Home > Somerville Bank > Performance and Condition Ratios
Somerville 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 | 4.5116% | 3,082 |
| Cost of funding earning assets | 1.4345% | 2,132 |
| Net interest margin | 3.0771% | 3,143 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.3406% | 2,743 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.7168% | 3,141 |
| Return on assets (ROA) | 0.6919% | 3,187 |
| Pretax return on assets | 0.6919% | 3,457 |
| Return on Equity (ROE) | 10.9800% | 2,232 |
| Retained earnings to average equity (ytd only) | 6.6062% | 2,018 |
| Net charge-offs to loans | 0.0011% | 2,832 |
| Credit loss provision to net charge-offs | 9,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 1,026.5000% | 150 |
| Efficiency ratio | 74.8684% | 1,362 |
| Assets per employee ($millions) | 5.0724% | 3,581 |
| Cash dividends to net income (ytd only)* | 39.8230% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 2,780 |
| Loan loss allowance to noncurrent loans | 189.2986% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 1,317 |
| Noncurrent loans to loans | 0.5867% | 1,344 |
| Net loans and leases to total assets | 71.0500% | 1,689 |
| Net loans and leases to deposits | 83.0782% | 1,850 |
| Net loans and leases to core deposits | 89.8576% | 2,059 |
| Total domestic deposits to total assets | 85.5300% | 2,154 |
| Equity capital to assets | 7.2777% | 3,829 |
| Core capital (leverage) ratio | 9.6093% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $261,297,800 | 2,615 |
| Average earning assets | $248,383,200 | 2,585 |
| Average equity | $16,469,400 | 3,143 |
| Average total loans | $185,594,600 | 2,390 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 2,975 |
| Cost of funding earning assets | 1.3337% | 2,048 |
| Net interest margin | 3.1332% | 3,075 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.3333% | 2,693 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.7478% | 3,181 |
| Return on assets (ROA) | 0.7145% | 3,264 |
| Pretax return on assets | 0.7145% | 3,521 |
| Return on Equity (ROE) | 11.8000% | 2,178 |
| Retained earnings to average equity (ytd only) | 7.3642% | 2,180 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.0705% | 1,356 |
| Assets per employee ($millions) | 4.7373% | 3,778 |
| Cash dividends to net income (ytd only)* | 37.5805% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 2,845 |
| Loan loss allowance to noncurrent loans | 223.1602% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 1,592 |
| Noncurrent loans to loans | 0.4950% | 1,577 |
| Net loans and leases to total assets | 72.1700% | 1,555 |
| Net loans and leases to deposits | 82.6673% | 1,857 |
| Net loans and leases to core deposits | 87.9544% | 2,052 |
| Total domestic deposits to total assets | 87.3000% | 1,801 |
| Equity capital to assets | 5.3539% | 4,181 |
| Core capital (leverage) ratio | 9.5182% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $260,680,750 | 2,624 |
| Average earning assets | $247,832,250 | 2,588 |
| Average equity | $15,787,750 | 3,193 |
| Average total loans | $184,613,000 | 2,402 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3405% | 3,020 |
| Cost of funding earning assets | 1.2134% | 1,943 |
| Net interest margin | 3.1271% | 3,159 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.2661% | 2,899 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.7434% | 3,235 |
| Return on assets (ROA) | 0.6939% | 3,356 |
| Pretax return on assets | 0.6939% | 3,614 |
| Return on Equity (ROE) | 11.0400% | 2,406 |
| Retained earnings to average equity (ytd only) | 6.7941% | 2,356 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.6190% | 1,388 |
| Assets per employee ($millions) | 4.9941% | 3,605 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 3,013 |
| Loan loss allowance to noncurrent loans | 242.0863% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 1,659 |
| Noncurrent loans to loans | 0.4490% | 1,594 |
| Net loans and leases to total assets | 69.4100% | 1,806 |
| Net loans and leases to deposits | 80.3694% | 1,942 |
| Net loans and leases to core deposits | 85.6151% | 2,097 |
| Total domestic deposits to total assets | 86.3600% | 2,129 |
| Equity capital to assets | 6.5410% | 3,983 |
| Core capital (leverage) ratio | 9.4006% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $262,303,000 | 2,624 |
| Average earning assets | $249,050,333 | 2,586 |
| Average equity | $16,485,000 | 3,145 |
| Average total loans | $183,926,333 | 2,400 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2446% | 2,941 |
| Cost of funding earning assets | 1.0814% | 1,800 |
| Net interest margin | 3.1632% | 3,203 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.2060% | 3,088 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8318% | 3,085 |
| Return on assets (ROA) | 0.7323% | 3,353 |
| Pretax return on assets | 0.7323% | 3,601 |
| Return on Equity (ROE) | 11.9000% | 2,245 |
| Retained earnings to average equity (ytd only) | 7.5415% | 2,350 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.0059% | 1,639 |
| Assets per employee ($millions) | 5.1590% | 3,525 |
| Cash dividends to net income (ytd only)* | 36.6109% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 3,123 |
| Loan loss allowance to noncurrent loans | 302.2971% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 1,878 |
| Noncurrent loans to loans | 0.3594% | 1,860 |
| Net loans and leases to total assets | 68.3000% | 1,802 |
| Net loans and leases to deposits | 79.1438% | 1,881 |
| Net loans and leases to core deposits | 83.0101% | 2,061 |
| Total domestic deposits to total assets | 86.3000% | 2,507 |
| Equity capital to assets | 6.4954% | 4,029 |
| Core capital (leverage) ratio | 9.3482% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $261,111,500 | 2,661 |
| Average earning assets | $247,467,500 | 2,627 |
| Average equity | $16,071,000 | 3,210 |
| Average total loans | $183,021,000 | 2,432 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7907% | 2,305 |
| Cost of funding earning assets | 0.6016% | 895 |
| Net interest margin | 3.1891% | 2,900 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.3062% | 2,711 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.8635% | 3,104 |
| Return on assets (ROA) | 0.8480% | 3,091 |
| Pretax return on assets | 0.8480% | 3,489 |
| Return on Equity (ROE) | 12.6000% | 1,938 |
| Retained earnings to average equity (ytd only) | 7.5194% | 2,020 |
| Net charge-offs to loans | 0.0017% | 2,491 |
| Credit loss provision to net charge-offs | 5,266.6667% | 131 |
| Earnings coverage of net charge-offs (x) | 798.0000% | 230 |
| Efficiency ratio | 71.3842% | 1,513 |
| Assets per employee ($millions) | 5.0806% | 3,609 |
| Cash dividends to net income (ytd only)* | 40.3005% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 3,140 |
| Loan loss allowance to noncurrent loans | 257.8877% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 1,699 |
| Noncurrent loans to loans | 0.4057% | 1,709 |
| Net loans and leases to total assets | 70.4000% | 1,599 |
| Net loans and leases to deposits | 79.5587% | 1,806 |
| Net loans and leases to core deposits | 82.7939% | 1,946 |
| Total domestic deposits to total assets | 88.4900% | 1,889 |
| Equity capital to assets | 5.8090% | 4,154 |
| Core capital (leverage) ratio | 9.2521% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $258,956,800 | 2,677 |
| Average earning assets | $248,158,000 | 2,629 |
| Average equity | $17,435,000 | 3,170 |
| Average total loans | $174,683,600 | 2,412 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6554% | 2,182 |
| Cost of funding earning assets | 0.5522% | 572 |
| Net interest margin | 3.1031% | 2,929 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.2462% | 2,801 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8296% | 3,135 |
| Return on assets (ROA) | 0.8141% | 3,159 |
| Pretax return on assets | 0.8141% | 3,548 |
| Return on Equity (ROE) | 11.6900% | 2,142 |
| Retained earnings to average equity (ytd only) | 7.8087% | 2,077 |
| Net charge-offs to loans | 0.0023% | 2,187 |
| Credit loss provision to net charge-offs | 4,266.6667% | 129 |
| Earnings coverage of net charge-offs (x) | 579.6667% | 272 |
| Efficiency ratio | 71.4965% | 1,589 |
| Assets per employee ($millions) | 5.0430% | 3,636 |
| Cash dividends to net income (ytd only)* | 33.2068% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,262 |
| Loan loss allowance to noncurrent loans | 197.1963% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 1,445 |
| Noncurrent loans to loans | 0.5316% | 1,473 |
| Net loans and leases to total assets | 69.7000% | 1,503 |
| Net loans and leases to deposits | 77.1578% | 1,784 |
| Net loans and leases to core deposits | 79.3057% | 1,950 |
| Total domestic deposits to total assets | 90.3300% | 1,513 |
| Equity capital to assets | 4.8069% | 4,332 |
| Core capital (leverage) ratio | 9.1725% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $258,917,750 | 2,692 |
| Average earning assets | $248,432,750 | 2,640 |
| Average equity | $18,030,750 | 3,162 |
| Average total loans | $172,265,250 | 2,438 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5291% | 2,044 |
| Cost of funding earning assets | 0.5592% | 371 |
| Net interest margin | 2.9699% | 2,974 |
| Noninterest income to average assets | 0.1765% | 4,120 |
| Noninterest expense to average assets | 2.2174% | 2,793 |
| Loan and lease loss provision to assets | 0.0601% | 1,515 |
| Net operating income to assets | 0.7561% | 3,123 |
| Return on assets (ROA) | 0.7191% | 3,197 |
| Pretax return on assets | 0.7191% | 3,529 |
| Return on Equity (ROE) | 9.3675% | 2,576 |
| Retained earnings to average equity (ytd only) | 7.6104% | 1,763 |
| Net charge-offs to loans | 0.0024% | 2,010 |
| Credit loss provision to net charge-offs | 3,900.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 529.5000% | 246 |
| Efficiency ratio | 73.0945% | 1,611 |
| Assets per employee ($millions) | 4.9722% | 3,701 |
| Cash dividends to net income (ytd only)* | 18.7567% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 3,394 |
| Loan loss allowance to noncurrent loans | 246.3382% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 1,843 |
| Noncurrent loans to loans | 0.4252% | 1,842 |
| Net loans and leases to total assets | 67.5992% | 1,513 |
| Net loans and leases to deposits | 74.9252% | 1,765 |
| Net loans and leases to core deposits | 76.9235% | 1,929 |
| Total domestic deposits to total assets | 90.2222% | 1,625 |
| Equity capital to assets | 6.1178% | 4,171 |
| Core capital (leverage) ratio | 9.1223% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,492,333 | 2,712 |
| Average earning assets | $249,636,667 | 2,674 |
| Average equity | $19,920,000 | 3,080 |
| Average total loans | $169,303,000 | 2,469 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4128% | 2,048 |
| Cost of funding earning assets | 0.5571% | 352 |
| Net interest margin | 2.8557% | 2,971 |
| Noninterest income to average assets | 0.2308% | 3,766 |
| Noninterest expense to average assets | 2.1896% | 2,872 |
| Loan and lease loss provision to assets | 0.0739% | 1,124 |
| Net operating income to assets | 0.7201% | 2,982 |
| Return on assets (ROA) | 0.7201% | 2,971 |
| Pretax return on assets | 0.7201% | 3,333 |
| Return on Equity (ROE) | 8.5203% | 2,503 |
| Retained earnings to average equity (ytd only) | 5.3343% | 2,467 |
| Net charge-offs to loans | 0.0024% | 1,724 |
| Credit loss provision to net charge-offs | 4,800.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 516.0000% | 202 |
| Efficiency ratio | 73.3883% | 1,809 |
| Assets per employee ($millions) | 4.8186% | 3,906 |
| Cash dividends to net income (ytd only)* | 37.3932% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 3,284 |
| Loan loss allowance to noncurrent loans | 2,001.0989% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 3,688 |
| Noncurrent loans to loans | 0.0555% | 3,585 |
| Net loans and leases to total assets | 62.3097% | 1,821 |
| Net loans and leases to deposits | 70.2081% | 1,947 |
| Net loans and leases to core deposits | 72.2019% | 2,088 |
| Total domestic deposits to total assets | 88.7500% | 2,187 |
| Equity capital to assets | 7.4657% | 3,955 |
| Core capital (leverage) ratio | 9.2004% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,961,000 | 2,718 |
| Average earning assets | $250,584,500 | 2,678 |
| Average equity | $21,971,000 | 2,995 |
| Average total loans | $165,639,000 | 2,503 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 1,549 |
| Cost of funding earning assets | 0.7071% | 313 |
| Net interest margin | 3.2188% | 2,562 |
| Noninterest income to average assets | 0.4861% | 2,643 |
| Noninterest expense to average assets | 2.3068% | 2,774 |
| Loan and lease loss provision to assets | 0.0854% | 1,439 |
| Net operating income to assets | 1.1890% | 1,957 |
| Return on assets (ROA) | 1.1890% | 2,023 |
| Pretax return on assets | 1.1890% | 2,699 |
| Return on Equity (ROE) | 12.7970% | 1,528 |
| Retained earnings to average equity (ytd only) | 7.6884% | 1,661 |
| Net charge-offs to loans | 0.0149% | 2,015 |
| Credit loss provision to net charge-offs | 900.0000% | 565 |
| Earnings coverage of net charge-offs (x) | 134.2500% | 726 |
| Efficiency ratio | 64.4135% | 2,498 |
| Assets per employee ($millions) | 4.9946% | 3,731 |
| Cash dividends to net income (ytd only)* | 39.9202% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 3,524 |
| Loan loss allowance to noncurrent loans | 332.2097% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 2,537 |
| Noncurrent loans to loans | 0.3191% | 2,446 |
| Net loans and leases to total assets | 63.7425% | 1,736 |
| Net loans and leases to deposits | 73.6560% | 1,750 |
| Net loans and leases to core deposits | 75.8906% | 1,931 |
| Total domestic deposits to total assets | 86.5407% | 2,694 |
| Equity capital to assets | 9.4395% | 3,194 |
| Core capital (leverage) ratio | 9.0899% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,814,400 | 2,705 |
| Average earning assets | $243,105,800 | 2,662 |
| Average equity | $23,489,800 | 2,942 |
| Average total loans | $160,900,400 | 2,533 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9487% | 1,642 |
| Cost of funding earning assets | 0.7359% | 329 |
| Net interest margin | 3.2128% | 2,692 |
| Noninterest income to average assets | 0.5368% | 2,469 |
| Noninterest expense to average assets | 2.2934% | 2,770 |
| Loan and lease loss provision to assets | 0.0860% | 1,384 |
| Net operating income to assets | 1.2452% | 2,005 |
| Return on assets (ROA) | 1.2452% | 2,070 |
| Pretax return on assets | 1.2452% | 2,787 |
| Return on Equity (ROE) | 13.4574% | 1,554 |
| Retained earnings to average equity (ytd only) | 9.4403% | 1,521 |
| Net charge-offs to loans | 0.0100% | 1,948 |
| Credit loss provision to net charge-offs | 1,350.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 208.9167% | 536 |
| Efficiency ratio | 63.2728% | 2,498 |
| Assets per employee ($millions) | 4.9291% | 3,766 |
| Cash dividends to net income (ytd only)* | 29.8507% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 3,726 |
| Loan loss allowance to noncurrent loans | 335.0097% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 2,781 |
| Noncurrent loans to loans | 0.3091% | 2,682 |
| Net loans and leases to total assets | 64.5762% | 1,701 |
| Net loans and leases to deposits | 74.5517% | 1,806 |
| Net loans and leases to core deposits | 77.2072% | 1,945 |
| Total domestic deposits to total assets | 86.6194% | 2,500 |
| Equity capital to assets | 9.2875% | 3,571 |
| Core capital (leverage) ratio | 9.0749% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,088,750 | 2,735 |
| Average earning assets | $241,323,750 | 2,690 |
| Average equity | $23,233,250 | 2,998 |
| Average total loans | $159,294,500 | 2,588 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7078% | 2,310 |
| Cost of funding earning assets | 0.7676% | 337 |
| Net interest margin | 2.9402% | 3,473 |
| Noninterest income to average assets | 0.6433% | 2,025 |
| Noninterest expense to average assets | 2.3221% | 2,694 |
| Loan and lease loss provision to assets | 0.0866% | 1,418 |
| Net operating income to assets | 1.0580% | 2,687 |
| Return on assets (ROA) | 1.0580% | 2,765 |
| Pretax return on assets | 1.0580% | 3,313 |
| Return on Equity (ROE) | 11.4483% | 2,254 |
| Retained earnings to average equity (ytd only) | 7.9765% | 2,080 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9829% | 2,018 |
| Assets per employee ($millions) | 4.9099% | 3,740 |
| Cash dividends to net income (ytd only)* | 30.3260% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,678 |
| Loan loss allowance to noncurrent loans | 209.1584% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 2,334 |
| Noncurrent loans to loans | 0.4968% | 2,190 |
| Net loans and leases to total assets | 63.0423% | 2,056 |
| Net loans and leases to deposits | 72.8266% | 2,132 |
| Net loans and leases to core deposits | 75.6157% | 2,276 |
| Total domestic deposits to total assets | 86.5649% | 2,523 |
| Equity capital to assets | 9.2940% | 3,513 |
| Core capital (leverage) ratio | 8.8791% | 3,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,348,000 | 2,743 |
| Average earning assets | $239,439,000 | 2,693 |
| Average equity | $23,042,667 | 3,009 |
| Average total loans | $156,643,333 | 2,625 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6604% | 2,473 |
| Cost of funding earning assets | 0.7962% | 356 |
| Net interest margin | 2.8643% | 3,606 |
| Noninterest income to average assets | 0.7111% | 1,844 |
| Noninterest expense to average assets | 2.3250% | 2,708 |
| Loan and lease loss provision to assets | 0.0779% | 1,635 |
| Net operating income to assets | 1.0651% | 2,589 |
| Return on assets (ROA) | 1.0651% | 2,666 |
| Pretax return on assets | 1.0651% | 3,203 |
| Return on Equity (ROE) | 11.5597% | 2,170 |
| Retained earnings to average equity (ytd only) | 8.4760% | 2,102 |
| Net charge-offs to loans | -0.0130% | 3,787 |
| Credit loss provision to net charge-offs | -960.0000% | 3,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0412% | 2,072 |
| Assets per employee ($millions) | 4.8388% | 3,814 |
| Cash dividends to net income (ytd only)* | 26.6768% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 3,589 |
| Loan loss allowance to noncurrent loans | 162.6866% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 2,209 |
| Noncurrent loans to loans | 0.6555% | 1,932 |
| Net loans and leases to total assets | 60.2839% | 2,514 |
| Net loans and leases to deposits | 69.3946% | 2,565 |
| Net loans and leases to core deposits | 72.4613% | 2,661 |
| Total domestic deposits to total assets | 86.8713% | 2,360 |
| Equity capital to assets | 8.8814% | 3,805 |
| Core capital (leverage) ratio | 9.0332% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,364,000 | 2,750 |
| Average earning assets | $237,129,500 | 2,698 |
| Average equity | $22,699,500 | 3,024 |
| Average total loans | $153,641,500 | 2,653 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 2,484 |
| Cost of funding earning assets | 1.0161% | 560 |
| Net interest margin | 3.0637% | 3,716 |
| Noninterest income to average assets | 0.6122% | 2,175 |
| Noninterest expense to average assets | 2.4617% | 2,954 |
| Loan and lease loss provision to assets | 0.1267% | 2,775 |
| Net operating income to assets | 0.9692% | 2,401 |
| Return on assets (ROA) | 1.1116% | 2,000 |
| Pretax return on assets | 1.1116% | 2,649 |
| Return on Equity (ROE) | 11.2055% | 1,555 |
| Retained earnings to average equity (ytd only) | 5.7527% | 1,922 |
| Net charge-offs to loans | 0.1345% | 1,202 |
| Credit loss provision to net charge-offs | 139.1089% | 2,492 |
| Earnings coverage of net charge-offs (x) | 12.0347% | 2,361 |
| Efficiency ratio | 69.1967% | 2,065 |
| Assets per employee ($millions) | 4.4650% | 3,953 |
| Cash dividends to net income (ytd only)* | 48.6618% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 3,773 |
| Loan loss allowance to noncurrent loans | 179.8635% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 2,521 |
| Noncurrent loans to loans | 0.5709% | 2,271 |
| Net loans and leases to total assets | 63.2001% | 2,465 |
| Net loans and leases to deposits | 73.7500% | 2,511 |
| Net loans and leases to core deposits | 77.6375% | 2,584 |
| Total domestic deposits to total assets | 85.6950% | 2,491 |
| Equity capital to assets | 9.5607% | 3,549 |
| Core capital (leverage) ratio | 9.1338% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,839,000 | 2,781 |
| Average earning assets | $213,269,200 | 2,721 |
| Average equity | $22,007,000 | 3,007 |
| Average total loans | $150,178,000 | 2,661 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1187% | 2,627 |
| Cost of funding earning assets | 1.0583% | 623 |
| Net interest margin | 3.0604% | 3,839 |
| Noninterest income to average assets | 0.4755% | 2,715 |
| Noninterest expense to average assets | 2.4083% | 3,109 |
| Loan and lease loss provision to assets | 0.1018% | 3,045 |
| Net operating income to assets | 0.9056% | 2,681 |
| Return on assets (ROA) | 1.0997% | 2,109 |
| Pretax return on assets | 1.0997% | 2,748 |
| Return on Equity (ROE) | 10.9751% | 1,686 |
| Retained earnings to average equity (ytd only) | 7.6028% | 1,459 |
| Net charge-offs to loans | 0.0152% | 2,582 |
| Credit loss provision to net charge-offs | 976.4706% | 842 |
| Earnings coverage of net charge-offs (x) | 96.4706% | 812 |
| Efficiency ratio | 70.5036% | 1,819 |
| Assets per employee ($millions) | 4.6144% | 3,709 |
| Cash dividends to net income (ytd only)* | 30.7263% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 3,292 |
| Loan loss allowance to noncurrent loans | 143.5652% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 2,244 |
| Noncurrent loans to loans | 0.7543% | 1,920 |
| Net loans and leases to total assets | 64.0811% | 2,764 |
| Net loans and leases to deposits | 74.8199% | 2,879 |
| Net loans and leases to core deposits | 78.7953% | 2,935 |
| Total domestic deposits to total assets | 85.6471% | 2,199 |
| Equity capital to assets | 9.5673% | 3,633 |
| Core capital (leverage) ratio | 9.4030% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,020,750 | 2,802 |
| Average earning assets | $208,508,250 | 2,741 |
| Average equity | $21,745,750 | 3,021 |
| Average total loans | $149,231,500 | 2,675 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1774% | 2,830 |
| Cost of funding earning assets | 1.0747% | 781 |
| Net interest margin | 3.1027% | 3,898 |
| Noninterest income to average assets | 0.4438% | 2,834 |
| Noninterest expense to average assets | 2.4550% | 3,087 |
| Loan and lease loss provision to assets | 0.0683% | 3,439 |
| Net operating income to assets | 0.9018% | 2,680 |
| Return on assets (ROA) | 1.1606% | 1,889 |
| Pretax return on assets | 1.1606% | 2,496 |
| Return on Equity (ROE) | 11.3917% | 1,516 |
| Retained earnings to average equity (ytd only) | 8.5996% | 1,133 |
| Net charge-offs to loans | 0.0256% | 2,208 |
| Credit loss provision to net charge-offs | 378.9474% | 1,449 |
| Earnings coverage of net charge-offs (x) | 53.8421% | 1,051 |
| Efficiency ratio | 71.6777% | 1,737 |
| Assets per employee ($millions) | 4.5368% | 3,735 |
| Cash dividends to net income (ytd only)* | 24.5098% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 3,421 |
| Loan loss allowance to noncurrent loans | 131.9763% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5303% | 2,237 |
| Noncurrent loans to loans | 0.7794% | 1,938 |
| Net loans and leases to total assets | 66.0025% | 2,628 |
| Net loans and leases to deposits | 77.4768% | 2,714 |
| Net loans and leases to core deposits | 82.5040% | 2,732 |
| Total domestic deposits to total assets | 85.1900% | 2,315 |
| Equity capital to assets | 9.8074% | 3,359 |
| Core capital (leverage) ratio | 9.8676% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,916,667 | 2,822 |
| Average earning assets | $202,659,667 | 2,758 |
| Average equity | $21,489,333 | 3,031 |
| Average total loans | $148,157,000 | 2,671 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 2,840 |
| Cost of funding earning assets | 1.0764% | 1,114 |
| Net interest margin | 3.2496% | 3,728 |
| Noninterest income to average assets | 0.0966% | 4,839 |
| Noninterest expense to average assets | 2.4242% | 3,485 |
| Loan and lease loss provision to assets | 0.0710% | 2,852 |
| Net operating income to assets | 0.7253% | 3,185 |
| Return on assets (ROA) | 0.7253% | 3,272 |
| Pretax return on assets | 0.7253% | 3,610 |
| Return on Equity (ROE) | 6.9728% | 2,963 |
| Retained earnings to average equity (ytd only) | 4.1306% | 2,629 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2754% | 1,648 |
| Assets per employee ($millions) | 4.1568% | 3,714 |
| Cash dividends to net income (ytd only)* | 40.7609% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,378 |
| Loan loss allowance to noncurrent loans | 116.2387% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.6486% | 2,054 |
| Noncurrent loans to loans | 0.9159% | 1,787 |
| Net loans and leases to total assets | 68.8090% | 2,419 |
| Net loans and leases to deposits | 81.7690% | 2,480 |
| Net loans and leases to core deposits | 87.8929% | 2,528 |
| Total domestic deposits to total assets | 84.1505% | 2,736 |
| Equity capital to assets | 10.3300% | 3,490 |
| Core capital (leverage) ratio | 10.3127% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0167% | 1,599 |
| Memoranda: | ||
| Average total assets | $202,955,000 | 2,844 |
| Average earning assets | $195,098,000 | 2,780 |
| Average equity | $21,110,500 | 3,062 |
| Average total loans | $146,597,500 | 2,665 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4539% | 3,106 |
| Cost of funding earning assets | 1.0613% | 1,471 |
| Net interest margin | 3.3926% | 3,774 |
| Noninterest income to average assets | 0.2786% | 4,016 |
| Noninterest expense to average assets | 2.4535% | 3,568 |
| Loan and lease loss provision to assets | 0.0703% | 2,595 |
| Net operating income to assets | 1.0197% | 2,773 |
| Return on assets (ROA) | 1.0224% | 2,849 |
| Pretax return on assets | 1.0224% | 3,409 |
| Return on Equity (ROE) | 9.5549% | 2,499 |
| Retained earnings to average equity (ytd only) | 4.8247% | 2,518 |
| Net charge-offs to loans | 0.0007% | 3,705 |
| Credit loss provision to net charge-offs | 13,200.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 2,046.0000% | 32 |
| Efficiency ratio | 69.2377% | 2,286 |
| Assets per employee ($millions) | 4.2142% | 3,618 |
| Cash dividends to net income (ytd only)* | 49.5050% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 3,430 |
| Loan loss allowance to noncurrent loans | 199.0728% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 2,828 |
| Noncurrent loans to loans | 0.5079% | 2,669 |
| Net loans and leases to total assets | 74.2871% | 1,705 |
| Net loans and leases to deposits | 86.3228% | 2,049 |
| Net loans and leases to core deposits | 92.6358% | 2,191 |
| Total domestic deposits to total assets | 86.0573% | 2,045 |
| Equity capital to assets | 10.4767% | 3,471 |
| Core capital (leverage) ratio | 10.4092% | 3,061 |
| Tier 1 risk-based capital ratio | 14.8298% | 2,857 |
| Total risk-based capital ratio | 15.9205% | 2,833 |
| Memoranda: | ||
| Average total assets | $187,694,400 | 2,939 |
| Average earning assets | $180,629,400 | 2,880 |
| Average equity | $20,084,000 | 3,123 |
| Average total loans | $138,624,800 | 2,744 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 3,280 |
| Cost of funding earning assets | 1.0290% | 1,630 |
| Net interest margin | 3.3947% | 3,873 |
| Noninterest income to average assets | 0.2629% | 4,169 |
| Noninterest expense to average assets | 2.4548% | 3,552 |
| Loan and lease loss provision to assets | 0.0692% | 2,495 |
| Net operating income to assets | 1.0063% | 2,959 |
| Return on assets (ROA) | 1.0099% | 3,029 |
| Pretax return on assets | 1.0099% | 3,567 |
| Return on Equity (ROE) | 9.3853% | 2,724 |
| Retained earnings to average equity (ytd only) | 5.0340% | 2,876 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5368% | 2,184 |
| Assets per employee ($millions) | 4.4581% | 3,273 |
| Cash dividends to net income (ytd only)* | 46.3625% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 3,519 |
| Loan loss allowance to noncurrent loans | 198.7805% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 2,957 |
| Noncurrent loans to loans | 0.5079% | 2,772 |
| Net loans and leases to total assets | 73.3297% | 1,939 |
| Net loans and leases to deposits | 85.5902% | 2,249 |
| Net loans and leases to core deposits | 91.2101% | 2,445 |
| Total domestic deposits to total assets | 85.6753% | 2,128 |
| Equity capital to assets | 10.4890% | 3,550 |
| Core capital (leverage) ratio | 10.7590% | 2,880 |
| Tier 1 risk-based capital ratio | 14.8513% | 2,926 |
| Total risk-based capital ratio | 15.9288% | 2,921 |
| Memoranda: | ||
| Average total assets | $185,101,000 | 2,993 |
| Average earning assets | $178,156,000 | 2,930 |
| Average equity | $19,917,250 | 3,162 |
| Average total loans | $136,120,500 | 2,793 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4220% | 3,272 |
| Cost of funding earning assets | 1.0076% | 1,658 |
| Net interest margin | 3.4144% | 3,847 |
| Noninterest income to average assets | 0.2646% | 4,167 |
| Noninterest expense to average assets | 2.4816% | 3,543 |
| Loan and lease loss provision to assets | 0.0661% | 2,495 |
| Net operating income to assets | 1.0043% | 2,908 |
| Return on assets (ROA) | 1.0098% | 2,958 |
| Pretax return on assets | 1.0098% | 3,512 |
| Return on Equity (ROE) | 9.3004% | 2,726 |
| Retained earnings to average equity (ytd only) | 5.2391% | 2,647 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8634% | 2,242 |
| Assets per employee ($millions) | 4.1416% | 3,664 |
| Cash dividends to net income (ytd only)* | 43.6681% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,356 |
| Loan loss allowance to noncurrent loans | 424.9258% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 3,837 |
| Noncurrent loans to loans | 0.2462% | 3,655 |
| Net loans and leases to total assets | 74.3149% | 1,836 |
| Net loans and leases to deposits | 84.9032% | 2,378 |
| Net loans and leases to core deposits | 90.9270% | 2,523 |
| Total domestic deposits to total assets | 87.5289% | 1,326 |
| Equity capital to assets | 11.1085% | 2,939 |
| Core capital (leverage) ratio | 11.0414% | 2,555 |
| Tier 1 risk-based capital ratio | 16.0540% | 2,390 |
| Total risk-based capital ratio | 17.2044% | 2,380 |
| Memoranda: | ||
| Average total assets | $181,415,330 | 3,038 |
| Average earning assets | $174,671,000 | 2,977 |
| Average equity | $19,698,000 | 3,173 |
| Average total loans | $133,057,670 | 2,834 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2970% | 3,569 |
| Cost of funding earning assets | 0.9710% | 1,695 |
| Net interest margin | 3.3261% | 4,099 |
| Noninterest income to average assets | 0.2121% | 4,473 |
| Noninterest expense to average assets | 2.4375% | 3,665 |
| Loan and lease loss provision to assets | 0.0530% | 2,600 |
| Net operating income to assets | 0.9237% | 3,148 |
| Return on assets (ROA) | 0.9237% | 3,182 |
| Pretax return on assets | 0.9237% | 3,683 |
| Return on Equity (ROE) | 8.6072% | 2,984 |
| Retained earnings to average equity (ytd only) | 5.5185% | 2,689 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3916% | 2,128 |
| Assets per employee ($millions) | 3.9292% | 4,032 |
| Cash dividends to net income (ytd only)* | 35.8852% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,368 |
| Loan loss allowance to noncurrent loans | 251.5315% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 3,383 |
| Noncurrent loans to loans | 0.4205% | 3,084 |
| Net loans and leases to total assets | 72.2582% | 2,110 |
| Net loans and leases to deposits | 82.3417% | 2,578 |
| Net loans and leases to core deposits | 87.9132% | 2,699 |
| Total domestic deposits to total assets | 87.7540% | 1,455 |
| Equity capital to assets | 10.9176% | 2,934 |
| Core capital (leverage) ratio | 10.9502% | 2,613 |
| Tier 1 risk-based capital ratio | 16.4950% | 2,270 |
| Total risk-based capital ratio | 17.6619% | 2,242 |
| Memoranda: | ||
| Average total assets | $181,008,000 | 3,075 |
| Average earning assets | $174,260,000 | 3,009 |
| Average equity | $19,425,500 | 3,209 |
| Average total loans | $131,158,500 | 2,891 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1037% | 3,731 |
| Cost of funding earning assets | 0.8548% | 1,280 |
| Net interest margin | 3.2489% | 4,389 |
| Noninterest income to average assets | 0.2537% | 4,411 |
| Noninterest expense to average assets | 2.5708% | 3,412 |
| Loan and lease loss provision to assets | 0.0114% | 3,908 |
| Net operating income to assets | 0.7913% | 3,836 |
| Return on assets (ROA) | 0.7555% | 3,954 |
| Pretax return on assets | 0.7555% | 4,280 |
| Return on Equity (ROE) | 7.1222% | 3,786 |
| Retained earnings to average equity (ytd only) | 3.7778% | 3,493 |
| Net charge-offs to loans | 0.0140% | 3,211 |
| Credit loss provision to net charge-offs | 117.6471% | 2,209 |
| Earnings coverage of net charge-offs (x) | 83.1765% | 845 |
| Efficiency ratio | 76.2073% | 1,329 |
| Assets per employee ($millions) | 4.0282% | 3,860 |
| Cash dividends to net income (ytd only)* | 46.9572% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 3,366 |
| Loan loss allowance to noncurrent loans | 249.2727% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 3,359 |
| Noncurrent loans to loans | 0.4220% | 3,027 |
| Net loans and leases to total assets | 71.1349% | 2,405 |
| Net loans and leases to deposits | 80.7584% | 2,877 |
| Net loans and leases to core deposits | 86.1686% | 2,901 |
| Total domestic deposits to total assets | 88.0836% | 1,262 |
| Equity capital to assets | 10.5466% | 3,134 |
| Core capital (leverage) ratio | 10.8480% | 2,679 |
| Tier 1 risk-based capital ratio | 16.4014% | 2,271 |
| Total risk-based capital ratio | 17.5565% | 2,250 |
| Memoranda: | ||
| Average total assets | $176,171,600 | 3,097 |
| Average earning assets | $169,165,000 | 3,036 |
| Average equity | $18,688,000 | 3,218 |
| Average total loans | $121,307,200 | 2,978 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0309% | 3,841 |
| Cost of funding earning assets | 0.8303% | 1,193 |
| Net interest margin | 3.2006% | 4,511 |
| Noninterest income to average assets | 0.2782% | 4,290 |
| Noninterest expense to average assets | 2.5828% | 3,336 |
| Loan and lease loss provision to assets | 0.0152% | 3,705 |
| Net operating income to assets | 0.7539% | 4,063 |
| Return on assets (ROA) | 0.7097% | 4,203 |
| Pretax return on assets | 0.7097% | 4,510 |
| Return on Equity (ROE) | 6.6807% | 4,041 |
| Retained earnings to average equity (ytd only) | 3.9897% | 3,778 |
| Net charge-offs to loans | 0.0370% | 2,337 |
| Credit loss provision to net charge-offs | 60.6061% | 2,741 |
| Earnings coverage of net charge-offs (x) | 30.5750% | 1,588 |
| Efficiency ratio | 77.0525% | 1,219 |
| Assets per employee ($millions) | 4.1077% | 3,716 |
| Cash dividends to net income (ytd only)* | 40.2795% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,219 |
| Loan loss allowance to noncurrent loans | 332.1078% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 3,723 |
| Noncurrent loans to loans | 0.3300% | 3,488 |
| Net loans and leases to total assets | 67.6480% | 2,995 |
| Net loans and leases to deposits | 76.6819% | 3,354 |
| Net loans and leases to core deposits | 80.7805% | 3,433 |
| Total domestic deposits to total assets | 88.2190% | 1,147 |
| Equity capital to assets | 10.2694% | 3,376 |
| Core capital (leverage) ratio | 10.8727% | 2,700 |
| Tier 1 risk-based capital ratio | 17.1974% | 2,023 |
| Total risk-based capital ratio | 18.3591% | 2,003 |
| Memoranda: | ||
| Average total assets | $174,896,750 | 3,140 |
| Average earning assets | $167,966,750 | 3,072 |
| Average equity | $18,580,500 | 3,249 |
| Average total loans | $119,054,500 | 3,032 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 3,875 |
| Cost of funding earning assets | 0.8084% | 1,092 |
| Net interest margin | 3.1614% | 4,590 |
| Noninterest income to average assets | 0.3064% | 4,123 |
| Noninterest expense to average assets | 2.6516% | 3,157 |
| Loan and lease loss provision to assets | 0.0231% | 3,458 |
| Net operating income to assets | 0.6707% | 4,284 |
| Return on assets (ROA) | 0.6036% | 4,489 |
| Pretax return on assets | 0.6036% | 4,732 |
| Return on Equity (ROE) | 5.6168% | 4,373 |
| Retained earnings to average equity (ytd only) | 2.9268% | 4,079 |
| Net charge-offs to loans | 0.0425% | 2,015 |
| Credit loss provision to net charge-offs | 80.0000% | 2,256 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,692 |
| Efficiency ratio | 79.2603% | 1,092 |
| Assets per employee ($millions) | 4.0031% | 3,893 |
| Cash dividends to net income (ytd only)* | 47.8927% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 3,120 |
| Loan loss allowance to noncurrent loans | 367.3854% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 3,799 |
| Noncurrent loans to loans | 0.3063% | 3,612 |
| Net loans and leases to total assets | 67.9918% | 2,870 |
| Net loans and leases to deposits | 77.3221% | 3,221 |
| Net loans and leases to core deposits | 81.7483% | 3,266 |
| Total domestic deposits to total assets | 87.9332% | 1,419 |
| Equity capital to assets | 10.4885% | 3,131 |
| Core capital (leverage) ratio | 10.8589% | 2,651 |
| Tier 1 risk-based capital ratio | 17.6536% | 1,902 |
| Total risk-based capital ratio | 18.9039% | 1,857 |
| Memoranda: | ||
| Average total assets | $172,949,000 | 3,182 |
| Average earning assets | $166,257,000 | 3,106 |
| Average equity | $18,587,000 | 3,266 |
| Average total loans | $117,532,000 | 3,067 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 3,660 |
| Cost of funding earning assets | 0.7787% | 1,056 |
| Net interest margin | 3.2072% | 4,438 |
| Noninterest income to average assets | 0.2638% | 4,418 |
| Noninterest expense to average assets | 2.6611% | 3,158 |
| Loan and lease loss provision to assets | 0.0467% | 2,836 |
| Net operating income to assets | 0.6326% | 4,332 |
| Return on assets (ROA) | 0.6326% | 4,343 |
| Pretax return on assets | 0.6326% | 4,608 |
| Return on Equity (ROE) | 5.8144% | 4,221 |
| Retained earnings to average equity (ytd only) | 3.1325% | 3,952 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6646% | 1,179 |
| Assets per employee ($millions) | 4.0072% | 3,968 |
| Cash dividends to net income (ytd only)* | 46.1255% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 2,909 |
| Loan loss allowance to noncurrent loans | 405.8480% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 3,995 |
| Noncurrent loans to loans | 0.2916% | 3,728 |
| Net loans and leases to total assets | 67.2534% | 2,857 |
| Net loans and leases to deposits | 78.6098% | 2,950 |
| Net loans and leases to core deposits | 83.1122% | 3,053 |
| Total domestic deposits to total assets | 85.5534% | 2,731 |
| Equity capital to assets | 10.7950% | 2,772 |
| Core capital (leverage) ratio | 11.0331% | 2,408 |
| Tier 1 risk-based capital ratio | 17.4173% | 2,000 |
| Total risk-based capital ratio | 18.6673% | 1,953 |
| Memoranda: | ||
| Average total assets | $171,355,500 | 3,238 |
| Average earning assets | $164,381,500 | 3,156 |
| Average equity | $18,643,500 | 3,288 |
| Average total loans | $115,737,500 | 3,116 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8267% | 3,959 |
| Cost of funding earning assets | 0.7247% | 911 |
| Net interest margin | 3.1019% | 4,692 |
| Noninterest income to average assets | 0.3643% | 3,860 |
| Noninterest expense to average assets | 2.7881% | 2,815 |
| Loan and lease loss provision to assets | 0.1360% | 1,684 |
| Net operating income to assets | 0.4146% | 4,645 |
| Return on assets (ROA) | 0.4146% | 4,668 |
| Pretax return on assets | 0.4146% | 5,070 |
| Return on Equity (ROE) | 3.7935% | 4,563 |
| Retained earnings to average equity (ytd only) | 1.0877% | 4,596 |
| Net charge-offs to loans | 0.0169% | 3,532 |
| Credit loss provision to net charge-offs | 1,277.7778% | 300 |
| Earnings coverage of net charge-offs (x) | 51.7222% | 1,064 |
| Efficiency ratio | 83.5075% | 811 |
| Assets per employee ($millions) | 3.8727% | 4,157 |
| Cash dividends to net income (ytd only)* | 71.3267% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 2,796 |
| Loan loss allowance to noncurrent loans | 258.1132% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4560% | 3,047 |
| Noncurrent loans to loans | 0.4641% | 3,120 |
| Net loans and leases to total assets | 66.2171% | 3,074 |
| Net loans and leases to deposits | 76.4132% | 3,290 |
| Net loans and leases to core deposits | 80.7682% | 3,360 |
| Total domestic deposits to total assets | 86.6567% | 2,168 |
| Equity capital to assets | 10.9660% | 2,661 |
| Core capital (leverage) ratio | 10.7956% | 2,540 |
| Tier 1 risk-based capital ratio | 17.2890% | 2,000 |
| Total risk-based capital ratio | 18.5394% | 1,950 |
| Memoranda: | ||
| Average total assets | $169,074,200 | 3,258 |
| Average earning assets | $162,125,600 | 3,171 |
| Average equity | $18,479,200 | 3,302 |
| Average total loans | $106,457,400 | 3,242 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7353% | 4,225 |
| Cost of funding earning assets | 0.7072% | 930 |
| Net interest margin | 3.0281% | 4,857 |
| Noninterest income to average assets | 0.4140% | 3,597 |
| Noninterest expense to average assets | 2.8160% | 2,676 |
| Loan and lease loss provision to assets | 0.1343% | 1,612 |
| Net operating income to assets | 0.3698% | 5,066 |
| Return on assets (ROA) | 0.3698% | 5,085 |
| Pretax return on assets | 0.3698% | 5,232 |
| Return on Equity (ROE) | 3.3861% | 5,015 |
| Retained earnings to average equity (ytd only) | 0.6729% | 5,071 |
| Net charge-offs to loans | 0.0306% | 2,815 |
| Credit loss provision to net charge-offs | 708.3333% | 478 |
| Earnings coverage of net charge-offs (x) | 26.5828% | 1,675 |
| Efficiency ratio | 84.8168% | 699 |
| Assets per employee ($millions) | 3.8956% | 4,168 |
| Cash dividends to net income (ytd only)* | 80.1292% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 3,006 |
| Loan loss allowance to noncurrent loans | 207.9872% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 3,075 |
| Noncurrent loans to loans | 0.5707% | 2,988 |
| Net loans and leases to total assets | 61.8341% | 3,670 |
| Net loans and leases to deposits | 72.4467% | 3,726 |
| Net loans and leases to core deposits | 75.8307% | 3,812 |
| Total domestic deposits to total assets | 85.3511% | 2,577 |
| Equity capital to assets | 10.6228% | 3,242 |
| Core capital (leverage) ratio | 10.8944% | 2,557 |
| Tier 1 risk-based capital ratio | 18.1493% | 1,817 |
| Total risk-based capital ratio | 19.3995% | 1,773 |
| Memoranda: | ||
| Average total assets | $168,742,750 | 3,290 |
| Average earning assets | $161,946,000 | 3,204 |
| Average equity | $18,427,500 | 3,339 |
| Average total loans | $104,521,250 | 3,299 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6963% | 4,242 |
| Cost of funding earning assets | 0.6982% | 904 |
| Net interest margin | 2.9981% | 4,920 |
| Noninterest income to average assets | 0.3795% | 3,837 |
| Noninterest expense to average assets | 2.8387% | 2,619 |
| Loan and lease loss provision to assets | 0.1321% | 1,580 |
| Net operating income to assets | 0.2858% | 5,253 |
| Return on assets (ROA) | 0.2858% | 5,267 |
| Pretax return on assets | 0.2858% | 5,353 |
| Return on Equity (ROE) | 2.5922% | 5,220 |
| Retained earnings to average equity (ytd only) | -0.1307% | 5,093 |
| Net charge-offs to loans | 0.0311% | 2,580 |
| Credit loss provision to net charge-offs | 687.5000% | 512 |
| Earnings coverage of net charge-offs (x) | 21.7500% | 1,738 |
| Efficiency ratio | 87.1681% | 596 |
| Assets per employee ($millions) | 3.7621% | 4,334 |
| Cash dividends to net income (ytd only)* | 105.0420% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 3,158 |
| Loan loss allowance to noncurrent loans | 93.5629% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9126% | 1,935 |
| Noncurrent loans to loans | 1.2573% | 1,532 |
| Net loans and leases to total assets | 62.0286% | 3,629 |
| Net loans and leases to deposits | 72.6194% | 3,678 |
| Net loans and leases to core deposits | 75.8445% | 3,788 |
| Total domestic deposits to total assets | 85.4161% | 2,639 |
| Equity capital to assets | 10.9258% | 2,898 |
| Core capital (leverage) ratio | 11.1565% | 2,270 |
| Tier 1 risk-based capital ratio | 18.5355% | 1,710 |
| Total risk-based capital ratio | 19.7846% | 1,667 |
| Memoranda: | ||
| Average total assets | $166,556,000 | 3,325 |
| Average earning assets | $159,835,330 | 3,247 |
| Average equity | $18,362,670 | 3,351 |
| Average total loans | $102,795,330 | 3,344 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 4,119 |
| Cost of funding earning assets | 0.6868% | 898 |
| Net interest margin | 3.0125% | 4,863 |
| Noninterest income to average assets | 0.2179% | 4,967 |
| Noninterest expense to average assets | 2.8017% | 2,781 |
| Loan and lease loss provision to assets | 0.1211% | 1,585 |
| Net operating income to assets | 0.1840% | 5,419 |
| Return on assets (ROA) | 0.1840% | 5,430 |
| Pretax return on assets | 0.1840% | 5,452 |
| Return on Equity (ROE) | 1.6616% | 5,390 |
| Retained earnings to average equity (ytd only) | -1.0713% | 5,079 |
| Net charge-offs to loans | 0.0633% | 1,698 |
| Credit loss provision to net charge-offs | 312.5000% | 761 |
| Earnings coverage of net charge-offs (x) | 7.8750% | 2,100 |
| Efficiency ratio | 90.1793% | 547 |
| Assets per employee ($millions) | 3.4614% | 4,845 |
| Cash dividends to net income (ytd only)* | 164.4737% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 3,250 |
| Loan loss allowance to noncurrent loans | 70.3726% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.0406% | 1,747 |
| Noncurrent loans to loans | 1.6784% | 1,147 |
| Net loans and leases to total assets | 59.9237% | 3,794 |
| Net loans and leases to deposits | 68.7882% | 3,913 |
| Net loans and leases to core deposits | 70.9591% | 4,077 |
| Total domestic deposits to total assets | 87.1133% | 2,154 |
| Equity capital to assets | 11.0016% | 2,627 |
| Core capital (leverage) ratio | 11.2830% | 2,116 |
| Tier 1 risk-based capital ratio | 19.6574% | 1,461 |
| Total risk-based capital ratio | 20.9073% | 1,434 |
| Memoranda: | ||
| Average total assets | $165,186,000 | 3,367 |
| Average earning assets | $158,404,500 | 3,290 |
| Average equity | $18,295,500 | 3,374 |
| Average total loans | $101,062,000 | 3,400 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5336% | 4,684 |
| Cost of funding earning assets | 0.7162% | 759 |
| Net interest margin | 2.8173% | 5,266 |
| Noninterest income to average assets | 0.3864% | 3,989 |
| Noninterest expense to average assets | 2.7831% | 3,077 |
| Loan and lease loss provision to assets | 0.0670% | 3,028 |
| Net operating income to assets | 0.2425% | 5,330 |
| Return on assets (ROA) | 0.2468% | 5,396 |
| Pretax return on assets | 0.2468% | 5,435 |
| Return on Equity (ROE) | 2.1642% | 5,366 |
| Retained earnings to average equity (ytd only) | -0.3741% | 5,360 |
| Net charge-offs to loans | 0.2072% | 1,345 |
| Credit loss provision to net charge-offs | 57.2917% | 3,291 |
| Earnings coverage of net charge-offs (x) | 2.6458% | 3,791 |
| Efficiency ratio | 89.9901% | 552 |
| Assets per employee ($millions) | 3.6488% | 4,544 |
| Cash dividends to net income (ytd only)* | 117.2840% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 3,486 |
| Loan loss allowance to noncurrent loans | 71.8905% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.0627% | 1,775 |
| Noncurrent loans to loans | 1.5862% | 1,242 |
| Net loans and leases to total assets | 61.0336% | 3,722 |
| Net loans and leases to deposits | 70.2821% | 3,876 |
| Net loans and leases to core deposits | 73.2916% | 3,980 |
| Total domestic deposits to total assets | 86.8409% | 2,227 |
| Equity capital to assets | 11.1366% | 2,495 |
| Core capital (leverage) ratio | 11.3266% | 2,063 |
| Tier 1 risk-based capital ratio | 20.2832% | 1,325 |
| Total risk-based capital ratio | 21.5340% | 1,299 |
| Memoranda: | ||
| Average total assets | $164,098,800 | 3,354 |
| Average earning assets | $157,631,000 | 3,273 |
| Average equity | $18,713,600 | 3,313 |
| Average total loans | $92,671,200 | 3,523 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4916% | 4,832 |
| Cost of funding earning assets | 0.7178% | 748 |
| Net interest margin | 2.7738% | 5,401 |
| Noninterest income to average assets | 0.5103% | 3,182 |
| Noninterest expense to average assets | 2.7849% | 3,064 |
| Loan and lease loss provision to assets | 0.0650% | 2,928 |
| Net operating income to assets | 0.3267% | 5,221 |
| Return on assets (ROA) | 0.3324% | 5,287 |
| Pretax return on assets | 0.3324% | 5,408 |
| Return on Equity (ROE) | 2.8975% | 5,249 |
| Retained earnings to average equity (ytd only) | 0.0638% | 5,324 |
| Net charge-offs to loans | 0.2829% | 809 |
| Credit loss provision to net charge-offs | 41.6667% | 3,137 |
| Earnings coverage of net charge-offs (x) | 2.5104% | 3,555 |
| Efficiency ratio | 87.6695% | 696 |
| Assets per employee ($millions) | 3.2097% | 5,165 |
| Cash dividends to net income (ytd only)* | 97.7995% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 3,301 |
| Loan loss allowance to noncurrent loans | 68.2424% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.0324% | 1,995 |
| Noncurrent loans to loans | 1.7437% | 1,195 |
| Net loans and leases to total assets | 57.1175% | 4,183 |
| Net loans and leases to deposits | 66.0682% | 4,336 |
| Net loans and leases to core deposits | 68.6513% | 4,418 |
| Total domestic deposits to total assets | 86.4523% | 2,146 |
| Equity capital to assets | 11.5269% | 2,491 |
| Core capital (leverage) ratio | 11.3676% | 2,140 |
| Tier 1 risk-based capital ratio | 21.4380% | 1,204 |
| Total risk-based capital ratio | 22.6888% | 1,187 |
| Memoranda: | ||
| Average total assets | $164,074,000 | 3,370 |
| Average earning assets | $157,708,750 | 3,285 |
| Average equity | $18,820,500 | 3,319 |
| Average total loans | $90,496,000 | 3,583 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4630% | 4,953 |
| Cost of funding earning assets | 0.7108% | 759 |
| Net interest margin | 2.7521% | 5,503 |
| Noninterest income to average assets | 0.5298% | 3,007 |
| Noninterest expense to average assets | 2.8051% | 3,010 |
| Loan and lease loss provision to assets | 0.0365% | 3,429 |
| Net operating income to assets | 0.3337% | 5,228 |
| Return on assets (ROA) | 0.3423% | 5,285 |
| Pretax return on assets | 0.3423% | 5,430 |
| Return on Equity (ROE) | 2.9887% | 5,250 |
| Retained earnings to average equity (ytd only) | 0.0638% | 5,273 |
| Net charge-offs to loans | 0.1077% | 1,748 |
| Credit loss provision to net charge-offs | 62.5000% | 2,547 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,756 |
| Efficiency ratio | 88.3391% | 697 |
| Assets per employee ($millions) | 3.6387% | 4,534 |
| Cash dividends to net income (ytd only)* | 97.8648% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 2,617 |
| Loan loss allowance to noncurrent loans | 102.9536% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.8526% | 2,455 |
| Noncurrent loans to loans | 1.2927% | 1,747 |
| Net loans and leases to total assets | 55.2396% | 4,389 |
| Net loans and leases to deposits | 63.9166% | 4,495 |
| Net loans and leases to core deposits | 66.5801% | 4,566 |
| Total domestic deposits to total assets | 86.4245% | 2,204 |
| Equity capital to assets | 11.5584% | 2,486 |
| Core capital (leverage) ratio | 11.3185% | 2,130 |
| Tier 1 risk-based capital ratio | 21.4006% | 1,212 |
| Total risk-based capital ratio | 22.6539% | 1,192 |
| Memoranda: | ||
| Average total assets | $164,200,000 | 3,385 |
| Average earning assets | $157,840,330 | 3,301 |
| Average equity | $18,804,330 | 3,325 |
| Average total loans | $89,119,670 | 3,631 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4179% | 5,082 |
| Cost of funding earning assets | 0.7013% | 803 |
| Net interest margin | 2.7166% | 5,591 |
| Noninterest income to average assets | 0.5060% | 3,075 |
| Noninterest expense to average assets | 2.7927% | 3,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3235% | 5,231 |
| Return on assets (ROA) | 0.3406% | 5,264 |
| Pretax return on assets | 0.3406% | 5,427 |
| Return on Equity (ROE) | 2.9877% | 5,242 |
| Retained earnings to average equity (ytd only) | 0.3201% | 5,039 |
| Net charge-offs to loans | 0.0046% | 2,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 443 |
| Efficiency ratio | 89.6175% | 698 |
| Assets per employee ($millions) | 3.5704% | 4,699 |
| Cash dividends to net income (ytd only)* | 89.2857% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 2,308 |
| Loan loss allowance to noncurrent loans | 101.1447% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 2,438 |
| Noncurrent loans to loans | 1.4105% | 1,697 |
| Net loans and leases to total assets | 52.0413% | 4,622 |
| Net loans and leases to deposits | 60.1921% | 4,701 |
| Net loans and leases to core deposits | 61.9998% | 4,819 |
| Total domestic deposits to total assets | 86.4586% | 2,469 |
| Equity capital to assets | 11.4749% | 2,463 |
| Core capital (leverage) ratio | 11.3946% | 2,058 |
| Tier 1 risk-based capital ratio | 22.4934% | 1,091 |
| Total risk-based capital ratio | 23.7473% | 1,063 |
| Memoranda: | ||
| Average total assets | $164,428,500 | 3,395 |
| Average earning assets | $157,994,000 | 3,310 |
| Average equity | $18,743,500 | 3,339 |
| Average total loans | $87,844,000 | 3,655 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6247% | 4,606 |
| Cost of funding earning assets | 0.7084% | 782 |
| Net interest margin | 2.9164% | 5,305 |
| Noninterest income to average assets | 0.6175% | 2,633 |
| Noninterest expense to average assets | 2.9019% | 2,856 |
| Loan and lease loss provision to assets | 0.1212% | 1,976 |
| Net operating income to assets | 0.3908% | 5,079 |
| Return on assets (ROA) | 0.3908% | 5,161 |
| Pretax return on assets | 0.3908% | 5,338 |
| Return on Equity (ROE) | 3.4453% | 5,154 |
| Retained earnings to average equity (ytd only) | -0.0267% | 5,519 |
| Net charge-offs to loans | 0.0658% | 2,917 |
| Credit loss provision to net charge-offs | 333.3333% | 897 |
| Earnings coverage of net charge-offs (x) | 14.0833% | 2,322 |
| Efficiency ratio | 85.0018% | 1,088 |
| Assets per employee ($millions) | 3.5787% | 4,678 |
| Cash dividends to net income (ytd only)* | 100.7752% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 2,466 |
| Loan loss allowance to noncurrent loans | 104.6492% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.9045% | 2,401 |
| Noncurrent loans to loans | 1.3295% | 1,773 |
| Net loans and leases to total assets | 53.2997% | 4,563 |
| Net loans and leases to deposits | 61.7771% | 4,648 |
| Net loans and leases to core deposits | 64.3959% | 4,715 |
| Total domestic deposits to total assets | 86.2775% | 2,499 |
| Equity capital to assets | 11.3237% | 2,520 |
| Core capital (leverage) ratio | 11.2047% | 2,212 |
| Tier 1 risk-based capital ratio | 21.4511% | 1,221 |
| Total risk-based capital ratio | 22.7033% | 1,204 |
| Memoranda: | ||
| Average total assets | $165,031,400 | 3,376 |
| Average earning assets | $158,245,600 | 3,276 |
| Average equity | $18,721,000 | 3,293 |
| Average total loans | $91,130,600 | 3,566 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6805% | 4,477 |
| Cost of funding earning assets | 0.7078% | 808 |
| Net interest margin | 2.9727% | 5,264 |
| Noninterest income to average assets | 0.6161% | 2,657 |
| Noninterest expense to average assets | 2.7855% | 3,244 |
| Loan and lease loss provision to assets | 0.1453% | 1,505 |
| Net operating income to assets | 0.5369% | 4,644 |
| Return on assets (ROA) | 0.5369% | 4,744 |
| Pretax return on assets | 0.5369% | 5,133 |
| Return on Equity (ROE) | 4.7310% | 4,742 |
| Retained earnings to average equity (ytd only) | 1.5296% | 5,104 |
| Net charge-offs to loans | 0.0436% | 3,019 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 28.1660% | 1,550 |
| Efficiency ratio | 80.3260% | 1,616 |
| Assets per employee ($millions) | 3.6812% | 4,478 |
| Cash dividends to net income (ytd only)* | 67.6701% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 2,479 |
| Loan loss allowance to noncurrent loans | 98.7342% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.8916% | 2,643 |
| Noncurrent loans to loans | 1.4434% | 1,742 |
| Net loans and leases to total assets | 52.1086% | 4,749 |
| Net loans and leases to deposits | 60.2817% | 4,837 |
| Net loans and leases to core deposits | 61.5159% | 4,970 |
| Total domestic deposits to total assets | 86.4418% | 2,310 |
| Equity capital to assets | 11.4122% | 2,572 |
| Core capital (leverage) ratio | 11.4127% | 2,113 |
| Tier 1 risk-based capital ratio | 22.2128% | 1,162 |
| Total risk-based capital ratio | 23.4658% | 1,141 |
| Memoranda: | ||
| Average total assets | $165,134,250 | 3,407 |
| Average earning assets | $158,414,750 | 3,305 |
| Average equity | $18,741,000 | 3,315 |
| Average total loans | $91,668,250 | 3,588 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 4,500 |
| Cost of funding earning assets | 0.7054% | 818 |
| Net interest margin | 2.9657% | 5,302 |
| Noninterest income to average assets | 0.5165% | 3,255 |
| Noninterest expense to average assets | 2.7013% | 3,591 |
| Loan and lease loss provision to assets | 0.1455% | 1,479 |
| Net operating income to assets | 0.5141% | 4,707 |
| Return on assets (ROA) | 0.5141% | 4,815 |
| Pretax return on assets | 0.5141% | 5,187 |
| Return on Equity (ROE) | 4.5381% | 4,808 |
| Retained earnings to average equity (ytd only) | 1.3272% | 5,018 |
| Net charge-offs to loans | 0.0559% | 2,610 |
| Credit loss provision to net charge-offs | 461.5385% | 665 |
| Earnings coverage of net charge-offs (x) | 20.9231% | 1,698 |
| Efficiency ratio | 80.3752% | 1,702 |
| Assets per employee ($millions) | 3.5653% | 4,690 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 3,056 |
| Loan loss allowance to noncurrent loans | 85.6322% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 0.9786% | 2,570 |
| Noncurrent loans to loans | 1.5580% | 1,696 |
| Net loans and leases to total assets | 53.7524% | 4,582 |
| Net loans and leases to deposits | 62.2357% | 4,686 |
| Net loans and leases to core deposits | 64.4036% | 4,784 |
| Total domestic deposits to total assets | 86.3691% | 2,499 |
| Equity capital to assets | 11.3950% | 2,501 |
| Core capital (leverage) ratio | 11.3575% | 2,115 |
| Tier 1 risk-based capital ratio | 21.6325% | 1,260 |
| Total risk-based capital ratio | 22.8843% | 1,245 |
| Memoranda: | ||
| Average total assets | $164,960,330 | 3,422 |
| Average earning assets | $158,210,000 | 3,327 |
| Average equity | $18,686,330 | 3,339 |
| Average total loans | $93,034,670 | 3,579 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 4,503 |
| Cost of funding earning assets | 0.6996% | 850 |
| Net interest margin | 2.9596% | 5,320 |
| Noninterest income to average assets | 0.4255% | 3,802 |
| Noninterest expense to average assets | 2.6354% | 3,805 |
| Loan and lease loss provision to assets | 0.1451% | 1,402 |
| Net operating income to assets | 0.4884% | 4,741 |
| Return on assets (ROA) | 0.4884% | 4,863 |
| Pretax return on assets | 0.4884% | 5,213 |
| Return on Equity (ROE) | 4.3242% | 4,834 |
| Retained earnings to average equity (ytd only) | 1.1132% | 5,036 |
| Net charge-offs to loans | -0.0717% | 5,704 |
| Credit loss provision to net charge-offs | -352.9412% | 4,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6213% | 1,808 |
| Assets per employee ($millions) | 3.8494% | 4,248 |
| Cash dividends to net income (ytd only)* | 74.2574% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 3,658 |
| Loan loss allowance to noncurrent loans | 83.7491% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 2,666 |
| Noncurrent loans to loans | 1.4985% | 1,886 |
| Net loans and leases to total assets | 55.8541% | 4,217 |
| Net loans and leases to deposits | 64.6310% | 4,301 |
| Net loans and leases to core deposits | 66.2045% | 4,497 |
| Total domestic deposits to total assets | 86.4201% | 2,700 |
| Equity capital to assets | 11.3542% | 2,592 |
| Core capital (leverage) ratio | 11.3015% | 2,155 |
| Tier 1 risk-based capital ratio | 21.0958% | 1,398 |
| Total risk-based capital ratio | 22.4241% | 1,361 |
| Memoranda: | ||
| Average total assets | $165,439,500 | 3,436 |
| Average earning assets | $158,938,500 | 3,337 |
| Average equity | $18,685,500 | 3,371 |
| Average total loans | $94,878,500 | 3,548 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 4,724 |
| Cost of funding earning assets | 0.7221% | 992 |
| Net interest margin | 2.9970% | 5,455 |
| Noninterest income to average assets | 0.4983% | 3,530 |
| Noninterest expense to average assets | 2.5591% | 4,366 |
| Loan and lease loss provision to assets | 0.1355% | 1,932 |
| Net operating income to assets | 0.6785% | 3,995 |
| Return on assets (ROA) | 0.6785% | 4,111 |
| Pretax return on assets | 0.6785% | 4,701 |
| Return on Equity (ROE) | 6.4135% | 3,950 |
| Retained earnings to average equity (ytd only) | 3.3515% | 3,827 |
| Net charge-offs to loans | 0.1133% | 2,897 |
| Credit loss provision to net charge-offs | 211.0092% | 1,169 |
| Earnings coverage of net charge-offs (x) | 12.6789% | 2,347 |
| Efficiency ratio | 75.8687% | 2,524 |
| Assets per employee ($millions) | 4.0330% | 3,876 |
| Cash dividends to net income (ytd only)* | 47.7431% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 4,326 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.0142% | 2,721 |
| Noncurrent loans to loans | 1.5229% | 1,925 |
| Net loans and leases to total assets | 57.4715% | 4,117 |
| Net loans and leases to deposits | 66.3984% | 4,281 |
| Net loans and leases to core deposits | 68.1536% | 4,490 |
| Total domestic deposits to total assets | 86.5556% | 2,536 |
| Equity capital to assets | 11.2346% | 2,660 |
| Core capital (leverage) ratio | 11.1434% | 2,267 |
| Tier 1 risk-based capital ratio | 20.6002% | 1,492 |
| Total risk-based capital ratio | 21.8156% | 1,468 |
| Memoranda: | ||
| Average total assets | $169,787,400 | 3,346 |
| Average earning assets | $162,863,400 | 3,243 |
| Average equity | $17,962,200 | 3,403 |
| Average total loans | $96,185,200 | 3,496 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7504% | 4,711 |
| Cost of funding earning assets | 0.7234% | 1,030 |
| Net interest margin | 3.0270% | 5,447 |
| Noninterest income to average assets | 0.4915% | 3,604 |
| Noninterest expense to average assets | 2.4950% | 4,545 |
| Loan and lease loss provision to assets | 0.1326% | 1,891 |
| Net operating income to assets | 0.7661% | 3,588 |
| Return on assets (ROA) | 0.7661% | 3,686 |
| Pretax return on assets | 0.7661% | 4,481 |
| Return on Equity (ROE) | 7.3521% | 3,526 |
| Retained earnings to average equity (ytd only) | 3.9830% | 3,816 |
| Net charge-offs to loans | 0.0790% | 3,071 |
| Credit loss provision to net charge-offs | 298.2456% | 914 |
| Earnings coverage of net charge-offs (x) | 20.2100% | 1,746 |
| Efficiency ratio | 73.5172% | 2,898 |
| Assets per employee ($millions) | 4.0067% | 3,869 |
| Cash dividends to net income (ytd only)* | 45.8253% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 4,446 |
| Loan loss allowance to noncurrent loans | 68.0824% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 1.0928% | 2,776 |
| Noncurrent loans to loans | 1.7030% | 1,912 |
| Net loans and leases to total assets | 55.2165% | 4,436 |
| Net loans and leases to deposits | 63.5972% | 4,587 |
| Net loans and leases to core deposits | 65.2349% | 4,780 |
| Total domestic deposits to total assets | 86.8222% | 2,409 |
| Equity capital to assets | 10.9209% | 3,045 |
| Core capital (leverage) ratio | 11.0086% | 2,474 |
| Tier 1 risk-based capital ratio | 20.8216% | 1,486 |
| Total risk-based capital ratio | 22.0458% | 1,466 |
| Memoranda: | ||
| Average total assets | $170,895,500 | 3,352 |
| Average earning assets | $163,854,000 | 3,264 |
| Average equity | $17,808,500 | 3,441 |
| Average total loans | $96,199,000 | 3,524 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 4,758 |
| Cost of funding earning assets | 0.7240% | 1,058 |
| Net interest margin | 3.0077% | 5,499 |
| Noninterest income to average assets | 0.4506% | 3,868 |
| Noninterest expense to average assets | 2.4766% | 4,651 |
| Loan and lease loss provision to assets | 0.1281% | 1,925 |
| Net operating income to assets | 0.7289% | 3,680 |
| Return on assets (ROA) | 0.7289% | 3,778 |
| Pretax return on assets | 0.7289% | 4,539 |
| Return on Equity (ROE) | 7.1061% | 3,574 |
| Retained earnings to average equity (ytd only) | 3.2011% | 4,163 |
| Net charge-offs to loans | 0.1816% | 1,945 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 8.3636% | 2,503 |
| Efficiency ratio | 74.2927% | 2,923 |
| Assets per employee ($millions) | 4.0576% | 3,716 |
| Cash dividends to net income (ytd only)* | 54.9521% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 5,157 |
| Loan loss allowance to noncurrent loans | 70.6007% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 0.9752% | 3,118 |
| Noncurrent loans to loans | 1.4716% | 2,350 |
| Net loans and leases to total assets | 55.8356% | 4,308 |
| Net loans and leases to deposits | 64.0977% | 4,483 |
| Net loans and leases to core deposits | 65.7134% | 4,663 |
| Total domestic deposits to total assets | 87.1101% | 2,396 |
| Equity capital to assets | 10.6120% | 3,295 |
| Core capital (leverage) ratio | 10.6543% | 2,766 |
| Tier 1 risk-based capital ratio | 20.4572% | 1,580 |
| Total risk-based capital ratio | 21.5745% | 1,579 |
| Memoranda: | ||
| Average total assets | $171,766,330 | 3,360 |
| Average earning assets | $164,644,330 | 3,260 |
| Average equity | $17,618,670 | 3,460 |
| Average total loans | $96,928,670 | 3,517 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7242% | 4,759 |
| Cost of funding earning assets | 0.7303% | 1,073 |
| Net interest margin | 2.9939% | 5,539 |
| Noninterest income to average assets | 0.2412% | 5,425 |
| Noninterest expense to average assets | 2.4426% | 4,806 |
| Loan and lease loss provision to assets | 0.1160% | 2,026 |
| Net operating income to assets | 0.5544% | 4,437 |
| Return on assets (ROA) | 0.5544% | 4,510 |
| Pretax return on assets | 0.5544% | 4,995 |
| Return on Equity (ROE) | 5.4988% | 4,279 |
| Retained earnings to average equity (ytd only) | 2.0477% | 4,790 |
| Net charge-offs to loans | 0.1192% | 2,009 |
| Credit loss provision to net charge-offs | 172.4138% | 1,150 |
| Earnings coverage of net charge-offs (x) | 9.9655% | 1,900 |
| Efficiency ratio | 78.4650% | 2,417 |
| Assets per employee ($millions) | 4.0421% | 3,843 |
| Cash dividends to net income (ytd only)* | 62.7615% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 5,398 |
| Loan loss allowance to noncurrent loans | 73.1136% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 3,402 |
| Noncurrent loans to loans | 1.4115% | 2,670 |
| Net loans and leases to total assets | 55.0639% | 4,274 |
| Net loans and leases to deposits | 62.8413% | 4,456 |
| Net loans and leases to core deposits | 64.5150% | 4,645 |
| Total domestic deposits to total assets | 87.6238% | 2,442 |
| Equity capital to assets | 10.1289% | 3,683 |
| Core capital (leverage) ratio | 10.4801% | 2,957 |
| Tier 1 risk-based capital ratio | 20.3534% | 1,630 |
| Total risk-based capital ratio | 21.4758% | 1,630 |
| Memoranda: | ||
| Average total assets | $172,439,500 | 3,372 |
| Average earning assets | $165,405,000 | 3,273 |
| Average equity | $17,385,500 | 3,497 |
| Average total loans | $97,316,000 | 3,528 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 5,258 |
| Cost of funding earning assets | 0.9183% | 670 |
| Net interest margin | 2.7384% | 6,090 |
| Noninterest income to average assets | 0.6067% | 3,054 |
| Noninterest expense to average assets | 2.3801% | 5,128 |
| Loan and lease loss provision to assets | 0.2281% | 1,594 |
| Net operating income to assets | 0.6290% | 4,115 |
| Return on assets (ROA) | 0.6911% | 3,935 |
| Pretax return on assets | 0.6911% | 4,577 |
| Return on Equity (ROE) | 6.9050% | 3,614 |
| Retained earnings to average equity (ytd only) | 2.7745% | 4,268 |
| Net charge-offs to loans | 0.2662% | 2,366 |
| Credit loss provision to net charge-offs | 155.0388% | 1,496 |
| Earnings coverage of net charge-offs (x) | 5.8256% | 3,201 |
| Efficiency ratio | 73.5247% | 3,211 |
| Assets per employee ($millions) | 3.9784% | 3,905 |
| Cash dividends to net income (ytd only)* | 59.8185% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 5,582 |
| Loan loss allowance to noncurrent loans | 137.7997% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 4,599 |
| Noncurrent loans to loans | 0.7240% | 4,157 |
| Net loans and leases to total assets | 56.6733% | 4,230 |
| Net loans and leases to deposits | 65.1093% | 4,398 |
| Net loans and leases to core deposits | 66.8835% | 4,628 |
| Total domestic deposits to total assets | 87.0433% | 2,701 |
| Equity capital to assets | 10.0345% | 3,721 |
| Core capital (leverage) ratio | 10.4576% | 2,958 |
| Tier 1 risk-based capital ratio | 20.1101% | 1,629 |
| Total risk-based capital ratio | 21.2012% | 1,640 |
| Memoranda: | ||
| Average total assets | $175,371,000 | 3,331 |
| Average earning assets | $168,456,200 | 3,235 |
| Average equity | $17,552,400 | 3,488 |
| Average total loans | $96,924,800 | 3,534 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6137% | 5,408 |
| Cost of funding earning assets | 0.9699% | 572 |
| Net interest margin | 2.6438% | 6,259 |
| Noninterest income to average assets | 0.7262% | 2,480 |
| Noninterest expense to average assets | 2.2307% | 5,529 |
| Loan and lease loss provision to assets | 0.2871% | 1,198 |
| Net operating income to assets | 0.7481% | 3,610 |
| Return on assets (ROA) | 0.8305% | 3,313 |
| Pretax return on assets | 0.8305% | 4,181 |
| Return on Equity (ROE) | 8.3025% | 2,974 |
| Retained earnings to average equity (ytd only) | 3.5808% | 4,147 |
| Net charge-offs to loans | 0.3310% | 1,888 |
| Credit loss provision to net charge-offs | 158.3333% | 1,491 |
| Earnings coverage of net charge-offs (x) | 5.7084% | 3,122 |
| Efficiency ratio | 68.3017% | 4,037 |
| Assets per employee ($millions) | 3.8538% | 4,121 |
| Cash dividends to net income (ytd only)* | 56.8696% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 5,660 |
| Loan loss allowance to noncurrent loans | 161.4238% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 4,756 |
| Noncurrent loans to loans | 0.6272% | 4,631 |
| Net loans and leases to total assets | 54.9688% | 4,464 |
| Net loans and leases to deposits | 62.7393% | 4,658 |
| Net loans and leases to core deposits | 64.5141% | 4,848 |
| Total domestic deposits to total assets | 87.6146% | 2,353 |
| Equity capital to assets | 10.0841% | 3,788 |
| Core capital (leverage) ratio | 10.2518% | 3,325 |
| Tier 1 risk-based capital ratio | 19.8546% | 1,769 |
| Total risk-based capital ratio | 20.9303% | 1,778 |
| Memoranda: | ||
| Average total assets | $176,446,250 | 3,343 |
| Average earning assets | $169,498,000 | 3,251 |
| Average equity | $17,649,000 | 3,513 |
| Average total loans | $96,674,000 | 3,559 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 5,044 |
| Cost of funding earning assets | 0.9839% | 586 |
| Net interest margin | 2.7479% | 6,099 |
| Noninterest income to average assets | 0.8171% | 2,122 |
| Noninterest expense to average assets | 2.2192% | 5,579 |
| Loan and lease loss provision to assets | 0.3607% | 920 |
| Net operating income to assets | 0.8814% | 2,889 |
| Return on assets (ROA) | 1.0042% | 2,450 |
| Pretax return on assets | 1.0042% | 3,493 |
| Return on Equity (ROE) | 10.0663% | 2,172 |
| Retained earnings to average equity (ytd only) | 4.9823% | 3,068 |
| Net charge-offs to loans | 0.2025% | 2,543 |
| Credit loss provision to net charge-offs | 326.5306% | 799 |
| Earnings coverage of net charge-offs (x) | 11.2449% | 2,066 |
| Efficiency ratio | 64.1159% | 4,854 |
| Assets per employee ($millions) | 4.0236% | 3,739 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 5,426 |
| Loan loss allowance to noncurrent loans | 127.6570% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 4,509 |
| Noncurrent loans to loans | 0.8656% | 4,192 |
| Net loans and leases to total assets | 53.4315% | 4,665 |
| Net loans and leases to deposits | 61.5222% | 4,797 |
| Net loans and leases to core deposits | 62.6733% | 5,040 |
| Total domestic deposits to total assets | 86.8492% | 2,911 |
| Equity capital to assets | 9.7442% | 4,246 |
| Core capital (leverage) ratio | 10.0961% | 3,377 |
| Tier 1 risk-based capital ratio | 20.0031% | 1,718 |
| Total risk-based capital ratio | 21.1803% | 1,703 |
| Memoranda: | ||
| Average total assets | $177,454,330 | 3,343 |
| Average earning assets | $170,751,330 | 3,243 |
| Average equity | $17,702,670 | 3,527 |
| Average total loans | $96,797,670 | 3,568 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7876% | 4,866 |
| Cost of funding earning assets | 0.9983% | 615 |
| Net interest margin | 2.7892% | 6,053 |
| Noninterest income to average assets | 0.9096% | 1,728 |
| Noninterest expense to average assets | 2.1974% | 5,694 |
| Loan and lease loss provision to assets | 0.3827% | 829 |
| Net operating income to assets | 1.0154% | 2,160 |
| Return on assets (ROA) | 1.0019% | 2,334 |
| Pretax return on assets | 1.0019% | 3,347 |
| Return on Equity (ROE) | 9.9283% | 2,093 |
| Retained earnings to average equity (ytd only) | 4.9084% | 3,292 |
| Net charge-offs to loans | 0.2095% | 2,163 |
| Credit loss provision to net charge-offs | 333.3333% | 725 |
| Earnings coverage of net charge-offs (x) | 12.1765% | 1,618 |
| Efficiency ratio | 61.1146% | 5,432 |
| Assets per employee ($millions) | 3.9611% | 4,040 |
| Cash dividends to net income (ytd only)* | 50.5618% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 5,978 |
| Loan loss allowance to noncurrent loans | 99.4786% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.6827% | 4,670 |
| Noncurrent loans to loans | 1.0073% | 4,116 |
| Net loans and leases to total assets | 52.8780% | 4,574 |
| Net loans and leases to deposits | 61.1724% | 4,661 |
| Net loans and leases to core deposits | 62.8903% | 4,860 |
| Total domestic deposits to total assets | 86.4410% | 3,281 |
| Equity capital to assets | 10.1257% | 3,982 |
| Core capital (leverage) ratio | 10.0304% | 3,336 |
| Tier 1 risk-based capital ratio | 20.1033% | 1,742 |
| Total risk-based capital ratio | 21.1844% | 1,762 |
| Memoranda: | ||
| Average total assets | $177,662,500 | 3,376 |
| Average earning assets | $171,086,500 | 3,267 |
| Average equity | $17,928,500 | 3,535 |
| Average total loans | $97,371,000 | 3,578 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1912% | 4,625 |
| Cost of funding earning assets | 1.1015% | 899 |
| Net interest margin | 3.0896% | 5,840 |
| Noninterest income to average assets | 0.7634% | 2,430 |
| Noninterest expense to average assets | 2.2126% | 5,900 |
| Loan and lease loss provision to assets | 0.1232% | 4,078 |
| Net operating income to assets | 1.3651% | 1,166 |
| Return on assets (ROA) | 1.3651% | 1,290 |
| Pretax return on assets | 1.3651% | 2,157 |
| Return on Equity (ROE) | 13.6380% | 1,073 |
| Retained earnings to average equity (ytd only) | 7.6564% | 1,257 |
| Net charge-offs to loans | 0.2978% | 3,156 |
| Credit loss provision to net charge-offs | 73.5192% | 4,054 |
| Earnings coverage of net charge-offs (x) | 8.8780% | 2,339 |
| Efficiency ratio | 59.7854% | 5,577 |
| Assets per employee ($millions) | 4.0244% | 3,897 |
| Cash dividends to net income (ytd only)* | 43.8596% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8389% | 6,410 |
| Loan loss allowance to noncurrent loans | 84.7716% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.7020% | 4,732 |
| Noncurrent loans to loans | 0.9896% | 4,214 |
| Net loans and leases to total assets | 55.7380% | 4,337 |
| Net loans and leases to deposits | 64.5600% | 4,469 |
| Net loans and leases to core deposits | 66.3864% | 4,701 |
| Total domestic deposits to total assets | 86.3352% | 3,183 |
| Equity capital to assets | 10.0568% | 4,097 |
| Core capital (leverage) ratio | 9.9563% | 3,456 |
| Tier 1 risk-based capital ratio | 19.0268% | 1,948 |
| Total risk-based capital ratio | 19.9335% | 2,017 |
| Memoranda: | ||
| Average total assets | $171,199,600 | 3,437 |
| Average earning assets | $162,771,400 | 3,335 |
| Average equity | $17,136,000 | 3,602 |
| Average total loans | $96,374,200 | 3,609 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 4,718 |
| Cost of funding earning assets | 1.1162% | 995 |
| Net interest margin | 3.1116% | 5,911 |
| Noninterest income to average assets | 0.7235% | 2,603 |
| Noninterest expense to average assets | 2.1972% | 5,960 |
| Loan and lease loss provision to assets | 0.0951% | 4,393 |
| Net operating income to assets | 1.3810% | 1,264 |
| Return on assets (ROA) | 1.3810% | 1,397 |
| Pretax return on assets | 1.3810% | 2,298 |
| Return on Equity (ROE) | 13.8139% | 1,147 |
| Retained earnings to average equity (ytd only) | 8.1170% | 1,567 |
| Net charge-offs to loans | 0.0865% | 4,526 |
| Credit loss provision to net charge-offs | 195.1613% | 1,428 |
| Earnings coverage of net charge-offs (x) | 30.3081% | 1,089 |
| Efficiency ratio | 59.8161% | 5,529 |
| Assets per employee ($millions) | 4.0688% | 3,736 |
| Cash dividends to net income (ytd only)* | 41.2400% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 6,091 |
| Loan loss allowance to noncurrent loans | 75.6041% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.9082% | 4,468 |
| Noncurrent loans to loans | 1.3199% | 3,831 |
| Net loans and leases to total assets | 55.0058% | 4,595 |
| Net loans and leases to deposits | 62.4964% | 4,904 |
| Net loans and leases to core deposits | 64.3562% | 5,114 |
| Total domestic deposits to total assets | 88.0143% | 2,036 |
| Equity capital to assets | 10.0150% | 4,474 |
| Core capital (leverage) ratio | 10.0219% | 3,506 |
| Tier 1 risk-based capital ratio | 19.0171% | 2,008 |
| Total risk-based capital ratio | 20.0869% | 2,030 |
| Memoranda: | ||
| Average total assets | $169,730,750 | 3,490 |
| Average earning assets | $160,898,250 | 3,403 |
| Average equity | $16,968,000 | 3,663 |
| Average total loans | $95,584,500 | 3,665 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2855% | 4,625 |
| Cost of funding earning assets | 1.1374% | 1,071 |
| Net interest margin | 3.1480% | 5,867 |
| Noninterest income to average assets | 0.6536% | 2,936 |
| Noninterest expense to average assets | 2.2204% | 5,949 |
| Loan and lease loss provision to assets | 0.1083% | 4,167 |
| Net operating income to assets | 1.3037% | 1,430 |
| Return on assets (ROA) | 1.3037% | 1,582 |
| Pretax return on assets | 1.3037% | 2,544 |
| Return on Equity (ROE) | 13.0487% | 1,353 |
| Retained earnings to average equity (ytd only) | 7.6862% | 1,768 |
| Net charge-offs to loans | 0.0758% | 4,386 |
| Credit loss provision to net charge-offs | 252.7778% | 1,136 |
| Earnings coverage of net charge-offs (x) | 32.9444% | 1,011 |
| Efficiency ratio | 61.1275% | 5,400 |
| Assets per employee ($millions) | 4.0070% | 3,853 |
| Cash dividends to net income (ytd only)* | 41.0959% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 6,164 |
| Loan loss allowance to noncurrent loans | 82.2828% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.8386% | 4,712 |
| Noncurrent loans to loans | 1.2145% | 4,123 |
| Net loans and leases to total assets | 55.5429% | 4,535 |
| Net loans and leases to deposits | 63.0369% | 4,875 |
| Net loans and leases to core deposits | 64.9329% | 5,113 |
| Total domestic deposits to total assets | 88.1116% | 2,068 |
| Equity capital to assets | 9.9505% | 4,416 |
| Core capital (leverage) ratio | 9.8967% | 3,580 |
| Tier 1 risk-based capital ratio | 18.6257% | 2,093 |
| Total risk-based capital ratio | 19.6932% | 2,108 |
| Memoranda: | ||
| Average total assets | $167,988,330 | 3,532 |
| Average earning assets | $158,955,670 | 3,446 |
| Average equity | $16,783,330 | 3,685 |
| Average total loans | $95,043,670 | 3,690 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 5,067 |
| Cost of funding earning assets | 1.1358% | 1,235 |
| Net interest margin | 3.0757% | 6,118 |
| Noninterest income to average assets | 0.5644% | 3,461 |
| Noninterest expense to average assets | 2.1540% | 6,146 |
| Loan and lease loss provision to assets | 0.0965% | 4,143 |
| Net operating income to assets | 1.2663% | 1,553 |
| Return on assets (ROA) | 1.2663% | 1,722 |
| Pretax return on assets | 1.2663% | 2,667 |
| Return on Equity (ROE) | 12.6487% | 1,497 |
| Retained earnings to average equity (ytd only) | 7.2278% | 2,312 |
| Net charge-offs to loans | 0.0807% | 3,686 |
| Credit loss provision to net charge-offs | 210.5263% | 1,293 |
| Earnings coverage of net charge-offs (x) | 29.7368% | 925 |
| Efficiency ratio | 61.2483% | 5,413 |
| Assets per employee ($millions) | 4.0398% | 3,921 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 6,282 |
| Loan loss allowance to noncurrent loans | 81.6827% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.9023% | 4,721 |
| Noncurrent loans to loans | 1.2139% | 4,304 |
| Net loans and leases to total assets | 54.8482% | 4,581 |
| Net loans and leases to deposits | 62.1824% | 4,884 |
| Net loans and leases to core deposits | 64.2301% | 5,084 |
| Total domestic deposits to total assets | 88.2053% | 2,184 |
| Equity capital to assets | 9.8344% | 4,327 |
| Core capital (leverage) ratio | 9.9773% | 3,387 |
| Tier 1 risk-based capital ratio | 18.9017% | 2,022 |
| Total risk-based capital ratio | 19.9700% | 2,042 |
| Memoranda: | ||
| Average total assets | $165,831,000 | 3,584 |
| Average earning assets | $159,181,000 | 3,451 |
| Average equity | $16,602,500 | 3,713 |
| Average total loans | $94,231,500 | 3,731 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5102% | 5,030 |
| Cost of funding earning assets | 1.3563% | 1,214 |
| Net interest margin | 3.1539% | 6,208 |
| Noninterest income to average assets | 0.6277% | 3,016 |
| Noninterest expense to average assets | 2.4803% | 5,531 |
| Loan and lease loss provision to assets | 0.0830% | 5,575 |
| Net operating income to assets | 1.0818% | 1,889 |
| Return on assets (ROA) | 1.0818% | 2,020 |
| Pretax return on assets | 1.0818% | 2,906 |
| Return on Equity (ROE) | 10.6835% | 1,806 |
| Retained earnings to average equity (ytd only) | 6.1112% | 1,954 |
| Net charge-offs to loans | 0.2790% | 4,027 |
| Credit loss provision to net charge-offs | 51.5873% | 5,392 |
| Earnings coverage of net charge-offs (x) | 7.2381% | 2,368 |
| Efficiency ratio | 67.8872% | 4,388 |
| Assets per employee ($millions) | 3.6816% | 4,590 |
| Cash dividends to net income (ytd only)* | 42.7981% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 6,351 |
| Loan loss allowance to noncurrent loans | 84.7442% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.8877% | 4,842 |
| Noncurrent loans to loans | 1.1379% | 4,459 |
| Net loans and leases to total assets | 57.7553% | 4,421 |
| Net loans and leases to deposits | 65.8074% | 4,765 |
| Net loans and leases to core deposits | 68.2360% | 4,998 |
| Total domestic deposits to total assets | 87.7642% | 2,301 |
| Equity capital to assets | 10.1974% | 3,906 |
| Core capital (leverage) ratio | 9.9801% | 3,362 |
| Tier 1 risk-based capital ratio | 18.4798% | 2,053 |
| Total risk-based capital ratio | 19.5184% | 2,082 |
| Memoranda: | ||
| Average total assets | $156,595,000 | 3,685 |
| Average earning assets | $149,814,400 | 3,580 |
| Average equity | $15,856,200 | 3,750 |
| Average total loans | $90,308,200 | 3,844 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 5,500 |
| Cost of funding earning assets | 1.4076% | 1,203 |
| Net interest margin | 3.0217% | 6,542 |
| Noninterest income to average assets | 0.5857% | 3,258 |
| Noninterest expense to average assets | 2.4408% | 5,660 |
| Loan and lease loss provision to assets | 0.0687% | 5,595 |
| Net operating income to assets | 0.9653% | 2,455 |
| Return on assets (ROA) | 0.9653% | 2,624 |
| Pretax return on assets | 0.9653% | 3,536 |
| Return on Equity (ROE) | 9.5512% | 2,368 |
| Retained earnings to average equity (ytd only) | 5.0900% | 3,116 |
| Net charge-offs to loans | 0.2688% | 3,760 |
| Credit loss provision to net charge-offs | 44.4444% | 5,156 |
| Earnings coverage of net charge-offs (x) | 6.6890% | 2,507 |
| Efficiency ratio | 70.0198% | 3,956 |
| Assets per employee ($millions) | 3.6889% | 4,558 |
| Cash dividends to net income (ytd only)* | 46.7080% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 6,126 |
| Loan loss allowance to noncurrent loans | 90.9357% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.9168% | 4,914 |
| Noncurrent loans to loans | 1.1319% | 4,653 |
| Net loans and leases to total assets | 55.2719% | 4,961 |
| Net loans and leases to deposits | 62.8370% | 5,313 |
| Net loans and leases to core deposits | 65.0160% | 5,521 |
| Total domestic deposits to total assets | 87.9608% | 2,054 |
| Equity capital to assets | 9.9574% | 4,399 |
| Core capital (leverage) ratio | 9.8759% | 3,609 |
| Tier 1 risk-based capital ratio | 18.7272% | 2,016 |
| Total risk-based capital ratio | 19.8304% | 2,025 |
| Memoranda: | ||
| Average total assets | $155,245,750 | 3,737 |
| Average earning assets | $148,432,500 | 3,625 |
| Average equity | $15,690,500 | 3,790 |
| Average total loans | $89,267,750 | 3,917 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3749% | 5,775 |
| Cost of funding earning assets | 1.4158% | 1,346 |
| Net interest margin | 2.9590% | 6,677 |
| Noninterest income to average assets | 0.5873% | 3,208 |
| Noninterest expense to average assets | 2.5024% | 5,525 |
| Loan and lease loss provision to assets | 0.1047% | 5,002 |
| Net operating income to assets | 0.8071% | 3,039 |
| Return on assets (ROA) | 0.8071% | 3,160 |
| Pretax return on assets | 0.8071% | 4,000 |
| Return on Equity (ROE) | 7.9442% | 2,968 |
| Retained earnings to average equity (ytd only) | 3.7597% | 3,823 |
| Net charge-offs to loans | 0.2995% | 3,373 |
| Credit loss provision to net charge-offs | 60.1504% | 4,336 |
| Earnings coverage of net charge-offs (x) | 5.2406% | 2,657 |
| Efficiency ratio | 73.0651% | 3,528 |
| Assets per employee ($millions) | 3.4988% | 4,943 |
| Cash dividends to net income (ytd only)* | 52.6742% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,996 |
| Loan loss allowance to noncurrent loans | 68.7237% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.2595% | 4,375 |
| Noncurrent loans to loans | 1.5870% | 4,017 |
| Net loans and leases to total assets | 56.4492% | 4,913 |
| Net loans and leases to deposits | 64.2133% | 5,240 |
| Net loans and leases to core deposits | 66.0864% | 5,505 |
| Total domestic deposits to total assets | 87.9089% | 2,199 |
| Equity capital to assets | 9.9837% | 4,171 |
| Core capital (leverage) ratio | 9.9784% | 3,287 |
| Tier 1 risk-based capital ratio | 18.5900% | 1,970 |
| Total risk-based capital ratio | 19.7632% | 1,958 |
| Memoranda: | ||
| Average total assets | $152,890,330 | 3,804 |
| Average earning assets | $146,061,670 | 3,689 |
| Average equity | $15,533,330 | 3,813 |
| Average total loans | $88,808,330 | 3,970 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3781% | 5,766 |
| Cost of funding earning assets | 1.4157% | 1,535 |
| Net interest margin | 2.9624% | 6,652 |
| Noninterest income to average assets | 0.5126% | 3,784 |
| Noninterest expense to average assets | 2.5416% | 5,418 |
| Loan and lease loss provision to assets | 0.1062% | 4,685 |
| Net operating income to assets | 0.6879% | 3,565 |
| Return on assets (ROA) | 0.6879% | 3,635 |
| Pretax return on assets | 0.6879% | 4,351 |
| Return on Equity (ROE) | 6.7096% | 3,527 |
| Retained earnings to average equity (ytd only) | 3.4714% | 4,105 |
| Net charge-offs to loans | 0.2447% | 3,107 |
| Credit loss provision to net charge-offs | 74.0741% | 3,277 |
| Earnings coverage of net charge-offs (x) | 5.5370% | 2,264 |
| Efficiency ratio | 75.9554% | 3,171 |
| Assets per employee ($millions) | 3.2008% | 5,710 |
| Cash dividends to net income (ytd only)* | 48.2625% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 5,720 |
| Loan loss allowance to noncurrent loans | 47.3733% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 1.8804% | 3,457 |
| Noncurrent loans to loans | 2.4902% | 3,001 |
| Net loans and leases to total assets | 55.5595% | 5,068 |
| Net loans and leases to deposits | 63.2177% | 5,359 |
| Net loans and leases to core deposits | 64.4385% | 5,685 |
| Total domestic deposits to total assets | 87.8859% | 2,434 |
| Equity capital to assets | 9.9877% | 3,788 |
| Core capital (leverage) ratio | 10.1869% | 2,940 |
| Tier 1 risk-based capital ratio | 18.8747% | 1,836 |
| Total risk-based capital ratio | 20.1263% | 1,801 |
| Memoranda: | ||
| Average total assets | $150,612,500 | 3,869 |
| Average earning assets | $143,533,500 | 3,761 |
| Average equity | $15,440,500 | 3,821 |
| Average total loans | $88,284,000 | 4,010 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0830% | 4,177 |
| Cost of funding earning assets | 1.6803% | 1,685 |
| Net interest margin | 3.4027% | 5,624 |
| Noninterest income to average assets | 0.8799% | 1,921 |
| Noninterest expense to average assets | 2.8841% | 4,302 |
| Loan and lease loss provision to assets | 0.3029% | 4,383 |
| Net operating income to assets | 0.9288% | 2,283 |
| Return on assets (ROA) | 0.9295% | 2,409 |
| Pretax return on assets | 0.9295% | 3,162 |
| Return on Equity (ROE) | 8.9183% | 2,328 |
| Retained earnings to average equity (ytd only) | 4.6243% | 2,649 |
| Net charge-offs to loans | 0.3272% | 4,372 |
| Credit loss provision to net charge-offs | 152.2491% | 2,358 |
| Earnings coverage of net charge-offs (x) | 6.1903% | 2,415 |
| Efficiency ratio | 69.8729% | 4,201 |
| Assets per employee ($millions) | 2.9517% | 6,207 |
| Cash dividends to net income (ytd only)* | 48.1481% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 5,757 |
| Loan loss allowance to noncurrent loans | 58.7265% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.4981% | 4,071 |
| Noncurrent loans to loans | 1.9504% | 3,632 |
| Net loans and leases to total assets | 60.4088% | 4,603 |
| Net loans and leases to deposits | 69.3128% | 4,908 |
| Net loans and leases to core deposits | 71.0138% | 5,329 |
| Total domestic deposits to total assets | 87.1539% | 2,743 |
| Equity capital to assets | 10.5267% | 3,132 |
| Core capital (leverage) ratio | 10.1728% | 2,897 |
| Tier 1 risk-based capital ratio | 18.4674% | 1,853 |
| Total risk-based capital ratio | 19.7199% | 1,816 |
| Memoranda: | ||
| Average total assets | $145,243,400 | 3,963 |
| Average earning assets | $138,127,200 | 3,854 |
| Average equity | $15,137,400 | 3,920 |
| Average total loans | $88,328,000 | 4,098 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1162% | 4,235 |
| Cost of funding earning assets | 1.7222% | 1,757 |
| Net interest margin | 3.3940% | 5,702 |
| Noninterest income to average assets | 0.8627% | 1,944 |
| Noninterest expense to average assets | 2.8480% | 4,287 |
| Loan and lease loss provision to assets | 0.2949% | 4,220 |
| Net operating income to assets | 0.9475% | 2,422 |
| Return on assets (ROA) | 0.9484% | 2,552 |
| Pretax return on assets | 0.9484% | 3,374 |
| Return on Equity (ROE) | 9.1235% | 2,448 |
| Retained earnings to average equity (ytd only) | 5.1336% | 2,890 |
| Net charge-offs to loans | 0.2838% | 4,243 |
| Credit loss provision to net charge-offs | 171.1230% | 2,165 |
| Earnings coverage of net charge-offs (x) | 7.2085% | 2,369 |
| Efficiency ratio | 69.4232% | 4,186 |
| Assets per employee ($millions) | 2.9780% | 6,196 |
| Cash dividends to net income (ytd only)* | 43.7320% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 5,879 |
| Loan loss allowance to noncurrent loans | 72.5518% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.4043% | 4,345 |
| Noncurrent loans to loans | 1.5363% | 4,336 |
| Net loans and leases to total assets | 60.4733% | 4,823 |
| Net loans and leases to deposits | 69.3045% | 5,235 |
| Net loans and leases to core deposits | 70.8393% | 5,661 |
| Total domestic deposits to total assets | 87.2574% | 2,396 |
| Equity capital to assets | 10.3645% | 3,684 |
| Core capital (leverage) ratio | 10.2693% | 2,956 |
| Tier 1 risk-based capital ratio | 18.2232% | 1,959 |
| Total risk-based capital ratio | 19.4475% | 1,926 |
| Memoranda: | ||
| Average total assets | $144,657,750 | 4,025 |
| Average earning assets | $137,572,000 | 3,910 |
| Average equity | $15,037,750 | 3,980 |
| Average total loans | $87,863,000 | 4,176 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1785% | 4,054 |
| Cost of funding earning assets | 1.7648% | 1,792 |
| Net interest margin | 3.4137% | 5,586 |
| Noninterest income to average assets | 0.8559% | 1,855 |
| Noninterest expense to average assets | 2.8776% | 4,157 |
| Loan and lease loss provision to assets | 0.2513% | 4,411 |
| Net operating income to assets | 0.9732% | 2,288 |
| Return on assets (ROA) | 0.9732% | 2,367 |
| Pretax return on assets | 0.9732% | 3,226 |
| Return on Equity (ROE) | 9.3519% | 2,332 |
| Retained earnings to average equity (ytd only) | 5.3267% | 2,710 |
| Net charge-offs to loans | 0.2581% | 4,057 |
| Credit loss provision to net charge-offs | 160.7143% | 2,450 |
| Earnings coverage of net charge-offs (x) | 7.8304% | 2,228 |
| Efficiency ratio | 69.9455% | 4,200 |
| Assets per employee ($millions) | 2.8679% | 6,418 |
| Cash dividends to net income (ytd only)* | 43.0416% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 6,064 |
| Loan loss allowance to noncurrent loans | 51.8842% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 1.5916% | 4,064 |
| Noncurrent loans to loans | 2.0704% | 3,632 |
| Net loans and leases to total assets | 59.8134% | 5,097 |
| Net loans and leases to deposits | 68.6434% | 5,465 |
| Net loans and leases to core deposits | 70.1645% | 5,858 |
| Total domestic deposits to total assets | 87.1364% | 2,463 |
| Equity capital to assets | 10.4728% | 3,443 |
| Core capital (leverage) ratio | 10.3153% | 2,810 |
| Tier 1 risk-based capital ratio | 18.5104% | 1,828 |
| Total risk-based capital ratio | 19.6889% | 1,821 |
| Memoranda: | ||
| Average total assets | $143,243,000 | 4,068 |
| Average earning assets | $136,217,000 | 3,967 |
| Average equity | $14,906,000 | 4,008 |
| Average total loans | $86,797,000 | 4,233 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1756% | 4,158 |
| Cost of funding earning assets | 1.8242% | 1,776 |
| Net interest margin | 3.3514% | 5,780 |
| Noninterest income to average assets | 0.6660% | 2,840 |
| Noninterest expense to average assets | 2.7855% | 4,540 |
| Loan and lease loss provision to assets | 0.1693% | 4,835 |
| Net operating income to assets | 0.8946% | 2,566 |
| Return on assets (ROA) | 0.8946% | 2,638 |
| Pretax return on assets | 0.8946% | 3,493 |
| Return on Equity (ROE) | 8.6259% | 2,619 |
| Retained earnings to average equity (ytd only) | 4.5442% | 3,427 |
| Net charge-offs to loans | 0.1349% | 4,138 |
| Credit loss provision to net charge-offs | 206.8966% | 1,800 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,525 |
| Efficiency ratio | 72.1408% | 3,909 |
| Assets per employee ($millions) | 2.9247% | 6,390 |
| Cash dividends to net income (ytd only)* | 47.3186% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 6,179 |
| Loan loss allowance to noncurrent loans | 52.2910% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 1.4674% | 4,305 |
| Noncurrent loans to loans | 2.0294% | 3,747 |
| Net loans and leases to total assets | 59.3967% | 5,224 |
| Net loans and leases to deposits | 68.1805% | 5,563 |
| Net loans and leases to core deposits | 69.2578% | 5,977 |
| Total domestic deposits to total assets | 87.1168% | 2,571 |
| Equity capital to assets | 10.3935% | 3,352 |
| Core capital (leverage) ratio | 10.4099% | 2,708 |
| Tier 1 risk-based capital ratio | 18.9115% | 1,737 |
| Total risk-based capital ratio | 20.0870% | 1,722 |
| Memoranda: | ||
| Average total assets | $141,732,000 | 4,163 |
| Average earning assets | $134,632,000 | 4,066 |
| Average equity | $14,700,000 | 4,080 |
| Average total loans | $85,977,500 | 4,322 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6248% | 3,470 |
| Cost of funding earning assets | 2.3129% | 1,601 |
| Net interest margin | 3.3119% | 5,698 |
| Noninterest income to average assets | 1.1060% | 1,254 |
| Noninterest expense to average assets | 3.0813% | 3,828 |
| Loan and lease loss provision to assets | 0.2194% | 5,609 |
| Net operating income to assets | 0.9630% | 1,973 |
| Return on assets (ROA) | 0.9456% | 2,075 |
| Pretax return on assets | 0.9456% | 2,773 |
| Return on Equity (ROE) | 8.6571% | 2,142 |
| Retained earnings to average equity (ytd only) | 5.0211% | 1,809 |
| Net charge-offs to loans | 0.3574% | 4,442 |
| Credit loss provision to net charge-offs | 92.6518% | 5,908 |
| Earnings coverage of net charge-offs (x) | 4.9936% | 2,723 |
| Efficiency ratio | 72.0546% | 4,252 |
| Assets per employee ($millions) | 2.8603% | 6,541 |
| Cash dividends to net income (ytd only)* | 42.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 6,232 |
| Loan loss allowance to noncurrent loans | 58.1794% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 1.3300% | 4,437 |
| Noncurrent loans to loans | 1.7644% | 3,988 |
| Net loans and leases to total assets | 60.6751% | 5,240 |
| Net loans and leases to deposits | 69.5909% | 5,659 |
| Net loans and leases to core deposits | 80.6024% | 6,028 |
| Total domestic deposits to total assets | 87.1883% | 2,395 |
| Equity capital to assets | 10.3494% | 3,340 |
| Core capital (leverage) ratio | 10.4919% | 2,616 |
| Tier 1 risk-based capital ratio | 18.5106% | 1,748 |
| Total risk-based capital ratio | 19.6320% | 1,741 |
| Memoranda: | ||
| Average total assets | $132,184,600 | 4,295 |
| Average earning assets | $126,031,600 | 4,173 |
| Average equity | $14,439,000 | 4,163 |
| Average total loans | $87,587,200 | 4,281 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6654% | 3,496 |
| Cost of funding earning assets | 2.3842% | 1,688 |
| Net interest margin | 3.2812% | 5,711 |
| Noninterest income to average assets | 1.1071% | 1,287 |
| Noninterest expense to average assets | 3.0559% | 3,819 |
| Loan and lease loss provision to assets | 0.1843% | 5,523 |
| Net operating income to assets | 0.9985% | 2,062 |
| Return on assets (ROA) | 1.0292% | 2,031 |
| Pretax return on assets | 1.0292% | 2,810 |
| Return on Equity (ROE) | 9.2908% | 2,164 |
| Retained earnings to average equity (ytd only) | 6.0552% | 1,922 |
| Net charge-offs to loans | 0.3591% | 3,851 |
| Credit loss provision to net charge-offs | 75.9494% | 5,864 |
| Earnings coverage of net charge-offs (x) | 4.8734% | 2,987 |
| Efficiency ratio | 71.8773% | 4,265 |
| Assets per employee ($millions) | 2.8468% | 6,542 |
| Cash dividends to net income (ytd only)* | 34.8262% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 6,443 |
| Loan loss allowance to noncurrent loans | 91.6757% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.9601% | 5,142 |
| Noncurrent loans to loans | 1.0584% | 5,202 |
| Net loans and leases to total assets | 63.3372% | 5,008 |
| Net loans and leases to deposits | 72.9872% | 5,513 |
| Net loans and leases to core deposits | 85.6285% | 5,901 |
| Total domestic deposits to total assets | 86.7784% | 2,291 |
| Equity capital to assets | 10.7129% | 3,277 |
| Core capital (leverage) ratio | 10.8641% | 2,515 |
| Tier 1 risk-based capital ratio | 18.6744% | 1,825 |
| Total risk-based capital ratio | 19.7677% | 1,807 |
| Memoranda: | ||
| Average total assets | $130,192,500 | 4,369 |
| Average earning assets | $124,260,250 | 4,237 |
| Average equity | $14,422,500 | 4,205 |
| Average total loans | $88,004,000 | 4,309 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8496% | 2,804 |
| Cost of funding earning assets | 2.4358% | 1,825 |
| Net interest margin | 3.4138% | 5,117 |
| Noninterest income to average assets | 1.3136% | 889 |
| Noninterest expense to average assets | 3.1646% | 3,457 |
| Loan and lease loss provision to assets | 0.1874% | 5,157 |
| Net operating income to assets | 1.2168% | 1,434 |
| Return on assets (ROA) | 1.2215% | 1,499 |
| Pretax return on assets | 1.2215% | 2,239 |
| Return on Equity (ROE) | 10.8987% | 1,728 |
| Retained earnings to average equity (ytd only) | 7.4145% | 1,429 |
| Net charge-offs to loans | 0.3265% | 3,547 |
| Credit loss provision to net charge-offs | 83.3333% | 5,103 |
| Earnings coverage of net charge-offs (x) | 6.2431% | 2,659 |
| Efficiency ratio | 69.0598% | 4,971 |
| Assets per employee ($millions) | 2.5498% | 7,145 |
| Cash dividends to net income (ytd only)* | 31.9693% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 5,996 |
| Loan loss allowance to noncurrent loans | 74.4088% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.3488% | 4,258 |
| Noncurrent loans to loans | 1.3890% | 4,433 |
| Net loans and leases to total assets | 64.8711% | 4,788 |
| Net loans and leases to deposits | 75.1595% | 5,295 |
| Net loans and leases to core deposits | 87.9408% | 5,730 |
| Total domestic deposits to total assets | 86.3112% | 2,615 |
| Equity capital to assets | 11.1334% | 2,807 |
| Core capital (leverage) ratio | 11.1106% | 2,323 |
| Tier 1 risk-based capital ratio | 19.4453% | 1,689 |
| Total risk-based capital ratio | 20.6384% | 1,661 |
| Memoranda: | ||
| Average total assets | $128,040,670 | 4,432 |
| Average earning assets | $122,093,670 | 4,317 |
| Average equity | $14,350,330 | 4,229 |
| Average total loans | $88,206,330 | 4,331 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9449% | 2,583 |
| Cost of funding earning assets | 2.4770% | 2,003 |
| Net interest margin | 3.4679% | 4,860 |
| Noninterest income to average assets | 1.3224% | 818 |
| Noninterest expense to average assets | 3.0699% | 3,491 |
| Loan and lease loss provision to assets | 0.1889% | 4,553 |
| Net operating income to assets | 1.3696% | 1,209 |
| Return on assets (ROA) | 1.3696% | 1,301 |
| Pretax return on assets | 1.3696% | 2,057 |
| Return on Equity (ROE) | 12.1793% | 1,609 |
| Retained earnings to average equity (ytd only) | 8.6795% | 1,573 |
| Net charge-offs to loans | 0.3389% | 2,731 |
| Credit loss provision to net charge-offs | 78.9474% | 4,206 |
| Earnings coverage of net charge-offs (x) | 6.5132% | 2,489 |
| Efficiency ratio | 66.1224% | 5,308 |
| Assets per employee ($millions) | 2.8705% | 6,472 |
| Cash dividends to net income (ytd only)* | 28.7356% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 6,216 |
| Loan loss allowance to noncurrent loans | 64.5606% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.3850% | 3,871 |
| Noncurrent loans to loans | 1.5420% | 3,969 |
| Net loans and leases to total assets | 68.4429% | 4,033 |
| Net loans and leases to deposits | 79.5095% | 4,688 |
| Net loans and leases to core deposits | 94.7669% | 5,083 |
| Total domestic deposits to total assets | 86.0813% | 2,668 |
| Equity capital to assets | 11.1812% | 2,826 |
| Core capital (leverage) ratio | 11.1089% | 2,419 |
| Tier 1 risk-based capital ratio | 18.6521% | 1,891 |
| Total risk-based capital ratio | 19.8253% | 1,863 |
| Memoranda: | ||
| Average total assets | $127,040,500 | 4,463 |
| Average earning assets | $121,112,500 | 4,354 |
| Average equity | $14,286,500 | 4,272 |
| Average total loans | $89,689,500 | 4,323 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6203% | 2,385 |
| Cost of funding earning assets | 3.0118% | 1,833 |
| Net interest margin | 3.6085% | 4,842 |
| Noninterest income to average assets | 0.8782% | 2,064 |
| Noninterest expense to average assets | 2.9655% | 4,201 |
| Loan and lease loss provision to assets | 0.2692% | 4,246 |
| Net operating income to assets | 1.0484% | 2,358 |
| Return on assets (ROA) | 0.5820% | 4,251 |
| Pretax return on assets | 0.5820% | 4,751 |
| Return on Equity (ROE) | 5.2376% | 4,267 |
| Retained earnings to average equity (ytd only) | 1.9881% | 3,996 |
| Net charge-offs to loans | 0.3347% | 3,165 |
| Credit loss provision to net charge-offs | 113.7124% | 4,747 |
| Earnings coverage of net charge-offs (x) | 5.5652% | 3,605 |
| Efficiency ratio | 69.0146% | 4,530 |
| Assets per employee ($millions) | 2.8388% | 6,471 |
| Cash dividends to net income (ytd only)* | 62.0408% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 6,004 |
| Loan loss allowance to noncurrent loans | 82.7996% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.2721% | 3,678 |
| Noncurrent loans to loans | 1.2134% | 4,092 |
| Net loans and leases to total assets | 71.3928% | 3,710 |
| Net loans and leases to deposits | 83.1036% | 4,566 |
| Net loans and leases to core deposits | 101.5603% | 4,662 |
| Total domestic deposits to total assets | 85.9081% | 2,443 |
| Equity capital to assets | 11.3122% | 2,792 |
| Core capital (leverage) ratio | 11.0250% | 2,575 |
| Tier 1 risk-based capital ratio | 18.3678% | 1,944 |
| Total risk-based capital ratio | 19.5705% | 1,905 |
| Memoranda: | ||
| Average total assets | $126,285,400 | 4,365 |
| Average earning assets | $119,163,400 | 4,282 |
| Average equity | $14,033,200 | 4,332 |
| Average total loans | $89,335,400 | 4,250 |