Home > Community Bank & Trust, Waco, Texas > Performance and Condition Ratios
Community Bank & Trust, Waco, Texas, 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 | 4.5237% | 3,051 |
| Cost of funding earning assets | 1.2456% | 2,668 |
| Net interest margin | 3.2782% | 2,683 |
| Noninterest income to average assets | 1.1900% | 503 |
| Noninterest expense to average assets | 2.9170% | 1,244 |
| Loan and lease loss provision to assets | 0.2900% | 373 |
| Net operating income to assets | 0.9306% | 2,446 |
| Return on assets (ROA) | 0.9306% | 2,421 |
| Pretax return on assets | 1.0862% | 2,445 |
| Return on Equity (ROE) | 8.9600% | 2,768 |
| Retained earnings to average equity (ytd only) | 8.3660% | 1,437 |
| Net charge-offs to loans | 0.6064% | 163 |
| Credit loss provision to net charge-offs | 81.1243% | 2,013 |
| Earnings coverage of net charge-offs (x) | 3.8012% | 2,626 |
| Efficiency ratio | 67.8707% | 2,127 |
| Assets per employee ($millions) | 5.8147% | 2,970 |
| Cash dividends to net income (ytd only)* | 6.6012% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 1,107 |
| Loan loss allowance to noncurrent loans | 81.2647% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.0854% | 430 |
| Noncurrent loans to loans | 1.8247% | 325 |
| Net loans and leases to total assets | 58.6000% | 2,984 |
| Net loans and leases to deposits | 66.0230% | 3,170 |
| Net loans and leases to core deposits | 85.7365% | 2,324 |
| Total domestic deposits to total assets | 88.7500% | 1,138 |
| Equity capital to assets | 10.9312% | 1,506 |
| Core capital (leverage) ratio | 14.0063% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7372% | 434 |
| Memoranda: | ||
| Average total assets | $602,303,400 | 1,473 |
| Average earning assets | $570,500,200 | 1,439 |
| Average equity | $62,574,600 | 1,351 |
| Average total loans | $360,807,000 | 1,575 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 3,038 |
| Cost of funding earning assets | 1.0936% | 2,760 |
| Net interest margin | 3.3376% | 2,601 |
| Noninterest income to average assets | 1.2500% | 474 |
| Noninterest expense to average assets | 2.9057% | 1,219 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 1.0973% | 2,067 |
| Return on assets (ROA) | 1.0973% | 2,052 |
| Pretax return on assets | 1.2405% | 2,194 |
| Return on Equity (ROE) | 10.7100% | 2,447 |
| Retained earnings to average equity (ytd only) | 10.7089% | 1,214 |
| Net charge-offs to loans | 0.0235% | 1,617 |
| Credit loss provision to net charge-offs | 1,865.0794% | 255 |
| Earnings coverage of net charge-offs (x) | 106.6508% | 892 |
| Efficiency ratio | 65.9021% | 2,288 |
| Assets per employee ($millions) | 5.6323% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9162% | 465 |
| Loan loss allowance to noncurrent loans | 82.6102% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.4189% | 273 |
| Noncurrent loans to loans | 2.3195% | 220 |
| Net loans and leases to total assets | 60.0000% | 2,847 |
| Net loans and leases to deposits | 67.9515% | 2,979 |
| Net loans and leases to core deposits | 84.0648% | 2,322 |
| Total domestic deposits to total assets | 88.3000% | 1,478 |
| Equity capital to assets | 9.6142% | 2,032 |
| Core capital (leverage) ratio | 14.4222% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0023% | 437 |
| Memoranda: | ||
| Average total assets | $595,881,250 | 1,489 |
| Average earning assets | $564,750,750 | 1,449 |
| Average equity | $61,056,500 | 1,365 |
| Average total loans | $357,625,750 | 1,586 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 2,939 |
| Cost of funding earning assets | 0.9661% | 2,718 |
| Net interest margin | 3.4122% | 2,487 |
| Noninterest income to average assets | 1.3100% | 385 |
| Noninterest expense to average assets | 2.8614% | 1,304 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 1.2756% | 1,629 |
| Return on assets (ROA) | 1.2756% | 1,619 |
| Pretax return on assets | 1.4575% | 1,684 |
| Return on Equity (ROE) | 12.1900% | 2,097 |
| Retained earnings to average equity (ytd only) | 12.1942% | 950 |
| Net charge-offs to loans | 0.0367% | 1,171 |
| Credit loss provision to net charge-offs | 1,038.4615% | 395 |
| Earnings coverage of net charge-offs (x) | 76.9385% | 1,072 |
| Efficiency ratio | 62.9391% | 2,603 |
| Assets per employee ($millions) | 5.4881% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8179% | 584 |
| Loan loss allowance to noncurrent loans | 76.4089% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.4356% | 253 |
| Noncurrent loans to loans | 2.3792% | 201 |
| Net loans and leases to total assets | 59.2400% | 2,842 |
| Net loans and leases to deposits | 66.6304% | 3,027 |
| Net loans and leases to core deposits | 81.4294% | 2,376 |
| Total domestic deposits to total assets | 88.9100% | 1,290 |
| Equity capital to assets | 10.7187% | 1,501 |
| Core capital (leverage) ratio | 14.4060% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5581% | 407 |
| Memoranda: | ||
| Average total assets | $593,624,000 | 1,493 |
| Average earning assets | $562,686,667 | 1,456 |
| Average equity | $62,095,333 | 1,351 |
| Average total loans | $353,950,667 | 1,587 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 2,951 |
| Cost of funding earning assets | 0.8170% | 2,673 |
| Net interest margin | 3.4239% | 2,573 |
| Noninterest income to average assets | 1.0700% | 522 |
| Noninterest expense to average assets | 2.7808% | 1,477 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.2068% | 1,913 |
| Return on assets (ROA) | 1.2068% | 1,871 |
| Pretax return on assets | 1.3556% | 2,004 |
| Return on Equity (ROE) | 11.6800% | 2,303 |
| Retained earnings to average equity (ytd only) | 11.6825% | 1,328 |
| Net charge-offs to loans | -0.0126% | 3,926 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.3349% | 2,412 |
| Assets per employee ($millions) | 5.5835% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 715 |
| Loan loss allowance to noncurrent loans | 2,121.7687% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 3,295 |
| Noncurrent loans to loans | 0.0828% | 3,150 |
| Net loans and leases to total assets | 58.3900% | 2,832 |
| Net loans and leases to deposits | 65.4189% | 2,981 |
| Net loans and leases to core deposits | 78.8687% | 2,327 |
| Total domestic deposits to total assets | 89.2600% | 1,437 |
| Equity capital to assets | 10.4842% | 1,567 |
| Core capital (leverage) ratio | 14.2976% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0708% | 433 |
| Memoranda: | ||
| Average total assets | $591,332,500 | 1,517 |
| Average earning assets | $561,110,000 | 1,488 |
| Average equity | $61,083,000 | 1,380 |
| Average total loans | $350,446,500 | 1,615 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5581% | 2,919 |
| Cost of funding earning assets | 0.3311% | 2,622 |
| Net interest margin | 3.2271% | 2,782 |
| Noninterest income to average assets | 1.6200% | 317 |
| Noninterest expense to average assets | 2.8931% | 1,134 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.4057% | 1,116 |
| Return on assets (ROA) | 1.3893% | 1,107 |
| Pretax return on assets | 1.6394% | 1,060 |
| Return on Equity (ROE) | 12.4100% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.4680% | 1,013 |
| Net charge-offs to loans | 0.6038% | 115 |
| Credit loss provision to net charge-offs | 40.1070% | 1,861 |
| Earnings coverage of net charge-offs (x) | 5.5904% | 2,369 |
| Efficiency ratio | 61.8188% | 2,789 |
| Assets per employee ($millions) | 5.4188% | 3,294 |
| Cash dividends to net income (ytd only)* | 15.6619% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 777 |
| Loan loss allowance to noncurrent loans | 2,133.3333% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 3,331 |
| Noncurrent loans to loans | 0.0807% | 3,181 |
| Net loans and leases to total assets | 58.0700% | 2,816 |
| Net loans and leases to deposits | 64.9109% | 2,964 |
| Net loans and leases to core deposits | 74.4020% | 2,539 |
| Total domestic deposits to total assets | 89.4600% | 1,578 |
| Equity capital to assets | 10.1720% | 1,625 |
| Core capital (leverage) ratio | 13.8377% | 745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9910% | 421 |
| Memoranda: | ||
| Average total assets | $585,042,000 | 1,523 |
| Average earning assets | $555,148,600 | 1,493 |
| Average equity | $65,485,000 | 1,315 |
| Average total loans | $309,703,000 | 1,677 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3876% | 2,945 |
| Cost of funding earning assets | 0.2519% | 2,678 |
| Net interest margin | 3.1357% | 2,814 |
| Noninterest income to average assets | 1.8100% | 296 |
| Noninterest expense to average assets | 2.8606% | 1,122 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.5462% | 750 |
| Return on assets (ROA) | 1.5243% | 775 |
| Pretax return on assets | 1.7928% | 742 |
| Return on Equity (ROE) | 13.3100% | 1,609 |
| Retained earnings to average equity (ytd only) | 11.4768% | 926 |
| Net charge-offs to loans | 0.0049% | 2,002 |
| Credit loss provision to net charge-offs | 4,090.9091% | 136 |
| Earnings coverage of net charge-offs (x) | 766.2727% | 215 |
| Efficiency ratio | 59.8236% | 3,133 |
| Assets per employee ($millions) | 5.6244% | 3,104 |
| Cash dividends to net income (ytd only)* | 13.8008% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2803% | 305 |
| Loan loss allowance to noncurrent loans | 2,845.0758% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 3,458 |
| Noncurrent loans to loans | 0.0801% | 3,304 |
| Net loans and leases to total assets | 53.9900% | 3,103 |
| Net loans and leases to deposits | 60.4408% | 3,158 |
| Net loans and leases to core deposits | 65.6108% | 2,976 |
| Total domestic deposits to total assets | 89.3300% | 1,948 |
| Equity capital to assets | 8.9759% | 2,230 |
| Core capital (leverage) ratio | 14.4191% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0499% | 428 |
| Memoranda: | ||
| Average total assets | $584,994,250 | 1,528 |
| Average earning assets | $555,233,250 | 1,496 |
| Average equity | $66,973,750 | 1,307 |
| Average total loans | $300,677,250 | 1,709 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2647% | 2,857 |
| Cost of funding earning assets | 0.2178% | 2,662 |
| Net interest margin | 3.0469% | 2,733 |
| Noninterest income to average assets | 2.1439% | 211 |
| Noninterest expense to average assets | 2.8410% | 1,097 |
| Loan and lease loss provision to assets | 0.0688% | 1,382 |
| Net operating income to assets | 1.7964% | 339 |
| Return on assets (ROA) | 1.7637% | 359 |
| Pretax return on assets | 2.0875% | 305 |
| Return on Equity (ROE) | 14.3464% | 1,030 |
| Retained earnings to average equity (ytd only) | 11.7631% | 646 |
| Net charge-offs to loans | 0.0179% | 1,379 |
| Credit loss provision to net charge-offs | 769.2308% | 482 |
| Earnings coverage of net charge-offs (x) | 245.3846% | 479 |
| Efficiency ratio | 56.4118% | 3,736 |
| Assets per employee ($millions) | 5.3472% | 3,388 |
| Cash dividends to net income (ytd only)* | 18.0062% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3503% | 306 |
| Loan loss allowance to noncurrent loans | 7,708.5106% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,848 |
| Noncurrent loans to loans | 0.0305% | 3,726 |
| Net loans and leases to total assets | 53.6203% | 3,004 |
| Net loans and leases to deposits | 62.6611% | 2,838 |
| Net loans and leases to core deposits | 66.3283% | 2,790 |
| Total domestic deposits to total assets | 85.5720% | 3,358 |
| Equity capital to assets | 10.7042% | 1,355 |
| Core capital (leverage) ratio | 14.4526% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8899% | 372 |
| Memoranda: | ||
| Average total assets | $581,264,000 | 1,541 |
| Average earning assets | $551,775,333 | 1,516 |
| Average equity | $71,460,667 | 1,273 |
| Average total loans | $291,107,667 | 1,753 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0849% | 3,022 |
| Cost of funding earning assets | 0.2100% | 2,670 |
| Net interest margin | 2.8748% | 2,912 |
| Noninterest income to average assets | 1.2504% | 453 |
| Noninterest expense to average assets | 2.7106% | 1,334 |
| Loan and lease loss provision to assets | 0.0507% | 1,463 |
| Net operating income to assets | 1.0522% | 1,682 |
| Return on assets (ROA) | 1.0522% | 1,672 |
| Pretax return on assets | 1.2213% | 1,730 |
| Return on Equity (ROE) | 8.0631% | 2,667 |
| Retained earnings to average equity (ytd only) | 3.2771% | 3,172 |
| Net charge-offs to loans | 0.0127% | 1,302 |
| Credit loss provision to net charge-offs | 833.3333% | 383 |
| Earnings coverage of net charge-offs (x) | 208.8889% | 420 |
| Efficiency ratio | 68.0598% | 2,498 |
| Assets per employee ($millions) | 5.5552% | 3,272 |
| Cash dividends to net income (ytd only)* | 59.3569% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5172% | 283 |
| Loan loss allowance to noncurrent loans | 3,551.2438% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 897 |
| Noncurrent loans to loans | 0.0709% | 3,497 |
| Net loans and leases to total assets | 47.8473% | 3,403 |
| Net loans and leases to deposits | 54.6746% | 3,364 |
| Net loans and leases to core deposits | 57.5366% | 3,343 |
| Total domestic deposits to total assets | 87.5128% | 2,740 |
| Equity capital to assets | 12.3615% | 843 |
| Core capital (leverage) ratio | 13.7941% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3008% | 367 |
| Memoranda: | ||
| Average total assets | $591,168,500 | 1,524 |
| Average earning assets | $561,841,500 | 1,497 |
| Average equity | $77,141,500 | 1,230 |
| Average total loans | $282,511,500 | 1,777 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2965% | 3,226 |
| Cost of funding earning assets | 0.3024% | 2,388 |
| Net interest margin | 2.9941% | 3,207 |
| Noninterest income to average assets | 1.2743% | 656 |
| Noninterest expense to average assets | 2.7845% | 1,393 |
| Loan and lease loss provision to assets | 0.0813% | 1,504 |
| Net operating income to assets | 1.0810% | 2,364 |
| Return on assets (ROA) | 1.0810% | 2,435 |
| Pretax return on assets | 1.2577% | 2,492 |
| Return on Equity (ROE) | 7.3906% | 3,407 |
| Retained earnings to average equity (ytd only) | 6.7113% | 2,033 |
| Net charge-offs to loans | -0.0020% | 3,358 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5283% | 2,051 |
| Assets per employee ($millions) | 5.9275% | 2,840 |
| Cash dividends to net income (ytd only)* | 9.1912% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5127% | 272 |
| Loan loss allowance to noncurrent loans | 3,061.4719% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 1,039 |
| Noncurrent loans to loans | 0.0821% | 3,519 |
| Net loans and leases to total assets | 45.3823% | 3,735 |
| Net loans and leases to deposits | 52.6056% | 3,696 |
| Net loans and leases to core deposits | 55.5207% | 3,662 |
| Total domestic deposits to total assets | 86.2690% | 2,816 |
| Equity capital to assets | 13.7059% | 723 |
| Core capital (leverage) ratio | 14.3352% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5928% | 367 |
| Memoranda: | ||
| Average total assets | $553,562,800 | 1,563 |
| Average earning assets | $526,773,400 | 1,527 |
| Average equity | $80,967,600 | 1,199 |
| Average total loans | $301,831,800 | 1,700 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3224% | 3,331 |
| Cost of funding earning assets | 0.3264% | 2,336 |
| Net interest margin | 2.9960% | 3,320 |
| Noninterest income to average assets | 1.2862% | 707 |
| Noninterest expense to average assets | 2.8022% | 1,335 |
| Loan and lease loss provision to assets | 0.0925% | 1,290 |
| Net operating income to assets | 1.0619% | 2,681 |
| Return on assets (ROA) | 1.0619% | 2,751 |
| Pretax return on assets | 1.2408% | 2,799 |
| Return on Equity (ROE) | 7.1342% | 3,634 |
| Retained earnings to average equity (ytd only) | 7.1342% | 2,360 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7596% | 1,867 |
| Assets per employee ($millions) | 5.4223% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4605% | 305 |
| Loan loss allowance to noncurrent loans | 3,282.1596% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.6827% | 1,098 |
| Noncurrent loans to loans | 0.0750% | 3,719 |
| Net loans and leases to total assets | 49.6235% | 3,451 |
| Net loans and leases to deposits | 58.3970% | 3,371 |
| Net loans and leases to core deposits | 61.4470% | 3,366 |
| Total domestic deposits to total assets | 84.9760% | 3,120 |
| Equity capital to assets | 14.7866% | 577 |
| Core capital (leverage) ratio | 14.5765% | 545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9698% | 376 |
| Memoranda: | ||
| Average total assets | $540,803,250 | 1,605 |
| Average earning assets | $514,316,250 | 1,573 |
| Average equity | $80,493,000 | 1,222 |
| Average total loans | $306,926,250 | 1,702 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3101% | 3,398 |
| Cost of funding earning assets | 0.3478% | 2,334 |
| Net interest margin | 2.9624% | 3,413 |
| Noninterest income to average assets | 1.2731% | 719 |
| Noninterest expense to average assets | 2.8554% | 1,243 |
| Loan and lease loss provision to assets | 0.1122% | 1,130 |
| Net operating income to assets | 0.9613% | 3,029 |
| Return on assets (ROA) | 0.9613% | 3,113 |
| Pretax return on assets | 1.1209% | 3,143 |
| Return on Equity (ROE) | 6.4439% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.4439% | 2,643 |
| Net charge-offs to loans | -0.0095% | 3,649 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8400% | 1,661 |
| Assets per employee ($millions) | 5.3684% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3545% | 331 |
| Loan loss allowance to noncurrent loans | 138,620.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.6715% | 1,235 |
| Noncurrent loans to loans | 0.0017% | 4,266 |
| Net loans and leases to total assets | 53.5434% | 3,187 |
| Net loans and leases to deposits | 63.2813% | 3,075 |
| Net loans and leases to core deposits | 66.6370% | 3,058 |
| Total domestic deposits to total assets | 84.6117% | 3,256 |
| Equity capital to assets | 15.1380% | 509 |
| Core capital (leverage) ratio | 14.2735% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5770% | 353 |
| Memoranda: | ||
| Average total assets | $534,907,000 | 1,615 |
| Average earning assets | $508,379,667 | 1,581 |
| Average equity | $79,796,667 | 1,223 |
| Average total loans | $314,523,667 | 1,685 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2440% | 3,597 |
| Cost of funding earning assets | 0.3625% | 2,425 |
| Net interest margin | 2.8815% | 3,572 |
| Noninterest income to average assets | 1.2668% | 787 |
| Noninterest expense to average assets | 2.8415% | 1,280 |
| Loan and lease loss provision to assets | 0.1124% | 1,231 |
| Net operating income to assets | 0.9012% | 3,123 |
| Return on assets (ROA) | 0.9012% | 3,204 |
| Pretax return on assets | 1.0525% | 3,228 |
| Return on Equity (ROE) | 6.0864% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.0864% | 2,860 |
| Net charge-offs to loans | -0.0333% | 4,222 |
| Credit loss provision to net charge-offs | -555.5556% | 3,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9237% | 1,609 |
| Assets per employee ($millions) | 5.4167% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1368% | 468 |
| Loan loss allowance to noncurrent loans | 3,632.6203% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.6922% | 1,357 |
| Noncurrent loans to loans | 0.0588% | 3,992 |
| Net loans and leases to total assets | 56.8656% | 2,933 |
| Net loans and leases to deposits | 66.5709% | 2,857 |
| Net loans and leases to core deposits | 69.9702% | 2,867 |
| Total domestic deposits to total assets | 85.4212% | 2,955 |
| Equity capital to assets | 14.3814% | 594 |
| Core capital (leverage) ratio | 14.4223% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7089% | 367 |
| Memoranda: | ||
| Average total assets | $533,942,500 | 1,602 |
| Average earning assets | $507,651,000 | 1,569 |
| Average equity | $79,062,000 | 1,221 |
| Average total loans | $324,600,000 | 1,648 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 2,492 |
| Cost of funding earning assets | 0.5118% | 2,875 |
| Net interest margin | 3.5635% | 2,267 |
| Noninterest income to average assets | 1.2349% | 736 |
| Noninterest expense to average assets | 2.9898% | 1,457 |
| Loan and lease loss provision to assets | 0.4753% | 560 |
| Net operating income to assets | 0.9755% | 2,378 |
| Return on assets (ROA) | 0.9812% | 2,500 |
| Pretax return on assets | 1.1549% | 2,496 |
| Return on Equity (ROE) | 6.5372% | 3,394 |
| Retained earnings to average equity (ytd only) | 6.2403% | 1,686 |
| Net charge-offs to loans | 0.0405% | 2,249 |
| Credit loss provision to net charge-offs | 1,777.7778% | 487 |
| Earnings coverage of net charge-offs (x) | 60.7259% | 1,064 |
| Efficiency ratio | 64.8094% | 2,700 |
| Assets per employee ($millions) | 5.1059% | 3,276 |
| Cash dividends to net income (ytd only)* | 4.5409% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 591 |
| Loan loss allowance to noncurrent loans | 2,657.0281% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 1,395 |
| Noncurrent loans to loans | 0.0752% | 3,992 |
| Net loans and leases to total assets | 62.3441% | 2,567 |
| Net loans and leases to deposits | 73.6472% | 2,518 |
| Net loans and leases to core deposits | 77.7905% | 2,569 |
| Total domestic deposits to total assets | 84.6524% | 2,897 |
| Equity capital to assets | 15.2545% | 531 |
| Core capital (leverage) ratio | 14.2667% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4688% | 368 |
| Memoranda: | ||
| Average total assets | $504,986,800 | 1,536 |
| Average earning assets | $478,736,200 | 1,512 |
| Average equity | $75,797,400 | 1,209 |
| Average total loans | $333,498,400 | 1,564 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 2,559 |
| Cost of funding earning assets | 0.5403% | 2,988 |
| Net interest margin | 3.5986% | 2,277 |
| Noninterest income to average assets | 1.2419% | 706 |
| Noninterest expense to average assets | 3.0666% | 1,300 |
| Loan and lease loss provision to assets | 0.4391% | 746 |
| Net operating income to assets | 0.9745% | 2,433 |
| Return on assets (ROA) | 0.9822% | 2,539 |
| Pretax return on assets | 1.1554% | 2,545 |
| Return on Equity (ROE) | 6.5716% | 3,353 |
| Retained earnings to average equity (ytd only) | 6.5716% | 1,860 |
| Net charge-offs to loans | -0.0108% | 4,241 |
| Credit loss provision to net charge-offs | -6,111.1111% | 4,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9192% | 2,480 |
| Assets per employee ($millions) | 5.1512% | 3,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 822 |
| Loan loss allowance to noncurrent loans | 309.1282% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 1.0563% | 1,026 |
| Noncurrent loans to loans | 0.5633% | 2,388 |
| Net loans and leases to total assets | 64.7438% | 2,673 |
| Net loans and leases to deposits | 76.3065% | 2,720 |
| Net loans and leases to core deposits | 80.5654% | 2,794 |
| Total domestic deposits to total assets | 84.8470% | 2,499 |
| Equity capital to assets | 14.7659% | 686 |
| Core capital (leverage) ratio | 13.8574% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1792% | 444 |
| Memoranda: | ||
| Average total assets | $501,034,250 | 1,524 |
| Average earning assets | $474,804,000 | 1,501 |
| Average equity | $74,885,500 | 1,212 |
| Average total loans | $334,047,500 | 1,553 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 2,773 |
| Cost of funding earning assets | 0.5690% | 3,133 |
| Net interest margin | 3.6281% | 2,388 |
| Noninterest income to average assets | 1.2578% | 638 |
| Noninterest expense to average assets | 3.1677% | 1,215 |
| Loan and lease loss provision to assets | 0.3652% | 1,148 |
| Net operating income to assets | 0.9824% | 2,391 |
| Return on assets (ROA) | 0.9941% | 2,477 |
| Pretax return on assets | 1.1718% | 2,456 |
| Return on Equity (ROE) | 6.6228% | 3,280 |
| Retained earnings to average equity (ytd only) | 6.6228% | 1,816 |
| Net charge-offs to loans | -0.0012% | 3,769 |
| Credit loss provision to net charge-offs | -45,000.0000% | 4,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5288% | 2,302 |
| Assets per employee ($millions) | 5.3331% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 1,229 |
| Loan loss allowance to noncurrent loans | 63.4191% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 2.2029% | 301 |
| Noncurrent loans to loans | 2.3839% | 509 |
| Net loans and leases to total assets | 62.9086% | 3,020 |
| Net loans and leases to deposits | 77.0954% | 2,752 |
| Net loans and leases to core deposits | 81.2704% | 2,842 |
| Total domestic deposits to total assets | 81.5984% | 3,472 |
| Equity capital to assets | 14.0402% | 845 |
| Core capital (leverage) ratio | 13.5853% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1641% | 492 |
| Memoranda: | ||
| Average total assets | $492,906,000 | 1,518 |
| Average earning assets | $466,408,667 | 1,494 |
| Average equity | $73,986,333 | 1,213 |
| Average total loans | $329,995,333 | 1,556 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 2,822 |
| Cost of funding earning assets | 0.6112% | 3,376 |
| Net interest margin | 3.7198% | 2,262 |
| Noninterest income to average assets | 1.3445% | 495 |
| Noninterest expense to average assets | 3.2385% | 1,343 |
| Loan and lease loss provision to assets | 0.2140% | 1,436 |
| Net operating income to assets | 1.1578% | 1,666 |
| Return on assets (ROA) | 1.1819% | 1,700 |
| Pretax return on assets | 1.4318% | 1,477 |
| Return on Equity (ROE) | 7.5887% | 2,693 |
| Retained earnings to average equity (ytd only) | 7.5887% | 1,351 |
| Net charge-offs to loans | -0.0037% | 3,771 |
| Credit loss provision to net charge-offs | -8,333.3333% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7019% | 2,862 |
| Assets per employee ($millions) | 4.5456% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 1,563 |
| Loan loss allowance to noncurrent loans | 1,016.3355% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.8977% | 1,495 |
| Noncurrent loans to loans | 0.1413% | 3,959 |
| Net loans and leases to total assets | 67.5088% | 2,614 |
| Net loans and leases to deposits | 81.4860% | 2,525 |
| Net loans and leases to core deposits | 86.8095% | 2,611 |
| Total domestic deposits to total assets | 82.8471% | 3,155 |
| Equity capital to assets | 15.8891% | 604 |
| Core capital (leverage) ratio | 15.6864% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9142% | 564 |
| Memoranda: | ||
| Average total assets | $467,371,500 | 1,544 |
| Average earning assets | $441,100,000 | 1,516 |
| Average equity | $72,792,000 | 1,227 |
| Average total loans | $321,263,000 | 1,556 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4754% | 3,027 |
| Cost of funding earning assets | 0.6073% | 3,608 |
| Net interest margin | 3.8682% | 2,276 |
| Noninterest income to average assets | 1.3531% | 523 |
| Noninterest expense to average assets | 3.4093% | 1,097 |
| Loan and lease loss provision to assets | 0.1979% | 1,027 |
| Net operating income to assets | 1.1510% | 2,249 |
| Return on assets (ROA) | 1.1441% | 2,374 |
| Pretax return on assets | 1.3870% | 2,212 |
| Return on Equity (ROE) | 7.6849% | 3,295 |
| Retained earnings to average equity (ytd only) | 7.4485% | 1,186 |
| Net charge-offs to loans | 0.2470% | 838 |
| Credit loss provision to net charge-offs | 116.1290% | 2,173 |
| Earnings coverage of net charge-offs (x) | 9.3471% | 2,675 |
| Efficiency ratio | 68.1512% | 2,433 |
| Assets per employee ($millions) | 4.4013% | 3,368 |
| Cash dividends to net income (ytd only)* | 3.0757% | 3,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,702 |
| Loan loss allowance to noncurrent loans | 1,151.0582% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.8848% | 1,442 |
| Noncurrent loans to loans | 0.1174% | 4,065 |
| Net loans and leases to total assets | 68.0527% | 2,674 |
| Net loans and leases to deposits | 80.3386% | 2,737 |
| Net loans and leases to core deposits | 85.2477% | 2,852 |
| Total domestic deposits to total assets | 84.7073% | 2,604 |
| Equity capital to assets | 15.2593% | 734 |
| Core capital (leverage) ratio | 15.3388% | 617 |
| Tier 1 risk-based capital ratio | 20.9387% | 1,176 |
| Total risk-based capital ratio | 22.1891% | 1,153 |
| Memoranda: | ||
| Average total assets | $454,662,400 | 1,537 |
| Average earning assets | $428,964,400 | 1,508 |
| Average equity | $67,691,400 | 1,249 |
| Average total loans | $313,772,800 | 1,546 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4912% | 3,088 |
| Cost of funding earning assets | 0.6034% | 3,684 |
| Net interest margin | 3.8878% | 2,300 |
| Noninterest income to average assets | 1.3593% | 500 |
| Noninterest expense to average assets | 3.3509% | 1,178 |
| Loan and lease loss provision to assets | 0.1919% | 931 |
| Net operating income to assets | 1.2196% | 2,128 |
| Return on assets (ROA) | 1.2209% | 2,198 |
| Pretax return on assets | 1.4833% | 2,012 |
| Return on Equity (ROE) | 8.2532% | 3,214 |
| Retained earnings to average equity (ytd only) | 8.2532% | 1,297 |
| Net charge-offs to loans | 0.2292% | 769 |
| Credit loss provision to net charge-offs | 121.2687% | 1,940 |
| Earnings coverage of net charge-offs (x) | 10.5783% | 2,492 |
| Efficiency ratio | 66.6902% | 2,636 |
| Assets per employee ($millions) | 4.2602% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 1,657 |
| Loan loss allowance to noncurrent loans | 601.9417% | 853 |
| Noncurrent assets plus other real estate owned to assets | 1.0104% | 1,320 |
| Noncurrent loans to loans | 0.2288% | 3,726 |
| Net loans and leases to total assets | 67.5423% | 2,864 |
| Net loans and leases to deposits | 79.9074% | 2,907 |
| Net loans and leases to core deposits | 84.6821% | 3,027 |
| Total domestic deposits to total assets | 84.5258% | 2,617 |
| Equity capital to assets | 15.2110% | 793 |
| Core capital (leverage) ratio | 15.3685% | 666 |
| Tier 1 risk-based capital ratio | 21.1273% | 1,178 |
| Total risk-based capital ratio | 22.3781% | 1,157 |
| Memoranda: | ||
| Average total assets | $451,692,250 | 1,554 |
| Average earning assets | $425,833,000 | 1,534 |
| Average equity | $66,816,500 | 1,266 |
| Average total loans | $311,754,500 | 1,565 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 3,140 |
| Cost of funding earning assets | 0.5954% | 3,673 |
| Net interest margin | 3.8656% | 2,354 |
| Noninterest income to average assets | 1.3665% | 469 |
| Noninterest expense to average assets | 3.3790% | 1,139 |
| Loan and lease loss provision to assets | 0.2228% | 741 |
| Net operating income to assets | 1.1659% | 2,274 |
| Return on assets (ROA) | 1.1678% | 2,342 |
| Pretax return on assets | 1.4057% | 2,191 |
| Return on Equity (ROE) | 7.9714% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.9714% | 1,409 |
| Net charge-offs to loans | 0.3663% | 454 |
| Credit loss provision to net charge-offs | 87.8735% | 2,153 |
| Earnings coverage of net charge-offs (x) | 6.4148% | 2,573 |
| Efficiency ratio | 67.5093% | 2,611 |
| Assets per employee ($millions) | 4.1073% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 1,988 |
| Loan loss allowance to noncurrent loans | 1,184.3305% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.9558% | 1,458 |
| Noncurrent loans to loans | 0.1103% | 4,179 |
| Net loans and leases to total assets | 70.1557% | 2,512 |
| Net loans and leases to deposits | 82.9406% | 2,624 |
| Net loans and leases to core deposits | 87.6131% | 2,840 |
| Total domestic deposits to total assets | 84.5854% | 2,649 |
| Equity capital to assets | 15.2254% | 764 |
| Core capital (leverage) ratio | 15.2581% | 659 |
| Tier 1 risk-based capital ratio | 21.0901% | 1,165 |
| Total risk-based capital ratio | 22.3404% | 1,151 |
| Memoranda: | ||
| Average total assets | $448,889,330 | 1,568 |
| Average earning assets | $422,550,000 | 1,545 |
| Average equity | $65,760,000 | 1,279 |
| Average total loans | $310,638,330 | 1,571 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 3,255 |
| Cost of funding earning assets | 0.5750% | 3,702 |
| Net interest margin | 3.8169% | 2,460 |
| Noninterest income to average assets | 1.3607% | 459 |
| Noninterest expense to average assets | 3.2953% | 1,293 |
| Loan and lease loss provision to assets | 0.3115% | 407 |
| Net operating income to assets | 1.1373% | 2,320 |
| Return on assets (ROA) | 1.1373% | 2,366 |
| Pretax return on assets | 1.3393% | 2,291 |
| Return on Equity (ROE) | 7.9185% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.9185% | 1,695 |
| Net charge-offs to loans | 0.8004% | 188 |
| Credit loss provision to net charge-offs | 57.0033% | 1,927 |
| Earnings coverage of net charge-offs (x) | 3.0212% | 2,438 |
| Efficiency ratio | 66.6247% | 2,848 |
| Assets per employee ($millions) | 4.1924% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 2,124 |
| Loan loss allowance to noncurrent loans | 369.5896% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 1.1146% | 1,236 |
| Noncurrent loans to loans | 0.3497% | 3,329 |
| Net loans and leases to total assets | 67.4560% | 2,836 |
| Net loans and leases to deposits | 79.1627% | 2,934 |
| Net loans and leases to core deposits | 83.2901% | 3,085 |
| Total domestic deposits to total assets | 85.2118% | 2,596 |
| Equity capital to assets | 14.6572% | 833 |
| Core capital (leverage) ratio | 15.0615% | 683 |
| Tier 1 risk-based capital ratio | 21.0844% | 1,153 |
| Total risk-based capital ratio | 22.3340% | 1,131 |
| Memoranda: | ||
| Average total assets | $449,484,000 | 1,575 |
| Average earning assets | $422,230,000 | 1,551 |
| Average equity | $64,558,000 | 1,290 |
| Average total loans | $306,835,500 | 1,601 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 3,123 |
| Cost of funding earning assets | 0.5120% | 3,273 |
| Net interest margin | 3.7849% | 2,719 |
| Noninterest income to average assets | 1.2982% | 554 |
| Noninterest expense to average assets | 3.2117% | 1,522 |
| Loan and lease loss provision to assets | 0.4738% | 261 |
| Net operating income to assets | 1.0061% | 2,981 |
| Return on assets (ROA) | 0.9821% | 3,087 |
| Pretax return on assets | 1.1766% | 2,981 |
| Return on Equity (ROE) | 7.0159% | 3,814 |
| Retained earnings to average equity (ytd only) | 5.9618% | 2,214 |
| Net charge-offs to loans | 0.8294% | 181 |
| Credit loss provision to net charge-offs | 83.9329% | 2,805 |
| Earnings coverage of net charge-offs (x) | 2.9748% | 3,470 |
| Efficiency ratio | 65.6657% | 2,920 |
| Assets per employee ($millions) | 4.2092% | 3,602 |
| Cash dividends to net income (ytd only)* | 15.0241% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 1,731 |
| Loan loss allowance to noncurrent loans | 616.9343% | 914 |
| Noncurrent assets plus other real estate owned to assets | 1.0242% | 1,337 |
| Noncurrent loans to loans | 0.2230% | 3,781 |
| Net loans and leases to total assets | 67.2507% | 2,968 |
| Net loans and leases to deposits | 78.2906% | 3,135 |
| Net loans and leases to core deposits | 82.8957% | 3,191 |
| Total domestic deposits to total assets | 85.8989% | 2,287 |
| Equity capital to assets | 14.0694% | 946 |
| Core capital (leverage) ratio | 14.6096% | 772 |
| Tier 1 risk-based capital ratio | 20.6837% | 1,195 |
| Total risk-based capital ratio | 21.9346% | 1,172 |
| Memoranda: | ||
| Average total assets | $443,228,000 | 1,553 |
| Average earning assets | $420,725,000 | 1,525 |
| Average equity | $62,045,000 | 1,283 |
| Average total loans | $301,654,000 | 1,592 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 3,160 |
| Cost of funding earning assets | 0.5003% | 3,198 |
| Net interest margin | 3.7461% | 2,842 |
| Noninterest income to average assets | 1.2870% | 584 |
| Noninterest expense to average assets | 3.1635% | 1,615 |
| Loan and lease loss provision to assets | 0.1359% | 1,471 |
| Net operating income to assets | 1.2909% | 1,898 |
| Return on assets (ROA) | 1.2909% | 1,894 |
| Pretax return on assets | 1.5537% | 1,725 |
| Return on Equity (ROE) | 9.2336% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.1232% | 1,594 |
| Net charge-offs to loans | -0.0209% | 4,643 |
| Credit loss provision to net charge-offs | -957.4468% | 4,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1855% | 3,006 |
| Assets per employee ($millions) | 4.2263% | 3,536 |
| Cash dividends to net income (ytd only)* | 12.0263% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 994 |
| Loan loss allowance to noncurrent loans | 833.3333% | 697 |
| Noncurrent assets plus other real estate owned to assets | 1.0141% | 1,430 |
| Noncurrent loans to loans | 0.1965% | 4,006 |
| Net loans and leases to total assets | 68.7224% | 2,835 |
| Net loans and leases to deposits | 80.1761% | 3,024 |
| Net loans and leases to core deposits | 84.5773% | 3,111 |
| Total domestic deposits to total assets | 85.7142% | 2,318 |
| Equity capital to assets | 14.0503% | 944 |
| Core capital (leverage) ratio | 14.6797% | 783 |
| Tier 1 risk-based capital ratio | 20.5335% | 1,242 |
| Total risk-based capital ratio | 21.7880% | 1,215 |
| Memoranda: | ||
| Average total assets | $441,439,500 | 1,570 |
| Average earning assets | $420,236,000 | 1,534 |
| Average equity | $61,714,750 | 1,290 |
| Average total loans | $300,289,750 | 1,602 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 3,207 |
| Cost of funding earning assets | 0.4808% | 3,153 |
| Net interest margin | 3.6886% | 2,977 |
| Noninterest income to average assets | 1.2931% | 577 |
| Noninterest expense to average assets | 3.1899% | 1,554 |
| Loan and lease loss provision to assets | 0.1366% | 1,435 |
| Net operating income to assets | 1.2380% | 2,031 |
| Return on assets (ROA) | 1.2380% | 2,026 |
| Pretax return on assets | 1.4770% | 1,904 |
| Return on Equity (ROE) | 8.8704% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.1935% | 1,980 |
| Net charge-offs to loans | 0.0149% | 2,647 |
| Credit loss provision to net charge-offs | 1,363.6364% | 308 |
| Earnings coverage of net charge-offs (x) | 161.0909% | 488 |
| Efficiency ratio | 66.4076% | 2,906 |
| Assets per employee ($millions) | 4.2760% | 3,461 |
| Cash dividends to net income (ytd only)* | 18.9040% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 1,155 |
| Loan loss allowance to noncurrent loans | 381.7899% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 1.1611% | 1,245 |
| Noncurrent loans to loans | 0.4148% | 3,211 |
| Net loans and leases to total assets | 67.9029% | 2,888 |
| Net loans and leases to deposits | 79.1459% | 3,037 |
| Net loans and leases to core deposits | 83.0699% | 3,158 |
| Total domestic deposits to total assets | 85.7946% | 2,376 |
| Equity capital to assets | 13.7802% | 1,001 |
| Core capital (leverage) ratio | 14.5364% | 773 |
| Tier 1 risk-based capital ratio | 20.2085% | 1,290 |
| Total risk-based capital ratio | 21.4620% | 1,261 |
| Memoranda: | ||
| Average total assets | $439,255,670 | 1,587 |
| Average earning assets | $418,040,330 | 1,548 |
| Average equity | $61,305,000 | 1,298 |
| Average total loans | $296,054,670 | 1,629 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 3,254 |
| Cost of funding earning assets | 0.4725% | 3,019 |
| Net interest margin | 3.6223% | 3,100 |
| Noninterest income to average assets | 1.3030% | 547 |
| Noninterest expense to average assets | 3.2450% | 1,467 |
| Loan and lease loss provision to assets | 0.1381% | 1,368 |
| Net operating income to assets | 1.1713% | 2,127 |
| Return on assets (ROA) | 1.1713% | 2,140 |
| Pretax return on assets | 1.3647% | 2,127 |
| Return on Equity (ROE) | 8.3380% | 3,229 |
| Retained earnings to average equity (ytd only) | 4.9687% | 3,194 |
| Net charge-offs to loans | -0.0429% | 4,901 |
| Credit loss provision to net charge-offs | -483.8710% | 3,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3476% | 2,777 |
| Assets per employee ($millions) | 4.0513% | 3,890 |
| Cash dividends to net income (ytd only)* | 40.4088% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 967 |
| Loan loss allowance to noncurrent loans | 813.7056% | 708 |
| Noncurrent assets plus other real estate owned to assets | 1.0425% | 1,508 |
| Noncurrent loans to loans | 0.2076% | 4,040 |
| Net loans and leases to total assets | 64.5775% | 3,228 |
| Net loans and leases to deposits | 75.2391% | 3,296 |
| Net loans and leases to core deposits | 79.1581% | 3,390 |
| Total domestic deposits to total assets | 85.8297% | 2,620 |
| Equity capital to assets | 14.0151% | 889 |
| Core capital (leverage) ratio | 14.7119% | 709 |
| Tier 1 risk-based capital ratio | 21.2424% | 1,167 |
| Total risk-based capital ratio | 22.4969% | 1,137 |
| Memoranda: | ||
| Average total assets | $434,391,000 | 1,610 |
| Average earning assets | $413,106,000 | 1,574 |
| Average equity | $61,022,000 | 1,312 |
| Average total loans | $289,192,000 | 1,658 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1742% | 2,792 |
| Cost of funding earning assets | 0.4512% | 2,764 |
| Net interest margin | 3.7230% | 2,703 |
| Noninterest income to average assets | 1.2647% | 666 |
| Noninterest expense to average assets | 3.3790% | 1,237 |
| Loan and lease loss provision to assets | 0.1661% | 1,326 |
| Net operating income to assets | 0.8733% | 2,844 |
| Return on assets (ROA) | 0.8528% | 2,964 |
| Pretax return on assets | 1.2259% | 2,660 |
| Return on Equity (ROE) | 6.1890% | 3,681 |
| Retained earnings to average equity (ytd only) | 5.8708% | 1,613 |
| Net charge-offs to loans | 0.2393% | 1,086 |
| Credit loss provision to net charge-offs | 101.8388% | 2,516 |
| Earnings coverage of net charge-offs (x) | 8.7129% | 2,874 |
| Efficiency ratio | 70.3903% | 2,491 |
| Assets per employee ($millions) | 4.0681% | 3,858 |
| Cash dividends to net income (ytd only)* | 5.1407% | 4,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 1,197 |
| Loan loss allowance to noncurrent loans | 800.6920% | 766 |
| Noncurrent assets plus other real estate owned to assets | 1.0352% | 1,478 |
| Noncurrent loans to loans | 0.1968% | 4,128 |
| Net loans and leases to total assets | 66.3945% | 3,048 |
| Net loans and leases to deposits | 77.2969% | 3,193 |
| Net loans and leases to core deposits | 81.2680% | 3,314 |
| Total domestic deposits to total assets | 85.8954% | 2,488 |
| Equity capital to assets | 14.0802% | 884 |
| Core capital (leverage) ratio | 14.2975% | 772 |
| Tier 1 risk-based capital ratio | 20.4516% | 1,236 |
| Total risk-based capital ratio | 21.7050% | 1,208 |
| Memoranda: | ||
| Average total assets | $433,381,000 | 1,596 |
| Average earning assets | $411,575,400 | 1,560 |
| Average equity | $59,719,200 | 1,316 |
| Average total loans | $295,431,000 | 1,587 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 2,717 |
| Cost of funding earning assets | 0.4494% | 2,722 |
| Net interest margin | 3.7194% | 2,687 |
| Noninterest income to average assets | 1.2544% | 670 |
| Noninterest expense to average assets | 3.2404% | 1,477 |
| Loan and lease loss provision to assets | 0.1663% | 1,219 |
| Net operating income to assets | 1.0245% | 2,448 |
| Return on assets (ROA) | 1.0241% | 2,492 |
| Pretax return on assets | 1.3801% | 2,172 |
| Return on Equity (ROE) | 7.4726% | 3,404 |
| Retained earnings to average equity (ytd only) | 7.4726% | 1,443 |
| Net charge-offs to loans | 0.2672% | 809 |
| Credit loss provision to net charge-offs | 91.0624% | 2,447 |
| Earnings coverage of net charge-offs (x) | 8.4705% | 2,780 |
| Efficiency ratio | 67.6853% | 2,931 |
| Assets per employee ($millions) | 4.1280% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 1,323 |
| Loan loss allowance to noncurrent loans | 621.5259% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.9905% | 1,720 |
| Noncurrent loans to loans | 0.2514% | 4,056 |
| Net loans and leases to total assets | 65.6803% | 3,153 |
| Net loans and leases to deposits | 76.6115% | 3,314 |
| Net loans and leases to core deposits | 80.5368% | 3,408 |
| Total domestic deposits to total assets | 85.7317% | 2,417 |
| Equity capital to assets | 14.0345% | 987 |
| Core capital (leverage) ratio | 14.2461% | 824 |
| Tier 1 risk-based capital ratio | 21.1004% | 1,179 |
| Total risk-based capital ratio | 22.3542% | 1,156 |
| Memoranda: | ||
| Average total assets | $432,903,250 | 1,608 |
| Average earning assets | $411,207,750 | 1,573 |
| Average equity | $59,326,500 | 1,334 |
| Average total loans | $295,879,250 | 1,597 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1788% | 2,551 |
| Cost of funding earning assets | 0.4461% | 2,640 |
| Net interest margin | 3.7326% | 2,537 |
| Noninterest income to average assets | 1.2329% | 686 |
| Noninterest expense to average assets | 3.2327% | 1,509 |
| Loan and lease loss provision to assets | 0.1669% | 1,191 |
| Net operating income to assets | 1.0384% | 2,256 |
| Return on assets (ROA) | 1.0377% | 2,302 |
| Pretax return on assets | 1.3780% | 2,108 |
| Return on Equity (ROE) | 7.6341% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.6341% | 1,302 |
| Net charge-offs to loans | 0.3486% | 578 |
| Credit loss provision to net charge-offs | 69.4981% | 2,383 |
| Earnings coverage of net charge-offs (x) | 6.4363% | 2,712 |
| Efficiency ratio | 67.6499% | 3,070 |
| Assets per employee ($millions) | 4.0821% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,508 |
| Loan loss allowance to noncurrent loans | 330.6380% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 1.1435% | 1,506 |
| Noncurrent loans to loans | 0.4603% | 3,364 |
| Net loans and leases to total assets | 66.6429% | 3,013 |
| Net loans and leases to deposits | 77.5592% | 3,156 |
| Net loans and leases to core deposits | 81.5616% | 3,290 |
| Total domestic deposits to total assets | 85.9252% | 2,403 |
| Equity capital to assets | 13.9220% | 992 |
| Core capital (leverage) ratio | 14.0573% | 848 |
| Tier 1 risk-based capital ratio | 20.7281% | 1,239 |
| Total risk-based capital ratio | 21.9816% | 1,211 |
| Memoranda: | ||
| Average total assets | $431,347,330 | 1,615 |
| Average earning assets | $409,738,000 | 1,583 |
| Average equity | $58,631,670 | 1,344 |
| Average total loans | $297,185,670 | 1,589 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1347% | 2,534 |
| Cost of funding earning assets | 0.4446% | 2,573 |
| Net interest margin | 3.6900% | 2,519 |
| Noninterest income to average assets | 1.2418% | 661 |
| Noninterest expense to average assets | 3.2052% | 1,594 |
| Loan and lease loss provision to assets | 0.1672% | 1,070 |
| Net operating income to assets | 1.0049% | 2,283 |
| Return on assets (ROA) | 1.0049% | 2,333 |
| Pretax return on assets | 1.3765% | 1,962 |
| Return on Equity (ROE) | 7.4844% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.4844% | 1,661 |
| Net charge-offs to loans | 0.7175% | 244 |
| Credit loss provision to net charge-offs | 33.5196% | 2,096 |
| Earnings coverage of net charge-offs (x) | 3.0950% | 2,512 |
| Efficiency ratio | 67.4946% | 3,276 |
| Assets per employee ($millions) | 4.1085% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 1,879 |
| Loan loss allowance to noncurrent loans | 587.3103% | 936 |
| Noncurrent assets plus other real estate owned to assets | 1.0026% | 1,813 |
| Noncurrent loans to loans | 0.2461% | 4,224 |
| Net loans and leases to total assets | 67.2939% | 2,773 |
| Net loans and leases to deposits | 78.0459% | 2,958 |
| Net loans and leases to core deposits | 82.1222% | 3,082 |
| Total domestic deposits to total assets | 86.2235% | 2,568 |
| Equity capital to assets | 13.5607% | 1,051 |
| Core capital (leverage) ratio | 14.0299% | 834 |
| Tier 1 risk-based capital ratio | 20.1713% | 1,358 |
| Total risk-based capital ratio | 21.4237% | 1,328 |
| Memoranda: | ||
| Average total assets | $430,669,500 | 1,633 |
| Average earning assets | $409,320,500 | 1,595 |
| Average equity | $57,827,000 | 1,358 |
| Average total loans | $299,367,000 | 1,582 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 2,866 |
| Cost of funding earning assets | 0.4716% | 2,338 |
| Net interest margin | 3.6243% | 2,985 |
| Noninterest income to average assets | 1.2469% | 734 |
| Noninterest expense to average assets | 3.3074% | 1,557 |
| Loan and lease loss provision to assets | 0.2566% | 812 |
| Net operating income to assets | 0.8610% | 3,019 |
| Return on assets (ROA) | 0.8663% | 3,108 |
| Pretax return on assets | 1.1274% | 2,983 |
| Return on Equity (ROE) | 6.4284% | 3,775 |
| Retained earnings to average equity (ytd only) | 5.8767% | 1,779 |
| Net charge-offs to loans | 0.3277% | 841 |
| Credit loss provision to net charge-offs | 113.3263% | 2,323 |
| Earnings coverage of net charge-offs (x) | 6.0829% | 3,235 |
| Efficiency ratio | 70.6034% | 2,812 |
| Assets per employee ($millions) | 4.0182% | 3,932 |
| Cash dividends to net income (ytd only)* | 8.5824% | 4,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 1,609 |
| Loan loss allowance to noncurrent loans | 732.5397% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.9838% | 1,928 |
| Noncurrent loans to loans | 0.2071% | 4,414 |
| Net loans and leases to total assets | 69.6739% | 2,534 |
| Net loans and leases to deposits | 80.3974% | 2,846 |
| Net loans and leases to core deposits | 84.5770% | 2,971 |
| Total domestic deposits to total assets | 86.6618% | 2,305 |
| Equity capital to assets | 13.2933% | 1,137 |
| Core capital (leverage) ratio | 13.7349% | 888 |
| Tier 1 risk-based capital ratio | 19.2587% | 1,532 |
| Total risk-based capital ratio | 20.5121% | 1,494 |
| Memoranda: | ||
| Average total assets | $420,967,800 | 1,613 |
| Average earning assets | $399,280,400 | 1,570 |
| Average equity | $56,732,400 | 1,359 |
| Average total loans | $290,817,400 | 1,561 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1168% | 2,812 |
| Cost of funding earning assets | 0.4771% | 2,298 |
| Net interest margin | 3.6397% | 2,927 |
| Noninterest income to average assets | 1.2708% | 719 |
| Noninterest expense to average assets | 3.2899% | 1,589 |
| Loan and lease loss provision to assets | 0.2579% | 716 |
| Net operating income to assets | 0.9487% | 2,660 |
| Return on assets (ROA) | 0.9575% | 2,761 |
| Pretax return on assets | 1.1858% | 2,889 |
| Return on Equity (ROE) | 7.0801% | 3,521 |
| Retained earnings to average equity (ytd only) | 6.6374% | 1,828 |
| Net charge-offs to loans | 0.1976% | 1,185 |
| Credit loss provision to net charge-offs | 190.1408% | 1,487 |
| Earnings coverage of net charge-offs (x) | 10.5633% | 2,557 |
| Efficiency ratio | 69.6602% | 2,942 |
| Assets per employee ($millions) | 4.0480% | 3,880 |
| Cash dividends to net income (ytd only)* | 6.2521% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 1,287 |
| Loan loss allowance to noncurrent loans | 299.2629% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 1.2300% | 1,608 |
| Noncurrent loans to loans | 0.5581% | 3,322 |
| Net loans and leases to total assets | 67.4874% | 2,877 |
| Net loans and leases to deposits | 78.4321% | 3,141 |
| Net loans and leases to core deposits | 83.4505% | 3,179 |
| Total domestic deposits to total assets | 86.0457% | 2,328 |
| Equity capital to assets | 13.7178% | 1,155 |
| Core capital (leverage) ratio | 13.9137% | 875 |
| Tier 1 risk-based capital ratio | 19.8694% | 1,467 |
| Total risk-based capital ratio | 21.1246% | 1,434 |
| Memoranda: | ||
| Average total assets | $418,723,250 | 1,622 |
| Average earning assets | $397,129,500 | 1,581 |
| Average equity | $56,627,000 | 1,367 |
| Average total loans | $287,478,000 | 1,580 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1479% | 2,684 |
| Cost of funding earning assets | 0.4803% | 2,269 |
| Net interest margin | 3.6676% | 2,832 |
| Noninterest income to average assets | 1.2414% | 736 |
| Noninterest expense to average assets | 3.2913% | 1,608 |
| Loan and lease loss provision to assets | 0.2592% | 733 |
| Net operating income to assets | 0.9235% | 2,752 |
| Return on assets (ROA) | 0.9337% | 2,842 |
| Pretax return on assets | 1.1862% | 2,839 |
| Return on Equity (ROE) | 6.9381% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.2675% | 1,976 |
| Net charge-offs to loans | 0.2901% | 822 |
| Credit loss provision to net charge-offs | 130.1205% | 1,769 |
| Earnings coverage of net charge-offs (x) | 7.1904% | 2,652 |
| Efficiency ratio | 69.6748% | 3,033 |
| Assets per employee ($millions) | 4.0136% | 3,874 |
| Cash dividends to net income (ytd only)* | 9.6658% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 1,526 |
| Loan loss allowance to noncurrent loans | 703.2012% | 799 |
| Noncurrent assets plus other real estate owned to assets | 1.0196% | 2,101 |
| Noncurrent loans to loans | 0.2277% | 4,523 |
| Net loans and leases to total assets | 67.9226% | 2,784 |
| Net loans and leases to deposits | 78.9098% | 3,067 |
| Net loans and leases to core deposits | 84.0069% | 3,081 |
| Total domestic deposits to total assets | 86.0762% | 2,385 |
| Equity capital to assets | 13.7290% | 1,130 |
| Core capital (leverage) ratio | 13.7369% | 889 |
| Tier 1 risk-based capital ratio | 19.7244% | 1,516 |
| Total risk-based capital ratio | 20.9789% | 1,476 |
| Memoranda: | ||
| Average total assets | $416,616,000 | 1,627 |
| Average earning assets | $395,573,000 | 1,591 |
| Average equity | $56,067,000 | 1,377 |
| Average total loans | $286,062,670 | 1,588 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 2,502 |
| Cost of funding earning assets | 0.4819% | 2,256 |
| Net interest margin | 3.7106% | 2,622 |
| Noninterest income to average assets | 1.2013% | 755 |
| Noninterest expense to average assets | 3.3483% | 1,487 |
| Loan and lease loss provision to assets | 0.2595% | 665 |
| Net operating income to assets | 0.8409% | 3,027 |
| Return on assets (ROA) | 0.8524% | 3,108 |
| Pretax return on assets | 1.1388% | 2,938 |
| Return on Equity (ROE) | 6.3989% | 3,779 |
| Retained earnings to average equity (ytd only) | 5.0427% | 2,913 |
| Net charge-offs to loans | 0.5459% | 399 |
| Credit loss provision to net charge-offs | 69.4087% | 1,909 |
| Earnings coverage of net charge-offs (x) | 3.6992% | 2,509 |
| Efficiency ratio | 70.7699% | 2,991 |
| Assets per employee ($millions) | 4.0862% | 3,798 |
| Cash dividends to net income (ytd only)* | 21.1950% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 1,809 |
| Loan loss allowance to noncurrent loans | 588.8140% | 888 |
| Noncurrent assets plus other real estate owned to assets | 1.0521% | 2,104 |
| Noncurrent loans to loans | 0.2622% | 4,497 |
| Net loans and leases to total assets | 67.5005% | 2,728 |
| Net loans and leases to deposits | 78.1903% | 2,989 |
| Net loans and leases to core deposits | 82.6692% | 3,069 |
| Total domestic deposits to total assets | 86.3284% | 2,527 |
| Equity capital to assets | 13.5584% | 1,157 |
| Core capital (leverage) ratio | 13.6082% | 947 |
| Tier 1 risk-based capital ratio | 19.7026% | 1,568 |
| Total risk-based capital ratio | 20.9562% | 1,534 |
| Memoranda: | ||
| Average total assets | $416,216,500 | 1,628 |
| Average earning assets | $395,945,500 | 1,585 |
| Average equity | $55,447,000 | 1,390 |
| Average total loans | $285,028,000 | 1,589 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 2,790 |
| Cost of funding earning assets | 0.5054% | 2,115 |
| Net interest margin | 3.6300% | 3,015 |
| Noninterest income to average assets | 1.2545% | 761 |
| Noninterest expense to average assets | 3.3439% | 1,621 |
| Loan and lease loss provision to assets | 0.3450% | 435 |
| Net operating income to assets | 0.7119% | 3,757 |
| Return on assets (ROA) | 0.7287% | 3,775 |
| Pretax return on assets | 1.0426% | 3,296 |
| Return on Equity (ROE) | 5.5143% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.3279% | 2,187 |
| Net charge-offs to loans | 1.0850% | 178 |
| Credit loss provision to net charge-offs | 47.5382% | 3,442 |
| Earnings coverage of net charge-offs (x) | 1.8791% | 4,018 |
| Efficiency ratio | 71.0322% | 3,065 |
| Assets per employee ($millions) | 4.0358% | 3,868 |
| Cash dividends to net income (ytd only)* | 3.3818% | 4,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 1,742 |
| Loan loss allowance to noncurrent loans | 712.3810% | 804 |
| Noncurrent assets plus other real estate owned to assets | 1.0078% | 2,179 |
| Noncurrent loans to loans | 0.2194% | 4,637 |
| Net loans and leases to total assets | 67.3343% | 2,813 |
| Net loans and leases to deposits | 77.5098% | 3,101 |
| Net loans and leases to core deposits | 82.2558% | 3,117 |
| Total domestic deposits to total assets | 86.8720% | 2,206 |
| Equity capital to assets | 13.0889% | 1,308 |
| Core capital (leverage) ratio | 13.4560% | 988 |
| Tier 1 risk-based capital ratio | 19.1041% | 1,684 |
| Total risk-based capital ratio | 20.3579% | 1,633 |
| Memoranda: | ||
| Average total assets | $405,814,400 | 1,626 |
| Average earning assets | $386,028,400 | 1,587 |
| Average equity | $53,623,800 | 1,394 |
| Average total loans | $271,432,600 | 1,607 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 2,776 |
| Cost of funding earning assets | 0.5117% | 2,106 |
| Net interest margin | 3.6285% | 3,038 |
| Noninterest income to average assets | 1.1947% | 848 |
| Noninterest expense to average assets | 3.1919% | 1,989 |
| Loan and lease loss provision to assets | 0.3645% | 359 |
| Net operating income to assets | 0.7317% | 3,758 |
| Return on assets (ROA) | 0.7519% | 3,768 |
| Pretax return on assets | 1.1224% | 3,127 |
| Return on Equity (ROE) | 5.6764% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.6764% | 2,468 |
| Net charge-offs to loans | 1.4533% | 103 |
| Credit loss provision to net charge-offs | 37.7229% | 3,190 |
| Earnings coverage of net charge-offs (x) | 1.5075% | 3,820 |
| Efficiency ratio | 68.6627% | 3,423 |
| Assets per employee ($millions) | 3.9014% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 1,814 |
| Loan loss allowance to noncurrent loans | 818.8350% | 689 |
| Noncurrent assets plus other real estate owned to assets | 1.0240% | 2,309 |
| Noncurrent loans to loans | 0.1945% | 4,869 |
| Net loans and leases to total assets | 64.8502% | 3,181 |
| Net loans and leases to deposits | 75.2564% | 3,395 |
| Net loans and leases to core deposits | 80.3047% | 3,405 |
| Total domestic deposits to total assets | 86.1724% | 2,455 |
| Equity capital to assets | 13.5670% | 1,200 |
| Core capital (leverage) ratio | 13.4230% | 1,046 |
| Tier 1 risk-based capital ratio | 20.2920% | 1,480 |
| Total risk-based capital ratio | 21.5462% | 1,447 |
| Memoranda: | ||
| Average total assets | $402,337,500 | 1,654 |
| Average earning assets | $382,994,250 | 1,608 |
| Average equity | $53,295,500 | 1,410 |
| Average total loans | $267,514,500 | 1,642 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 2,824 |
| Cost of funding earning assets | 0.5140% | 2,123 |
| Net interest margin | 3.6071% | 3,060 |
| Noninterest income to average assets | 1.1945% | 850 |
| Noninterest expense to average assets | 3.1597% | 2,098 |
| Loan and lease loss provision to assets | 0.3975% | 300 |
| Net operating income to assets | 0.6736% | 4,012 |
| Return on assets (ROA) | 0.6981% | 4,019 |
| Pretax return on assets | 1.1106% | 3,126 |
| Return on Equity (ROE) | 5.3131% | 4,474 |
| Retained earnings to average equity (ytd only) | 5.3131% | 2,661 |
| Net charge-offs to loans | 2.2816% | 56 |
| Credit loss provision to net charge-offs | 26.1267% | 2,961 |
| Earnings coverage of net charge-offs (x) | 0.9660% | 3,595 |
| Efficiency ratio | 68.2516% | 3,641 |
| Assets per employee ($millions) | 3.8984% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 2,674 |
| Loan loss allowance to noncurrent loans | 704.8598% | 759 |
| Noncurrent assets plus other real estate owned to assets | 1.2614% | 1,988 |
| Noncurrent loans to loans | 0.2011% | 4,965 |
| Net loans and leases to total assets | 65.3181% | 3,077 |
| Net loans and leases to deposits | 75.4453% | 3,325 |
| Net loans and leases to core deposits | 80.5397% | 3,328 |
| Total domestic deposits to total assets | 86.5768% | 2,387 |
| Equity capital to assets | 13.2579% | 1,272 |
| Core capital (leverage) ratio | 13.3442% | 1,032 |
| Tier 1 risk-based capital ratio | 19.8321% | 1,589 |
| Total risk-based capital ratio | 21.0839% | 1,547 |
| Memoranda: | ||
| Average total assets | $402,500,330 | 1,661 |
| Average earning assets | $383,298,330 | 1,612 |
| Average equity | $52,887,670 | 1,430 |
| Average total loans | $268,413,670 | 1,638 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1377% | 2,682 |
| Cost of funding earning assets | 0.5124% | 2,179 |
| Net interest margin | 3.6253% | 2,906 |
| Noninterest income to average assets | 1.1117% | 918 |
| Noninterest expense to average assets | 3.1247% | 2,195 |
| Loan and lease loss provision to assets | 0.4963% | 211 |
| Net operating income to assets | 0.7152% | 3,728 |
| Return on assets (ROA) | 0.7514% | 3,669 |
| Pretax return on assets | 0.9936% | 3,535 |
| Return on Equity (ROE) | 5.7442% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.7442% | 2,635 |
| Net charge-offs to loans | 4.4496% | 20 |
| Credit loss provision to net charge-offs | 16.6722% | 2,387 |
| Earnings coverage of net charge-offs (x) | 0.4845% | 3,046 |
| Efficiency ratio | 68.4199% | 3,754 |
| Assets per employee ($millions) | 4.0552% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 3,132 |
| Loan loss allowance to noncurrent loans | 808.6957% | 651 |
| Noncurrent assets plus other real estate owned to assets | 1.2174% | 2,196 |
| Noncurrent loans to loans | 0.1673% | 5,171 |
| Net loans and leases to total assets | 63.5310% | 3,153 |
| Net loans and leases to deposits | 73.2592% | 3,395 |
| Net loans and leases to core deposits | 78.4982% | 3,327 |
| Total domestic deposits to total assets | 86.7208% | 2,543 |
| Equity capital to assets | 13.1154% | 1,340 |
| Core capital (leverage) ratio | 13.3451% | 1,034 |
| Tier 1 risk-based capital ratio | 19.7366% | 1,683 |
| Total risk-based capital ratio | 20.9871% | 1,643 |
| Memoranda: | ||
| Average total assets | $402,983,000 | 1,661 |
| Average earning assets | $384,077,500 | 1,616 |
| Average equity | $52,714,000 | 1,439 |
| Average total loans | $269,597,500 | 1,629 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 2,250 |
| Cost of funding earning assets | 0.5654% | 2,090 |
| Net interest margin | 3.8257% | 2,525 |
| Noninterest income to average assets | 1.0828% | 1,041 |
| Noninterest expense to average assets | 3.1451% | 2,378 |
| Loan and lease loss provision to assets | 0.4778% | 332 |
| Net operating income to assets | 0.8434% | 3,154 |
| Return on assets (ROA) | 0.8404% | 3,264 |
| Pretax return on assets | 1.1296% | 2,968 |
| Return on Equity (ROE) | 6.7238% | 3,779 |
| Retained earnings to average equity (ytd only) | 5.7601% | 2,091 |
| Net charge-offs to loans | 0.0830% | 3,313 |
| Credit loss provision to net charge-offs | 833.3333% | 327 |
| Earnings coverage of net charge-offs (x) | 28.1053% | 1,407 |
| Efficiency ratio | 66.1221% | 4,224 |
| Assets per employee ($millions) | 3.8878% | 4,195 |
| Cash dividends to net income (ytd only)* | 14.3327% | 3,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1699% | 860 |
| Loan loss allowance to noncurrent loans | 1,067.7876% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 4,604 |
| Noncurrent loans to loans | 0.2032% | 5,089 |
| Net loans and leases to total assets | 67.9236% | 2,566 |
| Net loans and leases to deposits | 78.2052% | 2,952 |
| Net loans and leases to core deposits | 84.1751% | 2,884 |
| Total domestic deposits to total assets | 86.8531% | 2,353 |
| Equity capital to assets | 13.0460% | 1,353 |
| Core capital (leverage) ratio | 13.1890% | 1,065 |
| Tier 1 risk-based capital ratio | 19.5485% | 1,708 |
| Total risk-based capital ratio | 20.8111% | 1,666 |
| Memoranda: | ||
| Average total assets | $397,669,600 | 1,654 |
| Average earning assets | $381,863,800 | 1,590 |
| Average equity | $49,704,400 | 1,451 |
| Average total loans | $274,807,000 | 1,548 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4010% | 2,215 |
| Cost of funding earning assets | 0.5757% | 2,059 |
| Net interest margin | 3.8253% | 2,524 |
| Noninterest income to average assets | 1.0734% | 1,058 |
| Noninterest expense to average assets | 3.1373% | 2,358 |
| Loan and lease loss provision to assets | 0.4534% | 343 |
| Net operating income to assets | 0.8598% | 3,125 |
| Return on assets (ROA) | 0.8558% | 3,242 |
| Pretax return on assets | 1.1550% | 2,968 |
| Return on Equity (ROE) | 6.9233% | 3,742 |
| Retained earnings to average equity (ytd only) | 5.8935% | 2,469 |
| Net charge-offs to loans | 0.2375% | 1,620 |
| Credit loss provision to net charge-offs | 276.6393% | 967 |
| Earnings coverage of net charge-offs (x) | 9.8463% | 2,620 |
| Efficiency ratio | 66.0328% | 4,211 |
| Assets per employee ($millions) | 3.7663% | 4,357 |
| Cash dividends to net income (ytd only)* | 14.8744% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8839% | 1,487 |
| Loan loss allowance to noncurrent loans | 188.7604% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.7133% | 3,679 |
| Noncurrent loans to loans | 0.9980% | 3,075 |
| Net loans and leases to total assets | 70.1233% | 2,175 |
| Net loans and leases to deposits | 80.9080% | 2,564 |
| Net loans and leases to core deposits | 87.0147% | 2,544 |
| Total domestic deposits to total assets | 86.6705% | 2,491 |
| Equity capital to assets | 13.1081% | 1,374 |
| Core capital (leverage) ratio | 12.9728% | 1,189 |
| Tier 1 risk-based capital ratio | 19.3891% | 1,801 |
| Total risk-based capital ratio | 20.6481% | 1,773 |
| Memoranda: | ||
| Average total assets | $396,976,000 | 1,670 |
| Average earning assets | $381,658,250 | 1,606 |
| Average equity | $49,070,000 | 1,468 |
| Average total loans | $274,001,500 | 1,559 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3747% | 2,276 |
| Cost of funding earning assets | 0.5783% | 2,087 |
| Net interest margin | 3.7964% | 2,586 |
| Noninterest income to average assets | 1.0415% | 1,093 |
| Noninterest expense to average assets | 3.0941% | 2,525 |
| Loan and lease loss provision to assets | 0.4500% | 358 |
| Net operating income to assets | 0.8565% | 3,036 |
| Return on assets (ROA) | 0.8565% | 3,137 |
| Pretax return on assets | 1.1440% | 2,909 |
| Return on Equity (ROE) | 7.0673% | 3,594 |
| Retained earnings to average equity (ytd only) | 5.5037% | 2,630 |
| Net charge-offs to loans | 0.3701% | 1,101 |
| Credit loss provision to net charge-offs | 178.2178% | 1,282 |
| Earnings coverage of net charge-offs (x) | 6.3129% | 2,789 |
| Efficiency ratio | 65.9983% | 4,368 |
| Assets per employee ($millions) | 3.9426% | 3,966 |
| Cash dividends to net income (ytd only)* | 22.1249% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7186% | 2,077 |
| Loan loss allowance to noncurrent loans | 177.6616% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.6657% | 3,994 |
| Noncurrent loans to loans | 0.9674% | 3,306 |
| Net loans and leases to total assets | 67.6318% | 2,477 |
| Net loans and leases to deposits | 78.5062% | 2,733 |
| Net loans and leases to core deposits | 85.0701% | 2,605 |
| Total domestic deposits to total assets | 86.1484% | 2,971 |
| Equity capital to assets | 12.4302% | 1,692 |
| Core capital (leverage) ratio | 12.6249% | 1,328 |
| Tier 1 risk-based capital ratio | 19.0332% | 1,916 |
| Total risk-based capital ratio | 20.2899% | 1,877 |
| Memoranda: | ||
| Average total assets | $399,992,000 | 1,657 |
| Average earning assets | $384,210,330 | 1,600 |
| Average equity | $48,476,670 | 1,475 |
| Average total loans | $272,918,330 | 1,566 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3465% | 2,347 |
| Cost of funding earning assets | 0.5909% | 2,056 |
| Net interest margin | 3.7555% | 2,656 |
| Noninterest income to average assets | 1.0258% | 1,071 |
| Noninterest expense to average assets | 3.1054% | 2,514 |
| Loan and lease loss provision to assets | 0.4512% | 352 |
| Net operating income to assets | 0.8172% | 3,063 |
| Return on assets (ROA) | 0.8172% | 3,136 |
| Pretax return on assets | 1.0759% | 3,013 |
| Return on Equity (ROE) | 6.8313% | 3,571 |
| Retained earnings to average equity (ytd only) | 3.6545% | 3,942 |
| Net charge-offs to loans | 0.7985% | 434 |
| Credit loss provision to net charge-offs | 83.1793% | 1,868 |
| Earnings coverage of net charge-offs (x) | 2.8152% | 2,792 |
| Efficiency ratio | 67.0346% | 4,357 |
| Assets per employee ($millions) | 3.9856% | 3,974 |
| Cash dividends to net income (ytd only)* | 46.5031% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5835% | 2,776 |
| Loan loss allowance to noncurrent loans | 300.7042% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 5,095 |
| Noncurrent loans to loans | 0.5266% | 4,595 |
| Net loans and leases to total assets | 66.5871% | 2,468 |
| Net loans and leases to deposits | 76.9978% | 2,680 |
| Net loans and leases to core deposits | 82.6633% | 2,673 |
| Total domestic deposits to total assets | 86.4793% | 3,123 |
| Equity capital to assets | 12.0941% | 1,813 |
| Core capital (leverage) ratio | 12.6367% | 1,325 |
| Tier 1 risk-based capital ratio | 19.0773% | 1,941 |
| Total risk-based capital ratio | 20.3319% | 1,904 |
| Memoranda: | ||
| Average total assets | $398,917,000 | 1,670 |
| Average earning assets | $383,117,000 | 1,605 |
| Average equity | $47,721,500 | 1,494 |
| Average total loans | $271,011,500 | 1,575 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4886% | 2,254 |
| Cost of funding earning assets | 0.6801% | 1,957 |
| Net interest margin | 3.8085% | 2,626 |
| Noninterest income to average assets | 1.0547% | 1,265 |
| Noninterest expense to average assets | 2.9245% | 3,297 |
| Loan and lease loss provision to assets | 0.5222% | 531 |
| Net operating income to assets | 0.9439% | 2,593 |
| Return on assets (ROA) | 0.9438% | 2,666 |
| Pretax return on assets | 1.2688% | 2,275 |
| Return on Equity (ROE) | 8.0593% | 3,010 |
| Retained earnings to average equity (ytd only) | 6.9486% | 1,454 |
| Net charge-offs to loans | 0.7672% | 820 |
| Credit loss provision to net charge-offs | 100.2865% | 2,412 |
| Earnings coverage of net charge-offs (x) | 3.4398% | 3,853 |
| Efficiency ratio | 62.0155% | 5,215 |
| Assets per employee ($millions) | 3.9532% | 3,961 |
| Cash dividends to net income (ytd only)* | 13.7813% | 3,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 2,756 |
| Loan loss allowance to noncurrent loans | 224.4467% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 4,776 |
| Noncurrent loans to loans | 0.7134% | 4,178 |
| Net loans and leases to total assets | 67.1224% | 2,497 |
| Net loans and leases to deposits | 76.1918% | 2,944 |
| Net loans and leases to core deposits | 82.3712% | 2,853 |
| Total domestic deposits to total assets | 88.0967% | 2,121 |
| Equity capital to assets | 11.8317% | 1,919 |
| Core capital (leverage) ratio | 12.5111% | 1,353 |
| Tier 1 risk-based capital ratio | 18.8469% | 1,967 |
| Total risk-based capital ratio | 20.1020% | 1,927 |
| Memoranda: | ||
| Average total assets | $402,119,200 | 1,636 |
| Average earning assets | $386,553,600 | 1,561 |
| Average equity | $47,088,400 | 1,490 |
| Average total loans | $272,946,600 | 1,546 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 2,188 |
| Cost of funding earning assets | 0.6964% | 1,980 |
| Net interest margin | 3.8140% | 2,593 |
| Noninterest income to average assets | 1.0578% | 1,305 |
| Noninterest expense to average assets | 2.9093% | 3,274 |
| Loan and lease loss provision to assets | 0.4965% | 553 |
| Net operating income to assets | 1.0246% | 2,280 |
| Return on assets (ROA) | 1.0231% | 2,368 |
| Pretax return on assets | 1.3170% | 2,272 |
| Return on Equity (ROE) | 8.7592% | 2,759 |
| Retained earnings to average equity (ytd only) | 7.5605% | 1,615 |
| Net charge-offs to loans | 1.0170% | 559 |
| Credit loss provision to net charge-offs | 72.0115% | 3,028 |
| Earnings coverage of net charge-offs (x) | 2.6332% | 3,957 |
| Efficiency ratio | 61.5762% | 5,196 |
| Assets per employee ($millions) | 3.9294% | 3,983 |
| Cash dividends to net income (ytd only)* | 13.6850% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 3,862 |
| Loan loss allowance to noncurrent loans | 189.7384% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 4,740 |
| Noncurrent loans to loans | 0.7417% | 4,367 |
| Net loans and leases to total assets | 66.5819% | 2,546 |
| Net loans and leases to deposits | 75.6895% | 3,001 |
| Net loans and leases to core deposits | 82.1180% | 2,860 |
| Total domestic deposits to total assets | 87.9672% | 2,152 |
| Equity capital to assets | 11.8068% | 2,041 |
| Core capital (leverage) ratio | 12.2488% | 1,547 |
| Tier 1 risk-based capital ratio | 18.6965% | 2,080 |
| Total risk-based capital ratio | 19.9490% | 2,048 |
| Memoranda: | ||
| Average total assets | $402,830,250 | 1,647 |
| Average earning assets | $387,304,500 | 1,570 |
| Average equity | $47,050,250 | 1,501 |
| Average total loans | $273,092,250 | 1,547 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5163% | 2,134 |
| Cost of funding earning assets | 0.7110% | 1,992 |
| Net interest margin | 3.8053% | 2,538 |
| Noninterest income to average assets | 1.0464% | 1,393 |
| Noninterest expense to average assets | 2.8433% | 3,541 |
| Loan and lease loss provision to assets | 0.4446% | 657 |
| Net operating income to assets | 1.0813% | 1,988 |
| Return on assets (ROA) | 1.0790% | 2,114 |
| Pretax return on assets | 1.4125% | 1,885 |
| Return on Equity (ROE) | 9.2711% | 2,509 |
| Retained earnings to average equity (ytd only) | 7.4754% | 1,679 |
| Net charge-offs to loans | 0.9571% | 644 |
| Credit loss provision to net charge-offs | 68.4411% | 2,854 |
| Earnings coverage of net charge-offs (x) | 2.8631% | 3,563 |
| Efficiency ratio | 60.4517% | 5,408 |
| Assets per employee ($millions) | 3.9050% | 4,007 |
| Cash dividends to net income (ytd only)* | 19.3681% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 3,876 |
| Loan loss allowance to noncurrent loans | 148.0090% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 4,371 |
| Noncurrent loans to loans | 0.9687% | 4,003 |
| Net loans and leases to total assets | 68.0042% | 2,227 |
| Net loans and leases to deposits | 77.2672% | 2,683 |
| Net loans and leases to core deposits | 83.8562% | 2,581 |
| Total domestic deposits to total assets | 88.0117% | 2,238 |
| Equity capital to assets | 11.8053% | 2,044 |
| Core capital (leverage) ratio | 11.8775% | 1,684 |
| Tier 1 risk-based capital ratio | 17.8720% | 2,368 |
| Total risk-based capital ratio | 19.1248% | 2,329 |
| Memoranda: | ||
| Average total assets | $404,816,330 | 1,639 |
| Average earning assets | $389,036,670 | 1,559 |
| Average equity | $47,114,330 | 1,506 |
| Average total loans | $274,784,000 | 1,536 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4774% | 2,244 |
| Cost of funding earning assets | 0.7241% | 2,033 |
| Net interest margin | 3.7533% | 2,647 |
| Noninterest income to average assets | 1.0469% | 1,350 |
| Noninterest expense to average assets | 2.7848% | 3,749 |
| Loan and lease loss provision to assets | 0.4411% | 652 |
| Net operating income to assets | 1.0808% | 1,933 |
| Return on assets (ROA) | 1.0763% | 2,053 |
| Pretax return on assets | 1.4174% | 1,806 |
| Return on Equity (ROE) | 9.3128% | 2,346 |
| Retained earnings to average equity (ytd only) | 5.7251% | 2,827 |
| Net charge-offs to loans | 0.5692% | 1,070 |
| Credit loss provision to net charge-offs | 115.0895% | 1,643 |
| Earnings coverage of net charge-offs (x) | 4.8645% | 2,465 |
| Efficiency ratio | 59.8988% | 5,599 |
| Assets per employee ($millions) | 3.9588% | 4,043 |
| Cash dividends to net income (ytd only)* | 38.5246% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 3,344 |
| Loan loss allowance to noncurrent loans | 452.2541% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 5,354 |
| Noncurrent loans to loans | 0.3566% | 5,504 |
| Net loans and leases to total assets | 66.0454% | 2,360 |
| Net loans and leases to deposits | 74.8968% | 2,787 |
| Net loans and leases to core deposits | 81.3051% | 2,655 |
| Total domestic deposits to total assets | 88.1818% | 2,206 |
| Equity capital to assets | 11.6208% | 2,315 |
| Core capital (leverage) ratio | 11.5860% | 1,823 |
| Tier 1 risk-based capital ratio | 17.3424% | 2,630 |
| Total risk-based capital ratio | 18.5971% | 2,591 |
| Memoranda: | ||
| Average total assets | $408,072,000 | 1,646 |
| Average earning assets | $391,658,000 | 1,563 |
| Average equity | $47,161,000 | 1,528 |
| Average total loans | $274,774,000 | 1,547 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8923% | 1,864 |
| Cost of funding earning assets | 0.8683% | 2,153 |
| Net interest margin | 4.0240% | 2,298 |
| Noninterest income to average assets | 0.9521% | 1,695 |
| Noninterest expense to average assets | 3.0070% | 3,244 |
| Loan and lease loss provision to assets | 0.5541% | 1,030 |
| Net operating income to assets | 0.8812% | 2,910 |
| Return on assets (ROA) | 0.8836% | 3,140 |
| Pretax return on assets | 1.2553% | 2,588 |
| Return on Equity (ROE) | 7.7710% | 3,194 |
| Retained earnings to average equity (ytd only) | 5.2197% | 2,557 |
| Net charge-offs to loans | 0.8747% | 1,309 |
| Credit loss provision to net charge-offs | 90.2165% | 3,471 |
| Earnings coverage of net charge-offs (x) | 2.9403% | 3,957 |
| Efficiency ratio | 62.4776% | 5,170 |
| Assets per employee ($millions) | 3.9268% | 4,083 |
| Cash dividends to net income (ytd only)* | 32.8317% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 3,406 |
| Loan loss allowance to noncurrent loans | 229.0900% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 4,722 |
| Noncurrent loans to loans | 0.6892% | 4,818 |
| Net loans and leases to total assets | 66.4748% | 2,460 |
| Net loans and leases to deposits | 75.1439% | 2,931 |
| Net loans and leases to core deposits | 81.5325% | 2,817 |
| Total domestic deposits to total assets | 88.4633% | 1,917 |
| Equity capital to assets | 11.4934% | 2,453 |
| Core capital (leverage) ratio | 11.3748% | 1,956 |
| Tier 1 risk-based capital ratio | 16.9077% | 2,698 |
| Total risk-based capital ratio | 18.1622% | 2,657 |
| Memoranda: | ||
| Average total assets | $406,049,000 | 1,613 |
| Average earning assets | $389,591,600 | 1,545 |
| Average equity | $46,171,400 | 1,509 |
| Average total loans | $285,139,200 | 1,466 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9668% | 1,783 |
| Cost of funding earning assets | 0.8977% | 2,187 |
| Net interest margin | 4.0691% | 2,209 |
| Noninterest income to average assets | 0.9674% | 1,604 |
| Noninterest expense to average assets | 2.9980% | 3,242 |
| Loan and lease loss provision to assets | 0.5426% | 1,086 |
| Net operating income to assets | 0.9693% | 2,662 |
| Return on assets (ROA) | 0.9727% | 2,869 |
| Pretax return on assets | 1.3397% | 2,452 |
| Return on Equity (ROE) | 8.5775% | 3,003 |
| Retained earnings to average equity (ytd only) | 7.3306% | 1,931 |
| Net charge-offs to loans | 0.2639% | 3,137 |
| Credit loss provision to net charge-offs | 289.9824% | 933 |
| Earnings coverage of net charge-offs (x) | 10.0351% | 2,234 |
| Efficiency ratio | 61.4892% | 5,231 |
| Assets per employee ($millions) | 3.9054% | 4,072 |
| Cash dividends to net income (ytd only)* | 14.5369% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0342% | 2,071 |
| Loan loss allowance to noncurrent loans | 383.2659% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 5,570 |
| Noncurrent loans to loans | 0.5307% | 5,384 |
| Net loans and leases to total assets | 67.3500% | 2,393 |
| Net loans and leases to deposits | 76.4238% | 2,921 |
| Net loans and leases to core deposits | 83.3141% | 2,776 |
| Total domestic deposits to total assets | 88.1270% | 1,968 |
| Equity capital to assets | 11.6593% | 2,585 |
| Core capital (leverage) ratio | 11.3720% | 2,074 |
| Tier 1 risk-based capital ratio | 16.8977% | 2,782 |
| Total risk-based capital ratio | 18.1580% | 2,742 |
| Memoranda: | ||
| Average total assets | $405,463,500 | 1,629 |
| Average earning assets | $389,426,000 | 1,559 |
| Average equity | $45,979,750 | 1,525 |
| Average total loans | $287,466,000 | 1,467 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0240% | 1,722 |
| Cost of funding earning assets | 0.9276% | 2,207 |
| Net interest margin | 4.0965% | 2,110 |
| Noninterest income to average assets | 0.9535% | 1,602 |
| Noninterest expense to average assets | 2.9869% | 3,306 |
| Loan and lease loss provision to assets | 0.5182% | 1,211 |
| Net operating income to assets | 0.9786% | 2,548 |
| Return on assets (ROA) | 0.9807% | 2,783 |
| Pretax return on assets | 1.3879% | 2,246 |
| Return on Equity (ROE) | 8.7300% | 2,922 |
| Retained earnings to average equity (ytd only) | 6.8408% | 2,192 |
| Net charge-offs to loans | -0.0021% | 6,092 |
| Credit loss provision to net charge-offs | -35,000.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0820% | 5,412 |
| Assets per employee ($millions) | 3.9367% | 4,002 |
| Cash dividends to net income (ytd only)* | 21.6407% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9787% | 2,287 |
| Loan loss allowance to noncurrent loans | 569.1843% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 5,967 |
| Noncurrent loans to loans | 0.3476% | 5,852 |
| Net loans and leases to total assets | 69.0527% | 2,092 |
| Net loans and leases to deposits | 78.1126% | 2,652 |
| Net loans and leases to core deposits | 84.9764% | 2,564 |
| Total domestic deposits to total assets | 88.4014% | 1,885 |
| Equity capital to assets | 11.4391% | 2,647 |
| Core capital (leverage) ratio | 11.3026% | 2,043 |
| Tier 1 risk-based capital ratio | 16.1421% | 3,101 |
| Total risk-based capital ratio | 17.4016% | 3,056 |
| Memoranda: | ||
| Average total assets | $405,229,670 | 1,628 |
| Average earning assets | $389,408,670 | 1,558 |
| Average equity | $45,521,000 | 1,531 |
| Average total loans | $290,210,670 | 1,460 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0982% | 1,577 |
| Cost of funding earning assets | 0.9689% | 2,167 |
| Net interest margin | 4.1293% | 1,995 |
| Noninterest income to average assets | 0.9133% | 1,691 |
| Noninterest expense to average assets | 2.9118% | 3,579 |
| Loan and lease loss provision to assets | 0.4443% | 1,399 |
| Net operating income to assets | 1.0642% | 2,230 |
| Return on assets (ROA) | 1.0684% | 2,405 |
| Pretax return on assets | 1.5354% | 1,784 |
| Return on Equity (ROE) | 9.5986% | 2,561 |
| Retained earnings to average equity (ytd only) | 5.7840% | 3,085 |
| Net charge-offs to loans | -0.0533% | 6,551 |
| Credit loss provision to net charge-offs | -1,153.8462% | 5,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5998% | 5,681 |
| Assets per employee ($millions) | 4.0245% | 3,959 |
| Cash dividends to net income (ytd only)* | 39.7412% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7368% | 3,205 |
| Loan loss allowance to noncurrent loans | 1,288.1013% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 6,435 |
| Noncurrent loans to loans | 0.1348% | 6,419 |
| Net loans and leases to total assets | 71.5266% | 1,477 |
| Net loans and leases to deposits | 80.7854% | 2,088 |
| Net loans and leases to core deposits | 88.2400% | 2,022 |
| Total domestic deposits to total assets | 88.5390% | 1,987 |
| Equity capital to assets | 11.2669% | 2,662 |
| Core capital (leverage) ratio | 11.0467% | 2,220 |
| Tier 1 risk-based capital ratio | 15.6457% | 3,363 |
| Total risk-based capital ratio | 16.9024% | 3,333 |
| Memoranda: | ||
| Average total assets | $405,105,000 | 1,636 |
| Average earning assets | $389,702,500 | 1,559 |
| Average equity | $45,090,000 | 1,539 |
| Average total loans | $292,493,000 | 1,453 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3722% | 1,491 |
| Cost of funding earning assets | 1.1253% | 2,498 |
| Net interest margin | 4.2469% | 1,898 |
| Noninterest income to average assets | 1.0113% | 1,337 |
| Noninterest expense to average assets | 3.0079% | 3,561 |
| Loan and lease loss provision to assets | 0.5981% | 1,728 |
| Net operating income to assets | 1.0896% | 1,871 |
| Return on assets (ROA) | 1.0901% | 1,991 |
| Pretax return on assets | 1.4881% | 1,511 |
| Return on Equity (ROE) | 10.2577% | 1,971 |
| Retained earnings to average equity (ytd only) | 9.7089% | 622 |
| Net charge-offs to loans | 0.6183% | 2,600 |
| Credit loss provision to net charge-offs | 130.5057% | 2,342 |
| Earnings coverage of net charge-offs (x) | 4.5503% | 3,071 |
| Efficiency ratio | 59.0547% | 5,894 |
| Assets per employee ($millions) | 3.9588% | 3,956 |
| Cash dividends to net income (ytd only)* | 5.3498% | 3,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 3,682 |
| Loan loss allowance to noncurrent loans | 381.0273% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 6,003 |
| Noncurrent loans to loans | 0.4133% | 5,894 |
| Net loans and leases to total assets | 70.4925% | 1,932 |
| Net loans and leases to deposits | 79.2674% | 2,649 |
| Net loans and leases to core deposits | 87.5777% | 2,420 |
| Total domestic deposits to total assets | 88.9299% | 1,593 |
| Equity capital to assets | 10.9958% | 2,980 |
| Core capital (leverage) ratio | 10.7513% | 2,475 |
| Tier 1 risk-based capital ratio | 15.2681% | 3,473 |
| Total risk-based capital ratio | 16.5219% | 3,429 |
| Memoranda: | ||
| Average total assets | $401,247,400 | 1,617 |
| Average earning assets | $385,668,200 | 1,538 |
| Average equity | $42,641,200 | 1,573 |
| Average total loans | $297,425,800 | 1,431 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 1,446 |
| Cost of funding earning assets | 1.1541% | 2,612 |
| Net interest margin | 4.2699% | 1,826 |
| Noninterest income to average assets | 1.0590% | 1,199 |
| Noninterest expense to average assets | 3.0135% | 3,508 |
| Loan and lease loss provision to assets | 0.6006% | 1,640 |
| Net operating income to assets | 1.1301% | 1,876 |
| Return on assets (ROA) | 1.1304% | 1,996 |
| Pretax return on assets | 1.5498% | 1,517 |
| Return on Equity (ROE) | 10.7317% | 1,944 |
| Retained earnings to average equity (ytd only) | 10.2438% | 780 |
| Net charge-offs to loans | -0.1865% | 7,255 |
| Credit loss provision to net charge-offs | -430.6220% | 6,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3613% | 5,960 |
| Assets per employee ($millions) | 3.9337% | 3,995 |
| Cash dividends to net income (ytd only)* | 4.5455% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0886% | 2,088 |
| Loan loss allowance to noncurrent loans | 1,567.9198% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 6,544 |
| Noncurrent loans to loans | 0.1332% | 6,605 |
| Net loans and leases to total assets | 72.3808% | 1,633 |
| Net loans and leases to deposits | 81.6030% | 2,430 |
| Net loans and leases to core deposits | 89.0056% | 2,355 |
| Total domestic deposits to total assets | 88.6987% | 1,623 |
| Equity capital to assets | 10.8827% | 3,258 |
| Core capital (leverage) ratio | 10.7170% | 2,646 |
| Tier 1 risk-based capital ratio | 14.6101% | 3,897 |
| Total risk-based capital ratio | 15.8712% | 3,865 |
| Memoranda: | ||
| Average total assets | $399,620,000 | 1,631 |
| Average earning assets | $384,139,750 | 1,551 |
| Average equity | $42,092,500 | 1,602 |
| Average total loans | $298,773,000 | 1,435 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5056% | 1,285 |
| Cost of funding earning assets | 1.1791% | 2,712 |
| Net interest margin | 4.3265% | 1,578 |
| Noninterest income to average assets | 1.0745% | 1,129 |
| Noninterest expense to average assets | 3.0143% | 3,579 |
| Loan and lease loss provision to assets | 0.6034% | 1,598 |
| Net operating income to assets | 1.1585% | 1,695 |
| Return on assets (ROA) | 1.1585% | 1,774 |
| Pretax return on assets | 1.6080% | 1,246 |
| Return on Equity (ROE) | 11.1236% | 1,758 |
| Retained earnings to average equity (ytd only) | 10.3801% | 772 |
| Net charge-offs to loans | -0.0100% | 6,686 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6831% | 6,203 |
| Assets per employee ($millions) | 3.9291% | 3,922 |
| Cash dividends to net income (ytd only)* | 6.6840% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7497% | 3,153 |
| Loan loss allowance to noncurrent loans | 1,038.1423% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 6,462 |
| Noncurrent loans to loans | 0.1685% | 6,558 |
| Net loans and leases to total assets | 74.3295% | 1,356 |
| Net loans and leases to deposits | 83.5611% | 2,173 |
| Net loans and leases to core deposits | 91.8357% | 2,159 |
| Total domestic deposits to total assets | 88.9523% | 1,564 |
| Equity capital to assets | 10.8043% | 3,172 |
| Core capital (leverage) ratio | 10.5436% | 2,668 |
| Tier 1 risk-based capital ratio | 14.2219% | 3,998 |
| Total risk-based capital ratio | 15.4786% | 3,968 |
| Memoranda: | ||
| Average total assets | $397,768,330 | 1,650 |
| Average earning assets | $381,650,000 | 1,575 |
| Average equity | $41,425,330 | 1,618 |
| Average total loans | $298,522,330 | 1,455 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5752% | 1,107 |
| Cost of funding earning assets | 1.1932% | 2,862 |
| Net interest margin | 4.3820% | 1,334 |
| Noninterest income to average assets | 1.0306% | 1,241 |
| Noninterest expense to average assets | 2.9611% | 3,810 |
| Loan and lease loss provision to assets | 0.6027% | 1,427 |
| Net operating income to assets | 1.2063% | 1,506 |
| Return on assets (ROA) | 1.2063% | 1,557 |
| Pretax return on assets | 1.6684% | 1,042 |
| Return on Equity (ROE) | 11.8034% | 1,515 |
| Retained earnings to average equity (ytd only) | 10.2899% | 1,049 |
| Net charge-offs to loans | -0.0202% | 6,573 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5944% | 6,432 |
| Assets per employee ($millions) | 3.8913% | 4,092 |
| Cash dividends to net income (ytd only)* | 12.8226% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 3,836 |
| Loan loss allowance to noncurrent loans | 947.6578% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 6,576 |
| Noncurrent loans to loans | 0.1664% | 6,641 |
| Net loans and leases to total assets | 73.9032% | 1,364 |
| Net loans and leases to deposits | 82.7959% | 2,215 |
| Net loans and leases to core deposits | 90.4244% | 2,303 |
| Total domestic deposits to total assets | 89.2595% | 1,607 |
| Equity capital to assets | 10.4924% | 3,180 |
| Core capital (leverage) ratio | 10.1414% | 2,986 |
| Tier 1 risk-based capital ratio | 13.9469% | 4,107 |
| Total risk-based capital ratio | 15.2012% | 4,078 |
| Memoranda: | ||
| Average total assets | $398,232,000 | 1,661 |
| Average earning assets | $381,830,500 | 1,584 |
| Average equity | $40,700,000 | 1,638 |
| Average total loans | $297,672,000 | 1,476 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4028% | 2,658 |
| Cost of funding earning assets | 1.4042% | 3,244 |
| Net interest margin | 3.9986% | 3,026 |
| Noninterest income to average assets | 0.9228% | 1,764 |
| Noninterest expense to average assets | 3.1026% | 3,445 |
| Loan and lease loss provision to assets | 0.3077% | 4,340 |
| Net operating income to assets | 0.9638% | 2,152 |
| Return on assets (ROA) | 0.9612% | 2,282 |
| Pretax return on assets | 1.3253% | 1,869 |
| Return on Equity (ROE) | 9.4739% | 2,118 |
| Retained earnings to average equity (ytd only) | 6.5248% | 1,540 |
| Net charge-offs to loans | 0.0163% | 6,659 |
| Credit loss provision to net charge-offs | 2,553.1915% | 93 |
| Earnings coverage of net charge-offs (x) | 135.8085% | 184 |
| Efficiency ratio | 65.4674% | 5,075 |
| Assets per employee ($millions) | 3.8423% | 4,144 |
| Cash dividends to net income (ytd only)* | 31.1283% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 4,782 |
| Loan loss allowance to noncurrent loans | 570.3390% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 6,527 |
| Noncurrent loans to loans | 0.2358% | 6,586 |
| Net loans and leases to total assets | 73.4175% | 1,786 |
| Net loans and leases to deposits | 85.0206% | 2,276 |
| Net loans and leases to core deposits | 92.5938% | 2,430 |
| Total domestic deposits to total assets | 86.3526% | 3,166 |
| Equity capital to assets | 9.9550% | 3,803 |
| Core capital (leverage) ratio | 10.0956% | 2,979 |
| Tier 1 risk-based capital ratio | 13.0578% | 4,557 |
| Total risk-based capital ratio | 14.3112% | 4,519 |
| Memoranda: | ||
| Average total assets | $390,022,400 | 1,686 |
| Average earning assets | $372,252,000 | 1,616 |
| Average equity | $39,572,000 | 1,670 |
| Average total loans | $287,485,800 | 1,561 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4662% | 2,577 |
| Cost of funding earning assets | 1.4504% | 3,270 |
| Net interest margin | 4.0158% | 3,026 |
| Noninterest income to average assets | 0.9572% | 1,598 |
| Noninterest expense to average assets | 3.1168% | 3,254 |
| Loan and lease loss provision to assets | 0.3103% | 4,096 |
| Net operating income to assets | 1.0024% | 2,231 |
| Return on assets (ROA) | 1.0093% | 2,323 |
| Pretax return on assets | 1.3669% | 1,981 |
| Return on Equity (ROE) | 9.8989% | 2,163 |
| Retained earnings to average equity (ytd only) | 8.0422% | 1,409 |
| Net charge-offs to loans | 0.0141% | 6,475 |
| Credit loss provision to net charge-offs | 3,000.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 161.2293% | 201 |
| Efficiency ratio | 65.1413% | 5,027 |
| Assets per employee ($millions) | 3.7035% | 4,499 |
| Cash dividends to net income (ytd only)* | 18.7564% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 4,819 |
| Loan loss allowance to noncurrent loans | 514.3836% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 6,430 |
| Noncurrent loans to loans | 0.2578% | 6,667 |
| Net loans and leases to total assets | 71.8641% | 2,283 |
| Net loans and leases to deposits | 80.5717% | 3,347 |
| Net loans and leases to core deposits | 87.1818% | 3,495 |
| Total domestic deposits to total assets | 89.1927% | 1,288 |
| Equity capital to assets | 10.4548% | 3,566 |
| Core capital (leverage) ratio | 10.1999% | 3,044 |
| Tier 1 risk-based capital ratio | 13.8841% | 3,928 |
| Total risk-based capital ratio | 15.1350% | 3,897 |
| Memoranda: | ||
| Average total assets | $386,666,500 | 1,725 |
| Average earning assets | $368,531,250 | 1,661 |
| Average equity | $39,424,250 | 1,689 |
| Average total loans | $284,297,750 | 1,588 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4940% | 2,541 |
| Cost of funding earning assets | 1.4948% | 3,283 |
| Net interest margin | 3.9993% | 3,017 |
| Noninterest income to average assets | 0.9810% | 1,437 |
| Noninterest expense to average assets | 3.0954% | 3,348 |
| Loan and lease loss provision to assets | 0.3109% | 3,891 |
| Net operating income to assets | 1.0239% | 2,102 |
| Return on assets (ROA) | 1.0266% | 2,175 |
| Pretax return on assets | 1.3857% | 1,871 |
| Return on Equity (ROE) | 10.1553% | 2,046 |
| Retained earnings to average equity (ytd only) | 7.3410% | 1,700 |
| Net charge-offs to loans | 0.0077% | 6,253 |
| Credit loss provision to net charge-offs | 5,454.5455% | 71 |
| Earnings coverage of net charge-offs (x) | 297.0000% | 113 |
| Efficiency ratio | 64.6429% | 5,221 |
| Assets per employee ($millions) | 3.5681% | 4,756 |
| Cash dividends to net income (ytd only)* | 27.7133% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 5,372 |
| Loan loss allowance to noncurrent loans | 417.5481% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 6,321 |
| Noncurrent loans to loans | 0.2912% | 6,649 |
| Net loans and leases to total assets | 73.9210% | 1,924 |
| Net loans and leases to deposits | 84.1582% | 2,846 |
| Net loans and leases to core deposits | 90.2453% | 3,217 |
| Total domestic deposits to total assets | 87.8357% | 2,088 |
| Equity capital to assets | 10.4730% | 3,442 |
| Core capital (leverage) ratio | 10.0261% | 3,136 |
| Tier 1 risk-based capital ratio | 13.4549% | 4,097 |
| Total risk-based capital ratio | 14.6740% | 4,085 |
| Memoranda: | ||
| Average total assets | $385,933,330 | 1,744 |
| Average earning assets | $367,417,330 | 1,675 |
| Average equity | $39,014,000 | 1,700 |
| Average total loans | $284,660,330 | 1,603 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5630% | 2,312 |
| Cost of funding earning assets | 1.5422% | 3,316 |
| Net interest margin | 4.0208% | 2,784 |
| Noninterest income to average assets | 0.9608% | 1,415 |
| Noninterest expense to average assets | 3.0432% | 3,504 |
| Loan and lease loss provision to assets | 0.3093% | 3,566 |
| Net operating income to assets | 1.1103% | 1,798 |
| Return on assets (ROA) | 1.1103% | 1,880 |
| Pretax return on assets | 1.4330% | 1,683 |
| Return on Equity (ROE) | 11.1812% | 1,727 |
| Retained earnings to average equity (ytd only) | 5.4816% | 2,876 |
| Net charge-offs to loans | 0.0408% | 5,006 |
| Credit loss provision to net charge-offs | 1,034.4828% | 449 |
| Earnings coverage of net charge-offs (x) | 58.2759% | 514 |
| Efficiency ratio | 63.5933% | 5,566 |
| Assets per employee ($millions) | 3.5812% | 4,863 |
| Cash dividends to net income (ytd only)* | 50.9749% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 5,865 |
| Loan loss allowance to noncurrent loans | 444.5070% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 6,420 |
| Noncurrent loans to loans | 0.2542% | 6,828 |
| Net loans and leases to total assets | 72.0582% | 2,435 |
| Net loans and leases to deposits | 81.7653% | 3,327 |
| Net loans and leases to core deposits | 87.3803% | 3,696 |
| Total domestic deposits to total assets | 88.1281% | 1,988 |
| Equity capital to assets | 10.1224% | 3,716 |
| Core capital (leverage) ratio | 9.7855% | 3,414 |
| Tier 1 risk-based capital ratio | 13.3136% | 4,115 |
| Total risk-based capital ratio | 14.4365% | 4,175 |
| Memoranda: | ||
| Average total assets | $388,009,000 | 1,777 |
| Average earning assets | $369,080,500 | 1,707 |
| Average equity | $38,529,000 | 1,745 |
| Average total loans | $284,145,000 | 1,657 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6278% | 3,454 |
| Cost of funding earning assets | 1.9295% | 3,307 |
| Net interest margin | 3.6982% | 4,151 |
| Noninterest income to average assets | 0.9467% | 1,764 |
| Noninterest expense to average assets | 2.9759% | 4,246 |
| Loan and lease loss provision to assets | 0.8105% | 2,698 |
| Net operating income to assets | 0.5087% | 3,697 |
| Return on assets (ROA) | 0.5493% | 3,618 |
| Pretax return on assets | 0.7444% | 3,429 |
| Return on Equity (ROE) | 5.7678% | 3,306 |
| Retained earnings to average equity (ytd only) | 5.1030% | 1,768 |
| Net charge-offs to loans | 0.9453% | 2,503 |
| Credit loss provision to net charge-offs | 119.3584% | 4,495 |
| Earnings coverage of net charge-offs (x) | 2.2089% | 4,066 |
| Efficiency ratio | 66.4894% | 5,291 |
| Assets per employee ($millions) | 3.7772% | 4,328 |
| Cash dividends to net income (ytd only)* | 11.5260% | 3,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 6,398 |
| Loan loss allowance to noncurrent loans | 218.0650% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 6,228 |
| Noncurrent loans to loans | 0.4578% | 6,347 |
| Net loans and leases to total assets | 72.8383% | 2,548 |
| Net loans and leases to deposits | 83.3756% | 3,385 |
| Net loans and leases to core deposits | 113.9043% | 2,508 |
| Total domestic deposits to total assets | 87.3617% | 2,286 |
| Equity capital to assets | 9.7422% | 4,086 |
| Core capital (leverage) ratio | 9.5061% | 3,710 |
| Tier 1 risk-based capital ratio | 12.6503% | 4,403 |
| Total risk-based capital ratio | 13.6390% | 4,571 |
| Memoranda: | ||
| Average total assets | $394,838,200 | 1,740 |
| Average earning assets | $376,772,800 | 1,673 |
| Average equity | $37,605,600 | 1,783 |
| Average total loans | $283,609,400 | 1,699 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6490% | 3,581 |
| Cost of funding earning assets | 2.0117% | 3,296 |
| Net interest margin | 3.6374% | 4,336 |
| Noninterest income to average assets | 0.9622% | 1,734 |
| Noninterest expense to average assets | 3.0275% | 3,944 |
| Loan and lease loss provision to assets | 0.5059% | 3,364 |
| Net operating income to assets | 0.6498% | 3,404 |
| Return on assets (ROA) | 0.7025% | 3,257 |
| Pretax return on assets | 0.9753% | 2,975 |
| Return on Equity (ROE) | 7.4180% | 2,902 |
| Retained earnings to average equity (ytd only) | 7.0619% | 1,481 |
| Net charge-offs to loans | 0.1871% | 4,896 |
| Credit loss provision to net charge-offs | 378.7879% | 1,062 |
| Earnings coverage of net charge-offs (x) | 10.5429% | 1,951 |
| Efficiency ratio | 68.2558% | 4,917 |
| Assets per employee ($millions) | 3.6759% | 4,485 |
| Cash dividends to net income (ytd only)* | 4.8008% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 5,010 |
| Loan loss allowance to noncurrent loans | 98.7760% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 1.0948% | 4,890 |
| Noncurrent loans to loans | 1.2339% | 4,884 |
| Net loans and leases to total assets | 72.1763% | 2,994 |
| Net loans and leases to deposits | 83.0200% | 3,829 |
| Net loans and leases to core deposits | 114.9063% | 2,739 |
| Total domestic deposits to total assets | 86.9384% | 2,207 |
| Equity capital to assets | 9.8674% | 4,243 |
| Core capital (leverage) ratio | 9.6850% | 3,666 |
| Tier 1 risk-based capital ratio | 12.9422% | 4,233 |
| Total risk-based capital ratio | 14.1566% | 4,195 |
| Memoranda: | ||
| Average total assets | $395,340,500 | 1,750 |
| Average earning assets | $377,518,000 | 1,682 |
| Average equity | $37,439,500 | 1,812 |
| Average total loans | $282,258,000 | 1,724 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6648% | 3,737 |
| Cost of funding earning assets | 2.1287% | 3,140 |
| Net interest margin | 3.5361% | 4,634 |
| Noninterest income to average assets | 0.9848% | 1,648 |
| Noninterest expense to average assets | 2.9962% | 4,095 |
| Loan and lease loss provision to assets | 0.4531% | 3,270 |
| Net operating income to assets | 0.6666% | 3,407 |
| Return on assets (ROA) | 0.7401% | 3,193 |
| Pretax return on assets | 1.0125% | 2,959 |
| Return on Equity (ROE) | 7.9238% | 2,804 |
| Retained earnings to average equity (ytd only) | 7.9238% | 1,233 |
| Net charge-offs to loans | 0.2658% | 3,865 |
| Credit loss provision to net charge-offs | 240.6417% | 1,933 |
| Earnings coverage of net charge-offs (x) | 7.2487% | 2,470 |
| Efficiency ratio | 68.7024% | 5,032 |
| Assets per employee ($millions) | 3.6176% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 6,066 |
| Loan loss allowance to noncurrent loans | 75.4894% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.1842% | 4,569 |
| Noncurrent loans to loans | 1.3535% | 4,506 |
| Net loans and leases to total assets | 72.3740% | 3,122 |
| Net loans and leases to deposits | 85.1304% | 3,707 |
| Net loans and leases to core deposits | 117.9089% | 2,549 |
| Total domestic deposits to total assets | 85.0154% | 3,252 |
| Equity capital to assets | 9.6514% | 4,425 |
| Core capital (leverage) ratio | 9.1003% | 4,465 |
| Tier 1 risk-based capital ratio | 12.7864% | 4,297 |
| Total risk-based capital ratio | 13.8005% | 4,405 |
| Memoranda: | ||
| Average total assets | $397,238,670 | 1,773 |
| Average earning assets | $379,291,000 | 1,708 |
| Average equity | $37,103,330 | 1,841 |
| Average total loans | $281,443,330 | 1,759 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6284% | 4,188 |
| Cost of funding earning assets | 2.1784% | 3,272 |
| Net interest margin | 3.4500% | 4,938 |
| Noninterest income to average assets | 0.9475% | 1,656 |
| Noninterest expense to average assets | 2.8217% | 4,472 |
| Loan and lease loss provision to assets | 0.2983% | 3,563 |
| Net operating income to assets | 0.7815% | 3,206 |
| Return on assets (ROA) | 0.9207% | 2,756 |
| Pretax return on assets | 1.3174% | 2,221 |
| Return on Equity (ROE) | 10.0174% | 2,313 |
| Retained earnings to average equity (ytd only) | 10.0174% | 1,193 |
| Net charge-offs to loans | -0.0057% | 7,194 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5728% | 5,216 |
| Assets per employee ($millions) | 3.8618% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 6,546 |
| Loan loss allowance to noncurrent loans | 68.2341% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1618% | 4,347 |
| Noncurrent loans to loans | 1.3787% | 4,246 |
| Net loans and leases to total assets | 68.6800% | 3,982 |
| Net loans and leases to deposits | 81.3651% | 4,396 |
| Net loans and leases to core deposits | 118.8054% | 2,525 |
| Total domestic deposits to total assets | 84.4096% | 3,508 |
| Equity capital to assets | 9.1299% | 5,183 |
| Core capital (leverage) ratio | 9.0228% | 4,669 |
| Tier 1 risk-based capital ratio | 12.3248% | 4,683 |
| Total risk-based capital ratio | 13.2409% | 4,859 |
| Memoranda: | ||
| Average total assets | $402,316,000 | 1,750 |
| Average earning assets | $383,770,000 | 1,698 |
| Average equity | $36,975,500 | 1,851 |
| Average total loans | $280,645,000 | 1,774 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9888% | 5,601 |
| Cost of funding earning assets | 2.6648% | 3,339 |
| Net interest margin | 3.3240% | 5,955 |
| Noninterest income to average assets | 1.0869% | 1,332 |
| Noninterest expense to average assets | 2.9868% | 4,124 |
| Loan and lease loss provision to assets | 0.7968% | 1,864 |
| Net operating income to assets | 0.3307% | 5,442 |
| Return on assets (ROA) | 0.3612% | 5,110 |
| Pretax return on assets | 0.5096% | 4,944 |
| Return on Equity (ROE) | 3.8875% | 4,865 |
| Retained earnings to average equity (ytd only) | 2.6655% | 3,519 |
| Net charge-offs to loans | 1.0490% | 1,172 |
| Credit loss provision to net charge-offs | 115.9091% | 4,658 |
| Earnings coverage of net charge-offs (x) | 1.8379% | 5,154 |
| Efficiency ratio | 70.2733% | 4,296 |
| Assets per employee ($millions) | 3.8008% | 3,956 |
| Cash dividends to net income (ytd only)* | 31.4348% | 4,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 6,890 |
| Loan loss allowance to noncurrent loans | 49.8525% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 1.3777% | 3,433 |
| Noncurrent loans to loans | 1.7104% | 3,204 |
| Net loans and leases to total assets | 69.5990% | 4,118 |
| Net loans and leases to deposits | 79.0003% | 5,197 |
| Net loans and leases to core deposits | 112.8285% | 3,467 |
| Total domestic deposits to total assets | 88.0997% | 1,433 |
| Equity capital to assets | 9.2536% | 4,998 |
| Core capital (leverage) ratio | 9.0201% | 4,710 |
| Tier 1 risk-based capital ratio | 12.5025% | 4,434 |
| Total risk-based capital ratio | 13.3478% | 4,626 |
| Memoranda: | ||
| Average total assets | $384,023,200 | 1,762 |
| Average earning assets | $365,465,800 | 1,702 |
| Average equity | $35,678,600 | 1,887 |
| Average total loans | $251,677,600 | 1,897 |