Home > Luana Savings Bank > Performance and Condition Ratios
Luana Savings 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 | 3.7782% | 4,203 |
| Cost of funding earning assets | 1.6873% | 1,475 |
| Net interest margin | 2.0909% | 4,379 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 0.9215% | 4,507 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.1294% | 1,834 |
| Return on assets (ROA) | 1.1308% | 1,809 |
| Pretax return on assets | 1.2243% | 2,078 |
| Return on Equity (ROE) | 13.1600% | 1,685 |
| Retained earnings to average equity (ytd only) | -1.7542% | 4,253 |
| Net charge-offs to loans | 0.0004% | 2,894 |
| Credit loss provision to net charge-offs | 5,333.3333% | 102 |
| Earnings coverage of net charge-offs (x) | 4,237.0000% | 20 |
| Efficiency ratio | 42.5738% | 4,302 |
| Assets per employee ($millions) | 22.3842% | 80 |
| Cash dividends to net income (ytd only)* | 113.3253% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 3,266 |
| Loan loss allowance to noncurrent loans | 9,262.5000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 3,729 |
| Noncurrent loans to loans | 0.0109% | 3,678 |
| Net loans and leases to total assets | 76.9300% | 983 |
| Net loans and leases to deposits | 87.2396% | 1,512 |
| Net loans and leases to core deposits | 180.7127% | 101 |
| Total domestic deposits to total assets | 88.1800% | 1,291 |
| Equity capital to assets | 8.8742% | 2,768 |
| Core capital (leverage) ratio | 9.9808% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,045,306,600 | 562 |
| Average earning assets | $1,986,203,800 | 523 |
| Average equity | $175,697,200 | 602 |
| Average total loans | $1,589,441,400 | 494 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7211% | 4,190 |
| Cost of funding earning assets | 1.5702% | 1,437 |
| Net interest margin | 2.1509% | 4,382 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 0.8641% | 4,533 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.2243% | 1,719 |
| Return on assets (ROA) | 1.2262% | 1,709 |
| Pretax return on assets | 1.3414% | 1,924 |
| Return on Equity (ROE) | 14.4000% | 1,565 |
| Retained earnings to average equity (ytd only) | -3.7746% | 4,391 |
| Net charge-offs to loans | 0.0024% | 2,466 |
| Credit loss provision to net charge-offs | 596.4286% | 561 |
| Earnings coverage of net charge-offs (x) | 736.4286% | 215 |
| Efficiency ratio | 39.0248% | 4,381 |
| Assets per employee ($millions) | 21.2424% | 85 |
| Cash dividends to net income (ytd only)* | 126.2188% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 3,303 |
| Loan loss allowance to noncurrent loans | 9,111.2994% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 3,768 |
| Noncurrent loans to loans | 0.0111% | 3,717 |
| Net loans and leases to total assets | 78.1300% | 865 |
| Net loans and leases to deposits | 88.8576% | 1,316 |
| Net loans and leases to core deposits | 197.4776% | 42 |
| Total domestic deposits to total assets | 87.9200% | 1,604 |
| Equity capital to assets | 8.0425% | 3,026 |
| Core capital (leverage) ratio | 10.0382% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,036,199,750 | 565 |
| Average earning assets | $1,976,453,250 | 526 |
| Average equity | $173,437,250 | 601 |
| Average total loans | $1,582,351,750 | 500 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 4,190 |
| Cost of funding earning assets | 1.4531% | 1,330 |
| Net interest margin | 2.2006% | 4,427 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 0.8595% | 4,570 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.2476% | 1,699 |
| Return on assets (ROA) | 1.2476% | 1,694 |
| Pretax return on assets | 1.3888% | 1,844 |
| Return on Equity (ROE) | 14.3800% | 1,601 |
| Retained earnings to average equity (ytd only) | -4.8603% | 4,416 |
| Net charge-offs to loans | 0.0022% | 2,289 |
| Credit loss provision to net charge-offs | 482.3529% | 664 |
| Earnings coverage of net charge-offs (x) | 839.0000% | 177 |
| Efficiency ratio | 38.0946% | 4,432 |
| Assets per employee ($millions) | 20.8935% | 87 |
| Cash dividends to net income (ytd only)* | 133.7912% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 3,355 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 3,883 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 77.1300% | 924 |
| Net loans and leases to deposits | 87.7011% | 1,367 |
| Net loans and leases to core deposits | 207.4163% | 34 |
| Total domestic deposits to total assets | 87.9400% | 1,623 |
| Equity capital to assets | 8.7176% | 2,707 |
| Core capital (leverage) ratio | 10.0541% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,042,255,667 | 553 |
| Average earning assets | $1,982,637,000 | 518 |
| Average equity | $177,149,667 | 584 |
| Average total loans | $1,578,897,333 | 489 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5920% | 4,162 |
| Cost of funding earning assets | 1.3478% | 1,138 |
| Net interest margin | 2.2442% | 4,477 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 0.7988% | 4,645 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4265% | 1,336 |
| Return on assets (ROA) | 1.4265% | 1,310 |
| Pretax return on assets | 1.4883% | 1,696 |
| Return on Equity (ROE) | 16.4800% | 1,265 |
| Retained earnings to average equity (ytd only) | -5.6984% | 4,356 |
| Net charge-offs to loans | -0.0003% | 3,259 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 34.9258% | 4,558 |
| Assets per employee ($millions) | 21.0535% | 88 |
| Cash dividends to net income (ytd only)* | 134.5780% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,495 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 3,904 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 75.8500% | 987 |
| Net loans and leases to deposits | 89.1791% | 1,119 |
| Net loans and leases to core deposits | 221.2998% | 26 |
| Total domestic deposits to total assets | 85.0600% | 2,844 |
| Equity capital to assets | 8.8682% | 2,613 |
| Core capital (leverage) ratio | 10.0895% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2087% | 1,904 |
| Memoranda: | ||
| Average total assets | $2,050,090,500 | 565 |
| Average earning assets | $1,989,623,500 | 524 |
| Average equity | $177,452,000 | 593 |
| Average total loans | $1,578,764,500 | 498 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4069% | 3,327 |
| Cost of funding earning assets | 0.7172% | 542 |
| Net interest margin | 2.6897% | 4,071 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 0.9265% | 4,653 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.7231% | 517 |
| Return on assets (ROA) | 1.7261% | 485 |
| Pretax return on assets | 1.7717% | 782 |
| Return on Equity (ROE) | 19.0900% | 564 |
| Retained earnings to average equity (ytd only) | -2.0977% | 4,483 |
| Net charge-offs to loans | -0.0016% | 3,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 33.5479% | 4,627 |
| Assets per employee ($millions) | 20.7851% | 89 |
| Cash dividends to net income (ytd only)* | 110.9880% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 3,318 |
| Loan loss allowance to noncurrent loans | 8,325.1309% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,775 |
| Noncurrent loans to loans | 0.0121% | 3,749 |
| Net loans and leases to total assets | 76.6200% | 949 |
| Net loans and leases to deposits | 90.0291% | 1,051 |
| Net loans and leases to core deposits | 237.0590% | 20 |
| Total domestic deposits to total assets | 85.1000% | 2,969 |
| Equity capital to assets | 8.4407% | 2,749 |
| Core capital (leverage) ratio | 9.9445% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7577% | 2,070 |
| Memoranda: | ||
| Average total assets | $1,991,421,800 | 553 |
| Average earning assets | $1,935,469,800 | 519 |
| Average equity | $180,058,200 | 574 |
| Average total loans | $1,537,741,000 | 464 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3489% | 3,053 |
| Cost of funding earning assets | 0.6136% | 404 |
| Net interest margin | 2.7353% | 3,862 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 0.8191% | 4,698 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.8285% | 404 |
| Return on assets (ROA) | 1.8285% | 395 |
| Pretax return on assets | 1.8708% | 631 |
| Return on Equity (ROE) | 19.6700% | 461 |
| Retained earnings to average equity (ytd only) | -4.5095% | 4,589 |
| Net charge-offs to loans | -0.0021% | 3,276 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 29.4728% | 4,693 |
| Assets per employee ($millions) | 20.2672% | 100 |
| Cash dividends to net income (ytd only)* | 122.9248% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,484 |
| Loan loss allowance to noncurrent loans | 540.0815% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 2,580 |
| Noncurrent loans to loans | 0.1851% | 2,659 |
| Net loans and leases to total assets | 78.4800% | 667 |
| Net loans and leases to deposits | 89.4680% | 928 |
| Net loans and leases to core deposits | 248.4585% | 20 |
| Total domestic deposits to total assets | 87.7100% | 2,517 |
| Equity capital to assets | 8.2005% | 2,760 |
| Core capital (leverage) ratio | 9.7973% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7219% | 2,162 |
| Memoranda: | ||
| Average total assets | $1,980,043,000 | 554 |
| Average earning assets | $1,925,236,250 | 523 |
| Average equity | $184,049,250 | 573 |
| Average total loans | $1,528,037,500 | 467 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2674% | 2,848 |
| Cost of funding earning assets | 0.5299% | 440 |
| Net interest margin | 2.7374% | 3,617 |
| Noninterest income to average assets | 0.1517% | 4,256 |
| Noninterest expense to average assets | 0.7738% | 4,726 |
| Loan and lease loss provision to assets | 0.0942% | 1,058 |
| Net operating income to assets | 1.9104% | 266 |
| Return on assets (ROA) | 1.9104% | 266 |
| Pretax return on assets | 1.9457% | 429 |
| Return on Equity (ROE) | 19.7625% | 324 |
| Retained earnings to average equity (ytd only) | 9.5574% | 1,128 |
| Net charge-offs to loans | -0.0029% | 3,199 |
| Credit loss provision to net charge-offs | -4,218.1818% | 3,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.5025% | 4,728 |
| Assets per employee ($millions) | 20.5662% | 95 |
| Cash dividends to net income (ytd only)* | 51.6384% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 3,614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 77.3028% | 615 |
| Net loans and leases to deposits | 87.4272% | 881 |
| Net loans and leases to core deposits | 269.0912% | 20 |
| Total domestic deposits to total assets | 88.4197% | 2,418 |
| Equity capital to assets | 9.2576% | 2,198 |
| Core capital (leverage) ratio | 10.2295% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2187% | 1,970 |
| Memoranda: | ||
| Average total assets | $1,971,240,667 | 552 |
| Average earning assets | $1,916,897,667 | 527 |
| Average equity | $190,553,000 | 562 |
| Average total loans | $1,507,223,000 | 467 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1922% | 2,713 |
| Cost of funding earning assets | 0.5011% | 492 |
| Net interest margin | 2.6911% | 3,425 |
| Noninterest income to average assets | 0.1262% | 4,376 |
| Noninterest expense to average assets | 0.7329% | 4,760 |
| Loan and lease loss provision to assets | 0.1019% | 816 |
| Net operating income to assets | 1.8947% | 277 |
| Return on assets (ROA) | 1.8947% | 276 |
| Pretax return on assets | 1.9085% | 437 |
| Return on Equity (ROE) | 19.1866% | 267 |
| Retained earnings to average equity (ytd only) | 10.2021% | 973 |
| Net charge-offs to loans | -0.0057% | 3,378 |
| Credit loss provision to net charge-offs | -2,376.1905% | 3,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.7153% | 4,760 |
| Assets per employee ($millions) | 20.3448% | 97 |
| Cash dividends to net income (ytd only)* | 46.8269% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 3,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 4,030 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 76.6487% | 465 |
| Net loans and leases to deposits | 85.7661% | 758 |
| Net loans and leases to core deposits | 155.6806% | 38 |
| Total domestic deposits to total assets | 89.3695% | 1,889 |
| Equity capital to assets | 9.6583% | 2,171 |
| Core capital (leverage) ratio | 10.0409% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1095% | 2,157 |
| Memoranda: | ||
| Average total assets | $1,959,399,500 | 557 |
| Average earning assets | $1,905,532,000 | 534 |
| Average equity | $193,489,000 | 567 |
| Average total loans | $1,482,018,500 | 468 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2858% | 3,252 |
| Cost of funding earning assets | 0.8428% | 160 |
| Net interest margin | 2.4430% | 4,265 |
| Noninterest income to average assets | 0.6301% | 2,025 |
| Noninterest expense to average assets | 1.6840% | 4,317 |
| Loan and lease loss provision to assets | 0.0284% | 2,491 |
| Net operating income to assets | 1.2190% | 1,860 |
| Return on assets (ROA) | 1.2190% | 1,908 |
| Pretax return on assets | 1.2884% | 2,395 |
| Return on Equity (ROE) | 12.4787% | 1,660 |
| Retained earnings to average equity (ytd only) | 4.1615% | 3,162 |
| Net charge-offs to loans | -0.0004% | 3,214 |
| Credit loss provision to net charge-offs | -10,900.0000% | 4,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1188% | 3,695 |
| Assets per employee ($millions) | 20.0582% | 99 |
| Cash dividends to net income (ytd only)* | 66.6510% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 3,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 4,112 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 73.1237% | 736 |
| Net loans and leases to deposits | 81.5307% | 1,098 |
| Net loans and leases to core deposits | 152.3361% | 50 |
| Total domestic deposits to total assets | 89.6886% | 1,117 |
| Equity capital to assets | 10.0901% | 2,569 |
| Core capital (leverage) ratio | 9.8988% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0882% | 2,206 |
| Memoranda: | ||
| Average total assets | $1,921,726,800 | 558 |
| Average earning assets | $1,864,825,600 | 528 |
| Average equity | $187,719,400 | 576 |
| Average total loans | $1,413,818,800 | 487 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3252% | 3,324 |
| Cost of funding earning assets | 0.9435% | 110 |
| Net interest margin | 2.3817% | 4,417 |
| Noninterest income to average assets | 0.6520% | 2,001 |
| Noninterest expense to average assets | 1.8045% | 4,160 |
| Loan and lease loss provision to assets | 0.0241% | 2,513 |
| Net operating income to assets | 1.0625% | 2,679 |
| Return on assets (ROA) | 1.0625% | 2,748 |
| Pretax return on assets | 1.1325% | 3,130 |
| Return on Equity (ROE) | 10.9696% | 2,377 |
| Retained earnings to average equity (ytd only) | 1.2277% | 4,367 |
| Net charge-offs to loans | -0.0004% | 3,074 |
| Credit loss provision to net charge-offs | -8,650.0000% | 4,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9403% | 2,846 |
| Assets per employee ($millions) | 19.7926% | 106 |
| Cash dividends to net income (ytd only)* | 88.8086% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,849 |
| Loan loss allowance to noncurrent loans | 4,283.5821% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 4,027 |
| Noncurrent loans to loans | 0.0233% | 4,031 |
| Net loans and leases to total assets | 73.2824% | 748 |
| Net loans and leases to deposits | 81.6397% | 1,145 |
| Net loans and leases to core deposits | 158.7225% | 52 |
| Total domestic deposits to total assets | 89.7632% | 884 |
| Equity capital to assets | 9.9897% | 2,911 |
| Core capital (leverage) ratio | 9.4200% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7202% | 2,465 |
| Memoranda: | ||
| Average total assets | $1,910,733,500 | 563 |
| Average earning assets | $1,852,448,000 | 535 |
| Average equity | $185,063,750 | 591 |
| Average total loans | $1,404,288,000 | 496 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3805% | 3,229 |
| Cost of funding earning assets | 1.1224% | 65 |
| Net interest margin | 2.2582% | 4,558 |
| Noninterest income to average assets | 0.7814% | 1,583 |
| Noninterest expense to average assets | 2.2661% | 2,864 |
| Loan and lease loss provision to assets | 0.0076% | 2,762 |
| Net operating income to assets | 0.6237% | 3,931 |
| Return on assets (ROA) | 0.6237% | 3,989 |
| Pretax return on assets | 0.6943% | 4,077 |
| Return on Equity (ROE) | 6.5096% | 3,779 |
| Retained earnings to average equity (ytd only) | -4.6365% | 4,783 |
| Net charge-offs to loans | -0.0004% | 3,037 |
| Credit loss provision to net charge-offs | -2,400.0000% | 3,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3505% | 1,051 |
| Assets per employee ($millions) | 19.0308% | 113 |
| Cash dividends to net income (ytd only)* | 171.2262% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,826 |
| Loan loss allowance to noncurrent loans | 4,201.4925% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 4,103 |
| Noncurrent loans to loans | 0.0238% | 4,100 |
| Net loans and leases to total assets | 73.2311% | 834 |
| Net loans and leases to deposits | 81.5183% | 1,271 |
| Net loans and leases to core deposits | 195.1845% | 39 |
| Total domestic deposits to total assets | 89.8339% | 852 |
| Equity capital to assets | 9.9327% | 2,908 |
| Core capital (leverage) ratio | 9.1759% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7292% | 2,465 |
| Memoranda: | ||
| Average total assets | $1,901,087,333 | 557 |
| Average earning assets | $1,840,767,333 | 532 |
| Average equity | $182,162,667 | 596 |
| Average total loans | $1,393,788,000 | 502 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4016% | 3,192 |
| Cost of funding earning assets | 1.1588% | 67 |
| Net interest margin | 2.2428% | 4,576 |
| Noninterest income to average assets | 0.8336% | 1,504 |
| Noninterest expense to average assets | 0.8810% | 4,927 |
| Loan and lease loss provision to assets | 0.0101% | 2,644 |
| Net operating income to assets | 2.0386% | 543 |
| Return on assets (ROA) | 2.0386% | 585 |
| Pretax return on assets | 2.1085% | 798 |
| Return on Equity (ROE) | 21.6729% | 421 |
| Retained earnings to average equity (ytd only) | 11.5750% | 1,256 |
| Net charge-offs to loans | -0.0006% | 3,018 |
| Credit loss provision to net charge-offs | -2,400.0000% | 3,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.3705% | 4,912 |
| Assets per employee ($millions) | 19.1326% | 110 |
| Cash dividends to net income (ytd only)* | 46.5923% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 3,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 4,352 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 71.7347% | 1,064 |
| Net loans and leases to deposits | 100.1770% | 281 |
| Net loans and leases to core deposits | 289.3787% | 20 |
| Total domestic deposits to total assets | 71.6080% | 4,728 |
| Equity capital to assets | 9.3276% | 3,359 |
| Core capital (leverage) ratio | 9.0204% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4425% | 2,515 |
| Memoranda: | ||
| Average total assets | $1,900,093,500 | 554 |
| Average earning assets | $1,835,017,500 | 530 |
| Average equity | $178,730,500 | 600 |
| Average total loans | $1,386,823,000 | 507 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8881% | 3,062 |
| Cost of funding earning assets | 1.4908% | 86 |
| Net interest margin | 2.3973% | 4,658 |
| Noninterest income to average assets | 0.7088% | 1,838 |
| Noninterest expense to average assets | 1.1571% | 4,911 |
| Loan and lease loss provision to assets | 0.1083% | 2,990 |
| Net operating income to assets | 1.6592% | 559 |
| Return on assets (ROA) | 1.6592% | 601 |
| Pretax return on assets | 1.7396% | 784 |
| Return on Equity (ROE) | 18.2021% | 320 |
| Retained earnings to average equity (ytd only) | 11.9871% | 313 |
| Net charge-offs to loans | 0.0021% | 3,331 |
| Credit loss provision to net charge-offs | 6,766.6667% | 163 |
| Earnings coverage of net charge-offs (x) | 1,154.4444% | 96 |
| Efficiency ratio | 38.5062% | 4,896 |
| Assets per employee ($millions) | 19.0591% | 106 |
| Cash dividends to net income (ytd only)* | 34.1444% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,801 |
| Loan loss allowance to noncurrent loans | 12,068.9655% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,404 |
| Noncurrent loans to loans | 0.0084% | 4,348 |
| Net loans and leases to total assets | 72.7810% | 1,191 |
| Net loans and leases to deposits | 102.7721% | 291 |
| Net loans and leases to core deposits | 324.1576% | 19 |
| Total domestic deposits to total assets | 70.8179% | 4,756 |
| Equity capital to assets | 9.4880% | 3,621 |
| Core capital (leverage) ratio | 9.3465% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1902% | 2,557 |
| Memoranda: | ||
| Average total assets | $1,686,770,000 | 561 |
| Average earning assets | $1,615,664,800 | 536 |
| Average equity | $153,757,200 | 656 |
| Average total loans | $1,307,686,400 | 507 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 3,008 |
| Cost of funding earning assets | 1.5928% | 78 |
| Net interest margin | 2.3943% | 4,725 |
| Noninterest income to average assets | 0.8483% | 1,355 |
| Noninterest expense to average assets | 1.0414% | 4,965 |
| Loan and lease loss provision to assets | 0.1043% | 3,014 |
| Net operating income to assets | 1.9077% | 369 |
| Return on assets (ROA) | 1.9077% | 400 |
| Pretax return on assets | 1.9910% | 527 |
| Return on Equity (ROE) | 21.1743% | 199 |
| Retained earnings to average equity (ytd only) | 12.8090% | 348 |
| Net charge-offs to loans | 0.0035% | 3,044 |
| Credit loss provision to net charge-offs | 3,776.4706% | 283 |
| Earnings coverage of net charge-offs (x) | 758.7353% | 159 |
| Efficiency ratio | 33.1995% | 4,977 |
| Assets per employee ($millions) | 18.5060% | 102 |
| Cash dividends to net income (ytd only)* | 39.5070% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,707 |
| Loan loss allowance to noncurrent loans | 15,639.5349% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,476 |
| Noncurrent loans to loans | 0.0064% | 4,428 |
| Net loans and leases to total assets | 76.5890% | 1,020 |
| Net loans and leases to deposits | 114.2859% | 168 |
| Net loans and leases to core deposits | 297.4258% | 21 |
| Total domestic deposits to total assets | 67.0153% | 4,829 |
| Equity capital to assets | 9.8259% | 3,400 |
| Core capital (leverage) ratio | 9.4819% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1066% | 2,572 |
| Memoranda: | ||
| Average total assets | $1,641,515,000 | 562 |
| Average earning assets | $1,568,902,750 | 541 |
| Average equity | $147,892,750 | 675 |
| Average total loans | $1,291,258,750 | 508 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1294% | 2,972 |
| Cost of funding earning assets | 1.7031% | 77 |
| Net interest margin | 2.4262% | 4,779 |
| Noninterest income to average assets | 0.6319% | 2,007 |
| Noninterest expense to average assets | 1.0043% | 5,006 |
| Loan and lease loss provision to assets | 0.1288% | 2,736 |
| Net operating income to assets | 1.7326% | 582 |
| Return on assets (ROA) | 1.7326% | 635 |
| Pretax return on assets | 1.8146% | 790 |
| Return on Equity (ROE) | 19.8795% | 252 |
| Retained earnings to average equity (ytd only) | 16.2251% | 162 |
| Net charge-offs to loans | 0.0057% | 2,761 |
| Credit loss provision to net charge-offs | 2,877.7778% | 373 |
| Earnings coverage of net charge-offs (x) | 434.2500% | 229 |
| Efficiency ratio | 34.0714% | 4,993 |
| Assets per employee ($millions) | 19.2315% | 88 |
| Cash dividends to net income (ytd only)* | 18.3827% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 3,547 |
| Loan loss allowance to noncurrent loans | 660,000.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 4,583 |
| Noncurrent loans to loans | 0.0002% | 4,536 |
| Net loans and leases to total assets | 75.9596% | 1,146 |
| Net loans and leases to deposits | 114.2065% | 155 |
| Net loans and leases to core deposits | 333.7636% | 17 |
| Total domestic deposits to total assets | 66.5107% | 4,877 |
| Equity capital to assets | 8.9362% | 4,145 |
| Core capital (leverage) ratio | 8.6838% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2064% | 2,915 |
| Memoranda: | ||
| Average total assets | $1,608,833,000 | 560 |
| Average earning assets | $1,535,637,667 | 541 |
| Average equity | $140,214,667 | 698 |
| Average total loans | $1,273,090,667 | 507 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 2,931 |
| Cost of funding earning assets | 1.7993% | 86 |
| Net interest margin | 2.4985% | 4,829 |
| Noninterest income to average assets | 0.2561% | 4,008 |
| Noninterest expense to average assets | 0.9277% | 5,069 |
| Loan and lease loss provision to assets | 0.1698% | 1,729 |
| Net operating income to assets | 1.4534% | 874 |
| Return on assets (ROA) | 1.4534% | 945 |
| Pretax return on assets | 1.5382% | 1,214 |
| Return on Equity (ROE) | 16.9120% | 346 |
| Retained earnings to average equity (ytd only) | 9.7515% | 791 |
| Net charge-offs to loans | 0.0035% | 2,459 |
| Credit loss provision to net charge-offs | 6,009.0909% | 125 |
| Earnings coverage of net charge-offs (x) | 604.5455% | 97 |
| Efficiency ratio | 35.1978% | 5,031 |
| Assets per employee ($millions) | 18.5061% | 80 |
| Cash dividends to net income (ytd only)* | 42.3396% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,714 |
| Loan loss allowance to noncurrent loans | 13,526.3158% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 4,589 |
| Noncurrent loans to loans | 0.0074% | 4,547 |
| Net loans and leases to total assets | 79.9080% | 706 |
| Net loans and leases to deposits | 123.2496% | 68 |
| Net loans and leases to core deposits | 396.7384% | 13 |
| Total domestic deposits to total assets | 64.8343% | 4,979 |
| Equity capital to assets | 8.7196% | 4,724 |
| Core capital (leverage) ratio | 8.5431% | 4,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2611% | 3,284 |
| Memoranda: | ||
| Average total assets | $1,557,448,000 | 555 |
| Average earning assets | $1,483,265,500 | 533 |
| Average equity | $133,845,500 | 727 |
| Average total loans | $1,252,973,000 | 494 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5148% | 2,890 |
| Cost of funding earning assets | 1.9507% | 76 |
| Net interest margin | 2.5641% | 4,934 |
| Noninterest income to average assets | 0.2580% | 4,130 |
| Noninterest expense to average assets | 1.0236% | 5,117 |
| Loan and lease loss provision to assets | 0.1304% | 1,639 |
| Net operating income to assets | 1.4404% | 1,216 |
| Return on assets (ROA) | 1.4396% | 1,283 |
| Pretax return on assets | 1.5348% | 1,699 |
| Return on Equity (ROE) | 16.7084% | 454 |
| Retained earnings to average equity (ytd only) | 12.0472% | 237 |
| Net charge-offs to loans | -0.0004% | 4,139 |
| Credit loss provision to net charge-offs | -44,900.0000% | 4,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0559% | 5,090 |
| Assets per employee ($millions) | 18.3538% | 75 |
| Cash dividends to net income (ytd only)* | 27.8969% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,523 |
| Loan loss allowance to noncurrent loans | 7,577.6398% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 4,615 |
| Noncurrent loans to loans | 0.0132% | 4,530 |
| Net loans and leases to total assets | 79.3727% | 878 |
| Net loans and leases to deposits | 124.3153% | 62 |
| Net loans and leases to core deposits | 423.3102% | 14 |
| Total domestic deposits to total assets | 63.8479% | 5,053 |
| Equity capital to assets | 8.4626% | 4,924 |
| Core capital (leverage) ratio | 8.0767% | 5,017 |
| Tier 1 risk-based capital ratio | 10.1472% | 5,100 |
| Total risk-based capital ratio | 11.1762% | 5,093 |
| Memoranda: | ||
| Average total assets | $1,376,964,600 | 592 |
| Average earning assets | $1,305,797,400 | 572 |
| Average equity | $118,641,200 | 771 |
| Average total loans | $1,092,909,600 | 532 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5283% | 2,966 |
| Cost of funding earning assets | 1.9358% | 81 |
| Net interest margin | 2.5925% | 5,008 |
| Noninterest income to average assets | 0.4070% | 3,268 |
| Noninterest expense to average assets | 0.9257% | 5,210 |
| Loan and lease loss provision to assets | 0.1489% | 1,276 |
| Net operating income to assets | 1.7083% | 730 |
| Return on assets (ROA) | 1.7083% | 770 |
| Pretax return on assets | 1.7889% | 1,121 |
| Return on Equity (ROE) | 19.7263% | 269 |
| Retained earnings to average equity (ytd only) | 13.4729% | 235 |
| Net charge-offs to loans | -0.0004% | 3,963 |
| Credit loss provision to net charge-offs | -49,900.0000% | 4,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.3271% | 5,202 |
| Assets per employee ($millions) | 19.4360% | 63 |
| Cash dividends to net income (ytd only)* | 31.7009% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 3,567 |
| Loan loss allowance to noncurrent loans | 5,534.8837% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 4,428 |
| Noncurrent loans to loans | 0.0181% | 4,595 |
| Net loans and leases to total assets | 78.6627% | 1,038 |
| Net loans and leases to deposits | 124.7557% | 69 |
| Net loans and leases to core deposits | 416.8541% | 13 |
| Total domestic deposits to total assets | 63.0534% | 5,142 |
| Equity capital to assets | 8.4670% | 5,019 |
| Core capital (leverage) ratio | 8.1442% | 5,077 |
| Tier 1 risk-based capital ratio | 10.1416% | 5,167 |
| Total risk-based capital ratio | 11.1667% | 5,158 |
| Memoranda: | ||
| Average total assets | $1,340,363,500 | 606 |
| Average earning assets | $1,270,058,750 | 587 |
| Average equity | $116,072,500 | 785 |
| Average total loans | $1,060,802,250 | 542 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 2,984 |
| Cost of funding earning assets | 1.8830% | 92 |
| Net interest margin | 2.6268% | 5,056 |
| Noninterest income to average assets | 0.3092% | 3,858 |
| Noninterest expense to average assets | 0.9260% | 5,260 |
| Loan and lease loss provision to assets | 0.0776% | 2,259 |
| Net operating income to assets | 1.7080% | 716 |
| Return on assets (ROA) | 1.7080% | 745 |
| Pretax return on assets | 1.7935% | 1,048 |
| Return on Equity (ROE) | 19.5548% | 283 |
| Retained earnings to average equity (ytd only) | 13.0531% | 295 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.1058% | 5,244 |
| Assets per employee ($millions) | 18.7785% | 59 |
| Cash dividends to net income (ytd only)* | 33.2485% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,591 |
| Loan loss allowance to noncurrent loans | 5,046.2963% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 4,444 |
| Noncurrent loans to loans | 0.0199% | 4,626 |
| Net loans and leases to total assets | 78.3563% | 1,155 |
| Net loans and leases to deposits | 121.5790% | 74 |
| Net loans and leases to core deposits | 396.1675% | 13 |
| Total domestic deposits to total assets | 64.4488% | 5,163 |
| Equity capital to assets | 8.6791% | 4,967 |
| Core capital (leverage) ratio | 8.5495% | 4,945 |
| Tier 1 risk-based capital ratio | 10.3719% | 5,149 |
| Total risk-based capital ratio | 11.3845% | 5,139 |
| Memoranda: | ||
| Average total assets | $1,288,293,330 | 623 |
| Average earning assets | $1,220,192,000 | 604 |
| Average equity | $112,525,000 | 800 |
| Average total loans | $1,018,021,000 | 562 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 2,843 |
| Cost of funding earning assets | 1.8636% | 82 |
| Net interest margin | 2.6431% | 5,109 |
| Noninterest income to average assets | 0.2560% | 4,178 |
| Noninterest expense to average assets | 0.9228% | 5,328 |
| Loan and lease loss provision to assets | 0.0478% | 2,692 |
| Net operating income to assets | 1.7033% | 723 |
| Return on assets (ROA) | 1.7033% | 751 |
| Pretax return on assets | 1.7867% | 1,006 |
| Return on Equity (ROE) | 19.4328% | 296 |
| Retained earnings to average equity (ytd only) | 11.8098% | 646 |
| Net charge-offs to loans | -0.0004% | 3,788 |
| Credit loss provision to net charge-offs | -14,900.0000% | 4,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4691% | 5,299 |
| Assets per employee ($millions) | 17.9257% | 65 |
| Cash dividends to net income (ytd only)* | 39.2279% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,516 |
| Loan loss allowance to noncurrent loans | 36,379.3103% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 4,578 |
| Noncurrent loans to loans | 0.0028% | 4,796 |
| Net loans and leases to total assets | 77.3381% | 1,268 |
| Net loans and leases to deposits | 112.2565% | 173 |
| Net loans and leases to core deposits | 348.2331% | 18 |
| Total domestic deposits to total assets | 68.8941% | 5,146 |
| Equity capital to assets | 8.6097% | 4,920 |
| Core capital (leverage) ratio | 8.7051% | 4,864 |
| Tier 1 risk-based capital ratio | 10.6430% | 5,135 |
| Total risk-based capital ratio | 11.6872% | 5,109 |
| Memoranda: | ||
| Average total assets | $1,247,026,500 | 643 |
| Average earning assets | $1,180,112,500 | 622 |
| Average equity | $109,299,500 | 820 |
| Average total loans | $984,517,000 | 585 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4106% | 2,726 |
| Cost of funding earning assets | 1.4228% | 127 |
| Net interest margin | 2.9879% | 4,812 |
| Noninterest income to average assets | 0.3250% | 3,927 |
| Noninterest expense to average assets | 1.0999% | 5,338 |
| Loan and lease loss provision to assets | 0.0825% | 2,477 |
| Net operating income to assets | 1.8851% | 466 |
| Return on assets (ROA) | 1.8830% | 464 |
| Pretax return on assets | 1.9718% | 594 |
| Return on Equity (ROE) | 20.5088% | 226 |
| Retained earnings to average equity (ytd only) | 11.0256% | 433 |
| Net charge-offs to loans | 0.0037% | 3,599 |
| Credit loss provision to net charge-offs | 2,756.2500% | 178 |
| Earnings coverage of net charge-offs (x) | 686.6875% | 161 |
| Efficiency ratio | 34.8455% | 5,334 |
| Assets per employee ($millions) | 15.8064% | 90 |
| Cash dividends to net income (ytd only)* | 46.2399% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 3,106 |
| Loan loss allowance to noncurrent loans | 17,333.3333% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 4,555 |
| Noncurrent loans to loans | 0.0063% | 4,792 |
| Net loans and leases to total assets | 78.9603% | 1,102 |
| Net loans and leases to deposits | 121.4663% | 88 |
| Net loans and leases to core deposits | 327.5798% | 21 |
| Total domestic deposits to total assets | 65.0059% | 5,261 |
| Equity capital to assets | 8.9361% | 4,625 |
| Core capital (leverage) ratio | 9.1098% | 4,549 |
| Tier 1 risk-based capital ratio | 10.8976% | 5,019 |
| Total risk-based capital ratio | 11.9842% | 4,989 |
| Memoranda: | ||
| Average total assets | $1,068,457,400 | 718 |
| Average earning assets | $1,012,533,000 | 694 |
| Average equity | $98,099,400 | 866 |
| Average total loans | $876,046,400 | 634 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3819% | 2,682 |
| Cost of funding earning assets | 1.3389% | 146 |
| Net interest margin | 3.0430% | 4,791 |
| Noninterest income to average assets | 0.3469% | 3,818 |
| Noninterest expense to average assets | 1.0178% | 5,421 |
| Loan and lease loss provision to assets | 0.0816% | 2,319 |
| Net operating income to assets | 2.0449% | 342 |
| Return on assets (ROA) | 2.0419% | 342 |
| Pretax return on assets | 2.1316% | 447 |
| Return on Equity (ROE) | 22.0713% | 162 |
| Retained earnings to average equity (ytd only) | 9.2792% | 1,123 |
| Net charge-offs to loans | -0.0022% | 4,099 |
| Credit loss provision to net charge-offs | -4,542.8571% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.4714% | 5,425 |
| Assets per employee ($millions) | 14.7371% | 104 |
| Cash dividends to net income (ytd only)* | 57.9579% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 2,927 |
| Loan loss allowance to noncurrent loans | 7,727.2727% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 4,638 |
| Noncurrent loans to loans | 0.0148% | 4,847 |
| Net loans and leases to total assets | 79.5605% | 1,084 |
| Net loans and leases to deposits | 107.8849% | 359 |
| Net loans and leases to core deposits | 340.1677% | 19 |
| Total domestic deposits to total assets | 73.7457% | 5,001 |
| Equity capital to assets | 8.9590% | 4,587 |
| Core capital (leverage) ratio | 9.2719% | 4,434 |
| Tier 1 risk-based capital ratio | 11.1848% | 4,956 |
| Total risk-based capital ratio | 12.3236% | 4,900 |
| Memoranda: | ||
| Average total assets | $1,039,202,500 | 739 |
| Average earning assets | $985,977,500 | 717 |
| Average equity | $96,140,500 | 872 |
| Average total loans | $858,444,000 | 644 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 2,626 |
| Cost of funding earning assets | 1.2582% | 146 |
| Net interest margin | 3.0825% | 4,764 |
| Noninterest income to average assets | 0.3816% | 3,611 |
| Noninterest expense to average assets | 1.0124% | 5,484 |
| Loan and lease loss provision to assets | 0.0861% | 2,188 |
| Net operating income to assets | 2.1235% | 297 |
| Return on assets (ROA) | 2.1190% | 295 |
| Pretax return on assets | 2.2073% | 384 |
| Return on Equity (ROE) | 22.6456% | 139 |
| Retained earnings to average equity (ytd only) | 7.7790% | 1,717 |
| Net charge-offs to loans | -0.0028% | 4,001 |
| Credit loss provision to net charge-offs | -3,650.0000% | 4,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.5815% | 5,493 |
| Assets per employee ($millions) | 14.6108% | 108 |
| Cash dividends to net income (ytd only)* | 65.6491% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 2,966 |
| Loan loss allowance to noncurrent loans | 5,102.0408% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 4,617 |
| Noncurrent loans to loans | 0.0226% | 4,831 |
| Net loans and leases to total assets | 81.5501% | 763 |
| Net loans and leases to deposits | 109.6415% | 294 |
| Net loans and leases to core deposits | 319.8965% | 20 |
| Total domestic deposits to total assets | 74.3789% | 5,014 |
| Equity capital to assets | 9.3982% | 4,191 |
| Core capital (leverage) ratio | 9.4642% | 4,152 |
| Tier 1 risk-based capital ratio | 10.8849% | 5,115 |
| Total risk-based capital ratio | 12.0048% | 5,062 |
| Memoranda: | ||
| Average total assets | $1,017,174,670 | 753 |
| Average earning assets | $966,485,000 | 729 |
| Average equity | $95,179,670 | 883 |
| Average total loans | $848,068,330 | 648 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 2,451 |
| Cost of funding earning assets | 1.2117% | 135 |
| Net interest margin | 3.1077% | 4,695 |
| Noninterest income to average assets | 0.3105% | 4,084 |
| Noninterest expense to average assets | 0.9830% | 5,559 |
| Loan and lease loss provision to assets | 0.1004% | 1,848 |
| Net operating income to assets | 2.1069% | 288 |
| Return on assets (ROA) | 2.1069% | 289 |
| Pretax return on assets | 2.1865% | 390 |
| Return on Equity (ROE) | 22.5679% | 144 |
| Retained earnings to average equity (ytd only) | 13.0496% | 512 |
| Net charge-offs to loans | -0.0048% | 3,993 |
| Credit loss provision to net charge-offs | -2,510.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.0624% | 5,561 |
| Assets per employee ($millions) | 14.1040% | 120 |
| Cash dividends to net income (ytd only)* | 42.1762% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 3,108 |
| Loan loss allowance to noncurrent loans | 7,848.8000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 4,702 |
| Noncurrent loans to loans | 0.0146% | 4,927 |
| Net loans and leases to total assets | 83.2408% | 516 |
| Net loans and leases to deposits | 100.0092% | 706 |
| Net loans and leases to core deposits | 320.6776% | 21 |
| Total domestic deposits to total assets | 83.2331% | 3,596 |
| Equity capital to assets | 9.2426% | 4,325 |
| Core capital (leverage) ratio | 9.0717% | 4,603 |
| Tier 1 risk-based capital ratio | 10.6096% | 5,316 |
| Total risk-based capital ratio | 11.7395% | 5,266 |
| Memoranda: | ||
| Average total assets | $999,771,500 | 764 |
| Average earning assets | $952,078,500 | 744 |
| Average equity | $93,336,000 | 900 |
| Average total loans | $838,156,500 | 654 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1730% | 2,799 |
| Cost of funding earning assets | 1.0009% | 211 |
| Net interest margin | 3.1722% | 4,513 |
| Noninterest income to average assets | 0.4013% | 3,632 |
| Noninterest expense to average assets | 1.1937% | 5,586 |
| Loan and lease loss provision to assets | 0.1097% | 2,054 |
| Net operating income to assets | 2.0105% | 280 |
| Return on assets (ROA) | 2.0105% | 284 |
| Pretax return on assets | 2.1098% | 388 |
| Return on Equity (ROE) | 22.3135% | 119 |
| Retained earnings to average equity (ytd only) | 16.1157% | 66 |
| Net charge-offs to loans | 0.0045% | 3,930 |
| Credit loss provision to net charge-offs | 3,041.1765% | 136 |
| Earnings coverage of net charge-offs (x) | 615.2353% | 141 |
| Efficiency ratio | 34.9726% | 5,592 |
| Assets per employee ($millions) | 13.8599% | 117 |
| Cash dividends to net income (ytd only)* | 27.7760% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 2,994 |
| Loan loss allowance to noncurrent loans | 2,175.3986% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 4,565 |
| Noncurrent loans to loans | 0.0535% | 4,757 |
| Net loans and leases to total assets | 82.4803% | 612 |
| Net loans and leases to deposits | 104.5880% | 465 |
| Net loans and leases to core deposits | 292.5989% | 26 |
| Total domestic deposits to total assets | 78.8621% | 4,573 |
| Equity capital to assets | 9.4318% | 4,293 |
| Core capital (leverage) ratio | 9.1693% | 4,437 |
| Tier 1 risk-based capital ratio | 9.9861% | 5,538 |
| Total risk-based capital ratio | 11.0567% | 5,532 |
| Memoranda: | ||
| Average total assets | $942,457,600 | 788 |
| Average earning assets | $894,837,800 | 756 |
| Average equity | $84,917,200 | 960 |
| Average total loans | $756,365,000 | 694 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 2,835 |
| Cost of funding earning assets | 0.9718% | 223 |
| Net interest margin | 3.1683% | 4,539 |
| Noninterest income to average assets | 0.3941% | 3,729 |
| Noninterest expense to average assets | 1.1099% | 5,663 |
| Loan and lease loss provision to assets | 0.1046% | 2,020 |
| Net operating income to assets | 2.1214% | 254 |
| Return on assets (ROA) | 2.1214% | 258 |
| Pretax return on assets | 2.1855% | 378 |
| Return on Equity (ROE) | 23.8391% | 92 |
| Retained earnings to average equity (ytd only) | 15.4882% | 102 |
| Net charge-offs to loans | -0.0034% | 4,394 |
| Credit loss provision to net charge-offs | -3,847.3684% | 5,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6447% | 5,677 |
| Assets per employee ($millions) | 13.7843% | 115 |
| Cash dividends to net income (ytd only)* | 35.0303% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 3,076 |
| Loan loss allowance to noncurrent loans | 2,906.2500% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 4,738 |
| Noncurrent loans to loans | 0.0403% | 4,934 |
| Net loans and leases to total assets | 80.1609% | 965 |
| Net loans and leases to deposits | 93.3232% | 1,378 |
| Net loans and leases to core deposits | 282.1649% | 27 |
| Total domestic deposits to total assets | 85.8959% | 2,348 |
| Equity capital to assets | 9.0769% | 4,842 |
| Core capital (leverage) ratio | 9.0212% | 4,716 |
| Tier 1 risk-based capital ratio | 9.9160% | 5,614 |
| Total risk-based capital ratio | 11.0005% | 5,615 |
| Memoranda: | ||
| Average total assets | $932,059,000 | 801 |
| Average earning assets | $884,286,750 | 770 |
| Average equity | $82,943,000 | 982 |
| Average total loans | $740,156,500 | 709 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 2,767 |
| Cost of funding earning assets | 0.9639% | 206 |
| Net interest margin | 3.1558% | 4,529 |
| Noninterest income to average assets | 0.3782% | 3,847 |
| Noninterest expense to average assets | 1.1199% | 5,714 |
| Loan and lease loss provision to assets | 0.0511% | 2,965 |
| Net operating income to assets | 2.1374% | 245 |
| Return on assets (ROA) | 2.1374% | 249 |
| Pretax return on assets | 2.1944% | 358 |
| Return on Equity (ROE) | 24.1914% | 90 |
| Retained earnings to average equity (ytd only) | 15.4212% | 121 |
| Net charge-offs to loans | -0.0044% | 4,311 |
| Credit loss provision to net charge-offs | -1,462.5000% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2771% | 5,722 |
| Assets per employee ($millions) | 14.1321% | 103 |
| Cash dividends to net income (ytd only)* | 36.2532% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 3,182 |
| Loan loss allowance to noncurrent loans | 450.5888% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 3,925 |
| Noncurrent loans to loans | 0.2602% | 4,105 |
| Net loans and leases to total assets | 79.5434% | 1,017 |
| Net loans and leases to deposits | 90.2168% | 1,701 |
| Net loans and leases to core deposits | 274.1144% | 28 |
| Total domestic deposits to total assets | 88.1691% | 1,370 |
| Equity capital to assets | 9.1644% | 4,748 |
| Core capital (leverage) ratio | 8.8028% | 4,945 |
| Tier 1 risk-based capital ratio | 10.0189% | 5,626 |
| Total risk-based capital ratio | 11.0988% | 5,631 |
| Memoranda: | ||
| Average total assets | $916,518,000 | 819 |
| Average earning assets | $867,551,670 | 791 |
| Average equity | $80,979,330 | 1,007 |
| Average total loans | $722,268,670 | 733 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0832% | 2,710 |
| Cost of funding earning assets | 0.9659% | 193 |
| Net interest margin | 3.1174% | 4,611 |
| Noninterest income to average assets | 0.3721% | 3,870 |
| Noninterest expense to average assets | 1.0792% | 5,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.2096% | 224 |
| Return on assets (ROA) | 2.2096% | 228 |
| Pretax return on assets | 2.2417% | 331 |
| Return on Equity (ROE) | 25.4947% | 80 |
| Retained earnings to average equity (ytd only) | 14.7491% | 245 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4980% | 5,787 |
| Assets per employee ($millions) | 14.1196% | 106 |
| Cash dividends to net income (ytd only)* | 42.1483% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 3,314 |
| Loan loss allowance to noncurrent loans | 3,420.0000% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 4,759 |
| Noncurrent loans to loans | 0.0342% | 5,065 |
| Net loans and leases to total assets | 76.4157% | 1,342 |
| Net loans and leases to deposits | 85.9199% | 2,042 |
| Net loans and leases to core deposits | 286.3908% | 27 |
| Total domestic deposits to total assets | 88.9382% | 1,170 |
| Equity capital to assets | 8.5107% | 5,235 |
| Core capital (leverage) ratio | 8.4052% | 5,301 |
| Tier 1 risk-based capital ratio | 9.9619% | 5,705 |
| Total risk-based capital ratio | 11.0496% | 5,718 |
| Memoranda: | ||
| Average total assets | $908,416,500 | 832 |
| Average earning assets | $859,315,500 | 810 |
| Average equity | $78,730,000 | 1,027 |
| Average total loans | $708,044,000 | 744 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1460% | 2,674 |
| Cost of funding earning assets | 0.9375% | 240 |
| Net interest margin | 3.2085% | 4,430 |
| Noninterest income to average assets | 0.6884% | 2,226 |
| Noninterest expense to average assets | 1.4618% | 5,735 |
| Loan and lease loss provision to assets | 0.1106% | 2,220 |
| Net operating income to assets | 2.0308% | 297 |
| Return on assets (ROA) | 2.0233% | 316 |
| Pretax return on assets | 2.1384% | 367 |
| Return on Equity (ROE) | 22.1314% | 142 |
| Retained earnings to average equity (ytd only) | 12.9701% | 168 |
| Net charge-offs to loans | 0.0092% | 3,953 |
| Credit loss provision to net charge-offs | 1,516.6667% | 276 |
| Earnings coverage of net charge-offs (x) | 309.4000% | 250 |
| Efficiency ratio | 39.3095% | 5,791 |
| Assets per employee ($millions) | 12.6206% | 143 |
| Cash dividends to net income (ytd only)* | 41.3953% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,829 |
| Loan loss allowance to noncurrent loans | 3,406.3745% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 4,695 |
| Noncurrent loans to loans | 0.0367% | 5,111 |
| Net loans and leases to total assets | 77.6379% | 1,260 |
| Net loans and leases to deposits | 89.1243% | 1,792 |
| Net loans and leases to core deposits | 283.0873% | 28 |
| Total domestic deposits to total assets | 87.1119% | 2,081 |
| Equity capital to assets | 8.8363% | 4,977 |
| Core capital (leverage) ratio | 8.9580% | 4,790 |
| Tier 1 risk-based capital ratio | 9.9195% | 5,756 |
| Total risk-based capital ratio | 11.0444% | 5,756 |
| Memoranda: | ||
| Average total assets | $822,536,800 | 885 |
| Average earning assets | $776,866,400 | 867 |
| Average equity | $75,196,200 | 1,057 |
| Average total loans | $653,015,000 | 762 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 2,608 |
| Cost of funding earning assets | 0.9304% | 248 |
| Net interest margin | 3.2404% | 4,375 |
| Noninterest income to average assets | 0.6682% | 2,326 |
| Noninterest expense to average assets | 1.2909% | 5,871 |
| Loan and lease loss provision to assets | 0.1038% | 2,189 |
| Net operating income to assets | 2.2153% | 237 |
| Return on assets (ROA) | 2.2051% | 255 |
| Pretax return on assets | 2.3263% | 302 |
| Return on Equity (ROE) | 23.9058% | 102 |
| Retained earnings to average equity (ytd only) | 11.7193% | 336 |
| Net charge-offs to loans | 0.0064% | 3,687 |
| Credit loss provision to net charge-offs | 2,035.4839% | 229 |
| Earnings coverage of net charge-offs (x) | 478.6395% | 185 |
| Efficiency ratio | 34.5927% | 5,903 |
| Assets per employee ($millions) | 12.1552% | 165 |
| Cash dividends to net income (ytd only)* | 50.9773% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,957 |
| Loan loss allowance to noncurrent loans | 2,029.3399% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 4,538 |
| Noncurrent loans to loans | 0.0616% | 5,108 |
| Net loans and leases to total assets | 78.1488% | 1,168 |
| Net loans and leases to deposits | 98.9064% | 786 |
| Net loans and leases to core deposits | 283.9394% | 30 |
| Total domestic deposits to total assets | 79.0128% | 4,719 |
| Equity capital to assets | 9.3727% | 4,789 |
| Core capital (leverage) ratio | 8.9009% | 4,941 |
| Tier 1 risk-based capital ratio | 9.9395% | 5,807 |
| Total risk-based capital ratio | 11.0819% | 5,804 |
| Memoranda: | ||
| Average total assets | $810,466,000 | 896 |
| Average earning assets | $766,223,500 | 875 |
| Average equity | $74,758,250 | 1,070 |
| Average total loans | $645,109,750 | 770 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 2,568 |
| Cost of funding earning assets | 0.9233% | 258 |
| Net interest margin | 3.2573% | 4,356 |
| Noninterest income to average assets | 0.5503% | 2,901 |
| Noninterest expense to average assets | 1.2801% | 5,953 |
| Loan and lease loss provision to assets | 0.1243% | 1,834 |
| Net operating income to assets | 2.1035% | 276 |
| Return on assets (ROA) | 2.1035% | 294 |
| Pretax return on assets | 2.2348% | 346 |
| Return on Equity (ROE) | 22.9332% | 130 |
| Retained earnings to average equity (ytd only) | 8.9582% | 863 |
| Net charge-offs to loans | -0.0006% | 4,306 |
| Credit loss provision to net charge-offs | -24,900.0000% | 5,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1743% | 5,977 |
| Assets per employee ($millions) | 12.5249% | 134 |
| Cash dividends to net income (ytd only)* | 60.9377% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 3,028 |
| Loan loss allowance to noncurrent loans | 506.7985% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 4,145 |
| Noncurrent loans to loans | 0.2482% | 4,462 |
| Net loans and leases to total assets | 79.0616% | 1,055 |
| Net loans and leases to deposits | 98.1940% | 870 |
| Net loans and leases to core deposits | 280.1334% | 31 |
| Total domestic deposits to total assets | 80.5157% | 4,409 |
| Equity capital to assets | 9.3550% | 4,915 |
| Core capital (leverage) ratio | 8.5381% | 5,333 |
| Tier 1 risk-based capital ratio | 9.8726% | 5,881 |
| Total risk-based capital ratio | 11.0470% | 5,861 |
| Memoranda: | ||
| Average total assets | $801,052,000 | 904 |
| Average earning assets | $759,652,330 | 882 |
| Average equity | $73,474,330 | 1,085 |
| Average total loans | $638,899,670 | 779 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1862% | 2,524 |
| Cost of funding earning assets | 0.9085% | 280 |
| Net interest margin | 3.2777% | 4,306 |
| Noninterest income to average assets | 0.5115% | 3,038 |
| Noninterest expense to average assets | 1.2259% | 6,028 |
| Loan and lease loss provision to assets | 0.2014% | 974 |
| Net operating income to assets | 2.0858% | 291 |
| Return on assets (ROA) | 2.0858% | 302 |
| Pretax return on assets | 2.1920% | 386 |
| Return on Equity (ROE) | 22.9749% | 127 |
| Retained earnings to average equity (ytd only) | 13.0429% | 389 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8712% | 6,043 |
| Assets per employee ($millions) | 12.7015% | 134 |
| Cash dividends to net income (ytd only)* | 43.2295% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 3,162 |
| Loan loss allowance to noncurrent loans | 862.6198% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 4,366 |
| Noncurrent loans to loans | 0.1452% | 4,895 |
| Net loans and leases to total assets | 78.5319% | 1,022 |
| Net loans and leases to deposits | 100.8678% | 572 |
| Net loans and leases to core deposits | 278.0786% | 29 |
| Total domestic deposits to total assets | 77.8563% | 5,172 |
| Equity capital to assets | 9.0372% | 5,134 |
| Core capital (leverage) ratio | 8.6356% | 5,257 |
| Tier 1 risk-based capital ratio | 10.0164% | 5,909 |
| Total risk-based capital ratio | 11.2096% | 5,884 |
| Memoranda: | ||
| Average total assets | $794,517,500 | 912 |
| Average earning assets | $753,329,500 | 890 |
| Average equity | $72,131,000 | 1,098 |
| Average total loans | $632,421,000 | 781 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 2,606 |
| Cost of funding earning assets | 0.8793% | 319 |
| Net interest margin | 3.3063% | 4,278 |
| Noninterest income to average assets | 0.5044% | 3,300 |
| Noninterest expense to average assets | 1.4114% | 6,029 |
| Loan and lease loss provision to assets | 0.0279% | 3,817 |
| Net operating income to assets | 2.0946% | 299 |
| Return on assets (ROA) | 2.0946% | 304 |
| Pretax return on assets | 2.2116% | 337 |
| Return on Equity (ROE) | 22.5646% | 151 |
| Retained earnings to average equity (ytd only) | 5.3086% | 2,207 |
| Net charge-offs to loans | 0.0351% | 3,510 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 80.3883% | 699 |
| Efficiency ratio | 38.6599% | 6,082 |
| Assets per employee ($millions) | 12.1271% | 142 |
| Cash dividends to net income (ytd only)* | 76.4736% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 3,209 |
| Loan loss allowance to noncurrent loans | 1,044.7761% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 4,436 |
| Noncurrent loans to loans | 0.1192% | 5,018 |
| Net loans and leases to total assets | 78.6791% | 1,038 |
| Net loans and leases to deposits | 100.4596% | 645 |
| Net loans and leases to core deposits | 266.6822% | 31 |
| Total domestic deposits to total assets | 78.3191% | 5,099 |
| Equity capital to assets | 9.1220% | 4,999 |
| Core capital (leverage) ratio | 8.6496% | 5,279 |
| Tier 1 risk-based capital ratio | 10.0929% | 5,928 |
| Total risk-based capital ratio | 11.2767% | 5,885 |
| Memoranda: | ||
| Average total assets | $739,473,800 | 935 |
| Average earning assets | $703,713,800 | 913 |
| Average equity | $68,643,000 | 1,108 |
| Average total loans | $586,952,200 | 798 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 2,595 |
| Cost of funding earning assets | 0.8776% | 324 |
| Net interest margin | 3.3161% | 4,277 |
| Noninterest income to average assets | 0.5289% | 3,175 |
| Noninterest expense to average assets | 1.3787% | 6,114 |
| Loan and lease loss provision to assets | 0.0013% | 4,219 |
| Net operating income to assets | 2.1828% | 270 |
| Return on assets (ROA) | 2.1828% | 279 |
| Pretax return on assets | 2.3071% | 332 |
| Return on Equity (ROE) | 23.4067% | 151 |
| Retained earnings to average equity (ytd only) | 5.2232% | 2,763 |
| Net charge-offs to loans | 0.0016% | 4,125 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 1,806.8864% | 35 |
| Efficiency ratio | 37.3935% | 6,170 |
| Assets per employee ($millions) | 11.7063% | 160 |
| Cash dividends to net income (ytd only)* | 77.6849% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 3,190 |
| Loan loss allowance to noncurrent loans | 552.7638% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 4,184 |
| Noncurrent loans to loans | 0.2320% | 4,736 |
| Net loans and leases to total assets | 79.1316% | 940 |
| Net loans and leases to deposits | 101.2541% | 595 |
| Net loans and leases to core deposits | 269.7853% | 32 |
| Total domestic deposits to total assets | 78.1514% | 5,154 |
| Equity capital to assets | 9.1952% | 5,120 |
| Core capital (leverage) ratio | 8.8239% | 5,213 |
| Tier 1 risk-based capital ratio | 10.3023% | 5,947 |
| Total risk-based capital ratio | 11.5289% | 5,895 |
| Memoranda: | ||
| Average total assets | $730,308,250 | 953 |
| Average earning assets | $695,532,250 | 929 |
| Average equity | $68,104,000 | 1,125 |
| Average total loans | $579,101,000 | 812 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 2,584 |
| Cost of funding earning assets | 0.8745% | 326 |
| Net interest margin | 3.3137% | 4,248 |
| Noninterest income to average assets | 0.5779% | 2,869 |
| Noninterest expense to average assets | 1.4696% | 6,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1309% | 297 |
| Return on assets (ROA) | 2.1309% | 312 |
| Pretax return on assets | 2.2685% | 364 |
| Return on Equity (ROE) | 22.7412% | 171 |
| Retained earnings to average equity (ytd only) | 7.3318% | 1,557 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3142% | 6,215 |
| Assets per employee ($millions) | 11.4603% | 168 |
| Cash dividends to net income (ytd only)* | 67.7599% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 3,154 |
| Loan loss allowance to noncurrent loans | 741.8112% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 4,466 |
| Noncurrent loans to loans | 0.1774% | 5,066 |
| Net loans and leases to total assets | 78.7274% | 973 |
| Net loans and leases to deposits | 94.8666% | 1,063 |
| Net loans and leases to core deposits | 257.1675% | 32 |
| Total domestic deposits to total assets | 82.9875% | 3,967 |
| Equity capital to assets | 9.1933% | 5,029 |
| Core capital (leverage) ratio | 8.8315% | 5,185 |
| Tier 1 risk-based capital ratio | 10.7785% | 5,814 |
| Total risk-based capital ratio | 12.0291% | 5,751 |
| Memoranda: | ||
| Average total assets | $724,010,000 | 962 |
| Average earning assets | $690,470,330 | 931 |
| Average equity | $67,841,670 | 1,132 |
| Average total loans | $571,949,330 | 823 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 2,694 |
| Cost of funding earning assets | 0.8654% | 352 |
| Net interest margin | 3.2686% | 4,351 |
| Noninterest income to average assets | 0.6045% | 2,624 |
| Noninterest expense to average assets | 1.6116% | 6,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0014% | 337 |
| Return on assets (ROA) | 2.0014% | 355 |
| Pretax return on assets | 2.1037% | 480 |
| Return on Equity (ROE) | 21.1557% | 222 |
| Retained earnings to average equity (ytd only) | 11.3155% | 673 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3767% | 6,201 |
| Assets per employee ($millions) | 11.4103% | 176 |
| Cash dividends to net income (ytd only)* | 46.5129% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 3,197 |
| Loan loss allowance to noncurrent loans | 2,619.0476% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 4,865 |
| Noncurrent loans to loans | 0.0511% | 5,574 |
| Net loans and leases to total assets | 77.7247% | 969 |
| Net loans and leases to deposits | 95.1301% | 894 |
| Net loans and leases to core deposits | 249.6839% | 35 |
| Total domestic deposits to total assets | 81.7036% | 4,608 |
| Equity capital to assets | 9.4535% | 4,798 |
| Core capital (leverage) ratio | 9.0374% | 4,906 |
| Tier 1 risk-based capital ratio | 10.6550% | 5,957 |
| Total risk-based capital ratio | 11.9054% | 5,885 |
| Memoranda: | ||
| Average total assets | $719,287,000 | 965 |
| Average earning assets | $684,576,500 | 938 |
| Average equity | $68,048,000 | 1,132 |
| Average total loans | $565,358,500 | 827 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1750% | 3,028 |
| Cost of funding earning assets | 0.8541% | 492 |
| Net interest margin | 3.3209% | 4,510 |
| Noninterest income to average assets | 0.5238% | 3,334 |
| Noninterest expense to average assets | 1.3885% | 6,362 |
| Loan and lease loss provision to assets | 0.2037% | 1,239 |
| Net operating income to assets | 1.9792% | 339 |
| Return on assets (ROA) | 1.9800% | 349 |
| Pretax return on assets | 2.0804% | 432 |
| Return on Equity (ROE) | 21.9911% | 179 |
| Retained earnings to average equity (ytd only) | 11.1418% | 364 |
| Net charge-offs to loans | 0.0285% | 4,249 |
| Credit loss provision to net charge-offs | 921.9178% | 295 |
| Earnings coverage of net charge-offs (x) | 103.3630% | 505 |
| Efficiency ratio | 37.8152% | 6,427 |
| Assets per employee ($millions) | 11.2430% | 176 |
| Cash dividends to net income (ytd only)* | 49.3352% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 3,014 |
| Loan loss allowance to noncurrent loans | 2,291.6667% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 4,864 |
| Noncurrent loans to loans | 0.0605% | 5,637 |
| Net loans and leases to total assets | 77.3279% | 1,095 |
| Net loans and leases to deposits | 94.9239% | 1,001 |
| Net loans and leases to core deposits | 223.9855% | 40 |
| Total domestic deposits to total assets | 81.4631% | 4,608 |
| Equity capital to assets | 9.4677% | 4,756 |
| Core capital (leverage) ratio | 9.0345% | 4,942 |
| Tier 1 risk-based capital ratio | 10.3724% | 6,156 |
| Total risk-based capital ratio | 11.6241% | 6,099 |
| Memoranda: | ||
| Average total assets | $660,923,400 | 1,011 |
| Average earning assets | $626,512,000 | 980 |
| Average equity | $59,505,800 | 1,230 |
| Average total loans | $513,069,400 | 867 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 3,100 |
| Cost of funding earning assets | 0.8499% | 544 |
| Net interest margin | 3.3168% | 4,549 |
| Noninterest income to average assets | 0.5232% | 3,379 |
| Noninterest expense to average assets | 1.3288% | 6,441 |
| Loan and lease loss provision to assets | 0.2145% | 1,071 |
| Net operating income to assets | 2.0137% | 336 |
| Return on assets (ROA) | 2.0147% | 349 |
| Pretax return on assets | 2.1201% | 436 |
| Return on Equity (ROE) | 22.6964% | 167 |
| Retained earnings to average equity (ytd only) | 8.6893% | 1,102 |
| Net charge-offs to loans | 0.0117% | 4,332 |
| Credit loss provision to net charge-offs | 2,372.7273% | 158 |
| Earnings coverage of net charge-offs (x) | 258.1607% | 261 |
| Efficiency ratio | 36.2836% | 6,505 |
| Assets per employee ($millions) | 10.8799% | 188 |
| Cash dividends to net income (ytd only)* | 61.7149% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 3,150 |
| Loan loss allowance to noncurrent loans | 57,692.3077% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 5,232 |
| Noncurrent loans to loans | 0.0024% | 6,044 |
| Net loans and leases to total assets | 78.0667% | 951 |
| Net loans and leases to deposits | 96.4151% | 848 |
| Net loans and leases to core deposits | 209.2248% | 42 |
| Total domestic deposits to total assets | 80.9694% | 4,828 |
| Equity capital to assets | 9.1769% | 5,174 |
| Core capital (leverage) ratio | 8.8393% | 5,285 |
| Tier 1 risk-based capital ratio | 9.9335% | 6,359 |
| Total risk-based capital ratio | 11.1852% | 6,328 |
| Memoranda: | ||
| Average total assets | $649,076,250 | 1,044 |
| Average earning assets | $614,303,250 | 1,005 |
| Average equity | $57,617,000 | 1,272 |
| Average total loans | $502,481,000 | 892 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 3,195 |
| Cost of funding earning assets | 0.8529% | 549 |
| Net interest margin | 3.2844% | 4,651 |
| Noninterest income to average assets | 0.5170% | 3,362 |
| Noninterest expense to average assets | 1.3316% | 6,512 |
| Loan and lease loss provision to assets | 0.2323% | 982 |
| Net operating income to assets | 1.9480% | 374 |
| Return on assets (ROA) | 1.9495% | 389 |
| Pretax return on assets | 2.0625% | 473 |
| Return on Equity (ROE) | 22.2253% | 189 |
| Retained earnings to average equity (ytd only) | 5.9265% | 2,365 |
| Net charge-offs to loans | 0.0179% | 3,862 |
| Credit loss provision to net charge-offs | 1,690.9091% | 221 |
| Earnings coverage of net charge-offs (x) | 166.9318% | 375 |
| Efficiency ratio | 36.7356% | 6,568 |
| Assets per employee ($millions) | 10.4834% | 204 |
| Cash dividends to net income (ytd only)* | 73.3344% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 3,325 |
| Loan loss allowance to noncurrent loans | 10,140.8451% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 5,193 |
| Noncurrent loans to loans | 0.0139% | 6,042 |
| Net loans and leases to total assets | 77.7372% | 940 |
| Net loans and leases to deposits | 93.7400% | 982 |
| Net loans and leases to core deposits | 198.8469% | 42 |
| Total domestic deposits to total assets | 82.9285% | 4,332 |
| Equity capital to assets | 9.0833% | 5,218 |
| Core capital (leverage) ratio | 8.6198% | 5,512 |
| Tier 1 risk-based capital ratio | 9.9646% | 6,410 |
| Total risk-based capital ratio | 11.2162% | 6,367 |
| Memoranda: | ||
| Average total assets | $640,584,670 | 1,055 |
| Average earning assets | $606,140,670 | 1,026 |
| Average equity | $56,188,330 | 1,294 |
| Average total loans | $491,941,330 | 905 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 3,503 |
| Cost of funding earning assets | 0.8489% | 586 |
| Net interest margin | 3.1955% | 4,933 |
| Noninterest income to average assets | 0.4366% | 3,892 |
| Noninterest expense to average assets | 1.2858% | 6,603 |
| Loan and lease loss provision to assets | 0.2063% | 1,120 |
| Net operating income to assets | 1.8758% | 420 |
| Return on assets (ROA) | 1.8758% | 441 |
| Pretax return on assets | 1.9708% | 562 |
| Return on Equity (ROE) | 21.7811% | 206 |
| Retained earnings to average equity (ytd only) | 10.3574% | 884 |
| Net charge-offs to loans | 0.0233% | 3,108 |
| Credit loss provision to net charge-offs | 1,171.4286% | 279 |
| Earnings coverage of net charge-offs (x) | 123.6071% | 391 |
| Efficiency ratio | 37.1299% | 6,631 |
| Assets per employee ($millions) | 10.6774% | 202 |
| Cash dividends to net income (ytd only)* | 52.4480% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 3,563 |
| Loan loss allowance to noncurrent loans | 3,777.7778% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 5,122 |
| Noncurrent loans to loans | 0.0373% | 6,039 |
| Net loans and leases to total assets | 73.1161% | 1,413 |
| Net loans and leases to deposits | 87.6627% | 1,397 |
| Net loans and leases to core deposits | 185.2914% | 47 |
| Total domestic deposits to total assets | 83.4063% | 4,476 |
| Equity capital to assets | 8.7345% | 5,415 |
| Core capital (leverage) ratio | 8.7423% | 5,334 |
| Tier 1 risk-based capital ratio | 10.5868% | 6,308 |
| Total risk-based capital ratio | 11.8389% | 6,276 |
| Memoranda: | ||
| Average total assets | $635,891,000 | 1,072 |
| Average earning assets | $602,213,500 | 1,041 |
| Average equity | $54,763,000 | 1,321 |
| Average total loans | $481,677,000 | 929 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3004% | 2,958 |
| Cost of funding earning assets | 0.9951% | 453 |
| Net interest margin | 3.3053% | 4,648 |
| Noninterest income to average assets | 0.7445% | 2,314 |
| Noninterest expense to average assets | 1.6015% | 6,515 |
| Loan and lease loss provision to assets | 0.2506% | 1,441 |
| Net operating income to assets | 1.8838% | 412 |
| Return on assets (ROA) | 1.8736% | 430 |
| Pretax return on assets | 2.0000% | 479 |
| Return on Equity (ROE) | 20.0268% | 274 |
| Retained earnings to average equity (ytd only) | 8.1660% | 1,001 |
| Net charge-offs to loans | -0.0030% | 5,880 |
| Credit loss provision to net charge-offs | -10,669.2308% | 6,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4585% | 6,666 |
| Assets per employee ($millions) | 10.0074% | 228 |
| Cash dividends to net income (ytd only)* | 59.2246% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 3,877 |
| Loan loss allowance to noncurrent loans | 3,066.0377% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 5,225 |
| Noncurrent loans to loans | 0.0441% | 6,105 |
| Net loans and leases to total assets | 76.3679% | 1,026 |
| Net loans and leases to deposits | 91.7140% | 1,086 |
| Net loans and leases to core deposits | 176.2194% | 54 |
| Total domestic deposits to total assets | 83.2675% | 4,442 |
| Equity capital to assets | 8.4834% | 5,596 |
| Core capital (leverage) ratio | 9.0582% | 4,918 |
| Tier 1 risk-based capital ratio | 10.3161% | 6,428 |
| Total risk-based capital ratio | 11.5607% | 6,387 |
| Memoranda: | ||
| Average total assets | $553,413,600 | 1,199 |
| Average earning assets | $522,137,400 | 1,161 |
| Average equity | $51,775,600 | 1,372 |
| Average total loans | $431,330,800 | 991 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 2,907 |
| Cost of funding earning assets | 1.0360% | 415 |
| Net interest margin | 3.2834% | 4,705 |
| Noninterest income to average assets | 0.8271% | 2,023 |
| Noninterest expense to average assets | 1.5471% | 6,603 |
| Loan and lease loss provision to assets | 0.2417% | 1,484 |
| Net operating income to assets | 1.9945% | 367 |
| Return on assets (ROA) | 1.9945% | 378 |
| Pretax return on assets | 2.1344% | 444 |
| Return on Equity (ROE) | 20.7596% | 258 |
| Retained earnings to average equity (ytd only) | 6.1311% | 2,328 |
| Net charge-offs to loans | -0.0086% | 5,860 |
| Credit loss provision to net charge-offs | -3,603.7037% | 6,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4339% | 6,766 |
| Assets per employee ($millions) | 9.2671% | 289 |
| Cash dividends to net income (ytd only)* | 70.4659% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 4,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 5,391 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 77.7768% | 772 |
| Net loans and leases to deposits | 90.7418% | 1,086 |
| Net loans and leases to core deposits | 163.3074% | 68 |
| Total domestic deposits to total assets | 85.7122% | 3,399 |
| Equity capital to assets | 8.9922% | 5,202 |
| Core capital (leverage) ratio | 9.2642% | 4,730 |
| Tier 1 risk-based capital ratio | 10.4432% | 6,475 |
| Total risk-based capital ratio | 11.6678% | 6,445 |
| Memoranda: | ||
| Average total assets | $536,652,500 | 1,252 |
| Average earning assets | $506,048,500 | 1,215 |
| Average equity | $51,560,500 | 1,386 |
| Average total loans | $419,080,750 | 1,019 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2970% | 2,961 |
| Cost of funding earning assets | 1.0733% | 379 |
| Net interest margin | 3.2236% | 4,858 |
| Noninterest income to average assets | 0.9633% | 1,621 |
| Noninterest expense to average assets | 1.5820% | 6,605 |
| Loan and lease loss provision to assets | 0.2653% | 1,395 |
| Net operating income to assets | 1.9912% | 363 |
| Return on assets (ROA) | 1.9912% | 387 |
| Pretax return on assets | 2.1538% | 452 |
| Return on Equity (ROE) | 20.2502% | 286 |
| Retained earnings to average equity (ytd only) | 4.3241% | 3,524 |
| Net charge-offs to loans | -0.0025% | 5,548 |
| Credit loss provision to net charge-offs | -13,900.0000% | 6,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5402% | 6,813 |
| Assets per employee ($millions) | 8.9176% | 316 |
| Cash dividends to net income (ytd only)* | 78.6467% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 4,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 5,338 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 76.4381% | 936 |
| Net loans and leases to deposits | 87.4240% | 1,411 |
| Net loans and leases to core deposits | 146.9786% | 105 |
| Total domestic deposits to total assets | 87.4338% | 2,572 |
| Equity capital to assets | 9.0827% | 5,132 |
| Core capital (leverage) ratio | 9.3833% | 4,411 |
| Tier 1 risk-based capital ratio | 10.3644% | 6,550 |
| Total risk-based capital ratio | 11.5604% | 6,538 |
| Memoranda: | ||
| Average total assets | $524,016,000 | 1,278 |
| Average earning assets | $493,790,000 | 1,242 |
| Average equity | $51,525,330 | 1,392 |
| Average total loans | $407,782,330 | 1,041 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 2,886 |
| Cost of funding earning assets | 1.0642% | 444 |
| Net interest margin | 3.2367% | 4,770 |
| Noninterest income to average assets | 1.0832% | 1,260 |
| Noninterest expense to average assets | 1.6437% | 6,629 |
| Loan and lease loss provision to assets | 0.2661% | 1,332 |
| Net operating income to assets | 2.1202% | 281 |
| Return on assets (ROA) | 2.1202% | 306 |
| Pretax return on assets | 2.2269% | 393 |
| Return on Equity (ROE) | 20.7054% | 248 |
| Retained earnings to average equity (ytd only) | 13.9978% | 450 |
| Net charge-offs to loans | -0.0111% | 5,481 |
| Credit loss provision to net charge-offs | -3,081.8182% | 5,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7343% | 6,878 |
| Assets per employee ($millions) | 8.6295% | 374 |
| Cash dividends to net income (ytd only)* | 32.3954% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 4,437 |
| Loan loss allowance to noncurrent loans | 908.3333% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 5,049 |
| Noncurrent loans to loans | 0.1493% | 6,024 |
| Net loans and leases to total assets | 77.8481% | 628 |
| Net loans and leases to deposits | 91.7291% | 825 |
| Net loans and leases to core deposits | 156.6154% | 79 |
| Total domestic deposits to total assets | 84.8674% | 4,107 |
| Equity capital to assets | 10.4038% | 3,665 |
| Core capital (leverage) ratio | 9.4901% | 4,103 |
| Tier 1 risk-based capital ratio | 10.3376% | 6,622 |
| Total risk-based capital ratio | 11.5120% | 6,635 |
| Memoranda: | ||
| Average total assets | $509,579,500 | 1,321 |
| Average earning assets | $480,743,500 | 1,290 |
| Average equity | $52,179,500 | 1,398 |
| Average total loans | $397,464,500 | 1,069 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5148% | 3,340 |
| Cost of funding earning assets | 1.2573% | 441 |
| Net interest margin | 3.2574% | 5,405 |
| Noninterest income to average assets | 1.1455% | 1,192 |
| Noninterest expense to average assets | 1.7229% | 6,703 |
| Loan and lease loss provision to assets | 0.2539% | 2,620 |
| Net operating income to assets | 2.1534% | 278 |
| Return on assets (ROA) | 2.1219% | 320 |
| Pretax return on assets | 2.2060% | 407 |
| Return on Equity (ROE) | 21.6238% | 231 |
| Retained earnings to average equity (ytd only) | 12.6718% | 274 |
| Net charge-offs to loans | 0.1005% | 4,661 |
| Credit loss provision to net charge-offs | 334.1598% | 727 |
| Earnings coverage of net charge-offs (x) | 32.8099% | 946 |
| Efficiency ratio | 40.8698% | 6,911 |
| Assets per employee ($millions) | 8.6444% | 377 |
| Cash dividends to net income (ytd only)* | 41.3987% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 4,646 |
| Loan loss allowance to noncurrent loans | 715.2875% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.5819% | 5,027 |
| Noncurrent loans to loans | 0.1814% | 6,018 |
| Net loans and leases to total assets | 76.0801% | 902 |
| Net loans and leases to deposits | 89.0098% | 1,165 |
| Net loans and leases to core deposits | 151.0758% | 100 |
| Total domestic deposits to total assets | 85.4739% | 3,625 |
| Equity capital to assets | 10.0759% | 4,066 |
| Core capital (leverage) ratio | 9.3802% | 4,283 |
| Tier 1 risk-based capital ratio | 10.3288% | 6,603 |
| Total risk-based capital ratio | 11.4703% | 6,607 |
| Memoranda: | ||
| Average total assets | $477,788,800 | 1,389 |
| Average earning assets | $450,323,600 | 1,351 |
| Average equity | $46,883,600 | 1,489 |
| Average total loans | $361,328,000 | 1,158 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 3,386 |
| Cost of funding earning assets | 1.3069% | 422 |
| Net interest margin | 3.2532% | 5,537 |
| Noninterest income to average assets | 1.0528% | 1,366 |
| Noninterest expense to average assets | 1.3982% | 6,995 |
| Loan and lease loss provision to assets | 0.1731% | 3,402 |
| Net operating income to assets | 2.4601% | 188 |
| Return on assets (ROA) | 2.4601% | 204 |
| Pretax return on assets | 2.5464% | 270 |
| Return on Equity (ROE) | 25.2544% | 137 |
| Retained earnings to average equity (ytd only) | 15.8281% | 200 |
| Net charge-offs to loans | 0.0038% | 5,710 |
| Credit loss provision to net charge-offs | 6,100.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 958.3158% | 41 |
| Efficiency ratio | 33.9560% | 7,094 |
| Assets per employee ($millions) | 9.2011% | 306 |
| Cash dividends to net income (ytd only)* | 37.3255% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 4,827 |
| Loan loss allowance to noncurrent loans | 651.8817% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.6839% | 4,981 |
| Noncurrent loans to loans | 0.1991% | 6,112 |
| Net loans and leases to total assets | 77.0837% | 843 |
| Net loans and leases to deposits | 90.2076% | 1,121 |
| Net loans and leases to core deposits | 153.6309% | 99 |
| Total domestic deposits to total assets | 85.4515% | 3,540 |
| Equity capital to assets | 10.2028% | 4,199 |
| Core capital (leverage) ratio | 9.2583% | 4,663 |
| Tier 1 risk-based capital ratio | 10.3337% | 6,720 |
| Total risk-based capital ratio | 11.4882% | 6,720 |
| Memoranda: | ||
| Average total assets | $469,731,250 | 1,424 |
| Average earning assets | $442,553,250 | 1,386 |
| Average equity | $45,757,250 | 1,536 |
| Average total loans | $353,379,250 | 1,187 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 3,597 |
| Cost of funding earning assets | 1.3456% | 437 |
| Net interest margin | 3.1963% | 5,754 |
| Noninterest income to average assets | 1.0882% | 1,207 |
| Noninterest expense to average assets | 1.3783% | 7,067 |
| Loan and lease loss provision to assets | 0.1709% | 3,395 |
| Net operating income to assets | 2.4665% | 187 |
| Return on assets (ROA) | 2.4665% | 214 |
| Pretax return on assets | 2.5543% | 280 |
| Return on Equity (ROE) | 25.7367% | 138 |
| Retained earnings to average equity (ytd only) | 16.4202% | 205 |
| Net charge-offs to loans | -0.0006% | 6,076 |
| Credit loss provision to net charge-offs | -39,900.0000% | 6,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.5874% | 7,144 |
| Assets per employee ($millions) | 9.5622% | 265 |
| Cash dividends to net income (ytd only)* | 36.1994% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 4,885 |
| Loan loss allowance to noncurrent loans | 66,428.5714% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.5304% | 5,434 |
| Noncurrent loans to loans | 0.0020% | 6,727 |
| Net loans and leases to total assets | 73.8305% | 1,274 |
| Net loans and leases to deposits | 86.4549% | 1,536 |
| Net loans and leases to core deposits | 149.9543% | 107 |
| Total domestic deposits to total assets | 85.3977% | 3,664 |
| Equity capital to assets | 9.7354% | 4,709 |
| Core capital (leverage) ratio | 8.8041% | 5,208 |
| Tier 1 risk-based capital ratio | 10.5630% | 6,675 |
| Total risk-based capital ratio | 11.7422% | 6,683 |
| Memoranda: | ||
| Average total assets | $466,823,330 | 1,430 |
| Average earning assets | $440,388,000 | 1,391 |
| Average equity | $44,737,670 | 1,560 |
| Average total loans | $346,618,670 | 1,211 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6246% | 3,386 |
| Cost of funding earning assets | 1.3995% | 428 |
| Net interest margin | 3.2251% | 5,718 |
| Noninterest income to average assets | 1.4250% | 717 |
| Noninterest expense to average assets | 1.2594% | 7,189 |
| Loan and lease loss provision to assets | 0.2151% | 2,798 |
| Net operating income to assets | 2.9967% | 106 |
| Return on assets (ROA) | 2.9967% | 125 |
| Pretax return on assets | 2.9967% | 186 |
| Return on Equity (ROE) | 31.5284% | 91 |
| Retained earnings to average equity (ytd only) | 24.5748% | 101 |
| Net charge-offs to loans | -0.0023% | 5,730 |
| Credit loss provision to net charge-offs | -12,400.0000% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.1668% | 7,241 |
| Assets per employee ($millions) | 9.7739% | 254 |
| Cash dividends to net income (ytd only)* | 22.0550% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 4,979 |
| Loan loss allowance to noncurrent loans | 3,260.8696% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 5,450 |
| Noncurrent loans to loans | 0.0401% | 6,657 |
| Net loans and leases to total assets | 72.3098% | 1,348 |
| Net loans and leases to deposits | 84.6229% | 1,585 |
| Net loans and leases to core deposits | 148.1272% | 116 |
| Total domestic deposits to total assets | 85.4495% | 3,819 |
| Equity capital to assets | 9.6476% | 4,586 |
| Core capital (leverage) ratio | 9.0486% | 4,767 |
| Tier 1 risk-based capital ratio | 10.6704% | 6,686 |
| Total risk-based capital ratio | 11.8510% | 6,692 |
| Memoranda: | ||
| Average total assets | $461,180,000 | 1,445 |
| Average earning assets | $435,583,000 | 1,407 |
| Average equity | $43,833,500 | 1,587 |
| Average total loans | $341,107,500 | 1,236 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0145% | 2,815 |
| Cost of funding earning assets | 1.5526% | 576 |
| Net interest margin | 3.4619% | 5,278 |
| Noninterest income to average assets | 0.6383% | 2,958 |
| Noninterest expense to average assets | 1.9945% | 6,680 |
| Loan and lease loss provision to assets | 0.2125% | 4,067 |
| Net operating income to assets | 1.5649% | 725 |
| Return on assets (ROA) | 1.5649% | 779 |
| Pretax return on assets | 1.6879% | 1,010 |
| Return on Equity (ROE) | 16.8472% | 488 |
| Retained earnings to average equity (ytd only) | 6.2143% | 1,899 |
| Net charge-offs to loans | 0.0123% | 6,256 |
| Credit loss provision to net charge-offs | 2,336.8421% | 97 |
| Earnings coverage of net charge-offs (x) | 208.9737% | 166 |
| Efficiency ratio | 51.2074% | 6,760 |
| Assets per employee ($millions) | 8.8866% | 343 |
| Cash dividends to net income (ytd only)* | 63.1136% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 5,134 |
| Loan loss allowance to noncurrent loans | 1,855.8952% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 5,365 |
| Noncurrent loans to loans | 0.0677% | 6,646 |
| Net loans and leases to total assets | 73.7458% | 1,320 |
| Net loans and leases to deposits | 88.6915% | 1,297 |
| Net loans and leases to core deposits | 164.0877% | 102 |
| Total domestic deposits to total assets | 83.1486% | 4,689 |
| Equity capital to assets | 9.3567% | 5,081 |
| Core capital (leverage) ratio | 8.7356% | 5,199 |
| Tier 1 risk-based capital ratio | 10.8024% | 6,559 |
| Total risk-based capital ratio | 12.0111% | 6,555 |
| Memoranda: | ||
| Average total assets | $417,855,200 | 1,556 |
| Average earning assets | $393,081,000 | 1,519 |
| Average equity | $38,813,600 | 1,737 |
| Average total loans | $308,305,000 | 1,376 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0809% | 2,705 |
| Cost of funding earning assets | 1.5846% | 623 |
| Net interest margin | 3.4962% | 5,206 |
| Noninterest income to average assets | 0.6725% | 2,758 |
| Noninterest expense to average assets | 1.6830% | 7,109 |
| Loan and lease loss provision to assets | 0.1702% | 4,342 |
| Net operating income to assets | 2.0129% | 331 |
| Return on assets (ROA) | 2.0129% | 360 |
| Pretax return on assets | 2.1061% | 513 |
| Return on Equity (ROE) | 21.7144% | 230 |
| Retained earnings to average equity (ytd only) | 9.5755% | 961 |
| Net charge-offs to loans | 0.0098% | 6,022 |
| Credit loss provision to net charge-offs | 2,372.7273% | 112 |
| Earnings coverage of net charge-offs (x) | 317.4371% | 119 |
| Efficiency ratio | 42.5078% | 7,192 |
| Assets per employee ($millions) | 9.1332% | 318 |
| Cash dividends to net income (ytd only)* | 55.9028% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,484 |
| Loan loss allowance to noncurrent loans | 485.6787% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 5,044 |
| Noncurrent loans to loans | 0.2463% | 6,383 |
| Net loans and leases to total assets | 75.0336% | 1,138 |
| Net loans and leases to deposits | 91.0355% | 1,105 |
| Net loans and leases to core deposits | 164.6643% | 98 |
| Total domestic deposits to total assets | 82.4223% | 4,913 |
| Equity capital to assets | 9.6114% | 4,916 |
| Core capital (leverage) ratio | 8.3791% | 5,886 |
| Tier 1 risk-based capital ratio | 9.6139% | 7,035 |
| Total risk-based capital ratio | 10.6957% | 7,059 |
| Memoranda: | ||
| Average total assets | $409,015,250 | 1,594 |
| Average earning assets | $384,518,000 | 1,549 |
| Average equity | $37,915,500 | 1,781 |
| Average total loans | $300,762,000 | 1,422 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2309% | 2,142 |
| Cost of funding earning assets | 1.6091% | 669 |
| Net interest margin | 3.6218% | 4,641 |
| Noninterest income to average assets | 0.4425% | 4,330 |
| Noninterest expense to average assets | 1.6641% | 7,215 |
| Loan and lease loss provision to assets | 0.1308% | 4,659 |
| Net operating income to assets | 1.9524% | 370 |
| Return on assets (ROA) | 1.9524% | 389 |
| Pretax return on assets | 2.0474% | 535 |
| Return on Equity (ROE) | 21.3416% | 258 |
| Retained earnings to average equity (ytd only) | 7.5595% | 1,633 |
| Net charge-offs to loans | 0.0089% | 5,729 |
| Credit loss provision to net charge-offs | 2,023.0769% | 161 |
| Earnings coverage of net charge-offs (x) | 337.0000% | 99 |
| Efficiency ratio | 43.3100% | 7,263 |
| Assets per employee ($millions) | 9.1852% | 308 |
| Cash dividends to net income (ytd only)* | 64.5786% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 5,571 |
| Loan loss allowance to noncurrent loans | 408.7346% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.8746% | 5,125 |
| Noncurrent loans to loans | 0.2923% | 6,332 |
| Net loans and leases to total assets | 73.0366% | 1,588 |
| Net loans and leases to deposits | 88.7607% | 1,399 |
| Net loans and leases to core deposits | 167.8015% | 103 |
| Total domestic deposits to total assets | 82.2848% | 5,068 |
| Equity capital to assets | 9.4444% | 4,902 |
| Core capital (leverage) ratio | 8.7394% | 5,160 |
| Tier 1 risk-based capital ratio | 10.9719% | 6,550 |
| Total risk-based capital ratio | 12.0924% | 6,600 |
| Memoranda: | ||
| Average total assets | $402,266,670 | 1,634 |
| Average earning assets | $377,604,000 | 1,590 |
| Average equity | $36,801,330 | 1,818 |
| Average total loans | $292,352,670 | 1,485 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1817% | 2,294 |
| Cost of funding earning assets | 1.6122% | 781 |
| Net interest margin | 3.5694% | 4,724 |
| Noninterest income to average assets | 0.4386% | 4,378 |
| Noninterest expense to average assets | 1.5799% | 7,317 |
| Loan and lease loss provision to assets | 0.1099% | 4,641 |
| Net operating income to assets | 2.0971% | 300 |
| Return on assets (ROA) | 2.0971% | 311 |
| Pretax return on assets | 2.0971% | 475 |
| Return on Equity (ROE) | 23.3161% | 202 |
| Retained earnings to average equity (ytd only) | 18.1821% | 230 |
| Net charge-offs to loans | 0.0112% | 4,928 |
| Credit loss provision to net charge-offs | 1,362.5000% | 297 |
| Earnings coverage of net charge-offs (x) | 273.6250% | 109 |
| Efficiency ratio | 41.7199% | 7,350 |
| Assets per employee ($millions) | 9.8671% | 253 |
| Cash dividends to net income (ytd only)* | 22.0192% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 5,565 |
| Loan loss allowance to noncurrent loans | 472.4696% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 5,090 |
| Noncurrent loans to loans | 0.2569% | 6,476 |
| Net loans and leases to total assets | 70.4346% | 2,049 |
| Net loans and leases to deposits | 85.5755% | 1,793 |
| Net loans and leases to core deposits | 155.5278% | 139 |
| Total domestic deposits to total assets | 82.3071% | 5,188 |
| Equity capital to assets | 9.2322% | 4,835 |
| Core capital (leverage) ratio | 8.9650% | 4,668 |
| Tier 1 risk-based capital ratio | 11.3180% | 6,240 |
| Total risk-based capital ratio | 12.4511% | 6,321 |
| Memoranda: | ||
| Average total assets | $396,733,000 | 1,668 |
| Average earning assets | $372,158,500 | 1,627 |
| Average equity | $35,683,500 | 1,857 |
| Average total loans | $285,761,500 | 1,536 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7525% | 1,398 |
| Cost of funding earning assets | 1.9745% | 665 |
| Net interest margin | 3.7780% | 4,042 |
| Noninterest income to average assets | 0.4172% | 4,766 |
| Noninterest expense to average assets | 1.7948% | 7,272 |
| Loan and lease loss provision to assets | 0.1726% | 5,492 |
| Net operating income to assets | 1.8683% | 362 |
| Return on assets (ROA) | 1.8764% | 378 |
| Pretax return on assets | 1.9649% | 521 |
| Return on Equity (ROE) | 21.4124% | 181 |
| Retained earnings to average equity (ytd only) | 14.3189% | 150 |
| Net charge-offs to loans | 0.0867% | 5,970 |
| Credit loss provision to net charge-offs | 275.4386% | 988 |
| Earnings coverage of net charge-offs (x) | 33.9781% | 665 |
| Efficiency ratio | 45.7417% | 7,366 |
| Assets per employee ($millions) | 9.7229% | 271 |
| Cash dividends to net income (ytd only)* | 33.1283% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 5,506 |
| Loan loss allowance to noncurrent loans | 878.5530% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.9750% | 5,058 |
| Noncurrent loans to loans | 0.1367% | 6,799 |
| Net loans and leases to total assets | 71.9124% | 2,119 |
| Net loans and leases to deposits | 87.8827% | 1,809 |
| Net loans and leases to core deposits | 133.6510% | 291 |
| Total domestic deposits to total assets | 81.8276% | 5,236 |
| Equity capital to assets | 8.7469% | 5,515 |
| Core capital (leverage) ratio | 8.5298% | 5,304 |
| Tier 1 risk-based capital ratio | 10.8114% | 6,476 |
| Total risk-based capital ratio | 11.9237% | 6,558 |
| Memoranda: | ||
| Average total assets | $363,885,400 | 1,800 |
| Average earning assets | $337,748,200 | 1,766 |
| Average equity | $31,888,000 | 2,060 |
| Average total loans | $263,039,200 | 1,685 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7581% | 1,519 |
| Cost of funding earning assets | 2.0290% | 693 |
| Net interest margin | 3.7291% | 4,272 |
| Noninterest income to average assets | 0.4511% | 4,553 |
| Noninterest expense to average assets | 1.5215% | 7,541 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.2855% | 195 |
| Return on assets (ROA) | 2.2966% | 206 |
| Pretax return on assets | 2.3939% | 274 |
| Return on Equity (ROE) | 26.1936% | 94 |
| Retained earnings to average equity (ytd only) | 19.1222% | 96 |
| Net charge-offs to loans | 0.0005% | 6,668 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 6,405.8571% | 3 |
| Efficiency ratio | 38.9743% | 7,600 |
| Assets per employee ($millions) | 9.2434% | 323 |
| Cash dividends to net income (ytd only)* | 26.9968% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 5,949 |
| Loan loss allowance to noncurrent loans | 1,194.8207% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 5,209 |
| Noncurrent loans to loans | 0.0920% | 7,000 |
| Net loans and leases to total assets | 71.2123% | 2,432 |
| Net loans and leases to deposits | 89.8863% | 1,739 |
| Net loans and leases to core deposits | 150.7538% | 191 |
| Total domestic deposits to total assets | 79.2248% | 5,962 |
| Equity capital to assets | 9.1788% | 5,340 |
| Core capital (leverage) ratio | 8.4245% | 5,657 |
| Tier 1 risk-based capital ratio | 10.4222% | 6,818 |
| Total risk-based capital ratio | 11.4334% | 6,946 |
| Memoranda: | ||
| Average total assets | $357,628,000 | 1,850 |
| Average earning assets | $331,119,750 | 1,831 |
| Average equity | $31,355,500 | 2,105 |
| Average total loans | $258,029,500 | 1,738 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6770% | 1,847 |
| Cost of funding earning assets | 2.0760% | 719 |
| Net interest margin | 3.6009% | 4,806 |
| Noninterest income to average assets | 0.5364% | 3,823 |
| Noninterest expense to average assets | 1.4276% | 7,650 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.3634% | 176 |
| Return on assets (ROA) | 2.3805% | 179 |
| Pretax return on assets | 2.4519% | 250 |
| Return on Equity (ROE) | 27.6182% | 79 |
| Retained earnings to average equity (ytd only) | 20.8725% | 75 |
| Net charge-offs to loans | 0.0071% | 6,260 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 474.0000% | 67 |
| Efficiency ratio | 36.9681% | 7,685 |
| Assets per employee ($millions) | 8.7985% | 364 |
| Cash dividends to net income (ytd only)* | 24.4247% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 5,746 |
| Loan loss allowance to noncurrent loans | 920.3077% | 374 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 4,658 |
| Noncurrent loans to loans | 0.1238% | 7,020 |
| Net loans and leases to total assets | 71.9204% | 2,425 |
| Net loans and leases to deposits | 91.6637% | 1,583 |
| Net loans and leases to core deposits | 154.5889% | 193 |
| Total domestic deposits to total assets | 78.4612% | 6,156 |
| Equity capital to assets | 8.8305% | 5,705 |
| Core capital (leverage) ratio | 8.3154% | 5,735 |
| Tier 1 risk-based capital ratio | 10.8722% | 6,383 |
| Total risk-based capital ratio | 11.9721% | 6,495 |
| Memoranda: | ||
| Average total assets | $350,510,330 | 1,908 |
| Average earning assets | $323,694,330 | 1,873 |
| Average equity | $30,212,000 | 2,181 |
| Average total loans | $253,079,330 | 1,792 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6622% | 1,914 |
| Cost of funding earning assets | 2.1287% | 739 |
| Net interest margin | 3.5335% | 5,020 |
| Noninterest income to average assets | 0.5698% | 3,488 |
| Noninterest expense to average assets | 1.3480% | 7,782 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.4725% | 155 |
| Return on assets (ROA) | 2.4725% | 171 |
| Pretax return on assets | 2.4725% | 262 |
| Return on Equity (ROE) | 29.0570% | 99 |
| Retained earnings to average equity (ytd only) | 25.8451% | 97 |
| Net charge-offs to loans | 0.0097% | 5,457 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 355.8333% | 78 |
| Efficiency ratio | 35.2834% | 7,799 |
| Assets per employee ($millions) | 8.6438% | 398 |
| Cash dividends to net income (ytd only)* | 11.0539% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 5,508 |
| Loan loss allowance to noncurrent loans | 962.7010% | 353 |
| Noncurrent assets plus other real estate owned to assets | 1.9004% | 3,635 |
| Noncurrent loans to loans | 0.1245% | 7,098 |
| Net loans and leases to total assets | 69.6260% | 3,025 |
| Net loans and leases to deposits | 88.6653% | 2,102 |
| Net loans and leases to core deposits | 147.5633% | 257 |
| Total domestic deposits to total assets | 78.5268% | 6,199 |
| Equity capital to assets | 8.5472% | 5,942 |
| Core capital (leverage) ratio | 8.2338% | 5,859 |
| Tier 1 risk-based capital ratio | 10.9098% | 6,243 |
| Total risk-based capital ratio | 12.0635% | 6,313 |
| Memoranda: | ||
| Average total assets | $345,396,000 | 1,984 |
| Average earning assets | $317,757,500 | 1,962 |
| Average equity | $29,390,500 | 2,251 |
| Average total loans | $248,401,000 | 1,877 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0176% | 1,797 |
| Cost of funding earning assets | 2.6198% | 736 |
| Net interest margin | 3.3978% | 5,377 |
| Noninterest income to average assets | 0.3050% | 5,910 |
| Noninterest expense to average assets | 1.8044% | 7,602 |
| Loan and lease loss provision to assets | 0.1694% | 5,994 |
| Net operating income to assets | 1.4021% | 847 |
| Return on assets (ROA) | 1.3736% | 946 |
| Pretax return on assets | 1.4457% | 1,320 |
| Return on Equity (ROE) | 18.6562% | 323 |
| Retained earnings to average equity (ytd only) | 3.8420% | 2,515 |
| Net charge-offs to loans | 0.0964% | 6,172 |
| Credit loss provision to net charge-offs | 237.1681% | 1,524 |
| Earnings coverage of net charge-offs (x) | 23.0310% | 945 |
| Efficiency ratio | 52.3090% | 7,362 |
| Assets per employee ($millions) | 8.4099% | 426 |
| Cash dividends to net income (ytd only)* | 79.4064% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 5,272 |
| Loan loss allowance to noncurrent loans | 105.0420% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 3.0470% | 2,289 |
| Noncurrent loans to loans | 1.1560% | 5,015 |
| Net loans and leases to total assets | 72.5503% | 2,620 |
| Net loans and leases to deposits | 94.4603% | 1,539 |
| Net loans and leases to core deposits | 151.8088% | 468 |
| Total domestic deposits to total assets | 76.8051% | 6,529 |
| Equity capital to assets | 8.4692% | 5,928 |
| Core capital (leverage) ratio | 7.9615% | 6,245 |
| Tier 1 risk-based capital ratio | 10.2328% | 6,653 |
| Total risk-based capital ratio | 11.3951% | 6,712 |
| Memoranda: | ||
| Average total assets | $316,389,600 | 2,125 |
| Average earning assets | $292,808,000 | 2,111 |
| Average equity | $23,295,200 | 2,797 |
| Average total loans | $234,386,800 | 2,000 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9979% | 2,049 |
| Cost of funding earning assets | 2.6868% | 818 |
| Net interest margin | 3.3110% | 5,600 |
| Noninterest income to average assets | 0.3006% | 6,071 |
| Noninterest expense to average assets | 1.5744% | 7,851 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7196% | 540 |
| Return on assets (ROA) | 1.6798% | 621 |
| Pretax return on assets | 1.7577% | 871 |
| Return on Equity (ROE) | 23.7790% | 137 |
| Retained earnings to average equity (ytd only) | 5.2492% | 2,345 |
| Net charge-offs to loans | 0.0161% | 6,692 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 150.0812% | 257 |
| Efficiency ratio | 46.6684% | 7,739 |
| Assets per employee ($millions) | 8.5080% | 428 |
| Cash dividends to net income (ytd only)* | 77.9250% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 5,811 |
| Loan loss allowance to noncurrent loans | 60.9014% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 2.8753% | 2,421 |
| Noncurrent loans to loans | 1.7821% | 3,936 |
| Net loans and leases to total assets | 71.2889% | 3,201 |
| Net loans and leases to deposits | 94.0987% | 1,870 |
| Net loans and leases to core deposits | 156.0287% | 460 |
| Total domestic deposits to total assets | 75.7597% | 6,629 |
| Equity capital to assets | 8.5705% | 6,153 |
| Core capital (leverage) ratio | 8.1621% | 6,083 |
| Tier 1 risk-based capital ratio | 10.3039% | 6,677 |
| Total risk-based capital ratio | 11.3435% | 6,828 |
| Memoranda: | ||
| Average total assets | $311,387,750 | 2,167 |
| Average earning assets | $289,006,000 | 2,143 |
| Average equity | $21,996,500 | 2,973 |
| Average total loans | $231,219,250 | 2,048 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1654% | 1,573 |
| Cost of funding earning assets | 2.7651% | 864 |
| Net interest margin | 3.4002% | 5,169 |
| Noninterest income to average assets | 0.3089% | 6,039 |
| Noninterest expense to average assets | 1.4151% | 8,006 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0031% | 292 |
| Return on assets (ROA) | 2.0057% | 319 |
| Pretax return on assets | 2.0653% | 472 |
| Return on Equity (ROE) | 30.8676% | 67 |
| Retained earnings to average equity (ytd only) | 0.8263% | 4,856 |
| Net charge-offs to loans | 0.0115% | 6,398 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 239.3846% | 170 |
| Efficiency ratio | 40.6899% | 8,007 |
| Assets per employee ($millions) | 7.9149% | 510 |
| Cash dividends to net income (ytd only)* | 97.3232% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 5,263 |
| Loan loss allowance to noncurrent loans | 46.6620% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 3.5898% | 1,727 |
| Noncurrent loans to loans | 2.4662% | 2,932 |
| Net loans and leases to total assets | 72.6312% | 3,057 |
| Net loans and leases to deposits | 97.1897% | 1,639 |
| Net loans and leases to core deposits | 167.3369% | 353 |
| Total domestic deposits to total assets | 74.7314% | 6,817 |
| Equity capital to assets | 7.2304% | 7,464 |
| Core capital (leverage) ratio | 7.5050% | 7,005 |
| Tier 1 risk-based capital ratio | 9.4463% | 7,439 |
| Total risk-based capital ratio | 10.5410% | 7,534 |
| Memoranda: | ||
| Average total assets | $301,744,330 | 2,246 |
| Average earning assets | $281,216,670 | 2,214 |
| Average equity | $19,606,330 | 3,305 |
| Average total loans | $226,535,330 | 2,107 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2080% | 1,572 |
| Cost of funding earning assets | 2.8451% | 879 |
| Net interest margin | 3.3629% | 5,278 |
| Noninterest income to average assets | 0.3819% | 5,368 |
| Noninterest expense to average assets | 1.4066% | 8,040 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1174% | 273 |
| Return on assets (ROA) | 2.1174% | 320 |
| Pretax return on assets | 2.1174% | 524 |
| Return on Equity (ROE) | 34.6916% | 60 |
| Retained earnings to average equity (ytd only) | 30.7949% | 51 |
| Net charge-offs to loans | 0.0251% | 5,196 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 111.2857% | 395 |
| Efficiency ratio | 39.9152% | 8,051 |
| Assets per employee ($millions) | 7.6998% | 571 |
| Cash dividends to net income (ytd only)* | 11.2323% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 5,017 |
| Loan loss allowance to noncurrent loans | 983.8235% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 6,450 |
| Noncurrent loans to loans | 0.1184% | 7,183 |
| Net loans and leases to total assets | 75.6185% | 2,358 |
| Net loans and leases to deposits | 103.0398% | 1,092 |
| Net loans and leases to core deposits | 177.7260% | 257 |
| Total domestic deposits to total assets | 73.3877% | 6,983 |
| Equity capital to assets | 6.3984% | 7,905 |
| Core capital (leverage) ratio | 6.9501% | 7,666 |
| Tier 1 risk-based capital ratio | 8.5856% | 7,926 |
| Total risk-based capital ratio | 9.7330% | 7,984 |
| Memoranda: | ||
| Average total assets | $294,319,500 | 2,309 |
| Average earning assets | $275,001,500 | 2,265 |
| Average equity | $17,964,000 | 3,566 |
| Average total loans | $223,491,500 | 2,152 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3376% | 3,743 |
| Cost of funding earning assets | 3.4779% | 558 |
| Net interest margin | 2.8597% | 7,236 |
| Noninterest income to average assets | 0.2821% | 6,446 |
| Noninterest expense to average assets | 1.4294% | 8,059 |
| Loan and lease loss provision to assets | 0.2394% | 4,507 |
| Net operating income to assets | 1.2299% | 1,686 |
| Return on assets (ROA) | 1.1992% | 1,701 |
| Pretax return on assets | 1.2516% | 2,474 |
| Return on Equity (ROE) | 17.0537% | 626 |
| Retained earnings to average equity (ytd only) | -11.6067% | 7,215 |
| Net charge-offs to loans | 0.0915% | 5,423 |
| Credit loss provision to net charge-offs | 350.5435% | 1,288 |
| Earnings coverage of net charge-offs (x) | 22.2989% | 1,477 |
| Efficiency ratio | 48.4159% | 7,772 |
| Assets per employee ($millions) | 7.7931% | 495 |
| Cash dividends to net income (ytd only)* | 168.0594% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 4,246 |
| Loan loss allowance to noncurrent loans | 723.1183% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 6,673 |
| Noncurrent loans to loans | 0.1712% | 6,876 |
| Net loans and leases to total assets | 74.4037% | 3,011 |
| Net loans and leases to deposits | 106.7799% | 1,063 |
| Net loans and leases to core deposits | 166.1632% | 475 |
| Total domestic deposits to total assets | 69.6795% | 7,315 |
| Equity capital to assets | 5.7965% | 8,096 |
| Core capital (leverage) ratio | 6.7036% | 7,858 |
| Tier 1 risk-based capital ratio | 8.4634% | 8,001 |
| Total risk-based capital ratio | 9.6848% | 8,057 |
| Memoranda: | ||
| Average total assets | $269,420,000 | 2,388 |
| Average earning assets | $251,561,600 | 2,359 |
| Average equity | $18,946,000 | 3,407 |
| Average total loans | $201,141,200 | 2,285 |