Home > The Bradford National Bank of Greenville > Performance and Condition Ratios
The Bradford National Bank of Greenville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8684% | 2,347 |
| Cost of funding earning assets | 1.6783% | 1,496 |
| Net interest margin | 3.1900% | 2,901 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.0931% | 3,425 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.1066% | 1,904 |
| Return on assets (ROA) | 1.0642% | 1,995 |
| Pretax return on assets | 1.0490% | 2,537 |
| Return on Equity (ROE) | 16.0100% | 1,093 |
| Retained earnings to average equity (ytd only) | 8.9618% | 1,265 |
| Net charge-offs to loans | 0.1758% | 608 |
| Credit loss provision to net charge-offs | 300.7160% | 957 |
| Earnings coverage of net charge-offs (x) | 18.2864% | 1,940 |
| Efficiency ratio | 59.9257% | 3,087 |
| Assets per employee ($millions) | 8.7665% | 1,079 |
| Cash dividends to net income (ytd only)* | 44.0360% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 835 |
| Loan loss allowance to noncurrent loans | 86.7310% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8162% | 623 |
| Noncurrent loans to loans | 1.8455% | 320 |
| Net loans and leases to total assets | 39.9600% | 4,041 |
| Net loans and leases to deposits | 49.1748% | 3,968 |
| Net loans and leases to core deposits | 55.6589% | 3,925 |
| Total domestic deposits to total assets | 81.2700% | 3,259 |
| Equity capital to assets | 7.1658% | 3,868 |
| Core capital (leverage) ratio | 8.1711% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3255% | 2,484 |
| Memoranda: | ||
| Average total assets | $585,315,800 | 1,512 |
| Average earning assets | $544,945,000 | 1,509 |
| Average equity | $38,898,600 | 1,920 |
| Average total loans | $238,379,000 | 2,068 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 2,323 |
| Cost of funding earning assets | 1.4793% | 1,667 |
| Net interest margin | 3.2940% | 2,698 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.1403% | 3,234 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.1716% | 1,877 |
| Return on assets (ROA) | 1.1483% | 1,909 |
| Pretax return on assets | 1.1365% | 2,467 |
| Return on Equity (ROE) | 17.6500% | 991 |
| Retained earnings to average equity (ytd only) | 11.5067% | 1,065 |
| Net charge-offs to loans | 0.0290% | 1,493 |
| Credit loss provision to net charge-offs | 1,680.3922% | 282 |
| Earnings coverage of net charge-offs (x) | 115.0588% | 862 |
| Efficiency ratio | 59.6427% | 3,007 |
| Assets per employee ($millions) | 8.3466% | 1,190 |
| Cash dividends to net income (ytd only)* | 34.8115% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 866 |
| Loan loss allowance to noncurrent loans | 86.0545% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.8447% | 655 |
| Noncurrent loans to loans | 1.8721% | 340 |
| Net loans and leases to total assets | 40.7600% | 4,024 |
| Net loans and leases to deposits | 49.7981% | 3,942 |
| Net loans and leases to core deposits | 56.7545% | 3,820 |
| Total domestic deposits to total assets | 81.8600% | 3,239 |
| Equity capital to assets | 5.8387% | 4,041 |
| Core capital (leverage) ratio | 8.5947% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4096% | 2,474 |
| Memoranda: | ||
| Average total assets | $576,040,000 | 1,537 |
| Average earning assets | $536,803,000 | 1,534 |
| Average equity | $37,473,000 | 1,947 |
| Average total loans | $234,778,000 | 2,080 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 2,316 |
| Cost of funding earning assets | 1.3117% | 1,678 |
| Net interest margin | 3.3344% | 2,675 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.0915% | 3,365 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 1.2041% | 1,826 |
| Return on assets (ROA) | 1.1685% | 1,907 |
| Pretax return on assets | 1.1322% | 2,559 |
| Return on Equity (ROE) | 17.3400% | 1,044 |
| Retained earnings to average equity (ytd only) | 9.7052% | 1,486 |
| Net charge-offs to loans | 0.0469% | 1,039 |
| Credit loss provision to net charge-offs | 1,438.8889% | 328 |
| Earnings coverage of net charge-offs (x) | 75.7778% | 1,078 |
| Efficiency ratio | 57.7525% | 3,216 |
| Assets per employee ($millions) | 8.0443% | 1,295 |
| Cash dividends to net income (ytd only)* | 44.0157% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 920 |
| Loan loss allowance to noncurrent loans | 76.9592% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.8692% | 572 |
| Noncurrent loans to loans | 2.0892% | 256 |
| Net loans and leases to total assets | 40.9300% | 4,009 |
| Net loans and leases to deposits | 49.8900% | 3,919 |
| Net loans and leases to core deposits | 54.6439% | 3,863 |
| Total domestic deposits to total assets | 82.0500% | 3,220 |
| Equity capital to assets | 6.6984% | 3,912 |
| Core capital (leverage) ratio | 8.2797% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1850% | 2,576 |
| Memoranda: | ||
| Average total assets | $567,735,667 | 1,559 |
| Average earning assets | $529,691,000 | 1,553 |
| Average equity | $38,268,000 | 1,930 |
| Average total loans | $230,045,333 | 2,094 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5462% | 2,205 |
| Cost of funding earning assets | 1.2238% | 1,394 |
| Net interest margin | 3.3224% | 2,827 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 1.9893% | 3,654 |
| Loan and lease loss provision to assets | 0.4700% | 167 |
| Net operating income to assets | 1.1599% | 2,042 |
| Return on assets (ROA) | 1.1498% | 2,039 |
| Pretax return on assets | 1.0394% | 2,885 |
| Return on Equity (ROE) | 17.0000% | 1,174 |
| Retained earnings to average equity (ytd only) | 12.1056% | 1,248 |
| Net charge-offs to loans | 0.0520% | 844 |
| Credit loss provision to net charge-offs | 2,262.0690% | 178 |
| Earnings coverage of net charge-offs (x) | 73.1034% | 935 |
| Efficiency ratio | 55.5056% | 3,457 |
| Assets per employee ($millions) | 9.4375% | 813 |
| Cash dividends to net income (ytd only)* | 28.8030% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 1,025 |
| Loan loss allowance to noncurrent loans | 70.4671% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.9340% | 459 |
| Noncurrent loans to loans | 2.2600% | 221 |
| Net loans and leases to total assets | 39.8300% | 4,047 |
| Net loans and leases to deposits | 46.3152% | 4,029 |
| Net loans and leases to core deposits | 51.5096% | 3,936 |
| Total domestic deposits to total assets | 85.9900% | 2,596 |
| Equity capital to assets | 6.7085% | 3,957 |
| Core capital (leverage) ratio | 8.0330% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7922% | 2,785 |
| Memoranda: | ||
| Average total assets | $557,988,000 | 1,604 |
| Average earning assets | $523,599,500 | 1,586 |
| Average equity | $37,734,500 | 1,971 |
| Average total loans | $222,917,500 | 2,151 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5807% | 2,854 |
| Cost of funding earning assets | 0.4994% | 1,393 |
| Net interest margin | 3.0813% | 3,221 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.6214% | 4,278 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.4962% | 885 |
| Return on assets (ROA) | 1.4080% | 1,074 |
| Pretax return on assets | 1.4849% | 1,502 |
| Return on Equity (ROE) | 16.2500% | 1,007 |
| Retained earnings to average equity (ytd only) | 9.0213% | 1,474 |
| Net charge-offs to loans | 0.0642% | 1,004 |
| Credit loss provision to net charge-offs | 408.3333% | 766 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 1,154 |
| Efficiency ratio | 49.1922% | 4,177 |
| Assets per employee ($millions) | 9.8380% | 714 |
| Cash dividends to net income (ytd only)* | 44.4819% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7055% | 796 |
| Loan loss allowance to noncurrent loans | 61.2638% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.1177% | 359 |
| Noncurrent loans to loans | 2.7839% | 157 |
| Net loans and leases to total assets | 38.6900% | 4,118 |
| Net loans and leases to deposits | 50.4144% | 3,880 |
| Net loans and leases to core deposits | 55.0006% | 3,768 |
| Total domestic deposits to total assets | 76.7400% | 4,197 |
| Equity capital to assets | 6.8243% | 3,756 |
| Core capital (leverage) ratio | 10.5359% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2783% | 1,541 |
| Memoranda: | ||
| Average total assets | $505,168,600 | 1,709 |
| Average earning assets | $481,360,400 | 1,671 |
| Average equity | $43,774,400 | 1,793 |
| Average total loans | $187,041,800 | 2,327 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3996% | 2,925 |
| Cost of funding earning assets | 0.3475% | 1,728 |
| Net interest margin | 3.0521% | 3,070 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.6741% | 4,196 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.4076% | 1,071 |
| Return on assets (ROA) | 1.2923% | 1,342 |
| Pretax return on assets | 1.3713% | 1,810 |
| Return on Equity (ROE) | 14.1300% | 1,397 |
| Retained earnings to average equity (ytd only) | 9.3548% | 1,538 |
| Net charge-offs to loans | 0.0782% | 756 |
| Credit loss provision to net charge-offs | 425.2336% | 682 |
| Earnings coverage of net charge-offs (x) | 56.7290% | 1,210 |
| Efficiency ratio | 50.8979% | 4,104 |
| Assets per employee ($millions) | 9.6968% | 705 |
| Cash dividends to net income (ytd only)* | 33.8069% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7636% | 784 |
| Loan loss allowance to noncurrent loans | 66.2855% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.0210% | 437 |
| Noncurrent loans to loans | 2.6606% | 189 |
| Net loans and leases to total assets | 37.7000% | 4,159 |
| Net loans and leases to deposits | 47.8677% | 3,958 |
| Net loans and leases to core deposits | 52.6435% | 3,824 |
| Total domestic deposits to total assets | 78.7500% | 4,199 |
| Equity capital to assets | 6.2767% | 3,854 |
| Core capital (leverage) ratio | 10.4928% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2561% | 1,631 |
| Memoranda: | ||
| Average total assets | $501,107,000 | 1,728 |
| Average earning assets | $478,004,750 | 1,691 |
| Average equity | $45,822,250 | 1,754 |
| Average total loans | $182,498,750 | 2,356 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1874% | 3,081 |
| Cost of funding earning assets | 0.2102% | 2,775 |
| Net interest margin | 2.9772% | 2,947 |
| Noninterest income to average assets | 0.3772% | 2,891 |
| Noninterest expense to average assets | 1.6480% | 4,220 |
| Loan and lease loss provision to assets | 0.1087% | 916 |
| Net operating income to assets | 1.3754% | 967 |
| Return on assets (ROA) | 1.2229% | 1,342 |
| Pretax return on assets | 1.3031% | 1,740 |
| Return on Equity (ROE) | 12.0690% | 1,649 |
| Retained earnings to average equity (ytd only) | 6.9443% | 2,008 |
| Net charge-offs to loans | 0.1261% | 498 |
| Credit loss provision to net charge-offs | 241.0714% | 885 |
| Earnings coverage of net charge-offs (x) | 34.9107% | 1,324 |
| Efficiency ratio | 51.1494% | 4,181 |
| Assets per employee ($millions) | 9.3606% | 787 |
| Cash dividends to net income (ytd only)* | 42.4621% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8015% | 816 |
| Loan loss allowance to noncurrent loans | 81.0651% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 637 |
| Noncurrent loans to loans | 2.2223% | 283 |
| Net loans and leases to total assets | 36.1256% | 4,243 |
| Net loans and leases to deposits | 47.0024% | 3,985 |
| Net loans and leases to core deposits | 50.4868% | 3,911 |
| Total domestic deposits to total assets | 76.8590% | 4,419 |
| Equity capital to assets | 7.8037% | 3,263 |
| Core capital (leverage) ratio | 11.0527% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0057% | 1,433 |
| Memoranda: | ||
| Average total assets | $496,831,667 | 1,734 |
| Average earning assets | $474,741,667 | 1,709 |
| Average equity | $50,343,667 | 1,675 |
| Average total loans | $177,594,333 | 2,396 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0078% | 3,232 |
| Cost of funding earning assets | 0.1613% | 3,350 |
| Net interest margin | 2.8465% | 2,992 |
| Noninterest income to average assets | 0.3805% | 2,810 |
| Noninterest expense to average assets | 1.5720% | 4,341 |
| Loan and lease loss provision to assets | 0.0845% | 981 |
| Net operating income to assets | 1.3596% | 884 |
| Return on assets (ROA) | 1.2205% | 1,182 |
| Pretax return on assets | 1.3017% | 1,505 |
| Return on Equity (ROE) | 10.8052% | 1,680 |
| Retained earnings to average equity (ytd only) | 8.8536% | 1,307 |
| Net charge-offs to loans | 0.0183% | 1,165 |
| Credit loss provision to net charge-offs | 1,312.5000% | 286 |
| Earnings coverage of net charge-offs (x) | 238.3750% | 383 |
| Efficiency ratio | 50.6087% | 4,284 |
| Assets per employee ($millions) | 9.6166% | 749 |
| Cash dividends to net income (ytd only)* | 18.0620% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8466% | 811 |
| Loan loss allowance to noncurrent loans | 70.9543% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.9095% | 589 |
| Noncurrent loans to loans | 2.6025% | 223 |
| Net loans and leases to total assets | 34.3008% | 4,293 |
| Net loans and leases to deposits | 45.9656% | 3,973 |
| Net loans and leases to core deposits | 47.5533% | 4,003 |
| Total domestic deposits to total assets | 74.6228% | 4,556 |
| Equity capital to assets | 9.7364% | 2,099 |
| Core capital (leverage) ratio | 11.0067% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1505% | 1,470 |
| Memoranda: | ||
| Average total assets | $497,192,000 | 1,743 |
| Average earning assets | $476,095,000 | 1,713 |
| Average equity | $56,158,000 | 1,568 |
| Average total loans | $175,136,000 | 2,413 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2469% | 3,350 |
| Cost of funding earning assets | 0.2458% | 2,978 |
| Net interest margin | 3.0011% | 3,191 |
| Noninterest income to average assets | 0.4809% | 2,675 |
| Noninterest expense to average assets | 1.5554% | 4,477 |
| Loan and lease loss provision to assets | 0.1712% | 679 |
| Net operating income to assets | 1.5405% | 936 |
| Return on assets (ROA) | 1.6135% | 807 |
| Pretax return on assets | 1.7100% | 1,120 |
| Return on Equity (ROE) | 11.5868% | 1,953 |
| Retained earnings to average equity (ytd only) | 3.0934% | 3,595 |
| Net charge-offs to loans | 0.1269% | 718 |
| Credit loss provision to net charge-offs | 375.0000% | 945 |
| Earnings coverage of net charge-offs (x) | 39.5142% | 1,449 |
| Efficiency ratio | 46.3082% | 4,483 |
| Assets per employee ($millions) | 9.5062% | 786 |
| Cash dividends to net income (ytd only)* | 73.3022% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7833% | 896 |
| Loan loss allowance to noncurrent loans | 73.6817% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.8594% | 682 |
| Noncurrent loans to loans | 2.4203% | 283 |
| Net loans and leases to total assets | 34.8740% | 4,337 |
| Net loans and leases to deposits | 49.2527% | 3,929 |
| Net loans and leases to core deposits | 51.1832% | 3,951 |
| Total domestic deposits to total assets | 70.8062% | 4,668 |
| Equity capital to assets | 12.8718% | 939 |
| Core capital (leverage) ratio | 11.1384% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5968% | 1,364 |
| Memoranda: | ||
| Average total assets | $464,504,600 | 1,796 |
| Average earning assets | $445,441,800 | 1,746 |
| Average equity | $64,685,400 | 1,434 |
| Average total loans | $167,065,200 | 2,492 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3049% | 3,377 |
| Cost of funding earning assets | 0.2641% | 2,969 |
| Net interest margin | 3.0407% | 3,203 |
| Noninterest income to average assets | 0.5099% | 2,579 |
| Noninterest expense to average assets | 1.6120% | 4,454 |
| Loan and lease loss provision to assets | 0.1385% | 822 |
| Net operating income to assets | 1.6544% | 908 |
| Return on assets (ROA) | 1.7515% | 773 |
| Pretax return on assets | 1.7722% | 1,230 |
| Return on Equity (ROE) | 12.3251% | 1,930 |
| Retained earnings to average equity (ytd only) | 7.2382% | 2,333 |
| Net charge-offs to loans | 0.0663% | 980 |
| Credit loss provision to net charge-offs | 579.2683% | 716 |
| Earnings coverage of net charge-offs (x) | 75.7805% | 1,011 |
| Efficiency ratio | 47.0698% | 4,438 |
| Assets per employee ($millions) | 9.3923% | 798 |
| Cash dividends to net income (ytd only)* | 41.2725% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7855% | 958 |
| Loan loss allowance to noncurrent loans | 83.3806% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7508% | 968 |
| Noncurrent loans to loans | 2.1414% | 390 |
| Net loans and leases to total assets | 34.4370% | 4,449 |
| Net loans and leases to deposits | 48.4205% | 4,092 |
| Net loans and leases to core deposits | 51.1651% | 4,076 |
| Total domestic deposits to total assets | 71.1208% | 4,707 |
| Equity capital to assets | 14.1640% | 694 |
| Core capital (leverage) ratio | 11.9704% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4593% | 1,056 |
| Memoranda: | ||
| Average total assets | $457,050,750 | 1,843 |
| Average earning assets | $438,127,250 | 1,794 |
| Average equity | $64,949,750 | 1,443 |
| Average total loans | $164,951,750 | 2,547 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2236% | 3,628 |
| Cost of funding earning assets | 0.2777% | 3,011 |
| Net interest margin | 2.9459% | 3,458 |
| Noninterest income to average assets | 0.5490% | 2,411 |
| Noninterest expense to average assets | 1.6106% | 4,496 |
| Loan and lease loss provision to assets | 0.1767% | 653 |
| Net operating income to assets | 1.5695% | 1,119 |
| Return on assets (ROA) | 1.6976% | 924 |
| Pretax return on assets | 1.7158% | 1,445 |
| Return on Equity (ROE) | 11.9328% | 2,093 |
| Retained earnings to average equity (ytd only) | 6.3110% | 2,688 |
| Net charge-offs to loans | 0.0412% | 1,222 |
| Credit loss provision to net charge-offs | 1,176.4706% | 426 |
| Earnings coverage of net charge-offs (x) | 117.4118% | 676 |
| Efficiency ratio | 47.7419% | 4,406 |
| Assets per employee ($millions) | 9.2672% | 783 |
| Cash dividends to net income (ytd only)* | 47.1124% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7314% | 1,000 |
| Loan loss allowance to noncurrent loans | 108.1292% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5814% | 1,438 |
| Noncurrent loans to loans | 1.6012% | 687 |
| Net loans and leases to total assets | 35.6821% | 4,470 |
| Net loans and leases to deposits | 50.4724% | 4,077 |
| Net loans and leases to core deposits | 52.6764% | 4,101 |
| Total domestic deposits to total assets | 70.6963% | 4,741 |
| Equity capital to assets | 14.1556% | 687 |
| Core capital (leverage) ratio | 11.7452% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3637% | 1,055 |
| Memoranda: | ||
| Average total assets | $452,863,000 | 1,844 |
| Average earning assets | $434,235,000 | 1,799 |
| Average equity | $64,427,667 | 1,441 |
| Average total loans | $165,048,667 | 2,555 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1931% | 3,708 |
| Cost of funding earning assets | 0.3034% | 2,955 |
| Net interest margin | 2.8897% | 3,551 |
| Noninterest income to average assets | 0.5809% | 2,288 |
| Noninterest expense to average assets | 1.5978% | 4,538 |
| Loan and lease loss provision to assets | 0.2904% | 331 |
| Net operating income to assets | 1.4518% | 1,442 |
| Return on assets (ROA) | 1.6827% | 1,018 |
| Pretax return on assets | 1.7006% | 1,487 |
| Return on Equity (ROE) | 11.7971% | 2,092 |
| Retained earnings to average equity (ytd only) | 9.0405% | 1,944 |
| Net charge-offs to loans | 0.0489% | 1,006 |
| Credit loss provision to net charge-offs | 1,625.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 98.3500% | 618 |
| Efficiency ratio | 47.6165% | 4,367 |
| Assets per employee ($millions) | 9.0329% | 816 |
| Cash dividends to net income (ytd only)* | 23.3670% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 946 |
| Loan loss allowance to noncurrent loans | 98.6510% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6401% | 1,484 |
| Noncurrent loans to loans | 1.7717% | 665 |
| Net loans and leases to total assets | 35.4980% | 4,525 |
| Net loans and leases to deposits | 45.2732% | 4,385 |
| Net loans and leases to core deposits | 50.8634% | 4,250 |
| Total domestic deposits to total assets | 78.4085% | 4,392 |
| Equity capital to assets | 14.0185% | 666 |
| Core capital (leverage) ratio | 12.0707% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8676% | 950 |
| Memoranda: | ||
| Average total assets | $447,615,500 | 1,850 |
| Average earning assets | $429,795,500 | 1,807 |
| Average equity | $63,846,000 | 1,441 |
| Average total loans | $163,448,500 | 2,564 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4377% | 4,143 |
| Cost of funding earning assets | 0.5526% | 2,595 |
| Net interest margin | 2.8851% | 4,135 |
| Noninterest income to average assets | 0.5798% | 2,307 |
| Noninterest expense to average assets | 1.7223% | 4,593 |
| Loan and lease loss provision to assets | 0.1806% | 2,135 |
| Net operating income to assets | 1.3917% | 1,038 |
| Return on assets (ROA) | 1.3978% | 1,114 |
| Pretax return on assets | 1.4150% | 1,608 |
| Return on Equity (ROE) | 10.3459% | 1,868 |
| Retained earnings to average equity (ytd only) | 5.9051% | 1,839 |
| Net charge-offs to loans | 0.3308% | 534 |
| Credit loss provision to net charge-offs | 144.1352% | 2,459 |
| Earnings coverage of net charge-offs (x) | 12.6819% | 2,318 |
| Efficiency ratio | 52.0051% | 4,381 |
| Assets per employee ($millions) | 8.8717% | 772 |
| Cash dividends to net income (ytd only)* | 42.9234% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 1,410 |
| Loan loss allowance to noncurrent loans | 74.3650% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.7913% | 1,294 |
| Noncurrent loans to loans | 2.0920% | 532 |
| Net loans and leases to total assets | 36.3341% | 4,580 |
| Net loans and leases to deposits | 45.3455% | 4,488 |
| Net loans and leases to core deposits | 54.9617% | 4,210 |
| Total domestic deposits to total assets | 80.1272% | 4,022 |
| Equity capital to assets | 14.5131% | 677 |
| Core capital (leverage) ratio | 12.2884% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6765% | 949 |
| Memoranda: | ||
| Average total assets | $401,333,400 | 1,862 |
| Average earning assets | $380,023,800 | 1,835 |
| Average equity | $54,224,600 | 1,576 |
| Average total loans | $152,061,000 | 2,648 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5067% | 4,201 |
| Cost of funding earning assets | 0.6189% | 2,495 |
| Net interest margin | 2.8879% | 4,200 |
| Noninterest income to average assets | 0.5616% | 2,345 |
| Noninterest expense to average assets | 1.8070% | 4,485 |
| Loan and lease loss provision to assets | 0.1587% | 2,422 |
| Net operating income to assets | 1.3044% | 1,349 |
| Return on assets (ROA) | 1.3044% | 1,438 |
| Pretax return on assets | 1.3201% | 1,977 |
| Return on Equity (ROE) | 9.8618% | 2,063 |
| Retained earnings to average equity (ytd only) | 6.8334% | 1,768 |
| Net charge-offs to loans | 0.1752% | 846 |
| Credit loss provision to net charge-offs | 237.2449% | 1,973 |
| Earnings coverage of net charge-offs (x) | 22.1122% | 1,839 |
| Efficiency ratio | 54.9948% | 4,037 |
| Assets per employee ($millions) | 8.2989% | 908 |
| Cash dividends to net income (ytd only)* | 30.7089% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 926 |
| Loan loss allowance to noncurrent loans | 73.4012% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.8900% | 1,296 |
| Noncurrent loans to loans | 2.2869% | 491 |
| Net loans and leases to total assets | 37.3633% | 4,631 |
| Net loans and leases to deposits | 46.8362% | 4,580 |
| Net loans and leases to core deposits | 53.2894% | 4,481 |
| Total domestic deposits to total assets | 79.7744% | 3,907 |
| Equity capital to assets | 14.1029% | 827 |
| Core capital (leverage) ratio | 11.5580% | 1,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8959% | 927 |
| Memoranda: | ||
| Average total assets | $390,770,250 | 1,874 |
| Average earning assets | $368,614,000 | 1,847 |
| Average equity | $51,686,250 | 1,631 |
| Average total loans | $149,146,250 | 2,677 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5909% | 4,273 |
| Cost of funding earning assets | 0.6971% | 2,400 |
| Net interest margin | 2.8939% | 4,318 |
| Noninterest income to average assets | 0.5458% | 2,369 |
| Noninterest expense to average assets | 1.8476% | 4,488 |
| Loan and lease loss provision to assets | 0.1686% | 2,317 |
| Net operating income to assets | 1.2286% | 1,554 |
| Return on assets (ROA) | 1.2286% | 1,680 |
| Pretax return on assets | 1.2437% | 2,206 |
| Return on Equity (ROE) | 9.5103% | 2,146 |
| Retained earnings to average equity (ytd only) | 5.6347% | 2,220 |
| Net charge-offs to loans | 0.2579% | 611 |
| Credit loss provision to net charge-offs | 171.0526% | 2,034 |
| Earnings coverage of net charge-offs (x) | 14.3263% | 1,950 |
| Efficiency ratio | 56.6767% | 3,864 |
| Assets per employee ($millions) | 8.0842% | 937 |
| Cash dividends to net income (ytd only)* | 40.7517% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 977 |
| Loan loss allowance to noncurrent loans | 66.3700% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.9575% | 1,264 |
| Noncurrent loans to loans | 2.4300% | 493 |
| Net loans and leases to total assets | 37.9005% | 4,671 |
| Net loans and leases to deposits | 48.8014% | 4,575 |
| Net loans and leases to core deposits | 55.1364% | 4,460 |
| Total domestic deposits to total assets | 77.6628% | 4,235 |
| Equity capital to assets | 13.6735% | 939 |
| Core capital (leverage) ratio | 11.3313% | 1,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3867% | 860 |
| Memoranda: | ||
| Average total assets | $385,477,667 | 1,866 |
| Average earning assets | $361,521,333 | 1,850 |
| Average equity | $49,798,667 | 1,675 |
| Average total loans | $147,351,333 | 2,679 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6853% | 4,421 |
| Cost of funding earning assets | 0.7853% | 2,475 |
| Net interest margin | 2.9000% | 4,429 |
| Noninterest income to average assets | 0.4882% | 2,613 |
| Noninterest expense to average assets | 1.9003% | 4,544 |
| Loan and lease loss provision to assets | 0.0368% | 3,311 |
| Net operating income to assets | 1.2290% | 1,435 |
| Return on assets (ROA) | 1.2290% | 1,538 |
| Pretax return on assets | 1.2437% | 2,052 |
| Return on Equity (ROE) | 9.8118% | 1,803 |
| Retained earnings to average equity (ytd only) | 8.9802% | 978 |
| Net charge-offs to loans | 0.5085% | 282 |
| Credit loss provision to net charge-offs | 19.0217% | 2,207 |
| Earnings coverage of net charge-offs (x) | 6.6141% | 1,976 |
| Efficiency ratio | 59.7420% | 3,772 |
| Assets per employee ($millions) | 8.3517% | 651 |
| Cash dividends to net income (ytd only)* | 8.4760% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 1,254 |
| Loan loss allowance to noncurrent loans | 59.8735% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 0.9480% | 1,406 |
| Noncurrent loans to loans | 2.5503% | 463 |
| Net loans and leases to total assets | 35.7674% | 4,788 |
| Net loans and leases to deposits | 46.0436% | 4,722 |
| Net loans and leases to core deposits | 55.5249% | 4,512 |
| Total domestic deposits to total assets | 77.6816% | 4,269 |
| Equity capital to assets | 11.7192% | 2,271 |
| Core capital (leverage) ratio | 11.9195% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7605% | 892 |
| Memoranda: | ||
| Average total assets | $380,154,500 | 1,844 |
| Average earning assets | $352,966,500 | 1,838 |
| Average equity | $47,616,000 | 1,738 |
| Average total loans | $144,730,000 | 2,684 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 4,432 |
| Cost of funding earning assets | 0.7286% | 3,023 |
| Net interest margin | 3.1698% | 4,253 |
| Noninterest income to average assets | 0.4677% | 2,917 |
| Noninterest expense to average assets | 2.0050% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4292% | 1,244 |
| Return on assets (ROA) | 1.4597% | 1,217 |
| Pretax return on assets | 1.4782% | 1,873 |
| Return on Equity (ROE) | 11.5164% | 1,685 |
| Retained earnings to average equity (ytd only) | 4.3097% | 2,805 |
| Net charge-offs to loans | 0.0417% | 2,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 78.1017% | 806 |
| Efficiency ratio | 58.0748% | 3,952 |
| Assets per employee ($millions) | 7.6621% | 809 |
| Cash dividends to net income (ytd only)* | 62.5780% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5829% | 1,015 |
| Loan loss allowance to noncurrent loans | 60.0155% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0833% | 1,140 |
| Noncurrent loans to loans | 2.6374% | 396 |
| Net loans and leases to total assets | 39.3063% | 4,761 |
| Net loans and leases to deposits | 49.0869% | 4,710 |
| Net loans and leases to core deposits | 58.0587% | 4,524 |
| Total domestic deposits to total assets | 80.0748% | 3,964 |
| Equity capital to assets | 13.3860% | 1,333 |
| Core capital (leverage) ratio | 12.2598% | 1,622 |
| Tier 1 risk-based capital ratio | 18.8797% | 1,542 |
| Total risk-based capital ratio | 19.9464% | 1,553 |
| Memoranda: | ||
| Average total assets | $318,358,800 | 2,053 |
| Average earning assets | $299,765,400 | 2,028 |
| Average equity | $40,351,000 | 1,916 |
| Average total loans | $141,529,600 | 2,706 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 4,464 |
| Cost of funding earning assets | 0.7065% | 3,186 |
| Net interest margin | 3.2408% | 4,207 |
| Noninterest income to average assets | 0.4640% | 2,936 |
| Noninterest expense to average assets | 2.1437% | 4,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3437% | 1,663 |
| Return on assets (ROA) | 1.3860% | 1,579 |
| Pretax return on assets | 1.4030% | 2,303 |
| Return on Equity (ROE) | 11.1228% | 1,969 |
| Retained earnings to average equity (ytd only) | 4.4022% | 3,194 |
| Net charge-offs to loans | 0.0257% | 2,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 115.6267% | 673 |
| Efficiency ratio | 61.1788% | 3,455 |
| Assets per employee ($millions) | 6.6316% | 1,209 |
| Cash dividends to net income (ytd only)* | 60.4212% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6755% | 859 |
| Loan loss allowance to noncurrent loans | 58.6173% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.2962% | 936 |
| Noncurrent loans to loans | 2.8584% | 362 |
| Net loans and leases to total assets | 43.4515% | 4,712 |
| Net loans and leases to deposits | 53.2106% | 4,658 |
| Net loans and leases to core deposits | 56.8665% | 4,662 |
| Total domestic deposits to total assets | 81.6595% | 3,572 |
| Equity capital to assets | 13.1488% | 1,542 |
| Core capital (leverage) ratio | 11.1652% | 2,498 |
| Tier 1 risk-based capital ratio | 16.9162% | 2,110 |
| Total risk-based capital ratio | 18.1263% | 2,067 |
| Memoranda: | ||
| Average total assets | $306,003,250 | 2,145 |
| Average earning assets | $287,039,500 | 2,116 |
| Average equity | $38,131,000 | 2,020 |
| Average total loans | $140,190,500 | 2,751 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 4,443 |
| Cost of funding earning assets | 0.6756% | 3,296 |
| Net interest margin | 3.2904% | 4,164 |
| Noninterest income to average assets | 0.4664% | 2,867 |
| Noninterest expense to average assets | 2.2007% | 4,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3292% | 1,658 |
| Return on assets (ROA) | 1.3567% | 1,618 |
| Pretax return on assets | 1.3746% | 2,288 |
| Return on Equity (ROE) | 11.1034% | 1,936 |
| Retained earnings to average equity (ytd only) | 2.2662% | 4,031 |
| Net charge-offs to loans | 0.0386% | 2,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 75.2963% | 852 |
| Efficiency ratio | 62.0355% | 3,427 |
| Assets per employee ($millions) | 6.4601% | 1,259 |
| Cash dividends to net income (ytd only)* | 79.5898% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7143% | 796 |
| Loan loss allowance to noncurrent loans | 58.0256% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.3616% | 892 |
| Noncurrent loans to loans | 2.9544% | 349 |
| Net loans and leases to total assets | 43.5799% | 4,739 |
| Net loans and leases to deposits | 52.4133% | 4,726 |
| Net loans and leases to core deposits | 56.3342% | 4,705 |
| Total domestic deposits to total assets | 83.1468% | 3,158 |
| Equity capital to assets | 12.7646% | 1,710 |
| Core capital (leverage) ratio | 11.2488% | 2,380 |
| Tier 1 risk-based capital ratio | 17.2323% | 2,017 |
| Total risk-based capital ratio | 18.4823% | 1,970 |
| Memoranda: | ||
| Average total assets | $301,898,330 | 2,175 |
| Average earning assets | $282,697,670 | 2,149 |
| Average equity | $36,889,670 | 2,067 |
| Average total loans | $140,030,330 | 2,765 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 4,526 |
| Cost of funding earning assets | 0.6075% | 3,528 |
| Net interest margin | 3.3081% | 4,144 |
| Noninterest income to average assets | 0.4218% | 3,037 |
| Noninterest expense to average assets | 2.2632% | 4,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2414% | 1,918 |
| Return on assets (ROA) | 1.2733% | 1,849 |
| Pretax return on assets | 1.2921% | 2,487 |
| Return on Equity (ROE) | 10.6685% | 2,092 |
| Retained earnings to average equity (ytd only) | 2.0369% | 4,055 |
| Net charge-offs to loans | 0.0736% | 1,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 36.0769% | 1,219 |
| Efficiency ratio | 64.2394% | 3,198 |
| Assets per employee ($millions) | 6.1182% | 1,455 |
| Cash dividends to net income (ytd only)* | 80.9072% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7388% | 794 |
| Loan loss allowance to noncurrent loans | 55.8900% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.4607% | 828 |
| Noncurrent loans to loans | 3.1111% | 336 |
| Net loans and leases to total assets | 44.4483% | 4,728 |
| Net loans and leases to deposits | 51.3367% | 4,771 |
| Net loans and leases to core deposits | 55.4505% | 4,735 |
| Total domestic deposits to total assets | 86.5820% | 2,013 |
| Equity capital to assets | 12.3112% | 1,840 |
| Core capital (leverage) ratio | 11.3272% | 2,269 |
| Tier 1 risk-based capital ratio | 17.6455% | 1,900 |
| Total risk-based capital ratio | 18.8961% | 1,857 |
| Memoranda: | ||
| Average total assets | $297,806,000 | 2,208 |
| Average earning assets | $279,190,000 | 2,183 |
| Average equity | $35,544,000 | 2,116 |
| Average total loans | $141,300,000 | 2,783 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 4,346 |
| Cost of funding earning assets | 0.5304% | 3,181 |
| Net interest margin | 3.3367% | 4,161 |
| Noninterest income to average assets | 0.4239% | 3,283 |
| Noninterest expense to average assets | 2.2194% | 4,292 |
| Loan and lease loss provision to assets | 0.0412% | 3,367 |
| Net operating income to assets | 1.2802% | 1,877 |
| Return on assets (ROA) | 1.4248% | 1,347 |
| Pretax return on assets | 1.4399% | 1,988 |
| Return on Equity (ROE) | 12.5640% | 1,523 |
| Retained earnings to average equity (ytd only) | 6.9427% | 1,699 |
| Net charge-offs to loans | 0.0869% | 1,910 |
| Credit loss provision to net charge-offs | 94.4882% | 2,651 |
| Earnings coverage of net charge-offs (x) | 30.6535% | 1,573 |
| Efficiency ratio | 62.4409% | 3,445 |
| Assets per employee ($millions) | 5.9164% | 1,579 |
| Cash dividends to net income (ytd only)* | 44.7413% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6219% | 984 |
| Loan loss allowance to noncurrent loans | 91.5163% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.9347% | 1,471 |
| Noncurrent loans to loans | 1.7722% | 804 |
| Net loans and leases to total assets | 48.8829% | 4,583 |
| Net loans and leases to deposits | 55.9502% | 4,668 |
| Net loans and leases to core deposits | 60.5740% | 4,606 |
| Total domestic deposits to total assets | 87.3687% | 1,597 |
| Equity capital to assets | 11.5543% | 2,218 |
| Core capital (leverage) ratio | 11.1355% | 2,408 |
| Tier 1 risk-based capital ratio | 17.2552% | 1,973 |
| Total risk-based capital ratio | 18.5060% | 1,925 |
| Memoranda: | ||
| Average total assets | $291,609,800 | 2,201 |
| Average earning assets | $273,592,000 | 2,169 |
| Average equity | $33,070,600 | 2,153 |
| Average total loans | $146,131,800 | 2,690 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8050% | 4,430 |
| Cost of funding earning assets | 0.5087% | 3,138 |
| Net interest margin | 3.2963% | 4,285 |
| Noninterest income to average assets | 0.4112% | 3,416 |
| Noninterest expense to average assets | 2.2090% | 4,303 |
| Loan and lease loss provision to assets | 0.0413% | 3,171 |
| Net operating income to assets | 1.2351% | 2,106 |
| Return on assets (ROA) | 1.3505% | 1,676 |
| Pretax return on assets | 1.3665% | 2,354 |
| Return on Equity (ROE) | 11.9656% | 1,801 |
| Retained earnings to average equity (ytd only) | 6.9891% | 2,133 |
| Net charge-offs to loans | 0.0914% | 1,590 |
| Credit loss provision to net charge-offs | 90.0000% | 2,422 |
| Earnings coverage of net charge-offs (x) | 28.1400% | 1,677 |
| Efficiency ratio | 63.1096% | 3,318 |
| Assets per employee ($millions) | 5.9104% | 1,561 |
| Cash dividends to net income (ytd only)* | 41.5903% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 1,084 |
| Loan loss allowance to noncurrent loans | 71.3943% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 1,169 |
| Noncurrent loans to loans | 2.2409% | 622 |
| Net loans and leases to total assets | 49.5547% | 4,628 |
| Net loans and leases to deposits | 56.1914% | 4,744 |
| Net loans and leases to core deposits | 61.8258% | 4,624 |
| Total domestic deposits to total assets | 88.1890% | 1,158 |
| Equity capital to assets | 10.7989% | 2,843 |
| Core capital (leverage) ratio | 11.0865% | 2,498 |
| Tier 1 risk-based capital ratio | 16.9587% | 2,120 |
| Total risk-based capital ratio | 18.2095% | 2,071 |
| Memoranda: | ||
| Average total assets | $290,557,000 | 2,215 |
| Average earning assets | $272,300,000 | 2,190 |
| Average equity | $32,793,250 | 2,171 |
| Average total loans | $145,917,250 | 2,709 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7516% | 4,466 |
| Cost of funding earning assets | 0.4869% | 3,113 |
| Net interest margin | 3.2647% | 4,343 |
| Noninterest income to average assets | 0.3904% | 3,547 |
| Noninterest expense to average assets | 2.2070% | 4,349 |
| Loan and lease loss provision to assets | 0.0415% | 3,071 |
| Net operating income to assets | 1.1761% | 2,294 |
| Return on assets (ROA) | 1.2413% | 2,020 |
| Pretax return on assets | 1.2572% | 2,693 |
| Return on Equity (ROE) | 10.8382% | 2,183 |
| Retained earnings to average equity (ytd only) | 5.3254% | 2,924 |
| Net charge-offs to loans | 0.0055% | 2,961 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 445.2500% | 204 |
| Efficiency ratio | 64.1578% | 3,296 |
| Assets per employee ($millions) | 6.0305% | 1,442 |
| Cash dividends to net income (ytd only)* | 50.8645% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6734% | 948 |
| Loan loss allowance to noncurrent loans | 81.1071% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.0682% | 1,389 |
| Noncurrent loans to loans | 2.0632% | 710 |
| Net loans and leases to total assets | 49.6711% | 4,626 |
| Net loans and leases to deposits | 57.0669% | 4,692 |
| Net loans and leases to core deposits | 62.0490% | 4,598 |
| Total domestic deposits to total assets | 87.0402% | 1,822 |
| Equity capital to assets | 11.2449% | 2,415 |
| Core capital (leverage) ratio | 10.8817% | 2,629 |
| Tier 1 risk-based capital ratio | 16.8986% | 2,130 |
| Total risk-based capital ratio | 18.1497% | 2,079 |
| Memoranda: | ||
| Average total assets | $288,902,000 | 2,235 |
| Average earning assets | $269,856,330 | 2,210 |
| Average equity | $33,086,670 | 2,167 |
| Average total loans | $144,947,670 | 2,730 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 4,608 |
| Cost of funding earning assets | 0.4484% | 3,209 |
| Net interest margin | 3.1967% | 4,469 |
| Noninterest income to average assets | 0.3922% | 3,525 |
| Noninterest expense to average assets | 2.2756% | 4,240 |
| Loan and lease loss provision to assets | 0.0416% | 2,924 |
| Net operating income to assets | 1.0521% | 2,635 |
| Return on assets (ROA) | 1.0602% | 2,617 |
| Pretax return on assets | 1.0768% | 3,255 |
| Return on Equity (ROE) | 9.1740% | 2,819 |
| Retained earnings to average equity (ytd only) | 5.9241% | 2,746 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2124% | 2,966 |
| Assets per employee ($millions) | 6.0186% | 1,501 |
| Cash dividends to net income (ytd only)* | 35.4248% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6861% | 978 |
| Loan loss allowance to noncurrent loans | 86.2487% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9976% | 1,574 |
| Noncurrent loans to loans | 1.9550% | 828 |
| Net loans and leases to total assets | 48.8624% | 4,640 |
| Net loans and leases to deposits | 57.9529% | 4,586 |
| Net loans and leases to core deposits | 61.9494% | 4,555 |
| Total domestic deposits to total assets | 84.3140% | 3,188 |
| Equity capital to assets | 11.2761% | 2,326 |
| Core capital (leverage) ratio | 10.9762% | 2,465 |
| Tier 1 risk-based capital ratio | 17.0342% | 2,109 |
| Total risk-based capital ratio | 18.2858% | 2,056 |
| Memoranda: | ||
| Average total assets | $288,621,000 | 2,257 |
| Average earning assets | $270,280,500 | 2,226 |
| Average equity | $33,355,000 | 2,170 |
| Average total loans | $144,308,000 | 2,755 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6781% | 4,389 |
| Cost of funding earning assets | 0.3761% | 3,457 |
| Net interest margin | 3.3020% | 4,158 |
| Noninterest income to average assets | 0.4306% | 3,433 |
| Noninterest expense to average assets | 2.2296% | 4,473 |
| Loan and lease loss provision to assets | 0.0487% | 3,249 |
| Net operating income to assets | 1.2274% | 1,438 |
| Return on assets (ROA) | 1.2924% | 1,263 |
| Pretax return on assets | 1.3075% | 2,317 |
| Return on Equity (ROE) | 10.9026% | 1,523 |
| Retained earnings to average equity (ytd only) | 4.6725% | 2,339 |
| Net charge-offs to loans | -0.0240% | 5,006 |
| Credit loss provision to net charge-offs | -397.0588% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3374% | 3,711 |
| Assets per employee ($millions) | 5.7669% | 1,691 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 1,041 |
| Loan loss allowance to noncurrent loans | 84.4280% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.0144% | 1,515 |
| Noncurrent loans to loans | 1.9526% | 790 |
| Net loans and leases to total assets | 49.4692% | 4,680 |
| Net loans and leases to deposits | 57.9021% | 4,692 |
| Net loans and leases to core deposits | 61.5751% | 4,680 |
| Total domestic deposits to total assets | 85.4360% | 2,679 |
| Equity capital to assets | 11.8378% | 1,956 |
| Core capital (leverage) ratio | 10.8694% | 2,457 |
| Tier 1 risk-based capital ratio | 16.8287% | 2,149 |
| Total risk-based capital ratio | 18.0803% | 2,102 |
| Memoranda: | ||
| Average total assets | $277,319,400 | 2,303 |
| Average earning assets | $259,480,000 | 2,285 |
| Average equity | $32,873,000 | 2,175 |
| Average total loans | $141,444,400 | 2,757 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6424% | 4,460 |
| Cost of funding earning assets | 0.3623% | 3,534 |
| Net interest margin | 3.2801% | 4,232 |
| Noninterest income to average assets | 0.4205% | 3,559 |
| Noninterest expense to average assets | 2.3217% | 4,238 |
| Loan and lease loss provision to assets | 0.0656% | 2,758 |
| Net operating income to assets | 1.0825% | 2,163 |
| Return on assets (ROA) | 1.1878% | 1,782 |
| Pretax return on assets | 1.2043% | 2,888 |
| Return on Equity (ROE) | 10.0168% | 2,127 |
| Retained earnings to average equity (ytd only) | 5.1435% | 2,780 |
| Net charge-offs to loans | 0.0342% | 2,747 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 66.5540% | 935 |
| Efficiency ratio | 66.6156% | 3,102 |
| Assets per employee ($millions) | 5.6646% | 1,759 |
| Cash dividends to net income (ytd only)* | 48.6510% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6333% | 1,168 |
| Loan loss allowance to noncurrent loans | 92.8000% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.9155% | 1,867 |
| Noncurrent loans to loans | 1.7600% | 1,023 |
| Net loans and leases to total assets | 49.3315% | 4,748 |
| Net loans and leases to deposits | 57.8535% | 4,769 |
| Net loans and leases to core deposits | 61.6028% | 4,736 |
| Total domestic deposits to total assets | 85.2696% | 2,611 |
| Equity capital to assets | 11.9616% | 1,988 |
| Core capital (leverage) ratio | 10.8703% | 2,579 |
| Tier 1 risk-based capital ratio | 17.1511% | 2,116 |
| Total risk-based capital ratio | 18.4027% | 2,070 |
| Memoranda: | ||
| Average total assets | $274,562,500 | 2,335 |
| Average earning assets | $256,528,750 | 2,317 |
| Average equity | $32,557,750 | 2,206 |
| Average total loans | $140,547,000 | 2,791 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6233% | 4,450 |
| Cost of funding earning assets | 0.3523% | 3,558 |
| Net interest margin | 3.2710% | 4,208 |
| Noninterest income to average assets | 0.4211% | 3,554 |
| Noninterest expense to average assets | 2.3447% | 4,229 |
| Loan and lease loss provision to assets | 0.0663% | 2,641 |
| Net operating income to assets | 1.0499% | 2,206 |
| Return on assets (ROA) | 1.2059% | 1,610 |
| Pretax return on assets | 1.2228% | 2,687 |
| Return on Equity (ROE) | 10.2001% | 1,950 |
| Retained earnings to average equity (ytd only) | 4.9631% | 2,732 |
| Net charge-offs to loans | 0.0200% | 2,840 |
| Credit loss provision to net charge-offs | 642.8571% | 532 |
| Earnings coverage of net charge-offs (x) | 109.7857% | 612 |
| Efficiency ratio | 67.4502% | 3,104 |
| Assets per employee ($millions) | 5.5580% | 1,823 |
| Cash dividends to net income (ytd only)* | 51.3431% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 1,158 |
| Loan loss allowance to noncurrent loans | 203.3628% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 3,269 |
| Noncurrent loans to loans | 0.8106% | 2,380 |
| Net loans and leases to total assets | 50.3396% | 4,685 |
| Net loans and leases to deposits | 58.1560% | 4,742 |
| Net loans and leases to core deposits | 62.0916% | 4,710 |
| Total domestic deposits to total assets | 86.5596% | 2,149 |
| Equity capital to assets | 12.3924% | 1,676 |
| Core capital (leverage) ratio | 11.0341% | 2,369 |
| Tier 1 risk-based capital ratio | 18.2640% | 1,785 |
| Total risk-based capital ratio | 19.5166% | 1,747 |
| Memoranda: | ||
| Average total assets | $271,673,000 | 2,361 |
| Average earning assets | $253,745,000 | 2,351 |
| Average equity | $32,117,330 | 2,224 |
| Average total loans | $140,048,670 | 2,806 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5531% | 4,540 |
| Cost of funding earning assets | 0.3468% | 3,567 |
| Net interest margin | 3.2063% | 4,320 |
| Noninterest income to average assets | 0.4054% | 3,619 |
| Noninterest expense to average assets | 2.3661% | 4,207 |
| Loan and lease loss provision to assets | 0.0442% | 2,912 |
| Net operating income to assets | 0.9805% | 2,387 |
| Return on assets (ROA) | 1.2899% | 1,298 |
| Pretax return on assets | 1.3061% | 2,213 |
| Return on Equity (ROE) | 11.1818% | 1,504 |
| Retained earnings to average equity (ytd only) | 8.8559% | 1,128 |
| Net charge-offs to loans | 0.0342% | 2,092 |
| Credit loss provision to net charge-offs | 250.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 58.6667% | 814 |
| Efficiency ratio | 69.5106% | 2,969 |
| Assets per employee ($millions) | 5.5178% | 1,872 |
| Cash dividends to net income (ytd only)* | 20.8000% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 1,356 |
| Loan loss allowance to noncurrent loans | 148.1800% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 2,828 |
| Noncurrent loans to loans | 1.0851% | 1,889 |
| Net loans and leases to total assets | 50.6750% | 4,614 |
| Net loans and leases to deposits | 58.1157% | 4,688 |
| Net loans and leases to core deposits | 60.6051% | 4,741 |
| Total domestic deposits to total assets | 87.1968% | 2,111 |
| Equity capital to assets | 11.8604% | 1,934 |
| Core capital (leverage) ratio | 10.9627% | 2,396 |
| Tier 1 risk-based capital ratio | 18.2460% | 1,791 |
| Total risk-based capital ratio | 19.4980% | 1,758 |
| Memoranda: | ||
| Average total assets | $271,337,500 | 2,385 |
| Average earning assets | $253,751,500 | 2,369 |
| Average equity | $31,301,000 | 2,273 |
| Average total loans | $140,375,500 | 2,814 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 4,388 |
| Cost of funding earning assets | 0.3469% | 3,548 |
| Net interest margin | 3.2983% | 4,147 |
| Noninterest income to average assets | 0.4207% | 3,737 |
| Noninterest expense to average assets | 2.1843% | 4,811 |
| Loan and lease loss provision to assets | 0.1845% | 1,284 |
| Net operating income to assets | 1.1252% | 1,800 |
| Return on assets (ROA) | 1.3895% | 1,063 |
| Pretax return on assets | 1.4080% | 1,913 |
| Return on Equity (ROE) | 11.6695% | 1,351 |
| Retained earnings to average equity (ytd only) | 6.1705% | 1,618 |
| Net charge-offs to loans | 0.2061% | 1,352 |
| Credit loss provision to net charge-offs | 173.4694% | 1,603 |
| Earnings coverage of net charge-offs (x) | 12.4626% | 2,445 |
| Efficiency ratio | 62.2346% | 4,214 |
| Assets per employee ($millions) | 5.6730% | 1,715 |
| Cash dividends to net income (ytd only)* | 47.1231% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 1,443 |
| Loan loss allowance to noncurrent loans | 150.5420% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.5688% | 3,028 |
| Noncurrent loans to loans | 1.0431% | 1,992 |
| Net loans and leases to total assets | 51.1485% | 4,675 |
| Net loans and leases to deposits | 60.6018% | 4,633 |
| Net loans and leases to core deposits | 64.6062% | 4,604 |
| Total domestic deposits to total assets | 84.4009% | 3,271 |
| Equity capital to assets | 11.2135% | 2,408 |
| Core capital (leverage) ratio | 10.3943% | 2,996 |
| Tier 1 risk-based capital ratio | 17.5200% | 2,002 |
| Total risk-based capital ratio | 18.7716% | 1,961 |
| Memoranda: | ||
| Average total assets | $276,426,200 | 2,307 |
| Average earning assets | $258,893,200 | 2,288 |
| Average equity | $32,914,800 | 2,185 |
| Average total loans | $142,667,800 | 2,743 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6214% | 4,488 |
| Cost of funding earning assets | 0.3426% | 3,628 |
| Net interest margin | 3.2788% | 4,262 |
| Noninterest income to average assets | 0.4166% | 3,805 |
| Noninterest expense to average assets | 2.2417% | 4,667 |
| Loan and lease loss provision to assets | 0.1201% | 1,929 |
| Net operating income to assets | 1.1129% | 1,937 |
| Return on assets (ROA) | 1.3465% | 1,254 |
| Pretax return on assets | 1.3623% | 2,188 |
| Return on Equity (ROE) | 11.1487% | 1,618 |
| Retained earnings to average equity (ytd only) | 7.2256% | 1,513 |
| Net charge-offs to loans | 0.0252% | 3,162 |
| Credit loss provision to net charge-offs | 925.9259% | 439 |
| Earnings coverage of net charge-offs (x) | 96.0717% | 683 |
| Efficiency ratio | 64.2651% | 3,890 |
| Assets per employee ($millions) | 5.8100% | 1,573 |
| Cash dividends to net income (ytd only)* | 35.1890% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 1,640 |
| Loan loss allowance to noncurrent loans | 101.1343% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.8258% | 2,480 |
| Noncurrent loans to loans | 1.5201% | 1,423 |
| Net loans and leases to total assets | 51.1901% | 4,718 |
| Net loans and leases to deposits | 64.6880% | 4,435 |
| Net loans and leases to core deposits | 69.2355% | 4,381 |
| Total domestic deposits to total assets | 79.1339% | 4,691 |
| Equity capital to assets | 12.7052% | 1,644 |
| Core capital (leverage) ratio | 10.3254% | 3,197 |
| Tier 1 risk-based capital ratio | 17.0720% | 2,199 |
| Total risk-based capital ratio | 18.3233% | 2,157 |
| Memoranda: | ||
| Average total assets | $277,456,500 | 2,309 |
| Average earning assets | $259,929,750 | 2,293 |
| Average equity | $33,509,750 | 2,173 |
| Average total loans | $142,959,250 | 2,736 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6276% | 4,515 |
| Cost of funding earning assets | 0.3468% | 3,604 |
| Net interest margin | 3.2808% | 4,287 |
| Noninterest income to average assets | 0.4152% | 3,781 |
| Noninterest expense to average assets | 2.2131% | 4,814 |
| Loan and lease loss provision to assets | 0.1264% | 1,801 |
| Net operating income to assets | 1.1246% | 1,870 |
| Return on assets (ROA) | 1.3012% | 1,377 |
| Pretax return on assets | 1.3142% | 2,350 |
| Return on Equity (ROE) | 10.9647% | 1,661 |
| Retained earnings to average equity (ytd only) | 6.4498% | 1,892 |
| Net charge-offs to loans | 0.0155% | 3,221 |
| Credit loss provision to net charge-offs | 1,590.9091% | 254 |
| Earnings coverage of net charge-offs (x) | 158.9091% | 396 |
| Efficiency ratio | 63.6817% | 4,076 |
| Assets per employee ($millions) | 5.7675% | 1,568 |
| Cash dividends to net income (ytd only)* | 41.1765% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 1,612 |
| Loan loss allowance to noncurrent loans | 87.7122% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.9341% | 2,284 |
| Noncurrent loans to loans | 1.7909% | 1,158 |
| Net loans and leases to total assets | 49.1170% | 4,903 |
| Net loans and leases to deposits | 60.0317% | 4,796 |
| Net loans and leases to core deposits | 65.7044% | 4,630 |
| Total domestic deposits to total assets | 81.8184% | 4,046 |
| Equity capital to assets | 12.8908% | 1,568 |
| Core capital (leverage) ratio | 10.2050% | 3,331 |
| Tier 1 risk-based capital ratio | 17.0095% | 2,213 |
| Total risk-based capital ratio | 18.2608% | 2,174 |
| Memoranda: | ||
| Average total assets | $276,982,670 | 2,322 |
| Average earning assets | $258,352,000 | 2,309 |
| Average equity | $32,869,000 | 2,204 |
| Average total loans | $142,283,330 | 2,748 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6373% | 4,513 |
| Cost of funding earning assets | 0.3491% | 3,606 |
| Net interest margin | 3.2883% | 4,267 |
| Noninterest income to average assets | 0.4014% | 3,818 |
| Noninterest expense to average assets | 2.1656% | 4,987 |
| Loan and lease loss provision to assets | 0.1444% | 1,462 |
| Net operating income to assets | 1.1555% | 1,691 |
| Return on assets (ROA) | 1.2027% | 1,657 |
| Pretax return on assets | 1.2128% | 2,649 |
| Return on Equity (ROE) | 10.5912% | 1,747 |
| Retained earnings to average equity (ytd only) | 8.1119% | 1,409 |
| Net charge-offs to loans | 0.0166% | 2,606 |
| Credit loss provision to net charge-offs | 1,666.6667% | 245 |
| Earnings coverage of net charge-offs (x) | 151.1667% | 395 |
| Efficiency ratio | 62.3182% | 4,400 |
| Assets per employee ($millions) | 5.7367% | 1,633 |
| Cash dividends to net income (ytd only)* | 23.4094% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 2,145 |
| Loan loss allowance to noncurrent loans | 89.7820% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 0.8901% | 2,465 |
| Noncurrent loans to loans | 1.6295% | 1,407 |
| Net loans and leases to total assets | 51.3664% | 4,694 |
| Net loans and leases to deposits | 62.4365% | 4,551 |
| Net loans and leases to core deposits | 68.8820% | 4,329 |
| Total domestic deposits to total assets | 82.2698% | 4,124 |
| Equity capital to assets | 11.7373% | 2,213 |
| Core capital (leverage) ratio | 10.0386% | 3,490 |
| Tier 1 risk-based capital ratio | 16.7534% | 2,373 |
| Total risk-based capital ratio | 18.0041% | 2,320 |
| Memoranda: | ||
| Average total assets | $277,053,500 | 2,330 |
| Average earning assets | $258,980,000 | 2,316 |
| Average equity | $31,460,000 | 2,277 |
| Average total loans | $144,352,000 | 2,724 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6562% | 4,500 |
| Cost of funding earning assets | 0.3419% | 3,779 |
| Net interest margin | 3.3143% | 4,231 |
| Noninterest income to average assets | 0.4390% | 3,754 |
| Noninterest expense to average assets | 2.2062% | 5,037 |
| Loan and lease loss provision to assets | 0.0695% | 2,895 |
| Net operating income to assets | 1.2431% | 1,405 |
| Return on assets (ROA) | 1.3195% | 1,267 |
| Pretax return on assets | 1.3363% | 2,146 |
| Return on Equity (ROE) | 12.3335% | 1,226 |
| Retained earnings to average equity (ytd only) | 6.8592% | 1,343 |
| Net charge-offs to loans | 0.1878% | 1,540 |
| Credit loss provision to net charge-offs | 71.1610% | 3,108 |
| Earnings coverage of net charge-offs (x) | 13.6030% | 2,361 |
| Efficiency ratio | 62.4133% | 4,542 |
| Assets per employee ($millions) | 5.8072% | 1,528 |
| Cash dividends to net income (ytd only)* | 44.3859% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 2,509 |
| Loan loss allowance to noncurrent loans | 93.6508% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.7842% | 2,718 |
| Noncurrent loans to loans | 1.4756% | 1,576 |
| Net loans and leases to total assets | 51.3568% | 4,747 |
| Net loans and leases to deposits | 60.4348% | 4,741 |
| Net loans and leases to core deposits | 66.9574% | 4,509 |
| Total domestic deposits to total assets | 84.9788% | 3,099 |
| Equity capital to assets | 10.9777% | 2,847 |
| Core capital (leverage) ratio | 9.7830% | 3,796 |
| Tier 1 risk-based capital ratio | 16.1847% | 2,607 |
| Total risk-based capital ratio | 17.4350% | 2,565 |
| Memoranda: | ||
| Average total assets | $273,360,200 | 2,311 |
| Average earning assets | $255,349,600 | 2,302 |
| Average equity | $29,245,600 | 2,371 |
| Average total loans | $142,143,200 | 2,698 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6408% | 4,601 |
| Cost of funding earning assets | 0.3390% | 3,870 |
| Net interest margin | 3.3018% | 4,333 |
| Noninterest income to average assets | 0.4524% | 3,694 |
| Noninterest expense to average assets | 2.1969% | 5,062 |
| Loan and lease loss provision to assets | 0.0441% | 3,333 |
| Net operating income to assets | 1.2840% | 1,382 |
| Return on assets (ROA) | 1.3587% | 1,254 |
| Pretax return on assets | 1.3759% | 2,118 |
| Return on Equity (ROE) | 12.7855% | 1,176 |
| Retained earnings to average equity (ytd only) | 7.5228% | 1,435 |
| Net charge-offs to loans | 0.2310% | 1,140 |
| Credit loss provision to net charge-offs | 36.7347% | 3,201 |
| Earnings coverage of net charge-offs (x) | 11.1959% | 2,518 |
| Efficiency ratio | 62.0346% | 4,562 |
| Assets per employee ($millions) | 5.7842% | 1,523 |
| Cash dividends to net income (ytd only)* | 41.1617% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 2,908 |
| Loan loss allowance to noncurrent loans | 67.2949% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.0816% | 2,195 |
| Noncurrent loans to loans | 1.9898% | 1,166 |
| Net loans and leases to total assets | 51.1650% | 4,836 |
| Net loans and leases to deposits | 62.7626% | 4,664 |
| Net loans and leases to core deposits | 68.8795% | 4,465 |
| Total domestic deposits to total assets | 81.5215% | 4,317 |
| Equity capital to assets | 10.8028% | 3,235 |
| Core capital (leverage) ratio | 9.6421% | 4,123 |
| Tier 1 risk-based capital ratio | 16.0356% | 2,778 |
| Total risk-based capital ratio | 17.2477% | 2,742 |
| Memoranda: | ||
| Average total assets | $272,013,750 | 2,338 |
| Average earning assets | $254,482,750 | 2,319 |
| Average equity | $28,907,000 | 2,413 |
| Average total loans | $141,388,750 | 2,726 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6213% | 4,662 |
| Cost of funding earning assets | 0.3365% | 3,965 |
| Net interest margin | 3.2848% | 4,356 |
| Noninterest income to average assets | 0.4649% | 3,597 |
| Noninterest expense to average assets | 2.2440% | 4,992 |
| Loan and lease loss provision to assets | 0.0148% | 3,826 |
| Net operating income to assets | 1.2713% | 1,398 |
| Return on assets (ROA) | 1.3534% | 1,230 |
| Pretax return on assets | 1.3674% | 2,118 |
| Return on Equity (ROE) | 12.8078% | 1,154 |
| Retained earnings to average equity (ytd only) | 7.0345% | 1,691 |
| Net charge-offs to loans | 0.0071% | 3,652 |
| Credit loss provision to net charge-offs | 400.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 351.0000% | 198 |
| Efficiency ratio | 63.3305% | 4,462 |
| Assets per employee ($millions) | 5.6510% | 1,620 |
| Cash dividends to net income (ytd only)* | 45.0766% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 2,389 |
| Loan loss allowance to noncurrent loans | 78.3128% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 1.0356% | 2,434 |
| Noncurrent loans to loans | 1.8867% | 1,319 |
| Net loans and leases to total assets | 51.5742% | 4,796 |
| Net loans and leases to deposits | 62.9948% | 4,618 |
| Net loans and leases to core deposits | 70.1921% | 4,309 |
| Total domestic deposits to total assets | 81.8706% | 4,335 |
| Equity capital to assets | 10.2743% | 3,717 |
| Core capital (leverage) ratio | 9.4138% | 4,398 |
| Tier 1 risk-based capital ratio | 15.9614% | 2,881 |
| Total risk-based capital ratio | 17.2125% | 2,832 |
| Memoranda: | ||
| Average total assets | $270,138,000 | 2,372 |
| Average earning assets | $253,169,330 | 2,345 |
| Average equity | $28,545,000 | 2,452 |
| Average total loans | $140,524,000 | 2,744 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 4,592 |
| Cost of funding earning assets | 0.3340% | 4,055 |
| Net interest margin | 3.2973% | 4,231 |
| Noninterest income to average assets | 0.4466% | 3,655 |
| Noninterest expense to average assets | 2.1930% | 5,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3314% | 1,179 |
| Return on assets (ROA) | 1.3725% | 1,146 |
| Pretax return on assets | 1.3858% | 1,940 |
| Return on Equity (ROE) | 12.8103% | 1,137 |
| Retained earnings to average equity (ytd only) | 8.2401% | 1,476 |
| Net charge-offs to loans | -0.0086% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9966% | 4,799 |
| Assets per employee ($millions) | 5.6598% | 1,660 |
| Cash dividends to net income (ytd only)* | 35.6757% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 2,550 |
| Loan loss allowance to noncurrent loans | 102.2048% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 3,191 |
| Noncurrent loans to loans | 1.4451% | 1,978 |
| Net loans and leases to total assets | 51.2208% | 4,729 |
| Net loans and leases to deposits | 62.1712% | 4,562 |
| Net loans and leases to core deposits | 68.7145% | 4,267 |
| Total domestic deposits to total assets | 82.3867% | 4,386 |
| Equity capital to assets | 10.9254% | 3,056 |
| Core capital (leverage) ratio | 9.4777% | 4,317 |
| Tier 1 risk-based capital ratio | 16.1697% | 2,833 |
| Total risk-based capital ratio | 17.4208% | 2,777 |
| Memoranda: | ||
| Average total assets | $269,582,000 | 2,391 |
| Average earning assets | $252,693,500 | 2,369 |
| Average equity | $28,883,000 | 2,439 |
| Average total loans | $139,789,500 | 2,758 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 4,896 |
| Cost of funding earning assets | 0.3447% | 4,312 |
| Net interest margin | 3.3193% | 4,513 |
| Noninterest income to average assets | 0.4020% | 4,164 |
| Noninterest expense to average assets | 2.3039% | 5,104 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1878% | 1,622 |
| Return on assets (ROA) | 1.2599% | 1,458 |
| Pretax return on assets | 1.2770% | 2,318 |
| Return on Equity (ROE) | 12.5680% | 1,247 |
| Retained earnings to average equity (ytd only) | 7.0806% | 1,366 |
| Net charge-offs to loans | 0.0308% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 73.9524% | 680 |
| Efficiency ratio | 65.6758% | 4,308 |
| Assets per employee ($millions) | 5.5728% | 1,709 |
| Cash dividends to net income (ytd only)* | 43.6615% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 2,444 |
| Loan loss allowance to noncurrent loans | 213.4221% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 4,459 |
| Noncurrent loans to loans | 0.7055% | 3,563 |
| Net loans and leases to total assets | 50.9389% | 4,876 |
| Net loans and leases to deposits | 60.7475% | 4,835 |
| Net loans and leases to core deposits | 65.6610% | 4,693 |
| Total domestic deposits to total assets | 83.8535% | 3,783 |
| Equity capital to assets | 10.4993% | 3,483 |
| Core capital (leverage) ratio | 9.3213% | 4,510 |
| Tier 1 risk-based capital ratio | 16.4866% | 2,718 |
| Total risk-based capital ratio | 17.7389% | 2,670 |
| Memoranda: | ||
| Average total assets | $257,953,000 | 2,452 |
| Average earning assets | $241,378,200 | 2,421 |
| Average equity | $25,859,400 | 2,584 |
| Average total loans | $136,212,800 | 2,759 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 5,016 |
| Cost of funding earning assets | 0.3424% | 4,430 |
| Net interest margin | 3.3039% | 4,588 |
| Noninterest income to average assets | 0.4064% | 4,201 |
| Noninterest expense to average assets | 2.2981% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1771% | 1,766 |
| Return on assets (ROA) | 1.2630% | 1,542 |
| Pretax return on assets | 1.2865% | 2,429 |
| Return on Equity (ROE) | 12.7571% | 1,276 |
| Retained earnings to average equity (ytd only) | 7.8460% | 1,428 |
| Net charge-offs to loans | 0.0216% | 4,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 104.4637% | 571 |
| Efficiency ratio | 65.7168% | 4,253 |
| Assets per employee ($millions) | 5.2887% | 1,913 |
| Cash dividends to net income (ytd only)* | 38.4966% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 2,663 |
| Loan loss allowance to noncurrent loans | 267.8981% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 4,906 |
| Noncurrent loans to loans | 0.5633% | 4,231 |
| Net loans and leases to total assets | 51.9092% | 4,815 |
| Net loans and leases to deposits | 61.7974% | 4,759 |
| Net loans and leases to core deposits | 66.1853% | 4,686 |
| Total domestic deposits to total assets | 83.9990% | 3,767 |
| Equity capital to assets | 10.2688% | 3,828 |
| Core capital (leverage) ratio | 9.4279% | 4,471 |
| Tier 1 risk-based capital ratio | 16.0758% | 3,025 |
| Total risk-based capital ratio | 17.3258% | 2,975 |
| Memoranda: | ||
| Average total assets | $255,567,500 | 2,493 |
| Average earning assets | $239,066,000 | 2,448 |
| Average equity | $25,303,000 | 2,640 |
| Average total loans | $135,680,500 | 2,783 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 5,048 |
| Cost of funding earning assets | 0.3573% | 4,346 |
| Net interest margin | 3.2805% | 4,665 |
| Noninterest income to average assets | 0.3982% | 4,258 |
| Noninterest expense to average assets | 2.3245% | 5,096 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1243% | 1,841 |
| Return on assets (ROA) | 1.2034% | 1,647 |
| Pretax return on assets | 1.2224% | 2,565 |
| Return on Equity (ROE) | 12.3147% | 1,348 |
| Retained earnings to average equity (ytd only) | 6.7974% | 1,871 |
| Net charge-offs to loans | 0.0119% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 180.2500% | 349 |
| Efficiency ratio | 67.0626% | 4,188 |
| Assets per employee ($millions) | 5.0980% | 2,092 |
| Cash dividends to net income (ytd only)* | 44.8026% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 2,487 |
| Loan loss allowance to noncurrent loans | 234.4408% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4013% | 4,809 |
| Noncurrent loans to loans | 0.6795% | 4,015 |
| Net loans and leases to total assets | 51.3066% | 4,820 |
| Net loans and leases to deposits | 60.3905% | 4,834 |
| Net loans and leases to core deposits | 63.5411% | 4,857 |
| Total domestic deposits to total assets | 84.9581% | 3,529 |
| Equity capital to assets | 10.3028% | 3,690 |
| Core capital (leverage) ratio | 9.4537% | 4,391 |
| Tier 1 risk-based capital ratio | 16.3836% | 2,884 |
| Total risk-based capital ratio | 17.6366% | 2,842 |
| Memoranda: | ||
| Average total assets | $252,612,330 | 2,521 |
| Average earning assets | $236,243,330 | 2,479 |
| Average equity | $24,686,000 | 2,695 |
| Average total loans | $134,451,330 | 2,802 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6394% | 5,037 |
| Cost of funding earning assets | 0.3639% | 4,398 |
| Net interest margin | 3.2755% | 4,642 |
| Noninterest income to average assets | 0.3881% | 4,291 |
| Noninterest expense to average assets | 2.4433% | 4,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9920% | 2,236 |
| Return on assets (ROA) | 1.1978% | 1,561 |
| Pretax return on assets | 1.2184% | 2,401 |
| Return on Equity (ROE) | 12.6036% | 1,259 |
| Retained earnings to average equity (ytd only) | 8.5195% | 1,411 |
| Net charge-offs to loans | -0.0148% | 5,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7834% | 3,687 |
| Assets per employee ($millions) | 5.0395% | 2,204 |
| Cash dividends to net income (ytd only)* | 32.4037% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 2,741 |
| Loan loss allowance to noncurrent loans | 226.5957% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 4,874 |
| Noncurrent loans to loans | 0.7026% | 4,109 |
| Net loans and leases to total assets | 52.2498% | 4,644 |
| Net loans and leases to deposits | 59.7763% | 4,788 |
| Net loans and leases to core deposits | 62.8376% | 4,803 |
| Total domestic deposits to total assets | 87.4090% | 2,562 |
| Equity capital to assets | 9.8336% | 4,057 |
| Core capital (leverage) ratio | 9.4601% | 4,335 |
| Tier 1 risk-based capital ratio | 15.9055% | 3,213 |
| Total risk-based capital ratio | 17.1586% | 3,169 |
| Memoranda: | ||
| Average total assets | $251,468,000 | 2,542 |
| Average earning assets | $235,202,500 | 2,494 |
| Average equity | $23,898,000 | 2,766 |
| Average total loans | $135,228,000 | 2,808 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5602% | 5,508 |
| Cost of funding earning assets | 0.4124% | 4,513 |
| Net interest margin | 3.1478% | 5,165 |
| Noninterest income to average assets | 0.4490% | 4,093 |
| Noninterest expense to average assets | 2.2484% | 5,506 |
| Loan and lease loss provision to assets | 0.0202% | 4,734 |
| Net operating income to assets | 1.1213% | 1,862 |
| Return on assets (ROA) | 1.0957% | 2,018 |
| Pretax return on assets | 1.1038% | 2,936 |
| Return on Equity (ROE) | 11.7789% | 1,494 |
| Retained earnings to average equity (ytd only) | 6.9604% | 1,448 |
| Net charge-offs to loans | 0.0068% | 5,319 |
| Credit loss provision to net charge-offs | 555.5556% | 421 |
| Earnings coverage of net charge-offs (x) | 316.1111% | 142 |
| Efficiency ratio | 66.1632% | 4,528 |
| Assets per employee ($millions) | 4.8262% | 2,410 |
| Cash dividends to net income (ytd only)* | 40.9074% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 2,944 |
| Loan loss allowance to noncurrent loans | 213.7827% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 4,972 |
| Noncurrent loans to loans | 0.7273% | 4,144 |
| Net loans and leases to total assets | 53.6117% | 4,636 |
| Net loans and leases to deposits | 60.5709% | 4,884 |
| Net loans and leases to core deposits | 63.1598% | 4,956 |
| Total domestic deposits to total assets | 88.5106% | 1,904 |
| Equity capital to assets | 9.1719% | 4,841 |
| Core capital (leverage) ratio | 9.2247% | 4,684 |
| Tier 1 risk-based capital ratio | 15.5379% | 3,349 |
| Total risk-based capital ratio | 16.7877% | 3,305 |
| Memoranda: | ||
| Average total assets | $247,416,800 | 2,552 |
| Average earning assets | $231,812,200 | 2,501 |
| Average equity | $23,015,800 | 2,820 |
| Average total loans | $131,514,800 | 2,837 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5136% | 5,653 |
| Cost of funding earning assets | 0.4192% | 4,631 |
| Net interest margin | 3.0944% | 5,330 |
| Noninterest income to average assets | 0.4586% | 4,092 |
| Noninterest expense to average assets | 2.2563% | 5,463 |
| Loan and lease loss provision to assets | 0.0135% | 4,732 |
| Net operating income to assets | 1.0829% | 2,074 |
| Return on assets (ROA) | 1.0454% | 2,281 |
| Pretax return on assets | 1.0535% | 3,285 |
| Return on Equity (ROE) | 11.1981% | 1,752 |
| Retained earnings to average equity (ytd only) | 7.2935% | 1,741 |
| Net charge-offs to loans | -0.0133% | 5,950 |
| Credit loss provision to net charge-offs | -192.3077% | 5,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1279% | 4,277 |
| Assets per employee ($millions) | 4.6420% | 2,649 |
| Cash dividends to net income (ytd only)* | 34.8679% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6068% | 2,972 |
| Loan loss allowance to noncurrent loans | 244.8674% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 5,316 |
| Noncurrent loans to loans | 0.6562% | 4,561 |
| Net loans and leases to total assets | 52.8393% | 4,770 |
| Net loans and leases to deposits | 60.0529% | 4,964 |
| Net loans and leases to core deposits | 62.7209% | 5,044 |
| Total domestic deposits to total assets | 87.9879% | 2,138 |
| Equity capital to assets | 9.2039% | 4,932 |
| Core capital (leverage) ratio | 9.1914% | 4,845 |
| Tier 1 risk-based capital ratio | 15.7058% | 3,351 |
| Total risk-based capital ratio | 16.9577% | 3,301 |
| Memoranda: | ||
| Average total assets | $246,530,500 | 2,578 |
| Average earning assets | $231,250,500 | 2,521 |
| Average equity | $23,015,250 | 2,851 |
| Average total loans | $130,226,000 | 2,877 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4894% | 5,721 |
| Cost of funding earning assets | 0.4289% | 4,672 |
| Net interest margin | 3.0605% | 5,395 |
| Noninterest income to average assets | 0.4540% | 4,134 |
| Noninterest expense to average assets | 2.2359% | 5,536 |
| Loan and lease loss provision to assets | 0.0203% | 4,493 |
| Net operating income to assets | 1.0645% | 2,059 |
| Return on assets (ROA) | 1.0645% | 2,178 |
| Pretax return on assets | 1.0726% | 3,203 |
| Return on Equity (ROE) | 11.3488% | 1,704 |
| Retained earnings to average equity (ytd only) | 7.4852% | 1,673 |
| Net charge-offs to loans | -0.0340% | 6,130 |
| Credit loss provision to net charge-offs | -113.6364% | 5,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1700% | 4,328 |
| Assets per employee ($millions) | 4.5091% | 2,807 |
| Cash dividends to net income (ytd only)* | 34.0442% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6108% | 3,117 |
| Loan loss allowance to noncurrent loans | 278.5621% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 5,535 |
| Noncurrent loans to loans | 0.5782% | 4,813 |
| Net loans and leases to total assets | 53.4586% | 4,660 |
| Net loans and leases to deposits | 60.1064% | 4,968 |
| Net loans and leases to core deposits | 62.7314% | 5,033 |
| Total domestic deposits to total assets | 88.9400% | 1,663 |
| Equity capital to assets | 9.0940% | 5,111 |
| Core capital (leverage) ratio | 9.1708% | 4,732 |
| Tier 1 risk-based capital ratio | 15.3982% | 3,528 |
| Total risk-based capital ratio | 16.6515% | 3,492 |
| Memoranda: | ||
| Average total assets | $246,698,330 | 2,580 |
| Average earning assets | $231,730,330 | 2,523 |
| Average equity | $23,139,000 | 2,850 |
| Average total loans | $129,594,000 | 2,885 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4580% | 5,815 |
| Cost of funding earning assets | 0.4580% | 4,503 |
| Net interest margin | 3.0000% | 5,572 |
| Noninterest income to average assets | 0.4221% | 4,304 |
| Noninterest expense to average assets | 2.3504% | 5,272 |
| Loan and lease loss provision to assets | 0.0403% | 3,924 |
| Net operating income to assets | 0.8361% | 2,969 |
| Return on assets (ROA) | 0.8361% | 3,115 |
| Pretax return on assets | 0.8490% | 3,954 |
| Return on Equity (ROE) | 8.7828% | 2,588 |
| Retained earnings to average equity (ytd only) | 6.6506% | 2,344 |
| Net charge-offs to loans | -0.0468% | 6,102 |
| Credit loss provision to net charge-offs | -166.6667% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5510% | 3,510 |
| Assets per employee ($millions) | 4.3641% | 3,214 |
| Cash dividends to net income (ytd only)* | 24.2775% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6834% | 3,078 |
| Loan loss allowance to noncurrent loans | 264.5081% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 5,597 |
| Noncurrent loans to loans | 0.6364% | 4,855 |
| Net loans and leases to total assets | 50.7582% | 4,886 |
| Net loans and leases to deposits | 57.1261% | 5,126 |
| Net loans and leases to core deposits | 59.5961% | 5,184 |
| Total domestic deposits to total assets | 88.8530% | 1,763 |
| Equity capital to assets | 9.6568% | 4,633 |
| Core capital (leverage) ratio | 8.8124% | 5,165 |
| Tier 1 risk-based capital ratio | 16.1238% | 3,195 |
| Total risk-based capital ratio | 17.3744% | 3,154 |
| Memoranda: | ||
| Average total assets | $248,302,000 | 2,600 |
| Average earning assets | $233,201,500 | 2,536 |
| Average equity | $23,637,000 | 2,842 |
| Average total loans | $128,242,000 | 2,922 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8805% | 5,634 |
| Cost of funding earning assets | 0.5729% | 4,610 |
| Net interest margin | 3.3075% | 5,221 |
| Noninterest income to average assets | 0.5105% | 3,830 |
| Noninterest expense to average assets | 2.2704% | 5,766 |
| Loan and lease loss provision to assets | 0.1577% | 3,647 |
| Net operating income to assets | 1.1804% | 1,662 |
| Return on assets (ROA) | 1.4277% | 1,169 |
| Pretax return on assets | 1.4420% | 1,885 |
| Return on Equity (ROE) | 14.9744% | 813 |
| Retained earnings to average equity (ytd only) | 9.3948% | 722 |
| Net charge-offs to loans | 0.1176% | 4,513 |
| Credit loss provision to net charge-offs | 253.3784% | 954 |
| Earnings coverage of net charge-offs (x) | 21.6892% | 1,289 |
| Efficiency ratio | 62.5624% | 5,157 |
| Assets per employee ($millions) | 4.5857% | 2,810 |
| Cash dividends to net income (ytd only)* | 37.2607% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 3,314 |
| Loan loss allowance to noncurrent loans | 258.2404% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 5,623 |
| Noncurrent loans to loans | 0.6193% | 4,967 |
| Net loans and leases to total assets | 50.8409% | 5,059 |
| Net loans and leases to deposits | 58.9594% | 5,131 |
| Net loans and leases to core deposits | 61.3692% | 5,226 |
| Total domestic deposits to total assets | 86.2305% | 3,237 |
| Equity capital to assets | 9.3864% | 5,020 |
| Core capital (leverage) ratio | 8.7212% | 5,293 |
| Tier 1 risk-based capital ratio | 15.3548% | 3,507 |
| Total risk-based capital ratio | 16.6085% | 3,463 |
| Memoranda: | ||
| Average total assets | $237,795,200 | 2,659 |
| Average earning assets | $223,580,400 | 2,581 |
| Average equity | $22,672,000 | 2,888 |
| Average total loans | $125,856,400 | 2,961 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 5,582 |
| Cost of funding earning assets | 0.5932% | 4,716 |
| Net interest margin | 3.3819% | 5,089 |
| Noninterest income to average assets | 0.5073% | 3,874 |
| Noninterest expense to average assets | 2.3097% | 5,662 |
| Loan and lease loss provision to assets | 0.1566% | 3,563 |
| Net operating income to assets | 1.2183% | 1,674 |
| Return on assets (ROA) | 1.5531% | 1,039 |
| Pretax return on assets | 1.5634% | 1,694 |
| Return on Equity (ROE) | 16.2221% | 713 |
| Retained earnings to average equity (ytd only) | 11.6374% | 588 |
| Net charge-offs to loans | 0.1368% | 4,023 |
| Credit loss provision to net charge-offs | 214.8438% | 1,294 |
| Earnings coverage of net charge-offs (x) | 18.9612% | 1,524 |
| Efficiency ratio | 62.3689% | 5,089 |
| Assets per employee ($millions) | 4.3929% | 3,083 |
| Cash dividends to net income (ytd only)* | 28.2624% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 3,594 |
| Loan loss allowance to noncurrent loans | 315.0943% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 5,943 |
| Noncurrent loans to loans | 0.5021% | 5,438 |
| Net loans and leases to total assets | 51.6003% | 5,105 |
| Net loans and leases to deposits | 58.9806% | 5,317 |
| Net loans and leases to core deposits | 62.1108% | 5,347 |
| Total domestic deposits to total assets | 87.4869% | 2,360 |
| Equity capital to assets | 9.7806% | 4,811 |
| Core capital (leverage) ratio | 8.9135% | 5,175 |
| Tier 1 risk-based capital ratio | 15.9949% | 3,261 |
| Total risk-based capital ratio | 17.2491% | 3,229 |
| Memoranda: | ||
| Average total assets | $234,190,000 | 2,709 |
| Average earning assets | $220,504,250 | 2,633 |
| Average equity | $22,421,500 | 2,953 |
| Average total loans | $124,742,250 | 3,021 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0456% | 5,498 |
| Cost of funding earning assets | 0.6159% | 4,754 |
| Net interest margin | 3.4297% | 4,973 |
| Noninterest income to average assets | 0.5023% | 3,909 |
| Noninterest expense to average assets | 2.3693% | 5,566 |
| Loan and lease loss provision to assets | 0.1079% | 4,173 |
| Net operating income to assets | 1.2498% | 1,567 |
| Return on assets (ROA) | 1.6788% | 790 |
| Pretax return on assets | 1.6883% | 1,292 |
| Return on Equity (ROE) | 17.6671% | 546 |
| Retained earnings to average equity (ytd only) | 12.9347% | 444 |
| Net charge-offs to loans | 0.1821% | 3,502 |
| Credit loss provision to net charge-offs | 110.6195% | 2,456 |
| Earnings coverage of net charge-offs (x) | 13.9735% | 1,744 |
| Efficiency ratio | 63.1822% | 5,052 |
| Assets per employee ($millions) | 4.3472% | 3,173 |
| Cash dividends to net income (ytd only)* | 26.7866% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 4,102 |
| Loan loss allowance to noncurrent loans | 236.2832% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 5,885 |
| Noncurrent loans to loans | 0.6271% | 5,257 |
| Net loans and leases to total assets | 51.9750% | 5,105 |
| Net loans and leases to deposits | 61.9746% | 4,995 |
| Net loans and leases to core deposits | 66.6826% | 4,927 |
| Total domestic deposits to total assets | 83.8649% | 4,369 |
| Equity capital to assets | 9.4515% | 5,127 |
| Core capital (leverage) ratio | 8.7938% | 5,226 |
| Tier 1 risk-based capital ratio | 15.5464% | 3,412 |
| Total risk-based capital ratio | 16.7953% | 3,372 |
| Memoranda: | ||
| Average total assets | $231,716,330 | 2,736 |
| Average earning assets | $218,213,330 | 2,666 |
| Average equity | $22,018,330 | 2,982 |
| Average total loans | $124,097,670 | 3,045 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 5,413 |
| Cost of funding earning assets | 0.6468% | 4,756 |
| Net interest margin | 3.4640% | 4,854 |
| Noninterest income to average assets | 0.4842% | 4,032 |
| Noninterest expense to average assets | 2.3716% | 5,567 |
| Loan and lease loss provision to assets | 0.0789% | 4,413 |
| Net operating income to assets | 1.2753% | 1,520 |
| Return on assets (ROA) | 1.9419% | 536 |
| Pretax return on assets | 1.9506% | 804 |
| Return on Equity (ROE) | 20.3788% | 365 |
| Retained earnings to average equity (ytd only) | 16.5681% | 333 |
| Net charge-offs to loans | 0.2307% | 2,772 |
| Credit loss provision to net charge-offs | 63.3803% | 3,050 |
| Earnings coverage of net charge-offs (x) | 10.9437% | 1,712 |
| Efficiency ratio | 62.9873% | 5,109 |
| Assets per employee ($millions) | 4.1990% | 3,579 |
| Cash dividends to net income (ytd only)* | 18.6992% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 4,231 |
| Loan loss allowance to noncurrent loans | 302.1452% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 6,126 |
| Noncurrent loans to loans | 0.4921% | 5,691 |
| Net loans and leases to total assets | 52.5298% | 4,945 |
| Net loans and leases to deposits | 59.8582% | 5,168 |
| Net loans and leases to core deposits | 63.8501% | 5,130 |
| Total domestic deposits to total assets | 87.7572% | 2,492 |
| Equity capital to assets | 9.5227% | 4,769 |
| Core capital (leverage) ratio | 8.9452% | 4,924 |
| Tier 1 risk-based capital ratio | 15.5494% | 3,415 |
| Total risk-based capital ratio | 16.7994% | 3,392 |
| Memoranda: | ||
| Average total assets | $228,027,500 | 2,793 |
| Average earning assets | $213,969,500 | 2,725 |
| Average equity | $21,728,500 | 3,006 |
| Average total loans | $123,077,500 | 3,081 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 5,481 |
| Cost of funding earning assets | 0.9427% | 3,768 |
| Net interest margin | 3.4421% | 5,361 |
| Noninterest income to average assets | 0.5457% | 3,541 |
| Noninterest expense to average assets | 2.3398% | 5,943 |
| Loan and lease loss provision to assets | 0.1190% | 5,113 |
| Net operating income to assets | 1.2896% | 1,276 |
| Return on assets (ROA) | 1.4465% | 1,012 |
| Pretax return on assets | 1.4676% | 1,567 |
| Return on Equity (ROE) | 16.4771% | 538 |
| Retained earnings to average equity (ytd only) | 11.3053% | 369 |
| Net charge-offs to loans | 0.1059% | 5,301 |
| Credit loss provision to net charge-offs | 203.8462% | 1,221 |
| Earnings coverage of net charge-offs (x) | 24.4615% | 990 |
| Efficiency ratio | 61.5971% | 5,521 |
| Assets per employee ($millions) | 4.0929% | 3,659 |
| Cash dividends to net income (ytd only)* | 31.3878% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 3,971 |
| Loan loss allowance to noncurrent loans | 187.7654% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4860% | 5,756 |
| Noncurrent loans to loans | 0.8040% | 5,083 |
| Net loans and leases to total assets | 53.8190% | 5,063 |
| Net loans and leases to deposits | 61.3784% | 5,326 |
| Net loans and leases to core deposits | 63.6900% | 5,496 |
| Total domestic deposits to total assets | 87.6839% | 2,346 |
| Equity capital to assets | 9.5353% | 4,823 |
| Core capital (leverage) ratio | 8.5571% | 5,469 |
| Tier 1 risk-based capital ratio | 15.1603% | 3,542 |
| Total risk-based capital ratio | 16.4208% | 3,497 |
| Memoranda: | ||
| Average total assets | $222,669,200 | 2,814 |
| Average earning assets | $208,448,000 | 2,742 |
| Average equity | $19,548,400 | 3,204 |
| Average total loans | $122,744,800 | 3,127 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 5,559 |
| Cost of funding earning assets | 0.9541% | 4,009 |
| Net interest margin | 3.4616% | 5,353 |
| Noninterest income to average assets | 0.5260% | 3,688 |
| Noninterest expense to average assets | 2.3717% | 5,846 |
| Loan and lease loss provision to assets | 0.1111% | 5,043 |
| Net operating income to assets | 1.2712% | 1,450 |
| Return on assets (ROA) | 1.4548% | 1,115 |
| Pretax return on assets | 1.4680% | 1,741 |
| Return on Equity (ROE) | 16.9414% | 573 |
| Retained earnings to average equity (ytd only) | 11.5925% | 542 |
| Net charge-offs to loans | 0.0685% | 5,276 |
| Credit loss provision to net charge-offs | 293.6508% | 977 |
| Earnings coverage of net charge-offs (x) | 36.8404% | 817 |
| Efficiency ratio | 62.4781% | 5,337 |
| Assets per employee ($millions) | 4.1016% | 3,641 |
| Cash dividends to net income (ytd only)* | 31.5723% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 4,089 |
| Loan loss allowance to noncurrent loans | 367.3307% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 6,429 |
| Noncurrent loans to loans | 0.4086% | 6,029 |
| Net loans and leases to total assets | 53.6458% | 5,220 |
| Net loans and leases to deposits | 59.4989% | 5,690 |
| Net loans and leases to core deposits | 65.1147% | 5,513 |
| Total domestic deposits to total assets | 90.1626% | 782 |
| Equity capital to assets | 9.2110% | 5,496 |
| Core capital (leverage) ratio | 8.3049% | 5,969 |
| Tier 1 risk-based capital ratio | 14.8651% | 3,747 |
| Total risk-based capital ratio | 16.1081% | 3,721 |
| Memoranda: | ||
| Average total assets | $222,058,500 | 2,824 |
| Average earning assets | $207,798,500 | 2,759 |
| Average equity | $19,069,250 | 3,277 |
| Average total loans | $122,678,500 | 3,154 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 5,569 |
| Cost of funding earning assets | 0.9768% | 4,113 |
| Net interest margin | 3.4584% | 5,325 |
| Noninterest income to average assets | 0.5071% | 3,806 |
| Noninterest expense to average assets | 2.4085% | 5,817 |
| Loan and lease loss provision to assets | 0.1358% | 4,610 |
| Net operating income to assets | 1.1876% | 1,613 |
| Return on assets (ROA) | 1.2423% | 1,533 |
| Pretax return on assets | 1.2559% | 2,280 |
| Return on Equity (ROE) | 14.8330% | 829 |
| Retained earnings to average equity (ytd only) | 8.3571% | 1,318 |
| Net charge-offs to loans | 0.0816% | 4,826 |
| Credit loss provision to net charge-offs | 300.0000% | 1,005 |
| Earnings coverage of net charge-offs (x) | 29.5200% | 929 |
| Efficiency ratio | 63.8056% | 5,277 |
| Assets per employee ($millions) | 4.0939% | 3,560 |
| Cash dividends to net income (ytd only)* | 43.6589% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 4,184 |
| Loan loss allowance to noncurrent loans | 256.2588% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 6,281 |
| Noncurrent loans to loans | 0.5810% | 5,767 |
| Net loans and leases to total assets | 54.5293% | 5,219 |
| Net loans and leases to deposits | 60.5473% | 5,668 |
| Net loans and leases to core deposits | 67.2279% | 5,367 |
| Total domestic deposits to total assets | 90.0607% | 944 |
| Equity capital to assets | 8.8691% | 5,744 |
| Core capital (leverage) ratio | 8.0602% | 6,219 |
| Tier 1 risk-based capital ratio | 13.9137% | 4,228 |
| Total risk-based capital ratio | 15.2262% | 4,161 |
| Memoranda: | ||
| Average total assets | $220,881,670 | 2,850 |
| Average earning assets | $206,799,000 | 2,796 |
| Average equity | $18,499,330 | 3,335 |
| Average total loans | $122,617,000 | 3,181 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 5,681 |
| Cost of funding earning assets | 0.9887% | 4,281 |
| Net interest margin | 3.4150% | 5,371 |
| Noninterest income to average assets | 0.4783% | 4,062 |
| Noninterest expense to average assets | 2.4494% | 5,740 |
| Loan and lease loss provision to assets | 0.1631% | 3,998 |
| Net operating income to assets | 1.0502% | 1,998 |
| Return on assets (ROA) | 0.9964% | 2,239 |
| Pretax return on assets | 1.0091% | 3,104 |
| Return on Equity (ROE) | 12.2593% | 1,386 |
| Retained earnings to average equity (ytd only) | 5.8176% | 2,745 |
| Net charge-offs to loans | 0.0782% | 4,160 |
| Credit loss provision to net charge-offs | 375.0000% | 879 |
| Earnings coverage of net charge-offs (x) | 28.2083% | 865 |
| Efficiency ratio | 66.0917% | 5,022 |
| Assets per employee ($millions) | 4.1602% | 3,522 |
| Cash dividends to net income (ytd only)* | 52.5455% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 4,372 |
| Loan loss allowance to noncurrent loans | 248.3333% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 6,331 |
| Noncurrent loans to loans | 0.5896% | 5,849 |
| Net loans and leases to total assets | 54.5734% | 5,223 |
| Net loans and leases to deposits | 59.8990% | 5,737 |
| Net loans and leases to core deposits | 65.2241% | 5,600 |
| Total domestic deposits to total assets | 91.1090% | 573 |
| Equity capital to assets | 8.3223% | 6,137 |
| Core capital (leverage) ratio | 7.8417% | 6,428 |
| Tier 1 risk-based capital ratio | 13.8084% | 4,206 |
| Total risk-based capital ratio | 15.1015% | 4,151 |
| Memoranda: | ||
| Average total assets | $220,786,500 | 2,869 |
| Average earning assets | $206,735,500 | 2,821 |
| Average equity | $17,945,500 | 3,401 |
| Average total loans | $122,740,000 | 3,201 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8060% | 5,389 |
| Cost of funding earning assets | 1.0402% | 5,481 |
| Net interest margin | 3.7658% | 4,081 |
| Noninterest income to average assets | 0.5189% | 4,034 |
| Noninterest expense to average assets | 2.5003% | 5,794 |
| Loan and lease loss provision to assets | 0.1659% | 5,560 |
| Net operating income to assets | 1.3392% | 1,086 |
| Return on assets (ROA) | 1.2295% | 1,416 |
| Pretax return on assets | 1.2434% | 2,091 |
| Return on Equity (ROE) | 15.0781% | 705 |
| Retained earnings to average equity (ytd only) | 12.4377% | 244 |
| Net charge-offs to loans | 0.2508% | 4,787 |
| Credit loss provision to net charge-offs | 116.8919% | 3,666 |
| Earnings coverage of net charge-offs (x) | 10.7095% | 1,680 |
| Efficiency ratio | 61.6889% | 5,778 |
| Assets per employee ($millions) | 3.8786% | 4,060 |
| Cash dividends to net income (ytd only)* | 17.5117% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 4,532 |
| Loan loss allowance to noncurrent loans | 180.5031% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 6,141 |
| Noncurrent loans to loans | 0.7733% | 5,498 |
| Net loans and leases to total assets | 55.0206% | 5,484 |
| Net loans and leases to deposits | 60.9932% | 5,957 |
| Net loans and leases to core deposits | 66.9105% | 5,784 |
| Total domestic deposits to total assets | 90.2077% | 984 |
| Equity capital to assets | 7.9342% | 6,550 |
| Core capital (leverage) ratio | 7.6656% | 6,569 |
| Tier 1 risk-based capital ratio | 13.0072% | 4,594 |
| Total risk-based capital ratio | 14.2578% | 4,557 |
| Memoranda: | ||
| Average total assets | $208,536,200 | 2,993 |
| Average earning assets | $193,903,400 | 2,955 |
| Average equity | $17,004,800 | 3,589 |
| Average total loans | $118,025,200 | 3,358 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8328% | 5,535 |
| Cost of funding earning assets | 1.0479% | 5,707 |
| Net interest margin | 3.7849% | 4,035 |
| Noninterest income to average assets | 0.5245% | 3,992 |
| Noninterest expense to average assets | 2.5556% | 5,487 |
| Loan and lease loss provision to assets | 0.1357% | 5,674 |
| Net operating income to assets | 1.3197% | 1,301 |
| Return on assets (ROA) | 1.1944% | 1,692 |
| Pretax return on assets | 1.2197% | 2,423 |
| Return on Equity (ROE) | 14.5416% | 934 |
| Retained earnings to average equity (ytd only) | 13.1348% | 331 |
| Net charge-offs to loans | 0.1611% | 5,032 |
| Credit loss provision to net charge-offs | 148.2270% | 2,641 |
| Earnings coverage of net charge-offs (x) | 16.2053% | 1,391 |
| Efficiency ratio | 62.7612% | 5,476 |
| Assets per employee ($millions) | 3.8377% | 4,171 |
| Cash dividends to net income (ytd only)* | 9.6740% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 4,249 |
| Loan loss allowance to noncurrent loans | 167.7917% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 6,207 |
| Noncurrent loans to loans | 0.8590% | 5,505 |
| Net loans and leases to total assets | 55.3638% | 5,645 |
| Net loans and leases to deposits | 61.8859% | 6,127 |
| Net loans and leases to core deposits | 66.9832% | 6,037 |
| Total domestic deposits to total assets | 89.4612% | 1,141 |
| Equity capital to assets | 8.5673% | 6,195 |
| Core capital (leverage) ratio | 7.9656% | 6,395 |
| Tier 1 risk-based capital ratio | 13.5354% | 4,175 |
| Total risk-based capital ratio | 14.7857% | 4,126 |
| Memoranda: | ||
| Average total assets | $205,400,000 | 3,072 |
| Average earning assets | $190,719,000 | 3,030 |
| Average equity | $16,870,750 | 3,661 |
| Average total loans | $116,691,000 | 3,431 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8699% | 5,534 |
| Cost of funding earning assets | 1.0741% | 5,809 |
| Net interest margin | 3.7958% | 3,912 |
| Noninterest income to average assets | 0.5242% | 3,924 |
| Noninterest expense to average assets | 2.5654% | 5,473 |
| Loan and lease loss provision to assets | 0.1780% | 5,090 |
| Net operating income to assets | 1.2710% | 1,381 |
| Return on assets (ROA) | 1.1314% | 1,817 |
| Pretax return on assets | 1.1541% | 2,572 |
| Return on Equity (ROE) | 13.9879% | 1,042 |
| Retained earnings to average equity (ytd only) | 12.2516% | 453 |
| Net charge-offs to loans | 0.2653% | 4,017 |
| Credit loss provision to net charge-offs | 117.6471% | 3,451 |
| Earnings coverage of net charge-offs (x) | 9.7451% | 1,980 |
| Efficiency ratio | 62.9865% | 5,524 |
| Assets per employee ($millions) | 3.7005% | 4,466 |
| Cash dividends to net income (ytd only)* | 12.4126% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 4,529 |
| Loan loss allowance to noncurrent loans | 113.7615% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 5,734 |
| Noncurrent loans to loans | 1.2125% | 4,938 |
| Net loans and leases to total assets | 56.6284% | 5,606 |
| Net loans and leases to deposits | 63.2723% | 6,111 |
| Net loans and leases to core deposits | 68.8995% | 5,979 |
| Total domestic deposits to total assets | 89.4996% | 1,180 |
| Equity capital to assets | 8.4250% | 6,261 |
| Core capital (leverage) ratio | 7.8971% | 6,386 |
| Tier 1 risk-based capital ratio | 13.2645% | 4,235 |
| Total risk-based capital ratio | 14.5131% | 4,197 |
| Memoranda: | ||
| Average total assets | $202,229,670 | 3,132 |
| Average earning assets | $187,313,670 | 3,100 |
| Average equity | $16,357,000 | 3,743 |
| Average total loans | $115,347,000 | 3,498 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 5,632 |
| Cost of funding earning assets | 1.1159% | 5,827 |
| Net interest margin | 3.7468% | 4,024 |
| Noninterest income to average assets | 0.5139% | 3,941 |
| Noninterest expense to average assets | 2.5955% | 5,375 |
| Loan and lease loss provision to assets | 0.1786% | 4,737 |
| Net operating income to assets | 1.1837% | 1,582 |
| Return on assets (ROA) | 0.9425% | 2,449 |
| Pretax return on assets | 0.9584% | 3,239 |
| Return on Equity (ROE) | 11.9033% | 1,526 |
| Retained earnings to average equity (ytd only) | 11.9033% | 760 |
| Net charge-offs to loans | 0.1047% | 4,374 |
| Credit loss provision to net charge-offs | 300.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 23.2333% | 1,060 |
| Efficiency ratio | 64.6883% | 5,356 |
| Assets per employee ($millions) | 3.7918% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 4,254 |
| Loan loss allowance to noncurrent loans | 215.3141% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 6,462 |
| Noncurrent loans to loans | 0.6648% | 5,995 |
| Net loans and leases to total assets | 55.3254% | 5,840 |
| Net loans and leases to deposits | 62.5173% | 6,229 |
| Net loans and leases to core deposits | 66.5074% | 6,248 |
| Total domestic deposits to total assets | 88.4961% | 1,787 |
| Equity capital to assets | 7.9666% | 6,694 |
| Core capital (leverage) ratio | 7.6982% | 6,629 |
| Tier 1 risk-based capital ratio | 12.7900% | 4,492 |
| Total risk-based capital ratio | 14.0776% | 4,433 |
| Memoranda: | ||
| Average total assets | $201,582,000 | 3,201 |
| Average earning assets | $186,400,500 | 3,171 |
| Average equity | $15,962,000 | 3,833 |
| Average total loans | $114,588,000 | 3,584 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3240% | 5,067 |
| Cost of funding earning assets | 1.5866% | 5,093 |
| Net interest margin | 3.7374% | 3,964 |
| Noninterest income to average assets | 0.5754% | 3,816 |
| Noninterest expense to average assets | 2.7164% | 5,313 |
| Loan and lease loss provision to assets | 0.0837% | 6,773 |
| Net operating income to assets | 1.1666% | 1,342 |
| Return on assets (ROA) | 0.9767% | 1,977 |
| Pretax return on assets | 0.9824% | 2,652 |
| Return on Equity (ROE) | 13.5564% | 861 |
| Retained earnings to average equity (ytd only) | 13.5564% | 134 |
| Net charge-offs to loans | 0.0919% | 6,210 |
| Credit loss provision to net charge-offs | 164.2857% | 2,656 |
| Earnings coverage of net charge-offs (x) | 24.6939% | 901 |
| Efficiency ratio | 67.8002% | 5,042 |
| Assets per employee ($millions) | 3.7435% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 4,298 |
| Loan loss allowance to noncurrent loans | 148.1308% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 6,045 |
| Noncurrent loans to loans | 0.9366% | 5,440 |
| Net loans and leases to total assets | 56.7840% | 5,856 |
| Net loans and leases to deposits | 61.9530% | 6,475 |
| Net loans and leases to core deposits | 65.9301% | 6,987 |
| Total domestic deposits to total assets | 91.6566% | 339 |
| Equity capital to assets | 7.8686% | 6,702 |
| Core capital (leverage) ratio | 7.4031% | 6,880 |
| Tier 1 risk-based capital ratio | 11.8900% | 5,034 |
| Total risk-based capital ratio | 13.1326% | 5,013 |
| Memoranda: | ||
| Average total assets | $192,387,200 | 3,263 |
| Average earning assets | $174,962,400 | 3,281 |
| Average equity | $13,860,600 | 4,295 |
| Average total loans | $106,642,400 | 3,762 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4080% | 4,904 |
| Cost of funding earning assets | 1.6576% | 5,120 |
| Net interest margin | 3.7504% | 3,863 |
| Noninterest income to average assets | 0.5881% | 3,793 |
| Noninterest expense to average assets | 2.7975% | 4,909 |
| Loan and lease loss provision to assets | 0.1097% | 6,274 |
| Net operating income to assets | 1.0746% | 1,814 |
| Return on assets (ROA) | 0.9660% | 2,229 |
| Pretax return on assets | 0.9723% | 2,984 |
| Return on Equity (ROE) | 13.7375% | 972 |
| Retained earnings to average equity (ytd only) | 13.7375% | 207 |
| Net charge-offs to loans | 0.0955% | 5,718 |
| Credit loss provision to net charge-offs | 209.3333% | 2,103 |
| Earnings coverage of net charge-offs (x) | 22.7461% | 1,146 |
| Efficiency ratio | 69.5675% | 4,678 |
| Assets per employee ($millions) | 3.7448% | 4,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 4,072 |
| Loan loss allowance to noncurrent loans | 171.8326% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6348% | 5,859 |
| Noncurrent loans to loans | 0.8022% | 5,697 |
| Net loans and leases to total assets | 54.7547% | 6,302 |
| Net loans and leases to deposits | 59.7207% | 6,849 |
| Net loans and leases to core deposits | 62.7678% | 7,296 |
| Total domestic deposits to total assets | 91.6846% | 229 |
| Equity capital to assets | 7.6553% | 7,189 |
| Core capital (leverage) ratio | 7.2152% | 7,255 |
| Tier 1 risk-based capital ratio | 12.0439% | 4,934 |
| Total risk-based capital ratio | 13.3646% | 4,813 |
| Memoranda: | ||
| Average total assets | $190,882,000 | 3,306 |
| Average earning assets | $173,097,000 | 3,333 |
| Average equity | $13,422,750 | 4,430 |
| Average total loans | $104,740,750 | 3,861 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5088% | 4,575 |
| Cost of funding earning assets | 1.7328% | 5,107 |
| Net interest margin | 3.7760% | 3,647 |
| Noninterest income to average assets | 0.5999% | 3,695 |
| Noninterest expense to average assets | 2.8574% | 4,697 |
| Loan and lease loss provision to assets | 0.0467% | 6,765 |
| Net operating income to assets | 1.0846% | 1,825 |
| Return on assets (ROA) | 0.9153% | 2,491 |
| Pretax return on assets | 0.9217% | 3,269 |
| Return on Equity (ROE) | 13.4348% | 1,088 |
| Retained earnings to average equity (ytd only) | 13.4348% | 286 |
| Net charge-offs to loans | 0.0272% | 6,096 |
| Credit loss provision to net charge-offs | 314.2857% | 1,481 |
| Earnings coverage of net charge-offs (x) | 76.6429% | 503 |
| Efficiency ratio | 70.9352% | 4,600 |
| Assets per employee ($millions) | 3.6824% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 3,431 |
| Loan loss allowance to noncurrent loans | 164.9309% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 5,874 |
| Noncurrent loans to loans | 0.8830% | 5,446 |
| Net loans and leases to total assets | 53.8062% | 6,479 |
| Net loans and leases to deposits | 58.1680% | 7,011 |
| Net loans and leases to core deposits | 61.6668% | 7,389 |
| Total domestic deposits to total assets | 92.5014% | 146 |
| Equity capital to assets | 6.8602% | 7,682 |
| Core capital (leverage) ratio | 7.1293% | 7,429 |
| Tier 1 risk-based capital ratio | 11.5781% | 5,304 |
| Total risk-based capital ratio | 12.7597% | 5,295 |
| Memoranda: | ||
| Average total assets | $188,350,670 | 3,355 |
| Average earning assets | $169,439,330 | 3,400 |
| Average equity | $12,832,330 | 4,586 |
| Average total loans | $102,923,000 | 3,936 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5715% | 4,518 |
| Cost of funding earning assets | 1.8159% | 5,042 |
| Net interest margin | 3.7556% | 3,634 |
| Noninterest income to average assets | 0.6272% | 3,363 |
| Noninterest expense to average assets | 2.9415% | 4,008 |
| Loan and lease loss provision to assets | 0.0281% | 6,572 |
| Net operating income to assets | 1.0663% | 2,081 |
| Return on assets (ROA) | 0.9235% | 2,739 |
| Pretax return on assets | 0.9279% | 3,611 |
| Return on Equity (ROE) | 13.6052% | 1,248 |
| Retained earnings to average equity (ytd only) | 13.6052% | 553 |
| Net charge-offs to loans | -0.0198% | 7,436 |
| Credit loss provision to net charge-offs | -260.0000% | 6,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2163% | 4,154 |
| Assets per employee ($millions) | 3.4885% | 4,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 2,867 |
| Loan loss allowance to noncurrent loans | 288.3895% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 6,148 |
| Noncurrent loans to loans | 0.5270% | 6,101 |
| Net loans and leases to total assets | 53.9669% | 6,470 |
| Net loans and leases to deposits | 58.2851% | 7,016 |
| Net loans and leases to core deposits | 62.2590% | 7,380 |
| Total domestic deposits to total assets | 92.5913% | 112 |
| Equity capital to assets | 6.6899% | 7,814 |
| Core capital (leverage) ratio | 6.9492% | 7,668 |
| Tier 1 risk-based capital ratio | 11.5270% | 5,389 |
| Total risk-based capital ratio | 12.7575% | 5,301 |
| Memoranda: | ||
| Average total assets | $184,941,500 | 3,431 |
| Average earning assets | $168,070,000 | 3,449 |
| Average equity | $12,554,000 | 4,690 |
| Average total loans | $101,102,000 | 4,004 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2649% | 4,157 |
| Cost of funding earning assets | 2.3922% | 4,749 |
| Net interest margin | 3.8726% | 3,695 |
| Noninterest income to average assets | 0.7136% | 3,032 |
| Noninterest expense to average assets | 2.6301% | 5,537 |
| Loan and lease loss provision to assets | 0.0932% | 6,198 |
| Net operating income to assets | 1.5501% | 929 |
| Return on assets (ROA) | -2.3574% | 7,636 |
| Pretax return on assets | -2.3579% | 7,546 |
| Return on Equity (ROE) | -28.3381% | 7,934 |
| Retained earnings to average equity (ytd only) | -35.0838% | 7,990 |
| Net charge-offs to loans | 0.1162% | 5,100 |
| Credit loss provision to net charge-offs | 144.2623% | 3,664 |
| Earnings coverage of net charge-offs (x) | 25.4344% | 1,330 |
| Efficiency ratio | 61.0333% | 6,153 |
| Assets per employee ($millions) | 3.4904% | 4,695 |
| Cash dividends to net income (ytd only)* | -23.8042% | 7,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 2,632 |
| Loan loss allowance to noncurrent loans | 409.1398% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 5,808 |
| Noncurrent loans to loans | 0.3687% | 6,257 |
| Net loans and leases to total assets | 53.7115% | 6,686 |
| Net loans and leases to deposits | 58.0633% | 7,200 |
| Net loans and leases to core deposits | 63.7156% | 7,456 |
| Total domestic deposits to total assets | 92.5051% | 83 |
| Equity capital to assets | 6.8862% | 7,788 |
| Core capital (leverage) ratio | 6.6560% | 7,870 |
| Tier 1 risk-based capital ratio | 11.2735% | 5,465 |
| Total risk-based capital ratio | 12.4978% | 5,376 |
| Memoranda: | ||
| Average total assets | $188,893,600 | 3,283 |
| Average earning assets | $173,602,400 | 3,275 |
| Average equity | $15,713,800 | 3,987 |
| Average total loans | $105,021,000 | 3,826 |