Home > Liberty National Bank > Performance and Condition Ratios
Liberty National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3151% | 1,469 |
| Cost of funding earning assets | 1.4598% | 2,049 |
| Net interest margin | 3.8553% | 1,465 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.2129% | 3,085 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.1713% | 1,719 |
| Return on assets (ROA) | 1.1713% | 1,689 |
| Pretax return on assets | 1.5135% | 1,385 |
| Return on Equity (ROE) | 6.9500% | 3,295 |
| Retained earnings to average equity (ytd only) | 5.8915% | 2,287 |
| Net charge-offs to loans | 0.0715% | 1,139 |
| Credit loss provision to net charge-offs | 37.4545% | 2,254 |
| Earnings coverage of net charge-offs (x) | 31.1455% | 1,612 |
| Efficiency ratio | 54.2132% | 3,665 |
| Assets per employee ($millions) | 9.9425% | 716 |
| Cash dividends to net income (ytd only)* | 15.2742% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 3,060 |
| Loan loss allowance to noncurrent loans | 2,175.8974% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 3,436 |
| Noncurrent loans to loans | 0.0483% | 3,382 |
| Net loans and leases to total assets | 65.8200% | 2,273 |
| Net loans and leases to deposits | 84.1606% | 1,765 |
| Net loans and leases to core deposits | 90.1597% | 2,040 |
| Total domestic deposits to total assets | 78.2100% | 3,702 |
| Equity capital to assets | 15.8948% | 469 |
| Core capital (leverage) ratio | 8.7925% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9203% | 2,610 |
| Memoranda: | ||
| Average total assets | $558,952,600 | 1,587 |
| Average earning assets | $466,969,400 | 1,717 |
| Average equity | $94,152,200 | 992 |
| Average total loans | $384,800,600 | 1,514 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2610% | 1,340 |
| Cost of funding earning assets | 1.3235% | 2,082 |
| Net interest margin | 3.9374% | 1,327 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.2059% | 3,060 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2434% | 1,667 |
| Return on assets (ROA) | 1.2434% | 1,659 |
| Pretax return on assets | 1.6078% | 1,340 |
| Return on Equity (ROE) | 7.2700% | 3,359 |
| Retained earnings to average equity (ytd only) | 7.2684% | 2,210 |
| Net charge-offs to loans | 0.0965% | 808 |
| Credit loss provision to net charge-offs | -0.7273% | 4,457 |
| Earnings coverage of net charge-offs (x) | 23.9891% | 1,719 |
| Efficiency ratio | 52.9525% | 3,682 |
| Assets per employee ($millions) | 9.6504% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 2,985 |
| Loan loss allowance to noncurrent loans | 2,122.0513% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 3,446 |
| Noncurrent loans to loans | 0.0508% | 3,392 |
| Net loans and leases to total assets | 69.1000% | 1,935 |
| Net loans and leases to deposits | 90.9170% | 1,153 |
| Net loans and leases to core deposits | 98.0264% | 1,443 |
| Total domestic deposits to total assets | 76.0000% | 4,010 |
| Equity capital to assets | 16.9967% | 395 |
| Core capital (leverage) ratio | 9.1482% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3180% | 2,506 |
| Memoranda: | ||
| Average total assets | $547,067,250 | 1,622 |
| Average earning assets | $455,038,750 | 1,747 |
| Average equity | $93,590,000 | 993 |
| Average total loans | $380,134,750 | 1,523 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1673% | 1,265 |
| Cost of funding earning assets | 1.0935% | 2,292 |
| Net interest margin | 4.0737% | 1,123 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.1507% | 3,215 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3599% | 1,421 |
| Return on assets (ROA) | 1.3599% | 1,406 |
| Pretax return on assets | 1.7621% | 1,090 |
| Return on Equity (ROE) | 7.9300% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.9319% | 1,983 |
| Net charge-offs to loans | 0.0903% | 724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 28.1345% | 1,585 |
| Efficiency ratio | 50.1919% | 3,911 |
| Assets per employee ($millions) | 9.2471% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 2,870 |
| Loan loss allowance to noncurrent loans | 2,175.8974% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,422 |
| Noncurrent loans to loans | 0.0513% | 3,336 |
| Net loans and leases to total assets | 70.0600% | 1,737 |
| Net loans and leases to deposits | 94.3585% | 828 |
| Net loans and leases to core deposits | 100.7794% | 1,191 |
| Total domestic deposits to total assets | 74.2500% | 4,179 |
| Equity capital to assets | 17.5472% | 362 |
| Core capital (leverage) ratio | 9.0597% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9327% | 2,647 |
| Memoranda: | ||
| Average total assets | $546,065,333 | 1,618 |
| Average earning assets | $453,392,333 | 1,747 |
| Average equity | $93,622,000 | 986 |
| Average total loans | $378,776,000 | 1,512 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0271% | 1,178 |
| Cost of funding earning assets | 0.8345% | 2,582 |
| Net interest margin | 4.1926% | 957 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.0729% | 3,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4986% | 1,188 |
| Return on assets (ROA) | 1.4986% | 1,169 |
| Pretax return on assets | 1.9472% | 847 |
| Return on Equity (ROE) | 8.8400% | 3,094 |
| Retained earnings to average equity (ytd only) | 8.8415% | 1,995 |
| Net charge-offs to loans | 0.1798% | 403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 15.7765% | 1,533 |
| Efficiency ratio | 46.9568% | 4,165 |
| Assets per employee ($millions) | 9.4403% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 2,976 |
| Loan loss allowance to noncurrent loans | 2,176.4103% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 3,428 |
| Noncurrent loans to loans | 0.0513% | 3,374 |
| Net loans and leases to total assets | 68.7100% | 1,767 |
| Net loans and leases to deposits | 87.8760% | 1,220 |
| Net loans and leases to core deposits | 91.8601% | 1,506 |
| Total domestic deposits to total assets | 78.1900% | 3,987 |
| Equity capital to assets | 17.0113% | 341 |
| Core capital (leverage) ratio | 8.5833% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5508% | 2,839 |
| Memoranda: | ||
| Average total assets | $550,932,000 | 1,621 |
| Average earning assets | $456,327,000 | 1,755 |
| Average equity | $93,377,500 | 1,004 |
| Average total loans | $378,161,500 | 1,531 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9215% | 4,618 |
| Cost of funding earning assets | 0.1754% | 3,950 |
| Net interest margin | 1.7461% | 4,604 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 0.6879% | 4,677 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8511% | 3,145 |
| Return on assets (ROA) | 0.8511% | 3,080 |
| Pretax return on assets | 1.0495% | 2,917 |
| Return on Equity (ROE) | 6.4400% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.4430% | 2,473 |
| Net charge-offs to loans | 0.0063% | 2,181 |
| Credit loss provision to net charge-offs | 564.0000% | 632 |
| Earnings coverage of net charge-offs (x) | 229.9200% | 583 |
| Efficiency ratio | 35.3921% | 4,610 |
| Assets per employee ($millions) | 9.0873% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0372% | 4,603 |
| Loan loss allowance to noncurrent loans | 32.9412% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,025 |
| Noncurrent loans to loans | 0.1131% | 2,964 |
| Net loans and leases to total assets | 67.7800% | 1,852 |
| Net loans and leases to deposits | 82.4312% | 1,588 |
| Net loans and leases to core deposits | 85.7527% | 1,771 |
| Total domestic deposits to total assets | 82.2300% | 3,581 |
| Equity capital to assets | 16.8875% | 339 |
| Core capital (leverage) ratio | 8.7102% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7304% | 3,005 |
| Memoranda: | ||
| Average total assets | $534,237,600 | 1,649 |
| Average earning assets | $469,734,600 | 1,699 |
| Average equity | $70,572,600 | 1,241 |
| Average total loans | $395,153,000 | 1,410 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6222% | 4,730 |
| Cost of funding earning assets | 0.0428% | 4,604 |
| Net interest margin | 0.5794% | 4,729 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 0.1824% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3434% | 4,328 |
| Return on assets (ROA) | 0.3434% | 4,281 |
| Pretax return on assets | 0.4333% | 4,232 |
| Return on Equity (ROE) | 2.8000% | 4,324 |
| Retained earnings to average equity (ytd only) | 2.8039% | 3,833 |
| Net charge-offs to loans | 0.0077% | 1,852 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 74.7826% | 1,079 |
| Efficiency ratio | 29.6236% | 4,692 |
| Assets per employee ($millions) | 8.4981% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 70.6300% | 1,429 |
| Net loans and leases to deposits | 86.8941% | 1,117 |
| Net loans and leases to core deposits | 90.6415% | 1,261 |
| Total domestic deposits to total assets | 81.2800% | 3,934 |
| Equity capital to assets | 16.3712% | 352 |
| Core capital (leverage) ratio | 9.0434% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7628% | 3,075 |
| Memoranda: | ||
| Average total assets | $529,215,000 | 1,678 |
| Average earning assets | $473,602,250 | 1,696 |
| Average equity | $64,812,750 | 1,336 |
| Average total loans | $399,969,500 | 1,385 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 1,526 |
| Cost of funding earning assets | 0.1909% | 3,036 |
| Net interest margin | 3.5128% | 1,286 |
| Noninterest income to average assets | 0.7163% | 1,270 |
| Noninterest expense to average assets | 2.2425% | 2,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2889% | 1,168 |
| Return on assets (ROA) | 1.2889% | 1,153 |
| Pretax return on assets | 1.6822% | 787 |
| Return on Equity (ROE) | 11.9110% | 1,691 |
| Retained earnings to average equity (ytd only) | -1.1668% | 4,309 |
| Net charge-offs to loans | 0.0114% | 1,563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 191.7391% | 552 |
| Efficiency ratio | 57.1387% | 3,667 |
| Assets per employee ($millions) | 7.8271% | 1,397 |
| Cash dividends to net income (ytd only)* | 109.7958% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 2,065 |
| Loan loss allowance to noncurrent loans | 2,411.4537% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 3,560 |
| Noncurrent loans to loans | 0.0550% | 3,539 |
| Net loans and leases to total assets | 76.5146% | 682 |
| Net loans and leases to deposits | 90.1839% | 709 |
| Net loans and leases to core deposits | 94.5053% | 893 |
| Total domestic deposits to total assets | 84.8429% | 3,519 |
| Equity capital to assets | 10.0356% | 1,697 |
| Core capital (leverage) ratio | 9.1720% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3555% | 2,716 |
| Memoranda: | ||
| Average total assets | $524,327,667 | 1,688 |
| Average earning assets | $478,883,000 | 1,701 |
| Average equity | $56,737,333 | 1,508 |
| Average total loans | $405,247,000 | 1,358 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 1,413 |
| Cost of funding earning assets | 0.1751% | 3,158 |
| Net interest margin | 3.4594% | 1,159 |
| Noninterest income to average assets | 0.7103% | 1,283 |
| Noninterest expense to average assets | 2.3168% | 2,436 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1930% | 1,262 |
| Return on assets (ROA) | 1.1930% | 1,257 |
| Pretax return on assets | 1.5527% | 916 |
| Return on Equity (ROE) | 10.6303% | 1,751 |
| Retained earnings to average equity (ytd only) | 10.3769% | 936 |
| Net charge-offs to loans | 0.0149% | 1,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 134.6667% | 573 |
| Efficiency ratio | 59.8729% | 3,492 |
| Assets per employee ($millions) | 7.7101% | 1,540 |
| Cash dividends to net income (ytd only)* | 2.3840% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 2,133 |
| Loan loss allowance to noncurrent loans | 14,056.4103% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 4,008 |
| Noncurrent loans to loans | 0.0096% | 3,949 |
| Net loans and leases to total assets | 76.6597% | 464 |
| Net loans and leases to deposits | 89.0628% | 557 |
| Net loans and leases to core deposits | 93.6820% | 745 |
| Total domestic deposits to total assets | 86.0737% | 3,234 |
| Equity capital to assets | 10.9518% | 1,348 |
| Core capital (leverage) ratio | 9.8131% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9285% | 2,634 |
| Memoranda: | ||
| Average total assets | $520,368,500 | 1,707 |
| Average earning assets | $475,226,000 | 1,715 |
| Average equity | $58,399,000 | 1,516 |
| Average total loans | $401,510,500 | 1,365 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8861% | 1,651 |
| Cost of funding earning assets | 0.2495% | 2,941 |
| Net interest margin | 3.6366% | 1,373 |
| Noninterest income to average assets | 0.8645% | 1,293 |
| Noninterest expense to average assets | 2.2996% | 2,796 |
| Loan and lease loss provision to assets | 0.0036% | 3,008 |
| Net operating income to assets | 1.4326% | 1,176 |
| Return on assets (ROA) | 1.4642% | 1,158 |
| Pretax return on assets | 1.9165% | 702 |
| Return on Equity (ROE) | 12.6636% | 1,583 |
| Retained earnings to average equity (ytd only) | 6.0290% | 2,349 |
| Net charge-offs to loans | 0.0083% | 2,271 |
| Credit loss provision to net charge-offs | 58.0645% | 2,080 |
| Earnings coverage of net charge-offs (x) | 303.1935% | 407 |
| Efficiency ratio | 55.0179% | 3,818 |
| Assets per employee ($millions) | 7.4847% | 1,627 |
| Cash dividends to net income (ytd only)* | 52.3907% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 1,954 |
| Loan loss allowance to noncurrent loans | 13,742.5000% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 4,082 |
| Noncurrent loans to loans | 0.0101% | 4,024 |
| Net loans and leases to total assets | 75.5398% | 546 |
| Net loans and leases to deposits | 85.8978% | 784 |
| Net loans and leases to core deposits | 90.6934% | 943 |
| Total domestic deposits to total assets | 87.9415% | 2,076 |
| Equity capital to assets | 11.4976% | 1,513 |
| Core capital (leverage) ratio | 9.8913% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1782% | 2,569 |
| Memoranda: | ||
| Average total assets | $499,916,800 | 1,698 |
| Average earning assets | $455,727,000 | 1,726 |
| Average equity | $57,803,600 | 1,568 |
| Average total loans | $372,869,200 | 1,448 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 1,531 |
| Cost of funding earning assets | 0.2719% | 2,876 |
| Net interest margin | 3.7290% | 1,279 |
| Noninterest income to average assets | 0.8084% | 1,493 |
| Noninterest expense to average assets | 2.3020% | 2,751 |
| Loan and lease loss provision to assets | 0.0048% | 2,880 |
| Net operating income to assets | 1.4517% | 1,391 |
| Return on assets (ROA) | 1.4942% | 1,332 |
| Pretax return on assets | 1.9556% | 854 |
| Return on Equity (ROE) | 12.9034% | 1,723 |
| Retained earnings to average equity (ytd only) | 4.2802% | 3,484 |
| Net charge-offs to loans | 0.0113% | 1,911 |
| Credit loss provision to net charge-offs | 58.0645% | 1,818 |
| Earnings coverage of net charge-offs (x) | 228.7097% | 516 |
| Efficiency ratio | 54.6965% | 3,703 |
| Assets per employee ($millions) | 6.9561% | 1,901 |
| Cash dividends to net income (ytd only)* | 66.8287% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 1,670 |
| Loan loss allowance to noncurrent loans | 13,407.3171% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 4,189 |
| Noncurrent loans to loans | 0.0111% | 4,126 |
| Net loans and leases to total assets | 75.6843% | 569 |
| Net loans and leases to deposits | 86.6018% | 793 |
| Net loans and leases to core deposits | 92.2058% | 922 |
| Total domestic deposits to total assets | 87.3935% | 2,163 |
| Equity capital to assets | 12.0725% | 1,368 |
| Core capital (leverage) ratio | 9.8494% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4604% | 2,561 |
| Memoranda: | ||
| Average total assets | $495,784,250 | 1,724 |
| Average earning assets | $452,085,750 | 1,753 |
| Average equity | $57,409,750 | 1,593 |
| Average total loans | $367,181,500 | 1,498 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1711% | 1,231 |
| Cost of funding earning assets | 0.2991% | 2,784 |
| Net interest margin | 3.8720% | 1,025 |
| Noninterest income to average assets | 0.7041% | 1,792 |
| Noninterest expense to average assets | 2.2221% | 3,010 |
| Loan and lease loss provision to assets | 0.0072% | 2,768 |
| Net operating income to assets | 1.5388% | 1,195 |
| Return on assets (ROA) | 1.5795% | 1,153 |
| Pretax return on assets | 2.0656% | 732 |
| Return on Equity (ROE) | 13.8281% | 1,464 |
| Retained earnings to average equity (ytd only) | 0.9855% | 4,344 |
| Net charge-offs to loans | 0.0169% | 1,612 |
| Credit loss provision to net charge-offs | 58.0645% | 1,568 |
| Earnings coverage of net charge-offs (x) | 163.3548% | 561 |
| Efficiency ratio | 52.3657% | 4,005 |
| Assets per employee ($millions) | 6.8380% | 1,917 |
| Cash dividends to net income (ytd only)* | 92.8734% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 1,380 |
| Loan loss allowance to noncurrent loans | 12,783.7209% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,257 |
| Noncurrent loans to loans | 0.0122% | 4,179 |
| Net loans and leases to total assets | 70.2706% | 1,162 |
| Net loans and leases to deposits | 79.7718% | 1,448 |
| Net loans and leases to core deposits | 86.5957% | 1,374 |
| Total domestic deposits to total assets | 88.0896% | 1,774 |
| Equity capital to assets | 11.4816% | 1,643 |
| Core capital (leverage) ratio | 9.0128% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0214% | 2,360 |
| Memoranda: | ||
| Average total assets | $501,054,333 | 1,712 |
| Average earning assets | $458,009,333 | 1,730 |
| Average equity | $57,231,333 | 1,592 |
| Average total loans | $366,654,667 | 1,498 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5965% | 668 |
| Cost of funding earning assets | 0.3276% | 2,730 |
| Net interest margin | 4.2688% | 544 |
| Noninterest income to average assets | 0.7186% | 1,811 |
| Noninterest expense to average assets | 2.2508% | 2,941 |
| Loan and lease loss provision to assets | 0.0142% | 2,601 |
| Net operating income to assets | 1.8045% | 783 |
| Return on assets (ROA) | 1.8852% | 733 |
| Pretax return on assets | 2.4740% | 454 |
| Return on Equity (ROE) | 16.5466% | 921 |
| Retained earnings to average equity (ytd only) | 16.2895% | 486 |
| Net charge-offs to loans | 0.0331% | 1,149 |
| Credit loss provision to net charge-offs | 58.0645% | 1,283 |
| Earnings coverage of net charge-offs (x) | 97.2581% | 625 |
| Efficiency ratio | 48.5407% | 4,302 |
| Assets per employee ($millions) | 7.1748% | 1,666 |
| Cash dividends to net income (ytd only)* | 1.5533% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 1,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 69.7131% | 1,330 |
| Net loans and leases to deposits | 79.1699% | 1,600 |
| Net loans and leases to core deposits | 86.6130% | 1,483 |
| Total domestic deposits to total assets | 88.0550% | 1,824 |
| Equity capital to assets | 11.3300% | 1,639 |
| Core capital (leverage) ratio | 9.7083% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6869% | 2,010 |
| Memoranda: | ||
| Average total assets | $505,414,000 | 1,676 |
| Average earning assets | $463,921,500 | 1,704 |
| Average equity | $57,583,000 | 1,570 |
| Average total loans | $374,250,000 | 1,477 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 742 |
| Cost of funding earning assets | 0.5981% | 2,328 |
| Net interest margin | 4.1983% | 638 |
| Noninterest income to average assets | 0.6387% | 2,070 |
| Noninterest expense to average assets | 2.2273% | 3,604 |
| Loan and lease loss provision to assets | 0.2978% | 1,265 |
| Net operating income to assets | 1.4824% | 852 |
| Return on assets (ROA) | 1.5037% | 877 |
| Pretax return on assets | 1.9643% | 490 |
| Return on Equity (ROE) | 13.1105% | 1,015 |
| Retained earnings to average equity (ytd only) | 6.7335% | 1,495 |
| Net charge-offs to loans | 0.0059% | 3,133 |
| Credit loss provision to net charge-offs | 6,454.5455% | 170 |
| Earnings coverage of net charge-offs (x) | 484.5455% | 244 |
| Efficiency ratio | 49.9107% | 4,537 |
| Assets per employee ($millions) | 7.0606% | 1,540 |
| Cash dividends to net income (ytd only)* | 48.6404% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 1,817 |
| Loan loss allowance to noncurrent loans | 4,669.4915% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 4,268 |
| Noncurrent loans to loans | 0.0308% | 4,191 |
| Net loans and leases to total assets | 76.3523% | 749 |
| Net loans and leases to deposits | 87.8177% | 1,111 |
| Net loans and leases to core deposits | 96.5661% | 1,091 |
| Total domestic deposits to total assets | 86.9440% | 1,966 |
| Equity capital to assets | 11.4594% | 1,915 |
| Core capital (leverage) ratio | 9.5620% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3185% | 2,512 |
| Memoranda: | ||
| Average total assets | $476,905,800 | 1,622 |
| Average earning assets | $434,367,800 | 1,644 |
| Average equity | $54,696,600 | 1,567 |
| Average total loans | $370,719,600 | 1,449 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9581% | 652 |
| Cost of funding earning assets | 0.6763% | 2,163 |
| Net interest margin | 4.2818% | 612 |
| Noninterest income to average assets | 0.6816% | 1,852 |
| Noninterest expense to average assets | 2.2213% | 3,635 |
| Loan and lease loss provision to assets | 0.2076% | 1,935 |
| Net operating income to assets | 1.6502% | 645 |
| Return on assets (ROA) | 1.6787% | 674 |
| Pretax return on assets | 2.1973% | 341 |
| Return on Equity (ROE) | 14.6337% | 757 |
| Retained earnings to average equity (ytd only) | 8.6425% | 1,096 |
| Net charge-offs to loans | -0.0033% | 3,964 |
| Credit loss provision to net charge-offs | -8,177.7778% | 4,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3926% | 4,586 |
| Assets per employee ($millions) | 6.9734% | 1,522 |
| Cash dividends to net income (ytd only)* | 40.9412% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,602 |
| Loan loss allowance to noncurrent loans | 2,639.6739% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 4,267 |
| Noncurrent loans to loans | 0.0459% | 4,198 |
| Net loans and leases to total assets | 79.9959% | 618 |
| Net loans and leases to deposits | 101.4381% | 474 |
| Net loans and leases to core deposits | 109.9230% | 706 |
| Total domestic deposits to total assets | 78.8618% | 4,073 |
| Equity capital to assets | 11.3923% | 2,089 |
| Core capital (leverage) ratio | 9.2369% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1675% | 2,552 |
| Memoranda: | ||
| Average total assets | $472,571,750 | 1,610 |
| Average earning assets | $431,364,250 | 1,635 |
| Average equity | $54,211,500 | 1,565 |
| Average total loans | $367,680,750 | 1,450 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3733% | 424 |
| Cost of funding earning assets | 0.7803% | 1,931 |
| Net interest margin | 4.5930% | 419 |
| Noninterest income to average assets | 0.6128% | 2,084 |
| Noninterest expense to average assets | 2.2543% | 3,644 |
| Loan and lease loss provision to assets | 0.2374% | 1,778 |
| Net operating income to assets | 1.7494% | 558 |
| Return on assets (ROA) | 1.7800% | 573 |
| Pretax return on assets | 2.3313% | 288 |
| Return on Equity (ROE) | 15.4786% | 639 |
| Retained earnings to average equity (ytd only) | 6.7501% | 1,760 |
| Net charge-offs to loans | -0.0050% | 4,017 |
| Credit loss provision to net charge-offs | -6,133.3333% | 4,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1191% | 4,674 |
| Assets per employee ($millions) | 6.7927% | 1,565 |
| Cash dividends to net income (ytd only)* | 56.3904% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 2,703 |
| Loan loss allowance to noncurrent loans | 5,310.2273% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 4,469 |
| Noncurrent loans to loans | 0.0219% | 4,398 |
| Net loans and leases to total assets | 77.8204% | 868 |
| Net loans and leases to deposits | 95.1599% | 860 |
| Net loans and leases to core deposits | 104.4559% | 975 |
| Total domestic deposits to total assets | 81.7786% | 3,428 |
| Equity capital to assets | 10.7304% | 2,545 |
| Core capital (leverage) ratio | 9.0663% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8364% | 2,677 |
| Memoranda: | ||
| Average total assets | $465,058,000 | 1,609 |
| Average earning assets | $422,385,000 | 1,640 |
| Average equity | $53,480,333 | 1,571 |
| Average total loans | $356,598,667 | 1,468 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7720% | 1,498 |
| Cost of funding earning assets | 0.9173% | 1,780 |
| Net interest margin | 3.8546% | 1,809 |
| Noninterest income to average assets | 0.5799% | 2,130 |
| Noninterest expense to average assets | 2.4134% | 3,511 |
| Loan and lease loss provision to assets | 0.2141% | 1,435 |
| Net operating income to assets | 1.1251% | 1,767 |
| Return on assets (ROA) | 1.1308% | 1,853 |
| Pretax return on assets | 1.4551% | 1,426 |
| Return on Equity (ROE) | 9.4692% | 1,924 |
| Retained earnings to average equity (ytd only) | 8.8944% | 1,002 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2199% | 3,838 |
| Assets per employee ($millions) | 6.3061% | 1,456 |
| Cash dividends to net income (ytd only)* | 6.0703% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 2,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.8231% | 1,164 |
| Net loans and leases to deposits | 94.4844% | 1,038 |
| Net loans and leases to core deposits | 111.2292% | 789 |
| Total domestic deposits to total assets | 81.3077% | 3,596 |
| Equity capital to assets | 12.0165% | 2,054 |
| Core capital (leverage) ratio | 10.1056% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8689% | 2,764 |
| Memoranda: | ||
| Average total assets | $442,862,000 | 1,638 |
| Average earning assets | $401,594,000 | 1,665 |
| Average equity | $52,887,500 | 1,578 |
| Average total loans | $334,333,500 | 1,506 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0755% | 1,271 |
| Cost of funding earning assets | 1.0877% | 1,373 |
| Net interest margin | 3.9878% | 1,890 |
| Noninterest income to average assets | 0.6162% | 2,161 |
| Noninterest expense to average assets | 2.4459% | 3,584 |
| Loan and lease loss provision to assets | 0.1767% | 1,179 |
| Net operating income to assets | 1.2453% | 1,886 |
| Return on assets (ROA) | 1.2661% | 1,903 |
| Pretax return on assets | 1.6440% | 1,351 |
| Return on Equity (ROE) | 10.5955% | 2,047 |
| Retained earnings to average equity (ytd only) | 4.2799% | 2,819 |
| Net charge-offs to loans | 0.2326% | 878 |
| Credit loss provision to net charge-offs | 98.8173% | 2,520 |
| Earnings coverage of net charge-offs (x) | 10.0329% | 2,604 |
| Efficiency ratio | 57.6821% | 4,015 |
| Assets per employee ($millions) | 5.9188% | 1,688 |
| Cash dividends to net income (ytd only)* | 59.6065% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 2,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.2032% | 2,061 |
| Net loans and leases to deposits | 82.4590% | 2,501 |
| Net loans and leases to core deposits | 96.5872% | 1,849 |
| Total domestic deposits to total assets | 87.5625% | 1,335 |
| Equity capital to assets | 11.8663% | 2,229 |
| Core capital (leverage) ratio | 9.8394% | 3,688 |
| Tier 1 risk-based capital ratio | 12.2709% | 4,204 |
| Total risk-based capital ratio | 13.4779% | 4,101 |
| Memoranda: | ||
| Average total assets | $425,482,800 | 1,648 |
| Average earning assets | $386,679,200 | 1,681 |
| Average equity | $50,842,200 | 1,569 |
| Average total loans | $327,186,200 | 1,509 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1307% | 1,212 |
| Cost of funding earning assets | 1.0996% | 1,361 |
| Net interest margin | 4.0311% | 1,833 |
| Noninterest income to average assets | 0.5250% | 2,580 |
| Noninterest expense to average assets | 2.4592% | 3,540 |
| Loan and lease loss provision to assets | 0.3305% | 418 |
| Net operating income to assets | 1.0894% | 2,612 |
| Return on assets (ROA) | 1.0847% | 2,724 |
| Pretax return on assets | 1.4013% | 2,311 |
| Return on Equity (ROE) | 9.0610% | 2,864 |
| Retained earnings to average equity (ytd only) | 6.1049% | 2,323 |
| Net charge-offs to loans | 0.3292% | 524 |
| Credit loss provision to net charge-offs | 128.9409% | 1,835 |
| Earnings coverage of net charge-offs (x) | 6.7796% | 2,804 |
| Efficiency ratio | 58.5935% | 3,851 |
| Assets per employee ($millions) | 5.9174% | 1,661 |
| Cash dividends to net income (ytd only)* | 32.6252% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 1,854 |
| Loan loss allowance to noncurrent loans | 48,400.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,767 |
| Noncurrent loans to loans | 0.0027% | 4,679 |
| Net loans and leases to total assets | 74.9711% | 1,654 |
| Net loans and leases to deposits | 85.8053% | 2,217 |
| Net loans and leases to core deposits | 102.9016% | 1,419 |
| Total domestic deposits to total assets | 87.3735% | 1,329 |
| Equity capital to assets | 12.0975% | 2,184 |
| Core capital (leverage) ratio | 9.8700% | 3,763 |
| Tier 1 risk-based capital ratio | 12.0276% | 4,406 |
| Total risk-based capital ratio | 13.2767% | 4,297 |
| Memoranda: | ||
| Average total assets | $422,356,250 | 1,671 |
| Average earning assets | $384,732,750 | 1,703 |
| Average equity | $50,559,500 | 1,587 |
| Average total loans | $328,894,250 | 1,518 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1246% | 1,162 |
| Cost of funding earning assets | 1.0682% | 1,424 |
| Net interest margin | 4.0564% | 1,735 |
| Noninterest income to average assets | 0.5125% | 2,610 |
| Noninterest expense to average assets | 2.4874% | 3,519 |
| Loan and lease loss provision to assets | 0.4585% | 260 |
| Net operating income to assets | 0.9815% | 2,986 |
| Return on assets (ROA) | 0.9744% | 3,078 |
| Pretax return on assets | 1.2540% | 2,730 |
| Return on Equity (ROE) | 8.1691% | 3,220 |
| Retained earnings to average equity (ytd only) | 4.0845% | 3,204 |
| Net charge-offs to loans | 0.4849% | 327 |
| Credit loss provision to net charge-offs | 120.4261% | 1,732 |
| Earnings coverage of net charge-offs (x) | 4.5213% | 2,734 |
| Efficiency ratio | 59.0976% | 3,848 |
| Assets per employee ($millions) | 6.0267% | 1,523 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 2,140 |
| Loan loss allowance to noncurrent loans | 820.6897% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 4,139 |
| Noncurrent loans to loans | 0.1546% | 3,989 |
| Net loans and leases to total assets | 77.9192% | 1,237 |
| Net loans and leases to deposits | 88.8691% | 1,880 |
| Net loans and leases to core deposits | 107.6144% | 1,129 |
| Total domestic deposits to total assets | 87.6785% | 1,256 |
| Equity capital to assets | 11.8681% | 2,291 |
| Core capital (leverage) ratio | 9.5187% | 4,124 |
| Tier 1 risk-based capital ratio | 11.3659% | 4,758 |
| Total risk-based capital ratio | 12.5638% | 4,674 |
| Memoranda: | ||
| Average total assets | $419,151,000 | 1,686 |
| Average earning assets | $381,963,000 | 1,720 |
| Average equity | $49,993,330 | 1,591 |
| Average total loans | $329,122,330 | 1,517 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9211% | 1,543 |
| Cost of funding earning assets | 0.9518% | 1,784 |
| Net interest margin | 3.9693% | 1,951 |
| Noninterest income to average assets | 0.5159% | 2,463 |
| Noninterest expense to average assets | 2.5093% | 3,483 |
| Loan and lease loss provision to assets | 0.5815% | 180 |
| Net operating income to assets | 0.8207% | 3,552 |
| Return on assets (ROA) | 0.8207% | 3,591 |
| Pretax return on assets | 1.0367% | 3,320 |
| Return on Equity (ROE) | 6.8631% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.8631% | 2,092 |
| Net charge-offs to loans | 0.8669% | 166 |
| Credit loss provision to net charge-offs | 85.6534% | 1,747 |
| Earnings coverage of net charge-offs (x) | 2.3835% | 2,501 |
| Efficiency ratio | 60.7944% | 3,705 |
| Assets per employee ($millions) | 6.1251% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 2,552 |
| Loan loss allowance to noncurrent loans | 1,477.9412% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 4,500 |
| Noncurrent loans to loans | 0.0815% | 4,396 |
| Net loans and leases to total assets | 78.0377% | 1,138 |
| Net loans and leases to deposits | 95.1572% | 1,046 |
| Net loans and leases to core deposits | 109.9494% | 928 |
| Total domestic deposits to total assets | 82.0092% | 3,725 |
| Equity capital to assets | 11.8803% | 2,102 |
| Core capital (leverage) ratio | 10.1335% | 3,449 |
| Tier 1 risk-based capital ratio | 11.4458% | 4,768 |
| Total risk-based capital ratio | 12.5825% | 4,727 |
| Memoranda: | ||
| Average total assets | $414,778,500 | 1,711 |
| Average earning assets | $377,393,500 | 1,743 |
| Average equity | $49,598,500 | 1,591 |
| Average total loans | $324,835,000 | 1,544 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 1,594 |
| Cost of funding earning assets | 0.8292% | 1,399 |
| Net interest margin | 3.9514% | 2,154 |
| Noninterest income to average assets | 0.5225% | 2,699 |
| Noninterest expense to average assets | 2.3933% | 3,897 |
| Loan and lease loss provision to assets | 0.1019% | 2,156 |
| Net operating income to assets | 1.2402% | 2,012 |
| Return on assets (ROA) | 1.2413% | 1,999 |
| Pretax return on assets | 1.6078% | 1,445 |
| Return on Equity (ROE) | 10.4664% | 2,309 |
| Retained earnings to average equity (ytd only) | 7.4466% | 1,480 |
| Net charge-offs to loans | 0.0487% | 2,459 |
| Credit loss provision to net charge-offs | 268.2119% | 1,116 |
| Earnings coverage of net charge-offs (x) | 44.9470% | 1,210 |
| Efficiency ratio | 57.8424% | 4,180 |
| Assets per employee ($millions) | 5.7313% | 1,734 |
| Cash dividends to net income (ytd only)* | 28.8524% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 2,017 |
| Loan loss allowance to noncurrent loans | 2,452.9762% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 4,644 |
| Noncurrent loans to loans | 0.0532% | 4,510 |
| Net loans and leases to total assets | 76.6030% | 1,503 |
| Net loans and leases to deposits | 88.7850% | 1,951 |
| Net loans and leases to core deposits | 102.3688% | 1,554 |
| Total domestic deposits to total assets | 86.2793% | 2,099 |
| Equity capital to assets | 12.0384% | 1,871 |
| Core capital (leverage) ratio | 10.1835% | 3,368 |
| Tier 1 risk-based capital ratio | 11.7988% | 4,570 |
| Total risk-based capital ratio | 13.0258% | 4,457 |
| Memoranda: | ||
| Average total assets | $397,311,600 | 1,724 |
| Average earning assets | $359,870,000 | 1,770 |
| Average equity | $47,122,200 | 1,593 |
| Average total loans | $310,032,400 | 1,557 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7510% | 1,543 |
| Cost of funding earning assets | 0.7979% | 1,350 |
| Net interest margin | 3.9532% | 2,114 |
| Noninterest income to average assets | 0.4987% | 2,880 |
| Noninterest expense to average assets | 2.4248% | 3,795 |
| Loan and lease loss provision to assets | 0.0523% | 2,936 |
| Net operating income to assets | 1.2412% | 2,079 |
| Return on assets (ROA) | 1.2428% | 2,077 |
| Pretax return on assets | 1.6084% | 1,555 |
| Return on Equity (ROE) | 10.5193% | 2,384 |
| Retained earnings to average equity (ytd only) | 6.8014% | 2,235 |
| Net charge-offs to loans | 0.0056% | 3,236 |
| Credit loss provision to net charge-offs | 1,192.3077% | 348 |
| Earnings coverage of net charge-offs (x) | 377.9862% | 251 |
| Efficiency ratio | 58.6937% | 4,010 |
| Assets per employee ($millions) | 5.5646% | 1,859 |
| Cash dividends to net income (ytd only)* | 35.3436% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 2,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 77.8091% | 1,373 |
| Net loans and leases to deposits | 90.6998% | 1,803 |
| Net loans and leases to core deposits | 107.3867% | 1,205 |
| Total domestic deposits to total assets | 85.7875% | 2,286 |
| Equity capital to assets | 12.0413% | 1,886 |
| Core capital (leverage) ratio | 9.9418% | 3,700 |
| Tier 1 risk-based capital ratio | 11.7210% | 4,655 |
| Total risk-based capital ratio | 12.9416% | 4,565 |
| Memoranda: | ||
| Average total assets | $394,908,500 | 1,743 |
| Average earning assets | $358,116,750 | 1,780 |
| Average equity | $46,656,000 | 1,607 |
| Average total loans | $308,581,250 | 1,564 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6616% | 1,606 |
| Cost of funding earning assets | 0.7751% | 1,257 |
| Net interest margin | 3.8865% | 2,255 |
| Noninterest income to average assets | 0.5101% | 2,802 |
| Noninterest expense to average assets | 2.4718% | 3,712 |
| Loan and lease loss provision to assets | 0.0380% | 3,149 |
| Net operating income to assets | 1.1758% | 2,295 |
| Return on assets (ROA) | 1.1782% | 2,288 |
| Pretax return on assets | 1.5211% | 1,742 |
| Return on Equity (ROE) | 10.0367% | 2,547 |
| Retained earnings to average equity (ytd only) | 6.5372% | 2,292 |
| Net charge-offs to loans | 0.0072% | 2,874 |
| Credit loss provision to net charge-offs | 681.8182% | 570 |
| Earnings coverage of net charge-offs (x) | 279.2727% | 320 |
| Efficiency ratio | 60.3244% | 3,893 |
| Assets per employee ($millions) | 5.6341% | 1,769 |
| Cash dividends to net income (ytd only)* | 34.8667% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 2,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 76.5396% | 1,556 |
| Net loans and leases to deposits | 97.0622% | 1,033 |
| Net loans and leases to core deposits | 116.5149% | 688 |
| Total domestic deposits to total assets | 78.8562% | 4,453 |
| Equity capital to assets | 11.7237% | 2,041 |
| Core capital (leverage) ratio | 9.6688% | 3,919 |
| Tier 1 risk-based capital ratio | 11.4708% | 4,796 |
| Total risk-based capital ratio | 12.6690% | 4,732 |
| Memoranda: | ||
| Average total assets | $394,848,000 | 1,751 |
| Average earning assets | $357,391,670 | 1,787 |
| Average equity | $46,350,000 | 1,622 |
| Average total loans | $307,633,330 | 1,566 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 1,716 |
| Cost of funding earning assets | 0.7189% | 1,348 |
| Net interest margin | 3.8316% | 2,295 |
| Noninterest income to average assets | 0.4517% | 3,098 |
| Noninterest expense to average assets | 2.5146% | 3,598 |
| Loan and lease loss provision to assets | 0.0459% | 2,846 |
| Net operating income to assets | 1.0638% | 2,591 |
| Return on assets (ROA) | 1.0687% | 2,579 |
| Pretax return on assets | 1.3756% | 2,083 |
| Return on Equity (ROE) | 9.0979% | 2,866 |
| Retained earnings to average equity (ytd only) | 8.3166% | 1,721 |
| Net charge-offs to loans | -0.0026% | 3,846 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6881% | 3,677 |
| Assets per employee ($millions) | 5.7178% | 1,748 |
| Cash dividends to net income (ytd only)* | 8.5878% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2641% | 2,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 77.4914% | 1,316 |
| Net loans and leases to deposits | 92.5334% | 1,382 |
| Net loans and leases to core deposits | 115.7323% | 732 |
| Total domestic deposits to total assets | 83.7442% | 3,421 |
| Equity capital to assets | 11.7508% | 1,949 |
| Core capital (leverage) ratio | 9.7476% | 3,805 |
| Tier 1 risk-based capital ratio | 11.3435% | 4,957 |
| Total risk-based capital ratio | 12.5421% | 4,873 |
| Memoranda: | ||
| Average total assets | $392,263,000 | 1,771 |
| Average earning assets | $356,089,000 | 1,807 |
| Average equity | $46,076,500 | 1,643 |
| Average total loans | $306,398,500 | 1,572 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 1,684 |
| Cost of funding earning assets | 0.6006% | 1,587 |
| Net interest margin | 3.9067% | 2,072 |
| Noninterest income to average assets | 0.4981% | 3,015 |
| Noninterest expense to average assets | 2.4116% | 4,048 |
| Loan and lease loss provision to assets | 0.0662% | 2,886 |
| Net operating income to assets | 1.1319% | 1,749 |
| Return on assets (ROA) | 1.1356% | 1,766 |
| Pretax return on assets | 1.5543% | 1,437 |
| Return on Equity (ROE) | 9.8316% | 1,960 |
| Retained earnings to average equity (ytd only) | 8.0314% | 754 |
| Net charge-offs to loans | -0.0675% | 5,263 |
| Credit loss provision to net charge-offs | -127.2727% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5770% | 4,463 |
| Assets per employee ($millions) | 5.4167% | 2,030 |
| Cash dividends to net income (ytd only)* | 18.3102% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 76.7419% | 1,475 |
| Net loans and leases to deposits | 88.8867% | 1,912 |
| Net loans and leases to core deposits | 109.6729% | 1,029 |
| Total domestic deposits to total assets | 86.3367% | 2,301 |
| Equity capital to assets | 11.7418% | 2,005 |
| Core capital (leverage) ratio | 9.6161% | 3,903 |
| Tier 1 risk-based capital ratio | 11.1301% | 5,073 |
| Total risk-based capital ratio | 12.3240% | 4,990 |
| Memoranda: | ||
| Average total assets | $380,417,200 | 1,788 |
| Average earning assets | $343,637,600 | 1,823 |
| Average equity | $43,939,800 | 1,692 |
| Average total loans | $293,377,000 | 1,597 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 1,686 |
| Cost of funding earning assets | 0.5718% | 1,728 |
| Net interest margin | 3.9137% | 1,990 |
| Noninterest income to average assets | 0.4948% | 3,057 |
| Noninterest expense to average assets | 2.4047% | 4,008 |
| Loan and lease loss provision to assets | 0.0836% | 2,422 |
| Net operating income to assets | 1.0241% | 2,450 |
| Return on assets (ROA) | 1.0278% | 2,471 |
| Pretax return on assets | 1.5491% | 1,583 |
| Return on Equity (ROE) | 8.9364% | 2,641 |
| Retained earnings to average equity (ytd only) | 6.7866% | 1,801 |
| Net charge-offs to loans | -0.0912% | 5,351 |
| Credit loss provision to net charge-offs | -119.0955% | 4,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3326% | 4,459 |
| Assets per employee ($millions) | 5.1264% | 2,302 |
| Cash dividends to net income (ytd only)* | 24.0562% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 2,410 |
| Loan loss allowance to noncurrent loans | 1,275.4967% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 4,594 |
| Noncurrent loans to loans | 0.1011% | 4,661 |
| Net loans and leases to total assets | 76.6749% | 1,474 |
| Net loans and leases to deposits | 97.9942% | 915 |
| Net loans and leases to core deposits | 122.5979% | 497 |
| Total domestic deposits to total assets | 78.2443% | 4,685 |
| Equity capital to assets | 11.6383% | 2,242 |
| Core capital (leverage) ratio | 9.2156% | 4,502 |
| Tier 1 risk-based capital ratio | 10.8777% | 5,305 |
| Total risk-based capital ratio | 12.0855% | 5,239 |
| Memoranda: | ||
| Average total assets | $378,021,250 | 1,811 |
| Average earning assets | $341,631,500 | 1,846 |
| Average equity | $43,476,500 | 1,721 |
| Average total loans | $290,931,250 | 1,615 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 1,735 |
| Cost of funding earning assets | 0.5190% | 2,021 |
| Net interest margin | 3.9088% | 1,896 |
| Noninterest income to average assets | 0.4922% | 3,070 |
| Noninterest expense to average assets | 2.4131% | 4,011 |
| Loan and lease loss provision to assets | 0.1022% | 1,983 |
| Net operating income to assets | 1.0016% | 2,423 |
| Return on assets (ROA) | 1.0073% | 2,430 |
| Pretax return on assets | 1.5122% | 1,594 |
| Return on Equity (ROE) | 8.7938% | 2,609 |
| Retained earnings to average equity (ytd only) | 5.9322% | 2,160 |
| Net charge-offs to loans | -0.1380% | 5,506 |
| Credit loss provision to net charge-offs | -96.4824% | 4,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7184% | 4,504 |
| Assets per employee ($millions) | 5.2706% | 2,089 |
| Cash dividends to net income (ytd only)* | 32.5409% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 2,702 |
| Loan loss allowance to noncurrent loans | 770.6478% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 4,468 |
| Noncurrent loans to loans | 0.1619% | 4,471 |
| Net loans and leases to total assets | 77.2381% | 1,357 |
| Net loans and leases to deposits | 102.2549% | 598 |
| Net loans and leases to core deposits | 125.1236% | 412 |
| Total domestic deposits to total assets | 75.5349% | 5,142 |
| Equity capital to assets | 11.2458% | 2,550 |
| Core capital (leverage) ratio | 9.0424% | 4,681 |
| Tier 1 risk-based capital ratio | 10.4246% | 5,492 |
| Total risk-based capital ratio | 11.6017% | 5,449 |
| Memoranda: | ||
| Average total assets | $375,868,670 | 1,822 |
| Average earning assets | $339,131,000 | 1,858 |
| Average equity | $43,053,000 | 1,738 |
| Average total loans | $288,358,000 | 1,622 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 1,866 |
| Cost of funding earning assets | 0.4596% | 2,436 |
| Net interest margin | 3.8750% | 1,872 |
| Noninterest income to average assets | 0.4610% | 3,248 |
| Noninterest expense to average assets | 2.4122% | 4,082 |
| Loan and lease loss provision to assets | 0.0553% | 2,700 |
| Net operating income to assets | 0.9862% | 2,363 |
| Return on assets (ROA) | 0.9979% | 2,363 |
| Pretax return on assets | 1.4946% | 1,546 |
| Return on Equity (ROE) | 8.6286% | 2,603 |
| Retained earnings to average equity (ytd only) | 7.9158% | 1,497 |
| Net charge-offs to loans | -0.2843% | 5,677 |
| Credit loss provision to net charge-offs | -25.6281% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7745% | 4,484 |
| Assets per employee ($millions) | 5.4960% | 1,894 |
| Cash dividends to net income (ytd only)* | 8.2609% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,661 |
| Loan loss allowance to noncurrent loans | 728.8270% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 4,496 |
| Noncurrent loans to loans | 0.1749% | 4,496 |
| Net loans and leases to total assets | 75.9694% | 1,420 |
| Net loans and leases to deposits | 100.6919% | 573 |
| Net loans and leases to core deposits | 116.7316% | 569 |
| Total domestic deposits to total assets | 75.4473% | 5,294 |
| Equity capital to assets | 11.5509% | 2,150 |
| Core capital (leverage) ratio | 9.3270% | 4,308 |
| Tier 1 risk-based capital ratio | 10.7610% | 5,437 |
| Total risk-based capital ratio | 11.9476% | 5,376 |
| Memoranda: | ||
| Average total assets | $368,792,500 | 1,865 |
| Average earning assets | $331,561,500 | 1,902 |
| Average equity | $42,649,000 | 1,750 |
| Average total loans | $280,011,000 | 1,671 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 2,562 |
| Cost of funding earning assets | 0.4019% | 2,982 |
| Net interest margin | 3.7758% | 2,405 |
| Noninterest income to average assets | 0.5964% | 2,685 |
| Noninterest expense to average assets | 2.5240% | 3,945 |
| Loan and lease loss provision to assets | 0.0978% | 2,419 |
| Net operating income to assets | 0.9037% | 2,800 |
| Return on assets (ROA) | 0.9309% | 2,787 |
| Pretax return on assets | 1.3918% | 1,977 |
| Return on Equity (ROE) | 7.8065% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.5633% | 1,016 |
| Net charge-offs to loans | 0.1154% | 2,104 |
| Credit loss provision to net charge-offs | 114.6259% | 2,293 |
| Earnings coverage of net charge-offs (x) | 16.9898% | 2,080 |
| Efficiency ratio | 62.0692% | 4,235 |
| Assets per employee ($millions) | 5.3509% | 2,003 |
| Cash dividends to net income (ytd only)* | 3.1162% | 4,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,792 |
| Loan loss allowance to noncurrent loans | 212.8349% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 3,504 |
| Noncurrent loans to loans | 0.5891% | 3,082 |
| Net loans and leases to total assets | 73.9360% | 1,860 |
| Net loans and leases to deposits | 91.6347% | 1,495 |
| Net loans and leases to core deposits | 110.1921% | 888 |
| Total domestic deposits to total assets | 80.6856% | 4,416 |
| Equity capital to assets | 11.5784% | 2,099 |
| Core capital (leverage) ratio | 9.4991% | 4,082 |
| Tier 1 risk-based capital ratio | 10.9444% | 5,372 |
| Total risk-based capital ratio | 12.0976% | 5,309 |
| Memoranda: | ||
| Average total assets | $344,725,800 | 1,926 |
| Average earning assets | $308,275,800 | 1,988 |
| Average equity | $41,106,600 | 1,800 |
| Average total loans | $254,694,800 | 1,771 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1748% | 2,592 |
| Cost of funding earning assets | 0.3922% | 3,104 |
| Net interest margin | 3.7826% | 2,397 |
| Noninterest income to average assets | 0.5950% | 2,686 |
| Noninterest expense to average assets | 2.5631% | 3,788 |
| Loan and lease loss provision to assets | 0.0549% | 3,160 |
| Net operating income to assets | 0.9142% | 2,840 |
| Return on assets (ROA) | 0.9276% | 2,892 |
| Pretax return on assets | 1.3826% | 2,117 |
| Return on Equity (ROE) | 7.7189% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.3925% | 1,442 |
| Net charge-offs to loans | 0.1566% | 1,440 |
| Credit loss provision to net charge-offs | 47.6190% | 3,062 |
| Earnings coverage of net charge-offs (x) | 12.2925% | 2,403 |
| Efficiency ratio | 62.9126% | 4,085 |
| Assets per employee ($millions) | 5.0711% | 2,290 |
| Cash dividends to net income (ytd only)* | 4.2283% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 2,973 |
| Loan loss allowance to noncurrent loans | 180.0336% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 3,380 |
| Noncurrent loans to loans | 0.6928% | 2,951 |
| Net loans and leases to total assets | 73.9040% | 1,881 |
| Net loans and leases to deposits | 90.9869% | 1,634 |
| Net loans and leases to core deposits | 108.1019% | 1,046 |
| Total domestic deposits to total assets | 81.2249% | 4,189 |
| Equity capital to assets | 12.1911% | 1,987 |
| Core capital (leverage) ratio | 9.4794% | 4,205 |
| Tier 1 risk-based capital ratio | 11.2726% | 5,218 |
| Total risk-based capital ratio | 12.4230% | 5,182 |
| Memoranda: | ||
| Average total assets | $339,942,750 | 1,952 |
| Average earning assets | $304,259,000 | 2,019 |
| Average equity | $40,851,000 | 1,827 |
| Average total loans | $250,259,000 | 1,792 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1875% | 2,551 |
| Cost of funding earning assets | 0.3854% | 3,202 |
| Net interest margin | 3.8021% | 2,311 |
| Noninterest income to average assets | 0.5652% | 2,821 |
| Noninterest expense to average assets | 2.5704% | 3,819 |
| Loan and lease loss provision to assets | 0.0650% | 2,844 |
| Net operating income to assets | 0.8989% | 2,868 |
| Return on assets (ROA) | 0.9021% | 2,985 |
| Pretax return on assets | 1.3343% | 2,267 |
| Return on Equity (ROE) | 7.5442% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.5442% | 1,362 |
| Net charge-offs to loans | 0.2374% | 993 |
| Credit loss provision to net charge-offs | 37.4150% | 2,798 |
| Earnings coverage of net charge-offs (x) | 8.0238% | 2,560 |
| Efficiency ratio | 63.3368% | 4,130 |
| Assets per employee ($millions) | 4.9749% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 3,002 |
| Loan loss allowance to noncurrent loans | 355.5184% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 4,455 |
| Noncurrent loans to loans | 0.3548% | 4,098 |
| Net loans and leases to total assets | 72.7133% | 2,054 |
| Net loans and leases to deposits | 91.3785% | 1,588 |
| Net loans and leases to core deposits | 104.2367% | 1,299 |
| Total domestic deposits to total assets | 79.5738% | 4,655 |
| Equity capital to assets | 12.0413% | 2,098 |
| Core capital (leverage) ratio | 9.3126% | 4,446 |
| Tier 1 risk-based capital ratio | 11.2168% | 5,306 |
| Total risk-based capital ratio | 12.3791% | 5,265 |
| Memoranda: | ||
| Average total assets | $338,312,330 | 1,972 |
| Average earning assets | $302,517,670 | 2,041 |
| Average equity | $40,455,000 | 1,836 |
| Average total loans | $247,657,000 | 1,810 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 2,757 |
| Cost of funding earning assets | 0.3835% | 3,262 |
| Net interest margin | 3.7402% | 2,522 |
| Noninterest income to average assets | 0.5646% | 2,720 |
| Noninterest expense to average assets | 2.5382% | 3,951 |
| Loan and lease loss provision to assets | 0.0536% | 2,868 |
| Net operating income to assets | 0.8892% | 2,807 |
| Return on assets (ROA) | 0.8957% | 2,900 |
| Pretax return on assets | 1.3161% | 2,236 |
| Return on Equity (ROE) | 7.5171% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.5171% | 1,657 |
| Net charge-offs to loans | 0.4782% | 463 |
| Credit loss provision to net charge-offs | 15.3584% | 2,324 |
| Earnings coverage of net charge-offs (x) | 3.8976% | 2,491 |
| Efficiency ratio | 63.5808% | 4,193 |
| Assets per employee ($millions) | 4.9087% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 3,117 |
| Loan loss allowance to noncurrent loans | 536.9416% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.8459% | 2,569 |
| Noncurrent loans to loans | 0.2347% | 4,592 |
| Net loans and leases to total assets | 72.2821% | 1,990 |
| Net loans and leases to deposits | 85.2476% | 2,166 |
| Net loans and leases to core deposits | 99.9008% | 1,491 |
| Total domestic deposits to total assets | 84.7908% | 3,208 |
| Equity capital to assets | 11.9583% | 2,057 |
| Core capital (leverage) ratio | 9.1745% | 4,628 |
| Tier 1 risk-based capital ratio | 10.8759% | 5,567 |
| Total risk-based capital ratio | 12.0099% | 5,538 |
| Memoranda: | ||
| Average total assets | $335,833,500 | 1,996 |
| Average earning assets | $299,341,000 | 2,063 |
| Average equity | $40,015,500 | 1,848 |
| Average total loans | $245,089,500 | 1,829 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 2,865 |
| Cost of funding earning assets | 0.3846% | 3,323 |
| Net interest margin | 3.7289% | 2,650 |
| Noninterest income to average assets | 0.6207% | 2,614 |
| Noninterest expense to average assets | 2.4774% | 4,297 |
| Loan and lease loss provision to assets | 0.1370% | 1,729 |
| Net operating income to assets | 0.9034% | 2,851 |
| Return on assets (ROA) | 0.9204% | 2,846 |
| Pretax return on assets | 1.3599% | 2,068 |
| Return on Equity (ROE) | 7.8476% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.8476% | 962 |
| Net charge-offs to loans | 0.0438% | 3,339 |
| Credit loss provision to net charge-offs | 443.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 47.5900% | 1,037 |
| Efficiency ratio | 61.1638% | 4,739 |
| Assets per employee ($millions) | 5.1225% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 2,463 |
| Loan loss allowance to noncurrent loans | 336.1914% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.9869% | 2,229 |
| Noncurrent loans to loans | 0.4141% | 3,965 |
| Net loans and leases to total assets | 71.7376% | 2,098 |
| Net loans and leases to deposits | 86.0072% | 2,133 |
| Net loans and leases to core deposits | 101.0731% | 1,437 |
| Total domestic deposits to total assets | 83.4088% | 3,707 |
| Equity capital to assets | 11.8715% | 2,052 |
| Core capital (leverage) ratio | 9.1968% | 4,622 |
| Tier 1 risk-based capital ratio | 10.8843% | 5,581 |
| Total risk-based capital ratio | 12.1345% | 5,495 |
| Memoranda: | ||
| Average total assets | $323,327,200 | 2,030 |
| Average earning assets | $288,612,200 | 2,078 |
| Average equity | $37,922,600 | 1,889 |
| Average total loans | $228,320,600 | 1,874 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0983% | 2,946 |
| Cost of funding earning assets | 0.3881% | 3,350 |
| Net interest margin | 3.7102% | 2,725 |
| Noninterest income to average assets | 0.6556% | 2,447 |
| Noninterest expense to average assets | 2.4828% | 4,249 |
| Loan and lease loss provision to assets | 0.1529% | 1,424 |
| Net operating income to assets | 0.9025% | 2,953 |
| Return on assets (ROA) | 0.9203% | 2,949 |
| Pretax return on assets | 1.3582% | 2,184 |
| Return on Equity (ROE) | 7.8709% | 3,150 |
| Retained earnings to average equity (ytd only) | 7.8709% | 1,292 |
| Net charge-offs to loans | 0.0575% | 2,778 |
| Credit loss provision to net charge-offs | 379.3814% | 793 |
| Earnings coverage of net charge-offs (x) | 36.8454% | 1,319 |
| Efficiency ratio | 61.0052% | 4,730 |
| Assets per employee ($millions) | 5.1817% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 2,624 |
| Loan loss allowance to noncurrent loans | 268.9487% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 1.0752% | 2,210 |
| Noncurrent loans to loans | 0.5191% | 3,798 |
| Net loans and leases to total assets | 71.4004% | 2,156 |
| Net loans and leases to deposits | 84.9157% | 2,295 |
| Net loans and leases to core deposits | 102.9309% | 1,302 |
| Total domestic deposits to total assets | 84.0839% | 3,389 |
| Equity capital to assets | 11.8980% | 2,181 |
| Core capital (leverage) ratio | 9.1093% | 4,861 |
| Tier 1 risk-based capital ratio | 10.7736% | 5,765 |
| Total risk-based capital ratio | 12.0209% | 5,703 |
| Memoranda: | ||
| Average total assets | $320,917,750 | 2,057 |
| Average earning assets | $286,484,750 | 2,104 |
| Average equity | $37,521,250 | 1,922 |
| Average total loans | $224,842,500 | 1,905 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9922% | 3,328 |
| Cost of funding earning assets | 0.3887% | 3,380 |
| Net interest margin | 3.6035% | 3,079 |
| Noninterest income to average assets | 0.7772% | 1,883 |
| Noninterest expense to average assets | 2.4841% | 4,291 |
| Loan and lease loss provision to assets | 0.1460% | 1,472 |
| Net operating income to assets | 0.9205% | 2,783 |
| Return on assets (ROA) | 0.9440% | 2,784 |
| Pretax return on assets | 1.3947% | 2,004 |
| Return on Equity (ROE) | 8.1227% | 2,977 |
| Retained earnings to average equity (ytd only) | 8.1227% | 1,213 |
| Net charge-offs to loans | 0.0009% | 3,875 |
| Credit loss provision to net charge-offs | 23,300.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 2,403.0000% | 20 |
| Efficiency ratio | 60.6817% | 4,884 |
| Assets per employee ($millions) | 5.1905% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 2,740 |
| Loan loss allowance to noncurrent loans | 269.9503% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 3,826 |
| Noncurrent loans to loans | 0.5201% | 3,897 |
| Net loans and leases to total assets | 71.1665% | 2,134 |
| Net loans and leases to deposits | 84.0809% | 2,302 |
| Net loans and leases to core deposits | 102.2949% | 1,307 |
| Total domestic deposits to total assets | 84.6405% | 3,276 |
| Equity capital to assets | 11.8093% | 2,159 |
| Core capital (leverage) ratio | 8.9202% | 5,065 |
| Tier 1 risk-based capital ratio | 10.9732% | 5,722 |
| Total risk-based capital ratio | 12.2232% | 5,640 |
| Memoranda: | ||
| Average total assets | $319,074,000 | 2,081 |
| Average earning assets | $284,501,670 | 2,135 |
| Average equity | $37,081,330 | 1,946 |
| Average total loans | $220,994,670 | 1,934 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 3,216 |
| Cost of funding earning assets | 0.3827% | 3,500 |
| Net interest margin | 3.6217% | 2,918 |
| Noninterest income to average assets | 0.8813% | 1,448 |
| Noninterest expense to average assets | 2.5332% | 4,160 |
| Loan and lease loss provision to assets | 0.1322% | 1,562 |
| Net operating income to assets | 0.9713% | 2,387 |
| Return on assets (ROA) | 1.0047% | 2,384 |
| Pretax return on assets | 1.4819% | 1,624 |
| Return on Equity (ROE) | 8.7165% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.7165% | 1,304 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2765% | 5,059 |
| Assets per employee ($millions) | 5.0189% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 2,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 5,090 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 66.4963% | 2,694 |
| Net loans and leases to deposits | 75.8846% | 3,073 |
| Net loans and leases to core deposits | 91.4733% | 1,987 |
| Total domestic deposits to total assets | 87.6282% | 2,029 |
| Equity capital to assets | 11.3672% | 2,582 |
| Core capital (leverage) ratio | 8.6966% | 5,330 |
| Tier 1 risk-based capital ratio | 10.9878% | 5,814 |
| Total risk-based capital ratio | 12.2381% | 5,743 |
| Memoranda: | ||
| Average total assets | $317,704,500 | 2,097 |
| Average earning assets | $282,191,500 | 2,162 |
| Average equity | $36,620,000 | 1,980 |
| Average total loans | $215,350,000 | 1,972 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1476% | 3,134 |
| Cost of funding earning assets | 0.3779% | 3,932 |
| Net interest margin | 3.7698% | 2,733 |
| Noninterest income to average assets | 0.5885% | 2,930 |
| Noninterest expense to average assets | 2.5342% | 4,437 |
| Loan and lease loss provision to assets | 0.1607% | 1,637 |
| Net operating income to assets | 0.8203% | 3,278 |
| Return on assets (ROA) | 0.8463% | 3,233 |
| Pretax return on assets | 1.2478% | 2,453 |
| Return on Equity (ROE) | 7.0175% | 3,620 |
| Retained earnings to average equity (ytd only) | 4.1822% | 3,225 |
| Net charge-offs to loans | 0.0123% | 4,652 |
| Credit loss provision to net charge-offs | 1,958.3333% | 157 |
| Earnings coverage of net charge-offs (x) | 166.9583% | 321 |
| Efficiency ratio | 63.1547% | 4,731 |
| Assets per employee ($millions) | 4.9077% | 2,443 |
| Cash dividends to net income (ytd only)* | 40.4040% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 2,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 3,960 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 67.1475% | 2,703 |
| Net loans and leases to deposits | 76.9654% | 3,094 |
| Net loans and leases to core deposits | 90.1558% | 2,260 |
| Total domestic deposits to total assets | 87.2438% | 2,151 |
| Equity capital to assets | 11.6944% | 2,262 |
| Core capital (leverage) ratio | 8.6976% | 5,348 |
| Tier 1 risk-based capital ratio | 10.8803% | 5,953 |
| Total risk-based capital ratio | 12.1308% | 5,886 |
| Memoranda: | ||
| Average total assets | $292,440,000 | 2,198 |
| Average earning assets | $257,230,400 | 2,295 |
| Average equity | $35,268,800 | 1,982 |
| Average total loans | $195,544,600 | 2,066 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 3,164 |
| Cost of funding earning assets | 0.3781% | 4,042 |
| Net interest margin | 3.7739% | 2,717 |
| Noninterest income to average assets | 0.5777% | 3,011 |
| Noninterest expense to average assets | 2.5315% | 4,424 |
| Loan and lease loss provision to assets | 0.2086% | 1,114 |
| Net operating income to assets | 0.7927% | 3,455 |
| Return on assets (ROA) | 0.7984% | 3,534 |
| Pretax return on assets | 1.1698% | 2,912 |
| Return on Equity (ROE) | 6.5663% | 3,925 |
| Retained earnings to average equity (ytd only) | 2.7620% | 4,629 |
| Net charge-offs to loans | 0.0021% | 4,643 |
| Credit loss provision to net charge-offs | 15,033.3333% | 19 |
| Earnings coverage of net charge-offs (x) | 987.3075% | 75 |
| Efficiency ratio | 63.1061% | 4,700 |
| Assets per employee ($millions) | 4.4677% | 3,026 |
| Cash dividends to net income (ytd only)* | 57.9373% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 2,644 |
| Loan loss allowance to noncurrent loans | 9,184.8485% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 4,026 |
| Noncurrent loans to loans | 0.0165% | 5,965 |
| Net loans and leases to total assets | 67.9563% | 2,539 |
| Net loans and leases to deposits | 78.3204% | 2,912 |
| Net loans and leases to core deposits | 93.1647% | 1,942 |
| Total domestic deposits to total assets | 86.7670% | 2,440 |
| Equity capital to assets | 12.1820% | 1,918 |
| Core capital (leverage) ratio | 8.6465% | 5,500 |
| Tier 1 risk-based capital ratio | 11.0863% | 5,957 |
| Total risk-based capital ratio | 12.3378% | 5,912 |
| Memoranda: | ||
| Average total assets | $288,254,500 | 2,235 |
| Average earning assets | $253,879,250 | 2,330 |
| Average equity | $35,046,750 | 2,001 |
| Average total loans | $191,771,500 | 2,113 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1428% | 3,179 |
| Cost of funding earning assets | 0.3750% | 4,162 |
| Net interest margin | 3.7678% | 2,678 |
| Noninterest income to average assets | 0.5217% | 3,330 |
| Noninterest expense to average assets | 2.4936% | 4,594 |
| Loan and lease loss provision to assets | 0.3137% | 612 |
| Net operating income to assets | 0.6994% | 3,845 |
| Return on assets (ROA) | 0.7081% | 3,891 |
| Pretax return on assets | 1.0253% | 3,373 |
| Return on Equity (ROE) | 5.8277% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.8277% | 2,433 |
| Net charge-offs to loans | 0.0032% | 4,283 |
| Credit loss provision to net charge-offs | 15,033.3333% | 22 |
| Earnings coverage of net charge-offs (x) | 635.6667% | 113 |
| Efficiency ratio | 63.4559% | 4,778 |
| Assets per employee ($millions) | 4.8427% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 2,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 4,235 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 67.4440% | 2,508 |
| Net loans and leases to deposits | 86.9014% | 1,723 |
| Net loans and leases to core deposits | 99.7142% | 1,306 |
| Total domestic deposits to total assets | 77.6098% | 5,706 |
| Equity capital to assets | 12.0534% | 1,938 |
| Core capital (leverage) ratio | 8.8070% | 5,265 |
| Tier 1 risk-based capital ratio | 11.1136% | 6,005 |
| Total risk-based capital ratio | 12.3649% | 5,940 |
| Memoranda: | ||
| Average total assets | $287,538,330 | 2,240 |
| Average earning assets | $251,711,000 | 2,342 |
| Average equity | $34,936,670 | 1,998 |
| Average total loans | $188,902,670 | 2,141 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0371% | 3,534 |
| Cost of funding earning assets | 0.3869% | 4,125 |
| Net interest margin | 3.6503% | 3,058 |
| Noninterest income to average assets | 0.5176% | 3,280 |
| Noninterest expense to average assets | 2.4456% | 4,795 |
| Loan and lease loss provision to assets | 0.4372% | 367 |
| Net operating income to assets | 0.5811% | 4,292 |
| Return on assets (ROA) | 0.5811% | 4,359 |
| Pretax return on assets | 0.8152% | 4,052 |
| Return on Equity (ROE) | 4.7627% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.7627% | 3,258 |
| Net charge-offs to loans | 0.0044% | 3,585 |
| Credit loss provision to net charge-offs | 15,500.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 444.0000% | 98 |
| Efficiency ratio | 64.2258% | 4,824 |
| Assets per employee ($millions) | 5.1103% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 3,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 5,435 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 66.4023% | 2,501 |
| Net loans and leases to deposits | 78.8747% | 2,440 |
| Net loans and leases to core deposits | 90.1632% | 1,895 |
| Total domestic deposits to total assets | 84.1871% | 4,215 |
| Equity capital to assets | 12.2176% | 1,736 |
| Core capital (leverage) ratio | 8.9788% | 5,045 |
| Tier 1 risk-based capital ratio | 11.3326% | 6,004 |
| Total risk-based capital ratio | 12.5841% | 5,953 |
| Memoranda: | ||
| Average total assets | $283,606,500 | 2,272 |
| Average earning assets | $247,105,500 | 2,379 |
| Average equity | $34,602,000 | 2,005 |
| Average total loans | $182,223,000 | 2,210 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 4,417 |
| Cost of funding earning assets | 0.4290% | 4,326 |
| Net interest margin | 3.4831% | 3,973 |
| Noninterest income to average assets | 0.5605% | 3,328 |
| Noninterest expense to average assets | 2.4541% | 4,915 |
| Loan and lease loss provision to assets | 0.0907% | 3,296 |
| Net operating income to assets | 0.7281% | 3,667 |
| Return on assets (ROA) | 0.8057% | 3,364 |
| Pretax return on assets | 1.1438% | 2,794 |
| Return on Equity (ROE) | 6.5176% | 3,822 |
| Retained earnings to average equity (ytd only) | 2.4277% | 4,520 |
| Net charge-offs to loans | -0.0012% | 5,830 |
| Credit loss provision to net charge-offs | -12,550.0000% | 6,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5051% | 4,471 |
| Assets per employee ($millions) | 5.0185% | 2,163 |
| Cash dividends to net income (ytd only)* | 62.7521% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 3,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 5,469 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 60.1147% | 3,694 |
| Net loans and leases to deposits | 69.2459% | 3,881 |
| Net loans and leases to core deposits | 79.1188% | 3,228 |
| Total domestic deposits to total assets | 86.8134% | 2,825 |
| Equity capital to assets | 12.1835% | 1,694 |
| Core capital (leverage) ratio | 8.7917% | 5,295 |
| Tier 1 risk-based capital ratio | 12.2042% | 5,496 |
| Total risk-based capital ratio | 13.4554% | 5,420 |
| Memoranda: | ||
| Average total assets | $276,888,400 | 2,296 |
| Average earning assets | $239,843,800 | 2,422 |
| Average equity | $34,230,400 | 2,008 |
| Average total loans | $161,257,000 | 2,408 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8513% | 4,662 |
| Cost of funding earning assets | 0.4331% | 4,475 |
| Net interest margin | 3.4182% | 4,217 |
| Noninterest income to average assets | 0.5921% | 3,198 |
| Noninterest expense to average assets | 2.4979% | 4,732 |
| Loan and lease loss provision to assets | 0.1213% | 2,780 |
| Net operating income to assets | 0.6725% | 4,002 |
| Return on assets (ROA) | 0.7521% | 3,717 |
| Pretax return on assets | 1.0604% | 3,263 |
| Return on Equity (ROE) | 6.0611% | 4,157 |
| Retained earnings to average equity (ytd only) | 2.5553% | 4,791 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8905% | 4,119 |
| Assets per employee ($millions) | 4.8518% | 2,364 |
| Cash dividends to net income (ytd only)* | 57.8408% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 3,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 5,446 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 60.2746% | 3,656 |
| Net loans and leases to deposits | 69.2948% | 3,891 |
| Net loans and leases to core deposits | 78.7987% | 3,252 |
| Total domestic deposits to total assets | 86.9828% | 2,703 |
| Equity capital to assets | 12.0840% | 1,867 |
| Core capital (leverage) ratio | 8.8636% | 5,299 |
| Tier 1 risk-based capital ratio | 12.1961% | 5,652 |
| Total risk-based capital ratio | 13.4470% | 5,589 |
| Memoranda: | ||
| Average total assets | $275,851,500 | 2,309 |
| Average earning assets | $240,119,750 | 2,435 |
| Average equity | $34,228,000 | 2,024 |
| Average total loans | $158,689,500 | 2,454 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8233% | 4,748 |
| Cost of funding earning assets | 0.4407% | 4,532 |
| Net interest margin | 3.3826% | 4,257 |
| Noninterest income to average assets | 0.6343% | 2,995 |
| Noninterest expense to average assets | 2.5226% | 4,653 |
| Loan and lease loss provision to assets | 0.1168% | 2,864 |
| Net operating income to assets | 0.6600% | 4,017 |
| Return on assets (ROA) | 0.7460% | 3,742 |
| Pretax return on assets | 1.0460% | 3,310 |
| Return on Equity (ROE) | 5.9588% | 4,202 |
| Retained earnings to average equity (ytd only) | 0.7113% | 5,614 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5849% | 4,085 |
| Assets per employee ($millions) | 4.5542% | 2,733 |
| Cash dividends to net income (ytd only)* | 88.0626% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 3,509 |
| Loan loss allowance to noncurrent loans | 6,384.6154% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 5,408 |
| Noncurrent loans to loans | 0.0238% | 6,345 |
| Net loans and leases to total assets | 59.1395% | 3,807 |
| Net loans and leases to deposits | 68.2739% | 3,971 |
| Net loans and leases to core deposits | 78.5539% | 3,219 |
| Total domestic deposits to total assets | 86.6209% | 3,041 |
| Equity capital to assets | 12.3651% | 1,665 |
| Core capital (leverage) ratio | 8.6545% | 5,477 |
| Tier 1 risk-based capital ratio | 12.1224% | 5,723 |
| Total risk-based capital ratio | 13.3731% | 5,664 |
| Memoranda: | ||
| Average total assets | $274,000,670 | 2,330 |
| Average earning assets | $237,333,330 | 2,470 |
| Average equity | $34,302,330 | 2,028 |
| Average total loans | $154,187,330 | 2,517 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7731% | 4,910 |
| Cost of funding earning assets | 0.4350% | 4,757 |
| Net interest margin | 3.3381% | 4,363 |
| Noninterest income to average assets | 0.5380% | 3,512 |
| Noninterest expense to average assets | 2.5367% | 4,622 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6415% | 4,009 |
| Return on assets (ROA) | 0.6415% | 4,170 |
| Pretax return on assets | 0.8878% | 3,807 |
| Return on Equity (ROE) | 5.0927% | 4,520 |
| Retained earnings to average equity (ytd only) | 5.0927% | 3,178 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6475% | 3,679 |
| Assets per employee ($millions) | 4.6247% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5720% | 3,516 |
| Loan loss allowance to noncurrent loans | 920.9486% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 5,397 |
| Noncurrent loans to loans | 0.1707% | 5,974 |
| Net loans and leases to total assets | 53.4687% | 4,490 |
| Net loans and leases to deposits | 62.0231% | 4,539 |
| Net loans and leases to core deposits | 71.2454% | 3,925 |
| Total domestic deposits to total assets | 86.2077% | 3,411 |
| Equity capital to assets | 12.7504% | 1,561 |
| Core capital (leverage) ratio | 8.9974% | 4,896 |
| Tier 1 risk-based capital ratio | 13.5633% | 4,824 |
| Total risk-based capital ratio | 14.8149% | 4,780 |
| Memoranda: | ||
| Average total assets | $274,374,000 | 2,353 |
| Average earning assets | $237,258,000 | 2,496 |
| Average equity | $34,559,500 | 2,039 |
| Average total loans | $149,235,500 | 2,591 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 4,617 |
| Cost of funding earning assets | 0.5794% | 4,544 |
| Net interest margin | 3.6134% | 4,031 |
| Noninterest income to average assets | 0.7012% | 2,715 |
| Noninterest expense to average assets | 2.6062% | 4,723 |
| Loan and lease loss provision to assets | 0.2270% | 2,862 |
| Net operating income to assets | 0.7576% | 3,475 |
| Return on assets (ROA) | 0.8072% | 3,502 |
| Pretax return on assets | 1.0672% | 3,282 |
| Return on Equity (ROE) | 6.0970% | 4,120 |
| Retained earnings to average equity (ytd only) | 1.8174% | 4,944 |
| Net charge-offs to loans | 0.3571% | 2,845 |
| Credit loss provision to net charge-offs | 110.5860% | 2,644 |
| Earnings coverage of net charge-offs (x) | 5.9868% | 2,900 |
| Efficiency ratio | 65.6278% | 4,576 |
| Assets per employee ($millions) | 4.5228% | 2,917 |
| Cash dividends to net income (ytd only)* | 70.1923% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 3,515 |
| Loan loss allowance to noncurrent loans | 844.2029% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 5,460 |
| Noncurrent loans to loans | 0.1837% | 6,010 |
| Net loans and leases to total assets | 53.6146% | 4,672 |
| Net loans and leases to deposits | 61.9821% | 4,788 |
| Net loans and leases to core deposits | 70.4168% | 4,247 |
| Total domestic deposits to total assets | 86.5002% | 3,096 |
| Equity capital to assets | 12.4429% | 1,753 |
| Core capital (leverage) ratio | 8.9525% | 4,970 |
| Tier 1 risk-based capital ratio | 13.2683% | 4,924 |
| Total risk-based capital ratio | 14.5191% | 4,867 |
| Memoranda: | ||
| Average total assets | $257,691,800 | 2,462 |
| Average earning assets | $223,502,600 | 2,582 |
| Average equity | $34,115,200 | 2,028 |
| Average total loans | $148,150,600 | 2,597 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2762% | 4,548 |
| Cost of funding earning assets | 0.6144% | 4,502 |
| Net interest margin | 3.6617% | 3,960 |
| Noninterest income to average assets | 0.6884% | 2,768 |
| Noninterest expense to average assets | 2.6735% | 4,483 |
| Loan and lease loss provision to assets | 0.2660% | 2,448 |
| Net operating income to assets | 0.6663% | 4,059 |
| Return on assets (ROA) | 0.6689% | 4,314 |
| Pretax return on assets | 0.9354% | 3,979 |
| Return on Equity (ROE) | 4.9712% | 4,830 |
| Retained earnings to average equity (ytd only) | -0.7437% | 6,229 |
| Net charge-offs to loans | 0.3775% | 2,588 |
| Credit loss provision to net charge-offs | 120.8134% | 2,394 |
| Earnings coverage of net charge-offs (x) | 5.4402% | 3,028 |
| Efficiency ratio | 66.7211% | 4,304 |
| Assets per employee ($millions) | 4.4611% | 2,980 |
| Cash dividends to net income (ytd only)* | 114.9608% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5331% | 3,804 |
| Loan loss allowance to noncurrent loans | 665.0704% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.4782% | 5,472 |
| Noncurrent loans to loans | 0.2305% | 6,033 |
| Net loans and leases to total assets | 59.6362% | 3,849 |
| Net loans and leases to deposits | 69.7200% | 3,934 |
| Net loans and leases to core deposits | 79.8970% | 3,217 |
| Total domestic deposits to total assets | 85.5368% | 3,490 |
| Equity capital to assets | 13.2842% | 1,453 |
| Core capital (leverage) ratio | 8.9363% | 5,146 |
| Tier 1 risk-based capital ratio | 12.5575% | 5,598 |
| Total risk-based capital ratio | 13.8087% | 5,558 |
| Memoranda: | ||
| Average total assets | $253,141,500 | 2,522 |
| Average earning assets | $220,035,250 | 2,645 |
| Average equity | $34,061,750 | 2,046 |
| Average total loans | $147,626,000 | 2,640 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2431% | 4,793 |
| Cost of funding earning assets | 0.6473% | 4,464 |
| Net interest margin | 3.5957% | 4,280 |
| Noninterest income to average assets | 0.5634% | 3,499 |
| Noninterest expense to average assets | 2.6578% | 4,576 |
| Loan and lease loss provision to assets | 0.1385% | 3,790 |
| Net operating income to assets | 0.6433% | 4,145 |
| Return on assets (ROA) | 0.6472% | 4,377 |
| Pretax return on assets | 0.9020% | 4,072 |
| Return on Equity (ROE) | 4.7898% | 4,910 |
| Retained earnings to average equity (ytd only) | 0.2635% | 5,955 |
| Net charge-offs to loans | 0.2007% | 3,378 |
| Credit loss provision to net charge-offs | 119.8630% | 2,296 |
| Earnings coverage of net charge-offs (x) | 8.9589% | 2,224 |
| Efficiency ratio | 69.5093% | 3,848 |
| Assets per employee ($millions) | 4.6653% | 2,616 |
| Cash dividends to net income (ytd only)* | 94.4988% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 3,756 |
| Loan loss allowance to noncurrent loans | 246.0470% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.7245% | 4,982 |
| Noncurrent loans to loans | 0.6329% | 5,241 |
| Net loans and leases to total assets | 56.7413% | 4,361 |
| Net loans and leases to deposits | 66.2508% | 4,479 |
| Net loans and leases to core deposits | 77.2482% | 3,622 |
| Total domestic deposits to total assets | 85.6463% | 3,535 |
| Equity capital to assets | 13.2305% | 1,421 |
| Core capital (leverage) ratio | 8.6433% | 5,457 |
| Tier 1 risk-based capital ratio | 13.0756% | 5,131 |
| Total risk-based capital ratio | 14.3309% | 5,109 |
| Memoranda: | ||
| Average total assets | $252,762,000 | 2,519 |
| Average earning assets | $219,983,000 | 2,649 |
| Average equity | $34,156,000 | 2,023 |
| Average total loans | $145,500,000 | 2,678 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 5,279 |
| Cost of funding earning assets | 0.6454% | 4,770 |
| Net interest margin | 3.5029% | 4,684 |
| Noninterest income to average assets | 0.5453% | 3,593 |
| Noninterest expense to average assets | 2.6040% | 4,804 |
| Loan and lease loss provision to assets | 0.1355% | 3,653 |
| Net operating income to assets | 0.6156% | 4,284 |
| Return on assets (ROA) | 0.6235% | 4,451 |
| Pretax return on assets | 0.8722% | 4,141 |
| Return on Equity (ROE) | 4.5651% | 5,008 |
| Retained earnings to average equity (ytd only) | -4.4600% | 6,544 |
| Net charge-offs to loans | 0.0222% | 4,373 |
| Credit loss provision to net charge-offs | 1,062.5000% | 326 |
| Earnings coverage of net charge-offs (x) | 78.1250% | 426 |
| Efficiency ratio | 69.7963% | 3,852 |
| Assets per employee ($millions) | 4.9178% | 2,357 |
| Cash dividends to net income (ytd only)* | 197.6982% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6081% | 3,689 |
| Loan loss allowance to noncurrent loans | 103.2046% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.9150% | 4,691 |
| Noncurrent loans to loans | 1.5582% | 3,775 |
| Net loans and leases to total assets | 53.1819% | 4,857 |
| Net loans and leases to deposits | 61.8506% | 4,942 |
| Net loans and leases to core deposits | 72.1054% | 4,137 |
| Total domestic deposits to total assets | 85.9845% | 3,533 |
| Equity capital to assets | 12.3928% | 1,796 |
| Core capital (leverage) ratio | 9.4273% | 4,161 |
| Tier 1 risk-based capital ratio | 12.9400% | 5,255 |
| Total risk-based capital ratio | 14.1923% | 5,227 |
| Memoranda: | ||
| Average total assets | $250,848,500 | 2,556 |
| Average earning assets | $218,788,500 | 2,666 |
| Average equity | $34,260,000 | 2,019 |
| Average total loans | $144,302,500 | 2,714 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5632% | 4,818 |
| Cost of funding earning assets | 0.8304% | 4,622 |
| Net interest margin | 3.7328% | 4,145 |
| Noninterest income to average assets | 0.5610% | 3,426 |
| Noninterest expense to average assets | 2.8527% | 4,156 |
| Loan and lease loss provision to assets | 0.1038% | 5,287 |
| Net operating income to assets | 0.6101% | 3,949 |
| Return on assets (ROA) | 0.6458% | 3,953 |
| Pretax return on assets | 0.9034% | 3,597 |
| Return on Equity (ROE) | 4.8153% | 4,471 |
| Retained earnings to average equity (ytd only) | 2.3055% | 4,574 |
| Net charge-offs to loans | 0.1028% | 5,327 |
| Credit loss provision to net charge-offs | 171.5328% | 1,558 |
| Earnings coverage of net charge-offs (x) | 15.8102% | 1,369 |
| Efficiency ratio | 72.2171% | 3,526 |
| Assets per employee ($millions) | 4.2040% | 3,461 |
| Cash dividends to net income (ytd only)* | 52.1204% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 3,602 |
| Loan loss allowance to noncurrent loans | 143.0189% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 5,092 |
| Noncurrent loans to loans | 1.1165% | 4,485 |
| Net loans and leases to total assets | 60.6069% | 3,871 |
| Net loans and leases to deposits | 73.1919% | 3,634 |
| Net loans and leases to core deposits | 88.3953% | 2,337 |
| Total domestic deposits to total assets | 82.8054% | 4,831 |
| Equity capital to assets | 15.1372% | 745 |
| Core capital (leverage) ratio | 10.5282% | 2,690 |
| Tier 1 risk-based capital ratio | 14.4417% | 4,013 |
| Total risk-based capital ratio | 15.6941% | 3,985 |
| Memoranda: | ||
| Average total assets | $226,378,400 | 2,768 |
| Average earning assets | $197,012,800 | 2,891 |
| Average equity | $30,361,800 | 2,167 |
| Average total loans | $133,247,400 | 2,936 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5286% | 5,171 |
| Cost of funding earning assets | 0.8671% | 4,656 |
| Net interest margin | 3.6615% | 4,519 |
| Noninterest income to average assets | 0.5157% | 3,752 |
| Noninterest expense to average assets | 2.9092% | 3,894 |
| Loan and lease loss provision to assets | 0.0740% | 5,524 |
| Net operating income to assets | 0.5299% | 4,407 |
| Return on assets (ROA) | 0.5785% | 4,365 |
| Pretax return on assets | 0.7982% | 4,135 |
| Return on Equity (ROE) | 4.4607% | 4,788 |
| Retained earnings to average equity (ytd only) | 1.9724% | 5,151 |
| Net charge-offs to loans | 0.0092% | 6,034 |
| Credit loss provision to net charge-offs | 1,388.8889% | 197 |
| Earnings coverage of net charge-offs (x) | 150.9958% | 256 |
| Efficiency ratio | 75.5899% | 2,902 |
| Assets per employee ($millions) | 4.6952% | 2,630 |
| Cash dividends to net income (ytd only)* | 55.7833% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 3,554 |
| Loan loss allowance to noncurrent loans | 88.4259% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.1688% | 4,452 |
| Noncurrent loans to loans | 1.8370% | 3,587 |
| Net loans and leases to total assets | 60.3350% | 4,074 |
| Net loans and leases to deposits | 73.4389% | 3,734 |
| Net loans and leases to core deposits | 89.0543% | 2,350 |
| Total domestic deposits to total assets | 82.1567% | 5,030 |
| Equity capital to assets | 15.1367% | 819 |
| Core capital (leverage) ratio | 10.7592% | 2,603 |
| Tier 1 risk-based capital ratio | 14.5113% | 3,971 |
| Total risk-based capital ratio | 15.7679% | 3,941 |
| Memoranda: | ||
| Average total assets | $225,168,500 | 2,788 |
| Average earning assets | $196,669,750 | 2,908 |
| Average equity | $29,202,250 | 2,256 |
| Average total loans | $130,957,250 | 2,990 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4427% | 5,549 |
| Cost of funding earning assets | 0.9060% | 4,615 |
| Net interest margin | 3.5367% | 4,988 |
| Noninterest income to average assets | 0.4572% | 4,228 |
| Noninterest expense to average assets | 2.8827% | 4,092 |
| Loan and lease loss provision to assets | 0.0582% | 5,586 |
| Net operating income to assets | 0.4426% | 4,755 |
| Return on assets (ROA) | 0.5180% | 4,566 |
| Pretax return on assets | 0.7023% | 4,379 |
| Return on Equity (ROE) | 4.2374% | 4,818 |
| Retained earnings to average equity (ytd only) | 0.2415% | 5,740 |
| Net charge-offs to loans | 0.0361% | 5,349 |
| Credit loss provision to net charge-offs | 282.6087% | 1,082 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 878 |
| Efficiency ratio | 78.4992% | 2,630 |
| Assets per employee ($millions) | 4.5477% | 2,758 |
| Cash dividends to net income (ytd only)* | 94.3005% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 3,322 |
| Loan loss allowance to noncurrent loans | 80.5959% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.5321% | 3,905 |
| Noncurrent loans to loans | 2.1110% | 3,339 |
| Net loans and leases to total assets | 57.5072% | 4,720 |
| Net loans and leases to deposits | 67.3757% | 4,803 |
| Net loans and leases to core deposits | 80.7318% | 3,685 |
| Total domestic deposits to total assets | 85.3530% | 3,702 |
| Equity capital to assets | 12.3978% | 1,844 |
| Core capital (leverage) ratio | 7.3152% | 6,856 |
| Tier 1 risk-based capital ratio | 10.6396% | 6,738 |
| Total risk-based capital ratio | 11.8942% | 6,727 |
| Memoranda: | ||
| Average total assets | $223,536,670 | 2,820 |
| Average earning assets | $194,926,000 | 2,939 |
| Average equity | $27,328,330 | 2,360 |
| Average total loans | $127,576,000 | 3,080 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 6,109 |
| Cost of funding earning assets | 0.8995% | 4,926 |
| Net interest margin | 3.3656% | 5,558 |
| Noninterest income to average assets | 0.4556% | 4,229 |
| Noninterest expense to average assets | 2.9390% | 3,895 |
| Loan and lease loss provision to assets | 0.0804% | 5,003 |
| Net operating income to assets | 0.3139% | 5,339 |
| Return on assets (ROA) | 0.3359% | 5,323 |
| Pretax return on assets | 0.4109% | 5,308 |
| Return on Equity (ROE) | 2.7668% | 5,480 |
| Retained earnings to average equity (ytd only) | 2.7668% | 4,505 |
| Net charge-offs to loans | 0.0729% | 4,213 |
| Credit loss provision to net charge-offs | 195.6522% | 1,515 |
| Earnings coverage of net charge-offs (x) | 11.3043% | 1,561 |
| Efficiency ratio | 83.3596% | 2,036 |
| Assets per employee ($millions) | 4.5024% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7558% | 3,152 |
| Loan loss allowance to noncurrent loans | 113.8860% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 1.1563% | 4,627 |
| Noncurrent loans to loans | 1.5417% | 4,156 |
| Net loans and leases to total assets | 53.5611% | 5,372 |
| Net loans and leases to deposits | 62.6057% | 5,429 |
| Net loans and leases to core deposits | 75.3828% | 4,370 |
| Total domestic deposits to total assets | 85.5531% | 3,757 |
| Equity capital to assets | 11.9384% | 1,954 |
| Core capital (leverage) ratio | 7.4843% | 6,738 |
| Tier 1 risk-based capital ratio | 11.0185% | 6,499 |
| Total risk-based capital ratio | 12.2715% | 6,479 |
| Memoranda: | ||
| Average total assets | $223,886,000 | 2,836 |
| Average earning assets | $196,103,000 | 2,930 |
| Average equity | $27,179,000 | 2,358 |
| Average total loans | $126,181,000 | 3,132 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 4,876 |
| Cost of funding earning assets | 1.1670% | 4,755 |
| Net interest margin | 3.7628% | 4,095 |
| Noninterest income to average assets | 0.6268% | 3,305 |
| Noninterest expense to average assets | 3.0458% | 3,671 |
| Loan and lease loss provision to assets | 0.4061% | 3,676 |
| Net operating income to assets | 0.3030% | 4,929 |
| Return on assets (ROA) | 0.3948% | 4,708 |
| Pretax return on assets | 0.4815% | 4,686 |
| Return on Equity (ROE) | 2.8741% | 5,006 |
| Retained earnings to average equity (ytd only) | 2.8741% | 3,841 |
| Net charge-offs to loans | 0.2014% | 5,083 |
| Credit loss provision to net charge-offs | 315.1394% | 831 |
| Earnings coverage of net charge-offs (x) | 6.0199% | 2,461 |
| Efficiency ratio | 76.6120% | 2,948 |
| Assets per employee ($millions) | 4.1161% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7110% | 3,175 |
| Loan loss allowance to noncurrent loans | 150.2762% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 1.0011% | 4,999 |
| Noncurrent loans to loans | 1.1386% | 4,837 |
| Net loans and leases to total assets | 57.3000% | 5,140 |
| Net loans and leases to deposits | 67.3199% | 5,195 |
| Net loans and leases to core deposits | 81.6765% | 3,952 |
| Total domestic deposits to total assets | 85.1159% | 3,790 |
| Equity capital to assets | 12.3515% | 1,718 |
| Core capital (leverage) ratio | 7.6732% | 6,566 |
| Tier 1 risk-based capital ratio | 10.7266% | 6,547 |
| Total risk-based capital ratio | 11.9817% | 6,514 |
| Memoranda: | ||
| Average total assets | $194,795,000 | 3,166 |
| Average earning assets | $165,381,200 | 3,357 |
| Average equity | $26,755,800 | 2,391 |
| Average total loans | $124,642,200 | 3,221 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0794% | 4,431 |
| Cost of funding earning assets | 1.2375% | 4,642 |
| Net interest margin | 3.8418% | 3,788 |
| Noninterest income to average assets | 0.6188% | 3,324 |
| Noninterest expense to average assets | 3.1012% | 3,330 |
| Loan and lease loss provision to assets | 0.2999% | 4,175 |
| Net operating income to assets | 0.3565% | 4,944 |
| Return on assets (ROA) | 0.4558% | 4,702 |
| Pretax return on assets | 0.5708% | 4,689 |
| Return on Equity (ROE) | 3.2249% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.2249% | 4,171 |
| Net charge-offs to loans | 0.2763% | 4,287 |
| Credit loss provision to net charge-offs | 165.3696% | 2,268 |
| Earnings coverage of net charge-offs (x) | 4.1167% | 3,184 |
| Efficiency ratio | 77.4436% | 2,700 |
| Assets per employee ($millions) | 4.1536% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 4,474 |
| Loan loss allowance to noncurrent loans | 218.1378% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 5,627 |
| Noncurrent loans to loans | 0.6411% | 5,925 |
| Net loans and leases to total assets | 61.2456% | 4,676 |
| Net loans and leases to deposits | 73.3499% | 4,628 |
| Net loans and leases to core deposits | 89.6207% | 3,153 |
| Total domestic deposits to total assets | 83.4978% | 4,379 |
| Equity capital to assets | 13.0839% | 1,530 |
| Core capital (leverage) ratio | 8.3802% | 5,736 |
| Tier 1 risk-based capital ratio | 10.3659% | 6,852 |
| Total risk-based capital ratio | 11.6053% | 6,859 |
| Memoranda: | ||
| Average total assets | $188,955,750 | 3,287 |
| Average earning assets | $158,808,750 | 3,519 |
| Average equity | $26,708,500 | 2,438 |
| Average total loans | $124,008,500 | 3,282 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2016% | 3,950 |
| Cost of funding earning assets | 1.3145% | 4,449 |
| Net interest margin | 3.8871% | 3,508 |
| Noninterest income to average assets | 0.5681% | 3,559 |
| Noninterest expense to average assets | 3.1579% | 3,061 |
| Loan and lease loss provision to assets | 0.2955% | 4,026 |
| Net operating income to assets | 0.3022% | 5,179 |
| Return on assets (ROA) | 0.4203% | 4,815 |
| Pretax return on assets | 0.5035% | 4,890 |
| Return on Equity (ROE) | 2.8923% | 5,283 |
| Retained earnings to average equity (ytd only) | 2.8923% | 4,300 |
| Net charge-offs to loans | 0.2076% | 4,370 |
| Credit loss provision to net charge-offs | 212.5984% | 1,832 |
| Earnings coverage of net charge-offs (x) | 4.7244% | 2,866 |
| Efficiency ratio | 79.4835% | 2,506 |
| Assets per employee ($millions) | 3.7310% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 4,346 |
| Loan loss allowance to noncurrent loans | 120.0405% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 1.0294% | 5,077 |
| Noncurrent loans to loans | 1.1806% | 4,987 |
| Net loans and leases to total assets | 67.6903% | 3,458 |
| Net loans and leases to deposits | 82.7831% | 3,120 |
| Net loans and leases to core deposits | 105.2466% | 1,515 |
| Total domestic deposits to total assets | 81.7682% | 5,081 |
| Equity capital to assets | 14.5566% | 995 |
| Core capital (leverage) ratio | 8.4164% | 5,551 |
| Tier 1 risk-based capital ratio | 10.7596% | 6,477 |
| Total risk-based capital ratio | 12.0099% | 6,464 |
| Memoranda: | ||
| Average total assets | $182,713,670 | 3,402 |
| Average earning assets | $152,606,330 | 3,661 |
| Average equity | $26,553,670 | 2,446 |
| Average total loans | $122,344,670 | 3,357 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 4,085 |
| Cost of funding earning assets | 1.3210% | 4,682 |
| Net interest margin | 3.8681% | 3,469 |
| Noninterest income to average assets | 0.4949% | 4,089 |
| Noninterest expense to average assets | 3.1249% | 3,158 |
| Loan and lease loss provision to assets | 0.0876% | 5,762 |
| Net operating income to assets | 0.4117% | 4,790 |
| Return on assets (ROA) | 0.4117% | 4,933 |
| Pretax return on assets | 0.4949% | 4,976 |
| Return on Equity (ROE) | 2.8351% | 5,414 |
| Retained earnings to average equity (ytd only) | 2.8351% | 4,431 |
| Net charge-offs to loans | 0.0464% | 4,946 |
| Credit loss provision to net charge-offs | 285.7143% | 1,373 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,216 |
| Efficiency ratio | 80.9214% | 2,421 |
| Assets per employee ($millions) | 3.6211% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 4,593 |
| Loan loss allowance to noncurrent loans | 73.1192% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.4474% | 4,338 |
| Noncurrent loans to loans | 1.8681% | 3,969 |
| Net loans and leases to total assets | 64.9862% | 4,104 |
| Net loans and leases to deposits | 81.5728% | 3,360 |
| Net loans and leases to core deposits | 101.2059% | 2,006 |
| Total domestic deposits to total assets | 79.6666% | 5,895 |
| Equity capital to assets | 14.4670% | 1,014 |
| Core capital (leverage) ratio | 8.7181% | 4,990 |
| Tier 1 risk-based capital ratio | 10.9436% | 6,211 |
| Total risk-based capital ratio | 12.1780% | 6,204 |
| Memoranda: | ||
| Average total assets | $182,661,500 | 3,461 |
| Average earning assets | $151,703,500 | 3,730 |
| Average equity | $26,524,500 | 2,463 |
| Average total loans | $120,752,500 | 3,452 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5947% | 3,636 |
| Cost of funding earning assets | 1.6292% | 4,892 |
| Net interest margin | 3.9655% | 3,002 |
| Noninterest income to average assets | 0.5148% | 4,291 |
| Noninterest expense to average assets | 3.1599% | 3,513 |
| Loan and lease loss provision to assets | 0.6342% | 3,268 |
| Net operating income to assets | 0.0250% | 5,413 |
| Return on assets (ROA) | 0.2281% | 4,875 |
| Pretax return on assets | 0.2702% | 4,845 |
| Return on Equity (ROE) | 1.5170% | 5,083 |
| Retained earnings to average equity (ytd only) | 1.5170% | 4,010 |
| Net charge-offs to loans | 0.5143% | 3,720 |
| Credit loss provision to net charge-offs | 174.2188% | 2,420 |
| Earnings coverage of net charge-offs (x) | 1.8203% | 4,358 |
| Efficiency ratio | 79.3006% | 2,991 |
| Assets per employee ($millions) | 3.6129% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 4,409 |
| Loan loss allowance to noncurrent loans | 72.5499% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.5134% | 4,112 |
| Noncurrent loans to loans | 1.8818% | 3,826 |
| Net loans and leases to total assets | 65.4276% | 4,293 |
| Net loans and leases to deposits | 82.2264% | 3,587 |
| Net loans and leases to core deposits | 117.3901% | 2,191 |
| Total domestic deposits to total assets | 79.5701% | 5,824 |
| Equity capital to assets | 14.5765% | 1,005 |
| Core capital (leverage) ratio | 8.6980% | 4,927 |
| Tier 1 risk-based capital ratio | 10.8024% | 6,114 |
| Total risk-based capital ratio | 12.0245% | 6,109 |
| Memoranda: | ||
| Average total assets | $175,798,800 | 3,510 |
| Average earning assets | $146,640,000 | 3,771 |
| Average equity | $26,434,000 | 2,494 |
| Average total loans | $124,436,200 | 3,394 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6395% | 3,635 |
| Cost of funding earning assets | 1.6721% | 5,052 |
| Net interest margin | 3.9674% | 2,951 |
| Noninterest income to average assets | 0.4720% | 4,736 |
| Noninterest expense to average assets | 3.2136% | 3,258 |
| Loan and lease loss provision to assets | 0.8324% | 2,299 |
| Net operating income to assets | -0.1051% | 5,899 |
| Return on assets (ROA) | 0.0367% | 5,677 |
| Pretax return on assets | -0.0313% | 5,753 |
| Return on Equity (ROE) | 0.2419% | 5,706 |
| Retained earnings to average equity (ytd only) | 0.2419% | 5,099 |
| Net charge-offs to loans | 0.0181% | 6,663 |
| Credit loss provision to net charge-offs | 6,411.7647% | 60 |
| Earnings coverage of net charge-offs (x) | 44.6392% | 695 |
| Efficiency ratio | 81.2563% | 2,685 |
| Assets per employee ($millions) | 3.8597% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8644% | 2,122 |
| Loan loss allowance to noncurrent loans | 72.8874% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.9537% | 3,410 |
| Noncurrent loans to loans | 2.5579% | 2,952 |
| Net loans and leases to total assets | 64.8216% | 4,692 |
| Net loans and leases to deposits | 81.6301% | 4,091 |
| Net loans and leases to core deposits | 122.1260% | 2,060 |
| Total domestic deposits to total assets | 79.4089% | 5,654 |
| Equity capital to assets | 14.6513% | 1,105 |
| Core capital (leverage) ratio | 8.7093% | 5,109 |
| Tier 1 risk-based capital ratio | 10.7152% | 6,232 |
| Total risk-based capital ratio | 11.9712% | 6,199 |
| Memoranda: | ||
| Average total assets | $174,586,750 | 3,540 |
| Average earning assets | $146,155,750 | 3,794 |
| Average equity | $26,459,500 | 2,507 |
| Average total loans | $125,588,000 | 3,391 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8260% | 2,926 |
| Cost of funding earning assets | 1.6743% | 5,393 |
| Net interest margin | 4.1517% | 2,154 |
| Noninterest income to average assets | 0.4782% | 4,643 |
| Noninterest expense to average assets | 3.2174% | 3,281 |
| Loan and lease loss provision to assets | 1.2651% | 1,352 |
| Net operating income to assets | -0.2763% | 6,299 |
| Return on assets (ROA) | -0.0929% | 6,044 |
| Pretax return on assets | -0.2379% | 6,164 |
| Return on Equity (ROE) | -0.6056% | 6,015 |
| Retained earnings to average equity (ytd only) | -0.6056% | 5,377 |
| Net charge-offs to loans | 0.0251% | 6,131 |
| Credit loss provision to net charge-offs | 6,812.5000% | 72 |
| Earnings coverage of net charge-offs (x) | 39.8750% | 810 |
| Efficiency ratio | 77.9179% | 3,360 |
| Assets per employee ($millions) | 3.6813% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7513% | 2,176 |
| Loan loss allowance to noncurrent loans | 121.6658% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 1.5073% | 3,970 |
| Noncurrent loans to loans | 1.4394% | 4,339 |
| Net loans and leases to total assets | 72.4679% | 3,095 |
| Net loans and leases to deposits | 93.4641% | 2,180 |
| Net loans and leases to core deposits | 141.6928% | 944 |
| Total domestic deposits to total assets | 77.5355% | 6,194 |
| Equity capital to assets | 15.1329% | 1,004 |
| Core capital (leverage) ratio | 8.7430% | 5,016 |
| Tier 1 risk-based capital ratio | 10.2330% | 6,673 |
| Total risk-based capital ratio | 11.4859% | 6,599 |
| Memoranda: | ||
| Average total assets | $172,314,330 | 3,596 |
| Average earning assets | $144,422,670 | 3,852 |
| Average equity | $26,420,000 | 2,523 |
| Average total loans | $127,509,670 | 3,389 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8363% | 3,111 |
| Cost of funding earning assets | 1.6387% | 5,868 |
| Net interest margin | 4.1976% | 1,904 |
| Noninterest income to average assets | 0.4303% | 4,959 |
| Noninterest expense to average assets | 3.1030% | 3,365 |
| Loan and lease loss provision to assets | 0.9188% | 1,417 |
| Net operating income to assets | -0.0393% | 6,315 |
| Return on assets (ROA) | 0.3629% | 5,189 |
| Pretax return on assets | 0.5164% | 5,031 |
| Return on Equity (ROE) | 2.3513% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.3513% | 4,569 |
| Net charge-offs to loans | 0.0502% | 4,770 |
| Credit loss provision to net charge-offs | 2,468.7500% | 272 |
| Earnings coverage of net charge-offs (x) | 23.1250% | 1,287 |
| Efficiency ratio | 74.9413% | 3,673 |
| Assets per employee ($millions) | 3.8357% | 4,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 4,742 |
| Loan loss allowance to noncurrent loans | 81.7844% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.5382% | 3,630 |
| Noncurrent loans to loans | 1.4783% | 4,085 |
| Net loans and leases to total assets | 72.9046% | 3,030 |
| Net loans and leases to deposits | 94.8203% | 2,132 |
| Net loans and leases to core deposits | 127.9911% | 1,786 |
| Total domestic deposits to total assets | 76.8871% | 6,309 |
| Equity capital to assets | 15.3576% | 996 |
| Core capital (leverage) ratio | 9.0321% | 4,650 |
| Tier 1 risk-based capital ratio | 10.5746% | 6,315 |
| Total risk-based capital ratio | 11.7018% | 6,353 |
| Memoranda: | ||
| Average total assets | $171,961,500 | 3,621 |
| Average earning assets | $144,749,500 | 3,861 |
| Average equity | $26,538,500 | 2,524 |
| Average total loans | $127,455,000 | 3,419 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9878% | 7,842 |
| Cost of funding earning assets | 1.9824% | 6,467 |
| Net interest margin | 3.0054% | 6,900 |
| Noninterest income to average assets | 0.3685% | 5,754 |
| Noninterest expense to average assets | 2.4869% | 6,061 |
| Loan and lease loss provision to assets | 0.0543% | 6,736 |
| Net operating income to assets | 0.2725% | 5,637 |
| Return on assets (ROA) | 0.2901% | 5,386 |
| Pretax return on assets | 0.4451% | 5,138 |
| Return on Equity (ROE) | 2.0253% | 5,614 |
| Retained earnings to average equity (ytd only) | 2.0253% | 3,971 |
| Net charge-offs to loans | 0.0192% | 6,591 |
| Credit loss provision to net charge-offs | 391.3043% | 1,132 |
| Earnings coverage of net charge-offs (x) | 34.0435% | 1,066 |
| Efficiency ratio | 81.0640% | 2,436 |
| Assets per employee ($millions) | 3.8936% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 6,619 |
| Loan loss allowance to noncurrent loans | 60.0000% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 1.5211% | 3,174 |
| Noncurrent loans to loans | 1.5173% | 3,514 |
| Net loans and leases to total assets | 73.7646% | 3,165 |
| Net loans and leases to deposits | 100.7896% | 1,742 |
| Net loans and leases to core deposits | 136.5224% | 1,461 |
| Total domestic deposits to total assets | 73.1867% | 6,796 |
| Equity capital to assets | 15.5086% | 1,045 |
| Core capital (leverage) ratio | 9.2538% | 4,364 |
| Tier 1 risk-based capital ratio | 10.4085% | 6,305 |
| Total risk-based capital ratio | 11.2569% | 6,611 |
| Memoranda: | ||
| Average total assets | $165,791,800 | 3,617 |
| Average earning assets | $142,909,000 | 3,787 |
| Average equity | $23,749,600 | 2,757 |
| Average total loans | $119,494,800 | 3,473 |