Home > American Bank & Trust Company, Inc. > Performance and Condition Ratios
American Bank & Trust Company, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3545% | 1,389 |
| Cost of funding earning assets | 2.5383% | 342 |
| Net interest margin | 2.8163% | 3,631 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 1.9856% | 3,666 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.7953% | 2,888 |
| Return on assets (ROA) | 0.7953% | 2,866 |
| Pretax return on assets | 1.0385% | 2,565 |
| Return on Equity (ROE) | 9.3300% | 2,681 |
| Retained earnings to average equity (ytd only) | 7.6534% | 1,655 |
| Net charge-offs to loans | 0.0083% | 2,354 |
| Credit loss provision to net charge-offs | 1,704.4444% | 262 |
| Earnings coverage of net charge-offs (x) | 178.2889% | 632 |
| Efficiency ratio | 63.3603% | 2,687 |
| Assets per employee ($millions) | 7.5617% | 1,691 |
| Cash dividends to net income (ytd only)* | 17.9953% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8302% | 3,891 |
| Loan loss allowance to noncurrent loans | 464.0713% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 2,569 |
| Noncurrent loans to loans | 0.1789% | 2,625 |
| Net loans and leases to total assets | 78.9300% | 769 |
| Net loans and leases to deposits | 92.0395% | 1,090 |
| Net loans and leases to core deposits | 115.5930% | 759 |
| Total domestic deposits to total assets | 85.7600% | 2,084 |
| Equity capital to assets | 8.4396% | 3,094 |
| Core capital (leverage) ratio | 10.0193% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6780% | 2,660 |
| Memoranda: | ||
| Average total assets | $698,719,200 | 1,314 |
| Average earning assets | $651,429,800 | 1,303 |
| Average equity | $59,542,000 | 1,401 |
| Average total loans | $540,497,000 | 1,166 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 1,479 |
| Cost of funding earning assets | 2.3609% | 358 |
| Net interest margin | 2.8258% | 3,682 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 1.9786% | 3,644 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.8364% | 2,913 |
| Return on assets (ROA) | 0.8364% | 2,891 |
| Pretax return on assets | 1.0942% | 2,581 |
| Return on Equity (ROE) | 9.7900% | 2,701 |
| Retained earnings to average equity (ytd only) | 8.0840% | 1,935 |
| Net charge-offs to loans | 0.0106% | 2,005 |
| Credit loss provision to net charge-offs | 1,369.0476% | 326 |
| Earnings coverage of net charge-offs (x) | 147.7857% | 735 |
| Efficiency ratio | 62.1317% | 2,696 |
| Assets per employee ($millions) | 7.4581% | 1,665 |
| Cash dividends to net income (ytd only)* | 17.4216% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 3,865 |
| Loan loss allowance to noncurrent loans | 524.1493% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 2,710 |
| Noncurrent loans to loans | 0.1628% | 2,733 |
| Net loans and leases to total assets | 77.5000% | 948 |
| Net loans and leases to deposits | 88.9344% | 1,309 |
| Net loans and leases to core deposits | 110.5871% | 851 |
| Total domestic deposits to total assets | 87.1400% | 1,846 |
| Equity capital to assets | 8.2000% | 2,923 |
| Core capital (leverage) ratio | 10.0438% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0351% | 2,599 |
| Memoranda: | ||
| Average total assets | $686,247,750 | 1,326 |
| Average earning assets | $639,285,750 | 1,310 |
| Average equity | $58,632,750 | 1,405 |
| Average total loans | $526,657,500 | 1,179 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 1,777 |
| Cost of funding earning assets | 2.1447% | 378 |
| Net interest margin | 2.7483% | 3,909 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.9700% | 3,657 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.6497% | 3,460 |
| Return on assets (ROA) | 0.6497% | 3,467 |
| Pretax return on assets | 0.8380% | 3,307 |
| Return on Equity (ROE) | 7.5000% | 3,363 |
| Retained earnings to average equity (ytd only) | 4.9380% | 2,955 |
| Net charge-offs to loans | -0.0112% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.6277% | 2,026 |
| Assets per employee ($millions) | 6.9754% | 1,944 |
| Cash dividends to net income (ytd only)* | 34.1375% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8604% | 3,875 |
| Loan loss allowance to noncurrent loans | 310.3634% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 2,120 |
| Noncurrent loans to loans | 0.2772% | 2,159 |
| Net loans and leases to total assets | 76.9500% | 954 |
| Net loans and leases to deposits | 85.3857% | 1,553 |
| Net loans and leases to core deposits | 103.9939% | 1,055 |
| Total domestic deposits to total assets | 90.1300% | 891 |
| Equity capital to assets | 8.5526% | 2,821 |
| Core capital (leverage) ratio | 10.2029% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4204% | 2,496 |
| Memoranda: | ||
| Average total assets | $676,338,333 | 1,336 |
| Average earning assets | $630,207,333 | 1,325 |
| Average equity | $58,607,000 | 1,414 |
| Average total loans | $515,660,333 | 1,188 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 1,710 |
| Cost of funding earning assets | 2.0052% | 294 |
| Net interest margin | 2.7588% | 4,002 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.9963% | 3,632 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.6120% | 3,668 |
| Return on assets (ROA) | 0.6120% | 3,624 |
| Pretax return on assets | 0.7848% | 3,493 |
| Return on Equity (ROE) | 7.0200% | 3,517 |
| Retained earnings to average equity (ytd only) | 5.3032% | 2,950 |
| Net charge-offs to loans | 0.0024% | 1,943 |
| Credit loss provision to net charge-offs | 6,833.3333% | 68 |
| Earnings coverage of net charge-offs (x) | 506.0000% | 224 |
| Efficiency ratio | 68.7526% | 1,890 |
| Assets per employee ($millions) | 7.3613% | 1,705 |
| Cash dividends to net income (ytd only)* | 24.4141% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8552% | 3,973 |
| Loan loss allowance to noncurrent loans | 371.6709% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 2,244 |
| Noncurrent loans to loans | 0.2301% | 2,350 |
| Net loans and leases to total assets | 75.0100% | 1,079 |
| Net loans and leases to deposits | 83.1289% | 1,566 |
| Net loans and leases to core deposits | 99.1471% | 1,128 |
| Total domestic deposits to total assets | 90.2300% | 1,076 |
| Equity capital to assets | 8.7367% | 2,707 |
| Core capital (leverage) ratio | 10.2033% | 2,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6164% | 2,530 |
| Memoranda: | ||
| Average total assets | $669,227,000 | 1,364 |
| Average earning assets | $623,172,500 | 1,357 |
| Average equity | $58,380,000 | 1,423 |
| Average total loans | $505,477,000 | 1,217 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9510% | 1,851 |
| Cost of funding earning assets | 0.7850% | 411 |
| Net interest margin | 3.1661% | 2,967 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.9502% | 3,715 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.9084% | 2,925 |
| Return on assets (ROA) | 0.9084% | 2,865 |
| Pretax return on assets | 1.2389% | 2,311 |
| Return on Equity (ROE) | 9.7700% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.5165% | 1,637 |
| Net charge-offs to loans | 0.0002% | 2,612 |
| Credit loss provision to net charge-offs | 94,900.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 8,905.0000% | 12 |
| Efficiency ratio | 58.4442% | 3,273 |
| Assets per employee ($millions) | 7.0342% | 1,946 |
| Cash dividends to net income (ytd only)* | 12.8557% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 3,699 |
| Loan loss allowance to noncurrent loans | 312.9693% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 1,999 |
| Noncurrent loans to loans | 0.2938% | 2,086 |
| Net loans and leases to total assets | 74.7100% | 1,153 |
| Net loans and leases to deposits | 84.3612% | 1,438 |
| Net loans and leases to core deposits | 100.3973% | 980 |
| Total domestic deposits to total assets | 88.5600% | 1,861 |
| Equity capital to assets | 8.7099% | 2,555 |
| Core capital (leverage) ratio | 10.3442% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7166% | 2,483 |
| Memoranda: | ||
| Average total assets | $642,206,800 | 1,400 |
| Average earning assets | $596,831,600 | 1,391 |
| Average equity | $59,696,200 | 1,409 |
| Average total loans | $432,621,000 | 1,310 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7427% | 1,914 |
| Cost of funding earning assets | 0.5392% | 607 |
| Net interest margin | 3.2035% | 2,611 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.9151% | 3,715 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 0.9713% | 2,587 |
| Return on assets (ROA) | 0.9713% | 2,555 |
| Pretax return on assets | 1.3125% | 2,004 |
| Return on Equity (ROE) | 10.2800% | 2,638 |
| Retained earnings to average equity (ytd only) | 9.1746% | 1,591 |
| Net charge-offs to loans | -0.0090% | 3,667 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.8025% | 3,540 |
| Assets per employee ($millions) | 6.6668% | 2,183 |
| Cash dividends to net income (ytd only)* | 10.7666% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 3,858 |
| Loan loss allowance to noncurrent loans | 283.4005% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 2,067 |
| Noncurrent loans to loans | 0.3171% | 2,106 |
| Net loans and leases to total assets | 72.6600% | 1,216 |
| Net loans and leases to deposits | 82.9892% | 1,363 |
| Net loans and leases to core deposits | 88.3467% | 1,397 |
| Total domestic deposits to total assets | 87.5600% | 2,572 |
| Equity capital to assets | 9.5083% | 1,876 |
| Core capital (leverage) ratio | 10.5663% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2318% | 2,379 |
| Memoranda: | ||
| Average total assets | $637,455,750 | 1,416 |
| Average earning assets | $592,678,000 | 1,408 |
| Average equity | $60,222,500 | 1,418 |
| Average total loans | $416,134,250 | 1,340 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4545% | 2,283 |
| Cost of funding earning assets | 0.5129% | 481 |
| Net interest margin | 2.9417% | 3,057 |
| Noninterest income to average assets | 0.3801% | 2,873 |
| Noninterest expense to average assets | 1.8775% | 3,763 |
| Loan and lease loss provision to assets | 0.1166% | 862 |
| Net operating income to assets | 0.8379% | 2,830 |
| Return on assets (ROA) | 0.8379% | 2,801 |
| Pretax return on assets | 1.1323% | 2,296 |
| Return on Equity (ROE) | 8.8882% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.0551% | 1,597 |
| Net charge-offs to loans | -0.0241% | 3,958 |
| Credit loss provision to net charge-offs | -772.9167% | 3,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0543% | 3,287 |
| Assets per employee ($millions) | 6.9773% | 1,955 |
| Cash dividends to net income (ytd only)* | 9.3738% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 3,974 |
| Loan loss allowance to noncurrent loans | 255.3094% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 2,137 |
| Noncurrent loans to loans | 0.3493% | 2,101 |
| Net loans and leases to total assets | 67.1203% | 1,565 |
| Net loans and leases to deposits | 74.8367% | 1,774 |
| Net loans and leases to core deposits | 78.6800% | 1,805 |
| Total domestic deposits to total assets | 89.6889% | 1,849 |
| Equity capital to assets | 8.9792% | 2,397 |
| Core capital (leverage) ratio | 10.2072% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7470% | 2,180 |
| Memoranda: | ||
| Average total assets | $636,604,667 | 1,418 |
| Average earning assets | $594,289,333 | 1,420 |
| Average equity | $60,012,000 | 1,438 |
| Average total loans | $398,426,333 | 1,385 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1971% | 2,699 |
| Cost of funding earning assets | 0.4933% | 515 |
| Net interest margin | 2.7038% | 3,390 |
| Noninterest income to average assets | 0.3908% | 2,756 |
| Noninterest expense to average assets | 1.8342% | 3,859 |
| Loan and lease loss provision to assets | 0.0685% | 1,198 |
| Net operating income to assets | 0.7626% | 2,806 |
| Return on assets (ROA) | 0.7626% | 2,797 |
| Pretax return on assets | 1.0304% | 2,350 |
| Return on Equity (ROE) | 7.8968% | 2,725 |
| Retained earnings to average equity (ytd only) | 6.2544% | 2,155 |
| Net charge-offs to loans | -0.0222% | 3,968 |
| Credit loss provision to net charge-offs | -514.2857% | 3,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5352% | 3,202 |
| Assets per employee ($millions) | 7.3470% | 1,776 |
| Cash dividends to net income (ytd only)* | 20.7987% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 3,946 |
| Loan loss allowance to noncurrent loans | 213.7809% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 2,094 |
| Noncurrent loans to loans | 0.4369% | 1,935 |
| Net loans and leases to total assets | 59.5544% | 2,109 |
| Net loans and leases to deposits | 66.5079% | 2,294 |
| Net loans and leases to core deposits | 70.5352% | 2,245 |
| Total domestic deposits to total assets | 89.5449% | 1,789 |
| Equity capital to assets | 9.1775% | 2,547 |
| Core capital (leverage) ratio | 10.0587% | 2,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7721% | 1,887 |
| Memoranda: | ||
| Average total assets | $630,464,000 | 1,433 |
| Average earning assets | $592,784,500 | 1,425 |
| Average equity | $60,885,500 | 1,460 |
| Average total loans | $377,913,000 | 1,435 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3988% | 2,935 |
| Cost of funding earning assets | 0.7669% | 239 |
| Net interest margin | 2.6319% | 3,994 |
| Noninterest income to average assets | 0.4644% | 2,751 |
| Noninterest expense to average assets | 1.9514% | 3,809 |
| Loan and lease loss provision to assets | 0.0391% | 2,260 |
| Net operating income to assets | 0.7020% | 3,623 |
| Return on assets (ROA) | 0.7050% | 3,668 |
| Pretax return on assets | 0.9468% | 3,386 |
| Return on Equity (ROE) | 8.2414% | 3,146 |
| Retained earnings to average equity (ytd only) | 6.2450% | 2,254 |
| Net charge-offs to loans | 0.0377% | 1,498 |
| Credit loss provision to net charge-offs | 167.1533% | 1,422 |
| Earnings coverage of net charge-offs (x) | 41.9781% | 1,409 |
| Efficiency ratio | 66.5192% | 2,189 |
| Assets per employee ($millions) | 7.2281% | 1,776 |
| Cash dividends to net income (ytd only)* | 24.2248% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 3,922 |
| Loan loss allowance to noncurrent loans | 231.2417% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 2,329 |
| Noncurrent loans to loans | 0.4124% | 2,119 |
| Net loans and leases to total assets | 59.1893% | 2,246 |
| Net loans and leases to deposits | 67.4171% | 2,363 |
| Net loans and leases to core deposits | 71.0196% | 2,353 |
| Total domestic deposits to total assets | 87.7957% | 2,153 |
| Equity capital to assets | 10.1621% | 2,511 |
| Core capital (leverage) ratio | 10.2079% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4134% | 1,710 |
| Memoranda: | ||
| Average total assets | $585,534,200 | 1,484 |
| Average earning assets | $549,339,200 | 1,472 |
| Average equity | $50,088,400 | 1,762 |
| Average total loans | $362,926,800 | 1,484 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4119% | 3,069 |
| Cost of funding earning assets | 0.8193% | 222 |
| Net interest margin | 2.5926% | 4,141 |
| Noninterest income to average assets | 0.4512% | 2,833 |
| Noninterest expense to average assets | 1.9560% | 3,797 |
| Loan and lease loss provision to assets | 0.0527% | 1,933 |
| Net operating income to assets | 0.6507% | 3,898 |
| Return on assets (ROA) | 0.6548% | 3,937 |
| Pretax return on assets | 0.8768% | 3,747 |
| Return on Equity (ROE) | 8.0562% | 3,381 |
| Retained earnings to average equity (ytd only) | 5.9287% | 2,856 |
| Net charge-offs to loans | 0.0549% | 1,106 |
| Credit loss provision to net charge-offs | 153.6913% | 1,346 |
| Earnings coverage of net charge-offs (x) | 26.9128% | 1,587 |
| Efficiency ratio | 67.9046% | 1,848 |
| Assets per employee ($millions) | 6.9390% | 1,914 |
| Cash dividends to net income (ytd only)* | 26.4085% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 4,050 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 2,349 |
| Noncurrent loans to loans | 0.4676% | 2,156 |
| Net loans and leases to total assets | 60.5109% | 2,193 |
| Net loans and leases to deposits | 68.9356% | 2,339 |
| Net loans and leases to core deposits | 73.0430% | 2,313 |
| Total domestic deposits to total assets | 87.7788% | 1,961 |
| Equity capital to assets | 10.1001% | 2,804 |
| Core capital (leverage) ratio | 10.3157% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2196% | 1,890 |
| Memoranda: | ||
| Average total assets | $578,320,250 | 1,513 |
| Average earning assets | $541,888,250 | 1,509 |
| Average equity | $47,001,750 | 1,878 |
| Average total loans | $361,870,000 | 1,513 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3655% | 3,278 |
| Cost of funding earning assets | 0.8609% | 219 |
| Net interest margin | 2.5046% | 4,295 |
| Noninterest income to average assets | 0.4965% | 2,634 |
| Noninterest expense to average assets | 2.0192% | 3,637 |
| Loan and lease loss provision to assets | 0.0419% | 2,171 |
| Net operating income to assets | 0.5638% | 4,065 |
| Return on assets (ROA) | 0.5638% | 4,117 |
| Pretax return on assets | 0.7830% | 3,904 |
| Return on Equity (ROE) | 7.5990% | 3,504 |
| Retained earnings to average equity (ytd only) | 5.2243% | 3,108 |
| Net charge-offs to loans | 0.0815% | 854 |
| Credit loss provision to net charge-offs | 81.5068% | 1,482 |
| Earnings coverage of net charge-offs (x) | 16.0342% | 1,617 |
| Efficiency ratio | 70.9949% | 1,526 |
| Assets per employee ($millions) | 6.8842% | 1,886 |
| Cash dividends to net income (ytd only)* | 31.2500% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 4,048 |
| Loan loss allowance to noncurrent loans | 274.5130% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 2,888 |
| Noncurrent loans to loans | 0.3406% | 2,691 |
| Net loans and leases to total assets | 61.2389% | 2,276 |
| Net loans and leases to deposits | 67.6706% | 2,650 |
| Net loans and leases to core deposits | 71.4541% | 2,652 |
| Total domestic deposits to total assets | 90.4956% | 558 |
| Equity capital to assets | 7.2932% | 4,786 |
| Core capital (leverage) ratio | 7.2889% | 4,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9168% | 3,083 |
| Memoranda: | ||
| Average total assets | $567,550,667 | 1,531 |
| Average earning assets | $531,979,667 | 1,522 |
| Average equity | $42,111,000 | 2,027 |
| Average total loans | $358,165,000 | 1,530 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2485% | 3,582 |
| Cost of funding earning assets | 0.8895% | 235 |
| Net interest margin | 2.3590% | 4,460 |
| Noninterest income to average assets | 0.5255% | 2,500 |
| Noninterest expense to average assets | 2.1183% | 3,365 |
| Loan and lease loss provision to assets | 0.0387% | 2,261 |
| Net operating income to assets | 0.4202% | 4,325 |
| Return on assets (ROA) | 0.4202% | 4,355 |
| Pretax return on assets | 0.5842% | 4,213 |
| Return on Equity (ROE) | 5.6135% | 3,962 |
| Retained earnings to average equity (ytd only) | 4.1790% | 3,451 |
| Net charge-offs to loans | -0.0101% | 3,669 |
| Credit loss provision to net charge-offs | -600.0000% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2787% | 1,019 |
| Assets per employee ($millions) | 6.9629% | 1,827 |
| Cash dividends to net income (ytd only)* | 25.5537% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 4,006 |
| Loan loss allowance to noncurrent loans | 216.5939% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 2,727 |
| Noncurrent loans to loans | 0.4407% | 2,537 |
| Net loans and leases to total assets | 63.8839% | 2,060 |
| Net loans and leases to deposits | 70.6533% | 2,442 |
| Net loans and leases to core deposits | 75.3027% | 2,405 |
| Total domestic deposits to total assets | 90.4187% | 613 |
| Equity capital to assets | 7.4086% | 4,743 |
| Core capital (leverage) ratio | 7.5234% | 4,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0558% | 3,057 |
| Memoranda: | ||
| Average total assets | $558,746,500 | 1,539 |
| Average earning assets | $524,797,500 | 1,527 |
| Average equity | $41,828,000 | 2,026 |
| Average total loans | $356,384,000 | 1,541 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 1,690 |
| Cost of funding earning assets | 1.1993% | 277 |
| Net interest margin | 3.1617% | 3,461 |
| Noninterest income to average assets | 0.4801% | 2,726 |
| Noninterest expense to average assets | 2.1543% | 3,806 |
| Loan and lease loss provision to assets | 0.0509% | 3,740 |
| Net operating income to assets | 0.9748% | 2,382 |
| Return on assets (ROA) | 0.9793% | 2,508 |
| Pretax return on assets | 1.2396% | 2,196 |
| Return on Equity (ROE) | 12.0680% | 1,302 |
| Retained earnings to average equity (ytd only) | 9.8717% | 612 |
| Net charge-offs to loans | 0.0713% | 1,773 |
| Credit loss provision to net charge-offs | 98.0392% | 2,863 |
| Earnings coverage of net charge-offs (x) | 24.7373% | 1,764 |
| Efficiency ratio | 62.6414% | 3,028 |
| Assets per employee ($millions) | 6.5892% | 1,858 |
| Cash dividends to net income (ytd only)* | 18.1988% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 3,956 |
| Loan loss allowance to noncurrent loans | 236.0111% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 2,869 |
| Noncurrent loans to loans | 0.4138% | 2,739 |
| Net loans and leases to total assets | 62.4368% | 2,551 |
| Net loans and leases to deposits | 69.8581% | 2,892 |
| Net loans and leases to core deposits | 75.6142% | 2,761 |
| Total domestic deposits to total assets | 89.3766% | 817 |
| Equity capital to assets | 7.5650% | 4,828 |
| Core capital (leverage) ratio | 7.8277% | 4,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2259% | 3,057 |
| Memoranda: | ||
| Average total assets | $490,970,400 | 1,579 |
| Average earning assets | $459,501,600 | 1,562 |
| Average equity | $39,841,000 | 2,026 |
| Average total loans | $357,402,800 | 1,489 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6285% | 1,231 |
| Cost of funding earning assets | 1.2753% | 275 |
| Net interest margin | 3.3532% | 3,036 |
| Noninterest income to average assets | 0.4724% | 2,731 |
| Noninterest expense to average assets | 2.1556% | 3,796 |
| Loan and lease loss provision to assets | 0.0701% | 3,452 |
| Net operating income to assets | 1.0928% | 2,003 |
| Return on assets (ROA) | 1.0990% | 2,111 |
| Pretax return on assets | 1.3913% | 1,765 |
| Return on Equity (ROE) | 13.2811% | 1,036 |
| Retained earnings to average equity (ytd only) | 11.5014% | 496 |
| Net charge-offs to loans | 0.0575% | 1,787 |
| Credit loss provision to net charge-offs | 161.2903% | 2,259 |
| Earnings coverage of net charge-offs (x) | 33.4323% | 1,501 |
| Efficiency ratio | 59.7264% | 3,424 |
| Assets per employee ($millions) | 6.0798% | 2,201 |
| Cash dividends to net income (ytd only)* | 13.3997% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 3,867 |
| Loan loss allowance to noncurrent loans | 222.8717% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 2,792 |
| Noncurrent loans to loans | 0.4283% | 2,772 |
| Net loans and leases to total assets | 71.2703% | 1,777 |
| Net loans and leases to deposits | 80.4696% | 2,269 |
| Net loans and leases to core deposits | 88.6071% | 2,091 |
| Total domestic deposits to total assets | 88.5680% | 950 |
| Equity capital to assets | 8.0710% | 4,687 |
| Core capital (leverage) ratio | 8.0399% | 4,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0371% | 3,091 |
| Memoranda: | ||
| Average total assets | $475,339,000 | 1,602 |
| Average earning assets | $444,656,000 | 1,595 |
| Average equity | $39,333,250 | 2,038 |
| Average total loans | $359,505,250 | 1,475 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9457% | 900 |
| Cost of funding earning assets | 1.3405% | 299 |
| Net interest margin | 3.6052% | 2,467 |
| Noninterest income to average assets | 0.4461% | 2,822 |
| Noninterest expense to average assets | 2.1672% | 3,884 |
| Loan and lease loss provision to assets | 0.0949% | 3,085 |
| Net operating income to assets | 1.2348% | 1,533 |
| Return on assets (ROA) | 1.2443% | 1,627 |
| Pretax return on assets | 1.5752% | 1,278 |
| Return on Equity (ROE) | 14.9026% | 727 |
| Retained earnings to average equity (ytd only) | 12.1897% | 438 |
| Net charge-offs to loans | 0.0392% | 1,958 |
| Credit loss provision to net charge-offs | 314.2857% | 1,579 |
| Earnings coverage of net charge-offs (x) | 54.9000% | 1,031 |
| Efficiency ratio | 56.6546% | 3,867 |
| Assets per employee ($millions) | 6.3004% | 1,947 |
| Cash dividends to net income (ytd only)* | 18.2039% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 3,769 |
| Loan loss allowance to noncurrent loans | 170.8873% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 2,641 |
| Noncurrent loans to loans | 0.5597% | 2,487 |
| Net loans and leases to total assets | 73.2018% | 1,529 |
| Net loans and leases to deposits | 82.6386% | 2,130 |
| Net loans and leases to core deposits | 92.2236% | 1,879 |
| Total domestic deposits to total assets | 88.5807% | 912 |
| Equity capital to assets | 7.9813% | 4,726 |
| Core capital (leverage) ratio | 8.1084% | 4,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8471% | 3,178 |
| Memoranda: | ||
| Average total assets | $463,550,333 | 1,617 |
| Average earning assets | $434,479,667 | 1,599 |
| Average equity | $38,704,667 | 2,053 |
| Average total loans | $356,844,000 | 1,466 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 1,242 |
| Cost of funding earning assets | 1.4311% | 344 |
| Net interest margin | 3.4497% | 3,147 |
| Noninterest income to average assets | 0.3871% | 3,191 |
| Noninterest expense to average assets | 2.2305% | 3,929 |
| Loan and lease loss provision to assets | 0.1002% | 2,431 |
| Net operating income to assets | 1.0177% | 2,123 |
| Return on assets (ROA) | 1.0376% | 2,146 |
| Pretax return on assets | 1.3138% | 1,834 |
| Return on Equity (ROE) | 12.1234% | 1,071 |
| Retained earnings to average equity (ytd only) | 8.4337% | 1,116 |
| Net charge-offs to loans | -0.0115% | 4,118 |
| Credit loss provision to net charge-offs | -1,110.0000% | 3,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6305% | 3,538 |
| Assets per employee ($millions) | 5.6281% | 1,995 |
| Cash dividends to net income (ytd only)* | 30.4348% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 3,633 |
| Loan loss allowance to noncurrent loans | 162.6495% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 2,354 |
| Noncurrent loans to loans | 0.6233% | 2,433 |
| Net loans and leases to total assets | 76.6862% | 1,186 |
| Net loans and leases to deposits | 87.4115% | 1,816 |
| Net loans and leases to core deposits | 98.8101% | 1,570 |
| Total domestic deposits to total assets | 87.7301% | 1,217 |
| Equity capital to assets | 8.5697% | 4,802 |
| Core capital (leverage) ratio | 8.5606% | 4,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4342% | 3,242 |
| Memoranda: | ||
| Average total assets | $443,310,000 | 1,636 |
| Average earning assets | $415,341,000 | 1,619 |
| Average equity | $37,943,000 | 2,071 |
| Average total loans | $349,004,500 | 1,456 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 1,112 |
| Cost of funding earning assets | 1.5129% | 380 |
| Net interest margin | 3.6352% | 3,016 |
| Noninterest income to average assets | 0.5140% | 2,655 |
| Noninterest expense to average assets | 2.3402% | 3,848 |
| Loan and lease loss provision to assets | 0.1727% | 1,210 |
| Net operating income to assets | 1.1289% | 2,343 |
| Return on assets (ROA) | 1.1293% | 2,433 |
| Pretax return on assets | 1.4350% | 2,029 |
| Return on Equity (ROE) | 13.3113% | 1,071 |
| Retained earnings to average equity (ytd only) | 11.3126% | 294 |
| Net charge-offs to loans | 0.1022% | 1,705 |
| Credit loss provision to net charge-offs | 206.0694% | 1,289 |
| Earnings coverage of net charge-offs (x) | 19.1763% | 2,016 |
| Efficiency ratio | 59.2845% | 3,799 |
| Assets per employee ($millions) | 5.2575% | 2,280 |
| Cash dividends to net income (ytd only)* | 15.0150% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 3,618 |
| Loan loss allowance to noncurrent loans | 417.8703% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 3,427 |
| Noncurrent loans to loans | 0.2340% | 3,612 |
| Net loans and leases to total assets | 79.2400% | 891 |
| Net loans and leases to deposits | 91.4015% | 1,444 |
| Net loans and leases to core deposits | 104.2247% | 1,215 |
| Total domestic deposits to total assets | 86.6944% | 1,755 |
| Equity capital to assets | 8.5480% | 4,892 |
| Core capital (leverage) ratio | 8.4991% | 4,849 |
| Tier 1 risk-based capital ratio | 10.3965% | 5,047 |
| Total risk-based capital ratio | 11.3553% | 5,064 |
| Memoranda: | ||
| Average total assets | $412,829,200 | 1,701 |
| Average earning assets | $389,906,400 | 1,664 |
| Average equity | $35,022,800 | 2,136 |
| Average total loans | $338,604,600 | 1,464 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1600% | 1,128 |
| Cost of funding earning assets | 1.5177% | 387 |
| Net interest margin | 3.6423% | 3,123 |
| Noninterest income to average assets | 0.5177% | 2,623 |
| Noninterest expense to average assets | 2.3642% | 3,781 |
| Loan and lease loss provision to assets | 0.1877% | 962 |
| Net operating income to assets | 1.1102% | 2,537 |
| Return on assets (ROA) | 1.1107% | 2,621 |
| Pretax return on assets | 1.4134% | 2,253 |
| Return on Equity (ROE) | 13.1189% | 1,232 |
| Retained earnings to average equity (ytd only) | 11.0872% | 508 |
| Net charge-offs to loans | 0.1298% | 1,225 |
| Credit loss provision to net charge-offs | 175.2294% | 1,456 |
| Earnings coverage of net charge-offs (x) | 14.9388% | 2,224 |
| Efficiency ratio | 59.6314% | 3,703 |
| Assets per employee ($millions) | 5.3940% | 2,127 |
| Cash dividends to net income (ytd only)* | 15.4867% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 3,832 |
| Loan loss allowance to noncurrent loans | 409.0683% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 3,546 |
| Noncurrent loans to loans | 0.2321% | 3,714 |
| Net loans and leases to total assets | 80.6236% | 755 |
| Net loans and leases to deposits | 93.0081% | 1,322 |
| Net loans and leases to core deposits | 107.0317% | 1,109 |
| Total domestic deposits to total assets | 86.6845% | 1,689 |
| Equity capital to assets | 8.5097% | 4,998 |
| Core capital (leverage) ratio | 8.5604% | 4,916 |
| Tier 1 risk-based capital ratio | 10.2902% | 5,134 |
| Total risk-based capital ratio | 11.2335% | 5,141 |
| Memoranda: | ||
| Average total assets | $406,943,500 | 1,735 |
| Average earning assets | $385,134,750 | 1,700 |
| Average equity | $34,453,250 | 2,182 |
| Average total loans | $335,957,000 | 1,483 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 1,184 |
| Cost of funding earning assets | 1.5128% | 365 |
| Net interest margin | 3.6011% | 3,250 |
| Noninterest income to average assets | 0.5013% | 2,666 |
| Noninterest expense to average assets | 2.3977% | 3,737 |
| Loan and lease loss provision to assets | 0.2127% | 788 |
| Net operating income to assets | 1.0223% | 2,835 |
| Return on assets (ROA) | 1.0231% | 2,915 |
| Pretax return on assets | 1.3067% | 2,542 |
| Return on Equity (ROE) | 12.1062% | 1,537 |
| Retained earnings to average equity (ytd only) | 10.0383% | 743 |
| Net charge-offs to loans | 0.1294% | 1,167 |
| Credit loss provision to net charge-offs | 198.1395% | 1,224 |
| Earnings coverage of net charge-offs (x) | 14.1442% | 2,057 |
| Efficiency ratio | 61.2266% | 3,553 |
| Assets per employee ($millions) | 5.2209% | 2,235 |
| Cash dividends to net income (ytd only)* | 17.0815% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 3,856 |
| Loan loss allowance to noncurrent loans | 351.4563% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 3,650 |
| Noncurrent loans to loans | 0.2720% | 3,556 |
| Net loans and leases to total assets | 81.8305% | 630 |
| Net loans and leases to deposits | 94.3271% | 1,227 |
| Net loans and leases to core deposits | 109.5552% | 997 |
| Total domestic deposits to total assets | 86.7518% | 1,702 |
| Equity capital to assets | 8.4912% | 5,045 |
| Core capital (leverage) ratio | 8.5694% | 4,932 |
| Tier 1 risk-based capital ratio | 10.0530% | 5,219 |
| Total risk-based capital ratio | 10.9954% | 5,228 |
| Memoranda: | ||
| Average total assets | $400,549,000 | 1,756 |
| Average earning assets | $379,826,000 | 1,726 |
| Average equity | $33,850,330 | 2,206 |
| Average total loans | $332,325,330 | 1,502 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0557% | 1,204 |
| Cost of funding earning assets | 1.4978% | 327 |
| Net interest margin | 3.5579% | 3,404 |
| Noninterest income to average assets | 0.4886% | 2,621 |
| Noninterest expense to average assets | 2.4430% | 3,648 |
| Loan and lease loss provision to assets | 0.1804% | 920 |
| Net operating income to assets | 0.9660% | 2,987 |
| Return on assets (ROA) | 0.9660% | 3,025 |
| Pretax return on assets | 1.2458% | 2,647 |
| Return on Equity (ROE) | 11.4597% | 1,757 |
| Retained earnings to average equity (ytd only) | 9.3553% | 1,206 |
| Net charge-offs to loans | 0.1231% | 1,008 |
| Credit loss provision to net charge-offs | 176.2376% | 1,130 |
| Earnings coverage of net charge-offs (x) | 13.9307% | 1,821 |
| Efficiency ratio | 63.1386% | 3,367 |
| Assets per employee ($millions) | 5.0598% | 2,446 |
| Cash dividends to net income (ytd only)* | 18.3631% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9436% | 3,985 |
| Loan loss allowance to noncurrent loans | 399.3606% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 3,809 |
| Noncurrent loans to loans | 0.2363% | 3,729 |
| Net loans and leases to total assets | 82.0152% | 584 |
| Net loans and leases to deposits | 92.6312% | 1,325 |
| Net loans and leases to core deposits | 108.6965% | 1,008 |
| Total domestic deposits to total assets | 88.5395% | 1,067 |
| Equity capital to assets | 8.4514% | 5,019 |
| Core capital (leverage) ratio | 8.5076% | 5,004 |
| Tier 1 risk-based capital ratio | 10.0942% | 5,264 |
| Total risk-based capital ratio | 11.0259% | 5,285 |
| Memoranda: | ||
| Average total assets | $394,598,500 | 1,786 |
| Average earning assets | $374,940,000 | 1,752 |
| Average equity | $33,264,500 | 2,236 |
| Average total loans | $328,104,000 | 1,529 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 1,097 |
| Cost of funding earning assets | 1.1684% | 381 |
| Net interest margin | 3.8113% | 2,630 |
| Noninterest income to average assets | 0.4922% | 2,872 |
| Noninterest expense to average assets | 2.5652% | 3,426 |
| Loan and lease loss provision to assets | 0.0845% | 2,442 |
| Net operating income to assets | 1.1502% | 2,383 |
| Return on assets (ROA) | 1.1502% | 2,387 |
| Pretax return on assets | 1.4327% | 2,021 |
| Return on Equity (ROE) | 13.0596% | 1,323 |
| Retained earnings to average equity (ytd only) | 10.7205% | 483 |
| Net charge-offs to loans | 0.0068% | 3,443 |
| Credit loss provision to net charge-offs | 1,480.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 265.8500% | 362 |
| Efficiency ratio | 62.8364% | 3,374 |
| Assets per employee ($millions) | 5.1247% | 2,356 |
| Cash dividends to net income (ytd only)* | 17.9112% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 4,014 |
| Loan loss allowance to noncurrent loans | 398.6911% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 3,841 |
| Noncurrent loans to loans | 0.2349% | 3,742 |
| Net loans and leases to total assets | 82.7283% | 552 |
| Net loans and leases to deposits | 96.8342% | 990 |
| Net loans and leases to core deposits | 114.3689% | 765 |
| Total domestic deposits to total assets | 85.4330% | 2,461 |
| Equity capital to assets | 8.4080% | 4,983 |
| Core capital (leverage) ratio | 8.6215% | 4,944 |
| Tier 1 risk-based capital ratio | 10.0801% | 5,287 |
| Total risk-based capital ratio | 11.0089% | 5,314 |
| Memoranda: | ||
| Average total assets | $350,453,800 | 1,918 |
| Average earning assets | $330,121,200 | 1,890 |
| Average equity | $30,866,200 | 2,293 |
| Average total loans | $293,269,800 | 1,623 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9378% | 1,075 |
| Cost of funding earning assets | 1.0510% | 479 |
| Net interest margin | 3.8868% | 2,351 |
| Noninterest income to average assets | 0.5013% | 2,857 |
| Noninterest expense to average assets | 2.6369% | 3,174 |
| Loan and lease loss provision to assets | 0.1104% | 1,832 |
| Net operating income to assets | 1.1333% | 2,518 |
| Return on assets (ROA) | 1.1333% | 2,534 |
| Pretax return on assets | 1.4026% | 2,218 |
| Return on Equity (ROE) | 12.7031% | 1,538 |
| Retained earnings to average equity (ytd only) | 10.3037% | 824 |
| Net charge-offs to loans | 0.0065% | 3,199 |
| Credit loss provision to net charge-offs | 2,014.2857% | 205 |
| Earnings coverage of net charge-offs (x) | 276.0868% | 336 |
| Efficiency ratio | 63.5421% | 3,263 |
| Assets per employee ($millions) | 5.1148% | 2,321 |
| Cash dividends to net income (ytd only)* | 18.8882% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 3,977 |
| Loan loss allowance to noncurrent loans | 383.1021% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 3,900 |
| Noncurrent loans to loans | 0.2517% | 3,787 |
| Net loans and leases to total assets | 82.4334% | 639 |
| Net loans and leases to deposits | 96.4903% | 1,093 |
| Net loans and leases to core deposits | 103.9493% | 1,455 |
| Total domestic deposits to total assets | 85.4319% | 2,439 |
| Equity capital to assets | 8.3314% | 5,019 |
| Core capital (leverage) ratio | 8.9717% | 4,729 |
| Tier 1 risk-based capital ratio | 9.6626% | 5,424 |
| Total risk-based capital ratio | 10.5772% | 5,438 |
| Memoranda: | ||
| Average total assets | $340,698,250 | 1,960 |
| Average earning assets | $319,810,500 | 1,937 |
| Average equity | $30,396,000 | 2,322 |
| Average total loans | $285,274,000 | 1,664 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9077% | 1,003 |
| Cost of funding earning assets | 0.9499% | 585 |
| Net interest margin | 3.9579% | 2,009 |
| Noninterest income to average assets | 0.5017% | 2,855 |
| Noninterest expense to average assets | 2.7516% | 2,841 |
| Loan and lease loss provision to assets | 0.1640% | 1,126 |
| Net operating income to assets | 1.0558% | 2,781 |
| Return on assets (ROA) | 1.0558% | 2,774 |
| Pretax return on assets | 1.2868% | 2,565 |
| Return on Equity (ROE) | 11.5403% | 1,893 |
| Retained earnings to average equity (ytd only) | 9.0616% | 1,194 |
| Net charge-offs to loans | -0.0015% | 3,920 |
| Credit loss provision to net charge-offs | -13,450.0000% | 4,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4772% | 3,065 |
| Assets per employee ($millions) | 4.4172% | 3,257 |
| Cash dividends to net income (ytd only)* | 21.4781% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 3,718 |
| Loan loss allowance to noncurrent loans | 425.3147% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 3,992 |
| Noncurrent loans to loans | 0.2398% | 3,842 |
| Net loans and leases to total assets | 83.5242% | 522 |
| Net loans and leases to deposits | 98.5627% | 924 |
| Net loans and leases to core deposits | 104.8565% | 1,325 |
| Total domestic deposits to total assets | 84.7421% | 2,774 |
| Equity capital to assets | 8.6790% | 4,817 |
| Core capital (leverage) ratio | 9.3433% | 4,311 |
| Tier 1 risk-based capital ratio | 10.0736% | 5,415 |
| Total risk-based capital ratio | 11.0584% | 5,419 |
| Memoranda: | ||
| Average total assets | $328,098,670 | 2,017 |
| Average earning assets | $306,782,330 | 2,010 |
| Average equity | $30,016,670 | 2,351 |
| Average total loans | $275,350,000 | 1,713 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 961 |
| Cost of funding earning assets | 0.8915% | 624 |
| Net interest margin | 3.9656% | 1,828 |
| Noninterest income to average assets | 0.5034% | 2,776 |
| Noninterest expense to average assets | 2.8568% | 2,508 |
| Loan and lease loss provision to assets | 0.2473% | 604 |
| Net operating income to assets | 0.8660% | 3,428 |
| Return on assets (ROA) | 0.8660% | 3,443 |
| Pretax return on assets | 1.1108% | 3,136 |
| Return on Equity (ROE) | 9.2016% | 2,806 |
| Retained earnings to average equity (ytd only) | 6.5475% | 2,475 |
| Net charge-offs to loans | 0.0197% | 2,105 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 82.3846% | 693 |
| Efficiency ratio | 67.7798% | 2,869 |
| Assets per employee ($millions) | 4.1261% | 3,763 |
| Cash dividends to net income (ytd only)* | 28.8433% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,382 |
| Loan loss allowance to noncurrent loans | 78.1987% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.1882% | 1,286 |
| Noncurrent loans to loans | 1.4068% | 1,264 |
| Net loans and leases to total assets | 83.5301% | 488 |
| Net loans and leases to deposits | 94.2427% | 1,204 |
| Net loans and leases to core deposits | 100.4029% | 1,657 |
| Total domestic deposits to total assets | 88.6329% | 1,294 |
| Equity capital to assets | 9.3791% | 4,206 |
| Core capital (leverage) ratio | 9.5664% | 3,996 |
| Tier 1 risk-based capital ratio | 10.7051% | 5,284 |
| Total risk-based capital ratio | 11.7504% | 5,262 |
| Memoranda: | ||
| Average total assets | $315,462,000 | 2,103 |
| Average earning assets | $295,238,000 | 2,092 |
| Average equity | $29,690,500 | 2,392 |
| Average total loans | $263,929,000 | 1,774 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7613% | 1,053 |
| Cost of funding earning assets | 0.7606% | 788 |
| Net interest margin | 4.0007% | 1,753 |
| Noninterest income to average assets | 0.5799% | 2,551 |
| Noninterest expense to average assets | 2.8147% | 2,725 |
| Loan and lease loss provision to assets | 0.2523% | 735 |
| Net operating income to assets | 0.8231% | 3,065 |
| Return on assets (ROA) | 0.8231% | 3,106 |
| Pretax return on assets | 1.2607% | 2,504 |
| Return on Equity (ROE) | 8.5944% | 2,494 |
| Retained earnings to average equity (ytd only) | 6.8546% | 1,138 |
| Net charge-offs to loans | 0.2792% | 934 |
| Credit loss provision to net charge-offs | 110.9971% | 2,345 |
| Earnings coverage of net charge-offs (x) | 6.6569% | 3,155 |
| Efficiency ratio | 65.0393% | 3,440 |
| Assets per employee ($millions) | 4.0678% | 3,859 |
| Cash dividends to net income (ytd only)* | 20.2429% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,512 |
| Loan loss allowance to noncurrent loans | 262.5592% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 3,272 |
| Noncurrent loans to loans | 0.4065% | 3,308 |
| Net loans and leases to total assets | 81.9736% | 685 |
| Net loans and leases to deposits | 92.6623% | 1,427 |
| Net loans and leases to core deposits | 98.5681% | 1,822 |
| Total domestic deposits to total assets | 88.4649% | 1,265 |
| Equity capital to assets | 9.4449% | 4,274 |
| Core capital (leverage) ratio | 9.5118% | 4,035 |
| Tier 1 risk-based capital ratio | 11.2540% | 5,012 |
| Total risk-based capital ratio | 12.3020% | 5,001 |
| Memoranda: | ||
| Average total assets | $300,068,200 | 2,165 |
| Average earning assets | $281,097,800 | 2,150 |
| Average equity | $28,739,800 | 2,448 |
| Average total loans | $244,281,200 | 1,854 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7238% | 1,090 |
| Cost of funding earning assets | 0.7381% | 809 |
| Net interest margin | 3.9857% | 1,756 |
| Noninterest income to average assets | 0.6042% | 2,455 |
| Noninterest expense to average assets | 2.8137% | 2,684 |
| Loan and lease loss provision to assets | 0.2390% | 743 |
| Net operating income to assets | 0.8370% | 3,343 |
| Return on assets (ROA) | 0.8370% | 3,390 |
| Pretax return on assets | 1.2876% | 2,554 |
| Return on Equity (ROE) | 8.7067% | 2,759 |
| Retained earnings to average equity (ytd only) | 6.9542% | 1,715 |
| Net charge-offs to loans | 0.2922% | 729 |
| Credit loss provision to net charge-offs | 100.9488% | 2,257 |
| Earnings coverage of net charge-offs (x) | 6.4478% | 2,985 |
| Efficiency ratio | 64.8277% | 3,400 |
| Assets per employee ($millions) | 4.2353% | 3,587 |
| Cash dividends to net income (ytd only)* | 20.1289% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 3,750 |
| Loan loss allowance to noncurrent loans | 280.6653% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 3,546 |
| Noncurrent loans to loans | 0.3764% | 3,600 |
| Net loans and leases to total assets | 81.7820% | 729 |
| Net loans and leases to deposits | 91.1477% | 1,669 |
| Net loans and leases to core deposits | 96.6504% | 2,007 |
| Total domestic deposits to total assets | 89.7247% | 566 |
| Equity capital to assets | 9.4978% | 4,449 |
| Core capital (leverage) ratio | 9.6567% | 3,980 |
| Tier 1 risk-based capital ratio | 11.4399% | 4,993 |
| Total risk-based capital ratio | 12.4954% | 5,009 |
| Memoranda: | ||
| Average total assets | $296,780,750 | 2,200 |
| Average earning assets | $278,187,250 | 2,181 |
| Average equity | $28,529,000 | 2,478 |
| Average total loans | $240,470,000 | 1,891 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6936% | 1,072 |
| Cost of funding earning assets | 0.7251% | 784 |
| Net interest margin | 3.9685% | 1,716 |
| Noninterest income to average assets | 0.5638% | 2,638 |
| Noninterest expense to average assets | 2.8355% | 2,635 |
| Loan and lease loss provision to assets | 0.1961% | 943 |
| Net operating income to assets | 0.8174% | 3,315 |
| Return on assets (ROA) | 0.8174% | 3,366 |
| Pretax return on assets | 1.2575% | 2,541 |
| Return on Equity (ROE) | 8.4672% | 2,789 |
| Retained earnings to average equity (ytd only) | 6.6973% | 1,743 |
| Net charge-offs to loans | 0.3211% | 634 |
| Credit loss provision to net charge-offs | 75.9259% | 2,308 |
| Earnings coverage of net charge-offs (x) | 5.6270% | 2,806 |
| Efficiency ratio | 66.1090% | 3,329 |
| Assets per employee ($millions) | 4.0814% | 3,828 |
| Cash dividends to net income (ytd only)* | 20.9030% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,721 |
| Loan loss allowance to noncurrent loans | 249.6644% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 3,493 |
| Noncurrent loans to loans | 0.4301% | 3,473 |
| Net loans and leases to total assets | 79.4273% | 1,035 |
| Net loans and leases to deposits | 88.2024% | 1,959 |
| Net loans and leases to core deposits | 93.1543% | 2,230 |
| Total domestic deposits to total assets | 90.0512% | 521 |
| Equity capital to assets | 9.5482% | 4,363 |
| Core capital (leverage) ratio | 9.7253% | 3,868 |
| Tier 1 risk-based capital ratio | 11.7608% | 4,793 |
| Total risk-based capital ratio | 12.8271% | 4,793 |
| Memoranda: | ||
| Average total assets | $292,648,330 | 2,239 |
| Average earning assets | $274,714,000 | 2,202 |
| Average equity | $28,250,330 | 2,492 |
| Average total loans | $235,442,670 | 1,916 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 1,200 |
| Cost of funding earning assets | 0.7090% | 806 |
| Net interest margin | 3.8656% | 1,905 |
| Noninterest income to average assets | 0.5737% | 2,545 |
| Noninterest expense to average assets | 2.8782% | 2,523 |
| Loan and lease loss provision to assets | 0.2514% | 592 |
| Net operating income to assets | 0.7015% | 3,693 |
| Return on assets (ROA) | 0.7015% | 3,733 |
| Pretax return on assets | 1.0793% | 3,066 |
| Return on Equity (ROE) | 7.2255% | 3,308 |
| Retained earnings to average equity (ytd only) | 5.4370% | 2,638 |
| Net charge-offs to loans | 0.1173% | 1,232 |
| Credit loss provision to net charge-offs | 266.1765% | 849 |
| Earnings coverage of net charge-offs (x) | 14.0882% | 1,744 |
| Efficiency ratio | 68.3828% | 3,140 |
| Assets per employee ($millions) | 4.2542% | 3,580 |
| Cash dividends to net income (ytd only)* | 24.7525% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 3,057 |
| Loan loss allowance to noncurrent loans | 178.0596% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 3,082 |
| Noncurrent loans to loans | 0.6813% | 2,806 |
| Net loans and leases to total assets | 77.9008% | 1,151 |
| Net loans and leases to deposits | 86.5836% | 1,967 |
| Net loans and leases to core deposits | 91.5966% | 2,208 |
| Total domestic deposits to total assets | 89.9717% | 671 |
| Equity capital to assets | 9.6079% | 4,175 |
| Core capital (leverage) ratio | 9.7809% | 3,774 |
| Tier 1 risk-based capital ratio | 12.2231% | 4,566 |
| Total risk-based capital ratio | 13.4420% | 4,489 |
| Memoranda: | ||
| Average total assets | $287,959,500 | 2,269 |
| Average earning assets | $270,795,500 | 2,242 |
| Average equity | $27,956,500 | 2,520 |
| Average total loans | $231,916,500 | 1,943 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 1,288 |
| Cost of funding earning assets | 0.7381% | 667 |
| Net interest margin | 3.8581% | 2,107 |
| Noninterest income to average assets | 0.5370% | 2,993 |
| Noninterest expense to average assets | 2.8586% | 2,819 |
| Loan and lease loss provision to assets | 0.2104% | 1,076 |
| Net operating income to assets | 0.7423% | 3,574 |
| Return on assets (ROA) | 0.7423% | 3,690 |
| Pretax return on assets | 1.1351% | 2,948 |
| Return on Equity (ROE) | 8.0049% | 2,931 |
| Retained earnings to average equity (ytd only) | 6.1571% | 1,627 |
| Net charge-offs to loans | 0.1846% | 1,501 |
| Credit loss provision to net charge-offs | 145.4976% | 1,881 |
| Earnings coverage of net charge-offs (x) | 9.3033% | 2,765 |
| Efficiency ratio | 67.9954% | 3,231 |
| Assets per employee ($millions) | 4.2785% | 3,476 |
| Cash dividends to net income (ytd only)* | 23.0840% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 3,368 |
| Loan loss allowance to noncurrent loans | 179.6667% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 3,151 |
| Noncurrent loans to loans | 0.6456% | 2,918 |
| Net loans and leases to total assets | 81.3304% | 693 |
| Net loans and leases to deposits | 90.4911% | 1,631 |
| Net loans and leases to core deposits | 95.2413% | 1,986 |
| Total domestic deposits to total assets | 89.8767% | 695 |
| Equity capital to assets | 9.8131% | 3,925 |
| Core capital (leverage) ratio | 9.6331% | 3,927 |
| Tier 1 risk-based capital ratio | 12.1121% | 4,653 |
| Total risk-based capital ratio | 13.2872% | 4,591 |
| Memoranda: | ||
| Average total assets | $291,789,400 | 2,216 |
| Average earning assets | $277,341,000 | 2,172 |
| Average equity | $27,058,400 | 2,564 |
| Average total loans | $228,661,200 | 1,917 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 1,547 |
| Cost of funding earning assets | 0.7408% | 665 |
| Net interest margin | 3.7575% | 2,495 |
| Noninterest income to average assets | 0.5580% | 2,879 |
| Noninterest expense to average assets | 2.8693% | 2,744 |
| Loan and lease loss provision to assets | 0.2538% | 737 |
| Net operating income to assets | 0.6627% | 4,029 |
| Return on assets (ROA) | 0.6627% | 4,149 |
| Pretax return on assets | 1.0194% | 3,555 |
| Return on Equity (ROE) | 7.2476% | 3,428 |
| Retained earnings to average equity (ytd only) | 5.3886% | 2,555 |
| Net charge-offs to loans | 0.2090% | 1,117 |
| Credit loss provision to net charge-offs | 156.8627% | 1,724 |
| Earnings coverage of net charge-offs (x) | 7.8683% | 2,833 |
| Efficiency ratio | 69.2636% | 3,007 |
| Assets per employee ($millions) | 4.1949% | 3,600 |
| Cash dividends to net income (ytd only)* | 25.6500% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 3,541 |
| Loan loss allowance to noncurrent loans | 131.5508% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.8319% | 2,463 |
| Noncurrent loans to loans | 0.8736% | 2,509 |
| Net loans and leases to total assets | 81.5935% | 672 |
| Net loans and leases to deposits | 90.7240% | 1,668 |
| Net loans and leases to core deposits | 95.3139% | 2,066 |
| Total domestic deposits to total assets | 89.9359% | 507 |
| Equity capital to assets | 9.6494% | 4,513 |
| Core capital (leverage) ratio | 9.3243% | 4,433 |
| Tier 1 risk-based capital ratio | 11.8417% | 4,892 |
| Total risk-based capital ratio | 13.0198% | 4,837 |
| Memoranda: | ||
| Average total assets | $294,142,000 | 2,207 |
| Average earning assets | $280,602,500 | 2,154 |
| Average equity | $26,895,500 | 2,593 |
| Average total loans | $227,737,750 | 1,925 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 1,910 |
| Cost of funding earning assets | 0.7276% | 692 |
| Net interest margin | 3.6449% | 2,915 |
| Noninterest income to average assets | 0.5392% | 2,962 |
| Noninterest expense to average assets | 2.8354% | 2,891 |
| Loan and lease loss provision to assets | 0.1791% | 1,221 |
| Net operating income to assets | 0.6536% | 4,031 |
| Return on assets (ROA) | 0.6536% | 4,173 |
| Pretax return on assets | 1.0050% | 3,561 |
| Return on Equity (ROE) | 7.2773% | 3,380 |
| Retained earnings to average equity (ytd only) | 5.4036% | 2,484 |
| Net charge-offs to loans | 0.0169% | 3,176 |
| Credit loss provision to net charge-offs | 1,400.0000% | 281 |
| Earnings coverage of net charge-offs (x) | 92.5789% | 621 |
| Efficiency ratio | 70.5409% | 2,901 |
| Assets per employee ($millions) | 4.2109% | 3,543 |
| Cash dividends to net income (ytd only)* | 25.7467% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 3,443 |
| Loan loss allowance to noncurrent loans | 118.5856% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 2,179 |
| Noncurrent loans to loans | 0.9983% | 2,291 |
| Net loans and leases to total assets | 79.0023% | 1,067 |
| Net loans and leases to deposits | 87.4830% | 2,067 |
| Net loans and leases to core deposits | 92.1124% | 2,338 |
| Total domestic deposits to total assets | 90.3058% | 385 |
| Equity capital to assets | 9.3635% | 4,903 |
| Core capital (leverage) ratio | 9.3031% | 4,455 |
| Tier 1 risk-based capital ratio | 11.9823% | 4,837 |
| Total risk-based capital ratio | 13.2103% | 4,768 |
| Memoranda: | ||
| Average total assets | $297,105,330 | 2,201 |
| Average earning assets | $283,684,330 | 2,150 |
| Average equity | $26,685,670 | 2,617 |
| Average total loans | $225,166,000 | 1,949 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 2,379 |
| Cost of funding earning assets | 0.7164% | 746 |
| Net interest margin | 3.5121% | 3,422 |
| Noninterest income to average assets | 0.4581% | 3,429 |
| Noninterest expense to average assets | 2.8803% | 2,773 |
| Loan and lease loss provision to assets | 0.0027% | 3,637 |
| Net operating income to assets | 0.6046% | 4,157 |
| Return on assets (ROA) | 0.6046% | 4,277 |
| Pretax return on assets | 0.9308% | 3,723 |
| Return on Equity (ROE) | 6.8722% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.9800% | 2,950 |
| Net charge-offs to loans | 0.0036% | 2,997 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 350.5000% | 170 |
| Efficiency ratio | 75.5237% | 2,246 |
| Assets per employee ($millions) | 4.2044% | 3,583 |
| Cash dividends to net income (ytd only)* | 27.5330% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 3,908 |
| Loan loss allowance to noncurrent loans | 98.1954% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.9469% | 2,340 |
| Noncurrent loans to loans | 1.1464% | 2,116 |
| Net loans and leases to total assets | 75.7802% | 1,426 |
| Net loans and leases to deposits | 83.7564% | 2,335 |
| Net loans and leases to core deposits | 88.2099% | 2,542 |
| Total domestic deposits to total assets | 90.4769% | 440 |
| Equity capital to assets | 9.1729% | 5,017 |
| Core capital (leverage) ratio | 8.7581% | 5,112 |
| Tier 1 risk-based capital ratio | 12.4717% | 4,600 |
| Total risk-based capital ratio | 13.6523% | 4,551 |
| Memoranda: | ||
| Average total assets | $300,380,500 | 2,186 |
| Average earning assets | $287,009,500 | 2,143 |
| Average equity | $26,425,500 | 2,636 |
| Average total loans | $221,601,500 | 1,969 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6519% | 1,211 |
| Cost of funding earning assets | 0.7735% | 565 |
| Net interest margin | 3.8785% | 2,100 |
| Noninterest income to average assets | 0.5929% | 2,756 |
| Noninterest expense to average assets | 2.9681% | 2,650 |
| Loan and lease loss provision to assets | 0.1043% | 2,245 |
| Net operating income to assets | 1.2183% | 1,487 |
| Return on assets (ROA) | 1.2183% | 1,555 |
| Pretax return on assets | 1.2183% | 2,597 |
| Return on Equity (ROE) | 13.0711% | 1,045 |
| Retained earnings to average equity (ytd only) | 6.7063% | 1,434 |
| Net charge-offs to loans | 0.2895% | 1,053 |
| Credit loss provision to net charge-offs | 44.6708% | 3,477 |
| Earnings coverage of net charge-offs (x) | 5.6646% | 3,347 |
| Efficiency ratio | 69.1743% | 3,372 |
| Assets per employee ($millions) | 4.4379% | 3,143 |
| Cash dividends to net income (ytd only)* | 48.6933% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 3,849 |
| Loan loss allowance to noncurrent loans | 116.2024% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.9078% | 2,390 |
| Noncurrent loans to loans | 0.9753% | 2,385 |
| Net loans and leases to total assets | 70.2883% | 2,323 |
| Net loans and leases to deposits | 76.9950% | 3,159 |
| Net loans and leases to core deposits | 80.7182% | 3,273 |
| Total domestic deposits to total assets | 91.2894% | 214 |
| Equity capital to assets | 8.4467% | 5,605 |
| Core capital (leverage) ratio | 9.4526% | 4,244 |
| Tier 1 risk-based capital ratio | 12.2316% | 4,807 |
| Total risk-based capital ratio | 13.4041% | 4,759 |
| Memoranda: | ||
| Average total assets | $273,239,200 | 2,314 |
| Average earning assets | $260,515,200 | 2,263 |
| Average equity | $25,468,400 | 2,654 |
| Average total loans | $220,416,200 | 1,923 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8017% | 929 |
| Cost of funding earning assets | 0.7874% | 532 |
| Net interest margin | 4.0143% | 1,654 |
| Noninterest income to average assets | 0.7018% | 2,220 |
| Noninterest expense to average assets | 3.0356% | 2,411 |
| Loan and lease loss provision to assets | 0.0712% | 2,754 |
| Net operating income to assets | 1.4178% | 1,068 |
| Return on assets (ROA) | 1.4178% | 1,112 |
| Pretax return on assets | 1.4178% | 1,937 |
| Return on Equity (ROE) | 14.8018% | 756 |
| Retained earnings to average equity (ytd only) | 6.2510% | 2,089 |
| Net charge-offs to loans | 0.1313% | 1,823 |
| Credit loss provision to net charge-offs | 64.9770% | 2,843 |
| Earnings coverage of net charge-offs (x) | 13.5805% | 2,316 |
| Efficiency ratio | 67.0910% | 3,689 |
| Assets per employee ($millions) | 3.9501% | 3,976 |
| Cash dividends to net income (ytd only)* | 57.7691% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 3,399 |
| Loan loss allowance to noncurrent loans | 206.3846% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.7822% | 2,936 |
| Noncurrent loans to loans | 0.6032% | 3,508 |
| Net loans and leases to total assets | 80.9167% | 708 |
| Net loans and leases to deposits | 89.7948% | 1,678 |
| Net loans and leases to core deposits | 95.0576% | 1,972 |
| Total domestic deposits to total assets | 90.1129% | 531 |
| Equity capital to assets | 9.4780% | 4,778 |
| Core capital (leverage) ratio | 9.3524% | 4,511 |
| Tier 1 risk-based capital ratio | 12.4389% | 4,801 |
| Total risk-based capital ratio | 13.6900% | 4,706 |
| Memoranda: | ||
| Average total assets | $263,885,250 | 2,410 |
| Average earning assets | $251,296,000 | 2,350 |
| Average equity | $25,275,500 | 2,694 |
| Average total loans | $220,306,000 | 1,927 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 890 |
| Cost of funding earning assets | 0.7679% | 592 |
| Net interest margin | 4.0343% | 1,539 |
| Noninterest income to average assets | 0.7479% | 2,003 |
| Noninterest expense to average assets | 3.0001% | 2,549 |
| Loan and lease loss provision to assets | 0.0184% | 3,759 |
| Net operating income to assets | 1.5701% | 796 |
| Return on assets (ROA) | 1.5701% | 823 |
| Pretax return on assets | 1.5701% | 1,424 |
| Return on Equity (ROE) | 16.3334% | 569 |
| Retained earnings to average equity (ytd only) | 7.5410% | 1,453 |
| Net charge-offs to loans | 0.1304% | 1,713 |
| Credit loss provision to net charge-offs | 16.7832% | 3,048 |
| Earnings coverage of net charge-offs (x) | 14.4965% | 2,053 |
| Efficiency ratio | 65.3808% | 4,116 |
| Assets per employee ($millions) | 3.7693% | 4,295 |
| Cash dividends to net income (ytd only)* | 53.8311% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 3,506 |
| Loan loss allowance to noncurrent loans | 318.2558% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 3,522 |
| Noncurrent loans to loans | 0.3928% | 4,304 |
| Net loans and leases to total assets | 83.1229% | 459 |
| Net loans and leases to deposits | 92.5418% | 1,314 |
| Net loans and leases to core deposits | 97.2348% | 1,705 |
| Total domestic deposits to total assets | 89.8220% | 740 |
| Equity capital to assets | 9.7974% | 4,283 |
| Core capital (leverage) ratio | 9.7935% | 3,868 |
| Tier 1 risk-based capital ratio | 12.6434% | 4,716 |
| Total risk-based capital ratio | 13.8948% | 4,642 |
| Memoranda: | ||
| Average total assets | $260,994,670 | 2,448 |
| Average earning assets | $248,468,000 | 2,380 |
| Average equity | $25,089,670 | 2,719 |
| Average total loans | $219,300,000 | 1,946 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 902 |
| Cost of funding earning assets | 0.7742% | 577 |
| Net interest margin | 3.9980% | 1,558 |
| Noninterest income to average assets | 0.9118% | 1,352 |
| Noninterest expense to average assets | 2.9772% | 2,651 |
| Loan and lease loss provision to assets | 0.0367% | 3,164 |
| Net operating income to assets | 1.6982% | 590 |
| Return on assets (ROA) | 1.6982% | 617 |
| Pretax return on assets | 1.6982% | 1,053 |
| Return on Equity (ROE) | 17.8356% | 400 |
| Retained earnings to average equity (ytd only) | 9.9140% | 948 |
| Net charge-offs to loans | 0.0200% | 2,751 |
| Credit loss provision to net charge-offs | 218.1818% | 998 |
| Earnings coverage of net charge-offs (x) | 103.0909% | 484 |
| Efficiency ratio | 63.1818% | 4,601 |
| Assets per employee ($millions) | 3.9076% | 4,147 |
| Cash dividends to net income (ytd only)* | 44.4144% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 3,379 |
| Loan loss allowance to noncurrent loans | 201.1921% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 3,092 |
| Noncurrent loans to loans | 0.6484% | 3,656 |
| Net loans and leases to total assets | 82.9117% | 383 |
| Net loans and leases to deposits | 92.0565% | 1,181 |
| Net loans and leases to core deposits | 96.7585% | 1,569 |
| Total domestic deposits to total assets | 90.0661% | 716 |
| Equity capital to assets | 9.6627% | 4,563 |
| Core capital (leverage) ratio | 9.7113% | 4,001 |
| Tier 1 risk-based capital ratio | 12.5350% | 4,883 |
| Total risk-based capital ratio | 13.7871% | 4,792 |
| Memoranda: | ||
| Average total assets | $261,452,000 | 2,459 |
| Average earning assets | $248,522,000 | 2,392 |
| Average equity | $24,894,000 | 2,760 |
| Average total loans | $219,488,500 | 1,943 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0628% | 687 |
| Cost of funding earning assets | 0.8380% | 543 |
| Net interest margin | 4.2248% | 1,232 |
| Noninterest income to average assets | 0.5632% | 3,102 |
| Noninterest expense to average assets | 2.9266% | 3,063 |
| Loan and lease loss provision to assets | 0.1489% | 1,760 |
| Net operating income to assets | 1.5079% | 861 |
| Return on assets (ROA) | 1.5122% | 889 |
| Pretax return on assets | 1.5122% | 1,497 |
| Return on Equity (ROE) | 16.2084% | 597 |
| Retained earnings to average equity (ytd only) | 3.3879% | 3,803 |
| Net charge-offs to loans | 0.1214% | 2,816 |
| Credit loss provision to net charge-offs | 144.1509% | 1,653 |
| Earnings coverage of net charge-offs (x) | 16.0415% | 2,041 |
| Efficiency ratio | 63.8520% | 4,609 |
| Assets per employee ($millions) | 3.8396% | 4,268 |
| Cash dividends to net income (ytd only)* | 79.0979% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 3,403 |
| Loan loss allowance to noncurrent loans | 151.9149% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 2,944 |
| Noncurrent loans to loans | 0.8583% | 3,168 |
| Net loans and leases to total assets | 82.7981% | 450 |
| Net loans and leases to deposits | 91.7179% | 1,319 |
| Net loans and leases to core deposits | 96.6159% | 1,671 |
| Total domestic deposits to total assets | 90.2747% | 618 |
| Equity capital to assets | 9.3798% | 4,875 |
| Core capital (leverage) ratio | 9.3606% | 4,452 |
| Tier 1 risk-based capital ratio | 12.6774% | 4,932 |
| Total risk-based capital ratio | 13.9302% | 4,844 |
| Memoranda: | ||
| Average total assets | $256,579,000 | 2,467 |
| Average earning assets | $244,154,800 | 2,395 |
| Average equity | $23,938,200 | 2,765 |
| Average total loans | $218,239,800 | 1,915 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1026% | 640 |
| Cost of funding earning assets | 0.8376% | 566 |
| Net interest margin | 4.2650% | 1,120 |
| Noninterest income to average assets | 0.5329% | 3,306 |
| Noninterest expense to average assets | 2.8983% | 3,125 |
| Loan and lease loss provision to assets | 0.1294% | 1,939 |
| Net operating income to assets | 1.5606% | 826 |
| Return on assets (ROA) | 1.5663% | 851 |
| Pretax return on assets | 1.5663% | 1,432 |
| Return on Equity (ROE) | 16.8117% | 577 |
| Retained earnings to average equity (ytd only) | 3.0307% | 4,459 |
| Net charge-offs to loans | 0.1486% | 2,301 |
| Credit loss provision to net charge-offs | 102.0576% | 2,160 |
| Earnings coverage of net charge-offs (x) | 13.3252% | 2,239 |
| Efficiency ratio | 63.1669% | 4,692 |
| Assets per employee ($millions) | 3.7567% | 4,383 |
| Cash dividends to net income (ytd only)* | 81.9728% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 3,910 |
| Loan loss allowance to noncurrent loans | 160.2804% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.8319% | 3,339 |
| Noncurrent loans to loans | 0.7826% | 3,626 |
| Net loans and leases to total assets | 84.5585% | 296 |
| Net loans and leases to deposits | 93.7722% | 1,060 |
| Net loans and leases to core deposits | 99.4420% | 1,420 |
| Total domestic deposits to total assets | 90.1744% | 651 |
| Equity capital to assets | 9.4498% | 4,860 |
| Core capital (leverage) ratio | 9.3511% | 4,566 |
| Tier 1 risk-based capital ratio | 12.6866% | 5,049 |
| Total risk-based capital ratio | 13.9387% | 4,957 |
| Memoranda: | ||
| Average total assets | $255,450,500 | 2,495 |
| Average earning assets | $242,904,000 | 2,417 |
| Average equity | $23,800,250 | 2,780 |
| Average total loans | $218,040,750 | 1,930 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 666 |
| Cost of funding earning assets | 0.8271% | 619 |
| Net interest margin | 4.2352% | 1,168 |
| Noninterest income to average assets | 0.4901% | 3,551 |
| Noninterest expense to average assets | 2.8655% | 3,287 |
| Loan and lease loss provision to assets | 0.0658% | 2,951 |
| Net operating income to assets | 1.5839% | 734 |
| Return on assets (ROA) | 1.5925% | 746 |
| Pretax return on assets | 1.5925% | 1,269 |
| Return on Equity (ROE) | 17.1740% | 537 |
| Retained earnings to average equity (ytd only) | 4.4244% | 3,356 |
| Net charge-offs to loans | 0.1634% | 2,084 |
| Credit loss provision to net charge-offs | 47.1910% | 2,834 |
| Earnings coverage of net charge-offs (x) | 11.8371% | 2,112 |
| Efficiency ratio | 63.4645% | 4,774 |
| Assets per employee ($millions) | 3.8949% | 4,069 |
| Cash dividends to net income (ytd only)* | 74.2380% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 4,372 |
| Loan loss allowance to noncurrent loans | 462.4126% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 5,256 |
| Noncurrent loans to loans | 0.2619% | 5,236 |
| Net loans and leases to total assets | 83.9257% | 305 |
| Net loans and leases to deposits | 92.9678% | 1,053 |
| Net loans and leases to core deposits | 97.9750% | 1,445 |
| Total domestic deposits to total assets | 90.2739% | 673 |
| Equity capital to assets | 9.3962% | 4,846 |
| Core capital (leverage) ratio | 9.2774% | 4,628 |
| Tier 1 risk-based capital ratio | 12.6527% | 5,118 |
| Total risk-based capital ratio | 13.9046% | 5,055 |
| Memoranda: | ||
| Average total assets | $255,449,330 | 2,497 |
| Average earning assets | $242,772,000 | 2,415 |
| Average equity | $23,687,000 | 2,779 |
| Average total loans | $217,803,670 | 1,921 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0321% | 676 |
| Cost of funding earning assets | 0.8112% | 709 |
| Net interest margin | 4.2209% | 1,161 |
| Noninterest income to average assets | 0.4822% | 3,550 |
| Noninterest expense to average assets | 2.8746% | 3,300 |
| Loan and lease loss provision to assets | 0.0550% | 3,017 |
| Net operating income to assets | 1.5740% | 700 |
| Return on assets (ROA) | 1.5740% | 727 |
| Pretax return on assets | 1.5740% | 1,224 |
| Return on Equity (ROE) | 17.0891% | 523 |
| Retained earnings to average equity (ytd only) | 3.1893% | 4,210 |
| Net charge-offs to loans | 0.0129% | 3,348 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 148.1429% | 331 |
| Efficiency ratio | 63.8298% | 4,883 |
| Assets per employee ($millions) | 3.8037% | 4,319 |
| Cash dividends to net income (ytd only)* | 81.3373% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 4,220 |
| Loan loss allowance to noncurrent loans | 210.8994% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.7518% | 3,869 |
| Noncurrent loans to loans | 0.6075% | 4,339 |
| Net loans and leases to total assets | 83.6622% | 248 |
| Net loans and leases to deposits | 92.4573% | 917 |
| Net loans and leases to core deposits | 97.1172% | 1,306 |
| Total domestic deposits to total assets | 90.4873% | 806 |
| Equity capital to assets | 9.2764% | 4,782 |
| Core capital (leverage) ratio | 9.3273% | 4,531 |
| Tier 1 risk-based capital ratio | 12.6492% | 5,224 |
| Total risk-based capital ratio | 13.9017% | 5,156 |
| Memoranda: | ||
| Average total assets | $254,643,000 | 2,506 |
| Average earning assets | $242,602,000 | 2,415 |
| Average equity | $23,453,500 | 2,798 |
| Average total loans | $217,512,500 | 1,913 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2140% | 618 |
| Cost of funding earning assets | 0.9156% | 680 |
| Net interest margin | 4.2985% | 1,111 |
| Noninterest income to average assets | 0.6409% | 2,859 |
| Noninterest expense to average assets | 2.6924% | 4,124 |
| Loan and lease loss provision to assets | 0.4435% | 661 |
| Net operating income to assets | 1.5895% | 707 |
| Return on assets (ROA) | 1.5907% | 726 |
| Pretax return on assets | 1.5907% | 1,195 |
| Return on Equity (ROE) | 17.5682% | 448 |
| Retained earnings to average equity (ytd only) | 6.0887% | 1,916 |
| Net charge-offs to loans | 0.7546% | 841 |
| Credit loss provision to net charge-offs | 69.0227% | 3,331 |
| Earnings coverage of net charge-offs (x) | 3.1641% | 3,941 |
| Efficiency ratio | 56.9781% | 5,855 |
| Assets per employee ($millions) | 3.8551% | 4,149 |
| Cash dividends to net income (ytd only)* | 65.3426% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 4,386 |
| Loan loss allowance to noncurrent loans | 254.7907% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 4,266 |
| Noncurrent loans to loans | 0.4908% | 4,767 |
| Net loans and leases to total assets | 85.0139% | 202 |
| Net loans and leases to deposits | 94.2329% | 862 |
| Net loans and leases to core deposits | 99.3172% | 1,209 |
| Total domestic deposits to total assets | 90.2168% | 961 |
| Equity capital to assets | 9.1441% | 4,875 |
| Core capital (leverage) ratio | 9.0699% | 4,904 |
| Tier 1 risk-based capital ratio | 12.3782% | 5,373 |
| Total risk-based capital ratio | 13.6306% | 5,303 |
| Memoranda: | ||
| Average total assets | $253,229,400 | 2,500 |
| Average earning assets | $240,619,800 | 2,419 |
| Average equity | $22,927,800 | 2,834 |
| Average total loans | $215,625,200 | 1,893 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1735% | 688 |
| Cost of funding earning assets | 0.9200% | 743 |
| Net interest margin | 4.2534% | 1,200 |
| Noninterest income to average assets | 0.5957% | 3,176 |
| Noninterest expense to average assets | 2.7380% | 3,875 |
| Loan and lease loss provision to assets | 0.5219% | 521 |
| Net operating income to assets | 1.3764% | 1,158 |
| Return on assets (ROA) | 1.3780% | 1,198 |
| Pretax return on assets | 1.3780% | 2,005 |
| Return on Equity (ROE) | 15.2572% | 761 |
| Retained earnings to average equity (ytd only) | 4.8562% | 3,189 |
| Net charge-offs to loans | 0.9262% | 627 |
| Credit loss provision to net charge-offs | 66.3539% | 3,154 |
| Earnings coverage of net charge-offs (x) | 2.4135% | 4,027 |
| Efficiency ratio | 59.0563% | 5,548 |
| Assets per employee ($millions) | 4.1090% | 3,623 |
| Cash dividends to net income (ytd only)* | 68.1713% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 4,710 |
| Loan loss allowance to noncurrent loans | 181.2831% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.6837% | 4,406 |
| Noncurrent loans to loans | 0.6819% | 4,495 |
| Net loans and leases to total assets | 84.6022% | 211 |
| Net loans and leases to deposits | 94.5851% | 783 |
| Net loans and leases to core deposits | 99.6995% | 1,142 |
| Total domestic deposits to total assets | 89.4456% | 1,332 |
| Equity capital to assets | 8.8535% | 5,356 |
| Core capital (leverage) ratio | 8.9485% | 5,207 |
| Tier 1 risk-based capital ratio | 12.0606% | 5,743 |
| Total risk-based capital ratio | 13.3128% | 5,674 |
| Memoranda: | ||
| Average total assets | $252,927,750 | 2,520 |
| Average earning assets | $240,272,000 | 2,432 |
| Average equity | $22,843,250 | 2,870 |
| Average total loans | $214,770,250 | 1,901 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1713% | 669 |
| Cost of funding earning assets | 0.9271% | 787 |
| Net interest margin | 4.2442% | 1,157 |
| Noninterest income to average assets | 0.5977% | 3,208 |
| Noninterest expense to average assets | 2.7289% | 3,934 |
| Loan and lease loss provision to assets | 0.3379% | 1,005 |
| Net operating income to assets | 1.5700% | 789 |
| Return on assets (ROA) | 1.5724% | 855 |
| Pretax return on assets | 1.5724% | 1,440 |
| Return on Equity (ROE) | 17.2934% | 532 |
| Retained earnings to average equity (ytd only) | 7.1785% | 1,806 |
| Net charge-offs to loans | 0.3888% | 1,664 |
| Credit loss provision to net charge-offs | 102.6634% | 2,159 |
| Earnings coverage of net charge-offs (x) | 5.7966% | 2,828 |
| Efficiency ratio | 58.8518% | 5,619 |
| Assets per employee ($millions) | 4.1333% | 3,508 |
| Cash dividends to net income (ytd only)* | 58.4896% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 3,541 |
| Loan loss allowance to noncurrent loans | 122.9781% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.1500% | 3,445 |
| Noncurrent loans to loans | 1.2283% | 3,500 |
| Net loans and leases to total assets | 82.7894% | 306 |
| Net loans and leases to deposits | 91.2085% | 1,035 |
| Net loans and leases to core deposits | 95.6197% | 1,386 |
| Total domestic deposits to total assets | 90.7694% | 638 |
| Equity capital to assets | 8.9118% | 5,311 |
| Core capital (leverage) ratio | 9.1177% | 4,806 |
| Tier 1 risk-based capital ratio | 12.3179% | 5,614 |
| Total risk-based capital ratio | 13.5740% | 5,559 |
| Memoranda: | ||
| Average total assets | $250,947,670 | 2,546 |
| Average earning assets | $238,820,000 | 2,457 |
| Average equity | $22,818,000 | 2,885 |
| Average total loans | $212,444,000 | 1,916 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2619% | 544 |
| Cost of funding earning assets | 0.9437% | 808 |
| Net interest margin | 4.3181% | 939 |
| Noninterest income to average assets | 0.5494% | 3,447 |
| Noninterest expense to average assets | 2.7420% | 3,912 |
| Loan and lease loss provision to assets | 0.0064% | 4,358 |
| Net operating income to assets | 1.8994% | 407 |
| Return on assets (ROA) | 1.9042% | 438 |
| Pretax return on assets | 1.9042% | 728 |
| Return on Equity (ROE) | 20.7296% | 245 |
| Retained earnings to average equity (ytd only) | 10.2069% | 1,057 |
| Net charge-offs to loans | 0.2901% | 1,803 |
| Credit loss provision to net charge-offs | 2.6144% | 3,219 |
| Earnings coverage of net charge-offs (x) | 7.7320% | 2,029 |
| Efficiency ratio | 58.9948% | 5,720 |
| Assets per employee ($millions) | 4.1238% | 3,690 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 3,981 |
| Loan loss allowance to noncurrent loans | 465.9639% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 5,775 |
| Noncurrent loans to loans | 0.3129% | 5,617 |
| Net loans and leases to total assets | 83.1267% | 224 |
| Net loans and leases to deposits | 91.7510% | 822 |
| Net loans and leases to core deposits | 96.3769% | 1,180 |
| Total domestic deposits to total assets | 90.6003% | 712 |
| Equity capital to assets | 9.1787% | 5,276 |
| Core capital (leverage) ratio | 9.1154% | 4,702 |
| Tier 1 risk-based capital ratio | 12.3174% | 5,703 |
| Total risk-based capital ratio | 13.5730% | 5,655 |
| Memoranda: | ||
| Average total assets | $248,288,000 | 2,601 |
| Average earning assets | $235,656,500 | 2,514 |
| Average equity | $22,808,000 | 2,946 |
| Average total loans | $210,958,000 | 1,938 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 710 |
| Cost of funding earning assets | 1.1343% | 791 |
| Net interest margin | 4.3008% | 1,399 |
| Noninterest income to average assets | 0.7098% | 2,673 |
| Noninterest expense to average assets | 2.7455% | 4,230 |
| Loan and lease loss provision to assets | 0.2396% | 2,733 |
| Net operating income to assets | 1.8007% | 509 |
| Return on assets (ROA) | 1.8393% | 538 |
| Pretax return on assets | 1.8393% | 856 |
| Return on Equity (ROE) | 19.9306% | 308 |
| Retained earnings to average equity (ytd only) | 2.7455% | 4,306 |
| Net charge-offs to loans | 0.0244% | 5,557 |
| Credit loss provision to net charge-offs | 1,175.5102% | 221 |
| Earnings coverage of net charge-offs (x) | 100.0816% | 380 |
| Efficiency ratio | 57.3676% | 5,912 |
| Assets per employee ($millions) | 4.0168% | 3,910 |
| Cash dividends to net income (ytd only)* | 86.2248% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 3,543 |
| Loan loss allowance to noncurrent loans | 563.0208% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 5,379 |
| Noncurrent loans to loans | 0.2747% | 5,794 |
| Net loans and leases to total assets | 84.2661% | 202 |
| Net loans and leases to deposits | 93.1170% | 820 |
| Net loans and leases to core deposits | 99.1762% | 1,071 |
| Total domestic deposits to total assets | 90.4948% | 702 |
| Equity capital to assets | 9.1938% | 5,278 |
| Core capital (leverage) ratio | 9.1759% | 4,619 |
| Tier 1 risk-based capital ratio | 12.1895% | 5,662 |
| Total risk-based capital ratio | 13.4463% | 5,614 |
| Memoranda: | ||
| Average total assets | $240,356,800 | 2,630 |
| Average earning assets | $227,796,000 | 2,530 |
| Average equity | $22,182,000 | 2,952 |
| Average total loans | $200,910,800 | 2,000 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4690% | 728 |
| Cost of funding earning assets | 1.1779% | 767 |
| Net interest margin | 4.2911% | 1,495 |
| Noninterest income to average assets | 0.7614% | 2,420 |
| Noninterest expense to average assets | 2.7710% | 4,088 |
| Loan and lease loss provision to assets | 0.2899% | 2,260 |
| Net operating income to assets | 1.7659% | 615 |
| Return on assets (ROA) | 1.8183% | 610 |
| Pretax return on assets | 1.8183% | 998 |
| Return on Equity (ROE) | 19.6835% | 345 |
| Retained earnings to average equity (ytd only) | 4.2360% | 3,913 |
| Net charge-offs to loans | 0.0094% | 5,581 |
| Credit loss provision to net charge-offs | 3,714.2857% | 76 |
| Earnings coverage of net charge-offs (x) | 263.3749% | 174 |
| Efficiency ratio | 57.4085% | 5,868 |
| Assets per employee ($millions) | 3.9452% | 3,987 |
| Cash dividends to net income (ytd only)* | 78.4796% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 3,625 |
| Loan loss allowance to noncurrent loans | 873.1707% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 5,819 |
| Noncurrent loans to loans | 0.1803% | 6,160 |
| Net loans and leases to total assets | 83.6991% | 241 |
| Net loans and leases to deposits | 92.7521% | 897 |
| Net loans and leases to core deposits | 100.5561% | 1,084 |
| Total domestic deposits to total assets | 90.2396% | 705 |
| Equity capital to assets | 9.4077% | 5,321 |
| Core capital (leverage) ratio | 9.3744% | 4,470 |
| Tier 1 risk-based capital ratio | 12.5240% | 5,621 |
| Total risk-based capital ratio | 13.7810% | 5,581 |
| Memoranda: | ||
| Average total assets | $239,189,750 | 2,663 |
| Average earning assets | $226,603,750 | 2,568 |
| Average equity | $22,095,750 | 2,986 |
| Average total loans | $198,709,500 | 2,036 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4775% | 753 |
| Cost of funding earning assets | 1.2398% | 682 |
| Net interest margin | 4.2376% | 1,644 |
| Noninterest income to average assets | 0.6611% | 2,887 |
| Noninterest expense to average assets | 2.7172% | 4,338 |
| Loan and lease loss provision to assets | 0.2849% | 2,300 |
| Net operating income to assets | 1.6682% | 719 |
| Return on assets (ROA) | 1.6682% | 805 |
| Pretax return on assets | 1.6682% | 1,344 |
| Return on Equity (ROE) | 18.1708% | 486 |
| Retained earnings to average equity (ytd only) | 0.1825% | 5,983 |
| Net charge-offs to loans | -0.0030% | 6,122 |
| Credit loss provision to net charge-offs | -11,333.3333% | 6,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1808% | 5,843 |
| Assets per employee ($millions) | 4.0053% | 3,857 |
| Cash dividends to net income (ytd only)* | 98.9955% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 3,908 |
| Loan loss allowance to noncurrent loans | 425.4520% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 5,127 |
| Noncurrent loans to loans | 0.3579% | 5,828 |
| Net loans and leases to total assets | 82.3161% | 320 |
| Net loans and leases to deposits | 91.7797% | 974 |
| Net loans and leases to core deposits | 100.3047% | 1,079 |
| Total domestic deposits to total assets | 89.6887% | 1,108 |
| Equity capital to assets | 9.1703% | 5,498 |
| Core capital (leverage) ratio | 9.1631% | 4,666 |
| Tier 1 risk-based capital ratio | 12.3510% | 5,682 |
| Total risk-based capital ratio | 13.6075% | 5,658 |
| Memoranda: | ||
| Average total assets | $238,701,330 | 2,671 |
| Average earning assets | $225,835,000 | 2,577 |
| Average equity | $21,914,330 | 2,991 |
| Average total loans | $196,730,000 | 2,054 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4902% | 771 |
| Cost of funding earning assets | 1.3283% | 563 |
| Net interest margin | 4.1619% | 1,888 |
| Noninterest income to average assets | 0.6843% | 2,734 |
| Noninterest expense to average assets | 2.7374% | 4,291 |
| Loan and lease loss provision to assets | 0.2943% | 2,122 |
| Net operating income to assets | 1.6041% | 855 |
| Return on assets (ROA) | 1.6041% | 957 |
| Pretax return on assets | 1.6041% | 1,561 |
| Return on Equity (ROE) | 17.4625% | 608 |
| Retained earnings to average equity (ytd only) | -3.0935% | 6,411 |
| Net charge-offs to loans | -0.0103% | 5,952 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0497% | 5,765 |
| Assets per employee ($millions) | 3.9995% | 4,011 |
| Cash dividends to net income (ytd only)* | 117.7149% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 4,249 |
| Loan loss allowance to noncurrent loans | 367.5127% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 4,995 |
| Noncurrent loans to loans | 0.4030% | 5,864 |
| Net loans and leases to total assets | 81.6464% | 293 |
| Net loans and leases to deposits | 91.0161% | 870 |
| Net loans and leases to core deposits | 99.0046% | 1,052 |
| Total domestic deposits to total assets | 89.7055% | 1,242 |
| Equity capital to assets | 9.2325% | 5,185 |
| Core capital (leverage) ratio | 9.0747% | 4,723 |
| Tier 1 risk-based capital ratio | 12.5230% | 5,585 |
| Total risk-based capital ratio | 13.7788% | 5,547 |
| Memoranda: | ||
| Average total assets | $237,892,000 | 2,695 |
| Average earning assets | $225,857,000 | 2,586 |
| Average equity | $21,852,500 | 2,993 |
| Average total loans | $194,654,500 | 2,081 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6118% | 932 |
| Cost of funding earning assets | 1.6128% | 453 |
| Net interest margin | 3.9990% | 2,879 |
| Noninterest income to average assets | 0.5889% | 3,229 |
| Noninterest expense to average assets | 2.7716% | 4,470 |
| Loan and lease loss provision to assets | 0.1757% | 4,438 |
| Net operating income to assets | 1.4333% | 961 |
| Return on assets (ROA) | 1.5025% | 894 |
| Pretax return on assets | 1.5025% | 1,462 |
| Return on Equity (ROE) | 16.9593% | 478 |
| Retained earnings to average equity (ytd only) | 8.2522% | 998 |
| Net charge-offs to loans | 0.2416% | 4,269 |
| Credit loss provision to net charge-offs | 88.2729% | 4,089 |
| Earnings coverage of net charge-offs (x) | 8.0853% | 2,215 |
| Efficiency ratio | 63.2701% | 5,249 |
| Assets per employee ($millions) | 3.9314% | 4,005 |
| Cash dividends to net income (ytd only)* | 51.3414% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 4,451 |
| Loan loss allowance to noncurrent loans | 348.2051% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 5,240 |
| Noncurrent loans to loans | 0.4026% | 5,908 |
| Net loans and leases to total assets | 79.6601% | 532 |
| Net loans and leases to deposits | 88.7875% | 1,290 |
| Net loans and leases to core deposits | 96.3962% | 1,463 |
| Total domestic deposits to total assets | 89.7199% | 1,146 |
| Equity capital to assets | 9.1400% | 5,364 |
| Core capital (leverage) ratio | 9.0760% | 4,658 |
| Tier 1 risk-based capital ratio | 12.5623% | 5,399 |
| Total risk-based capital ratio | 13.8162% | 5,385 |
| Memoranda: | ||
| Average total assets | $235,679,800 | 2,675 |
| Average earning assets | $223,456,200 | 2,571 |
| Average equity | $20,879,400 | 3,021 |
| Average total loans | $194,125,200 | 2,095 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6131% | 1,007 |
| Cost of funding earning assets | 1.6815% | 428 |
| Net interest margin | 3.9316% | 3,225 |
| Noninterest income to average assets | 0.5648% | 3,409 |
| Noninterest expense to average assets | 2.8087% | 4,309 |
| Loan and lease loss provision to assets | 0.1858% | 4,173 |
| Net operating income to assets | 1.2984% | 1,376 |
| Return on assets (ROA) | 1.3899% | 1,254 |
| Pretax return on assets | 1.3899% | 1,969 |
| Return on Equity (ROE) | 15.8163% | 705 |
| Retained earnings to average equity (ytd only) | 8.1021% | 1,472 |
| Net charge-offs to loans | 0.2986% | 3,602 |
| Credit loss provision to net charge-offs | 75.1724% | 4,307 |
| Earnings coverage of net charge-offs (x) | 6.0046% | 2,642 |
| Efficiency ratio | 65.4269% | 4,820 |
| Assets per employee ($millions) | 3.8665% | 4,153 |
| Cash dividends to net income (ytd only)* | 48.7736% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 4,704 |
| Loan loss allowance to noncurrent loans | 369.8611% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.7297% | 5,331 |
| Noncurrent loans to loans | 0.3695% | 6,118 |
| Net loans and leases to total assets | 81.4941% | 397 |
| Net loans and leases to deposits | 92.3637% | 982 |
| Net loans and leases to core deposits | 100.1762% | 1,232 |
| Total domestic deposits to total assets | 88.2317% | 1,905 |
| Equity capital to assets | 9.0950% | 5,643 |
| Core capital (leverage) ratio | 9.1238% | 4,760 |
| Tier 1 risk-based capital ratio | 12.1212% | 5,800 |
| Total risk-based capital ratio | 13.3750% | 5,792 |
| Memoranda: | ||
| Average total assets | $234,646,250 | 2,690 |
| Average earning assets | $222,498,750 | 2,599 |
| Average equity | $20,619,500 | 3,059 |
| Average total loans | $194,218,500 | 2,120 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5610% | 1,145 |
| Cost of funding earning assets | 1.7655% | 359 |
| Net interest margin | 3.7955% | 3,804 |
| Noninterest income to average assets | 0.5268% | 3,654 |
| Noninterest expense to average assets | 2.7698% | 4,545 |
| Loan and lease loss provision to assets | 0.1289% | 4,675 |
| Net operating income to assets | 1.2312% | 1,489 |
| Return on assets (ROA) | 1.2457% | 1,526 |
| Pretax return on assets | 1.2457% | 2,321 |
| Return on Equity (ROE) | 14.3445% | 910 |
| Retained earnings to average equity (ytd only) | 8.7699% | 1,188 |
| Net charge-offs to loans | 0.4082% | 2,920 |
| Credit loss provision to net charge-offs | 38.1313% | 4,849 |
| Earnings coverage of net charge-offs (x) | 4.0227% | 2,988 |
| Efficiency ratio | 67.0664% | 4,691 |
| Assets per employee ($millions) | 3.6790% | 4,505 |
| Cash dividends to net income (ytd only)* | 38.8622% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 4,928 |
| Loan loss allowance to noncurrent loans | 360.3424% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.7248% | 5,456 |
| Noncurrent loans to loans | 0.3691% | 6,169 |
| Net loans and leases to total assets | 80.8585% | 461 |
| Net loans and leases to deposits | 92.9540% | 953 |
| Net loans and leases to core deposits | 101.3229% | 1,226 |
| Total domestic deposits to total assets | 86.9876% | 2,744 |
| Equity capital to assets | 9.0478% | 5,507 |
| Core capital (leverage) ratio | 8.8341% | 4,994 |
| Tier 1 risk-based capital ratio | 12.2210% | 5,586 |
| Total risk-based capital ratio | 13.4741% | 5,567 |
| Memoranda: | ||
| Average total assets | $234,243,670 | 2,713 |
| Average earning assets | $222,371,000 | 2,619 |
| Average equity | $20,342,330 | 3,080 |
| Average total loans | $194,001,330 | 2,138 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5286% | 1,224 |
| Cost of funding earning assets | 1.8453% | 320 |
| Net interest margin | 3.6833% | 4,188 |
| Noninterest income to average assets | 0.4722% | 4,104 |
| Noninterest expense to average assets | 2.7926% | 4,474 |
| Loan and lease loss provision to assets | 0.1257% | 4,429 |
| Net operating income to assets | 1.0464% | 2,012 |
| Return on assets (ROA) | 1.0464% | 2,064 |
| Pretax return on assets | 1.0464% | 2,959 |
| Return on Equity (ROE) | 12.3028% | 1,377 |
| Retained earnings to average equity (ytd only) | 12.3028% | 691 |
| Net charge-offs to loans | 0.2755% | 2,968 |
| Credit loss provision to net charge-offs | 54.8148% | 3,653 |
| Earnings coverage of net charge-offs (x) | 5.1111% | 2,332 |
| Efficiency ratio | 70.4370% | 4,175 |
| Assets per employee ($millions) | 3.9361% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 4,680 |
| Loan loss allowance to noncurrent loans | 188.4562% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 4,833 |
| Noncurrent loans to loans | 0.7413% | 5,531 |
| Net loans and leases to total assets | 80.9877% | 439 |
| Net loans and leases to deposits | 92.4758% | 978 |
| Net loans and leases to core deposits | 101.3620% | 1,246 |
| Total domestic deposits to total assets | 87.5772% | 2,625 |
| Equity capital to assets | 8.6063% | 5,768 |
| Core capital (leverage) ratio | 8.7000% | 5,085 |
| Tier 1 risk-based capital ratio | 11.7231% | 5,918 |
| Total risk-based capital ratio | 12.9765% | 5,919 |
| Memoranda: | ||
| Average total assets | $235,476,000 | 2,723 |
| Average earning assets | $223,275,500 | 2,619 |
| Average equity | $20,028,000 | 3,107 |
| Average total loans | $196,032,500 | 2,144 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9805% | 877 |
| Cost of funding earning assets | 1.9484% | 727 |
| Net interest margin | 4.0321% | 2,880 |
| Noninterest income to average assets | 0.6495% | 3,157 |
| Noninterest expense to average assets | 2.8249% | 4,498 |
| Loan and lease loss provision to assets | 0.3027% | 4,386 |
| Net operating income to assets | 1.3304% | 1,106 |
| Return on assets (ROA) | 1.4094% | 1,002 |
| Pretax return on assets | 1.4094% | 1,639 |
| Return on Equity (ROE) | 17.7934% | 395 |
| Retained earnings to average equity (ytd only) | 12.8040% | 220 |
| Net charge-offs to loans | 0.4658% | 3,755 |
| Credit loss provision to net charge-offs | 75.1896% | 5,727 |
| Earnings coverage of net charge-offs (x) | 4.0563% | 3,086 |
| Efficiency ratio | 63.3659% | 5,452 |
| Assets per employee ($millions) | 3.8490% | 4,134 |
| Cash dividends to net income (ytd only)* | 28.0409% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 4,511 |
| Loan loss allowance to noncurrent loans | 244.1410% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 1.0588% | 4,885 |
| Noncurrent loans to loans | 0.5730% | 5,907 |
| Net loans and leases to total assets | 83.1900% | 368 |
| Net loans and leases to deposits | 95.0370% | 951 |
| Net loans and leases to core deposits | 105.6520% | 1,212 |
| Total domestic deposits to total assets | 87.5343% | 2,527 |
| Equity capital to assets | 8.4037% | 5,998 |
| Core capital (leverage) ratio | 8.2676% | 5,730 |
| Tier 1 risk-based capital ratio | 11.1867% | 6,187 |
| Total risk-based capital ratio | 12.4407% | 6,164 |
| Memoranda: | ||
| Average total assets | $229,248,000 | 2,766 |
| Average earning assets | $216,536,200 | 2,669 |
| Average equity | $18,158,400 | 3,403 |
| Average total loans | $198,171,200 | 2,173 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0202% | 900 |
| Cost of funding earning assets | 1.9541% | 869 |
| Net interest margin | 4.0661% | 2,784 |
| Noninterest income to average assets | 0.6161% | 3,344 |
| Noninterest expense to average assets | 2.7296% | 4,756 |
| Loan and lease loss provision to assets | 0.3511% | 3,802 |
| Net operating income to assets | 1.3756% | 1,153 |
| Return on assets (ROA) | 1.4669% | 1,062 |
| Pretax return on assets | 1.4669% | 1,699 |
| Return on Equity (ROE) | 18.8153% | 403 |
| Retained earnings to average equity (ytd only) | 14.8901% | 220 |
| Net charge-offs to loans | 0.4534% | 3,486 |
| Credit loss provision to net charge-offs | 89.0208% | 4,809 |
| Earnings coverage of net charge-offs (x) | 4.3784% | 3,078 |
| Efficiency ratio | 61.2526% | 5,742 |
| Assets per employee ($millions) | 3.9987% | 3,838 |
| Cash dividends to net income (ytd only)* | 20.8617% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 4,210 |
| Loan loss allowance to noncurrent loans | 330.9955% | 897 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 4,979 |
| Noncurrent loans to loans | 0.4378% | 6,324 |
| Net loans and leases to total assets | 82.9454% | 414 |
| Net loans and leases to deposits | 94.2214% | 1,178 |
| Net loans and leases to core deposits | 105.3176% | 1,379 |
| Total domestic deposits to total assets | 88.0325% | 1,935 |
| Equity capital to assets | 8.1542% | 6,663 |
| Core capital (leverage) ratio | 8.1315% | 6,147 |
| Tier 1 risk-based capital ratio | 10.7680% | 6,574 |
| Total risk-based capital ratio | 12.0226% | 6,552 |
| Memoranda: | ||
| Average total assets | $227,862,750 | 2,817 |
| Average earning assets | $215,203,500 | 2,723 |
| Average equity | $17,765,250 | 3,513 |
| Average total loans | $198,191,000 | 2,202 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0794% | 792 |
| Cost of funding earning assets | 1.9661% | 996 |
| Net interest margin | 4.1134% | 2,497 |
| Noninterest income to average assets | 0.6165% | 3,215 |
| Noninterest expense to average assets | 2.6563% | 5,093 |
| Loan and lease loss provision to assets | 0.4476% | 3,082 |
| Net operating income to assets | 1.4063% | 1,084 |
| Return on assets (ROA) | 1.4063% | 1,143 |
| Pretax return on assets | 1.4063% | 1,823 |
| Return on Equity (ROE) | 18.3389% | 435 |
| Retained earnings to average equity (ytd only) | 12.2454% | 455 |
| Net charge-offs to loans | 0.5880% | 2,767 |
| Credit loss provision to net charge-offs | 86.5285% | 4,528 |
| Earnings coverage of net charge-offs (x) | 3.5838% | 3,257 |
| Efficiency ratio | 58.8946% | 6,246 |
| Assets per employee ($millions) | 4.0305% | 3,715 |
| Cash dividends to net income (ytd only)* | 33.2274% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 4,082 |
| Loan loss allowance to noncurrent loans | 243.9065% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.9193% | 5,281 |
| Noncurrent loans to loans | 0.6015% | 6,037 |
| Net loans and leases to total assets | 85.4152% | 262 |
| Net loans and leases to deposits | 100.1884% | 704 |
| Net loans and leases to core deposits | 113.5181% | 942 |
| Total domestic deposits to total assets | 85.2546% | 3,487 |
| Equity capital to assets | 7.7845% | 6,945 |
| Core capital (leverage) ratio | 7.7681% | 6,535 |
| Tier 1 risk-based capital ratio | 9.8853% | 7,086 |
| Total risk-based capital ratio | 11.1452% | 7,057 |
| Memoranda: | ||
| Average total assets | $223,842,330 | 2,885 |
| Average earning assets | $211,894,330 | 2,789 |
| Average equity | $17,165,670 | 3,609 |
| Average total loans | $196,944,000 | 2,249 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1311% | 735 |
| Cost of funding earning assets | 1.9434% | 1,267 |
| Net interest margin | 4.1877% | 2,090 |
| Noninterest income to average assets | 0.6102% | 3,207 |
| Noninterest expense to average assets | 2.7235% | 4,796 |
| Loan and lease loss provision to assets | 0.6519% | 1,949 |
| Net operating income to assets | 1.1915% | 1,561 |
| Return on assets (ROA) | 1.1915% | 1,637 |
| Pretax return on assets | 1.1915% | 2,388 |
| Return on Equity (ROE) | 15.6606% | 772 |
| Retained earnings to average equity (ytd only) | 9.4487% | 1,284 |
| Net charge-offs to loans | 0.7353% | 2,035 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 2.8278% | 3,135 |
| Efficiency ratio | 59.6352% | 6,239 |
| Assets per employee ($millions) | 3.7778% | 4,363 |
| Cash dividends to net income (ytd only)* | 39.6657% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 3,849 |
| Loan loss allowance to noncurrent loans | 439.8827% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.9942% | 5,157 |
| Noncurrent loans to loans | 0.3436% | 6,614 |
| Net loans and leases to total assets | 87.7017% | 135 |
| Net loans and leases to deposits | 107.8195% | 350 |
| Net loans and leases to core deposits | 121.3204% | 734 |
| Total domestic deposits to total assets | 81.3412% | 5,331 |
| Equity capital to assets | 7.6351% | 6,974 |
| Core capital (leverage) ratio | 7.5239% | 6,831 |
| Tier 1 risk-based capital ratio | 9.6356% | 7,235 |
| Total risk-based capital ratio | 10.8904% | 7,225 |
| Memoranda: | ||
| Average total assets | $220,894,000 | 2,978 |
| Average earning assets | $208,705,500 | 2,888 |
| Average equity | $16,806,500 | 3,696 |
| Average total loans | $195,839,000 | 2,319 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0908% | 1,545 |
| Cost of funding earning assets | 2.4026% | 1,293 |
| Net interest margin | 3.6882% | 4,191 |
| Noninterest income to average assets | 0.6759% | 3,111 |
| Noninterest expense to average assets | 2.7089% | 5,350 |
| Loan and lease loss provision to assets | 0.5273% | 3,734 |
| Net operating income to assets | 0.9282% | 2,083 |
| Return on assets (ROA) | 0.9358% | 2,122 |
| Pretax return on assets | 0.9358% | 2,810 |
| Return on Equity (ROE) | 12.0405% | 1,154 |
| Retained earnings to average equity (ytd only) | 5.7492% | 1,448 |
| Net charge-offs to loans | 0.1119% | 6,040 |
| Credit loss provision to net charge-offs | 540.7767% | 558 |
| Earnings coverage of net charge-offs (x) | 14.9272% | 1,342 |
| Efficiency ratio | 65.0489% | 5,572 |
| Assets per employee ($millions) | 3.7741% | 4,344 |
| Cash dividends to net income (ytd only)* | 52.2509% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 3,460 |
| Loan loss allowance to noncurrent loans | 171.4286% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 1.3367% | 4,426 |
| Noncurrent loans to loans | 0.9058% | 5,493 |
| Net loans and leases to total assets | 86.8897% | 227 |
| Net loans and leases to deposits | 107.4183% | 486 |
| Net loans and leases to core deposits | 130.3655% | 1,261 |
| Total domestic deposits to total assets | 80.8891% | 5,377 |
| Equity capital to assets | 7.5812% | 6,959 |
| Core capital (leverage) ratio | 7.6653% | 6,592 |
| Tier 1 risk-based capital ratio | 9.6178% | 7,146 |
| Total risk-based capital ratio | 10.8741% | 7,120 |
| Memoranda: | ||
| Average total assets | $211,268,000 | 3,055 |
| Average earning assets | $199,826,200 | 2,971 |
| Average equity | $16,419,600 | 3,797 |
| Average total loans | $184,153,000 | 2,469 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0927% | 1,675 |
| Cost of funding earning assets | 2.5054% | 1,281 |
| Net interest margin | 3.5874% | 4,526 |
| Noninterest income to average assets | 0.6298% | 3,495 |
| Noninterest expense to average assets | 2.7448% | 5,125 |
| Loan and lease loss provision to assets | 0.2961% | 4,602 |
| Net operating income to assets | 0.9820% | 2,120 |
| Return on assets (ROA) | 1.0030% | 2,104 |
| Pretax return on assets | 1.0030% | 2,897 |
| Return on Equity (ROE) | 12.8235% | 1,143 |
| Retained earnings to average equity (ytd only) | 11.3254% | 438 |
| Net charge-offs to loans | 0.0960% | 5,715 |
| Credit loss provision to net charge-offs | 354.9618% | 1,157 |
| Earnings coverage of net charge-offs (x) | 15.3208% | 1,541 |
| Efficiency ratio | 68.2286% | 4,927 |
| Assets per employee ($millions) | 3.6884% | 4,455 |
| Cash dividends to net income (ytd only)* | 11.6827% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 4,477 |
| Loan loss allowance to noncurrent loans | 187.6257% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 1.4655% | 4,178 |
| Noncurrent loans to loans | 0.6953% | 5,910 |
| Net loans and leases to total assets | 87.2998% | 250 |
| Net loans and leases to deposits | 105.8698% | 658 |
| Net loans and leases to core deposits | 127.1927% | 1,639 |
| Total domestic deposits to total assets | 82.4596% | 4,469 |
| Equity capital to assets | 8.1826% | 6,661 |
| Core capital (leverage) ratio | 8.1159% | 6,159 |
| Tier 1 risk-based capital ratio | 10.1804% | 6,800 |
| Total risk-based capital ratio | 11.4329% | 6,740 |
| Memoranda: | ||
| Average total assets | $209,361,000 | 3,095 |
| Average earning assets | $198,022,750 | 3,011 |
| Average equity | $16,375,750 | 3,838 |
| Average total loans | $181,891,750 | 2,515 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0733% | 1,888 |
| Cost of funding earning assets | 2.5580% | 1,413 |
| Net interest margin | 3.5153% | 4,731 |
| Noninterest income to average assets | 0.6247% | 3,502 |
| Noninterest expense to average assets | 2.7025% | 5,378 |
| Loan and lease loss provision to assets | 0.1789% | 5,255 |
| Net operating income to assets | 1.0628% | 1,907 |
| Return on assets (ROA) | 1.0944% | 1,864 |
| Pretax return on assets | 1.0944% | 2,660 |
| Return on Equity (ROE) | 14.2112% | 956 |
| Retained earnings to average equity (ytd only) | 12.6832% | 360 |
| Net charge-offs to loans | 0.0908% | 5,275 |
| Credit loss provision to net charge-offs | 228.0488% | 2,017 |
| Earnings coverage of net charge-offs (x) | 15.8293% | 1,572 |
| Efficiency ratio | 68.5181% | 5,067 |
| Assets per employee ($millions) | 3.6404% | 4,471 |
| Cash dividends to net income (ytd only)* | 10.7517% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 4,766 |
| Loan loss allowance to noncurrent loans | 322.1408% | 977 |
| Noncurrent assets plus other real estate owned to assets | 1.1575% | 4,627 |
| Noncurrent loans to loans | 0.3810% | 6,556 |
| Net loans and leases to total assets | 83.7399% | 677 |
| Net loans and leases to deposits | 96.8817% | 1,670 |
| Net loans and leases to core deposits | 118.8783% | 2,466 |
| Total domestic deposits to total assets | 86.4352% | 2,547 |
| Equity capital to assets | 7.8521% | 6,910 |
| Core capital (leverage) ratio | 7.9324% | 6,440 |
| Tier 1 risk-based capital ratio | 10.0756% | 6,848 |
| Total risk-based capital ratio | 11.3271% | 6,775 |
| Memoranda: | ||
| Average total assets | $209,068,000 | 3,116 |
| Average earning assets | $197,420,670 | 3,035 |
| Average equity | $16,100,000 | 3,898 |
| Average total loans | $180,534,000 | 2,566 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1202% | 1,875 |
| Cost of funding earning assets | 2.6008% | 1,561 |
| Net interest margin | 3.5194% | 4,651 |
| Noninterest income to average assets | 0.5403% | 3,993 |
| Noninterest expense to average assets | 2.6535% | 5,208 |
| Loan and lease loss provision to assets | 0.2673% | 3,823 |
| Net operating income to assets | 0.9422% | 2,538 |
| Return on assets (ROA) | 0.9979% | 2,458 |
| Pretax return on assets | 0.9979% | 3,353 |
| Return on Equity (ROE) | 13.0891% | 1,365 |
| Retained earnings to average equity (ytd only) | 11.5507% | 873 |
| Net charge-offs to loans | 0.0132% | 5,420 |
| Credit loss provision to net charge-offs | 2,316.6667% | 281 |
| Earnings coverage of net charge-offs (x) | 104.8333% | 416 |
| Efficiency ratio | 68.6909% | 4,838 |
| Assets per employee ($millions) | 3.7650% | 4,189 |
| Cash dividends to net income (ytd only)* | 11.7534% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 4,603 |
| Loan loss allowance to noncurrent loans | 102.7239% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 1.6936% | 3,387 |
| Noncurrent loans to loans | 1.1948% | 4,583 |
| Net loans and leases to total assets | 86.4714% | 388 |
| Net loans and leases to deposits | 100.0279% | 1,404 |
| Net loans and leases to core deposits | 122.9818% | 2,169 |
| Total domestic deposits to total assets | 86.4473% | 2,481 |
| Equity capital to assets | 7.7765% | 7,098 |
| Core capital (leverage) ratio | 7.6675% | 6,931 |
| Tier 1 risk-based capital ratio | 9.7796% | 7,165 |
| Total risk-based capital ratio | 11.0305% | 7,072 |
| Memoranda: | ||
| Average total assets | $208,031,000 | 3,141 |
| Average earning assets | $196,399,500 | 3,062 |
| Average equity | $15,860,500 | 3,975 |
| Average total loans | $181,297,500 | 2,578 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8638% | 1,503 |
| Cost of funding earning assets | 3.1495% | 1,355 |
| Net interest margin | 3.7143% | 4,406 |
| Noninterest income to average assets | 0.5611% | 4,149 |
| Noninterest expense to average assets | 2.7189% | 5,179 |
| Loan and lease loss provision to assets | 0.3197% | 3,815 |
| Net operating income to assets | 0.4153% | 5,093 |
| Return on assets (ROA) | 0.4417% | 4,808 |
| Pretax return on assets | 1.0721% | 3,128 |
| Return on Equity (ROE) | 5.7486% | 4,044 |
| Retained earnings to average equity (ytd only) | 4.1416% | 2,550 |
| Net charge-offs to loans | 0.2240% | 3,990 |
| Credit loss provision to net charge-offs | 169.8667% | 3,020 |
| Earnings coverage of net charge-offs (x) | 7.1760% | 3,167 |
| Efficiency ratio | 66.8106% | 4,941 |
| Assets per employee ($millions) | 3.7998% | 3,959 |
| Cash dividends to net income (ytd only)* | 27.9545% | 4,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 4,889 |
| Loan loss allowance to noncurrent loans | 194.6047% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 1.0527% | 4,188 |
| Noncurrent loans to loans | 0.5929% | 5,595 |
| Net loans and leases to total assets | 85.7552% | 629 |
| Net loans and leases to deposits | 105.1267% | 1,209 |
| Net loans and leases to core deposits | 126.7389% | 2,104 |
| Total domestic deposits to total assets | 81.5732% | 4,378 |
| Equity capital to assets | 7.4731% | 7,406 |
| Core capital (leverage) ratio | 7.2981% | 7,421 |
| Tier 1 risk-based capital ratio | 9.3670% | 7,441 |
| Total risk-based capital ratio | 10.6170% | 7,372 |
| Memoranda: | ||
| Average total assets | $199,237,000 | 3,147 |
| Average earning assets | $188,189,600 | 3,069 |
| Average equity | $15,308,200 | 4,072 |
| Average total loans | $167,399,600 | 2,658 |