Home > Labette Bank > Performance and Condition Ratios
Labette 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 | 4.0403% | 3,896 |
| Cost of funding earning assets | 0.9508% | 3,412 |
| Net interest margin | 3.0895% | 3,116 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 2.6923% | 1,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7666% | 2,992 |
| Return on assets (ROA) | 0.7666% | 2,966 |
| Pretax return on assets | 0.9508% | 2,813 |
| Return on Equity (ROE) | 8.0000% | 3,024 |
| Retained earnings to average equity (ytd only) | 7.7728% | 1,604 |
| Net charge-offs to loans | -0.0179% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.9016% | 1,471 |
| Assets per employee ($millions) | 5.3658% | 3,346 |
| Cash dividends to net income (ytd only)* | 2.8781% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,095 |
| Loan loss allowance to noncurrent loans | 648.0159% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 2,807 |
| Noncurrent loans to loans | 0.1611% | 2,716 |
| Net loans and leases to total assets | 61.3800% | 2,723 |
| Net loans and leases to deposits | 72.2180% | 2,744 |
| Net loans and leases to core deposits | 78.6813% | 2,788 |
| Total domestic deposits to total assets | 85.0000% | 2,312 |
| Equity capital to assets | 10.3559% | 1,808 |
| Core capital (leverage) ratio | 11.9602% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $498,533,400 | 1,730 |
| Average earning assets | $469,294,600 | 1,712 |
| Average equity | $47,756,400 | 1,660 |
| Average total loans | $307,678,200 | 1,760 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 3,981 |
| Cost of funding earning assets | 0.8843% | 3,312 |
| Net interest margin | 3.0286% | 3,284 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.7472% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6239% | 3,485 |
| Return on assets (ROA) | 0.6239% | 3,482 |
| Pretax return on assets | 0.8085% | 3,317 |
| Return on Equity (ROE) | 6.6500% | 3,514 |
| Retained earnings to average equity (ytd only) | 6.5068% | 2,460 |
| Net charge-offs to loans | -0.0017% | 3,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 77.2631% | 1,071 |
| Assets per employee ($millions) | 5.2058% | 3,424 |
| Cash dividends to net income (ytd only)* | 2.1496% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 3,144 |
| Loan loss allowance to noncurrent loans | 247.1538% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 1,940 |
| Noncurrent loans to loans | 0.4214% | 1,774 |
| Net loans and leases to total assets | 62.3900% | 2,610 |
| Net loans and leases to deposits | 73.2452% | 2,630 |
| Net loans and leases to core deposits | 78.6260% | 2,704 |
| Total domestic deposits to total assets | 85.1800% | 2,449 |
| Equity capital to assets | 9.8949% | 1,884 |
| Core capital (leverage) ratio | 11.5871% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $497,069,750 | 1,735 |
| Average earning assets | $467,703,250 | 1,718 |
| Average equity | $46,637,000 | 1,679 |
| Average total loans | $306,378,500 | 1,773 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7608% | 4,067 |
| Cost of funding earning assets | 0.7973% | 3,210 |
| Net interest margin | 2.9636% | 3,529 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.7439% | 1,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5228% | 3,758 |
| Return on assets (ROA) | 0.5228% | 3,767 |
| Pretax return on assets | 0.7245% | 3,552 |
| Return on Equity (ROE) | 5.6700% | 3,763 |
| Retained earnings to average equity (ytd only) | 5.4558% | 2,803 |
| Net charge-offs to loans | 0.0072% | 1,962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 164.5455% | 704 |
| Efficiency ratio | 79.1114% | 903 |
| Assets per employee ($millions) | 5.0231% | 3,579 |
| Cash dividends to net income (ytd only)* | 3.8285% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 3,041 |
| Loan loss allowance to noncurrent loans | 202.0885% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3274% | 1,613 |
| Noncurrent loans to loans | 0.5341% | 1,391 |
| Net loans and leases to total assets | 60.6300% | 2,714 |
| Net loans and leases to deposits | 70.6803% | 2,734 |
| Net loans and leases to core deposits | 75.2985% | 2,804 |
| Total domestic deposits to total assets | 85.7800% | 2,306 |
| Equity capital to assets | 9.4537% | 2,182 |
| Core capital (leverage) ratio | 11.3360% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $499,645,667 | 1,727 |
| Average earning assets | $470,107,667 | 1,711 |
| Average equity | $46,042,667 | 1,698 |
| Average total loans | $305,660,667 | 1,750 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7346% | 3,972 |
| Cost of funding earning assets | 0.7216% | 2,981 |
| Net interest margin | 3.0130% | 3,568 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.6373% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6965% | 3,479 |
| Return on assets (ROA) | 0.6965% | 3,426 |
| Pretax return on assets | 0.8658% | 3,318 |
| Return on Equity (ROE) | 7.6600% | 3,377 |
| Retained earnings to average equity (ytd only) | 7.6562% | 2,325 |
| Net charge-offs to loans | 0.0131% | 1,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 108.4000% | 748 |
| Efficiency ratio | 75.2850% | 1,223 |
| Assets per employee ($millions) | 4.9860% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 3,182 |
| Loan loss allowance to noncurrent loans | 279.6092% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 1,923 |
| Noncurrent loans to loans | 0.3842% | 1,778 |
| Net loans and leases to total assets | 61.4000% | 2,521 |
| Net loans and leases to deposits | 70.7405% | 2,554 |
| Net loans and leases to core deposits | 75.7013% | 2,555 |
| Total domestic deposits to total assets | 86.8000% | 2,339 |
| Equity capital to assets | 9.4890% | 2,154 |
| Core capital (leverage) ratio | 11.0372% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $500,824,000 | 1,739 |
| Average earning assets | $471,161,500 | 1,722 |
| Average equity | $45,558,000 | 1,726 |
| Average total loans | $306,086,000 | 1,770 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2652% | 3,676 |
| Cost of funding earning assets | 0.3994% | 2,112 |
| Net interest margin | 2.8658% | 3,758 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.5137% | 2,064 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.7020% | 3,616 |
| Return on assets (ROA) | 0.7020% | 3,562 |
| Pretax return on assets | 0.8596% | 3,458 |
| Return on Equity (ROE) | 7.9600% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.8498% | 1,900 |
| Net charge-offs to loans | 0.0720% | 922 |
| Credit loss provision to net charge-offs | 42.6540% | 1,848 |
| Earnings coverage of net charge-offs (x) | 21.1801% | 1,864 |
| Efficiency ratio | 74.1287% | 1,209 |
| Assets per employee ($millions) | 5.2374% | 3,477 |
| Cash dividends to net income (ytd only)* | 1.3982% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 2,992 |
| Loan loss allowance to noncurrent loans | 793.5096% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 2,900 |
| Noncurrent loans to loans | 0.1360% | 2,829 |
| Net loans and leases to total assets | 59.5400% | 2,687 |
| Net loans and leases to deposits | 67.9284% | 2,734 |
| Net loans and leases to core deposits | 73.7019% | 2,588 |
| Total domestic deposits to total assets | 87.6600% | 2,190 |
| Equity capital to assets | 8.7154% | 2,553 |
| Core capital (leverage) ratio | 10.8961% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $509,416,600 | 1,700 |
| Average earning assets | $480,768,600 | 1,675 |
| Average equity | $44,918,400 | 1,756 |
| Average total loans | $293,009,400 | 1,752 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 3,451 |
| Cost of funding earning assets | 0.3365% | 1,807 |
| Net interest margin | 2.8562% | 3,604 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.5250% | 1,941 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.6557% | 3,680 |
| Return on assets (ROA) | 0.6557% | 3,639 |
| Pretax return on assets | 0.8223% | 3,523 |
| Return on Equity (ROE) | 7.4100% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.4150% | 2,225 |
| Net charge-offs to loans | 0.0138% | 1,607 |
| Credit loss provision to net charge-offs | 300.0000% | 808 |
| Earnings coverage of net charge-offs (x) | 107.8000% | 914 |
| Efficiency ratio | 74.9069% | 1,184 |
| Assets per employee ($millions) | 5.4559% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 2,749 |
| Loan loss allowance to noncurrent loans | 334.1651% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 2,146 |
| Noncurrent loans to loans | 0.3469% | 1,983 |
| Net loans and leases to total assets | 59.1500% | 2,589 |
| Net loans and leases to deposits | 69.7977% | 2,381 |
| Net loans and leases to core deposits | 73.4549% | 2,388 |
| Total domestic deposits to total assets | 84.7500% | 3,342 |
| Equity capital to assets | 8.4023% | 2,604 |
| Core capital (leverage) ratio | 10.4329% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $509,762,750 | 1,703 |
| Average earning assets | $481,418,250 | 1,681 |
| Average equity | $45,078,750 | 1,772 |
| Average total loans | $289,810,750 | 1,768 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0727% | 3,368 |
| Cost of funding earning assets | 0.3327% | 1,417 |
| Net interest margin | 2.7400% | 3,609 |
| Noninterest income to average assets | 0.6819% | 1,422 |
| Noninterest expense to average assets | 2.4615% | 2,051 |
| Loan and lease loss provision to assets | 0.0351% | 1,948 |
| Net operating income to assets | 0.6105% | 3,603 |
| Return on assets (ROA) | 0.6105% | 3,547 |
| Pretax return on assets | 0.7764% | 3,387 |
| Return on Equity (ROE) | 6.7931% | 3,363 |
| Retained earnings to average equity (ytd only) | 6.7931% | 2,056 |
| Net charge-offs to loans | 0.0196% | 1,346 |
| Credit loss provision to net charge-offs | 321.4286% | 776 |
| Earnings coverage of net charge-offs (x) | 74.2500% | 974 |
| Efficiency ratio | 75.2057% | 1,366 |
| Assets per employee ($millions) | 5.2583% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 2,775 |
| Loan loss allowance to noncurrent loans | 336.6184% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 2,248 |
| Noncurrent loans to loans | 0.3516% | 2,093 |
| Net loans and leases to total assets | 57.0222% | 2,636 |
| Net loans and leases to deposits | 65.8928% | 2,552 |
| Net loans and leases to core deposits | 69.1200% | 2,558 |
| Total domestic deposits to total assets | 86.5378% | 3,098 |
| Equity capital to assets | 8.5878% | 2,697 |
| Core capital (leverage) ratio | 10.2791% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $512,368,000 | 1,706 |
| Average earning assets | $484,524,333 | 1,688 |
| Average equity | $46,046,667 | 1,801 |
| Average total loans | $286,280,000 | 1,773 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9655% | 3,357 |
| Cost of funding earning assets | 0.3338% | 1,330 |
| Net interest margin | 2.6317% | 3,581 |
| Noninterest income to average assets | 0.6668% | 1,425 |
| Noninterest expense to average assets | 2.4139% | 2,114 |
| Loan and lease loss provision to assets | 0.0701% | 1,172 |
| Net operating income to assets | 0.5110% | 3,682 |
| Return on assets (ROA) | 0.5110% | 3,651 |
| Pretax return on assets | 0.6761% | 3,457 |
| Return on Equity (ROE) | 5.5630% | 3,466 |
| Retained earnings to average equity (ytd only) | 5.5630% | 2,392 |
| Net charge-offs to loans | 0.0071% | 1,490 |
| Credit loss provision to net charge-offs | 1,800.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 191.6000% | 442 |
| Efficiency ratio | 76.3865% | 1,478 |
| Assets per employee ($millions) | 5.2509% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,626 |
| Loan loss allowance to noncurrent loans | 279.1401% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 2,061 |
| Noncurrent loans to loans | 0.4461% | 1,910 |
| Net loans and leases to total assets | 54.0378% | 2,753 |
| Net loans and leases to deposits | 62.4868% | 2,675 |
| Net loans and leases to core deposits | 65.2812% | 2,690 |
| Total domestic deposits to total assets | 86.4787% | 3,109 |
| Equity capital to assets | 8.6879% | 2,986 |
| Core capital (leverage) ratio | 9.9912% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $513,526,000 | 1,711 |
| Average earning assets | $486,535,500 | 1,693 |
| Average equity | $47,169,000 | 1,810 |
| Average total loans | $282,256,500 | 1,781 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4460% | 2,814 |
| Cost of funding earning assets | 0.4015% | 1,535 |
| Net interest margin | 3.0446% | 3,063 |
| Noninterest income to average assets | 0.6581% | 1,913 |
| Noninterest expense to average assets | 2.5582% | 1,998 |
| Loan and lease loss provision to assets | 0.0549% | 1,954 |
| Net operating income to assets | 0.7618% | 3,451 |
| Return on assets (ROA) | 0.7618% | 3,518 |
| Pretax return on assets | 0.9267% | 3,434 |
| Return on Equity (ROE) | 7.6152% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.6152% | 1,692 |
| Net charge-offs to loans | 0.0179% | 1,923 |
| Credit loss provision to net charge-offs | 540.0000% | 768 |
| Earnings coverage of net charge-offs (x) | 96.5600% | 899 |
| Efficiency ratio | 72.2704% | 1,484 |
| Assets per employee ($millions) | 5.0739% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 2,844 |
| Loan loss allowance to noncurrent loans | 254.9180% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 2,097 |
| Noncurrent loans to loans | 0.4743% | 1,943 |
| Net loans and leases to total assets | 54.5431% | 2,785 |
| Net loans and leases to deposits | 63.8578% | 2,700 |
| Net loans and leases to core deposits | 66.8289% | 2,751 |
| Total domestic deposits to total assets | 85.4134% | 3,126 |
| Equity capital to assets | 9.6848% | 2,959 |
| Core capital (leverage) ratio | 10.1431% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $491,869,400 | 1,718 |
| Average earning assets | $465,552,800 | 1,701 |
| Average equity | $49,204,400 | 1,795 |
| Average total loans | $279,074,000 | 1,790 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5356% | 2,729 |
| Cost of funding earning assets | 0.4148% | 1,585 |
| Net interest margin | 3.1208% | 2,998 |
| Noninterest income to average assets | 0.6703% | 1,932 |
| Noninterest expense to average assets | 2.5813% | 1,895 |
| Loan and lease loss provision to assets | 0.0740% | 1,567 |
| Net operating income to assets | 0.8278% | 3,449 |
| Return on assets (ROA) | 0.8278% | 3,515 |
| Pretax return on assets | 0.9667% | 3,548 |
| Return on Equity (ROE) | 8.2066% | 3,345 |
| Retained earnings to average equity (ytd only) | 8.2066% | 1,994 |
| Net charge-offs to loans | -0.0082% | 3,593 |
| Credit loss provision to net charge-offs | -1,588.2353% | 3,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2676% | 1,466 |
| Assets per employee ($millions) | 5.1218% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 2,766 |
| Loan loss allowance to noncurrent loans | 372.2519% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 2,442 |
| Noncurrent loans to loans | 0.3345% | 2,585 |
| Net loans and leases to total assets | 56.2683% | 2,700 |
| Net loans and leases to deposits | 66.5883% | 2,579 |
| Net loans and leases to core deposits | 69.7967% | 2,619 |
| Total domestic deposits to total assets | 84.5018% | 3,297 |
| Equity capital to assets | 10.2469% | 2,657 |
| Core capital (leverage) ratio | 9.9529% | 2,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $486,720,750 | 1,748 |
| Average earning assets | $460,340,500 | 1,728 |
| Average equity | $49,097,750 | 1,815 |
| Average total loans | $278,108,750 | 1,834 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4971% | 2,902 |
| Cost of funding earning assets | 0.4242% | 1,706 |
| Net interest margin | 3.0730% | 3,107 |
| Noninterest income to average assets | 0.6634% | 1,957 |
| Noninterest expense to average assets | 2.5790% | 1,914 |
| Loan and lease loss provision to assets | 0.0742% | 1,594 |
| Net operating income to assets | 0.7875% | 3,545 |
| Return on assets (ROA) | 0.7875% | 3,611 |
| Pretax return on assets | 0.9166% | 3,622 |
| Return on Equity (ROE) | 7.8489% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.8489% | 2,130 |
| Net charge-offs to loans | 0.0065% | 1,907 |
| Credit loss provision to net charge-offs | 2,000.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 410 |
| Efficiency ratio | 72.2453% | 1,411 |
| Assets per employee ($millions) | 5.2469% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 3,023 |
| Loan loss allowance to noncurrent loans | 315.2336% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 2,479 |
| Noncurrent loans to loans | 0.3760% | 2,552 |
| Net loans and leases to total assets | 56.4174% | 2,852 |
| Net loans and leases to deposits | 66.4785% | 2,782 |
| Net loans and leases to core deposits | 69.8828% | 2,795 |
| Total domestic deposits to total assets | 84.8656% | 3,156 |
| Equity capital to assets | 9.8864% | 2,964 |
| Core capital (leverage) ratio | 9.8007% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $485,064,667 | 1,749 |
| Average earning assets | $458,773,667 | 1,725 |
| Average equity | $48,669,333 | 1,815 |
| Average total loans | $277,427,333 | 1,847 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2684% | 3,527 |
| Cost of funding earning assets | 0.4421% | 1,780 |
| Net interest margin | 2.8262% | 3,697 |
| Noninterest income to average assets | 0.6054% | 2,182 |
| Noninterest expense to average assets | 2.4433% | 2,347 |
| Loan and lease loss provision to assets | 0.0753% | 1,680 |
| Net operating income to assets | 0.6280% | 3,870 |
| Return on assets (ROA) | 0.6280% | 3,941 |
| Pretax return on assets | 0.7592% | 3,888 |
| Return on Equity (ROE) | 6.2112% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.2112% | 2,826 |
| Net charge-offs to loans | 0.0131% | 1,485 |
| Credit loss provision to net charge-offs | 1,000.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 110.8889% | 576 |
| Efficiency ratio | 74.5408% | 1,262 |
| Assets per employee ($millions) | 5.2879% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,956 |
| Loan loss allowance to noncurrent loans | 361.5639% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 2,859 |
| Noncurrent loans to loans | 0.3307% | 2,908 |
| Net loans and leases to total assets | 55.1590% | 3,131 |
| Net loans and leases to deposits | 64.8949% | 3,037 |
| Net loans and leases to core deposits | 68.6489% | 3,002 |
| Total domestic deposits to total assets | 84.9975% | 3,094 |
| Equity capital to assets | 9.7979% | 2,899 |
| Core capital (leverage) ratio | 9.8911% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $478,370,500 | 1,756 |
| Average earning assets | $452,336,000 | 1,736 |
| Average equity | $48,364,500 | 1,808 |
| Average total loans | $273,847,500 | 1,861 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 2,540 |
| Cost of funding earning assets | 0.6022% | 2,286 |
| Net interest margin | 3.4603% | 2,596 |
| Noninterest income to average assets | 0.7267% | 1,760 |
| Noninterest expense to average assets | 2.7822% | 1,989 |
| Loan and lease loss provision to assets | 0.0923% | 3,195 |
| Net operating income to assets | 0.9228% | 2,598 |
| Return on assets (ROA) | 0.9228% | 2,736 |
| Pretax return on assets | 1.0990% | 2,695 |
| Return on Equity (ROE) | 8.0614% | 2,794 |
| Retained earnings to average equity (ytd only) | -2.7986% | 4,751 |
| Net charge-offs to loans | 0.0612% | 1,901 |
| Credit loss provision to net charge-offs | 229.8851% | 2,020 |
| Earnings coverage of net charge-offs (x) | 29.6839% | 1,621 |
| Efficiency ratio | 70.0197% | 1,947 |
| Assets per employee ($millions) | 4.6037% | 3,806 |
| Cash dividends to net income (ytd only)* | 134.7163% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 3,099 |
| Loan loss allowance to noncurrent loans | 341.0011% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 2,531 |
| Noncurrent loans to loans | 0.3438% | 2,975 |
| Net loans and leases to total assets | 58.0584% | 3,083 |
| Net loans and leases to deposits | 69.1498% | 2,968 |
| Net loans and leases to core deposits | 73.1521% | 2,986 |
| Total domestic deposits to total assets | 83.9603% | 3,124 |
| Equity capital to assets | 10.4407% | 2,725 |
| Core capital (leverage) ratio | 10.2355% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $433,578,200 | 1,751 |
| Average earning assets | $406,815,200 | 1,744 |
| Average equity | $49,631,800 | 1,703 |
| Average total loans | $284,198,200 | 1,748 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 2,236 |
| Cost of funding earning assets | 0.6342% | 2,410 |
| Net interest margin | 3.6204% | 2,198 |
| Noninterest income to average assets | 0.7153% | 1,747 |
| Noninterest expense to average assets | 2.8750% | 1,758 |
| Loan and lease loss provision to assets | 0.1017% | 3,048 |
| Net operating income to assets | 0.8565% | 2,877 |
| Return on assets (ROA) | 0.8565% | 3,006 |
| Pretax return on assets | 1.1300% | 2,644 |
| Return on Equity (ROE) | 7.3073% | 3,094 |
| Retained earnings to average equity (ytd only) | -6.9466% | 4,887 |
| Net charge-offs to loans | 0.0093% | 2,775 |
| Credit loss provision to net charge-offs | 1,625.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 196.6500% | 498 |
| Efficiency ratio | 70.0069% | 1,887 |
| Assets per employee ($millions) | 4.7655% | 3,520 |
| Cash dividends to net income (ytd only)* | 195.0640% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 2,988 |
| Loan loss allowance to noncurrent loans | 165.2897% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 2,307 |
| Noncurrent loans to loans | 0.6887% | 2,070 |
| Net loans and leases to total assets | 64.2934% | 2,736 |
| Net loans and leases to deposits | 77.2635% | 2,624 |
| Net loans and leases to core deposits | 82.4558% | 2,625 |
| Total domestic deposits to total assets | 83.2132% | 3,087 |
| Equity capital to assets | 10.6962% | 2,625 |
| Core capital (leverage) ratio | 10.1834% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $425,730,250 | 1,756 |
| Average earning assets | $398,801,000 | 1,750 |
| Average equity | $49,903,250 | 1,687 |
| Average total loans | $286,958,750 | 1,737 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 2,134 |
| Cost of funding earning assets | 0.6574% | 2,646 |
| Net interest margin | 3.7700% | 1,920 |
| Noninterest income to average assets | 0.7368% | 1,618 |
| Noninterest expense to average assets | 2.9368% | 1,747 |
| Loan and lease loss provision to assets | 0.0953% | 3,081 |
| Net operating income to assets | 0.8897% | 2,730 |
| Return on assets (ROA) | 0.8897% | 2,850 |
| Pretax return on assets | 1.2312% | 2,253 |
| Return on Equity (ROE) | 7.3636% | 2,985 |
| Retained earnings to average equity (ytd only) | 6.8314% | 1,727 |
| Net charge-offs to loans | 0.0161% | 2,418 |
| Credit loss provision to net charge-offs | 869.5652% | 866 |
| Earnings coverage of net charge-offs (x) | 121.0870% | 618 |
| Efficiency ratio | 68.8862% | 2,104 |
| Assets per employee ($millions) | 4.5481% | 3,726 |
| Cash dividends to net income (ytd only)* | 7.2270% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,138 |
| Loan loss allowance to noncurrent loans | 124.8713% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 2,001 |
| Noncurrent loans to loans | 0.8710% | 1,750 |
| Net loans and leases to total assets | 64.3344% | 2,842 |
| Net loans and leases to deposits | 78.2056% | 2,631 |
| Net loans and leases to core deposits | 83.1291% | 2,678 |
| Total domestic deposits to total assets | 82.2631% | 3,300 |
| Equity capital to assets | 11.6299% | 1,890 |
| Core capital (leverage) ratio | 11.5276% | 1,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $419,911,333 | 1,750 |
| Average earning assets | $392,781,333 | 1,745 |
| Average equity | $50,736,333 | 1,645 |
| Average total loans | $286,538,000 | 1,719 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 2,406 |
| Cost of funding earning assets | 0.6669% | 3,077 |
| Net interest margin | 3.7992% | 1,976 |
| Noninterest income to average assets | 0.7184% | 1,575 |
| Noninterest expense to average assets | 2.9926% | 1,902 |
| Loan and lease loss provision to assets | 0.0737% | 2,812 |
| Net operating income to assets | 0.7803% | 2,976 |
| Return on assets (ROA) | 0.7803% | 3,059 |
| Pretax return on assets | 1.1960% | 2,212 |
| Return on Equity (ROE) | 6.3284% | 3,196 |
| Retained earnings to average equity (ytd only) | 5.6111% | 2,028 |
| Net charge-offs to loans | 0.0253% | 1,861 |
| Credit loss provision to net charge-offs | 416.6667% | 976 |
| Earnings coverage of net charge-offs (x) | 71.7778% | 716 |
| Efficiency ratio | 70.2098% | 2,322 |
| Assets per employee ($millions) | 4.1486% | 3,721 |
| Cash dividends to net income (ytd only)* | 11.3350% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,339 |
| Loan loss allowance to noncurrent loans | 155.8582% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 2,482 |
| Noncurrent loans to loans | 0.6888% | 2,273 |
| Net loans and leases to total assets | 67.3737% | 2,637 |
| Net loans and leases to deposits | 82.8055% | 2,352 |
| Net loans and leases to core deposits | 88.3461% | 2,494 |
| Total domestic deposits to total assets | 81.3637% | 3,580 |
| Equity capital to assets | 12.1663% | 1,950 |
| Core capital (leverage) ratio | 12.0101% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,009,500 | 1,744 |
| Average earning assets | $379,662,500 | 1,740 |
| Average equity | $50,186,500 | 1,656 |
| Average total loans | $284,856,500 | 1,692 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5401% | 2,807 |
| Cost of funding earning assets | 0.6563% | 3,382 |
| Net interest margin | 3.8837% | 2,231 |
| Noninterest income to average assets | 0.7465% | 1,641 |
| Noninterest expense to average assets | 3.0523% | 1,871 |
| Loan and lease loss provision to assets | 0.0498% | 3,027 |
| Net operating income to assets | 1.0732% | 2,560 |
| Return on assets (ROA) | 1.0730% | 2,655 |
| Pretax return on assets | 1.2731% | 2,601 |
| Return on Equity (ROE) | 9.0699% | 2,719 |
| Retained earnings to average equity (ytd only) | 8.5440% | 820 |
| Net charge-offs to loans | 0.0035% | 3,552 |
| Credit loss provision to net charge-offs | 2,000.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 531.6000% | 180 |
| Efficiency ratio | 69.7594% | 2,205 |
| Assets per employee ($millions) | 3.7657% | 4,197 |
| Cash dividends to net income (ytd only)* | 5.7991% | 3,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,295 |
| Loan loss allowance to noncurrent loans | 223.5913% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 2,902 |
| Noncurrent loans to loans | 0.4635% | 2,786 |
| Net loans and leases to total assets | 71.1991% | 2,222 |
| Net loans and leases to deposits | 85.3561% | 2,172 |
| Net loans and leases to core deposits | 90.7836% | 2,347 |
| Total domestic deposits to total assets | 83.4142% | 3,059 |
| Equity capital to assets | 12.5012% | 1,817 |
| Core capital (leverage) ratio | 12.2300% | 1,639 |
| Tier 1 risk-based capital ratio | 17.9426% | 1,775 |
| Total risk-based capital ratio | 19.0448% | 1,765 |
| Memoranda: | ||
| Average total assets | $401,762,200 | 1,736 |
| Average earning assets | $375,413,800 | 1,727 |
| Average equity | $47,530,600 | 1,673 |
| Average total loans | $285,596,800 | 1,666 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 2,974 |
| Cost of funding earning assets | 0.6538% | 3,435 |
| Net interest margin | 3.8718% | 2,360 |
| Noninterest income to average assets | 0.7511% | 1,590 |
| Noninterest expense to average assets | 3.0704% | 1,777 |
| Loan and lease loss provision to assets | 0.0497% | 2,906 |
| Net operating income to assets | 1.0330% | 2,849 |
| Return on assets (ROA) | 1.0327% | 2,930 |
| Pretax return on assets | 1.2488% | 2,820 |
| Return on Equity (ROE) | 8.8540% | 2,939 |
| Retained earnings to average equity (ytd only) | 8.3569% | 1,264 |
| Net charge-offs to loans | -0.0238% | 4,629 |
| Credit loss provision to net charge-offs | -294.1176% | 4,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2738% | 2,078 |
| Assets per employee ($millions) | 3.5405% | 4,458 |
| Cash dividends to net income (ytd only)* | 5.6144% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,346 |
| Loan loss allowance to noncurrent loans | 278.3784% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 3,286 |
| Noncurrent loans to loans | 0.3736% | 3,220 |
| Net loans and leases to total assets | 71.6843% | 2,223 |
| Net loans and leases to deposits | 85.9251% | 2,197 |
| Net loans and leases to core deposits | 92.0419% | 2,363 |
| Total domestic deposits to total assets | 83.4265% | 3,015 |
| Equity capital to assets | 12.2947% | 2,045 |
| Core capital (leverage) ratio | 11.8818% | 1,933 |
| Tier 1 risk-based capital ratio | 17.3591% | 1,979 |
| Total risk-based capital ratio | 18.4546% | 1,980 |
| Memoranda: | ||
| Average total assets | $402,412,500 | 1,743 |
| Average earning assets | $376,047,750 | 1,735 |
| Average equity | $46,938,250 | 1,690 |
| Average total loans | $285,202,250 | 1,679 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 3,129 |
| Cost of funding earning assets | 0.6346% | 3,490 |
| Net interest margin | 3.8301% | 2,479 |
| Noninterest income to average assets | 0.7671% | 1,451 |
| Noninterest expense to average assets | 3.0942% | 1,747 |
| Loan and lease loss provision to assets | 0.0495% | 2,831 |
| Net operating income to assets | 0.9750% | 3,006 |
| Return on assets (ROA) | 0.9714% | 3,094 |
| Pretax return on assets | 1.1984% | 2,910 |
| Return on Equity (ROE) | 8.4777% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.7223% | 1,511 |
| Net charge-offs to loans | -0.0464% | 4,813 |
| Credit loss provision to net charge-offs | -151.5152% | 3,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1880% | 2,040 |
| Assets per employee ($millions) | 4.0037% | 3,854 |
| Cash dividends to net income (ytd only)* | 8.9104% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 3,439 |
| Loan loss allowance to noncurrent loans | 237.6812% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 2,829 |
| Noncurrent loans to loans | 0.4335% | 2,980 |
| Net loans and leases to total assets | 70.8262% | 2,419 |
| Net loans and leases to deposits | 85.5234% | 2,310 |
| Net loans and leases to core deposits | 91.6258% | 2,448 |
| Total domestic deposits to total assets | 82.8150% | 3,265 |
| Equity capital to assets | 11.8817% | 2,278 |
| Core capital (leverage) ratio | 11.5837% | 2,099 |
| Tier 1 risk-based capital ratio | 16.7227% | 2,172 |
| Total risk-based capital ratio | 17.7917% | 2,174 |
| Memoranda: | ||
| Average total assets | $404,371,330 | 1,744 |
| Average earning assets | $377,904,000 | 1,731 |
| Average equity | $46,333,330 | 1,704 |
| Average total loans | $284,522,670 | 1,693 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 3,204 |
| Cost of funding earning assets | 0.6164% | 3,481 |
| Net interest margin | 3.7891% | 2,568 |
| Noninterest income to average assets | 0.7510% | 1,429 |
| Noninterest expense to average assets | 2.9490% | 2,137 |
| Loan and lease loss provision to assets | 0.0492% | 2,676 |
| Net operating income to assets | 1.0670% | 2,591 |
| Return on assets (ROA) | 1.0670% | 2,642 |
| Pretax return on assets | 1.2924% | 2,485 |
| Return on Equity (ROE) | 9.4850% | 2,594 |
| Retained earnings to average equity (ytd only) | 8.6100% | 1,447 |
| Net charge-offs to loans | -0.0959% | 5,016 |
| Credit loss provision to net charge-offs | -73.5294% | 3,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7314% | 2,534 |
| Assets per employee ($millions) | 4.0110% | 3,906 |
| Cash dividends to net income (ytd only)* | 9.2251% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 3,570 |
| Loan loss allowance to noncurrent loans | 358.0764% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 3,123 |
| Noncurrent loans to loans | 0.2856% | 3,537 |
| Net loans and leases to total assets | 68.6859% | 2,663 |
| Net loans and leases to deposits | 81.2039% | 2,705 |
| Net loans and leases to core deposits | 86.9930% | 2,779 |
| Total domestic deposits to total assets | 84.5844% | 2,824 |
| Equity capital to assets | 11.3418% | 2,529 |
| Core capital (leverage) ratio | 11.1407% | 2,438 |
| Tier 1 risk-based capital ratio | 16.4058% | 2,302 |
| Total risk-based capital ratio | 17.4559% | 2,314 |
| Memoranda: | ||
| Average total assets | $406,370,500 | 1,747 |
| Average earning assets | $379,617,000 | 1,734 |
| Average equity | $45,714,500 | 1,714 |
| Average total loans | $283,523,500 | 1,705 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 3,220 |
| Cost of funding earning assets | 0.4966% | 3,383 |
| Net interest margin | 3.7707% | 2,779 |
| Noninterest income to average assets | 0.7839% | 1,507 |
| Noninterest expense to average assets | 2.9484% | 2,195 |
| Loan and lease loss provision to assets | 0.0369% | 3,461 |
| Net operating income to assets | 1.1166% | 2,528 |
| Return on assets (ROA) | 1.1166% | 2,529 |
| Pretax return on assets | 1.3230% | 2,424 |
| Return on Equity (ROE) | 9.8425% | 2,581 |
| Retained earnings to average equity (ytd only) | -0.3747% | 5,027 |
| Net charge-offs to loans | 0.0331% | 2,746 |
| Credit loss provision to net charge-offs | 164.8352% | 1,690 |
| Earnings coverage of net charge-offs (x) | 60.8132% | 1,012 |
| Efficiency ratio | 68.4367% | 2,477 |
| Assets per employee ($millions) | 3.5718% | 4,477 |
| Cash dividends to net income (ytd only)* | 103.8072% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 3,783 |
| Loan loss allowance to noncurrent loans | 549.5069% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 3,388 |
| Noncurrent loans to loans | 0.1791% | 3,953 |
| Net loans and leases to total assets | 69.4586% | 2,663 |
| Net loans and leases to deposits | 81.9203% | 2,745 |
| Net loans and leases to core deposits | 87.2895% | 2,810 |
| Total domestic deposits to total assets | 84.7880% | 2,735 |
| Equity capital to assets | 11.1559% | 2,547 |
| Core capital (leverage) ratio | 11.0373% | 2,491 |
| Tier 1 risk-based capital ratio | 15.5315% | 2,600 |
| Total risk-based capital ratio | 16.5037% | 2,653 |
| Memoranda: | ||
| Average total assets | $406,962,600 | 1,686 |
| Average earning assets | $380,379,400 | 1,670 |
| Average equity | $46,167,000 | 1,626 |
| Average total loans | $275,184,600 | 1,697 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2122% | 3,275 |
| Cost of funding earning assets | 0.4678% | 3,407 |
| Net interest margin | 3.7443% | 2,851 |
| Noninterest income to average assets | 0.7883% | 1,512 |
| Noninterest expense to average assets | 2.9612% | 2,141 |
| Loan and lease loss provision to assets | 0.0294% | 3,427 |
| Net operating income to assets | 0.9890% | 3,132 |
| Return on assets (ROA) | 0.9890% | 3,141 |
| Pretax return on assets | 1.2990% | 2,635 |
| Return on Equity (ROE) | 8.6826% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.5775% | 1,859 |
| Net charge-offs to loans | 0.0307% | 2,480 |
| Credit loss provision to net charge-offs | 142.8571% | 1,770 |
| Earnings coverage of net charge-offs (x) | 64.4905% | 1,011 |
| Efficiency ratio | 69.0320% | 2,352 |
| Assets per employee ($millions) | 3.7620% | 4,224 |
| Cash dividends to net income (ytd only)* | 12.7273% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 3,921 |
| Loan loss allowance to noncurrent loans | 474.6552% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 3,492 |
| Noncurrent loans to loans | 0.2053% | 3,982 |
| Net loans and leases to total assets | 68.8624% | 2,811 |
| Net loans and leases to deposits | 83.8258% | 2,620 |
| Net loans and leases to core deposits | 89.8715% | 2,672 |
| Total domestic deposits to total assets | 82.1494% | 3,566 |
| Equity capital to assets | 11.6795% | 2,125 |
| Core capital (leverage) ratio | 11.6270% | 2,067 |
| Tier 1 risk-based capital ratio | 16.7215% | 2,198 |
| Total risk-based capital ratio | 17.6944% | 2,233 |
| Memoranda: | ||
| Average total assets | $407,799,250 | 1,688 |
| Average earning assets | $381,330,750 | 1,674 |
| Average equity | $46,452,000 | 1,618 |
| Average total loans | $273,197,750 | 1,712 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 3,274 |
| Cost of funding earning assets | 0.4497% | 3,362 |
| Net interest margin | 3.7023% | 2,917 |
| Noninterest income to average assets | 0.8077% | 1,452 |
| Noninterest expense to average assets | 2.9998% | 2,043 |
| Loan and lease loss provision to assets | 0.0294% | 3,325 |
| Net operating income to assets | 0.9331% | 3,312 |
| Return on assets (ROA) | 0.9331% | 3,315 |
| Pretax return on assets | 1.2427% | 2,754 |
| Return on Equity (ROE) | 8.2614% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.1339% | 2,011 |
| Net charge-offs to loans | 0.0289% | 2,279 |
| Credit loss provision to net charge-offs | 153.8462% | 1,553 |
| Earnings coverage of net charge-offs (x) | 66.5897% | 935 |
| Efficiency ratio | 70.2213% | 2,276 |
| Assets per employee ($millions) | 3.5260% | 4,555 |
| Cash dividends to net income (ytd only)* | 13.6483% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 3,821 |
| Loan loss allowance to noncurrent loans | 773.8028% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 3,788 |
| Noncurrent loans to loans | 0.1296% | 4,325 |
| Net loans and leases to total assets | 66.2788% | 3,098 |
| Net loans and leases to deposits | 77.3837% | 3,215 |
| Net loans and leases to core deposits | 82.9619% | 3,164 |
| Total domestic deposits to total assets | 85.6496% | 2,433 |
| Equity capital to assets | 11.4195% | 2,253 |
| Core capital (leverage) ratio | 11.2915% | 2,261 |
| Tier 1 risk-based capital ratio | 16.9481% | 2,121 |
| Total risk-based capital ratio | 17.9532% | 2,141 |
| Memoranda: | ||
| Average total assets | $408,299,000 | 1,687 |
| Average earning assets | $382,035,670 | 1,680 |
| Average equity | $46,118,000 | 1,630 |
| Average total loans | $270,083,330 | 1,731 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0911% | 3,263 |
| Cost of funding earning assets | 0.4298% | 3,372 |
| Net interest margin | 3.6613% | 2,953 |
| Noninterest income to average assets | 0.8187% | 1,395 |
| Noninterest expense to average assets | 2.9093% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0247% | 2,754 |
| Return on assets (ROA) | 1.0247% | 2,774 |
| Pretax return on assets | 1.3345% | 2,233 |
| Return on Equity (ROE) | 9.1221% | 2,848 |
| Retained earnings to average equity (ytd only) | 7.9436% | 1,862 |
| Net charge-offs to loans | 0.0447% | 1,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 45.3667% | 991 |
| Efficiency ratio | 68.5536% | 2,739 |
| Assets per employee ($millions) | 3.5747% | 4,579 |
| Cash dividends to net income (ytd only)* | 12.9187% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 3,943 |
| Loan loss allowance to noncurrent loans | 772.4928% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 3,954 |
| Noncurrent loans to loans | 0.1297% | 4,385 |
| Net loans and leases to total assets | 64.8207% | 3,200 |
| Net loans and leases to deposits | 75.4045% | 3,281 |
| Net loans and leases to core deposits | 82.4578% | 3,107 |
| Total domestic deposits to total assets | 85.9640% | 2,562 |
| Equity capital to assets | 11.1935% | 2,393 |
| Core capital (leverage) ratio | 11.0707% | 2,358 |
| Tier 1 risk-based capital ratio | 14.3658% | 3,186 |
| Total risk-based capital ratio | 15.2154% | 3,310 |
| Memoranda: | ||
| Average total assets | $407,939,000 | 1,701 |
| Average earning assets | $381,609,500 | 1,689 |
| Average equity | $45,823,000 | 1,651 |
| Average total loans | $268,205,000 | 1,752 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9296% | 3,636 |
| Cost of funding earning assets | 0.3919% | 3,318 |
| Net interest margin | 3.5377% | 3,390 |
| Noninterest income to average assets | 0.7713% | 1,688 |
| Noninterest expense to average assets | 2.8806% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9442% | 2,474 |
| Return on assets (ROA) | 0.9442% | 2,505 |
| Pretax return on assets | 1.1963% | 2,784 |
| Return on Equity (ROE) | 8.6472% | 2,475 |
| Retained earnings to average equity (ytd only) | 7.5894% | 893 |
| Net charge-offs to loans | 0.0266% | 3,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 73.4328% | 819 |
| Efficiency ratio | 70.6566% | 2,446 |
| Assets per employee ($millions) | 3.5533% | 4,632 |
| Cash dividends to net income (ytd only)* | 12.2328% | 3,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 3,812 |
| Loan loss allowance to noncurrent loans | 1,336.2745% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 4,140 |
| Noncurrent loans to loans | 0.0763% | 4,657 |
| Net loans and leases to total assets | 65.3003% | 3,183 |
| Net loans and leases to deposits | 75.8540% | 3,341 |
| Net loans and leases to core deposits | 85.4492% | 2,948 |
| Total domestic deposits to total assets | 86.0867% | 2,395 |
| Equity capital to assets | 11.3437% | 2,332 |
| Core capital (leverage) ratio | 11.2315% | 2,141 |
| Tier 1 risk-based capital ratio | 13.9764% | 3,374 |
| Total risk-based capital ratio | 14.8231% | 3,500 |
| Memoranda: | ||
| Average total assets | $411,268,200 | 1,663 |
| Average earning assets | $384,291,400 | 1,652 |
| Average equity | $44,904,600 | 1,663 |
| Average total loans | $252,041,800 | 1,802 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8863% | 3,722 |
| Cost of funding earning assets | 0.3919% | 3,278 |
| Net interest margin | 3.4944% | 3,520 |
| Noninterest income to average assets | 0.7990% | 1,597 |
| Noninterest expense to average assets | 2.9020% | 2,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9179% | 2,932 |
| Return on assets (ROA) | 0.9179% | 2,997 |
| Pretax return on assets | 1.1624% | 3,052 |
| Return on Equity (ROE) | 8.4879% | 2,888 |
| Retained earnings to average equity (ytd only) | 7.5919% | 1,391 |
| Net charge-offs to loans | 0.0381% | 2,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 50.6925% | 1,104 |
| Efficiency ratio | 71.4002% | 2,303 |
| Assets per employee ($millions) | 3.4570% | 4,790 |
| Cash dividends to net income (ytd only)* | 10.5559% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 3,710 |
| Loan loss allowance to noncurrent loans | 784.4380% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 4,100 |
| Noncurrent loans to loans | 0.1357% | 4,512 |
| Net loans and leases to total assets | 63.6557% | 3,457 |
| Net loans and leases to deposits | 73.9501% | 3,574 |
| Net loans and leases to core deposits | 80.6738% | 3,391 |
| Total domestic deposits to total assets | 86.0793% | 2,278 |
| Equity capital to assets | 11.6068% | 2,272 |
| Core capital (leverage) ratio | 10.9635% | 2,489 |
| Tier 1 risk-based capital ratio | 14.0149% | 3,433 |
| Total risk-based capital ratio | 14.8706% | 3,555 |
| Memoranda: | ||
| Average total assets | $412,815,000 | 1,673 |
| Average earning assets | $385,755,500 | 1,654 |
| Average equity | $44,643,000 | 1,685 |
| Average total loans | $248,241,000 | 1,832 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 4,005 |
| Cost of funding earning assets | 0.3921% | 3,146 |
| Net interest margin | 3.3773% | 3,847 |
| Noninterest income to average assets | 0.8150% | 1,516 |
| Noninterest expense to average assets | 2.8935% | 2,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8509% | 3,150 |
| Return on assets (ROA) | 0.8509% | 3,201 |
| Pretax return on assets | 1.0792% | 3,265 |
| Return on Equity (ROE) | 8.0557% | 2,998 |
| Retained earnings to average equity (ytd only) | 7.1495% | 1,519 |
| Net charge-offs to loans | 0.0529% | 2,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 34.6923% | 1,361 |
| Efficiency ratio | 72.8346% | 2,208 |
| Assets per employee ($millions) | 3.6636% | 4,491 |
| Cash dividends to net income (ytd only)* | 11.2486% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 3,599 |
| Loan loss allowance to noncurrent loans | 762.0112% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 4,195 |
| Noncurrent loans to loans | 0.1440% | 4,545 |
| Net loans and leases to total assets | 59.4140% | 3,893 |
| Net loans and leases to deposits | 67.6313% | 4,100 |
| Net loans and leases to core deposits | 75.0376% | 3,852 |
| Total domestic deposits to total assets | 87.8498% | 1,531 |
| Equity capital to assets | 10.9279% | 2,895 |
| Core capital (leverage) ratio | 10.4288% | 2,995 |
| Tier 1 risk-based capital ratio | 14.0414% | 3,413 |
| Total risk-based capital ratio | 14.9196% | 3,528 |
| Memoranda: | ||
| Average total assets | $417,900,330 | 1,653 |
| Average earning assets | $390,721,330 | 1,639 |
| Average equity | $44,142,670 | 1,699 |
| Average total loans | $245,724,330 | 1,850 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7024% | 4,113 |
| Cost of funding earning assets | 0.3964% | 3,025 |
| Net interest margin | 3.3060% | 3,986 |
| Noninterest income to average assets | 0.8403% | 1,432 |
| Noninterest expense to average assets | 2.8352% | 2,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8384% | 3,047 |
| Return on assets (ROA) | 0.8384% | 3,093 |
| Pretax return on assets | 1.0956% | 3,007 |
| Return on Equity (ROE) | 8.0745% | 2,887 |
| Retained earnings to average equity (ytd only) | 6.6982% | 1,981 |
| Net charge-offs to loans | 0.0393% | 2,027 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 47.9167% | 927 |
| Efficiency ratio | 72.1280% | 2,546 |
| Assets per employee ($millions) | 3.8714% | 4,230 |
| Cash dividends to net income (ytd only)* | 17.0455% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 3,501 |
| Loan loss allowance to noncurrent loans | 636.5517% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 4,130 |
| Noncurrent loans to loans | 0.1779% | 4,489 |
| Net loans and leases to total assets | 56.7646% | 4,095 |
| Net loans and leases to deposits | 64.1528% | 4,297 |
| Net loans and leases to core deposits | 72.1426% | 3,974 |
| Total domestic deposits to total assets | 88.4835% | 1,434 |
| Equity capital to assets | 10.3636% | 3,333 |
| Core capital (leverage) ratio | 10.1283% | 3,338 |
| Tier 1 risk-based capital ratio | 14.3869% | 3,269 |
| Total risk-based capital ratio | 15.3183% | 3,351 |
| Memoranda: | ||
| Average total assets | $419,858,000 | 1,662 |
| Average earning assets | $392,497,500 | 1,647 |
| Average equity | $43,594,000 | 1,723 |
| Average total loans | $244,240,000 | 1,870 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8884% | 3,609 |
| Cost of funding earning assets | 0.3984% | 3,015 |
| Net interest margin | 3.4900% | 3,469 |
| Noninterest income to average assets | 0.8451% | 1,594 |
| Noninterest expense to average assets | 2.9256% | 2,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8746% | 2,955 |
| Return on assets (ROA) | 0.8741% | 3,069 |
| Pretax return on assets | 1.1763% | 2,774 |
| Return on Equity (ROE) | 8.0854% | 2,893 |
| Retained earnings to average equity (ytd only) | 7.1802% | 1,157 |
| Net charge-offs to loans | 0.0703% | 2,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 27.7305% | 1,503 |
| Efficiency ratio | 70.8524% | 2,771 |
| Assets per employee ($millions) | 3.6952% | 4,484 |
| Cash dividends to net income (ytd only)* | 11.1951% | 3,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 3,464 |
| Loan loss allowance to noncurrent loans | 311.3712% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 3,818 |
| Noncurrent loans to loans | 0.3677% | 3,803 |
| Net loans and leases to total assets | 58.2764% | 4,039 |
| Net loans and leases to deposits | 65.8731% | 4,252 |
| Net loans and leases to core deposits | 75.4090% | 3,803 |
| Total domestic deposits to total assets | 88.4676% | 1,393 |
| Equity capital to assets | 10.4031% | 3,266 |
| Core capital (leverage) ratio | 10.3954% | 2,995 |
| Tier 1 risk-based capital ratio | 14.6170% | 3,140 |
| Total risk-based capital ratio | 15.5893% | 3,193 |
| Memoranda: | ||
| Average total assets | $393,451,200 | 1,710 |
| Average earning assets | $367,250,400 | 1,695 |
| Average equity | $42,533,600 | 1,739 |
| Average total loans | $237,695,200 | 1,861 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 3,480 |
| Cost of funding earning assets | 0.3947% | 3,070 |
| Net interest margin | 3.5394% | 3,320 |
| Noninterest income to average assets | 0.8226% | 1,679 |
| Noninterest expense to average assets | 2.9550% | 2,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9384% | 2,712 |
| Return on assets (ROA) | 0.9376% | 2,840 |
| Pretax return on assets | 1.1697% | 2,969 |
| Return on Equity (ROE) | 8.5871% | 2,715 |
| Retained earnings to average equity (ytd only) | 7.7539% | 1,282 |
| Net charge-offs to loans | -0.0113% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1159% | 2,718 |
| Assets per employee ($millions) | 3.6958% | 4,487 |
| Cash dividends to net income (ytd only)* | 9.7033% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,999 |
| Loan loss allowance to noncurrent loans | 422.6950% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 4,057 |
| Noncurrent loans to loans | 0.2942% | 4,203 |
| Net loans and leases to total assets | 59.2983% | 3,971 |
| Net loans and leases to deposits | 67.5291% | 4,201 |
| Net loans and leases to core deposits | 75.7934% | 3,860 |
| Total domestic deposits to total assets | 87.8114% | 1,497 |
| Equity capital to assets | 10.9233% | 3,093 |
| Core capital (leverage) ratio | 10.3554% | 3,148 |
| Tier 1 risk-based capital ratio | 14.8444% | 3,125 |
| Total risk-based capital ratio | 15.9131% | 3,146 |
| Memoranda: | ||
| Average total assets | $388,349,250 | 1,729 |
| Average earning assets | $362,426,000 | 1,716 |
| Average equity | $42,403,500 | 1,754 |
| Average total loans | $236,125,250 | 1,867 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 3,426 |
| Cost of funding earning assets | 0.3950% | 3,095 |
| Net interest margin | 3.5555% | 3,279 |
| Noninterest income to average assets | 0.8426% | 1,576 |
| Noninterest expense to average assets | 2.9494% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0212% | 2,291 |
| Return on assets (ROA) | 1.0199% | 2,434 |
| Pretax return on assets | 1.2091% | 2,754 |
| Return on Equity (ROE) | 9.3418% | 2,341 |
| Retained earnings to average equity (ytd only) | 8.5086% | 1,007 |
| Net charge-offs to loans | -0.0196% | 4,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3986% | 2,920 |
| Assets per employee ($millions) | 3.6530% | 4,513 |
| Cash dividends to net income (ytd only)* | 8.9195% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 3,022 |
| Loan loss allowance to noncurrent loans | 434.2067% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 4,123 |
| Noncurrent loans to loans | 0.2899% | 4,335 |
| Net loans and leases to total assets | 59.8584% | 3,899 |
| Net loans and leases to deposits | 68.2554% | 4,157 |
| Net loans and leases to core deposits | 77.8039% | 3,659 |
| Total domestic deposits to total assets | 87.6976% | 1,572 |
| Equity capital to assets | 11.0585% | 2,992 |
| Core capital (leverage) ratio | 10.2795% | 3,229 |
| Tier 1 risk-based capital ratio | 14.4182% | 3,367 |
| Total risk-based capital ratio | 15.5060% | 3,384 |
| Memoranda: | ||
| Average total assets | $384,750,670 | 1,740 |
| Average earning assets | $358,990,330 | 1,735 |
| Average equity | $42,004,670 | 1,765 |
| Average total loans | $234,945,000 | 1,879 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9481% | 3,408 |
| Cost of funding earning assets | 0.4007% | 3,055 |
| Net interest margin | 3.5474% | 3,294 |
| Noninterest income to average assets | 0.8426% | 1,464 |
| Noninterest expense to average assets | 2.9155% | 2,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0396% | 2,121 |
| Return on assets (ROA) | 1.0396% | 2,245 |
| Pretax return on assets | 1.2303% | 2,579 |
| Return on Equity (ROE) | 9.5858% | 2,163 |
| Retained earnings to average equity (ytd only) | 8.8611% | 1,159 |
| Net charge-offs to loans | -0.0787% | 5,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0202% | 3,125 |
| Assets per employee ($millions) | 3.9584% | 4,024 |
| Cash dividends to net income (ytd only)* | 7.5605% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 3,028 |
| Loan loss allowance to noncurrent loans | 238.1933% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 3,614 |
| Noncurrent loans to loans | 0.5352% | 3,584 |
| Net loans and leases to total assets | 60.6240% | 3,696 |
| Net loans and leases to deposits | 69.3575% | 3,914 |
| Net loans and leases to core deposits | 76.6633% | 3,618 |
| Total domestic deposits to total assets | 87.4081% | 1,986 |
| Equity capital to assets | 10.9368% | 3,012 |
| Core capital (leverage) ratio | 9.9256% | 3,630 |
| Tier 1 risk-based capital ratio | 14.0850% | 3,632 |
| Total risk-based capital ratio | 15.2007% | 3,650 |
| Memoranda: | ||
| Average total assets | $381,688,000 | 1,757 |
| Average earning assets | $355,415,500 | 1,752 |
| Average equity | $41,394,500 | 1,785 |
| Average total loans | $233,940,000 | 1,885 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 3,359 |
| Cost of funding earning assets | 0.4298% | 2,848 |
| Net interest margin | 3.5564% | 3,297 |
| Noninterest income to average assets | 0.9288% | 1,358 |
| Noninterest expense to average assets | 3.0076% | 2,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0128% | 2,293 |
| Return on assets (ROA) | 1.0128% | 2,376 |
| Pretax return on assets | 1.2297% | 2,546 |
| Return on Equity (ROE) | 9.5380% | 2,202 |
| Retained earnings to average equity (ytd only) | 8.5713% | 757 |
| Net charge-offs to loans | 0.0395% | 3,438 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 51.7273% | 976 |
| Efficiency ratio | 70.5324% | 3,140 |
| Assets per employee ($millions) | 3.7198% | 4,442 |
| Cash dividends to net income (ytd only)* | 10.1360% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 3,036 |
| Loan loss allowance to noncurrent loans | 226.6462% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 3,604 |
| Noncurrent loans to loans | 0.5627% | 3,487 |
| Net loans and leases to total assets | 60.3933% | 3,779 |
| Net loans and leases to deposits | 68.8648% | 4,042 |
| Net loans and leases to core deposits | 80.0938% | 3,338 |
| Total domestic deposits to total assets | 87.6985% | 1,794 |
| Equity capital to assets | 10.7523% | 3,072 |
| Core capital (leverage) ratio | 10.0548% | 3,434 |
| Tier 1 risk-based capital ratio | 13.7796% | 3,838 |
| Total risk-based capital ratio | 14.8770% | 3,862 |
| Memoranda: | ||
| Average total assets | $370,159,600 | 1,771 |
| Average earning assets | $344,366,000 | 1,766 |
| Average equity | $39,305,800 | 1,829 |
| Average total loans | $222,722,000 | 1,907 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9955% | 3,362 |
| Cost of funding earning assets | 0.4335% | 2,866 |
| Net interest margin | 3.5620% | 3,295 |
| Noninterest income to average assets | 0.8996% | 1,450 |
| Noninterest expense to average assets | 3.0287% | 2,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9605% | 2,667 |
| Return on assets (ROA) | 0.9605% | 2,751 |
| Pretax return on assets | 1.1856% | 2,872 |
| Return on Equity (ROE) | 9.0751% | 2,537 |
| Retained earnings to average equity (ytd only) | 8.2019% | 1,165 |
| Net charge-offs to loans | 0.0436% | 3,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 45.4294% | 1,124 |
| Efficiency ratio | 71.3856% | 2,981 |
| Assets per employee ($millions) | 3.4930% | 4,798 |
| Cash dividends to net income (ytd only)* | 9.6226% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 2,853 |
| Loan loss allowance to noncurrent loans | 407.6712% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 4,301 |
| Noncurrent loans to loans | 0.3311% | 4,423 |
| Net loans and leases to total assets | 58.7504% | 4,048 |
| Net loans and leases to deposits | 67.2351% | 4,261 |
| Net loans and leases to core deposits | 74.1826% | 4,000 |
| Total domestic deposits to total assets | 87.3805% | 1,855 |
| Equity capital to assets | 10.8269% | 3,215 |
| Core capital (leverage) ratio | 9.7391% | 3,981 |
| Tier 1 risk-based capital ratio | 14.0055% | 3,843 |
| Total risk-based capital ratio | 15.1581% | 3,844 |
| Memoranda: | ||
| Average total assets | $367,845,500 | 1,793 |
| Average earning assets | $342,307,500 | 1,785 |
| Average equity | $38,933,250 | 1,864 |
| Average total loans | $220,377,000 | 1,926 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9824% | 3,367 |
| Cost of funding earning assets | 0.4401% | 2,841 |
| Net interest margin | 3.5423% | 3,326 |
| Noninterest income to average assets | 0.9198% | 1,391 |
| Noninterest expense to average assets | 3.0084% | 2,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9830% | 2,489 |
| Return on assets (ROA) | 0.9830% | 2,597 |
| Pretax return on assets | 1.2097% | 2,734 |
| Return on Equity (ROE) | 9.3596% | 2,358 |
| Retained earnings to average equity (ytd only) | 8.4257% | 1,107 |
| Net charge-offs to loans | 0.0654% | 2,445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 30.8333% | 1,340 |
| Efficiency ratio | 70.8436% | 3,190 |
| Assets per employee ($millions) | 3.5075% | 4,772 |
| Cash dividends to net income (ytd only)* | 9.9778% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 3,016 |
| Loan loss allowance to noncurrent loans | 282.3529% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 4,394 |
| Noncurrent loans to loans | 0.4757% | 4,047 |
| Net loans and leases to total assets | 59.3566% | 3,926 |
| Net loans and leases to deposits | 67.6793% | 4,161 |
| Net loans and leases to core deposits | 74.9704% | 3,853 |
| Total domestic deposits to total assets | 87.7029% | 1,789 |
| Equity capital to assets | 10.5863% | 3,344 |
| Core capital (leverage) ratio | 9.9274% | 3,706 |
| Tier 1 risk-based capital ratio | 14.0099% | 3,914 |
| Total risk-based capital ratio | 15.1541% | 3,914 |
| Memoranda: | ||
| Average total assets | $367,043,000 | 1,806 |
| Average earning assets | $341,753,330 | 1,792 |
| Average equity | $38,548,670 | 1,891 |
| Average total loans | $220,335,670 | 1,938 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9372% | 3,473 |
| Cost of funding earning assets | 0.4491% | 2,775 |
| Net interest margin | 3.4881% | 3,488 |
| Noninterest income to average assets | 0.8417% | 1,569 |
| Noninterest expense to average assets | 2.9867% | 2,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8853% | 2,818 |
| Return on assets (ROA) | 0.8853% | 2,944 |
| Pretax return on assets | 1.1026% | 3,064 |
| Return on Equity (ROE) | 8.4636% | 2,718 |
| Retained earnings to average equity (ytd only) | 7.4200% | 1,802 |
| Net charge-offs to loans | 0.0182% | 2,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 490 |
| Efficiency ratio | 72.5307% | 3,083 |
| Assets per employee ($millions) | 3.5909% | 4,740 |
| Cash dividends to net income (ytd only)* | 12.3305% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 2,894 |
| Loan loss allowance to noncurrent loans | 351.6204% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 4,624 |
| Noncurrent loans to loans | 0.3994% | 4,391 |
| Net loans and leases to total assets | 57.1072% | 4,078 |
| Net loans and leases to deposits | 65.1493% | 4,255 |
| Net loans and leases to core deposits | 72.2583% | 3,939 |
| Total domestic deposits to total assets | 87.6558% | 2,012 |
| Equity capital to assets | 10.3967% | 3,654 |
| Core capital (leverage) ratio | 10.2304% | 3,304 |
| Tier 1 risk-based capital ratio | 18.3766% | 2,042 |
| Total risk-based capital ratio | 19.6830% | 1,969 |
| Memoranda: | ||
| Average total assets | $366,420,000 | 1,813 |
| Average earning assets | $341,156,000 | 1,797 |
| Average equity | $38,329,000 | 1,909 |
| Average total loans | $219,713,500 | 1,940 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 3,193 |
| Cost of funding earning assets | 0.5146% | 2,535 |
| Net interest margin | 3.6182% | 3,338 |
| Noninterest income to average assets | 0.8821% | 1,560 |
| Noninterest expense to average assets | 3.0249% | 2,771 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9635% | 2,566 |
| Return on assets (ROA) | 0.9635% | 2,649 |
| Pretax return on assets | 1.2138% | 2,599 |
| Return on Equity (ROE) | 9.4421% | 2,364 |
| Retained earnings to average equity (ytd only) | 8.4519% | 848 |
| Net charge-offs to loans | 0.0423% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 48.0556% | 956 |
| Efficiency ratio | 71.0322% | 3,368 |
| Assets per employee ($millions) | 3.5583% | 4,801 |
| Cash dividends to net income (ytd only)* | 10.4865% | 4,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 3,104 |
| Loan loss allowance to noncurrent loans | 305.1051% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 4,560 |
| Noncurrent loans to loans | 0.4477% | 4,300 |
| Net loans and leases to total assets | 61.2356% | 3,606 |
| Net loans and leases to deposits | 69.9063% | 3,923 |
| Net loans and leases to core deposits | 79.4794% | 3,351 |
| Total domestic deposits to total assets | 87.5966% | 1,984 |
| Equity capital to assets | 10.5266% | 3,444 |
| Core capital (leverage) ratio | 9.9987% | 3,575 |
| Tier 1 risk-based capital ratio | 16.2737% | 2,822 |
| Total risk-based capital ratio | 17.5229% | 2,769 |
| Memoranda: | ||
| Average total assets | $356,311,800 | 1,831 |
| Average earning assets | $330,550,800 | 1,816 |
| Average equity | $36,358,600 | 1,933 |
| Average total loans | $212,791,600 | 1,954 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 3,319 |
| Cost of funding earning assets | 0.5252% | 2,513 |
| Net interest margin | 3.5901% | 3,466 |
| Noninterest income to average assets | 0.8959% | 1,536 |
| Noninterest expense to average assets | 2.8973% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0748% | 2,137 |
| Return on assets (ROA) | 1.0748% | 2,206 |
| Pretax return on assets | 1.3256% | 2,285 |
| Return on Equity (ROE) | 10.6174% | 1,940 |
| Retained earnings to average equity (ytd only) | 9.5986% | 808 |
| Net charge-offs to loans | 0.0514% | 3,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 43.6409% | 1,068 |
| Efficiency ratio | 68.1645% | 3,829 |
| Assets per employee ($millions) | 3.5448% | 4,777 |
| Cash dividends to net income (ytd only)* | 9.5953% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 3,126 |
| Loan loss allowance to noncurrent loans | 311.6208% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 5,004 |
| Noncurrent loans to loans | 0.4527% | 4,543 |
| Net loans and leases to total assets | 60.2709% | 3,739 |
| Net loans and leases to deposits | 69.0336% | 4,018 |
| Net loans and leases to core deposits | 76.5474% | 3,685 |
| Total domestic deposits to total assets | 87.3066% | 2,151 |
| Equity capital to assets | 10.5767% | 3,460 |
| Core capital (leverage) ratio | 9.8591% | 3,864 |
| Tier 1 risk-based capital ratio | 16.3347% | 2,885 |
| Total risk-based capital ratio | 17.5829% | 2,836 |
| Memoranda: | ||
| Average total assets | $355,543,250 | 1,849 |
| Average earning assets | $329,494,500 | 1,833 |
| Average equity | $35,990,500 | 1,959 |
| Average total loans | $210,209,500 | 1,983 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0700% | 3,467 |
| Cost of funding earning assets | 0.5339% | 2,501 |
| Net interest margin | 3.5361% | 3,625 |
| Noninterest income to average assets | 0.9070% | 1,478 |
| Noninterest expense to average assets | 2.8930% | 3,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0385% | 2,173 |
| Return on assets (ROA) | 1.0385% | 2,239 |
| Pretax return on assets | 1.2891% | 2,299 |
| Return on Equity (ROE) | 10.4142% | 1,972 |
| Retained earnings to average equity (ytd only) | 9.1462% | 941 |
| Net charge-offs to loans | 0.0510% | 3,244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 43.2830% | 998 |
| Efficiency ratio | 68.6778% | 3,883 |
| Assets per employee ($millions) | 3.4517% | 4,944 |
| Cash dividends to net income (ytd only)* | 12.1753% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 3,138 |
| Loan loss allowance to noncurrent loans | 452.3460% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 5,296 |
| Noncurrent loans to loans | 0.3190% | 5,055 |
| Net loans and leases to total assets | 59.2627% | 3,823 |
| Net loans and leases to deposits | 67.5889% | 4,096 |
| Net loans and leases to core deposits | 75.6788% | 3,653 |
| Total domestic deposits to total assets | 87.6811% | 2,094 |
| Equity capital to assets | 10.2628% | 3,743 |
| Core capital (leverage) ratio | 9.6327% | 4,138 |
| Tier 1 risk-based capital ratio | 15.9952% | 3,089 |
| Total risk-based capital ratio | 17.2458% | 3,025 |
| Memoranda: | ||
| Average total assets | $355,899,000 | 1,842 |
| Average earning assets | $329,629,000 | 1,826 |
| Average equity | $35,490,000 | 1,971 |
| Average total loans | $208,045,000 | 1,992 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 3,575 |
| Cost of funding earning assets | 0.5437% | 2,475 |
| Net interest margin | 3.4846% | 3,764 |
| Noninterest income to average assets | 0.8571% | 1,530 |
| Noninterest expense to average assets | 2.6544% | 4,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4277% | 937 |
| Return on assets (ROA) | 1.4277% | 979 |
| Pretax return on assets | 1.4277% | 1,650 |
| Return on Equity (ROE) | 14.5292% | 855 |
| Retained earnings to average equity (ytd only) | 13.1003% | 474 |
| Net charge-offs to loans | -0.0019% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0248% | 4,687 |
| Assets per employee ($millions) | 3.3966% | 5,160 |
| Cash dividends to net income (ytd only)* | 9.8348% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 3,079 |
| Loan loss allowance to noncurrent loans | 547.8185% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 5,476 |
| Noncurrent loans to loans | 0.2767% | 5,275 |
| Net loans and leases to total assets | 56.6443% | 4,059 |
| Net loans and leases to deposits | 64.4463% | 4,270 |
| Net loans and leases to core deposits | 70.8635% | 3,999 |
| Total domestic deposits to total assets | 87.8938% | 2,291 |
| Equity capital to assets | 9.9217% | 3,938 |
| Core capital (leverage) ratio | 9.4101% | 4,409 |
| Tier 1 risk-based capital ratio | 16.2789% | 3,023 |
| Total risk-based capital ratio | 17.5229% | 2,985 |
| Memoranda: | ||
| Average total assets | $356,085,000 | 1,847 |
| Average earning assets | $329,567,500 | 1,830 |
| Average equity | $34,991,500 | 1,981 |
| Average total loans | $205,177,500 | 2,013 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 3,679 |
| Cost of funding earning assets | 0.5832% | 2,804 |
| Net interest margin | 3.5317% | 3,755 |
| Noninterest income to average assets | 1.2163% | 952 |
| Noninterest expense to average assets | 3.3284% | 2,055 |
| Loan and lease loss provision to assets | 0.1111% | 2,953 |
| Net operating income to assets | 0.9199% | 2,680 |
| Return on assets (ROA) | 0.8992% | 2,876 |
| Pretax return on assets | 1.0345% | 3,211 |
| Return on Equity (ROE) | 9.2867% | 2,420 |
| Retained earnings to average equity (ytd only) | 8.2734% | 964 |
| Net charge-offs to loans | 0.1229% | 3,579 |
| Credit loss provision to net charge-offs | 161.7647% | 1,419 |
| Earnings coverage of net charge-offs (x) | 16.9832% | 1,749 |
| Efficiency ratio | 72.8236% | 3,327 |
| Assets per employee ($millions) | 3.5932% | 4,698 |
| Cash dividends to net income (ytd only)* | 10.9114% | 4,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 2,987 |
| Loan loss allowance to noncurrent loans | 440.1122% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 5,394 |
| Noncurrent loans to loans | 0.3508% | 5,136 |
| Net loans and leases to total assets | 56.8358% | 4,211 |
| Net loans and leases to deposits | 64.5366% | 4,456 |
| Net loans and leases to core deposits | 73.4612% | 3,898 |
| Total domestic deposits to total assets | 88.0675% | 2,139 |
| Equity capital to assets | 9.7296% | 4,134 |
| Core capital (leverage) ratio | 9.4109% | 4,394 |
| Tier 1 risk-based capital ratio | 15.9807% | 3,098 |
| Total risk-based capital ratio | 17.2076% | 3,073 |
| Memoranda: | ||
| Average total assets | $346,537,600 | 1,865 |
| Average earning assets | $321,688,600 | 1,848 |
| Average equity | $33,553,400 | 2,056 |
| Average total loans | $193,728,600 | 2,061 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 3,726 |
| Cost of funding earning assets | 0.5897% | 2,902 |
| Net interest margin | 3.5187% | 3,796 |
| Noninterest income to average assets | 1.1987% | 1,020 |
| Noninterest expense to average assets | 3.2465% | 2,214 |
| Loan and lease loss provision to assets | 0.1487% | 2,416 |
| Net operating income to assets | 0.9337% | 2,667 |
| Return on assets (ROA) | 0.9337% | 2,781 |
| Pretax return on assets | 1.0697% | 3,225 |
| Return on Equity (ROE) | 9.6553% | 2,328 |
| Retained earnings to average equity (ytd only) | 8.6965% | 1,162 |
| Net charge-offs to loans | 0.1031% | 3,506 |
| Credit loss provision to net charge-offs | 260.1351% | 959 |
| Earnings coverage of net charge-offs (x) | 21.3106% | 1,554 |
| Efficiency ratio | 71.2407% | 3,564 |
| Assets per employee ($millions) | 3.3373% | 5,212 |
| Cash dividends to net income (ytd only)* | 9.9296% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 2,905 |
| Loan loss allowance to noncurrent loans | 498.1481% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 5,470 |
| Noncurrent loans to loans | 0.3256% | 5,408 |
| Net loans and leases to total assets | 56.9537% | 4,178 |
| Net loans and leases to deposits | 64.9277% | 4,418 |
| Net loans and leases to core deposits | 72.5813% | 4,021 |
| Total domestic deposits to total assets | 87.7186% | 2,289 |
| Equity capital to assets | 9.8319% | 4,130 |
| Core capital (leverage) ratio | 9.1642% | 4,883 |
| Tier 1 risk-based capital ratio | 16.0650% | 3,160 |
| Total risk-based capital ratio | 17.3195% | 3,116 |
| Memoranda: | ||
| Average total assets | $345,139,000 | 1,883 |
| Average earning assets | $320,379,500 | 1,868 |
| Average equity | $33,376,500 | 2,085 |
| Average total loans | $191,342,000 | 2,085 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0749% | 3,831 |
| Cost of funding earning assets | 0.5902% | 3,032 |
| Net interest margin | 3.4847% | 3,842 |
| Noninterest income to average assets | 1.1915% | 1,070 |
| Noninterest expense to average assets | 3.2876% | 2,105 |
| Loan and lease loss provision to assets | 0.2228% | 1,696 |
| Net operating income to assets | 0.7836% | 3,382 |
| Return on assets (ROA) | 0.7836% | 3,547 |
| Pretax return on assets | 0.9201% | 3,836 |
| Return on Equity (ROE) | 8.1476% | 3,015 |
| Retained earnings to average equity (ytd only) | 6.8238% | 1,968 |
| Net charge-offs to loans | 0.1367% | 3,009 |
| Credit loss provision to net charge-offs | 298.4496% | 870 |
| Earnings coverage of net charge-offs (x) | 15.3101% | 1,751 |
| Efficiency ratio | 72.8318% | 3,331 |
| Assets per employee ($millions) | 3.3043% | 5,253 |
| Cash dividends to net income (ytd only)* | 16.2482% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 2,856 |
| Loan loss allowance to noncurrent loans | 543.8861% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 5,529 |
| Noncurrent loans to loans | 0.3088% | 5,528 |
| Net loans and leases to total assets | 54.2629% | 4,551 |
| Net loans and leases to deposits | 61.3437% | 4,818 |
| Net loans and leases to core deposits | 69.0966% | 4,378 |
| Total domestic deposits to total assets | 88.4572% | 1,944 |
| Equity capital to assets | 9.2499% | 4,922 |
| Core capital (leverage) ratio | 8.8868% | 5,165 |
| Tier 1 risk-based capital ratio | 15.8470% | 3,291 |
| Total risk-based capital ratio | 17.1047% | 3,233 |
| Memoranda: | ||
| Average total assets | $345,605,670 | 1,886 |
| Average earning assets | $321,234,670 | 1,866 |
| Average equity | $33,236,670 | 2,097 |
| Average total loans | $188,789,330 | 2,112 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0408% | 3,950 |
| Cost of funding earning assets | 0.5953% | 3,149 |
| Net interest margin | 3.4454% | 3,931 |
| Noninterest income to average assets | 1.2048% | 1,046 |
| Noninterest expense to average assets | 3.3337% | 1,999 |
| Loan and lease loss provision to assets | 0.2097% | 1,769 |
| Net operating income to assets | 0.7259% | 3,561 |
| Return on assets (ROA) | 0.7259% | 3,696 |
| Pretax return on assets | 0.8646% | 3,894 |
| Return on Equity (ROE) | 7.4043% | 3,266 |
| Retained earnings to average equity (ytd only) | 6.2158% | 2,557 |
| Net charge-offs to loans | 0.1008% | 2,847 |
| Credit loss provision to net charge-offs | 382.9787% | 658 |
| Earnings coverage of net charge-offs (x) | 19.6170% | 1,212 |
| Efficiency ratio | 73.9096% | 3,280 |
| Assets per employee ($millions) | 3.3861% | 5,242 |
| Cash dividends to net income (ytd only)* | 16.0514% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 3,084 |
| Loan loss allowance to noncurrent loans | 404.6632% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 5,477 |
| Noncurrent loans to loans | 0.4156% | 5,377 |
| Net loans and leases to total assets | 52.3637% | 4,648 |
| Net loans and leases to deposits | 59.7058% | 4,831 |
| Net loans and leases to core deposits | 66.3067% | 4,492 |
| Total domestic deposits to total assets | 87.7029% | 2,514 |
| Equity capital to assets | 9.6825% | 4,587 |
| Core capital (leverage) ratio | 8.7147% | 5,305 |
| Tier 1 risk-based capital ratio | 15.9478% | 3,302 |
| Total risk-based capital ratio | 17.1700% | 3,278 |
| Memoranda: | ||
| Average total assets | $343,282,500 | 1,923 |
| Average earning assets | $319,146,000 | 1,901 |
| Average equity | $33,656,000 | 2,096 |
| Average total loans | $186,532,000 | 2,154 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 4,072 |
| Cost of funding earning assets | 0.6939% | 3,541 |
| Net interest margin | 3.6405% | 3,917 |
| Noninterest income to average assets | 1.1420% | 1,197 |
| Noninterest expense to average assets | 3.2233% | 2,539 |
| Loan and lease loss provision to assets | 0.2179% | 2,956 |
| Net operating income to assets | 0.9226% | 2,691 |
| Return on assets (ROA) | 0.9226% | 2,935 |
| Pretax return on assets | 1.0856% | 3,213 |
| Return on Equity (ROE) | 9.5892% | 2,363 |
| Retained earnings to average equity (ytd only) | 8.5869% | 941 |
| Net charge-offs to loans | 0.2777% | 3,272 |
| Credit loss provision to net charge-offs | 150.5155% | 1,811 |
| Earnings coverage of net charge-offs (x) | 9.0021% | 2,320 |
| Efficiency ratio | 69.1136% | 3,954 |
| Assets per employee ($millions) | 3.1867% | 5,654 |
| Cash dividends to net income (ytd only)* | 10.4531% | 4,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 3,328 |
| Loan loss allowance to noncurrent loans | 456.6412% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 5,701 |
| Noncurrent loans to loans | 0.3497% | 5,611 |
| Net loans and leases to total assets | 54.5657% | 4,537 |
| Net loans and leases to deposits | 62.3897% | 4,738 |
| Net loans and leases to core deposits | 69.5097% | 4,374 |
| Total domestic deposits to total assets | 87.4595% | 2,550 |
| Equity capital to assets | 9.9297% | 4,269 |
| Core capital (leverage) ratio | 8.7559% | 5,251 |
| Tier 1 risk-based capital ratio | 15.8125% | 3,263 |
| Total risk-based capital ratio | 17.0543% | 3,224 |
| Memoranda: | ||
| Average total assets | $334,939,600 | 1,929 |
| Average earning assets | $311,410,000 | 1,898 |
| Average equity | $32,223,600 | 2,130 |
| Average total loans | $174,621,000 | 2,264 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 4,199 |
| Cost of funding earning assets | 0.7091% | 3,685 |
| Net interest margin | 3.6524% | 3,998 |
| Noninterest income to average assets | 1.1668% | 1,118 |
| Noninterest expense to average assets | 3.1579% | 2,691 |
| Loan and lease loss provision to assets | 0.2653% | 2,456 |
| Net operating income to assets | 0.9917% | 2,551 |
| Return on assets (ROA) | 0.9917% | 2,779 |
| Pretax return on assets | 1.1421% | 3,187 |
| Return on Equity (ROE) | 10.3925% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.6693% | 1,005 |
| Net charge-offs to loans | 0.2924% | 2,979 |
| Credit loss provision to net charge-offs | 176.8617% | 1,574 |
| Earnings coverage of net charge-offs (x) | 9.3830% | 2,326 |
| Efficiency ratio | 67.0744% | 4,234 |
| Assets per employee ($millions) | 3.2799% | 5,478 |
| Cash dividends to net income (ytd only)* | 6.9590% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 3,149 |
| Loan loss allowance to noncurrent loans | 398.2940% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 5,860 |
| Noncurrent loans to loans | 0.4271% | 5,593 |
| Net loans and leases to total assets | 52.4282% | 4,990 |
| Net loans and leases to deposits | 60.0815% | 5,198 |
| Net loans and leases to core deposits | 66.8005% | 4,867 |
| Total domestic deposits to total assets | 87.2618% | 2,520 |
| Equity capital to assets | 9.9532% | 4,565 |
| Core capital (leverage) ratio | 8.6613% | 5,536 |
| Tier 1 risk-based capital ratio | 16.2634% | 3,126 |
| Total risk-based capital ratio | 17.5218% | 3,087 |
| Memoranda: | ||
| Average total assets | $334,226,250 | 1,952 |
| Average earning assets | $310,986,750 | 1,919 |
| Average equity | $31,894,000 | 2,166 |
| Average total loans | $171,448,750 | 2,326 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3591% | 4,349 |
| Cost of funding earning assets | 0.7256% | 3,803 |
| Net interest margin | 3.6336% | 4,112 |
| Noninterest income to average assets | 1.1858% | 1,011 |
| Noninterest expense to average assets | 3.2402% | 2,463 |
| Loan and lease loss provision to assets | 0.2754% | 2,384 |
| Net operating income to assets | 0.9081% | 2,873 |
| Return on assets (ROA) | 0.9081% | 3,141 |
| Pretax return on assets | 1.0517% | 3,507 |
| Return on Equity (ROE) | 9.6544% | 2,510 |
| Retained earnings to average equity (ytd only) | 9.3362% | 1,163 |
| Net charge-offs to loans | 0.5274% | 2,008 |
| Credit loss provision to net charge-offs | 103.1390% | 2,643 |
| Earnings coverage of net charge-offs (x) | 4.9709% | 2,946 |
| Efficiency ratio | 68.8860% | 3,963 |
| Assets per employee ($millions) | 3.2732% | 5,506 |
| Cash dividends to net income (ytd only)* | 3.2960% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 3,691 |
| Loan loss allowance to noncurrent loans | 274.6269% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 5,719 |
| Noncurrent loans to loans | 0.5733% | 5,365 |
| Net loans and leases to total assets | 51.1816% | 5,197 |
| Net loans and leases to deposits | 58.3730% | 5,410 |
| Net loans and leases to core deposits | 65.0421% | 5,103 |
| Total domestic deposits to total assets | 87.6802% | 2,348 |
| Equity capital to assets | 9.5915% | 4,924 |
| Core capital (leverage) ratio | 8.4256% | 5,753 |
| Tier 1 risk-based capital ratio | 15.6611% | 3,355 |
| Total risk-based capital ratio | 16.9048% | 3,321 |
| Memoranda: | ||
| Average total assets | $334,120,000 | 1,949 |
| Average earning assets | $310,934,000 | 1,926 |
| Average equity | $31,426,000 | 2,177 |
| Average total loans | $169,121,330 | 2,356 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3207% | 4,654 |
| Cost of funding earning assets | 0.7490% | 3,867 |
| Net interest margin | 3.5717% | 4,387 |
| Noninterest income to average assets | 1.1641% | 1,052 |
| Noninterest expense to average assets | 3.1581% | 2,742 |
| Loan and lease loss provision to assets | 0.2165% | 2,773 |
| Net operating income to assets | 0.9657% | 2,613 |
| Return on assets (ROA) | 0.9657% | 2,812 |
| Pretax return on assets | 1.1100% | 3,286 |
| Return on Equity (ROE) | 10.3712% | 2,276 |
| Retained earnings to average equity (ytd only) | 10.3712% | 1,182 |
| Net charge-offs to loans | 0.4168% | 2,055 |
| Credit loss provision to net charge-offs | 104.0462% | 2,222 |
| Earnings coverage of net charge-offs (x) | 6.3757% | 2,220 |
| Efficiency ratio | 68.5170% | 4,067 |
| Assets per employee ($millions) | 3.2990% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6518% | 3,531 |
| Loan loss allowance to noncurrent loans | 188.1750% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 5,158 |
| Noncurrent loans to loans | 0.8778% | 4,916 |
| Net loans and leases to total assets | 48.7129% | 5,469 |
| Net loans and leases to deposits | 55.5740% | 5,652 |
| Net loans and leases to core deposits | 62.1728% | 5,303 |
| Total domestic deposits to total assets | 87.6542% | 2,550 |
| Equity capital to assets | 9.3250% | 5,059 |
| Core capital (leverage) ratio | 8.1869% | 6,043 |
| Tier 1 risk-based capital ratio | 15.8184% | 3,271 |
| Total risk-based capital ratio | 17.0659% | 3,240 |
| Memoranda: | ||
| Average total assets | $332,609,500 | 1,960 |
| Average earning assets | $309,211,500 | 1,934 |
| Average equity | $30,970,500 | 2,206 |
| Average total loans | $166,025,000 | 2,407 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7465% | 4,049 |
| Cost of funding earning assets | 0.9098% | 4,052 |
| Net interest margin | 3.8367% | 3,641 |
| Noninterest income to average assets | 1.2291% | 866 |
| Noninterest expense to average assets | 3.5011% | 1,977 |
| Loan and lease loss provision to assets | 0.2512% | 3,688 |
| Net operating income to assets | 0.9315% | 2,479 |
| Return on assets (ROA) | 0.9303% | 2,599 |
| Pretax return on assets | 1.0438% | 3,058 |
| Return on Equity (ROE) | 9.5786% | 2,216 |
| Retained earnings to average equity (ytd only) | 5.6982% | 2,177 |
| Net charge-offs to loans | 0.1368% | 5,045 |
| Credit loss provision to net charge-offs | 336.3229% | 690 |
| Earnings coverage of net charge-offs (x) | 17.3543% | 1,278 |
| Efficiency ratio | 71.1682% | 3,756 |
| Assets per employee ($millions) | 3.2547% | 5,606 |
| Cash dividends to net income (ytd only)* | 40.5113% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 3,332 |
| Loan loss allowance to noncurrent loans | 162.5814% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.6832% | 5,277 |
| Noncurrent loans to loans | 1.0213% | 4,666 |
| Net loans and leases to total assets | 49.4745% | 5,662 |
| Net loans and leases to deposits | 56.4047% | 5,848 |
| Net loans and leases to core deposits | 63.9563% | 5,466 |
| Total domestic deposits to total assets | 87.7134% | 2,327 |
| Equity capital to assets | 9.2974% | 5,153 |
| Core capital (leverage) ratio | 8.7026% | 5,245 |
| Tier 1 risk-based capital ratio | 15.4799% | 3,337 |
| Total risk-based capital ratio | 16.6907% | 3,320 |
| Memoranda: | ||
| Average total assets | $298,510,400 | 2,149 |
| Average earning assets | $277,635,200 | 2,116 |
| Average equity | $28,991,800 | 2,271 |
| Average total loans | $163,020,400 | 2,457 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8467% | 3,802 |
| Cost of funding earning assets | 0.9550% | 3,998 |
| Net interest margin | 3.8916% | 3,419 |
| Noninterest income to average assets | 1.2620% | 810 |
| Noninterest expense to average assets | 3.4483% | 2,077 |
| Loan and lease loss provision to assets | 0.2520% | 3,491 |
| Net operating income to assets | 1.0659% | 2,086 |
| Return on assets (ROA) | 1.0659% | 2,227 |
| Pretax return on assets | 1.1823% | 2,688 |
| Return on Equity (ROE) | 10.8439% | 1,917 |
| Retained earnings to average equity (ytd only) | 7.9068% | 1,539 |
| Net charge-offs to loans | 0.1634% | 4,478 |
| Credit loss provision to net charge-offs | 276.3819% | 1,038 |
| Earnings coverage of net charge-offs (x) | 15.7285% | 1,445 |
| Efficiency ratio | 68.7940% | 4,160 |
| Assets per employee ($millions) | 3.0606% | 5,990 |
| Cash dividends to net income (ytd only)* | 27.0851% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 3,648 |
| Loan loss allowance to noncurrent loans | 113.4157% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 4,800 |
| Noncurrent loans to loans | 1.4140% | 4,173 |
| Net loans and leases to total assets | 53.1150% | 5,302 |
| Net loans and leases to deposits | 61.5913% | 5,455 |
| Net loans and leases to core deposits | 69.5397% | 4,998 |
| Total domestic deposits to total assets | 86.2380% | 3,072 |
| Equity capital to assets | 10.3742% | 3,861 |
| Core capital (leverage) ratio | 8.9716% | 4,980 |
| Tier 1 risk-based capital ratio | 13.1777% | 4,965 |
| Total risk-based capital ratio | 14.4253% | 4,945 |
| Memoranda: | ||
| Average total assets | $290,956,750 | 2,203 |
| Average earning assets | $270,695,000 | 2,171 |
| Average equity | $28,599,000 | 2,298 |
| Average total loans | $162,430,250 | 2,476 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 3,873 |
| Cost of funding earning assets | 0.9711% | 4,162 |
| Net interest margin | 3.8770% | 3,405 |
| Noninterest income to average assets | 1.2845% | 764 |
| Noninterest expense to average assets | 3.5449% | 1,870 |
| Loan and lease loss provision to assets | 0.2768% | 3,161 |
| Net operating income to assets | 0.9516% | 2,430 |
| Return on assets (ROA) | 0.9516% | 2,523 |
| Pretax return on assets | 1.0686% | 2,972 |
| Return on Equity (ROE) | 9.8688% | 2,165 |
| Retained earnings to average equity (ytd only) | 6.6390% | 2,059 |
| Net charge-offs to loans | 0.2329% | 3,728 |
| Credit loss provision to net charge-offs | 210.5263% | 1,431 |
| Earnings coverage of net charge-offs (x) | 10.2316% | 1,837 |
| Efficiency ratio | 70.6199% | 4,007 |
| Assets per employee ($millions) | 3.1400% | 5,780 |
| Cash dividends to net income (ytd only)* | 32.7273% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 4,155 |
| Loan loss allowance to noncurrent loans | 127.0397% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 5,352 |
| Noncurrent loans to loans | 1.1770% | 4,685 |
| Net loans and leases to total assets | 53.6428% | 5,345 |
| Net loans and leases to deposits | 61.5880% | 5,550 |
| Net loans and leases to core deposits | 69.2659% | 5,155 |
| Total domestic deposits to total assets | 87.0994% | 2,687 |
| Equity capital to assets | 9.7813% | 4,411 |
| Core capital (leverage) ratio | 8.9433% | 4,818 |
| Tier 1 risk-based capital ratio | 16.2072% | 2,877 |
| Total risk-based capital ratio | 17.4604% | 2,843 |
| Memoranda: | ||
| Average total assets | $288,981,670 | 2,222 |
| Average earning assets | $268,761,330 | 2,191 |
| Average equity | $27,865,670 | 2,322 |
| Average total loans | $163,154,000 | 2,491 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8694% | 3,728 |
| Cost of funding earning assets | 0.9954% | 4,234 |
| Net interest margin | 3.8740% | 3,276 |
| Noninterest income to average assets | 1.2957% | 763 |
| Noninterest expense to average assets | 3.4285% | 2,200 |
| Loan and lease loss provision to assets | 0.2814% | 2,898 |
| Net operating income to assets | 1.0636% | 1,966 |
| Return on assets (ROA) | 1.0636% | 2,018 |
| Pretax return on assets | 1.1832% | 2,439 |
| Return on Equity (ROE) | 11.1138% | 1,704 |
| Retained earnings to average equity (ytd only) | 5.9685% | 2,660 |
| Net charge-offs to loans | 0.0783% | 4,159 |
| Credit loss provision to net charge-offs | 625.0000% | 598 |
| Earnings coverage of net charge-offs (x) | 32.5313% | 790 |
| Efficiency ratio | 68.1139% | 4,633 |
| Assets per employee ($millions) | 3.1007% | 5,950 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 4,334 |
| Loan loss allowance to noncurrent loans | 148.0769% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 5,623 |
| Noncurrent loans to loans | 0.9945% | 5,056 |
| Net loans and leases to total assets | 54.7942% | 5,192 |
| Net loans and leases to deposits | 62.9383% | 5,395 |
| Net loans and leases to core deposits | 71.4629% | 4,860 |
| Total domestic deposits to total assets | 87.0602% | 2,913 |
| Equity capital to assets | 9.4519% | 4,499 |
| Core capital (leverage) ratio | 8.8727% | 4,816 |
| Tier 1 risk-based capital ratio | 15.0083% | 3,421 |
| Total risk-based capital ratio | 16.2600% | 3,379 |
| Memoranda: | ||
| Average total assets | $284,321,000 | 2,271 |
| Average earning assets | $264,017,000 | 2,243 |
| Average equity | $27,209,500 | 2,356 |
| Average total loans | $163,507,500 | 2,513 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3954% | 2,693 |
| Cost of funding earning assets | 1.1797% | 4,680 |
| Net interest margin | 4.2157% | 2,122 |
| Noninterest income to average assets | 1.2577% | 936 |
| Noninterest expense to average assets | 3.8085% | 1,474 |
| Loan and lease loss provision to assets | 0.3048% | 4,365 |
| Net operating income to assets | 0.6130% | 3,615 |
| Return on assets (ROA) | 0.6321% | 3,681 |
| Pretax return on assets | 1.0767% | 2,675 |
| Return on Equity (ROE) | 6.3104% | 3,446 |
| Retained earnings to average equity (ytd only) | 4.4158% | 2,762 |
| Net charge-offs to loans | 0.3615% | 4,210 |
| Credit loss provision to net charge-offs | 141.0473% | 2,671 |
| Earnings coverage of net charge-offs (x) | 6.2551% | 2,403 |
| Efficiency ratio | 71.0709% | 3,982 |
| Assets per employee ($millions) | 2.7718% | 6,567 |
| Cash dividends to net income (ytd only)* | 30.0231% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 4,779 |
| Loan loss allowance to noncurrent loans | 135.6357% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.8363% | 5,327 |
| Noncurrent loans to loans | 0.9920% | 5,077 |
| Net loans and leases to total assets | 58.7000% | 4,917 |
| Net loans and leases to deposits | 67.8732% | 5,115 |
| Net loans and leases to core deposits | 79.4638% | 4,285 |
| Total domestic deposits to total assets | 86.4848% | 3,087 |
| Equity capital to assets | 9.6942% | 4,144 |
| Core capital (leverage) ratio | 8.9529% | 4,616 |
| Tier 1 risk-based capital ratio | 15.6277% | 2,938 |
| Total risk-based capital ratio | 16.8714% | 2,899 |
| Memoranda: | ||
| Average total assets | $273,993,000 | 2,329 |
| Average earning assets | $253,622,800 | 2,310 |
| Average equity | $27,446,800 | 2,345 |
| Average total loans | $163,777,800 | 2,566 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4734% | 2,544 |
| Cost of funding earning assets | 1.2156% | 4,767 |
| Net interest margin | 4.2579% | 2,004 |
| Noninterest income to average assets | 1.2508% | 878 |
| Noninterest expense to average assets | 3.6237% | 1,736 |
| Loan and lease loss provision to assets | 0.2977% | 4,196 |
| Net operating income to assets | 0.8232% | 2,908 |
| Return on assets (ROA) | 0.8492% | 2,945 |
| Pretax return on assets | 1.3099% | 2,141 |
| Return on Equity (ROE) | 8.4083% | 2,737 |
| Retained earnings to average equity (ytd only) | 6.6203% | 2,031 |
| Net charge-offs to loans | 0.4396% | 3,542 |
| Credit loss provision to net charge-offs | 113.1725% | 3,708 |
| Earnings coverage of net charge-offs (x) | 5.9592% | 2,626 |
| Efficiency ratio | 66.6823% | 4,718 |
| Assets per employee ($millions) | 2.8644% | 6,459 |
| Cash dividends to net income (ytd only)* | 21.2643% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 5,187 |
| Loan loss allowance to noncurrent loans | 137.5672% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.7791% | 5,548 |
| Noncurrent loans to loans | 0.9137% | 5,414 |
| Net loans and leases to total assets | 59.0956% | 5,085 |
| Net loans and leases to deposits | 68.7981% | 5,312 |
| Net loans and leases to core deposits | 76.8357% | 4,945 |
| Total domestic deposits to total assets | 85.8971% | 3,127 |
| Equity capital to assets | 10.4584% | 3,563 |
| Core capital (leverage) ratio | 9.0830% | 4,552 |
| Tier 1 risk-based capital ratio | 16.5865% | 2,521 |
| Total risk-based capital ratio | 17.8443% | 2,471 |
| Memoranda: | ||
| Average total assets | $273,197,000 | 2,367 |
| Average earning assets | $252,827,000 | 2,346 |
| Average equity | $27,591,000 | 2,369 |
| Average total loans | $163,491,750 | 2,608 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5053% | 2,492 |
| Cost of funding earning assets | 1.2482% | 4,843 |
| Net interest margin | 4.2571% | 1,932 |
| Noninterest income to average assets | 1.2495% | 832 |
| Noninterest expense to average assets | 3.5108% | 2,004 |
| Loan and lease loss provision to assets | 0.2632% | 4,294 |
| Net operating income to assets | 1.0162% | 2,135 |
| Return on assets (ROA) | 1.0162% | 2,207 |
| Pretax return on assets | 1.4176% | 1,787 |
| Return on Equity (ROE) | 10.1825% | 2,030 |
| Retained earnings to average equity (ytd only) | 8.5709% | 1,243 |
| Net charge-offs to loans | 0.0745% | 5,399 |
| Credit loss provision to net charge-offs | 590.1639% | 636 |
| Earnings coverage of net charge-offs (x) | 37.6885% | 765 |
| Efficiency ratio | 64.8219% | 5,182 |
| Assets per employee ($millions) | 2.7658% | 6,648 |
| Cash dividends to net income (ytd only)* | 15.8273% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 4,510 |
| Loan loss allowance to noncurrent loans | 129.8516% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.7286% | 5,672 |
| Noncurrent loans to loans | 1.0651% | 5,184 |
| Net loans and leases to total assets | 59.2425% | 5,208 |
| Net loans and leases to deposits | 68.6277% | 5,469 |
| Net loans and leases to core deposits | 76.4961% | 5,138 |
| Total domestic deposits to total assets | 86.3244% | 2,918 |
| Equity capital to assets | 10.0848% | 3,904 |
| Core capital (leverage) ratio | 8.8271% | 4,868 |
| Tier 1 risk-based capital ratio | 16.0077% | 2,667 |
| Total risk-based capital ratio | 17.2608% | 2,625 |
| Memoranda: | ||
| Average total assets | $273,557,670 | 2,384 |
| Average earning assets | $253,319,330 | 2,364 |
| Average equity | $27,301,670 | 2,390 |
| Average total loans | $163,704,000 | 2,641 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3999% | 3,035 |
| Cost of funding earning assets | 1.2958% | 4,842 |
| Net interest margin | 4.1040% | 2,417 |
| Noninterest income to average assets | 1.1996% | 844 |
| Noninterest expense to average assets | 3.1979% | 2,872 |
| Loan and lease loss provision to assets | 0.1755% | 4,763 |
| Net operating income to assets | 1.2230% | 1,481 |
| Return on assets (ROA) | 1.2230% | 1,556 |
| Pretax return on assets | 1.6253% | 1,205 |
| Return on Equity (ROE) | 12.3188% | 1,413 |
| Retained earnings to average equity (ytd only) | 10.5506% | 1,021 |
| Net charge-offs to loans | 0.0392% | 5,030 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 76.9375% | 401 |
| Efficiency ratio | 62.4232% | 5,748 |
| Assets per employee ($millions) | 2.9124% | 6,409 |
| Cash dividends to net income (ytd only)* | 14.3541% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 5,034 |
| Loan loss allowance to noncurrent loans | 108.1081% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 5,640 |
| Noncurrent loans to loans | 1.1867% | 4,990 |
| Net loans and leases to total assets | 57.2458% | 5,559 |
| Net loans and leases to deposits | 66.4647% | 5,771 |
| Net loans and leases to core deposits | 67.8694% | 6,114 |
| Total domestic deposits to total assets | 86.1296% | 3,082 |
| Equity capital to assets | 9.8666% | 4,036 |
| Core capital (leverage) ratio | 8.7691% | 4,901 |
| Tier 1 risk-based capital ratio | 15.4277% | 2,904 |
| Total risk-based capital ratio | 16.6785% | 2,850 |
| Memoranda: | ||
| Average total assets | $273,428,000 | 2,444 |
| Average earning assets | $253,116,500 | 2,413 |
| Average equity | $27,145,500 | 2,426 |
| Average total loans | $163,310,500 | 2,714 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0459% | 1,687 |
| Cost of funding earning assets | 1.6160% | 4,961 |
| Net interest margin | 4.4299% | 1,345 |
| Noninterest income to average assets | 1.2687% | 939 |
| Noninterest expense to average assets | 3.7088% | 1,894 |
| Loan and lease loss provision to assets | 0.1963% | 5,766 |
| Net operating income to assets | 0.9146% | 2,130 |
| Return on assets (ROA) | 0.9146% | 2,195 |
| Pretax return on assets | 1.4104% | 1,406 |
| Return on Equity (ROE) | 9.0387% | 2,013 |
| Retained earnings to average equity (ytd only) | 5.8622% | 1,404 |
| Net charge-offs to loans | 0.2192% | 5,249 |
| Credit loss provision to net charge-offs | 140.8840% | 3,446 |
| Earnings coverage of net charge-offs (x) | 11.5304% | 1,583 |
| Efficiency ratio | 67.9774% | 5,008 |
| Assets per employee ($millions) | 2.7840% | 6,681 |
| Cash dividends to net income (ytd only)* | 35.1431% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 5,351 |
| Loan loss allowance to noncurrent loans | 126.5045% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.6065% | 5,938 |
| Noncurrent loans to loans | 0.9496% | 5,410 |
| Net loans and leases to total assets | 60.8051% | 5,218 |
| Net loans and leases to deposits | 70.8376% | 5,492 |
| Net loans and leases to core deposits | 92.6675% | 4,815 |
| Total domestic deposits to total assets | 85.8374% | 3,089 |
| Equity capital to assets | 9.9919% | 3,775 |
| Core capital (leverage) ratio | 8.8871% | 4,612 |
| Tier 1 risk-based capital ratio | 13.4051% | 3,878 |
| Total risk-based capital ratio | 14.5421% | 3,894 |
| Memoranda: | ||
| Average total assets | $259,790,200 | 2,517 |
| Average earning assets | $237,318,400 | 2,532 |
| Average equity | $26,287,000 | 2,507 |
| Average total loans | $165,179,200 | 2,684 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0392% | 1,883 |
| Cost of funding earning assets | 1.6790% | 5,011 |
| Net interest margin | 4.3603% | 1,559 |
| Noninterest income to average assets | 1.2722% | 953 |
| Noninterest expense to average assets | 3.6222% | 1,980 |
| Loan and lease loss provision to assets | 0.1344% | 6,016 |
| Net operating income to assets | 1.2634% | 1,309 |
| Return on assets (ROA) | 1.2634% | 1,375 |
| Pretax return on assets | 1.4867% | 1,455 |
| Return on Equity (ROE) | 12.4457% | 1,255 |
| Retained earnings to average equity (ytd only) | 10.2305% | 593 |
| Net charge-offs to loans | 0.0250% | 6,534 |
| Credit loss provision to net charge-offs | 838.7097% | 454 |
| Earnings coverage of net charge-offs (x) | 101.1669% | 358 |
| Efficiency ratio | 67.2483% | 5,130 |
| Assets per employee ($millions) | 2.7172% | 6,812 |
| Cash dividends to net income (ytd only)* | 17.7988% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 4,979 |
| Loan loss allowance to noncurrent loans | 59.2625% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.3241% | 4,435 |
| Noncurrent loans to loans | 2.0667% | 3,541 |
| Net loans and leases to total assets | 62.9404% | 5,078 |
| Net loans and leases to deposits | 74.8135% | 5,246 |
| Net loans and leases to core deposits | 97.2779% | 4,681 |
| Total domestic deposits to total assets | 84.1297% | 3,661 |
| Equity capital to assets | 10.4421% | 3,576 |
| Core capital (leverage) ratio | 9.1336% | 4,439 |
| Tier 1 risk-based capital ratio | 13.4398% | 3,901 |
| Total risk-based capital ratio | 14.6066% | 3,900 |
| Memoranda: | ||
| Average total assets | $257,921,000 | 2,546 |
| Average earning assets | $234,902,000 | 2,567 |
| Average equity | $26,182,500 | 2,543 |
| Average total loans | $165,352,000 | 2,707 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1130% | 1,749 |
| Cost of funding earning assets | 1.7412% | 5,059 |
| Net interest margin | 4.3718% | 1,466 |
| Noninterest income to average assets | 1.2701% | 944 |
| Noninterest expense to average assets | 3.4870% | 2,376 |
| Loan and lease loss provision to assets | 0.0937% | 6,233 |
| Net operating income to assets | 1.4271% | 965 |
| Return on assets (ROA) | 1.4271% | 1,031 |
| Pretax return on assets | 1.6591% | 1,093 |
| Return on Equity (ROE) | 14.1980% | 959 |
| Retained earnings to average equity (ytd only) | 12.2164% | 412 |
| Net charge-offs to loans | 0.0158% | 6,308 |
| Credit loss provision to net charge-offs | 923.0769% | 524 |
| Earnings coverage of net charge-offs (x) | 172.6154% | 241 |
| Efficiency ratio | 64.6989% | 5,772 |
| Assets per employee ($millions) | 2.7706% | 6,699 |
| Cash dividends to net income (ytd only)* | 13.9573% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 5,216 |
| Loan loss allowance to noncurrent loans | 58.2831% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.2682% | 4,401 |
| Noncurrent loans to loans | 1.9866% | 3,545 |
| Net loans and leases to total assets | 62.7597% | 5,225 |
| Net loans and leases to deposits | 74.3535% | 5,403 |
| Net loans and leases to core deposits | 91.8726% | 5,364 |
| Total domestic deposits to total assets | 84.4072% | 3,555 |
| Equity capital to assets | 9.9406% | 4,032 |
| Core capital (leverage) ratio | 9.0443% | 4,561 |
| Tier 1 risk-based capital ratio | 13.1498% | 4,039 |
| Total risk-based capital ratio | 14.2473% | 4,068 |
| Memoranda: | ||
| Average total assets | $256,039,000 | 2,572 |
| Average earning assets | $232,487,670 | 2,598 |
| Average equity | $25,736,000 | 2,579 |
| Average total loans | $164,487,000 | 2,747 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1567% | 1,737 |
| Cost of funding earning assets | 1.8365% | 4,933 |
| Net interest margin | 4.3202% | 1,544 |
| Noninterest income to average assets | 1.2406% | 930 |
| Noninterest expense to average assets | 3.5127% | 2,066 |
| Loan and lease loss provision to assets | 0.0951% | 5,744 |
| Net operating income to assets | 1.3056% | 1,368 |
| Return on assets (ROA) | 1.3056% | 1,466 |
| Pretax return on assets | 1.5242% | 1,599 |
| Return on Equity (ROE) | 12.9143% | 1,415 |
| Retained earnings to average equity (ytd only) | 10.7202% | 1,031 |
| Net charge-offs to loans | -0.0147% | 7,367 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5329% | 5,225 |
| Assets per employee ($millions) | 2.7312% | 6,809 |
| Cash dividends to net income (ytd only)* | 16.9903% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 5,018 |
| Loan loss allowance to noncurrent loans | 61.1362% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.2401% | 4,204 |
| Noncurrent loans to loans | 1.9045% | 3,405 |
| Net loans and leases to total assets | 63.9829% | 4,990 |
| Net loans and leases to deposits | 72.2651% | 5,712 |
| Net loans and leases to core deposits | 91.5933% | 5,389 |
| Total domestic deposits to total assets | 88.5391% | 1,464 |
| Equity capital to assets | 10.3072% | 3,648 |
| Core capital (leverage) ratio | 8.9829% | 4,734 |
| Tier 1 risk-based capital ratio | 14.4525% | 3,334 |
| Total risk-based capital ratio | 15.6842% | 3,268 |
| Memoranda: | ||
| Average total assets | $252,456,500 | 2,618 |
| Average earning assets | $227,395,000 | 2,672 |
| Average equity | $25,522,000 | 2,607 |
| Average total loans | $163,170,000 | 2,798 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8837% | 1,449 |
| Cost of funding earning assets | 2.5075% | 4,167 |
| Net interest margin | 4.3763% | 1,759 |
| Noninterest income to average assets | 1.4558% | 670 |
| Noninterest expense to average assets | 4.1084% | 1,262 |
| Loan and lease loss provision to assets | 0.1120% | 5,935 |
| Net operating income to assets | 1.0053% | 2,535 |
| Return on assets (ROA) | 1.0064% | 2,415 |
| Pretax return on assets | 1.1745% | 2,744 |
| Return on Equity (ROE) | 10.6026% | 2,048 |
| Retained earnings to average equity (ytd only) | 6.5177% | 1,330 |
| Net charge-offs to loans | 0.0279% | 6,433 |
| Credit loss provision to net charge-offs | 604.6512% | 709 |
| Earnings coverage of net charge-offs (x) | 69.3721% | 590 |
| Efficiency ratio | 74.3350% | 3,517 |
| Assets per employee ($millions) | 2.6983% | 6,787 |
| Cash dividends to net income (ytd only)* | 38.5274% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 5,154 |
| Loan loss allowance to noncurrent loans | 71.4621% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0085% | 4,304 |
| Noncurrent loans to loans | 1.5629% | 3,444 |
| Net loans and leases to total assets | 63.8095% | 5,310 |
| Net loans and leases to deposits | 75.5348% | 5,646 |
| Net loans and leases to core deposits | 94.4138% | 5,414 |
| Total domestic deposits to total assets | 84.4769% | 3,088 |
| Equity capital to assets | 9.9136% | 4,142 |
| Core capital (leverage) ratio | 8.8802% | 4,925 |
| Tier 1 risk-based capital ratio | 14.2634% | 3,417 |
| Total risk-based capital ratio | 15.4780% | 3,353 |
| Memoranda: | ||
| Average total assets | $232,108,400 | 2,739 |
| Average earning assets | $208,854,400 | 2,787 |
| Average equity | $22,032,400 | 2,971 |
| Average total loans | $153,998,400 | 2,858 |