Home > The Bank of Clarendon > Performance and Condition Ratios
The Bank of Clarendon, 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 | 4.1551% | 3,714 |
| Cost of funding earning assets | 0.6415% | 4,012 |
| Net interest margin | 3.5135% | 2,151 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.4713% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1802% | 1,696 |
| Return on assets (ROA) | 1.1802% | 1,670 |
| Pretax return on assets | 1.4348% | 1,562 |
| Return on Equity (ROE) | 12.0000% | 1,953 |
| Retained earnings to average equity (ytd only) | 8.7969% | 1,306 |
| Net charge-offs to loans | 0.0016% | 2,768 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,846.3333% | 87 |
| Efficiency ratio | 63.2668% | 2,698 |
| Assets per employee ($millions) | 6.8217% | 2,192 |
| Cash dividends to net income (ytd only)* | 26.7120% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 3,800 |
| Loan loss allowance to noncurrent loans | 2,315.2778% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 2,783 |
| Noncurrent loans to loans | 0.0377% | 3,457 |
| Net loans and leases to total assets | 49.5000% | 3,625 |
| Net loans and leases to deposits | 55.7728% | 3,721 |
| Net loans and leases to core deposits | 59.6129% | 3,773 |
| Total domestic deposits to total assets | 88.7500% | 1,138 |
| Equity capital to assets | 10.4462% | 1,753 |
| Core capital (leverage) ratio | 12.4217% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $386,038,400 | 2,056 |
| Average earning assets | $359,921,600 | 2,043 |
| Average equity | $37,956,400 | 1,941 |
| Average total loans | $186,470,200 | 2,381 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 3,658 |
| Cost of funding earning assets | 0.5469% | 4,064 |
| Net interest margin | 3.5555% | 2,100 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.2956% | 2,806 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3304% | 1,471 |
| Return on assets (ROA) | 1.3304% | 1,454 |
| Pretax return on assets | 1.6470% | 1,267 |
| Return on Equity (ROE) | 13.7400% | 1,722 |
| Retained earnings to average equity (ytd only) | 12.2160% | 936 |
| Net charge-offs to loans | -0.0022% | 3,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.2263% | 3,179 |
| Assets per employee ($millions) | 6.5909% | 2,252 |
| Cash dividends to net income (ytd only)* | 11.1082% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 3,767 |
| Loan loss allowance to noncurrent loans | 1,169.9301% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 2,545 |
| Noncurrent loans to loans | 0.0759% | 3,214 |
| Net loans and leases to total assets | 50.6000% | 3,578 |
| Net loans and leases to deposits | 56.8146% | 3,669 |
| Net loans and leases to core deposits | 59.7786% | 3,716 |
| Total domestic deposits to total assets | 89.0600% | 1,223 |
| Equity capital to assets | 10.1465% | 1,741 |
| Core capital (leverage) ratio | 12.4563% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $387,044,000 | 2,051 |
| Average earning assets | $361,082,750 | 2,038 |
| Average equity | $37,469,000 | 1,949 |
| Average total loans | $185,399,750 | 2,395 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 3,666 |
| Cost of funding earning assets | 0.4382% | 4,101 |
| Net interest margin | 3.5712% | 2,099 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.2579% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3785% | 1,385 |
| Return on assets (ROA) | 1.3785% | 1,362 |
| Pretax return on assets | 1.7093% | 1,190 |
| Return on Equity (ROE) | 14.4600% | 1,588 |
| Retained earnings to average equity (ytd only) | 12.9258% | 818 |
| Net charge-offs to loans | -0.0033% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.9138% | 3,313 |
| Assets per employee ($millions) | 6.8571% | 2,034 |
| Cash dividends to net income (ytd only)* | 10.5943% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 3,782 |
| Loan loss allowance to noncurrent loans | 1,798.9247% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 2,616 |
| Noncurrent loans to loans | 0.0501% | 3,352 |
| Net loans and leases to total assets | 47.0500% | 3,739 |
| Net loans and leases to deposits | 52.5114% | 3,816 |
| Net loans and leases to core deposits | 54.5413% | 3,866 |
| Total domestic deposits to total assets | 89.6000% | 1,051 |
| Equity capital to assets | 9.7120% | 2,025 |
| Core capital (leverage) ratio | 11.8330% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $393,028,333 | 2,030 |
| Average earning assets | $367,441,000 | 2,021 |
| Average equity | $37,475,333 | 1,959 |
| Average total loans | $184,391,000 | 2,397 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 3,636 |
| Cost of funding earning assets | 0.3403% | 4,107 |
| Net interest margin | 3.5784% | 2,173 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.2085% | 3,079 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4646% | 1,251 |
| Return on assets (ROA) | 1.4646% | 1,227 |
| Pretax return on assets | 1.7741% | 1,119 |
| Return on Equity (ROE) | 15.5000% | 1,461 |
| Retained earnings to average equity (ytd only) | 13.9554% | 946 |
| Net charge-offs to loans | -0.0022% | 3,442 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.4536% | 3,462 |
| Assets per employee ($millions) | 7.0434% | 1,949 |
| Cash dividends to net income (ytd only)* | 9.9792% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 3,839 |
| Loan loss allowance to noncurrent loans | 1,687.8788% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 2,580 |
| Noncurrent loans to loans | 0.0537% | 3,353 |
| Net loans and leases to total assets | 46.3400% | 3,759 |
| Net loans and leases to deposits | 51.7028% | 3,807 |
| Net loans and leases to core deposits | 53.0813% | 3,866 |
| Total domestic deposits to total assets | 89.6300% | 1,289 |
| Equity capital to assets | 9.6780% | 2,014 |
| Core capital (leverage) ratio | 11.4040% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $394,114,000 | 2,063 |
| Average earning assets | $369,100,000 | 2,041 |
| Average equity | $37,233,000 | 1,998 |
| Average total loans | $183,801,000 | 2,423 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2770% | 3,648 |
| Cost of funding earning assets | 0.1185% | 4,290 |
| Net interest margin | 3.1586% | 2,995 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.3075% | 2,707 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0607% | 2,333 |
| Return on assets (ROA) | 1.0607% | 2,276 |
| Pretax return on assets | 1.3055% | 2,067 |
| Return on Equity (ROE) | 10.8800% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.1889% | 1,758 |
| Net charge-offs to loans | -0.0017% | 3,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.8166% | 2,521 |
| Assets per employee ($millions) | 6.7896% | 2,127 |
| Cash dividends to net income (ytd only)* | 24.7612% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 3,474 |
| Loan loss allowance to noncurrent loans | 1,458.5366% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 2,556 |
| Noncurrent loans to loans | 0.0672% | 3,264 |
| Net loans and leases to total assets | 46.0500% | 3,797 |
| Net loans and leases to deposits | 51.1122% | 3,853 |
| Net loans and leases to core deposits | 52.4583% | 3,891 |
| Total domestic deposits to total assets | 90.1000% | 1,320 |
| Equity capital to assets | 9.2161% | 2,216 |
| Core capital (leverage) ratio | 11.2761% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $384,919,400 | 2,084 |
| Average earning assets | $361,332,800 | 2,064 |
| Average equity | $37,514,200 | 2,019 |
| Average total loans | $171,831,400 | 2,440 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0979% | 3,683 |
| Cost of funding earning assets | 0.1016% | 4,269 |
| Net interest margin | 2.9963% | 3,228 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.1531% | 3,065 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0591% | 2,256 |
| Return on assets (ROA) | 1.0591% | 2,221 |
| Pretax return on assets | 1.3072% | 2,027 |
| Return on Equity (ROE) | 10.7200% | 2,495 |
| Retained earnings to average equity (ytd only) | 9.1943% | 1,580 |
| Net charge-offs to loans | -0.0024% | 3,299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.1543% | 2,810 |
| Assets per employee ($millions) | 6.6286% | 2,219 |
| Cash dividends to net income (ytd only)* | 14.2105% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,293 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.1363% | 2,650 |
| Noncurrent loans to loans | 0.0401% | 3,602 |
| Net loans and leases to total assets | 44.3000% | 3,856 |
| Net loans and leases to deposits | 49.0571% | 3,911 |
| Net loans and leases to core deposits | 50.3032% | 3,928 |
| Total domestic deposits to total assets | 90.3000% | 1,527 |
| Equity capital to assets | 9.0618% | 2,169 |
| Core capital (leverage) ratio | 11.1378% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $382,699,500 | 2,109 |
| Average earning assets | $359,417,000 | 2,083 |
| Average equity | $37,819,500 | 2,029 |
| Average total loans | $169,003,250 | 2,463 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9249% | 3,728 |
| Cost of funding earning assets | 0.0971% | 4,218 |
| Net interest margin | 2.8278% | 3,358 |
| Noninterest income to average assets | 0.6495% | 1,543 |
| Noninterest expense to average assets | 2.1324% | 3,057 |
| Loan and lease loss provision to assets | 0.0058% | 2,497 |
| Net operating income to assets | 0.9735% | 2,249 |
| Return on assets (ROA) | 0.9735% | 2,222 |
| Pretax return on assets | 1.1646% | 2,191 |
| Return on Equity (ROE) | 9.5844% | 2,493 |
| Retained earnings to average equity (ytd only) | 8.1004% | 1,580 |
| Net charge-offs to loans | -0.0012% | 3,058 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5642% | 2,700 |
| Assets per employee ($millions) | 6.5112% | 2,307 |
| Cash dividends to net income (ytd only)* | 15.4839% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 3,420 |
| Loan loss allowance to noncurrent loans | 3,318.5185% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 2,781 |
| Noncurrent loans to loans | 0.0314% | 3,717 |
| Net loans and leases to total assets | 44.3196% | 3,811 |
| Net loans and leases to deposits | 49.1946% | 3,853 |
| Net loans and leases to core deposits | 50.2979% | 3,921 |
| Total domestic deposits to total assets | 90.0904% | 1,675 |
| Equity capital to assets | 9.3468% | 2,132 |
| Core capital (leverage) ratio | 11.0637% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $382,112,333 | 2,119 |
| Average earning assets | $358,509,667 | 2,110 |
| Average equity | $38,813,000 | 2,050 |
| Average total loans | $167,967,000 | 2,483 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7881% | 3,766 |
| Cost of funding earning assets | 0.0972% | 4,168 |
| Net interest margin | 2.6909% | 3,426 |
| Noninterest income to average assets | 0.6361% | 1,548 |
| Noninterest expense to average assets | 2.0783% | 3,224 |
| Loan and lease loss provision to assets | 0.0010% | 2,276 |
| Net operating income to assets | 0.9415% | 2,104 |
| Return on assets (ROA) | 0.9415% | 2,097 |
| Pretax return on assets | 1.0853% | 2,189 |
| Return on Equity (ROE) | 8.9107% | 2,348 |
| Retained earnings to average equity (ytd only) | 7.4803% | 1,736 |
| Net charge-offs to loans | 0.0024% | 1,725 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 1,035.0000% | 77 |
| Efficiency ratio | 65.6716% | 2,802 |
| Assets per employee ($millions) | 6.4670% | 2,410 |
| Cash dividends to net income (ytd only)* | 16.0535% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 3,518 |
| Loan loss allowance to noncurrent loans | 1,816.3265% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 2,780 |
| Noncurrent loans to loans | 0.0580% | 3,571 |
| Net loans and leases to total assets | 43.8472% | 3,748 |
| Net loans and leases to deposits | 49.1277% | 3,802 |
| Net loans and leases to core deposits | 50.1222% | 3,867 |
| Total domestic deposits to total assets | 89.2515% | 1,951 |
| Equity capital to assets | 10.1210% | 1,811 |
| Core capital (leverage) ratio | 10.6942% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,087,500 | 2,129 |
| Average earning assets | $358,099,500 | 2,120 |
| Average equity | $40,266,000 | 2,043 |
| Average total loans | $165,925,000 | 2,499 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0372% | 3,802 |
| Cost of funding earning assets | 0.1083% | 4,322 |
| Net interest margin | 2.9290% | 3,378 |
| Noninterest income to average assets | 0.7358% | 1,641 |
| Noninterest expense to average assets | 2.3381% | 2,691 |
| Loan and lease loss provision to assets | 0.0198% | 2,672 |
| Net operating income to assets | 0.9041% | 3,026 |
| Return on assets (ROA) | 0.9048% | 3,088 |
| Pretax return on assets | 1.1162% | 2,912 |
| Return on Equity (ROE) | 7.6120% | 3,347 |
| Retained earnings to average equity (ytd only) | 5.3179% | 2,665 |
| Net charge-offs to loans | -0.0063% | 3,608 |
| Credit loss provision to net charge-offs | -700.0000% | 3,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3168% | 2,077 |
| Assets per employee ($millions) | 6.4512% | 2,368 |
| Cash dividends to net income (ytd only)* | 30.1378% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 3,382 |
| Loan loss allowance to noncurrent loans | 1,575.2212% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 2,902 |
| Noncurrent loans to loans | 0.0694% | 3,595 |
| Net loans and leases to total assets | 42.2964% | 3,963 |
| Net loans and leases to deposits | 47.9181% | 4,003 |
| Net loans and leases to core deposits | 49.0544% | 4,051 |
| Total domestic deposits to total assets | 88.2682% | 1,893 |
| Equity capital to assets | 11.0122% | 1,782 |
| Core capital (leverage) ratio | 11.1666% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,802,000 | 2,184 |
| Average earning assets | $329,741,200 | 2,190 |
| Average equity | $41,933,600 | 2,015 |
| Average total loans | $159,339,000 | 2,547 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0511% | 3,906 |
| Cost of funding earning assets | 0.1129% | 4,405 |
| Net interest margin | 2.9382% | 3,463 |
| Noninterest income to average assets | 0.7159% | 1,772 |
| Noninterest expense to average assets | 2.1975% | 3,076 |
| Loan and lease loss provision to assets | 0.0136% | 2,722 |
| Net operating income to assets | 1.0026% | 2,897 |
| Return on assets (ROA) | 1.0035% | 2,956 |
| Pretax return on assets | 1.2460% | 2,783 |
| Return on Equity (ROE) | 8.2755% | 3,326 |
| Retained earnings to average equity (ytd only) | 6.8734% | 2,465 |
| Net charge-offs to loans | -0.0076% | 3,573 |
| Credit loss provision to net charge-offs | -388.8889% | 3,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5877% | 2,452 |
| Assets per employee ($millions) | 6.1643% | 2,540 |
| Cash dividends to net income (ytd only)* | 16.9420% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 3,617 |
| Loan loss allowance to noncurrent loans | 1,406.4516% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 3,055 |
| Noncurrent loans to loans | 0.0754% | 3,718 |
| Net loans and leases to total assets | 44.7329% | 3,888 |
| Net loans and leases to deposits | 51.0559% | 3,949 |
| Net loans and leases to core deposits | 52.7604% | 3,998 |
| Total domestic deposits to total assets | 87.6157% | 2,053 |
| Equity capital to assets | 11.7151% | 1,538 |
| Core capital (leverage) ratio | 11.4608% | 1,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9732% | 695 |
| Memoranda: | ||
| Average total assets | $345,846,750 | 2,241 |
| Average earning assets | $322,500,000 | 2,242 |
| Average equity | $41,938,250 | 2,045 |
| Average total loans | $158,481,250 | 2,597 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0603% | 3,940 |
| Cost of funding earning assets | 0.1203% | 4,440 |
| Net interest margin | 2.9400% | 3,475 |
| Noninterest income to average assets | 0.7308% | 1,713 |
| Noninterest expense to average assets | 2.2030% | 3,084 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0136% | 2,845 |
| Return on assets (ROA) | 1.0150% | 2,924 |
| Pretax return on assets | 1.2616% | 2,733 |
| Return on Equity (ROE) | 8.2703% | 3,326 |
| Retained earnings to average equity (ytd only) | 6.8512% | 2,485 |
| Net charge-offs to loans | -0.0102% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6194% | 2,481 |
| Assets per employee ($millions) | 6.1623% | 2,471 |
| Cash dividends to net income (ytd only)* | 17.1594% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,460 |
| Loan loss allowance to noncurrent loans | 1,047.8528% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 3,107 |
| Noncurrent loans to loans | 0.1042% | 3,664 |
| Net loans and leases to total assets | 43.3075% | 4,086 |
| Net loans and leases to deposits | 49.4019% | 4,141 |
| Net loans and leases to core deposits | 50.9154% | 4,189 |
| Total domestic deposits to total assets | 87.6636% | 2,006 |
| Equity capital to assets | 11.6993% | 1,521 |
| Core capital (leverage) ratio | 11.5866% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,897,667 | 2,256 |
| Average earning assets | $315,848,000 | 2,259 |
| Average equity | $41,715,333 | 2,045 |
| Average total loans | $156,496,667 | 2,627 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1955% | 3,703 |
| Cost of funding earning assets | 0.1370% | 4,400 |
| Net interest margin | 3.0585% | 3,110 |
| Noninterest income to average assets | 0.8250% | 1,528 |
| Noninterest expense to average assets | 2.2347% | 2,992 |
| Loan and lease loss provision to assets | -0.0012% | 4,547 |
| Net operating income to assets | 1.1386% | 2,359 |
| Return on assets (ROA) | 1.1415% | 2,419 |
| Pretax return on assets | 1.4266% | 2,204 |
| Return on Equity (ROE) | 9.0723% | 3,007 |
| Retained earnings to average equity (ytd only) | 7.6514% | 2,362 |
| Net charge-offs to loans | -0.0077% | 3,553 |
| Credit loss provision to net charge-offs | 33.3333% | 1,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1166% | 2,890 |
| Assets per employee ($millions) | 6.0781% | 2,522 |
| Cash dividends to net income (ytd only)* | 15.6614% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 3,486 |
| Loan loss allowance to noncurrent loans | 763.2287% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 3,084 |
| Noncurrent loans to loans | 0.1428% | 3,605 |
| Net loans and leases to total assets | 44.5965% | 4,077 |
| Net loans and leases to deposits | 51.0195% | 4,107 |
| Net loans and leases to core deposits | 52.6679% | 4,162 |
| Total domestic deposits to total assets | 87.4106% | 2,134 |
| Equity capital to assets | 11.9754% | 1,299 |
| Core capital (leverage) ratio | 12.1315% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,139,500 | 2,279 |
| Average earning assets | $306,555,500 | 2,294 |
| Average equity | $41,665,500 | 2,030 |
| Average total loans | $156,497,500 | 2,629 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5641% | 3,891 |
| Cost of funding earning assets | 0.2824% | 4,233 |
| Net interest margin | 3.2817% | 3,116 |
| Noninterest income to average assets | 0.8126% | 1,496 |
| Noninterest expense to average assets | 2.6219% | 2,477 |
| Loan and lease loss provision to assets | 0.0053% | 4,284 |
| Net operating income to assets | 0.9917% | 2,325 |
| Return on assets (ROA) | 1.0188% | 2,361 |
| Pretax return on assets | 1.2499% | 2,157 |
| Return on Equity (ROE) | 7.5066% | 2,995 |
| Retained earnings to average equity (ytd only) | 5.1740% | 2,201 |
| Net charge-offs to loans | 0.0197% | 2,677 |
| Credit loss provision to net charge-offs | 51.6129% | 3,135 |
| Earnings coverage of net charge-offs (x) | 118.1935% | 712 |
| Efficiency ratio | 68.2055% | 2,209 |
| Assets per employee ($millions) | 5.6398% | 2,700 |
| Cash dividends to net income (ytd only)* | 31.0740% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,536 |
| Loan loss allowance to noncurrent loans | 680.0000% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 3,066 |
| Noncurrent loans to loans | 0.1595% | 3,640 |
| Net loans and leases to total assets | 49.1052% | 3,901 |
| Net loans and leases to deposits | 57.0938% | 3,937 |
| Net loans and leases to core deposits | 59.3266% | 3,985 |
| Total domestic deposits to total assets | 86.0079% | 2,359 |
| Equity capital to assets | 13.2484% | 1,013 |
| Core capital (leverage) ratio | 12.5004% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,778,400 | 2,294 |
| Average earning assets | $276,926,400 | 2,306 |
| Average equity | $40,684,200 | 2,000 |
| Average total loans | $157,589,600 | 2,584 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6650% | 3,876 |
| Cost of funding earning assets | 0.3050% | 4,289 |
| Net interest margin | 3.3600% | 3,022 |
| Noninterest income to average assets | 0.7952% | 1,515 |
| Noninterest expense to average assets | 2.4803% | 2,907 |
| Loan and lease loss provision to assets | 0.0078% | 4,198 |
| Net operating income to assets | 1.1321% | 1,870 |
| Return on assets (ROA) | 1.1509% | 1,932 |
| Pretax return on assets | 1.4398% | 1,609 |
| Return on Equity (ROE) | 8.4266% | 2,635 |
| Retained earnings to average equity (ytd only) | 6.9644% | 1,708 |
| Net charge-offs to loans | 0.0169% | 2,532 |
| Credit loss provision to net charge-offs | 85.0000% | 2,729 |
| Earnings coverage of net charge-offs (x) | 157.9500% | 580 |
| Efficiency ratio | 63.5262% | 2,820 |
| Assets per employee ($millions) | 5.2863% | 2,907 |
| Cash dividends to net income (ytd only)* | 17.3521% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 3,293 |
| Loan loss allowance to noncurrent loans | 486.6477% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 2,925 |
| Noncurrent loans to loans | 0.2225% | 3,503 |
| Net loans and leases to total assets | 50.1744% | 4,092 |
| Net loans and leases to deposits | 59.4501% | 4,095 |
| Net loans and leases to core deposits | 61.9374% | 4,112 |
| Total domestic deposits to total assets | 84.3976% | 2,677 |
| Equity capital to assets | 13.4049% | 1,028 |
| Core capital (leverage) ratio | 12.8669% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,766,000 | 2,299 |
| Average earning assets | $273,683,500 | 2,309 |
| Average equity | $40,394,750 | 1,996 |
| Average total loans | $157,790,000 | 2,594 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8107% | 3,836 |
| Cost of funding earning assets | 0.3382% | 4,319 |
| Net interest margin | 3.4726% | 2,872 |
| Noninterest income to average assets | 0.8292% | 1,350 |
| Noninterest expense to average assets | 2.5352% | 2,867 |
| Loan and lease loss provision to assets | 0.0124% | 4,064 |
| Net operating income to assets | 1.1848% | 1,686 |
| Return on assets (ROA) | 1.2046% | 1,756 |
| Pretax return on assets | 1.5104% | 1,429 |
| Return on Equity (ROE) | 8.7618% | 2,466 |
| Retained earnings to average equity (ytd only) | 7.2790% | 1,548 |
| Net charge-offs to loans | 0.0101% | 2,584 |
| Credit loss provision to net charge-offs | 225.0000% | 1,820 |
| Earnings coverage of net charge-offs (x) | 271.8750% | 344 |
| Efficiency ratio | 62.8586% | 2,978 |
| Assets per employee ($millions) | 5.1336% | 3,021 |
| Cash dividends to net income (ytd only)* | 16.9240% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,281 |
| Loan loss allowance to noncurrent loans | 658.3969% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 3,191 |
| Noncurrent loans to loans | 0.1608% | 3,811 |
| Net loans and leases to total assets | 52.3294% | 4,006 |
| Net loans and leases to deposits | 61.4894% | 4,038 |
| Net loans and leases to core deposits | 64.0710% | 4,073 |
| Total domestic deposits to total assets | 85.1031% | 2,351 |
| Equity capital to assets | 13.3612% | 1,012 |
| Core capital (leverage) ratio | 13.0213% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,390,000 | 2,311 |
| Average earning assets | $267,927,667 | 2,316 |
| Average equity | $39,923,333 | 2,004 |
| Average total loans | $157,652,000 | 2,585 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0228% | 3,727 |
| Cost of funding earning assets | 0.3996% | 4,360 |
| Net interest margin | 3.6232% | 2,595 |
| Noninterest income to average assets | 0.8793% | 1,107 |
| Noninterest expense to average assets | 2.5386% | 3,163 |
| Loan and lease loss provision to assets | 0.0043% | 3,689 |
| Net operating income to assets | 1.3183% | 1,191 |
| Return on assets (ROA) | 1.3183% | 1,285 |
| Pretax return on assets | 1.6592% | 926 |
| Return on Equity (ROE) | 9.4435% | 1,940 |
| Retained earnings to average equity (ytd only) | 7.9374% | 1,250 |
| Net charge-offs to loans | -0.0181% | 4,304 |
| Credit loss provision to net charge-offs | -42.8571% | 3,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4124% | 3,686 |
| Assets per employee ($millions) | 5.0768% | 2,564 |
| Cash dividends to net income (ytd only)* | 15.9483% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,024 |
| Loan loss allowance to noncurrent loans | 408.7678% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 2,708 |
| Noncurrent loans to loans | 0.2773% | 3,499 |
| Net loans and leases to total assets | 52.9153% | 4,063 |
| Net loans and leases to deposits | 62.8583% | 4,053 |
| Net loans and leases to core deposits | 65.9002% | 4,090 |
| Total domestic deposits to total assets | 84.1817% | 2,718 |
| Equity capital to assets | 14.2175% | 996 |
| Core capital (leverage) ratio | 13.6313% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1816% | 552 |
| Memoranda: | ||
| Average total assets | $281,576,000 | 2,310 |
| Average earning assets | $258,226,000 | 2,330 |
| Average equity | $39,307,500 | 2,013 |
| Average total loans | $155,023,500 | 2,588 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1675% | 3,887 |
| Cost of funding earning assets | 0.4050% | 4,430 |
| Net interest margin | 3.7625% | 2,632 |
| Noninterest income to average assets | 0.8136% | 1,415 |
| Noninterest expense to average assets | 2.7194% | 2,833 |
| Loan and lease loss provision to assets | 0.0173% | 3,669 |
| Net operating income to assets | 1.2338% | 1,932 |
| Return on assets (ROA) | 1.2292% | 2,038 |
| Pretax return on assets | 1.5302% | 1,711 |
| Return on Equity (ROE) | 8.6863% | 2,877 |
| Retained earnings to average equity (ytd only) | 6.2409% | 1,749 |
| Net charge-offs to loans | 0.0111% | 3,295 |
| Credit loss provision to net charge-offs | 282.3529% | 994 |
| Earnings coverage of net charge-offs (x) | 253.4706% | 325 |
| Efficiency ratio | 63.6463% | 3,125 |
| Assets per employee ($millions) | 4.9795% | 2,628 |
| Cash dividends to net income (ytd only)* | 28.1525% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 3,025 |
| Loan loss allowance to noncurrent loans | 857.5000% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 2,931 |
| Noncurrent loans to loans | 0.1267% | 4,016 |
| Net loans and leases to total assets | 56.0042% | 3,921 |
| Net loans and leases to deposits | 65.9532% | 3,959 |
| Net loans and leases to core deposits | 69.4052% | 3,997 |
| Total domestic deposits to total assets | 84.9150% | 2,524 |
| Equity capital to assets | 13.6971% | 1,212 |
| Core capital (leverage) ratio | 13.7450% | 991 |
| Tier 1 risk-based capital ratio | 20.8651% | 1,187 |
| Total risk-based capital ratio | 21.8104% | 1,211 |
| Memoranda: | ||
| Average total assets | $277,418,400 | 2,285 |
| Average earning assets | $255,042,600 | 2,302 |
| Average equity | $39,257,400 | 1,973 |
| Average total loans | $153,128,800 | 2,584 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 4,031 |
| Cost of funding earning assets | 0.3991% | 4,508 |
| Net interest margin | 3.7540% | 2,737 |
| Noninterest income to average assets | 0.8600% | 1,239 |
| Noninterest expense to average assets | 2.5178% | 3,388 |
| Loan and lease loss provision to assets | 0.0231% | 3,439 |
| Net operating income to assets | 1.3968% | 1,480 |
| Return on assets (ROA) | 1.3980% | 1,536 |
| Pretax return on assets | 1.7791% | 1,141 |
| Return on Equity (ROE) | 9.8000% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.3426% | 1,269 |
| Net charge-offs to loans | 0.0079% | 3,096 |
| Credit loss provision to net charge-offs | 533.3333% | 598 |
| Earnings coverage of net charge-offs (x) | 415.7675% | 239 |
| Efficiency ratio | 58.3018% | 3,892 |
| Assets per employee ($millions) | 4.9552% | 2,607 |
| Cash dividends to net income (ytd only)* | 14.8710% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 2,991 |
| Loan loss allowance to noncurrent loans | 936.9565% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 2,856 |
| Noncurrent loans to loans | 0.1182% | 4,124 |
| Net loans and leases to total assets | 55.4784% | 4,081 |
| Net loans and leases to deposits | 66.5228% | 4,024 |
| Net loans and leases to core deposits | 70.8473% | 4,009 |
| Total domestic deposits to total assets | 83.3976% | 3,025 |
| Equity capital to assets | 14.9094% | 866 |
| Core capital (leverage) ratio | 14.8636% | 768 |
| Tier 1 risk-based capital ratio | 23.2318% | 923 |
| Total risk-based capital ratio | 24.2068% | 932 |
| Memoranda: | ||
| Average total assets | $277,059,500 | 2,303 |
| Average earning assets | $255,261,500 | 2,315 |
| Average equity | $39,523,000 | 1,964 |
| Average total loans | $151,939,750 | 2,629 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1281% | 4,095 |
| Cost of funding earning assets | 0.3779% | 4,590 |
| Net interest margin | 3.7503% | 2,752 |
| Noninterest income to average assets | 0.8754% | 1,136 |
| Noninterest expense to average assets | 2.5033% | 3,469 |
| Loan and lease loss provision to assets | 0.0347% | 3,134 |
| Net operating income to assets | 1.4026% | 1,431 |
| Return on assets (ROA) | 1.4026% | 1,483 |
| Pretax return on assets | 1.7926% | 1,050 |
| Return on Equity (ROE) | 9.9829% | 2,396 |
| Retained earnings to average equity (ytd only) | 8.5024% | 1,203 |
| Net charge-offs to loans | 0.0106% | 2,753 |
| Credit loss provision to net charge-offs | 600.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 316.2500% | 253 |
| Efficiency ratio | 57.8052% | 4,040 |
| Assets per employee ($millions) | 4.9622% | 2,527 |
| Cash dividends to net income (ytd only)* | 14.8301% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 2,895 |
| Loan loss allowance to noncurrent loans | 963.6872% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 2,852 |
| Noncurrent loans to loans | 0.1174% | 4,151 |
| Net loans and leases to total assets | 54.2459% | 4,191 |
| Net loans and leases to deposits | 64.9599% | 4,161 |
| Net loans and leases to core deposits | 69.2386% | 4,139 |
| Total domestic deposits to total assets | 83.5067% | 3,049 |
| Equity capital to assets | 14.6130% | 916 |
| Core capital (leverage) ratio | 14.4496% | 841 |
| Tier 1 risk-based capital ratio | 23.1924% | 929 |
| Total risk-based capital ratio | 24.1861% | 924 |
| Memoranda: | ||
| Average total assets | $276,916,000 | 2,313 |
| Average earning assets | $255,127,000 | 2,325 |
| Average equity | $38,906,670 | 1,984 |
| Average total loans | $150,696,000 | 2,653 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1323% | 4,053 |
| Cost of funding earning assets | 0.3564% | 4,656 |
| Net interest margin | 3.7759% | 2,610 |
| Noninterest income to average assets | 0.8971% | 1,046 |
| Noninterest expense to average assets | 2.5091% | 3,484 |
| Loan and lease loss provision to assets | 0.0318% | 2,988 |
| Net operating income to assets | 1.4325% | 1,286 |
| Return on assets (ROA) | 1.4325% | 1,316 |
| Pretax return on assets | 1.8363% | 895 |
| Return on Equity (ROE) | 10.4056% | 2,196 |
| Retained earnings to average equity (ytd only) | 8.8920% | 1,356 |
| Net charge-offs to loans | -0.0107% | 4,249 |
| Credit loss provision to net charge-offs | -550.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3223% | 4,166 |
| Assets per employee ($millions) | 5.2079% | 2,278 |
| Cash dividends to net income (ytd only)* | 14.5455% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 2,842 |
| Loan loss allowance to noncurrent loans | 522.9358% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 2,756 |
| Noncurrent loans to loans | 0.2201% | 3,797 |
| Net loans and leases to total assets | 52.2121% | 4,321 |
| Net loans and leases to deposits | 62.0023% | 4,302 |
| Net loans and leases to core deposits | 66.3613% | 4,268 |
| Total domestic deposits to total assets | 84.2100% | 2,980 |
| Equity capital to assets | 13.8229% | 1,101 |
| Core capital (leverage) ratio | 14.2809% | 870 |
| Tier 1 risk-based capital ratio | 22.5663% | 982 |
| Total risk-based capital ratio | 23.5444% | 998 |
| Memoranda: | ||
| Average total assets | $276,432,500 | 2,329 |
| Average earning assets | $254,775,500 | 2,345 |
| Average equity | $38,056,500 | 2,014 |
| Average total loans | $149,811,500 | 2,692 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 4,181 |
| Cost of funding earning assets | 0.2348% | 4,872 |
| Net interest margin | 3.7096% | 2,997 |
| Noninterest income to average assets | 0.9129% | 1,149 |
| Noninterest expense to average assets | 2.7340% | 2,916 |
| Loan and lease loss provision to assets | 0.0464% | 3,256 |
| Net operating income to assets | 1.2185% | 2,092 |
| Return on assets (ROA) | 1.2185% | 2,084 |
| Pretax return on assets | 1.5660% | 1,564 |
| Return on Equity (ROE) | 9.0063% | 2,989 |
| Retained earnings to average equity (ytd only) | 6.6179% | 1,854 |
| Net charge-offs to loans | 0.0538% | 2,381 |
| Credit loss provision to net charge-offs | 156.9620% | 1,769 |
| Earnings coverage of net charge-offs (x) | 54.5696% | 1,085 |
| Efficiency ratio | 62.9034% | 3,362 |
| Assets per employee ($millions) | 4.9389% | 2,573 |
| Cash dividends to net income (ytd only)* | 26.5193% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 3,008 |
| Loan loss allowance to noncurrent loans | 610.5072% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 2,727 |
| Noncurrent loans to loans | 0.1827% | 3,929 |
| Net loans and leases to total assets | 54.9973% | 4,211 |
| Net loans and leases to deposits | 65.0267% | 4,183 |
| Net loans and leases to core deposits | 69.7700% | 4,126 |
| Total domestic deposits to total assets | 84.5765% | 2,809 |
| Equity capital to assets | 13.7091% | 1,062 |
| Core capital (leverage) ratio | 14.4318% | 817 |
| Tier 1 risk-based capital ratio | 22.3937% | 980 |
| Total risk-based capital ratio | 23.3712% | 993 |
| Memoranda: | ||
| Average total assets | $267,377,400 | 2,355 |
| Average earning assets | $247,466,400 | 2,356 |
| Average equity | $36,174,800 | 2,023 |
| Average total loans | $146,943,000 | 2,679 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9003% | 4,211 |
| Cost of funding earning assets | 0.2192% | 4,947 |
| Net interest margin | 3.6811% | 3,082 |
| Noninterest income to average assets | 0.8842% | 1,240 |
| Noninterest expense to average assets | 2.5423% | 3,469 |
| Loan and lease loss provision to assets | 0.0391% | 3,224 |
| Net operating income to assets | 1.3378% | 1,713 |
| Return on assets (ROA) | 1.3382% | 1,721 |
| Pretax return on assets | 1.7167% | 1,232 |
| Return on Equity (ROE) | 9.9249% | 2,656 |
| Retained earnings to average equity (ytd only) | 8.3209% | 1,504 |
| Net charge-offs to loans | 0.0073% | 3,161 |
| Credit loss provision to net charge-offs | 975.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 438.1022% | 211 |
| Efficiency ratio | 59.1566% | 3,941 |
| Assets per employee ($millions) | 4.5569% | 3,033 |
| Cash dividends to net income (ytd only)* | 16.1617% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,004 |
| Loan loss allowance to noncurrent loans | 346.8560% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 2,674 |
| Noncurrent loans to loans | 0.3270% | 3,498 |
| Net loans and leases to total assets | 57.3882% | 4,100 |
| Net loans and leases to deposits | 68.6708% | 4,012 |
| Net loans and leases to core deposits | 74.6502% | 3,899 |
| Total domestic deposits to total assets | 83.5700% | 3,095 |
| Equity capital to assets | 14.1462% | 910 |
| Core capital (leverage) ratio | 14.7167% | 775 |
| Tier 1 risk-based capital ratio | 22.4637% | 994 |
| Total risk-based capital ratio | 23.4627% | 1,004 |
| Memoranda: | ||
| Average total assets | $266,312,500 | 2,372 |
| Average earning assets | $246,950,000 | 2,370 |
| Average equity | $35,908,750 | 2,042 |
| Average total loans | $145,909,250 | 2,710 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7929% | 4,362 |
| Cost of funding earning assets | 0.2032% | 5,012 |
| Net interest margin | 3.5897% | 3,359 |
| Noninterest income to average assets | 0.8797% | 1,241 |
| Noninterest expense to average assets | 2.5184% | 3,584 |
| Loan and lease loss provision to assets | 0.0253% | 3,410 |
| Net operating income to assets | 1.2991% | 1,778 |
| Return on assets (ROA) | 1.2991% | 1,770 |
| Pretax return on assets | 1.6648% | 1,305 |
| Return on Equity (ROE) | 9.7894% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.1728% | 1,549 |
| Net charge-offs to loans | 0.0125% | 2,715 |
| Credit loss provision to net charge-offs | 377.7778% | 855 |
| Earnings coverage of net charge-offs (x) | 252.1111% | 351 |
| Efficiency ratio | 59.8407% | 3,960 |
| Assets per employee ($millions) | 4.6065% | 2,960 |
| Cash dividends to net income (ytd only)* | 16.5138% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 3,111 |
| Loan loss allowance to noncurrent loans | 401.2048% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 2,843 |
| Noncurrent loans to loans | 0.2809% | 3,695 |
| Net loans and leases to total assets | 55.6297% | 4,194 |
| Net loans and leases to deposits | 66.5162% | 4,139 |
| Net loans and leases to core deposits | 72.4050% | 3,984 |
| Total domestic deposits to total assets | 83.6333% | 3,203 |
| Equity capital to assets | 13.7038% | 1,027 |
| Core capital (leverage) ratio | 13.8743% | 940 |
| Tier 1 risk-based capital ratio | 22.3953% | 998 |
| Total risk-based capital ratio | 23.3853% | 1,006 |
| Memoranda: | ||
| Average total assets | $268,501,670 | 2,360 |
| Average earning assets | $248,992,000 | 2,370 |
| Average equity | $35,630,330 | 2,060 |
| Average total loans | $144,288,000 | 2,740 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6871% | 4,494 |
| Cost of funding earning assets | 0.1905% | 5,074 |
| Net interest margin | 3.4965% | 3,549 |
| Noninterest income to average assets | 0.9253% | 1,084 |
| Noninterest expense to average assets | 2.4813% | 3,707 |
| Loan and lease loss provision to assets | 0.0133% | 3,361 |
| Net operating income to assets | 1.3084% | 1,615 |
| Return on assets (ROA) | 1.3084% | 1,621 |
| Pretax return on assets | 1.6753% | 1,177 |
| Return on Equity (ROE) | 10.0185% | 2,411 |
| Retained earnings to average equity (ytd only) | 8.3939% | 1,691 |
| Net charge-offs to loans | -0.0028% | 3,860 |
| Credit loss provision to net charge-offs | -900.0000% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5053% | 4,128 |
| Assets per employee ($millions) | 4.9760% | 2,517 |
| Cash dividends to net income (ytd only)* | 16.2162% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 3,011 |
| Loan loss allowance to noncurrent loans | 370.7865% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 2,931 |
| Noncurrent loans to loans | 0.3140% | 3,642 |
| Net loans and leases to total assets | 51.1735% | 4,488 |
| Net loans and leases to deposits | 60.9779% | 4,404 |
| Net loans and leases to core deposits | 65.7427% | 4,327 |
| Total domestic deposits to total assets | 83.9213% | 3,355 |
| Equity capital to assets | 12.9582% | 1,269 |
| Core capital (leverage) ratio | 13.5459% | 995 |
| Tier 1 risk-based capital ratio | 22.4142% | 1,002 |
| Total risk-based capital ratio | 23.4150% | 1,012 |
| Memoranda: | ||
| Average total assets | $271,467,500 | 2,360 |
| Average earning assets | $251,907,000 | 2,358 |
| Average equity | $35,454,500 | 2,074 |
| Average total loans | $142,566,000 | 2,782 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 4,256 |
| Cost of funding earning assets | 0.2021% | 4,936 |
| Net interest margin | 3.5324% | 3,414 |
| Noninterest income to average assets | 0.8698% | 1,355 |
| Noninterest expense to average assets | 2.6788% | 3,200 |
| Loan and lease loss provision to assets | 0.0239% | 3,818 |
| Net operating income to assets | 0.7944% | 3,190 |
| Return on assets (ROA) | 0.7949% | 3,230 |
| Pretax return on assets | 1.4435% | 1,841 |
| Return on Equity (ROE) | 5.9362% | 3,790 |
| Retained earnings to average equity (ytd only) | 3.9000% | 2,865 |
| Net charge-offs to loans | 0.1042% | 2,019 |
| Credit loss provision to net charge-offs | 42.2819% | 3,421 |
| Earnings coverage of net charge-offs (x) | 25.9933% | 1,694 |
| Efficiency ratio | 64.6204% | 3,511 |
| Assets per employee ($millions) | 5.3851% | 2,069 |
| Cash dividends to net income (ytd only)* | 34.3020% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 3,101 |
| Loan loss allowance to noncurrent loans | 368.5393% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 2,923 |
| Noncurrent loans to loans | 0.3103% | 3,671 |
| Net loans and leases to total assets | 52.6603% | 4,470 |
| Net loans and leases to deposits | 62.6642% | 4,394 |
| Net loans and leases to core deposits | 67.6878% | 4,317 |
| Total domestic deposits to total assets | 84.0356% | 3,194 |
| Equity capital to assets | 13.1641% | 1,183 |
| Core capital (leverage) ratio | 13.6405% | 925 |
| Tier 1 risk-based capital ratio | 22.2692% | 987 |
| Total risk-based capital ratio | 22.7882% | 1,048 |
| Memoranda: | ||
| Average total assets | $264,074,800 | 2,374 |
| Average earning assets | $244,876,200 | 2,384 |
| Average equity | $35,359,200 | 2,058 |
| Average total loans | $143,050,400 | 2,735 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7105% | 4,294 |
| Cost of funding earning assets | 0.2023% | 4,960 |
| Net interest margin | 3.5082% | 3,479 |
| Noninterest income to average assets | 0.8869% | 1,313 |
| Noninterest expense to average assets | 2.4699% | 3,824 |
| Loan and lease loss provision to assets | 0.0264% | 3,605 |
| Net operating income to assets | 1.0780% | 2,189 |
| Return on assets (ROA) | 1.0787% | 2,239 |
| Pretax return on assets | 1.6475% | 1,249 |
| Return on Equity (ROE) | 8.0215% | 3,119 |
| Retained earnings to average equity (ytd only) | 6.6632% | 1,868 |
| Net charge-offs to loans | 0.1091% | 1,699 |
| Credit loss provision to net charge-offs | 44.4444% | 2,971 |
| Earnings coverage of net charge-offs (x) | 28.1788% | 1,616 |
| Efficiency ratio | 59.6203% | 4,276 |
| Assets per employee ($millions) | 5.0148% | 2,430 |
| Cash dividends to net income (ytd only)* | 16.9333% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 3,267 |
| Loan loss allowance to noncurrent loans | 495.8209% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.6550% | 2,540 |
| Noncurrent loans to loans | 0.2295% | 4,147 |
| Net loans and leases to total assets | 55.3426% | 4,291 |
| Net loans and leases to deposits | 66.3754% | 4,223 |
| Net loans and leases to core deposits | 72.2305% | 4,112 |
| Total domestic deposits to total assets | 83.3782% | 3,335 |
| Equity capital to assets | 13.9647% | 1,006 |
| Core capital (leverage) ratio | 13.8261% | 933 |
| Tier 1 risk-based capital ratio | 22.7189% | 971 |
| Total risk-based capital ratio | 23.7622% | 980 |
| Memoranda: | ||
| Average total assets | $262,779,500 | 2,409 |
| Average earning assets | $243,876,750 | 2,409 |
| Average equity | $35,337,750 | 2,068 |
| Average total loans | $142,955,250 | 2,753 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6365% | 4,409 |
| Cost of funding earning assets | 0.2011% | 4,970 |
| Net interest margin | 3.4354% | 3,646 |
| Noninterest income to average assets | 0.8988% | 1,275 |
| Noninterest expense to average assets | 2.4604% | 3,889 |
| Loan and lease loss provision to assets | 0.0137% | 3,680 |
| Net operating income to assets | 1.0461% | 2,223 |
| Return on assets (ROA) | 1.0461% | 2,265 |
| Pretax return on assets | 1.6018% | 1,339 |
| Return on Equity (ROE) | 7.8792% | 3,104 |
| Retained earnings to average equity (ytd only) | 6.5069% | 1,843 |
| Net charge-offs to loans | 0.1592% | 1,209 |
| Credit loss provision to net charge-offs | 15.9292% | 2,816 |
| Earnings coverage of net charge-offs (x) | 18.8319% | 1,859 |
| Efficiency ratio | 60.3651% | 4,268 |
| Assets per employee ($millions) | 4.8681% | 2,559 |
| Cash dividends to net income (ytd only)* | 17.4165% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 3,361 |
| Loan loss allowance to noncurrent loans | 522.7564% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 2,549 |
| Noncurrent loans to loans | 0.2183% | 4,250 |
| Net loans and leases to total assets | 53.7438% | 4,416 |
| Net loans and leases to deposits | 64.3056% | 4,353 |
| Net loans and leases to core deposits | 70.0033% | 4,229 |
| Total domestic deposits to total assets | 83.5756% | 3,374 |
| Equity capital to assets | 13.6147% | 1,108 |
| Core capital (leverage) ratio | 13.2830% | 1,061 |
| Tier 1 risk-based capital ratio | 20.6607% | 1,251 |
| Total risk-based capital ratio | 21.6083% | 1,272 |
| Memoranda: | ||
| Average total assets | $263,448,670 | 2,417 |
| Average earning assets | $243,639,000 | 2,417 |
| Average equity | $34,978,330 | 2,077 |
| Average total loans | $141,947,330 | 2,778 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5689% | 4,499 |
| Cost of funding earning assets | 0.2017% | 4,966 |
| Net interest margin | 3.3672% | 3,777 |
| Noninterest income to average assets | 0.9388% | 1,143 |
| Noninterest expense to average assets | 2.4176% | 4,068 |
| Loan and lease loss provision to assets | -0.0030% | 5,640 |
| Net operating income to assets | 1.0713% | 1,975 |
| Return on assets (ROA) | 1.0723% | 2,017 |
| Pretax return on assets | 1.6395% | 1,149 |
| Return on Equity (ROE) | 8.1799% | 2,822 |
| Retained earnings to average equity (ytd only) | 6.7915% | 1,932 |
| Net charge-offs to loans | -0.0057% | 4,223 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6557% | 4,503 |
| Assets per employee ($millions) | 4.8264% | 2,659 |
| Cash dividends to net income (ytd only)* | 16.9731% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 2,982 |
| Loan loss allowance to noncurrent loans | 423.0392% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 3,167 |
| Noncurrent loans to loans | 0.2893% | 4,080 |
| Net loans and leases to total assets | 52.4833% | 4,474 |
| Net loans and leases to deposits | 62.6677% | 4,393 |
| Net loans and leases to core deposits | 68.3472% | 4,270 |
| Total domestic deposits to total assets | 83.7486% | 3,572 |
| Equity capital to assets | 13.1627% | 1,200 |
| Core capital (leverage) ratio | 13.0383% | 1,129 |
| Tier 1 risk-based capital ratio | 22.3954% | 1,044 |
| Total risk-based capital ratio | 23.5170% | 1,036 |
| Memoranda: | ||
| Average total assets | $263,734,500 | 2,434 |
| Average earning assets | $243,881,500 | 2,447 |
| Average equity | $34,572,500 | 2,105 |
| Average total loans | $141,465,500 | 2,796 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7189% | 4,157 |
| Cost of funding earning assets | 0.2072% | 4,945 |
| Net interest margin | 3.5117% | 3,383 |
| Noninterest income to average assets | 0.9191% | 1,350 |
| Noninterest expense to average assets | 2.8272% | 2,931 |
| Loan and lease loss provision to assets | 0.0176% | 4,029 |
| Net operating income to assets | 0.8894% | 2,881 |
| Return on assets (ROA) | 0.9407% | 2,740 |
| Pretax return on assets | 1.3883% | 1,988 |
| Return on Equity (ROE) | 6.8823% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.7808% | 2,490 |
| Net charge-offs to loans | 0.0028% | 4,167 |
| Credit loss provision to net charge-offs | 1,100.0000% | 355 |
| Earnings coverage of net charge-offs (x) | 833.7500% | 92 |
| Efficiency ratio | 68.0004% | 3,229 |
| Assets per employee ($millions) | 4.6788% | 2,825 |
| Cash dividends to net income (ytd only)* | 30.5344% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 3,021 |
| Loan loss allowance to noncurrent loans | 442.5641% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 3,208 |
| Noncurrent loans to loans | 0.2749% | 4,173 |
| Net loans and leases to total assets | 53.4931% | 4,485 |
| Net loans and leases to deposits | 63.1983% | 4,460 |
| Net loans and leases to core deposits | 68.9004% | 4,330 |
| Total domestic deposits to total assets | 84.6432% | 3,192 |
| Equity capital to assets | 13.0542% | 1,234 |
| Core capital (leverage) ratio | 13.7769% | 877 |
| Tier 1 risk-based capital ratio | 22.8109% | 983 |
| Total risk-based capital ratio | 23.9412% | 982 |
| Memoranda: | ||
| Average total assets | $250,674,600 | 2,503 |
| Average earning assets | $231,168,800 | 2,508 |
| Average equity | $34,262,000 | 2,122 |
| Average total loans | $142,611,000 | 2,744 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 4,126 |
| Cost of funding earning assets | 0.2071% | 4,997 |
| Net interest margin | 3.5294% | 3,360 |
| Noninterest income to average assets | 0.9640% | 1,225 |
| Noninterest expense to average assets | 2.6662% | 3,444 |
| Loan and lease loss provision to assets | 0.0221% | 3,802 |
| Net operating income to assets | 1.0153% | 2,362 |
| Return on assets (ROA) | 1.0824% | 2,176 |
| Pretax return on assets | 1.6327% | 1,293 |
| Return on Equity (ROE) | 7.8264% | 3,098 |
| Retained earnings to average equity (ytd only) | 6.4260% | 1,953 |
| Net charge-offs to loans | 0.0009% | 3,919 |
| Credit loss provision to net charge-offs | 4,100.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 2,894.1654% | 17 |
| Efficiency ratio | 63.1901% | 4,039 |
| Assets per employee ($millions) | 4.2717% | 3,463 |
| Cash dividends to net income (ytd only)* | 17.8927% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 3,151 |
| Loan loss allowance to noncurrent loans | 271.3836% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 2,888 |
| Noncurrent loans to loans | 0.4472% | 3,677 |
| Net loans and leases to total assets | 56.6993% | 4,229 |
| Net loans and leases to deposits | 68.1071% | 4,140 |
| Net loans and leases to core deposits | 73.8684% | 4,013 |
| Total domestic deposits to total assets | 83.2502% | 3,498 |
| Equity capital to assets | 14.1739% | 975 |
| Core capital (leverage) ratio | 13.9842% | 855 |
| Tier 1 risk-based capital ratio | 23.1737% | 985 |
| Total risk-based capital ratio | 24.3215% | 982 |
| Memoranda: | ||
| Average total assets | $247,839,500 | 2,534 |
| Average earning assets | $228,589,250 | 2,534 |
| Average equity | $34,276,500 | 2,134 |
| Average total loans | $142,792,250 | 2,742 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7225% | 4,220 |
| Cost of funding earning assets | 0.2049% | 5,092 |
| Net interest margin | 3.5176% | 3,423 |
| Noninterest income to average assets | 0.9650% | 1,206 |
| Noninterest expense to average assets | 2.6514% | 3,545 |
| Loan and lease loss provision to assets | 0.0290% | 3,548 |
| Net operating income to assets | 1.0169% | 2,314 |
| Return on assets (ROA) | 1.0304% | 2,387 |
| Pretax return on assets | 1.5460% | 1,537 |
| Return on Equity (ROE) | 7.5126% | 3,257 |
| Retained earnings to average equity (ytd only) | 6.1007% | 2,070 |
| Net charge-offs to loans | 0.0014% | 3,658 |
| Credit loss provision to net charge-offs | 3,600.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 1,927.0000% | 22 |
| Efficiency ratio | 63.0347% | 4,172 |
| Assets per employee ($millions) | 4.4124% | 3,194 |
| Cash dividends to net income (ytd only)* | 18.7940% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 3,527 |
| Loan loss allowance to noncurrent loans | 577.5168% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 3,407 |
| Noncurrent loans to loans | 0.2025% | 4,632 |
| Net loans and leases to total assets | 58.8618% | 4,026 |
| Net loans and leases to deposits | 70.8874% | 3,902 |
| Net loans and leases to core deposits | 77.9200% | 3,648 |
| Total domestic deposits to total assets | 83.0356% | 3,641 |
| Equity capital to assets | 14.0343% | 1,012 |
| Core capital (leverage) ratio | 13.6751% | 916 |
| Tier 1 risk-based capital ratio | 22.3414% | 1,099 |
| Total risk-based capital ratio | 23.4646% | 1,100 |
| Memoranda: | ||
| Average total assets | $247,866,670 | 2,549 |
| Average earning assets | $228,397,330 | 2,550 |
| Average equity | $33,996,330 | 2,150 |
| Average total loans | $142,988,670 | 2,739 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6551% | 4,461 |
| Cost of funding earning assets | 0.2013% | 5,191 |
| Net interest margin | 3.4538% | 3,651 |
| Noninterest income to average assets | 1.0006% | 1,076 |
| Noninterest expense to average assets | 2.6070% | 3,730 |
| Loan and lease loss provision to assets | 0.0242% | 3,364 |
| Net operating income to assets | 1.0366% | 2,133 |
| Return on assets (ROA) | 1.0409% | 2,233 |
| Pretax return on assets | 1.5549% | 1,421 |
| Return on Equity (ROE) | 7.6778% | 3,096 |
| Retained earnings to average equity (ytd only) | 6.2516% | 2,259 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3747% | 4,392 |
| Assets per employee ($millions) | 4.4828% | 3,100 |
| Cash dividends to net income (ytd only)* | 18.5759% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 3,462 |
| Loan loss allowance to noncurrent loans | 302.6690% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.6401% | 3,137 |
| Noncurrent loans to loans | 0.3974% | 4,010 |
| Net loans and leases to total assets | 55.6526% | 4,297 |
| Net loans and leases to deposits | 66.4273% | 4,216 |
| Net loans and leases to core deposits | 71.9292% | 4,065 |
| Total domestic deposits to total assets | 83.7796% | 3,608 |
| Equity capital to assets | 13.5562% | 1,158 |
| Core capital (leverage) ratio | 13.5323% | 975 |
| Tier 1 risk-based capital ratio | 22.4845% | 1,092 |
| Total risk-based capital ratio | 23.6187% | 1,085 |
| Memoranda: | ||
| Average total assets | $248,253,000 | 2,558 |
| Average earning assets | $228,502,500 | 2,565 |
| Average equity | $33,655,500 | 2,169 |
| Average total loans | $140,900,500 | 2,768 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9063% | 3,685 |
| Cost of funding earning assets | 0.2016% | 5,275 |
| Net interest margin | 3.7047% | 2,732 |
| Noninterest income to average assets | 1.0027% | 1,181 |
| Noninterest expense to average assets | 2.9599% | 2,672 |
| Loan and lease loss provision to assets | 0.0017% | 4,352 |
| Net operating income to assets | 0.9716% | 2,514 |
| Return on assets (ROA) | 0.9745% | 2,573 |
| Pretax return on assets | 1.4593% | 1,683 |
| Return on Equity (ROE) | 6.8670% | 3,584 |
| Retained earnings to average equity (ytd only) | 4.6647% | 2,669 |
| Net charge-offs to loans | -0.0269% | 5,360 |
| Credit loss provision to net charge-offs | -10.8108% | 4,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0172% | 3,743 |
| Assets per employee ($millions) | 4.3834% | 3,247 |
| Cash dividends to net income (ytd only)* | 32.0713% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 3,475 |
| Loan loss allowance to noncurrent loans | 540.3846% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 3,436 |
| Noncurrent loans to loans | 0.2222% | 4,631 |
| Net loans and leases to total assets | 56.5063% | 4,252 |
| Net loans and leases to deposits | 67.3405% | 4,188 |
| Net loans and leases to core deposits | 71.9833% | 4,133 |
| Total domestic deposits to total assets | 83.9113% | 3,516 |
| Equity capital to assets | 13.5577% | 1,108 |
| Core capital (leverage) ratio | 14.0692% | 798 |
| Tier 1 risk-based capital ratio | 22.2213% | 1,117 |
| Total risk-based capital ratio | 23.3494% | 1,108 |
| Memoranda: | ||
| Average total assets | $230,382,200 | 2,661 |
| Average earning assets | $212,296,400 | 2,653 |
| Average equity | $32,692,400 | 2,161 |
| Average total loans | $137,708,000 | 2,754 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9399% | 3,585 |
| Cost of funding earning assets | 0.2013% | 5,364 |
| Net interest margin | 3.7385% | 2,615 |
| Noninterest income to average assets | 1.0079% | 1,168 |
| Noninterest expense to average assets | 2.8277% | 3,078 |
| Loan and lease loss provision to assets | -0.0035% | 5,792 |
| Net operating income to assets | 1.0834% | 2,082 |
| Return on assets (ROA) | 1.0850% | 2,161 |
| Pretax return on assets | 1.6386% | 1,273 |
| Return on Equity (ROE) | 7.5544% | 3,307 |
| Retained earnings to average equity (ytd only) | 6.0796% | 2,197 |
| Net charge-offs to loans | -0.0603% | 5,601 |
| Credit loss provision to net charge-offs | 9.6774% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3953% | 4,350 |
| Assets per employee ($millions) | 4.1609% | 3,599 |
| Cash dividends to net income (ytd only)* | 19.5228% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 3,560 |
| Loan loss allowance to noncurrent loans | 675.0000% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 3,583 |
| Noncurrent loans to loans | 0.1801% | 4,930 |
| Net loans and leases to total assets | 60.3949% | 3,826 |
| Net loans and leases to deposits | 72.9151% | 3,659 |
| Net loans and leases to core deposits | 78.2720% | 3,583 |
| Total domestic deposits to total assets | 82.8291% | 3,873 |
| Equity capital to assets | 14.5953% | 839 |
| Core capital (leverage) ratio | 14.6127% | 714 |
| Tier 1 risk-based capital ratio | 22.7270% | 1,093 |
| Total risk-based capital ratio | 23.8931% | 1,082 |
| Memoranda: | ||
| Average total assets | $226,610,250 | 2,716 |
| Average earning assets | $209,274,000 | 2,706 |
| Average equity | $32,545,500 | 2,187 |
| Average total loans | $137,037,000 | 2,783 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 3,599 |
| Cost of funding earning assets | 0.1954% | 5,483 |
| Net interest margin | 3.7293% | 2,585 |
| Noninterest income to average assets | 1.0121% | 1,155 |
| Noninterest expense to average assets | 2.8300% | 3,131 |
| Loan and lease loss provision to assets | 0.0053% | 3,995 |
| Net operating income to assets | 1.0806% | 2,008 |
| Return on assets (ROA) | 1.0812% | 2,115 |
| Pretax return on assets | 1.6258% | 1,264 |
| Return on Equity (ROE) | 7.5697% | 3,278 |
| Retained earnings to average equity (ytd only) | 6.0818% | 2,184 |
| Net charge-offs to loans | -0.0735% | 5,681 |
| Credit loss provision to net charge-offs | -12.0000% | 4,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4505% | 4,437 |
| Assets per employee ($millions) | 4.1698% | 3,528 |
| Cash dividends to net income (ytd only)* | 19.6560% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 3,560 |
| Loan loss allowance to noncurrent loans | 637.0787% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.5889% | 3,646 |
| Noncurrent loans to loans | 0.1948% | 4,994 |
| Net loans and leases to total assets | 60.1189% | 3,819 |
| Net loans and leases to deposits | 72.6952% | 3,654 |
| Net loans and leases to core deposits | 77.8196% | 3,599 |
| Total domestic deposits to total assets | 82.7000% | 4,060 |
| Equity capital to assets | 14.5026% | 814 |
| Core capital (leverage) ratio | 14.1524% | 798 |
| Tier 1 risk-based capital ratio | 23.5024% | 1,005 |
| Total risk-based capital ratio | 24.7268% | 1,000 |
| Memoranda: | ||
| Average total assets | $225,864,670 | 2,739 |
| Average earning assets | $208,833,330 | 2,722 |
| Average equity | $32,260,330 | 2,209 |
| Average total loans | $136,078,330 | 2,811 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9425% | 3,449 |
| Cost of funding earning assets | 0.1916% | 5,584 |
| Net interest margin | 3.7509% | 2,431 |
| Noninterest income to average assets | 1.0167% | 1,080 |
| Noninterest expense to average assets | 2.7726% | 3,334 |
| Loan and lease loss provision to assets | 0.0124% | 3,564 |
| Net operating income to assets | 1.1287% | 1,758 |
| Return on assets (ROA) | 1.1299% | 1,860 |
| Pretax return on assets | 1.6957% | 1,061 |
| Return on Equity (ROE) | 7.9718% | 2,972 |
| Retained earnings to average equity (ytd only) | 6.4748% | 2,246 |
| Net charge-offs to loans | -0.1446% | 5,969 |
| Credit loss provision to net charge-offs | -14.2857% | 4,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9029% | 4,814 |
| Assets per employee ($millions) | 4.1059% | 3,750 |
| Cash dividends to net income (ytd only)* | 18.7793% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 3,591 |
| Loan loss allowance to noncurrent loans | 533.2288% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 3,686 |
| Noncurrent loans to loans | 0.2379% | 4,924 |
| Net loans and leases to total assets | 57.5670% | 4,014 |
| Net loans and leases to deposits | 69.5472% | 3,797 |
| Net loans and leases to core deposits | 74.0425% | 3,771 |
| Total domestic deposits to total assets | 82.7740% | 4,243 |
| Equity capital to assets | 14.0972% | 953 |
| Core capital (leverage) ratio | 14.1121% | 791 |
| Tier 1 risk-based capital ratio | 22.1429% | 1,215 |
| Total risk-based capital ratio | 23.3130% | 1,213 |
| Memoranda: | ||
| Average total assets | $226,213,500 | 2,757 |
| Average earning assets | $208,803,000 | 2,742 |
| Average equity | $32,063,000 | 2,231 |
| Average total loans | $135,583,000 | 2,816 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0390% | 3,565 |
| Cost of funding earning assets | 0.1992% | 5,753 |
| Net interest margin | 3.8398% | 2,468 |
| Noninterest income to average assets | 1.0765% | 1,047 |
| Noninterest expense to average assets | 3.0546% | 2,670 |
| Loan and lease loss provision to assets | 0.0402% | 3,771 |
| Net operating income to assets | 1.0139% | 2,321 |
| Return on assets (ROA) | 0.9861% | 2,530 |
| Pretax return on assets | 1.4636% | 1,678 |
| Return on Equity (ROE) | 6.9911% | 3,641 |
| Retained earnings to average equity (ytd only) | 4.6585% | 2,852 |
| Net charge-offs to loans | 0.0372% | 4,093 |
| Credit loss provision to net charge-offs | 176.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 67.6400% | 726 |
| Efficiency ratio | 66.4051% | 4,182 |
| Assets per employee ($millions) | 4.0454% | 3,846 |
| Cash dividends to net income (ytd only)* | 33.3642% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 3,999 |
| Loan loss allowance to noncurrent loans | 663.3065% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 3,826 |
| Noncurrent loans to loans | 0.1809% | 5,181 |
| Net loans and leases to total assets | 60.8800% | 3,655 |
| Net loans and leases to deposits | 72.8739% | 3,572 |
| Net loans and leases to core deposits | 77.0590% | 3,606 |
| Total domestic deposits to total assets | 83.5417% | 3,904 |
| Equity capital to assets | 14.2529% | 886 |
| Core capital (leverage) ratio | 14.6301% | 675 |
| Tier 1 risk-based capital ratio | 22.9250% | 1,099 |
| Total risk-based capital ratio | 24.1142% | 1,079 |
| Memoranda: | ||
| Average total assets | $218,849,400 | 2,794 |
| Average earning assets | $200,817,200 | 2,799 |
| Average equity | $30,868,000 | 2,228 |
| Average total loans | $134,467,200 | 2,780 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 3,700 |
| Cost of funding earning assets | 0.2001% | 5,829 |
| Net interest margin | 3.8159% | 2,557 |
| Noninterest income to average assets | 1.0871% | 1,031 |
| Noninterest expense to average assets | 2.9849% | 2,853 |
| Loan and lease loss provision to assets | 0.0275% | 3,858 |
| Net operating income to assets | 1.0551% | 2,214 |
| Return on assets (ROA) | 1.0572% | 2,275 |
| Pretax return on assets | 1.5778% | 1,398 |
| Return on Equity (ROE) | 7.5152% | 3,438 |
| Retained earnings to average equity (ytd only) | 5.9495% | 2,447 |
| Net charge-offs to loans | 0.0110% | 4,352 |
| Credit loss provision to net charge-offs | 409.0909% | 682 |
| Earnings coverage of net charge-offs (x) | 238.0307% | 281 |
| Efficiency ratio | 65.0707% | 4,358 |
| Assets per employee ($millions) | 3.8014% | 4,288 |
| Cash dividends to net income (ytd only)* | 20.8334% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 4,254 |
| Loan loss allowance to noncurrent loans | 619.2453% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 3,479 |
| Noncurrent loans to loans | 0.1931% | 5,329 |
| Net loans and leases to total assets | 63.7098% | 3,232 |
| Net loans and leases to deposits | 77.0003% | 3,068 |
| Net loans and leases to core deposits | 82.0747% | 3,097 |
| Total domestic deposits to total assets | 82.7397% | 4,223 |
| Equity capital to assets | 14.7853% | 779 |
| Core capital (leverage) ratio | 14.5143% | 717 |
| Tier 1 risk-based capital ratio | 22.7224% | 1,156 |
| Total risk-based capital ratio | 23.9002% | 1,150 |
| Memoranda: | ||
| Average total assets | $217,938,000 | 2,827 |
| Average earning assets | $199,895,750 | 2,827 |
| Average equity | $30,657,000 | 2,251 |
| Average total loans | $133,809,000 | 2,807 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9336% | 3,999 |
| Cost of funding earning assets | 0.1987% | 5,926 |
| Net interest margin | 3.7349% | 2,823 |
| Noninterest income to average assets | 1.1119% | 961 |
| Noninterest expense to average assets | 2.9887% | 2,869 |
| Loan and lease loss provision to assets | 0.0273% | 3,720 |
| Net operating income to assets | 1.0196% | 2,246 |
| Return on assets (ROA) | 1.0227% | 2,304 |
| Pretax return on assets | 1.5244% | 1,463 |
| Return on Equity (ROE) | 7.3920% | 3,423 |
| Retained earnings to average equity (ytd only) | 5.8122% | 2,438 |
| Net charge-offs to loans | 0.0166% | 3,894 |
| Credit loss provision to net charge-offs | 272.7273% | 925 |
| Earnings coverage of net charge-offs (x) | 154.4545% | 402 |
| Efficiency ratio | 65.8904% | 4,379 |
| Assets per employee ($millions) | 3.8675% | 4,130 |
| Cash dividends to net income (ytd only)* | 21.3713% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 4,351 |
| Loan loss allowance to noncurrent loans | 558.7629% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 3,658 |
| Noncurrent loans to loans | 0.2177% | 5,357 |
| Net loans and leases to total assets | 59.8873% | 3,737 |
| Net loans and leases to deposits | 71.9617% | 3,573 |
| Net loans and leases to core deposits | 77.6179% | 3,484 |
| Total domestic deposits to total assets | 83.2211% | 4,221 |
| Equity capital to assets | 14.0794% | 941 |
| Core capital (leverage) ratio | 13.9327% | 854 |
| Tier 1 risk-based capital ratio | 23.1057% | 1,098 |
| Total risk-based capital ratio | 24.3107% | 1,087 |
| Memoranda: | ||
| Average total assets | $219,623,670 | 2,812 |
| Average earning assets | $201,344,330 | 2,821 |
| Average equity | $30,384,330 | 2,255 |
| Average total loans | $132,656,330 | 2,822 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9099% | 4,044 |
| Cost of funding earning assets | 0.1974% | 6,025 |
| Net interest margin | 3.7125% | 2,815 |
| Noninterest income to average assets | 1.1277% | 875 |
| Noninterest expense to average assets | 2.9871% | 2,907 |
| Loan and lease loss provision to assets | 0.0328% | 3,389 |
| Net operating income to assets | 1.0145% | 2,155 |
| Return on assets (ROA) | 1.0145% | 2,221 |
| Pretax return on assets | 1.5054% | 1,415 |
| Return on Equity (ROE) | 7.3992% | 3,254 |
| Retained earnings to average equity (ytd only) | 5.8022% | 2,646 |
| Net charge-offs to loans | -0.0030% | 4,742 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0081% | 4,523 |
| Assets per employee ($millions) | 3.8695% | 4,190 |
| Cash dividends to net income (ytd only)* | 21.5827% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 4,465 |
| Loan loss allowance to noncurrent loans | 804.9505% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 4,572 |
| Noncurrent loans to loans | 0.1532% | 5,623 |
| Net loans and leases to total assets | 59.0296% | 3,696 |
| Net loans and leases to deposits | 70.6483% | 3,522 |
| Net loans and leases to core deposits | 76.5731% | 3,353 |
| Total domestic deposits to total assets | 83.5541% | 4,434 |
| Equity capital to assets | 13.7673% | 1,006 |
| Core capital (leverage) ratio | 13.9097% | 850 |
| Tier 1 risk-based capital ratio | 22.8923% | 1,156 |
| Total risk-based capital ratio | 24.1036% | 1,146 |
| Memoranda: | ||
| Average total assets | $219,211,000 | 2,838 |
| Average earning assets | $200,619,500 | 2,844 |
| Average equity | $30,057,500 | 2,271 |
| Average total loans | $132,161,000 | 2,847 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2568% | 3,125 |
| Cost of funding earning assets | 0.1963% | 6,310 |
| Net interest margin | 4.0605% | 1,763 |
| Noninterest income to average assets | 1.1020% | 1,153 |
| Noninterest expense to average assets | 3.3035% | 2,139 |
| Loan and lease loss provision to assets | 0.0502% | 4,134 |
| Net operating income to assets | 0.9961% | 2,338 |
| Return on assets (ROA) | 0.9977% | 2,401 |
| Pretax return on assets | 1.4696% | 1,552 |
| Return on Equity (ROE) | 7.0106% | 3,554 |
| Retained earnings to average equity (ytd only) | 4.5920% | 2,887 |
| Net charge-offs to loans | 0.0325% | 4,783 |
| Credit loss provision to net charge-offs | 244.1860% | 938 |
| Earnings coverage of net charge-offs (x) | 73.8140% | 583 |
| Efficiency ratio | 68.5244% | 4,095 |
| Assets per employee ($millions) | 3.8904% | 4,086 |
| Cash dividends to net income (ytd only)* | 34.4993% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 4,595 |
| Loan loss allowance to noncurrent loans | 768.8995% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 4,597 |
| Noncurrent loans to loans | 0.1577% | 5,720 |
| Net loans and leases to total assets | 60.0809% | 3,702 |
| Net loans and leases to deposits | 71.4569% | 3,599 |
| Net loans and leases to core deposits | 77.2118% | 3,463 |
| Total domestic deposits to total assets | 84.0799% | 4,133 |
| Equity capital to assets | 13.6554% | 1,008 |
| Core capital (leverage) ratio | 14.3876% | 723 |
| Tier 1 risk-based capital ratio | 22.7060% | 1,147 |
| Total risk-based capital ratio | 23.9130% | 1,131 |
| Memoranda: | ||
| Average total assets | $209,171,400 | 2,923 |
| Average earning assets | $191,576,200 | 2,936 |
| Average equity | $29,769,200 | 2,267 |
| Average total loans | $132,316,800 | 2,817 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 3,025 |
| Cost of funding earning assets | 0.1952% | 6,420 |
| Net interest margin | 4.0976% | 1,639 |
| Noninterest income to average assets | 1.1208% | 1,167 |
| Noninterest expense to average assets | 3.1594% | 2,481 |
| Loan and lease loss provision to assets | 0.0386% | 4,237 |
| Net operating income to assets | 1.1308% | 1,879 |
| Return on assets (ROA) | 1.1330% | 1,945 |
| Pretax return on assets | 1.6856% | 1,132 |
| Return on Equity (ROE) | 7.8769% | 3,184 |
| Retained earnings to average equity (ytd only) | 6.2648% | 2,255 |
| Net charge-offs to loans | 0.0071% | 5,027 |
| Credit loss provision to net charge-offs | 857.1429% | 352 |
| Earnings coverage of net charge-offs (x) | 381.8414% | 154 |
| Efficiency ratio | 64.7354% | 4,692 |
| Assets per employee ($millions) | 3.5263% | 4,797 |
| Cash dividends to net income (ytd only)* | 20.4663% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 4,919 |
| Loan loss allowance to noncurrent loans | 547.2603% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 4,572 |
| Noncurrent loans to loans | 0.2171% | 5,690 |
| Net loans and leases to total assets | 64.9868% | 2,805 |
| Net loans and leases to deposits | 77.4631% | 2,750 |
| Net loans and leases to core deposits | 84.1101% | 2,639 |
| Total domestic deposits to total assets | 83.8940% | 4,237 |
| Equity capital to assets | 14.5830% | 796 |
| Core capital (leverage) ratio | 14.6221% | 707 |
| Tier 1 risk-based capital ratio | 22.5443% | 1,217 |
| Total risk-based capital ratio | 23.7347% | 1,208 |
| Memoranda: | ||
| Average total assets | $206,998,500 | 2,962 |
| Average earning assets | $189,929,250 | 2,974 |
| Average equity | $29,774,000 | 2,282 |
| Average total loans | $132,270,750 | 2,832 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 3,249 |
| Cost of funding earning assets | 0.1896% | 6,527 |
| Net interest margin | 4.0382% | 1,735 |
| Noninterest income to average assets | 1.1375% | 1,178 |
| Noninterest expense to average assets | 3.1835% | 2,398 |
| Loan and lease loss provision to assets | 0.0318% | 4,296 |
| Net operating income to assets | 1.1016% | 1,921 |
| Return on assets (ROA) | 1.1048% | 2,028 |
| Pretax return on assets | 1.6370% | 1,260 |
| Return on Equity (ROE) | 7.7159% | 3,230 |
| Retained earnings to average equity (ytd only) | 6.1028% | 2,371 |
| Net charge-offs to loans | -0.0228% | 6,009 |
| Credit loss provision to net charge-offs | -220.0000% | 5,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6740% | 4,606 |
| Assets per employee ($millions) | 3.6351% | 4,541 |
| Cash dividends to net income (ytd only)* | 20.9059% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 5,083 |
| Loan loss allowance to noncurrent loans | 318.6000% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.8002% | 4,227 |
| Noncurrent loans to loans | 0.3709% | 5,350 |
| Net loans and leases to total assets | 63.1835% | 3,064 |
| Net loans and leases to deposits | 75.2527% | 2,981 |
| Net loans and leases to core deposits | 79.6638% | 3,067 |
| Total domestic deposits to total assets | 83.9619% | 4,333 |
| Equity capital to assets | 14.1338% | 926 |
| Core capital (leverage) ratio | 14.1067% | 795 |
| Tier 1 risk-based capital ratio | 22.1457% | 1,258 |
| Total risk-based capital ratio | 23.3306% | 1,246 |
| Memoranda: | ||
| Average total assets | $207,822,670 | 2,971 |
| Average earning assets | $190,927,670 | 2,978 |
| Average equity | $29,756,670 | 2,295 |
| Average total loans | $131,523,330 | 2,854 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 3,183 |
| Cost of funding earning assets | 0.1879% | 6,633 |
| Net interest margin | 4.0420% | 1,640 |
| Noninterest income to average assets | 1.1574% | 1,118 |
| Noninterest expense to average assets | 3.1544% | 2,501 |
| Loan and lease loss provision to assets | 0.0310% | 4,066 |
| Net operating income to assets | 1.1386% | 1,719 |
| Return on assets (ROA) | 1.1439% | 1,818 |
| Pretax return on assets | 1.6906% | 1,099 |
| Return on Equity (ROE) | 7.9366% | 3,012 |
| Retained earnings to average equity (ytd only) | 6.3224% | 2,494 |
| Net charge-offs to loans | 0.0031% | 4,108 |
| Credit loss provision to net charge-offs | 1,600.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 884.0000% | 26 |
| Efficiency ratio | 64.7949% | 4,865 |
| Assets per employee ($millions) | 3.6549% | 4,663 |
| Cash dividends to net income (ytd only)* | 20.3390% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 5,175 |
| Loan loss allowance to noncurrent loans | 406.2500% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 4,603 |
| Noncurrent loans to loans | 0.2953% | 5,667 |
| Net loans and leases to total assets | 61.6671% | 3,132 |
| Net loans and leases to deposits | 73.1495% | 3,030 |
| Net loans and leases to core deposits | 79.0333% | 2,923 |
| Total domestic deposits to total assets | 84.3028% | 4,353 |
| Equity capital to assets | 14.3575% | 917 |
| Core capital (leverage) ratio | 14.0004% | 799 |
| Tier 1 risk-based capital ratio | 22.4612% | 1,249 |
| Total risk-based capital ratio | 23.6557% | 1,239 |
| Memoranda: | ||
| Average total assets | $206,316,500 | 3,022 |
| Average earning assets | $189,413,500 | 3,020 |
| Average equity | $29,735,500 | 2,319 |
| Average total loans | $129,882,000 | 2,896 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 3,251 |
| Cost of funding earning assets | 0.4708% | 5,417 |
| Net interest margin | 4.0664% | 2,130 |
| Noninterest income to average assets | 0.8925% | 1,887 |
| Noninterest expense to average assets | 3.3974% | 2,056 |
| Loan and lease loss provision to assets | 0.0929% | 4,508 |
| Net operating income to assets | 0.8044% | 3,268 |
| Return on assets (ROA) | 0.9791% | 2,654 |
| Pretax return on assets | 1.3776% | 2,117 |
| Return on Equity (ROE) | 6.8043% | 3,759 |
| Retained earnings to average equity (ytd only) | 3.5415% | 3,725 |
| Net charge-offs to loans | 0.0964% | 4,700 |
| Credit loss provision to net charge-offs | 158.3333% | 1,695 |
| Earnings coverage of net charge-offs (x) | 20.8667% | 1,331 |
| Efficiency ratio | 73.5054% | 3,152 |
| Assets per employee ($millions) | 3.4051% | 5,199 |
| Cash dividends to net income (ytd only)* | 47.9520% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 5,155 |
| Loan loss allowance to noncurrent loans | 137.7005% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8424% | 4,368 |
| Noncurrent loans to loans | 0.8649% | 4,453 |
| Net loans and leases to total assets | 62.7441% | 3,110 |
| Net loans and leases to deposits | 74.5500% | 3,012 |
| Net loans and leases to core deposits | 80.4009% | 2,958 |
| Total domestic deposits to total assets | 84.1637% | 4,247 |
| Equity capital to assets | 14.4687% | 886 |
| Core capital (leverage) ratio | 14.3973% | 696 |
| Tier 1 risk-based capital ratio | 23.2310% | 1,072 |
| Total risk-based capital ratio | 24.4813% | 1,058 |
| Memoranda: | ||
| Average total assets | $204,480,000 | 2,989 |
| Average earning assets | $187,536,000 | 2,994 |
| Average equity | $29,422,600 | 2,285 |
| Average total loans | $124,445,600 | 2,991 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 3,394 |
| Cost of funding earning assets | 0.5660% | 4,952 |
| Net interest margin | 3.9924% | 2,532 |
| Noninterest income to average assets | 0.8429% | 2,064 |
| Noninterest expense to average assets | 3.2302% | 2,479 |
| Loan and lease loss provision to assets | 0.0750% | 4,720 |
| Net operating income to assets | 0.8335% | 3,291 |
| Return on assets (ROA) | 1.0593% | 2,470 |
| Pretax return on assets | 1.5300% | 1,780 |
| Return on Equity (ROE) | 7.3724% | 3,596 |
| Retained earnings to average equity (ytd only) | 5.7391% | 2,873 |
| Net charge-offs to loans | 0.0271% | 5,285 |
| Credit loss provision to net charge-offs | 460.0000% | 581 |
| Earnings coverage of net charge-offs (x) | 78.4059% | 526 |
| Efficiency ratio | 71.6558% | 3,382 |
| Assets per employee ($millions) | 3.1946% | 5,644 |
| Cash dividends to net income (ytd only)* | 22.1540% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 5,260 |
| Loan loss allowance to noncurrent loans | 100.0639% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.0679% | 4,151 |
| Noncurrent loans to loans | 1.2030% | 4,045 |
| Net loans and leases to total assets | 65.9091% | 2,668 |
| Net loans and leases to deposits | 79.4722% | 2,478 |
| Net loans and leases to core deposits | 86.0511% | 2,458 |
| Total domestic deposits to total assets | 82.9335% | 4,664 |
| Equity capital to assets | 15.3336% | 745 |
| Core capital (leverage) ratio | 14.4150% | 731 |
| Tier 1 risk-based capital ratio | 23.4719% | 1,096 |
| Total risk-based capital ratio | 24.7249% | 1,075 |
| Memoranda: | ||
| Average total assets | $204,524,250 | 3,023 |
| Average earning assets | $187,752,000 | 3,021 |
| Average equity | $29,388,250 | 2,309 |
| Average total loans | $123,123,750 | 3,050 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 3,942 |
| Cost of funding earning assets | 0.4065% | 6,230 |
| Net interest margin | 4.0523% | 2,288 |
| Noninterest income to average assets | 0.8973% | 1,798 |
| Noninterest expense to average assets | 3.1770% | 2,664 |
| Loan and lease loss provision to assets | 0.0481% | 5,073 |
| Net operating income to assets | 0.9810% | 2,540 |
| Return on assets (ROA) | 0.9810% | 2,780 |
| Pretax return on assets | 1.3960% | 2,211 |
| Return on Equity (ROE) | 6.9737% | 3,795 |
| Retained earnings to average equity (ytd only) | 5.3312% | 3,074 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 3,981 |
| Assets per employee ($millions) | 3.2720% | 5,508 |
| Cash dividends to net income (ytd only)* | 23.5525% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 5,321 |
| Loan loss allowance to noncurrent loans | 133.1878% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 4,760 |
| Noncurrent loans to loans | 0.9070% | 4,686 |
| Net loans and leases to total assets | 60.5010% | 3,735 |
| Net loans and leases to deposits | 74.0219% | 3,290 |
| Net loans and leases to core deposits | 80.3498% | 3,169 |
| Total domestic deposits to total assets | 81.7340% | 5,224 |
| Equity capital to assets | 14.3996% | 947 |
| Core capital (leverage) ratio | 13.4169% | 1,006 |
| Tier 1 risk-based capital ratio | 23.5143% | 1,073 |
| Total risk-based capital ratio | 24.6466% | 1,068 |
| Memoranda: | ||
| Average total assets | $207,741,330 | 2,999 |
| Average earning assets | $190,903,330 | 2,981 |
| Average equity | $29,224,000 | 2,304 |
| Average total loans | $120,830,330 | 3,117 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4286% | 4,205 |
| Cost of funding earning assets | 0.4286% | 6,268 |
| Net interest margin | 4.0000% | 2,509 |
| Noninterest income to average assets | 0.9015% | 1,741 |
| Noninterest expense to average assets | 3.1264% | 2,829 |
| Loan and lease loss provision to assets | 0.0288% | 5,004 |
| Net operating income to assets | 0.9916% | 2,512 |
| Return on assets (ROA) | 0.9916% | 2,706 |
| Pretax return on assets | 1.4155% | 2,138 |
| Return on Equity (ROE) | 7.1324% | 3,703 |
| Retained earnings to average equity (ytd only) | 5.4769% | 3,274 |
| Net charge-offs to loans | 0.0068% | 4,647 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 376.5000% | 76 |
| Efficiency ratio | 68.4012% | 4,096 |
| Assets per employee ($millions) | 3.3608% | 5,431 |
| Cash dividends to net income (ytd only)* | 23.2108% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 5,320 |
| Loan loss allowance to noncurrent loans | 134.1749% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.8643% | 4,795 |
| Noncurrent loans to loans | 0.9238% | 4,820 |
| Net loans and leases to total assets | 55.9970% | 4,388 |
| Net loans and leases to deposits | 68.6740% | 3,930 |
| Net loans and leases to core deposits | 73.7975% | 3,920 |
| Total domestic deposits to total assets | 81.5403% | 5,451 |
| Equity capital to assets | 13.7661% | 1,108 |
| Core capital (leverage) ratio | 13.3812% | 994 |
| Tier 1 risk-based capital ratio | 23.9880% | 1,009 |
| Total risk-based capital ratio | 25.1358% | 1,009 |
| Memoranda: | ||
| Average total assets | $208,543,500 | 3,003 |
| Average earning assets | $191,300,000 | 3,006 |
| Average equity | $28,994,500 | 2,322 |
| Average total loans | $118,125,500 | 3,195 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 3,926 |
| Cost of funding earning assets | 0.5487% | 6,344 |
| Net interest margin | 4.2266% | 1,971 |
| Noninterest income to average assets | 0.9300% | 1,573 |
| Noninterest expense to average assets | 3.2608% | 2,653 |
| Loan and lease loss provision to assets | 0.1167% | 5,141 |
| Net operating income to assets | 0.9976% | 2,205 |
| Return on assets (ROA) | 1.0050% | 2,321 |
| Pretax return on assets | 1.4595% | 1,601 |
| Return on Equity (ROE) | 6.9294% | 3,429 |
| Retained earnings to average equity (ytd only) | 4.3810% | 3,059 |
| Net charge-offs to loans | 0.1595% | 4,869 |
| Credit loss provision to net charge-offs | 124.7253% | 2,515 |
| Earnings coverage of net charge-offs (x) | 16.7308% | 1,306 |
| Efficiency ratio | 67.5650% | 4,452 |
| Assets per employee ($millions) | 3.3665% | 5,331 |
| Cash dividends to net income (ytd only)* | 36.7775% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 5,069 |
| Loan loss allowance to noncurrent loans | 126.0684% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9301% | 4,746 |
| Noncurrent loans to loans | 1.0069% | 4,691 |
| Net loans and leases to total assets | 55.8664% | 4,731 |
| Net loans and leases to deposits | 68.8060% | 4,312 |
| Net loans and leases to core deposits | 73.8185% | 4,265 |
| Total domestic deposits to total assets | 81.1941% | 5,389 |
| Equity capital to assets | 14.0449% | 1,044 |
| Core capital (leverage) ratio | 13.9873% | 826 |
| Tier 1 risk-based capital ratio | 24.7377% | 896 |
| Total risk-based capital ratio | 25.9317% | 893 |
| Memoranda: | ||
| Average total assets | $194,521,800 | 3,123 |
| Average earning assets | $179,317,600 | 3,097 |
| Average equity | $28,213,000 | 2,320 |
| Average total loans | $114,086,200 | 3,293 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8260% | 3,905 |
| Cost of funding earning assets | 0.5713% | 6,423 |
| Net interest margin | 4.2547% | 1,897 |
| Noninterest income to average assets | 0.9690% | 1,422 |
| Noninterest expense to average assets | 3.0286% | 3,444 |
| Loan and lease loss provision to assets | 0.0945% | 5,285 |
| Net operating income to assets | 1.2179% | 1,606 |
| Return on assets (ROA) | 1.2269% | 1,689 |
| Pretax return on assets | 1.7934% | 969 |
| Return on Equity (ROE) | 8.3878% | 2,874 |
| Retained earnings to average equity (ytd only) | 6.6770% | 2,149 |
| Net charge-offs to loans | 0.0528% | 5,445 |
| Credit loss provision to net charge-offs | 302.2222% | 940 |
| Earnings coverage of net charge-offs (x) | 59.9318% | 552 |
| Efficiency ratio | 61.7664% | 5,451 |
| Assets per employee ($millions) | 3.3773% | 5,305 |
| Cash dividends to net income (ytd only)* | 20.3967% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 4,867 |
| Loan loss allowance to noncurrent loans | 74.7788% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.2166% | 4,361 |
| Noncurrent loans to loans | 1.7795% | 3,667 |
| Net loans and leases to total assets | 57.5753% | 4,572 |
| Net loans and leases to deposits | 72.1112% | 3,970 |
| Net loans and leases to core deposits | 78.1115% | 3,889 |
| Total domestic deposits to total assets | 79.8424% | 5,783 |
| Equity capital to assets | 14.8529% | 891 |
| Core capital (leverage) ratio | 14.5638% | 756 |
| Tier 1 risk-based capital ratio | 25.2825% | 885 |
| Total risk-based capital ratio | 26.5303% | 878 |
| Memoranda: | ||
| Average total assets | $191,813,250 | 3,177 |
| Average earning assets | $177,366,500 | 3,143 |
| Average equity | $28,055,750 | 2,329 |
| Average total loans | $113,557,750 | 3,331 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 3,590 |
| Cost of funding earning assets | 0.5825% | 6,532 |
| Net interest margin | 4.3240% | 1,582 |
| Noninterest income to average assets | 0.9839% | 1,366 |
| Noninterest expense to average assets | 3.0432% | 3,466 |
| Loan and lease loss provision to assets | 0.0987% | 5,085 |
| Net operating income to assets | 1.2537% | 1,434 |
| Return on assets (ROA) | 1.2601% | 1,483 |
| Pretax return on assets | 1.8503% | 790 |
| Return on Equity (ROE) | 8.6612% | 2,652 |
| Retained earnings to average equity (ytd only) | 6.9290% | 1,911 |
| Net charge-offs to loans | 0.0124% | 5,677 |
| Credit loss provision to net charge-offs | 1,342.8571% | 264 |
| Earnings coverage of net charge-offs (x) | 263.8571% | 128 |
| Efficiency ratio | 61.0748% | 5,718 |
| Assets per employee ($millions) | 3.3501% | 5,324 |
| Cash dividends to net income (ytd only)* | 20.0000% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 4,963 |
| Loan loss allowance to noncurrent loans | 119.5429% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 5,414 |
| Noncurrent loans to loans | 1.1053% | 4,822 |
| Net loans and leases to total assets | 59.3275% | 4,409 |
| Net loans and leases to deposits | 74.4942% | 3,717 |
| Net loans and leases to core deposits | 79.2653% | 3,889 |
| Total domestic deposits to total assets | 79.6404% | 5,913 |
| Equity capital to assets | 14.8683% | 848 |
| Core capital (leverage) ratio | 14.2316% | 815 |
| Tier 1 risk-based capital ratio | 24.6699% | 932 |
| Total risk-based capital ratio | 25.9162% | 915 |
| Memoranda: | ||
| Average total assets | $190,457,330 | 3,217 |
| Average earning assets | $176,131,330 | 3,183 |
| Average equity | $27,709,670 | 2,337 |
| Average total loans | $113,310,330 | 3,376 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 4,307 |
| Cost of funding earning assets | 0.5904% | 6,650 |
| Net interest margin | 4.1556% | 2,057 |
| Noninterest income to average assets | 1.1608% | 959 |
| Noninterest expense to average assets | 3.0072% | 3,618 |
| Loan and lease loss provision to assets | 0.0904% | 4,884 |
| Net operating income to assets | 1.3080% | 1,248 |
| Return on assets (ROA) | 1.3123% | 1,284 |
| Pretax return on assets | 1.9179% | 654 |
| Return on Equity (ROE) | 9.1200% | 2,425 |
| Retained earnings to average equity (ytd only) | 7.3661% | 2,000 |
| Net charge-offs to loans | 0.0107% | 4,942 |
| Credit loss provision to net charge-offs | 1,433.3333% | 282 |
| Earnings coverage of net charge-offs (x) | 317.3333% | 91 |
| Efficiency ratio | 60.0336% | 5,979 |
| Assets per employee ($millions) | 3.4105% | 5,214 |
| Cash dividends to net income (ytd only)* | 19.2308% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 5,128 |
| Loan loss allowance to noncurrent loans | 143.3723% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 5,722 |
| Noncurrent loans to loans | 0.9069% | 5,231 |
| Net loans and leases to total assets | 58.4651% | 4,563 |
| Net loans and leases to deposits | 73.2508% | 3,881 |
| Net loans and leases to core deposits | 78.9293% | 3,907 |
| Total domestic deposits to total assets | 79.8151% | 5,991 |
| Equity capital to assets | 14.4799% | 885 |
| Core capital (leverage) ratio | 13.9249% | 872 |
| Tier 1 risk-based capital ratio | 24.3492% | 939 |
| Total risk-based capital ratio | 25.6007% | 925 |
| Memoranda: | ||
| Average total assets | $190,207,500 | 3,246 |
| Average earning assets | $176,148,500 | 3,208 |
| Average equity | $27,368,500 | 2,343 |
| Average total loans | $112,562,000 | 3,428 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1014% | 4,089 |
| Cost of funding earning assets | 0.8686% | 6,304 |
| Net interest margin | 4.2328% | 2,053 |
| Noninterest income to average assets | 0.9670% | 1,621 |
| Noninterest expense to average assets | 3.3032% | 2,733 |
| Loan and lease loss provision to assets | 0.1102% | 6,053 |
| Net operating income to assets | 1.0042% | 2,027 |
| Return on assets (ROA) | 1.0491% | 1,976 |
| Pretax return on assets | 1.5417% | 1,270 |
| Return on Equity (ROE) | 7.5214% | 2,889 |
| Retained earnings to average equity (ytd only) | 4.8392% | 2,517 |
| Net charge-offs to loans | 0.3806% | 4,138 |
| Credit loss provision to net charge-offs | 50.1182% | 6,255 |
| Earnings coverage of net charge-offs (x) | 7.2151% | 2,176 |
| Efficiency ratio | 67.5630% | 4,653 |
| Assets per employee ($millions) | 3.3826% | 5,212 |
| Cash dividends to net income (ytd only)* | 35.6612% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 5,121 |
| Loan loss allowance to noncurrent loans | 349.6333% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 6,523 |
| Noncurrent loans to loans | 0.3652% | 6,327 |
| Net loans and leases to total assets | 58.3663% | 4,972 |
| Net loans and leases to deposits | 72.9063% | 4,366 |
| Net loans and leases to core deposits | 78.2334% | 4,430 |
| Total domestic deposits to total assets | 80.0566% | 5,820 |
| Equity capital to assets | 14.2969% | 952 |
| Core capital (leverage) ratio | 13.4544% | 981 |
| Tier 1 risk-based capital ratio | 23.9804% | 934 |
| Total risk-based capital ratio | 25.2312% | 916 |
| Memoranda: | ||
| Average total assets | $192,451,800 | 3,193 |
| Average earning assets | $178,323,600 | 3,142 |
| Average equity | $26,843,400 | 2,385 |
| Average total loans | $111,151,800 | 3,517 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0753% | 4,450 |
| Cost of funding earning assets | 0.9160% | 6,329 |
| Net interest margin | 4.1593% | 2,364 |
| Noninterest income to average assets | 0.9392% | 1,652 |
| Noninterest expense to average assets | 3.0571% | 3,549 |
| Loan and lease loss provision to assets | 0.0366% | 6,715 |
| Net operating income to assets | 1.1668% | 1,686 |
| Return on assets (ROA) | 1.2263% | 1,601 |
| Pretax return on assets | 1.7859% | 951 |
| Return on Equity (ROE) | 8.8459% | 2,542 |
| Retained earnings to average equity (ytd only) | 7.0539% | 1,811 |
| Net charge-offs to loans | 0.2271% | 4,570 |
| Credit loss provision to net charge-offs | 28.0423% | 6,175 |
| Earnings coverage of net charge-offs (x) | 13.3124% | 1,595 |
| Efficiency ratio | 63.7777% | 5,285 |
| Assets per employee ($millions) | 3.3199% | 5,403 |
| Cash dividends to net income (ytd only)* | 20.2590% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 4,858 |
| Loan loss allowance to noncurrent loans | 138.3272% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 5,852 |
| Noncurrent loans to loans | 0.9532% | 5,329 |
| Net loans and leases to total assets | 58.4971% | 5,182 |
| Net loans and leases to deposits | 72.9579% | 4,697 |
| Net loans and leases to core deposits | 78.3025% | 4,770 |
| Total domestic deposits to total assets | 80.1792% | 5,645 |
| Equity capital to assets | 14.3787% | 1,056 |
| Core capital (leverage) ratio | 13.5438% | 1,046 |
| Tier 1 risk-based capital ratio | 23.9957% | 948 |
| Total risk-based capital ratio | 25.2471% | 922 |
| Memoranda: | ||
| Average total assets | $193,208,250 | 3,235 |
| Average earning assets | $179,033,500 | 3,171 |
| Average equity | $26,783,750 | 2,431 |
| Average total loans | $110,942,000 | 3,582 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0258% | 4,821 |
| Cost of funding earning assets | 0.9739% | 6,264 |
| Net interest margin | 4.0519% | 2,779 |
| Noninterest income to average assets | 0.9244% | 1,602 |
| Noninterest expense to average assets | 2.9768% | 3,799 |
| Loan and lease loss provision to assets | 0.0290% | 6,657 |
| Net operating income to assets | 1.1542% | 1,685 |
| Return on assets (ROA) | 1.2284% | 1,551 |
| Pretax return on assets | 1.7816% | 921 |
| Return on Equity (ROE) | 8.9719% | 2,476 |
| Retained earnings to average equity (ytd only) | 7.1594% | 1,768 |
| Net charge-offs to loans | 0.3568% | 3,568 |
| Credit loss provision to net charge-offs | 14.2857% | 5,904 |
| Earnings coverage of net charge-offs (x) | 8.4031% | 2,140 |
| Efficiency ratio | 63.6103% | 5,409 |
| Assets per employee ($millions) | 3.4309% | 5,095 |
| Cash dividends to net income (ytd only)* | 20.2020% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 4,927 |
| Loan loss allowance to noncurrent loans | 118.5036% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6586% | 5,849 |
| Noncurrent loans to loans | 1.0960% | 5,127 |
| Net loans and leases to total assets | 57.2404% | 5,529 |
| Net loans and leases to deposits | 70.0853% | 5,268 |
| Net loans and leases to core deposits | 74.8154% | 5,345 |
| Total domestic deposits to total assets | 81.6724% | 5,119 |
| Equity capital to assets | 13.8610% | 1,217 |
| Core capital (leverage) ratio | 13.2243% | 1,131 |
| Tier 1 risk-based capital ratio | 23.8185% | 958 |
| Total risk-based capital ratio | 25.0694% | 939 |
| Memoranda: | ||
| Average total assets | $193,426,000 | 3,253 |
| Average earning assets | $179,273,670 | 3,201 |
| Average equity | $26,482,670 | 2,454 |
| Average total loans | $109,874,670 | 3,640 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9160% | 5,382 |
| Cost of funding earning assets | 1.0393% | 6,176 |
| Net interest margin | 3.8767% | 3,426 |
| Noninterest income to average assets | 0.9545% | 1,438 |
| Noninterest expense to average assets | 2.9445% | 3,885 |
| Loan and lease loss provision to assets | 0.0291% | 6,386 |
| Net operating income to assets | 1.0984% | 1,831 |
| Return on assets (ROA) | 1.1042% | 1,901 |
| Pretax return on assets | 1.5804% | 1,313 |
| Return on Equity (ROE) | 8.1160% | 2,826 |
| Retained earnings to average equity (ytd only) | 6.2819% | 2,478 |
| Net charge-offs to loans | 0.7400% | 2,026 |
| Credit loss provision to net charge-offs | 7.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | 3.8500% | 2,764 |
| Efficiency ratio | 64.7758% | 5,346 |
| Assets per employee ($millions) | 3.3669% | 5,380 |
| Cash dividends to net income (ytd only)* | 22.5989% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 4,855 |
| Loan loss allowance to noncurrent loans | 146.6734% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5310% | 6,175 |
| Noncurrent loans to loans | 0.8956% | 5,527 |
| Net loans and leases to total assets | 55.9776% | 5,746 |
| Net loans and leases to deposits | 68.6303% | 5,517 |
| Net loans and leases to core deposits | 74.4168% | 5,455 |
| Total domestic deposits to total assets | 81.5639% | 5,246 |
| Equity capital to assets | 13.5196% | 1,317 |
| Core capital (leverage) ratio | 12.9223% | 1,236 |
| Tier 1 risk-based capital ratio | 23.8679% | 976 |
| Total risk-based capital ratio | 25.1185% | 955 |
| Memoranda: | ||
| Average total assets | $192,357,500 | 3,330 |
| Average earning assets | $178,192,500 | 3,281 |
| Average equity | $26,170,500 | 2,504 |
| Average total loans | $108,105,000 | 3,730 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3378% | 4,990 |
| Cost of funding earning assets | 1.2899% | 6,340 |
| Net interest margin | 4.0479% | 2,659 |
| Noninterest income to average assets | 0.9445% | 1,772 |
| Noninterest expense to average assets | 3.2544% | 3,178 |
| Loan and lease loss provision to assets | 0.1180% | 6,462 |
| Net operating income to assets | 0.9680% | 1,949 |
| Return on assets (ROA) | 0.9869% | 1,933 |
| Pretax return on assets | 1.3295% | 1,613 |
| Return on Equity (ROE) | 7.1909% | 2,715 |
| Retained earnings to average equity (ytd only) | 4.8137% | 1,915 |
| Net charge-offs to loans | 0.1319% | 5,879 |
| Credit loss provision to net charge-offs | 153.9007% | 2,969 |
| Earnings coverage of net charge-offs (x) | 18.5461% | 1,120 |
| Efficiency ratio | 69.5930% | 4,715 |
| Assets per employee ($millions) | 3.3234% | 5,447 |
| Cash dividends to net income (ytd only)* | 33.0579% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 3,450 |
| Loan loss allowance to noncurrent loans | 188.4041% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 6,240 |
| Noncurrent loans to loans | 0.8260% | 5,637 |
| Net loans and leases to total assets | 54.7950% | 6,105 |
| Net loans and leases to deposits | 67.1838% | 5,924 |
| Net loans and leases to core deposits | 84.3218% | 5,686 |
| Total domestic deposits to total assets | 81.5599% | 5,129 |
| Equity capital to assets | 13.6934% | 1,254 |
| Core capital (leverage) ratio | 13.2613% | 1,173 |
| Tier 1 risk-based capital ratio | 25.0978% | 833 |
| Total risk-based capital ratio | 26.3484% | 811 |
| Memoranda: | ||
| Average total assets | $183,907,400 | 3,366 |
| Average earning assets | $169,544,200 | 3,357 |
| Average equity | $25,240,400 | 2,587 |
| Average total loans | $106,882,600 | 3,756 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4264% | 4,816 |
| Cost of funding earning assets | 1.3459% | 6,410 |
| Net interest margin | 4.0805% | 2,478 |
| Noninterest income to average assets | 0.8948% | 2,003 |
| Noninterest expense to average assets | 3.1009% | 3,646 |
| Loan and lease loss provision to assets | 0.0789% | 6,577 |
| Net operating income to assets | 1.0681% | 1,837 |
| Return on assets (ROA) | 1.0928% | 1,816 |
| Pretax return on assets | 1.5099% | 1,389 |
| Return on Equity (ROE) | 7.9576% | 2,656 |
| Retained earnings to average equity (ytd only) | 6.0427% | 1,926 |
| Net charge-offs to loans | 0.0634% | 6,065 |
| Credit loss provision to net charge-offs | 211.7647% | 2,075 |
| Earnings coverage of net charge-offs (x) | 41.7244% | 727 |
| Efficiency ratio | 66.6091% | 5,266 |
| Assets per employee ($millions) | 3.2094% | 5,626 |
| Cash dividends to net income (ytd only)* | 24.0642% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 3,330 |
| Loan loss allowance to noncurrent loans | 202.4969% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4550% | 6,319 |
| Noncurrent loans to loans | 0.7503% | 5,806 |
| Net loans and leases to total assets | 56.4782% | 6,092 |
| Net loans and leases to deposits | 69.8958% | 5,930 |
| Net loans and leases to core deposits | 86.5620% | 5,813 |
| Total domestic deposits to total assets | 80.8034% | 5,154 |
| Equity capital to assets | 13.8744% | 1,348 |
| Core capital (leverage) ratio | 13.4259% | 1,252 |
| Tier 1 risk-based capital ratio | 24.3333% | 973 |
| Total risk-based capital ratio | 25.5880% | 948 |
| Memoranda: | ||
| Average total assets | $182,525,500 | 3,426 |
| Average earning assets | $168,211,000 | 3,401 |
| Average equity | $25,065,500 | 2,632 |
| Average total loans | $107,242,750 | 3,794 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5417% | 4,377 |
| Cost of funding earning assets | 1.4085% | 6,447 |
| Net interest margin | 4.1332% | 2,217 |
| Noninterest income to average assets | 0.8637% | 2,132 |
| Noninterest expense to average assets | 3.0742% | 3,799 |
| Loan and lease loss provision to assets | 0.0728% | 6,467 |
| Net operating income to assets | 1.0969% | 1,782 |
| Return on assets (ROA) | 1.1295% | 1,751 |
| Pretax return on assets | 1.5619% | 1,300 |
| Return on Equity (ROE) | 8.2542% | 2,666 |
| Retained earnings to average equity (ytd only) | 6.3196% | 1,872 |
| Net charge-offs to loans | 0.0745% | 5,462 |
| Credit loss provision to net charge-offs | 165.0000% | 2,777 |
| Earnings coverage of net charge-offs (x) | 36.0250% | 881 |
| Efficiency ratio | 65.9177% | 5,561 |
| Assets per employee ($millions) | 3.1072% | 5,848 |
| Cash dividends to net income (ytd only)* | 23.4375% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 3,176 |
| Loan loss allowance to noncurrent loans | 1,420.5357% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 7,339 |
| Noncurrent loans to loans | 0.1058% | 7,260 |
| Net loans and leases to total assets | 56.8887% | 6,100 |
| Net loans and leases to deposits | 70.3132% | 5,957 |
| Net loans and leases to core deposits | 86.3071% | 5,871 |
| Total domestic deposits to total assets | 80.9075% | 5,109 |
| Equity capital to assets | 13.6666% | 1,434 |
| Core capital (leverage) ratio | 13.1903% | 1,373 |
| Tier 1 risk-based capital ratio | 24.3524% | 993 |
| Total risk-based capital ratio | 25.6070% | 978 |
| Memoranda: | ||
| Average total assets | $181,318,000 | 3,462 |
| Average earning assets | $166,699,000 | 3,449 |
| Average equity | $24,811,670 | 2,660 |
| Average total loans | $107,405,330 | 3,822 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5956% | 4,384 |
| Cost of funding earning assets | 1.4527% | 6,563 |
| Net interest margin | 4.1429% | 2,113 |
| Noninterest income to average assets | 0.9317% | 1,729 |
| Noninterest expense to average assets | 2.9948% | 3,791 |
| Loan and lease loss provision to assets | 0.0466% | 6,387 |
| Net operating income to assets | 1.2008% | 1,651 |
| Return on assets (ROA) | 1.3110% | 1,453 |
| Pretax return on assets | 1.8479% | 896 |
| Return on Equity (ROE) | 9.5745% | 2,505 |
| Retained earnings to average equity (ytd only) | 7.6305% | 1,963 |
| Net charge-offs to loans | 0.0037% | 5,671 |
| Credit loss provision to net charge-offs | 2,100.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 784.0000% | 22 |
| Efficiency ratio | 63.2615% | 5,823 |
| Assets per employee ($millions) | 3.0969% | 5,895 |
| Cash dividends to net income (ytd only)* | 20.3046% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 3,122 |
| Loan loss allowance to noncurrent loans | 405.3708% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 6,850 |
| Noncurrent loans to loans | 0.3634% | 6,521 |
| Net loans and leases to total assets | 58.0175% | 5,936 |
| Net loans and leases to deposits | 72.1773% | 5,720 |
| Net loans and leases to core deposits | 89.0144% | 5,646 |
| Total domestic deposits to total assets | 80.3819% | 5,220 |
| Equity capital to assets | 13.6488% | 1,482 |
| Core capital (leverage) ratio | 13.0627% | 1,461 |
| Tier 1 risk-based capital ratio | 23.6965% | 1,116 |
| Total risk-based capital ratio | 24.9503% | 1,092 |
| Memoranda: | ||
| Average total assets | $180,315,500 | 3,505 |
| Average earning assets | $165,487,000 | 3,482 |
| Average equity | $24,690,500 | 2,685 |
| Average total loans | $108,167,500 | 3,832 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2582% | 4,198 |
| Cost of funding earning assets | 1.9155% | 6,689 |
| Net interest margin | 4.3427% | 1,847 |
| Noninterest income to average assets | 1.0356% | 1,467 |
| Noninterest expense to average assets | 3.2632% | 3,101 |
| Loan and lease loss provision to assets | 0.1106% | 5,955 |
| Net operating income to assets | 1.1979% | 1,773 |
| Return on assets (ROA) | 1.1959% | 1,715 |
| Pretax return on assets | 1.6626% | 1,235 |
| Return on Equity (ROE) | 8.9857% | 2,650 |
| Retained earnings to average equity (ytd only) | 5.9325% | 1,559 |
| Net charge-offs to loans | 0.0259% | 6,472 |
| Credit loss provision to net charge-offs | 700.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 112.3929% | 392 |
| Efficiency ratio | 64.7553% | 5,380 |
| Assets per employee ($millions) | 3.0155% | 6,022 |
| Cash dividends to net income (ytd only)* | 33.9783% | 3,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 2,976 |
| Loan loss allowance to noncurrent loans | 1,908.5366% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 7,389 |
| Noncurrent loans to loans | 0.0754% | 7,199 |
| Net loans and leases to total assets | 60.2410% | 5,879 |
| Net loans and leases to deposits | 75.1885% | 5,705 |
| Net loans and leases to core deposits | 90.9751% | 5,721 |
| Total domestic deposits to total assets | 80.1199% | 4,972 |
| Equity capital to assets | 13.7383% | 1,526 |
| Core capital (leverage) ratio | 13.4397% | 1,405 |
| Tier 1 risk-based capital ratio | 22.4027% | 1,262 |
| Total risk-based capital ratio | 23.6560% | 1,233 |
| Memoranda: | ||
| Average total assets | $177,189,800 | 3,445 |
| Average earning assets | $163,354,800 | 3,426 |
| Average equity | $23,582,000 | 2,777 |
| Average total loans | $108,309,800 | 3,728 |