Home > The Bank of Glen Burnie > Performance and Condition Ratios
The Bank of Glen Burnie, 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 | 3.9481% | 4,031 |
| Cost of funding earning assets | 0.3561% | 4,331 |
| Net interest margin | 3.5920% | 1,980 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 3.1486% | 885 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4382% | 3,791 |
| Return on assets (ROA) | 0.4382% | 3,791 |
| Pretax return on assets | 0.4696% | 3,864 |
| Return on Equity (ROE) | 9.5200% | 2,632 |
| Retained earnings to average equity (ytd only) | 2.2800% | 3,508 |
| Net charge-offs to loans | 0.0560% | 1,298 |
| Credit loss provision to net charge-offs | 95.0495% | 1,902 |
| Earnings coverage of net charge-offs (x) | 17.8317% | 1,961 |
| Efficiency ratio | 86.3911% | 540 |
| Assets per employee ($millions) | 4.1881% | 4,089 |
| Cash dividends to net income (ytd only)* | 76.0528% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 2,154 |
| Loan loss allowance to noncurrent loans | 409.2979% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 2,521 |
| Noncurrent loans to loans | 0.2989% | 2,111 |
| Net loans and leases to total assets | 49.5000% | 3,625 |
| Net loans and leases to deposits | 58.0200% | 3,633 |
| Net loans and leases to core deposits | 58.5075% | 3,819 |
| Total domestic deposits to total assets | 85.3200% | 2,205 |
| Equity capital to assets | 5.4650% | 4,342 |
| Core capital (leverage) ratio | 10.7627% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4010% | 846 |
| Memoranda: | ||
| Average total assets | $363,109,800 | 2,149 |
| Average earning assets | $337,834,200 | 2,137 |
| Average equity | $16,710,800 | 3,118 |
| Average total loans | $180,447,200 | 2,440 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8761% | 4,032 |
| Cost of funding earning assets | 0.2572% | 4,399 |
| Net interest margin | 3.6189% | 1,951 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 3.1174% | 907 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4984% | 3,769 |
| Return on assets (ROA) | 0.4984% | 3,770 |
| Pretax return on assets | 0.5447% | 3,833 |
| Return on Equity (ROE) | 11.3400% | 2,294 |
| Retained earnings to average equity (ytd only) | 3.7971% | 3,311 |
| Net charge-offs to loans | 0.0448% | 1,250 |
| Credit loss provision to net charge-offs | -11.4754% | 4,472 |
| Earnings coverage of net charge-offs (x) | 24.3934% | 1,711 |
| Efficiency ratio | 85.1852% | 554 |
| Assets per employee ($millions) | 4.2304% | 4,074 |
| Cash dividends to net income (ytd only)* | 66.5205% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 2,375 |
| Loan loss allowance to noncurrent loans | 361.0345% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 2,489 |
| Noncurrent loans to loans | 0.3318% | 2,042 |
| Net loans and leases to total assets | 48.6000% | 3,705 |
| Net loans and leases to deposits | 54.8363% | 3,759 |
| Net loans and leases to core deposits | 55.4095% | 3,885 |
| Total domestic deposits to total assets | 88.6300% | 1,368 |
| Equity capital to assets | 3.6721% | 4,436 |
| Core capital (leverage) ratio | 10.5553% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0952% | 940 |
| Memoranda: | ||
| Average total assets | $365,936,500 | 2,132 |
| Average earning assets | $340,573,000 | 2,132 |
| Average equity | $16,082,000 | 3,162 |
| Average total loans | $181,482,250 | 2,432 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 4,018 |
| Cost of funding earning assets | 0.1508% | 4,475 |
| Net interest margin | 3.6484% | 1,919 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 3.1326% | 864 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.4174% | 3,974 |
| Return on assets (ROA) | 0.4174% | 3,979 |
| Pretax return on assets | 0.4899% | 3,983 |
| Return on Equity (ROE) | 9.0200% | 2,984 |
| Retained earnings to average equity (ytd only) | 1.8838% | 3,747 |
| Net charge-offs to loans | 0.0272% | 1,347 |
| Credit loss provision to net charge-offs | 340.0000% | 797 |
| Earnings coverage of net charge-offs (x) | 39.6000% | 1,406 |
| Efficiency ratio | 85.3918% | 524 |
| Assets per employee ($millions) | 4.1791% | 4,105 |
| Cash dividends to net income (ytd only)* | 79.1180% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 2,284 |
| Loan loss allowance to noncurrent loans | 385.7639% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 2,439 |
| Noncurrent loans to loans | 0.3190% | 1,999 |
| Net loans and leases to total assets | 49.0500% | 3,614 |
| Net loans and leases to deposits | 54.1515% | 3,740 |
| Net loans and leases to core deposits | 54.6906% | 3,860 |
| Total domestic deposits to total assets | 90.5700% | 762 |
| Equity capital to assets | 4.7153% | 4,416 |
| Core capital (leverage) ratio | 10.5105% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8805% | 975 |
| Memoranda: | ||
| Average total assets | $369,464,333 | 2,124 |
| Average earning assets | $344,913,667 | 2,121 |
| Average equity | $17,093,000 | 3,098 |
| Average total loans | $183,711,000 | 2,402 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7769% | 3,903 |
| Cost of funding earning assets | 0.1230% | 4,506 |
| Net interest margin | 3.6539% | 2,008 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 3.1041% | 925 |
| Loan and lease loss provision to assets | -0.0500% | 4,518 |
| Net operating income to assets | 0.5177% | 3,853 |
| Return on assets (ROA) | 0.5177% | 3,813 |
| Pretax return on assets | 0.6187% | 3,811 |
| Return on Equity (ROE) | 11.3000% | 2,406 |
| Retained earnings to average equity (ytd only) | 4.2654% | 3,192 |
| Net charge-offs to loans | -0.0885% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.4042% | 574 |
| Assets per employee ($millions) | 4.1767% | 4,178 |
| Cash dividends to net income (ytd only)* | 62.2407% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 2,698 |
| Loan loss allowance to noncurrent loans | 452.0921% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 2,596 |
| Noncurrent loans to loans | 0.2596% | 2,217 |
| Net loans and leases to total assets | 50.0800% | 3,487 |
| Net loans and leases to deposits | 53.0473% | 3,734 |
| Net loans and leases to core deposits | 53.6355% | 3,848 |
| Total domestic deposits to total assets | 94.4100% | 137 |
| Equity capital to assets | 4.9976% | 4,421 |
| Core capital (leverage) ratio | 10.1191% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5718% | 1,057 |
| Memoranda: | ||
| Average total assets | $372,405,000 | 2,142 |
| Average earning assets | $347,904,500 | 2,133 |
| Average equity | $17,067,500 | 3,125 |
| Average total loans | $185,291,000 | 2,407 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1935% | 3,826 |
| Cost of funding earning assets | 0.2143% | 3,641 |
| Net interest margin | 2.9792% | 3,502 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.6348% | 1,712 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 0.4623% | 4,150 |
| Return on assets (ROA) | 0.4628% | 4,107 |
| Pretax return on assets | 0.5290% | 4,133 |
| Return on Equity (ROE) | 8.5300% | 3,247 |
| Retained earnings to average equity (ytd only) | 3.2351% | 3,654 |
| Net charge-offs to loans | 0.0984% | 742 |
| Credit loss provision to net charge-offs | -57.1429% | 4,567 |
| Earnings coverage of net charge-offs (x) | 10.7857% | 2,180 |
| Efficiency ratio | 83.9982% | 496 |
| Assets per employee ($millions) | 4.2858% | 4,150 |
| Cash dividends to net income (ytd only)* | 62.0831% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 2,584 |
| Loan loss allowance to noncurrent loans | 434.1365% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 2,603 |
| Noncurrent loans to loans | 0.2671% | 2,196 |
| Net loans and leases to total assets | 48.3100% | 3,653 |
| Net loans and leases to deposits | 50.7619% | 3,865 |
| Net loans and leases to core deposits | 51.4920% | 3,924 |
| Total domestic deposits to total assets | 95.1700% | 128 |
| Equity capital to assets | 4.1882% | 4,497 |
| Core capital (leverage) ratio | 9.5277% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2773% | 1,086 |
| Memoranda: | ||
| Average total assets | $421,172,000 | 1,945 |
| Average earning assets | $398,058,000 | 1,923 |
| Average equity | $22,843,200 | 2,714 |
| Average total loans | $199,172,600 | 2,237 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0207% | 3,852 |
| Cost of funding earning assets | 0.2393% | 2,826 |
| Net interest margin | 2.7815% | 3,775 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.5812% | 1,763 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.3331% | 4,340 |
| Return on assets (ROA) | 0.3334% | 4,294 |
| Pretax return on assets | 0.3665% | 4,308 |
| Return on Equity (ROE) | 5.8500% | 3,828 |
| Retained earnings to average equity (ytd only) | 0.9120% | 4,226 |
| Net charge-offs to loans | 0.0105% | 1,722 |
| Credit loss provision to net charge-offs | -1,112.5000% | 4,719 |
| Earnings coverage of net charge-offs (x) | 62.8750% | 1,146 |
| Efficiency ratio | 89.2429% | 344 |
| Assets per employee ($millions) | 4.5671% | 4,005 |
| Cash dividends to net income (ytd only)* | 84.4156% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,683 |
| Loan loss allowance to noncurrent loans | 1,172.6804% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 3,436 |
| Noncurrent loans to loans | 0.1000% | 3,162 |
| Net loans and leases to total assets | 46.1500% | 3,748 |
| Net loans and leases to deposits | 50.6154% | 3,813 |
| Net loans and leases to core deposits | 51.3868% | 3,883 |
| Total domestic deposits to total assets | 91.1800% | 1,164 |
| Equity capital to assets | 3.4318% | 4,551 |
| Core capital (leverage) ratio | 8.7778% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1593% | 1,382 |
| Memoranda: | ||
| Average total assets | $431,106,750 | 1,927 |
| Average earning assets | $408,455,250 | 1,894 |
| Average equity | $24,560,250 | 2,646 |
| Average total loans | $202,355,750 | 2,214 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8645% | 3,864 |
| Cost of funding earning assets | 0.2221% | 2,625 |
| Net interest margin | 2.6424% | 3,829 |
| Noninterest income to average assets | 0.2347% | 3,774 |
| Noninterest expense to average assets | 2.5122% | 1,894 |
| Loan and lease loss provision to assets | -0.0995% | 4,591 |
| Net operating income to assets | 0.2994% | 4,290 |
| Return on assets (ROA) | 0.2998% | 4,237 |
| Pretax return on assets | 0.3369% | 4,243 |
| Return on Equity (ROE) | 4.6727% | 3,878 |
| Retained earnings to average equity (ytd only) | 0.3144% | 4,133 |
| Net charge-offs to loans | 0.0137% | 1,506 |
| Credit loss provision to net charge-offs | -1,550.0000% | 3,637 |
| Earnings coverage of net charge-offs (x) | 36.9286% | 1,301 |
| Efficiency ratio | 91.3790% | 356 |
| Assets per employee ($millions) | 4.6669% | 3,959 |
| Cash dividends to net income (ytd only)* | 93.2722% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 3,105 |
| Loan loss allowance to noncurrent loans | 960.5150% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 3,439 |
| Noncurrent loans to loans | 0.1161% | 3,152 |
| Net loans and leases to total assets | 46.2226% | 3,700 |
| Net loans and leases to deposits | 51.4396% | 3,732 |
| Net loans and leases to core deposits | 52.3582% | 3,799 |
| Total domestic deposits to total assets | 89.8581% | 1,767 |
| Equity capital to assets | 4.9332% | 4,490 |
| Core capital (leverage) ratio | 8.5756% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9031% | 1,460 |
| Memoranda: | ||
| Average total assets | $436,273,000 | 1,912 |
| Average earning assets | $415,146,333 | 1,900 |
| Average equity | $27,992,667 | 2,527 |
| Average total loans | $205,114,333 | 2,199 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7764% | 3,789 |
| Cost of funding earning assets | 0.2229% | 2,487 |
| Net interest margin | 2.5535% | 3,780 |
| Noninterest income to average assets | 0.2311% | 3,763 |
| Noninterest expense to average assets | 2.4815% | 1,926 |
| Loan and lease loss provision to assets | -0.0919% | 4,585 |
| Net operating income to assets | 0.2529% | 4,236 |
| Return on assets (ROA) | 0.2529% | 4,209 |
| Pretax return on assets | 0.2802% | 4,212 |
| Return on Equity (ROE) | 3.5416% | 3,986 |
| Retained earnings to average equity (ytd only) | -0.2803% | 4,053 |
| Net charge-offs to loans | -0.0212% | 3,944 |
| Credit loss provision to net charge-offs | 918.1818% | 357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9472% | 423 |
| Assets per employee ($millions) | 4.8600% | 3,879 |
| Cash dividends to net income (ytd only)* | 107.9137% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 3,025 |
| Loan loss allowance to noncurrent loans | 1,101.8519% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,549 |
| Noncurrent loans to loans | 0.1058% | 3,309 |
| Net loans and leases to total assets | 46.1530% | 3,559 |
| Net loans and leases to deposits | 52.0526% | 3,565 |
| Net loans and leases to core deposits | 52.9773% | 3,666 |
| Total domestic deposits to total assets | 88.6661% | 2,223 |
| Equity capital to assets | 6.2147% | 4,526 |
| Core capital (leverage) ratio | 8.4247% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1491% | 1,471 |
| Memoranda: | ||
| Average total assets | $439,730,000 | 1,910 |
| Average earning assets | $419,965,500 | 1,884 |
| Average equity | $31,398,500 | 2,415 |
| Average total loans | $207,322,000 | 2,180 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2652% | 3,312 |
| Cost of funding earning assets | 0.2594% | 2,816 |
| Net interest margin | 3.0057% | 3,177 |
| Noninterest income to average assets | 0.2808% | 3,712 |
| Noninterest expense to average assets | 2.4742% | 2,260 |
| Loan and lease loss provision to assets | -0.2253% | 4,732 |
| Net operating income to assets | 0.7379% | 3,524 |
| Return on assets (ROA) | 0.6278% | 3,859 |
| Pretax return on assets | 0.7713% | 3,783 |
| Return on Equity (ROE) | 7.7115% | 3,314 |
| Retained earnings to average equity (ytd only) | 4.3056% | 3,085 |
| Net charge-offs to loans | -0.1687% | 4,682 |
| Credit loss provision to net charge-offs | 243.5443% | 1,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3936% | 916 |
| Assets per employee ($millions) | 5.2007% | 3,555 |
| Cash dividends to net income (ytd only)* | 44.1664% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 3,003 |
| Loan loss allowance to noncurrent loans | 703.7037% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 3,393 |
| Noncurrent loans to loans | 0.1668% | 3,111 |
| Net loans and leases to total assets | 47.0345% | 3,598 |
| Net loans and leases to deposits | 54.2387% | 3,582 |
| Net loans and leases to core deposits | 55.1508% | 3,683 |
| Total domestic deposits to total assets | 86.7175% | 2,615 |
| Equity capital to assets | 8.0563% | 4,327 |
| Core capital (leverage) ratio | 8.3957% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0252% | 1,501 |
| Memoranda: | ||
| Average total assets | $432,753,400 | 1,888 |
| Average earning assets | $413,976,200 | 1,857 |
| Average equity | $35,233,200 | 2,278 |
| Average total loans | $234,112,400 | 2,023 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2580% | 3,493 |
| Cost of funding earning assets | 0.2663% | 2,939 |
| Net interest margin | 2.9917% | 3,330 |
| Noninterest income to average assets | 0.2741% | 3,781 |
| Noninterest expense to average assets | 2.5143% | 2,078 |
| Loan and lease loss provision to assets | -0.1838% | 4,733 |
| Net operating income to assets | 0.6564% | 3,878 |
| Return on assets (ROA) | 0.6567% | 3,930 |
| Pretax return on assets | 0.8038% | 3,886 |
| Return on Equity (ROE) | 8.0443% | 3,389 |
| Retained earnings to average equity (ytd only) | 4.6672% | 3,347 |
| Net charge-offs to loans | -0.1844% | 4,759 |
| Credit loss provision to net charge-offs | 174.6988% | 1,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2234% | 730 |
| Assets per employee ($millions) | 4.7560% | 3,924 |
| Cash dividends to net income (ytd only)* | 41.9811% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,785 |
| Loan loss allowance to noncurrent loans | 99.7854% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 1,170 |
| Noncurrent loans to loans | 1.2445% | 890 |
| Net loans and leases to total assets | 51.2673% | 3,273 |
| Net loans and leases to deposits | 59.2354% | 3,305 |
| Net loans and leases to core deposits | 60.5479% | 3,438 |
| Total domestic deposits to total assets | 86.5485% | 2,533 |
| Equity capital to assets | 8.0583% | 4,492 |
| Core capital (leverage) ratio | 8.5037% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8645% | 2,023 |
| Memoranda: | ||
| Average total assets | $430,426,000 | 1,912 |
| Average earning assets | $411,490,500 | 1,880 |
| Average equity | $35,138,000 | 2,315 |
| Average total loans | $240,042,500 | 2,025 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1402% | 3,785 |
| Cost of funding earning assets | 0.2716% | 3,072 |
| Net interest margin | 2.8685% | 3,640 |
| Noninterest income to average assets | 0.2453% | 3,931 |
| Noninterest expense to average assets | 2.5505% | 1,995 |
| Loan and lease loss provision to assets | -0.2193% | 4,779 |
| Net operating income to assets | 0.5535% | 4,099 |
| Return on assets (ROA) | 0.5535% | 4,144 |
| Pretax return on assets | 0.6573% | 4,147 |
| Return on Equity (ROE) | 6.7508% | 3,717 |
| Retained earnings to average equity (ytd only) | 3.4577% | 3,701 |
| Net charge-offs to loans | -0.2513% | 4,822 |
| Credit loss provision to net charge-offs | 148.7013% | 1,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3427% | 502 |
| Assets per employee ($millions) | 4.7554% | 3,878 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,775 |
| Loan loss allowance to noncurrent loans | 70.0048% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.9530% | 799 |
| Noncurrent loans to loans | 1.7559% | 594 |
| Net loans and leases to total assets | 53.6079% | 3,180 |
| Net loans and leases to deposits | 62.8809% | 3,116 |
| Net loans and leases to core deposits | 64.3396% | 3,263 |
| Total domestic deposits to total assets | 85.2531% | 2,999 |
| Equity capital to assets | 8.1624% | 4,449 |
| Core capital (leverage) ratio | 8.5762% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2881% | 2,252 |
| Memoranda: | ||
| Average total assets | $429,635,333 | 1,913 |
| Average earning assets | $410,871,000 | 1,877 |
| Average equity | $35,225,333 | 2,303 |
| Average total loans | $245,165,333 | 2,001 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0896% | 3,906 |
| Cost of funding earning assets | 0.2776% | 3,205 |
| Net interest margin | 2.8120% | 3,729 |
| Noninterest income to average assets | 0.2308% | 3,998 |
| Noninterest expense to average assets | 2.5902% | 1,911 |
| Loan and lease loss provision to assets | -0.3775% | 4,890 |
| Net operating income to assets | 0.5990% | 3,948 |
| Return on assets (ROA) | 0.5990% | 4,010 |
| Pretax return on assets | 0.7064% | 4,001 |
| Return on Equity (ROE) | 7.2889% | 3,527 |
| Retained earnings to average equity (ytd only) | 3.9912% | 3,503 |
| Net charge-offs to loans | -0.4395% | 4,882 |
| Credit loss provision to net charge-offs | 142.5455% | 1,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7324% | 415 |
| Assets per employee ($millions) | 4.9065% | 3,757 |
| Cash dividends to net income (ytd only)* | 45.2418% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 3,012 |
| Loan loss allowance to noncurrent loans | 65.5227% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.1526% | 659 |
| Noncurrent loans to loans | 1.8059% | 639 |
| Net loans and leases to total assets | 55.8608% | 3,058 |
| Net loans and leases to deposits | 66.1100% | 2,907 |
| Net loans and leases to core deposits | 67.4080% | 3,119 |
| Total domestic deposits to total assets | 84.4968% | 3,280 |
| Equity capital to assets | 7.6422% | 4,658 |
| Core capital (leverage) ratio | 8.9907% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5417% | 2,067 |
| Memoranda: | ||
| Average total assets | $428,082,000 | 1,909 |
| Average earning assets | $409,246,500 | 1,873 |
| Average equity | $35,177,000 | 2,294 |
| Average total loans | $250,312,500 | 1,961 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5258% | 3,973 |
| Cost of funding earning assets | 0.3908% | 3,644 |
| Net interest margin | 3.1350% | 3,536 |
| Noninterest income to average assets | 0.2473% | 4,005 |
| Noninterest expense to average assets | 2.8167% | 1,897 |
| Loan and lease loss provision to assets | -0.1694% | 4,976 |
| Net operating income to assets | 0.4563% | 4,125 |
| Return on assets (ROA) | 0.4574% | 4,203 |
| Pretax return on assets | 0.5890% | 4,099 |
| Return on Equity (ROE) | 5.1497% | 3,862 |
| Retained earnings to average equity (ytd only) | 1.6492% | 3,974 |
| Net charge-offs to loans | -0.0360% | 4,593 |
| Credit loss provision to net charge-offs | 695.9596% | 997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0745% | 486 |
| Assets per employee ($millions) | 4.6610% | 3,751 |
| Cash dividends to net income (ytd only)* | 67.9742% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5816% | 4,723 |
| Loan loss allowance to noncurrent loans | 32.5828% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.2170% | 705 |
| Noncurrent loans to loans | 1.7851% | 705 |
| Net loans and leases to total assets | 60.1441% | 2,847 |
| Net loans and leases to deposits | 72.1400% | 2,673 |
| Net loans and leases to core deposits | 73.6893% | 2,938 |
| Total domestic deposits to total assets | 83.3713% | 3,304 |
| Equity capital to assets | 8.8160% | 4,206 |
| Core capital (leverage) ratio | 9.1221% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6279% | 2,391 |
| Memoranda: | ||
| Average total assets | $406,821,200 | 1,838 |
| Average earning assets | $387,681,600 | 1,805 |
| Average equity | $36,138,000 | 2,167 |
| Average total loans | $274,902,800 | 1,803 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 4,151 |
| Cost of funding earning assets | 0.4171% | 3,724 |
| Net interest margin | 3.1165% | 3,699 |
| Noninterest income to average assets | 0.2441% | 4,019 |
| Noninterest expense to average assets | 2.7584% | 2,098 |
| Loan and lease loss provision to assets | -0.0865% | 4,995 |
| Net operating income to assets | 0.4198% | 4,221 |
| Return on assets (ROA) | 0.4211% | 4,285 |
| Pretax return on assets | 0.5407% | 4,206 |
| Return on Equity (ROE) | 4.7317% | 3,962 |
| Retained earnings to average equity (ytd only) | 1.1133% | 4,219 |
| Net charge-offs to loans | 0.0671% | 1,651 |
| Credit loss provision to net charge-offs | -185.8156% | 3,636 |
| Earnings coverage of net charge-offs (x) | 9.7163% | 2,408 |
| Efficiency ratio | 85.9068% | 504 |
| Assets per employee ($millions) | 4.4887% | 3,863 |
| Cash dividends to net income (ytd only)* | 76.4706% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 4,712 |
| Loan loss allowance to noncurrent loans | 33.3802% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.3198% | 703 |
| Noncurrent loans to loans | 1.8177% | 730 |
| Net loans and leases to total assets | 63.2191% | 2,861 |
| Net loans and leases to deposits | 79.1818% | 2,406 |
| Net loans and leases to core deposits | 80.9763% | 2,755 |
| Total domestic deposits to total assets | 79.8404% | 3,893 |
| Equity capital to assets | 8.4454% | 4,489 |
| Core capital (leverage) ratio | 9.2290% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6637% | 2,738 |
| Memoranda: | ||
| Average total assets | $403,655,000 | 1,829 |
| Average earning assets | $384,272,000 | 1,799 |
| Average equity | $35,927,000 | 2,165 |
| Average total loans | $280,185,500 | 1,761 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6437% | 4,186 |
| Cost of funding earning assets | 0.4527% | 3,782 |
| Net interest margin | 3.1910% | 3,692 |
| Noninterest income to average assets | 0.2448% | 4,008 |
| Noninterest expense to average assets | 2.8938% | 1,841 |
| Loan and lease loss provision to assets | 0.2063% | 1,988 |
| Net operating income to assets | 0.1425% | 4,641 |
| Return on assets (ROA) | 0.1429% | 4,671 |
| Pretax return on assets | 0.1789% | 4,654 |
| Return on Equity (ROE) | 1.5767% | 4,607 |
| Retained earnings to average equity (ytd only) | -1.7220% | 4,559 |
| Net charge-offs to loans | 0.0574% | 1,681 |
| Credit loss provision to net charge-offs | 502.4691% | 1,226 |
| Earnings coverage of net charge-offs (x) | 9.3704% | 2,227 |
| Efficiency ratio | 88.2653% | 441 |
| Assets per employee ($millions) | 4.2681% | 4,039 |
| Cash dividends to net income (ytd only)* | 209.2199% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 4,223 |
| Loan loss allowance to noncurrent loans | 60.4193% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.1150% | 1,023 |
| Noncurrent loans to loans | 1.3893% | 1,116 |
| Net loans and leases to total assets | 67.5558% | 2,429 |
| Net loans and leases to deposits | 82.6139% | 2,134 |
| Net loans and leases to core deposits | 84.7320% | 2,554 |
| Total domestic deposits to total assets | 81.7729% | 3,430 |
| Equity capital to assets | 8.5697% | 4,435 |
| Core capital (leverage) ratio | 9.3243% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9546% | 2,633 |
| Memoranda: | ||
| Average total assets | $394,569,667 | 1,832 |
| Average earning assets | $375,117,333 | 1,805 |
| Average equity | $35,772,000 | 2,172 |
| Average total loans | $282,220,333 | 1,739 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 4,117 |
| Cost of funding earning assets | 0.4983% | 3,955 |
| Net interest margin | 3.3592% | 3,425 |
| Noninterest income to average assets | 0.2665% | 3,943 |
| Noninterest expense to average assets | 3.1052% | 1,626 |
| Loan and lease loss provision to assets | -0.0836% | 5,068 |
| Net operating income to assets | 0.3357% | 4,274 |
| Return on assets (ROA) | 0.3365% | 4,301 |
| Pretax return on assets | 0.4306% | 4,237 |
| Return on Equity (ROE) | 3.6043% | 4,067 |
| Retained earnings to average equity (ytd only) | 0.4142% | 3,900 |
| Net charge-offs to loans | 0.0968% | 1,106 |
| Credit loss provision to net charge-offs | -117.6471% | 3,198 |
| Earnings coverage of net charge-offs (x) | 4.8676% | 2,107 |
| Efficiency ratio | 89.9758% | 498 |
| Assets per employee ($millions) | 3.7303% | 4,245 |
| Cash dividends to net income (ytd only)* | 88.5093% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6925% | 4,620 |
| Loan loss allowance to noncurrent loans | 46.7008% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.2647% | 948 |
| Noncurrent loans to loans | 1.4829% | 1,078 |
| Net loans and leases to total assets | 72.2865% | 1,873 |
| Net loans and leases to deposits | 85.4720% | 2,062 |
| Net loans and leases to core deposits | 87.6106% | 2,554 |
| Total domestic deposits to total assets | 84.5733% | 2,576 |
| Equity capital to assets | 9.4179% | 4,301 |
| Core capital (leverage) ratio | 9.3355% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3303% | 2,559 |
| Memoranda: | ||
| Average total assets | $382,715,500 | 1,830 |
| Average earning assets | $362,828,000 | 1,804 |
| Average equity | $35,735,500 | 2,158 |
| Average total loans | $280,849,000 | 1,711 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9255% | 4,385 |
| Cost of funding earning assets | 0.5211% | 3,999 |
| Net interest margin | 3.4044% | 3,734 |
| Noninterest income to average assets | 0.3307% | 3,725 |
| Noninterest expense to average assets | 3.0071% | 1,994 |
| Loan and lease loss provision to assets | -0.0295% | 4,977 |
| Net operating income to assets | 0.4535% | 4,500 |
| Return on assets (ROA) | 0.4541% | 4,533 |
| Pretax return on assets | 0.5781% | 4,449 |
| Return on Equity (ROE) | 5.0934% | 4,181 |
| Retained earnings to average equity (ytd only) | 2.0196% | 3,990 |
| Net charge-offs to loans | 0.1234% | 1,526 |
| Credit loss provision to net charge-offs | -31.9444% | 4,142 |
| Earnings coverage of net charge-offs (x) | 5.9417% | 3,028 |
| Efficiency ratio | 84.5882% | 627 |
| Assets per employee ($millions) | 3.7739% | 4,183 |
| Cash dividends to net income (ytd only)* | 60.3497% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7256% | 4,520 |
| Loan loss allowance to noncurrent loans | 49.8071% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.2607% | 892 |
| Noncurrent loans to loans | 1.4568% | 1,002 |
| Net loans and leases to total assets | 73.4324% | 1,851 |
| Net loans and leases to deposits | 87.9278% | 1,858 |
| Net loans and leases to core deposits | 90.1323% | 2,413 |
| Total domestic deposits to total assets | 83.5144% | 3,014 |
| Equity capital to assets | 9.2578% | 4,524 |
| Core capital (leverage) ratio | 9.2625% | 4,313 |
| Tier 1 risk-based capital ratio | 12.4719% | 4,083 |
| Total risk-based capital ratio | 13.2071% | 4,267 |
| Memoranda: | ||
| Average total assets | $390,409,000 | 1,769 |
| Average earning assets | $369,760,600 | 1,750 |
| Average equity | $34,809,600 | 2,152 |
| Average total loans | $291,680,200 | 1,642 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 4,527 |
| Cost of funding earning assets | 0.5269% | 4,042 |
| Net interest margin | 3.3816% | 3,908 |
| Noninterest income to average assets | 0.3240% | 3,807 |
| Noninterest expense to average assets | 2.9802% | 2,032 |
| Loan and lease loss provision to assets | 0.0221% | 3,472 |
| Net operating income to assets | 0.4066% | 4,712 |
| Return on assets (ROA) | 0.4074% | 4,738 |
| Pretax return on assets | 0.5244% | 4,662 |
| Return on Equity (ROE) | 4.6122% | 4,450 |
| Retained earnings to average equity (ytd only) | 1.6068% | 4,399 |
| Net charge-offs to loans | 0.1354% | 1,186 |
| Credit loss provision to net charge-offs | 21.8121% | 2,961 |
| Earnings coverage of net charge-offs (x) | 5.3792% | 2,928 |
| Efficiency ratio | 84.5270% | 579 |
| Assets per employee ($millions) | 3.9127% | 4,008 |
| Cash dividends to net income (ytd only)* | 65.1627% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 4,379 |
| Loan loss allowance to noncurrent loans | 54.2696% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.2925% | 941 |
| Noncurrent loans to loans | 1.4974% | 1,011 |
| Net loans and leases to total assets | 73.4350% | 1,926 |
| Net loans and leases to deposits | 86.5578% | 2,127 |
| Net loans and leases to core deposits | 88.7040% | 2,665 |
| Total domestic deposits to total assets | 84.8392% | 2,482 |
| Equity capital to assets | 9.2136% | 4,658 |
| Core capital (leverage) ratio | 9.2584% | 4,419 |
| Tier 1 risk-based capital ratio | 12.3595% | 4,217 |
| Total risk-based capital ratio | 13.1825% | 4,340 |
| Memoranda: | ||
| Average total assets | $391,775,750 | 1,782 |
| Average earning assets | $370,943,500 | 1,757 |
| Average equity | $34,602,750 | 2,172 |
| Average total loans | $293,415,750 | 1,646 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8965% | 4,562 |
| Cost of funding earning assets | 0.5457% | 3,900 |
| Net interest margin | 3.3507% | 4,028 |
| Noninterest income to average assets | 0.2849% | 4,038 |
| Noninterest expense to average assets | 3.0135% | 1,970 |
| Loan and lease loss provision to assets | 0.1034% | 1,813 |
| Net operating income to assets | 0.2801% | 4,902 |
| Return on assets (ROA) | 0.2813% | 4,908 |
| Pretax return on assets | 0.3442% | 4,895 |
| Return on Equity (ROE) | 3.2304% | 4,744 |
| Retained earnings to average equity (ytd only) | 0.3783% | 4,598 |
| Net charge-offs to loans | 0.1929% | 858 |
| Credit loss provision to net charge-offs | 71.3287% | 2,312 |
| Earnings coverage of net charge-offs (x) | 3.0769% | 2,879 |
| Efficiency ratio | 87.1062% | 490 |
| Assets per employee ($millions) | 3.9333% | 3,962 |
| Cash dividends to net income (ytd only)* | 88.2883% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8443% | 4,290 |
| Loan loss allowance to noncurrent loans | 54.1630% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.3891% | 867 |
| Noncurrent loans to loans | 1.5589% | 982 |
| Net loans and leases to total assets | 76.4791% | 1,475 |
| Net loans and leases to deposits | 90.1896% | 1,715 |
| Net loans and leases to core deposits | 92.4463% | 2,370 |
| Total domestic deposits to total assets | 84.7981% | 2,568 |
| Equity capital to assets | 9.2314% | 4,627 |
| Core capital (leverage) ratio | 9.1225% | 4,530 |
| Tier 1 risk-based capital ratio | 12.0546% | 4,384 |
| Total risk-based capital ratio | 12.9089% | 4,502 |
| Memoranda: | ||
| Average total assets | $394,553,000 | 1,782 |
| Average earning assets | $373,827,330 | 1,747 |
| Average equity | $34,360,670 | 2,174 |
| Average total loans | $296,591,330 | 1,634 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 4,577 |
| Cost of funding earning assets | 0.5969% | 3,595 |
| Net interest margin | 3.2872% | 4,192 |
| Noninterest income to average assets | 0.2769% | 4,031 |
| Noninterest expense to average assets | 2.9993% | 1,997 |
| Loan and lease loss provision to assets | 0.1717% | 975 |
| Net operating income to assets | 0.1782% | 5,027 |
| Return on assets (ROA) | 0.1806% | 5,033 |
| Pretax return on assets | 0.2243% | 5,016 |
| Return on Equity (ROE) | 2.1341% | 4,952 |
| Retained earnings to average equity (ytd only) | -1.1491% | 4,667 |
| Net charge-offs to loans | 0.1470% | 884 |
| Credit loss provision to net charge-offs | 157.2727% | 1,205 |
| Earnings coverage of net charge-offs (x) | 3.6000% | 2,389 |
| Efficiency ratio | 88.4143% | 461 |
| Assets per employee ($millions) | 3.8158% | 4,165 |
| Cash dividends to net income (ytd only)* | 153.8462% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8700% | 4,271 |
| Loan loss allowance to noncurrent loans | 104.7447% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.8122% | 1,744 |
| Noncurrent loans to loans | 0.8306% | 1,979 |
| Net loans and leases to total assets | 75.5203% | 1,558 |
| Net loans and leases to deposits | 89.4748% | 1,693 |
| Net loans and leases to core deposits | 91.9233% | 2,307 |
| Total domestic deposits to total assets | 84.4040% | 2,899 |
| Equity capital to assets | 8.7351% | 4,858 |
| Core capital (leverage) ratio | 8.6797% | 4,889 |
| Tier 1 risk-based capital ratio | 12.5136% | 4,160 |
| Total risk-based capital ratio | 13.4626% | 4,215 |
| Memoranda: | ||
| Average total assets | $403,033,500 | 1,761 |
| Average earning assets | $381,963,000 | 1,725 |
| Average equity | $34,112,500 | 2,185 |
| Average total loans | $299,268,000 | 1,639 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 4,432 |
| Cost of funding earning assets | 0.5543% | 3,021 |
| Net interest margin | 3.2709% | 4,337 |
| Noninterest income to average assets | 0.3783% | 3,564 |
| Noninterest expense to average assets | 2.7741% | 2,773 |
| Loan and lease loss provision to assets | 0.2135% | 860 |
| Net operating income to assets | 0.4232% | 4,823 |
| Return on assets (ROA) | 0.4232% | 4,816 |
| Pretax return on assets | 0.4838% | 4,822 |
| Return on Equity (ROE) | 5.0884% | 4,432 |
| Retained earnings to average equity (ytd only) | 2.1589% | 4,289 |
| Net charge-offs to loans | 0.3159% | 612 |
| Credit loss provision to net charge-offs | 94.6903% | 2,647 |
| Earnings coverage of net charge-offs (x) | 3.0929% | 3,450 |
| Efficiency ratio | 79.9138% | 970 |
| Assets per employee ($millions) | 4.2154% | 3,592 |
| Cash dividends to net income (ytd only)* | 57.5722% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 4,359 |
| Loan loss allowance to noncurrent loans | 129.2472% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 2,663 |
| Noncurrent loans to loans | 0.6569% | 2,350 |
| Net loans and leases to total assets | 71.8261% | 2,293 |
| Net loans and leases to deposits | 91.9760% | 1,558 |
| Net loans and leases to core deposits | 94.7346% | 2,161 |
| Total domestic deposits to total assets | 78.0922% | 4,475 |
| Equity capital to assets | 8.2077% | 5,080 |
| Core capital (leverage) ratio | 8.5380% | 5,008 |
| Tier 1 risk-based capital ratio | 12.2914% | 4,238 |
| Total risk-based capital ratio | 13.1996% | 4,348 |
| Memoranda: | ||
| Average total assets | $401,000,200 | 1,710 |
| Average earning assets | $379,189,600 | 1,677 |
| Average equity | $33,350,600 | 2,137 |
| Average total loans | $286,198,800 | 1,659 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8463% | 4,328 |
| Cost of funding earning assets | 0.5329% | 2,973 |
| Net interest margin | 3.3134% | 4,245 |
| Noninterest income to average assets | 0.4034% | 3,464 |
| Noninterest expense to average assets | 2.8785% | 2,375 |
| Loan and lease loss provision to assets | 0.2013% | 867 |
| Net operating income to assets | 0.4201% | 4,913 |
| Return on assets (ROA) | 0.4201% | 4,920 |
| Pretax return on assets | 0.4546% | 4,963 |
| Return on Equity (ROE) | 5.0343% | 4,547 |
| Retained earnings to average equity (ytd only) | 2.2361% | 4,488 |
| Net charge-offs to loans | 0.3464% | 479 |
| Credit loss provision to net charge-offs | 81.7687% | 2,510 |
| Earnings coverage of net charge-offs (x) | 2.6639% | 3,225 |
| Efficiency ratio | 81.4408% | 816 |
| Assets per employee ($millions) | 4.1480% | 3,658 |
| Cash dividends to net income (ytd only)* | 55.5821% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8323% | 4,516 |
| Loan loss allowance to noncurrent loans | 112.3570% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 2,613 |
| Noncurrent loans to loans | 0.7407% | 2,234 |
| Net loans and leases to total assets | 71.2352% | 2,455 |
| Net loans and leases to deposits | 86.8086% | 2,281 |
| Net loans and leases to core deposits | 89.7473% | 2,685 |
| Total domestic deposits to total assets | 82.0601% | 3,591 |
| Equity capital to assets | 7.9133% | 5,204 |
| Core capital (leverage) ratio | 8.0792% | 5,299 |
| Tier 1 risk-based capital ratio | 11.7529% | 4,628 |
| Total risk-based capital ratio | 12.6417% | 4,737 |
| Memoranda: | ||
| Average total assets | $397,972,000 | 1,724 |
| Average earning assets | $376,076,000 | 1,696 |
| Average equity | $33,211,500 | 2,152 |
| Average total loans | $282,932,500 | 1,676 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 4,463 |
| Cost of funding earning assets | 0.5063% | 2,964 |
| Net interest margin | 3.2477% | 4,387 |
| Noninterest income to average assets | 0.4409% | 3,213 |
| Noninterest expense to average assets | 2.9272% | 2,263 |
| Loan and lease loss provision to assets | 0.1803% | 997 |
| Net operating income to assets | 0.4028% | 4,955 |
| Return on assets (ROA) | 0.4028% | 4,961 |
| Pretax return on assets | 0.4058% | 5,040 |
| Return on Equity (ROE) | 4.7407% | 4,620 |
| Retained earnings to average equity (ytd only) | 2.4271% | 4,294 |
| Net charge-offs to loans | 0.4733% | 323 |
| Credit loss provision to net charge-offs | 53.7879% | 2,473 |
| Earnings coverage of net charge-offs (x) | 1.7485% | 3,029 |
| Efficiency ratio | 83.3165% | 738 |
| Assets per employee ($millions) | 4.0964% | 3,736 |
| Cash dividends to net income (ytd only)* | 48.8020% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 4,726 |
| Loan loss allowance to noncurrent loans | 46.9669% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 1.2398% | 1,151 |
| Noncurrent loans to loans | 1.6803% | 949 |
| Net loans and leases to total assets | 71.5221% | 2,354 |
| Net loans and leases to deposits | 83.9831% | 2,539 |
| Net loans and leases to core deposits | 86.7730% | 2,842 |
| Total domestic deposits to total assets | 85.1625% | 2,612 |
| Equity capital to assets | 8.3311% | 5,060 |
| Core capital (leverage) ratio | 8.3949% | 5,172 |
| Tier 1 risk-based capital ratio | 11.9447% | 4,531 |
| Total risk-based capital ratio | 12.7785% | 4,667 |
| Memoranda: | ||
| Average total assets | $393,751,670 | 1,755 |
| Average earning assets | $372,513,670 | 1,719 |
| Average equity | $33,455,000 | 2,146 |
| Average total loans | $278,916,330 | 1,698 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 4,389 |
| Cost of funding earning assets | 0.4902% | 2,866 |
| Net interest margin | 3.2473% | 4,320 |
| Noninterest income to average assets | 0.4976% | 2,815 |
| Noninterest expense to average assets | 2.8735% | 2,457 |
| Loan and lease loss provision to assets | 0.3703% | 319 |
| Net operating income to assets | 0.2873% | 5,117 |
| Return on assets (ROA) | 0.2873% | 5,120 |
| Pretax return on assets | 0.3252% | 5,139 |
| Return on Equity (ROE) | 3.3473% | 4,942 |
| Retained earnings to average equity (ytd only) | 2.4268% | 4,199 |
| Net charge-offs to loans | 0.0745% | 1,378 |
| Credit loss provision to net charge-offs | 707.8431% | 469 |
| Earnings coverage of net charge-offs (x) | 13.2941% | 1,763 |
| Efficiency ratio | 80.5116% | 1,085 |
| Assets per employee ($millions) | 4.0660% | 3,861 |
| Cash dividends to net income (ytd only)* | 27.5000% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,651 |
| Loan loss allowance to noncurrent loans | 52.7091% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4383% | 992 |
| Noncurrent loans to loans | 1.9948% | 800 |
| Net loans and leases to total assets | 69.8930% | 2,503 |
| Net loans and leases to deposits | 81.1465% | 2,681 |
| Net loans and leases to core deposits | 83.2714% | 3,031 |
| Total domestic deposits to total assets | 86.1319% | 2,487 |
| Equity capital to assets | 8.4850% | 4,986 |
| Core capital (leverage) ratio | 8.4016% | 5,204 |
| Tier 1 risk-based capital ratio | 12.7299% | 4,100 |
| Total risk-based capital ratio | 13.8480% | 4,082 |
| Memoranda: | ||
| Average total assets | $389,903,500 | 1,781 |
| Average earning assets | $368,802,500 | 1,748 |
| Average equity | $33,460,000 | 2,162 |
| Average total loans | $273,670,500 | 1,724 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6939% | 4,351 |
| Cost of funding earning assets | 0.5255% | 2,137 |
| Net interest margin | 3.1684% | 4,524 |
| Noninterest income to average assets | 0.3257% | 4,139 |
| Noninterest expense to average assets | 2.7278% | 3,036 |
| Loan and lease loss provision to assets | 0.0858% | 2,479 |
| Net operating income to assets | 0.2543% | 5,014 |
| Return on assets (ROA) | 0.2544% | 5,030 |
| Pretax return on assets | 0.4956% | 4,937 |
| Return on Equity (ROE) | 2.9361% | 4,843 |
| Retained earnings to average equity (ytd only) | -0.2742% | 5,076 |
| Net charge-offs to loans | 0.0857% | 2,235 |
| Credit loss provision to net charge-offs | 145.4545% | 1,827 |
| Earnings coverage of net charge-offs (x) | 9.8485% | 2,739 |
| Efficiency ratio | 82.4379% | 894 |
| Assets per employee ($millions) | 3.9341% | 4,070 |
| Cash dividends to net income (ytd only)* | 109.3373% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 4,194 |
| Loan loss allowance to noncurrent loans | 77.7477% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 1,760 |
| Noncurrent loans to loans | 1.2260% | 1,441 |
| Net loans and leases to total assets | 69.0771% | 2,672 |
| Net loans and leases to deposits | 80.4310% | 2,870 |
| Net loans and leases to core deposits | 82.5254% | 3,201 |
| Total domestic deposits to total assets | 85.8837% | 2,493 |
| Equity capital to assets | 8.6784% | 4,970 |
| Core capital (leverage) ratio | 8.4385% | 5,188 |
| Tier 1 risk-based capital ratio | 12.8331% | 4,015 |
| Total risk-based capital ratio | 13.8509% | 4,034 |
| Memoranda: | ||
| Average total assets | $391,484,000 | 1,745 |
| Average earning assets | $368,610,600 | 1,712 |
| Average equity | $33,922,800 | 2,134 |
| Average total loans | $269,432,200 | 1,714 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6661% | 4,409 |
| Cost of funding earning assets | 0.5345% | 1,990 |
| Net interest margin | 3.1316% | 4,619 |
| Noninterest income to average assets | 0.3187% | 4,256 |
| Noninterest expense to average assets | 2.7238% | 2,986 |
| Loan and lease loss provision to assets | 0.0827% | 2,437 |
| Net operating income to assets | 0.3797% | 5,042 |
| Return on assets (ROA) | 0.3799% | 5,066 |
| Pretax return on assets | 0.4578% | 5,103 |
| Return on Equity (ROE) | 4.3863% | 4,746 |
| Retained earnings to average equity (ytd only) | 1.2095% | 4,920 |
| Net charge-offs to loans | 0.0521% | 2,399 |
| Credit loss provision to net charge-offs | 231.4286% | 1,208 |
| Earnings coverage of net charge-offs (x) | 15.1234% | 2,252 |
| Efficiency ratio | 83.4514% | 799 |
| Assets per employee ($millions) | 3.8989% | 4,163 |
| Cash dividends to net income (ytd only)* | 72.4260% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 4,257 |
| Loan loss allowance to noncurrent loans | 66.0953% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.0467% | 1,614 |
| Noncurrent loans to loans | 1.4613% | 1,278 |
| Net loans and leases to total assets | 68.9570% | 2,702 |
| Net loans and leases to deposits | 80.4158% | 2,931 |
| Net loans and leases to core deposits | 82.4891% | 3,245 |
| Total domestic deposits to total assets | 85.7505% | 2,407 |
| Equity capital to assets | 8.8230% | 5,062 |
| Core capital (leverage) ratio | 8.5595% | 5,200 |
| Tier 1 risk-based capital ratio | 13.6251% | 3,621 |
| Total risk-based capital ratio | 14.6791% | 3,668 |
| Memoranda: | ||
| Average total assets | $391,987,000 | 1,752 |
| Average earning assets | $368,668,250 | 1,726 |
| Average equity | $33,953,500 | 2,149 |
| Average total loans | $268,884,000 | 1,724 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6299% | 4,429 |
| Cost of funding earning assets | 0.5287% | 1,933 |
| Net interest margin | 3.1012% | 4,683 |
| Noninterest income to average assets | 0.2852% | 4,513 |
| Noninterest expense to average assets | 2.7065% | 3,071 |
| Loan and lease loss provision to assets | 0.0840% | 2,304 |
| Net operating income to assets | 0.3530% | 5,088 |
| Return on assets (ROA) | 0.3535% | 5,110 |
| Pretax return on assets | 0.4141% | 5,156 |
| Return on Equity (ROE) | 4.1059% | 4,799 |
| Retained earnings to average equity (ytd only) | 0.9762% | 4,845 |
| Net charge-offs to loans | 0.0373% | 2,455 |
| Credit loss provision to net charge-offs | 330.0000% | 900 |
| Earnings coverage of net charge-offs (x) | 19.5400% | 1,827 |
| Efficiency ratio | 84.4699% | 802 |
| Assets per employee ($millions) | 4.3522% | 3,343 |
| Cash dividends to net income (ytd only)* | 76.2248% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9589% | 4,373 |
| Loan loss allowance to noncurrent loans | 72.5167% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 0.9337% | 1,882 |
| Noncurrent loans to loans | 1.3223% | 1,463 |
| Net loans and leases to total assets | 67.7788% | 2,844 |
| Net loans and leases to deposits | 79.9674% | 2,910 |
| Net loans and leases to core deposits | 81.9527% | 3,257 |
| Total domestic deposits to total assets | 84.7581% | 2,905 |
| Equity capital to assets | 8.6454% | 5,189 |
| Core capital (leverage) ratio | 8.6115% | 5,132 |
| Tier 1 risk-based capital ratio | 13.5977% | 3,640 |
| Total risk-based capital ratio | 14.6510% | 3,662 |
| Memoranda: | ||
| Average total assets | $392,686,670 | 1,751 |
| Average earning assets | $369,596,330 | 1,723 |
| Average equity | $33,804,670 | 2,152 |
| Average total loans | $268,019,670 | 1,727 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6169% | 4,376 |
| Cost of funding earning assets | 0.5341% | 1,832 |
| Net interest margin | 3.0828% | 4,704 |
| Noninterest income to average assets | 0.2854% | 4,510 |
| Noninterest expense to average assets | 2.6097% | 3,461 |
| Loan and lease loss provision to assets | 0.1995% | 826 |
| Net operating income to assets | 0.3366% | 5,111 |
| Return on assets (ROA) | 0.3366% | 5,132 |
| Pretax return on assets | 0.3754% | 5,201 |
| Return on Equity (ROE) | 3.9182% | 4,809 |
| Retained earnings to average equity (ytd only) | 0.9408% | 4,682 |
| Net charge-offs to loans | 0.1156% | 1,244 |
| Credit loss provision to net charge-offs | 253.2468% | 877 |
| Earnings coverage of net charge-offs (x) | 7.2987% | 2,148 |
| Efficiency ratio | 81.9467% | 1,166 |
| Assets per employee ($millions) | 4.3936% | 3,343 |
| Cash dividends to net income (ytd only)* | 75.9878% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 4,473 |
| Loan loss allowance to noncurrent loans | 68.3215% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 1,840 |
| Noncurrent loans to loans | 1.4115% | 1,433 |
| Net loans and leases to total assets | 67.5530% | 2,740 |
| Net loans and leases to deposits | 78.3913% | 2,931 |
| Net loans and leases to core deposits | 80.4273% | 3,248 |
| Total domestic deposits to total assets | 86.1740% | 2,594 |
| Equity capital to assets | 8.5094% | 5,236 |
| Core capital (leverage) ratio | 8.6186% | 5,134 |
| Tier 1 risk-based capital ratio | 13.1447% | 3,999 |
| Total risk-based capital ratio | 14.1740% | 4,021 |
| Memoranda: | ||
| Average total assets | $391,006,500 | 1,768 |
| Average earning assets | $367,720,500 | 1,745 |
| Average equity | $33,587,000 | 2,171 |
| Average total loans | $266,512,000 | 1,749 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6169% | 4,469 |
| Cost of funding earning assets | 0.5779% | 1,499 |
| Net interest margin | 3.0390% | 4,876 |
| Noninterest income to average assets | 0.4022% | 3,869 |
| Noninterest expense to average assets | 2.7545% | 3,173 |
| Loan and lease loss provision to assets | 0.2222% | 985 |
| Net operating income to assets | 0.2960% | 5,229 |
| Return on assets (ROA) | 0.2965% | 5,297 |
| Pretax return on assets | 0.2844% | 5,382 |
| Return on Equity (ROE) | 3.3757% | 5,052 |
| Retained earnings to average equity (ytd only) | 0.4460% | 5,145 |
| Net charge-offs to loans | 0.5933% | 390 |
| Credit loss provision to net charge-offs | 56.5841% | 3,294 |
| Earnings coverage of net charge-offs (x) | 1.2888% | 4,006 |
| Efficiency ratio | 84.4771% | 971 |
| Assets per employee ($millions) | 4.2021% | 3,618 |
| Cash dividends to net income (ytd only)* | 86.7876% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 4,612 |
| Loan loss allowance to noncurrent loans | 65.5928% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.0091% | 1,877 |
| Noncurrent loans to loans | 1.4383% | 1,413 |
| Net loans and leases to total assets | 67.4666% | 2,857 |
| Net loans and leases to deposits | 78.6348% | 3,027 |
| Net loans and leases to core deposits | 80.7312% | 3,332 |
| Total domestic deposits to total assets | 85.7974% | 2,682 |
| Equity capital to assets | 8.6722% | 5,131 |
| Core capital (leverage) ratio | 8.6754% | 5,102 |
| Tier 1 risk-based capital ratio | 13.6293% | 3,690 |
| Total risk-based capital ratio | 14.6362% | 3,742 |
| Memoranda: | ||
| Average total assets | $390,597,800 | 1,720 |
| Average earning assets | $367,388,800 | 1,694 |
| Average equity | $34,304,000 | 2,120 |
| Average total loans | $258,535,600 | 1,743 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5977% | 4,559 |
| Cost of funding earning assets | 0.5843% | 1,462 |
| Net interest margin | 3.0134% | 4,990 |
| Noninterest income to average assets | 0.3183% | 4,493 |
| Noninterest expense to average assets | 2.8025% | 3,004 |
| Loan and lease loss provision to assets | 0.0793% | 2,630 |
| Net operating income to assets | 0.2550% | 5,381 |
| Return on assets (ROA) | 0.2554% | 5,450 |
| Pretax return on assets | 0.2727% | 5,486 |
| Return on Equity (ROE) | 2.8986% | 5,248 |
| Retained earnings to average equity (ytd only) | -0.0193% | 5,353 |
| Net charge-offs to loans | 0.5533% | 380 |
| Credit loss provision to net charge-offs | 21.8165% | 3,284 |
| Earnings coverage of net charge-offs (x) | 0.9672% | 3,744 |
| Efficiency ratio | 88.8493% | 624 |
| Assets per employee ($millions) | 4.1093% | 3,770 |
| Cash dividends to net income (ytd only)* | 100.6660% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 4,889 |
| Loan loss allowance to noncurrent loans | 91.5020% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 2,956 |
| Noncurrent loans to loans | 0.9790% | 2,280 |
| Net loans and leases to total assets | 65.6038% | 3,188 |
| Net loans and leases to deposits | 76.6345% | 3,334 |
| Net loans and leases to core deposits | 78.5981% | 3,602 |
| Total domestic deposits to total assets | 85.6060% | 2,555 |
| Equity capital to assets | 8.8807% | 5,258 |
| Core capital (leverage) ratio | 8.5831% | 5,282 |
| Tier 1 risk-based capital ratio | 13.7423% | 3,717 |
| Total risk-based capital ratio | 14.6936% | 3,804 |
| Memoranda: | ||
| Average total assets | $391,599,750 | 1,720 |
| Average earning assets | $368,522,750 | 1,692 |
| Average equity | $34,498,500 | 2,116 |
| Average total loans | $257,343,750 | 1,752 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5892% | 4,623 |
| Cost of funding earning assets | 0.5895% | 1,404 |
| Net interest margin | 2.9997% | 5,082 |
| Noninterest income to average assets | 0.3046% | 4,611 |
| Noninterest expense to average assets | 2.7076% | 3,368 |
| Loan and lease loss provision to assets | 0.0597% | 2,944 |
| Net operating income to assets | 0.3138% | 5,281 |
| Return on assets (ROA) | 0.3143% | 5,371 |
| Pretax return on assets | 0.3622% | 5,402 |
| Return on Equity (ROE) | 3.5771% | 5,062 |
| Retained earnings to average equity (ytd only) | 0.6446% | 5,115 |
| Net charge-offs to loans | 0.7596% | 268 |
| Credit loss provision to net charge-offs | 11.9877% | 2,986 |
| Earnings coverage of net charge-offs (x) | 0.8463% | 3,479 |
| Efficiency ratio | 86.5319% | 835 |
| Assets per employee ($millions) | 4.4789% | 3,068 |
| Cash dividends to net income (ytd only)* | 81.9805% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 4,954 |
| Loan loss allowance to noncurrent loans | 80.6122% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 2,669 |
| Noncurrent loans to loans | 1.1179% | 2,057 |
| Net loans and leases to total assets | 63.9216% | 3,372 |
| Net loans and leases to deposits | 74.5499% | 3,521 |
| Net loans and leases to core deposits | 76.7298% | 3,757 |
| Total domestic deposits to total assets | 85.7433% | 2,539 |
| Equity capital to assets | 8.9026% | 5,309 |
| Core capital (leverage) ratio | 8.5696% | 5,298 |
| Tier 1 risk-based capital ratio | 14.0518% | 3,572 |
| Total risk-based capital ratio | 15.0033% | 3,664 |
| Memoranda: | ||
| Average total assets | $392,004,330 | 1,723 |
| Average earning assets | $369,103,330 | 1,690 |
| Average equity | $34,441,670 | 2,124 |
| Average total loans | $256,984,000 | 1,758 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6447% | 4,491 |
| Cost of funding earning assets | 0.6002% | 1,335 |
| Net interest margin | 3.0445% | 5,018 |
| Noninterest income to average assets | 0.3018% | 4,569 |
| Noninterest expense to average assets | 2.7074% | 3,387 |
| Loan and lease loss provision to assets | 0.1197% | 1,760 |
| Net operating income to assets | 0.2979% | 5,314 |
| Return on assets (ROA) | 0.2988% | 5,389 |
| Pretax return on assets | 0.3407% | 5,425 |
| Return on Equity (ROE) | 3.4234% | 5,094 |
| Retained earnings to average equity (ytd only) | 0.4338% | 5,010 |
| Net charge-offs to loans | 1.4801% | 124 |
| Credit loss provision to net charge-offs | 12.2385% | 2,351 |
| Earnings coverage of net charge-offs (x) | 0.4697% | 2,927 |
| Efficiency ratio | 85.4927% | 1,022 |
| Assets per employee ($millions) | 4.4658% | 3,131 |
| Cash dividends to net income (ytd only)* | 87.3288% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 5,046 |
| Loan loss allowance to noncurrent loans | 82.0085% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7682% | 2,776 |
| Noncurrent loans to loans | 1.1027% | 2,196 |
| Net loans and leases to total assets | 64.4375% | 3,178 |
| Net loans and leases to deposits | 74.9846% | 3,323 |
| Net loans and leases to core deposits | 77.1167% | 3,579 |
| Total domestic deposits to total assets | 85.9344% | 2,696 |
| Equity capital to assets | 8.7414% | 5,388 |
| Core capital (leverage) ratio | 8.7531% | 5,120 |
| Tier 1 risk-based capital ratio | 14.2438% | 3,539 |
| Total risk-based capital ratio | 15.2082% | 3,643 |
| Memoranda: | ||
| Average total assets | $390,934,500 | 1,728 |
| Average earning assets | $367,875,000 | 1,692 |
| Average equity | $34,118,000 | 2,133 |
| Average total loans | $258,359,000 | 1,742 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6536% | 4,506 |
| Cost of funding earning assets | 0.6413% | 1,120 |
| Net interest margin | 3.0123% | 5,109 |
| Noninterest income to average assets | 0.4863% | 3,425 |
| Noninterest expense to average assets | 2.7327% | 3,473 |
| Loan and lease loss provision to assets | 0.4286% | 294 |
| Net operating income to assets | 0.1356% | 5,704 |
| Return on assets (ROA) | 0.3560% | 5,282 |
| Pretax return on assets | 0.4261% | 5,270 |
| Return on Equity (ROE) | 4.1863% | 4,857 |
| Retained earnings to average equity (ytd only) | 2.1704% | 4,486 |
| Net charge-offs to loans | 0.6206% | 390 |
| Credit loss provision to net charge-offs | 101.9242% | 2,458 |
| Earnings coverage of net charge-offs (x) | 1.4083% | 4,091 |
| Efficiency ratio | 82.1888% | 1,388 |
| Assets per employee ($millions) | 4.1815% | 3,605 |
| Cash dividends to net income (ytd only)* | 48.1534% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 3,445 |
| Loan loss allowance to noncurrent loans | 82.1382% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 2,186 |
| Noncurrent loans to loans | 1.4684% | 1,586 |
| Net loans and leases to total assets | 66.3507% | 2,936 |
| Net loans and leases to deposits | 77.3007% | 3,129 |
| Net loans and leases to core deposits | 79.4557% | 3,397 |
| Total domestic deposits to total assets | 85.8346% | 2,719 |
| Equity capital to assets | 8.7131% | 5,378 |
| Core capital (leverage) ratio | 8.6970% | 5,219 |
| Tier 1 risk-based capital ratio | 14.1203% | 3,653 |
| Total risk-based capital ratio | 15.3710% | 3,565 |
| Memoranda: | ||
| Average total assets | $395,467,400 | 1,666 |
| Average earning assets | $372,677,800 | 1,630 |
| Average equity | $33,633,800 | 2,116 |
| Average total loans | $267,963,800 | 1,630 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6539% | 4,564 |
| Cost of funding earning assets | 0.6464% | 1,115 |
| Net interest margin | 3.0076% | 5,171 |
| Noninterest income to average assets | 0.5147% | 3,264 |
| Noninterest expense to average assets | 2.7726% | 3,296 |
| Loan and lease loss provision to assets | 0.4314% | 263 |
| Net operating income to assets | 0.1257% | 5,816 |
| Return on assets (ROA) | 0.3166% | 5,492 |
| Pretax return on assets | 0.3707% | 5,526 |
| Return on Equity (ROE) | 3.7451% | 5,128 |
| Retained earnings to average equity (ytd only) | 1.0524% | 5,294 |
| Net charge-offs to loans | 0.6477% | 344 |
| Credit loss provision to net charge-offs | 98.0916% | 2,334 |
| Earnings coverage of net charge-offs (x) | 1.3130% | 3,851 |
| Efficiency ratio | 82.7621% | 1,299 |
| Assets per employee ($millions) | 4.2822% | 3,354 |
| Cash dividends to net income (ytd only)* | 71.8985% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 3,874 |
| Loan loss allowance to noncurrent loans | 68.8098% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 1.1410% | 2,088 |
| Noncurrent loans to loans | 1.6857% | 1,443 |
| Net loans and leases to total assets | 66.9028% | 2,864 |
| Net loans and leases to deposits | 77.7508% | 3,122 |
| Net loans and leases to core deposits | 79.5728% | 3,455 |
| Total domestic deposits to total assets | 86.0478% | 2,500 |
| Equity capital to assets | 8.5390% | 5,685 |
| Core capital (leverage) ratio | 8.4305% | 5,604 |
| Tier 1 risk-based capital ratio | 13.7147% | 4,013 |
| Total risk-based capital ratio | 14.9658% | 3,949 |
| Memoranda: | ||
| Average total assets | $397,115,250 | 1,674 |
| Average earning assets | $374,381,000 | 1,638 |
| Average equity | $33,571,500 | 2,126 |
| Average total loans | $269,661,750 | 1,627 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6525% | 4,567 |
| Cost of funding earning assets | 0.6532% | 1,080 |
| Net interest margin | 2.9993% | 5,220 |
| Noninterest income to average assets | 0.5470% | 3,059 |
| Noninterest expense to average assets | 2.8305% | 3,128 |
| Loan and lease loss provision to assets | 0.1507% | 1,412 |
| Net operating income to assets | 0.2903% | 5,468 |
| Return on assets (ROA) | 0.4646% | 5,017 |
| Pretax return on assets | 0.6314% | 4,889 |
| Return on Equity (ROE) | 5.5144% | 4,365 |
| Retained earnings to average equity (ytd only) | 2.4740% | 4,483 |
| Net charge-offs to loans | 0.1064% | 1,934 |
| Credit loss provision to net charge-offs | 208.3333% | 1,192 |
| Earnings coverage of net charge-offs (x) | 7.5556% | 2,656 |
| Efficiency ratio | 83.8167% | 1,281 |
| Assets per employee ($millions) | 4.1426% | 3,584 |
| Cash dividends to net income (ytd only)* | 55.1351% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 3,643 |
| Loan loss allowance to noncurrent loans | 60.7985% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.3513% | 1,853 |
| Noncurrent loans to loans | 2.0142% | 1,206 |
| Net loans and leases to total assets | 65.7189% | 3,000 |
| Net loans and leases to deposits | 76.0108% | 3,269 |
| Net loans and leases to core deposits | 77.9505% | 3,578 |
| Total domestic deposits to total assets | 86.4600% | 2,454 |
| Equity capital to assets | 8.2759% | 5,845 |
| Core capital (leverage) ratio | 8.5089% | 5,523 |
| Tier 1 risk-based capital ratio | 13.7015% | 4,095 |
| Total risk-based capital ratio | 14.9531% | 4,032 |
| Memoranda: | ||
| Average total assets | $398,167,670 | 1,680 |
| Average earning assets | $375,691,000 | 1,642 |
| Average equity | $33,548,670 | 2,133 |
| Average total loans | $270,661,670 | 1,624 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 4,293 |
| Cost of funding earning assets | 0.6629% | 1,031 |
| Net interest margin | 3.0590% | 5,065 |
| Noninterest income to average assets | 0.3300% | 4,550 |
| Noninterest expense to average assets | 2.8168% | 3,191 |
| Loan and lease loss provision to assets | 0.1514% | 1,347 |
| Net operating income to assets | 0.2179% | 5,635 |
| Return on assets (ROA) | 0.3946% | 5,200 |
| Pretax return on assets | 0.4501% | 5,318 |
| Return on Equity (ROE) | 4.6416% | 4,695 |
| Retained earnings to average equity (ytd only) | 1.3177% | 4,958 |
| Net charge-offs to loans | 0.1102% | 1,639 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 5.2933% | 2,399 |
| Efficiency ratio | 87.5471% | 1,053 |
| Assets per employee ($millions) | 4.0419% | 3,874 |
| Cash dividends to net income (ytd only)* | 71.6113% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 4,060 |
| Loan loss allowance to noncurrent loans | 93.4445% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 2,916 |
| Noncurrent loans to loans | 1.2676% | 2,255 |
| Net loans and leases to total assets | 66.5677% | 2,677 |
| Net loans and leases to deposits | 77.1585% | 2,926 |
| Net loans and leases to core deposits | 78.9430% | 3,284 |
| Total domestic deposits to total assets | 86.2740% | 2,785 |
| Equity capital to assets | 8.4553% | 5,769 |
| Core capital (leverage) ratio | 8.4226% | 5,599 |
| Tier 1 risk-based capital ratio | 13.0285% | 4,586 |
| Total risk-based capital ratio | 14.2792% | 4,500 |
| Memoranda: | ||
| Average total assets | $396,336,000 | 1,690 |
| Average earning assets | $374,112,000 | 1,655 |
| Average equity | $33,695,500 | 2,138 |
| Average total loans | $272,316,000 | 1,608 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 3,972 |
| Cost of funding earning assets | 0.6866% | 1,169 |
| Net interest margin | 3.2530% | 4,741 |
| Noninterest income to average assets | 0.3230% | 4,806 |
| Noninterest expense to average assets | 2.8344% | 3,361 |
| Loan and lease loss provision to assets | 0.2607% | 856 |
| Net operating income to assets | 0.2449% | 5,673 |
| Return on assets (ROA) | 0.4928% | 4,928 |
| Pretax return on assets | 0.5873% | 4,981 |
| Return on Equity (ROE) | 5.8536% | 4,224 |
| Retained earnings to average equity (ytd only) | 2.8813% | 4,185 |
| Net charge-offs to loans | 0.3151% | 1,399 |
| Credit loss provision to net charge-offs | 116.6857% | 2,047 |
| Earnings coverage of net charge-offs (x) | 2.4743% | 4,145 |
| Efficiency ratio | 83.6801% | 1,452 |
| Assets per employee ($millions) | 3.7718% | 4,403 |
| Cash dividends to net income (ytd only)* | 50.7772% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 4,371 |
| Loan loss allowance to noncurrent loans | 103.2792% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 3,290 |
| Noncurrent loans to loans | 1.0974% | 2,636 |
| Net loans and leases to total assets | 69.3395% | 2,332 |
| Net loans and leases to deposits | 80.6349% | 2,651 |
| Net loans and leases to core deposits | 82.9284% | 3,000 |
| Total domestic deposits to total assets | 85.9919% | 2,850 |
| Equity capital to assets | 8.5460% | 5,706 |
| Core capital (leverage) ratio | 8.3529% | 5,723 |
| Tier 1 risk-based capital ratio | 13.0680% | 4,681 |
| Total risk-based capital ratio | 14.3184% | 4,597 |
| Memoranda: | ||
| Average total assets | $391,647,200 | 1,673 |
| Average earning assets | $368,924,000 | 1,634 |
| Average equity | $32,971,200 | 2,114 |
| Average total loans | $277,727,600 | 1,531 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9440% | 3,998 |
| Cost of funding earning assets | 0.6807% | 1,251 |
| Net interest margin | 3.2632% | 4,748 |
| Noninterest income to average assets | 0.2779% | 5,214 |
| Noninterest expense to average assets | 2.8546% | 3,274 |
| Loan and lease loss provision to assets | 0.0937% | 2,488 |
| Net operating income to assets | 0.3354% | 5,474 |
| Return on assets (ROA) | 0.5017% | 4,933 |
| Pretax return on assets | 0.6001% | 5,026 |
| Return on Equity (ROE) | 5.9816% | 4,245 |
| Retained earnings to average equity (ytd only) | 3.0984% | 4,417 |
| Net charge-offs to loans | 0.3525% | 1,141 |
| Credit loss provision to net charge-offs | 37.3641% | 3,332 |
| Earnings coverage of net charge-offs (x) | 1.9783% | 4,027 |
| Efficiency ratio | 85.2002% | 1,263 |
| Assets per employee ($millions) | 3.9899% | 3,917 |
| Cash dividends to net income (ytd only)* | 48.2008% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 5,617 |
| Loan loss allowance to noncurrent loans | 100.6413% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6596% | 3,860 |
| Noncurrent loans to loans | 0.8895% | 3,346 |
| Net loans and leases to total assets | 68.9847% | 2,370 |
| Net loans and leases to deposits | 79.9494% | 2,697 |
| Net loans and leases to core deposits | 82.4662% | 3,059 |
| Total domestic deposits to total assets | 86.2855% | 2,710 |
| Equity capital to assets | 8.3751% | 5,890 |
| Core capital (leverage) ratio | 8.2803% | 5,852 |
| Tier 1 risk-based capital ratio | 12.5963% | 5,115 |
| Total risk-based capital ratio | 13.6238% | 5,179 |
| Memoranda: | ||
| Average total assets | $391,492,250 | 1,685 |
| Average earning assets | $368,621,750 | 1,648 |
| Average equity | $32,833,250 | 2,124 |
| Average total loans | $278,381,000 | 1,541 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9724% | 3,847 |
| Cost of funding earning assets | 0.6675% | 1,397 |
| Net interest margin | 3.3048% | 4,567 |
| Noninterest income to average assets | 0.3147% | 4,895 |
| Noninterest expense to average assets | 2.8876% | 3,211 |
| Loan and lease loss provision to assets | 0.0774% | 2,730 |
| Net operating income to assets | 0.3876% | 5,271 |
| Return on assets (ROA) | 0.4829% | 4,948 |
| Pretax return on assets | 0.5716% | 5,052 |
| Return on Equity (ROE) | 5.7551% | 4,302 |
| Retained earnings to average equity (ytd only) | 2.8099% | 4,413 |
| Net charge-offs to loans | 0.3306% | 1,233 |
| Credit loss provision to net charge-offs | 32.6797% | 3,020 |
| Earnings coverage of net charge-offs (x) | 2.2614% | 3,587 |
| Efficiency ratio | 84.3557% | 1,460 |
| Assets per employee ($millions) | 4.0646% | 3,701 |
| Cash dividends to net income (ytd only)* | 51.1752% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 5,584 |
| Loan loss allowance to noncurrent loans | 70.3195% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 3,077 |
| Noncurrent loans to loans | 1.3443% | 2,561 |
| Net loans and leases to total assets | 70.0530% | 2,074 |
| Net loans and leases to deposits | 81.2578% | 2,353 |
| Net loans and leases to core deposits | 83.5779% | 2,782 |
| Total domestic deposits to total assets | 86.2108% | 2,927 |
| Equity capital to assets | 8.4296% | 5,858 |
| Core capital (leverage) ratio | 8.3528% | 5,799 |
| Tier 1 risk-based capital ratio | 12.5596% | 5,187 |
| Total risk-based capital ratio | 13.6517% | 5,217 |
| Memoranda: | ||
| Average total assets | $387,662,330 | 1,697 |
| Average earning assets | $364,617,330 | 1,658 |
| Average equity | $32,527,670 | 2,131 |
| Average total loans | $277,672,330 | 1,535 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1011% | 3,279 |
| Cost of funding earning assets | 0.6556% | 1,552 |
| Net interest margin | 3.4455% | 3,919 |
| Noninterest income to average assets | 0.2804% | 5,123 |
| Noninterest expense to average assets | 2.9430% | 3,072 |
| Loan and lease loss provision to assets | 0.0387% | 3,298 |
| Net operating income to assets | 0.4399% | 4,976 |
| Return on assets (ROA) | 0.5085% | 4,726 |
| Pretax return on assets | 0.6141% | 4,784 |
| Return on Equity (ROE) | 6.0745% | 3,986 |
| Retained earnings to average equity (ytd only) | 3.0748% | 4,273 |
| Net charge-offs to loans | 0.0493% | 2,693 |
| Credit loss provision to net charge-offs | 108.8235% | 1,551 |
| Earnings coverage of net charge-offs (x) | 16.0294% | 1,522 |
| Efficiency ratio | 83.7701% | 1,700 |
| Assets per employee ($millions) | 3.9728% | 3,998 |
| Cash dividends to net income (ytd only)* | 49.3827% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 5,271 |
| Loan loss allowance to noncurrent loans | 71.3327% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.2932% | 2,704 |
| Noncurrent loans to loans | 1.4928% | 2,548 |
| Net loans and leases to total assets | 71.0210% | 1,718 |
| Net loans and leases to deposits | 82.4341% | 2,009 |
| Net loans and leases to core deposits | 84.4230% | 2,468 |
| Total domestic deposits to total assets | 86.1548% | 3,275 |
| Equity capital to assets | 8.4023% | 5,743 |
| Core capital (leverage) ratio | 8.6064% | 5,519 |
| Tier 1 risk-based capital ratio | 12.6593% | 5,216 |
| Total risk-based capital ratio | 13.8882% | 5,164 |
| Memoranda: | ||
| Average total assets | $382,326,500 | 1,730 |
| Average earning assets | $358,730,000 | 1,693 |
| Average equity | $32,002,500 | 2,154 |
| Average total loans | $275,654,500 | 1,553 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 3,082 |
| Cost of funding earning assets | 0.7423% | 1,549 |
| Net interest margin | 3.5249% | 3,789 |
| Noninterest income to average assets | 0.4208% | 4,292 |
| Noninterest expense to average assets | 2.8816% | 3,426 |
| Loan and lease loss provision to assets | 0.0682% | 3,767 |
| Net operating income to assets | 0.6287% | 4,117 |
| Return on assets (ROA) | 0.6979% | 3,899 |
| Pretax return on assets | 0.8714% | 3,884 |
| Return on Equity (ROE) | 8.3140% | 2,877 |
| Retained earnings to average equity (ytd only) | 5.2564% | 2,442 |
| Net charge-offs to loans | 0.2300% | 2,618 |
| Credit loss provision to net charge-offs | 43.6242% | 3,967 |
| Earnings coverage of net charge-offs (x) | 5.4597% | 3,294 |
| Efficiency ratio | 77.1585% | 2,597 |
| Assets per employee ($millions) | 3.7532% | 4,363 |
| Cash dividends to net income (ytd only)* | 36.7769% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 5,189 |
| Loan loss allowance to noncurrent loans | 68.7804% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.4633% | 2,547 |
| Noncurrent loans to loans | 1.5896% | 2,516 |
| Net loans and leases to total assets | 71.6330% | 1,747 |
| Net loans and leases to deposits | 83.3663% | 2,015 |
| Net loans and leases to core deposits | 85.4812% | 2,511 |
| Total domestic deposits to total assets | 85.9256% | 3,297 |
| Equity capital to assets | 8.3374% | 5,745 |
| Core capital (leverage) ratio | 8.5941% | 5,552 |
| Tier 1 risk-based capital ratio | 12.8701% | 5,068 |
| Total risk-based capital ratio | 14.1203% | 5,014 |
| Memoranda: | ||
| Average total assets | $381,450,600 | 1,719 |
| Average earning assets | $358,624,800 | 1,676 |
| Average equity | $32,018,400 | 2,132 |
| Average total loans | $259,184,000 | 1,599 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1769% | 3,473 |
| Cost of funding earning assets | 0.7730% | 1,469 |
| Net interest margin | 3.4039% | 4,270 |
| Noninterest income to average assets | 0.4108% | 4,443 |
| Noninterest expense to average assets | 2.8377% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6245% | 4,245 |
| Return on assets (ROA) | 0.6966% | 4,017 |
| Pretax return on assets | 0.8676% | 4,018 |
| Return on Equity (ROE) | 8.2855% | 2,983 |
| Retained earnings to average equity (ytd only) | 5.2214% | 2,917 |
| Net charge-offs to loans | 0.1734% | 2,838 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.7057% | 2,921 |
| Efficiency ratio | 78.4958% | 2,339 |
| Assets per employee ($millions) | 3.7069% | 4,438 |
| Cash dividends to net income (ytd only)* | 36.9815% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,205 |
| Loan loss allowance to noncurrent loans | 55.1539% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 1.6945% | 2,428 |
| Noncurrent loans to loans | 2.0504% | 2,193 |
| Net loans and leases to total assets | 68.7893% | 2,180 |
| Net loans and leases to deposits | 80.7013% | 2,304 |
| Net loans and leases to core deposits | 82.8316% | 2,786 |
| Total domestic deposits to total assets | 85.2394% | 3,617 |
| Equity capital to assets | 8.2178% | 5,988 |
| Core capital (leverage) ratio | 8.4087% | 5,852 |
| Tier 1 risk-based capital ratio | 13.2492% | 4,942 |
| Total risk-based capital ratio | 14.5002% | 4,885 |
| Memoranda: | ||
| Average total assets | $382,983,250 | 1,723 |
| Average earning assets | $360,513,500 | 1,675 |
| Average equity | $32,200,000 | 2,140 |
| Average total loans | $256,023,750 | 1,622 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0498% | 3,925 |
| Cost of funding earning assets | 0.7805% | 1,521 |
| Net interest margin | 3.2693% | 4,690 |
| Noninterest income to average assets | 0.3843% | 4,635 |
| Noninterest expense to average assets | 2.7857% | 3,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5684% | 4,462 |
| Return on assets (ROA) | 0.6219% | 4,348 |
| Pretax return on assets | 0.7473% | 4,519 |
| Return on Equity (ROE) | 7.3428% | 3,425 |
| Retained earnings to average equity (ytd only) | 4.2117% | 3,614 |
| Net charge-offs to loans | 0.1411% | 2,968 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.3352% | 2,561 |
| Efficiency ratio | 80.3148% | 2,113 |
| Assets per employee ($millions) | 3.6969% | 4,406 |
| Cash dividends to net income (ytd only)* | 42.6421% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 4,875 |
| Loan loss allowance to noncurrent loans | 53.5421% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 1.6209% | 2,678 |
| Noncurrent loans to loans | 2.2835% | 2,076 |
| Net loans and leases to total assets | 66.3885% | 2,523 |
| Net loans and leases to deposits | 77.0101% | 2,724 |
| Net loans and leases to core deposits | 79.1364% | 3,144 |
| Total domestic deposits to total assets | 86.2075% | 3,259 |
| Equity capital to assets | 8.2271% | 6,039 |
| Core capital (leverage) ratio | 8.1731% | 6,032 |
| Tier 1 risk-based capital ratio | 13.0342% | 5,120 |
| Total risk-based capital ratio | 14.2857% | 5,060 |
| Memoranda: | ||
| Average total assets | $384,608,670 | 1,720 |
| Average earning assets | $362,828,330 | 1,670 |
| Average equity | $32,576,000 | 2,124 |
| Average total loans | $253,674,330 | 1,638 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9807% | 4,195 |
| Cost of funding earning assets | 0.7854% | 1,612 |
| Net interest margin | 3.1953% | 4,949 |
| Noninterest income to average assets | 0.3798% | 4,625 |
| Noninterest expense to average assets | 2.7559% | 3,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5560% | 4,427 |
| Return on assets (ROA) | 0.5578% | 4,579 |
| Pretax return on assets | 0.6447% | 4,791 |
| Return on Equity (ROE) | 6.4939% | 3,766 |
| Retained earnings to average equity (ytd only) | 3.7228% | 3,996 |
| Net charge-offs to loans | 0.0269% | 3,655 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 36.5294% | 849 |
| Efficiency ratio | 81.0901% | 2,176 |
| Assets per employee ($millions) | 3.7973% | 4,356 |
| Cash dividends to net income (ytd only)* | 42.6716% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 4,715 |
| Loan loss allowance to noncurrent loans | 58.3304% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 1.5630% | 2,919 |
| Noncurrent loans to loans | 2.2228% | 2,361 |
| Net loans and leases to total assets | 64.6820% | 2,588 |
| Net loans and leases to deposits | 75.1989% | 2,743 |
| Net loans and leases to core deposits | 77.6815% | 3,118 |
| Total domestic deposits to total assets | 86.0146% | 3,521 |
| Equity capital to assets | 8.5590% | 5,954 |
| Core capital (leverage) ratio | 8.0944% | 6,050 |
| Tier 1 risk-based capital ratio | 12.8583% | 5,332 |
| Total risk-based capital ratio | 14.1108% | 5,274 |
| Memoranda: | ||
| Average total assets | $386,523,000 | 1,731 |
| Average earning assets | $365,162,500 | 1,671 |
| Average equity | $33,200,500 | 2,116 |
| Average total loans | $252,550,000 | 1,650 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 3,528 |
| Cost of funding earning assets | 0.9190% | 1,822 |
| Net interest margin | 3.5502% | 4,301 |
| Noninterest income to average assets | 0.4320% | 4,371 |
| Noninterest expense to average assets | 2.8453% | 3,856 |
| Loan and lease loss provision to assets | 0.0664% | 4,919 |
| Net operating income to assets | 0.6848% | 3,809 |
| Return on assets (ROA) | 0.7190% | 3,900 |
| Pretax return on assets | 0.9044% | 3,900 |
| Return on Equity (ROE) | 8.4100% | 2,913 |
| Retained earnings to average equity (ytd only) | 5.3643% | 2,458 |
| Net charge-offs to loans | 0.3528% | 2,869 |
| Credit loss provision to net charge-offs | 28.6369% | 5,138 |
| Earnings coverage of net charge-offs (x) | 3.9989% | 3,519 |
| Efficiency ratio | 75.4155% | 2,844 |
| Assets per employee ($millions) | 3.7449% | 4,479 |
| Cash dividends to net income (ytd only)* | 36.2158% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 4,545 |
| Loan loss allowance to noncurrent loans | 58.8403% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.5814% | 3,016 |
| Noncurrent loans to loans | 2.2373% | 2,423 |
| Net loans and leases to total assets | 64.2878% | 2,847 |
| Net loans and leases to deposits | 74.9364% | 2,974 |
| Net loans and leases to core deposits | 77.2939% | 3,360 |
| Total domestic deposits to total assets | 85.7898% | 3,465 |
| Equity capital to assets | 8.6202% | 5,947 |
| Core capital (leverage) ratio | 8.0468% | 6,147 |
| Tier 1 risk-based capital ratio | 12.7703% | 5,275 |
| Total risk-based capital ratio | 14.0230% | 5,211 |
| Memoranda: | ||
| Average total assets | $376,375,000 | 1,732 |
| Average earning assets | $354,177,800 | 1,685 |
| Average equity | $32,175,800 | 2,133 |
| Average total loans | $247,457,800 | 1,666 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 3,428 |
| Cost of funding earning assets | 0.9434% | 1,886 |
| Net interest margin | 3.6063% | 4,212 |
| Noninterest income to average assets | 0.4253% | 4,437 |
| Noninterest expense to average assets | 2.8677% | 3,724 |
| Loan and lease loss provision to assets | 0.0535% | 5,080 |
| Net operating income to assets | 0.7111% | 3,866 |
| Return on assets (ROA) | 0.7443% | 3,967 |
| Pretax return on assets | 0.9364% | 3,974 |
| Return on Equity (ROE) | 8.7251% | 2,936 |
| Retained earnings to average equity (ytd only) | 5.7582% | 2,860 |
| Net charge-offs to loans | 0.0741% | 4,668 |
| Credit loss provision to net charge-offs | 109.4891% | 2,683 |
| Earnings coverage of net charge-offs (x) | 19.4090% | 1,498 |
| Efficiency ratio | 75.1588% | 2,797 |
| Assets per employee ($millions) | 3.5288% | 4,909 |
| Cash dividends to net income (ytd only)* | 34.0037% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 3,716 |
| Loan loss allowance to noncurrent loans | 111.0986% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 1.1693% | 3,947 |
| Noncurrent loans to loans | 1.3986% | 3,703 |
| Net loans and leases to total assets | 66.1778% | 2,621 |
| Net loans and leases to deposits | 77.3562% | 2,753 |
| Net loans and leases to core deposits | 79.5705% | 3,261 |
| Total domestic deposits to total assets | 85.5494% | 3,482 |
| Equity capital to assets | 8.7446% | 6,073 |
| Core capital (leverage) ratio | 7.9948% | 6,335 |
| Tier 1 risk-based capital ratio | 12.6774% | 5,498 |
| Total risk-based capital ratio | 13.9331% | 5,458 |
| Memoranda: | ||
| Average total assets | $374,038,250 | 1,763 |
| Average earning assets | $351,633,000 | 1,712 |
| Average equity | $31,907,250 | 2,165 |
| Average total loans | $246,502,250 | 1,685 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 3,525 |
| Cost of funding earning assets | 0.9577% | 2,012 |
| Net interest margin | 3.6032% | 4,247 |
| Noninterest income to average assets | 0.4125% | 4,562 |
| Noninterest expense to average assets | 2.8724% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7326% | 3,694 |
| Return on assets (ROA) | 0.7563% | 3,847 |
| Pretax return on assets | 0.9564% | 3,865 |
| Return on Equity (ROE) | 8.9419% | 2,836 |
| Retained earnings to average equity (ytd only) | 5.8344% | 2,809 |
| Net charge-offs to loans | 0.1221% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.5906% | 1,948 |
| Efficiency ratio | 75.6142% | 2,808 |
| Assets per employee ($millions) | 3.5754% | 4,804 |
| Cash dividends to net income (ytd only)* | 34.7518% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 4,033 |
| Loan loss allowance to noncurrent loans | 80.5881% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.4227% | 3,591 |
| Noncurrent loans to loans | 1.8540% | 3,142 |
| Net loans and leases to total assets | 65.7937% | 2,714 |
| Net loans and leases to deposits | 77.3370% | 2,779 |
| Net loans and leases to core deposits | 79.7988% | 3,249 |
| Total domestic deposits to total assets | 85.0741% | 3,824 |
| Equity capital to assets | 8.4482% | 6,262 |
| Core capital (leverage) ratio | 7.9706% | 6,304 |
| Tier 1 risk-based capital ratio | 12.5775% | 5,514 |
| Total risk-based capital ratio | 13.8327% | 5,490 |
| Memoranda: | ||
| Average total assets | $372,856,670 | 1,767 |
| Average earning assets | $350,406,330 | 1,720 |
| Average equity | $31,537,000 | 2,171 |
| Average total loans | $244,063,000 | 1,698 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 3,148 |
| Cost of funding earning assets | 0.9766% | 2,122 |
| Net interest margin | 3.6992% | 3,830 |
| Noninterest income to average assets | 0.4175% | 4,536 |
| Noninterest expense to average assets | 2.8849% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7802% | 3,472 |
| Return on assets (ROA) | 0.7994% | 3,618 |
| Pretax return on assets | 1.0319% | 3,562 |
| Return on Equity (ROE) | 9.4451% | 2,625 |
| Retained earnings to average equity (ytd only) | 6.2499% | 2,818 |
| Net charge-offs to loans | 0.1753% | 3,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.8667% | 1,907 |
| Efficiency ratio | 74.1245% | 3,086 |
| Assets per employee ($millions) | 3.4339% | 5,268 |
| Cash dividends to net income (ytd only)* | 33.8295% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 3,815 |
| Loan loss allowance to noncurrent loans | 79.7083% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.5306% | 3,565 |
| Noncurrent loans to loans | 1.9803% | 3,186 |
| Net loans and leases to total assets | 63.7361% | 2,903 |
| Net loans and leases to deposits | 74.1957% | 3,096 |
| Net loans and leases to core deposits | 76.5167% | 3,555 |
| Total domestic deposits to total assets | 85.9027% | 3,587 |
| Equity capital to assets | 8.4654% | 6,115 |
| Core capital (leverage) ratio | 8.0584% | 6,202 |
| Tier 1 risk-based capital ratio | 12.2987% | 5,757 |
| Total risk-based capital ratio | 13.5539% | 5,713 |
| Memoranda: | ||
| Average total assets | $369,789,000 | 1,788 |
| Average earning assets | $347,316,000 | 1,741 |
| Average equity | $31,296,500 | 2,184 |
| Average total loans | $239,527,000 | 1,722 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1370% | 2,304 |
| Cost of funding earning assets | 1.1036% | 2,648 |
| Net interest margin | 4.0335% | 2,715 |
| Noninterest income to average assets | 0.4526% | 4,194 |
| Noninterest expense to average assets | 3.0725% | 3,299 |
| Loan and lease loss provision to assets | 0.1854% | 4,338 |
| Net operating income to assets | 0.7620% | 3,208 |
| Return on assets (ROA) | 0.8475% | 2,988 |
| Pretax return on assets | 1.0679% | 2,966 |
| Return on Equity (ROE) | 10.6069% | 1,839 |
| Retained earnings to average equity (ytd only) | 7.3863% | 1,325 |
| Net charge-offs to loans | 0.0566% | 5,743 |
| Credit loss provision to net charge-offs | 502.2727% | 452 |
| Earnings coverage of net charge-offs (x) | 31.0152% | 824 |
| Efficiency ratio | 72.8497% | 3,418 |
| Assets per employee ($millions) | 3.3822% | 5,291 |
| Cash dividends to net income (ytd only)* | 30.3630% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6610% | 3,330 |
| Loan loss allowance to noncurrent loans | 77.3819% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.6949% | 3,407 |
| Noncurrent loans to loans | 2.1465% | 3,013 |
| Net loans and leases to total assets | 63.7139% | 3,252 |
| Net loans and leases to deposits | 74.4653% | 3,426 |
| Net loans and leases to core deposits | 76.8122% | 3,855 |
| Total domestic deposits to total assets | 85.5618% | 3,562 |
| Equity capital to assets | 8.4612% | 6,192 |
| Core capital (leverage) ratio | 8.0039% | 6,261 |
| Tier 1 risk-based capital ratio | 12.9425% | 5,117 |
| Total risk-based capital ratio | 14.1998% | 5,092 |
| Memoranda: | ||
| Average total assets | $357,528,000 | 1,813 |
| Average earning assets | $333,734,000 | 1,777 |
| Average equity | $28,566,400 | 2,296 |
| Average total loans | $233,382,800 | 1,790 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2146% | 2,151 |
| Cost of funding earning assets | 1.1188% | 2,841 |
| Net interest margin | 4.0958% | 2,494 |
| Noninterest income to average assets | 0.4387% | 4,374 |
| Noninterest expense to average assets | 3.1230% | 3,081 |
| Loan and lease loss provision to assets | 0.1406% | 4,682 |
| Net operating income to assets | 0.7573% | 3,355 |
| Return on assets (ROA) | 0.8496% | 3,095 |
| Pretax return on assets | 1.1155% | 2,942 |
| Return on Equity (ROE) | 10.7974% | 1,929 |
| Retained earnings to average equity (ytd only) | 7.8431% | 1,568 |
| Net charge-offs to loans | 0.0631% | 5,338 |
| Credit loss provision to net charge-offs | 340.9091% | 827 |
| Earnings coverage of net charge-offs (x) | 27.5097% | 988 |
| Efficiency ratio | 73.3509% | 3,307 |
| Assets per employee ($millions) | 3.3238% | 5,435 |
| Cash dividends to net income (ytd only)* | 27.3611% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 3,710 |
| Loan loss allowance to noncurrent loans | 72.4308% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.7270% | 3,506 |
| Noncurrent loans to loans | 2.1965% | 3,118 |
| Net loans and leases to total assets | 62.5735% | 3,591 |
| Net loans and leases to deposits | 73.0649% | 3,799 |
| Net loans and leases to core deposits | 75.3148% | 4,276 |
| Total domestic deposits to total assets | 85.6411% | 3,424 |
| Equity capital to assets | 8.3136% | 6,472 |
| Core capital (leverage) ratio | 7.9669% | 6,428 |
| Tier 1 risk-based capital ratio | 13.0469% | 5,062 |
| Total risk-based capital ratio | 14.3034% | 5,028 |
| Memoranda: | ||
| Average total assets | $355,590,000 | 1,832 |
| Average earning assets | $331,548,500 | 1,800 |
| Average equity | $27,981,250 | 2,335 |
| Average total loans | $232,562,250 | 1,807 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2365% | 2,116 |
| Cost of funding earning assets | 1.1343% | 3,013 |
| Net interest margin | 4.1021% | 2,401 |
| Noninterest income to average assets | 0.4296% | 4,429 |
| Noninterest expense to average assets | 3.1521% | 3,073 |
| Loan and lease loss provision to assets | 0.1274% | 4,698 |
| Net operating income to assets | 0.7390% | 3,340 |
| Return on assets (ROA) | 0.8422% | 2,990 |
| Pretax return on assets | 1.1054% | 2,831 |
| Return on Equity (ROE) | 10.9138% | 1,826 |
| Retained earnings to average equity (ytd only) | 7.6866% | 1,587 |
| Net charge-offs to loans | 0.0257% | 5,463 |
| Credit loss provision to net charge-offs | 750.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 64.6000% | 507 |
| Efficiency ratio | 74.1841% | 3,333 |
| Assets per employee ($millions) | 3.2555% | 5,511 |
| Cash dividends to net income (ytd only)* | 29.5699% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 3,951 |
| Loan loss allowance to noncurrent loans | 72.7733% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.7802% | 3,537 |
| Noncurrent loans to loans | 2.1134% | 3,337 |
| Net loans and leases to total assets | 64.2704% | 3,403 |
| Net loans and leases to deposits | 74.8258% | 3,670 |
| Net loans and leases to core deposits | 76.6288% | 4,236 |
| Total domestic deposits to total assets | 85.8933% | 3,381 |
| Equity capital to assets | 8.0236% | 6,669 |
| Core capital (leverage) ratio | 7.8202% | 6,496 |
| Tier 1 risk-based capital ratio | 12.5643% | 5,275 |
| Total risk-based capital ratio | 13.8199% | 5,246 |
| Memoranda: | ||
| Average total assets | $353,354,330 | 1,857 |
| Average earning assets | $329,000,000 | 1,814 |
| Average equity | $27,268,330 | 2,363 |
| Average total loans | $233,294,000 | 1,827 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2519% | 2,042 |
| Cost of funding earning assets | 1.1501% | 3,157 |
| Net interest margin | 4.1019% | 2,259 |
| Noninterest income to average assets | 0.4775% | 4,069 |
| Noninterest expense to average assets | 3.1614% | 3,021 |
| Loan and lease loss provision to assets | 0.2564% | 3,092 |
| Net operating income to assets | 0.6715% | 3,653 |
| Return on assets (ROA) | 0.8171% | 2,998 |
| Pretax return on assets | 1.0656% | 2,882 |
| Return on Equity (ROE) | 10.8080% | 1,803 |
| Retained earnings to average equity (ytd only) | 7.7932% | 1,809 |
| Net charge-offs to loans | 0.1253% | 3,772 |
| Credit loss provision to net charge-offs | 308.2192% | 1,043 |
| Earnings coverage of net charge-offs (x) | 13.6164% | 1,423 |
| Efficiency ratio | 73.6200% | 3,587 |
| Assets per employee ($millions) | 3.2267% | 5,651 |
| Cash dividends to net income (ytd only)* | 27.8940% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 4,086 |
| Loan loss allowance to noncurrent loans | 57.5036% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 2.1691% | 3,107 |
| Noncurrent loans to loans | 2.6524% | 2,838 |
| Net loans and leases to total assets | 64.6103% | 3,331 |
| Net loans and leases to deposits | 74.9089% | 3,614 |
| Net loans and leases to core deposits | 77.2552% | 4,119 |
| Total domestic deposits to total assets | 86.2518% | 3,362 |
| Equity capital to assets | 7.6424% | 6,787 |
| Core capital (leverage) ratio | 7.8234% | 6,441 |
| Tier 1 risk-based capital ratio | 12.2272% | 5,498 |
| Total risk-based capital ratio | 13.4825% | 5,494 |
| Memoranda: | ||
| Average total assets | $350,978,500 | 1,879 |
| Average earning assets | $326,583,500 | 1,834 |
| Average equity | $26,536,000 | 2,407 |
| Average total loans | $233,065,500 | 1,847 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4919% | 2,318 |
| Cost of funding earning assets | 1.4060% | 3,223 |
| Net interest margin | 4.0859% | 2,636 |
| Noninterest income to average assets | 0.5152% | 4,056 |
| Noninterest expense to average assets | 3.0772% | 3,558 |
| Loan and lease loss provision to assets | 0.2958% | 4,432 |
| Net operating income to assets | 0.7290% | 3,104 |
| Return on assets (ROA) | 0.7102% | 3,323 |
| Pretax return on assets | 0.9251% | 3,173 |
| Return on Equity (ROE) | 8.6920% | 2,422 |
| Retained earnings to average equity (ytd only) | -13.5638% | 6,822 |
| Net charge-offs to loans | 0.5212% | 3,538 |
| Credit loss provision to net charge-offs | 85.8545% | 5,295 |
| Earnings coverage of net charge-offs (x) | 3.6149% | 3,276 |
| Efficiency ratio | 71.1893% | 3,953 |
| Assets per employee ($millions) | 2.9408% | 6,230 |
| Cash dividends to net income (ytd only)* | 256.0492% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 4,237 |
| Loan loss allowance to noncurrent loans | 48.6897% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 2.0743% | 3,254 |
| Noncurrent loans to loans | 2.9938% | 2,558 |
| Net loans and leases to total assets | 66.2363% | 3,418 |
| Net loans and leases to deposits | 77.9123% | 3,524 |
| Net loans and leases to core deposits | 80.3497% | 4,161 |
| Total domestic deposits to total assets | 85.0139% | 3,843 |
| Equity capital to assets | 7.4769% | 6,890 |
| Core capital (leverage) ratio | 7.7387% | 6,508 |
| Tier 1 risk-based capital ratio | 11.1707% | 6,200 |
| Total risk-based capital ratio | 12.4236% | 6,175 |
| Memoranda: | ||
| Average total assets | $354,992,800 | 1,839 |
| Average earning assets | $330,797,200 | 1,803 |
| Average equity | $29,003,600 | 2,238 |
| Average total loans | $234,656,600 | 1,862 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5201% | 2,353 |
| Cost of funding earning assets | 1.4654% | 3,180 |
| Net interest margin | 4.0547% | 2,836 |
| Noninterest income to average assets | 0.5124% | 4,081 |
| Noninterest expense to average assets | 3.0480% | 3,582 |
| Loan and lease loss provision to assets | 0.3922% | 3,543 |
| Net operating income to assets | 0.6623% | 3,593 |
| Return on assets (ROA) | 0.6943% | 3,599 |
| Pretax return on assets | 0.8926% | 3,582 |
| Return on Equity (ROE) | 8.3264% | 2,781 |
| Retained earnings to average equity (ytd only) | -19.4611% | 7,192 |
| Net charge-offs to loans | 0.3177% | 4,068 |
| Credit loss provision to net charge-offs | 187.5000% | 1,921 |
| Earnings coverage of net charge-offs (x) | 5.9464% | 2,630 |
| Efficiency ratio | 71.0208% | 3,880 |
| Assets per employee ($millions) | 3.1102% | 5,901 |
| Cash dividends to net income (ytd only)* | 333.7283% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7667% | 2,908 |
| Loan loss allowance to noncurrent loans | 70.5260% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.7156% | 3,871 |
| Noncurrent loans to loans | 2.5051% | 3,112 |
| Net loans and leases to total assets | 64.8524% | 3,938 |
| Net loans and leases to deposits | 75.5353% | 4,261 |
| Net loans and leases to core deposits | 77.7259% | 4,834 |
| Total domestic deposits to total assets | 85.8570% | 3,152 |
| Equity capital to assets | 7.8233% | 6,917 |
| Core capital (leverage) ratio | 7.2985% | 7,007 |
| Tier 1 risk-based capital ratio | 11.8007% | 5,635 |
| Total risk-based capital ratio | 13.0596% | 5,609 |
| Memoranda: | ||
| Average total assets | $356,987,250 | 1,853 |
| Average earning assets | $332,739,250 | 1,821 |
| Average equity | $29,768,000 | 2,216 |
| Average total loans | $235,008,250 | 1,881 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4736% | 2,640 |
| Cost of funding earning assets | 1.4720% | 3,417 |
| Net interest margin | 4.0016% | 3,008 |
| Noninterest income to average assets | 0.4652% | 4,394 |
| Noninterest expense to average assets | 3.0361% | 3,567 |
| Loan and lease loss provision to assets | 0.4168% | 3,236 |
| Net operating income to assets | 0.6058% | 3,858 |
| Return on assets (ROA) | 0.5758% | 4,114 |
| Pretax return on assets | 0.7058% | 4,211 |
| Return on Equity (ROE) | 6.7698% | 3,410 |
| Retained earnings to average equity (ytd only) | 3.4698% | 3,894 |
| Net charge-offs to loans | 0.3617% | 3,546 |
| Credit loss provision to net charge-offs | 175.2336% | 2,234 |
| Earnings coverage of net charge-offs (x) | 4.8738% | 2,817 |
| Efficiency ratio | 72.3672% | 3,758 |
| Assets per employee ($millions) | 3.2798% | 5,482 |
| Cash dividends to net income (ytd only)* | 48.7452% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 3,170 |
| Loan loss allowance to noncurrent loans | 95.5828% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.2668% | 4,612 |
| Noncurrent loans to loans | 1.7506% | 4,057 |
| Net loans and leases to total assets | 62.8695% | 4,496 |
| Net loans and leases to deposits | 75.3528% | 4,446 |
| Net loans and leases to core deposits | 77.6308% | 5,007 |
| Total domestic deposits to total assets | 83.4335% | 4,376 |
| Equity capital to assets | 8.6778% | 5,912 |
| Core capital (leverage) ratio | 8.5872% | 5,259 |
| Tier 1 risk-based capital ratio | 13.5710% | 4,024 |
| Total risk-based capital ratio | 14.8277% | 3,984 |
| Memoranda: | ||
| Average total assets | $359,869,000 | 1,856 |
| Average earning assets | $335,466,330 | 1,822 |
| Average equity | $30,606,670 | 2,154 |
| Average total loans | $236,687,330 | 1,892 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4836% | 2,668 |
| Cost of funding earning assets | 1.5102% | 3,491 |
| Net interest margin | 3.9735% | 2,984 |
| Noninterest income to average assets | 0.4606% | 4,379 |
| Noninterest expense to average assets | 3.0466% | 3,494 |
| Loan and lease loss provision to assets | 0.3354% | 3,379 |
| Net operating income to assets | 0.6183% | 3,815 |
| Return on assets (ROA) | 0.6183% | 3,951 |
| Pretax return on assets | 0.7793% | 3,954 |
| Return on Equity (ROE) | 7.3454% | 3,182 |
| Retained earnings to average equity (ytd only) | 2.3643% | 4,720 |
| Net charge-offs to loans | 0.6336% | 2,238 |
| Credit loss provision to net charge-offs | 79.3651% | 3,893 |
| Earnings coverage of net charge-offs (x) | 2.6376% | 3,217 |
| Efficiency ratio | 73.2133% | 3,721 |
| Assets per employee ($millions) | 3.1794% | 5,811 |
| Cash dividends to net income (ytd only)* | 67.8119% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 4,071 |
| Loan loss allowance to noncurrent loans | 78.2054% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.3218% | 4,547 |
| Noncurrent loans to loans | 1.8790% | 3,954 |
| Net loans and leases to total assets | 64.6532% | 4,181 |
| Net loans and leases to deposits | 77.1112% | 4,198 |
| Net loans and leases to core deposits | 79.2172% | 4,863 |
| Total domestic deposits to total assets | 83.8440% | 4,221 |
| Equity capital to assets | 8.3818% | 6,181 |
| Core capital (leverage) ratio | 8.7269% | 4,977 |
| Tier 1 risk-based capital ratio | 13.1700% | 4,227 |
| Total risk-based capital ratio | 14.4240% | 4,184 |
| Memoranda: | ||
| Average total assets | $357,776,500 | 1,916 |
| Average earning assets | $333,210,000 | 1,880 |
| Average equity | $30,114,000 | 2,211 |
| Average total loans | $238,644,000 | 1,933 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7531% | 2,851 |
| Cost of funding earning assets | 1.8486% | 3,740 |
| Net interest margin | 3.9044% | 3,251 |
| Noninterest income to average assets | 0.4982% | 4,427 |
| Noninterest expense to average assets | 3.0888% | 3,794 |
| Loan and lease loss provision to assets | 0.6995% | 3,023 |
| Net operating income to assets | 0.3339% | 4,395 |
| Return on assets (ROA) | 0.4782% | 3,921 |
| Pretax return on assets | 0.4819% | 4,244 |
| Return on Equity (ROE) | 5.2626% | 3,553 |
| Retained earnings to average equity (ytd only) | -7.2952% | 6,271 |
| Net charge-offs to loans | 0.3719% | 4,352 |
| Credit loss provision to net charge-offs | 273.8789% | 1,254 |
| Earnings coverage of net charge-offs (x) | 4.0549% | 3,085 |
| Efficiency ratio | 74.8889% | 3,726 |
| Assets per employee ($millions) | 3.0440% | 6,113 |
| Cash dividends to net income (ytd only)* | 238.6228% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 3,770 |
| Loan loss allowance to noncurrent loans | 117.6103% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.8675% | 5,377 |
| Noncurrent loans to loans | 1.2687% | 4,810 |
| Net loans and leases to total assets | 66.8034% | 3,969 |
| Net loans and leases to deposits | 79.9825% | 3,995 |
| Net loans and leases to core deposits | 94.4771% | 4,629 |
| Total domestic deposits to total assets | 83.5225% | 4,268 |
| Equity capital to assets | 8.4532% | 5,963 |
| Core capital (leverage) ratio | 8.6759% | 4,961 |
| Tier 1 risk-based capital ratio | 13.1159% | 4,070 |
| Total risk-based capital ratio | 14.3705% | 4,010 |
| Memoranda: | ||
| Average total assets | $349,231,400 | 1,951 |
| Average earning assets | $324,349,200 | 1,917 |
| Average equity | $31,733,400 | 2,109 |
| Average total loans | $239,863,200 | 1,952 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7638% | 3,044 |
| Cost of funding earning assets | 1.8815% | 3,976 |
| Net interest margin | 3.8822% | 3,296 |
| Noninterest income to average assets | 0.4954% | 4,522 |
| Noninterest expense to average assets | 3.0424% | 3,875 |
| Loan and lease loss provision to assets | 0.2665% | 4,831 |
| Net operating income to assets | 0.6328% | 3,487 |
| Return on assets (ROA) | 0.6799% | 3,338 |
| Pretax return on assets | 0.8491% | 3,380 |
| Return on Equity (ROE) | 7.3528% | 2,929 |
| Retained earnings to average equity (ytd only) | -8.0235% | 6,605 |
| Net charge-offs to loans | 0.4200% | 3,583 |
| Credit loss provision to net charge-offs | 92.0635% | 5,432 |
| Earnings coverage of net charge-offs (x) | 3.6508% | 3,439 |
| Efficiency ratio | 74.2225% | 3,832 |
| Assets per employee ($millions) | 3.0808% | 5,958 |
| Cash dividends to net income (ytd only)* | 209.1219% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 7,077 |
| Loan loss allowance to noncurrent loans | 55.3299% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.0124% | 5,052 |
| Noncurrent loans to loans | 1.4708% | 4,478 |
| Net loans and leases to total assets | 67.4967% | 4,071 |
| Net loans and leases to deposits | 81.3519% | 4,143 |
| Net loans and leases to core deposits | 96.1652% | 4,796 |
| Total domestic deposits to total assets | 82.9688% | 4,238 |
| Equity capital to assets | 8.9661% | 5,530 |
| Core capital (leverage) ratio | 8.7598% | 5,034 |
| Tier 1 risk-based capital ratio | 13.1758% | 4,068 |
| Total risk-based capital ratio | 14.0871% | 4,240 |
| Memoranda: | ||
| Average total assets | $348,264,500 | 1,968 |
| Average earning assets | $323,276,000 | 1,944 |
| Average equity | $32,204,750 | 2,091 |
| Average total loans | $239,965,250 | 1,973 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7679% | 3,204 |
| Cost of funding earning assets | 1.9053% | 4,230 |
| Net interest margin | 3.8625% | 3,280 |
| Noninterest income to average assets | 0.4823% | 4,605 |
| Noninterest expense to average assets | 3.0417% | 3,911 |
| Loan and lease loss provision to assets | 0.2074% | 4,976 |
| Net operating income to assets | 0.6564% | 3,443 |
| Return on assets (ROA) | 0.6654% | 3,518 |
| Pretax return on assets | 0.8156% | 3,618 |
| Return on Equity (ROE) | 7.1219% | 3,155 |
| Retained earnings to average equity (ytd only) | 2.0958% | 4,180 |
| Net charge-offs to loans | 0.4867% | 2,879 |
| Credit loss provision to net charge-offs | 61.5780% | 5,569 |
| Earnings coverage of net charge-offs (x) | 3.0051% | 3,610 |
| Efficiency ratio | 75.0356% | 3,867 |
| Assets per employee ($millions) | 3.1414% | 5,739 |
| Cash dividends to net income (ytd only)* | 70.5729% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7433% | 7,321 |
| Loan loss allowance to noncurrent loans | 176.4475% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 6,355 |
| Noncurrent loans to loans | 0.4213% | 6,461 |
| Net loans and leases to total assets | 67.0412% | 4,352 |
| Net loans and leases to deposits | 80.8236% | 4,415 |
| Net loans and leases to core deposits | 95.2957% | 4,977 |
| Total domestic deposits to total assets | 82.9476% | 4,264 |
| Equity capital to assets | 9.0316% | 5,269 |
| Core capital (leverage) ratio | 9.4411% | 3,972 |
| Tier 1 risk-based capital ratio | 13.8762% | 3,592 |
| Total risk-based capital ratio | 14.7036% | 3,784 |
| Memoranda: | ||
| Average total assets | $346,256,000 | 1,997 |
| Average earning assets | $320,153,330 | 1,982 |
| Average equity | $32,351,000 | 2,097 |
| Average total loans | $239,588,330 | 2,007 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7806% | 3,402 |
| Cost of funding earning assets | 1.9541% | 4,359 |
| Net interest margin | 3.8265% | 3,354 |
| Noninterest income to average assets | 0.4831% | 4,475 |
| Noninterest expense to average assets | 3.0089% | 3,725 |
| Loan and lease loss provision to assets | 0.1763% | 4,699 |
| Net operating income to assets | 0.6788% | 3,666 |
| Return on assets (ROA) | 0.6476% | 3,990 |
| Pretax return on assets | 0.7840% | 4,135 |
| Return on Equity (ROE) | 6.8120% | 3,664 |
| Retained earnings to average equity (ytd only) | -0.7665% | 5,830 |
| Net charge-offs to loans | 0.3271% | 2,785 |
| Credit loss provision to net charge-offs | 76.9231% | 4,241 |
| Earnings coverage of net charge-offs (x) | 4.3538% | 2,906 |
| Efficiency ratio | 75.0953% | 3,646 |
| Assets per employee ($millions) | 2.9518% | 6,280 |
| Cash dividends to net income (ytd only)* | 111.2523% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 7,066 |
| Loan loss allowance to noncurrent loans | 180.0546% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 6,066 |
| Noncurrent loans to loans | 0.4580% | 6,273 |
| Net loans and leases to total assets | 68.2568% | 4,073 |
| Net loans and leases to deposits | 82.5554% | 4,200 |
| Net loans and leases to core deposits | 96.7431% | 4,873 |
| Total domestic deposits to total assets | 82.6800% | 4,296 |
| Equity capital to assets | 9.1817% | 5,106 |
| Core capital (leverage) ratio | 9.7712% | 3,665 |
| Tier 1 risk-based capital ratio | 13.7398% | 3,722 |
| Total risk-based capital ratio | 14.6407% | 3,845 |
| Memoranda: | ||
| Average total assets | $340,324,000 | 2,041 |
| Average earning assets | $313,394,500 | 2,043 |
| Average equity | $32,354,500 | 2,095 |
| Average total loans | $238,439,500 | 2,038 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1568% | 4,747 |
| Cost of funding earning assets | 1.9335% | 6,632 |
| Net interest margin | 4.2233% | 2,215 |
| Noninterest income to average assets | 0.5721% | 4,068 |
| Noninterest expense to average assets | 3.1841% | 3,393 |
| Loan and lease loss provision to assets | 0.3575% | 3,538 |
| Net operating income to assets | 1.0619% | 2,300 |
| Return on assets (ROA) | 0.2430% | 5,543 |
| Pretax return on assets | 0.1017% | 5,939 |
| Return on Equity (ROE) | 2.3348% | 5,487 |
| Retained earnings to average equity (ytd only) | -1.6364% | 5,775 |
| Net charge-offs to loans | 0.3327% | 3,177 |
| Credit loss provision to net charge-offs | 157.4176% | 3,303 |
| Earnings coverage of net charge-offs (x) | 5.6277% | 3,577 |
| Efficiency ratio | 71.3577% | 4,058 |
| Assets per employee ($millions) | 2.9152% | 6,257 |
| Cash dividends to net income (ytd only)* | 170.0899% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 6,891 |
| Loan loss allowance to noncurrent loans | 225.9218% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 5,913 |
| Noncurrent loans to loans | 0.3774% | 6,223 |
| Net loans and leases to total assets | 70.7517% | 3,842 |
| Net loans and leases to deposits | 86.9787% | 3,952 |
| Net loans and leases to core deposits | 101.0495% | 4,716 |
| Total domestic deposits to total assets | 81.3438% | 4,486 |
| Equity capital to assets | 9.8479% | 4,227 |
| Core capital (leverage) ratio | 10.1474% | 3,321 |
| Tier 1 risk-based capital ratio | 14.0186% | 3,539 |
| Total risk-based capital ratio | 14.9488% | 3,619 |
| Memoranda: | ||
| Average total assets | $320,565,400 | 2,082 |
| Average earning assets | $295,268,200 | 2,074 |
| Average equity | $33,365,000 | 2,025 |
| Average total loans | $218,806,000 | 2,138 |