Home > New Era Bank > Performance and Condition Ratios
New Era 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 | 4.0238% | 3,924 |
| Cost of funding earning assets | 0.8373% | 3,639 |
| Net interest margin | 3.1865% | 2,911 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 1.8102% | 3,993 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.8661% | 553 |
| Return on assets (ROA) | 1.8661% | 536 |
| Pretax return on assets | 1.8661% | 807 |
| Return on Equity (ROE) | 16.7300% | 983 |
| Retained earnings to average equity (ytd only) | 7.7125% | 1,625 |
| Net charge-offs to loans | 0.0216% | 1,901 |
| Credit loss provision to net charge-offs | 55.5556% | 2,171 |
| Earnings coverage of net charge-offs (x) | 145.4815% | 724 |
| Efficiency ratio | 48.7101% | 4,051 |
| Assets per employee ($millions) | 6.1356% | 2,704 |
| Cash dividends to net income (ytd only)* | 53.8944% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 3,583 |
| Loan loss allowance to noncurrent loans | 1,086.7580% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 3,238 |
| Noncurrent loans to loans | 0.0862% | 3,117 |
| Net loans and leases to total assets | 61.2500% | 2,733 |
| Net loans and leases to deposits | 70.1560% | 2,883 |
| Net loans and leases to core deposits | 74.9070% | 3,034 |
| Total domestic deposits to total assets | 87.3100% | 1,584 |
| Equity capital to assets | 12.2434% | 1,050 |
| Core capital (leverage) ratio | 12.4064% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $418,303,400 | 1,958 |
| Average earning assets | $391,966,000 | 1,944 |
| Average equity | $46,664,400 | 1,692 |
| Average total loans | $249,706,800 | 2,003 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8834% | 4,024 |
| Cost of funding earning assets | 0.7707% | 3,602 |
| Net interest margin | 3.1127% | 3,116 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 1.7935% | 3,990 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.8357% | 618 |
| Return on assets (ROA) | 1.8357% | 610 |
| Pretax return on assets | 1.8357% | 948 |
| Return on Equity (ROE) | 16.8600% | 1,100 |
| Retained earnings to average equity (ytd only) | 7.6650% | 2,086 |
| Net charge-offs to loans | 0.0145% | 1,875 |
| Credit loss provision to net charge-offs | 74.0741% | 1,781 |
| Earnings coverage of net charge-offs (x) | 214.9630% | 569 |
| Efficiency ratio | 48.9481% | 3,985 |
| Assets per employee ($millions) | 5.9909% | 2,768 |
| Cash dividends to net income (ytd only)* | 54.5297% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 3,555 |
| Loan loss allowance to noncurrent loans | 726.3636% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 3,059 |
| Noncurrent loans to loans | 0.1310% | 2,900 |
| Net loans and leases to total assets | 60.3700% | 2,804 |
| Net loans and leases to deposits | 68.5427% | 2,939 |
| Net loans and leases to core deposits | 73.8017% | 3,004 |
| Total domestic deposits to total assets | 88.0700% | 1,543 |
| Equity capital to assets | 11.5180% | 1,172 |
| Core capital (leverage) ratio | 12.0755% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $420,107,750 | 1,952 |
| Average earning assets | $393,047,250 | 1,936 |
| Average equity | $45,747,750 | 1,698 |
| Average total loans | $248,589,250 | 2,008 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7456% | 4,087 |
| Cost of funding earning assets | 0.6893% | 3,517 |
| Net interest margin | 3.0563% | 3,312 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 1.7814% | 4,031 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.8231% | 630 |
| Return on assets (ROA) | 1.8231% | 627 |
| Pretax return on assets | 1.8231% | 969 |
| Return on Equity (ROE) | 17.0600% | 1,092 |
| Retained earnings to average equity (ytd only) | 7.7427% | 2,055 |
| Net charge-offs to loans | 0.0162% | 1,600 |
| Credit loss provision to net charge-offs | 60.0000% | 1,630 |
| Earnings coverage of net charge-offs (x) | 193.1000% | 627 |
| Efficiency ratio | 48.9507% | 4,001 |
| Assets per employee ($millions) | 5.6544% | 3,020 |
| Cash dividends to net income (ytd only)* | 54.6234% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9601% | 3,572 |
| Loan loss allowance to noncurrent loans | 12,610.5263% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,834 |
| Noncurrent loans to loans | 0.0076% | 3,747 |
| Net loans and leases to total assets | 59.0700% | 2,863 |
| Net loans and leases to deposits | 66.7165% | 3,021 |
| Net loans and leases to core deposits | 71.2969% | 3,049 |
| Total domestic deposits to total assets | 88.5400% | 1,406 |
| Equity capital to assets | 11.0692% | 1,365 |
| Core capital (leverage) ratio | 11.6509% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $422,354,000 | 1,944 |
| Average earning assets | $395,775,333 | 1,924 |
| Average equity | $45,126,333 | 1,721 |
| Average total loans | $247,472,667 | 2,009 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5894% | 4,166 |
| Cost of funding earning assets | 0.5959% | 3,397 |
| Net interest margin | 2.9935% | 3,617 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 1.7091% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8382% | 633 |
| Return on assets (ROA) | 1.8382% | 620 |
| Pretax return on assets | 1.8382% | 1,006 |
| Return on Equity (ROE) | 17.5200% | 1,096 |
| Retained earnings to average equity (ytd only) | 8.0662% | 2,200 |
| Net charge-offs to loans | 0.0097% | 1,577 |
| Credit loss provision to net charge-offs | 66.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 325.6667% | 343 |
| Efficiency ratio | 47.7303% | 4,099 |
| Assets per employee ($millions) | 5.8805% | 2,865 |
| Cash dividends to net income (ytd only)* | 53.9487% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 3,597 |
| Loan loss allowance to noncurrent loans | 3,937.7049% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,707 |
| Noncurrent loans to loans | 0.0249% | 3,593 |
| Net loans and leases to total assets | 57.3300% | 2,927 |
| Net loans and leases to deposits | 64.4589% | 3,047 |
| Net loans and leases to core deposits | 68.4710% | 3,058 |
| Total domestic deposits to total assets | 88.9400% | 1,567 |
| Equity capital to assets | 10.7191% | 1,446 |
| Core capital (leverage) ratio | 11.4582% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $424,319,000 | 1,959 |
| Average earning assets | $398,062,500 | 1,941 |
| Average equity | $44,531,500 | 1,752 |
| Average total loans | $246,430,000 | 2,043 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9614% | 4,177 |
| Cost of funding earning assets | 0.2321% | 3,494 |
| Net interest margin | 2.7293% | 4,013 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 1.6941% | 4,192 |
| Loan and lease loss provision to assets | -0.2800% | 4,657 |
| Net operating income to assets | 1.8306% | 409 |
| Return on assets (ROA) | 1.8163% | 407 |
| Pretax return on assets | 1.8163% | 710 |
| Return on Equity (ROE) | 17.7000% | 748 |
| Retained earnings to average equity (ytd only) | 9.6686% | 1,249 |
| Net charge-offs to loans | 0.0213% | 1,652 |
| Credit loss provision to net charge-offs | -2,426.5306% | 4,690 |
| Earnings coverage of net charge-offs (x) | 134.6531% | 839 |
| Efficiency ratio | 51.7314% | 4,006 |
| Assets per employee ($millions) | 6.0749% | 2,699 |
| Cash dividends to net income (ytd only)* | 45.3663% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 3,670 |
| Loan loss allowance to noncurrent loans | 8,861.5385% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,856 |
| Noncurrent loans to loans | 0.0105% | 3,766 |
| Net loans and leases to total assets | 57.7100% | 2,843 |
| Net loans and leases to deposits | 64.5449% | 2,994 |
| Net loans and leases to core deposits | 67.1403% | 3,061 |
| Total domestic deposits to total assets | 89.4100% | 1,592 |
| Equity capital to assets | 10.2715% | 1,572 |
| Core capital (leverage) ratio | 11.3720% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $425,368,400 | 1,933 |
| Average earning assets | $400,692,800 | 1,918 |
| Average equity | $43,656,600 | 1,797 |
| Average total loans | $230,232,600 | 2,053 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7974% | 4,199 |
| Cost of funding earning assets | 0.1993% | 3,284 |
| Net interest margin | 2.5981% | 4,106 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 1.6633% | 4,216 |
| Loan and lease loss provision to assets | -0.3700% | 4,721 |
| Net operating income to assets | 1.8395% | 393 |
| Return on assets (ROA) | 1.8395% | 382 |
| Pretax return on assets | 1.8395% | 676 |
| Return on Equity (ROE) | 17.9300% | 652 |
| Retained earnings to average equity (ytd only) | 9.8964% | 1,382 |
| Net charge-offs to loans | 0.0218% | 1,399 |
| Credit loss provision to net charge-offs | -3,221.6216% | 4,745 |
| Earnings coverage of net charge-offs (x) | 126.4054% | 823 |
| Efficiency ratio | 52.6542% | 3,959 |
| Assets per employee ($millions) | 6.1538% | 2,621 |
| Cash dividends to net income (ytd only)* | 44.7947% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 3,630 |
| Loan loss allowance to noncurrent loans | 9,637.5000% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 3,954 |
| Noncurrent loans to loans | 0.0100% | 3,874 |
| Net loans and leases to total assets | 56.6600% | 2,837 |
| Net loans and leases to deposits | 63.2146% | 2,928 |
| Net loans and leases to core deposits | 64.8431% | 3,047 |
| Total domestic deposits to total assets | 89.6300% | 1,819 |
| Equity capital to assets | 10.0553% | 1,587 |
| Core capital (leverage) ratio | 10.8207% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $425,399,750 | 1,946 |
| Average earning assets | $400,794,250 | 1,923 |
| Average equity | $43,651,000 | 1,828 |
| Average total loans | $225,862,250 | 2,073 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5740% | 4,300 |
| Cost of funding earning assets | 0.2013% | 2,896 |
| Net interest margin | 2.3727% | 4,256 |
| Noninterest income to average assets | 0.6832% | 1,417 |
| Noninterest expense to average assets | 1.6029% | 4,303 |
| Loan and lease loss provision to assets | -0.5588% | 4,753 |
| Net operating income to assets | 1.8821% | 279 |
| Return on assets (ROA) | 1.8821% | 277 |
| Pretax return on assets | 1.8821% | 485 |
| Return on Equity (ROE) | 18.2227% | 447 |
| Retained earnings to average equity (ytd only) | 10.2862% | 951 |
| Net charge-offs to loans | 0.0199% | 1,338 |
| Credit loss provision to net charge-offs | -5,431.8182% | 3,798 |
| Earnings coverage of net charge-offs (x) | 128.6364% | 708 |
| Efficiency ratio | 54.2346% | 3,944 |
| Assets per employee ($millions) | 6.6822% | 2,182 |
| Cash dividends to net income (ytd only)* | 43.5528% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,250 |
| Loan loss allowance to noncurrent loans | 19,375.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,039 |
| Noncurrent loans to loans | 0.0056% | 3,955 |
| Net loans and leases to total assets | 49.1622% | 3,456 |
| Net loans and leases to deposits | 54.7449% | 3,492 |
| Net loans and leases to core deposits | 56.0751% | 3,560 |
| Total domestic deposits to total assets | 89.8023% | 1,794 |
| Equity capital to assets | 9.8917% | 1,774 |
| Core capital (leverage) ratio | 10.5798% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $427,714,667 | 1,947 |
| Average earning assets | $404,356,000 | 1,928 |
| Average equity | $44,175,667 | 1,858 |
| Average total loans | $221,343,333 | 2,100 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4747% | 4,298 |
| Cost of funding earning assets | 0.2053% | 2,721 |
| Net interest margin | 2.2694% | 4,273 |
| Noninterest income to average assets | 0.6654% | 1,431 |
| Noninterest expense to average assets | 1.5721% | 4,340 |
| Loan and lease loss provision to assets | -0.5636% | 4,767 |
| Net operating income to assets | 1.8030% | 330 |
| Return on assets (ROA) | 1.8030% | 329 |
| Pretax return on assets | 1.8030% | 543 |
| Return on Equity (ROE) | 17.0874% | 414 |
| Retained earnings to average equity (ytd only) | 9.2538% | 1,201 |
| Net charge-offs to loans | 0.0161% | 1,215 |
| Credit loss provision to net charge-offs | -6,644.4444% | 3,534 |
| Earnings coverage of net charge-offs (x) | 146.1111% | 543 |
| Efficiency ratio | 55.3470% | 3,932 |
| Assets per employee ($millions) | 6.0077% | 2,806 |
| Cash dividends to net income (ytd only)* | 45.8442% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 2,304 |
| Loan loss allowance to noncurrent loans | 18,343.7500% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,059 |
| Noncurrent loans to loans | 0.0071% | 3,976 |
| Net loans and leases to total assets | 51.8155% | 3,000 |
| Net loans and leases to deposits | 58.0077% | 3,077 |
| Net loans and leases to core deposits | 59.9646% | 3,147 |
| Total domestic deposits to total assets | 89.3252% | 1,911 |
| Equity capital to assets | 10.3812% | 1,638 |
| Core capital (leverage) ratio | 10.3276% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $424,400,000 | 1,966 |
| Average earning assets | $401,346,000 | 1,951 |
| Average equity | $44,781,500 | 1,898 |
| Average total loans | $224,086,000 | 2,079 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7044% | 4,310 |
| Cost of funding earning assets | 0.2682% | 2,722 |
| Net interest margin | 2.4362% | 4,271 |
| Noninterest income to average assets | 0.7302% | 1,666 |
| Noninterest expense to average assets | 1.6285% | 4,388 |
| Loan and lease loss provision to assets | 0.0063% | 2,948 |
| Net operating income to assets | 1.3938% | 1,299 |
| Return on assets (ROA) | 1.3938% | 1,350 |
| Pretax return on assets | 1.3938% | 2,074 |
| Return on Equity (ROE) | 13.1953% | 1,398 |
| Retained earnings to average equity (ytd only) | 5.7892% | 2,447 |
| Net charge-offs to loans | 0.0093% | 2,225 |
| Credit loss provision to net charge-offs | 128.5714% | 1,591 |
| Earnings coverage of net charge-offs (x) | 283.8095% | 427 |
| Efficiency ratio | 53.2113% | 4,011 |
| Assets per employee ($millions) | 6.1196% | 2,645 |
| Cash dividends to net income (ytd only)* | 56.1267% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 1,306 |
| Loan loss allowance to noncurrent loans | 3,107.0175% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 3,857 |
| Noncurrent loans to loans | 0.0508% | 3,715 |
| Net loans and leases to total assets | 52.2619% | 3,032 |
| Net loans and leases to deposits | 58.7496% | 3,190 |
| Net loans and leases to core deposits | 60.7598% | 3,259 |
| Total domestic deposits to total assets | 88.9571% | 1,536 |
| Equity capital to assets | 10.7239% | 1,998 |
| Core capital (leverage) ratio | 10.1666% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $425,661,800 | 1,908 |
| Average earning assets | $401,610,800 | 1,899 |
| Average equity | $44,963,000 | 1,922 |
| Average total loans | $224,743,400 | 2,078 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7287% | 4,380 |
| Cost of funding earning assets | 0.2842% | 2,756 |
| Net interest margin | 2.4445% | 4,352 |
| Noninterest income to average assets | 0.7262% | 1,748 |
| Noninterest expense to average assets | 1.6180% | 4,446 |
| Loan and lease loss provision to assets | 0.0073% | 2,839 |
| Net operating income to assets | 1.4048% | 1,527 |
| Return on assets (ROA) | 1.4048% | 1,584 |
| Pretax return on assets | 1.4048% | 2,313 |
| Return on Equity (ROE) | 13.3499% | 1,597 |
| Retained earnings to average equity (ytd only) | 6.0600% | 2,791 |
| Net charge-offs to loans | 0.0065% | 2,076 |
| Credit loss provision to net charge-offs | 209.0909% | 1,179 |
| Earnings coverage of net charge-offs (x) | 410.6364% | 347 |
| Efficiency ratio | 52.8319% | 3,940 |
| Assets per employee ($millions) | 6.2238% | 2,476 |
| Cash dividends to net income (ytd only)* | 54.6061% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6048% | 1,327 |
| Loan loss allowance to noncurrent loans | 18,673.6842% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,228 |
| Noncurrent loans to loans | 0.0086% | 4,144 |
| Net loans and leases to total assets | 50.6549% | 3,325 |
| Net loans and leases to deposits | 56.9058% | 3,497 |
| Net loans and leases to core deposits | 58.8626% | 3,559 |
| Total domestic deposits to total assets | 89.0154% | 1,266 |
| Equity capital to assets | 10.6596% | 2,308 |
| Core capital (leverage) ratio | 9.9276% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $426,514,250 | 1,925 |
| Average earning assets | $401,984,250 | 1,917 |
| Average equity | $44,883,250 | 1,947 |
| Average total loans | $224,874,500 | 2,110 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7932% | 4,347 |
| Cost of funding earning assets | 0.3015% | 2,765 |
| Net interest margin | 2.4916% | 4,317 |
| Noninterest income to average assets | 0.7290% | 1,723 |
| Noninterest expense to average assets | 1.6031% | 4,506 |
| Loan and lease loss provision to assets | 0.0080% | 2,756 |
| Net operating income to assets | 1.4636% | 1,391 |
| Return on assets (ROA) | 1.4636% | 1,449 |
| Pretax return on assets | 1.4636% | 2,126 |
| Return on Equity (ROE) | 13.9687% | 1,420 |
| Retained earnings to average equity (ytd only) | 6.8946% | 2,468 |
| Net charge-offs to loans | -0.0009% | 3,077 |
| Credit loss provision to net charge-offs | -1,700.0000% | 3,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5592% | 4,089 |
| Assets per employee ($millions) | 6.0311% | 2,582 |
| Cash dividends to net income (ytd only)* | 50.6423% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6101% | 1,249 |
| Loan loss allowance to noncurrent loans | 5,077.1429% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 4,176 |
| Noncurrent loans to loans | 0.0317% | 4,039 |
| Net loans and leases to total assets | 50.7183% | 3,485 |
| Net loans and leases to deposits | 56.9025% | 3,644 |
| Net loans and leases to core deposits | 58.7192% | 3,711 |
| Total domestic deposits to total assets | 89.1320% | 1,212 |
| Equity capital to assets | 10.5563% | 2,347 |
| Core capital (leverage) ratio | 10.0272% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $425,537,333 | 1,925 |
| Average earning assets | $400,622,667 | 1,909 |
| Average equity | $44,585,333 | 1,946 |
| Average total loans | $226,138,333 | 2,117 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6900% | 4,491 |
| Cost of funding earning assets | 0.3204% | 2,794 |
| Net interest margin | 2.3696% | 4,449 |
| Noninterest income to average assets | 0.6968% | 1,876 |
| Noninterest expense to average assets | 1.6068% | 4,522 |
| Loan and lease loss provision to assets | 0.0132% | 2,609 |
| Net operating income to assets | 1.3088% | 1,798 |
| Return on assets (ROA) | 1.3088% | 1,883 |
| Pretax return on assets | 1.3088% | 2,548 |
| Return on Equity (ROE) | 12.5394% | 1,821 |
| Retained earnings to average equity (ytd only) | 4.6255% | 3,334 |
| Net charge-offs to loans | -0.0017% | 3,110 |
| Credit loss provision to net charge-offs | -1,400.0000% | 3,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2498% | 3,755 |
| Assets per employee ($millions) | 5.8790% | 2,718 |
| Cash dividends to net income (ytd only)* | 63.1124% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 1,381 |
| Loan loss allowance to noncurrent loans | 6,122.4138% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 4,276 |
| Noncurrent loans to loans | 0.0256% | 4,162 |
| Net loans and leases to total assets | 53.4731% | 3,289 |
| Net loans and leases to deposits | 60.0507% | 3,476 |
| Net loans and leases to core deposits | 62.5830% | 3,534 |
| Total domestic deposits to total assets | 89.0466% | 1,327 |
| Equity capital to assets | 10.6370% | 2,138 |
| Core capital (leverage) ratio | 9.6583% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $424,201,000 | 1,921 |
| Average earning assets | $399,557,500 | 1,906 |
| Average equity | $44,276,500 | 1,942 |
| Average total loans | $228,840,000 | 2,101 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2912% | 4,346 |
| Cost of funding earning assets | 0.4652% | 3,187 |
| Net interest margin | 2.8259% | 4,223 |
| Noninterest income to average assets | 0.8079% | 1,508 |
| Noninterest expense to average assets | 1.6971% | 4,619 |
| Loan and lease loss provision to assets | 0.3624% | 927 |
| Net operating income to assets | 1.4008% | 1,018 |
| Return on assets (ROA) | 1.4008% | 1,106 |
| Pretax return on assets | 1.4008% | 1,653 |
| Return on Equity (ROE) | 13.3303% | 957 |
| Retained earnings to average equity (ytd only) | 8.3765% | 950 |
| Net charge-offs to loans | 0.0131% | 2,870 |
| Credit loss provision to net charge-offs | 4,575.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 222.5938% | 434 |
| Efficiency ratio | 48.4727% | 4,613 |
| Assets per employee ($millions) | 5.8242% | 2,520 |
| Cash dividends to net income (ytd only)* | 37.1620% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 1,477 |
| Loan loss allowance to noncurrent loans | 6,096.5517% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 4,345 |
| Noncurrent loans to loans | 0.0251% | 4,225 |
| Net loans and leases to total assets | 52.7599% | 3,606 |
| Net loans and leases to deposits | 59.0092% | 3,823 |
| Net loans and leases to core deposits | 61.1431% | 3,879 |
| Total domestic deposits to total assets | 89.4097% | 806 |
| Equity capital to assets | 10.2446% | 2,886 |
| Core capital (leverage) ratio | 9.1960% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $403,987,400 | 1,849 |
| Average earning assets | $379,167,600 | 1,837 |
| Average equity | $42,452,200 | 1,927 |
| Average total loans | $244,581,400 | 1,943 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4588% | 4,275 |
| Cost of funding earning assets | 0.5021% | 3,207 |
| Net interest margin | 2.9567% | 4,072 |
| Noninterest income to average assets | 0.8180% | 1,428 |
| Noninterest expense to average assets | 1.7044% | 4,618 |
| Loan and lease loss provision to assets | 0.3542% | 1,067 |
| Net operating income to assets | 1.5302% | 852 |
| Return on assets (ROA) | 1.5302% | 930 |
| Pretax return on assets | 1.5302% | 1,377 |
| Return on Equity (ROE) | 14.4634% | 802 |
| Retained earnings to average equity (ytd only) | 10.0155% | 759 |
| Net charge-offs to loans | 0.0124% | 2,665 |
| Credit loss provision to net charge-offs | 4,586.9565% | 244 |
| Earnings coverage of net charge-offs (x) | 244.0870% | 420 |
| Efficiency ratio | 46.9229% | 4,667 |
| Assets per employee ($millions) | 5.9504% | 2,307 |
| Cash dividends to net income (ytd only)* | 30.7524% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 2,237 |
| Loan loss allowance to noncurrent loans | 4,544.9275% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 4,406 |
| Noncurrent loans to loans | 0.0282% | 4,294 |
| Net loans and leases to total assets | 54.8623% | 3,725 |
| Net loans and leases to deposits | 61.1663% | 3,982 |
| Net loans and leases to core deposits | 63.0754% | 4,049 |
| Total domestic deposits to total assets | 89.6937% | 526 |
| Equity capital to assets | 9.9602% | 3,258 |
| Core capital (leverage) ratio | 9.1196% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $397,236,750 | 1,850 |
| Average earning assets | $372,257,000 | 1,835 |
| Average equity | $42,027,000 | 1,932 |
| Average total loans | $247,995,250 | 1,934 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7260% | 4,032 |
| Cost of funding earning assets | 0.5593% | 3,184 |
| Net interest margin | 3.1667% | 3,751 |
| Noninterest income to average assets | 0.8227% | 1,366 |
| Noninterest expense to average assets | 1.7552% | 4,621 |
| Loan and lease loss provision to assets | 0.2863% | 1,499 |
| Net operating income to assets | 1.7421% | 569 |
| Return on assets (ROA) | 1.7421% | 619 |
| Pretax return on assets | 1.7421% | 908 |
| Return on Equity (ROE) | 16.1046% | 543 |
| Retained earnings to average equity (ytd only) | 9.3344% | 928 |
| Net charge-offs to loans | 0.0136% | 2,480 |
| Credit loss provision to net charge-offs | 3,223.5294% | 340 |
| Earnings coverage of net charge-offs (x) | 228.4118% | 396 |
| Efficiency ratio | 45.8097% | 4,734 |
| Assets per employee ($millions) | 5.8089% | 2,365 |
| Cash dividends to net income (ytd only)* | 42.0390% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,319 |
| Loan loss allowance to noncurrent loans | 1,505.1429% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 4,339 |
| Noncurrent loans to loans | 0.0698% | 4,185 |
| Net loans and leases to total assets | 56.9360% | 3,616 |
| Net loans and leases to deposits | 63.3599% | 3,931 |
| Net loans and leases to core deposits | 65.1362% | 4,016 |
| Total domestic deposits to total assets | 89.8613% | 442 |
| Equity capital to assets | 9.7951% | 3,372 |
| Core capital (leverage) ratio | 9.6825% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $382,871,333 | 1,882 |
| Average earning assets | $357,970,333 | 1,864 |
| Average equity | $41,416,667 | 1,939 |
| Average total loans | $249,089,333 | 1,908 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 3,775 |
| Cost of funding earning assets | 0.6749% | 3,033 |
| Net interest margin | 3.3287% | 3,523 |
| Noninterest income to average assets | 0.8135% | 1,271 |
| Noninterest expense to average assets | 1.8975% | 4,547 |
| Loan and lease loss provision to assets | 0.0449% | 3,217 |
| Net operating income to assets | 1.9592% | 292 |
| Return on assets (ROA) | 1.9592% | 324 |
| Pretax return on assets | 1.9592% | 498 |
| Return on Equity (ROE) | 17.1227% | 322 |
| Retained earnings to average equity (ytd only) | 3.3735% | 2,930 |
| Net charge-offs to loans | 0.0226% | 1,913 |
| Credit loss provision to net charge-offs | 285.7143% | 1,211 |
| Earnings coverage of net charge-offs (x) | 127.5714% | 485 |
| Efficiency ratio | 48.0299% | 4,758 |
| Assets per employee ($millions) | 4.8229% | 2,847 |
| Cash dividends to net income (ytd only)* | 80.2978% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 4,232 |
| Loan loss allowance to noncurrent loans | 1,489.5105% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 4,413 |
| Noncurrent loans to loans | 0.0581% | 4,319 |
| Net loans and leases to total assets | 68.4059% | 2,488 |
| Net loans and leases to deposits | 77.6870% | 2,919 |
| Net loans and leases to core deposits | 80.4095% | 3,160 |
| Total domestic deposits to total assets | 88.0533% | 1,085 |
| Equity capital to assets | 11.5247% | 2,422 |
| Core capital (leverage) ratio | 10.5966% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,474,000 | 1,933 |
| Average earning assets | $330,702,500 | 1,931 |
| Average equity | $40,788,000 | 1,956 |
| Average total loans | $248,291,500 | 1,873 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 3,849 |
| Cost of funding earning assets | 0.7516% | 2,910 |
| Net interest margin | 3.4319% | 3,646 |
| Noninterest income to average assets | 0.8694% | 1,247 |
| Noninterest expense to average assets | 1.9646% | 4,591 |
| Loan and lease loss provision to assets | 0.0470% | 3,084 |
| Net operating income to assets | 2.0402% | 315 |
| Return on assets (ROA) | 2.0402% | 335 |
| Pretax return on assets | 2.0402% | 547 |
| Return on Equity (ROE) | 18.3299% | 316 |
| Retained earnings to average equity (ytd only) | 4.9514% | 2,444 |
| Net charge-offs to loans | 0.0244% | 2,917 |
| Credit loss provision to net charge-offs | 267.7419% | 1,037 |
| Earnings coverage of net charge-offs (x) | 118.8710% | 594 |
| Efficiency ratio | 47.8647% | 4,837 |
| Assets per employee ($millions) | 4.5648% | 3,129 |
| Cash dividends to net income (ytd only)* | 72.9872% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 4,187 |
| Loan loss allowance to noncurrent loans | 2,364.0449% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,530 |
| Noncurrent loans to loans | 0.0356% | 4,418 |
| Net loans and leases to total assets | 69.7120% | 2,448 |
| Net loans and leases to deposits | 79.5159% | 2,836 |
| Net loans and leases to core deposits | 83.8082% | 2,970 |
| Total domestic deposits to total assets | 87.6704% | 1,289 |
| Equity capital to assets | 11.3592% | 2,654 |
| Core capital (leverage) ratio | 10.4308% | 3,030 |
| Tier 1 risk-based capital ratio | 14.8135% | 2,861 |
| Total risk-based capital ratio | 15.6703% | 2,969 |
| Memoranda: | ||
| Average total assets | $353,104,200 | 1,899 |
| Average earning assets | $327,430,400 | 1,890 |
| Average equity | $39,302,000 | 1,970 |
| Average total loans | $253,908,200 | 1,803 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 3,931 |
| Cost of funding earning assets | 0.7572% | 2,933 |
| Net interest margin | 3.4378% | 3,766 |
| Noninterest income to average assets | 0.8726% | 1,212 |
| Noninterest expense to average assets | 1.9672% | 4,614 |
| Loan and lease loss provision to assets | 0.0473% | 2,949 |
| Net operating income to assets | 2.0497% | 364 |
| Return on assets (ROA) | 2.0497% | 377 |
| Pretax return on assets | 2.0497% | 617 |
| Return on Equity (ROE) | 18.5115% | 351 |
| Retained earnings to average equity (ytd only) | 7.7299% | 1,527 |
| Net charge-offs to loans | 0.0220% | 2,661 |
| Credit loss provision to net charge-offs | 297.6190% | 955 |
| Earnings coverage of net charge-offs (x) | 131.9491% | 601 |
| Efficiency ratio | 47.7702% | 4,862 |
| Assets per employee ($millions) | 4.6133% | 3,033 |
| Cash dividends to net income (ytd only)* | 58.2425% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8186% | 4,358 |
| Loan loss allowance to noncurrent loans | 1,096.3158% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 4,439 |
| Noncurrent loans to loans | 0.0747% | 4,306 |
| Net loans and leases to total assets | 71.9816% | 2,177 |
| Net loans and leases to deposits | 81.9054% | 2,692 |
| Net loans and leases to core deposits | 88.3237% | 2,699 |
| Total domestic deposits to total assets | 87.8838% | 1,086 |
| Equity capital to assets | 11.6154% | 2,586 |
| Core capital (leverage) ratio | 10.4643% | 3,136 |
| Tier 1 risk-based capital ratio | 14.9323% | 2,883 |
| Total risk-based capital ratio | 15.7804% | 2,988 |
| Memoranda: | ||
| Average total assets | $352,366,500 | 1,914 |
| Average earning assets | $327,143,500 | 1,906 |
| Average equity | $39,016,250 | 1,987 |
| Average total loans | $254,806,000 | 1,815 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 4,035 |
| Cost of funding earning assets | 0.7461% | 2,912 |
| Net interest margin | 3.4093% | 3,870 |
| Noninterest income to average assets | 0.8262% | 1,261 |
| Noninterest expense to average assets | 1.9561% | 4,676 |
| Loan and lease loss provision to assets | 0.0465% | 2,886 |
| Net operating income to assets | 1.9929% | 392 |
| Return on assets (ROA) | 1.9929% | 413 |
| Pretax return on assets | 1.9929% | 687 |
| Return on Equity (ROE) | 18.2955% | 367 |
| Retained earnings to average equity (ytd only) | 6.4453% | 2,082 |
| Net charge-offs to loans | 0.0267% | 2,318 |
| Credit loss provision to net charge-offs | 241.1765% | 1,053 |
| Earnings coverage of net charge-offs (x) | 105.8529% | 671 |
| Efficiency ratio | 48.3052% | 4,884 |
| Assets per employee ($millions) | 5.0024% | 2,475 |
| Cash dividends to net income (ytd only)* | 64.7711% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8025% | 4,428 |
| Loan loss allowance to noncurrent loans | 4,995.1220% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 4,742 |
| Noncurrent loans to loans | 0.0161% | 4,645 |
| Net loans and leases to total assets | 70.2910% | 2,490 |
| Net loans and leases to deposits | 79.3733% | 3,013 |
| Net loans and leases to core deposits | 86.8579% | 2,894 |
| Total domestic deposits to total assets | 88.5575% | 854 |
| Equity capital to assets | 11.0122% | 3,039 |
| Core capital (leverage) ratio | 10.0765% | 3,517 |
| Tier 1 risk-based capital ratio | 14.2169% | 3,199 |
| Total risk-based capital ratio | 15.0341% | 3,324 |
| Memoranda: | ||
| Average total assets | $352,951,330 | 1,922 |
| Average earning assets | $328,107,330 | 1,917 |
| Average equity | $38,446,670 | 2,003 |
| Average total loans | $254,921,670 | 1,823 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 4,023 |
| Cost of funding earning assets | 0.7260% | 2,911 |
| Net interest margin | 3.4172% | 3,844 |
| Noninterest income to average assets | 0.8049% | 1,289 |
| Noninterest expense to average assets | 1.9614% | 4,713 |
| Loan and lease loss provision to assets | 0.0469% | 2,708 |
| Net operating income to assets | 1.9763% | 404 |
| Return on assets (ROA) | 1.9763% | 419 |
| Pretax return on assets | 1.9763% | 667 |
| Return on Equity (ROE) | 18.2460% | 376 |
| Retained earnings to average equity (ytd only) | 3.4251% | 3,546 |
| Net charge-offs to loans | 0.0063% | 2,472 |
| Credit loss provision to net charge-offs | 1,025.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 441.7500% | 175 |
| Efficiency ratio | 48.5632% | 4,918 |
| Assets per employee ($millions) | 4.7030% | 2,915 |
| Cash dividends to net income (ytd only)* | 81.2283% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7980% | 4,529 |
| Loan loss allowance to noncurrent loans | 1,023.6181% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 4,541 |
| Noncurrent loans to loans | 0.0780% | 4,413 |
| Net loans and leases to total assets | 70.8501% | 2,350 |
| Net loans and leases to deposits | 79.7023% | 2,873 |
| Net loans and leases to core deposits | 87.5353% | 2,737 |
| Total domestic deposits to total assets | 88.8934% | 913 |
| Equity capital to assets | 10.6922% | 3,172 |
| Core capital (leverage) ratio | 10.0704% | 3,525 |
| Tier 1 risk-based capital ratio | 13.8538% | 3,423 |
| Total risk-based capital ratio | 14.6673% | 3,555 |
| Memoranda: | ||
| Average total assets | $349,340,000 | 1,952 |
| Average earning assets | $325,063,500 | 1,941 |
| Average equity | $37,838,500 | 2,023 |
| Average total loans | $254,773,500 | 1,829 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 4,088 |
| Cost of funding earning assets | 0.4650% | 3,578 |
| Net interest margin | 3.5120% | 3,663 |
| Noninterest income to average assets | 0.8901% | 1,199 |
| Noninterest expense to average assets | 2.0430% | 4,675 |
| Loan and lease loss provision to assets | 0.0495% | 3,193 |
| Net operating income to assets | 2.0642% | 314 |
| Return on assets (ROA) | 2.0642% | 312 |
| Pretax return on assets | 2.0642% | 479 |
| Return on Equity (ROE) | 19.1012% | 305 |
| Retained earnings to average equity (ytd only) | 5.2330% | 2,642 |
| Net charge-offs to loans | 0.0268% | 2,878 |
| Credit loss provision to net charge-offs | 254.5455% | 1,173 |
| Earnings coverage of net charge-offs (x) | 108.6212% | 699 |
| Efficiency ratio | 48.4466% | 5,022 |
| Assets per employee ($millions) | 4.6115% | 3,004 |
| Cash dividends to net income (ytd only)* | 72.6039% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 4,578 |
| Loan loss allowance to noncurrent loans | 478.4689% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 4,212 |
| Noncurrent loans to loans | 0.1644% | 4,009 |
| Net loans and leases to total assets | 73.9254% | 1,945 |
| Net loans and leases to deposits | 83.8366% | 2,526 |
| Net loans and leases to core deposits | 91.7029% | 2,435 |
| Total domestic deposits to total assets | 88.1779% | 1,221 |
| Equity capital to assets | 10.9772% | 2,712 |
| Core capital (leverage) ratio | 10.0939% | 3,468 |
| Tier 1 risk-based capital ratio | 13.6128% | 3,486 |
| Total risk-based capital ratio | 14.4055% | 3,642 |
| Memoranda: | ||
| Average total assets | $339,163,800 | 1,956 |
| Average earning assets | $315,459,000 | 1,945 |
| Average equity | $36,652,200 | 2,002 |
| Average total loans | $246,541,000 | 1,842 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9064% | 4,199 |
| Cost of funding earning assets | 0.3994% | 3,864 |
| Net interest margin | 3.5070% | 3,675 |
| Noninterest income to average assets | 0.8733% | 1,276 |
| Noninterest expense to average assets | 2.0572% | 4,637 |
| Loan and lease loss provision to assets | 0.0492% | 3,008 |
| Net operating income to assets | 2.0237% | 358 |
| Return on assets (ROA) | 2.0237% | 356 |
| Pretax return on assets | 2.0237% | 589 |
| Return on Equity (ROE) | 18.8014% | 357 |
| Retained earnings to average equity (ytd only) | 7.9010% | 1,702 |
| Net charge-offs to loans | 0.0147% | 2,895 |
| Credit loss provision to net charge-offs | 462.9630% | 744 |
| Earnings coverage of net charge-offs (x) | 194.9950% | 447 |
| Efficiency ratio | 49.0848% | 4,997 |
| Assets per employee ($millions) | 4.8287% | 2,683 |
| Cash dividends to net income (ytd only)* | 57.9766% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7663% | 4,717 |
| Loan loss allowance to noncurrent loans | 529.4430% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 4,430 |
| Noncurrent loans to loans | 0.1447% | 4,241 |
| Net loans and leases to total assets | 74.3459% | 1,924 |
| Net loans and leases to deposits | 87.8391% | 2,174 |
| Net loans and leases to core deposits | 92.0014% | 2,483 |
| Total domestic deposits to total assets | 84.6388% | 2,743 |
| Equity capital to assets | 10.7585% | 2,888 |
| Core capital (leverage) ratio | 10.2746% | 3,328 |
| Tier 1 risk-based capital ratio | 13.4935% | 3,631 |
| Total risk-based capital ratio | 14.2728% | 3,804 |
| Memoranda: | ||
| Average total assets | $338,641,750 | 1,966 |
| Average earning assets | $314,487,000 | 1,961 |
| Average equity | $36,450,250 | 2,009 |
| Average total loans | $244,608,250 | 1,858 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8179% | 4,303 |
| Cost of funding earning assets | 0.3666% | 3,968 |
| Net interest margin | 3.4514% | 3,797 |
| Noninterest income to average assets | 0.8539% | 1,307 |
| Noninterest expense to average assets | 2.0117% | 4,778 |
| Loan and lease loss provision to assets | 0.0495% | 2,924 |
| Net operating income to assets | 1.9962% | 386 |
| Return on assets (ROA) | 1.9962% | 383 |
| Pretax return on assets | 1.9962% | 611 |
| Return on Equity (ROE) | 18.5430% | 371 |
| Retained earnings to average equity (ytd only) | 6.9024% | 2,111 |
| Net charge-offs to loans | 0.0075% | 2,859 |
| Credit loss provision to net charge-offs | 922.2222% | 437 |
| Earnings coverage of net charge-offs (x) | 381.4444% | 241 |
| Efficiency ratio | 48.8177% | 5,080 |
| Assets per employee ($millions) | 4.5631% | 3,031 |
| Cash dividends to net income (ytd only)* | 62.7761% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 4,693 |
| Loan loss allowance to noncurrent loans | 2,320.0000% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 4,901 |
| Noncurrent loans to loans | 0.0345% | 4,761 |
| Net loans and leases to total assets | 72.3734% | 2,216 |
| Net loans and leases to deposits | 81.5724% | 2,811 |
| Net loans and leases to core deposits | 84.3275% | 3,055 |
| Total domestic deposits to total assets | 88.7229% | 1,048 |
| Equity capital to assets | 10.8255% | 2,810 |
| Core capital (leverage) ratio | 10.1201% | 3,458 |
| Tier 1 risk-based capital ratio | 13.7324% | 3,489 |
| Total risk-based capital ratio | 14.5378% | 3,665 |
| Memoranda: | ||
| Average total assets | $335,633,000 | 1,983 |
| Average earning assets | $311,528,670 | 1,979 |
| Average equity | $36,132,330 | 2,026 |
| Average total loans | $239,320,000 | 1,893 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7666% | 4,308 |
| Cost of funding earning assets | 0.3578% | 3,926 |
| Net interest margin | 3.4088% | 3,856 |
| Noninterest income to average assets | 0.8308% | 1,360 |
| Noninterest expense to average assets | 2.0226% | 4,804 |
| Loan and lease loss provision to assets | 0.0490% | 2,800 |
| Net operating income to assets | 1.9138% | 438 |
| Return on assets (ROA) | 1.9138% | 438 |
| Pretax return on assets | 1.9138% | 695 |
| Return on Equity (ROE) | 17.8278% | 430 |
| Retained earnings to average equity (ytd only) | 4.1646% | 3,526 |
| Net charge-offs to loans | 0.0068% | 2,492 |
| Credit loss provision to net charge-offs | 1,025.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 410.5000% | 163 |
| Efficiency ratio | 49.9700% | 5,086 |
| Assets per employee ($millions) | 4.6409% | 2,941 |
| Cash dividends to net income (ytd only)* | 76.6396% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8273% | 4,713 |
| Loan loss allowance to noncurrent loans | 3,948.9796% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 5,052 |
| Noncurrent loans to loans | 0.0210% | 4,892 |
| Net loans and leases to total assets | 68.4642% | 2,705 |
| Net loans and leases to deposits | 76.9702% | 3,116 |
| Net loans and leases to core deposits | 79.9664% | 3,327 |
| Total domestic deposits to total assets | 88.9490% | 1,115 |
| Equity capital to assets | 10.6248% | 2,946 |
| Core capital (leverage) ratio | 10.0032% | 3,536 |
| Tier 1 risk-based capital ratio | 14.1664% | 3,294 |
| Total risk-based capital ratio | 15.0040% | 3,421 |
| Memoranda: | ||
| Average total assets | $334,616,000 | 1,999 |
| Average earning assets | $309,668,500 | 2,001 |
| Average equity | $35,921,500 | 2,050 |
| Average total loans | $235,803,500 | 1,924 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6355% | 4,490 |
| Cost of funding earning assets | 0.3230% | 3,926 |
| Net interest margin | 3.3126% | 4,117 |
| Noninterest income to average assets | 0.9421% | 1,159 |
| Noninterest expense to average assets | 2.0287% | 4,915 |
| Loan and lease loss provision to assets | 0.0497% | 3,226 |
| Net operating income to assets | 1.9156% | 328 |
| Return on assets (ROA) | 1.9156% | 335 |
| Pretax return on assets | 1.9156% | 588 |
| Return on Equity (ROE) | 18.1566% | 292 |
| Retained earnings to average equity (ytd only) | 4.3834% | 2,529 |
| Net charge-offs to loans | 0.0174% | 3,515 |
| Credit loss provision to net charge-offs | 409.7561% | 742 |
| Earnings coverage of net charge-offs (x) | 161.9024% | 454 |
| Efficiency ratio | 49.9778% | 5,216 |
| Assets per employee ($millions) | 4.4060% | 3,339 |
| Cash dividends to net income (ytd only)* | 75.8578% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7984% | 4,838 |
| Loan loss allowance to noncurrent loans | 1,694.6429% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 4,969 |
| Noncurrent loans to loans | 0.0471% | 4,785 |
| Net loans and leases to total assets | 71.3662% | 2,327 |
| Net loans and leases to deposits | 80.8165% | 2,834 |
| Net loans and leases to core deposits | 84.0616% | 3,050 |
| Total domestic deposits to total assets | 88.3065% | 1,342 |
| Equity capital to assets | 10.8483% | 2,781 |
| Core capital (leverage) ratio | 9.9505% | 3,515 |
| Tier 1 risk-based capital ratio | 13.7493% | 3,496 |
| Total risk-based capital ratio | 14.5541% | 3,655 |
| Memoranda: | ||
| Average total assets | $337,754,800 | 1,970 |
| Average earning assets | $311,178,800 | 1,985 |
| Average equity | $35,634,400 | 2,044 |
| Average total loans | $235,949,600 | 1,902 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5834% | 4,601 |
| Cost of funding earning assets | 0.3096% | 4,035 |
| Net interest margin | 3.2738% | 4,248 |
| Noninterest income to average assets | 0.9659% | 1,102 |
| Noninterest expense to average assets | 2.0036% | 4,941 |
| Loan and lease loss provision to assets | 0.0491% | 3,115 |
| Net operating income to assets | 1.9274% | 361 |
| Return on assets (ROA) | 1.9274% | 368 |
| Pretax return on assets | 1.9274% | 642 |
| Return on Equity (ROE) | 18.3951% | 306 |
| Retained earnings to average equity (ytd only) | 7.8879% | 1,265 |
| Net charge-offs to loans | 0.0142% | 3,240 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 201.3750% | 432 |
| Efficiency ratio | 49.5117% | 5,270 |
| Assets per employee ($millions) | 4.3948% | 3,321 |
| Cash dividends to net income (ytd only)* | 57.1195% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7881% | 4,923 |
| Loan loss allowance to noncurrent loans | 3,067.2131% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 5,163 |
| Noncurrent loans to loans | 0.0257% | 5,007 |
| Net loans and leases to total assets | 70.5219% | 2,480 |
| Net loans and leases to deposits | 79.6871% | 3,003 |
| Net loans and leases to core deposits | 81.2846% | 3,351 |
| Total domestic deposits to total assets | 88.4985% | 1,122 |
| Equity capital to assets | 11.0347% | 2,832 |
| Core capital (leverage) ratio | 9.9549% | 3,623 |
| Tier 1 risk-based capital ratio | 14.4132% | 3,233 |
| Total risk-based capital ratio | 15.2317% | 3,370 |
| Memoranda: | ||
| Average total assets | $339,581,250 | 1,979 |
| Average earning assets | $312,652,000 | 1,988 |
| Average equity | $35,581,000 | 2,055 |
| Average total loans | $235,505,250 | 1,912 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5342% | 4,671 |
| Cost of funding earning assets | 0.2998% | 4,085 |
| Net interest margin | 3.2344% | 4,313 |
| Noninterest income to average assets | 0.8652% | 1,376 |
| Noninterest expense to average assets | 1.9722% | 5,032 |
| Loan and lease loss provision to assets | 0.0486% | 3,018 |
| Net operating income to assets | 1.8211% | 436 |
| Return on assets (ROA) | 1.8211% | 449 |
| Pretax return on assets | 1.8211% | 794 |
| Return on Equity (ROE) | 17.6869% | 357 |
| Retained earnings to average equity (ytd only) | 6.7186% | 1,730 |
| Net charge-offs to loans | 0.0094% | 3,131 |
| Credit loss provision to net charge-offs | 754.5455% | 472 |
| Earnings coverage of net charge-offs (x) | 290.1818% | 289 |
| Efficiency ratio | 50.4650% | 5,278 |
| Assets per employee ($millions) | 4.5360% | 3,047 |
| Cash dividends to net income (ytd only)* | 62.0135% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8064% | 4,934 |
| Loan loss allowance to noncurrent loans | 970.0000% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 4,992 |
| Noncurrent loans to loans | 0.0831% | 4,798 |
| Net loans and leases to total assets | 66.6391% | 3,015 |
| Net loans and leases to deposits | 74.8873% | 3,455 |
| Net loans and leases to core deposits | 75.9930% | 3,777 |
| Total domestic deposits to total assets | 88.9859% | 964 |
| Equity capital to assets | 10.5696% | 3,259 |
| Core capital (leverage) ratio | 9.5321% | 4,100 |
| Tier 1 risk-based capital ratio | 14.8489% | 2,991 |
| Total risk-based capital ratio | 15.7041% | 3,114 |
| Memoranda: | ||
| Average total assets | $341,441,330 | 1,971 |
| Average earning assets | $314,246,670 | 1,984 |
| Average equity | $35,156,000 | 2,068 |
| Average total loans | $234,868,670 | 1,920 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5150% | 4,651 |
| Cost of funding earning assets | 0.3007% | 4,040 |
| Net interest margin | 3.2143% | 4,294 |
| Noninterest income to average assets | 0.8291% | 1,459 |
| Noninterest expense to average assets | 1.9774% | 5,100 |
| Loan and lease loss provision to assets | 0.0479% | 2,855 |
| Net operating income to assets | 1.7541% | 495 |
| Return on assets (ROA) | 1.7541% | 504 |
| Pretax return on assets | 1.7541% | 897 |
| Return on Equity (ROE) | 17.2637% | 391 |
| Retained earnings to average equity (ytd only) | 5.1561% | 2,804 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4233% | 5,293 |
| Assets per employee ($millions) | 4.5773% | 3,046 |
| Cash dividends to net income (ytd only)* | 70.1333% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7606% | 5,173 |
| Loan loss allowance to noncurrent loans | 4,213.9535% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 5,305 |
| Noncurrent loans to loans | 0.0180% | 5,159 |
| Net loans and leases to total assets | 68.8699% | 2,552 |
| Net loans and leases to deposits | 77.0428% | 3,074 |
| Net loans and leases to core deposits | 78.0307% | 3,467 |
| Total domestic deposits to total assets | 89.3917% | 950 |
| Equity capital to assets | 10.1900% | 3,515 |
| Core capital (leverage) ratio | 9.4609% | 4,159 |
| Tier 1 risk-based capital ratio | 13.8655% | 3,567 |
| Total risk-based capital ratio | 14.6696% | 3,738 |
| Memoranda: | ||
| Average total assets | $342,061,500 | 1,977 |
| Average earning assets | $313,972,500 | 2,002 |
| Average equity | $34,755,000 | 2,094 |
| Average total loans | $238,028,000 | 1,905 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5325% | 4,692 |
| Cost of funding earning assets | 0.2808% | 4,246 |
| Net interest margin | 3.2517% | 4,292 |
| Noninterest income to average assets | 0.8661% | 1,518 |
| Noninterest expense to average assets | 2.0597% | 5,079 |
| Loan and lease loss provision to assets | 0.0501% | 3,391 |
| Net operating income to assets | 1.7627% | 478 |
| Return on assets (ROA) | 1.7675% | 492 |
| Pretax return on assets | 1.7675% | 862 |
| Return on Equity (ROE) | 17.2054% | 386 |
| Retained earnings to average equity (ytd only) | 4.4742% | 2,728 |
| Net charge-offs to loans | 0.0258% | 3,519 |
| Credit loss provision to net charge-offs | 284.7458% | 1,026 |
| Earnings coverage of net charge-offs (x) | 102.9492% | 587 |
| Efficiency ratio | 52.2466% | 5,364 |
| Assets per employee ($millions) | 4.6057% | 2,950 |
| Cash dividends to net income (ytd only)* | 73.9953% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7447% | 5,250 |
| Loan loss allowance to noncurrent loans | 725.8197% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 5,045 |
| Noncurrent loans to loans | 0.1026% | 4,823 |
| Net loans and leases to total assets | 69.2567% | 2,591 |
| Net loans and leases to deposits | 79.8271% | 2,905 |
| Net loans and leases to core deposits | 80.8337% | 3,322 |
| Total domestic deposits to total assets | 86.7583% | 2,260 |
| Equity capital to assets | 10.1307% | 3,571 |
| Core capital (leverage) ratio | 9.1035% | 4,612 |
| Tier 1 risk-based capital ratio | 13.6425% | 3,680 |
| Total risk-based capital ratio | 14.4246% | 3,885 |
| Memoranda: | ||
| Average total assets | $335,052,400 | 1,976 |
| Average earning assets | $309,778,000 | 1,978 |
| Average equity | $34,419,400 | 2,112 |
| Average total loans | $228,736,800 | 1,915 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4377% | 4,939 |
| Cost of funding earning assets | 0.2773% | 4,320 |
| Net interest margin | 3.1605% | 4,603 |
| Noninterest income to average assets | 0.8561% | 1,560 |
| Noninterest expense to average assets | 2.0483% | 5,113 |
| Loan and lease loss provision to assets | 0.0504% | 3,238 |
| Net operating income to assets | 1.6866% | 609 |
| Return on assets (ROA) | 1.6930% | 639 |
| Pretax return on assets | 1.6930% | 1,131 |
| Return on Equity (ROE) | 16.4219% | 498 |
| Retained earnings to average equity (ytd only) | 6.2299% | 2,046 |
| Net charge-offs to loans | 0.0235% | 3,205 |
| Credit loss provision to net charge-offs | 315.0000% | 994 |
| Earnings coverage of net charge-offs (x) | 108.6540% | 622 |
| Efficiency ratio | 53.1306% | 5,301 |
| Assets per employee ($millions) | 4.4636% | 3,142 |
| Cash dividends to net income (ytd only)* | 62.0633% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7318% | 5,356 |
| Loan loss allowance to noncurrent loans | 1,189.1156% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 5,249 |
| Noncurrent loans to loans | 0.0615% | 5,110 |
| Net loans and leases to total assets | 70.8250% | 2,371 |
| Net loans and leases to deposits | 80.2578% | 2,930 |
| Net loans and leases to core deposits | 81.2794% | 3,334 |
| Total domestic deposits to total assets | 88.2468% | 1,267 |
| Equity capital to assets | 10.5341% | 3,526 |
| Core capital (leverage) ratio | 9.3927% | 4,337 |
| Tier 1 risk-based capital ratio | 13.9069% | 3,605 |
| Total risk-based capital ratio | 14.6925% | 3,805 |
| Memoranda: | ||
| Average total assets | $333,609,250 | 1,987 |
| Average earning assets | $309,188,500 | 1,982 |
| Average equity | $34,392,250 | 2,126 |
| Average total loans | $226,467,250 | 1,935 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4267% | 5,027 |
| Cost of funding earning assets | 0.2788% | 4,362 |
| Net interest margin | 3.1479% | 4,699 |
| Noninterest income to average assets | 0.8253% | 1,627 |
| Noninterest expense to average assets | 2.0347% | 5,199 |
| Loan and lease loss provision to assets | 0.0504% | 3,138 |
| Net operating income to assets | 1.6541% | 636 |
| Return on assets (ROA) | 1.6541% | 679 |
| Pretax return on assets | 1.6541% | 1,211 |
| Return on Equity (ROE) | 16.1636% | 516 |
| Retained earnings to average equity (ytd only) | 5.8825% | 2,196 |
| Net charge-offs to loans | 0.0135% | 3,272 |
| Credit loss provision to net charge-offs | 560.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 189.3333% | 348 |
| Efficiency ratio | 53.3868% | 5,361 |
| Assets per employee ($millions) | 4.4711% | 3,083 |
| Cash dividends to net income (ytd only)* | 63.6067% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 5,365 |
| Loan loss allowance to noncurrent loans | 7,526.0870% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 5,608 |
| Noncurrent loans to loans | 0.0101% | 5,458 |
| Net loans and leases to total assets | 67.0888% | 2,926 |
| Net loans and leases to deposits | 75.2293% | 3,458 |
| Net loans and leases to core deposits | 76.1749% | 3,806 |
| Total domestic deposits to total assets | 89.1791% | 829 |
| Equity capital to assets | 10.3661% | 3,772 |
| Core capital (leverage) ratio | 9.1975% | 4,600 |
| Tier 1 risk-based capital ratio | 14.3234% | 3,423 |
| Total risk-based capital ratio | 15.1410% | 3,585 |
| Memoranda: | ||
| Average total assets | $333,222,670 | 2,000 |
| Average earning assets | $308,463,670 | 1,995 |
| Average equity | $34,101,330 | 2,143 |
| Average total loans | $222,340,330 | 1,969 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3827% | 5,163 |
| Cost of funding earning assets | 0.2779% | 4,415 |
| Net interest margin | 3.1048% | 4,847 |
| Noninterest income to average assets | 0.8080% | 1,593 |
| Noninterest expense to average assets | 2.0375% | 5,250 |
| Loan and lease loss provision to assets | 0.0506% | 2,909 |
| Net operating income to assets | 1.5992% | 702 |
| Return on assets (ROA) | 1.5992% | 746 |
| Pretax return on assets | 1.5992% | 1,297 |
| Return on Equity (ROE) | 15.7292% | 568 |
| Retained earnings to average equity (ytd only) | 5.3536% | 2,740 |
| Net charge-offs to loans | 0.0127% | 2,699 |
| Credit loss provision to net charge-offs | 600.0000% | 524 |
| Earnings coverage of net charge-offs (x) | 195.7143% | 308 |
| Efficiency ratio | 54.2129% | 5,367 |
| Assets per employee ($millions) | 4.5357% | 3,006 |
| Cash dividends to net income (ytd only)* | 65.9639% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 5,440 |
| Loan loss allowance to noncurrent loans | 396.4953% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 5,059 |
| Noncurrent loans to loans | 0.1944% | 4,720 |
| Net loans and leases to total assets | 65.0874% | 3,094 |
| Net loans and leases to deposits | 72.8020% | 3,572 |
| Net loans and leases to core deposits | 74.3017% | 3,857 |
| Total domestic deposits to total assets | 89.4034% | 886 |
| Equity capital to assets | 10.1664% | 3,881 |
| Core capital (leverage) ratio | 9.0798% | 4,759 |
| Tier 1 risk-based capital ratio | 13.8291% | 3,792 |
| Total risk-based capital ratio | 14.6177% | 3,985 |
| Memoranda: | ||
| Average total assets | $332,167,500 | 2,011 |
| Average earning assets | $308,036,500 | 2,006 |
| Average equity | $33,771,500 | 2,157 |
| Average total loans | $220,159,500 | 1,984 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3449% | 5,266 |
| Cost of funding earning assets | 0.2805% | 4,480 |
| Net interest margin | 3.0644% | 4,997 |
| Noninterest income to average assets | 0.9070% | 1,424 |
| Noninterest expense to average assets | 2.0712% | 5,309 |
| Loan and lease loss provision to assets | 0.0613% | 3,077 |
| Net operating income to assets | 1.6130% | 685 |
| Return on assets (ROA) | 1.6139% | 709 |
| Pretax return on assets | 1.6139% | 1,213 |
| Return on Equity (ROE) | 15.7443% | 582 |
| Retained earnings to average equity (ytd only) | 1.5182% | 4,859 |
| Net charge-offs to loans | 0.0278% | 3,671 |
| Credit loss provision to net charge-offs | 355.3571% | 839 |
| Earnings coverage of net charge-offs (x) | 97.0179% | 589 |
| Efficiency ratio | 54.1797% | 5,512 |
| Assets per employee ($millions) | 4.2687% | 3,453 |
| Cash dividends to net income (ytd only)* | 90.3571% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 5,521 |
| Loan loss allowance to noncurrent loans | 126.0045% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4013% | 3,993 |
| Noncurrent loans to loans | 0.5991% | 3,376 |
| Net loans and leases to total assets | 66.4752% | 2,913 |
| Net loans and leases to deposits | 74.6690% | 3,412 |
| Net loans and leases to core deposits | 76.0734% | 3,747 |
| Total domestic deposits to total assets | 89.0265% | 1,106 |
| Equity capital to assets | 10.1676% | 3,785 |
| Core capital (leverage) ratio | 9.0815% | 4,777 |
| Tier 1 risk-based capital ratio | 14.3376% | 3,531 |
| Total risk-based capital ratio | 15.1471% | 3,702 |
| Memoranda: | ||
| Average total assets | $324,492,200 | 2,021 |
| Average earning assets | $300,579,000 | 2,015 |
| Average equity | $33,262,800 | 2,132 |
| Average total loans | $201,379,400 | 2,057 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3089% | 5,390 |
| Cost of funding earning assets | 0.2790% | 4,573 |
| Net interest margin | 3.0300% | 5,126 |
| Noninterest income to average assets | 0.8999% | 1,449 |
| Noninterest expense to average assets | 2.0504% | 5,381 |
| Loan and lease loss provision to assets | 0.0726% | 2,723 |
| Net operating income to assets | 1.5796% | 811 |
| Return on assets (ROA) | 1.5809% | 844 |
| Pretax return on assets | 1.5809% | 1,440 |
| Return on Equity (ROE) | 15.3903% | 677 |
| Retained earnings to average equity (ytd only) | 3.4352% | 4,025 |
| Net charge-offs to loans | 0.0346% | 3,223 |
| Credit loss provision to net charge-offs | 345.0980% | 854 |
| Earnings coverage of net charge-offs (x) | 78.5863% | 752 |
| Efficiency ratio | 54.2196% | 5,492 |
| Assets per employee ($millions) | 4.1837% | 3,551 |
| Cash dividends to net income (ytd only)* | 77.6792% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 5,561 |
| Loan loss allowance to noncurrent loans | 125.0190% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 4,143 |
| Noncurrent loans to loans | 0.6257% | 3,445 |
| Net loans and leases to total assets | 64.7240% | 3,198 |
| Net loans and leases to deposits | 72.7646% | 3,675 |
| Net loans and leases to core deposits | 73.9701% | 4,018 |
| Total domestic deposits to total assets | 88.9498% | 1,050 |
| Equity capital to assets | 10.5563% | 3,537 |
| Core capital (leverage) ratio | 9.2466% | 4,670 |
| Tier 1 risk-based capital ratio | 14.8455% | 3,372 |
| Total risk-based capital ratio | 15.6652% | 3,537 |
| Memoranda: | ||
| Average total assets | $323,442,500 | 2,042 |
| Average earning assets | $299,183,250 | 2,037 |
| Average equity | $33,223,500 | 2,150 |
| Average total loans | $196,684,250 | 2,116 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2456% | 5,545 |
| Cost of funding earning assets | 0.2767% | 4,648 |
| Net interest margin | 2.9689% | 5,291 |
| Noninterest income to average assets | 0.8843% | 1,493 |
| Noninterest expense to average assets | 2.0483% | 5,443 |
| Loan and lease loss provision to assets | 0.1019% | 2,136 |
| Net operating income to assets | 1.4771% | 938 |
| Return on assets (ROA) | 1.4771% | 987 |
| Pretax return on assets | 1.4771% | 1,708 |
| Return on Equity (ROE) | 14.5135% | 820 |
| Retained earnings to average equity (ytd only) | 1.7535% | 4,820 |
| Net charge-offs to loans | 0.0271% | 3,137 |
| Credit loss provision to net charge-offs | 634.6154% | 527 |
| Earnings coverage of net charge-offs (x) | 98.3462% | 608 |
| Efficiency ratio | 56.4692% | 5,383 |
| Assets per employee ($millions) | 4.1541% | 3,564 |
| Cash dividends to net income (ytd only)* | 87.9181% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8167% | 5,555 |
| Loan loss allowance to noncurrent loans | 129.6325% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4839% | 4,000 |
| Noncurrent loans to loans | 0.6300% | 3,584 |
| Net loans and leases to total assets | 62.1406% | 3,527 |
| Net loans and leases to deposits | 69.6203% | 3,970 |
| Net loans and leases to core deposits | 70.6889% | 4,259 |
| Total domestic deposits to total assets | 89.2564% | 1,021 |
| Equity capital to assets | 10.2797% | 3,708 |
| Core capital (leverage) ratio | 8.9694% | 5,012 |
| Tier 1 risk-based capital ratio | 15.9221% | 2,893 |
| Total risk-based capital ratio | 16.8167% | 3,010 |
| Memoranda: | ||
| Average total assets | $323,874,000 | 2,054 |
| Average earning assets | $299,236,000 | 2,050 |
| Average equity | $32,962,330 | 2,172 |
| Average total loans | $192,195,330 | 2,161 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1798% | 5,677 |
| Cost of funding earning assets | 0.2717% | 4,766 |
| Net interest margin | 2.9081% | 5,438 |
| Noninterest income to average assets | 0.8758% | 1,473 |
| Noninterest expense to average assets | 2.0284% | 5,525 |
| Loan and lease loss provision to assets | 0.1001% | 2,024 |
| Net operating income to assets | 1.4317% | 980 |
| Return on assets (ROA) | 1.4317% | 1,033 |
| Pretax return on assets | 1.4317% | 1,771 |
| Return on Equity (ROE) | 14.1387% | 851 |
| Retained earnings to average equity (ytd only) | -0.8295% | 5,523 |
| Net charge-offs to loans | 0.0300% | 2,585 |
| Credit loss provision to net charge-offs | 578.5714% | 487 |
| Earnings coverage of net charge-offs (x) | 88.5714% | 539 |
| Efficiency ratio | 56.9743% | 5,439 |
| Assets per employee ($millions) | 4.3016% | 3,365 |
| Cash dividends to net income (ytd only)* | 105.8671% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 5,558 |
| Loan loss allowance to noncurrent loans | 143.1408% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 4,326 |
| Noncurrent loans to loans | 0.5967% | 3,788 |
| Net loans and leases to total assets | 56.3120% | 4,163 |
| Net loans and leases to deposits | 62.8998% | 4,490 |
| Net loans and leases to core deposits | 63.7257% | 4,724 |
| Total domestic deposits to total assets | 89.5264% | 980 |
| Equity capital to assets | 10.0459% | 4,093 |
| Core capital (leverage) ratio | 9.0541% | 4,891 |
| Tier 1 risk-based capital ratio | 17.6911% | 2,239 |
| Total risk-based capital ratio | 18.6536% | 2,291 |
| Memoranda: | ||
| Average total assets | $323,802,500 | 2,058 |
| Average earning assets | $298,890,500 | 2,059 |
| Average equity | $32,789,500 | 2,193 |
| Average total loans | $186,791,000 | 2,217 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4675% | 5,401 |
| Cost of funding earning assets | 0.3345% | 4,443 |
| Net interest margin | 3.1330% | 5,121 |
| Noninterest income to average assets | 0.8646% | 1,628 |
| Noninterest expense to average assets | 2.0617% | 5,657 |
| Loan and lease loss provision to assets | 0.0452% | 3,672 |
| Net operating income to assets | 1.6615% | 624 |
| Return on assets (ROA) | 1.6615% | 653 |
| Pretax return on assets | 1.6615% | 1,069 |
| Return on Equity (ROE) | 14.5437% | 843 |
| Retained earnings to average equity (ytd only) | -0.2901% | 5,817 |
| Net charge-offs to loans | 0.1704% | 2,327 |
| Credit loss provision to net charge-offs | 42.2581% | 3,629 |
| Earnings coverage of net charge-offs (x) | 15.9452% | 2,050 |
| Efficiency ratio | 54.7095% | 5,787 |
| Assets per employee ($millions) | 4.2758% | 3,411 |
| Cash dividends to net income (ytd only)* | 101.9950% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 5,750 |
| Loan loss allowance to noncurrent loans | 115.9542% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6748% | 3,554 |
| Noncurrent loans to loans | 0.6972% | 3,598 |
| Net loans and leases to total assets | 58.1199% | 4,031 |
| Net loans and leases to deposits | 65.3075% | 4,396 |
| Net loans and leases to core deposits | 66.2844% | 4,650 |
| Total domestic deposits to total assets | 88.9943% | 1,240 |
| Equity capital to assets | 10.2084% | 3,844 |
| Core capital (leverage) ratio | 9.1080% | 4,815 |
| Tier 1 risk-based capital ratio | 15.9097% | 3,010 |
| Total risk-based capital ratio | 16.7368% | 3,168 |
| Memoranda: | ||
| Average total assets | $289,610,000 | 2,218 |
| Average earning assets | $268,432,400 | 2,207 |
| Average equity | $33,086,600 | 2,105 |
| Average total loans | $181,908,600 | 2,209 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4998% | 5,391 |
| Cost of funding earning assets | 0.3466% | 4,375 |
| Net interest margin | 3.1532% | 5,110 |
| Noninterest income to average assets | 0.8454% | 1,721 |
| Noninterest expense to average assets | 2.0110% | 5,755 |
| Loan and lease loss provision to assets | 0.0019% | 4,369 |
| Net operating income to assets | 1.7589% | 548 |
| Return on assets (ROA) | 1.7589% | 568 |
| Pretax return on assets | 1.7589% | 964 |
| Return on Equity (ROE) | 14.9431% | 840 |
| Retained earnings to average equity (ytd only) | 2.2628% | 4,928 |
| Net charge-offs to loans | 0.0281% | 3,930 |
| Credit loss provision to net charge-offs | 10.5263% | 3,698 |
| Earnings coverage of net charge-offs (x) | 97.9384% | 597 |
| Efficiency ratio | 53.3174% | 5,891 |
| Assets per employee ($millions) | 4.3835% | 3,156 |
| Cash dividends to net income (ytd only)* | 84.8574% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 5,640 |
| Loan loss allowance to noncurrent loans | 71.5391% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 0.7907% | 3,450 |
| Noncurrent loans to loans | 1.2394% | 2,568 |
| Net loans and leases to total assets | 57.3413% | 4,160 |
| Net loans and leases to deposits | 64.2956% | 4,506 |
| Net loans and leases to core deposits | 65.2467% | 4,778 |
| Total domestic deposits to total assets | 89.1839% | 1,136 |
| Equity capital to assets | 10.3395% | 3,746 |
| Core capital (leverage) ratio | 9.3358% | 4,590 |
| Tier 1 risk-based capital ratio | 16.0787% | 3,023 |
| Total risk-based capital ratio | 17.0199% | 3,115 |
| Memoranda: | ||
| Average total assets | $281,840,750 | 2,273 |
| Average earning assets | $261,569,250 | 2,278 |
| Average equity | $33,174,000 | 2,104 |
| Average total loans | $180,410,250 | 2,239 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 5,141 |
| Cost of funding earning assets | 0.3665% | 4,245 |
| Net interest margin | 3.2370% | 4,819 |
| Noninterest income to average assets | 0.7905% | 1,878 |
| Noninterest expense to average assets | 1.8434% | 6,085 |
| Loan and lease loss provision to assets | 0.0015% | 4,182 |
| Net operating income to assets | 1.9555% | 372 |
| Return on assets (ROA) | 1.9555% | 387 |
| Pretax return on assets | 1.9555% | 614 |
| Return on Equity (ROE) | 15.8355% | 672 |
| Retained earnings to average equity (ytd only) | 2.0452% | 4,867 |
| Net charge-offs to loans | 0.0213% | 3,781 |
| Credit loss provision to net charge-offs | 10.5263% | 3,297 |
| Earnings coverage of net charge-offs (x) | 137.8421% | 437 |
| Efficiency ratio | 48.5057% | 6,262 |
| Assets per employee ($millions) | 4.7185% | 2,584 |
| Cash dividends to net income (ytd only)* | 87.0844% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 5,585 |
| Loan loss allowance to noncurrent loans | 94.2265% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.7154% | 3,839 |
| Noncurrent loans to loans | 1.0026% | 3,230 |
| Net loans and leases to total assets | 65.5360% | 2,827 |
| Net loans and leases to deposits | 75.2567% | 3,158 |
| Net loans and leases to core deposits | 76.5194% | 3,568 |
| Total domestic deposits to total assets | 87.0832% | 2,413 |
| Equity capital to assets | 12.3769% | 1,722 |
| Core capital (leverage) ratio | 11.2905% | 2,163 |
| Tier 1 risk-based capital ratio | 18.1661% | 2,182 |
| Total risk-based capital ratio | 19.1742% | 2,238 |
| Memoranda: | ||
| Average total assets | $267,662,000 | 2,390 |
| Average earning assets | $248,871,670 | 2,367 |
| Average equity | $33,052,330 | 2,093 |
| Average total loans | $177,991,670 | 2,258 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5675% | 5,252 |
| Cost of funding earning assets | 0.3794% | 4,206 |
| Net interest margin | 3.1881% | 4,957 |
| Noninterest income to average assets | 0.7565% | 1,931 |
| Noninterest expense to average assets | 1.8471% | 6,150 |
| Loan and lease loss provision to assets | 0.0015% | 3,809 |
| Net operating income to assets | 1.8785% | 417 |
| Return on assets (ROA) | 1.8785% | 438 |
| Pretax return on assets | 1.8785% | 683 |
| Return on Equity (ROE) | 15.2302% | 748 |
| Retained earnings to average equity (ytd only) | -1.7975% | 5,837 |
| Net charge-offs to loans | 0.0112% | 3,398 |
| Credit loss provision to net charge-offs | 20.0000% | 2,498 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 195 |
| Efficiency ratio | 49.5579% | 6,281 |
| Assets per employee ($millions) | 5.1139% | 2,112 |
| Cash dividends to net income (ytd only)* | 111.8022% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 5,692 |
| Loan loss allowance to noncurrent loans | 103.6720% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6815% | 4,067 |
| Noncurrent loans to loans | 0.9193% | 3,583 |
| Net loans and leases to total assets | 64.9562% | 2,736 |
| Net loans and leases to deposits | 74.3558% | 3,022 |
| Net loans and leases to core deposits | 75.5884% | 3,452 |
| Total domestic deposits to total assets | 87.3586% | 2,593 |
| Equity capital to assets | 12.1297% | 1,780 |
| Core capital (leverage) ratio | 11.1075% | 2,294 |
| Tier 1 risk-based capital ratio | 18.3856% | 2,150 |
| Total risk-based capital ratio | 19.4306% | 2,188 |
| Memoranda: | ||
| Average total assets | $267,016,500 | 2,403 |
| Average earning assets | $248,801,500 | 2,361 |
| Average equity | $32,934,500 | 2,092 |
| Average total loans | $178,016,500 | 2,254 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8003% | 4,816 |
| Cost of funding earning assets | 0.4428% | 4,184 |
| Net interest margin | 3.3575% | 4,450 |
| Noninterest income to average assets | 0.8213% | 1,980 |
| Noninterest expense to average assets | 1.7703% | 6,372 |
| Loan and lease loss provision to assets | 0.0053% | 5,022 |
| Net operating income to assets | 2.1665% | 254 |
| Return on assets (ROA) | 2.1665% | 256 |
| Pretax return on assets | 2.1665% | 328 |
| Return on Equity (ROE) | 17.2642% | 481 |
| Retained earnings to average equity (ytd only) | -0.6337% | 5,996 |
| Net charge-offs to loans | 0.0292% | 4,841 |
| Credit loss provision to net charge-offs | 26.9231% | 4,312 |
| Earnings coverage of net charge-offs (x) | 110.8077% | 427 |
| Efficiency ratio | 44.9087% | 6,592 |
| Assets per employee ($millions) | 4.9622% | 2,225 |
| Cash dividends to net income (ytd only)* | 103.6708% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 5,749 |
| Loan loss allowance to noncurrent loans | 103.0340% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7502% | 4,006 |
| Noncurrent loans to loans | 0.9244% | 3,679 |
| Net loans and leases to total assets | 67.1439% | 2,493 |
| Net loans and leases to deposits | 77.7514% | 2,755 |
| Net loans and leases to core deposits | 78.9877% | 3,238 |
| Total domestic deposits to total assets | 86.3572% | 3,076 |
| Equity capital to assets | 12.5451% | 1,495 |
| Core capital (leverage) ratio | 11.4769% | 1,980 |
| Tier 1 risk-based capital ratio | 18.1495% | 2,199 |
| Total risk-based capital ratio | 19.1784% | 2,231 |
| Memoranda: | ||
| Average total assets | $265,317,600 | 2,389 |
| Average earning assets | $246,614,800 | 2,366 |
| Average equity | $33,294,400 | 2,071 |
| Average total loans | $178,324,400 | 2,215 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8151% | 4,798 |
| Cost of funding earning assets | 0.4554% | 4,215 |
| Net interest margin | 3.3597% | 4,432 |
| Noninterest income to average assets | 0.8274% | 2,019 |
| Noninterest expense to average assets | 1.7475% | 6,413 |
| Loan and lease loss provision to assets | 0.0060% | 4,851 |
| Net operating income to assets | 2.1963% | 263 |
| Return on assets (ROA) | 2.1963% | 271 |
| Pretax return on assets | 2.1963% | 388 |
| Return on Equity (ROE) | 17.5004% | 490 |
| Retained earnings to average equity (ytd only) | 2.7969% | 4,647 |
| Net charge-offs to loans | 0.0142% | 4,848 |
| Credit loss provision to net charge-offs | 63.1579% | 3,223 |
| Earnings coverage of net charge-offs (x) | 231.1824% | 254 |
| Efficiency ratio | 44.2427% | 6,647 |
| Assets per employee ($millions) | 4.8078% | 2,431 |
| Cash dividends to net income (ytd only)* | 84.0183% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 5,900 |
| Loan loss allowance to noncurrent loans | 631.0219% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 5,844 |
| Noncurrent loans to loans | 0.1515% | 5,864 |
| Net loans and leases to total assets | 67.7506% | 2,331 |
| Net loans and leases to deposits | 78.2170% | 2,625 |
| Net loans and leases to core deposits | 79.4495% | 3,183 |
| Total domestic deposits to total assets | 86.6188% | 2,904 |
| Equity capital to assets | 12.7765% | 1,438 |
| Core capital (leverage) ratio | 11.8168% | 1,801 |
| Tier 1 risk-based capital ratio | 18.3534% | 2,194 |
| Total risk-based capital ratio | 19.3816% | 2,237 |
| Memoranda: | ||
| Average total assets | $265,898,250 | 2,396 |
| Average earning assets | $247,117,000 | 2,368 |
| Average equity | $33,369,750 | 2,088 |
| Average total loans | $178,334,750 | 2,215 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 4,653 |
| Cost of funding earning assets | 0.4750% | 4,146 |
| Net interest margin | 3.3755% | 4,283 |
| Noninterest income to average assets | 0.8672% | 1,934 |
| Noninterest expense to average assets | 1.7441% | 6,455 |
| Loan and lease loss provision to assets | 0.0053% | 4,728 |
| Net operating income to assets | 2.2494% | 239 |
| Return on assets (ROA) | 2.2494% | 256 |
| Pretax return on assets | 2.2494% | 386 |
| Return on Equity (ROE) | 18.0312% | 453 |
| Retained earnings to average equity (ytd only) | 1.1555% | 5,441 |
| Net charge-offs to loans | 0.0158% | 4,521 |
| Credit loss provision to net charge-offs | 50.0000% | 3,203 |
| Earnings coverage of net charge-offs (x) | 214.5000% | 245 |
| Efficiency ratio | 43.6162% | 6,718 |
| Assets per employee ($millions) | 5.0136% | 2,101 |
| Cash dividends to net income (ytd only)* | 93.5915% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 5,818 |
| Loan loss allowance to noncurrent loans | 1,235.0000% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 4,765 |
| Noncurrent loans to loans | 0.0811% | 6,152 |
| Net loans and leases to total assets | 64.3198% | 2,868 |
| Net loans and leases to deposits | 73.9201% | 3,168 |
| Net loans and leases to core deposits | 75.0731% | 3,666 |
| Total domestic deposits to total assets | 87.0126% | 2,814 |
| Equity capital to assets | 12.4752% | 1,592 |
| Core capital (leverage) ratio | 11.5340% | 1,910 |
| Tier 1 risk-based capital ratio | 18.8140% | 2,043 |
| Total risk-based capital ratio | 19.8856% | 2,063 |
| Memoranda: | ||
| Average total assets | $266,387,670 | 2,401 |
| Average earning assets | $247,133,670 | 2,377 |
| Average equity | $33,231,330 | 2,098 |
| Average total loans | $177,485,670 | 2,226 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9462% | 4,305 |
| Cost of funding earning assets | 0.5154% | 3,924 |
| Net interest margin | 3.4308% | 4,005 |
| Noninterest income to average assets | 0.8518% | 1,923 |
| Noninterest expense to average assets | 1.7051% | 6,552 |
| Loan and lease loss provision to assets | 0.0045% | 4,372 |
| Net operating income to assets | 2.3170% | 196 |
| Return on assets (ROA) | 2.3170% | 216 |
| Pretax return on assets | 2.3170% | 346 |
| Return on Equity (ROE) | 18.5739% | 396 |
| Retained earnings to average equity (ytd only) | -4.6044% | 6,336 |
| Net charge-offs to loans | 0.0089% | 3,975 |
| Credit loss provision to net charge-offs | 75.0000% | 2,223 |
| Earnings coverage of net charge-offs (x) | 387.0000% | 92 |
| Efficiency ratio | 42.3464% | 6,826 |
| Assets per employee ($millions) | 5.0145% | 2,195 |
| Cash dividends to net income (ytd only)* | 124.7896% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 6,067 |
| Loan loss allowance to noncurrent loans | 568.8525% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 4,703 |
| Noncurrent loans to loans | 0.1714% | 5,971 |
| Net loans and leases to total assets | 66.3123% | 2,314 |
| Net loans and leases to deposits | 76.1359% | 2,614 |
| Net loans and leases to core deposits | 77.2197% | 3,173 |
| Total domestic deposits to total assets | 87.0974% | 2,904 |
| Equity capital to assets | 12.4338% | 1,750 |
| Core capital (leverage) ratio | 11.3777% | 1,960 |
| Tier 1 risk-based capital ratio | 18.0013% | 2,360 |
| Total risk-based capital ratio | 19.0500% | 2,408 |
| Memoranda: | ||
| Average total assets | $266,722,000 | 2,425 |
| Average earning assets | $246,822,000 | 2,404 |
| Average equity | $33,272,500 | 2,115 |
| Average total loans | $179,909,000 | 2,216 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3255% | 4,104 |
| Cost of funding earning assets | 0.7666% | 2,951 |
| Net interest margin | 3.5589% | 4,269 |
| Noninterest income to average assets | 0.9511% | 1,699 |
| Noninterest expense to average assets | 1.7224% | 6,705 |
| Loan and lease loss provision to assets | 0.0149% | 5,721 |
| Net operating income to assets | 2.4323% | 170 |
| Return on assets (ROA) | 2.4323% | 185 |
| Pretax return on assets | 2.4323% | 278 |
| Return on Equity (ROE) | 20.0444% | 303 |
| Retained earnings to average equity (ytd only) | 1.6848% | 5,015 |
| Net charge-offs to loans | 0.0649% | 5,041 |
| Credit loss provision to net charge-offs | 33.6066% | 5,048 |
| Earnings coverage of net charge-offs (x) | 55.2377% | 634 |
| Efficiency ratio | 41.3081% | 6,904 |
| Assets per employee ($millions) | 5.0505% | 2,167 |
| Cash dividends to net income (ytd only)* | 91.5945% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 6,114 |
| Loan loss allowance to noncurrent loans | 459.2593% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.7225% | 4,672 |
| Noncurrent loans to loans | 0.2079% | 5,954 |
| Net loans and leases to total assets | 67.2866% | 2,322 |
| Net loans and leases to deposits | 77.8379% | 2,558 |
| Net loans and leases to core deposits | 79.0566% | 3,144 |
| Total domestic deposits to total assets | 86.4444% | 3,128 |
| Equity capital to assets | 12.5151% | 1,706 |
| Core capital (leverage) ratio | 11.3515% | 1,979 |
| Tier 1 risk-based capital ratio | 18.2839% | 2,175 |
| Total risk-based capital ratio | 19.3361% | 2,206 |
| Memoranda: | ||
| Average total assets | $275,372,400 | 2,302 |
| Average earning assets | $249,036,000 | 2,339 |
| Average equity | $33,415,800 | 2,066 |
| Average total loans | $187,837,200 | 2,115 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4039% | 4,030 |
| Cost of funding earning assets | 0.8249% | 2,738 |
| Net interest margin | 3.5789% | 4,324 |
| Noninterest income to average assets | 0.9626% | 1,629 |
| Noninterest expense to average assets | 1.6588% | 6,819 |
| Loan and lease loss provision to assets | 0.0178% | 5,580 |
| Net operating income to assets | 2.5027% | 168 |
| Return on assets (ROA) | 2.5027% | 180 |
| Pretax return on assets | 2.5027% | 284 |
| Return on Equity (ROE) | 20.7812% | 290 |
| Retained earnings to average equity (ytd only) | 6.0846% | 2,644 |
| Net charge-offs to loans | 0.0838% | 4,550 |
| Credit loss provision to net charge-offs | 31.0924% | 4,786 |
| Earnings coverage of net charge-offs (x) | 44.0512% | 819 |
| Efficiency ratio | 39.6917% | 7,018 |
| Assets per employee ($millions) | 5.0716% | 2,089 |
| Cash dividends to net income (ytd only)* | 70.7205% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 6,239 |
| Loan loss allowance to noncurrent loans | 566.9935% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.6547% | 5,037 |
| Noncurrent loans to loans | 0.1680% | 6,189 |
| Net loans and leases to total assets | 65.8885% | 2,673 |
| Net loans and leases to deposits | 75.8115% | 3,009 |
| Net loans and leases to core deposits | 76.9636% | 3,608 |
| Total domestic deposits to total assets | 86.9110% | 2,728 |
| Equity capital to assets | 12.5971% | 1,826 |
| Core capital (leverage) ratio | 11.5182% | 1,973 |
| Tier 1 risk-based capital ratio | 18.3688% | 2,209 |
| Total risk-based capital ratio | 19.3927% | 2,262 |
| Memoranda: | ||
| Average total assets | $277,296,500 | 2,318 |
| Average earning assets | $249,229,750 | 2,354 |
| Average equity | $33,394,750 | 2,078 |
| Average total loans | $189,335,000 | 2,122 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4537% | 3,965 |
| Cost of funding earning assets | 0.8791% | 2,572 |
| Net interest margin | 3.5746% | 4,365 |
| Noninterest income to average assets | 0.9309% | 1,672 |
| Noninterest expense to average assets | 1.6556% | 6,876 |
| Loan and lease loss provision to assets | 0.0237% | 5,369 |
| Net operating income to assets | 2.4616% | 188 |
| Return on assets (ROA) | 2.4616% | 215 |
| Pretax return on assets | 2.4616% | 314 |
| Return on Equity (ROE) | 20.7529% | 307 |
| Retained earnings to average equity (ytd only) | 3.7727% | 4,102 |
| Net charge-offs to loans | 0.1189% | 3,985 |
| Credit loss provision to net charge-offs | 28.9474% | 4,457 |
| Earnings coverage of net charge-offs (x) | 30.3509% | 1,060 |
| Efficiency ratio | 39.9827% | 7,065 |
| Assets per employee ($millions) | 4.9731% | 2,207 |
| Cash dividends to net income (ytd only)* | 81.8208% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 6,394 |
| Loan loss allowance to noncurrent loans | 781.9820% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.6321% | 5,193 |
| Noncurrent loans to loans | 0.1185% | 6,366 |
| Net loans and leases to total assets | 67.8542% | 2,307 |
| Net loans and leases to deposits | 77.7325% | 2,716 |
| Net loans and leases to core deposits | 81.6681% | 2,997 |
| Total domestic deposits to total assets | 87.2919% | 2,601 |
| Equity capital to assets | 12.2485% | 1,967 |
| Core capital (leverage) ratio | 11.1817% | 2,138 |
| Tier 1 risk-based capital ratio | 17.4906% | 2,475 |
| Total risk-based capital ratio | 18.4952% | 2,530 |
| Memoranda: | ||
| Average total assets | $278,440,670 | 2,307 |
| Average earning assets | $250,040,670 | 2,354 |
| Average equity | $33,026,670 | 2,084 |
| Average total loans | $191,720,000 | 2,106 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 3,795 |
| Cost of funding earning assets | 0.9170% | 2,553 |
| Net interest margin | 3.6135% | 4,209 |
| Noninterest income to average assets | 0.9099% | 1,705 |
| Noninterest expense to average assets | 1.6034% | 6,971 |
| Loan and lease loss provision to assets | 0.0057% | 5,204 |
| Net operating income to assets | 2.5219% | 176 |
| Return on assets (ROA) | 2.5219% | 212 |
| Pretax return on assets | 2.5219% | 324 |
| Return on Equity (ROE) | 21.6048% | 289 |
| Retained earnings to average equity (ytd only) | -1.9153% | 6,273 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8142% | 7,128 |
| Assets per employee ($millions) | 5.1452% | 2,063 |
| Cash dividends to net income (ytd only)* | 108.8650% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 6,441 |
| Loan loss allowance to noncurrent loans | 87.9285% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.9407% | 4,624 |
| Noncurrent loans to loans | 1.0699% | 4,563 |
| Net loans and leases to total assets | 67.7619% | 2,156 |
| Net loans and leases to deposits | 78.5724% | 2,402 |
| Net loans and leases to core deposits | 82.6364% | 2,742 |
| Total domestic deposits to total assets | 86.2413% | 3,391 |
| Equity capital to assets | 11.5610% | 2,387 |
| Core capital (leverage) ratio | 10.6871% | 2,560 |
| Tier 1 risk-based capital ratio | 16.8109% | 2,754 |
| Total risk-based capital ratio | 17.8506% | 2,822 |
| Memoranda: | ||
| Average total assets | $280,901,500 | 2,308 |
| Average earning assets | $250,394,000 | 2,361 |
| Average equity | $32,789,000 | 2,100 |
| Average total loans | $193,915,000 | 2,092 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 4,159 |
| Cost of funding earning assets | 1.0696% | 2,885 |
| Net interest margin | 3.6522% | 4,509 |
| Noninterest income to average assets | 0.7209% | 2,491 |
| Noninterest expense to average assets | 1.6879% | 7,064 |
| Loan and lease loss provision to assets | 0.1495% | 4,748 |
| Net operating income to assets | 2.2012% | 226 |
| Return on assets (ROA) | 2.2012% | 237 |
| Pretax return on assets | 2.2012% | 370 |
| Return on Equity (ROE) | 18.7813% | 329 |
| Retained earnings to average equity (ytd only) | 0.6452% | 5,543 |
| Net charge-offs to loans | 0.1297% | 5,105 |
| Credit loss provision to net charge-offs | 161.1538% | 1,713 |
| Earnings coverage of net charge-offs (x) | 25.3462% | 976 |
| Efficiency ratio | 41.7947% | 7,172 |
| Assets per employee ($millions) | 5.1633% | 1,988 |
| Cash dividends to net income (ytd only)* | 96.5646% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 6,442 |
| Loan loss allowance to noncurrent loans | 149.7939% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 5,238 |
| Noncurrent loans to loans | 0.6244% | 5,466 |
| Net loans and leases to total assets | 69.0185% | 2,209 |
| Net loans and leases to deposits | 80.7906% | 2,391 |
| Net loans and leases to core deposits | 85.5960% | 2,687 |
| Total domestic deposits to total assets | 85.4288% | 3,630 |
| Equity capital to assets | 11.7862% | 2,278 |
| Core capital (leverage) ratio | 10.8491% | 2,397 |
| Tier 1 risk-based capital ratio | 16.8751% | 2,658 |
| Total risk-based capital ratio | 17.9110% | 2,710 |
| Memoranda: | ||
| Average total assets | $280,348,000 | 2,266 |
| Average earning assets | $254,671,000 | 2,271 |
| Average equity | $32,857,200 | 2,031 |
| Average total loans | $200,385,800 | 2,041 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 4,401 |
| Cost of funding earning assets | 1.0859% | 3,072 |
| Net interest margin | 3.6259% | 4,674 |
| Noninterest income to average assets | 0.7077% | 2,558 |
| Noninterest expense to average assets | 1.6917% | 7,103 |
| Loan and lease loss provision to assets | 0.0784% | 5,462 |
| Net operating income to assets | 2.2759% | 219 |
| Return on assets (ROA) | 2.2759% | 238 |
| Pretax return on assets | 2.2759% | 373 |
| Return on Equity (ROE) | 19.4460% | 346 |
| Retained earnings to average equity (ytd only) | 4.5085% | 3,515 |
| Net charge-offs to loans | 0.0508% | 5,472 |
| Credit loss provision to net charge-offs | 214.2857% | 1,345 |
| Earnings coverage of net charge-offs (x) | 64.3792% | 513 |
| Efficiency ratio | 41.8124% | 7,215 |
| Assets per employee ($millions) | 4.9813% | 2,209 |
| Cash dividends to net income (ytd only)* | 76.8156% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 6,633 |
| Loan loss allowance to noncurrent loans | 71.2653% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.0567% | 4,657 |
| Noncurrent loans to loans | 1.2486% | 4,453 |
| Net loans and leases to total assets | 70.9808% | 1,906 |
| Net loans and leases to deposits | 83.1453% | 2,153 |
| Net loans and leases to core deposits | 88.2865% | 2,451 |
| Total domestic deposits to total assets | 85.3696% | 3,571 |
| Equity capital to assets | 12.3422% | 2,002 |
| Core capital (leverage) ratio | 11.1118% | 2,306 |
| Tier 1 risk-based capital ratio | 17.2105% | 2,559 |
| Total risk-based capital ratio | 18.1958% | 2,633 |
| Memoranda: | ||
| Average total assets | $280,730,500 | 2,274 |
| Average earning assets | $258,465,750 | 2,258 |
| Average equity | $32,856,000 | 2,021 |
| Average total loans | $201,919,000 | 2,046 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 4,546 |
| Cost of funding earning assets | 1.1135% | 3,138 |
| Net interest margin | 3.5842% | 4,776 |
| Noninterest income to average assets | 0.6516% | 2,825 |
| Noninterest expense to average assets | 1.6877% | 7,187 |
| Loan and lease loss provision to assets | 0.0424% | 5,781 |
| Net operating income to assets | 2.2291% | 252 |
| Return on assets (ROA) | 2.2291% | 266 |
| Pretax return on assets | 2.2291% | 390 |
| Return on Equity (ROE) | 19.3874% | 355 |
| Retained earnings to average equity (ytd only) | 2.1514% | 4,914 |
| Net charge-offs to loans | 0.0137% | 5,654 |
| Credit loss provision to net charge-offs | 428.5714% | 705 |
| Earnings coverage of net charge-offs (x) | 229.5714% | 158 |
| Efficiency ratio | 42.6276% | 7,285 |
| Assets per employee ($millions) | 4.8497% | 2,340 |
| Cash dividends to net income (ytd only)* | 88.9030% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 6,767 |
| Loan loss allowance to noncurrent loans | 92.4579% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7412% | 5,429 |
| Noncurrent loans to loans | 0.9212% | 5,130 |
| Net loans and leases to total assets | 70.5173% | 2,110 |
| Net loans and leases to deposits | 82.7685% | 2,323 |
| Net loans and leases to core deposits | 84.7529% | 3,105 |
| Total domestic deposits to total assets | 85.1982% | 3,784 |
| Equity capital to assets | 11.7248% | 2,311 |
| Core capital (leverage) ratio | 10.6949% | 2,523 |
| Tier 1 risk-based capital ratio | 16.4776% | 2,752 |
| Total risk-based capital ratio | 17.4218% | 2,863 |
| Memoranda: | ||
| Average total assets | $282,984,000 | 2,261 |
| Average earning assets | $261,148,330 | 2,245 |
| Average equity | $32,536,670 | 2,028 |
| Average total loans | $203,821,330 | 2,047 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6561% | 4,717 |
| Cost of funding earning assets | 1.1458% | 3,186 |
| Net interest margin | 3.5103% | 4,959 |
| Noninterest income to average assets | 0.6285% | 2,970 |
| Noninterest expense to average assets | 1.7531% | 7,185 |
| Loan and lease loss provision to assets | 0.0775% | 5,032 |
| Net operating income to assets | 2.0575% | 322 |
| Return on assets (ROA) | 2.0575% | 337 |
| Pretax return on assets | 2.0575% | 504 |
| Return on Equity (ROE) | 18.0721% | 477 |
| Retained earnings to average equity (ytd only) | -5.7930% | 6,578 |
| Net charge-offs to loans | -0.0078% | 6,301 |
| Credit loss provision to net charge-offs | -1,375.0000% | 6,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0888% | 7,242 |
| Assets per employee ($millions) | 4.9928% | 2,177 |
| Cash dividends to net income (ytd only)* | 132.0548% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 6,846 |
| Loan loss allowance to noncurrent loans | 337.3281% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 6,533 |
| Noncurrent loans to loans | 0.2482% | 6,490 |
| Net loans and leases to total assets | 71.4534% | 1,824 |
| Net loans and leases to deposits | 83.2600% | 2,145 |
| Net loans and leases to core deposits | 84.7553% | 3,064 |
| Total domestic deposits to total assets | 85.8196% | 3,628 |
| Equity capital to assets | 11.2913% | 2,422 |
| Core capital (leverage) ratio | 10.3905% | 2,712 |
| Tier 1 risk-based capital ratio | 15.7181% | 3,044 |
| Total risk-based capital ratio | 16.6513% | 3,168 |
| Memoranda: | ||
| Average total assets | $283,834,000 | 2,276 |
| Average earning assets | $263,570,500 | 2,245 |
| Average equity | $32,315,000 | 2,025 |
| Average total loans | $205,703,000 | 2,045 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 4,443 |
| Cost of funding earning assets | 1.3233% | 3,733 |
| Net interest margin | 3.6983% | 4,348 |
| Noninterest income to average assets | 0.8022% | 2,273 |
| Noninterest expense to average assets | 1.6626% | 7,368 |
| Loan and lease loss provision to assets | 0.1536% | 5,670 |
| Net operating income to assets | 2.4328% | 123 |
| Return on assets (ROA) | 2.4328% | 130 |
| Pretax return on assets | 2.4328% | 202 |
| Return on Equity (ROE) | 21.0165% | 202 |
| Retained earnings to average equity (ytd only) | 3.6247% | 3,327 |
| Net charge-offs to loans | 0.0852% | 5,984 |
| Credit loss provision to net charge-offs | 245.9770% | 1,170 |
| Earnings coverage of net charge-offs (x) | 41.4138% | 562 |
| Efficiency ratio | 39.1282% | 7,516 |
| Assets per employee ($millions) | 5.0549% | 2,076 |
| Cash dividends to net income (ytd only)* | 82.7530% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8035% | 6,959 |
| Loan loss allowance to noncurrent loans | 184.8384% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 6,016 |
| Noncurrent loans to loans | 0.4347% | 6,174 |
| Net loans and leases to total assets | 72.3058% | 2,030 |
| Net loans and leases to deposits | 84.8668% | 2,308 |
| Net loans and leases to core deposits | 85.8151% | 3,343 |
| Total domestic deposits to total assets | 85.1991% | 3,754 |
| Equity capital to assets | 11.4796% | 2,274 |
| Core capital (leverage) ratio | 10.8299% | 2,288 |
| Tier 1 risk-based capital ratio | 15.8375% | 2,821 |
| Total risk-based capital ratio | 16.7310% | 2,966 |
| Memoranda: | ||
| Average total assets | $278,605,400 | 2,294 |
| Average earning assets | $259,661,600 | 2,262 |
| Average equity | $32,250,800 | 2,040 |
| Average total loans | $204,188,200 | 2,120 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0592% | 4,545 |
| Cost of funding earning assets | 1.3474% | 3,916 |
| Net interest margin | 3.7119% | 4,346 |
| Noninterest income to average assets | 0.7755% | 2,353 |
| Noninterest expense to average assets | 1.6337% | 7,483 |
| Loan and lease loss provision to assets | 0.1307% | 5,721 |
| Net operating income to assets | 2.4726% | 138 |
| Return on assets (ROA) | 2.4726% | 145 |
| Pretax return on assets | 2.4726% | 238 |
| Return on Equity (ROE) | 21.3149% | 235 |
| Retained earnings to average equity (ytd only) | 7.5219% | 1,591 |
| Net charge-offs to loans | 0.0753% | 5,766 |
| Credit loss provision to net charge-offs | 236.5217% | 1,426 |
| Earnings coverage of net charge-offs (x) | 47.1129% | 594 |
| Efficiency ratio | 38.5575% | 7,607 |
| Assets per employee ($millions) | 4.7900% | 2,464 |
| Cash dividends to net income (ytd only)* | 64.7105% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7486% | 7,112 |
| Loan loss allowance to noncurrent loans | 146.0243% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 6,357 |
| Noncurrent loans to loans | 0.5127% | 6,173 |
| Net loans and leases to total assets | 75.8014% | 1,447 |
| Net loans and leases to deposits | 89.3308% | 1,814 |
| Net loans and leases to core deposits | 90.3692% | 3,046 |
| Total domestic deposits to total assets | 84.8547% | 3,691 |
| Equity capital to assets | 12.2101% | 2,029 |
| Core capital (leverage) ratio | 11.0867% | 2,199 |
| Tier 1 risk-based capital ratio | 16.3040% | 2,635 |
| Total risk-based capital ratio | 17.1513% | 2,753 |
| Memoranda: | ||
| Average total assets | $277,487,500 | 2,336 |
| Average earning assets | $258,767,250 | 2,299 |
| Average equity | $32,189,500 | 2,058 |
| Average total loans | $203,650,500 | 2,159 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0446% | 4,727 |
| Cost of funding earning assets | 1.3694% | 4,064 |
| Net interest margin | 3.6752% | 4,473 |
| Noninterest income to average assets | 0.7327% | 2,501 |
| Noninterest expense to average assets | 1.6159% | 7,557 |
| Loan and lease loss provision to assets | 0.0824% | 6,105 |
| Net operating income to assets | 2.4554% | 145 |
| Return on assets (ROA) | 2.4554% | 150 |
| Pretax return on assets | 2.4554% | 249 |
| Return on Equity (ROE) | 21.5361% | 232 |
| Retained earnings to average equity (ytd only) | 6.1056% | 2,276 |
| Net charge-offs to loans | 0.0040% | 6,323 |
| Credit loss provision to net charge-offs | 2,875.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 885.0000% | 29 |
| Efficiency ratio | 38.9023% | 7,659 |
| Assets per employee ($millions) | 4.6658% | 2,624 |
| Cash dividends to net income (ytd only)* | 71.6496% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7437% | 7,165 |
| Loan loss allowance to noncurrent loans | 107.4468% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 6,080 |
| Noncurrent loans to loans | 0.6922% | 5,860 |
| Net loans and leases to total assets | 74.7167% | 1,760 |
| Net loans and leases to deposits | 87.7648% | 2,213 |
| Net loans and leases to core deposits | 88.6918% | 3,453 |
| Total domestic deposits to total assets | 85.1329% | 3,557 |
| Equity capital to assets | 11.9442% | 2,129 |
| Core capital (leverage) ratio | 10.8355% | 2,373 |
| Tier 1 risk-based capital ratio | 15.9724% | 2,685 |
| Total risk-based capital ratio | 16.8014% | 2,839 |
| Memoranda: | ||
| Average total assets | $278,974,000 | 2,337 |
| Average earning assets | $259,684,000 | 2,307 |
| Average equity | $31,807,000 | 2,074 |
| Average total loans | $202,027,330 | 2,193 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9458% | 5,252 |
| Cost of funding earning assets | 1.4031% | 4,149 |
| Net interest margin | 3.5427% | 4,982 |
| Noninterest income to average assets | 0.6300% | 3,083 |
| Noninterest expense to average assets | 1.5751% | 7,673 |
| Loan and lease loss provision to assets | 0.0537% | 6,126 |
| Net operating income to assets | 2.3041% | 207 |
| Return on assets (ROA) | 2.3041% | 231 |
| Pretax return on assets | 2.3041% | 344 |
| Return on Equity (ROE) | 20.6789% | 342 |
| Retained earnings to average equity (ytd only) | 0.6846% | 5,549 |
| Net charge-offs to loans | -0.0020% | 6,764 |
| Credit loss provision to net charge-offs | -3,800.0000% | 6,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0503% | 7,734 |
| Assets per employee ($millions) | 5.0556% | 2,162 |
| Cash dividends to net income (ytd only)* | 96.6891% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7132% | 7,310 |
| Loan loss allowance to noncurrent loans | 102.3404% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 5,998 |
| Noncurrent loans to loans | 0.6969% | 5,938 |
| Net loans and leases to total assets | 73.5829% | 2,062 |
| Net loans and leases to deposits | 85.8723% | 2,610 |
| Net loans and leases to core deposits | 87.3400% | 3,703 |
| Total domestic deposits to total assets | 85.6887% | 3,322 |
| Equity capital to assets | 11.5626% | 2,318 |
| Core capital (leverage) ratio | 10.1648% | 2,964 |
| Tier 1 risk-based capital ratio | 15.5882% | 2,837 |
| Total risk-based capital ratio | 16.3837% | 3,004 |
| Memoranda: | ||
| Average total assets | $283,152,500 | 2,366 |
| Average earning assets | $263,982,000 | 2,323 |
| Average equity | $31,549,000 | 2,108 |
| Average total loans | $201,185,500 | 2,270 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1222% | 5,993 |
| Cost of funding earning assets | 1.7859% | 4,072 |
| Net interest margin | 3.3363% | 5,602 |
| Noninterest income to average assets | 0.8215% | 2,301 |
| Noninterest expense to average assets | 1.6581% | 7,735 |
| Loan and lease loss provision to assets | 0.0600% | 6,961 |
| Net operating income to assets | 2.1962% | 146 |
| Return on assets (ROA) | 2.1962% | 159 |
| Pretax return on assets | 2.1962% | 276 |
| Return on Equity (ROE) | 19.4266% | 274 |
| Retained earnings to average equity (ytd only) | 1.4993% | 4,020 |
| Net charge-offs to loans | 0.0436% | 6,670 |
| Credit loss provision to net charge-offs | 193.0233% | 2,062 |
| Earnings coverage of net charge-offs (x) | 72.5930% | 378 |
| Efficiency ratio | 42.3599% | 7,813 |
| Assets per employee ($millions) | 5.1457% | 2,025 |
| Cash dividends to net income (ytd only)* | 92.2824% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7018% | 7,375 |
| Loan loss allowance to noncurrent loans | 194.4598% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 6,440 |
| Noncurrent loans to loans | 0.3609% | 6,554 |
| Net loans and leases to total assets | 67.7256% | 3,763 |
| Net loans and leases to deposits | 78.6455% | 4,246 |
| Net loans and leases to core deposits | 86.4860% | 5,475 |
| Total domestic deposits to total assets | 86.1151% | 2,956 |
| Equity capital to assets | 10.7506% | 2,924 |
| Core capital (leverage) ratio | 10.2355% | 2,842 |
| Tier 1 risk-based capital ratio | 15.3736% | 2,772 |
| Total risk-based capital ratio | 16.1385% | 2,950 |
| Memoranda: | ||
| Average total assets | $276,705,000 | 2,368 |
| Average earning assets | $256,511,400 | 2,355 |
| Average equity | $31,281,800 | 2,143 |
| Average total loans | $197,154,000 | 2,319 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 5,906 |
| Cost of funding earning assets | 1.8799% | 3,988 |
| Net interest margin | 3.3125% | 5,597 |
| Noninterest income to average assets | 0.8409% | 2,241 |
| Noninterest expense to average assets | 1.6686% | 7,785 |
| Loan and lease loss provision to assets | 0.0621% | 6,742 |
| Net operating income to assets | 2.1754% | 191 |
| Return on assets (ROA) | 2.1754% | 215 |
| Pretax return on assets | 2.1754% | 375 |
| Return on Equity (ROE) | 18.9921% | 363 |
| Retained earnings to average equity (ytd only) | 4.7705% | 2,622 |
| Net charge-offs to loans | 0.0502% | 6,215 |
| Credit loss provision to net charge-offs | 171.6216% | 2,710 |
| Earnings coverage of net charge-offs (x) | 61.8134% | 530 |
| Efficiency ratio | 42.7176% | 7,870 |
| Assets per employee ($millions) | 4.8052% | 2,394 |
| Cash dividends to net income (ytd only)* | 74.8819% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 7,350 |
| Loan loss allowance to noncurrent loans | 463.6364% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 7,267 |
| Noncurrent loans to loans | 0.1525% | 7,101 |
| Net loans and leases to total assets | 70.6222% | 3,357 |
| Net loans and leases to deposits | 82.6124% | 3,906 |
| Net loans and leases to core deposits | 91.9791% | 5,236 |
| Total domestic deposits to total assets | 85.4861% | 2,975 |
| Equity capital to assets | 11.7690% | 2,386 |
| Core capital (leverage) ratio | 10.4666% | 2,820 |
| Tier 1 risk-based capital ratio | 16.6617% | 2,370 |
| Total risk-based capital ratio | 17.4564% | 2,490 |
| Memoranda: | ||
| Average total assets | $272,555,250 | 2,406 |
| Average earning assets | $252,211,000 | 2,403 |
| Average equity | $31,219,250 | 2,170 |
| Average total loans | $196,431,000 | 2,352 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2278% | 5,966 |
| Cost of funding earning assets | 1.9712% | 3,908 |
| Net interest margin | 3.2566% | 5,711 |
| Noninterest income to average assets | 0.8894% | 2,026 |
| Noninterest expense to average assets | 1.6721% | 7,861 |
| Loan and lease loss provision to assets | 0.0235% | 7,001 |
| Net operating income to assets | 2.1955% | 195 |
| Return on assets (ROA) | 2.1955% | 214 |
| Pretax return on assets | 2.1955% | 361 |
| Return on Equity (ROE) | 19.3454% | 381 |
| Retained earnings to average equity (ytd only) | 3.4520% | 3,397 |
| Net charge-offs to loans | 0.0081% | 6,467 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 377.3750% | 99 |
| Efficiency ratio | 42.9732% | 7,957 |
| Assets per employee ($millions) | 5.0591% | 2,014 |
| Cash dividends to net income (ytd only)* | 82.1560% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6943% | 7,438 |
| Loan loss allowance to noncurrent loans | 368.3060% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 6,901 |
| Noncurrent loans to loans | 0.1885% | 7,046 |
| Net loans and leases to total assets | 68.0562% | 4,142 |
| Net loans and leases to deposits | 78.8287% | 4,726 |
| Net loans and leases to core deposits | 87.7992% | 5,742 |
| Total domestic deposits to total assets | 86.3343% | 2,608 |
| Equity capital to assets | 11.0244% | 2,902 |
| Core capital (leverage) ratio | 10.4695% | 2,839 |
| Tier 1 risk-based capital ratio | 16.3037% | 2,518 |
| Total risk-based capital ratio | 17.0807% | 2,622 |
| Memoranda: | ||
| Average total assets | $272,108,000 | 2,430 |
| Average earning assets | $250,814,670 | 2,435 |
| Average equity | $30,880,670 | 2,195 |
| Average total loans | $196,971,670 | 2,379 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4300% | 5,267 |
| Cost of funding earning assets | 2.1373% | 3,481 |
| Net interest margin | 3.2927% | 5,519 |
| Noninterest income to average assets | 0.9215% | 1,768 |
| Noninterest expense to average assets | 1.5939% | 7,912 |
| Loan and lease loss provision to assets | 0.0120% | 6,690 |
| Net operating income to assets | 2.3354% | 178 |
| Return on assets (ROA) | 2.3354% | 209 |
| Pretax return on assets | 2.3354% | 341 |
| Return on Equity (ROE) | 20.2706% | 405 |
| Retained earnings to average equity (ytd only) | -0.2736% | 5,710 |
| Net charge-offs to loans | 0.0101% | 5,500 |
| Credit loss provision to net charge-offs | 160.0000% | 2,648 |
| Earnings coverage of net charge-offs (x) | 312.8000% | 129 |
| Efficiency ratio | 40.4417% | 8,039 |
| Assets per employee ($millions) | 4.8270% | 2,267 |
| Cash dividends to net income (ytd only)* | 101.3496% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6760% | 7,513 |
| Loan loss allowance to noncurrent loans | 1,184.8214% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 7,081 |
| Noncurrent loans to loans | 0.0571% | 7,372 |
| Net loans and leases to total assets | 73.4361% | 2,907 |
| Net loans and leases to deposits | 85.5467% | 3,710 |
| Net loans and leases to core deposits | 96.3894% | 4,919 |
| Total domestic deposits to total assets | 85.8432% | 2,798 |
| Equity capital to assets | 11.5966% | 2,529 |
| Core capital (leverage) ratio | 10.3198% | 3,091 |
| Tier 1 risk-based capital ratio | 16.2643% | 2,589 |
| Total risk-based capital ratio | 17.0426% | 2,694 |
| Memoranda: | ||
| Average total assets | $266,508,500 | 2,490 |
| Average earning assets | $244,418,500 | 2,500 |
| Average equity | $30,704,500 | 2,209 |
| Average total loans | $198,379,500 | 2,387 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1728% | 4,650 |
| Cost of funding earning assets | 2.6354% | 3,506 |
| Net interest margin | 3.5374% | 5,159 |
| Noninterest income to average assets | 0.8040% | 2,495 |
| Noninterest expense to average assets | 1.6517% | 7,911 |
| Loan and lease loss provision to assets | 0.0195% | 7,141 |
| Net operating income to assets | 2.4022% | 159 |
| Return on assets (ROA) | 2.4022% | 155 |
| Pretax return on assets | 2.4022% | 245 |
| Return on Equity (ROE) | 19.8144% | 392 |
| Retained earnings to average equity (ytd only) | -3.8972% | 6,307 |
| Net charge-offs to loans | 0.0110% | 6,771 |
| Credit loss provision to net charge-offs | 227.2727% | 2,087 |
| Earnings coverage of net charge-offs (x) | 281.9091% | 173 |
| Efficiency ratio | 40.5483% | 8,118 |
| Assets per employee ($millions) | 4.8642% | 2,093 |
| Cash dividends to net income (ytd only)* | 119.6684% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6604% | 7,526 |
| Loan loss allowance to noncurrent loans | 290.3509% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 6,888 |
| Noncurrent loans to loans | 0.2275% | 6,706 |
| Net loans and leases to total assets | 74.4383% | 3,003 |
| Net loans and leases to deposits | 88.7896% | 3,671 |
| Net loans and leases to core deposits | 100.1655% | 4,813 |
| Total domestic deposits to total assets | 83.8368% | 3,405 |
| Equity capital to assets | 11.4461% | 2,670 |
| Core capital (leverage) ratio | 10.9997% | 2,592 |
| Tier 1 risk-based capital ratio | 16.0311% | 2,654 |
| Total risk-based capital ratio | 16.7960% | 2,762 |
| Memoranda: | ||
| Average total assets | $256,100,600 | 2,501 |
| Average earning assets | $236,700,400 | 2,486 |
| Average equity | $31,048,200 | 2,167 |
| Average total loans | $199,853,200 | 2,301 |