Home > The National Grand Bank of Marblehead > Performance and Condition Ratios
The National Grand Bank of Marblehead, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7145% | 4,262 |
| Cost of funding earning assets | 1.4041% | 2,219 |
| Net interest margin | 2.3104% | 4,252 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 1.8325% | 3,949 |
| Loan and lease loss provision to assets | -0.1300% | 4,536 |
| Net operating income to assets | 0.6324% | 3,358 |
| Return on assets (ROA) | 0.6439% | 3,307 |
| Pretax return on assets | 0.8142% | 3,177 |
| Return on Equity (ROE) | 7.4200% | 3,181 |
| Retained earnings to average equity (ytd only) | 0.9652% | 3,844 |
| Net charge-offs to loans | 0.0033% | 2,651 |
| Credit loss provision to net charge-offs | -5,310.0000% | 4,600 |
| Earnings coverage of net charge-offs (x) | 282.2000% | 455 |
| Efficiency ratio | 73.1392% | 1,542 |
| Assets per employee ($millions) | 10.8508% | 553 |
| Cash dividends to net income (ytd only)* | 87.0000% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4321% | 4,372 |
| Loan loss allowance to noncurrent loans | 719.3548% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,311 |
| Noncurrent loans to loans | 0.0601% | 3,288 |
| Net loans and leases to total assets | 72.8600% | 1,487 |
| Net loans and leases to deposits | 86.8724% | 1,547 |
| Net loans and leases to core deposits | 101.5710% | 1,351 |
| Total domestic deposits to total assets | 83.8700% | 2,658 |
| Equity capital to assets | 9.0162% | 2,665 |
| Core capital (leverage) ratio | 10.3938% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $419,314,200 | 1,955 |
| Average earning assets | $397,897,600 | 1,914 |
| Average equity | $36,365,400 | 2,004 |
| Average total loans | $305,720,800 | 1,768 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6477% | 4,263 |
| Cost of funding earning assets | 1.2531% | 2,276 |
| Net interest margin | 2.3947% | 4,233 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 1.8635% | 3,863 |
| Loan and lease loss provision to assets | -0.1800% | 4,583 |
| Net operating income to assets | 0.7117% | 3,291 |
| Return on assets (ROA) | 0.7117% | 3,280 |
| Pretax return on assets | 0.9026% | 3,096 |
| Return on Equity (ROE) | 8.2900% | 3,110 |
| Retained earnings to average equity (ytd only) | 0.7201% | 4,003 |
| Net charge-offs to loans | 0.0009% | 2,608 |
| Credit loss provision to net charge-offs | -28,650.0000% | 4,639 |
| Earnings coverage of net charge-offs (x) | 1,129.5000% | 138 |
| Efficiency ratio | 72.1318% | 1,548 |
| Assets per employee ($millions) | 10.4529% | 583 |
| Cash dividends to net income (ytd only)* | 91.3121% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4195% | 4,395 |
| Loan loss allowance to noncurrent loans | 672.6804% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 3,339 |
| Noncurrent loans to loans | 0.0624% | 3,307 |
| Net loans and leases to total assets | 74.0900% | 1,329 |
| Net loans and leases to deposits | 86.3671% | 1,529 |
| Net loans and leases to core deposits | 100.2190% | 1,310 |
| Total domestic deposits to total assets | 85.7900% | 2,258 |
| Equity capital to assets | 8.1774% | 2,942 |
| Core capital (leverage) ratio | 10.4059% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $418,347,500 | 1,959 |
| Average earning assets | $397,096,000 | 1,915 |
| Average equity | $35,918,000 | 2,014 |
| Average total loans | $304,733,500 | 1,777 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5752% | 4,276 |
| Cost of funding earning assets | 1.0544% | 2,436 |
| Net interest margin | 2.5208% | 4,187 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.8952% | 3,831 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.6510% | 3,455 |
| Return on assets (ROA) | 0.6510% | 3,460 |
| Pretax return on assets | 0.8178% | 3,364 |
| Return on Equity (ROE) | 7.4600% | 3,371 |
| Retained earnings to average equity (ytd only) | -0.3288% | 4,148 |
| Net charge-offs to loans | 0.0033% | 2,203 |
| Credit loss provision to net charge-offs | -480.0000% | 4,593 |
| Earnings coverage of net charge-offs (x) | 337.4000% | 413 |
| Efficiency ratio | 70.1522% | 1,751 |
| Assets per employee ($millions) | 11.1582% | 492 |
| Cash dividends to net income (ytd only)* | 104.4053% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6115% | 4,292 |
| Loan loss allowance to noncurrent loans | 934.3434% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 3,298 |
| Noncurrent loans to loans | 0.0654% | 3,235 |
| Net loans and leases to total assets | 72.8300% | 1,428 |
| Net loans and leases to deposits | 86.7753% | 1,443 |
| Net loans and leases to core deposits | 98.0191% | 1,344 |
| Total domestic deposits to total assets | 83.9300% | 2,835 |
| Equity capital to assets | 8.8142% | 2,649 |
| Core capital (leverage) ratio | 10.5421% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $418,425,000 | 1,956 |
| Average earning assets | $397,016,667 | 1,918 |
| Average equity | $36,493,667 | 1,999 |
| Average total loans | $302,614,333 | 1,770 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5333% | 4,230 |
| Cost of funding earning assets | 0.8335% | 2,586 |
| Net interest margin | 2.6998% | 4,075 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.7872% | 4,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8290% | 3,096 |
| Return on assets (ROA) | 0.8290% | 3,052 |
| Pretax return on assets | 1.0655% | 2,810 |
| Return on Equity (ROE) | 9.5600% | 2,910 |
| Retained earnings to average equity (ytd only) | -0.2955% | 4,064 |
| Net charge-offs to loans | -0.0026% | 3,476 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.6498% | 2,618 |
| Assets per employee ($millions) | 10.2961% | 633 |
| Cash dividends to net income (ytd only)* | 103.0928% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6248% | 4,333 |
| Loan loss allowance to noncurrent loans | 950.0000% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 3,307 |
| Noncurrent loans to loans | 0.0658% | 3,263 |
| Net loans and leases to total assets | 72.6500% | 1,355 |
| Net loans and leases to deposits | 81.7916% | 1,672 |
| Net loans and leases to core deposits | 90.9272% | 1,568 |
| Total domestic deposits to total assets | 88.8200% | 1,607 |
| Equity capital to assets | 8.9859% | 2,532 |
| Core capital (leverage) ratio | 10.4409% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $421,210,000 | 1,974 |
| Average earning assets | $399,739,000 | 1,937 |
| Average equity | $36,545,500 | 2,018 |
| Average total loans | $302,647,500 | 1,782 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2385% | 3,741 |
| Cost of funding earning assets | 0.2325% | 3,489 |
| Net interest margin | 3.0060% | 3,437 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.8062% | 4,022 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.0272% | 2,471 |
| Return on assets (ROA) | 1.0272% | 2,414 |
| Pretax return on assets | 1.3445% | 1,944 |
| Return on Equity (ROE) | 11.4900% | 2,308 |
| Retained earnings to average equity (ytd only) | 4.5619% | 3,217 |
| Net charge-offs to loans | -0.0023% | 3,477 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.9445% | 3,474 |
| Assets per employee ($millions) | 11.0404% | 498 |
| Cash dividends to net income (ytd only)* | 60.3105% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5983% | 4,340 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.2300% | 1,619 |
| Net loans and leases to deposits | 78.0591% | 1,943 |
| Net loans and leases to core deposits | 82.5576% | 1,965 |
| Total domestic deposits to total assets | 89.9700% | 1,381 |
| Equity capital to assets | 8.3802% | 2,783 |
| Core capital (leverage) ratio | 9.9097% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $420,160,000 | 1,956 |
| Average earning assets | $400,858,600 | 1,917 |
| Average equity | $37,550,000 | 2,016 |
| Average total loans | $298,692,200 | 1,725 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1110% | 3,650 |
| Cost of funding earning assets | 0.1681% | 3,649 |
| Net interest margin | 2.9429% | 3,376 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.8373% | 3,905 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.9512% | 2,666 |
| Return on assets (ROA) | 0.9512% | 2,633 |
| Pretax return on assets | 1.2412% | 2,228 |
| Return on Equity (ROE) | 10.4800% | 2,580 |
| Retained earnings to average equity (ytd only) | 3.1577% | 3,734 |
| Net charge-offs to loans | -0.0022% | 3,285 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.0638% | 3,234 |
| Assets per employee ($millions) | 10.9210% | 506 |
| Cash dividends to net income (ytd only)* | 69.8557% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6044% | 4,378 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 68.8500% | 1,577 |
| Net loans and leases to deposits | 77.2430% | 1,779 |
| Net loans and leases to core deposits | 80.7659% | 1,851 |
| Total domestic deposits to total assets | 89.1400% | 2,032 |
| Equity capital to assets | 7.6896% | 3,095 |
| Core capital (leverage) ratio | 10.1792% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $417,555,750 | 1,970 |
| Average earning assets | $398,961,000 | 1,931 |
| Average equity | $37,916,750 | 2,026 |
| Average total loans | $297,311,000 | 1,724 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0834% | 3,349 |
| Cost of funding earning assets | 0.1413% | 3,695 |
| Net interest margin | 2.9421% | 3,056 |
| Noninterest income to average assets | 0.2987% | 3,375 |
| Noninterest expense to average assets | 1.9162% | 3,663 |
| Loan and lease loss provision to assets | 0.0336% | 1,981 |
| Net operating income to assets | 0.8975% | 2,593 |
| Return on assets (ROA) | 0.8975% | 2,565 |
| Pretax return on assets | 1.1651% | 2,188 |
| Return on Equity (ROE) | 9.3753% | 2,571 |
| Retained earnings to average equity (ytd only) | 1.9767% | 3,759 |
| Net charge-offs to loans | -0.0027% | 3,186 |
| Credit loss provision to net charge-offs | -1,725.0000% | 3,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5180% | 3,108 |
| Assets per employee ($millions) | 9.9620% | 670 |
| Cash dividends to net income (ytd only)* | 78.9160% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5987% | 4,464 |
| Loan loss allowance to noncurrent loans | 1,136.7089% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,594 |
| Noncurrent loans to loans | 0.0527% | 3,555 |
| Net loans and leases to total assets | 73.0025% | 1,003 |
| Net loans and leases to deposits | 85.2185% | 1,038 |
| Net loans and leases to core deposits | 87.4566% | 1,246 |
| Total domestic deposits to total assets | 85.6650% | 3,335 |
| Equity capital to assets | 8.8982% | 2,452 |
| Core capital (leverage) ratio | 10.4515% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $411,128,000 | 2,005 |
| Average earning assets | $393,529,000 | 1,969 |
| Average equity | $39,358,667 | 2,027 |
| Average total loans | $295,544,333 | 1,727 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0444% | 3,124 |
| Cost of funding earning assets | 0.1393% | 3,642 |
| Net interest margin | 2.9050% | 2,823 |
| Noninterest income to average assets | 0.2832% | 3,435 |
| Noninterest expense to average assets | 1.7795% | 3,990 |
| Loan and lease loss provision to assets | 0.0242% | 1,924 |
| Net operating income to assets | 0.9707% | 1,996 |
| Return on assets (ROA) | 0.9707% | 1,993 |
| Pretax return on assets | 1.2694% | 1,596 |
| Return on Equity (ROE) | 9.7979% | 2,048 |
| Retained earnings to average equity (ytd only) | 2.7309% | 3,355 |
| Net charge-offs to loans | -0.0014% | 3,048 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9047% | 3,694 |
| Assets per employee ($millions) | 9.3708% | 804 |
| Cash dividends to net income (ytd only)* | 72.1279% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5959% | 4,509 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 3,637 |
| Noncurrent loans to loans | 0.0542% | 3,595 |
| Net loans and leases to total assets | 72.4072% | 795 |
| Net loans and leases to deposits | 81.6376% | 1,036 |
| Net loans and leases to core deposits | 83.9915% | 1,243 |
| Total domestic deposits to total assets | 88.6935% | 2,212 |
| Equity capital to assets | 9.6060% | 2,205 |
| Core capital (leverage) ratio | 10.3509% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $412,471,500 | 2,009 |
| Average earning assets | $396,143,000 | 1,968 |
| Average equity | $40,866,000 | 2,022 |
| Average total loans | $293,332,500 | 1,724 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0083% | 3,853 |
| Cost of funding earning assets | 0.1963% | 3,505 |
| Net interest margin | 2.8120% | 3,632 |
| Noninterest income to average assets | 0.2507% | 3,866 |
| Noninterest expense to average assets | 1.6994% | 4,298 |
| Loan and lease loss provision to assets | -0.0291% | 4,269 |
| Net operating income to assets | 0.9820% | 2,746 |
| Return on assets (ROA) | 0.9820% | 2,816 |
| Pretax return on assets | 1.2932% | 2,381 |
| Return on Equity (ROE) | 9.6662% | 2,648 |
| Retained earnings to average equity (ytd only) | 3.1978% | 3,551 |
| Net charge-offs to loans | -0.0032% | 3,448 |
| Credit loss provision to net charge-offs | 1,355.5556% | 419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3441% | 3,540 |
| Assets per employee ($millions) | 9.5908% | 759 |
| Cash dividends to net income (ytd only)* | 66.9177% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5877% | 4,549 |
| Loan loss allowance to noncurrent loans | 1,090.5063% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 3,758 |
| Noncurrent loans to loans | 0.0539% | 3,694 |
| Net loans and leases to total assets | 69.0600% | 1,142 |
| Net loans and leases to deposits | 78.5370% | 1,350 |
| Net loans and leases to core deposits | 80.8423% | 1,530 |
| Total domestic deposits to total assets | 87.9331% | 2,078 |
| Equity capital to assets | 10.1956% | 2,477 |
| Core capital (leverage) ratio | 10.1021% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $419,254,200 | 1,930 |
| Average earning assets | $404,474,600 | 1,894 |
| Average equity | $42,591,800 | 1,990 |
| Average total loans | $284,979,600 | 1,765 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0146% | 3,974 |
| Cost of funding earning assets | 0.2107% | 3,508 |
| Net interest margin | 2.8040% | 3,771 |
| Noninterest income to average assets | 0.2504% | 3,894 |
| Noninterest expense to average assets | 1.6981% | 4,332 |
| Loan and lease loss provision to assets | -0.0179% | 4,346 |
| Net operating income to assets | 0.9690% | 3,024 |
| Return on assets (ROA) | 0.9690% | 3,105 |
| Pretax return on assets | 1.2751% | 2,688 |
| Return on Equity (ROE) | 9.5470% | 2,908 |
| Retained earnings to average equity (ytd only) | 2.5735% | 4,035 |
| Net charge-offs to loans | -0.0038% | 3,352 |
| Credit loss provision to net charge-offs | 700.0000% | 639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4585% | 3,356 |
| Assets per employee ($millions) | 8.8866% | 928 |
| Cash dividends to net income (ytd only)* | 73.0440% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6312% | 4,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 67.3541% | 1,390 |
| Net loans and leases to deposits | 77.0181% | 1,572 |
| Net loans and leases to core deposits | 79.3992% | 1,786 |
| Total domestic deposits to total assets | 87.4523% | 2,132 |
| Equity capital to assets | 10.2002% | 2,709 |
| Core capital (leverage) ratio | 10.0195% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $418,568,500 | 1,950 |
| Average earning assets | $403,797,000 | 1,906 |
| Average equity | $42,483,500 | 2,021 |
| Average total loans | $282,936,000 | 1,811 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9679% | 4,101 |
| Cost of funding earning assets | 0.2217% | 3,545 |
| Net interest margin | 2.7463% | 3,887 |
| Noninterest income to average assets | 0.2430% | 3,944 |
| Noninterest expense to average assets | 1.7170% | 4,338 |
| Loan and lease loss provision to assets | -0.0138% | 4,416 |
| Net operating income to assets | 0.9067% | 3,196 |
| Return on assets (ROA) | 0.9067% | 3,274 |
| Pretax return on assets | 1.1899% | 2,939 |
| Return on Equity (ROE) | 8.9483% | 3,108 |
| Retained earnings to average equity (ytd only) | 2.4032% | 4,018 |
| Net charge-offs to loans | -0.0035% | 3,328 |
| Credit loss provision to net charge-offs | 580.0000% | 639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3497% | 3,107 |
| Assets per employee ($millions) | 9.5100% | 708 |
| Cash dividends to net income (ytd only)* | 73.1438% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6313% | 4,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 66.6495% | 1,614 |
| Net loans and leases to deposits | 76.1350% | 1,807 |
| Net loans and leases to core deposits | 78.6505% | 1,990 |
| Total domestic deposits to total assets | 87.5413% | 2,076 |
| Equity capital to assets | 9.9900% | 2,862 |
| Core capital (leverage) ratio | 9.7984% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $418,868,333 | 1,943 |
| Average earning assets | $404,186,667 | 1,896 |
| Average equity | $42,443,667 | 2,016 |
| Average total loans | $282,880,000 | 1,816 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0429% | 3,996 |
| Cost of funding earning assets | 0.2331% | 3,620 |
| Net interest margin | 2.8099% | 3,737 |
| Noninterest income to average assets | 0.2404% | 3,955 |
| Noninterest expense to average assets | 1.6200% | 4,507 |
| Loan and lease loss provision to assets | -0.0377% | 4,626 |
| Net operating income to assets | 1.0359% | 2,692 |
| Return on assets (ROA) | 1.0359% | 2,770 |
| Pretax return on assets | 1.3699% | 2,371 |
| Return on Equity (ROE) | 10.1491% | 2,648 |
| Retained earnings to average equity (ytd only) | 0.1703% | 4,348 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8725% | 3,690 |
| Assets per employee ($millions) | 10.0293% | 584 |
| Cash dividends to net income (ytd only)* | 98.3225% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6403% | 4,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 66.1586% | 1,780 |
| Net loans and leases to deposits | 75.8905% | 1,922 |
| Net loans and leases to core deposits | 78.4397% | 2,146 |
| Total domestic deposits to total assets | 87.1763% | 2,240 |
| Equity capital to assets | 9.9336% | 2,766 |
| Core capital (leverage) ratio | 9.9587% | 2,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $414,328,000 | 1,947 |
| Average earning assets | $399,875,500 | 1,903 |
| Average equity | $42,289,500 | 2,013 |
| Average total loans | $280,801,000 | 1,830 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3915% | 4,204 |
| Cost of funding earning assets | 0.4327% | 3,389 |
| Net interest margin | 2.9589% | 3,989 |
| Noninterest income to average assets | 0.2670% | 3,882 |
| Noninterest expense to average assets | 1.8386% | 4,408 |
| Loan and lease loss provision to assets | 0.0315% | 4,005 |
| Net operating income to assets | 0.9484% | 2,489 |
| Return on assets (ROA) | 0.9515% | 2,621 |
| Pretax return on assets | 1.2460% | 2,171 |
| Return on Equity (ROE) | 8.6367% | 2,539 |
| Retained earnings to average equity (ytd only) | 2.5119% | 3,596 |
| Net charge-offs to loans | -0.0087% | 4,233 |
| Credit loss provision to net charge-offs | -495.8333% | 3,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0793% | 3,579 |
| Assets per employee ($millions) | 10.1857% | 499 |
| Cash dividends to net income (ytd only)* | 70.9167% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6531% | 4,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 68.5499% | 1,755 |
| Net loans and leases to deposits | 80.3828% | 1,822 |
| Net loans and leases to core deposits | 83.5468% | 2,076 |
| Total domestic deposits to total assets | 85.2793% | 2,659 |
| Equity capital to assets | 10.4892% | 2,681 |
| Core capital (leverage) ratio | 10.0883% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,330,800 | 1,927 |
| Average earning assets | $363,788,800 | 1,890 |
| Average equity | $41,682,400 | 1,961 |
| Average total loans | $275,530,000 | 1,797 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 4,249 |
| Cost of funding earning assets | 0.4865% | 3,314 |
| Net interest margin | 2.9906% | 3,997 |
| Noninterest income to average assets | 0.2699% | 3,852 |
| Noninterest expense to average assets | 1.8987% | 4,327 |
| Loan and lease loss provision to assets | 0.0429% | 3,818 |
| Net operating income to assets | 0.9210% | 2,621 |
| Return on assets (ROA) | 0.9253% | 2,742 |
| Pretax return on assets | 1.2077% | 2,365 |
| Return on Equity (ROE) | 8.2891% | 2,691 |
| Retained earnings to average equity (ytd only) | 1.1428% | 4,205 |
| Net charge-offs to loans | -0.0083% | 4,179 |
| Credit loss provision to net charge-offs | -700.0000% | 3,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3955% | 3,332 |
| Assets per employee ($millions) | 9.9665% | 510 |
| Cash dividends to net income (ytd only)* | 86.2136% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6427% | 4,675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 69.1911% | 2,078 |
| Net loans and leases to deposits | 81.8744% | 2,112 |
| Net loans and leases to core deposits | 85.6250% | 2,331 |
| Total domestic deposits to total assets | 84.5088% | 2,630 |
| Equity capital to assets | 10.2632% | 2,996 |
| Core capital (leverage) ratio | 10.0423% | 2,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $371,056,750 | 1,936 |
| Average earning assets | $356,579,250 | 1,894 |
| Average equity | $41,419,000 | 1,955 |
| Average total loans | $274,130,750 | 1,799 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6119% | 4,243 |
| Cost of funding earning assets | 0.5603% | 3,178 |
| Net interest margin | 3.0516% | 4,007 |
| Noninterest income to average assets | 0.2795% | 3,797 |
| Noninterest expense to average assets | 1.9825% | 4,268 |
| Loan and lease loss provision to assets | 0.0502% | 3,674 |
| Net operating income to assets | 0.9021% | 2,677 |
| Return on assets (ROA) | 0.9087% | 2,778 |
| Pretax return on assets | 1.1809% | 2,425 |
| Return on Equity (ROE) | 7.8989% | 2,788 |
| Retained earnings to average equity (ytd only) | 0.6886% | 4,163 |
| Net charge-offs to loans | -0.0044% | 3,985 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8517% | 3,150 |
| Assets per employee ($millions) | 8.4686% | 815 |
| Cash dividends to net income (ytd only)* | 91.2830% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6345% | 4,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 73.5204% | 1,471 |
| Net loans and leases to deposits | 89.1180% | 1,435 |
| Net loans and leases to core deposits | 93.7110% | 1,769 |
| Total domestic deposits to total assets | 82.4978% | 3,237 |
| Equity capital to assets | 10.9541% | 2,385 |
| Core capital (leverage) ratio | 10.6343% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,534,000 | 1,964 |
| Average earning assets | $343,754,333 | 1,927 |
| Average equity | $41,246,000 | 1,949 |
| Average total loans | $270,654,000 | 1,795 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 4,220 |
| Cost of funding earning assets | 0.6753% | 3,032 |
| Net interest margin | 3.1324% | 4,031 |
| Noninterest income to average assets | 0.3110% | 3,653 |
| Noninterest expense to average assets | 2.0112% | 4,375 |
| Loan and lease loss provision to assets | 0.0576% | 3,039 |
| Net operating income to assets | 0.9607% | 2,314 |
| Return on assets (ROA) | 0.9607% | 2,419 |
| Pretax return on assets | 1.2452% | 2,047 |
| Return on Equity (ROE) | 8.1373% | 2,462 |
| Retained earnings to average equity (ytd only) | 3.7076% | 2,802 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6882% | 3,654 |
| Assets per employee ($millions) | 7.8796% | 774 |
| Cash dividends to net income (ytd only)* | 54.4365% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6575% | 4,679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 74.2679% | 1,565 |
| Net loans and leases to deposits | 91.6054% | 1,331 |
| Net loans and leases to core deposits | 98.9208% | 1,559 |
| Total domestic deposits to total assets | 81.0737% | 3,646 |
| Equity capital to assets | 11.7218% | 2,264 |
| Core capital (leverage) ratio | 11.5264% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $347,256,500 | 1,970 |
| Average earning assets | $332,912,500 | 1,921 |
| Average equity | $40,996,500 | 1,948 |
| Average total loans | $264,997,500 | 1,781 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9798% | 4,300 |
| Cost of funding earning assets | 0.7933% | 2,718 |
| Net interest margin | 3.1865% | 4,212 |
| Noninterest income to average assets | 0.3789% | 3,431 |
| Noninterest expense to average assets | 2.1093% | 4,346 |
| Loan and lease loss provision to assets | -0.0027% | 4,909 |
| Net operating income to assets | 1.0175% | 2,787 |
| Return on assets (ROA) | 1.0199% | 2,861 |
| Pretax return on assets | 1.3266% | 2,406 |
| Return on Equity (ROE) | 8.5905% | 2,912 |
| Retained earnings to average equity (ytd only) | 2.3816% | 3,829 |
| Net charge-offs to loans | -0.0078% | 4,410 |
| Credit loss provision to net charge-offs | 45.0000% | 3,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4914% | 3,454 |
| Assets per employee ($millions) | 7.7258% | 789 |
| Cash dividends to net income (ytd only)* | 72.2761% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6391% | 4,672 |
| Loan loss allowance to noncurrent loans | 56,433.3333% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,696 |
| Noncurrent loans to loans | 0.0011% | 4,614 |
| Net loans and leases to total assets | 77.4329% | 1,175 |
| Net loans and leases to deposits | 96.1647% | 923 |
| Net loans and leases to core deposits | 104.4433% | 1,204 |
| Total domestic deposits to total assets | 80.5212% | 3,873 |
| Equity capital to assets | 11.8935% | 2,205 |
| Core capital (leverage) ratio | 11.4688% | 2,134 |
| Tier 1 risk-based capital ratio | 21.0491% | 1,158 |
| Total risk-based capital ratio | 21.9656% | 1,181 |
| Memoranda: | ||
| Average total assets | $333,859,600 | 1,963 |
| Average earning assets | $319,690,400 | 1,923 |
| Average equity | $39,637,000 | 1,950 |
| Average total loans | $255,318,200 | 1,797 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9908% | 4,382 |
| Cost of funding earning assets | 0.8002% | 2,718 |
| Net interest margin | 3.1906% | 4,317 |
| Noninterest income to average assets | 0.3904% | 3,377 |
| Noninterest expense to average assets | 2.1199% | 4,329 |
| Loan and lease loss provision to assets | -0.0036% | 5,035 |
| Net operating income to assets | 1.0199% | 2,911 |
| Return on assets (ROA) | 1.0202% | 2,984 |
| Pretax return on assets | 1.3267% | 2,576 |
| Return on Equity (ROE) | 8.5971% | 3,059 |
| Retained earnings to average equity (ytd only) | 3.7864% | 3,502 |
| Net charge-offs to loans | -0.0105% | 4,387 |
| Credit loss provision to net charge-offs | 45.0000% | 2,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5779% | 3,391 |
| Assets per employee ($millions) | 7.5588% | 824 |
| Cash dividends to net income (ytd only)* | 55.9577% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6517% | 4,727 |
| Loan loss allowance to noncurrent loans | 169,200.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,787 |
| Noncurrent loans to loans | 0.0004% | 4,703 |
| Net loans and leases to total assets | 75.8300% | 1,515 |
| Net loans and leases to deposits | 94.8548% | 1,141 |
| Net loans and leases to core deposits | 102.5562% | 1,452 |
| Total domestic deposits to total assets | 79.9433% | 4,003 |
| Equity capital to assets | 11.9481% | 2,299 |
| Core capital (leverage) ratio | 11.5834% | 2,158 |
| Tier 1 risk-based capital ratio | 20.9674% | 1,196 |
| Total risk-based capital ratio | 21.8768% | 1,226 |
| Memoranda: | ||
| Average total assets | $332,341,250 | 1,981 |
| Average earning assets | $317,924,250 | 1,941 |
| Average equity | $39,438,750 | 1,968 |
| Average total loans | $252,919,500 | 1,826 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 4,415 |
| Cost of funding earning assets | 0.7730% | 2,786 |
| Net interest margin | 3.2073% | 4,353 |
| Noninterest income to average assets | 0.3930% | 3,315 |
| Noninterest expense to average assets | 2.1732% | 4,289 |
| Loan and lease loss provision to assets | -0.0055% | 5,107 |
| Net operating income to assets | 0.9978% | 2,930 |
| Return on assets (ROA) | 0.9978% | 2,996 |
| Pretax return on assets | 1.2956% | 2,573 |
| Return on Equity (ROE) | 8.4277% | 3,104 |
| Retained earnings to average equity (ytd only) | 3.6221% | 3,438 |
| Net charge-offs to loans | -0.0072% | 4,224 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7496% | 3,324 |
| Assets per employee ($millions) | 8.3222% | 596 |
| Cash dividends to net income (ytd only)* | 57.0213% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6634% | 4,769 |
| Loan loss allowance to noncurrent loans | 168,200.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,831 |
| Noncurrent loans to loans | 0.0004% | 4,742 |
| Net loans and leases to total assets | 75.6586% | 1,604 |
| Net loans and leases to deposits | 96.7981% | 952 |
| Net loans and leases to core deposits | 103.6943% | 1,412 |
| Total domestic deposits to total assets | 78.1612% | 4,363 |
| Equity capital to assets | 12.0226% | 2,166 |
| Core capital (leverage) ratio | 11.8991% | 1,890 |
| Tier 1 risk-based capital ratio | 21.2931% | 1,144 |
| Total risk-based capital ratio | 22.2211% | 1,165 |
| Memoranda: | ||
| Average total assets | $329,740,000 | 2,002 |
| Average earning assets | $315,650,330 | 1,962 |
| Average equity | $39,038,000 | 1,976 |
| Average total loans | $250,684,670 | 1,840 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 4,381 |
| Cost of funding earning assets | 0.7610% | 2,728 |
| Net interest margin | 3.2314% | 4,324 |
| Noninterest income to average assets | 0.3974% | 3,198 |
| Noninterest expense to average assets | 2.2123% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9824% | 2,915 |
| Return on assets (ROA) | 0.9824% | 2,957 |
| Pretax return on assets | 1.2750% | 2,550 |
| Return on Equity (ROE) | 8.3640% | 3,091 |
| Retained earnings to average equity (ytd only) | 3.6528% | 3,459 |
| Net charge-offs to loans | -0.0016% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4394% | 3,330 |
| Assets per employee ($millions) | 7.2757% | 886 |
| Cash dividends to net income (ytd only)* | 56.3275% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6777% | 4,816 |
| Loan loss allowance to noncurrent loans | 84,150.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,901 |
| Noncurrent loans to loans | 0.0008% | 4,811 |
| Net loans and leases to total assets | 75.3315% | 1,593 |
| Net loans and leases to deposits | 94.4695% | 1,116 |
| Net loans and leases to core deposits | 101.1670% | 1,525 |
| Total domestic deposits to total assets | 79.7417% | 4,217 |
| Equity capital to assets | 11.9375% | 2,060 |
| Core capital (leverage) ratio | 11.7352% | 1,950 |
| Tier 1 risk-based capital ratio | 21.3365% | 1,125 |
| Total risk-based capital ratio | 22.2764% | 1,140 |
| Memoranda: | ||
| Average total assets | $328,165,500 | 2,029 |
| Average earning assets | $313,800,500 | 1,982 |
| Average equity | $38,546,000 | 1,988 |
| Average total loans | $249,256,500 | 1,861 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 4,311 |
| Cost of funding earning assets | 0.5337% | 3,156 |
| Net interest margin | 3.3495% | 4,131 |
| Noninterest income to average assets | 0.5460% | 2,577 |
| Noninterest expense to average assets | 2.3162% | 4,084 |
| Loan and lease loss provision to assets | -0.0205% | 5,134 |
| Net operating income to assets | 1.1001% | 2,596 |
| Return on assets (ROA) | 1.1001% | 2,594 |
| Pretax return on assets | 1.4387% | 1,996 |
| Return on Equity (ROE) | 9.5709% | 2,707 |
| Retained earnings to average equity (ytd only) | 4.4848% | 3,060 |
| Net charge-offs to loans | 0.0012% | 3,728 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,848 |
| Earnings coverage of net charge-offs (x) | 1,518.6667% | 71 |
| Efficiency ratio | 62.0238% | 3,522 |
| Assets per employee ($millions) | 6.7128% | 1,106 |
| Cash dividends to net income (ytd only)* | 53.1409% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6723% | 4,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 75.5516% | 1,684 |
| Net loans and leases to deposits | 93.4975% | 1,337 |
| Net loans and leases to core deposits | 99.6939% | 1,735 |
| Total domestic deposits to total assets | 80.8060% | 3,933 |
| Equity capital to assets | 11.5552% | 2,217 |
| Core capital (leverage) ratio | 11.3901% | 2,189 |
| Tier 1 risk-based capital ratio | 20.7754% | 1,185 |
| Total risk-based capital ratio | 21.7014% | 1,214 |
| Memoranda: | ||
| Average total assets | $321,255,400 | 2,036 |
| Average earning assets | $305,809,200 | 1,994 |
| Average equity | $36,924,400 | 1,990 |
| Average total loans | $241,529,000 | 1,872 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 4,346 |
| Cost of funding earning assets | 0.4793% | 3,334 |
| Net interest margin | 3.3578% | 4,142 |
| Noninterest income to average assets | 0.5962% | 2,328 |
| Noninterest expense to average assets | 2.3089% | 4,075 |
| Loan and lease loss provision to assets | -0.0276% | 5,257 |
| Net operating income to assets | 1.1507% | 2,435 |
| Return on assets (ROA) | 1.1507% | 2,445 |
| Pretax return on assets | 1.5089% | 1,874 |
| Return on Equity (ROE) | 10.0252% | 2,613 |
| Retained earnings to average equity (ytd only) | 4.9544% | 3,262 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9165% | 3,668 |
| Assets per employee ($millions) | 6.6655% | 1,106 |
| Cash dividends to net income (ytd only)* | 50.5806% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6795% | 4,912 |
| Loan loss allowance to noncurrent loans | 56,166.6667% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,041 |
| Noncurrent loans to loans | 0.0012% | 4,950 |
| Net loans and leases to total assets | 75.4094% | 1,749 |
| Net loans and leases to deposits | 95.0993% | 1,256 |
| Net loans and leases to core deposits | 99.0557% | 1,866 |
| Total domestic deposits to total assets | 79.2954% | 4,257 |
| Equity capital to assets | 11.3423% | 2,365 |
| Core capital (leverage) ratio | 11.7552% | 1,959 |
| Tier 1 risk-based capital ratio | 20.6451% | 1,228 |
| Total risk-based capital ratio | 21.5751% | 1,253 |
| Memoranda: | ||
| Average total assets | $319,338,000 | 2,061 |
| Average earning assets | $303,761,750 | 2,013 |
| Average equity | $36,653,500 | 2,001 |
| Average total loans | $239,363,750 | 1,893 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8134% | 4,314 |
| Cost of funding earning assets | 0.4322% | 3,484 |
| Net interest margin | 3.3812% | 4,013 |
| Noninterest income to average assets | 0.6721% | 1,995 |
| Noninterest expense to average assets | 2.3552% | 4,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1707% | 2,311 |
| Return on assets (ROA) | 1.1707% | 2,311 |
| Pretax return on assets | 1.5361% | 1,691 |
| Return on Equity (ROE) | 10.1580% | 2,492 |
| Retained earnings to average equity (ytd only) | 4.0796% | 3,570 |
| Net charge-offs to loans | 0.0017% | 3,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,217.0000% | 64 |
| Efficiency ratio | 60.5255% | 3,848 |
| Assets per employee ($millions) | 6.9146% | 962 |
| Cash dividends to net income (ytd only)* | 59.8383% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7411% | 4,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 73.6889% | 1,997 |
| Net loans and leases to deposits | 91.1609% | 1,685 |
| Net loans and leases to core deposits | 94.5920% | 2,170 |
| Total domestic deposits to total assets | 80.8338% | 4,048 |
| Equity capital to assets | 11.5389% | 2,170 |
| Core capital (leverage) ratio | 11.5440% | 2,034 |
| Tier 1 risk-based capital ratio | 21.2528% | 1,133 |
| Total risk-based capital ratio | 22.2634% | 1,146 |
| Memoranda: | ||
| Average total assets | $316,914,670 | 2,082 |
| Average earning assets | $301,727,000 | 2,037 |
| Average equity | $36,523,000 | 2,008 |
| Average total loans | $236,492,330 | 1,913 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7871% | 4,256 |
| Cost of funding earning assets | 0.3803% | 3,733 |
| Net interest margin | 3.4068% | 3,863 |
| Noninterest income to average assets | 0.4312% | 3,231 |
| Noninterest expense to average assets | 2.2748% | 4,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0609% | 2,603 |
| Return on assets (ROA) | 1.0609% | 2,613 |
| Pretax return on assets | 1.3846% | 2,065 |
| Return on Equity (ROE) | 9.2113% | 2,802 |
| Retained earnings to average equity (ytd only) | 2.3385% | 4,227 |
| Net charge-offs to loans | 0.0118% | 2,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 156.4286% | 417 |
| Efficiency ratio | 62.1631% | 3,750 |
| Assets per employee ($millions) | 6.9858% | 964 |
| Cash dividends to net income (ytd only)* | 74.6126% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7371% | 4,950 |
| Loan loss allowance to noncurrent loans | 771.6814% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 4,731 |
| Noncurrent loans to loans | 0.0955% | 4,546 |
| Net loans and leases to total assets | 74.7123% | 1,753 |
| Net loans and leases to deposits | 94.2076% | 1,207 |
| Net loans and leases to core deposits | 97.0910% | 1,899 |
| Total domestic deposits to total assets | 79.3060% | 4,529 |
| Equity capital to assets | 11.5399% | 2,099 |
| Core capital (leverage) ratio | 11.5516% | 1,973 |
| Tier 1 risk-based capital ratio | 21.4693% | 1,124 |
| Total risk-based capital ratio | 22.5022% | 1,135 |
| Memoranda: | ||
| Average total assets | $316,336,500 | 2,095 |
| Average earning assets | $299,751,000 | 2,060 |
| Average equity | $36,433,500 | 2,019 |
| Average total loans | $236,672,000 | 1,917 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7384% | 4,247 |
| Cost of funding earning assets | 0.3186% | 3,966 |
| Net interest margin | 3.4198% | 3,787 |
| Noninterest income to average assets | 0.5813% | 2,544 |
| Noninterest expense to average assets | 2.0322% | 4,909 |
| Loan and lease loss provision to assets | 0.0051% | 4,155 |
| Net operating income to assets | 1.1709% | 1,614 |
| Return on assets (ROA) | 1.1709% | 1,636 |
| Pretax return on assets | 1.7665% | 863 |
| Return on Equity (ROE) | 10.4434% | 1,698 |
| Retained earnings to average equity (ytd only) | 5.2330% | 1,980 |
| Net charge-offs to loans | -0.0009% | 4,487 |
| Credit loss provision to net charge-offs | -800.0000% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4255% | 4,993 |
| Assets per employee ($millions) | 6.6315% | 1,134 |
| Cash dividends to net income (ytd only)* | 49.8918% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7397% | 4,980 |
| Loan loss allowance to noncurrent loans | 711.7886% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 4,731 |
| Noncurrent loans to loans | 0.1039% | 4,521 |
| Net loans and leases to total assets | 73.8215% | 1,948 |
| Net loans and leases to deposits | 93.0898% | 1,377 |
| Net loans and leases to core deposits | 95.7005% | 2,055 |
| Total domestic deposits to total assets | 79.3014% | 4,479 |
| Equity capital to assets | 11.4950% | 2,207 |
| Core capital (leverage) ratio | 11.4172% | 2,002 |
| Tier 1 risk-based capital ratio | 20.7155% | 1,192 |
| Total risk-based capital ratio | 21.7245% | 1,203 |
| Memoranda: | ||
| Average total assets | $315,817,800 | 2,088 |
| Average earning assets | $297,588,600 | 2,053 |
| Average equity | $35,409,800 | 2,055 |
| Average total loans | $232,689,800 | 1,921 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 4,256 |
| Cost of funding earning assets | 0.3074% | 4,057 |
| Net interest margin | 3.4167% | 3,788 |
| Noninterest income to average assets | 0.4340% | 3,442 |
| Noninterest expense to average assets | 2.1713% | 4,588 |
| Loan and lease loss provision to assets | 0.0072% | 3,983 |
| Net operating income to assets | 0.9742% | 2,670 |
| Return on assets (ROA) | 0.9742% | 2,726 |
| Pretax return on assets | 1.4759% | 1,862 |
| Return on Equity (ROE) | 8.7444% | 2,746 |
| Retained earnings to average equity (ytd only) | 3.7628% | 3,682 |
| Net charge-offs to loans | 0.0104% | 3,358 |
| Credit loss provision to net charge-offs | 94.4444% | 2,395 |
| Earnings coverage of net charge-offs (x) | 194.7729% | 445 |
| Efficiency ratio | 59.4166% | 4,304 |
| Assets per employee ($millions) | 6.7591% | 1,045 |
| Cash dividends to net income (ytd only)* | 56.9692% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7344% | 5,061 |
| Loan loss allowance to noncurrent loans | 690.0398% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 4,843 |
| Noncurrent loans to loans | 0.1064% | 4,634 |
| Net loans and leases to total assets | 73.6912% | 1,969 |
| Net loans and leases to deposits | 93.2833% | 1,385 |
| Net loans and leases to core deposits | 95.8217% | 2,096 |
| Total domestic deposits to total assets | 78.9972% | 4,530 |
| Equity capital to assets | 11.2769% | 2,593 |
| Core capital (leverage) ratio | 11.2766% | 2,202 |
| Tier 1 risk-based capital ratio | 20.3677% | 1,296 |
| Total risk-based capital ratio | 21.3731% | 1,307 |
| Memoranda: | ||
| Average total assets | $315,194,500 | 2,103 |
| Average earning assets | $297,085,000 | 2,069 |
| Average equity | $35,114,750 | 2,079 |
| Average total loans | $231,679,000 | 1,935 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6401% | 4,396 |
| Cost of funding earning assets | 0.2913% | 4,173 |
| Net interest margin | 3.3488% | 3,954 |
| Noninterest income to average assets | 0.4320% | 3,477 |
| Noninterest expense to average assets | 2.1707% | 4,625 |
| Loan and lease loss provision to assets | 0.0070% | 3,785 |
| Net operating income to assets | 0.9301% | 2,760 |
| Return on assets (ROA) | 0.9301% | 2,819 |
| Pretax return on assets | 1.4066% | 1,995 |
| Return on Equity (ROE) | 8.3834% | 2,839 |
| Retained earnings to average equity (ytd only) | 3.1768% | 3,820 |
| Net charge-offs to loans | 0.0217% | 2,789 |
| Credit loss provision to net charge-offs | 44.0000% | 2,613 |
| Earnings coverage of net charge-offs (x) | 88.8800% | 707 |
| Efficiency ratio | 60.5609% | 4,230 |
| Assets per employee ($millions) | 6.7237% | 1,047 |
| Cash dividends to net income (ytd only)* | 62.1067% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 5,100 |
| Loan loss allowance to noncurrent loans | 179.2492% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 3,910 |
| Noncurrent loans to loans | 0.4148% | 3,534 |
| Net loans and leases to total assets | 72.6092% | 2,106 |
| Net loans and leases to deposits | 88.8386% | 1,887 |
| Net loans and leases to core deposits | 90.9489% | 2,436 |
| Total domestic deposits to total assets | 81.7316% | 3,966 |
| Equity capital to assets | 11.1811% | 2,621 |
| Core capital (leverage) ratio | 11.1182% | 2,301 |
| Tier 1 risk-based capital ratio | 19.8320% | 1,400 |
| Total risk-based capital ratio | 20.8167% | 1,416 |
| Memoranda: | ||
| Average total assets | $314,367,000 | 2,107 |
| Average earning assets | $295,924,330 | 2,082 |
| Average equity | $34,878,330 | 2,083 |
| Average total loans | $230,294,670 | 1,941 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6370% | 4,315 |
| Cost of funding earning assets | 0.2815% | 4,240 |
| Net interest margin | 3.3554% | 3,819 |
| Noninterest income to average assets | 0.4274% | 3,462 |
| Noninterest expense to average assets | 2.1458% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9428% | 2,550 |
| Return on assets (ROA) | 0.9428% | 2,610 |
| Pretax return on assets | 1.4288% | 1,772 |
| Return on Equity (ROE) | 8.5309% | 2,658 |
| Retained earnings to average equity (ytd only) | 2.7128% | 4,053 |
| Net charge-offs to loans | 0.0157% | 2,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 124.4444% | 441 |
| Efficiency ratio | 60.0286% | 4,451 |
| Assets per employee ($millions) | 6.8485% | 1,015 |
| Cash dividends to net income (ytd only)* | 68.2003% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7580% | 5,179 |
| Loan loss allowance to noncurrent loans | 177.5489% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 3,956 |
| Noncurrent loans to loans | 0.4270% | 3,564 |
| Net loans and leases to total assets | 71.6446% | 2,121 |
| Net loans and leases to deposits | 85.3048% | 2,112 |
| Net loans and leases to core deposits | 87.2727% | 2,613 |
| Total domestic deposits to total assets | 83.9866% | 3,486 |
| Equity capital to assets | 11.0589% | 2,573 |
| Core capital (leverage) ratio | 11.0696% | 2,292 |
| Tier 1 risk-based capital ratio | 20.0001% | 1,389 |
| Total risk-based capital ratio | 21.0052% | 1,407 |
| Memoranda: | ||
| Average total assets | $313,543,000 | 2,130 |
| Average earning assets | $294,092,500 | 2,107 |
| Average equity | $34,650,500 | 2,100 |
| Average total loans | $229,854,500 | 1,957 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6600% | 4,340 |
| Cost of funding earning assets | 0.2924% | 4,149 |
| Net interest margin | 3.3676% | 3,929 |
| Noninterest income to average assets | 0.4262% | 3,706 |
| Noninterest expense to average assets | 2.2893% | 4,585 |
| Loan and lease loss provision to assets | 0.0299% | 3,755 |
| Net operating income to assets | 0.8619% | 3,017 |
| Return on assets (ROA) | 0.8623% | 3,124 |
| Pretax return on assets | 1.2826% | 2,341 |
| Return on Equity (ROE) | 7.6352% | 3,150 |
| Retained earnings to average equity (ytd only) | 3.4486% | 3,474 |
| Net charge-offs to loans | -0.0049% | 4,803 |
| Credit loss provision to net charge-offs | -827.2727% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5718% | 4,018 |
| Assets per employee ($millions) | 6.7838% | 1,013 |
| Cash dividends to net income (ytd only)* | 54.8326% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7461% | 5,246 |
| Loan loss allowance to noncurrent loans | 147.2387% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 3,764 |
| Noncurrent loans to loans | 0.5067% | 3,324 |
| Net loans and leases to total assets | 73.8810% | 1,867 |
| Net loans and leases to deposits | 88.9101% | 1,817 |
| Net loans and leases to core deposits | 90.9988% | 2,410 |
| Total domestic deposits to total assets | 83.0963% | 3,738 |
| Equity capital to assets | 11.0435% | 2,599 |
| Core capital (leverage) ratio | 10.9536% | 2,386 |
| Tier 1 risk-based capital ratio | 19.7631% | 1,424 |
| Total risk-based capital ratio | 20.7702% | 1,435 |
| Memoranda: | ||
| Average total assets | $304,766,600 | 2,141 |
| Average earning assets | $287,325,600 | 2,117 |
| Average equity | $34,419,600 | 2,111 |
| Average total loans | $225,523,600 | 1,942 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6486% | 4,414 |
| Cost of funding earning assets | 0.2949% | 4,158 |
| Net interest margin | 3.3536% | 4,020 |
| Noninterest income to average assets | 0.4287% | 3,707 |
| Noninterest expense to average assets | 2.3000% | 4,532 |
| Loan and lease loss provision to assets | 0.0022% | 4,169 |
| Net operating income to assets | 0.8648% | 3,075 |
| Return on assets (ROA) | 0.8648% | 3,204 |
| Pretax return on assets | 1.2891% | 2,476 |
| Return on Equity (ROE) | 7.6141% | 3,232 |
| Retained earnings to average equity (ytd only) | 4.0918% | 3,393 |
| Net charge-offs to loans | -0.0066% | 4,669 |
| Credit loss provision to net charge-offs | -45.4545% | 4,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0441% | 3,925 |
| Assets per employee ($millions) | 6.9476% | 908 |
| Cash dividends to net income (ytd only)* | 46.2596% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7007% | 5,426 |
| Loan loss allowance to noncurrent loans | 137.1357% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 3,883 |
| Noncurrent loans to loans | 0.5109% | 3,468 |
| Net loans and leases to total assets | 74.6562% | 1,765 |
| Net loans and leases to deposits | 95.4771% | 1,101 |
| Net loans and leases to core deposits | 97.8617% | 1,826 |
| Total domestic deposits to total assets | 78.1928% | 4,881 |
| Equity capital to assets | 11.2470% | 2,749 |
| Core capital (leverage) ratio | 11.2391% | 2,240 |
| Tier 1 risk-based capital ratio | 19.5229% | 1,546 |
| Total risk-based capital ratio | 20.4737% | 1,578 |
| Memoranda: | ||
| Average total assets | $302,944,250 | 2,159 |
| Average earning assets | $285,694,750 | 2,132 |
| Average equity | $34,409,000 | 2,123 |
| Average total loans | $223,833,750 | 1,959 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6545% | 4,435 |
| Cost of funding earning assets | 0.2983% | 4,153 |
| Net interest margin | 3.3562% | 4,035 |
| Noninterest income to average assets | 0.4344% | 3,638 |
| Noninterest expense to average assets | 2.3469% | 4,477 |
| Loan and lease loss provision to assets | 0.0033% | 3,973 |
| Net operating income to assets | 0.8388% | 3,135 |
| Return on assets (ROA) | 0.8388% | 3,271 |
| Pretax return on assets | 1.2452% | 2,620 |
| Return on Equity (ROE) | 7.3600% | 3,338 |
| Retained earnings to average equity (ytd only) | 3.2262% | 3,840 |
| Net charge-offs to loans | -0.0218% | 4,981 |
| Credit loss provision to net charge-offs | -20.8333% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2747% | 3,795 |
| Assets per employee ($millions) | 6.4384% | 1,116 |
| Cash dividends to net income (ytd only)* | 56.1655% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7441% | 5,425 |
| Loan loss allowance to noncurrent loans | 134.9593% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 3,866 |
| Noncurrent loans to loans | 0.5514% | 3,413 |
| Net loans and leases to total assets | 73.1721% | 1,991 |
| Net loans and leases to deposits | 90.8071% | 1,650 |
| Net loans and leases to core deposits | 93.3817% | 2,222 |
| Total domestic deposits to total assets | 80.5798% | 4,394 |
| Equity capital to assets | 11.5324% | 2,512 |
| Core capital (leverage) ratio | 11.2392% | 2,204 |
| Tier 1 risk-based capital ratio | 20.8589% | 1,287 |
| Total risk-based capital ratio | 21.8980% | 1,300 |
| Memoranda: | ||
| Average total assets | $299,711,000 | 2,185 |
| Average earning assets | $282,283,000 | 2,157 |
| Average equity | $34,157,670 | 2,139 |
| Average total loans | $220,093,330 | 1,981 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6795% | 4,392 |
| Cost of funding earning assets | 0.3000% | 4,163 |
| Net interest margin | 3.3795% | 3,940 |
| Noninterest income to average assets | 0.4345% | 3,579 |
| Noninterest expense to average assets | 2.3442% | 4,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8583% | 2,955 |
| Return on assets (ROA) | 0.8583% | 3,072 |
| Pretax return on assets | 1.2781% | 2,396 |
| Return on Equity (ROE) | 7.5768% | 3,146 |
| Retained earnings to average equity (ytd only) | 1.6219% | 4,624 |
| Net charge-offs to loans | -0.0311% | 5,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7168% | 4,015 |
| Assets per employee ($millions) | 6.5113% | 1,104 |
| Cash dividends to net income (ytd only)* | 78.5938% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7481% | 5,502 |
| Loan loss allowance to noncurrent loans | 133.4413% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 3,937 |
| Noncurrent loans to loans | 0.5606% | 3,507 |
| Net loans and leases to total assets | 72.9969% | 1,888 |
| Net loans and leases to deposits | 88.9254% | 1,713 |
| Net loans and leases to core deposits | 91.2232% | 2,254 |
| Total domestic deposits to total assets | 82.0877% | 4,197 |
| Equity capital to assets | 11.3915% | 2,545 |
| Core capital (leverage) ratio | 11.1498% | 2,263 |
| Tier 1 risk-based capital ratio | 20.9754% | 1,324 |
| Total risk-based capital ratio | 22.0266% | 1,322 |
| Memoranda: | ||
| Average total assets | $298,263,000 | 2,199 |
| Average earning assets | $281,339,500 | 2,172 |
| Average equity | $33,787,500 | 2,154 |
| Average total loans | $218,598,000 | 1,994 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 4,588 |
| Cost of funding earning assets | 0.2645% | 4,647 |
| Net interest margin | 3.3668% | 4,053 |
| Noninterest income to average assets | 0.5056% | 3,286 |
| Noninterest expense to average assets | 2.3354% | 4,690 |
| Loan and lease loss provision to assets | 0.0550% | 3,213 |
| Net operating income to assets | 0.8898% | 2,931 |
| Return on assets (ROA) | 0.8912% | 3,000 |
| Pretax return on assets | 1.2998% | 2,282 |
| Return on Equity (ROE) | 7.8463% | 3,043 |
| Retained earnings to average equity (ytd only) | 2.5892% | 4,228 |
| Net charge-offs to loans | -0.0014% | 4,853 |
| Credit loss provision to net charge-offs | -5,333.3333% | 5,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3218% | 4,394 |
| Assets per employee ($millions) | 6.3193% | 1,187 |
| Cash dividends to net income (ytd only)* | 67.0012% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7519% | 5,533 |
| Loan loss allowance to noncurrent loans | 88.6895% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 3,210 |
| Noncurrent loans to loans | 0.8478% | 2,667 |
| Net loans and leases to total assets | 72.4823% | 1,971 |
| Net loans and leases to deposits | 88.4040% | 1,823 |
| Net loans and leases to core deposits | 90.6013% | 2,354 |
| Total domestic deposits to total assets | 81.9899% | 4,168 |
| Equity capital to assets | 11.2641% | 2,573 |
| Core capital (leverage) ratio | 11.1233% | 2,285 |
| Tier 1 risk-based capital ratio | 21.2327% | 1,258 |
| Total risk-based capital ratio | 22.2930% | 1,270 |
| Memoranda: | ||
| Average total assets | $290,738,600 | 2,204 |
| Average earning assets | $274,832,400 | 2,170 |
| Average equity | $33,022,000 | 2,146 |
| Average total loans | $208,676,600 | 2,004 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6080% | 4,712 |
| Cost of funding earning assets | 0.2588% | 4,782 |
| Net interest margin | 3.3492% | 4,145 |
| Noninterest income to average assets | 0.4500% | 3,719 |
| Noninterest expense to average assets | 2.3275% | 4,714 |
| Loan and lease loss provision to assets | 0.0461% | 3,284 |
| Net operating income to assets | 0.8313% | 3,277 |
| Return on assets (ROA) | 0.8332% | 3,347 |
| Pretax return on assets | 1.2481% | 2,608 |
| Return on Equity (ROE) | 7.3199% | 3,453 |
| Retained earnings to average equity (ytd only) | 3.2407% | 4,151 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3139% | 4,190 |
| Assets per employee ($millions) | 6.1385% | 1,277 |
| Cash dividends to net income (ytd only)* | 55.7277% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7316% | 5,653 |
| Loan loss allowance to noncurrent loans | 83.5376% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 3,352 |
| Noncurrent loans to loans | 0.8758% | 2,790 |
| Net loans and leases to total assets | 72.2055% | 2,030 |
| Net loans and leases to deposits | 86.5676% | 2,085 |
| Net loans and leases to core deposits | 88.7439% | 2,583 |
| Total domestic deposits to total assets | 83.4094% | 3,652 |
| Equity capital to assets | 11.3980% | 2,590 |
| Core capital (leverage) ratio | 11.0775% | 2,404 |
| Tier 1 risk-based capital ratio | 21.1568% | 1,319 |
| Total risk-based capital ratio | 22.1759% | 1,329 |
| Memoranda: | ||
| Average total assets | $289,172,000 | 2,230 |
| Average earning assets | $273,610,750 | 2,199 |
| Average equity | $32,913,750 | 2,169 |
| Average total loans | $206,619,000 | 2,029 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6089% | 4,696 |
| Cost of funding earning assets | 0.2501% | 4,942 |
| Net interest margin | 3.3589% | 4,060 |
| Noninterest income to average assets | 0.4524% | 3,684 |
| Noninterest expense to average assets | 2.3797% | 4,619 |
| Loan and lease loss provision to assets | 0.0696% | 2,718 |
| Net operating income to assets | 0.7911% | 3,432 |
| Return on assets (ROA) | 0.7921% | 3,522 |
| Pretax return on assets | 1.1832% | 2,844 |
| Return on Equity (ROE) | 6.9623% | 3,634 |
| Retained earnings to average equity (ytd only) | 2.0373% | 4,679 |
| Net charge-offs to loans | 0.0049% | 3,727 |
| Credit loss provision to net charge-offs | 2,000.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 359.6000% | 192 |
| Efficiency ratio | 65.5357% | 4,096 |
| Assets per employee ($millions) | 6.3305% | 1,131 |
| Cash dividends to net income (ytd only)* | 70.7381% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7544% | 5,704 |
| Loan loss allowance to noncurrent loans | 102.0235% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 3,862 |
| Noncurrent loans to loans | 0.7395% | 3,263 |
| Net loans and leases to total assets | 70.6085% | 2,223 |
| Net loans and leases to deposits | 85.8714% | 2,067 |
| Net loans and leases to core deposits | 87.9929% | 2,553 |
| Total domestic deposits to total assets | 82.2258% | 4,223 |
| Equity capital to assets | 11.2568% | 2,610 |
| Core capital (leverage) ratio | 11.2839% | 2,177 |
| Tier 1 risk-based capital ratio | 22.1316% | 1,187 |
| Total risk-based capital ratio | 23.2098% | 1,195 |
| Memoranda: | ||
| Average total assets | $287,346,670 | 2,253 |
| Average earning assets | $271,937,000 | 2,219 |
| Average equity | $32,690,330 | 2,187 |
| Average total loans | $204,052,000 | 2,052 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6704% | 4,469 |
| Cost of funding earning assets | 0.2428% | 5,095 |
| Net interest margin | 3.4276% | 3,727 |
| Noninterest income to average assets | 0.4485% | 3,642 |
| Noninterest expense to average assets | 2.3741% | 4,672 |
| Loan and lease loss provision to assets | 0.0701% | 2,537 |
| Net operating income to assets | 0.8297% | 3,116 |
| Return on assets (ROA) | 0.8297% | 3,241 |
| Pretax return on assets | 1.2487% | 2,473 |
| Return on Equity (ROE) | 7.2537% | 3,365 |
| Retained earnings to average equity (ytd only) | 1.1028% | 5,042 |
| Net charge-offs to loans | 0.0099% | 3,008 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 188.2000% | 300 |
| Efficiency ratio | 64.2884% | 4,437 |
| Assets per employee ($millions) | 5.9290% | 1,442 |
| Cash dividends to net income (ytd only)* | 84.7973% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7520% | 5,807 |
| Loan loss allowance to noncurrent loans | 113.2485% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 4,150 |
| Noncurrent loans to loans | 0.6640% | 3,624 |
| Net loans and leases to total assets | 70.1656% | 2,118 |
| Net loans and leases to deposits | 82.6162% | 2,261 |
| Net loans and leases to core deposits | 84.2364% | 2,740 |
| Total domestic deposits to total assets | 84.9296% | 3,442 |
| Equity capital to assets | 11.5415% | 2,431 |
| Core capital (leverage) ratio | 11.2544% | 2,188 |
| Tier 1 risk-based capital ratio | 22.4941% | 1,171 |
| Total risk-based capital ratio | 23.5643% | 1,185 |
| Memoranda: | ||
| Average total assets | $285,418,500 | 2,284 |
| Average earning assets | $270,158,000 | 2,248 |
| Average equity | $32,645,500 | 2,199 |
| Average total loans | $202,489,500 | 2,069 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6344% | 4,984 |
| Cost of funding earning assets | 0.2479% | 5,349 |
| Net interest margin | 3.3865% | 4,245 |
| Noninterest income to average assets | 0.5040% | 3,473 |
| Noninterest expense to average assets | 2.3184% | 5,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9120% | 2,819 |
| Return on assets (ROA) | 0.9177% | 2,886 |
| Pretax return on assets | 1.4028% | 1,877 |
| Return on Equity (ROE) | 8.2076% | 3,018 |
| Retained earnings to average equity (ytd only) | 2.8110% | 4,239 |
| Net charge-offs to loans | 0.0281% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 71.1250% | 699 |
| Efficiency ratio | 62.4493% | 4,835 |
| Assets per employee ($millions) | 5.9635% | 1,404 |
| Cash dividends to net income (ytd only)* | 65.7513% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7204% | 5,950 |
| Loan loss allowance to noncurrent loans | 93.6822% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5474% | 3,976 |
| Noncurrent loans to loans | 0.7690% | 3,391 |
| Net loans and leases to total assets | 70.6780% | 2,130 |
| Net loans and leases to deposits | 83.5856% | 2,265 |
| Net loans and leases to core deposits | 85.1292% | 2,773 |
| Total domestic deposits to total assets | 84.5577% | 3,480 |
| Equity capital to assets | 11.3347% | 2,578 |
| Core capital (leverage) ratio | 11.0460% | 2,361 |
| Tier 1 risk-based capital ratio | 21.1491% | 1,376 |
| Total risk-based capital ratio | 22.1313% | 1,405 |
| Memoranda: | ||
| Average total assets | $285,708,800 | 2,238 |
| Average earning assets | $270,693,000 | 2,193 |
| Average equity | $31,946,000 | 2,167 |
| Average total loans | $199,308,000 | 2,045 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6252% | 5,082 |
| Cost of funding earning assets | 0.2525% | 5,378 |
| Net interest margin | 3.3727% | 4,342 |
| Noninterest income to average assets | 0.5168% | 3,430 |
| Noninterest expense to average assets | 2.2966% | 5,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9224% | 2,810 |
| Return on assets (ROA) | 0.9300% | 2,866 |
| Pretax return on assets | 1.4254% | 1,904 |
| Return on Equity (ROE) | 8.3464% | 3,012 |
| Retained earnings to average equity (ytd only) | 4.1271% | 3,718 |
| Net charge-offs to loans | 0.0283% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 72.0934% | 760 |
| Efficiency ratio | 61.8976% | 4,900 |
| Assets per employee ($millions) | 6.0455% | 1,305 |
| Cash dividends to net income (ytd only)* | 50.5522% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7374% | 6,020 |
| Loan loss allowance to noncurrent loans | 109.6965% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 4,498 |
| Noncurrent loans to loans | 0.6722% | 3,929 |
| Net loans and leases to total assets | 68.7483% | 2,427 |
| Net loans and leases to deposits | 82.4204% | 2,372 |
| Net loans and leases to core deposits | 83.5358% | 2,941 |
| Total domestic deposits to total assets | 83.4118% | 3,988 |
| Equity capital to assets | 11.1402% | 2,829 |
| Core capital (leverage) ratio | 11.0671% | 2,420 |
| Tier 1 risk-based capital ratio | 19.7816% | 1,720 |
| Total risk-based capital ratio | 20.7075% | 1,763 |
| Memoranda: | ||
| Average total assets | $285,574,500 | 2,251 |
| Average earning assets | $270,399,750 | 2,209 |
| Average equity | $31,821,250 | 2,183 |
| Average total loans | $198,189,750 | 2,063 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6249% | 5,086 |
| Cost of funding earning assets | 0.2480% | 5,507 |
| Net interest margin | 3.3768% | 4,278 |
| Noninterest income to average assets | 0.5204% | 3,340 |
| Noninterest expense to average assets | 2.2863% | 5,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9356% | 2,622 |
| Return on assets (ROA) | 0.9393% | 2,709 |
| Pretax return on assets | 1.4414% | 1,749 |
| Return on Equity (ROE) | 8.4290% | 2,880 |
| Retained earnings to average equity (ytd only) | 4.6062% | 3,228 |
| Net charge-offs to loans | 0.0365% | 3,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 56.6389% | 837 |
| Efficiency ratio | 61.4264% | 5,087 |
| Assets per employee ($millions) | 6.0074% | 1,272 |
| Cash dividends to net income (ytd only)* | 45.3523% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7410% | 6,109 |
| Loan loss allowance to noncurrent loans | 133.8129% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.3856% | 4,862 |
| Noncurrent loans to loans | 0.5538% | 4,355 |
| Net loans and leases to total assets | 69.1224% | 2,217 |
| Net loans and leases to deposits | 81.5881% | 2,305 |
| Net loans and leases to core deposits | 83.1764% | 2,828 |
| Total domestic deposits to total assets | 84.7213% | 3,628 |
| Equity capital to assets | 11.1897% | 2,705 |
| Core capital (leverage) ratio | 11.1054% | 2,324 |
| Tier 1 risk-based capital ratio | 19.7935% | 1,734 |
| Total risk-based capital ratio | 20.7314% | 1,775 |
| Memoranda: | ||
| Average total assets | $284,038,330 | 2,260 |
| Average earning assets | $269,305,000 | 2,216 |
| Average equity | $31,652,670 | 2,179 |
| Average total loans | $197,260,330 | 2,070 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6262% | 5,081 |
| Cost of funding earning assets | 0.2442% | 5,645 |
| Net interest margin | 3.3819% | 4,212 |
| Noninterest income to average assets | 0.5392% | 3,114 |
| Noninterest expense to average assets | 2.2989% | 5,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9380% | 2,465 |
| Return on assets (ROA) | 0.9380% | 2,540 |
| Pretax return on assets | 1.4432% | 1,598 |
| Return on Equity (ROE) | 8.4349% | 2,720 |
| Retained earnings to average equity (ytd only) | 5.8444% | 2,625 |
| Net charge-offs to loans | 0.0471% | 2,730 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 44.2174% | 825 |
| Efficiency ratio | 61.4334% | 5,213 |
| Assets per employee ($millions) | 5.8613% | 1,404 |
| Cash dividends to net income (ytd only)* | 30.7110% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7678% | 6,160 |
| Loan loss allowance to noncurrent loans | 124.6678% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 4,856 |
| Noncurrent loans to loans | 0.6158% | 4,321 |
| Net loans and leases to total assets | 68.9562% | 2,064 |
| Net loans and leases to deposits | 78.7821% | 2,452 |
| Net loans and leases to core deposits | 80.3007% | 2,934 |
| Total domestic deposits to total assets | 87.5277% | 2,493 |
| Equity capital to assets | 11.2585% | 2,471 |
| Core capital (leverage) ratio | 11.2523% | 2,170 |
| Tier 1 risk-based capital ratio | 19.9968% | 1,718 |
| Total risk-based capital ratio | 20.9613% | 1,760 |
| Memoranda: | ||
| Average total assets | $281,880,000 | 2,287 |
| Average earning assets | $266,949,500 | 2,240 |
| Average equity | $31,346,000 | 2,189 |
| Average total loans | $195,487,500 | 2,089 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7281% | 5,042 |
| Cost of funding earning assets | 0.3041% | 5,559 |
| Net interest margin | 3.4239% | 4,187 |
| Noninterest income to average assets | 0.6316% | 2,907 |
| Noninterest expense to average assets | 2.4543% | 4,913 |
| Loan and lease loss provision to assets | 0.0176% | 4,780 |
| Net operating income to assets | 0.9075% | 2,740 |
| Return on assets (ROA) | 0.9075% | 2,826 |
| Pretax return on assets | 1.3930% | 1,805 |
| Return on Equity (ROE) | 8.3962% | 2,832 |
| Retained earnings to average equity (ytd only) | 4.7454% | 2,780 |
| Net charge-offs to loans | 0.0629% | 4,332 |
| Credit loss provision to net charge-offs | 40.3226% | 4,039 |
| Earnings coverage of net charge-offs (x) | 32.4032% | 1,107 |
| Efficiency ratio | 63.5026% | 4,988 |
| Assets per employee ($millions) | 5.8837% | 1,350 |
| Cash dividends to net income (ytd only)* | 43.4816% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7797% | 6,216 |
| Loan loss allowance to noncurrent loans | 120.8565% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 4,903 |
| Noncurrent loans to loans | 0.6451% | 4,367 |
| Net loans and leases to total assets | 68.6739% | 2,228 |
| Net loans and leases to deposits | 78.1416% | 2,706 |
| Net loans and leases to core deposits | 79.5607% | 3,183 |
| Total domestic deposits to total assets | 87.8838% | 2,249 |
| Equity capital to assets | 10.9827% | 2,625 |
| Core capital (leverage) ratio | 10.8936% | 2,482 |
| Tier 1 risk-based capital ratio | 19.7201% | 1,727 |
| Total risk-based capital ratio | 20.7029% | 1,762 |
| Memoranda: | ||
| Average total assets | $284,845,200 | 2,233 |
| Average earning assets | $268,987,800 | 2,192 |
| Average equity | $30,787,600 | 2,209 |
| Average total loans | $197,022,000 | 2,027 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7430% | 5,053 |
| Cost of funding earning assets | 0.3134% | 5,611 |
| Net interest margin | 3.4296% | 4,167 |
| Noninterest income to average assets | 0.6404% | 2,928 |
| Noninterest expense to average assets | 2.4251% | 4,941 |
| Loan and lease loss provision to assets | 0.0234% | 4,543 |
| Net operating income to assets | 0.9276% | 2,698 |
| Return on assets (ROA) | 0.9276% | 2,811 |
| Pretax return on assets | 1.4269% | 1,843 |
| Return on Equity (ROE) | 8.6167% | 2,828 |
| Retained earnings to average equity (ytd only) | 5.9874% | 2,415 |
| Net charge-offs to loans | 0.0554% | 4,118 |
| Credit loss provision to net charge-offs | 60.9756% | 3,278 |
| Earnings coverage of net charge-offs (x) | 37.8661% | 1,046 |
| Efficiency ratio | 62.5768% | 5,056 |
| Assets per employee ($millions) | 6.1833% | 1,119 |
| Cash dividends to net income (ytd only)* | 30.5136% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7924% | 6,298 |
| Loan loss allowance to noncurrent loans | 180.4147% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 5,507 |
| Noncurrent loans to loans | 0.4392% | 5,099 |
| Net loans and leases to total assets | 68.9278% | 2,154 |
| Net loans and leases to deposits | 78.4585% | 2,593 |
| Net loans and leases to core deposits | 80.0082% | 3,133 |
| Total domestic deposits to total assets | 87.8526% | 2,219 |
| Equity capital to assets | 10.9116% | 2,847 |
| Core capital (leverage) ratio | 10.9492% | 2,530 |
| Tier 1 risk-based capital ratio | 19.6625% | 1,825 |
| Total risk-based capital ratio | 20.6732% | 1,850 |
| Memoranda: | ||
| Average total assets | $285,452,500 | 2,245 |
| Average earning assets | $269,257,500 | 2,194 |
| Average equity | $30,730,250 | 2,235 |
| Average total loans | $197,410,000 | 2,022 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8048% | 4,812 |
| Cost of funding earning assets | 0.3226% | 5,639 |
| Net interest margin | 3.4821% | 3,854 |
| Noninterest income to average assets | 0.6333% | 3,004 |
| Noninterest expense to average assets | 2.4444% | 4,916 |
| Loan and lease loss provision to assets | 0.0350% | 4,246 |
| Net operating income to assets | 0.9384% | 2,623 |
| Return on assets (ROA) | 0.9384% | 2,765 |
| Pretax return on assets | 1.4395% | 1,799 |
| Return on Equity (ROE) | 8.7566% | 2,730 |
| Retained earnings to average equity (ytd only) | 6.1185% | 2,364 |
| Net charge-offs to loans | 0.0780% | 3,600 |
| Credit loss provision to net charge-offs | 64.9351% | 2,928 |
| Earnings coverage of net charge-offs (x) | 27.3636% | 1,219 |
| Efficiency ratio | 62.3750% | 5,116 |
| Assets per employee ($millions) | 5.7930% | 1,352 |
| Cash dividends to net income (ytd only)* | 30.1268% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7925% | 6,368 |
| Loan loss allowance to noncurrent loans | 177.3138% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 5,519 |
| Noncurrent loans to loans | 0.4469% | 5,146 |
| Net loans and leases to total assets | 70.7283% | 1,762 |
| Net loans and leases to deposits | 80.5140% | 2,250 |
| Net loans and leases to core deposits | 82.5987% | 2,739 |
| Total domestic deposits to total assets | 87.8460% | 2,354 |
| Equity capital to assets | 10.9939% | 2,755 |
| Core capital (leverage) ratio | 10.8031% | 2,561 |
| Tier 1 risk-based capital ratio | 19.5330% | 1,849 |
| Total risk-based capital ratio | 20.5553% | 1,876 |
| Memoranda: | ||
| Average total assets | $285,793,000 | 2,248 |
| Average earning assets | $269,661,000 | 2,196 |
| Average equity | $30,628,330 | 2,244 |
| Average total loans | $197,340,670 | 2,030 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 5,164 |
| Cost of funding earning assets | 0.3213% | 5,798 |
| Net interest margin | 3.3784% | 4,202 |
| Noninterest income to average assets | 0.5828% | 3,232 |
| Noninterest expense to average assets | 2.2578% | 5,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9957% | 2,241 |
| Return on assets (ROA) | 0.9957% | 2,360 |
| Pretax return on assets | 1.5190% | 1,517 |
| Return on Equity (ROE) | 9.4072% | 2,314 |
| Retained earnings to average equity (ytd only) | 6.7716% | 2,267 |
| Net charge-offs to loans | -0.0203% | 5,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7806% | 5,616 |
| Assets per employee ($millions) | 5.9039% | 1,335 |
| Cash dividends to net income (ytd only)* | 28.0166% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 6,423 |
| Loan loss allowance to noncurrent loans | 87.6772% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6472% | 4,751 |
| Noncurrent loans to loans | 0.9355% | 4,264 |
| Net loans and leases to total assets | 68.6126% | 1,904 |
| Net loans and leases to deposits | 78.0855% | 2,328 |
| Net loans and leases to core deposits | 80.1325% | 2,789 |
| Total domestic deposits to total assets | 87.8686% | 2,402 |
| Equity capital to assets | 10.8985% | 3,081 |
| Core capital (leverage) ratio | 10.4693% | 2,822 |
| Tier 1 risk-based capital ratio | 18.7492% | 2,109 |
| Total risk-based capital ratio | 19.7673% | 2,155 |
| Memoranda: | ||
| Average total assets | $289,657,500 | 2,254 |
| Average earning assets | $273,854,000 | 2,190 |
| Average equity | $30,657,500 | 2,263 |
| Average total loans | $196,890,500 | 2,052 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0220% | 5,233 |
| Cost of funding earning assets | 0.4346% | 5,686 |
| Net interest margin | 3.5875% | 4,141 |
| Noninterest income to average assets | 0.6313% | 3,101 |
| Noninterest expense to average assets | 2.4774% | 5,171 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9830% | 2,415 |
| Return on assets (ROA) | 0.9937% | 2,587 |
| Pretax return on assets | 1.5371% | 1,569 |
| Return on Equity (ROE) | 9.0869% | 2,601 |
| Retained earnings to average equity (ytd only) | 4.3089% | 3,189 |
| Net charge-offs to loans | 0.0200% | 5,626 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 109.2105% | 351 |
| Efficiency ratio | 61.9650% | 5,243 |
| Assets per employee ($millions) | 6.0393% | 1,256 |
| Cash dividends to net income (ytd only)* | 52.5811% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8082% | 6,473 |
| Loan loss allowance to noncurrent loans | 63.6146% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 0.8489% | 4,351 |
| Noncurrent loans to loans | 1.2704% | 3,714 |
| Net loans and leases to total assets | 66.2782% | 2,483 |
| Net loans and leases to deposits | 74.8424% | 2,985 |
| Net loans and leases to core deposits | 76.8696% | 3,422 |
| Total domestic deposits to total assets | 88.5570% | 1,868 |
| Equity capital to assets | 10.2829% | 3,782 |
| Core capital (leverage) ratio | 9.9795% | 3,430 |
| Tier 1 risk-based capital ratio | 17.9230% | 2,285 |
| Total risk-based capital ratio | 18.9101% | 2,364 |
| Memoranda: | ||
| Average total assets | $272,910,600 | 2,321 |
| Average earning assets | $256,114,000 | 2,268 |
| Average equity | $29,845,000 | 2,259 |
| Average total loans | $189,857,600 | 2,097 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 5,139 |
| Cost of funding earning assets | 0.4497% | 5,800 |
| Net interest margin | 3.6645% | 3,947 |
| Noninterest income to average assets | 0.6573% | 2,955 |
| Noninterest expense to average assets | 2.5018% | 5,079 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0252% | 2,386 |
| Return on assets (ROA) | 1.0291% | 2,586 |
| Pretax return on assets | 1.5940% | 1,597 |
| Return on Equity (ROE) | 9.2572% | 2,693 |
| Retained earnings to average equity (ytd only) | 5.6207% | 2,943 |
| Net charge-offs to loans | -0.0092% | 6,354 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1714% | 5,282 |
| Assets per employee ($millions) | 5.7546% | 1,413 |
| Cash dividends to net income (ytd only)* | 39.2822% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 6,506 |
| Loan loss allowance to noncurrent loans | 62.9149% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 0.9295% | 4,425 |
| Noncurrent loans to loans | 1.3529% | 3,762 |
| Net loans and leases to total assets | 68.1207% | 2,275 |
| Net loans and leases to deposits | 77.5110% | 2,727 |
| Net loans and leases to core deposits | 79.9308% | 3,213 |
| Total domestic deposits to total assets | 87.8851% | 2,111 |
| Equity capital to assets | 10.8431% | 3,450 |
| Core capital (leverage) ratio | 10.6702% | 2,735 |
| Tier 1 risk-based capital ratio | 18.2374% | 2,255 |
| Total risk-based capital ratio | 19.2765% | 2,310 |
| Memoranda: | ||
| Average total assets | $267,156,500 | 2,397 |
| Average earning assets | $250,252,000 | 2,343 |
| Average equity | $29,698,750 | 2,287 |
| Average total loans | $187,888,750 | 2,129 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 4,976 |
| Cost of funding earning assets | 0.4626% | 5,887 |
| Net interest margin | 3.7304% | 3,683 |
| Noninterest income to average assets | 0.6170% | 3,153 |
| Noninterest expense to average assets | 2.5628% | 4,910 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9978% | 2,473 |
| Return on assets (ROA) | 1.0053% | 2,659 |
| Pretax return on assets | 1.5529% | 1,700 |
| Return on Equity (ROE) | 8.9640% | 2,831 |
| Retained earnings to average equity (ytd only) | 4.8356% | 3,376 |
| Net charge-offs to loans | 0.0108% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 202.1000% | 221 |
| Efficiency ratio | 62.4419% | 5,175 |
| Assets per employee ($millions) | 6.0334% | 1,210 |
| Cash dividends to net income (ytd only)* | 46.0546% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 6,542 |
| Loan loss allowance to noncurrent loans | 90.0332% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6803% | 5,069 |
| Noncurrent loans to loans | 0.9583% | 4,594 |
| Net loans and leases to total assets | 70.3748% | 1,857 |
| Net loans and leases to deposits | 82.5347% | 2,041 |
| Net loans and leases to core deposits | 85.2424% | 2,526 |
| Total domestic deposits to total assets | 85.2669% | 3,730 |
| Equity capital to assets | 11.2359% | 2,855 |
| Core capital (leverage) ratio | 10.9617% | 2,342 |
| Tier 1 risk-based capital ratio | 18.7786% | 2,037 |
| Total risk-based capital ratio | 19.8540% | 2,059 |
| Memoranda: | ||
| Average total assets | $262,216,670 | 2,436 |
| Average earning assets | $245,118,000 | 2,399 |
| Average equity | $29,406,670 | 2,297 |
| Average total loans | $185,940,670 | 2,151 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 4,937 |
| Cost of funding earning assets | 0.4754% | 5,980 |
| Net interest margin | 3.7721% | 3,508 |
| Noninterest income to average assets | 0.5802% | 3,350 |
| Noninterest expense to average assets | 2.5158% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0534% | 2,270 |
| Return on assets (ROA) | 1.0729% | 2,380 |
| Pretax return on assets | 1.6133% | 1,529 |
| Return on Equity (ROE) | 9.5767% | 2,570 |
| Retained earnings to average equity (ytd only) | 4.0416% | 4,165 |
| Net charge-offs to loans | -0.0065% | 5,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3628% | 5,390 |
| Assets per employee ($millions) | 5.2933% | 1,893 |
| Cash dividends to net income (ytd only)* | 57.7969% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 6,534 |
| Loan loss allowance to noncurrent loans | 66.0621% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 0.9565% | 4,592 |
| Noncurrent loans to loans | 1.3607% | 4,081 |
| Net loans and leases to total assets | 69.6661% | 1,812 |
| Net loans and leases to deposits | 79.6213% | 2,259 |
| Net loans and leases to core deposits | 82.2264% | 2,799 |
| Total domestic deposits to total assets | 87.4968% | 2,654 |
| Equity capital to assets | 11.2980% | 2,629 |
| Core capital (leverage) ratio | 10.8519% | 2,386 |
| Tier 1 risk-based capital ratio | 19.0553% | 1,971 |
| Total risk-based capital ratio | 20.1724% | 1,976 |
| Memoranda: | ||
| Average total assets | $260,590,000 | 2,476 |
| Average earning assets | $243,153,500 | 2,425 |
| Average equity | $29,196,000 | 2,312 |
| Average total loans | $184,686,000 | 2,176 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4917% | 5,107 |
| Cost of funding earning assets | 0.5829% | 6,170 |
| Net interest margin | 3.9088% | 3,298 |
| Noninterest income to average assets | 0.6877% | 2,675 |
| Noninterest expense to average assets | 2.4743% | 5,556 |
| Loan and lease loss provision to assets | 0.0294% | 6,200 |
| Net operating income to assets | 1.1829% | 1,556 |
| Return on assets (ROA) | 1.1875% | 1,655 |
| Pretax return on assets | 1.8293% | 757 |
| Return on Equity (ROE) | 10.8475% | 1,750 |
| Retained earnings to average equity (ytd only) | 6.7945% | 1,595 |
| Net charge-offs to loans | 0.1389% | 5,035 |
| Credit loss provision to net charge-offs | 30.6122% | 5,775 |
| Earnings coverage of net charge-offs (x) | 19.2653% | 1,172 |
| Efficiency ratio | 57.1960% | 6,166 |
| Assets per employee ($millions) | 5.3430% | 1,786 |
| Cash dividends to net income (ytd only)* | 37.3637% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 6,594 |
| Loan loss allowance to noncurrent loans | 74.2287% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 4,939 |
| Noncurrent loans to loans | 1.1784% | 4,405 |
| Net loans and leases to total assets | 70.8163% | 1,863 |
| Net loans and leases to deposits | 80.7486% | 2,403 |
| Net loans and leases to core deposits | 83.3590% | 2,973 |
| Total domestic deposits to total assets | 87.6997% | 2,335 |
| Equity capital to assets | 11.1105% | 2,881 |
| Core capital (leverage) ratio | 10.8276% | 2,411 |
| Tier 1 risk-based capital ratio | 18.2373% | 2,125 |
| Total risk-based capital ratio | 19.3169% | 2,149 |
| Memoranda: | ||
| Average total assets | $254,904,200 | 2,473 |
| Average earning assets | $237,260,600 | 2,431 |
| Average equity | $27,905,000 | 2,334 |
| Average total loans | $176,338,800 | 2,301 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 5,237 |
| Cost of funding earning assets | 0.6128% | 6,231 |
| Net interest margin | 3.8942% | 3,407 |
| Noninterest income to average assets | 0.7083% | 2,555 |
| Noninterest expense to average assets | 2.6042% | 5,062 |
| Loan and lease loss provision to assets | -0.0395% | 7,320 |
| Net operating income to assets | 1.1493% | 1,815 |
| Return on assets (ROA) | 1.1554% | 1,912 |
| Pretax return on assets | 1.7810% | 989 |
| Return on Equity (ROE) | 10.5952% | 1,996 |
| Retained earnings to average equity (ytd only) | 7.6205% | 1,656 |
| Net charge-offs to loans | 0.0737% | 5,222 |
| Credit loss provision to net charge-offs | -78.1250% | 6,500 |
| Earnings coverage of net charge-offs (x) | 34.2595% | 852 |
| Efficiency ratio | 60.0559% | 5,712 |
| Assets per employee ($millions) | 5.2042% | 1,926 |
| Cash dividends to net income (ytd only)* | 28.0765% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 6,544 |
| Loan loss allowance to noncurrent loans | 87.0144% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 5,315 |
| Noncurrent loans to loans | 1.0537% | 4,798 |
| Net loans and leases to total assets | 69.2899% | 2,221 |
| Net loans and leases to deposits | 79.3451% | 2,755 |
| Net loans and leases to core deposits | 81.9920% | 3,329 |
| Total domestic deposits to total assets | 87.3273% | 2,457 |
| Equity capital to assets | 11.2563% | 2,906 |
| Core capital (leverage) ratio | 10.9052% | 2,471 |
| Tier 1 risk-based capital ratio | 18.3401% | 2,138 |
| Total risk-based capital ratio | 19.4394% | 2,154 |
| Memoranda: | ||
| Average total assets | $253,178,500 | 2,498 |
| Average earning assets | $235,867,500 | 2,451 |
| Average equity | $27,609,250 | 2,355 |
| Average total loans | $173,664,000 | 2,345 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 5,339 |
| Cost of funding earning assets | 0.6320% | 6,311 |
| Net interest margin | 3.8728% | 3,426 |
| Noninterest income to average assets | 0.7325% | 2,366 |
| Noninterest expense to average assets | 2.6876% | 4,867 |
| Loan and lease loss provision to assets | -0.0594% | 7,400 |
| Net operating income to assets | 1.1158% | 1,827 |
| Return on assets (ROA) | 1.1292% | 1,867 |
| Pretax return on assets | 1.7302% | 988 |
| Return on Equity (ROE) | 10.4682% | 1,956 |
| Retained earnings to average equity (ytd only) | 7.4511% | 1,678 |
| Net charge-offs to loans | 0.2324% | 3,733 |
| Credit loss provision to net charge-offs | -37.5000% | 6,230 |
| Earnings coverage of net charge-offs (x) | 10.4200% | 1,813 |
| Efficiency ratio | 61.9569% | 5,591 |
| Assets per employee ($millions) | 5.0844% | 2,008 |
| Cash dividends to net income (ytd only)* | 28.8219% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 6,703 |
| Loan loss allowance to noncurrent loans | 427.6536% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 6,578 |
| Noncurrent loans to loans | 0.2065% | 6,496 |
| Net loans and leases to total assets | 68.9570% | 2,422 |
| Net loans and leases to deposits | 78.8305% | 2,990 |
| Net loans and leases to core deposits | 81.5428% | 3,575 |
| Total domestic deposits to total assets | 87.4751% | 2,481 |
| Equity capital to assets | 11.2100% | 2,758 |
| Core capital (leverage) ratio | 10.6490% | 2,570 |
| Tier 1 risk-based capital ratio | 18.4345% | 2,032 |
| Total risk-based capital ratio | 19.4919% | 2,049 |
| Memoranda: | ||
| Average total assets | $252,570,000 | 2,516 |
| Average earning assets | $235,125,000 | 2,471 |
| Average equity | $27,244,330 | 2,366 |
| Average total loans | $172,109,670 | 2,381 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4832% | 5,394 |
| Cost of funding earning assets | 0.6342% | 6,457 |
| Net interest margin | 3.8491% | 3,378 |
| Noninterest income to average assets | 0.7126% | 2,498 |
| Noninterest expense to average assets | 2.7009% | 4,833 |
| Loan and lease loss provision to assets | -0.1180% | 7,490 |
| Net operating income to assets | 1.1168% | 1,780 |
| Return on assets (ROA) | 1.1168% | 1,828 |
| Pretax return on assets | 1.7099% | 965 |
| Return on Equity (ROE) | 10.5566% | 1,889 |
| Retained earnings to average equity (ytd only) | 7.4937% | 1,943 |
| Net charge-offs to loans | 0.0047% | 5,061 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,334 |
| Earnings coverage of net charge-offs (x) | 506.0000% | 46 |
| Efficiency ratio | 62.9168% | 5,538 |
| Assets per employee ($millions) | 5.3053% | 1,762 |
| Cash dividends to net income (ytd only)* | 29.0141% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 6,355 |
| Loan loss allowance to noncurrent loans | 180.4802% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 6,286 |
| Noncurrent loans to loans | 0.5602% | 5,905 |
| Net loans and leases to total assets | 65.1159% | 3,217 |
| Net loans and leases to deposits | 73.6499% | 3,813 |
| Net loans and leases to core deposits | 76.6060% | 4,223 |
| Total domestic deposits to total assets | 88.4127% | 2,138 |
| Equity capital to assets | 10.4432% | 3,244 |
| Core capital (leverage) ratio | 10.5739% | 2,535 |
| Tier 1 risk-based capital ratio | 17.5279% | 2,281 |
| Total risk-based capital ratio | 18.6848% | 2,290 |
| Memoranda: | ||
| Average total assets | $254,287,500 | 2,526 |
| Average earning assets | $236,525,000 | 2,478 |
| Average equity | $26,902,500 | 2,387 |
| Average total loans | $171,501,000 | 2,417 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7716% | 5,521 |
| Cost of funding earning assets | 0.8087% | 6,531 |
| Net interest margin | 3.9629% | 3,196 |
| Noninterest income to average assets | 0.8868% | 1,899 |
| Noninterest expense to average assets | 2.6919% | 5,026 |
| Loan and lease loss provision to assets | 0.0819% | 6,330 |
| Net operating income to assets | 1.1912% | 1,436 |
| Return on assets (ROA) | 1.1901% | 1,515 |
| Pretax return on assets | 1.8208% | 728 |
| Return on Equity (ROE) | 11.3860% | 1,485 |
| Retained earnings to average equity (ytd only) | 7.0376% | 1,303 |
| Net charge-offs to loans | 0.0430% | 6,373 |
| Credit loss provision to net charge-offs | 274.3243% | 995 |
| Earnings coverage of net charge-offs (x) | 63.8108% | 374 |
| Efficiency ratio | 58.5680% | 6,270 |
| Assets per employee ($millions) | 5.0738% | 2,054 |
| Cash dividends to net income (ytd only)* | 38.1904% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 6,148 |
| Loan loss allowance to noncurrent loans | 263.2653% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 6,564 |
| Noncurrent loans to loans | 0.3988% | 6,251 |
| Net loans and leases to total assets | 68.4559% | 2,873 |
| Net loans and leases to deposits | 77.5876% | 3,578 |
| Net loans and leases to core deposits | 80.8572% | 4,084 |
| Total domestic deposits to total assets | 88.2305% | 2,105 |
| Equity capital to assets | 10.7221% | 2,931 |
| Core capital (leverage) ratio | 10.3999% | 2,670 |
| Tier 1 risk-based capital ratio | 17.4890% | 2,178 |
| Total risk-based capital ratio | 18.7178% | 2,151 |
| Memoranda: | ||
| Average total assets | $247,962,000 | 2,560 |
| Average earning assets | $232,102,600 | 2,504 |
| Average equity | $25,917,800 | 2,464 |
| Average total loans | $171,972,400 | 2,443 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8179% | 5,588 |
| Cost of funding earning assets | 0.8525% | 6,573 |
| Net interest margin | 3.9654% | 3,257 |
| Noninterest income to average assets | 0.9002% | 1,796 |
| Noninterest expense to average assets | 2.7360% | 4,738 |
| Loan and lease loss provision to assets | 0.1092% | 5,940 |
| Net operating income to assets | 1.1561% | 1,717 |
| Return on assets (ROA) | 1.1547% | 1,817 |
| Pretax return on assets | 1.7595% | 994 |
| Return on Equity (ROE) | 11.1190% | 1,747 |
| Retained earnings to average equity (ytd only) | 7.8963% | 1,454 |
| Net charge-offs to loans | 0.0349% | 6,212 |
| Credit loss provision to net charge-offs | 451.1111% | 666 |
| Earnings coverage of net charge-offs (x) | 77.2647% | 392 |
| Efficiency ratio | 59.3903% | 6,044 |
| Assets per employee ($millions) | 5.0657% | 2,096 |
| Cash dividends to net income (ytd only)* | 28.9841% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 6,001 |
| Loan loss allowance to noncurrent loans | 260.2837% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 6,664 |
| Noncurrent loans to loans | 0.4172% | 6,366 |
| Net loans and leases to total assets | 67.3387% | 3,368 |
| Net loans and leases to deposits | 76.5253% | 4,083 |
| Net loans and leases to core deposits | 79.7641% | 4,554 |
| Total domestic deposits to total assets | 87.9953% | 1,963 |
| Equity capital to assets | 10.7723% | 3,198 |
| Core capital (leverage) ratio | 10.2087% | 3,035 |
| Tier 1 risk-based capital ratio | 17.5628% | 2,156 |
| Total risk-based capital ratio | 18.8132% | 2,129 |
| Memoranda: | ||
| Average total assets | $247,798,250 | 2,596 |
| Average earning assets | $231,628,750 | 2,544 |
| Average equity | $25,733,000 | 2,522 |
| Average total loans | $171,965,750 | 2,487 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 5,564 |
| Cost of funding earning assets | 0.8932% | 6,613 |
| Net interest margin | 3.9699% | 3,161 |
| Noninterest income to average assets | 0.7478% | 2,408 |
| Noninterest expense to average assets | 2.7780% | 4,584 |
| Loan and lease loss provision to assets | 0.1639% | 5,251 |
| Net operating income to assets | 1.0078% | 2,162 |
| Return on assets (ROA) | 1.0078% | 2,240 |
| Pretax return on assets | 1.5101% | 1,530 |
| Return on Equity (ROE) | 9.8277% | 2,166 |
| Retained earnings to average equity (ytd only) | 6.5597% | 2,047 |
| Net charge-offs to loans | -0.0301% | 7,348 |
| Credit loss provision to net charge-offs | -780.7692% | 6,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3980% | 5,626 |
| Assets per employee ($millions) | 5.3701% | 1,732 |
| Cash dividends to net income (ytd only)* | 33.2532% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 5,855 |
| Loan loss allowance to noncurrent loans | 260.3825% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 6,668 |
| Noncurrent loans to loans | 0.4295% | 6,380 |
| Net loans and leases to total assets | 68.2194% | 3,308 |
| Net loans and leases to deposits | 78.7969% | 3,833 |
| Net loans and leases to core deposits | 82.2891% | 4,378 |
| Total domestic deposits to total assets | 86.5763% | 2,774 |
| Equity capital to assets | 10.5192% | 3,385 |
| Core capital (leverage) ratio | 10.0974% | 3,068 |
| Tier 1 risk-based capital ratio | 17.1524% | 2,214 |
| Total risk-based capital ratio | 18.4033% | 2,176 |
| Memoranda: | ||
| Average total assets | $247,657,670 | 2,623 |
| Average earning assets | $231,090,670 | 2,575 |
| Average equity | $25,397,670 | 2,551 |
| Average total loans | $172,960,000 | 2,504 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 5,444 |
| Cost of funding earning assets | 0.9162% | 6,705 |
| Net interest margin | 3.9893% | 2,918 |
| Noninterest income to average assets | 0.7694% | 2,178 |
| Noninterest expense to average assets | 2.7003% | 4,909 |
| Loan and lease loss provision to assets | 0.1549% | 4,985 |
| Net operating income to assets | 1.0840% | 1,881 |
| Return on assets (ROA) | 1.0840% | 1,962 |
| Pretax return on assets | 1.6437% | 1,176 |
| Return on Equity (ROE) | 10.7075% | 1,869 |
| Retained earnings to average equity (ytd only) | 7.3932% | 1,978 |
| Net charge-offs to loans | -0.0872% | 7,496 |
| Credit loss provision to net charge-offs | -252.6316% | 6,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0215% | 6,169 |
| Assets per employee ($millions) | 4.9599% | 2,288 |
| Cash dividends to net income (ytd only)* | 30.9524% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 6,244 |
| Loan loss allowance to noncurrent loans | 448.2673% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 7,068 |
| Noncurrent loans to loans | 0.2337% | 6,871 |
| Net loans and leases to total assets | 68.9656% | 3,164 |
| Net loans and leases to deposits | 79.8763% | 3,677 |
| Net loans and leases to core deposits | 83.3278% | 4,294 |
| Total domestic deposits to total assets | 86.3405% | 2,967 |
| Equity capital to assets | 10.2308% | 3,559 |
| Core capital (leverage) ratio | 9.9617% | 3,214 |
| Tier 1 risk-based capital ratio | 16.5893% | 2,415 |
| Total risk-based capital ratio | 17.8196% | 2,373 |
| Memoranda: | ||
| Average total assets | $247,974,000 | 2,674 |
| Average earning assets | $231,821,500 | 2,625 |
| Average equity | $25,104,000 | 2,603 |
| Average total loans | $174,227,500 | 2,554 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1938% | 5,676 |
| Cost of funding earning assets | 1.3239% | 6,222 |
| Net interest margin | 3.8699% | 3,395 |
| Noninterest income to average assets | 1.0160% | 1,514 |
| Noninterest expense to average assets | 2.9368% | 4,402 |
| Loan and lease loss provision to assets | 0.0436% | 7,120 |
| Net operating income to assets | 1.0948% | 1,527 |
| Return on assets (ROA) | 0.9616% | 2,025 |
| Pretax return on assets | 1.4520% | 1,313 |
| Return on Equity (ROE) | 9.6296% | 1,805 |
| Retained earnings to average equity (ytd only) | 4.7649% | 1,937 |
| Net charge-offs to loans | 0.0916% | 6,213 |
| Credit loss provision to net charge-offs | 66.4557% | 6,549 |
| Earnings coverage of net charge-offs (x) | 25.8734% | 865 |
| Efficiency ratio | 63.3725% | 5,895 |
| Assets per employee ($millions) | 5.0602% | 2,140 |
| Cash dividends to net income (ytd only)* | 50.5181% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 6,614 |
| Loan loss allowance to noncurrent loans | 382.0046% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 7,033 |
| Noncurrent loans to loans | 0.2500% | 6,795 |
| Net loans and leases to total assets | 70.1487% | 3,219 |
| Net loans and leases to deposits | 81.8876% | 3,639 |
| Net loans and leases to core deposits | 95.5146% | 4,512 |
| Total domestic deposits to total assets | 85.6646% | 3,189 |
| Equity capital to assets | 10.0165% | 3,735 |
| Core capital (leverage) ratio | 9.8063% | 3,317 |
| Tier 1 risk-based capital ratio | 15.9728% | 2,540 |
| Total risk-based capital ratio | 17.0935% | 2,523 |
| Memoranda: | ||
| Average total assets | $240,840,400 | 2,712 |
| Average earning assets | $225,173,200 | 2,647 |
| Average equity | $24,050,800 | 2,722 |
| Average total loans | $172,545,400 | 2,598 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2641% | 5,605 |
| Cost of funding earning assets | 1.4160% | 6,166 |
| Net interest margin | 3.8482% | 3,440 |
| Noninterest income to average assets | 1.0658% | 1,396 |
| Noninterest expense to average assets | 2.9766% | 4,141 |
| Loan and lease loss provision to assets | 0.0586% | 6,777 |
| Net operating income to assets | 1.0806% | 1,794 |
| Return on assets (ROA) | 0.9565% | 2,269 |
| Pretax return on assets | 1.4378% | 1,597 |
| Return on Equity (ROE) | 9.5857% | 2,070 |
| Retained earnings to average equity (ytd only) | 6.0253% | 1,937 |
| Net charge-offs to loans | 0.0939% | 5,739 |
| Credit loss provision to net charge-offs | 86.7769% | 5,572 |
| Earnings coverage of net charge-offs (x) | 24.9173% | 1,073 |
| Efficiency ratio | 63.9009% | 5,775 |
| Assets per employee ($millions) | 4.8918% | 2,278 |
| Cash dividends to net income (ytd only)* | 37.1428% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 6,315 |
| Loan loss allowance to noncurrent loans | 420.0980% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 7,109 |
| Noncurrent loans to loans | 0.2374% | 6,911 |
| Net loans and leases to total assets | 70.9894% | 3,271 |
| Net loans and leases to deposits | 83.5372% | 3,720 |
| Net loans and leases to core deposits | 98.3902% | 4,565 |
| Total domestic deposits to total assets | 84.9795% | 3,246 |
| Equity capital to assets | 10.4172% | 3,597 |
| Core capital (leverage) ratio | 9.9572% | 3,331 |
| Tier 1 risk-based capital ratio | 15.9015% | 2,664 |
| Total risk-based capital ratio | 17.0419% | 2,643 |
| Memoranda: | ||
| Average total assets | $239,062,500 | 2,745 |
| Average earning assets | $223,165,000 | 2,696 |
| Average equity | $23,854,500 | 2,775 |
| Average total loans | $171,778,750 | 2,639 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2953% | 5,677 |
| Cost of funding earning assets | 1.4960% | 6,156 |
| Net interest margin | 3.7993% | 3,557 |
| Noninterest income to average assets | 1.0894% | 1,347 |
| Noninterest expense to average assets | 3.0211% | 4,003 |
| Loan and lease loss provision to assets | 0.0511% | 6,716 |
| Net operating income to assets | 1.0445% | 1,959 |
| Return on assets (ROA) | 0.8583% | 2,722 |
| Pretax return on assets | 1.2820% | 2,076 |
| Return on Equity (ROE) | 8.7298% | 2,457 |
| Retained earnings to average equity (ytd only) | 5.1102% | 2,451 |
| Net charge-offs to loans | 0.0361% | 5,958 |
| Credit loss provision to net charge-offs | 196.7742% | 2,320 |
| Earnings coverage of net charge-offs (x) | 62.0645% | 576 |
| Efficiency ratio | 65.2205% | 5,667 |
| Assets per employee ($millions) | 4.9599% | 2,128 |
| Cash dividends to net income (ytd only)* | 41.4634% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 6,313 |
| Loan loss allowance to noncurrent loans | 5,500.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 7,604 |
| Noncurrent loans to loans | 0.0180% | 7,506 |
| Net loans and leases to total assets | 72.2631% | 3,145 |
| Net loans and leases to deposits | 84.2422% | 3,835 |
| Net loans and leases to core deposits | 99.3478% | 4,573 |
| Total domestic deposits to total assets | 85.7802% | 2,892 |
| Equity capital to assets | 9.8595% | 4,137 |
| Core capital (leverage) ratio | 9.7567% | 3,567 |
| Tier 1 risk-based capital ratio | 15.3596% | 2,872 |
| Total risk-based capital ratio | 16.5186% | 2,830 |
| Memoranda: | ||
| Average total assets | $238,850,330 | 2,762 |
| Average earning assets | $222,727,670 | 2,713 |
| Average equity | $23,482,670 | 2,813 |
| Average total loans | $171,746,670 | 2,668 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3740% | 5,552 |
| Cost of funding earning assets | 1.5771% | 6,132 |
| Net interest margin | 3.7969% | 3,450 |
| Noninterest income to average assets | 1.0357% | 1,385 |
| Noninterest expense to average assets | 2.7387% | 4,831 |
| Loan and lease loss provision to assets | 0.1031% | 5,650 |
| Net operating income to assets | 1.1599% | 1,774 |
| Return on assets (ROA) | 0.7434% | 3,556 |
| Pretax return on assets | 1.1151% | 2,935 |
| Return on Equity (ROE) | 7.5722% | 3,345 |
| Retained earnings to average equity (ytd only) | 3.9066% | 3,722 |
| Net charge-offs to loans | 0.0332% | 5,050 |
| Credit loss provision to net charge-offs | 435.7143% | 1,210 |
| Earnings coverage of net charge-offs (x) | 77.7857% | 532 |
| Efficiency ratio | 59.8155% | 6,433 |
| Assets per employee ($millions) | 4.8681% | 2,220 |
| Cash dividends to net income (ytd only)* | 48.4091% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 5,937 |
| Loan loss allowance to noncurrent loans | 485.2459% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 7,105 |
| Noncurrent loans to loans | 0.2123% | 6,923 |
| Net loans and leases to total assets | 71.5432% | 3,338 |
| Net loans and leases to deposits | 85.3148% | 3,754 |
| Net loans and leases to core deposits | 101.7742% | 4,371 |
| Total domestic deposits to total assets | 83.8579% | 3,772 |
| Equity capital to assets | 9.8547% | 4,174 |
| Core capital (leverage) ratio | 9.8365% | 3,595 |
| Tier 1 risk-based capital ratio | 15.5373% | 2,838 |
| Total risk-based capital ratio | 16.7383% | 2,792 |
| Memoranda: | ||
| Average total assets | $236,758,500 | 2,805 |
| Average earning assets | $220,914,500 | 2,752 |
| Average equity | $23,243,000 | 2,854 |
| Average total loans | $168,928,000 | 2,718 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7208% | 6,706 |
| Cost of funding earning assets | 2.0435% | 6,269 |
| Net interest margin | 3.6773% | 4,570 |
| Noninterest income to average assets | 0.8881% | 2,010 |
| Noninterest expense to average assets | 2.7879% | 4,873 |
| Loan and lease loss provision to assets | 0.1031% | 6,062 |
| Net operating income to assets | 0.9427% | 2,824 |
| Return on assets (ROA) | 0.9427% | 2,685 |
| Pretax return on assets | 1.3804% | 2,028 |
| Return on Equity (ROE) | 9.6180% | 2,391 |
| Retained earnings to average equity (ytd only) | 4.2786% | 2,455 |
| Net charge-offs to loans | 0.1051% | 5,248 |
| Credit loss provision to net charge-offs | 136.4162% | 3,905 |
| Earnings coverage of net charge-offs (x) | 19.6301% | 1,617 |
| Efficiency ratio | 65.2690% | 5,262 |
| Assets per employee ($millions) | 4.6075% | 2,468 |
| Cash dividends to net income (ytd only)* | 55.5144% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 5,665 |
| Loan loss allowance to noncurrent loans | 3,262.2642% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 7,512 |
| Noncurrent loans to loans | 0.0320% | 7,380 |
| Net loans and leases to total assets | 69.6630% | 4,100 |
| Net loans and leases to deposits | 83.8223% | 4,449 |
| Net loans and leases to core deposits | 97.7003% | 5,073 |
| Total domestic deposits to total assets | 83.1079% | 3,724 |
| Equity capital to assets | 9.7791% | 4,322 |
| Core capital (leverage) ratio | 9.7835% | 3,672 |
| Tier 1 risk-based capital ratio | 15.7085% | 2,774 |
| Total risk-based capital ratio | 16.9024% | 2,724 |
| Memoranda: | ||
| Average total assets | $228,918,400 | 2,775 |
| Average earning assets | $210,616,800 | 2,768 |
| Average equity | $22,437,000 | 2,919 |
| Average total loans | $164,587,000 | 2,704 |