Home > Great Plains National Bank > Performance and Condition Ratios
Great Plains National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5650% | 152 |
| Cost of funding earning assets | 2.3438% | 501 |
| Net interest margin | 5.2212% | 258 |
| Noninterest income to average assets | 1.1900% | 503 |
| Noninterest expense to average assets | 3.9781% | 376 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.6263% | 827 |
| Return on assets (ROA) | 1.6263% | 801 |
| Pretax return on assets | 1.6862% | 1,086 |
| Return on Equity (ROE) | 17.1700% | 928 |
| Retained earnings to average equity (ytd only) | 14.4854% | 364 |
| Net charge-offs to loans | 0.0767% | 1,100 |
| Credit loss provision to net charge-offs | 377.5510% | 814 |
| Earnings coverage of net charge-offs (x) | 30.8010% | 1,618 |
| Efficiency ratio | 66.6602% | 2,266 |
| Assets per employee ($millions) | 4.4877% | 3,960 |
| Cash dividends to net income (ytd only)* | 15.6397% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 2,492 |
| Loan loss allowance to noncurrent loans | 160.8459% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.6512% | 823 |
| Noncurrent loans to loans | 0.7227% | 1,077 |
| Net loans and leases to total assets | 84.7700% | 222 |
| Net loans and leases to deposits | 96.2116% | 767 |
| Net loans and leases to core deposits | 111.8308% | 890 |
| Total domestic deposits to total assets | 88.1100% | 1,309 |
| Equity capital to assets | 10.0953% | 1,954 |
| Core capital (leverage) ratio | 9.1715% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4097% | 2,737 |
| Memoranda: | ||
| Average total assets | $1,570,659,800 | 693 |
| Average earning assets | $1,418,056,800 | 694 |
| Average equity | $148,763,800 | 675 |
| Average total loans | $1,277,977,600 | 596 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3355% | 164 |
| Cost of funding earning assets | 2.2569% | 451 |
| Net interest margin | 5.0787% | 286 |
| Noninterest income to average assets | 1.1600% | 521 |
| Noninterest expense to average assets | 3.9545% | 369 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.4763% | 1,171 |
| Return on assets (ROA) | 1.4763% | 1,154 |
| Pretax return on assets | 1.5361% | 1,494 |
| Return on Equity (ROE) | 15.8500% | 1,280 |
| Retained earnings to average equity (ytd only) | 12.1941% | 940 |
| Net charge-offs to loans | 0.1021% | 774 |
| Credit loss provision to net charge-offs | 278.1250% | 927 |
| Earnings coverage of net charge-offs (x) | 21.5365% | 1,777 |
| Efficiency ratio | 68.3605% | 1,980 |
| Assets per employee ($millions) | 4.4367% | 3,979 |
| Cash dividends to net income (ytd only)* | 23.0871% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 2,645 |
| Loan loss allowance to noncurrent loans | 194.4755% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5107% | 1,139 |
| Noncurrent loans to loans | 0.5890% | 1,362 |
| Net loans and leases to total assets | 80.1800% | 619 |
| Net loans and leases to deposits | 90.4533% | 1,198 |
| Net loans and leases to core deposits | 104.5803% | 1,085 |
| Total domestic deposits to total assets | 88.6400% | 1,364 |
| Equity capital to assets | 9.4049% | 2,156 |
| Core capital (leverage) ratio | 8.6826% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0550% | 2,816 |
| Memoranda: | ||
| Average total assets | $1,562,801,750 | 698 |
| Average earning assets | $1,404,220,500 | 703 |
| Average equity | $145,520,750 | 681 |
| Average total loans | $1,253,959,500 | 604 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0873% | 167 |
| Cost of funding earning assets | 2.1510% | 372 |
| Net interest margin | 4.9363% | 335 |
| Noninterest income to average assets | 1.2200% | 431 |
| Noninterest expense to average assets | 3.9199% | 363 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.4684% | 1,171 |
| Return on assets (ROA) | 1.4684% | 1,157 |
| Pretax return on assets | 1.5280% | 1,545 |
| Return on Equity (ROE) | 15.8200% | 1,300 |
| Retained earnings to average equity (ytd only) | 12.7799% | 839 |
| Net charge-offs to loans | 0.0810% | 781 |
| Credit loss provision to net charge-offs | 319.9601% | 833 |
| Earnings coverage of net charge-offs (x) | 26.7884% | 1,604 |
| Efficiency ratio | 68.5041% | 1,924 |
| Assets per employee ($millions) | 4.4718% | 3,967 |
| Cash dividends to net income (ytd only)* | 19.2392% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 2,878 |
| Loan loss allowance to noncurrent loans | 156.6470% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5949% | 907 |
| Noncurrent loans to loans | 0.7117% | 1,047 |
| Net loans and leases to total assets | 78.8500% | 753 |
| Net loans and leases to deposits | 88.5807% | 1,296 |
| Net loans and leases to core deposits | 102.1256% | 1,125 |
| Total domestic deposits to total assets | 89.0200% | 1,253 |
| Equity capital to assets | 9.1666% | 2,397 |
| Core capital (leverage) ratio | 8.5926% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7742% | 2,875 |
| Memoranda: | ||
| Average total assets | $1,546,892,667 | 690 |
| Average earning assets | $1,390,154,333 | 699 |
| Average equity | $143,538,000 | 686 |
| Average total loans | $1,236,543,000 | 601 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7505% | 142 |
| Cost of funding earning assets | 2.0125% | 292 |
| Net interest margin | 4.7380% | 415 |
| Noninterest income to average assets | 1.2700% | 409 |
| Noninterest expense to average assets | 3.8494% | 394 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.4565% | 1,274 |
| Return on assets (ROA) | 1.4565% | 1,248 |
| Pretax return on assets | 1.5150% | 1,641 |
| Return on Equity (ROE) | 15.6000% | 1,443 |
| Retained earnings to average equity (ytd only) | 11.2937% | 1,403 |
| Net charge-offs to loans | 0.1063% | 574 |
| Credit loss provision to net charge-offs | 217.7019% | 789 |
| Earnings coverage of net charge-offs (x) | 19.9658% | 1,453 |
| Efficiency ratio | 68.5294% | 1,914 |
| Assets per employee ($millions) | 4.4807% | 4,034 |
| Cash dividends to net income (ytd only)* | 27.5862% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 3,072 |
| Loan loss allowance to noncurrent loans | 177.6923% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 1,012 |
| Noncurrent loans to loans | 0.6177% | 1,212 |
| Net loans and leases to total assets | 78.3100% | 735 |
| Net loans and leases to deposits | 87.8776% | 1,219 |
| Net loans and leases to core deposits | 101.8931% | 1,004 |
| Total domestic deposits to total assets | 89.1200% | 1,501 |
| Equity capital to assets | 9.1411% | 2,413 |
| Core capital (leverage) ratio | 8.5094% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6604% | 2,979 |
| Memoranda: | ||
| Average total assets | $1,513,184,000 | 715 |
| Average earning assets | $1,365,879,000 | 718 |
| Average equity | $141,318,000 | 706 |
| Average total loans | $1,211,162,000 | 618 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7243% | 120 |
| Cost of funding earning assets | 0.3722% | 2,311 |
| Net interest margin | 5.3521% | 97 |
| Noninterest income to average assets | 1.2700% | 417 |
| Noninterest expense to average assets | 4.2317% | 288 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 1.5855% | 714 |
| Return on assets (ROA) | 1.5834% | 685 |
| Pretax return on assets | 1.7137% | 891 |
| Return on Equity (ROE) | 17.0500% | 855 |
| Retained earnings to average equity (ytd only) | 8.0769% | 1,799 |
| Net charge-offs to loans | 0.1739% | 483 |
| Credit loss provision to net charge-offs | 198.1871% | 1,133 |
| Earnings coverage of net charge-offs (x) | 14.0567% | 2,047 |
| Efficiency ratio | 67.6864% | 2,001 |
| Assets per employee ($millions) | 4.2760% | 4,153 |
| Cash dividends to net income (ytd only)* | 52.6349% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 2,775 |
| Loan loss allowance to noncurrent loans | 162.6366% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5865% | 853 |
| Noncurrent loans to loans | 0.6901% | 1,086 |
| Net loans and leases to total assets | 80.0600% | 584 |
| Net loans and leases to deposits | 95.7828% | 656 |
| Net loans and leases to core deposits | 105.9178% | 751 |
| Total domestic deposits to total assets | 83.5800% | 3,299 |
| Equity capital to assets | 9.5521% | 1,968 |
| Core capital (leverage) ratio | 8.9838% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6880% | 3,011 |
| Memoranda: | ||
| Average total assets | $1,203,261,400 | 852 |
| Average earning assets | $1,114,650,400 | 844 |
| Average equity | $111,726,400 | 869 |
| Average total loans | $983,312,200 | 695 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6685% | 99 |
| Cost of funding earning assets | 0.2451% | 2,760 |
| Net interest margin | 5.4234% | 82 |
| Noninterest income to average assets | 1.3700% | 396 |
| Noninterest expense to average assets | 4.4709% | 258 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | 1.5000% | 852 |
| Return on assets (ROA) | 1.4980% | 837 |
| Pretax return on assets | 1.6288% | 1,050 |
| Return on Equity (ROE) | 16.2800% | 926 |
| Retained earnings to average equity (ytd only) | 3.5292% | 3,605 |
| Net charge-offs to loans | 0.2285% | 304 |
| Credit loss provision to net charge-offs | 168.3948% | 1,070 |
| Earnings coverage of net charge-offs (x) | 10.3898% | 1,986 |
| Efficiency ratio | 69.2594% | 1,853 |
| Assets per employee ($millions) | 3.7774% | 4,406 |
| Cash dividends to net income (ytd only)* | 78.3254% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,102 |
| Loan loss allowance to noncurrent loans | 147.5192% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 707 |
| Noncurrent loans to loans | 0.8710% | 902 |
| Net loans and leases to total assets | 79.7500% | 549 |
| Net loans and leases to deposits | 93.6918% | 653 |
| Net loans and leases to core deposits | 99.9779% | 815 |
| Total domestic deposits to total assets | 85.1200% | 3,258 |
| Equity capital to assets | 8.5035% | 2,546 |
| Core capital (leverage) ratio | 9.4702% | 3,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4551% | 2,958 |
| Memoranda: | ||
| Average total assets | $1,139,544,250 | 889 |
| Average earning assets | $1,060,635,750 | 878 |
| Average equity | $104,837,500 | 928 |
| Average total loans | $934,001,250 | 727 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6093% | 94 |
| Cost of funding earning assets | 0.2101% | 2,777 |
| Net interest margin | 5.3992% | 77 |
| Noninterest income to average assets | 1.3774% | 379 |
| Noninterest expense to average assets | 4.3849% | 223 |
| Loan and lease loss provision to assets | 0.3593% | 165 |
| Net operating income to assets | 1.5427% | 631 |
| Return on assets (ROA) | 1.5395% | 618 |
| Pretax return on assets | 1.6598% | 830 |
| Return on Equity (ROE) | 16.2834% | 662 |
| Retained earnings to average equity (ytd only) | 1.2586% | 3,932 |
| Net charge-offs to loans | 0.3203% | 217 |
| Credit loss provision to net charge-offs | 136.2398% | 1,132 |
| Earnings coverage of net charge-offs (x) | 7.6649% | 1,849 |
| Efficiency ratio | 68.0141% | 2,243 |
| Assets per employee ($millions) | 3.4186% | 4,566 |
| Cash dividends to net income (ytd only)* | 92.2709% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 2,267 |
| Loan loss allowance to noncurrent loans | 235.0554% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5062% | 1,126 |
| Noncurrent loans to loans | 0.5458% | 1,524 |
| Net loans and leases to total assets | 83.0537% | 236 |
| Net loans and leases to deposits | 92.7532% | 571 |
| Net loans and leases to core deposits | 98.8618% | 721 |
| Total domestic deposits to total assets | 89.5427% | 1,923 |
| Equity capital to assets | 9.1830% | 2,246 |
| Core capital (leverage) ratio | 9.3483% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8282% | 2,855 |
| Memoranda: | ||
| Average total assets | $1,112,690,333 | 896 |
| Average earning assets | $1,036,596,000 | 893 |
| Average equity | $105,199,333 | 932 |
| Average total loans | $916,750,000 | 723 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5649% | 89 |
| Cost of funding earning assets | 0.2103% | 2,665 |
| Net interest margin | 5.3546% | 79 |
| Noninterest income to average assets | 1.2360% | 467 |
| Noninterest expense to average assets | 4.2870% | 231 |
| Loan and lease loss provision to assets | 0.3948% | 133 |
| Net operating income to assets | 1.4736% | 672 |
| Return on assets (ROA) | 1.4692% | 674 |
| Pretax return on assets | 1.5486% | 922 |
| Return on Equity (ROE) | 15.3169% | 612 |
| Retained earnings to average equity (ytd only) | -1.9828% | 4,244 |
| Net charge-offs to loans | 0.0846% | 580 |
| Credit loss provision to net charge-offs | 573.2984% | 483 |
| Earnings coverage of net charge-offs (x) | 28.2618% | 1,159 |
| Efficiency ratio | 68.3220% | 2,462 |
| Assets per employee ($millions) | 3.6791% | 4,507 |
| Cash dividends to net income (ytd only)* | 112.9452% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 1,982 |
| Loan loss allowance to noncurrent loans | 179.6515% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 933 |
| Noncurrent loans to loans | 0.7690% | 1,238 |
| Net loans and leases to total assets | 78.3331% | 353 |
| Net loans and leases to deposits | 87.3506% | 658 |
| Net loans and leases to core deposits | 93.3282% | 759 |
| Total domestic deposits to total assets | 89.6766% | 1,728 |
| Equity capital to assets | 9.2209% | 2,509 |
| Core capital (leverage) ratio | 9.4803% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4173% | 2,804 |
| Memoranda: | ||
| Average total assets | $1,108,380,500 | 903 |
| Average earning assets | $1,034,767,500 | 900 |
| Average equity | $106,314,000 | 951 |
| Average total loans | $903,429,000 | 725 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2042% | 72 |
| Cost of funding earning assets | 0.2737% | 2,671 |
| Net interest margin | 5.9305% | 53 |
| Noninterest income to average assets | 2.0344% | 313 |
| Noninterest expense to average assets | 5.0319% | 179 |
| Loan and lease loss provision to assets | 0.3138% | 253 |
| Net operating income to assets | 2.1602% | 263 |
| Return on assets (ROA) | 2.1617% | 277 |
| Pretax return on assets | 2.2301% | 389 |
| Return on Equity (ROE) | 21.8609% | 226 |
| Retained earnings to average equity (ytd only) | 11.7981% | 561 |
| Net charge-offs to loans | 0.1537% | 622 |
| Credit loss provision to net charge-offs | 240.9194% | 1,194 |
| Earnings coverage of net charge-offs (x) | 19.5162% | 1,872 |
| Efficiency ratio | 66.0437% | 2,254 |
| Assets per employee ($millions) | 3.6857% | 4,536 |
| Cash dividends to net income (ytd only)* | 46.0309% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 2,452 |
| Loan loss allowance to noncurrent loans | 298.5294% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 1,618 |
| Noncurrent loans to loans | 0.4288% | 2,067 |
| Net loans and leases to total assets | 82.6255% | 157 |
| Net loans and leases to deposits | 92.9850% | 417 |
| Net loans and leases to core deposits | 98.8155% | 583 |
| Total domestic deposits to total assets | 88.8590% | 1,592 |
| Equity capital to assets | 9.9823% | 2,669 |
| Core capital (leverage) ratio | 9.8710% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7679% | 2,709 |
| Memoranda: | ||
| Average total assets | $1,018,640,600 | 947 |
| Average earning assets | $951,548,400 | 943 |
| Average equity | $100,728,000 | 1,006 |
| Average total loans | $863,117,000 | 753 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0524% | 81 |
| Cost of funding earning assets | 0.2922% | 2,663 |
| Net interest margin | 5.7602% | 70 |
| Noninterest income to average assets | 2.2095% | 292 |
| Noninterest expense to average assets | 5.1805% | 167 |
| Loan and lease loss provision to assets | 0.2718% | 312 |
| Net operating income to assets | 2.0654% | 415 |
| Return on assets (ROA) | 2.0664% | 440 |
| Pretax return on assets | 2.1338% | 634 |
| Return on Equity (ROE) | 20.9507% | 362 |
| Retained earnings to average equity (ytd only) | 7.2943% | 2,309 |
| Net charge-offs to loans | 0.0847% | 836 |
| Credit loss provision to net charge-offs | 377.6753% | 892 |
| Earnings coverage of net charge-offs (x) | 33.3838% | 1,468 |
| Efficiency ratio | 67.9036% | 1,849 |
| Assets per employee ($millions) | 3.4728% | 4,652 |
| Cash dividends to net income (ytd only)* | 65.1833% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,612 |
| Loan loss allowance to noncurrent loans | 309.1310% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 1,913 |
| Noncurrent loans to loans | 0.4126% | 2,321 |
| Net loans and leases to total assets | 82.9821% | 140 |
| Net loans and leases to deposits | 93.3583% | 436 |
| Net loans and leases to core deposits | 99.9171% | 588 |
| Total domestic deposits to total assets | 88.8857% | 1,352 |
| Equity capital to assets | 9.7409% | 3,160 |
| Core capital (leverage) ratio | 9.6282% | 2,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9345% | 2,730 |
| Memoranda: | ||
| Average total assets | $1,003,322,750 | 973 |
| Average earning assets | $936,304,250 | 969 |
| Average equity | $98,960,000 | 1,034 |
| Average total loans | $852,932,750 | 776 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7729% | 120 |
| Cost of funding earning assets | 0.3146% | 2,646 |
| Net interest margin | 5.4583% | 105 |
| Noninterest income to average assets | 2.5151% | 242 |
| Noninterest expense to average assets | 5.3388% | 157 |
| Loan and lease loss provision to assets | 0.2541% | 382 |
| Net operating income to assets | 1.9551% | 528 |
| Return on assets (ROA) | 1.9567% | 548 |
| Pretax return on assets | 2.0208% | 806 |
| Return on Equity (ROE) | 19.7520% | 475 |
| Retained earnings to average equity (ytd only) | 5.8344% | 2,882 |
| Net charge-offs to loans | 0.0741% | 905 |
| Credit loss provision to net charge-offs | 401.5974% | 755 |
| Earnings coverage of net charge-offs (x) | 35.9265% | 1,219 |
| Efficiency ratio | 69.7350% | 1,677 |
| Assets per employee ($millions) | 3.4921% | 4,669 |
| Cash dividends to net income (ytd only)* | 70.4618% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,736 |
| Loan loss allowance to noncurrent loans | 157.9291% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6770% | 1,218 |
| Noncurrent loans to loans | 0.7838% | 1,548 |
| Net loans and leases to total assets | 83.5823% | 149 |
| Net loans and leases to deposits | 93.9196% | 464 |
| Net loans and leases to core deposits | 101.0925% | 623 |
| Total domestic deposits to total assets | 88.9934% | 1,287 |
| Equity capital to assets | 9.7553% | 3,088 |
| Core capital (leverage) ratio | 9.4458% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6121% | 2,514 |
| Memoranda: | ||
| Average total assets | $989,324,000 | 976 |
| Average earning assets | $923,834,000 | 971 |
| Average equity | $98,005,333 | 1,038 |
| Average total loans | $844,365,667 | 783 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3028% | 230 |
| Cost of funding earning assets | 0.3373% | 2,646 |
| Net interest margin | 4.9655% | 194 |
| Noninterest income to average assets | 3.2905% | 180 |
| Noninterest expense to average assets | 5.8125% | 128 |
| Loan and lease loss provision to assets | 0.2574% | 398 |
| Net operating income to assets | 1.8154% | 761 |
| Return on assets (ROA) | 1.8154% | 813 |
| Pretax return on assets | 1.8670% | 1,163 |
| Return on Equity (ROE) | 18.1812% | 712 |
| Retained earnings to average equity (ytd only) | 7.0976% | 2,548 |
| Net charge-offs to loans | 0.0445% | 1,033 |
| Credit loss provision to net charge-offs | 675.2688% | 519 |
| Earnings coverage of net charge-offs (x) | 55.7312% | 857 |
| Efficiency ratio | 72.8465% | 1,417 |
| Assets per employee ($millions) | 3.4836% | 4,695 |
| Cash dividends to net income (ytd only)* | 60.9618% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 2,992 |
| Loan loss allowance to noncurrent loans | 192.6233% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 1,530 |
| Noncurrent loans to loans | 0.6166% | 2,027 |
| Net loans and leases to total assets | 84.5903% | 127 |
| Net loans and leases to deposits | 94.8233% | 451 |
| Net loans and leases to core deposits | 102.3885% | 619 |
| Total domestic deposits to total assets | 89.2084% | 1,232 |
| Equity capital to assets | 9.7272% | 2,968 |
| Core capital (leverage) ratio | 9.6283% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1863% | 2,215 |
| Memoranda: | ||
| Average total assets | $975,889,000 | 974 |
| Average earning assets | $913,173,500 | 965 |
| Average equity | $97,441,500 | 1,031 |
| Average total loans | $836,546,500 | 781 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0990% | 82 |
| Cost of funding earning assets | 0.7221% | 1,604 |
| Net interest margin | 5.3769% | 76 |
| Noninterest income to average assets | 3.4451% | 160 |
| Noninterest expense to average assets | 5.9827% | 129 |
| Loan and lease loss provision to assets | 0.5353% | 427 |
| Net operating income to assets | 1.9432% | 294 |
| Return on assets (ROA) | 1.9457% | 315 |
| Pretax return on assets | 1.9489% | 506 |
| Return on Equity (ROE) | 19.5598% | 252 |
| Retained earnings to average equity (ytd only) | 9.6373% | 652 |
| Net charge-offs to loans | 0.6207% | 241 |
| Credit loss provision to net charge-offs | 101.6681% | 2,796 |
| Earnings coverage of net charge-offs (x) | 4.7111% | 2,951 |
| Efficiency ratio | 70.2852% | 1,911 |
| Assets per employee ($millions) | 2.9439% | 4,823 |
| Cash dividends to net income (ytd only)* | 50.7289% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,975 |
| Loan loss allowance to noncurrent loans | 190.2530% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.6463% | 1,623 |
| Noncurrent loans to loans | 0.6286% | 2,121 |
| Net loans and leases to total assets | 84.8168% | 142 |
| Net loans and leases to deposits | 95.7037% | 567 |
| Net loans and leases to core deposits | 103.5838% | 746 |
| Total domestic deposits to total assets | 88.6244% | 1,156 |
| Equity capital to assets | 10.2594% | 2,875 |
| Core capital (leverage) ratio | 9.5033% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0476% | 2,218 |
| Memoranda: | ||
| Average total assets | $899,053,800 | 967 |
| Average earning assets | $839,275,600 | 964 |
| Average equity | $89,433,400 | 1,064 |
| Average total loans | $763,028,800 | 812 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0136% | 107 |
| Cost of funding earning assets | 0.8041% | 1,479 |
| Net interest margin | 5.2095% | 102 |
| Noninterest income to average assets | 3.1848% | 171 |
| Noninterest expense to average assets | 5.8225% | 135 |
| Loan and lease loss provision to assets | 0.5420% | 511 |
| Net operating income to assets | 1.6783% | 608 |
| Return on assets (ROA) | 1.6817% | 664 |
| Pretax return on assets | 1.6859% | 994 |
| Return on Equity (ROE) | 17.0481% | 446 |
| Retained earnings to average equity (ytd only) | 3.5345% | 3,292 |
| Net charge-offs to loans | 0.7050% | 198 |
| Credit loss provision to net charge-offs | 90.9091% | 2,692 |
| Earnings coverage of net charge-offs (x) | 3.7290% | 2,887 |
| Efficiency ratio | 71.9347% | 1,651 |
| Assets per employee ($millions) | 3.0731% | 4,819 |
| Cash dividends to net income (ytd only)* | 79.2675% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 2,964 |
| Loan loss allowance to noncurrent loans | 194.6008% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 2,075 |
| Noncurrent loans to loans | 0.5871% | 2,332 |
| Net loans and leases to total assets | 84.1272% | 266 |
| Net loans and leases to deposits | 94.5171% | 879 |
| Net loans and leases to core deposits | 102.8382% | 990 |
| Total domestic deposits to total assets | 89.0074% | 767 |
| Equity capital to assets | 9.5059% | 3,681 |
| Core capital (leverage) ratio | 8.9593% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0056% | 2,198 |
| Memoranda: | ||
| Average total assets | $887,565,500 | 964 |
| Average earning assets | $828,388,500 | 957 |
| Average equity | $87,553,750 | 1,073 |
| Average total loans | $750,979,500 | 818 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0910% | 134 |
| Cost of funding earning assets | 0.8899% | 1,419 |
| Net interest margin | 5.2010% | 141 |
| Noninterest income to average assets | 2.6258% | 206 |
| Noninterest expense to average assets | 5.5473% | 153 |
| Loan and lease loss provision to assets | 0.5479% | 611 |
| Net operating income to assets | 1.3693% | 1,182 |
| Return on assets (ROA) | 1.3746% | 1,261 |
| Pretax return on assets | 1.3836% | 1,761 |
| Return on Equity (ROE) | 13.7513% | 928 |
| Retained earnings to average equity (ytd only) | -0.4414% | 4,393 |
| Net charge-offs to loans | 0.5811% | 269 |
| Credit loss provision to net charge-offs | 111.7702% | 2,329 |
| Earnings coverage of net charge-offs (x) | 3.9261% | 2,640 |
| Efficiency ratio | 73.7599% | 1,488 |
| Assets per employee ($millions) | 3.0746% | 4,837 |
| Cash dividends to net income (ytd only)* | 103.2095% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,465 |
| Loan loss allowance to noncurrent loans | 158.4336% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 1,770 |
| Noncurrent loans to loans | 0.7638% | 1,974 |
| Net loans and leases to total assets | 84.5596% | 221 |
| Net loans and leases to deposits | 94.4452% | 917 |
| Net loans and leases to core deposits | 103.7467% | 1,016 |
| Total domestic deposits to total assets | 89.5330% | 556 |
| Equity capital to assets | 9.2142% | 3,912 |
| Core capital (leverage) ratio | 9.0939% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3281% | 2,473 |
| Memoranda: | ||
| Average total assets | $865,864,667 | 968 |
| Average earning assets | $807,032,333 | 964 |
| Average equity | $86,551,667 | 1,074 |
| Average total loans | $731,067,333 | 829 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7281% | 69 |
| Cost of funding earning assets | 1.0030% | 1,405 |
| Net interest margin | 5.7251% | 68 |
| Noninterest income to average assets | 2.3502% | 215 |
| Noninterest expense to average assets | 5.6588% | 168 |
| Loan and lease loss provision to assets | 0.3770% | 817 |
| Net operating income to assets | 1.6195% | 603 |
| Return on assets (ROA) | 1.6185% | 665 |
| Pretax return on assets | 1.6341% | 985 |
| Return on Equity (ROE) | 15.4896% | 484 |
| Retained earnings to average equity (ytd only) | -0.3492% | 4,046 |
| Net charge-offs to loans | 0.3247% | 448 |
| Credit loss provision to net charge-offs | 138.8193% | 1,628 |
| Earnings coverage of net charge-offs (x) | 7.3989% | 1,927 |
| Efficiency ratio | 73.2940% | 1,906 |
| Assets per employee ($millions) | 2.7669% | 4,879 |
| Cash dividends to net income (ytd only)* | 102.2543% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 1,661 |
| Loan loss allowance to noncurrent loans | 139.9915% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 1,493 |
| Noncurrent loans to loans | 1.0072% | 1,646 |
| Net loans and leases to total assets | 82.8842% | 366 |
| Net loans and leases to deposits | 93.7018% | 1,103 |
| Net loans and leases to core deposits | 104.5537% | 1,149 |
| Total domestic deposits to total assets | 88.4553% | 907 |
| Equity capital to assets | 10.2586% | 3,549 |
| Core capital (leverage) ratio | 10.3801% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3803% | 2,539 |
| Memoranda: | ||
| Average total assets | $822,229,500 | 985 |
| Average earning assets | $764,140,500 | 979 |
| Average equity | $85,915,500 | 1,072 |
| Average total loans | $688,681,500 | 847 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9100% | 71 |
| Cost of funding earning assets | 1.0979% | 1,331 |
| Net interest margin | 5.8121% | 76 |
| Noninterest income to average assets | 2.2813% | 222 |
| Noninterest expense to average assets | 5.5486% | 158 |
| Loan and lease loss provision to assets | 0.1697% | 1,229 |
| Net operating income to assets | 1.9464% | 395 |
| Return on assets (ROA) | 1.9464% | 412 |
| Pretax return on assets | 1.9516% | 664 |
| Return on Equity (ROE) | 19.1884% | 258 |
| Retained earnings to average equity (ytd only) | 11.1556% | 310 |
| Net charge-offs to loans | 0.3078% | 676 |
| Credit loss provision to net charge-offs | 67.3134% | 2,945 |
| Earnings coverage of net charge-offs (x) | 8.4124% | 2,777 |
| Efficiency ratio | 71.8501% | 1,889 |
| Assets per employee ($millions) | 2.7146% | 4,935 |
| Cash dividends to net income (ytd only)* | 41.8627% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 1,467 |
| Loan loss allowance to noncurrent loans | 128.9082% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.9697% | 1,294 |
| Noncurrent loans to loans | 1.0986% | 1,375 |
| Net loans and leases to total assets | 82.2583% | 524 |
| Net loans and leases to deposits | 93.5211% | 1,200 |
| Net loans and leases to core deposits | 103.9199% | 1,233 |
| Total domestic deposits to total assets | 87.9570% | 1,143 |
| Equity capital to assets | 10.6433% | 3,316 |
| Core capital (leverage) ratio | 10.3526% | 3,133 |
| Tier 1 risk-based capital ratio | 12.3283% | 4,174 |
| Total risk-based capital ratio | 13.5802% | 4,037 |
| Memoranda: | ||
| Average total assets | $797,106,200 | 973 |
| Average earning assets | $739,028,000 | 973 |
| Average equity | $80,856,000 | 1,079 |
| Average total loans | $653,113,600 | 849 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9876% | 70 |
| Cost of funding earning assets | 1.0908% | 1,390 |
| Net interest margin | 5.8968% | 70 |
| Noninterest income to average assets | 2.2837% | 219 |
| Noninterest expense to average assets | 5.6116% | 150 |
| Loan and lease loss provision to assets | 0.1530% | 1,228 |
| Net operating income to assets | 1.9785% | 413 |
| Return on assets (ROA) | 1.9785% | 434 |
| Pretax return on assets | 1.9838% | 714 |
| Return on Equity (ROE) | 19.7541% | 268 |
| Retained earnings to average equity (ytd only) | 8.8477% | 1,087 |
| Net charge-offs to loans | 0.3463% | 487 |
| Credit loss provision to net charge-offs | 54.1989% | 2,752 |
| Earnings coverage of net charge-offs (x) | 7.5676% | 2,731 |
| Efficiency ratio | 71.9315% | 1,843 |
| Assets per employee ($millions) | 2.6555% | 5,029 |
| Cash dividends to net income (ytd only)* | 55.2108% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 1,438 |
| Loan loss allowance to noncurrent loans | 111.0981% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.1927% | 1,061 |
| Noncurrent loans to loans | 1.2921% | 1,196 |
| Net loans and leases to total assets | 80.6203% | 758 |
| Net loans and leases to deposits | 91.4063% | 1,514 |
| Net loans and leases to core deposits | 101.5306% | 1,544 |
| Total domestic deposits to total assets | 88.2000% | 952 |
| Equity capital to assets | 10.2312% | 3,792 |
| Core capital (leverage) ratio | 10.0015% | 3,645 |
| Tier 1 risk-based capital ratio | 12.2232% | 4,300 |
| Total risk-based capital ratio | 13.4757% | 4,178 |
| Memoranda: | ||
| Average total assets | $792,787,250 | 982 |
| Average earning assets | $734,707,250 | 975 |
| Average equity | $79,400,750 | 1,094 |
| Average total loans | $646,512,000 | 858 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9560% | 73 |
| Cost of funding earning assets | 1.0613% | 1,446 |
| Net interest margin | 5.8948% | 72 |
| Noninterest income to average assets | 2.1200% | 242 |
| Noninterest expense to average assets | 5.4806% | 165 |
| Loan and lease loss provision to assets | 0.1550% | 1,174 |
| Net operating income to assets | 1.9457% | 429 |
| Return on assets (ROA) | 1.9447% | 451 |
| Pretax return on assets | 1.9513% | 755 |
| Return on Equity (ROE) | 19.5615% | 282 |
| Retained earnings to average equity (ytd only) | 6.4234% | 2,092 |
| Net charge-offs to loans | 0.3656% | 455 |
| Credit loss provision to net charge-offs | 52.0478% | 2,463 |
| Earnings coverage of net charge-offs (x) | 7.0759% | 2,518 |
| Efficiency ratio | 71.7223% | 1,957 |
| Assets per employee ($millions) | 2.5530% | 5,102 |
| Cash dividends to net income (ytd only)* | 67.1632% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 1,251 |
| Loan loss allowance to noncurrent loans | 104.4165% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.2815% | 1,004 |
| Noncurrent loans to loans | 1.4449% | 1,068 |
| Net loans and leases to total assets | 79.3834% | 987 |
| Net loans and leases to deposits | 89.5766% | 1,786 |
| Net loans and leases to core deposits | 99.3704% | 1,777 |
| Total domestic deposits to total assets | 88.6206% | 819 |
| Equity capital to assets | 10.0143% | 3,966 |
| Core capital (leverage) ratio | 9.7441% | 3,889 |
| Tier 1 risk-based capital ratio | 12.0450% | 4,390 |
| Total risk-based capital ratio | 13.2981% | 4,274 |
| Memoranda: | ||
| Average total assets | $787,072,330 | 990 |
| Average earning assets | $730,069,670 | 988 |
| Average equity | $78,245,670 | 1,104 |
| Average total loans | $641,189,330 | 868 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7637% | 91 |
| Cost of funding earning assets | 1.0141% | 1,509 |
| Net interest margin | 5.7495% | 85 |
| Noninterest income to average assets | 1.9752% | 251 |
| Noninterest expense to average assets | 5.3614% | 171 |
| Loan and lease loss provision to assets | 0.1588% | 1,066 |
| Net operating income to assets | 1.7858% | 598 |
| Return on assets (ROA) | 1.7837% | 617 |
| Pretax return on assets | 1.7868% | 1,003 |
| Return on Equity (ROE) | 18.0099% | 399 |
| Retained earnings to average equity (ytd only) | 4.5710% | 3,100 |
| Net charge-offs to loans | 0.4946% | 306 |
| Credit loss provision to net charge-offs | 39.1909% | 2,037 |
| Earnings coverage of net charge-offs (x) | 4.8078% | 2,300 |
| Efficiency ratio | 72.8279% | 1,907 |
| Assets per employee ($millions) | 2.5807% | 5,159 |
| Cash dividends to net income (ytd only)* | 74.6196% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 1,232 |
| Loan loss allowance to noncurrent loans | 76.0733% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.7457% | 622 |
| Noncurrent loans to loans | 2.0142% | 735 |
| Net loans and leases to total assets | 79.4802% | 911 |
| Net loans and leases to deposits | 89.2612% | 1,717 |
| Net loans and leases to core deposits | 99.3056% | 1,681 |
| Total domestic deposits to total assets | 89.0422% | 838 |
| Equity capital to assets | 9.8373% | 3,979 |
| Core capital (leverage) ratio | 9.7714% | 3,842 |
| Tier 1 risk-based capital ratio | 11.9767% | 4,472 |
| Total risk-based capital ratio | 13.2303% | 4,362 |
| Memoranda: | ||
| Average total assets | $781,069,500 | 996 |
| Average earning assets | $724,578,500 | 991 |
| Average equity | $77,357,500 | 1,106 |
| Average total loans | $639,758,000 | 871 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0155% | 65 |
| Cost of funding earning assets | 0.7243% | 1,932 |
| Net interest margin | 6.2912% | 59 |
| Noninterest income to average assets | 2.6755% | 180 |
| Noninterest expense to average assets | 5.9844% | 133 |
| Loan and lease loss provision to assets | 0.2078% | 900 |
| Net operating income to assets | 2.3126% | 214 |
| Return on assets (ROA) | 2.3129% | 201 |
| Pretax return on assets | 2.3172% | 290 |
| Return on Equity (ROE) | 22.0729% | 153 |
| Retained earnings to average equity (ytd only) | 11.9971% | 322 |
| Net charge-offs to loans | 0.0508% | 2,427 |
| Credit loss provision to net charge-offs | 465.5844% | 738 |
| Earnings coverage of net charge-offs (x) | 56.5552% | 1,060 |
| Efficiency ratio | 69.8980% | 2,202 |
| Assets per employee ($millions) | 2.3983% | 5,239 |
| Cash dividends to net income (ytd only)* | 45.6477% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 1,019 |
| Loan loss allowance to noncurrent loans | 80.7414% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 1.7785% | 584 |
| Noncurrent loans to loans | 1.9893% | 680 |
| Net loans and leases to total assets | 81.7983% | 679 |
| Net loans and leases to deposits | 92.0218% | 1,555 |
| Net loans and leases to core deposits | 106.8811% | 1,201 |
| Total domestic deposits to total assets | 88.8901% | 905 |
| Equity capital to assets | 9.9727% | 3,707 |
| Core capital (leverage) ratio | 9.9518% | 3,644 |
| Tier 1 risk-based capital ratio | 11.9674% | 4,445 |
| Total risk-based capital ratio | 13.2223% | 4,337 |
| Memoranda: | ||
| Average total assets | $689,921,800 | 1,071 |
| Average earning assets | $639,755,000 | 1,064 |
| Average equity | $72,292,200 | 1,126 |
| Average total loans | $606,004,400 | 887 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0557% | 63 |
| Cost of funding earning assets | 0.6503% | 2,149 |
| Net interest margin | 6.4054% | 54 |
| Noninterest income to average assets | 3.0772% | 157 |
| Noninterest expense to average assets | 5.8774% | 139 |
| Loan and lease loss provision to assets | 0.2512% | 627 |
| Net operating income to assets | 2.8848% | 91 |
| Return on assets (ROA) | 2.8848% | 90 |
| Pretax return on assets | 2.8888% | 127 |
| Return on Equity (ROE) | 27.1545% | 55 |
| Retained earnings to average equity (ytd only) | 13.5089% | 301 |
| Net charge-offs to loans | 0.0542% | 2,042 |
| Credit loss provision to net charge-offs | 519.3416% | 678 |
| Earnings coverage of net charge-offs (x) | 64.9263% | 1,006 |
| Efficiency ratio | 64.7862% | 3,056 |
| Assets per employee ($millions) | 2.1122% | 5,366 |
| Cash dividends to net income (ytd only)* | 50.2518% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 1,091 |
| Loan loss allowance to noncurrent loans | 195.6722% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.8109% | 1,821 |
| Noncurrent loans to loans | 0.8155% | 2,073 |
| Net loans and leases to total assets | 86.3415% | 234 |
| Net loans and leases to deposits | 97.9907% | 951 |
| Net loans and leases to core deposits | 108.6353% | 1,121 |
| Total domestic deposits to total assets | 88.1119% | 1,195 |
| Equity capital to assets | 10.3323% | 3,300 |
| Core capital (leverage) ratio | 10.2892% | 3,301 |
| Tier 1 risk-based capital ratio | 11.8525% | 4,578 |
| Total risk-based capital ratio | 13.1073% | 4,464 |
| Memoranda: | ||
| Average total assets | $669,936,750 | 1,095 |
| Average earning assets | $621,271,250 | 1,085 |
| Average equity | $71,171,250 | 1,144 |
| Average total loans | $597,502,000 | 897 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9630% | 66 |
| Cost of funding earning assets | 0.6184% | 2,121 |
| Net interest margin | 6.3446% | 58 |
| Noninterest income to average assets | 3.4550% | 136 |
| Noninterest expense to average assets | 5.7319% | 153 |
| Loan and lease loss provision to assets | 0.3152% | 438 |
| Net operating income to assets | 3.2913% | 65 |
| Return on assets (ROA) | 3.2913% | 65 |
| Pretax return on assets | 3.2953% | 85 |
| Return on Equity (ROE) | 30.6681% | 35 |
| Retained earnings to average equity (ytd only) | 13.2531% | 347 |
| Net charge-offs to loans | 0.0815% | 1,512 |
| Credit loss provision to net charge-offs | 431.0924% | 778 |
| Earnings coverage of net charge-offs (x) | 49.3824% | 1,135 |
| Efficiency ratio | 61.0187% | 3,763 |
| Assets per employee ($millions) | 2.1211% | 5,430 |
| Cash dividends to net income (ytd only)* | 56.7855% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 1,123 |
| Loan loss allowance to noncurrent loans | 199.4783% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7945% | 1,887 |
| Noncurrent loans to loans | 0.8002% | 2,129 |
| Net loans and leases to total assets | 87.5593% | 163 |
| Net loans and leases to deposits | 99.4385% | 845 |
| Net loans and leases to core deposits | 105.9240% | 1,247 |
| Total domestic deposits to total assets | 88.0537% | 1,347 |
| Equity capital to assets | 10.3894% | 3,219 |
| Core capital (leverage) ratio | 10.1817% | 3,381 |
| Tier 1 risk-based capital ratio | 11.8430% | 4,593 |
| Total risk-based capital ratio | 13.0981% | 4,475 |
| Memoranda: | ||
| Average total assets | $651,053,670 | 1,123 |
| Average earning assets | $604,139,330 | 1,110 |
| Average equity | $69,870,670 | 1,162 |
| Average total loans | $584,163,330 | 918 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9808% | 59 |
| Cost of funding earning assets | 0.6125% | 1,961 |
| Net interest margin | 6.3683% | 50 |
| Noninterest income to average assets | 2.2764% | 227 |
| Noninterest expense to average assets | 5.5819% | 168 |
| Loan and lease loss provision to assets | 0.3160% | 406 |
| Net operating income to assets | 2.2994% | 206 |
| Return on assets (ROA) | 2.2994% | 206 |
| Pretax return on assets | 2.2988% | 321 |
| Return on Equity (ROE) | 21.0506% | 195 |
| Retained earnings to average equity (ytd only) | 0.9818% | 4,634 |
| Net charge-offs to loans | 0.1926% | 765 |
| Credit loss provision to net charge-offs | 181.9853% | 1,108 |
| Earnings coverage of net charge-offs (x) | 15.0588% | 1,682 |
| Efficiency ratio | 67.7414% | 2,874 |
| Assets per employee ($millions) | 2.0805% | 5,497 |
| Cash dividends to net income (ytd only)* | 95.3359% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6576% | 1,036 |
| Loan loss allowance to noncurrent loans | 251.3267% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.6428% | 2,390 |
| Noncurrent loans to loans | 0.6595% | 2,573 |
| Net loans and leases to total assets | 89.1333% | 86 |
| Net loans and leases to deposits | 107.8794% | 320 |
| Net loans and leases to core deposits | 125.9268% | 424 |
| Total domestic deposits to total assets | 82.6231% | 3,781 |
| Equity capital to assets | 10.9521% | 2,632 |
| Core capital (leverage) ratio | 10.9101% | 2,532 |
| Tier 1 risk-based capital ratio | 12.2557% | 4,402 |
| Total risk-based capital ratio | 13.5113% | 4,293 |
| Memoranda: | ||
| Average total assets | $626,593,500 | 1,172 |
| Average earning assets | $582,513,000 | 1,165 |
| Average equity | $68,444,500 | 1,189 |
| Average total loans | $564,828,000 | 949 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7384% | 64 |
| Cost of funding earning assets | 0.5216% | 2,165 |
| Net interest margin | 6.2168% | 58 |
| Noninterest income to average assets | 2.7240% | 197 |
| Noninterest expense to average assets | 5.9004% | 149 |
| Loan and lease loss provision to assets | 0.2697% | 668 |
| Net operating income to assets | 2.3227% | 156 |
| Return on assets (ROA) | 2.3227% | 155 |
| Pretax return on assets | 2.3287% | 251 |
| Return on Equity (ROE) | 21.3924% | 147 |
| Retained earnings to average equity (ytd only) | 10.3171% | 313 |
| Net charge-offs to loans | 0.2756% | 952 |
| Credit loss provision to net charge-offs | 108.8356% | 2,393 |
| Earnings coverage of net charge-offs (x) | 10.4842% | 2,672 |
| Efficiency ratio | 69.0548% | 2,687 |
| Assets per employee ($millions) | 2.1616% | 5,547 |
| Cash dividends to net income (ytd only)* | 51.7723% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6232% | 1,090 |
| Loan loss allowance to noncurrent loans | 193.5716% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 1,940 |
| Noncurrent loans to loans | 0.8386% | 2,126 |
| Net loans and leases to total assets | 88.1982% | 127 |
| Net loans and leases to deposits | 110.1821% | 264 |
| Net loans and leases to core deposits | 128.8346% | 368 |
| Total domestic deposits to total assets | 80.0477% | 4,326 |
| Equity capital to assets | 10.8946% | 2,737 |
| Core capital (leverage) ratio | 10.9480% | 2,386 |
| Tier 1 risk-based capital ratio | 12.2912% | 4,337 |
| Total risk-based capital ratio | 13.5464% | 4,241 |
| Memoranda: | ||
| Average total assets | $589,094,200 | 1,215 |
| Average earning assets | $547,207,400 | 1,212 |
| Average equity | $63,962,000 | 1,237 |
| Average total loans | $529,842,000 | 966 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6609% | 67 |
| Cost of funding earning assets | 0.5009% | 2,253 |
| Net interest margin | 6.1599% | 62 |
| Noninterest income to average assets | 2.6193% | 219 |
| Noninterest expense to average assets | 5.9264% | 157 |
| Loan and lease loss provision to assets | 0.2314% | 785 |
| Net operating income to assets | 2.1812% | 221 |
| Return on assets (ROA) | 2.1812% | 225 |
| Pretax return on assets | 2.1863% | 377 |
| Return on Equity (ROE) | 20.1077% | 216 |
| Retained earnings to average equity (ytd only) | 5.0726% | 2,840 |
| Net charge-offs to loans | 0.3333% | 630 |
| Credit loss provision to net charge-offs | 77.1297% | 2,625 |
| Earnings coverage of net charge-offs (x) | 8.0591% | 2,820 |
| Efficiency ratio | 70.6418% | 2,426 |
| Assets per employee ($millions) | 2.2176% | 5,594 |
| Cash dividends to net income (ytd only)* | 74.7731% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 1,321 |
| Loan loss allowance to noncurrent loans | 234.7499% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.6601% | 2,529 |
| Noncurrent loans to loans | 0.6664% | 2,702 |
| Net loans and leases to total assets | 88.4533% | 136 |
| Net loans and leases to deposits | 109.2756% | 305 |
| Net loans and leases to core deposits | 133.2005% | 292 |
| Total domestic deposits to total assets | 80.9451% | 4,061 |
| Equity capital to assets | 10.4135% | 3,463 |
| Core capital (leverage) ratio | 10.6812% | 2,784 |
| Tier 1 risk-based capital ratio | 11.5502% | 4,927 |
| Total risk-based capital ratio | 12.8045% | 4,812 |
| Memoranda: | ||
| Average total assets | $579,111,500 | 1,242 |
| Average earning assets | $538,195,000 | 1,235 |
| Average equity | $62,820,000 | 1,267 |
| Average total loans | $521,316,750 | 985 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5795% | 72 |
| Cost of funding earning assets | 0.4865% | 2,280 |
| Net interest margin | 6.0930% | 68 |
| Noninterest income to average assets | 2.5012% | 225 |
| Noninterest expense to average assets | 5.9182% | 159 |
| Loan and lease loss provision to assets | 0.2081% | 862 |
| Net operating income to assets | 2.0252% | 292 |
| Return on assets (ROA) | 2.0252% | 303 |
| Pretax return on assets | 2.0305% | 504 |
| Return on Equity (ROE) | 18.4000% | 301 |
| Retained earnings to average equity (ytd only) | 1.0095% | 4,836 |
| Net charge-offs to loans | 0.4753% | 418 |
| Credit loss provision to net charge-offs | 48.5950% | 2,581 |
| Earnings coverage of net charge-offs (x) | 5.2281% | 2,846 |
| Efficiency ratio | 72.3037% | 2,289 |
| Assets per employee ($millions) | 2.1333% | 5,655 |
| Cash dividends to net income (ytd only)* | 94.5134% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 1,276 |
| Loan loss allowance to noncurrent loans | 288.1687% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.5893% | 2,806 |
| Noncurrent loans to loans | 0.5526% | 3,080 |
| Net loans and leases to total assets | 88.5192% | 125 |
| Net loans and leases to deposits | 104.9395% | 447 |
| Net loans and leases to core deposits | 123.9492% | 440 |
| Total domestic deposits to total assets | 84.3526% | 3,064 |
| Equity capital to assets | 10.6809% | 3,144 |
| Core capital (leverage) ratio | 10.6497% | 2,761 |
| Tier 1 risk-based capital ratio | 12.0706% | 4,591 |
| Total risk-based capital ratio | 13.3258% | 4,456 |
| Memoranda: | ||
| Average total assets | $565,174,330 | 1,274 |
| Average earning assets | $524,601,330 | 1,267 |
| Average equity | $62,206,670 | 1,280 |
| Average total loans | $509,104,000 | 1,001 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5756% | 77 |
| Cost of funding earning assets | 0.4622% | 2,412 |
| Net interest margin | 6.1134% | 71 |
| Noninterest income to average assets | 2.2365% | 271 |
| Noninterest expense to average assets | 5.9614% | 164 |
| Loan and lease loss provision to assets | 0.1991% | 830 |
| Net operating income to assets | 1.7401% | 511 |
| Return on assets (ROA) | 1.7401% | 516 |
| Pretax return on assets | 1.7445% | 911 |
| Return on Equity (ROE) | 15.5607% | 583 |
| Retained earnings to average equity (ytd only) | -2.7870% | 5,246 |
| Net charge-offs to loans | 0.5010% | 366 |
| Credit loss provision to net charge-offs | 44.0895% | 2,034 |
| Earnings coverage of net charge-offs (x) | 4.3035% | 2,401 |
| Efficiency ratio | 75.1483% | 2,043 |
| Assets per employee ($millions) | 2.1088% | 5,721 |
| Cash dividends to net income (ytd only)* | 117.9104% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7195% | 1,105 |
| Loan loss allowance to noncurrent loans | 292.0875% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 2,617 |
| Noncurrent loans to loans | 0.5887% | 3,045 |
| Net loans and leases to total assets | 88.7255% | 91 |
| Net loans and leases to deposits | 101.0784% | 545 |
| Net loans and leases to core deposits | 110.4390% | 859 |
| Total domestic deposits to total assets | 87.7789% | 1,840 |
| Equity capital to assets | 11.0630% | 2,569 |
| Core capital (leverage) ratio | 10.9048% | 2,469 |
| Tier 1 risk-based capital ratio | 12.2646% | 4,532 |
| Total risk-based capital ratio | 13.5211% | 4,429 |
| Memoranda: | ||
| Average total assets | $554,438,000 | 1,294 |
| Average earning assets | $514,081,500 | 1,286 |
| Average equity | $62,002,500 | 1,278 |
| Average total loans | $499,807,000 | 1,017 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4459% | 70 |
| Cost of funding earning assets | 0.3719% | 3,299 |
| Net interest margin | 6.0739% | 65 |
| Noninterest income to average assets | 2.5637% | 245 |
| Noninterest expense to average assets | 5.9796% | 168 |
| Loan and lease loss provision to assets | 0.1827% | 1,301 |
| Net operating income to assets | 2.0060% | 312 |
| Return on assets (ROA) | 2.0064% | 331 |
| Pretax return on assets | 2.0161% | 480 |
| Return on Equity (ROE) | 18.5710% | 287 |
| Retained earnings to average equity (ytd only) | 9.9147% | 418 |
| Net charge-offs to loans | 0.2641% | 1,049 |
| Credit loss provision to net charge-offs | 77.5969% | 3,010 |
| Earnings coverage of net charge-offs (x) | 9.3388% | 2,761 |
| Efficiency ratio | 72.8595% | 2,445 |
| Assets per employee ($millions) | 2.0678% | 5,785 |
| Cash dividends to net income (ytd only)* | 46.6121% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8229% | 912 |
| Loan loss allowance to noncurrent loans | 261.9739% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 2,375 |
| Noncurrent loans to loans | 0.6958% | 2,803 |
| Net loans and leases to total assets | 88.3725% | 116 |
| Net loans and leases to deposits | 105.9984% | 344 |
| Net loans and leases to core deposits | 125.1544% | 363 |
| Total domestic deposits to total assets | 83.3715% | 3,640 |
| Equity capital to assets | 11.3048% | 2,322 |
| Core capital (leverage) ratio | 11.1961% | 2,171 |
| Tier 1 risk-based capital ratio | 12.7307% | 4,256 |
| Total risk-based capital ratio | 13.9888% | 4,133 |
| Memoranda: | ||
| Average total assets | $547,999,000 | 1,263 |
| Average earning assets | $506,526,400 | 1,264 |
| Average equity | $59,205,200 | 1,301 |
| Average total loans | $488,397,200 | 991 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4509% | 72 |
| Cost of funding earning assets | 0.3681% | 3,351 |
| Net interest margin | 6.0828% | 64 |
| Noninterest income to average assets | 2.6735% | 240 |
| Noninterest expense to average assets | 6.0490% | 164 |
| Loan and lease loss provision to assets | 0.2194% | 948 |
| Net operating income to assets | 2.0169% | 333 |
| Return on assets (ROA) | 2.0169% | 345 |
| Pretax return on assets | 2.0271% | 538 |
| Return on Equity (ROE) | 18.8883% | 301 |
| Retained earnings to average equity (ytd only) | 7.2000% | 1,530 |
| Net charge-offs to loans | 0.2452% | 957 |
| Credit loss provision to net charge-offs | 100.6704% | 2,339 |
| Earnings coverage of net charge-offs (x) | 10.3073% | 2,584 |
| Efficiency ratio | 72.6632% | 2,478 |
| Assets per employee ($millions) | 2.0152% | 5,860 |
| Cash dividends to net income (ytd only)* | 61.8812% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 823 |
| Loan loss allowance to noncurrent loans | 408.2348% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7566% | 2,660 |
| Noncurrent loans to loans | 0.4717% | 3,601 |
| Net loans and leases to total assets | 88.2108% | 122 |
| Net loans and leases to deposits | 102.6202% | 532 |
| Net loans and leases to core deposits | 120.6065% | 488 |
| Total domestic deposits to total assets | 85.9585% | 2,383 |
| Equity capital to assets | 11.1573% | 2,844 |
| Core capital (leverage) ratio | 10.8272% | 2,651 |
| Tier 1 risk-based capital ratio | 12.4377% | 4,516 |
| Total risk-based capital ratio | 13.6971% | 4,404 |
| Memoranda: | ||
| Average total assets | $547,490,750 | 1,267 |
| Average earning assets | $506,026,500 | 1,270 |
| Average equity | $58,461,500 | 1,330 |
| Average total loans | $486,721,000 | 999 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4129% | 78 |
| Cost of funding earning assets | 0.3684% | 3,372 |
| Net interest margin | 6.0446% | 69 |
| Noninterest income to average assets | 2.7260% | 230 |
| Noninterest expense to average assets | 6.0084% | 169 |
| Loan and lease loss provision to assets | 0.2208% | 943 |
| Net operating income to assets | 2.0689% | 295 |
| Return on assets (ROA) | 2.0689% | 310 |
| Pretax return on assets | 2.0816% | 484 |
| Return on Equity (ROE) | 19.6626% | 257 |
| Retained earnings to average equity (ytd only) | 5.7959% | 2,238 |
| Net charge-offs to loans | 0.2346% | 1,003 |
| Credit loss provision to net charge-offs | 106.2937% | 2,013 |
| Earnings coverage of net charge-offs (x) | 11.0822% | 2,284 |
| Efficiency ratio | 72.0423% | 2,646 |
| Assets per employee ($millions) | 2.0102% | 5,937 |
| Cash dividends to net income (ytd only)* | 70.5232% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9496% | 818 |
| Loan loss allowance to noncurrent loans | 293.6264% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.9306% | 2,289 |
| Noncurrent loans to loans | 0.6640% | 3,079 |
| Net loans and leases to total assets | 86.6560% | 206 |
| Net loans and leases to deposits | 98.2704% | 861 |
| Net loans and leases to core deposits | 115.2466% | 667 |
| Total domestic deposits to total assets | 88.1811% | 1,334 |
| Equity capital to assets | 10.8051% | 3,279 |
| Core capital (leverage) ratio | 10.3411% | 3,145 |
| Tier 1 risk-based capital ratio | 12.1230% | 4,760 |
| Total risk-based capital ratio | 13.3823% | 4,665 |
| Memoranda: | ||
| Average total assets | $550,631,000 | 1,264 |
| Average earning assets | $508,755,000 | 1,265 |
| Average equity | $57,937,330 | 1,344 |
| Average total loans | $487,642,670 | 1,001 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3762% | 83 |
| Cost of funding earning assets | 0.3692% | 3,409 |
| Net interest margin | 6.0070% | 65 |
| Noninterest income to average assets | 2.6724% | 234 |
| Noninterest expense to average assets | 6.0920% | 172 |
| Loan and lease loss provision to assets | 0.1630% | 1,271 |
| Net operating income to assets | 1.9504% | 365 |
| Return on assets (ROA) | 1.9504% | 387 |
| Pretax return on assets | 1.9684% | 608 |
| Return on Equity (ROE) | 18.7833% | 308 |
| Retained earnings to average equity (ytd only) | 9.4264% | 992 |
| Net charge-offs to loans | 0.1025% | 1,511 |
| Credit loss provision to net charge-offs | 179.3651% | 1,152 |
| Earnings coverage of net charge-offs (x) | 23.4524% | 1,365 |
| Efficiency ratio | 73.8269% | 2,507 |
| Assets per employee ($millions) | 2.0535% | 5,986 |
| Cash dividends to net income (ytd only)* | 49.8151% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9371% | 915 |
| Loan loss allowance to noncurrent loans | 148.2134% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.2382% | 1,758 |
| Noncurrent loans to loans | 1.3069% | 1,839 |
| Net loans and leases to total assets | 85.9760% | 218 |
| Net loans and leases to deposits | 97.0604% | 837 |
| Net loans and leases to core deposits | 103.0477% | 1,259 |
| Total domestic deposits to total assets | 88.5799% | 1,316 |
| Equity capital to assets | 10.5210% | 3,468 |
| Core capital (leverage) ratio | 10.1862% | 3,332 |
| Tier 1 risk-based capital ratio | 11.8218% | 5,037 |
| Total risk-based capital ratio | 13.0809% | 4,931 |
| Memoranda: | ||
| Average total assets | $554,566,500 | 1,265 |
| Average earning assets | $512,470,000 | 1,261 |
| Average equity | $57,583,000 | 1,347 |
| Average total loans | $491,621,000 | 989 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2423% | 102 |
| Cost of funding earning assets | 0.3564% | 3,633 |
| Net interest margin | 5.8859% | 76 |
| Noninterest income to average assets | 4.0682% | 154 |
| Noninterest expense to average assets | 6.7563% | 146 |
| Loan and lease loss provision to assets | 0.3599% | 399 |
| Net operating income to assets | 2.3868% | 178 |
| Return on assets (ROA) | 2.3868% | 184 |
| Pretax return on assets | 2.4091% | 237 |
| Return on Equity (ROE) | 26.1494% | 87 |
| Retained earnings to average equity (ytd only) | 5.3206% | 2,195 |
| Net charge-offs to loans | 0.1056% | 2,338 |
| Credit loss provision to net charge-offs | 380.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 29.2354% | 1,480 |
| Efficiency ratio | 70.7261% | 3,106 |
| Assets per employee ($millions) | 1.9463% | 6,058 |
| Cash dividends to net income (ytd only)* | 79.6530% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8737% | 1,001 |
| Loan loss allowance to noncurrent loans | 177.0913% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1446% | 1,908 |
| Noncurrent loans to loans | 1.0580% | 2,220 |
| Net loans and leases to total assets | 87.9452% | 127 |
| Net loans and leases to deposits | 99.9424% | 678 |
| Net loans and leases to core deposits | 115.4108% | 619 |
| Total domestic deposits to total assets | 87.9958% | 1,636 |
| Equity capital to assets | 10.2459% | 3,686 |
| Core capital (leverage) ratio | 9.9327% | 3,604 |
| Tier 1 risk-based capital ratio | 11.4147% | 5,304 |
| Total risk-based capital ratio | 12.6733% | 5,198 |
| Memoranda: | ||
| Average total assets | $596,536,400 | 1,142 |
| Average earning assets | $553,085,600 | 1,140 |
| Average equity | $54,448,600 | 1,373 |
| Average total loans | $535,244,600 | 877 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2969% | 93 |
| Cost of funding earning assets | 0.3546% | 3,699 |
| Net interest margin | 5.9423% | 76 |
| Noninterest income to average assets | 4.4696% | 144 |
| Noninterest expense to average assets | 6.9582% | 149 |
| Loan and lease loss provision to assets | 0.3728% | 346 |
| Net operating income to assets | 2.6343% | 137 |
| Return on assets (ROA) | 2.6343% | 143 |
| Pretax return on assets | 2.6561% | 188 |
| Return on Equity (ROE) | 29.6929% | 57 |
| Retained earnings to average equity (ytd only) | 1.6143% | 5,057 |
| Net charge-offs to loans | 0.0663% | 2,627 |
| Credit loss provision to net charge-offs | 626.1993% | 541 |
| Earnings coverage of net charge-offs (x) | 50.8825% | 1,033 |
| Efficiency ratio | 69.4812% | 3,296 |
| Assets per employee ($millions) | 1.9252% | 6,148 |
| Cash dividends to net income (ytd only)* | 94.5635% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8777% | 1,121 |
| Loan loss allowance to noncurrent loans | 322.2730% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 3,332 |
| Noncurrent loans to loans | 0.5826% | 3,585 |
| Net loans and leases to total assets | 86.6240% | 197 |
| Net loans and leases to deposits | 97.5836% | 852 |
| Net loans and leases to core deposits | 112.9849% | 708 |
| Total domestic deposits to total assets | 88.7690% | 1,143 |
| Equity capital to assets | 9.8833% | 4,297 |
| Core capital (leverage) ratio | 9.2353% | 4,685 |
| Tier 1 risk-based capital ratio | 11.1063% | 5,605 |
| Total risk-based capital ratio | 12.3650% | 5,487 |
| Memoranda: | ||
| Average total assets | $606,996,000 | 1,129 |
| Average earning assets | $563,608,250 | 1,113 |
| Average equity | $53,852,250 | 1,393 |
| Average total loans | $544,769,500 | 866 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1345% | 113 |
| Cost of funding earning assets | 0.3451% | 3,868 |
| Net interest margin | 5.7894% | 86 |
| Noninterest income to average assets | 4.7288% | 138 |
| Noninterest expense to average assets | 6.9641% | 150 |
| Loan and lease loss provision to assets | 0.4383% | 247 |
| Net operating income to assets | 2.6749% | 133 |
| Return on assets (ROA) | 2.6749% | 139 |
| Pretax return on assets | 2.7043% | 188 |
| Return on Equity (ROE) | 31.1976% | 55 |
| Retained earnings to average equity (ytd only) | -2.9739% | 5,923 |
| Net charge-offs to loans | 0.0259% | 3,166 |
| Credit loss provision to net charge-offs | 1,876.7123% | 204 |
| Earnings coverage of net charge-offs (x) | 134.5616% | 472 |
| Efficiency ratio | 68.7221% | 3,552 |
| Assets per employee ($millions) | 1.7889% | 6,240 |
| Cash dividends to net income (ytd only)* | 109.5324% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 1,749 |
| Loan loss allowance to noncurrent loans | 760.8256% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 4,771 |
| Noncurrent loans to loans | 0.2168% | 4,907 |
| Net loans and leases to total assets | 88.8123% | 103 |
| Net loans and leases to deposits | 106.4317% | 362 |
| Net loans and leases to core deposits | 124.3312% | 369 |
| Total domestic deposits to total assets | 83.4454% | 3,779 |
| Equity capital to assets | 8.7519% | 5,482 |
| Core capital (leverage) ratio | 8.4161% | 5,614 |
| Tier 1 risk-based capital ratio | 10.4726% | 5,935 |
| Total risk-based capital ratio | 11.7303% | 5,873 |
| Memoranda: | ||
| Average total assets | $625,152,670 | 1,102 |
| Average earning assets | $580,716,000 | 1,085 |
| Average equity | $53,600,330 | 1,407 |
| Average total loans | $563,766,330 | 837 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0578% | 121 |
| Cost of funding earning assets | 0.3373% | 4,009 |
| Net interest margin | 5.7205% | 89 |
| Noninterest income to average assets | 4.4652% | 144 |
| Noninterest expense to average assets | 6.7694% | 155 |
| Loan and lease loss provision to assets | 0.4728% | 224 |
| Net operating income to assets | 2.5109% | 151 |
| Return on assets (ROA) | 2.5109% | 162 |
| Pretax return on assets | 2.5374% | 228 |
| Return on Equity (ROE) | 29.5790% | 61 |
| Retained earnings to average equity (ytd only) | -2.8666% | 5,778 |
| Net charge-offs to loans | 0.0049% | 3,152 |
| Credit loss provision to net charge-offs | 10,714.2857% | 29 |
| Earnings coverage of net charge-offs (x) | 682.1429% | 67 |
| Efficiency ratio | 69.0324% | 3,651 |
| Assets per employee ($millions) | 1.3036% | 6,349 |
| Cash dividends to net income (ytd only)* | 109.6912% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 2,494 |
| Loan loss allowance to noncurrent loans | 551.9531% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 4,831 |
| Noncurrent loans to loans | 0.2695% | 4,816 |
| Net loans and leases to total assets | 88.8015% | 83 |
| Net loans and leases to deposits | 106.4417% | 298 |
| Net loans and leases to core deposits | 123.6494% | 336 |
| Total domestic deposits to total assets | 83.4274% | 4,034 |
| Equity capital to assets | 8.5003% | 5,744 |
| Core capital (leverage) ratio | 8.4731% | 5,543 |
| Tier 1 risk-based capital ratio | 10.4332% | 6,031 |
| Total risk-based capital ratio | 11.6891% | 5,987 |
| Memoranda: | ||
| Average total assets | $634,503,000 | 1,098 |
| Average earning assets | $589,459,500 | 1,079 |
| Average equity | $53,862,500 | 1,413 |
| Average total loans | $571,832,000 | 816 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7510% | 80 |
| Cost of funding earning assets | 0.3668% | 4,067 |
| Net interest margin | 6.3842% | 67 |
| Noninterest income to average assets | 4.1480% | 147 |
| Noninterest expense to average assets | 6.5621% | 157 |
| Loan and lease loss provision to assets | 0.4837% | 322 |
| Net operating income to assets | 2.9653% | 95 |
| Return on assets (ROA) | 2.9826% | 93 |
| Pretax return on assets | 3.0024% | 114 |
| Return on Equity (ROE) | 36.6331% | 28 |
| Retained earnings to average equity (ytd only) | 18.3386% | 82 |
| Net charge-offs to loans | 0.1478% | 2,553 |
| Credit loss provision to net charge-offs | 370.1044% | 709 |
| Earnings coverage of net charge-offs (x) | 26.5418% | 1,461 |
| Efficiency ratio | 65.2726% | 4,364 |
| Assets per employee ($millions) | 1.2942% | 6,438 |
| Cash dividends to net income (ytd only)* | 49.9399% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 3,180 |
| Loan loss allowance to noncurrent loans | 623.1265% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 4,928 |
| Noncurrent loans to loans | 0.2163% | 5,043 |
| Net loans and leases to total assets | 88.8889% | 90 |
| Net loans and leases to deposits | 110.0179% | 233 |
| Net loans and leases to core deposits | 123.9205% | 324 |
| Total domestic deposits to total assets | 80.7949% | 4,797 |
| Equity capital to assets | 8.4776% | 5,772 |
| Core capital (leverage) ratio | 8.5176% | 5,545 |
| Tier 1 risk-based capital ratio | 10.5354% | 6,088 |
| Total risk-based capital ratio | 11.7840% | 6,030 |
| Memoranda: | ||
| Average total assets | $586,157,200 | 1,130 |
| Average earning assets | $540,095,600 | 1,122 |
| Average equity | $47,724,600 | 1,511 |
| Average total loans | $518,131,600 | 859 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7271% | 80 |
| Cost of funding earning assets | 0.3754% | 4,071 |
| Net interest margin | 6.3518% | 70 |
| Noninterest income to average assets | 3.9034% | 152 |
| Noninterest expense to average assets | 6.4639% | 154 |
| Loan and lease loss provision to assets | 0.4101% | 409 |
| Net operating income to assets | 2.8451% | 104 |
| Return on assets (ROA) | 2.8688% | 101 |
| Pretax return on assets | 2.8911% | 128 |
| Return on Equity (ROE) | 35.6430% | 39 |
| Retained earnings to average equity (ytd only) | 10.4243% | 611 |
| Net charge-offs to loans | 0.1193% | 2,617 |
| Credit loss provision to net charge-offs | 391.1308% | 719 |
| Earnings coverage of net charge-offs (x) | 31.2571% | 1,335 |
| Efficiency ratio | 66.2180% | 4,186 |
| Assets per employee ($millions) | 1.2216% | 6,522 |
| Cash dividends to net income (ytd only)* | 70.7536% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 3,674 |
| Loan loss allowance to noncurrent loans | 588.2799% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 5,111 |
| Noncurrent loans to loans | 0.2199% | 5,243 |
| Net loans and leases to total assets | 87.8398% | 120 |
| Net loans and leases to deposits | 105.6859% | 340 |
| Net loans and leases to core deposits | 119.7516% | 400 |
| Total domestic deposits to total assets | 83.1141% | 4,096 |
| Equity capital to assets | 8.0412% | 6,111 |
| Core capital (leverage) ratio | 7.9133% | 6,124 |
| Tier 1 risk-based capital ratio | 10.0837% | 6,326 |
| Total risk-based capital ratio | 11.3319% | 6,289 |
| Memoranda: | ||
| Average total assets | $573,507,000 | 1,157 |
| Average earning assets | $527,104,750 | 1,156 |
| Average equity | $46,160,250 | 1,565 |
| Average total loans | $504,229,500 | 887 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7689% | 76 |
| Cost of funding earning assets | 0.3829% | 4,066 |
| Net interest margin | 6.3860% | 69 |
| Noninterest income to average assets | 3.5674% | 158 |
| Noninterest expense to average assets | 6.2609% | 165 |
| Loan and lease loss provision to assets | 0.3775% | 456 |
| Net operating income to assets | 2.7567% | 108 |
| Return on assets (ROA) | 2.7894% | 105 |
| Pretax return on assets | 2.8246% | 137 |
| Return on Equity (ROE) | 34.6447% | 42 |
| Retained earnings to average equity (ytd only) | 4.1849% | 3,505 |
| Net charge-offs to loans | 0.0885% | 2,801 |
| Credit loss provision to net charge-offs | 487.1560% | 605 |
| Earnings coverage of net charge-offs (x) | 40.8991% | 1,043 |
| Efficiency ratio | 66.2847% | 4,316 |
| Assets per employee ($millions) | 1.1998% | 6,596 |
| Cash dividends to net income (ytd only)* | 87.9205% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 4,097 |
| Loan loss allowance to noncurrent loans | 443.4605% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 4,980 |
| Noncurrent loans to loans | 0.2838% | 5,169 |
| Net loans and leases to total assets | 86.5304% | 151 |
| Net loans and leases to deposits | 101.8905% | 458 |
| Net loans and leases to core deposits | 114.2305% | 528 |
| Total domestic deposits to total assets | 84.9249% | 3,548 |
| Equity capital to assets | 7.7970% | 6,257 |
| Core capital (leverage) ratio | 7.7057% | 6,245 |
| Tier 1 risk-based capital ratio | 9.7884% | 6,453 |
| Total risk-based capital ratio | 11.0412% | 6,427 |
| Memoranda: | ||
| Average total assets | $562,699,330 | 1,186 |
| Average earning assets | $516,567,330 | 1,185 |
| Average equity | $45,305,670 | 1,579 |
| Average total loans | $492,564,330 | 904 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9125% | 73 |
| Cost of funding earning assets | 0.3922% | 4,061 |
| Net interest margin | 6.5203% | 64 |
| Noninterest income to average assets | 3.0023% | 184 |
| Noninterest expense to average assets | 6.0702% | 184 |
| Loan and lease loss provision to assets | 0.3840% | 440 |
| Net operating income to assets | 2.4150% | 167 |
| Return on assets (ROA) | 2.4150% | 179 |
| Pretax return on assets | 2.5563% | 209 |
| Return on Equity (ROE) | 29.4928% | 70 |
| Retained earnings to average equity (ytd only) | 5.2151% | 2,986 |
| Net charge-offs to loans | 0.1316% | 1,923 |
| Credit loss provision to net charge-offs | 333.5443% | 739 |
| Earnings coverage of net charge-offs (x) | 25.5380% | 1,148 |
| Efficiency ratio | 67.3676% | 4,302 |
| Assets per employee ($millions) | 1.1216% | 6,668 |
| Cash dividends to net income (ytd only)* | 82.3174% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 4,449 |
| Loan loss allowance to noncurrent loans | 234.0574% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 4,362 |
| Noncurrent loans to loans | 0.5282% | 4,590 |
| Net loans and leases to total assets | 86.3095% | 131 |
| Net loans and leases to deposits | 96.4756% | 622 |
| Net loans and leases to core deposits | 109.5619% | 600 |
| Total domestic deposits to total assets | 89.4625% | 1,384 |
| Equity capital to assets | 8.1334% | 5,954 |
| Core capital (leverage) ratio | 7.5630% | 6,315 |
| Tier 1 risk-based capital ratio | 10.2136% | 6,423 |
| Total risk-based capital ratio | 11.4661% | 6,386 |
| Memoranda: | ||
| Average total assets | $548,910,500 | 1,229 |
| Average earning assets | $505,805,500 | 1,220 |
| Average equity | $44,946,500 | 1,583 |
| Average total loans | $480,207,000 | 932 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3976% | 102 |
| Cost of funding earning assets | 0.4254% | 4,376 |
| Net interest margin | 5.9723% | 84 |
| Noninterest income to average assets | 2.3440% | 308 |
| Noninterest expense to average assets | 5.0133% | 345 |
| Loan and lease loss provision to assets | 0.4612% | 621 |
| Net operating income to assets | 2.3832% | 194 |
| Return on assets (ROA) | 2.3962% | 196 |
| Pretax return on assets | 2.3962% | 230 |
| Return on Equity (ROE) | 26.6546% | 107 |
| Retained earnings to average equity (ytd only) | 7.9295% | 1,078 |
| Net charge-offs to loans | 0.1465% | 3,337 |
| Credit loss provision to net charge-offs | 365.8206% | 626 |
| Earnings coverage of net charge-offs (x) | 22.5635% | 1,445 |
| Efficiency ratio | 63.8010% | 4,933 |
| Assets per employee ($millions) | 1.1647% | 6,747 |
| Cash dividends to net income (ytd only)* | 70.2510% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 4,663 |
| Loan loss allowance to noncurrent loans | 89.4380% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.3025% | 2,812 |
| Noncurrent loans to loans | 1.3411% | 2,897 |
| Net loans and leases to total assets | 86.5304% | 131 |
| Net loans and leases to deposits | 109.5626% | 179 |
| Net loans and leases to core deposits | 127.5400% | 222 |
| Total domestic deposits to total assets | 78.9781% | 5,656 |
| Equity capital to assets | 8.2451% | 5,827 |
| Core capital (leverage) ratio | 9.0557% | 4,922 |
| Tier 1 risk-based capital ratio | 11.1815% | 6,086 |
| Total risk-based capital ratio | 12.4338% | 6,035 |
| Memoranda: | ||
| Average total assets | $468,816,800 | 1,409 |
| Average earning assets | $432,817,800 | 1,407 |
| Average equity | $42,146,600 | 1,663 |
| Average total loans | $403,395,400 | 1,061 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5385% | 93 |
| Cost of funding earning assets | 0.4441% | 4,339 |
| Net interest margin | 6.0944% | 74 |
| Noninterest income to average assets | 2.6258% | 276 |
| Noninterest expense to average assets | 5.4360% | 259 |
| Loan and lease loss provision to assets | 0.4054% | 739 |
| Net operating income to assets | 2.4095% | 192 |
| Return on assets (ROA) | 2.4281% | 195 |
| Pretax return on assets | 2.4281% | 262 |
| Return on Equity (ROE) | 26.3566% | 98 |
| Retained earnings to average equity (ytd only) | 1.0425% | 5,559 |
| Net charge-offs to loans | 0.0922% | 3,639 |
| Credit loss provision to net charge-offs | 513.8577% | 539 |
| Earnings coverage of net charge-offs (x) | 35.6780% | 1,087 |
| Efficiency ratio | 65.8835% | 4,507 |
| Assets per employee ($millions) | 1.3634% | 6,811 |
| Cash dividends to net income (ytd only)* | 96.0447% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 4,455 |
| Loan loss allowance to noncurrent loans | 74.5697% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.6298% | 2,519 |
| Noncurrent loans to loans | 1.7282% | 2,603 |
| Net loans and leases to total assets | 85.9060% | 154 |
| Net loans and leases to deposits | 96.3999% | 662 |
| Net loans and leases to core deposits | 110.6817% | 555 |
| Total domestic deposits to total assets | 89.1142% | 1,501 |
| Equity capital to assets | 8.9555% | 5,242 |
| Core capital (leverage) ratio | 8.9505% | 5,205 |
| Tier 1 risk-based capital ratio | 11.2807% | 6,160 |
| Total risk-based capital ratio | 12.5321% | 6,119 |
| Memoranda: | ||
| Average total assets | $451,202,250 | 1,480 |
| Average earning assets | $416,459,250 | 1,472 |
| Average equity | $41,567,250 | 1,699 |
| Average total loans | $386,168,750 | 1,110 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5245% | 97 |
| Cost of funding earning assets | 0.4457% | 4,478 |
| Net interest margin | 6.0789% | 73 |
| Noninterest income to average assets | 2.1025% | 414 |
| Noninterest expense to average assets | 4.7293% | 437 |
| Loan and lease loss provision to assets | 0.4120% | 742 |
| Net operating income to assets | 2.5807% | 155 |
| Return on assets (ROA) | 2.6067% | 164 |
| Pretax return on assets | 2.6067% | 248 |
| Return on Equity (ROE) | 28.0245% | 88 |
| Retained earnings to average equity (ytd only) | -3.4772% | 6,355 |
| Net charge-offs to loans | 0.0515% | 3,951 |
| Credit loss provision to net charge-offs | 939.7959% | 328 |
| Earnings coverage of net charge-offs (x) | 68.2653% | 649 |
| Efficiency ratio | 61.2444% | 5,288 |
| Assets per employee ($millions) | 1.6062% | 6,826 |
| Cash dividends to net income (ytd only)* | 112.4078% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,711 |
| Loan loss allowance to noncurrent loans | 68.4291% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.6756% | 2,598 |
| Noncurrent loans to loans | 1.8364% | 2,586 |
| Net loans and leases to total assets | 85.9244% | 155 |
| Net loans and leases to deposits | 96.2421% | 653 |
| Net loans and leases to core deposits | 108.7143% | 617 |
| Total domestic deposits to total assets | 89.2794% | 1,461 |
| Equity capital to assets | 9.0716% | 5,145 |
| Core capital (leverage) ratio | 9.0103% | 4,968 |
| Tier 1 risk-based capital ratio | 11.1978% | 6,248 |
| Total risk-based capital ratio | 12.4520% | 6,215 |
| Memoranda: | ||
| Average total assets | $447,083,670 | 1,485 |
| Average earning assets | $413,301,330 | 1,473 |
| Average equity | $41,585,000 | 1,704 |
| Average total loans | $380,417,330 | 1,123 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5172% | 91 |
| Cost of funding earning assets | 0.4586% | 4,501 |
| Net interest margin | 6.0586% | 71 |
| Noninterest income to average assets | 1.5623% | 632 |
| Noninterest expense to average assets | 4.2391% | 670 |
| Loan and lease loss provision to assets | 0.4056% | 757 |
| Net operating income to assets | 2.5135% | 159 |
| Return on assets (ROA) | 2.5530% | 160 |
| Pretax return on assets | 2.5530% | 252 |
| Return on Equity (ROE) | 27.1094% | 103 |
| Retained earnings to average equity (ytd only) | -8.7760% | 6,566 |
| Net charge-offs to loans | 0.0288% | 3,623 |
| Credit loss provision to net charge-offs | 1,674.0741% | 192 |
| Earnings coverage of net charge-offs (x) | 120.4815% | 321 |
| Efficiency ratio | 59.2203% | 5,694 |
| Assets per employee ($millions) | 2.2246% | 6,752 |
| Cash dividends to net income (ytd only)* | 132.3726% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 5,127 |
| Loan loss allowance to noncurrent loans | 237.1459% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 5,099 |
| Noncurrent loans to loans | 0.5108% | 5,151 |
| Net loans and leases to total assets | 81.2261% | 330 |
| Net loans and leases to deposits | 89.8974% | 975 |
| Net loans and leases to core deposits | 101.9413% | 828 |
| Total domestic deposits to total assets | 90.3542% | 848 |
| Equity capital to assets | 9.1187% | 5,348 |
| Core capital (leverage) ratio | 8.9627% | 4,944 |
| Tier 1 risk-based capital ratio | 11.3186% | 6,269 |
| Total risk-based capital ratio | 12.5690% | 6,246 |
| Memoranda: | ||
| Average total assets | $445,754,500 | 1,503 |
| Average earning assets | $411,710,000 | 1,491 |
| Average equity | $41,978,000 | 1,704 |
| Average total loans | $374,948,000 | 1,137 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8844% | 84 |
| Cost of funding earning assets | 0.5631% | 4,703 |
| Net interest margin | 6.3213% | 70 |
| Noninterest income to average assets | 1.5468% | 656 |
| Noninterest expense to average assets | 4.3233% | 665 |
| Loan and lease loss provision to assets | 0.3628% | 1,825 |
| Net operating income to assets | 2.6941% | 124 |
| Return on assets (ROA) | 2.7003% | 132 |
| Pretax return on assets | 2.7003% | 196 |
| Return on Equity (ROE) | 29.3411% | 70 |
| Retained earnings to average equity (ytd only) | 14.7613% | 165 |
| Net charge-offs to loans | 0.1904% | 3,854 |
| Credit loss provision to net charge-offs | 226.8657% | 1,097 |
| Earnings coverage of net charge-offs (x) | 19.1164% | 1,406 |
| Efficiency ratio | 58.5797% | 5,750 |
| Assets per employee ($millions) | 2.2331% | 6,809 |
| Cash dividends to net income (ytd only)* | 49.6906% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 5,607 |
| Loan loss allowance to noncurrent loans | 192.2969% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 5,011 |
| Noncurrent loans to loans | 0.5651% | 5,122 |
| Net loans and leases to total assets | 85.1431% | 165 |
| Net loans and leases to deposits | 94.7164% | 702 |
| Net loans and leases to core deposits | 106.5879% | 669 |
| Total domestic deposits to total assets | 89.8927% | 1,013 |
| Equity capital to assets | 9.7269% | 4,559 |
| Core capital (leverage) ratio | 9.4554% | 4,175 |
| Tier 1 risk-based capital ratio | 11.5903% | 6,036 |
| Total risk-based capital ratio | 12.7559% | 6,071 |
| Memoranda: | ||
| Average total assets | $418,986,800 | 1,566 |
| Average earning assets | $386,643,200 | 1,555 |
| Average equity | $38,560,200 | 1,805 |
| Average total loans | $351,971,200 | 1,190 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7241% | 103 |
| Cost of funding earning assets | 0.5817% | 4,829 |
| Net interest margin | 6.1424% | 78 |
| Noninterest income to average assets | 1.5360% | 628 |
| Noninterest expense to average assets | 4.1372% | 791 |
| Loan and lease loss provision to assets | 0.3543% | 1,841 |
| Net operating income to assets | 2.7158% | 136 |
| Return on assets (ROA) | 2.7241% | 143 |
| Pretax return on assets | 2.7241% | 206 |
| Return on Equity (ROE) | 30.0513% | 77 |
| Retained earnings to average equity (ytd only) | 10.8668% | 706 |
| Net charge-offs to loans | 0.0405% | 5,082 |
| Credit loss provision to net charge-offs | 1,048.5714% | 268 |
| Earnings coverage of net charge-offs (x) | 90.8549% | 465 |
| Efficiency ratio | 57.4031% | 5,870 |
| Assets per employee ($millions) | 2.2655% | 6,883 |
| Cash dividends to net income (ytd only)* | 63.8393% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 5,520 |
| Loan loss allowance to noncurrent loans | 129.3077% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 4,424 |
| Noncurrent loans to loans | 0.8891% | 4,652 |
| Net loans and leases to total assets | 85.5914% | 160 |
| Net loans and leases to deposits | 95.4369% | 696 |
| Net loans and leases to core deposits | 110.2228% | 563 |
| Total domestic deposits to total assets | 89.6837% | 1,024 |
| Equity capital to assets | 9.3975% | 5,339 |
| Core capital (leverage) ratio | 9.1137% | 4,889 |
| Tier 1 risk-based capital ratio | 11.3577% | 6,325 |
| Total risk-based capital ratio | 12.6078% | 6,284 |
| Memoranda: | ||
| Average total assets | $414,312,750 | 1,598 |
| Average earning assets | $382,535,750 | 1,583 |
| Average equity | $37,557,000 | 1,871 |
| Average total loans | $345,776,250 | 1,229 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6532% | 121 |
| Cost of funding earning assets | 0.6031% | 4,879 |
| Net interest margin | 6.0501% | 87 |
| Noninterest income to average assets | 1.4594% | 683 |
| Noninterest expense to average assets | 4.1316% | 799 |
| Loan and lease loss provision to assets | 0.3426% | 1,921 |
| Net operating income to assets | 2.5680% | 157 |
| Return on assets (ROA) | 2.5806% | 175 |
| Pretax return on assets | 2.5806% | 270 |
| Return on Equity (ROE) | 28.8343% | 85 |
| Retained earnings to average equity (ytd only) | 3.9909% | 3,961 |
| Net charge-offs to loans | 0.0875% | 4,277 |
| Credit loss provision to net charge-offs | 475.0000% | 636 |
| Earnings coverage of net charge-offs (x) | 40.3581% | 868 |
| Efficiency ratio | 58.6701% | 5,775 |
| Assets per employee ($millions) | 2.2859% | 6,917 |
| Cash dividends to net income (ytd only)* | 86.1594% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 5,834 |
| Loan loss allowance to noncurrent loans | 188.1566% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 5,178 |
| Noncurrent loans to loans | 0.5775% | 5,358 |
| Net loans and leases to total assets | 80.8627% | 419 |
| Net loans and leases to deposits | 89.0900% | 1,244 |
| Net loans and leases to core deposits | 98.3556% | 1,237 |
| Total domestic deposits to total assets | 90.7652% | 537 |
| Equity capital to assets | 8.7417% | 5,978 |
| Core capital (leverage) ratio | 8.7999% | 5,213 |
| Tier 1 risk-based capital ratio | 11.0616% | 6,467 |
| Total risk-based capital ratio | 12.2365% | 6,485 |
| Memoranda: | ||
| Average total assets | $410,443,670 | 1,613 |
| Average earning assets | $378,735,670 | 1,592 |
| Average equity | $36,734,000 | 1,903 |
| Average total loans | $338,104,670 | 1,263 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7582% | 122 |
| Cost of funding earning assets | 0.6442% | 4,784 |
| Net interest margin | 6.1141% | 90 |
| Noninterest income to average assets | 1.3843% | 759 |
| Noninterest expense to average assets | 4.1649% | 773 |
| Loan and lease loss provision to assets | 0.3025% | 2,076 |
| Net operating income to assets | 2.5656% | 163 |
| Return on assets (ROA) | 2.5766% | 193 |
| Pretax return on assets | 2.5766% | 300 |
| Return on Equity (ROE) | 28.4373% | 121 |
| Retained earnings to average equity (ytd only) | 0.9666% | 5,686 |
| Net charge-offs to loans | 0.1420% | 3,249 |
| Credit loss provision to net charge-offs | 257.6271% | 1,114 |
| Earnings coverage of net charge-offs (x) | 24.4237% | 1,056 |
| Efficiency ratio | 59.2189% | 5,740 |
| Assets per employee ($millions) | 2.2459% | 7,023 |
| Cash dividends to net income (ytd only)* | 96.6010% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 6,165 |
| Loan loss allowance to noncurrent loans | 278.3279% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 5,709 |
| Noncurrent loans to loans | 0.3681% | 5,930 |
| Net loans and leases to total assets | 81.0315% | 336 |
| Net loans and leases to deposits | 89.4004% | 1,021 |
| Net loans and leases to core deposits | 99.9113% | 992 |
| Total domestic deposits to total assets | 90.6388% | 723 |
| Equity capital to assets | 8.9162% | 5,616 |
| Core capital (leverage) ratio | 8.7878% | 5,145 |
| Tier 1 risk-based capital ratio | 11.3428% | 6,368 |
| Total risk-based capital ratio | 12.4508% | 6,428 |
| Memoranda: | ||
| Average total assets | $401,931,000 | 1,649 |
| Average earning assets | $371,339,000 | 1,633 |
| Average equity | $36,417,000 | 1,910 |
| Average total loans | $332,427,000 | 1,278 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9926% | 93 |
| Cost of funding earning assets | 0.9517% | 3,710 |
| Net interest margin | 6.0409% | 87 |
| Noninterest income to average assets | 0.9849% | 1,406 |
| Noninterest expense to average assets | 4.0533% | 956 |
| Loan and lease loss provision to assets | 0.0821% | 5,586 |
| Net operating income to assets | 2.4386% | 147 |
| Return on assets (ROA) | 2.4308% | 156 |
| Pretax return on assets | 2.4308% | 237 |
| Return on Equity (ROE) | 27.3078% | 69 |
| Retained earnings to average equity (ytd only) | 13.5227% | 194 |
| Net charge-offs to loans | 0.1353% | 5,062 |
| Credit loss provision to net charge-offs | 72.5118% | 4,753 |
| Earnings coverage of net charge-offs (x) | 22.2512% | 1,067 |
| Efficiency ratio | 61.6236% | 5,516 |
| Assets per employee ($millions) | 2.2197% | 7,065 |
| Cash dividends to net income (ytd only)* | 50.4804% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 6,294 |
| Loan loss allowance to noncurrent loans | 119.4475% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.8517% | 4,920 |
| Noncurrent loans to loans | 0.8222% | 5,043 |
| Net loans and leases to total assets | 82.7528% | 287 |
| Net loans and leases to deposits | 91.4990% | 1,012 |
| Net loans and leases to core deposits | 102.7572% | 980 |
| Total domestic deposits to total assets | 90.4412% | 748 |
| Equity capital to assets | 9.2098% | 5,268 |
| Core capital (leverage) ratio | 8.8838% | 4,968 |
| Tier 1 risk-based capital ratio | 11.6082% | 6,086 |
| Total risk-based capital ratio | 12.6836% | 6,189 |
| Memoranda: | ||
| Average total assets | $372,513,400 | 1,750 |
| Average earning assets | $344,650,200 | 1,727 |
| Average equity | $33,159,000 | 2,007 |
| Average total loans | $311,819,600 | 1,361 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9880% | 98 |
| Cost of funding earning assets | 1.0152% | 3,572 |
| Net interest margin | 5.9728% | 92 |
| Noninterest income to average assets | 0.9980% | 1,347 |
| Noninterest expense to average assets | 3.9974% | 1,005 |
| Loan and lease loss provision to assets | 0.0254% | 6,135 |
| Net operating income to assets | 2.4982% | 156 |
| Return on assets (ROA) | 2.4877% | 165 |
| Pretax return on assets | 2.4877% | 257 |
| Return on Equity (ROE) | 28.2100% | 73 |
| Retained earnings to average equity (ytd only) | 11.2717% | 587 |
| Net charge-offs to loans | 0.1415% | 4,651 |
| Credit loss provision to net charge-offs | 21.4724% | 5,539 |
| Earnings coverage of net charge-offs (x) | 21.3004% | 1,187 |
| Efficiency ratio | 61.2551% | 5,527 |
| Assets per employee ($millions) | 2.2054% | 7,142 |
| Cash dividends to net income (ytd only)* | 60.0438% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 6,301 |
| Loan loss allowance to noncurrent loans | 130.2687% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.8322% | 5,098 |
| Noncurrent loans to loans | 0.7634% | 5,343 |
| Net loans and leases to total assets | 81.4348% | 399 |
| Net loans and leases to deposits | 90.2222% | 1,190 |
| Net loans and leases to core deposits | 99.8384% | 1,259 |
| Total domestic deposits to total assets | 90.2603% | 741 |
| Equity capital to assets | 9.0836% | 5,654 |
| Core capital (leverage) ratio | 8.7772% | 5,300 |
| Tier 1 risk-based capital ratio | 11.4211% | 6,288 |
| Total risk-based capital ratio | 12.4867% | 6,390 |
| Memoranda: | ||
| Average total assets | $366,866,500 | 1,774 |
| Average earning assets | $339,240,750 | 1,758 |
| Average equity | $32,351,750 | 2,053 |
| Average total loans | $307,224,500 | 1,395 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7621% | 146 |
| Cost of funding earning assets | 1.0513% | 3,594 |
| Net interest margin | 5.7107% | 128 |
| Noninterest income to average assets | 1.1530% | 966 |
| Noninterest expense to average assets | 4.0054% | 1,042 |
| Loan and lease loss provision to assets | 0.0259% | 5,979 |
| Net operating income to assets | 2.3992% | 189 |
| Return on assets (ROA) | 2.3832% | 200 |
| Pretax return on assets | 2.3832% | 293 |
| Return on Equity (ROE) | 27.3112% | 98 |
| Retained earnings to average equity (ytd only) | 7.7409% | 1,561 |
| Net charge-offs to loans | 0.0471% | 5,193 |
| Credit loss provision to net charge-offs | 65.2778% | 4,198 |
| Earnings coverage of net charge-offs (x) | 61.0833% | 534 |
| Efficiency ratio | 62.2192% | 5,558 |
| Assets per employee ($millions) | 2.2683% | 7,142 |
| Cash dividends to net income (ytd only)* | 71.6566% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 6,020 |
| Loan loss allowance to noncurrent loans | 210.2774% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 5,561 |
| Noncurrent loans to loans | 0.5154% | 5,873 |
| Net loans and leases to total assets | 81.8202% | 384 |
| Net loans and leases to deposits | 90.2632% | 1,243 |
| Net loans and leases to core deposits | 100.6318% | 1,287 |
| Total domestic deposits to total assets | 90.6462% | 659 |
| Equity capital to assets | 8.7285% | 5,907 |
| Core capital (leverage) ratio | 8.6091% | 5,383 |
| Tier 1 risk-based capital ratio | 11.2603% | 6,347 |
| Total risk-based capital ratio | 12.4432% | 6,380 |
| Memoranda: | ||
| Average total assets | $362,710,670 | 1,804 |
| Average earning assets | $335,192,670 | 1,785 |
| Average equity | $31,650,000 | 2,084 |
| Average total loans | $305,628,330 | 1,417 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7770% | 146 |
| Cost of funding earning assets | 1.0752% | 3,690 |
| Net interest margin | 5.7018% | 123 |
| Noninterest income to average assets | 1.0948% | 1,094 |
| Noninterest expense to average assets | 3.9736% | 1,070 |
| Loan and lease loss provision to assets | 0.0067% | 5,796 |
| Net operating income to assets | 2.3929% | 200 |
| Return on assets (ROA) | 2.3605% | 216 |
| Pretax return on assets | 2.3605% | 305 |
| Return on Equity (ROE) | 27.0551% | 118 |
| Retained earnings to average equity (ytd only) | 9.5903% | 1,213 |
| Net charge-offs to loans | -0.0026% | 6,185 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2086% | 5,649 |
| Assets per employee ($millions) | 2.3243% | 7,169 |
| Cash dividends to net income (ytd only)* | 64.5528% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 5,993 |
| Loan loss allowance to noncurrent loans | 157.8528% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 5,257 |
| Noncurrent loans to loans | 0.7055% | 5,607 |
| Net loans and leases to total assets | 81.9356% | 348 |
| Net loans and leases to deposits | 90.2618% | 1,204 |
| Net loans and leases to core deposits | 102.0837% | 1,198 |
| Total domestic deposits to total assets | 90.7756% | 724 |
| Equity capital to assets | 8.6703% | 5,693 |
| Core capital (leverage) ratio | 8.7097% | 5,074 |
| Tier 1 risk-based capital ratio | 11.2309% | 6,325 |
| Total risk-based capital ratio | 12.4402% | 6,331 |
| Memoranda: | ||
| Average total assets | $358,066,000 | 1,836 |
| Average earning assets | $331,472,000 | 1,809 |
| Average equity | $31,240,000 | 2,098 |
| Average total loans | $304,589,500 | 1,434 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0543% | 139 |
| Cost of funding earning assets | 1.2122% | 4,479 |
| Net interest margin | 5.8421% | 117 |
| Noninterest income to average assets | 1.2121% | 1,020 |
| Noninterest expense to average assets | 4.1266% | 993 |
| Loan and lease loss provision to assets | 0.4076% | 3,662 |
| Net operating income to assets | 2.0758% | 246 |
| Return on assets (ROA) | 2.1007% | 246 |
| Pretax return on assets | 2.1007% | 387 |
| Return on Equity (ROE) | 23.2177% | 131 |
| Retained earnings to average equity (ytd only) | 3.3584% | 3,516 |
| Net charge-offs to loans | 0.4054% | 4,017 |
| Credit loss provision to net charge-offs | 115.6064% | 3,737 |
| Earnings coverage of net charge-offs (x) | 7.0433% | 2,209 |
| Efficiency ratio | 62.2387% | 5,692 |
| Assets per employee ($millions) | 2.2371% | 7,271 |
| Cash dividends to net income (ytd only)* | 85.5353% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 5,966 |
| Loan loss allowance to noncurrent loans | 152.1050% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.9757% | 5,057 |
| Noncurrent loans to loans | 0.7200% | 5,605 |
| Net loans and leases to total assets | 86.4014% | 168 |
| Net loans and leases to deposits | 95.8027% | 885 |
| Net loans and leases to core deposits | 108.8693% | 993 |
| Total domestic deposits to total assets | 90.1868% | 998 |
| Equity capital to assets | 8.7811% | 5,463 |
| Core capital (leverage) ratio | 8.7842% | 4,881 |
| Tier 1 risk-based capital ratio | 10.9543% | 6,361 |
| Total risk-based capital ratio | 12.1595% | 6,373 |
| Memoranda: | ||
| Average total assets | $334,370,800 | 1,943 |
| Average earning assets | $308,944,600 | 1,925 |
| Average equity | $30,252,800 | 2,152 |
| Average total loans | $290,813,200 | 1,535 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0381% | 140 |
| Cost of funding earning assets | 1.2358% | 4,651 |
| Net interest margin | 5.8023% | 114 |
| Noninterest income to average assets | 1.2059% | 955 |
| Noninterest expense to average assets | 3.8368% | 1,307 |
| Loan and lease loss provision to assets | 0.4046% | 3,483 |
| Net operating income to assets | 2.3188% | 185 |
| Return on assets (ROA) | 2.3406% | 186 |
| Pretax return on assets | 2.3406% | 310 |
| Return on Equity (ROE) | 25.6689% | 104 |
| Retained earnings to average equity (ytd only) | 5.4872% | 2,656 |
| Net charge-offs to loans | 0.4969% | 3,286 |
| Credit loss provision to net charge-offs | 93.7325% | 4,629 |
| Earnings coverage of net charge-offs (x) | 6.3087% | 2,547 |
| Efficiency ratio | 58.2764% | 6,225 |
| Assets per employee ($millions) | 2.1969% | 7,387 |
| Cash dividends to net income (ytd only)* | 78.6232% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 6,162 |
| Loan loss allowance to noncurrent loans | 91.2775% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.3517% | 4,462 |
| Noncurrent loans to loans | 1.1500% | 4,939 |
| Net loans and leases to total assets | 86.0376% | 199 |
| Net loans and leases to deposits | 95.4192% | 1,055 |
| Net loans and leases to core deposits | 110.8560% | 990 |
| Total domestic deposits to total assets | 90.1680% | 792 |
| Equity capital to assets | 9.2417% | 5,241 |
| Core capital (leverage) ratio | 9.2398% | 4,295 |
| Tier 1 risk-based capital ratio | 11.1969% | 6,191 |
| Total risk-based capital ratio | 12.3284% | 6,299 |
| Memoranda: | ||
| Average total assets | $330,158,500 | 1,994 |
| Average earning assets | $304,677,000 | 1,980 |
| Average equity | $30,105,750 | 2,189 |
| Average total loans | $286,811,750 | 1,576 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9526% | 165 |
| Cost of funding earning assets | 1.2583% | 4,775 |
| Net interest margin | 5.6943% | 134 |
| Noninterest income to average assets | 1.1968% | 902 |
| Noninterest expense to average assets | 3.9142% | 1,166 |
| Loan and lease loss provision to assets | 0.3979% | 3,336 |
| Net operating income to assets | 2.1316% | 262 |
| Return on assets (ROA) | 2.1316% | 287 |
| Pretax return on assets | 2.1316% | 462 |
| Return on Equity (ROE) | 23.4866% | 160 |
| Retained earnings to average equity (ytd only) | -1.5244% | 6,070 |
| Net charge-offs to loans | 0.6436% | 2,610 |
| Credit loss provision to net charge-offs | 71.1939% | 4,937 |
| Earnings coverage of net charge-offs (x) | 4.5257% | 2,927 |
| Efficiency ratio | 60.4978% | 5,960 |
| Assets per employee ($millions) | 2.1362% | 7,487 |
| Cash dividends to net income (ytd only)* | 106.4905% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 6,314 |
| Loan loss allowance to noncurrent loans | 87.5300% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 1.3551% | 4,456 |
| Noncurrent loans to loans | 1.1658% | 5,007 |
| Net loans and leases to total assets | 85.8866% | 236 |
| Net loans and leases to deposits | 94.9256% | 1,161 |
| Net loans and leases to core deposits | 106.8242% | 1,379 |
| Total domestic deposits to total assets | 90.4778% | 694 |
| Equity capital to assets | 9.0863% | 5,315 |
| Core capital (leverage) ratio | 8.9130% | 4,735 |
| Tier 1 risk-based capital ratio | 11.0621% | 6,171 |
| Total risk-based capital ratio | 12.1626% | 6,316 |
| Memoranda: | ||
| Average total assets | $326,704,000 | 2,033 |
| Average earning assets | $301,038,670 | 2,020 |
| Average equity | $29,651,000 | 2,212 |
| Average total loans | $283,720,670 | 1,612 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7149% | 257 |
| Cost of funding earning assets | 1.2600% | 5,064 |
| Net interest margin | 5.4549% | 193 |
| Noninterest income to average assets | 1.1021% | 1,037 |
| Noninterest expense to average assets | 4.0864% | 919 |
| Loan and lease loss provision to assets | 0.5136% | 2,444 |
| Net operating income to assets | 1.5235% | 863 |
| Return on assets (ROA) | 1.5235% | 924 |
| Pretax return on assets | 1.5235% | 1,459 |
| Return on Equity (ROE) | 16.7962% | 629 |
| Retained earnings to average equity (ytd only) | -15.5094% | 7,231 |
| Net charge-offs to loans | 0.4497% | 2,703 |
| Credit loss provision to net charge-offs | 131.4465% | 2,686 |
| Earnings coverage of net charge-offs (x) | 5.2138% | 2,443 |
| Efficiency ratio | 66.3724% | 5,038 |
| Assets per employee ($millions) | 2.1160% | 7,605 |
| Cash dividends to net income (ytd only)* | 192.3387% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 5,709 |
| Loan loss allowance to noncurrent loans | 85.0948% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.5639% | 4,159 |
| Noncurrent loans to loans | 1.3648% | 4,695 |
| Net loans and leases to total assets | 86.1431% | 208 |
| Net loans and leases to deposits | 96.4259% | 1,060 |
| Net loans and leases to core deposits | 107.4540% | 1,464 |
| Total domestic deposits to total assets | 89.3360% | 1,340 |
| Equity capital to assets | 8.9568% | 5,344 |
| Core capital (leverage) ratio | 8.7025% | 5,019 |
| Tier 1 risk-based capital ratio | 10.7469% | 6,392 |
| Total risk-based capital ratio | 11.9889% | 6,384 |
| Memoranda: | ||
| Average total assets | $325,566,500 | 2,088 |
| Average earning assets | $299,692,500 | 2,079 |
| Average equity | $29,530,500 | 2,242 |
| Average total loans | $282,850,000 | 1,664 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8493% | 348 |
| Cost of funding earning assets | 1.6479% | 4,807 |
| Net interest margin | 5.2014% | 292 |
| Noninterest income to average assets | 1.1948% | 1,078 |
| Noninterest expense to average assets | 4.0927% | 1,243 |
| Loan and lease loss provision to assets | 0.5051% | 3,852 |
| Net operating income to assets | 1.3766% | 888 |
| Return on assets (ROA) | 1.3721% | 949 |
| Pretax return on assets | 1.3721% | 1,497 |
| Return on Equity (ROE) | 15.6052% | 592 |
| Retained earnings to average equity (ytd only) | -0.9224% | 5,233 |
| Net charge-offs to loans | 0.4140% | 4,155 |
| Credit loss provision to net charge-offs | 141.9218% | 3,408 |
| Earnings coverage of net charge-offs (x) | 5.2874% | 2,639 |
| Efficiency ratio | 68.0377% | 4,996 |
| Assets per employee ($millions) | 2.1259% | 7,632 |
| Cash dividends to net income (ytd only)* | 105.9109% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 5,811 |
| Loan loss allowance to noncurrent loans | 60.3114% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 2.4686% | 2,821 |
| Noncurrent loans to loans | 1.8572% | 3,853 |
| Net loans and leases to total assets | 85.6364% | 304 |
| Net loans and leases to deposits | 97.0101% | 1,207 |
| Net loans and leases to core deposits | 137.6621% | 888 |
| Total domestic deposits to total assets | 88.2757% | 1,840 |
| Equity capital to assets | 9.1830% | 4,866 |
| Core capital (leverage) ratio | 9.0636% | 4,317 |
| Tier 1 risk-based capital ratio | 10.5620% | 6,331 |
| Total risk-based capital ratio | 11.7006% | 6,414 |
| Memoranda: | ||
| Average total assets | $330,440,400 | 2,049 |
| Average earning assets | $303,650,000 | 2,045 |
| Average equity | $29,054,400 | 2,295 |
| Average total loans | $284,038,200 | 1,695 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8465% | 390 |
| Cost of funding earning assets | 1.7430% | 4,680 |
| Net interest margin | 5.1034% | 363 |
| Noninterest income to average assets | 1.1876% | 1,106 |
| Noninterest expense to average assets | 3.8626% | 1,485 |
| Loan and lease loss provision to assets | 0.3953% | 3,942 |
| Net operating income to assets | 1.6219% | 639 |
| Return on assets (ROA) | 1.6219% | 688 |
| Pretax return on assets | 1.6219% | 1,134 |
| Return on Equity (ROE) | 18.6510% | 388 |
| Retained earnings to average equity (ytd only) | -3.3469% | 5,997 |
| Net charge-offs to loans | 0.4420% | 3,472 |
| Credit loss provision to net charge-offs | 104.2463% | 4,878 |
| Earnings coverage of net charge-offs (x) | 5.3195% | 2,859 |
| Efficiency ratio | 65.2198% | 5,511 |
| Assets per employee ($millions) | 2.1201% | 7,693 |
| Cash dividends to net income (ytd only)* | 117.9448% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 6,431 |
| Loan loss allowance to noncurrent loans | 64.5804% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 2.2064% | 3,090 |
| Noncurrent loans to loans | 1.5053% | 4,399 |
| Net loans and leases to total assets | 85.5478% | 385 |
| Net loans and leases to deposits | 100.1053% | 1,092 |
| Net loans and leases to core deposits | 139.0613% | 966 |
| Total domestic deposits to total assets | 85.4578% | 2,990 |
| Equity capital to assets | 9.1423% | 5,274 |
| Core capital (leverage) ratio | 8.9456% | 4,738 |
| Tier 1 risk-based capital ratio | 10.4083% | 6,560 |
| Total risk-based capital ratio | 11.3917% | 6,786 |
| Memoranda: | ||
| Average total assets | $331,203,250 | 2,066 |
| Average earning assets | $304,518,500 | 2,066 |
| Average equity | $28,802,000 | 2,336 |
| Average total loans | $284,162,750 | 1,711 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8669% | 399 |
| Cost of funding earning assets | 1.8262% | 4,626 |
| Net interest margin | 5.0407% | 392 |
| Noninterest income to average assets | 1.1431% | 1,200 |
| Noninterest expense to average assets | 3.9475% | 1,403 |
| Loan and lease loss provision to assets | 0.3430% | 3,876 |
| Net operating income to assets | 1.4843% | 864 |
| Return on assets (ROA) | 1.4843% | 922 |
| Pretax return on assets | 1.4843% | 1,489 |
| Return on Equity (ROE) | 17.3577% | 544 |
| Retained earnings to average equity (ytd only) | -12.7079% | 7,096 |
| Net charge-offs to loans | 0.3202% | 3,583 |
| Credit loss provision to net charge-offs | 125.1641% | 3,709 |
| Earnings coverage of net charge-offs (x) | 6.6674% | 2,573 |
| Efficiency ratio | 67.8783% | 5,168 |
| Assets per employee ($millions) | 2.1419% | 7,737 |
| Cash dividends to net income (ytd only)* | 173.2121% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 6,249 |
| Loan loss allowance to noncurrent loans | 85.5440% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 2.0413% | 3,143 |
| Noncurrent loans to loans | 1.1687% | 4,880 |
| Net loans and leases to total assets | 85.1347% | 486 |
| Net loans and leases to deposits | 94.9437% | 1,963 |
| Net loans and leases to core deposits | 129.3062% | 1,628 |
| Total domestic deposits to total assets | 89.6686% | 972 |
| Equity capital to assets | 8.5978% | 5,896 |
| Core capital (leverage) ratio | 8.4150% | 5,593 |
| Tier 1 risk-based capital ratio | 9.9937% | 6,937 |
| Total risk-based capital ratio | 11.0028% | 7,121 |
| Memoranda: | ||
| Average total assets | $333,480,000 | 2,086 |
| Average earning assets | $306,428,330 | 2,077 |
| Average equity | $28,517,670 | 2,372 |
| Average total loans | $285,477,670 | 1,729 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8936% | 411 |
| Cost of funding earning assets | 1.9084% | 4,584 |
| Net interest margin | 4.9851% | 415 |
| Noninterest income to average assets | 1.1404% | 1,135 |
| Noninterest expense to average assets | 3.9083% | 1,299 |
| Loan and lease loss provision to assets | 0.5714% | 2,200 |
| Net operating income to assets | 1.2435% | 1,526 |
| Return on assets (ROA) | 1.2435% | 1,631 |
| Pretax return on assets | 1.2435% | 2,474 |
| Return on Equity (ROE) | 14.5793% | 1,056 |
| Retained earnings to average equity (ytd only) | -23.6410% | 7,735 |
| Net charge-offs to loans | 0.2748% | 3,025 |
| Credit loss provision to net charge-offs | 243.4343% | 1,912 |
| Earnings coverage of net charge-offs (x) | 7.7323% | 2,305 |
| Efficiency ratio | 67.8128% | 4,999 |
| Assets per employee ($millions) | 2.2261% | 7,679 |
| Cash dividends to net income (ytd only)* | 262.1544% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 5,856 |
| Loan loss allowance to noncurrent loans | 83.4130% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 2.0150% | 2,880 |
| Noncurrent loans to loans | 1.2498% | 4,472 |
| Net loans and leases to total assets | 83.7870% | 721 |
| Net loans and leases to deposits | 91.7941% | 2,636 |
| Net loans and leases to core deposits | 123.3814% | 2,128 |
| Total domestic deposits to total assets | 91.2771% | 333 |
| Equity capital to assets | 8.3787% | 6,271 |
| Core capital (leverage) ratio | 8.2544% | 5,988 |
| Tier 1 risk-based capital ratio | 9.7769% | 7,168 |
| Total risk-based capital ratio | 10.8201% | 7,303 |
| Memoranda: | ||
| Average total assets | $337,435,000 | 2,064 |
| Average earning assets | $310,201,500 | 2,062 |
| Average equity | $28,780,500 | 2,362 |
| Average total loans | $288,230,500 | 1,722 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9995% | 193 |
| Cost of funding earning assets | 2.6749% | 3,292 |
| Net interest margin | 5.3246% | 272 |
| Noninterest income to average assets | 1.3618% | 777 |
| Noninterest expense to average assets | 3.9486% | 1,486 |
| Loan and lease loss provision to assets | 0.3310% | 3,743 |
| Net operating income to assets | 1.9662% | 384 |
| Return on assets (ROA) | 1.9710% | 362 |
| Pretax return on assets | 1.9710% | 660 |
| Return on Equity (ROE) | 23.7818% | 180 |
| Retained earnings to average equity (ytd only) | 14.3622% | 110 |
| Net charge-offs to loans | 0.7291% | 1,696 |
| Credit loss provision to net charge-offs | 52.6871% | 6,321 |
| Earnings coverage of net charge-offs (x) | 3.6569% | 4,268 |
| Efficiency ratio | 62.7721% | 5,822 |
| Assets per employee ($millions) | 2.1996% | 7,711 |
| Cash dividends to net income (ytd only)* | 39.6085% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 6,571 |
| Loan loss allowance to noncurrent loans | 76.3517% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.6910% | 2,871 |
| Noncurrent loans to loans | 1.2040% | 4,104 |
| Net loans and leases to total assets | 85.3687% | 676 |
| Net loans and leases to deposits | 95.7232% | 2,485 |
| Net loans and leases to core deposits | 128.2473% | 1,986 |
| Total domestic deposits to total assets | 89.1829% | 970 |
| Equity capital to assets | 8.6785% | 5,841 |
| Core capital (leverage) ratio | 8.7272% | 5,156 |
| Tier 1 risk-based capital ratio | 10.1677% | 6,557 |
| Total risk-based capital ratio | 11.0985% | 6,788 |
| Memoranda: | ||
| Average total assets | $331,762,600 | 2,016 |
| Average earning assets | $304,305,600 | 2,006 |
| Average equity | $27,495,800 | 2,439 |
| Average total loans | $285,821,200 | 1,693 |