,149 |
| Noninterest income to average assets | 0.8364% | 1,229 |
| Noninterest expense to average assets | 3.4003% | 1,102 |
| Loan and lease loss provision to assets | 0.1168% | 1,605 |
| Net operating income to assets | 1.4120% | 1,400 |
| Return on assets (ROA) | 1.4120% | 1,451 |
| Pretax return on assets | 1.4120% | 2,161 |
| Return on Equity (ROE) | 17.1884% | 448 |
| Retained earnings to average equity (ytd only) | -0.3081% | 4,733 |
| Net charge-offs to loans | -0.0867% | 4,973 |
| Credit loss provision to net charge-offs | -187.5000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9837% | 2,382 |
| Assets per employee ($millions) | 4.4148% | 3,266 |
| Cash dividends to net income (ytd only)* | 101.7923% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,463 |
| Loan loss allowance to noncurrent loans | 54.9376% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 721 |
| Noncurrent loans to loans | 1.8693% | 803 |
| Net loans and leases to total assets | 76.0707% | 1,538 |
| Net loans and leases to deposits | 90.8074% | 1,656 |
| Net loans and leases to core deposits | 101.1208% | 1,624 |
| Total domestic deposits to total assets | 83.7714% | 2,958 |
| Equity capital to assets | 8.1638% | 5,143 |
| Core capital (leverage) ratio | 8.2767% | 5,070 |
| Tier 1 risk-based capital ratio | 10.1385% | 5,207 |
| Total risk-based capital ratio | 11.4103% | 5,130 |
| Memoranda: | ||
| Average total assets | $308,210,330 | 2,129 |
| Average earning assets | $293,427,330 | 2,085 |
| Average equity | $25,319,330 | 2,689 |
| Average total loans | $221,342,000 | 2,040 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0247% | 1,277 |
| Cost of funding earning assets | 0.7200% | 2,945 |
| Net interest margin | 4.3047% | 1,082 |
| Noninterest income to average assets | 0.8306% | 1,214 |
| Noninterest expense to average assets | 3.3753% | 1,151 |
| Loan and lease loss provision to assets | 0.1187% | 1,478 |
| Net operating income to assets | 1.4200% | 1,322 |
| Return on assets (ROA) | 1.4200% | 1,352 |
| Pretax return on assets | 1.4200% | 2,012 |
| Return on Equity (ROE) | 17.2292% | 465 |
| Retained earnings to average equity (ytd only) | -9.4065% | 5,084 |
| Net charge-offs to loans | 0.0019% | 2,694 |
| Credit loss provision to net charge-offs | 9,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 1,167.0000% | 42 |
| Efficiency ratio | 68.6880% | 2,541 |
| Assets per employee ($millions) | 4.2445% | 3,556 |
| Cash dividends to net income (ytd only)* | 154.5961% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 3,200 |
| Loan loss allowance to noncurrent loans | 57.1957% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 1.4214% | 867 |
| Noncurrent loans to loans | 1.8991% | 799 |
| Net loans and leases to total assets | 68.2151% | 2,731 |
| Net loans and leases to deposits | 75.2003% | 3,334 |
| Net loans and leases to core deposits | 82.4807% | 3,149 |
| Total domestic deposits to total assets | 90.7112% | 226 |
| Equity capital to assets | 8.0356% | 5,173 |
| Core capital (leverage) ratio | 8.1518% | 5,158 |
| Tier 1 risk-based capital ratio | 10.9470% | 5,004 |
| Total risk-based capital ratio | 11.9741% | 5,000 |
| Memoranda: | ||
| Average total assets | $303,383,000 | 2,184 |
| Average earning assets | $287,780,500 | 2,126 |
| Average equity | $25,004,000 | 2,714 |
| Average total loans | $209,857,500 | 2,137 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 1,320 |
| Cost of funding earning assets | 0.5620% | 2,976 |
| Net interest margin | 4.3264% | 1,095 |
| Noninterest income to average assets | 0.9667% | 1,019 |
| Noninterest expense to average assets | 3.1849% | 1,590 |
| Loan and lease loss provision to assets | 0.2032% | 928 |
| Net operating income to assets | 1.6851% | 712 |
| Return on assets (ROA) | 1.6851% | 710 |
| Pretax return on assets | 1.6851% | 1,203 |
| Return on Equity (ROE) | 20.7209% | 219 |
| Retained earnings to average equity (ytd only) | 6.3516% | 2,004 |
| Net charge-offs to loans | 0.2000% | 958 |
| Credit loss provision to net charge-offs | 143.5407% | 1,894 |
| Earnings coverage of net charge-offs (x) | 13.3373% | 2,467 |
| Efficiency ratio | 62.7787% | 3,391 |
| Assets per employee ($millions) | 4.2417% | 3,554 |
| Cash dividends to net income (ytd only)* | 69.3467% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 3,205 |
| Loan loss allowance to noncurrent loans | 53.6023% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.5917% | 711 |
| Noncurrent loans to loans | 2.0210% | 667 |
| Net loans and leases to total assets | 68.6381% | 2,785 |
| Net loans and leases to deposits | 75.6401% | 3,375 |
| Net loans and leases to core deposits | 83.0005% | 3,181 |
| Total domestic deposits to total assets | 90.7430% | 262 |
| Equity capital to assets | 8.4568% | 4,960 |
| Core capital (leverage) ratio | 8.5225% | 5,020 |
| Tier 1 risk-based capital ratio | 11.8109% | 4,561 |
| Total risk-based capital ratio | 12.8518% | 4,561 |
| Memoranda: | ||
| Average total assets | $295,236,600 | 2,184 |
| Average earning assets | $280,234,600 | 2,133 |
| Average equity | $24,009,600 | 2,729 |
| Average total loans | $208,961,000 | 2,105 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8971% | 1,162 |
| Cost of funding earning assets | 0.5275% | 3,014 |
| Net interest margin | 4.3695% | 965 |
| Noninterest income to average assets | 0.8927% | 1,223 |
| Noninterest expense to average assets | 3.1734% | 1,587 |
| Loan and lease loss provision to assets | 0.1018% | 1,966 |
| Net operating income to assets | 1.7719% | 635 |
| Return on assets (ROA) | 1.7719% | 639 |
| Pretax return on assets | 1.7719% | 1,084 |
| Return on Equity (ROE) | 22.0096% | 166 |
| Retained earnings to average equity (ytd only) | 6.2804% | 2,500 |
| Net charge-offs to loans | 0.0178% | 2,801 |
| Credit loss provision to net charge-offs | 803.5714% | 485 |
| Earnings coverage of net charge-offs (x) | 147.9737% | 549 |
| Efficiency ratio | 62.8763% | 3,361 |
| Assets per employee ($millions) | 4.2872% | 3,448 |
| Cash dividends to net income (ytd only)* | 71.4650% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 3,546 |
| Loan loss allowance to noncurrent loans | 698.4472% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 3,528 |
| Noncurrent loans to loans | 0.1486% | 4,221 |
| Net loans and leases to total assets | 72.4805% | 2,257 |
| Net loans and leases to deposits | 80.8700% | 2,944 |
| Net loans and leases to core deposits | 88.9125% | 2,754 |
| Total domestic deposits to total assets | 89.6260% | 626 |
| Equity capital to assets | 8.2568% | 5,055 |
| Core capital (leverage) ratio | 8.3526% | 5,175 |
| Tier 1 risk-based capital ratio | 11.5373% | 4,773 |
| Total risk-based capital ratio | 12.5785% | 4,779 |
| Memoranda: | ||
| Average total assets | $294,815,500 | 2,198 |
| Average earning assets | $280,296,500 | 2,142 |
| Average equity | $23,734,500 | 2,764 |
| Average total loans | $209,693,000 | 2,099 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 1,347 |
| Cost of funding earning assets | 0.4831% | 3,140 |
| Net interest margin | 4.2796% | 1,078 |
| Noninterest income to average assets | 0.7641% | 1,595 |
| Noninterest expense to average assets | 3.1173% | 1,740 |
| Loan and lease loss provision to assets | 0.1019% | 1,909 |
| Net operating income to assets | 1.6178% | 885 |
| Return on assets (ROA) | 1.6178% | 889 |
| Pretax return on assets | 1.6178% | 1,447 |
| Return on Equity (ROE) | 20.2686% | 250 |
| Retained earnings to average equity (ytd only) | 1.9741% | 4,469 |
| Net charge-offs to loans | -0.0029% | 4,002 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4482% | 3,258 |
| Assets per employee ($millions) | 4.0717% | 3,778 |
| Cash dividends to net income (ytd only)* | 90.2603% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,787 |
| Loan loss allowance to noncurrent loans | 304.0000% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 3,407 |
| Noncurrent loans to loans | 0.3315% | 3,512 |
| Net loans and leases to total assets | 73.8442% | 1,967 |
| Net loans and leases to deposits | 82.1818% | 2,751 |
| Net loans and leases to core deposits | 90.3504% | 2,545 |
| Total domestic deposits to total assets | 89.8548% | 620 |
| Equity capital to assets | 8.0778% | 5,197 |
| Core capital (leverage) ratio | 8.0635% | 5,327 |
| Tier 1 risk-based capital ratio | 10.9852% | 5,058 |
| Total risk-based capital ratio | 11.9925% | 5,071 |
| Memoranda: | ||
| Average total assets | $294,482,000 | 2,206 |
| Average earning assets | $280,262,670 | 2,157 |
| Average equity | $23,504,330 | 2,797 |
| Average total loans | $207,371,330 | 2,127 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6154% | 1,523 |
| Cost of funding earning assets | 0.4389% | 3,299 |
| Net interest margin | 4.1766% | 1,226 |
| Noninterest income to average assets | 0.7427% | 1,649 |
| Noninterest expense to average assets | 3.1050% | 1,812 |
| Loan and lease loss provision to assets | 0.1016% | 1,828 |
| Net operating income to assets | 1.5084% | 1,061 |
| Return on assets (ROA) | 1.5084% | 1,059 |
| Pretax return on assets | 1.5084% | 1,668 |
| Return on Equity (ROE) | 19.0126% | 317 |
| Retained earnings to average equity (ytd only) | -9.1732% | 5,347 |
| Net charge-offs to loans | -0.0159% | 4,440 |
| Credit loss provision to net charge-offs | -937.5000% | 4,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8523% | 3,192 |
| Assets per employee ($millions) | 4.3993% | 3,322 |
| Cash dividends to net income (ytd only)* | 148.2480% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,594 |
| Loan loss allowance to noncurrent loans | 172.5141% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4217% | 3,147 |
| Noncurrent loans to loans | 0.6153% | 2,698 |
| Net loans and leases to total assets | 65.5271% | 3,111 |
| Net loans and leases to deposits | 72.3994% | 3,568 |
| Net loans and leases to core deposits | 78.5501% | 3,447 |
| Total domestic deposits to total assets | 90.5078% | 474 |
| Equity capital to assets | 7.5723% | 5,396 |
| Core capital (leverage) ratio | 7.8799% | 5,420 |
| Tier 1 risk-based capital ratio | 11.1804% | 5,038 |
| Total risk-based capital ratio | 12.2058% | 5,057 |
| Memoranda: | ||
| Average total assets | $295,141,500 | 2,219 |
| Average earning assets | $280,710,000 | 2,175 |
| Average equity | $23,416,000 | 2,824 |
| Average total loans | $201,713,000 | 2,183 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9252% | 756 |
| Cost of funding earning assets | 0.4264% | 2,991 |
| Net interest margin | 4.4988% | 609 |
| Noninterest income to average assets | 0.8209% | 1,499 |
| Noninterest expense to average assets | 3.1876% | 1,638 |
| Loan and lease loss provision to assets | 0.1868% | 1,136 |
| Net operating income to assets | 1.7008% | 522 |
| Return on assets (ROA) | 1.7055% | 536 |
| Pretax return on assets | 1.7055% | 991 |
| Return on Equity (ROE) | 20.4588% | 179 |
| Retained earnings to average equity (ytd only) | 6.2696% | 1,396 |
| Net charge-offs to loans | 0.1642% | 1,492 |
| Credit loss provision to net charge-offs | 156.3636% | 1,709 |
| Earnings coverage of net charge-offs (x) | 15.8030% | 2,219 |
| Efficiency ratio | 62.8084% | 3,809 |
| Assets per employee ($millions) | 4.1555% | 3,728 |
| Cash dividends to net income (ytd only)* | 69.3548% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 3,858 |
| Loan loss allowance to noncurrent loans | 386.9811% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 4,106 |
| Noncurrent loans to loans | 0.2619% | 3,850 |
| Net loans and leases to total assets | 69.8677% | 2,535 |
| Net loans and leases to deposits | 77.7468% | 3,143 |
| Net loans and leases to core deposits | 83.9262% | 3,059 |
| Total domestic deposits to total assets | 89.8657% | 614 |
| Equity capital to assets | 8.3166% | 5,251 |
| Core capital (leverage) ratio | 8.5009% | 5,134 |
| Tier 1 risk-based capital ratio | 11.2217% | 5,029 |
| Total risk-based capital ratio | 12.1887% | 5,066 |
| Memoranda: | ||
| Average total assets | $276,285,200 | 2,308 |
| Average earning assets | $261,269,600 | 2,275 |
| Average equity | $23,031,600 | 2,858 |
| Average total loans | $200,924,200 | 2,148 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9404% | 695 |
| Cost of funding earning assets | 0.4268% | 2,912 |
| Net interest margin | 4.5136% | 585 |
| Noninterest income to average assets | 0.7283% | 1,874 |
| Noninterest expense to average assets | 3.1813% | 1,599 |
| Loan and lease loss provision to assets | 0.1471% | 1,424 |
| Net operating income to assets | 1.6764% | 610 |
| Return on assets (ROA) | 1.6827% | 614 |
| Pretax return on assets | 1.6827% | 1,164 |
| Return on Equity (ROE) | 20.1736% | 214 |
| Retained earnings to average equity (ytd only) | 4.8828% | 2,960 |
| Net charge-offs to loans | 0.0931% | 1,859 |
| Credit loss provision to net charge-offs | 215.7143% | 1,274 |
| Earnings coverage of net charge-offs (x) | 26.7360% | 1,668 |
| Efficiency ratio | 63.5647% | 3,635 |
| Assets per employee ($millions) | 3.8733% | 4,203 |
| Cash dividends to net income (ytd only)* | 75.7962% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 4,149 |
| Loan loss allowance to noncurrent loans | 249.3235% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 3,844 |
| Noncurrent loans to loans | 0.3952% | 3,541 |
| Net loans and leases to total assets | 74.0716% | 1,900 |
| Net loans and leases to deposits | 82.5170% | 2,720 |
| Net loans and leases to core deposits | 89.6799% | 2,635 |
| Total domestic deposits to total assets | 89.7652% | 553 |
| Equity capital to assets | 8.5734% | 5,237 |
| Core capital (leverage) ratio | 8.2022% | 5,418 |
| Tier 1 risk-based capital ratio | 11.1921% | 5,131 |
| Total risk-based capital ratio | 12.1702% | 5,178 |
| Memoranda: | ||
| Average total assets | $273,674,250 | 2,340 |
| Average earning assets | $259,298,750 | 2,302 |
| Average equity | $22,828,000 | 2,896 |
| Average total loans | $200,559,750 | 2,157 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 933 |
| Cost of funding earning assets | 0.3946% | 3,127 |
| Net interest margin | 4.3704% | 741 |
| Noninterest income to average assets | 0.7225% | 1,895 |
| Noninterest expense to average assets | 3.1936% | 1,598 |
| Loan and lease loss provision to assets | 0.1793% | 1,060 |
| Net operating income to assets | 1.4998% | 864 |
| Return on assets (ROA) | 1.5093% | 872 |
| Pretax return on assets | 1.5093% | 1,604 |
| Return on Equity (ROE) | 18.2653% | 310 |
| Retained earnings to average equity (ytd only) | 0.5492% | 4,964 |
| Net charge-offs to loans | 0.1277% | 1,395 |
| Credit loss provision to net charge-offs | 192.9134% | 1,308 |
| Earnings coverage of net charge-offs (x) | 18.0630% | 1,899 |
| Efficiency ratio | 65.5400% | 3,427 |
| Assets per employee ($millions) | 3.9180% | 4,104 |
| Cash dividends to net income (ytd only)* | 96.9932% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,554 |
| Loan loss allowance to noncurrent loans | 344.8696% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 4,275 |
| Noncurrent loans to loans | 0.2669% | 4,084 |
| Net loans and leases to total assets | 76.7213% | 1,426 |
| Net loans and leases to deposits | 88.3253% | 1,948 |
| Net loans and leases to core deposits | 96.5174% | 1,927 |
| Total domestic deposits to total assets | 86.8622% | 2,009 |
| Equity capital to assets | 8.2008% | 5,447 |
| Core capital (leverage) ratio | 8.2268% | 5,412 |
| Tier 1 risk-based capital ratio | 10.3319% | 5,529 |
| Total risk-based capital ratio | 11.2457% | 5,584 |
| Memoranda: | ||
| Average total assets | $273,231,330 | 2,351 |
| Average earning assets | $259,472,670 | 2,302 |
| Average equity | $22,578,330 | 2,922 |
| Average total loans | $198,837,670 | 2,175 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6245% | 1,082 |
| Cost of funding earning assets | 0.3876% | 3,121 |
| Net interest margin | 4.2369% | 914 |
| Noninterest income to average assets | 0.7165% | 1,886 |
| Noninterest expense to average assets | 3.1453% | 1,751 |
| Loan and lease loss provision to assets | 0.0842% | 2,131 |
| Net operating income to assets | 1.5084% | 793 |
| Return on assets (ROA) | 1.5276% | 795 |
| Pretax return on assets | 1.5276% | 1,450 |
| Return on Equity (ROE) | 18.4141% | 315 |
| Retained earnings to average equity (ytd only) | -6.5180% | 5,465 |
| Net charge-offs to loans | -0.0084% | 4,353 |
| Credit loss provision to net charge-offs | -1,425.0000% | 4,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3860% | 3,430 |
| Assets per employee ($millions) | 4.0343% | 3,955 |
| Cash dividends to net income (ytd only)* | 135.3965% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 4,254 |
| Loan loss allowance to noncurrent loans | 387.5252% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 4,456 |
| Noncurrent loans to loans | 0.2591% | 4,188 |
| Net loans and leases to total assets | 68.2085% | 2,646 |
| Net loans and leases to deposits | 74.8313% | 3,318 |
| Net loans and leases to core deposits | 81.3359% | 3,156 |
| Total domestic deposits to total assets | 91.1497% | 259 |
| Equity capital to assets | 8.0215% | 5,510 |
| Core capital (leverage) ratio | 8.0725% | 5,526 |
| Tier 1 risk-based capital ratio | 11.1201% | 5,249 |
| Total risk-based capital ratio | 12.0940% | 5,311 |
| Memoranda: | ||
| Average total assets | $270,756,500 | 2,391 |
| Average earning assets | $256,979,500 | 2,335 |
| Average equity | $22,461,000 | 2,946 |
| Average total loans | $190,553,000 | 2,272 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8914% | 751 |
| Cost of funding earning assets | 0.3916% | 3,084 |
| Net interest margin | 4.4998% | 622 |
| Noninterest income to average assets | 0.7191% | 2,085 |
| Noninterest expense to average assets | 3.2373% | 1,708 |
| Loan and lease loss provision to assets | 0.1171% | 2,111 |
| Net operating income to assets | 1.6087% | 664 |
| Return on assets (ROA) | 1.6087% | 689 |
| Pretax return on assets | 1.6087% | 1,252 |
| Return on Equity (ROE) | 18.8178% | 273 |
| Retained earnings to average equity (ytd only) | 5.8384% | 1,800 |
| Net charge-offs to loans | 0.0872% | 2,451 |
| Credit loss provision to net charge-offs | 185.9756% | 1,513 |
| Earnings coverage of net charge-offs (x) | 27.4085% | 1,514 |
| Efficiency ratio | 65.2278% | 3,723 |
| Assets per employee ($millions) | 3.9276% | 4,103 |
| Cash dividends to net income (ytd only)* | 68.9737% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 4,411 |
| Loan loss allowance to noncurrent loans | 213.8761% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 3,912 |
| Noncurrent loans to loans | 0.4606% | 3,510 |
| Net loans and leases to total assets | 71.2323% | 2,300 |
| Net loans and leases to deposits | 78.7698% | 3,013 |
| Net loans and leases to core deposits | 85.5161% | 2,887 |
| Total domestic deposits to total assets | 90.4309% | 470 |
| Equity capital to assets | 8.5856% | 5,201 |
| Core capital (leverage) ratio | 8.4719% | 5,287 |
| Tier 1 risk-based capital ratio | 11.3966% | 5,118 |
| Total risk-based capital ratio | 12.3473% | 5,175 |
| Memoranda: | ||
| Average total assets | $260,462,400 | 2,440 |
| Average earning assets | $245,654,600 | 2,393 |
| Average equity | $22,266,200 | 2,968 |
| Average total loans | $188,171,000 | 2,227 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9160% | 704 |
| Cost of funding earning assets | 0.3937% | 3,083 |
| Net interest margin | 4.5223% | 595 |
| Noninterest income to average assets | 0.7139% | 2,116 |
| Noninterest expense to average assets | 3.2749% | 1,619 |
| Loan and lease loss provision to assets | 0.0693% | 2,833 |
| Net operating income to assets | 1.6326% | 679 |
| Return on assets (ROA) | 1.6326% | 718 |
| Pretax return on assets | 1.6326% | 1,294 |
| Return on Equity (ROE) | 19.1180% | 289 |
| Retained earnings to average equity (ytd only) | 5.6555% | 2,395 |
| Net charge-offs to loans | 0.0078% | 3,648 |
| Credit loss provision to net charge-offs | 1,227.2727% | 341 |
| Earnings coverage of net charge-offs (x) | 301.3783% | 272 |
| Efficiency ratio | 65.8039% | 3,622 |
| Assets per employee ($millions) | 3.7978% | 4,306 |
| Cash dividends to net income (ytd only)* | 70.4180% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 4,636 |
| Loan loss allowance to noncurrent loans | 248.0537% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 4,262 |
| Noncurrent loans to loans | 0.3852% | 3,877 |
| Net loans and leases to total assets | 72.0614% | 2,187 |
| Net loans and leases to deposits | 84.3031% | 2,452 |
| Net loans and leases to core deposits | 91.9292% | 2,386 |
| Total domestic deposits to total assets | 85.4789% | 2,613 |
| Equity capital to assets | 8.6918% | 5,403 |
| Core capital (leverage) ratio | 8.1443% | 5,616 |
| Tier 1 risk-based capital ratio | 11.1986% | 5,256 |
| Total risk-based capital ratio | 12.1393% | 5,343 |
| Memoranda: | ||
| Average total assets | $259,790,750 | 2,452 |
| Average earning assets | $244,881,750 | 2,410 |
| Average equity | $22,184,500 | 2,994 |
| Average total loans | $187,885,750 | 2,229 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 956 |
| Cost of funding earning assets | 0.3845% | 3,212 |
| Net interest margin | 4.3669% | 820 |
| Noninterest income to average assets | 0.7022% | 2,134 |
| Noninterest expense to average assets | 3.2742% | 1,641 |
| Loan and lease loss provision to assets | 0.0698% | 2,746 |
| Net operating income to assets | 1.4905% | 910 |
| Return on assets (ROA) | 1.4905% | 951 |
| Pretax return on assets | 1.4905% | 1,697 |
| Return on Equity (ROE) | 17.5618% | 392 |
| Retained earnings to average equity (ytd only) | 2.5689% | 4,256 |
| Net charge-offs to loans | 0.0097% | 3,370 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 223.4444% | 293 |
| Efficiency ratio | 67.7259% | 3,397 |
| Assets per employee ($millions) | 3.8954% | 4,100 |
| Cash dividends to net income (ytd only)* | 85.3722% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 4,978 |
| Loan loss allowance to noncurrent loans | 163.9419% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 3,796 |
| Noncurrent loans to loans | 0.5445% | 3,436 |
| Net loans and leases to total assets | 75.6603% | 1,546 |
| Net loans and leases to deposits | 87.8031% | 2,020 |
| Net loans and leases to core deposits | 95.8103% | 1,993 |
| Total domestic deposits to total assets | 86.1704% | 2,345 |
| Equity capital to assets | 8.4859% | 5,604 |
| Core capital (leverage) ratio | 8.1666% | 5,615 |
| Tier 1 risk-based capital ratio | 10.4439% | 5,694 |
| Total risk-based capital ratio | 11.3273% | 5,770 |
| Memoranda: | ||
| Average total assets | $257,772,000 | 2,470 |
| Average earning assets | $243,926,000 | 2,429 |
| Average equity | $21,877,000 | 3,022 |
| Average total loans | $186,040,670 | 2,249 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 996 |
| Cost of funding earning assets | 0.3899% | 3,188 |
| Net interest margin | 4.3354% | 859 |
| Noninterest income to average assets | 0.7207% | 1,933 |
| Noninterest expense to average assets | 3.4003% | 1,377 |
| Loan and lease loss provision to assets | 0.0708% | 2,536 |
| Net operating income to assets | 1.3437% | 1,141 |
| Return on assets (ROA) | 1.3437% | 1,220 |
| Pretax return on assets | 1.3437% | 2,118 |
| Return on Equity (ROE) | 15.8320% | 554 |
| Retained earnings to average equity (ytd only) | -3.4482% | 5,511 |
| Net charge-offs to loans | -0.0090% | 4,482 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6209% | 3,023 |
| Assets per employee ($millions) | 3.8917% | 4,133 |
| Cash dividends to net income (ytd only)* | 121.7799% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 4,560 |
| Loan loss allowance to noncurrent loans | 487.0879% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 4,941 |
| Noncurrent loans to loans | 0.2069% | 4,682 |
| Net loans and leases to total assets | 66.7983% | 2,842 |
| Net loans and leases to deposits | 73.3952% | 3,512 |
| Net loans and leases to core deposits | 80.0647% | 3,313 |
| Total domestic deposits to total assets | 91.0118% | 271 |
| Equity capital to assets | 8.3017% | 5,694 |
| Core capital (leverage) ratio | 8.0307% | 5,754 |
| Tier 1 risk-based capital ratio | 11.1763% | 5,410 |
| Total risk-based capital ratio | 12.1257% | 5,472 |
| Memoranda: | ||
| Average total assets | $254,214,000 | 2,508 |
| Average earning assets | $240,068,500 | 2,466 |
| Average equity | $21,576,500 | 3,055 |
| Average total loans | $177,951,000 | 2,337 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6818% | 1,143 |
| Cost of funding earning assets | 0.3909% | 3,255 |
| Net interest margin | 4.2909% | 977 |
| Noninterest income to average assets | 0.8140% | 1,729 |
| Noninterest expense to average assets | 3.2463% | 1,846 |
| Loan and lease loss provision to assets | 0.1060% | 2,217 |
| Net operating income to assets | 1.5264% | 821 |
| Return on assets (ROA) | 1.5264% | 849 |
| Pretax return on assets | 1.5264% | 1,474 |
| Return on Equity (ROE) | 18.7046% | 333 |
| Retained earnings to average equity (ytd only) | 5.9526% | 1,820 |
| Net charge-offs to loans | 0.1084% | 2,303 |
| Credit loss provision to net charge-offs | 142.1053% | 1,850 |
| Earnings coverage of net charge-offs (x) | 21.8789% | 1,794 |
| Efficiency ratio | 66.5406% | 3,822 |
| Assets per employee ($millions) | 3.6424% | 4,573 |
| Cash dividends to net income (ytd only)* | 68.1760% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 4,822 |
| Loan loss allowance to noncurrent loans | 239.4444% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 4,349 |
| Noncurrent loans to loans | 0.4001% | 4,022 |
| Net loans and leases to total assets | 71.9595% | 2,059 |
| Net loans and leases to deposits | 79.5023% | 2,881 |
| Net loans and leases to core deposits | 87.3867% | 2,665 |
| Total domestic deposits to total assets | 90.5125% | 432 |
| Equity capital to assets | 8.6832% | 5,401 |
| Core capital (leverage) ratio | 8.5180% | 5,407 |
| Tier 1 risk-based capital ratio | 11.2286% | 5,410 |
| Total risk-based capital ratio | 12.1480% | 5,488 |
| Memoranda: | ||
| Average total assets | $254,656,400 | 2,472 |
| Average earning assets | $241,232,200 | 2,413 |
| Average equity | $20,781,000 | 3,097 |
| Average total loans | $175,299,000 | 2,295 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 1,230 |
| Cost of funding earning assets | 0.3876% | 3,355 |
| Net interest margin | 4.2544% | 1,050 |
| Noninterest income to average assets | 0.6999% | 2,225 |
| Noninterest expense to average assets | 3.1757% | 2,033 |
| Loan and lease loss provision to assets | 0.0936% | 2,293 |
| Net operating income to assets | 1.4664% | 974 |
| Return on assets (ROA) | 1.4664% | 1,016 |
| Pretax return on assets | 1.4664% | 1,777 |
| Return on Equity (ROE) | 18.2524% | 385 |
| Retained earnings to average equity (ytd only) | 5.3075% | 2,720 |
| Net charge-offs to loans | 0.1041% | 2,093 |
| Credit loss provision to net charge-offs | 132.3529% | 1,853 |
| Earnings coverage of net charge-offs (x) | 22.0587% | 1,800 |
| Efficiency ratio | 67.0583% | 3,697 |
| Assets per employee ($millions) | 3.6341% | 4,548 |
| Cash dividends to net income (ytd only)* | 70.9219% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 5,046 |
| Loan loss allowance to noncurrent loans | 230.2865% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 4,555 |
| Noncurrent loans to loans | 0.4062% | 4,154 |
| Net loans and leases to total assets | 70.2809% | 2,347 |
| Net loans and leases to deposits | 78.2668% | 3,073 |
| Net loans and leases to core deposits | 86.7900% | 2,775 |
| Total domestic deposits to total assets | 89.7966% | 655 |
| Equity capital to assets | 8.3747% | 5,784 |
| Core capital (leverage) ratio | 7.9687% | 5,921 |
| Tier 1 risk-based capital ratio | 11.0853% | 5,618 |
| Total risk-based capital ratio | 11.9919% | 5,719 |
| Memoranda: | ||
| Average total assets | $256,399,250 | 2,471 |
| Average earning assets | $243,227,000 | 2,411 |
| Average equity | $20,599,500 | 3,138 |
| Average total loans | $174,134,500 | 2,322 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 1,724 |
| Cost of funding earning assets | 0.3799% | 3,494 |
| Net interest margin | 4.0574% | 1,476 |
| Noninterest income to average assets | 0.6792% | 2,301 |
| Noninterest expense to average assets | 3.1594% | 2,099 |
| Loan and lease loss provision to assets | 0.1167% | 1,900 |
| Net operating income to assets | 1.2588% | 1,429 |
| Return on assets (ROA) | 1.2588% | 1,483 |
| Pretax return on assets | 1.2588% | 2,513 |
| Return on Equity (ROE) | 15.8903% | 618 |
| Retained earnings to average equity (ytd only) | 2.1410% | 4,638 |
| Net charge-offs to loans | 0.1418% | 1,653 |
| Credit loss provision to net charge-offs | 122.9508% | 1,767 |
| Earnings coverage of net charge-offs (x) | 14.4918% | 2,054 |
| Efficiency ratio | 69.6689% | 3,393 |
| Assets per employee ($millions) | 3.7083% | 4,409 |
| Cash dividends to net income (ytd only)* | 86.5266% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 5,371 |
| Loan loss allowance to noncurrent loans | 239.1989% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 4,714 |
| Noncurrent loans to loans | 0.3676% | 4,387 |
| Net loans and leases to total assets | 73.6562% | 1,716 |
| Net loans and leases to deposits | 84.2518% | 2,286 |
| Net loans and leases to core deposits | 94.4115% | 1,919 |
| Total domestic deposits to total assets | 87.4239% | 1,946 |
| Equity capital to assets | 7.9774% | 5,994 |
| Core capital (leverage) ratio | 7.8330% | 6,003 |
| Tier 1 risk-based capital ratio | 10.2590% | 6,012 |
| Total risk-based capital ratio | 11.1150% | 6,077 |
| Memoranda: | ||
| Average total assets | $257,070,670 | 2,477 |
| Average earning assets | $244,294,330 | 2,428 |
| Average equity | $20,364,670 | 3,178 |
| Average total loans | $172,022,000 | 2,351 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2224% | 2,374 |
| Cost of funding earning assets | 0.3736% | 3,608 |
| Net interest margin | 3.8488% | 2,071 |
| Noninterest income to average assets | 0.6737% | 2,286 |
| Noninterest expense to average assets | 3.1575% | 2,099 |
| Loan and lease loss provision to assets | 0.2329% | 741 |
| Net operating income to assets | 0.9454% | 2,534 |
| Return on assets (ROA) | 0.9454% | 2,667 |
| Pretax return on assets | 0.9454% | 3,716 |
| Return on Equity (ROE) | 11.9758% | 1,356 |
| Retained earnings to average equity (ytd only) | -3.7560% | 5,846 |
| Net charge-offs to loans | 0.2847% | 840 |
| Credit loss provision to net charge-offs | 129.3103% | 1,375 |
| Earnings coverage of net charge-offs (x) | 6.5431% | 2,275 |
| Efficiency ratio | 72.8249% | 3,022 |
| Assets per employee ($millions) | 3.7470% | 4,429 |
| Cash dividends to net income (ytd only)* | 131.3629% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 4,902 |
| Loan loss allowance to noncurrent loans | 142.9302% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 4,173 |
| Noncurrent loans to loans | 0.7169% | 3,476 |
| Net loans and leases to total assets | 61.7991% | 3,406 |
| Net loans and leases to deposits | 67.5183% | 3,999 |
| Net loans and leases to core deposits | 74.6382% | 3,724 |
| Total domestic deposits to total assets | 91.5293% | 225 |
| Equity capital to assets | 7.7681% | 6,110 |
| Core capital (leverage) ratio | 7.4894% | 6,141 |
| Tier 1 risk-based capital ratio | 11.5320% | 5,542 |
| Total risk-based capital ratio | 12.5178% | 5,592 |
| Memoranda: | ||
| Average total assets | $257,669,000 | 2,488 |
| Average earning assets | $245,167,000 | 2,424 |
| Average equity | $20,341,000 | 3,196 |
| Average total loans | $162,963,500 | 2,458 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 1,502 |
| Cost of funding earning assets | 0.4053% | 3,637 |
| Net interest margin | 4.2142% | 1,259 |
| Noninterest income to average assets | 0.7458% | 2,093 |
| Noninterest expense to average assets | 3.2165% | 2,172 |
| Loan and lease loss provision to assets | 0.0408% | 3,759 |
| Net operating income to assets | 1.4757% | 925 |
| Return on assets (ROA) | 1.5454% | 832 |
| Pretax return on assets | 1.5454% | 1,401 |
| Return on Equity (ROE) | 19.3950% | 285 |
| Retained earnings to average equity (ytd only) | 6.0827% | 1,871 |
| Net charge-offs to loans | 0.0198% | 4,450 |
| Credit loss provision to net charge-offs | 312.5000% | 835 |
| Earnings coverage of net charge-offs (x) | 116.1563% | 456 |
| Efficiency ratio | 67.9597% | 3,907 |
| Assets per employee ($millions) | 3.7213% | 4,487 |
| Cash dividends to net income (ytd only)* | 68.6378% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 4,971 |
| Loan loss allowance to noncurrent loans | 169.1358% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 4,493 |
| Noncurrent loans to loans | 0.5994% | 3,872 |
| Net loans and leases to total assets | 63.4315% | 3,298 |
| Net loans and leases to deposits | 69.6351% | 3,960 |
| Net loans and leases to core deposits | 77.3238% | 3,584 |
| Total domestic deposits to total assets | 91.0913% | 338 |
| Equity capital to assets | 8.0250% | 6,058 |
| Core capital (leverage) ratio | 7.9237% | 6,038 |
| Tier 1 risk-based capital ratio | 11.7074% | 5,541 |
| Total risk-based capital ratio | 12.6785% | 5,619 |
| Memoranda: | ||
| Average total assets | $245,109,600 | 2,572 |
| Average earning assets | $231,904,400 | 2,502 |
| Average equity | $19,530,800 | 3,209 |
| Average total loans | $161,299,400 | 2,409 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 1,310 |
| Cost of funding earning assets | 0.4186% | 3,595 |
| Net interest margin | 4.2791% | 1,094 |
| Noninterest income to average assets | 0.7431% | 2,124 |
| Noninterest expense to average assets | 3.2246% | 2,108 |
| Loan and lease loss provision to assets | 0.0548% | 3,280 |
| Net operating income to assets | 1.5059% | 932 |
| Return on assets (ROA) | 1.5997% | 786 |
| Pretax return on assets | 1.5997% | 1,323 |
| Return on Equity (ROE) | 20.1132% | 281 |
| Retained earnings to average equity (ytd only) | 5.9781% | 2,424 |
| Net charge-offs to loans | 0.0108% | 4,359 |
| Credit loss provision to net charge-offs | 769.2308% | 404 |
| Earnings coverage of net charge-offs (x) | 218.9596% | 299 |
| Efficiency ratio | 67.3848% | 3,965 |
| Assets per employee ($millions) | 3.6772% | 4,527 |
| Cash dividends to net income (ytd only)* | 70.2777% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 5,100 |
| Loan loss allowance to noncurrent loans | 132.4045% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5268% | 4,297 |
| Noncurrent loans to loans | 0.7740% | 3,650 |
| Net loans and leases to total assets | 65.1873% | 3,000 |
| Net loans and leases to deposits | 71.7172% | 3,711 |
| Net loans and leases to core deposits | 79.9819% | 3,316 |
| Total domestic deposits to total assets | 90.8950% | 393 |
| Equity capital to assets | 8.0675% | 6,100 |
| Core capital (leverage) ratio | 8.0415% | 6,039 |
| Tier 1 risk-based capital ratio | 11.3334% | 5,867 |
| Total risk-based capital ratio | 12.3000% | 5,927 |
| Memoranda: | ||
| Average total assets | $243,125,500 | 2,602 |
| Average earning assets | $229,668,250 | 2,542 |
| Average equity | $19,336,750 | 3,247 |
| Average total loans | $161,085,500 | 2,435 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5701% | 1,611 |
| Cost of funding earning assets | 0.4376% | 3,463 |
| Net interest margin | 4.1325% | 1,419 |
| Noninterest income to average assets | 0.7197% | 2,186 |
| Noninterest expense to average assets | 3.2192% | 2,129 |
| Loan and lease loss provision to assets | 0.0826% | 2,653 |
| Net operating income to assets | 1.3270% | 1,232 |
| Return on assets (ROA) | 1.4683% | 971 |
| Pretax return on assets | 1.4683% | 1,641 |
| Return on Equity (ROE) | 18.5520% | 405 |
| Retained earnings to average equity (ytd only) | 4.4579% | 3,333 |
| Net charge-offs to loans | 0.0037% | 4,255 |
| Credit loss provision to net charge-offs | 3,333.3333% | 106 |
| Earnings coverage of net charge-offs (x) | 568.6667% | 126 |
| Efficiency ratio | 69.5466% | 3,730 |
| Assets per employee ($millions) | 3.5415% | 4,771 |
| Cash dividends to net income (ytd only)* | 75.9707% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 5,496 |
| Loan loss allowance to noncurrent loans | 162.1124% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4400% | 4,687 |
| Noncurrent loans to loans | 0.5968% | 4,237 |
| Net loans and leases to total assets | 72.1776% | 1,711 |
| Net loans and leases to deposits | 79.6587% | 2,565 |
| Net loans and leases to core deposits | 88.4417% | 2,267 |
| Total domestic deposits to total assets | 90.6086% | 543 |
| Equity capital to assets | 8.2080% | 6,021 |
| Core capital (leverage) ratio | 7.9486% | 6,134 |
| Tier 1 risk-based capital ratio | 10.5413% | 6,237 |
| Total risk-based capital ratio | 11.4666% | 6,292 |
| Memoranda: | ||
| Average total assets | $242,044,000 | 2,619 |
| Average earning assets | $228,965,330 | 2,557 |
| Average equity | $19,157,000 | 3,263 |
| Average total loans | $160,692,330 | 2,439 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 2,291 |
| Cost of funding earning assets | 0.4579% | 3,338 |
| Net interest margin | 3.9034% | 2,075 |
| Noninterest income to average assets | 0.6922% | 2,212 |
| Noninterest expense to average assets | 3.1371% | 2,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2519% | 1,342 |
| Return on assets (ROA) | 1.2519% | 1,400 |
| Pretax return on assets | 1.2519% | 2,278 |
| Return on Equity (ROE) | 16.1074% | 629 |
| Retained earnings to average equity (ytd only) | -0.2106% | 5,597 |
| Net charge-offs to loans | -0.0052% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4765% | 3,584 |
| Assets per employee ($millions) | 3.6793% | 4,563 |
| Cash dividends to net income (ytd only)* | 101.3072% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 5,391 |
| Loan loss allowance to noncurrent loans | 140.2667% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 4,737 |
| Noncurrent loans to loans | 0.7366% | 4,021 |
| Net loans and leases to total assets | 62.2442% | 3,196 |
| Net loans and leases to deposits | 69.5829% | 3,651 |
| Net loans and leases to core deposits | 76.9395% | 3,311 |
| Total domestic deposits to total assets | 89.4533% | 1,393 |
| Equity capital to assets | 7.8786% | 6,134 |
| Core capital (leverage) ratio | 7.4411% | 6,359 |
| Tier 1 risk-based capital ratio | 11.4851% | 5,920 |
| Total risk-based capital ratio | 12.4584% | 6,016 |
| Memoranda: | ||
| Average total assets | $244,426,000 | 2,602 |
| Average earning assets | $231,489,500 | 2,537 |
| Average equity | $18,997,500 | 3,282 |
| Average total loans | $154,570,500 | 2,528 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5085% | 2,175 |
| Cost of funding earning assets | 0.5164% | 3,438 |
| Net interest margin | 3.9921% | 1,966 |
| Noninterest income to average assets | 0.7112% | 2,477 |
| Noninterest expense to average assets | 2.9616% | 3,157 |
| Loan and lease loss provision to assets | 0.0208% | 4,714 |
| Net operating income to assets | 1.5001% | 825 |
| Return on assets (ROA) | 1.5006% | 864 |
| Pretax return on assets | 1.5006% | 1,447 |
| Return on Equity (ROE) | 18.7327% | 357 |
| Retained earnings to average equity (ytd only) | 4.9480% | 2,626 |
| Net charge-offs to loans | 0.0269% | 4,880 |
| Credit loss provision to net charge-offs | 125.0000% | 1,900 |
| Earnings coverage of net charge-offs (x) | 91.4250% | 497 |
| Efficiency ratio | 66.0698% | 4,544 |
| Assets per employee ($millions) | 3.8440% | 4,175 |
| Cash dividends to net income (ytd only)* | 73.5865% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 5,525 |
| Loan loss allowance to noncurrent loans | 146.8779% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 4,945 |
| Noncurrent loans to loans | 0.6860% | 4,259 |
| Net loans and leases to total assets | 62.9373% | 3,213 |
| Net loans and leases to deposits | 70.7991% | 3,679 |
| Net loans and leases to core deposits | 78.0641% | 3,356 |
| Total domestic deposits to total assets | 88.8955% | 1,697 |
| Equity capital to assets | 7.6673% | 6,201 |
| Core capital (leverage) ratio | 7.7450% | 6,281 |
| Tier 1 risk-based capital ratio | 11.7917% | 5,750 |
| Total risk-based capital ratio | 12.7891% | 5,827 |
| Memoranda: | ||
| Average total assets | $240,444,400 | 2,614 |
| Average earning assets | $227,148,600 | 2,545 |
| Average equity | $19,260,400 | 3,251 |
| Average total loans | $148,840,400 | 2,576 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 2,006 |
| Cost of funding earning assets | 0.5327% | 3,440 |
| Net interest margin | 4.0285% | 1,847 |
| Noninterest income to average assets | 0.7039% | 2,585 |
| Noninterest expense to average assets | 2.9293% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5790% | 780 |
| Return on assets (ROA) | 1.5795% | 826 |
| Pretax return on assets | 1.5795% | 1,389 |
| Return on Equity (ROE) | 19.5039% | 336 |
| Retained earnings to average equity (ytd only) | 5.6955% | 2,601 |
| Net charge-offs to loans | 0.0154% | 4,824 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 166.5007% | 334 |
| Efficiency ratio | 64.9759% | 4,653 |
| Assets per employee ($millions) | 3.7263% | 4,401 |
| Cash dividends to net income (ytd only)* | 70.7980% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 5,477 |
| Loan loss allowance to noncurrent loans | 129.7320% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 4,935 |
| Noncurrent loans to loans | 0.8184% | 4,197 |
| Net loans and leases to total assets | 60.5243% | 3,611 |
| Net loans and leases to deposits | 68.7710% | 3,964 |
| Net loans and leases to core deposits | 76.3335% | 3,583 |
| Total domestic deposits to total assets | 88.0085% | 2,122 |
| Equity capital to assets | 7.9422% | 6,184 |
| Core capital (leverage) ratio | 7.8838% | 6,287 |
| Tier 1 risk-based capital ratio | 12.2027% | 5,645 |
| Total risk-based capital ratio | 13.2241% | 5,734 |
| Memoranda: | ||
| Average total assets | $239,051,000 | 2,651 |
| Average earning assets | $225,752,250 | 2,569 |
| Average equity | $19,359,750 | 3,267 |
| Average total loans | $146,947,250 | 2,617 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4387% | 2,424 |
| Cost of funding earning assets | 0.5491% | 3,426 |
| Net interest margin | 3.8896% | 2,242 |
| Noninterest income to average assets | 0.6947% | 2,670 |
| Noninterest expense to average assets | 2.8841% | 3,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4939% | 910 |
| Return on assets (ROA) | 1.4947% | 977 |
| Pretax return on assets | 1.4947% | 1,630 |
| Return on Equity (ROE) | 18.3391% | 434 |
| Retained earnings to average equity (ytd only) | 3.4155% | 4,145 |
| Net charge-offs to loans | 0.0163% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 148.9167% | 330 |
| Efficiency ratio | 65.8774% | 4,571 |
| Assets per employee ($millions) | 3.5753% | 4,686 |
| Cash dividends to net income (ytd only)* | 81.3758% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 5,964 |
| Loan loss allowance to noncurrent loans | 109.4366% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.6258% | 4,667 |
| Noncurrent loans to loans | 0.8754% | 4,171 |
| Net loans and leases to total assets | 70.2083% | 1,851 |
| Net loans and leases to deposits | 80.9858% | 2,183 |
| Net loans and leases to core deposits | 90.7166% | 1,839 |
| Total domestic deposits to total assets | 86.6921% | 3,001 |
| Equity capital to assets | 8.0509% | 6,164 |
| Core capital (leverage) ratio | 7.6271% | 6,403 |
| Tier 1 risk-based capital ratio | 11.0340% | 6,317 |
| Total risk-based capital ratio | 11.9860% | 6,404 |
| Memoranda: | ||
| Average total assets | $239,239,330 | 2,659 |
| Average earning assets | $226,551,670 | 2,570 |
| Average equity | $19,499,330 | 3,260 |
| Average total loans | $147,299,330 | 2,614 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 3,151 |
| Cost of funding earning assets | 0.5643% | 3,437 |
| Net interest margin | 3.6754% | 2,968 |
| Noninterest income to average assets | 0.6742% | 2,727 |
| Noninterest expense to average assets | 2.8030% | 3,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3565% | 1,137 |
| Return on assets (ROA) | 1.3565% | 1,228 |
| Pretax return on assets | 1.3565% | 2,018 |
| Return on Equity (ROE) | 16.5486% | 548 |
| Retained earnings to average equity (ytd only) | -0.5190% | 5,885 |
| Net charge-offs to loans | 0.0458% | 3,386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 51.8125% | 659 |
| Efficiency ratio | 67.3879% | 4,430 |
| Assets per employee ($millions) | 3.9349% | 4,094 |
| Cash dividends to net income (ytd only)* | 103.1363% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 5,561 |
| Loan loss allowance to noncurrent loans | 105.4422% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 4,870 |
| Noncurrent loans to loans | 1.0534% | 4,033 |
| Net loans and leases to total assets | 56.5655% | 4,000 |
| Net loans and leases to deposits | 64.5442% | 4,249 |
| Net loans and leases to core deposits | 71.2663% | 3,920 |
| Total domestic deposits to total assets | 87.6384% | 2,547 |
| Equity capital to assets | 8.1594% | 6,289 |
| Core capital (leverage) ratio | 7.0445% | 6,629 |
| Tier 1 risk-based capital ratio | 12.1744% | 5,806 |
| Total risk-based capital ratio | 13.2434% | 5,880 |
| Memoranda: | ||
| Average total assets | $244,449,500 | 2,638 |
| Average earning assets | $231,811,000 | 2,558 |
| Average equity | $20,038,000 | 3,244 |
| Average total loans | $139,847,000 | 2,732 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 2,177 |
| Cost of funding earning assets | 0.7327% | 3,228 |
| Net interest margin | 4.0711% | 2,117 |
| Noninterest income to average assets | 0.6828% | 2,816 |
| Noninterest expense to average assets | 2.9344% | 3,523 |
| Loan and lease loss provision to assets | 0.0706% | 4,855 |
| Net operating income to assets | 1.5230% | 877 |
| Return on assets (ROA) | 1.5252% | 965 |
| Pretax return on assets | 1.5252% | 1,608 |
| Return on Equity (ROE) | 17.8375% | 455 |
| Retained earnings to average equity (ytd only) | 4.5358% | 3,032 |
| Net charge-offs to loans | 0.0165% | 5,681 |
| Credit loss provision to net charge-offs | 704.3478% | 348 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 261 |
| Efficiency ratio | 64.8061% | 4,739 |
| Assets per employee ($millions) | 3.8878% | 4,179 |
| Cash dividends to net income (ytd only)* | 74.5714% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 5,481 |
| Loan loss allowance to noncurrent loans | 174.0000% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 5,358 |
| Noncurrent loans to loans | 0.6422% | 4,913 |
| Net loans and leases to total assets | 56.5777% | 4,187 |
| Net loans and leases to deposits | 64.4756% | 4,482 |
| Net loans and leases to core deposits | 70.9191% | 4,179 |
| Total domestic deposits to total assets | 87.7506% | 2,376 |
| Equity capital to assets | 8.2349% | 6,253 |
| Core capital (leverage) ratio | 7.2968% | 6,585 |
| Tier 1 risk-based capital ratio | 12.2728% | 5,618 |
| Total risk-based capital ratio | 13.3599% | 5,676 |
| Memoranda: | ||
| Average total assets | $229,483,400 | 2,731 |
| Average earning assets | $216,745,800 | 2,649 |
| Average equity | $19,621,600 | 3,240 |
| Average total loans | $139,594,600 | 2,721 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 1,804 |
| Cost of funding earning assets | 0.7686% | 3,203 |
| Net interest margin | 4.1910% | 1,765 |
| Noninterest income to average assets | 0.6790% | 2,818 |
| Noninterest expense to average assets | 2.9890% | 3,266 |
| Loan and lease loss provision to assets | 0.0957% | 4,378 |
| Net operating income to assets | 1.5607% | 934 |
| Return on assets (ROA) | 1.5636% | 1,023 |
| Pretax return on assets | 1.5636% | 1,692 |
| Return on Equity (ROE) | 18.1062% | 487 |
| Retained earnings to average equity (ytd only) | 4.6942% | 3,595 |
| Net charge-offs to loans | 0.0029% | 5,726 |
| Credit loss provision to net charge-offs | 5,400.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 934.3100% | 42 |
| Efficiency ratio | 64.3430% | 4,748 |
| Assets per employee ($millions) | 3.8229% | 4,248 |
| Cash dividends to net income (ytd only)* | 74.0742% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 5,269 |
| Loan loss allowance to noncurrent loans | 131.4002% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 5,123 |
| Noncurrent loans to loans | 0.9151% | 4,605 |
| Net loans and leases to total assets | 54.9777% | 4,596 |
| Net loans and leases to deposits | 62.8816% | 4,861 |
| Net loans and leases to core deposits | 68.8704% | 4,629 |
| Total domestic deposits to total assets | 87.4305% | 2,397 |
| Equity capital to assets | 8.4913% | 6,266 |
| Core capital (leverage) ratio | 7.7257% | 6,510 |
| Tier 1 risk-based capital ratio | 13.2884% | 5,031 |
| Total risk-based capital ratio | 14.4883% | 5,031 |
| Memoranda: | ||
| Average total assets | $225,620,750 | 2,798 |
| Average earning assets | $213,531,250 | 2,715 |
| Average equity | $19,484,500 | 3,293 |
| Average total loans | $139,457,250 | 2,754 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 1,886 |
| Cost of funding earning assets | 0.8144% | 3,082 |
| Net interest margin | 4.1509% | 1,900 |
| Noninterest income to average assets | 0.6861% | 2,740 |
| Noninterest expense to average assets | 3.0331% | 3,142 |
| Loan and lease loss provision to assets | 0.0649% | 4,830 |
| Net operating income to assets | 1.5129% | 970 |
| Return on assets (ROA) | 1.5129% | 1,091 |
| Pretax return on assets | 1.5129% | 1,814 |
| Return on Equity (ROE) | 17.4151% | 586 |
| Retained earnings to average equity (ytd only) | 3.4041% | 4,335 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7802% | 4,571 |
| Assets per employee ($millions) | 3.3985% | 5,214 |
| Cash dividends to net income (ytd only)* | 80.4529% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 6,384 |
| Loan loss allowance to noncurrent loans | 127.7920% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 5,396 |
| Noncurrent loans to loans | 0.7265% | 5,052 |
| Net loans and leases to total assets | 73.5401% | 1,325 |
| Net loans and leases to deposits | 86.2707% | 1,565 |
| Net loans and leases to core deposits | 95.8767% | 1,434 |
| Total domestic deposits to total assets | 85.2434% | 3,743 |
| Equity capital to assets | 9.0321% | 5,667 |
| Core capital (leverage) ratio | 7.7846% | 6,461 |
| Tier 1 risk-based capital ratio | 10.9326% | 6,528 |
| Total risk-based capital ratio | 11.8900% | 6,633 |
| Memoranda: | ||
| Average total assets | $221,821,670 | 2,849 |
| Average earning assets | $209,736,670 | 2,763 |
| Average equity | $19,270,670 | 3,313 |
| Average total loans | $141,978,670 | 2,743 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 2,992 |
| Cost of funding earning assets | 0.8349% | 3,186 |
| Net interest margin | 3.8816% | 2,997 |
| Noninterest income to average assets | 0.6715% | 2,808 |
| Noninterest expense to average assets | 3.0056% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3358% | 1,364 |
| Return on assets (ROA) | 1.3358% | 1,525 |
| Pretax return on assets | 1.3358% | 2,404 |
| Return on Equity (ROE) | 15.6785% | 856 |
| Retained earnings to average equity (ytd only) | -1.0899% | 6,168 |
| Net charge-offs to loans | -0.0060% | 5,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 3,939 |
| Assets per employee ($millions) | 3.6438% | 4,783 |
| Cash dividends to net income (ytd only)* | 106.9519% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 6,042 |
| Loan loss allowance to noncurrent loans | 208.9181% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 5,817 |
| Noncurrent loans to loans | 0.5079% | 5,656 |
| Net loans and leases to total assets | 58.9804% | 3,860 |
| Net loans and leases to deposits | 67.8793% | 4,083 |
| Net loans and leases to core deposits | 75.4331% | 3,696 |
| Total domestic deposits to total assets | 86.8901% | 3,024 |
| Equity capital to assets | 8.4585% | 6,121 |
| Core capital (leverage) ratio | 7.4313% | 6,677 |
| Tier 1 risk-based capital ratio | 12.0277% | 5,944 |
| Total risk-based capital ratio | 13.0546% | 6,062 |
| Memoranda: | ||
| Average total assets | $223,981,000 | 2,844 |
| Average earning assets | $211,769,000 | 2,749 |
| Average equity | $19,083,500 | 3,338 |
| Average total loans | $132,242,500 | 2,903 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1839% | 2,134 |
| Cost of funding earning assets | 0.9815% | 3,499 |
| Net interest margin | 4.2023% | 2,050 |
| Noninterest income to average assets | 0.7555% | 2,308 |
| Noninterest expense to average assets | 3.1009% | 3,191 |
| Loan and lease loss provision to assets | 0.0469% | 5,988 |
| Net operating income to assets | 1.5753% | 706 |
| Return on assets (ROA) | 1.6410% | 661 |
| Pretax return on assets | 1.6410% | 1,118 |
| Return on Equity (ROE) | 19.6304% | 278 |
| Retained earnings to average equity (ytd only) | 5.5766% | 2,254 |
| Net charge-offs to loans | 0.0239% | 6,103 |
| Credit loss provision to net charge-offs | 322.5806% | 723 |
| Earnings coverage of net charge-offs (x) | 111.5806% | 288 |
| Efficiency ratio | 65.6539% | 4,836 |
| Assets per employee ($millions) | 3.5246% | 4,955 |
| Cash dividends to net income (ytd only)* | 71.5919% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 5,816 |
| Loan loss allowance to noncurrent loans | 205.0287% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 5,887 |
| Noncurrent loans to loans | 0.5362% | 5,642 |
| Net loans and leases to total assets | 57.8181% | 4,403 |
| Net loans and leases to deposits | 67.3515% | 4,534 |
| Net loans and leases to core deposits | 75.1980% | 4,078 |
| Total domestic deposits to total assets | 85.8454% | 3,404 |
| Equity capital to assets | 8.5828% | 6,034 |
| Core capital (leverage) ratio | 7.7878% | 6,451 |
| Tier 1 risk-based capital ratio | 12.8678% | 5,183 |
| Total risk-based capital ratio | 13.9615% | 5,275 |
| Memoranda: | ||
| Average total assets | $213,228,400 | 2,910 |
| Average earning assets | $201,316,200 | 2,836 |
| Average equity | $17,824,400 | 3,449 |
| Average total loans | $129,662,800 | 2,985 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3224% | 1,780 |
| Cost of funding earning assets | 0.9930% | 3,733 |
| Net interest margin | 4.3294% | 1,613 |
| Noninterest income to average assets | 0.7620% | 2,249 |
| Noninterest expense to average assets | 3.0593% | 3,320 |
| Loan and lease loss provision to assets | 0.0442% | 5,885 |
| Net operating income to assets | 1.7464% | 570 |
| Return on assets (ROA) | 1.8348% | 526 |
| Pretax return on assets | 1.8348% | 896 |
| Return on Equity (ROE) | 22.1049% | 214 |
| Retained earnings to average equity (ytd only) | 7.2618% | 1,830 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0797% | 5,226 |
| Assets per employee ($millions) | 3.3608% | 5,339 |
| Cash dividends to net income (ytd only)* | 67.1489% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 5,840 |
| Loan loss allowance to noncurrent loans | 190.4000% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 6,148 |
| Noncurrent loans to loans | 0.5842% | 5,706 |
| Net loans and leases to total assets | 61.9228% | 3,744 |
| Net loans and leases to deposits | 73.2674% | 3,770 |
| Net loans and leases to core deposits | 82.2663% | 3,287 |
| Total domestic deposits to total assets | 84.5161% | 4,000 |
| Equity capital to assets | 9.2899% | 5,399 |
| Core capital (leverage) ratio | 7.9283% | 6,454 |
| Tier 1 risk-based capital ratio | 13.0195% | 5,083 |
| Total risk-based capital ratio | 14.1296% | 5,160 |
| Memoranda: | ||
| Average total assets | $211,023,500 | 2,939 |
| Average earning assets | $199,253,000 | 2,872 |
| Average equity | $17,516,000 | 3,513 |
| Average total loans | $129,625,750 | 3,016 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1848% | 2,324 |
| Cost of funding earning assets | 0.9915% | 4,004 |
| Net interest margin | 4.1933% | 2,064 |
| Noninterest income to average assets | 0.7774% | 2,122 |
| Noninterest expense to average assets | 2.9949% | 3,660 |
| Loan and lease loss provision to assets | 0.0657% | 5,487 |
| Net operating income to assets | 1.6796% | 625 |
| Return on assets (ROA) | 1.6796% | 670 |
| Pretax return on assets | 1.6796% | 1,097 |
| Return on Equity (ROE) | 21.0392% | 265 |
| Retained earnings to average equity (ytd only) | 4.5748% | 3,277 |
| Net charge-offs to loans | -0.0077% | 6,640 |
| Credit loss provision to net charge-offs | -1,400.0000% | 6,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1808% | 5,374 |
| Assets per employee ($millions) | 3.5226% | 4,889 |
| Cash dividends to net income (ytd only)* | 78.2560% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 6,462 |
| Loan loss allowance to noncurrent loans | 281.5324% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 6,443 |
| Noncurrent loans to loans | 0.3432% | 6,229 |
| Net loans and leases to total assets | 68.3506% | 2,545 |
| Net loans and leases to deposits | 88.1635% | 1,473 |
| Net loans and leases to core deposits | 99.0758% | 1,429 |
| Total domestic deposits to total assets | 77.5270% | 6,366 |
| Equity capital to assets | 8.4277% | 6,267 |
| Core capital (leverage) ratio | 7.8248% | 6,491 |
| Tier 1 risk-based capital ratio | 10.9327% | 6,582 |
| Total risk-based capital ratio | 11.9008% | 6,724 |
| Memoranda: | ||
| Average total assets | $213,029,000 | 2,936 |
| Average earning assets | $201,319,000 | 2,856 |
| Average equity | $17,006,330 | 3,570 |
| Average total loans | $130,043,000 | 3,037 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9830% | 3,178 |
| Cost of funding earning assets | 1.0277% | 4,004 |
| Net interest margin | 3.9553% | 2,892 |
| Noninterest income to average assets | 0.8543% | 1,836 |
| Noninterest expense to average assets | 2.9853% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6067% | 684 |
| Return on assets (ROA) | 1.6067% | 728 |
| Pretax return on assets | 1.6067% | 1,176 |
| Return on Equity (ROE) | 20.7110% | 307 |
| Retained earnings to average equity (ytd only) | 2.4795% | 4,667 |
| Net charge-offs to loans | -0.0165% | 6,512 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0103% | 5,188 |
| Assets per employee ($millions) | 3.2717% | 5,551 |
| Cash dividends to net income (ytd only)* | 88.0282% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 6,062 |
| Loan loss allowance to noncurrent loans | 404.4510% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 6,741 |
| Noncurrent loans to loans | 0.2709% | 6,447 |
| Net loans and leases to total assets | 61.6528% | 3,935 |
| Net loans and leases to deposits | 73.7217% | 3,802 |
| Net loans and leases to core deposits | 82.2381% | 3,426 |
| Total domestic deposits to total assets | 83.6291% | 4,655 |
| Equity capital to assets | 8.4610% | 5,963 |
| Core capital (leverage) ratio | 7.6095% | 6,647 |
| Tier 1 risk-based capital ratio | 12.1126% | 5,592 |
| Total risk-based capital ratio | 13.1512% | 5,773 |
| Memoranda: | ||
| Average total assets | $212,105,500 | 2,966 |
| Average earning assets | $200,441,000 | 2,882 |
| Average equity | $16,455,000 | 3,644 |
| Average total loans | $120,913,500 | 3,241 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4155% | 2,602 |
| Cost of funding earning assets | 1.1611% | 4,785 |
| Net interest margin | 4.2544% | 1,978 |
| Noninterest income to average assets | 0.7750% | 2,402 |
| Noninterest expense to average assets | 3.0077% | 3,822 |
| Loan and lease loss provision to assets | 0.0362% | 6,795 |
| Net operating income to assets | 1.7383% | 479 |
| Return on assets (ROA) | 1.7383% | 522 |
| Pretax return on assets | 1.7383% | 876 |
| Return on Equity (ROE) | 22.2505% | 159 |
| Retained earnings to average equity (ytd only) | 8.6530% | 798 |
| Net charge-offs to loans | 0.0488% | 6,307 |
| Credit loss provision to net charge-offs | 131.5789% | 3,000 |
| Earnings coverage of net charge-offs (x) | 64.4737% | 370 |
| Efficiency ratio | 62.8938% | 5,541 |
| Assets per employee ($millions) | 3.9410% | 3,911 |
| Cash dividends to net income (ytd only)* | 61.1111% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 5,710 |
| Loan loss allowance to noncurrent loans | 391.3545% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 6,847 |
| Noncurrent loans to loans | 0.2955% | 6,468 |
| Net loans and leases to total assets | 51.6669% | 5,965 |
| Net loans and leases to deposits | 59.8127% | 6,076 |
| Net loans and leases to core deposits | 70.6057% | 5,386 |
| Total domestic deposits to total assets | 86.3811% | 3,149 |
| Equity capital to assets | 7.1333% | 7,071 |
| Core capital (leverage) ratio | 7.4365% | 6,756 |
| Tier 1 risk-based capital ratio | 12.6944% | 4,868 |
| Total risk-based capital ratio | 13.7858% | 4,984 |
| Memoranda: | ||
| Average total assets | $207,100,600 | 3,012 |
| Average earning assets | $195,069,600 | 2,939 |
| Average equity | $16,179,400 | 3,725 |
| Average total loans | $116,891,000 | 3,383 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6094% | 2,030 |
| Cost of funding earning assets | 1.1749% | 5,008 |
| Net interest margin | 4.4345% | 1,413 |
| Noninterest income to average assets | 0.7787% | 2,331 |
| Noninterest expense to average assets | 3.0387% | 3,612 |
| Loan and lease loss provision to assets | 0.0493% | 6,593 |
| Net operating income to assets | 1.8640% | 440 |
| Return on assets (ROA) | 1.8640% | 489 |
| Pretax return on assets | 1.8640% | 823 |
| Return on Equity (ROE) | 23.2983% | 154 |
| Retained earnings to average equity (ytd only) | 9.7337% | 857 |
| Net charge-offs to loans | 0.0582% | 5,930 |
| Credit loss provision to net charge-offs | 147.0588% | 2,669 |
| Earnings coverage of net charge-offs (x) | 57.0378% | 504 |
| Efficiency ratio | 61.3627% | 5,728 |
| Assets per employee ($millions) | 3.5345% | 4,893 |
| Cash dividends to net income (ytd only)* | 58.2218% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 5,736 |
| Loan loss allowance to noncurrent loans | 277.2358% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 6,767 |
| Noncurrent loans to loans | 0.4125% | 6,373 |
| Net loans and leases to total assets | 57.5128% | 5,333 |
| Net loans and leases to deposits | 68.7645% | 5,315 |
| Net loans and leases to core deposits | 81.9129% | 4,261 |
| Total domestic deposits to total assets | 83.6373% | 4,304 |
| Equity capital to assets | 8.6526% | 6,095 |
| Core capital (leverage) ratio | 7.4552% | 6,876 |
| Tier 1 risk-based capital ratio | 12.8688% | 4,675 |
| Total risk-based capital ratio | 13.9955% | 4,760 |
| Memoranda: | ||
| Average total assets | $202,716,500 | 3,104 |
| Average earning assets | $190,770,500 | 3,027 |
| Average equity | $16,218,250 | 3,766 |
| Average total loans | $116,758,500 | 3,427 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5363% | 2,379 |
| Cost of funding earning assets | 1.1685% | 5,293 |
| Net interest margin | 4.3678% | 1,542 |
| Noninterest income to average assets | 0.7734% | 2,266 |
| Noninterest expense to average assets | 3.0254% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8569% | 439 |
| Return on assets (ROA) | 1.8569% | 481 |
| Pretax return on assets | 1.8569% | 806 |
| Return on Equity (ROE) | 23.8676% | 155 |
| Retained earnings to average equity (ytd only) | 9.8653% | 874 |
| Net charge-offs to loans | 0.0431% | 5,773 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 419 |
| Efficiency ratio | 61.9675% | 5,695 |
| Assets per employee ($millions) | 3.6459% | 4,595 |
| Cash dividends to net income (ytd only)* | 58.6667% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 6,475 |
| Loan loss allowance to noncurrent loans | 304.3981% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 6,897 |
| Noncurrent loans to loans | 0.3227% | 6,582 |
| Net loans and leases to total assets | 61.6167% | 4,761 |
| Net loans and leases to deposits | 80.0850% | 3,584 |
| Net loans and leases to core deposits | 91.7907% | 3,016 |
| Total domestic deposits to total assets | 76.9391% | 6,519 |
| Equity capital to assets | 7.7714% | 6,951 |
| Core capital (leverage) ratio | 7.4789% | 6,842 |
| Tier 1 risk-based capital ratio | 10.6712% | 6,550 |
| Total risk-based capital ratio | 11.5963% | 6,785 |
| Memoranda: | ||
| Average total assets | $201,954,330 | 3,135 |
| Average earning assets | $189,981,670 | 3,063 |
| Average equity | $15,711,670 | 3,854 |
| Average total loans | $115,922,330 | 3,480 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4663% | 2,751 |
| Cost of funding earning assets | 1.2251% | 5,257 |
| Net interest margin | 4.2412% | 1,888 |
| Noninterest income to average assets | 0.7780% | 2,131 |
| Noninterest expense to average assets | 3.1467% | 3,069 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6215% | 714 |
| Return on assets (ROA) | 1.6215% | 763 |
| Pretax return on assets | 1.6215% | 1,216 |
| Return on Equity (ROE) | 20.8298% | 336 |
| Retained earnings to average equity (ytd only) | 6.3647% | 2,435 |
| Net charge-offs to loans | -0.0150% | 6,995 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9940% | 5,116 |
| Assets per employee ($millions) | 3.4067% | 5,270 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 5,454 |
| Loan loss allowance to noncurrent loans | 241.7266% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 6,761 |
| Noncurrent loans to loans | 0.5005% | 6,296 |
| Net loans and leases to total assets | 55.5441% | 5,812 |
| Net loans and leases to deposits | 67.2807% | 5,679 |
| Net loans and leases to core deposits | 79.3580% | 4,847 |
| Total domestic deposits to total assets | 82.5557% | 4,824 |
| Equity capital to assets | 7.7388% | 6,894 |
| Core capital (leverage) ratio | 7.4026% | 6,932 |
| Tier 1 risk-based capital ratio | 12.1171% | 5,069 |
| Total risk-based capital ratio | 13.2297% | 5,175 |
| Memoranda: | ||
| Average total assets | $195,377,000 | 3,282 |
| Average earning assets | $183,817,000 | 3,208 |
| Average equity | $15,209,000 | 3,980 |
| Average total loans | $106,954,500 | 3,755 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1644% | 1,334 |
| Cost of funding earning assets | 1.4898% | 5,552 |
| Net interest margin | 4.6746% | 874 |
| Noninterest income to average assets | 0.8440% | 2,207 |
| Noninterest expense to average assets | 3.2423% | 3,220 |
| Loan and lease loss provision to assets | 0.0532% | 7,032 |
| Net operating income to assets | 1.9612% | 248 |
| Return on assets (ROA) | 1.9979% | 242 |
| Pretax return on assets | 1.9979% | 403 |
| Return on Equity (ROE) | 26.2554% | 79 |
| Retained earnings to average equity (ytd only) | 8.3063% | 627 |
| Net charge-offs to loans | 0.0436% | 6,669 |
| Credit loss provision to net charge-offs | 212.7660% | 1,805 |
| Earnings coverage of net charge-offs (x) | 80.4894% | 339 |
| Efficiency ratio | 61.6795% | 6,206 |
| Assets per employee ($millions) | 3.3304% | 5,424 |
| Cash dividends to net income (ytd only)* | 68.3635% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 4,740 |
| Loan loss allowance to noncurrent loans | 174.0260% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 6,447 |
| Noncurrent loans to loans | 0.7489% | 5,764 |
| Net loans and leases to total assets | 52.5333% | 6,362 |
| Net loans and leases to deposits | 61.3192% | 6,533 |
| Net loans and leases to core deposits | 84.4669% | 5,676 |
| Total domestic deposits to total assets | 85.6718% | 3,185 |
| Equity capital to assets | 7.8311% | 6,738 |
| Core capital (leverage) ratio | 7.4934% | 6,794 |
| Tier 1 risk-based capital ratio | 12.8735% | 4,228 |
| Total risk-based capital ratio | 14.0718% | 4,218 |
| Memoranda: | ||
| Average total assets | $187,796,000 | 3,315 |
| Average earning assets | $177,277,400 | 3,251 |
| Average equity | $14,290,400 | 4,193 |
| Average total loans | $107,679,000 | 3,745 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3042% | 1,132 |
| Cost of funding earning assets | 1.5466% | 5,650 |
| Net interest margin | 4.7576% | 744 |
| Noninterest income to average assets | 0.8338% | 2,265 |
| Noninterest expense to average assets | 3.2150% | 3,254 |
| Loan and lease loss provision to assets | 0.0715% | 6,642 |
| Net operating income to assets | 2.0480% | 261 |
| Return on assets (ROA) | 2.0973% | 260 |
| Pretax return on assets | 2.0973% | 444 |
| Return on Equity (ROE) | 27.7715% | 79 |
| Retained earnings to average equity (ytd only) | 9.8758% | 661 |
| Net charge-offs to loans | 0.0122% | 6,756 |
| Credit loss provision to net charge-offs | 1,000.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 296.4666% | 122 |
| Efficiency ratio | 60.2681% | 6,376 |
| Assets per employee ($millions) | 3.3362% | 5,290 |
| Cash dividends to net income (ytd only)* | 64.4392% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 4,954 |
| Loan loss allowance to noncurrent loans | 138.9506% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5513% | 6,082 |
| Noncurrent loans to loans | 0.8849% | 5,517 |
| Net loans and leases to total assets | 59.2053% | 5,712 |
| Net loans and leases to deposits | 70.0027% | 5,916 |
| Net loans and leases to core deposits | 97.3800% | 4,672 |
| Total domestic deposits to total assets | 84.5757% | 3,441 |
| Equity capital to assets | 8.4993% | 6,255 |
| Core capital (leverage) ratio | 7.4089% | 7,070 |
| Tier 1 risk-based capital ratio | 12.9457% | 4,229 |
| Total risk-based capital ratio | 14.1966% | 4,157 |
| Memoranda: | ||
| Average total assets | $186,453,750 | 3,363 |
| Average earning assets | $176,386,750 | 3,284 |
| Average equity | $14,081,250 | 4,276 |
| Average total loans | $108,894,750 | 3,758 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1539% | 1,609 |
| Cost of funding earning assets | 1.5943% | 5,769 |
| Net interest margin | 4.5596% | 1,037 |
| Noninterest income to average assets | 0.8201% | 2,316 |
| Noninterest expense to average assets | 3.1181% | 3,628 |
| Loan and lease loss provision to assets | 0.0537% | 6,688 |
| Net operating income to assets | 1.9643% | 320 |
| Return on assets (ROA) | 1.9643% | 352 |
| Pretax return on assets | 1.9643% | 610 |
| Return on Equity (ROE) | 27.1473% | 102 |
| Retained earnings to average equity (ytd only) | 17.6532% | 114 |
| Net charge-offs to loans | 0.0204% | 6,228 |
| Credit loss provision to net charge-offs | 454.5455% | 1,021 |
| Earnings coverage of net charge-offs (x) | 170.9091% | 244 |
| Efficiency ratio | 60.7106% | 6,446 |
| Assets per employee ($millions) | 3.3261% | 5,248 |
| Cash dividends to net income (ytd only)* | 34.9727% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 5,826 |
| Loan loss allowance to noncurrent loans | 98.5141% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.7300% | 5,591 |
| Noncurrent loans to loans | 1.0780% | 5,048 |
| Net loans and leases to total assets | 65.1574% | 4,729 |
| Net loans and leases to deposits | 76.1810% | 5,142 |
| Net loans and leases to core deposits | 110.6719% | 3,310 |
| Total domestic deposits to total assets | 85.5298% | 3,004 |
| Equity capital to assets | 7.6381% | 7,144 |
| Core capital (leverage) ratio | 7.5972% | 6,909 |
| Tier 1 risk-based capital ratio | 12.1664% | 4,788 |
| Total risk-based capital ratio | 13.2869% | 4,809 |
| Memoranda: | ||
| Average total assets | $186,329,000 | 3,389 |
| Average earning assets | $176,375,000 | 3,310 |
| Average equity | $13,482,000 | 4,425 |
| Average total loans | $107,863,330 | 3,817 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0726% | 2,060 |
| Cost of funding earning assets | 1.6207% | 5,943 |
| Net interest margin | 4.4519% | 1,228 |
| Noninterest income to average assets | 0.8078% | 2,285 |
| Noninterest expense to average assets | 3.1359% | 3,244 |
| Loan and lease loss provision to assets | 0.1083% | 5,585 |
| Net operating income to assets | 1.7694% | 562 |
| Return on assets (ROA) | 1.7694% | 618 |
| Pretax return on assets | 1.7694% | 1,041 |
| Return on Equity (ROE) | 25.1723% | 182 |
| Retained earnings to average equity (ytd only) | 5.4535% | 2,879 |
| Net charge-offs to loans | -0.0121% | 7,314 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5486% | 5,961 |
| Assets per employee ($millions) | 3.4086% | 5,051 |
| Cash dividends to net income (ytd only)* | 78.3354% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 4,007 |
| Loan loss allowance to noncurrent loans | 213.3758% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 6,494 |
| Noncurrent loans to loans | 0.6150% | 5,862 |
| Net loans and leases to total assets | 51.8678% | 6,699 |
| Net loans and leases to deposits | 60.9595% | 6,816 |
| Net loans and leases to core deposits | 87.3932% | 5,796 |
| Total domestic deposits to total assets | 85.0857% | 3,158 |
| Equity capital to assets | 6.7698% | 7,776 |
| Core capital (leverage) ratio | 7.3625% | 7,308 |
| Tier 1 risk-based capital ratio | 12.5115% | 4,544 |
| Total risk-based capital ratio | 13.7612% | 4,461 |
| Memoranda: | ||
| Average total assets | $184,698,500 | 3,438 |
| Average earning assets | $174,489,000 | 3,357 |
| Average equity | $12,982,500 | 4,584 |
| Average total loans | $99,366,000 | 4,056 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1245% | 876 |
| Cost of funding earning assets | 2.2496% | 5,370 |
| Net interest margin | 4.8749% | 663 |
| Noninterest income to average assets | 0.9785% | 1,656 |
| Noninterest expense to average assets | 3.4095% | 2,645 |
| Loan and lease loss provision to assets | 0.0294% | 7,036 |
| Net operating income to assets | 2.0809% | 301 |
| Return on assets (ROA) | 2.1385% | 262 |
| Pretax return on assets | 2.1385% | 450 |
| Return on Equity (ROE) | 28.9520% | 74 |
| Retained earnings to average equity (ytd only) | 8.6753% | 661 |
| Net charge-offs to loans | 0.0471% | 6,115 |
| Credit loss provision to net charge-offs | 108.6957% | 4,948 |
| Earnings coverage of net charge-offs (x) | 78.1087% | 528 |
| Efficiency ratio | 61.7685% | 5,995 |
| Assets per employee ($millions) | 3.0191% | 6,018 |
| Cash dividends to net income (ytd only)* | 70.0357% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 3,578 |
| Loan loss allowance to noncurrent loans | 206.2500% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 6,116 |
| Noncurrent loans to loans | 0.6458% | 5,429 |
| Net loans and leases to total assets | 54.4416% | 6,606 |
| Net loans and leases to deposits | 63.0884% | 6,870 |
| Net loans and leases to core deposits | 83.3262% | 6,355 |
| Total domestic deposits to total assets | 86.2941% | 2,264 |
| Equity capital to assets | 7.3167% | 7,540 |
| Core capital (leverage) ratio | 7.6827% | 6,962 |
| Tier 1 risk-based capital ratio | 13.8498% | 3,622 |
| Total risk-based capital ratio | 15.1008% | 3,539 |
| Memoranda: | ||
| Average total assets | $170,259,800 | 3,551 |
| Average earning assets | $158,607,800 | 3,496 |
| Average equity | $12,576,000 | 4,681 |
| Average total loans | $97,759,800 | 4,011 |