Home > Guardian Bank > Performance and Condition Ratios
Guardian Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 3,226 |
| Cost of funding earning assets | 1.6722% | 1,514 |
| Net interest margin | 2.7589% | 3,736 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.9003% | 3,836 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0469% | 2,072 |
| Return on assets (ROA) | 1.0420% | 2,064 |
| Pretax return on assets | 1.0420% | 2,557 |
| Return on Equity (ROE) | 17.3900% | 904 |
| Retained earnings to average equity (ytd only) | 9.5924% | 1,117 |
| Net charge-offs to loans | -0.0006% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.9883% | 2,605 |
| Assets per employee ($millions) | 11.5675% | 463 |
| Cash dividends to net income (ytd only)* | 44.8399% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 917 |
| Loan loss allowance to noncurrent loans | 104.6779% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.2450% | 341 |
| Noncurrent loans to loans | 1.4901% | 463 |
| Net loans and leases to total assets | 64.0900% | 2,452 |
| Net loans and leases to deposits | 70.3330% | 2,871 |
| Net loans and leases to core deposits | 82.5224% | 2,549 |
| Total domestic deposits to total assets | 91.1300% | 471 |
| Equity capital to assets | 6.4203% | 4,143 |
| Core capital (leverage) ratio | 10.4760% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8862% | 1,296 |
| Memoranda: | ||
| Average total assets | $539,325,800 | 1,645 |
| Average earning assets | $514,520,600 | 1,590 |
| Average equity | $32,317,200 | 2,171 |
| Average total loans | $338,268,400 | 1,653 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2931% | 3,307 |
| Cost of funding earning assets | 1.4737% | 1,680 |
| Net interest margin | 2.8193% | 3,699 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.9384% | 3,739 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.0921% | 2,082 |
| Return on assets (ROA) | 1.0856% | 2,086 |
| Pretax return on assets | 1.0856% | 2,605 |
| Return on Equity (ROE) | 18.4600% | 883 |
| Retained earnings to average equity (ytd only) | 14.8006% | 581 |
| Net charge-offs to loans | -0.0008% | 3,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.7533% | 2,528 |
| Assets per employee ($millions) | 10.7478% | 536 |
| Cash dividends to net income (ytd only)* | 19.8211% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 800 |
| Loan loss allowance to noncurrent loans | 96.9131% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.3393% | 305 |
| Noncurrent loans to loans | 1.6942% | 401 |
| Net loans and leases to total assets | 61.9500% | 2,661 |
| Net loans and leases to deposits | 67.7964% | 2,993 |
| Net loans and leases to core deposits | 78.9521% | 2,679 |
| Total domestic deposits to total assets | 91.3700% | 587 |
| Equity capital to assets | 5.5669% | 4,121 |
| Core capital (leverage) ratio | 10.9455% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4835% | 886 |
| Memoranda: | ||
| Average total assets | $535,346,750 | 1,652 |
| Average earning assets | $510,703,000 | 1,597 |
| Average equity | $31,484,500 | 2,192 |
| Average total loans | $332,455,250 | 1,671 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 3,281 |
| Cost of funding earning assets | 1.2907% | 1,733 |
| Net interest margin | 2.9161% | 3,619 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.9377% | 3,741 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.1832% | 1,872 |
| Return on assets (ROA) | 1.1734% | 1,896 |
| Pretax return on assets | 1.1734% | 2,434 |
| Return on Equity (ROE) | 19.6000% | 756 |
| Retained earnings to average equity (ytd only) | 16.9024% | 396 |
| Net charge-offs to loans | -0.0006% | 3,407 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.7917% | 2,740 |
| Assets per employee ($millions) | 10.3082% | 611 |
| Cash dividends to net income (ytd only)* | 13.7711% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6949% | 763 |
| Loan loss allowance to noncurrent loans | 103.7148% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.3136% | 295 |
| Noncurrent loans to loans | 1.6342% | 394 |
| Net loans and leases to total assets | 61.3000% | 2,640 |
| Net loans and leases to deposits | 66.1870% | 3,047 |
| Net loans and leases to core deposits | 71.9236% | 3,018 |
| Total domestic deposits to total assets | 92.6100% | 309 |
| Equity capital to assets | 6.2815% | 4,072 |
| Core capital (leverage) ratio | 10.7277% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1244% | 800 |
| Memoranda: | ||
| Average total assets | $534,666,333 | 1,651 |
| Average earning assets | $510,264,667 | 1,599 |
| Average equity | $32,007,333 | 2,186 |
| Average total loans | $330,458,333 | 1,671 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0607% | 3,346 |
| Cost of funding earning assets | 1.1105% | 1,724 |
| Net interest margin | 2.9502% | 3,694 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.9179% | 3,817 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.2234% | 1,877 |
| Return on assets (ROA) | 1.2234% | 1,842 |
| Pretax return on assets | 1.2234% | 2,368 |
| Return on Equity (ROE) | 20.9400% | 664 |
| Retained earnings to average equity (ytd only) | 20.9400% | 322 |
| Net charge-offs to loans | -0.0012% | 3,342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.4820% | 2,895 |
| Assets per employee ($millions) | 10.1968% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 843 |
| Loan loss allowance to noncurrent loans | 103.1563% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 337 |
| Noncurrent loans to loans | 1.6341% | 391 |
| Net loans and leases to total assets | 59.9600% | 2,650 |
| Net loans and leases to deposits | 65.3714% | 2,987 |
| Net loans and leases to core deposits | 71.4414% | 2,855 |
| Total domestic deposits to total assets | 91.7200% | 587 |
| Equity capital to assets | 6.1261% | 4,160 |
| Core capital (leverage) ratio | 10.4745% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0473% | 987 |
| Memoranda: | ||
| Average total assets | $539,141,500 | 1,657 |
| Average earning assets | $515,088,500 | 1,605 |
| Average equity | $31,499,500 | 2,231 |
| Average total loans | $331,781,500 | 1,679 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6166% | 2,755 |
| Cost of funding earning assets | 0.3881% | 2,192 |
| Net interest margin | 3.2285% | 2,776 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.8841% | 3,867 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.4519% | 1,002 |
| Return on assets (ROA) | 1.4526% | 958 |
| Pretax return on assets | 1.4526% | 1,604 |
| Return on Equity (ROE) | 20.6700% | 412 |
| Retained earnings to average equity (ytd only) | 10.2088% | 1,092 |
| Net charge-offs to loans | 0.0313% | 1,444 |
| Credit loss provision to net charge-offs | 413.7255% | 761 |
| Earnings coverage of net charge-offs (x) | 80.1176% | 1,087 |
| Efficiency ratio | 55.1703% | 3,663 |
| Assets per employee ($millions) | 9.9603% | 684 |
| Cash dividends to net income (ytd only)* | 50.6061% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 876 |
| Loan loss allowance to noncurrent loans | 105.9965% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.0970% | 381 |
| Noncurrent loans to loans | 1.5580% | 414 |
| Net loans and leases to total assets | 61.0700% | 2,545 |
| Net loans and leases to deposits | 64.8751% | 2,967 |
| Net loans and leases to core deposits | 71.0143% | 2,800 |
| Total domestic deposits to total assets | 94.1300% | 223 |
| Equity capital to assets | 5.5576% | 4,227 |
| Core capital (leverage) ratio | 10.0290% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5022% | 1,049 |
| Memoranda: | ||
| Average total assets | $533,792,200 | 1,651 |
| Average earning assets | $510,667,800 | 1,602 |
| Average equity | $37,516,800 | 2,018 |
| Average total loans | $325,759,000 | 1,619 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4801% | 2,683 |
| Cost of funding earning assets | 0.2485% | 2,727 |
| Net interest margin | 3.2316% | 2,525 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.8809% | 3,794 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.4497% | 955 |
| Return on assets (ROA) | 1.4507% | 928 |
| Pretax return on assets | 1.4507% | 1,553 |
| Return on Equity (ROE) | 19.6100% | 471 |
| Retained earnings to average equity (ytd only) | 15.2192% | 344 |
| Net charge-offs to loans | 0.0383% | 1,111 |
| Credit loss provision to net charge-offs | 396.7742% | 710 |
| Earnings coverage of net charge-offs (x) | 66.2581% | 1,123 |
| Efficiency ratio | 54.9496% | 3,731 |
| Assets per employee ($millions) | 9.6659% | 713 |
| Cash dividends to net income (ytd only)* | 22.3736% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6416% | 986 |
| Loan loss allowance to noncurrent loans | 101.8808% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.1414% | 382 |
| Noncurrent loans to loans | 1.6113% | 421 |
| Net loans and leases to total assets | 61.6600% | 2,333 |
| Net loans and leases to deposits | 68.0455% | 2,533 |
| Net loans and leases to core deposits | 72.7819% | 2,432 |
| Total domestic deposits to total assets | 90.6100% | 1,401 |
| Equity capital to assets | 5.7751% | 4,048 |
| Core capital (leverage) ratio | 10.6672% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0265% | 1,167 |
| Memoranda: | ||
| Average total assets | $532,776,750 | 1,667 |
| Average earning assets | $510,165,000 | 1,621 |
| Average equity | $39,423,000 | 1,965 |
| Average total loans | $323,709,000 | 1,621 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3361% | 2,622 |
| Cost of funding earning assets | 0.1933% | 3,006 |
| Net interest margin | 3.1428% | 2,393 |
| Noninterest income to average assets | 0.3320% | 3,170 |
| Noninterest expense to average assets | 1.8546% | 3,824 |
| Loan and lease loss provision to assets | 0.0844% | 1,178 |
| Net operating income to assets | 1.4056% | 893 |
| Return on assets (ROA) | 1.4082% | 864 |
| Pretax return on assets | 1.4082% | 1,416 |
| Return on Equity (ROE) | 17.7368% | 503 |
| Retained earnings to average equity (ytd only) | 13.6546% | 398 |
| Net charge-offs to loans | -0.0019% | 3,122 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4509% | 3,831 |
| Assets per employee ($millions) | 9.6272% | 730 |
| Cash dividends to net income (ytd only)* | 23.0155% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6996% | 960 |
| Loan loss allowance to noncurrent loans | 99.5411% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.1400% | 381 |
| Noncurrent loans to loans | 1.7074% | 407 |
| Net loans and leases to total assets | 58.1779% | 2,514 |
| Net loans and leases to deposits | 62.0202% | 2,887 |
| Net loans and leases to core deposits | 69.1310% | 2,556 |
| Total domestic deposits to total assets | 93.8048% | 320 |
| Equity capital to assets | 5.9294% | 4,221 |
| Core capital (leverage) ratio | 10.4013% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1336% | 973 |
| Memoranda: | ||
| Average total assets | $533,161,000 | 1,674 |
| Average earning assets | $511,072,000 | 1,635 |
| Average equity | $42,330,000 | 1,921 |
| Average total loans | $320,524,000 | 1,630 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2794% | 2,449 |
| Cost of funding earning assets | 0.1826% | 3,055 |
| Net interest margin | 3.0968% | 2,185 |
| Noninterest income to average assets | 0.3169% | 3,200 |
| Noninterest expense to average assets | 1.8356% | 3,853 |
| Loan and lease loss provision to assets | 0.0800% | 1,025 |
| Net operating income to assets | 1.3693% | 857 |
| Return on assets (ROA) | 1.3693% | 850 |
| Pretax return on assets | 1.3693% | 1,330 |
| Return on Equity (ROE) | 15.2805% | 617 |
| Retained earnings to average equity (ytd only) | 15.2805% | 271 |
| Net charge-offs to loans | -0.0012% | 3,039 |
| Credit loss provision to net charge-offs | -10,600.0000% | 3,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8797% | 3,888 |
| Assets per employee ($millions) | 9.9049% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 1,093 |
| Loan loss allowance to noncurrent loans | 101.3573% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.1423% | 396 |
| Noncurrent loans to loans | 1.6541% | 479 |
| Net loans and leases to total assets | 57.0789% | 2,409 |
| Net loans and leases to deposits | 62.1727% | 2,701 |
| Net loans and leases to core deposits | 65.6969% | 2,661 |
| Total domestic deposits to total assets | 91.8070% | 656 |
| Equity capital to assets | 7.9714% | 3,594 |
| Core capital (leverage) ratio | 10.3074% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0060% | 1,041 |
| Memoranda: | ||
| Average total assets | $530,179,500 | 1,683 |
| Average earning assets | $508,139,500 | 1,650 |
| Average equity | $47,511,500 | 1,803 |
| Average total loans | $321,249,000 | 1,615 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5052% | 2,646 |
| Cost of funding earning assets | 0.2650% | 2,755 |
| Net interest margin | 3.2402% | 2,486 |
| Noninterest income to average assets | 0.3341% | 3,414 |
| Noninterest expense to average assets | 1.9764% | 3,749 |
| Loan and lease loss provision to assets | 0.0577% | 1,902 |
| Net operating income to assets | 1.4025% | 1,269 |
| Return on assets (ROA) | 1.4217% | 1,275 |
| Pretax return on assets | 1.4217% | 1,974 |
| Return on Equity (ROE) | 13.4673% | 1,324 |
| Retained earnings to average equity (ytd only) | 6.1954% | 2,274 |
| Net charge-offs to loans | 0.0567% | 1,226 |
| Credit loss provision to net charge-offs | 163.4286% | 1,440 |
| Earnings coverage of net charge-offs (x) | 41.3371% | 1,416 |
| Efficiency ratio | 57.5095% | 3,519 |
| Assets per employee ($millions) | 9.3743% | 820 |
| Cash dividends to net income (ytd only)* | 53.9969% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 1,280 |
| Loan loss allowance to noncurrent loans | 99.3118% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.2120% | 406 |
| Noncurrent loans to loans | 1.6034% | 543 |
| Net loans and leases to total assets | 62.2690% | 1,906 |
| Net loans and leases to deposits | 69.4103% | 2,184 |
| Net loans and leases to core deposits | 73.7270% | 2,105 |
| Total domestic deposits to total assets | 89.7115% | 1,105 |
| Equity capital to assets | 10.0074% | 2,650 |
| Core capital (leverage) ratio | 10.2020% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4710% | 971 |
| Memoranda: | ||
| Average total assets | $495,394,600 | 1,707 |
| Average earning assets | $474,357,800 | 1,675 |
| Average equity | $52,297,200 | 1,697 |
| Average total loans | $308,589,400 | 1,669 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5123% | 2,794 |
| Cost of funding earning assets | 0.2855% | 2,744 |
| Net interest margin | 3.2268% | 2,643 |
| Noninterest income to average assets | 0.3497% | 3,361 |
| Noninterest expense to average assets | 1.9909% | 3,708 |
| Loan and lease loss provision to assets | 0.0498% | 2,000 |
| Net operating income to assets | 1.4009% | 1,542 |
| Return on assets (ROA) | 1.4172% | 1,549 |
| Pretax return on assets | 1.4172% | 2,262 |
| Return on Equity (ROE) | 13.2435% | 1,631 |
| Retained earnings to average equity (ytd only) | 9.4575% | 1,510 |
| Net charge-offs to loans | 0.0513% | 1,153 |
| Credit loss provision to net charge-offs | 156.4103% | 1,336 |
| Earnings coverage of net charge-offs (x) | 45.5983% | 1,285 |
| Efficiency ratio | 57.8494% | 3,289 |
| Assets per employee ($millions) | 8.9191% | 919 |
| Cash dividends to net income (ytd only)* | 28.5879% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 1,186 |
| Loan loss allowance to noncurrent loans | 97.4640% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.2068% | 490 |
| Noncurrent loans to loans | 1.7088% | 589 |
| Net loans and leases to total assets | 59.8100% | 2,288 |
| Net loans and leases to deposits | 67.1933% | 2,523 |
| Net loans and leases to core deposits | 70.8947% | 2,523 |
| Total domestic deposits to total assets | 89.0118% | 1,268 |
| Equity capital to assets | 10.7034% | 2,260 |
| Core capital (leverage) ratio | 10.5465% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $490,346,500 | 1,737 |
| Average earning assets | $469,842,750 | 1,702 |
| Average equity | $52,472,250 | 1,713 |
| Average total loans | $304,175,250 | 1,717 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5373% | 2,803 |
| Cost of funding earning assets | 0.3117% | 2,664 |
| Net interest margin | 3.2257% | 2,674 |
| Noninterest income to average assets | 0.3572% | 3,325 |
| Noninterest expense to average assets | 2.0094% | 3,668 |
| Loan and lease loss provision to assets | 0.0537% | 1,966 |
| Net operating income to assets | 1.3842% | 1,609 |
| Return on assets (ROA) | 1.3953% | 1,651 |
| Pretax return on assets | 1.3953% | 2,357 |
| Return on Equity (ROE) | 13.0401% | 1,702 |
| Retained earnings to average equity (ytd only) | 8.9031% | 1,737 |
| Net charge-offs to loans | 0.0774% | 887 |
| Credit loss provision to net charge-offs | 111.1111% | 1,302 |
| Earnings coverage of net charge-offs (x) | 29.7607% | 1,313 |
| Efficiency ratio | 58.2894% | 3,247 |
| Assets per employee ($millions) | 8.9180% | 887 |
| Cash dividends to net income (ytd only)* | 31.7254% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6782% | 1,108 |
| Loan loss allowance to noncurrent loans | 96.6256% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.2266% | 544 |
| Noncurrent loans to loans | 1.7368% | 604 |
| Net loans and leases to total assets | 59.7946% | 2,451 |
| Net loans and leases to deposits | 67.0410% | 2,713 |
| Net loans and leases to core deposits | 72.4783% | 2,565 |
| Total domestic deposits to total assets | 89.1910% | 1,187 |
| Equity capital to assets | 10.5410% | 2,361 |
| Core capital (leverage) ratio | 10.7091% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $484,332,000 | 1,751 |
| Average earning assets | $463,965,000 | 1,713 |
| Average equity | $51,824,667 | 1,722 |
| Average total loans | $302,494,333 | 1,733 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 2,654 |
| Cost of funding earning assets | 0.3401% | 2,617 |
| Net interest margin | 3.2545% | 2,534 |
| Noninterest income to average assets | 0.3406% | 3,394 |
| Noninterest expense to average assets | 1.9950% | 3,727 |
| Loan and lease loss provision to assets | 0.1007% | 1,340 |
| Net operating income to assets | 1.3599% | 1,660 |
| Return on assets (ROA) | 1.3641% | 1,737 |
| Pretax return on assets | 1.3641% | 2,383 |
| Return on Equity (ROE) | 12.6499% | 1,767 |
| Retained earnings to average equity (ytd only) | 10.8061% | 1,449 |
| Net charge-offs to loans | 0.0371% | 1,103 |
| Credit loss provision to net charge-offs | 428.5714% | 624 |
| Earnings coverage of net charge-offs (x) | 62.1786% | 807 |
| Efficiency ratio | 57.7325% | 3,340 |
| Assets per employee ($millions) | 8.5140% | 983 |
| Cash dividends to net income (ytd only)* | 14.5756% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 1,005 |
| Loan loss allowance to noncurrent loans | 95.1471% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.2963% | 549 |
| Noncurrent loans to loans | 1.8070% | 638 |
| Net loans and leases to total assets | 60.9688% | 2,408 |
| Net loans and leases to deposits | 68.2688% | 2,672 |
| Net loans and leases to core deposits | 74.2220% | 2,493 |
| Total domestic deposits to total assets | 89.3070% | 1,166 |
| Equity capital to assets | 10.4453% | 2,321 |
| Core capital (leverage) ratio | 10.5842% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $476,793,000 | 1,762 |
| Average earning assets | $456,349,000 | 1,724 |
| Average equity | $51,415,500 | 1,723 |
| Average total loans | $301,883,000 | 1,734 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0398% | 2,609 |
| Cost of funding earning assets | 0.5235% | 2,792 |
| Net interest margin | 3.5163% | 2,423 |
| Noninterest income to average assets | 0.3267% | 3,504 |
| Noninterest expense to average assets | 2.1401% | 3,849 |
| Loan and lease loss provision to assets | 0.1270% | 2,772 |
| Net operating income to assets | 1.4102% | 997 |
| Return on assets (ROA) | 1.4603% | 979 |
| Pretax return on assets | 1.4603% | 1,469 |
| Return on Equity (ROE) | 13.3229% | 960 |
| Retained earnings to average equity (ytd only) | 10.3826% | 516 |
| Net charge-offs to loans | 0.1702% | 977 |
| Credit loss provision to net charge-offs | 114.0000% | 2,691 |
| Earnings coverage of net charge-offs (x) | 13.7940% | 2,259 |
| Efficiency ratio | 58.1975% | 3,699 |
| Assets per employee ($millions) | 8.2156% | 966 |
| Cash dividends to net income (ytd only)* | 22.0696% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6795% | 1,084 |
| Loan loss allowance to noncurrent loans | 81.7363% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.5454% | 462 |
| Noncurrent loans to loans | 2.0548% | 545 |
| Net loans and leases to total assets | 63.5561% | 2,425 |
| Net loans and leases to deposits | 71.7727% | 2,709 |
| Net loans and leases to core deposits | 78.6972% | 2,488 |
| Total domestic deposits to total assets | 88.5519% | 1,189 |
| Equity capital to assets | 11.1342% | 2,150 |
| Core capital (leverage) ratio | 10.7554% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $448,670,200 | 1,707 |
| Average earning assets | $427,525,800 | 1,670 |
| Average equity | $49,178,400 | 1,721 |
| Average total loans | $293,816,200 | 1,707 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1229% | 2,611 |
| Cost of funding earning assets | 0.5712% | 2,795 |
| Net interest margin | 3.5517% | 2,417 |
| Noninterest income to average assets | 0.3416% | 3,428 |
| Noninterest expense to average assets | 2.2128% | 3,651 |
| Loan and lease loss provision to assets | 0.1352% | 2,661 |
| Net operating income to assets | 1.3749% | 1,167 |
| Return on assets (ROA) | 1.4422% | 1,100 |
| Pretax return on assets | 1.4422% | 1,600 |
| Return on Equity (ROE) | 13.2124% | 1,049 |
| Retained earnings to average equity (ytd only) | 13.2124% | 313 |
| Net charge-offs to loans | 0.0988% | 1,324 |
| Credit loss provision to net charge-offs | 208.3333% | 2,079 |
| Earnings coverage of net charge-offs (x) | 23.2685% | 1,806 |
| Efficiency ratio | 59.4383% | 3,461 |
| Assets per employee ($millions) | 7.9617% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 769 |
| Loan loss allowance to noncurrent loans | 84.0352% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.6815% | 473 |
| Noncurrent loans to loans | 2.1104% | 563 |
| Net loans and leases to total assets | 64.0506% | 2,765 |
| Net loans and leases to deposits | 72.6232% | 3,077 |
| Net loans and leases to core deposits | 78.5594% | 2,962 |
| Total domestic deposits to total assets | 88.1959% | 1,119 |
| Equity capital to assets | 11.4593% | 2,040 |
| Core capital (leverage) ratio | 10.8876% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $443,766,000 | 1,697 |
| Average earning assets | $422,478,250 | 1,666 |
| Average equity | $48,438,000 | 1,739 |
| Average total loans | $291,593,000 | 1,715 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 2,729 |
| Cost of funding earning assets | 0.6331% | 2,793 |
| Net interest margin | 3.5777% | 2,554 |
| Noninterest income to average assets | 0.3528% | 3,364 |
| Noninterest expense to average assets | 2.2442% | 3,669 |
| Loan and lease loss provision to assets | 0.1499% | 2,505 |
| Net operating income to assets | 1.3614% | 1,201 |
| Return on assets (ROA) | 1.4277% | 1,144 |
| Pretax return on assets | 1.4277% | 1,651 |
| Return on Equity (ROE) | 13.3081% | 1,033 |
| Retained earnings to average equity (ytd only) | 13.3081% | 327 |
| Net charge-offs to loans | 0.0862% | 1,387 |
| Credit loss provision to net charge-offs | 264.0000% | 1,709 |
| Earnings coverage of net charge-offs (x) | 26.6240% | 1,517 |
| Efficiency ratio | 59.7582% | 3,441 |
| Assets per employee ($millions) | 8.0188% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 698 |
| Loan loss allowance to noncurrent loans | 66.6199% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.9463% | 380 |
| Noncurrent loans to loans | 2.6613% | 416 |
| Net loans and leases to total assets | 63.2600% | 2,965 |
| Net loans and leases to deposits | 71.3253% | 3,317 |
| Net loans and leases to core deposits | 77.1835% | 3,178 |
| Total domestic deposits to total assets | 88.6922% | 868 |
| Equity capital to assets | 10.9562% | 2,382 |
| Core capital (leverage) ratio | 10.7056% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $440,416,000 | 1,682 |
| Average earning assets | $418,873,333 | 1,652 |
| Average equity | $47,249,333 | 1,756 |
| Average total loans | $290,150,667 | 1,707 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3648% | 2,729 |
| Cost of funding earning assets | 0.7609% | 2,603 |
| Net interest margin | 3.6039% | 2,655 |
| Noninterest income to average assets | 0.3916% | 3,162 |
| Noninterest expense to average assets | 2.3023% | 3,766 |
| Loan and lease loss provision to assets | 0.1389% | 1,997 |
| Net operating income to assets | 1.3747% | 1,048 |
| Return on assets (ROA) | 1.4793% | 897 |
| Pretax return on assets | 1.4793% | 1,356 |
| Return on Equity (ROE) | 13.9457% | 708 |
| Retained earnings to average equity (ytd only) | 13.9457% | 258 |
| Net charge-offs to loans | 0.0778% | 1,248 |
| Credit loss provision to net charge-offs | 267.8571% | 1,249 |
| Earnings coverage of net charge-offs (x) | 29.1964% | 1,198 |
| Efficiency ratio | 60.3348% | 3,700 |
| Assets per employee ($millions) | 7.5002% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7636% | 762 |
| Loan loss allowance to noncurrent loans | 68.9897% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.9530% | 440 |
| Noncurrent loans to loans | 2.5564% | 460 |
| Net loans and leases to total assets | 65.4053% | 2,886 |
| Net loans and leases to deposits | 73.5923% | 3,314 |
| Net loans and leases to core deposits | 79.6661% | 3,228 |
| Total domestic deposits to total assets | 88.8751% | 719 |
| Equity capital to assets | 10.8040% | 3,048 |
| Core capital (leverage) ratio | 10.6068% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7321% | 1,188 |
| Memoranda: | ||
| Average total assets | $432,087,000 | 1,670 |
| Average earning assets | $410,557,500 | 1,633 |
| Average equity | $45,835,000 | 1,796 |
| Average total loans | $288,044,000 | 1,685 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 2,975 |
| Cost of funding earning assets | 0.8685% | 2,342 |
| Net interest margin | 3.6234% | 3,065 |
| Noninterest income to average assets | 0.3982% | 3,303 |
| Noninterest expense to average assets | 2.3057% | 3,933 |
| Loan and lease loss provision to assets | 0.0910% | 2,203 |
| Net operating income to assets | 1.4345% | 1,230 |
| Return on assets (ROA) | 1.4395% | 1,284 |
| Pretax return on assets | 1.4395% | 2,012 |
| Return on Equity (ROE) | 14.3604% | 829 |
| Retained earnings to average equity (ytd only) | 7.3936% | 1,210 |
| Net charge-offs to loans | 0.1555% | 1,289 |
| Credit loss provision to net charge-offs | 89.2774% | 2,662 |
| Earnings coverage of net charge-offs (x) | 14.9604% | 2,257 |
| Efficiency ratio | 60.1812% | 3,666 |
| Assets per employee ($millions) | 7.3993% | 899 |
| Cash dividends to net income (ytd only)* | 48.5139% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7503% | 718 |
| Loan loss allowance to noncurrent loans | 64.7302% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 2.0976% | 362 |
| Noncurrent loans to loans | 2.7041% | 384 |
| Net loans and leases to total assets | 65.5802% | 3,007 |
| Net loans and leases to deposits | 73.5505% | 3,388 |
| Net loans and leases to core deposits | 82.9328% | 3,047 |
| Total domestic deposits to total assets | 89.1635% | 605 |
| Equity capital to assets | 10.4089% | 3,533 |
| Core capital (leverage) ratio | 10.3363% | 3,153 |
| Tier 1 risk-based capital ratio | 15.9658% | 2,420 |
| Total risk-based capital ratio | 17.2226% | 2,365 |
| Memoranda: | ||
| Average total assets | $420,690,800 | 1,663 |
| Average earning assets | $398,600,800 | 1,638 |
| Average equity | $42,171,400 | 1,848 |
| Average total loans | $275,893,400 | 1,712 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 2,942 |
| Cost of funding earning assets | 0.8702% | 2,367 |
| Net interest margin | 3.6661% | 3,043 |
| Noninterest income to average assets | 0.4291% | 3,152 |
| Noninterest expense to average assets | 2.3450% | 3,830 |
| Loan and lease loss provision to assets | 0.1172% | 1,666 |
| Net operating income to assets | 1.4369% | 1,363 |
| Return on assets (ROA) | 1.4423% | 1,404 |
| Pretax return on assets | 1.4423% | 2,144 |
| Return on Equity (ROE) | 14.5311% | 879 |
| Retained earnings to average equity (ytd only) | 10.2533% | 694 |
| Net charge-offs to loans | 0.0781% | 1,710 |
| Credit loss provision to net charge-offs | 230.0000% | 1,169 |
| Earnings coverage of net charge-offs (x) | 30.4935% | 1,609 |
| Efficiency ratio | 60.1421% | 3,617 |
| Assets per employee ($millions) | 7.1001% | 988 |
| Cash dividends to net income (ytd only)* | 29.4391% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9558% | 503 |
| Loan loss allowance to noncurrent loans | 190.9387% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.9241% | 1,466 |
| Noncurrent loans to loans | 1.0243% | 1,566 |
| Net loans and leases to total assets | 63.0406% | 3,385 |
| Net loans and leases to deposits | 70.8791% | 3,699 |
| Net loans and leases to core deposits | 80.0848% | 3,385 |
| Total domestic deposits to total assets | 88.9410% | 631 |
| Equity capital to assets | 10.6233% | 3,440 |
| Core capital (leverage) ratio | 10.5811% | 3,023 |
| Tier 1 risk-based capital ratio | 17.3095% | 1,997 |
| Total risk-based capital ratio | 18.5695% | 1,953 |
| Memoranda: | ||
| Average total assets | $418,573,500 | 1,686 |
| Average earning assets | $396,200,500 | 1,653 |
| Average equity | $41,546,500 | 1,874 |
| Average total loans | $273,252,250 | 1,733 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5420% | 2,879 |
| Cost of funding earning assets | 0.8441% | 2,422 |
| Net interest margin | 3.6979% | 2,933 |
| Noninterest income to average assets | 0.4421% | 3,002 |
| Noninterest expense to average assets | 2.3496% | 3,869 |
| Loan and lease loss provision to assets | 0.1391% | 1,336 |
| Net operating income to assets | 1.4587% | 1,267 |
| Return on assets (ROA) | 1.4596% | 1,321 |
| Pretax return on assets | 1.4596% | 1,996 |
| Return on Equity (ROE) | 15.0587% | 746 |
| Retained earnings to average equity (ytd only) | 10.9069% | 558 |
| Net charge-offs to loans | 0.0248% | 2,354 |
| Credit loss provision to net charge-offs | 855.8824% | 398 |
| Earnings coverage of net charge-offs (x) | 98.3235% | 706 |
| Efficiency ratio | 59.5229% | 3,796 |
| Assets per employee ($millions) | 6.9557% | 1,017 |
| Cash dividends to net income (ytd only)* | 27.5704% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9360% | 532 |
| Loan loss allowance to noncurrent loans | 223.0285% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.6378% | 2,132 |
| Noncurrent loans to loans | 0.8680% | 1,866 |
| Net loans and leases to total assets | 63.4749% | 3,398 |
| Net loans and leases to deposits | 71.0711% | 3,760 |
| Net loans and leases to core deposits | 80.7910% | 3,360 |
| Total domestic deposits to total assets | 89.3118% | 534 |
| Equity capital to assets | 10.2637% | 3,732 |
| Core capital (leverage) ratio | 10.3210% | 3,263 |
| Tier 1 risk-based capital ratio | 16.5646% | 2,213 |
| Total risk-based capital ratio | 17.8244% | 2,162 |
| Memoranda: | ||
| Average total assets | $418,462,000 | 1,691 |
| Average earning assets | $396,653,670 | 1,643 |
| Average equity | $40,561,330 | 1,907 |
| Average total loans | $274,553,000 | 1,736 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 2,908 |
| Cost of funding earning assets | 0.8190% | 2,431 |
| Net interest margin | 3.6711% | 3,002 |
| Noninterest income to average assets | 0.3899% | 3,259 |
| Noninterest expense to average assets | 2.3853% | 3,809 |
| Loan and lease loss provision to assets | 0.1405% | 1,218 |
| Net operating income to assets | 1.3419% | 1,553 |
| Return on assets (ROA) | 1.3438% | 1,584 |
| Pretax return on assets | 1.3438% | 2,276 |
| Return on Equity (ROE) | 14.2932% | 902 |
| Retained earnings to average equity (ytd only) | 14.2932% | 332 |
| Net charge-offs to loans | 0.0117% | 2,271 |
| Credit loss provision to net charge-offs | 1,825.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 192.5000% | 404 |
| Efficiency ratio | 61.6725% | 3,584 |
| Assets per employee ($millions) | 7.0353% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8944% | 597 |
| Loan loss allowance to noncurrent loans | 229.4481% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 2,138 |
| Noncurrent loans to loans | 0.8256% | 1,992 |
| Net loans and leases to total assets | 63.7586% | 3,319 |
| Net loans and leases to deposits | 70.8502% | 3,698 |
| Net loans and leases to core deposits | 79.8959% | 3,382 |
| Total domestic deposits to total assets | 89.9908% | 449 |
| Equity capital to assets | 9.6136% | 4,159 |
| Core capital (leverage) ratio | 10.3320% | 3,242 |
| Tier 1 risk-based capital ratio | 16.3100% | 2,333 |
| Total risk-based capital ratio | 17.5693% | 2,275 |
| Memoranda: | ||
| Average total assets | $415,543,000 | 1,706 |
| Average earning assets | $393,673,500 | 1,664 |
| Average equity | $39,067,500 | 1,969 |
| Average total loans | $274,509,000 | 1,745 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 2,856 |
| Cost of funding earning assets | 0.6054% | 2,676 |
| Net interest margin | 3.7661% | 2,800 |
| Noninterest income to average assets | 0.3897% | 3,499 |
| Noninterest expense to average assets | 2.4078% | 3,859 |
| Loan and lease loss provision to assets | 0.1390% | 1,549 |
| Net operating income to assets | 1.4174% | 1,372 |
| Return on assets (ROA) | 1.4034% | 1,411 |
| Pretax return on assets | 1.4034% | 2,126 |
| Return on Equity (ROE) | 15.5813% | 709 |
| Retained earnings to average equity (ytd only) | 7.4397% | 1,488 |
| Net charge-offs to loans | 0.0613% | 2,253 |
| Credit loss provision to net charge-offs | 344.5122% | 912 |
| Earnings coverage of net charge-offs (x) | 38.5793% | 1,352 |
| Efficiency ratio | 60.7384% | 3,738 |
| Assets per employee ($millions) | 6.5962% | 1,177 |
| Cash dividends to net income (ytd only)* | 52.2524% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8421% | 635 |
| Loan loss allowance to noncurrent loans | 217.2606% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.6903% | 2,006 |
| Noncurrent loans to loans | 0.8479% | 1,904 |
| Net loans and leases to total assets | 65.9280% | 3,144 |
| Net loans and leases to deposits | 72.9444% | 3,591 |
| Net loans and leases to core deposits | 82.9990% | 3,182 |
| Total domestic deposits to total assets | 90.3811% | 356 |
| Equity capital to assets | 9.1827% | 4,421 |
| Core capital (leverage) ratio | 10.1750% | 3,380 |
| Tier 1 risk-based capital ratio | 15.9454% | 2,424 |
| Total risk-based capital ratio | 17.2043% | 2,361 |
| Memoranda: | ||
| Average total assets | $406,506,000 | 1,687 |
| Average earning assets | $385,836,200 | 1,645 |
| Average equity | $36,614,400 | 2,004 |
| Average total loans | $267,393,800 | 1,743 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3189% | 2,898 |
| Cost of funding earning assets | 0.5502% | 2,857 |
| Net interest margin | 3.7688% | 2,760 |
| Noninterest income to average assets | 0.3860% | 3,562 |
| Noninterest expense to average assets | 2.4108% | 3,832 |
| Loan and lease loss provision to assets | 0.1426% | 1,397 |
| Net operating income to assets | 1.4105% | 1,451 |
| Return on assets (ROA) | 1.4056% | 1,462 |
| Pretax return on assets | 1.4056% | 2,206 |
| Return on Equity (ROE) | 15.6824% | 751 |
| Retained earnings to average equity (ytd only) | 10.5111% | 762 |
| Net charge-offs to loans | -0.0146% | 4,504 |
| Credit loss provision to net charge-offs | -1,496.5517% | 4,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8188% | 3,684 |
| Assets per employee ($millions) | 6.7188% | 1,072 |
| Cash dividends to net income (ytd only)* | 32.9751% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8891% | 610 |
| Loan loss allowance to noncurrent loans | 224.7477% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6912% | 2,126 |
| Noncurrent loans to loans | 0.8405% | 2,023 |
| Net loans and leases to total assets | 64.9051% | 3,316 |
| Net loans and leases to deposits | 72.9346% | 3,685 |
| Net loans and leases to core deposits | 82.6993% | 3,276 |
| Total domestic deposits to total assets | 88.9908% | 850 |
| Equity capital to assets | 8.9435% | 4,600 |
| Core capital (leverage) ratio | 10.2797% | 3,321 |
| Tier 1 risk-based capital ratio | 15.1238% | 2,829 |
| Total risk-based capital ratio | 16.3814% | 2,749 |
| Memoranda: | ||
| Average total assets | $405,891,000 | 1,697 |
| Average earning assets | $385,332,750 | 1,652 |
| Average equity | $36,379,500 | 2,015 |
| Average total loans | $265,571,500 | 1,760 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 2,762 |
| Cost of funding earning assets | 0.5104% | 2,928 |
| Net interest margin | 3.7890% | 2,598 |
| Noninterest income to average assets | 0.3831% | 3,597 |
| Noninterest expense to average assets | 2.4371% | 3,804 |
| Loan and lease loss provision to assets | 0.1429% | 1,355 |
| Net operating income to assets | 1.4035% | 1,431 |
| Return on assets (ROA) | 1.3960% | 1,458 |
| Pretax return on assets | 1.3960% | 2,163 |
| Return on Equity (ROE) | 15.5645% | 747 |
| Retained earnings to average equity (ytd only) | 10.5325% | 781 |
| Net charge-offs to loans | -0.0933% | 5,138 |
| Credit loss provision to net charge-offs | -234.9593% | 4,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1814% | 3,745 |
| Assets per employee ($millions) | 6.6524% | 1,096 |
| Cash dividends to net income (ytd only)* | 32.3300% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 620 |
| Loan loss allowance to noncurrent loans | 221.8285% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6852% | 2,193 |
| Noncurrent loans to loans | 0.8615% | 2,002 |
| Net loans and leases to total assets | 65.2079% | 3,249 |
| Net loans and leases to deposits | 71.9816% | 3,712 |
| Net loans and leases to core deposits | 79.1282% | 3,487 |
| Total domestic deposits to total assets | 90.5896% | 363 |
| Equity capital to assets | 9.0584% | 4,517 |
| Core capital (leverage) ratio | 10.0148% | 3,561 |
| Tier 1 risk-based capital ratio | 16.2246% | 2,359 |
| Total risk-based capital ratio | 17.4843% | 2,297 |
| Memoranda: | ||
| Average total assets | $404,571,670 | 1,707 |
| Average earning assets | $384,432,670 | 1,663 |
| Average equity | $36,287,670 | 2,021 |
| Average total loans | $263,717,000 | 1,773 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1997% | 2,883 |
| Cost of funding earning assets | 0.4827% | 2,930 |
| Net interest margin | 3.7170% | 2,737 |
| Noninterest income to average assets | 0.3781% | 3,602 |
| Noninterest expense to average assets | 2.4582% | 3,786 |
| Loan and lease loss provision to assets | 0.1404% | 1,344 |
| Net operating income to assets | 1.3111% | 1,607 |
| Return on assets (ROA) | 1.3111% | 1,613 |
| Pretax return on assets | 1.3111% | 2,321 |
| Return on Equity (ROE) | 14.6891% | 862 |
| Retained earnings to average equity (ytd only) | 14.6891% | 350 |
| Net charge-offs to loans | -0.0015% | 3,785 |
| Credit loss provision to net charge-offs | -14,300.0000% | 4,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8736% | 3,653 |
| Assets per employee ($millions) | 6.8290% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8094% | 775 |
| Loan loss allowance to noncurrent loans | 240.0300% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 2,810 |
| Noncurrent loans to loans | 0.7538% | 2,320 |
| Net loans and leases to total assets | 63.6138% | 3,359 |
| Net loans and leases to deposits | 69.9641% | 3,786 |
| Net loans and leases to core deposits | 75.9698% | 3,668 |
| Total domestic deposits to total assets | 90.9235% | 344 |
| Equity capital to assets | 8.7978% | 4,742 |
| Core capital (leverage) ratio | 9.8340% | 3,725 |
| Tier 1 risk-based capital ratio | 14.9822% | 2,874 |
| Total risk-based capital ratio | 16.2392% | 2,802 |
| Memoranda: | ||
| Average total assets | $407,285,000 | 1,706 |
| Average earning assets | $386,979,500 | 1,663 |
| Average equity | $36,353,500 | 2,025 |
| Average total loans | $262,903,000 | 1,781 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2283% | 2,586 |
| Cost of funding earning assets | 0.4882% | 2,437 |
| Net interest margin | 3.7400% | 2,633 |
| Noninterest income to average assets | 0.2803% | 4,454 |
| Noninterest expense to average assets | 2.3453% | 4,218 |
| Loan and lease loss provision to assets | 0.1371% | 1,670 |
| Net operating income to assets | 1.3622% | 1,092 |
| Return on assets (ROA) | 1.3706% | 1,094 |
| Pretax return on assets | 1.3706% | 2,092 |
| Return on Equity (ROE) | 14.4801% | 691 |
| Retained earnings to average equity (ytd only) | 5.1386% | 2,037 |
| Net charge-offs to loans | 0.0414% | 2,954 |
| Credit loss provision to net charge-offs | 464.2105% | 675 |
| Earnings coverage of net charge-offs (x) | 50.7789% | 1,072 |
| Efficiency ratio | 61.0024% | 4,116 |
| Assets per employee ($millions) | 8.1249% | 612 |
| Cash dividends to net income (ytd only)* | 64.5125% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9560% | 583 |
| Loan loss allowance to noncurrent loans | 242.1328% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 2,525 |
| Noncurrent loans to loans | 0.8078% | 2,194 |
| Net loans and leases to total assets | 69.6993% | 2,566 |
| Net loans and leases to deposits | 77.0822% | 3,219 |
| Net loans and leases to core deposits | 84.8461% | 2,996 |
| Total domestic deposits to total assets | 90.4221% | 422 |
| Equity capital to assets | 9.1847% | 4,543 |
| Core capital (leverage) ratio | 9.7554% | 3,739 |
| Tier 1 risk-based capital ratio | 13.9608% | 3,385 |
| Total risk-based capital ratio | 15.2203% | 3,285 |
| Memoranda: | ||
| Average total assets | $321,754,200 | 2,057 |
| Average earning assets | $306,627,200 | 2,009 |
| Average equity | $30,455,600 | 2,326 |
| Average total loans | $229,226,200 | 1,941 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 2,550 |
| Cost of funding earning assets | 0.4778% | 2,450 |
| Net interest margin | 3.7389% | 2,622 |
| Noninterest income to average assets | 0.2901% | 4,457 |
| Noninterest expense to average assets | 2.3003% | 4,296 |
| Loan and lease loss provision to assets | 0.1426% | 1,480 |
| Net operating income to assets | 1.4135% | 1,061 |
| Return on assets (ROA) | 1.4244% | 1,066 |
| Pretax return on assets | 1.4244% | 2,044 |
| Return on Equity (ROE) | 14.9325% | 659 |
| Retained earnings to average equity (ytd only) | 6.1887% | 2,114 |
| Net charge-offs to loans | 0.0440% | 2,561 |
| Credit loss provision to net charge-offs | 454.6667% | 698 |
| Earnings coverage of net charge-offs (x) | 49.6254% | 1,118 |
| Efficiency ratio | 59.6487% | 4,272 |
| Assets per employee ($millions) | 8.1325% | 604 |
| Cash dividends to net income (ytd only)* | 58.5559% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9559% | 619 |
| Loan loss allowance to noncurrent loans | 264.5555% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 2,851 |
| Noncurrent loans to loans | 0.7393% | 2,510 |
| Net loans and leases to total assets | 70.1608% | 2,531 |
| Net loans and leases to deposits | 77.9540% | 3,167 |
| Net loans and leases to core deposits | 86.1565% | 2,950 |
| Total domestic deposits to total assets | 90.0028% | 473 |
| Equity capital to assets | 9.6059% | 4,338 |
| Core capital (leverage) ratio | 9.8195% | 3,799 |
| Tier 1 risk-based capital ratio | 13.7847% | 3,531 |
| Total risk-based capital ratio | 15.0435% | 3,467 |
| Memoranda: | ||
| Average total assets | $318,912,500 | 2,082 |
| Average earning assets | $304,180,500 | 2,035 |
| Average equity | $30,420,500 | 2,349 |
| Average total loans | $227,329,000 | 1,959 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 2,508 |
| Cost of funding earning assets | 0.4648% | 2,456 |
| Net interest margin | 3.7247% | 2,566 |
| Noninterest income to average assets | 0.2892% | 4,489 |
| Noninterest expense to average assets | 2.2905% | 4,373 |
| Loan and lease loss provision to assets | 0.1395% | 1,476 |
| Net operating income to assets | 1.4104% | 1,045 |
| Return on assets (ROA) | 1.4212% | 1,041 |
| Pretax return on assets | 1.4212% | 1,934 |
| Return on Equity (ROE) | 14.9346% | 668 |
| Retained earnings to average equity (ytd only) | 6.1105% | 2,054 |
| Net charge-offs to loans | 0.0514% | 2,188 |
| Credit loss provision to net charge-offs | 381.0345% | 810 |
| Earnings coverage of net charge-offs (x) | 42.3276% | 1,207 |
| Efficiency ratio | 59.6416% | 4,371 |
| Assets per employee ($millions) | 8.4860% | 510 |
| Cash dividends to net income (ytd only)* | 59.0849% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9614% | 644 |
| Loan loss allowance to noncurrent loans | 273.9532% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 3,020 |
| Noncurrent loans to loans | 0.7160% | 2,599 |
| Net loans and leases to total assets | 68.9619% | 2,673 |
| Net loans and leases to deposits | 76.5152% | 3,286 |
| Net loans and leases to core deposits | 84.5089% | 3,014 |
| Total domestic deposits to total assets | 90.1283% | 497 |
| Equity capital to assets | 9.5485% | 4,362 |
| Core capital (leverage) ratio | 9.7682% | 3,815 |
| Tier 1 risk-based capital ratio | 13.8779% | 3,485 |
| Total risk-based capital ratio | 15.1367% | 3,408 |
| Memoranda: | ||
| Average total assets | $316,783,330 | 2,094 |
| Average earning assets | $302,041,670 | 2,042 |
| Average equity | $30,144,670 | 2,363 |
| Average total loans | $225,510,000 | 1,975 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0548% | 2,831 |
| Cost of funding earning assets | 0.4597% | 2,435 |
| Net interest margin | 3.5950% | 2,903 |
| Noninterest income to average assets | 0.2892% | 4,484 |
| Noninterest expense to average assets | 2.3062% | 4,395 |
| Loan and lease loss provision to assets | 0.1287% | 1,493 |
| Net operating income to assets | 1.2818% | 1,290 |
| Return on assets (ROA) | 1.2971% | 1,284 |
| Pretax return on assets | 1.2971% | 2,245 |
| Return on Equity (ROE) | 13.6546% | 870 |
| Retained earnings to average equity (ytd only) | 13.6546% | 321 |
| Net charge-offs to loans | -0.0036% | 4,094 |
| Credit loss provision to net charge-offs | -5,050.0000% | 4,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0501% | 4,140 |
| Assets per employee ($millions) | 8.3299% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 740 |
| Loan loss allowance to noncurrent loans | 263.4454% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 3,065 |
| Noncurrent loans to loans | 0.7373% | 2,651 |
| Net loans and leases to total assets | 70.0007% | 2,378 |
| Net loans and leases to deposits | 77.7159% | 3,011 |
| Net loans and leases to core deposits | 85.9119% | 2,723 |
| Total domestic deposits to total assets | 90.0726% | 624 |
| Equity capital to assets | 9.6219% | 4,163 |
| Core capital (leverage) ratio | 10.0090% | 3,482 |
| Tier 1 risk-based capital ratio | 14.5451% | 3,176 |
| Total risk-based capital ratio | 15.8046% | 3,104 |
| Memoranda: | ||
| Average total assets | $313,941,000 | 2,128 |
| Average earning assets | $299,300,500 | 2,073 |
| Average equity | $29,821,500 | 2,397 |
| Average total loans | $224,850,500 | 1,989 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1586% | 2,633 |
| Cost of funding earning assets | 0.4629% | 2,418 |
| Net interest margin | 3.6957% | 2,709 |
| Noninterest income to average assets | 0.2620% | 4,859 |
| Noninterest expense to average assets | 2.3052% | 4,547 |
| Loan and lease loss provision to assets | 0.1198% | 2,065 |
| Net operating income to assets | 1.3450% | 1,105 |
| Return on assets (ROA) | 1.3812% | 1,093 |
| Pretax return on assets | 1.3812% | 2,010 |
| Return on Equity (ROE) | 13.6531% | 834 |
| Retained earnings to average equity (ytd only) | 3.2321% | 3,616 |
| Net charge-offs to loans | 0.0332% | 3,361 |
| Credit loss provision to net charge-offs | 497.2222% | 668 |
| Earnings coverage of net charge-offs (x) | 60.7917% | 879 |
| Efficiency ratio | 61.1451% | 4,391 |
| Assets per employee ($millions) | 8.6485% | 480 |
| Cash dividends to net income (ytd only)* | 76.3266% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9157% | 781 |
| Loan loss allowance to noncurrent loans | 289.7904% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 3,241 |
| Noncurrent loans to loans | 0.6611% | 2,872 |
| Net loans and leases to total assets | 70.4839% | 2,407 |
| Net loans and leases to deposits | 78.1023% | 3,090 |
| Net loans and leases to core deposits | 87.3095% | 2,748 |
| Total domestic deposits to total assets | 90.2455% | 540 |
| Equity capital to assets | 9.3742% | 4,401 |
| Core capital (leverage) ratio | 9.9026% | 3,620 |
| Tier 1 risk-based capital ratio | 14.4714% | 3,207 |
| Total risk-based capital ratio | 15.7313% | 3,135 |
| Memoranda: | ||
| Average total assets | $298,799,600 | 2,171 |
| Average earning assets | $283,627,600 | 2,133 |
| Average equity | $30,227,600 | 2,334 |
| Average total loans | $216,933,800 | 1,992 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1733% | 2,598 |
| Cost of funding earning assets | 0.4594% | 2,464 |
| Net interest margin | 3.7139% | 2,667 |
| Noninterest income to average assets | 0.2742% | 4,811 |
| Noninterest expense to average assets | 2.3616% | 4,377 |
| Loan and lease loss provision to assets | 0.1195% | 1,939 |
| Net operating income to assets | 1.3150% | 1,247 |
| Return on assets (ROA) | 1.3628% | 1,217 |
| Pretax return on assets | 1.3628% | 2,186 |
| Return on Equity (ROE) | 13.2158% | 995 |
| Retained earnings to average equity (ytd only) | 3.8134% | 3,597 |
| Net charge-offs to loans | 0.0149% | 3,435 |
| Credit loss provision to net charge-offs | 1,104.1667% | 372 |
| Earnings coverage of net charge-offs (x) | 132.5384% | 514 |
| Efficiency ratio | 62.2119% | 4,190 |
| Assets per employee ($millions) | 8.4628% | 489 |
| Cash dividends to net income (ytd only)* | 71.1451% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8807% | 878 |
| Loan loss allowance to noncurrent loans | 274.5631% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 3,291 |
| Noncurrent loans to loans | 0.6850% | 2,981 |
| Net loans and leases to total assets | 72.6404% | 2,079 |
| Net loans and leases to deposits | 81.2136% | 2,829 |
| Net loans and leases to core deposits | 91.1610% | 2,468 |
| Total domestic deposits to total assets | 89.4437% | 705 |
| Equity capital to assets | 10.1588% | 3,971 |
| Core capital (leverage) ratio | 10.1955% | 3,334 |
| Tier 1 risk-based capital ratio | 14.2553% | 3,431 |
| Total risk-based capital ratio | 15.5144% | 3,346 |
| Memoranda: | ||
| Average total assets | $295,663,250 | 2,198 |
| Average earning assets | $280,378,000 | 2,156 |
| Average equity | $30,488,000 | 2,333 |
| Average total loans | $215,233,750 | 2,009 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 2,678 |
| Cost of funding earning assets | 0.4507% | 2,561 |
| Net interest margin | 3.6985% | 2,703 |
| Noninterest income to average assets | 0.3007% | 4,637 |
| Noninterest expense to average assets | 2.3959% | 4,348 |
| Loan and lease loss provision to assets | 0.1333% | 1,719 |
| Net operating income to assets | 1.2875% | 1,310 |
| Return on assets (ROA) | 1.3353% | 1,276 |
| Pretax return on assets | 1.3353% | 2,263 |
| Return on Equity (ROE) | 12.8832% | 1,061 |
| Retained earnings to average equity (ytd only) | 2.9933% | 4,010 |
| Net charge-offs to loans | 0.0227% | 3,040 |
| Credit loss provision to net charge-offs | 812.5000% | 444 |
| Earnings coverage of net charge-offs (x) | 86.6250% | 654 |
| Efficiency ratio | 62.7753% | 4,209 |
| Assets per employee ($millions) | 7.7930% | 618 |
| Cash dividends to net income (ytd only)* | 76.7656% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9188% | 863 |
| Loan loss allowance to noncurrent loans | 379.2727% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 3,747 |
| Noncurrent loans to loans | 0.5059% | 3,568 |
| Net loans and leases to total assets | 72.0114% | 2,166 |
| Net loans and leases to deposits | 80.6785% | 2,854 |
| Net loans and leases to core deposits | 91.1652% | 2,422 |
| Total domestic deposits to total assets | 89.2573% | 781 |
| Equity capital to assets | 10.3585% | 3,780 |
| Core capital (leverage) ratio | 10.3180% | 3,168 |
| Tier 1 risk-based capital ratio | 13.7324% | 3,752 |
| Total risk-based capital ratio | 14.9908% | 3,673 |
| Memoranda: | ||
| Average total assets | $292,664,000 | 2,229 |
| Average earning assets | $278,223,670 | 2,180 |
| Average equity | $30,334,000 | 2,343 |
| Average total loans | $211,795,330 | 2,036 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1398% | 2,686 |
| Cost of funding earning assets | 0.4450% | 2,638 |
| Net interest margin | 3.6948% | 2,691 |
| Noninterest income to average assets | 0.2819% | 4,700 |
| Noninterest expense to average assets | 2.4350% | 4,275 |
| Loan and lease loss provision to assets | 0.1114% | 1,872 |
| Net operating income to assets | 1.2512% | 1,402 |
| Return on assets (ROA) | 1.2965% | 1,347 |
| Pretax return on assets | 1.2965% | 2,321 |
| Return on Equity (ROE) | 12.5052% | 1,153 |
| Retained earnings to average equity (ytd only) | 12.5052% | 437 |
| Net charge-offs to loans | 0.0191% | 2,552 |
| Credit loss provision to net charge-offs | 810.0000% | 430 |
| Earnings coverage of net charge-offs (x) | 99.1000% | 541 |
| Efficiency ratio | 64.1202% | 4,105 |
| Assets per employee ($millions) | 7.5305% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9151% | 946 |
| Loan loss allowance to noncurrent loans | 644.4620% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 4,427 |
| Noncurrent loans to loans | 0.2972% | 4,366 |
| Net loans and leases to total assets | 71.0289% | 2,187 |
| Net loans and leases to deposits | 79.6253% | 2,849 |
| Net loans and leases to core deposits | 89.3586% | 2,435 |
| Total domestic deposits to total assets | 89.2039% | 1,000 |
| Equity capital to assets | 10.4723% | 3,534 |
| Core capital (leverage) ratio | 10.4740% | 3,003 |
| Tier 1 risk-based capital ratio | 14.1621% | 3,591 |
| Total risk-based capital ratio | 15.4203% | 3,511 |
| Memoranda: | ||
| Average total assets | $290,928,500 | 2,241 |
| Average earning assets | $276,823,500 | 2,201 |
| Average equity | $30,163,500 | 2,357 |
| Average total loans | $208,981,500 | 2,063 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 2,556 |
| Cost of funding earning assets | 0.4263% | 2,882 |
| Net interest margin | 3.7747% | 2,461 |
| Noninterest income to average assets | 0.3762% | 4,217 |
| Noninterest expense to average assets | 2.4565% | 4,369 |
| Loan and lease loss provision to assets | 0.1318% | 1,815 |
| Net operating income to assets | 1.3914% | 1,050 |
| Return on assets (ROA) | 1.3993% | 1,082 |
| Pretax return on assets | 1.3993% | 1,907 |
| Return on Equity (ROE) | 13.3700% | 979 |
| Retained earnings to average equity (ytd only) | 3.7858% | 3,342 |
| Net charge-offs to loans | 0.1763% | 1,625 |
| Credit loss provision to net charge-offs | 101.3774% | 2,471 |
| Earnings coverage of net charge-offs (x) | 11.7135% | 2,540 |
| Efficiency ratio | 61.7247% | 4,651 |
| Assets per employee ($millions) | 7.5834% | 666 |
| Cash dividends to net income (ytd only)* | 71.6846% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9490% | 881 |
| Loan loss allowance to noncurrent loans | 621.2733% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 4,239 |
| Noncurrent loans to loans | 0.3137% | 4,340 |
| Net loans and leases to total assets | 69.8499% | 2,388 |
| Net loans and leases to deposits | 78.1574% | 3,037 |
| Net loans and leases to core deposits | 86.6476% | 2,737 |
| Total domestic deposits to total assets | 89.3708% | 928 |
| Equity capital to assets | 10.2617% | 3,666 |
| Core capital (leverage) ratio | 10.4236% | 3,030 |
| Tier 1 risk-based capital ratio | 15.1346% | 3,112 |
| Total risk-based capital ratio | 16.3946% | 3,040 |
| Memoranda: | ||
| Average total assets | $279,140,600 | 2,278 |
| Average earning assets | $266,484,400 | 2,224 |
| Average equity | $29,214,600 | 2,374 |
| Average total loans | $205,876,400 | 2,021 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 2,555 |
| Cost of funding earning assets | 0.4222% | 2,989 |
| Net interest margin | 3.7845% | 2,443 |
| Noninterest income to average assets | 0.4064% | 4,047 |
| Noninterest expense to average assets | 2.4515% | 4,342 |
| Loan and lease loss provision to assets | 0.1661% | 1,274 |
| Net operating income to assets | 1.4061% | 1,095 |
| Return on assets (ROA) | 1.4104% | 1,131 |
| Pretax return on assets | 1.4104% | 1,973 |
| Return on Equity (ROE) | 13.4083% | 1,025 |
| Retained earnings to average equity (ytd only) | 3.7950% | 3,765 |
| Net charge-offs to loans | 0.1896% | 1,345 |
| Credit loss provision to net charge-offs | 117.7474% | 2,019 |
| Earnings coverage of net charge-offs (x) | 11.1432% | 2,527 |
| Efficiency ratio | 60.9263% | 4,747 |
| Assets per employee ($millions) | 7.3235% | 746 |
| Cash dividends to net income (ytd only)* | 71.6967% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8918% | 1,089 |
| Loan loss allowance to noncurrent loans | 593.6950% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 3,720 |
| Noncurrent loans to loans | 0.3186% | 4,454 |
| Net loans and leases to total assets | 73.5182% | 1,817 |
| Net loans and leases to deposits | 82.3095% | 2,608 |
| Net loans and leases to core deposits | 91.6427% | 2,301 |
| Total domestic deposits to total assets | 89.3192% | 858 |
| Equity capital to assets | 10.3083% | 3,804 |
| Core capital (leverage) ratio | 10.2930% | 3,263 |
| Tier 1 risk-based capital ratio | 14.5422% | 3,541 |
| Total risk-based capital ratio | 15.8019% | 3,455 |
| Memoranda: | ||
| Average total assets | $276,883,750 | 2,309 |
| Average earning assets | $264,649,250 | 2,254 |
| Average equity | $29,125,500 | 2,395 |
| Average total loans | $206,024,000 | 2,036 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2123% | 2,503 |
| Cost of funding earning assets | 0.4212% | 3,029 |
| Net interest margin | 3.7911% | 2,354 |
| Noninterest income to average assets | 0.4373% | 3,798 |
| Noninterest expense to average assets | 2.4689% | 4,334 |
| Loan and lease loss provision to assets | 0.1788% | 1,141 |
| Net operating income to assets | 1.4096% | 1,071 |
| Return on assets (ROA) | 1.4096% | 1,109 |
| Pretax return on assets | 1.4096% | 1,940 |
| Return on Equity (ROE) | 13.3081% | 1,052 |
| Retained earnings to average equity (ytd only) | 3.6595% | 3,694 |
| Net charge-offs to loans | 0.2085% | 1,215 |
| Credit loss provision to net charge-offs | 115.5660% | 1,861 |
| Earnings coverage of net charge-offs (x) | 10.2642% | 2,375 |
| Efficiency ratio | 60.8492% | 4,854 |
| Assets per employee ($millions) | 7.3843% | 708 |
| Cash dividends to net income (ytd only)* | 72.5013% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 1,178 |
| Loan loss allowance to noncurrent loans | 737.9121% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 4,030 |
| Noncurrent loans to loans | 0.2566% | 4,760 |
| Net loans and leases to total assets | 72.4936% | 1,899 |
| Net loans and leases to deposits | 80.9115% | 2,679 |
| Net loans and leases to core deposits | 88.6663% | 2,490 |
| Total domestic deposits to total assets | 89.5961% | 850 |
| Equity capital to assets | 10.0341% | 4,001 |
| Core capital (leverage) ratio | 10.1689% | 3,376 |
| Tier 1 risk-based capital ratio | 14.4265% | 3,679 |
| Total risk-based capital ratio | 15.6861% | 3,597 |
| Memoranda: | ||
| Average total assets | $273,973,330 | 2,346 |
| Average earning assets | $261,614,000 | 2,286 |
| Average equity | $29,020,000 | 2,416 |
| Average total loans | $203,356,000 | 2,060 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2987% | 2,104 |
| Cost of funding earning assets | 0.4336% | 2,938 |
| Net interest margin | 3.8650% | 2,013 |
| Noninterest income to average assets | 0.5948% | 2,677 |
| Noninterest expense to average assets | 2.5052% | 4,247 |
| Loan and lease loss provision to assets | 0.1873% | 1,008 |
| Net operating income to assets | 1.5882% | 723 |
| Return on assets (ROA) | 1.5882% | 761 |
| Pretax return on assets | 1.5882% | 1,296 |
| Return on Equity (ROE) | 14.5797% | 776 |
| Retained earnings to average equity (ytd only) | 14.5797% | 318 |
| Net charge-offs to loans | -0.0081% | 4,636 |
| Credit loss provision to net charge-offs | -3,125.0000% | 5,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5229% | 5,280 |
| Assets per employee ($millions) | 7.2465% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0449% | 1,000 |
| Loan loss allowance to noncurrent loans | 520.1765% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.4593% | 4,194 |
| Noncurrent loans to loans | 0.3931% | 4,415 |
| Net loans and leases to total assets | 69.9180% | 2,155 |
| Net loans and leases to deposits | 78.4206% | 2,748 |
| Net loans and leases to core deposits | 86.3563% | 2,507 |
| Total domestic deposits to total assets | 89.1576% | 1,169 |
| Equity capital to assets | 10.5175% | 3,514 |
| Core capital (leverage) ratio | 11.6938% | 1,856 |
| Tier 1 risk-based capital ratio | 15.0975% | 3,381 |
| Total risk-based capital ratio | 16.3584% | 3,292 |
| Memoranda: | ||
| Average total assets | $266,966,500 | 2,412 |
| Average earning assets | $254,590,500 | 2,349 |
| Average equity | $29,081,500 | 2,423 |
| Average total loans | $198,633,500 | 2,093 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 2,050 |
| Cost of funding earning assets | 0.5045% | 2,623 |
| Net interest margin | 3.9501% | 2,050 |
| Noninterest income to average assets | 0.5031% | 3,479 |
| Noninterest expense to average assets | 2.3382% | 5,004 |
| Loan and lease loss provision to assets | 0.2662% | 821 |
| Net operating income to assets | 1.6757% | 604 |
| Return on assets (ROA) | 1.6798% | 627 |
| Pretax return on assets | 1.6798% | 1,027 |
| Return on Equity (ROE) | 15.4162% | 709 |
| Retained earnings to average equity (ytd only) | 4.0165% | 3,349 |
| Net charge-offs to loans | 0.1050% | 3,009 |
| Credit loss provision to net charge-offs | 319.9005% | 821 |
| Earnings coverage of net charge-offs (x) | 23.3333% | 1,589 |
| Efficiency ratio | 54.6290% | 5,792 |
| Assets per employee ($millions) | 7.6157% | 626 |
| Cash dividends to net income (ytd only)* | 73.9463% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0195% | 1,071 |
| Loan loss allowance to noncurrent loans | 283.0824% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 3,873 |
| Noncurrent loans to loans | 0.7134% | 3,537 |
| Net loans and leases to total assets | 76.2358% | 1,226 |
| Net loans and leases to deposits | 86.3714% | 1,931 |
| Net loans and leases to core deposits | 95.5853% | 1,759 |
| Total domestic deposits to total assets | 88.2651% | 1,632 |
| Equity capital to assets | 11.3159% | 2,591 |
| Core capital (leverage) ratio | 11.3657% | 2,079 |
| Tier 1 risk-based capital ratio | 14.6577% | 3,691 |
| Total risk-based capital ratio | 15.9175% | 3,613 |
| Memoranda: | ||
| Average total assets | $241,511,200 | 2,603 |
| Average earning assets | $230,930,800 | 2,511 |
| Average equity | $26,316,400 | 2,546 |
| Average total loans | $191,507,600 | 2,105 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 1,922 |
| Cost of funding earning assets | 0.5122% | 2,633 |
| Net interest margin | 3.9753% | 1,949 |
| Noninterest income to average assets | 0.5778% | 3,010 |
| Noninterest expense to average assets | 2.3040% | 5,090 |
| Loan and lease loss provision to assets | 0.2772% | 744 |
| Net operating income to assets | 1.8015% | 513 |
| Return on assets (ROA) | 1.8070% | 520 |
| Pretax return on assets | 1.8070% | 882 |
| Return on Equity (ROE) | 16.7530% | 583 |
| Retained earnings to average equity (ytd only) | 5.8946% | 2,468 |
| Net charge-offs to loans | -0.0035% | 5,244 |
| Credit loss provision to net charge-offs | -9,940.0000% | 6,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5706% | 5,952 |
| Assets per employee ($millions) | 7.0313% | 796 |
| Cash dividends to net income (ytd only)* | 64.8148% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0889% | 1,103 |
| Loan loss allowance to noncurrent loans | 245.3488% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7186% | 3,661 |
| Noncurrent loans to loans | 0.8514% | 3,437 |
| Net loans and leases to total assets | 78.6019% | 882 |
| Net loans and leases to deposits | 88.7510% | 1,583 |
| Net loans and leases to core deposits | 100.5835% | 1,320 |
| Total domestic deposits to total assets | 88.5645% | 1,467 |
| Equity capital to assets | 11.0255% | 2,932 |
| Core capital (leverage) ratio | 10.8302% | 2,666 |
| Tier 1 risk-based capital ratio | 14.8054% | 3,702 |
| Total risk-based capital ratio | 16.0676% | 3,629 |
| Memoranda: | ||
| Average total assets | $239,059,250 | 2,637 |
| Average earning assets | $228,810,000 | 2,550 |
| Average equity | $25,785,750 | 2,600 |
| Average total loans | $190,498,500 | 2,123 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 1,953 |
| Cost of funding earning assets | 0.5155% | 2,673 |
| Net interest margin | 3.9459% | 1,989 |
| Noninterest income to average assets | 0.7412% | 2,084 |
| Noninterest expense to average assets | 2.2630% | 5,245 |
| Loan and lease loss provision to assets | 0.2778% | 738 |
| Net operating income to assets | 1.9786% | 352 |
| Return on assets (ROA) | 1.9861% | 358 |
| Pretax return on assets | 1.9861% | 573 |
| Return on Equity (ROE) | 18.5505% | 406 |
| Retained earnings to average equity (ytd only) | 7.6109% | 1,476 |
| Net charge-offs to loans | -0.0032% | 5,102 |
| Credit loss provision to net charge-offs | -11,066.6667% | 5,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0740% | 6,171 |
| Assets per employee ($millions) | 7.3722% | 674 |
| Cash dividends to net income (ytd only)* | 58.9722% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9807% | 1,394 |
| Loan loss allowance to noncurrent loans | 188.8889% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.8706% | 3,366 |
| Noncurrent loans to loans | 1.0486% | 3,133 |
| Net loans and leases to total assets | 78.1541% | 892 |
| Net loans and leases to deposits | 87.8879% | 1,608 |
| Net loans and leases to core deposits | 99.4659% | 1,325 |
| Total domestic deposits to total assets | 88.9247% | 1,397 |
| Equity capital to assets | 10.7226% | 3,172 |
| Core capital (leverage) ratio | 10.9641% | 2,463 |
| Tier 1 risk-based capital ratio | 14.2107% | 4,121 |
| Total risk-based capital ratio | 15.4711% | 4,047 |
| Memoranda: | ||
| Average total assets | $239,058,000 | 2,646 |
| Average earning assets | $228,898,000 | 2,559 |
| Average equity | $25,595,000 | 2,608 |
| Average total loans | $190,025,670 | 2,126 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 1,861 |
| Cost of funding earning assets | 0.5274% | 2,635 |
| Net interest margin | 3.9562% | 1,903 |
| Noninterest income to average assets | 1.2610% | 696 |
| Noninterest expense to average assets | 2.2706% | 5,270 |
| Loan and lease loss provision to assets | 0.3039% | 632 |
| Net operating income to assets | 2.4731% | 151 |
| Return on assets (ROA) | 2.4883% | 155 |
| Pretax return on assets | 2.4883% | 226 |
| Return on Equity (ROE) | 23.2588% | 169 |
| Retained earnings to average equity (ytd only) | 23.2588% | 73 |
| Net charge-offs to loans | -0.0021% | 4,708 |
| Credit loss provision to net charge-offs | -18,000.0000% | 5,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9833% | 6,459 |
| Assets per employee ($millions) | 6.6903% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9730% | 1,568 |
| Loan loss allowance to noncurrent loans | 238.7055% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.7108% | 3,982 |
| Noncurrent loans to loans | 0.8266% | 3,820 |
| Net loans and leases to total assets | 76.0762% | 996 |
| Net loans and leases to deposits | 85.6964% | 1,638 |
| Net loans and leases to core deposits | 97.7268% | 1,256 |
| Total domestic deposits to total assets | 88.7740% | 1,790 |
| Equity capital to assets | 10.9059% | 2,817 |
| Core capital (leverage) ratio | 11.1892% | 2,234 |
| Tier 1 risk-based capital ratio | 14.7531% | 3,850 |
| Total risk-based capital ratio | 16.0128% | 3,791 |
| Memoranda: | ||
| Average total assets | $236,946,500 | 2,668 |
| Average earning assets | $226,785,000 | 2,588 |
| Average equity | $25,349,500 | 2,618 |
| Average total loans | $188,050,500 | 2,153 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 1,581 |
| Cost of funding earning assets | 0.5745% | 2,888 |
| Net interest margin | 4.1217% | 1,584 |
| Noninterest income to average assets | 0.3551% | 4,767 |
| Noninterest expense to average assets | 2.3488% | 5,237 |
| Loan and lease loss provision to assets | 0.2865% | 1,203 |
| Net operating income to assets | 1.6359% | 642 |
| Return on assets (ROA) | 1.6359% | 658 |
| Pretax return on assets | 1.6359% | 1,088 |
| Return on Equity (ROE) | 15.2958% | 714 |
| Retained earnings to average equity (ytd only) | 3.1915% | 3,961 |
| Net charge-offs to loans | 0.3711% | 1,820 |
| Credit loss provision to net charge-offs | 97.6471% | 2,545 |
| Earnings coverage of net charge-offs (x) | 6.5515% | 3,041 |
| Efficiency ratio | 54.9909% | 6,051 |
| Assets per employee ($millions) | 6.4734% | 993 |
| Cash dividends to net income (ytd only)* | 79.1348% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8538% | 1,914 |
| Loan loss allowance to noncurrent loans | 222.1026% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.8917% | 3,661 |
| Noncurrent loans to loans | 0.8346% | 3,894 |
| Net loans and leases to total assets | 79.6748% | 630 |
| Net loans and leases to deposits | 89.4143% | 1,293 |
| Net loans and leases to core deposits | 100.7133% | 1,101 |
| Total domestic deposits to total assets | 89.1075% | 1,547 |
| Equity capital to assets | 10.4840% | 3,182 |
| Core capital (leverage) ratio | 10.7701% | 2,603 |
| Tier 1 risk-based capital ratio | 14.3460% | 4,050 |
| Total risk-based capital ratio | 15.6051% | 3,991 |
| Memoranda: | ||
| Average total assets | $231,739,400 | 2,705 |
| Average earning assets | $220,178,800 | 2,616 |
| Average equity | $24,784,600 | 2,648 |
| Average total loans | $183,260,600 | 2,166 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 1,700 |
| Cost of funding earning assets | 0.5831% | 2,969 |
| Net interest margin | 4.0813% | 1,687 |
| Noninterest income to average assets | 0.3952% | 4,566 |
| Noninterest expense to average assets | 2.3340% | 5,234 |
| Loan and lease loss provision to assets | 0.2800% | 1,243 |
| Net operating income to assets | 1.6524% | 679 |
| Return on assets (ROA) | 1.6524% | 714 |
| Pretax return on assets | 1.6524% | 1,206 |
| Return on Equity (ROE) | 15.3739% | 735 |
| Retained earnings to average equity (ytd only) | 3.0447% | 4,496 |
| Net charge-offs to loans | 0.4878% | 1,318 |
| Credit loss provision to net charge-offs | 73.0827% | 3,000 |
| Earnings coverage of net charge-offs (x) | 5.0436% | 3,297 |
| Efficiency ratio | 54.7063% | 6,042 |
| Assets per employee ($millions) | 6.3007% | 1,043 |
| Cash dividends to net income (ytd only)* | 80.1954% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8278% | 2,213 |
| Loan loss allowance to noncurrent loans | 181.8923% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 1.0929% | 3,473 |
| Noncurrent loans to loans | 1.0049% | 3,798 |
| Net loans and leases to total assets | 79.2072% | 627 |
| Net loans and leases to deposits | 89.1481% | 1,251 |
| Net loans and leases to core deposits | 100.2556% | 1,097 |
| Total domestic deposits to total assets | 88.8491% | 1,642 |
| Equity capital to assets | 10.7824% | 2,970 |
| Core capital (leverage) ratio | 10.9868% | 2,497 |
| Tier 1 risk-based capital ratio | 13.8694% | 4,523 |
| Total risk-based capital ratio | 15.1269% | 4,474 |
| Memoranda: | ||
| Average total assets | $231,414,000 | 2,717 |
| Average earning assets | $219,497,000 | 2,636 |
| Average equity | $24,872,750 | 2,659 |
| Average total loans | $181,780,250 | 2,183 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 1,686 |
| Cost of funding earning assets | 0.5932% | 3,003 |
| Net interest margin | 4.0625% | 1,654 |
| Noninterest income to average assets | 0.2919% | 5,365 |
| Noninterest expense to average assets | 2.2864% | 5,406 |
| Loan and lease loss provision to assets | 0.2782% | 1,322 |
| Net operating income to assets | 1.5729% | 783 |
| Return on assets (ROA) | 1.5729% | 853 |
| Pretax return on assets | 1.5729% | 1,439 |
| Return on Equity (ROE) | 14.6494% | 880 |
| Retained earnings to average equity (ytd only) | 1.8552% | 5,090 |
| Net charge-offs to loans | 0.5425% | 1,220 |
| Credit loss provision to net charge-offs | 65.8537% | 2,915 |
| Earnings coverage of net charge-offs (x) | 4.3821% | 3,148 |
| Efficiency ratio | 55.2604% | 6,044 |
| Assets per employee ($millions) | 6.5528% | 879 |
| Cash dividends to net income (ytd only)* | 87.3362% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8505% | 2,260 |
| Loan loss allowance to noncurrent loans | 140.2424% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 1.3364% | 3,102 |
| Noncurrent loans to loans | 1.3195% | 3,348 |
| Net loans and leases to total assets | 77.6114% | 793 |
| Net loans and leases to deposits | 87.1038% | 1,451 |
| Net loans and leases to core deposits | 96.7018% | 1,296 |
| Total domestic deposits to total assets | 89.1022% | 1,568 |
| Equity capital to assets | 10.5843% | 3,191 |
| Core capital (leverage) ratio | 10.7686% | 2,600 |
| Tier 1 risk-based capital ratio | 13.6611% | 4,665 |
| Total risk-based capital ratio | 14.9187% | 4,621 |
| Memoranda: | ||
| Average total assets | $232,944,000 | 2,711 |
| Average earning assets | $220,504,670 | 2,636 |
| Average equity | $25,011,330 | 2,663 |
| Average total loans | $181,371,670 | 2,188 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6423% | 1,703 |
| Cost of funding earning assets | 0.6056% | 3,061 |
| Net interest margin | 4.0367% | 1,658 |
| Noninterest income to average assets | 0.3544% | 4,842 |
| Noninterest expense to average assets | 2.2050% | 5,679 |
| Loan and lease loss provision to assets | 0.2760% | 1,276 |
| Net operating income to assets | 1.6784% | 613 |
| Return on assets (ROA) | 1.6784% | 676 |
| Pretax return on assets | 1.6784% | 1,129 |
| Return on Equity (ROE) | 15.5243% | 673 |
| Retained earnings to average equity (ytd only) | 15.5243% | 311 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0111% | 6,307 |
| Assets per employee ($millions) | 6.9508% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0524% | 1,914 |
| Loan loss allowance to noncurrent loans | 184.8546% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.9440% | 4,043 |
| Noncurrent loans to loans | 1.1103% | 3,927 |
| Net loans and leases to total assets | 74.4326% | 1,019 |
| Net loans and leases to deposits | 83.8170% | 1,618 |
| Net loans and leases to core deposits | 92.1871% | 1,490 |
| Total domestic deposits to total assets | 88.8037% | 1,794 |
| Equity capital to assets | 10.9289% | 3,043 |
| Core capital (leverage) ratio | 11.0282% | 2,239 |
| Tier 1 risk-based capital ratio | 13.9711% | 4,529 |
| Total risk-based capital ratio | 15.2307% | 4,481 |
| Memoranda: | ||
| Average total assets | $234,741,500 | 2,728 |
| Average earning assets | $221,269,000 | 2,659 |
| Average equity | $25,379,500 | 2,674 |
| Average total loans | $181,379,000 | 2,196 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0952% | 1,328 |
| Cost of funding earning assets | 0.8294% | 2,428 |
| Net interest margin | 4.2658% | 1,476 |
| Noninterest income to average assets | 0.1926% | 6,030 |
| Noninterest expense to average assets | 2.3270% | 5,617 |
| Loan and lease loss provision to assets | 0.3839% | 1,702 |
| Net operating income to assets | 1.4037% | 1,096 |
| Return on assets (ROA) | 1.4465% | 1,130 |
| Pretax return on assets | 1.4465% | 1,869 |
| Return on Equity (ROE) | 13.3485% | 1,141 |
| Retained earnings to average equity (ytd only) | 1.2575% | 5,238 |
| Net charge-offs to loans | 0.3110% | 3,090 |
| Credit loss provision to net charge-offs | 159.5281% | 1,685 |
| Earnings coverage of net charge-offs (x) | 7.4283% | 2,606 |
| Efficiency ratio | 56.5545% | 5,998 |
| Assets per employee ($millions) | 6.8575% | 829 |
| Cash dividends to net income (ytd only)* | 90.5797% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9234% | 2,219 |
| Loan loss allowance to noncurrent loans | 196.3768% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 4,070 |
| Noncurrent loans to loans | 0.9794% | 4,232 |
| Net loans and leases to total assets | 77.0492% | 782 |
| Net loans and leases to deposits | 86.5988% | 1,431 |
| Net loans and leases to core deposits | 96.9257% | 1,233 |
| Total domestic deposits to total assets | 88.9726% | 1,580 |
| Equity capital to assets | 10.6929% | 3,289 |
| Core capital (leverage) ratio | 10.6462% | 2,602 |
| Tier 1 risk-based capital ratio | 13.1825% | 4,977 |
| Total risk-based capital ratio | 14.4405% | 4,912 |
| Memoranda: | ||
| Average total assets | $228,962,600 | 2,738 |
| Average earning assets | $210,512,400 | 2,725 |
| Average equity | $24,811,800 | 2,675 |
| Average total loans | $177,147,800 | 2,236 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1018% | 1,423 |
| Cost of funding earning assets | 0.8703% | 2,390 |
| Net interest margin | 4.2315% | 1,640 |
| Noninterest income to average assets | 0.1837% | 6,204 |
| Noninterest expense to average assets | 2.3359% | 5,584 |
| Loan and lease loss provision to assets | 0.3200% | 2,064 |
| Net operating income to assets | 1.3905% | 1,247 |
| Return on assets (ROA) | 1.4145% | 1,306 |
| Pretax return on assets | 1.4145% | 2,185 |
| Return on Equity (ROE) | 13.0091% | 1,331 |
| Retained earnings to average equity (ytd only) | 1.7109% | 5,477 |
| Net charge-offs to loans | 0.4061% | 2,473 |
| Credit loss provision to net charge-offs | 102.2430% | 2,876 |
| Earnings coverage of net charge-offs (x) | 5.4654% | 3,013 |
| Efficiency ratio | 57.7273% | 5,828 |
| Assets per employee ($millions) | 6.5098% | 949 |
| Cash dividends to net income (ytd only)* | 86.8486% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7914% | 2,820 |
| Loan loss allowance to noncurrent loans | 190.2135% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 1.0244% | 4,238 |
| Noncurrent loans to loans | 0.9418% | 4,554 |
| Net loans and leases to total assets | 77.1631% | 834 |
| Net loans and leases to deposits | 87.0562% | 1,474 |
| Net loans and leases to core deposits | 98.6588% | 1,216 |
| Total domestic deposits to total assets | 88.6360% | 1,635 |
| Equity capital to assets | 11.0072% | 3,273 |
| Core capital (leverage) ratio | 10.8792% | 2,509 |
| Tier 1 risk-based capital ratio | 14.1926% | 4,385 |
| Total risk-based capital ratio | 15.4503% | 4,351 |
| Memoranda: | ||
| Average total assets | $227,914,500 | 2,773 |
| Average earning assets | $208,051,500 | 2,787 |
| Average equity | $24,782,000 | 2,706 |
| Average total loans | $175,643,000 | 2,284 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1186% | 1,460 |
| Cost of funding earning assets | 0.9042% | 2,364 |
| Net interest margin | 4.2144% | 1,709 |
| Noninterest income to average assets | 0.1544% | 6,427 |
| Noninterest expense to average assets | 2.3015% | 5,732 |
| Loan and lease loss provision to assets | 0.3343% | 1,971 |
| Net operating income to assets | 1.3670% | 1,268 |
| Return on assets (ROA) | 1.3846% | 1,366 |
| Pretax return on assets | 1.3846% | 2,259 |
| Return on Equity (ROE) | 12.7861% | 1,420 |
| Retained earnings to average equity (ytd only) | 1.4423% | 5,474 |
| Net charge-offs to loans | 0.2097% | 3,310 |
| Credit loss provision to net charge-offs | 208.1967% | 1,358 |
| Earnings coverage of net charge-offs (x) | 10.5956% | 2,035 |
| Efficiency ratio | 57.4967% | 5,932 |
| Assets per employee ($millions) | 6.6757% | 871 |
| Cash dividends to net income (ytd only)* | 88.7199% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9141% | 2,509 |
| Loan loss allowance to noncurrent loans | 140.3226% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 4,141 |
| Noncurrent loans to loans | 1.3641% | 3,877 |
| Net loans and leases to total assets | 76.6022% | 894 |
| Net loans and leases to deposits | 86.3545% | 1,554 |
| Net loans and leases to core deposits | 95.9160% | 1,432 |
| Total domestic deposits to total assets | 88.7066% | 1,700 |
| Equity capital to assets | 10.9488% | 3,171 |
| Core capital (leverage) ratio | 10.8112% | 2,469 |
| Tier 1 risk-based capital ratio | 14.6039% | 4,032 |
| Total risk-based capital ratio | 15.8634% | 3,987 |
| Memoranda: | ||
| Average total assets | $227,938,670 | 2,778 |
| Average earning assets | $208,144,000 | 2,786 |
| Average equity | $24,683,000 | 2,699 |
| Average total loans | $174,518,330 | 2,302 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1119% | 1,543 |
| Cost of funding earning assets | 0.9581% | 2,247 |
| Net interest margin | 4.1538% | 1,923 |
| Noninterest income to average assets | 0.2206% | 6,036 |
| Noninterest expense to average assets | 2.2870% | 5,801 |
| Loan and lease loss provision to assets | 0.4150% | 1,519 |
| Net operating income to assets | 1.2766% | 1,513 |
| Return on assets (ROA) | 1.3116% | 1,593 |
| Pretax return on assets | 1.3116% | 2,501 |
| Return on Equity (ROE) | 12.1794% | 1,621 |
| Retained earnings to average equity (ytd only) | 0.7968% | 5,737 |
| Net charge-offs to loans | 0.5059% | 1,822 |
| Credit loss provision to net charge-offs | 108.2192% | 2,161 |
| Earnings coverage of net charge-offs (x) | 4.4110% | 2,578 |
| Efficiency ratio | 57.4824% | 5,975 |
| Assets per employee ($millions) | 6.6972% | 879 |
| Cash dividends to net income (ytd only)* | 93.4579% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8519% | 2,836 |
| Loan loss allowance to noncurrent loans | 192.5659% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 1.1005% | 4,290 |
| Noncurrent loans to loans | 0.9617% | 4,751 |
| Net loans and leases to total assets | 74.7586% | 954 |
| Net loans and leases to deposits | 84.1061% | 1,651 |
| Net loans and leases to core deposits | 92.3251% | 1,620 |
| Total domestic deposits to total assets | 88.8861% | 1,769 |
| Equity capital to assets | 10.7907% | 3,157 |
| Core capital (leverage) ratio | 10.7271% | 2,521 |
| Tier 1 risk-based capital ratio | 13.9566% | 4,498 |
| Total risk-based capital ratio | 15.2141% | 4,461 |
| Memoranda: | ||
| Average total assets | $228,421,000 | 2,786 |
| Average earning assets | $206,654,500 | 2,814 |
| Average equity | $24,599,000 | 2,702 |
| Average total loans | $173,147,500 | 2,331 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1977% | 2,066 |
| Cost of funding earning assets | 1.2076% | 1,978 |
| Net interest margin | 3.9901% | 2,934 |
| Noninterest income to average assets | 0.4449% | 4,265 |
| Noninterest expense to average assets | 2.2781% | 6,089 |
| Loan and lease loss provision to assets | 0.4617% | 2,299 |
| Net operating income to assets | 1.3542% | 1,131 |
| Return on assets (ROA) | 1.3656% | 1,185 |
| Pretax return on assets | 1.3656% | 1,897 |
| Return on Equity (ROE) | 13.3143% | 1,084 |
| Retained earnings to average equity (ytd only) | 13.3143% | 205 |
| Net charge-offs to loans | 0.2296% | 4,346 |
| Credit loss provision to net charge-offs | 266.4921% | 903 |
| Earnings coverage of net charge-offs (x) | 10.4817% | 1,833 |
| Efficiency ratio | 55.6442% | 6,359 |
| Assets per employee ($millions) | 5.3288% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8484% | 2,719 |
| Loan loss allowance to noncurrent loans | 177.8953% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 1.2770% | 4,087 |
| Noncurrent loans to loans | 1.0390% | 4,629 |
| Net loans and leases to total assets | 74.0426% | 1,267 |
| Net loans and leases to deposits | 83.3349% | 2,020 |
| Net loans and leases to core deposits | 92.5950% | 1,830 |
| Total domestic deposits to total assets | 88.8495% | 1,635 |
| Equity capital to assets | 10.7477% | 3,249 |
| Core capital (leverage) ratio | 10.6944% | 2,528 |
| Tier 1 risk-based capital ratio | 13.7731% | 4,499 |
| Total risk-based capital ratio | 15.0303% | 4,456 |
| Memoranda: | ||
| Average total assets | $220,495,000 | 2,834 |
| Average earning assets | $201,647,800 | 2,831 |
| Average equity | $22,614,800 | 2,824 |
| Average total loans | $166,399,200 | 2,410 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 2,303 |
| Cost of funding earning assets | 1.2438% | 2,034 |
| Net interest margin | 3.9294% | 3,237 |
| Noninterest income to average assets | 0.5282% | 3,665 |
| Noninterest expense to average assets | 2.3242% | 5,969 |
| Loan and lease loss provision to assets | 0.4507% | 2,213 |
| Net operating income to assets | 1.3648% | 1,233 |
| Return on assets (ROA) | 1.3801% | 1,278 |
| Pretax return on assets | 1.3801% | 2,006 |
| Return on Equity (ROE) | 13.6274% | 1,134 |
| Retained earnings to average equity (ytd only) | 13.6274% | 321 |
| Net charge-offs to loans | 0.0809% | 5,168 |
| Credit loss provision to net charge-offs | 738.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 29.7300% | 941 |
| Efficiency ratio | 56.1440% | 6,264 |
| Assets per employee ($millions) | 5.5058% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8373% | 2,808 |
| Loan loss allowance to noncurrent loans | 163.1955% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 1.0579% | 4,656 |
| Noncurrent loans to loans | 1.1258% | 4,662 |
| Net loans and leases to total assets | 75.6694% | 1,025 |
| Net loans and leases to deposits | 84.9702% | 1,838 |
| Net loans and leases to core deposits | 93.1430% | 1,870 |
| Total domestic deposits to total assets | 89.0540% | 1,401 |
| Equity capital to assets | 10.5309% | 3,667 |
| Core capital (leverage) ratio | 10.6088% | 2,749 |
| Tier 1 risk-based capital ratio | 13.3429% | 4,843 |
| Total risk-based capital ratio | 14.5998% | 4,812 |
| Memoranda: | ||
| Average total assets | $218,334,500 | 2,861 |
| Average earning assets | $200,672,500 | 2,850 |
| Average equity | $22,111,750 | 2,876 |
| Average total loans | $164,785,500 | 2,444 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1328% | 2,537 |
| Cost of funding earning assets | 1.2943% | 1,972 |
| Net interest margin | 3.8385% | 3,592 |
| Noninterest income to average assets | 0.2085% | 6,173 |
| Noninterest expense to average assets | 2.2894% | 6,158 |
| Loan and lease loss provision to assets | 0.3687% | 2,582 |
| Net operating income to assets | 1.0757% | 1,953 |
| Return on assets (ROA) | 1.0988% | 1,962 |
| Pretax return on assets | 1.0988% | 2,857 |
| Return on Equity (ROE) | 11.0027% | 1,797 |
| Retained earnings to average equity (ytd only) | 11.0027% | 663 |
| Net charge-offs to loans | -0.0099% | 6,684 |
| Credit loss provision to net charge-offs | -4,975.0000% | 6,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3151% | 5,683 |
| Assets per employee ($millions) | 5.4615% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8260% | 2,902 |
| Loan loss allowance to noncurrent loans | 169.6796% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 1.1861% | 4,520 |
| Noncurrent loans to loans | 1.0761% | 4,868 |
| Net loans and leases to total assets | 71.2145% | 1,956 |
| Net loans and leases to deposits | 79.5039% | 2,885 |
| Net loans and leases to core deposits | 87.3819% | 2,718 |
| Total domestic deposits to total assets | 89.5736% | 1,201 |
| Equity capital to assets | 10.0254% | 4,113 |
| Core capital (leverage) ratio | 10.2419% | 2,987 |
| Tier 1 risk-based capital ratio | 13.4415% | 4,572 |
| Total risk-based capital ratio | 14.6982% | 4,553 |
| Memoranda: | ||
| Average total assets | $215,867,330 | 2,901 |
| Average earning assets | $198,254,000 | 2,895 |
| Average equity | $21,558,330 | 2,915 |
| Average total loans | $161,710,670 | 2,516 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1780% | 2,312 |
| Cost of funding earning assets | 1.3440% | 1,922 |
| Net interest margin | 3.8340% | 3,449 |
| Noninterest income to average assets | 0.1076% | 6,872 |
| Noninterest expense to average assets | 2.2904% | 6,213 |
| Loan and lease loss provision to assets | 0.3474% | 2,481 |
| Net operating income to assets | 1.0196% | 2,113 |
| Return on assets (ROA) | 1.0196% | 2,164 |
| Pretax return on assets | 1.0196% | 3,062 |
| Return on Equity (ROE) | 10.2307% | 2,017 |
| Retained earnings to average equity (ytd only) | 10.2307% | 1,072 |
| Net charge-offs to loans | -0.0198% | 6,569 |
| Credit loss provision to net charge-offs | -2,300.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6226% | 5,580 |
| Assets per employee ($millions) | 5.1915% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 3,372 |
| Loan loss allowance to noncurrent loans | 164.9281% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.9704% | 4,961 |
| Noncurrent loans to loans | 1.0248% | 5,008 |
| Net loans and leases to total assets | 73.3875% | 1,443 |
| Net loans and leases to deposits | 81.7097% | 2,414 |
| Net loans and leases to core deposits | 90.4245% | 2,302 |
| Total domestic deposits to total assets | 89.8149% | 1,272 |
| Equity capital to assets | 9.8338% | 3,985 |
| Core capital (leverage) ratio | 10.1791% | 2,947 |
| Tier 1 risk-based capital ratio | 13.3242% | 4,557 |
| Total risk-based capital ratio | 14.5794% | 4,538 |
| Memoranda: | ||
| Average total assets | $211,840,000 | 2,969 |
| Average earning assets | $196,137,500 | 2,929 |
| Average equity | $21,113,000 | 2,973 |
| Average total loans | $161,350,500 | 2,544 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3599% | 2,857 |
| Cost of funding earning assets | 1.7050% | 1,581 |
| Net interest margin | 3.6549% | 4,554 |
| Noninterest income to average assets | 0.3304% | 5,429 |
| Noninterest expense to average assets | 2.2170% | 6,576 |
| Loan and lease loss provision to assets | 0.5639% | 2,870 |
| Net operating income to assets | 0.9012% | 2,379 |
| Return on assets (ROA) | 0.9805% | 2,218 |
| Pretax return on assets | 0.9805% | 2,996 |
| Return on Equity (ROE) | 10.1810% | 1,863 |
| Retained earnings to average equity (ytd only) | 10.1810% | 485 |
| Net charge-offs to loans | 0.4294% | 3,901 |
| Credit loss provision to net charge-offs | 172.6998% | 1,953 |
| Earnings coverage of net charge-offs (x) | 4.4872% | 2,907 |
| Efficiency ratio | 60.2113% | 6,015 |
| Assets per employee ($millions) | 5.1409% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 3,568 |
| Loan loss allowance to noncurrent loans | 183.8362% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 4,867 |
| Noncurrent loans to loans | 0.8704% | 5,326 |
| Net loans and leases to total assets | 76.5304% | 1,176 |
| Net loans and leases to deposits | 85.7054% | 2,153 |
| Net loans and leases to core deposits | 96.4479% | 1,948 |
| Total domestic deposits to total assets | 89.2947% | 1,498 |
| Equity capital to assets | 10.1072% | 3,608 |
| Core capital (leverage) ratio | 10.1107% | 2,965 |
| Tier 1 risk-based capital ratio | 13.1288% | 4,503 |
| Total risk-based capital ratio | 14.3828% | 4,456 |
| Memoranda: | ||
| Average total assets | $203,065,000 | 3,066 |
| Average earning assets | $186,215,000 | 3,050 |
| Average equity | $19,556,000 | 3,207 |
| Average total loans | $154,393,200 | 2,693 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3472% | 3,133 |
| Cost of funding earning assets | 1.7622% | 1,577 |
| Net interest margin | 3.5850% | 4,946 |
| Noninterest income to average assets | 0.3603% | 5,280 |
| Noninterest expense to average assets | 2.2184% | 6,555 |
| Loan and lease loss provision to assets | 0.5961% | 2,559 |
| Net operating income to assets | 0.8220% | 2,911 |
| Return on assets (ROA) | 0.9281% | 2,634 |
| Pretax return on assets | 0.9281% | 3,454 |
| Return on Equity (ROE) | 9.7596% | 2,224 |
| Retained earnings to average equity (ytd only) | 9.7596% | 850 |
| Net charge-offs to loans | 0.3756% | 3,800 |
| Credit loss provision to net charge-offs | 209.9768% | 1,675 |
| Earnings coverage of net charge-offs (x) | 4.9954% | 2,879 |
| Efficiency ratio | 61.0034% | 5,796 |
| Assets per employee ($millions) | 5.8551% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6401% | 3,369 |
| Loan loss allowance to noncurrent loans | 156.9231% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.9930% | 5,102 |
| Noncurrent loans to loans | 1.0452% | 5,156 |
| Net loans and leases to total assets | 72.5527% | 2,114 |
| Net loans and leases to deposits | 80.8211% | 3,300 |
| Net loans and leases to core deposits | 90.7428% | 2,991 |
| Total domestic deposits to total assets | 89.7695% | 987 |
| Equity capital to assets | 9.8101% | 4,404 |
| Core capital (leverage) ratio | 9.9418% | 3,308 |
| Tier 1 risk-based capital ratio | 13.0890% | 4,508 |
| Total risk-based capital ratio | 14.3435% | 4,477 |
| Memoranda: | ||
| Average total assets | $202,422,250 | 3,109 |
| Average earning assets | $184,989,000 | 3,110 |
| Average equity | $19,249,000 | 3,285 |
| Average total loans | $153,008,250 | 2,762 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3907% | 3,012 |
| Cost of funding earning assets | 1.8429% | 1,469 |
| Net interest margin | 3.5478% | 5,057 |
| Noninterest income to average assets | 0.4358% | 4,646 |
| Noninterest expense to average assets | 2.2461% | 6,525 |
| Loan and lease loss provision to assets | 0.5340% | 2,649 |
| Net operating income to assets | 0.8766% | 2,636 |
| Return on assets (ROA) | 0.8766% | 2,768 |
| Pretax return on assets | 0.8766% | 3,590 |
| Return on Equity (ROE) | 9.3221% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.3221% | 1,002 |
| Net charge-offs to loans | 0.4941% | 3,060 |
| Credit loss provision to net charge-offs | 141.7553% | 2,816 |
| Earnings coverage of net charge-offs (x) | 3.7447% | 3,195 |
| Efficiency ratio | 61.4247% | 5,785 |
| Assets per employee ($millions) | 5.8204% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 4,177 |
| Loan loss allowance to noncurrent loans | 169.9391% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6271% | 5,921 |
| Noncurrent loans to loans | 0.8533% | 5,559 |
| Net loans and leases to total assets | 72.4267% | 2,294 |
| Net loans and leases to deposits | 80.5909% | 3,502 |
| Net loans and leases to core deposits | 90.2646% | 3,214 |
| Total domestic deposits to total assets | 89.8695% | 985 |
| Equity capital to assets | 9.7100% | 4,395 |
| Core capital (leverage) ratio | 9.8668% | 3,321 |
| Tier 1 risk-based capital ratio | 12.8751% | 4,547 |
| Total risk-based capital ratio | 14.1271% | 4,503 |
| Memoranda: | ||
| Average total assets | $199,635,670 | 3,168 |
| Average earning assets | $181,239,330 | 3,180 |
| Average equity | $18,772,670 | 3,339 |
| Average total loans | $152,185,000 | 2,796 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4736% | 2,711 |
| Cost of funding earning assets | 1.9211% | 1,368 |
| Net interest margin | 3.5525% | 4,937 |
| Noninterest income to average assets | 0.2342% | 6,278 |
| Noninterest expense to average assets | 2.2991% | 6,379 |
| Loan and lease loss provision to assets | 0.3739% | 3,127 |
| Net operating income to assets | 0.7869% | 3,028 |
| Return on assets (ROA) | 0.7869% | 3,145 |
| Pretax return on assets | 0.7869% | 3,925 |
| Return on Equity (ROE) | 8.5177% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.5177% | 1,529 |
| Net charge-offs to loans | 0.3649% | 2,955 |
| Credit loss provision to net charge-offs | 131.8841% | 2,676 |
| Earnings coverage of net charge-offs (x) | 4.0942% | 2,710 |
| Efficiency ratio | 66.4489% | 5,021 |
| Assets per employee ($millions) | 5.6697% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 4,361 |
| Loan loss allowance to noncurrent loans | 142.0912% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.7712% | 5,606 |
| Noncurrent loans to loans | 0.9932% | 5,336 |
| Net loans and leases to total assets | 72.5627% | 2,310 |
| Net loans and leases to deposits | 80.6573% | 3,522 |
| Net loans and leases to core deposits | 92.5646% | 3,037 |
| Total domestic deposits to total assets | 89.9642% | 1,004 |
| Equity capital to assets | 9.6537% | 4,300 |
| Core capital (leverage) ratio | 9.8701% | 3,316 |
| Tier 1 risk-based capital ratio | 12.6667% | 4,589 |
| Total risk-based capital ratio | 13.9184% | 4,556 |
| Memoranda: | ||
| Average total assets | $194,685,500 | 3,291 |
| Average earning assets | $176,775,500 | 3,298 |
| Average equity | $17,986,000 | 3,485 |
| Average total loans | $151,281,000 | 2,872 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9558% | 2,032 |
| Cost of funding earning assets | 2.2227% | 1,930 |
| Net interest margin | 3.7331% | 3,986 |
| Noninterest income to average assets | 0.2354% | 6,417 |
| Noninterest expense to average assets | 2.4142% | 6,423 |
| Loan and lease loss provision to assets | 0.2451% | 5,425 |
| Net operating income to assets | 0.9755% | 1,926 |
| Return on assets (ROA) | 1.0032% | 1,876 |
| Pretax return on assets | 1.0112% | 2,553 |
| Return on Equity (ROE) | 11.8014% | 1,211 |
| Retained earnings to average equity (ytd only) | 9.1669% | 474 |
| Net charge-offs to loans | 0.0744% | 6,367 |
| Credit loss provision to net charge-offs | 400.9346% | 788 |
| Earnings coverage of net charge-offs (x) | 20.0935% | 1,056 |
| Efficiency ratio | 66.2798% | 5,343 |
| Assets per employee ($millions) | 5.0071% | 2,209 |
| Cash dividends to net income (ytd only)* | 22.3235% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 4,420 |
| Loan loss allowance to noncurrent loans | 233.5208% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.4799% | 6,251 |
| Noncurrent loans to loans | 0.5836% | 6,076 |
| Net loans and leases to total assets | 81.1062% | 824 |
| Net loans and leases to deposits | 89.3404% | 2,329 |
| Net loans and leases to core deposits | 136.6985% | 926 |
| Total domestic deposits to total assets | 90.7833% | 622 |
| Equity capital to assets | 8.7811% | 5,470 |
| Core capital (leverage) ratio | 8.7469% | 4,845 |
| Tier 1 risk-based capital ratio | 10.5172% | 6,382 |
| Total risk-based capital ratio | 11.7683% | 6,354 |
| Memoranda: | ||
| Average total assets | $175,045,600 | 3,516 |
| Average earning assets | $159,761,400 | 3,526 |
| Average equity | $14,879,600 | 4,082 |
| Average total loans | $143,851,200 | 3,021 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9715% | 2,144 |
| Cost of funding earning assets | 2.2563% | 2,166 |
| Net interest margin | 3.7153% | 4,007 |
| Noninterest income to average assets | 0.2273% | 6,602 |
| Noninterest expense to average assets | 2.4797% | 6,140 |
| Loan and lease loss provision to assets | 0.1538% | 5,814 |
| Net operating income to assets | 0.9728% | 2,153 |
| Return on assets (ROA) | 1.0103% | 2,080 |
| Pretax return on assets | 1.0211% | 2,837 |
| Return on Equity (ROE) | 11.9912% | 1,352 |
| Retained earnings to average equity (ytd only) | 8.3948% | 1,010 |
| Net charge-offs to loans | 0.0113% | 6,780 |
| Credit loss provision to net charge-offs | 1,658.3333% | 234 |
| Earnings coverage of net charge-offs (x) | 122.5800% | 305 |
| Efficiency ratio | 68.5617% | 4,871 |
| Assets per employee ($millions) | 5.1896% | 1,906 |
| Cash dividends to net income (ytd only)* | 29.9922% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 4,512 |
| Loan loss allowance to noncurrent loans | 265.1639% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 6,446 |
| Noncurrent loans to loans | 0.4899% | 6,335 |
| Net loans and leases to total assets | 81.1953% | 948 |
| Net loans and leases to deposits | 89.1311% | 2,759 |
| Net loans and leases to core deposits | 133.8917% | 1,217 |
| Total domestic deposits to total assets | 91.0964% | 385 |
| Equity capital to assets | 8.4697% | 6,284 |
| Core capital (leverage) ratio | 8.4570% | 5,568 |
| Tier 1 risk-based capital ratio | 10.3317% | 6,645 |
| Total risk-based capital ratio | 11.5822% | 6,588 |
| Memoranda: | ||
| Average total assets | $172,491,500 | 3,580 |
| Average earning assets | $157,364,750 | 3,593 |
| Average equity | $14,532,500 | 4,180 |
| Average total loans | $141,730,250 | 3,083 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9876% | 2,231 |
| Cost of funding earning assets | 2.2796% | 2,448 |
| Net interest margin | 3.7080% | 3,918 |
| Noninterest income to average assets | 0.2632% | 6,390 |
| Noninterest expense to average assets | 2.5507% | 5,940 |
| Loan and lease loss provision to assets | 0.1169% | 5,968 |
| Net operating income to assets | 0.9478% | 2,285 |
| Return on assets (ROA) | 1.0045% | 2,187 |
| Pretax return on assets | 1.0210% | 2,924 |
| Return on Equity (ROE) | 11.9450% | 1,426 |
| Retained earnings to average equity (ytd only) | 6.4427% | 1,826 |
| Net charge-offs to loans | 0.0057% | 6,526 |
| Credit loss provision to net charge-offs | 2,475.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 228.7500% | 181 |
| Efficiency ratio | 70.2536% | 4,723 |
| Assets per employee ($millions) | 5.0493% | 2,032 |
| Cash dividends to net income (ytd only)* | 46.0635% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 4,435 |
| Loan loss allowance to noncurrent loans | 503.8147% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 6,406 |
| Noncurrent loans to loans | 0.2529% | 6,882 |
| Net loans and leases to total assets | 81.0654% | 1,124 |
| Net loans and leases to deposits | 88.9517% | 2,995 |
| Net loans and leases to core deposits | 130.1305% | 1,544 |
| Total domestic deposits to total assets | 91.1342% | 420 |
| Equity capital to assets | 8.3961% | 6,201 |
| Core capital (leverage) ratio | 8.6707% | 5,144 |
| Tier 1 risk-based capital ratio | 10.2149% | 6,694 |
| Total risk-based capital ratio | 11.4653% | 6,625 |
| Memoranda: | ||
| Average total assets | $169,443,670 | 3,654 |
| Average earning assets | $153,884,670 | 3,668 |
| Average equity | $14,248,670 | 4,253 |
| Average total loans | $139,167,000 | 3,160 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9690% | 2,485 |
| Cost of funding earning assets | 2.3214% | 2,609 |
| Net interest margin | 3.6476% | 4,110 |
| Noninterest income to average assets | 0.3016% | 6,029 |
| Noninterest expense to average assets | 2.5379% | 5,698 |
| Loan and lease loss provision to assets | 0.0820% | 5,914 |
| Net operating income to assets | 1.0012% | 2,307 |
| Return on assets (ROA) | 1.1194% | 2,021 |
| Pretax return on assets | 1.1242% | 2,896 |
| Return on Equity (ROE) | 13.3008% | 1,315 |
| Retained earnings to average equity (ytd only) | 13.3008% | 595 |
| Net charge-offs to loans | 0.0147% | 5,385 |
| Credit loss provision to net charge-offs | 680.0000% | 860 |
| Earnings coverage of net charge-offs (x) | 90.2000% | 475 |
| Efficiency ratio | 69.9933% | 4,577 |
| Assets per employee ($millions) | 4.8955% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 4,243 |
| Loan loss allowance to noncurrent loans | 312.8070% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 5,803 |
| Noncurrent loans to loans | 0.4075% | 6,399 |
| Net loans and leases to total assets | 80.6013% | 1,277 |
| Net loans and leases to deposits | 88.6435% | 3,160 |
| Net loans and leases to core deposits | 121.2355% | 2,313 |
| Total domestic deposits to total assets | 90.9274% | 437 |
| Equity capital to assets | 8.6844% | 5,792 |
| Core capital (leverage) ratio | 9.1014% | 4,551 |
| Tier 1 risk-based capital ratio | 10.3427% | 6,554 |
| Total risk-based capital ratio | 11.5888% | 6,478 |
| Memoranda: | ||
| Average total assets | $165,803,500 | 3,730 |
| Average earning assets | $151,113,000 | 3,729 |
| Average equity | $13,954,000 | 4,344 |
| Average total loans | $136,195,000 | 3,244 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5730% | 2,611 |
| Cost of funding earning assets | 2.7754% | 2,805 |
| Net interest margin | 3.7976% | 4,034 |
| Noninterest income to average assets | 0.2906% | 6,384 |
| Noninterest expense to average assets | 2.5310% | 5,886 |
| Loan and lease loss provision to assets | 0.1638% | 5,287 |
| Net operating income to assets | 0.8972% | 3,008 |
| Return on assets (ROA) | 0.8972% | 2,851 |
| Pretax return on assets | 1.1534% | 2,823 |
| Return on Equity (ROE) | 10.8434% | 1,953 |
| Retained earnings to average equity (ytd only) | 1.7444% | 4,161 |
| Net charge-offs to loans | 0.0063% | 6,875 |
| Credit loss provision to net charge-offs | 3,150.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 253.2500% | 194 |
| Efficiency ratio | 65.7712% | 5,175 |
| Assets per employee ($millions) | 4.4518% | 2,693 |
| Cash dividends to net income (ytd only)* | 83.9130% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 3,629 |
| Loan loss allowance to noncurrent loans | 407.9070% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 6,073 |
| Noncurrent loans to loans | 0.3245% | 6,400 |
| Net loans and leases to total assets | 81.5831% | 1,304 |
| Net loans and leases to deposits | 93.4135% | 2,871 |
| Net loans and leases to core deposits | 130.9923% | 1,781 |
| Total domestic deposits to total assets | 87.3354% | 1,785 |
| Equity capital to assets | 8.1290% | 6,656 |
| Core capital (leverage) ratio | 8.1293% | 6,283 |
| Tier 1 risk-based capital ratio | 9.3914% | 7,417 |
| Total risk-based capital ratio | 10.6419% | 7,344 |
| Memoranda: | ||
| Average total assets | $153,810,800 | 3,826 |
| Average earning assets | $144,089,800 | 3,754 |
| Average equity | $12,726,600 | 4,641 |
| Average total loans | $127,589,800 | 3,309 |