Home > Newfield National Bank > Performance and Condition Ratios
Newfield National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 3,990 |
| Cost of funding earning assets | 0.5923% | 4,079 |
| Net interest margin | 3.3930% | 2,416 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.1440% | 3,279 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0243% | 2,143 |
| Return on assets (ROA) | 1.0237% | 2,123 |
| Pretax return on assets | 1.2408% | 2,029 |
| Return on Equity (ROE) | 22.6800% | 414 |
| Retained earnings to average equity (ytd only) | 18.2617% | 181 |
| Net charge-offs to loans | 0.0464% | 1,417 |
| Credit loss provision to net charge-offs | 38.7850% | 2,243 |
| Earnings coverage of net charge-offs (x) | 53.2196% | 1,260 |
| Efficiency ratio | 62.8017% | 2,754 |
| Assets per employee ($millions) | 5.9348% | 2,875 |
| Cash dividends to net income (ytd only)* | 19.4641% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 1,493 |
| Loan loss allowance to noncurrent loans | 728.1903% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 2,874 |
| Noncurrent loans to loans | 0.1887% | 2,569 |
| Net loans and leases to total assets | 50.6100% | 3,559 |
| Net loans and leases to deposits | 54.4269% | 3,766 |
| Net loans and leases to core deposits | 55.3208% | 3,937 |
| Total domestic deposits to total assets | 92.9900% | 176 |
| Equity capital to assets | 5.6604% | 4,308 |
| Core capital (leverage) ratio | 8.6683% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3289% | 862 |
| Memoranda: | ||
| Average total assets | $896,818,400 | 1,088 |
| Average earning assets | $844,059,800 | 1,065 |
| Average equity | $40,489,200 | 1,871 |
| Average total loans | $461,530,200 | 1,321 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9295% | 3,957 |
| Cost of funding earning assets | 0.5031% | 4,130 |
| Net interest margin | 3.4264% | 2,404 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.1353% | 3,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1009% | 2,051 |
| Return on assets (ROA) | 1.1002% | 2,037 |
| Pretax return on assets | 1.3446% | 1,913 |
| Return on Equity (ROE) | 26.0000% | 353 |
| Retained earnings to average equity (ytd only) | 22.0966% | 191 |
| Net charge-offs to loans | -0.0040% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.3787% | 2,797 |
| Assets per employee ($millions) | 6.0856% | 2,667 |
| Cash dividends to net income (ytd only)* | 15.0256% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 1,628 |
| Loan loss allowance to noncurrent loans | 609.7466% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 2,290 |
| Noncurrent loans to loans | 0.2227% | 2,460 |
| Net loans and leases to total assets | 51.5000% | 3,529 |
| Net loans and leases to deposits | 53.6359% | 3,805 |
| Net loans and leases to core deposits | 55.4331% | 3,884 |
| Total domestic deposits to total assets | 96.0200% | 79 |
| Equity capital to assets | 3.6585% | 4,441 |
| Core capital (leverage) ratio | 8.5623% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8353% | 968 |
| Memoranda: | ||
| Average total assets | $898,466,500 | 1,092 |
| Average earning assets | $844,529,250 | 1,063 |
| Average equity | $38,014,000 | 1,931 |
| Average total loans | $462,698,750 | 1,311 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8300% | 3,983 |
| Cost of funding earning assets | 0.3996% | 4,169 |
| Net interest margin | 3.4303% | 2,444 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.1095% | 3,321 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0805% | 2,172 |
| Return on assets (ROA) | 1.0794% | 2,175 |
| Pretax return on assets | 1.3191% | 2,023 |
| Return on Equity (ROE) | 24.4400% | 405 |
| Retained earnings to average equity (ytd only) | 20.7292% | 225 |
| Net charge-offs to loans | -0.0052% | 3,724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.9956% | 2,843 |
| Assets per employee ($millions) | 6.0216% | 2,692 |
| Cash dividends to net income (ytd only)* | 15.1702% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 1,519 |
| Loan loss allowance to noncurrent loans | 765.4971% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 2,331 |
| Noncurrent loans to loans | 0.1834% | 2,555 |
| Net loans and leases to total assets | 51.5700% | 3,443 |
| Net loans and leases to deposits | 54.7187% | 3,710 |
| Net loans and leases to core deposits | 57.1905% | 3,758 |
| Total domestic deposits to total assets | 94.2400% | 135 |
| Equity capital to assets | 4.7020% | 4,418 |
| Core capital (leverage) ratio | 8.4098% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2082% | 1,083 |
| Memoranda: | ||
| Average total assets | $903,819,000 | 1,078 |
| Average earning assets | $850,767,000 | 1,052 |
| Average equity | $39,924,333 | 1,884 |
| Average total loans | $463,367,333 | 1,297 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7551% | 3,934 |
| Cost of funding earning assets | 0.3165% | 4,149 |
| Net interest margin | 3.4387% | 2,533 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.1250% | 3,321 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0534% | 2,368 |
| Return on assets (ROA) | 1.0513% | 2,343 |
| Pretax return on assets | 1.2811% | 2,225 |
| Return on Equity (ROE) | 24.5700% | 424 |
| Retained earnings to average equity (ytd only) | 20.8247% | 331 |
| Net charge-offs to loans | -0.0104% | 3,853 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.4436% | 2,759 |
| Assets per employee ($millions) | 6.2436% | 2,543 |
| Cash dividends to net income (ytd only)* | 15.2592% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 1,563 |
| Loan loss allowance to noncurrent loans | 742.0753% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 2,284 |
| Noncurrent loans to loans | 0.1908% | 2,519 |
| Net loans and leases to total assets | 50.0400% | 3,492 |
| Net loans and leases to deposits | 52.6904% | 3,756 |
| Net loans and leases to core deposits | 53.3911% | 3,857 |
| Total domestic deposits to total assets | 94.9800% | 91 |
| Equity capital to assets | 4.7024% | 4,465 |
| Core capital (leverage) ratio | 8.1691% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0188% | 1,147 |
| Memoranda: | ||
| Average total assets | $910,132,000 | 1,087 |
| Average earning assets | $856,961,000 | 1,060 |
| Average equity | $38,934,500 | 1,932 |
| Average total loans | $462,006,500 | 1,312 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0814% | 4,024 |
| Cost of funding earning assets | 0.2085% | 3,692 |
| Net interest margin | 2.8729% | 3,747 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.0473% | 3,451 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.7778% | 3,404 |
| Return on assets (ROA) | 0.7778% | 3,340 |
| Pretax return on assets | 0.9216% | 3,293 |
| Return on Equity (ROE) | 15.8900% | 1,074 |
| Retained earnings to average equity (ytd only) | 12.0720% | 652 |
| Net charge-offs to loans | -0.0125% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.3124% | 1,785 |
| Assets per employee ($millions) | 6.4432% | 2,385 |
| Cash dividends to net income (ytd only)* | 24.0515% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 1,951 |
| Loan loss allowance to noncurrent loans | 491.3043% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 2,116 |
| Noncurrent loans to loans | 0.2625% | 2,218 |
| Net loans and leases to total assets | 50.1100% | 3,498 |
| Net loans and leases to deposits | 52.4584% | 3,769 |
| Net loans and leases to core deposits | 53.0839% | 3,862 |
| Total domestic deposits to total assets | 95.5200% | 105 |
| Equity capital to assets | 3.8579% | 4,536 |
| Core capital (leverage) ratio | 8.3812% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4702% | 1,245 |
| Memoranda: | ||
| Average total assets | $928,566,200 | 1,046 |
| Average earning assets | $879,573,600 | 1,016 |
| Average equity | $45,435,800 | 1,742 |
| Average total loans | $455,583,000 | 1,258 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9259% | 4,022 |
| Cost of funding earning assets | 0.2008% | 3,263 |
| Net interest margin | 2.7251% | 3,876 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.0049% | 3,476 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.6804% | 3,619 |
| Return on assets (ROA) | 0.6804% | 3,579 |
| Pretax return on assets | 0.7937% | 3,595 |
| Return on Equity (ROE) | 13.2200% | 1,636 |
| Retained earnings to average equity (ytd only) | 10.2199% | 1,281 |
| Net charge-offs to loans | -0.0109% | 3,741 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.7349% | 1,680 |
| Assets per employee ($millions) | 6.3280% | 2,460 |
| Cash dividends to net income (ytd only)* | 22.6871% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 1,824 |
| Loan loss allowance to noncurrent loans | 536.7932% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 2,167 |
| Noncurrent loans to loans | 0.2507% | 2,376 |
| Net loans and leases to total assets | 50.8100% | 3,397 |
| Net loans and leases to deposits | 52.4428% | 3,703 |
| Net loans and leases to core deposits | 53.1164% | 3,802 |
| Total domestic deposits to total assets | 96.9000% | 85 |
| Equity capital to assets | 2.8935% | 4,598 |
| Core capital (leverage) ratio | 8.0328% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6719% | 1,511 |
| Memoranda: | ||
| Average total assets | $931,973,000 | 1,053 |
| Average earning assets | $884,639,000 | 1,022 |
| Average equity | $47,970,500 | 1,692 |
| Average total loans | $453,369,000 | 1,257 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7578% | 4,054 |
| Cost of funding earning assets | 0.1960% | 2,970 |
| Net interest margin | 2.5619% | 3,975 |
| Noninterest income to average assets | 0.2506% | 3,669 |
| Noninterest expense to average assets | 1.9785% | 3,490 |
| Loan and lease loss provision to assets | 0.0160% | 2,312 |
| Net operating income to assets | 0.6063% | 3,612 |
| Return on assets (ROA) | 0.6063% | 3,558 |
| Pretax return on assets | 0.6956% | 3,585 |
| Return on Equity (ROE) | 10.3065% | 2,229 |
| Retained earnings to average equity (ytd only) | 7.7081% | 1,726 |
| Net charge-offs to loans | -0.0125% | 3,673 |
| Credit loss provision to net charge-offs | -267.8571% | 3,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5476% | 1,567 |
| Assets per employee ($millions) | 6.5830% | 2,251 |
| Cash dividends to net income (ytd only)* | 25.2113% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 2,033 |
| Loan loss allowance to noncurrent loans | 408.1956% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 2,051 |
| Noncurrent loans to loans | 0.3266% | 2,172 |
| Net loans and leases to total assets | 49.9578% | 3,384 |
| Net loans and leases to deposits | 52.9127% | 3,613 |
| Net loans and leases to core deposits | 53.5699% | 3,723 |
| Total domestic deposits to total assets | 94.4154% | 211 |
| Equity capital to assets | 4.3033% | 4,588 |
| Core capital (leverage) ratio | 7.8542% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5145% | 1,568 |
| Memoranda: | ||
| Average total assets | $936,775,667 | 1,044 |
| Average earning assets | $892,011,333 | 1,019 |
| Average equity | $55,110,667 | 1,545 |
| Average total loans | $446,953,000 | 1,267 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6229% | 4,084 |
| Cost of funding earning assets | 0.1988% | 2,821 |
| Net interest margin | 2.4240% | 4,028 |
| Noninterest income to average assets | 0.2503% | 3,645 |
| Noninterest expense to average assets | 1.9661% | 3,517 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5382% | 3,600 |
| Return on assets (ROA) | 0.5382% | 3,566 |
| Pretax return on assets | 0.6049% | 3,621 |
| Return on Equity (ROE) | 8.0981% | 2,652 |
| Retained earnings to average equity (ytd only) | 5.8624% | 2,289 |
| Net charge-offs to loans | -0.0064% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4735% | 1,466 |
| Assets per employee ($millions) | 6.7306% | 2,199 |
| Cash dividends to net income (ytd only)* | 27.6078% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 1,975 |
| Loan loss allowance to noncurrent loans | 405.1299% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 2,164 |
| Noncurrent loans to loans | 0.3418% | 2,258 |
| Net loans and leases to total assets | 46.2956% | 3,550 |
| Net loans and leases to deposits | 49.1713% | 3,800 |
| Net loans and leases to core deposits | 49.7695% | 3,888 |
| Total domestic deposits to total assets | 94.1516% | 102 |
| Equity capital to assets | 5.7046% | 4,638 |
| Core capital (leverage) ratio | 7.4976% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6414% | 1,603 |
| Memoranda: | ||
| Average total assets | $947,646,000 | 1,038 |
| Average earning assets | $907,249,500 | 1,007 |
| Average equity | $62,977,500 | 1,433 |
| Average total loans | $438,776,000 | 1,274 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7505% | 4,261 |
| Cost of funding earning assets | 0.1983% | 3,484 |
| Net interest margin | 2.5523% | 4,116 |
| Noninterest income to average assets | 0.3040% | 3,591 |
| Noninterest expense to average assets | 2.0528% | 3,523 |
| Loan and lease loss provision to assets | 0.0450% | 2,157 |
| Net operating income to assets | 0.5513% | 3,980 |
| Return on assets (ROA) | 0.5615% | 4,006 |
| Pretax return on assets | 0.6620% | 4,008 |
| Return on Equity (ROE) | 7.0134% | 3,516 |
| Retained earnings to average equity (ytd only) | 5.0511% | 2,766 |
| Net charge-offs to loans | 0.0034% | 2,492 |
| Credit loss provision to net charge-offs | 2,666.6667% | 249 |
| Earnings coverage of net charge-offs (x) | 412.0000% | 318 |
| Efficiency ratio | 74.7074% | 1,235 |
| Assets per employee ($millions) | 7.1622% | 1,820 |
| Cash dividends to net income (ytd only)* | 27.9792% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 1,971 |
| Loan loss allowance to noncurrent loans | 398.7525% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 2,349 |
| Noncurrent loans to loans | 0.3474% | 2,335 |
| Net loans and leases to total assets | 45.0413% | 3,763 |
| Net loans and leases to deposits | 48.8438% | 3,955 |
| Net loans and leases to core deposits | 49.4779% | 4,031 |
| Total domestic deposits to total assets | 92.2149% | 129 |
| Equity capital to assets | 7.5630% | 4,570 |
| Core capital (leverage) ratio | 7.5048% | 4,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7652% | 1,591 |
| Memoranda: | ||
| Average total assets | $889,212,600 | 1,055 |
| Average earning assets | $851,443,800 | 1,034 |
| Average equity | $71,192,400 | 1,333 |
| Average total loans | $443,063,200 | 1,278 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7865% | 4,310 |
| Cost of funding earning assets | 0.1961% | 3,646 |
| Net interest margin | 2.5904% | 4,145 |
| Noninterest income to average assets | 0.3217% | 3,505 |
| Noninterest expense to average assets | 2.0984% | 3,368 |
| Loan and lease loss provision to assets | 0.0612% | 1,770 |
| Net operating income to assets | 0.5395% | 4,120 |
| Return on assets (ROA) | 0.5524% | 4,140 |
| Pretax return on assets | 0.6552% | 4,150 |
| Return on Equity (ROE) | 6.7960% | 3,720 |
| Retained earnings to average equity (ytd only) | 4.8293% | 3,281 |
| Net charge-offs to loans | 0.0396% | 1,299 |
| Credit loss provision to net charge-offs | 303.0303% | 996 |
| Earnings coverage of net charge-offs (x) | 34.7197% | 1,450 |
| Efficiency ratio | 74.9563% | 1,131 |
| Assets per employee ($millions) | 6.7194% | 2,079 |
| Cash dividends to net income (ytd only)* | 28.9394% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 2,238 |
| Loan loss allowance to noncurrent loans | 455.3517% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 2,245 |
| Noncurrent loans to loans | 0.2960% | 2,727 |
| Net loans and leases to total assets | 47.7044% | 3,653 |
| Net loans and leases to deposits | 51.8367% | 3,897 |
| Net loans and leases to core deposits | 52.5780% | 4,008 |
| Total domestic deposits to total assets | 92.0283% | 119 |
| Equity capital to assets | 7.7523% | 4,636 |
| Core capital (leverage) ratio | 7.7079% | 4,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8039% | 1,684 |
| Memoranda: | ||
| Average total assets | $871,581,250 | 1,082 |
| Average earning assets | $833,679,250 | 1,063 |
| Average equity | $70,844,250 | 1,357 |
| Average total loans | $444,241,250 | 1,299 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8525% | 4,284 |
| Cost of funding earning assets | 0.1957% | 3,800 |
| Net interest margin | 2.6569% | 4,068 |
| Noninterest income to average assets | 0.3398% | 3,407 |
| Noninterest expense to average assets | 2.1346% | 3,284 |
| Loan and lease loss provision to assets | 0.0758% | 1,573 |
| Net operating income to assets | 0.5698% | 4,048 |
| Return on assets (ROA) | 0.5896% | 4,058 |
| Pretax return on assets | 0.6929% | 4,080 |
| Return on Equity (ROE) | 7.1368% | 3,623 |
| Retained earnings to average equity (ytd only) | 5.1804% | 3,123 |
| Net charge-offs to loans | 0.0661% | 958 |
| Credit loss provision to net charge-offs | 221.0884% | 1,011 |
| Earnings coverage of net charge-offs (x) | 21.7415% | 1,501 |
| Efficiency ratio | 74.1173% | 1,237 |
| Assets per employee ($millions) | 6.1387% | 2,485 |
| Cash dividends to net income (ytd only)* | 27.4130% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 2,361 |
| Loan loss allowance to noncurrent loans | 416.8443% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 2,219 |
| Noncurrent loans to loans | 0.3158% | 2,789 |
| Net loans and leases to total assets | 50.0923% | 3,548 |
| Net loans and leases to deposits | 54.7676% | 3,811 |
| Net loans and leases to core deposits | 55.5144% | 3,925 |
| Total domestic deposits to total assets | 91.4634% | 236 |
| Equity capital to assets | 8.2306% | 4,412 |
| Core capital (leverage) ratio | 7.9171% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1200% | 1,594 |
| Memoranda: | ||
| Average total assets | $857,493,667 | 1,088 |
| Average earning assets | $819,829,667 | 1,066 |
| Average equity | $70,844,333 | 1,345 |
| Average total loans | $445,021,667 | 1,303 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7417% | 4,439 |
| Cost of funding earning assets | 0.2011% | 3,905 |
| Net interest margin | 2.5406% | 4,243 |
| Noninterest income to average assets | 0.3862% | 3,171 |
| Noninterest expense to average assets | 2.1900% | 3,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5150% | 4,147 |
| Return on assets (ROA) | 0.5514% | 4,111 |
| Pretax return on assets | 0.6685% | 4,083 |
| Return on Equity (ROE) | 6.6609% | 3,689 |
| Retained earnings to average equity (ytd only) | 4.7105% | 3,311 |
| Net charge-offs to loans | -0.0036% | 3,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8225% | 969 |
| Assets per employee ($millions) | 5.8339% | 2,757 |
| Cash dividends to net income (ytd only)* | 29.2808% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 2,453 |
| Loan loss allowance to noncurrent loans | 193.1116% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5323% | 1,784 |
| Noncurrent loans to loans | 0.6711% | 1,904 |
| Net loans and leases to total assets | 50.8886% | 3,550 |
| Net loans and leases to deposits | 55.5504% | 3,828 |
| Net loans and leases to core deposits | 56.3097% | 3,955 |
| Total domestic deposits to total assets | 91.6081% | 222 |
| Equity capital to assets | 8.1230% | 4,415 |
| Core capital (leverage) ratio | 8.0449% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4751% | 1,437 |
| Memoranda: | ||
| Average total assets | $847,324,500 | 1,094 |
| Average earning assets | $809,730,500 | 1,069 |
| Average equity | $70,141,000 | 1,352 |
| Average total loans | $444,737,000 | 1,293 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2173% | 4,433 |
| Cost of funding earning assets | 0.2994% | 4,149 |
| Net interest margin | 2.9179% | 4,080 |
| Noninterest income to average assets | 0.3202% | 3,541 |
| Noninterest expense to average assets | 2.3907% | 3,160 |
| Loan and lease loss provision to assets | 0.0523% | 3,721 |
| Net operating income to assets | 0.5526% | 3,902 |
| Return on assets (ROA) | 0.5937% | 3,883 |
| Pretax return on assets | 0.6970% | 3,886 |
| Return on Equity (ROE) | 6.6080% | 3,364 |
| Retained earnings to average equity (ytd only) | 4.6216% | 2,467 |
| Net charge-offs to loans | 0.0471% | 2,123 |
| Credit loss provision to net charge-offs | 191.3876% | 2,201 |
| Earnings coverage of net charge-offs (x) | 25.6507% | 1,737 |
| Efficiency ratio | 77.3281% | 1,099 |
| Assets per employee ($millions) | 5.6571% | 2,680 |
| Cash dividends to net income (ytd only)* | 30.0595% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,604 |
| Loan loss allowance to noncurrent loans | 188.9997% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 1,749 |
| Noncurrent loans to loans | 0.6682% | 2,017 |
| Net loans and leases to total assets | 52.7527% | 3,607 |
| Net loans and leases to deposits | 57.8054% | 3,902 |
| Net loans and leases to core deposits | 58.6748% | 4,017 |
| Total domestic deposits to total assets | 91.2591% | 165 |
| Equity capital to assets | 8.4345% | 4,490 |
| Core capital (leverage) ratio | 7.9680% | 4,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6610% | 1,357 |
| Memoranda: | ||
| Average total assets | $764,847,000 | 1,093 |
| Average earning assets | $726,441,400 | 1,067 |
| Average equity | $68,720,200 | 1,307 |
| Average total loans | $443,381,000 | 1,245 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3243% | 4,443 |
| Cost of funding earning assets | 0.3199% | 4,217 |
| Net interest margin | 3.0044% | 3,969 |
| Noninterest income to average assets | 0.2900% | 3,749 |
| Noninterest expense to average assets | 2.4688% | 2,938 |
| Loan and lease loss provision to assets | 0.0627% | 3,557 |
| Net operating income to assets | 0.5107% | 3,999 |
| Return on assets (ROA) | 0.5435% | 4,017 |
| Pretax return on assets | 0.6472% | 4,014 |
| Return on Equity (ROE) | 5.9457% | 3,577 |
| Retained earnings to average equity (ytd only) | 3.9455% | 3,078 |
| Net charge-offs to loans | 0.0441% | 1,994 |
| Credit loss provision to net charge-offs | 239.7260% | 1,964 |
| Earnings coverage of net charge-offs (x) | 25.6849% | 1,715 |
| Efficiency ratio | 78.6337% | 974 |
| Assets per employee ($millions) | 5.1664% | 3,052 |
| Cash dividends to net income (ytd only)* | 33.6406% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 2,358 |
| Loan loss allowance to noncurrent loans | 212.4860% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 1,993 |
| Noncurrent loans to loans | 0.5920% | 2,317 |
| Net loans and leases to total assets | 55.1691% | 3,695 |
| Net loans and leases to deposits | 60.6262% | 4,016 |
| Net loans and leases to core deposits | 61.4935% | 4,135 |
| Total domestic deposits to total assets | 90.9988% | 176 |
| Equity capital to assets | 8.6276% | 4,386 |
| Core capital (leverage) ratio | 8.1885% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7126% | 1,319 |
| Memoranda: | ||
| Average total assets | $745,333,000 | 1,100 |
| Average earning assets | $706,942,750 | 1,079 |
| Average equity | $68,126,500 | 1,306 |
| Average total loans | $441,641,000 | 1,242 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4603% | 4,465 |
| Cost of funding earning assets | 0.3416% | 4,303 |
| Net interest margin | 3.1187% | 3,864 |
| Noninterest income to average assets | 0.2812% | 3,783 |
| Noninterest expense to average assets | 2.5164% | 2,922 |
| Loan and lease loss provision to assets | 0.0968% | 3,065 |
| Net operating income to assets | 0.5165% | 3,967 |
| Return on assets (ROA) | 0.5665% | 3,920 |
| Pretax return on assets | 0.6787% | 3,915 |
| Return on Equity (ROE) | 6.0703% | 3,480 |
| Retained earnings to average equity (ytd only) | 4.0558% | 2,873 |
| Net charge-offs to loans | 0.0562% | 1,694 |
| Credit loss provision to net charge-offs | 284.5528% | 1,665 |
| Earnings coverage of net charge-offs (x) | 21.0325% | 1,667 |
| Efficiency ratio | 77.8681% | 1,069 |
| Assets per employee ($millions) | 4.8387% | 3,375 |
| Cash dividends to net income (ytd only)* | 33.1869% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,036 |
| Loan loss allowance to noncurrent loans | 205.9374% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 1,961 |
| Noncurrent loans to loans | 0.6280% | 2,291 |
| Net loans and leases to total assets | 56.4215% | 3,651 |
| Net loans and leases to deposits | 62.2534% | 3,995 |
| Net loans and leases to core deposits | 63.1374% | 4,119 |
| Total domestic deposits to total assets | 90.6320% | 247 |
| Equity capital to assets | 8.9948% | 4,092 |
| Core capital (leverage) ratio | 8.9001% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7958% | 1,299 |
| Memoranda: | ||
| Average total assets | $723,403,333 | 1,114 |
| Average earning assets | $684,393,000 | 1,096 |
| Average equity | $67,508,667 | 1,308 |
| Average total loans | $437,791,333 | 1,237 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7075% | 4,379 |
| Cost of funding earning assets | 0.3884% | 4,400 |
| Net interest margin | 3.3191% | 3,550 |
| Noninterest income to average assets | 0.2974% | 3,737 |
| Noninterest expense to average assets | 2.5725% | 3,071 |
| Loan and lease loss provision to assets | 0.1146% | 2,252 |
| Net operating income to assets | 0.6032% | 3,585 |
| Return on assets (ROA) | 0.6940% | 3,363 |
| Pretax return on assets | 0.8625% | 3,248 |
| Return on Equity (ROE) | 7.2903% | 2,835 |
| Retained earnings to average equity (ytd only) | 5.2676% | 2,167 |
| Net charge-offs to loans | 0.0799% | 1,226 |
| Credit loss provision to net charge-offs | 229.8851% | 1,338 |
| Earnings coverage of net charge-offs (x) | 17.3218% | 1,497 |
| Efficiency ratio | 74.8666% | 1,703 |
| Assets per employee ($millions) | 4.2378% | 3,612 |
| Cash dividends to net income (ytd only)* | 27.7457% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 2,236 |
| Loan loss allowance to noncurrent loans | 237.3678% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 2,109 |
| Noncurrent loans to loans | 0.5393% | 2,647 |
| Net loans and leases to total assets | 62.2419% | 3,276 |
| Net loans and leases to deposits | 68.9197% | 3,664 |
| Net loans and leases to core deposits | 70.0137% | 3,878 |
| Total domestic deposits to total assets | 90.3108% | 236 |
| Equity capital to assets | 9.4364% | 4,279 |
| Core capital (leverage) ratio | 9.3628% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0702% | 1,332 |
| Memoranda: | ||
| Average total assets | $698,007,000 | 1,119 |
| Average earning assets | $660,064,500 | 1,091 |
| Average equity | $66,444,500 | 1,320 |
| Average total loans | $435,419,000 | 1,211 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8328% | 4,524 |
| Cost of funding earning assets | 0.4117% | 4,408 |
| Net interest margin | 3.4211% | 3,676 |
| Noninterest income to average assets | 0.3461% | 3,638 |
| Noninterest expense to average assets | 2.6494% | 3,030 |
| Loan and lease loss provision to assets | 0.2095% | 959 |
| Net operating income to assets | 0.7143% | 3,825 |
| Return on assets (ROA) | 0.7179% | 3,874 |
| Pretax return on assets | 0.7193% | 4,164 |
| Return on Equity (ROE) | 7.6008% | 3,322 |
| Retained earnings to average equity (ytd only) | 5.5197% | 2,150 |
| Net charge-offs to loans | 0.2366% | 867 |
| Credit loss provision to net charge-offs | 140.8103% | 1,836 |
| Earnings coverage of net charge-offs (x) | 6.2194% | 2,995 |
| Efficiency ratio | 74.1158% | 1,589 |
| Assets per employee ($millions) | 4.3007% | 3,507 |
| Cash dividends to net income (ytd only)* | 27.3807% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,066 |
| Loan loss allowance to noncurrent loans | 180.2295% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 1,926 |
| Noncurrent loans to loans | 0.7050% | 2,112 |
| Net loans and leases to total assets | 60.9332% | 3,510 |
| Net loans and leases to deposits | 67.5892% | 3,856 |
| Net loans and leases to core deposits | 68.7677% | 4,040 |
| Total domestic deposits to total assets | 90.1524% | 272 |
| Equity capital to assets | 9.6012% | 4,270 |
| Core capital (leverage) ratio | 9.3504% | 4,225 |
| Tier 1 risk-based capital ratio | 16.1017% | 2,370 |
| Total risk-based capital ratio | 17.3540% | 2,315 |
| Memoranda: | ||
| Average total assets | $680,224,000 | 1,099 |
| Average earning assets | $641,952,000 | 1,076 |
| Average equity | $64,243,000 | 1,311 |
| Average total loans | $427,689,400 | 1,204 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8543% | 4,600 |
| Cost of funding earning assets | 0.4168% | 4,442 |
| Net interest margin | 3.4375% | 3,768 |
| Noninterest income to average assets | 0.3518% | 3,621 |
| Noninterest expense to average assets | 2.6207% | 3,103 |
| Loan and lease loss provision to assets | 0.1333% | 1,444 |
| Net operating income to assets | 0.7213% | 3,941 |
| Return on assets (ROA) | 0.7245% | 3,998 |
| Pretax return on assets | 0.8436% | 4,032 |
| Return on Equity (ROE) | 7.7044% | 3,431 |
| Retained earnings to average equity (ytd only) | 5.6040% | 2,568 |
| Net charge-offs to loans | 0.1304% | 1,218 |
| Credit loss provision to net charge-offs | 161.8705% | 1,543 |
| Earnings coverage of net charge-offs (x) | 11.8153% | 2,413 |
| Efficiency ratio | 72.9211% | 1,712 |
| Assets per employee ($millions) | 4.2478% | 3,553 |
| Cash dividends to net income (ytd only)* | 27.2628% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,349 |
| Loan loss allowance to noncurrent loans | 183.9821% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6788% | 1,998 |
| Noncurrent loans to loans | 0.6670% | 2,286 |
| Net loans and leases to total assets | 62.4716% | 3,447 |
| Net loans and leases to deposits | 69.4578% | 3,804 |
| Net loans and leases to core deposits | 70.6641% | 4,020 |
| Total domestic deposits to total assets | 89.9417% | 303 |
| Equity capital to assets | 9.6432% | 4,342 |
| Core capital (leverage) ratio | 9.5406% | 4,126 |
| Tier 1 risk-based capital ratio | 15.9873% | 2,431 |
| Total risk-based capital ratio | 17.2391% | 2,376 |
| Memoranda: | ||
| Average total assets | $675,026,750 | 1,105 |
| Average earning assets | $636,640,750 | 1,083 |
| Average equity | $63,477,250 | 1,321 |
| Average total loans | $426,450,000 | 1,214 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8507% | 4,636 |
| Cost of funding earning assets | 0.4045% | 4,488 |
| Net interest margin | 3.4463% | 3,751 |
| Noninterest income to average assets | 0.3441% | 3,636 |
| Noninterest expense to average assets | 2.6690% | 3,003 |
| Loan and lease loss provision to assets | 0.1044% | 1,794 |
| Net operating income to assets | 0.7082% | 3,981 |
| Return on assets (ROA) | 0.7115% | 4,026 |
| Pretax return on assets | 0.8270% | 4,028 |
| Return on Equity (ROE) | 7.6332% | 3,441 |
| Retained earnings to average equity (ytd only) | 5.5090% | 2,515 |
| Net charge-offs to loans | 0.1983% | 833 |
| Credit loss provision to net charge-offs | 83.3333% | 2,192 |
| Earnings coverage of net charge-offs (x) | 7.4048% | 2,492 |
| Efficiency ratio | 74.2123% | 1,618 |
| Assets per employee ($millions) | 4.3601% | 3,347 |
| Cash dividends to net income (ytd only)* | 27.8290% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 2,817 |
| Loan loss allowance to noncurrent loans | 129.4421% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 1,786 |
| Noncurrent loans to loans | 0.8843% | 1,839 |
| Net loans and leases to total assets | 64.0453% | 3,335 |
| Net loans and leases to deposits | 72.5138% | 3,639 |
| Net loans and leases to core deposits | 76.3935% | 3,691 |
| Total domestic deposits to total assets | 88.3215% | 957 |
| Equity capital to assets | 9.6294% | 4,291 |
| Core capital (leverage) ratio | 9.5213% | 4,121 |
| Tier 1 risk-based capital ratio | 15.7503% | 2,523 |
| Total risk-based capital ratio | 17.0012% | 2,459 |
| Memoranda: | ||
| Average total assets | $670,652,330 | 1,110 |
| Average earning assets | $632,917,330 | 1,092 |
| Average equity | $62,516,330 | 1,326 |
| Average total loans | $423,520,330 | 1,223 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8588% | 4,619 |
| Cost of funding earning assets | 0.3831% | 4,560 |
| Net interest margin | 3.4757% | 3,663 |
| Noninterest income to average assets | 0.3389% | 3,592 |
| Noninterest expense to average assets | 2.6291% | 3,126 |
| Loan and lease loss provision to assets | 0.1197% | 1,461 |
| Net operating income to assets | 0.7466% | 3,782 |
| Return on assets (ROA) | 0.7466% | 3,829 |
| Pretax return on assets | 0.8712% | 3,855 |
| Return on Equity (ROE) | 8.1455% | 3,195 |
| Retained earnings to average equity (ytd only) | 6.0095% | 2,452 |
| Net charge-offs to loans | 0.1998% | 704 |
| Credit loss provision to net charge-offs | 96.1538% | 1,656 |
| Earnings coverage of net charge-offs (x) | 7.9567% | 2,106 |
| Efficiency ratio | 72.6265% | 1,939 |
| Assets per employee ($millions) | 4.1288% | 3,726 |
| Cash dividends to net income (ytd only)* | 26.2229% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 2,482 |
| Loan loss allowance to noncurrent loans | 146.8036% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 1,911 |
| Noncurrent loans to loans | 0.8305% | 1,980 |
| Net loans and leases to total assets | 61.4765% | 3,554 |
| Net loans and leases to deposits | 68.0371% | 3,926 |
| Net loans and leases to core deposits | 71.0439% | 4,006 |
| Total domestic deposits to total assets | 90.3573% | 331 |
| Equity capital to assets | 9.3362% | 4,399 |
| Core capital (leverage) ratio | 9.4636% | 4,172 |
| Tier 1 risk-based capital ratio | 16.5955% | 2,232 |
| Total risk-based capital ratio | 17.8476% | 2,185 |
| Memoranda: | ||
| Average total assets | $668,071,500 | 1,114 |
| Average earning assets | $630,656,500 | 1,094 |
| Average equity | $61,236,000 | 1,346 |
| Average total loans | $416,361,000 | 1,242 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6492% | 4,740 |
| Cost of funding earning assets | 0.3230% | 4,449 |
| Net interest margin | 3.3263% | 4,188 |
| Noninterest income to average assets | 0.2328% | 4,520 |
| Noninterest expense to average assets | 2.5472% | 3,478 |
| Loan and lease loss provision to assets | 0.0824% | 2,479 |
| Net operating income to assets | 0.6435% | 4,304 |
| Return on assets (ROA) | 0.6435% | 4,310 |
| Pretax return on assets | 0.7369% | 4,319 |
| Return on Equity (ROE) | 7.3959% | 3,695 |
| Retained earnings to average equity (ytd only) | 5.1838% | 2,671 |
| Net charge-offs to loans | 0.0066% | 3,454 |
| Credit loss provision to net charge-offs | 2,037.0370% | 217 |
| Earnings coverage of net charge-offs (x) | 202.4444% | 452 |
| Efficiency ratio | 75.6623% | 1,413 |
| Assets per employee ($millions) | 4.2233% | 3,580 |
| Cash dividends to net income (ytd only)* | 29.9092% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 2,466 |
| Loan loss allowance to noncurrent loans | 118.2368% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 1,620 |
| Noncurrent loans to loans | 1.0323% | 1,590 |
| Net loans and leases to total assets | 61.6488% | 3,602 |
| Net loans and leases to deposits | 69.6359% | 3,857 |
| Net loans and leases to core deposits | 71.2305% | 4,046 |
| Total domestic deposits to total assets | 88.5302% | 1,056 |
| Equity capital to assets | 8.9956% | 4,580 |
| Core capital (leverage) ratio | 9.4003% | 4,236 |
| Tier 1 risk-based capital ratio | 16.3631% | 2,282 |
| Total risk-based capital ratio | 17.6152% | 2,221 |
| Memoranda: | ||
| Average total assets | $667,125,200 | 1,094 |
| Average earning assets | $628,513,400 | 1,075 |
| Average equity | $58,046,000 | 1,356 |
| Average total loans | $411,731,800 | 1,223 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6031% | 4,799 |
| Cost of funding earning assets | 0.3239% | 4,359 |
| Net interest margin | 3.2792% | 4,339 |
| Noninterest income to average assets | 0.2578% | 4,433 |
| Noninterest expense to average assets | 2.5703% | 3,379 |
| Loan and lease loss provision to assets | 0.0899% | 2,179 |
| Net operating income to assets | 0.6046% | 4,487 |
| Return on assets (ROA) | 0.6046% | 4,498 |
| Pretax return on assets | 0.6874% | 4,561 |
| Return on Equity (ROE) | 7.0081% | 3,932 |
| Retained earnings to average equity (ytd only) | 4.7840% | 3,354 |
| Net charge-offs to loans | 0.0023% | 3,406 |
| Credit loss provision to net charge-offs | 6,428.5714% | 63 |
| Earnings coverage of net charge-offs (x) | 555.7556% | 164 |
| Efficiency ratio | 76.7807% | 1,259 |
| Assets per employee ($millions) | 4.1913% | 3,586 |
| Cash dividends to net income (ytd only)* | 31.7356% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,438 |
| Loan loss allowance to noncurrent loans | 112.4326% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.9606% | 1,518 |
| Noncurrent loans to loans | 1.0968% | 1,552 |
| Net loans and leases to total assets | 61.2585% | 3,722 |
| Net loans and leases to deposits | 67.4116% | 4,099 |
| Net loans and leases to core deposits | 68.8158% | 4,258 |
| Total domestic deposits to total assets | 90.8724% | 251 |
| Equity capital to assets | 8.7012% | 4,794 |
| Core capital (leverage) ratio | 9.1037% | 4,610 |
| Tier 1 risk-based capital ratio | 16.0698% | 2,422 |
| Total risk-based capital ratio | 17.3219% | 2,362 |
| Memoranda: | ||
| Average total assets | $667,085,750 | 1,098 |
| Average earning assets | $628,556,500 | 1,079 |
| Average equity | $57,551,000 | 1,366 |
| Average total loans | $410,551,000 | 1,227 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5634% | 4,828 |
| Cost of funding earning assets | 0.3146% | 4,317 |
| Net interest margin | 3.2488% | 4,384 |
| Noninterest income to average assets | 0.2701% | 4,381 |
| Noninterest expense to average assets | 2.5495% | 3,480 |
| Loan and lease loss provision to assets | 0.0894% | 2,131 |
| Net operating income to assets | 0.6097% | 4,467 |
| Return on assets (ROA) | 0.6097% | 4,474 |
| Pretax return on assets | 0.6943% | 4,532 |
| Return on Equity (ROE) | 7.0867% | 3,877 |
| Retained earnings to average equity (ytd only) | 4.8779% | 3,135 |
| Net charge-offs to loans | 0.0053% | 2,969 |
| Credit loss provision to net charge-offs | 2,727.2727% | 160 |
| Earnings coverage of net charge-offs (x) | 239.1818% | 370 |
| Efficiency ratio | 76.4900% | 1,368 |
| Assets per employee ($millions) | 4.3113% | 3,409 |
| Cash dividends to net income (ytd only)* | 31.1676% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 2,955 |
| Loan loss allowance to noncurrent loans | 110.7379% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.9878% | 1,523 |
| Noncurrent loans to loans | 1.0428% | 1,680 |
| Net loans and leases to total assets | 62.0831% | 3,589 |
| Net loans and leases to deposits | 70.3329% | 3,828 |
| Net loans and leases to core deposits | 73.1417% | 3,934 |
| Total domestic deposits to total assets | 88.2704% | 1,236 |
| Equity capital to assets | 8.5679% | 4,892 |
| Core capital (leverage) ratio | 9.0047% | 4,684 |
| Tier 1 risk-based capital ratio | 15.3568% | 2,705 |
| Total risk-based capital ratio | 16.6078% | 2,638 |
| Memoranda: | ||
| Average total assets | $671,497,670 | 1,096 |
| Average earning assets | $633,095,000 | 1,076 |
| Average equity | $57,770,330 | 1,366 |
| Average total loans | $412,221,330 | 1,224 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5029% | 4,871 |
| Cost of funding earning assets | 0.3017% | 4,337 |
| Net interest margin | 3.2012% | 4,451 |
| Noninterest income to average assets | 0.2502% | 4,506 |
| Noninterest expense to average assets | 2.5119% | 3,605 |
| Loan and lease loss provision to assets | 0.0891% | 2,022 |
| Net operating income to assets | 0.5889% | 4,454 |
| Return on assets (ROA) | 0.5889% | 4,460 |
| Pretax return on assets | 0.6691% | 4,523 |
| Return on Equity (ROE) | 6.8312% | 3,850 |
| Retained earnings to average equity (ytd only) | 4.6598% | 3,328 |
| Net charge-offs to loans | 0.0029% | 2,633 |
| Credit loss provision to net charge-offs | 5,000.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 425.3333% | 155 |
| Efficiency ratio | 76.8126% | 1,483 |
| Assets per employee ($millions) | 4.2393% | 3,583 |
| Cash dividends to net income (ytd only)* | 31.7861% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 3,133 |
| Loan loss allowance to noncurrent loans | 104.1611% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 1,560 |
| Noncurrent loans to loans | 1.0958% | 1,670 |
| Net loans and leases to total assets | 60.4694% | 3,705 |
| Net loans and leases to deposits | 67.9900% | 3,948 |
| Net loans and leases to core deposits | 69.1956% | 4,129 |
| Total domestic deposits to total assets | 88.9387% | 1,122 |
| Equity capital to assets | 8.4809% | 4,989 |
| Core capital (leverage) ratio | 8.8918% | 4,808 |
| Tier 1 risk-based capital ratio | 15.2854% | 2,743 |
| Total risk-based capital ratio | 16.5361% | 2,682 |
| Memoranda: | ||
| Average total assets | $673,122,500 | 1,104 |
| Average earning assets | $635,011,000 | 1,081 |
| Average equity | $58,028,000 | 1,372 |
| Average total loans | $408,474,000 | 1,239 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3793% | 4,969 |
| Cost of funding earning assets | 0.3070% | 4,065 |
| Net interest margin | 3.0723% | 4,744 |
| Noninterest income to average assets | 0.3268% | 4,135 |
| Noninterest expense to average assets | 2.4890% | 3,821 |
| Loan and lease loss provision to assets | 0.0853% | 2,492 |
| Net operating income to assets | 0.4484% | 4,544 |
| Return on assets (ROA) | 0.4980% | 4,415 |
| Pretax return on assets | 0.7230% | 4,453 |
| Return on Equity (ROE) | 5.5994% | 3,917 |
| Retained earnings to average equity (ytd only) | 3.4566% | 3,210 |
| Net charge-offs to loans | 0.0160% | 3,559 |
| Credit loss provision to net charge-offs | 918.0328% | 386 |
| Earnings coverage of net charge-offs (x) | 79.2459% | 778 |
| Efficiency ratio | 77.1680% | 1,463 |
| Assets per employee ($millions) | 4.2815% | 3,520 |
| Cash dividends to net income (ytd only)* | 38.2686% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 3,208 |
| Loan loss allowance to noncurrent loans | 102.6802% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.0266% | 1,493 |
| Noncurrent loans to loans | 1.0972% | 1,615 |
| Net loans and leases to total assets | 59.5198% | 3,877 |
| Net loans and leases to deposits | 65.4751% | 4,227 |
| Net loans and leases to core deposits | 66.6517% | 4,381 |
| Total domestic deposits to total assets | 90.9044% | 264 |
| Equity capital to assets | 8.7609% | 4,918 |
| Core capital (leverage) ratio | 8.7770% | 4,881 |
| Tier 1 risk-based capital ratio | 15.5189% | 2,619 |
| Total risk-based capital ratio | 16.7694% | 2,556 |
| Memoranda: | ||
| Average total assets | $656,397,600 | 1,108 |
| Average earning assets | $619,304,400 | 1,089 |
| Average equity | $58,381,200 | 1,344 |
| Average total loans | $381,981,600 | 1,282 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3575% | 5,026 |
| Cost of funding earning assets | 0.3088% | 4,047 |
| Net interest margin | 3.0488% | 4,817 |
| Noninterest income to average assets | 0.3460% | 4,068 |
| Noninterest expense to average assets | 2.5105% | 3,696 |
| Loan and lease loss provision to assets | 0.0858% | 2,375 |
| Net operating income to assets | 0.5151% | 4,690 |
| Return on assets (ROA) | 0.5383% | 4,656 |
| Pretax return on assets | 0.6554% | 4,714 |
| Return on Equity (ROE) | 6.0286% | 4,110 |
| Retained earnings to average equity (ytd only) | 3.7124% | 3,714 |
| Net charge-offs to loans | 0.0326% | 2,783 |
| Credit loss provision to net charge-offs | 456.5217% | 697 |
| Earnings coverage of net charge-offs (x) | 37.9250% | 1,352 |
| Efficiency ratio | 77.8813% | 1,344 |
| Assets per employee ($millions) | 4.2212% | 3,607 |
| Cash dividends to net income (ytd only)* | 38.4207% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 3,296 |
| Loan loss allowance to noncurrent loans | 95.2257% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.0607% | 1,580 |
| Noncurrent loans to loans | 1.1894% | 1,609 |
| Net loans and leases to total assets | 58.1677% | 4,043 |
| Net loans and leases to deposits | 64.2260% | 4,362 |
| Net loans and leases to core deposits | 65.4461% | 4,520 |
| Total domestic deposits to total assets | 90.5672% | 308 |
| Equity capital to assets | 9.0598% | 4,863 |
| Core capital (leverage) ratio | 8.9351% | 4,819 |
| Tier 1 risk-based capital ratio | 15.9915% | 2,510 |
| Total risk-based capital ratio | 17.2419% | 2,448 |
| Memoranda: | ||
| Average total assets | $652,446,500 | 1,119 |
| Average earning assets | $615,796,000 | 1,101 |
| Average equity | $58,253,750 | 1,361 |
| Average total loans | $376,314,000 | 1,304 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3277% | 5,066 |
| Cost of funding earning assets | 0.3087% | 3,996 |
| Net interest margin | 3.0190% | 4,867 |
| Noninterest income to average assets | 0.3865% | 3,779 |
| Noninterest expense to average assets | 2.5110% | 3,710 |
| Loan and lease loss provision to assets | 0.0830% | 2,327 |
| Net operating income to assets | 0.5217% | 4,646 |
| Return on assets (ROA) | 0.5553% | 4,541 |
| Pretax return on assets | 0.6845% | 4,595 |
| Return on Equity (ROE) | 6.2508% | 3,933 |
| Retained earnings to average equity (ytd only) | 3.8349% | 3,408 |
| Net charge-offs to loans | 0.0451% | 2,308 |
| Credit loss provision to net charge-offs | 321.4286% | 916 |
| Earnings coverage of net charge-offs (x) | 28.1071% | 1,516 |
| Efficiency ratio | 77.5720% | 1,523 |
| Assets per employee ($millions) | 4.1058% | 3,780 |
| Cash dividends to net income (ytd only)* | 38.6489% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 3,477 |
| Loan loss allowance to noncurrent loans | 94.0838% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.0818% | 1,614 |
| Noncurrent loans to loans | 1.1883% | 1,641 |
| Net loans and leases to total assets | 57.8894% | 4,047 |
| Net loans and leases to deposits | 65.0895% | 4,295 |
| Net loans and leases to core deposits | 66.6748% | 4,431 |
| Total domestic deposits to total assets | 88.9382% | 990 |
| Equity capital to assets | 9.0984% | 4,808 |
| Core capital (leverage) ratio | 8.8598% | 4,888 |
| Tier 1 risk-based capital ratio | 16.3715% | 2,371 |
| Total risk-based capital ratio | 17.6221% | 2,314 |
| Memoranda: | ||
| Average total assets | $650,424,670 | 1,124 |
| Average earning assets | $614,119,670 | 1,106 |
| Average equity | $57,785,000 | 1,370 |
| Average total loans | $372,609,000 | 1,317 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2530% | 5,172 |
| Cost of funding earning assets | 0.3068% | 3,974 |
| Net interest margin | 2.9463% | 5,001 |
| Noninterest income to average assets | 0.2690% | 4,617 |
| Noninterest expense to average assets | 2.4162% | 4,074 |
| Loan and lease loss provision to assets | 0.0921% | 2,002 |
| Net operating income to assets | 0.4581% | 4,745 |
| Return on assets (ROA) | 0.4606% | 4,759 |
| Pretax return on assets | 0.5478% | 4,846 |
| Return on Equity (ROE) | 5.2479% | 4,280 |
| Retained earnings to average equity (ytd only) | 2.5680% | 4,110 |
| Net charge-offs to loans | 0.0759% | 1,579 |
| Credit loss provision to net charge-offs | 214.2857% | 967 |
| Earnings coverage of net charge-offs (x) | 14.8143% | 1,705 |
| Efficiency ratio | 79.1390% | 1,467 |
| Assets per employee ($millions) | 4.0532% | 3,921 |
| Cash dividends to net income (ytd only)* | 51.0667% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,612 |
| Loan loss allowance to noncurrent loans | 92.3077% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.1619% | 1,519 |
| Noncurrent loans to loans | 1.2095% | 1,674 |
| Net loans and leases to total assets | 56.5406% | 4,112 |
| Net loans and leases to deposits | 62.1957% | 4,420 |
| Net loans and leases to core deposits | 63.6545% | 4,557 |
| Total domestic deposits to total assets | 90.9076% | 327 |
| Equity capital to assets | 8.8599% | 4,946 |
| Core capital (leverage) ratio | 8.8240% | 4,935 |
| Tier 1 risk-based capital ratio | 16.3942% | 2,398 |
| Total risk-based capital ratio | 17.6442% | 2,341 |
| Memoranda: | ||
| Average total assets | $651,278,000 | 1,123 |
| Average earning assets | $615,423,000 | 1,099 |
| Average equity | $57,166,000 | 1,382 |
| Average total loans | $369,021,000 | 1,338 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3152% | 5,135 |
| Cost of funding earning assets | 0.3192% | 3,852 |
| Net interest margin | 2.9960% | 4,967 |
| Noninterest income to average assets | 0.2961% | 4,623 |
| Noninterest expense to average assets | 2.5269% | 3,929 |
| Loan and lease loss provision to assets | 0.0723% | 2,911 |
| Net operating income to assets | 0.4727% | 4,735 |
| Return on assets (ROA) | 0.5761% | 4,419 |
| Pretax return on assets | 0.6435% | 4,666 |
| Return on Equity (ROE) | 6.4495% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.4161% | 1,493 |
| Net charge-offs to loans | 0.0946% | 2,353 |
| Credit loss provision to net charge-offs | 142.8571% | 1,921 |
| Earnings coverage of net charge-offs (x) | 11.8789% | 2,505 |
| Efficiency ratio | 80.7914% | 1,329 |
| Assets per employee ($millions) | 4.2196% | 3,591 |
| Cash dividends to net income (ytd only)* | 0.5180% | 4,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 3,679 |
| Loan loss allowance to noncurrent loans | 97.7842% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.0643% | 1,771 |
| Noncurrent loans to loans | 1.1306% | 1,818 |
| Net loans and leases to total assets | 55.5267% | 4,307 |
| Net loans and leases to deposits | 60.9645% | 4,613 |
| Net loans and leases to core deposits | 62.3645% | 4,733 |
| Total domestic deposits to total assets | 91.0805% | 253 |
| Equity capital to assets | 8.6958% | 5,108 |
| Core capital (leverage) ratio | 8.7618% | 5,015 |
| Tier 1 risk-based capital ratio | 16.2717% | 2,435 |
| Total risk-based capital ratio | 17.5180% | 2,378 |
| Memoranda: | ||
| Average total assets | $636,660,800 | 1,108 |
| Average earning assets | $601,737,600 | 1,087 |
| Average equity | $56,872,800 | 1,350 |
| Average total loans | $340,511,400 | 1,375 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3370% | 5,149 |
| Cost of funding earning assets | 0.3204% | 3,866 |
| Net interest margin | 3.0167% | 4,981 |
| Noninterest income to average assets | 0.2800% | 4,765 |
| Noninterest expense to average assets | 2.5413% | 3,859 |
| Loan and lease loss provision to assets | 0.0654% | 2,918 |
| Net operating income to assets | 0.4811% | 4,761 |
| Return on assets (ROA) | 0.5531% | 4,591 |
| Pretax return on assets | 0.6028% | 4,869 |
| Return on Equity (ROE) | 6.1493% | 3,997 |
| Retained earnings to average equity (ytd only) | 5.4225% | 2,535 |
| Net charge-offs to loans | 0.1074% | 1,870 |
| Credit loss provision to net charge-offs | 115.2416% | 2,158 |
| Earnings coverage of net charge-offs (x) | 10.4014% | 2,577 |
| Efficiency ratio | 81.1582% | 1,283 |
| Assets per employee ($millions) | 4.1381% | 3,716 |
| Cash dividends to net income (ytd only)* | 11.8184% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,618 |
| Loan loss allowance to noncurrent loans | 87.1699% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.1250% | 1,798 |
| Noncurrent loans to loans | 1.3072% | 1,701 |
| Net loans and leases to total assets | 53.5763% | 4,532 |
| Net loans and leases to deposits | 59.2319% | 4,806 |
| Net loans and leases to core deposits | 60.7026% | 4,897 |
| Total domestic deposits to total assets | 90.4518% | 339 |
| Equity capital to assets | 9.1642% | 5,013 |
| Core capital (leverage) ratio | 8.8401% | 5,012 |
| Tier 1 risk-based capital ratio | 16.2117% | 2,539 |
| Total risk-based capital ratio | 17.4543% | 2,496 |
| Memoranda: | ||
| Average total assets | $632,316,500 | 1,120 |
| Average earning assets | $597,641,250 | 1,091 |
| Average equity | $56,872,500 | 1,359 |
| Average total loans | $333,832,750 | 1,399 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3295% | 5,227 |
| Cost of funding earning assets | 0.3212% | 3,889 |
| Net interest margin | 3.0084% | 5,065 |
| Noninterest income to average assets | 0.2670% | 4,877 |
| Noninterest expense to average assets | 2.5648% | 3,837 |
| Loan and lease loss provision to assets | 0.0191% | 3,755 |
| Net operating income to assets | 0.4866% | 4,733 |
| Return on assets (ROA) | 0.5562% | 4,571 |
| Pretax return on assets | 0.6048% | 4,873 |
| Return on Equity (ROE) | 6.2237% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.2095% | 2,012 |
| Net charge-offs to loans | 0.0844% | 2,003 |
| Credit loss provision to net charge-offs | 43.1655% | 2,742 |
| Earnings coverage of net charge-offs (x) | 12.4101% | 2,184 |
| Efficiency ratio | 82.3890% | 1,227 |
| Assets per employee ($millions) | 3.9240% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.2286% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 3,826 |
| Loan loss allowance to noncurrent loans | 78.6489% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.1871% | 1,753 |
| Noncurrent loans to loans | 1.4267% | 1,555 |
| Net loans and leases to total assets | 53.9258% | 4,518 |
| Net loans and leases to deposits | 61.4083% | 4,702 |
| Net loans and leases to core deposits | 63.0443% | 4,809 |
| Total domestic deposits to total assets | 87.8151% | 1,521 |
| Equity capital to assets | 9.3038% | 4,968 |
| Core capital (leverage) ratio | 8.7918% | 5,068 |
| Tier 1 risk-based capital ratio | 16.2551% | 2,523 |
| Total risk-based capital ratio | 17.4791% | 2,477 |
| Memoranda: | ||
| Average total assets | $629,285,330 | 1,129 |
| Average earning assets | $595,337,000 | 1,104 |
| Average equity | $56,236,670 | 1,376 |
| Average total loans | $329,242,000 | 1,415 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3171% | 5,286 |
| Cost of funding earning assets | 0.3221% | 3,921 |
| Net interest margin | 2.9949% | 5,131 |
| Noninterest income to average assets | 0.2775% | 4,739 |
| Noninterest expense to average assets | 2.4927% | 4,092 |
| Loan and lease loss provision to assets | 0.0381% | 3,147 |
| Net operating income to assets | 0.5289% | 4,511 |
| Return on assets (ROA) | 0.5460% | 4,544 |
| Pretax return on assets | 0.6051% | 4,809 |
| Return on Equity (ROE) | 6.2377% | 3,861 |
| Retained earnings to average equity (ytd only) | 0.3989% | 5,020 |
| Net charge-offs to loans | 0.0360% | 2,258 |
| Credit loss provision to net charge-offs | 206.8966% | 1,054 |
| Earnings coverage of net charge-offs (x) | 33.8966% | 1,110 |
| Efficiency ratio | 79.9756% | 1,609 |
| Assets per employee ($millions) | 3.9639% | 4,015 |
| Cash dividends to net income (ytd only)* | 93.6047% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 3,547 |
| Loan loss allowance to noncurrent loans | 79.0400% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.2454% | 1,750 |
| Noncurrent loans to loans | 1.5042% | 1,555 |
| Net loans and leases to total assets | 52.4419% | 4,585 |
| Net loans and leases to deposits | 57.7275% | 4,869 |
| Net loans and leases to core deposits | 59.1952% | 4,990 |
| Total domestic deposits to total assets | 90.8439% | 313 |
| Equity capital to assets | 8.8659% | 5,286 |
| Core capital (leverage) ratio | 8.5595% | 5,334 |
| Tier 1 risk-based capital ratio | 15.8129% | 2,776 |
| Total risk-based capital ratio | 17.0628% | 2,705 |
| Memoranda: | ||
| Average total assets | $630,009,500 | 1,125 |
| Average earning assets | $597,274,000 | 1,083 |
| Average equity | $55,148,500 | 1,398 |
| Average total loans | $322,659,000 | 1,435 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4451% | 5,057 |
| Cost of funding earning assets | 0.3321% | 3,883 |
| Net interest margin | 3.1130% | 4,870 |
| Noninterest income to average assets | 0.2454% | 5,126 |
| Noninterest expense to average assets | 2.6363% | 3,793 |
| Loan and lease loss provision to assets | 0.0904% | 2,496 |
| Net operating income to assets | 0.4310% | 4,947 |
| Return on assets (ROA) | 0.5696% | 4,511 |
| Pretax return on assets | 0.6036% | 4,828 |
| Return on Equity (ROE) | 6.3379% | 3,883 |
| Retained earnings to average equity (ytd only) | 4.3563% | 2,881 |
| Net charge-offs to loans | 0.2092% | 1,407 |
| Credit loss provision to net charge-offs | 86.1244% | 2,830 |
| Earnings coverage of net charge-offs (x) | 5.2073% | 3,423 |
| Efficiency ratio | 82.8284% | 1,292 |
| Assets per employee ($millions) | 4.0623% | 3,828 |
| Cash dividends to net income (ytd only)* | 31.2665% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 3,151 |
| Loan loss allowance to noncurrent loans | 102.9404% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.1117% | 1,967 |
| Noncurrent loans to loans | 1.2172% | 1,938 |
| Net loans and leases to total assets | 48.7600% | 4,958 |
| Net loans and leases to deposits | 53.6115% | 5,183 |
| Net loans and leases to core deposits | 55.0438% | 5,253 |
| Total domestic deposits to total assets | 90.9506% | 291 |
| Equity capital to assets | 8.6426% | 5,431 |
| Core capital (leverage) ratio | 8.5998% | 5,333 |
| Tier 1 risk-based capital ratio | 16.7920% | 2,364 |
| Total risk-based capital ratio | 18.0427% | 2,317 |
| Memoranda: | ||
| Average total assets | $597,390,000 | 1,138 |
| Average earning assets | $563,695,000 | 1,113 |
| Average equity | $53,692,600 | 1,390 |
| Average total loans | $299,772,000 | 1,469 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4886% | 5,003 |
| Cost of funding earning assets | 0.3332% | 3,941 |
| Net interest margin | 3.1554% | 4,807 |
| Noninterest income to average assets | 0.2359% | 5,241 |
| Noninterest expense to average assets | 2.7071% | 3,537 |
| Loan and lease loss provision to assets | 0.1088% | 2,068 |
| Net operating income to assets | 0.4138% | 5,112 |
| Return on assets (ROA) | 0.4775% | 4,966 |
| Pretax return on assets | 0.4583% | 5,334 |
| Return on Equity (ROE) | 5.2585% | 4,511 |
| Retained earnings to average equity (ytd only) | 3.4441% | 4,018 |
| Net charge-offs to loans | 0.2496% | 1,048 |
| Credit loss provision to net charge-offs | 86.4865% | 2,518 |
| Earnings coverage of net charge-offs (x) | 4.0018% | 3,419 |
| Efficiency ratio | 84.3216% | 1,141 |
| Assets per employee ($millions) | 3.9426% | 3,993 |
| Cash dividends to net income (ytd only)* | 34.5041% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 3,038 |
| Loan loss allowance to noncurrent loans | 98.5711% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.2487% | 1,876 |
| Noncurrent loans to loans | 1.3285% | 1,922 |
| Net loans and leases to total assets | 49.4473% | 4,973 |
| Net loans and leases to deposits | 54.5242% | 5,217 |
| Net loans and leases to core deposits | 56.0593% | 5,307 |
| Total domestic deposits to total assets | 90.6888% | 343 |
| Equity capital to assets | 9.0060% | 5,301 |
| Core capital (leverage) ratio | 8.8164% | 5,221 |
| Tier 1 risk-based capital ratio | 16.9354% | 2,402 |
| Total risk-based capital ratio | 18.1868% | 2,349 |
| Memoranda: | ||
| Average total assets | $588,306,500 | 1,165 |
| Average earning assets | $554,594,500 | 1,139 |
| Average equity | $53,423,250 | 1,405 |
| Average total loans | $296,483,750 | 1,493 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4858% | 5,026 |
| Cost of funding earning assets | 0.3331% | 4,012 |
| Net interest margin | 3.1527% | 4,821 |
| Noninterest income to average assets | 0.2501% | 5,159 |
| Noninterest expense to average assets | 2.7319% | 3,482 |
| Loan and lease loss provision to assets | 0.1232% | 1,791 |
| Net operating income to assets | 0.3866% | 5,179 |
| Return on assets (ROA) | 0.4799% | 4,955 |
| Pretax return on assets | 0.4608% | 5,327 |
| Return on Equity (ROE) | 5.2704% | 4,506 |
| Retained earnings to average equity (ytd only) | 2.6258% | 4,389 |
| Net charge-offs to loans | 0.3597% | 724 |
| Credit loss provision to net charge-offs | 67.7966% | 2,487 |
| Earnings coverage of net charge-offs (x) | 2.7006% | 3,300 |
| Efficiency ratio | 84.7771% | 1,178 |
| Assets per employee ($millions) | 3.7442% | 4,339 |
| Cash dividends to net income (ytd only)* | 50.1782% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 3,246 |
| Loan loss allowance to noncurrent loans | 71.8270% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.7200% | 1,378 |
| Noncurrent loans to loans | 1.8093% | 1,414 |
| Net loans and leases to total assets | 49.2605% | 4,997 |
| Net loans and leases to deposits | 55.5137% | 5,157 |
| Net loans and leases to core deposits | 57.1648% | 5,241 |
| Total domestic deposits to total assets | 88.7357% | 1,276 |
| Equity capital to assets | 8.8595% | 5,382 |
| Core capital (leverage) ratio | 8.7881% | 5,238 |
| Tier 1 risk-based capital ratio | 16.6527% | 2,537 |
| Total risk-based capital ratio | 17.9036% | 2,489 |
| Memoranda: | ||
| Average total assets | $584,652,670 | 1,175 |
| Average earning assets | $551,204,670 | 1,144 |
| Average equity | $53,241,000 | 1,424 |
| Average total loans | $295,227,000 | 1,502 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4907% | 4,997 |
| Cost of funding earning assets | 0.3371% | 4,010 |
| Net interest margin | 3.1536% | 4,774 |
| Noninterest income to average assets | 0.2553% | 5,134 |
| Noninterest expense to average assets | 2.7406% | 3,449 |
| Loan and lease loss provision to assets | 0.1445% | 1,415 |
| Net operating income to assets | 0.3840% | 5,131 |
| Return on assets (ROA) | 0.4432% | 5,020 |
| Pretax return on assets | 0.4040% | 5,428 |
| Return on Equity (ROE) | 4.8010% | 4,625 |
| Retained earnings to average equity (ytd only) | 2.6763% | 4,344 |
| Net charge-offs to loans | -0.0190% | 5,024 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8498% | 1,284 |
| Assets per employee ($millions) | 3.6758% | 4,566 |
| Cash dividends to net income (ytd only)* | 44.2547% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 2,759 |
| Loan loss allowance to noncurrent loans | 93.6905% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.5855% | 1,622 |
| Noncurrent loans to loans | 1.5340% | 1,830 |
| Net loans and leases to total assets | 49.3484% | 4,910 |
| Net loans and leases to deposits | 54.6138% | 5,149 |
| Net loans and leases to core deposits | 56.7414% | 5,206 |
| Total domestic deposits to total assets | 90.3588% | 583 |
| Equity capital to assets | 9.2200% | 5,062 |
| Core capital (leverage) ratio | 8.9295% | 5,041 |
| Tier 1 risk-based capital ratio | 15.9825% | 2,930 |
| Total risk-based capital ratio | 17.2345% | 2,864 |
| Memoranda: | ||
| Average total assets | $581,190,000 | 1,186 |
| Average earning assets | $548,202,500 | 1,154 |
| Average equity | $53,656,000 | 1,419 |
| Average total loans | $295,215,000 | 1,502 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 4,575 |
| Cost of funding earning assets | 0.3595% | 4,149 |
| Net interest margin | 3.4118% | 4,149 |
| Noninterest income to average assets | 0.2843% | 5,090 |
| Noninterest expense to average assets | 2.8141% | 3,425 |
| Loan and lease loss provision to assets | 0.1667% | 1,571 |
| Net operating income to assets | 0.4815% | 4,883 |
| Return on assets (ROA) | 0.6066% | 4,434 |
| Pretax return on assets | 0.6290% | 4,846 |
| Return on Equity (ROE) | 6.8154% | 3,743 |
| Retained earnings to average equity (ytd only) | 3.3251% | 3,858 |
| Net charge-offs to loans | 0.4039% | 1,062 |
| Credit loss provision to net charge-offs | 76.2920% | 2,941 |
| Earnings coverage of net charge-offs (x) | 3.0451% | 3,994 |
| Efficiency ratio | 80.8768% | 1,790 |
| Assets per employee ($millions) | 3.6576% | 4,610 |
| Cash dividends to net income (ytd only)* | 51.2116% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 3,156 |
| Loan loss allowance to noncurrent loans | 81.7459% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.8118% | 1,440 |
| Noncurrent loans to loans | 1.6566% | 1,768 |
| Net loans and leases to total assets | 50.8415% | 4,883 |
| Net loans and leases to deposits | 56.2340% | 5,168 |
| Net loans and leases to core deposits | 59.1819% | 5,192 |
| Total domestic deposits to total assets | 90.4107% | 575 |
| Equity capital to assets | 9.2445% | 5,014 |
| Core capital (leverage) ratio | 8.9641% | 5,046 |
| Tier 1 risk-based capital ratio | 16.0418% | 2,941 |
| Total risk-based capital ratio | 17.2932% | 2,880 |
| Memoranda: | ||
| Average total assets | $557,872,600 | 1,194 |
| Average earning assets | $522,445,400 | 1,167 |
| Average equity | $49,652,200 | 1,453 |
| Average total loans | $301,839,000 | 1,420 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8090% | 4,508 |
| Cost of funding earning assets | 0.3604% | 4,229 |
| Net interest margin | 3.4486% | 4,025 |
| Noninterest income to average assets | 0.2754% | 5,235 |
| Noninterest expense to average assets | 2.8456% | 3,302 |
| Loan and lease loss provision to assets | 0.1348% | 1,852 |
| Net operating income to assets | 0.5201% | 4,803 |
| Return on assets (ROA) | 0.5345% | 4,813 |
| Pretax return on assets | 0.5326% | 5,226 |
| Return on Equity (ROE) | 6.0662% | 4,201 |
| Retained earnings to average equity (ytd only) | 2.2161% | 4,947 |
| Net charge-offs to loans | 0.1934% | 1,919 |
| Credit loss provision to net charge-offs | 127.2727% | 1,813 |
| Earnings coverage of net charge-offs (x) | 6.1637% | 3,135 |
| Efficiency ratio | 81.3365% | 1,703 |
| Assets per employee ($millions) | 3.6072% | 4,668 |
| Cash dividends to net income (ytd only)* | 63.4684% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 2,742 |
| Loan loss allowance to noncurrent loans | 69.3842% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 2.3047% | 1,181 |
| Noncurrent loans to loans | 2.1553% | 1,424 |
| Net loans and leases to total assets | 51.3748% | 4,862 |
| Net loans and leases to deposits | 57.8711% | 5,109 |
| Net loans and leases to core deposits | 61.1520% | 5,105 |
| Total domestic deposits to total assets | 88.7746% | 1,364 |
| Equity capital to assets | 9.0695% | 5,279 |
| Core capital (leverage) ratio | 9.0043% | 5,065 |
| Tier 1 risk-based capital ratio | 15.7085% | 3,206 |
| Total risk-based capital ratio | 16.9614% | 3,145 |
| Memoranda: | ||
| Average total assets | $553,779,000 | 1,212 |
| Average earning assets | $517,562,250 | 1,188 |
| Average equity | $48,793,750 | 1,480 |
| Average total loans | $303,307,750 | 1,418 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8203% | 4,446 |
| Cost of funding earning assets | 0.3635% | 4,276 |
| Net interest margin | 3.4568% | 3,956 |
| Noninterest income to average assets | 0.2751% | 5,229 |
| Noninterest expense to average assets | 2.8421% | 3,362 |
| Loan and lease loss provision to assets | 0.1274% | 1,939 |
| Net operating income to assets | 0.5042% | 4,792 |
| Return on assets (ROA) | 0.5240% | 4,809 |
| Pretax return on assets | 0.5553% | 5,116 |
| Return on Equity (ROE) | 6.0078% | 4,146 |
| Retained earnings to average equity (ytd only) | 1.7022% | 5,053 |
| Net charge-offs to loans | 0.2164% | 1,730 |
| Credit loss provision to net charge-offs | 105.7402% | 1,892 |
| Earnings coverage of net charge-offs (x) | 5.4924% | 2,920 |
| Efficiency ratio | 81.1176% | 1,861 |
| Assets per employee ($millions) | 3.4690% | 4,907 |
| Cash dividends to net income (ytd only)* | 71.6667% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 3,159 |
| Loan loss allowance to noncurrent loans | 74.3241% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 2.2809% | 1,318 |
| Noncurrent loans to loans | 1.9333% | 1,763 |
| Net loans and leases to total assets | 53.3373% | 4,614 |
| Net loans and leases to deposits | 60.8130% | 4,801 |
| Net loans and leases to core deposits | 64.3179% | 4,790 |
| Total domestic deposits to total assets | 87.7071% | 2,082 |
| Equity capital to assets | 9.0144% | 5,284 |
| Core capital (leverage) ratio | 8.9497% | 5,093 |
| Tier 1 risk-based capital ratio | 15.3547% | 3,436 |
| Total risk-based capital ratio | 16.6067% | 3,386 |
| Memoranda: | ||
| Average total assets | $549,597,330 | 1,218 |
| Average earning assets | $513,309,670 | 1,194 |
| Average equity | $47,937,330 | 1,496 |
| Average total loans | $305,955,330 | 1,409 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8093% | 4,449 |
| Cost of funding earning assets | 0.3661% | 4,367 |
| Net interest margin | 3.4433% | 3,929 |
| Noninterest income to average assets | 0.2787% | 5,134 |
| Noninterest expense to average assets | 2.8219% | 3,484 |
| Loan and lease loss provision to assets | 0.1170% | 2,016 |
| Net operating income to assets | 0.5162% | 4,606 |
| Return on assets (ROA) | 0.5471% | 4,541 |
| Pretax return on assets | 0.5932% | 4,856 |
| Return on Equity (ROE) | 6.3810% | 3,812 |
| Retained earnings to average equity (ytd only) | 3.9839% | 3,725 |
| Net charge-offs to loans | 0.2345% | 1,385 |
| Credit loss provision to net charge-offs | 88.3978% | 1,817 |
| Earnings coverage of net charge-offs (x) | 5.1105% | 2,425 |
| Efficiency ratio | 80.6607% | 2,100 |
| Assets per employee ($millions) | 3.4711% | 4,985 |
| Cash dividends to net income (ytd only)* | 37.5668% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 3,621 |
| Loan loss allowance to noncurrent loans | 60.1576% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 2.2629% | 1,457 |
| Noncurrent loans to loans | 2.3211% | 1,529 |
| Net loans and leases to total assets | 54.7128% | 4,322 |
| Net loans and leases to deposits | 60.7390% | 4,685 |
| Net loans and leases to core deposits | 63.4387% | 4,738 |
| Total domestic deposits to total assets | 90.0786% | 1,030 |
| Equity capital to assets | 8.7152% | 5,435 |
| Core capital (leverage) ratio | 9.2359% | 4,664 |
| Tier 1 risk-based capital ratio | 15.2745% | 3,562 |
| Total risk-based capital ratio | 16.5263% | 3,511 |
| Memoranda: | ||
| Average total assets | $546,874,500 | 1,234 |
| Average earning assets | $511,375,500 | 1,204 |
| Average equity | $46,889,000 | 1,526 |
| Average total loans | $308,752,500 | 1,403 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 4,016 |
| Cost of funding earning assets | 0.4264% | 4,363 |
| Net interest margin | 3.5944% | 3,488 |
| Noninterest income to average assets | 0.3556% | 4,759 |
| Noninterest expense to average assets | 2.9606% | 3,163 |
| Loan and lease loss provision to assets | 0.1002% | 3,131 |
| Net operating income to assets | 0.6266% | 4,125 |
| Return on assets (ROA) | 0.6469% | 4,155 |
| Pretax return on assets | 0.6807% | 4,608 |
| Return on Equity (ROE) | 7.1417% | 3,494 |
| Retained earnings to average equity (ytd only) | 4.9809% | 2,612 |
| Net charge-offs to loans | 0.3041% | 2,168 |
| Credit loss provision to net charge-offs | 55.2632% | 3,695 |
| Earnings coverage of net charge-offs (x) | 4.1905% | 3,644 |
| Efficiency ratio | 79.5846% | 2,221 |
| Assets per employee ($millions) | 3.4958% | 4,906 |
| Cash dividends to net income (ytd only)* | 30.2566% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 3,739 |
| Loan loss allowance to noncurrent loans | 54.0561% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 2.4315% | 1,421 |
| Noncurrent loans to loans | 2.5544% | 1,470 |
| Net loans and leases to total assets | 56.6525% | 4,232 |
| Net loans and leases to deposits | 62.0254% | 4,712 |
| Net loans and leases to core deposits | 64.2451% | 4,845 |
| Total domestic deposits to total assets | 91.3375% | 460 |
| Equity capital to assets | 8.4301% | 5,658 |
| Core capital (leverage) ratio | 9.2844% | 4,583 |
| Tier 1 risk-based capital ratio | 15.1163% | 3,600 |
| Total risk-based capital ratio | 16.3682% | 3,544 |
| Memoranda: | ||
| Average total assets | $524,184,200 | 1,271 |
| Average earning assets | $490,645,800 | 1,247 |
| Average equity | $47,481,800 | 1,476 |
| Average total loans | $312,440,600 | 1,356 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 3,932 |
| Cost of funding earning assets | 0.4415% | 4,367 |
| Net interest margin | 3.6101% | 3,401 |
| Noninterest income to average assets | 0.3427% | 4,952 |
| Noninterest expense to average assets | 2.9789% | 3,054 |
| Loan and lease loss provision to assets | 0.0834% | 3,397 |
| Net operating income to assets | 0.5622% | 4,515 |
| Return on assets (ROA) | 0.6187% | 4,390 |
| Pretax return on assets | 0.7262% | 4,588 |
| Return on Equity (ROE) | 6.7092% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.6342% | 3,373 |
| Net charge-offs to loans | 0.3833% | 1,674 |
| Credit loss provision to net charge-offs | 36.1513% | 3,788 |
| Earnings coverage of net charge-offs (x) | 3.2225% | 3,763 |
| Efficiency ratio | 80.0345% | 2,096 |
| Assets per employee ($millions) | 3.4307% | 4,991 |
| Cash dividends to net income (ytd only)* | 30.9286% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 4,233 |
| Loan loss allowance to noncurrent loans | 53.8621% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 1.9700% | 2,054 |
| Noncurrent loans to loans | 2.4718% | 1,761 |
| Net loans and leases to total assets | 58.1988% | 3,981 |
| Net loans and leases to deposits | 64.3656% | 4,477 |
| Net loans and leases to core deposits | 67.0082% | 4,622 |
| Total domestic deposits to total assets | 90.4191% | 777 |
| Equity capital to assets | 8.4146% | 5,822 |
| Core capital (leverage) ratio | 9.3422% | 4,625 |
| Tier 1 risk-based capital ratio | 14.7717% | 3,896 |
| Total risk-based capital ratio | 16.0230% | 3,855 |
| Memoranda: | ||
| Average total assets | $519,769,750 | 1,285 |
| Average earning assets | $486,544,000 | 1,269 |
| Average equity | $47,932,750 | 1,474 |
| Average total loans | $312,734,500 | 1,360 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 3,814 |
| Cost of funding earning assets | 0.4554% | 4,367 |
| Net interest margin | 3.6264% | 3,257 |
| Noninterest income to average assets | 0.3053% | 5,268 |
| Noninterest expense to average assets | 3.0047% | 2,987 |
| Loan and lease loss provision to assets | 0.1025% | 3,084 |
| Net operating income to assets | 0.4445% | 5,041 |
| Return on assets (ROA) | 0.5196% | 4,886 |
| Pretax return on assets | 0.6964% | 4,691 |
| Return on Equity (ROE) | 5.4714% | 4,478 |
| Retained earnings to average equity (ytd only) | 3.5648% | 4,049 |
| Net charge-offs to loans | 0.4235% | 1,523 |
| Credit loss provision to net charge-offs | 39.9698% | 3,419 |
| Earnings coverage of net charge-offs (x) | 2.7240% | 3,611 |
| Efficiency ratio | 81.1325% | 2,008 |
| Assets per employee ($millions) | 3.0995% | 5,679 |
| Cash dividends to net income (ytd only)* | 34.8474% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 4,046 |
| Loan loss allowance to noncurrent loans | 57.2639% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 1.9491% | 2,222 |
| Noncurrent loans to loans | 2.4408% | 1,920 |
| Net loans and leases to total assets | 59.6462% | 3,721 |
| Net loans and leases to deposits | 66.0867% | 4,257 |
| Net loans and leases to core deposits | 68.8826% | 4,408 |
| Total domestic deposits to total assets | 90.2545% | 886 |
| Equity capital to assets | 9.2309% | 4,951 |
| Core capital (leverage) ratio | 9.3666% | 4,442 |
| Tier 1 risk-based capital ratio | 14.9213% | 3,832 |
| Total risk-based capital ratio | 16.1737% | 3,797 |
| Memoranda: | ||
| Average total assets | $516,915,670 | 1,296 |
| Average earning assets | $484,397,330 | 1,273 |
| Average equity | $49,091,330 | 1,456 |
| Average total loans | $313,102,000 | 1,354 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 3,853 |
| Cost of funding earning assets | 0.4612% | 4,471 |
| Net interest margin | 3.6073% | 3,229 |
| Noninterest income to average assets | 0.1863% | 6,140 |
| Noninterest expense to average assets | 2.9642% | 3,099 |
| Loan and lease loss provision to assets | 0.1039% | 2,948 |
| Net operating income to assets | 0.4066% | 5,107 |
| Return on assets (ROA) | 0.4072% | 5,249 |
| Pretax return on assets | 0.4965% | 5,272 |
| Return on Equity (ROE) | 4.2293% | 4,982 |
| Retained earnings to average equity (ytd only) | 3.8135% | 3,946 |
| Net charge-offs to loans | 0.1791% | 2,317 |
| Credit loss provision to net charge-offs | 95.7447% | 1,933 |
| Earnings coverage of net charge-offs (x) | 5.5248% | 2,357 |
| Efficiency ratio | 83.1749% | 1,875 |
| Assets per employee ($millions) | 3.1613% | 5,712 |
| Cash dividends to net income (ytd only)* | 9.8299% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 3,741 |
| Loan loss allowance to noncurrent loans | 78.4170% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.6369% | 2,812 |
| Noncurrent loans to loans | 1.9376% | 2,690 |
| Net loans and leases to total assets | 59.3194% | 3,551 |
| Net loans and leases to deposits | 66.1283% | 4,036 |
| Net loans and leases to core deposits | 68.7642% | 4,215 |
| Total domestic deposits to total assets | 89.7035% | 1,228 |
| Equity capital to assets | 9.7058% | 4,555 |
| Core capital (leverage) ratio | 9.3302% | 4,351 |
| Tier 1 risk-based capital ratio | 14.8625% | 3,931 |
| Total risk-based capital ratio | 16.1162% | 3,892 |
| Memoranda: | ||
| Average total assets | $519,661,500 | 1,300 |
| Average earning assets | $486,572,500 | 1,274 |
| Average equity | $50,032,500 | 1,454 |
| Average total loans | $314,968,500 | 1,353 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 3,898 |
| Cost of funding earning assets | 0.5193% | 5,075 |
| Net interest margin | 3.8604% | 2,985 |
| Noninterest income to average assets | 0.3346% | 5,065 |
| Noninterest expense to average assets | 2.9698% | 3,386 |
| Loan and lease loss provision to assets | 0.3947% | 1,652 |
| Net operating income to assets | 0.4760% | 4,774 |
| Return on assets (ROA) | 0.7046% | 3,968 |
| Pretax return on assets | 0.8682% | 4,034 |
| Return on Equity (ROE) | 7.3119% | 3,457 |
| Retained earnings to average equity (ytd only) | 3.3480% | 3,865 |
| Net charge-offs to loans | 0.6880% | 1,718 |
| Credit loss provision to net charge-offs | 90.3182% | 3,467 |
| Earnings coverage of net charge-offs (x) | 2.2438% | 4,299 |
| Efficiency ratio | 74.9145% | 2,919 |
| Assets per employee ($millions) | 3.1953% | 5,630 |
| Cash dividends to net income (ytd only)* | 54.2118% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 3,838 |
| Loan loss allowance to noncurrent loans | 72.2350% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 1.9430% | 2,518 |
| Noncurrent loans to loans | 2.0457% | 2,649 |
| Net loans and leases to total assets | 60.0787% | 3,593 |
| Net loans and leases to deposits | 66.9024% | 4,147 |
| Net loans and leases to core deposits | 69.4458% | 4,380 |
| Total domestic deposits to total assets | 89.8005% | 1,064 |
| Equity capital to assets | 9.5513% | 4,815 |
| Core capital (leverage) ratio | 9.3026% | 4,414 |
| Tier 1 risk-based capital ratio | 14.3406% | 4,135 |
| Total risk-based capital ratio | 15.5940% | 4,092 |
| Memoranda: | ||
| Average total assets | $510,500,200 | 1,309 |
| Average earning assets | $478,157,800 | 1,273 |
| Average equity | $49,194,000 | 1,437 |
| Average total loans | $324,295,800 | 1,299 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 3,891 |
| Cost of funding earning assets | 0.5336% | 5,223 |
| Net interest margin | 3.9043% | 2,899 |
| Noninterest income to average assets | 0.3760% | 4,816 |
| Noninterest expense to average assets | 2.9804% | 3,305 |
| Loan and lease loss provision to assets | 0.3576% | 1,822 |
| Net operating income to assets | 0.5618% | 4,563 |
| Return on assets (ROA) | 0.7538% | 3,930 |
| Pretax return on assets | 0.9410% | 3,954 |
| Return on Equity (ROE) | 7.8044% | 3,368 |
| Retained earnings to average equity (ytd only) | 3.4326% | 4,448 |
| Net charge-offs to loans | 0.4514% | 2,298 |
| Credit loss provision to net charge-offs | 123.4120% | 2,344 |
| Earnings coverage of net charge-offs (x) | 3.6534% | 3,563 |
| Efficiency ratio | 73.4475% | 3,077 |
| Assets per employee ($millions) | 3.3436% | 5,333 |
| Cash dividends to net income (ytd only)* | 56.0168% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6406% | 3,369 |
| Loan loss allowance to noncurrent loans | 79.9754% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.9552% | 2,707 |
| Noncurrent loans to loans | 2.0514% | 2,790 |
| Net loans and leases to total assets | 60.8933% | 3,587 |
| Net loans and leases to deposits | 67.9956% | 4,181 |
| Net loans and leases to core deposits | 70.3910% | 4,451 |
| Total domestic deposits to total assets | 89.5547% | 1,090 |
| Equity capital to assets | 9.7742% | 4,815 |
| Core capital (leverage) ratio | 9.2627% | 4,659 |
| Tier 1 risk-based capital ratio | 14.4029% | 4,255 |
| Total risk-based capital ratio | 15.6583% | 4,224 |
| Memoranda: | ||
| Average total assets | $507,117,000 | 1,332 |
| Average earning assets | $475,767,000 | 1,299 |
| Average equity | $48,979,500 | 1,454 |
| Average total loans | $325,481,250 | 1,306 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4951% | 3,791 |
| Cost of funding earning assets | 0.5479% | 5,320 |
| Net interest margin | 3.9472% | 2,727 |
| Noninterest income to average assets | 0.4260% | 4,462 |
| Noninterest expense to average assets | 2.9697% | 3,374 |
| Loan and lease loss provision to assets | 0.4667% | 1,366 |
| Net operating income to assets | 0.5559% | 4,558 |
| Return on assets (ROA) | 0.7234% | 4,015 |
| Pretax return on assets | 0.8979% | 4,085 |
| Return on Equity (ROE) | 7.5208% | 3,496 |
| Retained earnings to average equity (ytd only) | 3.4417% | 4,312 |
| Net charge-offs to loans | 0.2856% | 2,892 |
| Credit loss provision to net charge-offs | 251.5991% | 1,142 |
| Earnings coverage of net charge-offs (x) | 6.2409% | 2,673 |
| Efficiency ratio | 71.4423% | 3,529 |
| Assets per employee ($millions) | 3.1330% | 5,779 |
| Cash dividends to net income (ytd only)* | 54.2373% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7357% | 3,089 |
| Loan loss allowance to noncurrent loans | 64.0912% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 2.3584% | 2,367 |
| Noncurrent loans to loans | 2.7082% | 2,220 |
| Net loans and leases to total assets | 63.4033% | 3,164 |
| Net loans and leases to deposits | 70.9157% | 3,774 |
| Net loans and leases to core deposits | 73.5376% | 4,090 |
| Total domestic deposits to total assets | 89.4065% | 1,271 |
| Equity capital to assets | 9.7916% | 4,642 |
| Core capital (leverage) ratio | 9.2738% | 4,489 |
| Tier 1 risk-based capital ratio | 13.9996% | 4,447 |
| Total risk-based capital ratio | 15.2562% | 4,404 |
| Memoranda: | ||
| Average total assets | $505,633,000 | 1,339 |
| Average earning assets | $474,156,000 | 1,306 |
| Average equity | $48,638,670 | 1,452 |
| Average total loans | $328,406,000 | 1,295 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 3,733 |
| Cost of funding earning assets | 0.5584% | 5,441 |
| Net interest margin | 3.9881% | 2,558 |
| Noninterest income to average assets | 0.4164% | 4,546 |
| Noninterest expense to average assets | 3.0167% | 3,184 |
| Loan and lease loss provision to assets | 0.2370% | 2,571 |
| Net operating income to assets | 0.7139% | 3,813 |
| Return on assets (ROA) | 0.7601% | 3,811 |
| Pretax return on assets | 0.9624% | 3,820 |
| Return on Equity (ROE) | 7.9730% | 3,293 |
| Retained earnings to average equity (ytd only) | 3.8207% | 4,294 |
| Net charge-offs to loans | 0.4632% | 1,930 |
| Credit loss provision to net charge-offs | 78.5340% | 2,749 |
| Earnings coverage of net charge-offs (x) | 3.7801% | 2,747 |
| Efficiency ratio | 71.5507% | 3,519 |
| Assets per employee ($millions) | 3.2135% | 5,738 |
| Cash dividends to net income (ytd only)* | 52.0790% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 4,233 |
| Loan loss allowance to noncurrent loans | 53.8300% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 2.3524% | 2,531 |
| Noncurrent loans to loans | 2.7619% | 2,352 |
| Net loans and leases to total assets | 64.6005% | 2,740 |
| Net loans and leases to deposits | 72.0771% | 3,424 |
| Net loans and leases to core deposits | 75.0845% | 3,733 |
| Total domestic deposits to total assets | 89.6270% | 1,284 |
| Equity capital to assets | 9.6945% | 4,529 |
| Core capital (leverage) ratio | 9.2322% | 4,467 |
| Tier 1 risk-based capital ratio | 13.7924% | 4,620 |
| Total risk-based capital ratio | 15.0459% | 4,599 |
| Memoranda: | ||
| Average total assets | $506,244,000 | 1,343 |
| Average earning assets | $474,909,500 | 1,312 |
| Average equity | $48,263,000 | 1,457 |
| Average total loans | $329,878,000 | 1,287 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8137% | 3,747 |
| Cost of funding earning assets | 0.6507% | 5,821 |
| Net interest margin | 4.1631% | 2,182 |
| Noninterest income to average assets | 0.3257% | 5,211 |
| Noninterest expense to average assets | 3.0205% | 3,518 |
| Loan and lease loss provision to assets | 0.3977% | 2,607 |
| Net operating income to assets | 0.6619% | 3,683 |
| Return on assets (ROA) | 0.7324% | 3,503 |
| Pretax return on assets | 0.9146% | 3,561 |
| Return on Equity (ROE) | 7.8560% | 2,982 |
| Retained earnings to average equity (ytd only) | 5.0448% | 2,609 |
| Net charge-offs to loans | 0.6753% | 2,468 |
| Credit loss provision to net charge-offs | 86.8210% | 4,160 |
| Earnings coverage of net charge-offs (x) | 2.6723% | 3,874 |
| Efficiency ratio | 70.1456% | 3,916 |
| Assets per employee ($millions) | 3.2150% | 5,678 |
| Cash dividends to net income (ytd only)* | 35.7839% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 4,100 |
| Loan loss allowance to noncurrent loans | 53.4184% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 2.3048% | 2,617 |
| Noncurrent loans to loans | 2.7749% | 2,355 |
| Net loans and leases to total assets | 63.8014% | 3,233 |
| Net loans and leases to deposits | 70.9132% | 3,964 |
| Net loans and leases to core deposits | 74.8169% | 4,132 |
| Total domestic deposits to total assets | 89.9712% | 1,010 |
| Equity capital to assets | 9.3777% | 5,049 |
| Core capital (leverage) ratio | 9.2009% | 4,467 |
| Tier 1 risk-based capital ratio | 13.6442% | 4,596 |
| Total risk-based capital ratio | 14.8980% | 4,552 |
| Memoranda: | ||
| Average total assets | $490,283,800 | 1,364 |
| Average earning assets | $461,534,000 | 1,328 |
| Average equity | $45,710,400 | 1,491 |
| Average total loans | $332,595,200 | 1,277 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8976% | 3,572 |
| Cost of funding earning assets | 0.6799% | 5,879 |
| Net interest margin | 4.2176% | 2,033 |
| Noninterest income to average assets | 0.3750% | 4,868 |
| Noninterest expense to average assets | 3.1275% | 3,064 |
| Loan and lease loss provision to assets | 0.2836% | 3,255 |
| Net operating income to assets | 0.7337% | 3,457 |
| Return on assets (ROA) | 0.7902% | 3,380 |
| Pretax return on assets | 1.0088% | 3,367 |
| Return on Equity (ROE) | 8.4887% | 2,823 |
| Retained earnings to average equity (ytd only) | 5.6611% | 2,766 |
| Net charge-offs to loans | 0.6625% | 2,260 |
| Credit loss provision to net charge-offs | 62.3487% | 4,734 |
| Earnings coverage of net charge-offs (x) | 2.6822% | 3,781 |
| Efficiency ratio | 70.9373% | 3,754 |
| Assets per employee ($millions) | 3.1717% | 5,748 |
| Cash dividends to net income (ytd only)* | 33.3100% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 4,608 |
| Loan loss allowance to noncurrent loans | 44.5776% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 2.4508% | 2,628 |
| Noncurrent loans to loans | 3.1173% | 2,228 |
| Net loans and leases to total assets | 65.7248% | 2,963 |
| Net loans and leases to deposits | 73.2918% | 3,761 |
| Net loans and leases to core deposits | 77.4314% | 3,984 |
| Total domestic deposits to total assets | 89.6755% | 1,054 |
| Equity capital to assets | 9.5996% | 4,939 |
| Core capital (leverage) ratio | 9.2802% | 4,482 |
| Tier 1 risk-based capital ratio | 13.5641% | 4,697 |
| Total risk-based capital ratio | 14.8166% | 4,658 |
| Memoranda: | ||
| Average total assets | $484,255,000 | 1,382 |
| Average earning assets | $456,106,250 | 1,342 |
| Average equity | $45,078,250 | 1,509 |
| Average total loans | $332,461,000 | 1,282 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9559% | 3,379 |
| Cost of funding earning assets | 0.7075% | 5,913 |
| Net interest margin | 4.2483% | 1,853 |
| Noninterest income to average assets | 0.3060% | 5,449 |
| Noninterest expense to average assets | 3.1850% | 2,954 |
| Loan and lease loss provision to assets | 0.1001% | 5,071 |
| Net operating income to assets | 0.7958% | 3,101 |
| Return on assets (ROA) | 0.8159% | 3,127 |
| Pretax return on assets | 1.0524% | 3,035 |
| Return on Equity (ROE) | 8.8612% | 2,572 |
| Retained earnings to average equity (ytd only) | 3.9710% | 3,671 |
| Net charge-offs to loans | 0.4726% | 2,687 |
| Credit loss provision to net charge-offs | 30.5344% | 4,980 |
| Earnings coverage of net charge-offs (x) | 3.4377% | 3,167 |
| Efficiency ratio | 72.8556% | 3,573 |
| Assets per employee ($millions) | 2.8953% | 6,311 |
| Cash dividends to net income (ytd only)* | 55.1865% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 4,520 |
| Loan loss allowance to noncurrent loans | 50.1336% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 2.3468% | 2,806 |
| Noncurrent loans to loans | 2.8129% | 2,586 |
| Net loans and leases to total assets | 68.6218% | 2,491 |
| Net loans and leases to deposits | 77.4402% | 3,228 |
| Net loans and leases to core deposits | 82.1559% | 3,477 |
| Total domestic deposits to total assets | 88.6126% | 1,777 |
| Equity capital to assets | 9.5703% | 4,708 |
| Core capital (leverage) ratio | 9.2729% | 4,288 |
| Tier 1 risk-based capital ratio | 13.2669% | 4,714 |
| Total risk-based capital ratio | 14.5198% | 4,689 |
| Memoranda: | ||
| Average total assets | $479,686,670 | 1,402 |
| Average earning assets | $452,271,000 | 1,354 |
| Average equity | $44,170,330 | 1,522 |
| Average total loans | $332,649,670 | 1,304 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9197% | 3,487 |
| Cost of funding earning assets | 0.7320% | 5,965 |
| Net interest margin | 4.1876% | 1,935 |
| Noninterest income to average assets | 0.3528% | 5,077 |
| Noninterest expense to average assets | 3.1548% | 3,054 |
| Loan and lease loss provision to assets | 0.0999% | 4,758 |
| Net operating income to assets | 0.8255% | 2,906 |
| Return on assets (ROA) | 0.8172% | 2,997 |
| Pretax return on assets | 1.0577% | 2,910 |
| Return on Equity (ROE) | 9.0515% | 2,456 |
| Retained earnings to average equity (ytd only) | 2.7284% | 4,536 |
| Net charge-offs to loans | 0.4063% | 2,473 |
| Credit loss provision to net charge-offs | 35.5030% | 4,030 |
| Earnings coverage of net charge-offs (x) | 4.1538% | 2,550 |
| Efficiency ratio | 71.9538% | 3,879 |
| Assets per employee ($millions) | 2.9212% | 6,306 |
| Cash dividends to net income (ytd only)* | 69.8574% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 4,115 |
| Loan loss allowance to noncurrent loans | 56.9806% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 2.2375% | 3,017 |
| Noncurrent loans to loans | 2.6649% | 2,826 |
| Net loans and leases to total assets | 67.4920% | 2,654 |
| Net loans and leases to deposits | 74.7158% | 3,646 |
| Net loans and leases to core deposits | 77.9100% | 4,032 |
| Total domestic deposits to total assets | 90.3316% | 947 |
| Equity capital to assets | 9.1072% | 5,032 |
| Core capital (leverage) ratio | 9.1889% | 4,311 |
| Tier 1 risk-based capital ratio | 13.2370% | 4,628 |
| Total risk-based capital ratio | 14.4912% | 4,606 |
| Memoranda: | ||
| Average total assets | $480,670,000 | 1,408 |
| Average earning assets | $455,722,500 | 1,355 |
| Average equity | $43,396,000 | 1,538 |
| Average total loans | $332,720,000 | 1,320 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1751% | 3,726 |
| Cost of funding earning assets | 0.8761% | 6,261 |
| Net interest margin | 4.2990% | 1,825 |
| Noninterest income to average assets | 0.3714% | 5,126 |
| Noninterest expense to average assets | 3.0807% | 3,544 |
| Loan and lease loss provision to assets | 0.6117% | 2,686 |
| Net operating income to assets | 0.6074% | 3,636 |
| Return on assets (ROA) | 0.7016% | 3,349 |
| Pretax return on assets | 0.8660% | 3,418 |
| Return on Equity (ROE) | 8.0528% | 2,681 |
| Retained earnings to average equity (ytd only) | 4.8031% | 2,542 |
| Net charge-offs to loans | 0.3153% | 4,443 |
| Credit loss provision to net charge-offs | 284.5650% | 957 |
| Earnings coverage of net charge-offs (x) | 6.3340% | 2,380 |
| Efficiency ratio | 68.3958% | 4,479 |
| Assets per employee ($millions) | 2.9228% | 6,265 |
| Cash dividends to net income (ytd only)* | 40.3554% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5619% | 3,729 |
| Loan loss allowance to noncurrent loans | 61.7144% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 2.1828% | 3,117 |
| Noncurrent loans to loans | 2.5308% | 2,995 |
| Net loans and leases to total assets | 68.8194% | 2,783 |
| Net loans and leases to deposits | 76.0330% | 3,835 |
| Net loans and leases to core deposits | 79.5236% | 4,273 |
| Total domestic deposits to total assets | 90.5125% | 824 |
| Equity capital to assets | 8.9488% | 5,212 |
| Core capital (leverage) ratio | 8.9295% | 4,646 |
| Tier 1 risk-based capital ratio | 12.8785% | 4,701 |
| Total risk-based capital ratio | 14.1331% | 4,668 |
| Memoranda: | ||
| Average total assets | $497,324,200 | 1,357 |
| Average earning assets | $470,925,200 | 1,299 |
| Average equity | $43,326,400 | 1,535 |
| Average total loans | $339,049,200 | 1,315 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2038% | 3,810 |
| Cost of funding earning assets | 0.9054% | 6,378 |
| Net interest margin | 4.2983% | 1,854 |
| Noninterest income to average assets | 0.3534% | 5,338 |
| Noninterest expense to average assets | 3.0709% | 3,476 |
| Loan and lease loss provision to assets | 0.2001% | 5,054 |
| Net operating income to assets | 0.8884% | 2,655 |
| Return on assets (ROA) | 0.9530% | 2,532 |
| Pretax return on assets | 1.2379% | 2,371 |
| Return on Equity (ROE) | 11.0110% | 1,782 |
| Retained earnings to average equity (ytd only) | 6.0504% | 2,325 |
| Net charge-offs to loans | 0.0678% | 5,834 |
| Credit loss provision to net charge-offs | 435.2601% | 691 |
| Earnings coverage of net charge-offs (x) | 29.4568% | 891 |
| Efficiency ratio | 68.4520% | 4,382 |
| Assets per employee ($millions) | 2.9835% | 6,183 |
| Cash dividends to net income (ytd only)* | 45.0515% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 5,889 |
| Loan loss allowance to noncurrent loans | 141.8545% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.9642% | 5,158 |
| Noncurrent loans to loans | 0.7843% | 5,644 |
| Net loans and leases to total assets | 70.1812% | 2,692 |
| Net loans and leases to deposits | 79.3195% | 3,575 |
| Net loans and leases to core deposits | 85.3421% | 3,753 |
| Total domestic deposits to total assets | 88.4791% | 1,681 |
| Equity capital to assets | 9.3085% | 5,127 |
| Core capital (leverage) ratio | 8.8530% | 4,919 |
| Tier 1 risk-based capital ratio | 12.6505% | 4,854 |
| Total risk-based capital ratio | 13.8376% | 4,884 |
| Memoranda: | ||
| Average total assets | $501,821,250 | 1,347 |
| Average earning assets | $475,336,750 | 1,304 |
| Average equity | $43,434,250 | 1,536 |
| Average total loans | $340,034,000 | 1,325 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2253% | 3,824 |
| Cost of funding earning assets | 0.9511% | 6,374 |
| Net interest margin | 4.2743% | 1,874 |
| Noninterest income to average assets | 0.3314% | 5,511 |
| Noninterest expense to average assets | 3.0722% | 3,422 |
| Loan and lease loss provision to assets | 0.1787% | 5,082 |
| Net operating income to assets | 0.8660% | 2,672 |
| Return on assets (ROA) | 0.9550% | 2,433 |
| Pretax return on assets | 1.2434% | 2,278 |
| Return on Equity (ROE) | 11.3070% | 1,645 |
| Retained earnings to average equity (ytd only) | 7.4399% | 1,659 |
| Net charge-offs to loans | 0.0497% | 5,691 |
| Credit loss provision to net charge-offs | 539.2857% | 690 |
| Earnings coverage of net charge-offs (x) | 39.4286% | 736 |
| Efficiency ratio | 69.2162% | 4,330 |
| Assets per employee ($millions) | 2.8922% | 6,373 |
| Cash dividends to net income (ytd only)* | 34.2007% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 6,171 |
| Loan loss allowance to noncurrent loans | 131.2477% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.9598% | 5,215 |
| Noncurrent loans to loans | 0.8020% | 5,670 |
| Net loans and leases to total assets | 68.9793% | 3,135 |
| Net loans and leases to deposits | 80.4363% | 3,528 |
| Net loans and leases to core deposits | 86.6552% | 3,741 |
| Total domestic deposits to total assets | 85.7564% | 3,227 |
| Equity capital to assets | 8.9423% | 5,537 |
| Core capital (leverage) ratio | 8.5236% | 5,368 |
| Tier 1 risk-based capital ratio | 12.5391% | 4,824 |
| Total risk-based capital ratio | 13.6624% | 4,911 |
| Memoranda: | ||
| Average total assets | $506,992,670 | 1,339 |
| Average earning assets | $480,084,000 | 1,294 |
| Average equity | $42,823,000 | 1,549 |
| Average total loans | $338,333,330 | 1,348 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1644% | 4,227 |
| Cost of funding earning assets | 0.9872% | 6,433 |
| Net interest margin | 4.1772% | 2,134 |
| Noninterest income to average assets | 0.2899% | 5,826 |
| Noninterest expense to average assets | 3.0288% | 3,567 |
| Loan and lease loss provision to assets | 0.1348% | 5,213 |
| Net operating income to assets | 0.8469% | 2,763 |
| Return on assets (ROA) | 0.8651% | 2,780 |
| Pretax return on assets | 1.1107% | 2,697 |
| Return on Equity (ROE) | 10.5408% | 1,929 |
| Retained earnings to average equity (ytd only) | 3.3996% | 4,119 |
| Net charge-offs to loans | 0.0537% | 4,868 |
| Credit loss provision to net charge-offs | 384.4444% | 1,053 |
| Earnings coverage of net charge-offs (x) | 34.8444% | 782 |
| Efficiency ratio | 70.2787% | 4,247 |
| Assets per employee ($millions) | 3.0456% | 6,113 |
| Cash dividends to net income (ytd only)* | 67.7477% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,477 |
| Loan loss allowance to noncurrent loans | 130.4582% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.9003% | 5,360 |
| Noncurrent loans to loans | 0.7665% | 5,792 |
| Net loans and leases to total assets | 65.9502% | 3,860 |
| Net loans and leases to deposits | 74.3579% | 4,690 |
| Net loans and leases to core deposits | 78.8163% | 4,918 |
| Total domestic deposits to total assets | 88.6929% | 1,679 |
| Equity capital to assets | 8.4301% | 6,108 |
| Core capital (leverage) ratio | 8.1163% | 6,046 |
| Tier 1 risk-based capital ratio | 12.2743% | 4,920 |
| Total risk-based capital ratio | 13.3176% | 5,094 |
| Memoranda: | ||
| Average total assets | $513,209,000 | 1,352 |
| Average earning assets | $486,644,000 | 1,311 |
| Average equity | $42,122,000 | 1,588 |
| Average total loans | $335,113,500 | 1,398 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1827% | 5,732 |
| Cost of funding earning assets | 1.3225% | 6,230 |
| Net interest margin | 3.8602% | 3,438 |
| Noninterest income to average assets | 0.3347% | 5,698 |
| Noninterest expense to average assets | 2.9988% | 4,147 |
| Loan and lease loss provision to assets | 0.1494% | 6,168 |
| Net operating income to assets | 0.7487% | 2,727 |
| Return on assets (ROA) | 0.6009% | 3,405 |
| Pretax return on assets | 0.6876% | 3,613 |
| Return on Equity (ROE) | 7.7582% | 2,475 |
| Retained earnings to average equity (ytd only) | 5.0604% | 1,789 |
| Net charge-offs to loans | 0.0208% | 6,938 |
| Credit loss provision to net charge-offs | 1,141.7910% | 262 |
| Earnings coverage of net charge-offs (x) | 76.9552% | 352 |
| Efficiency ratio | 73.8348% | 3,929 |
| Assets per employee ($millions) | 3.0821% | 6,029 |
| Cash dividends to net income (ytd only)* | 34.7741% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 6,467 |
| Loan loss allowance to noncurrent loans | 143.0891% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 5,455 |
| Noncurrent loans to loans | 0.6877% | 5,860 |
| Net loans and leases to total assets | 63.3727% | 4,730 |
| Net loans and leases to deposits | 70.5243% | 5,533 |
| Net loans and leases to core deposits | 83.5995% | 5,755 |
| Total domestic deposits to total assets | 89.8594% | 1,034 |
| Equity capital to assets | 7.9890% | 6,598 |
| Core capital (leverage) ratio | 7.9934% | 6,208 |
| Tier 1 risk-based capital ratio | 12.1609% | 4,809 |
| Total risk-based capital ratio | 13.1628% | 4,973 |
| Memoranda: | ||
| Average total assets | $512,068,400 | 1,344 |
| Average earning assets | $486,964,000 | 1,297 |
| Average equity | $39,661,200 | 1,689 |
| Average total loans | $322,172,200 | 1,491 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1649% | 6,043 |
| Cost of funding earning assets | 1.3962% | 6,246 |
| Net interest margin | 3.7687% | 3,784 |
| Noninterest income to average assets | 0.3347% | 5,808 |
| Noninterest expense to average assets | 3.0236% | 3,955 |
| Loan and lease loss provision to assets | 0.0627% | 6,734 |
| Net operating income to assets | 0.6739% | 3,299 |
| Return on assets (ROA) | 0.7094% | 3,238 |
| Pretax return on assets | 0.8763% | 3,296 |
| Return on Equity (ROE) | 9.2331% | 2,184 |
| Retained earnings to average equity (ytd only) | 3.9794% | 3,055 |
| Net charge-offs to loans | 0.0659% | 6,034 |
| Credit loss provision to net charge-offs | 151.8987% | 3,151 |
| Earnings coverage of net charge-offs (x) | 21.6963% | 1,188 |
| Efficiency ratio | 76.1061% | 3,494 |
| Assets per employee ($millions) | 3.1878% | 5,681 |
| Cash dividends to net income (ytd only)* | 56.9009% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 7,094 |
| Loan loss allowance to noncurrent loans | 121.2746% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7915% | 5,534 |
| Noncurrent loans to loans | 0.6656% | 5,970 |
| Net loans and leases to total assets | 61.7988% | 5,279 |
| Net loans and leases to deposits | 68.7268% | 6,064 |
| Net loans and leases to core deposits | 82.1600% | 6,172 |
| Total domestic deposits to total assets | 89.9195% | 799 |
| Equity capital to assets | 7.7607% | 7,078 |
| Core capital (leverage) ratio | 7.9112% | 6,488 |
| Tier 1 risk-based capital ratio | 11.9302% | 5,033 |
| Total risk-based capital ratio | 12.7516% | 5,378 |
| Memoranda: | ||
| Average total assets | $510,635,750 | 1,364 |
| Average earning assets | $485,601,250 | 1,317 |
| Average equity | $39,234,750 | 1,734 |
| Average total loans | $319,864,250 | 1,525 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1701% | 6,192 |
| Cost of funding earning assets | 1.4788% | 6,225 |
| Net interest margin | 3.6913% | 3,989 |
| Noninterest income to average assets | 0.3537% | 5,671 |
| Noninterest expense to average assets | 3.0836% | 3,765 |
| Loan and lease loss provision to assets | 0.0633% | 6,578 |
| Net operating income to assets | 0.6121% | 3,628 |
| Return on assets (ROA) | 0.6643% | 3,521 |
| Pretax return on assets | 0.7865% | 3,714 |
| Return on Equity (ROE) | 8.6756% | 2,491 |
| Retained earnings to average equity (ytd only) | 3.6997% | 3,236 |
| Net charge-offs to loans | 0.0788% | 5,415 |
| Credit loss provision to net charge-offs | 128.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | 15.9280% | 1,563 |
| Efficiency ratio | 78.5795% | 3,257 |
| Assets per employee ($millions) | 2.9642% | 6,225 |
| Cash dividends to net income (ytd only)* | 57.3556% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 7,125 |
| Loan loss allowance to noncurrent loans | 118.9016% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8221% | 5,343 |
| Noncurrent loans to loans | 0.6799% | 5,889 |
| Net loans and leases to total assets | 62.8914% | 5,199 |
| Net loans and leases to deposits | 70.8900% | 5,887 |
| Net loans and leases to core deposits | 84.6693% | 6,035 |
| Total domestic deposits to total assets | 88.7169% | 1,423 |
| Equity capital to assets | 7.4867% | 7,279 |
| Core capital (leverage) ratio | 7.7493% | 6,672 |
| Tier 1 risk-based capital ratio | 11.9181% | 4,982 |
| Total risk-based capital ratio | 12.7310% | 5,319 |
| Memoranda: | ||
| Average total assets | $505,519,000 | 1,407 |
| Average earning assets | $481,733,330 | 1,339 |
| Average equity | $38,706,330 | 1,762 |
| Average total loans | $317,253,000 | 1,567 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1723% | 6,404 |
| Cost of funding earning assets | 1.5039% | 6,389 |
| Net interest margin | 3.6684% | 4,030 |
| Noninterest income to average assets | 0.3526% | 5,620 |
| Noninterest expense to average assets | 2.9459% | 3,989 |
| Loan and lease loss provision to assets | 0.0792% | 5,960 |
| Net operating income to assets | 0.6877% | 3,615 |
| Return on assets (ROA) | 0.7028% | 3,733 |
| Pretax return on assets | 0.8478% | 3,900 |
| Return on Equity (ROE) | 9.0777% | 2,679 |
| Retained earnings to average equity (ytd only) | 2.5585% | 4,456 |
| Net charge-offs to loans | 0.0165% | 5,345 |
| Credit loss provision to net charge-offs | 769.2308% | 774 |
| Earnings coverage of net charge-offs (x) | 88.2308% | 487 |
| Efficiency ratio | 75.3340% | 3,598 |
| Assets per employee ($millions) | 3.1359% | 5,791 |
| Cash dividends to net income (ytd only)* | 71.8151% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 6,988 |
| Loan loss allowance to noncurrent loans | 83.3805% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 5,652 |
| Noncurrent loans to loans | 1.0141% | 4,971 |
| Net loans and leases to total assets | 60.0330% | 5,643 |
| Net loans and leases to deposits | 65.3772% | 6,431 |
| Net loans and leases to core deposits | 83.7318% | 6,079 |
| Total domestic deposits to total assets | 91.8256% | 207 |
| Equity capital to assets | 7.5291% | 7,328 |
| Core capital (leverage) ratio | 7.9188% | 6,588 |
| Tier 1 risk-based capital ratio | 11.9917% | 4,973 |
| Total risk-based capital ratio | 12.8339% | 5,230 |
| Memoranda: | ||
| Average total assets | $504,837,000 | 1,406 |
| Average earning assets | $481,953,500 | 1,342 |
| Average equity | $39,085,000 | 1,737 |
| Average total loans | $315,187,500 | 1,588 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6915% | 6,804 |
| Cost of funding earning assets | 1.9902% | 6,439 |
| Net interest margin | 3.7014% | 4,467 |
| Noninterest income to average assets | 0.3067% | 6,255 |
| Noninterest expense to average assets | 2.9294% | 4,337 |
| Loan and lease loss provision to assets | 0.0600% | 6,660 |
| Net operating income to assets | 0.6786% | 3,992 |
| Return on assets (ROA) | 0.6915% | 3,761 |
| Pretax return on assets | 0.8416% | 3,925 |
| Return on Equity (ROE) | 8.9008% | 2,675 |
| Retained earnings to average equity (ytd only) | 0.7953% | 4,745 |
| Net charge-offs to loans | -0.0457% | 8,017 |
| Credit loss provision to net charge-offs | -214.3885% | 7,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6673% | 3,290 |
| Assets per employee ($millions) | 2.7655% | 6,649 |
| Cash dividends to net income (ytd only)* | 91.0652% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 7,074 |
| Loan loss allowance to noncurrent loans | 80.8008% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 0.6444% | 5,286 |
| Noncurrent loans to loans | 1.0003% | 4,595 |
| Net loans and leases to total assets | 63.8980% | 5,290 |
| Net loans and leases to deposits | 70.8566% | 6,188 |
| Net loans and leases to core deposits | 87.3196% | 6,034 |
| Total domestic deposits to total assets | 90.1792% | 584 |
| Equity capital to assets | 7.9660% | 6,892 |
| Core capital (leverage) ratio | 7.9618% | 6,551 |
| Tier 1 risk-based capital ratio | 12.0853% | 4,750 |
| Total risk-based capital ratio | 12.9122% | 4,985 |
| Memoranda: | ||
| Average total assets | $496,890,600 | 1,363 |
| Average earning assets | $471,016,800 | 1,314 |
| Average equity | $38,603,400 | 1,751 |
| Average total loans | $304,020,000 | 1,593 |