Home > The Bank of Landisburg > Performance and Condition Ratios
The Bank of Landisburg, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 3,398 |
| Cost of funding earning assets | 1.3657% | 2,317 |
| Net interest margin | 2.9612% | 3,374 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 1.8625% | 3,906 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.0040% | 2,210 |
| Return on assets (ROA) | 1.0033% | 2,194 |
| Pretax return on assets | 1.2258% | 2,075 |
| Return on Equity (ROE) | 6.7700% | 3,336 |
| Retained earnings to average equity (ytd only) | 4.0157% | 2,956 |
| Net charge-offs to loans | -0.0080% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.0052% | 3,077 |
| Assets per employee ($millions) | 7.6579% | 1,618 |
| Cash dividends to net income (ytd only)* | 40.6902% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 2,873 |
| Loan loss allowance to noncurrent loans | 160.5807% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 1,195 |
| Noncurrent loans to loans | 0.6811% | 1,152 |
| Net loans and leases to total assets | 67.9300% | 2,043 |
| Net loans and leases to deposits | 80.2911% | 2,078 |
| Net loans and leases to core deposits | 86.4763% | 2,276 |
| Total domestic deposits to total assets | 84.6000% | 2,435 |
| Equity capital to assets | 15.0070% | 553 |
| Core capital (leverage) ratio | 16.1371% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $372,572,000 | 2,107 |
| Average earning assets | $352,120,400 | 2,082 |
| Average equity | $55,207,800 | 1,484 |
| Average total loans | $262,607,600 | 1,948 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 3,418 |
| Cost of funding earning assets | 1.2878% | 2,181 |
| Net interest margin | 2.9422% | 3,451 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.8162% | 3,946 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0048% | 2,353 |
| Return on assets (ROA) | 1.0022% | 2,345 |
| Pretax return on assets | 1.2368% | 2,206 |
| Return on Equity (ROE) | 6.7900% | 3,485 |
| Retained earnings to average equity (ytd only) | 4.9433% | 2,952 |
| Net charge-offs to loans | -0.0163% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.0440% | 3,080 |
| Assets per employee ($millions) | 7.7841% | 1,457 |
| Cash dividends to net income (ytd only)* | 27.1485% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 2,951 |
| Loan loss allowance to noncurrent loans | 185.6303% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 1,436 |
| Noncurrent loans to loans | 0.5831% | 1,374 |
| Net loans and leases to total assets | 68.0900% | 2,034 |
| Net loans and leases to deposits | 79.8968% | 2,062 |
| Net loans and leases to core deposits | 84.5450% | 2,291 |
| Total domestic deposits to total assets | 85.2200% | 2,435 |
| Equity capital to assets | 14.4478% | 590 |
| Core capital (leverage) ratio | 16.5621% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $369,991,250 | 2,123 |
| Average earning assets | $349,434,250 | 2,099 |
| Average equity | $54,644,500 | 1,488 |
| Average total loans | $262,518,750 | 1,949 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1660% | 3,365 |
| Cost of funding earning assets | 1.2046% | 1,974 |
| Net interest margin | 2.9614% | 3,540 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 1.7855% | 4,026 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0351% | 2,299 |
| Return on assets (ROA) | 1.0334% | 2,305 |
| Pretax return on assets | 1.2770% | 2,144 |
| Return on Equity (ROE) | 6.9400% | 3,494 |
| Retained earnings to average equity (ytd only) | 4.1732% | 3,168 |
| Net charge-offs to loans | -0.0282% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.6950% | 3,222 |
| Assets per employee ($millions) | 7.8354% | 1,398 |
| Cash dividends to net income (ytd only)* | 39.9049% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 2,945 |
| Loan loss allowance to noncurrent loans | 238.4171% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 1,605 |
| Noncurrent loans to loans | 0.4628% | 1,556 |
| Net loans and leases to total assets | 70.3900% | 1,698 |
| Net loans and leases to deposits | 83.0167% | 1,758 |
| Net loans and leases to core deposits | 87.6409% | 1,949 |
| Total domestic deposits to total assets | 84.7900% | 2,599 |
| Equity capital to assets | 14.8600% | 537 |
| Core capital (leverage) ratio | 16.3844% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $366,181,333 | 2,143 |
| Average earning assets | $345,510,333 | 2,119 |
| Average equity | $54,490,333 | 1,495 |
| Average total loans | $262,510,333 | 1,946 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 3,310 |
| Cost of funding earning assets | 1.0985% | 1,753 |
| Net interest margin | 2.9740% | 3,652 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.7100% | 4,184 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0734% | 2,310 |
| Return on assets (ROA) | 1.0725% | 2,283 |
| Pretax return on assets | 1.3266% | 2,096 |
| Return on Equity (ROE) | 7.2000% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.2020% | 2,443 |
| Net charge-offs to loans | 0.0061% | 1,732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 316.7500% | 355 |
| Efficiency ratio | 55.1980% | 3,488 |
| Assets per employee ($millions) | 7.7777% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 3,128 |
| Loan loss allowance to noncurrent loans | 202.6297% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 1,341 |
| Noncurrent loans to loans | 0.5358% | 1,382 |
| Net loans and leases to total assets | 71.0500% | 1,517 |
| Net loans and leases to deposits | 84.1013% | 1,491 |
| Net loans and leases to core deposits | 88.5701% | 1,702 |
| Total domestic deposits to total assets | 84.4800% | 2,976 |
| Equity capital to assets | 15.1398% | 474 |
| Core capital (leverage) ratio | 16.5850% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $365,139,500 | 2,175 |
| Average earning assets | $344,457,000 | 2,151 |
| Average equity | $54,373,500 | 1,505 |
| Average total loans | $262,703,000 | 1,962 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 2,235 |
| Cost of funding earning assets | 0.5076% | 1,333 |
| Net interest margin | 3.3070% | 2,546 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 1.8776% | 3,878 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.2941% | 1,455 |
| Return on assets (ROA) | 1.2110% | 1,675 |
| Pretax return on assets | 1.5054% | 1,439 |
| Return on Equity (ROE) | 7.9700% | 3,396 |
| Retained earnings to average equity (ytd only) | 5.2753% | 2,936 |
| Net charge-offs to loans | 0.1067% | 701 |
| Credit loss provision to net charge-offs | 102.2305% | 1,540 |
| Earnings coverage of net charge-offs (x) | 22.6431% | 1,832 |
| Efficiency ratio | 52.6986% | 3,917 |
| Assets per employee ($millions) | 7.5985% | 1,547 |
| Cash dividends to net income (ytd only)* | 33.8131% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,132 |
| Loan loss allowance to noncurrent loans | 200.2180% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 1,357 |
| Noncurrent loans to loans | 0.5235% | 1,398 |
| Net loans and leases to total assets | 71.3100% | 1,493 |
| Net loans and leases to deposits | 83.8194% | 1,483 |
| Net loans and leases to core deposits | 87.2150% | 1,665 |
| Total domestic deposits to total assets | 85.0700% | 2,978 |
| Equity capital to assets | 14.6420% | 513 |
| Core capital (leverage) ratio | 16.1570% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $361,422,000 | 2,176 |
| Average earning assets | $340,396,600 | 2,152 |
| Average equity | $54,916,200 | 1,501 |
| Average total loans | $252,004,000 | 1,931 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6920% | 2,071 |
| Cost of funding earning assets | 0.4385% | 1,044 |
| Net interest margin | 3.2535% | 2,444 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.8513% | 3,868 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2205% | 1,626 |
| Return on assets (ROA) | 1.2139% | 1,625 |
| Pretax return on assets | 1.5045% | 1,392 |
| Return on Equity (ROE) | 7.9200% | 3,357 |
| Retained earnings to average equity (ytd only) | 6.1391% | 2,704 |
| Net charge-offs to loans | 0.1251% | 508 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 17.4829% | 1,787 |
| Efficiency ratio | 55.0341% | 3,720 |
| Assets per employee ($millions) | 7.6997% | 1,486 |
| Cash dividends to net income (ytd only)* | 22.4490% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 3,591 |
| Loan loss allowance to noncurrent loans | 149.9702% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 918 |
| Noncurrent loans to loans | 0.6511% | 1,253 |
| Net loans and leases to total assets | 69.0100% | 1,569 |
| Net loans and leases to deposits | 80.9278% | 1,528 |
| Net loans and leases to core deposits | 83.7072% | 1,678 |
| Total domestic deposits to total assets | 85.2700% | 3,226 |
| Equity capital to assets | 14.4863% | 506 |
| Core capital (leverage) ratio | 16.7372% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $360,596,000 | 2,193 |
| Average earning assets | $339,605,500 | 2,167 |
| Average equity | $55,294,500 | 1,508 |
| Average total loans | $249,299,000 | 1,945 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6195% | 1,778 |
| Cost of funding earning assets | 0.3999% | 921 |
| Net interest margin | 3.2196% | 2,126 |
| Noninterest income to average assets | 0.3026% | 3,348 |
| Noninterest expense to average assets | 1.7880% | 3,990 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2499% | 1,275 |
| Return on assets (ROA) | 1.2422% | 1,286 |
| Pretax return on assets | 1.5403% | 1,072 |
| Return on Equity (ROE) | 7.9492% | 3,029 |
| Retained earnings to average equity (ytd only) | 5.3150% | 2,584 |
| Net charge-offs to loans | 0.1906% | 340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 11.7915% | 1,723 |
| Efficiency ratio | 53.5690% | 4,002 |
| Assets per employee ($millions) | 7.2140% | 1,801 |
| Cash dividends to net income (ytd only)* | 33.1382% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 3,616 |
| Loan loss allowance to noncurrent loans | 154.1386% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 953 |
| Noncurrent loans to loans | 0.6454% | 1,327 |
| Net loans and leases to total assets | 70.7833% | 1,223 |
| Net loans and leases to deposits | 83.7848% | 1,136 |
| Net loans and leases to core deposits | 86.7411% | 1,280 |
| Total domestic deposits to total assets | 84.4823% | 3,593 |
| Equity capital to assets | 15.2928% | 382 |
| Core capital (leverage) ratio | 16.5249% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,600,000 | 2,213 |
| Average earning assets | $337,118,667 | 2,195 |
| Average equity | $55,879,667 | 1,527 |
| Average total loans | $246,547,333 | 1,958 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5054% | 1,796 |
| Cost of funding earning assets | 0.4159% | 796 |
| Net interest margin | 3.0895% | 2,207 |
| Noninterest income to average assets | 0.2869% | 3,406 |
| Noninterest expense to average assets | 1.8017% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1323% | 1,432 |
| Return on assets (ROA) | 1.1422% | 1,398 |
| Pretax return on assets | 1.4136% | 1,217 |
| Return on Equity (ROE) | 7.2336% | 2,964 |
| Retained earnings to average equity (ytd only) | 7.2336% | 1,820 |
| Net charge-offs to loans | 0.3565% | 186 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5.8065% | 1,590 |
| Efficiency ratio | 56.2500% | 3,857 |
| Assets per employee ($millions) | 7.1229% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 3,591 |
| Loan loss allowance to noncurrent loans | 140.1993% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.6329% | 944 |
| Noncurrent loans to loans | 0.7350% | 1,297 |
| Net loans and leases to total assets | 68.2788% | 1,184 |
| Net loans and leases to deposits | 81.1701% | 1,062 |
| Net loans and leases to core deposits | 83.8521% | 1,249 |
| Total domestic deposits to total assets | 84.1182% | 3,743 |
| Equity capital to assets | 15.6369% | 345 |
| Core capital (leverage) ratio | 16.5190% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $359,657,000 | 2,207 |
| Average earning assets | $339,477,000 | 2,190 |
| Average equity | $56,790,500 | 1,549 |
| Average total loans | $243,459,500 | 1,971 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 2,150 |
| Cost of funding earning assets | 0.6194% | 499 |
| Net interest margin | 3.0678% | 3,000 |
| Noninterest income to average assets | 0.2850% | 3,686 |
| Noninterest expense to average assets | 1.8730% | 3,990 |
| Loan and lease loss provision to assets | -0.0707% | 4,443 |
| Net operating income to assets | 1.1109% | 2,241 |
| Return on assets (ROA) | 1.1181% | 2,282 |
| Pretax return on assets | 1.3929% | 2,078 |
| Return on Equity (ROE) | 6.9123% | 3,537 |
| Retained earnings to average equity (ytd only) | 4.4235% | 3,041 |
| Net charge-offs to loans | 0.0161% | 1,983 |
| Credit loss provision to net charge-offs | -657.8947% | 3,813 |
| Earnings coverage of net charge-offs (x) | 122.2368% | 772 |
| Efficiency ratio | 58.7844% | 3,316 |
| Assets per employee ($millions) | 7.1210% | 1,845 |
| Cash dividends to net income (ytd only)* | 36.0051% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 3,176 |
| Loan loss allowance to noncurrent loans | 119.1157% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 1,035 |
| Noncurrent loans to loans | 0.9564% | 1,052 |
| Net loans and leases to total assets | 65.6629% | 1,511 |
| Net loans and leases to deposits | 78.3826% | 1,368 |
| Net loans and leases to core deposits | 81.3642% | 1,499 |
| Total domestic deposits to total assets | 83.7723% | 3,619 |
| Equity capital to assets | 15.9405% | 388 |
| Core capital (leverage) ratio | 16.0960% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $353,713,000 | 2,177 |
| Average earning assets | $334,501,400 | 2,164 |
| Average equity | $57,216,800 | 1,574 |
| Average total loans | $235,399,000 | 2,017 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 2,343 |
| Cost of funding earning assets | 0.6474% | 499 |
| Net interest margin | 3.0265% | 3,243 |
| Noninterest income to average assets | 0.2755% | 3,774 |
| Noninterest expense to average assets | 1.8177% | 4,133 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0614% | 2,685 |
| Return on assets (ROA) | 1.0675% | 2,729 |
| Pretax return on assets | 1.3267% | 2,553 |
| Return on Equity (ROE) | 6.5744% | 3,777 |
| Retained earnings to average equity (ytd only) | 4.9290% | 3,245 |
| Net charge-offs to loans | 0.0296% | 1,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 66.8462% | 1,084 |
| Efficiency ratio | 57.9482% | 3,267 |
| Assets per employee ($millions) | 7.1883% | 1,743 |
| Cash dividends to net income (ytd only)* | 25.0267% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 2,763 |
| Loan loss allowance to noncurrent loans | 126.8168% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6418% | 1,184 |
| Noncurrent loans to loans | 0.9821% | 1,172 |
| Net loans and leases to total assets | 64.5390% | 1,705 |
| Net loans and leases to deposits | 76.8852% | 1,587 |
| Net loans and leases to core deposits | 80.0434% | 1,729 |
| Total domestic deposits to total assets | 83.9420% | 3,471 |
| Equity capital to assets | 15.8152% | 434 |
| Core capital (leverage) ratio | 16.3890% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,348,750 | 2,213 |
| Average earning assets | $332,170,500 | 2,200 |
| Average equity | $57,048,250 | 1,601 |
| Average total loans | $233,944,750 | 2,066 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6852% | 2,379 |
| Cost of funding earning assets | 0.6724% | 516 |
| Net interest margin | 3.0128% | 3,285 |
| Noninterest income to average assets | 0.2668% | 3,804 |
| Noninterest expense to average assets | 1.7998% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0561% | 2,693 |
| Return on assets (ROA) | 1.0685% | 2,729 |
| Pretax return on assets | 1.3319% | 2,547 |
| Return on Equity (ROE) | 6.5212% | 3,777 |
| Retained earnings to average equity (ytd only) | 4.0396% | 3,500 |
| Net charge-offs to loans | -0.0112% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7572% | 3,316 |
| Assets per employee ($millions) | 6.5930% | 2,098 |
| Cash dividends to net income (ytd only)* | 38.0541% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,528 |
| Loan loss allowance to noncurrent loans | 100.7270% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.8660% | 900 |
| Noncurrent loans to loans | 1.2729% | 930 |
| Net loans and leases to total assets | 67.1617% | 1,558 |
| Net loans and leases to deposits | 80.4535% | 1,391 |
| Net loans and leases to core deposits | 83.7077% | 1,589 |
| Total domestic deposits to total assets | 83.4788% | 3,584 |
| Equity capital to assets | 16.2934% | 388 |
| Core capital (leverage) ratio | 16.3394% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $346,264,000 | 2,220 |
| Average earning assets | $327,474,000 | 2,209 |
| Average equity | $56,738,000 | 1,602 |
| Average total loans | $232,064,333 | 2,085 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6661% | 2,454 |
| Cost of funding earning assets | 0.6795% | 593 |
| Net interest margin | 2.9866% | 3,293 |
| Noninterest income to average assets | 0.2530% | 3,883 |
| Noninterest expense to average assets | 1.7129% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0941% | 2,499 |
| Return on assets (ROA) | 1.1164% | 2,500 |
| Pretax return on assets | 1.3938% | 2,301 |
| Return on Equity (ROE) | 6.7938% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.7938% | 2,642 |
| Net charge-offs to loans | -0.0122% | 3,755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6351% | 3,582 |
| Assets per employee ($millions) | 7.1145% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,381 |
| Loan loss allowance to noncurrent loans | 90.0296% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.9696% | 855 |
| Noncurrent loans to loans | 1.4587% | 861 |
| Net loans and leases to total assets | 65.5936% | 1,847 |
| Net loans and leases to deposits | 78.6640% | 1,650 |
| Net loans and leases to core deposits | 81.8658% | 1,849 |
| Total domestic deposits to total assets | 83.3846% | 3,592 |
| Equity capital to assets | 16.3093% | 360 |
| Core capital (leverage) ratio | 16.7908% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $344,681,000 | 2,215 |
| Average earning assets | $326,120,500 | 2,195 |
| Average equity | $56,640,000 | 1,595 |
| Average total loans | $229,231,000 | 2,099 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1542% | 2,268 |
| Cost of funding earning assets | 0.8344% | 1,075 |
| Net interest margin | 3.3198% | 3,019 |
| Noninterest income to average assets | 0.2423% | 4,041 |
| Noninterest expense to average assets | 2.0669% | 4,007 |
| Loan and lease loss provision to assets | 0.1324% | 2,707 |
| Net operating income to assets | 0.9333% | 2,548 |
| Return on assets (ROA) | 0.9296% | 2,712 |
| Pretax return on assets | 1.1594% | 2,482 |
| Return on Equity (ROE) | 5.3556% | 3,793 |
| Retained earnings to average equity (ytd only) | 2.9012% | 3,417 |
| Net charge-offs to loans | 0.0120% | 2,899 |
| Credit loss provision to net charge-offs | 1,574.0741% | 530 |
| Earnings coverage of net charge-offs (x) | 154.1852% | 558 |
| Efficiency ratio | 61.4537% | 3,230 |
| Assets per employee ($millions) | 6.6814% | 1,795 |
| Cash dividends to net income (ytd only)* | 45.8291% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 2,235 |
| Loan loss allowance to noncurrent loans | 82.8151% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 1.0759% | 858 |
| Noncurrent loans to loans | 1.6167% | 815 |
| Net loans and leases to total assets | 65.6539% | 2,139 |
| Net loans and leases to deposits | 78.9766% | 1,977 |
| Net loans and leases to core deposits | 82.3643% | 2,169 |
| Total domestic deposits to total assets | 83.1308% | 3,371 |
| Equity capital to assets | 16.5587% | 377 |
| Core capital (leverage) ratio | 16.6884% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,112,200 | 2,187 |
| Average earning assets | $301,883,800 | 2,167 |
| Average equity | $55,736,200 | 1,537 |
| Average total loans | $225,739,800 | 2,066 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 2,383 |
| Cost of funding earning assets | 0.8644% | 1,193 |
| Net interest margin | 3.3421% | 3,069 |
| Noninterest income to average assets | 0.2429% | 4,026 |
| Noninterest expense to average assets | 2.0758% | 3,994 |
| Loan and lease loss provision to assets | 0.1369% | 2,643 |
| Net operating income to assets | 0.9465% | 2,535 |
| Return on assets (ROA) | 0.9361% | 2,708 |
| Pretax return on assets | 1.1634% | 2,512 |
| Return on Equity (ROE) | 5.3270% | 3,782 |
| Retained earnings to average equity (ytd only) | 3.7001% | 3,194 |
| Net charge-offs to loans | -0.0024% | 3,906 |
| Credit loss provision to net charge-offs | -8,125.0000% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2466% | 3,186 |
| Assets per employee ($millions) | 6.9542% | 1,537 |
| Cash dividends to net income (ytd only)* | 30.5405% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,098 |
| Loan loss allowance to noncurrent loans | 85.9751% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.0338% | 1,057 |
| Noncurrent loans to loans | 1.5305% | 925 |
| Net loans and leases to total assets | 66.6603% | 2,431 |
| Net loans and leases to deposits | 80.4514% | 2,273 |
| Net loans and leases to core deposits | 84.0767% | 2,465 |
| Total domestic deposits to total assets | 82.8579% | 3,180 |
| Equity capital to assets | 16.8923% | 386 |
| Core capital (leverage) ratio | 17.3945% | 311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,202,250 | 2,190 |
| Average earning assets | $297,689,000 | 2,168 |
| Average equity | $55,564,250 | 1,527 |
| Average total loans | $225,486,500 | 2,059 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 2,459 |
| Cost of funding earning assets | 0.9045% | 1,359 |
| Net interest margin | 3.4009% | 3,104 |
| Noninterest income to average assets | 0.2404% | 4,040 |
| Noninterest expense to average assets | 2.0816% | 4,074 |
| Loan and lease loss provision to assets | 0.2095% | 1,967 |
| Net operating income to assets | 0.9347% | 2,556 |
| Return on assets (ROA) | 0.9190% | 2,749 |
| Pretax return on assets | 1.1407% | 2,577 |
| Return on Equity (ROE) | 5.1583% | 3,786 |
| Retained earnings to average equity (ytd only) | 2.7057% | 3,499 |
| Net charge-offs to loans | 0.0018% | 2,959 |
| Credit loss provision to net charge-offs | 16,300.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 1,062.5000% | 85 |
| Efficiency ratio | 60.3175% | 3,375 |
| Assets per employee ($millions) | 6.6493% | 1,678 |
| Cash dividends to net income (ytd only)* | 47.5456% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 1,944 |
| Loan loss allowance to noncurrent loans | 76.5572% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.2122% | 897 |
| Noncurrent loans to loans | 1.7127% | 841 |
| Net loans and leases to total assets | 69.8500% | 2,052 |
| Net loans and leases to deposits | 84.9542% | 1,892 |
| Net loans and leases to core deposits | 89.0039% | 2,157 |
| Total domestic deposits to total assets | 82.2207% | 3,311 |
| Equity capital to assets | 17.4500% | 339 |
| Core capital (leverage) ratio | 17.6029% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,335,333 | 2,194 |
| Average earning assets | $292,984,000 | 2,168 |
| Average equity | $55,290,000 | 1,518 |
| Average total loans | $225,488,333 | 2,046 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3949% | 2,634 |
| Cost of funding earning assets | 0.9345% | 1,721 |
| Net interest margin | 3.4604% | 3,122 |
| Noninterest income to average assets | 0.2249% | 4,207 |
| Noninterest expense to average assets | 1.8920% | 4,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3033% | 1,240 |
| Return on assets (ROA) | 1.2552% | 1,468 |
| Pretax return on assets | 1.5651% | 1,142 |
| Return on Equity (ROE) | 6.9707% | 2,965 |
| Retained earnings to average equity (ytd only) | 6.9707% | 1,548 |
| Net charge-offs to loans | 0.0107% | 2,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 207.1667% | 336 |
| Efficiency ratio | 53.7918% | 4,411 |
| Assets per employee ($millions) | 6.2783% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 2,858 |
| Loan loss allowance to noncurrent loans | 71.0583% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.2040% | 1,029 |
| Noncurrent loans to loans | 1.6385% | 939 |
| Net loans and leases to total assets | 72.6273% | 1,839 |
| Net loans and leases to deposits | 88.9800% | 1,644 |
| Net loans and leases to core deposits | 93.3942% | 2,025 |
| Total domestic deposits to total assets | 81.6221% | 3,517 |
| Equity capital to assets | 18.0665% | 349 |
| Core capital (leverage) ratio | 18.2374% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,921,000 | 2,167 |
| Average earning assets | $291,064,000 | 2,127 |
| Average equity | $55,088,000 | 1,518 |
| Average total loans | $225,283,500 | 2,018 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 3,092 |
| Cost of funding earning assets | 0.9241% | 2,091 |
| Net interest margin | 3.5349% | 3,329 |
| Noninterest income to average assets | 0.2569% | 4,138 |
| Noninterest expense to average assets | 2.1028% | 4,363 |
| Loan and lease loss provision to assets | -0.0207% | 4,956 |
| Net operating income to assets | 1.2352% | 1,927 |
| Return on assets (ROA) | 1.2371% | 2,003 |
| Pretax return on assets | 1.5496% | 1,656 |
| Return on Equity (ROE) | 6.8516% | 3,606 |
| Retained earnings to average equity (ytd only) | 4.3719% | 2,779 |
| Net charge-offs to loans | 0.0256% | 2,881 |
| Credit loss provision to net charge-offs | -108.9286% | 4,224 |
| Earnings coverage of net charge-offs (x) | 80.4286% | 788 |
| Efficiency ratio | 57.9380% | 3,972 |
| Assets per employee ($millions) | 6.0819% | 1,573 |
| Cash dividends to net income (ytd only)* | 36.1918% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 2,571 |
| Loan loss allowance to noncurrent loans | 70.5725% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.2292% | 942 |
| Noncurrent loans to loans | 1.6650% | 827 |
| Net loans and leases to total assets | 72.9612% | 1,925 |
| Net loans and leases to deposits | 89.1947% | 1,675 |
| Net loans and leases to core deposits | 93.6334% | 2,101 |
| Total domestic deposits to total assets | 81.8000% | 3,562 |
| Equity capital to assets | 17.9166% | 372 |
| Core capital (leverage) ratio | 18.1203% | 332 |
| Tier 1 risk-based capital ratio | 28.2241% | 545 |
| Total risk-based capital ratio | 29.4755% | 536 |
| Memoranda: | ||
| Average total assets | $295,034,800 | 2,186 |
| Average earning assets | $281,475,400 | 2,133 |
| Average equity | $53,272,200 | 1,513 |
| Average total loans | $218,537,600 | 2,039 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4805% | 3,129 |
| Cost of funding earning assets | 0.9077% | 2,198 |
| Net interest margin | 3.5728% | 3,321 |
| Noninterest income to average assets | 0.2600% | 4,187 |
| Noninterest expense to average assets | 2.1158% | 4,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2401% | 2,053 |
| Return on assets (ROA) | 1.2419% | 2,123 |
| Pretax return on assets | 1.5557% | 1,795 |
| Return on Equity (ROE) | 6.8642% | 3,739 |
| Retained earnings to average equity (ytd only) | 5.2155% | 2,790 |
| Net charge-offs to loans | 0.0307% | 2,457 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 68.2149% | 976 |
| Efficiency ratio | 57.6641% | 3,984 |
| Assets per employee ($millions) | 5.8870% | 1,686 |
| Cash dividends to net income (ytd only)* | 24.0190% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,335 |
| Loan loss allowance to noncurrent loans | 89.7181% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.0242% | 1,307 |
| Noncurrent loans to loans | 1.3706% | 1,124 |
| Net loans and leases to total assets | 72.3661% | 2,125 |
| Net loans and leases to deposits | 88.5995% | 1,853 |
| Net loans and leases to core deposits | 92.8512% | 2,285 |
| Total domestic deposits to total assets | 81.6777% | 3,566 |
| Equity capital to assets | 18.0548% | 390 |
| Core capital (leverage) ratio | 18.7143% | 307 |
| Tier 1 risk-based capital ratio | 31.7036% | 432 |
| Total risk-based capital ratio | 32.9577% | 425 |
| Memoranda: | ||
| Average total assets | $292,770,250 | 2,216 |
| Average earning assets | $279,365,500 | 2,165 |
| Average equity | $52,969,500 | 1,523 |
| Average total loans | $217,045,000 | 2,064 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4436% | 3,200 |
| Cost of funding earning assets | 0.8936% | 2,180 |
| Net interest margin | 3.5499% | 3,433 |
| Noninterest income to average assets | 0.2384% | 4,328 |
| Noninterest expense to average assets | 2.1069% | 4,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2111% | 2,108 |
| Return on assets (ROA) | 1.2133% | 2,159 |
| Pretax return on assets | 1.5199% | 1,796 |
| Return on Equity (ROE) | 6.7013% | 3,791 |
| Retained earnings to average equity (ytd only) | 4.2088% | 3,144 |
| Net charge-offs to loans | 0.0417% | 2,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 48.9333% | 1,110 |
| Efficiency ratio | 58.1369% | 3,994 |
| Assets per employee ($millions) | 5.6555% | 1,819 |
| Cash dividends to net income (ytd only)* | 37.1948% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 2,280 |
| Loan loss allowance to noncurrent loans | 72.2474% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.4097% | 839 |
| Noncurrent loans to loans | 1.7246% | 883 |
| Net loans and leases to total assets | 74.4665% | 1,811 |
| Net loans and leases to deposits | 91.5690% | 1,540 |
| Net loans and leases to core deposits | 96.2730% | 2,037 |
| Total domestic deposits to total assets | 81.3229% | 3,717 |
| Equity capital to assets | 18.4483% | 338 |
| Core capital (leverage) ratio | 18.4836% | 312 |
| Tier 1 risk-based capital ratio | 31.4879% | 435 |
| Total risk-based capital ratio | 32.7425% | 425 |
| Memoranda: | ||
| Average total assets | $290,281,670 | 2,233 |
| Average earning assets | $276,849,000 | 2,181 |
| Average equity | $52,557,000 | 1,524 |
| Average total loans | $216,068,670 | 2,070 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 3,402 |
| Cost of funding earning assets | 0.8658% | 2,179 |
| Net interest margin | 3.4833% | 3,643 |
| Noninterest income to average assets | 0.2335% | 4,341 |
| Noninterest expense to average assets | 2.0576% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1950% | 2,075 |
| Return on assets (ROA) | 1.2005% | 2,104 |
| Pretax return on assets | 1.5041% | 1,754 |
| Return on Equity (ROE) | 6.6935% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.6935% | 2,158 |
| Net charge-offs to loans | 0.0762% | 1,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 26.5854% | 1,401 |
| Efficiency ratio | 57.8825% | 4,095 |
| Assets per employee ($millions) | 5.7286% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,278 |
| Loan loss allowance to noncurrent loans | 60.5398% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.6422% | 680 |
| Noncurrent loans to loans | 2.0788% | 708 |
| Net loans and leases to total assets | 72.8831% | 2,007 |
| Net loans and leases to deposits | 89.3638% | 1,704 |
| Net loans and leases to core deposits | 93.6320% | 2,159 |
| Total domestic deposits to total assets | 81.5578% | 3,841 |
| Equity capital to assets | 18.0500% | 349 |
| Core capital (leverage) ratio | 18.3886% | 312 |
| Tier 1 risk-based capital ratio | 31.5910% | 424 |
| Total risk-based capital ratio | 32.8457% | 419 |
| Memoranda: | ||
| Average total assets | $291,206,000 | 2,241 |
| Average earning assets | $277,666,000 | 2,195 |
| Average equity | $52,230,000 | 1,520 |
| Average total loans | $215,355,000 | 2,091 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 2,922 |
| Cost of funding earning assets | 0.7283% | 1,916 |
| Net interest margin | 3.6236% | 3,301 |
| Noninterest income to average assets | 0.2574% | 4,388 |
| Noninterest expense to average assets | 2.1942% | 4,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2148% | 2,107 |
| Return on assets (ROA) | 1.2148% | 2,104 |
| Pretax return on assets | 1.5165% | 1,729 |
| Return on Equity (ROE) | 6.8464% | 3,881 |
| Retained earnings to average equity (ytd only) | 4.3356% | 3,158 |
| Net charge-offs to loans | 0.0269% | 2,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 76.0877% | 890 |
| Efficiency ratio | 59.1312% | 3,992 |
| Assets per employee ($millions) | 5.3750% | 2,084 |
| Cash dividends to net income (ytd only)* | 36.6724% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 2,139 |
| Loan loss allowance to noncurrent loans | 58.3563% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.6265% | 685 |
| Noncurrent loans to loans | 2.1952% | 591 |
| Net loans and leases to total assets | 73.1453% | 2,068 |
| Net loans and leases to deposits | 89.3160% | 1,892 |
| Net loans and leases to core deposits | 92.6283% | 2,353 |
| Total domestic deposits to total assets | 81.8950% | 3,670 |
| Equity capital to assets | 17.8208% | 358 |
| Core capital (leverage) ratio | 17.7914% | 351 |
| Tier 1 risk-based capital ratio | 29.5122% | 486 |
| Total risk-based capital ratio | 30.7955% | 477 |
| Memoranda: | ||
| Average total assets | $285,980,200 | 2,227 |
| Average earning assets | $272,545,400 | 2,180 |
| Average equity | $50,742,200 | 1,502 |
| Average total loans | $212,138,000 | 2,081 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 2,877 |
| Cost of funding earning assets | 0.6841% | 1,951 |
| Net interest margin | 3.6380% | 3,237 |
| Noninterest income to average assets | 0.2579% | 4,432 |
| Noninterest expense to average assets | 2.1091% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2953% | 1,879 |
| Return on assets (ROA) | 1.2953% | 1,879 |
| Pretax return on assets | 1.6178% | 1,524 |
| Return on Equity (ROE) | 7.3086% | 3,816 |
| Retained earnings to average equity (ytd only) | 5.6425% | 2,859 |
| Net charge-offs to loans | 0.0315% | 2,457 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 69.1348% | 967 |
| Efficiency ratio | 56.5922% | 4,302 |
| Assets per employee ($millions) | 5.6801% | 1,750 |
| Cash dividends to net income (ytd only)* | 22.7962% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 2,126 |
| Loan loss allowance to noncurrent loans | 72.7416% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.2855% | 1,067 |
| Noncurrent loans to loans | 1.7767% | 868 |
| Net loans and leases to total assets | 71.4173% | 2,423 |
| Net loans and leases to deposits | 86.7215% | 2,294 |
| Net loans and leases to core deposits | 89.7897% | 2,678 |
| Total domestic deposits to total assets | 82.3525% | 3,507 |
| Equity capital to assets | 17.3994% | 392 |
| Core capital (leverage) ratio | 18.2113% | 311 |
| Tier 1 risk-based capital ratio | 29.4140% | 506 |
| Total risk-based capital ratio | 30.6715% | 494 |
| Memoranda: | ||
| Average total assets | $284,912,500 | 2,249 |
| Average earning assets | $271,677,750 | 2,195 |
| Average equity | $50,496,500 | 1,508 |
| Average total loans | $211,407,500 | 2,092 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3482% | 2,590 |
| Cost of funding earning assets | 0.6622% | 1,859 |
| Net interest margin | 3.6860% | 2,987 |
| Noninterest income to average assets | 0.2565% | 4,477 |
| Noninterest expense to average assets | 2.0780% | 4,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3552% | 1,586 |
| Return on assets (ROA) | 1.3552% | 1,591 |
| Pretax return on assets | 1.6914% | 1,235 |
| Return on Equity (ROE) | 7.5979% | 3,679 |
| Retained earnings to average equity (ytd only) | 5.0839% | 3,028 |
| Net charge-offs to loans | 0.0237% | 2,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 95.2000% | 719 |
| Efficiency ratio | 55.1282% | 4,569 |
| Assets per employee ($millions) | 5.4012% | 1,997 |
| Cash dividends to net income (ytd only)* | 33.0886% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,172 |
| Loan loss allowance to noncurrent loans | 66.1130% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.5157% | 874 |
| Noncurrent loans to loans | 1.9654% | 769 |
| Net loans and leases to total assets | 75.3495% | 1,745 |
| Net loans and leases to deposits | 92.1460% | 1,566 |
| Net loans and leases to core deposits | 95.6775% | 2,091 |
| Total domestic deposits to total assets | 81.7718% | 3,788 |
| Equity capital to assets | 18.0170% | 323 |
| Core capital (leverage) ratio | 18.1408% | 308 |
| Tier 1 risk-based capital ratio | 32.4144% | 395 |
| Total risk-based capital ratio | 33.6743% | 391 |
| Memoranda: | ||
| Average total assets | $281,427,670 | 2,276 |
| Average earning assets | $268,205,000 | 2,222 |
| Average equity | $50,198,000 | 1,517 |
| Average total loans | $210,641,670 | 2,100 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 2,216 |
| Cost of funding earning assets | 0.6403% | 1,777 |
| Net interest margin | 3.7541% | 2,597 |
| Noninterest income to average assets | 0.2570% | 4,457 |
| Noninterest expense to average assets | 2.0148% | 4,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4597% | 1,173 |
| Return on assets (ROA) | 1.4597% | 1,177 |
| Pretax return on assets | 1.8217% | 871 |
| Return on Equity (ROE) | 8.2247% | 3,282 |
| Retained earnings to average equity (ytd only) | 8.2247% | 1,757 |
| Net charge-offs to loans | 0.0364% | 1,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 67.5263% | 787 |
| Efficiency ratio | 52.5167% | 4,925 |
| Assets per employee ($millions) | 5.6262% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 2,092 |
| Loan loss allowance to noncurrent loans | 64.9535% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.5438% | 886 |
| Noncurrent loans to loans | 2.0507% | 768 |
| Net loans and leases to total assets | 73.5464% | 1,935 |
| Net loans and leases to deposits | 89.9391% | 1,702 |
| Net loans and leases to core deposits | 93.1665% | 2,192 |
| Total domestic deposits to total assets | 81.7736% | 4,024 |
| Equity capital to assets | 17.9126% | 321 |
| Core capital (leverage) ratio | 18.2139% | 298 |
| Tier 1 risk-based capital ratio | 29.3306% | 499 |
| Total risk-based capital ratio | 30.5871% | 493 |
| Memoranda: | ||
| Average total assets | $281,710,500 | 2,291 |
| Average earning assets | $268,616,500 | 2,239 |
| Average equity | $49,995,500 | 1,532 |
| Average total loans | $208,755,500 | 2,128 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0810% | 3,126 |
| Cost of funding earning assets | 0.6042% | 1,570 |
| Net interest margin | 3.4768% | 3,603 |
| Noninterest income to average assets | 0.2791% | 4,464 |
| Noninterest expense to average assets | 2.0277% | 4,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9222% | 2,584 |
| Return on assets (ROA) | 0.9222% | 2,613 |
| Pretax return on assets | 1.5490% | 1,452 |
| Return on Equity (ROE) | 5.1580% | 4,100 |
| Retained earnings to average equity (ytd only) | 2.6653% | 3,726 |
| Net charge-offs to loans | 0.0342% | 3,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 62.7647% | 927 |
| Efficiency ratio | 56.6920% | 4,695 |
| Assets per employee ($millions) | 5.6422% | 1,799 |
| Cash dividends to net income (ytd only)* | 48.3274% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 1,956 |
| Loan loss allowance to noncurrent loans | 48.7856% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 2.0584% | 533 |
| Noncurrent loans to loans | 2.7735% | 435 |
| Net loans and leases to total assets | 72.6709% | 2,143 |
| Net loans and leases to deposits | 88.4706% | 1,964 |
| Net loans and leases to core deposits | 91.5105% | 2,415 |
| Total domestic deposits to total assets | 82.1414% | 3,836 |
| Equity capital to assets | 17.5821% | 349 |
| Core capital (leverage) ratio | 17.7344% | 317 |
| Tier 1 risk-based capital ratio | 28.6593% | 512 |
| Total risk-based capital ratio | 29.9447% | 509 |
| Memoranda: | ||
| Average total assets | $275,528,600 | 2,313 |
| Average earning assets | $261,335,200 | 2,272 |
| Average equity | $49,263,400 | 1,534 |
| Average total loans | $199,019,800 | 2,165 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0643% | 3,115 |
| Cost of funding earning assets | 0.5957% | 1,555 |
| Net interest margin | 3.4685% | 3,606 |
| Noninterest income to average assets | 0.2536% | 4,692 |
| Noninterest expense to average assets | 2.0534% | 4,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0208% | 2,469 |
| Return on assets (ROA) | 1.0208% | 2,507 |
| Pretax return on assets | 1.4853% | 1,821 |
| Return on Equity (ROE) | 5.6852% | 4,253 |
| Retained earnings to average equity (ytd only) | 4.0368% | 3,521 |
| Net charge-offs to loans | 0.0359% | 2,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 57.5701% | 1,017 |
| Efficiency ratio | 58.0272% | 4,498 |
| Assets per employee ($millions) | 5.6259% | 1,807 |
| Cash dividends to net income (ytd only)* | 28.9939% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 1,893 |
| Loan loss allowance to noncurrent loans | 54.4404% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.9713% | 659 |
| Noncurrent loans to loans | 2.5695% | 575 |
| Net loans and leases to total assets | 70.8151% | 2,441 |
| Net loans and leases to deposits | 86.4110% | 2,251 |
| Net loans and leases to core deposits | 89.6214% | 2,643 |
| Total domestic deposits to total assets | 81.9516% | 3,792 |
| Equity capital to assets | 17.7751% | 350 |
| Core capital (leverage) ratio | 18.3887% | 281 |
| Tier 1 risk-based capital ratio | 29.4175% | 498 |
| Total risk-based capital ratio | 30.7078% | 492 |
| Memoranda: | ||
| Average total assets | $273,883,250 | 2,338 |
| Average earning assets | $259,392,250 | 2,300 |
| Average equity | $49,179,000 | 1,549 |
| Average total loans | $196,818,750 | 2,191 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0628% | 2,966 |
| Cost of funding earning assets | 0.5951% | 1,481 |
| Net interest margin | 3.4678% | 3,518 |
| Noninterest income to average assets | 0.2653% | 4,642 |
| Noninterest expense to average assets | 2.0515% | 4,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0287% | 2,295 |
| Return on assets (ROA) | 1.0287% | 2,335 |
| Pretax return on assets | 1.4944% | 1,663 |
| Return on Equity (ROE) | 5.7090% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.2226% | 3,793 |
| Net charge-offs to loans | 0.0308% | 2,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 67.6000% | 863 |
| Efficiency ratio | 57.8554% | 4,614 |
| Assets per employee ($millions) | 5.4172% | 1,948 |
| Cash dividends to net income (ytd only)* | 43.5530% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 1,793 |
| Loan loss allowance to noncurrent loans | 58.1904% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.9383% | 670 |
| Noncurrent loans to loans | 2.4661% | 618 |
| Net loans and leases to total assets | 72.2455% | 2,161 |
| Net loans and leases to deposits | 88.5697% | 1,914 |
| Net loans and leases to core deposits | 91.8951% | 2,345 |
| Total domestic deposits to total assets | 81.5691% | 4,026 |
| Equity capital to assets | 18.2027% | 314 |
| Core capital (leverage) ratio | 18.2047% | 292 |
| Tier 1 risk-based capital ratio | 29.4457% | 494 |
| Total risk-based capital ratio | 30.7388% | 483 |
| Memoranda: | ||
| Average total assets | $271,413,330 | 2,364 |
| Average earning assets | $256,765,670 | 2,328 |
| Average equity | $48,905,330 | 1,560 |
| Average total loans | $195,083,670 | 2,213 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9856% | 3,093 |
| Cost of funding earning assets | 0.5932% | 1,424 |
| Net interest margin | 3.3924% | 3,676 |
| Noninterest income to average assets | 0.2429% | 4,791 |
| Noninterest expense to average assets | 2.0185% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9894% | 2,352 |
| Return on assets (ROA) | 0.9894% | 2,401 |
| Pretax return on assets | 1.4325% | 1,758 |
| Return on Equity (ROE) | 5.5188% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.5188% | 2,588 |
| Net charge-offs to loans | 0.0827% | 1,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 24.3250% | 1,365 |
| Efficiency ratio | 58.4898% | 4,662 |
| Assets per employee ($millions) | 5.1427% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 1,820 |
| Loan loss allowance to noncurrent loans | 58.7055% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.9042% | 719 |
| Noncurrent loans to loans | 2.4899% | 625 |
| Net loans and leases to total assets | 70.2163% | 2,339 |
| Net loans and leases to deposits | 85.9326% | 2,041 |
| Net loans and leases to core deposits | 89.1269% | 2,442 |
| Total domestic deposits to total assets | 81.7110% | 4,243 |
| Equity capital to assets | 18.0032% | 301 |
| Core capital (leverage) ratio | 18.0311% | 283 |
| Tier 1 risk-based capital ratio | 29.9720% | 480 |
| Total risk-based capital ratio | 31.2652% | 481 |
| Memoranda: | ||
| Average total assets | $271,689,500 | 2,383 |
| Average earning assets | $256,928,000 | 2,337 |
| Average equity | $48,706,000 | 1,564 |
| Average total loans | $193,358,500 | 2,239 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0016% | 3,196 |
| Cost of funding earning assets | 0.6027% | 1,312 |
| Net interest margin | 3.3990% | 3,829 |
| Noninterest income to average assets | 0.2246% | 5,068 |
| Noninterest expense to average assets | 2.1512% | 4,892 |
| Loan and lease loss provision to assets | 0.0383% | 3,609 |
| Net operating income to assets | 0.8696% | 2,980 |
| Return on assets (ROA) | 0.8696% | 3,093 |
| Pretax return on assets | 1.2522% | 2,463 |
| Return on Equity (ROE) | 4.7177% | 4,561 |
| Retained earnings to average equity (ytd only) | 2.2665% | 4,238 |
| Net charge-offs to loans | 0.1755% | 1,564 |
| Credit loss provision to net charge-offs | 30.9598% | 3,583 |
| Earnings coverage of net charge-offs (x) | 10.4427% | 2,640 |
| Efficiency ratio | 62.5056% | 4,174 |
| Assets per employee ($millions) | 5.2080% | 2,163 |
| Cash dividends to net income (ytd only)* | 51.9578% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 1,684 |
| Loan loss allowance to noncurrent loans | 61.1123% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.8703% | 770 |
| Noncurrent loans to loans | 2.4473% | 650 |
| Net loans and leases to total assets | 70.0163% | 2,467 |
| Net loans and leases to deposits | 86.7427% | 2,083 |
| Net loans and leases to core deposits | 89.9136% | 2,506 |
| Total domestic deposits to total assets | 80.7172% | 4,409 |
| Equity capital to assets | 17.8504% | 312 |
| Core capital (leverage) ratio | 17.9348% | 293 |
| Tier 1 risk-based capital ratio | 29.5893% | 493 |
| Total risk-based capital ratio | 30.8800% | 488 |
| Memoranda: | ||
| Average total assets | $261,386,600 | 2,428 |
| Average earning assets | $247,398,400 | 2,382 |
| Average equity | $48,180,400 | 1,573 |
| Average total loans | $184,064,200 | 2,274 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 3,245 |
| Cost of funding earning assets | 0.5995% | 1,336 |
| Net interest margin | 3.3948% | 3,862 |
| Noninterest income to average assets | 0.2332% | 5,076 |
| Noninterest expense to average assets | 2.2082% | 4,750 |
| Loan and lease loss provision to assets | 0.0515% | 3,218 |
| Net operating income to assets | 0.8370% | 3,207 |
| Return on assets (ROA) | 0.8370% | 3,329 |
| Pretax return on assets | 1.1885% | 2,877 |
| Return on Equity (ROE) | 4.5034% | 4,715 |
| Retained earnings to average equity (ytd only) | 2.8832% | 4,170 |
| Net charge-offs to loans | 0.1436% | 1,549 |
| Credit loss provision to net charge-offs | 51.0204% | 3,020 |
| Earnings coverage of net charge-offs (x) | 12.2907% | 2,404 |
| Efficiency ratio | 64.0394% | 3,926 |
| Assets per employee ($millions) | 5.1351% | 2,211 |
| Cash dividends to net income (ytd only)* | 35.9778% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 1,486 |
| Loan loss allowance to noncurrent loans | 62.7951% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.9294% | 823 |
| Noncurrent loans to loans | 2.5405% | 683 |
| Net loans and leases to total assets | 69.4390% | 2,579 |
| Net loans and leases to deposits | 85.1696% | 2,346 |
| Net loans and leases to core deposits | 88.3020% | 2,730 |
| Total domestic deposits to total assets | 81.5303% | 4,099 |
| Equity capital to assets | 18.2225% | 327 |
| Core capital (leverage) ratio | 18.4799% | 265 |
| Tier 1 risk-based capital ratio | 31.0651% | 442 |
| Total risk-based capital ratio | 32.3559% | 439 |
| Memoranda: | ||
| Average total assets | $259,029,000 | 2,455 |
| Average earning assets | $245,312,750 | 2,406 |
| Average equity | $48,140,000 | 1,578 |
| Average total loans | $181,956,500 | 2,291 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 3,321 |
| Cost of funding earning assets | 0.5916% | 1,384 |
| Net interest margin | 3.3850% | 3,945 |
| Noninterest income to average assets | 0.2200% | 5,172 |
| Noninterest expense to average assets | 2.1836% | 4,880 |
| Loan and lease loss provision to assets | 0.0780% | 2,583 |
| Net operating income to assets | 0.8246% | 3,195 |
| Return on assets (ROA) | 0.8246% | 3,333 |
| Pretax return on assets | 1.1632% | 2,931 |
| Return on Equity (ROE) | 4.4072% | 4,753 |
| Retained earnings to average equity (ytd only) | 1.9680% | 4,576 |
| Net charge-offs to loans | 0.1846% | 1,235 |
| Credit loss provision to net charge-offs | 60.2410% | 2,573 |
| Earnings coverage of net charge-offs (x) | 9.5843% | 2,410 |
| Efficiency ratio | 63.7585% | 4,063 |
| Assets per employee ($millions) | 4.5463% | 2,943 |
| Cash dividends to net income (ytd only)* | 55.3453% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6555% | 1,384 |
| Loan loss allowance to noncurrent loans | 62.8441% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.9924% | 827 |
| Noncurrent loans to loans | 2.6343% | 636 |
| Net loans and leases to total assets | 69.5970% | 2,534 |
| Net loans and leases to deposits | 85.6955% | 2,286 |
| Net loans and leases to core deposits | 88.8364% | 2,655 |
| Total domestic deposits to total assets | 81.2143% | 4,214 |
| Equity capital to assets | 18.5819% | 288 |
| Core capital (leverage) ratio | 18.5222% | 256 |
| Tier 1 risk-based capital ratio | 31.2247% | 447 |
| Total risk-based capital ratio | 32.5152% | 441 |
| Memoranda: | ||
| Average total assets | $256,363,000 | 2,479 |
| Average earning assets | $242,719,330 | 2,438 |
| Average equity | $47,967,000 | 1,581 |
| Average total loans | $179,799,670 | 2,319 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9956% | 3,241 |
| Cost of funding earning assets | 0.5829% | 1,461 |
| Net interest margin | 3.4127% | 3,827 |
| Noninterest income to average assets | 0.2463% | 4,976 |
| Noninterest expense to average assets | 2.1822% | 4,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9146% | 2,675 |
| Return on assets (ROA) | 0.9146% | 2,792 |
| Pretax return on assets | 1.2974% | 2,310 |
| Return on Equity (ROE) | 4.8711% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.8711% | 3,020 |
| Net charge-offs to loans | 0.0292% | 2,363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 63.6154% | 746 |
| Efficiency ratio | 62.7142% | 4,343 |
| Assets per employee ($millions) | 4.9920% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 1,313 |
| Loan loss allowance to noncurrent loans | 79.7367% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.5833% | 1,266 |
| Noncurrent loans to loans | 2.1560% | 962 |
| Net loans and leases to total assets | 68.0287% | 2,644 |
| Net loans and leases to deposits | 83.7847% | 2,330 |
| Net loans and leases to core deposits | 86.7561% | 2,678 |
| Total domestic deposits to total assets | 81.1947% | 4,429 |
| Equity capital to assets | 18.5715% | 289 |
| Core capital (leverage) ratio | 18.7580% | 246 |
| Tier 1 risk-based capital ratio | 32.9972% | 394 |
| Total risk-based capital ratio | 34.2924% | 386 |
| Memoranda: | ||
| Average total assets | $254,975,000 | 2,500 |
| Average earning assets | $241,565,000 | 2,452 |
| Average equity | $47,874,000 | 1,580 |
| Average total loans | $178,005,000 | 2,336 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0151% | 3,256 |
| Cost of funding earning assets | 0.6295% | 1,179 |
| Net interest margin | 3.3855% | 3,961 |
| Noninterest income to average assets | 0.3590% | 4,333 |
| Noninterest expense to average assets | 1.8462% | 5,679 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3401% | 1,176 |
| Return on assets (ROA) | 1.3401% | 1,214 |
| Pretax return on assets | 1.7497% | 892 |
| Return on Equity (ROE) | 7.3803% | 3,313 |
| Retained earnings to average equity (ytd only) | 4.9488% | 2,456 |
| Net charge-offs to loans | 0.0237% | 3,785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 109.6098% | 537 |
| Efficiency ratio | 51.3426% | 5,677 |
| Assets per employee ($millions) | 4.8147% | 2,582 |
| Cash dividends to net income (ytd only)* | 32.9460% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 1,219 |
| Loan loss allowance to noncurrent loans | 120.4660% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.0664% | 2,056 |
| Noncurrent loans to loans | 1.4603% | 1,599 |
| Net loans and leases to total assets | 69.1897% | 2,503 |
| Net loans and leases to deposits | 85.9601% | 2,138 |
| Net loans and leases to core deposits | 88.7465% | 2,528 |
| Total domestic deposits to total assets | 80.4904% | 4,614 |
| Equity capital to assets | 18.9880% | 247 |
| Core capital (leverage) ratio | 18.7339% | 250 |
| Tier 1 risk-based capital ratio | 32.8053% | 402 |
| Total risk-based capital ratio | 34.1005% | 391 |
| Memoranda: | ||
| Average total assets | $256,845,200 | 2,450 |
| Average earning assets | $245,573,400 | 2,376 |
| Average equity | $46,637,600 | 1,585 |
| Average total loans | $172,686,600 | 2,322 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9520% | 3,534 |
| Cost of funding earning assets | 0.6435% | 1,131 |
| Net interest margin | 3.3085% | 4,307 |
| Noninterest income to average assets | 0.4194% | 3,937 |
| Noninterest expense to average assets | 1.8669% | 5,686 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3268% | 1,271 |
| Return on assets (ROA) | 1.3268% | 1,328 |
| Pretax return on assets | 1.7219% | 1,050 |
| Return on Equity (ROE) | 7.3887% | 3,409 |
| Retained earnings to average equity (ytd only) | 5.7771% | 2,381 |
| Net charge-offs to loans | 0.0241% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 107.6835% | 586 |
| Efficiency ratio | 52.0195% | 5,654 |
| Assets per employee ($millions) | 5.8017% | 1,505 |
| Cash dividends to net income (ytd only)* | 21.8118% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 1,322 |
| Loan loss allowance to noncurrent loans | 105.1707% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.2261% | 1,921 |
| Noncurrent loans to loans | 1.6819% | 1,450 |
| Net loans and leases to total assets | 67.6998% | 2,731 |
| Net loans and leases to deposits | 83.4061% | 2,470 |
| Net loans and leases to core deposits | 86.1168% | 2,841 |
| Total domestic deposits to total assets | 81.1689% | 4,431 |
| Equity capital to assets | 18.5699% | 300 |
| Core capital (leverage) ratio | 18.3851% | 277 |
| Tier 1 risk-based capital ratio | 33.4397% | 396 |
| Total risk-based capital ratio | 34.7302% | 390 |
| Memoranda: | ||
| Average total assets | $258,465,500 | 2,454 |
| Average earning assets | $247,600,250 | 2,382 |
| Average equity | $46,412,250 | 1,596 |
| Average total loans | $171,776,250 | 2,346 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9209% | 3,611 |
| Cost of funding earning assets | 0.6635% | 1,033 |
| Net interest margin | 3.2574% | 4,467 |
| Noninterest income to average assets | 0.5279% | 3,184 |
| Noninterest expense to average assets | 1.8248% | 5,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4349% | 1,026 |
| Return on assets (ROA) | 1.4349% | 1,062 |
| Pretax return on assets | 1.8202% | 861 |
| Return on Equity (ROE) | 8.0813% | 3,005 |
| Retained earnings to average equity (ytd only) | 5.6465% | 2,434 |
| Net charge-offs to loans | 0.0246% | 3,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 112.4762% | 557 |
| Efficiency ratio | 50.0634% | 5,851 |
| Assets per employee ($millions) | 6.0225% | 1,330 |
| Cash dividends to net income (ytd only)* | 30.1289% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8137% | 1,338 |
| Loan loss allowance to noncurrent loans | 108.5535% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.2252% | 2,064 |
| Noncurrent loans to loans | 1.6708% | 1,559 |
| Net loans and leases to total assets | 65.2625% | 3,088 |
| Net loans and leases to deposits | 79.7954% | 2,820 |
| Net loans and leases to core deposits | 82.3237% | 3,139 |
| Total domestic deposits to total assets | 81.7873% | 4,365 |
| Equity capital to assets | 17.9648% | 341 |
| Core capital (leverage) ratio | 17.9784% | 293 |
| Tier 1 risk-based capital ratio | 32.5338% | 440 |
| Total risk-based capital ratio | 33.8306% | 432 |
| Memoranda: | ||
| Average total assets | $259,529,330 | 2,459 |
| Average earning assets | $248,361,330 | 2,381 |
| Average equity | $46,081,670 | 1,616 |
| Average total loans | $170,391,000 | 2,373 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9119% | 3,549 |
| Cost of funding earning assets | 0.6789% | 955 |
| Net interest margin | 3.2330% | 4,476 |
| Noninterest income to average assets | 0.8191% | 1,633 |
| Noninterest expense to average assets | 1.8229% | 5,869 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6920% | 602 |
| Return on assets (ROA) | 1.6920% | 628 |
| Pretax return on assets | 2.0831% | 499 |
| Return on Equity (ROE) | 9.5855% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.5855% | 1,022 |
| Net charge-offs to loans | -0.0684% | 5,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6693% | 6,080 |
| Assets per employee ($millions) | 6.0388% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8685% | 1,345 |
| Loan loss allowance to noncurrent loans | 102.9202% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.2578% | 2,124 |
| Noncurrent loans to loans | 1.8155% | 1,495 |
| Net loans and leases to total assets | 64.1559% | 3,071 |
| Net loans and leases to deposits | 78.4355% | 2,745 |
| Net loans and leases to core deposits | 81.0301% | 3,056 |
| Total domestic deposits to total assets | 81.7945% | 4,570 |
| Equity capital to assets | 17.9074% | 337 |
| Core capital (leverage) ratio | 17.8407% | 296 |
| Tier 1 risk-based capital ratio | 31.8248% | 465 |
| Total risk-based capital ratio | 33.1232% | 458 |
| Memoranda: | ||
| Average total assets | $259,810,000 | 2,470 |
| Average earning assets | $248,064,000 | 2,395 |
| Average equity | $45,861,000 | 1,627 |
| Average total loans | $169,521,000 | 2,373 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 3,562 |
| Cost of funding earning assets | 0.7759% | 739 |
| Net interest margin | 3.2637% | 4,708 |
| Noninterest income to average assets | 0.2271% | 5,500 |
| Noninterest expense to average assets | 1.8708% | 5,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0839% | 2,044 |
| Return on assets (ROA) | 1.0839% | 2,093 |
| Pretax return on assets | 1.4539% | 1,712 |
| Return on Equity (ROE) | 6.2895% | 4,004 |
| Retained earnings to average equity (ytd only) | 3.7913% | 3,522 |
| Net charge-offs to loans | 0.2571% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.7911% | 2,830 |
| Efficiency ratio | 56.2704% | 5,641 |
| Assets per employee ($millions) | 5.9080% | 1,444 |
| Cash dividends to net income (ytd only)* | 39.7206% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8567% | 1,405 |
| Loan loss allowance to noncurrent loans | 137.6095% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.9875% | 2,782 |
| Noncurrent loans to loans | 1.3493% | 2,182 |
| Net loans and leases to total assets | 63.9097% | 3,236 |
| Net loans and leases to deposits | 77.6026% | 3,017 |
| Net loans and leases to core deposits | 80.1407% | 3,282 |
| Total domestic deposits to total assets | 82.3551% | 4,290 |
| Equity capital to assets | 17.3964% | 375 |
| Core capital (leverage) ratio | 17.4239% | 332 |
| Tier 1 risk-based capital ratio | 31.4966% | 454 |
| Total risk-based capital ratio | 32.7988% | 441 |
| Memoranda: | ||
| Average total assets | $257,584,200 | 2,459 |
| Average earning assets | $244,479,200 | 2,392 |
| Average equity | $44,391,600 | 1,627 |
| Average total loans | $165,722,200 | 2,367 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 3,643 |
| Cost of funding earning assets | 0.7882% | 732 |
| Net interest margin | 3.2408% | 4,822 |
| Noninterest income to average assets | 0.2049% | 5,703 |
| Noninterest expense to average assets | 1.9061% | 5,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0345% | 2,306 |
| Return on assets (ROA) | 1.0345% | 2,365 |
| Pretax return on assets | 1.3728% | 2,107 |
| Return on Equity (ROE) | 6.0171% | 4,225 |
| Retained earnings to average equity (ytd only) | 4.3514% | 3,560 |
| Net charge-offs to loans | 0.0154% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 139.2779% | 437 |
| Efficiency ratio | 58.1329% | 5,422 |
| Assets per employee ($millions) | 5.7278% | 1,545 |
| Cash dividends to net income (ytd only)* | 27.6830% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1077% | 1,078 |
| Loan loss allowance to noncurrent loans | 82.3475% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.7905% | 1,666 |
| Noncurrent loans to loans | 2.5595% | 1,135 |
| Net loans and leases to total assets | 63.9689% | 3,173 |
| Net loans and leases to deposits | 77.7682% | 2,976 |
| Net loans and leases to core deposits | 80.2360% | 3,291 |
| Total domestic deposits to total assets | 82.2558% | 4,392 |
| Equity capital to assets | 17.4567% | 380 |
| Core capital (leverage) ratio | 17.4871% | 325 |
| Tier 1 risk-based capital ratio | 31.1541% | 476 |
| Total risk-based capital ratio | 32.4566% | 465 |
| Memoranda: | ||
| Average total assets | $256,992,500 | 2,476 |
| Average earning assets | $243,758,500 | 2,411 |
| Average equity | $44,184,000 | 1,638 |
| Average total loans | $164,833,500 | 2,397 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0071% | 3,707 |
| Cost of funding earning assets | 0.8006% | 701 |
| Net interest margin | 3.2065% | 4,923 |
| Noninterest income to average assets | 0.2290% | 5,567 |
| Noninterest expense to average assets | 1.8727% | 6,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0470% | 2,132 |
| Return on assets (ROA) | 1.0470% | 2,199 |
| Pretax return on assets | 1.3921% | 1,919 |
| Return on Equity (ROE) | 6.1211% | 4,093 |
| Retained earnings to average equity (ytd only) | 3.6071% | 3,896 |
| Net charge-offs to loans | 0.0232% | 3,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 94.0526% | 579 |
| Efficiency ratio | 57.3610% | 5,625 |
| Assets per employee ($millions) | 5.6871% | 1,533 |
| Cash dividends to net income (ytd only)* | 41.0714% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1490% | 1,088 |
| Loan loss allowance to noncurrent loans | 116.4316% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.4434% | 2,258 |
| Noncurrent loans to loans | 1.8457% | 1,860 |
| Net loans and leases to total assets | 63.1618% | 3,215 |
| Net loans and leases to deposits | 76.6157% | 2,976 |
| Net loans and leases to core deposits | 78.8991% | 3,329 |
| Total domestic deposits to total assets | 82.4398% | 4,490 |
| Equity capital to assets | 17.3152% | 383 |
| Core capital (leverage) ratio | 17.2708% | 346 |
| Tier 1 risk-based capital ratio | 31.0856% | 481 |
| Total risk-based capital ratio | 32.3868% | 474 |
| Memoranda: | ||
| Average total assets | $256,739,330 | 2,487 |
| Average earning assets | $243,069,000 | 2,412 |
| Average equity | $43,913,670 | 1,633 |
| Average total loans | $163,634,330 | 2,408 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8821% | 4,155 |
| Cost of funding earning assets | 0.8129% | 699 |
| Net interest margin | 3.0692% | 5,340 |
| Noninterest income to average assets | 0.1976% | 5,782 |
| Noninterest expense to average assets | 1.8900% | 6,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9302% | 2,507 |
| Return on assets (ROA) | 0.9302% | 2,579 |
| Pretax return on assets | 1.2149% | 2,422 |
| Return on Equity (ROE) | 5.4719% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.4719% | 2,801 |
| Net charge-offs to loans | 0.0270% | 3,032 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 585 |
| Efficiency ratio | 60.8717% | 5,282 |
| Assets per employee ($millions) | 5.6964% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1831% | 1,190 |
| Loan loss allowance to noncurrent loans | 138.9301% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.1450% | 2,967 |
| Noncurrent loans to loans | 1.5713% | 2,460 |
| Net loans and leases to total assets | 62.1929% | 3,208 |
| Net loans and leases to deposits | 75.2763% | 2,909 |
| Net loans and leases to core deposits | 77.5020% | 3,249 |
| Total domestic deposits to total assets | 82.6194% | 4,744 |
| Equity capital to assets | 17.1672% | 379 |
| Core capital (leverage) ratio | 17.2257% | 347 |
| Tier 1 risk-based capital ratio | 32.0650% | 444 |
| Total risk-based capital ratio | 33.3680% | 438 |
| Memoranda: | ||
| Average total assets | $257,149,500 | 2,485 |
| Average earning assets | $243,578,500 | 2,409 |
| Average equity | $43,714,000 | 1,623 |
| Average total loans | $162,855,000 | 2,423 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 3,864 |
| Cost of funding earning assets | 0.9341% | 625 |
| Net interest margin | 3.1311% | 5,221 |
| Noninterest income to average assets | 0.2098% | 5,826 |
| Noninterest expense to average assets | 1.8943% | 6,196 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9702% | 2,468 |
| Return on assets (ROA) | 1.0771% | 2,097 |
| Pretax return on assets | 1.4292% | 1,687 |
| Return on Equity (ROE) | 6.4269% | 3,865 |
| Retained earnings to average equity (ytd only) | 3.8882% | 3,436 |
| Net charge-offs to loans | 0.0473% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 43.5658% | 883 |
| Efficiency ratio | 59.5529% | 5,533 |
| Assets per employee ($millions) | 5.8628% | 1,363 |
| Cash dividends to net income (ytd only)* | 39.5022% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1932% | 1,183 |
| Loan loss allowance to noncurrent loans | 159.2593% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 3,140 |
| Noncurrent loans to loans | 1.3771% | 2,836 |
| Net loans and leases to total assets | 61.6989% | 3,412 |
| Net loans and leases to deposits | 74.3574% | 3,209 |
| Net loans and leases to core deposits | 76.5235% | 3,552 |
| Total domestic deposits to total assets | 82.9761% | 4,551 |
| Equity capital to assets | 16.8328% | 416 |
| Core capital (leverage) ratio | 16.8722% | 387 |
| Tier 1 risk-based capital ratio | 31.9284% | 431 |
| Total risk-based capital ratio | 33.2313% | 425 |
| Memoranda: | ||
| Average total assets | $257,345,800 | 2,459 |
| Average earning assets | $244,195,600 | 2,385 |
| Average equity | $43,131,000 | 1,625 |
| Average total loans | $160,771,200 | 2,416 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0037% | 4,121 |
| Cost of funding earning assets | 0.9548% | 629 |
| Net interest margin | 3.0490% | 5,470 |
| Noninterest income to average assets | 0.2017% | 5,974 |
| Noninterest expense to average assets | 1.9140% | 6,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9000% | 2,836 |
| Return on assets (ROA) | 1.0446% | 2,285 |
| Pretax return on assets | 1.3701% | 2,041 |
| Return on Equity (ROE) | 6.2395% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.5426% | 3,439 |
| Net charge-offs to loans | 0.0291% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 65.0223% | 703 |
| Efficiency ratio | 61.8633% | 5,157 |
| Assets per employee ($millions) | 5.8938% | 1,311 |
| Cash dividends to net income (ytd only)* | 27.1961% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1983% | 1,328 |
| Loan loss allowance to noncurrent loans | 76.6617% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 2.0750% | 1,934 |
| Noncurrent loans to loans | 2.8675% | 1,435 |
| Net loans and leases to total assets | 61.9326% | 3,375 |
| Net loans and leases to deposits | 74.5966% | 3,140 |
| Net loans and leases to core deposits | 76.5518% | 3,559 |
| Total domestic deposits to total assets | 83.0234% | 4,565 |
| Equity capital to assets | 16.6878% | 452 |
| Core capital (leverage) ratio | 16.9316% | 390 |
| Tier 1 risk-based capital ratio | 31.0931% | 471 |
| Total risk-based capital ratio | 32.3924% | 461 |
| Memoranda: | ||
| Average total assets | $257,192,000 | 2,478 |
| Average earning assets | $243,967,250 | 2,403 |
| Average equity | $43,058,250 | 1,636 |
| Average total loans | $160,282,000 | 2,434 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 3,998 |
| Cost of funding earning assets | 0.9830% | 589 |
| Net interest margin | 3.0485% | 5,433 |
| Noninterest income to average assets | 0.1926% | 6,057 |
| Noninterest expense to average assets | 1.8925% | 6,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9015% | 2,788 |
| Return on assets (ROA) | 1.1190% | 1,984 |
| Pretax return on assets | 1.4785% | 1,678 |
| Return on Equity (ROE) | 6.6766% | 3,786 |
| Retained earnings to average equity (ytd only) | 4.1316% | 3,662 |
| Net charge-offs to loans | 0.0365% | 4,168 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 52.7241% | 775 |
| Efficiency ratio | 61.3498% | 5,274 |
| Assets per employee ($millions) | 5.6634% | 1,447 |
| Cash dividends to net income (ytd only)* | 38.1185% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2767% | 1,294 |
| Loan loss allowance to noncurrent loans | 66.6544% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 2.4469% | 1,739 |
| Noncurrent loans to loans | 3.4157% | 1,246 |
| Net loans and leases to total assets | 60.9019% | 3,501 |
| Net loans and leases to deposits | 73.4588% | 3,230 |
| Net loans and leases to core deposits | 75.3225% | 3,634 |
| Total domestic deposits to total assets | 82.9063% | 4,735 |
| Equity capital to assets | 16.8324% | 431 |
| Core capital (leverage) ratio | 16.7878% | 395 |
| Tier 1 risk-based capital ratio | 31.7645% | 446 |
| Total risk-based capital ratio | 33.0640% | 437 |
| Memoranda: | ||
| Average total assets | $256,480,330 | 2,492 |
| Average earning assets | $243,332,330 | 2,416 |
| Average equity | $42,985,670 | 1,639 |
| Average total loans | $158,970,000 | 2,458 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9631% | 4,256 |
| Cost of funding earning assets | 1.0100% | 589 |
| Net interest margin | 2.9531% | 5,698 |
| Noninterest income to average assets | 0.1928% | 6,097 |
| Noninterest expense to average assets | 1.9309% | 6,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8473% | 2,913 |
| Return on assets (ROA) | 0.8473% | 3,055 |
| Pretax return on assets | 1.0618% | 3,102 |
| Return on Equity (ROE) | 5.0663% | 4,537 |
| Retained earnings to average equity (ytd only) | 5.0663% | 3,196 |
| Net charge-offs to loans | 0.0075% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 227.6667% | 176 |
| Efficiency ratio | 64.5195% | 4,918 |
| Assets per employee ($millions) | 5.6766% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2703% | 1,456 |
| Loan loss allowance to noncurrent loans | 48.4695% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 3.1157% | 1,420 |
| Noncurrent loans to loans | 4.6839% | 860 |
| Net loans and leases to total assets | 61.3752% | 3,195 |
| Net loans and leases to deposits | 74.1533% | 2,896 |
| Net loans and leases to core deposits | 76.0249% | 3,323 |
| Total domestic deposits to total assets | 82.7681% | 4,932 |
| Equity capital to assets | 16.9469% | 430 |
| Core capital (leverage) ratio | 16.6540% | 390 |
| Tier 1 risk-based capital ratio | 30.9373% | 488 |
| Total risk-based capital ratio | 32.3543% | 474 |
| Memoranda: | ||
| Average total assets | $257,293,500 | 2,520 |
| Average earning assets | $243,950,500 | 2,434 |
| Average equity | $43,029,500 | 1,657 |
| Average total loans | $159,041,500 | 2,459 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2089% | 4,555 |
| Cost of funding earning assets | 1.1901% | 610 |
| Net interest margin | 3.0188% | 6,011 |
| Noninterest income to average assets | 0.2019% | 5,970 |
| Noninterest expense to average assets | 1.7902% | 6,639 |
| Loan and lease loss provision to assets | 0.0982% | 4,416 |
| Net operating income to assets | 0.9246% | 2,679 |
| Return on assets (ROA) | 0.9246% | 2,925 |
| Pretax return on assets | 1.1748% | 2,888 |
| Return on Equity (ROE) | 5.5600% | 4,396 |
| Retained earnings to average equity (ytd only) | 2.9950% | 4,121 |
| Net charge-offs to loans | 0.0914% | 4,757 |
| Credit loss provision to net charge-offs | 178.5714% | 1,471 |
| Earnings coverage of net charge-offs (x) | 23.1500% | 1,230 |
| Efficiency ratio | 58.4434% | 5,770 |
| Assets per employee ($millions) | 5.7587% | 1,464 |
| Cash dividends to net income (ytd only)* | 46.1342% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3119% | 1,347 |
| Loan loss allowance to noncurrent loans | 57.0066% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 2.7008% | 1,782 |
| Noncurrent loans to loans | 4.0555% | 1,152 |
| Net loans and leases to total assets | 59.4331% | 3,696 |
| Net loans and leases to deposits | 71.3718% | 3,513 |
| Net loans and leases to core deposits | 73.1278% | 3,904 |
| Total domestic deposits to total assets | 83.2725% | 4,612 |
| Equity capital to assets | 16.5041% | 480 |
| Core capital (leverage) ratio | 16.2936% | 418 |
| Tier 1 risk-based capital ratio | 31.1056% | 469 |
| Total risk-based capital ratio | 32.5222% | 449 |
| Memoranda: | ||
| Average total assets | $254,602,400 | 2,491 |
| Average earning assets | $241,324,600 | 2,398 |
| Average equity | $42,337,800 | 1,645 |
| Average total loans | $153,174,200 | 2,527 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 4,602 |
| Cost of funding earning assets | 1.2209% | 637 |
| Net interest margin | 3.0404% | 6,083 |
| Noninterest income to average assets | 0.2009% | 6,092 |
| Noninterest expense to average assets | 1.8064% | 6,678 |
| Loan and lease loss provision to assets | 0.0789% | 4,649 |
| Net operating income to assets | 0.9447% | 2,767 |
| Return on assets (ROA) | 0.9447% | 2,995 |
| Pretax return on assets | 1.1962% | 3,000 |
| Return on Equity (ROE) | 5.6704% | 4,498 |
| Retained earnings to average equity (ytd only) | 3.9560% | 4,099 |
| Net charge-offs to loans | 0.0929% | 4,447 |
| Credit loss provision to net charge-offs | 141.5094% | 2,038 |
| Earnings coverage of net charge-offs (x) | 22.8679% | 1,341 |
| Efficiency ratio | 58.6207% | 5,707 |
| Assets per employee ($millions) | 5.5974% | 1,545 |
| Cash dividends to net income (ytd only)* | 30.2337% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3213% | 1,478 |
| Loan loss allowance to noncurrent loans | 60.7331% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 2.4592% | 2,152 |
| Noncurrent loans to loans | 3.8222% | 1,379 |
| Net loans and leases to total assets | 58.4906% | 4,049 |
| Net loans and leases to deposits | 70.3983% | 3,843 |
| Net loans and leases to core deposits | 72.1445% | 4,229 |
| Total domestic deposits to total assets | 83.0852% | 4,611 |
| Equity capital to assets | 16.6491% | 508 |
| Core capital (leverage) ratio | 16.5666% | 421 |
| Tier 1 risk-based capital ratio | 31.5704% | 458 |
| Total risk-based capital ratio | 32.9922% | 445 |
| Memoranda: | ||
| Average total assets | $253,467,500 | 2,520 |
| Average earning assets | $240,140,000 | 2,441 |
| Average equity | $42,230,000 | 1,665 |
| Average total loans | $152,052,500 | 2,575 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3042% | 4,553 |
| Cost of funding earning assets | 1.2500% | 645 |
| Net interest margin | 3.0542% | 6,116 |
| Noninterest income to average assets | 0.2166% | 6,017 |
| Noninterest expense to average assets | 1.7554% | 6,795 |
| Loan and lease loss provision to assets | 0.0397% | 5,173 |
| Net operating income to assets | 1.0233% | 2,368 |
| Return on assets (ROA) | 1.0233% | 2,595 |
| Pretax return on assets | 1.3112% | 2,518 |
| Return on Equity (ROE) | 6.1403% | 4,254 |
| Retained earnings to average equity (ytd only) | 3.5557% | 4,230 |
| Net charge-offs to loans | 0.1414% | 3,787 |
| Credit loss provision to net charge-offs | 46.7290% | 4,113 |
| Earnings coverage of net charge-offs (x) | 15.9159% | 1,620 |
| Efficiency ratio | 56.5117% | 6,062 |
| Assets per employee ($millions) | 5.8759% | 1,311 |
| Cash dividends to net income (ytd only)* | 42.0930% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2996% | 1,590 |
| Loan loss allowance to noncurrent loans | 74.9892% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.0323% | 2,741 |
| Noncurrent loans to loans | 3.0666% | 1,916 |
| Net loans and leases to total assets | 58.4826% | 4,084 |
| Net loans and leases to deposits | 70.6195% | 3,803 |
| Net loans and leases to core deposits | 72.4026% | 4,253 |
| Total domestic deposits to total assets | 82.8136% | 4,820 |
| Equity capital to assets | 16.7320% | 481 |
| Core capital (leverage) ratio | 16.5097% | 412 |
| Tier 1 risk-based capital ratio | 32.2675% | 427 |
| Total risk-based capital ratio | 33.6578% | 417 |
| Memoranda: | ||
| Average total assets | $252,130,330 | 2,528 |
| Average earning assets | $238,555,330 | 2,444 |
| Average equity | $42,017,330 | 1,662 |
| Average total loans | $151,343,330 | 2,598 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 4,485 |
| Cost of funding earning assets | 1.2690% | 724 |
| Net interest margin | 3.0892% | 6,083 |
| Noninterest income to average assets | 0.2065% | 6,150 |
| Noninterest expense to average assets | 1.7597% | 6,842 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0609% | 2,249 |
| Return on assets (ROA) | 1.0609% | 2,443 |
| Pretax return on assets | 1.3658% | 2,308 |
| Return on Equity (ROE) | 6.3789% | 4,099 |
| Retained earnings to average equity (ytd only) | 6.3789% | 2,751 |
| Net charge-offs to loans | 0.2669% | 2,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.5149% | 1,951 |
| Efficiency ratio | 56.3008% | 6,092 |
| Assets per employee ($millions) | 5.8903% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2757% | 1,722 |
| Loan loss allowance to noncurrent loans | 77.8155% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.9386% | 2,985 |
| Noncurrent loans to loans | 2.9245% | 2,216 |
| Net loans and leases to total assets | 58.2223% | 3,999 |
| Net loans and leases to deposits | 70.1124% | 3,719 |
| Net loans and leases to core deposits | 71.8642% | 4,175 |
| Total domestic deposits to total assets | 83.0414% | 4,908 |
| Equity capital to assets | 16.6669% | 477 |
| Core capital (leverage) ratio | 16.6187% | 402 |
| Tier 1 risk-based capital ratio | 32.1851% | 428 |
| Total risk-based capital ratio | 33.5977% | 411 |
| Memoranda: | ||
| Average total assets | $251,863,000 | 2,548 |
| Average earning assets | $237,990,000 | 2,467 |
| Average equity | $41,888,000 | 1,652 |
| Average total loans | $151,393,500 | 2,611 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 4,265 |
| Cost of funding earning assets | 1.4427% | 872 |
| Net interest margin | 3.2532% | 5,947 |
| Noninterest income to average assets | 0.2581% | 5,689 |
| Noninterest expense to average assets | 1.6593% | 7,075 |
| Loan and lease loss provision to assets | 0.1422% | 4,838 |
| Net operating income to assets | 1.1765% | 1,581 |
| Return on assets (ROA) | 1.1765% | 1,694 |
| Pretax return on assets | 1.5337% | 1,384 |
| Return on Equity (ROE) | 7.1003% | 3,356 |
| Retained earnings to average equity (ytd only) | 4.5226% | 2,953 |
| Net charge-offs to loans | -0.0026% | 6,809 |
| Credit loss provision to net charge-offs | -8,750.0000% | 6,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7502% | 6,850 |
| Assets per employee ($millions) | 6.4217% | 994 |
| Cash dividends to net income (ytd only)* | 36.3040% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3274% | 1,582 |
| Loan loss allowance to noncurrent loans | 81.6209% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.8787% | 3,142 |
| Noncurrent loans to loans | 2.8515% | 2,294 |
| Net loans and leases to total assets | 59.2354% | 4,141 |
| Net loans and leases to deposits | 71.4020% | 3,884 |
| Net loans and leases to core deposits | 73.4045% | 4,319 |
| Total domestic deposits to total assets | 82.9603% | 4,765 |
| Equity capital to assets | 16.5953% | 505 |
| Core capital (leverage) ratio | 16.3032% | 433 |
| Tier 1 risk-based capital ratio | 31.1564% | 465 |
| Total risk-based capital ratio | 32.5554% | 454 |
| Memoranda: | ||
| Average total assets | $246,071,800 | 2,570 |
| Average earning assets | $232,752,400 | 2,479 |
| Average equity | $40,773,000 | 1,649 |
| Average total loans | $153,276,800 | 2,595 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 4,257 |
| Cost of funding earning assets | 1.4651% | 972 |
| Net interest margin | 3.2794% | 5,919 |
| Noninterest income to average assets | 0.2362% | 5,933 |
| Noninterest expense to average assets | 1.6676% | 7,126 |
| Loan and lease loss provision to assets | 0.1361% | 4,739 |
| Net operating income to assets | 1.1816% | 1,705 |
| Return on assets (ROA) | 1.1816% | 1,824 |
| Pretax return on assets | 1.5342% | 1,567 |
| Return on Equity (ROE) | 7.1338% | 3,463 |
| Retained earnings to average equity (ytd only) | 5.4251% | 2,895 |
| Net charge-offs to loans | -0.0564% | 7,067 |
| Credit loss provision to net charge-offs | -384.6154% | 6,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9592% | 6,831 |
| Assets per employee ($millions) | 6.4856% | 951 |
| Cash dividends to net income (ytd only)* | 23.9523% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2702% | 1,735 |
| Loan loss allowance to noncurrent loans | 82.4334% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.9151% | 3,243 |
| Noncurrent loans to loans | 2.7540% | 2,537 |
| Net loans and leases to total assets | 59.5001% | 4,231 |
| Net loans and leases to deposits | 71.3810% | 4,087 |
| Net loans and leases to core deposits | 73.5325% | 4,522 |
| Total domestic deposits to total assets | 83.3557% | 4,535 |
| Equity capital to assets | 16.3656% | 574 |
| Core capital (leverage) ratio | 16.3940% | 458 |
| Tier 1 risk-based capital ratio | 30.0223% | 536 |
| Total risk-based capital ratio | 31.3856% | 523 |
| Memoranda: | ||
| Average total assets | $244,978,500 | 2,588 |
| Average earning assets | $231,701,500 | 2,488 |
| Average equity | $40,575,750 | 1,659 |
| Average total loans | $153,624,250 | 2,614 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 4,456 |
| Cost of funding earning assets | 1.4878% | 1,046 |
| Net interest margin | 3.2307% | 6,064 |
| Noninterest income to average assets | 0.2476% | 5,878 |
| Noninterest expense to average assets | 1.6482% | 7,224 |
| Loan and lease loss provision to assets | 0.0825% | 5,277 |
| Net operating income to assets | 1.2050% | 1,555 |
| Return on assets (ROA) | 1.2050% | 1,642 |
| Pretax return on assets | 1.5690% | 1,330 |
| Return on Equity (ROE) | 7.2452% | 3,323 |
| Retained earnings to average equity (ytd only) | 4.6647% | 3,215 |
| Net charge-offs to loans | -0.0208% | 6,831 |
| Credit loss provision to net charge-offs | -625.0000% | 6,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9500% | 6,942 |
| Assets per employee ($millions) | 6.4199% | 963 |
| Cash dividends to net income (ytd only)* | 35.6164% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1356% | 2,043 |
| Loan loss allowance to noncurrent loans | 74.3405% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 2.1229% | 3,082 |
| Noncurrent loans to loans | 2.8727% | 2,544 |
| Net loans and leases to total assets | 61.9319% | 3,898 |
| Net loans and leases to deposits | 74.7802% | 3,677 |
| Net loans and leases to core deposits | 77.1233% | 4,173 |
| Total domestic deposits to total assets | 82.8186% | 4,843 |
| Equity capital to assets | 16.7191% | 515 |
| Core capital (leverage) ratio | 16.4054% | 465 |
| Tier 1 risk-based capital ratio | 30.0683% | 524 |
| Total risk-based capital ratio | 31.4752% | 512 |
| Memoranda: | ||
| Average total assets | $242,325,000 | 2,630 |
| Average earning assets | $228,926,330 | 2,539 |
| Average equity | $40,302,670 | 1,664 |
| Average total loans | $153,500,670 | 2,635 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 4,594 |
| Cost of funding earning assets | 1.5037% | 1,149 |
| Net interest margin | 3.1795% | 6,133 |
| Noninterest income to average assets | 0.2468% | 5,925 |
| Noninterest expense to average assets | 1.7208% | 7,211 |
| Loan and lease loss provision to assets | 0.1656% | 3,975 |
| Net operating income to assets | 1.0683% | 1,954 |
| Return on assets (ROA) | 1.0683% | 2,004 |
| Pretax return on assets | 1.3614% | 1,840 |
| Return on Equity (ROE) | 6.4403% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.4403% | 2,399 |
| Net charge-offs to loans | -0.0052% | 6,248 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9832% | 6,781 |
| Assets per employee ($millions) | 6.3591% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1411% | 2,097 |
| Loan loss allowance to noncurrent loans | 72.1697% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 2.3812% | 2,865 |
| Noncurrent loans to loans | 2.9668% | 2,533 |
| Net loans and leases to total assets | 62.0946% | 3,836 |
| Net loans and leases to deposits | 74.8258% | 3,628 |
| Net loans and leases to core deposits | 77.2851% | 4,115 |
| Total domestic deposits to total assets | 82.9854% | 4,940 |
| Equity capital to assets | 16.7100% | 476 |
| Core capital (leverage) ratio | 16.3572% | 449 |
| Tier 1 risk-based capital ratio | 30.3952% | 505 |
| Total risk-based capital ratio | 31.7905% | 491 |
| Memoranda: | ||
| Average total assets | $241,510,000 | 2,649 |
| Average earning assets | $227,963,500 | 2,567 |
| Average equity | $40,060,500 | 1,668 |
| Average total loans | $153,059,500 | 2,663 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9175% | 4,927 |
| Cost of funding earning assets | 1.7374% | 1,433 |
| Net interest margin | 3.1801% | 6,316 |
| Noninterest income to average assets | 0.2415% | 6,072 |
| Noninterest expense to average assets | 1.6148% | 7,401 |
| Loan and lease loss provision to assets | 0.9578% | 1,699 |
| Net operating income to assets | 0.6133% | 3,613 |
| Return on assets (ROA) | 0.6133% | 3,780 |
| Pretax return on assets | 0.6746% | 4,071 |
| Return on Equity (ROE) | 3.6577% | 4,669 |
| Retained earnings to average equity (ytd only) | 1.1449% | 4,973 |
| Net charge-offs to loans | 0.3090% | 4,473 |
| Credit loss provision to net charge-offs | 492.4406% | 465 |
| Earnings coverage of net charge-offs (x) | 8.3931% | 1,976 |
| Efficiency ratio | 49.7283% | 7,145 |
| Assets per employee ($millions) | 6.1891% | 1,090 |
| Cash dividends to net income (ytd only)* | 68.6986% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0820% | 2,112 |
| Loan loss allowance to noncurrent loans | 65.3854% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 2.3172% | 2,951 |
| Noncurrent loans to loans | 3.1842% | 2,392 |
| Net loans and leases to total assets | 61.9810% | 4,290 |
| Net loans and leases to deposits | 74.6299% | 4,090 |
| Net loans and leases to core deposits | 76.9780% | 4,592 |
| Total domestic deposits to total assets | 83.0512% | 4,774 |
| Equity capital to assets | 16.4649% | 522 |
| Core capital (leverage) ratio | 16.1488% | 488 |
| Tier 1 risk-based capital ratio | 30.2132% | 499 |
| Total risk-based capital ratio | 31.5851% | 488 |
| Memoranda: | ||
| Average total assets | $238,054,400 | 2,661 |
| Average earning assets | $224,993,400 | 2,569 |
| Average equity | $39,915,800 | 1,662 |
| Average total loans | $149,818,800 | 2,773 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9800% | 4,908 |
| Cost of funding earning assets | 1.7958% | 1,432 |
| Net interest margin | 3.1842% | 6,397 |
| Noninterest income to average assets | 0.2276% | 6,273 |
| Noninterest expense to average assets | 1.6412% | 7,475 |
| Loan and lease loss provision to assets | 0.4805% | 3,069 |
| Net operating income to assets | 0.9071% | 2,575 |
| Return on assets (ROA) | 0.9071% | 2,725 |
| Pretax return on assets | 1.1145% | 2,779 |
| Return on Equity (ROE) | 5.3854% | 4,089 |
| Retained earnings to average equity (ytd only) | 3.7304% | 3,837 |
| Net charge-offs to loans | 0.3256% | 4,033 |
| Credit loss provision to net charge-offs | 234.8901% | 1,440 |
| Earnings coverage of net charge-offs (x) | 7.7967% | 2,264 |
| Efficiency ratio | 50.7121% | 7,098 |
| Assets per employee ($millions) | 6.3661% | 1,037 |
| Cash dividends to net income (ytd only)* | 30.7312% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,389 |
| Loan loss allowance to noncurrent loans | 42.5166% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 2.2297% | 3,158 |
| Noncurrent loans to loans | 2.8693% | 2,783 |
| Net loans and leases to total assets | 62.0898% | 4,514 |
| Net loans and leases to deposits | 74.9720% | 4,343 |
| Net loans and leases to core deposits | 77.2795% | 4,890 |
| Total domestic deposits to total assets | 82.8172% | 4,668 |
| Equity capital to assets | 16.8136% | 544 |
| Core capital (leverage) ratio | 16.3675% | 507 |
| Tier 1 risk-based capital ratio | 30.7758% | 484 |
| Total risk-based capital ratio | 32.1136% | 472 |
| Memoranda: | ||
| Average total assets | $237,224,500 | 2,702 |
| Average earning assets | $224,144,250 | 2,617 |
| Average equity | $39,959,250 | 1,671 |
| Average total loans | $149,076,750 | 2,826 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 5,035 |
| Cost of funding earning assets | 1.8513% | 1,426 |
| Net interest margin | 3.1280% | 6,523 |
| Noninterest income to average assets | 0.2393% | 6,195 |
| Noninterest expense to average assets | 1.6201% | 7,556 |
| Loan and lease loss provision to assets | 0.5347% | 2,647 |
| Net operating income to assets | 0.8580% | 2,700 |
| Return on assets (ROA) | 0.8580% | 2,843 |
| Pretax return on assets | 1.0413% | 2,970 |
| Return on Equity (ROE) | 5.0905% | 4,248 |
| Retained earnings to average equity (ytd only) | 2.5931% | 4,491 |
| Net charge-offs to loans | 0.4984% | 3,042 |
| Credit loss provision to net charge-offs | 170.7317% | 2,290 |
| Earnings coverage of net charge-offs (x) | 5.0325% | 2,770 |
| Efficiency ratio | 50.6904% | 7,180 |
| Assets per employee ($millions) | 6.2125% | 1,090 |
| Cash dividends to net income (ytd only)* | 49.0603% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 6,027 |
| Loan loss allowance to noncurrent loans | 41.6987% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 2.0158% | 3,484 |
| Noncurrent loans to loans | 2.5978% | 3,040 |
| Net loans and leases to total assets | 61.2451% | 4,833 |
| Net loans and leases to deposits | 73.7938% | 4,711 |
| Net loans and leases to core deposits | 75.8387% | 5,213 |
| Total domestic deposits to total assets | 82.9950% | 4,579 |
| Equity capital to assets | 16.4932% | 600 |
| Core capital (leverage) ratio | 16.2817% | 531 |
| Tier 1 risk-based capital ratio | 30.5019% | 482 |
| Total risk-based capital ratio | 31.8224% | 473 |
| Memoranda: | ||
| Average total assets | $235,662,330 | 2,743 |
| Average earning assets | $222,759,670 | 2,654 |
| Average equity | $39,721,000 | 1,679 |
| Average total loans | $148,083,330 | 2,870 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0440% | 4,812 |
| Cost of funding earning assets | 1.9240% | 1,355 |
| Net interest margin | 3.1199% | 6,542 |
| Noninterest income to average assets | 0.2393% | 6,235 |
| Noninterest expense to average assets | 1.6544% | 7,616 |
| Loan and lease loss provision to assets | 0.3529% | 3,266 |
| Net operating income to assets | 0.9503% | 2,359 |
| Return on assets (ROA) | 0.9503% | 2,427 |
| Pretax return on assets | 1.1827% | 2,427 |
| Return on Equity (ROE) | 5.5756% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.5756% | 2,825 |
| Net charge-offs to loans | 0.5329% | 2,468 |
| Credit loss provision to net charge-offs | 104.5918% | 3,278 |
| Earnings coverage of net charge-offs (x) | 4.5510% | 2,607 |
| Efficiency ratio | 51.8618% | 7,173 |
| Assets per employee ($millions) | 6.1653% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 6,741 |
| Loan loss allowance to noncurrent loans | 26.9005% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 2.3625% | 3,070 |
| Noncurrent loans to loans | 3.4543% | 2,307 |
| Net loans and leases to total assets | 62.4830% | 4,661 |
| Net loans and leases to deposits | 75.5834% | 4,481 |
| Net loans and leases to core deposits | 77.9143% | 5,028 |
| Total domestic deposits to total assets | 82.6675% | 4,771 |
| Equity capital to assets | 17.0081% | 535 |
| Core capital (leverage) ratio | 16.9240% | 464 |
| Tier 1 risk-based capital ratio | 31.2079% | 466 |
| Total risk-based capital ratio | 32.3816% | 461 |
| Memoranda: | ||
| Average total assets | $232,350,000 | 2,848 |
| Average earning assets | $219,748,000 | 2,742 |
| Average equity | $39,601,000 | 1,698 |
| Average total loans | $147,118,000 | 2,942 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4644% | 4,360 |
| Cost of funding earning assets | 2.2087% | 1,987 |
| Net interest margin | 3.2557% | 5,906 |
| Noninterest income to average assets | 0.1997% | 6,672 |
| Noninterest expense to average assets | 1.7028% | 7,701 |
| Loan and lease loss provision to assets | 0.0962% | 6,649 |
| Net operating income to assets | 1.1367% | 1,419 |
| Return on assets (ROA) | 1.1367% | 1,446 |
| Pretax return on assets | 1.4784% | 1,238 |
| Return on Equity (ROE) | 6.3661% | 3,047 |
| Retained earnings to average equity (ytd only) | 3.8935% | 2,488 |
| Net charge-offs to loans | 0.0298% | 6,831 |
| Credit loss provision to net charge-offs | 488.3721% | 627 |
| Earnings coverage of net charge-offs (x) | 79.9535% | 342 |
| Efficiency ratio | 51.9564% | 7,390 |
| Assets per employee ($millions) | 6.0636% | 1,210 |
| Cash dividends to net income (ytd only)* | 38.8396% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 6,703 |
| Loan loss allowance to noncurrent loans | 30.5624% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 2.0511% | 3,331 |
| Noncurrent loans to loans | 3.0469% | 2,533 |
| Net loans and leases to total assets | 62.9780% | 4,817 |
| Net loans and leases to deposits | 76.4278% | 4,662 |
| Net loans and leases to core deposits | 91.8884% | 4,899 |
| Total domestic deposits to total assets | 82.4019% | 4,771 |
| Equity capital to assets | 17.0799% | 551 |
| Core capital (leverage) ratio | 16.9460% | 494 |
| Tier 1 risk-based capital ratio | 31.4468% | 462 |
| Total risk-based capital ratio | 32.6382% | 464 |
| Memoranda: | ||
| Average total assets | $218,351,400 | 2,966 |
| Average earning assets | $206,408,000 | 2,883 |
| Average equity | $38,987,800 | 1,717 |
| Average total loans | $144,248,600 | 3,015 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5219% | 4,311 |
| Cost of funding earning assets | 2.2500% | 2,186 |
| Net interest margin | 3.2719% | 5,744 |
| Noninterest income to average assets | 0.2161% | 6,688 |
| Noninterest expense to average assets | 1.7882% | 7,671 |
| Loan and lease loss provision to assets | 0.0867% | 6,501 |
| Net operating income to assets | 1.1108% | 1,708 |
| Return on assets (ROA) | 1.1108% | 1,764 |
| Pretax return on assets | 1.4340% | 1,612 |
| Return on Equity (ROE) | 6.1496% | 3,467 |
| Retained earnings to average equity (ytd only) | 4.5042% | 2,756 |
| Net charge-offs to loans | -0.0158% | 7,736 |
| Credit loss provision to net charge-offs | -823.5294% | 7,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0419% | 7,230 |
| Assets per employee ($millions) | 6.0619% | 1,185 |
| Cash dividends to net income (ytd only)* | 26.7557% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 6,596 |
| Loan loss allowance to noncurrent loans | 23.9011% | 6,848 |
| Noncurrent assets plus other real estate owned to assets | 2.6430% | 2,631 |
| Noncurrent loans to loans | 3.9305% | 1,873 |
| Net loans and leases to total assets | 63.6563% | 4,939 |
| Net loans and leases to deposits | 77.6152% | 4,794 |
| Net loans and leases to core deposits | 93.1234% | 5,118 |
| Total domestic deposits to total assets | 82.0152% | 4,670 |
| Equity capital to assets | 17.5252% | 561 |
| Core capital (leverage) ratio | 17.3125% | 513 |
| Tier 1 risk-based capital ratio | 31.9016% | 474 |
| Total risk-based capital ratio | 33.1076% | 469 |
| Memoranda: | ||
| Average total assets | $215,335,000 | 3,022 |
| Average earning assets | $203,548,250 | 2,937 |
| Average equity | $38,896,000 | 1,745 |
| Average total loans | $143,691,750 | 3,052 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5830% | 4,157 |
| Cost of funding earning assets | 2.2689% | 2,495 |
| Net interest margin | 3.3141% | 5,503 |
| Noninterest income to average assets | 0.2345% | 6,602 |
| Noninterest expense to average assets | 1.8291% | 7,712 |
| Loan and lease loss provision to assets | 0.1036% | 6,132 |
| Net operating income to assets | 1.1067% | 1,748 |
| Return on assets (ROA) | 1.1067% | 1,827 |
| Pretax return on assets | 1.4316% | 1,643 |
| Return on Equity (ROE) | 6.0631% | 3,618 |
| Retained earnings to average equity (ytd only) | 3.5863% | 3,305 |
| Net charge-offs to loans | -0.0223% | 7,718 |
| Credit loss provision to net charge-offs | -687.5000% | 7,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3673% | 7,292 |
| Assets per employee ($millions) | 5.6101% | 1,494 |
| Cash dividends to net income (ytd only)* | 40.8511% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 6,673 |
| Loan loss allowance to noncurrent loans | 40.1031% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 1.6075% | 3,806 |
| Noncurrent loans to loans | 2.3027% | 3,131 |
| Net loans and leases to total assets | 64.8759% | 4,786 |
| Net loans and leases to deposits | 79.5842% | 4,604 |
| Net loans and leases to core deposits | 95.0902% | 4,998 |
| Total domestic deposits to total assets | 81.5186% | 4,891 |
| Equity capital to assets | 17.8365% | 566 |
| Core capital (leverage) ratio | 17.7401% | 538 |
| Tier 1 risk-based capital ratio | 32.0542% | 498 |
| Total risk-based capital ratio | 33.2282% | 491 |
| Memoranda: | ||
| Average total assets | $212,350,330 | 3,083 |
| Average earning assets | $200,538,670 | 2,993 |
| Average equity | $38,759,000 | 1,759 |
| Average total loans | $143,546,330 | 3,087 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6813% | 3,895 |
| Cost of funding earning assets | 2.2948% | 2,723 |
| Net interest margin | 3.3865% | 5,185 |
| Noninterest income to average assets | 0.1951% | 6,901 |
| Noninterest expense to average assets | 1.6067% | 7,907 |
| Loan and lease loss provision to assets | 0.0574% | 6,241 |
| Net operating income to assets | 1.2815% | 1,427 |
| Return on assets (ROA) | 1.2815% | 1,527 |
| Pretax return on assets | 1.7233% | 1,133 |
| Return on Equity (ROE) | 6.9383% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.9383% | 2,233 |
| Net charge-offs to loans | -0.1642% | 7,989 |
| Credit loss provision to net charge-offs | -50.8475% | 6,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4308% | 7,760 |
| Assets per employee ($millions) | 5.4304% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 6,752 |
| Loan loss allowance to noncurrent loans | 32.7978% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 1.9298% | 3,007 |
| Noncurrent loans to loans | 2.7446% | 2,387 |
| Net loans and leases to total assets | 66.8488% | 4,378 |
| Net loans and leases to deposits | 82.3869% | 4,223 |
| Net loans and leases to core deposits | 98.0701% | 4,736 |
| Total domestic deposits to total assets | 81.1400% | 4,908 |
| Equity capital to assets | 18.4100% | 555 |
| Core capital (leverage) ratio | 18.4522% | 503 |
| Tier 1 risk-based capital ratio | 32.2509% | 519 |
| Total risk-based capital ratio | 33.3875% | 510 |
| Memoranda: | ||
| Average total assets | $209,129,000 | 3,122 |
| Average earning assets | $197,138,000 | 3,052 |
| Average equity | $38,626,000 | 1,757 |
| Average total loans | $143,686,000 | 3,114 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9456% | 5,825 |
| Cost of funding earning assets | 2.4622% | 4,414 |
| Net interest margin | 3.4834% | 5,352 |
| Noninterest income to average assets | 0.1971% | 7,037 |
| Noninterest expense to average assets | 1.6461% | 7,921 |
| Loan and lease loss provision to assets | 0.0149% | 7,190 |
| Net operating income to assets | 1.3465% | 1,357 |
| Return on assets (ROA) | 1.3487% | 1,307 |
| Pretax return on assets | 1.8403% | 866 |
| Return on Equity (ROE) | 7.3165% | 3,361 |
| Retained earnings to average equity (ytd only) | 4.8274% | 2,129 |
| Net charge-offs to loans | 0.0128% | 6,731 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | 207.2222% | 230 |
| Efficiency ratio | 47.0546% | 7,868 |
| Assets per employee ($millions) | 5.2941% | 1,643 |
| Cash dividends to net income (ytd only)* | 34.0206% | 3,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8283% | 6,987 |
| Loan loss allowance to noncurrent loans | 27.9021% | 6,841 |
| Noncurrent assets plus other real estate owned to assets | 2.0778% | 2,369 |
| Noncurrent loans to loans | 2.9687% | 1,809 |
| Net loans and leases to total assets | 69.4102% | 4,163 |
| Net loans and leases to deposits | 85.7550% | 4,150 |
| Net loans and leases to core deposits | 101.2291% | 4,696 |
| Total domestic deposits to total assets | 80.9402% | 4,664 |
| Equity capital to assets | 18.5314% | 597 |
| Core capital (leverage) ratio | 18.4393% | 561 |
| Tier 1 risk-based capital ratio | 32.6869% | 520 |
| Total risk-based capital ratio | 33.7907% | 513 |
| Memoranda: | ||
| Average total assets | $201,385,200 | 3,116 |
| Average earning assets | $190,848,600 | 3,027 |
| Average equity | $37,121,800 | 1,826 |
| Average total loans | $140,100,600 | 3,096 |