Home > The Liberty National Bank in Paris > Performance and Condition Ratios
The Liberty National Bank in Paris, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 3,029 |
| Cost of funding earning assets | 1.5044% | 1,930 |
| Net interest margin | 3.0361% | 3,210 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.0596% | 3,498 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.9092% | 2,519 |
| Return on assets (ROA) | 0.9092% | 2,488 |
| Pretax return on assets | 1.1089% | 2,389 |
| Return on Equity (ROE) | 8.1300% | 2,985 |
| Retained earnings to average equity (ytd only) | 1.3246% | 3,754 |
| Net charge-offs to loans | 0.0419% | 1,481 |
| Credit loss provision to net charge-offs | 412.7119% | 772 |
| Earnings coverage of net charge-offs (x) | 42.3983% | 1,410 |
| Efficiency ratio | 62.6391% | 2,766 |
| Assets per employee ($millions) | 7.9531% | 1,464 |
| Cash dividends to net income (ytd only)* | 83.7159% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7497% | 593 |
| Loan loss allowance to noncurrent loans | 1,647.2492% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 3,053 |
| Noncurrent loans to loans | 0.1062% | 3,006 |
| Net loans and leases to total assets | 69.1100% | 1,909 |
| Net loans and leases to deposits | 79.3203% | 2,163 |
| Net loans and leases to core deposits | 92.3786% | 1,876 |
| Total domestic deposits to total assets | 87.1300% | 1,634 |
| Equity capital to assets | 11.0579% | 1,447 |
| Core capital (leverage) ratio | 12.3396% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $407,261,000 | 1,993 |
| Average earning assets | $377,752,000 | 1,984 |
| Average equity | $45,522,000 | 1,720 |
| Average total loans | $281,463,800 | 1,867 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 3,125 |
| Cost of funding earning assets | 1.0904% | 1,778 |
| Net interest margin | 3.0661% | 3,426 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.0029% | 3,621 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.9990% | 2,528 |
| Return on assets (ROA) | 0.9990% | 2,497 |
| Pretax return on assets | 1.2147% | 2,390 |
| Return on Equity (ROE) | 9.0100% | 3,047 |
| Retained earnings to average equity (ytd only) | 9.0074% | 1,949 |
| Net charge-offs to loans | 0.0863% | 649 |
| Credit loss provision to net charge-offs | 210.1695% | 808 |
| Earnings coverage of net charge-offs (x) | 22.8136% | 1,420 |
| Efficiency ratio | 59.9524% | 2,965 |
| Assets per employee ($millions) | 7.8027% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 762 |
| Loan loss allowance to noncurrent loans | 1,129.0094% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 2,794 |
| Noncurrent loans to loans | 0.1532% | 2,724 |
| Net loans and leases to total assets | 67.0500% | 1,941 |
| Net loans and leases to deposits | 75.7901% | 2,138 |
| Net loans and leases to core deposits | 82.9247% | 2,066 |
| Total domestic deposits to total assets | 88.4600% | 1,752 |
| Equity capital to assets | 11.2336% | 1,256 |
| Core capital (leverage) ratio | 12.7764% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $402,412,000 | 2,034 |
| Average earning assets | $372,715,500 | 2,025 |
| Average equity | $44,630,000 | 1,750 |
| Average total loans | $273,392,000 | 1,914 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7805% | 2,329 |
| Cost of funding earning assets | 0.4504% | 1,723 |
| Net interest margin | 3.3301% | 2,482 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.0937% | 3,310 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.0930% | 2,205 |
| Return on assets (ROA) | 1.0991% | 2,111 |
| Pretax return on assets | 1.3361% | 1,972 |
| Return on Equity (ROE) | 9.2300% | 3,056 |
| Retained earnings to average equity (ytd only) | 1.7045% | 4,044 |
| Net charge-offs to loans | 0.0383% | 1,330 |
| Credit loss provision to net charge-offs | 832.6316% | 483 |
| Earnings coverage of net charge-offs (x) | 62.9579% | 1,221 |
| Efficiency ratio | 57.7583% | 3,373 |
| Assets per employee ($millions) | 7.9817% | 1,328 |
| Cash dividends to net income (ytd only)* | 81.5281% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7491% | 730 |
| Loan loss allowance to noncurrent loans | 1,171.7122% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 2,835 |
| Noncurrent loans to loans | 0.1493% | 2,756 |
| Net loans and leases to total assets | 66.4600% | 1,987 |
| Net loans and leases to deposits | 77.5109% | 1,998 |
| Net loans and leases to core deposits | 83.5490% | 1,901 |
| Total domestic deposits to total assets | 85.7500% | 2,793 |
| Equity capital to assets | 10.9453% | 1,282 |
| Core capital (leverage) ratio | 12.8722% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $390,604,200 | 2,057 |
| Average earning assets | $363,684,200 | 2,054 |
| Average equity | $46,524,800 | 1,719 |
| Average total loans | $248,325,200 | 1,951 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6612% | 2,162 |
| Cost of funding earning assets | 0.3461% | 1,738 |
| Net interest margin | 3.3151% | 2,253 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 1.9542% | 3,616 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.2542% | 1,510 |
| Return on assets (ROA) | 1.2644% | 1,440 |
| Pretax return on assets | 1.5437% | 1,289 |
| Return on Equity (ROE) | 10.4000% | 2,610 |
| Retained earnings to average equity (ytd only) | 10.3986% | 1,224 |
| Net charge-offs to loans | 0.0439% | 1,051 |
| Credit loss provision to net charge-offs | 455.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 60.3250% | 1,172 |
| Efficiency ratio | 54.1255% | 3,814 |
| Assets per employee ($millions) | 8.0470% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 1,012 |
| Loan loss allowance to noncurrent loans | 2,367.5824% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 3,451 |
| Noncurrent loans to loans | 0.0689% | 3,381 |
| Net loans and leases to total assets | 64.6200% | 2,023 |
| Net loans and leases to deposits | 74.5245% | 2,004 |
| Net loans and leases to core deposits | 77.2862% | 2,094 |
| Total domestic deposits to total assets | 86.7100% | 2,852 |
| Equity capital to assets | 11.3398% | 1,060 |
| Core capital (leverage) ratio | 13.6172% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $388,483,750 | 2,084 |
| Average earning assets | $362,170,000 | 2,077 |
| Average equity | $47,235,750 | 1,711 |
| Average total loans | $242,915,250 | 1,981 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6089% | 1,817 |
| Cost of funding earning assets | 0.2533% | 2,216 |
| Net interest margin | 3.3556% | 1,738 |
| Noninterest income to average assets | 0.5268% | 2,057 |
| Noninterest expense to average assets | 1.9663% | 3,530 |
| Loan and lease loss provision to assets | 0.1250% | 779 |
| Net operating income to assets | 1.2736% | 1,214 |
| Return on assets (ROA) | 1.2890% | 1,151 |
| Pretax return on assets | 1.5808% | 989 |
| Return on Equity (ROE) | 10.3575% | 2,201 |
| Retained earnings to average equity (ytd only) | 10.3575% | 932 |
| Net charge-offs to loans | 0.0636% | 775 |
| Credit loss provision to net charge-offs | 320.0000% | 778 |
| Earnings coverage of net charge-offs (x) | 43.1733% | 1,224 |
| Efficiency ratio | 53.8220% | 3,983 |
| Assets per employee ($millions) | 7.6899% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6704% | 1,012 |
| Loan loss allowance to noncurrent loans | 1,650.3937% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 3,330 |
| Noncurrent loans to loans | 0.1012% | 3,252 |
| Net loans and leases to total assets | 62.9227% | 2,023 |
| Net loans and leases to deposits | 71.5611% | 2,065 |
| Net loans and leases to core deposits | 73.8527% | 2,186 |
| Total domestic deposits to total assets | 87.9286% | 2,600 |
| Equity capital to assets | 11.8947% | 912 |
| Core capital (leverage) ratio | 13.5205% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $383,861,000 | 2,114 |
| Average earning assets | $357,667,333 | 2,115 |
| Average equity | $47,772,333 | 1,742 |
| Average total loans | $235,781,667 | 2,021 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5661% | 1,601 |
| Cost of funding earning assets | 0.2041% | 2,743 |
| Net interest margin | 3.3620% | 1,401 |
| Noninterest income to average assets | 0.5352% | 1,971 |
| Noninterest expense to average assets | 1.9795% | 3,482 |
| Loan and lease loss provision to assets | 0.1264% | 655 |
| Net operating income to assets | 1.2843% | 1,034 |
| Return on assets (ROA) | 1.2947% | 1,008 |
| Pretax return on assets | 1.5823% | 858 |
| Return on Equity (ROE) | 10.1709% | 1,900 |
| Retained earnings to average equity (ytd only) | 10.1709% | 981 |
| Net charge-offs to loans | 0.0175% | 1,181 |
| Credit loss provision to net charge-offs | 1,200.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 508 |
| Efficiency ratio | 53.8550% | 4,062 |
| Assets per employee ($millions) | 7.6438% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7653% | 936 |
| Loan loss allowance to noncurrent loans | 1,411.6041% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,303 |
| Noncurrent loans to loans | 0.1251% | 3,195 |
| Net loans and leases to total assets | 60.2210% | 2,041 |
| Net loans and leases to deposits | 70.9020% | 1,875 |
| Net loans and leases to core deposits | 72.9678% | 2,024 |
| Total domestic deposits to total assets | 84.9356% | 3,549 |
| Equity capital to assets | 12.3077% | 858 |
| Core capital (leverage) ratio | 13.3592% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $379,700,000 | 2,134 |
| Average earning assets | $354,671,000 | 2,133 |
| Average equity | $48,334,000 | 1,777 |
| Average total loans | $228,190,500 | 2,058 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6327% | 2,300 |
| Cost of funding earning assets | 0.1986% | 3,479 |
| Net interest margin | 3.4342% | 1,920 |
| Noninterest income to average assets | 0.5606% | 2,317 |
| Noninterest expense to average assets | 2.0250% | 3,599 |
| Loan and lease loss provision to assets | 0.1605% | 737 |
| Net operating income to assets | 1.2724% | 1,681 |
| Return on assets (ROA) | 1.2724% | 1,742 |
| Pretax return on assets | 1.5426% | 1,595 |
| Return on Equity (ROE) | 9.2345% | 2,813 |
| Retained earnings to average equity (ytd only) | 2.1763% | 3,929 |
| Net charge-offs to loans | 0.0638% | 1,147 |
| Credit loss provision to net charge-offs | 446.6165% | 859 |
| Earnings coverage of net charge-offs (x) | 47.3985% | 1,330 |
| Efficiency ratio | 54.3188% | 3,899 |
| Assets per employee ($millions) | 7.8585% | 1,412 |
| Cash dividends to net income (ytd only)* | 76.4331% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8128% | 842 |
| Loan loss allowance to noncurrent loans | 2,236.6667% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 3,657 |
| Noncurrent loans to loans | 0.0811% | 3,521 |
| Net loans and leases to total assets | 57.8087% | 2,396 |
| Net loans and leases to deposits | 66.6729% | 2,444 |
| Net loans and leases to core deposits | 68.5992% | 2,596 |
| Total domestic deposits to total assets | 86.7049% | 2,619 |
| Equity capital to assets | 13.1569% | 856 |
| Core capital (leverage) ratio | 13.2164% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,165,000 | 2,109 |
| Average earning assets | $341,422,200 | 2,121 |
| Average equity | $51,004,200 | 1,735 |
| Average total loans | $208,478,000 | 2,183 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6410% | 2,450 |
| Cost of funding earning assets | 0.2002% | 3,605 |
| Net interest margin | 3.4408% | 2,039 |
| Noninterest income to average assets | 0.5649% | 2,354 |
| Noninterest expense to average assets | 1.8707% | 4,005 |
| Loan and lease loss provision to assets | 0.1344% | 851 |
| Net operating income to assets | 1.4020% | 1,535 |
| Return on assets (ROA) | 1.4020% | 1,595 |
| Pretax return on assets | 1.7198% | 1,361 |
| Return on Equity (ROE) | 10.0592% | 2,719 |
| Retained earnings to average equity (ytd only) | 10.0592% | 1,294 |
| Net charge-offs to loans | 0.0611% | 1,027 |
| Credit loss provision to net charge-offs | 394.6809% | 862 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 1,191 |
| Efficiency ratio | 50.2235% | 4,202 |
| Assets per employee ($millions) | 7.3811% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8388% | 861 |
| Loan loss allowance to noncurrent loans | 1,722.8700% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,725 |
| Noncurrent loans to loans | 0.1067% | 3,561 |
| Net loans and leases to total assets | 54.4843% | 2,911 |
| Net loans and leases to deposits | 63.4775% | 2,908 |
| Net loans and leases to core deposits | 65.8580% | 2,967 |
| Total domestic deposits to total assets | 85.8324% | 2,807 |
| Equity capital to assets | 14.0611% | 726 |
| Core capital (leverage) ratio | 13.9486% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $368,404,250 | 2,132 |
| Average earning assets | $338,319,500 | 2,162 |
| Average equity | $51,348,000 | 1,739 |
| Average total loans | $205,076,250 | 2,238 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5500% | 2,773 |
| Cost of funding earning assets | 0.1992% | 3,760 |
| Net interest margin | 3.3508% | 2,297 |
| Noninterest income to average assets | 0.5769% | 2,308 |
| Noninterest expense to average assets | 1.8560% | 4,064 |
| Loan and lease loss provision to assets | 0.1373% | 891 |
| Net operating income to assets | 1.3644% | 1,667 |
| Return on assets (ROA) | 1.3644% | 1,741 |
| Pretax return on assets | 1.6657% | 1,573 |
| Return on Equity (ROE) | 9.8189% | 2,819 |
| Retained earnings to average equity (ytd only) | 9.8189% | 1,456 |
| Net charge-offs to loans | 0.0873% | 805 |
| Credit loss provision to net charge-offs | 282.0225% | 914 |
| Earnings coverage of net charge-offs (x) | 37.0449% | 1,201 |
| Efficiency ratio | 50.7249% | 4,171 |
| Assets per employee ($millions) | 7.6925% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 926 |
| Loan loss allowance to noncurrent loans | 1,540.0826% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 3,554 |
| Noncurrent loans to loans | 0.1152% | 3,614 |
| Net loans and leases to total assets | 53.6676% | 3,172 |
| Net loans and leases to deposits | 62.0576% | 3,193 |
| Net loans and leases to core deposits | 64.3874% | 3,256 |
| Total domestic deposits to total assets | 86.4803% | 2,555 |
| Equity capital to assets | 13.4471% | 829 |
| Core capital (leverage) ratio | 13.8871% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,726,667 | 2,134 |
| Average earning assets | $336,397,000 | 2,159 |
| Average equity | $50,820,333 | 1,749 |
| Average total loans | $203,788,000 | 2,256 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 2,426 |
| Cost of funding earning assets | 0.1988% | 3,924 |
| Net interest margin | 3.4749% | 1,897 |
| Noninterest income to average assets | 0.6242% | 2,115 |
| Noninterest expense to average assets | 1.7930% | 4,231 |
| Loan and lease loss provision to assets | 0.1471% | 892 |
| Net operating income to assets | 1.5426% | 1,232 |
| Return on assets (ROA) | 1.5426% | 1,298 |
| Pretax return on assets | 1.8637% | 1,170 |
| Return on Equity (ROE) | 10.9113% | 2,391 |
| Retained earnings to average equity (ytd only) | 10.9113% | 1,423 |
| Net charge-offs to loans | 0.0758% | 821 |
| Credit loss provision to net charge-offs | 344.7368% | 703 |
| Earnings coverage of net charge-offs (x) | 47.1316% | 921 |
| Efficiency ratio | 47.1370% | 4,394 |
| Assets per employee ($millions) | 7.2189% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 834 |
| Loan loss allowance to noncurrent loans | 557.7744% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 3,263 |
| Noncurrent loans to loans | 0.3273% | 2,928 |
| Net loans and leases to total assets | 54.5201% | 3,189 |
| Net loans and leases to deposits | 63.5299% | 3,167 |
| Net loans and leases to core deposits | 65.8622% | 3,253 |
| Total domestic deposits to total assets | 85.8180% | 2,802 |
| Equity capital to assets | 14.1446% | 640 |
| Core capital (leverage) ratio | 14.3827% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,277,500 | 2,157 |
| Average earning assets | $325,992,000 | 2,197 |
| Average equity | $50,370,000 | 1,752 |
| Average total loans | $200,609,000 | 2,281 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 3,037 |
| Cost of funding earning assets | 0.3795% | 3,711 |
| Net interest margin | 3.5175% | 2,419 |
| Noninterest income to average assets | 0.7121% | 1,824 |
| Noninterest expense to average assets | 2.1320% | 3,865 |
| Loan and lease loss provision to assets | 0.2324% | 1,674 |
| Net operating income to assets | 1.3446% | 1,136 |
| Return on assets (ROA) | 1.3446% | 1,236 |
| Pretax return on assets | 1.5919% | 1,092 |
| Return on Equity (ROE) | 8.6469% | 2,536 |
| Retained earnings to average equity (ytd only) | 2.2448% | 3,731 |
| Net charge-offs to loans | 0.1339% | 1,207 |
| Credit loss provision to net charge-offs | 297.6096% | 1,744 |
| Earnings coverage of net charge-offs (x) | 23.3625% | 1,806 |
| Efficiency ratio | 53.8885% | 4,225 |
| Assets per employee ($millions) | 7.0322% | 1,565 |
| Cash dividends to net income (ytd only)* | 74.0398% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7756% | 893 |
| Loan loss allowance to noncurrent loans | 645.8333% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 3,482 |
| Noncurrent loans to loans | 0.2749% | 3,203 |
| Net loans and leases to total assets | 56.0867% | 3,291 |
| Net loans and leases to deposits | 65.3596% | 3,328 |
| Net loans and leases to core deposits | 67.7634% | 3,429 |
| Total domestic deposits to total assets | 85.8124% | 2,449 |
| Equity capital to assets | 14.1310% | 761 |
| Core capital (leverage) ratio | 14.3986% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,438,400 | 2,184 |
| Average earning assets | $296,458,800 | 2,206 |
| Average equity | $49,983,000 | 1,690 |
| Average total loans | $187,509,800 | 2,347 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 3,282 |
| Cost of funding earning assets | 0.4299% | 3,645 |
| Net interest margin | 3.4602% | 2,718 |
| Noninterest income to average assets | 0.5785% | 2,264 |
| Noninterest expense to average assets | 2.0750% | 3,996 |
| Loan and lease loss provision to assets | 0.1389% | 2,628 |
| Net operating income to assets | 1.2883% | 1,381 |
| Return on assets (ROA) | 1.2883% | 1,486 |
| Pretax return on assets | 1.5546% | 1,314 |
| Return on Equity (ROE) | 8.0785% | 2,783 |
| Retained earnings to average equity (ytd only) | 8.0785% | 1,280 |
| Net charge-offs to loans | 0.1621% | 911 |
| Credit loss provision to net charge-offs | 145.9821% | 2,350 |
| Earnings coverage of net charge-offs (x) | 17.7991% | 1,991 |
| Efficiency ratio | 55.0609% | 4,029 |
| Assets per employee ($millions) | 6.4015% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 1,084 |
| Loan loss allowance to noncurrent loans | 512.6010% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 3,494 |
| Noncurrent loans to loans | 0.3134% | 3,164 |
| Net loans and leases to total assets | 58.3881% | 3,383 |
| Net loans and leases to deposits | 69.2068% | 3,379 |
| Net loans and leases to core deposits | 72.0325% | 3,468 |
| Total domestic deposits to total assets | 84.3675% | 2,687 |
| Equity capital to assets | 15.5468% | 533 |
| Core capital (leverage) ratio | 15.3075% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,895,250 | 2,202 |
| Average earning assets | $289,377,750 | 2,220 |
| Average equity | $50,057,250 | 1,682 |
| Average total loans | $184,194,250 | 2,381 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 3,438 |
| Cost of funding earning assets | 0.4872% | 3,609 |
| Net interest margin | 3.4706% | 2,880 |
| Noninterest income to average assets | 0.5878% | 2,178 |
| Noninterest expense to average assets | 2.0548% | 4,124 |
| Loan and lease loss provision to assets | 0.1327% | 2,689 |
| Net operating income to assets | 1.3187% | 1,310 |
| Return on assets (ROA) | 1.3187% | 1,411 |
| Pretax return on assets | 1.5918% | 1,245 |
| Return on Equity (ROE) | 8.1952% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.1952% | 1,246 |
| Net charge-offs to loans | 0.1880% | 811 |
| Credit loss provision to net charge-offs | 120.7101% | 2,278 |
| Earnings coverage of net charge-offs (x) | 15.6923% | 1,894 |
| Efficiency ratio | 54.3703% | 4,135 |
| Assets per employee ($millions) | 6.4829% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 919 |
| Loan loss allowance to noncurrent loans | 483.6449% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 3,539 |
| Noncurrent loans to loans | 0.3393% | 3,179 |
| Net loans and leases to total assets | 57.4128% | 3,563 |
| Net loans and leases to deposits | 68.1515% | 3,551 |
| Net loans and leases to core deposits | 71.5455% | 3,617 |
| Total domestic deposits to total assets | 84.2430% | 2,664 |
| Equity capital to assets | 15.6799% | 515 |
| Core capital (leverage) ratio | 15.4217% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,567,667 | 2,205 |
| Average earning assets | $282,829,667 | 2,226 |
| Average equity | $49,492,333 | 1,681 |
| Average total loans | $179,747,667 | 2,400 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 3,494 |
| Cost of funding earning assets | 0.5778% | 3,546 |
| Net interest margin | 3.5336% | 2,871 |
| Noninterest income to average assets | 0.6282% | 1,910 |
| Noninterest expense to average assets | 2.1091% | 4,203 |
| Loan and lease loss provision to assets | 0.1123% | 2,278 |
| Net operating income to assets | 1.3726% | 1,053 |
| Return on assets (ROA) | 1.3726% | 1,132 |
| Pretax return on assets | 1.6520% | 945 |
| Return on Equity (ROE) | 8.4136% | 2,342 |
| Retained earnings to average equity (ytd only) | 8.4136% | 1,122 |
| Net charge-offs to loans | 0.2308% | 616 |
| Credit loss provision to net charge-offs | 83.1683% | 1,925 |
| Earnings coverage of net charge-offs (x) | 13.0693% | 1,671 |
| Efficiency ratio | 54.4513% | 4,366 |
| Assets per employee ($millions) | 6.0905% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7233% | 835 |
| Loan loss allowance to noncurrent loans | 466.6667% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 3,627 |
| Noncurrent loans to loans | 0.3693% | 3,166 |
| Net loans and leases to total assets | 56.0320% | 3,837 |
| Net loans and leases to deposits | 66.8352% | 3,808 |
| Net loans and leases to core deposits | 70.2412% | 3,867 |
| Total domestic deposits to total assets | 83.8360% | 2,843 |
| Equity capital to assets | 16.0159% | 580 |
| Core capital (leverage) ratio | 16.5066% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,278,000 | 2,215 |
| Average earning assets | $274,847,000 | 2,227 |
| Average equity | $48,825,500 | 1,696 |
| Average total loans | $175,018,000 | 2,413 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 4,161 |
| Cost of funding earning assets | 0.5735% | 3,750 |
| Net interest margin | 3.4678% | 3,541 |
| Noninterest income to average assets | 0.6249% | 2,112 |
| Noninterest expense to average assets | 2.1905% | 4,175 |
| Loan and lease loss provision to assets | 0.1226% | 1,729 |
| Net operating income to assets | 1.2725% | 1,791 |
| Return on assets (ROA) | 1.2678% | 1,892 |
| Pretax return on assets | 1.5154% | 1,758 |
| Return on Equity (ROE) | 7.6347% | 3,310 |
| Retained earnings to average equity (ytd only) | 2.0056% | 3,997 |
| Net charge-offs to loans | 0.1483% | 1,335 |
| Credit loss provision to net charge-offs | 145.6790% | 1,759 |
| Earnings coverage of net charge-offs (x) | 19.5350% | 1,993 |
| Efficiency ratio | 57.1338% | 4,073 |
| Assets per employee ($millions) | 5.6459% | 1,931 |
| Cash dividends to net income (ytd only)* | 73.7302% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7752% | 689 |
| Loan loss allowance to noncurrent loans | 331.8919% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 3,131 |
| Noncurrent loans to loans | 0.5349% | 2,573 |
| Net loans and leases to total assets | 58.9948% | 3,674 |
| Net loans and leases to deposits | 70.8472% | 3,605 |
| Net loans and leases to core deposits | 75.2485% | 3,629 |
| Total domestic deposits to total assets | 83.2704% | 3,114 |
| Equity capital to assets | 16.6365% | 510 |
| Core capital (leverage) ratio | 16.4011% | 472 |
| Tier 1 risk-based capital ratio | 27.0102% | 612 |
| Total risk-based capital ratio | 28.2661% | 603 |
| Memoranda: | ||
| Average total assets | $288,843,000 | 2,231 |
| Average earning assets | $267,288,400 | 2,230 |
| Average equity | $47,965,400 | 1,660 |
| Average total loans | $163,900,800 | 2,469 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 4,362 |
| Cost of funding earning assets | 0.5684% | 3,827 |
| Net interest margin | 3.4305% | 3,780 |
| Noninterest income to average assets | 0.6075% | 2,169 |
| Noninterest expense to average assets | 2.0419% | 4,473 |
| Loan and lease loss provision to assets | 0.0881% | 2,147 |
| Net operating income to assets | 1.3751% | 1,547 |
| Return on assets (ROA) | 1.3690% | 1,642 |
| Pretax return on assets | 1.6406% | 1,494 |
| Return on Equity (ROE) | 8.2475% | 3,216 |
| Retained earnings to average equity (ytd only) | 8.2475% | 1,299 |
| Net charge-offs to loans | 0.1765% | 958 |
| Credit loss provision to net charge-offs | 89.2523% | 2,404 |
| Earnings coverage of net charge-offs (x) | 17.5885% | 2,085 |
| Efficiency ratio | 54.0471% | 4,388 |
| Assets per employee ($millions) | 5.9059% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 754 |
| Loan loss allowance to noncurrent loans | 347.0449% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 2,807 |
| Noncurrent loans to loans | 0.5019% | 2,791 |
| Net loans and leases to total assets | 56.0917% | 4,042 |
| Net loans and leases to deposits | 67.5861% | 3,948 |
| Net loans and leases to core deposits | 70.3756% | 4,042 |
| Total domestic deposits to total assets | 82.9929% | 3,174 |
| Equity capital to assets | 16.8858% | 495 |
| Core capital (leverage) ratio | 17.0172% | 441 |
| Tier 1 risk-based capital ratio | 28.0986% | 571 |
| Total risk-based capital ratio | 29.3535% | 549 |
| Memoranda: | ||
| Average total assets | $289,069,000 | 2,238 |
| Average earning assets | $267,166,000 | 2,244 |
| Average equity | $47,981,000 | 1,661 |
| Average total loans | $161,641,250 | 2,521 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 4,432 |
| Cost of funding earning assets | 0.5446% | 3,909 |
| Net interest margin | 3.4288% | 3,805 |
| Noninterest income to average assets | 0.6007% | 2,150 |
| Noninterest expense to average assets | 2.0363% | 4,542 |
| Loan and lease loss provision to assets | 0.0885% | 2,072 |
| Net operating income to assets | 1.3732% | 1,507 |
| Return on assets (ROA) | 1.3638% | 1,595 |
| Pretax return on assets | 1.6328% | 1,449 |
| Return on Equity (ROE) | 8.2655% | 3,173 |
| Retained earnings to average equity (ytd only) | 8.2655% | 1,290 |
| Net charge-offs to loans | 0.2285% | 738 |
| Credit loss provision to net charge-offs | 69.7802% | 2,319 |
| Earnings coverage of net charge-offs (x) | 13.6593% | 2,084 |
| Efficiency ratio | 54.0311% | 4,467 |
| Assets per employee ($millions) | 5.7819% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 695 |
| Loan loss allowance to noncurrent loans | 418.4438% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 2,978 |
| Noncurrent loans to loans | 0.4274% | 2,998 |
| Net loans and leases to total assets | 55.1578% | 4,129 |
| Net loans and leases to deposits | 66.4273% | 4,067 |
| Net loans and leases to core deposits | 68.8580% | 4,162 |
| Total domestic deposits to total assets | 83.0349% | 3,188 |
| Equity capital to assets | 16.8724% | 483 |
| Core capital (leverage) ratio | 17.0353% | 428 |
| Tier 1 risk-based capital ratio | 28.2101% | 555 |
| Total risk-based capital ratio | 29.4653% | 542 |
| Memoranda: | ||
| Average total assets | $286,993,670 | 2,255 |
| Average earning assets | $265,166,330 | 2,272 |
| Average equity | $47,353,670 | 1,671 |
| Average total loans | $159,331,000 | 2,543 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 4,546 |
| Cost of funding earning assets | 0.5260% | 3,941 |
| Net interest margin | 3.3785% | 3,941 |
| Noninterest income to average assets | 0.6057% | 2,019 |
| Noninterest expense to average assets | 2.0200% | 4,603 |
| Loan and lease loss provision to assets | 0.0937% | 1,857 |
| Net operating income to assets | 1.3533% | 1,518 |
| Return on assets (ROA) | 1.3345% | 1,617 |
| Pretax return on assets | 1.5961% | 1,483 |
| Return on Equity (ROE) | 8.1815% | 3,177 |
| Retained earnings to average equity (ytd only) | 8.1815% | 1,596 |
| Net charge-offs to loans | 0.1293% | 967 |
| Credit loss provision to net charge-offs | 131.3725% | 1,347 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,459 |
| Efficiency ratio | 54.1229% | 4,523 |
| Assets per employee ($millions) | 6.0110% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8752% | 617 |
| Loan loss allowance to noncurrent loans | 340.0000% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 3,398 |
| Noncurrent loans to loans | 0.5515% | 2,667 |
| Net loans and leases to total assets | 53.9544% | 4,211 |
| Net loans and leases to deposits | 64.6500% | 4,145 |
| Net loans and leases to core deposits | 66.3504% | 4,270 |
| Total domestic deposits to total assets | 83.4561% | 3,233 |
| Equity capital to assets | 16.4139% | 511 |
| Core capital (leverage) ratio | 16.9369% | 428 |
| Tier 1 risk-based capital ratio | 27.8000% | 577 |
| Total risk-based capital ratio | 29.0555% | 559 |
| Memoranda: | ||
| Average total assets | $285,943,500 | 2,277 |
| Average earning assets | $264,614,500 | 2,285 |
| Average equity | $46,642,000 | 1,680 |
| Average total loans | $157,815,500 | 2,590 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7037% | 4,667 |
| Cost of funding earning assets | 0.3913% | 4,040 |
| Net interest margin | 3.3124% | 4,217 |
| Noninterest income to average assets | 0.6256% | 2,166 |
| Noninterest expense to average assets | 2.1134% | 4,530 |
| Loan and lease loss provision to assets | 0.0955% | 2,246 |
| Net operating income to assets | 1.2438% | 1,997 |
| Return on assets (ROA) | 1.2399% | 2,005 |
| Pretax return on assets | 1.4729% | 1,865 |
| Return on Equity (ROE) | 7.7277% | 3,561 |
| Retained earnings to average equity (ytd only) | 2.5121% | 4,140 |
| Net charge-offs to loans | 0.1508% | 1,274 |
| Credit loss provision to net charge-offs | 127.4419% | 2,068 |
| Earnings coverage of net charge-offs (x) | 20.9814% | 1,971 |
| Efficiency ratio | 57.3307% | 4,240 |
| Assets per employee ($millions) | 5.6672% | 1,805 |
| Cash dividends to net income (ytd only)* | 67.4916% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8843% | 589 |
| Loan loss allowance to noncurrent loans | 476.3285% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 3,642 |
| Noncurrent loans to loans | 0.3956% | 3,113 |
| Net loans and leases to total assets | 54.3567% | 4,254 |
| Net loans and leases to deposits | 66.0327% | 4,118 |
| Net loans and leases to core deposits | 67.7523% | 4,246 |
| Total domestic deposits to total assets | 82.3178% | 3,549 |
| Equity capital to assets | 16.2074% | 504 |
| Core capital (leverage) ratio | 16.3239% | 477 |
| Tier 1 risk-based capital ratio | 27.6672% | 585 |
| Total risk-based capital ratio | 28.9233% | 574 |
| Memoranda: | ||
| Average total assets | $286,787,000 | 2,224 |
| Average earning assets | $265,003,800 | 2,227 |
| Average equity | $46,016,400 | 1,630 |
| Average total loans | $142,552,000 | 2,734 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6138% | 4,778 |
| Cost of funding earning assets | 0.3602% | 4,115 |
| Net interest margin | 3.2537% | 4,391 |
| Noninterest income to average assets | 0.6248% | 2,190 |
| Noninterest expense to average assets | 2.0061% | 4,730 |
| Loan and lease loss provision to assets | 0.0468% | 3,048 |
| Net operating income to assets | 1.3229% | 1,769 |
| Return on assets (ROA) | 1.3229% | 1,775 |
| Pretax return on assets | 1.5741% | 1,657 |
| Return on Equity (ROE) | 8.2652% | 3,433 |
| Retained earnings to average equity (ytd only) | 8.2652% | 1,529 |
| Net charge-offs to loans | 0.1027% | 1,462 |
| Credit loss provision to net charge-offs | 94.3925% | 2,370 |
| Earnings coverage of net charge-offs (x) | 32.6830% | 1,537 |
| Efficiency ratio | 55.3099% | 4,473 |
| Assets per employee ($millions) | 5.5721% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8819% | 619 |
| Loan loss allowance to noncurrent loans | 412.8388% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 3,724 |
| Noncurrent loans to loans | 0.4558% | 3,017 |
| Net loans and leases to total assets | 53.0951% | 4,413 |
| Net loans and leases to deposits | 64.8560% | 4,285 |
| Net loans and leases to core deposits | 66.2110% | 4,400 |
| Total domestic deposits to total assets | 81.8660% | 3,653 |
| Equity capital to assets | 16.6297% | 448 |
| Core capital (leverage) ratio | 16.9829% | 422 |
| Tier 1 risk-based capital ratio | 31.2981% | 422 |
| Total risk-based capital ratio | 32.5552% | 419 |
| Memoranda: | ||
| Average total assets | $287,644,250 | 2,233 |
| Average earning assets | $265,417,500 | 2,234 |
| Average equity | $46,039,250 | 1,630 |
| Average total loans | $138,944,500 | 2,802 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5117% | 4,907 |
| Cost of funding earning assets | 0.3454% | 4,103 |
| Net interest margin | 3.1662% | 4,584 |
| Noninterest income to average assets | 0.6344% | 2,159 |
| Noninterest expense to average assets | 2.0083% | 4,785 |
| Loan and lease loss provision to assets | 0.0443% | 3,014 |
| Net operating income to assets | 1.2604% | 1,936 |
| Return on assets (ROA) | 1.2604% | 1,937 |
| Pretax return on assets | 1.4952% | 1,832 |
| Return on Equity (ROE) | 7.9767% | 3,518 |
| Retained earnings to average equity (ytd only) | 7.9767% | 1,646 |
| Net charge-offs to loans | 0.0522% | 1,855 |
| Credit loss provision to net charge-offs | 182.8571% | 1,390 |
| Earnings coverage of net charge-offs (x) | 63.5143% | 959 |
| Efficiency ratio | 56.6075% | 4,401 |
| Assets per employee ($millions) | 5.7724% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0987% | 442 |
| Loan loss allowance to noncurrent loans | 465.5008% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 3,910 |
| Noncurrent loans to loans | 0.4509% | 3,085 |
| Net loans and leases to total assets | 47.3236% | 4,756 |
| Net loans and leases to deposits | 56.4233% | 4,729 |
| Net loans and leases to core deposits | 57.5541% | 4,811 |
| Total domestic deposits to total assets | 83.8725% | 3,114 |
| Equity capital to assets | 16.0606% | 494 |
| Core capital (leverage) ratio | 16.4699% | 449 |
| Tier 1 risk-based capital ratio | 33.0208% | 372 |
| Total risk-based capital ratio | 34.2806% | 365 |
| Memoranda: | ||
| Average total assets | $288,799,330 | 2,236 |
| Average earning assets | $265,743,000 | 2,244 |
| Average equity | $45,633,000 | 1,650 |
| Average total loans | $133,999,670 | 2,868 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3917% | 5,034 |
| Cost of funding earning assets | 0.3287% | 4,140 |
| Net interest margin | 3.0631% | 4,773 |
| Noninterest income to average assets | 0.6369% | 2,092 |
| Noninterest expense to average assets | 1.9537% | 4,933 |
| Loan and lease loss provision to assets | 0.0471% | 2,820 |
| Net operating income to assets | 1.2351% | 1,871 |
| Return on assets (ROA) | 1.2351% | 1,879 |
| Pretax return on assets | 1.4622% | 1,797 |
| Return on Equity (ROE) | 7.8812% | 3,428 |
| Retained earnings to average equity (ytd only) | 7.8812% | 1,886 |
| Net charge-offs to loans | 0.0914% | 1,248 |
| Credit loss provision to net charge-offs | 113.3333% | 1,424 |
| Earnings coverage of net charge-offs (x) | 36.3333% | 1,120 |
| Efficiency ratio | 56.4174% | 4,527 |
| Assets per employee ($millions) | 5.6163% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1897% | 396 |
| Loan loss allowance to noncurrent loans | 818.0282% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 4,487 |
| Noncurrent loans to loans | 0.2677% | 3,813 |
| Net loans and leases to total assets | 44.4166% | 4,878 |
| Net loans and leases to deposits | 52.6791% | 4,853 |
| Net loans and leases to core deposits | 53.8361% | 4,919 |
| Total domestic deposits to total assets | 84.3155% | 3,186 |
| Equity capital to assets | 15.5780% | 556 |
| Core capital (leverage) ratio | 16.2261% | 461 |
| Tier 1 risk-based capital ratio | 33.9416% | 350 |
| Total risk-based capital ratio | 35.2027% | 348 |
| Memoranda: | ||
| Average total assets | $288,889,500 | 2,256 |
| Average earning assets | $266,529,500 | 2,259 |
| Average equity | $45,272,500 | 1,668 |
| Average total loans | $131,243,000 | 2,916 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 5,096 |
| Cost of funding earning assets | 0.2623% | 4,461 |
| Net interest margin | 3.0232% | 4,833 |
| Noninterest income to average assets | 0.6458% | 2,223 |
| Noninterest expense to average assets | 2.0687% | 4,841 |
| Loan and lease loss provision to assets | 0.0266% | 3,762 |
| Net operating income to assets | 0.9289% | 2,553 |
| Return on assets (ROA) | 0.9294% | 2,581 |
| Pretax return on assets | 1.3351% | 2,230 |
| Return on Equity (ROE) | 5.6533% | 3,891 |
| Retained earnings to average equity (ytd only) | 1.2743% | 4,513 |
| Net charge-offs to loans | 0.0634% | 2,571 |
| Credit loss provision to net charge-offs | 97.3684% | 2,652 |
| Earnings coverage of net charge-offs (x) | 49.7500% | 1,089 |
| Efficiency ratio | 60.3170% | 4,213 |
| Assets per employee ($millions) | 5.7147% | 1,743 |
| Cash dividends to net income (ytd only)* | 77.4593% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2331% | 350 |
| Loan loss allowance to noncurrent loans | 835.7349% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 4,522 |
| Noncurrent loans to loans | 0.2672% | 3,829 |
| Net loans and leases to total assets | 44.4348% | 4,956 |
| Net loans and leases to deposits | 52.7967% | 4,946 |
| Net loans and leases to core deposits | 54.0806% | 4,999 |
| Total domestic deposits to total assets | 84.1621% | 3,141 |
| Equity capital to assets | 15.7665% | 543 |
| Core capital (leverage) ratio | 15.6810% | 518 |
| Tier 1 risk-based capital ratio | 33.3296% | 360 |
| Total risk-based capital ratio | 34.5908% | 353 |
| Memoranda: | ||
| Average total assets | $277,807,400 | 2,301 |
| Average earning assets | $255,818,000 | 2,314 |
| Average equity | $45,672,200 | 1,643 |
| Average total loans | $119,853,600 | 3,064 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2465% | 5,174 |
| Cost of funding earning assets | 0.2558% | 4,514 |
| Net interest margin | 2.9908% | 4,937 |
| Noninterest income to average assets | 0.6444% | 2,238 |
| Noninterest expense to average assets | 1.9664% | 5,023 |
| Loan and lease loss provision to assets | 0.0285% | 3,558 |
| Net operating income to assets | 1.0738% | 2,209 |
| Return on assets (ROA) | 1.0746% | 2,256 |
| Pretax return on assets | 1.4033% | 2,108 |
| Return on Equity (ROE) | 6.4675% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.4675% | 1,976 |
| Net charge-offs to loans | 0.0716% | 2,104 |
| Credit loss provision to net charge-offs | 93.6508% | 2,410 |
| Earnings coverage of net charge-offs (x) | 46.9830% | 1,161 |
| Efficiency ratio | 57.8828% | 4,520 |
| Assets per employee ($millions) | 5.8271% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2735% | 359 |
| Loan loss allowance to noncurrent loans | 891.6923% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 4,674 |
| Noncurrent loans to loans | 0.2550% | 4,050 |
| Net loans and leases to total assets | 43.6286% | 5,048 |
| Net loans and leases to deposits | 52.3236% | 5,042 |
| Net loans and leases to core deposits | 53.5377% | 5,083 |
| Total domestic deposits to total assets | 83.3824% | 3,334 |
| Equity capital to assets | 16.4726% | 485 |
| Core capital (leverage) ratio | 16.4002% | 443 |
| Tier 1 risk-based capital ratio | 34.7482% | 328 |
| Total risk-based capital ratio | 36.0095% | 324 |
| Memoranda: | ||
| Average total assets | $275,826,000 | 2,325 |
| Average earning assets | $253,884,000 | 2,344 |
| Average equity | $45,827,750 | 1,656 |
| Average total loans | $117,350,750 | 3,118 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2043% | 5,233 |
| Cost of funding earning assets | 0.2415% | 4,625 |
| Net interest margin | 2.9628% | 4,986 |
| Noninterest income to average assets | 0.6501% | 2,203 |
| Noninterest expense to average assets | 2.0023% | 4,973 |
| Loan and lease loss provision to assets | 0.0301% | 3,399 |
| Net operating income to assets | 1.0371% | 2,264 |
| Return on assets (ROA) | 1.0382% | 2,299 |
| Pretax return on assets | 1.3463% | 2,224 |
| Return on Equity (ROE) | 6.2300% | 3,944 |
| Retained earnings to average equity (ytd only) | 6.2300% | 2,001 |
| Net charge-offs to loans | 0.1053% | 1,578 |
| Credit loss provision to net charge-offs | 68.3333% | 2,398 |
| Earnings coverage of net charge-offs (x) | 31.2333% | 1,434 |
| Efficiency ratio | 59.2874% | 4,425 |
| Assets per employee ($millions) | 5.9024% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3911% | 325 |
| Loan loss allowance to noncurrent loans | 737.3402% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 4,634 |
| Noncurrent loans to loans | 0.3243% | 3,868 |
| Net loans and leases to total assets | 41.5408% | 5,166 |
| Net loans and leases to deposits | 49.7277% | 5,151 |
| Net loans and leases to core deposits | 50.8211% | 5,192 |
| Total domestic deposits to total assets | 83.5366% | 3,389 |
| Equity capital to assets | 16.3292% | 495 |
| Core capital (leverage) ratio | 16.6554% | 403 |
| Tier 1 risk-based capital ratio | 35.8760% | 287 |
| Total risk-based capital ratio | 37.1379% | 281 |
| Memoranda: | ||
| Average total assets | $272,592,000 | 2,355 |
| Average earning assets | $250,914,670 | 2,372 |
| Average equity | $45,425,670 | 1,669 |
| Average total loans | $113,977,670 | 3,167 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1960% | 5,252 |
| Cost of funding earning assets | 0.2311% | 4,706 |
| Net interest margin | 2.9649% | 4,969 |
| Noninterest income to average assets | 0.6691% | 2,094 |
| Noninterest expense to average assets | 2.0162% | 5,015 |
| Loan and lease loss provision to assets | 0.0329% | 3,128 |
| Net operating income to assets | 1.0433% | 2,103 |
| Return on assets (ROA) | 1.0433% | 2,154 |
| Pretax return on assets | 1.3471% | 2,070 |
| Return on Equity (ROE) | 6.1946% | 3,815 |
| Retained earnings to average equity (ytd only) | 6.1946% | 2,238 |
| Net charge-offs to loans | 0.0289% | 2,177 |
| Credit loss provision to net charge-offs | 275.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 115.2500% | 476 |
| Efficiency ratio | 59.3654% | 4,549 |
| Assets per employee ($millions) | 5.6213% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5821% | 286 |
| Loan loss allowance to noncurrent loans | 755.4404% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 4,691 |
| Noncurrent loans to loans | 0.3418% | 3,879 |
| Net loans and leases to total assets | 40.7733% | 5,216 |
| Net loans and leases to deposits | 49.1430% | 5,173 |
| Net loans and leases to core deposits | 50.1930% | 5,215 |
| Total domestic deposits to total assets | 82.9687% | 3,854 |
| Equity capital to assets | 16.8371% | 396 |
| Core capital (leverage) ratio | 16.8815% | 369 |
| Tier 1 risk-based capital ratio | 37.0988% | 273 |
| Total risk-based capital ratio | 38.3629% | 269 |
| Memoranda: | ||
| Average total assets | $267,231,000 | 2,416 |
| Average earning assets | $245,807,000 | 2,432 |
| Average equity | $45,007,000 | 1,685 |
| Average total loans | $110,679,500 | 3,239 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0664% | 5,442 |
| Cost of funding earning assets | 0.2437% | 4,621 |
| Net interest margin | 2.8227% | 5,260 |
| Noninterest income to average assets | 0.6505% | 2,416 |
| Noninterest expense to average assets | 2.0455% | 5,102 |
| Loan and lease loss provision to assets | 0.0245% | 3,868 |
| Net operating income to assets | 0.9243% | 2,703 |
| Return on assets (ROA) | 0.9243% | 2,823 |
| Pretax return on assets | 1.1754% | 2,776 |
| Return on Equity (ROE) | 5.4648% | 4,214 |
| Retained earnings to average equity (ytd only) | 1.0741% | 4,881 |
| Net charge-offs to loans | 0.0954% | 2,339 |
| Credit loss provision to net charge-offs | 68.0412% | 3,156 |
| Earnings coverage of net charge-offs (x) | 33.2990% | 1,343 |
| Efficiency ratio | 63.0266% | 4,102 |
| Assets per employee ($millions) | 5.5134% | 1,858 |
| Cash dividends to net income (ytd only)* | 80.3457% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6764% | 260 |
| Loan loss allowance to noncurrent loans | 573.5178% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 4,530 |
| Noncurrent loans to loans | 0.4667% | 3,484 |
| Net loans and leases to total assets | 39.8752% | 5,320 |
| Net loans and leases to deposits | 48.0461% | 5,298 |
| Net loans and leases to core deposits | 49.0917% | 5,330 |
| Total domestic deposits to total assets | 82.9936% | 3,769 |
| Equity capital to assets | 16.8470% | 405 |
| Core capital (leverage) ratio | 16.1562% | 441 |
| Tier 1 risk-based capital ratio | 37.3961% | 267 |
| Total risk-based capital ratio | 38.6610% | 260 |
| Memoranda: | ||
| Average total assets | $269,175,200 | 2,370 |
| Average earning assets | $247,457,400 | 2,381 |
| Average equity | $45,528,000 | 1,653 |
| Average total loans | $101,637,000 | 3,356 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0244% | 5,546 |
| Cost of funding earning assets | 0.2451% | 4,648 |
| Net interest margin | 2.7792% | 5,388 |
| Noninterest income to average assets | 0.6388% | 2,484 |
| Noninterest expense to average assets | 1.9548% | 5,290 |
| Loan and lease loss provision to assets | 0.0252% | 3,742 |
| Net operating income to assets | 0.9515% | 2,645 |
| Return on assets (ROA) | 0.9515% | 2,788 |
| Pretax return on assets | 1.2144% | 2,782 |
| Return on Equity (ROE) | 5.6200% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.6200% | 2,420 |
| Net charge-offs to loans | 0.0961% | 1,987 |
| Credit loss provision to net charge-offs | 70.8333% | 2,779 |
| Earnings coverage of net charge-offs (x) | 34.9019% | 1,347 |
| Efficiency ratio | 61.1952% | 4,357 |
| Assets per employee ($millions) | 6.0809% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7433% | 250 |
| Loan loss allowance to noncurrent loans | 869.2537% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 4,918 |
| Noncurrent loans to loans | 0.3156% | 4,122 |
| Net loans and leases to total assets | 36.9078% | 5,512 |
| Net loans and leases to deposits | 44.4169% | 5,500 |
| Net loans and leases to core deposits | 45.3320% | 5,539 |
| Total domestic deposits to total assets | 83.0942% | 3,549 |
| Equity capital to assets | 16.7721% | 453 |
| Core capital (leverage) ratio | 16.6845% | 390 |
| Tier 1 risk-based capital ratio | 39.5521% | 232 |
| Total risk-based capital ratio | 40.8176% | 230 |
| Memoranda: | ||
| Average total assets | $270,308,750 | 2,372 |
| Average earning assets | $248,553,250 | 2,385 |
| Average equity | $45,764,000 | 1,657 |
| Average total loans | $99,939,250 | 3,397 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0398% | 5,613 |
| Cost of funding earning assets | 0.2494% | 4,666 |
| Net interest margin | 2.7904% | 5,437 |
| Noninterest income to average assets | 0.6408% | 2,412 |
| Noninterest expense to average assets | 1.9583% | 5,356 |
| Loan and lease loss provision to assets | 0.0247% | 3,639 |
| Net operating income to assets | 0.9567% | 2,596 |
| Return on assets (ROA) | 0.9567% | 2,739 |
| Pretax return on assets | 1.2202% | 2,700 |
| Return on Equity (ROE) | 5.6324% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.6324% | 2,346 |
| Net charge-offs to loans | 0.1185% | 1,649 |
| Credit loss provision to net charge-offs | 56.8966% | 2,610 |
| Earnings coverage of net charge-offs (x) | 28.6724% | 1,425 |
| Efficiency ratio | 61.1358% | 4,489 |
| Assets per employee ($millions) | 5.3310% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8864% | 227 |
| Loan loss allowance to noncurrent loans | 847.8134% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 4,960 |
| Noncurrent loans to loans | 0.3404% | 4,142 |
| Net loans and leases to total assets | 36.7069% | 5,577 |
| Net loans and leases to deposits | 44.5145% | 5,543 |
| Net loans and leases to core deposits | 45.4844% | 5,577 |
| Total domestic deposits to total assets | 82.4606% | 3,856 |
| Equity capital to assets | 17.4051% | 385 |
| Core capital (leverage) ratio | 17.0910% | 359 |
| Tier 1 risk-based capital ratio | 40.8501% | 216 |
| Total risk-based capital ratio | 42.1167% | 217 |
| Memoranda: | ||
| Average total assets | $267,171,330 | 2,410 |
| Average earning assets | $245,344,670 | 2,419 |
| Average equity | $45,380,330 | 1,669 |
| Average total loans | $97,868,670 | 3,445 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0189% | 5,669 |
| Cost of funding earning assets | 0.2521% | 4,681 |
| Net interest margin | 2.7668% | 5,522 |
| Noninterest income to average assets | 0.6565% | 2,230 |
| Noninterest expense to average assets | 1.9336% | 5,473 |
| Loan and lease loss provision to assets | 0.0224% | 3,391 |
| Net operating income to assets | 0.9735% | 2,400 |
| Return on assets (ROA) | 0.9735% | 2,512 |
| Pretax return on assets | 1.2442% | 2,530 |
| Return on Equity (ROE) | 5.8029% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.8029% | 2,468 |
| Net charge-offs to loans | 0.0581% | 1,932 |
| Credit loss provision to net charge-offs | 107.1429% | 1,539 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 777 |
| Efficiency ratio | 60.4206% | 4,692 |
| Assets per employee ($millions) | 5.5703% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0178% | 220 |
| Loan loss allowance to noncurrent loans | 746.5649% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 4,988 |
| Noncurrent loans to loans | 0.4042% | 3,989 |
| Net loans and leases to total assets | 35.2645% | 5,666 |
| Net loans and leases to deposits | 42.5762% | 5,640 |
| Net loans and leases to core deposits | 43.5480% | 5,671 |
| Total domestic deposits to total assets | 82.8267% | 3,959 |
| Equity capital to assets | 16.9781% | 419 |
| Core capital (leverage) ratio | 16.8921% | 380 |
| Tier 1 risk-based capital ratio | 41.9857% | 207 |
| Total risk-based capital ratio | 43.2536% | 206 |
| Memoranda: | ||
| Average total assets | $267,482,500 | 2,410 |
| Average earning assets | $245,920,000 | 2,422 |
| Average equity | $44,874,000 | 1,681 |
| Average total loans | $96,428,000 | 3,483 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0931% | 5,637 |
| Cost of funding earning assets | 0.2135% | 5,158 |
| Net interest margin | 2.8796% | 5,371 |
| Noninterest income to average assets | 0.6658% | 2,374 |
| Noninterest expense to average assets | 2.1303% | 5,193 |
| Loan and lease loss provision to assets | 0.0491% | 3,345 |
| Net operating income to assets | 0.8935% | 2,908 |
| Return on assets (ROA) | 0.8935% | 2,990 |
| Pretax return on assets | 1.1255% | 2,942 |
| Return on Equity (ROE) | 5.1239% | 4,450 |
| Retained earnings to average equity (ytd only) | 0.6918% | 5,238 |
| Net charge-offs to loans | 0.0982% | 2,436 |
| Credit loss provision to net charge-offs | 138.0435% | 1,896 |
| Earnings coverage of net charge-offs (x) | 33.0217% | 1,355 |
| Efficiency ratio | 62.5760% | 4,524 |
| Assets per employee ($millions) | 5.2469% | 2,064 |
| Cash dividends to net income (ytd only)* | 86.4994% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0669% | 209 |
| Loan loss allowance to noncurrent loans | 596.1382% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 4,870 |
| Noncurrent loans to loans | 0.5145% | 3,635 |
| Net loans and leases to total assets | 34.6428% | 5,755 |
| Net loans and leases to deposits | 41.5938% | 5,722 |
| Net loans and leases to core deposits | 42.5359% | 5,754 |
| Total domestic deposits to total assets | 83.2883% | 3,745 |
| Equity capital to assets | 16.5749% | 456 |
| Core capital (leverage) ratio | 16.8169% | 387 |
| Tier 1 risk-based capital ratio | 42.0139% | 204 |
| Total risk-based capital ratio | 43.2828% | 199 |
| Memoranda: | ||
| Average total assets | $258,645,800 | 2,434 |
| Average earning assets | $237,043,600 | 2,448 |
| Average equity | $45,102,600 | 1,636 |
| Average total loans | $93,683,000 | 3,511 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1173% | 5,686 |
| Cost of funding earning assets | 0.2153% | 5,229 |
| Net interest margin | 2.9020% | 5,408 |
| Noninterest income to average assets | 0.6744% | 2,359 |
| Noninterest expense to average assets | 2.0675% | 5,349 |
| Loan and lease loss provision to assets | 0.0504% | 3,198 |
| Net operating income to assets | 0.9500% | 2,711 |
| Return on assets (ROA) | 0.9500% | 2,806 |
| Pretax return on assets | 1.2126% | 2,770 |
| Return on Equity (ROE) | 5.3785% | 4,455 |
| Retained earnings to average equity (ytd only) | 5.3785% | 2,657 |
| Net charge-offs to loans | 0.1202% | 1,919 |
| Credit loss provision to net charge-offs | 115.4762% | 2,049 |
| Earnings coverage of net charge-offs (x) | 28.9160% | 1,536 |
| Efficiency ratio | 60.0156% | 4,884 |
| Assets per employee ($millions) | 5.3447% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1043% | 220 |
| Loan loss allowance to noncurrent loans | 577.5794% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 4,887 |
| Noncurrent loans to loans | 0.5375% | 3,731 |
| Net loans and leases to total assets | 34.6943% | 5,830 |
| Net loans and leases to deposits | 42.2254% | 5,798 |
| Net loans and leases to core deposits | 43.2157% | 5,813 |
| Total domestic deposits to total assets | 82.1646% | 4,114 |
| Equity capital to assets | 17.6799% | 371 |
| Core capital (leverage) ratio | 17.5668% | 328 |
| Tier 1 risk-based capital ratio | 44.2756% | 191 |
| Total risk-based capital ratio | 45.5445% | 189 |
| Memoranda: | ||
| Average total assets | $256,409,500 | 2,470 |
| Average earning assets | $234,686,250 | 2,485 |
| Average equity | $45,290,000 | 1,640 |
| Average total loans | $93,195,250 | 3,553 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1470% | 5,692 |
| Cost of funding earning assets | 0.2153% | 5,302 |
| Net interest margin | 2.9318% | 5,379 |
| Noninterest income to average assets | 0.6615% | 2,407 |
| Noninterest expense to average assets | 2.0795% | 5,381 |
| Loan and lease loss provision to assets | 0.0503% | 3,114 |
| Net operating income to assets | 0.9459% | 2,660 |
| Return on assets (ROA) | 0.9459% | 2,776 |
| Pretax return on assets | 1.2067% | 2,755 |
| Return on Equity (ROE) | 5.3567% | 4,448 |
| Retained earnings to average equity (ytd only) | 5.3567% | 2,634 |
| Net charge-offs to loans | 0.2000% | 1,259 |
| Credit loss provision to net charge-offs | 68.8172% | 2,474 |
| Earnings coverage of net charge-offs (x) | 17.2043% | 1,867 |
| Efficiency ratio | 60.2543% | 4,943 |
| Assets per employee ($millions) | 4.8314% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0579% | 255 |
| Loan loss allowance to noncurrent loans | 558.1712% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.2292% | 4,956 |
| Noncurrent loans to loans | 0.5478% | 3,810 |
| Net loans and leases to total assets | 35.5197% | 5,842 |
| Net loans and leases to deposits | 43.2768% | 5,792 |
| Net loans and leases to core deposits | 44.2616% | 5,827 |
| Total domestic deposits to total assets | 82.0757% | 4,274 |
| Equity capital to assets | 17.7735% | 358 |
| Core capital (leverage) ratio | 17.6668% | 316 |
| Tier 1 risk-based capital ratio | 43.4002% | 213 |
| Total risk-based capital ratio | 44.6682% | 209 |
| Memoranda: | ||
| Average total assets | $254,582,670 | 2,503 |
| Average earning assets | $232,283,330 | 2,524 |
| Average equity | $44,952,670 | 1,659 |
| Average total loans | $93,003,000 | 3,580 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1389% | 5,739 |
| Cost of funding earning assets | 0.2139% | 5,376 |
| Net interest margin | 2.9251% | 5,395 |
| Noninterest income to average assets | 0.6492% | 2,403 |
| Noninterest expense to average assets | 2.0974% | 5,391 |
| Loan and lease loss provision to assets | 0.0473% | 2,986 |
| Net operating income to assets | 0.9250% | 2,631 |
| Return on assets (ROA) | 0.9250% | 2,753 |
| Pretax return on assets | 1.1771% | 2,752 |
| Return on Equity (ROE) | 5.2560% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.2560% | 2,913 |
| Net charge-offs to loans | 0.3845% | 639 |
| Credit loss provision to net charge-offs | 33.7079% | 2,241 |
| Earnings coverage of net charge-offs (x) | 8.7303% | 2,066 |
| Efficiency ratio | 61.0531% | 4,955 |
| Assets per employee ($millions) | 4.9467% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0773% | 277 |
| Loan loss allowance to noncurrent loans | 629.4900% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 5,058 |
| Noncurrent loans to loans | 0.4889% | 4,112 |
| Net loans and leases to total assets | 34.7615% | 5,892 |
| Net loans and leases to deposits | 42.2407% | 5,822 |
| Net loans and leases to core deposits | 43.1006% | 5,863 |
| Total domestic deposits to total assets | 82.2938% | 4,416 |
| Equity capital to assets | 17.5304% | 372 |
| Core capital (leverage) ratio | 17.4334% | 327 |
| Tier 1 risk-based capital ratio | 43.4419% | 213 |
| Total risk-based capital ratio | 44.7098% | 213 |
| Memoranda: | ||
| Average total assets | $253,841,000 | 2,529 |
| Average earning assets | $231,927,000 | 2,535 |
| Average equity | $44,673,000 | 1,676 |
| Average total loans | $92,593,000 | 3,599 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2557% | 5,767 |
| Cost of funding earning assets | 0.2270% | 5,547 |
| Net interest margin | 3.0287% | 5,380 |
| Noninterest income to average assets | 0.6984% | 2,311 |
| Noninterest expense to average assets | 2.1685% | 5,413 |
| Loan and lease loss provision to assets | 0.0476% | 3,620 |
| Net operating income to assets | 0.9757% | 2,500 |
| Return on assets (ROA) | 0.9757% | 2,577 |
| Pretax return on assets | 1.2464% | 2,460 |
| Return on Equity (ROE) | 5.4928% | 4,410 |
| Retained earnings to average equity (ytd only) | 1.0253% | 5,306 |
| Net charge-offs to loans | 0.0703% | 3,472 |
| Credit loss provision to net charge-offs | 187.5000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 50.9531% | 916 |
| Efficiency ratio | 60.6120% | 5,129 |
| Assets per employee ($millions) | 4.8164% | 2,572 |
| Cash dividends to net income (ytd only)* | 81.3339% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1184% | 261 |
| Loan loss allowance to noncurrent loans | 495.3846% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 5,021 |
| Noncurrent loans to loans | 0.6295% | 3,804 |
| Net loans and leases to total assets | 35.9478% | 5,958 |
| Net loans and leases to deposits | 43.7308% | 5,888 |
| Net loans and leases to core deposits | 44.5465% | 5,943 |
| Total domestic deposits to total assets | 82.2024% | 4,349 |
| Equity capital to assets | 17.6690% | 343 |
| Core capital (leverage) ratio | 17.3056% | 339 |
| Tier 1 risk-based capital ratio | 35.9189% | 313 |
| Total risk-based capital ratio | 37.1824% | 309 |
| Memoranda: | ||
| Average total assets | $252,011,800 | 2,505 |
| Average earning assets | $229,998,600 | 2,520 |
| Average equity | $44,767,600 | 1,614 |
| Average total loans | $90,983,200 | 3,610 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2626% | 5,821 |
| Cost of funding earning assets | 0.2298% | 5,590 |
| Net interest margin | 3.0328% | 5,430 |
| Noninterest income to average assets | 0.7026% | 2,319 |
| Noninterest expense to average assets | 2.0665% | 5,648 |
| Loan and lease loss provision to assets | 0.0475% | 3,427 |
| Net operating income to assets | 1.0433% | 2,266 |
| Return on assets (ROA) | 1.0433% | 2,326 |
| Pretax return on assets | 1.3565% | 2,165 |
| Return on Equity (ROE) | 5.8652% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.8652% | 2,494 |
| Net charge-offs to loans | 0.1576% | 2,234 |
| Credit loss provision to net charge-offs | 84.1121% | 2,523 |
| Earnings coverage of net charge-offs (x) | 24.8417% | 1,525 |
| Efficiency ratio | 57.5342% | 5,503 |
| Assets per employee ($millions) | 4.8375% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0583% | 338 |
| Loan loss allowance to noncurrent loans | 500.0000% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 5,323 |
| Noncurrent loans to loans | 0.6117% | 4,091 |
| Net loans and leases to total assets | 35.5976% | 6,045 |
| Net loans and leases to deposits | 43.6053% | 5,993 |
| Net loans and leases to core deposits | 44.3648% | 6,026 |
| Total domestic deposits to total assets | 81.6359% | 4,615 |
| Equity capital to assets | 18.2070% | 322 |
| Core capital (leverage) ratio | 17.8203% | 309 |
| Tier 1 risk-based capital ratio | 37.2759% | 292 |
| Total risk-based capital ratio | 38.5389% | 288 |
| Memoranda: | ||
| Average total assets | $252,401,000 | 2,517 |
| Average earning assets | $230,361,000 | 2,535 |
| Average equity | $44,896,250 | 1,611 |
| Average total loans | $90,496,250 | 3,651 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2576% | 5,862 |
| Cost of funding earning assets | 0.2331% | 5,642 |
| Net interest margin | 3.0245% | 5,455 |
| Noninterest income to average assets | 0.6981% | 2,288 |
| Noninterest expense to average assets | 2.0832% | 5,658 |
| Loan and lease loss provision to assets | 0.0475% | 3,359 |
| Net operating income to assets | 1.0242% | 2,226 |
| Return on assets (ROA) | 1.0242% | 2,292 |
| Pretax return on assets | 1.3297% | 2,148 |
| Return on Equity (ROE) | 5.8033% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.8033% | 2,444 |
| Net charge-offs to loans | 0.1758% | 1,981 |
| Credit loss provision to net charge-offs | 75.9494% | 2,376 |
| Earnings coverage of net charge-offs (x) | 22.0253% | 1,520 |
| Efficiency ratio | 58.1885% | 5,533 |
| Assets per employee ($millions) | 4.6841% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1045% | 337 |
| Loan loss allowance to noncurrent loans | 634.3820% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 5,451 |
| Noncurrent loans to loans | 0.4894% | 4,529 |
| Net loans and leases to total assets | 34.8343% | 6,115 |
| Net loans and leases to deposits | 42.5077% | 6,049 |
| Net loans and leases to core deposits | 43.2408% | 6,105 |
| Total domestic deposits to total assets | 81.9483% | 4,665 |
| Equity capital to assets | 17.9007% | 331 |
| Core capital (leverage) ratio | 17.3542% | 340 |
| Tier 1 risk-based capital ratio | 36.8486% | 304 |
| Total risk-based capital ratio | 38.1116% | 298 |
| Memoranda: | ||
| Average total assets | $252,684,330 | 2,520 |
| Average earning assets | $230,785,330 | 2,539 |
| Average equity | $44,595,000 | 1,607 |
| Average total loans | $89,871,330 | 3,678 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2518% | 5,931 |
| Cost of funding earning assets | 0.2393% | 5,679 |
| Net interest margin | 3.0124% | 5,492 |
| Noninterest income to average assets | 0.6858% | 2,248 |
| Noninterest expense to average assets | 2.0906% | 5,700 |
| Loan and lease loss provision to assets | 0.0475% | 3,142 |
| Net operating income to assets | 0.9978% | 2,221 |
| Return on assets (ROA) | 0.9978% | 2,276 |
| Pretax return on assets | 1.2987% | 2,098 |
| Return on Equity (ROE) | 5.6945% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.6945% | 2,693 |
| Net charge-offs to loans | 0.2104% | 1,491 |
| Credit loss provision to net charge-offs | 63.8298% | 2,072 |
| Earnings coverage of net charge-offs (x) | 18.0851% | 1,431 |
| Efficiency ratio | 58.8018% | 5,567 |
| Assets per employee ($millions) | 4.9783% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1311% | 380 |
| Loan loss allowance to noncurrent loans | 352.2444% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 5,121 |
| Noncurrent loans to loans | 0.8889% | 3,657 |
| Net loans and leases to total assets | 33.7611% | 6,192 |
| Net loans and leases to deposits | 40.8841% | 6,141 |
| Net loans and leases to core deposits | 41.6723% | 6,169 |
| Total domestic deposits to total assets | 82.5775% | 4,761 |
| Equity capital to assets | 17.2112% | 375 |
| Core capital (leverage) ratio | 17.3271% | 338 |
| Tier 1 risk-based capital ratio | 36.5317% | 300 |
| Total risk-based capital ratio | 37.7948% | 296 |
| Memoranda: | ||
| Average total assets | $252,556,500 | 2,533 |
| Average earning assets | $230,645,000 | 2,546 |
| Average equity | $44,253,500 | 1,607 |
| Average total loans | $89,340,500 | 3,708 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3178% | 5,977 |
| Cost of funding earning assets | 0.2838% | 5,729 |
| Net interest margin | 3.0341% | 5,497 |
| Noninterest income to average assets | 0.7021% | 2,531 |
| Noninterest expense to average assets | 2.1288% | 5,773 |
| Loan and lease loss provision to assets | 0.0742% | 3,631 |
| Net operating income to assets | 0.9753% | 2,440 |
| Return on assets (ROA) | 0.9753% | 2,508 |
| Pretax return on assets | 1.2728% | 2,258 |
| Return on Equity (ROE) | 5.4891% | 4,399 |
| Retained earnings to average equity (ytd only) | 1.0246% | 5,378 |
| Net charge-offs to loans | 0.2669% | 2,363 |
| Credit loss provision to net charge-offs | 82.7434% | 2,965 |
| Earnings coverage of net charge-offs (x) | 15.0265% | 1,904 |
| Efficiency ratio | 59.2377% | 5,569 |
| Assets per employee ($millions) | 4.9248% | 2,278 |
| Cash dividends to net income (ytd only)* | 81.3339% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2128% | 365 |
| Loan loss allowance to noncurrent loans | 686.4734% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 5,699 |
| Noncurrent loans to loans | 0.4680% | 4,826 |
| Net loans and leases to total assets | 34.7692% | 6,257 |
| Net loans and leases to deposits | 42.4014% | 6,206 |
| Net loans and leases to core deposits | 43.2892% | 6,259 |
| Total domestic deposits to total assets | 82.0002% | 4,875 |
| Equity capital to assets | 17.8492% | 330 |
| Core capital (leverage) ratio | 17.0191% | 370 |
| Tier 1 risk-based capital ratio | 36.4717% | 287 |
| Total risk-based capital ratio | 37.7356% | 284 |
| Memoranda: | ||
| Average total assets | $252,115,200 | 2,508 |
| Average earning assets | $230,481,400 | 2,509 |
| Average equity | $44,797,800 | 1,559 |
| Average total loans | $84,663,600 | 3,805 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3103% | 6,048 |
| Cost of funding earning assets | 0.2927% | 5,789 |
| Net interest margin | 3.0176% | 5,551 |
| Noninterest income to average assets | 0.6972% | 2,626 |
| Noninterest expense to average assets | 2.0311% | 5,958 |
| Loan and lease loss provision to assets | 0.0825% | 3,415 |
| Net operating income to assets | 1.0190% | 2,298 |
| Return on assets (ROA) | 1.0190% | 2,387 |
| Pretax return on assets | 1.3423% | 2,159 |
| Return on Equity (ROE) | 5.7409% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.7409% | 2,571 |
| Net charge-offs to loans | 0.1672% | 2,886 |
| Credit loss provision to net charge-offs | 149.5238% | 1,579 |
| Earnings coverage of net charge-offs (x) | 25.8089% | 1,370 |
| Efficiency ratio | 56.7625% | 5,828 |
| Assets per employee ($millions) | 4.9058% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3939% | 373 |
| Loan loss allowance to noncurrent loans | 516.3732% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 5,777 |
| Noncurrent loans to loans | 0.6573% | 4,557 |
| Net loans and leases to total assets | 32.7266% | 6,418 |
| Net loans and leases to deposits | 39.9369% | 6,384 |
| Net loans and leases to core deposits | 40.6933% | 6,428 |
| Total domestic deposits to total assets | 81.9460% | 4,949 |
| Equity capital to assets | 17.8843% | 331 |
| Core capital (leverage) ratio | 17.6401% | 329 |
| Tier 1 risk-based capital ratio | 38.5474% | 261 |
| Total risk-based capital ratio | 39.8128% | 257 |
| Memoranda: | ||
| Average total assets | $253,583,750 | 2,514 |
| Average earning assets | $231,837,000 | 2,518 |
| Average equity | $45,009,250 | 1,570 |
| Average total loans | $83,715,000 | 3,866 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3259% | 6,046 |
| Cost of funding earning assets | 0.3054% | 5,790 |
| Net interest margin | 3.0205% | 5,519 |
| Noninterest income to average assets | 0.6836% | 2,724 |
| Noninterest expense to average assets | 2.0594% | 5,943 |
| Loan and lease loss provision to assets | 0.1004% | 3,116 |
| Net operating income to assets | 0.9791% | 2,415 |
| Return on assets (ROA) | 0.9791% | 2,567 |
| Pretax return on assets | 1.2905% | 2,335 |
| Return on Equity (ROE) | 5.5307% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.5307% | 2,721 |
| Net charge-offs to loans | 0.2222% | 2,405 |
| Credit loss provision to net charge-offs | 138.0435% | 1,647 |
| Earnings coverage of net charge-offs (x) | 19.1304% | 1,519 |
| Efficiency ratio | 57.6729% | 5,783 |
| Assets per employee ($millions) | 4.8731% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4624% | 382 |
| Loan loss allowance to noncurrent loans | 611.3208% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 5,890 |
| Noncurrent loans to loans | 0.5664% | 4,844 |
| Net loans and leases to total assets | 32.0849% | 6,503 |
| Net loans and leases to deposits | 39.0605% | 6,448 |
| Net loans and leases to core deposits | 39.8030% | 6,484 |
| Total domestic deposits to total assets | 82.1415% | 5,009 |
| Equity capital to assets | 17.6928% | 347 |
| Core capital (leverage) ratio | 17.2498% | 348 |
| Tier 1 risk-based capital ratio | 38.3493% | 262 |
| Total risk-based capital ratio | 39.6156% | 255 |
| Memoranda: | ||
| Average total assets | $253,078,000 | 2,529 |
| Average earning assets | $231,814,670 | 2,521 |
| Average equity | $44,804,670 | 1,587 |
| Average total loans | $82,813,670 | 3,906 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3337% | 6,085 |
| Cost of funding earning assets | 0.3248% | 5,762 |
| Net interest margin | 3.0089% | 5,542 |
| Noninterest income to average assets | 0.6880% | 2,662 |
| Noninterest expense to average assets | 2.0877% | 5,936 |
| Loan and lease loss provision to assets | 0.1012% | 2,988 |
| Net operating income to assets | 0.9632% | 2,387 |
| Return on assets (ROA) | 0.9632% | 2,516 |
| Pretax return on assets | 1.2684% | 2,344 |
| Return on Equity (ROE) | 5.4387% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.4387% | 2,986 |
| Net charge-offs to loans | 0.4530% | 1,318 |
| Credit loss provision to net charge-offs | 68.8172% | 2,315 |
| Earnings coverage of net charge-offs (x) | 9.3118% | 1,851 |
| Efficiency ratio | 58.3715% | 5,802 |
| Assets per employee ($millions) | 4.8238% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4622% | 431 |
| Loan loss allowance to noncurrent loans | 872.1713% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 6,145 |
| Noncurrent loans to loans | 0.3970% | 5,422 |
| Net loans and leases to total assets | 31.1055% | 6,560 |
| Net loans and leases to deposits | 37.8570% | 6,510 |
| Net loans and leases to core deposits | 38.6163% | 6,542 |
| Total domestic deposits to total assets | 82.1657% | 5,138 |
| Equity capital to assets | 17.6168% | 358 |
| Core capital (leverage) ratio | 17.1050% | 344 |
| Tier 1 risk-based capital ratio | 39.4471% | 243 |
| Total risk-based capital ratio | 40.7134% | 238 |
| Memoranda: | ||
| Average total assets | $252,915,500 | 2,553 |
| Average earning assets | $232,772,500 | 2,547 |
| Average equity | $44,790,000 | 1,594 |
| Average total loans | $82,110,500 | 3,958 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7803% | 5,878 |
| Cost of funding earning assets | 0.4207% | 5,782 |
| Net interest margin | 3.3596% | 5,038 |
| Noninterest income to average assets | 0.6984% | 2,733 |
| Noninterest expense to average assets | 2.2542% | 5,804 |
| Loan and lease loss provision to assets | 0.1055% | 4,318 |
| Net operating income to assets | 1.1228% | 1,865 |
| Return on assets (ROA) | 1.1228% | 2,029 |
| Pretax return on assets | 1.4143% | 1,995 |
| Return on Equity (ROE) | 6.1060% | 4,112 |
| Retained earnings to average equity (ytd only) | 1.6588% | 5,029 |
| Net charge-offs to loans | 0.7769% | 1,508 |
| Credit loss provision to net charge-offs | 40.6299% | 4,926 |
| Earnings coverage of net charge-offs (x) | 5.8535% | 2,932 |
| Efficiency ratio | 57.8223% | 5,858 |
| Assets per employee ($millions) | 4.9053% | 2,351 |
| Cash dividends to net income (ytd only)* | 72.8332% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5201% | 419 |
| Loan loss allowance to noncurrent loans | 500.1736% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 5,926 |
| Noncurrent loans to loans | 0.7038% | 4,783 |
| Net loans and leases to total assets | 31.5639% | 6,646 |
| Net loans and leases to deposits | 38.4820% | 6,620 |
| Net loans and leases to core deposits | 39.3896% | 6,633 |
| Total domestic deposits to total assets | 82.0224% | 5,083 |
| Equity capital to assets | 17.8042% | 341 |
| Core capital (leverage) ratio | 16.9879% | 355 |
| Tier 1 risk-based capital ratio | 39.3260% | 247 |
| Total risk-based capital ratio | 40.5930% | 243 |
| Memoranda: | ||
| Average total assets | $244,568,000 | 2,578 |
| Average earning assets | $223,897,800 | 2,577 |
| Average equity | $44,971,800 | 1,546 |
| Average total loans | $81,733,800 | 3,981 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8595% | 5,889 |
| Cost of funding earning assets | 0.4402% | 5,867 |
| Net interest margin | 3.4193% | 4,966 |
| Noninterest income to average assets | 0.7133% | 2,643 |
| Noninterest expense to average assets | 2.1949% | 5,965 |
| Loan and lease loss provision to assets | 0.1086% | 4,214 |
| Net operating income to assets | 1.1503% | 1,904 |
| Return on assets (ROA) | 1.1503% | 2,100 |
| Pretax return on assets | 1.5358% | 1,766 |
| Return on Equity (ROE) | 6.2052% | 4,225 |
| Retained earnings to average equity (ytd only) | 6.2052% | 2,560 |
| Net charge-offs to loans | 0.9644% | 1,108 |
| Credit loss provision to net charge-offs | 33.5025% | 4,734 |
| Earnings coverage of net charge-offs (x) | 5.0745% | 3,123 |
| Efficiency ratio | 55.2842% | 6,128 |
| Assets per employee ($millions) | 4.8265% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5645% | 439 |
| Loan loss allowance to noncurrent loans | 392.4658% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 5,868 |
| Noncurrent loans to loans | 0.9082% | 4,614 |
| Net loans and leases to total assets | 31.4887% | 6,763 |
| Net loans and leases to deposits | 38.8753% | 6,720 |
| Net loans and leases to core deposits | 39.6931% | 6,751 |
| Total domestic deposits to total assets | 80.9991% | 5,358 |
| Equity capital to assets | 18.7197% | 315 |
| Core capital (leverage) ratio | 18.0834% | 296 |
| Tier 1 risk-based capital ratio | 40.6746% | 224 |
| Total risk-based capital ratio | 41.9415% | 222 |
| Memoranda: | ||
| Average total assets | $243,167,000 | 2,619 |
| Average earning assets | $222,301,250 | 2,616 |
| Average equity | $45,079,500 | 1,562 |
| Average total loans | $81,706,000 | 4,031 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 5,816 |
| Cost of funding earning assets | 0.4603% | 5,901 |
| Net interest margin | 3.4787% | 4,768 |
| Noninterest income to average assets | 0.7185% | 2,561 |
| Noninterest expense to average assets | 2.2240% | 5,943 |
| Loan and lease loss provision to assets | 0.1140% | 4,107 |
| Net operating income to assets | 1.2801% | 1,492 |
| Return on assets (ROA) | 1.2801% | 1,654 |
| Pretax return on assets | 1.5576% | 1,683 |
| Return on Equity (ROE) | 6.9279% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.9279% | 2,145 |
| Net charge-offs to loans | 1.4218% | 714 |
| Credit loss provision to net charge-offs | 23.6301% | 4,551 |
| Earnings coverage of net charge-offs (x) | 3.4658% | 3,361 |
| Efficiency ratio | 55.2258% | 6,203 |
| Assets per employee ($millions) | 4.4348% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5208% | 491 |
| Loan loss allowance to noncurrent loans | 1,069.2015% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 6,403 |
| Noncurrent loans to loans | 0.3293% | 5,892 |
| Net loans and leases to total assets | 32.1772% | 6,796 |
| Net loans and leases to deposits | 39.8166% | 6,735 |
| Net loans and leases to core deposits | 40.4881% | 6,790 |
| Total domestic deposits to total assets | 80.8136% | 5,527 |
| Equity capital to assets | 18.9947% | 278 |
| Core capital (leverage) ratio | 17.8655% | 295 |
| Tier 1 risk-based capital ratio | 39.9059% | 229 |
| Total risk-based capital ratio | 41.1723% | 226 |
| Memoranda: | ||
| Average total assets | $242,172,000 | 2,634 |
| Average earning assets | $221,173,670 | 2,633 |
| Average equity | $44,746,330 | 1,559 |
| Average total loans | $82,149,670 | 4,034 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 5,796 |
| Cost of funding earning assets | 0.4780% | 5,960 |
| Net interest margin | 3.5111% | 4,636 |
| Noninterest income to average assets | 0.7359% | 2,466 |
| Noninterest expense to average assets | 2.2273% | 5,971 |
| Loan and lease loss provision to assets | 0.1166% | 3,892 |
| Net operating income to assets | 1.1892% | 1,768 |
| Return on assets (ROA) | 1.1892% | 1,953 |
| Pretax return on assets | 1.6015% | 1,571 |
| Return on Equity (ROE) | 6.5261% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.5261% | 2,667 |
| Net charge-offs to loans | 0.3890% | 2,136 |
| Credit loss provision to net charge-offs | 87.6543% | 2,589 |
| Earnings coverage of net charge-offs (x) | 12.9136% | 1,567 |
| Efficiency ratio | 54.6211% | 6,280 |
| Assets per employee ($millions) | 4.7623% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9019% | 401 |
| Loan loss allowance to noncurrent loans | 144.2914% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.9364% | 4,637 |
| Noncurrent loans to loans | 2.7042% | 2,413 |
| Net loans and leases to total assets | 32.3020% | 6,813 |
| Net loans and leases to deposits | 39.5488% | 6,756 |
| Net loans and leases to core deposits | 40.1259% | 6,812 |
| Total domestic deposits to total assets | 81.6763% | 5,401 |
| Equity capital to assets | 18.0422% | 335 |
| Core capital (leverage) ratio | 17.3886% | 331 |
| Tier 1 risk-based capital ratio | 38.0174% | 268 |
| Total risk-based capital ratio | 39.2878% | 260 |
| Memoranda: | ||
| Average total assets | $243,519,500 | 2,625 |
| Average earning assets | $222,606,000 | 2,631 |
| Average equity | $44,375,500 | 1,563 |
| Average total loans | $83,290,000 | 4,033 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 6,026 |
| Cost of funding earning assets | 0.6108% | 6,045 |
| Net interest margin | 3.5992% | 4,735 |
| Noninterest income to average assets | 0.6996% | 2,607 |
| Noninterest expense to average assets | 2.1818% | 6,309 |
| Loan and lease loss provision to assets | 0.3658% | 2,801 |
| Net operating income to assets | 1.0380% | 2,053 |
| Return on assets (ROA) | 1.0380% | 2,205 |
| Pretax return on assets | 1.4460% | 1,635 |
| Return on Equity (ROE) | 5.7625% | 3,994 |
| Retained earnings to average equity (ytd only) | 1.6643% | 5,021 |
| Net charge-offs to loans | 0.2281% | 4,361 |
| Credit loss provision to net charge-offs | 471.9577% | 477 |
| Earnings coverage of net charge-offs (x) | 23.3757% | 1,028 |
| Efficiency ratio | 52.8240% | 6,629 |
| Assets per employee ($millions) | 4.6038% | 2,749 |
| Cash dividends to net income (ytd only)* | 71.1181% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9093% | 404 |
| Loan loss allowance to noncurrent loans | 121.7944% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 1.1541% | 4,307 |
| Noncurrent loans to loans | 3.2098% | 2,015 |
| Net loans and leases to total assets | 33.4510% | 6,890 |
| Net loans and leases to deposits | 41.2853% | 6,818 |
| Net loans and leases to core deposits | 41.9343% | 6,886 |
| Total domestic deposits to total assets | 81.0241% | 5,436 |
| Equity capital to assets | 18.4091% | 323 |
| Core capital (leverage) ratio | 17.0872% | 357 |
| Tier 1 risk-based capital ratio | 36.9641% | 290 |
| Total risk-based capital ratio | 38.2345% | 284 |
| Memoranda: | ||
| Average total assets | $243,839,200 | 2,592 |
| Average earning assets | $223,163,200 | 2,578 |
| Average equity | $43,921,600 | 1,540 |
| Average total loans | $82,861,800 | 4,056 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2260% | 6,148 |
| Cost of funding earning assets | 0.6407% | 6,087 |
| Net interest margin | 3.5852% | 4,831 |
| Noninterest income to average assets | 0.6967% | 2,631 |
| Noninterest expense to average assets | 2.0902% | 6,514 |
| Loan and lease loss provision to assets | 0.4491% | 2,222 |
| Net operating income to assets | 1.0854% | 2,025 |
| Return on assets (ROA) | 1.0854% | 2,169 |
| Pretax return on assets | 1.4408% | 1,816 |
| Return on Equity (ROE) | 6.0582% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.0582% | 2,527 |
| Net charge-offs to loans | 0.3964% | 3,128 |
| Credit loss provision to net charge-offs | 335.3659% | 842 |
| Earnings coverage of net charge-offs (x) | 14.1139% | 1,555 |
| Efficiency ratio | 50.7112% | 6,788 |
| Assets per employee ($millions) | 4.8156% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7482% | 478 |
| Loan loss allowance to noncurrent loans | 106.7075% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 1.2691% | 4,266 |
| Noncurrent loans to loans | 3.5126% | 1,959 |
| Net loans and leases to total assets | 32.7686% | 7,004 |
| Net loans and leases to deposits | 40.4117% | 6,964 |
| Net loans and leases to core deposits | 40.9464% | 7,009 |
| Total domestic deposits to total assets | 81.0870% | 5,402 |
| Equity capital to assets | 18.5262% | 345 |
| Core capital (leverage) ratio | 17.6510% | 354 |
| Tier 1 risk-based capital ratio | 38.3265% | 280 |
| Total risk-based capital ratio | 39.5956% | 274 |
| Memoranda: | ||
| Average total assets | $244,949,500 | 2,589 |
| Average earning assets | $224,321,750 | 2,573 |
| Average equity | $43,884,250 | 1,545 |
| Average total loans | $82,742,500 | 4,095 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2421% | 6,184 |
| Cost of funding earning assets | 0.6761% | 6,096 |
| Net interest margin | 3.5660% | 4,854 |
| Noninterest income to average assets | 0.6914% | 2,602 |
| Noninterest expense to average assets | 2.0864% | 6,625 |
| Loan and lease loss provision to assets | 0.6219% | 1,540 |
| Net operating income to assets | 0.9586% | 2,401 |
| Return on assets (ROA) | 0.9586% | 2,503 |
| Pretax return on assets | 1.2503% | 2,308 |
| Return on Equity (ROE) | 5.4123% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.4123% | 2,733 |
| Net charge-offs to loans | 0.8053% | 1,895 |
| Credit loss provision to net charge-offs | 229.2169% | 1,315 |
| Earnings coverage of net charge-offs (x) | 6.9006% | 2,316 |
| Efficiency ratio | 50.8877% | 6,879 |
| Assets per employee ($millions) | 4.2650% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6475% | 539 |
| Loan loss allowance to noncurrent loans | 102.9320% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.2797% | 4,339 |
| Noncurrent loans to loans | 3.5436% | 1,997 |
| Net loans and leases to total assets | 32.4249% | 7,100 |
| Net loans and leases to deposits | 39.7984% | 7,071 |
| Net loans and leases to core deposits | 41.3893% | 7,087 |
| Total domestic deposits to total assets | 81.4729% | 5,360 |
| Equity capital to assets | 18.2367% | 367 |
| Core capital (leverage) ratio | 17.1690% | 393 |
| Tier 1 risk-based capital ratio | 38.4979% | 267 |
| Total risk-based capital ratio | 39.7659% | 259 |
| Memoranda: | ||
| Average total assets | $244,733,330 | 2,604 |
| Average earning assets | $224,227,330 | 2,590 |
| Average equity | $43,345,670 | 1,549 |
| Average total loans | $82,452,330 | 4,143 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 6,019 |
| Cost of funding earning assets | 0.7032% | 6,115 |
| Net interest margin | 3.5978% | 4,579 |
| Noninterest income to average assets | 0.6842% | 2,661 |
| Noninterest expense to average assets | 2.0607% | 6,717 |
| Loan and lease loss provision to assets | 0.5718% | 1,509 |
| Net operating income to assets | 1.0230% | 2,100 |
| Return on assets (ROA) | 1.0230% | 2,147 |
| Pretax return on assets | 1.3521% | 1,876 |
| Return on Equity (ROE) | 5.8621% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.8621% | 2,716 |
| Net charge-offs to loans | 1.3917% | 985 |
| Credit loss provision to net charge-offs | 121.8750% | 2,245 |
| Earnings coverage of net charge-offs (x) | 4.1007% | 2,560 |
| Efficiency ratio | 49.9182% | 6,990 |
| Assets per employee ($millions) | 4.3081% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2044% | 769 |
| Loan loss allowance to noncurrent loans | 98.0892% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 1.1276% | 4,675 |
| Noncurrent loans to loans | 3.2669% | 2,297 |
| Net loans and leases to total assets | 32.2041% | 7,160 |
| Net loans and leases to deposits | 39.2479% | 7,127 |
| Net loans and leases to core deposits | 40.6831% | 7,146 |
| Total domestic deposits to total assets | 82.0530% | 5,290 |
| Equity capital to assets | 17.5809% | 398 |
| Core capital (leverage) ratio | 16.9919% | 397 |
| Tier 1 risk-based capital ratio | 37.5524% | 289 |
| Total risk-based capital ratio | 38.8159% | 279 |
| Memoranda: | ||
| Average total assets | $245,548,500 | 2,608 |
| Average earning assets | $225,250,000 | 2,596 |
| Average equity | $42,851,500 | 1,551 |
| Average total loans | $82,773,500 | 4,170 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5211% | 6,335 |
| Cost of funding earning assets | 0.8653% | 6,319 |
| Net interest margin | 3.6557% | 4,547 |
| Noninterest income to average assets | 0.7130% | 2,766 |
| Noninterest expense to average assets | 2.1196% | 6,799 |
| Loan and lease loss provision to assets | 0.3072% | 4,347 |
| Net operating income to assets | 1.2193% | 1,369 |
| Return on assets (ROA) | 1.2193% | 1,442 |
| Pretax return on assets | 1.6565% | 1,027 |
| Return on Equity (ROE) | 6.9667% | 3,140 |
| Retained earnings to average equity (ytd only) | 0.9689% | 5,068 |
| Net charge-offs to loans | 0.1928% | 5,143 |
| Credit loss provision to net charge-offs | 472.6708% | 485 |
| Earnings coverage of net charge-offs (x) | 30.2112% | 730 |
| Efficiency ratio | 50.1681% | 7,113 |
| Assets per employee ($millions) | 4.3076% | 3,190 |
| Cash dividends to net income (ytd only)* | 86.0927% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0472% | 838 |
| Loan loss allowance to noncurrent loans | 225.9063% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 6,126 |
| Noncurrent loans to loans | 1.3489% | 4,460 |
| Net loans and leases to total assets | 33.1085% | 7,254 |
| Net loans and leases to deposits | 40.2819% | 7,244 |
| Net loans and leases to core deposits | 41.9144% | 7,257 |
| Total domestic deposits to total assets | 82.1919% | 5,129 |
| Equity capital to assets | 17.3218% | 422 |
| Core capital (leverage) ratio | 16.3078% | 476 |
| Tier 1 risk-based capital ratio | 36.1040% | 318 |
| Total risk-based capital ratio | 37.3661% | 312 |
| Memoranda: | ||
| Average total assets | $247,692,400 | 2,564 |
| Average earning assets | $228,353,000 | 2,542 |
| Average equity | $43,348,800 | 1,532 |
| Average total loans | $83,510,400 | 4,226 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5413% | 6,488 |
| Cost of funding earning assets | 0.8944% | 6,414 |
| Net interest margin | 3.6469% | 4,645 |
| Noninterest income to average assets | 0.7154% | 2,736 |
| Noninterest expense to average assets | 1.9868% | 7,074 |
| Loan and lease loss provision to assets | 0.1042% | 5,994 |
| Net operating income to assets | 1.4427% | 1,035 |
| Return on assets (ROA) | 1.4427% | 1,108 |
| Pretax return on assets | 1.9906% | 627 |
| Return on Equity (ROE) | 8.2227% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.2227% | 1,345 |
| Net charge-offs to loans | 0.1518% | 5,091 |
| Credit loss provision to net charge-offs | 204.2105% | 1,738 |
| Earnings coverage of net charge-offs (x) | 41.0538% | 669 |
| Efficiency ratio | 46.9404% | 7,339 |
| Assets per employee ($millions) | 4.3682% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4417% | 1,411 |
| Loan loss allowance to noncurrent loans | 328.1150% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 6,734 |
| Noncurrent loans to loans | 0.7442% | 5,718 |
| Net loans and leases to total assets | 32.9605% | 7,376 |
| Net loans and leases to deposits | 40.4728% | 7,358 |
| Net loans and leases to core deposits | 42.2040% | 7,369 |
| Total domestic deposits to total assets | 81.4387% | 5,225 |
| Equity capital to assets | 18.2143% | 397 |
| Core capital (leverage) ratio | 17.2614% | 406 |
| Tier 1 risk-based capital ratio | 38.0315% | 286 |
| Total risk-based capital ratio | 39.2881% | 279 |
| Memoranda: | ||
| Average total assets | $248,231,750 | 2,593 |
| Average earning assets | $229,119,250 | 2,573 |
| Average equity | $43,553,250 | 1,531 |
| Average total loans | $83,426,000 | 4,304 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 6,593 |
| Cost of funding earning assets | 0.9232% | 6,488 |
| Net interest margin | 3.6258% | 4,708 |
| Noninterest income to average assets | 0.7210% | 2,569 |
| Noninterest expense to average assets | 1.9994% | 7,113 |
| Loan and lease loss provision to assets | 0.1048% | 5,868 |
| Net operating income to assets | 1.4275% | 1,040 |
| Return on assets (ROA) | 1.4275% | 1,115 |
| Pretax return on assets | 1.9711% | 640 |
| Return on Equity (ROE) | 8.2414% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.2414% | 1,355 |
| Net charge-offs to loans | 0.1851% | 4,502 |
| Credit loss provision to net charge-offs | 168.8312% | 2,322 |
| Earnings coverage of net charge-offs (x) | 33.4286% | 842 |
| Efficiency ratio | 47.3184% | 7,382 |
| Assets per employee ($millions) | 4.4021% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3869% | 1,443 |
| Loan loss allowance to noncurrent loans | 492.1569% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 6,968 |
| Noncurrent loans to loans | 0.4850% | 6,280 |
| Net loans and leases to total assets | 32.7274% | 7,461 |
| Net loans and leases to deposits | 39.8502% | 7,446 |
| Net loans and leases to core deposits | 41.5242% | 7,461 |
| Total domestic deposits to total assets | 82.1260% | 4,931 |
| Equity capital to assets | 17.5731% | 465 |
| Core capital (leverage) ratio | 16.9227% | 451 |
| Tier 1 risk-based capital ratio | 36.7772% | 308 |
| Total risk-based capital ratio | 38.0330% | 300 |
| Memoranda: | ||
| Average total assets | $247,980,330 | 2,620 |
| Average earning assets | $229,412,330 | 2,589 |
| Average equity | $42,954,000 | 1,546 |
| Average total loans | $83,194,330 | 4,346 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 6,647 |
| Cost of funding earning assets | 0.9624% | 6,535 |
| Net interest margin | 3.6030% | 4,715 |
| Noninterest income to average assets | 0.6880% | 2,677 |
| Noninterest expense to average assets | 1.9569% | 7,240 |
| Loan and lease loss provision to assets | 0.1087% | 5,536 |
| Net operating income to assets | 1.4231% | 1,030 |
| Return on assets (ROA) | 1.4231% | 1,100 |
| Pretax return on assets | 1.9634% | 649 |
| Return on Equity (ROE) | 8.2767% | 2,746 |
| Retained earnings to average equity (ytd only) | 8.2767% | 1,598 |
| Net charge-offs to loans | 0.2031% | 3,697 |
| Credit loss provision to net charge-offs | 159.5238% | 2,259 |
| Earnings coverage of net charge-offs (x) | 30.4048% | 861 |
| Efficiency ratio | 46.7982% | 7,506 |
| Assets per employee ($millions) | 4.4243% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3765% | 1,449 |
| Loan loss allowance to noncurrent loans | 371.4822% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 6,906 |
| Noncurrent loans to loans | 0.6397% | 6,043 |
| Net loans and leases to total assets | 32.8284% | 7,540 |
| Net loans and leases to deposits | 39.8923% | 7,521 |
| Net loans and leases to core deposits | 41.5866% | 7,535 |
| Total domestic deposits to total assets | 82.2926% | 4,934 |
| Equity capital to assets | 17.2602% | 501 |
| Core capital (leverage) ratio | 16.7466% | 477 |
| Tier 1 risk-based capital ratio | 41.1845% | 236 |
| Total risk-based capital ratio | 42.4389% | 229 |
| Memoranda: | ||
| Average total assets | $246,511,500 | 2,686 |
| Average earning assets | $228,588,500 | 2,652 |
| Average equity | $42,384,000 | 1,580 |
| Average total loans | $82,728,000 | 4,419 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6325% | 7,233 |
| Cost of funding earning assets | 1.1891% | 6,690 |
| Net interest margin | 3.4435% | 5,203 |
| Noninterest income to average assets | 0.7049% | 2,934 |
| Noninterest expense to average assets | 2.1015% | 7,186 |
| Loan and lease loss provision to assets | 0.0989% | 6,632 |
| Net operating income to assets | 1.2573% | 1,118 |
| Return on assets (ROA) | 1.2573% | 1,174 |
| Pretax return on assets | 1.6995% | 779 |
| Return on Equity (ROE) | 7.2868% | 2,671 |
| Retained earnings to average equity (ytd only) | 2.5505% | 3,365 |
| Net charge-offs to loans | 0.2982% | 4,767 |
| Credit loss provision to net charge-offs | 101.6807% | 5,435 |
| Earnings coverage of net charge-offs (x) | 18.4916% | 1,123 |
| Efficiency ratio | 52.0432% | 7,381 |
| Assets per employee ($millions) | 4.1570% | 3,510 |
| Cash dividends to net income (ytd only)* | 64.9984% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3801% | 1,374 |
| Loan loss allowance to noncurrent loans | 258.9404% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 6,583 |
| Noncurrent loans to loans | 0.9192% | 5,475 |
| Net loans and leases to total assets | 32.6936% | 7,637 |
| Net loans and leases to deposits | 39.6818% | 7,633 |
| Net loans and leases to core deposits | 47.3001% | 7,643 |
| Total domestic deposits to total assets | 82.3894% | 4,778 |
| Equity capital to assets | 17.1262% | 541 |
| Core capital (leverage) ratio | 16.3545% | 567 |
| Tier 1 risk-based capital ratio | 35.3705% | 333 |
| Total risk-based capital ratio | 36.6261% | 332 |
| Memoranda: | ||
| Average total assets | $244,726,200 | 2,663 |
| Average earning assets | $227,068,400 | 2,627 |
| Average equity | $42,227,200 | 1,582 |
| Average total loans | $79,822,600 | 4,517 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 7,365 |
| Cost of funding earning assets | 1.2245% | 6,824 |
| Net interest margin | 3.4146% | 5,201 |
| Noninterest income to average assets | 0.7026% | 2,995 |
| Noninterest expense to average assets | 1.9907% | 7,405 |
| Loan and lease loss provision to assets | 0.0938% | 6,427 |
| Net operating income to assets | 1.3126% | 1,189 |
| Return on assets (ROA) | 1.3126% | 1,265 |
| Pretax return on assets | 1.7874% | 821 |
| Return on Equity (ROE) | 7.5931% | 2,820 |
| Retained earnings to average equity (ytd only) | 7.5931% | 1,270 |
| Net charge-offs to loans | 0.2507% | 4,484 |
| Credit loss provision to net charge-offs | 115.4362% | 4,399 |
| Earnings coverage of net charge-offs (x) | 23.1613% | 1,133 |
| Efficiency ratio | 49.5565% | 7,583 |
| Assets per employee ($millions) | 4.2849% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4366% | 1,129 |
| Loan loss allowance to noncurrent loans | 352.5000% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 6,875 |
| Noncurrent loans to loans | 0.6912% | 5,919 |
| Net loans and leases to total assets | 32.3624% | 7,736 |
| Net loans and leases to deposits | 39.5556% | 7,743 |
| Net loans and leases to core deposits | 47.4356% | 7,744 |
| Total domestic deposits to total assets | 81.8150% | 4,758 |
| Equity capital to assets | 17.7608% | 534 |
| Core capital (leverage) ratio | 16.8398% | 574 |
| Tier 1 risk-based capital ratio | 37.5436% | 321 |
| Total risk-based capital ratio | 38.7999% | 310 |
| Memoranda: | ||
| Average total assets | $244,592,250 | 2,679 |
| Average earning assets | $227,022,250 | 2,642 |
| Average equity | $42,283,000 | 1,594 |
| Average total loans | $79,243,250 | 4,570 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6437% | 7,469 |
| Cost of funding earning assets | 1.2425% | 6,985 |
| Net interest margin | 3.4013% | 5,166 |
| Noninterest income to average assets | 0.6972% | 3,008 |
| Noninterest expense to average assets | 2.0277% | 7,416 |
| Loan and lease loss provision to assets | 0.0825% | 6,355 |
| Net operating income to assets | 1.2758% | 1,288 |
| Return on assets (ROA) | 1.2758% | 1,372 |
| Pretax return on assets | 1.7482% | 935 |
| Return on Equity (ROE) | 7.4479% | 3,009 |
| Retained earnings to average equity (ytd only) | 7.4479% | 1,412 |
| Net charge-offs to loans | 0.1907% | 4,355 |
| Credit loss provision to net charge-offs | 134.6667% | 3,462 |
| Earnings coverage of net charge-offs (x) | 29.8667% | 1,005 |
| Efficiency ratio | 50.6884% | 7,619 |
| Assets per employee ($millions) | 3.9880% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5159% | 883 |
| Loan loss allowance to noncurrent loans | 339.1081% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 6,821 |
| Noncurrent loans to loans | 0.7419% | 5,761 |
| Net loans and leases to total assets | 30.9813% | 7,869 |
| Net loans and leases to deposits | 37.6151% | 7,871 |
| Net loans and leases to core deposits | 45.3611% | 7,848 |
| Total domestic deposits to total assets | 82.3638% | 4,533 |
| Equity capital to assets | 17.1731% | 640 |
| Core capital (leverage) ratio | 16.3968% | 692 |
| Tier 1 risk-based capital ratio | 37.2066% | 367 |
| Total risk-based capital ratio | 38.4634% | 357 |
| Memoranda: | ||
| Average total assets | $244,709,670 | 2,702 |
| Average earning assets | $227,445,670 | 2,660 |
| Average equity | $41,917,670 | 1,623 |
| Average total loans | $78,652,330 | 4,628 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 7,548 |
| Cost of funding earning assets | 1.2511% | 7,170 |
| Net interest margin | 3.4193% | 5,056 |
| Noninterest income to average assets | 0.6967% | 2,909 |
| Noninterest expense to average assets | 1.9406% | 7,463 |
| Loan and lease loss provision to assets | 0.0493% | 6,355 |
| Net operating income to assets | 1.3572% | 1,244 |
| Return on assets (ROA) | 1.3572% | 1,331 |
| Pretax return on assets | 1.8863% | 826 |
| Return on Equity (ROE) | 7.9336% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.9336% | 1,838 |
| Net charge-offs to loans | 0.0915% | 4,258 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 65.4444% | 610 |
| Efficiency ratio | 48.1984% | 7,719 |
| Assets per employee ($millions) | 4.0717% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4843% | 780 |
| Loan loss allowance to noncurrent loans | 350.5357% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 6,853 |
| Noncurrent loans to loans | 0.7087% | 5,638 |
| Net loans and leases to total assets | 31.0228% | 7,893 |
| Net loans and leases to deposits | 37.5890% | 7,909 |
| Net loans and leases to core deposits | 44.9682% | 7,887 |
| Total domestic deposits to total assets | 82.5317% | 4,363 |
| Equity capital to assets | 16.8902% | 739 |
| Core capital (leverage) ratio | 16.5466% | 710 |
| Tier 1 risk-based capital ratio | 37.0415% | 381 |
| Total risk-based capital ratio | 38.2985% | 376 |
| Memoranda: | ||
| Average total assets | $243,435,000 | 2,729 |
| Average earning assets | $226,359,500 | 2,687 |
| Average equity | $41,645,500 | 1,635 |
| Average total loans | $78,688,000 | 4,656 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0925% | 7,777 |
| Cost of funding earning assets | 1.7835% | 7,048 |
| Net interest margin | 3.3090% | 6,007 |
| Noninterest income to average assets | 0.8048% | 2,491 |
| Noninterest expense to average assets | 2.0547% | 7,334 |
| Loan and lease loss provision to assets | 0.1454% | 5,497 |
| Net operating income to assets | 1.2001% | 1,765 |
| Return on assets (ROA) | 1.2001% | 1,700 |
| Pretax return on assets | 1.6376% | 1,289 |
| Return on Equity (ROE) | 7.0310% | 3,515 |
| Retained earnings to average equity (ytd only) | 2.1348% | 3,905 |
| Net charge-offs to loans | 0.1253% | 4,987 |
| Credit loss provision to net charge-offs | 366.3158% | 1,207 |
| Earnings coverage of net charge-offs (x) | 44.9158% | 826 |
| Efficiency ratio | 51.6224% | 7,529 |
| Assets per employee ($millions) | 3.9098% | 3,707 |
| Cash dividends to net income (ytd only)* | 69.6379% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4898% | 689 |
| Loan loss allowance to noncurrent loans | 1,140.9357% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 7,270 |
| Noncurrent loans to loans | 0.2182% | 6,737 |
| Net loans and leases to total assets | 32.0380% | 7,942 |
| Net loans and leases to deposits | 39.0667% | 7,958 |
| Net loans and leases to core deposits | 46.5715% | 7,956 |
| Total domestic deposits to total assets | 82.0084% | 4,198 |
| Equity capital to assets | 17.3337% | 740 |
| Core capital (leverage) ratio | 16.1039% | 808 |
| Tier 1 risk-based capital ratio | 36.9184% | 395 |
| Total risk-based capital ratio | 38.1755% | 389 |
| Memoranda: | ||
| Average total assets | $239,309,600 | 2,661 |
| Average earning assets | $219,343,000 | 2,668 |
| Average equity | $40,847,800 | 1,639 |
| Average total loans | $75,800,200 | 4,661 |