Home > Clear Lake Bank and Trust Company > Performance and Condition Ratios
Clear Lake Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6806% | 2,721 |
| Cost of funding earning assets | 1.3768% | 2,288 |
| Net interest margin | 3.3038% | 2,625 |
| Noninterest income to average assets | 0.8600% | 824 |
| Noninterest expense to average assets | 2.3916% | 2,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4592% | 1,099 |
| Return on assets (ROA) | 1.4664% | 1,055 |
| Pretax return on assets | 1.5369% | 1,348 |
| Return on Equity (ROE) | 19.4700% | 661 |
| Retained earnings to average equity (ytd only) | 5.5487% | 2,394 |
| Net charge-offs to loans | 0.0179% | 2,001 |
| Credit loss provision to net charge-offs | -468.5714% | 4,538 |
| Earnings coverage of net charge-offs (x) | 121.5429% | 817 |
| Efficiency ratio | 60.9629% | 2,976 |
| Assets per employee ($millions) | 6.6321% | 2,314 |
| Cash dividends to net income (ytd only)* | 71.5056% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 1,521 |
| Loan loss allowance to noncurrent loans | 2,680.8411% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 3,378 |
| Noncurrent loans to loans | 0.0510% | 3,360 |
| Net loans and leases to total assets | 71.7300% | 1,614 |
| Net loans and leases to deposits | 78.7987% | 2,208 |
| Net loans and leases to core deposits | 84.3651% | 2,431 |
| Total domestic deposits to total assets | 91.0400% | 494 |
| Equity capital to assets | 7.6790% | 3,612 |
| Core capital (leverage) ratio | 8.0949% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0836% | 2,560 |
| Memoranda: | ||
| Average total assets | $556,185,400 | 1,595 |
| Average earning assets | $514,594,200 | 1,589 |
| Average equity | $41,883,600 | 1,821 |
| Average total loans | $391,954,200 | 1,497 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5836% | 2,719 |
| Cost of funding earning assets | 1.2232% | 2,359 |
| Net interest margin | 3.3604% | 2,547 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 2.4317% | 2,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4622% | 1,201 |
| Return on assets (ROA) | 1.4674% | 1,178 |
| Pretax return on assets | 1.5192% | 1,520 |
| Return on Equity (ROE) | 19.5900% | 765 |
| Retained earnings to average equity (ytd only) | 6.4085% | 2,494 |
| Net charge-offs to loans | 0.0187% | 1,753 |
| Credit loss provision to net charge-offs | -461.1111% | 4,572 |
| Earnings coverage of net charge-offs (x) | 115.8704% | 857 |
| Efficiency ratio | 61.5908% | 2,770 |
| Assets per employee ($millions) | 6.4069% | 2,391 |
| Cash dividends to net income (ytd only)* | 67.2823% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 1,293 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 72.5200% | 1,511 |
| Net loans and leases to deposits | 79.7607% | 2,072 |
| Net loans and leases to core deposits | 84.1829% | 2,315 |
| Total domestic deposits to total assets | 90.9200% | 691 |
| Equity capital to assets | 7.6001% | 3,292 |
| Core capital (leverage) ratio | 8.3079% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2759% | 2,516 |
| Memoranda: | ||
| Average total assets | $550,984,250 | 1,608 |
| Average earning assets | $509,926,750 | 1,601 |
| Average equity | $41,277,750 | 1,825 |
| Average total loans | $385,032,750 | 1,512 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4792% | 2,698 |
| Cost of funding earning assets | 1.0747% | 2,365 |
| Net interest margin | 3.4045% | 2,500 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.4567% | 2,326 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4318% | 1,255 |
| Return on assets (ROA) | 1.4371% | 1,229 |
| Pretax return on assets | 1.4879% | 1,623 |
| Return on Equity (ROE) | 19.2800% | 796 |
| Retained earnings to average equity (ytd only) | 5.8571% | 2,674 |
| Net charge-offs to loans | 0.0053% | 2,070 |
| Credit loss provision to net charge-offs | -2,490.0000% | 4,648 |
| Earnings coverage of net charge-offs (x) | 408.5000% | 353 |
| Efficiency ratio | 62.3238% | 2,674 |
| Assets per employee ($millions) | 6.4433% | 2,337 |
| Cash dividends to net income (ytd only)* | 69.6135% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 1,069 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 67.8900% | 1,968 |
| Net loans and leases to deposits | 74.6508% | 2,433 |
| Net loans and leases to core deposits | 77.8904% | 2,622 |
| Total domestic deposits to total assets | 90.9400% | 668 |
| Equity capital to assets | 7.4529% | 3,549 |
| Core capital (leverage) ratio | 8.1615% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6549% | 2,416 |
| Memoranda: | ||
| Average total assets | $550,982,333 | 1,602 |
| Average earning assets | $510,853,333 | 1,597 |
| Average equity | $41,078,333 | 1,840 |
| Average total loans | $378,241,000 | 1,516 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 2,568 |
| Cost of funding earning assets | 0.9185% | 2,315 |
| Net interest margin | 3.4726% | 2,446 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.4055% | 2,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5125% | 1,160 |
| Return on assets (ROA) | 1.5202% | 1,126 |
| Pretax return on assets | 1.5835% | 1,505 |
| Return on Equity (ROE) | 20.3900% | 714 |
| Retained earnings to average equity (ytd only) | 13.5519% | 1,000 |
| Net charge-offs to loans | -0.0053% | 3,660 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.3877% | 2,910 |
| Assets per employee ($millions) | 6.7129% | 2,184 |
| Cash dividends to net income (ytd only)* | 33.5249% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6469% | 915 |
| Loan loss allowance to noncurrent loans | 9,303.0303% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 3,740 |
| Noncurrent loans to loans | 0.0177% | 3,662 |
| Net loans and leases to total assets | 66.6200% | 1,996 |
| Net loans and leases to deposits | 73.3917% | 2,346 |
| Net loans and leases to core deposits | 75.4413% | 2,574 |
| Total domestic deposits to total assets | 90.7700% | 878 |
| Equity capital to assets | 7.6578% | 3,474 |
| Core capital (leverage) ratio | 8.1927% | 4,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5603% | 2,555 |
| Memoranda: | ||
| Average total assets | $549,412,000 | 1,627 |
| Average earning assets | $509,935,000 | 1,620 |
| Average equity | $40,968,500 | 1,869 |
| Average total loans | $376,332,500 | 1,536 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7120% | 2,496 |
| Cost of funding earning assets | 0.3216% | 2,713 |
| Net interest margin | 3.3904% | 2,290 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 2.3566% | 2,561 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.6070% | 681 |
| Return on assets (ROA) | 1.5544% | 737 |
| Pretax return on assets | 1.6343% | 1,072 |
| Return on Equity (ROE) | 21.2300% | 378 |
| Retained earnings to average equity (ytd only) | 6.6058% | 2,408 |
| Net charge-offs to loans | 0.0146% | 1,838 |
| Credit loss provision to net charge-offs | 226.4151% | 1,048 |
| Earnings coverage of net charge-offs (x) | 177.8113% | 705 |
| Efficiency ratio | 57.8616% | 3,357 |
| Assets per employee ($millions) | 6.6874% | 2,189 |
| Cash dividends to net income (ytd only)* | 68.8866% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 946 |
| Loan loss allowance to noncurrent loans | 1,159.7353% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 2,868 |
| Noncurrent loans to loans | 0.1393% | 2,819 |
| Net loans and leases to total assets | 68.1500% | 1,813 |
| Net loans and leases to deposits | 75.0807% | 2,174 |
| Net loans and leases to core deposits | 77.7657% | 2,298 |
| Total domestic deposits to total assets | 90.7700% | 1,032 |
| Equity capital to assets | 7.2550% | 3,517 |
| Core capital (leverage) ratio | 7.9274% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0203% | 2,729 |
| Memoranda: | ||
| Average total assets | $550,631,800 | 1,607 |
| Average earning assets | $512,413,200 | 1,599 |
| Average equity | $40,313,000 | 1,908 |
| Average total loans | $362,347,000 | 1,509 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5016% | 2,610 |
| Cost of funding earning assets | 0.2138% | 3,105 |
| Net interest margin | 3.2878% | 2,331 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 2.3047% | 2,619 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.4735% | 906 |
| Return on assets (ROA) | 1.4709% | 890 |
| Pretax return on assets | 1.5464% | 1,284 |
| Return on Equity (ROE) | 20.0500% | 433 |
| Retained earnings to average equity (ytd only) | 6.7283% | 2,470 |
| Net charge-offs to loans | 0.0101% | 1,745 |
| Credit loss provision to net charge-offs | 333.3333% | 763 |
| Earnings coverage of net charge-offs (x) | 240.5185% | 554 |
| Efficiency ratio | 59.3996% | 3,200 |
| Assets per employee ($millions) | 6.4599% | 2,357 |
| Cash dividends to net income (ytd only)* | 66.4364% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6428% | 983 |
| Loan loss allowance to noncurrent loans | 268.3151% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 1,276 |
| Noncurrent loans to loans | 0.6123% | 1,321 |
| Net loans and leases to total assets | 68.4600% | 1,623 |
| Net loans and leases to deposits | 75.5102% | 1,920 |
| Net loans and leases to core deposits | 78.1972% | 2,023 |
| Total domestic deposits to total assets | 90.6600% | 1,382 |
| Equity capital to assets | 7.1963% | 3,409 |
| Core capital (leverage) ratio | 7.8954% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2320% | 2,740 |
| Memoranda: | ||
| Average total assets | $551,197,750 | 1,613 |
| Average earning assets | $513,232,500 | 1,611 |
| Average equity | $40,445,250 | 1,930 |
| Average total loans | $357,975,000 | 1,514 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3607% | 2,545 |
| Cost of funding earning assets | 0.1631% | 3,400 |
| Net interest margin | 3.1976% | 2,195 |
| Noninterest income to average assets | 0.7979% | 1,047 |
| Noninterest expense to average assets | 2.2607% | 2,670 |
| Loan and lease loss provision to assets | 0.0216% | 2,214 |
| Net operating income to assets | 1.4186% | 865 |
| Return on assets (ROA) | 1.4139% | 852 |
| Pretax return on assets | 1.4865% | 1,209 |
| Return on Equity (ROE) | 19.1498% | 372 |
| Retained earnings to average equity (ytd only) | 6.4482% | 2,189 |
| Net charge-offs to loans | 0.0057% | 1,796 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 420.8000% | 302 |
| Efficiency ratio | 59.8380% | 3,320 |
| Assets per employee ($millions) | 6.6639% | 2,191 |
| Cash dividends to net income (ytd only)* | 66.3276% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 930 |
| Loan loss allowance to noncurrent loans | 265.5816% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 1,359 |
| Noncurrent loans to loans | 0.6474% | 1,322 |
| Net loans and leases to total assets | 63.2344% | 1,990 |
| Net loans and leases to deposits | 69.6566% | 2,247 |
| Net loans and leases to core deposits | 71.3682% | 2,384 |
| Total domestic deposits to total assets | 90.7802% | 1,352 |
| Equity capital to assets | 7.1632% | 3,683 |
| Core capital (leverage) ratio | 7.4947% | 4,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4219% | 2,696 |
| Memoranda: | ||
| Average total assets | $556,207,667 | 1,607 |
| Average earning assets | $517,631,333 | 1,617 |
| Average equity | $41,065,667 | 1,957 |
| Average total loans | $352,901,667 | 1,521 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2503% | 2,534 |
| Cost of funding earning assets | 0.1581% | 3,398 |
| Net interest margin | 3.0922% | 2,200 |
| Noninterest income to average assets | 0.7602% | 1,147 |
| Noninterest expense to average assets | 2.2397% | 2,719 |
| Loan and lease loss provision to assets | 0.0215% | 1,968 |
| Net operating income to assets | 1.3079% | 988 |
| Return on assets (ROA) | 1.3045% | 988 |
| Pretax return on assets | 1.3712% | 1,326 |
| Return on Equity (ROE) | 17.4115% | 377 |
| Retained earnings to average equity (ytd only) | 11.5534% | 663 |
| Net charge-offs to loans | 0.0034% | 1,656 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 649.0000% | 153 |
| Efficiency ratio | 61.5187% | 3,325 |
| Assets per employee ($millions) | 6.6598% | 2,255 |
| Cash dividends to net income (ytd only)* | 33.6449% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 1,037 |
| Loan loss allowance to noncurrent loans | 266.4336% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 1,480 |
| Noncurrent loans to loans | 0.6420% | 1,470 |
| Net loans and leases to total assets | 62.6204% | 1,784 |
| Net loans and leases to deposits | 69.0527% | 2,046 |
| Net loans and leases to core deposits | 70.1053% | 2,284 |
| Total domestic deposits to total assets | 90.6849% | 1,189 |
| Equity capital to assets | 7.3214% | 4,037 |
| Core capital (leverage) ratio | 7.6864% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4058% | 2,806 |
| Memoranda: | ||
| Average total assets | $557,759,500 | 1,607 |
| Average earning assets | $518,719,500 | 1,619 |
| Average equity | $41,788,500 | 1,980 |
| Average total loans | $351,417,000 | 1,519 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6402% | 2,281 |
| Cost of funding earning assets | 0.2353% | 3,082 |
| Net interest margin | 3.4049% | 2,012 |
| Noninterest income to average assets | 1.0387% | 930 |
| Noninterest expense to average assets | 2.4308% | 2,392 |
| Loan and lease loss provision to assets | 0.1333% | 915 |
| Net operating income to assets | 1.5635% | 890 |
| Return on assets (ROA) | 1.5679% | 909 |
| Pretax return on assets | 1.6490% | 1,276 |
| Return on Equity (ROE) | 19.7694% | 319 |
| Retained earnings to average equity (ytd only) | 4.9680% | 2,793 |
| Net charge-offs to loans | 0.0091% | 2,236 |
| Credit loss provision to net charge-offs | 2,250.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 300.0313% | 412 |
| Efficiency ratio | 57.6576% | 3,499 |
| Assets per employee ($millions) | 6.6202% | 2,222 |
| Cash dividends to net income (ytd only)* | 74.8701% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7519% | 946 |
| Loan loss allowance to noncurrent loans | 259.8031% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 1,561 |
| Noncurrent loans to loans | 0.6743% | 1,483 |
| Net loans and leases to total assets | 61.2046% | 2,042 |
| Net loans and leases to deposits | 67.7894% | 2,329 |
| Net loans and leases to core deposits | 68.8502% | 2,571 |
| Total domestic deposits to total assets | 90.2864% | 822 |
| Equity capital to assets | 7.6640% | 4,524 |
| Core capital (leverage) ratio | 7.5561% | 4,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5522% | 2,764 |
| Memoranda: | ||
| Average total assets | $540,072,400 | 1,600 |
| Average earning assets | $502,773,000 | 1,598 |
| Average equity | $42,833,800 | 1,983 |
| Average total loans | $351,721,800 | 1,509 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 2,023 |
| Cost of funding earning assets | 0.2558% | 3,061 |
| Net interest margin | 3.5407% | 1,758 |
| Noninterest income to average assets | 0.9986% | 1,073 |
| Noninterest expense to average assets | 2.3561% | 2,583 |
| Loan and lease loss provision to assets | 0.1343% | 852 |
| Net operating income to assets | 1.7137% | 805 |
| Return on assets (ROA) | 1.7182% | 834 |
| Pretax return on assets | 1.8072% | 1,149 |
| Return on Equity (ROE) | 21.4758% | 325 |
| Retained earnings to average equity (ytd only) | 8.1576% | 2,006 |
| Net charge-offs to loans | 0.0106% | 1,929 |
| Credit loss provision to net charge-offs | 1,928.5714% | 336 |
| Earnings coverage of net charge-offs (x) | 278.1071% | 458 |
| Efficiency ratio | 54.7798% | 3,694 |
| Assets per employee ($millions) | 6.4280% | 2,313 |
| Cash dividends to net income (ytd only)* | 62.0151% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 1,124 |
| Loan loss allowance to noncurrent loans | 238.7763% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 1,618 |
| Noncurrent loans to loans | 0.7088% | 1,572 |
| Net loans and leases to total assets | 64.9439% | 1,664 |
| Net loans and leases to deposits | 72.5676% | 2,000 |
| Net loans and leases to core deposits | 73.7926% | 2,258 |
| Total domestic deposits to total assets | 89.4944% | 1,015 |
| Equity capital to assets | 8.2565% | 4,379 |
| Core capital (leverage) ratio | 7.7433% | 4,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9494% | 2,721 |
| Memoranda: | ||
| Average total assets | $536,067,000 | 1,622 |
| Average earning assets | $498,754,500 | 1,619 |
| Average equity | $42,887,500 | 2,010 |
| Average total loans | $353,046,250 | 1,535 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0281% | 1,504 |
| Cost of funding earning assets | 0.2773% | 3,013 |
| Net interest margin | 3.7508% | 1,218 |
| Noninterest income to average assets | 0.9680% | 1,121 |
| Noninterest expense to average assets | 2.3129% | 2,729 |
| Loan and lease loss provision to assets | 0.1336% | 922 |
| Net operating income to assets | 1.9143% | 570 |
| Return on assets (ROA) | 1.9185% | 595 |
| Pretax return on assets | 2.0183% | 811 |
| Return on Equity (ROE) | 24.2334% | 222 |
| Retained earnings to average equity (ytd only) | 10.9053% | 1,145 |
| Net charge-offs to loans | 0.0124% | 1,710 |
| Credit loss provision to net charge-offs | 1,636.3636% | 339 |
| Earnings coverage of net charge-offs (x) | 263.0909% | 415 |
| Efficiency ratio | 51.7551% | 4,067 |
| Assets per employee ($millions) | 6.8741% | 1,893 |
| Cash dividends to net income (ytd only)* | 54.9990% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 1,166 |
| Loan loss allowance to noncurrent loans | 183.2746% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5747% | 1,450 |
| Noncurrent loans to loans | 0.9017% | 1,375 |
| Net loans and leases to total assets | 62.6863% | 2,098 |
| Net loans and leases to deposits | 69.8048% | 2,433 |
| Net loans and leases to core deposits | 70.7954% | 2,702 |
| Total domestic deposits to total assets | 89.8023% | 871 |
| Equity capital to assets | 7.9849% | 4,545 |
| Core capital (leverage) ratio | 7.5431% | 4,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2229% | 2,639 |
| Memoranda: | ||
| Average total assets | $539,056,667 | 1,601 |
| Average earning assets | $501,921,333 | 1,600 |
| Average equity | $42,676,667 | 2,007 |
| Average total loans | $354,658,000 | 1,542 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 1,063 |
| Cost of funding earning assets | 0.3082% | 2,907 |
| Net interest margin | 3.9772% | 875 |
| Noninterest income to average assets | 0.9973% | 1,133 |
| Noninterest expense to average assets | 2.3260% | 2,706 |
| Loan and lease loss provision to assets | 0.1341% | 1,010 |
| Net operating income to assets | 2.1269% | 466 |
| Return on assets (ROA) | 2.1368% | 497 |
| Pretax return on assets | 2.2485% | 637 |
| Return on Equity (ROE) | 27.1082% | 203 |
| Retained earnings to average equity (ytd only) | 21.3256% | 228 |
| Net charge-offs to loans | 0.0089% | 1,592 |
| Credit loss provision to net charge-offs | 2,250.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 398.1250% | 231 |
| Efficiency ratio | 49.4134% | 4,235 |
| Assets per employee ($millions) | 6.7666% | 1,963 |
| Cash dividends to net income (ytd only)* | 21.3315% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 1,512 |
| Loan loss allowance to noncurrent loans | 180.0000% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 1,685 |
| Noncurrent loans to loans | 0.8486% | 1,579 |
| Net loans and leases to total assets | 65.3185% | 1,893 |
| Net loans and leases to deposits | 72.6200% | 2,254 |
| Net loans and leases to core deposits | 74.4248% | 2,475 |
| Total domestic deposits to total assets | 89.9456% | 843 |
| Equity capital to assets | 7.8987% | 4,545 |
| Core capital (leverage) ratio | 7.9010% | 4,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2029% | 2,591 |
| Memoranda: | ||
| Average total assets | $537,059,000 | 1,592 |
| Average earning assets | $499,748,000 | 1,589 |
| Average equity | $42,334,000 | 2,012 |
| Average total loans | $358,917,500 | 1,531 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 2,357 |
| Cost of funding earning assets | 0.5316% | 2,739 |
| Net interest margin | 3.5917% | 2,164 |
| Noninterest income to average assets | 1.0901% | 897 |
| Noninterest expense to average assets | 2.8350% | 1,847 |
| Loan and lease loss provision to assets | 0.1894% | 2,051 |
| Net operating income to assets | 1.3269% | 1,186 |
| Return on assets (ROA) | 1.3314% | 1,266 |
| Pretax return on assets | 1.3959% | 1,670 |
| Return on Equity (ROE) | 16.1389% | 488 |
| Retained earnings to average equity (ytd only) | 4.1075% | 2,757 |
| Net charge-offs to loans | 0.0128% | 2,874 |
| Credit loss provision to net charge-offs | 2,021.7391% | 441 |
| Earnings coverage of net charge-offs (x) | 168.7391% | 522 |
| Efficiency ratio | 64.0564% | 2,813 |
| Assets per employee ($millions) | 6.4942% | 1,927 |
| Cash dividends to net income (ytd only)* | 74.5488% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 1,522 |
| Loan loss allowance to noncurrent loans | 164.4057% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6222% | 1,691 |
| Noncurrent loans to loans | 0.9239% | 1,523 |
| Net loans and leases to total assets | 66.3266% | 2,045 |
| Net loans and leases to deposits | 73.7901% | 2,507 |
| Net loans and leases to core deposits | 77.0299% | 2,634 |
| Total domestic deposits to total assets | 89.8855% | 609 |
| Equity capital to assets | 7.8658% | 4,755 |
| Core capital (leverage) ratio | 7.5246% | 4,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4839% | 2,805 |
| Memoranda: | ||
| Average total assets | $491,070,200 | 1,578 |
| Average earning assets | $454,685,200 | 1,582 |
| Average equity | $40,510,800 | 2,002 |
| Average total loans | $358,530,200 | 1,484 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 2,009 |
| Cost of funding earning assets | 0.5847% | 2,713 |
| Net interest margin | 3.7495% | 1,767 |
| Noninterest income to average assets | 1.1076% | 847 |
| Noninterest expense to average assets | 2.9263% | 1,629 |
| Loan and lease loss provision to assets | 0.2017% | 1,979 |
| Net operating income to assets | 1.3802% | 1,152 |
| Return on assets (ROA) | 1.3849% | 1,233 |
| Pretax return on assets | 1.4557% | 1,558 |
| Return on Equity (ROE) | 16.5775% | 486 |
| Retained earnings to average equity (ytd only) | 5.1950% | 2,474 |
| Net charge-offs to loans | 0.0052% | 2,954 |
| Credit loss provision to net charge-offs | 5,214.2857% | 219 |
| Earnings coverage of net charge-offs (x) | 427.0000% | 267 |
| Efficiency ratio | 63.7648% | 2,778 |
| Assets per employee ($millions) | 5.6468% | 2,584 |
| Cash dividends to net income (ytd only)* | 68.6627% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 1,778 |
| Loan loss allowance to noncurrent loans | 1,761.1486% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 4,148 |
| Noncurrent loans to loans | 0.0789% | 4,055 |
| Net loans and leases to total assets | 72.7600% | 1,546 |
| Net loans and leases to deposits | 81.3671% | 2,163 |
| Net loans and leases to core deposits | 85.2423% | 2,364 |
| Total domestic deposits to total assets | 89.4219% | 608 |
| Equity capital to assets | 8.1313% | 4,665 |
| Core capital (leverage) ratio | 7.6048% | 4,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2764% | 2,848 |
| Memoranda: | ||
| Average total assets | $482,331,000 | 1,579 |
| Average earning assets | $446,523,000 | 1,588 |
| Average equity | $40,294,500 | 2,002 |
| Average total loans | $359,593,500 | 1,474 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 1,621 |
| Cost of funding earning assets | 0.6458% | 2,723 |
| Net interest margin | 3.9656% | 1,411 |
| Noninterest income to average assets | 1.0699% | 870 |
| Noninterest expense to average assets | 3.1395% | 1,266 |
| Loan and lease loss provision to assets | 0.2069% | 1,985 |
| Net operating income to assets | 1.3379% | 1,252 |
| Return on assets (ROA) | 1.3447% | 1,333 |
| Pretax return on assets | 1.4097% | 1,704 |
| Return on Equity (ROE) | 15.9444% | 576 |
| Retained earnings to average equity (ytd only) | 7.0736% | 1,628 |
| Net charge-offs to loans | 0.0085% | 2,643 |
| Credit loss provision to net charge-offs | 3,266.6667% | 338 |
| Earnings coverage of net charge-offs (x) | 254.1333% | 367 |
| Efficiency ratio | 65.9673% | 2,522 |
| Assets per employee ($millions) | 5.6720% | 2,467 |
| Cash dividends to net income (ytd only)* | 55.6358% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 1,917 |
| Loan loss allowance to noncurrent loans | 1,720.4152% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 4,251 |
| Noncurrent loans to loans | 0.0766% | 4,150 |
| Net loans and leases to total assets | 71.3800% | 1,822 |
| Net loans and leases to deposits | 79.5650% | 2,479 |
| Net loans and leases to core deposits | 83.9375% | 2,610 |
| Total domestic deposits to total assets | 89.7129% | 488 |
| Equity capital to assets | 7.8764% | 4,776 |
| Core capital (leverage) ratio | 7.9062% | 4,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5115% | 2,813 |
| Memoranda: | ||
| Average total assets | $473,704,000 | 1,574 |
| Average earning assets | $439,478,333 | 1,581 |
| Average equity | $39,951,333 | 2,001 |
| Average total loans | $354,462,000 | 1,478 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 2,553 |
| Cost of funding earning assets | 0.7667% | 2,566 |
| Net interest margin | 3.6511% | 2,506 |
| Noninterest income to average assets | 0.8745% | 1,120 |
| Noninterest expense to average assets | 2.9268% | 2,054 |
| Loan and lease loss provision to assets | 0.0267% | 3,457 |
| Net operating income to assets | 1.2300% | 1,429 |
| Return on assets (ROA) | 1.2410% | 1,506 |
| Pretax return on assets | 1.3006% | 1,867 |
| Return on Equity (ROE) | 14.1709% | 662 |
| Retained earnings to average equity (ytd only) | 8.0759% | 1,210 |
| Net charge-offs to loans | 0.0070% | 2,320 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 246.5000% | 279 |
| Efficiency ratio | 68.8195% | 2,534 |
| Assets per employee ($millions) | 4.4730% | 3,300 |
| Cash dividends to net income (ytd only)* | 43.0108% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,185 |
| Loan loss allowance to noncurrent loans | 1,004.6667% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 2,552 |
| Noncurrent loans to loans | 0.1285% | 4,006 |
| Net loans and leases to total assets | 77.2828% | 1,088 |
| Net loans and leases to deposits | 87.4158% | 1,815 |
| Net loans and leases to core deposits | 93.9538% | 1,983 |
| Total domestic deposits to total assets | 88.4082% | 922 |
| Equity capital to assets | 8.8212% | 4,682 |
| Core capital (leverage) ratio | 8.6347% | 4,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0620% | 3,081 |
| Memoranda: | ||
| Average total assets | $449,642,000 | 1,613 |
| Average earning assets | $414,776,000 | 1,622 |
| Average equity | $39,376,500 | 2,008 |
| Average total loans | $342,966,500 | 1,476 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 2,365 |
| Cost of funding earning assets | 0.9221% | 2,102 |
| Net interest margin | 3.7649% | 2,626 |
| Noninterest income to average assets | 0.9804% | 1,014 |
| Noninterest expense to average assets | 2.7294% | 2,803 |
| Loan and lease loss provision to assets | 0.0868% | 2,281 |
| Net operating income to assets | 1.5560% | 930 |
| Return on assets (ROA) | 1.5560% | 986 |
| Pretax return on assets | 1.6316% | 1,393 |
| Return on Equity (ROE) | 17.9233% | 346 |
| Retained earnings to average equity (ytd only) | 4.4769% | 2,717 |
| Net charge-offs to loans | 0.0203% | 3,015 |
| Credit loss provision to net charge-offs | 547.8261% | 542 |
| Earnings coverage of net charge-offs (x) | 108.4203% | 640 |
| Efficiency ratio | 61.1579% | 3,515 |
| Assets per employee ($millions) | 4.8084% | 2,829 |
| Cash dividends to net income (ytd only)* | 75.0221% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 1,747 |
| Loan loss allowance to noncurrent loans | 1,053.1616% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 2,305 |
| Noncurrent loans to loans | 0.1272% | 4,013 |
| Net loans and leases to total assets | 73.2834% | 1,878 |
| Net loans and leases to deposits | 82.2905% | 2,526 |
| Net loans and leases to core deposits | 90.4353% | 2,382 |
| Total domestic deposits to total assets | 89.0545% | 647 |
| Equity capital to assets | 8.6941% | 4,829 |
| Core capital (leverage) ratio | 8.4271% | 4,881 |
| Tier 1 risk-based capital ratio | 10.9740% | 4,868 |
| Total risk-based capital ratio | 12.2325% | 4,768 |
| Memoranda: | ||
| Average total assets | $435,339,800 | 1,608 |
| Average earning assets | $400,942,200 | 1,621 |
| Average equity | $37,794,400 | 2,017 |
| Average total loans | $340,463,200 | 1,461 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7392% | 2,302 |
| Cost of funding earning assets | 0.9415% | 2,033 |
| Net interest margin | 3.7977% | 2,607 |
| Noninterest income to average assets | 0.9635% | 1,014 |
| Noninterest expense to average assets | 2.7468% | 2,722 |
| Loan and lease loss provision to assets | 0.1169% | 1,670 |
| Net operating income to assets | 1.5232% | 1,127 |
| Return on assets (ROA) | 1.5232% | 1,183 |
| Pretax return on assets | 1.5971% | 1,649 |
| Return on Equity (ROE) | 17.5522% | 430 |
| Retained earnings to average equity (ytd only) | 4.6392% | 3,086 |
| Net charge-offs to loans | 0.0086% | 3,060 |
| Credit loss provision to net charge-offs | 1,718.1818% | 222 |
| Earnings coverage of net charge-offs (x) | 251.9768% | 366 |
| Efficiency ratio | 61.3684% | 3,427 |
| Assets per employee ($millions) | 4.5483% | 3,124 |
| Cash dividends to net income (ytd only)* | 73.5688% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 1,836 |
| Loan loss allowance to noncurrent loans | 1,623.2143% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 2,367 |
| Noncurrent loans to loans | 0.0820% | 4,275 |
| Net loans and leases to total assets | 78.8513% | 1,011 |
| Net loans and leases to deposits | 89.8105% | 1,724 |
| Net loans and leases to core deposits | 96.9700% | 1,907 |
| Total domestic deposits to total assets | 87.7974% | 1,130 |
| Equity capital to assets | 9.1026% | 4,728 |
| Core capital (leverage) ratio | 8.5819% | 4,902 |
| Tier 1 risk-based capital ratio | 10.8708% | 4,964 |
| Total risk-based capital ratio | 12.1344% | 4,855 |
| Memoranda: | ||
| Average total assets | $431,178,500 | 1,632 |
| Average earning assets | $397,073,500 | 1,648 |
| Average equity | $37,419,000 | 2,045 |
| Average total loans | $341,647,250 | 1,467 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6695% | 2,453 |
| Cost of funding earning assets | 0.9391% | 1,968 |
| Net interest margin | 3.7304% | 2,830 |
| Noninterest income to average assets | 0.8909% | 1,091 |
| Noninterest expense to average assets | 2.7632% | 2,708 |
| Loan and lease loss provision to assets | 0.1166% | 1,608 |
| Net operating income to assets | 1.3890% | 1,461 |
| Return on assets (ROA) | 1.3890% | 1,519 |
| Pretax return on assets | 1.4561% | 2,011 |
| Return on Equity (ROE) | 16.2678% | 551 |
| Retained earnings to average equity (ytd only) | 2.9849% | 3,723 |
| Net charge-offs to loans | 0.0029% | 3,064 |
| Credit loss provision to net charge-offs | 5,040.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 680.0000% | 117 |
| Efficiency ratio | 63.5161% | 3,213 |
| Assets per employee ($millions) | 4.8629% | 2,644 |
| Cash dividends to net income (ytd only)* | 81.6517% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 2,115 |
| Loan loss allowance to noncurrent loans | 1,323.8806% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 2,476 |
| Noncurrent loans to loans | 0.0963% | 4,249 |
| Net loans and leases to total assets | 77.5711% | 1,299 |
| Net loans and leases to deposits | 87.6921% | 2,041 |
| Net loans and leases to core deposits | 97.4238% | 1,938 |
| Total domestic deposits to total assets | 88.4584% | 892 |
| Equity capital to assets | 8.5770% | 5,012 |
| Core capital (leverage) ratio | 8.3070% | 5,057 |
| Tier 1 risk-based capital ratio | 10.2743% | 5,177 |
| Total risk-based capital ratio | 11.5288% | 5,102 |
| Memoranda: | ||
| Average total assets | $432,391,670 | 1,626 |
| Average earning assets | $399,313,330 | 1,634 |
| Average equity | $36,919,670 | 2,065 |
| Average total loans | $341,641,330 | 1,469 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 2,546 |
| Cost of funding earning assets | 0.8943% | 2,032 |
| Net interest margin | 3.6996% | 2,892 |
| Noninterest income to average assets | 0.8771% | 1,090 |
| Noninterest expense to average assets | 2.6125% | 3,177 |
| Loan and lease loss provision to assets | 0.1179% | 1,488 |
| Net operating income to assets | 1.5005% | 1,116 |
| Return on assets (ROA) | 1.5005% | 1,146 |
| Pretax return on assets | 1.5735% | 1,538 |
| Return on Equity (ROE) | 17.6144% | 437 |
| Retained earnings to average equity (ytd only) | 10.9335% | 816 |
| Net charge-offs to loans | 0.0035% | 2,606 |
| Credit loss provision to net charge-offs | 4,200.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 602.3333% | 119 |
| Efficiency ratio | 60.4828% | 3,744 |
| Assets per employee ($millions) | 4.8270% | 2,753 |
| Cash dividends to net income (ytd only)* | 37.9289% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,345 |
| Loan loss allowance to noncurrent loans | 865.6627% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 2,349 |
| Noncurrent loans to loans | 0.1439% | 4,095 |
| Net loans and leases to total assets | 79.5324% | 902 |
| Net loans and leases to deposits | 90.0383% | 1,623 |
| Net loans and leases to core deposits | 99.6773% | 1,651 |
| Total domestic deposits to total assets | 88.3317% | 1,166 |
| Equity capital to assets | 8.6327% | 4,910 |
| Core capital (leverage) ratio | 8.4328% | 5,044 |
| Tier 1 risk-based capital ratio | 10.1528% | 5,255 |
| Total risk-based capital ratio | 11.3874% | 5,208 |
| Memoranda: | ||
| Average total assets | $427,326,500 | 1,649 |
| Average earning assets | $395,826,500 | 1,655 |
| Average equity | $36,402,000 | 2,079 |
| Average total loans | $338,610,000 | 1,486 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4796% | 2,519 |
| Cost of funding earning assets | 0.5947% | 2,765 |
| Net interest margin | 3.8848% | 2,379 |
| Noninterest income to average assets | 0.9291% | 1,109 |
| Noninterest expense to average assets | 2.6157% | 3,287 |
| Loan and lease loss provision to assets | 0.1297% | 1,701 |
| Net operating income to assets | 1.6884% | 709 |
| Return on assets (ROA) | 1.6903% | 704 |
| Pretax return on assets | 1.7649% | 1,015 |
| Return on Equity (ROE) | 19.7449% | 263 |
| Retained earnings to average equity (ytd only) | 5.1012% | 2,713 |
| Net charge-offs to loans | 0.0716% | 2,094 |
| Credit loss provision to net charge-offs | 231.5789% | 1,274 |
| Earnings coverage of net charge-offs (x) | 33.7982% | 1,484 |
| Efficiency ratio | 57.4145% | 4,229 |
| Assets per employee ($millions) | 4.7759% | 2,775 |
| Cash dividends to net income (ytd only)* | 74.1645% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,227 |
| Loan loss allowance to noncurrent loans | 1,745.0000% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 2,517 |
| Noncurrent loans to loans | 0.0725% | 4,430 |
| Net loans and leases to total assets | 76.9433% | 1,451 |
| Net loans and leases to deposits | 86.2979% | 2,238 |
| Net loans and leases to core deposits | 95.6527% | 2,087 |
| Total domestic deposits to total assets | 89.1602% | 797 |
| Equity capital to assets | 8.4032% | 4,986 |
| Core capital (leverage) ratio | 8.2720% | 5,137 |
| Tier 1 risk-based capital ratio | 10.0515% | 5,295 |
| Total risk-based capital ratio | 11.2718% | 5,252 |
| Memoranda: | ||
| Average total assets | $407,151,200 | 1,685 |
| Average earning assets | $375,124,400 | 1,700 |
| Average equity | $34,854,600 | 2,082 |
| Average total loans | $318,512,200 | 1,519 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 2,506 |
| Cost of funding earning assets | 0.5198% | 3,065 |
| Net interest margin | 3.9196% | 2,227 |
| Noninterest income to average assets | 0.9099% | 1,171 |
| Noninterest expense to average assets | 2.6012% | 3,275 |
| Loan and lease loss provision to assets | 0.1311% | 1,535 |
| Net operating income to assets | 1.7047% | 738 |
| Return on assets (ROA) | 1.7072% | 738 |
| Pretax return on assets | 1.7830% | 1,051 |
| Return on Equity (ROE) | 19.8462% | 286 |
| Retained earnings to average equity (ytd only) | 5.2811% | 3,072 |
| Net charge-offs to loans | 0.0879% | 1,623 |
| Credit loss provision to net charge-offs | 190.3846% | 1,441 |
| Earnings coverage of net charge-offs (x) | 27.7544% | 1,698 |
| Efficiency ratio | 57.0328% | 4,251 |
| Assets per employee ($millions) | 4.4481% | 3,202 |
| Cash dividends to net income (ytd only)* | 73.3903% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,336 |
| Loan loss allowance to noncurrent loans | 501.4760% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 2,144 |
| Noncurrent loans to loans | 0.2504% | 3,793 |
| Net loans and leases to total assets | 79.2109% | 1,132 |
| Net loans and leases to deposits | 89.2176% | 1,995 |
| Net loans and leases to core deposits | 96.9789% | 2,027 |
| Total domestic deposits to total assets | 88.7839% | 922 |
| Equity capital to assets | 8.6367% | 4,843 |
| Core capital (leverage) ratio | 8.4280% | 5,128 |
| Tier 1 risk-based capital ratio | 10.3399% | 5,284 |
| Total risk-based capital ratio | 11.5794% | 5,208 |
| Memoranda: | ||
| Average total assets | $402,675,750 | 1,707 |
| Average earning assets | $370,127,250 | 1,727 |
| Average equity | $34,638,750 | 2,092 |
| Average total loans | $315,330,750 | 1,537 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 2,611 |
| Cost of funding earning assets | 0.4781% | 3,170 |
| Net interest margin | 3.8653% | 2,329 |
| Noninterest income to average assets | 0.9020% | 1,177 |
| Noninterest expense to average assets | 2.6434% | 3,180 |
| Loan and lease loss provision to assets | 0.1314% | 1,510 |
| Net operating income to assets | 1.6147% | 893 |
| Return on assets (ROA) | 1.6185% | 886 |
| Pretax return on assets | 1.6911% | 1,237 |
| Return on Equity (ROE) | 18.8405% | 345 |
| Retained earnings to average equity (ytd only) | 4.2106% | 3,500 |
| Net charge-offs to loans | 0.0026% | 3,108 |
| Credit loss provision to net charge-offs | 6,600.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 913.7500% | 84 |
| Efficiency ratio | 58.6307% | 4,133 |
| Assets per employee ($millions) | 4.4340% | 3,230 |
| Cash dividends to net income (ytd only)* | 77.6514% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 2,105 |
| Loan loss allowance to noncurrent loans | 18,854.5455% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 2,784 |
| Noncurrent loans to loans | 0.0070% | 4,926 |
| Net loans and leases to total assets | 77.2949% | 1,424 |
| Net loans and leases to deposits | 87.0731% | 2,211 |
| Net loans and leases to core deposits | 94.3744% | 2,192 |
| Total domestic deposits to total assets | 88.7701% | 1,028 |
| Equity capital to assets | 8.5510% | 4,907 |
| Core capital (leverage) ratio | 8.4001% | 5,169 |
| Tier 1 risk-based capital ratio | 10.4533% | 5,290 |
| Total risk-based capital ratio | 11.7125% | 5,183 |
| Memoranda: | ||
| Average total assets | $401,976,330 | 1,718 |
| Average earning assets | $370,217,670 | 1,735 |
| Average equity | $34,532,000 | 2,103 |
| Average total loans | $312,207,000 | 1,551 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 2,695 |
| Cost of funding earning assets | 0.4204% | 3,441 |
| Net interest margin | 3.8333% | 2,286 |
| Noninterest income to average assets | 0.8793% | 1,204 |
| Noninterest expense to average assets | 2.6190% | 3,279 |
| Loan and lease loss provision to assets | 0.1316% | 1,438 |
| Net operating income to assets | 1.5893% | 880 |
| Return on assets (ROA) | 1.5932% | 873 |
| Pretax return on assets | 1.6599% | 1,220 |
| Return on Equity (ROE) | 18.5026% | 360 |
| Retained earnings to average equity (ytd only) | 10.9997% | 898 |
| Net charge-offs to loans | 0.0103% | 2,378 |
| Credit loss provision to net charge-offs | 1,650.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 224.1250% | 296 |
| Efficiency ratio | 58.8235% | 4,244 |
| Assets per employee ($millions) | 4.3590% | 3,383 |
| Cash dividends to net income (ytd only)* | 40.5507% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 2,270 |
| Loan loss allowance to noncurrent loans | 1,067.0213% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 2,557 |
| Noncurrent loans to loans | 0.1213% | 4,420 |
| Net loans and leases to total assets | 77.1062% | 1,369 |
| Net loans and leases to deposits | 86.9497% | 2,056 |
| Net loans and leases to core deposits | 91.7035% | 2,323 |
| Total domestic deposits to total assets | 88.6790% | 1,267 |
| Equity capital to assets | 8.7430% | 4,788 |
| Core capital (leverage) ratio | 8.6296% | 5,042 |
| Tier 1 risk-based capital ratio | 10.7652% | 5,260 |
| Total risk-based capital ratio | 12.0235% | 5,150 |
| Memoranda: | ||
| Average total assets | $401,217,000 | 1,731 |
| Average earning assets | $369,186,000 | 1,746 |
| Average equity | $34,546,500 | 2,121 |
| Average total loans | $310,296,000 | 1,558 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3470% | 2,191 |
| Cost of funding earning assets | 0.3829% | 3,405 |
| Net interest margin | 3.9641% | 1,866 |
| Noninterest income to average assets | 0.9168% | 1,225 |
| Noninterest expense to average assets | 2.5763% | 3,520 |
| Loan and lease loss provision to assets | 0.1316% | 1,742 |
| Net operating income to assets | 1.7266% | 497 |
| Return on assets (ROA) | 1.7268% | 511 |
| Pretax return on assets | 1.8202% | 753 |
| Return on Equity (ROE) | 20.0437% | 193 |
| Retained earnings to average equity (ytd only) | 4.6716% | 2,340 |
| Net charge-offs to loans | 0.1302% | 1,751 |
| Credit loss provision to net charge-offs | 129.6758% | 2,024 |
| Earnings coverage of net charge-offs (x) | 19.2269% | 2,030 |
| Efficiency ratio | 56.1270% | 4,760 |
| Assets per employee ($millions) | 4.4589% | 3,255 |
| Cash dividends to net income (ytd only)* | 76.6931% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,462 |
| Loan loss allowance to noncurrent loans | 1,606.6116% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 2,742 |
| Noncurrent loans to loans | 0.0779% | 4,647 |
| Net loans and leases to total assets | 75.6191% | 1,665 |
| Net loans and leases to deposits | 84.4464% | 2,444 |
| Net loans and leases to core deposits | 88.2983% | 2,697 |
| Total domestic deposits to total assets | 89.5469% | 753 |
| Equity capital to assets | 8.4808% | 5,136 |
| Core capital (leverage) ratio | 8.3739% | 5,239 |
| Tier 1 risk-based capital ratio | 10.3264% | 5,438 |
| Total risk-based capital ratio | 11.5433% | 5,372 |
| Memoranda: | ||
| Average total assets | $395,063,600 | 1,722 |
| Average earning assets | $359,880,200 | 1,753 |
| Average equity | $34,035,600 | 2,129 |
| Average total loans | $307,998,400 | 1,538 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 2,048 |
| Cost of funding earning assets | 0.3786% | 3,385 |
| Net interest margin | 3.9902% | 1,730 |
| Noninterest income to average assets | 0.9103% | 1,240 |
| Noninterest expense to average assets | 2.5940% | 3,427 |
| Loan and lease loss provision to assets | 0.1019% | 2,072 |
| Net operating income to assets | 1.7414% | 534 |
| Return on assets (ROA) | 1.7418% | 547 |
| Pretax return on assets | 1.8352% | 810 |
| Return on Equity (ROE) | 20.1361% | 215 |
| Retained earnings to average equity (ytd only) | 4.9888% | 2,895 |
| Net charge-offs to loans | 0.0009% | 3,766 |
| Credit loss provision to net charge-offs | 15,000.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 2,846.3708% | 23 |
| Efficiency ratio | 56.4797% | 4,681 |
| Assets per employee ($millions) | 4.2960% | 3,475 |
| Cash dividends to net income (ytd only)* | 75.2242% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 2,259 |
| Loan loss allowance to noncurrent loans | 1,168.6782% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 4,791 |
| Noncurrent loans to loans | 0.1130% | 4,606 |
| Net loans and leases to total assets | 77.7102% | 1,312 |
| Net loans and leases to deposits | 87.2970% | 2,149 |
| Net loans and leases to core deposits | 92.1432% | 2,423 |
| Total domestic deposits to total assets | 89.0182% | 878 |
| Equity capital to assets | 8.8554% | 5,027 |
| Core capital (leverage) ratio | 8.3233% | 5,356 |
| Tier 1 risk-based capital ratio | 10.6421% | 5,400 |
| Total risk-based capital ratio | 11.8932% | 5,329 |
| Memoranda: | ||
| Average total assets | $392,388,500 | 1,750 |
| Average earning assets | $356,031,250 | 1,791 |
| Average equity | $33,941,500 | 2,150 |
| Average total loans | $307,317,250 | 1,548 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 2,031 |
| Cost of funding earning assets | 0.3701% | 3,380 |
| Net interest margin | 3.9614% | 1,735 |
| Noninterest income to average assets | 0.9235% | 1,205 |
| Noninterest expense to average assets | 2.5616% | 3,547 |
| Loan and lease loss provision to assets | 0.1222% | 1,697 |
| Net operating income to assets | 1.7217% | 540 |
| Return on assets (ROA) | 1.7217% | 544 |
| Pretax return on assets | 1.8138% | 816 |
| Return on Equity (ROE) | 20.0619% | 216 |
| Retained earnings to average equity (ytd only) | 4.9354% | 2,752 |
| Net charge-offs to loans | 0.0215% | 2,793 |
| Credit loss provision to net charge-offs | 727.2727% | 486 |
| Earnings coverage of net charge-offs (x) | 115.2424% | 594 |
| Efficiency ratio | 56.1743% | 4,808 |
| Assets per employee ($millions) | 4.5002% | 3,107 |
| Cash dividends to net income (ytd only)* | 75.3992% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 2,498 |
| Loan loss allowance to noncurrent loans | 2,114.8936% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 5,042 |
| Noncurrent loans to loans | 0.0607% | 4,881 |
| Net loans and leases to total assets | 76.3909% | 1,484 |
| Net loans and leases to deposits | 85.4657% | 2,291 |
| Net loans and leases to core deposits | 90.1228% | 2,515 |
| Total domestic deposits to total assets | 89.3819% | 770 |
| Equity capital to assets | 8.5507% | 5,269 |
| Core capital (leverage) ratio | 8.1297% | 5,472 |
| Tier 1 risk-based capital ratio | 10.2471% | 5,560 |
| Total risk-based capital ratio | 11.4972% | 5,497 |
| Memoranda: | ||
| Average total assets | $392,872,670 | 1,748 |
| Average earning assets | $354,471,670 | 1,792 |
| Average equity | $33,715,670 | 2,154 |
| Average total loans | $307,135,000 | 1,546 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3153% | 1,916 |
| Cost of funding earning assets | 0.3527% | 3,498 |
| Net interest margin | 3.9626% | 1,571 |
| Noninterest income to average assets | 0.9593% | 1,083 |
| Noninterest expense to average assets | 2.6012% | 3,498 |
| Loan and lease loss provision to assets | 0.1234% | 1,559 |
| Net operating income to assets | 1.6903% | 563 |
| Return on assets (ROA) | 1.6903% | 575 |
| Pretax return on assets | 1.7807% | 834 |
| Return on Equity (ROE) | 19.6592% | 249 |
| Retained earnings to average equity (ytd only) | 12.6039% | 415 |
| Net charge-offs to loans | 0.0458% | 1,931 |
| Credit loss provision to net charge-offs | 342.8571% | 722 |
| Earnings coverage of net charge-offs (x) | 52.9143% | 868 |
| Efficiency ratio | 56.9603% | 4,839 |
| Assets per employee ($millions) | 4.6162% | 2,984 |
| Cash dividends to net income (ytd only)* | 35.8881% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 2,738 |
| Loan loss allowance to noncurrent loans | 2,321.6867% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 4,983 |
| Noncurrent loans to loans | 0.0544% | 4,977 |
| Net loans and leases to total assets | 75.8761% | 1,435 |
| Net loans and leases to deposits | 84.8028% | 2,182 |
| Net loans and leases to core deposits | 89.4875% | 2,398 |
| Total domestic deposits to total assets | 89.4736% | 909 |
| Equity capital to assets | 8.5793% | 5,179 |
| Core capital (leverage) ratio | 8.4587% | 5,256 |
| Tier 1 risk-based capital ratio | 10.3195% | 5,616 |
| Total risk-based capital ratio | 11.5477% | 5,561 |
| Memoranda: | ||
| Average total assets | $389,051,500 | 1,776 |
| Average earning assets | $348,153,000 | 1,838 |
| Average equity | $33,450,000 | 2,179 |
| Average total loans | $305,736,000 | 1,553 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 1,829 |
| Cost of funding earning assets | 0.3604% | 3,407 |
| Net interest margin | 4.0363% | 1,541 |
| Noninterest income to average assets | 0.9492% | 1,262 |
| Noninterest expense to average assets | 2.6561% | 3,504 |
| Loan and lease loss provision to assets | 0.1457% | 1,709 |
| Net operating income to assets | 1.7572% | 484 |
| Return on assets (ROA) | 1.7572% | 504 |
| Pretax return on assets | 1.8513% | 688 |
| Return on Equity (ROE) | 19.7351% | 220 |
| Retained earnings to average equity (ytd only) | 3.9410% | 3,117 |
| Net charge-offs to loans | 0.1164% | 2,095 |
| Credit loss provision to net charge-offs | 155.3009% | 1,771 |
| Earnings coverage of net charge-offs (x) | 21.2808% | 1,798 |
| Efficiency ratio | 56.2901% | 5,037 |
| Assets per employee ($millions) | 4.4837% | 3,138 |
| Cash dividends to net income (ytd only)* | 80.0306% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 2,939 |
| Loan loss allowance to noncurrent loans | 803.6247% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 4,702 |
| Noncurrent loans to loans | 0.1531% | 4,625 |
| Net loans and leases to total assets | 79.4065% | 976 |
| Net loans and leases to deposits | 88.8631% | 1,822 |
| Net loans and leases to core deposits | 93.7129% | 2,132 |
| Total domestic deposits to total assets | 89.3582% | 921 |
| Equity capital to assets | 8.6172% | 5,179 |
| Core capital (leverage) ratio | 8.3727% | 5,390 |
| Tier 1 risk-based capital ratio | 10.0286% | 5,729 |
| Total risk-based capital ratio | 11.2270% | 5,702 |
| Memoranda: | ||
| Average total assets | $371,901,400 | 1,803 |
| Average earning assets | $341,278,800 | 1,820 |
| Average equity | $33,113,600 | 2,170 |
| Average total loans | $299,783,000 | 1,514 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 1,887 |
| Cost of funding earning assets | 0.3660% | 3,375 |
| Net interest margin | 4.0245% | 1,588 |
| Noninterest income to average assets | 0.9390% | 1,277 |
| Noninterest expense to average assets | 2.6096% | 3,628 |
| Loan and lease loss provision to assets | 0.1299% | 1,804 |
| Net operating income to assets | 1.8034% | 488 |
| Return on assets (ROA) | 1.8034% | 516 |
| Pretax return on assets | 1.9000% | 709 |
| Return on Equity (ROE) | 20.0869% | 239 |
| Retained earnings to average equity (ytd only) | 4.5285% | 3,116 |
| Net charge-offs to loans | 0.0970% | 1,978 |
| Credit loss provision to net charge-offs | 165.8986% | 1,669 |
| Earnings coverage of net charge-offs (x) | 25.9305% | 1,617 |
| Efficiency ratio | 55.4545% | 5,111 |
| Assets per employee ($millions) | 4.4519% | 3,158 |
| Cash dividends to net income (ytd only)* | 77.4555% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 3,049 |
| Loan loss allowance to noncurrent loans | 2,817.4242% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 5,343 |
| Noncurrent loans to loans | 0.0437% | 5,185 |
| Net loans and leases to total assets | 80.6728% | 800 |
| Net loans and leases to deposits | 91.4143% | 1,578 |
| Net loans and leases to core deposits | 95.9837% | 1,989 |
| Total domestic deposits to total assets | 88.2497% | 1,265 |
| Equity capital to assets | 9.0870% | 5,089 |
| Core capital (leverage) ratio | 8.3560% | 5,461 |
| Tier 1 risk-based capital ratio | 10.6391% | 5,555 |
| Total risk-based capital ratio | 11.8898% | 5,472 |
| Memoranda: | ||
| Average total assets | $369,599,000 | 1,815 |
| Average earning assets | $339,843,000 | 1,832 |
| Average equity | $33,181,750 | 2,186 |
| Average total loans | $298,129,750 | 1,526 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3707% | 1,913 |
| Cost of funding earning assets | 0.3665% | 3,391 |
| Net interest margin | 4.0042% | 1,631 |
| Noninterest income to average assets | 0.9031% | 1,366 |
| Noninterest expense to average assets | 2.5571% | 3,869 |
| Loan and lease loss provision to assets | 0.1299% | 1,763 |
| Net operating income to assets | 1.7969% | 476 |
| Return on assets (ROA) | 1.7969% | 503 |
| Pretax return on assets | 1.8932% | 708 |
| Return on Equity (ROE) | 20.0968% | 235 |
| Retained earnings to average equity (ytd only) | 4.3389% | 3,158 |
| Net charge-offs to loans | 0.1233% | 1,608 |
| Credit loss provision to net charge-offs | 131.1475% | 1,761 |
| Earnings coverage of net charge-offs (x) | 20.4317% | 1,727 |
| Efficiency ratio | 55.4400% | 5,202 |
| Assets per employee ($millions) | 4.4942% | 3,040 |
| Cash dividends to net income (ytd only)* | 78.4101% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 3,387 |
| Loan loss allowance to noncurrent loans | 2,390.1316% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 5,402 |
| Noncurrent loans to loans | 0.0501% | 5,263 |
| Net loans and leases to total assets | 81.3791% | 700 |
| Net loans and leases to deposits | 92.4068% | 1,463 |
| Net loans and leases to core deposits | 96.8669% | 1,902 |
| Total domestic deposits to total assets | 88.0661% | 1,398 |
| Equity capital to assets | 9.0787% | 5,182 |
| Core capital (leverage) ratio | 8.4968% | 5,370 |
| Tier 1 risk-based capital ratio | 10.3139% | 5,757 |
| Total risk-based capital ratio | 11.5242% | 5,689 |
| Memoranda: | ||
| Average total assets | $369,630,330 | 1,813 |
| Average earning assets | $339,440,000 | 1,834 |
| Average equity | $33,050,000 | 2,196 |
| Average total loans | $296,903,330 | 1,534 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 1,993 |
| Cost of funding earning assets | 0.3639% | 3,461 |
| Net interest margin | 3.9776% | 1,683 |
| Noninterest income to average assets | 0.8644% | 1,397 |
| Noninterest expense to average assets | 2.5166% | 4,018 |
| Loan and lease loss provision to assets | 0.1297% | 1,629 |
| Net operating income to assets | 1.7505% | 512 |
| Return on assets (ROA) | 1.7505% | 550 |
| Pretax return on assets | 1.8445% | 776 |
| Return on Equity (ROE) | 19.7281% | 260 |
| Retained earnings to average equity (ytd only) | 12.9085% | 402 |
| Net charge-offs to loans | 0.1662% | 1,140 |
| Credit loss provision to net charge-offs | 98.3607% | 1,690 |
| Earnings coverage of net charge-offs (x) | 14.9754% | 1,681 |
| Efficiency ratio | 55.6304% | 5,224 |
| Assets per employee ($millions) | 4.6216% | 2,855 |
| Cash dividends to net income (ytd only)* | 34.5679% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 3,414 |
| Loan loss allowance to noncurrent loans | 5,584.3750% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 5,571 |
| Noncurrent loans to loans | 0.0217% | 5,415 |
| Net loans and leases to total assets | 78.8442% | 972 |
| Net loans and leases to deposits | 89.4364% | 1,646 |
| Net loans and leases to core deposits | 94.2773% | 1,964 |
| Total domestic deposits to total assets | 88.1567% | 1,556 |
| Equity capital to assets | 9.0523% | 5,119 |
| Core capital (leverage) ratio | 8.6190% | 5,270 |
| Tier 1 risk-based capital ratio | 10.5680% | 5,721 |
| Total risk-based capital ratio | 11.7750% | 5,646 |
| Memoranda: | ||
| Average total assets | $370,185,000 | 1,812 |
| Average earning assets | $337,489,500 | 1,842 |
| Average equity | $32,846,500 | 2,206 |
| Average total loans | $293,589,000 | 1,549 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4177% | 1,845 |
| Cost of funding earning assets | 0.3897% | 3,269 |
| Net interest margin | 4.0280% | 1,622 |
| Noninterest income to average assets | 0.9550% | 1,306 |
| Noninterest expense to average assets | 2.5642% | 4,031 |
| Loan and lease loss provision to assets | 0.1203% | 1,993 |
| Net operating income to assets | 1.8284% | 463 |
| Return on assets (ROA) | 1.8284% | 472 |
| Pretax return on assets | 1.9264% | 631 |
| Return on Equity (ROE) | 20.7715% | 211 |
| Retained earnings to average equity (ytd only) | 5.2997% | 2,213 |
| Net charge-offs to loans | 0.0750% | 2,754 |
| Credit loss provision to net charge-offs | 204.7393% | 1,364 |
| Earnings coverage of net charge-offs (x) | 34.8294% | 1,304 |
| Efficiency ratio | 55.1583% | 5,427 |
| Assets per employee ($millions) | 4.6330% | 2,844 |
| Cash dividends to net income (ytd only)* | 74.4859% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 3,333 |
| Loan loss allowance to noncurrent loans | 573.9968% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 4,923 |
| Noncurrent loans to loans | 0.2133% | 4,652 |
| Net loans and leases to total assets | 77.8430% | 1,141 |
| Net loans and leases to deposits | 87.0627% | 1,993 |
| Net loans and leases to core deposits | 92.0298% | 2,219 |
| Total domestic deposits to total assets | 89.4102% | 909 |
| Equity capital to assets | 8.6941% | 5,392 |
| Core capital (leverage) ratio | 8.3499% | 5,570 |
| Tier 1 risk-based capital ratio | 10.2994% | 5,864 |
| Total risk-based capital ratio | 11.5087% | 5,804 |
| Memoranda: | ||
| Average total assets | $359,063,200 | 1,831 |
| Average earning assets | $325,895,000 | 1,862 |
| Average equity | $31,605,800 | 2,222 |
| Average total loans | $281,384,800 | 1,546 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 1,823 |
| Cost of funding earning assets | 0.3988% | 3,238 |
| Net interest margin | 4.0288% | 1,611 |
| Noninterest income to average assets | 0.9572% | 1,299 |
| Noninterest expense to average assets | 2.5740% | 3,967 |
| Loan and lease loss provision to assets | 0.1018% | 2,153 |
| Net operating income to assets | 1.8399% | 473 |
| Return on assets (ROA) | 1.8399% | 496 |
| Pretax return on assets | 1.9384% | 678 |
| Return on Equity (ROE) | 20.8360% | 227 |
| Retained earnings to average equity (ytd only) | 6.1936% | 2,123 |
| Net charge-offs to loans | 0.0105% | 3,805 |
| Credit loss provision to net charge-offs | 1,236.3636% | 305 |
| Earnings coverage of net charge-offs (x) | 247.7494% | 284 |
| Efficiency ratio | 55.3302% | 5,421 |
| Assets per employee ($millions) | 4.4215% | 3,139 |
| Cash dividends to net income (ytd only)* | 70.2747% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 3,208 |
| Loan loss allowance to noncurrent loans | 1,004.1783% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 5,335 |
| Noncurrent loans to loans | 0.1274% | 5,119 |
| Net loans and leases to total assets | 78.6340% | 1,003 |
| Net loans and leases to deposits | 88.5932% | 1,824 |
| Net loans and leases to core deposits | 94.2487% | 2,052 |
| Total domestic deposits to total assets | 88.7585% | 1,149 |
| Equity capital to assets | 9.0621% | 5,254 |
| Core capital (leverage) ratio | 8.5664% | 5,498 |
| Tier 1 risk-based capital ratio | 10.5624% | 5,857 |
| Total risk-based capital ratio | 11.8127% | 5,790 |
| Memoranda: | ||
| Average total assets | $356,168,750 | 1,854 |
| Average earning assets | $323,297,250 | 1,884 |
| Average equity | $31,451,250 | 2,243 |
| Average total loans | $278,707,500 | 1,569 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 1,763 |
| Cost of funding earning assets | 0.4133% | 3,121 |
| Net interest margin | 4.0140% | 1,603 |
| Noninterest income to average assets | 0.9283% | 1,364 |
| Noninterest expense to average assets | 2.5374% | 4,109 |
| Loan and lease loss provision to assets | 0.0902% | 2,314 |
| Net operating income to assets | 1.8320% | 481 |
| Return on assets (ROA) | 1.8320% | 506 |
| Pretax return on assets | 1.9300% | 692 |
| Return on Equity (ROE) | 20.9278% | 233 |
| Retained earnings to average equity (ytd only) | 6.5023% | 1,943 |
| Net charge-offs to loans | 0.0094% | 3,580 |
| Credit loss provision to net charge-offs | 1,238.4615% | 289 |
| Earnings coverage of net charge-offs (x) | 277.3846% | 249 |
| Efficiency ratio | 55.2182% | 5,496 |
| Assets per employee ($millions) | 4.5176% | 2,955 |
| Cash dividends to net income (ytd only)* | 68.9297% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 3,469 |
| Loan loss allowance to noncurrent loans | 1,061.5152% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 5,490 |
| Noncurrent loans to loans | 0.1185% | 5,287 |
| Net loans and leases to total assets | 77.0356% | 1,213 |
| Net loans and leases to deposits | 86.6952% | 1,979 |
| Net loans and leases to core deposits | 92.2009% | 2,137 |
| Total domestic deposits to total assets | 88.8580% | 1,214 |
| Equity capital to assets | 8.7811% | 5,454 |
| Core capital (leverage) ratio | 8.3723% | 5,657 |
| Tier 1 risk-based capital ratio | 10.4959% | 5,923 |
| Total risk-based capital ratio | 11.7303% | 5,872 |
| Memoranda: | ||
| Average total assets | $356,986,330 | 1,865 |
| Average earning assets | $322,766,330 | 1,902 |
| Average equity | $31,250,330 | 2,265 |
| Average total loans | $277,694,670 | 1,578 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 1,809 |
| Cost of funding earning assets | 0.4201% | 3,076 |
| Net interest margin | 3.9677% | 1,661 |
| Noninterest income to average assets | 0.9422% | 1,259 |
| Noninterest expense to average assets | 2.4704% | 4,366 |
| Loan and lease loss provision to assets | 0.0907% | 2,177 |
| Net operating income to assets | 1.8811% | 421 |
| Return on assets (ROA) | 1.8811% | 446 |
| Pretax return on assets | 1.9785% | 613 |
| Return on Equity (ROE) | 21.5215% | 206 |
| Retained earnings to average equity (ytd only) | 15.6252% | 236 |
| Net charge-offs to loans | 0.0029% | 3,223 |
| Credit loss provision to net charge-offs | 4,050.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 923.5000% | 45 |
| Efficiency ratio | 53.9733% | 5,682 |
| Assets per employee ($millions) | 4.6180% | 2,878 |
| Cash dividends to net income (ytd only)* | 27.3973% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 3,767 |
| Loan loss allowance to noncurrent loans | 1,022.0238% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 5,534 |
| Noncurrent loans to loans | 0.1208% | 5,339 |
| Net loans and leases to total assets | 76.2531% | 1,176 |
| Net loans and leases to deposits | 85.8044% | 1,850 |
| Net loans and leases to core deposits | 93.2082% | 1,834 |
| Total domestic deposits to total assets | 88.8685% | 1,350 |
| Equity capital to assets | 8.8583% | 5,436 |
| Core capital (leverage) ratio | 8.4623% | 5,561 |
| Tier 1 risk-based capital ratio | 10.4147% | 6,044 |
| Total risk-based capital ratio | 11.6079% | 6,008 |
| Memoranda: | ||
| Average total assets | $357,033,500 | 1,861 |
| Average earning assets | $323,715,000 | 1,905 |
| Average equity | $31,206,000 | 2,281 |
| Average total loans | $277,323,500 | 1,571 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3642% | 2,349 |
| Cost of funding earning assets | 0.4528% | 3,140 |
| Net interest margin | 3.9114% | 2,195 |
| Noninterest income to average assets | 1.0066% | 1,200 |
| Noninterest expense to average assets | 2.5663% | 4,338 |
| Loan and lease loss provision to assets | 0.0827% | 2,827 |
| Net operating income to assets | 1.9014% | 390 |
| Return on assets (ROA) | 1.9014% | 404 |
| Pretax return on assets | 1.9786% | 533 |
| Return on Equity (ROE) | 22.5813% | 161 |
| Retained earnings to average equity (ytd only) | 8.2919% | 915 |
| Net charge-offs to loans | 0.0133% | 4,622 |
| Credit loss provision to net charge-offs | 814.2857% | 336 |
| Earnings coverage of net charge-offs (x) | 203.0286% | 264 |
| Efficiency ratio | 54.9364% | 5,767 |
| Assets per employee ($millions) | 4.5956% | 2,882 |
| Cash dividends to net income (ytd only)* | 63.2799% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 3,917 |
| Loan loss allowance to noncurrent loans | 914.1689% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 5,586 |
| Noncurrent loans to loans | 0.1327% | 5,362 |
| Net loans and leases to total assets | 77.2025% | 1,108 |
| Net loans and leases to deposits | 86.6080% | 1,900 |
| Net loans and leases to core deposits | 91.6822% | 2,126 |
| Total domestic deposits to total assets | 89.1402% | 1,155 |
| Equity capital to assets | 8.6203% | 5,632 |
| Core capital (leverage) ratio | 8.1619% | 5,880 |
| Tier 1 risk-based capital ratio | 10.4755% | 6,115 |
| Total risk-based capital ratio | 11.7259% | 6,052 |
| Memoranda: | ||
| Average total assets | $344,739,200 | 1,889 |
| Average earning assets | $319,143,000 | 1,876 |
| Average equity | $29,028,400 | 2,343 |
| Average total loans | $263,684,800 | 1,610 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 2,497 |
| Cost of funding earning assets | 0.4599% | 3,150 |
| Net interest margin | 3.8711% | 2,349 |
| Noninterest income to average assets | 0.7693% | 2,017 |
| Noninterest expense to average assets | 2.5470% | 4,374 |
| Loan and lease loss provision to assets | 0.0759% | 2,818 |
| Net operating income to assets | 1.6687% | 655 |
| Return on assets (ROA) | 1.6687% | 681 |
| Pretax return on assets | 1.7446% | 991 |
| Return on Equity (ROE) | 19.9394% | 287 |
| Retained earnings to average equity (ytd only) | 6.8015% | 1,922 |
| Net charge-offs to loans | 0.0061% | 4,485 |
| Credit loss provision to net charge-offs | 1,625.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 389.6569% | 188 |
| Efficiency ratio | 57.7643% | 5,476 |
| Assets per employee ($millions) | 4.2755% | 3,343 |
| Cash dividends to net income (ytd only)* | 65.8890% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 4,006 |
| Loan loss allowance to noncurrent loans | 936.7521% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 5,684 |
| Noncurrent loans to loans | 0.1326% | 5,524 |
| Net loans and leases to total assets | 77.4145% | 1,037 |
| Net loans and leases to deposits | 86.3484% | 1,871 |
| Net loans and leases to core deposits | 90.6757% | 2,160 |
| Total domestic deposits to total assets | 89.6536% | 907 |
| Equity capital to assets | 8.7423% | 5,602 |
| Core capital (leverage) ratio | 7.9375% | 6,112 |
| Tier 1 risk-based capital ratio | 10.6449% | 6,157 |
| Total risk-based capital ratio | 11.8958% | 6,106 |
| Memoranda: | ||
| Average total assets | $342,458,000 | 1,910 |
| Average earning assets | $318,318,000 | 1,890 |
| Average equity | $28,659,500 | 2,379 |
| Average total loans | $260,469,250 | 1,632 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 2,713 |
| Cost of funding earning assets | 0.4692% | 3,113 |
| Net interest margin | 3.7979% | 2,582 |
| Noninterest income to average assets | 0.7313% | 2,142 |
| Noninterest expense to average assets | 2.4667% | 4,677 |
| Loan and lease loss provision to assets | 0.0756% | 2,762 |
| Net operating income to assets | 1.6394% | 654 |
| Return on assets (ROA) | 1.6394% | 684 |
| Pretax return on assets | 1.7138% | 990 |
| Return on Equity (ROE) | 19.8802% | 298 |
| Retained earnings to average equity (ytd only) | 6.9933% | 1,782 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3829% | 5,621 |
| Assets per employee ($millions) | 4.2869% | 3,296 |
| Cash dividends to net income (ytd only)* | 64.8227% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 4,295 |
| Loan loss allowance to noncurrent loans | 692.7195% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 5,698 |
| Noncurrent loans to loans | 0.1771% | 5,484 |
| Net loans and leases to total assets | 74.0802% | 1,429 |
| Net loans and leases to deposits | 82.3127% | 2,213 |
| Net loans and leases to core deposits | 86.5691% | 2,462 |
| Total domestic deposits to total assets | 89.9985% | 816 |
| Equity capital to assets | 8.2187% | 6,012 |
| Core capital (leverage) ratio | 7.7283% | 6,238 |
| Tier 1 risk-based capital ratio | 10.4027% | 6,281 |
| Total risk-based capital ratio | 11.6532% | 6,235 |
| Memoranda: | ||
| Average total assets | $344,023,670 | 1,902 |
| Average earning assets | $319,281,330 | 1,882 |
| Average equity | $28,370,000 | 2,385 |
| Average total loans | $259,037,670 | 1,636 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 2,739 |
| Cost of funding earning assets | 0.4848% | 3,062 |
| Net interest margin | 3.7510% | 2,671 |
| Noninterest income to average assets | 0.6959% | 2,194 |
| Noninterest expense to average assets | 2.4968% | 4,633 |
| Loan and lease loss provision to assets | 0.0764% | 2,616 |
| Net operating income to assets | 1.5188% | 783 |
| Return on assets (ROA) | 1.5188% | 820 |
| Pretax return on assets | 1.5881% | 1,199 |
| Return on Equity (ROE) | 18.3852% | 410 |
| Retained earnings to average equity (ytd only) | 12.8071% | 512 |
| Net charge-offs to loans | -0.0047% | 4,806 |
| Credit loss provision to net charge-offs | -2,166.6667% | 5,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4068% | 5,488 |
| Assets per employee ($millions) | 4.5107% | 2,956 |
| Cash dividends to net income (ytd only)* | 30.3406% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 4,488 |
| Loan loss allowance to noncurrent loans | 820.1550% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 5,875 |
| Noncurrent loans to loans | 0.1500% | 5,636 |
| Net loans and leases to total assets | 74.3436% | 1,220 |
| Net loans and leases to deposits | 82.6919% | 1,981 |
| Net loans and leases to core deposits | 87.3633% | 2,157 |
| Total domestic deposits to total assets | 89.9043% | 1,126 |
| Equity capital to assets | 8.3308% | 5,800 |
| Core capital (leverage) ratio | 7.9030% | 6,175 |
| Tier 1 risk-based capital ratio | 10.4767% | 6,341 |
| Total risk-based capital ratio | 11.7256% | 6,303 |
| Memoranda: | ||
| Average total assets | $340,272,000 | 1,928 |
| Average earning assets | $314,373,500 | 1,913 |
| Average equity | $28,109,500 | 2,396 |
| Average total loans | $256,733,000 | 1,656 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 2,208 |
| Cost of funding earning assets | 0.5677% | 2,945 |
| Net interest margin | 3.9309% | 2,175 |
| Noninterest income to average assets | 0.9581% | 1,501 |
| Noninterest expense to average assets | 2.7616% | 3,864 |
| Loan and lease loss provision to assets | 0.0421% | 4,272 |
| Net operating income to assets | 1.7206% | 562 |
| Return on assets (ROA) | 1.7206% | 581 |
| Pretax return on assets | 1.7986% | 763 |
| Return on Equity (ROE) | 19.2694% | 324 |
| Retained earnings to average equity (ytd only) | 5.7673% | 2,122 |
| Net charge-offs to loans | 0.0050% | 5,370 |
| Credit loss provision to net charge-offs | 1,081.8182% | 235 |
| Earnings coverage of net charge-offs (x) | 472.4545% | 82 |
| Efficiency ratio | 59.8430% | 5,491 |
| Assets per employee ($millions) | 4.4439% | 3,005 |
| Cash dividends to net income (ytd only)* | 70.0700% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 4,574 |
| Loan loss allowance to noncurrent loans | 734.0426% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 5,914 |
| Noncurrent loans to loans | 0.1656% | 5,702 |
| Net loans and leases to total assets | 74.7126% | 1,255 |
| Net loans and leases to deposits | 82.9517% | 2,068 |
| Net loans and leases to core deposits | 87.7730% | 2,269 |
| Total domestic deposits to total assets | 90.0676% | 1,039 |
| Equity capital to assets | 8.1899% | 5,882 |
| Core capital (leverage) ratio | 7.7768% | 6,256 |
| Tier 1 risk-based capital ratio | 10.1549% | 6,472 |
| Total risk-based capital ratio | 11.3908% | 6,434 |
| Memoranda: | ||
| Average total assets | $282,336,400 | 2,251 |
| Average earning assets | $261,749,000 | 2,241 |
| Average equity | $25,211,000 | 2,611 |
| Average total loans | $219,155,200 | 1,868 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5206% | 2,153 |
| Cost of funding earning assets | 0.5791% | 3,007 |
| Net interest margin | 3.9416% | 2,139 |
| Noninterest income to average assets | 1.0195% | 1,399 |
| Noninterest expense to average assets | 2.7894% | 3,697 |
| Loan and lease loss provision to assets | 0.0566% | 3,921 |
| Net operating income to assets | 1.7674% | 568 |
| Return on assets (ROA) | 1.7674% | 591 |
| Pretax return on assets | 1.8478% | 808 |
| Return on Equity (ROE) | 19.2905% | 350 |
| Retained earnings to average equity (ytd only) | 8.2225% | 1,328 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4266% | 5,508 |
| Assets per employee ($millions) | 3.7069% | 4,439 |
| Cash dividends to net income (ytd only)* | 57.3758% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 3,738 |
| Loan loss allowance to noncurrent loans | 634.8980% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 5,839 |
| Noncurrent loans to loans | 0.2268% | 5,667 |
| Net loans and leases to total assets | 78.7073% | 682 |
| Net loans and leases to deposits | 90.0076% | 1,164 |
| Net loans and leases to core deposits | 95.9310% | 1,399 |
| Total domestic deposits to total assets | 87.4452% | 2,441 |
| Equity capital to assets | 10.2644% | 3,559 |
| Core capital (leverage) ratio | 10.1009% | 3,520 |
| Tier 1 risk-based capital ratio | 12.6942% | 5,329 |
| Total risk-based capital ratio | 13.9469% | 5,272 |
| Memoranda: | ||
| Average total assets | $268,487,250 | 2,380 |
| Average earning assets | $250,284,500 | 2,336 |
| Average equity | $24,598,750 | 2,698 |
| Average total loans | $210,085,500 | 1,929 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5053% | 2,181 |
| Cost of funding earning assets | 0.5895% | 3,040 |
| Net interest margin | 3.9158% | 2,165 |
| Noninterest income to average assets | 1.0382% | 1,413 |
| Noninterest expense to average assets | 2.7903% | 3,706 |
| Loan and lease loss provision to assets | 0.0814% | 3,436 |
| Net operating income to assets | 1.7440% | 580 |
| Return on assets (ROA) | 1.7440% | 629 |
| Pretax return on assets | 1.8231% | 888 |
| Return on Equity (ROE) | 19.8389% | 312 |
| Retained earnings to average equity (ytd only) | 6.1768% | 2,335 |
| Net charge-offs to loans | -0.0192% | 5,959 |
| Credit loss provision to net charge-offs | -545.0000% | 5,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4337% | 5,553 |
| Assets per employee ($millions) | 3.8551% | 4,098 |
| Cash dividends to net income (ytd only)* | 68.8651% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 3,670 |
| Loan loss allowance to noncurrent loans | 480.9231% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 5,699 |
| Noncurrent loans to loans | 0.3079% | 5,533 |
| Net loans and leases to total assets | 78.1856% | 730 |
| Net loans and leases to deposits | 87.9931% | 1,340 |
| Net loans and leases to core deposits | 93.6825% | 1,549 |
| Total domestic deposits to total assets | 88.8543% | 1,708 |
| Equity capital to assets | 8.8631% | 5,375 |
| Core capital (leverage) ratio | 8.4774% | 5,695 |
| Tier 1 risk-based capital ratio | 11.0085% | 6,328 |
| Total risk-based capital ratio | 12.2664% | 6,303 |
| Memoranda: | ||
| Average total assets | $267,781,330 | 2,393 |
| Average earning assets | $250,062,330 | 2,345 |
| Average equity | $23,539,670 | 2,815 |
| Average total loans | $208,081,670 | 1,953 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4633% | 2,303 |
| Cost of funding earning assets | 0.5949% | 3,154 |
| Net interest margin | 3.8684% | 2,220 |
| Noninterest income to average assets | 1.0347% | 1,382 |
| Noninterest expense to average assets | 2.7885% | 3,739 |
| Loan and lease loss provision to assets | 0.0968% | 3,068 |
| Net operating income to assets | 1.6749% | 618 |
| Return on assets (ROA) | 1.6749% | 682 |
| Pretax return on assets | 1.7508% | 971 |
| Return on Equity (ROE) | 19.1314% | 349 |
| Retained earnings to average equity (ytd only) | 13.1454% | 538 |
| Net charge-offs to loans | -0.0271% | 5,856 |
| Credit loss provision to net charge-offs | -464.2857% | 5,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1477% | 5,571 |
| Assets per employee ($millions) | 4.1320% | 3,676 |
| Cash dividends to net income (ytd only)* | 31.2889% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 3,899 |
| Loan loss allowance to noncurrent loans | 433.8505% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 5,630 |
| Noncurrent loans to loans | 0.3412% | 5,549 |
| Net loans and leases to total assets | 75.0676% | 956 |
| Net loans and leases to deposits | 84.2885% | 1,560 |
| Net loans and leases to core deposits | 89.1098% | 1,795 |
| Total domestic deposits to total assets | 89.0603% | 1,652 |
| Equity capital to assets | 8.7583% | 5,751 |
| Core capital (leverage) ratio | 8.4879% | 5,618 |
| Tier 1 risk-based capital ratio | 11.1023% | 6,361 |
| Total risk-based capital ratio | 12.3551% | 6,333 |
| Memoranda: | ||
| Average total assets | $268,670,500 | 2,405 |
| Average earning assets | $250,127,500 | 2,377 |
| Average equity | $23,521,500 | 2,852 |
| Average total loans | $206,571,500 | 1,971 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 1,711 |
| Cost of funding earning assets | 0.7089% | 3,428 |
| Net interest margin | 4.2325% | 1,571 |
| Noninterest income to average assets | 1.0903% | 1,302 |
| Noninterest expense to average assets | 2.8344% | 3,896 |
| Loan and lease loss provision to assets | 0.1024% | 4,362 |
| Net operating income to assets | 1.9762% | 369 |
| Return on assets (ROA) | 1.9544% | 429 |
| Pretax return on assets | 2.0423% | 558 |
| Return on Equity (ROE) | 22.0697% | 218 |
| Retained earnings to average equity (ytd only) | 6.0680% | 2,039 |
| Net charge-offs to loans | 0.0291% | 5,494 |
| Credit loss provision to net charge-offs | 444.0678% | 546 |
| Earnings coverage of net charge-offs (x) | 93.9661% | 412 |
| Efficiency ratio | 56.6773% | 5,984 |
| Assets per employee ($millions) | 4.0095% | 3,928 |
| Cash dividends to net income (ytd only)* | 72.5055% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 3,901 |
| Loan loss allowance to noncurrent loans | 333.0000% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 5,606 |
| Noncurrent loans to loans | 0.4383% | 5,402 |
| Net loans and leases to total assets | 76.4662% | 860 |
| Net loans and leases to deposits | 85.8737% | 1,530 |
| Net loans and leases to core deposits | 90.4269% | 1,789 |
| Total domestic deposits to total assets | 89.0450% | 1,531 |
| Equity capital to assets | 8.7512% | 5,796 |
| Core capital (leverage) ratio | 8.2983% | 5,888 |
| Tier 1 risk-based capital ratio | 10.8489% | 6,407 |
| Total risk-based capital ratio | 12.1016% | 6,378 |
| Memoranda: | ||
| Average total assets | $255,890,400 | 2,483 |
| Average earning assets | $236,430,800 | 2,445 |
| Average equity | $22,660,000 | 2,890 |
| Average total loans | $202,800,400 | 1,983 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0083% | 1,677 |
| Cost of funding earning assets | 0.7285% | 3,531 |
| Net interest margin | 4.2797% | 1,534 |
| Noninterest income to average assets | 1.0574% | 1,347 |
| Noninterest expense to average assets | 2.7890% | 4,014 |
| Loan and lease loss provision to assets | 0.1062% | 4,240 |
| Net operating income to assets | 2.0280% | 376 |
| Return on assets (ROA) | 1.9665% | 462 |
| Pretax return on assets | 2.0553% | 619 |
| Return on Equity (ROE) | 22.1393% | 231 |
| Retained earnings to average equity (ytd only) | 6.7921% | 2,231 |
| Net charge-offs to loans | 0.0257% | 5,309 |
| Credit loss provision to net charge-offs | 517.9487% | 518 |
| Earnings coverage of net charge-offs (x) | 108.4588% | 392 |
| Efficiency ratio | 55.6464% | 6,091 |
| Assets per employee ($millions) | 4.0273% | 3,815 |
| Cash dividends to net income (ytd only)* | 69.3212% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 4,137 |
| Loan loss allowance to noncurrent loans | 306.7427% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 5,680 |
| Noncurrent loans to loans | 0.4742% | 5,501 |
| Net loans and leases to total assets | 77.7260% | 762 |
| Net loans and leases to deposits | 87.6966% | 1,389 |
| Net loans and leases to core deposits | 92.6361% | 1,712 |
| Total domestic deposits to total assets | 88.6306% | 1,639 |
| Equity capital to assets | 8.9337% | 5,886 |
| Core capital (leverage) ratio | 8.4810% | 5,775 |
| Tier 1 risk-based capital ratio | 10.7660% | 6,580 |
| Total risk-based capital ratio | 12.0232% | 6,552 |
| Memoranda: | ||
| Average total assets | $253,706,000 | 2,517 |
| Average earning assets | $234,433,500 | 2,484 |
| Average equity | $22,535,500 | 2,932 |
| Average total loans | $202,163,500 | 2,013 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 1,589 |
| Cost of funding earning assets | 0.7453% | 3,637 |
| Net interest margin | 4.3269% | 1,402 |
| Noninterest income to average assets | 1.0010% | 1,462 |
| Noninterest expense to average assets | 2.7294% | 4,291 |
| Loan and lease loss provision to assets | 0.1006% | 4,272 |
| Net operating income to assets | 2.0796% | 347 |
| Return on assets (ROA) | 1.9868% | 458 |
| Pretax return on assets | 2.0764% | 599 |
| Return on Equity (ROE) | 22.4119% | 235 |
| Retained earnings to average equity (ytd only) | 6.6780% | 2,287 |
| Net charge-offs to loans | 0.0168% | 5,178 |
| Credit loss provision to net charge-offs | 747.0588% | 427 |
| Earnings coverage of net charge-offs (x) | 168.4706% | 273 |
| Efficiency ratio | 54.5973% | 6,264 |
| Assets per employee ($millions) | 4.1738% | 3,511 |
| Cash dividends to net income (ytd only)* | 70.2034% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 4,404 |
| Loan loss allowance to noncurrent loans | 402.2161% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 5,977 |
| Noncurrent loans to loans | 0.3519% | 5,842 |
| Net loans and leases to total assets | 79.4556% | 567 |
| Net loans and leases to deposits | 89.5391% | 1,196 |
| Net loans and leases to core deposits | 95.3098% | 1,490 |
| Total domestic deposits to total assets | 88.7384% | 1,680 |
| Equity capital to assets | 8.8720% | 5,839 |
| Core capital (leverage) ratio | 8.3098% | 5,896 |
| Tier 1 risk-based capital ratio | 10.4215% | 6,724 |
| Total risk-based capital ratio | 11.6736% | 6,710 |
| Memoranda: | ||
| Average total assets | $252,360,000 | 2,523 |
| Average earning assets | $233,189,670 | 2,492 |
| Average equity | $22,372,000 | 2,939 |
| Average total loans | $201,787,670 | 2,007 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0467% | 1,733 |
| Cost of funding earning assets | 0.7623% | 3,773 |
| Net interest margin | 4.2844% | 1,521 |
| Noninterest income to average assets | 0.9648% | 1,522 |
| Noninterest expense to average assets | 2.6477% | 4,631 |
| Loan and lease loss provision to assets | 0.0828% | 4,349 |
| Net operating income to assets | 2.1127% | 341 |
| Return on assets (ROA) | 1.9264% | 547 |
| Pretax return on assets | 2.0124% | 722 |
| Return on Equity (ROE) | 21.7391% | 285 |
| Retained earnings to average equity (ytd only) | 15.4510% | 408 |
| Net charge-offs to loans | 0.0080% | 4,618 |
| Credit loss provision to net charge-offs | 1,300.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 358.2500% | 86 |
| Efficiency ratio | 53.7145% | 6,377 |
| Assets per employee ($millions) | 4.2071% | 3,563 |
| Cash dividends to net income (ytd only)* | 28.9256% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 4,627 |
| Loan loss allowance to noncurrent loans | 448.2650% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 6,194 |
| Noncurrent loans to loans | 0.3116% | 6,056 |
| Net loans and leases to total assets | 78.1717% | 573 |
| Net loans and leases to deposits | 87.9802% | 1,168 |
| Net loans and leases to core deposits | 94.6436% | 1,401 |
| Total domestic deposits to total assets | 88.8515% | 1,790 |
| Equity capital to assets | 8.8328% | 5,709 |
| Core capital (leverage) ratio | 8.5296% | 5,545 |
| Tier 1 risk-based capital ratio | 10.5199% | 6,731 |
| Total risk-based capital ratio | 11.7551% | 6,726 |
| Memoranda: | ||
| Average total assets | $251,240,000 | 2,551 |
| Average earning assets | $232,469,500 | 2,519 |
| Average equity | $22,264,000 | 2,947 |
| Average total loans | $200,082,500 | 2,037 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2676% | 1,806 |
| Cost of funding earning assets | 0.9349% | 3,839 |
| Net interest margin | 4.3327% | 1,598 |
| Noninterest income to average assets | 0.9110% | 1,639 |
| Noninterest expense to average assets | 2.8233% | 4,262 |
| Loan and lease loss provision to assets | 0.1667% | 4,556 |
| Net operating income to assets | 1.8406% | 430 |
| Return on assets (ROA) | 1.8406% | 459 |
| Pretax return on assets | 1.9295% | 627 |
| Return on Equity (ROE) | 21.0339% | 220 |
| Retained earnings to average equity (ytd only) | 5.9136% | 2,065 |
| Net charge-offs to loans | 0.0409% | 5,907 |
| Credit loss provision to net charge-offs | 512.6582% | 443 |
| Earnings coverage of net charge-offs (x) | 64.4557% | 459 |
| Efficiency ratio | 57.3891% | 6,130 |
| Assets per employee ($millions) | 4.0974% | 3,652 |
| Cash dividends to net income (ytd only)* | 71.8855% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 4,368 |
| Loan loss allowance to noncurrent loans | 431.8393% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 6,228 |
| Noncurrent loans to loans | 0.3289% | 6,073 |
| Net loans and leases to total assets | 78.8761% | 622 |
| Net loans and leases to deposits | 89.1349% | 1,252 |
| Net loans and leases to core deposits | 95.3217% | 1,560 |
| Total domestic deposits to total assets | 88.4907% | 1,856 |
| Equity capital to assets | 8.8918% | 5,681 |
| Core capital (leverage) ratio | 8.0730% | 6,171 |
| Tier 1 risk-based capital ratio | 10.3697% | 6,746 |
| Total risk-based capital ratio | 11.6046% | 6,725 |
| Memoranda: | ||
| Average total assets | $242,907,600 | 2,602 |
| Average earning assets | $224,733,400 | 2,558 |
| Average equity | $21,256,200 | 2,983 |
| Average total loans | $193,333,400 | 2,099 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3004% | 1,854 |
| Cost of funding earning assets | 0.9429% | 4,094 |
| Net interest margin | 4.3575% | 1,539 |
| Noninterest income to average assets | 0.9106% | 1,608 |
| Noninterest expense to average assets | 2.7979% | 4,353 |
| Loan and lease loss provision to assets | 0.1707% | 4,332 |
| Net operating income to assets | 1.8840% | 441 |
| Return on assets (ROA) | 1.8840% | 479 |
| Pretax return on assets | 1.9748% | 659 |
| Return on Equity (ROE) | 21.6181% | 233 |
| Retained earnings to average equity (ytd only) | 7.9725% | 1,519 |
| Net charge-offs to loans | 0.0242% | 5,807 |
| Credit loss provision to net charge-offs | 885.7143% | 312 |
| Earnings coverage of net charge-offs (x) | 111.3321% | 321 |
| Efficiency ratio | 56.5987% | 6,195 |
| Assets per employee ($millions) | 4.1595% | 3,522 |
| Cash dividends to net income (ytd only)* | 63.1211% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 4,491 |
| Loan loss allowance to noncurrent loans | 768.3473% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 6,595 |
| Noncurrent loans to loans | 0.1841% | 6,503 |
| Net loans and leases to total assets | 76.5819% | 897 |
| Net loans and leases to deposits | 86.8250% | 1,573 |
| Net loans and leases to core deposits | 93.6273% | 1,822 |
| Total domestic deposits to total assets | 88.2026% | 1,922 |
| Equity capital to assets | 8.7798% | 5,998 |
| Core capital (leverage) ratio | 8.3412% | 5,927 |
| Tier 1 risk-based capital ratio | 10.4381% | 6,803 |
| Total risk-based capital ratio | 11.6722% | 6,793 |
| Memoranda: | ||
| Average total assets | $242,173,250 | 2,621 |
| Average earning assets | $224,126,750 | 2,578 |
| Average equity | $21,105,250 | 2,993 |
| Average total loans | $192,490,000 | 2,129 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3045% | 1,876 |
| Cost of funding earning assets | 0.9630% | 4,233 |
| Net interest margin | 4.3415% | 1,532 |
| Noninterest income to average assets | 0.8811% | 1,713 |
| Noninterest expense to average assets | 2.8143% | 4,369 |
| Loan and lease loss provision to assets | 0.1794% | 4,122 |
| Net operating income to assets | 1.8247% | 477 |
| Return on assets (ROA) | 1.8247% | 508 |
| Pretax return on assets | 1.9123% | 689 |
| Return on Equity (ROE) | 20.9922% | 267 |
| Retained earnings to average equity (ytd only) | 7.4773% | 1,666 |
| Net charge-offs to loans | 0.0073% | 5,763 |
| Credit loss provision to net charge-offs | 3,071.4286% | 104 |
| Earnings coverage of net charge-offs (x) | 358.1429% | 90 |
| Efficiency ratio | 57.3639% | 6,249 |
| Assets per employee ($millions) | 3.8645% | 4,063 |
| Cash dividends to net income (ytd only)* | 64.3804% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 4,683 |
| Loan loss allowance to noncurrent loans | 729.1553% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 6,598 |
| Noncurrent loans to loans | 0.1891% | 6,526 |
| Net loans and leases to total assets | 78.6043% | 695 |
| Net loans and leases to deposits | 88.2595% | 1,464 |
| Net loans and leases to core deposits | 94.9648% | 1,803 |
| Total domestic deposits to total assets | 89.0604% | 1,499 |
| Equity capital to assets | 8.7384% | 5,887 |
| Core capital (leverage) ratio | 8.2474% | 5,954 |
| Tier 1 risk-based capital ratio | 10.3098% | 6,869 |
| Total risk-based capital ratio | 11.5483% | 6,861 |
| Memoranda: | ||
| Average total assets | $239,707,000 | 2,663 |
| Average earning assets | $222,227,000 | 2,621 |
| Average equity | $20,836,330 | 3,021 |
| Average total loans | $192,030,000 | 2,162 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3427% | 1,742 |
| Cost of funding earning assets | 0.9894% | 4,275 |
| Net interest margin | 4.3533% | 1,416 |
| Noninterest income to average assets | 0.8006% | 2,033 |
| Noninterest expense to average assets | 2.8357% | 4,313 |
| Loan and lease loss provision to assets | 0.2186% | 3,467 |
| Net operating income to assets | 1.6987% | 577 |
| Return on assets (ROA) | 1.6987% | 614 |
| Pretax return on assets | 1.7794% | 852 |
| Return on Equity (ROE) | 19.5955% | 357 |
| Retained earnings to average equity (ytd only) | 12.8438% | 611 |
| Net charge-offs to loans | 0.0084% | 4,993 |
| Credit loss provision to net charge-offs | 3,250.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 297.0000% | 99 |
| Efficiency ratio | 58.6639% | 6,177 |
| Assets per employee ($millions) | 4.0458% | 3,746 |
| Cash dividends to net income (ytd only)* | 34.4554% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 4,860 |
| Loan loss allowance to noncurrent loans | 436.7003% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 6,438 |
| Noncurrent loans to loans | 0.3113% | 6,365 |
| Net loans and leases to total assets | 77.5476% | 793 |
| Net loans and leases to deposits | 86.9549% | 1,597 |
| Net loans and leases to core deposits | 95.3854% | 1,730 |
| Total domestic deposits to total assets | 89.1814% | 1,654 |
| Equity capital to assets | 8.6711% | 5,691 |
| Core capital (leverage) ratio | 8.2698% | 5,866 |
| Tier 1 risk-based capital ratio | 10.5843% | 6,757 |
| Total risk-based capital ratio | 11.8409% | 6,741 |
| Memoranda: | ||
| Average total assets | $237,828,000 | 2,698 |
| Average earning assets | $220,337,500 | 2,660 |
| Average equity | $20,617,000 | 3,034 |
| Average total loans | $191,020,000 | 2,190 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5845% | 1,962 |
| Cost of funding earning assets | 1.1859% | 4,643 |
| Net interest margin | 4.3986% | 1,477 |
| Noninterest income to average assets | 0.8762% | 1,943 |
| Noninterest expense to average assets | 2.8971% | 4,235 |
| Loan and lease loss provision to assets | 0.2152% | 5,106 |
| Net operating income to assets | 1.7412% | 472 |
| Return on assets (ROA) | 1.7412% | 515 |
| Pretax return on assets | 1.8247% | 722 |
| Return on Equity (ROE) | 20.2764% | 239 |
| Retained earnings to average equity (ytd only) | 4.1996% | 2,902 |
| Net charge-offs to loans | 0.0929% | 5,922 |
| Credit loss provision to net charge-offs | 290.6977% | 928 |
| Earnings coverage of net charge-offs (x) | 27.5581% | 791 |
| Efficiency ratio | 58.6820% | 6,251 |
| Assets per employee ($millions) | 3.9476% | 3,894 |
| Cash dividends to net income (ytd only)* | 79.2882% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 5,054 |
| Loan loss allowance to noncurrent loans | 429.2174% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.3340% | 6,414 |
| Noncurrent loans to loans | 0.3007% | 6,453 |
| Net loans and leases to total assets | 81.0332% | 537 |
| Net loans and leases to deposits | 91.1912% | 1,374 |
| Net loans and leases to core deposits | 98.6251% | 1,738 |
| Total domestic deposits to total assets | 88.8608% | 1,737 |
| Equity capital to assets | 8.6665% | 5,630 |
| Core capital (leverage) ratio | 8.0743% | 6,072 |
| Tier 1 risk-based capital ratio | 10.2128% | 6,865 |
| Total risk-based capital ratio | 11.4687% | 6,841 |
| Memoranda: | ||
| Average total assets | $232,370,800 | 2,716 |
| Average earning assets | $214,524,000 | 2,694 |
| Average equity | $19,954,200 | 3,150 |
| Average total loans | $185,164,200 | 2,296 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5990% | 2,067 |
| Cost of funding earning assets | 1.2244% | 4,719 |
| Net interest margin | 4.3745% | 1,602 |
| Noninterest income to average assets | 0.8606% | 1,950 |
| Noninterest expense to average assets | 2.8218% | 4,394 |
| Loan and lease loss provision to assets | 0.2153% | 4,912 |
| Net operating income to assets | 1.7752% | 545 |
| Return on assets (ROA) | 1.7752% | 590 |
| Pretax return on assets | 1.8601% | 829 |
| Return on Equity (ROE) | 20.7200% | 272 |
| Retained earnings to average equity (ytd only) | 5.5218% | 2,631 |
| Net charge-offs to loans | 0.1125% | 5,413 |
| Credit loss provision to net charge-offs | 241.9355% | 1,397 |
| Earnings coverage of net charge-offs (x) | 23.3228% | 1,063 |
| Efficiency ratio | 57.6202% | 6,327 |
| Assets per employee ($millions) | 3.8876% | 4,057 |
| Cash dividends to net income (ytd only)* | 73.3505% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 5,109 |
| Loan loss allowance to noncurrent loans | 413.3100% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 6,588 |
| Noncurrent loans to loans | 0.3074% | 6,579 |
| Net loans and leases to total assets | 78.6254% | 939 |
| Net loans and leases to deposits | 88.7439% | 1,898 |
| Net loans and leases to core deposits | 97.8039% | 2,066 |
| Total domestic deposits to total assets | 88.5980% | 1,625 |
| Equity capital to assets | 8.7487% | 5,942 |
| Core capital (leverage) ratio | 8.1229% | 6,159 |
| Tier 1 risk-based capital ratio | 10.5466% | 6,745 |
| Total risk-based capital ratio | 11.7974% | 6,725 |
| Memoranda: | ||
| Average total assets | $232,236,750 | 2,755 |
| Average earning assets | $214,296,500 | 2,734 |
| Average equity | $19,896,500 | 3,198 |
| Average total loans | $183,655,250 | 2,346 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5862% | 2,187 |
| Cost of funding earning assets | 1.2798% | 4,651 |
| Net interest margin | 4.3064% | 1,748 |
| Noninterest income to average assets | 0.8556% | 1,858 |
| Noninterest expense to average assets | 2.7814% | 4,570 |
| Loan and lease loss provision to assets | 0.2156% | 4,736 |
| Net operating income to assets | 1.7422% | 536 |
| Return on assets (ROA) | 1.7422% | 590 |
| Pretax return on assets | 1.8258% | 845 |
| Return on Equity (ROE) | 20.4802% | 294 |
| Retained earnings to average equity (ytd only) | 4.3394% | 3,313 |
| Net charge-offs to loans | 0.0525% | 5,652 |
| Credit loss provision to net charge-offs | 520.8333% | 712 |
| Earnings coverage of net charge-offs (x) | 49.3125% | 599 |
| Efficiency ratio | 57.6717% | 6,428 |
| Assets per employee ($millions) | 3.9005% | 3,973 |
| Cash dividends to net income (ytd only)* | 78.8119% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 5,092 |
| Loan loss allowance to noncurrent loans | 1,315.7303% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 7,013 |
| Noncurrent loans to loans | 0.0964% | 7,072 |
| Net loans and leases to total assets | 77.9037% | 1,131 |
| Net loans and leases to deposits | 87.6778% | 2,235 |
| Net loans and leases to core deposits | 96.5396% | 2,388 |
| Total domestic deposits to total assets | 88.8523% | 1,520 |
| Equity capital to assets | 8.4775% | 6,188 |
| Core capital (leverage) ratio | 7.9455% | 6,333 |
| Tier 1 risk-based capital ratio | 10.3324% | 6,813 |
| Total risk-based capital ratio | 11.5879% | 6,790 |
| Memoranda: | ||
| Average total assets | $231,896,330 | 2,782 |
| Average earning assets | $213,634,000 | 2,764 |
| Average equity | $19,726,330 | 3,209 |
| Average total loans | $182,953,670 | 2,389 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6002% | 2,150 |
| Cost of funding earning assets | 1.3023% | 4,799 |
| Net interest margin | 4.2979% | 1,698 |
| Noninterest income to average assets | 0.8023% | 2,009 |
| Noninterest expense to average assets | 2.7172% | 4,824 |
| Loan and lease loss provision to assets | 0.2166% | 4,337 |
| Net operating income to assets | 1.7485% | 555 |
| Return on assets (ROA) | 1.7485% | 606 |
| Pretax return on assets | 1.8317% | 837 |
| Return on Equity (ROE) | 20.5191% | 354 |
| Retained earnings to average equity (ytd only) | 12.5880% | 672 |
| Net charge-offs to loans | 0.0242% | 5,241 |
| Credit loss provision to net charge-offs | 1,136.3636% | 423 |
| Earnings coverage of net charge-offs (x) | 107.4545% | 305 |
| Efficiency ratio | 57.0182% | 6,626 |
| Assets per employee ($millions) | 3.9740% | 3,936 |
| Cash dividends to net income (ytd only)* | 38.6521% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 5,310 |
| Loan loss allowance to noncurrent loans | 453.5211% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 6,749 |
| Noncurrent loans to loans | 0.2722% | 6,776 |
| Net loans and leases to total assets | 76.9194% | 1,343 |
| Net loans and leases to deposits | 88.4458% | 2,145 |
| Net loans and leases to core deposits | 95.3304% | 2,659 |
| Total domestic deposits to total assets | 86.9678% | 2,640 |
| Equity capital to assets | 8.5292% | 5,960 |
| Core capital (leverage) ratio | 8.1363% | 6,012 |
| Tier 1 risk-based capital ratio | 10.5359% | 6,603 |
| Total risk-based capital ratio | 11.7840% | 6,589 |
| Memoranda: | ||
| Average total assets | $230,829,500 | 2,866 |
| Average earning assets | $212,850,000 | 2,836 |
| Average equity | $19,669,500 | 3,244 |
| Average total loans | $182,100,500 | 2,463 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9156% | 2,171 |
| Cost of funding earning assets | 1.6436% | 4,829 |
| Net interest margin | 4.2720% | 1,812 |
| Noninterest income to average assets | 0.8647% | 2,113 |
| Noninterest expense to average assets | 2.8675% | 4,665 |
| Loan and lease loss provision to assets | 0.2327% | 5,513 |
| Net operating income to assets | 1.6459% | 489 |
| Return on assets (ROA) | 1.6459% | 521 |
| Pretax return on assets | 1.7245% | 741 |
| Return on Equity (ROE) | 19.5984% | 266 |
| Retained earnings to average equity (ytd only) | 5.7811% | 1,434 |
| Net charge-offs to loans | 0.1686% | 5,601 |
| Credit loss provision to net charge-offs | 170.8197% | 2,494 |
| Earnings coverage of net charge-offs (x) | 14.3672% | 1,374 |
| Efficiency ratio | 59.4149% | 6,569 |
| Assets per employee ($millions) | 3.8507% | 4,143 |
| Cash dividends to net income (ytd only)* | 70.5020% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 5,478 |
| Loan loss allowance to noncurrent loans | 385.0719% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 6,611 |
| Noncurrent loans to loans | 0.3062% | 6,665 |
| Net loans and leases to total assets | 78.9884% | 1,185 |
| Net loans and leases to deposits | 90.9868% | 2,051 |
| Net loans and leases to core deposits | 111.8349% | 2,712 |
| Total domestic deposits to total assets | 86.8130% | 2,600 |
| Equity capital to assets | 8.5130% | 5,860 |
| Core capital (leverage) ratio | 7.9902% | 6,212 |
| Tier 1 risk-based capital ratio | 10.2439% | 6,642 |
| Total risk-based capital ratio | 11.4353% | 6,671 |
| Memoranda: | ||
| Average total assets | $223,885,200 | 2,889 |
| Average earning assets | $207,535,400 | 2,864 |
| Average equity | $18,802,600 | 3,374 |
| Average total loans | $180,919,200 | 2,501 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9170% | 2,371 |
| Cost of funding earning assets | 1.7117% | 4,840 |
| Net interest margin | 4.2053% | 2,039 |
| Noninterest income to average assets | 0.8536% | 2,184 |
| Noninterest expense to average assets | 2.8691% | 4,573 |
| Loan and lease loss provision to assets | 0.1895% | 5,480 |
| Net operating income to assets | 1.6264% | 633 |
| Return on assets (ROA) | 1.6264% | 681 |
| Pretax return on assets | 1.7041% | 969 |
| Return on Equity (ROE) | 19.4338% | 343 |
| Retained earnings to average equity (ytd only) | 7.2493% | 1,416 |
| Net charge-offs to loans | 0.0885% | 5,799 |
| Credit loss provision to net charge-offs | 264.1667% | 1,610 |
| Earnings coverage of net charge-offs (x) | 26.3993% | 1,023 |
| Efficiency ratio | 60.2159% | 6,385 |
| Assets per employee ($millions) | 3.8683% | 4,026 |
| Cash dividends to net income (ytd only)* | 62.6975% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 5,465 |
| Loan loss allowance to noncurrent loans | 416.6994% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 6,709 |
| Noncurrent loans to loans | 0.2741% | 6,826 |
| Net loans and leases to total assets | 80.4448% | 1,098 |
| Net loans and leases to deposits | 92.9361% | 2,072 |
| Net loans and leases to core deposits | 116.1658% | 2,605 |
| Total domestic deposits to total assets | 86.5592% | 2,401 |
| Equity capital to assets | 8.4598% | 6,298 |
| Core capital (leverage) ratio | 8.0220% | 6,322 |
| Tier 1 risk-based capital ratio | 10.0232% | 6,955 |
| Total risk-based capital ratio | 11.1827% | 6,991 |
| Memoranda: | ||
| Average total assets | $223,058,000 | 2,915 |
| Average earning assets | $207,351,250 | 2,890 |
| Average equity | $18,668,000 | 3,426 |
| Average total loans | $180,749,500 | 2,536 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9171% | 2,508 |
| Cost of funding earning assets | 1.7847% | 4,836 |
| Net interest margin | 4.1325% | 2,218 |
| Noninterest income to average assets | 0.8440% | 2,199 |
| Noninterest expense to average assets | 2.8780% | 4,588 |
| Loan and lease loss provision to assets | 0.1717% | 5,350 |
| Net operating income to assets | 1.5596% | 742 |
| Return on assets (ROA) | 1.5596% | 799 |
| Pretax return on assets | 1.6337% | 1,143 |
| Return on Equity (ROE) | 18.7053% | 430 |
| Retained earnings to average equity (ytd only) | 6.8926% | 1,625 |
| Net charge-offs to loans | 0.0759% | 5,448 |
| Credit loss provision to net charge-offs | 279.4118% | 1,674 |
| Earnings coverage of net charge-offs (x) | 29.3824% | 1,010 |
| Efficiency ratio | 61.4316% | 6,323 |
| Assets per employee ($millions) | 3.8367% | 4,009 |
| Cash dividends to net income (ytd only)* | 63.1518% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 5,440 |
| Loan loss allowance to noncurrent loans | 417.5510% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 6,688 |
| Noncurrent loans to loans | 0.2690% | 6,854 |
| Net loans and leases to total assets | 79.5686% | 1,384 |
| Net loans and leases to deposits | 92.5433% | 2,360 |
| Net loans and leases to core deposits | 110.8651% | 3,278 |
| Total domestic deposits to total assets | 85.9798% | 2,805 |
| Equity capital to assets | 8.2605% | 6,401 |
| Core capital (leverage) ratio | 7.8937% | 6,497 |
| Tier 1 risk-based capital ratio | 10.0378% | 6,879 |
| Total risk-based capital ratio | 11.1825% | 6,929 |
| Memoranda: | ||
| Average total assets | $221,333,670 | 2,958 |
| Average earning assets | $205,640,330 | 2,925 |
| Average equity | $18,454,670 | 3,475 |
| Average total loans | $179,092,330 | 2,584 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0000% | 2,366 |
| Cost of funding earning assets | 1.8999% | 4,629 |
| Net interest margin | 4.1001% | 2,267 |
| Noninterest income to average assets | 0.8317% | 2,167 |
| Noninterest expense to average assets | 2.8371% | 4,395 |
| Loan and lease loss provision to assets | 0.1737% | 4,724 |
| Net operating income to assets | 1.5428% | 865 |
| Return on assets (ROA) | 1.5428% | 941 |
| Pretax return on assets | 1.6160% | 1,368 |
| Return on Equity (ROE) | 18.4154% | 559 |
| Retained earnings to average equity (ytd only) | 12.2187% | 751 |
| Net charge-offs to loans | 0.0023% | 5,710 |
| Credit loss provision to net charge-offs | 9,500.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 979.0000% | 12 |
| Efficiency ratio | 61.2801% | 6,201 |
| Assets per employee ($millions) | 3.7926% | 4,115 |
| Cash dividends to net income (ytd only)* | 33.6493% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 5,206 |
| Loan loss allowance to noncurrent loans | 322.8800% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 6,389 |
| Noncurrent loans to loans | 0.3524% | 6,549 |
| Net loans and leases to total assets | 78.3549% | 1,733 |
| Net loans and leases to deposits | 91.6533% | 2,658 |
| Net loans and leases to core deposits | 109.1589% | 3,545 |
| Total domestic deposits to total assets | 85.4905% | 2,974 |
| Equity capital to assets | 8.3204% | 6,360 |
| Core capital (leverage) ratio | 8.0599% | 6,367 |
| Tier 1 risk-based capital ratio | 10.1157% | 6,798 |
| Total risk-based capital ratio | 11.2575% | 6,818 |
| Memoranda: | ||
| Average total assets | $218,817,000 | 2,999 |
| Average earning assets | $202,533,500 | 2,987 |
| Average equity | $18,332,500 | 3,512 |
| Average total loans | $177,557,000 | 2,623 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6082% | 2,441 |
| Cost of funding earning assets | 2.5877% | 3,741 |
| Net interest margin | 4.0205% | 3,023 |
| Noninterest income to average assets | 0.8157% | 2,426 |
| Noninterest expense to average assets | 2.7846% | 4,888 |
| Loan and lease loss provision to assets | 0.1163% | 5,890 |
| Net operating income to assets | 1.4780% | 1,068 |
| Return on assets (ROA) | 1.4808% | 1,020 |
| Pretax return on assets | 1.5260% | 1,610 |
| Return on Equity (ROE) | 18.4700% | 492 |
| Retained earnings to average equity (ytd only) | 4.4150% | 2,377 |
| Net charge-offs to loans | 0.1116% | 5,155 |
| Credit loss provision to net charge-offs | 129.3194% | 4,124 |
| Earnings coverage of net charge-offs (x) | 18.2356% | 1,719 |
| Efficiency ratio | 62.8897% | 5,801 |
| Assets per employee ($millions) | 3.6249% | 4,353 |
| Cash dividends to net income (ytd only)* | 76.0966% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 5,400 |
| Loan loss allowance to noncurrent loans | 432.3596% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 6,367 |
| Noncurrent loans to loans | 0.2503% | 6,637 |
| Net loans and leases to total assets | 82.2191% | 1,189 |
| Net loans and leases to deposits | 96.8677% | 2,306 |
| Net loans and leases to core deposits | 117.0400% | 3,003 |
| Total domestic deposits to total assets | 84.8777% | 2,900 |
| Equity capital to assets | 8.4383% | 6,192 |
| Core capital (leverage) ratio | 7.8945% | 6,660 |
| Tier 1 risk-based capital ratio | 9.8827% | 6,869 |
| Total risk-based capital ratio | 10.9807% | 6,952 |
| Memoranda: | ||
| Average total assets | $212,457,600 | 2,973 |
| Average earning assets | $190,671,400 | 3,029 |
| Average equity | $17,033,000 | 3,732 |
| Average total loans | $171,090,200 | 2,594 |