Home > Green Belt Bank & Trust > Performance and Condition Ratios
Green Belt Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9954% | 2,077 |
| Cost of funding earning assets | 2.0125% | 902 |
| Net interest margin | 2.9829% | 3,324 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.0271% | 3,561 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.1731% | 1,713 |
| Return on assets (ROA) | 1.1788% | 1,675 |
| Pretax return on assets | 1.2370% | 2,042 |
| Return on Equity (ROE) | 13.9900% | 1,488 |
| Retained earnings to average equity (ytd only) | 5.3303% | 2,476 |
| Net charge-offs to loans | -0.0515% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.3946% | 2,924 |
| Assets per employee ($millions) | 8.3767% | 1,237 |
| Cash dividends to net income (ytd only)* | 61.8956% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,298 |
| Loan loss allowance to noncurrent loans | 3,164.2023% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 3,370 |
| Noncurrent loans to loans | 0.0450% | 3,394 |
| Net loans and leases to total assets | 82.9800% | 347 |
| Net loans and leases to deposits | 94.5944% | 899 |
| Net loans and leases to core deposits | 108.8857% | 1,000 |
| Total domestic deposits to total assets | 87.7200% | 1,446 |
| Equity capital to assets | 8.5193% | 3,040 |
| Core capital (leverage) ratio | 8.9068% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8671% | 2,833 |
| Memoranda: | ||
| Average total assets | $657,895,400 | 1,368 |
| Average earning assets | $623,094,000 | 1,339 |
| Average equity | $55,437,800 | 1,478 |
| Average total loans | $541,497,800 | 1,164 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9178% | 2,025 |
| Cost of funding earning assets | 1.8763% | 891 |
| Net interest margin | 3.0415% | 3,258 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 1.8604% | 3,867 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.3947% | 1,331 |
| Return on assets (ROA) | 1.3988% | 1,308 |
| Pretax return on assets | 1.4648% | 1,648 |
| Return on Equity (ROE) | 16.6500% | 1,141 |
| Retained earnings to average equity (ytd only) | 7.8959% | 2,008 |
| Net charge-offs to loans | 0.0220% | 1,661 |
| Credit loss provision to net charge-offs | 254.5455% | 973 |
| Earnings coverage of net charge-offs (x) | 83.7955% | 1,021 |
| Efficiency ratio | 55.2299% | 3,468 |
| Assets per employee ($millions) | 8.0965% | 1,299 |
| Cash dividends to net income (ytd only)* | 52.5701% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,396 |
| Loan loss allowance to noncurrent loans | 1,967.0918% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,222 |
| Noncurrent loans to loans | 0.0719% | 3,241 |
| Net loans and leases to total assets | 81.9500% | 438 |
| Net loans and leases to deposits | 91.7021% | 1,078 |
| Net loans and leases to core deposits | 105.0271% | 1,061 |
| Total domestic deposits to total assets | 89.3600% | 1,137 |
| Equity capital to assets | 8.5330% | 2,707 |
| Core capital (leverage) ratio | 9.2399% | 3,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6068% | 2,709 |
| Memoranda: | ||
| Average total assets | $652,740,250 | 1,371 |
| Average earning assets | $618,636,000 | 1,341 |
| Average equity | $54,846,000 | 1,480 |
| Average total loans | $534,083,000 | 1,170 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8243% | 1,938 |
| Cost of funding earning assets | 1.7630% | 795 |
| Net interest margin | 3.0613% | 3,295 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 1.7274% | 4,115 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.4543% | 1,202 |
| Return on assets (ROA) | 1.4589% | 1,179 |
| Pretax return on assets | 1.5280% | 1,544 |
| Return on Equity (ROE) | 17.4500% | 1,026 |
| Retained earnings to average equity (ytd only) | 8.6426% | 1,779 |
| Net charge-offs to loans | 0.0309% | 1,270 |
| Credit loss provision to net charge-offs | 178.0488% | 1,095 |
| Earnings coverage of net charge-offs (x) | 62.3049% | 1,179 |
| Efficiency ratio | 52.3934% | 3,749 |
| Assets per employee ($millions) | 8.1965% | 1,231 |
| Cash dividends to net income (ytd only)* | 50.4838% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 1,428 |
| Loan loss allowance to noncurrent loans | 1,356.8384% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 2,934 |
| Noncurrent loans to loans | 0.1051% | 2,963 |
| Net loans and leases to total assets | 80.5300% | 581 |
| Net loans and leases to deposits | 90.0791% | 1,177 |
| Net loans and leases to core deposits | 101.4764% | 1,160 |
| Total domestic deposits to total assets | 89.4000% | 1,110 |
| Equity capital to assets | 8.4991% | 2,867 |
| Core capital (leverage) ratio | 9.0468% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3823% | 2,785 |
| Memoranda: | ||
| Average total assets | $651,715,333 | 1,372 |
| Average earning assets | $618,164,333 | 1,344 |
| Average equity | $54,474,333 | 1,496 |
| Average total loans | $530,397,000 | 1,168 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 1,828 |
| Cost of funding earning assets | 1.6801% | 605 |
| Net interest margin | 3.0288% | 3,530 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.7589% | 4,100 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.3492% | 1,548 |
| Return on assets (ROA) | 1.3551% | 1,498 |
| Pretax return on assets | 1.4228% | 1,826 |
| Return on Equity (ROE) | 16.3500% | 1,290 |
| Retained earnings to average equity (ytd only) | 7.4360% | 2,378 |
| Net charge-offs to loans | -0.0159% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.6307% | 3,541 |
| Assets per employee ($millions) | 8.4091% | 1,162 |
| Cash dividends to net income (ytd only)* | 54.5207% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 1,433 |
| Loan loss allowance to noncurrent loans | 2,215.3179% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 3,255 |
| Noncurrent loans to loans | 0.0655% | 3,266 |
| Net loans and leases to total assets | 79.4100% | 602 |
| Net loans and leases to deposits | 87.9160% | 1,213 |
| Net loans and leases to core deposits | 98.2742% | 1,162 |
| Total domestic deposits to total assets | 90.3200% | 1,040 |
| Equity capital to assets | 8.3502% | 3,001 |
| Core capital (leverage) ratio | 8.8403% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2739% | 2,906 |
| Memoranda: | ||
| Average total assets | $649,715,000 | 1,397 |
| Average earning assets | $615,685,500 | 1,369 |
| Average equity | $53,846,500 | 1,520 |
| Average total loans | $527,741,000 | 1,182 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 1,860 |
| Cost of funding earning assets | 0.6084% | 865 |
| Net interest margin | 3.3410% | 2,447 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.9050% | 3,815 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.4829% | 922 |
| Return on assets (ROA) | 1.4820% | 891 |
| Pretax return on assets | 1.5519% | 1,286 |
| Return on Equity (ROE) | 17.4100% | 794 |
| Retained earnings to average equity (ytd only) | 8.3241% | 1,712 |
| Net charge-offs to loans | -0.0186% | 4,038 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.3526% | 3,848 |
| Assets per employee ($millions) | 8.3574% | 1,161 |
| Cash dividends to net income (ytd only)* | 52.1966% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 1,387 |
| Loan loss allowance to noncurrent loans | 3,333.0396% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 3,451 |
| Noncurrent loans to loans | 0.0431% | 3,454 |
| Net loans and leases to total assets | 80.7100% | 526 |
| Net loans and leases to deposits | 91.9896% | 913 |
| Net loans and leases to core deposits | 102.3971% | 883 |
| Total domestic deposits to total assets | 87.7400% | 2,164 |
| Equity capital to assets | 8.2240% | 2,916 |
| Core capital (leverage) ratio | 8.9851% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1036% | 2,954 |
| Memoranda: | ||
| Average total assets | $620,523,400 | 1,436 |
| Average earning assets | $590,597,600 | 1,407 |
| Average equity | $52,810,400 | 1,548 |
| Average total loans | $495,517,600 | 1,187 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 1,794 |
| Cost of funding earning assets | 0.3993% | 1,295 |
| Net interest margin | 3.3892% | 2,007 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.6814% | 4,183 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.7295% | 495 |
| Return on assets (ROA) | 1.7270% | 488 |
| Pretax return on assets | 1.8192% | 703 |
| Return on Equity (ROE) | 20.1100% | 427 |
| Retained earnings to average equity (ytd only) | 11.0211% | 1,049 |
| Net charge-offs to loans | -0.0139% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.2877% | 4,368 |
| Assets per employee ($millions) | 8.2619% | 1,191 |
| Cash dividends to net income (ytd only)* | 45.2091% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 1,419 |
| Loan loss allowance to noncurrent loans | 1,953.9474% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 3,282 |
| Noncurrent loans to loans | 0.0748% | 3,341 |
| Net loans and leases to total assets | 79.7400% | 551 |
| Net loans and leases to deposits | 91.8412% | 773 |
| Net loans and leases to core deposits | 98.6859% | 872 |
| Total domestic deposits to total assets | 86.8200% | 2,825 |
| Equity capital to assets | 8.2322% | 2,726 |
| Core capital (leverage) ratio | 9.1779% | 3,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4386% | 2,961 |
| Memoranda: | ||
| Average total assets | $614,774,250 | 1,455 |
| Average earning assets | $586,402,250 | 1,421 |
| Average equity | $52,782,250 | 1,568 |
| Average total loans | $487,656,500 | 1,195 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6434% | 1,706 |
| Cost of funding earning assets | 0.3476% | 1,288 |
| Net interest margin | 3.2958% | 1,922 |
| Noninterest income to average assets | 0.4024% | 2,744 |
| Noninterest expense to average assets | 1.6638% | 4,192 |
| Loan and lease loss provision to assets | 0.1393% | 691 |
| Net operating income to assets | 1.6679% | 464 |
| Return on assets (ROA) | 1.6638% | 463 |
| Pretax return on assets | 1.7425% | 686 |
| Return on Equity (ROE) | 19.1095% | 376 |
| Retained earnings to average equity (ytd only) | 10.0778% | 993 |
| Net charge-offs to loans | -0.0241% | 3,959 |
| Credit loss provision to net charge-offs | -732.7586% | 3,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8156% | 4,405 |
| Assets per employee ($millions) | 7.9460% | 1,338 |
| Cash dividends to net income (ytd only)* | 47.2627% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 1,458 |
| Loan loss allowance to noncurrent loans | 3,193.8596% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 3,540 |
| Noncurrent loans to loans | 0.0464% | 3,601 |
| Net loans and leases to total assets | 79.1663% | 468 |
| Net loans and leases to deposits | 87.8337% | 844 |
| Net loans and leases to core deposits | 93.4441% | 947 |
| Total domestic deposits to total assets | 90.1321% | 1,659 |
| Equity capital to assets | 8.5460% | 2,727 |
| Core capital (leverage) ratio | 8.8777% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3726% | 2,952 |
| Memoranda: | ||
| Average total assets | $610,398,667 | 1,473 |
| Average earning assets | $582,922,333 | 1,443 |
| Average equity | $53,146,333 | 1,605 |
| Average total loans | $480,846,333 | 1,206 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4938% | 1,833 |
| Cost of funding earning assets | 0.3510% | 1,193 |
| Net interest margin | 3.1427% | 2,049 |
| Noninterest income to average assets | 0.3497% | 2,999 |
| Noninterest expense to average assets | 1.6291% | 4,253 |
| Loan and lease loss provision to assets | 0.1476% | 536 |
| Net operating income to assets | 1.5035% | 631 |
| Return on assets (ROA) | 1.4985% | 631 |
| Pretax return on assets | 1.5694% | 878 |
| Return on Equity (ROE) | 17.0526% | 418 |
| Retained earnings to average equity (ytd only) | 8.0933% | 1,553 |
| Net charge-offs to loans | -0.0463% | 4,232 |
| Credit loss provision to net charge-offs | -409.0909% | 3,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5513% | 4,377 |
| Assets per employee ($millions) | 8.7274% | 1,014 |
| Cash dividends to net income (ytd only)* | 52.5394% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,576 |
| Loan loss allowance to noncurrent loans | 3,104.8246% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 3,605 |
| Noncurrent loans to loans | 0.0480% | 3,634 |
| Net loans and leases to total assets | 74.4399% | 629 |
| Net loans and leases to deposits | 82.5378% | 976 |
| Net loans and leases to core deposits | 87.8516% | 1,026 |
| Total domestic deposits to total assets | 90.1889% | 1,451 |
| Equity capital to assets | 8.3176% | 3,311 |
| Core capital (leverage) ratio | 8.6392% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3259% | 3,004 |
| Memoranda: | ||
| Average total assets | $609,677,500 | 1,480 |
| Average earning assets | $582,293,500 | 1,446 |
| Average equity | $53,575,500 | 1,634 |
| Average total loans | $475,442,500 | 1,206 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 1,667 |
| Cost of funding earning assets | 0.5377% | 759 |
| Net interest margin | 3.3438% | 2,194 |
| Noninterest income to average assets | 0.5667% | 2,293 |
| Noninterest expense to average assets | 1.9261% | 3,864 |
| Loan and lease loss provision to assets | 0.1692% | 686 |
| Net operating income to assets | 1.5887% | 840 |
| Return on assets (ROA) | 1.5927% | 862 |
| Pretax return on assets | 1.6678% | 1,222 |
| Return on Equity (ROE) | 17.4662% | 522 |
| Retained earnings to average equity (ytd only) | 8.9011% | 1,233 |
| Net charge-offs to loans | 0.0777% | 1,018 |
| Credit loss provision to net charge-offs | 287.9656% | 1,090 |
| Earnings coverage of net charge-offs (x) | 31.1920% | 1,583 |
| Efficiency ratio | 51.1556% | 4,188 |
| Assets per employee ($millions) | 7.9863% | 1,343 |
| Cash dividends to net income (ytd only)* | 49.0381% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 1,810 |
| Loan loss allowance to noncurrent loans | 2,035.6287% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,570 |
| Noncurrent loans to loans | 0.0702% | 3,587 |
| Net loans and leases to total assets | 79.4012% | 298 |
| Net loans and leases to deposits | 88.9673% | 609 |
| Net loans and leases to core deposits | 94.7543% | 745 |
| Total domestic deposits to total assets | 89.2476% | 1,383 |
| Equity capital to assets | 9.2872% | 3,330 |
| Core capital (leverage) ratio | 8.6496% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2387% | 3,021 |
| Memoranda: | ||
| Average total assets | $593,955,600 | 1,467 |
| Average earning assets | $567,019,800 | 1,437 |
| Average equity | $54,161,600 | 1,651 |
| Average total loans | $449,257,000 | 1,267 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 1,627 |
| Cost of funding earning assets | 0.5733% | 730 |
| Net interest margin | 3.3843% | 2,197 |
| Noninterest income to average assets | 0.3964% | 3,108 |
| Noninterest expense to average assets | 1.6384% | 4,415 |
| Loan and lease loss provision to assets | 0.2253% | 435 |
| Net operating income to assets | 1.6866% | 854 |
| Return on assets (ROA) | 1.6902% | 889 |
| Pretax return on assets | 1.7698% | 1,238 |
| Return on Equity (ROE) | 18.6211% | 557 |
| Retained earnings to average equity (ytd only) | 13.7083% | 540 |
| Net charge-offs to loans | 0.0398% | 1,294 |
| Credit loss provision to net charge-offs | 761.3636% | 608 |
| Earnings coverage of net charge-offs (x) | 67.2879% | 1,081 |
| Efficiency ratio | 45.0525% | 4,540 |
| Assets per employee ($millions) | 8.0844% | 1,238 |
| Cash dividends to net income (ytd only)* | 26.3828% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 1,441 |
| Loan loss allowance to noncurrent loans | 867.2435% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 3,210 |
| Noncurrent loans to loans | 0.1796% | 3,232 |
| Net loans and leases to total assets | 74.1269% | 682 |
| Net loans and leases to deposits | 83.6158% | 987 |
| Net loans and leases to core deposits | 89.8900% | 1,040 |
| Total domestic deposits to total assets | 88.6517% | 1,489 |
| Equity capital to assets | 9.3930% | 3,473 |
| Core capital (leverage) ratio | 8.7763% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7301% | 2,795 |
| Memoranda: | ||
| Average total assets | $594,698,250 | 1,477 |
| Average earning assets | $568,176,000 | 1,452 |
| Average equity | $53,980,500 | 1,674 |
| Average total loans | $442,559,250 | 1,302 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 1,262 |
| Cost of funding earning assets | 0.6014% | 742 |
| Net interest margin | 3.5515% | 1,708 |
| Noninterest income to average assets | 0.3872% | 3,173 |
| Noninterest expense to average assets | 1.6269% | 4,475 |
| Loan and lease loss provision to assets | 0.2544% | 381 |
| Net operating income to assets | 1.8185% | 688 |
| Return on assets (ROA) | 1.8224% | 712 |
| Pretax return on assets | 1.9049% | 1,012 |
| Return on Equity (ROE) | 20.3144% | 431 |
| Retained earnings to average equity (ytd only) | 15.3335% | 393 |
| Net charge-offs to loans | 0.0286% | 1,379 |
| Credit loss provision to net charge-offs | 1,198.4127% | 423 |
| Earnings coverage of net charge-offs (x) | 101.5238% | 743 |
| Efficiency ratio | 42.9259% | 4,665 |
| Assets per employee ($millions) | 7.8711% | 1,270 |
| Cash dividends to net income (ytd only)* | 24.5192% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 1,497 |
| Loan loss allowance to noncurrent loans | 576.3069% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 2,988 |
| Noncurrent loans to loans | 0.2653% | 2,988 |
| Net loans and leases to total assets | 71.7058% | 1,003 |
| Net loans and leases to deposits | 80.4766% | 1,387 |
| Net loans and leases to core deposits | 86.4972% | 1,382 |
| Total domestic deposits to total assets | 89.1014% | 1,227 |
| Equity capital to assets | 8.9291% | 3,859 |
| Core capital (leverage) ratio | 8.5551% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3151% | 2,898 |
| Memoranda: | ||
| Average total assets | $593,517,000 | 1,475 |
| Average earning assets | $567,368,333 | 1,449 |
| Average equity | $53,243,000 | 1,687 |
| Average total loans | $439,921,000 | 1,308 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3661% | 944 |
| Cost of funding earning assets | 0.6381% | 737 |
| Net interest margin | 3.7280% | 1,273 |
| Noninterest income to average assets | 0.3929% | 3,122 |
| Noninterest expense to average assets | 1.6636% | 4,445 |
| Loan and lease loss provision to assets | 0.2606% | 389 |
| Net operating income to assets | 1.9369% | 624 |
| Return on assets (ROA) | 1.9455% | 659 |
| Pretax return on assets | 2.0353% | 897 |
| Return on Equity (ROE) | 21.6340% | 422 |
| Retained earnings to average equity (ytd only) | 18.9650% | 319 |
| Net charge-offs to loans | -0.0156% | 3,876 |
| Credit loss provision to net charge-offs | -2,235.2941% | 3,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0240% | 4,671 |
| Assets per employee ($millions) | 8.0460% | 1,181 |
| Cash dividends to net income (ytd only)* | 12.3370% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 1,691 |
| Loan loss allowance to noncurrent loans | 418.8981% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 2,760 |
| Noncurrent loans to loans | 0.3522% | 2,819 |
| Net loans and leases to total assets | 72.3690% | 970 |
| Net loans and leases to deposits | 81.2134% | 1,407 |
| Net loans and leases to core deposits | 87.7961% | 1,386 |
| Total domestic deposits to total assets | 89.1098% | 1,284 |
| Equity capital to assets | 8.8233% | 3,860 |
| Core capital (leverage) ratio | 8.4968% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7371% | 2,972 |
| Memoranda: | ||
| Average total assets | $583,301,000 | 1,486 |
| Average earning assets | $556,648,500 | 1,455 |
| Average equity | $52,454,500 | 1,698 |
| Average total loans | $436,345,500 | 1,314 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 1,774 |
| Cost of funding earning assets | 0.9464% | 724 |
| Net interest margin | 3.3834% | 2,822 |
| Noninterest income to average assets | 0.4941% | 2,658 |
| Noninterest expense to average assets | 1.9252% | 4,275 |
| Loan and lease loss provision to assets | 0.9623% | 104 |
| Net operating income to assets | 0.7831% | 3,157 |
| Return on assets (ROA) | 0.7822% | 3,286 |
| Pretax return on assets | 0.8189% | 3,584 |
| Return on Equity (ROE) | 8.3474% | 2,671 |
| Retained earnings to average equity (ytd only) | 5.3230% | 2,130 |
| Net charge-offs to loans | 1.1733% | 106 |
| Credit loss provision to net charge-offs | 104.4878% | 2,774 |
| Earnings coverage of net charge-offs (x) | 1.9350% | 3,219 |
| Efficiency ratio | 51.7998% | 4,398 |
| Assets per employee ($millions) | 7.5087% | 1,277 |
| Cash dividends to net income (ytd only)* | 36.2322% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 1,852 |
| Loan loss allowance to noncurrent loans | 521.4771% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 3,195 |
| Noncurrent loans to loans | 0.2743% | 3,209 |
| Net loans and leases to total assets | 75.1659% | 882 |
| Net loans and leases to deposits | 84.9414% | 1,364 |
| Net loans and leases to core deposits | 92.4556% | 1,351 |
| Total domestic deposits to total assets | 88.4914% | 1,237 |
| Equity capital to assets | 9.1743% | 3,912 |
| Core capital (leverage) ratio | 8.4397% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2940% | 3,048 |
| Memoranda: | ||
| Average total assets | $539,516,800 | 1,456 |
| Average earning assets | $512,380,000 | 1,428 |
| Average equity | $50,554,600 | 1,677 |
| Average total loans | $423,501,800 | 1,289 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 1,553 |
| Cost of funding earning assets | 1.0079% | 744 |
| Net interest margin | 3.4987% | 2,590 |
| Noninterest income to average assets | 0.4870% | 2,667 |
| Noninterest expense to average assets | 1.7788% | 4,531 |
| Loan and lease loss provision to assets | 0.7706% | 251 |
| Net operating income to assets | 1.2030% | 1,625 |
| Return on assets (ROA) | 1.2009% | 1,760 |
| Pretax return on assets | 1.2573% | 2,199 |
| Return on Equity (ROE) | 12.7451% | 1,187 |
| Retained earnings to average equity (ytd only) | 9.6583% | 838 |
| Net charge-offs to loans | 1.0824% | 126 |
| Credit loss provision to net charge-offs | 90.0175% | 2,700 |
| Earnings coverage of net charge-offs (x) | 2.3716% | 2,998 |
| Efficiency ratio | 46.5757% | 4,686 |
| Assets per employee ($millions) | 7.6056% | 1,158 |
| Cash dividends to net income (ytd only)* | 24.2197% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 2,110 |
| Loan loss allowance to noncurrent loans | 175.6850% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 1,995 |
| Noncurrent loans to loans | 0.7472% | 1,936 |
| Net loans and leases to total assets | 75.5232% | 1,157 |
| Net loans and leases to deposits | 85.7635% | 1,733 |
| Net loans and leases to core deposits | 94.3294% | 1,609 |
| Total domestic deposits to total assets | 88.0599% | 1,198 |
| Equity capital to assets | 9.4895% | 3,693 |
| Core capital (leverage) ratio | 8.7835% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8914% | 2,937 |
| Memoranda: | ||
| Average total assets | $533,608,000 | 1,452 |
| Average earning assets | $506,657,250 | 1,421 |
| Average equity | $50,277,000 | 1,675 |
| Average total loans | $422,017,000 | 1,287 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7768% | 1,225 |
| Cost of funding earning assets | 1.0837% | 747 |
| Net interest margin | 3.6931% | 2,188 |
| Noninterest income to average assets | 0.4734% | 2,694 |
| Noninterest expense to average assets | 1.7906% | 4,574 |
| Loan and lease loss provision to assets | 0.9027% | 247 |
| Net operating income to assets | 1.2260% | 1,565 |
| Return on assets (ROA) | 1.2245% | 1,691 |
| Pretax return on assets | 1.2823% | 2,094 |
| Return on Equity (ROE) | 13.0292% | 1,090 |
| Retained earnings to average equity (ytd only) | 9.7992% | 824 |
| Net charge-offs to loans | 0.0304% | 2,114 |
| Credit loss provision to net charge-offs | 3,712.5000% | 296 |
| Earnings coverage of net charge-offs (x) | 89.9219% | 750 |
| Efficiency ratio | 44.8987% | 4,780 |
| Assets per employee ($millions) | 7.6332% | 1,114 |
| Cash dividends to net income (ytd only)* | 24.7906% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 518 |
| Loan loss allowance to noncurrent loans | 225.1025% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6566% | 1,857 |
| Noncurrent loans to loans | 0.8496% | 1,789 |
| Net loans and leases to total assets | 75.7690% | 1,170 |
| Net loans and leases to deposits | 85.7958% | 1,791 |
| Net loans and leases to core deposits | 96.3094% | 1,555 |
| Total domestic deposits to total assets | 88.3131% | 1,034 |
| Equity capital to assets | 9.2304% | 3,896 |
| Core capital (leverage) ratio | 8.4354% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8196% | 3,009 |
| Memoranda: | ||
| Average total assets | $526,406,667 | 1,445 |
| Average earning assets | $499,413,667 | 1,420 |
| Average equity | $49,473,667 | 1,683 |
| Average total loans | $421,058,667 | 1,274 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7645% | 1,517 |
| Cost of funding earning assets | 1.1760% | 831 |
| Net interest margin | 3.5885% | 2,703 |
| Noninterest income to average assets | 0.4665% | 2,718 |
| Noninterest expense to average assets | 1.9241% | 4,516 |
| Loan and lease loss provision to assets | 1.4231% | 114 |
| Net operating income to assets | 0.4924% | 3,912 |
| Return on assets (ROA) | 0.4924% | 3,970 |
| Pretax return on assets | 0.5159% | 4,096 |
| Return on Equity (ROE) | 5.1883% | 3,573 |
| Retained earnings to average equity (ytd only) | 2.3013% | 3,331 |
| Net charge-offs to loans | 0.0519% | 1,491 |
| Credit loss provision to net charge-offs | 3,366.6667% | 234 |
| Earnings coverage of net charge-offs (x) | 45.8704% | 960 |
| Efficiency ratio | 49.6859% | 4,687 |
| Assets per employee ($millions) | 6.9379% | 1,122 |
| Cash dividends to net income (ytd only)* | 55.6439% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7929% | 720 |
| Loan loss allowance to noncurrent loans | 198.8872% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 1.0457% | 1,253 |
| Noncurrent loans to loans | 0.9015% | 1,810 |
| Net loans and leases to total assets | 79.8343% | 715 |
| Net loans and leases to deposits | 90.6142% | 1,442 |
| Net loans and leases to core deposits | 103.4128% | 1,221 |
| Total domestic deposits to total assets | 88.1035% | 1,070 |
| Equity capital to assets | 9.2871% | 4,404 |
| Core capital (leverage) ratio | 8.5996% | 4,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7279% | 3,360 |
| Memoranda: | ||
| Average total assets | $510,998,000 | 1,442 |
| Average earning assets | $483,661,500 | 1,413 |
| Average equity | $48,493,500 | 1,707 |
| Average total loans | $416,370,500 | 1,257 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 1,946 |
| Cost of funding earning assets | 1.2718% | 837 |
| Net interest margin | 3.5607% | 3,250 |
| Noninterest income to average assets | 0.4811% | 2,848 |
| Noninterest expense to average assets | 2.0603% | 4,424 |
| Loan and lease loss provision to assets | 0.3147% | 511 |
| Net operating income to assets | 1.4180% | 1,283 |
| Return on assets (ROA) | 1.4341% | 1,298 |
| Pretax return on assets | 1.5040% | 1,797 |
| Return on Equity (ROE) | 15.2912% | 634 |
| Retained earnings to average equity (ytd only) | 6.2163% | 1,760 |
| Net charge-offs to loans | 0.4820% | 392 |
| Credit loss provision to net charge-offs | 80.9276% | 2,783 |
| Earnings coverage of net charge-offs (x) | 4.6331% | 3,191 |
| Efficiency ratio | 53.1168% | 4,507 |
| Assets per employee ($millions) | 6.5094% | 1,282 |
| Cash dividends to net income (ytd only)* | 59.3472% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 1,326 |
| Loan loss allowance to noncurrent loans | 686.7749% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 2,384 |
| Noncurrent loans to loans | 0.2133% | 3,695 |
| Net loans and leases to total assets | 80.4877% | 725 |
| Net loans and leases to deposits | 91.4678% | 1,433 |
| Net loans and leases to core deposits | 103.0380% | 1,309 |
| Total domestic deposits to total assets | 87.9957% | 1,128 |
| Equity capital to assets | 9.7062% | 4,179 |
| Core capital (leverage) ratio | 8.9770% | 4,546 |
| Tier 1 risk-based capital ratio | 10.0045% | 5,122 |
| Total risk-based capital ratio | 11.2556% | 5,081 |
| Memoranda: | ||
| Average total assets | $493,467,800 | 1,445 |
| Average earning assets | $468,563,000 | 1,419 |
| Average equity | $46,281,600 | 1,712 |
| Average total loans | $398,102,800 | 1,270 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8440% | 1,990 |
| Cost of funding earning assets | 1.2811% | 832 |
| Net interest margin | 3.5629% | 3,361 |
| Noninterest income to average assets | 0.4739% | 2,881 |
| Noninterest expense to average assets | 1.8639% | 4,742 |
| Loan and lease loss provision to assets | 0.3658% | 359 |
| Net operating income to assets | 1.5617% | 1,022 |
| Return on assets (ROA) | 1.5835% | 1,020 |
| Pretax return on assets | 1.6573% | 1,447 |
| Return on Equity (ROE) | 17.0329% | 472 |
| Retained earnings to average equity (ytd only) | 7.8723% | 1,454 |
| Net charge-offs to loans | 0.1069% | 1,396 |
| Credit loss provision to net charge-offs | 425.4717% | 724 |
| Earnings coverage of net charge-offs (x) | 23.2673% | 1,837 |
| Efficiency ratio | 47.9815% | 4,854 |
| Assets per employee ($millions) | 6.6223% | 1,215 |
| Cash dividends to net income (ytd only)* | 53.7819% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8274% | 643 |
| Loan loss allowance to noncurrent loans | 144.5981% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.0278% | 1,298 |
| Noncurrent loans to loans | 1.2638% | 1,237 |
| Net loans and leases to total assets | 79.1859% | 963 |
| Net loans and leases to deposits | 88.5416% | 1,861 |
| Net loans and leases to core deposits | 98.1037% | 1,819 |
| Total domestic deposits to total assets | 89.4335% | 466 |
| Equity capital to assets | 9.6245% | 4,361 |
| Core capital (leverage) ratio | 8.8891% | 4,719 |
| Tier 1 risk-based capital ratio | 10.1075% | 5,175 |
| Total risk-based capital ratio | 11.3626% | 5,103 |
| Memoranda: | ||
| Average total assets | $493,156,250 | 1,451 |
| Average earning assets | $469,265,000 | 1,426 |
| Average equity | $45,847,500 | 1,729 |
| Average total loans | $396,602,500 | 1,285 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 2,019 |
| Cost of funding earning assets | 1.2756% | 800 |
| Net interest margin | 3.5369% | 3,481 |
| Noninterest income to average assets | 0.4817% | 2,770 |
| Noninterest expense to average assets | 1.8643% | 4,801 |
| Loan and lease loss provision to assets | 0.4537% | 265 |
| Net operating income to assets | 1.4616% | 1,258 |
| Return on assets (ROA) | 1.4944% | 1,211 |
| Pretax return on assets | 1.5647% | 1,652 |
| Return on Equity (ROE) | 16.2669% | 552 |
| Retained earnings to average equity (ytd only) | 6.9741% | 1,818 |
| Net charge-offs to loans | 0.1548% | 1,013 |
| Credit loss provision to net charge-offs | 364.7059% | 781 |
| Earnings coverage of net charge-offs (x) | 15.9510% | 1,959 |
| Efficiency ratio | 48.1462% | 4,896 |
| Assets per employee ($millions) | 7.0777% | 966 |
| Cash dividends to net income (ytd only)* | 57.1273% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 708 |
| Loan loss allowance to noncurrent loans | 165.4851% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.8497% | 1,663 |
| Noncurrent loans to loans | 1.0747% | 1,524 |
| Net loans and leases to total assets | 76.9022% | 1,403 |
| Net loans and leases to deposits | 85.5408% | 2,306 |
| Net loans and leases to core deposits | 95.7661% | 2,096 |
| Total domestic deposits to total assets | 89.9012% | 364 |
| Equity capital to assets | 9.1443% | 4,702 |
| Core capital (leverage) ratio | 8.5950% | 4,915 |
| Tier 1 risk-based capital ratio | 9.8125% | 5,250 |
| Total risk-based capital ratio | 11.0668% | 5,212 |
| Memoranda: | ||
| Average total assets | $491,984,330 | 1,454 |
| Average earning assets | $468,318,670 | 1,421 |
| Average equity | $45,196,000 | 1,745 |
| Average total loans | $395,265,000 | 1,291 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7771% | 1,964 |
| Cost of funding earning assets | 1.2511% | 766 |
| Net interest margin | 3.5260% | 3,514 |
| Noninterest income to average assets | 0.4164% | 3,069 |
| Noninterest expense to average assets | 1.8941% | 4,806 |
| Loan and lease loss provision to assets | 0.4396% | 250 |
| Net operating income to assets | 1.3668% | 1,466 |
| Return on assets (ROA) | 1.3668% | 1,509 |
| Pretax return on assets | 1.4330% | 1,980 |
| Return on Equity (ROE) | 14.8423% | 783 |
| Retained earnings to average equity (ytd only) | 5.4029% | 2,736 |
| Net charge-offs to loans | 0.2847% | 519 |
| Credit loss provision to net charge-offs | 189.6429% | 1,083 |
| Earnings coverage of net charge-offs (x) | 8.0786% | 2,099 |
| Efficiency ratio | 49.9341% | 4,832 |
| Assets per employee ($millions) | 6.6740% | 1,158 |
| Cash dividends to net income (ytd only)* | 63.5978% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6311% | 1,007 |
| Loan loss allowance to noncurrent loans | 117.4452% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 1.1557% | 1,175 |
| Noncurrent loans to loans | 1.3888% | 1,164 |
| Net loans and leases to total assets | 78.7593% | 1,024 |
| Net loans and leases to deposits | 87.4572% | 1,944 |
| Net loans and leases to core deposits | 99.2778% | 1,685 |
| Total domestic deposits to total assets | 90.0547% | 427 |
| Equity capital to assets | 9.0171% | 4,670 |
| Core capital (leverage) ratio | 8.6937% | 4,874 |
| Tier 1 risk-based capital ratio | 9.6409% | 5,322 |
| Total risk-based capital ratio | 10.8939% | 5,300 |
| Memoranda: | ||
| Average total assets | $483,179,000 | 1,482 |
| Average earning assets | $459,103,000 | 1,454 |
| Average equity | $44,494,500 | 1,759 |
| Average total loans | $393,404,500 | 1,300 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5498% | 2,296 |
| Cost of funding earning assets | 1.0311% | 666 |
| Net interest margin | 3.5187% | 3,640 |
| Noninterest income to average assets | 0.4767% | 2,962 |
| Noninterest expense to average assets | 2.0004% | 4,750 |
| Loan and lease loss provision to assets | 0.3468% | 445 |
| Net operating income to assets | 1.4259% | 1,344 |
| Return on assets (ROA) | 1.4259% | 1,342 |
| Pretax return on assets | 1.4776% | 1,849 |
| Return on Equity (ROE) | 15.9717% | 638 |
| Retained earnings to average equity (ytd only) | 7.8553% | 1,300 |
| Net charge-offs to loans | 0.3722% | 510 |
| Credit loss provision to net charge-offs | 117.8546% | 2,205 |
| Earnings coverage of net charge-offs (x) | 6.1994% | 3,111 |
| Efficiency ratio | 51.9027% | 4,807 |
| Assets per employee ($millions) | 6.4696% | 1,231 |
| Cash dividends to net income (ytd only)* | 50.8172% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6283% | 969 |
| Loan loss allowance to noncurrent loans | 368.4642% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 3,053 |
| Noncurrent loans to loans | 0.4419% | 2,956 |
| Net loans and leases to total assets | 81.5263% | 726 |
| Net loans and leases to deposits | 92.4730% | 1,481 |
| Net loans and leases to core deposits | 102.6884% | 1,525 |
| Total domestic deposits to total assets | 88.1623% | 1,227 |
| Equity capital to assets | 9.4146% | 4,201 |
| Core capital (leverage) ratio | 8.9993% | 4,657 |
| Tier 1 risk-based capital ratio | 9.9635% | 5,315 |
| Total risk-based capital ratio | 11.2167% | 5,267 |
| Memoranda: | ||
| Average total assets | $471,996,400 | 1,483 |
| Average earning assets | $449,114,800 | 1,450 |
| Average equity | $42,137,000 | 1,778 |
| Average total loans | $373,175,000 | 1,327 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 2,368 |
| Cost of funding earning assets | 1.0026% | 589 |
| Net interest margin | 3.4752% | 3,780 |
| Noninterest income to average assets | 0.4609% | 3,092 |
| Noninterest expense to average assets | 1.7786% | 5,057 |
| Loan and lease loss provision to assets | 0.3731% | 351 |
| Net operating income to assets | 1.5621% | 1,042 |
| Return on assets (ROA) | 1.5621% | 1,045 |
| Pretax return on assets | 1.6187% | 1,517 |
| Return on Equity (ROE) | 17.7357% | 459 |
| Retained earnings to average equity (ytd only) | 9.5359% | 1,042 |
| Net charge-offs to loans | 0.4458% | 354 |
| Credit loss provision to net charge-offs | 107.1140% | 2,155 |
| Earnings coverage of net charge-offs (x) | 5.7187% | 2,942 |
| Efficiency ratio | 46.7777% | 5,113 |
| Assets per employee ($millions) | 6.5621% | 1,156 |
| Cash dividends to net income (ytd only)* | 46.2328% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 909 |
| Loan loss allowance to noncurrent loans | 252.2026% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.5342% | 2,600 |
| Noncurrent loans to loans | 0.6656% | 2,414 |
| Net loans and leases to total assets | 77.0164% | 1,500 |
| Net loans and leases to deposits | 85.3883% | 2,433 |
| Net loans and leases to core deposits | 95.2637% | 2,188 |
| Total domestic deposits to total assets | 90.1956% | 439 |
| Equity capital to assets | 9.2494% | 4,321 |
| Core capital (leverage) ratio | 8.8222% | 4,871 |
| Tier 1 risk-based capital ratio | 10.4397% | 5,256 |
| Total risk-based capital ratio | 11.6933% | 5,174 |
| Memoranda: | ||
| Average total assets | $473,543,250 | 1,483 |
| Average earning assets | $450,957,500 | 1,451 |
| Average equity | $41,707,750 | 1,802 |
| Average total loans | $369,958,000 | 1,339 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4307% | 2,318 |
| Cost of funding earning assets | 0.9712% | 535 |
| Net interest margin | 3.4594% | 3,771 |
| Noninterest income to average assets | 0.4356% | 3,250 |
| Noninterest expense to average assets | 1.7761% | 5,122 |
| Loan and lease loss provision to assets | 0.4302% | 271 |
| Net operating income to assets | 1.4720% | 1,220 |
| Return on assets (ROA) | 1.4720% | 1,221 |
| Pretax return on assets | 1.5258% | 1,726 |
| Return on Equity (ROE) | 16.9909% | 525 |
| Retained earnings to average equity (ytd only) | 8.6991% | 1,325 |
| Net charge-offs to loans | 0.5931% | 252 |
| Credit loss provision to net charge-offs | 92.9220% | 2,133 |
| Earnings coverage of net charge-offs (x) | 4.2250% | 2,807 |
| Efficiency ratio | 47.1860% | 5,160 |
| Assets per employee ($millions) | 6.7011% | 1,077 |
| Cash dividends to net income (ytd only)* | 48.8014% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 1,020 |
| Loan loss allowance to noncurrent loans | 244.5630% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.5273% | 2,652 |
| Noncurrent loans to loans | 0.6679% | 2,441 |
| Net loans and leases to total assets | 75.4330% | 1,731 |
| Net loans and leases to deposits | 83.2078% | 2,623 |
| Net loans and leases to core deposits | 93.5082% | 2,266 |
| Total domestic deposits to total assets | 90.6561% | 347 |
| Equity capital to assets | 8.8289% | 4,697 |
| Core capital (leverage) ratio | 8.0665% | 5,325 |
| Tier 1 risk-based capital ratio | 10.1928% | 5,378 |
| Total risk-based capital ratio | 11.4459% | 5,304 |
| Memoranda: | ||
| Average total assets | $476,087,330 | 1,481 |
| Average earning assets | $453,657,330 | 1,440 |
| Average equity | $41,245,670 | 1,817 |
| Average total loans | $371,626,000 | 1,334 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2967% | 2,526 |
| Cost of funding earning assets | 0.9068% | 575 |
| Net interest margin | 3.3900% | 3,914 |
| Noninterest income to average assets | 0.4401% | 3,180 |
| Noninterest expense to average assets | 1.7865% | 5,167 |
| Loan and lease loss provision to assets | 0.6064% | 168 |
| Net operating income to assets | 1.2338% | 1,876 |
| Return on assets (ROA) | 1.2338% | 1,886 |
| Pretax return on assets | 1.2783% | 2,440 |
| Return on Equity (ROE) | 14.3789% | 933 |
| Retained earnings to average equity (ytd only) | 6.0100% | 2,701 |
| Net charge-offs to loans | 0.0373% | 1,776 |
| Credit loss provision to net charge-offs | 2,062.8571% | 185 |
| Earnings coverage of net charge-offs (x) | 64.1143% | 808 |
| Efficiency ratio | 48.2498% | 5,183 |
| Assets per employee ($millions) | 6.6154% | 1,139 |
| Cash dividends to net income (ytd only)* | 58.2029% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7632% | 841 |
| Loan loss allowance to noncurrent loans | 125.6305% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.1266% | 1,376 |
| Noncurrent loans to loans | 1.4035% | 1,271 |
| Net loans and leases to total assets | 78.6621% | 1,134 |
| Net loans and leases to deposits | 86.5562% | 2,095 |
| Net loans and leases to core deposits | 97.7238% | 1,850 |
| Total domestic deposits to total assets | 90.8797% | 357 |
| Equity capital to assets | 8.5858% | 4,909 |
| Core capital (leverage) ratio | 8.2135% | 5,306 |
| Tier 1 risk-based capital ratio | 9.5487% | 5,550 |
| Total risk-based capital ratio | 10.8036% | 5,536 |
| Memoranda: | ||
| Average total assets | $476,243,000 | 1,487 |
| Average earning assets | $453,928,000 | 1,448 |
| Average equity | $40,865,500 | 1,833 |
| Average total loans | $375,013,000 | 1,326 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 2,533 |
| Cost of funding earning assets | 0.8521% | 478 |
| Net interest margin | 3.3890% | 3,884 |
| Noninterest income to average assets | 0.4474% | 3,328 |
| Noninterest expense to average assets | 1.8888% | 5,129 |
| Loan and lease loss provision to assets | 0.5526% | 238 |
| Net operating income to assets | 1.1610% | 1,643 |
| Return on assets (ROA) | 1.1610% | 1,673 |
| Pretax return on assets | 1.2291% | 2,645 |
| Return on Equity (ROE) | 13.2889% | 887 |
| Retained earnings to average equity (ytd only) | 2.5887% | 3,772 |
| Net charge-offs to loans | 0.3401% | 750 |
| Credit loss provision to net charge-offs | 206.5270% | 1,325 |
| Earnings coverage of net charge-offs (x) | 6.6591% | 3,154 |
| Efficiency ratio | 51.0015% | 5,168 |
| Assets per employee ($millions) | 6.6135% | 1,140 |
| Cash dividends to net income (ytd only)* | 80.5200% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 1,057 |
| Loan loss allowance to noncurrent loans | 148.2809% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.8965% | 1,733 |
| Noncurrent loans to loans | 1.1046% | 1,604 |
| Net loans and leases to total assets | 76.1457% | 1,564 |
| Net loans and leases to deposits | 83.7140% | 2,524 |
| Net loans and leases to core deposits | 96.1450% | 2,010 |
| Total domestic deposits to total assets | 90.9594% | 248 |
| Equity capital to assets | 8.5758% | 5,061 |
| Core capital (leverage) ratio | 8.2773% | 5,299 |
| Tier 1 risk-based capital ratio | 9.5328% | 5,601 |
| Total risk-based capital ratio | 10.7860% | 5,579 |
| Memoranda: | ||
| Average total assets | $463,834,600 | 1,500 |
| Average earning assets | $441,133,200 | 1,463 |
| Average equity | $40,522,600 | 1,841 |
| Average total loans | $364,895,400 | 1,323 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2439% | 2,455 |
| Cost of funding earning assets | 0.8429% | 468 |
| Net interest margin | 3.4010% | 3,848 |
| Noninterest income to average assets | 0.4448% | 3,373 |
| Noninterest expense to average assets | 1.7273% | 5,345 |
| Loan and lease loss provision to assets | 0.6679% | 169 |
| Net operating income to assets | 1.1998% | 1,691 |
| Return on assets (ROA) | 1.1998% | 1,727 |
| Pretax return on assets | 1.2851% | 2,569 |
| Return on Equity (ROE) | 13.6679% | 899 |
| Retained earnings to average equity (ytd only) | 5.7296% | 2,412 |
| Net charge-offs to loans | -0.1242% | 5,434 |
| Credit loss provision to net charge-offs | -680.8260% | 4,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4774% | 5,404 |
| Assets per employee ($millions) | 6.6413% | 1,105 |
| Cash dividends to net income (ytd only)* | 58.0802% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0319% | 544 |
| Loan loss allowance to noncurrent loans | 156.4266% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.0581% | 1,585 |
| Noncurrent loans to loans | 1.2989% | 1,471 |
| Net loans and leases to total assets | 76.3632% | 1,525 |
| Net loans and leases to deposits | 84.1900% | 2,538 |
| Net loans and leases to core deposits | 97.2867% | 1,947 |
| Total domestic deposits to total assets | 90.7035% | 259 |
| Equity capital to assets | 8.9866% | 4,925 |
| Core capital (leverage) ratio | 8.6615% | 5,100 |
| Tier 1 risk-based capital ratio | 10.0098% | 5,598 |
| Total risk-based capital ratio | 11.2678% | 5,553 |
| Memoranda: | ||
| Average total assets | $460,749,500 | 1,520 |
| Average earning assets | $438,332,000 | 1,488 |
| Average equity | $40,444,250 | 1,854 |
| Average total loans | $363,963,000 | 1,343 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 2,308 |
| Cost of funding earning assets | 0.8333% | 438 |
| Net interest margin | 3.4124% | 3,731 |
| Noninterest income to average assets | 0.4367% | 3,444 |
| Noninterest expense to average assets | 1.7263% | 5,388 |
| Loan and lease loss provision to assets | 0.8938% | 107 |
| Net operating income to assets | 0.9770% | 2,540 |
| Return on assets (ROA) | 0.9770% | 2,587 |
| Pretax return on assets | 1.0632% | 3,325 |
| Return on Equity (ROE) | 11.2201% | 1,561 |
| Retained earnings to average equity (ytd only) | 3.4550% | 3,652 |
| Net charge-offs to loans | 0.0466% | 2,284 |
| Credit loss provision to net charge-offs | 2,415.2941% | 174 |
| Earnings coverage of net charge-offs (x) | 52.8824% | 1,034 |
| Efficiency ratio | 46.4066% | 5,452 |
| Assets per employee ($millions) | 6.5781% | 1,111 |
| Cash dividends to net income (ytd only)* | 69.2068% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 842 |
| Loan loss allowance to noncurrent loans | 150.6084% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.9928% | 1,765 |
| Noncurrent loans to loans | 1.2120% | 1,609 |
| Net loans and leases to total assets | 76.9730% | 1,385 |
| Net loans and leases to deposits | 84.6028% | 2,392 |
| Net loans and leases to core deposits | 97.2013% | 1,873 |
| Total domestic deposits to total assets | 90.9816% | 228 |
| Equity capital to assets | 8.7197% | 5,124 |
| Core capital (leverage) ratio | 8.2468% | 5,396 |
| Tier 1 risk-based capital ratio | 9.6012% | 5,697 |
| Total risk-based capital ratio | 10.8565% | 5,676 |
| Memoranda: | ||
| Average total assets | $459,368,000 | 1,532 |
| Average earning assets | $437,048,000 | 1,498 |
| Average equity | $39,999,670 | 1,871 |
| Average total loans | $364,493,670 | 1,342 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 2,410 |
| Cost of funding earning assets | 0.8212% | 436 |
| Net interest margin | 3.3432% | 3,865 |
| Noninterest income to average assets | 0.4171% | 3,549 |
| Noninterest expense to average assets | 1.7817% | 5,404 |
| Loan and lease loss provision to assets | 0.4812% | 215 |
| Net operating income to assets | 1.2724% | 1,316 |
| Return on assets (ROA) | 1.2724% | 1,349 |
| Pretax return on assets | 1.3321% | 2,128 |
| Return on Equity (ROE) | 14.6227% | 697 |
| Retained earnings to average equity (ytd only) | 0.2119% | 4,864 |
| Net charge-offs to loans | 0.0154% | 2,494 |
| Credit loss provision to net charge-offs | 3,914.2857% | 79 |
| Earnings coverage of net charge-offs (x) | 147.5000% | 370 |
| Efficiency ratio | 49.0718% | 5,419 |
| Assets per employee ($millions) | 6.9963% | 957 |
| Cash dividends to net income (ytd only)* | 98.5507% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 1,982 |
| Loan loss allowance to noncurrent loans | 1,195.8998% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1361% | 4,718 |
| Noncurrent loans to loans | 0.1189% | 4,715 |
| Net loans and leases to total assets | 77.6136% | 1,179 |
| Net loans and leases to deposits | 85.0952% | 2,152 |
| Net loans and leases to core deposits | 98.4710% | 1,621 |
| Total domestic deposits to total assets | 91.2080% | 239 |
| Equity capital to assets | 8.4868% | 5,250 |
| Core capital (leverage) ratio | 8.2213% | 5,429 |
| Tier 1 risk-based capital ratio | 9.2843% | 5,791 |
| Total risk-based capital ratio | 10.5350% | 5,784 |
| Memoranda: | ||
| Average total assets | $455,528,500 | 1,553 |
| Average earning assets | $433,000,000 | 1,511 |
| Average equity | $39,637,000 | 1,880 |
| Average total loans | $363,648,500 | 1,347 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 2,315 |
| Cost of funding earning assets | 0.8235% | 447 |
| Net interest margin | 3.4264% | 3,725 |
| Noninterest income to average assets | 0.4638% | 3,460 |
| Noninterest expense to average assets | 1.9759% | 5,235 |
| Loan and lease loss provision to assets | 0.5882% | 221 |
| Net operating income to assets | 1.1081% | 1,867 |
| Return on assets (ROA) | 1.1195% | 1,907 |
| Pretax return on assets | 1.1661% | 2,825 |
| Return on Equity (ROE) | 12.4240% | 1,136 |
| Retained earnings to average equity (ytd only) | 6.6210% | 1,398 |
| Net charge-offs to loans | 0.4477% | 568 |
| Credit loss provision to net charge-offs | 161.3477% | 1,714 |
| Earnings coverage of net charge-offs (x) | 4.7794% | 3,447 |
| Efficiency ratio | 52.6148% | 5,339 |
| Assets per employee ($millions) | 6.2296% | 1,312 |
| Cash dividends to net income (ytd only)* | 46.7081% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 2,451 |
| Loan loss allowance to noncurrent loans | 795.2782% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 4,492 |
| Noncurrent loans to loans | 0.1655% | 4,569 |
| Net loans and leases to total assets | 79.9258% | 904 |
| Net loans and leases to deposits | 88.0281% | 1,923 |
| Net loans and leases to core deposits | 103.3576% | 1,335 |
| Total domestic deposits to total assets | 90.7957% | 349 |
| Equity capital to assets | 8.9287% | 4,883 |
| Core capital (leverage) ratio | 8.3195% | 5,424 |
| Tier 1 risk-based capital ratio | 9.4659% | 5,821 |
| Total risk-based capital ratio | 10.6634% | 5,823 |
| Memoranda: | ||
| Average total assets | $431,451,800 | 1,576 |
| Average earning assets | $409,816,600 | 1,534 |
| Average equity | $38,876,400 | 1,884 |
| Average total loans | $351,384,600 | 1,335 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 2,386 |
| Cost of funding earning assets | 0.8099% | 480 |
| Net interest margin | 3.4273% | 3,746 |
| Noninterest income to average assets | 0.4702% | 3,426 |
| Noninterest expense to average assets | 1.8522% | 5,457 |
| Loan and lease loss provision to assets | 0.6002% | 194 |
| Net operating income to assets | 1.2265% | 1,533 |
| Return on assets (ROA) | 1.2418% | 1,587 |
| Pretax return on assets | 1.2934% | 2,451 |
| Return on Equity (ROE) | 13.7488% | 868 |
| Retained earnings to average equity (ytd only) | 7.0827% | 1,583 |
| Net charge-offs to loans | 0.0801% | 2,179 |
| Credit loss provision to net charge-offs | 919.0476% | 442 |
| Earnings coverage of net charge-offs (x) | 28.7527% | 1,531 |
| Efficiency ratio | 49.1329% | 5,549 |
| Assets per employee ($millions) | 6.3628% | 1,201 |
| Cash dividends to net income (ytd only)* | 48.4848% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 1,632 |
| Loan loss allowance to noncurrent loans | 980.4659% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 4,759 |
| Noncurrent loans to loans | 0.1572% | 4,724 |
| Net loans and leases to total assets | 79.6116% | 943 |
| Net loans and leases to deposits | 87.9084% | 2,027 |
| Net loans and leases to core deposits | 103.9366% | 1,345 |
| Total domestic deposits to total assets | 90.5620% | 306 |
| Equity capital to assets | 9.1210% | 5,050 |
| Core capital (leverage) ratio | 8.5615% | 5,304 |
| Tier 1 risk-based capital ratio | 9.4808% | 5,882 |
| Total risk-based capital ratio | 10.7328% | 5,869 |
| Memoranda: | ||
| Average total assets | $428,739,000 | 1,583 |
| Average earning assets | $407,770,500 | 1,538 |
| Average equity | $38,722,500 | 1,903 |
| Average total loans | $349,673,250 | 1,340 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 2,347 |
| Cost of funding earning assets | 0.8051% | 482 |
| Net interest margin | 3.4407% | 3,724 |
| Noninterest income to average assets | 0.4665% | 3,424 |
| Noninterest expense to average assets | 1.8946% | 5,459 |
| Loan and lease loss provision to assets | 0.7214% | 152 |
| Net operating income to assets | 1.0792% | 2,044 |
| Return on assets (ROA) | 1.0900% | 2,122 |
| Pretax return on assets | 1.1356% | 3,057 |
| Return on Equity (ROE) | 12.1101% | 1,276 |
| Retained earnings to average equity (ytd only) | 6.6611% | 1,778 |
| Net charge-offs to loans | 0.0322% | 2,816 |
| Credit loss provision to net charge-offs | 2,739.2857% | 163 |
| Earnings coverage of net charge-offs (x) | 70.0893% | 775 |
| Efficiency ratio | 50.1257% | 5,553 |
| Assets per employee ($millions) | 6.1380% | 1,309 |
| Cash dividends to net income (ytd only)* | 44.9957% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 1,906 |
| Loan loss allowance to noncurrent loans | 855.8101% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 4,887 |
| Noncurrent loans to loans | 0.1738% | 4,738 |
| Net loans and leases to total assets | 80.5961% | 813 |
| Net loans and leases to deposits | 89.0338% | 1,862 |
| Net loans and leases to core deposits | 101.9715% | 1,473 |
| Total domestic deposits to total assets | 90.5231% | 311 |
| Equity capital to assets | 9.1657% | 5,099 |
| Core capital (leverage) ratio | 8.3693% | 5,472 |
| Tier 1 risk-based capital ratio | 9.4535% | 5,956 |
| Total risk-based capital ratio | 10.7050% | 5,939 |
| Memoranda: | ||
| Average total assets | $425,307,670 | 1,594 |
| Average earning assets | $404,686,000 | 1,553 |
| Average equity | $38,282,000 | 1,925 |
| Average total loans | $347,900,330 | 1,343 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 2,419 |
| Cost of funding earning assets | 0.7863% | 529 |
| Net interest margin | 3.4277% | 3,775 |
| Noninterest income to average assets | 0.4349% | 3,578 |
| Noninterest expense to average assets | 2.0098% | 5,311 |
| Loan and lease loss provision to assets | 0.1910% | 1,036 |
| Net operating income to assets | 1.4340% | 975 |
| Return on assets (ROA) | 1.4558% | 972 |
| Pretax return on assets | 1.5163% | 1,534 |
| Return on Equity (ROE) | 16.3254% | 501 |
| Retained earnings to average equity (ytd only) | 6.8588% | 1,957 |
| Net charge-offs to loans | 0.0381% | 2,229 |
| Credit loss provision to net charge-offs | 612.1212% | 520 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 834 |
| Efficiency ratio | 53.8639% | 5,395 |
| Assets per employee ($millions) | 6.4130% | 1,154 |
| Cash dividends to net income (ytd only)* | 57.9870% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 4,008 |
| Loan loss allowance to noncurrent loans | 625.1994% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 4,992 |
| Noncurrent loans to loans | 0.1771% | 4,775 |
| Net loans and leases to total assets | 81.4969% | 630 |
| Net loans and leases to deposits | 89.8802% | 1,589 |
| Net loans and leases to core deposits | 102.6528% | 1,287 |
| Total domestic deposits to total assets | 90.6728% | 371 |
| Equity capital to assets | 8.9951% | 5,173 |
| Core capital (leverage) ratio | 8.5786% | 5,313 |
| Tier 1 risk-based capital ratio | 9.1967% | 6,046 |
| Total risk-based capital ratio | 10.2176% | 6,053 |
| Memoranda: | ||
| Average total assets | $423,133,000 | 1,604 |
| Average earning assets | $402,367,000 | 1,559 |
| Average equity | $37,732,500 | 1,951 |
| Average total loans | $346,092,500 | 1,344 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 2,796 |
| Cost of funding earning assets | 0.7841% | 538 |
| Net interest margin | 3.3486% | 4,119 |
| Noninterest income to average assets | 0.4270% | 3,836 |
| Noninterest expense to average assets | 1.9822% | 5,493 |
| Loan and lease loss provision to assets | 0.1330% | 1,794 |
| Net operating income to assets | 1.4073% | 1,027 |
| Return on assets (ROA) | 1.4073% | 1,070 |
| Pretax return on assets | 1.4815% | 1,613 |
| Return on Equity (ROE) | 15.6091% | 597 |
| Retained earnings to average equity (ytd only) | 5.6670% | 1,974 |
| Net charge-offs to loans | 0.0546% | 3,114 |
| Credit loss provision to net charge-offs | 305.1429% | 971 |
| Earnings coverage of net charge-offs (x) | 37.0514% | 1,247 |
| Efficiency ratio | 54.8840% | 5,455 |
| Assets per employee ($millions) | 6.2179% | 1,246 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,995 |
| Loan loss allowance to noncurrent loans | 350.5607% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 4,564 |
| Noncurrent loans to loans | 0.3165% | 4,329 |
| Net loans and leases to total assets | 80.2567% | 813 |
| Net loans and leases to deposits | 88.3387% | 1,831 |
| Net loans and leases to core deposits | 99.9519% | 1,496 |
| Total domestic deposits to total assets | 90.8511% | 319 |
| Equity capital to assets | 8.8373% | 5,275 |
| Core capital (leverage) ratio | 8.4197% | 5,507 |
| Tier 1 risk-based capital ratio | 9.0038% | 6,104 |
| Total risk-based capital ratio | 10.0053% | 6,114 |
| Memoranda: | ||
| Average total assets | $401,628,000 | 1,644 |
| Average earning assets | $380,161,000 | 1,607 |
| Average equity | $36,209,600 | 1,969 |
| Average total loans | $320,776,800 | 1,384 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 2,760 |
| Cost of funding earning assets | 0.7791% | 565 |
| Net interest margin | 3.3682% | 4,086 |
| Noninterest income to average assets | 0.4286% | 3,877 |
| Noninterest expense to average assets | 1.6963% | 5,903 |
| Loan and lease loss provision to assets | 0.1344% | 1,674 |
| Net operating income to assets | 1.6956% | 631 |
| Return on assets (ROA) | 1.6956% | 653 |
| Pretax return on assets | 1.7851% | 925 |
| Return on Equity (ROE) | 18.7101% | 355 |
| Retained earnings to average equity (ytd only) | 8.7265% | 994 |
| Net charge-offs to loans | 0.0480% | 2,932 |
| Credit loss provision to net charge-offs | 351.7544% | 837 |
| Earnings coverage of net charge-offs (x) | 50.2443% | 1,047 |
| Efficiency ratio | 46.6821% | 5,934 |
| Assets per employee ($millions) | 6.3534% | 1,147 |
| Cash dividends to net income (ytd only)* | 53.3597% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 3,956 |
| Loan loss allowance to noncurrent loans | 708.8632% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 5,190 |
| Noncurrent loans to loans | 0.1616% | 5,002 |
| Net loans and leases to total assets | 79.3022% | 909 |
| Net loans and leases to deposits | 87.7789% | 1,932 |
| Net loans and leases to core deposits | 99.4162% | 1,565 |
| Total domestic deposits to total assets | 90.3431% | 450 |
| Equity capital to assets | 9.3286% | 4,971 |
| Core capital (leverage) ratio | 8.8597% | 5,170 |
| Tier 1 risk-based capital ratio | 9.9583% | 6,053 |
| Total risk-based capital ratio | 10.9999% | 6,066 |
| Memoranda: | ||
| Average total assets | $397,885,500 | 1,670 |
| Average earning assets | $376,491,250 | 1,627 |
| Average equity | $36,058,000 | 1,990 |
| Average total loans | $316,446,250 | 1,406 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 2,818 |
| Cost of funding earning assets | 0.7650% | 598 |
| Net interest margin | 3.3575% | 4,068 |
| Noninterest income to average assets | 0.4125% | 3,990 |
| Noninterest expense to average assets | 1.7109% | 5,955 |
| Loan and lease loss provision to assets | 0.1345% | 1,631 |
| Net operating income to assets | 1.6581% | 675 |
| Return on assets (ROA) | 1.6581% | 702 |
| Pretax return on assets | 1.7457% | 992 |
| Return on Equity (ROE) | 18.4783% | 380 |
| Retained earnings to average equity (ytd only) | 8.3747% | 1,128 |
| Net charge-offs to loans | 0.0445% | 2,809 |
| Credit loss provision to net charge-offs | 381.4286% | 773 |
| Earnings coverage of net charge-offs (x) | 53.3286% | 911 |
| Efficiency ratio | 47.4194% | 5,986 |
| Assets per employee ($millions) | 6.2189% | 1,205 |
| Cash dividends to net income (ytd only)* | 54.6780% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 4,111 |
| Loan loss allowance to noncurrent loans | 599.1653% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 5,223 |
| Noncurrent loans to loans | 0.1911% | 5,012 |
| Net loans and leases to total assets | 77.8557% | 1,089 |
| Net loans and leases to deposits | 85.9686% | 2,058 |
| Net loans and leases to core deposits | 99.5451% | 1,528 |
| Total domestic deposits to total assets | 90.5630% | 431 |
| Equity capital to assets | 9.1410% | 5,095 |
| Core capital (leverage) ratio | 8.6365% | 5,388 |
| Tier 1 risk-based capital ratio | 9.6339% | 6,177 |
| Total risk-based capital ratio | 10.6419% | 6,199 |
| Memoranda: | ||
| Average total assets | $397,092,330 | 1,686 |
| Average earning assets | $375,934,330 | 1,641 |
| Average equity | $35,631,000 | 2,016 |
| Average total loans | $314,895,670 | 1,416 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 2,910 |
| Cost of funding earning assets | 0.7505% | 655 |
| Net interest margin | 3.3311% | 4,089 |
| Noninterest income to average assets | 0.3641% | 4,295 |
| Noninterest expense to average assets | 1.7205% | 5,990 |
| Loan and lease loss provision to assets | 0.1351% | 1,531 |
| Net operating income to assets | 1.5813% | 731 |
| Return on assets (ROA) | 1.5813% | 768 |
| Pretax return on assets | 1.6640% | 1,129 |
| Return on Equity (ROE) | 17.7901% | 404 |
| Retained earnings to average equity (ytd only) | 7.5790% | 1,729 |
| Net charge-offs to loans | 0.0063% | 3,112 |
| Credit loss provision to net charge-offs | 2,680.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 356.8000% | 159 |
| Efficiency ratio | 48.6533% | 5,989 |
| Assets per employee ($millions) | 6.3743% | 1,153 |
| Cash dividends to net income (ytd only)* | 57.3980% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 4,461 |
| Loan loss allowance to noncurrent loans | 765.4348% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 5,384 |
| Noncurrent loans to loans | 0.1450% | 5,261 |
| Net loans and leases to total assets | 78.1085% | 908 |
| Net loans and leases to deposits | 85.9939% | 1,834 |
| Net loans and leases to core deposits | 100.4847% | 1,286 |
| Total domestic deposits to total assets | 90.8302% | 419 |
| Equity capital to assets | 8.8837% | 5,408 |
| Core capital (leverage) ratio | 8.5251% | 5,498 |
| Tier 1 risk-based capital ratio | 9.2504% | 6,294 |
| Total risk-based capital ratio | 10.2234% | 6,311 |
| Memoranda: | ||
| Average total assets | $396,634,500 | 1,686 |
| Average earning assets | $375,727,500 | 1,644 |
| Average equity | $35,255,500 | 2,053 |
| Average total loans | $315,613,000 | 1,417 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3023% | 2,600 |
| Cost of funding earning assets | 0.7456% | 865 |
| Net interest margin | 3.5567% | 3,571 |
| Noninterest income to average assets | 0.5094% | 3,436 |
| Noninterest expense to average assets | 2.0500% | 5,673 |
| Loan and lease loss provision to assets | 0.1796% | 1,431 |
| Net operating income to assets | 1.5550% | 788 |
| Return on assets (ROA) | 1.5553% | 817 |
| Pretax return on assets | 1.6371% | 1,133 |
| Return on Equity (ROE) | 16.8087% | 511 |
| Retained earnings to average equity (ytd only) | 6.9108% | 1,446 |
| Net charge-offs to loans | 0.1061% | 2,995 |
| Credit loss provision to net charge-offs | 207.2327% | 1,193 |
| Earnings coverage of net charge-offs (x) | 20.9560% | 1,704 |
| Efficiency ratio | 52.7882% | 5,928 |
| Assets per employee ($millions) | 6.2173% | 1,235 |
| Cash dividends to net income (ytd only)* | 58.8854% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 4,639 |
| Loan loss allowance to noncurrent loans | 437.1134% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 5,050 |
| Noncurrent loans to loans | 0.2471% | 4,943 |
| Net loans and leases to total assets | 79.3091% | 839 |
| Net loans and leases to deposits | 87.3290% | 1,809 |
| Net loans and leases to core deposits | 102.4622% | 1,209 |
| Total domestic deposits to total assets | 90.8164% | 423 |
| Equity capital to assets | 8.8938% | 5,386 |
| Core capital (leverage) ratio | 8.6675% | 5,370 |
| Tier 1 risk-based capital ratio | 9.5077% | 6,350 |
| Total risk-based capital ratio | 10.4935% | 6,364 |
| Memoranda: | ||
| Average total assets | $366,875,200 | 1,769 |
| Average earning assets | $346,276,200 | 1,728 |
| Average equity | $33,946,800 | 2,056 |
| Average total loans | $299,847,800 | 1,429 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 2,464 |
| Cost of funding earning assets | 0.7420% | 936 |
| Net interest margin | 3.5962% | 3,442 |
| Noninterest income to average assets | 0.5161% | 3,439 |
| Noninterest expense to average assets | 1.8295% | 6,051 |
| Loan and lease loss provision to assets | 0.1896% | 1,283 |
| Net operating income to assets | 1.8007% | 514 |
| Return on assets (ROA) | 1.8007% | 524 |
| Pretax return on assets | 1.8957% | 725 |
| Return on Equity (ROE) | 19.2575% | 325 |
| Retained earnings to average equity (ytd only) | 9.2947% | 899 |
| Net charge-offs to loans | 0.1255% | 2,540 |
| Credit loss provision to net charge-offs | 183.8710% | 1,360 |
| Earnings coverage of net charge-offs (x) | 20.2187% | 1,744 |
| Efficiency ratio | 46.5156% | 6,268 |
| Assets per employee ($millions) | 5.8777% | 1,428 |
| Cash dividends to net income (ytd only)* | 51.7349% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 4,805 |
| Loan loss allowance to noncurrent loans | 437.4168% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 5,377 |
| Noncurrent loans to loans | 0.2489% | 5,156 |
| Net loans and leases to total assets | 80.6085% | 648 |
| Net loans and leases to deposits | 89.2925% | 1,510 |
| Net loans and leases to core deposits | 104.3960% | 1,079 |
| Total domestic deposits to total assets | 90.2747% | 620 |
| Equity capital to assets | 9.4420% | 4,870 |
| Core capital (leverage) ratio | 9.0369% | 5,025 |
| Tier 1 risk-based capital ratio | 9.8193% | 6,383 |
| Total risk-based capital ratio | 10.8054% | 6,401 |
| Memoranda: | ||
| Average total assets | $360,671,750 | 1,818 |
| Average earning assets | $340,868,000 | 1,761 |
| Average equity | $33,724,500 | 2,069 |
| Average total loans | $296,300,500 | 1,447 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 2,513 |
| Cost of funding earning assets | 0.7352% | 991 |
| Net interest margin | 3.5868% | 3,421 |
| Noninterest income to average assets | 0.5047% | 3,450 |
| Noninterest expense to average assets | 1.8357% | 6,096 |
| Loan and lease loss provision to assets | 0.2098% | 1,132 |
| Net operating income to assets | 1.7518% | 533 |
| Return on assets (ROA) | 1.7518% | 560 |
| Pretax return on assets | 1.8441% | 767 |
| Return on Equity (ROE) | 18.7982% | 381 |
| Retained earnings to average equity (ytd only) | 8.7117% | 1,073 |
| Net charge-offs to loans | 0.1902% | 1,888 |
| Credit loss provision to net charge-offs | 133.9286% | 1,579 |
| Earnings coverage of net charge-offs (x) | 13.1107% | 1,999 |
| Efficiency ratio | 46.9649% | 6,327 |
| Assets per employee ($millions) | 5.7931% | 1,434 |
| Cash dividends to net income (ytd only)* | 53.6570% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 5,167 |
| Loan loss allowance to noncurrent loans | 417.2414% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 5,476 |
| Noncurrent loans to loans | 0.2485% | 5,262 |
| Net loans and leases to total assets | 82.2606% | 449 |
| Net loans and leases to deposits | 91.0763% | 1,265 |
| Net loans and leases to core deposits | 104.5326% | 984 |
| Total domestic deposits to total assets | 90.3205% | 651 |
| Equity capital to assets | 9.3411% | 4,933 |
| Core capital (leverage) ratio | 8.7860% | 5,283 |
| Tier 1 risk-based capital ratio | 9.3282% | 6,511 |
| Total risk-based capital ratio | 10.2510% | 6,529 |
| Memoranda: | ||
| Average total assets | $357,465,000 | 1,835 |
| Average earning assets | $337,344,330 | 1,783 |
| Average equity | $33,311,670 | 2,078 |
| Average total loans | $294,476,670 | 1,453 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2733% | 2,621 |
| Cost of funding earning assets | 0.7218% | 1,116 |
| Net interest margin | 3.5515% | 3,476 |
| Noninterest income to average assets | 0.4648% | 3,671 |
| Noninterest expense to average assets | 1.8738% | 6,104 |
| Loan and lease loss provision to assets | 0.1561% | 1,554 |
| Net operating income to assets | 1.6952% | 583 |
| Return on assets (ROA) | 1.6952% | 598 |
| Pretax return on assets | 1.7845% | 820 |
| Return on Equity (ROE) | 18.2130% | 427 |
| Retained earnings to average equity (ytd only) | 8.0069% | 1,591 |
| Net charge-offs to loans | 0.0621% | 2,539 |
| Credit loss provision to net charge-offs | 306.6667% | 785 |
| Earnings coverage of net charge-offs (x) | 38.1333% | 908 |
| Efficiency ratio | 48.8882% | 6,319 |
| Assets per employee ($millions) | 5.8289% | 1,429 |
| Cash dividends to net income (ytd only)* | 56.0374% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 5,315 |
| Loan loss allowance to noncurrent loans | 333.0508% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 5,388 |
| Noncurrent loans to loans | 0.3153% | 5,158 |
| Net loans and leases to total assets | 80.6681% | 485 |
| Net loans and leases to deposits | 90.0048% | 1,150 |
| Net loans and leases to core deposits | 101.1241% | 1,028 |
| Total domestic deposits to total assets | 89.6264% | 1,297 |
| Equity capital to assets | 9.0596% | 5,043 |
| Core capital (leverage) ratio | 8.8804% | 5,163 |
| Tier 1 risk-based capital ratio | 9.3866% | 6,567 |
| Total risk-based capital ratio | 10.3384% | 6,585 |
| Memoranda: | ||
| Average total assets | $353,714,000 | 1,858 |
| Average earning assets | $333,608,000 | 1,809 |
| Average equity | $32,921,500 | 2,093 |
| Average total loans | $290,030,000 | 1,480 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 2,845 |
| Cost of funding earning assets | 0.7814% | 1,316 |
| Net interest margin | 3.5495% | 3,687 |
| Noninterest income to average assets | 0.5344% | 3,525 |
| Noninterest expense to average assets | 2.0448% | 5,933 |
| Loan and lease loss provision to assets | 0.1891% | 1,951 |
| Net operating income to assets | 1.5578% | 745 |
| Return on assets (ROA) | 1.5578% | 771 |
| Pretax return on assets | 1.6401% | 1,073 |
| Return on Equity (ROE) | 16.7162% | 537 |
| Retained earnings to average equity (ytd only) | 6.5414% | 1,660 |
| Net charge-offs to loans | 0.0266% | 4,889 |
| Credit loss provision to net charge-offs | 897.2222% | 281 |
| Earnings coverage of net charge-offs (x) | 86.8056% | 518 |
| Efficiency ratio | 52.5346% | 6,249 |
| Assets per employee ($millions) | 5.3157% | 1,831 |
| Cash dividends to net income (ytd only)* | 60.8679% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 5,213 |
| Loan loss allowance to noncurrent loans | 233.2569% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 5,087 |
| Noncurrent loans to loans | 0.4660% | 4,832 |
| Net loans and leases to total assets | 81.6076% | 444 |
| Net loans and leases to deposits | 91.4485% | 1,115 |
| Net loans and leases to core deposits | 99.7095% | 1,177 |
| Total domestic deposits to total assets | 89.2389% | 1,461 |
| Equity capital to assets | 9.5748% | 4,320 |
| Core capital (leverage) ratio | 8.8966% | 5,145 |
| Tier 1 risk-based capital ratio | 9.6646% | 6,581 |
| Total risk-based capital ratio | 10.6365% | 6,600 |
| Memoranda: | ||
| Average total assets | $341,693,200 | 1,886 |
| Average earning assets | $321,481,200 | 1,850 |
| Average equity | $31,843,400 | 2,139 |
| Average total loans | $270,651,800 | 1,549 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3130% | 2,934 |
| Cost of funding earning assets | 0.7864% | 1,402 |
| Net interest margin | 3.5266% | 3,766 |
| Noninterest income to average assets | 0.5367% | 3,544 |
| Noninterest expense to average assets | 1.7981% | 6,340 |
| Loan and lease loss provision to assets | 0.1890% | 1,939 |
| Net operating income to assets | 1.7739% | 552 |
| Return on assets (ROA) | 1.7739% | 580 |
| Pretax return on assets | 1.8674% | 763 |
| Return on Equity (ROE) | 19.1652% | 361 |
| Retained earnings to average equity (ytd only) | 8.9320% | 1,076 |
| Net charge-offs to loans | 0.0214% | 4,701 |
| Credit loss provision to net charge-offs | 1,127.9070% | 274 |
| Earnings coverage of net charge-offs (x) | 122.7017% | 426 |
| Efficiency ratio | 46.3950% | 6,575 |
| Assets per employee ($millions) | 5.1725% | 1,962 |
| Cash dividends to net income (ytd only)* | 53.3949% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 5,421 |
| Loan loss allowance to noncurrent loans | 917.9245% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 6,050 |
| Noncurrent loans to loans | 0.1173% | 5,975 |
| Net loans and leases to total assets | 78.5827% | 693 |
| Net loans and leases to deposits | 87.2143% | 1,466 |
| Net loans and leases to core deposits | 95.0234% | 1,473 |
| Total domestic deposits to total assets | 90.1030% | 936 |
| Equity capital to assets | 9.5498% | 4,487 |
| Core capital (leverage) ratio | 8.9420% | 5,215 |
| Tier 1 risk-based capital ratio | 10.1258% | 6,564 |
| Total risk-based capital ratio | 11.0991% | 6,599 |
| Memoranda: | ||
| Average total assets | $342,065,000 | 1,896 |
| Average earning assets | $321,809,250 | 1,852 |
| Average equity | $31,660,750 | 2,170 |
| Average total loans | $268,143,500 | 1,566 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 2,927 |
| Cost of funding earning assets | 0.7898% | 1,471 |
| Net interest margin | 3.5174% | 3,706 |
| Noninterest income to average assets | 0.5574% | 3,453 |
| Noninterest expense to average assets | 1.8096% | 6,358 |
| Loan and lease loss provision to assets | 0.1887% | 2,006 |
| Net operating income to assets | 1.7804% | 542 |
| Return on assets (ROA) | 1.7804% | 581 |
| Pretax return on assets | 1.8744% | 781 |
| Return on Equity (ROE) | 19.4405% | 350 |
| Retained earnings to average equity (ytd only) | 9.1045% | 1,082 |
| Net charge-offs to loans | 0.0397% | 4,121 |
| Credit loss provision to net charge-offs | 609.4340% | 476 |
| Earnings coverage of net charge-offs (x) | 66.6226% | 660 |
| Efficiency ratio | 46.4846% | 6,615 |
| Assets per employee ($millions) | 5.1534% | 1,928 |
| Cash dividends to net income (ytd only)* | 53.1670% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 5,725 |
| Loan loss allowance to noncurrent loans | 1,103.2129% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 6,169 |
| Noncurrent loans to loans | 0.0927% | 6,124 |
| Net loans and leases to total assets | 78.1690% | 733 |
| Net loans and leases to deposits | 86.5287% | 1,512 |
| Net loans and leases to core deposits | 93.2914% | 1,591 |
| Total domestic deposits to total assets | 90.3389% | 836 |
| Equity capital to assets | 9.3433% | 4,796 |
| Core capital (leverage) ratio | 8.6867% | 5,442 |
| Tier 1 risk-based capital ratio | 9.9869% | 6,637 |
| Total risk-based capital ratio | 10.9117% | 6,679 |
| Memoranda: | ||
| Average total assets | $342,290,670 | 1,901 |
| Average earning assets | $322,622,000 | 1,847 |
| Average equity | $31,347,000 | 2,194 |
| Average total loans | $267,127,670 | 1,568 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 3,154 |
| Cost of funding earning assets | 0.7947% | 1,556 |
| Net interest margin | 3.4442% | 3,940 |
| Noninterest income to average assets | 0.5533% | 3,413 |
| Noninterest expense to average assets | 1.8126% | 6,422 |
| Loan and lease loss provision to assets | 0.1887% | 1,947 |
| Net operating income to assets | 1.6984% | 587 |
| Return on assets (ROA) | 1.6984% | 648 |
| Pretax return on assets | 1.7881% | 901 |
| Return on Equity (ROE) | 18.7337% | 379 |
| Retained earnings to average equity (ytd only) | 8.3261% | 1,630 |
| Net charge-offs to loans | 0.1547% | 2,474 |
| Credit loss provision to net charge-offs | 157.2816% | 1,316 |
| Earnings coverage of net charge-offs (x) | 16.4757% | 1,364 |
| Efficiency ratio | 47.5561% | 6,630 |
| Assets per employee ($millions) | 5.5691% | 1,604 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 6,101 |
| Loan loss allowance to noncurrent loans | 679.8928% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 6,171 |
| Noncurrent loans to loans | 0.1414% | 6,045 |
| Net loans and leases to total assets | 74.4566% | 1,017 |
| Net loans and leases to deposits | 82.0642% | 1,818 |
| Net loans and leases to core deposits | 88.3338% | 1,868 |
| Total domestic deposits to total assets | 90.7298% | 655 |
| Equity capital to assets | 8.9641% | 5,531 |
| Core capital (leverage) ratio | 8.5697% | 5,478 |
| Tier 1 risk-based capital ratio | 9.7720% | 6,725 |
| Total risk-based capital ratio | 10.6302% | 6,771 |
| Memoranda: | ||
| Average total assets | $343,372,500 | 1,922 |
| Average earning assets | $322,625,000 | 1,874 |
| Average equity | $31,131,000 | 2,231 |
| Average total loans | $266,381,000 | 1,580 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 3,595 |
| Cost of funding earning assets | 1.0262% | 1,224 |
| Net interest margin | 3.4284% | 4,784 |
| Noninterest income to average assets | 0.6011% | 3,272 |
| Noninterest expense to average assets | 2.0032% | 6,318 |
| Loan and lease loss provision to assets | 0.2484% | 2,671 |
| Net operating income to assets | 1.5278% | 867 |
| Return on assets (ROA) | 1.5565% | 901 |
| Pretax return on assets | 1.6299% | 1,307 |
| Return on Equity (ROE) | 17.3176% | 508 |
| Retained earnings to average equity (ytd only) | 8.1712% | 1,068 |
| Net charge-offs to loans | 0.2178% | 3,649 |
| Credit loss provision to net charge-offs | 150.2742% | 1,816 |
| Earnings coverage of net charge-offs (x) | 11.1792% | 2,061 |
| Efficiency ratio | 51.7539% | 6,479 |
| Assets per employee ($millions) | 5.4176% | 1,765 |
| Cash dividends to net income (ytd only)* | 52.8155% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 6,221 |
| Loan loss allowance to noncurrent loans | 887.8136% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 6,314 |
| Noncurrent loans to loans | 0.1037% | 6,228 |
| Net loans and leases to total assets | 79.3457% | 530 |
| Net loans and leases to deposits | 87.9945% | 1,275 |
| Net loans and leases to core deposits | 94.9144% | 1,391 |
| Total domestic deposits to total assets | 90.1712% | 864 |
| Equity capital to assets | 9.1729% | 5,307 |
| Core capital (leverage) ratio | 8.7090% | 5,318 |
| Tier 1 risk-based capital ratio | 9.4737% | 6,807 |
| Total risk-based capital ratio | 10.3052% | 6,845 |
| Memoranda: | ||
| Average total assets | $330,877,800 | 1,950 |
| Average earning assets | $313,671,800 | 1,891 |
| Average equity | $29,738,600 | 2,265 |
| Average total loans | $251,204,400 | 1,640 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 3,854 |
| Cost of funding earning assets | 1.0722% | 1,188 |
| Net interest margin | 3.3726% | 5,128 |
| Noninterest income to average assets | 0.6181% | 3,167 |
| Noninterest expense to average assets | 1.7660% | 6,716 |
| Loan and lease loss provision to assets | 0.1921% | 3,183 |
| Net operating income to assets | 1.7870% | 581 |
| Return on assets (ROA) | 1.8255% | 602 |
| Pretax return on assets | 1.9116% | 848 |
| Return on Equity (ROE) | 20.4176% | 313 |
| Retained earnings to average equity (ytd only) | 11.1883% | 652 |
| Net charge-offs to loans | 0.2766% | 3,066 |
| Credit loss provision to net charge-offs | 92.7734% | 3,215 |
| Earnings coverage of net charge-offs (x) | 9.9629% | 2,250 |
| Efficiency ratio | 45.8540% | 6,822 |
| Assets per employee ($millions) | 5.3397% | 1,795 |
| Cash dividends to net income (ytd only)* | 45.2027% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8682% | 6,465 |
| Loan loss allowance to noncurrent loans | 391.5009% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 6,189 |
| Noncurrent loans to loans | 0.2218% | 6,057 |
| Net loans and leases to total assets | 75.8939% | 990 |
| Net loans and leases to deposits | 84.1483% | 1,854 |
| Net loans and leases to core deposits | 91.0925% | 1,864 |
| Total domestic deposits to total assets | 90.1907% | 738 |
| Equity capital to assets | 9.4900% | 5,218 |
| Core capital (leverage) ratio | 8.6947% | 5,484 |
| Tier 1 risk-based capital ratio | 10.3357% | 6,719 |
| Total risk-based capital ratio | 11.1276% | 6,811 |
| Memoranda: | ||
| Average total assets | $329,624,500 | 1,971 |
| Average earning assets | $313,855,250 | 1,908 |
| Average equity | $29,470,500 | 2,302 |
| Average total loans | $246,757,500 | 1,684 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4131% | 4,129 |
| Cost of funding earning assets | 1.1200% | 1,127 |
| Net interest margin | 3.2931% | 5,454 |
| Noninterest income to average assets | 0.5693% | 3,453 |
| Noninterest expense to average assets | 1.7853% | 6,770 |
| Loan and lease loss provision to assets | 0.1511% | 3,636 |
| Net operating income to assets | 1.7031% | 664 |
| Return on assets (ROA) | 1.7031% | 748 |
| Pretax return on assets | 1.7835% | 1,077 |
| Return on Equity (ROE) | 19.4410% | 389 |
| Retained earnings to average equity (ytd only) | 10.0585% | 958 |
| Net charge-offs to loans | 0.4010% | 2,422 |
| Credit loss provision to net charge-offs | 50.7099% | 4,023 |
| Earnings coverage of net charge-offs (x) | 6.4929% | 2,628 |
| Efficiency ratio | 47.7173% | 6,795 |
| Assets per employee ($millions) | 5.5325% | 1,589 |
| Cash dividends to net income (ytd only)* | 48.2612% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7952% | 6,680 |
| Loan loss allowance to noncurrent loans | 428.6652% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 6,334 |
| Noncurrent loans to loans | 0.1855% | 6,211 |
| Net loans and leases to total assets | 73.6237% | 1,304 |
| Net loans and leases to deposits | 81.1973% | 2,205 |
| Net loans and leases to core deposits | 87.6269% | 2,246 |
| Total domestic deposits to total assets | 90.6727% | 579 |
| Equity capital to assets | 8.9718% | 5,725 |
| Core capital (leverage) ratio | 8.1628% | 6,082 |
| Tier 1 risk-based capital ratio | 10.1870% | 6,777 |
| Total risk-based capital ratio | 10.9198% | 6,886 |
| Memoranda: | ||
| Average total assets | $330,925,000 | 1,963 |
| Average earning assets | $316,599,670 | 1,884 |
| Average equity | $28,990,330 | 2,327 |
| Average total loans | $245,887,000 | 1,681 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 4,102 |
| Cost of funding earning assets | 1.1799% | 1,065 |
| Net interest margin | 3.2725% | 5,564 |
| Noninterest income to average assets | 0.4721% | 4,127 |
| Noninterest expense to average assets | 1.8014% | 6,790 |
| Loan and lease loss provision to assets | 0.1513% | 3,480 |
| Net operating income to assets | 1.5750% | 906 |
| Return on assets (ROA) | 1.5750% | 1,011 |
| Pretax return on assets | 1.6488% | 1,435 |
| Return on Equity (ROE) | 18.1993% | 528 |
| Retained earnings to average equity (ytd only) | 8.6870% | 1,702 |
| Net charge-offs to loans | 0.6578% | 1,487 |
| Credit loss provision to net charge-offs | 30.9406% | 3,609 |
| Earnings coverage of net charge-offs (x) | 3.6807% | 2,781 |
| Efficiency ratio | 49.7479% | 6,688 |
| Assets per employee ($millions) | 5.6680% | 1,547 |
| Cash dividends to net income (ytd only)* | 52.2675% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7874% | 6,764 |
| Loan loss allowance to noncurrent loans | 665.3979% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 6,579 |
| Noncurrent loans to loans | 0.1183% | 6,458 |
| Net loans and leases to total assets | 71.2487% | 1,527 |
| Net loans and leases to deposits | 78.1977% | 2,472 |
| Net loans and leases to core deposits | 85.2683% | 2,373 |
| Total domestic deposits to total assets | 91.1135% | 506 |
| Equity capital to assets | 8.4886% | 6,092 |
| Core capital (leverage) ratio | 8.0907% | 6,172 |
| Tier 1 risk-based capital ratio | 9.9095% | 6,899 |
| Total risk-based capital ratio | 10.6317% | 6,981 |
| Memoranda: | ||
| Average total assets | $330,412,500 | 1,972 |
| Average earning assets | $315,967,500 | 1,896 |
| Average equity | $28,594,500 | 2,353 |
| Average total loans | $245,654,000 | 1,685 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9222% | 3,256 |
| Cost of funding earning assets | 1.4689% | 804 |
| Net interest margin | 3.4533% | 5,319 |
| Noninterest income to average assets | 0.5455% | 3,542 |
| Noninterest expense to average assets | 2.0889% | 6,512 |
| Loan and lease loss provision to assets | 0.2019% | 4,162 |
| Net operating income to assets | 1.4698% | 886 |
| Return on assets (ROA) | 1.4698% | 964 |
| Pretax return on assets | 1.5391% | 1,369 |
| Return on Equity (ROE) | 15.9574% | 608 |
| Retained earnings to average equity (ytd only) | 7.5951% | 1,229 |
| Net charge-offs to loans | 0.0967% | 5,380 |
| Credit loss provision to net charge-offs | 265.6388% | 907 |
| Earnings coverage of net charge-offs (x) | 22.9031% | 1,045 |
| Efficiency ratio | 54.2537% | 6,485 |
| Assets per employee ($millions) | 5.3458% | 1,782 |
| Cash dividends to net income (ytd only)* | 52.4037% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 6,553 |
| Loan loss allowance to noncurrent loans | 220.4204% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 6,107 |
| Noncurrent loans to loans | 0.4043% | 5,905 |
| Net loans and leases to total assets | 76.3474% | 898 |
| Net loans and leases to deposits | 84.1690% | 1,902 |
| Net loans and leases to core deposits | 92.0280% | 1,884 |
| Total domestic deposits to total assets | 90.7073% | 626 |
| Equity capital to assets | 8.8297% | 5,763 |
| Core capital (leverage) ratio | 8.3038% | 5,852 |
| Tier 1 risk-based capital ratio | 9.8553% | 6,886 |
| Total risk-based capital ratio | 10.6978% | 6,965 |
| Memoranda: | ||
| Average total assets | $298,619,400 | 2,147 |
| Average earning assets | $284,020,000 | 2,068 |
| Average equity | $27,504,400 | 2,358 |
| Average total loans | $234,801,200 | 1,779 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9831% | 3,174 |
| Cost of funding earning assets | 1.5158% | 812 |
| Net interest margin | 3.4673% | 5,322 |
| Noninterest income to average assets | 0.5750% | 3,335 |
| Noninterest expense to average assets | 1.9088% | 6,838 |
| Loan and lease loss provision to assets | 0.1033% | 5,153 |
| Net operating income to assets | 1.7769% | 542 |
| Return on assets (ROA) | 1.7769% | 592 |
| Pretax return on assets | 1.8606% | 844 |
| Return on Equity (ROE) | 19.0763% | 377 |
| Retained earnings to average equity (ytd only) | 10.8324% | 658 |
| Net charge-offs to loans | 0.0604% | 5,364 |
| Credit loss provision to net charge-offs | 216.1905% | 1,329 |
| Earnings coverage of net charge-offs (x) | 41.1133% | 757 |
| Efficiency ratio | 48.9957% | 6,887 |
| Assets per employee ($millions) | 5.2327% | 1,886 |
| Cash dividends to net income (ytd only)* | 43.2156% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8158% | 6,788 |
| Loan loss allowance to noncurrent loans | 166.2116% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 5,962 |
| Noncurrent loans to loans | 0.4908% | 5,868 |
| Net loans and leases to total assets | 79.4046% | 572 |
| Net loans and leases to deposits | 88.2670% | 1,404 |
| Net loans and leases to core deposits | 95.2936% | 1,672 |
| Total domestic deposits to total assets | 89.9596% | 888 |
| Equity capital to assets | 9.5582% | 4,997 |
| Core capital (leverage) ratio | 8.7793% | 5,296 |
| Tier 1 risk-based capital ratio | 10.3895% | 6,823 |
| Total risk-based capital ratio | 11.1716% | 6,962 |
| Memoranda: | ||
| Average total assets | $293,087,500 | 2,186 |
| Average earning assets | $278,749,250 | 2,113 |
| Average equity | $27,300,250 | 2,373 |
| Average total loans | $231,730,500 | 1,813 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9457% | 3,415 |
| Cost of funding earning assets | 1.5469% | 848 |
| Net interest margin | 3.3988% | 5,562 |
| Noninterest income to average assets | 0.5711% | 3,327 |
| Noninterest expense to average assets | 1.9502% | 6,874 |
| Loan and lease loss provision to assets | 0.1037% | 5,011 |
| Net operating income to assets | 1.6749% | 630 |
| Return on assets (ROA) | 1.6749% | 674 |
| Pretax return on assets | 1.7538% | 955 |
| Return on Equity (ROE) | 18.1431% | 457 |
| Retained earnings to average equity (ytd only) | 12.7522% | 415 |
| Net charge-offs to loans | 0.0209% | 5,547 |
| Credit loss provision to net charge-offs | 629.1667% | 499 |
| Earnings coverage of net charge-offs (x) | 112.7500% | 318 |
| Efficiency ratio | 50.9284% | 6,878 |
| Assets per employee ($millions) | 5.0771% | 2,016 |
| Cash dividends to net income (ytd only)* | 29.7131% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8222% | 6,830 |
| Loan loss allowance to noncurrent loans | 307.0755% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 6,397 |
| Noncurrent loans to loans | 0.2677% | 6,392 |
| Net loans and leases to total assets | 80.0060% | 529 |
| Net loans and leases to deposits | 88.9141% | 1,382 |
| Net loans and leases to core deposits | 96.1942% | 1,667 |
| Total domestic deposits to total assets | 89.9813% | 987 |
| Equity capital to assets | 9.5022% | 4,807 |
| Core capital (leverage) ratio | 8.7015% | 5,225 |
| Tier 1 risk-based capital ratio | 10.2979% | 6,872 |
| Total risk-based capital ratio | 11.0908% | 7,021 |
| Memoranda: | ||
| Average total assets | $291,361,330 | 2,207 |
| Average earning assets | $277,452,000 | 2,123 |
| Average equity | $26,897,330 | 2,394 |
| Average total loans | $229,379,000 | 1,848 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 3,675 |
| Cost of funding earning assets | 1.5667% | 926 |
| Net interest margin | 3.3161% | 5,721 |
| Noninterest income to average assets | 0.5493% | 3,518 |
| Noninterest expense to average assets | 2.0027% | 6,826 |
| Loan and lease loss provision to assets | 0.1049% | 4,705 |
| Net operating income to assets | 1.5279% | 827 |
| Return on assets (ROA) | 1.5279% | 869 |
| Pretax return on assets | 1.5997% | 1,193 |
| Return on Equity (ROE) | 16.8010% | 596 |
| Retained earnings to average equity (ytd only) | 11.2918% | 842 |
| Net charge-offs to loans | -0.0124% | 6,429 |
| Credit loss provision to net charge-offs | -1,085.7143% | 6,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7230% | 6,717 |
| Assets per employee ($millions) | 5.1241% | 1,999 |
| Cash dividends to net income (ytd only)* | 32.7913% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 6,827 |
| Loan loss allowance to noncurrent loans | 214.9775% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 6,242 |
| Noncurrent loans to loans | 0.3935% | 6,208 |
| Net loans and leases to total assets | 76.6016% | 945 |
| Net loans and leases to deposits | 84.8017% | 1,909 |
| Net loans and leases to core deposits | 91.7653% | 2,158 |
| Total domestic deposits to total assets | 90.3302% | 948 |
| Equity capital to assets | 9.1500% | 4,959 |
| Core capital (leverage) ratio | 8.4655% | 5,519 |
| Tier 1 risk-based capital ratio | 10.3650% | 6,880 |
| Total risk-based capital ratio | 11.1763% | 7,030 |
| Memoranda: | ||
| Average total assets | $289,807,500 | 2,228 |
| Average earning assets | $275,989,500 | 2,149 |
| Average equity | $26,355,500 | 2,423 |
| Average total loans | $225,295,500 | 1,894 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3082% | 3,095 |
| Cost of funding earning assets | 1.7714% | 1,288 |
| Net interest margin | 3.5368% | 5,088 |
| Noninterest income to average assets | 0.6113% | 3,398 |
| Noninterest expense to average assets | 2.3271% | 6,279 |
| Loan and lease loss provision to assets | 0.0415% | 6,750 |
| Net operating income to assets | 1.4929% | 775 |
| Return on assets (ROA) | 1.4957% | 831 |
| Pretax return on assets | 1.5745% | 1,192 |
| Return on Equity (ROE) | 15.7434% | 607 |
| Retained earnings to average equity (ytd only) | 8.5005% | 839 |
| Net charge-offs to loans | 0.0164% | 6,657 |
| Credit loss provision to net charge-offs | 315.6250% | 828 |
| Earnings coverage of net charge-offs (x) | 122.7813% | 209 |
| Efficiency ratio | 58.9351% | 6,209 |
| Assets per employee ($millions) | 5.0446% | 2,092 |
| Cash dividends to net income (ytd only)* | 46.0060% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 6,941 |
| Loan loss allowance to noncurrent loans | 294.9919% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 6,498 |
| Noncurrent loans to loans | 0.2752% | 6,513 |
| Net loans and leases to total assets | 77.5969% | 1,005 |
| Net loans and leases to deposits | 85.8102% | 2,139 |
| Net loans and leases to core deposits | 93.2044% | 2,357 |
| Total domestic deposits to total assets | 90.4285% | 876 |
| Equity capital to assets | 9.0374% | 5,087 |
| Core capital (leverage) ratio | 8.4639% | 5,427 |
| Tier 1 risk-based capital ratio | 10.1418% | 6,910 |
| Total risk-based capital ratio | 10.9253% | 7,090 |
| Memoranda: | ||
| Average total assets | $243,568,200 | 2,605 |
| Average earning assets | $229,248,800 | 2,530 |
| Average equity | $23,139,800 | 2,746 |
| Average total loans | $194,822,400 | 2,205 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3627% | 3,062 |
| Cost of funding earning assets | 1.7955% | 1,433 |
| Net interest margin | 3.5672% | 5,032 |
| Noninterest income to average assets | 0.5865% | 3,533 |
| Noninterest expense to average assets | 1.9898% | 7,067 |
| Loan and lease loss provision to assets | 0.0401% | 6,684 |
| Net operating income to assets | 1.8077% | 492 |
| Return on assets (ROA) | 1.8116% | 534 |
| Pretax return on assets | 1.9067% | 756 |
| Return on Equity (ROE) | 18.7854% | 406 |
| Retained earnings to average equity (ytd only) | 15.2066% | 202 |
| Net charge-offs to loans | 0.0021% | 6,649 |
| Credit loss provision to net charge-offs | 2,333.3333% | 133 |
| Earnings coverage of net charge-offs (x) | 1,129.6375% | 20 |
| Efficiency ratio | 50.5394% | 7,114 |
| Assets per employee ($millions) | 4.9508% | 2,241 |
| Cash dividends to net income (ytd only)* | 19.0507% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 6,859 |
| Loan loss allowance to noncurrent loans | 646.8085% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 6,878 |
| Noncurrent loans to loans | 0.1333% | 6,912 |
| Net loans and leases to total assets | 77.0404% | 1,215 |
| Net loans and leases to deposits | 85.8845% | 2,370 |
| Net loans and leases to core deposits | 94.5994% | 2,438 |
| Total domestic deposits to total assets | 89.7024% | 1,018 |
| Equity capital to assets | 9.7941% | 4,421 |
| Core capital (leverage) ratio | 9.7257% | 3,585 |
| Tier 1 risk-based capital ratio | 11.1890% | 6,204 |
| Total risk-based capital ratio | 12.0317% | 6,543 |
| Memoranda: | ||
| Average total assets | $232,575,250 | 2,751 |
| Average earning assets | $218,168,750 | 2,686 |
| Average equity | $22,428,250 | 2,871 |
| Average total loans | $187,291,000 | 2,309 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4623% | 2,692 |
| Cost of funding earning assets | 1.8328% | 1,520 |
| Net interest margin | 3.6295% | 4,698 |
| Noninterest income to average assets | 0.5872% | 3,431 |
| Noninterest expense to average assets | 1.9222% | 7,226 |
| Loan and lease loss provision to assets | 0.0365% | 6,593 |
| Net operating income to assets | 1.9271% | 378 |
| Return on assets (ROA) | 1.9331% | 411 |
| Pretax return on assets | 2.0352% | 564 |
| Return on Equity (ROE) | 20.1764% | 309 |
| Retained earnings to average equity (ytd only) | 16.3600% | 179 |
| Net charge-offs to loans | -0.0045% | 7,102 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2049% | 7,339 |
| Assets per employee ($millions) | 4.8717% | 2,340 |
| Cash dividends to net income (ytd only)* | 18.9151% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 6,481 |
| Loan loss allowance to noncurrent loans | 2,467.1233% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 7,083 |
| Noncurrent loans to loans | 0.0398% | 7,220 |
| Net loans and leases to total assets | 81.1121% | 654 |
| Net loans and leases to deposits | 90.4085% | 1,789 |
| Net loans and leases to core deposits | 102.1599% | 1,814 |
| Total domestic deposits to total assets | 89.7174% | 1,066 |
| Equity capital to assets | 9.7315% | 4,365 |
| Core capital (leverage) ratio | 9.8650% | 3,325 |
| Tier 1 risk-based capital ratio | 11.5701% | 5,699 |
| Total risk-based capital ratio | 12.5317% | 5,945 |
| Memoranda: | ||
| Average total assets | $219,335,000 | 2,948 |
| Average earning assets | $205,482,000 | 2,870 |
| Average equity | $21,014,670 | 3,041 |
| Average total loans | $179,187,330 | 2,432 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4106% | 2,989 |
| Cost of funding earning assets | 1.8572% | 1,624 |
| Net interest margin | 3.5534% | 4,932 |
| Noninterest income to average assets | 0.5881% | 3,352 |
| Noninterest expense to average assets | 1.8935% | 7,340 |
| Loan and lease loss provision to assets | 0.0313% | 6,364 |
| Net operating income to assets | 1.8997% | 410 |
| Return on assets (ROA) | 1.9119% | 442 |
| Pretax return on assets | 2.0133% | 588 |
| Return on Equity (ROE) | 20.1183% | 376 |
| Retained earnings to average equity (ytd only) | 20.1183% | 189 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2386% | 7,423 |
| Assets per employee ($millions) | 4.8040% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 6,494 |
| Loan loss allowance to noncurrent loans | 1,529.3103% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 7,109 |
| Noncurrent loans to loans | 0.0652% | 7,237 |
| Net loans and leases to total assets | 81.5331% | 640 |
| Net loans and leases to deposits | 90.9494% | 1,767 |
| Net loans and leases to core deposits | 101.6406% | 1,956 |
| Total domestic deposits to total assets | 89.6466% | 1,162 |
| Equity capital to assets | 9.7640% | 4,155 |
| Core capital (leverage) ratio | 9.7731% | 3,429 |
| Tier 1 risk-based capital ratio | 11.5005% | 5,672 |
| Total risk-based capital ratio | 12.4725% | 5,887 |
| Memoranda: | ||
| Average total assets | $216,954,500 | 3,028 |
| Average earning assets | $203,749,500 | 2,944 |
| Average equity | $20,618,000 | 3,115 |
| Average total loans | $176,996,000 | 2,520 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3874% | 4,752 |
| Cost of funding earning assets | 2.1598% | 2,189 |
| Net interest margin | 3.2276% | 6,002 |
| Noninterest income to average assets | 0.6105% | 3,546 |
| Noninterest expense to average assets | 2.1419% | 7,100 |
| Loan and lease loss provision to assets | 0.4170% | 4,316 |
| Net operating income to assets | 1.0294% | 1,744 |
| Return on assets (ROA) | 0.9329% | 2,130 |
| Pretax return on assets | 0.9818% | 2,655 |
| Return on Equity (ROE) | 10.0102% | 1,687 |
| Retained earnings to average equity (ytd only) | 3.0625% | 3,016 |
| Net charge-offs to loans | 0.3915% | 4,257 |
| Credit loss provision to net charge-offs | 137.8626% | 3,565 |
| Earnings coverage of net charge-offs (x) | 4.9603% | 2,737 |
| Efficiency ratio | 58.8056% | 6,648 |
| Assets per employee ($millions) | 4.6325% | 2,712 |
| Cash dividends to net income (ytd only)* | 69.4059% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 6,396 |
| Loan loss allowance to noncurrent loans | 949.7297% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 7,099 |
| Noncurrent loans to loans | 0.1051% | 7,149 |
| Net loans and leases to total assets | 80.0090% | 989 |
| Net loans and leases to deposits | 89.3257% | 2,332 |
| Net loans and leases to core deposits | 111.9874% | 2,695 |
| Total domestic deposits to total assets | 89.5700% | 1,175 |
| Equity capital to assets | 9.2446% | 4,782 |
| Core capital (leverage) ratio | 9.1072% | 4,258 |
| Tier 1 risk-based capital ratio | 10.9384% | 5,972 |
| Total risk-based capital ratio | 11.9016% | 6,227 |
| Memoranda: | ||
| Average total assets | $216,532,800 | 2,991 |
| Average earning assets | $203,400,400 | 2,927 |
| Average equity | $20,179,400 | 3,168 |
| Average total loans | $167,311,400 | 2,658 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3723% | 5,081 |
| Cost of funding earning assets | 2.2144% | 2,339 |
| Net interest margin | 3.1579% | 6,151 |
| Noninterest income to average assets | 0.6191% | 3,555 |
| Noninterest expense to average assets | 1.9337% | 7,487 |
| Loan and lease loss provision to assets | 0.3996% | 3,916 |
| Net operating income to assets | 1.1907% | 1,488 |
| Return on assets (ROA) | 1.0618% | 1,918 |
| Pretax return on assets | 1.1179% | 2,509 |
| Return on Equity (ROE) | 11.3704% | 1,521 |
| Retained earnings to average equity (ytd only) | 3.4336% | 3,375 |
| Net charge-offs to loans | 0.4586% | 3,396 |
| Credit loss provision to net charge-offs | 114.0845% | 4,452 |
| Earnings coverage of net charge-offs (x) | 4.7201% | 3,031 |
| Efficiency ratio | 53.9110% | 7,240 |
| Assets per employee ($millions) | 4.5870% | 2,720 |
| Cash dividends to net income (ytd only)* | 69.8028% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 6,479 |
| Loan loss allowance to noncurrent loans | 597.3684% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 7,155 |
| Noncurrent loans to loans | 0.1610% | 7,083 |
| Net loans and leases to total assets | 75.9180% | 2,008 |
| Net loans and leases to deposits | 84.7978% | 3,523 |
| Net loans and leases to core deposits | 103.5329% | 3,989 |
| Total domestic deposits to total assets | 89.5282% | 950 |
| Equity capital to assets | 9.3122% | 5,016 |
| Core capital (leverage) ratio | 8.9103% | 4,792 |
| Tier 1 risk-based capital ratio | 11.8799% | 5,082 |
| Total risk-based capital ratio | 12.8307% | 5,299 |
| Memoranda: | ||
| Average total assets | $216,234,000 | 3,008 |
| Average earning assets | $203,212,000 | 2,944 |
| Average equity | $20,192,250 | 3,201 |
| Average total loans | $165,149,500 | 2,711 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4044% | 5,129 |
| Cost of funding earning assets | 2.2401% | 2,624 |
| Net interest margin | 3.1643% | 6,048 |
| Noninterest income to average assets | 0.6089% | 3,616 |
| Noninterest expense to average assets | 1.9265% | 7,589 |
| Loan and lease loss provision to assets | 0.0832% | 6,346 |
| Net operating income to assets | 1.4997% | 837 |
| Return on assets (ROA) | 1.4997% | 895 |
| Pretax return on assets | 1.5791% | 1,256 |
| Return on Equity (ROE) | 16.0447% | 687 |
| Retained earnings to average equity (ytd only) | 12.0805% | 429 |
| Net charge-offs to loans | 0.0775% | 5,427 |
| Credit loss provision to net charge-offs | 140.6250% | 3,315 |
| Earnings coverage of net charge-offs (x) | 28.1094% | 1,044 |
| Efficiency ratio | 53.6818% | 7,362 |
| Assets per employee ($millions) | 4.6980% | 2,467 |
| Cash dividends to net income (ytd only)* | 24.7073% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 6,594 |
| Loan loss allowance to noncurrent loans | 161.2395% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 6,027 |
| Noncurrent loans to loans | 0.5839% | 6,088 |
| Net loans and leases to total assets | 73.1400% | 2,925 |
| Net loans and leases to deposits | 83.3902% | 3,982 |
| Net loans and leases to core deposits | 106.2180% | 3,812 |
| Total domestic deposits to total assets | 87.7081% | 1,926 |
| Equity capital to assets | 9.3246% | 4,832 |
| Core capital (leverage) ratio | 9.3683% | 4,074 |
| Tier 1 risk-based capital ratio | 11.7831% | 5,121 |
| Total risk-based capital ratio | 12.6629% | 5,393 |
| Memoranda: | ||
| Average total assets | $216,449,330 | 3,026 |
| Average earning assets | $203,834,000 | 2,949 |
| Average equity | $20,231,000 | 3,206 |
| Average total loans | $165,113,000 | 2,735 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4400% | 5,225 |
| Cost of funding earning assets | 2.2698% | 2,841 |
| Net interest margin | 3.1702% | 5,953 |
| Noninterest income to average assets | 0.6347% | 3,314 |
| Noninterest expense to average assets | 1.7604% | 7,749 |
| Loan and lease loss provision to assets | 0.0784% | 5,971 |
| Net operating income to assets | 1.6969% | 651 |
| Return on assets (ROA) | 1.6969% | 717 |
| Pretax return on assets | 1.7865% | 1,005 |
| Return on Equity (ROE) | 18.1329% | 584 |
| Retained earnings to average equity (ytd only) | 18.1329% | 226 |
| Net charge-offs to loans | 0.0265% | 5,164 |
| Credit loss provision to net charge-offs | 381.8182% | 1,348 |
| Earnings coverage of net charge-offs (x) | 90.8182% | 472 |
| Efficiency ratio | 48.5582% | 7,697 |
| Assets per employee ($millions) | 4.6646% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9138% | 6,682 |
| Loan loss allowance to noncurrent loans | 150.0975% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 6,014 |
| Noncurrent loans to loans | 0.6088% | 5,875 |
| Net loans and leases to total assets | 77.8254% | 1,862 |
| Net loans and leases to deposits | 89.0110% | 3,104 |
| Net loans and leases to core deposits | 113.9420% | 3,014 |
| Total domestic deposits to total assets | 87.4335% | 2,001 |
| Equity capital to assets | 9.5433% | 4,617 |
| Core capital (leverage) ratio | 9.8251% | 3,609 |
| Tier 1 risk-based capital ratio | 11.3937% | 5,513 |
| Total risk-based capital ratio | 12.2605% | 5,797 |
| Memoranda: | ||
| Average total assets | $214,272,000 | 3,065 |
| Average earning assets | $202,131,500 | 2,991 |
| Average equity | $20,052,000 | 3,252 |
| Average total loans | $166,154,000 | 2,751 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9463% | 5,823 |
| Cost of funding earning assets | 2.8971% | 2,275 |
| Net interest margin | 3.0492% | 6,792 |
| Noninterest income to average assets | 0.6176% | 3,725 |
| Noninterest expense to average assets | 2.0485% | 7,349 |
| Loan and lease loss provision to assets | 0.1670% | 5,249 |
| Net operating income to assets | 1.1964% | 1,779 |
| Return on assets (ROA) | 1.1964% | 1,712 |
| Pretax return on assets | 1.2556% | 2,461 |
| Return on Equity (ROE) | 11.8869% | 1,631 |
| Retained earnings to average equity (ytd only) | 4.8567% | 2,106 |
| Net charge-offs to loans | 0.1727% | 4,474 |
| Credit loss provision to net charge-offs | 125.0980% | 4,272 |
| Earnings coverage of net charge-offs (x) | 10.6588% | 2,481 |
| Efficiency ratio | 59.0169% | 6,524 |
| Assets per employee ($millions) | 4.8630% | 2,094 |
| Cash dividends to net income (ytd only)* | 59.1426% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 6,559 |
| Loan loss allowance to noncurrent loans | 151.8109% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4739% | 5,805 |
| Noncurrent loans to loans | 0.6069% | 5,552 |
| Net loans and leases to total assets | 75.8358% | 2,669 |
| Net loans and leases to deposits | 86.9315% | 3,963 |
| Net loans and leases to core deposits | 107.3790% | 4,034 |
| Total domestic deposits to total assets | 87.2363% | 1,819 |
| Equity capital to assets | 9.1726% | 5,122 |
| Core capital (leverage) ratio | 9.9178% | 3,527 |
| Tier 1 risk-based capital ratio | 11.3520% | 5,386 |
| Total risk-based capital ratio | 12.2380% | 5,638 |
| Memoranda: | ||
| Average total assets | $191,070,400 | 3,259 |
| Average earning assets | $178,800,400 | 3,196 |
| Average equity | $19,231,200 | 3,357 |
| Average total loans | $147,696,200 | 2,969 |