Home > The First National Bank of Livingston > Performance and Condition Ratios
The First National Bank of Livingston, 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 | 2.9271% | 4,537 |
| Cost of funding earning assets | 0.4968% | 4,197 |
| Net interest margin | 2.4303% | 4,160 |
| Noninterest income to average assets | 1.7600% | 313 |
| Noninterest expense to average assets | 3.0440% | 1,055 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9631% | 2,326 |
| Return on assets (ROA) | 0.9621% | 2,320 |
| Pretax return on assets | 0.9621% | 2,777 |
| Return on Equity (ROE) | 12.4500% | 1,852 |
| Retained earnings to average equity (ytd only) | 4.1576% | 2,900 |
| Net charge-offs to loans | 0.0419% | 1,482 |
| Credit loss provision to net charge-offs | 486.4865% | 689 |
| Earnings coverage of net charge-offs (x) | 69.6351% | 1,096 |
| Efficiency ratio | 74.6170% | 1,393 |
| Assets per employee ($millions) | 4.8973% | 3,706 |
| Cash dividends to net income (ytd only)* | 66.6040% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 1,141 |
| Loan loss allowance to noncurrent loans | 3,329.7619% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 3,632 |
| Noncurrent loans to loans | 0.0442% | 3,405 |
| Net loans and leases to total assets | 37.8800% | 4,100 |
| Net loans and leases to deposits | 45.0098% | 4,071 |
| Net loans and leases to core deposits | 45.3849% | 4,166 |
| Total domestic deposits to total assets | 84.1600% | 2,577 |
| Equity capital to assets | 8.7874% | 2,838 |
| Core capital (leverage) ratio | 13.0630% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4714% | 195 |
| Memoranda: | ||
| Average total assets | $497,639,400 | 1,732 |
| Average earning assets | $475,862,400 | 1,697 |
| Average equity | $38,460,000 | 1,931 |
| Average total loans | $176,606,800 | 2,476 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8296% | 4,555 |
| Cost of funding earning assets | 0.4088% | 4,244 |
| Net interest margin | 2.4209% | 4,209 |
| Noninterest income to average assets | 1.7700% | 328 |
| Noninterest expense to average assets | 3.0091% | 1,060 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0061% | 2,346 |
| Return on assets (ROA) | 1.0048% | 2,340 |
| Pretax return on assets | 1.0048% | 2,847 |
| Return on Equity (ROE) | 13.4600% | 1,808 |
| Retained earnings to average equity (ytd only) | 4.8124% | 2,996 |
| Net charge-offs to loans | 0.0377% | 1,347 |
| Credit loss provision to net charge-offs | 551.0204% | 595 |
| Earnings coverage of net charge-offs (x) | 82.2653% | 1,033 |
| Efficiency ratio | 73.6174% | 1,395 |
| Assets per employee ($millions) | 5.0840% | 3,541 |
| Cash dividends to net income (ytd only)* | 64.2439% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,139 |
| Loan loss allowance to noncurrent loans | 2,417.6991% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 3,590 |
| Noncurrent loans to loans | 0.0616% | 3,313 |
| Net loans and leases to total assets | 36.2700% | 4,172 |
| Net loans and leases to deposits | 43.0598% | 4,132 |
| Net loans and leases to core deposits | 43.4676% | 4,186 |
| Total domestic deposits to total assets | 84.2300% | 2,709 |
| Equity capital to assets | 7.3261% | 3,454 |
| Core capital (leverage) ratio | 12.9671% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2992% | 227 |
| Memoranda: | ||
| Average total assets | $498,391,750 | 1,733 |
| Average earning assets | $476,845,250 | 1,693 |
| Average equity | $37,208,750 | 1,958 |
| Average total loans | $173,218,750 | 2,506 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7384% | 4,592 |
| Cost of funding earning assets | 0.3307% | 4,269 |
| Net interest margin | 2.4077% | 4,292 |
| Noninterest income to average assets | 1.7800% | 273 |
| Noninterest expense to average assets | 2.9757% | 1,081 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0348% | 2,301 |
| Return on assets (ROA) | 1.0368% | 2,289 |
| Pretax return on assets | 1.0368% | 2,810 |
| Return on Equity (ROE) | 13.8000% | 1,726 |
| Retained earnings to average equity (ytd only) | 5.0581% | 2,919 |
| Net charge-offs to loans | 0.0342% | 1,212 |
| Credit loss provision to net charge-offs | 620.6897% | 563 |
| Earnings coverage of net charge-offs (x) | 95.1379% | 966 |
| Efficiency ratio | 72.8845% | 1,465 |
| Assets per employee ($millions) | 5.0618% | 3,544 |
| Cash dividends to net income (ytd only)* | 63.3514% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 1,196 |
| Loan loss allowance to noncurrent loans | 2,355.7522% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 3,585 |
| Noncurrent loans to loans | 0.0635% | 3,250 |
| Net loans and leases to total assets | 35.3400% | 4,199 |
| Net loans and leases to deposits | 39.6704% | 4,222 |
| Net loans and leases to core deposits | 40.0255% | 4,255 |
| Total domestic deposits to total assets | 89.0700% | 1,236 |
| Equity capital to assets | 7.6048% | 3,465 |
| Core capital (leverage) ratio | 12.9123% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1849% | 190 |
| Memoranda: | ||
| Average total assets | $498,445,000 | 1,731 |
| Average earning assets | $477,135,667 | 1,694 |
| Average equity | $37,444,667 | 1,960 |
| Average total loans | $169,815,667 | 2,527 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6539% | 4,624 |
| Cost of funding earning assets | 0.2825% | 4,233 |
| Net interest margin | 2.3714% | 4,403 |
| Noninterest income to average assets | 1.7900% | 267 |
| Noninterest expense to average assets | 2.9589% | 1,135 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.0279% | 2,447 |
| Return on assets (ROA) | 1.0279% | 2,411 |
| Pretax return on assets | 1.0279% | 2,910 |
| Return on Equity (ROE) | 13.7700% | 1,822 |
| Retained earnings to average equity (ytd only) | 5.0932% | 3,006 |
| Net charge-offs to loans | 0.0217% | 1,246 |
| Credit loss provision to net charge-offs | 1,000.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 152.6667% | 603 |
| Efficiency ratio | 72.8994% | 1,447 |
| Assets per employee ($millions) | 5.1222% | 3,556 |
| Cash dividends to net income (ytd only)* | 63.0062% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5405% | 1,148 |
| Loan loss allowance to noncurrent loans | 2,273.6842% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 3,564 |
| Noncurrent loans to loans | 0.0678% | 3,247 |
| Net loans and leases to total assets | 33.3400% | 4,287 |
| Net loans and leases to deposits | 37.3465% | 4,286 |
| Net loans and leases to core deposits | 37.7803% | 4,322 |
| Total domestic deposits to total assets | 89.2800% | 1,428 |
| Equity capital to assets | 7.8373% | 3,352 |
| Core capital (leverage) ratio | 12.7310% | 1,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2478% | 191 |
| Memoranda: | ||
| Average total assets | $499,639,000 | 1,743 |
| Average earning assets | $478,537,000 | 1,707 |
| Average equity | $37,305,000 | 1,993 |
| Average total loans | $165,749,000 | 2,581 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4336% | 4,524 |
| Cost of funding earning assets | 0.0739% | 4,495 |
| Net interest margin | 2.3597% | 4,385 |
| Noninterest income to average assets | 1.6400% | 313 |
| Noninterest expense to average assets | 2.7116% | 1,524 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1466% | 1,987 |
| Return on assets (ROA) | 1.1466% | 1,928 |
| Pretax return on assets | 1.1466% | 2,622 |
| Return on Equity (ROE) | 13.5500% | 1,642 |
| Retained earnings to average equity (ytd only) | 6.2713% | 2,545 |
| Net charge-offs to loans | 0.0706% | 938 |
| Credit loss provision to net charge-offs | 262.1359% | 978 |
| Earnings coverage of net charge-offs (x) | 59.9806% | 1,256 |
| Efficiency ratio | 69.3400% | 1,779 |
| Assets per employee ($millions) | 5.1268% | 3,573 |
| Cash dividends to net income (ytd only)* | 53.7238% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 1,098 |
| Loan loss allowance to noncurrent loans | 2,092.5000% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 3,596 |
| Noncurrent loans to loans | 0.0735% | 3,234 |
| Net loans and leases to total assets | 31.9900% | 4,339 |
| Net loans and leases to deposits | 35.1883% | 4,363 |
| Net loans and leases to core deposits | 35.5473% | 4,382 |
| Total domestic deposits to total assets | 90.9100% | 991 |
| Equity capital to assets | 7.0996% | 3,618 |
| Core capital (leverage) ratio | 12.5399% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5289% | 185 |
| Memoranda: | ||
| Average total assets | $515,265,200 | 1,683 |
| Average earning assets | $495,102,600 | 1,647 |
| Average equity | $43,595,200 | 1,800 |
| Average total loans | $145,985,400 | 2,668 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3739% | 4,507 |
| Cost of funding earning assets | 0.0484% | 4,584 |
| Net interest margin | 2.3255% | 4,389 |
| Noninterest income to average assets | 1.6500% | 327 |
| Noninterest expense to average assets | 2.6855% | 1,503 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1585% | 1,859 |
| Return on assets (ROA) | 1.1585% | 1,835 |
| Pretax return on assets | 1.1585% | 2,529 |
| Return on Equity (ROE) | 13.1800% | 1,649 |
| Retained earnings to average equity (ytd only) | 6.4476% | 2,574 |
| Net charge-offs to loans | 0.0932% | 665 |
| Credit loss provision to net charge-offs | 181.8182% | 1,032 |
| Earnings coverage of net charge-offs (x) | 47.3232% | 1,314 |
| Efficiency ratio | 69.0309% | 1,885 |
| Assets per employee ($millions) | 5.4271% | 3,295 |
| Cash dividends to net income (ytd only)* | 51.0766% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 1,152 |
| Loan loss allowance to noncurrent loans | 1,866.1538% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 3,531 |
| Noncurrent loans to loans | 0.0835% | 3,282 |
| Net loans and leases to total assets | 30.3500% | 4,412 |
| Net loans and leases to deposits | 32.7176% | 4,446 |
| Net loans and leases to core deposits | 33.0409% | 4,466 |
| Total domestic deposits to total assets | 92.7800% | 637 |
| Equity capital to assets | 6.8721% | 3,578 |
| Core capital (leverage) ratio | 12.0214% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6750% | 184 |
| Memoranda: | ||
| Average total assets | $518,475,750 | 1,692 |
| Average earning assets | $498,637,250 | 1,645 |
| Average equity | $45,576,500 | 1,761 |
| Average total loans | $141,672,250 | 2,719 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3008% | 4,521 |
| Cost of funding earning assets | 0.0430% | 4,632 |
| Net interest margin | 2.2578% | 4,375 |
| Noninterest income to average assets | 1.6495% | 293 |
| Noninterest expense to average assets | 2.6341% | 1,542 |
| Loan and lease loss provision to assets | 0.0344% | 1,958 |
| Net operating income to assets | 1.1513% | 1,598 |
| Return on assets (ROA) | 1.1513% | 1,578 |
| Pretax return on assets | 1.1513% | 2,237 |
| Return on Equity (ROE) | 12.2381% | 1,606 |
| Retained earnings to average equity (ytd only) | 6.1658% | 2,282 |
| Net charge-offs to loans | 0.0832% | 656 |
| Credit loss provision to net charge-offs | 157.8947% | 1,074 |
| Earnings coverage of net charge-offs (x) | 54.4035% | 1,122 |
| Efficiency ratio | 68.9590% | 2,110 |
| Assets per employee ($millions) | 5.2664% | 3,460 |
| Cash dividends to net income (ytd only)* | 49.6181% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 1,051 |
| Loan loss allowance to noncurrent loans | 1,218.9744% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 3,610 |
| Noncurrent loans to loans | 0.1352% | 3,032 |
| Net loans and leases to total assets | 26.9336% | 4,540 |
| Net loans and leases to deposits | 29.0512% | 4,572 |
| Net loans and leases to core deposits | 29.5252% | 4,578 |
| Total domestic deposits to total assets | 92.7109% | 585 |
| Equity capital to assets | 7.0179% | 3,759 |
| Core capital (leverage) ratio | 11.7681% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0334% | 149 |
| Memoranda: | ||
| Average total assets | $523,060,667 | 1,690 |
| Average earning assets | $502,791,667 | 1,650 |
| Average equity | $49,207,000 | 1,702 |
| Average total loans | $137,018,333 | 2,772 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2542% | 4,493 |
| Cost of funding earning assets | 0.0431% | 4,647 |
| Net interest margin | 2.2111% | 4,335 |
| Noninterest income to average assets | 1.6951% | 301 |
| Noninterest expense to average assets | 2.6758% | 1,414 |
| Loan and lease loss provision to assets | 0.0345% | 1,746 |
| Net operating income to assets | 1.1119% | 1,499 |
| Return on assets (ROA) | 1.1119% | 1,489 |
| Pretax return on assets | 1.1119% | 2,103 |
| Return on Equity (ROE) | 10.4751% | 1,804 |
| Retained earnings to average equity (ytd only) | 5.4653% | 2,426 |
| Net charge-offs to loans | 0.1079% | 493 |
| Credit loss provision to net charge-offs | 125.0000% | 914 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 997 |
| Efficiency ratio | 70.0060% | 2,231 |
| Assets per employee ($millions) | 5.2291% | 3,562 |
| Cash dividends to net income (ytd only)* | 47.8261% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 897 |
| Loan loss allowance to noncurrent loans | 343.3577% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 2,881 |
| Noncurrent loans to loans | 0.5212% | 1,725 |
| Net loans and leases to total assets | 24.6827% | 4,604 |
| Net loans and leases to deposits | 27.3743% | 4,615 |
| Net loans and leases to core deposits | 27.6177% | 4,622 |
| Total domestic deposits to total assets | 90.1674% | 1,467 |
| Equity capital to assets | 9.4863% | 2,293 |
| Core capital (leverage) ratio | 11.5602% | 1,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0766% | 131 |
| Memoranda: | ||
| Average total assets | $521,273,000 | 1,704 |
| Average earning assets | $501,463,000 | 1,666 |
| Average equity | $55,331,000 | 1,586 |
| Average total loans | $133,418,000 | 2,815 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4010% | 4,540 |
| Cost of funding earning assets | 0.0546% | 4,666 |
| Net interest margin | 2.3464% | 4,374 |
| Noninterest income to average assets | 1.6686% | 410 |
| Noninterest expense to average assets | 2.7304% | 1,548 |
| Loan and lease loss provision to assets | 0.0308% | 2,439 |
| Net operating income to assets | 1.1604% | 2,059 |
| Return on assets (ROA) | 1.1604% | 2,120 |
| Pretax return on assets | 1.1604% | 2,789 |
| Return on Equity (ROE) | 8.9912% | 2,913 |
| Retained earnings to average equity (ytd only) | 4.2136% | 3,125 |
| Net charge-offs to loans | 0.0770% | 1,026 |
| Credit loss provision to net charge-offs | 142.8571% | 1,522 |
| Earnings coverage of net charge-offs (x) | 55.1810% | 1,235 |
| Efficiency ratio | 69.6252% | 1,783 |
| Assets per employee ($millions) | 5.0944% | 3,651 |
| Cash dividends to net income (ytd only)* | 53.1361% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 981 |
| Loan loss allowance to noncurrent loans | 654.7486% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 3,482 |
| Noncurrent loans to loans | 0.2644% | 2,659 |
| Net loans and leases to total assets | 25.6087% | 4,636 |
| Net loans and leases to deposits | 29.1880% | 4,639 |
| Net loans and leases to core deposits | 29.4175% | 4,654 |
| Total domestic deposits to total assets | 87.7369% | 2,176 |
| Equity capital to assets | 11.7500% | 1,369 |
| Core capital (leverage) ratio | 11.6453% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8472% | 135 |
| Memoranda: | ||
| Average total assets | $486,404,000 | 1,729 |
| Average earning assets | $467,057,800 | 1,697 |
| Average equity | $62,772,600 | 1,461 |
| Average total loans | $136,427,600 | 2,766 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4400% | 4,609 |
| Cost of funding earning assets | 0.0593% | 4,739 |
| Net interest margin | 2.3807% | 4,419 |
| Noninterest income to average assets | 1.6649% | 456 |
| Noninterest expense to average assets | 2.7575% | 1,441 |
| Loan and lease loss provision to assets | 0.0358% | 2,287 |
| Net operating income to assets | 1.1562% | 2,338 |
| Return on assets (ROA) | 1.1562% | 2,398 |
| Pretax return on assets | 1.1562% | 3,055 |
| Return on Equity (ROE) | 8.7464% | 3,185 |
| Retained earnings to average equity (ytd only) | 4.2783% | 3,486 |
| Net charge-offs to loans | 0.0780% | 886 |
| Credit loss provision to net charge-offs | 160.0000% | 1,319 |
| Earnings coverage of net charge-offs (x) | 53.4250% | 1,204 |
| Efficiency ratio | 69.8206% | 1,620 |
| Assets per employee ($millions) | 5.0299% | 3,671 |
| Cash dividends to net income (ytd only)* | 51.0854% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7726% | 983 |
| Loan loss allowance to noncurrent loans | 611.1979% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 3,597 |
| Noncurrent loans to loans | 0.2900% | 2,753 |
| Net loans and leases to total assets | 25.8578% | 4,705 |
| Net loans and leases to deposits | 29.7727% | 4,704 |
| Net loans and leases to core deposits | 29.9808% | 4,725 |
| Total domestic deposits to total assets | 86.8509% | 2,406 |
| Equity capital to assets | 12.8056% | 1,052 |
| Core capital (leverage) ratio | 11.8104% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.8726% | 133 |
| Memoranda: | ||
| Average total assets | $478,096,750 | 1,769 |
| Average earning assets | $458,785,250 | 1,734 |
| Average equity | $63,201,500 | 1,474 |
| Average total loans | $136,680,750 | 2,802 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3496% | 4,698 |
| Cost of funding earning assets | 0.0635% | 4,772 |
| Net interest margin | 2.2861% | 4,530 |
| Noninterest income to average assets | 1.6543% | 451 |
| Noninterest expense to average assets | 2.7586% | 1,447 |
| Loan and lease loss provision to assets | 0.0447% | 2,117 |
| Net operating income to assets | 1.0421% | 2,749 |
| Return on assets (ROA) | 1.0421% | 2,828 |
| Pretax return on assets | 1.0421% | 3,349 |
| Return on Equity (ROE) | 7.7963% | 3,455 |
| Retained earnings to average equity (ytd only) | 3.5033% | 3,688 |
| Net charge-offs to loans | 0.0840% | 840 |
| Credit loss provision to net charge-offs | 181.0345% | 1,085 |
| Earnings coverage of net charge-offs (x) | 44.0172% | 1,120 |
| Efficiency ratio | 71.7370% | 1,458 |
| Assets per employee ($millions) | 4.9547% | 3,696 |
| Cash dividends to net income (ytd only)* | 55.0654% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 1,004 |
| Loan loss allowance to noncurrent loans | 1,413.2530% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 4,026 |
| Noncurrent loans to loans | 0.1224% | 3,581 |
| Net loans and leases to total assets | 26.9065% | 4,730 |
| Net loans and leases to deposits | 30.8967% | 4,743 |
| Net loans and leases to core deposits | 31.0789% | 4,757 |
| Total domestic deposits to total assets | 87.0855% | 2,272 |
| Equity capital to assets | 12.6269% | 1,075 |
| Core capital (leverage) ratio | 11.8541% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.3594% | 125 |
| Memoranda: | ||
| Average total assets | $469,800,667 | 1,785 |
| Average earning assets | $450,293,333 | 1,757 |
| Average equity | $62,798,667 | 1,469 |
| Average total loans | $138,105,000 | 2,801 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4297% | 4,698 |
| Cost of funding earning assets | 0.0686% | 4,798 |
| Net interest margin | 2.3611% | 4,459 |
| Noninterest income to average assets | 1.6509% | 515 |
| Noninterest expense to average assets | 2.8221% | 1,323 |
| Loan and lease loss provision to assets | 0.0464% | 2,153 |
| Net operating income to assets | 1.0434% | 2,659 |
| Return on assets (ROA) | 1.0434% | 2,742 |
| Pretax return on assets | 1.0434% | 3,249 |
| Return on Equity (ROE) | 7.5782% | 3,456 |
| Retained earnings to average equity (ytd only) | 3.0898% | 3,753 |
| Net charge-offs to loans | 0.0660% | 881 |
| Credit loss provision to net charge-offs | 230.4348% | 845 |
| Earnings coverage of net charge-offs (x) | 54.1304% | 865 |
| Efficiency ratio | 72.1414% | 1,482 |
| Assets per employee ($millions) | 4.8763% | 3,775 |
| Cash dividends to net income (ytd only)* | 59.2282% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6755% | 1,101 |
| Loan loss allowance to noncurrent loans | 718.8272% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 3,815 |
| Noncurrent loans to loans | 0.2331% | 3,270 |
| Net loans and leases to total assets | 28.8956% | 4,725 |
| Net loans and leases to deposits | 33.4374% | 4,735 |
| Net loans and leases to core deposits | 33.6704% | 4,763 |
| Total domestic deposits to total assets | 86.4170% | 2,567 |
| Equity capital to assets | 13.0240% | 908 |
| Core capital (leverage) ratio | 12.8732% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6399% | 120 |
| Memoranda: | ||
| Average total assets | $456,967,500 | 1,821 |
| Average earning assets | $437,589,500 | 1,787 |
| Average equity | $62,917,000 | 1,454 |
| Average total loans | $139,328,000 | 2,791 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8778% | 4,714 |
| Cost of funding earning assets | 0.1222% | 4,808 |
| Net interest margin | 2.7556% | 4,317 |
| Noninterest income to average assets | 1.7675% | 404 |
| Noninterest expense to average assets | 3.0820% | 1,270 |
| Loan and lease loss provision to assets | 0.0865% | 3,285 |
| Net operating income to assets | 1.2152% | 1,500 |
| Return on assets (ROA) | 1.2152% | 1,615 |
| Pretax return on assets | 1.2152% | 2,277 |
| Return on Equity (ROE) | 8.0748% | 2,785 |
| Retained earnings to average equity (ytd only) | 2.8892% | 3,423 |
| Net charge-offs to loans | 0.2108% | 824 |
| Credit loss provision to net charge-offs | 123.6934% | 2,610 |
| Earnings coverage of net charge-offs (x) | 18.6098% | 2,015 |
| Efficiency ratio | 70.3047% | 1,907 |
| Assets per employee ($millions) | 4.3229% | 4,096 |
| Cash dividends to net income (ytd only)* | 64.2198% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 1,174 |
| Loan loss allowance to noncurrent loans | 503.0635% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 3,787 |
| Noncurrent loans to loans | 0.3272% | 3,029 |
| Net loans and leases to total assets | 31.1502% | 4,731 |
| Net loans and leases to deposits | 36.6368% | 4,731 |
| Net loans and leases to core deposits | 36.8796% | 4,765 |
| Total domestic deposits to total assets | 85.0242% | 2,750 |
| Equity capital to assets | 14.5669% | 665 |
| Core capital (leverage) ratio | 13.0953% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.2275% | 115 |
| Memoranda: | ||
| Average total assets | $410,288,800 | 1,829 |
| Average earning assets | $389,532,200 | 1,797 |
| Average equity | $61,748,000 | 1,416 |
| Average total loans | $136,137,800 | 2,789 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1334% | 4,645 |
| Cost of funding earning assets | 0.1325% | 4,853 |
| Net interest margin | 3.0009% | 3,977 |
| Noninterest income to average assets | 1.7875% | 371 |
| Noninterest expense to average assets | 3.2025% | 1,073 |
| Loan and lease loss provision to assets | 0.1003% | 3,065 |
| Net operating income to assets | 1.3276% | 1,292 |
| Return on assets (ROA) | 1.3276% | 1,377 |
| Pretax return on assets | 1.3276% | 1,945 |
| Return on Equity (ROE) | 8.7443% | 2,501 |
| Retained earnings to average equity (ytd only) | 3.3001% | 3,393 |
| Net charge-offs to loans | 0.1794% | 831 |
| Credit loss provision to net charge-offs | 166.4835% | 2,242 |
| Earnings coverage of net charge-offs (x) | 23.6923% | 1,785 |
| Efficiency ratio | 69.1626% | 2,015 |
| Assets per employee ($millions) | 4.3241% | 4,024 |
| Cash dividends to net income (ytd only)* | 62.2599% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6214% | 1,041 |
| Loan loss allowance to noncurrent loans | 430.7692% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 3,779 |
| Noncurrent loans to loans | 0.3764% | 2,938 |
| Net loans and leases to total assets | 33.6760% | 4,748 |
| Net loans and leases to deposits | 39.8708% | 4,753 |
| Net loans and leases to core deposits | 40.1472% | 4,782 |
| Total domestic deposits to total assets | 84.4629% | 2,650 |
| Equity capital to assets | 15.1511% | 604 |
| Core capital (leverage) ratio | 13.3095% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.8418% | 111 |
| Memoranda: | ||
| Average total assets | $402,628,000 | 1,834 |
| Average earning assets | $381,430,500 | 1,810 |
| Average equity | $61,127,500 | 1,417 |
| Average total loans | $135,259,750 | 2,812 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3787% | 4,560 |
| Cost of funding earning assets | 0.1439% | 4,892 |
| Net interest margin | 3.2348% | 3,567 |
| Noninterest income to average assets | 1.8095% | 336 |
| Noninterest expense to average assets | 3.3146% | 971 |
| Loan and lease loss provision to assets | 0.1264% | 2,764 |
| Net operating income to assets | 1.4247% | 1,062 |
| Return on assets (ROA) | 1.4247% | 1,153 |
| Pretax return on assets | 1.4247% | 1,665 |
| Return on Equity (ROE) | 9.3774% | 2,212 |
| Retained earnings to average equity (ytd only) | 4.1230% | 2,851 |
| Net charge-offs to loans | 0.2333% | 675 |
| Credit loss provision to net charge-offs | 162.3377% | 2,071 |
| Earnings coverage of net charge-offs (x) | 19.9221% | 1,699 |
| Efficiency ratio | 68.1214% | 2,221 |
| Assets per employee ($millions) | 4.2845% | 4,019 |
| Cash dividends to net income (ytd only)* | 56.0326% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 994 |
| Loan loss allowance to noncurrent loans | 488.8655% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 3,973 |
| Noncurrent loans to loans | 0.3285% | 3,213 |
| Net loans and leases to total assets | 33.2786% | 4,796 |
| Net loans and leases to deposits | 39.2357% | 4,812 |
| Net loans and leases to core deposits | 39.4759% | 4,831 |
| Total domestic deposits to total assets | 84.8172% | 2,467 |
| Equity capital to assets | 14.8600% | 644 |
| Core capital (leverage) ratio | 13.7842% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $395,584,333 | 1,826 |
| Average earning assets | $373,752,333 | 1,809 |
| Average equity | $60,102,000 | 1,427 |
| Average total loans | $131,994,000 | 2,840 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2395% | 4,851 |
| Cost of funding earning assets | 0.1652% | 4,949 |
| Net interest margin | 3.0743% | 4,147 |
| Noninterest income to average assets | 1.9739% | 276 |
| Noninterest expense to average assets | 3.4414% | 1,017 |
| Loan and lease loss provision to assets | 0.0717% | 2,836 |
| Net operating income to assets | 1.3472% | 1,114 |
| Return on assets (ROA) | 1.3472% | 1,201 |
| Pretax return on assets | 1.3472% | 1,726 |
| Return on Equity (ROE) | 8.7587% | 2,207 |
| Retained earnings to average equity (ytd only) | 2.5926% | 3,233 |
| Net charge-offs to loans | 0.2931% | 495 |
| Credit loss provision to net charge-offs | 73.9130% | 1,960 |
| Earnings coverage of net charge-offs (x) | 14.6196% | 1,591 |
| Efficiency ratio | 70.8053% | 2,246 |
| Assets per employee ($millions) | 3.6077% | 4,378 |
| Cash dividends to net income (ytd only)* | 70.3994% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 765 |
| Loan loss allowance to noncurrent loans | 435.3057% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 3,969 |
| Noncurrent loans to loans | 0.4046% | 3,039 |
| Net loans and leases to total assets | 32.5015% | 4,853 |
| Net loans and leases to deposits | 38.9009% | 4,856 |
| Net loans and leases to core deposits | 39.0982% | 4,888 |
| Total domestic deposits to total assets | 83.5495% | 2,930 |
| Equity capital to assets | 15.6110% | 651 |
| Core capital (leverage) ratio | 14.6509% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $379,150,500 | 1,848 |
| Average earning assets | $355,980,500 | 1,824 |
| Average equity | $58,319,000 | 1,450 |
| Average total loans | $125,536,000 | 2,893 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2163% | 4,991 |
| Cost of funding earning assets | 0.1602% | 5,033 |
| Net interest margin | 3.0561% | 4,439 |
| Noninterest income to average assets | 1.8681% | 290 |
| Noninterest expense to average assets | 3.3928% | 1,127 |
| Loan and lease loss provision to assets | 0.0628% | 2,781 |
| Net operating income to assets | 1.3094% | 1,651 |
| Return on assets (ROA) | 1.3094% | 1,730 |
| Pretax return on assets | 1.3094% | 2,479 |
| Return on Equity (ROE) | 8.9777% | 2,767 |
| Retained earnings to average equity (ytd only) | 2.7538% | 3,660 |
| Net charge-offs to loans | 0.1604% | 1,255 |
| Credit loss provision to net charge-offs | 120.0000% | 2,108 |
| Earnings coverage of net charge-offs (x) | 26.2050% | 1,704 |
| Efficiency ratio | 71.2017% | 1,989 |
| Assets per employee ($millions) | 4.1250% | 3,728 |
| Cash dividends to net income (ytd only)* | 69.3261% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 691 |
| Loan loss allowance to noncurrent loans | 362.7642% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 3,831 |
| Noncurrent loans to loans | 0.4891% | 2,722 |
| Net loans and leases to total assets | 32.5476% | 4,925 |
| Net loans and leases to deposits | 38.6175% | 4,930 |
| Net loans and leases to core deposits | 38.8107% | 4,967 |
| Total domestic deposits to total assets | 84.2818% | 2,762 |
| Equity capital to assets | 15.1524% | 760 |
| Core capital (leverage) ratio | 14.2610% | 860 |
| Tier 1 risk-based capital ratio | 42.7781% | 201 |
| Total risk-based capital ratio | 44.0336% | 195 |
| Memoranda: | ||
| Average total assets | $381,931,000 | 1,795 |
| Average earning assets | $362,027,600 | 1,774 |
| Average equity | $55,704,400 | 1,453 |
| Average total loans | $124,723,200 | 2,881 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2132% | 5,089 |
| Cost of funding earning assets | 0.1565% | 5,116 |
| Net interest margin | 3.0566% | 4,548 |
| Noninterest income to average assets | 1.8581% | 299 |
| Noninterest expense to average assets | 3.3868% | 1,122 |
| Loan and lease loss provision to assets | 0.0627% | 2,642 |
| Net operating income to assets | 1.3077% | 1,823 |
| Return on assets (ROA) | 1.3077% | 1,910 |
| Pretax return on assets | 1.3077% | 2,641 |
| Return on Equity (ROE) | 9.0536% | 2,867 |
| Retained earnings to average equity (ytd only) | 2.8546% | 3,949 |
| Net charge-offs to loans | 0.1210% | 1,290 |
| Credit loss provision to net charge-offs | 159.2920% | 1,561 |
| Earnings coverage of net charge-offs (x) | 34.7972% | 1,485 |
| Efficiency ratio | 71.1920% | 1,944 |
| Assets per employee ($millions) | 4.6169% | 3,022 |
| Cash dividends to net income (ytd only)* | 68.4702% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8268% | 644 |
| Loan loss allowance to noncurrent loans | 340.2108% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 3,915 |
| Noncurrent loans to loans | 0.5370% | 2,677 |
| Net loans and leases to total assets | 30.2230% | 5,051 |
| Net loans and leases to deposits | 35.4798% | 5,071 |
| Net loans and leases to core deposits | 35.6191% | 5,086 |
| Total domestic deposits to total assets | 85.1836% | 2,360 |
| Equity capital to assets | 14.2572% | 1,056 |
| Core capital (leverage) ratio | 14.5481% | 844 |
| Tier 1 risk-based capital ratio | 43.0814% | 197 |
| Total risk-based capital ratio | 44.3381% | 191 |
| Memoranda: | ||
| Average total assets | $382,539,500 | 1,808 |
| Average earning assets | $362,830,500 | 1,789 |
| Average equity | $55,254,750 | 1,465 |
| Average total loans | $124,467,000 | 2,913 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2620% | 5,134 |
| Cost of funding earning assets | 0.1558% | 5,153 |
| Net interest margin | 3.1062% | 4,521 |
| Noninterest income to average assets | 1.8152% | 303 |
| Noninterest expense to average assets | 3.4453% | 1,033 |
| Loan and lease loss provision to assets | 0.0638% | 2,538 |
| Net operating income to assets | 1.2521% | 1,950 |
| Return on assets (ROA) | 1.2521% | 2,005 |
| Pretax return on assets | 1.2521% | 2,738 |
| Return on Equity (ROE) | 8.6289% | 3,012 |
| Retained earnings to average equity (ytd only) | 2.5099% | 3,941 |
| Net charge-offs to loans | 0.0930% | 1,429 |
| Credit loss provision to net charge-offs | 206.8966% | 1,173 |
| Earnings coverage of net charge-offs (x) | 42.6724% | 1,201 |
| Efficiency ratio | 72.3618% | 1,868 |
| Assets per employee ($millions) | 4.2654% | 3,486 |
| Cash dividends to net income (ytd only)* | 70.9130% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7974% | 685 |
| Loan loss allowance to noncurrent loans | 379.4613% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 3,900 |
| Noncurrent loans to loans | 0.4737% | 2,858 |
| Net loans and leases to total assets | 32.8091% | 5,052 |
| Net loans and leases to deposits | 38.8077% | 5,067 |
| Net loans and leases to core deposits | 38.9715% | 5,094 |
| Total domestic deposits to total assets | 84.5428% | 2,670 |
| Equity capital to assets | 15.1428% | 775 |
| Core capital (leverage) ratio | 14.5504% | 812 |
| Tier 1 risk-based capital ratio | 42.9123% | 198 |
| Total risk-based capital ratio | 44.1685% | 191 |
| Memoranda: | ||
| Average total assets | $376,162,330 | 1,842 |
| Average earning assets | $356,770,000 | 1,815 |
| Average equity | $54,584,000 | 1,467 |
| Average total loans | $124,737,330 | 2,929 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2754% | 5,182 |
| Cost of funding earning assets | 0.1479% | 5,213 |
| Net interest margin | 3.1275% | 4,542 |
| Noninterest income to average assets | 1.7856% | 288 |
| Noninterest expense to average assets | 3.4926% | 971 |
| Loan and lease loss provision to assets | 0.0637% | 2,391 |
| Net operating income to assets | 1.1940% | 2,080 |
| Return on assets (ROA) | 1.1940% | 2,131 |
| Pretax return on assets | 1.1940% | 2,829 |
| Return on Equity (ROE) | 8.4107% | 3,074 |
| Retained earnings to average equity (ytd only) | 2.1550% | 4,024 |
| Net charge-offs to loans | 0.0611% | 1,429 |
| Credit loss provision to net charge-offs | 315.7895% | 796 |
| Earnings coverage of net charge-offs (x) | 62.3158% | 897 |
| Efficiency ratio | 73.5242% | 1,815 |
| Assets per employee ($millions) | 4.1117% | 3,750 |
| Cash dividends to net income (ytd only)* | 74.3772% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8076% | 701 |
| Loan loss allowance to noncurrent loans | 322.0779% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 3,818 |
| Noncurrent loans to loans | 0.5612% | 2,640 |
| Net loans and leases to total assets | 32.4047% | 5,104 |
| Net loans and leases to deposits | 38.1325% | 5,110 |
| Net loans and leases to core deposits | 38.2936% | 5,132 |
| Total domestic deposits to total assets | 84.9792% | 2,684 |
| Equity capital to assets | 14.5809% | 863 |
| Core capital (leverage) ratio | 14.3471% | 855 |
| Tier 1 risk-based capital ratio | 43.2127% | 182 |
| Total risk-based capital ratio | 44.4693% | 179 |
| Memoranda: | ||
| Average total assets | $376,564,000 | 1,852 |
| Average earning assets | $356,966,000 | 1,819 |
| Average equity | $53,456,000 | 1,486 |
| Average total loans | $124,403,000 | 2,974 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1392% | 5,177 |
| Cost of funding earning assets | 0.1280% | 5,228 |
| Net interest margin | 3.0112% | 4,789 |
| Noninterest income to average assets | 1.7837% | 316 |
| Noninterest expense to average assets | 3.2149% | 1,514 |
| Loan and lease loss provision to assets | 0.0628% | 2,902 |
| Net operating income to assets | 1.3661% | 1,548 |
| Return on assets (ROA) | 1.3661% | 1,536 |
| Pretax return on assets | 1.3661% | 2,257 |
| Return on Equity (ROE) | 10.2099% | 2,438 |
| Retained earnings to average equity (ytd only) | 4.3299% | 3,160 |
| Net charge-offs to loans | 0.1554% | 1,239 |
| Credit loss provision to net charge-offs | 123.7113% | 2,113 |
| Earnings coverage of net charge-offs (x) | 28.1598% | 1,662 |
| Efficiency ratio | 69.2312% | 2,338 |
| Assets per employee ($millions) | 3.9891% | 3,906 |
| Cash dividends to net income (ytd only)* | 57.5914% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7490% | 754 |
| Loan loss allowance to noncurrent loans | 381.2174% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 3,999 |
| Noncurrent loans to loans | 0.4588% | 2,894 |
| Net loans and leases to total assets | 32.4926% | 5,159 |
| Net loans and leases to deposits | 38.0054% | 5,154 |
| Net loans and leases to core deposits | 38.2815% | 5,186 |
| Total domestic deposits to total assets | 85.4948% | 2,438 |
| Equity capital to assets | 13.8154% | 1,026 |
| Core capital (leverage) ratio | 14.2691% | 849 |
| Tier 1 risk-based capital ratio | 41.5806% | 212 |
| Total risk-based capital ratio | 42.8362% | 211 |
| Memoranda: | ||
| Average total assets | $382,340,600 | 1,791 |
| Average earning assets | $363,145,600 | 1,757 |
| Average equity | $51,156,400 | 1,484 |
| Average total loans | $124,877,800 | 2,941 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0944% | 5,250 |
| Cost of funding earning assets | 0.1248% | 5,289 |
| Net interest margin | 2.9696% | 4,891 |
| Noninterest income to average assets | 1.7728% | 332 |
| Noninterest expense to average assets | 3.1897% | 1,546 |
| Loan and lease loss provision to assets | 0.0626% | 2,721 |
| Net operating income to assets | 1.3441% | 1,684 |
| Return on assets (ROA) | 1.3441% | 1,698 |
| Pretax return on assets | 1.3441% | 2,453 |
| Return on Equity (ROE) | 10.1275% | 2,561 |
| Retained earnings to average equity (ytd only) | 4.2629% | 3,639 |
| Net charge-offs to loans | 0.1026% | 1,463 |
| Credit loss provision to net charge-offs | 187.5000% | 1,458 |
| Earnings coverage of net charge-offs (x) | 42.1135% | 1,311 |
| Efficiency ratio | 69.3944% | 2,288 |
| Assets per employee ($millions) | 4.1579% | 3,640 |
| Cash dividends to net income (ytd only)* | 57.9083% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7530% | 796 |
| Loan loss allowance to noncurrent loans | 343.4515% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 4,095 |
| Noncurrent loans to loans | 0.5104% | 2,855 |
| Net loans and leases to total assets | 33.0156% | 5,222 |
| Net loans and leases to deposits | 38.2707% | 5,241 |
| Net loans and leases to core deposits | 38.5462% | 5,261 |
| Total domestic deposits to total assets | 86.2685% | 2,071 |
| Equity capital to assets | 13.3584% | 1,187 |
| Core capital (leverage) ratio | 14.0262% | 931 |
| Tier 1 risk-based capital ratio | 42.0149% | 204 |
| Total risk-based capital ratio | 43.2715% | 201 |
| Memoranda: | ||
| Average total assets | $383,185,750 | 1,790 |
| Average earning assets | $364,350,750 | 1,755 |
| Average equity | $50,856,750 | 1,488 |
| Average total loans | $124,765,750 | 2,971 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0525% | 5,311 |
| Cost of funding earning assets | 0.1214% | 5,338 |
| Net interest margin | 2.9312% | 4,971 |
| Noninterest income to average assets | 1.7454% | 339 |
| Noninterest expense to average assets | 3.2090% | 1,513 |
| Loan and lease loss provision to assets | 0.0624% | 2,657 |
| Net operating income to assets | 1.2604% | 1,934 |
| Return on assets (ROA) | 1.2604% | 1,935 |
| Pretax return on assets | 1.2604% | 2,675 |
| Return on Equity (ROE) | 9.5171% | 2,792 |
| Retained earnings to average equity (ytd only) | 3.8696% | 3,669 |
| Net charge-offs to loans | 0.0968% | 1,386 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 42.4167% | 1,250 |
| Efficiency ratio | 70.8109% | 2,190 |
| Assets per employee ($millions) | 4.0042% | 3,888 |
| Cash dividends to net income (ytd only)* | 59.3402% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 793 |
| Loan loss allowance to noncurrent loans | 422.6054% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 4,316 |
| Noncurrent loans to loans | 0.4192% | 3,197 |
| Net loans and leases to total assets | 31.8216% | 5,292 |
| Net loans and leases to deposits | 36.7529% | 5,310 |
| Net loans and leases to core deposits | 37.2178% | 5,333 |
| Total domestic deposits to total assets | 86.5827% | 2,023 |
| Equity capital to assets | 13.1103% | 1,252 |
| Core capital (leverage) ratio | 13.7630% | 972 |
| Tier 1 risk-based capital ratio | 42.0040% | 206 |
| Total risk-based capital ratio | 43.2603% | 202 |
| Memoranda: | ||
| Average total assets | $384,791,000 | 1,792 |
| Average earning assets | $365,794,670 | 1,748 |
| Average equity | $50,961,000 | 1,491 |
| Average total loans | $123,971,000 | 2,993 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0153% | 5,362 |
| Cost of funding earning assets | 0.1181% | 5,398 |
| Net interest margin | 2.8972% | 5,032 |
| Noninterest income to average assets | 1.7133% | 342 |
| Noninterest expense to average assets | 3.1669% | 1,648 |
| Loan and lease loss provision to assets | 0.0623% | 2,529 |
| Net operating income to assets | 1.2374% | 1,857 |
| Return on assets (ROA) | 1.2374% | 1,867 |
| Pretax return on assets | 1.2374% | 2,608 |
| Return on Equity (ROE) | 9.2968% | 2,769 |
| Retained earnings to average equity (ytd only) | 3.8795% | 3,642 |
| Net charge-offs to loans | 0.1229% | 1,052 |
| Credit loss provision to net charge-offs | 157.8947% | 1,200 |
| Earnings coverage of net charge-offs (x) | 32.9211% | 1,190 |
| Efficiency ratio | 70.9002% | 2,361 |
| Assets per employee ($millions) | 4.1671% | 3,703 |
| Cash dividends to net income (ytd only)* | 58.2704% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7453% | 873 |
| Loan loss allowance to noncurrent loans | 463.2479% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 4,368 |
| Noncurrent loans to loans | 0.3768% | 3,433 |
| Net loans and leases to total assets | 31.4938% | 5,333 |
| Net loans and leases to deposits | 36.3546% | 5,353 |
| Net loans and leases to core deposits | 36.8098% | 5,380 |
| Total domestic deposits to total assets | 86.6296% | 2,264 |
| Equity capital to assets | 12.9880% | 1,252 |
| Core capital (leverage) ratio | 13.7608% | 928 |
| Tier 1 risk-based capital ratio | 41.6449% | 206 |
| Total risk-based capital ratio | 42.9007% | 205 |
| Memoranda: | ||
| Average total assets | $384,987,000 | 1,799 |
| Average earning assets | $365,865,000 | 1,762 |
| Average equity | $51,243,500 | 1,496 |
| Average total loans | $123,692,500 | 3,018 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0162% | 5,343 |
| Cost of funding earning assets | 0.1255% | 5,385 |
| Net interest margin | 2.8907% | 5,055 |
| Noninterest income to average assets | 1.7193% | 374 |
| Noninterest expense to average assets | 3.1554% | 1,710 |
| Loan and lease loss provision to assets | 0.0644% | 2,930 |
| Net operating income to assets | 1.2417% | 1,385 |
| Return on assets (ROA) | 1.2417% | 1,401 |
| Pretax return on assets | 1.2417% | 2,588 |
| Return on Equity (ROE) | 8.9883% | 2,323 |
| Retained earnings to average equity (ytd only) | 3.8496% | 2,907 |
| Net charge-offs to loans | 0.2019% | 1,276 |
| Credit loss provision to net charge-offs | 98.7654% | 2,632 |
| Earnings coverage of net charge-offs (x) | 20.0412% | 1,989 |
| Efficiency ratio | 70.7261% | 2,437 |
| Assets per employee ($millions) | 4.1122% | 3,793 |
| Cash dividends to net income (ytd only)* | 57.1706% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 875 |
| Loan loss allowance to noncurrent loans | 456.5957% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 4,411 |
| Noncurrent loans to loans | 0.3816% | 3,388 |
| Net loans and leases to total assets | 31.6446% | 5,401 |
| Net loans and leases to deposits | 36.8280% | 5,412 |
| Net loans and leases to core deposits | 37.2412% | 5,435 |
| Total domestic deposits to total assets | 85.9253% | 2,475 |
| Equity capital to assets | 13.6372% | 1,006 |
| Core capital (leverage) ratio | 13.2941% | 1,040 |
| Tier 1 risk-based capital ratio | 40.1619% | 212 |
| Total risk-based capital ratio | 41.4172% | 209 |
| Memoranda: | ||
| Average total assets | $372,885,200 | 1,823 |
| Average earning assets | $353,721,000 | 1,783 |
| Average equity | $51,511,200 | 1,490 |
| Average total loans | $120,345,600 | 3,058 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9809% | 5,424 |
| Cost of funding earning assets | 0.1278% | 5,440 |
| Net interest margin | 2.8531% | 5,154 |
| Noninterest income to average assets | 1.6939% | 397 |
| Noninterest expense to average assets | 3.1384% | 1,703 |
| Loan and lease loss provision to assets | 0.0648% | 2,778 |
| Net operating income to assets | 1.1980% | 1,702 |
| Return on assets (ROA) | 1.1980% | 1,734 |
| Pretax return on assets | 1.1980% | 2,915 |
| Return on Equity (ROE) | 8.6437% | 2,789 |
| Retained earnings to average equity (ytd only) | 3.4897% | 3,839 |
| Net charge-offs to loans | 0.2039% | 1,047 |
| Credit loss provision to net charge-offs | 98.3607% | 2,336 |
| Earnings coverage of net charge-offs (x) | 19.1752% | 2,013 |
| Efficiency ratio | 71.3083% | 2,323 |
| Assets per employee ($millions) | 4.0896% | 3,842 |
| Cash dividends to net income (ytd only)* | 59.6274% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7444% | 951 |
| Loan loss allowance to noncurrent loans | 584.4687% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 4,643 |
| Noncurrent loans to loans | 0.2985% | 3,872 |
| Net loans and leases to total assets | 31.7661% | 5,463 |
| Net loans and leases to deposits | 37.0112% | 5,481 |
| Net loans and leases to core deposits | 37.5010% | 5,503 |
| Total domestic deposits to total assets | 85.8285% | 2,381 |
| Equity capital to assets | 13.8836% | 1,026 |
| Core capital (leverage) ratio | 13.5665% | 1,003 |
| Tier 1 risk-based capital ratio | 40.5736% | 216 |
| Total risk-based capital ratio | 41.8288% | 210 |
| Memoranda: | ||
| Average total assets | $370,497,000 | 1,844 |
| Average earning assets | $351,567,500 | 1,807 |
| Average equity | $51,350,500 | 1,508 |
| Average total loans | $119,640,250 | 3,091 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9614% | 5,462 |
| Cost of funding earning assets | 0.1275% | 5,463 |
| Net interest margin | 2.8339% | 5,195 |
| Noninterest income to average assets | 1.7020% | 398 |
| Noninterest expense to average assets | 3.1289% | 1,770 |
| Loan and lease loss provision to assets | 0.0654% | 2,664 |
| Net operating income to assets | 1.1944% | 1,616 |
| Return on assets (ROA) | 1.1944% | 1,649 |
| Pretax return on assets | 1.1944% | 2,787 |
| Return on Equity (ROE) | 8.6227% | 2,707 |
| Retained earnings to average equity (ytd only) | 3.4443% | 3,662 |
| Net charge-offs to loans | 0.2177% | 942 |
| Credit loss provision to net charge-offs | 93.0233% | 2,109 |
| Earnings coverage of net charge-offs (x) | 17.9302% | 1,903 |
| Efficiency ratio | 71.2956% | 2,470 |
| Assets per employee ($millions) | 3.9376% | 4,070 |
| Cash dividends to net income (ytd only)* | 60.0547% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7889% | 909 |
| Loan loss allowance to noncurrent loans | 602.5352% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 4,732 |
| Noncurrent loans to loans | 0.2969% | 3,979 |
| Net loans and leases to total assets | 31.0665% | 5,523 |
| Net loans and leases to deposits | 36.1388% | 5,536 |
| Net loans and leases to core deposits | 36.6758% | 5,559 |
| Total domestic deposits to total assets | 85.9646% | 2,386 |
| Equity capital to assets | 13.7979% | 1,044 |
| Core capital (leverage) ratio | 13.5308% | 990 |
| Tier 1 risk-based capital ratio | 40.5711% | 204 |
| Total risk-based capital ratio | 41.8266% | 200 |
| Memoranda: | ||
| Average total assets | $367,218,330 | 1,861 |
| Average earning assets | $348,145,000 | 1,824 |
| Average equity | $50,866,000 | 1,519 |
| Average total loans | $118,533,000 | 3,114 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9369% | 5,514 |
| Cost of funding earning assets | 0.1284% | 5,502 |
| Net interest margin | 2.8085% | 5,225 |
| Noninterest income to average assets | 1.7345% | 385 |
| Noninterest expense to average assets | 3.2027% | 1,602 |
| Loan and lease loss provision to assets | 0.0663% | 2,475 |
| Net operating income to assets | 1.1254% | 1,773 |
| Return on assets (ROA) | 1.1254% | 1,806 |
| Pretax return on assets | 1.1254% | 2,883 |
| Return on Equity (ROE) | 8.1082% | 2,863 |
| Retained earnings to average equity (ytd only) | 2.7320% | 4,043 |
| Net charge-offs to loans | 0.2949% | 619 |
| Credit loss provision to net charge-offs | 68.9655% | 1,848 |
| Earnings coverage of net charge-offs (x) | 12.3908% | 1,841 |
| Efficiency ratio | 72.8805% | 2,425 |
| Assets per employee ($millions) | 4.1477% | 3,763 |
| Cash dividends to net income (ytd only)* | 66.3065% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 962 |
| Loan loss allowance to noncurrent loans | 571.6981% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 4,762 |
| Noncurrent loans to loans | 0.3144% | 3,996 |
| Net loans and leases to total assets | 31.3886% | 5,556 |
| Net loans and leases to deposits | 36.4968% | 5,566 |
| Net loans and leases to core deposits | 36.9922% | 5,601 |
| Total domestic deposits to total assets | 86.0037% | 2,660 |
| Equity capital to assets | 13.6509% | 1,019 |
| Core capital (leverage) ratio | 13.8913% | 872 |
| Tier 1 risk-based capital ratio | 40.5042% | 219 |
| Total risk-based capital ratio | 41.7596% | 214 |
| Memoranda: | ||
| Average total assets | $361,823,500 | 1,887 |
| Average earning assets | $342,672,500 | 1,857 |
| Average equity | $50,220,500 | 1,535 |
| Average total loans | $118,013,000 | 3,141 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0374% | 5,469 |
| Cost of funding earning assets | 0.1309% | 5,541 |
| Net interest margin | 2.9065% | 5,130 |
| Noninterest income to average assets | 1.6390% | 449 |
| Noninterest expense to average assets | 3.0010% | 2,352 |
| Loan and lease loss provision to assets | 0.0806% | 2,750 |
| Net operating income to assets | 1.3120% | 1,185 |
| Return on assets (ROA) | 1.3120% | 1,247 |
| Pretax return on assets | 1.3120% | 2,240 |
| Return on Equity (ROE) | 8.9860% | 2,426 |
| Retained earnings to average equity (ytd only) | 3.6586% | 3,312 |
| Net charge-offs to loans | 0.1767% | 1,556 |
| Credit loss provision to net charge-offs | 136.0190% | 1,995 |
| Earnings coverage of net charge-offs (x) | 23.5118% | 1,678 |
| Efficiency ratio | 68.3044% | 3,183 |
| Assets per employee ($millions) | 3.8118% | 4,286 |
| Cash dividends to net income (ytd only)* | 59.2854% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8198% | 919 |
| Loan loss allowance to noncurrent loans | 751.0490% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 5,020 |
| Noncurrent loans to loans | 0.2423% | 4,284 |
| Net loans and leases to total assets | 32.6903% | 5,582 |
| Net loans and leases to deposits | 38.5669% | 5,589 |
| Net loans and leases to core deposits | 39.1196% | 5,615 |
| Total domestic deposits to total assets | 84.7625% | 3,149 |
| Equity capital to assets | 14.1182% | 852 |
| Core capital (leverage) ratio | 13.6697% | 908 |
| Tier 1 risk-based capital ratio | 39.6571% | 226 |
| Total risk-based capital ratio | 40.9128% | 222 |
| Memoranda: | ||
| Average total assets | $356,243,200 | 1,871 |
| Average earning assets | $337,619,800 | 1,841 |
| Average equity | $52,014,200 | 1,474 |
| Average total loans | $119,388,200 | 3,078 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0498% | 5,530 |
| Cost of funding earning assets | 0.1309% | 5,607 |
| Net interest margin | 2.9189% | 5,154 |
| Noninterest income to average assets | 1.6306% | 464 |
| Noninterest expense to average assets | 2.9789% | 2,377 |
| Loan and lease loss provision to assets | 0.0927% | 2,372 |
| Net operating income to assets | 1.3330% | 1,202 |
| Return on assets (ROA) | 1.3330% | 1,287 |
| Pretax return on assets | 1.3255% | 2,329 |
| Return on Equity (ROE) | 9.0553% | 2,458 |
| Retained earnings to average equity (ytd only) | 3.8674% | 3,549 |
| Net charge-offs to loans | 0.1359% | 1,618 |
| Credit loss provision to net charge-offs | 203.2787% | 1,426 |
| Earnings coverage of net charge-offs (x) | 31.0989% | 1,451 |
| Efficiency ratio | 67.7463% | 3,273 |
| Assets per employee ($millions) | 3.9602% | 4,038 |
| Cash dividends to net income (ytd only)* | 57.2910% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8701% | 898 |
| Loan loss allowance to noncurrent loans | 1,061.3527% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 5,221 |
| Noncurrent loans to loans | 0.1762% | 4,644 |
| Net loans and leases to total assets | 31.9896% | 5,678 |
| Net loans and leases to deposits | 37.6754% | 5,686 |
| Net loans and leases to core deposits | 38.2700% | 5,717 |
| Total domestic deposits to total assets | 84.9083% | 2,847 |
| Equity capital to assets | 14.8195% | 784 |
| Core capital (leverage) ratio | 13.5575% | 979 |
| Tier 1 risk-based capital ratio | 41.4523% | 205 |
| Total risk-based capital ratio | 42.7092% | 204 |
| Memoranda: | ||
| Average total assets | $356,679,000 | 1,877 |
| Average earning assets | $338,069,250 | 1,841 |
| Average equity | $52,505,500 | 1,469 |
| Average total loans | $119,726,500 | 3,081 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0704% | 5,572 |
| Cost of funding earning assets | 0.1313% | 5,680 |
| Net interest margin | 2.9391% | 5,191 |
| Noninterest income to average assets | 1.6278% | 469 |
| Noninterest expense to average assets | 2.9816% | 2,404 |
| Loan and lease loss provision to assets | 0.0928% | 2,297 |
| Net operating income to assets | 1.3482% | 1,171 |
| Return on assets (ROA) | 1.3482% | 1,239 |
| Pretax return on assets | 1.3369% | 2,258 |
| Return on Equity (ROE) | 9.1791% | 2,415 |
| Retained earnings to average equity (ytd only) | 3.9421% | 3,393 |
| Net charge-offs to loans | 0.1096% | 1,730 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 38.5000% | 1,182 |
| Efficiency ratio | 67.5893% | 3,430 |
| Assets per employee ($millions) | 3.9424% | 4,013 |
| Cash dividends to net income (ytd only)* | 57.0534% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 1,073 |
| Loan loss allowance to noncurrent loans | 868.4000% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 5,266 |
| Noncurrent loans to loans | 0.2077% | 4,613 |
| Net loans and leases to total assets | 33.3129% | 5,702 |
| Net loans and leases to deposits | 39.2763% | 5,712 |
| Net loans and leases to core deposits | 39.8386% | 5,750 |
| Total domestic deposits to total assets | 84.8168% | 2,958 |
| Equity capital to assets | 14.9588% | 733 |
| Core capital (leverage) ratio | 13.5272% | 968 |
| Tier 1 risk-based capital ratio | 38.8194% | 248 |
| Total risk-based capital ratio | 40.0748% | 246 |
| Memoranda: | ||
| Average total assets | $355,446,330 | 1,882 |
| Average earning assets | $336,637,000 | 1,848 |
| Average equity | $52,205,330 | 1,481 |
| Average total loans | $120,475,330 | 3,070 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1016% | 5,607 |
| Cost of funding earning assets | 0.1305% | 5,753 |
| Net interest margin | 2.9711% | 5,178 |
| Noninterest income to average assets | 1.6168% | 453 |
| Noninterest expense to average assets | 2.9739% | 2,468 |
| Loan and lease loss provision to assets | 0.0933% | 2,131 |
| Net operating income to assets | 1.3650% | 1,104 |
| Return on assets (ROA) | 1.3650% | 1,167 |
| Pretax return on assets | 1.3650% | 2,022 |
| Return on Equity (ROE) | 9.3799% | 2,249 |
| Retained earnings to average equity (ytd only) | 4.0564% | 3,464 |
| Net charge-offs to loans | 0.1062% | 1,491 |
| Credit loss provision to net charge-offs | 259.3750% | 929 |
| Earnings coverage of net charge-offs (x) | 40.5313% | 1,004 |
| Efficiency ratio | 67.0979% | 3,616 |
| Assets per employee ($millions) | 3.9845% | 3,970 |
| Cash dividends to net income (ytd only)* | 56.7545% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7847% | 1,182 |
| Loan loss allowance to noncurrent loans | 476.0090% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 5,073 |
| Noncurrent loans to loans | 0.3749% | 4,091 |
| Net loans and leases to total assets | 32.5797% | 5,767 |
| Net loans and leases to deposits | 38.3035% | 5,767 |
| Net loans and leases to core deposits | 38.8435% | 5,799 |
| Total domestic deposits to total assets | 85.0566% | 3,112 |
| Equity capital to assets | 14.5641% | 819 |
| Core capital (leverage) ratio | 13.5342% | 974 |
| Tier 1 risk-based capital ratio | 34.5968% | 347 |
| Total risk-based capital ratio | 35.8498% | 342 |
| Memoranda: | ||
| Average total assets | $355,762,500 | 1,884 |
| Average earning assets | $337,112,500 | 1,843 |
| Average equity | $51,770,000 | 1,486 |
| Average total loans | $120,528,000 | 3,078 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0864% | 5,652 |
| Cost of funding earning assets | 0.1344% | 5,787 |
| Net interest margin | 2.9521% | 5,241 |
| Noninterest income to average assets | 1.6959% | 453 |
| Noninterest expense to average assets | 3.0535% | 2,370 |
| Loan and lease loss provision to assets | 0.0891% | 2,519 |
| Net operating income to assets | 1.3531% | 1,138 |
| Return on assets (ROA) | 1.3531% | 1,180 |
| Pretax return on assets | 1.3531% | 2,092 |
| Return on Equity (ROE) | 9.1008% | 2,411 |
| Retained earnings to average equity (ytd only) | 3.7838% | 3,345 |
| Net charge-offs to loans | 0.1597% | 1,779 |
| Credit loss provision to net charge-offs | 162.2340% | 1,659 |
| Earnings coverage of net charge-offs (x) | 26.2500% | 1,594 |
| Efficiency ratio | 67.9191% | 3,583 |
| Assets per employee ($millions) | 3.7948% | 4,302 |
| Cash dividends to net income (ytd only)* | 58.4233% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 1,357 |
| Loan loss allowance to noncurrent loans | 2,328.0899% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 5,360 |
| Noncurrent loans to loans | 0.0729% | 5,213 |
| Net loans and leases to total assets | 34.0102% | 5,778 |
| Net loans and leases to deposits | 40.0025% | 5,773 |
| Net loans and leases to core deposits | 40.5749% | 5,804 |
| Total domestic deposits to total assets | 85.0200% | 3,083 |
| Equity capital to assets | 14.5394% | 762 |
| Core capital (leverage) ratio | 13.4735% | 979 |
| Tier 1 risk-based capital ratio | 33.6559% | 374 |
| Total risk-based capital ratio | 34.9085% | 371 |
| Memoranda: | ||
| Average total assets | $342,169,600 | 1,904 |
| Average earning assets | $324,515,400 | 1,867 |
| Average equity | $50,874,400 | 1,458 |
| Average total loans | $117,705,000 | 3,084 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0823% | 5,727 |
| Cost of funding earning assets | 0.1349% | 5,888 |
| Net interest margin | 2.9473% | 5,315 |
| Noninterest income to average assets | 1.7206% | 446 |
| Noninterest expense to average assets | 3.0736% | 2,285 |
| Loan and lease loss provision to assets | 0.0797% | 2,581 |
| Net operating income to assets | 1.3636% | 1,198 |
| Return on assets (ROA) | 1.3636% | 1,247 |
| Pretax return on assets | 1.3636% | 2,165 |
| Return on Equity (ROE) | 9.1189% | 2,513 |
| Retained earnings to average equity (ytd only) | 3.7899% | 3,771 |
| Net charge-offs to loans | 0.1406% | 1,713 |
| Credit loss provision to net charge-offs | 165.0407% | 1,562 |
| Earnings coverage of net charge-offs (x) | 29.8773% | 1,501 |
| Efficiency ratio | 68.0463% | 3,530 |
| Assets per employee ($millions) | 3.9038% | 4,076 |
| Cash dividends to net income (ytd only)* | 58.4390% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6885% | 1,498 |
| Loan loss allowance to noncurrent loans | 2,211.9565% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 5,412 |
| Noncurrent loans to loans | 0.0763% | 5,319 |
| Net loans and leases to total assets | 34.4896% | 5,840 |
| Net loans and leases to deposits | 40.7248% | 5,841 |
| Net loans and leases to core deposits | 41.3250% | 5,876 |
| Total domestic deposits to total assets | 84.6896% | 3,137 |
| Equity capital to assets | 14.9864% | 739 |
| Core capital (leverage) ratio | 13.7719% | 920 |
| Tier 1 risk-based capital ratio | 30.7812% | 480 |
| Total risk-based capital ratio | 32.0319% | 476 |
| Memoranda: | ||
| Average total assets | $339,482,500 | 1,943 |
| Average earning assets | $322,091,750 | 1,891 |
| Average equity | $50,765,000 | 1,469 |
| Average total loans | $116,606,250 | 3,128 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0661% | 5,780 |
| Cost of funding earning assets | 0.1359% | 5,944 |
| Net interest margin | 2.9303% | 5,385 |
| Noninterest income to average assets | 1.7094% | 462 |
| Noninterest expense to average assets | 3.0716% | 2,332 |
| Loan and lease loss provision to assets | 0.0799% | 2,515 |
| Net operating income to assets | 1.3391% | 1,220 |
| Return on assets (ROA) | 1.3391% | 1,263 |
| Pretax return on assets | 1.3391% | 2,210 |
| Return on Equity (ROE) | 8.9618% | 2,568 |
| Retained earnings to average equity (ytd only) | 3.7328% | 3,643 |
| Net charge-offs to loans | 0.1578% | 1,529 |
| Credit loss provision to net charge-offs | 148.3516% | 1,549 |
| Earnings coverage of net charge-offs (x) | 26.3626% | 1,486 |
| Efficiency ratio | 68.4009% | 3,612 |
| Assets per employee ($millions) | 3.7843% | 4,275 |
| Cash dividends to net income (ytd only)* | 58.3481% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 1,570 |
| Loan loss allowance to noncurrent loans | 3,634.5455% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 5,561 |
| Noncurrent loans to loans | 0.0471% | 5,562 |
| Net loans and leases to total assets | 34.0679% | 5,905 |
| Net loans and leases to deposits | 40.2027% | 5,892 |
| Net loans and leases to core deposits | 40.6616% | 5,936 |
| Total domestic deposits to total assets | 84.7402% | 3,240 |
| Equity capital to assets | 15.0145% | 702 |
| Core capital (leverage) ratio | 13.8873% | 874 |
| Tier 1 risk-based capital ratio | 31.6788% | 469 |
| Total risk-based capital ratio | 32.9297% | 462 |
| Memoranda: | ||
| Average total assets | $338,130,670 | 1,963 |
| Average earning assets | $320,924,670 | 1,910 |
| Average equity | $50,525,330 | 1,479 |
| Average total loans | $115,301,670 | 3,163 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0478% | 5,844 |
| Cost of funding earning assets | 0.1368% | 6,019 |
| Net interest margin | 2.9110% | 5,431 |
| Noninterest income to average assets | 1.6576% | 462 |
| Noninterest expense to average assets | 3.0780% | 2,340 |
| Loan and lease loss provision to assets | 0.0791% | 2,374 |
| Net operating income to assets | 1.2645% | 1,367 |
| Return on assets (ROA) | 1.2645% | 1,452 |
| Pretax return on assets | 1.2645% | 2,405 |
| Return on Equity (ROE) | 8.4826% | 2,706 |
| Retained earnings to average equity (ytd only) | 3.3661% | 3,963 |
| Net charge-offs to loans | 0.1431% | 1,389 |
| Credit loss provision to net charge-offs | 163.4146% | 1,190 |
| Earnings coverage of net charge-offs (x) | 27.7561% | 1,196 |
| Efficiency ratio | 69.6128% | 3,557 |
| Assets per employee ($millions) | 3.9590% | 4,041 |
| Cash dividends to net income (ytd only)* | 60.3175% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7173% | 1,691 |
| Loan loss allowance to noncurrent loans | 2,831.4286% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 5,628 |
| Noncurrent loans to loans | 0.0607% | 5,539 |
| Net loans and leases to total assets | 32.9327% | 5,969 |
| Net loans and leases to deposits | 38.7819% | 5,959 |
| Net loans and leases to core deposits | 39.2129% | 5,999 |
| Total domestic deposits to total assets | 84.9177% | 3,449 |
| Equity capital to assets | 14.7139% | 777 |
| Core capital (leverage) ratio | 13.4386% | 992 |
| Tier 1 risk-based capital ratio | 32.6758% | 437 |
| Total risk-based capital ratio | 33.9277% | 435 |
| Memoranda: | ||
| Average total assets | $338,795,500 | 1,965 |
| Average earning assets | $321,674,500 | 1,911 |
| Average equity | $50,503,500 | 1,487 |
| Average total loans | $114,582,500 | 3,184 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1109% | 5,942 |
| Cost of funding earning assets | 0.1438% | 6,134 |
| Net interest margin | 2.9671% | 5,516 |
| Noninterest income to average assets | 1.6248% | 477 |
| Noninterest expense to average assets | 2.9629% | 2,959 |
| Loan and lease loss provision to assets | 0.0725% | 3,031 |
| Net operating income to assets | 1.4008% | 1,085 |
| Return on assets (ROA) | 1.4008% | 1,111 |
| Pretax return on assets | 1.4008% | 1,884 |
| Return on Equity (ROE) | 9.4296% | 2,372 |
| Retained earnings to average equity (ytd only) | 3.9516% | 3,401 |
| Net charge-offs to loans | 0.1099% | 2,945 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 40.6218% | 1,071 |
| Efficiency ratio | 66.7880% | 4,093 |
| Assets per employee ($millions) | 3.8294% | 4,292 |
| Cash dividends to net income (ytd only)* | 58.0940% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 1,730 |
| Loan loss allowance to noncurrent loans | 2,962.1212% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 5,965 |
| Noncurrent loans to loans | 0.0580% | 5,649 |
| Net loans and leases to total assets | 33.5568% | 6,059 |
| Net loans and leases to deposits | 39.7626% | 6,046 |
| Net loans and leases to core deposits | 40.2655% | 6,094 |
| Total domestic deposits to total assets | 84.3929% | 3,557 |
| Equity capital to assets | 15.1062% | 690 |
| Core capital (leverage) ratio | 13.8156% | 862 |
| Tier 1 risk-based capital ratio | 33.1408% | 393 |
| Total risk-based capital ratio | 34.3930% | 384 |
| Memoranda: | ||
| Average total assets | $328,094,400 | 1,980 |
| Average earning assets | $310,874,400 | 1,928 |
| Average equity | $48,740,000 | 1,474 |
| Average total loans | $108,231,400 | 3,262 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1058% | 6,026 |
| Cost of funding earning assets | 0.1443% | 6,220 |
| Net interest margin | 2.9615% | 5,584 |
| Noninterest income to average assets | 1.5996% | 500 |
| Noninterest expense to average assets | 2.9678% | 2,913 |
| Loan and lease loss provision to assets | 0.0632% | 3,090 |
| Net operating income to assets | 1.3719% | 1,190 |
| Return on assets (ROA) | 1.3719% | 1,233 |
| Pretax return on assets | 1.3732% | 2,106 |
| Return on Equity (ROE) | 9.2751% | 2,553 |
| Retained earnings to average equity (ytd only) | 3.7729% | 3,971 |
| Net charge-offs to loans | 0.1036% | 2,759 |
| Credit loss provision to net charge-offs | 186.7470% | 1,343 |
| Earnings coverage of net charge-offs (x) | 42.4232% | 1,085 |
| Efficiency ratio | 67.3861% | 3,964 |
| Assets per employee ($millions) | 3.9989% | 3,885 |
| Cash dividends to net income (ytd only)* | 59.3219% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7070% | 1,948 |
| Loan loss allowance to noncurrent loans | 2,194.2529% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 6,063 |
| Noncurrent loans to loans | 0.0778% | 5,711 |
| Net loans and leases to total assets | 33.5236% | 6,135 |
| Net loans and leases to deposits | 39.5898% | 6,127 |
| Net loans and leases to core deposits | 40.0961% | 6,176 |
| Total domestic deposits to total assets | 84.6775% | 3,466 |
| Equity capital to assets | 14.9563% | 741 |
| Core capital (leverage) ratio | 13.8078% | 895 |
| Tier 1 risk-based capital ratio | 33.9469% | 391 |
| Total risk-based capital ratio | 35.1991% | 385 |
| Memoranda: | ||
| Average total assets | $326,829,250 | 2,001 |
| Average earning assets | $309,519,250 | 1,949 |
| Average equity | $48,343,250 | 1,492 |
| Average total loans | $106,851,500 | 3,308 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0827% | 6,083 |
| Cost of funding earning assets | 0.1468% | 6,280 |
| Net interest margin | 2.9359% | 5,665 |
| Noninterest income to average assets | 1.5487% | 520 |
| Noninterest expense to average assets | 2.9308% | 3,064 |
| Loan and lease loss provision to assets | 0.0631% | 3,007 |
| Net operating income to assets | 1.3343% | 1,223 |
| Return on assets (ROA) | 1.3343% | 1,267 |
| Pretax return on assets | 1.3361% | 2,129 |
| Return on Equity (ROE) | 9.0543% | 2,565 |
| Retained earnings to average equity (ytd only) | 3.7040% | 3,834 |
| Net charge-offs to loans | 0.0799% | 2,893 |
| Credit loss provision to net charge-offs | 245.2381% | 1,005 |
| Earnings coverage of net charge-offs (x) | 54.3810% | 867 |
| Efficiency ratio | 67.6853% | 4,065 |
| Assets per employee ($millions) | 3.8017% | 4,251 |
| Cash dividends to net income (ytd only)* | 59.0909% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 1,982 |
| Loan loss allowance to noncurrent loans | 2,670.4225% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 6,160 |
| Noncurrent loans to loans | 0.0655% | 5,829 |
| Net loans and leases to total assets | 32.5995% | 6,219 |
| Net loans and leases to deposits | 38.5900% | 6,203 |
| Net loans and leases to core deposits | 39.1715% | 6,239 |
| Total domestic deposits to total assets | 84.4764% | 3,736 |
| Equity capital to assets | 14.9975% | 699 |
| Core capital (leverage) ratio | 13.6983% | 920 |
| Tier 1 risk-based capital ratio | 33.8993% | 379 |
| Total risk-based capital ratio | 35.1518% | 369 |
| Memoranda: | ||
| Average total assets | $326,469,330 | 1,996 |
| Average earning assets | $309,270,670 | 1,946 |
| Average equity | $48,110,000 | 1,488 |
| Average total loans | $105,190,000 | 3,354 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0367% | 6,203 |
| Cost of funding earning assets | 0.1488% | 6,360 |
| Net interest margin | 2.8879% | 5,778 |
| Noninterest income to average assets | 1.5584% | 492 |
| Noninterest expense to average assets | 2.9574% | 3,023 |
| Loan and lease loss provision to assets | 0.0797% | 2,551 |
| Net operating income to assets | 1.2543% | 1,334 |
| Return on assets (ROA) | 1.2543% | 1,389 |
| Pretax return on assets | 1.2580% | 2,254 |
| Return on Equity (ROE) | 8.5880% | 2,649 |
| Retained earnings to average equity (ytd only) | 3.1817% | 4,219 |
| Net charge-offs to loans | 0.0541% | 2,624 |
| Credit loss provision to net charge-offs | 464.2857% | 575 |
| Earnings coverage of net charge-offs (x) | 77.9286% | 552 |
| Efficiency ratio | 68.8553% | 4,030 |
| Assets per employee ($millions) | 3.9743% | 3,996 |
| Cash dividends to net income (ytd only)* | 62.9521% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7945% | 2,062 |
| Loan loss allowance to noncurrent loans | 2,657.7465% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 6,238 |
| Noncurrent loans to loans | 0.0675% | 5,940 |
| Net loans and leases to total assets | 31.6868% | 6,279 |
| Net loans and leases to deposits | 37.3443% | 6,274 |
| Net loans and leases to core deposits | 38.3279% | 6,304 |
| Total domestic deposits to total assets | 84.8504% | 3,937 |
| Equity capital to assets | 14.6768% | 739 |
| Core capital (leverage) ratio | 13.6095% | 941 |
| Tier 1 risk-based capital ratio | 33.9720% | 382 |
| Total risk-based capital ratio | 35.2228% | 374 |
| Memoranda: | ||
| Average total assets | $326,230,500 | 2,005 |
| Average earning assets | $309,148,000 | 1,955 |
| Average equity | $47,648,000 | 1,497 |
| Average total loans | $103,545,500 | 3,397 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0048% | 6,345 |
| Cost of funding earning assets | 0.1668% | 6,458 |
| Net interest margin | 2.8380% | 5,920 |
| Noninterest income to average assets | 1.6199% | 545 |
| Noninterest expense to average assets | 2.7800% | 3,798 |
| Loan and lease loss provision to assets | 0.0736% | 3,642 |
| Net operating income to assets | 1.4478% | 920 |
| Return on assets (ROA) | 1.4478% | 964 |
| Pretax return on assets | 1.4589% | 1,588 |
| Return on Equity (ROE) | 9.7408% | 2,222 |
| Retained earnings to average equity (ytd only) | 4.2575% | 3,147 |
| Net charge-offs to loans | 0.1626% | 3,186 |
| Credit loss provision to net charge-offs | 151.8987% | 1,526 |
| Earnings coverage of net charge-offs (x) | 31.6203% | 1,129 |
| Efficiency ratio | 64.4640% | 4,826 |
| Assets per employee ($millions) | 3.5886% | 4,711 |
| Cash dividends to net income (ytd only)* | 56.2924% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8011% | 2,063 |
| Loan loss allowance to noncurrent loans | 1,932.6316% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 6,297 |
| Noncurrent loans to loans | 0.0932% | 5,932 |
| Net loans and leases to total assets | 30.6530% | 6,435 |
| Net loans and leases to deposits | 36.0543% | 6,425 |
| Net loans and leases to core deposits | 36.9173% | 6,443 |
| Total domestic deposits to total assets | 85.0189% | 3,742 |
| Equity capital to assets | 14.5346% | 778 |
| Core capital (leverage) ratio | 13.5091% | 952 |
| Tier 1 risk-based capital ratio | 34.3564% | 353 |
| Total risk-based capital ratio | 35.5927% | 347 |
| Memoranda: | ||
| Average total assets | $326,006,600 | 1,977 |
| Average earning assets | $309,307,400 | 1,913 |
| Average equity | $48,455,800 | 1,458 |
| Average total loans | $97,189,600 | 3,527 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9897% | 6,432 |
| Cost of funding earning assets | 0.1702% | 6,552 |
| Net interest margin | 2.8195% | 5,985 |
| Noninterest income to average assets | 1.6182% | 561 |
| Noninterest expense to average assets | 2.7737% | 3,752 |
| Loan and lease loss provision to assets | 0.0675% | 3,704 |
| Net operating income to assets | 1.4435% | 998 |
| Return on assets (ROA) | 1.4435% | 1,052 |
| Pretax return on assets | 1.4545% | 1,748 |
| Return on Equity (ROE) | 9.6582% | 2,326 |
| Retained earnings to average equity (ytd only) | 4.6840% | 3,328 |
| Net charge-offs to loans | 0.1500% | 3,043 |
| Credit loss provision to net charge-offs | 152.7778% | 1,542 |
| Earnings coverage of net charge-offs (x) | 34.4436% | 1,114 |
| Efficiency ratio | 64.5681% | 4,712 |
| Assets per employee ($millions) | 3.4162% | 5,026 |
| Cash dividends to net income (ytd only)* | 51.5024% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8173% | 2,249 |
| Loan loss allowance to noncurrent loans | 1,724.7619% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 6,380 |
| Noncurrent loans to loans | 0.1054% | 6,018 |
| Net loans and leases to total assets | 30.7964% | 6,505 |
| Net loans and leases to deposits | 36.3191% | 6,498 |
| Net loans and leases to core deposits | 37.0455% | 6,530 |
| Total domestic deposits to total assets | 84.7940% | 3,841 |
| Equity capital to assets | 14.7081% | 772 |
| Core capital (leverage) ratio | 13.5581% | 1,000 |
| Tier 1 risk-based capital ratio | 34.3975% | 356 |
| Total risk-based capital ratio | 35.6504% | 349 |
| Memoranda: | ||
| Average total assets | $325,867,000 | 1,987 |
| Average earning assets | $309,456,000 | 1,927 |
| Average equity | $48,703,500 | 1,460 |
| Average total loans | $96,002,500 | 3,576 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9475% | 6,494 |
| Cost of funding earning assets | 0.1742% | 6,605 |
| Net interest margin | 2.7732% | 6,055 |
| Noninterest income to average assets | 1.5673% | 640 |
| Noninterest expense to average assets | 2.7104% | 3,993 |
| Loan and lease loss provision to assets | 0.0548% | 3,905 |
| Net operating income to assets | 1.4261% | 1,023 |
| Return on assets (ROA) | 1.4261% | 1,114 |
| Pretax return on assets | 1.4371% | 1,813 |
| Return on Equity (ROE) | 9.4931% | 2,423 |
| Retained earnings to average equity (ytd only) | 4.7932% | 3,189 |
| Net charge-offs to loans | 0.1414% | 2,966 |
| Credit loss provision to net charge-offs | 134.3284% | 1,685 |
| Earnings coverage of net charge-offs (x) | 36.5821% | 989 |
| Efficiency ratio | 64.4988% | 4,789 |
| Assets per employee ($millions) | 3.5085% | 4,831 |
| Cash dividends to net income (ytd only)* | 49.5092% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8202% | 2,364 |
| Loan loss allowance to noncurrent loans | 1,480.8333% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 6,096 |
| Noncurrent loans to loans | 0.1229% | 6,017 |
| Net loans and leases to total assets | 29.6954% | 6,588 |
| Net loans and leases to deposits | 35.0678% | 6,576 |
| Net loans and leases to core deposits | 35.7929% | 6,608 |
| Total domestic deposits to total assets | 84.6798% | 4,048 |
| Equity capital to assets | 15.0875% | 697 |
| Core capital (leverage) ratio | 13.2352% | 1,075 |
| Tier 1 risk-based capital ratio | 34.2547% | 359 |
| Total risk-based capital ratio | 35.5074% | 352 |
| Memoranda: | ||
| Average total assets | $328,588,330 | 1,977 |
| Average earning assets | $312,198,000 | 1,913 |
| Average equity | $49,362,000 | 1,448 |
| Average total loans | $94,786,000 | 3,612 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9227% | 6,589 |
| Cost of funding earning assets | 0.1813% | 6,667 |
| Net interest margin | 2.7414% | 6,144 |
| Noninterest income to average assets | 1.6000% | 610 |
| Noninterest expense to average assets | 2.6776% | 4,160 |
| Loan and lease loss provision to assets | 0.0543% | 3,721 |
| Net operating income to assets | 1.4661% | 920 |
| Return on assets (ROA) | 1.4661% | 1,002 |
| Pretax return on assets | 1.4770% | 1,627 |
| Return on Equity (ROE) | 9.7800% | 2,146 |
| Retained earnings to average equity (ytd only) | 6.1820% | 2,584 |
| Net charge-offs to loans | 0.0857% | 2,981 |
| Credit loss provision to net charge-offs | 225.0000% | 1,001 |
| Earnings coverage of net charge-offs (x) | 63.4500% | 562 |
| Efficiency ratio | 63.6181% | 5,065 |
| Assets per employee ($millions) | 3.6568% | 4,655 |
| Cash dividends to net income (ytd only)* | 36.7901% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8987% | 2,305 |
| Loan loss allowance to noncurrent loans | 376.1099% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 6,136 |
| Noncurrent loans to loans | 0.5048% | 5,165 |
| Net loans and leases to total assets | 28.2427% | 6,656 |
| Net loans and leases to deposits | 33.4431% | 6,657 |
| Net loans and leases to core deposits | 34.1308% | 6,669 |
| Total domestic deposits to total assets | 84.4499% | 4,290 |
| Equity capital to assets | 15.2435% | 701 |
| Core capital (leverage) ratio | 12.7952% | 1,197 |
| Tier 1 risk-based capital ratio | 35.3429% | 336 |
| Total risk-based capital ratio | 36.5957% | 332 |
| Memoranda: | ||
| Average total assets | $331,490,500 | 1,981 |
| Average earning assets | $315,465,000 | 1,922 |
| Average equity | $49,693,000 | 1,461 |
| Average total loans | $93,364,500 | 3,668 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2308% | 6,644 |
| Cost of funding earning assets | 0.2419% | 6,704 |
| Net interest margin | 2.9888% | 6,074 |
| Noninterest income to average assets | 1.5917% | 628 |
| Noninterest expense to average assets | 2.8057% | 4,007 |
| Loan and lease loss provision to assets | 0.0537% | 5,135 |
| Net operating income to assets | 1.5269% | 868 |
| Return on assets (ROA) | 1.5269% | 962 |
| Pretax return on assets | 1.5653% | 1,475 |
| Return on Equity (ROE) | 9.6333% | 2,344 |
| Retained earnings to average equity (ytd only) | 3.6735% | 3,636 |
| Net charge-offs to loans | 0.1165% | 4,521 |
| Credit loss provision to net charge-offs | 157.1429% | 1,711 |
| Earnings coverage of net charge-offs (x) | 47.4000% | 698 |
| Efficiency ratio | 63.4098% | 4,993 |
| Assets per employee ($millions) | 3.7503% | 4,471 |
| Cash dividends to net income (ytd only)* | 61.8662% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8853% | 2,336 |
| Loan loss allowance to noncurrent loans | 415.6398% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 6,260 |
| Noncurrent loans to loans | 0.4536% | 5,370 |
| Net loans and leases to total assets | 27.0435% | 6,782 |
| Net loans and leases to deposits | 31.9724% | 6,789 |
| Net loans and leases to core deposits | 32.5701% | 6,799 |
| Total domestic deposits to total assets | 84.5839% | 4,050 |
| Equity capital to assets | 14.7471% | 808 |
| Core capital (leverage) ratio | 13.1493% | 1,060 |
| Tier 1 risk-based capital ratio | 32.9979% | 403 |
| Total risk-based capital ratio | 34.2500% | 391 |
| Memoranda: | ||
| Average total assets | $307,410,400 | 2,093 |
| Average earning assets | $291,386,800 | 2,035 |
| Average equity | $48,726,800 | 1,445 |
| Average total loans | $90,093,000 | 3,745 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3201% | 6,715 |
| Cost of funding earning assets | 0.2582% | 6,778 |
| Net interest margin | 3.0619% | 6,040 |
| Noninterest income to average assets | 1.6442% | 560 |
| Noninterest expense to average assets | 3.0185% | 3,175 |
| Loan and lease loss provision to assets | 0.0534% | 5,083 |
| Net operating income to assets | 1.4236% | 1,175 |
| Return on assets (ROA) | 1.4236% | 1,294 |
| Pretax return on assets | 1.4717% | 1,993 |
| Return on Equity (ROE) | 8.8090% | 2,895 |
| Retained earnings to average equity (ytd only) | 2.6465% | 4,976 |
| Net charge-offs to loans | 0.0895% | 4,483 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 57.1653% | 682 |
| Efficiency ratio | 66.4351% | 4,369 |
| Assets per employee ($millions) | 3.3584% | 5,308 |
| Cash dividends to net income (ytd only)* | 69.9562% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9028% | 2,467 |
| Loan loss allowance to noncurrent loans | 2,307.8947% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 6,706 |
| Noncurrent loans to loans | 0.0824% | 6,409 |
| Net loans and leases to total assets | 29.2668% | 6,839 |
| Net loans and leases to deposits | 34.9127% | 6,838 |
| Net loans and leases to core deposits | 35.2305% | 6,873 |
| Total domestic deposits to total assets | 83.8286% | 4,307 |
| Equity capital to assets | 15.8478% | 634 |
| Core capital (leverage) ratio | 13.3011% | 1,074 |
| Tier 1 risk-based capital ratio | 34.1864% | 381 |
| Total risk-based capital ratio | 35.4397% | 376 |
| Memoranda: | ||
| Average total assets | $299,880,500 | 2,159 |
| Average earning assets | $283,958,000 | 2,101 |
| Average equity | $48,464,500 | 1,465 |
| Average total loans | $89,357,750 | 3,812 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3546% | 6,774 |
| Cost of funding earning assets | 0.2650% | 6,856 |
| Net interest margin | 3.0896% | 6,037 |
| Noninterest income to average assets | 1.6749% | 533 |
| Noninterest expense to average assets | 3.0615% | 3,046 |
| Loan and lease loss provision to assets | 0.0606% | 4,894 |
| Net operating income to assets | 1.4081% | 1,174 |
| Return on assets (ROA) | 1.4081% | 1,310 |
| Pretax return on assets | 1.4748% | 1,941 |
| Return on Equity (ROE) | 8.6547% | 2,967 |
| Retained earnings to average equity (ytd only) | 2.1989% | 5,092 |
| Net charge-offs to loans | 0.0588% | 4,597 |
| Credit loss provision to net charge-offs | 346.1538% | 844 |
| Earnings coverage of net charge-offs (x) | 87.6538% | 472 |
| Efficiency ratio | 66.5983% | 4,408 |
| Assets per employee ($millions) | 3.3980% | 5,215 |
| Cash dividends to net income (ytd only)* | 74.5933% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9632% | 2,332 |
| Loan loss allowance to noncurrent loans | 2,704.6154% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 6,779 |
| Noncurrent loans to loans | 0.0726% | 6,484 |
| Net loans and leases to total assets | 29.0285% | 6,898 |
| Net loans and leases to deposits | 34.6618% | 6,905 |
| Net loans and leases to core deposits | 35.0543% | 6,934 |
| Total domestic deposits to total assets | 83.7477% | 4,422 |
| Equity capital to assets | 15.9888% | 580 |
| Core capital (leverage) ratio | 13.6931% | 903 |
| Tier 1 risk-based capital ratio | 34.1213% | 372 |
| Total risk-based capital ratio | 35.3745% | 366 |
| Memoranda: | ||
| Average total assets | $296,850,330 | 2,174 |
| Average earning assets | $280,751,000 | 2,119 |
| Average equity | $48,297,670 | 1,461 |
| Average total loans | $88,417,000 | 3,843 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3885% | 6,823 |
| Cost of funding earning assets | 0.2722% | 6,935 |
| Net interest margin | 3.1163% | 5,998 |
| Noninterest income to average assets | 1.7751% | 489 |
| Noninterest expense to average assets | 3.1517% | 2,754 |
| Loan and lease loss provision to assets | 0.0816% | 4,370 |
| Net operating income to assets | 1.3643% | 1,290 |
| Return on assets (ROA) | 1.3643% | 1,447 |
| Pretax return on assets | 1.4854% | 1,909 |
| Return on Equity (ROE) | 8.3117% | 3,137 |
| Retained earnings to average equity (ytd only) | 2.8341% | 4,832 |
| Net charge-offs to loans | 0.0137% | 4,506 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 384.0000% | 74 |
| Efficiency ratio | 66.7916% | 4,401 |
| Assets per employee ($millions) | 3.3431% | 5,468 |
| Cash dividends to net income (ytd only)* | 65.9023% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9994% | 2,354 |
| Loan loss allowance to noncurrent loans | 2,613.4328% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 6,851 |
| Noncurrent loans to loans | 0.0765% | 6,560 |
| Net loans and leases to total assets | 28.8453% | 6,948 |
| Net loans and leases to deposits | 34.6163% | 6,932 |
| Net loans and leases to core deposits | 35.0766% | 6,963 |
| Total domestic deposits to total assets | 83.3287% | 4,803 |
| Equity capital to assets | 16.1776% | 545 |
| Core capital (leverage) ratio | 13.8887% | 829 |
| Tier 1 risk-based capital ratio | 34.8737% | 342 |
| Total risk-based capital ratio | 36.1271% | 336 |
| Memoranda: | ||
| Average total assets | $294,063,500 | 2,211 |
| Average earning assets | $277,762,500 | 2,141 |
| Average equity | $48,269,500 | 1,456 |
| Average total loans | $87,852,000 | 3,887 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7637% | 6,764 |
| Cost of funding earning assets | 0.3458% | 7,022 |
| Net interest margin | 3.4179% | 5,433 |
| Noninterest income to average assets | 1.6484% | 511 |
| Noninterest expense to average assets | 3.1642% | 2,987 |
| Loan and lease loss provision to assets | 0.0955% | 5,401 |
| Net operating income to assets | 1.5971% | 663 |
| Return on assets (ROA) | 1.5971% | 726 |
| Pretax return on assets | 1.6042% | 1,187 |
| Return on Equity (ROE) | 9.8342% | 2,114 |
| Retained earnings to average equity (ytd only) | 3.6729% | 3,601 |
| Net charge-offs to loans | 0.1471% | 4,970 |
| Credit loss provision to net charge-offs | 216.0000% | 1,133 |
| Earnings coverage of net charge-offs (x) | 38.4560% | 698 |
| Efficiency ratio | 65.0552% | 4,941 |
| Assets per employee ($millions) | 3.2651% | 5,590 |
| Cash dividends to net income (ytd only)* | 62.6522% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9222% | 2,500 |
| Loan loss allowance to noncurrent loans | 2,289.1892% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 6,356 |
| Noncurrent loans to loans | 0.0840% | 6,599 |
| Net loans and leases to total assets | 29.7441% | 7,019 |
| Net loans and leases to deposits | 35.9360% | 7,002 |
| Net loans and leases to core deposits | 36.3151% | 7,031 |
| Total domestic deposits to total assets | 82.7697% | 4,854 |
| Equity capital to assets | 16.6574% | 498 |
| Core capital (leverage) ratio | 13.8554% | 857 |
| Tier 1 risk-based capital ratio | 34.4114% | 349 |
| Total risk-based capital ratio | 35.6643% | 343 |
| Memoranda: | ||
| Average total assets | $282,820,200 | 2,242 |
| Average earning assets | $266,066,400 | 2,195 |
| Average equity | $45,931,600 | 1,483 |
| Average total loans | $84,987,200 | 4,001 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8186% | 6,824 |
| Cost of funding earning assets | 0.3600% | 7,105 |
| Net interest margin | 3.4587% | 5,363 |
| Noninterest income to average assets | 1.6709% | 489 |
| Noninterest expense to average assets | 3.1914% | 2,852 |
| Loan and lease loss provision to assets | 0.0997% | 5,210 |
| Net operating income to assets | 1.6320% | 731 |
| Return on assets (ROA) | 1.6320% | 803 |
| Pretax return on assets | 1.6320% | 1,298 |
| Return on Equity (ROE) | 10.1160% | 2,159 |
| Retained earnings to average equity (ytd only) | 3.8516% | 3,987 |
| Net charge-offs to loans | 0.1536% | 4,538 |
| Credit loss provision to net charge-offs | 216.4948% | 1,323 |
| Earnings coverage of net charge-offs (x) | 37.6083% | 802 |
| Efficiency ratio | 64.8250% | 4,929 |
| Assets per employee ($millions) | 3.3334% | 5,409 |
| Cash dividends to net income (ytd only)* | 61.9256% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8912% | 2,642 |
| Loan loss allowance to noncurrent loans | 2,216.0000% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 6,450 |
| Noncurrent loans to loans | 0.0853% | 6,720 |
| Net loans and leases to total assets | 29.3921% | 7,102 |
| Net loans and leases to deposits | 35.3076% | 7,091 |
| Net loans and leases to core deposits | 35.6382% | 7,129 |
| Total domestic deposits to total assets | 83.2459% | 4,589 |
| Equity capital to assets | 16.3948% | 567 |
| Core capital (leverage) ratio | 13.7872% | 957 |
| Tier 1 risk-based capital ratio | 34.2508% | 378 |
| Total risk-based capital ratio | 35.5039% | 370 |
| Memoranda: | ||
| Average total assets | $280,877,250 | 2,272 |
| Average earning assets | $264,102,750 | 2,220 |
| Average equity | $45,313,250 | 1,504 |
| Average total loans | $84,202,000 | 4,052 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 6,815 |
| Cost of funding earning assets | 0.3788% | 7,176 |
| Net interest margin | 3.5115% | 5,105 |
| Noninterest income to average assets | 1.6486% | 486 |
| Noninterest expense to average assets | 3.2083% | 2,866 |
| Loan and lease loss provision to assets | 0.1084% | 4,946 |
| Net operating income to assets | 1.6283% | 692 |
| Return on assets (ROA) | 1.6283% | 735 |
| Pretax return on assets | 1.6283% | 1,204 |
| Return on Equity (ROE) | 10.1516% | 2,067 |
| Retained earnings to average equity (ytd only) | 3.8705% | 3,736 |
| Net charge-offs to loans | 0.1133% | 4,568 |
| Credit loss provision to net charge-offs | 319.1489% | 955 |
| Earnings coverage of net charge-offs (x) | 51.1277% | 613 |
| Efficiency ratio | 64.8787% | 5,079 |
| Assets per employee ($millions) | 3.1230% | 5,826 |
| Cash dividends to net income (ytd only)* | 61.8731% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9315% | 2,570 |
| Loan loss allowance to noncurrent loans | 4,720.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 6,528 |
| Noncurrent loans to loans | 0.0409% | 6,881 |
| Net loans and leases to total assets | 29.8432% | 7,185 |
| Net loans and leases to deposits | 35.8095% | 7,173 |
| Net loans and leases to core deposits | 36.2535% | 7,214 |
| Total domestic deposits to total assets | 83.3388% | 4,614 |
| Equity capital to assets | 16.3873% | 560 |
| Core capital (leverage) ratio | 13.8082% | 924 |
| Tier 1 risk-based capital ratio | 33.5648% | 399 |
| Total risk-based capital ratio | 34.8176% | 389 |
| Memoranda: | ||
| Average total assets | $276,724,000 | 2,315 |
| Average earning assets | $259,776,000 | 2,255 |
| Average equity | $44,387,000 | 1,516 |
| Average total loans | $82,976,000 | 4,127 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9067% | 6,813 |
| Cost of funding earning assets | 0.3992% | 7,225 |
| Net interest margin | 3.5075% | 4,975 |
| Noninterest income to average assets | 1.6303% | 503 |
| Noninterest expense to average assets | 3.2358% | 2,747 |
| Loan and lease loss provision to assets | 0.1311% | 4,359 |
| Net operating income to assets | 1.5531% | 771 |
| Return on assets (ROA) | 1.5531% | 807 |
| Pretax return on assets | 1.5531% | 1,289 |
| Return on Equity (ROE) | 9.7908% | 2,174 |
| Retained earnings to average equity (ytd only) | 3.7473% | 3,920 |
| Net charge-offs to loans | 0.0783% | 4,157 |
| Credit loss provision to net charge-offs | 562.5000% | 660 |
| Earnings coverage of net charge-offs (x) | 72.2500% | 428 |
| Efficiency ratio | 65.7684% | 5,069 |
| Assets per employee ($millions) | 3.1841% | 5,750 |
| Cash dividends to net income (ytd only)* | 61.7261% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 2,491 |
| Loan loss allowance to noncurrent loans | 6,242.3077% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 6,573 |
| Noncurrent loans to loans | 0.0316% | 6,980 |
| Net loans and leases to total assets | 29.1353% | 7,256 |
| Net loans and leases to deposits | 34.9113% | 7,251 |
| Net loans and leases to core deposits | 35.2477% | 7,283 |
| Total domestic deposits to total assets | 83.4554% | 4,717 |
| Equity capital to assets | 16.0627% | 565 |
| Core capital (leverage) ratio | 13.9465% | 863 |
| Tier 1 risk-based capital ratio | 33.7677% | 381 |
| Total risk-based capital ratio | 35.0200% | 371 |
| Memoranda: | ||
| Average total assets | $274,553,000 | 2,352 |
| Average earning assets | $257,505,000 | 2,290 |
| Average equity | $43,551,000 | 1,531 |
| Average total loans | $81,698,500 | 4,198 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3475% | 6,705 |
| Cost of funding earning assets | 0.5054% | 7,293 |
| Net interest margin | 3.8421% | 3,768 |
| Noninterest income to average assets | 2.2111% | 336 |
| Noninterest expense to average assets | 3.7429% | 1,600 |
| Loan and lease loss provision to assets | 0.1836% | 5,392 |
| Net operating income to assets | 1.8561% | 371 |
| Return on assets (ROA) | 1.8561% | 404 |
| Pretax return on assets | 1.8561% | 675 |
| Return on Equity (ROE) | 11.1019% | 1,555 |
| Retained earnings to average equity (ytd only) | 3.2056% | 3,624 |
| Net charge-offs to loans | 0.1974% | 5,112 |
| Credit loss provision to net charge-offs | 294.4785% | 912 |
| Earnings coverage of net charge-offs (x) | 32.7117% | 684 |
| Efficiency ratio | 64.7261% | 5,215 |
| Assets per employee ($millions) | 3.1638% | 5,748 |
| Cash dividends to net income (ytd only)* | 71.1253% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9109% | 2,529 |
| Loan loss allowance to noncurrent loans | 4,693.9394% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 6,619 |
| Noncurrent loans to loans | 0.0407% | 7,026 |
| Net loans and leases to total assets | 29.2240% | 7,375 |
| Net loans and leases to deposits | 34.9772% | 7,371 |
| Net loans and leases to core deposits | 35.2429% | 7,402 |
| Total domestic deposits to total assets | 83.5515% | 4,578 |
| Equity capital to assets | 15.6587% | 651 |
| Core capital (leverage) ratio | 14.1701% | 812 |
| Tier 1 risk-based capital ratio | 34.1653% | 367 |
| Total risk-based capital ratio | 35.4170% | 361 |
| Memoranda: | ||
| Average total assets | $261,404,600 | 2,443 |
| Average earning assets | $242,993,000 | 2,403 |
| Average equity | $43,704,200 | 1,522 |
| Average total loans | $82,588,400 | 4,256 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 6,732 |
| Cost of funding earning assets | 0.5239% | 7,412 |
| Net interest margin | 3.9240% | 3,433 |
| Noninterest income to average assets | 2.2468% | 317 |
| Noninterest expense to average assets | 3.7067% | 1,548 |
| Loan and lease loss provision to assets | 0.1855% | 5,185 |
| Net operating income to assets | 1.9943% | 342 |
| Return on assets (ROA) | 1.9943% | 371 |
| Pretax return on assets | 1.9943% | 626 |
| Return on Equity (ROE) | 11.7326% | 1,576 |
| Retained earnings to average equity (ytd only) | 3.7926% | 3,793 |
| Net charge-offs to loans | 0.2073% | 4,702 |
| Credit loss provision to net charge-offs | 279.0698% | 1,165 |
| Earnings coverage of net charge-offs (x) | 32.7899% | 820 |
| Efficiency ratio | 62.9694% | 5,437 |
| Assets per employee ($millions) | 2.7533% | 6,681 |
| Cash dividends to net income (ytd only)* | 67.6744% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8038% | 2,776 |
| Loan loss allowance to noncurrent loans | 5,418.5185% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 6,737 |
| Noncurrent loans to loans | 0.0333% | 7,165 |
| Net loans and leases to total assets | 30.1308% | 7,463 |
| Net loans and leases to deposits | 36.6781% | 7,455 |
| Net loans and leases to core deposits | 37.0576% | 7,481 |
| Total domestic deposits to total assets | 82.1494% | 4,937 |
| Equity capital to assets | 17.3690% | 477 |
| Core capital (leverage) ratio | 14.2695% | 869 |
| Tier 1 risk-based capital ratio | 33.6854% | 386 |
| Total risk-based capital ratio | 34.9368% | 379 |
| Memoranda: | ||
| Average total assets | $258,734,500 | 2,504 |
| Average earning assets | $239,989,500 | 2,461 |
| Average equity | $43,979,000 | 1,521 |
| Average total loans | $82,969,750 | 4,321 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5075% | 6,694 |
| Cost of funding earning assets | 0.5366% | 7,497 |
| Net interest margin | 3.9708% | 3,155 |
| Noninterest income to average assets | 2.2766% | 293 |
| Noninterest expense to average assets | 3.7287% | 1,501 |
| Loan and lease loss provision to assets | 0.1869% | 5,000 |
| Net operating income to assets | 2.0368% | 317 |
| Return on assets (ROA) | 2.0368% | 342 |
| Pretax return on assets | 2.0368% | 562 |
| Return on Equity (ROE) | 12.0733% | 1,433 |
| Retained earnings to average equity (ytd only) | 4.0614% | 3,497 |
| Net charge-offs to loans | 0.1412% | 4,819 |
| Credit loss provision to net charge-offs | 406.7797% | 895 |
| Earnings coverage of net charge-offs (x) | 48.4068% | 616 |
| Efficiency ratio | 62.6422% | 5,582 |
| Assets per employee ($millions) | 2.6958% | 6,787 |
| Cash dividends to net income (ytd only)* | 66.3609% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7045% | 3,056 |
| Loan loss allowance to noncurrent loans | 1,788.6076% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 5,977 |
| Noncurrent loans to loans | 0.0953% | 7,075 |
| Net loans and leases to total assets | 31.1618% | 7,506 |
| Net loans and leases to deposits | 37.7016% | 7,501 |
| Net loans and leases to core deposits | 38.2750% | 7,528 |
| Total domestic deposits to total assets | 82.6538% | 4,713 |
| Equity capital to assets | 17.0100% | 524 |
| Core capital (leverage) ratio | 14.6561% | 792 |
| Tier 1 risk-based capital ratio | 33.0727% | 396 |
| Total risk-based capital ratio | 34.3226% | 393 |
| Memoranda: | ||
| Average total assets | $256,872,330 | 2,538 |
| Average earning assets | $237,783,330 | 2,507 |
| Average equity | $43,335,330 | 1,531 |
| Average total loans | $83,591,330 | 4,333 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5697% | 6,636 |
| Cost of funding earning assets | 0.5542% | 7,595 |
| Net interest margin | 4.0155% | 2,810 |
| Noninterest income to average assets | 2.2344% | 294 |
| Noninterest expense to average assets | 3.7932% | 1,339 |
| Loan and lease loss provision to assets | 0.1886% | 4,613 |
| Net operating income to assets | 1.9642% | 369 |
| Return on assets (ROA) | 1.9642% | 401 |
| Pretax return on assets | 1.9642% | 647 |
| Return on Equity (ROE) | 11.6924% | 1,588 |
| Retained earnings to average equity (ytd only) | 3.9099% | 3,793 |
| Net charge-offs to loans | 0.1001% | 4,417 |
| Credit loss provision to net charge-offs | 571.4286% | 759 |
| Earnings coverage of net charge-offs (x) | 65.2381% | 468 |
| Efficiency ratio | 63.7949% | 5,534 |
| Assets per employee ($millions) | 2.6559% | 6,947 |
| Cash dividends to net income (ytd only)* | 66.5600% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5949% | 3,468 |
| Loan loss allowance to noncurrent loans | 6,655.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 6,020 |
| Noncurrent loans to loans | 0.0240% | 7,354 |
| Net loans and leases to total assets | 32.2093% | 7,558 |
| Net loans and leases to deposits | 39.2081% | 7,541 |
| Net loans and leases to core deposits | 39.7188% | 7,583 |
| Total domestic deposits to total assets | 82.1495% | 5,011 |
| Equity capital to assets | 17.1387% | 518 |
| Core capital (leverage) ratio | 14.4478% | 865 |
| Tier 1 risk-based capital ratio | 32.2354% | 428 |
| Total risk-based capital ratio | 33.4177% | 426 |
| Memoranda: | ||
| Average total assets | $254,562,000 | 2,607 |
| Average earning assets | $235,290,500 | 2,589 |
| Average equity | $42,763,000 | 1,561 |
| Average total loans | $83,937,500 | 4,386 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9750% | 6,508 |
| Cost of funding earning assets | 0.7091% | 7,675 |
| Net interest margin | 4.2660% | 1,836 |
| Noninterest income to average assets | 2.3281% | 305 |
| Noninterest expense to average assets | 3.9364% | 1,459 |
| Loan and lease loss provision to assets | 0.2068% | 5,688 |
| Net operating income to assets | 1.6292% | 511 |
| Return on assets (ROA) | 1.6968% | 473 |
| Pretax return on assets | 2.1610% | 302 |
| Return on Equity (ROE) | 10.3945% | 1,579 |
| Retained earnings to average equity (ytd only) | 3.2686% | 2,872 |
| Net charge-offs to loans | 0.2440% | 5,096 |
| Credit loss provision to net charge-offs | 247.5728% | 1,436 |
| Earnings coverage of net charge-offs (x) | 27.3252% | 828 |
| Efficiency ratio | 63.3003% | 5,913 |
| Assets per employee ($millions) | 2.6475% | 6,956 |
| Cash dividends to net income (ytd only)* | 68.5544% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 3,930 |
| Loan loss allowance to noncurrent loans | 5,600.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 5,958 |
| Noncurrent loans to loans | 0.0261% | 7,370 |
| Net loans and leases to total assets | 32.7313% | 7,635 |
| Net loans and leases to deposits | 39.8396% | 7,632 |
| Net loans and leases to core deposits | 43.1067% | 7,714 |
| Total domestic deposits to total assets | 82.1579% | 4,881 |
| Equity capital to assets | 16.4575% | 625 |
| Core capital (leverage) ratio | 14.5017% | 881 |
| Tier 1 risk-based capital ratio | 31.5968% | 454 |
| Total risk-based capital ratio | 32.6821% | 459 |
| Memoranda: | ||
| Average total assets | $246,643,600 | 2,638 |
| Average earning assets | $224,943,400 | 2,650 |
| Average equity | $40,261,800 | 1,659 |
| Average total loans | $84,422,800 | 4,370 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0582% | 6,421 |
| Cost of funding earning assets | 0.7353% | 7,774 |
| Net interest margin | 4.3229% | 1,667 |
| Noninterest income to average assets | 2.3173% | 299 |
| Noninterest expense to average assets | 3.8746% | 1,471 |
| Loan and lease loss provision to assets | 0.2451% | 5,002 |
| Net operating income to assets | 1.6680% | 592 |
| Return on assets (ROA) | 1.7241% | 564 |
| Pretax return on assets | 2.2018% | 349 |
| Return on Equity (ROE) | 10.5841% | 1,738 |
| Retained earnings to average equity (ytd only) | 3.9862% | 3,051 |
| Net charge-offs to loans | 0.2037% | 4,769 |
| Credit loss provision to net charge-offs | 348.8372% | 1,174 |
| Earnings coverage of net charge-offs (x) | 33.7976% | 852 |
| Efficiency ratio | 61.9977% | 6,099 |
| Assets per employee ($millions) | 2.5908% | 7,063 |
| Cash dividends to net income (ytd only)* | 62.3381% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 3,474 |
| Loan loss allowance to noncurrent loans | 3,375.6757% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.6132% | 5,918 |
| Noncurrent loans to loans | 0.0443% | 7,401 |
| Net loans and leases to total assets | 32.7286% | 7,725 |
| Net loans and leases to deposits | 39.7910% | 7,737 |
| Net loans and leases to core deposits | 43.0365% | 7,811 |
| Total domestic deposits to total assets | 82.2513% | 4,567 |
| Equity capital to assets | 16.4415% | 717 |
| Core capital (leverage) ratio | 14.6865% | 917 |
| Tier 1 risk-based capital ratio | 31.5129% | 489 |
| Total risk-based capital ratio | 32.6140% | 489 |
| Memoranda: | ||
| Average total assets | $244,765,250 | 2,677 |
| Average earning assets | $222,655,000 | 2,698 |
| Average equity | $39,870,250 | 1,706 |
| Average total loans | $84,423,250 | 4,409 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1472% | 6,262 |
| Cost of funding earning assets | 0.7638% | 7,861 |
| Net interest margin | 4.3834% | 1,443 |
| Noninterest income to average assets | 2.2351% | 315 |
| Noninterest expense to average assets | 3.9112% | 1,464 |
| Loan and lease loss provision to assets | 0.2473% | 4,603 |
| Net operating income to assets | 1.6136% | 662 |
| Return on assets (ROA) | 1.6514% | 680 |
| Pretax return on assets | 2.0941% | 443 |
| Return on Equity (ROE) | 10.1708% | 1,965 |
| Retained earnings to average equity (ytd only) | 3.4529% | 3,395 |
| Net charge-offs to loans | 0.1912% | 4,349 |
| Credit loss provision to net charge-offs | 370.3704% | 1,252 |
| Earnings coverage of net charge-offs (x) | 34.3457% | 909 |
| Efficiency ratio | 63.0348% | 6,081 |
| Assets per employee ($millions) | 2.4923% | 7,273 |
| Cash dividends to net income (ytd only)* | 66.0509% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 3,871 |
| Loan loss allowance to noncurrent loans | 4,986.9565% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.6189% | 5,871 |
| Noncurrent loans to loans | 0.0275% | 7,469 |
| Net loans and leases to total assets | 33.3987% | 7,796 |
| Net loans and leases to deposits | 40.6588% | 7,797 |
| Net loans and leases to core deposits | 43.6047% | 7,876 |
| Total domestic deposits to total assets | 82.1439% | 4,630 |
| Equity capital to assets | 16.2669% | 788 |
| Core capital (leverage) ratio | 14.5214% | 1,019 |
| Tier 1 risk-based capital ratio | 31.2635% | 526 |
| Total risk-based capital ratio | 32.2813% | 527 |
| Memoranda: | ||
| Average total assets | $242,584,000 | 2,728 |
| Average earning assets | $219,691,000 | 2,745 |
| Average equity | $39,387,330 | 1,727 |
| Average total loans | $84,731,330 | 4,441 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1858% | 6,349 |
| Cost of funding earning assets | 0.7915% | 7,918 |
| Net interest margin | 4.3943% | 1,355 |
| Noninterest income to average assets | 2.1105% | 331 |
| Noninterest expense to average assets | 3.8568% | 1,375 |
| Loan and lease loss provision to assets | 0.2495% | 3,974 |
| Net operating income to assets | 1.5746% | 818 |
| Return on assets (ROA) | 1.6232% | 831 |
| Pretax return on assets | 2.0640% | 583 |
| Return on Equity (ROE) | 10.0069% | 2,317 |
| Retained earnings to average equity (ytd only) | 3.0964% | 4,152 |
| Net charge-offs to loans | 0.1688% | 3,616 |
| Credit loss provision to net charge-offs | 416.6667% | 1,264 |
| Earnings coverage of net charge-offs (x) | 37.6111% | 891 |
| Efficiency ratio | 63.1364% | 5,847 |
| Assets per employee ($millions) | 2.5130% | 7,253 |
| Cash dividends to net income (ytd only)* | 69.0574% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 4,326 |
| Loan loss allowance to noncurrent loans | 4,530.4348% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 5,591 |
| Noncurrent loans to loans | 0.0279% | 7,475 |
| Net loans and leases to total assets | 33.7813% | 7,811 |
| Net loans and leases to deposits | 41.1077% | 7,809 |
| Net loans and leases to core deposits | 43.3243% | 7,916 |
| Total domestic deposits to total assets | 82.1775% | 4,479 |
| Equity capital to assets | 16.4417% | 804 |
| Core capital (leverage) ratio | 14.6799% | 1,038 |
| Tier 1 risk-based capital ratio | 31.6392% | 551 |
| Total risk-based capital ratio | 32.5851% | 551 |
| Memoranda: | ||
| Average total assets | $240,509,000 | 2,761 |
| Average earning assets | $218,829,000 | 2,776 |
| Average equity | $39,013,000 | 1,741 |
| Average total loans | $85,320,500 | 4,446 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6023% | 7,058 |
| Cost of funding earning assets | 1.1508% | 7,976 |
| Net interest margin | 4.4515% | 1,533 |
| Noninterest income to average assets | 2.4567% | 258 |
| Noninterest expense to average assets | 4.0327% | 1,369 |
| Loan and lease loss provision to assets | 0.1663% | 5,254 |
| Net operating income to assets | 1.7217% | 648 |
| Return on assets (ROA) | 1.7533% | 579 |
| Pretax return on assets | 2.2947% | 317 |
| Return on Equity (ROE) | 10.7191% | 1,997 |
| Retained earnings to average equity (ytd only) | 4.1795% | 2,526 |
| Net charge-offs to loans | 0.2309% | 3,930 |
| Credit loss provision to net charge-offs | 196.8912% | 2,490 |
| Earnings coverage of net charge-offs (x) | 28.6425% | 1,207 |
| Efficiency ratio | 62.5017% | 5,860 |
| Assets per employee ($millions) | 2.4219% | 7,360 |
| Cash dividends to net income (ytd only)* | 61.0085% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 5,598 |
| Loan loss allowance to noncurrent loans | 4,034.7826% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 5,304 |
| Noncurrent loans to loans | 0.0261% | 7,409 |
| Net loans and leases to total assets | 36.3575% | 7,821 |
| Net loans and leases to deposits | 43.8923% | 7,850 |
| Net loans and leases to core deposits | 46.1554% | 7,968 |
| Total domestic deposits to total assets | 82.8333% | 3,840 |
| Equity capital to assets | 15.9989% | 930 |
| Core capital (leverage) ratio | 14.6236% | 1,115 |
| Tier 1 risk-based capital ratio | 30.0102% | 645 |
| Total risk-based capital ratio | 30.8161% | 645 |
| Memoranda: | ||
| Average total assets | $228,480,600 | 2,784 |
| Average earning assets | $205,075,600 | 2,839 |
| Average equity | $37,372,600 | 1,807 |
| Average total loans | $83,585,000 | 4,411 |