Home > The Yellowstone Bank > Performance and Condition Ratios
The Yellowstone Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 2,922 |
| Cost of funding earning assets | 1.2927% | 2,539 |
| Net interest margin | 3.2954% | 2,648 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.4652% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9459% | 502 |
| Return on assets (ROA) | 1.9459% | 479 |
| Pretax return on assets | 1.9459% | 725 |
| Return on Equity (ROE) | 14.4300% | 1,396 |
| Retained earnings to average equity (ytd only) | 0.1817% | 4,004 |
| Net charge-offs to loans | 0.0009% | 2,850 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 3,916.0000% | 27 |
| Efficiency ratio | 42.9543% | 4,289 |
| Assets per employee ($millions) | 13.5925% | 281 |
| Cash dividends to net income (ytd only)* | 98.7402% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4757% | 4,352 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 48.0800% | 3,722 |
| Net loans and leases to deposits | 68.2517% | 3,012 |
| Net loans and leases to core deposits | 72.3129% | 3,173 |
| Total domestic deposits to total assets | 70.4400% | 4,273 |
| Equity capital to assets | 11.3970% | 1,331 |
| Core capital (leverage) ratio | 12.6456% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,207,460,800 | 849 |
| Average earning assets | $1,145,038,000 | 825 |
| Average equity | $162,862,200 | 633 |
| Average total loans | $660,570,400 | 1,012 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 2,715 |
| Cost of funding earning assets | 1.2237% | 2,355 |
| Net interest margin | 3.3623% | 2,538 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 1.4287% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0646% | 460 |
| Return on assets (ROA) | 2.0646% | 454 |
| Pretax return on assets | 2.0646% | 698 |
| Return on Equity (ROE) | 14.6300% | 1,519 |
| Retained earnings to average equity (ytd only) | 8.7803% | 1,745 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 40.8975% | 4,337 |
| Assets per employee ($millions) | 11.4564% | 440 |
| Cash dividends to net income (ytd only)* | 39.9889% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4794% | 4,363 |
| Loan loss allowance to noncurrent loans | 160.4827% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 2,438 |
| Noncurrent loans to loans | 0.2987% | 2,161 |
| Net loans and leases to total assets | 57.2600% | 3,096 |
| Net loans and leases to deposits | 69.2181% | 2,891 |
| Net loans and leases to core deposits | 73.2502% | 3,041 |
| Total domestic deposits to total assets | 82.7300% | 3,064 |
| Equity capital to assets | 14.5889% | 575 |
| Core capital (leverage) ratio | 14.1582% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,162,718,500 | 875 |
| Average earning assets | $1,100,143,750 | 854 |
| Average equity | $164,075,000 | 623 |
| Average total loans | $658,277,500 | 1,013 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4539% | 2,760 |
| Cost of funding earning assets | 1.0892% | 2,318 |
| Net interest margin | 3.3648% | 2,607 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 1.4149% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0861% | 415 |
| Return on assets (ROA) | 2.0861% | 409 |
| Pretax return on assets | 2.0861% | 642 |
| Return on Equity (ROE) | 14.9500% | 1,484 |
| Retained earnings to average equity (ytd only) | 9.0426% | 1,671 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.4150% | 4,382 |
| Assets per employee ($millions) | 11.4969% | 439 |
| Cash dividends to net income (ytd only)* | 39.5159% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4849% | 4,388 |
| Loan loss allowance to noncurrent loans | 2,824.7788% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 3,751 |
| Noncurrent loans to loans | 0.0172% | 3,641 |
| Net loans and leases to total assets | 56.9700% | 3,046 |
| Net loans and leases to deposits | 68.9673% | 2,863 |
| Net loans and leases to core deposits | 72.2232% | 3,003 |
| Total domestic deposits to total assets | 82.6100% | 3,120 |
| Equity capital to assets | 14.3820% | 594 |
| Core capital (leverage) ratio | 13.9204% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,164,592,667 | 866 |
| Average earning assets | $1,101,407,667 | 843 |
| Average equity | $162,497,667 | 625 |
| Average total loans | $655,777,333 | 1,000 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3244% | 2,739 |
| Cost of funding earning assets | 0.9310% | 2,268 |
| Net interest margin | 3.3933% | 2,653 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.3679% | 4,491 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0955% | 429 |
| Return on assets (ROA) | 2.0955% | 423 |
| Pretax return on assets | 2.0955% | 660 |
| Return on Equity (ROE) | 15.2500% | 1,510 |
| Retained earnings to average equity (ytd only) | 15.2478% | 773 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 39.4955% | 4,459 |
| Assets per employee ($millions) | 11.3158% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4873% | 4,443 |
| Loan loss allowance to noncurrent loans | 9,120.0000% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 3,885 |
| Noncurrent loans to loans | 0.0053% | 3,806 |
| Net loans and leases to total assets | 56.4700% | 3,006 |
| Net loans and leases to deposits | 68.2565% | 2,750 |
| Net loans and leases to core deposits | 70.0679% | 2,951 |
| Total domestic deposits to total assets | 82.7300% | 3,348 |
| Equity capital to assets | 14.2211% | 567 |
| Core capital (leverage) ratio | 13.6331% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,172,042,500 | 881 |
| Average earning assets | $1,108,878,000 | 860 |
| Average equity | $161,072,000 | 643 |
| Average total loans | $654,557,000 | 1,012 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5547% | 2,927 |
| Cost of funding earning assets | 0.2201% | 3,597 |
| Net interest margin | 3.3346% | 2,471 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.4678% | 4,457 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9930% | 301 |
| Return on assets (ROA) | 1.9930% | 291 |
| Pretax return on assets | 1.9930% | 483 |
| Return on Equity (ROE) | 14.7800% | 1,316 |
| Retained earnings to average equity (ytd only) | 1.0194% | 4,192 |
| Net charge-offs to loans | -0.0013% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 42.4128% | 4,479 |
| Assets per employee ($millions) | 11.3321% | 465 |
| Cash dividends to net income (ytd only)* | 93.1052% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4880% | 4,445 |
| Loan loss allowance to noncurrent loans | 11,006.8966% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 3,922 |
| Noncurrent loans to loans | 0.0044% | 3,848 |
| Net loans and leases to total assets | 54.7100% | 3,140 |
| Net loans and leases to deposits | 64.8847% | 2,966 |
| Net loans and leases to core deposits | 65.9791% | 3,134 |
| Total domestic deposits to total assets | 84.3100% | 3,145 |
| Equity capital to assets | 13.2789% | 661 |
| Core capital (leverage) ratio | 12.6903% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,196,379,600 | 857 |
| Average earning assets | $1,134,072,600 | 832 |
| Average equity | $161,274,400 | 639 |
| Average total loans | $629,331,000 | 1,002 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3798% | 2,970 |
| Cost of funding earning assets | 0.1403% | 3,935 |
| Net interest margin | 3.2395% | 2,500 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.3561% | 4,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0386% | 270 |
| Return on assets (ROA) | 2.0386% | 273 |
| Pretax return on assets | 2.0386% | 431 |
| Return on Equity (ROE) | 15.0700% | 1,156 |
| Retained earnings to average equity (ytd only) | 9.1443% | 1,603 |
| Net charge-offs to loans | -0.0017% | 3,240 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.9482% | 4,574 |
| Assets per employee ($millions) | 11.2886% | 468 |
| Cash dividends to net income (ytd only)* | 39.3077% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5021% | 4,474 |
| Loan loss allowance to noncurrent loans | 11,006.8966% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 4,004 |
| Noncurrent loans to loans | 0.0046% | 3,927 |
| Net loans and leases to total assets | 52.3600% | 3,248 |
| Net loans and leases to deposits | 62.3152% | 2,998 |
| Net loans and leases to core deposits | 63.1597% | 3,175 |
| Total domestic deposits to total assets | 84.0300% | 3,501 |
| Equity capital to assets | 13.8652% | 576 |
| Core capital (leverage) ratio | 13.3773% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,198,007,250 | 860 |
| Average earning assets | $1,136,449,500 | 837 |
| Average equity | $162,092,500 | 644 |
| Average total loans | $623,128,750 | 1,004 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1843% | 3,091 |
| Cost of funding earning assets | 0.1224% | 3,935 |
| Net interest margin | 3.0619% | 2,675 |
| Noninterest income to average assets | 0.3517% | 3,046 |
| Noninterest expense to average assets | 1.3697% | 4,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8873% | 277 |
| Return on assets (ROA) | 1.8873% | 276 |
| Pretax return on assets | 1.8873% | 479 |
| Return on Equity (ROE) | 14.0663% | 1,099 |
| Retained earnings to average equity (ytd only) | 8.0774% | 1,589 |
| Net charge-offs to loans | -0.0029% | 3,197 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0539% | 4,566 |
| Assets per employee ($millions) | 11.0393% | 487 |
| Cash dividends to net income (ytd only)* | 42.5758% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5147% | 4,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 51.2921% | 3,238 |
| Net loans and leases to deposits | 60.7332% | 3,000 |
| Net loans and leases to core deposits | 61.4504% | 3,163 |
| Total domestic deposits to total assets | 84.4547% | 3,598 |
| Equity capital to assets | 13.5323% | 579 |
| Core capital (leverage) ratio | 13.0645% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,194,716,667 | 857 |
| Average earning assets | $1,133,611,667 | 842 |
| Average equity | $160,298,333 | 660 |
| Average total loans | $618,942,000 | 1,000 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0417% | 3,133 |
| Cost of funding earning assets | 0.1124% | 3,976 |
| Net interest margin | 2.9293% | 2,733 |
| Noninterest income to average assets | 0.3837% | 2,788 |
| Noninterest expense to average assets | 1.3639% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7967% | 336 |
| Return on assets (ROA) | 1.7967% | 334 |
| Pretax return on assets | 1.7967% | 553 |
| Return on Equity (ROE) | 13.4489% | 950 |
| Retained earnings to average equity (ytd only) | 13.4489% | 429 |
| Net charge-offs to loans | -0.0058% | 3,388 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1533% | 4,580 |
| Assets per employee ($millions) | 10.7965% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5188% | 4,572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 51.0922% | 3,062 |
| Net loans and leases to deposits | 60.4131% | 2,867 |
| Net loans and leases to core deposits | 61.1188% | 3,052 |
| Total domestic deposits to total assets | 84.5713% | 3,641 |
| Equity capital to assets | 13.4933% | 607 |
| Core capital (leverage) ratio | 13.2640% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,190,435,000 | 863 |
| Average earning assets | $1,128,464,000 | 852 |
| Average equity | $159,031,500 | 682 |
| Average total loans | $618,223,000 | 996 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6396% | 2,283 |
| Cost of funding earning assets | 0.1529% | 3,940 |
| Net interest margin | 3.4867% | 1,778 |
| Noninterest income to average assets | 0.6630% | 1,893 |
| Noninterest expense to average assets | 1.6213% | 4,400 |
| Loan and lease loss provision to assets | 0.0272% | 2,513 |
| Net operating income to assets | 2.3036% | 207 |
| Return on assets (ROA) | 2.3036% | 216 |
| Pretax return on assets | 2.3036% | 343 |
| Return on Equity (ROE) | 15.3172% | 881 |
| Retained earnings to average equity (ytd only) | 1.1002% | 4,235 |
| Net charge-offs to loans | 0.0012% | 2,629 |
| Credit loss provision to net charge-offs | 4,100.0000% | 171 |
| Earnings coverage of net charge-offs (x) | 3,519.4286% | 34 |
| Efficiency ratio | 41.0241% | 4,668 |
| Assets per employee ($millions) | 10.6528% | 559 |
| Cash dividends to net income (ytd only)* | 92.8170% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5128% | 4,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 52.2449% | 3,033 |
| Net loans and leases to deposits | 61.7382% | 2,906 |
| Net loans and leases to core deposits | 62.4700% | 3,120 |
| Total domestic deposits to total assets | 84.6233% | 3,388 |
| Equity capital to assets | 13.2231% | 844 |
| Core capital (leverage) ratio | 13.1363% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,057,004,000 | 923 |
| Average earning assets | $997,081,000 | 909 |
| Average equity | $158,965,600 | 680 |
| Average total loans | $604,010,600 | 1,003 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4260% | 3,026 |
| Cost of funding earning assets | 0.1485% | 4,120 |
| Net interest margin | 3.2775% | 2,484 |
| Noninterest income to average assets | 0.7268% | 1,744 |
| Noninterest expense to average assets | 1.5974% | 4,468 |
| Loan and lease loss provision to assets | 0.0373% | 2,246 |
| Net operating income to assets | 2.1791% | 338 |
| Return on assets (ROA) | 2.1791% | 353 |
| Pretax return on assets | 2.1791% | 569 |
| Return on Equity (ROE) | 14.0023% | 1,392 |
| Retained earnings to average equity (ytd only) | 6.8186% | 2,487 |
| Net charge-offs to loans | 0.0016% | 2,357 |
| Credit loss provision to net charge-offs | 4,100.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 2,435.7143% | 59 |
| Efficiency ratio | 41.8842% | 4,666 |
| Assets per employee ($millions) | 10.1776% | 612 |
| Cash dividends to net income (ytd only)* | 51.3035% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4921% | 4,711 |
| Loan loss allowance to noncurrent loans | 311.8511% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 3,483 |
| Noncurrent loans to loans | 0.1578% | 3,337 |
| Net loans and leases to total assets | 58.0339% | 2,494 |
| Net loans and leases to deposits | 70.4688% | 2,191 |
| Net loans and leases to core deposits | 71.4181% | 2,477 |
| Total domestic deposits to total assets | 82.3541% | 3,853 |
| Equity capital to assets | 14.6726% | 602 |
| Core capital (leverage) ratio | 14.3912% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,025,640,250 | 952 |
| Average earning assets | $966,025,250 | 943 |
| Average equity | $159,617,500 | 686 |
| Average total loans | $599,773,500 | 1,030 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4796% | 2,940 |
| Cost of funding earning assets | 0.1558% | 4,160 |
| Net interest margin | 3.3238% | 2,367 |
| Noninterest income to average assets | 0.8305% | 1,455 |
| Noninterest expense to average assets | 1.6203% | 4,481 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.3409% | 269 |
| Return on assets (ROA) | 2.3409% | 286 |
| Pretax return on assets | 2.3409% | 450 |
| Return on Equity (ROE) | 14.7295% | 1,222 |
| Retained earnings to average equity (ytd only) | 6.7833% | 2,508 |
| Net charge-offs to loans | 0.0024% | 2,118 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,668.2857% | 70 |
| Efficiency ratio | 40.9038% | 4,726 |
| Assets per employee ($millions) | 10.0192% | 604 |
| Cash dividends to net income (ytd only)* | 53.9476% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4795% | 4,753 |
| Loan loss allowance to noncurrent loans | 3,017.7083% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 4,248 |
| Noncurrent loans to loans | 0.0159% | 4,147 |
| Net loans and leases to total assets | 58.8329% | 2,565 |
| Net loans and leases to deposits | 72.5864% | 2,153 |
| Net loans and leases to core deposits | 73.4617% | 2,464 |
| Total domestic deposits to total assets | 81.0522% | 4,085 |
| Equity capital to assets | 15.6550% | 453 |
| Core capital (leverage) ratio | 15.1716% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $997,733,667 | 967 |
| Average earning assets | $939,756,333 | 953 |
| Average equity | $158,566,000 | 680 |
| Average total loans | $584,035,000 | 1,057 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5121% | 2,882 |
| Cost of funding earning assets | 0.1629% | 4,218 |
| Net interest margin | 3.3491% | 2,252 |
| Noninterest income to average assets | 1.1197% | 954 |
| Noninterest expense to average assets | 1.6379% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.6351% | 210 |
| Return on assets (ROA) | 2.6351% | 235 |
| Pretax return on assets | 2.6351% | 362 |
| Return on Equity (ROE) | 16.4530% | 937 |
| Retained earnings to average equity (ytd only) | 16.4530% | 471 |
| Net charge-offs to loans | -0.0063% | 3,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3322% | 4,800 |
| Assets per employee ($millions) | 10.0829% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4949% | 4,776 |
| Loan loss allowance to noncurrent loans | 18,206.2500% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,404 |
| Noncurrent loans to loans | 0.0027% | 4,322 |
| Net loans and leases to total assets | 57.5140% | 2,856 |
| Net loans and leases to deposits | 70.8069% | 2,432 |
| Net loans and leases to core deposits | 71.5831% | 2,738 |
| Total domestic deposits to total assets | 81.2266% | 4,028 |
| Equity capital to assets | 15.8195% | 410 |
| Core capital (leverage) ratio | 15.9830% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $985,622,500 | 967 |
| Average earning assets | $927,997,000 | 952 |
| Average equity | $157,855,500 | 677 |
| Average total loans | $573,981,000 | 1,073 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 866 |
| Cost of funding earning assets | 0.2946% | 4,175 |
| Net interest margin | 4.4227% | 383 |
| Noninterest income to average assets | 1.4335% | 581 |
| Noninterest expense to average assets | 2.0443% | 4,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 3.5290% | 69 |
| Return on assets (ROA) | 3.5290% | 70 |
| Pretax return on assets | 3.5290% | 86 |
| Return on Equity (ROE) | 20.6278% | 205 |
| Retained earnings to average equity (ytd only) | 2.1281% | 3,769 |
| Net charge-offs to loans | 0.0109% | 2,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 503.5645% | 233 |
| Efficiency ratio | 36.6804% | 4,929 |
| Assets per employee ($millions) | 9.2512% | 681 |
| Cash dividends to net income (ytd only)* | 89.6832% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5192% | 4,781 |
| Loan loss allowance to noncurrent loans | 18,150.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,476 |
| Noncurrent loans to loans | 0.0029% | 4,400 |
| Net loans and leases to total assets | 58.3959% | 3,044 |
| Net loans and leases to deposits | 72.0839% | 2,680 |
| Net loans and leases to core deposits | 73.1336% | 2,987 |
| Total domestic deposits to total assets | 81.0111% | 3,868 |
| Equity capital to assets | 16.2256% | 405 |
| Core capital (leverage) ratio | 15.8493% | 405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $884,697,600 | 981 |
| Average earning assets | $828,109,400 | 976 |
| Average equity | $151,353,800 | 669 |
| Average total loans | $566,901,000 | 1,032 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 2,168 |
| Cost of funding earning assets | 0.3266% | 4,178 |
| Net interest margin | 3.9516% | 1,232 |
| Noninterest income to average assets | 0.6809% | 1,854 |
| Noninterest expense to average assets | 1.7581% | 4,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.6185% | 129 |
| Return on assets (ROA) | 2.6185% | 135 |
| Pretax return on assets | 2.6185% | 179 |
| Return on Equity (ROE) | 15.0920% | 677 |
| Retained earnings to average equity (ytd only) | -2.6216% | 4,749 |
| Net charge-offs to loans | 0.0145% | 2,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 274.8387% | 390 |
| Efficiency ratio | 40.1706% | 4,889 |
| Assets per employee ($millions) | 9.1925% | 657 |
| Cash dividends to net income (ytd only)* | 117.3709% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4808% | 4,826 |
| Loan loss allowance to noncurrent loans | 171.8343% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 3,529 |
| Noncurrent loans to loans | 0.2798% | 3,289 |
| Net loans and leases to total assets | 64.1043% | 2,761 |
| Net loans and leases to deposits | 82.3753% | 2,062 |
| Net loans and leases to core deposits | 83.6497% | 2,511 |
| Total domestic deposits to total assets | 77.8198% | 4,226 |
| Equity capital to assets | 15.8301% | 490 |
| Core capital (leverage) ratio | 15.3347% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $867,654,500 | 984 |
| Average earning assets | $811,459,000 | 980 |
| Average equity | $150,540,000 | 660 |
| Average total loans | $568,791,000 | 1,024 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4000% | 2,212 |
| Cost of funding earning assets | 0.3681% | 4,185 |
| Net interest margin | 4.0319% | 1,258 |
| Noninterest income to average assets | 0.5912% | 2,159 |
| Noninterest expense to average assets | 1.7181% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.6376% | 115 |
| Return on assets (ROA) | 2.6376% | 122 |
| Pretax return on assets | 2.6376% | 172 |
| Return on Equity (ROE) | 14.7246% | 752 |
| Retained earnings to average equity (ytd only) | -7.7557% | 4,873 |
| Net charge-offs to loans | 0.0223% | 2,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 179.5968% | 488 |
| Efficiency ratio | 39.4442% | 4,926 |
| Assets per employee ($millions) | 9.2393% | 637 |
| Cash dividends to net income (ytd only)* | 152.6718% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4832% | 4,851 |
| Loan loss allowance to noncurrent loans | 146.5187% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 3,488 |
| Noncurrent loans to loans | 0.3298% | 3,208 |
| Net loans and leases to total assets | 63.4701% | 2,941 |
| Net loans and leases to deposits | 83.3969% | 2,055 |
| Net loans and leases to core deposits | 84.8018% | 2,543 |
| Total domestic deposits to total assets | 76.1062% | 4,417 |
| Equity capital to assets | 15.4416% | 545 |
| Core capital (leverage) ratio | 15.5029% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $844,328,000 | 989 |
| Average earning assets | $788,315,333 | 981 |
| Average equity | $151,244,000 | 658 |
| Average total loans | $557,065,333 | 1,027 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 1,514 |
| Cost of funding earning assets | 0.4854% | 4,007 |
| Net interest margin | 4.2803% | 789 |
| Noninterest income to average assets | 0.5895% | 2,083 |
| Noninterest expense to average assets | 1.8398% | 4,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.7326% | 85 |
| Return on assets (ROA) | 2.7326% | 87 |
| Pretax return on assets | 2.7326% | 118 |
| Return on Equity (ROE) | 14.1021% | 679 |
| Retained earnings to average equity (ytd only) | 14.1021% | 244 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2376% | 4,975 |
| Assets per employee ($millions) | 7.8135% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5586% | 4,822 |
| Loan loss allowance to noncurrent loans | 929.7806% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 4,366 |
| Noncurrent loans to loans | 0.0601% | 4,307 |
| Net loans and leases to total assets | 66.2475% | 2,789 |
| Net loans and leases to deposits | 86.1554% | 1,977 |
| Net loans and leases to core deposits | 87.8043% | 2,537 |
| Total domestic deposits to total assets | 76.8930% | 4,368 |
| Equity capital to assets | 19.6771% | 261 |
| Core capital (leverage) ratio | 19.2321% | 266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $795,287,000 | 1,009 |
| Average earning assets | $740,040,000 | 1,000 |
| Average equity | $154,104,500 | 645 |
| Average total loans | $535,071,500 | 1,036 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1586% | 1,090 |
| Cost of funding earning assets | 0.5956% | 3,662 |
| Net interest margin | 4.5630% | 620 |
| Noninterest income to average assets | 0.4881% | 2,813 |
| Noninterest expense to average assets | 2.0821% | 4,393 |
| Loan and lease loss provision to assets | -0.5224% | 5,168 |
| Net operating income to assets | 3.1700% | 69 |
| Return on assets (ROA) | 3.1700% | 72 |
| Pretax return on assets | 3.1700% | 88 |
| Return on Equity (ROE) | 16.9061% | 429 |
| Retained earnings to average equity (ytd only) | 10.4978% | 400 |
| Net charge-offs to loans | -0.7906% | 5,131 |
| Credit loss provision to net charge-offs | 94.6522% | 2,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0213% | 4,979 |
| Assets per employee ($millions) | 7.8574% | 754 |
| Cash dividends to net income (ytd only)* | 37.9053% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5501% | 4,819 |
| Loan loss allowance to noncurrent loans | 26,963.6364% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 3,436 |
| Noncurrent loans to loans | 0.0020% | 4,600 |
| Net loans and leases to total assets | 67.5701% | 2,743 |
| Net loans and leases to deposits | 87.3370% | 1,932 |
| Net loans and leases to core deposits | 88.9125% | 2,522 |
| Total domestic deposits to total assets | 77.3671% | 4,452 |
| Equity capital to assets | 19.0761% | 295 |
| Core capital (leverage) ratio | 18.6761% | 295 |
| Tier 1 risk-based capital ratio | 25.5967% | 708 |
| Total risk-based capital ratio | 26.1166% | 745 |
| Memoranda: | ||
| Average total assets | $765,637,000 | 1,010 |
| Average earning assets | $711,701,200 | 1,001 |
| Average equity | $143,563,200 | 653 |
| Average total loans | $534,531,800 | 1,007 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2136% | 1,017 |
| Cost of funding earning assets | 0.6171% | 3,600 |
| Net interest margin | 4.5965% | 625 |
| Noninterest income to average assets | 0.4794% | 2,855 |
| Noninterest expense to average assets | 1.8677% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.8856% | 95 |
| Return on assets (ROA) | 2.8856% | 99 |
| Pretax return on assets | 2.8856% | 131 |
| Return on Equity (ROE) | 15.4593% | 692 |
| Retained earnings to average equity (ytd only) | 8.9626% | 1,058 |
| Net charge-offs to loans | -0.0097% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2923% | 5,141 |
| Assets per employee ($millions) | 7.8006% | 745 |
| Cash dividends to net income (ytd only)* | 42.0245% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5189% | 4,944 |
| Loan loss allowance to noncurrent loans | 142.5128% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 3,479 |
| Noncurrent loans to loans | 0.3641% | 3,246 |
| Net loans and leases to total assets | 68.2953% | 2,746 |
| Net loans and leases to deposits | 87.8132% | 1,957 |
| Net loans and leases to core deposits | 89.2048% | 2,614 |
| Total domestic deposits to total assets | 77.7733% | 4,392 |
| Equity capital to assets | 18.6954% | 330 |
| Core capital (leverage) ratio | 18.4775% | 319 |
| Tier 1 risk-based capital ratio | 24.6496% | 793 |
| Total risk-based capital ratio | 25.1373% | 840 |
| Memoranda: | ||
| Average total assets | $758,646,250 | 1,017 |
| Average earning assets | $705,387,250 | 1,002 |
| Average equity | $141,607,000 | 655 |
| Average total loans | $533,364,250 | 1,010 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2165% | 951 |
| Cost of funding earning assets | 0.6200% | 3,553 |
| Net interest margin | 4.5965% | 623 |
| Noninterest income to average assets | 0.4487% | 2,966 |
| Noninterest expense to average assets | 1.8733% | 4,789 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.8492% | 102 |
| Return on assets (ROA) | 2.8492% | 106 |
| Pretax return on assets | 2.8492% | 149 |
| Return on Equity (ROE) | 15.2728% | 711 |
| Retained earnings to average equity (ytd only) | 8.8532% | 1,076 |
| Net charge-offs to loans | -0.0146% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6675% | 5,171 |
| Assets per employee ($millions) | 7.5604% | 788 |
| Cash dividends to net income (ytd only)* | 42.0325% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5272% | 4,980 |
| Loan loss allowance to noncurrent loans | 170.2819% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2348% | 3,630 |
| Noncurrent loans to loans | 0.3096% | 3,436 |
| Net loans and leases to total assets | 69.3538% | 2,622 |
| Net loans and leases to deposits | 89.5548% | 1,789 |
| Net loans and leases to core deposits | 91.0657% | 2,501 |
| Total domestic deposits to total assets | 77.4429% | 4,493 |
| Equity capital to assets | 18.8514% | 301 |
| Core capital (leverage) ratio | 18.4103% | 318 |
| Tier 1 risk-based capital ratio | 24.6495% | 790 |
| Total risk-based capital ratio | 25.1490% | 835 |
| Memoranda: | ||
| Average total assets | $751,507,330 | 1,029 |
| Average earning assets | $698,744,330 | 1,011 |
| Average equity | $140,197,330 | 655 |
| Average total loans | $532,644,000 | 1,009 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2126% | 886 |
| Cost of funding earning assets | 0.6094% | 3,514 |
| Net interest margin | 4.6032% | 604 |
| Noninterest income to average assets | 0.4639% | 2,776 |
| Noninterest expense to average assets | 1.8451% | 4,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.9016% | 90 |
| Return on assets (ROA) | 2.9016% | 98 |
| Pretax return on assets | 2.9016% | 140 |
| Return on Equity (ROE) | 15.6364% | 645 |
| Retained earnings to average equity (ytd only) | 15.6364% | 240 |
| Net charge-offs to loans | 0.0194% | 2,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 209.0385% | 373 |
| Efficiency ratio | 38.8708% | 5,228 |
| Assets per employee ($millions) | 7.5386% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5175% | 5,062 |
| Loan loss allowance to noncurrent loans | 138.4694% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 3,415 |
| Noncurrent loans to loans | 0.3737% | 3,246 |
| Net loans and leases to total assets | 69.2095% | 2,598 |
| Net loans and leases to deposits | 89.2064% | 1,730 |
| Net loans and leases to core deposits | 90.5691% | 2,436 |
| Total domestic deposits to total assets | 77.5836% | 4,580 |
| Equity capital to assets | 18.8034% | 294 |
| Core capital (leverage) ratio | 18.5048% | 307 |
| Tier 1 risk-based capital ratio | 24.7545% | 774 |
| Total risk-based capital ratio | 25.2471% | 821 |
| Memoranda: | ||
| Average total assets | $749,243,000 | 1,030 |
| Average earning assets | $697,078,000 | 1,018 |
| Average equity | $139,034,500 | 660 |
| Average total loans | $535,406,500 | 1,013 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0344% | 974 |
| Cost of funding earning assets | 0.4181% | 3,877 |
| Net interest margin | 4.6163% | 584 |
| Noninterest income to average assets | 0.5488% | 2,552 |
| Noninterest expense to average assets | 1.9790% | 4,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.8521% | 96 |
| Return on assets (ROA) | 2.8521% | 94 |
| Pretax return on assets | 2.8521% | 114 |
| Return on Equity (ROE) | 15.8860% | 655 |
| Retained earnings to average equity (ytd only) | 8.4192% | 1,076 |
| Net charge-offs to loans | -0.1060% | 5,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9633% | 5,266 |
| Assets per employee ($millions) | 7.4462% | 819 |
| Cash dividends to net income (ytd only)* | 47.0024% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5015% | 5,120 |
| Loan loss allowance to noncurrent loans | 33.9025% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.0854% | 1,241 |
| Noncurrent loans to loans | 1.4793% | 1,035 |
| Net loans and leases to total assets | 73.0053% | 2,097 |
| Net loans and leases to deposits | 93.4072% | 1,346 |
| Net loans and leases to core deposits | 94.6980% | 2,168 |
| Total domestic deposits to total assets | 78.1581% | 4,463 |
| Equity capital to assets | 18.3068% | 319 |
| Core capital (leverage) ratio | 17.8348% | 348 |
| Tier 1 risk-based capital ratio | 23.0235% | 919 |
| Total risk-based capital ratio | 23.5051% | 971 |
| Memoranda: | ||
| Average total assets | $731,029,000 | 1,018 |
| Average earning assets | $678,134,400 | 1,017 |
| Average equity | $131,247,600 | 663 |
| Average total loans | $546,358,800 | 958 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0222% | 902 |
| Cost of funding earning assets | 0.3606% | 4,112 |
| Net interest margin | 4.6616% | 512 |
| Noninterest income to average assets | 0.5455% | 2,585 |
| Noninterest expense to average assets | 1.8844% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.9842% | 79 |
| Return on assets (ROA) | 2.9842% | 79 |
| Pretax return on assets | 2.9842% | 111 |
| Return on Equity (ROE) | 16.7057% | 583 |
| Retained earnings to average equity (ytd only) | 8.9098% | 1,254 |
| Net charge-offs to loans | -0.4288% | 5,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7053% | 5,357 |
| Assets per employee ($millions) | 7.2801% | 846 |
| Cash dividends to net income (ytd only)* | 46.6659% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7136% | 4,851 |
| Loan loss allowance to noncurrent loans | 29.6616% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 1.8144% | 634 |
| Noncurrent loans to loans | 2.4060% | 557 |
| Net loans and leases to total assets | 74.8744% | 1,841 |
| Net loans and leases to deposits | 95.6834% | 1,191 |
| Net loans and leases to core deposits | 97.1377% | 2,007 |
| Total domestic deposits to total assets | 78.2522% | 4,450 |
| Equity capital to assets | 18.3999% | 303 |
| Core capital (leverage) ratio | 17.9138% | 336 |
| Tier 1 risk-based capital ratio | 22.2695% | 1,016 |
| Total risk-based capital ratio | 22.9481% | 1,072 |
| Memoranda: | ||
| Average total assets | $727,630,250 | 1,024 |
| Average earning assets | $674,798,500 | 1,022 |
| Average equity | $129,980,250 | 663 |
| Average total loans | $546,359,750 | 961 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 1,799 |
| Cost of funding earning assets | 0.3284% | 4,214 |
| Net interest margin | 4.2647% | 1,121 |
| Noninterest income to average assets | 0.5476% | 2,588 |
| Noninterest expense to average assets | 1.8925% | 4,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.6108% | 125 |
| Return on assets (ROA) | 2.6108% | 125 |
| Pretax return on assets | 2.6108% | 182 |
| Return on Equity (ROE) | 14.7634% | 902 |
| Retained earnings to average equity (ytd only) | 8.2344% | 1,527 |
| Net charge-offs to loans | -0.1305% | 5,237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0243% | 5,344 |
| Assets per employee ($millions) | 7.2315% | 850 |
| Cash dividends to net income (ytd only)* | 44.2245% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4581% | 5,312 |
| Loan loss allowance to noncurrent loans | 17.8713% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 1.9476% | 559 |
| Noncurrent loans to loans | 2.5631% | 503 |
| Net loans and leases to total assets | 75.6369% | 1,690 |
| Net loans and leases to deposits | 96.7492% | 1,063 |
| Net loans and leases to core deposits | 98.5427% | 1,854 |
| Total domestic deposits to total assets | 78.1783% | 4,557 |
| Equity capital to assets | 18.0549% | 320 |
| Core capital (leverage) ratio | 17.4287% | 352 |
| Tier 1 risk-based capital ratio | 21.7247% | 1,075 |
| Total risk-based capital ratio | 22.1615% | 1,164 |
| Memoranda: | ||
| Average total assets | $727,503,670 | 1,024 |
| Average earning assets | $674,787,670 | 1,026 |
| Average equity | $128,656,000 | 669 |
| Average total loans | $545,476,000 | 966 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 1,322 |
| Cost of funding earning assets | 0.3008% | 4,350 |
| Net interest margin | 4.3929% | 779 |
| Noninterest income to average assets | 0.4599% | 3,056 |
| Noninterest expense to average assets | 1.8726% | 5,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.6697% | 112 |
| Return on assets (ROA) | 2.6697% | 113 |
| Pretax return on assets | 2.6697% | 165 |
| Return on Equity (ROE) | 15.2543% | 763 |
| Retained earnings to average equity (ytd only) | 15.2543% | 307 |
| Net charge-offs to loans | -0.2613% | 5,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2262% | 5,424 |
| Assets per employee ($millions) | 7.3668% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4631% | 5,375 |
| Loan loss allowance to noncurrent loans | 124.3697% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 3,475 |
| Noncurrent loans to loans | 0.3724% | 3,447 |
| Net loans and leases to total assets | 73.4030% | 1,965 |
| Net loans and leases to deposits | 93.7225% | 1,253 |
| Net loans and leases to core deposits | 95.8486% | 1,989 |
| Total domestic deposits to total assets | 78.3195% | 4,683 |
| Equity capital to assets | 17.6653% | 341 |
| Core capital (leverage) ratio | 17.6183% | 331 |
| Tier 1 risk-based capital ratio | 21.8830% | 1,068 |
| Total risk-based capital ratio | 22.3242% | 1,166 |
| Memoranda: | ||
| Average total assets | $729,681,500 | 1,032 |
| Average earning assets | $678,100,000 | 1,026 |
| Average equity | $127,702,000 | 670 |
| Average total loans | $543,472,000 | 974 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 1,271 |
| Cost of funding earning assets | 0.2607% | 4,476 |
| Net interest margin | 4.4053% | 756 |
| Noninterest income to average assets | 0.6176% | 2,366 |
| Noninterest expense to average assets | 1.8585% | 5,181 |
| Loan and lease loss provision to assets | 0.0052% | 4,154 |
| Net operating income to assets | 2.8209% | 86 |
| Return on assets (ROA) | 2.8209% | 84 |
| Pretax return on assets | 2.8209% | 115 |
| Return on Equity (ROE) | 16.5476% | 429 |
| Retained earnings to average equity (ytd only) | 8.5063% | 618 |
| Net charge-offs to loans | 0.0073% | 3,815 |
| Credit loss provision to net charge-offs | 94.8718% | 2,704 |
| Earnings coverage of net charge-offs (x) | 512.7692% | 169 |
| Efficiency ratio | 39.6724% | 5,531 |
| Assets per employee ($millions) | 7.2268% | 873 |
| Cash dividends to net income (ytd only)* | 48.5948% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3975% | 5,489 |
| Loan loss allowance to noncurrent loans | 251.2791% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 4,193 |
| Noncurrent loans to loans | 0.1582% | 4,294 |
| Net loans and leases to total assets | 74.9321% | 1,763 |
| Net loans and leases to deposits | 96.7409% | 1,020 |
| Net loans and leases to core deposits | 98.7595% | 1,808 |
| Total domestic deposits to total assets | 77.4564% | 4,800 |
| Equity capital to assets | 17.3337% | 369 |
| Core capital (leverage) ratio | 16.6476% | 396 |
| Tier 1 risk-based capital ratio | 21.1493% | 1,125 |
| Total risk-based capital ratio | 21.5305% | 1,234 |
| Memoranda: | ||
| Average total assets | $707,605,600 | 1,034 |
| Average earning assets | $653,288,400 | 1,028 |
| Average equity | $120,628,000 | 681 |
| Average total loans | $531,646,400 | 964 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 1,334 |
| Cost of funding earning assets | 0.2556% | 4,516 |
| Net interest margin | 4.3575% | 808 |
| Noninterest income to average assets | 0.6369% | 2,272 |
| Noninterest expense to average assets | 1.8311% | 5,234 |
| Loan and lease loss provision to assets | 0.0078% | 3,976 |
| Net operating income to assets | 2.8152% | 94 |
| Return on assets (ROA) | 2.8152% | 95 |
| Pretax return on assets | 2.8152% | 134 |
| Return on Equity (ROE) | 16.5853% | 475 |
| Retained earnings to average equity (ytd only) | 8.6615% | 960 |
| Net charge-offs to loans | 0.0053% | 3,544 |
| Credit loss provision to net charge-offs | 195.2381% | 1,367 |
| Earnings coverage of net charge-offs (x) | 709.6014% | 144 |
| Efficiency ratio | 39.3439% | 5,596 |
| Assets per employee ($millions) | 7.2505% | 849 |
| Cash dividends to net income (ytd only)* | 47.7761% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4041% | 5,559 |
| Loan loss allowance to noncurrent loans | 1,495.2055% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 4,796 |
| Noncurrent loans to loans | 0.0270% | 5,002 |
| Net loans and leases to total assets | 74.2081% | 1,883 |
| Net loans and leases to deposits | 96.3246% | 1,088 |
| Net loans and leases to core deposits | 97.8370% | 1,900 |
| Total domestic deposits to total assets | 77.0397% | 4,883 |
| Equity capital to assets | 16.9323% | 439 |
| Core capital (leverage) ratio | 16.7622% | 402 |
| Tier 1 risk-based capital ratio | 20.6299% | 1,259 |
| Total risk-based capital ratio | 21.0135% | 1,381 |
| Memoranda: | ||
| Average total assets | $703,836,750 | 1,046 |
| Average earning assets | $648,851,000 | 1,042 |
| Average equity | $119,468,250 | 692 |
| Average total loans | $528,637,750 | 972 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5697% | 1,331 |
| Cost of funding earning assets | 0.2489% | 4,550 |
| Net interest margin | 4.3208% | 812 |
| Noninterest income to average assets | 0.6312% | 2,310 |
| Noninterest expense to average assets | 1.8477% | 5,261 |
| Loan and lease loss provision to assets | -0.0040% | 5,523 |
| Net operating income to assets | 2.7688% | 96 |
| Return on assets (ROA) | 2.7688% | 98 |
| Pretax return on assets | 2.7688% | 144 |
| Return on Equity (ROE) | 16.2982% | 492 |
| Retained earnings to average equity (ytd only) | 9.3707% | 738 |
| Net charge-offs to loans | -0.0053% | 4,353 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0585% | 5,629 |
| Assets per employee ($millions) | 6.9534% | 954 |
| Cash dividends to net income (ytd only)* | 42.5047% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4100% | 5,603 |
| Loan loss allowance to noncurrent loans | 675.9375% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 2,866 |
| Noncurrent loans to loans | 0.0607% | 4,882 |
| Net loans and leases to total assets | 75.5644% | 1,599 |
| Net loans and leases to deposits | 100.3369% | 711 |
| Net loans and leases to core deposits | 102.0968% | 1,502 |
| Total domestic deposits to total assets | 75.3107% | 5,168 |
| Equity capital to assets | 17.3371% | 380 |
| Core capital (leverage) ratio | 16.7291% | 392 |
| Tier 1 risk-based capital ratio | 20.7885% | 1,227 |
| Total risk-based capital ratio | 21.1789% | 1,345 |
| Memoranda: | ||
| Average total assets | $696,767,000 | 1,054 |
| Average earning assets | $642,006,670 | 1,056 |
| Average equity | $118,368,670 | 700 |
| Average total loans | $524,775,000 | 979 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4501% | 1,498 |
| Cost of funding earning assets | 0.2309% | 4,709 |
| Net interest margin | 4.2192% | 950 |
| Noninterest income to average assets | 0.5167% | 2,858 |
| Noninterest expense to average assets | 1.8077% | 5,367 |
| Loan and lease loss provision to assets | -0.0080% | 5,652 |
| Net operating income to assets | 2.6048% | 119 |
| Return on assets (ROA) | 2.6048% | 123 |
| Pretax return on assets | 2.6048% | 188 |
| Return on Equity (ROE) | 15.4915% | 594 |
| Retained earnings to average equity (ytd only) | 15.4915% | 217 |
| Net charge-offs to loans | -0.0107% | 4,459 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0417% | 5,669 |
| Assets per employee ($millions) | 7.0853% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4194% | 5,672 |
| Loan loss allowance to noncurrent loans | 2,021.4953% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 3,077 |
| Noncurrent loans to loans | 0.0207% | 5,142 |
| Net loans and leases to total assets | 73.9701% | 1,749 |
| Net loans and leases to deposits | 97.9907% | 775 |
| Net loans and leases to core deposits | 99.7317% | 1,523 |
| Total domestic deposits to total assets | 75.4869% | 5,290 |
| Equity capital to assets | 17.2169% | 365 |
| Core capital (leverage) ratio | 16.6312% | 395 |
| Tier 1 risk-based capital ratio | 21.1019% | 1,209 |
| Total risk-based capital ratio | 21.5017% | 1,308 |
| Memoranda: | ||
| Average total assets | $697,479,500 | 1,057 |
| Average earning assets | $642,688,500 | 1,057 |
| Average equity | $117,277,000 | 701 |
| Average total loans | $523,365,500 | 981 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 1,641 |
| Cost of funding earning assets | 0.2189% | 4,843 |
| Net interest margin | 4.2492% | 1,015 |
| Noninterest income to average assets | 0.5973% | 2,680 |
| Noninterest expense to average assets | 1.8578% | 5,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.6611% | 113 |
| Return on assets (ROA) | 2.6611% | 114 |
| Pretax return on assets | 2.6611% | 157 |
| Return on Equity (ROE) | 16.6277% | 443 |
| Retained earnings to average equity (ytd only) | 6.1090% | 1,650 |
| Net charge-offs to loans | -0.0002% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1119% | 5,767 |
| Assets per employee ($millions) | 7.2226% | 831 |
| Cash dividends to net income (ytd only)* | 63.2603% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4074% | 5,731 |
| Loan loss allowance to noncurrent loans | 769.7509% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 3,056 |
| Noncurrent loans to loans | 0.0529% | 5,033 |
| Net loans and leases to total assets | 75.4763% | 1,605 |
| Net loans and leases to deposits | 99.6771% | 687 |
| Net loans and leases to core deposits | 101.3532% | 1,500 |
| Total domestic deposits to total assets | 75.7208% | 5,269 |
| Equity capital to assets | 16.4155% | 444 |
| Core capital (leverage) ratio | 15.7553% | 492 |
| Tier 1 risk-based capital ratio | 19.8193% | 1,413 |
| Total risk-based capital ratio | 20.2103% | 1,576 |
| Memoranda: | ||
| Average total assets | $695,004,800 | 1,025 |
| Average earning assets | $641,442,800 | 1,016 |
| Average equity | $111,229,800 | 720 |
| Average total loans | $511,578,400 | 959 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 1,754 |
| Cost of funding earning assets | 0.2159% | 4,914 |
| Net interest margin | 4.2153% | 1,089 |
| Noninterest income to average assets | 0.5996% | 2,661 |
| Noninterest expense to average assets | 1.8342% | 5,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.6568% | 129 |
| Return on assets (ROA) | 2.6568% | 132 |
| Pretax return on assets | 2.6568% | 178 |
| Return on Equity (ROE) | 16.7089% | 472 |
| Retained earnings to average equity (ytd only) | 4.9821% | 2,843 |
| Net charge-offs to loans | -0.0005% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8424% | 5,813 |
| Assets per employee ($millions) | 7.2482% | 804 |
| Cash dividends to net income (ytd only)* | 70.1831% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4206% | 5,786 |
| Loan loss allowance to noncurrent loans | 149.9653% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.7286% | 2,735 |
| Noncurrent loans to loans | 0.2805% | 4,259 |
| Net loans and leases to total assets | 73.6322% | 1,935 |
| Net loans and leases to deposits | 96.6286% | 985 |
| Net loans and leases to core deposits | 98.0349% | 1,808 |
| Total domestic deposits to total assets | 76.2012% | 5,208 |
| Equity capital to assets | 16.1436% | 530 |
| Core capital (leverage) ratio | 15.5607% | 548 |
| Tier 1 risk-based capital ratio | 19.6150% | 1,521 |
| Total risk-based capital ratio | 20.0119% | 1,689 |
| Memoranda: | ||
| Average total assets | $693,607,000 | 1,032 |
| Average earning assets | $640,319,750 | 1,023 |
| Average equity | $110,285,750 | 728 |
| Average total loans | $506,736,250 | 969 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 1,851 |
| Cost of funding earning assets | 0.2098% | 5,045 |
| Net interest margin | 4.1827% | 1,155 |
| Noninterest income to average assets | 0.5767% | 2,742 |
| Noninterest expense to average assets | 1.8292% | 5,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.6083% | 136 |
| Return on assets (ROA) | 2.6083% | 135 |
| Pretax return on assets | 2.6083% | 188 |
| Return on Equity (ROE) | 16.4885% | 484 |
| Retained earnings to average equity (ytd only) | 2.4379% | 4,334 |
| Net charge-offs to loans | -0.0012% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2216% | 5,884 |
| Assets per employee ($millions) | 7.2344% | 791 |
| Cash dividends to net income (ytd only)* | 85.2147% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4311% | 5,860 |
| Loan loss allowance to noncurrent loans | 94.4178% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.8614% | 2,442 |
| Noncurrent loans to loans | 0.4566% | 3,733 |
| Net loans and leases to total assets | 72.7596% | 2,046 |
| Net loans and leases to deposits | 97.1628% | 951 |
| Net loans and leases to core deposits | 98.6792% | 1,756 |
| Total domestic deposits to total assets | 74.8843% | 5,426 |
| Equity capital to assets | 15.9395% | 554 |
| Core capital (leverage) ratio | 15.2882% | 555 |
| Tier 1 risk-based capital ratio | 19.6029% | 1,537 |
| Total risk-based capital ratio | 20.0103% | 1,705 |
| Memoranda: | ||
| Average total assets | $692,866,330 | 1,034 |
| Average earning assets | $639,535,330 | 1,026 |
| Average equity | $109,603,670 | 734 |
| Average total loans | $504,142,330 | 973 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3302% | 2,030 |
| Cost of funding earning assets | 0.2061% | 5,147 |
| Net interest margin | 4.1241% | 1,280 |
| Noninterest income to average assets | 0.4905% | 3,194 |
| Noninterest expense to average assets | 1.8026% | 5,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.4966% | 157 |
| Return on assets (ROA) | 2.4966% | 162 |
| Pretax return on assets | 2.4966% | 239 |
| Return on Equity (ROE) | 15.8421% | 553 |
| Retained earnings to average equity (ytd only) | 10.3692% | 771 |
| Net charge-offs to loans | -0.0024% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9286% | 5,923 |
| Assets per employee ($millions) | 7.4282% | 733 |
| Cash dividends to net income (ytd only)* | 34.5463% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4287% | 5,928 |
| Loan loss allowance to noncurrent loans | 89.6852% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 2,535 |
| Noncurrent loans to loans | 0.4780% | 3,748 |
| Net loans and leases to total assets | 72.0154% | 2,036 |
| Net loans and leases to deposits | 93.4888% | 1,195 |
| Net loans and leases to core deposits | 94.9338% | 1,894 |
| Total domestic deposits to total assets | 77.0311% | 5,283 |
| Equity capital to assets | 15.9044% | 543 |
| Core capital (leverage) ratio | 15.3438% | 554 |
| Tier 1 risk-based capital ratio | 19.9629% | 1,503 |
| Total risk-based capital ratio | 20.3719% | 1,666 |
| Memoranda: | ||
| Average total assets | $695,666,000 | 1,033 |
| Average earning assets | $642,471,000 | 1,022 |
| Average equity | $109,632,000 | 741 |
| Average total loans | $505,104,500 | 971 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 2,051 |
| Cost of funding earning assets | 0.2113% | 5,180 |
| Net interest margin | 4.1410% | 1,305 |
| Noninterest income to average assets | 1.0328% | 1,107 |
| Noninterest expense to average assets | 1.8337% | 5,697 |
| Loan and lease loss provision to assets | 0.0876% | 2,546 |
| Net operating income to assets | 2.9219% | 93 |
| Return on assets (ROA) | 2.9219% | 92 |
| Pretax return on assets | 2.9219% | 120 |
| Return on Equity (ROE) | 18.9453% | 315 |
| Retained earnings to average equity (ytd only) | 9.2397% | 600 |
| Net charge-offs to loans | 0.1218% | 2,156 |
| Credit loss provision to net charge-offs | 99.8294% | 2,558 |
| Earnings coverage of net charge-offs (x) | 34.3089% | 1,320 |
| Efficiency ratio | 37.8612% | 6,094 |
| Assets per employee ($millions) | 7.2956% | 786 |
| Cash dividends to net income (ytd only)* | 51.2295% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4280% | 5,976 |
| Loan loss allowance to noncurrent loans | 53.3564% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 1.1080% | 1,979 |
| Noncurrent loans to loans | 0.8021% | 2,783 |
| Net loans and leases to total assets | 72.5793% | 1,958 |
| Net loans and leases to deposits | 93.1373% | 1,297 |
| Net loans and leases to core deposits | 94.5769% | 1,990 |
| Total domestic deposits to total assets | 77.9272% | 5,179 |
| Equity capital to assets | 15.6131% | 578 |
| Core capital (leverage) ratio | 15.6006% | 521 |
| Tier 1 risk-based capital ratio | 19.2888% | 1,631 |
| Total risk-based capital ratio | 19.6943% | 1,792 |
| Memoranda: | ||
| Average total assets | $668,066,200 | 1,027 |
| Average earning assets | $614,710,400 | 1,024 |
| Average equity | $103,033,400 | 751 |
| Average total loans | $481,291,800 | 967 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 2,112 |
| Cost of funding earning assets | 0.2121% | 5,268 |
| Net interest margin | 4.1266% | 1,330 |
| Noninterest income to average assets | 1.1880% | 861 |
| Noninterest expense to average assets | 1.7771% | 5,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 3.2059% | 80 |
| Return on assets (ROA) | 3.2059% | 79 |
| Pretax return on assets | 3.2059% | 106 |
| Return on Equity (ROE) | 20.8541% | 225 |
| Retained earnings to average equity (ytd only) | 7.7490% | 1,360 |
| Net charge-offs to loans | 0.0008% | 4,168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5,304.2000% | 8 |
| Efficiency ratio | 35.6635% | 6,187 |
| Assets per employee ($millions) | 7.2346% | 783 |
| Cash dividends to net income (ytd only)* | 62.8417% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4483% | 6,054 |
| Loan loss allowance to noncurrent loans | 78.5740% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 0.9743% | 2,410 |
| Noncurrent loans to loans | 0.5705% | 3,626 |
| Net loans and leases to total assets | 71.2935% | 2,176 |
| Net loans and leases to deposits | 92.2551% | 1,377 |
| Net loans and leases to core deposits | 93.7447% | 2,101 |
| Total domestic deposits to total assets | 77.2786% | 5,302 |
| Equity capital to assets | 15.4330% | 656 |
| Core capital (leverage) ratio | 14.8607% | 663 |
| Tier 1 risk-based capital ratio | 19.0265% | 1,769 |
| Total risk-based capital ratio | 19.4439% | 1,948 |
| Memoranda: | ||
| Average total assets | $661,813,000 | 1,044 |
| Average earning assets | $608,617,500 | 1,039 |
| Average equity | $101,739,000 | 763 |
| Average total loans | $475,316,250 | 978 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3074% | 2,148 |
| Cost of funding earning assets | 0.2102% | 5,353 |
| Net interest margin | 4.0973% | 1,360 |
| Noninterest income to average assets | 1.5109% | 562 |
| Noninterest expense to average assets | 1.7446% | 5,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 3.5284% | 70 |
| Return on assets (ROA) | 3.5284% | 71 |
| Pretax return on assets | 3.5284% | 94 |
| Return on Equity (ROE) | 22.9830% | 162 |
| Retained earnings to average equity (ytd only) | 13.2858% | 283 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.0855% | 6,280 |
| Assets per employee ($millions) | 7.2638% | 743 |
| Cash dividends to net income (ytd only)* | 42.1927% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4438% | 6,136 |
| Loan loss allowance to noncurrent loans | 71.5278% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 1.0470% | 2,411 |
| Noncurrent loans to loans | 0.6205% | 3,609 |
| Net loans and leases to total assets | 73.4070% | 1,755 |
| Net loans and leases to deposits | 96.6790% | 898 |
| Net loans and leases to core deposits | 98.3477% | 1,625 |
| Total domestic deposits to total assets | 75.9287% | 5,605 |
| Equity capital to assets | 15.8298% | 546 |
| Core capital (leverage) ratio | 15.3225% | 574 |
| Tier 1 risk-based capital ratio | 19.0499% | 1,781 |
| Total risk-based capital ratio | 19.4650% | 1,967 |
| Memoranda: | ||
| Average total assets | $658,145,330 | 1,051 |
| Average earning assets | $604,306,670 | 1,053 |
| Average equity | $101,040,000 | 770 |
| Average total loans | $473,143,670 | 982 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1998% | 2,457 |
| Cost of funding earning assets | 0.2063% | 5,456 |
| Net interest margin | 3.9935% | 1,580 |
| Noninterest income to average assets | 0.5549% | 2,923 |
| Noninterest expense to average assets | 1.7018% | 6,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.5204% | 150 |
| Return on assets (ROA) | 2.5204% | 159 |
| Pretax return on assets | 2.5204% | 233 |
| Return on Equity (ROE) | 16.6783% | 500 |
| Retained earnings to average equity (ytd only) | 10.6366% | 785 |
| Net charge-offs to loans | -0.0009% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3058% | 6,263 |
| Assets per employee ($millions) | 7.0725% | 831 |
| Cash dividends to net income (ytd only)* | 36.2252% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4710% | 6,192 |
| Loan loss allowance to noncurrent loans | 69.3145% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.7174% | 1,455 |
| Noncurrent loans to loans | 0.6795% | 3,580 |
| Net loans and leases to total assets | 71.0491% | 1,974 |
| Net loans and leases to deposits | 90.0238% | 1,393 |
| Net loans and leases to core deposits | 91.7755% | 1,966 |
| Total domestic deposits to total assets | 78.9225% | 5,279 |
| Equity capital to assets | 15.6251% | 604 |
| Core capital (leverage) ratio | 14.7909% | 637 |
| Tier 1 risk-based capital ratio | 19.4354% | 1,754 |
| Total risk-based capital ratio | 19.4354% | 2,041 |
| Memoranda: | ||
| Average total assets | $656,717,000 | 1,055 |
| Average earning assets | $603,078,000 | 1,059 |
| Average equity | $99,242,500 | 780 |
| Average total loans | $466,023,000 | 993 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3859% | 2,268 |
| Cost of funding earning assets | 0.2227% | 5,572 |
| Net interest margin | 4.1632% | 1,400 |
| Noninterest income to average assets | 0.6336% | 2,654 |
| Noninterest expense to average assets | 2.0160% | 5,733 |
| Loan and lease loss provision to assets | 0.0186% | 4,242 |
| Net operating income to assets | 2.4154% | 166 |
| Return on assets (ROA) | 2.4154% | 169 |
| Pretax return on assets | 2.4154% | 223 |
| Return on Equity (ROE) | 14.3900% | 867 |
| Retained earnings to average equity (ytd only) | 7.4548% | 1,212 |
| Net charge-offs to loans | 0.0276% | 4,264 |
| Credit loss provision to net charge-offs | 92.8571% | 2,583 |
| Earnings coverage of net charge-offs (x) | 121.3482% | 435 |
| Efficiency ratio | 45.3034% | 6,290 |
| Assets per employee ($millions) | 7.4427% | 681 |
| Cash dividends to net income (ytd only)* | 48.1946% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4577% | 6,292 |
| Loan loss allowance to noncurrent loans | 34.6468% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 2.1199% | 1,166 |
| Noncurrent loans to loans | 1.3209% | 2,232 |
| Net loans and leases to total assets | 70.2334% | 2,199 |
| Net loans and leases to deposits | 86.8002% | 1,870 |
| Net loans and leases to core deposits | 88.3845% | 2,458 |
| Total domestic deposits to total assets | 80.9138% | 4,768 |
| Equity capital to assets | 14.6188% | 778 |
| Core capital (leverage) ratio | 14.2344% | 765 |
| Tier 1 risk-based capital ratio | 18.4464% | 2,003 |
| Total risk-based capital ratio | 18.8775% | 2,239 |
| Memoranda: | ||
| Average total assets | $558,385,200 | 1,190 |
| Average earning assets | $511,869,400 | 1,197 |
| Average equity | $93,724,800 | 784 |
| Average total loans | $405,635,400 | 1,084 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 2,352 |
| Cost of funding earning assets | 0.2271% | 5,619 |
| Net interest margin | 4.1416% | 1,460 |
| Noninterest income to average assets | 0.6296% | 2,692 |
| Noninterest expense to average assets | 1.8608% | 6,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.5589% | 133 |
| Return on assets (ROA) | 2.5589% | 134 |
| Pretax return on assets | 2.5589% | 192 |
| Return on Equity (ROE) | 14.6486% | 885 |
| Retained earnings to average equity (ytd only) | 5.2972% | 2,883 |
| Net charge-offs to loans | 0.0024% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,455.0547% | 41 |
| Efficiency ratio | 42.1017% | 6,415 |
| Assets per employee ($millions) | 7.2066% | 735 |
| Cash dividends to net income (ytd only)* | 63.8381% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4918% | 6,348 |
| Loan loss allowance to noncurrent loans | 69.8065% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.7132% | 1,754 |
| Noncurrent loans to loans | 0.7045% | 3,847 |
| Net loans and leases to total assets | 68.2730% | 2,485 |
| Net loans and leases to deposits | 84.9950% | 2,028 |
| Net loans and leases to core deposits | 86.6547% | 2,591 |
| Total domestic deposits to total assets | 80.3259% | 5,005 |
| Equity capital to assets | 14.7521% | 789 |
| Core capital (leverage) ratio | 17.2318% | 349 |
| Tier 1 risk-based capital ratio | 18.9523% | 1,916 |
| Total risk-based capital ratio | 19.4119% | 2,119 |
| Memoranda: | ||
| Average total assets | $530,521,250 | 1,271 |
| Average earning assets | $485,495,000 | 1,274 |
| Average equity | $92,675,250 | 797 |
| Average total loans | $388,890,500 | 1,134 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6003% | 1,532 |
| Cost of funding earning assets | 0.2416% | 5,568 |
| Net interest margin | 4.3587% | 925 |
| Noninterest income to average assets | 0.6714% | 2,422 |
| Noninterest expense to average assets | 1.9677% | 5,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.6955% | 118 |
| Return on assets (ROA) | 2.6955% | 119 |
| Pretax return on assets | 2.6955% | 159 |
| Return on Equity (ROE) | 14.4565% | 880 |
| Retained earnings to average equity (ytd only) | 3.5902% | 3,905 |
| Net charge-offs to loans | 0.0043% | 4,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 831.5000% | 79 |
| Efficiency ratio | 42.1967% | 6,475 |
| Assets per employee ($millions) | 6.4310% | 1,045 |
| Cash dividends to net income (ytd only)* | 75.1654% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5549% | 6,359 |
| Loan loss allowance to noncurrent loans | 80.2597% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 2.0854% | 1,503 |
| Noncurrent loans to loans | 0.6914% | 3,989 |
| Net loans and leases to total assets | 76.2955% | 1,128 |
| Net loans and leases to deposits | 102.3992% | 425 |
| Net loans and leases to core deposits | 104.2528% | 998 |
| Total domestic deposits to total assets | 74.5079% | 6,063 |
| Equity capital to assets | 18.2243% | 317 |
| Core capital (leverage) ratio | 18.9661% | 244 |
| Tier 1 risk-based capital ratio | 22.4852% | 1,193 |
| Total risk-based capital ratio | 23.0105% | 1,274 |
| Memoranda: | ||
| Average total assets | $493,565,670 | 1,360 |
| Average earning assets | $452,010,330 | 1,363 |
| Average equity | $92,027,670 | 794 |
| Average total loans | $371,834,330 | 1,187 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 1,951 |
| Cost of funding earning assets | 0.2370% | 5,697 |
| Net interest margin | 4.2152% | 1,173 |
| Noninterest income to average assets | 0.6695% | 2,346 |
| Noninterest expense to average assets | 1.9625% | 5,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.5687% | 140 |
| Return on assets (ROA) | 2.5687% | 144 |
| Pretax return on assets | 2.5687% | 203 |
| Return on Equity (ROE) | 13.6156% | 1,014 |
| Retained earnings to average equity (ytd only) | 7.0759% | 2,006 |
| Net charge-offs to loans | 0.0055% | 3,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 624.6000% | 53 |
| Efficiency ratio | 43.3109% | 6,514 |
| Assets per employee ($millions) | 6.2252% | 1,165 |
| Cash dividends to net income (ytd only)* | 48.0307% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6010% | 6,407 |
| Loan loss allowance to noncurrent loans | 61.6918% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 2.4535% | 1,309 |
| Noncurrent loans to loans | 0.9742% | 3,479 |
| Net loans and leases to total assets | 72.8456% | 1,443 |
| Net loans and leases to deposits | 97.0076% | 597 |
| Net loans and leases to core deposits | 99.2366% | 1,154 |
| Total domestic deposits to total assets | 75.0927% | 6,147 |
| Equity capital to assets | 18.8209% | 268 |
| Core capital (leverage) ratio | 19.2162% | 238 |
| Tier 1 risk-based capital ratio | 24.1817% | 974 |
| Total risk-based capital ratio | 24.7476% | 1,055 |
| Memoranda: | ||
| Average total assets | $486,324,500 | 1,390 |
| Average earning assets | $445,531,500 | 1,387 |
| Average equity | $91,747,500 | 797 |
| Average total loans | $362,861,000 | 1,222 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5650% | 1,979 |
| Cost of funding earning assets | 0.2326% | 6,077 |
| Net interest margin | 4.3323% | 1,029 |
| Noninterest income to average assets | 0.8513% | 1,862 |
| Noninterest expense to average assets | 2.1389% | 5,750 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.6780% | 145 |
| Return on assets (ROA) | 2.6780% | 144 |
| Pretax return on assets | 2.6780% | 164 |
| Return on Equity (ROE) | 14.6660% | 816 |
| Retained earnings to average equity (ytd only) | 11.1747% | 399 |
| Net charge-offs to loans | 0.0006% | 5,468 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 6,301.0000% | 4 |
| Efficiency ratio | 44.4038% | 6,605 |
| Assets per employee ($millions) | 6.0868% | 1,215 |
| Cash dividends to net income (ytd only)* | 23.8057% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5943% | 6,480 |
| Loan loss allowance to noncurrent loans | 50.3012% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 2.9231% | 1,089 |
| Noncurrent loans to loans | 1.1815% | 3,181 |
| Net loans and leases to total assets | 75.5185% | 1,144 |
| Net loans and leases to deposits | 97.6936% | 608 |
| Net loans and leases to core deposits | 99.9945% | 1,161 |
| Total domestic deposits to total assets | 77.3013% | 5,932 |
| Equity capital to assets | 18.9111% | 270 |
| Core capital (leverage) ratio | 19.5293% | 222 |
| Tier 1 risk-based capital ratio | 23.4134% | 1,032 |
| Total risk-based capital ratio | 23.9724% | 1,119 |
| Memoranda: | ||
| Average total assets | $470,575,000 | 1,405 |
| Average earning assets | $430,736,400 | 1,415 |
| Average equity | $85,926,400 | 831 |
| Average total loans | $344,525,200 | 1,243 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 2,058 |
| Cost of funding earning assets | 0.2401% | 6,155 |
| Net interest margin | 4.3049% | 1,083 |
| Noninterest income to average assets | 0.8957% | 1,771 |
| Noninterest expense to average assets | 2.0751% | 5,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.7637% | 135 |
| Return on assets (ROA) | 2.7637% | 140 |
| Pretax return on assets | 2.7637% | 174 |
| Return on Equity (ROE) | 15.2755% | 755 |
| Retained earnings to average equity (ytd only) | 10.5516% | 675 |
| Net charge-offs to loans | 0.0063% | 5,048 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 606.3919% | 91 |
| Efficiency ratio | 42.8849% | 6,685 |
| Assets per employee ($millions) | 5.9581% | 1,264 |
| Cash dividends to net income (ytd only)* | 30.9247% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6196% | 6,538 |
| Loan loss allowance to noncurrent loans | 61.7875% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 2.8546% | 1,301 |
| Noncurrent loans to loans | 1.0029% | 3,804 |
| Net loans and leases to total assets | 73.4976% | 1,369 |
| Net loans and leases to deposits | 95.0189% | 761 |
| Net loans and leases to core deposits | 97.0341% | 1,317 |
| Total domestic deposits to total assets | 77.3505% | 5,998 |
| Equity capital to assets | 18.7036% | 279 |
| Core capital (leverage) ratio | 19.0707% | 236 |
| Tier 1 risk-based capital ratio | 23.6912% | 1,045 |
| Total risk-based capital ratio | 24.2717% | 1,127 |
| Memoranda: | ||
| Average total assets | $468,003,500 | 1,419 |
| Average earning assets | $428,681,750 | 1,429 |
| Average equity | $84,674,000 | 847 |
| Average total loans | $339,329,000 | 1,259 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 2,219 |
| Cost of funding earning assets | 0.2462% | 6,199 |
| Net interest margin | 4.2487% | 1,144 |
| Noninterest income to average assets | 0.8769% | 1,904 |
| Noninterest expense to average assets | 2.0197% | 6,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.7578% | 135 |
| Return on assets (ROA) | 2.7578% | 141 |
| Pretax return on assets | 2.7578% | 191 |
| Return on Equity (ROE) | 15.4176% | 746 |
| Retained earnings to average equity (ytd only) | 8.2366% | 1,390 |
| Net charge-offs to loans | -0.0018% | 5,524 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2746% | 6,748 |
| Assets per employee ($millions) | 5.9325% | 1,251 |
| Cash dividends to net income (ytd only)* | 46.5766% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6420% | 6,565 |
| Loan loss allowance to noncurrent loans | 31.5591% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 3.6473% | 1,023 |
| Noncurrent loans to loans | 2.0343% | 2,363 |
| Net loans and leases to total assets | 72.7758% | 1,440 |
| Net loans and leases to deposits | 93.6745% | 829 |
| Net loans and leases to core deposits | 95.5852% | 1,390 |
| Total domestic deposits to total assets | 77.6901% | 6,035 |
| Equity capital to assets | 18.3205% | 296 |
| Core capital (leverage) ratio | 18.4273% | 257 |
| Tier 1 risk-based capital ratio | 23.2629% | 1,095 |
| Total risk-based capital ratio | 23.8600% | 1,178 |
| Memoranda: | ||
| Average total assets | $467,109,330 | 1,422 |
| Average earning assets | $428,835,330 | 1,425 |
| Average equity | $83,553,670 | 857 |
| Average total loans | $336,405,330 | 1,266 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 2,494 |
| Cost of funding earning assets | 0.2530% | 6,272 |
| Net interest margin | 4.1560% | 1,310 |
| Noninterest income to average assets | 0.8609% | 1,895 |
| Noninterest expense to average assets | 1.9399% | 6,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.7428% | 126 |
| Return on assets (ROA) | 2.7428% | 133 |
| Pretax return on assets | 2.7428% | 200 |
| Return on Equity (ROE) | 15.5191% | 675 |
| Retained earnings to average equity (ytd only) | 15.5191% | 313 |
| Net charge-offs to loans | -0.0072% | 5,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4270% | 6,846 |
| Assets per employee ($millions) | 5.9431% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6620% | 6,640 |
| Loan loss allowance to noncurrent loans | 25.9590% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 3.0749% | 1,444 |
| Noncurrent loans to loans | 2.5501% | 2,023 |
| Net loans and leases to total assets | 70.5362% | 1,575 |
| Net loans and leases to deposits | 90.2368% | 945 |
| Net loans and leases to core deposits | 92.0998% | 1,495 |
| Total domestic deposits to total assets | 78.1679% | 6,093 |
| Equity capital to assets | 18.2395% | 316 |
| Core capital (leverage) ratio | 18.4584% | 262 |
| Tier 1 risk-based capital ratio | 23.9055% | 1,031 |
| Total risk-based capital ratio | 24.5215% | 1,097 |
| Memoranda: | ||
| Average total assets | $469,298,000 | 1,427 |
| Average earning assets | $431,566,000 | 1,426 |
| Average equity | $82,943,000 | 878 |
| Average total loans | $335,141,500 | 1,271 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6673% | 2,722 |
| Cost of funding earning assets | 0.3192% | 6,359 |
| Net interest margin | 4.3481% | 1,295 |
| Noninterest income to average assets | 0.8405% | 2,080 |
| Noninterest expense to average assets | 2.1314% | 6,062 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.6993% | 122 |
| Return on assets (ROA) | 2.6993% | 133 |
| Pretax return on assets | 2.6993% | 197 |
| Return on Equity (ROE) | 15.0575% | 804 |
| Retained earnings to average equity (ytd only) | 4.3537% | 3,165 |
| Net charge-offs to loans | 0.0530% | 5,188 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 73.3212% | 507 |
| Efficiency ratio | 44.1227% | 6,840 |
| Assets per employee ($millions) | 6.0901% | 1,224 |
| Cash dividends to net income (ytd only)* | 71.0861% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6370% | 6,713 |
| Loan loss allowance to noncurrent loans | 26.2218% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 2.9781% | 1,593 |
| Noncurrent loans to loans | 2.4293% | 2,187 |
| Net loans and leases to total assets | 71.3532% | 1,596 |
| Net loans and leases to deposits | 89.7489% | 1,094 |
| Net loans and leases to core deposits | 91.7490% | 1,652 |
| Total domestic deposits to total assets | 79.5032% | 5,785 |
| Equity capital to assets | 17.1218% | 398 |
| Core capital (leverage) ratio | 18.4306% | 258 |
| Tier 1 risk-based capital ratio | 22.6757% | 1,155 |
| Total risk-based capital ratio | 23.2815% | 1,227 |
| Memoranda: | ||
| Average total assets | $448,195,800 | 1,474 |
| Average earning assets | $411,305,400 | 1,466 |
| Average equity | $80,345,400 | 871 |
| Average total loans | $311,142,800 | 1,350 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7076% | 2,778 |
| Cost of funding earning assets | 0.3308% | 6,463 |
| Net interest margin | 4.3768% | 1,253 |
| Noninterest income to average assets | 0.8139% | 2,176 |
| Noninterest expense to average assets | 2.0258% | 6,315 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.8077% | 126 |
| Return on assets (ROA) | 2.8077% | 131 |
| Pretax return on assets | 2.8077% | 190 |
| Return on Equity (ROE) | 15.4756% | 821 |
| Retained earnings to average equity (ytd only) | 2.9913% | 4,761 |
| Net charge-offs to loans | 0.0536% | 4,901 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 76.2061% | 535 |
| Efficiency ratio | 41.9119% | 6,966 |
| Assets per employee ($millions) | 5.7093% | 1,449 |
| Cash dividends to net income (ytd only)* | 80.6712% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7168% | 6,731 |
| Loan loss allowance to noncurrent loans | 55.9455% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 2.3233% | 2,288 |
| Noncurrent loans to loans | 1.2812% | 3,901 |
| Net loans and leases to total assets | 68.9250% | 2,128 |
| Net loans and leases to deposits | 87.5860% | 1,402 |
| Net loans and leases to core deposits | 89.6182% | 2,038 |
| Total domestic deposits to total assets | 78.6941% | 5,935 |
| Equity capital to assets | 17.8821% | 373 |
| Core capital (leverage) ratio | 18.2528% | 285 |
| Tier 1 risk-based capital ratio | 23.7871% | 1,051 |
| Total risk-based capital ratio | 24.4490% | 1,118 |
| Memoranda: | ||
| Average total assets | $441,487,000 | 1,507 |
| Average earning assets | $405,465,000 | 1,507 |
| Average equity | $80,098,250 | 876 |
| Average total loans | $303,647,750 | 1,396 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6764% | 3,020 |
| Cost of funding earning assets | 0.3454% | 6,527 |
| Net interest margin | 4.3309% | 1,393 |
| Noninterest income to average assets | 0.8055% | 2,155 |
| Noninterest expense to average assets | 1.9954% | 6,445 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.7860% | 127 |
| Return on assets (ROA) | 2.7860% | 135 |
| Pretax return on assets | 2.7860% | 198 |
| Return on Equity (ROE) | 15.2816% | 893 |
| Retained earnings to average equity (ytd only) | 10.2974% | 891 |
| Net charge-offs to loans | 0.0676% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 60.1176% | 635 |
| Efficiency ratio | 41.7332% | 7,027 |
| Assets per employee ($millions) | 5.7021% | 1,439 |
| Cash dividends to net income (ytd only)* | 32.6158% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7124% | 6,815 |
| Loan loss allowance to noncurrent loans | 38.0401% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 2.7572% | 2,000 |
| Noncurrent loans to loans | 1.8729% | 3,112 |
| Net loans and leases to total assets | 70.0627% | 1,910 |
| Net loans and leases to deposits | 91.6627% | 986 |
| Net loans and leases to core deposits | 93.3132% | 1,662 |
| Total domestic deposits to total assets | 76.4353% | 6,404 |
| Equity capital to assets | 18.4296% | 312 |
| Core capital (leverage) ratio | 18.8988% | 246 |
| Tier 1 risk-based capital ratio | 24.7646% | 926 |
| Total risk-based capital ratio | 25.4401% | 975 |
| Memoranda: | ||
| Average total assets | $440,208,670 | 1,512 |
| Average earning assets | $404,117,670 | 1,509 |
| Average equity | $80,253,330 | 864 |
| Average total loans | $301,812,330 | 1,405 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6459% | 3,287 |
| Cost of funding earning assets | 0.3735% | 6,535 |
| Net interest margin | 4.2724% | 1,552 |
| Noninterest income to average assets | 0.8558% | 1,922 |
| Noninterest expense to average assets | 1.9245% | 6,600 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.8498% | 118 |
| Return on assets (ROA) | 2.8498% | 142 |
| Pretax return on assets | 2.8498% | 214 |
| Return on Equity (ROE) | 15.7187% | 846 |
| Retained earnings to average equity (ytd only) | 15.7187% | 386 |
| Net charge-offs to loans | 0.2015% | 2,910 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 20.9396% | 1,173 |
| Efficiency ratio | 40.3099% | 7,100 |
| Assets per employee ($millions) | 5.6226% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7483% | 6,821 |
| Loan loss allowance to noncurrent loans | 36.4590% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 2.8201% | 2,078 |
| Noncurrent loans to loans | 2.0525% | 3,085 |
| Net loans and leases to total assets | 66.2000% | 2,435 |
| Net loans and leases to deposits | 84.1732% | 1,644 |
| Net loans and leases to core deposits | 85.8374% | 2,309 |
| Total domestic deposits to total assets | 78.6473% | 6,157 |
| Equity capital to assets | 18.4595% | 307 |
| Core capital (leverage) ratio | 18.7600% | 252 |
| Tier 1 risk-based capital ratio | 25.8040% | 821 |
| Total risk-based capital ratio | 26.5017% | 861 |
| Memoranda: | ||
| Average total assets | $437,931,500 | 1,522 |
| Average earning assets | $401,647,000 | 1,515 |
| Average equity | $79,396,000 | 871 |
| Average total loans | $295,794,000 | 1,436 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9629% | 3,062 |
| Cost of funding earning assets | 0.4861% | 6,588 |
| Net interest margin | 4.4768% | 1,193 |
| Noninterest income to average assets | 0.1753% | 6,239 |
| Noninterest expense to average assets | 1.9411% | 6,776 |
| Loan and lease loss provision to assets | 0.3475% | 2,920 |
| Net operating income to assets | 1.9719% | 327 |
| Return on assets (ROA) | 1.9719% | 347 |
| Pretax return on assets | 1.9719% | 562 |
| Return on Equity (ROE) | 10.9357% | 1,715 |
| Retained earnings to average equity (ytd only) | 1.1407% | 5,322 |
| Net charge-offs to loans | 1.1498% | 1,481 |
| Credit loss provision to net charge-offs | 45.5512% | 5,519 |
| Earnings coverage of net charge-offs (x) | 3.0407% | 3,688 |
| Efficiency ratio | 45.5608% | 7,071 |
| Assets per employee ($millions) | 5.6065% | 1,525 |
| Cash dividends to net income (ytd only)* | 89.5689% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7817% | 6,779 |
| Loan loss allowance to noncurrent loans | 31.9836% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 3.1269% | 1,907 |
| Noncurrent loans to loans | 2.4442% | 2,689 |
| Net loans and leases to total assets | 67.8555% | 2,432 |
| Net loans and leases to deposits | 85.4686% | 1,733 |
| Net loans and leases to core deposits | 87.2329% | 2,469 |
| Total domestic deposits to total assets | 79.3924% | 5,897 |
| Equity capital to assets | 17.7991% | 359 |
| Core capital (leverage) ratio | 17.9229% | 301 |
| Tier 1 risk-based capital ratio | 24.6285% | 910 |
| Total risk-based capital ratio | 25.3682% | 943 |
| Memoranda: | ||
| Average total assets | $431,714,000 | 1,510 |
| Average earning assets | $393,946,400 | 1,513 |
| Average equity | $77,845,600 | 862 |
| Average total loans | $286,400,000 | 1,489 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0077% | 3,050 |
| Cost of funding earning assets | 0.5119% | 6,653 |
| Net interest margin | 4.4957% | 1,160 |
| Noninterest income to average assets | 0.6714% | 2,762 |
| Noninterest expense to average assets | 2.1215% | 6,468 |
| Loan and lease loss provision to assets | 0.2324% | 3,688 |
| Net operating income to assets | 2.4180% | 177 |
| Return on assets (ROA) | 2.4180% | 184 |
| Pretax return on assets | 2.4180% | 286 |
| Return on Equity (ROE) | 13.3659% | 1,191 |
| Retained earnings to average equity (ytd only) | 0.3066% | 5,858 |
| Net charge-offs to loans | 0.9580% | 1,678 |
| Credit loss provision to net charge-offs | 36.8550% | 5,301 |
| Earnings coverage of net charge-offs (x) | 4.2034% | 3,145 |
| Efficiency ratio | 44.4582% | 7,133 |
| Assets per employee ($millions) | 5.5563% | 1,539 |
| Cash dividends to net income (ytd only)* | 97.7063% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 6,279 |
| Loan loss allowance to noncurrent loans | 72.5650% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 3.0153% | 2,130 |
| Noncurrent loans to loans | 1.3754% | 4,232 |
| Net loans and leases to total assets | 65.1401% | 3,077 |
| Net loans and leases to deposits | 82.4787% | 2,262 |
| Net loans and leases to core deposits | 84.2097% | 3,034 |
| Total domestic deposits to total assets | 78.9781% | 5,988 |
| Equity capital to assets | 17.7960% | 417 |
| Core capital (leverage) ratio | 18.0871% | 317 |
| Tier 1 risk-based capital ratio | 24.3281% | 977 |
| Total risk-based capital ratio | 25.2258% | 999 |
| Memoranda: | ||
| Average total assets | $430,316,500 | 1,529 |
| Average earning assets | $392,481,750 | 1,521 |
| Average equity | $77,848,000 | 871 |
| Average total loans | $283,231,750 | 1,517 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 3,013 |
| Cost of funding earning assets | 0.5295% | 6,744 |
| Net interest margin | 4.5004% | 1,130 |
| Noninterest income to average assets | 0.6657% | 2,735 |
| Noninterest expense to average assets | 2.3951% | 5,859 |
| Loan and lease loss provision to assets | 0.1165% | 4,820 |
| Net operating income to assets | 2.2605% | 236 |
| Return on assets (ROA) | 2.2605% | 252 |
| Pretax return on assets | 2.2605% | 375 |
| Return on Equity (ROE) | 12.4270% | 1,364 |
| Retained earnings to average equity (ytd only) | 4.1030% | 3,586 |
| Net charge-offs to loans | 0.8811% | 1,759 |
| Credit loss provision to net charge-offs | 20.0803% | 5,132 |
| Earnings coverage of net charge-offs (x) | 4.0980% | 2,964 |
| Efficiency ratio | 50.1904% | 6,926 |
| Assets per employee ($millions) | 5.4234% | 1,633 |
| Cash dividends to net income (ytd only)* | 66.9827% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 5,984 |
| Loan loss allowance to noncurrent loans | 79.3924% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 3.1469% | 2,136 |
| Noncurrent loans to loans | 1.3783% | 4,344 |
| Net loans and leases to total assets | 66.1582% | 2,999 |
| Net loans and leases to deposits | 84.9820% | 1,949 |
| Net loans and leases to core deposits | 86.8218% | 2,779 |
| Total domestic deposits to total assets | 77.8497% | 6,315 |
| Equity capital to assets | 18.3335% | 357 |
| Core capital (leverage) ratio | 18.1814% | 312 |
| Tier 1 risk-based capital ratio | 24.9211% | 911 |
| Total risk-based capital ratio | 25.9160% | 916 |
| Memoranda: | ||
| Average total assets | $429,290,330 | 1,537 |
| Average earning assets | $391,698,670 | 1,537 |
| Average equity | $78,088,330 | 869 |
| Average total loans | $282,589,000 | 1,538 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0464% | 2,877 |
| Cost of funding earning assets | 0.5466% | 6,814 |
| Net interest margin | 4.4998% | 1,074 |
| Noninterest income to average assets | 0.6721% | 2,716 |
| Noninterest expense to average assets | 2.0237% | 6,794 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.7637% | 137 |
| Return on assets (ROA) | 2.7637% | 142 |
| Pretax return on assets | 2.7637% | 187 |
| Return on Equity (ROE) | 15.2535% | 781 |
| Retained earnings to average equity (ytd only) | 9.3453% | 1,280 |
| Net charge-offs to loans | 0.2181% | 3,213 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 19.4052% | 1,141 |
| Efficiency ratio | 42.2710% | 7,339 |
| Assets per employee ($millions) | 5.5365% | 1,539 |
| Cash dividends to net income (ytd only)* | 38.7336% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 4,507 |
| Loan loss allowance to noncurrent loans | 83.4837% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 3.2618% | 2,106 |
| Noncurrent loans to loans | 1.7177% | 3,924 |
| Net loans and leases to total assets | 63.3151% | 3,582 |
| Net loans and leases to deposits | 80.7606% | 2,562 |
| Net loans and leases to core deposits | 82.6259% | 3,364 |
| Total domestic deposits to total assets | 78.3985% | 6,317 |
| Equity capital to assets | 18.2396% | 357 |
| Core capital (leverage) ratio | 18.4852% | 303 |
| Tier 1 risk-based capital ratio | 25.4131% | 838 |
| Total risk-based capital ratio | 26.6637% | 818 |
| Memoranda: | ||
| Average total assets | $429,710,500 | 1,546 |
| Average earning assets | $392,991,500 | 1,547 |
| Average equity | $77,857,500 | 861 |
| Average total loans | $280,588,000 | 1,559 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 2,522 |
| Cost of funding earning assets | 0.8327% | 6,431 |
| Net interest margin | 4.6024% | 1,007 |
| Noninterest income to average assets | 0.8246% | 2,166 |
| Noninterest expense to average assets | 2.0846% | 6,881 |
| Loan and lease loss provision to assets | 0.5622% | 2,879 |
| Net operating income to assets | 2.3691% | 140 |
| Return on assets (ROA) | 2.3691% | 146 |
| Pretax return on assets | 2.3691% | 227 |
| Return on Equity (ROE) | 13.7183% | 941 |
| Retained earnings to average equity (ytd only) | 7.6068% | 1,114 |
| Net charge-offs to loans | 0.4380% | 3,863 |
| Credit loss provision to net charge-offs | 194.4039% | 1,636 |
| Earnings coverage of net charge-offs (x) | 10.1363% | 1,751 |
| Efficiency ratio | 41.5599% | 7,474 |
| Assets per employee ($millions) | 5.4817% | 1,601 |
| Cash dividends to net income (ytd only)* | 44.5500% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 4,249 |
| Loan loss allowance to noncurrent loans | 132.3614% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 2.9258% | 2,398 |
| Noncurrent loans to loans | 1.0998% | 4,902 |
| Net loans and leases to total assets | 65.4022% | 3,578 |
| Net loans and leases to deposits | 83.1259% | 2,601 |
| Net loans and leases to core deposits | 85.0628% | 3,455 |
| Total domestic deposits to total assets | 78.6784% | 6,170 |
| Equity capital to assets | 17.9963% | 372 |
| Core capital (leverage) ratio | 18.0391% | 329 |
| Tier 1 risk-based capital ratio | 24.6537% | 877 |
| Total risk-based capital ratio | 25.8933% | 862 |
| Memoranda: | ||
| Average total assets | $426,363,200 | 1,565 |
| Average earning assets | $388,274,600 | 1,556 |
| Average equity | $73,631,800 | 906 |
| Average total loans | $281,505,200 | 1,588 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4929% | 2,452 |
| Cost of funding earning assets | 0.8955% | 6,407 |
| Net interest margin | 4.5974% | 1,050 |
| Noninterest income to average assets | 0.8155% | 2,152 |
| Noninterest expense to average assets | 2.0817% | 6,886 |
| Loan and lease loss provision to assets | 0.6087% | 2,499 |
| Net operating income to assets | 2.3070% | 189 |
| Return on assets (ROA) | 2.3070% | 200 |
| Pretax return on assets | 2.3070% | 332 |
| Return on Equity (ROE) | 13.5010% | 1,142 |
| Retained earnings to average equity (ytd only) | 5.2597% | 2,803 |
| Net charge-offs to loans | 0.5220% | 3,212 |
| Credit loss provision to net charge-offs | 176.8182% | 2,081 |
| Earnings coverage of net charge-offs (x) | 8.4700% | 2,159 |
| Efficiency ratio | 41.6557% | 7,539 |
| Assets per employee ($millions) | 5.4304% | 1,694 |
| Cash dividends to net income (ytd only)* | 61.0418% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 4,433 |
| Loan loss allowance to noncurrent loans | 130.1468% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 2.8438% | 2,549 |
| Noncurrent loans to loans | 1.0794% | 5,075 |
| Net loans and leases to total assets | 62.3653% | 4,458 |
| Net loans and leases to deposits | 80.5494% | 3,352 |
| Net loans and leases to core deposits | 82.3268% | 4,195 |
| Total domestic deposits to total assets | 77.4249% | 6,386 |
| Equity capital to assets | 17.3003% | 487 |
| Core capital (leverage) ratio | 17.3382% | 396 |
| Tier 1 risk-based capital ratio | 24.6982% | 876 |
| Total risk-based capital ratio | 25.9484% | 865 |
| Memoranda: | ||
| Average total assets | $426,060,000 | 1,586 |
| Average earning assets | $387,546,750 | 1,578 |
| Average equity | $72,802,750 | 915 |
| Average total loans | $280,937,750 | 1,613 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5688% | 2,256 |
| Cost of funding earning assets | 0.9633% | 6,321 |
| Net interest margin | 4.6055% | 983 |
| Noninterest income to average assets | 0.7834% | 2,216 |
| Noninterest expense to average assets | 2.0387% | 7,031 |
| Loan and lease loss provision to assets | 0.6328% | 2,263 |
| Net operating income to assets | 2.3092% | 191 |
| Return on assets (ROA) | 2.3092% | 206 |
| Pretax return on assets | 2.3092% | 332 |
| Return on Equity (ROE) | 13.5710% | 1,124 |
| Retained earnings to average equity (ytd only) | 4.4462% | 3,239 |
| Net charge-offs to loans | 0.1021% | 5,130 |
| Credit loss provision to net charge-offs | 927.5862% | 399 |
| Earnings coverage of net charge-offs (x) | 43.1241% | 684 |
| Efficiency ratio | 40.9314% | 7,627 |
| Assets per employee ($millions) | 5.3473% | 1,760 |
| Cash dividends to net income (ytd only)* | 67.2372% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 3,907 |
| Loan loss allowance to noncurrent loans | 62.7371% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 3.7587% | 1,860 |
| Noncurrent loans to loans | 2.3979% | 3,260 |
| Net loans and leases to total assets | 64.5835% | 4,136 |
| Net loans and leases to deposits | 83.7155% | 2,928 |
| Net loans and leases to core deposits | 85.6904% | 3,876 |
| Total domestic deposits to total assets | 77.1464% | 6,463 |
| Equity capital to assets | 17.2702% | 494 |
| Core capital (leverage) ratio | 17.3450% | 411 |
| Tier 1 risk-based capital ratio | 23.6924% | 975 |
| Total risk-based capital ratio | 25.0456% | 944 |
| Memoranda: | ||
| Average total assets | $425,079,000 | 1,604 |
| Average earning assets | $387,409,330 | 1,596 |
| Average equity | $72,330,670 | 915 |
| Average total loans | $284,130,000 | 1,607 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5863% | 2,209 |
| Cost of funding earning assets | 1.0550% | 6,118 |
| Net interest margin | 4.5314% | 1,077 |
| Noninterest income to average assets | 0.7523% | 2,287 |
| Noninterest expense to average assets | 1.9437% | 7,261 |
| Loan and lease loss provision to assets | 0.5572% | 2,273 |
| Net operating income to assets | 2.3855% | 176 |
| Return on assets (ROA) | 2.3855% | 195 |
| Pretax return on assets | 2.3855% | 295 |
| Return on Equity (ROE) | 14.1241% | 1,034 |
| Retained earnings to average equity (ytd only) | 7.4592% | 1,942 |
| Net charge-offs to loans | -0.0083% | 6,868 |
| Credit loss provision to net charge-offs | -9,900.0000% | 6,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7773% | 7,739 |
| Assets per employee ($millions) | 5.4731% | 1,693 |
| Cash dividends to net income (ytd only)* | 47.1884% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 5,103 |
| Loan loss allowance to noncurrent loans | 90.6020% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 3.1637% | 2,263 |
| Noncurrent loans to loans | 1.3993% | 4,634 |
| Net loans and leases to total assets | 65.0711% | 4,086 |
| Net loans and leases to deposits | 84.5976% | 2,837 |
| Net loans and leases to core deposits | 86.7594% | 3,795 |
| Total domestic deposits to total assets | 76.9183% | 6,575 |
| Equity capital to assets | 17.0274% | 531 |
| Core capital (leverage) ratio | 17.2034% | 439 |
| Tier 1 risk-based capital ratio | 22.7443% | 1,110 |
| Total risk-based capital ratio | 23.8604% | 1,108 |
| Memoranda: | ||
| Average total assets | $426,402,000 | 1,633 |
| Average earning assets | $389,020,500 | 1,635 |
| Average equity | $72,018,500 | 922 |
| Average total loans | $287,700,500 | 1,639 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8914% | 2,276 |
| Cost of funding earning assets | 1.3187% | 6,247 |
| Net interest margin | 4.5727% | 1,033 |
| Noninterest income to average assets | 0.9490% | 1,752 |
| Noninterest expense to average assets | 2.0600% | 7,265 |
| Loan and lease loss provision to assets | 1.3769% | 1,666 |
| Net operating income to assets | 1.7401% | 405 |
| Return on assets (ROA) | 1.7401% | 433 |
| Pretax return on assets | 1.7401% | 712 |
| Return on Equity (ROE) | 10.7452% | 1,490 |
| Retained earnings to average equity (ytd only) | 7.8825% | 733 |
| Net charge-offs to loans | 1.1279% | 2,175 |
| Credit loss provision to net charge-offs | 166.2469% | 2,618 |
| Earnings coverage of net charge-offs (x) | 3.7635% | 3,210 |
| Efficiency ratio | 39.7913% | 7,861 |
| Assets per employee ($millions) | 5.4603% | 1,684 |
| Cash dividends to net income (ytd only)* | 26.6418% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 6,326 |
| Loan loss allowance to noncurrent loans | 121.2505% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 2.7250% | 2,563 |
| Noncurrent loans to loans | 0.8322% | 5,627 |
| Net loans and leases to total assets | 68.3437% | 3,628 |
| Net loans and leases to deposits | 88.2862% | 2,513 |
| Net loans and leases to core deposits | 100.2469% | 3,967 |
| Total domestic deposits to total assets | 77.4115% | 6,366 |
| Equity capital to assets | 16.7519% | 584 |
| Core capital (leverage) ratio | 16.6878% | 528 |
| Tier 1 risk-based capital ratio | 21.0352% | 1,283 |
| Total risk-based capital ratio | 21.9100% | 1,318 |
| Memoranda: | ||
| Average total assets | $431,403,200 | 1,605 |
| Average earning assets | $398,889,000 | 1,596 |
| Average equity | $69,864,000 | 932 |
| Average total loans | $316,785,200 | 1,515 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9603% | 2,193 |
| Cost of funding earning assets | 1.3562% | 6,377 |
| Net interest margin | 4.6041% | 985 |
| Noninterest income to average assets | 0.9689% | 1,710 |
| Noninterest expense to average assets | 2.2139% | 6,937 |
| Loan and lease loss provision to assets | 0.6525% | 2,797 |
| Net operating income to assets | 2.3738% | 130 |
| Return on assets (ROA) | 2.3738% | 143 |
| Pretax return on assets | 2.3738% | 245 |
| Return on Equity (ROE) | 14.7828% | 802 |
| Retained earnings to average equity (ytd only) | 10.9456% | 479 |
| Net charge-offs to loans | 0.8757% | 2,218 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 4.6379% | 3,064 |
| Efficiency ratio | 42.2482% | 7,878 |
| Assets per employee ($millions) | 5.3686% | 1,734 |
| Cash dividends to net income (ytd only)* | 25.9572% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1921% | 7,983 |
| Loan loss allowance to noncurrent loans | 5.5949% | 7,505 |
| Noncurrent assets plus other real estate owned to assets | 3.1314% | 2,182 |
| Noncurrent loans to loans | 3.4340% | 2,179 |
| Net loans and leases to total assets | 72.5730% | 2,893 |
| Net loans and leases to deposits | 94.3069% | 1,833 |
| Net loans and leases to core deposits | 107.6110% | 3,517 |
| Total domestic deposits to total assets | 76.9541% | 6,347 |
| Equity capital to assets | 16.6583% | 682 |
| Core capital (leverage) ratio | 16.6455% | 594 |
| Tier 1 risk-based capital ratio | 20.9192% | 1,375 |
| Total risk-based capital ratio | 20.9192% | 1,580 |
| Memoranda: | ||
| Average total assets | $432,778,250 | 1,614 |
| Average earning assets | $401,489,500 | 1,597 |
| Average equity | $69,493,250 | 951 |
| Average total loans | $322,470,250 | 1,513 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0171% | 2,119 |
| Cost of funding earning assets | 1.3957% | 6,496 |
| Net interest margin | 4.6214% | 917 |
| Noninterest income to average assets | 1.0072% | 1,572 |
| Noninterest expense to average assets | 2.2016% | 7,050 |
| Loan and lease loss provision to assets | 0.0240% | 6,995 |
| Net operating income to assets | 3.0645% | 55 |
| Return on assets (ROA) | 3.0645% | 61 |
| Pretax return on assets | 3.0645% | 95 |
| Return on Equity (ROE) | 19.3230% | 382 |
| Retained earnings to average equity (ytd only) | 16.4164% | 151 |
| Net charge-offs to loans | 0.0319% | 6,012 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 128.8462% | 303 |
| Efficiency ratio | 41.6173% | 7,987 |
| Assets per employee ($millions) | 5.4338% | 1,640 |
| Cash dividends to net income (ytd only)* | 15.0421% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1885% | 8,073 |
| Loan loss allowance to noncurrent loans | 6.6094% | 7,534 |
| Noncurrent assets plus other real estate owned to assets | 2.5753% | 2,505 |
| Noncurrent loans to loans | 2.8518% | 2,528 |
| Net loans and leases to total assets | 73.0896% | 2,943 |
| Net loans and leases to deposits | 95.3974% | 1,890 |
| Net loans and leases to core deposits | 108.8495% | 3,510 |
| Total domestic deposits to total assets | 76.6159% | 6,415 |
| Equity capital to assets | 16.4453% | 761 |
| Core capital (leverage) ratio | 16.6293% | 660 |
| Tier 1 risk-based capital ratio | 20.4200% | 1,502 |
| Total risk-based capital ratio | 20.5914% | 1,667 |
| Memoranda: | ||
| Average total assets | $433,875,670 | 1,630 |
| Average earning assets | $402,087,330 | 1,610 |
| Average equity | $68,809,330 | 973 |
| Average total loans | $325,863,330 | 1,526 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2246% | 1,516 |
| Cost of funding earning assets | 1.4516% | 6,567 |
| Net interest margin | 4.7729% | 642 |
| Noninterest income to average assets | 0.9523% | 1,631 |
| Noninterest expense to average assets | 2.3052% | 6,523 |
| Loan and lease loss provision to assets | 0.0323% | 6,529 |
| Net operating income to assets | 3.0083% | 63 |
| Return on assets (ROA) | 3.0083% | 77 |
| Pretax return on assets | 3.0083% | 126 |
| Return on Equity (ROE) | 19.3271% | 475 |
| Retained earnings to average equity (ytd only) | 19.3271% | 184 |
| Net charge-offs to loans | 0.0425% | 4,885 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 94.1429% | 451 |
| Efficiency ratio | 43.1210% | 7,958 |
| Assets per employee ($millions) | 5.4653% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1872% | 8,121 |
| Loan loss allowance to noncurrent loans | 71.5137% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 5,332 |
| Noncurrent loans to loans | 0.2617% | 6,784 |
| Net loans and leases to total assets | 73.1884% | 2,965 |
| Net loans and leases to deposits | 95.1367% | 2,088 |
| Net loans and leases to core deposits | 108.4746% | 3,618 |
| Total domestic deposits to total assets | 76.9297% | 6,291 |
| Equity capital to assets | 15.8042% | 908 |
| Core capital (leverage) ratio | 16.1252% | 765 |
| Tier 1 risk-based capital ratio | 19.6061% | 1,696 |
| Total risk-based capital ratio | 19.7763% | 1,884 |
| Memoranda: | ||
| Average total assets | $433,462,500 | 1,643 |
| Average earning assets | $398,999,500 | 1,637 |
| Average equity | $67,470,000 | 997 |
| Average total loans | $329,634,000 | 1,522 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0139% | 1,104 |
| Cost of funding earning assets | 2.0582% | 6,204 |
| Net interest margin | 4.9558% | 559 |
| Noninterest income to average assets | 0.8364% | 2,313 |
| Noninterest expense to average assets | 2.1121% | 7,206 |
| Loan and lease loss provision to assets | 0.4451% | 3,064 |
| Net operating income to assets | 2.8429% | 78 |
| Return on assets (ROA) | 2.7501% | 86 |
| Pretax return on assets | 2.7501% | 129 |
| Return on Equity (ROE) | 18.0633% | 518 |
| Retained earnings to average equity (ytd only) | 1.2957% | 4,440 |
| Net charge-offs to loans | 0.5578% | 2,149 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 7.3869% | 3,126 |
| Efficiency ratio | 39.1121% | 8,146 |
| Assets per employee ($millions) | 5.3049% | 1,634 |
| Cash dividends to net income (ytd only)* | 92.8270% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1772% | 8,177 |
| Loan loss allowance to noncurrent loans | 41.7827% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 6,268 |
| Noncurrent loans to loans | 0.4240% | 6,073 |
| Net loans and leases to total assets | 78.6758% | 1,962 |
| Net loans and leases to deposits | 101.9336% | 1,598 |
| Net loans and leases to core deposits | 115.1798% | 3,220 |
| Total domestic deposits to total assets | 77.1834% | 5,944 |
| Equity capital to assets | 15.3223% | 1,082 |
| Core capital (leverage) ratio | 15.2644% | 967 |
| Tier 1 risk-based capital ratio | 17.9010% | 2,065 |
| Total risk-based capital ratio | 18.0641% | 2,316 |
| Memoranda: | ||
| Average total assets | $430,898,200 | 1,587 |
| Average earning assets | $396,809,400 | 1,569 |
| Average equity | $65,602,800 | 1,019 |
| Average total loans | $343,827,800 | 1,412 |