Home > The First National Bank of Bastrop > Performance and Condition Ratios
The First National Bank of Bastrop, 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 | 4.5143% | 3,077 |
| Cost of funding earning assets | 1.3878% | 2,260 |
| Net interest margin | 3.1265% | 3,035 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.6810% | 1,791 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.8828% | 2,598 |
| Return on assets (ROA) | 0.7376% | 3,066 |
| Pretax return on assets | 0.7376% | 3,362 |
| Return on Equity (ROE) | 12.0900% | 1,931 |
| Retained earnings to average equity (ytd only) | 5.0641% | 2,588 |
| Net charge-offs to loans | 0.0518% | 1,351 |
| Credit loss provision to net charge-offs | 159.7744% | 1,411 |
| Earnings coverage of net charge-offs (x) | 33.3534% | 1,563 |
| Efficiency ratio | 74.3443% | 1,418 |
| Assets per employee ($millions) | 6.3247% | 2,529 |
| Cash dividends to net income (ytd only)* | 58.1083% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,027 |
| Loan loss allowance to noncurrent loans | 481.2046% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 2,420 |
| Noncurrent loans to loans | 0.2594% | 2,255 |
| Net loans and leases to total assets | 54.5700% | 3,305 |
| Net loans and leases to deposits | 61.0537% | 3,468 |
| Net loans and leases to core deposits | 68.8688% | 3,361 |
| Total domestic deposits to total assets | 89.3800% | 954 |
| Equity capital to assets | 7.1350% | 3,885 |
| Core capital (leverage) ratio | 11.4463% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1782% | 676 |
| Memoranda: | ||
| Average total assets | $958,931,000 | 1,022 |
| Average earning assets | $913,589,600 | 982 |
| Average equity | $58,510,000 | 1,417 |
| Average total loans | $513,302,600 | 1,203 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 3,060 |
| Cost of funding earning assets | 1.2865% | 2,187 |
| Net interest margin | 3.1369% | 3,065 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.6568% | 1,779 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.9440% | 2,535 |
| Return on assets (ROA) | 0.7503% | 3,165 |
| Pretax return on assets | 0.7503% | 3,449 |
| Return on Equity (ROE) | 12.8400% | 1,933 |
| Retained earnings to average equity (ytd only) | 8.8086% | 1,738 |
| Net charge-offs to loans | 0.0527% | 1,150 |
| Credit loss provision to net charge-offs | 124.3781% | 1,455 |
| Earnings coverage of net charge-offs (x) | 34.9104% | 1,518 |
| Efficiency ratio | 73.1283% | 1,437 |
| Assets per employee ($millions) | 6.0940% | 2,657 |
| Cash dividends to net income (ytd only)* | 31.4111% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,122 |
| Loan loss allowance to noncurrent loans | 946.2990% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,104 |
| Noncurrent loans to loans | 0.1317% | 2,892 |
| Net loans and leases to total assets | 55.7600% | 3,224 |
| Net loans and leases to deposits | 60.5670% | 3,474 |
| Net loans and leases to core deposits | 68.0489% | 3,321 |
| Total domestic deposits to total assets | 92.0700% | 439 |
| Equity capital to assets | 5.1401% | 4,225 |
| Core capital (leverage) ratio | 11.3887% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8639% | 714 |
| Memoranda: | ||
| Average total assets | $958,325,250 | 1,027 |
| Average earning assets | $914,002,000 | 986 |
| Average equity | $55,989,250 | 1,452 |
| Average total loans | $508,813,500 | 1,212 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 3,113 |
| Cost of funding earning assets | 1.0846% | 2,340 |
| Net interest margin | 3.2076% | 2,972 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.6613% | 1,747 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9936% | 2,440 |
| Return on assets (ROA) | 0.9368% | 2,611 |
| Pretax return on assets | 0.9368% | 3,078 |
| Return on Equity (ROE) | 15.4400% | 1,379 |
| Retained earnings to average equity (ytd only) | 9.9521% | 1,411 |
| Net charge-offs to loans | 0.0675% | 881 |
| Credit loss provision to net charge-offs | 88.2353% | 1,512 |
| Earnings coverage of net charge-offs (x) | 29.1000% | 1,568 |
| Efficiency ratio | 72.2717% | 1,527 |
| Assets per employee ($millions) | 6.4444% | 2,336 |
| Cash dividends to net income (ytd only)* | 35.5585% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,211 |
| Loan loss allowance to noncurrent loans | 1,242.9672% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,240 |
| Noncurrent loans to loans | 0.1000% | 2,990 |
| Net loans and leases to total assets | 53.0300% | 3,340 |
| Net loans and leases to deposits | 59.8835% | 3,426 |
| Net loans and leases to core deposits | 66.9576% | 3,291 |
| Total domestic deposits to total assets | 88.5600% | 1,393 |
| Equity capital to assets | 6.2568% | 4,083 |
| Core capital (leverage) ratio | 11.2394% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6106% | 750 |
| Memoranda: | ||
| Average total assets | $969,006,333 | 1,005 |
| Average earning assets | $924,604,000 | 965 |
| Average equity | $58,781,667 | 1,412 |
| Average total loans | $504,075,333 | 1,206 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 3,102 |
| Cost of funding earning assets | 0.9465% | 2,230 |
| Net interest margin | 3.2248% | 3,057 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.6032% | 1,943 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0575% | 2,358 |
| Return on assets (ROA) | 0.9442% | 2,662 |
| Pretax return on assets | 0.9442% | 3,141 |
| Return on Equity (ROE) | 15.8100% | 1,397 |
| Retained earnings to average equity (ytd only) | 13.1535% | 1,064 |
| Net charge-offs to loans | 0.0491% | 876 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 42.0492% | 1,173 |
| Efficiency ratio | 71.1116% | 1,623 |
| Assets per employee ($millions) | 6.3019% | 2,501 |
| Cash dividends to net income (ytd only)* | 16.8122% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 2,201 |
| Loan loss allowance to noncurrent loans | 468.2250% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 2,522 |
| Noncurrent loans to loans | 0.2706% | 2,175 |
| Net loans and leases to total assets | 51.4800% | 3,383 |
| Net loans and leases to deposits | 55.5272% | 3,597 |
| Net loans and leases to core deposits | 61.3176% | 3,484 |
| Total domestic deposits to total assets | 92.7100% | 352 |
| Equity capital to assets | 6.5201% | 4,020 |
| Core capital (leverage) ratio | 11.0802% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9399% | 748 |
| Memoranda: | ||
| Average total assets | $970,182,000 | 1,017 |
| Average earning assets | $926,322,000 | 982 |
| Average equity | $57,931,500 | 1,436 |
| Average total loans | $496,559,000 | 1,234 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7969% | 2,290 |
| Cost of funding earning assets | 0.3264% | 2,669 |
| Net interest margin | 3.4705% | 2,031 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.3911% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5344% | 806 |
| Return on assets (ROA) | 1.5490% | 754 |
| Pretax return on assets | 1.5490% | 1,297 |
| Return on Equity (ROE) | 22.2400% | 327 |
| Retained earnings to average equity (ytd only) | 11.6497% | 749 |
| Net charge-offs to loans | 0.0538% | 1,126 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 60.4083% | 1,254 |
| Efficiency ratio | 60.9124% | 2,924 |
| Assets per employee ($millions) | 6.3808% | 2,434 |
| Cash dividends to net income (ytd only)* | 47.6223% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 1,656 |
| Loan loss allowance to noncurrent loans | 11,031.6667% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 3,853 |
| Noncurrent loans to loans | 0.0123% | 3,748 |
| Net loans and leases to total assets | 49.5400% | 3,538 |
| Net loans and leases to deposits | 54.6137% | 3,644 |
| Net loans and leases to core deposits | 60.3429% | 3,491 |
| Total domestic deposits to total assets | 90.7200% | 1,053 |
| Equity capital to assets | 5.4219% | 4,261 |
| Core capital (leverage) ratio | 11.0015% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2481% | 695 |
| Memoranda: | ||
| Average total assets | $944,880,400 | 1,034 |
| Average earning assets | $902,027,200 | 997 |
| Average equity | $65,804,400 | 1,311 |
| Average total loans | $446,251,800 | 1,278 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 2,120 |
| Cost of funding earning assets | 0.2357% | 2,864 |
| Net interest margin | 3.4359% | 1,848 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.2709% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6399% | 605 |
| Return on assets (ROA) | 1.6665% | 555 |
| Pretax return on assets | 1.6665% | 966 |
| Return on Equity (ROE) | 22.6300% | 267 |
| Retained earnings to average equity (ytd only) | 16.6187% | 235 |
| Net charge-offs to loans | 0.0275% | 1,274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 128.2778% | 816 |
| Efficiency ratio | 58.0670% | 3,374 |
| Assets per employee ($millions) | 6.5272% | 2,297 |
| Cash dividends to net income (ytd only)* | 26.5769% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 1,445 |
| Loan loss allowance to noncurrent loans | 1,912.1469% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 3,545 |
| Noncurrent loans to loans | 0.0759% | 3,331 |
| Net loans and leases to total assets | 48.2000% | 3,609 |
| Net loans and leases to deposits | 51.8652% | 3,742 |
| Net loans and leases to core deposits | 57.3797% | 3,538 |
| Total domestic deposits to total assets | 92.9300% | 598 |
| Equity capital to assets | 5.5848% | 4,102 |
| Core capital (leverage) ratio | 11.3160% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1995% | 625 |
| Memoranda: | ||
| Average total assets | $938,631,750 | 1,046 |
| Average earning assets | $896,640,500 | 1,006 |
| Average equity | $69,109,000 | 1,277 |
| Average total loans | $436,033,500 | 1,292 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5651% | 1,947 |
| Cost of funding earning assets | 0.2044% | 2,860 |
| Net interest margin | 3.3607% | 1,717 |
| Noninterest income to average assets | 0.6256% | 1,632 |
| Noninterest expense to average assets | 2.1588% | 2,974 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6744% | 455 |
| Return on assets (ROA) | 1.7108% | 410 |
| Pretax return on assets | 1.7108% | 735 |
| Return on Equity (ROE) | 21.4718% | 219 |
| Retained earnings to average equity (ytd only) | 14.7948% | 283 |
| Net charge-offs to loans | 0.0235% | 1,253 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 156.3600% | 627 |
| Efficiency ratio | 56.3191% | 3,746 |
| Assets per employee ($millions) | 7.4156% | 1,667 |
| Cash dividends to net income (ytd only)* | 31.0966% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 1,218 |
| Loan loss allowance to noncurrent loans | 203.8623% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 1,603 |
| Noncurrent loans to loans | 0.7705% | 1,112 |
| Net loans and leases to total assets | 44.6038% | 3,789 |
| Net loans and leases to deposits | 47.7002% | 3,934 |
| Net loans and leases to core deposits | 52.6505% | 3,775 |
| Total domestic deposits to total assets | 93.5087% | 389 |
| Equity capital to assets | 6.1241% | 4,168 |
| Core capital (leverage) ratio | 11.0213% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1083% | 527 |
| Memoranda: | ||
| Average total assets | $933,850,667 | 1,048 |
| Average earning assets | $891,303,667 | 1,020 |
| Average equity | $74,404,667 | 1,233 |
| Average total loans | $426,009,333 | 1,309 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4863% | 1,852 |
| Cost of funding earning assets | 0.2021% | 2,768 |
| Net interest margin | 3.2842% | 1,608 |
| Noninterest income to average assets | 0.6201% | 1,606 |
| Noninterest expense to average assets | 2.1369% | 3,017 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6183% | 487 |
| Return on assets (ROA) | 1.6920% | 424 |
| Pretax return on assets | 1.6920% | 693 |
| Return on Equity (ROE) | 18.9613% | 284 |
| Retained earnings to average equity (ytd only) | 15.5160% | 259 |
| Net charge-offs to loans | 0.0208% | 1,124 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 169.6364% | 483 |
| Efficiency ratio | 56.9053% | 3,799 |
| Assets per employee ($millions) | 7.3909% | 1,744 |
| Cash dividends to net income (ytd only)* | 18.1702% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 1,235 |
| Loan loss allowance to noncurrent loans | 169.6526% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4227% | 1,438 |
| Noncurrent loans to loans | 0.9512% | 958 |
| Net loans and leases to total assets | 43.7186% | 3,757 |
| Net loans and leases to deposits | 48.2236% | 3,856 |
| Net loans and leases to core deposits | 53.7628% | 3,608 |
| Total domestic deposits to total assets | 90.6582% | 1,211 |
| Equity capital to assets | 9.0169% | 2,696 |
| Core capital (leverage) ratio | 11.4509% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6150% | 512 |
| Memoranda: | ||
| Average total assets | $922,467,000 | 1,060 |
| Average earning assets | $880,582,000 | 1,037 |
| Average equity | $82,315,000 | 1,165 |
| Average total loans | $422,265,500 | 1,319 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4754% | 2,733 |
| Cost of funding earning assets | 0.2205% | 3,252 |
| Net interest margin | 3.2549% | 2,448 |
| Noninterest income to average assets | 0.8366% | 1,356 |
| Noninterest expense to average assets | 2.2819% | 2,848 |
| Loan and lease loss provision to assets | 0.0542% | 1,971 |
| Net operating income to assets | 1.6172% | 765 |
| Return on assets (ROA) | 1.6401% | 761 |
| Pretax return on assets | 1.6401% | 1,310 |
| Return on Equity (ROE) | 17.3646% | 535 |
| Retained earnings to average equity (ytd only) | 8.4445% | 1,369 |
| Net charge-offs to loans | 0.0225% | 1,807 |
| Credit loss provision to net charge-offs | 505.6180% | 791 |
| Earnings coverage of net charge-offs (x) | 155.9213% | 638 |
| Efficiency ratio | 57.7217% | 3,484 |
| Assets per employee ($millions) | 6.6531% | 2,194 |
| Cash dividends to net income (ytd only)* | 51.3696% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 1,196 |
| Loan loss allowance to noncurrent loans | 144.7657% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 1,256 |
| Noncurrent loans to loans | 1.1258% | 860 |
| Net loans and leases to total assets | 46.4393% | 3,658 |
| Net loans and leases to deposits | 51.3777% | 3,775 |
| Net loans and leases to core deposits | 57.6443% | 3,503 |
| Total domestic deposits to total assets | 90.3880% | 767 |
| Equity capital to assets | 8.8233% | 3,785 |
| Core capital (leverage) ratio | 8.6488% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0727% | 1,250 |
| Memoranda: | ||
| Average total assets | $830,259,800 | 1,118 |
| Average earning assets | $795,014,800 | 1,097 |
| Average equity | $78,418,000 | 1,226 |
| Average total loans | $395,659,200 | 1,390 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4870% | 2,869 |
| Cost of funding earning assets | 0.2301% | 3,325 |
| Net interest margin | 3.2569% | 2,560 |
| Noninterest income to average assets | 0.7755% | 1,599 |
| Noninterest expense to average assets | 2.2566% | 2,873 |
| Loan and lease loss provision to assets | 0.0736% | 1,571 |
| Net operating income to assets | 1.5691% | 1,104 |
| Return on assets (ROA) | 1.5772% | 1,132 |
| Pretax return on assets | 1.5772% | 1,770 |
| Return on Equity (ROE) | 16.4031% | 867 |
| Retained earnings to average equity (ytd only) | 11.0551% | 1,055 |
| Net charge-offs to loans | 0.0257% | 1,527 |
| Credit loss provision to net charge-offs | 600.0000% | 701 |
| Earnings coverage of net charge-offs (x) | 133.8800% | 727 |
| Efficiency ratio | 57.8711% | 3,281 |
| Assets per employee ($millions) | 6.4996% | 2,246 |
| Cash dividends to net income (ytd only)* | 32.6037% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7528% | 1,010 |
| Loan loss allowance to noncurrent loans | 132.8629% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5852% | 1,308 |
| Noncurrent loans to loans | 1.3192% | 814 |
| Net loans and leases to total assets | 43.5822% | 3,992 |
| Net loans and leases to deposits | 48.2450% | 4,102 |
| Net loans and leases to core deposits | 53.9640% | 3,925 |
| Total domestic deposits to total assets | 90.3351% | 624 |
| Equity capital to assets | 9.2502% | 3,606 |
| Core capital (leverage) ratio | 8.8959% | 3,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9770% | 964 |
| Memoranda: | ||
| Average total assets | $814,946,750 | 1,144 |
| Average earning assets | $781,663,750 | 1,126 |
| Average equity | $78,357,250 | 1,245 |
| Average total loans | $389,356,250 | 1,439 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5337% | 2,810 |
| Cost of funding earning assets | 0.2423% | 3,353 |
| Net interest margin | 3.2915% | 2,465 |
| Noninterest income to average assets | 0.7273% | 1,728 |
| Noninterest expense to average assets | 2.2610% | 2,878 |
| Loan and lease loss provision to assets | 0.1136% | 1,109 |
| Net operating income to assets | 1.5024% | 1,282 |
| Return on assets (ROA) | 1.5024% | 1,346 |
| Pretax return on assets | 1.5024% | 2,006 |
| Return on Equity (ROE) | 15.4078% | 1,066 |
| Retained earnings to average equity (ytd only) | 8.6609% | 1,833 |
| Net charge-offs to loans | 0.0170% | 1,609 |
| Credit loss provision to net charge-offs | 1,363.6364% | 384 |
| Earnings coverage of net charge-offs (x) | 193.9091% | 505 |
| Efficiency ratio | 58.3181% | 3,244 |
| Assets per employee ($millions) | 6.4431% | 2,208 |
| Cash dividends to net income (ytd only)* | 43.7889% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7870% | 903 |
| Loan loss allowance to noncurrent loans | 136.4174% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 1,394 |
| Noncurrent loans to loans | 1.3100% | 899 |
| Net loans and leases to total assets | 45.0268% | 3,972 |
| Net loans and leases to deposits | 49.8508% | 4,123 |
| Net loans and leases to core deposits | 54.5598% | 3,991 |
| Total domestic deposits to total assets | 90.3231% | 638 |
| Equity capital to assets | 9.2520% | 3,557 |
| Core capital (leverage) ratio | 8.9964% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5231% | 1,032 |
| Memoranda: | ||
| Average total assets | $791,946,000 | 1,170 |
| Average earning assets | $757,836,333 | 1,138 |
| Average equity | $77,220,667 | 1,250 |
| Average total loans | $388,436,000 | 1,443 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 2,758 |
| Cost of funding earning assets | 0.2595% | 3,383 |
| Net interest margin | 3.3017% | 2,387 |
| Noninterest income to average assets | 0.6533% | 2,015 |
| Noninterest expense to average assets | 2.3021% | 2,785 |
| Loan and lease loss provision to assets | 0.2350% | 468 |
| Net operating income to assets | 1.2665% | 1,931 |
| Return on assets (ROA) | 1.2665% | 2,007 |
| Pretax return on assets | 1.2665% | 2,665 |
| Return on Equity (ROE) | 12.6326% | 1,773 |
| Retained earnings to average equity (ytd only) | 7.1784% | 2,517 |
| Net charge-offs to loans | 0.0041% | 1,769 |
| Credit loss provision to net charge-offs | 11,250.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 718.7500% | 131 |
| Efficiency ratio | 60.5245% | 2,973 |
| Assets per employee ($millions) | 6.3122% | 2,320 |
| Cash dividends to net income (ytd only)* | 43.1753% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7737% | 913 |
| Loan loss allowance to noncurrent loans | 117.3568% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 1,251 |
| Noncurrent loans to loans | 1.5114% | 828 |
| Net loans and leases to total assets | 47.9714% | 3,825 |
| Net loans and leases to deposits | 53.2119% | 3,987 |
| Net loans and leases to core deposits | 57.8441% | 3,846 |
| Total domestic deposits to total assets | 90.1517% | 750 |
| Equity capital to assets | 9.4460% | 3,247 |
| Core capital (leverage) ratio | 9.4488% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1349% | 1,049 |
| Memoranda: | ||
| Average total assets | $765,899,000 | 1,191 |
| Average earning assets | $730,770,000 | 1,168 |
| Average equity | $76,785,500 | 1,253 |
| Average total loans | $389,174,500 | 1,451 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 1,980 |
| Cost of funding earning assets | 0.4387% | 3,355 |
| Net interest margin | 3.8215% | 1,441 |
| Noninterest income to average assets | 0.7400% | 1,721 |
| Noninterest expense to average assets | 2.5556% | 2,681 |
| Loan and lease loss provision to assets | 0.1974% | 1,976 |
| Net operating income to assets | 1.6268% | 608 |
| Return on assets (ROA) | 1.6268% | 655 |
| Pretax return on assets | 1.6268% | 1,012 |
| Return on Equity (ROE) | 14.9409% | 652 |
| Retained earnings to average equity (ytd only) | 6.4977% | 1,593 |
| Net charge-offs to loans | 0.0493% | 2,089 |
| Credit loss provision to net charge-offs | 700.0000% | 993 |
| Earnings coverage of net charge-offs (x) | 64.6789% | 1,032 |
| Efficiency ratio | 58.3494% | 3,677 |
| Assets per employee ($millions) | 5.7043% | 2,623 |
| Cash dividends to net income (ytd only)* | 56.5106% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 1,083 |
| Loan loss allowance to noncurrent loans | 107.8864% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.8249% | 1,236 |
| Noncurrent loans to loans | 1.5570% | 850 |
| Net loans and leases to total assets | 52.0913% | 3,651 |
| Net loans and leases to deposits | 58.9811% | 3,829 |
| Net loans and leases to core deposits | 64.2181% | 3,675 |
| Total domestic deposits to total assets | 88.3188% | 1,318 |
| Equity capital to assets | 10.6619% | 2,552 |
| Core capital (leverage) ratio | 10.0611% | 2,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3337% | 993 |
| Memoranda: | ||
| Average total assets | $673,653,800 | 1,211 |
| Average earning assets | $641,628,200 | 1,189 |
| Average equity | $73,349,200 | 1,244 |
| Average total loans | $385,186,600 | 1,409 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3807% | 1,897 |
| Cost of funding earning assets | 0.4878% | 3,306 |
| Net interest margin | 3.8929% | 1,368 |
| Noninterest income to average assets | 0.7454% | 1,663 |
| Noninterest expense to average assets | 2.6232% | 2,470 |
| Loan and lease loss provision to assets | 0.1779% | 2,208 |
| Net operating income to assets | 1.6565% | 637 |
| Return on assets (ROA) | 1.6565% | 709 |
| Pretax return on assets | 1.6565% | 1,054 |
| Return on Equity (ROE) | 15.1265% | 672 |
| Retained earnings to average equity (ytd only) | 10.7385% | 623 |
| Net charge-offs to loans | 0.0648% | 1,687 |
| Credit loss provision to net charge-offs | 470.5882% | 1,334 |
| Earnings coverage of net charge-offs (x) | 48.5241% | 1,214 |
| Efficiency ratio | 58.8481% | 3,547 |
| Assets per employee ($millions) | 5.2242% | 2,989 |
| Cash dividends to net income (ytd only)* | 29.0090% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 1,309 |
| Loan loss allowance to noncurrent loans | 247.8902% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 2,720 |
| Noncurrent loans to loans | 0.6163% | 2,260 |
| Net loans and leases to total assets | 56.9877% | 3,524 |
| Net loans and leases to deposits | 64.8180% | 3,724 |
| Net loans and leases to core deposits | 70.5795% | 3,586 |
| Total domestic deposits to total assets | 87.9195% | 1,252 |
| Equity capital to assets | 11.4494% | 2,054 |
| Core capital (leverage) ratio | 10.4261% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7391% | 947 |
| Memoranda: | ||
| Average total assets | $659,528,750 | 1,218 |
| Average earning assets | $628,924,250 | 1,197 |
| Average equity | $72,224,500 | 1,245 |
| Average total loans | $384,772,000 | 1,401 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4768% | 1,987 |
| Cost of funding earning assets | 0.5450% | 3,267 |
| Net interest margin | 3.9318% | 1,490 |
| Noninterest income to average assets | 0.7321% | 1,634 |
| Noninterest expense to average assets | 2.7179% | 2,328 |
| Loan and lease loss provision to assets | 0.1474% | 2,537 |
| Net operating income to assets | 1.6089% | 748 |
| Return on assets (ROA) | 1.6089% | 818 |
| Pretax return on assets | 1.6089% | 1,203 |
| Return on Equity (ROE) | 14.9300% | 720 |
| Retained earnings to average equity (ytd only) | 13.3570% | 322 |
| Net charge-offs to loans | 0.1008% | 1,265 |
| Credit loss provision to net charge-offs | 250.0000% | 1,750 |
| Earnings coverage of net charge-offs (x) | 29.7865% | 1,441 |
| Efficiency ratio | 60.7454% | 3,313 |
| Assets per employee ($millions) | 5.4868% | 2,651 |
| Cash dividends to net income (ytd only)* | 10.5364% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 1,389 |
| Loan loss allowance to noncurrent loans | 292.3874% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 3,210 |
| Noncurrent loans to loans | 0.4973% | 2,661 |
| Net loans and leases to total assets | 54.9128% | 3,796 |
| Net loans and leases to deposits | 62.0811% | 4,000 |
| Net loans and leases to core deposits | 67.4507% | 3,891 |
| Total domestic deposits to total assets | 88.4534% | 964 |
| Equity capital to assets | 10.9473% | 2,391 |
| Core capital (leverage) ratio | 10.4829% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5489% | 967 |
| Memoranda: | ||
| Average total assets | $651,248,667 | 1,209 |
| Average earning assets | $619,821,333 | 1,192 |
| Average equity | $70,180,667 | 1,266 |
| Average total loans | $381,010,333 | 1,393 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6862% | 1,752 |
| Cost of funding earning assets | 0.6460% | 3,185 |
| Net interest margin | 4.0402% | 1,287 |
| Noninterest income to average assets | 0.7631% | 1,423 |
| Noninterest expense to average assets | 2.6401% | 2,856 |
| Loan and lease loss provision to assets | 0.1146% | 2,253 |
| Net operating income to assets | 1.8458% | 375 |
| Return on assets (ROA) | 1.8458% | 417 |
| Pretax return on assets | 1.8458% | 635 |
| Return on Equity (ROE) | 17.2802% | 308 |
| Retained earnings to average equity (ytd only) | 13.9910% | 250 |
| Net charge-offs to loans | 0.1166% | 1,007 |
| Credit loss provision to net charge-offs | 163.6364% | 1,540 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,221 |
| Efficiency ratio | 57.3879% | 4,074 |
| Assets per employee ($millions) | 5.0789% | 2,559 |
| Cash dividends to net income (ytd only)* | 19.0345% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 1,538 |
| Loan loss allowance to noncurrent loans | 282.2153% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 3,233 |
| Noncurrent loans to loans | 0.5118% | 2,735 |
| Net loans and leases to total assets | 58.3324% | 3,644 |
| Net loans and leases to deposits | 65.5546% | 3,892 |
| Net loans and leases to core deposits | 71.1423% | 3,809 |
| Total domestic deposits to total assets | 88.9830% | 672 |
| Equity capital to assets | 10.4430% | 3,372 |
| Core capital (leverage) ratio | 10.7529% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0708% | 1,139 |
| Memoranda: | ||
| Average total assets | $628,459,000 | 1,218 |
| Average earning assets | $596,907,000 | 1,193 |
| Average equity | $67,129,000 | 1,311 |
| Average total loans | $377,368,500 | 1,363 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7436% | 2,206 |
| Cost of funding earning assets | 0.7100% | 3,120 |
| Net interest margin | 4.0336% | 1,735 |
| Noninterest income to average assets | 0.8120% | 1,420 |
| Noninterest expense to average assets | 2.7168% | 2,840 |
| Loan and lease loss provision to assets | 0.0999% | 2,058 |
| Net operating income to assets | 1.8245% | 502 |
| Return on assets (ROA) | 1.8247% | 524 |
| Pretax return on assets | 1.8247% | 881 |
| Return on Equity (ROE) | 17.1665% | 401 |
| Retained earnings to average equity (ytd only) | 7.1307% | 1,340 |
| Net charge-offs to loans | 0.0430% | 2,531 |
| Credit loss provision to net charge-offs | 389.6104% | 723 |
| Earnings coverage of net charge-offs (x) | 75.0649% | 837 |
| Efficiency ratio | 58.5366% | 3,908 |
| Assets per employee ($millions) | 5.0166% | 2,574 |
| Cash dividends to net income (ytd only)* | 58.4618% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 1,477 |
| Loan loss allowance to noncurrent loans | 331.7647% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2680% | 3,354 |
| Noncurrent loans to loans | 0.4261% | 2,921 |
| Net loans and leases to total assets | 60.0624% | 3,577 |
| Net loans and leases to deposits | 68.4142% | 3,786 |
| Net loans and leases to core deposits | 74.4695% | 3,683 |
| Total domestic deposits to total assets | 87.7922% | 1,233 |
| Equity capital to assets | 10.9249% | 3,076 |
| Core capital (leverage) ratio | 10.7199% | 2,747 |
| Tier 1 risk-based capital ratio | 16.2479% | 2,315 |
| Total risk-based capital ratio | 17.4993% | 2,259 |
| Memoranda: | ||
| Average total assets | $600,705,800 | 1,223 |
| Average earning assets | $570,266,800 | 1,201 |
| Average equity | $63,851,000 | 1,319 |
| Average total loans | $358,463,400 | 1,388 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 2,281 |
| Cost of funding earning assets | 0.7366% | 3,031 |
| Net interest margin | 4.0105% | 1,902 |
| Noninterest income to average assets | 0.8031% | 1,410 |
| Noninterest expense to average assets | 2.6963% | 2,876 |
| Loan and lease loss provision to assets | 0.1008% | 1,906 |
| Net operating income to assets | 1.8128% | 597 |
| Return on assets (ROA) | 1.8131% | 631 |
| Pretax return on assets | 1.8131% | 1,054 |
| Return on Equity (ROE) | 17.1820% | 461 |
| Retained earnings to average equity (ytd only) | 11.6280% | 429 |
| Net charge-offs to loans | 0.0351% | 2,378 |
| Credit loss provision to net charge-offs | 483.8710% | 648 |
| Earnings coverage of net charge-offs (x) | 91.8794% | 794 |
| Efficiency ratio | 58.4892% | 3,865 |
| Assets per employee ($millions) | 4.8257% | 2,762 |
| Cash dividends to net income (ytd only)* | 32.3246% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 1,406 |
| Loan loss allowance to noncurrent loans | 351.0326% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 3,545 |
| Noncurrent loans to loans | 0.4121% | 3,072 |
| Net loans and leases to total assets | 59.0345% | 3,768 |
| Net loans and leases to deposits | 67.1246% | 3,987 |
| Net loans and leases to core deposits | 73.4627% | 3,860 |
| Total domestic deposits to total assets | 87.9476% | 1,056 |
| Equity capital to assets | 11.2625% | 2,869 |
| Core capital (leverage) ratio | 10.9858% | 2,653 |
| Tier 1 risk-based capital ratio | 17.2192% | 2,021 |
| Total risk-based capital ratio | 18.4708% | 1,976 |
| Memoranda: | ||
| Average total assets | $595,368,500 | 1,236 |
| Average earning assets | $565,136,000 | 1,211 |
| Average equity | $62,824,000 | 1,326 |
| Average total loans | $353,334,500 | 1,415 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 2,346 |
| Cost of funding earning assets | 0.7484% | 2,902 |
| Net interest margin | 3.9565% | 2,073 |
| Noninterest income to average assets | 0.7768% | 1,422 |
| Noninterest expense to average assets | 2.7374% | 2,791 |
| Loan and lease loss provision to assets | 0.1015% | 1,844 |
| Net operating income to assets | 1.6923% | 735 |
| Return on assets (ROA) | 1.6923% | 763 |
| Pretax return on assets | 1.6923% | 1,285 |
| Return on Equity (ROE) | 16.4165% | 531 |
| Retained earnings to average equity (ytd only) | 10.6960% | 604 |
| Net charge-offs to loans | 0.0417% | 2,063 |
| Credit loss provision to net charge-offs | 410.9589% | 698 |
| Earnings coverage of net charge-offs (x) | 72.6301% | 873 |
| Efficiency ratio | 60.4122% | 3,665 |
| Assets per employee ($millions) | 4.8124% | 2,727 |
| Cash dividends to net income (ytd only)* | 34.8461% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 1,445 |
| Loan loss allowance to noncurrent loans | 265.9079% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 3,258 |
| Noncurrent loans to loans | 0.5432% | 2,642 |
| Net loans and leases to total assets | 57.8432% | 3,932 |
| Net loans and leases to deposits | 65.2985% | 4,142 |
| Net loans and leases to core deposits | 71.3329% | 4,044 |
| Total domestic deposits to total assets | 88.5827% | 840 |
| Equity capital to assets | 10.7232% | 3,325 |
| Core capital (leverage) ratio | 10.6347% | 2,952 |
| Tier 1 risk-based capital ratio | 16.7540% | 2,159 |
| Total risk-based capital ratio | 18.0053% | 2,102 |
| Memoranda: | ||
| Average total assets | $591,146,000 | 1,242 |
| Average earning assets | $560,952,000 | 1,220 |
| Average equity | $60,938,670 | 1,359 |
| Average total loans | $349,706,000 | 1,441 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6896% | 2,261 |
| Cost of funding earning assets | 0.7386% | 2,845 |
| Net interest margin | 3.9510% | 2,016 |
| Noninterest income to average assets | 0.7643% | 1,383 |
| Noninterest expense to average assets | 2.6610% | 3,027 |
| Loan and lease loss provision to assets | 0.1028% | 1,713 |
| Net operating income to assets | 1.7404% | 673 |
| Return on assets (ROA) | 1.7404% | 696 |
| Pretax return on assets | 1.7404% | 1,115 |
| Return on Equity (ROE) | 17.2435% | 464 |
| Retained earnings to average equity (ytd only) | 14.1874% | 340 |
| Net charge-offs to loans | 0.0219% | 2,014 |
| Credit loss provision to net charge-offs | 789.4737% | 448 |
| Earnings coverage of net charge-offs (x) | 141.5263% | 526 |
| Efficiency ratio | 59.0778% | 3,939 |
| Assets per employee ($millions) | 4.8633% | 2,686 |
| Cash dividends to net income (ytd only)* | 17.7235% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 1,559 |
| Loan loss allowance to noncurrent loans | 251.5212% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 3,262 |
| Noncurrent loans to loans | 0.5696% | 2,624 |
| Net loans and leases to total assets | 58.0044% | 3,890 |
| Net loans and leases to deposits | 65.0460% | 4,119 |
| Net loans and leases to core deposits | 70.5785% | 4,049 |
| Total domestic deposits to total assets | 89.1745% | 780 |
| Equity capital to assets | 10.1742% | 3,653 |
| Core capital (leverage) ratio | 10.6460% | 2,899 |
| Tier 1 risk-based capital ratio | 16.7962% | 2,172 |
| Total risk-based capital ratio | 18.0474% | 2,125 |
| Memoranda: | ||
| Average total assets | $583,539,000 | 1,253 |
| Average earning assets | $552,371,500 | 1,236 |
| Average equity | $58,897,500 | 1,392 |
| Average total loans | $346,620,000 | 1,456 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5309% | 2,367 |
| Cost of funding earning assets | 0.5166% | 3,248 |
| Net interest margin | 4.0143% | 1,940 |
| Noninterest income to average assets | 0.8695% | 1,266 |
| Noninterest expense to average assets | 2.6819% | 3,088 |
| Loan and lease loss provision to assets | 0.0636% | 2,890 |
| Net operating income to assets | 1.9200% | 421 |
| Return on assets (ROA) | 1.9204% | 417 |
| Pretax return on assets | 1.9204% | 678 |
| Return on Equity (ROE) | 19.4487% | 288 |
| Retained earnings to average equity (ytd only) | 7.6442% | 1,399 |
| Net charge-offs to loans | 0.0385% | 2,625 |
| Credit loss provision to net charge-offs | 283.4646% | 1,071 |
| Earnings coverage of net charge-offs (x) | 88.4016% | 805 |
| Efficiency ratio | 57.4831% | 4,221 |
| Assets per employee ($millions) | 4.7016% | 2,875 |
| Cash dividends to net income (ytd only)* | 60.6956% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 1,490 |
| Loan loss allowance to noncurrent loans | 292.5551% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 3,395 |
| Noncurrent loans to loans | 0.4921% | 2,798 |
| Net loans and leases to total assets | 59.1168% | 3,859 |
| Net loans and leases to deposits | 66.6848% | 4,067 |
| Net loans and leases to core deposits | 71.9324% | 3,992 |
| Total domestic deposits to total assets | 88.6510% | 1,003 |
| Equity capital to assets | 10.0079% | 3,678 |
| Core capital (leverage) ratio | 10.5589% | 2,958 |
| Tier 1 risk-based capital ratio | 16.6540% | 2,185 |
| Total risk-based capital ratio | 17.9053% | 2,132 |
| Memoranda: | ||
| Average total assets | $565,981,400 | 1,257 |
| Average earning assets | $535,215,400 | 1,238 |
| Average equity | $55,885,600 | 1,400 |
| Average total loans | $329,897,000 | 1,481 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 2,429 |
| Cost of funding earning assets | 0.4848% | 3,296 |
| Net interest margin | 3.9770% | 2,021 |
| Noninterest income to average assets | 0.8659% | 1,295 |
| Noninterest expense to average assets | 2.5817% | 3,338 |
| Loan and lease loss provision to assets | 0.0708% | 2,549 |
| Net operating income to assets | 1.9790% | 404 |
| Return on assets (ROA) | 1.9795% | 396 |
| Pretax return on assets | 1.9795% | 655 |
| Return on Equity (ROE) | 20.1157% | 270 |
| Retained earnings to average equity (ytd only) | 13.2890% | 330 |
| Net charge-offs to loans | 0.0314% | 2,463 |
| Credit loss provision to net charge-offs | 389.6104% | 837 |
| Earnings coverage of net charge-offs (x) | 112.8617% | 685 |
| Efficiency ratio | 55.7423% | 4,412 |
| Assets per employee ($millions) | 4.7946% | 2,725 |
| Cash dividends to net income (ytd only)* | 33.9371% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 1,493 |
| Loan loss allowance to noncurrent loans | 285.3318% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 3,471 |
| Noncurrent loans to loans | 0.5111% | 2,854 |
| Net loans and leases to total assets | 59.0512% | 3,943 |
| Net loans and leases to deposits | 68.2221% | 4,044 |
| Net loans and leases to core deposits | 73.5556% | 3,976 |
| Total domestic deposits to total assets | 86.5572% | 1,944 |
| Equity capital to assets | 10.0479% | 3,589 |
| Core capital (leverage) ratio | 10.8161% | 2,775 |
| Tier 1 risk-based capital ratio | 17.2108% | 2,015 |
| Total risk-based capital ratio | 18.4622% | 1,969 |
| Memoranda: | ||
| Average total assets | $565,254,500 | 1,258 |
| Average earning assets | $535,202,000 | 1,241 |
| Average equity | $55,623,500 | 1,409 |
| Average total loans | $327,066,000 | 1,492 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3661% | 2,521 |
| Cost of funding earning assets | 0.4475% | 3,376 |
| Net interest margin | 3.9186% | 2,146 |
| Noninterest income to average assets | 0.8587% | 1,291 |
| Noninterest expense to average assets | 2.5669% | 3,425 |
| Loan and lease loss provision to assets | 0.0847% | 2,222 |
| Net operating income to assets | 1.9154% | 450 |
| Return on assets (ROA) | 1.9154% | 448 |
| Pretax return on assets | 1.9154% | 744 |
| Return on Equity (ROE) | 19.6004% | 291 |
| Retained earnings to average equity (ytd only) | 12.0990% | 501 |
| Net charge-offs to loans | 0.0198% | 2,493 |
| Credit loss provision to net charge-offs | 750.0000% | 521 |
| Earnings coverage of net charge-offs (x) | 177.0938% | 460 |
| Efficiency ratio | 56.2056% | 4,453 |
| Assets per employee ($millions) | 4.9439% | 2,488 |
| Cash dividends to net income (ytd only)* | 38.2716% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 1,475 |
| Loan loss allowance to noncurrent loans | 237.4636% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 3,305 |
| Noncurrent loans to loans | 0.6205% | 2,558 |
| Net loans and leases to total assets | 56.9768% | 4,085 |
| Net loans and leases to deposits | 66.1023% | 4,158 |
| Net loans and leases to core deposits | 70.7749% | 4,103 |
| Total domestic deposits to total assets | 86.1949% | 2,192 |
| Equity capital to assets | 9.6959% | 3,923 |
| Core capital (leverage) ratio | 10.4850% | 3,045 |
| Tier 1 risk-based capital ratio | 16.7484% | 2,181 |
| Total risk-based capital ratio | 17.9996% | 2,123 |
| Memoranda: | ||
| Average total assets | $566,684,670 | 1,262 |
| Average earning assets | $536,269,000 | 1,246 |
| Average equity | $55,376,330 | 1,415 |
| Average total loans | $324,035,330 | 1,505 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 2,502 |
| Cost of funding earning assets | 0.3817% | 3,723 |
| Net interest margin | 3.9207% | 1,961 |
| Noninterest income to average assets | 0.8372% | 1,339 |
| Noninterest expense to average assets | 2.5366% | 3,539 |
| Loan and lease loss provision to assets | 0.0852% | 2,098 |
| Net operating income to assets | 1.9280% | 427 |
| Return on assets (ROA) | 1.9280% | 428 |
| Pretax return on assets | 1.9280% | 677 |
| Return on Equity (ROE) | 19.6518% | 269 |
| Retained earnings to average equity (ytd only) | 15.3523% | 300 |
| Net charge-offs to loans | 0.0300% | 1,898 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 118.1250% | 531 |
| Efficiency ratio | 55.7515% | 4,616 |
| Assets per employee ($millions) | 5.0215% | 2,466 |
| Cash dividends to net income (ytd only)* | 21.8785% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 1,516 |
| Loan loss allowance to noncurrent loans | 312.2956% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 3,791 |
| Noncurrent loans to loans | 0.4753% | 3,097 |
| Net loans and leases to total assets | 55.8455% | 4,133 |
| Net loans and leases to deposits | 62.1887% | 4,325 |
| Net loans and leases to core deposits | 66.8689% | 4,262 |
| Total domestic deposits to total assets | 89.8001% | 741 |
| Equity capital to assets | 9.6395% | 3,951 |
| Core capital (leverage) ratio | 10.3477% | 3,122 |
| Tier 1 risk-based capital ratio | 16.7419% | 2,197 |
| Total risk-based capital ratio | 17.9934% | 2,144 |
| Memoranda: | ||
| Average total assets | $563,281,500 | 1,275 |
| Average earning assets | $533,372,000 | 1,256 |
| Average equity | $55,262,000 | 1,420 |
| Average total loans | $320,231,000 | 1,519 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2834% | 2,386 |
| Cost of funding earning assets | 0.3410% | 3,791 |
| Net interest margin | 3.9425% | 1,946 |
| Noninterest income to average assets | 0.8948% | 1,282 |
| Noninterest expense to average assets | 2.7496% | 2,955 |
| Loan and lease loss provision to assets | 0.0727% | 2,755 |
| Net operating income to assets | 1.7918% | 427 |
| Return on assets (ROA) | 1.8082% | 418 |
| Pretax return on assets | 1.8082% | 778 |
| Return on Equity (ROE) | 17.6871% | 331 |
| Retained earnings to average equity (ytd only) | 6.4411% | 1,307 |
| Net charge-offs to loans | 0.0538% | 2,731 |
| Credit loss provision to net charge-offs | 233.5329% | 1,188 |
| Earnings coverage of net charge-offs (x) | 59.8683% | 958 |
| Efficiency ratio | 59.3606% | 4,358 |
| Assets per employee ($millions) | 4.7384% | 2,814 |
| Cash dividends to net income (ytd only)* | 63.5829% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,518 |
| Loan loss allowance to noncurrent loans | 358.5441% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 3,971 |
| Noncurrent loans to loans | 0.4093% | 3,301 |
| Net loans and leases to total assets | 56.1805% | 4,170 |
| Net loans and leases to deposits | 63.2109% | 4,367 |
| Net loans and leases to core deposits | 68.1711% | 4,280 |
| Total domestic deposits to total assets | 88.8779% | 1,057 |
| Equity capital to assets | 9.9845% | 3,726 |
| Core capital (leverage) ratio | 10.3303% | 3,041 |
| Tier 1 risk-based capital ratio | 16.5230% | 2,256 |
| Total risk-based capital ratio | 17.7744% | 2,192 |
| Memoranda: | ||
| Average total assets | $536,214,000 | 1,309 |
| Average earning assets | $505,877,400 | 1,284 |
| Average equity | $54,819,600 | 1,409 |
| Average total loans | $310,487,400 | 1,531 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 2,430 |
| Cost of funding earning assets | 0.3410% | 3,761 |
| Net interest margin | 3.9105% | 2,005 |
| Noninterest income to average assets | 0.8714% | 1,365 |
| Noninterest expense to average assets | 2.6647% | 3,188 |
| Loan and lease loss provision to assets | 0.0905% | 2,261 |
| Net operating income to assets | 1.8079% | 463 |
| Return on assets (ROA) | 1.8300% | 452 |
| Pretax return on assets | 1.8300% | 824 |
| Return on Equity (ROE) | 17.7902% | 349 |
| Retained earnings to average equity (ytd only) | 10.1669% | 552 |
| Net charge-offs to loans | 0.0527% | 2,390 |
| Credit loss provision to net charge-offs | 295.0820% | 1,008 |
| Earnings coverage of net charge-offs (x) | 61.9108% | 972 |
| Efficiency ratio | 58.0832% | 4,490 |
| Assets per employee ($millions) | 4.5140% | 3,108 |
| Cash dividends to net income (ytd only)* | 42.8513% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 1,505 |
| Loan loss allowance to noncurrent loans | 276.7689% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 3,787 |
| Noncurrent loans to loans | 0.5449% | 3,066 |
| Net loans and leases to total assets | 57.5521% | 4,104 |
| Net loans and leases to deposits | 64.9813% | 4,320 |
| Net loans and leases to core deposits | 70.7659% | 4,201 |
| Total domestic deposits to total assets | 88.5671% | 1,091 |
| Equity capital to assets | 10.8220% | 3,044 |
| Core capital (leverage) ratio | 10.7437% | 2,712 |
| Tier 1 risk-based capital ratio | 17.2771% | 2,070 |
| Total risk-based capital ratio | 18.5293% | 2,025 |
| Memoranda: | ||
| Average total assets | $530,485,500 | 1,335 |
| Average earning assets | $500,797,500 | 1,306 |
| Average equity | $54,568,000 | 1,429 |
| Average total loans | $308,409,250 | 1,538 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 2,386 |
| Cost of funding earning assets | 0.3375% | 3,721 |
| Net interest margin | 3.8857% | 1,988 |
| Noninterest income to average assets | 0.8570% | 1,399 |
| Noninterest expense to average assets | 2.6759% | 3,175 |
| Loan and lease loss provision to assets | 0.0906% | 2,169 |
| Net operating income to assets | 1.7551% | 498 |
| Return on assets (ROA) | 1.7883% | 476 |
| Pretax return on assets | 1.7883% | 866 |
| Return on Equity (ROE) | 17.6942% | 356 |
| Retained earnings to average equity (ytd only) | 9.9023% | 605 |
| Net charge-offs to loans | 0.0768% | 1,856 |
| Credit loss provision to net charge-offs | 203.3898% | 1,257 |
| Earnings coverage of net charge-offs (x) | 41.4322% | 1,221 |
| Efficiency ratio | 58.7710% | 4,497 |
| Assets per employee ($millions) | 4.5692% | 2,990 |
| Cash dividends to net income (ytd only)* | 44.0363% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 1,646 |
| Loan loss allowance to noncurrent loans | 276.9510% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 3,549 |
| Noncurrent loans to loans | 0.5346% | 3,156 |
| Net loans and leases to total assets | 56.9806% | 4,123 |
| Net loans and leases to deposits | 64.0180% | 4,364 |
| Net loans and leases to core deposits | 69.7136% | 4,244 |
| Total domestic deposits to total assets | 89.0071% | 950 |
| Equity capital to assets | 10.5388% | 3,287 |
| Core capital (leverage) ratio | 10.5052% | 2,909 |
| Tier 1 risk-based capital ratio | 17.2120% | 2,095 |
| Total risk-based capital ratio | 18.4640% | 2,042 |
| Memoranda: | ||
| Average total assets | $529,764,670 | 1,344 |
| Average earning assets | $499,628,330 | 1,317 |
| Average equity | $53,543,000 | 1,451 |
| Average total loans | $307,464,330 | 1,544 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 2,272 |
| Cost of funding earning assets | 0.3226% | 3,823 |
| Net interest margin | 3.8801% | 1,853 |
| Noninterest income to average assets | 0.8397% | 1,433 |
| Noninterest expense to average assets | 2.6093% | 3,463 |
| Loan and lease loss provision to assets | 0.0910% | 2,022 |
| Net operating income to assets | 1.7977% | 448 |
| Return on assets (ROA) | 1.7977% | 462 |
| Pretax return on assets | 1.7977% | 810 |
| Return on Equity (ROE) | 18.1802% | 328 |
| Retained earnings to average equity (ytd only) | 14.0533% | 293 |
| Net charge-offs to loans | 0.0483% | 1,887 |
| Credit loss provision to net charge-offs | 324.3243% | 751 |
| Earnings coverage of net charge-offs (x) | 67.2973% | 739 |
| Efficiency ratio | 57.6054% | 4,764 |
| Assets per employee ($millions) | 4.5472% | 3,092 |
| Cash dividends to net income (ytd only)* | 22.7004% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 1,777 |
| Loan loss allowance to noncurrent loans | 214.0028% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 3,603 |
| Noncurrent loans to loans | 0.6900% | 2,774 |
| Net loans and leases to total assets | 56.9209% | 4,078 |
| Net loans and leases to deposits | 63.5071% | 4,333 |
| Net loans and leases to core deposits | 69.4245% | 4,190 |
| Total domestic deposits to total assets | 89.6292% | 842 |
| Equity capital to assets | 10.0078% | 3,750 |
| Core capital (leverage) ratio | 10.4691% | 2,938 |
| Tier 1 risk-based capital ratio | 17.1911% | 2,122 |
| Total risk-based capital ratio | 18.4433% | 2,069 |
| Memoranda: | ||
| Average total assets | $527,348,000 | 1,353 |
| Average earning assets | $497,205,500 | 1,322 |
| Average equity | $52,144,500 | 1,480 |
| Average total loans | $306,599,000 | 1,551 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2337% | 2,373 |
| Cost of funding earning assets | 0.3012% | 4,051 |
| Net interest margin | 3.9325% | 1,844 |
| Noninterest income to average assets | 0.8792% | 1,481 |
| Noninterest expense to average assets | 2.7415% | 3,218 |
| Loan and lease loss provision to assets | 0.1192% | 2,075 |
| Net operating income to assets | 1.7101% | 531 |
| Return on assets (ROA) | 1.7469% | 516 |
| Pretax return on assets | 1.7469% | 898 |
| Return on Equity (ROE) | 16.4010% | 469 |
| Retained earnings to average equity (ytd only) | 6.5362% | 1,442 |
| Net charge-offs to loans | 0.0398% | 3,230 |
| Credit loss provision to net charge-offs | 517.2414% | 642 |
| Earnings coverage of net charge-offs (x) | 79.3534% | 720 |
| Efficiency ratio | 59.5565% | 4,654 |
| Assets per employee ($millions) | 4.5058% | 3,104 |
| Cash dividends to net income (ytd only)* | 60.1479% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 1,848 |
| Loan loss allowance to noncurrent loans | 153.7082% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 3,069 |
| Noncurrent loans to loans | 0.9479% | 2,190 |
| Net loans and leases to total assets | 57.6595% | 4,100 |
| Net loans and leases to deposits | 64.5642% | 4,359 |
| Net loans and leases to core deposits | 70.0755% | 4,240 |
| Total domestic deposits to total assets | 89.3057% | 952 |
| Equity capital to assets | 9.7662% | 3,993 |
| Core capital (leverage) ratio | 10.4056% | 2,983 |
| Tier 1 risk-based capital ratio | 16.7477% | 2,253 |
| Total risk-based capital ratio | 17.9993% | 2,196 |
| Memoranda: | ||
| Average total assets | $503,191,400 | 1,366 |
| Average earning assets | $472,371,600 | 1,339 |
| Average equity | $53,594,200 | 1,434 |
| Average total loans | $291,805,200 | 1,558 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 2,229 |
| Cost of funding earning assets | 0.3015% | 4,082 |
| Net interest margin | 3.9772% | 1,718 |
| Noninterest income to average assets | 0.8819% | 1,466 |
| Noninterest expense to average assets | 2.7593% | 3,151 |
| Loan and lease loss provision to assets | 0.1204% | 1,928 |
| Net operating income to assets | 1.7365% | 555 |
| Return on assets (ROA) | 1.7860% | 534 |
| Pretax return on assets | 1.7860% | 921 |
| Return on Equity (ROE) | 16.4107% | 500 |
| Retained earnings to average equity (ytd only) | 10.2447% | 529 |
| Net charge-offs to loans | 0.0259% | 3,150 |
| Credit loss provision to net charge-offs | 803.5714% | 502 |
| Earnings coverage of net charge-offs (x) | 123.9365% | 560 |
| Efficiency ratio | 59.3520% | 4,637 |
| Assets per employee ($millions) | 4.3261% | 3,373 |
| Cash dividends to net income (ytd only)* | 37.5731% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 1,893 |
| Loan loss allowance to noncurrent loans | 146.1178% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 3,100 |
| Noncurrent loans to loans | 1.0054% | 2,234 |
| Net loans and leases to total assets | 58.8593% | 4,006 |
| Net loans and leases to deposits | 66.7748% | 4,266 |
| Net loans and leases to core deposits | 72.4298% | 4,126 |
| Total domestic deposits to total assets | 88.1460% | 1,330 |
| Equity capital to assets | 11.3704% | 2,632 |
| Core capital (leverage) ratio | 10.8206% | 2,656 |
| Tier 1 risk-based capital ratio | 17.5270% | 2,066 |
| Total risk-based capital ratio | 18.7792% | 2,031 |
| Memoranda: | ||
| Average total assets | $498,321,250 | 1,389 |
| Average earning assets | $467,886,000 | 1,354 |
| Average equity | $54,231,500 | 1,424 |
| Average total loans | $288,300,000 | 1,575 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2775% | 2,225 |
| Cost of funding earning assets | 0.2979% | 4,156 |
| Net interest margin | 3.9796% | 1,704 |
| Noninterest income to average assets | 0.8640% | 1,495 |
| Noninterest expense to average assets | 2.7541% | 3,182 |
| Loan and lease loss provision to assets | 0.1203% | 1,894 |
| Net operating income to assets | 1.7240% | 554 |
| Return on assets (ROA) | 1.7240% | 583 |
| Pretax return on assets | 1.7240% | 1,037 |
| Return on Equity (ROE) | 16.0815% | 534 |
| Retained earnings to average equity (ytd only) | 9.6085% | 684 |
| Net charge-offs to loans | 0.0252% | 2,977 |
| Credit loss provision to net charge-offs | 833.3333% | 425 |
| Earnings coverage of net charge-offs (x) | 127.7222% | 468 |
| Efficiency ratio | 59.4644% | 4,717 |
| Assets per employee ($millions) | 4.3238% | 3,329 |
| Cash dividends to net income (ytd only)* | 40.2513% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 2,082 |
| Loan loss allowance to noncurrent loans | 148.1119% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 3,309 |
| Noncurrent loans to loans | 0.9763% | 2,327 |
| Net loans and leases to total assets | 57.5628% | 4,160 |
| Net loans and leases to deposits | 66.5185% | 4,305 |
| Net loans and leases to core deposits | 71.9997% | 4,180 |
| Total domestic deposits to total assets | 86.5365% | 2,149 |
| Equity capital to assets | 11.0375% | 3,022 |
| Core capital (leverage) ratio | 10.5168% | 2,958 |
| Tier 1 risk-based capital ratio | 17.0099% | 2,212 |
| Total risk-based capital ratio | 18.2617% | 2,173 |
| Memoranda: | ||
| Average total assets | $498,594,000 | 1,389 |
| Average earning assets | $467,886,000 | 1,357 |
| Average equity | $53,452,670 | 1,443 |
| Average total loans | $285,335,670 | 1,592 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2485% | 2,310 |
| Cost of funding earning assets | 0.2943% | 4,223 |
| Net interest margin | 3.9541% | 1,771 |
| Noninterest income to average assets | 0.8586% | 1,421 |
| Noninterest expense to average assets | 2.7382% | 3,284 |
| Loan and lease loss provision to assets | 0.1207% | 1,748 |
| Net operating income to assets | 1.7075% | 568 |
| Return on assets (ROA) | 1.7075% | 607 |
| Pretax return on assets | 1.7075% | 1,052 |
| Return on Equity (ROE) | 16.1679% | 518 |
| Retained earnings to average equity (ytd only) | 14.4003% | 290 |
| Net charge-offs to loans | 0.0014% | 3,069 |
| Credit loss provision to net charge-offs | 15,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 2,272.0000% | 13 |
| Efficiency ratio | 59.5419% | 4,807 |
| Assets per employee ($millions) | 4.4331% | 3,198 |
| Cash dividends to net income (ytd only)* | 10.9331% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 2,174 |
| Loan loss allowance to noncurrent loans | 116.7422% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 2,933 |
| Noncurrent loans to loans | 1.2470% | 1,939 |
| Net loans and leases to total assets | 56.1837% | 4,234 |
| Net loans and leases to deposits | 63.2472% | 4,483 |
| Net loans and leases to core deposits | 68.0988% | 4,395 |
| Total domestic deposits to total assets | 88.8319% | 1,190 |
| Equity capital to assets | 10.8189% | 3,144 |
| Core capital (leverage) ratio | 10.3921% | 3,083 |
| Tier 1 risk-based capital ratio | 17.3555% | 2,171 |
| Total risk-based capital ratio | 18.6073% | 2,142 |
| Memoranda: | ||
| Average total assets | $497,110,000 | 1,388 |
| Average earning assets | $466,144,000 | 1,364 |
| Average equity | $52,499,000 | 1,467 |
| Average total loans | $281,529,000 | 1,611 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 2,786 |
| Cost of funding earning assets | 0.2822% | 4,464 |
| Net interest margin | 3.8540% | 2,188 |
| Noninterest income to average assets | 0.8419% | 1,632 |
| Noninterest expense to average assets | 2.7535% | 3,402 |
| Loan and lease loss provision to assets | 0.0927% | 2,452 |
| Net operating income to assets | 1.6032% | 699 |
| Return on assets (ROA) | 1.6178% | 699 |
| Pretax return on assets | 1.6178% | 1,201 |
| Return on Equity (ROE) | 15.5399% | 608 |
| Retained earnings to average equity (ytd only) | 6.2599% | 1,669 |
| Net charge-offs to loans | 0.0368% | 3,484 |
| Credit loss provision to net charge-offs | 473.6842% | 658 |
| Earnings coverage of net charge-offs (x) | 86.6421% | 649 |
| Efficiency ratio | 61.4355% | 4,695 |
| Assets per employee ($millions) | 4.2540% | 3,482 |
| Cash dividends to net income (ytd only)* | 59.7173% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 2,330 |
| Loan loss allowance to noncurrent loans | 121.8031% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 3,079 |
| Noncurrent loans to loans | 1.1647% | 2,031 |
| Net loans and leases to total assets | 55.4555% | 4,342 |
| Net loans and leases to deposits | 62.4501% | 4,598 |
| Net loans and leases to core deposits | 66.5630% | 4,545 |
| Total domestic deposits to total assets | 88.7997% | 1,228 |
| Equity capital to assets | 10.3034% | 3,619 |
| Core capital (leverage) ratio | 10.0152% | 3,488 |
| Tier 1 risk-based capital ratio | 16.5758% | 2,439 |
| Total risk-based capital ratio | 17.8270% | 2,395 |
| Memoranda: | ||
| Average total assets | $485,341,000 | 1,388 |
| Average earning assets | $454,312,400 | 1,364 |
| Average equity | $50,528,000 | 1,472 |
| Average total loans | $257,989,000 | 1,681 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 2,968 |
| Cost of funding earning assets | 0.2827% | 4,530 |
| Net interest margin | 3.8117% | 2,342 |
| Noninterest income to average assets | 0.8491% | 1,624 |
| Noninterest expense to average assets | 2.7266% | 3,475 |
| Loan and lease loss provision to assets | 0.1037% | 2,129 |
| Net operating income to assets | 1.5897% | 785 |
| Return on assets (ROA) | 1.5897% | 823 |
| Pretax return on assets | 1.5897% | 1,417 |
| Return on Equity (ROE) | 15.2296% | 700 |
| Retained earnings to average equity (ytd only) | 9.5165% | 737 |
| Net charge-offs to loans | 0.0401% | 3,082 |
| Credit loss provision to net charge-offs | 493.4211% | 659 |
| Earnings coverage of net charge-offs (x) | 80.5927% | 741 |
| Efficiency ratio | 61.2310% | 4,684 |
| Assets per employee ($millions) | 4.2618% | 3,396 |
| Cash dividends to net income (ytd only)* | 37.5130% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 2,412 |
| Loan loss allowance to noncurrent loans | 104.8741% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 2,995 |
| Noncurrent loans to loans | 1.3726% | 1,866 |
| Net loans and leases to total assets | 54.7078% | 4,492 |
| Net loans and leases to deposits | 62.1949% | 4,706 |
| Net loans and leases to core deposits | 66.9344% | 4,626 |
| Total domestic deposits to total assets | 87.9619% | 1,584 |
| Equity capital to assets | 10.5735% | 3,515 |
| Core capital (leverage) ratio | 10.1918% | 3,384 |
| Tier 1 risk-based capital ratio | 17.0752% | 2,349 |
| Total risk-based capital ratio | 18.3262% | 2,297 |
| Memoranda: | ||
| Average total assets | $482,246,750 | 1,402 |
| Average earning assets | $451,792,500 | 1,378 |
| Average equity | $50,339,500 | 1,484 |
| Average total loans | $252,490,250 | 1,718 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0498% | 3,075 |
| Cost of funding earning assets | 0.2826% | 4,582 |
| Net interest margin | 3.7672% | 2,448 |
| Noninterest income to average assets | 0.8090% | 1,738 |
| Noninterest expense to average assets | 2.7280% | 3,498 |
| Loan and lease loss provision to assets | 0.1251% | 1,768 |
| Net operating income to assets | 1.4807% | 931 |
| Return on assets (ROA) | 1.4807% | 979 |
| Pretax return on assets | 1.4807% | 1,703 |
| Return on Equity (ROE) | 14.2481% | 853 |
| Retained earnings to average equity (ytd only) | 8.5906% | 1,045 |
| Net charge-offs to loans | 0.0382% | 2,915 |
| Credit loss provision to net charge-offs | 638.2979% | 524 |
| Earnings coverage of net charge-offs (x) | 81.9362% | 692 |
| Efficiency ratio | 62.4747% | 4,604 |
| Assets per employee ($millions) | 4.0370% | 3,807 |
| Cash dividends to net income (ytd only)* | 39.7071% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 2,140 |
| Loan loss allowance to noncurrent loans | 104.7361% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 3,025 |
| Noncurrent loans to loans | 1.4653% | 1,808 |
| Net loans and leases to total assets | 52.1235% | 4,741 |
| Net loans and leases to deposits | 58.7049% | 4,947 |
| Net loans and leases to core deposits | 63.2739% | 4,860 |
| Total domestic deposits to total assets | 88.7889% | 1,252 |
| Equity capital to assets | 10.5246% | 3,414 |
| Core capital (leverage) ratio | 10.1345% | 3,423 |
| Tier 1 risk-based capital ratio | 17.3713% | 2,260 |
| Total risk-based capital ratio | 18.6232% | 2,217 |
| Memoranda: | ||
| Average total assets | $479,625,330 | 1,422 |
| Average earning assets | $448,766,000 | 1,397 |
| Average equity | $49,845,330 | 1,505 |
| Average total loans | $245,972,000 | 1,774 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 3,192 |
| Cost of funding earning assets | 0.2808% | 4,662 |
| Net interest margin | 3.7304% | 2,512 |
| Noninterest income to average assets | 0.7697% | 1,827 |
| Noninterest expense to average assets | 2.6506% | 3,748 |
| Loan and lease loss provision to assets | 0.1247% | 1,667 |
| Net operating income to assets | 1.4836% | 871 |
| Return on assets (ROA) | 1.4836% | 928 |
| Pretax return on assets | 1.4836% | 1,615 |
| Return on Equity (ROE) | 14.3662% | 812 |
| Retained earnings to average equity (ytd only) | 12.5312% | 499 |
| Net charge-offs to loans | 0.0395% | 2,430 |
| Credit loss provision to net charge-offs | 625.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 80.6250% | 589 |
| Efficiency ratio | 61.7681% | 4,832 |
| Assets per employee ($millions) | 4.2475% | 3,471 |
| Cash dividends to net income (ytd only)* | 12.7731% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 2,327 |
| Loan loss allowance to noncurrent loans | 120.0064% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6611% | 3,507 |
| Noncurrent loans to loans | 1.2750% | 2,246 |
| Net loans and leases to total assets | 50.1891% | 4,828 |
| Net loans and leases to deposits | 56.3146% | 5,028 |
| Net loans and leases to core deposits | 60.0708% | 4,990 |
| Total domestic deposits to total assets | 89.1227% | 1,185 |
| Equity capital to assets | 10.5493% | 3,479 |
| Core capital (leverage) ratio | 9.9841% | 3,621 |
| Tier 1 risk-based capital ratio | 17.4972% | 2,300 |
| Total risk-based capital ratio | 18.7485% | 2,259 |
| Memoranda: | ||
| Average total assets | $481,253,500 | 1,420 |
| Average earning assets | $450,141,500 | 1,394 |
| Average equity | $49,700,000 | 1,511 |
| Average total loans | $242,873,000 | 1,788 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1247% | 3,225 |
| Cost of funding earning assets | 0.2999% | 4,799 |
| Net interest margin | 3.8248% | 2,531 |
| Noninterest income to average assets | 0.8925% | 1,522 |
| Noninterest expense to average assets | 2.8274% | 3,388 |
| Loan and lease loss provision to assets | 0.0272% | 4,063 |
| Net operating income to assets | 1.5902% | 721 |
| Return on assets (ROA) | 1.5902% | 758 |
| Pretax return on assets | 1.5902% | 1,266 |
| Return on Equity (ROE) | 15.1440% | 757 |
| Retained earnings to average equity (ytd only) | 6.1388% | 1,838 |
| Net charge-offs to loans | 0.0795% | 3,355 |
| Credit loss provision to net charge-offs | 68.1818% | 3,114 |
| Earnings coverage of net charge-offs (x) | 40.5455% | 1,073 |
| Efficiency ratio | 63.1176% | 4,739 |
| Assets per employee ($millions) | 4.2702% | 3,419 |
| Cash dividends to net income (ytd only)* | 59.4641% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 2,473 |
| Loan loss allowance to noncurrent loans | 116.0783% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 3,558 |
| Noncurrent loans to loans | 1.2924% | 2,291 |
| Net loans and leases to total assets | 49.2177% | 5,043 |
| Net loans and leases to deposits | 55.2655% | 5,231 |
| Net loans and leases to core deposits | 58.8581% | 5,209 |
| Total domestic deposits to total assets | 89.0567% | 1,211 |
| Equity capital to assets | 10.1062% | 3,977 |
| Core capital (leverage) ratio | 9.9724% | 3,610 |
| Tier 1 risk-based capital ratio | 18.0631% | 2,114 |
| Total risk-based capital ratio | 19.3146% | 2,084 |
| Memoranda: | ||
| Average total assets | $441,214,000 | 1,509 |
| Average earning assets | $409,773,000 | 1,496 |
| Average equity | $46,328,600 | 1,548 |
| Average total loans | $221,342,600 | 1,895 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 3,196 |
| Cost of funding earning assets | 0.3041% | 4,852 |
| Net interest margin | 3.8392% | 2,481 |
| Noninterest income to average assets | 0.9249% | 1,438 |
| Noninterest expense to average assets | 2.8276% | 3,360 |
| Loan and lease loss provision to assets | 0.0186% | 4,036 |
| Net operating income to assets | 1.6381% | 687 |
| Return on assets (ROA) | 1.6381% | 713 |
| Pretax return on assets | 1.6381% | 1,214 |
| Return on Equity (ROE) | 15.4388% | 753 |
| Retained earnings to average equity (ytd only) | 9.9124% | 735 |
| Net charge-offs to loans | 0.0789% | 3,074 |
| Credit loss provision to net charge-offs | 46.8750% | 3,158 |
| Earnings coverage of net charge-offs (x) | 41.8287% | 1,094 |
| Efficiency ratio | 62.5518% | 4,804 |
| Assets per employee ($millions) | 3.9943% | 3,895 |
| Cash dividends to net income (ytd only)* | 35.7952% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 2,444 |
| Loan loss allowance to noncurrent loans | 122.0379% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6813% | 3,784 |
| Noncurrent loans to loans | 1.2804% | 2,498 |
| Net loans and leases to total assets | 50.3149% | 4,970 |
| Net loans and leases to deposits | 56.6237% | 5,194 |
| Net loans and leases to core deposits | 60.8755% | 5,126 |
| Total domestic deposits to total assets | 88.8584% | 1,329 |
| Equity capital to assets | 10.7157% | 3,275 |
| Core capital (leverage) ratio | 10.5100% | 3,030 |
| Tier 1 risk-based capital ratio | 18.9882% | 1,907 |
| Total risk-based capital ratio | 20.2372% | 1,877 |
| Memoranda: | ||
| Average total assets | $430,884,000 | 1,553 |
| Average earning assets | $399,486,500 | 1,542 |
| Average equity | $45,719,250 | 1,575 |
| Average total loans | $216,401,000 | 1,942 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 3,183 |
| Cost of funding earning assets | 0.3029% | 4,944 |
| Net interest margin | 3.8391% | 2,416 |
| Noninterest income to average assets | 0.9178% | 1,437 |
| Noninterest expense to average assets | 2.8265% | 3,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6417% | 648 |
| Return on assets (ROA) | 1.6417% | 680 |
| Pretax return on assets | 1.6417% | 1,159 |
| Return on Equity (ROE) | 15.5274% | 707 |
| Retained earnings to average equity (ytd only) | 9.1532% | 936 |
| Net charge-offs to loans | 0.0699% | 3,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 47.0405% | 952 |
| Efficiency ratio | 62.7401% | 4,903 |
| Assets per employee ($millions) | 3.7862% | 4,284 |
| Cash dividends to net income (ytd only)* | 41.0514% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 2,272 |
| Loan loss allowance to noncurrent loans | 103.2712% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.9459% | 3,172 |
| Noncurrent loans to loans | 1.6031% | 2,165 |
| Net loans and leases to total assets | 49.9701% | 4,966 |
| Net loans and leases to deposits | 56.4416% | 5,160 |
| Net loans and leases to core deposits | 60.7379% | 5,078 |
| Total domestic deposits to total assets | 88.5342% | 1,617 |
| Equity capital to assets | 11.0288% | 2,844 |
| Core capital (leverage) ratio | 10.7080% | 2,714 |
| Tier 1 risk-based capital ratio | 19.4054% | 1,822 |
| Total risk-based capital ratio | 20.6591% | 1,787 |
| Memoranda: | ||
| Average total assets | $424,060,330 | 1,573 |
| Average earning assets | $392,177,670 | 1,567 |
| Average equity | $44,837,000 | 1,593 |
| Average total loans | $211,633,330 | 1,970 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 3,432 |
| Cost of funding earning assets | 0.3047% | 5,016 |
| Net interest margin | 3.7570% | 2,652 |
| Noninterest income to average assets | 0.9039% | 1,380 |
| Noninterest expense to average assets | 2.7960% | 3,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5776% | 689 |
| Return on assets (ROA) | 1.5776% | 719 |
| Pretax return on assets | 1.5776% | 1,218 |
| Return on Equity (ROE) | 15.2532% | 744 |
| Retained earnings to average equity (ytd only) | 11.8086% | 632 |
| Net charge-offs to loans | 0.0077% | 3,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 416.2500% | 109 |
| Efficiency ratio | 63.4099% | 4,951 |
| Assets per employee ($millions) | 3.7294% | 4,466 |
| Cash dividends to net income (ytd only)* | 22.5826% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7480% | 2,201 |
| Loan loss allowance to noncurrent loans | 110.9800% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.9010% | 3,485 |
| Noncurrent loans to loans | 1.5750% | 2,453 |
| Net loans and leases to total assets | 48.9372% | 5,011 |
| Net loans and leases to deposits | 54.9789% | 5,201 |
| Net loans and leases to core deposits | 59.3444% | 5,102 |
| Total domestic deposits to total assets | 89.0108% | 1,655 |
| Equity capital to assets | 10.5832% | 3,163 |
| Core capital (leverage) ratio | 10.6188% | 2,785 |
| Tier 1 risk-based capital ratio | 19.7531% | 1,780 |
| Total risk-based capital ratio | 21.0077% | 1,747 |
| Memoranda: | ||
| Average total assets | $422,172,500 | 1,587 |
| Average earning assets | $389,882,000 | 1,584 |
| Average equity | $43,663,000 | 1,627 |
| Average total loans | $208,755,500 | 1,983 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0242% | 4,006 |
| Cost of funding earning assets | 0.3214% | 5,411 |
| Net interest margin | 3.7028% | 3,041 |
| Noninterest income to average assets | 1.0013% | 1,392 |
| Noninterest expense to average assets | 2.9366% | 3,245 |
| Loan and lease loss provision to assets | 0.0614% | 3,914 |
| Net operating income to assets | 1.4137% | 998 |
| Return on assets (ROA) | 1.4137% | 1,034 |
| Pretax return on assets | 1.4194% | 1,719 |
| Return on Equity (ROE) | 13.0470% | 1,159 |
| Retained earnings to average equity (ytd only) | 4.8649% | 2,688 |
| Net charge-offs to loans | 0.0922% | 3,924 |
| Credit loss provision to net charge-offs | 128.2723% | 1,833 |
| Earnings coverage of net charge-offs (x) | 30.9319% | 1,153 |
| Efficiency ratio | 65.9271% | 4,575 |
| Assets per employee ($millions) | 3.7427% | 4,380 |
| Cash dividends to net income (ytd only)* | 62.7128% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 2,165 |
| Loan loss allowance to noncurrent loans | 92.4490% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.9657% | 3,486 |
| Noncurrent loans to loans | 1.9137% | 2,105 |
| Net loans and leases to total assets | 48.2208% | 5,273 |
| Net loans and leases to deposits | 54.2115% | 5,450 |
| Net loans and leases to core deposits | 58.2942% | 5,369 |
| Total domestic deposits to total assets | 88.9495% | 1,663 |
| Equity capital to assets | 10.1025% | 3,635 |
| Core capital (leverage) ratio | 10.5854% | 2,796 |
| Tier 1 risk-based capital ratio | 19.4239% | 1,812 |
| Total risk-based capital ratio | 20.6790% | 1,771 |
| Memoranda: | ||
| Average total assets | $398,964,200 | 1,655 |
| Average earning assets | $368,073,600 | 1,642 |
| Average equity | $43,228,200 | 1,619 |
| Average total loans | $207,097,000 | 1,949 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 4,066 |
| Cost of funding earning assets | 0.3271% | 5,492 |
| Net interest margin | 3.6893% | 3,068 |
| Noninterest income to average assets | 1.0138% | 1,416 |
| Noninterest expense to average assets | 2.9989% | 2,999 |
| Loan and lease loss provision to assets | 0.0831% | 3,406 |
| Net operating income to assets | 1.3293% | 1,269 |
| Return on assets (ROA) | 1.3293% | 1,327 |
| Pretax return on assets | 1.3371% | 2,183 |
| Return on Equity (ROE) | 12.0494% | 1,461 |
| Retained earnings to average equity (ytd only) | 7.5962% | 1,591 |
| Net charge-offs to loans | 0.0915% | 3,650 |
| Credit loss provision to net charge-offs | 172.5352% | 1,382 |
| Earnings coverage of net charge-offs (x) | 29.4786% | 1,249 |
| Efficiency ratio | 67.3013% | 4,232 |
| Assets per employee ($millions) | 3.4977% | 4,854 |
| Cash dividends to net income (ytd only)* | 36.9577% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8085% | 2,277 |
| Loan loss allowance to noncurrent loans | 95.7797% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0384% | 3,577 |
| Noncurrent loans to loans | 1.8882% | 2,385 |
| Net loans and leases to total assets | 51.5854% | 4,935 |
| Net loans and leases to deposits | 58.4786% | 5,142 |
| Net loans and leases to core deposits | 63.2903% | 4,981 |
| Total domestic deposits to total assets | 88.2124% | 1,992 |
| Equity capital to assets | 10.9935% | 2,763 |
| Core capital (leverage) ratio | 11.1950% | 2,311 |
| Tier 1 risk-based capital ratio | 20.1841% | 1,691 |
| Total risk-based capital ratio | 21.4403% | 1,664 |
| Memoranda: | ||
| Average total assets | $392,974,500 | 1,688 |
| Average earning assets | $362,730,250 | 1,670 |
| Average equity | $43,353,750 | 1,626 |
| Average total loans | $206,968,750 | 1,957 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 4,023 |
| Cost of funding earning assets | 0.3343% | 5,531 |
| Net interest margin | 3.6897% | 2,995 |
| Noninterest income to average assets | 0.9614% | 1,625 |
| Noninterest expense to average assets | 3.0571% | 2,805 |
| Loan and lease loss provision to assets | 0.1068% | 3,013 |
| Net operating income to assets | 1.1917% | 1,610 |
| Return on assets (ROA) | 1.1917% | 1,723 |
| Pretax return on assets | 1.2034% | 2,660 |
| Return on Equity (ROE) | 10.7895% | 1,887 |
| Retained earnings to average equity (ytd only) | 6.0760% | 2,385 |
| Net charge-offs to loans | 0.0588% | 3,860 |
| Credit loss provision to net charge-offs | 344.2623% | 758 |
| Earnings coverage of net charge-offs (x) | 42.2459% | 895 |
| Efficiency ratio | 69.4296% | 3,935 |
| Assets per employee ($millions) | 3.4014% | 5,055 |
| Cash dividends to net income (ytd only)* | 43.6860% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8116% | 2,400 |
| Loan loss allowance to noncurrent loans | 93.8013% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.1406% | 3,464 |
| Noncurrent loans to loans | 1.9313% | 2,473 |
| Net loans and leases to total assets | 53.6085% | 4,645 |
| Net loans and leases to deposits | 60.7411% | 4,890 |
| Net loans and leases to core deposits | 66.0822% | 4,678 |
| Total domestic deposits to total assets | 88.2573% | 2,068 |
| Equity capital to assets | 11.1095% | 2,650 |
| Core capital (leverage) ratio | 10.8987% | 2,456 |
| Tier 1 risk-based capital ratio | 19.4888% | 1,859 |
| Total risk-based capital ratio | 20.7448% | 1,834 |
| Memoranda: | ||
| Average total assets | $393,385,670 | 1,684 |
| Average earning assets | $363,123,670 | 1,669 |
| Average equity | $43,449,670 | 1,625 |
| Average total loans | $207,357,330 | 1,959 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0880% | 3,772 |
| Cost of funding earning assets | 0.3438% | 5,604 |
| Net interest margin | 3.7441% | 2,680 |
| Noninterest income to average assets | 0.9239% | 1,680 |
| Noninterest expense to average assets | 2.9119% | 3,300 |
| Loan and lease loss provision to assets | 0.1051% | 2,930 |
| Net operating income to assets | 1.3393% | 1,179 |
| Return on assets (ROA) | 1.3393% | 1,276 |
| Pretax return on assets | 1.3624% | 2,002 |
| Return on Equity (ROE) | 12.1599% | 1,379 |
| Retained earnings to average equity (ytd only) | 8.8518% | 1,436 |
| Net charge-offs to loans | -0.0213% | 5,741 |
| Credit loss provision to net charge-offs | -954.5455% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9429% | 4,671 |
| Assets per employee ($millions) | 3.6905% | 4,580 |
| Cash dividends to net income (ytd only)* | 27.2048% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7814% | 2,684 |
| Loan loss allowance to noncurrent loans | 91.2757% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.0664% | 3,801 |
| Noncurrent loans to loans | 1.9517% | 2,672 |
| Net loans and leases to total assets | 52.1496% | 4,685 |
| Net loans and leases to deposits | 59.0786% | 4,901 |
| Net loans and leases to core deposits | 63.8643% | 4,754 |
| Total domestic deposits to total assets | 88.2716% | 2,150 |
| Equity capital to assets | 11.2551% | 2,671 |
| Core capital (leverage) ratio | 10.5754% | 2,679 |
| Tier 1 risk-based capital ratio | 19.2446% | 1,966 |
| Total risk-based capital ratio | 20.5005% | 1,939 |
| Memoranda: | ||
| Average total assets | $399,602,000 | 1,674 |
| Average earning assets | $368,789,500 | 1,660 |
| Average equity | $44,013,500 | 1,624 |
| Average total loans | $207,040,500 | 1,968 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 5,006 |
| Cost of funding earning assets | 0.3781% | 6,062 |
| Net interest margin | 3.7054% | 3,621 |
| Noninterest income to average assets | 0.9799% | 1,596 |
| Noninterest expense to average assets | 2.7557% | 4,195 |
| Loan and lease loss provision to assets | 0.2458% | 2,687 |
| Net operating income to assets | 1.3954% | 1,108 |
| Return on assets (ROA) | 1.5295% | 955 |
| Pretax return on assets | 1.5320% | 1,587 |
| Return on Equity (ROE) | 14.0158% | 987 |
| Retained earnings to average equity (ytd only) | 4.5675% | 3,010 |
| Net charge-offs to loans | 0.1283% | 4,398 |
| Credit loss provision to net charge-offs | 386.2745% | 625 |
| Earnings coverage of net charge-offs (x) | 25.8275% | 1,123 |
| Efficiency ratio | 62.0866% | 5,226 |
| Assets per employee ($millions) | 3.7094% | 4,542 |
| Cash dividends to net income (ytd only)* | 67.4119% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7704% | 2,687 |
| Loan loss allowance to noncurrent loans | 80.1728% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.1285% | 3,771 |
| Noncurrent loans to loans | 2.2082% | 2,450 |
| Net loans and leases to total assets | 49.6628% | 5,213 |
| Net loans and leases to deposits | 56.2916% | 5,418 |
| Net loans and leases to core deposits | 60.6786% | 5,298 |
| Total domestic deposits to total assets | 88.2241% | 2,082 |
| Equity capital to assets | 10.7792% | 3,193 |
| Core capital (leverage) ratio | 10.4362% | 2,840 |
| Tier 1 risk-based capital ratio | 19.2087% | 1,894 |
| Total risk-based capital ratio | 20.4643% | 1,869 |
| Memoranda: | ||
| Average total assets | $400,662,400 | 1,633 |
| Average earning assets | $369,758,400 | 1,617 |
| Average equity | $43,722,200 | 1,594 |
| Average total loans | $198,711,200 | 2,016 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 5,136 |
| Cost of funding earning assets | 0.3892% | 6,178 |
| Net interest margin | 3.7253% | 3,678 |
| Noninterest income to average assets | 0.9956% | 1,512 |
| Noninterest expense to average assets | 2.7320% | 4,246 |
| Loan and lease loss provision to assets | 0.2585% | 2,506 |
| Net operating income to assets | 1.4469% | 1,132 |
| Return on assets (ROA) | 1.5449% | 1,057 |
| Pretax return on assets | 1.5483% | 1,727 |
| Return on Equity (ROE) | 14.1140% | 1,085 |
| Retained earnings to average equity (ytd only) | 7.8370% | 1,687 |
| Net charge-offs to loans | 0.1203% | 4,172 |
| Credit loss provision to net charge-offs | 435.3933% | 619 |
| Earnings coverage of net charge-offs (x) | 28.7806% | 1,133 |
| Efficiency ratio | 60.9734% | 5,317 |
| Assets per employee ($millions) | 3.4840% | 5,002 |
| Cash dividends to net income (ytd only)* | 44.4732% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7539% | 2,954 |
| Loan loss allowance to noncurrent loans | 82.6850% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 4,069 |
| Noncurrent loans to loans | 2.1212% | 2,704 |
| Net loans and leases to total assets | 50.9516% | 5,194 |
| Net loans and leases to deposits | 58.1743% | 5,416 |
| Net loans and leases to core deposits | 62.8134% | 5,279 |
| Total domestic deposits to total assets | 87.5845% | 2,299 |
| Equity capital to assets | 11.9482% | 2,302 |
| Core capital (leverage) ratio | 10.6972% | 2,704 |
| Tier 1 risk-based capital ratio | 20.0556% | 1,741 |
| Total risk-based capital ratio | 21.3111% | 1,710 |
| Memoranda: | ||
| Average total assets | $399,746,750 | 1,652 |
| Average earning assets | $369,683,000 | 1,633 |
| Average equity | $43,757,000 | 1,611 |
| Average total loans | $197,284,500 | 2,053 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 5,325 |
| Cost of funding earning assets | 0.3930% | 6,311 |
| Net interest margin | 3.7038% | 3,797 |
| Noninterest income to average assets | 1.0068% | 1,450 |
| Noninterest expense to average assets | 2.7015% | 4,417 |
| Loan and lease loss provision to assets | 0.2788% | 2,355 |
| Net operating income to assets | 1.4450% | 1,097 |
| Return on assets (ROA) | 1.5901% | 956 |
| Pretax return on assets | 1.5951% | 1,562 |
| Return on Equity (ROE) | 14.9584% | 945 |
| Retained earnings to average equity (ytd only) | 8.5981% | 1,413 |
| Net charge-offs to loans | 0.1301% | 3,886 |
| Credit loss provision to net charge-offs | 441.4063% | 673 |
| Earnings coverage of net charge-offs (x) | 27.3672% | 1,134 |
| Efficiency ratio | 60.4322% | 5,511 |
| Assets per employee ($millions) | 3.5273% | 4,929 |
| Cash dividends to net income (ytd only)* | 42.5202% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6813% | 3,307 |
| Loan loss allowance to noncurrent loans | 85.3258% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.0908% | 4,198 |
| Noncurrent loans to loans | 1.9704% | 2,976 |
| Net loans and leases to total assets | 49.6756% | 5,395 |
| Net loans and leases to deposits | 56.7106% | 5,581 |
| Net loans and leases to core deposits | 61.5250% | 5,431 |
| Total domestic deposits to total assets | 87.5949% | 2,401 |
| Equity capital to assets | 11.2271% | 2,867 |
| Core capital (leverage) ratio | 10.1240% | 3,242 |
| Tier 1 risk-based capital ratio | 19.5540% | 1,833 |
| Total risk-based capital ratio | 20.8083% | 1,806 |
| Memoranda: | ||
| Average total assets | $405,249,670 | 1,627 |
| Average earning assets | $374,583,670 | 1,614 |
| Average equity | $43,079,330 | 1,623 |
| Average total loans | $196,795,330 | 2,053 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0588% | 5,582 |
| Cost of funding earning assets | 0.3876% | 6,472 |
| Net interest margin | 3.6711% | 3,957 |
| Noninterest income to average assets | 1.0551% | 1,295 |
| Noninterest expense to average assets | 2.6372% | 4,673 |
| Loan and lease loss provision to assets | 0.3446% | 1,814 |
| Net operating income to assets | 1.4744% | 1,073 |
| Return on assets (ROA) | 1.6423% | 899 |
| Pretax return on assets | 1.6423% | 1,451 |
| Return on Equity (ROE) | 15.8724% | 823 |
| Retained earnings to average equity (ytd only) | 11.6604% | 890 |
| Net charge-offs to loans | 0.5502% | 1,711 |
| Credit loss provision to net charge-offs | 131.4815% | 1,854 |
| Earnings coverage of net charge-offs (x) | 6.9407% | 2,139 |
| Efficiency ratio | 58.6582% | 5,825 |
| Assets per employee ($millions) | 3.7480% | 4,540 |
| Cash dividends to net income (ytd only)* | 26.5366% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 4,072 |
| Loan loss allowance to noncurrent loans | 67.7449% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.1509% | 4,206 |
| Noncurrent loans to loans | 2.2411% | 2,872 |
| Net loans and leases to total assets | 46.7918% | 5,702 |
| Net loans and leases to deposits | 52.4820% | 5,942 |
| Net loans and leases to core deposits | 55.2208% | 5,969 |
| Total domestic deposits to total assets | 89.1577% | 1,593 |
| Equity capital to assets | 10.4802% | 3,511 |
| Core capital (leverage) ratio | 9.9217% | 3,467 |
| Tier 1 risk-based capital ratio | 19.1937% | 1,936 |
| Total risk-based capital ratio | 20.4416% | 1,903 |
| Memoranda: | ||
| Average total assets | $412,107,500 | 1,611 |
| Average earning assets | $381,792,000 | 1,590 |
| Average equity | $42,640,000 | 1,633 |
| Average total loans | $196,281,500 | 2,068 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 5,309 |
| Cost of funding earning assets | 0.4836% | 6,602 |
| Net interest margin | 3.9466% | 3,127 |
| Noninterest income to average assets | 1.0722% | 1,162 |
| Noninterest expense to average assets | 2.9018% | 3,951 |
| Loan and lease loss provision to assets | 0.2314% | 3,889 |
| Net operating income to assets | 1.5804% | 694 |
| Return on assets (ROA) | 1.6018% | 717 |
| Pretax return on assets | 1.6018% | 1,191 |
| Return on Equity (ROE) | 14.2541% | 873 |
| Retained earnings to average equity (ytd only) | 5.5683% | 2,261 |
| Net charge-offs to loans | 0.2861% | 3,983 |
| Credit loss provision to net charge-offs | 148.9362% | 1,907 |
| Earnings coverage of net charge-offs (x) | 11.6631% | 1,697 |
| Efficiency ratio | 60.9968% | 5,606 |
| Assets per employee ($millions) | 3.7111% | 4,532 |
| Cash dividends to net income (ytd only)* | 60.9354% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 4,150 |
| Loan loss allowance to noncurrent loans | 60.8595% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.6668% | 3,453 |
| Noncurrent loans to loans | 2.4136% | 2,712 |
| Net loans and leases to total assets | 47.0431% | 5,918 |
| Net loans and leases to deposits | 53.0934% | 6,132 |
| Net loans and leases to core deposits | 55.3765% | 6,202 |
| Total domestic deposits to total assets | 88.6044% | 1,780 |
| Equity capital to assets | 10.2134% | 3,892 |
| Core capital (leverage) ratio | 9.5388% | 3,962 |
| Tier 1 risk-based capital ratio | 18.1368% | 2,148 |
| Total risk-based capital ratio | 19.3880% | 2,121 |
| Memoranda: | ||
| Average total assets | $363,081,000 | 1,790 |
| Average earning assets | $334,996,200 | 1,770 |
| Average equity | $40,802,400 | 1,647 |
| Average total loans | $197,135,000 | 2,065 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5227% | 5,190 |
| Cost of funding earning assets | 0.5118% | 6,655 |
| Net interest margin | 4.0109% | 2,870 |
| Noninterest income to average assets | 1.1263% | 1,038 |
| Noninterest expense to average assets | 2.9689% | 3,675 |
| Loan and lease loss provision to assets | 0.2394% | 3,615 |
| Net operating income to assets | 1.6253% | 744 |
| Return on assets (ROA) | 1.6397% | 787 |
| Pretax return on assets | 1.6397% | 1,280 |
| Return on Equity (ROE) | 14.2107% | 999 |
| Retained earnings to average equity (ytd only) | 9.0434% | 1,129 |
| Net charge-offs to loans | 0.3772% | 3,222 |
| Credit loss provision to net charge-offs | 112.9032% | 2,894 |
| Earnings coverage of net charge-offs (x) | 8.7939% | 2,126 |
| Efficiency ratio | 60.8491% | 5,585 |
| Assets per employee ($millions) | 3.5845% | 4,796 |
| Cash dividends to net income (ytd only)* | 36.3616% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 4,580 |
| Loan loss allowance to noncurrent loans | 50.7657% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 1.8751% | 3,301 |
| Noncurrent loans to loans | 2.7488% | 2,544 |
| Net loans and leases to total assets | 49.0087% | 5,831 |
| Net loans and leases to deposits | 55.4653% | 6,075 |
| Net loans and leases to core deposits | 58.3328% | 6,103 |
| Total domestic deposits to total assets | 88.3593% | 1,832 |
| Equity capital to assets | 11.1272% | 3,029 |
| Core capital (leverage) ratio | 11.4402% | 2,067 |
| Tier 1 risk-based capital ratio | 19.5543% | 1,801 |
| Total risk-based capital ratio | 20.8057% | 1,768 |
| Memoranda: | ||
| Average total assets | $350,868,500 | 1,854 |
| Average earning assets | $324,308,500 | 1,833 |
| Average equity | $40,485,000 | 1,664 |
| Average total loans | $197,250,250 | 2,086 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6637% | 4,686 |
| Cost of funding earning assets | 0.5485% | 6,671 |
| Net interest margin | 4.1152% | 2,357 |
| Noninterest income to average assets | 1.0727% | 1,142 |
| Noninterest expense to average assets | 3.0798% | 3,332 |
| Loan and lease loss provision to assets | 0.2479% | 3,431 |
| Net operating income to assets | 1.5449% | 815 |
| Return on assets (ROA) | 1.5449% | 867 |
| Pretax return on assets | 1.5449% | 1,388 |
| Return on Equity (ROE) | 13.2101% | 1,154 |
| Retained earnings to average equity (ytd only) | 7.7837% | 1,539 |
| Net charge-offs to loans | 0.3460% | 3,169 |
| Credit loss provision to net charge-offs | 122.0930% | 2,495 |
| Earnings coverage of net charge-offs (x) | 8.8285% | 2,001 |
| Efficiency ratio | 62.6121% | 5,478 |
| Assets per employee ($millions) | 3.0791% | 5,923 |
| Cash dividends to net income (ytd only)* | 41.0776% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 4,665 |
| Loan loss allowance to noncurrent loans | 34.8316% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 2.4859% | 2,685 |
| Noncurrent loans to loans | 3.9663% | 1,750 |
| Net loans and leases to total assets | 56.6714% | 4,873 |
| Net loans and leases to deposits | 65.7162% | 5,038 |
| Net loans and leases to core deposits | 70.2595% | 5,043 |
| Total domestic deposits to total assets | 86.2367% | 3,192 |
| Equity capital to assets | 12.0784% | 2,043 |
| Core capital (leverage) ratio | 11.2696% | 2,066 |
| Tier 1 risk-based capital ratio | 18.9048% | 1,873 |
| Total risk-based capital ratio | 20.1558% | 1,835 |
| Memoranda: | ||
| Average total assets | $338,783,000 | 1,922 |
| Average earning assets | $312,843,000 | 1,900 |
| Average equity | $39,621,330 | 1,686 |
| Average total loans | $198,863,670 | 2,093 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6598% | 4,703 |
| Cost of funding earning assets | 0.5644% | 6,745 |
| Net interest margin | 4.0954% | 2,284 |
| Noninterest income to average assets | 1.0235% | 1,260 |
| Noninterest expense to average assets | 3.0128% | 3,588 |
| Loan and lease loss provision to assets | 0.2479% | 3,181 |
| Net operating income to assets | 1.5406% | 796 |
| Return on assets (ROA) | 1.5406% | 837 |
| Pretax return on assets | 1.5406% | 1,323 |
| Return on Equity (ROE) | 13.3925% | 1,111 |
| Retained earnings to average equity (ytd only) | 10.7756% | 942 |
| Net charge-offs to loans | 0.2050% | 3,279 |
| Credit loss provision to net charge-offs | 203.8835% | 1,456 |
| Earnings coverage of net charge-offs (x) | 14.7087% | 1,355 |
| Efficiency ratio | 62.1588% | 5,655 |
| Assets per employee ($millions) | 3.0474% | 6,060 |
| Cash dividends to net income (ytd only)* | 19.5402% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 4,834 |
| Loan loss allowance to noncurrent loans | 31.4742% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 2.7189% | 2,534 |
| Noncurrent loans to loans | 4.3341% | 1,629 |
| Net loans and leases to total assets | 58.1423% | 4,626 |
| Net loans and leases to deposits | 66.2101% | 4,945 |
| Net loans and leases to core deposits | 70.3169% | 5,005 |
| Total domestic deposits to total assets | 87.8149% | 2,476 |
| Equity capital to assets | 11.7293% | 2,099 |
| Core capital (leverage) ratio | 11.0731% | 2,133 |
| Tier 1 risk-based capital ratio | 18.3751% | 1,997 |
| Total risk-based capital ratio | 19.6227% | 1,952 |
| Memoranda: | ||
| Average total assets | $338,822,000 | 1,939 |
| Average earning assets | $312,543,000 | 1,912 |
| Average equity | $38,977,000 | 1,704 |
| Average total loans | $200,976,500 | 2,101 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 4,866 |
| Cost of funding earning assets | 0.6399% | 7,035 |
| Net interest margin | 4.2933% | 1,840 |
| Noninterest income to average assets | 1.0165% | 1,454 |
| Noninterest expense to average assets | 3.2818% | 2,793 |
| Loan and lease loss provision to assets | 0.1864% | 5,366 |
| Net operating income to assets | 1.4856% | 790 |
| Return on assets (ROA) | 1.4887% | 846 |
| Pretax return on assets | 1.4887% | 1,408 |
| Return on Equity (ROE) | 12.3888% | 1,240 |
| Retained earnings to average equity (ytd only) | 3.2523% | 3,589 |
| Net charge-offs to loans | 0.1157% | 5,722 |
| Credit loss provision to net charge-offs | 264.3172% | 1,061 |
| Earnings coverage of net charge-offs (x) | 23.7093% | 891 |
| Efficiency ratio | 65.6403% | 5,037 |
| Assets per employee ($millions) | 3.0034% | 6,093 |
| Cash dividends to net income (ytd only)* | 73.7479% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 5,057 |
| Loan loss allowance to noncurrent loans | 31.1814% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 2.6513% | 2,624 |
| Noncurrent loans to loans | 4.1371% | 1,749 |
| Net loans and leases to total assets | 58.9150% | 4,867 |
| Net loans and leases to deposits | 67.2624% | 5,204 |
| Net loans and leases to core deposits | 71.2623% | 5,300 |
| Total domestic deposits to total assets | 87.5897% | 2,492 |
| Equity capital to assets | 11.2788% | 2,431 |
| Core capital (leverage) ratio | 11.0020% | 2,165 |
| Tier 1 risk-based capital ratio | 17.5582% | 2,153 |
| Total risk-based capital ratio | 18.8084% | 2,115 |
| Memoranda: | ||
| Average total assets | $321,896,200 | 2,020 |
| Average earning assets | $295,207,000 | 2,014 |
| Average equity | $38,680,200 | 1,711 |
| Average total loans | $196,229,400 | 2,194 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0088% | 4,771 |
| Cost of funding earning assets | 0.6625% | 7,150 |
| Net interest margin | 4.3462% | 1,687 |
| Noninterest income to average assets | 1.0271% | 1,387 |
| Noninterest expense to average assets | 3.3836% | 2,344 |
| Loan and lease loss provision to assets | 0.1638% | 5,399 |
| Net operating income to assets | 1.4600% | 1,001 |
| Return on assets (ROA) | 1.4642% | 1,067 |
| Pretax return on assets | 1.4642% | 1,708 |
| Return on Equity (ROE) | 11.9885% | 1,505 |
| Retained earnings to average equity (ytd only) | 6.2916% | 2,206 |
| Net charge-offs to loans | 0.1336% | 5,230 |
| Credit loss provision to net charge-offs | 200.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 19.8310% | 1,194 |
| Efficiency ratio | 66.9602% | 4,661 |
| Assets per employee ($millions) | 2.7564% | 6,674 |
| Cash dividends to net income (ytd only)* | 47.5194% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 5,439 |
| Loan loss allowance to noncurrent loans | 27.0646% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 2.9462% | 2,460 |
| Noncurrent loans to loans | 4.4727% | 1,619 |
| Net loans and leases to total assets | 62.1509% | 4,495 |
| Net loans and leases to deposits | 71.5768% | 4,894 |
| Net loans and leases to core deposits | 75.6507% | 5,100 |
| Total domestic deposits to total assets | 86.8311% | 2,628 |
| Equity capital to assets | 12.5237% | 1,843 |
| Core capital (leverage) ratio | 11.5113% | 1,935 |
| Tier 1 risk-based capital ratio | 18.2439% | 1,949 |
| Total risk-based capital ratio | 19.4517% | 1,923 |
| Memoranda: | ||
| Average total assets | $317,525,500 | 2,079 |
| Average earning assets | $290,789,500 | 2,072 |
| Average equity | $38,780,750 | 1,720 |
| Average total loans | $194,647,250 | 2,240 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0479% | 4,714 |
| Cost of funding earning assets | 0.6761% | 7,242 |
| Net interest margin | 4.3718% | 1,531 |
| Noninterest income to average assets | 1.0101% | 1,353 |
| Noninterest expense to average assets | 3.3309% | 2,458 |
| Loan and lease loss provision to assets | 0.1515% | 5,386 |
| Net operating income to assets | 1.5240% | 868 |
| Return on assets (ROA) | 1.5304% | 909 |
| Pretax return on assets | 1.5304% | 1,478 |
| Return on Equity (ROE) | 12.6382% | 1,323 |
| Retained earnings to average equity (ytd only) | 6.4025% | 2,116 |
| Net charge-offs to loans | 0.1320% | 4,890 |
| Credit loss provision to net charge-offs | 188.9764% | 2,087 |
| Earnings coverage of net charge-offs (x) | 20.8976% | 1,193 |
| Efficiency ratio | 65.9142% | 4,997 |
| Assets per employee ($millions) | 2.7667% | 6,646 |
| Cash dividends to net income (ytd only)* | 49.3399% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 5,531 |
| Loan loss allowance to noncurrent loans | 42.8754% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 1.8402% | 3,709 |
| Noncurrent loans to loans | 2.7634% | 2,893 |
| Net loans and leases to total assets | 61.1482% | 4,849 |
| Net loans and leases to deposits | 70.1711% | 5,251 |
| Net loans and leases to core deposits | 74.3846% | 5,401 |
| Total domestic deposits to total assets | 87.1416% | 2,460 |
| Equity capital to assets | 12.2620% | 1,945 |
| Core capital (leverage) ratio | 11.3503% | 2,014 |
| Tier 1 risk-based capital ratio | 18.1874% | 1,901 |
| Total risk-based capital ratio | 19.3711% | 1,897 |
| Memoranda: | ||
| Average total assets | $316,788,000 | 2,102 |
| Average earning assets | $289,585,000 | 2,093 |
| Average equity | $38,360,000 | 1,736 |
| Average total loans | $192,478,000 | 2,290 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0343% | 4,862 |
| Cost of funding earning assets | 0.6937% | 7,343 |
| Net interest margin | 4.3407% | 1,562 |
| Noninterest income to average assets | 1.0295% | 1,210 |
| Noninterest expense to average assets | 3.3948% | 2,248 |
| Loan and lease loss provision to assets | 0.1525% | 5,016 |
| Net operating income to assets | 1.4350% | 1,008 |
| Return on assets (ROA) | 1.4350% | 1,083 |
| Pretax return on assets | 1.4350% | 1,679 |
| Return on Equity (ROE) | 11.9271% | 1,519 |
| Retained earnings to average equity (ytd only) | 6.1167% | 2,568 |
| Net charge-offs to loans | 0.1056% | 4,367 |
| Credit loss provision to net charge-offs | 240.0000% | 1,600 |
| Earnings coverage of net charge-offs (x) | 24.9800% | 996 |
| Efficiency ratio | 67.5255% | 4,816 |
| Assets per employee ($millions) | 2.8015% | 6,644 |
| Cash dividends to net income (ytd only)* | 48.7157% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 5,486 |
| Loan loss allowance to noncurrent loans | 43.8330% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 1.8258% | 3,744 |
| Noncurrent loans to loans | 2.7436% | 2,903 |
| Net loans and leases to total assets | 59.4203% | 5,216 |
| Net loans and leases to deposits | 67.8201% | 5,614 |
| Net loans and leases to core deposits | 71.5813% | 5,758 |
| Total domestic deposits to total assets | 87.6146% | 2,290 |
| Equity capital to assets | 11.9282% | 2,084 |
| Core capital (leverage) ratio | 11.3888% | 1,971 |
| Tier 1 risk-based capital ratio | 18.1179% | 1,920 |
| Total risk-based capital ratio | 19.2974% | 1,907 |
| Memoranda: | ||
| Average total assets | $314,714,500 | 2,162 |
| Average earning assets | $286,591,500 | 2,167 |
| Average equity | $37,863,500 | 1,780 |
| Average total loans | $189,417,500 | 2,382 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4139% | 4,629 |
| Cost of funding earning assets | 0.8522% | 7,483 |
| Net interest margin | 4.5616% | 1,054 |
| Noninterest income to average assets | 1.1103% | 1,245 |
| Noninterest expense to average assets | 3.4510% | 2,524 |
| Loan and lease loss provision to assets | 0.0799% | 6,809 |
| Net operating income to assets | 1.7057% | 432 |
| Return on assets (ROA) | 1.7057% | 463 |
| Pretax return on assets | 1.7057% | 769 |
| Return on Equity (ROE) | 13.9246% | 797 |
| Retained earnings to average equity (ytd only) | 4.8010% | 1,924 |
| Net charge-offs to loans | 0.1108% | 6,048 |
| Credit loss provision to net charge-offs | 121.2121% | 4,394 |
| Earnings coverage of net charge-offs (x) | 27.0808% | 834 |
| Efficiency ratio | 65.2846% | 5,541 |
| Assets per employee ($millions) | 2.7198% | 6,814 |
| Cash dividends to net income (ytd only)* | 65.5213% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 5,363 |
| Loan loss allowance to noncurrent loans | 53.8721% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 1.4907% | 4,148 |
| Noncurrent loans to loans | 2.2264% | 3,364 |
| Net loans and leases to total assets | 59.5094% | 5,413 |
| Net loans and leases to deposits | 68.6534% | 5,758 |
| Net loans and leases to core deposits | 81.9728% | 5,909 |
| Total domestic deposits to total assets | 86.6810% | 2,662 |
| Equity capital to assets | 12.1370% | 1,947 |
| Core capital (leverage) ratio | 11.7471% | 1,787 |
| Tier 1 risk-based capital ratio | 18.2091% | 1,840 |
| Total risk-based capital ratio | 19.3786% | 1,814 |
| Memoranda: | ||
| Average total assets | $300,291,600 | 2,215 |
| Average earning assets | $271,636,600 | 2,226 |
| Average equity | $36,783,800 | 1,830 |
| Average total loans | $178,779,600 | 2,530 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4914% | 4,457 |
| Cost of funding earning assets | 0.8957% | 7,565 |
| Net interest margin | 4.5957% | 997 |
| Noninterest income to average assets | 1.1008% | 1,309 |
| Noninterest expense to average assets | 3.5229% | 2,221 |
| Loan and lease loss provision to assets | 0.0806% | 6,566 |
| Net operating income to assets | 1.6545% | 601 |
| Return on assets (ROA) | 1.6545% | 653 |
| Pretax return on assets | 1.6545% | 1,059 |
| Return on Equity (ROE) | 13.4746% | 1,017 |
| Retained earnings to average equity (ytd only) | 8.0315% | 1,126 |
| Net charge-offs to loans | 0.0815% | 5,864 |
| Credit loss provision to net charge-offs | 166.6667% | 2,812 |
| Earnings coverage of net charge-offs (x) | 35.8880% | 810 |
| Efficiency ratio | 66.3800% | 5,305 |
| Assets per employee ($millions) | 2.5748% | 7,096 |
| Cash dividends to net income (ytd only)* | 40.3951% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 4,816 |
| Loan loss allowance to noncurrent loans | 61.3016% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.4151% | 4,273 |
| Noncurrent loans to loans | 2.0408% | 3,576 |
| Net loans and leases to total assets | 60.5128% | 5,500 |
| Net loans and leases to deposits | 70.0142% | 5,915 |
| Net loans and leases to core deposits | 83.4917% | 6,077 |
| Total domestic deposits to total assets | 86.4293% | 2,461 |
| Equity capital to assets | 12.8794% | 1,743 |
| Core capital (leverage) ratio | 11.9596% | 1,820 |
| Tier 1 risk-based capital ratio | 19.2031% | 1,703 |
| Total risk-based capital ratio | 20.4382% | 1,672 |
| Memoranda: | ||
| Average total assets | $297,849,500 | 2,240 |
| Average earning assets | $269,434,500 | 2,263 |
| Average equity | $36,571,750 | 1,857 |
| Average total loans | $176,785,750 | 2,579 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5245% | 4,481 |
| Cost of funding earning assets | 0.9390% | 7,644 |
| Net interest margin | 4.5855% | 989 |
| Noninterest income to average assets | 1.0548% | 1,421 |
| Noninterest expense to average assets | 3.5459% | 2,206 |
| Loan and lease loss provision to assets | 0.0804% | 6,381 |
| Net operating income to assets | 1.5588% | 743 |
| Return on assets (ROA) | 1.5588% | 801 |
| Pretax return on assets | 1.5588% | 1,307 |
| Return on Equity (ROE) | 12.9042% | 1,201 |
| Retained earnings to average equity (ytd only) | 7.2121% | 1,499 |
| Net charge-offs to loans | 0.0959% | 5,213 |
| Credit loss provision to net charge-offs | 142.8571% | 3,247 |
| Earnings coverage of net charge-offs (x) | 29.1190% | 1,021 |
| Efficiency ratio | 67.7524% | 5,199 |
| Assets per employee ($millions) | 2.6338% | 6,989 |
| Cash dividends to net income (ytd only)* | 44.1101% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 4,492 |
| Loan loss allowance to noncurrent loans | 58.6506% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.4573% | 4,060 |
| Noncurrent loans to loans | 2.1597% | 3,294 |
| Net loans and leases to total assets | 58.5104% | 5,901 |
| Net loans and leases to deposits | 67.1822% | 6,273 |
| Net loans and leases to core deposits | 79.6661% | 6,437 |
| Total domestic deposits to total assets | 87.0920% | 2,206 |
| Equity capital to assets | 12.2135% | 2,079 |
| Core capital (leverage) ratio | 11.5161% | 2,079 |
| Tier 1 risk-based capital ratio | 19.0548% | 1,767 |
| Total risk-based capital ratio | 20.2936% | 1,720 |
| Memoranda: | ||
| Average total assets | $298,432,330 | 2,264 |
| Average earning assets | $268,802,330 | 2,284 |
| Average equity | $36,050,330 | 1,892 |
| Average total loans | $175,231,330 | 2,636 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5947% | 4,393 |
| Cost of funding earning assets | 0.9417% | 7,759 |
| Net interest margin | 4.6530% | 862 |
| Noninterest income to average assets | 0.9958% | 1,494 |
| Noninterest expense to average assets | 3.4252% | 2,291 |
| Loan and lease loss provision to assets | 0.0803% | 5,945 |
| Net operating income to assets | 1.6504% | 714 |
| Return on assets (ROA) | 1.6504% | 783 |
| Pretax return on assets | 1.6504% | 1,289 |
| Return on Equity (ROE) | 13.7378% | 1,217 |
| Retained earnings to average equity (ytd only) | 11.0526% | 959 |
| Net charge-offs to loans | 0.1580% | 3,699 |
| Credit loss provision to net charge-offs | 86.9565% | 4,065 |
| Earnings coverage of net charge-offs (x) | 18.7391% | 1,450 |
| Efficiency ratio | 65.8100% | 5,361 |
| Assets per employee ($millions) | 2.5699% | 7,151 |
| Cash dividends to net income (ytd only)* | 19.5458% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 4,488 |
| Loan loss allowance to noncurrent loans | 67.2917% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.2359% | 4,212 |
| Noncurrent loans to loans | 1.8501% | 3,489 |
| Net loans and leases to total assets | 57.7504% | 5,985 |
| Net loans and leases to deposits | 66.2354% | 6,356 |
| Net loans and leases to core deposits | 78.1005% | 6,529 |
| Total domestic deposits to total assets | 87.1897% | 2,126 |
| Equity capital to assets | 12.1384% | 2,173 |
| Core capital (leverage) ratio | 11.4932% | 2,152 |
| Tier 1 risk-based capital ratio | 18.8019% | 1,859 |
| Total risk-based capital ratio | 20.0114% | 1,815 |
| Memoranda: | ||
| Average total assets | $298,841,500 | 2,275 |
| Average earning assets | $267,180,000 | 2,313 |
| Average equity | $35,901,000 | 1,908 |
| Average total loans | $174,662,500 | 2,659 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4125% | 3,348 |
| Cost of funding earning assets | 1.6663% | 7,328 |
| Net interest margin | 4.7461% | 873 |
| Noninterest income to average assets | 1.1783% | 1,103 |
| Noninterest expense to average assets | 3.4701% | 2,476 |
| Loan and lease loss provision to assets | 0.0410% | 6,901 |
| Net operating income to assets | 1.9338% | 407 |
| Return on assets (ROA) | 1.9311% | 395 |
| Pretax return on assets | 1.9311% | 721 |
| Return on Equity (ROE) | 16.7605% | 663 |
| Retained earnings to average equity (ytd only) | 2.1807% | 3,864 |
| Net charge-offs to loans | 0.1359% | 4,864 |
| Credit loss provision to net charge-offs | 52.4017% | 6,327 |
| Earnings coverage of net charge-offs (x) | 25.2271% | 1,342 |
| Efficiency ratio | 63.1215% | 5,756 |
| Assets per employee ($millions) | 2.5170% | 7,182 |
| Cash dividends to net income (ytd only)* | 86.9888% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 4,010 |
| Loan loss allowance to noncurrent loans | 68.9028% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 1.1427% | 3,985 |
| Noncurrent loans to loans | 1.8387% | 3,001 |
| Net loans and leases to total assets | 57.6742% | 6,253 |
| Net loans and leases to deposits | 66.4695% | 6,606 |
| Net loans and leases to core deposits | 78.4166% | 6,728 |
| Total domestic deposits to total assets | 86.7678% | 2,055 |
| Equity capital to assets | 11.8868% | 2,365 |
| Core capital (leverage) ratio | 11.4739% | 2,269 |
| Tier 1 risk-based capital ratio | 18.3893% | 1,942 |
| Total risk-based capital ratio | 19.6137% | 1,895 |
| Memoranda: | ||
| Average total assets | $292,529,000 | 2,238 |
| Average earning assets | $262,971,200 | 2,265 |
| Average equity | $33,704,200 | 2,011 |
| Average total loans | $168,471,800 | 2,635 |