Home > Grand Ridge National Bank > Performance and Condition Ratios
Grand Ridge National 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 | 6.9594% | 232 |
| Cost of funding earning assets | 1.3457% | 2,372 |
| Net interest margin | 5.6137% | 162 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 3.0260% | 1,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7991% | 613 |
| Return on assets (ROA) | 1.7991% | 589 |
| Pretax return on assets | 2.5632% | 317 |
| Return on Equity (ROE) | 13.2500% | 1,665 |
| Retained earnings to average equity (ytd only) | 13.2519% | 474 |
| Net charge-offs to loans | -0.0298% | 4,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.1399% | 3,669 |
| Assets per employee ($millions) | 8.3896% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 2,470 |
| Loan loss allowance to noncurrent loans | 335.8899% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 1,791 |
| Noncurrent loans to loans | 0.3472% | 1,938 |
| Net loans and leases to total assets | 82.1600% | 415 |
| Net loans and leases to deposits | 95.2551% | 845 |
| Net loans and leases to core deposits | 112.4579% | 873 |
| Total domestic deposits to total assets | 86.2500% | 1,929 |
| Equity capital to assets | 13.5152% | 766 |
| Core capital (leverage) ratio | 13.0489% | 1,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $328,882,200 | 2,272 |
| Average earning assets | $318,861,800 | 2,211 |
| Average equity | $44,650,200 | 1,744 |
| Average total loans | $274,823,000 | 1,895 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8207% | 229 |
| Cost of funding earning assets | 1.1929% | 2,455 |
| Net interest margin | 5.6278% | 159 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.9839% | 1,094 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8183% | 642 |
| Return on assets (ROA) | 1.8183% | 635 |
| Pretax return on assets | 2.6112% | 339 |
| Return on Equity (ROE) | 13.3800% | 1,830 |
| Retained earnings to average equity (ytd only) | 13.3764% | 761 |
| Net charge-offs to loans | -0.0385% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.3309% | 3,647 |
| Assets per employee ($millions) | 7.8690% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 2,420 |
| Loan loss allowance to noncurrent loans | 335.4966% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 1,808 |
| Noncurrent loans to loans | 0.3542% | 1,957 |
| Net loans and leases to total assets | 83.8400% | 292 |
| Net loans and leases to deposits | 97.7076% | 629 |
| Net loans and leases to core deposits | 114.4932% | 712 |
| Total domestic deposits to total assets | 85.8100% | 2,254 |
| Equity capital to assets | 13.6269% | 705 |
| Core capital (leverage) ratio | 13.5482% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $323,011,500 | 2,301 |
| Average earning assets | $312,842,250 | 2,232 |
| Average equity | $43,907,000 | 1,754 |
| Average total loans | $270,302,750 | 1,917 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6151% | 234 |
| Cost of funding earning assets | 1.0528% | 2,447 |
| Net interest margin | 5.5623% | 163 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.8922% | 1,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8371% | 617 |
| Return on assets (ROA) | 1.8371% | 616 |
| Pretax return on assets | 2.6323% | 298 |
| Return on Equity (ROE) | 13.5300% | 1,785 |
| Retained earnings to average equity (ytd only) | 13.5270% | 739 |
| Net charge-offs to loans | 0.0166% | 1,585 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 190.1818% | 634 |
| Efficiency ratio | 52.3517% | 3,753 |
| Assets per employee ($millions) | 7.7933% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 2,429 |
| Loan loss allowance to noncurrent loans | 325.6637% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 1,705 |
| Noncurrent loans to loans | 0.3689% | 1,820 |
| Net loans and leases to total assets | 81.2700% | 495 |
| Net loans and leases to deposits | 94.2850% | 833 |
| Net loans and leases to core deposits | 103.5162% | 1,068 |
| Total domestic deposits to total assets | 86.2000% | 2,170 |
| Equity capital to assets | 13.3165% | 743 |
| Core capital (leverage) ratio | 13.4841% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $317,892,667 | 2,342 |
| Average earning assets | $307,571,333 | 2,269 |
| Average equity | $43,173,000 | 1,777 |
| Average total loans | $264,703,333 | 1,931 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5631% | 168 |
| Cost of funding earning assets | 0.8669% | 2,482 |
| Net interest margin | 5.6963% | 120 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.9190% | 1,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9167% | 557 |
| Return on assets (ROA) | 1.9167% | 550 |
| Pretax return on assets | 2.7457% | 270 |
| Return on Equity (ROE) | 13.9700% | 1,780 |
| Retained earnings to average equity (ytd only) | 13.9657% | 943 |
| Net charge-offs to loans | 0.0339% | 1,041 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 96.5000% | 803 |
| Efficiency ratio | 51.5297% | 3,818 |
| Assets per employee ($millions) | 7.6152% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 2,124 |
| Loan loss allowance to noncurrent loans | 568.0961% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 2,213 |
| Noncurrent loans to loans | 0.2255% | 2,364 |
| Net loans and leases to total assets | 81.7400% | 393 |
| Net loans and leases to deposits | 95.4213% | 687 |
| Net loans and leases to core deposits | 102.8517% | 974 |
| Total domestic deposits to total assets | 85.6600% | 2,689 |
| Equity capital to assets | 13.8323% | 615 |
| Core capital (leverage) ratio | 13.4673% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $309,283,500 | 2,410 |
| Average earning assets | $299,003,500 | 2,349 |
| Average equity | $42,447,000 | 1,821 |
| Average total loans | $259,225,000 | 1,979 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9945% | 95 |
| Cost of funding earning assets | 0.2990% | 2,886 |
| Net interest margin | 5.6955% | 68 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 3.0617% | 884 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.8110% | 430 |
| Return on assets (ROA) | 1.8110% | 416 |
| Pretax return on assets | 2.5683% | 196 |
| Return on Equity (ROE) | 14.2600% | 1,475 |
| Retained earnings to average equity (ytd only) | 14.2560% | 357 |
| Net charge-offs to loans | -0.1193% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.3824% | 3,764 |
| Assets per employee ($millions) | 8.2795% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 1,981 |
| Loan loss allowance to noncurrent loans | 571.8696% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 2,227 |
| Noncurrent loans to loans | 0.2243% | 2,370 |
| Net loans and leases to total assets | 83.7600% | 276 |
| Net loans and leases to deposits | 97.5042% | 554 |
| Net loans and leases to core deposits | 104.1955% | 818 |
| Total domestic deposits to total assets | 85.9000% | 2,760 |
| Equity capital to assets | 13.6142% | 614 |
| Core capital (leverage) ratio | 13.3858% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $307,017,400 | 2,419 |
| Average earning assets | $297,324,200 | 2,351 |
| Average equity | $39,001,200 | 1,954 |
| Average total loans | $249,852,000 | 1,943 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8721% | 85 |
| Cost of funding earning assets | 0.2325% | 2,900 |
| Net interest margin | 5.6396% | 65 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.9241% | 1,012 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8629% | 377 |
| Return on assets (ROA) | 1.8629% | 368 |
| Pretax return on assets | 2.6520% | 183 |
| Return on Equity (ROE) | 14.9300% | 1,194 |
| Retained earnings to average equity (ytd only) | 14.9316% | 370 |
| Net charge-offs to loans | -0.1606% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.4403% | 3,974 |
| Assets per employee ($millions) | 8.2847% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 2,062 |
| Loan loss allowance to noncurrent loans | 571.8696% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 2,335 |
| Noncurrent loans to loans | 0.2261% | 2,484 |
| Net loans and leases to total assets | 83.0400% | 318 |
| Net loans and leases to deposits | 96.6259% | 525 |
| Net loans and leases to core deposits | 104.4122% | 635 |
| Total domestic deposits to total assets | 85.9400% | 3,077 |
| Equity capital to assets | 13.1926% | 651 |
| Core capital (leverage) ratio | 12.9282% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $307,186,250 | 2,432 |
| Average earning assets | $297,601,500 | 2,370 |
| Average equity | $38,325,000 | 2,010 |
| Average total loans | $247,333,000 | 1,956 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7765% | 84 |
| Cost of funding earning assets | 0.2033% | 2,875 |
| Net interest margin | 5.5732% | 68 |
| Noninterest income to average assets | 0.1054% | 4,462 |
| Noninterest expense to average assets | 2.7228% | 1,331 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9596% | 247 |
| Return on assets (ROA) | 1.9596% | 246 |
| Pretax return on assets | 2.7872% | 127 |
| Return on Equity (ROE) | 16.0128% | 699 |
| Retained earnings to average equity (ytd only) | 16.0128% | 189 |
| Net charge-offs to loans | -0.2428% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4155% | 4,287 |
| Assets per employee ($millions) | 8.4370% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 2,007 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 80.7370% | 355 |
| Net loans and leases to deposits | 93.4707% | 541 |
| Net loans and leases to core deposits | 103.1163% | 545 |
| Total domestic deposits to total assets | 86.3769% | 3,150 |
| Equity capital to assets | 12.8929% | 680 |
| Core capital (leverage) ratio | 12.2214% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,403,333 | 2,446 |
| Average earning assets | $298,106,333 | 2,389 |
| Average equity | $37,620,000 | 2,091 |
| Average total loans | $243,813,333 | 1,973 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3209% | 109 |
| Cost of funding earning assets | 0.1934% | 2,886 |
| Net interest margin | 5.1275% | 89 |
| Noninterest income to average assets | 0.1061% | 4,474 |
| Noninterest expense to average assets | 2.5172% | 1,846 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7993% | 334 |
| Return on assets (ROA) | 1.7993% | 332 |
| Pretax return on assets | 2.5624% | 169 |
| Return on Equity (ROE) | 15.0991% | 633 |
| Retained earnings to average equity (ytd only) | 15.0991% | 282 |
| Net charge-offs to loans | -0.2054% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5544% | 4,335 |
| Assets per employee ($millions) | 9.2428% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 2,352 |
| Loan loss allowance to noncurrent loans | 774.5098% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 2,892 |
| Noncurrent loans to loans | 0.1682% | 2,970 |
| Net loans and leases to total assets | 76.2028% | 495 |
| Net loans and leases to deposits | 88.7567% | 576 |
| Net loans and leases to core deposits | 98.7403% | 551 |
| Total domestic deposits to total assets | 85.8558% | 3,307 |
| Equity capital to assets | 11.9467% | 976 |
| Core capital (leverage) ratio | 11.6298% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,238,500 | 2,455 |
| Average earning assets | $299,951,500 | 2,386 |
| Average equity | $36,850,000 | 2,186 |
| Average total loans | $241,441,500 | 1,979 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7593% | 101 |
| Cost of funding earning assets | 0.2204% | 3,253 |
| Net interest margin | 5.5389% | 81 |
| Noninterest income to average assets | 0.3506% | 3,336 |
| Noninterest expense to average assets | 3.0662% | 895 |
| Loan and lease loss provision to assets | 0.2702% | 323 |
| Net operating income to assets | 1.6896% | 645 |
| Return on assets (ROA) | 1.6896% | 670 |
| Pretax return on assets | 2.3867% | 305 |
| Return on Equity (ROE) | 14.9464% | 960 |
| Retained earnings to average equity (ytd only) | 14.9464% | 226 |
| Net charge-offs to loans | 0.0258% | 1,731 |
| Credit loss provision to net charge-offs | 1,290.3226% | 439 |
| Earnings coverage of net charge-offs (x) | 126.8871% | 747 |
| Efficiency ratio | 53.5761% | 3,977 |
| Assets per employee ($millions) | 8.9477% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,543 |
| Loan loss allowance to noncurrent loans | 379.0262% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 2,230 |
| Noncurrent loans to loans | 0.3334% | 2,389 |
| Net loans and leases to total assets | 77.9746% | 377 |
| Net loans and leases to deposits | 91.0842% | 520 |
| Net loans and leases to core deposits | 101.6886% | 464 |
| Total domestic deposits to total assets | 85.6072% | 3,050 |
| Equity capital to assets | 11.8851% | 1,303 |
| Core capital (leverage) ratio | 11.4733% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,104,200 | 2,450 |
| Average earning assets | $287,206,000 | 2,396 |
| Average equity | $33,473,000 | 2,361 |
| Average total loans | $240,495,600 | 1,990 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9058% | 96 |
| Cost of funding earning assets | 0.2318% | 3,306 |
| Net interest margin | 5.6739% | 79 |
| Noninterest income to average assets | 0.1224% | 4,578 |
| Noninterest expense to average assets | 3.0717% | 859 |
| Loan and lease loss provision to assets | 0.3628% | 192 |
| Net operating income to assets | 1.5606% | 1,124 |
| Return on assets (ROA) | 1.5606% | 1,173 |
| Pretax return on assets | 2.1917% | 555 |
| Return on Equity (ROE) | 13.9907% | 1,395 |
| Retained earnings to average equity (ytd only) | 13.9907% | 512 |
| Net charge-offs to loans | 0.0349% | 1,379 |
| Credit loss provision to net charge-offs | 1,269.8413% | 452 |
| Earnings coverage of net charge-offs (x) | 89.4286% | 926 |
| Efficiency ratio | 54.5975% | 3,719 |
| Assets per employee ($millions) | 9.2183% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,721 |
| Loan loss allowance to noncurrent loans | 378.9014% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 2,452 |
| Noncurrent loans to loans | 0.3304% | 2,599 |
| Net loans and leases to total assets | 78.7032% | 360 |
| Net loans and leases to deposits | 92.0485% | 490 |
| Net loans and leases to core deposits | 103.3368% | 481 |
| Total domestic deposits to total assets | 85.5019% | 2,944 |
| Equity capital to assets | 11.3736% | 1,758 |
| Core capital (leverage) ratio | 10.9913% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $294,074,750 | 2,479 |
| Average earning assets | $285,251,000 | 2,426 |
| Average equity | $32,802,000 | 2,428 |
| Average total loans | $240,556,500 | 2,023 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8620% | 110 |
| Cost of funding earning assets | 0.2495% | 3,286 |
| Net interest margin | 5.6124% | 84 |
| Noninterest income to average assets | 0.1183% | 4,609 |
| Noninterest expense to average assets | 2.9611% | 1,047 |
| Loan and lease loss provision to assets | 0.5504% | 88 |
| Net operating income to assets | 1.4661% | 1,384 |
| Return on assets (ROA) | 1.4661% | 1,444 |
| Pretax return on assets | 2.0537% | 749 |
| Return on Equity (ROE) | 13.2348% | 1,639 |
| Retained earnings to average equity (ytd only) | 13.2348% | 678 |
| Net charge-offs to loans | -0.0017% | 3,159 |
| Credit loss provision to net charge-offs | -40,000.0000% | 4,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2081% | 3,902 |
| Assets per employee ($millions) | 9.4417% | 729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,623 |
| Loan loss allowance to noncurrent loans | 386.8914% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 2,607 |
| Noncurrent loans to loans | 0.3264% | 2,745 |
| Net loans and leases to total assets | 80.1995% | 304 |
| Net loans and leases to deposits | 93.2317% | 487 |
| Net loans and leases to core deposits | 104.6686% | 511 |
| Total domestic deposits to total assets | 86.0218% | 2,732 |
| Equity capital to assets | 11.0180% | 1,958 |
| Core capital (leverage) ratio | 11.1770% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,698,000 | 2,492 |
| Average earning assets | $282,123,000 | 2,437 |
| Average equity | $32,203,000 | 2,442 |
| Average total loans | $239,924,000 | 2,032 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 201 |
| Cost of funding earning assets | 0.2979% | 3,019 |
| Net interest margin | 5.1551% | 156 |
| Noninterest income to average assets | 0.1249% | 4,572 |
| Noninterest expense to average assets | 2.7370% | 1,528 |
| Loan and lease loss provision to assets | 0.4211% | 177 |
| Net operating income to assets | 1.4078% | 1,557 |
| Return on assets (ROA) | 1.4078% | 1,627 |
| Pretax return on assets | 1.9707% | 994 |
| Return on Equity (ROE) | 12.6721% | 1,759 |
| Retained earnings to average equity (ytd only) | 12.6721% | 980 |
| Net charge-offs to loans | -0.0017% | 3,100 |
| Credit loss provision to net charge-offs | -30,000.0000% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3662% | 3,866 |
| Assets per employee ($millions) | 9.0272% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 3,573 |
| Loan loss allowance to noncurrent loans | 302.5611% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 2,660 |
| Noncurrent loans to loans | 0.3536% | 2,815 |
| Net loans and leases to total assets | 83.1889% | 176 |
| Net loans and leases to deposits | 96.4480% | 394 |
| Net loans and leases to core deposits | 104.4813% | 559 |
| Total domestic deposits to total assets | 86.2526% | 2,650 |
| Equity capital to assets | 11.1334% | 1,766 |
| Core capital (leverage) ratio | 10.8096% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,980,000 | 2,516 |
| Average earning assets | $276,621,500 | 2,454 |
| Average equity | $31,660,000 | 2,453 |
| Average total loans | $237,181,500 | 2,051 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4062% | 60 |
| Cost of funding earning assets | 0.5864% | 2,404 |
| Net interest margin | 5.8198% | 49 |
| Noninterest income to average assets | 0.1453% | 4,569 |
| Noninterest expense to average assets | 3.1326% | 1,176 |
| Loan and lease loss provision to assets | 0.4844% | 532 |
| Net operating income to assets | 1.5352% | 734 |
| Return on assets (ROA) | 1.5352% | 799 |
| Pretax return on assets | 2.1573% | 323 |
| Return on Equity (ROE) | 12.8782% | 1,072 |
| Retained earnings to average equity (ytd only) | 11.9266% | 321 |
| Net charge-offs to loans | -0.0304% | 4,542 |
| Credit loss provision to net charge-offs | -1,904.7619% | 4,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2506% | 4,186 |
| Assets per employee ($millions) | 9.3697% | 658 |
| Cash dividends to net income (ytd only)* | 7.3889% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 3,899 |
| Loan loss allowance to noncurrent loans | 210.6324% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 2,435 |
| Noncurrent loans to loans | 0.4714% | 2,556 |
| Net loans and leases to total assets | 81.5248% | 327 |
| Net loans and leases to deposits | 94.0927% | 653 |
| Net loans and leases to core deposits | 102.4417% | 792 |
| Total domestic deposits to total assets | 86.6431% | 2,098 |
| Equity capital to assets | 11.0850% | 2,188 |
| Core capital (leverage) ratio | 11.1265% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,714,600 | 2,593 |
| Average earning assets | $239,595,000 | 2,530 |
| Average equity | $29,530,600 | 2,496 |
| Average total loans | $206,898,600 | 2,184 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6917% | 55 |
| Cost of funding earning assets | 0.6578% | 2,283 |
| Net interest margin | 6.0339% | 44 |
| Noninterest income to average assets | 0.1565% | 4,506 |
| Noninterest expense to average assets | 3.1097% | 1,221 |
| Loan and lease loss provision to assets | 0.1420% | 2,601 |
| Net operating income to assets | 1.9378% | 338 |
| Return on assets (ROA) | 1.9378% | 372 |
| Pretax return on assets | 2.7343% | 148 |
| Return on Equity (ROE) | 15.9272% | 555 |
| Retained earnings to average equity (ytd only) | 14.6407% | 216 |
| Net charge-offs to loans | -0.0153% | 4,338 |
| Credit loss provision to net charge-offs | -1,108.6957% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9494% | 4,351 |
| Assets per employee ($millions) | 9.4779% | 606 |
| Cash dividends to net income (ytd only)* | 8.0770% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 4,740 |
| Loan loss allowance to noncurrent loans | 120.3483% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 2,522 |
| Noncurrent loans to loans | 0.4906% | 2,593 |
| Net loans and leases to total assets | 83.3017% | 335 |
| Net loans and leases to deposits | 96.7462% | 706 |
| Net loans and leases to core deposits | 102.9186% | 987 |
| Total domestic deposits to total assets | 86.1034% | 2,018 |
| Equity capital to assets | 11.6191% | 1,924 |
| Core capital (leverage) ratio | 11.4125% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,370,500 | 2,627 |
| Average earning assets | $231,264,250 | 2,570 |
| Average equity | $29,123,500 | 2,521 |
| Average total loans | $200,759,000 | 2,227 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8960% | 65 |
| Cost of funding earning assets | 0.7377% | 2,187 |
| Net interest margin | 6.1583% | 57 |
| Noninterest income to average assets | 0.1673% | 4,454 |
| Noninterest expense to average assets | 3.1547% | 1,236 |
| Loan and lease loss provision to assets | 0.1734% | 2,275 |
| Net operating income to assets | 1.9679% | 353 |
| Return on assets (ROA) | 1.9679% | 394 |
| Pretax return on assets | 2.7811% | 145 |
| Return on Equity (ROE) | 15.9003% | 584 |
| Retained earnings to average equity (ytd only) | 13.9320% | 282 |
| Net charge-offs to loans | -0.0227% | 4,449 |
| Credit loss provision to net charge-offs | -909.0909% | 3,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6390% | 4,385 |
| Assets per employee ($millions) | 9.2677% | 632 |
| Cash dividends to net income (ytd only)* | 12.3789% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5692% | 4,774 |
| Loan loss allowance to noncurrent loans | 51.2434% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 0.9453% | 1,291 |
| Noncurrent loans to loans | 1.1108% | 1,415 |
| Net loans and leases to total assets | 84.6194% | 213 |
| Net loans and leases to deposits | 97.9979% | 656 |
| Net loans and leases to core deposits | 104.4787% | 972 |
| Total domestic deposits to total assets | 86.3482% | 1,869 |
| Equity capital to assets | 11.4167% | 2,025 |
| Core capital (leverage) ratio | 12.0383% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,700,333 | 2,679 |
| Average earning assets | $222,593,333 | 2,606 |
| Average equity | $28,553,000 | 2,544 |
| Average total loans | $193,552,000 | 2,271 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4692% | 87 |
| Cost of funding earning assets | 0.9008% | 1,861 |
| Net interest margin | 5.5684% | 79 |
| Noninterest income to average assets | 0.1738% | 4,502 |
| Noninterest expense to average assets | 2.7720% | 2,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9454% | 299 |
| Return on assets (ROA) | 1.9454% | 330 |
| Pretax return on assets | 2.7628% | 115 |
| Return on Equity (ROE) | 15.0197% | 543 |
| Retained earnings to average equity (ytd only) | 11.0078% | 566 |
| Net charge-offs to loans | -0.0467% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0835% | 4,661 |
| Assets per employee ($millions) | 7.5363% | 881 |
| Cash dividends to net income (ytd only)* | 26.7110% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5899% | 4,770 |
| Loan loss allowance to noncurrent loans | 26.9045% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.8600% | 472 |
| Noncurrent loans to loans | 2.1924% | 612 |
| Net loans and leases to total assets | 84.3392% | 245 |
| Net loans and leases to deposits | 97.8508% | 732 |
| Net loans and leases to core deposits | 103.5149% | 1,216 |
| Total domestic deposits to total assets | 86.1916% | 1,926 |
| Equity capital to assets | 13.4601% | 1,236 |
| Core capital (leverage) ratio | 12.8181% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,302,500 | 2,737 |
| Average earning assets | $208,248,000 | 2,678 |
| Average equity | $28,016,500 | 2,573 |
| Average total loans | $179,907,500 | 2,361 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6174% | 94 |
| Cost of funding earning assets | 1.0446% | 1,534 |
| Net interest margin | 5.5728% | 105 |
| Noninterest income to average assets | 0.6065% | 2,186 |
| Noninterest expense to average assets | 3.1967% | 1,527 |
| Loan and lease loss provision to assets | 0.1529% | 1,379 |
| Net operating income to assets | 1.8810% | 447 |
| Return on assets (ROA) | 1.8810% | 467 |
| Pretax return on assets | 2.6197% | 171 |
| Return on Equity (ROE) | 15.4322% | 617 |
| Retained earnings to average equity (ytd only) | 13.0885% | 164 |
| Net charge-offs to loans | 0.1764% | 1,149 |
| Credit loss provision to net charge-offs | 103.1646% | 2,408 |
| Earnings coverage of net charge-offs (x) | 18.7057% | 2,043 |
| Efficiency ratio | 53.5518% | 4,466 |
| Assets per employee ($millions) | 8.2070% | 661 |
| Cash dividends to net income (ytd only)* | 15.1870% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5725% | 4,791 |
| Loan loss allowance to noncurrent loans | 522.7273% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 4,189 |
| Noncurrent loans to loans | 0.1095% | 4,090 |
| Net loans and leases to total assets | 81.1208% | 661 |
| Net loans and leases to deposits | 93.0409% | 1,251 |
| Net loans and leases to core deposits | 101.3858% | 1,454 |
| Total domestic deposits to total assets | 87.1884% | 1,525 |
| Equity capital to assets | 12.4691% | 1,835 |
| Core capital (leverage) ratio | 11.9724% | 1,801 |
| Tier 1 risk-based capital ratio | 15.0779% | 2,754 |
| Total risk-based capital ratio | 15.6682% | 2,971 |
| Memoranda: | ||
| Average total assets | $213,188,800 | 2,726 |
| Average earning assets | $205,157,200 | 2,657 |
| Average equity | $25,984,600 | 2,634 |
| Average total loans | $179,142,600 | 2,325 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6160% | 98 |
| Cost of funding earning assets | 1.0416% | 1,580 |
| Net interest margin | 5.5744% | 110 |
| Noninterest income to average assets | 0.1863% | 4,606 |
| Noninterest expense to average assets | 2.9017% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8734% | 532 |
| Return on assets (ROA) | 1.8734% | 551 |
| Pretax return on assets | 2.6459% | 186 |
| Return on Equity (ROE) | 15.4637% | 690 |
| Retained earnings to average equity (ytd only) | 14.2437% | 196 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3056% | 4,573 |
| Assets per employee ($millions) | 8.6041% | 557 |
| Cash dividends to net income (ytd only)* | 7.8894% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5476% | 4,903 |
| Loan loss allowance to noncurrent loans | 820.0000% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 4,426 |
| Noncurrent loans to loans | 0.0668% | 4,338 |
| Net loans and leases to total assets | 83.2169% | 425 |
| Net loans and leases to deposits | 95.1530% | 1,107 |
| Net loans and leases to core deposits | 103.2701% | 1,390 |
| Total domestic deposits to total assets | 87.4559% | 1,283 |
| Equity capital to assets | 12.0528% | 2,218 |
| Core capital (leverage) ratio | 11.8933% | 1,923 |
| Tier 1 risk-based capital ratio | 14.1613% | 3,246 |
| Total risk-based capital ratio | 14.7248% | 3,495 |
| Memoranda: | ||
| Average total assets | $211,089,000 | 2,763 |
| Average earning assets | $203,016,750 | 2,700 |
| Average equity | $25,573,250 | 2,677 |
| Average total loans | $178,731,000 | 2,356 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6189% | 101 |
| Cost of funding earning assets | 1.0002% | 1,694 |
| Net interest margin | 5.6187% | 104 |
| Noninterest income to average assets | 0.1798% | 4,673 |
| Noninterest expense to average assets | 2.9070% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9006% | 481 |
| Return on assets (ROA) | 1.9006% | 502 |
| Pretax return on assets | 2.6817% | 191 |
| Return on Equity (ROE) | 15.6591% | 651 |
| Retained earnings to average equity (ytd only) | 14.5360% | 196 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0152% | 4,653 |
| Assets per employee ($millions) | 8.3180% | 597 |
| Cash dividends to net income (ytd only)* | 7.1719% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5628% | 4,935 |
| Loan loss allowance to noncurrent loans | 820.0000% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 4,466 |
| Noncurrent loans to loans | 0.0686% | 4,374 |
| Net loans and leases to total assets | 83.7429% | 381 |
| Net loans and leases to deposits | 95.6175% | 1,082 |
| Net loans and leases to core deposits | 104.0683% | 1,385 |
| Total domestic deposits to total assets | 87.5812% | 1,297 |
| Equity capital to assets | 12.0470% | 2,151 |
| Core capital (leverage) ratio | 12.0049% | 1,828 |
| Tier 1 risk-based capital ratio | 13.8921% | 3,377 |
| Total risk-based capital ratio | 14.4653% | 3,634 |
| Memoranda: | ||
| Average total assets | $206,883,000 | 2,813 |
| Average earning assets | $199,157,000 | 2,748 |
| Average equity | $25,110,000 | 2,711 |
| Average total loans | $175,912,330 | 2,392 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5564% | 112 |
| Cost of funding earning assets | 0.8999% | 2,004 |
| Net interest margin | 5.6564% | 93 |
| Noninterest income to average assets | 0.1840% | 4,649 |
| Noninterest expense to average assets | 2.9180% | 2,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9269% | 437 |
| Return on assets (ROA) | 1.9269% | 451 |
| Pretax return on assets | 2.7123% | 179 |
| Return on Equity (ROE) | 15.8130% | 612 |
| Retained earnings to average equity (ytd only) | 13.5238% | 401 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8271% | 4,708 |
| Assets per employee ($millions) | 7.8418% | 708 |
| Cash dividends to net income (ytd only)* | 14.4764% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5864% | 4,958 |
| Loan loss allowance to noncurrent loans | 820.0000% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 4,516 |
| Noncurrent loans to loans | 0.0715% | 4,438 |
| Net loans and leases to total assets | 85.2359% | 257 |
| Net loans and leases to deposits | 97.6381% | 823 |
| Net loans and leases to core deposits | 105.5744% | 1,203 |
| Total domestic deposits to total assets | 87.2979% | 1,664 |
| Equity capital to assets | 12.2892% | 1,851 |
| Core capital (leverage) ratio | 12.0773% | 1,730 |
| Tier 1 risk-based capital ratio | 14.2387% | 3,224 |
| Total risk-based capital ratio | 14.8511% | 3,464 |
| Memoranda: | ||
| Average total assets | $202,190,000 | 2,880 |
| Average earning assets | $194,680,500 | 2,808 |
| Average equity | $24,638,000 | 2,749 |
| Average total loans | $172,801,000 | 2,449 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3645% | 107 |
| Cost of funding earning assets | 0.7089% | 2,037 |
| Net interest margin | 5.6556% | 95 |
| Noninterest income to average assets | 0.2488% | 4,431 |
| Noninterest expense to average assets | 3.0542% | 1,909 |
| Loan and lease loss provision to assets | 0.1030% | 2,134 |
| Net operating income to assets | 1.7965% | 552 |
| Return on assets (ROA) | 1.7965% | 549 |
| Pretax return on assets | 2.5023% | 207 |
| Return on Equity (ROE) | 14.5531% | 928 |
| Retained earnings to average equity (ytd only) | 12.6999% | 262 |
| Net charge-offs to loans | 0.1072% | 1,674 |
| Credit loss provision to net charge-offs | 113.7725% | 2,279 |
| Earnings coverage of net charge-offs (x) | 28.7784% | 1,641 |
| Efficiency ratio | 53.9655% | 4,622 |
| Assets per employee ($millions) | 8.0197% | 656 |
| Cash dividends to net income (ytd only)* | 12.7339% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6001% | 4,971 |
| Loan loss allowance to noncurrent loans | 820.0000% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 4,526 |
| Noncurrent loans to loans | 0.0732% | 4,422 |
| Net loans and leases to total assets | 84.6748% | 350 |
| Net loans and leases to deposits | 96.5188% | 1,023 |
| Net loans and leases to core deposits | 101.9505% | 1,583 |
| Total domestic deposits to total assets | 87.7287% | 1,433 |
| Equity capital to assets | 12.0802% | 1,836 |
| Core capital (leverage) ratio | 11.8777% | 1,815 |
| Tier 1 risk-based capital ratio | 14.1398% | 3,222 |
| Total risk-based capital ratio | 14.7705% | 3,444 |
| Memoranda: | ||
| Average total assets | $184,467,400 | 3,012 |
| Average earning assets | $176,479,600 | 2,964 |
| Average equity | $22,771,800 | 2,840 |
| Average total loans | $155,819,800 | 2,570 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3140% | 104 |
| Cost of funding earning assets | 0.6809% | 1,971 |
| Net interest margin | 5.6330% | 97 |
| Noninterest income to average assets | 0.2313% | 4,584 |
| Noninterest expense to average assets | 3.0359% | 1,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8345% | 571 |
| Return on assets (ROA) | 1.8345% | 570 |
| Pretax return on assets | 2.5741% | 202 |
| Return on Equity (ROE) | 14.7729% | 926 |
| Retained earnings to average equity (ytd only) | 13.1011% | 347 |
| Net charge-offs to loans | 0.1096% | 1,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 27.8724% | 1,692 |
| Efficiency ratio | 54.1156% | 4,605 |
| Assets per employee ($millions) | 7.9158% | 668 |
| Cash dividends to net income (ytd only)* | 11.3171% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5393% | 5,141 |
| Loan loss allowance to noncurrent loans | 525.1497% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 4,535 |
| Noncurrent loans to loans | 0.1027% | 4,424 |
| Net loans and leases to total assets | 85.1290% | 350 |
| Net loans and leases to deposits | 97.8604% | 959 |
| Net loans and leases to core deposits | 101.5089% | 1,649 |
| Total domestic deposits to total assets | 86.9902% | 1,739 |
| Equity capital to assets | 12.3860% | 1,652 |
| Core capital (leverage) ratio | 12.1013% | 1,723 |
| Tier 1 risk-based capital ratio | 14.3823% | 3,182 |
| Total risk-based capital ratio | 14.9489% | 3,434 |
| Memoranda: | ||
| Average total assets | $180,461,000 | 3,068 |
| Average earning assets | $172,312,250 | 3,027 |
| Average equity | $22,409,750 | 2,886 |
| Average total loans | $152,076,750 | 2,634 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1927% | 114 |
| Cost of funding earning assets | 0.6685% | 1,820 |
| Net interest margin | 5.5242% | 105 |
| Noninterest income to average assets | 0.2166% | 4,725 |
| Noninterest expense to average assets | 2.9816% | 2,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7835% | 601 |
| Return on assets (ROA) | 1.7835% | 605 |
| Pretax return on assets | 2.5021% | 226 |
| Return on Equity (ROE) | 14.3492% | 997 |
| Retained earnings to average equity (ytd only) | 12.6520% | 431 |
| Net charge-offs to loans | 0.1683% | 925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 17.7440% | 1,938 |
| Efficiency ratio | 54.3715% | 4,654 |
| Assets per employee ($millions) | 7.9063% | 647 |
| Cash dividends to net income (ytd only)* | 11.8280% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5717% | 5,158 |
| Loan loss allowance to noncurrent loans | 525.1497% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 4,555 |
| Noncurrent loans to loans | 0.1089% | 4,421 |
| Net loans and leases to total assets | 83.8834% | 470 |
| Net loans and leases to deposits | 96.9560% | 1,045 |
| Net loans and leases to core deposits | 100.9136% | 1,657 |
| Total domestic deposits to total assets | 86.5170% | 2,046 |
| Equity capital to assets | 12.4970% | 1,534 |
| Core capital (leverage) ratio | 12.0966% | 1,655 |
| Tier 1 risk-based capital ratio | 14.3744% | 3,168 |
| Total risk-based capital ratio | 14.9624% | 3,409 |
| Memoranda: | ||
| Average total assets | $177,288,000 | 3,124 |
| Average earning assets | $169,037,330 | 3,072 |
| Average equity | $22,036,000 | 2,922 |
| Average total loans | $148,567,330 | 2,681 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9629% | 144 |
| Cost of funding earning assets | 0.6583% | 1,671 |
| Net interest margin | 5.3046% | 137 |
| Noninterest income to average assets | 0.2057% | 4,796 |
| Noninterest expense to average assets | 2.8524% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7233% | 656 |
| Return on assets (ROA) | 1.7233% | 665 |
| Pretax return on assets | 2.4181% | 257 |
| Return on Equity (ROE) | 13.9041% | 1,037 |
| Retained earnings to average equity (ytd only) | 13.0374% | 516 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1197% | 4,786 |
| Assets per employee ($millions) | 7.7272% | 700 |
| Cash dividends to net income (ytd only)* | 6.2334% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 5,067 |
| Loan loss allowance to noncurrent loans | 343.1507% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 4,267 |
| Noncurrent loans to loans | 0.1976% | 4,080 |
| Net loans and leases to total assets | 82.5905% | 588 |
| Net loans and leases to deposits | 94.9161% | 1,142 |
| Net loans and leases to core deposits | 99.8673% | 1,697 |
| Total domestic deposits to total assets | 87.0142% | 2,114 |
| Equity capital to assets | 12.4029% | 1,548 |
| Core capital (leverage) ratio | 11.8404% | 1,755 |
| Tier 1 risk-based capital ratio | 14.7608% | 3,005 |
| Total risk-based capital ratio | 15.4741% | 3,186 |
| Memoranda: | ||
| Average total assets | $175,010,000 | 3,190 |
| Average earning assets | $167,099,500 | 3,130 |
| Average equity | $21,691,500 | 2,978 |
| Average total loans | $146,144,000 | 2,734 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3456% | 88 |
| Cost of funding earning assets | 0.5245% | 2,146 |
| Net interest margin | 5.8211% | 80 |
| Noninterest income to average assets | 0.4857% | 3,093 |
| Noninterest expense to average assets | 3.1553% | 1,711 |
| Loan and lease loss provision to assets | 0.0909% | 2,375 |
| Net operating income to assets | 1.5430% | 734 |
| Return on assets (ROA) | 1.5434% | 748 |
| Pretax return on assets | 2.7579% | 124 |
| Return on Equity (ROE) | 11.8599% | 1,249 |
| Retained earnings to average equity (ytd only) | 10.2471% | 321 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5581% | 5,068 |
| Assets per employee ($millions) | 7.4911% | 773 |
| Cash dividends to net income (ytd only)* | 13.5987% | 3,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6934% | 5,084 |
| Loan loss allowance to noncurrent loans | 343.1507% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 4,289 |
| Noncurrent loans to loans | 0.2021% | 4,104 |
| Net loans and leases to total assets | 83.2874% | 517 |
| Net loans and leases to deposits | 95.3850% | 1,137 |
| Net loans and leases to core deposits | 100.3104% | 1,691 |
| Total domestic deposits to total assets | 87.3171% | 1,854 |
| Equity capital to assets | 12.3857% | 1,580 |
| Core capital (leverage) ratio | 11.9274% | 1,645 |
| Tier 1 risk-based capital ratio | 14.3811% | 3,150 |
| Total risk-based capital ratio | 15.0975% | 3,355 |
| Memoranda: | ||
| Average total assets | $156,278,200 | 3,396 |
| Average earning assets | $148,133,800 | 3,347 |
| Average equity | $20,337,400 | 3,106 |
| Average total loans | $131,665,200 | 2,889 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3376% | 83 |
| Cost of funding earning assets | 0.4896% | 2,357 |
| Net interest margin | 5.8480% | 77 |
| Noninterest income to average assets | 0.2636% | 4,622 |
| Noninterest expense to average assets | 3.1425% | 1,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5988% | 721 |
| Return on assets (ROA) | 1.5988% | 739 |
| Pretax return on assets | 2.6539% | 165 |
| Return on Equity (ROE) | 12.1205% | 1,307 |
| Retained earnings to average equity (ytd only) | 11.1845% | 389 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2145% | 4,922 |
| Assets per employee ($millions) | 7.9082% | 654 |
| Cash dividends to net income (ytd only)* | 7.7220% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6149% | 5,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 83.6920% | 466 |
| Net loans and leases to deposits | 96.6651% | 1,049 |
| Net loans and leases to core deposits | 101.8839% | 1,554 |
| Total domestic deposits to total assets | 86.5793% | 2,058 |
| Equity capital to assets | 12.6132% | 1,600 |
| Core capital (leverage) ratio | 12.2604% | 1,535 |
| Tier 1 risk-based capital ratio | 14.6183% | 3,119 |
| Total risk-based capital ratio | 15.2604% | 3,352 |
| Memoranda: | ||
| Average total assets | $152,274,000 | 3,471 |
| Average earning assets | $144,068,750 | 3,426 |
| Average equity | $20,086,750 | 3,156 |
| Average total loans | $128,456,000 | 2,959 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4394% | 78 |
| Cost of funding earning assets | 0.4547% | 2,559 |
| Net interest margin | 5.9847% | 74 |
| Noninterest income to average assets | 0.2627% | 4,655 |
| Noninterest expense to average assets | 3.2165% | 1,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6401% | 637 |
| Return on assets (ROA) | 1.6401% | 660 |
| Pretax return on assets | 2.6965% | 155 |
| Return on Equity (ROE) | 12.2323% | 1,227 |
| Retained earnings to average equity (ytd only) | 10.8182% | 466 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3976% | 4,987 |
| Assets per employee ($millions) | 7.0390% | 913 |
| Cash dividends to net income (ytd only)* | 11.5607% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6498% | 5,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 84.9029% | 353 |
| Net loans and leases to deposits | 98.4434% | 853 |
| Net loans and leases to core deposits | 101.4459% | 1,555 |
| Total domestic deposits to total assets | 86.2455% | 2,272 |
| Equity capital to assets | 13.1320% | 1,312 |
| Core capital (leverage) ratio | 12.7339% | 1,281 |
| Tier 1 risk-based capital ratio | 14.5986% | 3,116 |
| Total risk-based capital ratio | 15.2612% | 3,337 |
| Memoranda: | ||
| Average total assets | $147,674,670 | 3,553 |
| Average earning assets | $139,423,000 | 3,507 |
| Average equity | $19,800,000 | 3,178 |
| Average total loans | $124,658,330 | 3,029 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5713% | 78 |
| Cost of funding earning assets | 0.4334% | 2,678 |
| Net interest margin | 6.1380% | 67 |
| Noninterest income to average assets | 0.2415% | 4,805 |
| Noninterest expense to average assets | 3.2481% | 1,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6879% | 569 |
| Return on assets (ROA) | 1.6879% | 581 |
| Pretax return on assets | 2.7734% | 157 |
| Return on Equity (ROE) | 12.4514% | 1,123 |
| Retained earnings to average equity (ytd only) | 10.5263% | 699 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9419% | 5,129 |
| Assets per employee ($millions) | 6.6225% | 1,121 |
| Cash dividends to net income (ytd only)* | 15.4605% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6988% | 5,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 83.8765% | 379 |
| Net loans and leases to deposits | 97.8775% | 780 |
| Net loans and leases to core deposits | 99.4563% | 1,550 |
| Total domestic deposits to total assets | 85.6954% | 2,797 |
| Equity capital to assets | 13.5812% | 1,040 |
| Core capital (leverage) ratio | 12.9752% | 1,153 |
| Tier 1 risk-based capital ratio | 15.2122% | 2,863 |
| Total risk-based capital ratio | 15.9241% | 3,055 |
| Memoranda: | ||
| Average total assets | $144,083,000 | 3,631 |
| Average earning assets | $135,680,000 | 3,593 |
| Average equity | $19,532,000 | 3,223 |
| Average total loans | $120,818,000 | 3,094 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0710% | 116 |
| Cost of funding earning assets | 0.3513% | 3,503 |
| Net interest margin | 5.7197% | 81 |
| Noninterest income to average assets | 0.3408% | 4,303 |
| Noninterest expense to average assets | 3.3326% | 1,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4783% | 872 |
| Return on assets (ROA) | 1.4783% | 894 |
| Pretax return on assets | 2.4132% | 228 |
| Return on Equity (ROE) | 10.8955% | 1,617 |
| Retained earnings to average equity (ytd only) | 9.3745% | 515 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0010% | 4,851 |
| Assets per employee ($millions) | 7.1236% | 867 |
| Cash dividends to net income (ytd only)* | 13.9593% | 3,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7253% | 5,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 82.6218% | 526 |
| Net loans and leases to deposits | 95.9826% | 996 |
| Net loans and leases to core deposits | 97.3535% | 1,810 |
| Total domestic deposits to total assets | 86.0801% | 2,544 |
| Equity capital to assets | 13.5304% | 1,033 |
| Core capital (leverage) ratio | 12.7539% | 1,229 |
| Tier 1 risk-based capital ratio | 15.3348% | 2,829 |
| Total risk-based capital ratio | 16.0776% | 2,983 |
| Memoranda: | ||
| Average total assets | $136,169,200 | 3,729 |
| Average earning assets | $128,677,600 | 3,675 |
| Average equity | $18,475,600 | 3,340 |
| Average total loans | $110,936,200 | 3,204 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0286% | 119 |
| Cost of funding earning assets | 0.3237% | 3,830 |
| Net interest margin | 5.7049% | 83 |
| Noninterest income to average assets | 0.3685% | 4,140 |
| Noninterest expense to average assets | 3.1937% | 1,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5731% | 767 |
| Return on assets (ROA) | 1.5731% | 802 |
| Pretax return on assets | 2.5696% | 197 |
| Return on Equity (ROE) | 11.5855% | 1,464 |
| Retained earnings to average equity (ytd only) | 10.2212% | 532 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4142% | 5,115 |
| Assets per employee ($millions) | 7.2572% | 801 |
| Cash dividends to net income (ytd only)* | 11.7760% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 5,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 80.9814% | 762 |
| Net loans and leases to deposits | 94.7340% | 1,175 |
| Net loans and leases to core deposits | 96.5642% | 1,934 |
| Total domestic deposits to total assets | 85.4829% | 2,611 |
| Equity capital to assets | 13.7585% | 1,138 |
| Core capital (leverage) ratio | 12.9033% | 1,226 |
| Tier 1 risk-based capital ratio | 15.9060% | 2,669 |
| Total risk-based capital ratio | 16.6915% | 2,787 |
| Memoranda: | ||
| Average total assets | $134,593,500 | 3,784 |
| Average earning assets | $127,279,750 | 3,713 |
| Average equity | $18,275,250 | 3,396 |
| Average total loans | $109,027,000 | 3,236 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0513% | 119 |
| Cost of funding earning assets | 0.2946% | 4,195 |
| Net interest margin | 5.7567% | 87 |
| Noninterest income to average assets | 0.2067% | 5,258 |
| Noninterest expense to average assets | 3.1297% | 1,980 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5446% | 816 |
| Return on assets (ROA) | 1.5446% | 861 |
| Pretax return on assets | 2.5229% | 211 |
| Return on Equity (ROE) | 11.4280% | 1,501 |
| Retained earnings to average equity (ytd only) | 10.3861% | 531 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3671% | 5,209 |
| Assets per employee ($millions) | 6.4724% | 1,102 |
| Cash dividends to net income (ytd only)* | 9.1174% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 5,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 4,845 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 83.0283% | 514 |
| Net loans and leases to deposits | 96.6869% | 1,005 |
| Net loans and leases to core deposits | 98.7885% | 1,745 |
| Total domestic deposits to total assets | 85.8733% | 2,476 |
| Equity capital to assets | 13.6205% | 1,173 |
| Core capital (leverage) ratio | 12.8477% | 1,216 |
| Tier 1 risk-based capital ratio | 15.5613% | 2,834 |
| Total risk-based capital ratio | 16.3506% | 2,965 |
| Memoranda: | ||
| Average total assets | $133,496,000 | 3,820 |
| Average earning assets | $126,286,670 | 3,755 |
| Average equity | $18,043,330 | 3,435 |
| Average total loans | $107,862,000 | 3,272 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0118% | 119 |
| Cost of funding earning assets | 0.2744% | 4,448 |
| Net interest margin | 5.7374% | 86 |
| Noninterest income to average assets | 0.1996% | 5,310 |
| Noninterest expense to average assets | 3.1417% | 1,981 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5270% | 815 |
| Return on assets (ROA) | 1.5270% | 859 |
| Pretax return on assets | 2.4946% | 240 |
| Return on Equity (ROE) | 11.3429% | 1,489 |
| Retained earnings to average equity (ytd only) | 10.2872% | 788 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7403% | 5,216 |
| Assets per employee ($millions) | 6.4148% | 1,150 |
| Cash dividends to net income (ytd only)* | 9.3069% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 5,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 4,901 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 78.6729% | 999 |
| Net loans and leases to deposits | 91.3511% | 1,423 |
| Net loans and leases to core deposits | 99.8982% | 1,492 |
| Total domestic deposits to total assets | 86.1214% | 2,620 |
| Equity capital to assets | 13.3887% | 1,225 |
| Core capital (leverage) ratio | 12.8904% | 1,202 |
| Tier 1 risk-based capital ratio | 16.1448% | 2,609 |
| Total risk-based capital ratio | 16.9881% | 2,746 |
| Memoranda: | ||
| Average total assets | $132,284,000 | 3,875 |
| Average earning assets | $125,354,000 | 3,797 |
| Average equity | $17,808,500 | 3,463 |
| Average total loans | $104,937,000 | 3,336 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4839% | 272 |
| Cost of funding earning assets | 0.3665% | 3,519 |
| Net interest margin | 5.1174% | 206 |
| Noninterest income to average assets | 1.0864% | 996 |
| Noninterest expense to average assets | 3.3307% | 1,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.8589% | 440 |
| Return on assets (ROA) | 1.8583% | 449 |
| Pretax return on assets | 2.6499% | 161 |
| Return on Equity (ROE) | 15.8378% | 572 |
| Retained earnings to average equity (ytd only) | 15.6130% | 123 |
| Net charge-offs to loans | 0.0103% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 351.6000% | 196 |
| Efficiency ratio | 55.6844% | 5,375 |
| Assets per employee ($millions) | 5.9026% | 1,459 |
| Cash dividends to net income (ytd only)* | 1.4199% | 4,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 5,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 4,910 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 78.6812% | 1,037 |
| Net loans and leases to deposits | 91.3915% | 1,462 |
| Net loans and leases to core deposits | 93.6705% | 2,074 |
| Total domestic deposits to total assets | 86.0924% | 2,595 |
| Equity capital to assets | 13.5387% | 1,114 |
| Core capital (leverage) ratio | 11.8908% | 1,690 |
| Tier 1 risk-based capital ratio | 16.1447% | 2,623 |
| Total risk-based capital ratio | 17.0069% | 2,742 |
| Memoranda: | ||
| Average total assets | $132,644,800 | 3,838 |
| Average earning assets | $126,881,200 | 3,761 |
| Average equity | $15,564,000 | 3,752 |
| Average total loans | $96,899,400 | 3,438 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3603% | 341 |
| Cost of funding earning assets | 0.3818% | 3,410 |
| Net interest margin | 4.9786% | 271 |
| Noninterest income to average assets | 0.5010% | 3,354 |
| Noninterest expense to average assets | 3.1777% | 2,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3155% | 1,295 |
| Return on assets (ROA) | 1.3149% | 1,354 |
| Pretax return on assets | 2.0948% | 504 |
| Return on Equity (ROE) | 11.6422% | 1,482 |
| Retained earnings to average equity (ytd only) | 11.6422% | 400 |
| Net charge-offs to loans | 0.0140% | 3,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 209.6474% | 349 |
| Efficiency ratio | 60.2579% | 4,855 |
| Assets per employee ($millions) | 6.2200% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8510% | 5,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 4,694 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 73.2235% | 1,866 |
| Net loans and leases to deposits | 83.8044% | 2,429 |
| Net loans and leases to core deposits | 86.0055% | 2,851 |
| Total domestic deposits to total assets | 87.3743% | 1,860 |
| Equity capital to assets | 12.0440% | 2,070 |
| Core capital (leverage) ratio | 10.3249% | 3,227 |
| Tier 1 risk-based capital ratio | 14.9397% | 3,321 |
| Total risk-based capital ratio | 15.8152% | 3,444 |
| Memoranda: | ||
| Average total assets | $133,341,750 | 3,875 |
| Average earning assets | $127,825,000 | 3,781 |
| Average equity | $15,059,750 | 3,867 |
| Average total loans | $95,366,000 | 3,503 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3696% | 324 |
| Cost of funding earning assets | 0.3907% | 3,364 |
| Net interest margin | 4.9789% | 256 |
| Noninterest income to average assets | 0.6140% | 2,660 |
| Noninterest expense to average assets | 3.2654% | 1,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3562% | 1,178 |
| Return on assets (ROA) | 1.3553% | 1,225 |
| Pretax return on assets | 2.1375% | 462 |
| Return on Equity (ROE) | 12.4579% | 1,242 |
| Retained earnings to average equity (ytd only) | 12.4579% | 354 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4208% | 4,927 |
| Assets per employee ($millions) | 6.6321% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8562% | 5,448 |
| Loan loss allowance to noncurrent loans | 104.5673% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9643% | 2,598 |
| Noncurrent loans to loans | 0.8188% | 3,076 |
| Net loans and leases to total assets | 69.0472% | 2,476 |
| Net loans and leases to deposits | 77.9294% | 3,038 |
| Net loans and leases to core deposits | 79.9873% | 3,387 |
| Total domestic deposits to total assets | 88.6023% | 1,358 |
| Equity capital to assets | 11.0057% | 2,873 |
| Core capital (leverage) ratio | 9.6627% | 4,052 |
| Tier 1 risk-based capital ratio | 15.2790% | 3,210 |
| Total risk-based capital ratio | 16.2119% | 3,316 |
| Memoranda: | ||
| Average total assets | $131,929,000 | 3,927 |
| Average earning assets | $126,935,670 | 3,822 |
| Average equity | $14,352,330 | 3,988 |
| Average total loans | $93,745,670 | 3,558 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1761% | 422 |
| Cost of funding earning assets | 0.4344% | 2,933 |
| Net interest margin | 4.7418% | 388 |
| Noninterest income to average assets | 0.2817% | 4,925 |
| Noninterest expense to average assets | 2.9646% | 2,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1878% | 1,586 |
| Return on assets (ROA) | 1.1878% | 1,683 |
| Pretax return on assets | 1.8953% | 724 |
| Return on Equity (ROE) | 10.9930% | 1,637 |
| Retained earnings to average equity (ytd only) | 10.9930% | 721 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0013% | 4,968 |
| Assets per employee ($millions) | 6.5123% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 3,664 |
| Loan loss allowance to noncurrent loans | 59.7600% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 2.6699% | 762 |
| Noncurrent loans to loans | 2.0982% | 1,229 |
| Net loans and leases to total assets | 68.0896% | 2,424 |
| Net loans and leases to deposits | 75.9169% | 3,066 |
| Net loans and leases to core deposits | 78.2972% | 3,347 |
| Total domestic deposits to total assets | 89.6897% | 908 |
| Equity capital to assets | 9.9151% | 4,246 |
| Core capital (leverage) ratio | 10.5570% | 2,898 |
| Tier 1 risk-based capital ratio | 14.0917% | 3,948 |
| Total risk-based capital ratio | 15.3426% | 3,873 |
| Memoranda: | ||
| Average total assets | $124,940,500 | 4,086 |
| Average earning assets | $120,630,500 | 3,960 |
| Average equity | $13,499,500 | 4,147 |
| Average total loans | $89,811,500 | 3,650 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8088% | 192 |
| Cost of funding earning assets | 0.3877% | 3,820 |
| Net interest margin | 5.4211% | 154 |
| Noninterest income to average assets | 0.1616% | 5,892 |
| Noninterest expense to average assets | 2.9480% | 3,009 |
| Loan and lease loss provision to assets | 0.2340% | 1,032 |
| Net operating income to assets | 1.3700% | 1,141 |
| Return on assets (ROA) | 1.3700% | 1,184 |
| Pretax return on assets | 2.2110% | 307 |
| Return on Equity (ROE) | 10.5283% | 1,893 |
| Retained earnings to average equity (ytd only) | 10.5283% | 439 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6636% | 5,791 |
| Assets per employee ($millions) | 7.1499% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 4,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 75.3974% | 1,353 |
| Net loans and leases to deposits | 86.1208% | 1,964 |
| Net loans and leases to core deposits | 88.8994% | 2,394 |
| Total domestic deposits to total assets | 87.5483% | 2,007 |
| Equity capital to assets | 12.1360% | 1,918 |
| Core capital (leverage) ratio | 11.9400% | 1,665 |
| Tier 1 risk-based capital ratio | 15.8060% | 3,055 |
| Total risk-based capital ratio | 17.0453% | 3,008 |
| Memoranda: | ||
| Average total assets | $88,467,400 | 4,882 |
| Average earning assets | $85,369,800 | 4,751 |
| Average equity | $11,511,800 | 4,455 |
| Average total loans | $67,005,400 | 4,265 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8770% | 173 |
| Cost of funding earning assets | 0.3900% | 3,900 |
| Net interest margin | 5.4870% | 138 |
| Noninterest income to average assets | 0.1917% | 5,768 |
| Noninterest expense to average assets | 3.0154% | 2,753 |
| Loan and lease loss provision to assets | 0.2618% | 814 |
| Net operating income to assets | 1.3573% | 1,234 |
| Return on assets (ROA) | 1.3573% | 1,279 |
| Pretax return on assets | 2.1988% | 368 |
| Return on Equity (ROE) | 10.2292% | 2,100 |
| Retained earnings to average equity (ytd only) | 10.2292% | 650 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0655% | 5,738 |
| Assets per employee ($millions) | 7.1880% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 4,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 6,084 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 76.7626% | 1,130 |
| Net loans and leases to deposits | 88.4191% | 1,620 |
| Net loans and leases to core deposits | 91.0927% | 2,107 |
| Total domestic deposits to total assets | 86.8167% | 2,411 |
| Equity capital to assets | 12.6439% | 1,613 |
| Core capital (leverage) ratio | 12.4567% | 1,425 |
| Tier 1 risk-based capital ratio | 16.0712% | 3,026 |
| Total risk-based capital ratio | 17.3155% | 2,981 |
| Memoranda: | ||
| Average total assets | $85,559,500 | 4,984 |
| Average earning assets | $82,398,250 | 4,893 |
| Average equity | $11,352,750 | 4,515 |
| Average total loans | $64,671,250 | 4,382 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7412% | 203 |
| Cost of funding earning assets | 0.4015% | 3,852 |
| Net interest margin | 5.3397% | 160 |
| Noninterest income to average assets | 0.1833% | 5,855 |
| Noninterest expense to average assets | 2.9880% | 2,873 |
| Loan and lease loss provision to assets | 0.2460% | 901 |
| Net operating income to assets | 1.2878% | 1,348 |
| Return on assets (ROA) | 1.2878% | 1,400 |
| Pretax return on assets | 2.0812% | 455 |
| Return on Equity (ROE) | 9.5368% | 2,360 |
| Retained earnings to average equity (ytd only) | 9.5368% | 829 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2160% | 5,727 |
| Assets per employee ($millions) | 6.9555% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 4,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 6,075 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 79.4503% | 750 |
| Net loans and leases to deposits | 92.7028% | 1,077 |
| Net loans and leases to core deposits | 95.5354% | 1,643 |
| Total domestic deposits to total assets | 85.7044% | 3,190 |
| Equity capital to assets | 13.7613% | 1,063 |
| Core capital (leverage) ratio | 12.7678% | 1,254 |
| Tier 1 risk-based capital ratio | 16.4320% | 2,861 |
| Total risk-based capital ratio | 17.6423% | 2,838 |
| Memoranda: | ||
| Average total assets | $82,931,330 | 5,080 |
| Average earning assets | $79,705,000 | 4,990 |
| Average equity | $11,198,670 | 4,554 |
| Average total loans | $62,041,000 | 4,482 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3888% | 355 |
| Cost of funding earning assets | 0.4068% | 3,880 |
| Net interest margin | 4.9820% | 282 |
| Noninterest income to average assets | 0.1306% | 6,198 |
| Noninterest expense to average assets | 2.9178% | 3,157 |
| Loan and lease loss provision to assets | 0.1500% | 1,615 |
| Net operating income to assets | 1.1565% | 1,610 |
| Return on assets (ROA) | 1.1565% | 1,683 |
| Pretax return on assets | 1.8630% | 709 |
| Return on Equity (ROE) | 8.6477% | 2,621 |
| Retained earnings to average equity (ytd only) | 8.6477% | 1,362 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1757% | 5,512 |
| Assets per employee ($millions) | 6.8530% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 4,926 |
| Loan loss allowance to noncurrent loans | 1,985.7143% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 6,161 |
| Noncurrent loans to loans | 0.0573% | 5,981 |
| Net loans and leases to total assets | 73.3803% | 1,372 |
| Net loans and leases to deposits | 85.5690% | 1,649 |
| Net loans and leases to core deposits | 88.2108% | 2,070 |
| Total domestic deposits to total assets | 85.7556% | 3,492 |
| Equity capital to assets | 13.5877% | 1,076 |
| Core capital (leverage) ratio | 12.4119% | 1,427 |
| Tier 1 risk-based capital ratio | 17.1625% | 2,612 |
| Total risk-based capital ratio | 18.3439% | 2,595 |
| Memoranda: | ||
| Average total assets | $82,664,000 | 5,141 |
| Average earning assets | $79,646,000 | 5,037 |
| Average equity | $11,055,000 | 4,599 |
| Average total loans | $59,521,500 | 4,608 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3846% | 452 |
| Cost of funding earning assets | 0.4121% | 4,519 |
| Net interest margin | 4.9725% | 323 |
| Noninterest income to average assets | 0.1281% | 6,290 |
| Noninterest expense to average assets | 3.0125% | 3,020 |
| Loan and lease loss provision to assets | 0.2100% | 1,762 |
| Net operating income to assets | 1.0024% | 2,314 |
| Return on assets (ROA) | 1.0024% | 2,383 |
| Pretax return on assets | 1.6707% | 1,016 |
| Return on Equity (ROE) | 7.1740% | 3,470 |
| Retained earnings to average equity (ytd only) | 7.1740% | 1,366 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5655% | 5,280 |
| Assets per employee ($millions) | 6.9243% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 4,941 |
| Loan loss allowance to noncurrent loans | 1,894.2857% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 6,243 |
| Noncurrent loans to loans | 0.0603% | 6,048 |
| Net loans and leases to total assets | 69.0078% | 2,171 |
| Net loans and leases to deposits | 80.2542% | 2,421 |
| Net loans and leases to core deposits | 83.0124% | 2,770 |
| Total domestic deposits to total assets | 85.9866% | 3,262 |
| Equity capital to assets | 13.1613% | 1,207 |
| Core capital (leverage) ratio | 11.9899% | 1,613 |
| Tier 1 risk-based capital ratio | 16.6723% | 2,771 |
| Total risk-based capital ratio | 17.7947% | 2,801 |
| Memoranda: | ||
| Average total assets | $75,717,000 | 5,332 |
| Average earning assets | $72,559,400 | 5,238 |
| Average equity | $10,579,800 | 4,727 |
| Average total loans | $51,584,200 | 4,911 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4093% | 435 |
| Cost of funding earning assets | 0.4038% | 4,793 |
| Net interest margin | 5.0055% | 314 |
| Noninterest income to average assets | 0.1191% | 6,418 |
| Noninterest expense to average assets | 3.0682% | 2,763 |
| Loan and lease loss provision to assets | 0.2112% | 1,725 |
| Net operating income to assets | 1.0396% | 2,226 |
| Return on assets (ROA) | 1.0396% | 2,309 |
| Pretax return on assets | 1.6280% | 1,272 |
| Return on Equity (ROE) | 7.3205% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.3205% | 1,726 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5230% | 5,064 |
| Assets per employee ($millions) | 6.7113% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 5,141 |
| Loan loss allowance to noncurrent loans | 1,321.2766% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 6,275 |
| Noncurrent loans to loans | 0.0866% | 6,073 |
| Net loans and leases to total assets | 66.5963% | 2,543 |
| Net loans and leases to deposits | 77.6022% | 2,727 |
| Net loans and leases to core deposits | 80.6538% | 3,053 |
| Total domestic deposits to total assets | 85.8175% | 3,349 |
| Equity capital to assets | 13.3506% | 1,184 |
| Core capital (leverage) ratio | 12.7467% | 1,305 |
| Tier 1 risk-based capital ratio | 18.8491% | 2,034 |
| Total risk-based capital ratio | 20.0613% | 2,009 |
| Memoranda: | ||
| Average total assets | $73,873,250 | 5,431 |
| Average earning assets | $70,666,500 | 5,347 |
| Average equity | $10,490,750 | 4,794 |
| Average total loans | $49,979,500 | 5,007 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2745% | 551 |
| Cost of funding earning assets | 0.3882% | 5,049 |
| Net interest margin | 4.8863% | 379 |
| Noninterest income to average assets | 0.1117% | 6,488 |
| Noninterest expense to average assets | 3.1457% | 2,526 |
| Loan and lease loss provision to assets | 0.1954% | 1,947 |
| Net operating income to assets | 0.9323% | 2,654 |
| Return on assets (ROA) | 0.9323% | 2,787 |
| Pretax return on assets | 1.4431% | 1,790 |
| Return on Equity (ROE) | 6.4208% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.4208% | 2,191 |
| Net charge-offs to loans | 0.0041% | 4,831 |
| Credit loss provision to net charge-offs | 7,000.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 587.0000% | 67 |
| Efficiency ratio | 65.7526% | 4,593 |
| Assets per employee ($millions) | 6.2553% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 5,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 68.0619% | 2,219 |
| Net loans and leases to deposits | 79.8107% | 2,348 |
| Net loans and leases to core deposits | 83.1963% | 2,667 |
| Total domestic deposits to total assets | 85.2792% | 3,753 |
| Equity capital to assets | 14.0334% | 963 |
| Core capital (leverage) ratio | 13.3763% | 1,029 |
| Tier 1 risk-based capital ratio | 18.1932% | 2,253 |
| Total risk-based capital ratio | 19.3017% | 2,263 |
| Memoranda: | ||
| Average total assets | $71,652,330 | 5,517 |
| Average earning assets | $68,518,330 | 5,435 |
| Average equity | $10,403,670 | 4,849 |
| Average total loans | $48,554,330 | 5,083 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1410% | 689 |
| Cost of funding earning assets | 0.3955% | 5,151 |
| Net interest margin | 4.7455% | 443 |
| Noninterest income to average assets | 0.1201% | 6,501 |
| Noninterest expense to average assets | 3.2253% | 2,279 |
| Loan and lease loss provision to assets | 0.0457% | 3,845 |
| Net operating income to assets | 0.8978% | 2,669 |
| Return on assets (ROA) | 0.8978% | 2,819 |
| Pretax return on assets | 1.3782% | 1,925 |
| Return on Equity (ROE) | 6.0744% | 4,002 |
| Retained earnings to average equity (ytd only) | 6.0744% | 2,639 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3727% | 4,082 |
| Assets per employee ($millions) | 5.8919% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 5,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 65.8162% | 2,403 |
| Net loans and leases to deposits | 77.9203% | 2,346 |
| Net loans and leases to core deposits | 82.1140% | 2,554 |
| Total domestic deposits to total assets | 84.4660% | 4,279 |
| Equity capital to assets | 14.7264% | 817 |
| Core capital (leverage) ratio | 13.2019% | 1,044 |
| Tier 1 risk-based capital ratio | 19.0550% | 2,033 |
| Total risk-based capital ratio | 20.1133% | 2,055 |
| Memoranda: | ||
| Average total assets | $69,946,500 | 5,628 |
| Average earning assets | $66,757,500 | 5,523 |
| Average equity | $10,338,500 | 4,922 |
| Average total loans | $47,000,000 | 5,171 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4907% | 633 |
| Cost of funding earning assets | 0.4384% | 5,663 |
| Net interest margin | 5.0524% | 351 |
| Noninterest income to average assets | 0.1268% | 6,402 |
| Noninterest expense to average assets | 3.4005% | 2,047 |
| Loan and lease loss provision to assets | 0.3162% | 2,164 |
| Net operating income to assets | 0.8230% | 3,168 |
| Return on assets (ROA) | 0.8991% | 3,064 |
| Pretax return on assets | 1.3240% | 2,306 |
| Return on Equity (ROE) | 5.4642% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.4642% | 2,403 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9943% | 3,974 |
| Assets per employee ($millions) | 5.7658% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 5,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 67.1340% | 2,341 |
| Net loans and leases to deposits | 79.6249% | 2,339 |
| Net loans and leases to core deposits | 84.0785% | 2,537 |
| Total domestic deposits to total assets | 84.3128% | 4,177 |
| Equity capital to assets | 14.8360% | 780 |
| Core capital (leverage) ratio | 14.0647% | 781 |
| Tier 1 risk-based capital ratio | 18.9298% | 1,977 |
| Total risk-based capital ratio | 19.9837% | 1,999 |
| Memoranda: | ||
| Average total assets | $60,726,000 | 5,904 |
| Average earning assets | $57,715,400 | 5,820 |
| Average equity | $9,992,400 | 4,985 |
| Average total loans | $39,304,400 | 5,538 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4682% | 730 |
| Cost of funding earning assets | 0.4437% | 5,841 |
| Net interest margin | 5.0245% | 384 |
| Noninterest income to average assets | 0.1206% | 6,534 |
| Noninterest expense to average assets | 3.4373% | 1,907 |
| Loan and lease loss provision to assets | 0.3480% | 1,880 |
| Net operating income to assets | 0.7547% | 3,674 |
| Return on assets (ROA) | 0.8599% | 3,419 |
| Pretax return on assets | 1.2557% | 2,766 |
| Return on Equity (ROE) | 5.0784% | 4,788 |
| Retained earnings to average equity (ytd only) | 5.0784% | 3,314 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3445% | 3,622 |
| Assets per employee ($millions) | 5.4109% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 5,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 67.4193% | 2,383 |
| Net loans and leases to deposits | 80.3185% | 2,343 |
| Net loans and leases to core deposits | 85.5468% | 2,524 |
| Total domestic deposits to total assets | 83.9399% | 4,247 |
| Equity capital to assets | 15.5796% | 689 |
| Core capital (leverage) ratio | 15.9446% | 484 |
| Tier 1 risk-based capital ratio | 20.8817% | 1,554 |
| Total risk-based capital ratio | 21.9124% | 1,574 |
| Memoranda: | ||
| Average total assets | $58,610,000 | 6,026 |
| Average earning assets | $55,593,000 | 5,945 |
| Average equity | $9,924,250 | 5,041 |
| Average total loans | $37,392,000 | 5,685 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3637% | 935 |
| Cost of funding earning assets | 0.4382% | 6,045 |
| Net interest margin | 4.9255% | 444 |
| Noninterest income to average assets | 0.1168% | 6,603 |
| Noninterest expense to average assets | 3.5326% | 1,717 |
| Loan and lease loss provision to assets | 0.2584% | 2,509 |
| Net operating income to assets | 0.6810% | 3,979 |
| Return on assets (ROA) | 0.8495% | 3,419 |
| Pretax return on assets | 1.2212% | 2,832 |
| Return on Equity (ROE) | 4.8680% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.8680% | 3,357 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0356% | 3,070 |
| Assets per employee ($millions) | 4.9108% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 6,131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 64.2797% | 2,975 |
| Net loans and leases to deposits | 77.6962% | 2,722 |
| Net loans and leases to core deposits | 80.7211% | 3,127 |
| Total domestic deposits to total assets | 82.7321% | 4,861 |
| Equity capital to assets | 16.9133% | 454 |
| Core capital (leverage) ratio | 16.3080% | 434 |
| Tier 1 risk-based capital ratio | 23.4239% | 1,082 |
| Total risk-based capital ratio | 24.4003% | 1,096 |
| Memoranda: | ||
| Average total assets | $56,503,000 | 6,126 |
| Average earning assets | $53,396,000 | 6,046 |
| Average equity | $9,860,330 | 5,059 |
| Average total loans | $35,109,000 | 5,828 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 1,520 |
| Cost of funding earning assets | 0.4441% | 6,183 |
| Net interest margin | 4.6784% | 710 |
| Noninterest income to average assets | 0.1013% | 6,742 |
| Noninterest expense to average assets | 3.6029% | 1,550 |
| Loan and lease loss provision to assets | 0.0941% | 4,172 |
| Net operating income to assets | 0.5744% | 4,472 |
| Return on assets (ROA) | 0.9188% | 3,043 |
| Pretax return on assets | 1.3167% | 2,484 |
| Return on Equity (ROE) | 5.1800% | 4,701 |
| Retained earnings to average equity (ytd only) | 5.1800% | 3,454 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6800% | 2,239 |
| Assets per employee ($millions) | 4.7488% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 6,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 58.9137% | 3,873 |
| Net loans and leases to deposits | 71.4617% | 3,517 |
| Net loans and leases to core deposits | 73.1321% | 4,001 |
| Total domestic deposits to total assets | 82.4410% | 5,149 |
| Equity capital to assets | 17.2782% | 394 |
| Core capital (leverage) ratio | 16.4493% | 418 |
| Tier 1 risk-based capital ratio | 25.7345% | 829 |
| Total risk-based capital ratio | 26.6465% | 843 |
| Memoranda: | ||
| Average total assets | $55,289,500 | 6,198 |
| Average earning assets | $52,240,000 | 6,128 |
| Average equity | $9,807,000 | 5,088 |
| Average total loans | $33,531,000 | 5,935 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8836% | 3,436 |
| Cost of funding earning assets | 0.6165% | 6,000 |
| Net interest margin | 4.2671% | 1,815 |
| Noninterest income to average assets | 0.1080% | 6,605 |
| Noninterest expense to average assets | 3.5495% | 1,864 |
| Loan and lease loss provision to assets | 0.4574% | 2,310 |
| Net operating income to assets | 0.1806% | 5,642 |
| Return on assets (ROA) | 0.3023% | 5,397 |
| Pretax return on assets | 0.2042% | 5,773 |
| Return on Equity (ROE) | 1.6255% | 5,801 |
| Retained earnings to average equity (ytd only) | 1.6255% | 5,051 |
| Net charge-offs to loans | -0.0038% | 6,824 |
| Credit loss provision to net charge-offs | -23,300.0000% | 6,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7979% | 1,463 |
| Assets per employee ($millions) | 4.4662% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 6,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 61.2998% | 3,727 |
| Net loans and leases to deposits | 75.2336% | 3,307 |
| Net loans and leases to core deposits | 76.5947% | 3,891 |
| Total domestic deposits to total assets | 81.4793% | 5,300 |
| Equity capital to assets | 18.2259% | 333 |
| Core capital (leverage) ratio | 16.4782% | 415 |
| Tier 1 risk-based capital ratio | 26.1029% | 768 |
| Total risk-based capital ratio | 27.0043% | 785 |
| Memoranda: | ||
| Average total assets | $50,936,200 | 6,338 |
| Average earning assets | $47,526,200 | 6,271 |
| Average equity | $9,473,800 | 5,162 |
| Average total loans | $26,535,400 | 6,321 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 4,365 |
| Cost of funding earning assets | 0.6581% | 5,995 |
| Net interest margin | 4.0600% | 2,645 |
| Noninterest income to average assets | 0.1008% | 6,747 |
| Noninterest expense to average assets | 3.4638% | 2,043 |
| Loan and lease loss provision to assets | 0.5517% | 1,783 |
| Net operating income to assets | -0.1353% | 6,318 |
| Return on assets (ROA) | 0.0292% | 6,209 |
| Pretax return on assets | 0.0292% | 6,192 |
| Return on Equity (ROE) | 0.1561% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.1561% | 5,914 |
| Net charge-offs to loans | -0.0053% | 6,722 |
| Credit loss provision to net charge-offs | -20,800.0000% | 6,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2686% | 1,217 |
| Assets per employee ($millions) | 4.9913% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 6,572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 57.0013% | 4,685 |
| Net loans and leases to deposits | 69.2727% | 4,418 |
| Net loans and leases to core deposits | 73.7957% | 4,478 |
| Total domestic deposits to total assets | 82.2854% | 4,978 |
| Equity capital to assets | 17.4942% | 439 |
| Core capital (leverage) ratio | 16.5530% | 441 |
| Tier 1 risk-based capital ratio | 26.7764% | 749 |
| Total risk-based capital ratio | 27.6416% | 775 |
| Memoranda: | ||
| Average total assets | $50,271,750 | 6,415 |
| Average earning assets | $46,797,000 | 6,352 |
| Average equity | $9,400,250 | 5,206 |
| Average total loans | $24,878,000 | 6,484 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5145% | 5,312 |
| Cost of funding earning assets | 0.7237% | 5,811 |
| Net interest margin | 3.7907% | 3,827 |
| Noninterest income to average assets | 0.0862% | 6,895 |
| Noninterest expense to average assets | 3.5052% | 1,965 |
| Loan and lease loss provision to assets | 0.6239% | 1,537 |
| Net operating income to assets | -0.5172% | 6,704 |
| Return on assets (ROA) | -0.5172% | 6,732 |
| Pretax return on assets | -0.5172% | 6,670 |
| Return on Equity (ROE) | -2.7004% | 6,566 |
| Retained earnings to average equity (ytd only) | -2.7004% | 6,334 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0455% | 833 |
| Assets per employee ($millions) | 5.2091% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 6,802 |
| Loan loss allowance to noncurrent loans | 117.3469% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 6,188 |
| Noncurrent loans to loans | 0.7140% | 5,485 |
| Net loans and leases to total assets | 52.2566% | 5,534 |
| Net loans and leases to deposits | 63.9336% | 5,283 |
| Net loans and leases to core deposits | 65.9871% | 5,519 |
| Total domestic deposits to total assets | 81.7358% | 5,259 |
| Equity capital to assets | 18.0492% | 378 |
| Core capital (leverage) ratio | 16.7318% | 428 |
| Tier 1 risk-based capital ratio | 28.8555% | 609 |
| Total risk-based capital ratio | 29.6152% | 618 |
| Memoranda: | ||
| Average total assets | $48,727,670 | 6,522 |
| Average earning assets | $45,321,000 | 6,462 |
| Average equity | $9,332,000 | 5,227 |
| Average total loans | $22,643,000 | 6,652 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 6,160 |
| Cost of funding earning assets | 0.7778% | 5,689 |
| Net interest margin | 3.4680% | 5,153 |
| Noninterest income to average assets | 0.0765% | 7,009 |
| Noninterest expense to average assets | 3.6305% | 1,701 |
| Loan and lease loss provision to assets | 0.8927% | 903 |
| Net operating income to assets | -1.2243% | 7,111 |
| Return on assets (ROA) | -1.2243% | 7,113 |
| Pretax return on assets | -1.2243% | 7,070 |
| Return on Equity (ROE) | -6.1955% | 6,876 |
| Retained earnings to average equity (ytd only) | -6.1955% | 6,607 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0515% | 502 |
| Assets per employee ($millions) | 4.7038% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 6,992 |
| Loan loss allowance to noncurrent loans | 92.4242% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 6,088 |
| Noncurrent loans to loans | 0.8207% | 5,396 |
| Net loans and leases to total assets | 46.2719% | 6,263 |
| Net loans and leases to deposits | 56.5724% | 6,077 |
| Net loans and leases to core deposits | 61.1171% | 6,004 |
| Total domestic deposits to total assets | 81.7924% | 5,393 |
| Equity capital to assets | 17.9139% | 371 |
| Core capital (leverage) ratio | 17.7675% | 343 |
| Tier 1 risk-based capital ratio | 31.4577% | 459 |
| Total risk-based capital ratio | 32.1186% | 473 |
| Memoranda: | ||
| Average total assets | $47,046,000 | 6,614 |
| Average earning assets | $43,714,000 | 6,570 |
| Average equity | $9,297,000 | 5,234 |
| Average total loans | $20,239,000 | 6,826 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7765% | 7,574 |
| Cost of funding earning assets | 0.4739% | 7,338 |
| Net interest margin | 1.3026% | 7,564 |
| Noninterest income to average assets | 0.0570% | 7,077 |
| Noninterest expense to average assets | 2.0919% | 6,866 |
| Loan and lease loss provision to assets | 0.2116% | 5,137 |
| Net operating income to assets | -0.5101% | 6,393 |
| Return on assets (ROA) | -0.5101% | 6,423 |
| Pretax return on assets | -1.0310% | 6,663 |
| Return on Equity (ROE) | -3.4033% | 6,314 |
| Retained earnings to average equity (ytd only) | -3.4033% | 6,145 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.3923% | 152 |
| Assets per employee ($millions) | 4.7056% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4770% | 7,378 |
| Loan loss allowance to noncurrent loans | 39.0000% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 5,919 |
| Noncurrent loans to loans | 1.2230% | 4,684 |
| Net loans and leases to total assets | 38.4298% | 7,055 |
| Net loans and leases to deposits | 53.0562% | 6,670 |
| Net loans and leases to core deposits | 54.8515% | 6,761 |
| Total domestic deposits to total assets | 72.4321% | 7,049 |
| Equity capital to assets | 22.0189% | 181 |
| Core capital (leverage) ratio | 22.5509% | 158 |
| Tier 1 risk-based capital ratio | 42.7432% | 198 |
| Total risk-based capital ratio | 43.1202% | 207 |
| Memoranda: | ||
| Average total assets | $36,856,800 | 6,979 |
| Average earning assets | $34,392,800 | 6,937 |
| Average equity | $5,524,000 | 6,500 |
| Average total loans | $11,689,800 | 7,321 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0409% | 7,724 |
| Cost of funding earning assets | 0.3014% | 7,637 |
| Net interest margin | 0.7395% | 7,718 |
| Noninterest income to average assets | 0.0338% | 7,353 |
| Noninterest expense to average assets | 0.9394% | 7,704 |
| Loan and lease loss provision to assets | 0.2931% | 4,231 |
| Net operating income to assets | 0.1691% | 5,593 |
| Return on assets (ROA) | 0.1691% | 5,751 |
| Pretax return on assets | -0.5072% | 6,560 |
| Return on Equity (ROE) | 1.3118% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.3118% | 5,285 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.5337% | 299 |
| Assets per employee ($millions) | 4.2531% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7074% | 7,188 |
| Loan loss allowance to noncurrent loans | 39.0000% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 5,902 |
| Noncurrent loans to loans | 1.8137% | 3,930 |
| Net loans and leases to total assets | 28.6039% | 7,495 |
| Net loans and leases to deposits | 36.7084% | 7,454 |
| Net loans and leases to core deposits | 38.3167% | 7,453 |
| Total domestic deposits to total assets | 77.9220% | 6,276 |
| Equity capital to assets | 14.5776% | 1,000 |
| Core capital (leverage) ratio | 14.4021% | 832 |
| Tier 1 risk-based capital ratio | 31.4069% | 455 |
| Total risk-based capital ratio | 31.9001% | 476 |
| Memoranda: | ||
| Average total assets | $35,483,500 | 7,110 |
| Average earning assets | $33,176,500 | 7,058 |
| Average equity | $4,573,750 | 6,882 |
| Average total loans | $10,524,000 | 7,464 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 6,349 |
| Cost of funding earning assets | 1.2562% | 4,790 |
| Net interest margin | 3.3806% | 5,713 |
| Noninterest income to average assets | -0.4920% | 7,747 |
| Noninterest expense to average assets | 2.1128% | 6,860 |
| Loan and lease loss provision to assets | 0.0810% | 6,122 |
| Net operating income to assets | 0.4746% | 4,439 |
| Return on assets (ROA) | 0.4746% | 4,595 |
| Pretax return on assets | 0.4920% | 4,929 |
| Return on Equity (ROE) | 3.8694% | 4,835 |
| Retained earnings to average equity (ytd only) | 3.8694% | 3,626 |
| Net charge-offs to loans | -0.1738% | 7,628 |
| Credit loss provision to net charge-offs | -155.5556% | 6,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6638% | 2,633 |
| Assets per employee ($millions) | 6.9380% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 5,007 |
| Loan loss allowance to noncurrent loans | 63.0000% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 0.9340% | 5,259 |
| Noncurrent loans to loans | 2.0404% | 3,665 |
| Net loans and leases to total assets | 27.8928% | 7,578 |
| Net loans and leases to deposits | 33.4960% | 7,588 |
| Net loans and leases to core deposits | 35.0364% | 7,583 |
| Total domestic deposits to total assets | 83.2718% | 4,457 |
| Equity capital to assets | 12.4243% | 1,846 |
| Core capital (leverage) ratio | 11.1199% | 2,155 |
| Tier 1 risk-based capital ratio | 28.3640% | 599 |
| Total risk-based capital ratio | 29.3023% | 609 |
| Memoranda: | ||
| Average total assets | $34,552,000 | 7,193 |
| Average earning assets | $32,479,670 | 7,135 |
| Average equity | $4,238,330 | 7,035 |
| Average total loans | $10,356,330 | 7,535 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8748% | 5,590 |
| Cost of funding earning assets | 1.2868% | 4,892 |
| Net interest margin | 3.5881% | 4,782 |
| Noninterest income to average assets | -1.0092% | 7,897 |
| Noninterest expense to average assets | 2.1576% | 6,789 |
| Loan and lease loss provision to assets | 0.0464% | 6,203 |
| Net operating income to assets | 0.1508% | 5,855 |
| Return on assets (ROA) | 0.1508% | 5,984 |
| Pretax return on assets | 0.1508% | 6,022 |
| Return on Equity (ROE) | 1.2374% | 6,048 |
| Retained earnings to average equity (ytd only) | 1.2374% | 5,322 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6256% | 1,305 |
| Assets per employee ($millions) | 6.7480% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 6,218 |
| Loan loss allowance to noncurrent loans | 53.5000% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 0.9899% | 5,165 |
| Noncurrent loans to loans | 1.9660% | 3,836 |
| Net loans and leases to total assets | 29.8340% | 7,629 |
| Net loans and leases to deposits | 36.5704% | 7,609 |
| Net loans and leases to core deposits | 37.6173% | 7,627 |
| Total domestic deposits to total assets | 81.5797% | 5,239 |
| Equity capital to assets | 12.5282% | 1,743 |
| Core capital (leverage) ratio | 10.9829% | 2,241 |
| Tier 1 risk-based capital ratio | 27.6198% | 665 |
| Total risk-based capital ratio | 28.4100% | 681 |
| Memoranda: | ||
| Average total assets | $34,483,000 | 7,282 |
| Average earning assets | $32,329,500 | 7,231 |
| Average equity | $4,202,500 | 7,113 |
| Average total loans | $10,633,500 | 7,623 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1539% | 5,859 |
| Cost of funding earning assets | 1.5221% | 5,427 |
| Net interest margin | 3.6318% | 4,422 |
| Noninterest income to average assets | 0.1597% | 6,931 |
| Noninterest expense to average assets | 2.5143% | 6,078 |
| Loan and lease loss provision to assets | 0.3343% | 4,804 |
| Net operating income to assets | 0.7218% | 2,849 |
| Return on assets (ROA) | 0.7218% | 2,919 |
| Pretax return on assets | 0.6567% | 3,720 |
| Return on Equity (ROE) | 6.0537% | 3,186 |
| Retained earnings to average equity (ytd only) | 3.8208% | 2,526 |
| Net charge-offs to loans | 1.1045% | 2,214 |
| Credit loss provision to net charge-offs | 99.1228% | 5,625 |
| Earnings coverage of net charge-offs (x) | 2.9386% | 3,615 |
| Efficiency ratio | 71.7300% | 4,316 |
| Assets per employee ($millions) | 5.8710% | 1,344 |
| Cash dividends to net income (ytd only)* | 36.8852% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 6,713 |
| Loan loss allowance to noncurrent loans | 51.5000% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 1.9417% | 3,465 |
| Noncurrent loans to loans | 1.8028% | 3,925 |
| Net loans and leases to total assets | 31.2014% | 7,680 |
| Net loans and leases to deposits | 39.5872% | 7,637 |
| Net loans and leases to core deposits | 55.2867% | 7,428 |
| Total domestic deposits to total assets | 78.8168% | 6,029 |
| Equity capital to assets | 11.8606% | 2,104 |
| Core capital (leverage) ratio | 10.5961% | 2,505 |
| Tier 1 risk-based capital ratio | 24.9966% | 844 |
| Total risk-based capital ratio | 25.6876% | 886 |
| Memoranda: | ||
| Average total assets | $33,806,600 | 7,332 |
| Average earning assets | $31,141,400 | 7,304 |
| Average equity | $4,030,600 | 7,279 |
| Average total loans | $10,321,600 | 7,692 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1738% | 5,994 |
| Cost of funding earning assets | 1.5626% | 5,579 |
| Net interest margin | 3.6113% | 4,437 |
| Noninterest income to average assets | 0.0638% | 7,592 |
| Noninterest expense to average assets | 2.1204% | 7,152 |
| Loan and lease loss provision to assets | 0.0319% | 7,038 |
| Net operating income to assets | 1.0682% | 1,835 |
| Return on assets (ROA) | 1.0682% | 1,884 |
| Pretax return on assets | 1.2276% | 2,172 |
| Return on Equity (ROE) | 8.9470% | 2,279 |
| Retained earnings to average equity (ytd only) | 8.9470% | 851 |
| Net charge-offs to loans | 0.1843% | 4,914 |
| Credit loss provision to net charge-offs | 57.1429% | 6,213 |
| Earnings coverage of net charge-offs (x) | 22.5667% | 1,151 |
| Efficiency ratio | 62.7358% | 5,976 |
| Assets per employee ($millions) | 5.9370% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 6,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7180% | 3,794 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 28.7238% | 7,829 |
| Net loans and leases to deposits | 35.9864% | 7,823 |
| Net loans and leases to core deposits | 48.6335% | 7,714 |
| Total domestic deposits to total assets | 79.8187% | 5,514 |
| Equity capital to assets | 12.1442% | 2,158 |
| Core capital (leverage) ratio | 11.2547% | 2,218 |
| Tier 1 risk-based capital ratio | 26.7577% | 767 |
| Total risk-based capital ratio | 27.4476% | 790 |
| Memoranda: | ||
| Average total assets | $33,451,750 | 7,406 |
| Average earning assets | $30,717,750 | 7,388 |
| Average equity | $3,993,750 | 7,360 |
| Average total loans | $10,128,500 | 7,777 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2617% | 5,818 |
| Cost of funding earning assets | 1.6318% | 5,599 |
| Net interest margin | 3.6299% | 4,249 |
| Noninterest income to average assets | 0.1589% | 7,138 |
| Noninterest expense to average assets | 2.2794% | 6,822 |
| Loan and lease loss provision to assets | 0.0489% | 6,743 |
| Net operating income to assets | 0.9777% | 2,187 |
| Return on assets (ROA) | 0.9777% | 2,280 |
| Pretax return on assets | 1.1611% | 2,422 |
| Return on Equity (ROE) | 8.2411% | 2,673 |
| Retained earnings to average equity (ytd only) | 8.2411% | 1,137 |
| Net charge-offs to loans | 0.2584% | 3,897 |
| Credit loss provision to net charge-offs | 61.5385% | 5,570 |
| Earnings coverage of net charge-offs (x) | 15.2308% | 1,608 |
| Efficiency ratio | 65.3240% | 5,655 |
| Assets per employee ($millions) | 5.5527% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 6,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8670% | 3,378 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 29.0761% | 7,909 |
| Net loans and leases to deposits | 34.1092% | 7,935 |
| Net loans and leases to core deposits | 44.8992% | 7,861 |
| Total domestic deposits to total assets | 85.2443% | 3,138 |
| Equity capital to assets | 11.8592% | 2,287 |
| Core capital (leverage) ratio | 11.2210% | 2,247 |
| Tier 1 risk-based capital ratio | 27.7679% | 733 |
| Total risk-based capital ratio | 28.5045% | 746 |
| Memoranda: | ||
| Average total assets | $32,728,330 | 7,496 |
| Average earning assets | $30,028,330 | 7,482 |
| Average equity | $3,883,000 | 7,454 |
| Average total loans | $10,061,000 | 7,857 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3978% | 5,438 |
| Cost of funding earning assets | 1.6640% | 5,766 |
| Net interest margin | 3.7338% | 3,745 |
| Noninterest income to average assets | 0.1603% | 7,161 |
| Noninterest expense to average assets | 2.4295% | 6,101 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8879% | 2,747 |
| Return on assets (ROA) | 0.8879% | 2,898 |
| Pretax return on assets | 1.1346% | 2,853 |
| Return on Equity (ROE) | 7.4825% | 3,391 |
| Retained earnings to average equity (ytd only) | 7.4825% | 2,031 |
| Net charge-offs to loans | -0.0392% | 7,636 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1661% | 4,933 |
| Assets per employee ($millions) | 5.5312% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 5,253 |
| Loan loss allowance to noncurrent loans | 164.0625% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 1.9285% | 3,011 |
| Noncurrent loans to loans | 0.6897% | 5,683 |
| Net loans and leases to total assets | 27.6434% | 7,970 |
| Net loans and leases to deposits | 33.1910% | 7,994 |
| Net loans and leases to core deposits | 43.7649% | 7,909 |
| Total domestic deposits to total assets | 83.2856% | 4,000 |
| Equity capital to assets | 11.7817% | 2,394 |
| Core capital (leverage) ratio | 11.2765% | 2,292 |
| Tier 1 risk-based capital ratio | 28.1825% | 742 |
| Total risk-based capital ratio | 28.9946% | 753 |
| Memoranda: | ||
| Average total assets | $32,434,500 | 7,550 |
| Average earning assets | $29,567,500 | 7,541 |
| Average equity | $3,849,000 | 7,503 |
| Average total loans | $10,198,500 | 7,901 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6515% | 6,929 |
| Cost of funding earning assets | 2.1526% | 5,817 |
| Net interest margin | 3.4989% | 5,300 |
| Noninterest income to average assets | 0.1954% | 7,057 |
| Noninterest expense to average assets | 2.5015% | 5,998 |
| Loan and lease loss provision to assets | 0.3225% | 3,796 |
| Net operating income to assets | 0.6221% | 4,218 |
| Return on assets (ROA) | 0.6221% | 4,070 |
| Pretax return on assets | 0.5798% | 4,757 |
| Return on Equity (ROE) | 5.2266% | 4,271 |
| Retained earnings to average equity (ytd only) | -0.3284% | 5,386 |
| Net charge-offs to loans | 1.5543% | 743 |
| Credit loss provision to net charge-offs | 58.5799% | 6,248 |
| Earnings coverage of net charge-offs (x) | 1.6391% | 5,267 |
| Efficiency ratio | 73.4928% | 3,665 |
| Assets per employee ($millions) | 5.2803% | 1,659 |
| Cash dividends to net income (ytd only)* | 106.2827% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 6,426 |
| Loan loss allowance to noncurrent loans | 29.1667% | 6,753 |
| Noncurrent assets plus other real estate owned to assets | 3.1280% | 1,466 |
| Noncurrent loans to loans | 3.2380% | 1,618 |
| Net loans and leases to total assets | 34.7611% | 7,875 |
| Net loans and leases to deposits | 43.0027% | 7,875 |
| Net loans and leases to core deposits | 55.1560% | 7,761 |
| Total domestic deposits to total assets | 80.8345% | 4,718 |
| Equity capital to assets | 11.9563% | 2,314 |
| Core capital (leverage) ratio | 11.3925% | 2,316 |
| Tier 1 risk-based capital ratio | 25.0649% | 977 |
| Total risk-based capital ratio | 25.8017% | 1,007 |
| Memoranda: | ||
| Average total assets | $30,701,400 | 7,614 |
| Average earning assets | $28,151,600 | 7,613 |
| Average equity | $3,654,400 | 7,631 |
| Average total loans | $10,872,800 | 7,897 |