Home > NBT Financial Bank > Performance and Condition Ratios
NBT Financial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1467% | 532 |
| Cost of funding earning assets | 1.7612% | 1,320 |
| Net interest margin | 4.3855% | 717 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 3.2612% | 770 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.0035% | 2,211 |
| Return on assets (ROA) | 1.0035% | 2,193 |
| Pretax return on assets | 1.2896% | 1,895 |
| Return on Equity (ROE) | 10.1100% | 2,471 |
| Retained earnings to average equity (ytd only) | 10.1120% | 991 |
| Net charge-offs to loans | 0.0497% | 1,369 |
| Credit loss provision to net charge-offs | 158.6957% | 1,419 |
| Earnings coverage of net charge-offs (x) | 32.9239% | 1,575 |
| Efficiency ratio | 70.4488% | 1,819 |
| Assets per employee ($millions) | 6.1276% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,264 |
| Loan loss allowance to noncurrent loans | 2,443.7158% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 3,337 |
| Noncurrent loans to loans | 0.0494% | 3,375 |
| Net loans and leases to total assets | 81.9000% | 443 |
| Net loans and leases to deposits | 91.9218% | 1,100 |
| Net loans and leases to core deposits | 112.0791% | 884 |
| Total domestic deposits to total assets | 89.0900% | 1,041 |
| Equity capital to assets | 10.4183% | 1,769 |
| Core capital (leverage) ratio | 10.7310% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2185% | 1,471 |
| Memoranda: | ||
| Average total assets | $442,847,800 | 1,885 |
| Average earning assets | $422,487,400 | 1,829 |
| Average equity | $43,948,000 | 1,763 |
| Average total loans | $370,298,800 | 1,547 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0262% | 514 |
| Cost of funding earning assets | 1.6588% | 1,262 |
| Net interest margin | 4.3674% | 732 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 3.2468% | 770 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.9786% | 2,426 |
| Return on assets (ROA) | 0.9786% | 2,423 |
| Pretax return on assets | 1.2581% | 2,153 |
| Return on Equity (ROE) | 9.9900% | 2,636 |
| Retained earnings to average equity (ytd only) | 9.9864% | 1,403 |
| Net charge-offs to loans | 0.0562% | 1,105 |
| Credit loss provision to net charge-offs | 222.4359% | 1,052 |
| Earnings coverage of net charge-offs (x) | 28.9423% | 1,609 |
| Efficiency ratio | 70.4361% | 1,737 |
| Assets per employee ($millions) | 5.9850% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 2,298 |
| Loan loss allowance to noncurrent loans | 2,108.7963% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,315 |
| Noncurrent loans to loans | 0.0575% | 3,342 |
| Net loans and leases to total assets | 84.9100% | 221 |
| Net loans and leases to deposits | 95.3001% | 797 |
| Net loans and leases to core deposits | 116.0710% | 658 |
| Total domestic deposits to total assets | 89.1000% | 1,211 |
| Equity capital to assets | 10.3046% | 1,645 |
| Core capital (leverage) ratio | 10.4562% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7078% | 1,655 |
| Memoranda: | ||
| Average total assets | $441,730,500 | 1,885 |
| Average earning assets | $421,661,000 | 1,832 |
| Average equity | $43,284,250 | 1,771 |
| Average total loans | $370,172,000 | 1,546 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7071% | 629 |
| Cost of funding earning assets | 1.5041% | 1,233 |
| Net interest margin | 4.2030% | 927 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 3.0433% | 972 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.9852% | 2,466 |
| Return on assets (ROA) | 0.9852% | 2,455 |
| Pretax return on assets | 1.2672% | 2,174 |
| Return on Equity (ROE) | 10.2300% | 2,635 |
| Retained earnings to average equity (ytd only) | 10.2282% | 1,346 |
| Net charge-offs to loans | 0.0451% | 1,055 |
| Credit loss provision to net charge-offs | 357.8313% | 778 |
| Earnings coverage of net charge-offs (x) | 37.4217% | 1,437 |
| Efficiency ratio | 68.4734% | 1,927 |
| Assets per employee ($millions) | 6.1552% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,210 |
| Loan loss allowance to noncurrent loans | 1,795.2941% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 3,192 |
| Noncurrent loans to loans | 0.0692% | 3,201 |
| Net loans and leases to total assets | 82.0900% | 416 |
| Net loans and leases to deposits | 91.5829% | 1,056 |
| Net loans and leases to core deposits | 113.4216% | 700 |
| Total domestic deposits to total assets | 89.6300% | 1,042 |
| Equity capital to assets | 9.9144% | 1,908 |
| Core capital (leverage) ratio | 10.0663% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6899% | 1,655 |
| Memoranda: | ||
| Average total assets | $443,340,000 | 1,881 |
| Average earning assets | $423,367,333 | 1,832 |
| Average equity | $42,705,333 | 1,795 |
| Average total loans | $368,387,667 | 1,540 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4777% | 644 |
| Cost of funding earning assets | 1.2137% | 1,420 |
| Net interest margin | 4.2640% | 860 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 3.0526% | 990 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 0.8949% | 2,875 |
| Return on assets (ROA) | 0.8949% | 2,828 |
| Pretax return on assets | 1.1501% | 2,570 |
| Return on Equity (ROE) | 9.4300% | 2,938 |
| Retained earnings to average equity (ytd only) | 9.4276% | 1,830 |
| Net charge-offs to loans | 0.0662% | 741 |
| Credit loss provision to net charge-offs | 486.8852% | 560 |
| Earnings coverage of net charge-offs (x) | 25.7705% | 1,359 |
| Efficiency ratio | 68.2809% | 1,941 |
| Assets per employee ($millions) | 6.9928% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,210 |
| Loan loss allowance to noncurrent loans | 2,288.5572% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 3,335 |
| Noncurrent loans to loans | 0.0553% | 3,343 |
| Net loans and leases to total assets | 80.1600% | 523 |
| Net loans and leases to deposits | 89.1191% | 1,124 |
| Net loans and leases to core deposits | 111.7027% | 648 |
| Total domestic deposits to total assets | 89.9400% | 1,175 |
| Equity capital to assets | 9.5509% | 2,100 |
| Core capital (leverage) ratio | 9.9784% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6009% | 1,763 |
| Memoranda: | ||
| Average total assets | $443,424,000 | 1,894 |
| Average earning assets | $423,825,500 | 1,854 |
| Average equity | $42,089,000 | 1,832 |
| Average total loans | $368,396,500 | 1,553 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3052% | 1,038 |
| Cost of funding earning assets | 0.3751% | 2,295 |
| Net interest margin | 3.9301% | 891 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.7602% | 1,418 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.9375% | 2,823 |
| Return on assets (ROA) | 0.9375% | 2,766 |
| Pretax return on assets | 1.1954% | 2,455 |
| Return on Equity (ROE) | 10.6400% | 2,595 |
| Retained earnings to average equity (ytd only) | 10.6414% | 971 |
| Net charge-offs to loans | 0.0539% | 1,124 |
| Credit loss provision to net charge-offs | 513.0435% | 668 |
| Earnings coverage of net charge-offs (x) | 34.0163% | 1,613 |
| Efficiency ratio | 66.2242% | 2,204 |
| Assets per employee ($millions) | 6.9732% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 2,075 |
| Loan loss allowance to noncurrent loans | 2,237.9147% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 3,327 |
| Noncurrent loans to loans | 0.0565% | 3,353 |
| Net loans and leases to total assets | 83.9400% | 258 |
| Net loans and leases to deposits | 93.0417% | 843 |
| Net loans and leases to core deposits | 110.9483% | 579 |
| Total domestic deposits to total assets | 90.2100% | 1,270 |
| Equity capital to assets | 9.4316% | 2,062 |
| Core capital (leverage) ratio | 9.8668% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5696% | 2,144 |
| Memoranda: | ||
| Average total assets | $444,609,400 | 1,868 |
| Average earning assets | $425,507,400 | 1,834 |
| Average equity | $39,167,600 | 1,947 |
| Average total loans | $341,532,400 | 1,573 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9591% | 1,347 |
| Cost of funding earning assets | 0.2999% | 2,169 |
| Net interest margin | 3.6592% | 1,247 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.7459% | 1,360 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.8115% | 3,208 |
| Return on assets (ROA) | 0.8115% | 3,176 |
| Pretax return on assets | 1.0342% | 2,916 |
| Return on Equity (ROE) | 9.3700% | 2,917 |
| Retained earnings to average equity (ytd only) | 9.3743% | 1,528 |
| Net charge-offs to loans | -0.0300% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.1069% | 1,748 |
| Assets per employee ($millions) | 6.8193% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,296 |
| Loan loss allowance to noncurrent loans | 1,483.1683% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 3,200 |
| Noncurrent loans to loans | 0.0839% | 3,278 |
| Net loans and leases to total assets | 81.7600% | 395 |
| Net loans and leases to deposits | 90.2901% | 875 |
| Net loans and leases to core deposits | 105.8309% | 592 |
| Total domestic deposits to total assets | 90.5500% | 1,421 |
| Equity capital to assets | 9.1143% | 2,134 |
| Core capital (leverage) ratio | 9.3253% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6872% | 2,176 |
| Memoranda: | ||
| Average total assets | $445,934,250 | 1,872 |
| Average earning assets | $427,190,750 | 1,839 |
| Average equity | $38,601,000 | 1,999 |
| Average total loans | $333,550,250 | 1,593 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5617% | 1,956 |
| Cost of funding earning assets | 0.2558% | 2,186 |
| Net interest margin | 3.3059% | 1,892 |
| Noninterest income to average assets | 0.4280% | 2,580 |
| Noninterest expense to average assets | 2.5878% | 1,673 |
| Loan and lease loss provision to assets | 0.1020% | 976 |
| Net operating income to assets | 0.7121% | 3,269 |
| Return on assets (ROA) | 0.7121% | 3,221 |
| Pretax return on assets | 0.9098% | 3,030 |
| Return on Equity (ROE) | 8.3698% | 2,906 |
| Retained earnings to average equity (ytd only) | 8.3698% | 1,485 |
| Net charge-offs to loans | -0.0389% | 4,141 |
| Credit loss provision to net charge-offs | -363.4921% | 3,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8916% | 1,741 |
| Assets per employee ($millions) | 6.8229% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,301 |
| Loan loss allowance to noncurrent loans | 2,547.3054% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 3,592 |
| Noncurrent loans to loans | 0.0501% | 3,574 |
| Net loans and leases to total assets | 76.6204% | 673 |
| Net loans and leases to deposits | 84.5044% | 1,086 |
| Net loans and leases to core deposits | 98.8623% | 720 |
| Total domestic deposits to total assets | 90.6702% | 1,395 |
| Equity capital to assets | 9.0229% | 2,375 |
| Core capital (leverage) ratio | 9.2390% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2423% | 1,961 |
| Memoranda: | ||
| Average total assets | $449,100,333 | 1,875 |
| Average earning assets | $430,861,333 | 1,841 |
| Average equity | $38,208,667 | 2,074 |
| Average total loans | $324,292,667 | 1,618 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3232% | 2,312 |
| Cost of funding earning assets | 0.2457% | 2,206 |
| Net interest margin | 3.0776% | 2,243 |
| Noninterest income to average assets | 0.3566% | 2,954 |
| Noninterest expense to average assets | 2.3613% | 2,298 |
| Loan and lease loss provision to assets | 0.0663% | 1,233 |
| Net operating income to assets | 0.6976% | 3,066 |
| Return on assets (ROA) | 0.6976% | 3,056 |
| Pretax return on assets | 0.8894% | 2,812 |
| Return on Equity (ROE) | 8.4386% | 2,540 |
| Retained earnings to average equity (ytd only) | 8.4386% | 1,446 |
| Net charge-offs to loans | -0.0050% | 3,340 |
| Credit loss provision to net charge-offs | -1,900.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1882% | 2,082 |
| Assets per employee ($millions) | 7.4438% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,616 |
| Loan loss allowance to noncurrent loans | 1,991.1330% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,602 |
| Noncurrent loans to loans | 0.0626% | 3,542 |
| Net loans and leases to total assets | 68.2439% | 1,188 |
| Net loans and leases to deposits | 74.4685% | 1,562 |
| Net loans and leases to core deposits | 98.8214% | 547 |
| Total domestic deposits to total assets | 91.6413% | 731 |
| Equity capital to assets | 8.1378% | 3,459 |
| Core capital (leverage) ratio | 8.5300% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6014% | 1,955 |
| Memoranda: | ||
| Average total assets | $458,730,500 | 1,862 |
| Average earning assets | $441,259,000 | 1,821 |
| Average equity | $37,921,000 | 2,130 |
| Average total loans | $319,639,500 | 1,623 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8270% | 1,804 |
| Cost of funding earning assets | 0.3097% | 2,300 |
| Net interest margin | 3.5173% | 1,680 |
| Noninterest income to average assets | 0.4253% | 2,923 |
| Noninterest expense to average assets | 2.5721% | 1,948 |
| Loan and lease loss provision to assets | 0.1777% | 649 |
| Net operating income to assets | 0.8134% | 3,293 |
| Return on assets (ROA) | 0.8134% | 3,363 |
| Pretax return on assets | 1.0323% | 3,177 |
| Return on Equity (ROE) | 8.6755% | 3,023 |
| Retained earnings to average equity (ytd only) | 8.6755% | 1,291 |
| Net charge-offs to loans | 0.0362% | 1,525 |
| Credit loss provision to net charge-offs | 643.3962% | 695 |
| Earnings coverage of net charge-offs (x) | 43.8019% | 1,380 |
| Efficiency ratio | 68.0058% | 1,976 |
| Assets per employee ($millions) | 7.2339% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,589 |
| Loan loss allowance to noncurrent loans | 1,745.3744% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 3,633 |
| Noncurrent loans to loans | 0.0720% | 3,573 |
| Net loans and leases to total assets | 69.3953% | 1,111 |
| Net loans and leases to deposits | 77.3090% | 1,466 |
| Net loans and leases to core deposits | 106.0038% | 365 |
| Total domestic deposits to total assets | 89.7635% | 1,079 |
| Equity capital to assets | 8.4011% | 4,115 |
| Core capital (leverage) ratio | 8.5244% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0090% | 1,836 |
| Memoranda: | ||
| Average total assets | $383,692,000 | 2,049 |
| Average earning assets | $366,191,000 | 2,017 |
| Average equity | $35,974,800 | 2,244 |
| Average total loans | $292,613,000 | 1,736 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9838% | 1,578 |
| Cost of funding earning assets | 0.3221% | 2,385 |
| Net interest margin | 3.6617% | 1,428 |
| Noninterest income to average assets | 0.4383% | 2,893 |
| Noninterest expense to average assets | 2.5872% | 1,876 |
| Loan and lease loss provision to assets | 0.2474% | 373 |
| Net operating income to assets | 0.8584% | 3,355 |
| Return on assets (ROA) | 0.8584% | 3,426 |
| Pretax return on assets | 1.0892% | 3,217 |
| Return on Equity (ROE) | 8.8740% | 3,145 |
| Retained earnings to average equity (ytd only) | 8.8740% | 1,744 |
| Net charge-offs to loans | 0.0553% | 1,098 |
| Credit loss provision to net charge-offs | 573.1092% | 720 |
| Earnings coverage of net charge-offs (x) | 30.9580% | 1,508 |
| Efficiency ratio | 65.9362% | 2,106 |
| Assets per employee ($millions) | 6.6363% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,610 |
| Loan loss allowance to noncurrent loans | 2,686.3946% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 3,905 |
| Noncurrent loans to loans | 0.0475% | 3,880 |
| Net loans and leases to total assets | 78.0582% | 404 |
| Net loans and leases to deposits | 89.8914% | 613 |
| Net loans and leases to core deposits | 108.1731% | 363 |
| Total domestic deposits to total assets | 86.8361% | 2,416 |
| Equity capital to assets | 9.3878% | 3,478 |
| Core capital (leverage) ratio | 9.6424% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1158% | 1,926 |
| Memoranda: | ||
| Average total assets | $367,489,250 | 2,135 |
| Average earning assets | $349,810,250 | 2,100 |
| Average equity | $35,548,750 | 2,293 |
| Average total loans | $286,965,750 | 1,783 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0717% | 1,401 |
| Cost of funding earning assets | 0.3221% | 2,568 |
| Net interest margin | 3.7496% | 1,224 |
| Noninterest income to average assets | 0.4440% | 2,880 |
| Noninterest expense to average assets | 2.5270% | 2,058 |
| Loan and lease loss provision to assets | 0.2915% | 299 |
| Net operating income to assets | 0.9369% | 3,108 |
| Return on assets (ROA) | 0.9369% | 3,185 |
| Pretax return on assets | 1.1879% | 2,946 |
| Return on Equity (ROE) | 9.5829% | 2,918 |
| Retained earnings to average equity (ytd only) | 9.5829% | 1,533 |
| Net charge-offs to loans | -0.0608% | 4,449 |
| Credit loss provision to net charge-offs | -616.4706% | 3,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0746% | 2,561 |
| Assets per employee ($millions) | 6.0556% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 2,342 |
| Loan loss allowance to noncurrent loans | 1,967.9803% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,879 |
| Noncurrent loans to loans | 0.0670% | 3,855 |
| Net loans and leases to total assets | 78.3141% | 423 |
| Net loans and leases to deposits | 90.4442% | 623 |
| Net loans and leases to core deposits | 108.4209% | 406 |
| Total domestic deposits to total assets | 86.5882% | 2,507 |
| Equity capital to assets | 9.4209% | 3,409 |
| Core capital (leverage) ratio | 9.8323% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2643% | 1,881 |
| Memoranda: | ||
| Average total assets | $359,472,000 | 2,161 |
| Average earning assets | $341,527,667 | 2,129 |
| Average equity | $35,146,000 | 2,307 |
| Average total loans | $279,428,000 | 1,838 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 1,293 |
| Cost of funding earning assets | 0.3314% | 2,694 |
| Net interest margin | 3.8154% | 1,103 |
| Noninterest income to average assets | 0.4351% | 2,898 |
| Noninterest expense to average assets | 2.2407% | 2,971 |
| Loan and lease loss provision to assets | 0.4132% | 182 |
| Net operating income to assets | 1.1066% | 2,452 |
| Return on assets (ROA) | 1.1066% | 2,532 |
| Pretax return on assets | 1.4028% | 2,271 |
| Return on Equity (ROE) | 11.0969% | 2,334 |
| Retained earnings to average equity (ytd only) | 11.0969% | 1,379 |
| Net charge-offs to loans | -0.0657% | 4,496 |
| Credit loss provision to net charge-offs | -818.1818% | 3,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2349% | 3,643 |
| Assets per employee ($millions) | 5.7088% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 2,155 |
| Loan loss allowance to noncurrent loans | 976.8041% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 3,625 |
| Noncurrent loans to loans | 0.1392% | 3,625 |
| Net loans and leases to total assets | 77.6790% | 485 |
| Net loans and leases to deposits | 86.9030% | 892 |
| Net loans and leases to core deposits | 103.3201% | 594 |
| Total domestic deposits to total assets | 89.3859% | 1,132 |
| Equity capital to assets | 9.9258% | 2,772 |
| Core capital (leverage) ratio | 10.3349% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4079% | 1,443 |
| Memoranda: | ||
| Average total assets | $348,457,500 | 2,197 |
| Average earning assets | $330,761,000 | 2,173 |
| Average equity | $34,748,500 | 2,315 |
| Average total loans | $267,760,000 | 1,888 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0340% | 2,625 |
| Cost of funding earning assets | 0.4840% | 3,051 |
| Net interest margin | 3.5501% | 2,313 |
| Noninterest income to average assets | 0.4805% | 2,722 |
| Noninterest expense to average assets | 3.2495% | 971 |
| Loan and lease loss provision to assets | 0.3257% | 1,114 |
| Net operating income to assets | 0.3377% | 4,383 |
| Return on assets (ROA) | 0.3773% | 4,373 |
| Pretax return on assets | 0.2689% | 4,585 |
| Return on Equity (ROE) | 3.6487% | 4,237 |
| Retained earnings to average equity (ytd only) | 3.2925% | 3,182 |
| Net charge-offs to loans | 0.3277% | 538 |
| Credit loss provision to net charge-offs | 142.0348% | 2,471 |
| Earnings coverage of net charge-offs (x) | 2.4203% | 3,168 |
| Efficiency ratio | 85.4099% | 551 |
| Assets per employee ($millions) | 4.8996% | 3,507 |
| Cash dividends to net income (ytd only)* | 9.7640% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 2,324 |
| Loan loss allowance to noncurrent loans | 1,110.1639% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0889% | 3,880 |
| Noncurrent loans to loans | 0.1188% | 3,810 |
| Net loans and leases to total assets | 73.8849% | 1,033 |
| Net loans and leases to deposits | 82.2855% | 1,633 |
| Net loans and leases to core deposits | 97.1846% | 1,051 |
| Total domestic deposits to total assets | 89.7909% | 641 |
| Equity capital to assets | 10.0198% | 3,120 |
| Core capital (leverage) ratio | 9.9078% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9989% | 1,262 |
| Memoranda: | ||
| Average total assets | $325,711,800 | 2,157 |
| Average earning assets | $304,981,000 | 2,144 |
| Average equity | $33,683,000 | 2,305 |
| Average total loans | $227,960,600 | 2,047 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0783% | 2,734 |
| Cost of funding earning assets | 0.5042% | 3,194 |
| Net interest margin | 3.5741% | 2,350 |
| Noninterest income to average assets | 0.4829% | 2,685 |
| Noninterest expense to average assets | 3.2910% | 918 |
| Loan and lease loss provision to assets | 0.3572% | 1,051 |
| Net operating income to assets | 0.3489% | 4,358 |
| Return on assets (ROA) | 0.3833% | 4,359 |
| Pretax return on assets | 0.2037% | 4,655 |
| Return on Equity (ROE) | 3.6761% | 4,249 |
| Retained earnings to average equity (ytd only) | 3.1987% | 3,433 |
| Net charge-offs to loans | 0.3249% | 482 |
| Credit loss provision to net charge-offs | 160.0372% | 2,268 |
| Earnings coverage of net charge-offs (x) | 2.3587% | 2,999 |
| Efficiency ratio | 86.2095% | 491 |
| Assets per employee ($millions) | 4.8967% | 3,379 |
| Cash dividends to net income (ytd only)* | 12.9870% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 1,593 |
| Loan loss allowance to noncurrent loans | 285.7744% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 2,752 |
| Noncurrent loans to loans | 0.5015% | 2,550 |
| Net loans and leases to total assets | 68.1224% | 2,229 |
| Net loans and leases to deposits | 75.8826% | 2,762 |
| Net loans and leases to core deposits | 89.1093% | 2,052 |
| Total domestic deposits to total assets | 89.7733% | 509 |
| Equity capital to assets | 9.9058% | 3,321 |
| Core capital (leverage) ratio | 9.7227% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2400% | 1,015 |
| Memoranda: | ||
| Average total assets | $321,397,250 | 2,163 |
| Average earning assets | $299,854,500 | 2,155 |
| Average equity | $33,512,500 | 2,303 |
| Average total loans | $220,753,500 | 2,104 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2703% | 2,544 |
| Cost of funding earning assets | 0.5413% | 3,284 |
| Net interest margin | 3.7290% | 2,053 |
| Noninterest income to average assets | 0.5091% | 2,528 |
| Noninterest expense to average assets | 3.2863% | 1,017 |
| Loan and lease loss provision to assets | 0.4671% | 811 |
| Net operating income to assets | 0.5078% | 3,998 |
| Return on assets (ROA) | 0.5607% | 3,937 |
| Pretax return on assets | 0.2762% | 4,562 |
| Return on Equity (ROE) | 5.2809% | 3,753 |
| Retained earnings to average equity (ytd only) | 4.5616% | 2,674 |
| Net charge-offs to loans | 0.4495% | 353 |
| Credit loss provision to net charge-offs | 151.6529% | 2,117 |
| Earnings coverage of net charge-offs (x) | 2.2417% | 2,795 |
| Efficiency ratio | 82.6372% | 717 |
| Assets per employee ($millions) | 4.9826% | 3,189 |
| Cash dividends to net income (ytd only)* | 13.6209% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,201 |
| Loan loss allowance to noncurrent loans | 376.6440% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 3,285 |
| Noncurrent loans to loans | 0.4042% | 2,957 |
| Net loans and leases to total assets | 62.5062% | 3,068 |
| Net loans and leases to deposits | 69.5816% | 3,451 |
| Net loans and leases to core deposits | 81.4292% | 2,824 |
| Total domestic deposits to total assets | 89.8315% | 446 |
| Equity capital to assets | 9.8636% | 3,317 |
| Core capital (leverage) ratio | 10.3513% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6842% | 812 |
| Memoranda: | ||
| Average total assets | $314,273,000 | 2,179 |
| Average earning assets | $292,251,333 | 2,175 |
| Average equity | $33,365,333 | 2,301 |
| Average total loans | $215,372,000 | 2,123 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5847% | 2,041 |
| Cost of funding earning assets | 0.6628% | 3,101 |
| Net interest margin | 3.9219% | 1,599 |
| Noninterest income to average assets | 0.5369% | 2,352 |
| Noninterest expense to average assets | 3.3428% | 1,149 |
| Loan and lease loss provision to assets | 0.5249% | 557 |
| Net operating income to assets | 0.2965% | 4,354 |
| Return on assets (ROA) | 0.4073% | 4,156 |
| Pretax return on assets | 0.4073% | 4,279 |
| Return on Equity (ROE) | 3.6866% | 4,040 |
| Retained earnings to average equity (ytd only) | 2.2362% | 3,356 |
| Net charge-offs to loans | 0.4394% | 331 |
| Credit loss provision to net charge-offs | 167.2340% | 1,523 |
| Earnings coverage of net charge-offs (x) | 2.6170% | 2,269 |
| Efficiency ratio | 80.2758% | 1,114 |
| Assets per employee ($millions) | 4.3352% | 3,491 |
| Cash dividends to net income (ytd only)* | 39.3443% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 1,359 |
| Loan loss allowance to noncurrent loans | 402.7431% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 3,402 |
| Noncurrent loans to loans | 0.3715% | 3,154 |
| Net loans and leases to total assets | 70.0702% | 2,246 |
| Net loans and leases to deposits | 78.9495% | 2,781 |
| Net loans and leases to core deposits | 91.4072% | 2,216 |
| Total domestic deposits to total assets | 88.7532% | 782 |
| Equity capital to assets | 10.9849% | 2,868 |
| Core capital (leverage) ratio | 11.3175% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2901% | 945 |
| Memoranda: | ||
| Average total assets | $299,510,500 | 2,210 |
| Average earning assets | $277,009,000 | 2,213 |
| Average equity | $33,092,500 | 2,298 |
| Average total loans | $213,949,500 | 2,091 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7594% | 2,168 |
| Cost of funding earning assets | 0.7763% | 2,790 |
| Net interest margin | 3.9832% | 1,903 |
| Noninterest income to average assets | 0.6507% | 2,004 |
| Noninterest expense to average assets | 3.4421% | 1,042 |
| Loan and lease loss provision to assets | 0.3343% | 471 |
| Net operating income to assets | 0.6017% | 4,155 |
| Return on assets (ROA) | 0.5908% | 4,244 |
| Pretax return on assets | 0.5908% | 4,426 |
| Return on Equity (ROE) | 5.3210% | 4,126 |
| Retained earnings to average equity (ytd only) | 2.9288% | 3,566 |
| Net charge-offs to loans | 0.2603% | 795 |
| Credit loss provision to net charge-offs | 180.0000% | 1,454 |
| Earnings coverage of net charge-offs (x) | 5.0396% | 3,139 |
| Efficiency ratio | 78.6217% | 1,076 |
| Assets per employee ($millions) | 4.3464% | 3,442 |
| Cash dividends to net income (ytd only)* | 44.9585% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 1,367 |
| Loan loss allowance to noncurrent loans | 402.6212% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 3,399 |
| Noncurrent loans to loans | 0.3599% | 3,161 |
| Net loans and leases to total assets | 70.7002% | 2,290 |
| Net loans and leases to deposits | 79.7990% | 2,803 |
| Net loans and leases to core deposits | 94.3748% | 2,024 |
| Total domestic deposits to total assets | 88.5978% | 842 |
| Equity capital to assets | 11.1146% | 2,894 |
| Core capital (leverage) ratio | 11.3562% | 2,211 |
| Tier 1 risk-based capital ratio | 17.5227% | 1,885 |
| Total risk-based capital ratio | 18.7776% | 1,834 |
| Memoranda: | ||
| Average total assets | $285,380,200 | 2,249 |
| Average earning assets | $267,048,400 | 2,232 |
| Average equity | $31,685,600 | 2,314 |
| Average total loans | $203,579,600 | 2,145 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 2,246 |
| Cost of funding earning assets | 0.7811% | 2,807 |
| Net interest margin | 3.9787% | 2,022 |
| Noninterest income to average assets | 0.6694% | 1,918 |
| Noninterest expense to average assets | 3.4516% | 1,007 |
| Loan and lease loss provision to assets | 0.4497% | 282 |
| Net operating income to assets | 0.4945% | 4,529 |
| Return on assets (ROA) | 0.4799% | 4,605 |
| Pretax return on assets | 0.4799% | 4,723 |
| Return on Equity (ROE) | 4.3234% | 4,526 |
| Retained earnings to average equity (ytd only) | 2.6798% | 4,018 |
| Net charge-offs to loans | 0.3104% | 561 |
| Credit loss provision to net charge-offs | 203.4115% | 1,296 |
| Earnings coverage of net charge-offs (x) | 4.2708% | 3,025 |
| Efficiency ratio | 78.5201% | 1,053 |
| Assets per employee ($millions) | 4.3888% | 3,356 |
| Cash dividends to net income (ytd only)* | 38.0159% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 1,003 |
| Loan loss allowance to noncurrent loans | 407.5423% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 3,472 |
| Noncurrent loans to loans | 0.3917% | 3,139 |
| Net loans and leases to total assets | 67.7261% | 2,829 |
| Net loans and leases to deposits | 76.7594% | 3,225 |
| Net loans and leases to core deposits | 88.5709% | 2,678 |
| Total domestic deposits to total assets | 88.2317% | 941 |
| Equity capital to assets | 11.3950% | 2,740 |
| Core capital (leverage) ratio | 11.7752% | 2,023 |
| Tier 1 risk-based capital ratio | 18.8288% | 1,601 |
| Total risk-based capital ratio | 20.0856% | 1,569 |
| Memoranda: | ||
| Average total assets | $282,835,750 | 2,279 |
| Average earning assets | $264,906,500 | 2,258 |
| Average equity | $31,394,500 | 2,343 |
| Average total loans | $201,466,500 | 2,169 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7413% | 2,250 |
| Cost of funding earning assets | 0.8086% | 2,600 |
| Net interest margin | 3.9326% | 2,144 |
| Noninterest income to average assets | 0.6248% | 2,041 |
| Noninterest expense to average assets | 3.4189% | 1,071 |
| Loan and lease loss provision to assets | 0.6056% | 185 |
| Net operating income to assets | 0.2837% | 4,894 |
| Return on assets (ROA) | 0.2709% | 4,926 |
| Pretax return on assets | 0.2709% | 4,960 |
| Return on Equity (ROE) | 2.4626% | 4,880 |
| Retained earnings to average equity (ytd only) | 0.7672% | 4,497 |
| Net charge-offs to loans | 0.4479% | 361 |
| Credit loss provision to net charge-offs | 187.6923% | 1,271 |
| Earnings coverage of net charge-offs (x) | 2.7560% | 2,907 |
| Efficiency ratio | 79.3580% | 1,025 |
| Assets per employee ($millions) | 4.1634% | 3,629 |
| Cash dividends to net income (ytd only)* | 68.8482% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,274 |
| Loan loss allowance to noncurrent loans | 355.5426% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 3,334 |
| Noncurrent loans to loans | 0.4222% | 3,014 |
| Net loans and leases to total assets | 70.6147% | 2,448 |
| Net loans and leases to deposits | 79.8819% | 2,968 |
| Net loans and leases to core deposits | 90.3151% | 2,573 |
| Total domestic deposits to total assets | 88.3989% | 923 |
| Equity capital to assets | 11.2599% | 2,808 |
| Core capital (leverage) ratio | 11.1941% | 2,425 |
| Tier 1 risk-based capital ratio | 17.9698% | 1,816 |
| Total risk-based capital ratio | 19.2256% | 1,765 |
| Memoranda: | ||
| Average total assets | $282,023,000 | 2,285 |
| Average earning assets | $264,149,670 | 2,276 |
| Average equity | $31,023,670 | 2,354 |
| Average total loans | $203,175,670 | 2,165 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 2,613 |
| Cost of funding earning assets | 0.8236% | 2,404 |
| Net interest margin | 3.7548% | 2,691 |
| Noninterest income to average assets | 0.6267% | 1,929 |
| Noninterest expense to average assets | 3.0013% | 1,993 |
| Loan and lease loss provision to assets | 0.9763% | 86 |
| Net operating income to assets | 0.1734% | 5,030 |
| Return on assets (ROA) | 0.1620% | 5,048 |
| Pretax return on assets | 0.1620% | 5,063 |
| Return on Equity (ROE) | 1.4904% | 5,027 |
| Retained earnings to average equity (ytd only) | -0.4314% | 4,589 |
| Net charge-offs to loans | 0.8894% | 160 |
| Credit loss provision to net charge-offs | 151.9912% | 1,224 |
| Earnings coverage of net charge-offs (x) | 1.7898% | 2,557 |
| Efficiency ratio | 72.3040% | 1,988 |
| Assets per employee ($millions) | 4.2775% | 3,515 |
| Cash dividends to net income (ytd only)* | 128.9474% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 1,607 |
| Loan loss allowance to noncurrent loans | 334.0672% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 3,387 |
| Noncurrent loans to loans | 0.4244% | 3,067 |
| Net loans and leases to total assets | 71.0144% | 2,324 |
| Net loans and leases to deposits | 86.9398% | 2,006 |
| Net loans and leases to core deposits | 97.8462% | 1,788 |
| Total domestic deposits to total assets | 81.6822% | 3,802 |
| Equity capital to assets | 10.9962% | 2,854 |
| Core capital (leverage) ratio | 11.4705% | 2,154 |
| Tier 1 risk-based capital ratio | 17.4365% | 1,958 |
| Total risk-based capital ratio | 18.6905% | 1,904 |
| Memoranda: | ||
| Average total assets | $281,479,000 | 2,304 |
| Average earning assets | $264,198,500 | 2,290 |
| Average equity | $30,596,500 | 2,379 |
| Average total loans | $203,281,000 | 2,187 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 2,814 |
| Cost of funding earning assets | 0.5181% | 3,238 |
| Net interest margin | 3.8676% | 2,433 |
| Noninterest income to average assets | 0.5905% | 2,349 |
| Noninterest expense to average assets | 2.9353% | 2,230 |
| Loan and lease loss provision to assets | 0.3237% | 493 |
| Net operating income to assets | 1.0061% | 2,980 |
| Return on assets (ROA) | 1.0065% | 2,966 |
| Pretax return on assets | 1.0065% | 3,574 |
| Return on Equity (ROE) | 9.2641% | 2,849 |
| Retained earnings to average equity (ytd only) | 4.8735% | 2,848 |
| Net charge-offs to loans | 0.1514% | 1,266 |
| Credit loss provision to net charge-offs | 319.8529% | 978 |
| Earnings coverage of net charge-offs (x) | 13.1397% | 2,483 |
| Efficiency ratio | 68.8214% | 2,417 |
| Assets per employee ($millions) | 4.5265% | 3,126 |
| Cash dividends to net income (ytd only)* | 47.3937% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 2,022 |
| Loan loss allowance to noncurrent loans | 1,447.5410% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 4,507 |
| Noncurrent loans to loans | 0.0901% | 4,344 |
| Net loans and leases to total assets | 71.4594% | 2,357 |
| Net loans and leases to deposits | 87.2777% | 2,137 |
| Net loans and leases to core deposits | 96.6147% | 2,004 |
| Total domestic deposits to total assets | 81.8758% | 3,675 |
| Equity capital to assets | 10.7429% | 2,938 |
| Core capital (leverage) ratio | 11.2467% | 2,309 |
| Tier 1 risk-based capital ratio | 17.3130% | 1,946 |
| Total risk-based capital ratio | 18.5650% | 1,904 |
| Memoranda: | ||
| Average total assets | $268,759,800 | 2,344 |
| Average earning assets | $255,354,000 | 2,299 |
| Average equity | $29,198,800 | 2,382 |
| Average total loans | $179,688,800 | 2,338 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 3,023 |
| Cost of funding earning assets | 0.4409% | 3,592 |
| Net interest margin | 3.8438% | 2,489 |
| Noninterest income to average assets | 0.5929% | 2,347 |
| Noninterest expense to average assets | 3.0013% | 2,013 |
| Loan and lease loss provision to assets | 0.2674% | 573 |
| Net operating income to assets | 0.9887% | 3,136 |
| Return on assets (ROA) | 0.9892% | 3,139 |
| Pretax return on assets | 0.9892% | 3,750 |
| Return on Equity (ROE) | 9.0786% | 3,044 |
| Retained earnings to average equity (ytd only) | 4.9996% | 3,232 |
| Net charge-offs to loans | 0.0361% | 2,360 |
| Credit loss provision to net charge-offs | 1,134.0426% | 369 |
| Earnings coverage of net charge-offs (x) | 53.2724% | 1,133 |
| Efficiency ratio | 70.4961% | 2,119 |
| Assets per employee ($millions) | 4.5368% | 3,066 |
| Cash dividends to net income (ytd only)* | 44.9288% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 2,016 |
| Loan loss allowance to noncurrent loans | 532.9832% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 4,092 |
| Noncurrent loans to loans | 0.2472% | 3,803 |
| Net loans and leases to total assets | 68.6672% | 2,844 |
| Net loans and leases to deposits | 83.8261% | 2,619 |
| Net loans and leases to core deposits | 92.5009% | 2,433 |
| Total domestic deposits to total assets | 81.9162% | 3,640 |
| Equity capital to assets | 10.4887% | 3,158 |
| Core capital (leverage) ratio | 11.5290% | 2,146 |
| Tier 1 risk-based capital ratio | 17.7108% | 1,867 |
| Total risk-based capital ratio | 18.9628% | 1,825 |
| Memoranda: | ||
| Average total assets | $265,789,250 | 2,377 |
| Average earning assets | $253,387,250 | 2,331 |
| Average equity | $28,961,250 | 2,407 |
| Average total loans | $173,812,500 | 2,403 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 3,266 |
| Cost of funding earning assets | 0.3655% | 3,973 |
| Net interest margin | 3.7871% | 2,608 |
| Noninterest income to average assets | 0.6027% | 2,308 |
| Noninterest expense to average assets | 3.0732% | 1,849 |
| Loan and lease loss provision to assets | 0.2457% | 626 |
| Net operating income to assets | 0.9049% | 3,436 |
| Return on assets (ROA) | 0.9056% | 3,440 |
| Pretax return on assets | 0.9056% | 3,947 |
| Return on Equity (ROE) | 8.2034% | 3,415 |
| Retained earnings to average equity (ytd only) | 4.5751% | 3,306 |
| Net charge-offs to loans | 0.0012% | 3,174 |
| Credit loss provision to net charge-offs | 32,200.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 1,508.0000% | 50 |
| Efficiency ratio | 72.7601% | 1,875 |
| Assets per employee ($millions) | 4.3767% | 3,313 |
| Cash dividends to net income (ytd only)* | 44.2291% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 2,057 |
| Loan loss allowance to noncurrent loans | 656.7867% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 4,333 |
| Noncurrent loans to loans | 0.2017% | 3,999 |
| Net loans and leases to total assets | 65.0976% | 3,265 |
| Net loans and leases to deposits | 79.6732% | 2,982 |
| Net loans and leases to core deposits | 86.0529% | 2,921 |
| Total domestic deposits to total assets | 81.7058% | 3,805 |
| Equity capital to assets | 10.6175% | 3,012 |
| Core capital (leverage) ratio | 11.8971% | 1,778 |
| Tier 1 risk-based capital ratio | 18.6166% | 1,647 |
| Total risk-based capital ratio | 19.8688% | 1,609 |
| Memoranda: | ||
| Average total assets | $262,137,330 | 2,403 |
| Average earning assets | $250,639,670 | 2,352 |
| Average equity | $28,939,330 | 2,418 |
| Average total loans | $167,560,000 | 2,483 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 3,375 |
| Cost of funding earning assets | 0.3331% | 4,114 |
| Net interest margin | 3.7272% | 2,700 |
| Noninterest income to average assets | 0.6135% | 2,197 |
| Noninterest expense to average assets | 3.0257% | 2,008 |
| Loan and lease loss provision to assets | 0.2501% | 592 |
| Net operating income to assets | 0.9009% | 3,286 |
| Return on assets (ROA) | 0.9024% | 3,282 |
| Pretax return on assets | 0.9024% | 3,846 |
| Return on Equity (ROE) | 8.0128% | 3,362 |
| Retained earnings to average equity (ytd only) | 4.5512% | 3,384 |
| Net charge-offs to loans | 0.0074% | 2,476 |
| Credit loss provision to net charge-offs | 5,366.6667% | 60 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 274 |
| Efficiency ratio | 72.4433% | 2,129 |
| Assets per employee ($millions) | 4.1840% | 3,679 |
| Cash dividends to net income (ytd only)* | 43.2014% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 2,012 |
| Loan loss allowance to noncurrent loans | 1,443.1373% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 4,799 |
| Noncurrent loans to loans | 0.0937% | 4,556 |
| Net loans and leases to total assets | 62.1188% | 3,535 |
| Net loans and leases to deposits | 69.9897% | 3,785 |
| Net loans and leases to core deposits | 74.7819% | 3,758 |
| Total domestic deposits to total assets | 88.7541% | 1,231 |
| Equity capital to assets | 11.0562% | 2,527 |
| Core capital (leverage) ratio | 12.0052% | 1,647 |
| Tier 1 risk-based capital ratio | 20.1709% | 1,316 |
| Total risk-based capital ratio | 21.4228% | 1,286 |
| Memoranda: | ||
| Average total assets | $257,529,000 | 2,462 |
| Average earning assets | $246,190,000 | 2,410 |
| Average equity | $29,003,500 | 2,434 |
| Average total loans | $161,832,000 | 2,552 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 3,681 |
| Cost of funding earning assets | 0.2702% | 4,392 |
| Net interest margin | 3.6420% | 3,016 |
| Noninterest income to average assets | 0.6375% | 2,258 |
| Noninterest expense to average assets | 3.0257% | 2,084 |
| Loan and lease loss provision to assets | 0.1023% | 2,179 |
| Net operating income to assets | 0.9733% | 2,355 |
| Return on assets (ROA) | 0.9800% | 2,366 |
| Pretax return on assets | 0.9800% | 3,644 |
| Return on Equity (ROE) | 9.7157% | 2,008 |
| Retained earnings to average equity (ytd only) | 5.3730% | 1,881 |
| Net charge-offs to loans | 0.0121% | 3,657 |
| Credit loss provision to net charge-offs | 1,505.8824% | 261 |
| Earnings coverage of net charge-offs (x) | 158.2941% | 460 |
| Efficiency ratio | 73.7745% | 1,927 |
| Assets per employee ($millions) | 4.3330% | 3,438 |
| Cash dividends to net income (ytd only)* | 44.6982% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 2,325 |
| Loan loss allowance to noncurrent loans | 1,464.2857% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 4,861 |
| Noncurrent loans to loans | 0.0873% | 4,611 |
| Net loans and leases to total assets | 61.9068% | 3,636 |
| Net loans and leases to deposits | 70.1312% | 3,863 |
| Net loans and leases to core deposits | 75.0471% | 3,809 |
| Total domestic deposits to total assets | 88.2729% | 1,360 |
| Equity capital to assets | 11.4713% | 2,223 |
| Core capital (leverage) ratio | 11.7516% | 1,759 |
| Tier 1 risk-based capital ratio | 20.4148% | 1,247 |
| Total risk-based capital ratio | 21.6662% | 1,217 |
| Memoranda: | ||
| Average total assets | $250,192,200 | 2,492 |
| Average earning assets | $237,945,000 | 2,444 |
| Average equity | $25,237,400 | 2,660 |
| Average total loans | $140,195,600 | 2,779 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8580% | 3,804 |
| Cost of funding earning assets | 0.2647% | 4,440 |
| Net interest margin | 3.5933% | 3,177 |
| Noninterest income to average assets | 0.6355% | 2,280 |
| Noninterest expense to average assets | 3.0778% | 1,864 |
| Loan and lease loss provision to assets | 0.1029% | 2,057 |
| Net operating income to assets | 0.8659% | 3,196 |
| Return on assets (ROA) | 0.8750% | 3,197 |
| Pretax return on assets | 0.8750% | 4,125 |
| Return on Equity (ROE) | 8.9914% | 2,605 |
| Retained earnings to average equity (ytd only) | 5.5171% | 2,530 |
| Net charge-offs to loans | -0.1322% | 5,450 |
| Credit loss provision to net charge-offs | -143.2836% | 4,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0593% | 1,579 |
| Assets per employee ($millions) | 4.4898% | 3,168 |
| Cash dividends to net income (ytd only)* | 38.6404% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 1,737 |
| Loan loss allowance to noncurrent loans | 1,003.2864% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 4,827 |
| Noncurrent loans to loans | 0.1436% | 4,479 |
| Net loans and leases to total assets | 56.1540% | 4,224 |
| Net loans and leases to deposits | 63.6394% | 4,405 |
| Net loans and leases to core deposits | 68.3254% | 4,346 |
| Total domestic deposits to total assets | 88.2377% | 1,236 |
| Equity capital to assets | 11.4627% | 2,411 |
| Core capital (leverage) ratio | 11.4784% | 2,035 |
| Tier 1 risk-based capital ratio | 21.0444% | 1,189 |
| Total risk-based capital ratio | 22.2976% | 1,162 |
| Memoranda: | ||
| Average total assets | $248,828,500 | 2,515 |
| Average earning assets | $236,211,500 | 2,472 |
| Average equity | $24,215,250 | 2,761 |
| Average total loans | $135,166,250 | 2,863 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8142% | 3,844 |
| Cost of funding earning assets | 0.2646% | 4,422 |
| Net interest margin | 3.5496% | 3,213 |
| Noninterest income to average assets | 0.6466% | 2,224 |
| Noninterest expense to average assets | 3.0690% | 1,914 |
| Loan and lease loss provision to assets | 0.1045% | 1,938 |
| Net operating income to assets | 0.8352% | 3,220 |
| Return on assets (ROA) | 0.8491% | 3,208 |
| Pretax return on assets | 0.8491% | 4,102 |
| Return on Equity (ROE) | 9.3119% | 2,354 |
| Retained earnings to average equity (ytd only) | 5.3633% | 2,487 |
| Net charge-offs to loans | 0.0826% | 1,785 |
| Credit loss provision to net charge-offs | 237.0370% | 1,121 |
| Earnings coverage of net charge-offs (x) | 21.3148% | 1,758 |
| Efficiency ratio | 76.5580% | 1,638 |
| Assets per employee ($millions) | 4.1716% | 3,676 |
| Cash dividends to net income (ytd only)* | 42.4038% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 2,231 |
| Loan loss allowance to noncurrent loans | 1,282.3129% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 4,984 |
| Noncurrent loans to loans | 0.1045% | 4,713 |
| Net loans and leases to total assets | 53.6696% | 4,425 |
| Net loans and leases to deposits | 60.7963% | 4,573 |
| Net loans and leases to core deposits | 65.4724% | 4,511 |
| Total domestic deposits to total assets | 88.2778% | 1,317 |
| Equity capital to assets | 11.4426% | 2,374 |
| Core capital (leverage) ratio | 11.8909% | 1,699 |
| Tier 1 risk-based capital ratio | 21.5466% | 1,109 |
| Total risk-based capital ratio | 22.7981% | 1,088 |
| Memoranda: | ||
| Average total assets | $244,968,330 | 2,555 |
| Average earning assets | $232,025,670 | 2,507 |
| Average equity | $22,337,000 | 2,942 |
| Average total loans | $130,766,000 | 2,935 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 3,706 |
| Cost of funding earning assets | 0.2692% | 4,364 |
| Net interest margin | 3.5472% | 3,091 |
| Noninterest income to average assets | 0.6753% | 2,060 |
| Noninterest expense to average assets | 3.0168% | 2,123 |
| Loan and lease loss provision to assets | 0.1075% | 1,778 |
| Net operating income to assets | 0.8936% | 2,797 |
| Return on assets (ROA) | 0.8936% | 2,841 |
| Pretax return on assets | 0.8936% | 3,795 |
| Return on Equity (ROE) | 11.3748% | 1,441 |
| Retained earnings to average equity (ytd only) | 6.4144% | 2,132 |
| Net charge-offs to loans | 0.1494% | 1,066 |
| Credit loss provision to net charge-offs | 136.1702% | 1,282 |
| Earnings coverage of net charge-offs (x) | 12.6809% | 1,832 |
| Efficiency ratio | 75.0836% | 2,056 |
| Assets per employee ($millions) | 4.4313% | 3,279 |
| Cash dividends to net income (ytd only)* | 43.6090% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 2,006 |
| Loan loss allowance to noncurrent loans | 1,536.1345% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 5,109 |
| Noncurrent loans to loans | 0.0923% | 4,822 |
| Net loans and leases to total assets | 51.2343% | 4,571 |
| Net loans and leases to deposits | 55.6383% | 4,840 |
| Net loans and leases to core deposits | 59.9911% | 4,778 |
| Total domestic deposits to total assets | 92.0846% | 94 |
| Equity capital to assets | 7.7332% | 5,622 |
| Core capital (leverage) ratio | 8.5373% | 5,204 |
| Tier 1 risk-based capital ratio | 15.0506% | 2,945 |
| Total risk-based capital ratio | 16.3021% | 2,872 |
| Memoranda: | ||
| Average total assets | $238,133,500 | 2,635 |
| Average earning assets | $224,404,000 | 2,602 |
| Average equity | $18,708,000 | 3,321 |
| Average total loans | $125,801,500 | 3,028 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5653% | 4,603 |
| Cost of funding earning assets | 0.2595% | 4,471 |
| Net interest margin | 3.3058% | 4,129 |
| Noninterest income to average assets | 0.7010% | 2,164 |
| Noninterest expense to average assets | 3.0185% | 2,292 |
| Loan and lease loss provision to assets | 0.1548% | 1,612 |
| Net operating income to assets | 0.6830% | 3,859 |
| Return on assets (ROA) | 0.7257% | 3,775 |
| Pretax return on assets | 0.7257% | 4,407 |
| Return on Equity (ROE) | 8.7991% | 2,516 |
| Retained earnings to average equity (ytd only) | 4.4458% | 2,747 |
| Net charge-offs to loans | 0.0308% | 3,406 |
| Credit loss provision to net charge-offs | 1,078.1250% | 362 |
| Earnings coverage of net charge-offs (x) | 58.3438% | 916 |
| Efficiency ratio | 78.2730% | 1,657 |
| Assets per employee ($millions) | 4.0021% | 3,962 |
| Cash dividends to net income (ytd only)* | 49.4743% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 1,768 |
| Loan loss allowance to noncurrent loans | 707.4219% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 4,863 |
| Noncurrent loans to loans | 0.2087% | 4,407 |
| Net loans and leases to total assets | 52.9667% | 4,530 |
| Net loans and leases to deposits | 57.7305% | 4,812 |
| Net loans and leases to core deposits | 62.6769% | 4,714 |
| Total domestic deposits to total assets | 91.7481% | 134 |
| Equity capital to assets | 7.9898% | 5,566 |
| Core capital (leverage) ratio | 8.5038% | 5,259 |
| Tier 1 risk-based capital ratio | 15.7160% | 2,665 |
| Total risk-based capital ratio | 16.9675% | 2,589 |
| Memoranda: | ||
| Average total assets | $222,825,800 | 2,734 |
| Average earning assets | $212,690,000 | 2,674 |
| Average equity | $18,376,800 | 3,360 |
| Average total loans | $104,053,400 | 3,313 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5136% | 4,771 |
| Cost of funding earning assets | 0.2550% | 4,560 |
| Net interest margin | 3.2586% | 4,320 |
| Noninterest income to average assets | 0.7037% | 2,150 |
| Noninterest expense to average assets | 3.0229% | 2,251 |
| Loan and lease loss provision to assets | 0.1535% | 1,521 |
| Net operating income to assets | 0.6350% | 4,153 |
| Return on assets (ROA) | 0.6681% | 4,130 |
| Pretax return on assets | 0.6681% | 4,694 |
| Return on Equity (ROE) | 8.0369% | 2,985 |
| Retained earnings to average equity (ytd only) | 4.0764% | 3,401 |
| Net charge-offs to loans | 0.0362% | 2,904 |
| Credit loss provision to net charge-offs | 944.4444% | 435 |
| Earnings coverage of net charge-offs (x) | 48.5172% | 1,098 |
| Efficiency ratio | 79.3114% | 1,522 |
| Assets per employee ($millions) | 4.1874% | 3,614 |
| Cash dividends to net income (ytd only)* | 49.2797% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 1,827 |
| Loan loss allowance to noncurrent loans | 1,628.3019% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 5,292 |
| Noncurrent loans to loans | 0.0910% | 4,983 |
| Net loans and leases to total assets | 48.9172% | 4,900 |
| Net loans and leases to deposits | 53.7023% | 5,128 |
| Net loans and leases to core deposits | 58.4369% | 5,024 |
| Total domestic deposits to total assets | 91.0897% | 171 |
| Equity capital to assets | 8.6630% | 5,424 |
| Core capital (leverage) ratio | 8.2651% | 5,524 |
| Tier 1 risk-based capital ratio | 15.5478% | 2,810 |
| Total risk-based capital ratio | 16.7994% | 2,745 |
| Memoranda: | ||
| Average total assets | $221,503,000 | 2,750 |
| Average earning assets | $211,252,750 | 2,691 |
| Average equity | $18,414,500 | 3,381 |
| Average total loans | $99,407,500 | 3,406 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4657% | 4,950 |
| Cost of funding earning assets | 0.2596% | 4,553 |
| Net interest margin | 3.2060% | 4,523 |
| Noninterest income to average assets | 0.7036% | 2,128 |
| Noninterest expense to average assets | 3.0022% | 2,336 |
| Loan and lease loss provision to assets | 0.1096% | 2,041 |
| Net operating income to assets | 0.6511% | 4,037 |
| Return on assets (ROA) | 0.7017% | 3,932 |
| Pretax return on assets | 0.7017% | 4,614 |
| Return on Equity (ROE) | 8.5708% | 2,713 |
| Retained earnings to average equity (ytd only) | 5.7251% | 2,282 |
| Net charge-offs to loans | 0.0789% | 2,066 |
| Credit loss provision to net charge-offs | 321.6216% | 914 |
| Earnings coverage of net charge-offs (x) | 22.3243% | 1,633 |
| Efficiency ratio | 79.7846% | 1,520 |
| Assets per employee ($millions) | 4.2711% | 3,427 |
| Cash dividends to net income (ytd only)* | 33.2021% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 1,923 |
| Loan loss allowance to noncurrent loans | 2,872.7273% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 5,497 |
| Noncurrent loans to loans | 0.0517% | 5,256 |
| Net loans and leases to total assets | 45.4590% | 5,161 |
| Net loans and leases to deposits | 49.8630% | 5,342 |
| Net loans and leases to core deposits | 54.3285% | 5,260 |
| Total domestic deposits to total assets | 91.1677% | 161 |
| Equity capital to assets | 8.6025% | 5,532 |
| Core capital (leverage) ratio | 8.7694% | 5,094 |
| Tier 1 risk-based capital ratio | 16.3759% | 2,473 |
| Total risk-based capital ratio | 17.6268% | 2,416 |
| Memoranda: | ||
| Average total assets | $217,173,330 | 2,803 |
| Average earning assets | $207,233,330 | 2,742 |
| Average equity | $17,781,330 | 3,475 |
| Average total loans | $93,732,330 | 3,528 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4618% | 4,978 |
| Cost of funding earning assets | 0.2649% | 4,550 |
| Net interest margin | 3.1969% | 4,592 |
| Noninterest income to average assets | 0.7375% | 1,866 |
| Noninterest expense to average assets | 3.0546% | 2,228 |
| Loan and lease loss provision to assets | 0.1140% | 1,836 |
| Net operating income to assets | 0.6197% | 4,096 |
| Return on assets (ROA) | 0.7223% | 3,721 |
| Pretax return on assets | 0.7223% | 4,445 |
| Return on Equity (ROE) | 9.0738% | 2,394 |
| Retained earnings to average equity (ytd only) | 5.5159% | 2,635 |
| Net charge-offs to loans | 0.1831% | 1,062 |
| Credit loss provision to net charge-offs | 150.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 9.6500% | 1,975 |
| Efficiency ratio | 80.6322% | 1,532 |
| Assets per employee ($millions) | 3.8235% | 4,256 |
| Cash dividends to net income (ytd only)* | 39.2105% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 1,428 |
| Loan loss allowance to noncurrent loans | 2,168.5714% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 5,509 |
| Noncurrent loans to loans | 0.0770% | 5,167 |
| Net loans and leases to total assets | 42.4866% | 5,327 |
| Net loans and leases to deposits | 46.4405% | 5,492 |
| Net loans and leases to core deposits | 50.9951% | 5,405 |
| Total domestic deposits to total assets | 91.4861% | 158 |
| Equity capital to assets | 8.2899% | 5,700 |
| Core capital (leverage) ratio | 8.1600% | 5,675 |
| Tier 1 risk-based capital ratio | 15.5651% | 2,881 |
| Total risk-based capital ratio | 16.8159% | 2,814 |
| Memoranda: | ||
| Average total assets | $210,439,500 | 2,889 |
| Average earning assets | $200,818,500 | 2,815 |
| Average equity | $16,751,500 | 3,624 |
| Average total loans | $87,385,000 | 3,666 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3721% | 5,217 |
| Cost of funding earning assets | 0.2814% | 4,473 |
| Net interest margin | 3.0906% | 4,923 |
| Noninterest income to average assets | 0.7245% | 2,093 |
| Noninterest expense to average assets | 3.0803% | 2,298 |
| Loan and lease loss provision to assets | 0.0053% | 4,281 |
| Net operating income to assets | 0.5892% | 4,331 |
| Return on assets (ROA) | 0.6062% | 4,341 |
| Pretax return on assets | 0.6062% | 4,820 |
| Return on Equity (ROE) | 7.7150% | 3,124 |
| Retained earnings to average equity (ytd only) | 4.6413% | 2,684 |
| Net charge-offs to loans | -0.0049% | 4,974 |
| Credit loss provision to net charge-offs | -275.0000% | 5,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8216% | 1,193 |
| Assets per employee ($millions) | 3.7605% | 4,357 |
| Cash dividends to net income (ytd only)* | 39.8400% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 1,160 |
| Loan loss allowance to noncurrent loans | 1,544.3299% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 5,493 |
| Noncurrent loans to loans | 0.1156% | 5,034 |
| Net loans and leases to total assets | 39.1325% | 5,566 |
| Net loans and leases to deposits | 42.4930% | 5,695 |
| Net loans and leases to core deposits | 46.7078% | 5,616 |
| Total domestic deposits to total assets | 92.0916% | 104 |
| Equity capital to assets | 7.6311% | 5,962 |
| Core capital (leverage) ratio | 8.0364% | 5,819 |
| Tier 1 risk-based capital ratio | 16.0367% | 2,673 |
| Total risk-based capital ratio | 17.2887% | 2,613 |
| Memoranda: | ||
| Average total assets | $206,216,200 | 2,888 |
| Average earning assets | $196,852,400 | 2,814 |
| Average equity | $16,202,200 | 3,643 |
| Average total loans | $80,854,200 | 3,799 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3129% | 5,383 |
| Cost of funding earning assets | 0.2887% | 4,463 |
| Net interest margin | 3.0242% | 5,140 |
| Noninterest income to average assets | 0.7234% | 2,135 |
| Noninterest expense to average assets | 3.1109% | 2,193 |
| Loan and lease loss provision to assets | 0.0072% | 4,113 |
| Net operating income to assets | 0.4920% | 4,818 |
| Return on assets (ROA) | 0.5148% | 4,824 |
| Pretax return on assets | 0.5148% | 5,186 |
| Return on Equity (ROE) | 6.5042% | 3,903 |
| Retained earnings to average equity (ytd only) | 4.2294% | 3,454 |
| Net charge-offs to loans | 0.0300% | 3,336 |
| Credit loss provision to net charge-offs | 61.1111% | 2,896 |
| Earnings coverage of net charge-offs (x) | 42.6654% | 1,175 |
| Efficiency ratio | 86.1721% | 992 |
| Assets per employee ($millions) | 3.7746% | 4,314 |
| Cash dividends to net income (ytd only)* | 34.9745% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 1,320 |
| Loan loss allowance to noncurrent loans | 2,894.1176% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 5,701 |
| Noncurrent loans to loans | 0.0611% | 5,374 |
| Net loans and leases to total assets | 39.4638% | 5,624 |
| Net loans and leases to deposits | 43.0661% | 5,758 |
| Net loans and leases to core deposits | 47.4648% | 5,675 |
| Total domestic deposits to total assets | 91.6355% | 135 |
| Equity capital to assets | 8.0514% | 5,943 |
| Core capital (leverage) ratio | 7.8612% | 5,961 |
| Tier 1 risk-based capital ratio | 15.6998% | 2,954 |
| Total risk-based capital ratio | 16.9516% | 2,887 |
| Memoranda: | ||
| Average total assets | $205,123,500 | 2,922 |
| Average earning assets | $195,792,750 | 2,844 |
| Average equity | $16,235,250 | 3,671 |
| Average total loans | $80,091,250 | 3,854 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2277% | 5,572 |
| Cost of funding earning assets | 0.2944% | 4,449 |
| Net interest margin | 2.9334% | 5,375 |
| Noninterest income to average assets | 0.7127% | 2,166 |
| Noninterest expense to average assets | 3.1777% | 2,039 |
| Loan and lease loss provision to assets | 0.0108% | 3,892 |
| Net operating income to assets | 0.3240% | 5,373 |
| Return on assets (ROA) | 0.3583% | 5,380 |
| Pretax return on assets | 0.3583% | 5,554 |
| Return on Equity (ROE) | 4.5536% | 4,801 |
| Retained earnings to average equity (ytd only) | 3.0357% | 4,111 |
| Net charge-offs to loans | 0.0405% | 2,875 |
| Credit loss provision to net charge-offs | 68.7500% | 2,475 |
| Earnings coverage of net charge-offs (x) | 21.3750% | 1,675 |
| Efficiency ratio | 90.4682% | 717 |
| Assets per employee ($millions) | 3.8881% | 4,098 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8506% | 1,265 |
| Loan loss allowance to noncurrent loans | 1,523.7113% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 5,670 |
| Noncurrent loans to loans | 0.1215% | 5,272 |
| Net loans and leases to total assets | 38.0407% | 5,738 |
| Net loans and leases to deposits | 41.2427% | 5,865 |
| Net loans and leases to core deposits | 45.2496% | 5,791 |
| Total domestic deposits to total assets | 92.2361% | 103 |
| Equity capital to assets | 7.5222% | 6,113 |
| Core capital (leverage) ratio | 7.8418% | 5,997 |
| Tier 1 risk-based capital ratio | 16.4412% | 2,639 |
| Total risk-based capital ratio | 17.6932% | 2,598 |
| Memoranda: | ||
| Average total assets | $204,297,000 | 2,950 |
| Average earning assets | $194,997,670 | 2,877 |
| Average equity | $16,075,330 | 3,708 |
| Average total loans | $78,987,000 | 3,914 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1829% | 5,674 |
| Cost of funding earning assets | 0.3051% | 4,385 |
| Net interest margin | 2.8778% | 5,494 |
| Noninterest income to average assets | 0.6961% | 2,176 |
| Noninterest expense to average assets | 3.1129% | 2,231 |
| Loan and lease loss provision to assets | 0.0216% | 3,432 |
| Net operating income to assets | 0.3068% | 5,390 |
| Return on assets (ROA) | 0.3756% | 5,281 |
| Pretax return on assets | 0.3756% | 5,479 |
| Return on Equity (ROE) | 4.6692% | 4,677 |
| Retained earnings to average equity (ytd only) | 2.5424% | 4,415 |
| Net charge-offs to loans | -0.0204% | 5,056 |
| Credit loss provision to net charge-offs | -275.0000% | 4,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4571% | 819 |
| Assets per employee ($millions) | 3.8322% | 4,287 |
| Cash dividends to net income (ytd only)* | 45.5497% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9010% | 1,284 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 5,723 |
| Noncurrent loans to loans | 0.1358% | 5,290 |
| Net loans and leases to total assets | 38.0594% | 5,719 |
| Net loans and leases to deposits | 41.5588% | 5,857 |
| Net loans and leases to core deposits | 46.3335% | 5,740 |
| Total domestic deposits to total assets | 91.5798% | 215 |
| Equity capital to assets | 8.2194% | 5,924 |
| Core capital (leverage) ratio | 8.0341% | 5,925 |
| Tier 1 risk-based capital ratio | 16.5846% | 2,650 |
| Total risk-based capital ratio | 17.8379% | 2,598 |
| Memoranda: | ||
| Average total assets | $203,411,000 | 2,973 |
| Average earning assets | $194,035,000 | 2,906 |
| Average equity | $16,362,500 | 3,684 |
| Average total loans | $78,546,500 | 3,946 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4610% | 5,415 |
| Cost of funding earning assets | 0.3524% | 4,227 |
| Net interest margin | 3.1085% | 5,181 |
| Noninterest income to average assets | 0.7619% | 2,027 |
| Noninterest expense to average assets | 3.0617% | 2,650 |
| Loan and lease loss provision to assets | 0.0439% | 3,691 |
| Net operating income to assets | 0.5995% | 4,369 |
| Return on assets (ROA) | 0.6314% | 4,335 |
| Pretax return on assets | 0.6314% | 4,839 |
| Return on Equity (ROE) | 8.3282% | 2,949 |
| Retained earnings to average equity (ytd only) | 3.9471% | 3,403 |
| Net charge-offs to loans | -0.1157% | 6,150 |
| Credit loss provision to net charge-offs | -100.0000% | 5,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6357% | 1,577 |
| Assets per employee ($millions) | 3.8437% | 4,261 |
| Cash dividends to net income (ytd only)* | 52.6055% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8941% | 1,331 |
| Loan loss allowance to noncurrent loans | 1,765.4762% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 5,871 |
| Noncurrent loans to loans | 0.1073% | 5,469 |
| Net loans and leases to total assets | 37.7049% | 5,868 |
| Net loans and leases to deposits | 42.0797% | 5,968 |
| Net loans and leases to core deposits | 47.5057% | 5,838 |
| Total domestic deposits to total assets | 89.6037% | 923 |
| Equity capital to assets | 7.8693% | 6,121 |
| Core capital (leverage) ratio | 7.8649% | 6,070 |
| Tier 1 risk-based capital ratio | 16.8695% | 2,565 |
| Total risk-based capital ratio | 18.1233% | 2,507 |
| Memoranda: | ||
| Average total assets | $191,493,600 | 3,089 |
| Average earning assets | $181,306,800 | 3,024 |
| Average equity | $14,517,000 | 3,933 |
| Average total loans | $72,619,400 | 4,107 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4570% | 5,477 |
| Cost of funding earning assets | 0.3539% | 4,304 |
| Net interest margin | 3.1030% | 5,250 |
| Noninterest income to average assets | 0.7790% | 1,973 |
| Noninterest expense to average assets | 3.1352% | 2,366 |
| Loan and lease loss provision to assets | 0.0594% | 3,174 |
| Net operating income to assets | 0.5186% | 4,811 |
| Return on assets (ROA) | 0.5618% | 4,698 |
| Pretax return on assets | 0.5618% | 5,147 |
| Return on Equity (ROE) | 7.4876% | 3,446 |
| Retained earnings to average equity (ytd only) | 4.1305% | 3,717 |
| Net charge-offs to loans | -0.1685% | 6,274 |
| Credit loss provision to net charge-offs | -93.3333% | 5,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4322% | 1,339 |
| Assets per employee ($millions) | 3.5517% | 4,766 |
| Cash dividends to net income (ytd only)* | 44.8358% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9366% | 1,379 |
| Loan loss allowance to noncurrent loans | 818.1319% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 5,809 |
| Noncurrent loans to loans | 0.2367% | 5,190 |
| Net loans and leases to total assets | 36.6025% | 6,008 |
| Net loans and leases to deposits | 40.1763% | 6,112 |
| Net loans and leases to core deposits | 45.1573% | 5,994 |
| Total domestic deposits to total assets | 91.1047% | 333 |
| Equity capital to assets | 7.2661% | 6,345 |
| Core capital (leverage) ratio | 8.0314% | 6,048 |
| Tier 1 risk-based capital ratio | 17.2116% | 2,522 |
| Total risk-based capital ratio | 18.4661% | 2,479 |
| Memoranda: | ||
| Average total assets | $188,438,000 | 3,146 |
| Average earning assets | $178,186,500 | 3,093 |
| Average equity | $14,138,500 | 4,024 |
| Average total loans | $71,200,750 | 4,185 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5252% | 5,358 |
| Cost of funding earning assets | 0.3642% | 4,268 |
| Net interest margin | 3.1610% | 5,062 |
| Noninterest income to average assets | 0.7942% | 1,856 |
| Noninterest expense to average assets | 3.2051% | 2,179 |
| Loan and lease loss provision to assets | 0.0920% | 2,489 |
| Net operating income to assets | 0.4732% | 4,922 |
| Return on assets (ROA) | 0.4732% | 4,993 |
| Pretax return on assets | 0.4732% | 5,355 |
| Return on Equity (ROE) | 6.2329% | 4,032 |
| Retained earnings to average equity (ytd only) | 2.9433% | 4,329 |
| Net charge-offs to loans | -0.2280% | 6,370 |
| Credit loss provision to net charge-offs | -106.3291% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0087% | 1,382 |
| Assets per employee ($millions) | 3.6493% | 4,547 |
| Cash dividends to net income (ytd only)* | 52.7778% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9978% | 1,364 |
| Loan loss allowance to noncurrent loans | 918.0124% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 5,755 |
| Noncurrent loans to loans | 0.2176% | 5,358 |
| Net loans and leases to total assets | 38.2065% | 5,945 |
| Net loans and leases to deposits | 42.2645% | 6,061 |
| Net loans and leases to core deposits | 47.7292% | 5,911 |
| Total domestic deposits to total assets | 90.3987% | 621 |
| Equity capital to assets | 7.7791% | 6,265 |
| Core capital (leverage) ratio | 8.3719% | 5,776 |
| Tier 1 risk-based capital ratio | 17.1951% | 2,539 |
| Total risk-based capital ratio | 18.4495% | 2,497 |
| Memoranda: | ||
| Average total assets | $182,585,000 | 3,226 |
| Average earning assets | $171,906,330 | 3,174 |
| Average equity | $13,862,000 | 4,069 |
| Average total loans | $69,304,670 | 4,257 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5054% | 5,403 |
| Cost of funding earning assets | 0.3662% | 4,365 |
| Net interest margin | 3.1391% | 5,123 |
| Noninterest income to average assets | 0.7978% | 1,760 |
| Noninterest expense to average assets | 3.1889% | 2,269 |
| Loan and lease loss provision to assets | 0.1430% | 1,703 |
| Net operating income to assets | 0.4157% | 5,063 |
| Return on assets (ROA) | 0.4157% | 5,132 |
| Pretax return on assets | 0.4157% | 5,405 |
| Return on Equity (ROE) | 5.5473% | 4,257 |
| Retained earnings to average equity (ytd only) | 1.8193% | 4,878 |
| Net charge-offs to loans | -0.0777% | 6,012 |
| Credit loss provision to net charge-offs | -492.3077% | 5,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0924% | 1,535 |
| Assets per employee ($millions) | 3.6091% | 4,698 |
| Cash dividends to net income (ytd only)* | 67.2043% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0086% | 1,501 |
| Loan loss allowance to noncurrent loans | 881.0127% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 5,847 |
| Noncurrent loans to loans | 0.2280% | 5,417 |
| Net loans and leases to total assets | 36.8950% | 6,024 |
| Net loans and leases to deposits | 40.5799% | 6,154 |
| Net loans and leases to core deposits | 45.5790% | 6,011 |
| Total domestic deposits to total assets | 90.9194% | 606 |
| Equity capital to assets | 7.4762% | 6,320 |
| Core capital (leverage) ratio | 8.7722% | 5,297 |
| Tier 1 risk-based capital ratio | 17.9285% | 2,327 |
| Total risk-based capital ratio | 19.1829% | 2,303 |
| Memoranda: | ||
| Average total assets | $178,994,500 | 3,289 |
| Average earning assets | $168,199,500 | 3,236 |
| Average equity | $13,412,000 | 4,166 |
| Average total loans | $66,966,500 | 4,358 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5554% | 5,520 |
| Cost of funding earning assets | 0.3810% | 4,828 |
| Net interest margin | 3.1744% | 5,082 |
| Noninterest income to average assets | 0.8424% | 1,896 |
| Noninterest expense to average assets | 3.2854% | 2,181 |
| Loan and lease loss provision to assets | 0.0947% | 3,228 |
| Net operating income to assets | 0.4439% | 4,982 |
| Return on assets (ROA) | 0.5055% | 4,841 |
| Pretax return on assets | 0.5055% | 5,192 |
| Return on Equity (ROE) | 5.9090% | 4,139 |
| Retained earnings to average equity (ytd only) | 2.3772% | 4,551 |
| Net charge-offs to loans | 0.1118% | 3,710 |
| Credit loss provision to net charge-offs | 229.5775% | 996 |
| Earnings coverage of net charge-offs (x) | 13.0563% | 2,068 |
| Efficiency ratio | 85.9161% | 1,420 |
| Assets per employee ($millions) | 3.4785% | 4,945 |
| Cash dividends to net income (ytd only)* | 59.7701% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0346% | 1,477 |
| Loan loss allowance to noncurrent loans | 932.6241% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 5,921 |
| Noncurrent loans to loans | 0.2182% | 5,531 |
| Net loans and leases to total assets | 36.4040% | 6,177 |
| Net loans and leases to deposits | 39.9024% | 6,307 |
| Net loans and leases to core deposits | 44.9161% | 6,187 |
| Total domestic deposits to total assets | 91.2325% | 490 |
| Equity capital to assets | 7.5107% | 6,279 |
| Core capital (leverage) ratio | 8.8566% | 5,204 |
| Tier 1 risk-based capital ratio | 18.8203% | 1,973 |
| Total risk-based capital ratio | 20.0742% | 1,935 |
| Memoranda: | ||
| Average total assets | $172,123,200 | 3,379 |
| Average earning assets | $161,668,400 | 3,316 |
| Average equity | $14,723,200 | 3,913 |
| Average total loans | $63,508,000 | 4,500 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5227% | 5,634 |
| Cost of funding earning assets | 0.3795% | 5,004 |
| Net interest margin | 3.1432% | 5,171 |
| Noninterest income to average assets | 0.8613% | 1,889 |
| Noninterest expense to average assets | 3.3645% | 1,910 |
| Loan and lease loss provision to assets | 0.0839% | 3,379 |
| Net operating income to assets | 0.3658% | 5,385 |
| Return on assets (ROA) | 0.4481% | 5,169 |
| Pretax return on assets | 0.4481% | 5,503 |
| Return on Equity (ROE) | 5.0819% | 4,682 |
| Retained earnings to average equity (ytd only) | 2.5366% | 4,800 |
| Net charge-offs to loans | 0.1476% | 3,064 |
| Credit loss provision to net charge-offs | 154.2857% | 1,532 |
| Earnings coverage of net charge-offs (x) | 8.2715% | 2,648 |
| Efficiency ratio | 88.2101% | 1,149 |
| Assets per employee ($millions) | 3.6452% | 4,569 |
| Cash dividends to net income (ytd only)* | 50.0864% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 2,051 |
| Loan loss allowance to noncurrent loans | 835.0993% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 6,033 |
| Noncurrent loans to loans | 0.2255% | 5,669 |
| Net loans and leases to total assets | 37.5495% | 6,193 |
| Net loans and leases to deposits | 41.8130% | 6,317 |
| Net loans and leases to core deposits | 46.8713% | 6,179 |
| Total domestic deposits to total assets | 89.8033% | 1,103 |
| Equity capital to assets | 7.8362% | 6,240 |
| Core capital (leverage) ratio | 8.7365% | 5,486 |
| Tier 1 risk-based capital ratio | 17.9404% | 2,346 |
| Total risk-based capital ratio | 19.1927% | 2,313 |
| Memoranda: | ||
| Average total assets | $171,672,500 | 3,415 |
| Average earning assets | $161,274,250 | 3,348 |
| Average equity | $15,138,250 | 3,891 |
| Average total loans | $63,227,250 | 4,549 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4685% | 5,749 |
| Cost of funding earning assets | 0.3807% | 5,127 |
| Net interest margin | 3.0878% | 5,305 |
| Noninterest income to average assets | 0.8770% | 1,903 |
| Noninterest expense to average assets | 3.4507% | 1,715 |
| Loan and lease loss provision to assets | 0.1266% | 2,738 |
| Net operating income to assets | 0.2005% | 5,886 |
| Return on assets (ROA) | 0.3248% | 5,659 |
| Pretax return on assets | 0.3248% | 5,809 |
| Return on Equity (ROE) | 3.5481% | 5,400 |
| Retained earnings to average equity (ytd only) | 1.1912% | 5,425 |
| Net charge-offs to loans | 0.1646% | 2,797 |
| Credit loss provision to net charge-offs | 211.7647% | 1,142 |
| Earnings coverage of net charge-offs (x) | 5.4706% | 2,889 |
| Efficiency ratio | 91.3408% | 950 |
| Assets per employee ($millions) | 3.6555% | 4,507 |
| Cash dividends to net income (ytd only)* | 66.4260% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9937% | 1,865 |
| Loan loss allowance to noncurrent loans | 766.4671% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 6,046 |
| Noncurrent loans to loans | 0.2601% | 5,660 |
| Net loans and leases to total assets | 35.8613% | 6,310 |
| Net loans and leases to deposits | 40.1146% | 6,400 |
| Net loans and leases to core deposits | 44.8799% | 6,290 |
| Total domestic deposits to total assets | 89.3971% | 1,380 |
| Equity capital to assets | 7.9037% | 6,267 |
| Core capital (leverage) ratio | 8.7413% | 5,366 |
| Tier 1 risk-based capital ratio | 18.6946% | 2,084 |
| Total risk-based capital ratio | 19.9574% | 2,047 |
| Memoranda: | ||
| Average total assets | $170,573,670 | 3,452 |
| Average earning assets | $160,243,670 | 3,391 |
| Average equity | $15,614,000 | 3,835 |
| Average total loans | $61,982,670 | 4,605 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5030% | 5,693 |
| Cost of funding earning assets | 0.3878% | 5,218 |
| Net interest margin | 3.1152% | 5,209 |
| Noninterest income to average assets | 0.8969% | 1,766 |
| Noninterest expense to average assets | 3.4307% | 1,763 |
| Loan and lease loss provision to assets | 0.1856% | 1,991 |
| Net operating income to assets | 0.2046% | 5,874 |
| Return on assets (ROA) | 0.3236% | 5,607 |
| Pretax return on assets | 0.3236% | 5,794 |
| Return on Equity (ROE) | 3.2996% | 5,434 |
| Retained earnings to average equity (ytd only) | 0.7278% | 5,539 |
| Net charge-offs to loans | 0.0789% | 3,048 |
| Credit loss provision to net charge-offs | 650.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,511 |
| Efficiency ratio | 89.7883% | 1,164 |
| Assets per employee ($millions) | 3.3818% | 5,253 |
| Cash dividends to net income (ytd only)* | 77.9412% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1181% | 1,756 |
| Loan loss allowance to noncurrent loans | 1,074.1667% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 5,323 |
| Noncurrent loans to loans | 0.1972% | 5,908 |
| Net loans and leases to total assets | 35.2284% | 6,354 |
| Net loans and leases to deposits | 39.7706% | 6,430 |
| Net loans and leases to core deposits | 44.3488% | 6,296 |
| Total domestic deposits to total assets | 88.5789% | 1,949 |
| Equity capital to assets | 9.6108% | 4,696 |
| Core capital (leverage) ratio | 9.0195% | 4,854 |
| Tier 1 risk-based capital ratio | 19.3902% | 1,943 |
| Total risk-based capital ratio | 20.6455% | 1,911 |
| Memoranda: | ||
| Average total assets | $168,129,500 | 3,532 |
| Average earning assets | $157,806,500 | 3,473 |
| Average equity | $16,487,000 | 3,742 |
| Average total loans | $60,872,500 | 4,678 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6192% | 6,192 |
| Cost of funding earning assets | 0.3468% | 6,238 |
| Net interest margin | 3.2725% | 5,348 |
| Noninterest income to average assets | 0.9762% | 1,609 |
| Noninterest expense to average assets | 3.5354% | 1,745 |
| Loan and lease loss provision to assets | 0.1543% | 3,684 |
| Net operating income to assets | 0.3252% | 5,378 |
| Return on assets (ROA) | 0.5857% | 4,566 |
| Pretax return on assets | 0.5857% | 5,037 |
| Return on Equity (ROE) | 5.4613% | 4,443 |
| Retained earnings to average equity (ytd only) | 0.2567% | 5,727 |
| Net charge-offs to loans | 0.1082% | 4,583 |
| Credit loss provision to net charge-offs | 388.7097% | 622 |
| Earnings coverage of net charge-offs (x) | 12.0806% | 1,965 |
| Efficiency ratio | 88.0580% | 1,237 |
| Assets per employee ($millions) | 3.2148% | 5,589 |
| Cash dividends to net income (ytd only)* | 95.3005% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0086% | 1,996 |
| Loan loss allowance to noncurrent loans | 926.5152% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 5,391 |
| Noncurrent loans to loans | 0.2168% | 5,934 |
| Net loans and leases to total assets | 35.6916% | 6,453 |
| Net loans and leases to deposits | 40.2842% | 6,536 |
| Net loans and leases to core deposits | 43.7680% | 6,476 |
| Total domestic deposits to total assets | 88.5995% | 1,839 |
| Equity capital to assets | 10.0037% | 4,159 |
| Core capital (leverage) ratio | 9.0052% | 4,892 |
| Tier 1 risk-based capital ratio | 19.3450% | 1,854 |
| Total risk-based capital ratio | 20.6088% | 1,823 |
| Memoranda: | ||
| Average total assets | $156,221,000 | 3,680 |
| Average earning assets | $145,059,200 | 3,639 |
| Average equity | $16,754,200 | 3,664 |
| Average total loans | $57,301,400 | 4,820 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6780% | 6,260 |
| Cost of funding earning assets | 0.3379% | 6,429 |
| Net interest margin | 3.3400% | 5,249 |
| Noninterest income to average assets | 0.9834% | 1,548 |
| Noninterest expense to average assets | 3.6667% | 1,421 |
| Loan and lease loss provision to assets | 0.1164% | 4,105 |
| Net operating income to assets | 0.2910% | 5,641 |
| Return on assets (ROA) | 0.6446% | 4,426 |
| Pretax return on assets | 0.6446% | 5,032 |
| Return on Equity (ROE) | 5.9021% | 4,379 |
| Retained earnings to average equity (ytd only) | -0.3580% | 6,153 |
| Net charge-offs to loans | 0.1182% | 4,197 |
| Credit loss provision to net charge-offs | 268.0000% | 1,015 |
| Earnings coverage of net charge-offs (x) | 9.3793% | 2,327 |
| Efficiency ratio | 90.0000% | 1,043 |
| Assets per employee ($millions) | 3.1806% | 5,675 |
| Cash dividends to net income (ytd only)* | 106.0648% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8573% | 2,623 |
| Loan loss allowance to noncurrent loans | 841.7910% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.4450% | 5,554 |
| Noncurrent loans to loans | 0.2206% | 6,058 |
| Net loans and leases to total assets | 36.0380% | 6,545 |
| Net loans and leases to deposits | 41.2011% | 6,636 |
| Net loans and leases to core deposits | 45.2488% | 6,552 |
| Total domestic deposits to total assets | 87.4686% | 2,368 |
| Equity capital to assets | 10.3627% | 3,996 |
| Core capital (leverage) ratio | 9.4116% | 4,416 |
| Tier 1 risk-based capital ratio | 19.5827% | 1,856 |
| Total risk-based capital ratio | 20.8357% | 1,829 |
| Memoranda: | ||
| Average total assets | $153,484,250 | 3,765 |
| Average earning assets | $142,030,250 | 3,735 |
| Average equity | $16,762,000 | 3,695 |
| Average total loans | $56,404,750 | 4,908 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 6,185 |
| Cost of funding earning assets | 0.3498% | 6,510 |
| Net interest margin | 3.4323% | 4,959 |
| Noninterest income to average assets | 1.0086% | 1,444 |
| Noninterest expense to average assets | 3.6786% | 1,415 |
| Loan and lease loss provision to assets | 0.1204% | 4,023 |
| Net operating income to assets | 0.3732% | 5,336 |
| Return on assets (ROA) | 0.8013% | 3,643 |
| Pretax return on assets | 0.8013% | 4,469 |
| Return on Equity (ROE) | 7.2011% | 3,669 |
| Retained earnings to average equity (ytd only) | 0.2885% | 5,949 |
| Net charge-offs to loans | 0.1274% | 3,910 |
| Credit loss provision to net charge-offs | 257.1429% | 1,115 |
| Earnings coverage of net charge-offs (x) | 10.5429% | 2,040 |
| Efficiency ratio | 88.1693% | 1,222 |
| Assets per employee ($millions) | 2.9017% | 6,232 |
| Cash dividends to net income (ytd only)* | 95.9933% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9232% | 2,466 |
| Loan loss allowance to noncurrent loans | 544.0594% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 5,432 |
| Noncurrent loans to loans | 0.3535% | 5,838 |
| Net loans and leases to total assets | 37.1433% | 6,538 |
| Net loans and leases to deposits | 42.2766% | 6,632 |
| Net loans and leases to core deposits | 46.9994% | 6,516 |
| Total domestic deposits to total assets | 87.8577% | 2,246 |
| Equity capital to assets | 11.0898% | 3,026 |
| Core capital (leverage) ratio | 10.1900% | 3,160 |
| Tier 1 risk-based capital ratio | 21.4025% | 1,406 |
| Total risk-based capital ratio | 22.6556% | 1,379 |
| Memoranda: | ||
| Average total assets | $149,515,000 | 3,849 |
| Average earning assets | $137,809,330 | 3,814 |
| Average equity | $16,636,330 | 3,709 |
| Average total loans | $54,962,330 | 4,988 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 6,238 |
| Cost of funding earning assets | 0.3641% | 6,580 |
| Net interest margin | 3.4375% | 4,970 |
| Noninterest income to average assets | 1.0240% | 1,360 |
| Noninterest expense to average assets | 3.6659% | 1,434 |
| Loan and lease loss provision to assets | 0.1209% | 3,833 |
| Net operating income to assets | 0.4085% | 5,220 |
| Return on assets (ROA) | 0.5644% | 4,745 |
| Pretax return on assets | 0.5644% | 5,226 |
| Return on Equity (ROE) | 5.0639% | 4,759 |
| Retained earnings to average equity (ytd only) | -6.7760% | 6,709 |
| Net charge-offs to loans | 0.3416% | 2,283 |
| Credit loss provision to net charge-offs | 97.8261% | 2,409 |
| Earnings coverage of net charge-offs (x) | 4.2826% | 2,608 |
| Efficiency ratio | 87.3799% | 1,348 |
| Assets per employee ($millions) | 2.9236% | 6,299 |
| Cash dividends to net income (ytd only)* | 233.8095% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9056% | 2,659 |
| Loan loss allowance to noncurrent loans | 467.7130% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 5,494 |
| Noncurrent loans to loans | 0.4074% | 5,858 |
| Net loans and leases to total assets | 36.0078% | 6,615 |
| Net loans and leases to deposits | 41.1669% | 6,696 |
| Net loans and leases to core deposits | 45.9800% | 6,571 |
| Total domestic deposits to total assets | 87.4678% | 2,676 |
| Equity capital to assets | 11.0292% | 2,870 |
| Core capital (leverage) ratio | 10.0752% | 3,279 |
| Tier 1 risk-based capital ratio | 21.5201% | 1,378 |
| Total risk-based capital ratio | 22.7784% | 1,347 |
| Memoranda: | ||
| Average total assets | $148,829,500 | 3,893 |
| Average earning assets | $137,311,000 | 3,858 |
| Average equity | $16,588,000 | 3,715 |
| Average total loans | $53,872,000 | 5,077 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 6,333 |
| Cost of funding earning assets | 0.5004% | 6,536 |
| Net interest margin | 3.5631% | 4,878 |
| Noninterest income to average assets | 1.0514% | 1,215 |
| Noninterest expense to average assets | 3.7034% | 1,532 |
| Loan and lease loss provision to assets | 0.2336% | 3,870 |
| Net operating income to assets | 0.3817% | 4,939 |
| Return on assets (ROA) | 0.5292% | 4,508 |
| Pretax return on assets | 0.5292% | 4,905 |
| Return on Equity (ROE) | 4.8043% | 4,476 |
| Retained earnings to average equity (ytd only) | 3.1278% | 3,997 |
| Net charge-offs to loans | 0.4643% | 3,132 |
| Credit loss provision to net charge-offs | 142.4370% | 2,044 |
| Earnings coverage of net charge-offs (x) | 3.7521% | 3,405 |
| Efficiency ratio | 85.7530% | 1,590 |
| Assets per employee ($millions) | 3.0317% | 6,019 |
| Cash dividends to net income (ytd only)* | 34.8958% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9694% | 2,373 |
| Loan loss allowance to noncurrent loans | 923.8938% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 5,769 |
| Noncurrent loans to loans | 0.2132% | 6,314 |
| Net loans and leases to total assets | 34.9823% | 6,819 |
| Net loans and leases to deposits | 39.9754% | 6,884 |
| Net loans and leases to core deposits | 44.7375% | 6,784 |
| Total domestic deposits to total assets | 87.5097% | 2,459 |
| Equity capital to assets | 11.2625% | 2,729 |
| Core capital (leverage) ratio | 10.0829% | 3,242 |
| Tier 1 risk-based capital ratio | 22.6031% | 1,146 |
| Total risk-based capital ratio | 23.8524% | 1,125 |
| Memoranda: | ||
| Average total assets | $145,136,800 | 3,887 |
| Average earning assets | $133,085,400 | 3,867 |
| Average equity | $15,985,800 | 3,732 |
| Average total loans | $51,265,400 | 5,224 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 6,349 |
| Cost of funding earning assets | 0.5262% | 6,599 |
| Net interest margin | 3.6027% | 4,756 |
| Noninterest income to average assets | 1.0433% | 1,240 |
| Noninterest expense to average assets | 3.7111% | 1,474 |
| Loan and lease loss provision to assets | 0.2698% | 3,345 |
| Net operating income to assets | 0.3650% | 5,139 |
| Return on assets (ROA) | 0.4916% | 4,765 |
| Pretax return on assets | 0.4916% | 5,190 |
| Return on Equity (ROE) | 4.4895% | 4,767 |
| Retained earnings to average equity (ytd only) | 2.9789% | 4,570 |
| Net charge-offs to loans | 0.4407% | 2,965 |
| Credit loss provision to net charge-offs | 173.8095% | 1,718 |
| Earnings coverage of net charge-offs (x) | 4.0894% | 3,186 |
| Efficiency ratio | 85.3923% | 1,588 |
| Assets per employee ($millions) | 3.1445% | 5,802 |
| Cash dividends to net income (ytd only)* | 33.6463% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0698% | 2,147 |
| Loan loss allowance to noncurrent loans | 2,270.2128% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 5,924 |
| Noncurrent loans to loans | 0.0912% | 6,705 |
| Net loans and leases to total assets | 32.7654% | 7,005 |
| Net loans and leases to deposits | 37.5901% | 7,047 |
| Net loans and leases to core deposits | 41.7691% | 6,989 |
| Total domestic deposits to total assets | 87.1651% | 2,545 |
| Equity capital to assets | 11.0683% | 3,077 |
| Core capital (leverage) ratio | 10.0228% | 3,408 |
| Tier 1 risk-based capital ratio | 23.2376% | 1,115 |
| Total risk-based capital ratio | 24.5035% | 1,096 |
| Memoranda: | ||
| Average total assets | $144,282,250 | 3,918 |
| Average earning assets | $132,266,750 | 3,909 |
| Average equity | $15,799,500 | 3,774 |
| Average total loans | $50,828,750 | 5,282 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 6,282 |
| Cost of funding earning assets | 0.5561% | 6,638 |
| Net interest margin | 3.6410% | 4,558 |
| Noninterest income to average assets | 1.0353% | 1,239 |
| Noninterest expense to average assets | 3.7286% | 1,476 |
| Loan and lease loss provision to assets | 0.2000% | 3,925 |
| Net operating income to assets | 0.4680% | 4,651 |
| Return on assets (ROA) | 0.4964% | 4,658 |
| Pretax return on assets | 0.4964% | 5,084 |
| Return on Equity (ROE) | 4.5510% | 4,670 |
| Retained earnings to average equity (ytd only) | 3.0947% | 4,305 |
| Net charge-offs to loans | 0.6326% | 2,253 |
| Credit loss provision to net charge-offs | 88.1250% | 3,514 |
| Earnings coverage of net charge-offs (x) | 2.9438% | 3,377 |
| Efficiency ratio | 84.8065% | 1,723 |
| Assets per employee ($millions) | 3.0222% | 6,033 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7147% | 3,278 |
| Loan loss allowance to noncurrent loans | 1,038.2022% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 6,043 |
| Noncurrent loans to loans | 0.1652% | 6,569 |
| Net loans and leases to total assets | 36.5092% | 6,933 |
| Net loans and leases to deposits | 41.9471% | 6,993 |
| Net loans and leases to core deposits | 46.9646% | 6,898 |
| Total domestic deposits to total assets | 87.0362% | 2,721 |
| Equity capital to assets | 11.3073% | 2,678 |
| Core capital (leverage) ratio | 10.2088% | 3,021 |
| Tier 1 risk-based capital ratio | 23.1476% | 1,095 |
| Total risk-based capital ratio | 24.3763% | 1,083 |
| Memoranda: | ||
| Average total assets | $141,016,330 | 4,009 |
| Average earning assets | $130,183,000 | 3,979 |
| Average equity | $15,381,330 | 3,841 |
| Average total loans | $50,587,670 | 5,331 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 6,308 |
| Cost of funding earning assets | 0.5751% | 6,710 |
| Net interest margin | 3.6124% | 4,514 |
| Noninterest income to average assets | 1.0073% | 1,305 |
| Noninterest expense to average assets | 3.6319% | 1,699 |
| Loan and lease loss provision to assets | 0.1727% | 3,902 |
| Net operating income to assets | 0.5468% | 4,282 |
| Return on assets (ROA) | 0.5842% | 4,183 |
| Pretax return on assets | 0.5842% | 4,747 |
| Return on Equity (ROE) | 5.4605% | 4,177 |
| Retained earnings to average equity (ytd only) | 4.3307% | 3,574 |
| Net charge-offs to loans | 0.7765% | 1,662 |
| Credit loss provision to net charge-offs | 63.1579% | 3,488 |
| Earnings coverage of net charge-offs (x) | 2.6316% | 3,027 |
| Efficiency ratio | 83.4656% | 2,022 |
| Assets per employee ($millions) | 2.9065% | 6,330 |
| Cash dividends to net income (ytd only)* | 20.6897% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8708% | 2,788 |
| Loan loss allowance to noncurrent loans | 416.5138% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 5,819 |
| Noncurrent loans to loans | 0.4492% | 6,113 |
| Net loans and leases to total assets | 34.1388% | 7,088 |
| Net loans and leases to deposits | 39.0308% | 7,131 |
| Net loans and leases to core deposits | 43.8716% | 7,043 |
| Total domestic deposits to total assets | 87.4661% | 2,680 |
| Equity capital to assets | 10.8093% | 2,870 |
| Core capital (leverage) ratio | 10.8117% | 2,344 |
| Tier 1 risk-based capital ratio | 25.0292% | 873 |
| Total risk-based capital ratio | 26.2699% | 859 |
| Memoranda: | ||
| Average total assets | $138,992,000 | 4,077 |
| Average earning assets | $128,667,000 | 4,057 |
| Average equity | $14,870,500 | 3,926 |
| Average total loans | $48,938,500 | 5,444 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 6,353 |
| Cost of funding earning assets | 0.9042% | 6,160 |
| Net interest margin | 3.6118% | 4,758 |
| Noninterest income to average assets | 1.0168% | 1,452 |
| Noninterest expense to average assets | 3.6503% | 1,806 |
| Loan and lease loss provision to assets | 0.3964% | 3,741 |
| Net operating income to assets | 0.3367% | 4,799 |
| Return on assets (ROA) | 0.6726% | 3,473 |
| Pretax return on assets | 0.6726% | 4,083 |
| Return on Equity (ROE) | 6.2155% | 3,506 |
| Retained earnings to average equity (ytd only) | 2.7337% | 3,943 |
| Net charge-offs to loans | 1.2081% | 1,856 |
| Credit loss provision to net charge-offs | 85.6209% | 5,312 |
| Earnings coverage of net charge-offs (x) | 1.5833% | 4,550 |
| Efficiency ratio | 83.2758% | 2,020 |
| Assets per employee ($millions) | 2.9463% | 6,220 |
| Cash dividends to net income (ytd only)* | 56.0180% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9112% | 2,527 |
| Loan loss allowance to noncurrent loans | 267.8977% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 5,821 |
| Noncurrent loans to loans | 0.7134% | 5,623 |
| Net loans and leases to total assets | 34.9517% | 7,202 |
| Net loans and leases to deposits | 39.8057% | 7,257 |
| Net loans and leases to core deposits | 44.6724% | 7,179 |
| Total domestic deposits to total assets | 87.8057% | 2,362 |
| Equity capital to assets | 10.5875% | 3,076 |
| Core capital (leverage) ratio | 10.6272% | 2,437 |
| Tier 1 risk-based capital ratio | 24.1150% | 924 |
| Total risk-based capital ratio | 25.3681% | 906 |
| Memoranda: | ||
| Average total assets | $132,181,800 | 4,215 |
| Average earning assets | $123,208,200 | 4,162 |
| Average equity | $14,303,000 | 4,072 |
| Average total loans | $50,659,000 | 5,459 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 6,284 |
| Cost of funding earning assets | 0.9285% | 6,274 |
| Net interest margin | 3.6911% | 4,453 |
| Noninterest income to average assets | 1.0361% | 1,350 |
| Noninterest expense to average assets | 3.6546% | 1,663 |
| Loan and lease loss provision to assets | 0.4430% | 3,258 |
| Net operating income to assets | 0.3838% | 4,821 |
| Return on assets (ROA) | 0.6891% | 3,625 |
| Pretax return on assets | 0.6891% | 4,264 |
| Return on Equity (ROE) | 6.3319% | 3,663 |
| Retained earnings to average equity (ytd only) | 2.1012% | 4,912 |
| Net charge-offs to loans | 1.5742% | 1,261 |
| Credit loss provision to net charge-offs | 72.0930% | 5,363 |
| Earnings coverage of net charge-offs (x) | 1.3455% | 4,735 |
| Efficiency ratio | 81.5490% | 2,122 |
| Assets per employee ($millions) | 2.9628% | 6,240 |
| Cash dividends to net income (ytd only)* | 66.8148% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7957% | 2,804 |
| Loan loss allowance to noncurrent loans | 296.5636% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.5657% | 6,023 |
| Noncurrent loans to loans | 0.6055% | 5,995 |
| Net loans and leases to total assets | 34.6288% | 7,323 |
| Net loans and leases to deposits | 40.3574% | 7,360 |
| Net loans and leases to core deposits | 46.3815% | 7,258 |
| Total domestic deposits to total assets | 85.8054% | 3,183 |
| Equity capital to assets | 11.7770% | 2,306 |
| Core capital (leverage) ratio | 10.7044% | 2,510 |
| Tier 1 risk-based capital ratio | 24.4972% | 892 |
| Total risk-based capital ratio | 25.7510% | 876 |
| Memoranda: | ||
| Average total assets | $130,608,750 | 4,311 |
| Average earning assets | $121,911,000 | 4,243 |
| Average equity | $14,213,500 | 4,157 |
| Average total loans | $50,988,250 | 5,531 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 5,936 |
| Cost of funding earning assets | 0.9362% | 6,435 |
| Net interest margin | 3.8228% | 3,797 |
| Noninterest income to average assets | 1.0488% | 1,223 |
| Noninterest expense to average assets | 3.6095% | 1,753 |
| Loan and lease loss provision to assets | 0.1243% | 5,648 |
| Net operating income to assets | 0.8872% | 2,596 |
| Return on assets (ROA) | 0.8872% | 2,718 |
| Pretax return on assets | 0.8872% | 3,550 |
| Return on Equity (ROE) | 8.3964% | 2,714 |
| Retained earnings to average equity (ytd only) | 4.1026% | 3,467 |
| Net charge-offs to loans | 0.3926% | 3,405 |
| Credit loss provision to net charge-offs | 78.4314% | 4,752 |
| Earnings coverage of net charge-offs (x) | 6.3824% | 2,465 |
| Efficiency ratio | 78.1103% | 2,713 |
| Assets per employee ($millions) | 3.1152% | 5,883 |
| Cash dividends to net income (ytd only)* | 51.1384% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9524% | 2,297 |
| Loan loss allowance to noncurrent loans | 88.0454% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8759% | 5,373 |
| Noncurrent loans to loans | 2.2174% | 3,462 |
| Net loans and leases to total assets | 38.7288% | 7,233 |
| Net loans and leases to deposits | 45.4604% | 7,275 |
| Net loans and leases to core deposits | 50.8316% | 7,179 |
| Total domestic deposits to total assets | 85.1924% | 3,523 |
| Equity capital to assets | 12.6615% | 1,702 |
| Core capital (leverage) ratio | 11.2077% | 2,100 |
| Tier 1 risk-based capital ratio | 22.3916% | 1,143 |
| Total risk-based capital ratio | 23.6474% | 1,119 |
| Memoranda: | ||
| Average total assets | $128,714,670 | 4,384 |
| Average earning assets | $120,277,330 | 4,305 |
| Average equity | $13,601,000 | 4,290 |
| Average total loans | $51,964,670 | 5,517 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8620% | 5,634 |
| Cost of funding earning assets | 0.9396% | 6,621 |
| Net interest margin | 3.9224% | 3,232 |
| Noninterest income to average assets | 1.0842% | 1,080 |
| Noninterest expense to average assets | 3.6067% | 1,722 |
| Loan and lease loss provision to assets | 0.0940% | 5,685 |
| Net operating income to assets | 1.0591% | 1,968 |
| Return on assets (ROA) | 1.0591% | 2,038 |
| Pretax return on assets | 1.0591% | 2,879 |
| Return on Equity (ROE) | 11.1565% | 1,736 |
| Retained earnings to average equity (ytd only) | 6.2714% | 2,485 |
| Net charge-offs to loans | 0.5067% | 2,550 |
| Credit loss provision to net charge-offs | 45.4545% | 4,546 |
| Earnings coverage of net charge-offs (x) | 5.5758% | 2,368 |
| Efficiency ratio | 75.7735% | 3,257 |
| Assets per employee ($millions) | 3.1908% | 5,791 |
| Cash dividends to net income (ytd only)* | 43.7870% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8666% | 2,534 |
| Loan loss allowance to noncurrent loans | 726.2774% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 7,208 |
| Noncurrent loans to loans | 0.2570% | 6,816 |
| Net loans and leases to total assets | 40.9857% | 7,185 |
| Net loans and leases to deposits | 46.1960% | 7,326 |
| Net loans and leases to core deposits | 51.5029% | 7,225 |
| Total domestic deposits to total assets | 88.7213% | 1,662 |
| Equity capital to assets | 9.7046% | 4,226 |
| Core capital (leverage) ratio | 8.5443% | 5,301 |
| Tier 1 risk-based capital ratio | 16.4862% | 2,459 |
| Total risk-based capital ratio | 17.7426% | 2,405 |
| Memoranda: | ||
| Average total assets | $127,653,000 | 4,464 |
| Average earning assets | $119,622,000 | 4,385 |
| Average equity | $12,118,500 | 4,688 |
| Average total loans | $52,106,500 | 5,577 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0318% | 6,332 |
| Cost of funding earning assets | 1.0919% | 7,001 |
| Net interest margin | 3.9399% | 3,119 |
| Noninterest income to average assets | 1.0275% | 1,479 |
| Noninterest expense to average assets | 3.4811% | 2,418 |
| Loan and lease loss provision to assets | 0.2618% | 5,309 |
| Net operating income to assets | 0.9650% | 1,962 |
| Return on assets (ROA) | 0.9989% | 1,892 |
| Pretax return on assets | 0.9989% | 2,598 |
| Return on Equity (ROE) | 11.7745% | 1,217 |
| Retained earnings to average equity (ytd only) | 8.5738% | 573 |
| Net charge-offs to loans | 0.2547% | 5,026 |
| Credit loss provision to net charge-offs | 257.7778% | 1,361 |
| Earnings coverage of net charge-offs (x) | 12.0815% | 1,535 |
| Efficiency ratio | 73.9415% | 3,908 |
| Assets per employee ($millions) | 2.8372% | 6,591 |
| Cash dividends to net income (ytd only)* | 27.1837% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0252% | 1,967 |
| Loan loss allowance to noncurrent loans | 500.4854% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 7,070 |
| Noncurrent loans to loans | 0.4047% | 6,471 |
| Net loans and leases to total assets | 39.0653% | 7,400 |
| Net loans and leases to deposits | 43.3472% | 7,538 |
| Net loans and leases to core deposits | 52.8907% | 7,506 |
| Total domestic deposits to total assets | 90.1219% | 906 |
| Equity capital to assets | 9.2821% | 4,719 |
| Core capital (leverage) ratio | 8.1233% | 5,954 |
| Tier 1 risk-based capital ratio | 16.5394% | 2,303 |
| Total risk-based capital ratio | 17.7944% | 2,248 |
| Memoranda: | ||
| Average total assets | $132,946,600 | 4,278 |
| Average earning assets | $124,189,800 | 4,213 |
| Average equity | $11,278,600 | 4,953 |
| Average total loans | $53,000,400 | 5,545 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0349% | 6,498 |
| Cost of funding earning assets | 1.1129% | 7,150 |
| Net interest margin | 3.9219% | 3,152 |
| Noninterest income to average assets | 1.0059% | 1,583 |
| Noninterest expense to average assets | 3.4826% | 2,322 |
| Loan and lease loss provision to assets | 0.3208% | 4,420 |
| Net operating income to assets | 0.8630% | 2,563 |
| Return on assets (ROA) | 0.9076% | 2,464 |
| Pretax return on assets | 0.9076% | 3,203 |
| Return on Equity (ROE) | 10.9437% | 1,638 |
| Retained earnings to average equity (ytd only) | 8.1419% | 1,097 |
| Net charge-offs to loans | 0.1345% | 5,353 |
| Credit loss provision to net charge-offs | 598.1481% | 643 |
| Earnings coverage of net charge-offs (x) | 22.0735% | 1,177 |
| Efficiency ratio | 74.6329% | 3,758 |
| Assets per employee ($millions) | 3.0018% | 6,155 |
| Cash dividends to net income (ytd only)* | 25.6015% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0480% | 1,692 |
| Loan loss allowance to noncurrent loans | 715.1316% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 7,255 |
| Noncurrent loans to loans | 0.2864% | 6,794 |
| Net loans and leases to total assets | 40.2775% | 7,454 |
| Net loans and leases to deposits | 45.3012% | 7,589 |
| Net loans and leases to core deposits | 54.8291% | 7,577 |
| Total domestic deposits to total assets | 88.9105% | 1,236 |
| Equity capital to assets | 9.1736% | 5,210 |
| Core capital (leverage) ratio | 7.8387% | 6,569 |
| Tier 1 risk-based capital ratio | 15.5485% | 2,795 |
| Total risk-based capital ratio | 16.8047% | 2,732 |
| Memoranda: | ||
| Average total assets | $134,264,250 | 4,276 |
| Average earning assets | $125,309,500 | 4,220 |
| Average equity | $11,135,500 | 5,037 |
| Average total loans | $53,523,500 | 5,570 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9849% | 6,823 |
| Cost of funding earning assets | 1.1221% | 7,320 |
| Net interest margin | 3.8628% | 3,279 |
| Noninterest income to average assets | 0.9736% | 1,678 |
| Noninterest expense to average assets | 3.4913% | 2,360 |
| Loan and lease loss provision to assets | 0.2206% | 4,827 |
| Net operating income to assets | 0.8662% | 2,586 |
| Return on assets (ROA) | 0.8662% | 2,690 |
| Pretax return on assets | 0.8662% | 3,458 |
| Return on Equity (ROE) | 10.8070% | 1,757 |
| Retained earnings to average equity (ytd only) | 7.9080% | 1,243 |
| Net charge-offs to loans | 0.2236% | 4,102 |
| Credit loss provision to net charge-offs | 250.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | 12.3167% | 1,828 |
| Efficiency ratio | 76.2608% | 3,641 |
| Assets per employee ($millions) | 3.2167% | 5,546 |
| Cash dividends to net income (ytd only)* | 26.8251% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 2,340 |
| Loan loss allowance to noncurrent loans | 396.5066% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 7,123 |
| Noncurrent loans to loans | 0.4294% | 6,444 |
| Net loans and leases to total assets | 38.7985% | 7,613 |
| Net loans and leases to deposits | 44.2540% | 7,691 |
| Net loans and leases to core deposits | 53.2260% | 7,678 |
| Total domestic deposits to total assets | 87.6724% | 1,938 |
| Equity capital to assets | 8.1034% | 6,625 |
| Core capital (leverage) ratio | 7.3763% | 7,156 |
| Tier 1 risk-based capital ratio | 14.8794% | 3,074 |
| Total risk-based capital ratio | 16.1302% | 3,005 |
| Memoranda: | ||
| Average total assets | $135,993,330 | 4,261 |
| Average earning assets | $126,902,330 | 4,208 |
| Average equity | $10,900,330 | 5,112 |
| Average total loans | $53,672,670 | 5,606 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0255% | 6,870 |
| Cost of funding earning assets | 1.1743% | 7,355 |
| Net interest margin | 3.8512% | 3,242 |
| Noninterest income to average assets | 0.9675% | 1,579 |
| Noninterest expense to average assets | 3.4125% | 2,323 |
| Loan and lease loss provision to assets | 0.2199% | 4,254 |
| Net operating income to assets | 0.9118% | 2,650 |
| Return on assets (ROA) | 0.9118% | 2,794 |
| Pretax return on assets | 0.9118% | 3,674 |
| Return on Equity (ROE) | 11.4375% | 1,834 |
| Retained earnings to average equity (ytd only) | 8.6057% | 1,598 |
| Net charge-offs to loans | 0.2526% | 3,146 |
| Credit loss provision to net charge-offs | 220.5882% | 2,048 |
| Earnings coverage of net charge-offs (x) | 11.3529% | 1,880 |
| Efficiency ratio | 75.0968% | 3,644 |
| Assets per employee ($millions) | 2.8055% | 6,629 |
| Cash dividends to net income (ytd only)* | 24.7588% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 2,592 |
| Loan loss allowance to noncurrent loans | 288.2550% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 6,645 |
| Noncurrent loans to loans | 0.5484% | 6,047 |
| Net loans and leases to total assets | 38.1223% | 7,661 |
| Net loans and leases to deposits | 43.1923% | 7,754 |
| Net loans and leases to core deposits | 50.6502% | 7,768 |
| Total domestic deposits to total assets | 88.2616% | 1,604 |
| Equity capital to assets | 7.8845% | 6,969 |
| Core capital (leverage) ratio | 7.4360% | 7,228 |
| Tier 1 risk-based capital ratio | 14.3316% | 3,411 |
| Total risk-based capital ratio | 15.5749% | 3,339 |
| Memoranda: | ||
| Average total assets | $136,438,500 | 4,270 |
| Average earning assets | $126,712,500 | 4,229 |
| Average equity | $10,876,500 | 5,142 |
| Average total loans | $53,846,000 | 5,637 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8179% | 6,373 |
| Cost of funding earning assets | 2.0036% | 6,405 |
| Net interest margin | 3.8143% | 3,959 |
| Noninterest income to average assets | 1.1364% | 1,207 |
| Noninterest expense to average assets | 3.5110% | 2,364 |
| Loan and lease loss provision to assets | 0.1368% | 5,607 |
| Net operating income to assets | 0.9471% | 2,802 |
| Return on assets (ROA) | 0.9768% | 2,532 |
| Pretax return on assets | 0.9768% | 3,462 |
| Return on Equity (ROE) | 13.8125% | 1,146 |
| Retained earnings to average equity (ytd only) | 7.0406% | 1,138 |
| Net charge-offs to loans | 0.4650% | 2,504 |
| Credit loss provision to net charge-offs | 70.5882% | 6,064 |
| Earnings coverage of net charge-offs (x) | 5.5922% | 3,592 |
| Efficiency ratio | 76.4103% | 3,166 |
| Assets per employee ($millions) | 2.6520% | 6,884 |
| Cash dividends to net income (ytd only)* | 49.0272% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 2,529 |
| Loan loss allowance to noncurrent loans | 486.9048% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 6,730 |
| Noncurrent loans to loans | 0.3149% | 6,430 |
| Net loans and leases to total assets | 39.6216% | 7,691 |
| Net loans and leases to deposits | 43.5261% | 7,864 |
| Net loans and leases to core deposits | 51.1832% | 7,860 |
| Total domestic deposits to total assets | 91.0295% | 320 |
| Equity capital to assets | 8.0640% | 6,755 |
| Core capital (leverage) ratio | 7.1238% | 7,594 |
| Tier 1 risk-based capital ratio | 14.3357% | 3,373 |
| Total risk-based capital ratio | 15.5486% | 3,319 |
| Memoranda: | ||
| Average total assets | $131,557,600 | 4,244 |
| Average earning assets | $119,287,400 | 4,279 |
| Average equity | $9,303,200 | 5,631 |
| Average total loans | $54,843,200 | 5,497 |