Home > The Eastern Colorado Bank > Performance and Condition Ratios
The Eastern Colorado Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5120% | 1,138 |
| Cost of funding earning assets | 1.5241% | 1,879 |
| Net interest margin | 3.9879% | 1,227 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.3867% | 2,631 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.4421% | 1,131 |
| Return on assets (ROA) | 1.4136% | 1,165 |
| Pretax return on assets | 1.4163% | 1,600 |
| Return on Equity (ROE) | 13.8800% | 1,505 |
| Retained earnings to average equity (ytd only) | 6.7114% | 1,983 |
| Net charge-offs to loans | -0.0018% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.1023% | 2,960 |
| Assets per employee ($millions) | 8.3512% | 1,248 |
| Cash dividends to net income (ytd only)* | 51.6410% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 1,487 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 67.7700% | 2,065 |
| Net loans and leases to deposits | 77.9217% | 2,273 |
| Net loans and leases to core deposits | 92.8779% | 1,852 |
| Total domestic deposits to total assets | 86.9800% | 1,691 |
| Equity capital to assets | 10.1935% | 1,899 |
| Core capital (leverage) ratio | 10.6746% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0362% | 1,856 |
| Memoranda: | ||
| Average total assets | $616,448,200 | 1,447 |
| Average earning assets | $550,870,000 | 1,491 |
| Average equity | $62,788,400 | 1,350 |
| Average total loans | $435,337,200 | 1,382 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4437% | 1,078 |
| Cost of funding earning assets | 1.3732% | 1,940 |
| Net interest margin | 4.0705% | 1,119 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.3126% | 2,750 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.5957% | 944 |
| Return on assets (ROA) | 1.5502% | 1,014 |
| Pretax return on assets | 1.5530% | 1,461 |
| Return on Equity (ROE) | 15.2200% | 1,411 |
| Retained earnings to average equity (ytd only) | 7.7080% | 2,073 |
| Net charge-offs to loans | -0.0061% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.0069% | 3,203 |
| Assets per employee ($millions) | 8.2190% | 1,248 |
| Cash dividends to net income (ytd only)* | 49.3653% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 1,475 |
| Loan loss allowance to noncurrent loans | 836.6434% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 2,804 |
| Noncurrent loans to loans | 0.1664% | 2,707 |
| Net loans and leases to total assets | 67.8300% | 2,062 |
| Net loans and leases to deposits | 77.0272% | 2,332 |
| Net loans and leases to core deposits | 89.7155% | 1,946 |
| Total domestic deposits to total assets | 88.0600% | 1,549 |
| Equity capital to assets | 10.0025% | 1,830 |
| Core capital (leverage) ratio | 10.8144% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1843% | 1,825 |
| Memoranda: | ||
| Average total assets | $609,800,500 | 1,457 |
| Average earning assets | $545,272,500 | 1,511 |
| Average equity | $62,098,500 | 1,351 |
| Average total loans | $433,699,500 | 1,379 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3221% | 1,051 |
| Cost of funding earning assets | 1.2090% | 1,956 |
| Net interest margin | 4.1130% | 1,067 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.2872% | 2,849 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.6645% | 844 |
| Return on assets (ROA) | 1.6778% | 824 |
| Pretax return on assets | 1.6807% | 1,255 |
| Return on Equity (ROE) | 16.3800% | 1,204 |
| Retained earnings to average equity (ytd only) | 8.3071% | 1,873 |
| Net charge-offs to loans | -0.0110% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.7379% | 3,329 |
| Assets per employee ($millions) | 7.6935% | 1,475 |
| Cash dividends to net income (ytd only)* | 49.2708% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 1,711 |
| Loan loss allowance to noncurrent loans | 4,558.9147% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 3,615 |
| Noncurrent loans to loans | 0.0296% | 3,537 |
| Net loans and leases to total assets | 69.8200% | 1,764 |
| Net loans and leases to deposits | 79.4889% | 2,017 |
| Net loans and leases to core deposits | 90.9149% | 1,742 |
| Total domestic deposits to total assets | 87.8400% | 1,663 |
| Equity capital to assets | 10.2917% | 1,692 |
| Core capital (leverage) ratio | 10.7967% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9317% | 1,926 |
| Memoranda: | ||
| Average total assets | $604,853,667 | 1,464 |
| Average earning assets | $541,256,000 | 1,523 |
| Average equity | $61,971,333 | 1,353 |
| Average total loans | $435,046,000 | 1,359 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2267% | 917 |
| Cost of funding earning assets | 1.0489% | 1,885 |
| Net interest margin | 4.1778% | 986 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.3171% | 2,773 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.7313% | 774 |
| Return on assets (ROA) | 1.7587% | 727 |
| Pretax return on assets | 1.7587% | 1,149 |
| Return on Equity (ROE) | 17.2000% | 1,142 |
| Retained earnings to average equity (ytd only) | 7.4145% | 2,386 |
| Net charge-offs to loans | -0.0386% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.1639% | 3,395 |
| Assets per employee ($millions) | 7.7867% | 1,466 |
| Cash dividends to net income (ytd only)* | 56.9044% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 1,770 |
| Loan loss allowance to noncurrent loans | 3,914.8649% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,547 |
| Noncurrent loans to loans | 0.0348% | 3,495 |
| Net loans and leases to total assets | 69.0300% | 1,726 |
| Net loans and leases to deposits | 78.2714% | 1,943 |
| Net loans and leases to core deposits | 89.6006% | 1,640 |
| Total domestic deposits to total assets | 88.1900% | 1,859 |
| Equity capital to assets | 10.2217% | 1,712 |
| Core capital (leverage) ratio | 10.6278% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8491% | 2,030 |
| Memoranda: | ||
| Average total assets | $599,542,500 | 1,502 |
| Average earning assets | $536,555,500 | 1,546 |
| Average equity | $61,285,500 | 1,377 |
| Average total loans | $434,758,000 | 1,370 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4555% | 788 |
| Cost of funding earning assets | 0.3643% | 2,371 |
| Net interest margin | 4.0913% | 669 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.3018% | 2,729 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.5899% | 708 |
| Return on assets (ROA) | 1.5515% | 746 |
| Pretax return on assets | 1.5544% | 1,281 |
| Return on Equity (ROE) | 14.6900% | 1,345 |
| Retained earnings to average equity (ytd only) | 5.4683% | 2,848 |
| Net charge-offs to loans | -0.0226% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.9241% | 3,349 |
| Assets per employee ($millions) | 7.5862% | 1,560 |
| Cash dividends to net income (ytd only)* | 62.7822% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 2,040 |
| Loan loss allowance to noncurrent loans | 4,182.9630% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 3,607 |
| Noncurrent loans to loans | 0.0304% | 3,570 |
| Net loans and leases to total assets | 74.1600% | 1,202 |
| Net loans and leases to deposits | 84.5403% | 1,416 |
| Net loans and leases to core deposits | 96.5503% | 1,173 |
| Total domestic deposits to total assets | 87.7200% | 2,171 |
| Equity capital to assets | 10.2224% | 1,598 |
| Core capital (leverage) ratio | 10.7204% | 2,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3032% | 2,236 |
| Memoranda: | ||
| Average total assets | $585,193,200 | 1,521 |
| Average earning assets | $525,412,400 | 1,566 |
| Average equity | $61,792,600 | 1,370 |
| Average total loans | $424,777,000 | 1,325 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 730 |
| Cost of funding earning assets | 0.2899% | 2,281 |
| Net interest margin | 4.0121% | 629 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.2649% | 2,732 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.5212% | 802 |
| Return on assets (ROA) | 1.5395% | 744 |
| Pretax return on assets | 1.5424% | 1,296 |
| Return on Equity (ROE) | 14.4600% | 1,304 |
| Retained earnings to average equity (ytd only) | 8.0231% | 1,990 |
| Net charge-offs to loans | -0.0311% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.5499% | 3,318 |
| Assets per employee ($millions) | 7.3105% | 1,739 |
| Cash dividends to net income (ytd only)* | 44.5236% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 2,048 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 3,487 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 72.4300% | 1,240 |
| Net loans and leases to deposits | 82.4512% | 1,410 |
| Net loans and leases to core deposits | 93.3111% | 1,128 |
| Total domestic deposits to total assets | 87.8400% | 2,473 |
| Equity capital to assets | 10.0542% | 1,588 |
| Core capital (leverage) ratio | 10.7602% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5703% | 2,231 |
| Memoranda: | ||
| Average total assets | $583,561,500 | 1,533 |
| Average earning assets | $524,733,250 | 1,581 |
| Average equity | $62,118,750 | 1,377 |
| Average total loans | $419,852,000 | 1,330 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1536% | 697 |
| Cost of funding earning assets | 0.2696% | 2,031 |
| Net interest margin | 3.8840% | 626 |
| Noninterest income to average assets | 0.2363% | 3,761 |
| Noninterest expense to average assets | 2.1453% | 3,019 |
| Loan and lease loss provision to assets | 0.0617% | 1,486 |
| Net operating income to assets | 1.5238% | 664 |
| Return on assets (ROA) | 1.5389% | 620 |
| Pretax return on assets | 1.5424% | 1,062 |
| Return on Equity (ROE) | 14.1938% | 1,065 |
| Retained earnings to average equity (ytd only) | 4.7039% | 2,813 |
| Net charge-offs to loans | -0.0398% | 4,152 |
| Credit loss provision to net charge-offs | -216.8675% | 3,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1730% | 3,659 |
| Assets per employee ($millions) | 7.3823% | 1,680 |
| Cash dividends to net income (ytd only)* | 66.8598% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 2,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 3,569 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 70.6828% | 1,237 |
| Net loans and leases to deposits | 81.8628% | 1,255 |
| Net loans and leases to core deposits | 92.5495% | 990 |
| Total domestic deposits to total assets | 86.3429% | 3,159 |
| Equity capital to assets | 9.7926% | 1,825 |
| Core capital (leverage) ratio | 10.5073% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3624% | 2,352 |
| Memoranda: | ||
| Average total assets | $583,135,667 | 1,539 |
| Average earning assets | $525,184,000 | 1,599 |
| Average equity | $63,224,667 | 1,389 |
| Average total loans | $416,755,000 | 1,333 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 660 |
| Cost of funding earning assets | 0.2561% | 2,083 |
| Net interest margin | 3.8242% | 607 |
| Noninterest income to average assets | 0.2761% | 3,488 |
| Noninterest expense to average assets | 2.2188% | 2,787 |
| Loan and lease loss provision to assets | 0.0621% | 1,301 |
| Net operating income to assets | 1.4332% | 738 |
| Return on assets (ROA) | 1.4332% | 736 |
| Pretax return on assets | 1.4380% | 1,154 |
| Return on Equity (ROE) | 12.5970% | 1,130 |
| Retained earnings to average equity (ytd only) | 3.4951% | 3,120 |
| Net charge-offs to loans | -0.0735% | 4,383 |
| Credit loss provision to net charge-offs | -118.4211% | 2,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3837% | 3,546 |
| Assets per employee ($millions) | 7.2176% | 1,843 |
| Cash dividends to net income (ytd only)* | 72.2543% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 3,409 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 71.1760% | 908 |
| Net loans and leases to deposits | 82.6094% | 970 |
| Net loans and leases to core deposits | 92.2343% | 802 |
| Total domestic deposits to total assets | 86.1597% | 3,209 |
| Equity capital to assets | 10.8459% | 1,411 |
| Core capital (leverage) ratio | 10.5909% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2193% | 2,518 |
| Memoranda: | ||
| Average total assets | $579,413,000 | 1,559 |
| Average earning assets | $521,629,500 | 1,610 |
| Average equity | $65,920,500 | 1,393 |
| Average total loans | $413,686,000 | 1,336 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 883 |
| Cost of funding earning assets | 0.3362% | 2,060 |
| Net interest margin | 3.9392% | 800 |
| Noninterest income to average assets | 0.3138% | 3,527 |
| Noninterest expense to average assets | 2.3057% | 2,778 |
| Loan and lease loss provision to assets | 0.0218% | 2,636 |
| Net operating income to assets | 1.5789% | 862 |
| Return on assets (ROA) | 1.6524% | 740 |
| Pretax return on assets | 1.6589% | 1,248 |
| Return on Equity (ROE) | 13.2575% | 1,383 |
| Retained earnings to average equity (ytd only) | 2.1658% | 3,933 |
| Net charge-offs to loans | -0.0448% | 4,279 |
| Credit loss provision to net charge-offs | -74.0741% | 3,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5999% | 3,348 |
| Assets per employee ($millions) | 7.1775% | 1,804 |
| Cash dividends to net income (ytd only)* | 83.6636% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 2,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 3,504 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 69.7860% | 1,067 |
| Net loans and leases to deposits | 81.7067% | 1,088 |
| Net loans and leases to core deposits | 90.3165% | 959 |
| Total domestic deposits to total assets | 85.4104% | 3,128 |
| Equity capital to assets | 11.9180% | 1,289 |
| Core capital (leverage) ratio | 10.7993% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7020% | 2,361 |
| Memoranda: | ||
| Average total assets | $549,761,800 | 1,576 |
| Average earning assets | $502,306,800 | 1,601 |
| Average equity | $68,519,800 | 1,376 |
| Average total loans | $361,663,600 | 1,486 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 896 |
| Cost of funding earning assets | 0.3535% | 2,085 |
| Net interest margin | 3.9894% | 810 |
| Noninterest income to average assets | 0.2977% | 3,660 |
| Noninterest expense to average assets | 2.2980% | 2,761 |
| Loan and lease loss provision to assets | 0.0294% | 2,412 |
| Net operating income to assets | 1.6218% | 981 |
| Return on assets (ROA) | 1.7067% | 855 |
| Pretax return on assets | 1.7145% | 1,377 |
| Return on Equity (ROE) | 13.5370% | 1,542 |
| Retained earnings to average equity (ytd only) | 4.5888% | 3,375 |
| Net charge-offs to loans | -0.0574% | 4,412 |
| Credit loss provision to net charge-offs | -79.4702% | 3,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7440% | 3,312 |
| Assets per employee ($millions) | 7.1727% | 1,752 |
| Cash dividends to net income (ytd only)* | 66.1015% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 2,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 3,672 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 65.0046% | 1,654 |
| Net loans and leases to deposits | 76.6105% | 1,611 |
| Net loans and leases to core deposits | 85.1158% | 1,344 |
| Total domestic deposits to total assets | 84.8507% | 3,165 |
| Equity capital to assets | 12.5260% | 1,162 |
| Core capital (leverage) ratio | 11.2040% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0813% | 1,942 |
| Memoranda: | ||
| Average total assets | $543,652,750 | 1,597 |
| Average earning assets | $498,675,500 | 1,621 |
| Average equity | $68,541,500 | 1,388 |
| Average total loans | $350,604,250 | 1,544 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4468% | 791 |
| Cost of funding earning assets | 0.3769% | 2,074 |
| Net interest margin | 4.0699% | 735 |
| Noninterest income to average assets | 0.2712% | 3,779 |
| Noninterest expense to average assets | 2.3214% | 2,696 |
| Loan and lease loss provision to assets | 0.0446% | 2,122 |
| Net operating income to assets | 1.6537% | 944 |
| Return on assets (ROA) | 1.7467% | 850 |
| Pretax return on assets | 1.7575% | 1,335 |
| Return on Equity (ROE) | 13.8235% | 1,470 |
| Retained earnings to average equity (ytd only) | 3.8278% | 3,576 |
| Net charge-offs to loans | -0.0517% | 4,389 |
| Credit loss provision to net charge-offs | -134.8315% | 3,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2877% | 3,365 |
| Assets per employee ($millions) | 6.7651% | 1,972 |
| Cash dividends to net income (ytd only)* | 72.3097% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 1,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 3,636 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 63.8900% | 1,961 |
| Net loans and leases to deposits | 75.5231% | 1,870 |
| Net loans and leases to core deposits | 85.0375% | 1,490 |
| Total domestic deposits to total assets | 84.5967% | 3,259 |
| Equity capital to assets | 12.7280% | 1,037 |
| Core capital (leverage) ratio | 10.9288% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1021% | 1,597 |
| Memoranda: | ||
| Average total assets | $538,380,333 | 1,606 |
| Average earning assets | $497,167,333 | 1,610 |
| Average equity | $68,029,000 | 1,385 |
| Average total loans | $344,518,667 | 1,576 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6637% | 596 |
| Cost of funding earning assets | 0.3956% | 2,135 |
| Net interest margin | 4.2682% | 546 |
| Noninterest income to average assets | 0.2890% | 3,680 |
| Noninterest expense to average assets | 2.2370% | 2,982 |
| Loan and lease loss provision to assets | 0.0894% | 1,480 |
| Net operating income to assets | 1.9092% | 657 |
| Return on assets (ROA) | 1.9092% | 704 |
| Pretax return on assets | 1.9092% | 1,099 |
| Return on Equity (ROE) | 15.1655% | 1,177 |
| Retained earnings to average equity (ytd only) | 2.1479% | 3,981 |
| Net charge-offs to loans | -0.0633% | 4,486 |
| Credit loss provision to net charge-offs | -222.2222% | 2,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5149% | 3,954 |
| Assets per employee ($millions) | 7.0514% | 1,770 |
| Cash dividends to net income (ytd only)* | 85.8369% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 3,768 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 64.0385% | 2,034 |
| Net loans and leases to deposits | 75.4564% | 1,971 |
| Net loans and leases to core deposits | 85.3374% | 1,566 |
| Total domestic deposits to total assets | 84.8683% | 3,155 |
| Equity capital to assets | 12.4699% | 1,093 |
| Core capital (leverage) ratio | 11.2093% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2398% | 1,495 |
| Memoranda: | ||
| Average total assets | $536,967,000 | 1,593 |
| Average earning assets | $496,514,500 | 1,601 |
| Average equity | $67,601,000 | 1,386 |
| Average total loans | $341,330,000 | 1,591 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7325% | 836 |
| Cost of funding earning assets | 0.6473% | 2,012 |
| Net interest margin | 4.0851% | 810 |
| Noninterest income to average assets | 0.2702% | 3,858 |
| Noninterest expense to average assets | 2.4052% | 3,120 |
| Loan and lease loss provision to assets | 0.1682% | 2,284 |
| Net operating income to assets | 1.4606% | 900 |
| Return on assets (ROA) | 1.5305% | 807 |
| Pretax return on assets | 1.5305% | 1,243 |
| Return on Equity (ROE) | 12.8519% | 1,075 |
| Retained earnings to average equity (ytd only) | 6.1298% | 1,741 |
| Net charge-offs to loans | -0.0297% | 4,530 |
| Credit loss provision to net charge-offs | -846.9388% | 4,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2213% | 3,565 |
| Assets per employee ($millions) | 6.8978% | 1,646 |
| Cash dividends to net income (ytd only)* | 52.3040% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 1,696 |
| Loan loss allowance to noncurrent loans | 8,612.2807% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 3,873 |
| Noncurrent loans to loans | 0.0170% | 4,288 |
| Net loans and leases to total assets | 61.2386% | 2,701 |
| Net loans and leases to deposits | 72.5872% | 2,632 |
| Net loans and leases to core deposits | 81.8320% | 2,208 |
| Total domestic deposits to total assets | 84.3655% | 2,995 |
| Equity capital to assets | 12.7085% | 1,227 |
| Core capital (leverage) ratio | 11.3510% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7101% | 1,336 |
| Memoranda: | ||
| Average total assets | $493,427,400 | 1,568 |
| Average earning assets | $454,624,600 | 1,583 |
| Average equity | $58,761,800 | 1,474 |
| Average total loans | $329,962,400 | 1,580 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8392% | 826 |
| Cost of funding earning assets | 0.6946% | 2,053 |
| Net interest margin | 4.1446% | 815 |
| Noninterest income to average assets | 0.2654% | 3,876 |
| Noninterest expense to average assets | 2.2589% | 3,531 |
| Loan and lease loss provision to assets | 0.2047% | 1,955 |
| Net operating income to assets | 1.6140% | 698 |
| Return on assets (ROA) | 1.7093% | 627 |
| Pretax return on assets | 1.7093% | 951 |
| Return on Equity (ROE) | 14.6274% | 761 |
| Retained earnings to average equity (ytd only) | 7.6485% | 1,441 |
| Net charge-offs to loans | -0.0353% | 4,580 |
| Credit loss provision to net charge-offs | -850.5747% | 3,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9936% | 4,038 |
| Assets per employee ($millions) | 7.6428% | 1,146 |
| Cash dividends to net income (ytd only)* | 47.7115% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 1,630 |
| Loan loss allowance to noncurrent loans | 13,737.1429% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 3,937 |
| Noncurrent loans to loans | 0.0104% | 4,405 |
| Net loans and leases to total assets | 63.9623% | 2,775 |
| Net loans and leases to deposits | 76.3400% | 2,718 |
| Net loans and leases to core deposits | 86.8980% | 2,242 |
| Total domestic deposits to total assets | 83.7861% | 2,896 |
| Equity capital to assets | 12.9403% | 1,209 |
| Core capital (leverage) ratio | 11.9571% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5288% | 1,126 |
| Memoranda: | ||
| Average total assets | $482,277,500 | 1,580 |
| Average earning assets | $443,586,250 | 1,596 |
| Average equity | $56,358,500 | 1,507 |
| Average total loans | $328,855,750 | 1,575 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0861% | 705 |
| Cost of funding earning assets | 0.7490% | 2,127 |
| Net interest margin | 4.3371% | 695 |
| Noninterest income to average assets | 0.2635% | 3,891 |
| Noninterest expense to average assets | 2.3836% | 3,297 |
| Loan and lease loss provision to assets | 0.2384% | 1,766 |
| Net operating income to assets | 1.6228% | 725 |
| Return on assets (ROA) | 1.7697% | 587 |
| Pretax return on assets | 1.7697% | 859 |
| Return on Equity (ROE) | 15.7679% | 608 |
| Retained earnings to average equity (ytd only) | 8.3714% | 1,199 |
| Net charge-offs to loans | -0.0429% | 4,644 |
| Credit loss provision to net charge-offs | -800.0000% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7517% | 3,974 |
| Assets per employee ($millions) | 6.9974% | 1,438 |
| Cash dividends to net income (ytd only)* | 46.9088% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 1,761 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 3,649 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 66.7135% | 2,534 |
| Net loans and leases to deposits | 77.9421% | 2,660 |
| Net loans and leases to core deposits | 87.2024% | 2,328 |
| Total domestic deposits to total assets | 85.5937% | 2,167 |
| Equity capital to assets | 11.0624% | 2,284 |
| Core capital (leverage) ratio | 10.2902% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7468% | 1,907 |
| Memoranda: | ||
| Average total assets | $469,800,667 | 1,585 |
| Average earning assets | $431,255,000 | 1,608 |
| Average equity | $52,727,333 | 1,587 |
| Average total loans | $326,066,000 | 1,568 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9460% | 1,073 |
| Cost of funding earning assets | 0.8346% | 2,199 |
| Net interest margin | 4.1113% | 1,114 |
| Noninterest income to average assets | 0.2977% | 3,735 |
| Noninterest expense to average assets | 2.3083% | 3,755 |
| Loan and lease loss provision to assets | 0.1590% | 1,817 |
| Net operating income to assets | 1.5857% | 642 |
| Return on assets (ROA) | 1.8048% | 454 |
| Pretax return on assets | 1.8048% | 689 |
| Return on Equity (ROE) | 15.9535% | 430 |
| Retained earnings to average equity (ytd only) | 8.5351% | 1,092 |
| Net charge-offs to loans | -0.0653% | 4,709 |
| Credit loss provision to net charge-offs | -346.1538% | 3,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5170% | 4,158 |
| Assets per employee ($millions) | 6.4112% | 1,393 |
| Cash dividends to net income (ytd only)* | 46.5002% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 1,983 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 3,693 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 69.3955% | 2,339 |
| Net loans and leases to deposits | 81.9837% | 2,457 |
| Net loans and leases to core deposits | 91.9507% | 2,165 |
| Total domestic deposits to total assets | 84.6455% | 2,549 |
| Equity capital to assets | 11.2120% | 2,667 |
| Core capital (leverage) ratio | 10.6955% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0141% | 1,900 |
| Memoranda: | ||
| Average total assets | $452,794,000 | 1,601 |
| Average earning assets | $413,589,000 | 1,626 |
| Average equity | $51,224,000 | 1,617 |
| Average total loans | $318,737,500 | 1,567 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2567% | 893 |
| Cost of funding earning assets | 0.8425% | 2,475 |
| Net interest margin | 4.4142% | 871 |
| Noninterest income to average assets | 0.3094% | 3,841 |
| Noninterest expense to average assets | 2.5657% | 3,272 |
| Loan and lease loss provision to assets | 0.0573% | 2,884 |
| Net operating income to assets | 1.7115% | 641 |
| Return on assets (ROA) | 1.8846% | 461 |
| Pretax return on assets | 1.8846% | 770 |
| Return on Equity (ROE) | 16.1902% | 517 |
| Retained earnings to average equity (ytd only) | 8.3966% | 860 |
| Net charge-offs to loans | -0.0130% | 4,538 |
| Credit loss provision to net charge-offs | -631.5789% | 4,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6913% | 3,881 |
| Assets per employee ($millions) | 6.4338% | 1,327 |
| Cash dividends to net income (ytd only)* | 48.1378% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 3,680 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 69.5802% | 2,468 |
| Net loans and leases to deposits | 82.2916% | 2,523 |
| Net loans and leases to core deposits | 91.6627% | 2,259 |
| Total domestic deposits to total assets | 84.5532% | 2,662 |
| Equity capital to assets | 11.4120% | 2,608 |
| Core capital (leverage) ratio | 10.6152% | 2,843 |
| Tier 1 risk-based capital ratio | 13.3995% | 3,579 |
| Total risk-based capital ratio | 14.5376% | 3,520 |
| Memoranda: | ||
| Average total assets | $418,872,000 | 1,675 |
| Average earning assets | $381,951,200 | 1,697 |
| Average equity | $48,758,000 | 1,639 |
| Average total loans | $293,320,600 | 1,637 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2159% | 1,008 |
| Cost of funding earning assets | 0.8192% | 2,621 |
| Net interest margin | 4.3967% | 952 |
| Noninterest income to average assets | 0.3179% | 3,848 |
| Noninterest expense to average assets | 2.6048% | 3,160 |
| Loan and lease loss provision to assets | 0.0586% | 2,729 |
| Net operating income to assets | 1.6678% | 791 |
| Return on assets (ROA) | 1.8587% | 579 |
| Pretax return on assets | 1.8587% | 964 |
| Return on Equity (ROE) | 15.8805% | 628 |
| Retained earnings to average equity (ytd only) | 7.9500% | 1,425 |
| Net charge-offs to loans | -0.0517% | 4,846 |
| Credit loss provision to net charge-offs | -162.1622% | 4,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6285% | 3,704 |
| Assets per employee ($millions) | 6.1693% | 1,477 |
| Cash dividends to net income (ytd only)* | 49.9388% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 1,949 |
| Loan loss allowance to noncurrent loans | 3,169.8413% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 3,628 |
| Noncurrent loans to loans | 0.0411% | 4,469 |
| Net loans and leases to total assets | 70.0389% | 2,467 |
| Net loans and leases to deposits | 84.0037% | 2,455 |
| Net loans and leases to core deposits | 93.3369% | 2,238 |
| Total domestic deposits to total assets | 83.3759% | 3,031 |
| Equity capital to assets | 11.8159% | 2,406 |
| Core capital (leverage) ratio | 11.0810% | 2,574 |
| Tier 1 risk-based capital ratio | 13.4064% | 3,631 |
| Total risk-based capital ratio | 14.5844% | 3,565 |
| Memoranda: | ||
| Average total assets | $409,389,750 | 1,723 |
| Average earning assets | $373,691,250 | 1,740 |
| Average equity | $47,915,000 | 1,665 |
| Average total loans | $286,194,750 | 1,674 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2007% | 982 |
| Cost of funding earning assets | 0.7947% | 2,669 |
| Net interest margin | 4.4060% | 930 |
| Noninterest income to average assets | 0.3150% | 3,823 |
| Noninterest expense to average assets | 2.6190% | 3,149 |
| Loan and lease loss provision to assets | 0.0597% | 2,628 |
| Net operating income to assets | 1.6531% | 803 |
| Return on assets (ROA) | 1.8442% | 566 |
| Pretax return on assets | 1.8442% | 941 |
| Return on Equity (ROE) | 15.8114% | 623 |
| Retained earnings to average equity (ytd only) | 7.7052% | 1,520 |
| Net charge-offs to loans | -0.0637% | 4,893 |
| Credit loss provision to net charge-offs | -134.8315% | 3,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9311% | 3,738 |
| Assets per employee ($millions) | 5.5852% | 1,888 |
| Cash dividends to net income (ytd only)* | 51.2682% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 1,802 |
| Loan loss allowance to noncurrent loans | 3,104.7619% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 3,560 |
| Noncurrent loans to loans | 0.0436% | 4,491 |
| Net loans and leases to total assets | 70.9416% | 2,397 |
| Net loans and leases to deposits | 85.5778% | 2,303 |
| Net loans and leases to core deposits | 93.8029% | 2,258 |
| Total domestic deposits to total assets | 82.8971% | 3,241 |
| Equity capital to assets | 12.2947% | 1,992 |
| Core capital (leverage) ratio | 11.0764% | 2,526 |
| Tier 1 risk-based capital ratio | 13.9805% | 3,329 |
| Total risk-based capital ratio | 15.2128% | 3,248 |
| Memoranda: | ||
| Average total assets | $401,903,000 | 1,753 |
| Average earning assets | $366,412,330 | 1,776 |
| Average equity | $46,877,670 | 1,689 |
| Average total loans | $279,440,670 | 1,715 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0281% | 1,269 |
| Cost of funding earning assets | 0.7564% | 2,758 |
| Net interest margin | 4.2717% | 1,146 |
| Noninterest income to average assets | 0.3156% | 3,747 |
| Noninterest expense to average assets | 2.6581% | 3,037 |
| Loan and lease loss provision to assets | 0.0597% | 2,459 |
| Net operating income to assets | 1.4883% | 1,138 |
| Return on assets (ROA) | 1.5909% | 940 |
| Pretax return on assets | 1.5909% | 1,492 |
| Return on Equity (ROE) | 14.0188% | 966 |
| Retained earnings to average equity (ytd only) | 5.6847% | 2,598 |
| Net charge-offs to loans | -0.0306% | 4,653 |
| Credit loss provision to net charge-offs | -285.7143% | 3,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6509% | 3,439 |
| Assets per employee ($millions) | 5.5188% | 1,965 |
| Cash dividends to net income (ytd only)* | 59.4493% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 1,798 |
| Loan loss allowance to noncurrent loans | 842.9844% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 3,272 |
| Noncurrent loans to loans | 0.1621% | 4,018 |
| Net loans and leases to total assets | 67.8018% | 2,779 |
| Net loans and leases to deposits | 81.0211% | 2,725 |
| Net loans and leases to core deposits | 89.2021% | 2,587 |
| Total domestic deposits to total assets | 83.6841% | 3,157 |
| Equity capital to assets | 11.5603% | 2,341 |
| Core capital (leverage) ratio | 10.9218% | 2,645 |
| Tier 1 risk-based capital ratio | 14.0308% | 3,328 |
| Total risk-based capital ratio | 15.2602% | 3,249 |
| Memoranda: | ||
| Average total assets | $401,789,000 | 1,762 |
| Average earning assets | $365,946,500 | 1,792 |
| Average equity | $45,596,000 | 1,717 |
| Average total loans | $274,566,000 | 1,744 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9313% | 1,202 |
| Cost of funding earning assets | 0.6184% | 2,595 |
| Net interest margin | 4.3128% | 1,120 |
| Noninterest income to average assets | 0.3162% | 4,004 |
| Noninterest expense to average assets | 2.6188% | 3,273 |
| Loan and lease loss provision to assets | 0.1528% | 1,387 |
| Net operating income to assets | 1.4651% | 1,221 |
| Return on assets (ROA) | 1.4620% | 1,220 |
| Pretax return on assets | 1.4659% | 1,891 |
| Return on Equity (ROE) | 13.5104% | 1,169 |
| Retained earnings to average equity (ytd only) | 7.8634% | 1,295 |
| Net charge-offs to loans | 0.4659% | 391 |
| Credit loss provision to net charge-offs | 47.8469% | 3,218 |
| Earnings coverage of net charge-offs (x) | 5.0789% | 3,221 |
| Efficiency ratio | 61.1265% | 3,672 |
| Assets per employee ($millions) | 5.7244% | 1,744 |
| Cash dividends to net income (ytd only)* | 41.7973% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 1,791 |
| Loan loss allowance to noncurrent loans | 742.0842% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 3,138 |
| Noncurrent loans to loans | 0.1833% | 3,923 |
| Net loans and leases to total assets | 67.0042% | 3,002 |
| Net loans and leases to deposits | 78.9108% | 3,059 |
| Net loans and leases to core deposits | 84.7154% | 3,021 |
| Total domestic deposits to total assets | 84.9112% | 2,678 |
| Equity capital to assets | 11.1350% | 2,571 |
| Core capital (leverage) ratio | 10.7305% | 2,810 |
| Tier 1 risk-based capital ratio | 13.9854% | 3,292 |
| Total risk-based capital ratio | 15.2031% | 3,238 |
| Memoranda: | ||
| Average total assets | $392,738,200 | 1,748 |
| Average earning assets | $357,353,400 | 1,777 |
| Average equity | $42,500,600 | 1,759 |
| Average total loans | $269,165,600 | 1,733 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 1,164 |
| Cost of funding earning assets | 0.5905% | 2,546 |
| Net interest margin | 4.3065% | 1,102 |
| Noninterest income to average assets | 0.3173% | 4,028 |
| Noninterest expense to average assets | 2.6663% | 3,077 |
| Loan and lease loss provision to assets | 0.2047% | 837 |
| Net operating income to assets | 1.3669% | 1,600 |
| Return on assets (ROA) | 1.3669% | 1,602 |
| Pretax return on assets | 1.3707% | 2,340 |
| Return on Equity (ROE) | 12.7259% | 1,530 |
| Retained earnings to average equity (ytd only) | 6.6902% | 2,285 |
| Net charge-offs to loans | 0.6070% | 240 |
| Credit loss provision to net charge-offs | 49.0998% | 2,837 |
| Earnings coverage of net charge-offs (x) | 3.7782% | 3,124 |
| Efficiency ratio | 62.2235% | 3,476 |
| Assets per employee ($millions) | 5.8952% | 1,579 |
| Cash dividends to net income (ytd only)* | 47.4289% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 1,685 |
| Loan loss allowance to noncurrent loans | 748.4970% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 3,264 |
| Noncurrent loans to loans | 0.1874% | 4,046 |
| Net loans and leases to total assets | 65.4870% | 3,245 |
| Net loans and leases to deposits | 77.3471% | 3,294 |
| Net loans and leases to core deposits | 83.3714% | 3,206 |
| Total domestic deposits to total assets | 84.6664% | 2,731 |
| Equity capital to assets | 10.5375% | 3,107 |
| Core capital (leverage) ratio | 10.3821% | 3,199 |
| Tier 1 risk-based capital ratio | 13.7081% | 3,508 |
| Total risk-based capital ratio | 14.9530% | 3,430 |
| Memoranda: | ||
| Average total assets | $390,745,750 | 1,763 |
| Average earning assets | $356,073,500 | 1,788 |
| Average equity | $41,971,000 | 1,787 |
| Average total loans | $268,408,500 | 1,740 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9326% | 951 |
| Cost of funding earning assets | 0.5467% | 2,630 |
| Net interest margin | 4.3860% | 874 |
| Noninterest income to average assets | 0.3113% | 4,094 |
| Noninterest expense to average assets | 2.6393% | 3,191 |
| Loan and lease loss provision to assets | 0.1033% | 1,884 |
| Net operating income to assets | 1.5618% | 1,005 |
| Return on assets (ROA) | 1.5618% | 1,014 |
| Pretax return on assets | 1.5659% | 1,617 |
| Return on Equity (ROE) | 14.4458% | 970 |
| Retained earnings to average equity (ytd only) | 5.3724% | 2,892 |
| Net charge-offs to loans | 0.1063% | 1,303 |
| Credit loss provision to net charge-offs | 139.8601% | 1,648 |
| Earnings coverage of net charge-offs (x) | 22.6084% | 1,738 |
| Efficiency ratio | 60.6231% | 3,830 |
| Assets per employee ($millions) | 5.3506% | 2,042 |
| Cash dividends to net income (ytd only)* | 62.8099% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6833% | 929 |
| Loan loss allowance to noncurrent loans | 404.2125% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5988% | 2,426 |
| Noncurrent loans to loans | 0.4164% | 3,207 |
| Net loans and leases to total assets | 66.0053% | 3,153 |
| Net loans and leases to deposits | 78.2078% | 3,139 |
| Net loans and leases to core deposits | 85.4033% | 2,976 |
| Total domestic deposits to total assets | 84.3973% | 2,913 |
| Equity capital to assets | 10.7577% | 2,882 |
| Core capital (leverage) ratio | 10.3918% | 3,146 |
| Tier 1 risk-based capital ratio | 13.7494% | 3,479 |
| Total risk-based capital ratio | 15.0023% | 3,389 |
| Memoranda: | ||
| Average total assets | $387,370,330 | 1,781 |
| Average earning assets | $353,036,000 | 1,810 |
| Average equity | $41,880,670 | 1,797 |
| Average total loans | $269,126,670 | 1,738 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8778% | 913 |
| Cost of funding earning assets | 0.4919% | 2,856 |
| Net interest margin | 4.3859% | 794 |
| Noninterest income to average assets | 0.3121% | 4,070 |
| Noninterest expense to average assets | 2.5446% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7596% | 610 |
| Return on assets (ROA) | 1.7596% | 615 |
| Pretax return on assets | 1.7617% | 981 |
| Return on Equity (ROE) | 16.2348% | 585 |
| Retained earnings to average equity (ytd only) | 7.1464% | 2,214 |
| Net charge-offs to loans | -0.1849% | 5,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4638% | 4,288 |
| Assets per employee ($millions) | 5.5960% | 1,849 |
| Cash dividends to net income (ytd only)* | 55.9811% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 1,026 |
| Loan loss allowance to noncurrent loans | 4,927.4725% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 3,437 |
| Noncurrent loans to loans | 0.0337% | 4,817 |
| Net loans and leases to total assets | 68.7242% | 2,667 |
| Net loans and leases to deposits | 81.4079% | 2,638 |
| Net loans and leases to core deposits | 89.8801% | 2,459 |
| Total domestic deposits to total assets | 84.4196% | 3,139 |
| Equity capital to assets | 10.7343% | 2,838 |
| Core capital (leverage) ratio | 10.4955% | 2,947 |
| Tier 1 risk-based capital ratio | 13.5007% | 3,650 |
| Total risk-based capital ratio | 14.7540% | 3,560 |
| Memoranda: | ||
| Average total assets | $385,759,000 | 1,794 |
| Average earning assets | $351,308,500 | 1,829 |
| Average equity | $41,811,500 | 1,803 |
| Average total loans | $272,577,000 | 1,726 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8506% | 891 |
| Cost of funding earning assets | 0.4095% | 3,166 |
| Net interest margin | 4.4411% | 699 |
| Noninterest income to average assets | 0.3114% | 4,229 |
| Noninterest expense to average assets | 2.5542% | 3,590 |
| Loan and lease loss provision to assets | 0.0956% | 2,293 |
| Net operating income to assets | 1.7498% | 479 |
| Return on assets (ROA) | 1.7684% | 467 |
| Pretax return on assets | 1.7713% | 857 |
| Return on Equity (ROE) | 16.4223% | 436 |
| Retained earnings to average equity (ytd only) | 6.4372% | 1,309 |
| Net charge-offs to loans | -0.1804% | 5,507 |
| Credit loss provision to net charge-offs | -73.6196% | 4,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2695% | 4,618 |
| Assets per employee ($millions) | 5.5056% | 1,929 |
| Cash dividends to net income (ytd only)* | 60.8017% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 1,176 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 3,475 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 70.3053% | 2,479 |
| Net loans and leases to deposits | 83.6860% | 2,527 |
| Net loans and leases to core deposits | 92.3843% | 2,337 |
| Total domestic deposits to total assets | 84.0108% | 3,204 |
| Equity capital to assets | 10.9434% | 2,683 |
| Core capital (leverage) ratio | 10.3577% | 3,007 |
| Tier 1 risk-based capital ratio | 13.2391% | 3,765 |
| Total risk-based capital ratio | 14.4919% | 3,694 |
| Memoranda: | ||
| Average total assets | $376,671,200 | 1,799 |
| Average earning assets | $346,985,600 | 1,810 |
| Average equity | $40,560,800 | 1,837 |
| Average total loans | $271,130,800 | 1,705 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7801% | 963 |
| Cost of funding earning assets | 0.3966% | 3,235 |
| Net interest margin | 4.3835% | 752 |
| Noninterest income to average assets | 0.3190% | 4,253 |
| Noninterest expense to average assets | 2.4206% | 3,964 |
| Loan and lease loss provision to assets | 0.1282% | 1,690 |
| Net operating income to assets | 1.8161% | 454 |
| Return on assets (ROA) | 1.8389% | 441 |
| Pretax return on assets | 1.8421% | 801 |
| Return on Equity (ROE) | 17.1488% | 403 |
| Retained earnings to average equity (ytd only) | 7.8523% | 1,281 |
| Net charge-offs to loans | -0.0049% | 4,456 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6581% | 4,886 |
| Assets per employee ($millions) | 5.4879% | 1,934 |
| Cash dividends to net income (ytd only)* | 54.2111% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 1,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 3,602 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 71.2207% | 2,374 |
| Net loans and leases to deposits | 85.8174% | 2,318 |
| Net loans and leases to core deposits | 96.0859% | 2,061 |
| Total domestic deposits to total assets | 82.9909% | 3,454 |
| Equity capital to assets | 11.0151% | 2,850 |
| Core capital (leverage) ratio | 10.3599% | 3,126 |
| Tier 1 risk-based capital ratio | 13.0557% | 3,970 |
| Total risk-based capital ratio | 14.3062% | 3,881 |
| Memoranda: | ||
| Average total assets | $374,491,000 | 1,823 |
| Average earning assets | $345,922,000 | 1,830 |
| Average equity | $40,157,250 | 1,869 |
| Average total loans | $270,086,500 | 1,718 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 951 |
| Cost of funding earning assets | 0.3812% | 3,276 |
| Net interest margin | 4.3763% | 731 |
| Noninterest income to average assets | 0.2930% | 4,453 |
| Noninterest expense to average assets | 2.4704% | 3,848 |
| Loan and lease loss provision to assets | 0.1293% | 1,609 |
| Net operating income to assets | 1.7281% | 529 |
| Return on assets (ROA) | 1.7459% | 519 |
| Pretax return on assets | 1.7491% | 947 |
| Return on Equity (ROE) | 16.4359% | 467 |
| Retained earnings to average equity (ytd only) | 7.0541% | 1,572 |
| Net charge-offs to loans | -0.0306% | 4,965 |
| Credit loss provision to net charge-offs | -585.3659% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2687% | 4,799 |
| Assets per employee ($millions) | 5.1025% | 2,273 |
| Cash dividends to net income (ytd only)* | 57.0811% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 1,864 |
| Loan loss allowance to noncurrent loans | 15,156.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.6553% | 2,585 |
| Noncurrent loans to loans | 0.0094% | 5,148 |
| Net loans and leases to total assets | 70.6397% | 2,421 |
| Net loans and leases to deposits | 83.8694% | 2,500 |
| Net loans and leases to core deposits | 91.9418% | 2,342 |
| Total domestic deposits to total assets | 84.2258% | 3,116 |
| Equity capital to assets | 11.1337% | 2,669 |
| Core capital (leverage) ratio | 10.3113% | 3,130 |
| Tier 1 risk-based capital ratio | 12.9364% | 4,042 |
| Total risk-based capital ratio | 14.1868% | 3,959 |
| Memoranda: | ||
| Average total assets | $371,270,000 | 1,843 |
| Average earning assets | $342,574,000 | 1,848 |
| Average equity | $39,438,000 | 1,897 |
| Average total loans | $267,624,000 | 1,732 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 1,002 |
| Cost of funding earning assets | 0.3735% | 3,271 |
| Net interest margin | 4.2910% | 808 |
| Noninterest income to average assets | 0.2698% | 4,610 |
| Noninterest expense to average assets | 2.4259% | 4,042 |
| Loan and lease loss provision to assets | 0.1295% | 1,483 |
| Net operating income to assets | 1.6673% | 586 |
| Return on assets (ROA) | 1.6716% | 599 |
| Pretax return on assets | 1.6738% | 1,063 |
| Return on Equity (ROE) | 16.1264% | 513 |
| Retained earnings to average equity (ytd only) | 6.7566% | 1,949 |
| Net charge-offs to loans | -0.0269% | 4,875 |
| Credit loss provision to net charge-offs | -666.6667% | 4,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6284% | 4,872 |
| Assets per employee ($millions) | 5.2687% | 2,114 |
| Cash dividends to net income (ytd only)* | 58.1020% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 2,325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 2,690 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 71.5213% | 2,137 |
| Net loans and leases to deposits | 87.0108% | 1,910 |
| Net loans and leases to core deposits | 95.5140% | 1,852 |
| Total domestic deposits to total assets | 82.1982% | 4,110 |
| Equity capital to assets | 10.4160% | 3,275 |
| Core capital (leverage) ratio | 10.0866% | 3,390 |
| Tier 1 risk-based capital ratio | 12.6574% | 4,288 |
| Total risk-based capital ratio | 13.9073% | 4,192 |
| Memoranda: | ||
| Average total assets | $370,664,000 | 1,858 |
| Average earning assets | $341,645,500 | 1,863 |
| Average equity | $38,421,500 | 1,941 |
| Average total loans | $267,981,500 | 1,738 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 1,160 |
| Cost of funding earning assets | 0.3550% | 3,463 |
| Net interest margin | 4.2987% | 933 |
| Noninterest income to average assets | 0.2824% | 4,722 |
| Noninterest expense to average assets | 2.6077% | 3,653 |
| Loan and lease loss provision to assets | 0.0821% | 2,718 |
| Net operating income to assets | 1.5486% | 765 |
| Return on assets (ROA) | 1.6151% | 681 |
| Pretax return on assets | 1.6184% | 1,222 |
| Return on Equity (ROE) | 15.2058% | 602 |
| Retained earnings to average equity (ytd only) | 8.5083% | 700 |
| Net charge-offs to loans | -0.0120% | 4,986 |
| Credit loss provision to net charge-offs | -967.7419% | 5,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5625% | 4,496 |
| Assets per employee ($millions) | 5.5644% | 1,815 |
| Cash dividends to net income (ytd only)* | 44.0454% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6641% | 2,727 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.1405% | 2,314 |
| Net loans and leases to deposits | 83.9129% | 2,427 |
| Net loans and leases to core deposits | 91.6252% | 2,335 |
| Total domestic deposits to total assets | 84.7790% | 3,141 |
| Equity capital to assets | 10.3143% | 3,372 |
| Core capital (leverage) ratio | 9.9934% | 3,488 |
| Tier 1 risk-based capital ratio | 12.4595% | 4,395 |
| Total risk-based capital ratio | 13.6626% | 4,320 |
| Memoranda: | ||
| Average total assets | $365,495,400 | 1,828 |
| Average earning assets | $336,633,800 | 1,843 |
| Average equity | $38,820,800 | 1,890 |
| Average total loans | $258,330,200 | 1,746 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 1,177 |
| Cost of funding earning assets | 0.3535% | 3,501 |
| Net interest margin | 4.2997% | 929 |
| Noninterest income to average assets | 0.2787% | 4,777 |
| Noninterest expense to average assets | 2.5497% | 3,830 |
| Loan and lease loss provision to assets | 0.0822% | 2,564 |
| Net operating income to assets | 1.6056% | 720 |
| Return on assets (ROA) | 1.6943% | 636 |
| Pretax return on assets | 1.6980% | 1,120 |
| Return on Equity (ROE) | 15.8366% | 562 |
| Retained earnings to average equity (ytd only) | 10.0331% | 569 |
| Net charge-offs to loans | -0.0737% | 5,484 |
| Credit loss provision to net charge-offs | -158.4507% | 4,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2146% | 4,660 |
| Assets per employee ($millions) | 5.5313% | 1,826 |
| Cash dividends to net income (ytd only)* | 36.6458% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 2,433 |
| Loan loss allowance to noncurrent loans | 6,686.7925% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 2,884 |
| Noncurrent loans to loans | 0.0202% | 5,310 |
| Net loans and leases to total assets | 69.8190% | 2,516 |
| Net loans and leases to deposits | 84.7940% | 2,393 |
| Net loans and leases to core deposits | 92.8028% | 2,304 |
| Total domestic deposits to total assets | 82.3396% | 3,830 |
| Equity capital to assets | 10.9437% | 3,068 |
| Core capital (leverage) ratio | 9.8057% | 3,803 |
| Tier 1 risk-based capital ratio | 12.3705% | 4,558 |
| Total risk-based capital ratio | 13.5946% | 4,480 |
| Memoranda: | ||
| Average total assets | $365,057,250 | 1,840 |
| Average earning assets | $336,419,250 | 1,849 |
| Average equity | $39,056,250 | 1,889 |
| Average total loans | $256,720,250 | 1,757 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6711% | 1,114 |
| Cost of funding earning assets | 0.3498% | 3,569 |
| Net interest margin | 4.3213% | 884 |
| Noninterest income to average assets | 0.2676% | 4,871 |
| Noninterest expense to average assets | 2.5880% | 3,762 |
| Loan and lease loss provision to assets | 0.0826% | 2,485 |
| Net operating income to assets | 1.5726% | 769 |
| Return on assets (ROA) | 1.6316% | 717 |
| Pretax return on assets | 1.6354% | 1,267 |
| Return on Equity (ROE) | 15.3699% | 628 |
| Retained earnings to average equity (ytd only) | 11.2200% | 412 |
| Net charge-offs to loans | -0.1036% | 5,637 |
| Credit loss provision to net charge-offs | -113.6364% | 4,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0415% | 4,633 |
| Assets per employee ($millions) | 5.2577% | 2,027 |
| Cash dividends to net income (ytd only)* | 26.9997% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 2,679 |
| Loan loss allowance to noncurrent loans | 3,459.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 2,929 |
| Noncurrent loans to loans | 0.0381% | 5,312 |
| Net loans and leases to total assets | 69.3121% | 2,582 |
| Net loans and leases to deposits | 82.8124% | 2,616 |
| Net loans and leases to core deposits | 90.6959% | 2,468 |
| Total domestic deposits to total assets | 83.6977% | 3,385 |
| Equity capital to assets | 10.7890% | 3,299 |
| Core capital (leverage) ratio | 9.6452% | 4,004 |
| Tier 1 risk-based capital ratio | 12.1565% | 4,725 |
| Total risk-based capital ratio | 13.3574% | 4,677 |
| Memoranda: | ||
| Average total assets | $363,210,330 | 1,848 |
| Average earning assets | $334,480,000 | 1,858 |
| Average equity | $38,556,000 | 1,911 |
| Average total loans | $254,863,000 | 1,771 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 1,249 |
| Cost of funding earning assets | 0.3498% | 3,600 |
| Net interest margin | 4.2565% | 984 |
| Noninterest income to average assets | 0.2613% | 4,862 |
| Noninterest expense to average assets | 2.5832% | 3,802 |
| Loan and lease loss provision to assets | 0.0838% | 2,278 |
| Net operating income to assets | 1.5077% | 837 |
| Return on assets (ROA) | 1.5490% | 821 |
| Pretax return on assets | 1.5501% | 1,438 |
| Return on Equity (ROE) | 14.7175% | 715 |
| Retained earnings to average equity (ytd only) | 10.4731% | 747 |
| Net charge-offs to loans | -0.2054% | 5,857 |
| Credit loss provision to net charge-offs | -58.1395% | 4,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0056% | 4,601 |
| Assets per employee ($millions) | 5.5542% | 1,791 |
| Cash dividends to net income (ytd only)* | 28.8392% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 2,700 |
| Loan loss allowance to noncurrent loans | 4,695.8333% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 3,431 |
| Noncurrent loans to loans | 0.0286% | 5,379 |
| Net loans and leases to total assets | 67.8675% | 2,664 |
| Net loans and leases to deposits | 80.8469% | 2,690 |
| Net loans and leases to core deposits | 88.7017% | 2,488 |
| Total domestic deposits to total assets | 83.9458% | 3,540 |
| Equity capital to assets | 10.4598% | 3,549 |
| Core capital (leverage) ratio | 9.4791% | 4,233 |
| Tier 1 risk-based capital ratio | 12.1555% | 4,808 |
| Total risk-based capital ratio | 13.3708% | 4,739 |
| Memoranda: | ||
| Average total assets | $358,167,000 | 1,871 |
| Average earning assets | $329,376,500 | 1,886 |
| Average equity | $37,696,500 | 1,953 |
| Average total loans | $251,195,000 | 1,792 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5080% | 1,565 |
| Cost of funding earning assets | 0.3306% | 3,904 |
| Net interest margin | 4.1775% | 1,216 |
| Noninterest income to average assets | 0.2781% | 4,895 |
| Noninterest expense to average assets | 2.5291% | 4,132 |
| Loan and lease loss provision to assets | 0.0975% | 2,365 |
| Net operating income to assets | 1.4960% | 870 |
| Return on assets (ROA) | 1.5480% | 812 |
| Pretax return on assets | 1.5515% | 1,401 |
| Return on Equity (ROE) | 14.9548% | 690 |
| Retained earnings to average equity (ytd only) | 5.9814% | 1,799 |
| Net charge-offs to loans | -0.1527% | 5,901 |
| Credit loss provision to net charge-offs | -93.8547% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2110% | 4,881 |
| Assets per employee ($millions) | 5.5517% | 1,734 |
| Cash dividends to net income (ytd only)* | 60.0038% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 3,068 |
| Loan loss allowance to noncurrent loans | 7,564.2857% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 3,403 |
| Noncurrent loans to loans | 0.0168% | 5,458 |
| Net loans and leases to total assets | 70.6334% | 2,273 |
| Net loans and leases to deposits | 88.4610% | 1,815 |
| Net loans and leases to core deposits | 99.3773% | 1,562 |
| Total domestic deposits to total assets | 79.8469% | 4,780 |
| Equity capital to assets | 10.5930% | 3,259 |
| Core capital (leverage) ratio | 9.5964% | 4,051 |
| Tier 1 risk-based capital ratio | 11.9452% | 4,989 |
| Total risk-based capital ratio | 13.0941% | 4,964 |
| Memoranda: | ||
| Average total assets | $344,513,400 | 1,894 |
| Average earning assets | $317,346,600 | 1,907 |
| Average equity | $35,660,800 | 1,996 |
| Average total loans | $234,462,600 | 1,842 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 1,717 |
| Cost of funding earning assets | 0.3252% | 4,045 |
| Net interest margin | 4.1385% | 1,306 |
| Noninterest income to average assets | 0.2731% | 4,984 |
| Noninterest expense to average assets | 2.4611% | 4,312 |
| Loan and lease loss provision to assets | 0.0874% | 2,404 |
| Net operating income to assets | 1.5372% | 870 |
| Return on assets (ROA) | 1.6076% | 785 |
| Pretax return on assets | 1.6114% | 1,347 |
| Return on Equity (ROE) | 15.6235% | 644 |
| Retained earnings to average equity (ytd only) | 6.5620% | 1,913 |
| Net charge-offs to loans | -0.2250% | 6,020 |
| Credit loss provision to net charge-offs | -57.8406% | 4,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0862% | 4,999 |
| Assets per employee ($millions) | 5.5841% | 1,701 |
| Cash dividends to net income (ytd only)* | 57.9990% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 3,425 |
| Loan loss allowance to noncurrent loans | 1,317.8723% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.6254% | 3,392 |
| Noncurrent loans to loans | 0.0941% | 5,251 |
| Net loans and leases to total assets | 70.0771% | 2,371 |
| Net loans and leases to deposits | 94.0879% | 1,193 |
| Net loans and leases to core deposits | 100.5482% | 1,472 |
| Total domestic deposits to total assets | 74.4805% | 5,667 |
| Equity capital to assets | 10.3094% | 3,803 |
| Core capital (leverage) ratio | 9.5514% | 4,236 |
| Tier 1 risk-based capital ratio | 11.7415% | 5,240 |
| Total risk-based capital ratio | 12.8590% | 5,249 |
| Memoranda: | ||
| Average total assets | $343,202,250 | 1,917 |
| Average earning assets | $316,498,000 | 1,926 |
| Average equity | $35,313,500 | 2,029 |
| Average total loans | $230,522,500 | 1,874 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4028% | 1,844 |
| Cost of funding earning assets | 0.3217% | 4,134 |
| Net interest margin | 4.0811% | 1,405 |
| Noninterest income to average assets | 0.2744% | 4,987 |
| Noninterest expense to average assets | 2.4687% | 4,335 |
| Loan and lease loss provision to assets | 0.0881% | 2,347 |
| Net operating income to assets | 1.4785% | 934 |
| Return on assets (ROA) | 1.5814% | 807 |
| Pretax return on assets | 1.5855% | 1,375 |
| Return on Equity (ROE) | 15.3792% | 681 |
| Retained earnings to average equity (ytd only) | 6.2351% | 2,097 |
| Net charge-offs to loans | -0.1178% | 5,847 |
| Credit loss provision to net charge-offs | -113.6364% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9942% | 4,982 |
| Assets per employee ($millions) | 5.4518% | 1,783 |
| Cash dividends to net income (ytd only)* | 59.4575% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 3,982 |
| Loan loss allowance to noncurrent loans | 906.5574% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 3,418 |
| Noncurrent loans to loans | 0.1289% | 5,235 |
| Net loans and leases to total assets | 68.0813% | 2,629 |
| Net loans and leases to deposits | 88.2256% | 1,803 |
| Net loans and leases to core deposits | 93.8836% | 1,968 |
| Total domestic deposits to total assets | 77.1673% | 5,433 |
| Equity capital to assets | 10.2445% | 3,757 |
| Core capital (leverage) ratio | 9.5091% | 4,268 |
| Tier 1 risk-based capital ratio | 11.9899% | 5,159 |
| Total risk-based capital ratio | 13.0299% | 5,200 |
| Memoranda: | ||
| Average total assets | $340,337,330 | 1,952 |
| Average earning assets | $313,985,330 | 1,956 |
| Average equity | $34,995,330 | 2,056 |
| Average total loans | $224,154,670 | 1,920 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 1,980 |
| Cost of funding earning assets | 0.3150% | 4,279 |
| Net interest margin | 4.0211% | 1,491 |
| Noninterest income to average assets | 0.2680% | 5,035 |
| Noninterest expense to average assets | 2.4665% | 4,387 |
| Loan and lease loss provision to assets | 0.0886% | 2,216 |
| Net operating income to assets | 1.4181% | 1,000 |
| Return on assets (ROA) | 1.4181% | 1,056 |
| Pretax return on assets | 1.4204% | 1,807 |
| Return on Equity (ROE) | 13.7650% | 923 |
| Retained earnings to average equity (ytd only) | 4.5960% | 3,272 |
| Net charge-offs to loans | -0.3047% | 6,148 |
| Credit loss provision to net charge-offs | -45.1807% | 4,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9148% | 4,978 |
| Assets per employee ($millions) | 5.3915% | 1,896 |
| Cash dividends to net income (ytd only)* | 66.6112% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 3,708 |
| Loan loss allowance to noncurrent loans | 1,164.1026% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.6592% | 3,517 |
| Noncurrent loans to loans | 0.1071% | 5,375 |
| Net loans and leases to total assets | 63.5122% | 3,156 |
| Net loans and leases to deposits | 79.4600% | 2,623 |
| Net loans and leases to core deposits | 86.0916% | 2,540 |
| Total domestic deposits to total assets | 79.9298% | 5,064 |
| Equity capital to assets | 10.3937% | 3,658 |
| Core capital (leverage) ratio | 9.4165% | 4,402 |
| Tier 1 risk-based capital ratio | 12.0626% | 5,199 |
| Total risk-based capital ratio | 13.1167% | 5,219 |
| Memoranda: | ||
| Average total assets | $338,774,500 | 1,966 |
| Average earning assets | $312,353,500 | 1,976 |
| Average equity | $34,900,000 | 2,072 |
| Average total loans | $217,932,500 | 1,952 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3485% | 2,418 |
| Cost of funding earning assets | 0.3357% | 4,426 |
| Net interest margin | 4.0129% | 1,862 |
| Noninterest income to average assets | 0.2982% | 4,991 |
| Noninterest expense to average assets | 2.4382% | 4,732 |
| Loan and lease loss provision to assets | 0.1382% | 1,910 |
| Net operating income to assets | 1.4084% | 1,070 |
| Return on assets (ROA) | 1.5104% | 894 |
| Pretax return on assets | 1.5138% | 1,494 |
| Return on Equity (ROE) | 14.9670% | 785 |
| Retained earnings to average equity (ytd only) | 5.2284% | 2,451 |
| Net charge-offs to loans | 0.2434% | 1,751 |
| Credit loss provision to net charge-offs | 88.7574% | 2,669 |
| Earnings coverage of net charge-offs (x) | 9.9546% | 2,676 |
| Efficiency ratio | 59.6951% | 5,262 |
| Assets per employee ($millions) | 5.3632% | 1,896 |
| Cash dividends to net income (ytd only)* | 65.0671% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 4,327 |
| Loan loss allowance to noncurrent loans | 320.8010% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 3,810 |
| Noncurrent loans to loans | 0.3560% | 4,587 |
| Net loans and leases to total assets | 63.6104% | 3,274 |
| Net loans and leases to deposits | 79.2583% | 2,810 |
| Net loans and leases to core deposits | 85.7760% | 2,713 |
| Total domestic deposits to total assets | 80.2570% | 4,950 |
| Equity capital to assets | 10.2095% | 3,841 |
| Core capital (leverage) ratio | 9.2328% | 4,629 |
| Tier 1 risk-based capital ratio | 11.9838% | 5,378 |
| Total risk-based capital ratio | 12.9651% | 5,444 |
| Memoranda: | ||
| Average total assets | $325,612,000 | 1,994 |
| Average earning assets | $299,410,200 | 2,002 |
| Average equity | $32,859,000 | 2,120 |
| Average total loans | $208,338,600 | 1,985 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 2,437 |
| Cost of funding earning assets | 0.3400% | 4,458 |
| Net interest margin | 4.0055% | 1,862 |
| Noninterest income to average assets | 0.3026% | 5,025 |
| Noninterest expense to average assets | 2.3955% | 4,843 |
| Loan and lease loss provision to assets | 0.1653% | 1,500 |
| Net operating income to assets | 1.4199% | 1,090 |
| Return on assets (ROA) | 1.5365% | 903 |
| Pretax return on assets | 1.5402% | 1,511 |
| Return on Equity (ROE) | 15.2725% | 777 |
| Retained earnings to average equity (ytd only) | 5.4113% | 2,821 |
| Net charge-offs to loans | 0.2737% | 1,435 |
| Credit loss provision to net charge-offs | 94.5626% | 2,349 |
| Earnings coverage of net charge-offs (x) | 9.0874% | 2,715 |
| Efficiency ratio | 58.6679% | 5,355 |
| Assets per employee ($millions) | 5.2752% | 1,927 |
| Cash dividends to net income (ytd only)* | 64.5681% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 4,166 |
| Loan loss allowance to noncurrent loans | 287.9863% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 3,869 |
| Noncurrent loans to loans | 0.4206% | 4,645 |
| Net loans and leases to total assets | 62.7664% | 3,378 |
| Net loans and leases to deposits | 76.1829% | 3,165 |
| Net loans and leases to core deposits | 83.2095% | 2,971 |
| Total domestic deposits to total assets | 82.3891% | 4,343 |
| Equity capital to assets | 10.3594% | 3,726 |
| Core capital (leverage) ratio | 9.3480% | 4,574 |
| Tier 1 risk-based capital ratio | 12.1941% | 5,374 |
| Total risk-based capital ratio | 13.2229% | 5,419 |
| Memoranda: | ||
| Average total assets | $322,544,500 | 2,028 |
| Average earning assets | $296,484,750 | 2,032 |
| Average equity | $32,449,750 | 2,145 |
| Average total loans | $206,070,500 | 2,014 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 2,400 |
| Cost of funding earning assets | 0.3477% | 4,461 |
| Net interest margin | 3.9982% | 1,807 |
| Noninterest income to average assets | 0.3078% | 4,948 |
| Noninterest expense to average assets | 2.3904% | 4,904 |
| Loan and lease loss provision to assets | 0.1246% | 1,980 |
| Net operating income to assets | 1.4559% | 954 |
| Return on assets (ROA) | 1.5556% | 818 |
| Pretax return on assets | 1.5599% | 1,362 |
| Return on Equity (ROE) | 15.6198% | 692 |
| Retained earnings to average equity (ytd only) | 5.6111% | 2,572 |
| Net charge-offs to loans | 0.1187% | 2,480 |
| Credit loss provision to net charge-offs | 163.9344% | 1,372 |
| Earnings coverage of net charge-offs (x) | 20.8525% | 1,568 |
| Efficiency ratio | 58.6742% | 5,471 |
| Assets per employee ($millions) | 5.0449% | 2,156 |
| Cash dividends to net income (ytd only)* | 64.0769% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 4,220 |
| Loan loss allowance to noncurrent loans | 217.6226% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 3,709 |
| Noncurrent loans to loans | 0.5693% | 4,312 |
| Net loans and leases to total assets | 63.6422% | 3,134 |
| Net loans and leases to deposits | 80.7684% | 2,413 |
| Net loans and leases to core deposits | 88.5408% | 2,252 |
| Total domestic deposits to total assets | 78.7960% | 5,501 |
| Equity capital to assets | 10.1857% | 3,852 |
| Core capital (leverage) ratio | 9.1744% | 4,779 |
| Tier 1 risk-based capital ratio | 12.0852% | 5,489 |
| Total risk-based capital ratio | 13.1626% | 5,512 |
| Memoranda: | ||
| Average total assets | $321,037,670 | 2,038 |
| Average earning assets | $294,479,670 | 2,040 |
| Average equity | $31,972,330 | 2,157 |
| Average total loans | $205,492,670 | 2,012 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 2,477 |
| Cost of funding earning assets | 0.3628% | 4,413 |
| Net interest margin | 3.9491% | 1,932 |
| Noninterest income to average assets | 0.3224% | 4,786 |
| Noninterest expense to average assets | 2.4295% | 4,847 |
| Loan and lease loss provision to assets | 0.0945% | 2,345 |
| Net operating income to assets | 1.4156% | 960 |
| Return on assets (ROA) | 1.5328% | 799 |
| Pretax return on assets | 1.5353% | 1,325 |
| Return on Equity (ROE) | 15.5736% | 695 |
| Retained earnings to average equity (ytd only) | 5.3362% | 2,897 |
| Net charge-offs to loans | -0.0197% | 5,348 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1278% | 5,391 |
| Assets per employee ($millions) | 4.8322% | 2,465 |
| Cash dividends to net income (ytd only)* | 65.7354% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 4,187 |
| Loan loss allowance to noncurrent loans | 1,009.6154% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 4,692 |
| Noncurrent loans to loans | 0.1276% | 5,724 |
| Net loans and leases to total assets | 64.0418% | 2,883 |
| Net loans and leases to deposits | 78.7285% | 2,456 |
| Net loans and leases to core deposits | 85.6179% | 2,356 |
| Total domestic deposits to total assets | 81.3452% | 5,141 |
| Equity capital to assets | 10.1757% | 3,629 |
| Core capital (leverage) ratio | 9.2511% | 4,646 |
| Tier 1 risk-based capital ratio | 12.2249% | 5,490 |
| Total risk-based capital ratio | 13.3377% | 5,518 |
| Memoranda: | ||
| Average total assets | $317,597,000 | 2,060 |
| Average earning assets | $291,107,500 | 2,071 |
| Average equity | $31,258,000 | 2,197 |
| Average total loans | $202,582,500 | 2,028 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4506% | 2,392 |
| Cost of funding earning assets | 0.3964% | 4,689 |
| Net interest margin | 4.0543% | 1,785 |
| Noninterest income to average assets | 0.3220% | 5,031 |
| Noninterest expense to average assets | 2.4149% | 5,038 |
| Loan and lease loss provision to assets | 0.0750% | 3,608 |
| Net operating income to assets | 1.5167% | 791 |
| Return on assets (ROA) | 1.5267% | 815 |
| Pretax return on assets | 1.5295% | 1,351 |
| Return on Equity (ROE) | 15.7464% | 651 |
| Retained earnings to average equity (ytd only) | 7.3621% | 1,291 |
| Net charge-offs to loans | 0.1055% | 3,776 |
| Credit loss provision to net charge-offs | 121.8274% | 1,955 |
| Earnings coverage of net charge-offs (x) | 25.8883% | 1,312 |
| Efficiency ratio | 58.4373% | 5,687 |
| Assets per employee ($millions) | 4.9401% | 2,252 |
| Cash dividends to net income (ytd only)* | 53.2460% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 4,337 |
| Loan loss allowance to noncurrent loans | 727.7937% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 4,731 |
| Noncurrent loans to loans | 0.1733% | 5,682 |
| Net loans and leases to total assets | 61.9273% | 3,375 |
| Net loans and leases to deposits | 77.0269% | 2,852 |
| Net loans and leases to core deposits | 83.4093% | 2,734 |
| Total domestic deposits to total assets | 80.3970% | 5,350 |
| Equity capital to assets | 9.5156% | 4,409 |
| Core capital (leverage) ratio | 8.9351% | 5,100 |
| Tier 1 risk-based capital ratio | 11.9576% | 5,639 |
| Total risk-based capital ratio | 13.0281% | 5,686 |
| Memoranda: | ||
| Average total assets | $319,841,800 | 2,009 |
| Average earning assets | $290,903,800 | 2,038 |
| Average equity | $31,010,200 | 2,194 |
| Average total loans | $186,814,000 | 2,137 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 2,518 |
| Cost of funding earning assets | 0.4024% | 4,798 |
| Net interest margin | 4.0192% | 1,879 |
| Noninterest income to average assets | 0.3209% | 5,123 |
| Noninterest expense to average assets | 2.3860% | 5,062 |
| Loan and lease loss provision to assets | 0.0876% | 3,310 |
| Net operating income to assets | 1.4955% | 909 |
| Return on assets (ROA) | 1.4963% | 951 |
| Pretax return on assets | 1.4993% | 1,608 |
| Return on Equity (ROE) | 15.3618% | 737 |
| Retained earnings to average equity (ytd only) | 7.6509% | 1,567 |
| Net charge-offs to loans | -0.0240% | 6,106 |
| Credit loss provision to net charge-offs | -636.3636% | 6,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2624% | 5,653 |
| Assets per employee ($millions) | 5.0175% | 2,143 |
| Cash dividends to net income (ytd only)* | 50.1952% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 3,808 |
| Loan loss allowance to noncurrent loans | 4,892.8571% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 5,220 |
| Noncurrent loans to loans | 0.0290% | 6,263 |
| Net loans and leases to total assets | 58.2919% | 3,963 |
| Net loans and leases to deposits | 73.4272% | 3,330 |
| Net loans and leases to core deposits | 79.6193% | 3,165 |
| Total domestic deposits to total assets | 79.3874% | 5,655 |
| Equity capital to assets | 9.0079% | 5,176 |
| Core capital (leverage) ratio | 8.9302% | 5,226 |
| Tier 1 risk-based capital ratio | 12.0987% | 5,720 |
| Total risk-based capital ratio | 13.2903% | 5,694 |
| Memoranda: | ||
| Average total assets | $319,526,250 | 2,023 |
| Average earning assets | $290,266,500 | 2,049 |
| Average equity | $31,124,000 | 2,202 |
| Average total loans | $183,169,750 | 2,172 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4704% | 2,302 |
| Cost of funding earning assets | 0.4132% | 4,824 |
| Net interest margin | 4.0572% | 1,670 |
| Noninterest income to average assets | 0.3195% | 5,151 |
| Noninterest expense to average assets | 2.3843% | 5,098 |
| Loan and lease loss provision to assets | 0.1071% | 3,004 |
| Net operating income to assets | 1.5007% | 897 |
| Return on assets (ROA) | 1.5019% | 965 |
| Pretax return on assets | 1.5051% | 1,602 |
| Return on Equity (ROE) | 15.0319% | 806 |
| Retained earnings to average equity (ytd only) | 8.0931% | 1,443 |
| Net charge-offs to loans | -0.0200% | 5,972 |
| Credit loss provision to net charge-offs | -944.4444% | 6,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8640% | 5,752 |
| Assets per employee ($millions) | 4.6783% | 2,545 |
| Cash dividends to net income (ytd only)* | 46.1603% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 3,602 |
| Loan loss allowance to noncurrent loans | 4,475.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 5,232 |
| Noncurrent loans to loans | 0.0335% | 6,305 |
| Net loans and leases to total assets | 56.3588% | 4,231 |
| Net loans and leases to deposits | 68.5427% | 3,929 |
| Net loans and leases to core deposits | 73.2027% | 3,901 |
| Total domestic deposits to total assets | 82.2244% | 4,972 |
| Equity capital to assets | 9.5321% | 4,544 |
| Core capital (leverage) ratio | 8.8405% | 5,231 |
| Tier 1 risk-based capital ratio | 12.0678% | 5,754 |
| Total risk-based capital ratio | 13.2564% | 5,735 |
| Memoranda: | ||
| Average total assets | $317,323,000 | 2,038 |
| Average earning assets | $287,489,670 | 2,080 |
| Average equity | $31,706,000 | 2,170 |
| Average total loans | $179,942,670 | 2,198 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5133% | 2,119 |
| Cost of funding earning assets | 0.4208% | 4,903 |
| Net interest margin | 4.0925% | 1,481 |
| Noninterest income to average assets | 0.2982% | 5,320 |
| Noninterest expense to average assets | 2.3868% | 5,161 |
| Loan and lease loss provision to assets | 0.1128% | 2,822 |
| Net operating income to assets | 1.4884% | 881 |
| Return on assets (ROA) | 1.4884% | 959 |
| Pretax return on assets | 1.4909% | 1,584 |
| Return on Equity (ROE) | 14.5677% | 851 |
| Retained earnings to average equity (ytd only) | 14.5677% | 391 |
| Net charge-offs to loans | -0.0311% | 5,908 |
| Credit loss provision to net charge-offs | -642.8571% | 5,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0220% | 5,847 |
| Assets per employee ($millions) | 4.7182% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 3,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 5,330 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 55.5482% | 4,164 |
| Net loans and leases to deposits | 65.6780% | 4,099 |
| Net loans and leases to core deposits | 70.0213% | 4,080 |
| Total domestic deposits to total assets | 84.5765% | 4,235 |
| Equity capital to assets | 10.3909% | 3,684 |
| Core capital (leverage) ratio | 8.5372% | 5,534 |
| Tier 1 risk-based capital ratio | 12.6629% | 5,461 |
| Total risk-based capital ratio | 13.8780% | 5,447 |
| Memoranda: | ||
| Average total assets | $319,261,000 | 2,048 |
| Average earning assets | $288,036,000 | 2,098 |
| Average equity | $32,620,000 | 2,146 |
| Average total loans | $180,244,000 | 2,212 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6927% | 2,631 |
| Cost of funding earning assets | 0.5511% | 4,806 |
| Net interest margin | 4.1416% | 1,855 |
| Noninterest income to average assets | 0.1897% | 6,049 |
| Noninterest expense to average assets | 2.5191% | 5,034 |
| Loan and lease loss provision to assets | 0.0575% | 5,058 |
| Net operating income to assets | 1.3863% | 1,124 |
| Return on assets (ROA) | 1.4091% | 1,198 |
| Pretax return on assets | 1.4123% | 2,003 |
| Return on Equity (ROE) | 13.0511% | 1,213 |
| Retained earnings to average equity (ytd only) | -14.4651% | 6,765 |
| Net charge-offs to loans | 0.0234% | 5,574 |
| Credit loss provision to net charge-offs | 417.1429% | 578 |
| Earnings coverage of net charge-offs (x) | 105.0571% | 370 |
| Efficiency ratio | 62.1986% | 5,202 |
| Assets per employee ($millions) | 4.8848% | 2,376 |
| Cash dividends to net income (ytd only)* | 210.8350% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3698% | 4,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 5,424 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 55.7661% | 4,334 |
| Net loans and leases to deposits | 65.5821% | 4,349 |
| Net loans and leases to core deposits | 70.0381% | 4,306 |
| Total domestic deposits to total assets | 85.0326% | 3,849 |
| Equity capital to assets | 10.0471% | 4,108 |
| Core capital (leverage) ratio | 8.3737% | 5,794 |
| Tier 1 risk-based capital ratio | 11.7032% | 5,955 |
| Total risk-based capital ratio | 12.8331% | 6,006 |
| Memoranda: | ||
| Average total assets | $254,133,400 | 2,496 |
| Average earning assets | $231,721,600 | 2,484 |
| Average equity | $27,438,400 | 2,452 |
| Average total loans | $149,804,800 | 2,576 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9127% | 1,965 |
| Cost of funding earning assets | 0.5990% | 4,660 |
| Net interest margin | 4.3137% | 1,431 |
| Noninterest income to average assets | 0.3329% | 5,139 |
| Noninterest expense to average assets | 2.6366% | 4,616 |
| Loan and lease loss provision to assets | 0.0394% | 5,283 |
| Net operating income to assets | 1.6220% | 807 |
| Return on assets (ROA) | 1.6546% | 834 |
| Pretax return on assets | 1.6586% | 1,393 |
| Return on Equity (ROE) | 14.9716% | 906 |
| Retained earnings to average equity (ytd only) | 6.0660% | 2,660 |
| Net charge-offs to loans | 0.0687% | 4,730 |
| Credit loss provision to net charge-offs | 95.8904% | 3,112 |
| Earnings coverage of net charge-offs (x) | 40.5620% | 876 |
| Efficiency ratio | 60.0994% | 5,478 |
| Assets per employee ($millions) | 5.0088% | 2,179 |
| Cash dividends to net income (ytd only)* | 59.4835% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7197% | 3,082 |
| Loan loss allowance to noncurrent loans | 1,191.5000% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 5,194 |
| Noncurrent loans to loans | 0.1443% | 6,245 |
| Net loans and leases to total assets | 55.4887% | 4,526 |
| Net loans and leases to deposits | 67.7098% | 4,226 |
| Net loans and leases to core deposits | 72.5687% | 4,186 |
| Total domestic deposits to total assets | 81.9509% | 5,045 |
| Equity capital to assets | 11.0504% | 3,209 |
| Core capital (leverage) ratio | 9.6276% | 4,084 |
| Tier 1 risk-based capital ratio | 13.4258% | 4,930 |
| Total risk-based capital ratio | 14.6774% | 4,887 |
| Memoranda: | ||
| Average total assets | $237,066,750 | 2,686 |
| Average earning assets | $218,122,750 | 2,662 |
| Average equity | $26,200,000 | 2,567 |
| Average total loans | $141,684,250 | 2,734 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0312% | 1,705 |
| Cost of funding earning assets | 0.6332% | 4,596 |
| Net interest margin | 4.3980% | 1,202 |
| Noninterest income to average assets | 0.3509% | 5,033 |
| Noninterest expense to average assets | 2.7762% | 4,111 |
| Loan and lease loss provision to assets | -0.0256% | 7,051 |
| Net operating income to assets | 1.6331% | 781 |
| Return on assets (ROA) | 1.6818% | 782 |
| Pretax return on assets | 1.6869% | 1,299 |
| Return on Equity (ROE) | 15.2165% | 899 |
| Retained earnings to average equity (ytd only) | 7.4924% | 1,879 |
| Net charge-offs to loans | 0.1275% | 3,908 |
| Credit loss provision to net charge-offs | -32.9670% | 5,972 |
| Earnings coverage of net charge-offs (x) | 20.7582% | 1,374 |
| Efficiency ratio | 62.0696% | 5,235 |
| Assets per employee ($millions) | 4.6290% | 2,670 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 3,942 |
| Loan loss allowance to noncurrent loans | 1,132.5000% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 5,269 |
| Noncurrent loans to loans | 0.1338% | 6,327 |
| Net loans and leases to total assets | 61.1499% | 3,600 |
| Net loans and leases to deposits | 74.6591% | 3,179 |
| Net loans and leases to core deposits | 79.5607% | 3,277 |
| Total domestic deposits to total assets | 81.9054% | 5,168 |
| Equity capital to assets | 10.9814% | 3,141 |
| Core capital (leverage) ratio | 9.7944% | 3,724 |
| Tier 1 risk-based capital ratio | 12.8422% | 5,307 |
| Total risk-based capital ratio | 14.0924% | 5,276 |
| Memoranda: | ||
| Average total assets | $234,279,000 | 2,716 |
| Average earning assets | $215,097,670 | 2,700 |
| Average equity | $25,893,000 | 2,586 |
| Average total loans | $142,722,670 | 2,727 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9980% | 1,892 |
| Cost of funding earning assets | 0.6851% | 4,410 |
| Net interest margin | 4.3130% | 1,428 |
| Noninterest income to average assets | 0.3428% | 5,115 |
| Noninterest expense to average assets | 3.0814% | 2,980 |
| Loan and lease loss provision to assets | -0.3116% | 7,236 |
| Net operating income to assets | 1.5113% | 1,001 |
| Return on assets (ROA) | 1.5476% | 1,057 |
| Pretax return on assets | 1.5545% | 1,726 |
| Return on Equity (ROE) | 13.9562% | 1,190 |
| Retained earnings to average equity (ytd only) | 6.1507% | 2,868 |
| Net charge-offs to loans | 0.3014% | 2,456 |
| Credit loss provision to net charge-offs | -171.4286% | 5,565 |
| Earnings coverage of net charge-offs (x) | 6.6381% | 2,173 |
| Efficiency ratio | 70.6096% | 3,699 |
| Assets per employee ($millions) | 4.5785% | 2,851 |
| Cash dividends to net income (ytd only)* | 55.9284% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 4,206 |
| Loan loss allowance to noncurrent loans | 525.2500% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 4,949 |
| Noncurrent loans to loans | 0.2838% | 6,110 |
| Net loans and leases to total assets | 58.3081% | 3,987 |
| Net loans and leases to deposits | 71.5408% | 3,499 |
| Net loans and leases to core deposits | 77.7721% | 3,359 |
| Total domestic deposits to total assets | 81.5033% | 5,461 |
| Equity capital to assets | 10.8203% | 3,117 |
| Core capital (leverage) ratio | 9.6589% | 3,831 |
| Tier 1 risk-based capital ratio | 13.1856% | 5,076 |
| Total risk-based capital ratio | 14.4144% | 5,056 |
| Memoranda: | ||
| Average total assets | $231,065,000 | 2,757 |
| Average earning assets | $211,362,500 | 2,754 |
| Average equity | $25,623,000 | 2,609 |
| Average total loans | $139,355,500 | 2,794 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3203% | 1,642 |
| Cost of funding earning assets | 0.8895% | 4,190 |
| Net interest margin | 4.4308% | 1,309 |
| Noninterest income to average assets | 0.3219% | 5,242 |
| Noninterest expense to average assets | 2.6837% | 4,805 |
| Loan and lease loss provision to assets | 0.6226% | 1,647 |
| Net operating income to assets | 1.1073% | 1,801 |
| Return on assets (ROA) | 1.1714% | 1,707 |
| Pretax return on assets | 1.1714% | 2,571 |
| Return on Equity (ROE) | 10.6559% | 1,818 |
| Retained earnings to average equity (ytd only) | 6.4607% | 1,763 |
| Net charge-offs to loans | 1.2609% | 1,319 |
| Credit loss provision to net charge-offs | 77.9446% | 4,554 |
| Earnings coverage of net charge-offs (x) | 2.1657% | 4,161 |
| Efficiency ratio | 59.1118% | 5,886 |
| Assets per employee ($millions) | 4.4810% | 2,946 |
| Cash dividends to net income (ytd only)* | 39.3701% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7316% | 3,087 |
| Loan loss allowance to noncurrent loans | 460.6178% | 735 |
| Noncurrent assets plus other real estate owned to assets | 1.0480% | 4,514 |
| Noncurrent loans to loans | 0.3759% | 5,964 |
| Net loans and leases to total assets | 60.4347% | 3,910 |
| Net loans and leases to deposits | 76.7131% | 3,057 |
| Net loans and leases to core deposits | 84.6577% | 2,790 |
| Total domestic deposits to total assets | 78.7802% | 6,042 |
| Equity capital to assets | 11.3747% | 2,616 |
| Core capital (leverage) ratio | 10.2141% | 3,076 |
| Tier 1 risk-based capital ratio | 13.7735% | 4,498 |
| Total risk-based capital ratio | 15.0262% | 4,463 |
| Memoranda: | ||
| Average total assets | $216,828,000 | 2,874 |
| Average earning assets | $200,234,200 | 2,849 |
| Average equity | $23,836,600 | 2,686 |
| Average total loans | $137,357,200 | 2,848 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3865% | 1,555 |
| Cost of funding earning assets | 0.9322% | 4,181 |
| Net interest margin | 4.4543% | 1,264 |
| Noninterest income to average assets | 0.2939% | 5,511 |
| Noninterest expense to average assets | 2.7296% | 4,614 |
| Loan and lease loss provision to assets | 0.7441% | 1,281 |
| Net operating income to assets | 0.9475% | 2,541 |
| Return on assets (ROA) | 1.0330% | 2,362 |
| Pretax return on assets | 1.0330% | 3,273 |
| Return on Equity (ROE) | 9.4827% | 2,398 |
| Retained earnings to average equity (ytd only) | 6.0676% | 2,524 |
| Net charge-offs to loans | 1.7573% | 772 |
| Credit loss provision to net charge-offs | 66.3350% | 4,593 |
| Earnings coverage of net charge-offs (x) | 1.5080% | 4,510 |
| Efficiency ratio | 60.0421% | 5,715 |
| Assets per employee ($millions) | 4.2315% | 3,395 |
| Cash dividends to net income (ytd only)* | 36.0144% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 3,661 |
| Loan loss allowance to noncurrent loans | 392.5455% | 826 |
| Noncurrent assets plus other real estate owned to assets | 1.3364% | 4,137 |
| Noncurrent loans to loans | 0.4078% | 6,031 |
| Net loans and leases to total assets | 61.4960% | 3,851 |
| Net loans and leases to deposits | 78.7611% | 2,851 |
| Net loans and leases to core deposits | 87.7222% | 2,525 |
| Total domestic deposits to total assets | 78.0792% | 6,180 |
| Equity capital to assets | 11.4805% | 2,696 |
| Core capital (leverage) ratio | 10.0008% | 3,444 |
| Tier 1 risk-based capital ratio | 13.9636% | 4,380 |
| Total risk-based capital ratio | 15.2154% | 4,350 |
| Memoranda: | ||
| Average total assets | $215,022,500 | 2,901 |
| Average earning assets | $199,233,000 | 2,873 |
| Average equity | $23,424,500 | 2,736 |
| Average total loans | $137,249,000 | 2,878 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3439% | 1,734 |
| Cost of funding earning assets | 0.9677% | 4,190 |
| Net interest margin | 4.3762% | 1,444 |
| Noninterest income to average assets | 0.2868% | 5,587 |
| Noninterest expense to average assets | 2.5824% | 5,252 |
| Loan and lease loss provision to assets | 0.7683% | 1,209 |
| Net operating income to assets | 1.0002% | 2,229 |
| Return on assets (ROA) | 1.1287% | 1,869 |
| Pretax return on assets | 1.1287% | 2,730 |
| Return on Equity (ROE) | 10.5511% | 1,935 |
| Retained earnings to average equity (ytd only) | 7.9394% | 1,480 |
| Net charge-offs to loans | 2.6383% | 424 |
| Credit loss provision to net charge-offs | 45.3048% | 4,700 |
| Earnings coverage of net charge-offs (x) | 1.0428% | 4,507 |
| Efficiency ratio | 57.6199% | 6,212 |
| Assets per employee ($millions) | 4.2061% | 3,338 |
| Cash dividends to net income (ytd only)* | 24.7525% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 5,061 |
| Loan loss allowance to noncurrent loans | 221.5000% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 1.5873% | 3,817 |
| Noncurrent loans to loans | 0.5870% | 5,755 |
| Net loans and leases to total assets | 62.7037% | 3,740 |
| Net loans and leases to deposits | 78.9954% | 2,967 |
| Net loans and leases to core deposits | 87.2029% | 2,741 |
| Total domestic deposits to total assets | 79.3764% | 5,989 |
| Equity capital to assets | 11.1747% | 2,789 |
| Core capital (leverage) ratio | 9.8081% | 3,513 |
| Tier 1 risk-based capital ratio | 13.8042% | 4,304 |
| Total risk-based capital ratio | 14.9465% | 4,358 |
| Memoranda: | ||
| Average total assets | $214,760,330 | 2,915 |
| Average earning assets | $199,440,670 | 2,878 |
| Average equity | $22,974,000 | 2,759 |
| Average total loans | $138,041,000 | 2,888 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2882% | 1,900 |
| Cost of funding earning assets | 0.9987% | 4,214 |
| Net interest margin | 4.2895% | 1,588 |
| Noninterest income to average assets | 0.2662% | 5,767 |
| Noninterest expense to average assets | 2.4683% | 5,677 |
| Loan and lease loss provision to assets | 0.8377% | 989 |
| Net operating income to assets | 0.9419% | 2,388 |
| Return on assets (ROA) | 0.9419% | 2,452 |
| Pretax return on assets | 0.9419% | 3,352 |
| Return on Equity (ROE) | 9.0054% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.0054% | 1,374 |
| Net charge-offs to loans | 4.0685% | 221 |
| Credit loss provision to net charge-offs | 31.8471% | 4,086 |
| Earnings coverage of net charge-offs (x) | 0.6766% | 4,117 |
| Efficiency ratio | 56.3541% | 6,464 |
| Assets per employee ($millions) | 4.5793% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 5,020 |
| Loan loss allowance to noncurrent loans | 58.1508% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 2.2925% | 2,957 |
| Noncurrent loans to loans | 2.2758% | 3,224 |
| Net loans and leases to total assets | 62.5312% | 3,752 |
| Net loans and leases to deposits | 80.0419% | 2,720 |
| Net loans and leases to core deposits | 88.1922% | 2,571 |
| Total domestic deposits to total assets | 78.1231% | 6,363 |
| Equity capital to assets | 10.6567% | 3,033 |
| Core capital (leverage) ratio | 9.9694% | 3,177 |
| Tier 1 risk-based capital ratio | 13.4427% | 4,465 |
| Total risk-based capital ratio | 14.6000% | 4,525 |
| Memoranda: | ||
| Average total assets | $214,884,500 | 2,940 |
| Average earning assets | $199,464,500 | 2,895 |
| Average equity | $22,475,500 | 2,804 |
| Average total loans | $138,922,000 | 2,909 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5080% | 2,248 |
| Cost of funding earning assets | 1.3655% | 3,483 |
| Net interest margin | 4.1425% | 2,399 |
| Noninterest income to average assets | 0.2723% | 5,836 |
| Noninterest expense to average assets | 2.4911% | 5,834 |
| Loan and lease loss provision to assets | 1.3742% | 1,098 |
| Net operating income to assets | 0.2743% | 5,021 |
| Return on assets (ROA) | 0.4617% | 4,432 |
| Pretax return on assets | 0.4617% | 4,758 |
| Return on Equity (ROE) | 4.0469% | 4,501 |
| Retained earnings to average equity (ytd only) | 0.7621% | 5,172 |
| Net charge-offs to loans | 2.0680% | 968 |
| Credit loss provision to net charge-offs | 97.8648% | 4,735 |
| Earnings coverage of net charge-offs (x) | 1.1740% | 4,931 |
| Efficiency ratio | 59.4399% | 6,130 |
| Assets per employee ($millions) | 4.6640% | 2,605 |
| Cash dividends to net income (ytd only)* | 81.1688% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 2,409 |
| Loan loss allowance to noncurrent loans | 253.9450% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 1.3606% | 4,303 |
| Noncurrent loans to loans | 0.7706% | 5,506 |
| Net loans and leases to total assets | 64.6433% | 3,737 |
| Net loans and leases to deposits | 83.8383% | 2,478 |
| Net loans and leases to core deposits | 93.7144% | 2,294 |
| Total domestic deposits to total assets | 77.1047% | 6,467 |
| Equity capital to assets | 10.2614% | 3,434 |
| Core capital (leverage) ratio | 9.6042% | 3,551 |
| Tier 1 risk-based capital ratio | 12.9268% | 4,655 |
| Total risk-based capital ratio | 14.1827% | 4,628 |
| Memoranda: | ||
| Average total assets | $200,114,400 | 3,099 |
| Average earning assets | $186,820,800 | 3,044 |
| Average equity | $22,832,400 | 2,788 |
| Average total loans | $135,878,400 | 3,016 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4732% | 2,547 |
| Cost of funding earning assets | 1.4252% | 3,427 |
| Net interest margin | 4.0480% | 2,867 |
| Noninterest income to average assets | 0.2721% | 5,934 |
| Noninterest expense to average assets | 2.4175% | 5,978 |
| Loan and lease loss provision to assets | 1.0177% | 1,447 |
| Net operating income to assets | 0.6276% | 3,763 |
| Return on assets (ROA) | 0.8339% | 2,996 |
| Pretax return on assets | 0.8339% | 3,789 |
| Return on Equity (ROE) | 7.1131% | 3,291 |
| Retained earnings to average equity (ytd only) | 4.2193% | 3,519 |
| Net charge-offs to loans | 2.2674% | 787 |
| Credit loss provision to net charge-offs | 65.5881% | 5,546 |
| Earnings coverage of net charge-offs (x) | 1.0603% | 4,995 |
| Efficiency ratio | 59.5023% | 6,029 |
| Assets per employee ($millions) | 4.7069% | 2,584 |
| Cash dividends to net income (ytd only)* | 40.6834% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4882% | 4,020 |
| Loan loss allowance to noncurrent loans | 78.1394% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 2.1019% | 3,332 |
| Noncurrent loans to loans | 1.9046% | 3,796 |
| Net loans and leases to total assets | 63.7830% | 4,164 |
| Net loans and leases to deposits | 82.8667% | 2,943 |
| Net loans and leases to core deposits | 93.4754% | 2,596 |
| Total domestic deposits to total assets | 76.9706% | 6,483 |
| Equity capital to assets | 11.0428% | 2,920 |
| Core capital (leverage) ratio | 10.2921% | 2,930 |
| Tier 1 risk-based capital ratio | 13.5234% | 4,187 |
| Total risk-based capital ratio | 14.7740% | 4,136 |
| Memoranda: | ||
| Average total assets | $196,507,500 | 3,182 |
| Average earning assets | $184,021,000 | 3,122 |
| Average equity | $23,036,750 | 2,802 |
| Average total loans | $134,484,250 | 3,088 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4968% | 2,527 |
| Cost of funding earning assets | 1.5012% | 3,253 |
| Net interest margin | 3.9955% | 3,038 |
| Noninterest income to average assets | 0.2675% | 6,007 |
| Noninterest expense to average assets | 2.3249% | 6,286 |
| Loan and lease loss provision to assets | 1.0449% | 1,390 |
| Net operating income to assets | 0.6520% | 3,617 |
| Return on assets (ROA) | 0.8098% | 3,072 |
| Pretax return on assets | 0.8098% | 3,847 |
| Return on Equity (ROE) | 6.7629% | 3,417 |
| Retained earnings to average equity (ytd only) | 4.5814% | 3,162 |
| Net charge-offs to loans | 2.8339% | 576 |
| Credit loss provision to net charge-offs | 52.8262% | 5,358 |
| Earnings coverage of net charge-offs (x) | 0.8579% | 4,910 |
| Efficiency ratio | 57.8072% | 6,400 |
| Assets per employee ($millions) | 4.7174% | 2,554 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 3,876 |
| Loan loss allowance to noncurrent loans | 70.6720% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 2.4261% | 2,965 |
| Noncurrent loans to loans | 2.1342% | 3,548 |
| Net loans and leases to total assets | 66.9638% | 3,628 |
| Net loans and leases to deposits | 89.3179% | 1,957 |
| Net loans and leases to core deposits | 107.2812% | 1,356 |
| Total domestic deposits to total assets | 74.9724% | 6,858 |
| Equity capital to assets | 12.3633% | 1,892 |
| Core capital (leverage) ratio | 11.7040% | 1,803 |
| Tier 1 risk-based capital ratio | 15.3645% | 2,973 |
| Total risk-based capital ratio | 16.6156% | 2,938 |
| Memoranda: | ||
| Average total assets | $191,406,000 | 3,287 |
| Average earning assets | $179,851,670 | 3,192 |
| Average equity | $22,919,000 | 2,807 |
| Average total loans | $133,598,670 | 3,138 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5333% | 2,441 |
| Cost of funding earning assets | 1.5677% | 3,155 |
| Net interest margin | 3.9656% | 3,024 |
| Noninterest income to average assets | 0.2075% | 6,476 |
| Noninterest expense to average assets | 2.2473% | 6,555 |
| Loan and lease loss provision to assets | 1.0376% | 1,194 |
| Net operating income to assets | 0.6599% | 3,614 |
| Return on assets (ROA) | 0.7885% | 3,134 |
| Pretax return on assets | 0.7885% | 3,915 |
| Return on Equity (ROE) | 6.6919% | 3,521 |
| Retained earnings to average equity (ytd only) | 6.6919% | 2,281 |
| Net charge-offs to loans | 4.5475% | 279 |
| Credit loss provision to net charge-offs | 32.2789% | 4,781 |
| Earnings coverage of net charge-offs (x) | 0.5281% | 4,562 |
| Efficiency ratio | 56.9700% | 6,634 |
| Assets per employee ($millions) | 4.9613% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 4,740 |
| Loan loss allowance to noncurrent loans | 65.5973% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.6342% | 4,034 |
| Noncurrent loans to loans | 2.0413% | 3,727 |
| Net loans and leases to total assets | 67.7434% | 3,449 |
| Net loans and leases to deposits | 90.7490% | 1,793 |
| Net loans and leases to core deposits | 109.5111% | 1,314 |
| Total domestic deposits to total assets | 74.6492% | 6,962 |
| Equity capital to assets | 11.8586% | 2,128 |
| Core capital (leverage) ratio | 11.5718% | 1,870 |
| Tier 1 risk-based capital ratio | 14.7846% | 3,214 |
| Total risk-based capital ratio | 15.9717% | 3,212 |
| Memoranda: | ||
| Average total assets | $192,761,000 | 3,325 |
| Average earning assets | $181,662,500 | 3,236 |
| Average equity | $22,714,000 | 2,849 |
| Average total loans | $136,251,500 | 3,142 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0711% | 1,598 |
| Cost of funding earning assets | 1.9897% | 3,005 |
| Net interest margin | 4.0814% | 2,526 |
| Noninterest income to average assets | 0.1912% | 6,728 |
| Noninterest expense to average assets | 2.3917% | 6,491 |
| Loan and lease loss provision to assets | 1.2640% | 1,826 |
| Net operating income to assets | 0.3708% | 4,247 |
| Return on assets (ROA) | 0.6526% | 3,183 |
| Pretax return on assets | 0.6526% | 3,733 |
| Return on Equity (ROE) | 5.6410% | 3,359 |
| Retained earnings to average equity (ytd only) | 2.4540% | 3,422 |
| Net charge-offs to loans | 1.0745% | 2,270 |
| Credit loss provision to net charge-offs | 158.3113% | 2,838 |
| Earnings coverage of net charge-offs (x) | 2.0475% | 4,190 |
| Efficiency ratio | 59.3591% | 6,578 |
| Assets per employee ($millions) | 4.8008% | 2,484 |
| Cash dividends to net income (ytd only)* | 56.4972% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 1,968 |
| Loan loss allowance to noncurrent loans | 195.0345% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.7551% | 5,598 |
| Noncurrent loans to loans | 1.0383% | 5,240 |
| Net loans and leases to total assets | 71.2482% | 2,940 |
| Net loans and leases to deposits | 94.7638% | 1,493 |
| Net loans and leases to core deposits | 129.1900% | 1,326 |
| Total domestic deposits to total assets | 75.1850% | 6,833 |
| Equity capital to assets | 11.7079% | 2,183 |
| Core capital (leverage) ratio | 11.2286% | 2,085 |
| Tier 1 risk-based capital ratio | 14.0503% | 3,467 |
| Total risk-based capital ratio | 15.3071% | 3,418 |
| Memoranda: | ||
| Average total assets | $189,868,800 | 3,288 |
| Average earning assets | $178,420,200 | 3,233 |
| Average equity | $21,964,200 | 2,946 |
| Average total loans | $141,093,200 | 3,060 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1061% | 1,630 |
| Cost of funding earning assets | 2.0504% | 3,118 |
| Net interest margin | 4.0558% | 2,569 |
| Noninterest income to average assets | 0.1852% | 6,898 |
| Noninterest expense to average assets | 2.3648% | 6,516 |
| Loan and lease loss provision to assets | 1.2324% | 1,575 |
| Net operating income to assets | 0.4007% | 4,398 |
| Return on assets (ROA) | 0.7662% | 3,018 |
| Pretax return on assets | 0.7662% | 3,642 |
| Return on Equity (ROE) | 6.6438% | 3,240 |
| Retained earnings to average equity (ytd only) | 4.5065% | 2,755 |
| Net charge-offs to loans | 1.3450% | 1,528 |
| Credit loss provision to net charge-offs | 122.6349% | 4,127 |
| Earnings coverage of net charge-offs (x) | 1.6251% | 4,577 |
| Efficiency ratio | 59.1157% | 6,548 |
| Assets per employee ($millions) | 5.1505% | 1,971 |
| Cash dividends to net income (ytd only)* | 32.1695% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 2,914 |
| Loan loss allowance to noncurrent loans | 283.3750% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 6,403 |
| Noncurrent loans to loans | 0.5715% | 6,176 |
| Net loans and leases to total assets | 72.2632% | 2,967 |
| Net loans and leases to deposits | 96.8153% | 1,474 |
| Net loans and leases to core deposits | 131.5980% | 1,341 |
| Total domestic deposits to total assets | 74.6403% | 6,842 |
| Equity capital to assets | 11.9835% | 2,245 |
| Core capital (leverage) ratio | 11.4779% | 2,085 |
| Tier 1 risk-based capital ratio | 14.2241% | 3,424 |
| Total risk-based capital ratio | 15.4766% | 3,372 |
| Memoranda: | ||
| Average total assets | $189,327,750 | 3,321 |
| Average earning assets | $177,981,000 | 3,263 |
| Average equity | $21,834,500 | 2,994 |
| Average total loans | $141,454,500 | 3,089 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1637% | 1,579 |
| Cost of funding earning assets | 2.1000% | 3,263 |
| Net interest margin | 4.0637% | 2,454 |
| Noninterest income to average assets | 0.1810% | 7,003 |
| Noninterest expense to average assets | 2.3386% | 6,645 |
| Loan and lease loss provision to assets | 1.2704% | 1,347 |
| Net operating income to assets | 0.3885% | 4,559 |
| Return on assets (ROA) | 0.6860% | 3,426 |
| Pretax return on assets | 0.6860% | 4,048 |
| Return on Equity (ROE) | 6.0278% | 3,633 |
| Retained earnings to average equity (ytd only) | 2.7721% | 3,786 |
| Net charge-offs to loans | 1.0018% | 1,763 |
| Credit loss provision to net charge-offs | 168.7764% | 2,727 |
| Earnings coverage of net charge-offs (x) | 2.2039% | 3,964 |
| Efficiency ratio | 58.4746% | 6,775 |
| Assets per employee ($millions) | 4.5327% | 2,718 |
| Cash dividends to net income (ytd only)* | 54.0123% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 2,392 |
| Loan loss allowance to noncurrent loans | 158.2954% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.8074% | 5,375 |
| Noncurrent loans to loans | 1.0655% | 5,081 |
| Net loans and leases to total assets | 74.4980% | 2,572 |
| Net loans and leases to deposits | 100.0127% | 1,289 |
| Net loans and leases to core deposits | 134.6793% | 1,276 |
| Total domestic deposits to total assets | 74.4885% | 6,868 |
| Equity capital to assets | 11.4917% | 2,546 |
| Core capital (leverage) ratio | 11.2465% | 2,229 |
| Tier 1 risk-based capital ratio | 13.5587% | 3,784 |
| Total risk-based capital ratio | 14.8124% | 3,708 |
| Memoranda: | ||
| Average total assets | $188,913,670 | 3,349 |
| Average earning assets | $177,425,000 | 3,294 |
| Average equity | $21,500,330 | 3,033 |
| Average total loans | $141,946,330 | 3,111 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2854% | 1,343 |
| Cost of funding earning assets | 2.1344% | 3,497 |
| Net interest margin | 4.1510% | 2,089 |
| Noninterest income to average assets | 0.1382% | 7,313 |
| Noninterest expense to average assets | 2.2850% | 6,585 |
| Loan and lease loss provision to assets | 0.9565% | 1,360 |
| Net operating income to assets | 0.7907% | 3,167 |
| Return on assets (ROA) | 1.0925% | 2,114 |
| Pretax return on assets | 1.0925% | 3,014 |
| Return on Equity (ROE) | 9.6471% | 2,473 |
| Retained earnings to average equity (ytd only) | 3.0781% | 4,165 |
| Net charge-offs to loans | 0.4915% | 2,233 |
| Credit loss provision to net charge-offs | 260.1156% | 1,815 |
| Earnings coverage of net charge-offs (x) | 4.7514% | 2,820 |
| Efficiency ratio | 56.6157% | 6,878 |
| Assets per employee ($millions) | 4.5700% | 2,609 |
| Cash dividends to net income (ytd only)* | 68.0934% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 2,650 |
| Loan loss allowance to noncurrent loans | 2,523.8636% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 7,387 |
| Noncurrent loans to loans | 0.0622% | 7,353 |
| Net loans and leases to total assets | 74.3457% | 2,664 |
| Net loans and leases to deposits | 101.8893% | 1,185 |
| Net loans and leases to core deposits | 135.8918% | 1,313 |
| Total domestic deposits to total assets | 72.9671% | 7,059 |
| Equity capital to assets | 11.7907% | 2,390 |
| Core capital (leverage) ratio | 11.1955% | 2,342 |
| Tier 1 risk-based capital ratio | 13.3949% | 3,931 |
| Total risk-based capital ratio | 14.6468% | 3,842 |
| Memoranda: | ||
| Average total assets | $188,184,000 | 3,377 |
| Average earning assets | $176,537,000 | 3,331 |
| Average equity | $21,312,000 | 3,074 |
| Average total loans | $140,791,000 | 3,159 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8331% | 1,573 |
| Cost of funding earning assets | 2.7088% | 3,124 |
| Net interest margin | 4.1243% | 2,607 |
| Noninterest income to average assets | 0.1380% | 7,414 |
| Noninterest expense to average assets | 2.5258% | 5,908 |
| Loan and lease loss provision to assets | 0.4679% | 2,958 |
| Net operating income to assets | 1.0102% | 2,512 |
| Return on assets (ROA) | 1.0455% | 2,270 |
| Pretax return on assets | 1.0455% | 3,224 |
| Return on Equity (ROE) | 10.8280% | 1,959 |
| Retained earnings to average equity (ytd only) | 4.0432% | 2,617 |
| Net charge-offs to loans | 0.3606% | 3,032 |
| Credit loss provision to net charge-offs | 168.2692% | 3,059 |
| Earnings coverage of net charge-offs (x) | 5.3154% | 3,689 |
| Efficiency ratio | 63.0426% | 5,768 |
| Assets per employee ($millions) | 4.8462% | 2,121 |
| Cash dividends to net income (ytd only)* | 62.6598% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 3,269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.0778% | 3,342 |
| Net loans and leases to deposits | 105.4554% | 1,171 |
| Net loans and leases to core deposits | 145.7976% | 1,020 |
| Total domestic deposits to total assets | 69.2974% | 7,353 |
| Equity capital to assets | 10.8635% | 3,154 |
| Core capital (leverage) ratio | 10.5965% | 2,909 |
| Tier 1 risk-based capital ratio | 12.6327% | 4,338 |
| Total risk-based capital ratio | 13.8548% | 4,273 |
| Memoranda: | ||
| Average total assets | $186,988,200 | 3,312 |
| Average earning assets | $175,279,000 | 3,257 |
| Average equity | $18,055,000 | 3,543 |
| Average total loans | $144,188,200 | 3,019 |