Home > The Stock Exchange Bank > Performance and Condition Ratios
The Stock Exchange 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 | 4.6389% | 2,805 |
| Cost of funding earning assets | 0.9838% | 3,329 |
| Net interest margin | 3.6551% | 1,846 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 1.9835% | 3,670 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.4542% | 1,114 |
| Return on assets (ROA) | 1.4542% | 1,080 |
| Pretax return on assets | 1.8510% | 822 |
| Return on Equity (ROE) | 10.9200% | 2,251 |
| Retained earnings to average equity (ytd only) | 8.0083% | 1,537 |
| Net charge-offs to loans | 0.2025% | 527 |
| Credit loss provision to net charge-offs | 162.6016% | 1,392 |
| Earnings coverage of net charge-offs (x) | 24.9106% | 1,743 |
| Efficiency ratio | 50.0408% | 3,979 |
| Assets per employee ($millions) | 7.4466% | 1,769 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2062% | 277 |
| Loan loss allowance to noncurrent loans | 753.9130% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 2,742 |
| Noncurrent loans to loans | 0.2926% | 2,128 |
| Net loans and leases to total assets | 39.7000% | 4,047 |
| Net loans and leases to deposits | 47.3751% | 4,011 |
| Net loans and leases to core deposits | 53.8171% | 3,980 |
| Total domestic deposits to total assets | 83.8000% | 2,673 |
| Equity capital to assets | 14.9488% | 556 |
| Core capital (leverage) ratio | 17.1512% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $309,452,800 | 2,383 |
| Average earning assets | $285,108,000 | 2,382 |
| Average equity | $41,207,000 | 1,840 |
| Average total loans | $121,495,600 | 2,939 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 2,646 |
| Cost of funding earning assets | 0.8931% | 3,287 |
| Net interest margin | 3.7208% | 1,735 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 1.8369% | 3,910 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.6218% | 903 |
| Return on assets (ROA) | 1.6218% | 892 |
| Pretax return on assets | 2.1204% | 629 |
| Return on Equity (ROE) | 12.5300% | 1,996 |
| Retained earnings to average equity (ytd only) | 12.5344% | 883 |
| Net charge-offs to loans | 0.0545% | 1,126 |
| Credit loss provision to net charge-offs | 400.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 103.9400% | 901 |
| Efficiency ratio | 45.4440% | 4,162 |
| Assets per employee ($millions) | 7.8831% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 292 |
| Loan loss allowance to noncurrent loans | 761.5836% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 2,788 |
| Noncurrent loans to loans | 0.2890% | 2,200 |
| Net loans and leases to total assets | 39.5600% | 4,074 |
| Net loans and leases to deposits | 46.5615% | 4,036 |
| Net loans and leases to core deposits | 49.7229% | 4,049 |
| Total domestic deposits to total assets | 84.9600% | 2,511 |
| Equity capital to assets | 14.2135% | 615 |
| Core capital (leverage) ratio | 16.7066% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $314,211,750 | 2,351 |
| Average earning assets | $289,928,000 | 2,364 |
| Average equity | $40,655,250 | 1,844 |
| Average total loans | $122,395,750 | 2,925 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5695% | 2,483 |
| Cost of funding earning assets | 0.7971% | 3,211 |
| Net interest margin | 3.7724% | 1,677 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 1.8040% | 3,989 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.7070% | 767 |
| Return on assets (ROA) | 1.7070% | 770 |
| Pretax return on assets | 2.2510% | 500 |
| Return on Equity (ROE) | 13.6000% | 1,771 |
| Retained earnings to average equity (ytd only) | 13.5981% | 732 |
| Net charge-offs to loans | 0.0274% | 1,339 |
| Credit loss provision to net charge-offs | 588.2353% | 583 |
| Earnings coverage of net charge-offs (x) | 218.8824% | 560 |
| Efficiency ratio | 43.8170% | 4,259 |
| Assets per employee ($millions) | 8.1396% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1306% | 344 |
| Loan loss allowance to noncurrent loans | 615.5718% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 2,621 |
| Noncurrent loans to loans | 0.3461% | 1,893 |
| Net loans and leases to total assets | 37.5700% | 4,132 |
| Net loans and leases to deposits | 43.7247% | 4,112 |
| Net loans and leases to core deposits | 46.3962% | 4,117 |
| Total domestic deposits to total assets | 85.9300% | 2,250 |
| Equity capital to assets | 13.3324% | 741 |
| Core capital (leverage) ratio | 15.6623% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $321,724,667 | 2,315 |
| Average earning assets | $297,316,667 | 2,329 |
| Average equity | $40,388,000 | 1,864 |
| Average total loans | $123,867,000 | 2,907 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 2,178 |
| Cost of funding earning assets | 0.7077% | 3,032 |
| Net interest margin | 3.8473% | 1,584 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 1.8614% | 3,930 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9004% | 570 |
| Return on assets (ROA) | 1.9004% | 566 |
| Pretax return on assets | 2.2663% | 518 |
| Return on Equity (ROE) | 15.5900% | 1,444 |
| Retained earnings to average equity (ytd only) | 15.5944% | 732 |
| Net charge-offs to loans | -0.0316% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.0946% | 4,262 |
| Assets per employee ($millions) | 8.4629% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 484 |
| Loan loss allowance to noncurrent loans | 1,266.4948% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 3,198 |
| Noncurrent loans to loans | 0.1541% | 2,719 |
| Net loans and leases to total assets | 37.3900% | 4,142 |
| Net loans and leases to deposits | 43.0911% | 4,127 |
| Net loans and leases to core deposits | 45.1549% | 4,140 |
| Total domestic deposits to total assets | 86.7800% | 2,346 |
| Equity capital to assets | 12.5268% | 864 |
| Core capital (leverage) ratio | 14.4362% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $327,934,000 | 2,324 |
| Average earning assets | $304,629,500 | 2,321 |
| Average equity | $39,963,000 | 1,903 |
| Average total loans | $126,427,500 | 2,914 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2272% | 3,761 |
| Cost of funding earning assets | 0.2287% | 3,526 |
| Net interest margin | 2.9984% | 3,457 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 1.8164% | 4,004 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.0833% | 2,245 |
| Return on assets (ROA) | 1.0833% | 2,187 |
| Pretax return on assets | 1.3654% | 1,879 |
| Return on Equity (ROE) | 8.6800% | 3,205 |
| Retained earnings to average equity (ytd only) | 6.1924% | 2,573 |
| Net charge-offs to loans | 0.1098% | 683 |
| Credit loss provision to net charge-offs | 296.2963% | 919 |
| Earnings coverage of net charge-offs (x) | 35.5185% | 1,574 |
| Efficiency ratio | 54.9427% | 3,690 |
| Assets per employee ($millions) | 8.3542% | 1,165 |
| Cash dividends to net income (ytd only)* | 28.6779% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9270% | 496 |
| Loan loss allowance to noncurrent loans | 1,812.5926% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 3,162 |
| Noncurrent loans to loans | 0.1063% | 3,002 |
| Net loans and leases to total assets | 38.2200% | 4,134 |
| Net loans and leases to deposits | 43.8143% | 4,121 |
| Net loans and leases to core deposits | 46.1571% | 4,116 |
| Total domestic deposits to total assets | 87.2400% | 2,308 |
| Equity capital to assets | 11.8414% | 976 |
| Core capital (leverage) ratio | 14.4978% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $321,893,000 | 2,342 |
| Average earning assets | $299,489,000 | 2,337 |
| Average equity | $40,162,400 | 1,913 |
| Average total loans | $122,949,200 | 2,891 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0533% | 3,786 |
| Cost of funding earning assets | 0.1887% | 3,409 |
| Net interest margin | 2.8646% | 3,583 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 1.6922% | 4,163 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1583% | 1,863 |
| Return on assets (ROA) | 1.1583% | 1,838 |
| Pretax return on assets | 1.4512% | 1,550 |
| Return on Equity (ROE) | 9.1700% | 2,981 |
| Retained earnings to average equity (ytd only) | 9.1653% | 1,593 |
| Net charge-offs to loans | 0.0711% | 796 |
| Credit loss provision to net charge-offs | 153.8462% | 1,116 |
| Earnings coverage of net charge-offs (x) | 55.2769% | 1,230 |
| Efficiency ratio | 53.1307% | 3,905 |
| Assets per employee ($millions) | 8.3418% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7336% | 827 |
| Loan loss allowance to noncurrent loans | 1,081.4634% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 3,066 |
| Noncurrent loans to loans | 0.1603% | 2,803 |
| Net loans and leases to total assets | 38.6300% | 4,120 |
| Net loans and leases to deposits | 44.0792% | 4,105 |
| Net loans and leases to core deposits | 46.5010% | 4,080 |
| Total domestic deposits to total assets | 87.6300% | 2,543 |
| Equity capital to assets | 11.6939% | 941 |
| Core capital (leverage) ratio | 14.3494% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $320,912,500 | 2,363 |
| Average earning assets | $298,902,250 | 2,364 |
| Average equity | $40,557,750 | 1,926 |
| Average total loans | $121,940,750 | 2,914 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9010% | 3,775 |
| Cost of funding earning assets | 0.1657% | 3,370 |
| Net interest margin | 2.7353% | 3,628 |
| Noninterest income to average assets | 0.5128% | 2,128 |
| Noninterest expense to average assets | 1.7343% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0650% | 1,917 |
| Return on assets (ROA) | 1.0650% | 1,889 |
| Pretax return on assets | 1.3311% | 1,640 |
| Return on Equity (ROE) | 8.2183% | 2,961 |
| Retained earnings to average equity (ytd only) | 8.2183% | 1,542 |
| Net charge-offs to loans | -0.0033% | 3,226 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5768% | 3,718 |
| Assets per employee ($millions) | 9.0819% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6975% | 963 |
| Loan loss allowance to noncurrent loans | 590.2703% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 2,914 |
| Noncurrent loans to loans | 0.2876% | 2,314 |
| Net loans and leases to total assets | 38.6836% | 4,136 |
| Net loans and leases to deposits | 44.2595% | 4,104 |
| Net loans and leases to core deposits | 46.9428% | 4,086 |
| Total domestic deposits to total assets | 87.4017% | 2,796 |
| Equity capital to assets | 11.9575% | 892 |
| Core capital (leverage) ratio | 14.1058% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,439,667 | 2,387 |
| Average earning assets | $298,103,333 | 2,390 |
| Average equity | $41,395,667 | 1,942 |
| Average total loans | $119,959,000 | 2,945 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8155% | 3,721 |
| Cost of funding earning assets | 0.1620% | 3,343 |
| Net interest margin | 2.6535% | 3,516 |
| Noninterest income to average assets | 0.5664% | 1,838 |
| Noninterest expense to average assets | 1.8829% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9212% | 2,199 |
| Return on assets (ROA) | 0.9212% | 2,192 |
| Pretax return on assets | 1.1746% | 1,901 |
| Return on Equity (ROE) | 6.8350% | 3,089 |
| Retained earnings to average equity (ytd only) | 6.8350% | 1,944 |
| Net charge-offs to loans | -0.0830% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5831% | 3,314 |
| Assets per employee ($millions) | 8.2921% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8812% | 768 |
| Loan loss allowance to noncurrent loans | 848.4615% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 3,274 |
| Noncurrent loans to loans | 0.2217% | 2,712 |
| Net loans and leases to total assets | 35.5790% | 4,234 |
| Net loans and leases to deposits | 41.0773% | 4,201 |
| Net loans and leases to core deposits | 43.6614% | 4,178 |
| Total domestic deposits to total assets | 86.6147% | 3,068 |
| Equity capital to assets | 12.7096% | 756 |
| Core capital (leverage) ratio | 14.0410% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,684,500 | 2,418 |
| Average earning assets | $296,362,500 | 2,412 |
| Average equity | $42,546,000 | 1,961 |
| Average total loans | $115,608,500 | 2,991 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1846% | 3,503 |
| Cost of funding earning assets | 0.2004% | 3,457 |
| Net interest margin | 2.9843% | 3,242 |
| Noninterest income to average assets | 0.6422% | 1,981 |
| Noninterest expense to average assets | 1.9609% | 3,793 |
| Loan and lease loss provision to assets | 0.1035% | 1,216 |
| Net operating income to assets | 1.0943% | 2,315 |
| Return on assets (ROA) | 1.0943% | 2,379 |
| Pretax return on assets | 1.3584% | 2,176 |
| Return on Equity (ROE) | 7.2080% | 3,458 |
| Retained earnings to average equity (ytd only) | 4.9349% | 2,806 |
| Net charge-offs to loans | 0.2743% | 325 |
| Credit loss provision to net charge-offs | 92.3077% | 1,863 |
| Earnings coverage of net charge-offs (x) | 13.0338% | 2,091 |
| Efficiency ratio | 57.2898% | 3,548 |
| Assets per employee ($millions) | 8.3237% | 1,159 |
| Cash dividends to net income (ytd only)* | 31.5358% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9149% | 706 |
| Loan loss allowance to noncurrent loans | 886.9919% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 3,389 |
| Noncurrent loans to loans | 0.2159% | 2,882 |
| Net loans and leases to total assets | 36.2915% | 4,272 |
| Net loans and leases to deposits | 42.8309% | 4,234 |
| Net loans and leases to core deposits | 45.6420% | 4,200 |
| Total domestic deposits to total assets | 84.7319% | 3,350 |
| Equity capital to assets | 14.2836% | 614 |
| Core capital (leverage) ratio | 14.8531% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,762,800 | 2,483 |
| Average earning assets | $269,982,800 | 2,486 |
| Average equity | $43,992,600 | 1,952 |
| Average total loans | $118,502,600 | 2,961 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3344% | 3,294 |
| Cost of funding earning assets | 0.2152% | 3,466 |
| Net interest margin | 3.1192% | 3,003 |
| Noninterest income to average assets | 0.6353% | 2,071 |
| Noninterest expense to average assets | 1.9424% | 3,831 |
| Loan and lease loss provision to assets | 0.0936% | 1,276 |
| Net operating income to assets | 1.1252% | 2,459 |
| Return on assets (ROA) | 1.1252% | 2,525 |
| Pretax return on assets | 1.4992% | 1,991 |
| Return on Equity (ROE) | 7.2949% | 3,589 |
| Retained earnings to average equity (ytd only) | 7.2949% | 2,308 |
| Net charge-offs to loans | 0.2530% | 323 |
| Credit loss provision to net charge-offs | 88.1057% | 1,674 |
| Earnings coverage of net charge-offs (x) | 15.0088% | 1,877 |
| Efficiency ratio | 54.9458% | 3,664 |
| Assets per employee ($millions) | 7.5371% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9007% | 769 |
| Loan loss allowance to noncurrent loans | 795.6204% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 3,379 |
| Noncurrent loans to loans | 0.2389% | 2,976 |
| Net loans and leases to total assets | 39.2853% | 4,241 |
| Net loans and leases to deposits | 47.0737% | 4,168 |
| Net loans and leases to core deposits | 50.5222% | 4,109 |
| Total domestic deposits to total assets | 83.4548% | 3,591 |
| Equity capital to assets | 15.7215% | 448 |
| Core capital (leverage) ratio | 14.7799% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,209,500 | 2,526 |
| Average earning assets | $265,145,250 | 2,539 |
| Average equity | $43,993,250 | 1,971 |
| Average total loans | $119,640,500 | 2,996 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3728% | 3,255 |
| Cost of funding earning assets | 0.2270% | 3,497 |
| Net interest margin | 3.1458% | 2,902 |
| Noninterest income to average assets | 0.6236% | 2,114 |
| Noninterest expense to average assets | 1.9690% | 3,788 |
| Loan and lease loss provision to assets | 0.0702% | 1,647 |
| Net operating income to assets | 1.0997% | 2,551 |
| Return on assets (ROA) | 1.0997% | 2,615 |
| Pretax return on assets | 1.5035% | 1,999 |
| Return on Equity (ROE) | 7.1755% | 3,612 |
| Retained earnings to average equity (ytd only) | 7.1755% | 2,364 |
| Net charge-offs to loans | 0.3298% | 262 |
| Credit loss provision to net charge-offs | 50.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 11.2050% | 1,771 |
| Efficiency ratio | 55.5798% | 3,592 |
| Assets per employee ($millions) | 7.4336% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7277% | 1,008 |
| Loan loss allowance to noncurrent loans | 690.8197% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 3,116 |
| Noncurrent loans to loans | 0.2501% | 3,050 |
| Net loans and leases to total assets | 40.3047% | 4,277 |
| Net loans and leases to deposits | 47.7662% | 4,236 |
| Net loans and leases to core deposits | 50.7846% | 4,197 |
| Total domestic deposits to total assets | 84.3791% | 3,322 |
| Equity capital to assets | 14.8780% | 550 |
| Core capital (leverage) ratio | 14.5871% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,809,333 | 2,524 |
| Average earning assets | $264,291,000 | 2,541 |
| Average equity | $43,648,333 | 1,970 |
| Average total loans | $121,288,333 | 2,995 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2840% | 3,490 |
| Cost of funding earning assets | 0.2371% | 3,587 |
| Net interest margin | 3.0469% | 3,139 |
| Noninterest income to average assets | 0.6319% | 2,087 |
| Noninterest expense to average assets | 2.0722% | 3,505 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9018% | 3,121 |
| Return on assets (ROA) | 0.9018% | 3,202 |
| Pretax return on assets | 1.3829% | 2,327 |
| Return on Equity (ROE) | 5.7943% | 3,919 |
| Retained earnings to average equity (ytd only) | 5.7943% | 2,967 |
| Net charge-offs to loans | 0.1157% | 610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 27.5143% | 1,130 |
| Efficiency ratio | 59.9751% | 3,036 |
| Assets per employee ($millions) | 7.2795% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7276% | 985 |
| Loan loss allowance to noncurrent loans | 252.8522% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 2,669 |
| Noncurrent loans to loans | 0.6832% | 1,876 |
| Net loans and leases to total assets | 42.4324% | 4,205 |
| Net loans and leases to deposits | 50.3324% | 4,140 |
| Net loans and leases to core deposits | 53.4167% | 4,126 |
| Total domestic deposits to total assets | 84.3043% | 3,339 |
| Equity capital to assets | 14.8983% | 510 |
| Core capital (leverage) ratio | 14.8163% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,541,500 | 2,551 |
| Average earning assets | $258,102,500 | 2,555 |
| Average equity | $43,353,000 | 1,971 |
| Average total loans | $120,957,000 | 3,006 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4561% | 4,104 |
| Cost of funding earning assets | 0.3299% | 3,975 |
| Net interest margin | 3.1262% | 3,565 |
| Noninterest income to average assets | 0.8015% | 1,523 |
| Noninterest expense to average assets | 2.0728% | 3,992 |
| Loan and lease loss provision to assets | 0.3309% | 1,084 |
| Net operating income to assets | 1.0938% | 1,951 |
| Return on assets (ROA) | 1.0938% | 2,069 |
| Pretax return on assets | 1.2974% | 1,985 |
| Return on Equity (ROE) | 6.6615% | 3,343 |
| Retained earnings to average equity (ytd only) | 4.2908% | 2,656 |
| Net charge-offs to loans | 0.6286% | 239 |
| Credit loss provision to net charge-offs | 121.0826% | 2,625 |
| Earnings coverage of net charge-offs (x) | 5.9587% | 2,822 |
| Efficiency ratio | 56.0055% | 3,986 |
| Assets per employee ($millions) | 6.6476% | 1,820 |
| Cash dividends to net income (ytd only)* | 35.5872% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8995% | 724 |
| Loan loss allowance to noncurrent loans | 256.9267% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 2,700 |
| Noncurrent loans to loans | 0.7393% | 1,855 |
| Net loans and leases to total assets | 42.8654% | 4,307 |
| Net loans and leases to deposits | 51.9158% | 4,218 |
| Net loans and leases to core deposits | 55.1129% | 4,200 |
| Total domestic deposits to total assets | 82.5673% | 3,522 |
| Equity capital to assets | 16.2936% | 402 |
| Core capital (leverage) ratio | 15.8654% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,898,200 | 2,530 |
| Average earning assets | $238,277,200 | 2,536 |
| Average equity | $42,183,000 | 1,939 |
| Average total loans | $111,668,200 | 3,075 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4297% | 4,313 |
| Cost of funding earning assets | 0.3483% | 4,064 |
| Net interest margin | 3.0814% | 3,784 |
| Noninterest income to average assets | 0.9131% | 1,187 |
| Noninterest expense to average assets | 2.0792% | 3,990 |
| Loan and lease loss provision to assets | 0.3405% | 1,131 |
| Net operating income to assets | 1.0288% | 2,224 |
| Return on assets (ROA) | 1.0288% | 2,357 |
| Pretax return on assets | 1.3561% | 1,863 |
| Return on Equity (ROE) | 6.2532% | 3,464 |
| Retained earnings to average equity (ytd only) | 6.2532% | 1,995 |
| Net charge-offs to loans | 0.5066% | 294 |
| Credit loss provision to net charge-offs | 154.7619% | 2,301 |
| Earnings coverage of net charge-offs (x) | 7.7143% | 2,554 |
| Efficiency ratio | 55.0686% | 4,028 |
| Assets per employee ($millions) | 6.3570% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0443% | 461 |
| Loan loss allowance to noncurrent loans | 257.4803% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 2,771 |
| Noncurrent loans to loans | 0.7939% | 1,835 |
| Net loans and leases to total assets | 42.0825% | 4,494 |
| Net loans and leases to deposits | 51.0678% | 4,450 |
| Net loans and leases to core deposits | 54.3884% | 4,436 |
| Total domestic deposits to total assets | 82.4051% | 3,314 |
| Equity capital to assets | 16.7366% | 398 |
| Core capital (leverage) ratio | 15.7893% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,647,250 | 2,538 |
| Average earning assets | $236,556,250 | 2,531 |
| Average equity | $41,897,500 | 1,937 |
| Average total loans | $110,538,500 | 3,103 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5531% | 4,346 |
| Cost of funding earning assets | 0.3679% | 4,186 |
| Net interest margin | 3.1852% | 3,708 |
| Noninterest income to average assets | 1.0196% | 947 |
| Noninterest expense to average assets | 2.1460% | 3,936 |
| Loan and lease loss provision to assets | 0.3958% | 1,025 |
| Net operating income to assets | 1.1098% | 1,937 |
| Return on assets (ROA) | 1.1098% | 2,059 |
| Pretax return on assets | 1.4384% | 1,614 |
| Return on Equity (ROE) | 6.7856% | 3,212 |
| Retained earnings to average equity (ytd only) | 6.7856% | 1,748 |
| Net charge-offs to loans | 0.4761% | 335 |
| Credit loss provision to net charge-offs | 190.8397% | 1,956 |
| Earnings coverage of net charge-offs (x) | 8.8435% | 2,262 |
| Efficiency ratio | 53.9181% | 4,190 |
| Assets per employee ($millions) | 6.7943% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9653% | 464 |
| Loan loss allowance to noncurrent loans | 286.4090% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 3,099 |
| Noncurrent loans to loans | 0.6862% | 2,157 |
| Net loans and leases to total assets | 43.2412% | 4,492 |
| Net loans and leases to deposits | 52.1235% | 4,442 |
| Net loans and leases to core deposits | 54.9700% | 4,462 |
| Total domestic deposits to total assets | 82.9590% | 3,099 |
| Equity capital to assets | 16.2352% | 441 |
| Core capital (leverage) ratio | 15.4146% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,650,333 | 2,529 |
| Average earning assets | $234,836,333 | 2,525 |
| Average equity | $41,322,667 | 1,945 |
| Average total loans | $110,060,667 | 3,101 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7438% | 4,314 |
| Cost of funding earning assets | 0.3979% | 4,369 |
| Net interest margin | 3.3460% | 3,461 |
| Noninterest income to average assets | 0.6410% | 1,859 |
| Noninterest expense to average assets | 2.2265% | 3,941 |
| Loan and lease loss provision to assets | 0.3246% | 955 |
| Net operating income to assets | 0.8147% | 2,859 |
| Return on assets (ROA) | 0.8147% | 2,948 |
| Pretax return on assets | 1.1879% | 2,237 |
| Return on Equity (ROE) | 4.9612% | 3,648 |
| Retained earnings to average equity (ytd only) | 4.9612% | 2,291 |
| Net charge-offs to loans | 0.1763% | 755 |
| Credit loss provision to net charge-offs | 425.5319% | 965 |
| Earnings coverage of net charge-offs (x) | 19.8298% | 1,430 |
| Efficiency ratio | 59.5486% | 3,804 |
| Assets per employee ($millions) | 5.9922% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0536% | 466 |
| Loan loss allowance to noncurrent loans | 236.8308% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 2,961 |
| Noncurrent loans to loans | 0.8671% | 1,883 |
| Net loans and leases to total assets | 41.9189% | 4,596 |
| Net loans and leases to deposits | 50.4869% | 4,576 |
| Net loans and leases to core deposits | 53.2530% | 4,591 |
| Total domestic deposits to total assets | 83.0292% | 3,102 |
| Equity capital to assets | 16.0815% | 570 |
| Core capital (leverage) ratio | 15.9209% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,486,000 | 2,514 |
| Average earning assets | $228,214,500 | 2,511 |
| Average equity | $40,474,000 | 1,970 |
| Average total loans | $106,652,500 | 3,128 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9969% | 4,263 |
| Cost of funding earning assets | 0.3467% | 4,604 |
| Net interest margin | 3.6502% | 2,967 |
| Noninterest income to average assets | 0.6594% | 1,969 |
| Noninterest expense to average assets | 2.2346% | 4,091 |
| Loan and lease loss provision to assets | 0.0400% | 3,214 |
| Net operating income to assets | 1.4045% | 1,329 |
| Return on assets (ROA) | 1.4276% | 1,313 |
| Pretax return on assets | 1.7917% | 960 |
| Return on Equity (ROE) | 9.1582% | 2,684 |
| Retained earnings to average equity (ytd only) | 6.5914% | 1,568 |
| Net charge-offs to loans | 0.1526% | 1,302 |
| Credit loss provision to net charge-offs | 64.1026% | 2,987 |
| Earnings coverage of net charge-offs (x) | 28.8846% | 1,616 |
| Efficiency ratio | 55.3463% | 4,288 |
| Assets per employee ($millions) | 5.7452% | 1,842 |
| Cash dividends to net income (ytd only)* | 28.0269% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9499% | 499 |
| Loan loss allowance to noncurrent loans | 1,337.0130% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 4,306 |
| Noncurrent loans to loans | 0.1458% | 3,944 |
| Net loans and leases to total assets | 42.9075% | 4,644 |
| Net loans and leases to deposits | 52.3430% | 4,598 |
| Net loans and leases to core deposits | 53.5059% | 4,662 |
| Total domestic deposits to total assets | 81.9737% | 3,516 |
| Equity capital to assets | 16.7739% | 496 |
| Core capital (leverage) ratio | 16.6933% | 451 |
| Tier 1 risk-based capital ratio | 24.6300% | 776 |
| Total risk-based capital ratio | 25.8798% | 757 |
| Memoranda: | ||
| Average total assets | $249,932,200 | 2,463 |
| Average earning assets | $231,303,800 | 2,463 |
| Average equity | $38,959,800 | 1,980 |
| Average total loans | $102,241,200 | 3,197 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9991% | 4,361 |
| Cost of funding earning assets | 0.3411% | 4,685 |
| Net interest margin | 3.6580% | 3,063 |
| Noninterest income to average assets | 0.6347% | 2,050 |
| Noninterest expense to average assets | 2.1447% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4719% | 1,269 |
| Return on assets (ROA) | 1.4719% | 1,327 |
| Pretax return on assets | 1.8818% | 905 |
| Return on Equity (ROE) | 9.6176% | 2,613 |
| Retained earnings to average equity (ytd only) | 9.6176% | 861 |
| Net charge-offs to loans | 0.0881% | 1,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 53.1051% | 1,141 |
| Efficiency ratio | 53.2642% | 4,470 |
| Assets per employee ($millions) | 5.7485% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 554 |
| Loan loss allowance to noncurrent loans | 984.6154% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 4,294 |
| Noncurrent loans to loans | 0.1936% | 3,845 |
| Net loans and leases to total assets | 42.6436% | 4,736 |
| Net loans and leases to deposits | 51.6111% | 4,721 |
| Net loans and leases to core deposits | 52.2860% | 4,792 |
| Total domestic deposits to total assets | 82.6248% | 3,272 |
| Equity capital to assets | 16.4670% | 562 |
| Core capital (leverage) ratio | 15.7698% | 588 |
| Tier 1 risk-based capital ratio | 24.8070% | 777 |
| Total risk-based capital ratio | 26.0571% | 765 |
| Memoranda: | ||
| Average total assets | $252,090,750 | 2,468 |
| Average earning assets | $233,746,000 | 2,467 |
| Average equity | $38,581,000 | 2,004 |
| Average total loans | $101,403,000 | 3,248 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 4,363 |
| Cost of funding earning assets | 0.3300% | 4,737 |
| Net interest margin | 3.6754% | 3,009 |
| Noninterest income to average assets | 0.6235% | 2,049 |
| Noninterest expense to average assets | 2.1858% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4701% | 1,232 |
| Return on assets (ROA) | 1.4701% | 1,286 |
| Pretax return on assets | 1.8445% | 939 |
| Return on Equity (ROE) | 9.8486% | 2,460 |
| Retained earnings to average equity (ytd only) | 9.8486% | 805 |
| Net charge-offs to loans | 0.0342% | 2,181 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 137.6471% | 530 |
| Efficiency ratio | 54.2343% | 4,445 |
| Assets per employee ($millions) | 6.0271% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 422 |
| Loan loss allowance to noncurrent loans | 7,234.4828% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 4,741 |
| Noncurrent loans to loans | 0.0285% | 4,580 |
| Net loans and leases to total assets | 39.4331% | 4,863 |
| Net loans and leases to deposits | 47.2277% | 4,870 |
| Net loans and leases to core deposits | 47.8233% | 4,914 |
| Total domestic deposits to total assets | 83.4957% | 3,052 |
| Equity capital to assets | 15.6925% | 671 |
| Core capital (leverage) ratio | 15.2790% | 656 |
| Tier 1 risk-based capital ratio | 24.4885% | 804 |
| Total risk-based capital ratio | 25.7392% | 786 |
| Memoranda: | ||
| Average total assets | $253,725,670 | 2,465 |
| Average earning assets | $235,184,670 | 2,467 |
| Average equity | $37,873,330 | 2,028 |
| Average total loans | $99,385,000 | 3,295 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9061% | 4,542 |
| Cost of funding earning assets | 0.3126% | 4,810 |
| Net interest margin | 3.5934% | 3,273 |
| Noninterest income to average assets | 0.6094% | 2,004 |
| Noninterest expense to average assets | 2.2597% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2865% | 1,749 |
| Return on assets (ROA) | 1.2865% | 1,789 |
| Pretax return on assets | 1.6802% | 1,258 |
| Return on Equity (ROE) | 8.8449% | 2,874 |
| Retained earnings to average equity (ytd only) | 8.8449% | 1,372 |
| Net charge-offs to loans | -0.0652% | 4,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3541% | 4,162 |
| Assets per employee ($millions) | 5.8281% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2114% | 351 |
| Loan loss allowance to noncurrent loans | 2,029.5238% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 4,630 |
| Noncurrent loans to loans | 0.1090% | 4,246 |
| Net loans and leases to total assets | 36.7472% | 4,992 |
| Net loans and leases to deposits | 43.5138% | 5,000 |
| Net loans and leases to core deposits | 44.1091% | 5,038 |
| Total domestic deposits to total assets | 84.4495% | 2,866 |
| Equity capital to assets | 14.7015% | 828 |
| Core capital (leverage) ratio | 14.8780% | 725 |
| Tier 1 risk-based capital ratio | 24.4236% | 806 |
| Total risk-based capital ratio | 25.6752% | 789 |
| Memoranda: | ||
| Average total assets | $254,018,500 | 2,484 |
| Average earning assets | $235,429,000 | 2,487 |
| Average equity | $36,948,000 | 2,061 |
| Average total loans | $98,118,000 | 3,349 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7720% | 4,553 |
| Cost of funding earning assets | 0.2398% | 4,853 |
| Net interest margin | 3.5322% | 3,594 |
| Noninterest income to average assets | 0.6439% | 2,070 |
| Noninterest expense to average assets | 2.1867% | 4,369 |
| Loan and lease loss provision to assets | 0.0788% | 2,553 |
| Net operating income to assets | 1.3363% | 1,665 |
| Return on assets (ROA) | 1.2999% | 1,789 |
| Pretax return on assets | 1.6110% | 1,435 |
| Return on Equity (ROE) | 9.3452% | 2,815 |
| Retained earnings to average equity (ytd only) | 6.5142% | 1,915 |
| Net charge-offs to loans | 0.1191% | 1,550 |
| Credit loss provision to net charge-offs | 162.6016% | 1,704 |
| Earnings coverage of net charge-offs (x) | 35.8130% | 1,422 |
| Efficiency ratio | 55.7642% | 4,438 |
| Assets per employee ($millions) | 5.7182% | 1,755 |
| Cash dividends to net income (ytd only)* | 30.2939% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1177% | 389 |
| Loan loss allowance to noncurrent loans | 1,090.2062% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 4,436 |
| Noncurrent loans to loans | 0.1942% | 3,882 |
| Net loans and leases to total assets | 38.8540% | 4,987 |
| Net loans and leases to deposits | 46.0081% | 4,983 |
| Net loans and leases to core deposits | 46.6491% | 5,018 |
| Total domestic deposits to total assets | 84.4504% | 2,850 |
| Equity capital to assets | 14.3863% | 871 |
| Core capital (leverage) ratio | 15.2052% | 646 |
| Tier 1 risk-based capital ratio | 23.5614% | 861 |
| Total risk-based capital ratio | 24.8121% | 836 |
| Memoranda: | ||
| Average total assets | $253,939,400 | 2,444 |
| Average earning assets | $235,629,000 | 2,446 |
| Average equity | $35,323,000 | 2,060 |
| Average total loans | $103,269,600 | 3,242 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7392% | 4,570 |
| Cost of funding earning assets | 0.2328% | 4,871 |
| Net interest margin | 3.5064% | 3,677 |
| Noninterest income to average assets | 0.6197% | 2,208 |
| Noninterest expense to average assets | 2.0870% | 4,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4333% | 1,382 |
| Return on assets (ROA) | 1.3856% | 1,540 |
| Pretax return on assets | 1.7313% | 1,202 |
| Return on Equity (ROE) | 10.0459% | 2,600 |
| Retained earnings to average equity (ytd only) | 10.0459% | 910 |
| Net charge-offs to loans | 0.0807% | 1,715 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 54.2685% | 1,124 |
| Efficiency ratio | 53.8160% | 4,625 |
| Assets per employee ($millions) | 5.5881% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8093% | 710 |
| Loan loss allowance to noncurrent loans | 1,182.6347% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 4,634 |
| Noncurrent loans to loans | 0.1530% | 4,195 |
| Net loans and leases to total assets | 44.6063% | 4,861 |
| Net loans and leases to deposits | 53.0102% | 4,854 |
| Net loans and leases to core deposits | 53.7862% | 4,919 |
| Total domestic deposits to total assets | 84.1466% | 2,892 |
| Equity capital to assets | 14.9878% | 721 |
| Core capital (leverage) ratio | 14.8530% | 734 |
| Tier 1 risk-based capital ratio | 23.5065% | 890 |
| Total risk-based capital ratio | 24.7529% | 869 |
| Memoranda: | ||
| Average total assets | $254,524,000 | 2,459 |
| Average earning assets | $236,517,250 | 2,455 |
| Average equity | $35,104,750 | 2,072 |
| Average total loans | $104,119,000 | 3,256 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 4,721 |
| Cost of funding earning assets | 0.2282% | 4,868 |
| Net interest margin | 3.4002% | 3,953 |
| Noninterest income to average assets | 0.6108% | 2,266 |
| Noninterest expense to average assets | 2.0721% | 4,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3603% | 1,567 |
| Return on assets (ROA) | 1.3603% | 1,570 |
| Pretax return on assets | 1.6954% | 1,221 |
| Return on Equity (ROE) | 10.0416% | 2,543 |
| Retained earnings to average equity (ytd only) | 10.0416% | 916 |
| Net charge-offs to loans | 0.0117% | 2,740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 366.8333% | 251 |
| Efficiency ratio | 54.9990% | 4,582 |
| Assets per employee ($millions) | 5.8251% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9279% | 602 |
| Loan loss allowance to noncurrent loans | 615.7576% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 4,359 |
| Noncurrent loans to loans | 0.3131% | 3,582 |
| Net loans and leases to total assets | 40.3297% | 5,047 |
| Net loans and leases to deposits | 47.3093% | 5,051 |
| Net loans and leases to core deposits | 47.9488% | 5,099 |
| Total domestic deposits to total assets | 85.2469% | 2,580 |
| Equity capital to assets | 13.9822% | 935 |
| Core capital (leverage) ratio | 14.1132% | 879 |
| Tier 1 risk-based capital ratio | 22.8039% | 953 |
| Total risk-based capital ratio | 24.0539% | 937 |
| Memoranda: | ||
| Average total assets | $259,641,000 | 2,425 |
| Average earning assets | $241,042,000 | 2,423 |
| Average equity | $35,173,670 | 2,081 |
| Average total loans | $102,439,000 | 3,299 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4655% | 4,927 |
| Cost of funding earning assets | 0.2242% | 4,870 |
| Net interest margin | 3.2413% | 4,336 |
| Noninterest income to average assets | 0.6169% | 2,185 |
| Noninterest expense to average assets | 2.0481% | 4,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2874% | 1,683 |
| Return on assets (ROA) | 1.2874% | 1,688 |
| Pretax return on assets | 1.5782% | 1,457 |
| Return on Equity (ROE) | 9.6550% | 2,607 |
| Retained earnings to average equity (ytd only) | 9.6550% | 1,269 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4795% | 4,520 |
| Assets per employee ($millions) | 5.8869% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0014% | 547 |
| Loan loss allowance to noncurrent loans | 681.6054% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 4,531 |
| Noncurrent loans to loans | 0.2936% | 3,716 |
| Net loans and leases to total assets | 37.6702% | 5,151 |
| Net loans and leases to deposits | 43.7897% | 5,162 |
| Net loans and leases to core deposits | 44.3563% | 5,202 |
| Total domestic deposits to total assets | 86.0251% | 2,532 |
| Equity capital to assets | 13.2075% | 1,156 |
| Core capital (leverage) ratio | 13.6761% | 959 |
| Tier 1 risk-based capital ratio | 23.6302% | 875 |
| Total risk-based capital ratio | 24.8811% | 855 |
| Memoranda: | ||
| Average total assets | $261,309,000 | 2,433 |
| Average earning assets | $242,619,000 | 2,430 |
| Average equity | $34,842,000 | 2,111 |
| Average total loans | $100,959,000 | 3,344 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3666% | 4,987 |
| Cost of funding earning assets | 0.1959% | 4,981 |
| Net interest margin | 3.1707% | 4,518 |
| Noninterest income to average assets | 0.5980% | 2,462 |
| Noninterest expense to average assets | 1.9291% | 5,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1676% | 1,625 |
| Return on assets (ROA) | 1.1742% | 1,621 |
| Pretax return on assets | 1.6322% | 1,214 |
| Return on Equity (ROE) | 8.9412% | 2,346 |
| Retained earnings to average equity (ytd only) | 6.0278% | 1,527 |
| Net charge-offs to loans | 0.4346% | 562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 10.1241% | 2,713 |
| Efficiency ratio | 54.3085% | 4,931 |
| Assets per employee ($millions) | 5.8570% | 1,620 |
| Cash dividends to net income (ytd only)* | 32.5839% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0362% | 501 |
| Loan loss allowance to noncurrent loans | 388.1905% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 4,116 |
| Noncurrent loans to loans | 0.5245% | 2,939 |
| Net loans and leases to total assets | 38.0469% | 5,219 |
| Net loans and leases to deposits | 44.5376% | 5,230 |
| Net loans and leases to core deposits | 45.1340% | 5,263 |
| Total domestic deposits to total assets | 85.4265% | 2,682 |
| Equity capital to assets | 13.4633% | 1,076 |
| Core capital (leverage) ratio | 13.9558% | 845 |
| Tier 1 risk-based capital ratio | 22.4123% | 974 |
| Total risk-based capital ratio | 23.6625% | 949 |
| Memoranda: | ||
| Average total assets | $261,371,600 | 2,405 |
| Average earning assets | $243,508,600 | 2,395 |
| Average equity | $34,324,200 | 2,117 |
| Average total loans | $96,413,200 | 3,407 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3310% | 5,066 |
| Cost of funding earning assets | 0.1951% | 5,017 |
| Net interest margin | 3.1360% | 4,608 |
| Noninterest income to average assets | 0.5800% | 2,583 |
| Noninterest expense to average assets | 1.8656% | 5,181 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1824% | 1,766 |
| Return on assets (ROA) | 1.1824% | 1,812 |
| Pretax return on assets | 1.6399% | 1,280 |
| Return on Equity (ROE) | 9.0597% | 2,569 |
| Retained earnings to average equity (ytd only) | 9.0597% | 820 |
| Net charge-offs to loans | 0.8252% | 219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 5.4586% | 3,105 |
| Efficiency ratio | 53.2193% | 4,992 |
| Assets per employee ($millions) | 5.7365% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9119% | 682 |
| Loan loss allowance to noncurrent loans | 482.1705% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 4,504 |
| Noncurrent loans to loans | 0.3965% | 3,534 |
| Net loans and leases to total assets | 37.9279% | 5,273 |
| Net loans and leases to deposits | 44.8581% | 5,290 |
| Net loans and leases to core deposits | 45.5924% | 5,323 |
| Total domestic deposits to total assets | 84.5508% | 2,899 |
| Equity capital to assets | 14.2539% | 922 |
| Core capital (leverage) ratio | 13.5544% | 1,007 |
| Tier 1 risk-based capital ratio | 24.0970% | 841 |
| Total risk-based capital ratio | 25.3473% | 823 |
| Memoranda: | ||
| Average total assets | $262,287,500 | 2,411 |
| Average earning assets | $244,682,000 | 2,401 |
| Average equity | $34,231,250 | 2,137 |
| Average total loans | $95,494,500 | 3,448 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2745% | 5,140 |
| Cost of funding earning assets | 0.1881% | 5,079 |
| Net interest margin | 3.0864% | 4,718 |
| Noninterest income to average assets | 0.5761% | 2,576 |
| Noninterest expense to average assets | 1.8571% | 5,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1469% | 1,793 |
| Return on assets (ROA) | 1.1469% | 1,842 |
| Pretax return on assets | 1.5988% | 1,348 |
| Return on Equity (ROE) | 9.0523% | 2,491 |
| Retained earnings to average equity (ytd only) | 9.0523% | 823 |
| Net charge-offs to loans | 0.1076% | 1,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 41.6275% | 1,214 |
| Efficiency ratio | 53.7372% | 5,038 |
| Assets per employee ($millions) | 6.1616% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5382% | 272 |
| Loan loss allowance to noncurrent loans | 493.0328% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 4,440 |
| Noncurrent loans to loans | 0.5148% | 3,211 |
| Net loans and leases to total assets | 34.8696% | 5,418 |
| Net loans and leases to deposits | 40.4687% | 5,441 |
| Net loans and leases to core deposits | 41.0869% | 5,470 |
| Total domestic deposits to total assets | 86.1644% | 2,308 |
| Equity capital to assets | 13.0849% | 1,332 |
| Core capital (leverage) ratio | 12.8882% | 1,221 |
| Tier 1 risk-based capital ratio | 23.6453% | 888 |
| Total risk-based capital ratio | 24.9001% | 871 |
| Memoranda: | ||
| Average total assets | $265,580,670 | 2,404 |
| Average earning assets | $247,797,000 | 2,394 |
| Average equity | $33,649,000 | 2,157 |
| Average total loans | $94,793,000 | 3,476 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2352% | 5,193 |
| Cost of funding earning assets | 0.1806% | 5,148 |
| Net interest margin | 3.0546% | 4,777 |
| Noninterest income to average assets | 0.5626% | 2,589 |
| Noninterest expense to average assets | 1.8804% | 5,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0801% | 1,948 |
| Return on assets (ROA) | 1.0801% | 1,993 |
| Pretax return on assets | 1.5314% | 1,440 |
| Return on Equity (ROE) | 8.6664% | 2,576 |
| Retained earnings to average equity (ytd only) | 8.6664% | 1,200 |
| Net charge-offs to loans | 0.0675% | 1,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 63.6250% | 774 |
| Efficiency ratio | 55.1146% | 5,030 |
| Assets per employee ($millions) | 6.2953% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5721% | 293 |
| Loan loss allowance to noncurrent loans | 611.7794% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 4,672 |
| Noncurrent loans to loans | 0.4204% | 3,585 |
| Net loans and leases to total assets | 34.1569% | 5,464 |
| Net loans and leases to deposits | 39.3424% | 5,492 |
| Net loans and leases to core deposits | 40.0466% | 5,520 |
| Total domestic deposits to total assets | 86.8196% | 2,298 |
| Equity capital to assets | 12.4076% | 1,590 |
| Core capital (leverage) ratio | 12.5244% | 1,329 |
| Tier 1 risk-based capital ratio | 22.8800% | 993 |
| Total risk-based capital ratio | 24.1348% | 972 |
| Memoranda: | ||
| Average total assets | $265,897,500 | 2,422 |
| Average earning assets | $248,020,500 | 2,412 |
| Average equity | $33,139,500 | 2,188 |
| Average total loans | $94,793,500 | 3,505 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2962% | 5,164 |
| Cost of funding earning assets | 0.1808% | 5,203 |
| Net interest margin | 3.1154% | 4,688 |
| Noninterest income to average assets | 0.5702% | 2,816 |
| Noninterest expense to average assets | 1.9526% | 5,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1046% | 1,884 |
| Return on assets (ROA) | 1.1138% | 1,936 |
| Pretax return on assets | 1.5484% | 1,433 |
| Return on Equity (ROE) | 9.1022% | 2,368 |
| Retained earnings to average equity (ytd only) | 2.9789% | 3,779 |
| Net charge-offs to loans | -0.0279% | 5,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9768% | 5,071 |
| Assets per employee ($millions) | 6.0720% | 1,425 |
| Cash dividends to net income (ytd only)* | 67.2721% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5949% | 280 |
| Loan loss allowance to noncurrent loans | 883.8129% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1065% | 4,891 |
| Noncurrent loans to loans | 0.2936% | 4,096 |
| Net loans and leases to total assets | 35.3229% | 5,507 |
| Net loans and leases to deposits | 40.8842% | 5,524 |
| Net loans and leases to core deposits | 41.6469% | 5,553 |
| Total domestic deposits to total assets | 86.3974% | 2,415 |
| Equity capital to assets | 12.5210% | 1,514 |
| Core capital (leverage) ratio | 12.8377% | 1,196 |
| Tier 1 risk-based capital ratio | 22.8628% | 978 |
| Total risk-based capital ratio | 24.1183% | 966 |
| Memoranda: | ||
| Average total assets | $266,924,600 | 2,383 |
| Average earning assets | $250,014,000 | 2,356 |
| Average equity | $32,662,600 | 2,195 |
| Average total loans | $96,757,000 | 3,447 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3046% | 5,213 |
| Cost of funding earning assets | 0.1838% | 5,236 |
| Net interest margin | 3.1208% | 4,716 |
| Noninterest income to average assets | 0.5768% | 2,780 |
| Noninterest expense to average assets | 1.9464% | 5,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0763% | 2,095 |
| Return on assets (ROA) | 1.0880% | 2,147 |
| Pretax return on assets | 1.5738% | 1,452 |
| Return on Equity (ROE) | 8.9417% | 2,525 |
| Retained earnings to average equity (ytd only) | 4.8587% | 2,923 |
| Net charge-offs to loans | 0.2220% | 1,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 19.3461% | 1,938 |
| Efficiency ratio | 55.5587% | 5,104 |
| Assets per employee ($millions) | 5.7656% | 1,605 |
| Cash dividends to net income (ytd only)* | 45.6621% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3956% | 382 |
| Loan loss allowance to noncurrent loans | 293.7824% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3043% | 4,197 |
| Noncurrent loans to loans | 0.8154% | 2,631 |
| Net loans and leases to total assets | 36.4247% | 5,533 |
| Net loans and leases to deposits | 42.3975% | 5,570 |
| Net loans and leases to core deposits | 43.2162% | 5,604 |
| Total domestic deposits to total assets | 85.9125% | 2,401 |
| Equity capital to assets | 13.2724% | 1,359 |
| Core capital (leverage) ratio | 12.7875% | 1,273 |
| Tier 1 risk-based capital ratio | 23.6918% | 927 |
| Total risk-based capital ratio | 24.9464% | 911 |
| Memoranda: | ||
| Average total assets | $268,381,500 | 2,387 |
| Average earning assets | $251,682,000 | 2,359 |
| Average equity | $32,655,250 | 2,209 |
| Average total loans | $97,275,250 | 3,447 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3090% | 5,277 |
| Cost of funding earning assets | 0.1856% | 5,277 |
| Net interest margin | 3.1234% | 4,768 |
| Noninterest income to average assets | 0.5540% | 2,883 |
| Noninterest expense to average assets | 1.9401% | 5,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0714% | 2,082 |
| Return on assets (ROA) | 1.0714% | 2,203 |
| Pretax return on assets | 1.5457% | 1,538 |
| Return on Equity (ROE) | 9.0602% | 2,470 |
| Retained earnings to average equity (ytd only) | 2.8716% | 4,078 |
| Net charge-offs to loans | -0.2527% | 5,852 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6582% | 5,175 |
| Assets per employee ($millions) | 5.8536% | 1,508 |
| Cash dividends to net income (ytd only)* | 68.3060% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6081% | 318 |
| Loan loss allowance to noncurrent loans | 649.8728% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 4,917 |
| Noncurrent loans to loans | 0.4013% | 3,921 |
| Net loans and leases to total assets | 36.2062% | 5,597 |
| Net loans and leases to deposits | 42.0337% | 5,618 |
| Net loans and leases to core deposits | 42.6498% | 5,660 |
| Total domestic deposits to total assets | 86.1361% | 2,355 |
| Equity capital to assets | 12.5196% | 1,757 |
| Core capital (leverage) ratio | 11.8768% | 1,716 |
| Tier 1 risk-based capital ratio | 22.6648% | 1,055 |
| Total risk-based capital ratio | 23.9213% | 1,038 |
| Memoranda: | ||
| Average total assets | $273,280,330 | 2,348 |
| Average earning assets | $256,512,330 | 2,325 |
| Average equity | $32,317,000 | 2,229 |
| Average total loans | $98,143,000 | 3,439 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2226% | 5,454 |
| Cost of funding earning assets | 0.1870% | 5,309 |
| Net interest margin | 3.0357% | 5,033 |
| Noninterest income to average assets | 0.5176% | 3,007 |
| Noninterest expense to average assets | 2.1077% | 5,104 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8008% | 3,246 |
| Return on assets (ROA) | 0.8008% | 3,361 |
| Pretax return on assets | 1.2580% | 2,478 |
| Return on Equity (ROE) | 6.9654% | 3,474 |
| Retained earnings to average equity (ytd only) | -5.5398% | 5,629 |
| Net charge-offs to loans | 0.2361% | 865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 15.0862% | 1,675 |
| Efficiency ratio | 62.6228% | 4,352 |
| Assets per employee ($millions) | 5.9210% | 1,468 |
| Cash dividends to net income (ytd only)* | 179.5332% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4419% | 416 |
| Loan loss allowance to noncurrent loans | 671.9547% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 5,063 |
| Noncurrent loans to loans | 0.3634% | 4,129 |
| Net loans and leases to total assets | 34.0533% | 5,714 |
| Net loans and leases to deposits | 38.7935% | 5,751 |
| Net loans and leases to core deposits | 39.3620% | 5,789 |
| Total domestic deposits to total assets | 87.7810% | 1,760 |
| Equity capital to assets | 11.4605% | 2,474 |
| Core capital (leverage) ratio | 11.2359% | 2,199 |
| Tier 1 risk-based capital ratio | 21.9590% | 1,165 |
| Total risk-based capital ratio | 23.2142% | 1,142 |
| Memoranda: | ||
| Average total assets | $278,215,000 | 2,325 |
| Average earning assets | $261,031,000 | 2,297 |
| Average equity | $31,986,500 | 2,247 |
| Average total loans | $98,252,000 | 3,449 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1353% | 5,596 |
| Cost of funding earning assets | 0.1851% | 5,397 |
| Net interest margin | 2.9502% | 5,249 |
| Noninterest income to average assets | 0.7881% | 1,833 |
| Noninterest expense to average assets | 1.8682% | 5,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1906% | 1,585 |
| Return on assets (ROA) | 1.1906% | 1,661 |
| Pretax return on assets | 1.6878% | 1,030 |
| Return on Equity (ROE) | 10.9536% | 1,632 |
| Retained earnings to average equity (ytd only) | 7.6936% | 1,020 |
| Net charge-offs to loans | 0.3127% | 962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 16.5958% | 2,119 |
| Efficiency ratio | 52.5361% | 5,604 |
| Assets per employee ($millions) | 6.0466% | 1,354 |
| Cash dividends to net income (ytd only)* | 29.7619% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4455% | 430 |
| Loan loss allowance to noncurrent loans | 1,388.5714% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 5,398 |
| Noncurrent loans to loans | 0.1761% | 4,786 |
| Net loans and leases to total assets | 34.8511% | 5,745 |
| Net loans and leases to deposits | 39.6903% | 5,779 |
| Net loans and leases to core deposits | 40.2719% | 5,812 |
| Total domestic deposits to total assets | 87.8077% | 1,744 |
| Equity capital to assets | 11.5336% | 2,329 |
| Core capital (leverage) ratio | 11.5345% | 1,935 |
| Tier 1 risk-based capital ratio | 21.9902% | 1,150 |
| Total risk-based capital ratio | 23.2456% | 1,126 |
| Memoranda: | ||
| Average total assets | $282,199,000 | 2,251 |
| Average earning assets | $264,761,400 | 2,236 |
| Average equity | $30,674,800 | 2,272 |
| Average total loans | $91,779,800 | 3,554 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1205% | 5,682 |
| Cost of funding earning assets | 0.1864% | 5,483 |
| Net interest margin | 2.9340% | 5,344 |
| Noninterest income to average assets | 0.8498% | 1,619 |
| Noninterest expense to average assets | 1.8360% | 5,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3026% | 1,338 |
| Return on assets (ROA) | 1.3026% | 1,390 |
| Pretax return on assets | 1.7701% | 951 |
| Return on Equity (ROE) | 12.1663% | 1,331 |
| Retained earnings to average equity (ytd only) | 7.7694% | 1,346 |
| Net charge-offs to loans | 0.2047% | 1,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 27.2457% | 1,591 |
| Efficiency ratio | 50.9138% | 5,729 |
| Assets per employee ($millions) | 6.0625% | 1,331 |
| Cash dividends to net income (ytd only)* | 36.1402% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7857% | 306 |
| Loan loss allowance to noncurrent loans | 1,482.1839% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 5,522 |
| Noncurrent loans to loans | 0.1879% | 4,895 |
| Net loans and leases to total assets | 32.2730% | 5,913 |
| Net loans and leases to deposits | 36.7103% | 5,966 |
| Net loans and leases to core deposits | 37.2457% | 5,990 |
| Total domestic deposits to total assets | 87.9126% | 1,610 |
| Equity capital to assets | 11.3437% | 2,653 |
| Core capital (leverage) ratio | 11.1908% | 2,313 |
| Tier 1 risk-based capital ratio | 22.3850% | 1,142 |
| Total risk-based capital ratio | 23.6421% | 1,118 |
| Memoranda: | ||
| Average total assets | $283,213,000 | 2,264 |
| Average earning assets | $266,065,750 | 2,244 |
| Average equity | $30,323,500 | 2,312 |
| Average total loans | $89,883,250 | 3,625 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1269% | 5,711 |
| Cost of funding earning assets | 0.1881% | 5,543 |
| Net interest margin | 2.9388% | 5,364 |
| Noninterest income to average assets | 0.5698% | 2,907 |
| Noninterest expense to average assets | 1.8450% | 5,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0476% | 2,149 |
| Return on assets (ROA) | 1.0476% | 2,257 |
| Pretax return on assets | 1.4797% | 1,705 |
| Return on Equity (ROE) | 9.9778% | 2,080 |
| Retained earnings to average equity (ytd only) | 3.2858% | 3,958 |
| Net charge-offs to loans | 0.0899% | 2,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 52.6500% | 919 |
| Efficiency ratio | 55.4945% | 5,475 |
| Assets per employee ($millions) | 5.9830% | 1,367 |
| Cash dividends to net income (ytd only)* | 67.0691% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7186% | 366 |
| Loan loss allowance to noncurrent loans | 942.6056% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 5,467 |
| Noncurrent loans to loans | 0.2884% | 4,650 |
| Net loans and leases to total assets | 34.0647% | 5,906 |
| Net loans and leases to deposits | 38.4595% | 5,960 |
| Net loans and leases to core deposits | 39.0114% | 5,989 |
| Total domestic deposits to total assets | 88.5730% | 1,374 |
| Equity capital to assets | 10.7278% | 3,187 |
| Core capital (leverage) ratio | 10.5299% | 2,918 |
| Tier 1 risk-based capital ratio | 21.0539% | 1,350 |
| Total risk-based capital ratio | 22.3116% | 1,323 |
| Memoranda: | ||
| Average total assets | $284,658,330 | 2,273 |
| Average earning assets | $266,847,000 | 2,258 |
| Average equity | $29,886,330 | 2,349 |
| Average total loans | $88,984,000 | 3,662 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1426% | 5,732 |
| Cost of funding earning assets | 0.1863% | 5,633 |
| Net interest margin | 2.9562% | 5,329 |
| Noninterest income to average assets | 0.5559% | 2,916 |
| Noninterest expense to average assets | 1.9261% | 5,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9595% | 2,450 |
| Return on assets (ROA) | 0.9595% | 2,584 |
| Pretax return on assets | 1.3995% | 1,893 |
| Return on Equity (ROE) | 9.2382% | 2,342 |
| Retained earnings to average equity (ytd only) | -4.2090% | 5,876 |
| Net charge-offs to loans | 0.0427% | 2,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 111.3333% | 453 |
| Efficiency ratio | 57.9168% | 5,346 |
| Assets per employee ($millions) | 6.2866% | 1,195 |
| Cash dividends to net income (ytd only)* | 145.5604% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2282% | 233 |
| Loan loss allowance to noncurrent loans | 1,440.4255% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 5,673 |
| Noncurrent loans to loans | 0.2241% | 4,970 |
| Net loans and leases to total assets | 28.0719% | 6,130 |
| Net loans and leases to deposits | 31.5290% | 6,170 |
| Net loans and leases to core deposits | 31.9662% | 6,185 |
| Total domestic deposits to total assets | 89.0353% | 1,242 |
| Equity capital to assets | 10.2538% | 3,827 |
| Core capital (leverage) ratio | 9.8923% | 3,761 |
| Tier 1 risk-based capital ratio | 21.3168% | 1,365 |
| Total risk-based capital ratio | 22.5765% | 1,335 |
| Memoranda: | ||
| Average total assets | $286,386,000 | 2,279 |
| Average earning assets | $268,314,000 | 2,257 |
| Average equity | $29,746,000 | 2,368 |
| Average total loans | $84,242,000 | 3,792 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1625% | 5,877 |
| Cost of funding earning assets | 0.1928% | 5,813 |
| Net interest margin | 2.9697% | 5,506 |
| Noninterest income to average assets | 0.6212% | 2,732 |
| Noninterest expense to average assets | 1.8253% | 6,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1246% | 1,882 |
| Return on assets (ROA) | 1.1246% | 1,939 |
| Pretax return on assets | 1.5680% | 1,324 |
| Return on Equity (ROE) | 10.9577% | 1,734 |
| Retained earnings to average equity (ytd only) | 10.9577% | 384 |
| Net charge-offs to loans | -0.5649% | 6,407 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7910% | 5,854 |
| Assets per employee ($millions) | 5.9081% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2117% | 239 |
| Loan loss allowance to noncurrent loans | 1,775.8170% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 5,801 |
| Noncurrent loans to loans | 0.1809% | 5,182 |
| Net loans and leases to total assets | 28.8727% | 6,211 |
| Net loans and leases to deposits | 32.4945% | 6,247 |
| Net loans and leases to core deposits | 33.1886% | 6,258 |
| Total domestic deposits to total assets | 88.8540% | 1,321 |
| Equity capital to assets | 10.5222% | 3,448 |
| Core capital (leverage) ratio | 10.8440% | 2,559 |
| Tier 1 risk-based capital ratio | 22.1822% | 1,199 |
| Total risk-based capital ratio | 23.4423% | 1,174 |
| Memoranda: | ||
| Average total assets | $275,575,000 | 2,317 |
| Average earning assets | $257,234,600 | 2,294 |
| Average equity | $28,281,600 | 2,387 |
| Average total loans | $81,076,800 | 3,848 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1038% | 6,028 |
| Cost of funding earning assets | 0.1967% | 5,861 |
| Net interest margin | 2.9071% | 5,685 |
| Noninterest income to average assets | 0.6287% | 2,696 |
| Noninterest expense to average assets | 1.7877% | 6,107 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1858% | 1,731 |
| Return on assets (ROA) | 1.1858% | 1,803 |
| Pretax return on assets | 1.5571% | 1,459 |
| Return on Equity (ROE) | 11.6303% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.6303% | 443 |
| Net charge-offs to loans | 0.0599% | 3,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 88.7477% | 643 |
| Efficiency ratio | 53.4460% | 5,882 |
| Assets per employee ($millions) | 5.5950% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6792% | 503 |
| Loan loss allowance to noncurrent loans | 1,024.4240% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 5,842 |
| Noncurrent loans to loans | 0.2615% | 5,126 |
| Net loans and leases to total assets | 30.0673% | 6,245 |
| Net loans and leases to deposits | 33.9977% | 6,297 |
| Net loans and leases to core deposits | 34.8847% | 6,302 |
| Total domestic deposits to total assets | 88.4391% | 1,534 |
| Equity capital to assets | 10.8393% | 3,142 |
| Core capital (leverage) ratio | 10.5541% | 2,977 |
| Tier 1 risk-based capital ratio | 22.0626% | 1,255 |
| Total risk-based capital ratio | 23.3181% | 1,237 |
| Memoranda: | ||
| Average total assets | $273,571,250 | 2,349 |
| Average earning assets | $255,596,500 | 2,315 |
| Average equity | $27,892,000 | 2,427 |
| Average total loans | $80,196,750 | 3,895 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0826% | 6,084 |
| Cost of funding earning assets | 0.1979% | 5,933 |
| Net interest margin | 2.8848% | 5,759 |
| Noninterest income to average assets | 0.6031% | 2,802 |
| Noninterest expense to average assets | 1.7374% | 6,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2062% | 1,569 |
| Return on assets (ROA) | 1.2062% | 1,631 |
| Pretax return on assets | 1.5565% | 1,372 |
| Return on Equity (ROE) | 12.0789% | 1,399 |
| Retained earnings to average equity (ytd only) | 12.0789% | 417 |
| Net charge-offs to loans | 0.0883% | 2,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 61.2000% | 796 |
| Efficiency ratio | 52.7465% | 6,011 |
| Assets per employee ($millions) | 5.8849% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7664% | 487 |
| Loan loss allowance to noncurrent loans | 756.4626% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 5,841 |
| Noncurrent loans to loans | 0.3657% | 4,894 |
| Net loans and leases to total assets | 28.2611% | 6,353 |
| Net loans and leases to deposits | 31.7173% | 6,390 |
| Net loans and leases to core deposits | 32.4201% | 6,400 |
| Total domestic deposits to total assets | 89.1031% | 1,301 |
| Equity capital to assets | 10.2667% | 3,736 |
| Core capital (leverage) ratio | 10.1664% | 3,394 |
| Tier 1 risk-based capital ratio | 21.5728% | 1,331 |
| Total risk-based capital ratio | 22.8287% | 1,306 |
| Memoranda: | ||
| Average total assets | $275,241,330 | 2,331 |
| Average earning assets | $256,727,330 | 2,307 |
| Average equity | $27,486,000 | 2,441 |
| Average total loans | $79,271,670 | 3,926 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1348% | 6,080 |
| Cost of funding earning assets | 0.1990% | 6,007 |
| Net interest margin | 2.9358% | 5,680 |
| Noninterest income to average assets | 0.5682% | 2,928 |
| Noninterest expense to average assets | 1.7905% | 6,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1800% | 1,540 |
| Return on assets (ROA) | 1.1800% | 1,605 |
| Pretax return on assets | 1.5078% | 1,410 |
| Return on Equity (ROE) | 11.9865% | 1,408 |
| Retained earnings to average equity (ytd only) | 11.9865% | 606 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2845% | 5,989 |
| Assets per employee ($millions) | 5.8136% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7600% | 577 |
| Loan loss allowance to noncurrent loans | 465.7732% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 5,712 |
| Noncurrent loans to loans | 0.5926% | 4,387 |
| Net loans and leases to total assets | 28.5211% | 6,401 |
| Net loans and leases to deposits | 31.8776% | 6,439 |
| Net loans and leases to core deposits | 32.5407% | 6,450 |
| Total domestic deposits to total assets | 89.4708% | 1,381 |
| Equity capital to assets | 9.8458% | 4,040 |
| Core capital (leverage) ratio | 10.0306% | 3,531 |
| Tier 1 risk-based capital ratio | 20.7333% | 1,531 |
| Total risk-based capital ratio | 21.9894% | 1,499 |
| Memoranda: | ||
| Average total assets | $274,566,000 | 2,344 |
| Average earning assets | $255,329,000 | 2,321 |
| Average equity | $27,030,500 | 2,469 |
| Average total loans | $78,711,500 | 3,977 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9578% | 6,384 |
| Cost of funding earning assets | 0.2237% | 6,152 |
| Net interest margin | 2.7342% | 6,096 |
| Noninterest income to average assets | 0.5989% | 3,104 |
| Noninterest expense to average assets | 1.9057% | 6,183 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9334% | 2,628 |
| Return on assets (ROA) | 0.9334% | 2,710 |
| Pretax return on assets | 1.2495% | 2,362 |
| Return on Equity (ROE) | 9.5122% | 2,324 |
| Retained earnings to average equity (ytd only) | 6.1177% | 1,901 |
| Net charge-offs to loans | 0.2152% | 2,739 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 21.1000% | 1,509 |
| Efficiency ratio | 60.3988% | 5,417 |
| Assets per employee ($millions) | 5.5118% | 1,637 |
| Cash dividends to net income (ytd only)* | 35.6860% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9891% | 475 |
| Loan loss allowance to noncurrent loans | 392.8696% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 5,641 |
| Noncurrent loans to loans | 0.7608% | 4,065 |
| Net loans and leases to total assets | 27.1461% | 6,545 |
| Net loans and leases to deposits | 30.3232% | 6,577 |
| Net loans and leases to core deposits | 31.0096% | 6,584 |
| Total domestic deposits to total assets | 89.5227% | 1,321 |
| Equity capital to assets | 9.8438% | 3,968 |
| Core capital (leverage) ratio | 9.6653% | 4,032 |
| Tier 1 risk-based capital ratio | 21.1551% | 1,394 |
| Total risk-based capital ratio | 22.4120% | 1,374 |
| Memoranda: | ||
| Average total assets | $270,184,000 | 2,344 |
| Average earning assets | $252,616,200 | 2,309 |
| Average equity | $26,513,400 | 2,501 |
| Average total loans | $74,339,200 | 4,116 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9554% | 6,460 |
| Cost of funding earning assets | 0.2287% | 6,237 |
| Net interest margin | 2.7267% | 6,126 |
| Noninterest income to average assets | 0.6000% | 3,148 |
| Noninterest expense to average assets | 1.8163% | 6,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0357% | 2,239 |
| Return on assets (ROA) | 1.0357% | 2,320 |
| Pretax return on assets | 1.3313% | 2,209 |
| Return on Equity (ROE) | 10.5626% | 1,977 |
| Retained earnings to average equity (ytd only) | 10.5626% | 672 |
| Net charge-offs to loans | 0.0738% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 65.7992% | 697 |
| Efficiency ratio | 57.7050% | 5,725 |
| Assets per employee ($millions) | 5.4756% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1361% | 479 |
| Loan loss allowance to noncurrent loans | 368.1115% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 5,718 |
| Noncurrent loans to loans | 0.8520% | 4,121 |
| Net loans and leases to total assets | 27.3749% | 6,616 |
| Net loans and leases to deposits | 30.6711% | 6,654 |
| Net loans and leases to core deposits | 31.3715% | 6,656 |
| Total domestic deposits to total assets | 89.2532% | 1,431 |
| Equity capital to assets | 10.0982% | 3,769 |
| Core capital (leverage) ratio | 9.9633% | 3,724 |
| Tier 1 risk-based capital ratio | 21.5718% | 1,389 |
| Total risk-based capital ratio | 22.8300% | 1,360 |
| Memoranda: | ||
| Average total assets | $270,210,250 | 2,360 |
| Average earning assets | $252,461,000 | 2,318 |
| Average equity | $26,495,250 | 2,531 |
| Average total loans | $74,030,250 | 4,153 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9586% | 6,486 |
| Cost of funding earning assets | 0.2332% | 6,285 |
| Net interest margin | 2.7255% | 6,137 |
| Noninterest income to average assets | 0.5893% | 3,258 |
| Noninterest expense to average assets | 1.8416% | 6,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0065% | 2,305 |
| Return on assets (ROA) | 1.0065% | 2,440 |
| Pretax return on assets | 1.2937% | 2,321 |
| Return on Equity (ROE) | 10.3667% | 2,055 |
| Retained earnings to average equity (ytd only) | 10.3667% | 768 |
| Net charge-offs to loans | -0.0218% | 5,995 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7376% | 5,637 |
| Assets per employee ($millions) | 5.7694% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1703% | 489 |
| Loan loss allowance to noncurrent loans | 360.0890% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 5,759 |
| Noncurrent loans to loans | 0.8804% | 4,163 |
| Net loans and leases to total assets | 26.7671% | 6,664 |
| Net loans and leases to deposits | 29.7944% | 6,704 |
| Net loans and leases to core deposits | 30.5538% | 6,706 |
| Total domestic deposits to total assets | 89.8394% | 1,129 |
| Equity capital to assets | 9.5976% | 4,453 |
| Core capital (leverage) ratio | 9.5206% | 4,216 |
| Tier 1 risk-based capital ratio | 21.2294% | 1,441 |
| Total risk-based capital ratio | 22.4886% | 1,410 |
| Memoranda: | ||
| Average total assets | $270,845,670 | 2,364 |
| Average earning assets | $253,021,330 | 2,322 |
| Average equity | $26,295,670 | 2,559 |
| Average total loans | $73,431,670 | 4,195 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0455% | 6,463 |
| Cost of funding earning assets | 0.2343% | 6,384 |
| Net interest margin | 2.8112% | 6,005 |
| Noninterest income to average assets | 0.5497% | 3,445 |
| Noninterest expense to average assets | 1.9134% | 6,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9858% | 2,290 |
| Return on assets (ROA) | 0.9858% | 2,413 |
| Pretax return on assets | 1.2532% | 2,403 |
| Return on Equity (ROE) | 10.0941% | 2,028 |
| Retained earnings to average equity (ytd only) | 10.0941% | 1,083 |
| Net charge-offs to loans | -0.0167% | 5,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4245% | 5,529 |
| Assets per employee ($millions) | 5.7092% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1803% | 557 |
| Loan loss allowance to noncurrent loans | 298.2759% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 5,682 |
| Noncurrent loans to loans | 1.0662% | 4,013 |
| Net loans and leases to total assets | 26.9064% | 6,699 |
| Net loans and leases to deposits | 29.9892% | 6,744 |
| Net loans and leases to core deposits | 30.7186% | 6,752 |
| Total domestic deposits to total assets | 89.7202% | 1,215 |
| Equity capital to assets | 9.6448% | 4,646 |
| Core capital (leverage) ratio | 9.5740% | 3,968 |
| Tier 1 risk-based capital ratio | 20.7423% | 1,603 |
| Total risk-based capital ratio | 22.0008% | 1,572 |
| Memoranda: | ||
| Average total assets | $267,802,000 | 2,415 |
| Average earning assets | $249,287,500 | 2,384 |
| Average equity | $26,154,000 | 2,604 |
| Average total loans | $71,870,500 | 4,273 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1346% | 6,701 |
| Cost of funding earning assets | 0.2946% | 6,481 |
| Net interest margin | 2.8400% | 6,336 |
| Noninterest income to average assets | 0.6099% | 3,229 |
| Noninterest expense to average assets | 1.9559% | 6,405 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9942% | 2,363 |
| Return on assets (ROA) | 0.9942% | 2,585 |
| Pretax return on assets | 1.2911% | 2,445 |
| Return on Equity (ROE) | 9.5394% | 2,390 |
| Retained earnings to average equity (ytd only) | 5.9975% | 2,076 |
| Net charge-offs to loans | -1.0014% | 7,026 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2375% | 5,506 |
| Assets per employee ($millions) | 5.5651% | 1,627 |
| Cash dividends to net income (ytd only)* | 37.1287% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5792% | 400 |
| Loan loss allowance to noncurrent loans | 266.9978% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 5,643 |
| Noncurrent loans to loans | 1.3406% | 3,602 |
| Net loans and leases to total assets | 24.9139% | 6,838 |
| Net loans and leases to deposits | 27.8175% | 6,880 |
| Net loans and leases to core deposits | 28.5352% | 6,875 |
| Total domestic deposits to total assets | 89.5619% | 1,214 |
| Equity capital to assets | 9.8933% | 4,322 |
| Core capital (leverage) ratio | 9.8558% | 3,600 |
| Tier 1 risk-based capital ratio | 22.0896% | 1,249 |
| Total risk-based capital ratio | 23.3508% | 1,215 |
| Memoranda: | ||
| Average total assets | $243,824,600 | 2,590 |
| Average earning assets | $226,408,800 | 2,550 |
| Average equity | $25,410,400 | 2,617 |
| Average total loans | $63,210,400 | 4,589 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2198% | 6,784 |
| Cost of funding earning assets | 0.3099% | 6,564 |
| Net interest margin | 2.9099% | 6,339 |
| Noninterest income to average assets | 0.6171% | 3,170 |
| Noninterest expense to average assets | 1.8925% | 6,536 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0833% | 2,157 |
| Return on assets (ROA) | 1.0833% | 2,354 |
| Pretax return on assets | 1.4280% | 2,147 |
| Return on Equity (ROE) | 10.2526% | 2,230 |
| Retained earnings to average equity (ytd only) | 10.2526% | 847 |
| Net charge-offs to loans | -1.3866% | 7,126 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9943% | 5,918 |
| Assets per employee ($millions) | 5.2669% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9744% | 316 |
| Loan loss allowance to noncurrent loans | 230.7400% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 5,618 |
| Noncurrent loans to loans | 1.7225% | 3,208 |
| Net loans and leases to total assets | 23.7369% | 6,975 |
| Net loans and leases to deposits | 27.0359% | 6,999 |
| Net loans and leases to core deposits | 27.7241% | 6,995 |
| Total domestic deposits to total assets | 87.7977% | 2,172 |
| Equity capital to assets | 10.6693% | 3,641 |
| Core capital (leverage) ratio | 10.2701% | 3,200 |
| Tier 1 risk-based capital ratio | 24.0776% | 1,012 |
| Total risk-based capital ratio | 25.3408% | 989 |
| Memoranda: | ||
| Average total assets | $239,390,500 | 2,661 |
| Average earning assets | $222,408,750 | 2,615 |
| Average equity | $25,293,750 | 2,651 |
| Average total loans | $62,117,000 | 4,678 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1999% | 6,872 |
| Cost of funding earning assets | 0.3254% | 6,622 |
| Net interest margin | 2.8745% | 6,460 |
| Noninterest income to average assets | 0.6194% | 3,130 |
| Noninterest expense to average assets | 1.8980% | 6,600 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1003% | 2,045 |
| Return on assets (ROA) | 1.1003% | 2,270 |
| Pretax return on assets | 1.3867% | 2,251 |
| Return on Equity (ROE) | 10.4489% | 2,196 |
| Retained earnings to average equity (ytd only) | 10.4489% | 863 |
| Net charge-offs to loans | -0.4069% | 7,107 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7824% | 5,897 |
| Assets per employee ($millions) | 4.8244% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0503% | 742 |
| Loan loss allowance to noncurrent loans | 159.1514% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 5,538 |
| Noncurrent loans to loans | 1.9166% | 3,048 |
| Net loans and leases to total assets | 24.7118% | 7,015 |
| Net loans and leases to deposits | 27.7560% | 7,046 |
| Net loans and leases to core deposits | 28.5363% | 7,049 |
| Total domestic deposits to total assets | 89.0324% | 1,479 |
| Equity capital to assets | 10.4550% | 3,740 |
| Core capital (leverage) ratio | 10.0354% | 3,375 |
| Tier 1 risk-based capital ratio | 23.5487% | 1,069 |
| Total risk-based capital ratio | 24.8059% | 1,053 |
| Memoranda: | ||
| Average total assets | $236,673,000 | 2,694 |
| Average earning assets | $219,447,000 | 2,654 |
| Average equity | $24,921,330 | 2,682 |
| Average total loans | $62,425,670 | 4,699 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2535% | 6,923 |
| Cost of funding earning assets | 0.3491% | 6,642 |
| Net interest margin | 2.9044% | 6,480 |
| Noninterest income to average assets | 0.6311% | 3,053 |
| Noninterest expense to average assets | 2.0036% | 6,455 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1311% | 1,951 |
| Return on assets (ROA) | 1.1311% | 2,135 |
| Pretax return on assets | 1.3104% | 2,505 |
| Return on Equity (ROE) | 10.7015% | 2,136 |
| Retained earnings to average equity (ytd only) | 10.7015% | 1,109 |
| Net charge-offs to loans | -0.9698% | 7,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4579% | 5,550 |
| Assets per employee ($millions) | 5.0080% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1306% | 735 |
| Loan loss allowance to noncurrent loans | 139.1523% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 5,442 |
| Noncurrent loans to loans | 2.2497% | 2,860 |
| Net loans and leases to total assets | 24.9340% | 7,063 |
| Net loans and leases to deposits | 27.9650% | 7,092 |
| Net loans and leases to core deposits | 28.7687% | 7,093 |
| Total domestic deposits to total assets | 89.1615% | 1,590 |
| Equity capital to assets | 10.2840% | 3,746 |
| Core capital (leverage) ratio | 10.3197% | 2,970 |
| Tier 1 risk-based capital ratio | 23.1359% | 1,114 |
| Total risk-based capital ratio | 24.3937% | 1,095 |
| Memoranda: | ||
| Average total assets | $231,987,500 | 2,749 |
| Average earning assets | $214,292,000 | 2,719 |
| Average equity | $24,520,000 | 2,708 |
| Average total loans | $62,281,000 | 4,724 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5534% | 6,963 |
| Cost of funding earning assets | 0.4676% | 6,665 |
| Net interest margin | 3.0858% | 6,373 |
| Noninterest income to average assets | 0.6907% | 2,659 |
| Noninterest expense to average assets | 2.2710% | 6,113 |
| Loan and lease loss provision to assets | 0.3357% | 3,008 |
| Net operating income to assets | 0.8360% | 2,892 |
| Return on assets (ROA) | 0.8360% | 3,050 |
| Pretax return on assets | 0.9386% | 3,474 |
| Return on Equity (ROE) | 7.2767% | 3,260 |
| Retained earnings to average equity (ytd only) | 3.9368% | 3,402 |
| Net charge-offs to loans | 0.3492% | 3,652 |
| Credit loss provision to net charge-offs | 305.6769% | 759 |
| Earnings coverage of net charge-offs (x) | 11.6026% | 1,704 |
| Efficiency ratio | 64.0557% | 5,118 |
| Assets per employee ($millions) | 4.5631% | 2,807 |
| Cash dividends to net income (ytd only)* | 45.8979% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8490% | 931 |
| Loan loss allowance to noncurrent loans | 89.8390% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 4,838 |
| Noncurrent loans to loans | 3.1713% | 2,044 |
| Net loans and leases to total assets | 27.2380% | 7,083 |
| Net loans and leases to deposits | 30.7601% | 7,117 |
| Net loans and leases to core deposits | 31.7681% | 7,120 |
| Total domestic deposits to total assets | 88.5497% | 1,819 |
| Equity capital to assets | 10.8765% | 3,111 |
| Core capital (leverage) ratio | 10.6361% | 2,575 |
| Tier 1 risk-based capital ratio | 23.2585% | 1,072 |
| Total risk-based capital ratio | 24.5147% | 1,051 |
| Memoranda: | ||
| Average total assets | $208,494,800 | 2,963 |
| Average earning assets | $192,885,000 | 2,935 |
| Average equity | $23,953,200 | 2,675 |
| Average total loans | $65,572,400 | 4,650 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6253% | 7,000 |
| Cost of funding earning assets | 0.4906% | 6,737 |
| Net interest margin | 3.1348% | 6,330 |
| Noninterest income to average assets | 0.7040% | 2,580 |
| Noninterest expense to average assets | 2.1753% | 6,329 |
| Loan and lease loss provision to assets | 0.4559% | 2,182 |
| Net operating income to assets | 0.7405% | 3,427 |
| Return on assets (ROA) | 0.7405% | 3,596 |
| Pretax return on assets | 0.9737% | 3,508 |
| Return on Equity (ROE) | 6.3531% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.3531% | 2,324 |
| Net charge-offs to loans | 0.2896% | 3,643 |
| Credit loss provision to net charge-offs | 486.1111% | 570 |
| Earnings coverage of net charge-offs (x) | 15.2427% | 1,481 |
| Efficiency ratio | 60.3433% | 5,659 |
| Assets per employee ($millions) | 4.4828% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0134% | 851 |
| Loan loss allowance to noncurrent loans | 94.0201% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 4,906 |
| Noncurrent loans to loans | 3.2050% | 2,168 |
| Net loans and leases to total assets | 27.9859% | 7,146 |
| Net loans and leases to deposits | 31.8227% | 7,179 |
| Net loans and leases to core deposits | 33.1352% | 7,182 |
| Total domestic deposits to total assets | 87.9434% | 2,065 |
| Equity capital to assets | 11.5408% | 2,645 |
| Core capital (leverage) ratio | 11.0409% | 2,351 |
| Tier 1 risk-based capital ratio | 24.2803% | 984 |
| Total risk-based capital ratio | 25.5385% | 967 |
| Memoranda: | ||
| Average total assets | $204,720,500 | 3,024 |
| Average earning assets | $189,439,500 | 2,983 |
| Average equity | $23,861,750 | 2,688 |
| Average total loans | $66,293,500 | 4,663 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7104% | 7,007 |
| Cost of funding earning assets | 0.5103% | 6,813 |
| Net interest margin | 3.2002% | 6,159 |
| Noninterest income to average assets | 0.7126% | 2,481 |
| Noninterest expense to average assets | 2.1805% | 6,425 |
| Loan and lease loss provision to assets | 0.5963% | 1,622 |
| Net operating income to assets | 0.6897% | 3,594 |
| Return on assets (ROA) | 0.6897% | 3,713 |
| Pretax return on assets | 0.8965% | 3,625 |
| Return on Equity (ROE) | 5.8968% | 4,019 |
| Retained earnings to average equity (ytd only) | 5.8968% | 2,490 |
| Net charge-offs to loans | 0.5052% | 2,589 |
| Credit loss provision to net charge-offs | 350.8772% | 877 |
| Earnings coverage of net charge-offs (x) | 8.7836% | 2,008 |
| Efficiency ratio | 59.3615% | 5,971 |
| Assets per employee ($millions) | 4.2233% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6296% | 1,269 |
| Loan loss allowance to noncurrent loans | 77.9964% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.0805% | 4,722 |
| Noncurrent loans to loans | 3.3714% | 2,110 |
| Net loans and leases to total assets | 31.2063% | 7,137 |
| Net loans and leases to deposits | 35.5064% | 7,183 |
| Net loans and leases to core deposits | 37.1708% | 7,192 |
| Total domestic deposits to total assets | 87.8894% | 2,219 |
| Equity capital to assets | 11.6192% | 2,395 |
| Core capital (leverage) ratio | 10.9845% | 2,261 |
| Tier 1 risk-based capital ratio | 23.1348% | 1,099 |
| Total risk-based capital ratio | 24.3908% | 1,081 |
| Memoranda: | ||
| Average total assets | $201,235,330 | 3,085 |
| Average earning assets | $186,178,000 | 3,045 |
| Average equity | $23,538,000 | 2,695 |
| Average total loans | $67,694,670 | 4,652 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 6,791 |
| Cost of funding earning assets | 0.5195% | 6,902 |
| Net interest margin | 3.4092% | 5,393 |
| Noninterest income to average assets | 0.6855% | 2,653 |
| Noninterest expense to average assets | 2.2764% | 6,249 |
| Loan and lease loss provision to assets | 0.6049% | 1,420 |
| Net operating income to assets | 0.8327% | 2,871 |
| Return on assets (ROA) | 0.8327% | 2,927 |
| Pretax return on assets | 0.9537% | 3,305 |
| Return on Equity (ROE) | 7.0948% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.0948% | 2,106 |
| Net charge-offs to loans | 1.0178% | 1,339 |
| Credit loss provision to net charge-offs | 172.4138% | 1,681 |
| Earnings coverage of net charge-offs (x) | 4.4425% | 2,479 |
| Efficiency ratio | 59.3586% | 6,072 |
| Assets per employee ($millions) | 4.0866% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1278% | 2,122 |
| Loan loss allowance to noncurrent loans | 69.2123% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 4,905 |
| Noncurrent loans to loans | 3.0744% | 2,440 |
| Net loans and leases to total assets | 31.8019% | 7,177 |
| Net loans and leases to deposits | 36.0556% | 7,225 |
| Net loans and leases to core deposits | 37.5099% | 7,233 |
| Total domestic deposits to total assets | 88.2024% | 2,262 |
| Equity capital to assets | 11.3034% | 2,413 |
| Core capital (leverage) ratio | 11.4483% | 1,876 |
| Tier 1 risk-based capital ratio | 22.2714% | 1,179 |
| Total risk-based capital ratio | 23.5237% | 1,154 |
| Memoranda: | ||
| Average total assets | $198,382,000 | 3,135 |
| Average earning assets | $183,267,500 | 3,094 |
| Average equity | $23,284,500 | 2,715 |
| Average total loans | $68,380,500 | 4,672 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9848% | 7,149 |
| Cost of funding earning assets | 0.6214% | 7,077 |
| Net interest margin | 3.3634% | 5,750 |
| Noninterest income to average assets | 0.8596% | 2,016 |
| Noninterest expense to average assets | 2.4857% | 5,850 |
| Loan and lease loss provision to assets | 0.7504% | 2,187 |
| Net operating income to assets | 0.6569% | 3,406 |
| Return on assets (ROA) | 0.6569% | 3,550 |
| Pretax return on assets | 0.6887% | 4,013 |
| Return on Equity (ROE) | 4.9511% | 4,091 |
| Retained earnings to average equity (ytd only) | 2.3407% | 4,240 |
| Net charge-offs to loans | 1.6634% | 1,303 |
| Credit loss provision to net charge-offs | 112.1657% | 3,897 |
| Earnings coverage of net charge-offs (x) | 2.1510% | 4,104 |
| Efficiency ratio | 63.3328% | 5,455 |
| Assets per employee ($millions) | 3.6931% | 4,482 |
| Cash dividends to net income (ytd only)* | 52.7241% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 2,550 |
| Loan loss allowance to noncurrent loans | 55.3218% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.2620% | 4,509 |
| Noncurrent loans to loans | 3.4429% | 2,203 |
| Net loans and leases to total assets | 35.9572% | 7,157 |
| Net loans and leases to deposits | 41.1953% | 7,217 |
| Net loans and leases to core deposits | 42.6059% | 7,240 |
| Total domestic deposits to total assets | 87.2848% | 2,679 |
| Equity capital to assets | 12.2172% | 1,780 |
| Core capital (leverage) ratio | 12.3579% | 1,370 |
| Tier 1 risk-based capital ratio | 22.6206% | 1,087 |
| Total risk-based capital ratio | 23.8715% | 1,071 |
| Memoranda: | ||
| Average total assets | $173,230,000 | 3,480 |
| Average earning assets | $157,874,400 | 3,489 |
| Average equity | $22,984,800 | 2,764 |
| Average total loans | $69,678,400 | 4,699 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 7,206 |
| Cost of funding earning assets | 0.6421% | 7,196 |
| Net interest margin | 3.4521% | 5,485 |
| Noninterest income to average assets | 0.8876% | 1,842 |
| Noninterest expense to average assets | 2.4620% | 5,850 |
| Loan and lease loss provision to assets | 0.7082% | 2,159 |
| Net operating income to assets | 0.6940% | 3,443 |
| Return on assets (ROA) | 0.6940% | 3,602 |
| Pretax return on assets | 0.8521% | 3,724 |
| Return on Equity (ROE) | 5.1178% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.1178% | 2,901 |
| Net charge-offs to loans | 1.6609% | 1,189 |
| Credit loss provision to net charge-offs | 103.4483% | 4,144 |
| Earnings coverage of net charge-offs (x) | 2.2793% | 4,027 |
| Efficiency ratio | 61.2089% | 5,752 |
| Assets per employee ($millions) | 3.5509% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7710% | 2,891 |
| Loan loss allowance to noncurrent loans | 47.3457% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 1.4323% | 4,305 |
| Noncurrent loans to loans | 3.7406% | 2,067 |
| Net loans and leases to total assets | 37.6134% | 7,198 |
| Net loans and leases to deposits | 43.7102% | 7,252 |
| Net loans and leases to core deposits | 44.2915% | 7,311 |
| Total domestic deposits to total assets | 86.0518% | 3,052 |
| Equity capital to assets | 13.4080% | 1,388 |
| Core capital (leverage) ratio | 12.9695% | 1,244 |
| Tier 1 risk-based capital ratio | 23.8010% | 970 |
| Total risk-based capital ratio | 25.0513% | 947 |
| Memoranda: | ||
| Average total assets | $169,450,250 | 3,592 |
| Average earning assets | $153,875,250 | 3,627 |
| Average equity | $22,978,250 | 2,812 |
| Average total loans | $69,838,000 | 4,762 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1569% | 7,225 |
| Cost of funding earning assets | 0.6503% | 7,295 |
| Net interest margin | 3.5066% | 5,219 |
| Noninterest income to average assets | 0.8995% | 1,691 |
| Noninterest expense to average assets | 2.4815% | 5,788 |
| Loan and lease loss provision to assets | 0.7196% | 2,024 |
| Net operating income to assets | 0.7148% | 3,332 |
| Return on assets (ROA) | 0.7148% | 3,488 |
| Pretax return on assets | 0.8803% | 3,576 |
| Return on Equity (ROE) | 5.2505% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.2505% | 2,750 |
| Net charge-offs to loans | 2.3192% | 764 |
| Credit loss provision to net charge-offs | 73.4394% | 4,878 |
| Earnings coverage of net charge-offs (x) | 1.6328% | 4,277 |
| Efficiency ratio | 60.7993% | 5,896 |
| Assets per employee ($millions) | 3.3083% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 4,475 |
| Loan loss allowance to noncurrent loans | 35.8025% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 1.5843% | 4,084 |
| Noncurrent loans to loans | 3.8803% | 1,975 |
| Net loans and leases to total assets | 40.2613% | 7,148 |
| Net loans and leases to deposits | 46.9516% | 7,208 |
| Net loans and leases to core deposits | 47.7117% | 7,293 |
| Total domestic deposits to total assets | 85.7506% | 3,235 |
| Equity capital to assets | 13.6970% | 1,272 |
| Core capital (leverage) ratio | 13.2229% | 1,133 |
| Tier 1 risk-based capital ratio | 23.6979% | 973 |
| Total risk-based capital ratio | 24.7083% | 979 |
| Memoranda: | ||
| Average total assets | $166,752,670 | 3,657 |
| Average earning assets | $151,313,000 | 3,688 |
| Average equity | $22,702,670 | 2,836 |
| Average total loans | $70,456,000 | 4,779 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1605% | 7,304 |
| Cost of funding earning assets | 0.6516% | 7,433 |
| Net interest margin | 3.5089% | 5,118 |
| Noninterest income to average assets | 0.8928% | 1,655 |
| Noninterest expense to average assets | 2.5819% | 5,427 |
| Loan and lease loss provision to assets | 0.7239% | 1,758 |
| Net operating income to assets | 0.6201% | 3,804 |
| Return on assets (ROA) | 0.6201% | 3,939 |
| Pretax return on assets | 0.7577% | 4,033 |
| Return on Equity (ROE) | 4.5691% | 4,612 |
| Retained earnings to average equity (ytd only) | 4.5691% | 3,408 |
| Net charge-offs to loans | 2.6839% | 604 |
| Credit loss provision to net charge-offs | 62.7615% | 4,246 |
| Earnings coverage of net charge-offs (x) | 1.2845% | 3,980 |
| Efficiency ratio | 63.5392% | 5,582 |
| Assets per employee ($millions) | 3.3223% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 4,423 |
| Loan loss allowance to noncurrent loans | 29.1740% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 2.0149% | 3,484 |
| Noncurrent loans to loans | 4.7960% | 1,534 |
| Net loans and leases to total assets | 41.4242% | 7,158 |
| Net loans and leases to deposits | 48.0934% | 7,231 |
| Net loans and leases to core deposits | 48.8642% | 7,326 |
| Total domestic deposits to total assets | 86.1329% | 3,079 |
| Equity capital to assets | 13.3666% | 1,379 |
| Core capital (leverage) ratio | 13.4608% | 1,092 |
| Tier 1 risk-based capital ratio | 23.1391% | 1,049 |
| Total risk-based capital ratio | 24.1817% | 1,063 |
| Memoranda: | ||
| Average total assets | $165,767,500 | 3,736 |
| Average earning assets | $149,790,500 | 3,759 |
| Average equity | $22,499,000 | 2,878 |
| Average total loans | $71,240,500 | 4,811 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 7,282 |
| Cost of funding earning assets | 0.8004% | 7,551 |
| Net interest margin | 3.8057% | 3,683 |
| Noninterest income to average assets | 0.9045% | 1,926 |
| Noninterest expense to average assets | 2.7218% | 5,292 |
| Loan and lease loss provision to assets | 0.8864% | 2,529 |
| Net operating income to assets | 0.6798% | 3,016 |
| Return on assets (ROA) | 0.6798% | 3,072 |
| Pretax return on assets | 0.7454% | 3,425 |
| Return on Equity (ROE) | 4.9054% | 3,706 |
| Retained earnings to average equity (ytd only) | 2.2027% | 3,568 |
| Net charge-offs to loans | 1.2693% | 1,950 |
| Credit loss provision to net charge-offs | 154.6841% | 2,946 |
| Earnings coverage of net charge-offs (x) | 2.8475% | 3,665 |
| Efficiency ratio | 62.5179% | 6,053 |
| Assets per employee ($millions) | 3.1784% | 5,772 |
| Cash dividends to net income (ytd only)* | 55.0964% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6466% | 3,103 |
| Loan loss allowance to noncurrent loans | 91.7905% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.7890% | 5,524 |
| Noncurrent loans to loans | 1.7939% | 3,947 |
| Net loans and leases to total assets | 43.2596% | 7,163 |
| Net loans and leases to deposits | 50.4609% | 7,237 |
| Net loans and leases to core deposits | 55.3383% | 7,427 |
| Total domestic deposits to total assets | 85.7290% | 3,151 |
| Equity capital to assets | 13.7880% | 1,224 |
| Core capital (leverage) ratio | 14.0485% | 968 |
| Tier 1 risk-based capital ratio | 23.1915% | 1,025 |
| Total risk-based capital ratio | 24.4377% | 1,003 |
| Memoranda: | ||
| Average total assets | $160,190,200 | 3,773 |
| Average earning assets | $145,178,200 | 3,791 |
| Average equity | $22,200,000 | 2,926 |
| Average total loans | $72,323,200 | 4,790 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7092% | 7,270 |
| Cost of funding earning assets | 0.8422% | 7,636 |
| Net interest margin | 3.8669% | 3,352 |
| Noninterest income to average assets | 0.8991% | 1,981 |
| Noninterest expense to average assets | 2.6831% | 5,397 |
| Loan and lease loss provision to assets | 0.3924% | 3,961 |
| Net operating income to assets | 0.9634% | 2,182 |
| Return on assets (ROA) | 0.9634% | 2,241 |
| Pretax return on assets | 1.3307% | 1,873 |
| Return on Equity (ROE) | 6.9425% | 3,097 |
| Retained earnings to average equity (ytd only) | 6.9425% | 1,527 |
| Net charge-offs to loans | 1.4439% | 1,432 |
| Credit loss provision to net charge-offs | 59.7964% | 6,179 |
| Earnings coverage of net charge-offs (x) | 2.6260% | 3,905 |
| Efficiency ratio | 60.8943% | 6,293 |
| Assets per employee ($millions) | 2.9682% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5030% | 7,711 |
| Loan loss allowance to noncurrent loans | 41.4435% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 6,067 |
| Noncurrent loans to loans | 1.2138% | 4,917 |
| Net loans and leases to total assets | 45.6215% | 7,131 |
| Net loans and leases to deposits | 54.2668% | 7,193 |
| Net loans and leases to core deposits | 59.9078% | 7,404 |
| Total domestic deposits to total assets | 84.0689% | 3,696 |
| Equity capital to assets | 14.8232% | 1,060 |
| Core capital (leverage) ratio | 14.1741% | 1,050 |
| Tier 1 risk-based capital ratio | 24.5791% | 940 |
| Total risk-based capital ratio | 24.9678% | 1,005 |
| Memoranda: | ||
| Average total assets | $159,713,250 | 3,798 |
| Average earning assets | $144,847,750 | 3,819 |
| Average equity | $22,162,500 | 2,955 |
| Average total loans | $72,579,750 | 4,825 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 7,344 |
| Cost of funding earning assets | 0.8808% | 7,716 |
| Net interest margin | 3.8545% | 3,324 |
| Noninterest income to average assets | 0.8656% | 2,117 |
| Noninterest expense to average assets | 2.7108% | 5,345 |
| Loan and lease loss provision to assets | 0.2724% | 4,396 |
| Net operating income to assets | 0.9090% | 2,426 |
| Return on assets (ROA) | 0.9090% | 2,525 |
| Pretax return on assets | 1.3672% | 1,813 |
| Return on Equity (ROE) | 6.6960% | 3,335 |
| Retained earnings to average equity (ytd only) | 6.6960% | 1,696 |
| Net charge-offs to loans | -0.0574% | 7,871 |
| Credit loss provision to net charge-offs | -1,047.6190% | 7,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3114% | 6,201 |
| Assets per employee ($millions) | 3.0066% | 6,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 4,420 |
| Loan loss allowance to noncurrent loans | 77.5042% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.7256% | 5,596 |
| Noncurrent loans to loans | 1.6462% | 4,028 |
| Net loans and leases to total assets | 43.5142% | 7,360 |
| Net loans and leases to deposits | 50.7256% | 7,455 |
| Net loans and leases to core deposits | 56.2727% | 7,580 |
| Total domestic deposits to total assets | 85.7835% | 2,890 |
| Equity capital to assets | 13.6775% | 1,432 |
| Core capital (leverage) ratio | 13.5269% | 1,264 |
| Tier 1 risk-based capital ratio | 23.5177% | 1,083 |
| Total risk-based capital ratio | 24.4896% | 1,093 |
| Memoranda: | ||
| Average total assets | $161,502,330 | 3,793 |
| Average earning assets | $146,010,000 | 3,823 |
| Average equity | $21,923,670 | 2,979 |
| Average total loans | $73,182,670 | 4,832 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9106% | 7,151 |
| Cost of funding earning assets | 0.9202% | 7,789 |
| Net interest margin | 3.9904% | 2,685 |
| Noninterest income to average assets | 0.8245% | 2,204 |
| Noninterest expense to average assets | 2.7068% | 4,975 |
| Loan and lease loss provision to assets | 0.1117% | 5,536 |
| Net operating income to assets | 1.1448% | 1,824 |
| Return on assets (ROA) | 1.1448% | 1,948 |
| Pretax return on assets | 1.5918% | 1,429 |
| Return on Equity (ROE) | 8.4655% | 2,937 |
| Retained earnings to average equity (ytd only) | 8.4655% | 1,645 |
| Net charge-offs to loans | -0.0595% | 7,748 |
| Credit loss provision to net charge-offs | -409.0909% | 6,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3739% | 6,181 |
| Assets per employee ($millions) | 3.0784% | 5,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 6,128 |
| Loan loss allowance to noncurrent loans | 87.7108% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 5,944 |
| Noncurrent loans to loans | 1.1475% | 4,698 |
| Net loans and leases to total assets | 43.8860% | 7,347 |
| Net loans and leases to deposits | 51.0484% | 7,457 |
| Net loans and leases to core deposits | 56.2824% | 7,603 |
| Total domestic deposits to total assets | 85.9693% | 2,740 |
| Equity capital to assets | 13.4649% | 1,541 |
| Core capital (leverage) ratio | 13.5964% | 1,299 |
| Tier 1 risk-based capital ratio | 23.1005% | 1,182 |
| Total risk-based capital ratio | 23.8712% | 1,201 |
| Memoranda: | ||
| Average total assets | $161,076,500 | 3,813 |
| Average earning assets | $144,747,000 | 3,862 |
| Average equity | $21,782,500 | 3,002 |
| Average total loans | $73,994,000 | 4,831 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4581% | 7,382 |
| Cost of funding earning assets | 1.4386% | 7,696 |
| Net interest margin | 4.0195% | 3,026 |
| Noninterest income to average assets | 0.9993% | 1,584 |
| Noninterest expense to average assets | 2.8352% | 4,665 |
| Loan and lease loss provision to assets | 0.1302% | 5,703 |
| Net operating income to assets | 1.2031% | 1,757 |
| Return on assets (ROA) | 1.2031% | 1,695 |
| Pretax return on assets | 1.5937% | 1,397 |
| Return on Equity (ROE) | 8.6665% | 2,769 |
| Retained earnings to average equity (ytd only) | 3.9769% | 2,658 |
| Net charge-offs to loans | 0.1777% | 4,421 |
| Credit loss provision to net charge-offs | 170.9402% | 2,994 |
| Earnings coverage of net charge-offs (x) | 22.6325% | 1,461 |
| Efficiency ratio | 62.1876% | 5,918 |
| Assets per employee ($millions) | 3.0576% | 5,908 |
| Cash dividends to net income (ytd only)* | 54.1126% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8882% | 6,739 |
| Loan loss allowance to noncurrent loans | 80.0954% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 5,595 |
| Noncurrent loans to loans | 1.1090% | 4,335 |
| Net loans and leases to total assets | 47.1616% | 7,243 |
| Net loans and leases to deposits | 54.8469% | 7,390 |
| Net loans and leases to core deposits | 60.4679% | 7,564 |
| Total domestic deposits to total assets | 85.9877% | 2,410 |
| Equity capital to assets | 13.5827% | 1,576 |
| Core capital (leverage) ratio | 13.5708% | 1,362 |
| Tier 1 risk-based capital ratio | 22.1502% | 1,298 |
| Total risk-based capital ratio | 22.8471% | 1,337 |
| Memoranda: | ||
| Average total assets | $153,607,200 | 3,832 |
| Average earning assets | $136,037,200 | 3,929 |
| Average equity | $21,323,400 | 3,061 |
| Average total loans | $65,847,600 | 5,028 |