Home > The St. Henry Bank > Performance and Condition Ratios
The St. Henry Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2460% | 3,534 |
| Cost of funding earning assets | 0.5635% | 4,126 |
| Net interest margin | 3.6825% | 1,794 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.4662% | 4,348 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 2.1945% | 340 |
| Return on assets (ROA) | 2.1945% | 330 |
| Pretax return on assets | 2.1947% | 493 |
| Return on Equity (ROE) | 24.4500% | 331 |
| Retained earnings to average equity (ytd only) | 7.2068% | 1,827 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 39.6830% | 4,368 |
| Assets per employee ($millions) | 15.6531% | 185 |
| Cash dividends to net income (ytd only)* | 70.5292% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 2,379 |
| Loan loss allowance to noncurrent loans | 116.6384% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 1,002 |
| Noncurrent loans to loans | 1.0160% | 728 |
| Net loans and leases to total assets | 54.3600% | 3,326 |
| Net loans and leases to deposits | 61.9385% | 3,410 |
| Net loans and leases to core deposits | 64.5881% | 3,560 |
| Total domestic deposits to total assets | 87.7600% | 1,431 |
| Equity capital to assets | 9.6036% | 2,270 |
| Core capital (leverage) ratio | 14.2115% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $399,547,800 | 2,015 |
| Average earning assets | $371,240,600 | 2,004 |
| Average equity | $35,855,200 | 2,018 |
| Average total loans | $215,888,600 | 2,189 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 3,445 |
| Cost of funding earning assets | 0.4607% | 4,188 |
| Net interest margin | 3.7524% | 1,684 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.4052% | 4,389 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 2.3248% | 314 |
| Return on assets (ROA) | 2.3248% | 308 |
| Pretax return on assets | 2.3251% | 466 |
| Return on Equity (ROE) | 26.4000% | 335 |
| Retained earnings to average equity (ytd only) | 2.6226% | 3,604 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 37.5158% | 4,416 |
| Assets per employee ($millions) | 14.3406% | 225 |
| Cash dividends to net income (ytd only)* | 90.0670% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,221 |
| Loan loss allowance to noncurrent loans | 112.7804% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 962 |
| Noncurrent loans to loans | 1.0900% | 725 |
| Net loans and leases to total assets | 55.3000% | 3,266 |
| Net loans and leases to deposits | 62.5513% | 3,372 |
| Net loans and leases to core deposits | 65.3145% | 3,468 |
| Total domestic deposits to total assets | 88.4100% | 1,442 |
| Equity capital to assets | 8.3583% | 2,822 |
| Core capital (leverage) ratio | 14.0298% | 817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $393,776,250 | 2,030 |
| Average earning assets | $364,379,000 | 2,024 |
| Average equity | $34,672,000 | 2,058 |
| Average total loans | $211,739,250 | 2,215 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1298% | 3,427 |
| Cost of funding earning assets | 0.3876% | 4,188 |
| Net interest margin | 3.7422% | 1,731 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.4329% | 4,385 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 2.2532% | 328 |
| Return on assets (ROA) | 2.2532% | 323 |
| Pretax return on assets | 2.2537% | 498 |
| Return on Equity (ROE) | 25.1700% | 376 |
| Retained earnings to average equity (ytd only) | -0.6038% | 4,175 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 38.7092% | 4,425 |
| Assets per employee ($millions) | 14.3043% | 220 |
| Cash dividends to net income (ytd only)* | 102.3986% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 2,129 |
| Loan loss allowance to noncurrent loans | 22,083.3333% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 3,856 |
| Noncurrent loans to loans | 0.0057% | 3,763 |
| Net loans and leases to total assets | 53.7700% | 3,286 |
| Net loans and leases to deposits | 59.6328% | 3,443 |
| Net loans and leases to core deposits | 63.8572% | 3,457 |
| Total domestic deposits to total assets | 90.1800% | 871 |
| Equity capital to assets | 9.0765% | 2,461 |
| Core capital (leverage) ratio | 13.5257% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $395,969,333 | 2,023 |
| Average earning assets | $367,911,667 | 2,018 |
| Average equity | $35,441,667 | 2,046 |
| Average total loans | $210,053,000 | 2,223 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 3,433 |
| Cost of funding earning assets | 0.2796% | 4,234 |
| Net interest margin | 3.7325% | 1,822 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.3771% | 4,484 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 2.2822% | 331 |
| Return on assets (ROA) | 2.2822% | 329 |
| Pretax return on assets | 2.2822% | 502 |
| Return on Equity (ROE) | 25.6700% | 377 |
| Retained earnings to average equity (ytd only) | 9.2381% | 1,876 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.4796% | 4,502 |
| Assets per employee ($millions) | 15.1648% | 199 |
| Cash dividends to net income (ytd only)* | 64.0140% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 2,240 |
| Loan loss allowance to noncurrent loans | 20,269.2308% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 3,878 |
| Noncurrent loans to loans | 0.0062% | 3,795 |
| Net loans and leases to total assets | 52.3500% | 3,325 |
| Net loans and leases to deposits | 58.3424% | 3,436 |
| Net loans and leases to core deposits | 62.0242% | 3,444 |
| Total domestic deposits to total assets | 89.7300% | 1,256 |
| Equity capital to assets | 9.5852% | 2,071 |
| Core capital (leverage) ratio | 13.9679% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $400,845,500 | 2,038 |
| Average earning assets | $370,479,500 | 2,034 |
| Average equity | $35,635,000 | 2,057 |
| Average total loans | $209,911,500 | 2,242 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5976% | 2,814 |
| Cost of funding earning assets | 0.1735% | 3,973 |
| Net interest margin | 3.4240% | 2,171 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.3714% | 4,526 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.9823% | 309 |
| Return on assets (ROA) | 1.9823% | 295 |
| Pretax return on assets | 1.9826% | 495 |
| Return on Equity (ROE) | 19.9200% | 489 |
| Retained earnings to average equity (ytd only) | 5.1109% | 2,996 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.7037% | 4,524 |
| Assets per employee ($millions) | 15.0891% | 201 |
| Cash dividends to net income (ytd only)* | 74.3408% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 2,184 |
| Loan loss allowance to noncurrent loans | 18,714.2857% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 3,905 |
| Noncurrent loans to loans | 0.0066% | 3,816 |
| Net loans and leases to total assets | 51.0900% | 3,425 |
| Net loans and leases to deposits | 56.3640% | 3,555 |
| Net loans and leases to core deposits | 57.7227% | 3,633 |
| Total domestic deposits to total assets | 90.6500% | 1,082 |
| Equity capital to assets | 8.2171% | 2,922 |
| Core capital (leverage) ratio | 13.1793% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $392,214,200 | 2,051 |
| Average earning assets | $343,511,400 | 2,137 |
| Average equity | $39,034,600 | 1,952 |
| Average total loans | $196,478,800 | 2,253 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4710% | 2,705 |
| Cost of funding earning assets | 0.1713% | 3,610 |
| Net interest margin | 3.2997% | 2,296 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.2989% | 4,579 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.9697% | 302 |
| Return on assets (ROA) | 1.9697% | 301 |
| Pretax return on assets | 1.9700% | 492 |
| Return on Equity (ROE) | 18.9300% | 534 |
| Retained earnings to average equity (ytd only) | -0.1385% | 4,359 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.5485% | 4,583 |
| Assets per employee ($millions) | 14.4753% | 219 |
| Cash dividends to net income (ytd only)* | 100.7320% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 1,929 |
| Loan loss allowance to noncurrent loans | 16,281.2500% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 3,977 |
| Noncurrent loans to loans | 0.0081% | 3,888 |
| Net loans and leases to total assets | 49.7500% | 3,480 |
| Net loans and leases to deposits | 54.6549% | 3,568 |
| Net loans and leases to core deposits | 56.1046% | 3,620 |
| Total domestic deposits to total assets | 91.0300% | 1,229 |
| Equity capital to assets | 7.8842% | 2,968 |
| Core capital (leverage) ratio | 12.7917% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $388,416,250 | 2,085 |
| Average earning assets | $336,184,500 | 2,183 |
| Average equity | $40,424,000 | 1,931 |
| Average total loans | $192,903,500 | 2,283 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3296% | 2,644 |
| Cost of funding earning assets | 0.1758% | 3,234 |
| Net interest margin | 3.1538% | 2,351 |
| Noninterest income to average assets | 0.4541% | 2,420 |
| Noninterest expense to average assets | 1.2931% | 4,596 |
| Loan and lease loss provision to assets | 0.0155% | 2,320 |
| Net operating income to assets | 1.8297% | 316 |
| Return on assets (ROA) | 1.8297% | 310 |
| Pretax return on assets | 1.8297% | 556 |
| Return on Equity (ROE) | 16.2559% | 664 |
| Retained earnings to average equity (ytd only) | -3.5299% | 4,483 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2036% | 4,588 |
| Assets per employee ($millions) | 14.4721% | 219 |
| Cash dividends to net income (ytd only)* | 121.7146% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 1,954 |
| Loan loss allowance to noncurrent loans | 15,235.2941% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,007 |
| Noncurrent loans to loans | 0.0089% | 3,928 |
| Net loans and leases to total assets | 48.4174% | 3,518 |
| Net loans and leases to deposits | 53.9515% | 3,537 |
| Net loans and leases to core deposits | 55.4022% | 3,619 |
| Total domestic deposits to total assets | 89.7424% | 1,825 |
| Equity capital to assets | 9.0908% | 2,327 |
| Core capital (leverage) ratio | 12.8715% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $387,610,667 | 2,102 |
| Average earning assets | $329,891,000 | 2,226 |
| Average equity | $43,627,333 | 1,872 |
| Average total loans | $191,519,667 | 2,290 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2787% | 2,450 |
| Cost of funding earning assets | 0.1948% | 2,867 |
| Net interest margin | 3.0839% | 2,228 |
| Noninterest income to average assets | 0.6072% | 1,664 |
| Noninterest expense to average assets | 1.3315% | 4,600 |
| Loan and lease loss provision to assets | 0.0155% | 2,069 |
| Net operating income to assets | 1.8516% | 296 |
| Return on assets (ROA) | 1.8516% | 297 |
| Pretax return on assets | 1.8516% | 492 |
| Return on Equity (ROE) | 14.9916% | 653 |
| Retained earnings to average equity (ytd only) | 2.9279% | 3,287 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6262% | 4,609 |
| Assets per employee ($millions) | 14.9333% | 205 |
| Cash dividends to net income (ytd only)* | 80.4701% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 2,054 |
| Loan loss allowance to noncurrent loans | 14,305.5556% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 4,043 |
| Noncurrent loans to loans | 0.0095% | 3,951 |
| Net loans and leases to total assets | 47.9714% | 3,387 |
| Net loans and leases to deposits | 54.8044% | 3,358 |
| Net loans and leases to core deposits | 56.1716% | 3,433 |
| Total domestic deposits to total assets | 87.5320% | 2,735 |
| Equity capital to assets | 11.3170% | 1,186 |
| Core capital (leverage) ratio | 13.2073% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $386,043,000 | 2,114 |
| Average earning assets | $324,396,500 | 2,267 |
| Average equity | $47,680,000 | 1,799 |
| Average total loans | $191,390,000 | 2,291 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3033% | 3,207 |
| Cost of funding earning assets | 0.2720% | 2,686 |
| Net interest margin | 3.0312% | 3,106 |
| Noninterest income to average assets | 0.8205% | 1,402 |
| Noninterest expense to average assets | 1.3435% | 4,655 |
| Loan and lease loss provision to assets | 0.0162% | 2,751 |
| Net operating income to assets | 1.9754% | 351 |
| Return on assets (ROA) | 1.9754% | 378 |
| Pretax return on assets | 1.9757% | 636 |
| Return on Equity (ROE) | 14.4468% | 1,076 |
| Retained earnings to average equity (ytd only) | 3.0716% | 3,602 |
| Net charge-offs to loans | 0.0155% | 2,000 |
| Credit loss provision to net charge-offs | 206.8966% | 1,291 |
| Earnings coverage of net charge-offs (x) | 254.1379% | 457 |
| Efficiency ratio | 40.2804% | 4,682 |
| Assets per employee ($millions) | 14.7623% | 210 |
| Cash dividends to net income (ytd only)* | 78.7385% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 2,270 |
| Loan loss allowance to noncurrent loans | 12,800.0000% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,121 |
| Noncurrent loans to loans | 0.0103% | 4,020 |
| Net loans and leases to total assets | 49.8641% | 3,295 |
| Net loans and leases to deposits | 58.4497% | 3,211 |
| Net loans and leases to core deposits | 60.0110% | 3,311 |
| Total domestic deposits to total assets | 85.3111% | 3,169 |
| Equity capital to assets | 13.3969% | 793 |
| Core capital (leverage) ratio | 13.2349% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,002,200 | 2,110 |
| Average earning assets | $306,969,200 | 2,296 |
| Average equity | $50,592,600 | 1,747 |
| Average total loans | $187,065,600 | 2,327 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2965% | 3,396 |
| Cost of funding earning assets | 0.2864% | 2,735 |
| Net interest margin | 3.0101% | 3,276 |
| Noninterest income to average assets | 0.8926% | 1,274 |
| Noninterest expense to average assets | 1.3317% | 4,727 |
| Loan and lease loss provision to assets | 0.0164% | 2,676 |
| Net operating income to assets | 2.0370% | 436 |
| Return on assets (ROA) | 2.0370% | 460 |
| Pretax return on assets | 2.0373% | 749 |
| Return on Equity (ROE) | 14.8186% | 1,182 |
| Retained earnings to average equity (ytd only) | -0.4102% | 4,606 |
| Net charge-offs to loans | 0.0043% | 2,189 |
| Credit loss provision to net charge-offs | 750.0000% | 617 |
| Earnings coverage of net charge-offs (x) | 941.0000% | 175 |
| Efficiency ratio | 39.3360% | 4,739 |
| Assets per employee ($millions) | 14.4892% | 225 |
| Cash dividends to net income (ytd only)* | 102.7679% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 1,977 |
| Loan loss allowance to noncurrent loans | 12,228.5714% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,219 |
| Noncurrent loans to loans | 0.0115% | 4,122 |
| Net loans and leases to total assets | 47.6221% | 3,663 |
| Net loans and leases to deposits | 55.8052% | 3,593 |
| Net loans and leases to core deposits | 57.4474% | 3,664 |
| Total domestic deposits to total assets | 85.3363% | 3,007 |
| Equity capital to assets | 13.3747% | 882 |
| Core capital (leverage) ratio | 13.2025% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,547,500 | 2,139 |
| Average earning assets | $303,544,500 | 2,339 |
| Average equity | $50,385,750 | 1,767 |
| Average total loans | $185,344,750 | 2,381 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3137% | 3,390 |
| Cost of funding earning assets | 0.2986% | 2,786 |
| Net interest margin | 3.0151% | 3,282 |
| Noninterest income to average assets | 0.9010% | 1,273 |
| Noninterest expense to average assets | 1.3443% | 4,763 |
| Loan and lease loss provision to assets | 0.0165% | 2,624 |
| Net operating income to assets | 2.0371% | 457 |
| Return on assets (ROA) | 2.0371% | 481 |
| Pretax return on assets | 2.0371% | 771 |
| Return on Equity (ROE) | 14.6826% | 1,238 |
| Retained earnings to average equity (ytd only) | -2.3499% | 4,689 |
| Net charge-offs to loans | 0.0064% | 1,909 |
| Credit loss provision to net charge-offs | 500.0000% | 677 |
| Earnings coverage of net charge-offs (x) | 621.5000% | 218 |
| Efficiency ratio | 39.5624% | 4,759 |
| Assets per employee ($millions) | 13.0029% | 283 |
| Cash dividends to net income (ytd only)* | 116.0043% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 1,977 |
| 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 | 49.3922% | 3,618 |
| Net loans and leases to deposits | 58.2139% | 3,528 |
| Net loans and leases to core deposits | 60.0463% | 3,616 |
| Total domestic deposits to total assets | 84.8460% | 3,161 |
| Equity capital to assets | 13.7241% | 769 |
| Core capital (leverage) ratio | 13.1728% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $363,156,667 | 2,141 |
| Average earning assets | $300,749,000 | 2,344 |
| Average equity | $50,386,000 | 1,762 |
| Average total loans | $186,469,667 | 2,378 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3537% | 3,332 |
| Cost of funding earning assets | 0.3122% | 2,869 |
| Net interest margin | 3.0415% | 3,157 |
| Noninterest income to average assets | 0.7466% | 1,728 |
| Noninterest expense to average assets | 1.3433% | 4,787 |
| Loan and lease loss provision to assets | 0.0165% | 2,559 |
| Net operating income to assets | 1.9013% | 664 |
| Return on assets (ROA) | 1.9013% | 714 |
| Pretax return on assets | 1.9013% | 1,115 |
| Return on Equity (ROE) | 13.6297% | 1,508 |
| Retained earnings to average equity (ytd only) | 2.4508% | 3,922 |
| Net charge-offs to loans | 0.0127% | 1,493 |
| Credit loss provision to net charge-offs | 250.0000% | 816 |
| Earnings coverage of net charge-offs (x) | 289.8333% | 304 |
| Efficiency ratio | 41.1904% | 4,704 |
| Assets per employee ($millions) | 13.6344% | 250 |
| Cash dividends to net income (ytd only)* | 82.0186% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 2,131 |
| 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 | 49.8844% | 3,636 |
| Net loans and leases to deposits | 58.7267% | 3,587 |
| Net loans and leases to core deposits | 60.7055% | 3,660 |
| Total domestic deposits to total assets | 84.9433% | 3,120 |
| Equity capital to assets | 13.6612% | 750 |
| Core capital (leverage) ratio | 13.8535% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,694,000 | 2,135 |
| Average earning assets | $299,851,000 | 2,333 |
| Average equity | $50,595,500 | 1,745 |
| Average total loans | $188,514,000 | 2,364 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8122% | 3,265 |
| Cost of funding earning assets | 0.4302% | 3,405 |
| Net interest margin | 3.3820% | 2,828 |
| Noninterest income to average assets | 0.6741% | 1,939 |
| Noninterest expense to average assets | 1.4684% | 4,800 |
| Loan and lease loss provision to assets | 0.0179% | 4,157 |
| Net operating income to assets | 2.1669% | 193 |
| Return on assets (ROA) | 2.1669% | 203 |
| Pretax return on assets | 2.1669% | 314 |
| Return on Equity (ROE) | 14.8110% | 664 |
| Retained earnings to average equity (ytd only) | 3.3305% | 3,161 |
| Net charge-offs to loans | -0.0005% | 3,902 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1944% | 4,865 |
| Assets per employee ($millions) | 13.2318% | 251 |
| Cash dividends to net income (ytd only)* | 77.5131% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 2,285 |
| Loan loss allowance to noncurrent loans | 2,107.5000% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 4,194 |
| Noncurrent loans to loans | 0.0629% | 4,039 |
| Net loans and leases to total assets | 52.7130% | 3,611 |
| Net loans and leases to deposits | 62.6458% | 3,557 |
| Net loans and leases to core deposits | 64.8380% | 3,641 |
| Total domestic deposits to total assets | 84.1446% | 3,068 |
| Equity capital to assets | 14.2474% | 741 |
| Core capital (leverage) ratio | 13.6380% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $335,128,600 | 2,114 |
| Average earning assets | $295,213,200 | 2,211 |
| Average equity | $49,031,000 | 1,726 |
| Average total loans | $198,910,000 | 2,244 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9265% | 3,173 |
| Cost of funding earning assets | 0.4548% | 3,499 |
| Net interest margin | 3.4718% | 2,684 |
| Noninterest income to average assets | 0.6315% | 2,063 |
| Noninterest expense to average assets | 1.5052% | 4,797 |
| Loan and lease loss provision to assets | 0.0182% | 4,105 |
| Net operating income to assets | 2.1901% | 207 |
| Return on assets (ROA) | 2.1901% | 225 |
| Pretax return on assets | 2.1901% | 346 |
| Return on Equity (ROE) | 14.8639% | 719 |
| Retained earnings to average equity (ytd only) | -0.5903% | 4,565 |
| Net charge-offs to loans | -0.0007% | 3,790 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5338% | 4,881 |
| Assets per employee ($millions) | 12.8997% | 266 |
| Cash dividends to net income (ytd only)* | 103.9712% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 2,147 |
| Loan loss allowance to noncurrent loans | 490.0585% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 3,680 |
| Noncurrent loans to loans | 0.2657% | 3,340 |
| Net loans and leases to total assets | 54.7160% | 3,735 |
| Net loans and leases to deposits | 64.9474% | 3,707 |
| Net loans and leases to core deposits | 67.1600% | 3,812 |
| Total domestic deposits to total assets | 84.2466% | 2,731 |
| Equity capital to assets | 14.0520% | 844 |
| Core capital (leverage) ratio | 13.7422% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $329,596,000 | 2,119 |
| Average earning assets | $292,599,250 | 2,203 |
| Average equity | $48,563,750 | 1,731 |
| Average total loans | $200,924,750 | 2,223 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 3,027 |
| Cost of funding earning assets | 0.4780% | 3,669 |
| Net interest margin | 3.6325% | 2,370 |
| Noninterest income to average assets | 0.5733% | 2,238 |
| Noninterest expense to average assets | 1.5487% | 4,818 |
| Loan and lease loss provision to assets | 0.0186% | 4,004 |
| Net operating income to assets | 2.2631% | 204 |
| Return on assets (ROA) | 2.2631% | 223 |
| Pretax return on assets | 2.2631% | 324 |
| Return on Equity (ROE) | 15.1081% | 694 |
| Retained earnings to average equity (ytd only) | -2.2957% | 4,612 |
| Net charge-offs to loans | -0.0010% | 3,748 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4327% | 4,903 |
| Assets per employee ($millions) | 12.8455% | 260 |
| Cash dividends to net income (ytd only)* | 115.1954% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,208 |
| 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 | 56.4776% | 3,647 |
| Net loans and leases to deposits | 67.1254% | 3,632 |
| Net loans and leases to core deposits | 69.5774% | 3,740 |
| Total domestic deposits to total assets | 84.1374% | 2,710 |
| Equity capital to assets | 14.0317% | 846 |
| Core capital (leverage) ratio | 14.0834% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,363,667 | 2,128 |
| Average earning assets | $289,937,333 | 2,185 |
| Average equity | $48,437,667 | 1,719 |
| Average total loans | $203,537,667 | 2,196 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 3,003 |
| Cost of funding earning assets | 0.5056% | 3,916 |
| Net interest margin | 3.7657% | 2,098 |
| Noninterest income to average assets | 0.4184% | 2,981 |
| Noninterest expense to average assets | 1.6237% | 4,838 |
| Loan and lease loss provision to assets | 0.0193% | 3,553 |
| Net operating income to assets | 2.2360% | 170 |
| Return on assets (ROA) | 2.2360% | 189 |
| Pretax return on assets | 2.2360% | 274 |
| Return on Equity (ROE) | 14.4195% | 622 |
| Retained earnings to average equity (ytd only) | 2.7233% | 3,189 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8597% | 4,950 |
| Assets per employee ($millions) | 11.6107% | 259 |
| Cash dividends to net income (ytd only)* | 81.1137% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 2,604 |
| 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 | 64.5852% | 2,990 |
| Net loans and leases to deposits | 78.9354% | 2,783 |
| Net loans and leases to core deposits | 82.1044% | 3,017 |
| Total domestic deposits to total assets | 81.8204% | 3,465 |
| Equity capital to assets | 15.5224% | 664 |
| Core capital (leverage) ratio | 15.4392% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,631,500 | 2,144 |
| Average earning assets | $286,377,500 | 2,153 |
| Average equity | $48,323,500 | 1,711 |
| Average total loans | $206,117,000 | 2,139 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 2,943 |
| Cost of funding earning assets | 0.5003% | 4,092 |
| Net interest margin | 3.9995% | 1,862 |
| Noninterest income to average assets | 0.4151% | 3,204 |
| Noninterest expense to average assets | 1.6657% | 4,907 |
| Loan and lease loss provision to assets | 0.0362% | 3,284 |
| Net operating income to assets | 2.3520% | 167 |
| Return on assets (ROA) | 2.3546% | 178 |
| Pretax return on assets | 2.3550% | 270 |
| Return on Equity (ROE) | 15.5463% | 600 |
| Retained earnings to average equity (ytd only) | 3.3688% | 3,327 |
| Net charge-offs to loans | -0.0024% | 4,243 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0848% | 5,046 |
| Assets per employee ($millions) | 11.4731% | 259 |
| Cash dividends to net income (ytd only)* | 78.3308% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 2,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 66.1177% | 2,934 |
| Net loans and leases to deposits | 81.4951% | 2,616 |
| Net loans and leases to core deposits | 84.2175% | 2,928 |
| Total domestic deposits to total assets | 81.1308% | 3,737 |
| Equity capital to assets | 15.4906% | 686 |
| Core capital (leverage) ratio | 15.6602% | 564 |
| Tier 1 risk-based capital ratio | 19.9095% | 1,341 |
| Total risk-based capital ratio | 20.9423% | 1,345 |
| Memoranda: | ||
| Average total assets | $303,783,200 | 2,143 |
| Average earning assets | $276,408,200 | 2,169 |
| Average equity | $46,011,000 | 1,721 |
| Average total loans | $208,115,600 | 2,102 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 2,918 |
| Cost of funding earning assets | 0.4996% | 4,144 |
| Net interest margin | 4.0435% | 1,793 |
| Noninterest income to average assets | 0.3996% | 3,323 |
| Noninterest expense to average assets | 1.6426% | 4,974 |
| Loan and lease loss provision to assets | 0.0419% | 3,062 |
| Net operating income to assets | 2.3884% | 193 |
| Return on assets (ROA) | 2.3919% | 201 |
| Pretax return on assets | 2.3919% | 310 |
| Return on Equity (ROE) | 15.8852% | 625 |
| Retained earnings to average equity (ytd only) | -0.5273% | 4,812 |
| Net charge-offs to loans | -0.0006% | 3,979 |
| Credit loss provision to net charge-offs | -9,500.0000% | 4,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3292% | 5,115 |
| Assets per employee ($millions) | 11.0726% | 266 |
| Cash dividends to net income (ytd only)* | 103.3191% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 2,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.4937% | 2,709 |
| Net loans and leases to deposits | 85.2692% | 2,286 |
| Net loans and leases to core deposits | 87.9210% | 2,740 |
| Total domestic deposits to total assets | 80.3264% | 3,915 |
| Equity capital to assets | 15.4968% | 728 |
| Core capital (leverage) ratio | 15.7147% | 600 |
| Tier 1 risk-based capital ratio | 20.6289% | 1,252 |
| Total risk-based capital ratio | 21.7309% | 1,257 |
| Memoranda: | ||
| Average total assets | $302,285,250 | 2,172 |
| Average earning assets | $274,607,500 | 2,194 |
| Average equity | $45,517,250 | 1,742 |
| Average total loans | $208,323,500 | 2,118 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5065% | 2,997 |
| Cost of funding earning assets | 0.4814% | 4,199 |
| Net interest margin | 4.0251% | 1,842 |
| Noninterest income to average assets | 0.3487% | 3,604 |
| Noninterest expense to average assets | 1.6217% | 5,043 |
| Loan and lease loss provision to assets | 0.0527% | 2,765 |
| Net operating income to assets | 2.3455% | 195 |
| Return on assets (ROA) | 2.3507% | 199 |
| Pretax return on assets | 2.3507% | 316 |
| Return on Equity (ROE) | 15.7625% | 628 |
| Retained earnings to average equity (ytd only) | -2.7582% | 4,960 |
| Net charge-offs to loans | -0.0010% | 3,894 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3411% | 5,154 |
| Assets per employee ($millions) | 10.8637% | 270 |
| Cash dividends to net income (ytd only)* | 117.4986% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 2,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 70.3341% | 2,483 |
| Net loans and leases to deposits | 88.7772% | 1,889 |
| Net loans and leases to core deposits | 90.4854% | 2,557 |
| Total domestic deposits to total assets | 79.2254% | 4,177 |
| Equity capital to assets | 15.5472% | 699 |
| Core capital (leverage) ratio | 15.3256% | 643 |
| Tier 1 risk-based capital ratio | 20.5825% | 1,236 |
| Total risk-based capital ratio | 21.6859% | 1,235 |
| Memoranda: | ||
| Average total assets | $303,394,000 | 2,168 |
| Average earning assets | $276,710,670 | 2,182 |
| Average equity | $45,246,670 | 1,743 |
| Average total loans | $208,692,330 | 2,123 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 3,253 |
| Cost of funding earning assets | 0.4468% | 4,303 |
| Net interest margin | 3.9457% | 2,037 |
| Noninterest income to average assets | 0.3281% | 3,661 |
| Noninterest expense to average assets | 1.6133% | 5,090 |
| Loan and lease loss provision to assets | 0.0195% | 3,190 |
| Net operating income to assets | 2.2799% | 227 |
| Return on assets (ROA) | 2.2799% | 238 |
| Pretax return on assets | 2.2799% | 374 |
| Return on Equity (ROE) | 15.6029% | 650 |
| Retained earnings to average equity (ytd only) | 3.2839% | 3,608 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2330% | 5,184 |
| Assets per employee ($millions) | 11.0174% | 258 |
| Cash dividends to net income (ytd only)* | 78.9534% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 2,854 |
| Loan loss allowance to noncurrent loans | 395.3255% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 3,810 |
| Noncurrent loans to loans | 0.2908% | 3,524 |
| Net loans and leases to total assets | 68.4587% | 2,697 |
| Net loans and leases to deposits | 86.0932% | 2,124 |
| Net loans and leases to core deposits | 87.9205% | 2,698 |
| Total domestic deposits to total assets | 79.5169% | 4,249 |
| Equity capital to assets | 15.2923% | 689 |
| Core capital (leverage) ratio | 15.5622% | 587 |
| Tier 1 risk-based capital ratio | 20.9264% | 1,173 |
| Total risk-based capital ratio | 21.9944% | 1,180 |
| Memoranda: | ||
| Average total assets | $308,431,000 | 2,139 |
| Average earning assets | $280,202,000 | 2,178 |
| Average equity | $45,068,500 | 1,732 |
| Average total loans | $208,669,500 | 2,143 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 3,249 |
| Cost of funding earning assets | 0.4108% | 3,920 |
| Net interest margin | 3.8465% | 2,514 |
| Noninterest income to average assets | 0.3380% | 3,856 |
| Noninterest expense to average assets | 1.5746% | 5,185 |
| Loan and lease loss provision to assets | 0.0193% | 3,780 |
| Net operating income to assets | 2.2609% | 226 |
| Return on assets (ROA) | 2.2587% | 219 |
| Pretax return on assets | 2.2587% | 315 |
| Return on Equity (ROE) | 16.3948% | 553 |
| Retained earnings to average equity (ytd only) | 3.6801% | 3,556 |
| Net charge-offs to loans | 0.0057% | 3,504 |
| Credit loss provision to net charge-offs | 500.0000% | 689 |
| Earnings coverage of net charge-offs (x) | 591.4167% | 184 |
| Efficiency ratio | 40.8485% | 5,270 |
| Assets per employee ($millions) | 11.8293% | 211 |
| Cash dividends to net income (ytd only)* | 77.5533% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 3,016 |
| Loan loss allowance to noncurrent loans | 392.8214% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 3,874 |
| Noncurrent loans to loans | 0.2834% | 3,550 |
| Net loans and leases to total assets | 65.4287% | 3,206 |
| Net loans and leases to deposits | 80.3165% | 2,918 |
| Net loans and leases to core deposits | 81.7793% | 3,281 |
| Total domestic deposits to total assets | 81.4635% | 3,794 |
| Equity capital to assets | 13.9787% | 977 |
| Core capital (leverage) ratio | 15.2391% | 635 |
| Tier 1 risk-based capital ratio | 20.2276% | 1,266 |
| Total risk-based capital ratio | 21.2617% | 1,277 |
| Memoranda: | ||
| Average total assets | $311,244,400 | 2,084 |
| Average earning assets | $284,571,200 | 2,108 |
| Average equity | $42,879,400 | 1,742 |
| Average total loans | $211,214,200 | 2,088 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2270% | 3,218 |
| Cost of funding earning assets | 0.4043% | 3,828 |
| Net interest margin | 3.8227% | 2,557 |
| Noninterest income to average assets | 0.3243% | 3,976 |
| Noninterest expense to average assets | 1.5562% | 5,240 |
| Loan and lease loss provision to assets | 0.0194% | 3,618 |
| Net operating income to assets | 2.2668% | 243 |
| Return on assets (ROA) | 2.2638% | 243 |
| Pretax return on assets | 2.2638% | 361 |
| Return on Equity (ROE) | 16.4944% | 614 |
| Retained earnings to average equity (ytd only) | -0.6347% | 5,107 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5005% | 5,318 |
| Assets per employee ($millions) | 10.7142% | 267 |
| Cash dividends to net income (ytd only)* | 103.8475% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 2,995 |
| Loan loss allowance to noncurrent loans | 392.3205% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 3,948 |
| Noncurrent loans to loans | 0.2894% | 3,647 |
| Net loans and leases to total assets | 68.2140% | 2,900 |
| Net loans and leases to deposits | 85.7127% | 2,395 |
| Net loans and leases to core deposits | 86.8628% | 2,932 |
| Total domestic deposits to total assets | 79.5845% | 4,200 |
| Equity capital to assets | 13.8698% | 999 |
| Core capital (leverage) ratio | 14.6105% | 796 |
| Tier 1 risk-based capital ratio | 19.9211% | 1,351 |
| Total risk-based capital ratio | 20.9792% | 1,358 |
| Memoranda: | ||
| Average total assets | $309,207,500 | 2,107 |
| Average earning assets | $284,573,000 | 2,118 |
| Average equity | $42,437,500 | 1,766 |
| Average total loans | $211,186,000 | 2,093 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 3,152 |
| Cost of funding earning assets | 0.4292% | 3,501 |
| Net interest margin | 3.7590% | 2,719 |
| Noninterest income to average assets | 0.3023% | 4,156 |
| Noninterest expense to average assets | 1.5403% | 5,314 |
| Loan and lease loss provision to assets | 0.0192% | 3,515 |
| Net operating income to assets | 2.1872% | 265 |
| Return on assets (ROA) | 2.1827% | 260 |
| Pretax return on assets | 2.1827% | 401 |
| Return on Equity (ROE) | 15.9574% | 683 |
| Retained earnings to average equity (ytd only) | -3.1887% | 5,223 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1111% | 5,375 |
| Assets per employee ($millions) | 11.0475% | 238 |
| Cash dividends to net income (ytd only)* | 119.9824% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 3,186 |
| Loan loss allowance to noncurrent loans | 240.9701% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 3,515 |
| Noncurrent loans to loans | 0.4623% | 3,050 |
| Net loans and leases to total assets | 67.0068% | 3,009 |
| Net loans and leases to deposits | 82.0762% | 2,758 |
| Net loans and leases to core deposits | 85.5153% | 2,967 |
| Total domestic deposits to total assets | 81.6397% | 3,830 |
| Equity capital to assets | 13.4717% | 1,113 |
| Core capital (leverage) ratio | 14.1005% | 883 |
| Tier 1 risk-based capital ratio | 19.4213% | 1,448 |
| Total risk-based capital ratio | 20.4574% | 1,456 |
| Memoranda: | ||
| Average total assets | $312,277,670 | 2,108 |
| Average earning assets | $286,139,670 | 2,124 |
| Average equity | $42,713,670 | 1,751 |
| Average total loans | $212,584,670 | 2,089 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 3,110 |
| Cost of funding earning assets | 0.4227% | 3,422 |
| Net interest margin | 3.7111% | 2,757 |
| Noninterest income to average assets | 0.3162% | 4,038 |
| Noninterest expense to average assets | 1.5592% | 5,348 |
| Loan and lease loss provision to assets | 0.0191% | 3,286 |
| Net operating income to assets | 2.1520% | 267 |
| Return on assets (ROA) | 2.1520% | 269 |
| Pretax return on assets | 2.1520% | 414 |
| Return on Equity (ROE) | 15.6172% | 681 |
| Retained earnings to average equity (ytd only) | 3.0069% | 3,996 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7977% | 5,406 |
| Assets per employee ($millions) | 11.4225% | 218 |
| Cash dividends to net income (ytd only)* | 80.7464% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 3,427 |
| Loan loss allowance to noncurrent loans | 248.3940% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 3,634 |
| Noncurrent loans to loans | 0.4401% | 3,212 |
| Net loans and leases to total assets | 68.0659% | 2,762 |
| Net loans and leases to deposits | 85.9433% | 2,172 |
| Net loans and leases to core deposits | 89.4792% | 2,493 |
| Total domestic deposits to total assets | 79.1986% | 4,548 |
| Equity capital to assets | 13.8904% | 919 |
| Core capital (leverage) ratio | 14.5635% | 748 |
| Tier 1 risk-based capital ratio | 19.6518% | 1,405 |
| Total risk-based capital ratio | 20.6701% | 1,417 |
| Memoranda: | ||
| Average total assets | $313,751,500 | 2,121 |
| Average earning assets | $288,647,500 | 2,130 |
| Average equity | $43,234,500 | 1,741 |
| Average total loans | $214,073,500 | 2,087 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0747% | 3,155 |
| Cost of funding earning assets | 0.3844% | 3,388 |
| Net interest margin | 3.6904% | 2,834 |
| Noninterest income to average assets | 0.3232% | 4,157 |
| Noninterest expense to average assets | 1.5243% | 5,460 |
| Loan and lease loss provision to assets | 0.0338% | 3,588 |
| Net operating income to assets | 2.1877% | 195 |
| Return on assets (ROA) | 2.2009% | 195 |
| Pretax return on assets | 2.1997% | 316 |
| Return on Equity (ROE) | 15.9653% | 489 |
| Retained earnings to average equity (ytd only) | 3.3532% | 3,286 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7067% | 5,516 |
| Assets per employee ($millions) | 12.2729% | 175 |
| Cash dividends to net income (ytd only)* | 78.9966% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,510 |
| Loan loss allowance to noncurrent loans | 245.9979% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 3,713 |
| Noncurrent loans to loans | 0.4340% | 3,226 |
| Net loans and leases to total assets | 66.9397% | 2,972 |
| Net loans and leases to deposits | 83.9776% | 2,493 |
| Net loans and leases to core deposits | 88.2387% | 2,702 |
| Total domestic deposits to total assets | 79.7114% | 4,392 |
| Equity capital to assets | 13.6730% | 994 |
| Core capital (leverage) ratio | 14.1597% | 800 |
| Tier 1 risk-based capital ratio | 19.2090% | 1,468 |
| Total risk-based capital ratio | 20.2052% | 1,471 |
| Memoranda: | ||
| Average total assets | $310,638,800 | 2,116 |
| Average earning assets | $287,993,800 | 2,110 |
| Average equity | $42,824,200 | 1,740 |
| Average total loans | $200,533,000 | 2,151 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,245 |
| Cost of funding earning assets | 0.3823% | 3,355 |
| Net interest margin | 3.6483% | 2,958 |
| Noninterest income to average assets | 0.3289% | 4,185 |
| Noninterest expense to average assets | 1.5160% | 5,505 |
| Loan and lease loss provision to assets | 0.0194% | 3,751 |
| Net operating income to assets | 2.1893% | 217 |
| Return on assets (ROA) | 2.2057% | 216 |
| Pretax return on assets | 2.2040% | 360 |
| Return on Equity (ROE) | 15.9660% | 531 |
| Retained earnings to average equity (ytd only) | -0.9291% | 5,342 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7197% | 5,565 |
| Assets per employee ($millions) | 11.8363% | 187 |
| Cash dividends to net income (ytd only)* | 105.8190% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 3,460 |
| Loan loss allowance to noncurrent loans | 20,409.0909% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 5,251 |
| Noncurrent loans to loans | 0.0054% | 5,124 |
| Net loans and leases to total assets | 65.3387% | 3,201 |
| Net loans and leases to deposits | 83.1834% | 2,639 |
| Net loans and leases to core deposits | 87.7326% | 2,802 |
| Total domestic deposits to total assets | 78.5478% | 4,620 |
| Equity capital to assets | 13.8784% | 1,027 |
| Core capital (leverage) ratio | 14.1669% | 845 |
| Tier 1 risk-based capital ratio | 19.4654% | 1,490 |
| Total risk-based capital ratio | 20.4884% | 1,489 |
| Memoranda: | ||
| Average total assets | $308,524,500 | 2,136 |
| Average earning assets | $287,027,750 | 2,126 |
| Average equity | $42,622,750 | 1,761 |
| Average total loans | $196,689,500 | 2,192 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 3,246 |
| Cost of funding earning assets | 0.3763% | 3,320 |
| Net interest margin | 3.6124% | 2,990 |
| Noninterest income to average assets | 0.3290% | 4,191 |
| Noninterest expense to average assets | 1.5053% | 5,564 |
| Loan and lease loss provision to assets | 0.0194% | 3,586 |
| Net operating income to assets | 2.1704% | 224 |
| Return on assets (ROA) | 2.1912% | 219 |
| Pretax return on assets | 2.1886% | 361 |
| Return on Equity (ROE) | 15.8850% | 546 |
| Retained earnings to average equity (ytd only) | -3.0756% | 5,436 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7648% | 5,607 |
| Assets per employee ($millions) | 11.6462% | 192 |
| Cash dividends to net income (ytd only)* | 119.3615% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 3,374 |
| Loan loss allowance to noncurrent loans | 414.4981% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 4,469 |
| Noncurrent loans to loans | 0.2746% | 4,061 |
| Net loans and leases to total assets | 63.9599% | 3,392 |
| Net loans and leases to deposits | 83.0177% | 2,599 |
| Net loans and leases to core deposits | 87.5247% | 2,745 |
| Total domestic deposits to total assets | 77.0437% | 4,950 |
| Equity capital to assets | 14.0693% | 939 |
| Core capital (leverage) ratio | 14.2653% | 789 |
| Tier 1 risk-based capital ratio | 19.8224% | 1,404 |
| Total risk-based capital ratio | 20.8661% | 1,407 |
| Memoranda: | ||
| Average total assets | $308,784,670 | 2,141 |
| Average earning assets | $287,509,330 | 2,127 |
| Average equity | $42,593,670 | 1,755 |
| Average total loans | $194,479,000 | 2,221 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9415% | 3,235 |
| Cost of funding earning assets | 0.3754% | 3,249 |
| Net interest margin | 3.5661% | 3,025 |
| Noninterest income to average assets | 0.3284% | 4,198 |
| Noninterest expense to average assets | 1.4895% | 5,637 |
| Loan and lease loss provision to assets | 0.0192% | 3,324 |
| Net operating income to assets | 2.1400% | 249 |
| Return on assets (ROA) | 2.1759% | 239 |
| Pretax return on assets | 2.1708% | 368 |
| Return on Equity (ROE) | 15.9288% | 535 |
| Retained earnings to average equity (ytd only) | 3.3717% | 3,751 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8803% | 5,675 |
| Assets per employee ($millions) | 11.5254% | 192 |
| Cash dividends to net income (ytd only)* | 78.8325% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,496 |
| Loan loss allowance to noncurrent loans | 395.5357% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 4,502 |
| Noncurrent loans to loans | 0.2866% | 4,089 |
| Net loans and leases to total assets | 64.4605% | 3,205 |
| Net loans and leases to deposits | 84.4163% | 2,234 |
| Net loans and leases to core deposits | 89.1179% | 2,443 |
| Total domestic deposits to total assets | 76.3603% | 5,195 |
| Equity capital to assets | 14.2594% | 830 |
| Core capital (leverage) ratio | 14.2035% | 786 |
| Tier 1 risk-based capital ratio | 20.5713% | 1,288 |
| Total risk-based capital ratio | 21.6219% | 1,291 |
| Memoranda: | ||
| Average total assets | $311,776,000 | 2,139 |
| Average earning assets | $289,836,500 | 2,134 |
| Average equity | $42,589,500 | 1,752 |
| Average total loans | $193,767,500 | 2,235 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8078% | 3,883 |
| Cost of funding earning assets | 0.3627% | 3,386 |
| Net interest margin | 3.4451% | 3,643 |
| Noninterest income to average assets | 0.3082% | 4,530 |
| Noninterest expense to average assets | 1.3667% | 5,791 |
| Loan and lease loss provision to assets | 0.1090% | 2,235 |
| Net operating income to assets | 2.0494% | 284 |
| Return on assets (ROA) | 2.0655% | 289 |
| Pretax return on assets | 2.0671% | 430 |
| Return on Equity (ROE) | 15.1339% | 611 |
| Retained earnings to average equity (ytd only) | 3.4436% | 3,480 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7525% | 5,803 |
| Assets per employee ($millions) | 12.4573% | 154 |
| Cash dividends to net income (ytd only)* | 77.2456% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 58.6484% | 4,004 |
| Net loans and leases to deposits | 72.9784% | 3,616 |
| Net loans and leases to core deposits | 78.5947% | 3,522 |
| Total domestic deposits to total assets | 80.3641% | 4,494 |
| Equity capital to assets | 13.1060% | 1,218 |
| Core capital (leverage) ratio | 13.6224% | 924 |
| Tier 1 risk-based capital ratio | 20.5565% | 1,283 |
| Total risk-based capital ratio | 21.6080% | 1,289 |
| Memoranda: | ||
| Average total assets | $316,384,600 | 2,084 |
| Average earning assets | $295,580,200 | 2,072 |
| Average equity | $43,181,200 | 1,719 |
| Average total loans | $173,316,600 | 2,384 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7814% | 3,977 |
| Cost of funding earning assets | 0.3646% | 3,388 |
| Net interest margin | 3.4168% | 3,791 |
| Noninterest income to average assets | 0.3099% | 4,554 |
| Noninterest expense to average assets | 1.3422% | 5,848 |
| Loan and lease loss provision to assets | 0.0615% | 3,004 |
| Net operating income to assets | 2.1146% | 286 |
| Return on assets (ROA) | 2.1345% | 287 |
| Pretax return on assets | 2.1366% | 434 |
| Return on Equity (ROE) | 15.4809% | 616 |
| Retained earnings to average equity (ytd only) | -0.0400% | 5,357 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1262% | 5,861 |
| Assets per employee ($millions) | 12.2154% | 160 |
| Cash dividends to net income (ytd only)* | 100.2581% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 3,870 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 57.0224% | 4,192 |
| Net loans and leases to deposits | 72.9304% | 3,712 |
| Net loans and leases to core deposits | 81.5570% | 3,319 |
| Total domestic deposits to total assets | 78.1873% | 4,882 |
| Equity capital to assets | 13.8095% | 1,114 |
| Core capital (leverage) ratio | 13.1524% | 1,131 |
| Tier 1 risk-based capital ratio | 20.7205% | 1,317 |
| Total risk-based capital ratio | 21.7188% | 1,325 |
| Memoranda: | ||
| Average total assets | $314,508,000 | 2,097 |
| Average earning assets | $295,508,750 | 2,074 |
| Average equity | $43,364,250 | 1,721 |
| Average total loans | $168,606,500 | 2,429 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7357% | 4,168 |
| Cost of funding earning assets | 0.3618% | 3,433 |
| Net interest margin | 3.3739% | 3,985 |
| Noninterest income to average assets | 0.2941% | 4,674 |
| Noninterest expense to average assets | 1.3615% | 5,913 |
| Loan and lease loss provision to assets | 0.0829% | 2,477 |
| Net operating income to assets | 2.0123% | 328 |
| Return on assets (ROA) | 2.0391% | 320 |
| Pretax return on assets | 2.0416% | 527 |
| Return on Equity (ROE) | 14.7965% | 698 |
| Retained earnings to average equity (ytd only) | -2.3750% | 5,569 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3582% | 5,919 |
| Assets per employee ($millions) | 12.0425% | 157 |
| Cash dividends to net income (ytd only)* | 116.0513% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 3,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 54.8888% | 4,423 |
| Net loans and leases to deposits | 68.9801% | 4,088 |
| Net loans and leases to core deposits | 75.1372% | 3,899 |
| Total domestic deposits to total assets | 79.5720% | 4,656 |
| Equity capital to assets | 14.0180% | 1,017 |
| Core capital (leverage) ratio | 13.1215% | 1,111 |
| Tier 1 risk-based capital ratio | 20.8388% | 1,290 |
| Total risk-based capital ratio | 21.8474% | 1,310 |
| Memoranda: | ||
| Average total assets | $313,477,330 | 2,107 |
| Average earning assets | $294,082,670 | 2,089 |
| Average equity | $43,199,330 | 1,726 |
| Average total loans | $163,774,330 | 2,486 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6898% | 4,359 |
| Cost of funding earning assets | 0.3630% | 3,471 |
| Net interest margin | 3.3269% | 4,118 |
| Noninterest income to average assets | 0.2793% | 4,715 |
| Noninterest expense to average assets | 1.3084% | 6,003 |
| Loan and lease loss provision to assets | 0.0191% | 3,440 |
| Net operating income to assets | 2.0442% | 306 |
| Return on assets (ROA) | 2.0965% | 294 |
| Pretax return on assets | 2.1016% | 463 |
| Return on Equity (ROE) | 15.3453% | 620 |
| Retained earnings to average equity (ytd only) | 4.2750% | 3,341 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7462% | 5,989 |
| Assets per employee ($millions) | 12.4405% | 141 |
| Cash dividends to net income (ytd only)* | 72.1411% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 3,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 5,109 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 52.1393% | 4,617 |
| Net loans and leases to deposits | 64.3260% | 4,413 |
| Net loans and leases to core deposits | 67.0241% | 4,472 |
| Total domestic deposits to total assets | 81.0548% | 4,482 |
| Equity capital to assets | 14.0126% | 977 |
| Core capital (leverage) ratio | 13.5438% | 968 |
| Tier 1 risk-based capital ratio | 23.1464% | 998 |
| Total risk-based capital ratio | 24.1774% | 1,001 |
| Memoranda: | ||
| Average total assets | $313,664,000 | 2,115 |
| Average earning assets | $292,044,500 | 2,112 |
| Average equity | $42,853,500 | 1,735 |
| Average total loans | $158,739,500 | 2,544 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7760% | 4,112 |
| Cost of funding earning assets | 0.4130% | 3,020 |
| Net interest margin | 3.3629% | 4,063 |
| Noninterest income to average assets | 0.3375% | 4,494 |
| Noninterest expense to average assets | 1.3341% | 6,065 |
| Loan and lease loss provision to assets | 0.0210% | 3,967 |
| Net operating income to assets | 2.0561% | 317 |
| Return on assets (ROA) | 2.0803% | 311 |
| Pretax return on assets | 2.0775% | 454 |
| Return on Equity (ROE) | 14.3553% | 791 |
| Retained earnings to average equity (ytd only) | 3.0017% | 3,928 |
| Net charge-offs to loans | 0.0888% | 2,550 |
| Credit loss provision to net charge-offs | 48.0000% | 3,434 |
| Earnings coverage of net charge-offs (x) | 47.3440% | 1,040 |
| Efficiency ratio | 39.1403% | 6,077 |
| Assets per employee ($millions) | 12.6526% | 131 |
| Cash dividends to net income (ytd only)* | 79.0901% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 3,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 5,126 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 47.9250% | 5,017 |
| Net loans and leases to deposits | 57.1977% | 4,967 |
| Net loans and leases to core deposits | 58.9035% | 5,047 |
| Total domestic deposits to total assets | 83.7883% | 3,569 |
| Equity capital to assets | 13.3177% | 1,203 |
| Core capital (leverage) ratio | 13.4383% | 993 |
| Tier 1 risk-based capital ratio | 25.2404% | 798 |
| Total risk-based capital ratio | 26.3679% | 791 |
| Memoranda: | ||
| Average total assets | $285,295,000 | 2,234 |
| Average earning assets | $260,516,200 | 2,262 |
| Average equity | $41,343,600 | 1,747 |
| Average total loans | $140,790,800 | 2,715 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 4,061 |
| Cost of funding earning assets | 0.4318% | 2,883 |
| Net interest margin | 3.3770% | 4,043 |
| Noninterest income to average assets | 0.3209% | 4,646 |
| Noninterest expense to average assets | 1.3249% | 6,139 |
| Loan and lease loss provision to assets | 0.0216% | 3,842 |
| Net operating income to assets | 2.0590% | 330 |
| Return on assets (ROA) | 2.0854% | 335 |
| Pretax return on assets | 2.0816% | 521 |
| Return on Equity (ROE) | 14.0660% | 889 |
| Retained earnings to average equity (ytd only) | -1.1438% | 5,772 |
| Net charge-offs to loans | 0.0833% | 2,352 |
| Credit loss provision to net charge-offs | 52.3256% | 3,011 |
| Earnings coverage of net charge-offs (x) | 50.2691% | 1,045 |
| Efficiency ratio | 38.9493% | 6,146 |
| Assets per employee ($millions) | 12.5615% | 133 |
| Cash dividends to net income (ytd only)* | 108.1317% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 2,943 |
| Loan loss allowance to noncurrent loans | 968.5567% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 5,006 |
| Noncurrent loans to loans | 0.1375% | 5,082 |
| Net loans and leases to total assets | 46.1610% | 5,218 |
| Net loans and leases to deposits | 55.4315% | 5,162 |
| Net loans and leases to core deposits | 56.1578% | 5,302 |
| Total domestic deposits to total assets | 83.2759% | 3,712 |
| Equity capital to assets | 13.5968% | 1,182 |
| Core capital (leverage) ratio | 14.0369% | 851 |
| Tier 1 risk-based capital ratio | 25.9353% | 771 |
| Total risk-based capital ratio | 27.1557% | 760 |
| Memoranda: | ||
| Average total assets | $277,540,000 | 2,305 |
| Average earning assets | $253,199,250 | 2,334 |
| Average equity | $41,148,000 | 1,771 |
| Average total loans | $137,626,250 | 2,772 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 3,867 |
| Cost of funding earning assets | 0.4413% | 2,823 |
| Net interest margin | 3.4093% | 3,878 |
| Noninterest income to average assets | 0.3094% | 4,740 |
| Noninterest expense to average assets | 1.3422% | 6,202 |
| Loan and lease loss provision to assets | 0.0223% | 3,686 |
| Net operating income to assets | 2.0864% | 313 |
| Return on assets (ROA) | 2.1375% | 305 |
| Pretax return on assets | 2.1316% | 468 |
| Return on Equity (ROE) | 13.9853% | 905 |
| Retained earnings to average equity (ytd only) | -3.0437% | 5,925 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9619% | 6,223 |
| Assets per employee ($millions) | 11.3145% | 175 |
| Cash dividends to net income (ytd only)* | 121.7633% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 2,682 |
| Loan loss allowance to noncurrent loans | 453.4884% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 5,243 |
| Noncurrent loans to loans | 0.3123% | 4,571 |
| Net loans and leases to total assets | 49.9941% | 4,933 |
| Net loans and leases to deposits | 61.1892% | 4,755 |
| Net loans and leases to core deposits | 62.0963% | 4,941 |
| Total domestic deposits to total assets | 81.7042% | 4,385 |
| Equity capital to assets | 14.6114% | 795 |
| Core capital (leverage) ratio | 14.6159% | 682 |
| Tier 1 risk-based capital ratio | 26.1023% | 772 |
| Total risk-based capital ratio | 27.3529% | 755 |
| Memoranda: | ||
| Average total assets | $269,561,670 | 2,377 |
| Average earning assets | $247,913,670 | 2,388 |
| Average equity | $41,200,330 | 1,779 |
| Average total loans | $136,487,330 | 2,801 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8634% | 3,772 |
| Cost of funding earning assets | 0.4468% | 2,800 |
| Net interest margin | 3.4166% | 3,773 |
| Noninterest income to average assets | 0.2681% | 5,034 |
| Noninterest expense to average assets | 1.3866% | 6,241 |
| Loan and lease loss provision to assets | 0.0223% | 3,420 |
| Net operating income to assets | 1.9868% | 349 |
| Return on assets (ROA) | 1.9868% | 366 |
| Pretax return on assets | 1.9913% | 593 |
| Return on Equity (ROE) | 12.7163% | 1,157 |
| Retained earnings to average equity (ytd only) | 1.6491% | 4,815 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7797% | 6,249 |
| Assets per employee ($millions) | 11.2280% | 182 |
| Cash dividends to net income (ytd only)* | 87.0315% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 2,797 |
| Loan loss allowance to noncurrent loans | 474.2647% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 5,348 |
| Noncurrent loans to loans | 0.3011% | 4,710 |
| Net loans and leases to total assets | 49.5729% | 4,898 |
| Net loans and leases to deposits | 61.6431% | 4,609 |
| Net loans and leases to core deposits | 62.5041% | 4,814 |
| Total domestic deposits to total assets | 80.4191% | 4,954 |
| Equity capital to assets | 15.7315% | 583 |
| Core capital (leverage) ratio | 15.3326% | 559 |
| Tier 1 risk-based capital ratio | 26.6380% | 742 |
| Total risk-based capital ratio | 27.8877% | 727 |
| Memoranda: | ||
| Average total assets | $268,568,500 | 2,398 |
| Average earning assets | $246,210,500 | 2,411 |
| Average equity | $41,962,000 | 1,763 |
| Average total loans | $135,877,000 | 2,808 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9700% | 3,839 |
| Cost of funding earning assets | 0.5449% | 2,245 |
| Net interest margin | 3.4251% | 4,085 |
| Noninterest income to average assets | 0.3304% | 4,750 |
| Noninterest expense to average assets | 1.2626% | 6,405 |
| Loan and lease loss provision to assets | 0.0228% | 4,152 |
| Net operating income to assets | 2.2073% | 224 |
| Return on assets (ROA) | 2.2272% | 215 |
| Pretax return on assets | 2.2553% | 288 |
| Return on Equity (ROE) | 14.8981% | 795 |
| Retained earnings to average equity (ytd only) | 2.3347% | 4,565 |
| Net charge-offs to loans | 0.0069% | 4,787 |
| Credit loss provision to net charge-offs | 666.6667% | 395 |
| Earnings coverage of net charge-offs (x) | 659.8889% | 75 |
| Efficiency ratio | 35.8639% | 6,441 |
| Assets per employee ($millions) | 11.1527% | 179 |
| Cash dividends to net income (ytd only)* | 84.3291% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 2,904 |
| Loan loss allowance to noncurrent loans | 472.9064% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 5,420 |
| Noncurrent loans to loans | 0.2980% | 4,779 |
| Net loans and leases to total assets | 50.1799% | 4,956 |
| Net loans and leases to deposits | 62.4923% | 4,680 |
| Net loans and leases to core deposits | 63.6270% | 4,863 |
| Total domestic deposits to total assets | 80.2978% | 4,939 |
| Equity capital to assets | 15.5164% | 601 |
| Core capital (leverage) ratio | 14.8802% | 631 |
| Tier 1 risk-based capital ratio | 27.0136% | 684 |
| Total risk-based capital ratio | 28.2642% | 665 |
| Memoranda: | ||
| Average total assets | $263,019,800 | 2,400 |
| Average earning assets | $244,987,600 | 2,384 |
| Average equity | $39,320,400 | 1,798 |
| Average total loans | $130,161,400 | 2,863 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9681% | 3,889 |
| Cost of funding earning assets | 0.5634% | 2,162 |
| Net interest margin | 3.4047% | 4,224 |
| Noninterest income to average assets | 0.3218% | 4,863 |
| Noninterest expense to average assets | 1.2230% | 6,477 |
| Loan and lease loss provision to assets | 0.0229% | 3,948 |
| Net operating income to assets | 2.2078% | 234 |
| Return on assets (ROA) | 2.2098% | 239 |
| Pretax return on assets | 2.2439% | 338 |
| Return on Equity (ROE) | 14.9262% | 843 |
| Retained earnings to average equity (ytd only) | -1.1315% | 5,980 |
| Net charge-offs to loans | 0.0093% | 4,402 |
| Credit loss provision to net charge-offs | 500.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 494.2100% | 154 |
| Efficiency ratio | 35.0657% | 6,513 |
| Assets per employee ($millions) | 11.0605% | 177 |
| Cash dividends to net income (ytd only)* | 107.5807% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 3,043 |
| Loan loss allowance to noncurrent loans | 465.7702% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 5,569 |
| Noncurrent loans to loans | 0.3065% | 4,989 |
| Net loans and leases to total assets | 49.5478% | 5,051 |
| Net loans and leases to deposits | 61.2741% | 4,820 |
| Net loans and leases to core deposits | 62.3857% | 5,009 |
| Total domestic deposits to total assets | 80.8625% | 4,859 |
| Equity capital to assets | 14.9017% | 751 |
| Core capital (leverage) ratio | 14.9167% | 634 |
| Tier 1 risk-based capital ratio | 26.6051% | 738 |
| Total risk-based capital ratio | 27.8557% | 720 |
| Memoranda: | ||
| Average total assets | $261,858,500 | 2,434 |
| Average earning assets | $243,501,000 | 2,414 |
| Average equity | $38,767,500 | 1,834 |
| Average total loans | $128,643,250 | 2,900 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,869 |
| Cost of funding earning assets | 0.5735% | 2,133 |
| Net interest margin | 3.3925% | 4,210 |
| Noninterest income to average assets | 0.3368% | 4,729 |
| Noninterest expense to average assets | 1.2154% | 6,548 |
| Loan and lease loss provision to assets | 0.0230% | 3,814 |
| Net operating income to assets | 2.2167% | 223 |
| Return on assets (ROA) | 2.2167% | 231 |
| Pretax return on assets | 2.2619% | 323 |
| Return on Equity (ROE) | 15.0061% | 793 |
| Retained earnings to average equity (ytd only) | -3.0854% | 6,102 |
| Net charge-offs to loans | 0.0047% | 4,220 |
| Credit loss provision to net charge-offs | 1,000.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 992.6667% | 63 |
| Efficiency ratio | 34.7216% | 6,583 |
| Assets per employee ($millions) | 11.4274% | 154 |
| Cash dividends to net income (ytd only)* | 120.5607% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 3,073 |
| Loan loss allowance to noncurrent loans | 8,618.1818% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 6,228 |
| Noncurrent loans to loans | 0.0169% | 6,026 |
| Net loans and leases to total assets | 48.6642% | 5,118 |
| Net loans and leases to deposits | 60.3207% | 4,838 |
| Net loans and leases to core deposits | 61.3531% | 5,022 |
| Total domestic deposits to total assets | 80.6757% | 5,078 |
| Equity capital to assets | 14.8168% | 745 |
| Core capital (leverage) ratio | 14.8320% | 629 |
| Tier 1 risk-based capital ratio | 27.6341% | 663 |
| Total risk-based capital ratio | 28.8856% | 651 |
| Memoranda: | ||
| Average total assets | $260,660,330 | 2,452 |
| Average earning assets | $243,067,330 | 2,413 |
| Average equity | $38,504,330 | 1,836 |
| Average total loans | $127,047,330 | 2,924 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9628% | 3,843 |
| Cost of funding earning assets | 0.5742% | 2,211 |
| Net interest margin | 3.3887% | 4,174 |
| Noninterest income to average assets | 0.2789% | 5,132 |
| Noninterest expense to average assets | 1.2251% | 6,623 |
| Loan and lease loss provision to assets | 0.0231% | 3,528 |
| Net operating income to assets | 2.1188% | 276 |
| Return on assets (ROA) | 2.1188% | 290 |
| Pretax return on assets | 2.1866% | 361 |
| Return on Equity (ROE) | 14.3659% | 882 |
| Retained earnings to average equity (ytd only) | 2.2359% | 4,711 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6662% | 6,643 |
| Assets per employee ($millions) | 11.4752% | 158 |
| Cash dividends to net income (ytd only)* | 84.4364% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 3,235 |
| Loan loss allowance to noncurrent loans | 7,536.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 6,303 |
| Noncurrent loans to loans | 0.0196% | 6,108 |
| Net loans and leases to total assets | 47.5291% | 5,185 |
| Net loans and leases to deposits | 58.9793% | 4,843 |
| Net loans and leases to core deposits | 59.9838% | 5,037 |
| Total domestic deposits to total assets | 80.5861% | 5,360 |
| Equity capital to assets | 14.7581% | 722 |
| Core capital (leverage) ratio | 15.4336% | 548 |
| Tier 1 risk-based capital ratio | 27.7281% | 657 |
| Total risk-based capital ratio | 28.9792% | 647 |
| Memoranda: | ||
| Average total assets | $259,575,500 | 2,458 |
| Average earning assets | $241,746,000 | 2,424 |
| Average equity | $38,285,000 | 1,841 |
| Average total loans | $125,671,000 | 2,958 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9056% | 4,438 |
| Cost of funding earning assets | 0.6545% | 2,174 |
| Net interest margin | 3.2511% | 4,834 |
| Noninterest income to average assets | 0.4683% | 3,975 |
| Noninterest expense to average assets | 1.2381% | 6,705 |
| Loan and lease loss provision to assets | 0.0234% | 4,661 |
| Net operating income to assets | 2.2293% | 234 |
| Return on assets (ROA) | 2.2090% | 244 |
| Pretax return on assets | 2.2055% | 312 |
| Return on Equity (ROE) | 14.4259% | 863 |
| Retained earnings to average equity (ytd only) | 3.1880% | 3,966 |
| Net charge-offs to loans | 0.0151% | 5,145 |
| Credit loss provision to net charge-offs | 333.3333% | 683 |
| Earnings coverage of net charge-offs (x) | 320.7222% | 139 |
| Efficiency ratio | 35.5044% | 6,735 |
| Assets per employee ($millions) | 11.0966% | 170 |
| Cash dividends to net income (ytd only)* | 77.9012% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 3,144 |
| Loan loss allowance to noncurrent loans | 7,188.4615% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 6,391 |
| Noncurrent loans to loans | 0.0210% | 6,205 |
| Net loans and leases to total assets | 47.8587% | 5,307 |
| Net loans and leases to deposits | 59.2853% | 5,003 |
| Net loans and leases to core deposits | 60.2227% | 5,206 |
| Total domestic deposits to total assets | 80.7262% | 5,260 |
| Equity capital to assets | 14.7397% | 723 |
| Core capital (leverage) ratio | 15.4138% | 553 |
| Tier 1 risk-based capital ratio | 28.5545% | 578 |
| Total risk-based capital ratio | 29.8058% | 567 |
| Memoranda: | ||
| Average total assets | $256,674,600 | 2,466 |
| Average earning assets | $238,347,200 | 2,437 |
| Average equity | $39,304,200 | 1,780 |
| Average total loans | $119,500,000 | 3,049 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 4,622 |
| Cost of funding earning assets | 0.6702% | 2,175 |
| Net interest margin | 3.1947% | 5,018 |
| Noninterest income to average assets | 0.5058% | 3,764 |
| Noninterest expense to average assets | 1.2252% | 6,781 |
| Loan and lease loss provision to assets | 0.0233% | 4,544 |
| Net operating income to assets | 2.2144% | 252 |
| Return on assets (ROA) | 2.2211% | 255 |
| Pretax return on assets | 2.2165% | 369 |
| Return on Equity (ROE) | 14.3716% | 912 |
| Retained earnings to average equity (ytd only) | -0.4531% | 6,033 |
| Net charge-offs to loans | 0.0203% | 4,727 |
| Credit loss provision to net charge-offs | 250.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 239.1608% | 247 |
| Efficiency ratio | 35.4282% | 6,805 |
| Assets per employee ($millions) | 11.0362% | 174 |
| Cash dividends to net income (ytd only)* | 103.1528% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 3,194 |
| Loan loss allowance to noncurrent loans | 414.7651% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 5,913 |
| Noncurrent loans to loans | 0.3756% | 5,273 |
| Net loans and leases to total assets | 46.1492% | 5,537 |
| Net loans and leases to deposits | 56.9757% | 5,281 |
| Net loans and leases to core deposits | 57.9561% | 5,456 |
| Total domestic deposits to total assets | 80.9981% | 5,214 |
| Equity capital to assets | 14.7861% | 754 |
| Core capital (leverage) ratio | 15.0485% | 631 |
| Tier 1 risk-based capital ratio | 28.4049% | 600 |
| Total risk-based capital ratio | 29.6569% | 586 |
| Memoranda: | ||
| Average total assets | $257,037,750 | 2,481 |
| Average earning assets | $237,551,250 | 2,459 |
| Average equity | $39,725,500 | 1,766 |
| Average total loans | $118,371,250 | 3,090 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 4,610 |
| Cost of funding earning assets | 0.6854% | 2,175 |
| Net interest margin | 3.1774% | 5,023 |
| Noninterest income to average assets | 0.5881% | 3,268 |
| Noninterest expense to average assets | 1.2197% | 6,827 |
| Loan and lease loss provision to assets | 0.0232% | 4,449 |
| Net operating income to assets | 2.2727% | 228 |
| Return on assets (ROA) | 2.2681% | 246 |
| Pretax return on assets | 2.2611% | 371 |
| Return on Equity (ROE) | 14.4698% | 916 |
| Retained earnings to average equity (ytd only) | -1.6264% | 6,147 |
| Net charge-offs to loans | 0.0305% | 4,262 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 164.1111% | 302 |
| Efficiency ratio | 34.7615% | 6,856 |
| Assets per employee ($millions) | 11.0435% | 173 |
| Cash dividends to net income (ytd only)* | 111.2402% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 3,258 |
| Loan loss allowance to noncurrent loans | 410.4911% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 5,973 |
| Noncurrent loans to loans | 0.3830% | 5,320 |
| Net loans and leases to total assets | 45.3293% | 5,603 |
| Net loans and leases to deposits | 56.0624% | 5,336 |
| Net loans and leases to core deposits | 57.3229% | 5,489 |
| Total domestic deposits to total assets | 80.8552% | 5,387 |
| Equity capital to assets | 14.6822% | 784 |
| Core capital (leverage) ratio | 14.7974% | 648 |
| Tier 1 risk-based capital ratio | 29.4703% | 549 |
| Total risk-based capital ratio | 30.7229% | 542 |
| Memoranda: | ||
| Average total assets | $258,106,000 | 2,477 |
| Average earning assets | $237,237,330 | 2,472 |
| Average equity | $40,456,670 | 1,740 |
| Average total loans | $118,163,000 | 3,103 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8490% | 4,648 |
| Cost of funding earning assets | 0.6977% | 2,240 |
| Net interest margin | 3.1513% | 5,087 |
| Noninterest income to average assets | 0.7042% | 2,566 |
| Noninterest expense to average assets | 1.1731% | 6,918 |
| Loan and lease loss provision to assets | 0.0231% | 4,175 |
| Net operating income to assets | 2.3955% | 181 |
| Return on assets (ROA) | 2.3924% | 195 |
| Pretax return on assets | 2.3939% | 313 |
| Return on Equity (ROE) | 14.8055% | 805 |
| Retained earnings to average equity (ytd only) | 4.7195% | 3,406 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6487% | 6,945 |
| Assets per employee ($millions) | 11.6964% | 153 |
| Cash dividends to net income (ytd only)* | 68.1234% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5606% | 3,571 |
| Loan loss allowance to noncurrent loans | 148.3092% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 5,178 |
| Noncurrent loans to loans | 1.0523% | 4,037 |
| Net loans and leases to total assets | 45.1526% | 5,533 |
| Net loans and leases to deposits | 57.1483% | 5,120 |
| Net loans and leases to core deposits | 59.3305% | 5,211 |
| Total domestic deposits to total assets | 79.0095% | 5,958 |
| Equity capital to assets | 16.4285% | 499 |
| Core capital (leverage) ratio | 15.1845% | 565 |
| Tier 1 risk-based capital ratio | 30.1711% | 520 |
| Total risk-based capital ratio | 31.4238% | 516 |
| Memoranda: | ||
| Average total assets | $260,158,500 | 2,490 |
| Average earning assets | $238,501,500 | 2,487 |
| Average equity | $42,038,500 | 1,699 |
| Average total loans | $118,756,500 | 3,110 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2317% | 4,470 |
| Cost of funding earning assets | 0.8240% | 2,475 |
| Net interest margin | 3.4078% | 4,856 |
| Noninterest income to average assets | 0.4071% | 4,548 |
| Noninterest expense to average assets | 1.3236% | 6,943 |
| Loan and lease loss provision to assets | 0.0239% | 5,596 |
| Net operating income to assets | 2.1536% | 277 |
| Return on assets (ROA) | 2.1891% | 284 |
| Pretax return on assets | 2.2122% | 401 |
| Return on Equity (ROE) | 13.4647% | 1,110 |
| Retained earnings to average equity (ytd only) | 2.9546% | 4,146 |
| Net charge-offs to loans | 0.0043% | 5,917 |
| Credit loss provision to net charge-offs | 1,200.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 1,104.8000% | 27 |
| Efficiency ratio | 37.5608% | 6,979 |
| Assets per employee ($millions) | 11.9544% | 152 |
| Cash dividends to net income (ytd only)* | 78.0568% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 3,622 |
| Loan loss allowance to noncurrent loans | 666.7883% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 6,324 |
| Noncurrent loans to loans | 0.2293% | 5,906 |
| Net loans and leases to total assets | 44.7372% | 5,754 |
| Net loans and leases to deposits | 56.4630% | 5,398 |
| Net loans and leases to core deposits | 58.8532% | 5,468 |
| Total domestic deposits to total assets | 79.2328% | 5,842 |
| Equity capital to assets | 15.8949% | 575 |
| Core capital (leverage) ratio | 14.6818% | 631 |
| Tier 1 risk-based capital ratio | 28.7416% | 575 |
| Total risk-based capital ratio | 29.9927% | 564 |
| Memoranda: | ||
| Average total assets | $251,064,000 | 2,520 |
| Average earning assets | $229,622,400 | 2,516 |
| Average equity | $40,817,800 | 1,709 |
| Average total loans | $116,552,000 | 3,150 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 4,358 |
| Cost of funding earning assets | 0.8496% | 2,542 |
| Net interest margin | 3.4725% | 4,746 |
| Noninterest income to average assets | 0.3703% | 4,868 |
| Noninterest expense to average assets | 1.2479% | 7,065 |
| Loan and lease loss provision to assets | 0.0242% | 5,486 |
| Net operating income to assets | 2.2401% | 264 |
| Return on assets (ROA) | 2.2922% | 263 |
| Pretax return on assets | 2.3185% | 393 |
| Return on Equity (ROE) | 14.0160% | 1,111 |
| Retained earnings to average equity (ytd only) | -0.0822% | 6,095 |
| Net charge-offs to loans | 0.0046% | 5,698 |
| Credit loss provision to net charge-offs | 1,125.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 1,065.8893% | 38 |
| Efficiency ratio | 35.2727% | 7,079 |
| Assets per employee ($millions) | 11.6464% | 160 |
| Cash dividends to net income (ytd only)* | 100.5863% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 3,799 |
| Loan loss allowance to noncurrent loans | 731.0484% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 6,492 |
| Noncurrent loans to loans | 0.2098% | 6,081 |
| Net loans and leases to total assets | 45.4239% | 5,826 |
| Net loans and leases to deposits | 57.6754% | 5,462 |
| Net loans and leases to core deposits | 60.6722% | 5,487 |
| Total domestic deposits to total assets | 78.7577% | 5,926 |
| Equity capital to assets | 16.1537% | 575 |
| Core capital (leverage) ratio | 14.6700% | 675 |
| Tier 1 risk-based capital ratio | 29.6307% | 549 |
| Total risk-based capital ratio | 30.8831% | 543 |
| Memoranda: | ||
| Average total assets | $248,081,000 | 2,573 |
| Average earning assets | $226,307,750 | 2,571 |
| Average equity | $40,571,500 | 1,738 |
| Average total loans | $115,819,000 | 3,206 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 4,259 |
| Cost of funding earning assets | 0.8748% | 2,606 |
| Net interest margin | 3.5055% | 4,644 |
| Noninterest income to average assets | 0.3317% | 5,174 |
| Noninterest expense to average assets | 1.2626% | 7,123 |
| Loan and lease loss provision to assets | 0.0245% | 5,361 |
| Net operating income to assets | 2.1835% | 288 |
| Return on assets (ROA) | 2.2521% | 298 |
| Pretax return on assets | 2.2855% | 426 |
| Return on Equity (ROE) | 13.7125% | 1,185 |
| Retained earnings to average equity (ytd only) | -1.6923% | 6,318 |
| Net charge-offs to loans | 0.0017% | 5,494 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 2,749.0000% | 5 |
| Efficiency ratio | 36.0400% | 7,122 |
| Assets per employee ($millions) | 11.4233% | 163 |
| Cash dividends to net income (ytd only)* | 112.3417% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 3,790 |
| Loan loss allowance to noncurrent loans | 726.2097% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 6,553 |
| Noncurrent loans to loans | 0.2133% | 6,156 |
| Net loans and leases to total assets | 45.5551% | 5,859 |
| Net loans and leases to deposits | 58.1354% | 5,432 |
| Net loans and leases to core deposits | 61.3113% | 5,456 |
| Total domestic deposits to total assets | 78.3605% | 6,089 |
| Equity capital to assets | 16.1185% | 556 |
| Core capital (leverage) ratio | 14.7010% | 652 |
| Tier 1 risk-based capital ratio | 29.0417% | 568 |
| Total risk-based capital ratio | 30.2942% | 553 |
| Memoranda: | ||
| Average total assets | $245,368,000 | 2,597 |
| Average earning assets | $221,996,330 | 2,621 |
| Average equity | $40,299,000 | 1,733 |
| Average total loans | $115,026,000 | 3,236 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 4,011 |
| Cost of funding earning assets | 0.9027% | 2,665 |
| Net interest margin | 3.5754% | 4,373 |
| Noninterest income to average assets | 0.3234% | 5,284 |
| Noninterest expense to average assets | 1.2030% | 7,210 |
| Loan and lease loss provision to assets | 0.0248% | 5,038 |
| Net operating income to assets | 2.2354% | 272 |
| Return on assets (ROA) | 2.3680% | 267 |
| Pretax return on assets | 2.4076% | 384 |
| Return on Equity (ROE) | 14.2806% | 1,130 |
| Retained earnings to average equity (ytd only) | 3.9806% | 4,194 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3706% | 7,201 |
| Assets per employee ($millions) | 11.2944% | 172 |
| Cash dividends to net income (ytd only)* | 72.1254% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 3,803 |
| Loan loss allowance to noncurrent loans | 589.7690% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 6,585 |
| Noncurrent loans to loans | 0.2679% | 6,148 |
| Net loans and leases to total assets | 44.7977% | 5,916 |
| Net loans and leases to deposits | 57.5503% | 5,431 |
| Net loans and leases to core deposits | 59.2842% | 5,598 |
| Total domestic deposits to total assets | 77.8410% | 6,285 |
| Equity capital to assets | 16.3178% | 526 |
| Core capital (leverage) ratio | 15.6218% | 514 |
| Tier 1 risk-based capital ratio | 31.1220% | 485 |
| Total risk-based capital ratio | 32.3749% | 474 |
| Memoranda: | ||
| Average total assets | $242,395,500 | 2,640 |
| Average earning assets | $215,360,500 | 2,700 |
| Average equity | $40,194,500 | 1,728 |
| Average total loans | $114,395,500 | 3,268 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8837% | 3,435 |
| Cost of funding earning assets | 0.9562% | 3,680 |
| Net interest margin | 3.9275% | 3,216 |
| Noninterest income to average assets | 0.2786% | 5,536 |
| Noninterest expense to average assets | 1.3298% | 7,233 |
| Loan and lease loss provision to assets | 0.0265% | 6,241 |
| Net operating income to assets | 2.2573% | 204 |
| Return on assets (ROA) | 2.3068% | 196 |
| Pretax return on assets | 2.4443% | 227 |
| Return on Equity (ROE) | 13.8724% | 965 |
| Retained earnings to average equity (ytd only) | 6.5399% | 1,725 |
| Net charge-offs to loans | 0.0043% | 6,383 |
| Credit loss provision to net charge-offs | 1,200.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 1,093.6000% | 21 |
| Efficiency ratio | 35.4808% | 7,259 |
| Assets per employee ($millions) | 10.7415% | 192 |
| Cash dividends to net income (ytd only)* | 52.8566% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 3,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 48.2070% | 5,800 |
| Net loans and leases to deposits | 62.9333% | 5,127 |
| Net loans and leases to core deposits | 64.8699% | 5,375 |
| Total domestic deposits to total assets | 76.6002% | 6,392 |
| Equity capital to assets | 16.8602% | 464 |
| Core capital (leverage) ratio | 15.7940% | 486 |
| Tier 1 risk-based capital ratio | 30.5717% | 492 |
| Total risk-based capital ratio | 31.8241% | 480 |
| Memoranda: | ||
| Average total assets | $226,118,400 | 2,773 |
| Average earning assets | $199,747,000 | 2,859 |
| Average equity | $37,599,800 | 1,787 |
| Average total loans | $117,605,400 | 3,224 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9519% | 3,318 |
| Cost of funding earning assets | 0.9792% | 3,824 |
| Net interest margin | 3.9727% | 3,032 |
| Noninterest income to average assets | 0.2600% | 5,759 |
| Noninterest expense to average assets | 1.2786% | 7,322 |
| Loan and lease loss provision to assets | 0.0268% | 6,107 |
| Net operating income to assets | 2.2780% | 218 |
| Return on assets (ROA) | 2.3324% | 214 |
| Pretax return on assets | 2.4940% | 256 |
| Return on Equity (ROE) | 14.0785% | 1,028 |
| Retained earnings to average equity (ytd only) | 4.1541% | 3,774 |
| Net charge-offs to loans | 0.0068% | 6,071 |
| Credit loss provision to net charge-offs | 750.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 688.3163% | 51 |
| Efficiency ratio | 34.1728% | 7,330 |
| Assets per employee ($millions) | 10.4757% | 217 |
| Cash dividends to net income (ytd only)* | 70.4935% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 4,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 49.6926% | 5,745 |
| Net loans and leases to deposits | 65.2592% | 5,020 |
| Net loans and leases to core deposits | 67.4583% | 5,246 |
| Total domestic deposits to total assets | 76.1465% | 6,514 |
| Equity capital to assets | 16.8629% | 499 |
| Core capital (leverage) ratio | 15.7728% | 535 |
| Tier 1 risk-based capital ratio | 29.4124% | 579 |
| Total risk-based capital ratio | 30.6648% | 563 |
| Memoranda: | ||
| Average total assets | $223,569,500 | 2,809 |
| Average earning assets | $195,934,750 | 2,917 |
| Average equity | $37,039,000 | 1,823 |
| Average total loans | $118,083,750 | 3,243 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9724% | 3,299 |
| Cost of funding earning assets | 1.0088% | 3,896 |
| Net interest margin | 3.9636% | 3,019 |
| Noninterest income to average assets | 0.2449% | 5,894 |
| Noninterest expense to average assets | 1.3052% | 7,390 |
| Loan and lease loss provision to assets | 0.0271% | 5,965 |
| Net operating income to assets | 2.2106% | 261 |
| Return on assets (ROA) | 2.2787% | 242 |
| Pretax return on assets | 2.4414% | 272 |
| Return on Equity (ROE) | 13.8399% | 1,008 |
| Retained earnings to average equity (ytd only) | 4.2491% | 3,494 |
| Net charge-offs to loans | 0.0101% | 5,712 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 441.6667% | 73 |
| Efficiency ratio | 35.2711% | 7,400 |
| Assets per employee ($millions) | 10.1482% | 234 |
| Cash dividends to net income (ytd only)* | 69.2979% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 4,273 |
| Loan loss allowance to noncurrent loans | 6,003.4483% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 7,084 |
| Noncurrent loans to loans | 0.0244% | 6,932 |
| Net loans and leases to total assets | 52.3894% | 5,517 |
| Net loans and leases to deposits | 69.2847% | 4,525 |
| Net loans and leases to core deposits | 71.8891% | 4,835 |
| Total domestic deposits to total assets | 75.6146% | 6,655 |
| Equity capital to assets | 16.7607% | 510 |
| Core capital (leverage) ratio | 16.0368% | 503 |
| Tier 1 risk-based capital ratio | 29.5760% | 560 |
| Total risk-based capital ratio | 30.8288% | 541 |
| Memoranda: | ||
| Average total assets | $221,271,000 | 2,846 |
| Average earning assets | $192,903,670 | 2,956 |
| Average equity | $36,431,000 | 1,836 |
| Average total loans | $118,685,000 | 3,253 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9330% | 3,398 |
| Cost of funding earning assets | 1.0256% | 4,024 |
| Net interest margin | 3.9073% | 3,104 |
| Noninterest income to average assets | 0.2215% | 6,147 |
| Noninterest expense to average assets | 1.3020% | 7,459 |
| Loan and lease loss provision to assets | 0.0272% | 5,623 |
| Net operating income to assets | 2.1465% | 284 |
| Return on assets (ROA) | 2.1482% | 291 |
| Pretax return on assets | 2.3116% | 337 |
| Return on Equity (ROE) | 13.1677% | 1,154 |
| Retained earnings to average equity (ytd only) | 13.1677% | 563 |
| Net charge-offs to loans | 0.0202% | 4,792 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 214.5000% | 144 |
| Efficiency ratio | 35.7784% | 7,450 |
| Assets per employee ($millions) | 10.0206% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 4,400 |
| Loan loss allowance to noncurrent loans | 5,951.7241% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 7,160 |
| Noncurrent loans to loans | 0.0245% | 7,003 |
| Net loans and leases to total assets | 52.8945% | 5,468 |
| Net loans and leases to deposits | 70.4044% | 4,286 |
| Net loans and leases to core deposits | 73.6757% | 4,567 |
| Total domestic deposits to total assets | 75.1295% | 6,772 |
| Equity capital to assets | 16.7237% | 474 |
| Core capital (leverage) ratio | 16.5067% | 438 |
| Tier 1 risk-based capital ratio | 29.6434% | 537 |
| Total risk-based capital ratio | 30.8955% | 528 |
| Memoranda: | ||
| Average total assets | $220,276,000 | 2,880 |
| Average earning assets | $192,663,000 | 2,976 |
| Average equity | $35,936,500 | 1,842 |
| Average total loans | $118,674,500 | 3,282 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1434% | 3,892 |
| Cost of funding earning assets | 1.2090% | 4,507 |
| Net interest margin | 3.9344% | 3,323 |
| Noninterest income to average assets | 0.2386% | 6,089 |
| Noninterest expense to average assets | 1.8254% | 7,238 |
| Loan and lease loss provision to assets | 0.0290% | 6,837 |
| Net operating income to assets | 1.5929% | 627 |
| Return on assets (ROA) | 1.6168% | 649 |
| Pretax return on assets | 1.9312% | 570 |
| Return on Equity (ROE) | 9.4651% | 2,125 |
| Retained earnings to average equity (ytd only) | 1.2807% | 4,909 |
| Net charge-offs to loans | 0.0017% | 6,838 |
| Credit loss provision to net charge-offs | 3,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 2,000.0000% | 6 |
| Efficiency ratio | 48.5861% | 7,229 |
| Assets per employee ($millions) | 10.0045% | 249 |
| Cash dividends to net income (ytd only)* | 86.4695% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 4,322 |
| Loan loss allowance to noncurrent loans | 5,050.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 7,210 |
| Noncurrent loans to loans | 0.0286% | 7,064 |
| Net loans and leases to total assets | 53.2935% | 5,739 |
| Net loans and leases to deposits | 70.7335% | 4,718 |
| Net loans and leases to core deposits | 74.3880% | 4,932 |
| Total domestic deposits to total assets | 75.3442% | 6,719 |
| Equity capital to assets | 15.9043% | 600 |
| Core capital (leverage) ratio | 15.8541% | 525 |
| Tier 1 risk-based capital ratio | 28.0317% | 608 |
| Total risk-based capital ratio | 29.2832% | 589 |
| Memoranda: | ||
| Average total assets | $207,076,000 | 3,014 |
| Average earning assets | $185,187,400 | 3,059 |
| Average equity | $35,372,000 | 1,874 |
| Average total loans | $115,305,600 | 3,418 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1869% | 3,901 |
| Cost of funding earning assets | 1.2557% | 4,538 |
| Net interest margin | 3.9312% | 3,400 |
| Noninterest income to average assets | 0.2237% | 6,304 |
| Noninterest expense to average assets | 1.6282% | 7,488 |
| Loan and lease loss provision to assets | 0.0294% | 6,775 |
| Net operating income to assets | 1.6523% | 672 |
| Return on assets (ROA) | 1.6635% | 718 |
| Pretax return on assets | 2.1214% | 480 |
| Return on Equity (ROE) | 9.5607% | 2,297 |
| Retained earnings to average equity (ytd only) | 2.4738% | 4,692 |
| Net charge-offs to loans | 0.0012% | 6,664 |
| Credit loss provision to net charge-offs | 4,500.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 3,274.1053% | 4 |
| Efficiency ratio | 43.2493% | 7,489 |
| Assets per employee ($millions) | 9.5721% | 293 |
| Cash dividends to net income (ytd only)* | 74.1251% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 4,174 |
| Loan loss allowance to noncurrent loans | 4,865.7143% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 7,323 |
| Noncurrent loans to loans | 0.0299% | 7,179 |
| Net loans and leases to total assets | 54.7088% | 5,743 |
| Net loans and leases to deposits | 73.6452% | 4,575 |
| Net loans and leases to core deposits | 77.5301% | 4,859 |
| Total domestic deposits to total assets | 74.2870% | 6,887 |
| Equity capital to assets | 17.2756% | 490 |
| Core capital (leverage) ratio | 16.7256% | 459 |
| Tier 1 risk-based capital ratio | 28.9140% | 570 |
| Total risk-based capital ratio | 30.1664% | 557 |
| Memoranda: | ||
| Average total assets | $203,820,500 | 3,094 |
| Average earning assets | $183,584,500 | 3,129 |
| Average equity | $35,463,750 | 1,886 |
| Average total loans | $114,378,250 | 3,494 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1828% | 4,037 |
| Cost of funding earning assets | 1.3053% | 4,503 |
| Net interest margin | 3.8775% | 3,550 |
| Noninterest income to average assets | 0.2262% | 6,296 |
| Noninterest expense to average assets | 1.6818% | 7,512 |
| Loan and lease loss provision to assets | 0.0298% | 6,649 |
| Net operating income to assets | 1.6128% | 710 |
| Return on assets (ROA) | 1.6263% | 736 |
| Pretax return on assets | 2.0301% | 569 |
| Return on Equity (ROE) | 9.3235% | 2,340 |
| Retained earnings to average equity (ytd only) | 4.1868% | 3,405 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1518% | 7,475 |
| Assets per employee ($millions) | 9.2763% | 313 |
| Cash dividends to net income (ytd only)* | 55.0946% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 4,170 |
| Loan loss allowance to noncurrent loans | 5,448.3871% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 7,373 |
| Noncurrent loans to loans | 0.0266% | 7,256 |
| Net loans and leases to total assets | 56.1792% | 5,679 |
| Net loans and leases to deposits | 76.5988% | 4,220 |
| Net loans and leases to core deposits | 80.6923% | 4,598 |
| Total domestic deposits to total assets | 73.3422% | 7,058 |
| Equity capital to assets | 17.6329% | 453 |
| Core capital (leverage) ratio | 17.0237% | 438 |
| Tier 1 risk-based capital ratio | 29.6459% | 530 |
| Total risk-based capital ratio | 30.8981% | 513 |
| Memoranda: | ||
| Average total assets | $201,565,330 | 3,144 |
| Average earning assets | $181,871,670 | 3,175 |
| Average equity | $35,158,330 | 1,899 |
| Average total loans | $113,533,670 | 3,548 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 3,793 |
| Cost of funding earning assets | 1.3567% | 4,440 |
| Net interest margin | 3.8912% | 3,370 |
| Noninterest income to average assets | 0.2137% | 6,437 |
| Noninterest expense to average assets | 1.7473% | 7,525 |
| Loan and lease loss provision to assets | 0.0300% | 6,377 |
| Net operating income to assets | 1.5590% | 808 |
| Return on assets (ROA) | 1.6075% | 791 |
| Pretax return on assets | 1.9730% | 640 |
| Return on Equity (ROE) | 9.2675% | 2,395 |
| Retained earnings to average equity (ytd only) | -1.1282% | 6,067 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3485% | 7,482 |
| Assets per employee ($millions) | 8.8135% | 374 |
| Cash dividends to net income (ytd only)* | 112.1739% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 3,963 |
| Loan loss allowance to noncurrent loans | 167,400.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 7,513 |
| Noncurrent loans to loans | 0.0009% | 7,425 |
| Net loans and leases to total assets | 54.6399% | 5,935 |
| Net loans and leases to deposits | 74.5956% | 4,657 |
| Net loans and leases to core deposits | 77.5425% | 5,080 |
| Total domestic deposits to total assets | 73.2481% | 7,135 |
| Equity capital to assets | 17.1609% | 513 |
| Core capital (leverage) ratio | 17.2936% | 429 |
| Tier 1 risk-based capital ratio | 29.4461% | 556 |
| Total risk-based capital ratio | 30.6987% | 538 |
| Memoranda: | ||
| Average total assets | $200,308,500 | 3,211 |
| Average earning assets | $178,966,500 | 3,266 |
| Average equity | $34,745,000 | 1,939 |
| Average total loans | $112,131,000 | 3,640 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5347% | 3,959 |
| Cost of funding earning assets | 1.5199% | 5,441 |
| Net interest margin | 4.0148% | 2,811 |
| Noninterest income to average assets | 0.2303% | 6,464 |
| Noninterest expense to average assets | 1.6241% | 7,755 |
| Loan and lease loss provision to assets | 0.0317% | 7,213 |
| Net operating income to assets | 1.5572% | 603 |
| Return on assets (ROA) | 1.5956% | 590 |
| Pretax return on assets | 2.2188% | 265 |
| Return on Equity (ROE) | 8.9436% | 2,046 |
| Retained earnings to average equity (ytd only) | 3.6207% | 2,649 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5017% | 7,810 |
| Assets per employee ($millions) | 8.6046% | 397 |
| Cash dividends to net income (ytd only)* | 59.5167% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 3,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 55.6668% | 6,002 |
| Net loans and leases to deposits | 77.0309% | 4,555 |
| Net loans and leases to core deposits | 87.5294% | 5,378 |
| Total domestic deposits to total assets | 72.2656% | 7,219 |
| Equity capital to assets | 17.5351% | 498 |
| Core capital (leverage) ratio | 17.1381% | 478 |
| Tier 1 risk-based capital ratio | 29.6249% | 546 |
| Total risk-based capital ratio | 30.8771% | 530 |
| Memoranda: | ||
| Average total assets | $189,336,400 | 3,294 |
| Average earning assets | $169,349,200 | 3,362 |
| Average equity | $33,778,400 | 1,983 |
| Average total loans | $104,246,000 | 3,828 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5999% | 3,864 |
| Cost of funding earning assets | 1.5464% | 5,651 |
| Net interest margin | 4.0535% | 2,579 |
| Noninterest income to average assets | 0.2329% | 6,559 |
| Noninterest expense to average assets | 1.6952% | 7,769 |
| Loan and lease loss provision to assets | 0.0321% | 7,035 |
| Net operating income to assets | 1.5447% | 738 |
| Return on assets (ROA) | 1.5905% | 728 |
| Pretax return on assets | 2.1774% | 371 |
| Return on Equity (ROE) | 8.8748% | 2,311 |
| Retained earnings to average equity (ytd only) | 1.7289% | 4,345 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1231% | 7,835 |
| Assets per employee ($millions) | 8.5277% | 426 |
| Cash dividends to net income (ytd only)* | 80.5193% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 3,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 54.0273% | 6,380 |
| Net loans and leases to deposits | 75.5359% | 5,121 |
| Net loans and leases to core deposits | 86.4148% | 5,827 |
| Total domestic deposits to total assets | 71.5254% | 7,277 |
| Equity capital to assets | 17.6571% | 545 |
| Core capital (leverage) ratio | 17.1796% | 528 |
| Tier 1 risk-based capital ratio | 29.5816% | 596 |
| Total risk-based capital ratio | 30.8341% | 586 |
| Memoranda: | ||
| Average total assets | $187,194,000 | 3,351 |
| Average earning assets | $166,665,500 | 3,433 |
| Average equity | $33,547,250 | 2,021 |
| Average total loans | $102,350,750 | 3,930 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6636% | 3,747 |
| Cost of funding earning assets | 1.5524% | 5,915 |
| Net interest margin | 4.1112% | 2,281 |
| Noninterest income to average assets | 0.2323% | 6,618 |
| Noninterest expense to average assets | 1.7024% | 7,830 |
| Loan and lease loss provision to assets | 0.0326% | 6,911 |
| Net operating income to assets | 1.5948% | 687 |
| Return on assets (ROA) | 1.6470% | 686 |
| Pretax return on assets | 2.2224% | 343 |
| Return on Equity (ROE) | 9.1425% | 2,308 |
| Retained earnings to average equity (ytd only) | 3.7908% | 3,189 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7989% | 7,932 |
| Assets per employee ($millions) | 8.3147% | 434 |
| Cash dividends to net income (ytd only)* | 58.5366% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 2,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 52.9719% | 6,570 |
| Net loans and leases to deposits | 73.0396% | 5,602 |
| Net loans and leases to core deposits | 83.4154% | 6,131 |
| Total domestic deposits to total assets | 72.5250% | 7,180 |
| Equity capital to assets | 17.5236% | 603 |
| Core capital (leverage) ratio | 17.6115% | 550 |
| Tier 1 risk-based capital ratio | 30.4863% | 575 |
| Total risk-based capital ratio | 31.7385% | 557 |
| Memoranda: | ||
| Average total assets | $184,213,330 | 3,419 |
| Average earning assets | $163,747,330 | 3,491 |
| Average equity | $33,185,670 | 2,048 |
| Average total loans | $100,597,330 | 3,997 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7597% | 3,483 |
| Cost of funding earning assets | 1.5353% | 6,290 |
| Net interest margin | 4.2245% | 1,821 |
| Noninterest income to average assets | 0.2280% | 6,636 |
| Noninterest expense to average assets | 1.6890% | 7,834 |
| Loan and lease loss provision to assets | 0.0332% | 6,524 |
| Net operating income to assets | 1.7813% | 550 |
| Return on assets (ROA) | 1.8417% | 546 |
| Pretax return on assets | 2.3597% | 327 |
| Return on Equity (ROE) | 10.0780% | 2,286 |
| Retained earnings to average equity (ytd only) | -0.6783% | 5,808 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1780% | 7,994 |
| Assets per employee ($millions) | 7.9532% | 516 |
| Cash dividends to net income (ytd only)* | 106.7308% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 2,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 53.8691% | 6,478 |
| Net loans and leases to deposits | 73.9832% | 5,481 |
| Net loans and leases to core deposits | 83.8601% | 6,066 |
| Total domestic deposits to total assets | 72.8126% | 7,081 |
| Equity capital to assets | 18.0836% | 600 |
| Core capital (leverage) ratio | 18.0913% | 547 |
| Tier 1 risk-based capital ratio | 30.9460% | 582 |
| Total risk-based capital ratio | 32.1992% | 568 |
| Memoranda: | ||
| Average total assets | $180,700,500 | 3,497 |
| Average earning assets | $161,535,000 | 3,548 |
| Average equity | $33,022,500 | 2,052 |
| Average total loans | $99,430,000 | 4,051 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9625% | 5,741 |
| Cost of funding earning assets | 1.9020% | 6,719 |
| Net interest margin | 4.0605% | 2,871 |
| Noninterest income to average assets | 0.2405% | 6,725 |
| Noninterest expense to average assets | 1.7177% | 7,847 |
| Loan and lease loss provision to assets | 0.0351% | 6,967 |
| Net operating income to assets | 1.6603% | 731 |
| Return on assets (ROA) | 1.6633% | 695 |
| Pretax return on assets | 2.2074% | 391 |
| Return on Equity (ROE) | 9.0098% | 2,640 |
| Retained earnings to average equity (ytd only) | 3.9994% | 2,645 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4191% | 8,029 |
| Assets per employee ($millions) | 7.7599% | 500 |
| Cash dividends to net income (ytd only)* | 55.6103% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6199% | 2,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 54.4089% | 6,611 |
| Net loans and leases to deposits | 74.4003% | 5,795 |
| Net loans and leases to core deposits | 83.1967% | 6,365 |
| Total domestic deposits to total assets | 73.1300% | 6,807 |
| Equity capital to assets | 18.4706% | 602 |
| Core capital (leverage) ratio | 18.8403% | 526 |
| Tier 1 risk-based capital ratio | 31.0547% | 585 |
| Total risk-based capital ratio | 32.3083% | 577 |
| Memoranda: | ||
| Average total assets | $170,922,200 | 3,542 |
| Average earning assets | $156,411,200 | 3,545 |
| Average equity | $31,554,600 | 2,143 |
| Average total loans | $94,075,800 | 4,104 |